<SEC-DOCUMENT>0001193125-14-110001.txt : 20140321
<SEC-HEADER>0001193125-14-110001.hdr.sgml : 20140321
<ACCEPTANCE-DATETIME>20140321135714
ACCESSION NUMBER:		0001193125-14-110001
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		76
CONFORMED PERIOD OF REPORT:	20140321
FILED AS OF DATE:		20140321
DATE AS OF CHANGE:		20140321

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			A6
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		14709630

	BUSINESS ADDRESS:	
		STREET 1:		200 BLOOR ST EAST
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
		BUSINESS PHONE:		416-926-3000

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR ST EAST
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>d655888d6k.htm
<DESCRIPTION>6-K
<TEXT>
<HTML><HEAD>
<TITLE>6-K</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>Form 6-K
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>REPORT OF FOREIGN PRIVATE ISSUER </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>PURSUANT TO RULE 13a-16 OR 15d-16 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>OF THE SECURITIES EXCHANGE ACT OF 1934 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the month of March 2014 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Commission File Number: 1-14942 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>MANULIFE
FINANCIAL CORPORATION </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Translation of registrant&#146;s name into English) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>200 Bloor Street East, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>North Tower 10 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Toronto,
Ontario, Canada M4W 1E5 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(416) <FONT STYLE="white-space:nowrap">926-3000</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address of principal executive office) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether
the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Form 20-F&nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Form 40-F&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): &nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T
Rule 101(b)(7): &nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant by furnishing the information
contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;
&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If &#147;Yes&#148; is marked, indicate below the file number assigned to the registrant in
connection with Rule 12g3-2(b): 82- <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>. </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DOCUMENTS FILED AS PART OF THIS FORM 6-K </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference as part of this Form 6-K: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:23.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Exhibit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:71.40pt; font-size:8pt; font-family:Times New Roman">Description of Exhibit</P></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">2013 Annual Report</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Notice of Annual and Special Meeting of Shareholders</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Proxy Circular</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Shareholder Proxy Form</TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned, thereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3">MANULIFE FINANCIAL CORPORATION</TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><I>/s/ Stephen P. Sigurdson</I></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Stephen P. Sigurdson</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Executive Vice President, General Counsel Canada and Corporate Secretary</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: March 21, 2014 </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:23.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Exhibit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:71.40pt; font-size:8pt; font-family:Times New Roman">Description of Exhibit</P></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">2013 Annual Report</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Notice of Annual and Special Meeting of Shareholders</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Proxy Circular</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center">99.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Shareholder Proxy Form</TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d655888dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 <BR><BR> </B></P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr1.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">ManulifeTM On target. Delivering growth. Manulife Financial Corporation 2013 Annual Report Annual and Special Meeting May 1st, 2014
</FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr2.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">Our Vision To be the most professional financial services organization in the world, providing strong, reliable, trustworthy and
forward-thinking solutions for our clients&#146; most significant financial decisions. Our Values Professionalism Real Value to our Customers Integrity Demonstrated Financial Strength Employer of Choice Table of Contents 4 Chairman of the
Board&#146;s Message 6 Message from the CEO 12 Management&#146;s Discussion and Analysis 86 95 173 174 175 176 178 Consolidated Financial Statements Notes to Consolidated Financial Statements Board of Directors Company Officers Office Listing
Glossary of Terms Shareholder Information Growth Strategy Develop our Asian opportunity to the fullest. Grow our wealth and asset management businesses in Asia, Canada and the U.S. Continue to build our balanced Canadian franchise. Continue to grow
higher-ROE, lower risk U.S. businesses. Enterprise Priorities Become a global leader in retirement solutions and maintain a leadership position in our protection businesses. Significantly extend our customer reach by growing and diversifying our
distribution channels. Build a meaningful competitive advantage by leveraging our global scale, our global capabilities, and our local market focus to achieve operational excellence. Leverage technology to enable competitive differentiation in
attracting, servicing and retaining customers. Attain leading brand rankings across protection and wealth in key markets. Build and leverage our status as an employer of choice to attract and retain industry leading talent. Maintain capital above
our targets and manage risks within our appetite at all times. C$ millions, unless stated and per share data 2013 2012 % change5 Funds under management 1,5 (billion) $599 $531 8% Insurance sales 1,5,8 $2,757 $3,279 (13%) Wealth sales1,5 $49,681
$35,940 37% Core earnings1 $2,617 $2,249 16% Common shareholders&#146; net income $2,999 $1,698 77% Basic earnings per common share $1.63 $0.94 73% Diluted core earnings per common share $1.34 $1.15 17% Return on common shareholders&#146; equity
12.8% 7.8% &#151; Book value per common share1 $13.98 $12.15 15% </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr3.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">Manulife Financial An International, Diversified Business Manulife Financial is a leading Canada-based financial services group with
principal operations in Asia, Canada and the United States. Clients look to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Manulife Financial has a significant global
presence operating in the world&#146;s largest economies, with internationally recognized brands which have stood for financial strength and integrity for more than a century. With market-leading positions in Asia, Canada and the United States, we
leverage a diverse business platform that offers a range of financial products in both developed and developing markets around the world. Our international network of employees, agents and distribution partners offers financial protection and wealth
management products and services to millions of clients. We also provide asset management services to institutional customers. 2013 CORE EARNINGS1,2 ASIA = C$921 M (28%) CANADA = C$905M (27%) U.S. = C$1,510M (45%) TOTAL = C$3,336M (excludes
Corporate and Other (loss of C$719 Million)) 3rd largest North American Life Insurer3 11th largest Global Life Insurer3 Principal operations in 3 Key Geographies Founded in 1887 Manulife Financial Corporation 2013 Annual Report 1 </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr4.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">Asia Manulife Financial has operated in Asia since 1897, beginning in China and Hong Kong. Today, as a pan-Asian financial services
company, we have insurance and asset management operations in most of the 12 territories in which we operate, namely Hong Kong, the Philippines, Singapore, Indonesia, Taiwan, China, Japan, Vietnam, Malaysia, Thailand, Cambodia and Macau. We offer a
diverse portfolio of protection, savings and wealth management products and services to meet the needs of individuals and corporate clients. We distribute our products through a multi-channel platform across the region, including approximately
57,500 tied agents, bank partners, independent agents, and financial advisors. Products and Services Individual life insurance Group life and health Hospital coverage Mutual funds Annuities Group retirement Unit linked products Operating in 12 Asia
territories Started Asia Operations in 1897 8,800 Employees 57,500 Agents Sales Rank Data4 #2 Hong Kong MPF, by assets under management #3 China Insurance4 #3 Vietnam Insurance #5 Philippines Insurance #7 Singapore Insurance #8 Hong Kong Insurance
#8 Indonesia Insurance 28% $921M C$ millions, unless otherwise stated 2013 2012 %change5 Funds under management1,5 (billion) $76.6 $77.7 1% Insurance sales 1,5,8 $1,052 $1,370 (16%) Wealth sales1,5 $8,536 $5,690 57% Core earnings1 $921 $963 (4%)
Canada Serving one in five Canadians, we are a leading financial services organization offering a diverse range of protection, estate planning, investment and banking solutions through a diversified multi-channel distribution network. We provide
retail solutions to individuals and business owners, sold mainly through independent advisors. Group life, health, disability and retirement solutions are marketed to Canadian employers through consultants, brokers and independent advisors. We also
provide international employee benefits management to multinational corporations. Life, health and specialty products, such as travel insurance, are also offered through alternative distribution channels. Individual life insurance Living benefits
insurance Mutual funds Private wealth management Segregated Fund products9 Fixed annuities Guaranteed interest contracts High interest savings accounts Products and Services Mortgages &amp; investment loans Group life, health, disability &amp;
retirement Travel insurance Creditor insurance International employee benefits management Sales Rank Data4 #1 Group Benefits #2 Defined Contribution Group Pensions #2 Individual Segregated Funds #3 Individual Life and Living Benefits Founded in 1887
8,700 Employees 27% $905M C$ millions, unless otherwise stated 2013 2012 %change5 Funds under management1,5 (billion) $145.2 $133.2 9% Insurance sales1,5 $1,125 $1,310 (14%) Wealth sales1,5 $12,133 $10,057 21% Core earnings1 $905 $835 8% 1 Non-GAAP
measure. The Chairman of the Board&#146;s Message and the Message from the CEO also include non-GAAP measures, See &#147;Performance and Non-GAAP Measures&#148; on page 79. 2 For more information on core earnings, see page 79. 3 Market
Capitalization as of December 31, 2013. 4 Sales rank from most recently available data as at year-end. See &#147;Manulife Financial &#151; Financial Strength Fact Sheet&#148; and &#147;John Hancock Fact Sheet&#148; for further disclosures, both
available at manulife.com. China Insurance ranking based on market rank among Foreign Invested Insurance Companies, based on agency produced business, for Manulife-Sinochem Life Insurance Co. Ltd. 5 Percent change for funds under management and
insurance and wealth sales are presented on a constant currency basis. 6 Net sales market rank per Strategic Insight based on Intermediary-sold channel. 7 Source: Pensions and Investments&#146; &#147;Top Money Managers&#148; survey, based on
worldwide institutional data at December 31, 2013. 8 Restated to remove Taiwan insurance sales. 9 Segregated fund products include guarantees. These products are also referred to as variable annuities. 2 Manulife Financial Corporation 2013 Annual
Report </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr5.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">The United States Our U.S. Insurance division operates under the John Hancock brand. It provides a full range of life and long-term care
insurance products and services designed to help people protect their families, grow their savings, and preserve their wealth. John Hancock also offers a broad range of personal and family-oriented wealth management products and services focused on
individuals and business markets. We distribute our products through a multi-channel network, including brokerage general agents, producer groups, banks, national wirehouses, regional financial firms and financial planning firms, and broker dealers
as well as John Hancock&#146;s own Signator Investors, Inc., an independent broker- dealer that supports a national network of independent firms and advisors. Products and Services Individual life insurance Mutual funds 401(k) Retirement Savings
plans 529 College Savings plans Long-term care insurance Manulife started U.S. operations in 1903 John Hancock was founded in 1862, and merged with Manulife in 2004 6,000 Employees Sales Rank Data4 #1 Small Case (&lt;$10M) 401(k) plans #4 Lifecycle
funds #9 Individual Life Insurance #9 Mutual Funds6 45% $1,510M C$ millions, unless otherwise stated 2013 2012 % change 5 Funds under management1,5 (billion) $340.4 $292.7 9% Insurance sales1,5 $580 $599 (6%) Wealth sales1,5 $29,012 $20,193 39% Core
earnings1 $1,510 $1,085 39% Asset Management Manulife Asset Management is the global asset management arm of Manulife Financial, providing comprehensive asset management solutions for institutional investors and investment funds in key markets
around the world. As a Top 40 institutional asset manager globally7, our investment expertise extends across a broad range of public and private asset classes, as well as asset allocation solutions. We service institutional clients such as pension
plans, foundations, endowments, and financial institutions, and retail clients through Manulife and John Hancock wealth management affiliates. With more than 325 Investment Professionals with offices in 17 countries and territories, we are on the
ground in every market in which we operate, extracting value through our local knowledge backed by information sharing across our global network. Our high-performing portfolio management teams provide our clients with a full spectrum of products and
solutions organized into three major asset class groupings: Public Markets Global and Emerging Market Equity Global Fixed Income Domestic Equity and Domestic Fixed Income Private Markets Private Placement Debt Commercial Mortgages Timberland Real
Estate Equity Private Equity &amp; Mezzanine Farmland Oil &amp; Gas Asset Allocation Solutions Strategic &amp; Tactical Multi-Asset Funds Customized Solutions We manage a wide range of assets diversified by geography, product, and asset class. TOTAL
= C$280B CANADA = C$48B (17%) U.S. = C$172B (62%) ASIA = C$57B (20%) EUROPE AND OTHER = C$3B (1%) Manulife Financial Corporation 2013 Annual Report 3 </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr6.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">Chairman of the Board&#146;s Message To My Fellow Shareholders Richard B. DeWolfe Chairman of the Board As you read this annual report
you will see that your patient investment in Manulife Financial is being rewarded as our transformation continues. In response to the unprecedented low interest rates combined with equity market volatility and what seems like an endless parade of
regulatory and accounting changes, we recognize that simply being the best well run insurance company will not be enough to compete in the world of tomorrow. Strategic planning and corporate vision have become critical elements in response to
uncertainty. Technology and shifting demographics are not just a challenge but an opportunity. I believe that our management team understands finding the clear air and accelerating our core strengths will differentiate the company in an industry
where a &#147;me too&#148; model has often been enough to survive. Our 126-year history is enviable but if you will pardon the pun &#147;it will not insure our future.&#148; 4 Manulife Financial Corporation 2013 Annual Report </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr7.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">We continue to see a lot of value available to be unlocked by Manulife over the long term. Analyst Our President and CEO, Donald
Guloien, has continued his steady leadership demonstrating intellect, instinct, discipline and sound judgment. A strong supporter of the Boston Marathon, Donald attends the event every year and he distinguished himself and John Hancock following
last year&#146;s tragedy. Together with the Hancock management team and employee volunteers on scene, our core values &#151; strong, reliable, trustworthy and forward thinking &#151; were delivered in full measure and with our early commitment and
ongoing participation the One Fund has raised over $73 million for victims. In the boardroom, in the office and on the road, Donald has set the tone and together with his senior executive team they have delivered and implemented organizational
redesign, robust risk management significant expense reductions, compliance and education programs and a series of new products and services. Most importantly they are on track to accomplish our 2016 financial objectives and are producing the
consistent core earnings which demonstrate operating success. While we are certainly grateful to see the general improvement in financial markets we are not wooed by the rising tides. Your Board of Directors and Management both recognize we have
much work to do and have many challenges ahead if we are to realize the financial rewards of our investments in Asia, our stewardship of long-term care and our strong growth of asset management and wealth products and services. Our employees
continue to be a source of great strength to our organization even as our many changes may have imposed new stress and temporary burdens they continued to deliver on our plan. The Board of Directors has been active and truly engaged bringing a
higher level of involvement and individual participation. In addition to our eight scheduled meetings many have taken on special projects providing added insight and oversight in areas of risk management, banking and diversity. Seven Directors, the
CEO and I travelled to Japan in 2013, the second largest insurance market in the world, to conduct a full review of our operations and product offerings. Over five days we visited our facilities, interviewed our management team, met with Japanese
business leaders, the Canadian Ambassador and Japanese government regulators all to assure that we understood the challenges and opportunities which could result from the Abe Government economic reforms; which to date remain quite positive. The
entire Board of Directors will tavel to Asiain 2014 to conduct our Strategic Planning meeting and observe our operations first hand. The Board has been active in fostering a more robust and extensive Investor Relations program supporting a goal of
achieving greater global ownership of MFC shares and promoting direct shareholder engagement. Many shareholder views expressed over this past year will be evident in our proxy and annual report: the introduction of Total Shareholder Relurn (TSR) as
an additional performance metric; a revised CEO change of control provision; an enhanced compensation discussion and analysis; and more correlated data on our growing wealth business. These represent some changes prompted by our positive dialogue
with investors. The Board also voted a few significant governance changes. First was the elimination of a mandatory retirement age and the substitution of a twelve year term limit which will allow us to consider highly qualified candidates who might
otherwise be ruled out of consideration. The second was approval of the first increase in Director retainer fees in eight years. The firm of Pearl Meyer &amp; Partners was retained to conduct a full review of all Board compensation practices using
an appropriate peer group. To ensure that our fees are fair, competitive and attractive on a global basis, we are recommending they be denominated in U.S. dollars, the same as our senior executive management compensation. We are pleased that the
company was once again recognized by the Globe and Mail as a top company in corporate governance. Although we have a significantly smaller board standing for election this year, we continue to appreciate that 31 per cent of our independent directors
are women. As I complete my first full year as Chairman, I am grateful for the opportunity to serve our shareholders and policyholders while working to enhance the efforts of our management, employees and agents. I am thankful for the support and
acceptance I have received and am especially inspired by the hard work and commitment of my fellow Board members. It is with these same feelings that I thank our Director, Dr. Lorna Marsden, former President of York University, who retires this year
after 19 years (1995) of faithful service and lifewise to Mr. Robert Harding who has chaired our Corporate Governance and Nominating Committee and added his voice and wisdom to the many important decisions faced by the Board since 2008. While this
has been a year of extraordinary progress and remarkable results, we remain ever cautious and vigilant working toward greater success at Manulife, a company committed to providing more financial certainty in an uncertain world. Richard B. DeWolfe
Chairman of the Board Manulife Financial Corporation 2013 Annual Report 5 </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr8.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">Message from the CEO Donald A. Guloien President and Chief Executive Officer In 2013, we were able to deliver excellent advice,
innovative products, and performance for our customers around the world. During the year we continued to pursue our vision to be the most professional financial services organization in the world, by providing strong, reliable, trustworthy and
forward-thinking solutions for our customers&#146; most significant financial decisions. Customers entrusted us with $599 billion to manage on their behalf, supporting life insurance products, retirement plans, as well as other financial needs. For
our more than 20 million customers around the world we paid out claims, cash surrender values, annuity payments and other benefits worth $19 billion. Our call centres worldwide handled almost 12 million inquiries. Manulife and John Hancock customers
globally had peace of mind knowing they were protected by the solid financial strength of our Company. 6 Manulife Financial Corporation 2013 Annual Report </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr9.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">&#147;Manulife remains our top choice among the lifecos owing to what we perceive to be better growth opportunities including the
benefits from a large and growing platform in Asia and the fact the ongoing restructuring and repositioning of the business provides potential upside while at the same time limiting downside.&#148; Analyst Customers also enjoyed great fund returns:
Those who invested in John Hancock Funds Fundamental All Cap Core Fund, sold in the U.S., enjoyed a return of 35.9 per cent. Others who were in the Manulife Monthly High Income Fund, sold in Canada, received a return of 18.3 per cent, and those
invested in the Manulife Global Fund (&#147;MGF&#148;) Asia Small Cap Equity Fund, available in a variety of markets across Asia, saw a return of 18.7 per cent. As our customer needs change, our product suite changes with them, and in 2013 we
developed, launched or upgraded more than 50 new products to better meet their changing requirements. In addition, Manulife Asset Management launched 23 new retail and institutional products in Asia, 24 in Canada and 21 in the U.S. In every part of
our business we strived to deliver excellent service to our customers, and where we did not, we are actively working to improve upon it. A Positive Trajectory As a result of all of our activities, and the many fine efforts of our people in so many
varied disciplines across the Company, we made progress on reaching our financial goals. Our 2013 results reflect significant improvement in core earnings and net income, a strong capital base, lower risk and a greater return on equity. Particularly
impressive is our positive trajectory in net income: In 2011, we had a small gain; in 2012, earnings increased to $1.8 billion; and in 2013 a further improvement to $3.1 billion. While this trajectory is impressive, we must dissuade anyone from
extrapolating a growth rate for next year. That is because our net income benefited from unusual items in 2013. We had strong investment-related experience of $906 million. In addition, we realized a $350 million gain on the sale of our Taiwan
insurance business. These were partially offset by other items, including updates to actuarial models and market-related factors, which netted a $543 million charge. Turning to core earnings, our goal is to achieve $4 billion in core earnings by
2016, and we are making measurable progress towards achieving that goal. In addition, we have a core return on common shareholders&#146; equity &#147;Core ROE&#148;) objective for 2016 of 13 per cent. For the year ended 2013, our core earnings were
$2.6 billion and Core ROE was 10.6 per cent. We ended the year with a very strong capital ratio of 248 per cent, a 37-point increase over 2012. Manulife&#146;s share price has followed a similar trajectory as our earnings, and as a result our market
capitalization increased by $14 billion to $39 billion. Total shareholder return in 2013 was 60 per cent, compared to 30 per cent in 2012. The Company entered 2014 in a strong financial position with reduced equity market and interest rate
sensitivity and a healthier new business mix. The market continues to gain a better understanding of how well our businesses are diversified from product, risk and geographic perspectives. Our plan is delivering the desired results. The U.S.
operation has turned around nicely, and, along with our strong Asian and Canadian businesses, we have a well-balanced portfolio. Our insurance sales in Asia were below our expectations and for the entire company insurance sales were slightly lower
than what we would have liked, although the sales had better margins. Wealth sales were simply outstanding, driving record funds under management for the 21st consecutive quarter. Our Efficiency and Effectiveness Program (&#147;E&amp;E&#148;) has
quickly become a way of life for the Company and we have already identified over 300 projects, of which over 60 per cent are in execution. For example, our Workplace Transformation initiative will improve flexibility and mobility for employees in
terms of where work is performed as well as providing workspaces that support new ways to work, collaborate and communicate. Through our Global Procurement project, we have significantly upgraded our processes to leverage the Company&#146;s global
scale in vendor negotiation; and have already achieved cost savings as a result. We have also consolidated our Information Technology Infrastructure teams from various business units into a single global function to achieve efficiencies through
better data and information storage management. The annual pre-tax run rate savings from E&amp;E exceeded $200 million in 2013. The net bottom line impact in 2013 was immaterial; however, bottom line net savings of approximately $100 million pre-tax
are expected in 2014, increasing thereafter to estimated net pre-tax savings of $400 million by 2016. Growth Strategy and Performance Manulife&#146;s four growth strategies produced record performances across all of our divisions in 2013. 1.
Developing our Asian opportunity to the fullest During the year, we achieved record wealth sales of $8.5 billion, an increase of more than 50 per cent from 2012. There were new fund launches, and a successful execution of the Mandatory Provident
Fund&#146;s Employee Choice Arrangement in Hong kong, where we continue to hold the leading position in new cash flows. Manulife Financial Corporation 2013 Annual Report 7 </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr10.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">&#147;When I had to take two months of unpaid leave from work to complete a placement for school, we didn&#146;t have to worry about
bills or our mortgage because what money we made continued to work for us, all thanks to Manulife One!&#148; Customer We expanded our distribution platform across the region by securing and strengthening important distribution agreements with key
partners, including new bancassurance agreements in Malaysia and Vietnam. We also achieved strong growth in our professional agency force, ending the year with a record 57,500 agents, an increase of nearly 4,000 professionals. In 2014, we will
continue to build a premier pan-Asian insurance and wealth management franchise that is well positioned to meet the evolving protection, savings and retirement needs of our customers in the region. 2. Continuing to build our Canadian franchise We
made significant progress growing all of our diverse businesses in Canada. We achieved record mutual fund deposits of more than $6.5 billion, an increase of more than 60 per cent from 2012. Group Retirement solutions sales grew 25 per cent to $1.4
billion and Group Benefits continued to lead the market throughout 2013. We introduced RetirementPlus &#150; a flexible segregated fund product and the first retirement product of its kind. In 2013, we were the first company in Canada licensed by
the Office of the Superintendent of Financial Institutions to administer the new federal Pooled Registered Pension Plans, which are expected to be available for sale in certain provinces in 2014. Manulife Bank responded to significant regulatory
changes and ended the year with record net lending assets despite a slowdown in the residential mortgage market and aggressive competitive environment. Also, we expanded our distribution reach through increased penetration of the broker-dealer
channel, as well as through completion of two transactions to bolster our mortgage creditor life and travel insurance businesses during the year. The Canadian Division continues to work toward being recognized as the most trusted partner far
broad-based integrated financial solutions in Canada. 3. Continuing to grow higher ROE, lower risk U.S. businesses In 2013, we achieved record mutual fund deposits of more than $23 billion, an increase of 79 per cent over 2012, which contributed to
our record funds under management. On the insurance side of the business, we continue to generate strong sales of our re-priced, lower risk insurance products. In our Retirement Plan Services (&#147;RPS&#148;) business, the Company launched two new
products, expanding into the mid-market 401(k) business. While RPS sales declined because of competitive pressures and lower industry sales, we were pleased to see sales for the new mid-market 401(k) platform gain traction. With several commitments
now being funded, we are building momentum in this market. We also broadened our distribution reach through the acquisition of a broker-dealer to further fuel wealth management sales growth. Our objective for the U.S. is to drive sustainable
earnings and opportunistic growth. We will be leveraging our trusted John Hancock brand and capabilities to provide innovative solutions to customers in order to meet their wealth and protection needs. 4. Growing our wealth and asset management
businesses in Asia, Canada and the U.S. Our wealth and asset management businesses around the world continue to yield impressive results. In 2013, we achieved almost $16 billion in net mutual fund flows, more than tripling our 2012 results. This
outcome was due to a strong product suite and our robust distribution partnerships, as well as generally improved market conditions. Manulife Asset Management grew its assets under management by 18 per cent to $243 billion, and continues to generate
strong investment performance in all asset classes, exceeding their benchmarks for the one-, three- and five-year periods The Investment Division ended 2013 with a total of 70 funds rated Four Stars or Five Stars by Morningstar, an increase of nine
funds from 2012. Our Investment Division will continue work to become a Top 25 Global Asset Management franchise ranked by AUM, delivering trusted investment solutions that comprehensively address our global clients&#146; most important investment
and income needs. Beyond Financial Measures As you know, progress may be measured in different ways. Beyond quantitative result such as sales, earnings or capital ratios, excellence in how we manage our operations, design and deliver our products
and services, and contribute to our communities is equally important. For example, in 2013, Manulife was named one of Canada&#146;s Top Employers for the third year in a row. In Hong Kong, Manulife took Gold in the Reader&#146;s Digest Trusted Brand
Awards in the insurance company category for the 10th consecutive year. Four Manulife Asset Management funds were recognized in the Top 100 Performing Funds by Benchmark, and in China, Manulife-Sinochem received the &#147;2013 Professional Insurance
Service Award.&#148; In the U.S., financial representatives ranked John Hancock Retirement Plan Services #1 in five categories. Manulife and John Hancock continue to invest in the many communities in which we live and operate. Around the world,
people came together to support disaster relief efforts in the Philippines following the devastation of Typhoon Haiyan. Manulife was no exception and contributed funds to provide immediate disaster relief through the Red Cross and matched employee
donations globally. 8 Manulife Financial Corporation 2013 Annual Report </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr11.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">&#147;My bank had closed my account without informing me and this caused my life insurance policy with Manulife to be cancelled. I am a
single parent and she [my daughter] has no other family. I spoke with Eric, a customer service representative with Manulife, who said he would do everything he could to help. I received a letter dated November 19 saying my policy would be reinstated
as an exception. I can&#146;t tell you how much this means to me.&#148; Customer In Canada, we support several important, research-driven community projects. Our partnership with Bridgepoint Active Healthcare in Toronto is exploring best practice
volunteer programming in health care; the annual Bloomberg-Manulife Prize for the Promotion of Active Health recognizes top academics, including this year&#146;s winner, Dr. Walter Willett at the Harvard School of Public Health; and we support the
Canadian Institute for Advanced Research&#146;s work on volunteerism and civic engagement among new Canadians. Our focus on volunteerism plays a powerful role by inspiring our employees and advisors to invest their time in their community. We will
never forget the tragic events at the 2013 Boston Marathon, and the lives lost or changed by the attacks on April 15th. We are inspired by the strength and courage of all those affected, including many of our employees. We are proud to have played a
leadership role in the creation of The One Fund. Other examples of how Manulife and John Hancock contribute to economic, social and environmental health can be found in our Public Accountability Statement. Looking Ahead Despite our progress, we
remain unsatisfied with the pace of our growth and have established goals to ensure we can deliver aggressive yet achievable growth. At the same time, we are not prepared to sacrifice long-term performance in order to achieve these short-term
targets. While there are challenges and uncertainty ahead, we are very confident in our ability to deliver on both objectives. Our business is becoming far better balanced; our earnings more sustainable; our risks better contained and our capital
position and leverage steadily improving. We have built a solid foundation on which to grow; however, our environment continues to evolve rapidly. Collectively, these changes represent potential challenges, as well as significant potential growth
opportunities, for our businesses. Our strategy has evolved in order to reflect this changing landscape. Our priorities in the years ahead will focus on customer centricity, technology, products and distribution, E&amp;E, fostering a
high-performance culture, attracting and retaining talent, and investing in our brands. We believe the best way for Manulife and John Hancock to be among the most trusted and forward thinking brands in financial services is to behave that way. Let
me share with you some examples of how I believe we are doing just that. We have many instances of employees who have set a fine example. One of our most dedicated, valuable and oldest employees is a medical doctor named Dr. James Sun, who worked
for us in Shanghai and was being recognized for his achievements during a visit from our entire Board of Directors. Dr. Sun received his accolade, and then politely said &#147;Sorry, but I must leave. I have customers waiting on my underwriting
decisions, and we are quite backed up. I must go.&#148; He knew the Board was important, but we were not customers. Dr. Sun&#146;s dedication has inspired countless fellow employees. Customers will always be the ultimate judge of whether we are a
customer-centric organization. While we always appreciate positive feedback, we also recognize that customers are giving us valuable insight into how we can do things better. We also want our customers to know that we are acting in their interest at
heart. One day last year, we received an email from the CFO of a company that we do business with. It read: &#147;Just want to share an anecdote. My mother-in-law passed away two years ago. Recently [John] Hancock sent a letter to her son informing
him that they had a benefit due on a life policy she had taken out when she was 17. She died at 96. The family was unaware. So [John] Hancock somehow learned of her passing and found her son who lives in Florida. She lived in NJ. Amazing, may all
financial institutions be so good.&#148; These and other stories tell us that we are making progress toward our vision to be the most professional financial services organization in the world, providing strong, reliable trustworthy and
forward-thinking solutions for our clients&#146; most significant financial decisions. In short, we help people with their big financial decisions. Acknowledgements On a personal note, I am grateful for the tremendous support and counsel of
Manulife&#146;s Board of Directors and our Chairman, Dick DeWolfe. And I would like to thank retiring Directors Lorna Marsden and Bob Harding for their wise counsel and support as Directors over the years. Our success could not have occurred without
the dedicated efforts of 28,000 employees, 57,500 agents and our hundreds of thousands of other distribution partners around the world. Also I would like to thank our shareholders for their continued confidence in our organization and our ability to
deliver result. I believe the Company is well positioned to continue to deliver the disciplined and sustainable growth required to meet our long-term objectives [Graphic Appears Here] Donald A. Guloien President and Chief Executive Officer Manulife
Financial Corporation 2013 Annual Report 9 </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Caution regarding forward-looking statements</B> </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">This document contains forward-looking statements within the meaning of the &#147;safe harbour&#148; provisions of Canadian provincial securities laws and the U.S. Private Securities Litigation Reform Act of 1995.
The forward-looking statements in this document include, but are not limited to, statements with respect to our 2016 management objectives for core earnings and core ROE, our 2016 goal for pre-tax run rate savings related to our Efficiency and
Effectiveness Program, and the potential impact of a new Canadian Actuarial Standards Board Standard related to economic reinvestment assumptions used in the valuation of policy liabilities. The
<FONT STYLE="white-space:nowrap">forward-looking</FONT> statements in this document also relate to, among other things, our objectives, goals, strategies, intentions, plans, beliefs, expectations and estimates, and can generally be identified by the
use of words such as &#147;may&#148;, &#147;will&#148;, &#147;could&#148;, &#147;should&#148;, &#147;would&#148;, &#147;likely&#148;, &#147;suspect&#148;, &#147;outlook&#148;, &#147;expect&#148;, &#147;intend&#148;, &#147;estimate&#148;,
&#147;anticipate&#148;, &#147;believe&#148;, &#147;plan&#148;, &#147;forecast&#148;, &#147;objective&#148;, &#147;seek&#148;, &#147;aim&#148;, &#147;continue&#148;, &#147;goal&#148;, &#147;restore&#148;, &#147;embark&#148; and &#147;endeavour&#148;
(or the negative thereof) and words and expressions of similar import, and include statements concerning possible or assumed future results. Although we believe that the expectations reflected in such forward-looking statements are reasonable, such
statements involve risks and uncertainties, and undue reliance should not be placed on such statements and they should not be interpreted as confirming market or analysts&#146; expectations in any way. Certain material factors or assumptions are
applied in making forward-looking statements, including in the case of our 2016 management objectives for core earnings and core ROE, the assumptions described under &#147;Key Planning Assumptions and Uncertainties&#148; in this document and actual
results may differ materially from those expressed or implied in such statements. Important factors that could cause actual results to differ materially from expectations include but are not limited to: the factors identified in &#147;Key Planning
Assumptions and Uncertainties&#148; in this document; general business and economic conditions (including but not limited to the performance, volatility and correlation of equity markets, interest rates, credit and swap spreads, currency rates,
investment losses and defaults, market liquidity and creditworthiness of guarantors, reinsurers and counterparties); changes in laws and regulations; changes in accounting standards; our ability to execute strategic plans and changes to strategic
plans; downgrades in our financial strength or credit ratings; our ability to maintain our reputation; impairments of goodwill or intangible assets or the establishment of provisions against future tax assets; the accuracy of estimates relating to
morbidity, mortality and policyholder behaviour; the accuracy of other estimates used in applying accounting policies and actuarial methods; our ability to implement effective hedging strategies and unforeseen consequences arising from such
strategies; our ability to source appropriate assets to back our long dated liabilities; level of competition and consolidation; our ability to market and distribute products through current and future distribution channels; unforeseen liabilities
or asset impairments arising from acquisitions and dispositions of businesses; the realization of losses arising from the sale of investments classified as available-for-sale; our liquidity, including the availability of financing to satisfy
existing financial liabilities on expected maturity dates when required; obligations to pledge additional collateral; the availability of letters of credit to provide capital management flexibility; accuracy of information received from
counterparties and the ability of counterparties to meet their obligations; the availability, affordability and adequacy of reinsurance; legal and regulatory proceedings, including tax audits, tax litigation or similar proceedings; our ability to
adapt products and services to the changing market; our ability to attract and retain key executives, employees and agents; the appropriate use and interpretation of complex models or deficiencies in models used; political, legal, operational and
other risks associated with our <FONT STYLE="white-space:nowrap">non-North</FONT> American operations; acquisitions and our ability to complete acquisitions including the availability of equity and debt financing for this purpose; the disruption of
or changes to key elements of the Company&#146;s or public infrastructure systems; environmental concerns; and our ability to protect our intellectual property and exposure to claims of infringement. Additional information about material factors
that could cause actual results to differ materially from expectations and about material factors or assumptions applied in making forward-looking statements may be found in the body of this document as well as under &#147;Risk Management and Risk
Factors&#148; and &#147;Critical Accounting and Actuarial Policies&#148; in the Management&#146;s Discussion and Analysis and in the &#147;Risk Management&#148; note to the consolidated financial statements as well as under &#147;Risk Factors&#148;
in our most recent Annual Information Form and elsewhere in our filings with Canadian and U.S.&nbsp;securities regulators. We do not undertake to update any forward-looking statements, except as required by law. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Caution Regarding Forward-Looking Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>2013 Manulife Financial Corporation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="5"><B>Annual Report </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="toc"></A>TABLE OF CONTENTS </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="89%"></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Management&#146;s Discussion and Analysis</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">12</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_1a">Overview </A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">14</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_2">Financial Performance</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">20</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_3">Performance by Division</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">39</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_4">Risk Management and Risk Factors</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">64</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_5">Capital Management Framework</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">67</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_6">Critical Accounting and Actuarial Policies</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">77</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_7">U.S. GAAP Disclosures</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">79</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_8">Controls and Procedures</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">79</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_9">Performance and Non-GAAP Measures</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">83</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_10">Additional Disclosures</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>86</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_11">Consolidated Financial Statements</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>95</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_12">Notes to Consolidated Financial Statements</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>169</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_13">Embedded Value</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>171</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_14">Source of Earnings</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>173</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_15">Board of Directors</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>174</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_16">Company Officers</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>175</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_17">Office Listing</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>176</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_18">Glossary of Terms</A></B></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>178</B></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655598_19">Shareholder Information</A></B></FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Table&nbsp;of&nbsp;Contents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>11</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_1"></A>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">This Management&#146;s Discussion and Analysis (&#147;MD&amp;A&#148;) is current as of February&nbsp;26, 2014. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_1a"></A>Overview </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Manulife Financial
is a leading Canada-based financial services company with principal operations in Asia, Canada and the United States. Manulife Financial&#146;s vision is to be the most professional financial services organization in the world, providing strong,
reliable, trustworthy and forward-thinking solutions for our clients&#146; most significant financial decisions. Our international network of more than 84,000 employees and agents offers our clients a broad range of financial protection and wealth
management products and services. We offer personal and corporate products to millions of customers across our three operating divisions: Asia, Canada and the United States, each of which represents about one third of our overall business.
</I></B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Funds under
management<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT> by Manulife Financial and its subsidiaries were $599 billion as at December&nbsp;31, 2013. </I></B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In this document, the terms &#147;Company&#148;, &#147;Manulife Financial&#148;, &#147;Manulife&#148; and &#147;we&#148; mean Manulife Financial Corporation
(&#147;MFC&#148;) and its subsidiaries. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2013 we made significant progress towards our strategic priorities: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Developing our Asian opportunity to the fullest, </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Growing our wealth and asset management businesses in Asia, Canada, and the U.S., </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Continuing to build our balanced Canadian franchise, and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Continuing to grow higher return on equity (&#147;ROE&#148;), lower risk U.S. businesses. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2">Since 2010, we have enjoyed a positive progression in earnings and in 2013 our reported <B>net income attributed to shareholders</B> was $3,130
million, an increase of $1,320 million compared with $1,810 million in 2012. The increase was driven by a $368 million increase in core earnings</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> and $952 million of items excluded from core earnings, the two most significant items of which were a $592 million reduction in
charges related to changes in actuarial methods and assumptions and a $350 million gain on the sale of our Taiwan insurance business. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2012 we
introduced &#147;core earnings&#148; &#150; a non-GAAP financial measure which management believes better reflects our underlying earnings capacity. Core earnings excludes investment-related experience in excess of $200 million per annum (the $200
million per annum to be included in core earnings compares with an average of over $320 million per annum reported from 2007 to 2011). It also excludes the mark-to-market accounting impact of equity markets and interest rates as well as a number of
other items, outlined in the &#147;Performance and Non-GAAP Measures&#148; section below. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Core earnings</B> in 2013 was $2,617 million compared with
$2,249 million in 2012. The $368 million increase in core earnings was driven by higher fee income growth in our wealth management businesses, increased new business margins in our North American insurance businesses and lower amortization of
deferred acquisition costs on our closed blocks of variable annuity business, partially offset by higher expenses. The increase in expenses related to higher legal and variable compensation accruals. While we reported overall policy experience
losses in both years of about the same amount, there was significantly improved claims experience in the U.S. in 2013 offset by one-time gains reported in 2012 related to specific run-off accident and health reinsurance business settlements and the
release of excess Property and Casualty Reinsurance provisions related to 2011 events. We also reported net favourable tax items in both periods of about equal amounts. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Asia Division</B> continues to build a pan-Asian life insurance and wealth franchise that is well positioned to satisfy the protection and retirement needs of the fast growing customer base in the region. Our
core strategy focuses on expanding our professional agency force and alternative channel distribution, growing our wealth and asset management businesses and investing in our brand across Asia. In 2013, we achieved record sales</FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> for wealth products, further expanded our network of bank partnerships and achieved solid
growth in our professional agency force in several key markets. Our wealth sales in 2013 grew by 57&nbsp;per cent over
2012</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2">, as new products and expanded distribution contributed to broad-based
growth across most of our markets. Our 2013 insurance sales of US$1.0 billion were below our expectations and decreased 16&nbsp;per cent compared with 2012. Sales in 2012 were higher primarily due to a run up in cancer product sales in Japan, prior
to a tax change in April of last year and lower corporate product sales, a result of pricing actions in late 2012. We did see improved momentum in the fourth quarter of 2013 as both Hong Kong and Indonesia had record sales quarters and Japan sales
grew by 18 per cent over the third quarter of 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Canadian Division</B> continued to build our diversified Canadian franchise. In 2013, we achieved
record full year sales in Manulife Mutual Funds, strong Group Retirement Solutions sales and once again led the market in Group Benefits sales</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2">. Manulife Bank responded to significant regulatory changes and ended the year with record net lending assets despite a slowdown
in the residential mortgage market and an aggressive competitive environment. We continued to drive our desired shift in product mix in 2013, </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Growth (declines) in sales, premiums and deposits and funds under management are stated on a constant currency basis. Constant currency basis is a non-GAAP measure. See
&#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Based on quarterly sales survey by LIMRA, an insurance industry organization as at September&nbsp;30, 2013. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
reducing the proportion of insurance and segregated fund sales with long-duration guarantee features. We expanded our distribution reach by welcoming new advisors, extending existing
relationships and enhancing support to our distribution partners as well as through two strategic transactions in travel insurance and mortgage creditor life insurance. In 2013, we were the first company in Canada licensed by the Office of the
Superintendent of Financial Institutions (&#147;OSFI&#148;) to administer the new federal Pooled Registered Pension Plans (&#147;PRPPs&#148;) which are expected to be available for sale in certain provinces in 2014. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>U.S. Division</B> continued to make substantive progress towards our strategic priority of growing higher ROE and lower risk businesses. Our focus is on building
a leading company in the U.S. that helps Americans with their retirement, long-term care and estate planning needs. We are leveraging our trusted brand, diverse and broad distribution, and core business strength of product innovation to profitably
grow our de-risked insurance and wealth management franchises. During 2013, we have executed an acquisition of Symetra Investment Services, increasing our affiliated advisor headcount by 15&nbsp;per cent. We achieved record sales in our mutual fund
business in 2013, benefiting from the significant investments made in distribution and the investment product line-up. Through product re-design, re-pricing and business re-positioning, we have reduced the equity and interest rate risk and earnings
sensitivity of our product portfolio, while we continue to invest in the growth of fee-based products with lower capital requirements and higher return potential, including our 401(k), mutual fund and lower risk insurance products. We are seeing the
desired impact of these actions on our sales mix and improved new business strain with a continued shift away from guaranteed, long-duration products in&nbsp;2013. To improve operating efficiencies, we combined JH Life Insurance and JH Long-Term
Care Insurance into a single business unit. In addition, at the end of 2013, we announced plans to file for state approvals of a long-term care in-force rate increase during 2014. In December 2013, shareholders of the John Hancock Variable Insurance
Trust (&#147;JHVIT&#148;) Lifestyle Portfolios approved a change to the investment objectives of the JHVIT Lifestyle Portfolios to include a volatility management overlay. The managed volatility program is aimed at helping John Hancock contract
owners and policyholders diversify risk, manage volatility of returns, and limit the magnitude of portfolio losses during periods of elevated volatility. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment Division</B> continued to deliver strong investment-related gains in 2013 with the vast majority of those gains coming from excellent credit
experience, fixed income and alternative long-duration asset investing and asset allocation activities that enhanced surplus liquidity and resulted in higher yields in the liability segments. The favourable credit experience reflects the strength of
our underwriting combined with the benign economic environment. Attractive long corporate bond and alternative long-duration asset acquisitions enhanced our risk-adjusted returns. We continue to focus our acquisitions on high quality, good relative
value assets. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Manulife Asset Management</B> (&#147;MAM&#148;) experienced significant growth in 2013 across its global franchise, with external
assets under management increasing by 18&nbsp;per cent to $242.8 billion. We made several strategic additions to our portfolio management teams in the fourth quarter including the purchase of MAAKL Holdings Berhad in Malaysia. Outstanding investment
performance continues to differentiate MAM with all public asset classes outperforming their benchmarks on a 1, 3, and <FONT STYLE="white-space:nowrap">5-year</FONT> basis. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>The Minimum Continuing Capital and Surplus Requirements (&#147;MCCSR&#148;) ratio</B> for The Manufacturers Life Insurance Company&nbsp;(&#147;MLI&#148;) closed 2013 at 248&nbsp;per cent, up 37&nbsp;points from
the 211&nbsp;per cent reported at the end of 2012. This increase reflects the contribution from earnings, a reduction in capital requirements for variable annuity and segregated fund guarantees due to the strong equity markets, the sale of our
Taiwan insurance business and net capital issuance as well as the 2013 MCCSR Guideline change that reduced capital required for lapse risk. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>13</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_2"></A>Financial Performance </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at and for the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unless otherwise stated)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1) </SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred share dividends</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(131</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(112</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(85</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Common shareholders&#146; net income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,999</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,698</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">44</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reconciliation of core earnings to net income attributed to shareholders:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience in excess of amounts included in core earnings</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>706</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">949</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,290</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings plus investment-related experience in excess of amounts included in core earnings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,323</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,459</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other items to reconcile core earnings to net income attributed to shareholders:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and interest rates and variable annuity guarantee liabilities that are dynamically hedged</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(336</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(582</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in actuarial methods and assumptions<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(489</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(751</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposition of Taiwan insurance business<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other items</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>282</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">325</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(362</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Basic earnings per common share (C$)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.63</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Diluted earnings per common share (C$)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.62</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Diluted core earnings per common share (C$)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Return on common shareholders&#146; equity (&#147;ROE&#148;) (%)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12.8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Core ROE (%)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"> (2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9.1%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. GAAP net (loss) income attributed to
shareholders<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(648</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Sales<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4) </SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,757</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,279</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;49,681</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;35,940</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;34,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premiums and deposits<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>24,549</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>63,701</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">51,280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Funds under management (C$ billions)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>599</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital (C$ billions)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2) </SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>33.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">MLI&#146;s MCCSR ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>248%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">211%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">216%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Sensitivities to equity markets and interest rates:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">% of underlying earnings sensitivity to equity market movements offset by hedges<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64&nbsp;to&nbsp;82%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">72&nbsp;to&nbsp;83%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">59&nbsp;to&nbsp;70%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Earnings impact of a 1% parallel decline in interest rates<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new International Financial Reporting Standards (&#147;IFRS&#148;) accounting
standards effective January&nbsp;1, 2013. For a detailed description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. For a discussion of our use of non-GAAP measures, see &#147;Performance and Non-GAAP Measures&#148; below.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This $50 million charge in 2012 represents closing adjustments to the 2011 disposition of our Life Retrocession business. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance sales have been adjusted to exclude Taiwan for all periods. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The lower end of the range assumes that the change in value of the hedge assets does not completely offset the change in the dynamically hedged variable annuity
guarantee liabilities, including the provisions for adverse deviation. The estimated amount that would not be completely offset assumes that provision for adverse deviation is not offset and that the hedge assets are based on the actual position at
the period end. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impact above excludes the impact of market value changes in available-for-sale (&#147;AFS&#148;) bonds. The AFS bonds provide a natural economic offset to
the interest rate risk arising from our product liabilities, and if included would have reduced the impact by $600 million, $800 million and $800 million, respectively, for the years ended December&nbsp;31, 2013, 2012 and 2011.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Analysis of Net Income </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In
2013, Manulife reported net income attributed to shareholders of $3,130 million (2012 &#150; $1,810 million) and core earnings of $2,617 million (2012 &#150; $2,249 million). Net income attributed to shareholders increased $1,320 million compared
with 2012, of which $368 million was driven by higher core earnings and $952 million related to items excluded from core earnings. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The $368 million
increase in core earnings was driven by growth in fee income due to growth in our wealth businesses, increased new business margins in our North American insurance businesses and lower amortization of deferred acquisition costs on our closed blocks
of variable annuity business, partially offset by higher expenses. The increase in expenses related to higher legal and variable compensation accruals. While we reported overall policy experience losses in both years of about the same amount, there
was significantly improved claims experience in the U.S. in 2013 offset by one-time gains reported in 2012 related to specific run-off accident and health reinsurance business settlements and the release of excess Property and Casualty Reinsurance
provisions related to 2011 events. We also reported net favourable tax items in both periods of about equal amounts. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The net amount of items excluded
from core earnings in 2013 was a gain of $513 million compared to a charge of $439 million in 2012. This $952 million change was driven by a $592 million reduction in charges related to changes in actuarial methods and assumptions (2013 &#150; $489
million charge, 2012 &#150; $1,081 million charge) and a $350 million gain on the sale of our Taiwan insurance business. While investment-related experience was strong in both years, the $706 million gain reported in 2013 (in excess of the $200
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
million of investment gains included in core earnings) was $243 million lower than in 2012. This decrease was offset by $246 million of lower charges related to the direct impact of equity
markets and interest rates and variable annuity guarantee liabilities that are dynamically hedged. Other items excluded from core earnings netted to a gain of $282 million in 2013 and $275 million in 2012. The 2013 amount primarily related to
policyholder approved changes to the investment objectives of separate accounts that support our Variable Annuity products in the U.S. and a reinsurance recapture transaction in Asia. The 2012 amount primarily related to in-force product changes,
the recapture of a reinsurance treaty and tax items, partially offset by a $200 million goodwill impairment charge. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As noted above, investment-related
experience totaled $906 million in 2013 and was $243 million lower than in 2012. The investment-related experience gains are a combination of reported investment experience as well as the impact of investing activities on the measurement of our
policy liabilities. The investment-related experience in 2013 included: $516 million primarily related to the impact of investing activities (both fixed income and alternative long-duration assets) on the measurement of our policy liabilities; $228
million related to planned asset allocation activities that enhanced surplus liquidity and resulted in higher yielding assets in the respective liability segments; and $162 million due to favourable credit experience relative to our long-term
assumptions. The investment-related experience in 2012 included: $1,117 million primarily related to the impact of investing activities (both fixed income and alternative long-duration assets) on the measurement of our policy liabilities; and $32
million due to favourable credit experience relative to our long-term assumptions (see &#147;Financial Performance - Impact of Fair Value Accounting&#148; below). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The table below reconciles 2013 core earnings of $2,617 million to the reported net income attributed to shareholders of $3,130 million. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unaudited)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2</SUP></B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia Division<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>921</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Division<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>905</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Division<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,085</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,005</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate and Other (excluding expected cost of macro hedges and core investment gains)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(345</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(415)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Expected cost of macro hedges<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(413</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(408)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience in core earnings<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total core earnings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience in excess of amounts included in core earnings<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>706</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">949</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,290</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings plus investment-related experience in excess of amounts included in core earnings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,323</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;3,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;3,459</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in actuarial methods and assumptions<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(489</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(751)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and interest rates and variable annuity guarantee liabilities that are dynamically hedged<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP> (see table below)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(336</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(582</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,217)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposition of Taiwan insurance business in
2013<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">303</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of in-force product changes and recapture of reinsurance
treaties<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(9)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Material and exceptional tax related items<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(10)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment charge</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(665)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Restructuring charge related to organizational design<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(11)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The decrease in expected macro hedging cost in 2013 compared with 2012 was partially offset by an increase in dynamic hedging costs included in Asia, Canada and
U.S. divisional core earnings. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2013 net loss from macro equity hedges was $1,851 million and consisted of a $413 million charge related to the estimated expected cost of the macro equity
hedges relative to our long-term valuation assumptions and a charge of $1,438 million because actual markets outperformed our valuation assumptions. The latter amount is included in the direct impact of equity markets and interest rates (see table
below). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">As outlined under &#147;Critical Accounting and Actuarial Policies&#148; below, net insurance contract liabilities under IFRS for Canadian insurers are
determined using the Canadian Asset Liability Method (&#147;CALM&#148;). Under CALM, the measurement of policy liabilities includes estimates regarding future expected investment income on assets supporting the policies. Experience gains and losses
are reported when current period activity differs from what was assumed in the policy liabilities at the beginning of the period. These gains and losses can relate to both the investment returns earned in the period, as well as to the change in our
policy liabilities driven by the impact of current period investing activities on future expected investment income assumptions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Of the $489 million charge for change in actuarial methods and assumptions in 2013, $252 million was reported in the third quarter as part of the comprehensive
annual review of valuation assumptions. See &#147;Review of Actuarial Methods and Assumptions&#148; section below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The direct impact of equity markets and interest rates is relative to our policy liability valuation assumptions and includes changes to interest rate
assumptions, as well as experience gains and losses on derivatives associated with our macro equity hedges. We also include gains and losses on the sale of AFS debt securities as management may have the ability to partially offset the direct impacts
of changes in interest rates reported in the liability segments. See table below for components of this item. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2011 gain of $303 million relates to the sale of our Life Retrocession business and the $50 million charge in 2012 represents closing adjustments to that
disposition. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(9)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2013 gain of $261 million includes the impact on the measurement of policy liabilities of policyholder-approved changes to the investment objectives of
separate accounts that support our Variable Annuity products in the U.S. and a reinsurance recapture transaction in Asia. The $260 million gain in 2012 largely relates to a recapture of a reinsurance treaty and in-force segregated funds product
changes in Canada. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(10)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2013 tax item primarily reflects the impact on our deferred tax asset position of Canadian provincial tax rate changes. Included in the 2012 tax items are
$264 million of material and exceptional U.S. tax items and $58 million for changes to tax rates in Japan. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(11)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The restructuring charge is related to severance, pension and consulting costs for the Company&#146;s Organizational Design Project, which was completed in the
second quarter of 2013. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>15</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The net loss related to the direct impact of equity markets and interest rates and variable annuity guarantee
liabilities that are dynamically hedged in the table above is attributable to: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unaudited)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantee liabilities that are dynamically
hedged<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>392</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantee liabilities that are not dynamically hedged</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,293</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund equity investments supporting policy liabilities and on fee income<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>211</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(214</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Macro equity hedges relative to expected costs<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(511</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and variable annuity guarantees that are dynamically hedged<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;458</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed income reinvestment rates assumed in the valuation of policy liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(276</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Sale of AFS bonds and derivative positions in the Corporate and Other segment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(262</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Charges due to lower fixed income URR assumptions used in the valuation of policy liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(256</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(677</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(437</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Direct impact of equity markets and interest rates and variable annuity guarantees that are
dynamically hedged</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(336</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(582</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,217</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Direct impact of equity markets and interest rates</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(728</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(758</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,064</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Our variable annuity guarantee dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks associated with
the guarantees embedded in these products. The gain in 2013 was primarily due to our equity fund results outperforming indices and a gain on the release of provision for adverse deviation associated with more favourable equity markets. See:
&#147;Risk Management and Risk Factors&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impact on general fund equity investments supporting policy liabilities and on fee income includes the capitalized impact on fees for variable universal life
policies. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">As described in the previous table, we incurred a charge of $1,438 million in 2013 because actual markets outperformed our valuation assumptions.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">In 2013, gross equity exposure gains of $4,357 million were partially offset by gross equity hedging charges of $1,438 million from macro hedge experience and
charges of $2,461 million from dynamic hedging experience which resulted in a gain of $458 million. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The charge in 2013 for fixed income reinvestment assumptions was driven by the increase in swap spreads and the decrease in corporate spreads, partially offset
by the increase in risk free rates. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Beginning with the first quarter of 2013 for North America and the third quarter of 2013 for Japan, the URR impact was calculated on a quarterly basis, whereas
in 2012, it was calculated on an annual basis in the second quarter. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Earnings per Common Share and Return on Common
Shareholders&#146; Equity </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income per common share for 2013 was $1.63, compared to $0.94 in 2012. Return on common shareholders&#146; equity for
2013 was 12.8&nbsp;per cent, compared to 7.8&nbsp;per cent for 2012. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Insurance sales</B> of $2.8 billion in 2013 declined by 13&nbsp;per cent compared with 2012. In Asia, insurance sales declined 16 per cent due to lower sales in Japan as a result of tax and product changes,
partially offset by growth in most territories. In Canada, insurance sales declined 14&nbsp;per cent driven by normal variability in our Group Benefits business. John Hancock Life sales declined six per cent reflecting our actions to reposition our
new business mix to products with increased margins and more favourable risk profiles. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Record <B>wealth sales</B> of $49.7 billion in 2013, increased
37&nbsp;per cent compared to 2012. Record wealth sales in Asia increased 57&nbsp;per cent driven by new fund launches and strong pension sales following the launch of Hong Kong&#146;s Mandatory Provident Fund&#146;s (&#147;MPF&#148;) new Employee
Choice Arrangement. In Canada, wealth sales rose 21&nbsp;per cent due to continued strong mutual fund sales and higher pension sales. U.S. Division wealth sales rose 39&nbsp;per cent driven by strong mutual fund sales, partly offset by a decline in
pension and annuity sales. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Total Company premiums and
deposits</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> for insurance products increased to $24.5 billion in 2013, an
increase</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> of two per cent over 2012 which included a two per cent increase in
Asia and Canada and a three per cent increase in the U.S. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Total Company premiums and deposits for wealth products increased to $63.7 billion in 2013, an
increase of 24&nbsp;per cent over 2012. The increase was 54&nbsp;per cent in Asia, 36&nbsp;per cent in Canada and 31&nbsp;per cent in the U.S. The strong total Company result was partly offset by lower Manulife Asset Management institutional
deposits, a business line where variability is expected. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2">Funds under
management</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> as at December&nbsp;31, 2013 were a record $599 billion, an
increase of $68 billion, or eight per cent, compared with December&nbsp;31, 2012. The increase was largely attributable to growth in our asset management business and favourable equity markets, partially offset by the mark-to-market impact of the
increase in interest rates on fixed income investments. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Sales, premiums and deposits and funds under management growth (decline) in rates are quoted on a constant currency basis. Constant currency basis is a non-GAAP measure. See
&#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under management</B> </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>232,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">227,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">226,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">195,933</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual funds, institutional advisory accounts and other<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2),(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>126,353</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">94,029</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">77,199</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total funds under management</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;598,933</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;531,158</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;499,652</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January 1, 2013. For a detailed description of
the change see note 2 of the Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated fund assets, mutual fund assets and other funds are not available to satisfy the liabilities of the Company&#146;s general fund.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other funds represent pension funds, pooled funds, endowment funds and other institutional funds managed by the Company on behalf of others.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Capital </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Total capital</FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> was $33.5 billion as at December&nbsp;31, 2013 compared to $29.2 billion as at
December&nbsp;31, 2012, an increase of $4.3 billion. The increase included net earnings of $3.1 billion, the $1 billion impact from favourable currency movements on translation of foreign operations and net capital issued of $0.7 billion, partially
offset by cash dividends of $0.8 billion over the period. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Impact of Fair Value Accounting </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Fair value accounting policies affect the measurement of both our assets and our liabilities. The difference between the reported amounts of our assets and
liabilities determined as of the balance sheet date in accordance with the applicable mark-to-market accounting principles is reported as investment-related experience, the direct impact of equity markets and interest rates and variable annuity
guarantees that are dynamically hedged, each of which impacts net income (see &#147;Analysis of Net Income&#148; above). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We reported $17.6 billion of
net realized and unrealized losses reported in investment income in 2013. These amounts were driven by the mark-to-market impact of the increase in interest rates on our bond and fixed income derivative holdings and the increase in equity markets on
our equity futures in our macro and dynamic hedging program, as well as other items. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As outlined under &#147;Critical Accounting and Actuarial
Policies&#148; below, net insurance contract liabilities under IFRS are determined using the Canadian Asset Liability Method (&#147;CALM&#148;), as required by the Canadian Institute of Actuaries. The measurement of policy liabilities includes the
estimated value of future policyholder benefits and settlement obligations to be paid over the term remaining on in-force policies, including the costs of servicing the policies, reduced by the future expected policy revenues and future expected
investment income on assets supporting the policies. Investment returns are projected using the current asset portfolios and projected reinvestment strategies. Experience gains and losses are reported when current period activity differs from what
was assumed in the policy liabilities at the beginning of the period. We classify gains and losses by assumption type. For example, current period investing activities that increase (decrease) the future expected investment income on assets
supporting the policies will result in an investment-related experience gain (loss). </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Public Equity Risk and Interest Rate Risk Reduction Plans
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">At December&nbsp;31, 2013 between 64 per cent and 82&nbsp;per cent of our underlying earnings sensitivity to a 10 per cent decline in equity markets
was offset by hedges and the impact of a 100 basis point decline in interest rates on our earnings was $400 million. See &#147;Risk Management and Risk Factors&#148; below. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Fourth Quarter Financial Highlights </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the quarters ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions, except per share amounts)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<BR></SUP>2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income (loss) attributed to shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Core earnings<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2) </SUP>(see table below for
reconciliation)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>685</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">554</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Diluted earnings (loss) per common share (C$)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(0.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Diluted core earnings per common share (C$)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Return on common shareholders&#146; equity (annualized)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20.2%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1.6)%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Sales<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">922</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,241</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premiums and
deposits<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance
products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,169</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,629</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,749</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;15,367</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;17,499</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;10,168</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance sales have been adjusted to exclude Taiwan for all periods. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Net Income Attributed to Shareholders </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife reported fourth quarter 2013 net income attributed to
shareholders of $1,297 million and core earnings of $685 million. Net income attributed to shareholders increased $220 million compared with the fourth quarter of 2012, of which $131 million was driven by higher core earnings and $89 million related
to other items. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>17</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The $131 million increase in core earnings was driven by increased new business margins in North America, higher fee
income due to growth in our asset management businesses, lower hedging costs and net modestly favourable currency impacts, partially offset by higher legal and variable compensation accruals. Core earnings in the fourth quarter of both 2013 and 2012
included favourable policy related experience and favourable tax related items. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Items excluded from core earnings in the fourth quarter of 2013 netted
to a gain of $612 million and included $215 million of favourable investment-related experience (in excess of the $50 million included in core earnings), a $350 million gain on the sale of our Taiwan insurance business, and $261 million related to
policyholder approved changes to the investment objectives of separate accounts that support our Variable Annuity products in the U.S., as well as a reinsurance recapture transaction in Asia. These items were partially offset by an $81 million net
charge related to the direct impact of equity markets and interest rates and variable annuity guarantee liabilities that are dynamically hedged, and $133 million related to changes in actuarial methods and assumptions of which $69 million resulted
from our review of our modeling of future tax cash flows for our U.S. Variable Annuity business and the remainder from other modeling refinements. Items excluded from core earnings in the fourth quarter of 2012 netted to a gain of $523 million.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Analysis of Net Income </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The table below
reconciles the fourth quarter 2013 core earnings of $685 million to the reported net income attributed to shareholders of $1,297 million. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unaudited)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4Q&nbsp;2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<BR></SUP>4Q&nbsp;2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)<B></B></SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia Division<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>227</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Division<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>233</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Division<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>366</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate and Other (excluding expected cost of macro hedges and core investment gains)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(138</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Expected cost of macro hedges<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience in core earnings<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>50</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">50</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>685</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">554</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience in excess of amounts included in core earnings<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>215</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">321</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings plus investment-related experience in excess of amounts included in core earnings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>900</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other items to reconcile core earnings to net income attributed to shareholders:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">(Charges) gains on direct impact of equity markets and interest rates and variable annuity guarantee liabilities that are dynamically
hedged (see table below)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5),(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(81</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in actuarial methods and assumptions<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(133</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposition of Taiwan insurance business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of in-force product changes and recapture of a reinsurance
treaty<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Restructuring charge related to organizational design</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Material and exceptional tax related items</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to the 2013 Consolidated Financial Statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fourth quarter 2013 decrease in the expected cost of macro hedges compared with the fourth quarter 2012 was partially offset by increases in dynamic hedging
costs included in core earnings across all divisions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fourth quarter 2013 net loss from macro equity hedges was $285 million and consisted of a $53 million charge related to the estimated expected cost of the
macro equity hedges relative to our long-term valuation assumptions and a charge of $232 million because actual markets outperformed our valuation assumptions. This latter amount is included in the direct impact of equity markets and interest rates.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">As outlined under &#147;Critical Accounting and Actuarial Policies&#148; below, net insurance contract liabilities under IFRS for Canadian insurers are
determined using CALM. Under CALM, the measurement of policy liabilities includes estimates regarding future expected investment income on assets supporting the policies. Experience gains and losses are reported when current period activity differs
from what was assumed in the policy liabilities at the beginning of the period. These gains and losses can relate to both the investment returns earned in the period, as well as to the change in our policy liabilities driven by the impact of current
period investing activities on future expected investment income assumptions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The direct impact of equity markets and interest rates is relative to our policy liability valuation assumptions and includes changes to interest rate
assumptions, including a quarterly URR update for North America, starting in the first quarter of 2013, and for Japan, starting in the third quarter of 2013, as well as experience gains and losses on derivatives associated with our macro equity
hedges. We also include gains and losses on the sale of available-for-sale (&#147;AFS&#148;) bonds and derivative positions in the surplus segment. See table below for components of this item. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fourth quarter 2013 charge of $133 million was primarily attributable to the impact of method and modeling refinements of which $69 million resulted from our
review of our modeling of future tax cash flows for our U.S. Variable Annuity business and the remainder from other modeling refinements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fourth quarter 2013 gain of $261 million included $193 million related to policyholder approved changes to the investment objectives of separate accounts
that support our Variable Annuity products in the U.S. and $68 million related to a recapture of a reinsurance treaty in Asia. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The gain (charge) related to the direct impact of equity markets and interest rates and variable annuity guarantee
liabilities that are dynamically hedged in the table above is attributable to: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unaudited)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4Q&nbsp;2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">4Q&nbsp;2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantee liabilities that are dynamically
hedged<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantee liabilities that are not dynamically hedged</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>155</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund equity investments supporting policy liabilities and on fee income<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP> </FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>81</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Macro equity hedges relative to expected costs<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(232</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(292</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and variable annuity guarantees that are dynamically hedged<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>105</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed income reinvestment rates assumed in the valuation of policy liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(105</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(290</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Sale of AFS bonds and derivative positions in the Corporate and Other segment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Charges due to lower fixed income URR assumptions used in the valuation of policy liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Direct impact of equity markets and interest rates and variable annuity guarantees that are
dynamically hedged</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(81</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">82</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Direct impact of equity markets and interest rates</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(182</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Our variable annuity guarantee dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks associated with
the guarantees embedded in these products. The gain in the fourth quarter of 2013 was primarily due to our equity fund results outperforming indices, and a gain on the release of provision for adverse deviation associated with more favourable equity
markets. See &#147;Risk Management and Risk Factors&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impact on general fund equity investments supporting policy liabilities and on fee income includes the capitalized impact on fees for variable universal life
policies. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">As described in the previous table, we incurred a charge of $232 million because actual markets outperformed our valuation assumptions.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">In the fourth quarter of 2013, gross equity exposure gains of $1,017 million were partially offset by gross equity hedging charges of $232 million from macro
hedge experience and charges of $680 million from dynamic hedging experience which resulted in a gain of $105 million. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The charge in the fourth quarter of 2013 for fixed income reinvestment assumptions was driven by a decrease in corporate spreads in North America.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Beginning with the first quarter of 2013 for North America and the third quarter of 2013 for Japan, the URR impact was calculated on a quarterly basis, whereas
in 2012, it was calculated on an annual basis in the second quarter. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance sales</B> of $617
million in the fourth quarter of 2013 decreased 32&nbsp;per cent</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> compared
with the fourth quarter of 2012. While we reported record quarterly sales in Hong Kong and Indonesia, overall sales were lower due to the high level of sales in Japan in fourth quarter 2012 in advance of product changes and normal variability of
sales in Canadian Group Benefits. As a result, sales in Asia and Canada declined five per cent and 59&nbsp;per cent, respectively. In the U.S., insurance sales decreased 21&nbsp;per cent reflecting our actions to increase margins. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Wealth sales</B> exceeded $12 billion in the fourth quarter of 2013, an increase of 15&nbsp;per cent compared with the fourth quarter of 2012. In Asia, fourth
quarter wealth sales exceeded US$1.5 billion, a decline of 18&nbsp;per cent from a fourth quarter of 2012 that benefited from a successful fund launch in Japan and the start of Hong Kong MPF&#146;s Employee Choice Arrangement. Fourth quarter
Canadian and U.S. wealth sales reported year-over-year growth of 24&nbsp;per cent and 22&nbsp;per cent, respectively, driven by continued strong mutual fund sales and also included a 79&nbsp;per cent increase in Canadian Group Retirement Solutions
sales. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">This is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Growth (declines) in sales, premiums and deposits and funds under management are stated on a constant currency basis. Constant currency basis is a non-GAAP measure. See
&#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>19</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_3"></A>Performance by Division </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="5"><B>Asia Division </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Manulife Financial has a demonstrated business expertise in Asia dating back more than 100
years. Since issuing our first Asian policy in Shanghai in 1897, we have pursued strong, sustained growth and&nbsp;remained a leading provider of financial protection and wealth management products in Asia. We are relentlessly focused on helping our
Asian customers prepare for their futures, and that focus drives our growth strategy and underpins our commitment to the region. We are diversified across Asia, including some of the world&#146;s largest and fastest-growing economies, with
operations in Hong Kong, Japan, Indonesia, the Philippines, Singapore, China, Taiwan, Vietnam, Malaysia, Thailand, Macau and Cambodia. We now have more than 57,000 contracted agents selling our products and have expanded our distribution
capabilities to include more than 100 bank partnerships and more than 500 dealers, independent agents and brokers. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2013, Asia Division
contributed 19&nbsp;per cent of total premiums and deposits and, as at December&nbsp;31, 2013, accounted for 13&nbsp;per cent of the Company&#146;s funds under management. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Financial Performance </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Asia Division&#146;s net income attributed to shareholders was US$2,451 million in 2013
compared to US$1,979 million for 2012. The increase was driven by the gain on the sale of our Taiwan insurance business and higher earnings from the direct impact of equity markets and interest rates and other investment-related items, partially
offset by a decrease in core earnings, primarily related to changes in currency rates. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Core earnings of US$893 million decreased by US$70 million
primarily related to changes in currency rates. On a currency neutral basis, the favourable impact on core earnings from the growth in in-force business was more than offset by higher dynamic hedging costs and the high new business margins reported
in the first half of 2012 in Japan in advance of tax changes. Sales of these high margin products significantly declined following the tax changes. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On a
Canadian dollar basis, the net income attributed to shareholders for 2013 was $2,519 million compared to $1,969 million reported a year earlier. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
table below reconciles core earnings to net income (loss) attributed to shareholders for Asia Division for 2013, 2012 and 2011. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">($ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>921</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>893</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Items to reconcile core earnings to net income attributed to shareholders:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and interest rates and variable annuity guarantee liabilities that are dynamically hedged<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,164</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,142</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">920</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience related to fixed income trading, market value increases in excess of expected alternative assets investment
returns, asset mix changes and credit experience</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">204</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">205</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Favourable impact of enacted tax rate changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposition of Taiwan insurance business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>334</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of recapture of a reinsurance treaty</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,519</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,969</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(48</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,451</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,979</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(62</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is non-GAAP measure. See &#147;Performance and Non-GAAP Measure&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The direct impact of equity markets and interest rates is relative to our policy liability valuation assumptions and includes changes to interest rate
assumptions. The net gain of C$1,192 million in 2013 (2012 &#150; net gain of C$906 million) consisted of a C$1,057 million gain (2012 &#150; C$946 million gain) related to variable annuities that are not dynamically hedged, a C$60 million gain
(2012 &#150; C$70 million gain) on general fund equity investments supporting policy liabilities and on fee income and a C$75 million gain (2012 &#150; C$110 million loss) related to fixed income reinvestment rates assumed in the valuation of policy
liabilities and a C$28 million charge (2012 &#150;C$5&nbsp;million gain) related to variable annuity guarantee liabilities that are dynamically hedged. The amount of variable annuity guaranteed value that was dynamically hedged at the end of 2013
was 49&nbsp;per cent (2012 &#150; 14&nbsp;per cent). Our variable annuity guarantee dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks associated with the guarantees embedded in these
products. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Asia
Division&#146;s insurance sales </B>in 2013 were US$1.0 billion, a decrease of 16&nbsp;per cent compared with 2012. Sales in Japan of US$400 million were 36&nbsp;per cent lower in 2013 than the prior year due to the run up in sales of cancer
products prior to a tax change in April of last year and lower corporate product sales, a result of pricing actions in late 2012. Indonesia sales of US$120 million increased 18&nbsp;per cent from 2012, driven by improved agency productivity and by
sales generated by Bank Danamon which continue to meet our expectations set when we entered the exclusive relationship. Sales in Hong Kong of US$256 million were in line with 2012 as the favourable impact of 12&nbsp;per cent more professional agents
during 2013 was offset by the higher sales in 2012 related to announced pricing actions. Asia Other insurance sales (Asia excluding Japan, Hong Kong, Indonesia and Taiwan) of US$244 million were five per cent higher than 2012 primarily driven by an
expanded agency force in Vietnam. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Asia Division&#146;s wealth sales </B>in 2013 were a record US$8.3 billion, an increase of 57&nbsp;per cent
compared with 2012. Japan sales of US$1.9 billion increased 33&nbsp;per cent from 2012, driven by higher sales of the Strategic Income Fund during the first half of 2013, along with new fund launches in the second half of the year. Indonesia sales
of US$974 million were in line with last year. A significant rise in Indonesian interest rates, a drop in the local equity market and depreciation of the Rupiah in the second half of 2013 caused many investors to delay investment decisions. Hong
Kong sales of US$1.1 billion increased 44&nbsp;per cent from 2012, primarily driven by continued momentum in Pension sales following the launch of the Mandatory Provident Fund&#146;s new Employee Choice Arrangement late 2012. Asia Other wealth sales
(Asia excluding Japan, Hong Kong and Indonesia) reached a record level of US$4.3 billion, almost double 2012 sales, driven by new fund launches in China, higher mutual fund sales in Taiwan and strong single premium unit-linked product sales in the
Philippines in the first half of the year. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">($ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,052</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,020</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,536</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,690</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,131</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,319</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,698</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,186</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">All periods have been restated to exclude insurance product sales from Taiwan. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Premiums and deposits in 2013 were US$16.1 billion, up 29&nbsp;per cent over 2012 on a
constant currency basis. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Insurance premiums and deposits increased by two per cent to US$6.2 billion in 2013 driven by in-force business growth partly
offset by a 2012 one-time initial reinsurance premium, the exceptionally high level of cancer product sales prior to tax changes in the first half of 2012 and strong corporate product sales prior to pricing actions in the fourth quarter of 2012 in
Japan. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Wealth premiums and deposits increased by 54&nbsp;per cent to US$9.9 billion, for the same reasons as noted in the wealth sales section above.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">($ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,337</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,650</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,311</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,154</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,655</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,167</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,811</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,992</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,908</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,822</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,057</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total premiums and deposits</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;16,504</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;13,461</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;10,303</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;16,062</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;13,477</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;10,422</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Asia
Division funds under management as at December&nbsp;31, 2013 were US$72.0 billion, an increase of one per cent on a constant currency basis, compared with December&nbsp;31, 2012. Net policyholder cash flows of US$4.8 billion and favourable
investment returns in the past year were mostly offset by the negative impact of a weaker Japanese Yen compared to the U.S. dollar and the sale of our Taiwan insurance business. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>($ millions)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>34,756</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34,757</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32,680</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36,800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23,568</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,647</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23,524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22,160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,780</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23,130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual and other funds</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,254</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">16,480</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,109</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,164</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">16,563</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,889</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total funds under management</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;76,578</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;77,735</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;71,390</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;72,004</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;78,143</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;70,191</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Strategic Direction </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Asia
Division continues to build a premier pan-Asian insurance and wealth franchise that is well positioned to meet the evolving protection, savings and retirement needs of the customers in the region. Our core strategy focuses on expanding our
professional agency force and alternative channel distribution, building and expanding our portfolio of products in wealth and protection, as well as investing in our brand across Asia. We remain committed to grow our wealth and asset management
businesses to leverage our asset management capabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2013, we further expanded our network of bank partnerships, highlighted by our exclusive
agreement with Alliance Bank in Malaysia, achieved solid growth in our professional agency force in key markets and strengthened our brand awareness in Asia through various brand building campaigns and activities. We also acquired a 100&nbsp;per
cent interest in MAAKL Mutual Bhd, lifting our asset management franchise in Malaysia to a Top 10 market position</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="2">. </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></TD></TR></TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Based on pro-forma Lipper rankings of all private unit trust funds in Malaysia as at December 31, 2013. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>21</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In Hong Kong, we continue to execute our growth strategy based on diversified product offerings and broadened
distribution capabilities. Our professional agency force now exceeds 6,200, and we signed up two new brokerage partners to distribute our insurance products. We successfully executed on the new Employee Choice Arrangement within the Mandatory
Provident Fund business, and improved our market share from 17.0&nbsp;per&nbsp;cent to 17.7&nbsp;per&nbsp;cent</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">10</SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="2">. We also launched a suite of new protection products, including a medical product targeting the high net-worth segment and three new critical illness products. On the technology side, we continue to make progress
in rolling out our mobile point of sales platform, which enables our advisors to perform financial planning analysis and complete an insurance application electronically. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In Japan, we focused on growing the number of captive agents, maintaining our strong momentum in the corporate market and continuing the build out of the retail business in the independent agent channel. Our mutual
fund business grew significantly with a series of new fund launches and expansion of the distributor network. We are well placed to take advantage of the new Nippon Individual Savings Account program to further grow our mutual fund business in 2014.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In Indonesia, we continued to expand our distribution network and product mix. In 2013, we achieved double digit insurance sales growth over the prior
year despite a challenging economic environment in the second half of the year. Growth in our professional agency force was relatively flat, as we shifted our strategy to focus on enhancing productivity and professionalism. Our partnership with Bank
Danamon that began in July 2012 delivered strong results, consistent with our expectations. We plan to launch a series of new products in 2014 to cater to the growing protection and investment needs of the middle class. We also launched a series of
branding campaigns in 2013 to further our brand awareness in the market. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the Other Asia territories, we continued investing to expand and diversify
our distribution channels, as well as develop our wealth and asset management businesses. We achieved a record number of agents in 2013 in the Philippines, Vietnam and Thailand. We also significantly grew our wealth sales through our bank partners
in the Philippines, Malaysia and Thailand. In China, Manulife Sinochem is now licensed in 51 cities (2012 &#150; 50 cities) within 14 provinces and municipalities, one of the broadest geographic footprints among foreign joint venture insurance
companies. Our focus in China has shifted to enhancing the productivity and professionalism of our agency force. We have also recently expanded into bancassurance and direct distribution channels, and we are exploring ways to capitalize on potential
pension and mutual fund distribution opportunities in China. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">10</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">The calculation of market share is based on the Aggregate Net Asset Values of all Mandatory Provident Fund Schemes (including assets transferred from Occupational Retirement
Schemes) as at September&nbsp;30, 2013, as published in the Statistical Digest by the Mandatory Provident Fund Schemes Authority. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Canadian Division </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>Serving one in five Canadians, Canadian Division is one of the leading financial services organizations in Canada. We offer a broad portfolio of protection, estate planning, investment and banking solutions
through a diversified independent distribution network, supported by a team of more than 8,700 employees. </I></B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Our Individual Insurance
business offers a broad portfolio of insurance products, including universal, whole and term life, as well as living benefits insurance, designed to meet protection, estate and retirement planning needs for middle- and upper-income customers.
Manulife Investments offers a range of investment products and services that span the investor spectrum, from those just starting to build their financial portfolio to individuals and families with complex retirement and estate planning needs, while
Manulife Private Wealth provides personalized investment management, private banking and estate solutions to affluent clients. Manulife Bank helps Canadians with flexible debt and cash flow management solutions as part of their financial plan. We
provide group life, health, disability and retirement solutions to Canadian employers; more than 19,000 Canadian businesses and organizations entrust their employee benefit programs to Manulife&#146;s Group Benefits. Life, health and specialty
products, such as travel insurance, are also offered through alternative distribution channels, including sponsor groups and associations, as well as direct-to-customer marketing. </I></B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In 2013, Canadian Division contributed 24&nbsp;per cent of the Company&#146;s total premiums and deposits and, as at December&nbsp;31, 2013, accounted for 24&nbsp;per cent of the Company&#146;s funds under
management. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Financial Performance </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Canadian
Division&#146;s net income attributed to shareholders was $828 million in 2013 compared with $1,169 million in 2012. The decline was primarily related to the favourable impacts in 2012 of a major reinsurance transaction and reserve releases due to
segregated funds product changes, as well as the unfavourable direct impact of interest rates on the valuation of policy liabilities in 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Core
earnings were $905 million in 2013 compared with $835 million in 2012. The $70 million increase in core earnings was driven by growth of in-force business, including higher fee income on higher assets under management; higher new business margins,
due to price increases and higher interest rates; and improvements in operational efficiency. These increases were partially offset by unfavourable policyholder experience and a lower release of tax provisions related to the closure of prior
years&#146; tax filings. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The table below reconciles core earnings to the net income attributed to shareholders for Canadian Division for 2013, 2012 and
2011. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>905</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Items to reconcile core earnings to net income attributed to shareholders:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of recapture of a reinsurance treaty and in-force product
changes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">259</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and interest rates and variable annuity guarantee liabilities that are dynamically hedged<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4) </SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(266</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment gains related to fixed income trading, market value increases in excess of expected alternative assets investment returns, asset
mix changes and credit experience</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of change in marginal tax rate<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,169</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;927</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company moved the reporting of its International Group Program business unit from the U.S. Division to the Canadian Division in 2012. Prior period results
have been restated to reflect this change. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Core earnings is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The $259 million gain in 2012 included $137 million related to the recapture of a reinsurance treaty and $122 million related to in-force segregated funds
product changes. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The direct impact of equity markets and interest rates is relative to our policy liability valuation assumptions and includes changes to interest rate
assumptions. The loss of $40 million in 2013 (2012 &#150; $85 million gain) consisted of a $28 million gain (2012 &#150; nil) on general fund equity investments supporting policy liabilities, a $187 million loss (2012 &#150; $31 million gain)
related to fixed income reinvestment rates assumed in the valuation of policy liabilities, a $12 million gain (2012 &#150; $4 million gain) related to unhedged variable annuities and a $107 million gain (2012 &#150; $50 million gain) related to
variable annuity guarantee liabilities that are dynamically hedged. The amount of variable annuity guaranteed value that was dynamically hedged at the end of 2013 was 92&nbsp;per cent (2012 &#150; 86&nbsp;per cent). Our variable annuity guarantee
dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks associated with the guarantees embedded in these products. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of enacted or substantially enacted income tax rate changes. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Sales of wealth products in 2013 were a record $12.1 billion, an increase of $2.1 billion or 21&nbsp;per
cent from 2012 levels driven by record mutual fund deposits and strong sales in Group Retirement Solutions (&#147;GRS&#148;). Manulife Bank&#146;s new loan volumes declined modestly from 2012 reflecting an industry-wide slowdown in the retail
mortgage market and a highly competitive environment. Sales of segregated
funds</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">11</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> and Individual Insurance continued to reflect the impact of our
deliberate product re-positioning away from long duration guarantees. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">11</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated fund products include guarantees. These products are also referred to as variable annuities. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>23</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2">Gross mutual fund deposits of $6.6 billion were 60&nbsp;per cent higher than 2012 levels. The
sales success reflects our expanded distribution reach and strong fund performance, leveraging our global asset management expertise across a diverse global platform. GRS ranked second</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">12</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> in the Canadian group retirement industry for the first three quarters of 2013 and had sales of $1.4 billion in 2013,
25&nbsp;per cent higher than 2012 levels. Manulife Bank achieved record net lending assets of $19 billion at December&nbsp;31, 2013, up nine per cent from 2012 due to continued favourable retention and new lending volumes of $4.1 billion for the
year. Fixed product sales of $379 million increased 25&nbsp;per cent compared with 2012, while segregated fund sales of $1.5 billion were 28&nbsp;per cent lower than in 2012. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Insurance sales for 2013 were $1.1 billion, 14&nbsp;per cent lower than our record 2012 sales. Sales in both 2013 and 2012 included significant one-time single premium sales. Excluding these single premium sales,
insurance sales decreased eight per cent from 2012. Group Benefits led the market in sales</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">12</SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="2"> for the first three quarters of 2013. Sales in Individual Insurance declined by one per cent as we continued to reduce exposure to long-term guarantees. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31, </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">658</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;12,133</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;10,057</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;10,784</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Canadian Division premiums and deposits of $21.2 billion in 2013 grew 17&nbsp;per cent from $18.1 billion in 2012. The increase was driven by record mutual fund
deposits and growth in our group retirement business driven by sales and deposits from a growing <FONT STYLE="white-space:nowrap">in-force</FONT> block of plan participants. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31, </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,552</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,620</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,809</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,213</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total premiums and deposits</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;21,172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;18,119</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;17,816</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Funds under management of $145.2 billion as at December&nbsp;31, 2013 grew by $12.0 billion or nine per cent from $133.2 billion at December&nbsp;31, 2012 driven by
business growth in our wealth management business. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>80,611</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">79,961</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">73,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>51,681</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">44,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">40,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual and other funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27,560</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,675</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less mutual funds held by segregated funds</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(14,641</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(12,138</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10,333</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total funds under management</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;145,211</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;133,199</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;122,127</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Strategic Direction </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our
strategic aspiration is to be the trusted partner for broad-based integrated financial solutions in Canada. We have realigned our organization to facilitate a more unified approach to enhancing our customer focus in everything we do. We will
continue to leverage our historic core competencies of product innovation, distribution excellence and service quality to meet our customers&#146; needs in the manner suited to them. We have built a large customer base and strong market positions in
our core businesses. Through disciplined, risk-appropriate growth, we aim to achieve scale in our less mature businesses and maintain or improve market share in our core businesses in order to deliver high quality sustainable earnings and
shareholder value. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">With over 70,000 licensed advisors and 650 Manulife sales professionals, we serve one in five Canadians. In 2013, we expanded our
distribution reach through increased broker-dealer penetration; by adding new advisors and extending existing relationships; as well as through two strategic transactions in the mortgage creditor life and travel insurance businesses. We will
continue to expand our distribution relationships and to invest in support for our advisors to help their businesses thrive, including our wholesaler teams that assist advisors with creative product and sales solutions for their customers, as well
as our leading professional tax and estate planning teams. We will also continue to develop our cross-selling and direct-to-consumer marketing capabilities, which will help build stronger relationships with a broader base of customers in a manner
tailored to their needs. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">12</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">As per quarterly sales surveys by LIMRA, an insurance industry organization, as at September&nbsp;30, 2013. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>24</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our broad product offerings, including our ability to offer guarantees, is a key competitive strength. Further
expansion and integration of this broad portfolio, combined with expanded distribution capabilities and enhanced service delivery, will allow us to provide solutions that meet our customers&#146; needs. In 2013, we launched RetirementPlus, an
innovative, flexible retirement savings and income solution which customers can personalize to meet their retirement needs. This further enhanced our retail wealth management platform, which spans the investor spectrum, ranging from those just
starting out to established individuals and families with more complex retirement and estate planning needs. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the group benefits and retirement
markets, we will continue to increase our profile with small business employers and leverage our strong market position to support employers across all market segments by providing cost effective options to their employees. In 2013, we were the
first company in Canada licensed by the Office of the Superintendent of Financial Institutions (&#147;OSFI&#148;) to administer the new federal Pooled Registered Pension Plans (&#147;PRPPs&#148;) which are expected to be available for sale in
certain provinces in 2014, providing new opportunities for growth in the small business market. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Service quality is critical to building relationships
with existing customers and to attracting new customers. We closely monitor customer and advisor feedback to proactively improve the service experience. We will continue to focus on enhancing our customers&#146; experience, putting their needs at
the centre of everything we do as we make service improvements across the Division through process improvement initiatives, increased automation and outsourcing and off-shoring opportunities. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>25</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>U.S. Division </B></FONT></P>
<P STYLE="margin-top:10px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>In the United States, Manulife Financial operates as John Hancock with a team of approximately 6,000 employees. John Hancock&#146;s core retail products in
the U.S. focus on providing financial solutions at every stage of the financial lives of our customers. We distribute our products primarily through licensed financial advisors and through Signator Investors, Inc. (&#147;Signator&#148;), our
affiliated broker-dealers comprised of a national network of independent firms. John Hancock is the number one provider of target Lifestyle Portfolios in the U.S. based on assets invested in Annuities, Retirement Plan Services, Variable Life
Insurance and Mutual Funds. John Hancock has become a household name in the U.S. with 89&nbsp;per cent overall brand
recognition<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">13</SUP></FONT>. </I></B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Our U.S. insurance businesses include John Hancock Life (&#147;JH Life&#148;) and John Hancock Long-Term Care (&#147;JH LTC&#148;). JH Life offers a broad
portfolio of insurance products, including universal, variable, whole, and term life insurance designed to provide estate, business, and retirement solutions for high net worth and emerging affluent markets. JH LTC provides solutions for
middle-income through affluent clients in need of care advisory services, support, and financial resources that help cover the cost of long-term care in the event of an illness, accident, or through the normal effects of aging. </I></B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>U.S. Wealth Management offers a broad range of products and services focused on individuals and business markets, as well as institutional oriented products
for employee benefit plan funding solutions. John Hancock Retirement Plan Services (&#147;Retirement Plan Services&#148;) provides 401(k) plans to small and medium-sized businesses. John Hancock Investments (&#147;JH Investments&#148;) offers a
variety of mutual funds and 529 College Savings plans. Our Annuity business manages an in-force block of fixed deferred, variable deferred and payout annuity products. </I></B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In 2013, U.S. Division contributed 53&nbsp;per cent of the Company&#146;s total premiums and deposits and, as at December&nbsp;31, 2013, accounted for 57&nbsp;per cent of the Company&#146;s funds under management.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Financial Performance </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">U.S. Division reported
net income attributed to shareholders of US$2,820 million for 2013 compared to US$1,926 million for 2012. Of the US$894 million increase, US$381 million was attributable to an increase in core earnings. Core earnings were US$1,469 million in 2013
compared with US$1,088 million in 2012 and increased due to: higher insurance new business margins resulting from product design actions, price increases and business mix; lower amortization of variable annuity deferred acquisition costs; improved
claims experience primarily in our Life business; higher fee income from growth in our assets under management and the favourable impact of changes related to uncertain tax positions. These items were partially offset by costs associated with
dynamically hedging additional in-force variable annuity guaranteed value. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains excluded from core earnings totaled US$1,351 million in 2013 and netted
to US$838 million in 2012. Similar to the results at the total Company level, we reported favourable investment-related experience in both periods (2013 &#150; US$868 million and 2012 &#150; US$1,029 million). These investment-related experience
gains were a result of the same factors as outlined in the &#147;Analysis of Income&#148; section for the full year above. Other items excluded from core earnings are outlined in the table below. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On a Canadian dollar basis, the net income attributed to shareholders for 2013 was $2,908 million compared to $1,919 million in 2012. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">13</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2013 GfK Brand Tracking Study. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>26</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The table below reconciles core earnings to net income attributed to shareholders for U.S. Division for 2013, 2012 and
2011. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>($ millions)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Core earnings</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,085</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;1,005</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,469</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,088</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Items to reconcile core earnings to net income attributed to shareholders:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience related to fixed income trading, market value increases in excess of expected alternative assets investment
returns, asset mix changes and credit experience</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>893</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>868</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,029</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of release of tax reserves, in-force product changes and major reinsurance transactions<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>193</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>184</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">173</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and interest rates and on variable annuity guarantee liabilities
that are dynamically hedged<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>312</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(363</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,241</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>299</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(364</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,275</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,908</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,919</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">621</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,820</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,926</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">614</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The 2012 results were restated to reflect the retrospective application of new
International Financial Reporting Standards (&#147;IFRS&#148;) accounting standards effective January&nbsp;1, 2013. For a detailed description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required
to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Core earnings is a non-GAAP measure. See &#147;Performance and Non-GAAP Measure&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The US$173 million net gain for impact of release of tax reserves and recapture of reinsurance treaties in 2012 included US$172 million due to an updated
assessment of prior years&#146; uncertain tax positions and net gains of US$10 million on the Life recapture of a reinsurance treaty offset by net losses of US$9 million on the fixed deferred annuity reinsurance transactions.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The US$184 million gain in 2013 was related to policyholder-approved changes to the investment objectives of separate accounts that support our Variable Annuity
products. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The direct impact of equity markets and interest rates is relative to our policy liability valuation assumptions and includes changes to interest rate
assumptions. Our variable annuity guarantee dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks associated with the guarantees embedded in these products. The US$299 million gain in 2013
(2012 &#150; US$364 million loss) consisted of a US$121 million gain (2012 &#150; US$38 million gain) on general fund equity investments supporting policy liabilities, a US$321 million loss (2012 &#150; US$665 million loss) related to fixed income
reinvestment rates assumed in the valuation of policy liabilities, a US$197 million gain (2012 &#150; US$140 million gain) related to variable annuities that are not dynamically hedged, and a US$302 million gain (2012 &#150; US$123 million gain)
related to variable annuities that are dynamically hedged. The amount of variable annuity guaranteed value that was dynamically hedged or reinsured at the end of 2013 was 94&nbsp;per cent (2012 &#150; 60&nbsp;per cent). </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2013, U.S. Division achieved record sales in our
mutual fund business and continued to achieve success in the repositioning of our insurance products. However, sales in our 401(k) business declined due to lower market activity and competitive pressures. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">U.S. Division sales of insurance products were US$563 million in 2013, a decrease of US$36 million or six per cent compared with 2012. Through product redesign,
repricing and business repositioning, we have reduced the equity and interest rate risk and earnings sensitivity of our product portfolio. JH Life&#146;s sales declined six per cent. The business continued to drive improvements in business mix and
profitability driven by double digit growth of targeted Protection universal life (&#147;UL&#148;) and Indexed UL products in 2013. JH LTC&#146;s sales declined five per cent due to the closure of group plans to new entrants and the non-recurrence
of the Federal Government Plan buy-up option in 2012, partially offset by higher retail product sales. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">U.S. Division sales of wealth management products
were US$28.2 billion in 2013, an increase of US$8.0 billion or 39&nbsp;per cent compared with 2012. Wealth Asset Management sales increased 47&nbsp;per cent driven by record mutual funds sales. Improved sales force productivity, strong focus on key
distribution partners and continued strong product performance drove the record sales and increases across all distribution channels. The increase in mutual fund sales was partially offset by lower 401(k) sales and the closure of sales in our
Annuity business. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">($ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>580</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>563</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;625</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth management products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;29,012</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;20,193</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;19,384</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;28,174</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;20,213</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;19,609</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">U.S.
Division total premiums and deposits for 2013 were US$45.2 billion, an increase of US$9.2 billion or 26&nbsp;per cent compared with 2012. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Premiums and
deposits for 2013 for insurance products of US$7.4 billion increased US$0.2 billion, compared with 2012, driven by UL premiums and the termination of a reinsurance assumed contract in 2012. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>27</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Premiums and deposits for 2013 for wealth management products of US$37.8 billion increased US$9.0 billion compared
with 2012, for reasons consistent with the wealth sales results discussed above. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">($ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,579</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,999</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,359</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Wealth management products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38,939</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,779</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,413</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,827</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,799</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,737</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total premiums and deposits</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;46,518</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;35,944</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;34,412</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;45,186</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;35,967</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;34,807</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">U.S.
Division funds under management as at December&nbsp;31, 2013 were a record US$320.1 billion, up nine per cent from December&nbsp;31, 2012. The increase was due to positive investment returns and strong net mutual fund sales in John Hancock Wealth
Asset Management partially offset by surrender and benefit payments in John Hancock Annuities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">($ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian $</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>US $</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>112,930</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">112,405</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">114,939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>106,177</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">112,979</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">113,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>162,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">137,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129,581</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>152,873</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">138,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">127,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual funds and other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64,894</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">42,321</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,063</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61,014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">42,536</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34,475</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total funds under management</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;340,420</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;292,657</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;279,583</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;320,064</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;294,150</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;274,908</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Strategic Direction </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Execution of the U.S. Division strategy
is aimed at driving sustainable earnings growth and sales growth in select markets we are targeting. Our focus remains building a leading company that leverages our trusted brand and capabilities to provide innovative solutions to our
customers&#146; wealth and protection needs. We will use our diverse and broad distribution and core business strength of product innovation to profitably grow our insurance and wealth management franchises. Our growth focus on selective business
lines has allowed us to preserve scale in our businesses while retaining significant relationships with our distributors and strong brand awareness by our customers. Our strategic direction continues to build on the priority of growing our higher
ROE, lower risk businesses. Our objectives are to: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Expand our insurance business into new market segments and distribution channels; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Retain leadership in our core retirement plan services market while continuing to execute on our expansion to the mid-sized plan market;
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Grow our mutual fund product lineup and increase the efficiency of our distribution; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Grow and improve the productivity of our affiliated broker-dealers; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Develop and implement a centralized customer service centre to provide a uniform service experience while also benefiting from scale and expense efficiencies;
and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Explore new and innovative distribution models. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In our U.S. Insurance business, JH Life has successfully transitioned away from guaranteed products on the strength of our highly regarded distribution franchise.
New product development continues to drive success with new indexed universal life insurance products helping to make this rapidly growing product category a significant contributor to overall sales. We intend to build on this success with new
products and to leverage and expand our strong distribution relationships, innovative underwriting and new business processes, and service to support profitable growth. By integrating JH Life and JH LTC into a single business unit we are able to
achieve expense efficiencies and invest in technology and business process improvements to enhance the overall service experience. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We remain an active
participant in the long-term care insurance market and continue to work on new product design ideas that make sense in the low interest rate environment as well as address affordability of coverage and help to fill a gap in customers&#146;
retirement planning. Benefit Builder, a product that offers an innovative alternative to traditional inflation options, gained momentum in 2013. We also continue to actively manage our in-force block of Long-Term Care Insurance. At the end of 2013,
we announced plans to file for state approvals of an in-force rate increase during 2014. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our mutual fund business, JH Investments, achieved very strong
growth in 2013. We will continue to leverage the significant investments made in distribution, investment product line-up, and the continued identification and launch of superior risk-adjusted return products in order to drive earnings growth. We
will also continue to drive growth through expanding distribution relationships and through our success in adding our funds to strategic partner recommended lists. JH Investments and Manulife Asset Management are working closely together on plans to
capitalize on and to further develop our in-house asset management capabilities into products that will support future growth. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Retirement Plan Services plans on maintaining its strong market position in the core 401(k) small plan market segment
while expanding in the mid-sized plan segment, a market we entered in 2013. We will continue to leverage our core strengths including service excellence, participant enrollment and education, distribution and field infrastructure to drive success in
this business line. Our mid-size plan platform uses industry-leading technology to support our service focus and innovative product features and benefits. We believe our technology can be a significant differentiator as we continue our expansion
efforts. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In addition, the Retirement Plan Services will continue to drive growth in the 401(k) roll-in and roll-over market. We offer a dedicated
&#147;Consolidation Centre&#148; where John Hancock employees work with new enrollees to identify old 401(k) plans a participant has that can be consolidated into a 401(k) account with us. We also offer an education centre for when participants
leave a plan that is staffed with customer service employees and licensed registered representatives. The education centre is able to provide a full range of services from basic information and forms to full financial planning and investment advice,
depending upon the level of guidance the participant needs. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We administer over one million annuity contracts. In December 2013, shareholders of the JH
Variable Insurance Trust (&#147;JHVIT&#148;) Lifestyle Portfolios approved a change to the investment objectives of the JHVIT Lifestyle Portfolios to include a volatility management overlay. The managed volatility program is aimed at helping John
Hancock contract owners and policyholders diversify risk, manage volatility of returns, and limit the magnitude of portfolio losses during periods of elevated volatility. If the new investment objectives are successful in improving performance and
achieving more consistent returns over time, the John Hancock life insurance companies will benefit from reduced financial exposure to the guarantees of the contracts and correspondingly lower financial resources to support these guarantees.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We continue to expand Signator (formally &#147;John Hancock Financial Network&#148;). Signator is a strong distributor of insurance products and is
building capacity to grow wealth product sales. During 2013 we executed the acquisition of Symetra Investment Services, increasing our affiliated advisor headcount by 15&nbsp;per cent. We continue to invest in this enterprise that provides
meaningful and diversified distribution opportunities to support our growth in the Retirement Planning and Insurance markets. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>29</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Corporate and Other </B></FONT></P> <P STYLE="margin-top:10px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>Corporate and Other is comprised of investment performance on assets backing capital, net of amounts allocated to operating divisions, financing costs, Investment Division&#146;s external asset management
business (Manulife Asset Management), our Property and Casualty (&#147;P&amp;C&#148;) Reinsurance business as well as our run-off reinsurance business lines including variable annuities and accident and health. </I></B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For segment reporting purposes the impact of updates to actuarial assumptions, settlement costs for macro equity hedges and other non-operating items are included
in this segment&#146;s earnings. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, Corporate and Other contributed five&nbsp;per cent of the Company&#146;s premiums and
deposits and as at December&nbsp;31, 2013, accounted for six&nbsp;per cent of the Company&#146;s funds under management. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Financial Performance
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Corporate and Other reported a full year net loss attributed to shareholders of $3,125 million in 2013 compared to a net loss of $3,247 million in
2012. Core losses were $719 million in 2013 compared with $634 million in 2012 and both years included $200 million of favourable total company investment-related experience that are reported in core earnings. Items excluded from core losses
improved by $207 million from charges of $2,613 million in 2012 to charges of $2,406 million in 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The $85 million increase in core losses in 2013
compared to 2012 related to two items reported in 2012: a release of excess P&amp;C Reinsurance provisions related to the 2011 Japan earthquake and tsunami and commutation gains related to our run-off accident and health reinsurance business. In
addition, the reduction in macro hedging costs in 2013 compared with 2012 was mostly offset by higher expenses and tax related items. The $207 million improvement in charges excluded from core earnings was primarily due to a $592 million lower
charge related to changes in actuarial methods and assumptions (see &#147;Critical Accounting and Actuarial Policies&#148; below); the non-recurrence of a $677 million charge in 2012 related to lower fixed income URR assumptions used in the
valuation of policy liabilities (starting in 2013 the URR assumptions were updated quarterly and reported in the operating segments); and a $200 million goodwill impairment charge in 2012. These items were partially offset by higher losses of $1,234
million primarily related to the impact of higher equity markets and interest rates on our equity (macro) hedges and interest rate sensitivity management strategies. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The table below reconciles core losses to the net loss attributed to shareholders for Corporate and Other for 2013, 2012 and 2011. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Core losses excluding expected cost of macro hedges and core investment gains</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(345</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Expected cost of macro hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(413</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(408</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience included in core earnings</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total core
losses</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(719</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(634</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(623</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Items to reconcile core earnings to net loss attributed to shareholders:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct impact of equity markets and interest
rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,772</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">480</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in actuarial methods and assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(489</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(751</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment charge</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience related to mark-to-market
items<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Offset to core investment-related experience above</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Restructuring charges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of tax changes and business dispositions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>50</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">62</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">303</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net loss attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(3,125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(3,247</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The 2012 results were restated to reflect the retrospective application of new IFRS
accounting standards effective January&nbsp;1, 2013. For a detailed description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The direct impact of equity markets and interest rates included $1,438 million (2012 &#150; $511 million) of losses on derivatives associated with our macro
equity hedges and losses of $262 million (2012 &#150; $16 million) on the sale of AFS bonds. In 2012 it also included a $677 million charge related to lower fixed income URR assumptions used in the valuation of policy liabilities. Starting in 2013
the URR assumptions were updated quarterly and reported in the operating segments. In 2013 the charge reported in the operating divisions was $256 million. Other items in this category netted to a charge of $72 million (2012 &#150; charge of $11
million). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment-related experience includes mark-to-market gains or losses on assets held in the Corporate and Other segment other than gains on AFS equities and seed
money investments in new segregated or mutual funds. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Premiums and deposits were $4.1 billion for 2013 compared with $8.0 billion reported in 2012. The 2012 amount included a substantial institutional fixed income
investment mandate awarded to Manulife Asset Management in the fourth quarter of 2012. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life Retrocession</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Property and Casualty Reinsurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Institutional and other deposits</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,880</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,164</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total premiums and deposits</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;4,056</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;7,977</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,530</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Funds under management of $36.7 billion as at December&nbsp;31, 2013 (December 31, 2012 &#150; $27.6 billion) included assets managed by Manulife Asset Management
on behalf of institutional clients of $32.5 billion (2012 &#150; $28.8 billion) and the Company&#146;s own funds of $4.2 billion (2012 &#150; $(1.2) billion). The increase in the Company&#146;s own funds primarily related to the adjustment of net
derivative positions from invested assets to other assets and other liabilities and was partially offset by tax payments in the U.S. and an increase in assets allocated to the operating divisions. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under Management </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1) </SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,413</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,898</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds &#150; elimination of amounts held by the Company</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(175</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Institutional advisory accounts</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32,486</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,776</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23,778</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total funds under management</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;36,724</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;27,567</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;26,552</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Strategic Direction </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our Property and Casualty Reinsurance
business provides substantial retrocessional capacity for a very select clientele in the property and aviation reinsurance markets. The Company continues to monitor its exposure to natural catastrophes and manages such exposures in relation to the
overall balance sheet risk and volatility. The amount of premium we write each year may fluctuate depending on prevailing market conditions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
strategic direction for our Manulife Asset Management business is included in the &#147;Investment Division&#148; section that follows. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>31</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Investment Division </B></FONT></P> <P STYLE="margin-top:10px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>The Investment Division has two major businesses: management of the Company&#146;s General Fund investments and Manulife Asset Management (&#147;MAM&#148;), a leading global asset management business.
</I></B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>The General Fund is comprised of a broad range of investments including: public and private bonds, mortgages, public and private equities,
and real assets, which include real estate, power and infrastructure, oil and gas, timberland and farmland. Our investment philosophy for the General Fund is to invest in an asset mix that optimizes our risk adjusted returns and matches the
characteristics of our underlying liabilities. </I></B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Manulife Asset Management is the global asset management arm of Manulife Financial,
providing comprehensive asset management solutions for institutional investors and retail clients in key markets around the world. Our expertise extends across a broad range of public and private asset classes as well as asset allocation solutions.
We serve retail clients, through our wealth management affiliates, and directly service institutional clients such as pension plans, foundations, endowments and financial institutions. In 2013, we introduced a new unit, Manulife Asset Management
Private Markets, to bring together our specialized private market teams managing funds for third party investors and to provide access to the Company&#146;s other specialized teams that historically have primarily served the General Fund.
</I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>General Fund Investment Philosophy </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our
investment philosophy employs a bottom-up approach which combines our strong asset management skills with an in-depth understanding of the characteristics of each investment. We invest in a diversified blend of assets, including a variety of
alternative long-duration asset classes. Our diversification strategy has historically produced superior risk adjusted returns while reducing overall risk. We use a disciplined approach across all asset classes and we do not chase yield in the
riskier end of the fixed income market. This strategy has resulted in a well-diversified, high quality investment portfolio which continues to deliver strong and steady investment-related experience. Our risk management strategy is outlined in the
&#147;Risk Management and Risk Factors&#148; section below. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>General Fund Assets </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, our General Fund invested assets totaled $232.7 billion compared to $227.9 billion at the end of 2012. The following charts show the asset class composition as at December&nbsp;31,
2013 and December&nbsp;31, 2012. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655598g10g79.jpg" ALT="LOGO">
 </P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net Investment Income </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unless otherwise stated)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Income</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Yield<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">14</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Income</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Yield<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">14</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,670</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3.8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,629</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividend, rental and other income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,425</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairments and provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(195</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>-0.1%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">99</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,870</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,802</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Realized and unrealized gains (losses) on assets supporting insurance and investment contract liabilities and on macro
equity&nbsp;hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,759</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>-3.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.3%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,351</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.4%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>615</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">307</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.1%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives, including macro equity hedging program</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(11,960</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>-5.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,799</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">-1.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(17,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,825</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total investment income (loss)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>-3.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;11,627</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5.3%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Realized and unrealized gains and losses of $17.6 billion were primarily due to the impact of changes in interest rates and equity
markets on assets carried at fair value. In 2013, the general increase in interest rates resulted in losses of $7.8 billion on debt securities while the general increase in equity markets resulted in gains of $1.4 billion on public equities
supporting insurance and investment contract liabilities. There was a net charge of $12.0 billion on derivatives, including the macro equity hedging program, primarily related to the impact of higher interest rates on the fair value of interest rate
swaps and the impact of higher equity markets on shorted equity futures. Other net realized gains were $0.8 billion. As the measurement of insurance and investment contract liabilities includes estimates regarding future expected investment income
on assets supporting the insurance and investment contract liabilities, only the difference between the mark-to-market accounting on the measurement of both assets and liabilities impacts net income. Refer to &#147;Financial Performance&#148;
section above. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Debt Securities and Private Placement Debt </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We manage our high quality fixed income portfolio to optimize yield and quality while ensuring that the asset portfolio remains diversified by sector, industry, duration, issuer, and geography. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the fixed income portfolio of $136.0 billion (2012 &#150; $139.4 billion) was 96&nbsp;per cent investment grade and 75&nbsp;per cent
was rated A or higher (2012 &#150; 95 and 76&nbsp;per cent, respectively). The private placement debt holdings provide diversification benefits (issuer, industry, and geography) and, because they often provide stronger protective covenants and
collateral than debt securities, they typically provide better credit protection and potentially higher recoveries in the event of default. As at December&nbsp;31, 2013, 50&nbsp;per cent of the portfolio was invested in the United States (2012
&#150; 51&nbsp;per cent), 29&nbsp;per cent in Canada (2012 &#150; 28&nbsp;per cent), 17&nbsp;per cent in Asia and Other (2012 &#150; 17&nbsp;per cent), and four per cent in Europe (2012 &#150; four per&nbsp;cent). </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">14</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Yields are based on IFRS income and are calculated using the geometric average of assets held at IFRS carrying value during the reporting period. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>33</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following charts provide information on the credit quality of these assets as at December&nbsp;31, 2013 and
December&nbsp;31, 2012. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Debt Securities and Private Placement Debt &#150; Credit
Quality<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<B>
</B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655598g18w81.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Reflects credit quality ratings as assigned by Nationally Recognized Statistical Rating Organizations (&#147;NRSRO&#148;) using the following priority sequence
order: Standard&nbsp;&amp; Poor&#146;s, Moody&#146;s, Dominion Bond Rating Service, Fitch, and Japan Credit Rating. For those assets where ratings by NRSRO are not available, disclosures are based upon internal ratings as described in the &#147;Risk
Management and Risk Factors&#148; section below. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Per cent of carrying value</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt<BR>securities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Private<BR>placement<BR>debt</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt<BR>securities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Private<BR>placement<BR>debt</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Financial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Telecommunications</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Utilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Energy</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Securitized (MBS/ABS)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Consumer (non-cyclical)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Consumer (cyclical)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Basic materials</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Technology</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Media and internet</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total per cent</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total carrying value ($ billions)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;115.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;21.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;136.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;119.1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;20.3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;139.4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, gross unrealized losses on our fixed income holdings were $2.9 billion or two per cent of the
amortized cost of these holdings (2012 &#150; $0.7 billion or one per cent). Of this amount, $73 million (2012 &#150; $160 million) relates to debt securities trading below 80&nbsp;per cent of amortized cost for more than six months. Securitized
assets represented $55 million of the gross unrealized losses and $14 million of the amounts trading below 80&nbsp;per cent of amortized cost for more than six&nbsp;months (2012&nbsp;&#150;&nbsp;$116&nbsp;million and $80 million, respectively).
After adjusting for debt securities held in the participating policyholder and other pass-through segments, as well as the provisions for credit included in the policy liabilities, the potential impact to shareholders&#146; pre-tax earnings for
bonds trading at less than 80&nbsp;per cent of amortized cost for greater than six months was approximately $52 million as at December&nbsp;31, 2013 (2012 &#150; $93 million). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the Company had $3.4 billion of both public and private securitized assets, consisting of Commercial Mortgage Backed Securities (&#147;CMBS&#148;), Residential Mortgage Backed
Securities (&#147;RMBS&#148;), and Asset Backed Securities (&#147;ABS&#148;) representing one per cent of total invested assets (2012 &#150; $3.8 billion and two per cent). </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Mortgages </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, mortgages represented 16&nbsp;per cent (2012 &#150; 15&nbsp;per cent)
of invested assets with 62&nbsp;per cent of the mortgage portfolio invested in Canada (2012 &#150; 63&nbsp;per cent) and 38&nbsp;per cent in the U.S. (2012 &#150; 37&nbsp;per cent). The overall portfolio is also diversified by geographic region,
property type, and borrower. Of the total mortgage portfolio, 28&nbsp;per cent (2012&nbsp;&#150;&nbsp;31&nbsp;per cent) is insured, primarily by Canada Mortgage and Housing Corporation (&#147;CMHC&#148;) &#150; Canada&#146;s AAA rated government
backed national housing agency, with 54&nbsp;per cent (2012 &#150; 61&nbsp;per cent) of residential mortgages insured and seven per cent (2012 &#150; eight per cent) of commercial mortgages insured. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>34</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table shows the distribution of the carrying value of the mortgage portfolio by property type.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mortgages </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">% of total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">% of total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Multi-family residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,533</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Retail</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Office</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,647</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,103</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other commercial</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,143</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,957</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Bank single residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16,998</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>45</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Agriculture</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,233</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,333</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total mortgages</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;35,082</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Commercial mortgages have been conservatively underwritten and accounted for 52&nbsp;per cent (2012 &#150; 53&nbsp;per cent) of
total mortgages. Geographically, 33&nbsp;per cent are in Canada and 67&nbsp;per cent are in the U.S. (2012 &#150; 37&nbsp;per cent and 63&nbsp;per cent, respectively). We are well diversified by property type and largely avoid risky market segments
such as hotels, construction loans and second liens. As noted in the table below, the mortgages have low loan-to-value ratios, high debt-service coverage ratios, and very few loans are in arrears. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Non-CMHC Insured Commercial Mortgages<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP></FONT> </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Loan-to-Value ratio<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>59%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">59%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">63%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt-Service Coverage ratio<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.47x</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.85x</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.48x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.75x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Average duration</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3.1&nbsp;years</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5.6&nbsp;years</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2.8&nbsp;years</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5.5&nbsp;years</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Average loan size (C$ millions)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$&nbsp;&nbsp;5.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$&nbsp;&nbsp;12.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;4.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;10.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Loans in
arrears<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.00%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.00%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.01%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.00%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">CMHC is Canada Mortgage and Housing Corporation, Canada&#146;s AAA rated national housing agency. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Excludes Manulife Bank commercial mortgage loans of $38 million (2012 &#150; $23 million). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Loan-to-Value and Debt-Service Coverage are based on re-underwritten cash flows. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Arrears defined as over 90 days past due in Canada and over 60 days past due in the U.S. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Public Equities </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, public equity
holdings of $13.1 billion represented six per cent (2012 &#150; $11.0 billion and five per cent) of invested assets, and when excluding pass-through and participating business, represent two per cent (2012 &#150; two per cent) of invested assets.
The portfolio is diversified by industry sector and issuer. Geographically, 34&nbsp;per cent (2012 &#150; 36&nbsp;per cent) is held in Canada, 32&nbsp;per cent (2012 &#150; 29&nbsp;per cent) is held in the U.S., and the remaining 34&nbsp;per cent
(2012 &#150; 35&nbsp;per cent) is held in Asia, Europe and other geographic areas. The composition of holdings by segment is outlined below. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Public Equities &#150; by Segment<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<B></B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655598g39s08.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Restated for a reclassification of certain assets, which primarily included public equities, from General Fund AUM to External Clients AUM. In reviewing our
segregated fund arrangements, the Company also corrected the classification of certain funds. This retroactive correction resulted in an increase in both segregated fund net assets and net liabilities and a corresponding decrease in both total
invested assets and insurance contract liabilities as at December&nbsp;31, 2012. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities denoted as pass-through are held by the Company to support the yield credited on equity-linked investment funds for Canadian and Indonesian life
insurance products. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>35</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Alternative Long-Duration Assets </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Our alternative long-duration asset portfolio is comprised of a diverse range of asset classes with varying but largely uncorrelated characteristics. These are typically private assets representing investments in
varied sectors of the economy which act as a hedge against future inflation and serve as an alternative source of asset supply to long-term corporate bonds. In addition to being a suitable match against our long-duration liabilities, these assets
provide enhanced yields and diversification relative to traditional fixed income markets. The vast majority of our alternative long-duration assets are managed in-house. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, alternative long-duration assets of $19.9 billion represented nine per cent (2012 &#150; $16.8 billion and seven per cent) of invested assets. The fair value of total alternative
long-duration assets was $20.8 billion at December&nbsp;31, 2013 (2012&nbsp;&#150;&nbsp;$17.6 billion). The carrying value by sector and/or asset type as follows: </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Alternative Long-Duration Assets </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">% of total<BR>carrying value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">% of total<BR>carrying value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Office</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,149</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>603</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Company use</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>804</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,152</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">942</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total real estate</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,708</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Power and infrastructure</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,486</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,181</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,761</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Timberland</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,712</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Oil and gas</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,643</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Farmland</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,058</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">754</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>126</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total alternative long-duration assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;19,914</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;16,785</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Real Estate </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The real estate
portfolio is diversified by geographic region, with 61&nbsp;per cent located in the U.S., 35&nbsp;per cent in Canada, and four per cent in Asia as at December&nbsp;31, 2013 (2012 &#150; 56&nbsp;per cent, 40&nbsp;per cent, and four per cent,
respectively). The high quality portfolio has virtually no leverage and is primarily invested in premium urban office towers, concentrated in cities with stable growth, and highly diverse economies in North America and Asia. The portfolio is well
positioned with an average occupancy rate of 95&nbsp;per cent (2012&nbsp;&#150;&nbsp;94.6&nbsp;per cent) and an average lease term of 6.5 years (2012 &#150; 6.1 years). During 2013 we executed five acquisitions, representing over $0.8 billion market
value of commercial real estate assets. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Power&nbsp;&amp; Infrastructure </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Investments include electrical power generation, electricity transmission, water distribution, toll roads, ports, social infrastructure investments (including schools and hospitals), and midstream gas
infrastructure assets (including gas gathering, transportation, distribution and storage). The portfolio is well diversified geographically across over 300 portfolio companies, with holdings predominantly in the U.S. and Canada, but also in the
U.K., Western Europe and Australia. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Timberland&nbsp;&amp; Farmland </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s timberland and farmland assets are managed by our proprietary Hancock Natural Resources Group (&#147;HNRG&#148;). In addition to being the world&#146;s largest timberland investment manager for
institutional investors</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">15</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2">, with properties in the U.S., New Zealand and
Australia, HNRG also manages farmland properties in the U.S., Australia and Canada. The General Fund&#146;s timberland portfolio comprised 17 per cent of HNRG&#146;s total timberland assets under management (&#147;AUM&#148;) (2012 &#150; 18&nbsp;per
cent). The farmland portfolio includes annual (row) crops, fruit crops, wine grapes, and nut crops. The Company&#146;s holdings comprised 45 per cent of HNRG&#146;s total farmland AUM (2012 &#150; 41&nbsp;per cent). </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Private Equities </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our portfolio includes both directly held
private equity and private equity funds. Both are diversified across vintage years and industry sectors. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Oil&nbsp;&amp; Gas </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">This category is comprised of our conventional Canadian oil and gas properties which are managed by our subsidiary NAL Resources and various other oil and gas
private equity interests. Production mix in 2013 was approximately 55&nbsp;per cent crude oil, 36&nbsp;per cent natural gas, and nine&nbsp;per cent natural gas liquids (2012 &#150; 53&nbsp;per cent, 37&nbsp;per cent, and 10&nbsp;per cent,
respectively). </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other Invested Assets </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Other
invested assets are comprised of leases, affordable housing, and other miscellaneous invested assets. As at December&nbsp;31, 2013, other invested assets of $3.3 billion represented one per cent (2012 &#150; $3.3 billion and one per cent) of
invested assets. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">15</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Based on HRNG internal studies using industry data. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Manulife Asset Management </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Assets Under Management </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Total assets managed by Manulife Asset Management grew by $39.8 billion from
December&nbsp;31, 2012, to $280.2 billion as at December&nbsp;31, 2013. Assets managed for external clients grew by $37.4 billion to $242.8 billion during the same period. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Manulife Asset Management AUM Composition </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Affiliate / Retail<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP>:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61,045</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">56,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balanced</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,972</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64,937</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47,618</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset allocation<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>71,865</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">64,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Alternatives</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>199</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">179</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>210,018</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">176,324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Institutional:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,232</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balanced</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,702</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,769</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,429</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset allocation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Alternatives</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,666</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,840</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32,790</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management External Clients AUM</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>242,808</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">205,424</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General Fund<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23,642</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,822</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Alternative long-duration assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,145</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,417</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34,975</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total Manulife Asset Management AUM</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;280,225</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;240,399</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes 49&nbsp;per cent share of Manulife TEDA Fund Management Company Ltd., based on the joint venture ownership structure. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Restated for a reclassification of certain assets from General Fund AUM to External Clients AUM. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>Asset Allocation excludes $48,098 million and $35,592 million internally managed
underlying funds in 2013 and 2012, respectively, already included in the other asset categories to avoid double-counting. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales</B> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2013, our public markets teams earned significant
mandates across Asia, Europe, and North America. These wins came from a diverse group of existing and new clients and spanned pensions, sovereign wealth funds, and financial institutions, amongst others. Gross inflows in our Institutional business
were $4.0 billion (2012 &#150; $7.9 billion). </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Public Markets &#150; Investment Performance </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>% of MAM Public Markets AUM Outperforming Benchmarks</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="24%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655598g28e20.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"><FONT STYLE="font-family:ARIAL" SIZE="2">We target&nbsp;at&nbsp;least 55 per cent of assets under management to outperform their benchmarks or peer group. As at December&nbsp;31, 2013, investment performance has exceeded our
target across all classes on a 1, 3 and 5-year basis.</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment performance is based on actively managed Manulife Asset Management Public Markets account-based, asset-weighted performance versus their primary
internal targets, which includes accounts managed by portfolio managers of Manulife Asset Management. Some retail accounts are evaluated net of fees versus their respective Morningstar peer group. All institutional accounts and all other retail
accounts are evaluated gross of fees versus their respective index. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes balanced funds </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes money market funds </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>37</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">At year end, MAM had 70 funds rated Four- or Five-stars by Morningstar</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">16</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2">, an increase of nine funds since December&nbsp;31, 2012, excluding money market funds. In addition to providing industry-leading
performance</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">17</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> for our Wealth Management Affiliates, we also created 64 new
mutual funds and segregated funds. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Strategic Direction </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As institutional and retail investors alike continue to pursue risk-adjusted returns across the globe, demand for multi-asset class solutions, real assets and global and emerging market equities and fixed income
persists. Our strategic priorities are aligned to continue to capitalize on these trends. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Manulife Asset Management&#146;s public markets
business</B> continues to grow across each of our key geographies, backed by continuing strong investment performance. Our defining characteristics are alpha-focused</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">18</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> active management, a boutique environment, a global footprint and a client-centric culture. The core of our continuing success
is our strong investment performance. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2013, we expanded our global investment capabilities with the addition of three new teams and the acquisition
of MAAKL Mutual Bhd in Malaysia. We also added specialist talent across our global strategies, including Korean equity and Japan fixed income capabilities. Going forward, Manulife Asset Management public markets will continue to enhance its
investment capabilities via acquisition and organic build to meet end-clients&#146; evolving needs with best-in-class investment solutions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Manulife
Asset Management Private Markets</B>&#146; vision is to be recognized as a leading third party manager of private assets. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Private assets are a large and
growing part of the asset management market. Investor trends have shown increased allocations to private assets to enhance yields in a low-rate environment, with allocations expected to further increase, as investors look to diversify their
portfolios. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our short term strategy is to pursue &#147;core&#148; offerings, consistent with Manulife&#146;s current investing approach, targeting
institutional as well as ultra-high and high net worth investors. In addition to our existing timberland, farmland, and mezzanine debt offerings, Private Markets expects to expand its offerings in three prioritized growth asset classes: commercial
real estate equity, commercial mortgages and private placement debt, based on their market potential and ability to leverage Manulife&#146;s existing capabilities and capacity. As the business grows, we will further expand our offerings. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">16</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">For each fund with at least a three year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return that accounts for variation in a
fund&#146;s monthly performance (including effects of sales charges, loads and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10% of funds in each category, the next 22.5%, 35%, 22.5% and
bottom 10% receive 5, 4, 3, 2 or 1 star, respectively. The Overall Morningstar Rating for a fund is derived from a weighted average of the performance associated with its three, five and 10 year (if applicable) Morningstar Rating metrics. Past
performance is no guarantee of future results. The overall rating includes the effects of sales charges, loads and redemption fees, while the load-waived does not. Load-waived rating for Class&nbsp;A shares should only be considered by investors who
are not subject to a front-end sales charge. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">17</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Performance above median for all asset classes in 1, 3, and 5 year time frames. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">18</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Excess returns relative to internal benchmarks. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_4"></A>Risk Management and Risk Factors </B></FONT></P>
<P STYLE="margin-top:10px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Overview </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife Financial is a global financial
institution offering insurance, wealth and asset management products and other financial services. These businesses subject the Company to a broad range of risks. Our goal is to strategically optimize risk taking and risk management to support
long-term revenue, earnings and capital growth. We seek to achieve this by capitalizing on business opportunities and strategies with appropriate risk/return profiles; establishing sufficient management expertise to effectively execute strategies,
and to identify, understand and manage underlying inherent risks; pursuing strategies and activities aligned with the Company&#146;s corporate and ethical standards and operational capabilities; pursuing opportunities and risks that enhance
diversification; and, making risk taking decisions with analyses of inherent risks, risk controls and mitigations, and risk/return trade-off. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Enterprise Risk Management (&#147;ERM&#148;) Framework </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655598g08l41.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s ERM Framework provides a structured approach to implementing risk taking and risk management activities at an
enterprise level supporting the Company&#146;s long-term revenue, earnings and capital growth strategy. It is communicated through risk policies and standards which ensure consistent design and execution of strategies across the organization. We
have a common approach to managing all risks to which the Company is exposed, and a consistent evaluation of potential returns on contemplated business activities on a risk-adjusted basis. These policies and standards of practice cover: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Assignment of accountability and delegation of authority for risk oversight and risk management. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The types and levels of risk the Company seeks given its strategic plan and risk appetite. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Risk identification, measurement, assessment and mitigation which enable effective management and monitoring of risk. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Validation, back testing and independent oversight to confirm that the Company generated the risk profile it intended and the root cause analysis of any notable
variation. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife&#146;s ERM practices are influenced and impacted by internal and external factors (such as economic conditions,
political environments, technology, risk culture etc.) which can significantly impact the levels and types of risks the Company might face in its pursuit to strategically optimize risk taking and risk management. Our ERM Framework incorporates
relevant impacts and mitigating actions as appropriate. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">A strong risk culture and a common approach to risk management are integral to Manulife&#146;s
risk management practices. Manulife&#146;s Board of Directors is accountable for the oversight of risk management, and delegates this authority through a governance framework that is centered on the &#147;three lines of defense&#148; model that
includes a network of risk oversight committees, global risk officers, global risk managers and global risk policies and practices: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s
first line of defense includes the Chief Executive Officer (&#147;CEO&#148;) and Business Unit General Managers. Businesses are ultimately accountable for the risks they assume and for the day to day management of the risks and related controls.
They are supported by global risk managers and risk management professionals across the enterprise that are responsible for specific risk taking activities and the design and execution of risk mitigation practices that are consistent with this
Policy and individual risk management strategies. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The second line of defense is comprised of the Company&#146;s Chief Risk Officer (&#147;CRO&#148;),
the Group Risk Management (&#147;GRM&#148;) function, global oversight functions and divisional chief risk officers and functions. Together this group provides independent oversight of risk taking and risk mitigation activities across the
enterprise. Enterprise-level risk oversight committees, including the Executive Risk Committee (&#147;ERC&#148;), also provide oversight of risk taking and risk mitigation activities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The third line of defense is comprised of Audit Services, which provides independent assurance that controls are effective and appropriate relative to the risk inherent in the business, and that risk mitigation
programs and risk oversight functions are effective in managing risks. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>39</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Culture </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife strives for a risk aware culture, where individuals and groups are encouraged, feel comfortable and are proactive in making transparent, balanced
risk-return decisions that are in the long term interests of the Company. Key areas of focus pertaining to risk culture include: aligning individual and Company objectives; identifying and escalating risks before they become significant issues;
promoting a collaborative approach that enables appropriate risk taking; ensuring transparency in identifying, communicating and tracking risks; and systematically acknowledging and surfacing material risks. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Governance </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Board of Directors oversees
management&#146;s implementation of appropriate frameworks, processes and systems to identify and manage the principal risks of the Company&#146;s business and periodically reviews and approves our enterprise risk policy, our risk taking philosophy
and overall risk appetite. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The CEO is directly accountable to the Board of Directors for all risk taking activities and risk management practices, and
is supported by the Company&#146;s CRO as well as by the ERC. Together, they shape and promote our risk culture and guide risk taking throughout our global operations and strategically manage our overall risk profile. The ERC, along with other
executive level risk oversight committees, establishes risk policies, guides risk taking activity, monitors significant risk exposures and sponsors strategic risk management priorities throughout the organization. The Board and executive level risk
oversight committees, and key elements of their mandates, are presented below. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">GRM, under the direction of the CRO, establishes and maintains our
enterprise risk management framework and oversees the execution of individual risk management programs across the enterprise. GRM seeks to ensure a consistent enterprise-wide assessment of risk, risk based capital and risk adjusted returns across
all operations. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Board of Directors and Board Committees </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655598g00s68.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Risk Committee </I></B>&#150; This committee is responsible for assisting the Board in its oversight of the Company&#146;s
management of its principal risks. The committee also assesses, reviews and approves policies, procedures and controls in place to manage risks and reviews the Company&#146;s compliance with risk policies. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Audit Committee</I></B> &#150; This committee is responsible for assisting the Board in its oversight role with respect to the quality and integrity of
financial information, the effectiveness of the Company&#146;s internal controls over financial reporting and the effectiveness of the Company&#146;s compliance with legal and regulatory requirements. It also oversees activities and risks related to
conflicts of interest, confidentiality of information, customer complaints and related party transactions. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Management Resources and Compensation
Committee</I></B> &#150; This committee oversees the Company&#146;s global human resources strategy, policies, programs with a special focus on management succession, development and compensation, and risk management relating to these programs.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Executive Committees </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655598g45a62.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Executive Risk Committee </I></B>&#150; The ERC approves risk policies and oversees the execution of our enterprise risk
management program. The committee monitors our overall risk profile, including key and emerging risks, and guides risk-taking activities. As part of these activities, the ERC monitors material risk exposures and sponsors strategic risk management
priorities including overseeing risk reduction plans. The ERC also reviews and assesses the impact of business strategies, opportunities and initiatives on our overall risk position. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>40</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Credit Committee</I></B> &#150; The Credit Committee establishes credit risk policies, risk management standards
of practice and oversees the credit risk management program. The Credit Committee monitors our overall credit risk profile, key and emerging risk exposures, risk management activities, and ensures compliance with credit risk policies. The committee
also approves large individual credits and investments, and manages credit risk jointly with the Global Asset Liability Committee. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Global Asset
Liability Committee</I></B> (&#147;GALCO&#148;) &#150; The GALCO establishes market and liquidity risk policies and oversees related market and liquidity risk and asset liability management programs and practices. The committee monitors our overall
market risk profile, key and emerging risk exposures and risk management activities as well as compliance with related policies. GALCO also approves target investment strategies and, as noted above, manages credit risk jointly with the Credit
Committee. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Capital Committee</I></B> &#150; The Capital Committee oversees our capital management policy framework and provides direction on
strategic issues affecting our regulatory capital for all our operating companies. The committee considers and approves internal target regulatory capital ratios and capital structure for the Company. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Product Oversight Committee</I></B> (&#147;POC&#148;) &#150; The POC establishes product design and pricing policies and insurance risk policies, as well as
risk management standards of practice with regards to risks covered by these policies. It oversees the insurance risk management program and the process for approval of new product initiatives and third party reinsurance arrangements for new
business. The POC monitors product design and pricing, and insurance risk across the Company, as well as, oversees underwriting and claims risk committee activities, including retention management and underwriting and claims risk oversight.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Operational Risk Committee</I></B> (&#147;ORC&#148;) &#150; The ORC oversees operational risk exposures and associated governance and risk
processes. It oversees the maintenance and enhancement of our overall Operational Risk Management Framework, including implementation of our Operational Risk Management Program and overseeing specific operational risk management programs and
practices. The ORC reviews and approves operational risk policies and monitors compliance with such policies. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Appetite </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Risk taking activities are managed within the Company&#146;s overall risk appetite, which defines the amount and types of risks the Company is willing to assume,
and is comprised of three components: risk philosophy, risk appetite statements, and risk limits and tolerances. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife Financial is a global
financial institution offering insurance, wealth and asset management products and other financial services. All of these activities involve some elements of risk taking. Our objective is to balance the Company&#146;s level of risk with our
business, growth and profitability goals, in order to achieve consistent and sustainable performance over the long-term that benefits our customers and shareholders. When making decisions about risk taking and risk management, Manulife places the
highest priority on the following risk management objectives: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">To safeguard the commitments and expectations we have established with our shareholders, customers and creditors; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">To prudently and effectively deploy the capital invested in the Company by our shareholders with appropriate risk/return profiles; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">To protect and/or enhance the Company&#146;s reputation and brand; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">To maintain the Company&#146;s targeted financial strength rating. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s risk appetite defines the tolerance levels for the total level, and various types of risk that the Company is willing to accept. It is a key part of our strategic planning and operational
execution. The following statements provide guideposts for risk taking at Manulife: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife accepts a total level of risk that provides a very high level of confidence to meeting customer obligations while targeting an acceptable overall return
to shareholders over time; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company targets a credit rating amongst the strongest of its global peers; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife values customer-focused innovation and encourages prudent initiatives intended to increase competitive advantage; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Capital market risks are acceptable when they are managed within specific risk limits and tolerances; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company believes a balanced investment portfolio reduces overall risk and enhances returns; therefore it accepts credit and alternative long-duration asset
related risks; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company pursues insurance risks that add customer and shareholder value where we have competence to assess and monitor them, and for which we receive
appropriate compensation; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife accepts that operational risks are an inherent part of our business but will protect its business and customers&#146; assets through cost-effective
operational risk mitigation; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife expects its officers and employees to act in accordance with our values, ethics and standards; and to preserve and enhance our brand and reputation.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Risk tolerances and limits are established for risks within our risk classification framework that are inherent in our strategies in
order to define the types and amount of risk the Company will assume. Risk tolerance levels are set for risks deemed to be most significant to the Company and are established in relation to economic capital, earnings at risk and regulatory capital
required. The purpose of risk limits is to cascade the total Company risk appetite to a level that can be effectively managed. Manulife establishes standalone risk limits for risk categories to avoid excessive concentration in any individual risk
category and manage the overall risk profile of the organization. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>41</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Identification, Measurement and Assessment </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We have a common approach and process to identify, measure and assess the risks we assume. We evaluate all potential new business initiatives, acquisitions, product offerings, reinsurance arrangements, and
investment and financing transactions on a comparable risk adjusted basis. Divisions, business units and functional groups are responsible for identifying and assessing key and emerging risks on an ongoing basis. A standard inventory of risks is
used in all aspects of risk identification, measurement and assessment, and monitoring and reporting. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Risk exposures are evaluated using a variety of
risk measures, with certain measures used across all risk categories, while others apply only to some risks or a single risk type. Risk measurement includes: key risk indicators; stress tests, including sensitivity tests and scenario impact
analyses; and stochastic scenario modeling. Qualitative risk assessments are performed for those risk types that cannot be reliably quantified. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We
perform a variety of stress tests on earnings, regulatory capital ratios, economic capital, earnings at risk and liquidity, that consider significant, but plausible events. We also perform other integrated, complex scenario tests to assess key risks
and the interaction of these risks. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Economic capital measures the amount of capital required to meet obligations with a high and pre-defined confidence
level. Our earnings at risk metric measures the potential variance from quarterly expected earnings at a particular confidence level. Economic capital and earnings at risk are both determined using internal models and measure enterprise-wide risks
and are allocated by risk type and business. Economic capital and earnings at risk provide measures of enterprise-wide risk that can be aggregated and compared across business activities and risk types. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Monitoring and Reporting </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Under the direction of the
CRO, GRM oversees a formal process for monitoring and reporting on all significant risk at the Group level. Risk exposures are also discussed at various risk oversight committees, along with any exceptions or proposed remedial actions, as required.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On a quarterly basis, the ERC, Board Risk Committee and Board of Directors review risk reports that present an overview of our overall risk profile and
exposures across our principal risks. The reports incorporate both quantitative risk exposure measures and sensitivities, and qualitative risk assessments. The reports also highlight key risk management activities and facilitate monitoring
compliance with key risk policy limits. The ERC reviews key financial risk exposures and sensitivities at least monthly. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our Chief Actuary presents the
results of the Dynamic Capital Adequacy Test to the Board of Directors annually. Our Chief Auditor reports the results of internal audits of risk controls and risk management programs to the Audit Committee semi-annually. Management reviews the
implementation of key risk management strategies, and their effectiveness, with the Risk Committee annually. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Control and Mitigation
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Risk control activities are in place throughout the Company to mitigate risks within established risk limits. We believe our controls, which include
policies, procedures, systems and processes, are appropriate and commensurate with the key risks faced at all levels across the Company. Such controls are an integral part of day to day activity, business management and decision making. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">GRM establishes and oversees formal review and approval processes, involving independent individuals, groups or risk oversight committees, for product offerings,
insurance underwriting, reinsurance, investment activities and other material business activities, based on the nature, size and complexity of the risk taking activity involved. Authorities for assuming risk at the transaction level are delegated to
specific individuals based on their skill, knowledge and experience. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Risk mitigation activities, such as product and investment portfolio management,
hedging, reinsurance and insurance protection are used to assist in managing our aggregate risk to within our risk appetite. Internal controls within the business units and corporate functions mitigate our exposure to operational risks. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following sections describe the key risks and associated risk management strategies for each of our broad risk categories: strategic, market, liquidity, credit,
insurance and operational. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Strategic Risk </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Strategic risk is the risk of loss resulting from the inability to adequately plan or implement an appropriate business strategy, or to adapt to change in the
external business, political or regulatory environment. </I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Key Risk Factor Overview </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We operate in highly competitive markets and compete for customers with both insurance and non-insurance financial services companies. Customer loyalty and
retention, and access to distributors, are important to the Company&#146;s success and are influenced by many factors, including our product features, service levels, prices, and our financial strength ratings and reputation. Erosion of our
corporate image by adverse publicity, as a result of our business practices or those of our employees, representatives and business partners, may cause damage to our franchise value. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">External business, economic, political, tax, legal and regulatory environments and changes to accounting or actuarial reserving standards can significantly impact the types, pricing and attractiveness of the
products and services we offer. The economic environment may remain volatile and our regulatory environment, particularly in Canada, will continue to evolve, potentially with </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>42</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
higher capital requirements which would materially impact our competitiveness. Further, the attractiveness of our product offerings relative to our competitors will be influenced by competitor
actions, as well as our own, and the requirements of the regulatory regimes we and they operate under. For these and other reasons, there is no certainty that we will be successful in implementing our business strategies or that these strategies
will achieve the objectives we target. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Management Strategy </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The CEO and Executive Committee establish and oversee execution of business strategies and have accountability to identify and manage the risks embedded in these strategies. They are supported by a number of
processes: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Strategic business, risk and capital planning that is reviewed with the Board of Directors; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Detailed strategic and business planning that is executed by divisional management and is reviewed by the CEO, the Chief Operating Officer, the Group Chief
Financial Officer (&#147;CFO&#148;), the CRO, and other members of the Executive Committee; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Quarterly operational performance and risk reviews of all key businesses with the CEO and annual reviews with the Board of Directors;
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Risk based capital attribution and allocation designed to encourage a consistent decision-making framework across the organization; and
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Review and approval of acquisitions and divestitures by the CEO and, where appropriate, the Board of Directors. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The CEO and Executive Committee are ultimately responsible for our reputation; however, our employees and representatives are responsible for conducting their
business activities in a manner that upholds our reputation. This responsibility is reinforced by: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">An enterprise-wide reputation risk policy that specifies the oversight responsibilities of the Board of Directors and the responsibilities of executive
management; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Communication to and education of all directors, officers, employees and representatives, including our Code of Business Conduct and Ethics;
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Application of a set of guiding principles in conducting all our business activities, designed to protect and enhance our reputation; and
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Reputation risk assessments considered as part of business strategy development and execution. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We regularly review and adapt our business strategies and plans in consideration of changes in the external business, economic, political and regulatory
environments in which we operate. Changes in actuarial reserving standards and changes in the cost of hedging may also cause us to review our business strategies and plans. Key elements of our business strategy include diversifying our business mix,
accelerating growth of those products that have a favourable risk/return profile and better potential outcomes under a range of economic and policyholder behaviour scenarios, and reducing or withdrawing from products with unattractive risk profiles.
Our strategy also incorporates a plan to continue to mitigate our in-force public equity and interest rate risks. Depending upon market conditions, these actions could result in costs which might depress income. We have designed our business plans
and strategies to align with our risk appetite, capital and financial performance objectives. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following is a further description of key strategic
risk factors. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>General Macro-Economic Risk Factors </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Under the Canadian insurance accounting and regulatory capital regimes, the impact of the current market conditions are largely reflected in our current period
results. Weak or worsening economic conditions could result in material charges to income and reductions in our capital position, notwithstanding our improved risk profile and strong underlying regulatory capital position. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2012 we set objectives of $4 billion in core earnings and core ROE of 13&nbsp;per cent in 2016</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">19</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> based on our macro-economic and other assumptions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Risk factors that may result in an inability to achieve our objectives include the following: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Actions taken by management to bolster capital and further reduce the Company&#146;s risk profile and strengthen capital could reduce future earnings.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">A period of flat equity markets would represent underperformance relative to our long-term valuation assumption and would negatively impact earnings. In
addition, as outlined below, there can be no assurance that our dynamic hedging strategy will fully offset the risks arising from the variable annuities being hedged. The publicly traded equity performance risk measures outlined below show the
potential impact on net income attributed to shareholders resulting from an immediate 10, 20 and 30&nbsp;per cent change in market values of publicly traded equities followed by a return to the expected level of growth assumed in the valuation of
policy liabilities. Expected long-term annual market growth assumptions for public equities pre-dividends for key markets are based on long-term historical observed experience. In the stochastic valuations of our segregated fund guarantee business,
those rates inclusive of dividends are 9.6%&nbsp;per annum in Canada, 9.6%&nbsp;per annum in the U.S., 6.2%&nbsp;per annum in Japan, and vary between 7.8% and 9.85%&nbsp;per annum for European equity funds. The calibration of the economic scenario
generators that are used to value segregated fund guarantee business complies with current actuarial Standards of Practice for the valuation of these products. Implicit margins are determined through stochastic valuation processes which results in
lower net yields used to determine policy liabilities. Assumptions used for alternative assets backing liabilities are constrained by different Standards of Practice and are marginally lower than those used in stochastic valuations. Alternative
asset return assumptions vary based on asset class but are largely consistent, after application of valuation margins and differences in taxation, with returns assumed for public equities. </FONT></P></TD></TR></TABLE>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">19</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution regarding forward-looking statements&#148; above. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>43</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">A prolonged low interest environment would result in charges related to lower fixed income ultimate reinvestment rate assumptions and an increase in new business
strain: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">The fixed income ultimate reinvestment rate is based on five and ten year rolling averages of government bond rates. The potential impact on net income attributed to shareholders
assuming government bond rates remain at December&nbsp;31, 2013 levels or change by 50 basis points is outlined under the &#147;Critical Accounting and Actuarial Policies&#148; section below. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">In addition, the difference between the current investable returns and the returns used in pricing new business are generally capitalized when new business is written. Lower
interest rates result in higher new business strain until products are re-priced or rates increase. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Fixed income reinvestment rates other than the ultimate reinvestment rate are based on current market rates. The net income sensitivity to changes in current rates is outlined in
the section &#147;Interest Rate and Spread Risk&#148; below. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Other potential consequences of weak economic conditions include: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Low interest rates could negatively impact sales. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Lower sales volumes could put increased pressure on our ability to maintain operating expense levels within the levels provided for in the policy liability valuation and could
result in lower future profit. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Lower risk free rates tend to increase the cost of hedging, and as a result the offering of segregated fund guarantees could become uneconomic. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">The reinvestment of cash flows into low yielding AFS bonds could result in lower future earnings on surplus. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">A lower interest rate environment could be correlated with other macro-economic factors including unfavourable economic growth and lower returns on other asset classes.
</FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Lower interest rates could contribute to potential impairments of goodwill. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">A weak or declining economic environment could increase the value of guarantees associated with variable annuities, or embedded guarantees in other annuity or insurance products,
and could result in future adverse policyholder behaviour experience. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Lower interest rates could lead to lower mean bond parameters used for the stochastic valuation of segregated fund guarantees, resulting in higher policy liabilities.
</FONT></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Regulatory and Capital Risk Factors </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company is subject to a wide variety of laws and regulations that vary by jurisdiction and are intended to protect policyholders and beneficiaries first and
foremost, rather than investors. Insurance authorities and regulators in many countries are reviewing their capital requirements and implementing or considering changes aimed at strengthening risk management and the capitalization of financial
institutions. Changes in regulatory capital guidelines for banks under the Basel Accord or the International Association of Insurance Supervisors (&#147;IAIS&#148;) initiatives to create Basic Capital Requirements, a special Higher Loss Absorbency
capital surcharge on select activities, and International Capital Standards may also have implications for insurance companies. In addition, legal and regulatory capital could be impacted by changes to accounting standards being proposed by the IASB
with respect to insurance contracts, financial instruments, and hedge accounting as well as by changes to the actuarial standards being proposed by the Canadian Actuarial Standards Board. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The potential changes to regulatory capital, actuarial and accounting standards could have a material adverse effect on the Company&#146;s Consolidated Financial Statements and regulatory capital both on transition
and going forward. The impact of these changes remains uncertain but could lead to higher levels of required capital going forward. These changes could also limit the ability of the insurance subsidiaries to pay dividends or make distributions and
could have a significantly adverse effect on MFC&#146;s capital mobility, including its ability to pay dividends to shareholders, buy back its shares and service its debt. We may be required to raise additional capital, which could be dilutive to
existing shareholders, or to limit the new business we write, or to pursue actions that would support capital needs but adversely impact our subsequent earnings potential. In addition, the timing and outcome of these initiatives could have a
significantly adverse impact on our competitive position relative to that of other Canadian and international financial institutions with which we compete for business and capital. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Some recent examples of regulatory and professional standard developments which could impact our earnings and/or capital position are provided below. </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">In December 2013 the Canadian Actuarial Standards Board (&#147;ASB&#148;) issued its Exposure Draft updating the Standards of Practice related to economic
reinvestment assumptions used in the valuation of policy liabilities. The new Standards are expected to be effective in the fourth quarter of 2014. We do not anticipate the impact on net income in the quarter of implementation will be significant.
However, the actual impact will vary based on the level of prevailing interest rates at the time of implementation, changes to the Exposure Draft between now and the effective date of the new Standards, or changes to interpretation of the revised
Standards. In addition, the new Standards will impact our net income sensitivities to changes in interest rates. The impact on our sensitivities could be positive or negative and the direction will be influenced by the approach we take to modeling
interest rates under the new standards as well as any risk management actions taken. It should be noted that although sensitivities may change, the nature of the risks related to the business are unchanged.</FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">20</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The Canadian Institute of Actuaries is also expected to publish guidance on calibration criteria for fixed income funds with respect to the valuation of
segregated fund guarantees, which we believe will be effective in 2014. Once effective, the new calibration criteria will apply to the determination of segregated fund guarantee actuarial liabilities and required capital and may result in a
reduction in net income and MLI&#146;s MCCSR ratio. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The International Accounting Standards Board (&#147;IASB&#148;) issued exposure drafts of new accounting standards for insurance contracts in June 2013. As
drafted, the standard would create material unwarranted volatility on our financial results and capital position. The </FONT></P></TD></TR></TABLE>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">20</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution regarding forward-looking statements&#148; above. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P><FONT STYLE="font-family:ARIAL" SIZE="2">
&nbsp;&nbsp;final standards are not expected to be effective until at least 2018 and it is not known if changes would be made to &nbsp;&nbsp;regulatory capital to adjust for the unwarranted
volatility. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The Office of the Superintendent of Financial Institutions (&#147;OSFI&#148;) has been considering a number of changes, including establishing methodologies for
evaluating standalone capital adequacy for Canadian operating life insurance companies, such as MLI, and updates to its regulatory guidance and disclosures for non-operating insurance companies acting as holding companies, such as MFC. OSFI has
indicated that MCCSR and internal target capital ratio guidelines are expected to become applicable to MFC effective January&nbsp;1, 2016. In addition, OSFI is evaluating a possible overhaul of the regulatory capital framework in Canada intended for
implementation in 2018. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The NAIC has been reviewing reserving and capital methodologies as well as the overall risk management framework. These reviews will affect U.S. life insurers,
including John Hancock, and could lead to increased reserving and/or capital requirements for our business in the United States. In the fall of 2013, the IAIS committed to the completion of several capital initiatives in the next few years that will
apply to select or all global insurance groups. These include Basic Capital Requirements, a special Higher Loss Absorbency capital surcharge on select activities, and International Capital Standards. It is not yet known how the proposals will affect
capital requirements and the competitive position of the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company currently has reinsurance agreements, including agreements with third parties and affiliate reinsurance agreements. Regulators in the U.S. and
elsewhere are in the process of reviewing life insurers&#146; use of affiliate reinsurance companies, and in some cases, the use of reinsurance arrangements more generally. We cannot predict what, if any, changes may result from this review. Changes
to the regulatory treatment of affiliate and third party reinsurance arrangements could potentially have an adverse effect on the financial results, liquidity and capital position of some of our subsidiaries result in increased collateral
requirements, and/or our use of affiliate reinsurance companies. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>The Dodd-Frank Wall Street Reform and Consumer Protection Act
(&#147;Dodd-Frank&#148;) </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Dodd-Frank Title VII in the United States establishes a new framework for regulation of over-the-counter (&#147;OTC&#148;)
derivatives which affects activities of the Company which use derivatives for various purposes, including hedging equity market, interest rate and foreign currency exposures. Regulations by the U.S. Commodities Futures Trading Commission and the
U.S. Securities and Exchange Commission under Dodd-Frank (since June&nbsp;10, 2013) requires certain types of OTC derivative transactions to be executed through a centralized exchange or regulated facility and be cleared through a regulated
clearinghouse. These new rules cause additional costs, including new capital and funding requirements, and additional regulation on the Company. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Derivative transactions executed through exchanges or regulated facilities attract incremental collateral requirements in the form of initial margin, and require
variation margin to be cash settled on a daily basis which increases liquidity risk for the Company. The increase in margin requirements (relative to bilateral agreements), combined with a more restricted list of securities that qualify as eligible
collateral, requires us to hold larger positions in cash and treasuries, which could reduce income. Conversely, transactions executed through exchanges largely eliminate OTC counterparty credit risk but increase our exposure to the risk of an
exchange or clearinghouse defaulting, and increased capital or margin requirements imposed on our OTC derivative counterparties could reduce our exposure to the counterparties&#146; default. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In-force OTC derivative transactions are grandfathered and will migrate to being cleared through exchanges over time, or the Company may elect to accelerate the migration. As such, this does not become a
significant risk for Manulife until a large portion of our derivatives have transitioned to clearing houses and market conditions adverse to liquidity (material increases in interest rates and/or equity markets) have been experienced. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Similar regulations in other jurisdictions we operate in are expected to become effective in as early as 2014. We cannot predict the effect of the legislation on
our hedging costs, our hedging strategy or its implementation, or whether Dodd-Frank and similar regulations in other jurisdictions will lead to an increase or decrease in or change in composition of the risks we hedge<B>. </B> </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>International Financial Reporting Standards </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The IASB and
the Financial Accounting Standards Board (&#147;FASB&#148;) issued exposure drafts of new accounting standards for insurance contracts in June 2013. The two proposals are similar in some of their main principles, but differ in many of the
requirements around measurement of ongoing obligations to policyholders. These proposals will have a material impact on our financial results if implemented in their current form. The Company&#146;s capital position and income for accounting
purposes would be highly correlated to prevailing market conditions, resulting in massive unwarranted volatility that will make it difficult for investors, regulators, and other authorities to distinguish between the performance of the underlying
business and meaningless short-term market noise. This could also result in life insurers exiting the long duration contracts business and pulling out of alternative long-duration investments ultimately reducing the stability and long-term view of
the insurance business. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The comment periods on the exposure drafts ended on October&nbsp;25, 2013 and the final standards are not expected to be
effective until at least 2018. We, along with other companies in the industry from around the world, provided feedback on the significant issues we see with the IASB and FASB exposure draft proposals. In addition, Manulife, MetLife Inc., New York
Life and Prudential Financial Inc. performed comprehensive field testing of both the IASB and FASB proposals within the exposure draft response period. The results of these field tests supported the concerns raised with the IASB and FASB.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Additionally, for IFRS, other jurisdictions may not adopt the standard as issued or on the same timeline as published by the IASB, and there is a
possibility that Canada will be the first to adopt the standard. Adopting the standard in Canada before it is adopted elsewhere would increase our cost of capital compared to global competitors and the banking sector in Canada. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The insurance industry in Canada has support from OSFI and the federal government with respect to the potential impact of these proposals on Canadian insurance
companies. The industry is urging policymakers to ensure that any future accounting and capital proposals appropriately consider the underlying business model of a life insurance company and, in particular, the implications for long-duration
guaranteed products which are much more prevalent in North America than elsewhere. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>45</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Entities within the MFC Group are interconnected which may make separation difficult </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Linkages between MFC and its subsidiaries may make it difficult to dispose of or separate a subsidiary within the group by way of spin-off or similar transaction.
See the Company&#146;s Annual Information Form &#150; &#147;Risk Factors &#150; Additional risks &#150; Entities within the MFC Group are interconnected which may make separation difficult.&#148; In addition to the possible negative consequences
outlined in such disclosure, other negative consequences could include a requirement for significant capital injections, and increased net income and capital sensitivities of MFC and its remaining subsidiaries to market declines. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Ratings Risk Factors </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has received security
ratings from approved rating organizations on certain of its long-term debt, liabilities for preferred shares and capital instruments and preferred shares qualifying as equity. In addition, the Company&#146;s primary insurance operating subsidiaries
have received financial strength/claims paying ability ratings. Our ratings could be adversely affected if, in the view of the rating organizations, there is deterioration in our financial flexibility, operating performance, or risk profile. Adverse
ratings changes could have a negative impact on future financial results. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Reputation Risk Factors </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s reputation is one of our most valuable assets. Our corporate image may be eroded by adverse publicity as a result of our business practices or
those of our employees, representatives, and business partners, potentially causing damage to our franchise value. A loss of reputation is often a consequence of some other risk control failure whether associated with complex financial transactions
or relatively routine operational activities. As such, reputation risk cannot be managed in isolation from other risks. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Factors and IFRS 7
Disclosure </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The shaded text and tables in the following sections of this MD&amp;A represent our disclosure on market and liquidity risk in accordance
with IFRS 7, &#147;Financial Instruments &#150; Disclosures&#148;, and include a discussion on how we measure risk and our objectives, policies and methodologies for managing these risks. Therefore, the following shaded text and tables represent an
integral part of our audited annual Consolidated Financial Statements for the years ended December&nbsp;31, 2013 and December&nbsp;31, 2012. The fact that certain text and tables are considered an integral part of the Consolidated Financial
Statements does not imply that the disclosures are of any greater importance than the sections not part of the disclosure. Accordingly the &#147;Risk Management and Risk Factors&#148; disclosure should be read in its entirety. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Market Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Market risk is the risk of loss resulting
from market price volatility, interest rate change, credit and swap changes, and from adverse foreign currency rate movements. Market price volatility primarily relates to changes in prices of publicly traded equities and alternative long-duration
assets. </I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Market Risk Management Strategy Overview </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Our overall strategy to manage our market risks incorporates several component strategies, each targeted to manage one or more of the market risks arising from our businesses. At an enterprise level, these
strategies are designed to manage our aggregate exposures to market risks against economic capital, regulatory required capital and earnings at risk limits. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The following table outlines our key market risks and identifies the risk management strategies which contribute to managing these risks. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Publicly</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Traded&nbsp;Equity</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Performance</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Risk</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Interest&nbsp;Rate</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>and Spread</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Risk</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Alternative</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B><FONT STYLE="white-space:nowrap">Long-Duration</FONT></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Asset&nbsp;Performance</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Risk</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Foreign</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Exchange&nbsp;Risk</B></FONT></P></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Product Design and Pricing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable Annuity Guarantee Dynamic Hedging</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Macro Equity Risk Hedging</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset Liability Management</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign Exchange Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">X</FONT></TD></TR>
</TABLE> </div> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">To reduce public equity risk, we primarily use a variable annuity guarantee dynamic hedging strategy which is complemented by
a general macro equity risk hedging strategy. As a result of our dynamic and macro hedging program, as at December&nbsp;31, 2013, we estimate that approximately 64 to 82&nbsp;per cent of our underlying earnings sensitivity to a 10&nbsp;per cent
decline in equity markets would be offset by hedges. The lower end of the range is based on the dynamically hedged assets that exist at December&nbsp;31, 2013 and assumes re-balancing of equity hedges for dynamically hedged variable annuity
liabilities at five per cent intervals and the upper end of the range assumes the performance of the dynamic hedging program would completely offset the loss from the dynamically </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>46</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
hedged variable annuity guarantee liabilities. Our strategies employed for variable annuity guarantee dynamic hedging and macro equity risk hedging expose the Company to additional risks. These
risks are outlined in the &#147;Publicly Traded Equity Performance Risk&#148; section below. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In general, to reduce interest rate risk, we lengthen the
duration of our fixed income investments in both our liability and surplus segments by investing in longer duration bonds, and by executing lengthening interest rate swaps. During 2013, the sensitivity of net income attributed to shareholders to
declines in interest rates increased slightly, remaining well within our risk appetites. The increase was driven by the impact of market movements, as interest rates and equity markets increased significantly during the year in most jurisdictions.
Risk management activity was limited to interest rate swaps executed in the Japanese market. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Changes in the market value of fixed income assets held in
our surplus segment may provide a natural economic offset to the interest rate risk arising from our product liabilities. In order for there to also be an accounting offset, the Company would need to realize a portion of the available for sale fixed
income unrealized gains or losses. While we have a history of being able to realize a portion of these gains or losses, it is not certain that we would crystallize any of the unrealized gains or losses available.<B></B> </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Key Risk Factors </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Publicly Traded Equity Performance Risk
</B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Publicly traded equity performance risk arises from a variety of sources, including guarantees associated with certain variable annuity and
segregated fund products, asset based fees, and investments in publicly traded equities supporting both our general fund products and our surplus segment. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our most significant source of equity risk arises from variable annuity and segregated funds with guarantees, where the guarantees are linked to the performance of
the underlying funds. Guaranteed benefits are contingent and only payable upon death, maturity, permitted withdrawal or annuitization. If equity markets decline or even if they increase by an amount lower than that assumed in our actuarial
valuation, additional liabilities may need to be established to cover the contingent liabilities, resulting in a reduction in shareholders&#146; net income and regulatory capital ratios. Further, if equity markets do not recover to the amount of the
guarantees, by the dates the liabilities are due, the accrued liabilities will need to be paid out in cash. In addition, a sustained flat or a decline in public equity markets would likely reduce asset based fee revenues related to variable
annuities and segregated funds with guarantees and related to other wealth and insurance products. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Where publicly traded equity investments are used to
support policy liabilities, the policy valuation incorporates projected investment returns on these assets. If actual returns are lower than the expected returns, the Company&#146;s policy liabilities will increase, reducing net income attributed to
shareholders. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Further, for products where the investment strategy applied to future cash flows in the policy valuation includes
investing a specified portion of future cash flows in publicly traded equities, a decline in the value of publicly traded equities relative to other assets could require us to change the investment mix assumed for future cash flows, which may
increase policy liabilities and reduce net income attributed to shareholders. In addition, a reduction in the outlook for expected future returns for publicly traded equities, which could result from a fundamental change in future expected economic
growth, would increase policy liabilities and reduce net income attributed to shareholders. Furthermore, to the extent publicly traded equities are held as AFS, other than temporary impairments that arise will reduce income. </FONT></P></div>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B></B>Expected long-term annual market growth assumptions for public equities pre-dividends for key markets are based on long-term historical observed experience.
In the stochastic valuations of our segregated fund guarantee business, those rates inclusive of dividends are 9.6%&nbsp;per annum in Canada, 9.6%&nbsp;per annum in the U.S., 6.2%&nbsp;per annum in Japan and vary between 7.8% and 9.85%&nbsp;per
annum for European equity funds. The calibration of the economic scenario generators that are used to value segregated fund guarantee business complies with current actuarial Standards of Practice for the valuation of these products. Implicit
margins are determined through stochastic valuation processes which results in lower net yields used to determine policy liabilities. Assumptions used for alternative long-duration assets backing liabilities are constrained by different Standards of
Practice and result in marginally lower returns for public equities than those used in stochastic valuations. Alternative asset return assumptions vary based on asset class but are largely consistent, after application of valuation margins and
differences in taxation, with returns assumed for public equities.<B></B> </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Interest Rate and Spread Risk </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Interest rate and spread risk arises from general fund guaranteed benefit products, general fund adjustable benefit products with minimum rate guarantees, general fund products with guaranteed surrender values,
segregated fund products with minimum benefit guarantees and from surplus fixed income investments. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest rate and spread risk arises within the
general fund primarily due to the uncertainty of future returns on investments to be made as assets mature and as recurring premiums are received and invested or reinvested to support longer dated liabilities. Interest rate risk also arises due to
minimum rate guarantees and guaranteed surrender values on products where investment returns are generally passed through to policyholders. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">A general decline in interest rates, without a change in corporate bond spreads and swap spreads, will reduce the assumed yield on future investments used in the valuation of policy liabilities, resulting in an
increase in policy liabilities and a reduction in net income. A general increase in interest rates, without a change in corporate bond spreads and swap spreads, will result in a decrease in policy liabilities and an increase in net income. In
addition, decreases in corporate bond spreads or increases in swap spreads will result in an increase in policy liabilities and a reduction in net income, while an increase in corporate bond spreads or a decrease in swap spreads will have the
opposite impact. The impact of changes in interest rates and in spreads may be partially offset by changes to credited rates on adjustable products that pass through investment returns to policyholders. </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>47</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">For segregated fund and variable annuity products, a sustained increase in interest rate volatility or a decline in interest rates would also likely increase the costs of hedging the benefit guarantees provided.
</FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Alternative Long-Duration Asset Performance Risk </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Alternative long-duration asset performance risk arises from general fund investments in commercial real estate, timber properties, agricultural properties, infrastructure, oil and gas properties, and private
equities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Where these assets are used to support policy liabilities, the policy valuation incorporates projected investment returns
on these assets. Alternative long-duration asset assumptions vary by asset class and generally have a similar impact on policy liabilities as publicly traded equities would. If actual returns are lower than the expected returns, the Company&#146;s
policy liabilities will increase, reducing net income attributed to shareholders. Further, for products where the investment strategy applied to future cash flows in the policy valuation includes investing a specified portion of future policy cash
flows in alternative long-duration assets, a decline in the value of these assets relative to other assets could require us to change the investment mix assumed for future cash flows, increasing policy liabilities and reducing net income. In
addition, a reduction in the outlook for expected future returns for alternative long-duration assets, which could result from a fundamental change in future expected economic growth, would increase policy liabilities and reduce net income
attributed to shareholders. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Foreign Exchange Risk </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Our financial results are reported in Canadian dollars. A substantial portion of our business is transacted in currencies other than Canadian dollars, mainly U.S. dollars, Hong Kong dollars and Japanese yen. If the
Canadian dollar strengthens relative to these currencies, reported earnings would decline and our reported shareholders&#146; equity would decline. Further, to the extent that the resultant change in available capital is not offset by a change in
required capital, our regulatory capital ratios would be reduced. A weakening of the Canadian dollar against the foreign currencies in which we do business would have the opposite effect, and would increase reported Canadian dollar earnings and
shareholders&#146; equity, and would potentially increase our regulatory capital ratios. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Market Risk Management Strategies </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Product Design and Pricing Strategy </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Our policies, standards and standards of practice with respect to product design and pricing are designed with the objective of aligning our product offerings with our risk taking philosophy and risk appetite, and
in particular, that incremental risk generated from new sales aligns with our strategic risk objectives and risk limits. The specific design features of our product offerings, including level of benefit guarantees, policyholder options, fund
offerings and availability restrictions as well as our associated investment strategies help to mitigate the level of underlying risk. We regularly review and modify all key features within our product offerings, including premiums and fee charges
with a goal of meeting profit targets and staying within risk limits. Certain of our general fund adjustable benefit products have minimum rate guarantees. The rate guarantees for any particular policy are set at the time the policy is issued and
governed by insurance regulation in each jurisdiction where the products are sold. The contractual provisions allow crediting rates to be re-set at pre-established intervals subject to the established minimum crediting rate guarantees. The Company
may partially mitigate the interest rate exposure by setting new rates on new business and by adjusting rates on in-force business where permitted. In addition, the Company partially mitigates this interest rate risk through its asset liability
management process, product design elements, and crediting rate strategies. New product initiatives, new business reinsurance arrangements and material insurance underwriting initiatives must be reviewed and approved by the CRO or key individuals
within the global risk management group. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Hedging Strategies for Variable Annuity and Other Equity Risks </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s exposure to movement in public equity market values primarily arises from variable annuity guarantees and to a smaller extent from asset-based fees and general fund public equity holdings.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Dynamic hedging is the primary hedging strategy for variable annuity market risks. As at December&nbsp;31, 2013, approximately 64 per cent to
82&nbsp;per cent of our in-force variable annuity guarantee values, net of amounts reinsured, were dynamically hedged. Dynamic hedging is employed for new variable annuity guarantees business when written, or as soon as practical thereafter.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Public equity risk arising from other sources (not dynamically hedged) is managed through our macro equity risk hedging strategy.
Interest rate risk arising from variable annuity business not dynamically hedged is managed within our asset liability management strategy. </FONT></P></div>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Dynamic Hedging </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The variable annuity dynamic hedging strategy is designed to hedge the sensitivity of variable annuity guarantee policy liabilities and available capital to fund performance (both public equity and bond funds) and
interest rate movements. The objective of the dynamic hedging strategy is to offset, as closely as possible, the change in the economic value of guarantees with the profit and loss from our hedge asset portfolio. The economic value of guarantees
moves in close tandem with, but not exactly, as our variable annuity guarantee policy liabilities, as it reflects best estimate liabilities and does not include any liability provisions for adverse deviations. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our current hedging approach is to short exchange-traded equity index and government bond futures and execute currency futures and lengthening
interest rate swaps to hedge sensitivity of policy liabilities to fund performance and interest rate movements arising from variable annuity guarantees. We dynamically rebalance these hedge instruments as market conditions change, in order to
maintain the hedged position within established limits. Other derivative instruments (such as equity options) are also utilized and we may consider the use of additional hedge instruments opportunistically in the future. </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>48</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our variable annuity guarantee dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks
associated with the guarantees embedded in these products. The profit (loss) on the hedge instruments will not completely offset the underlying losses (gains) related to the guarantee liabilities hedged because: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Policyholder behaviour and mortality experience are not hedged; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Provisions for adverse deviation in the policy liabilities are not hedged; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">A portion of interest rate risk is not hedged; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Credit spreads widen and actions are not taken to adjust accordingly; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Fund performance on a small portion of the underlying funds is not hedged due to lack of availability of effective exchange-traded hedge instruments;
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Performance of the underlying funds hedged may differ from the performance of the corresponding hedge instruments; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Correlations between interest rates and equity markets could lead to unfavourable material impacts; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Unfavourable hedge rebalancing costs can be incurred during periods of high volatility from equity markets, bond markets and/or interest rates. The impact is
magnified when these impacts occur concurrently; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Not all other risks are hedged. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The risks related to the variable annuity dynamic hedging strategy are described below within &#147;Risks Related to Dynamic and Macro Hedging Strategies&#148;. </FONT></P></div>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Macro Equity Risk Hedging </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The objective of the macro equity risk hedging program is to maintain our overall earnings sensitivity to public equity market movements within our Board approved risk appetite limits. The macro hedging program
thus hedges earnings sensitivity due to movements in public equity markets arising from all sources (outside of dynamically hedged exposures). Sources of equity market sensitivity addressed by the macro equity hedging include: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Residual equity and currency exposure from variable annuity guarantees not dynamically hedged; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">General fund equity holdings backing non-participating liabilities; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Variable life insurance; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Unhedged provisions for adverse deviation related to variable annuity guarantees dynamically hedged; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Variable annuity fees not associated with guarantees and fees on segregated funds without guarantees, mutual funds and institutional assets managed.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We currently execute our macro equity risk hedging strategy by shorting equity futures and executing currency
futures, and rolling them over at maturity. We may consider the use of alternative long maturity instruments opportunistically in the future. </FONT></P></div>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risks Related to Dynamic and Macro Hedging Strategies </B></FONT></P> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our
hedging strategies rely on the execution of derivative transactions in a timely manner. Therefore, hedging costs and the effectiveness of the strategy may be negatively impacted if markets for these instruments become illiquid. The Company is
subject to the risk of increased funding and collateral demands which may become significant as equity markets increase. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company is also subject to
counterparty risks arising from the derivative instruments and to the risk of increased funding and collateral demands which may become significant as equity markets and interest rates increase. The strategies are highly dependent on complex systems
and mathematical models that are subject to error and rely on long-term forward-looking assumptions that may prove inaccurate, and which rely on sophisticated infrastructure and personnel which may fail or be unavailable at critical times. Due to
the complexity of the strategies there may be additional, unidentified risks that may negatively impact our business and future financial results. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Under
certain market conditions, which include a sustained increase in realized equity and interest rate volatilities, a decline in interest rates, or an increase in the correlation between equity returns and interest rate declines, the costs of hedging
the benefit guarantees provided in variable annuities may increase or become uneconomic. In addition, there can be no assurance that our dynamic hedging strategy will fully offset the risks arising from the variable annuities being hedged.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B></B>Policy liabilities and MCCSR required capital for variable annuity guarantees are determined using long-term forward-looking estimates of
volatilities. These long-term forward-looking volatilities assumed for policy liabilities and required capital meet the Canadian Institute of Actuaries and OSFI calibration standards. To the extent that realized equity or interest rate volatilities
in any quarter exceed the assumed long-term volatilities, or correlations between interest rate changes and equity returns are higher, there is a risk that rebalancing will be greater and more frequent, resulting in higher hedging costs. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The level of guarantee claims ultimately paid will be impacted by policyholder longevity and policyholder activity including the timing and amount of withdrawals,
lapses and fund transfers. The sensitivity of liability values to equity market and interest rate movements that we hedge are based on long-term expectations for longevity and policyholder activity, since the impact of actual longevity and
policyholder experience variances cannot be hedged using capital markets instruments.<B></B> </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Asset Liability Management Strategy </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Our asset liability management strategy is designed to help ensure that the market risks embedded in our assets and liabilities held in the Company&#146;s general fund are effectively managed and that risk
exposures arising from these assets and liabilities are maintained below targeted levels. The embedded market risks include risks related to the level and movement of interest rates and credit spreads, public equity market performance, alternative
long-duration asset performance and foreign exchange rate movements. </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>49</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <div style="width:100%;margin-left:0%; margin-right:0%;background-color:#eaeaea;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">General fund product liabilities are segmented into groups with similar characteristics that are supported by specific asset segments. Each segment is managed to a target investment strategy appropriate for the
premium and benefit pattern, policyholder options and guarantees, and crediting rate strategies of the products they support. Similar strategies are established for assets in the Company&#146;s surplus account. The strategies are set using portfolio
analysis techniques intended to optimize returns, subject to considerations related to regulatory and economic capital requirements, and risk tolerances. They are designed to achieve broad diversification across asset classes and individual
investment risks while being suitably aligned with the liabilities they support. The strategies encompass asset mix, quality rating, term profile, liquidity, currency and industry concentration targets. </FONT></P></div>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B></B>We employ matching mandates, target return mandates or a combination of both in managing the assets in each segment. Matching mandates invest in fixed income
assets such as publicly traded bonds, private debt and mortgages and seek to match the term profile of the liabilities, subject to the assets available in investment markets. Target return mandates invest a portion in a diversified basket of
alternative long-duration assets with the remainder invested in fixed income assets and seek to generate returns sufficient to support either guaranteed obligations or to maximize policyholder dividends or credited rates subject to risk and capital
constraints for products that generally pass-through investment returns to policyholders. We manage overall allocations to alternative long-duration assets to reflect our risk tolerances. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We group our liabilities into four broad categories: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Guaranteed products with premiums and benefits that are not adjusted with changes in investment returns and interest rates. We use a combination of matching and
target return mandates with the matching mandates supporting obligations within the term period for which fixed income assets are generally available in investment markets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Adjustable products which have benefits that are generally adjusted as interest rates and investment returns change, but which have minimum credited rate
guarantees. These tend to be supported by target return mandates although segments supporting shorter term liabilities may use matching mandates. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Variable annuity guarantee liabilities with benefits and liability amounts that fluctuate significantly with performance of the underlying segregated funds.
These tend to be supported by matching mandates. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Non-insurance liabilities which are commingled with the assets held in our surplus account. These tend to be supported by a combination of mandates.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In our general fund, we limit concentration risk associated with alternative long-duration asset performance by investing in a
diversified basket of assets including public and private equities, commercial real estate, infrastructure, timber, agricultural real estate, and oil and gas assets. We further diversify risk by managing publicly traded equities and alternative
long-duration asset investments against established limits, including for industry type and corporate connection, commercial real estate type and geography, and timber and agricultural property geography and crop type. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Authorities to manage our investment portfolios are delegated to investment professionals who manage to benchmarks derived from the target investment strategies
established for each segment, including interest rate risk tolerances. Interest rate risk exposure measures are monitored and communicated to portfolio managers with frequencies ranging from daily to annually, depending on the type of liability.
Asset portfolio rebalancing, accomplished using cash investments or derivatives, may occur at frequencies ranging from daily to monthly, depending on our established risk tolerances and the potential for changes in the profile of the assets and
liabilities.<B></B> </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our asset liability management strategy incorporates a wide
variety of risk measurement, risk mitigation and risk management, and hedging processes. The liabilities and risks to which the Company is exposed, however, cannot be completely matched or hedged due to both limitations on instruments available in
investment markets and uncertainty of policyholder experience and consequent liability cash flows. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Foreign Exchange Risk Management Strategy
</B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our foreign exchange risk management strategy is designed to hedge the sensitivity of our regulatory capital ratios to movements in foreign exchange
rates. In particular, the objective of the strategy is to offset within acceptable tolerance levels, changes in required capital with changes in available capital that result from movements in foreign exchange rates. These changes occur when assets
and liabilities related to business conducted in currencies other than Canadian dollars are translated to Canadian dollars at period ending exchange rates. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Our policy is to generally match the currency of our assets with the currency of the liabilities they support, and similarly, to generally match the currency of the assets in our shareholders&#146; equity account
to the currency of our required capital. Where assets and liabilities are not matched, forward contracts and currency swaps are used to stabilize our capital ratios and our capital adequacy relative to economic capital, when foreign exchange rates
change. </FONT></P></div> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B></B>Risk exposure limits are measured in terms of potential changes in capital ratios due to foreign exchange rate movements,
determined to represent a specified likelihood of occurrence based on internal models. We utilize a Value-at-Risk (&#147;VaR&#148;) methodology quarterly to estimate the potential impact of currency mismatches on our capital ratios. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">While our risk management strategy is designed to stabilize capital adequacy ratios, the sensitivity of reported shareholders&#146; equity and income to foreign
exchange rate changes is not hedged.<B></B> </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>50</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sensitivities and Risk Exposure Measures </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Variable Annuity and Segregated Fund Guarantees </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Guarantees on variable products and segregated funds may include one or more of death, maturity, income and withdrawal guarantees. Variable annuity and segregated fund guarantees are contingent and only payable
upon the occurrence of the relevant event, if fund values at that time are below guaranteed values. Depending on future equity market levels, liabilities on current in-force business would be due primarily in the period from 2015 to 2038.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We seek to mitigate a portion of the risks embedded in our retained (i.e. net of reinsurance) variable annuity and segregated fund guarantee business
through the combination of our dynamic and macro hedging strategies (see &#147;Publicly Traded Equity Performance Risk&#148; above). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The table below shows selected information regarding the Company&#146;s variable annuity and segregated fund investment related guarantees gross
and net of reinsurance. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Variable annuity and segregated fund guarantees, net of reinsurance </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Guarantee</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">value</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fund value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Amount</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">at&nbsp;risk<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4),(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Guarantee</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">value</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fund value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Amount</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">at risk<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4),(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Guaranteed minimum income benefit<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,194</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,161</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,109</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,581</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,958</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Guaranteed minimum withdrawal benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>66,189</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>63,849</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,120</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">65,481</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Guaranteed minimum accumulation benefit</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16,942</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,380</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21,468</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,383</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross living benefits<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>89,325</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>89,591</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,323</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">92,442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">85,085</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross death
benefits<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,490</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,230</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,413</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,316</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,622</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,206</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total gross of reinsurance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;101,815</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;100,821</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;6,736</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;105,758</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;95,707</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;12,402</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Living benefits reinsured</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,422</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,544</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>942</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,780</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Death benefits reinsured</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,601</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,465</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>564</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,673</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,140</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">709</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total reinsured</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,023</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,009</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,453</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,498</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,136</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total, net of reinsurance</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>92,792</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>92,812</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,230</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">96,305</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">88,209</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,266</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Contracts with guaranteed long-term care benefits are included in this category. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Where a policy includes both living and death benefits, the guarantee in excess of the living benefit is included in the death benefit category.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Death benefits include stand-alone guarantees and guarantees in excess of living benefit guarantees where both death and living benefits are provided on a
policy. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Amount at risk (in-the-money amount) is the excess of guarantee values over fund values on all policies where the guarantee value exceeds the fund value. This
amount is not currently payable. For guaranteed minimum death benefit, the amount at risk is defined as the current guaranteed minimum death benefit in excess of the current account balance. For guaranteed minimum income benefit, the amount at risk
is defined as the excess of the current annuitization income base over the current account value. For all guarantees, the amount at risk is floored at zero at the single contract level. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The amount at risk net of reinsurance at December&nbsp;31, 2013 was $5,230 million (2012 &#150; $10,266 million) of which: US$3,124 million (2012 &#150; US$5,452
million) was on our U.S. business, $1,248 million (2012 &#150; $2,354 million) was on our Canadian business, US$335 million (2012 &#150; US$2,094 million) was on our Japan business and US$285 million (2012 &#150; US$407 million) was related to Asia
(other than Japan) and our run-off reinsurance business. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The amount at risk on variable annuity contracts, net of reinsurance was $5.2
billion at December&nbsp;31, 2013 compared with $10.3 billion at December&nbsp;31, 2012. The decrease was driven by the increase in equity markets. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The policy liabilities established for variable annuity and segregated fund guarantees were $1,197 million at December&nbsp;31, 2013 (December 31, 2012 - $7,948 million). For non-dynamically hedged business, policy
liabilities declined from $2,695 million at December&nbsp;31, 2012 to $589 million at December&nbsp;31, 2013. For the dynamically hedged business, the policy liabilities declined from $5,253 million at December&nbsp;31, 2012 to $608 million at
December&nbsp;31, 2013. The decrease in the total policy liabilities for variable annuity and segregated fund guarantees is mainly due to the significant increase in equity markets in 2013, and in the case of dynamically hedged business, is also due
to the increase in swap rates in 2013. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment categories for variable contracts with guarantees </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:6px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Variable contracts with guarantees are invested, at the policyholder&#146;s discretion subject to contract limitations, in various fund types within the segregated fund accounts and other investments. The account
balances by investment category are set out below. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment category</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,968</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">32,752</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balanced funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>59,198</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">57,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bond funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,418</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Money market funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,255</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Other fixed interest rate investments<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,601</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,378</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;111,440</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;104,333</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> </div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>51</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Caution Related to Sensitivities</B> <B> </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In the sections that follow, we provide sensitivities and risk exposure measures for certain risks. These include sensitivities due to specific changes in market prices and interest rate levels projected using
internal models as at a specific date, and are measured relative to a starting level reflecting the Company&#146;s assets and liabilities at that date and the actuarial factors, investment activity and investment returns assumed in the determination
of policy liabilities. The risk exposures measure the impact of changing one factor at a time and assume that all other factors remain unchanged. Actual results can differ significantly from these estimates for a variety of&nbsp;reasons including
the interaction among these factors when more than one changes; changes in actuarial and investment return and future investment activity assumptions; actual experience differing from the assumptions, changes in business mix, effective tax rates and
other market factors; and the general limitations of our internal models. For these reasons, the sensitivities should only be viewed as directional estimates of the underlying sensitivities for the respective factors based on the assumptions
outlined below. Given the nature of these calculations, we cannot provide assurance that the actual impact on net income attributed to shareholders </FONT></P></div>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">or on MLI&#146;s MCCSR ratio will be as indicated. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Publicly
Traded Equity Performance Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B></B>As at December&nbsp;31, 2013, we estimate that approximately 64 per cent to 82&nbsp;per cent of our underlying
earnings sensitivity to a 10&nbsp;per cent decline in equity markets would be offset by hedges, compared with 72 per cent to 83&nbsp;per cent at December&nbsp;31, 2012. The upper end of the range assumes the performance of the dynamic hedging
program would completely offset the loss from the dynamically hedged variable annuity guarantee liabilities and that the macro-hedge assets are rebalanced in line with the market changes. The lower end of the range assumes that there is not a
complete offset due to our practices of not hedging the provisions for adverse deviation and rebalancing equity hedges in the dynamic program at five per cent intervals, and that the macro-hedge assets are rebalanced in line with market changes.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As outlined above, the macro hedging strategy is designed to mitigate public equity risk arising from variable annuity guarantees not dynamically hedged
and from other products and fees. In addition, our variable annuity guarantee dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks associated with the guarantees embedded in these
products.<B></B> </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The tables below show the potential impact on net income attributed to shareholders resulting from an immediate 10, 20 and 30&nbsp;per cent change in market values of publicly traded equities followed by a return
to the expected level of growth assumed in the valuation of policy liabilities, including embedded derivatives. The potential impact is shown after taking into account the impact of the change in markets on the hedge assets. While we cannot reliably
estimate the amount of the change in dynamically hedged variable annuity guarantee liabilities that will not be offset by the profit or loss on the dynamic hedge assets, we make certain assumptions for the purposes of estimating the impact on
shareholders&#146; net income. The potential impact is shown assuming: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">First that the change in value of the hedge assets completely offsets the change in the dynamically hedged variable annuity guarantee liabilities including the provisions for
adverse deviation; and </FONT></TD></TR></TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Second that the change in value of the dynamically hedged variable annuity guarantee liabilities is not completely offset, including the assumption that the provision for adverse
deviation is not offset and that the hedge assets are based on the actual position at the period end. In addition, we assume that we increase our macro equity hedges in negative market shock scenarios and reduce macro equity hedges in positive
market shock scenarios. </FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">It is also important to note that these estimates are illustrative, and that the hedging
program may underperform these estimates, particularly during periods of high realized volatility and/or periods where both interest rates and equity market movements are unfavourable. </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders arising from changes to public
equity
returns<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<B>
</B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">-30%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">-20%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">-10%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Underlying sensitivity to net income attributed to
shareholders</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(960</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">610</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,060</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset based fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund equity
investments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(420</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(280</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(130</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">140</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">280</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">430</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total underlying sensitivity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(4,850</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(2,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>860</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,550</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,120</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Impact of hedge assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of macro-hedge assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">510</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of dynamic hedge assets assuming the change in the value of the hedge assets completely
offsets the change in the dynamically hedged variable annuity guarantee liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,370</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,900</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(550</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(960</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,250</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total impact of hedge assets assuming the change in value of the dynamic hedge assets completely
offsets the change in the dynamically hedged variable annuity guarantee liabilities</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,380</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,410</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>980</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(720</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,210</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,580</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net impact assuming the change in the value of the hedged assets completely offsets the change in the dynamically hedged variable
annuity guarantee liabilities</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(470</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(390</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(220</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>140</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>340</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>540</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net impact of assuming that the provisions for adverse deviation for dynamically hedged liabilities
are not offset and that the hedging program rebalances at 5% market intervals<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(870</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(530</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(210</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">40</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">50</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">70</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net impact assuming the change in value of the dynamic hedge assets does not completely offset
the change in the dynamically hedged variable annuity guarantee liabilities, as described above</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,340</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(920</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(430</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>180</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>390</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>610</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Percentage of underlying earnings sensitivity to movements in equity markets that is offset by hedges if dynamic hedge assets completely
offset the change in the dynamically hedged variable annuity guarantee liability</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>90%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>86%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>84%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>78%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>75%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Percentage of underlying earnings sensitivity to movements in equity markets that is offset by
hedge assets if dynamic hedge assets do not completely offset the change in the dynamically hedged variable annuity guarantee liability</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>72%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>67%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>79%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>75%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>71%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined as earnings sensitivity to a change in public equity markets including settlements on reinsurance contracts, but before the offset of hedge assets or
other risk mitigants. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This impact for general fund equities is calculated as at a point-in-time and does not include: (i)&nbsp;any potential impact on public equity weightings;
(ii)&nbsp;any gains or losses on public equities held in the Corporate and Other segment; or (iii)&nbsp;any gains or losses on public equity investments held in Manulife Bank. The participating policy funds are largely self-supporting and generate
no material impact on net income attributed to shareholders as a result of changes in equity markets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes the impact of rebalancing equity hedges in the macro hedging program. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantee liability includes the best estimate liabilities and associated provisions for adverse deviation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Represents the impact of rebalancing equity hedges for dynamically hedged variable annuity guarantee liabilities at five per cent market intervals. Also
represents the impact of changes in markets on provisions for adverse deviation that are not hedged, but does not include any impact in respect of other sources of hedge ineffectiveness e.g. fund tracking, realized volatility and equity, interest
rate correlations different from expected among other factors. </FONT></P></TD></TR></TABLE></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>53</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders arising from changes to public
equity
returns<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<B>
</B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-30%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-20%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-10%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">10%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">20%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">30%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Underlying sensitivity to net income attributed to
shareholders<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4</SUP></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">)</SUP>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4</SUP></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">)</SUP>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(5,640</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,510</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,930</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset based fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund equity
investments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(380</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(260</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(130</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">120</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">230</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total underlying sensitivity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(6,290</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(3,950</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,800</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,470</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,630</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,550</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Impact of hedge assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of macro hedged assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,340</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of dynamic hedge assets assuming the change in the value of the hedge assets completely
offsets the change in the dynamically hedged variable annuity guarantee liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,070</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,890</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">820</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,010</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total impact of hedge assets assuming the change in value of the dynamic hedge assets completely
offsets the change in the dynamically hedged variable annuity guarantee liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,080</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,230</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,490</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,270</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,170</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,880</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net impact assuming the change in the value of the hedged assets completely offsets the change in the dynamically hedged variable
annuity guarantee liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(720</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of assuming that the provisions for adverse deviation for dynamically hedged liabilities are
not offset and that the hedging program rebalances at 5% market intervals<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(710</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(470</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(190</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(40</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(70</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net impact assuming the change in value of the dynamic hedge assets does not completely offset
the change in the dynamically hedged variable annuity guarantee liabilities, as described above<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,920</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,190</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">190</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">420</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Percentage of underlying earnings sensitivitiy to movements in equity markets that is offset by hedges if dynamic hedge assets
completely offset the change in the dynamically hedged variable annuity guarantee liability</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">81%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">82%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">86%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">81%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Percentage of underlying earnings sensitivity to movements in equity markets that is offset by
hedge assets if dynamic hedge assets do not completely offset the change in the dynamically hedged variable annuity guarantee liability<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">69%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">70%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">72%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">87%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">84%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined as earnings sensitivity to a change in public equity markets including settlements on reinsurance contracts, but before the offset of hedge assets or
other risk mitigants. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This impact for general fund equities is calculated as at a point-in-time and does not include: (i)&nbsp;any potential impact on public equity weightings;
(ii)&nbsp;any gains or losses on public equities held in the Corporate and Other segment; or (iii)&nbsp;any gains or losses on public equity investments held in Manulife Bank. The participating policy funds are largely self-supporting and generate
no material impact on net income attributed to shareholders as a result of changes in equity markets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The numbers above were restated to reflect the fact that in the first quarter of 2013, we refined our assumptions with respect to the amount of macro hedge
offsets in the above calculation. We now assume that we reduce equity hedges in our macro hedging program under positive market shock scenarios. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantee liability includes the best estimate liabilities and associated provisions for adverse deviation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Represents the impact of rebalancing equity hedges for dynamically hedged variable annuity guarantee liabilities at five per cent market intervals. Also
represents the impact of changes in markets on provisions for adverse deviation that are not hedged, but does not include any impact in respect of other sources of hedge ineffectiveness e.g. fund tracking, realized volatility and equity, interest
rate correlations different from expected among other factors. </FONT></P></TD></TR></TABLE></div> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B></B>Changes in equity markets impact our available and
required components of the MCCSR ratio. The following table shows the potential impact to MLI&#146;s MCCSR ratio resulting from changes in public equity market values, assuming that the change in the value of the hedge assets does not completely
offset the change of the related variable annuity guarantee liabilities. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on MLI&#146;s MCCSR ratio arising
from public equity returns different than the expected return for policy liability valuation</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="2"><B> </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact on MLI MCCSR ratio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Percentage points</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">-30%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">-20%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">-10%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">+10%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">+20%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">+30%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>December&nbsp;31, 2013</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;31, 2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. In addition, estimates exclude changes to the net actuarial gains/losses with respect to the
Company&#146;s pension obligations as a result of changes in equity markets, as the impact on the quoted sensitivities is not considered to be material. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The potential impact is shown assuming that the change in value of the hedge assets does not completely offset the change in the dynamically hedged variable
annuity guarantee liabilities. The estimated amount that would not be completely offset relates to our practices of not hedging the provisions for adverse deviation and of rebalancing equity hedges for dynamically hedged variable annuity liabilities
at five per cent intervals. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The favourable impact on the capital ratio to positive equity shocks at December&nbsp;31, 2013 reflects
the fact that the required capital on segregated fund guarantees is at the level at which any additional gains can be immediately reflected in the ratio and do not need to be brought in on a smoothed basis.<B></B> </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <div style="width:100%;margin-left:0%; margin-right:0%;background-color:#eaeaea;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The following table shows the notional value of shorted equity futures contracts utilized for our variable annuity guarantee dynamic hedging and our macro equity risk hedging strategies. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Notional value of shorted equity futures contracts </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B></B>(C$ millions)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">For variable annuity guarantee dynamic hedging
strategy<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;7,500</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">For macro equity risk hedging strategy</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,800</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;9,500</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;17,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Reflects net short and long positions for exposures to similar exchanges. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The equity futures notional required for the macro hedging program decreased by $5.8 billion during 2013. The decrease related to normal
rebalancing to maintain our desired equity market risk position and to incorporate transfers to the dynamic hedging program. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Interest Rate and
Spread Risk </B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table shows the potential impact on net income attributed to shareholders of a change of one per cent, in current government, swap and
corporate rates for all maturities across all markets with no change in credit spreads between government, swap and corporate rates, and with a floor of zero on government rates, relative to the rates assumed in the valuation of policy liabilities,
including embedded derivatives. We also assume no change to the URR. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px;"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on annual net income attributed to shareholders of an
immediate one per cent parallel change in interest rates relative to rates assumed in the valuation of policy
liabilities</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2),(3),(4)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B> </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General fund products<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity
guarantees<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. In addition, estimates exclude changes to the net actuarial gains/losses with respect to the
Company&#146;s pension obligations as a result of changes in interest rates, as the impact on the quoted sensitivities is not considered to be material. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Sensitivities are based on projected asset and liability cash flows at the beginning of the fourth quarter adjusted for the estimated impact of new business,
investment markets and asset trading during the quarter. Any true-up to these estimates, as a result of the final asset and liability cash flows to be used in the next quarter&#146;s projection, are reflected in the next quarter&#146;s
sensitivities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The participating policy funds are largely self-supporting and generate no material
impact on net income attributed to shareholders as a result of changes in interest rates. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">For general fund adjustable benefit products subject to minimum rate guarantee, the sensitivities are based on the assumption that credited rates are floored at
the minimum. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">At December&nbsp;31, 2013, we estimated the sensitivity of our net income attributed to shareholders to a 100 basis point
parallel decline in interest rates to be a charge of $400 million, and to a 100 basis point increase in interest rates to be close to nil. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The 100 basis
point parallel change includes a change of one per cent in current government, swap and corporate rates for all maturities across all markets with no change in credit spreads between government, swap and corporate rates, and with a floor of zero on
government rates and corporate spreads, relative to the rates assumed in the valuation of policy liabilities, including embedded derivatives. As the sensitivity to a 100 basis point change in interest rates includes any associated change in the
applicable prescribed reinvestment scenarios, the impact of changes to interest rates for less than, or more than, the amounts indicated are unlikely to be linear. Furthermore the reinvestment scenario changes tend to amplify the negative effects of
a decrease in interest rates, and dampen the positive effects of interest rate increases. For variable annuity guarantee liabilities that are dynamically hedged, it is assumed that interest rate hedges are rebalanced at 20 basis point intervals.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The potential impact on annual net income attributed to shareholders provided in the table above does not allow for any future
potential changes to the URR assumptions or other potential impacts of lower interest rate levels, for example, increased strain on the sale of new business, lower interest earned on our surplus assets, or updates to actuarial assumptions related to
variable annuity bond fund calibration. It also does not reflect any impact arising from the sale of fixed income assets held in our surplus segment. Changes in the market value of these assets may provide a natural economic offset to the interest
rate risk arising from our product liabilities. In order for there to also be an accounting offset, the Company would need to realize a portion of the AFS fixed income asset unrealized gains or losses. It is not certain we would crystallize any of
the unrealized gains or losses available. As at December&nbsp;31, 2013, the AFS fixed income assets held in the surplus segment were in a net after-tax unrealized loss position of $103 million (gross after-tax unrealized gains were $301 million and
gross after-tax unrealized losses were $404 million). </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>55</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <div style="width:100%;margin-left:0%; margin-right:0%;background-color:#eaeaea;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The following table shows the potential impact on net income attributed to shareholders including the change in the market value of fixed income assets held in our surplus segment, which could be realized through
the sale of these assets. </FONT></P></div> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders and MLI&#146;s MCCSR ratio of an
immediate one per cent parallel change in interest rates relative to rates assumed in the valuation of policy liabilities<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2),(3),(4)<B></B>,(5)<B></B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR BGCOLOR="#e5e5e5">
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#e5e5e5">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+100bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders</B> (C$ millions):</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Excluding change in market value of AFS fixed income assets held in the surplus segment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">From fair value changes in AFS fixed income assets held in surplus, if realized</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>MLI&#146;s MCCSR ratio</B> (Percentage points):</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Before impact of change in market value of AFS fixed income assets held in the surplus segment<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">From fair value changes in AFS fixed income assets held in surplus, if
realized<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#eaeaea;padding-top:2px;padding-bottom:3px">
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. In addition, estimates exclude changes to the net actuarial gains/losses with respect to the
Company&#146;s pension obligations as a result of changes in interest rates, as the impact on the quoted sensitivities is not considered to be material. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes guaranteed insurance and annuity products, including variable annuity contracts as well as adjustable benefit products where benefits are generally
adjusted as interest rates and investment returns change, a portion of which have minimum credited rate guarantees. For adjustable benefit products subject to minimum rate guarantees, the sensitivities are based on the assumption that credited rates
will be floored at the minimum. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The amount of gain or loss that can be realized on AFS fixed income assets held in the surplus segment will depend on the aggregate amount of unrealized gain or
loss. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Sensitivities are based on projected asset and liability cash flows at the beginning of the quarter adjusted for the estimated impact of new business, investment
markets and asset trading during the quarter. Any true-up to these estimates, as a result of the final asset and liability cash flows to be used in the next quarter&#146;s projection, are reflected in the next quarter&#146;s sensitivities. Impact of
realizing 100% of market value of AFS fixed income is as of the end of the quarter. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The participating policy funds are largely self-supporting and generate no material impact on net income attributed to shareholders as a result of changes in
interest rates. </FONT></P></TD></TR></TABLE></div>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP><B></B></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impact on MLI&#146;s MCCSR ratio includes both the impact of lower earnings on available capital as well as the increase in required capital that results
from a decline in interest rates. The potential increase in required capital accounted for 9 of the 13 points impact of a 100 bp decline in interest rates on MLI&#146;s MCCSR ratio in the fourth quarter of 2013.<B></B> </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following tables show the potential impact on net income attributed to shareholders resulting from a change in corporate spreads and swap spreads over
government bond rates for all maturities across all markets with a floor of zero on the total interest rate, relative to the spreads assumed in the valuation of policy liabilities. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders arising from changes to corporate
spreads<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2),(3),(4)
<B></B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-50bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+50bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-50bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+50bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Corporate spreads</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impact on net income attributed to shareholders assumes no gains or losses are realized on our AFS fixed income assets held in the surplus segment and
excludes the impact arising from changes in off-balance sheet bond fund value arising from changes in credit spreads. The participating policy funds are largely self-supporting and generate no material impact on net income attributed to shareholders
as a result of changes in corporate spreads. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Sensitivities are based on projected asset and liability cash flows at the beginning of the fourth quarter adjusted for the estimated impact of new business,
investment markets and asset trading during the quarter. Any true-up to these estimates, as a result of the final asset and liability cash flows to be used in the next quarter&#146;s projection, are reflected in the next quarter&#146;s
sensitivities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate spreads are assumed to grade to the long-term average over five years. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As the sensitivity to a 50 basis point decline in corporate spreads includes the impact of a change in prescribed reinvestment scenarios where
applicable, the impact of changes to corporate spreads for less than, or more than, the amounts indicated are unlikely to be linear. The potential earnings impact of a 50 basis point decline in corporate spreads related to the impact of the scenario
change was not substantial at December&nbsp;31, 2013 and $400 million at December&nbsp;31, 2012, with the difference being the key reason for the decrease in sensitivity during 2013. </FONT></P></div>
<P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders arising from changes to swap spreads</B></FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2),(3) </SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B> </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-20bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+20bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-20bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+20bp</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Swap
spreads</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>See &#147;Caution Related to Sensitivities&#148; above. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impact on net income attributed to shareholders assumes no gains or losses are realized on our AFS fixed income assets held in the surplus segment and
excludes the impact arising from changes in off-balance sheet bond fund value arising from changes in credit spreads. The participating policy funds are largely self-supporting and generate no material impact on net income attributed to shareholders
as a result of changes in swap spreads. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Sensitivities are based on projected asset and liability cash flows at the beginning of the fourth quarter adjusted for the estimated impact of new business,
investment markets and asset trading during the quarter. Any true-up to these estimates, as a result of the final asset and liability cash flows to be used in the next quarter&#146;s projection, are reflected in the next quarter&#146;s
sensitivities. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The sensitivity to a 20 bps decline in swap spreads decreased over the year due to changes in the
amount of interest rate swaps being held. </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>56</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Alternative Long-Duration Asset Performance Risk </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The following table shows the potential impact on net income attributed to shareholders resulting from changes in market values of alternative long-duration assets different than the expected levels assumed in the
valuation of policy liabilities. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders arising from changes in
alternative long-duration asset returns</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2),(3),(4)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B> </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-10%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+10%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-10%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+10%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate, agriculture and timber assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private equities and other alternative long-duration assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(900</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(800</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">700</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Alternative long-duration assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,900</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,700</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This impact is calculated as at a point-in-time impact and does not include: (i)&nbsp;any potential impact on alternative long-duration asset weightings;
(ii)&nbsp;any gains or losses on alternative long-duration assets held in the Corporate and Other segment; or (iii)&nbsp;any gains or losses on alternative long-duration assets held in Manulife Bank. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The participating policy funds are largely self-supporting and generate no material impact on net income attributed to shareholders as a result of changes in
alternative long-duration asset returns. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income impact does not consider any impact of the market correction on assumed future return assumptions. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The increased sensitivity from December&nbsp;31, 2012 to December&nbsp;31, 2013 is primarily related to the increase in market value of the
alternative long-duration assets over the year, due to investment activities and positive investment returns. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Foreign Exchange Risk
</B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company generally matches the currency of its assets with the currency of the insurance and investment contract liabilities they support, with
the objective of mitigating risk of loss arising from currency exchange rate changes. As at December 31, 2013, the Company did not have a material unmatched currency exposure. </FONT></P></div> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The following table shows the impact on core earnings of a 10 per cent change in the Canadian dollar relative to our key operating currencies. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on core earnings<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)<B></B></SUP><B><FONT
STYLE="font-family:ARIAL" SIZE="2"></FONT><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><B></B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2">
</FONT></B></FONT></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+10%<BR>strengthening</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-10%<BR>weakening</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">+10%<BR>strengthening</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">-10%<BR>weakening</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">10% change in the Canadian Dollar relative to the U.S. Dollar and the Hong Kong Dollar</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;(190</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;190</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;(150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">10% change in the Canadian Dollar relative to the Japanese
Yen</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution Related to Sensitivities&#148; above. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Liquidity Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Liquidity risk is the risk of not having access to sufficient funds or liquid assets to
meet both expected and unexpected cash and collateral demands. </I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Key Risk Factors </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Manulife Financial is exposed to liquidity risk in each of our operating companies and in our holding company. In the operating companies, expected cash and collateral demands arise day-to-day to fund anticipated
policyholder benefits, withdrawals of customer deposit balances, reinsurance settlements, derivative instrument settlements/collateral pledging, expenses, investment and hedging activities. Under stressed conditions, unexpected cash and collateral
demands could arise primarily from a change in the level of policyholders either terminating policies with large cash surrender values or not renewing them when they mature, withdrawals of customer deposit balances, borrowers renewing or extending
their loans when they mature, derivative settlements or collateral demands, and reinsurance settlements or collateral demands. </FONT></P></div> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">With the
implementation of the Dodd-Frank bill in the United States, clearing of certain derivatives is now mandatory. The execution of derivative transactions through clearing houses or regulated facilities requires incremental liquidity requirements in the
form of upfront collateral. Additionally, changes in derivative values are required to be settled in cash on a daily basis instead of pledging collateral. However, this will not become significant for Manulife Financial until a large portion of our
derivatives have transitioned to exchanges and market conditions adverse to liquidity (material increases in interest rates and/or equity markets) have been experienced. Other jurisdictions in which Manulife entities operate in are expected to enact
similar regulations within the next two years. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The ability of our holding company to fund its cash requirements depends upon it receiving dividends,
distributions and other payments from our operating subsidiaries. These subsidiaries are generally required to maintain solvency and capital standards imposed by their local regulators and, as a result, may have restrictions on payments which they
may make to MFC. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>57</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the normal course of business, third party banks issue letters of credit on our behalf. In lieu of posting
collateral, our businesses utilize letters of credit for which third parties are the beneficiaries, as well as for affiliate reinsurance transactions between subsidiaries of MFC. Letters of credit and letters of credit facilities must be renewed
periodically. At time of renewal, the Company is exposed to repricing risk and under adverse conditions increases in costs will be realized. In the most extreme scenarios, letters of credit capacity could become constrained due to non-renewals which
would restrict our flexibility to manage capital at the operating company level. This could negatively impact our ability to meet local capital requirements or our sales of products in jurisdictions in which our operating companies have been
affected. Although the Company did not experience any material change in aggregate capacity during the recent global financial crisis, changes in prices and conditions were adverse during the market turbulence. There were no assets pledged against
these outstanding letters of credit as at December&nbsp;31, 2013. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Management Strategy </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#eaeaea;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Global liquidity management policies and procedures are designed to provide adequate liquidity to cover cash and collateral obligations as they come due, and to sustain and grow operations in both normal and
stressed conditions. They take into account any legal, regulatory, tax, operational or economic impediments to inter-entity funding. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We seek to reduce
liquidity risk by diversifying our business across different products, markets, geographical regions and policyholders. We design insurance products to encourage policyholders to maintain their policies in-force, to help generate a diversified and
stable flow of recurring premium income. We design the policyholder termination features of our wealth management products and related investment strategies with the goal of mitigating the financial exposure and liquidity risk related to unexpected
policyholder terminations. We establish and implement investment strategies intended to match the term profile of the assets to the liabilities they support, taking into account the potential for unexpected policyholder terminations and resulting
liquidity needs. Liquid assets represent a large portion of our total assets. We aim to reduce liquidity risk in our deposit funded businesses by diversifying our funding sources and appropriately managing the term structure of our funding. We
forecast and monitor daily operating liquidity and cash movements in various individual entities and operations as well as centrally, aiming to ensure liquidity is available and cash is employed optimally. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We also maintain centralized cash pools and access to other sources of liquidity such as repurchase funding agreements. Our centralized cash pool consists of cash
or near-cash, high quality short-term investments that are continually monitored for their credit quality and market liquidity. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Through the normal
course of business, pledging of assets is required to comply with jurisdictional regulatory and other requirements including collateral pledged to mitigate derivative counterparty credit risk, assets pledged to exchanges as initial margin and assets
held as collateral for repurchase funding agreements. Total unencumbered assets were $269.4 billion as at December&nbsp;31, 2013 (2012&nbsp;&#150; $274.4 billion). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We manage the asset mix of our balance sheet taking into account the need to hold adequate unencumbered and appropriate liquid assets to satisfy the potential additional requirements arising under stressed
scenarios and to allow our liquidity ratios to remain strong. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table outlines the maturity of the Company&#146;s
significant financial liabilities. </FONT></P></div> <P STYLE="margin-top:14px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Maturity of financial liabilities</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B> </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px">
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Less than</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1 year</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">1&nbsp;to&nbsp;3&nbsp;years</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">3&nbsp;to&nbsp;5&nbsp;years</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Over</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5 years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,235</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;413</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;4,775</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,041</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,041</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>484</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>357</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>328</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,760</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,929</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;15,311</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,848</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,710</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;19,869</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Lease obligations</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>174</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>420</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>795</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The amounts shown above are net of the related unamortized deferred issue costs. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Class&nbsp;A preferred shares, Series 1 are redeemable by the Company by payment of cash or issuance of MFC common shares and are convertible at the option of
the holder into MFC common shares on or after December&nbsp;15, 2015. These shares have not been included in the above table. </FONT></P></TD></TR></TABLE></div>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Exposure Measures </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#e5e5e5;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Consolidated group operating and strategic liquidity levels are managed against established minimums. We set minimum operating liquidity above the level of the highest one month&#146;s operating cash outflows
projected over the next 12 months. We measure strategic liquidity under both immediate (within one month) and ongoing (within one year) stress scenarios. Our policy is to maintain the ratio of adjusted liquid assets to adjusted policy liabilities at
or above a pre-established limit. Adjusted liquid assets include unencumbered cash and short-term investments, and marketable bonds and stocks that are discounted to reflect convertibility to cash, net of maturing debt obligations. Policy
liabilities are adjusted to reflect their potential for withdrawal. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px;padding-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In addition to managing the consolidated liquidity levels, each
entity maintains sufficient liquidity to meet its standalone demands. </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>58</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B></B>Our strategic liquidity ratios are provided in the following table. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unless otherwise stated)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Immediate<BR>Scenario</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Ongoing<BR>Scenario</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Immediate<BR>Scenario</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Ongoing<BR>Scenario</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjusted liquid assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;118,358</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;117,350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;123,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;122,955</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjusted policy liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>26,550</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>34,250</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liquidity ratio</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>446%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>343%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">477%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">364%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January 1, 2013. For a detailed description of
the change see note 2 to the Consolidated Financial Statements.<B></B> </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#eaeaea;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:0px;margin-bottom:0px;padding-top:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Additionally, the market value of our derivative portfolio is periodically stress tested based on market shocks to assess the potential collateral and cash settlement requirements under stressed conditions.
Increased use of derivatives for hedging purposes has necessitated greater emphasis on measurement and management of contingent liquidity risk. Comprehensive liquidity stress testing measures, on an integrated basis, the impact of market shocks on
derivative collateral and margin requirements, reserve requirements, reinsurance settlements, policyholder behaviour and the market value of eligible liquid assets. Stressed liquidity ratios are measured against established limits. </FONT></P></div>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife Bank has a standalone liquidity risk management policy framework. The framework includes stress testing, cash flow modeling, a funding plan and a
contingency plan. The bank has an established securitization infrastructure which enables the bank to access a range of funding and liquidity sources. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Credit Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Credit risk is the risk of loss due to
the inability or unwillingness of a borrower or counterparty to fulfill its payment obligations. </I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Key Risk Factors </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Worsening or continued poor economic conditions could result in borrower or counterparty defaults or downgrades, and could lead to increased provisions or
impairments related to our general fund invested assets and off-balance sheet derivative financial instruments, and an increase in provisions for future credit impairments to be included in our policy liabilities. Any of our reinsurance providers
being unable or unwilling to fulfill their contractual obligations related to the liabilities we cede to them could lead to an increase in policy liabilities. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Risk Management Strategy </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has established objectives for overall quality and diversification of our
general fund investment portfolio and criteria for the selection of counterparties, including derivative counterparties, reinsurers and insurance providers. Our policies establish exposure limits by borrower, corporate connection, quality rating,
industry, and geographic region, and govern the usage of credit derivatives. Corporate connection limits vary according to risk rating. Our general fund fixed income investments are primarily investment grade bonds and commercial mortgages. While we
have minimal exposure to credit default swaps, we have a program for selling Credit Default Swaps (&#147;CDS&#148;) that employs a highly selective, diversified and conservative approach. All CDS decisions will follow the same underwriting standards
as our cash bond portfolio and we believe the addition of this asset class will allow us to better diversify our overall credit portfolio. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our credit
granting units follow a defined evaluation process that provides an objective assessment of credit proposals. We assign each investment a risk rating based on a detailed examination of the borrower that includes a review of business strategy, market
competitiveness, industry trends, financial strength, access to funds, and other risks facing the organization. We assess and update risk ratings regularly, based on a standardized 22-point scale consistent with those of external rating agencies.
For additional input to the process, we also assess credit risks using a variety of industry standard market-based tools and metrics. We map our risk ratings to pre-established probabilities of default and loss given defaults, based on historical
industry and Company experience, and to resulting default costs. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We establish delegated credit approval authorities and make credit decisions on a
case-by-case basis at a management level appropriate to the size and risk level of the transaction, based on the delegated authorities that vary according to risk rating. We refer all major credit decisions to the Transaction and Portfolio Review
Committee and the largest credit decisions to the CEO for approval and, in certain cases, to the Board of Directors. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We limit the types of authorized
derivatives and applications and require pre-approval of all derivative application strategies and regular monitoring of the effectiveness of derivative strategies. Derivative counterparty exposure limits are established based on a minimum
acceptable counterparty credit rating (generally A- from internationally recognized rating agencies). We measure derivative counterparty exposure as net potential credit exposure, which takes into consideration mark-to-market values of all
transactions with each counterparty, net of any collateral held, and an allowance to reflect future potential exposure. Reinsurance counterparty exposure is measured reflecting the level of ceded liabilities. We require all reinsurance
counterparties and insurance providers to meet minimum risk rating criteria. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Regular reviews of the credits within the various portfolios are undertaken
with the goal of identifying changes to credit quality, and where appropriate, taking corrective action. Prompt identification of problem credits is a key objective. Credit Risk Management provides independent credit risk oversight by reviewing
assigned risk ratings, and monitoring problem and potential problem credits. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>59</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We establish an allowance for losses on a loan when it becomes impaired as a result of deterioration in credit
quality, to the extent there is no longer assurance of timely realization of the carrying value of the loan and related investment income. We reduce the carrying value of an impaired loan to its estimated net realizable value when we establish the
allowance. We establish an allowance for losses on reinsurance contracts when a reinsurance counterparty becomes unable or unwilling to fulfill its contractual obligations. We base the allowance for loss on current recoverables and ceded policy
liabilities. There is no assurance that the allowance for losses will be adequate to cover future potential losses or that additional allowances or asset write-downs will not be required. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Policy liabilities include general provisions for credit losses from future asset impairments. We set these conservatively, taking into account average historical levels and future expectations, with a provision
for adverse deviations. Fluctuations in credit default rates and deterioration in credit ratings of borrowers may result in losses if actual rates exceed expected rates. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Throughout the recent challenging credit environment, our credit policies and procedures and investment strategies have remained fundamentally unchanged. Credit exposure in our investment portfolio is managed to
reduce risk and mitigate losses, and derivative counterparty exposure is managed proactively. Defaults and downgrade charges were generally below the historical average in 2013, however, we still expect volatility on a quarterly basis and losses
could potentially rise above long-term expected levels. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Exposure Measures </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013 and December&nbsp;31, 2012, for every 50&nbsp;per cent that credit defaults over the next year exceed the rates provided for in policy liabilities, net income attributed to shareholders
would be reduced by $49 million and $56 million, respectively. Downgrades could also be higher than assumed in policy liabilities resulting in policy liability increases and a reduction in net income. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The table below shows net impaired assets and allowances for loan losses. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Net Impaired Assets and Loan Losses </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions, unless otherwise stated)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net impaired fixed income assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$&nbsp;&nbsp;307</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net impaired fixed income assets as a per cent of total invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.13%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.15%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Allowance for loan losses</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$&nbsp;&nbsp;106</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;89</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance Risk </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Insurance risk is the risk of loss due to actual experience emerging differently than assumed when a product was designed and priced with respect to mortality
and morbidity claims, policyholder behaviour and expenses. </I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Key Risk Factors </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We make a variety of assumptions related to the future level of claims, policyholder behaviour, expenses and sales levels when we design and price products, and when we establish policy liabilities. Assumptions for
future claims are generally based on both Company and industry experience, and assumptions for future policyholder behaviour are generally based on Company experience. Assumptions for future policyholder behaviour include assumptions related to the
retention rates for insurance and wealth products. Losses may result should actual experience be materially different than that assumed in the design, pricing and sale of products. Such losses could have a significant adverse effect on our results
of operations and financial condition. In addition, we periodically review the assumptions we make in determining our policy liabilities and the review may result in an increase in policy liabilities and a decrease in net income attributed to
shareholders. Such assumptions require significant professional judgment, and actual experience may be materially different than the assumptions we make. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Life and health insurance claims may be impacted by the unusual onset of disease or illness, natural disasters, large-scale man-made disasters and acts of
terrorism. The cost of health insurance benefits may also be impacted by unforeseen trends in the incidence, termination and severity rates of claims. The ultimate level of lifetime benefits paid to policyholders may be impacted by unexpected
changes in life expectancy. Policyholder behaviour including premium payment patterns, policy renewals, lapse rates and withdrawal and surrender activity are influenced by many factors including market and general economic conditions, and the
availability and relative attractiveness of other products in the marketplace. For example, a weak or declining economic environment could increase the value of guarantees associated with variable annuities or other embedded guarantees and
contribute to adverse policyholder behaviour experience. As well, adverse claims experience could result from systematic anti-selection, which could arise from the development of investor owned and secondary markets for life insurance policies,
anti-selective lapse behaviour underwriting process failures, or other factors. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We purchase reinsurance protection on certain risks underwritten by our
various business segments. External market conditions determine the availability, terms and cost of the reinsurance protection for new business and, in certain circumstances, the cost of reinsurance for business already reinsured. Accordingly, we
may be forced to incur additional costs for reinsurance or may not be able to obtain sufficient reinsurance on acceptable terms, which could adversely affect our ability to write future business or result in the assumption of more risk with respect
to those policies we issue. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>60</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Management Strategy </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We have established a broad framework for managing insurance risk under our Product Design and Pricing Policy, Underwriting and Claims Management Policy and Reinsurance Risk Management Policy, as well as supporting
global product design and pricing standards and guidelines, and reinsurance guidelines, aimed to help ensure our product offerings align with our risk taking philosophy and risk limits, and achieve acceptable profit margins. These cover: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;product design features</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;use of reinsurance</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;pricing models and software</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;
internal risk-based capital allocations</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;target profit objectives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;pricing methods and assumption setting</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;stochastic and stress scenario testing</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;required documentation</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;review and approval processes</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;
experience monitoring programs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In each business unit, we designate individual pricing officers who are accountable for all pricing activities and chief
underwriters who are accountable for the underwriting activities. Both the pricing officer and the general manager of each business unit approve the design and pricing of each product, including key claims, policyholder behaviour, investment return
and expense assumptions, in accordance with corporate policies and standards. Divisional and Group risk management provides additional oversight and review of all product and pricing initiatives, as well as reinsurance treaties related to new
business. In addition, Group Finance Actuarial approves all policy liability valuation methods, assumptions and in-force reinsurance treaties. We perform annual risk and compliance self-assessments of the product development, pricing, underwriting
and claims activities of all businesses. We also facilitate knowledge transfer between staff working with similar businesses in different geographies in order to leverage best practices. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We utilize a global underwriting manual intended to ensure insurance underwriting practices for direct written life business are consistent across the organization while reflecting local conditions. Each business
unit establishes underwriting policies and procedures, including criteria for approval of risks and claims adjudication policies and procedures. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We
apply retention limits per insured life that are intended to reduce our exposure to individual large claims which are monitored in each business unit. These retention limits vary by market and jurisdiction. We reinsure exposure in excess of these
limits with other companies. Our current global retention limit is US$30 million for a single life (US$35 million for survivorship life policies) and is shared across businesses. We apply lower limits in some markets and jurisdictions. We aim to
further reduce exposure to claims concentrations by applying geographical aggregate retention limits for certain covers. Enterprise-wide, we aim to reduce the likelihood of high aggregate claims by operating internationally and insuring a wide range
of unrelated risk events. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s aggregate exposure to each of policyholder behaviour risk and claims risk are managed against
enterprise-wide economic capital and earnings at risk limits. The policyholder behaviour risk limits cover the combined risk arising from policyholder policy lapses and surrenders, withdrawals and other policyholder driven activity. The claims risk
limits cover the combined risk arising from mortality, longevity and morbidity. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Internal experience studies, as well as trends in our experience and
that of the industry, are monitored to update current and projected claims and policyholder behaviour assumptions, resulting in updates to policy liabilities as appropriate. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We continue to seek state regulatory approvals for price increases on existing long-term care business in the United States. We cannot be certain whether or when each approval will be granted. Our policy
liabilities reflect our estimates of the impact of these price increases, but should we be less successful than anticipated in obtaining them, then policy liabilities would increase accordingly. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Operational Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Operational risk is the risk of loss
resulting from inadequate or failed internal processes, risk management policies and procedures, systems failures, human performance failures or from external events. </I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Key Risk Factors </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Operational risk is naturally present in all of our business activities and encompasses a
broad range of risks, including regulatory compliance failures, legal disputes, technology failures, business interruption, information security and privacy breaches, human resource management failures, processing errors, modelling errors, business
integration, theft and fraud, and damage to physical assets. Exposures can take the form of financial losses, regulatory sanctions, loss of competitive positioning, or damage to our reputation. Operational risk is also embedded in all the practices
we use to manage other risks; therefore, if not managed effectively, operational risk can impact our ability to manage other key risks such as credit risk, market risk, liquidity risk and insurance risk. While operational risk can never be fully
eliminated, it can be managed to reduce exposure to financial loss, reputational harm or regulatory sanctions. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk Management Strategy
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our corporate governance practices, corporate values, and integrated enterprise-wide approach to managing risk set the foundation for mitigating
operational risks. This base is further strengthened by internal controls and systems, compensation programs, and seeking to hire and retain trained and competent people throughout the organization. We align compensation programs with business
strategy, long-term shareholder value and good governance practices, and we benchmark these compensation practices against peer companies. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We have an
enterprise operational risk management framework that sets out the processes we use to identify, assess, manage, mitigate and report on significant operational risk exposures. Execution of our operational risk management strategy focuses on change
management and working to achieve a cultural shift toward greater awareness and understanding of operational risk. We have an Operational Risk Committee (&#147;ORC&#148;), a sub-committee of the ERC, which is the main decision-making committee for
all </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>61</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
operational risk matters with oversight responsibility for operational risk strategy, management and governance. We have enterprise-wide risk management programs for specific operational risks
that could materially impact our ability to do business or impact our reputation. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Through our corporate insurance program, we transfer a portion of our
operational risk exposure by purchasing global and local insurance coverage that provides some protection against unexpected material losses resulting from events such as criminal activity, property loss or damage, and liability exposures. We also
purchase certain insurance to satisfy legal requirements and/or contractual obligations. We determine the nature and amount of insurance coverage we purchase centrally, considering our enterprise-wide exposures and risk tolerances. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following is a further description of key operational risk factors with associated management strategies. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Legal and Regulatory Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In addition to the regulatory and
capital requirements described under Strategic Risk, the Company is subject to extensive regulatory oversight by insurance and financial services regulators in the jurisdictions in which we conduct business. While many of these laws and regulations
are intended to protect policyholders, beneficiaries, depositors and investors in our products and services, others also set standards and requirements for the governance of our operations. Failure to comply with applicable laws or regulations could
result in financial penalties or sanctions, and damage our reputation. We are also regularly involved in litigation, both as a plaintiff or defendant, which could result in an unfavourable resolution. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Global Compliance oversees our regulatory compliance program and function, supported by designated Chief Compliance Officers in every Division. The program is
designed to promote compliance with regulatory obligations worldwide and to assist in making the Company aware of the laws and regulations that affect us, and the risks associated with failing to comply. Divisional compliance groups monitor emerging
legal and regulatory issues and changes, and prepare us to address new requirements. Global Compliance also independently assesses and monitors the effectiveness of a broad range of regulatory compliance processes and business practices against
potential legal, regulatory, fraud and reputation risks, and helps to ensure significant issues are escalated and proactively mitigated. Among these processes and business practices are: privacy (i.e. handling of personal and other confidential
information), sales and marketing practices, sales compensation practices, asset management practices, fiduciary responsibilities, employment practices, underwriting and claims processing, product design, and regulatory filings. In addition, we have
policies, processes and controls in place to help protect the Company, our customers and other related third parties from acts of fraud and from risks associated with money laundering and terrorist financing. Audit Services, Global Compliance and
divisional compliance personnel periodically assess the effectiveness of the control environment. For further discussion of government regulation and legal proceedings, refer to &#147;Government Regulation&#148; and &#147;Legal Proceedings&#148; in
our most recent Annual Information Form. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Technology, Information Security and Business Continuity Risks </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Technology is used in virtually all aspects of our business and operations. Our technology infrastructure, information services and applications are governed and
managed according to standards for operational integrity, resiliency, data integrity, confidentiality and information security policies, standards and controls. Disruption due to system failure, security breach (including cyber attacks), privacy
breaches, human errors, natural disasters, man-made disasters, criminal activity, fraud or global crisis may occur and have adverse consequences for our business. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We have an enterprise-wide business continuity and disaster recovery program which is overseen by the Chief Information Security Officer. This includes policies, plans and procedures to minimize the impact of
natural or man-made disasters, and is designed to ensure that key business functions can continue normal operations in the event of a major disruption. Each business unit is accountable for preparing and maintaining detailed business continuity
plans and processes. The global program incorporates periodic scenario analysis designed to validate the assessment of both critical and non-critical units, as well as the establishment and testing of appropriate business continuity plans for all
critical functions. The business continuity team establishes and regularly tests crisis management plans and global crisis communications protocols. We maintain off-site backup facilities and failover capability designed to minimize downtime and
accelerate system recovery. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Information security breaches could occur and may result in inappropriate disclosure or use of personal and confidential
information. To mitigate this risk, we have an enterprise-wide information security program which is overseen by the Chief Information Security Officer. This program establishes the information security framework for the Company, including
governance, policies and standards, and appropriate controls to protect information and computer systems. We also have annual security awareness training sessions for all employees. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Privacy breaches could occur and may result in the unauthorized disclosure or use of private and confidential information. Many jurisdictions in which we operate are implementing more stringent privacy legislation.
To manage this risk, we have a global privacy program which is overseen by the Chief Privacy Officer. This program includes policies and standards, ongoing monitoring of emerging privacy legislation, and a network of privacy officers. Processes have
been established to provide guidance on handling personal information and for reporting privacy incidents and issues to appropriate management for response and resolution. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Human Resource Risks </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We compete with other insurance companies and financial institutions for qualified
executives, employees and agents. Competition for the best people is intense and an inability to recruit qualified individuals may negatively impact our ability to execute on business strategies or to conduct our operations. We have a number of
human resource policies, practices and programs in place to manage these risks, including recruiting programs at every level of the organization, training and development programs, and competitive compensation programs that are designed to attract,
motivate and retain high-performing employees. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>62</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Model Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our
reliance on highly complex models for pricing, valuation and risk measurement, and for input to decision making, is increasing. Consequently, the risk of inappropriate use or interpretation of our models or their output, or the use of deficient
models, data or assumptions is growing. Our model risk oversight program includes processes intended to ensure that our critical business models are conceptually sound, used as intended, and to assess the appropriateness of the calculations and
outputs. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Third Party Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company relies on
third parties to provide many different types of services. Should these third parties fail to deliver services in compliance with contractual or other service arrangements, our business may be adversely impacted. Our governance framework to address
third party risk includes appropriate policies (such as our Outsourcing Policy), standards and procedures, and monitoring of ongoing results and contractual compliance of third party arrangements. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Project Risk </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">To ensure that key projects are successfully
implemented and monitored by management, we have a Global Project Management Centre of Expertise, which is responsible for establishing policies and standards for project management. Our policies, standards and practices are regularly benchmarked
against leading practices. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Environmental Risk </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our Environmental Policy reflects the Company&#146;s commitment to conducting all business activities in a manner that recognizes the need to preserve the quality
of the natural environment. Environmental Procedures have been designed to manage environmental risk and to achieve compliance with all applicable environmental laws and regulations for business units, affiliates and subsidiaries. Environmental risk
may originate from investment properties that are subject to natural or man-made environmental risk. The environmental risk may result from on-site or off-site (adjacent) due to migration of regulated pollutants or contaminates with financial or
reputational environmental risk and liability consequences by virtue of strict liability. Real estate assets may be owned, leased and/or managed, as well as mortgaged by Manulife Financial who might enter into the chain of liability due to
foreclosure ownership when in default. Environmental risk could also arise from natural disasters (e.g., weather, fire, earthquake, floods, pests) or human activities (use of chemicals, pesticides) conducted within the site or when impacted from
adjacent sites. To mitigate environmental risk, protocols and due diligence standards within the business units identify environmental issues in advance of acquisition. Historical and background investigation and subsequent soil and ground water
subsurface testing may be conducted as required to assess manageable environmental risk. Regular property inspections and limitations on permitted activities further manage environmental liability or financial risk. Other potentially significant
financial risks for individual assets, such as fire and earthquake, have generally been insured where practicable. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Additional Risk Factors That May
Affect Future Results </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Medical advances and legislation related to genetic testing could adversely impact our underwriting abilities. Current or
future global legislation in jurisdictions where Manulife operates may restrict its right to underwrite based on access to genetic test results. Without the obligation of disclosure, the asymmetry of information shared between applicant and insurer
could increase anti-selection in both new business and in-force policyholder behaviour. The impact of restricting insurers&#146; access to this information and the associated problems of anti-selection becomes more acute where genetic technology
leads to advancements in diagnosis of life threatening conditions that are not matched by improvements in treatment. We cannot predict the potential financial impact that this would have on the Company or the industry as a whole. In addition, there
may be further unforeseen implications as genetic testing continues to evolve and becomes more established in mainstream medical practice. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Canadian
Accounting Standards Board makes changes to the financial accounting and reporting standards that govern the preparation of our financial statements. These changes may be difficult to anticipate and may materially impact how we record and present
our financial condition and results of operations. As discussed under &#147;Critical Accounting and Actuarial Policies&#148;, the preparation of financial statements requires management to make estimates and assumptions that affect the reported
amounts and disclosures made in the financial statements and accompanying notes. These estimates and assumptions may require revision and actual results may differ materially from these estimates. As well, as noted under &#147;Caution regarding
forward-looking statements&#148;, forward-looking statements involve risks and uncertainties and actual results may differ materially from those expressed or implied in such statements. Key risk factors and their management have been described
above, summarized by major risk category. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Other factors that may affect future results include changes in government trade policy; monetary policy;
fiscal policy; political conditions and developments in or affecting the countries in which we operate; technological changes; public infrastructure disruptions; climate change; changes in consumer spending and saving habits; the possible impact on
local, national or global economies from public health emergencies, such as an influenza pandemic; and international conflicts and other developments including those relating to terrorist activities. Although we take steps to anticipate and minimize
risks in general, unforeseen future events may have a negative impact on our business, financial condition and results of operations. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We caution that
the preceding discussion of risks that may affect future results is not exhaustive. When relying on our forward-looking statements to make decisions with respect to our Company, investors and others should carefully consider the foregoing risks, as
well as other uncertainties and potential events, and other external and Company specific risks that may adversely affect the future business, financial condition or results of operations of our Company. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>63</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_5"></A>Capital Management Framework </B></FONT></P> <P STYLE="margin-top:10px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Manulife Financial seeks to manage its capital with the objectives of: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating with sufficient capital to be able to honour all policyholder and other obligations with a high degree of confidence; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Securing the stability and flexibility to pursue the Company&#146;s business objectives, ensuring best access to capital markets and maintaining target credit
ratings as a result of retaining the ongoing confidence of regulators, policyholders, rating agencies, investors and other creditors; and, </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Optimizing return on capital to meet shareholders&#146; expectations subject to constraints and considerations of adequate levels of capital established to meet
the first two objectives. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Capital is managed and monitored in accordance with the Capital Management Policy, which is reviewed and
approved by the Board of Directors annually. The policy is integrated with the Company&#146;s risk and financial frameworks. It establishes guidelines regarding the quantity and quality of capital, internal capital mobility, and proactive management
of ongoing and future capital requirements. The Board or its designated committees regularly review the Company&#146;s capital position and capital plans. Operational oversight of capital management across the enterprise is provided by the Capital
Committee, consisting of senior finance and risk management executives and chaired by the Chief Actuary. In addition, the CFO meets regularly with senior finance and strategy executives to decide on desirable capital actions. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our capital management framework takes into account the requirements of the Company as a whole as well as the needs of each of our subsidiaries. Our capital
adequacy assessment considers expectations of key external stakeholders such as regulators and rating agencies, results of sensitivity testing as well as a comparison to our peers. We set our internal capital targets above regulatory requirements,
monitor against these internal targets and initiate actions appropriate to achieving our business objectives. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We also periodically assess the strength
of our capital position under various stress scenarios. The annual Dynamic Capital Adequacy Testing (&#147;DCAT&#148;) typically quantifies the financial impact of economic events arising from shocks in public equity and other markets, interest
rates and credit, amongst others. Our 2013 DCAT results demonstrate that we have sufficient assets to discharge policy liabilities in the various adverse scenarios tested. A variety of other stress tests conducted by the Company support this
conclusion. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We integrate capital management into our product planning and performance management. Capital is generally allocated to business lines based
on the higher of the internal risk-based capital and the regulatory capital levels applicable to each jurisdiction. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In order to mitigate the impact of
currency movements on the consolidated capital ratios, the currency mix of assets supporting capital is managed in relation to the Company&#146;s global capital requirements. As a result, both available and required capital rise (fall) when the
Canadian dollar weakens (strengthens). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The composition of capital between equity and other capital instruments impacts the Company&#146;s financial
strength ratings and therefore is an important consideration in determining the appropriate amount of leverage. The Company monitors and rebalances its capital mix through capital issuances and redemptions. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>MFC Consolidated Capital </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following measure of capital
serves as the foundation of our capital management activities at the MFC level. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><BR>2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,693</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Common shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25,830</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22,215</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22,402</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total equity<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29,033</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less accumulated other comprehensive loss on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(84</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(185</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(91</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total equity less accumulated other comprehensive loss on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29,117</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital instruments</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total capital</B><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;33,502</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;29,247</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;28,982</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Total equity includes unrealized gains and losses on AFS debt securities and AFS equities, net of taxes. The unrealized gain or loss on AFS debt securities are
excluded from the OSFI definition of regulatory capital. As at December&nbsp;31, 2013, the unrealized loss on AFS debt securities, net of taxes, was $58 million (2012 &#150; $312 million unrealized gain). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Total capital was $33.5 billion as at December&nbsp;31, 2013 compared to $29.2 billion as at December&nbsp;31, 2012, an increase of $4.3 billion. The increase
included net earnings of $3.1 billion, the $1 billion impact from favourable currency movements on translation of foreign operations and net capital issued of $0.7 billion, partially offset by cash dividends of $0.8 billion over the period.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The &#147;Total capital&#148; above does not include $5.1 billion (2012 &#150; $5.5 billion, 2011 &#150; $5.5 billion) of senior indebtedness issued by
MFC because this form of financing does not meet OSFI&#146;s definition of regulatory capital at the MFC level. The Company has down-streamed the proceeds from this financing into operating entities in the form that qualifies as regulatory capital
at the subsidiary level. Rating agencies expect companies to limit this and other sources of financial leverage to levels appropriate for their ratings. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Capital and Funding Activities </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">During 2013 we raised $650 million of capital and $350 million matured through the following transactions: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">We issued a total of $450 million of MLI subordinated debentures during the year: $200 million (2.819%)&nbsp;on February&nbsp;25, 2013 and $250 million
(2.926%)&nbsp;on November&nbsp;29, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">We issued $200 million (3.80%)&nbsp;of MFC preferred shares on June&nbsp;21, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">On March&nbsp;28, 2013, $350 million (4.67%)&nbsp;of MFC medium term notes matured. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Common Shareholder Dividends and Dividend Payout Ratio </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The declaration and payment of shareholder dividends
and the amount thereof are at the discretion of the Board of Directors and depend upon the results of operations, financial conditions, cash requirements and future prospects of the Company, taking into account regulatory restrictions on the payment
of shareholder dividends as well as other factors deemed relevant by the Board. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company offers a Dividend Reinvestment Program (&#147;DRIP&#148;)
whereby shareholders may elect to automatically reinvest dividends in the form of MFC common shares instead of receiving cash. The offering of the program and its terms of execution are subject to the Board of Directors&#146; discretion.
Participation in the DRIP is strong, with enrolment of approximately one-third of shares outstanding. In 2013 we issued 19&nbsp;million common shares (2012 &#150; 26 million) for a total consideration of $325 million (2012 &#150; $318 million) under
this program. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Regulatory Capital Position</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">21</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B> </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC monitors and manages
its consolidated capital in compliance with the OSFI Guideline A2 &#150; Capital Regime for Regulated Insurance Holding Companies and Non-Operating Life Companies. Under this regime our consolidated available capital is measured against a required
amount of risk capital determined in accordance with the guideline. The capital position of the consolidated MFC operation remains in excess of our internal targets. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">MFC&#146;s operating activities are mostly conducted within MLI or its subsidiaries. MLI is regulated by OSFI and is subject to consolidated risk based capital requirements using the OSFI MCCSR framework. Some
affiliate reinsurance business is undertaken outside the MLI consolidated framework. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our MCCSR ratio for MLI ended the year at 248&nbsp;per cent, up 37
points from the 211&nbsp;per cent reported at the end of 2012. This increase reflects the contribution from earnings, a reduction in capital requirements for variable annuity and segregated fund guarantees due to the strong equity markets, the sale
of our Taiwan insurance business and net capital issuance as well as from the 2013 MCCSR Guideline change that reduced capital required for lapse risk. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We consider MLI&#146;s MCCSR ratio strong in view of our materially reduced risk sensitivities and the lack of explicit capital credit for the hedging of our
variable annuity liabilities. We achieved our equity market and interest rate risk targets two years ahead of schedule. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The 2014 MCCSR Guideline did not
contain changes of material implications for MLI&#146;s regulatory capital ratio. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MLI&#146;s non-consolidated operations and subsidiaries all maintained
capital levels in excess of local requirements as at December&nbsp;31, 2013. Manulife Canada Ltd., an OSFI regulated Canadian operating insurance company, was wound up as at December&nbsp;31, 2013 . </FONT></P>
<P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655598g27w51.jpg" ALT="LOGO">
 </P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">21</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">The &#147;Risk Management and Risk Factors&#148; section above outlines a number of regulatory capital risks. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>65</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Credit Ratings </B></FONT></P>
<P STYLE="margin-top:10px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife Financial&#146;s insurance operating companies have strong ratings from the credit rating agencies for financial strength and claims paying ability.
Maintaining strong ratings on debt and capital instruments issued by MFC and its subsidiaries allows us to access the capital markets at competitive pricing levels. Should these credit ratings decrease materially, our cost of financing may increase
and our access to funding and capital through the capital markets could be reduced. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">During 2013, Moody&#146;s, Fitch, DBRS and A.M. Best maintained
their assigned ratings of MFC and its primary insurance operation companies. S&amp;P raised the counterparty credit rating of MFC to A from A- and maintained the assigned ratings of its primary insurance operating companies. As at December&nbsp;31,
2013, S&amp;P, Moody&#146;s, DBRS and A.M. Best had a stable outlook on these ratings and Fitch had a negative outlook. In January 2014, Fitch affirmed the financial strength rating of MFC&#146;s primary insurance operating companies and credit
ratings and revised the outlook to stable from negative. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table summarizes the financial strength and claims paying ability ratings of MLI
and certain of its subsidiaries as at February&nbsp;21, 2014. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Financial Strength/Claims Paying Ability Ratings </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">S&amp;P</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Moody&#146;s</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">DBRS</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fitch</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">A.M. Best</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">The Manufacturers Life Insurance Company</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AA-</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>A1</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>IC-1</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AA-</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>A+</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Life Insurance Company (U.S.A.)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AA-</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>A1</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not&nbsp;Rated</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AA-</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>A+</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife (International) Limited</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AA-</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not&nbsp;Rated</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not Rated</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not&nbsp;Rated</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not&nbsp;Rated</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Life Insurance Company (Japan)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AA-</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not Rated</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not Rated</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not Rated</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Not Rated</B></FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>66</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_6"></A>Critical Accounting and Actuarial Policies </B></FONT></P>
<P STYLE="margin-top:10px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The preparation of financial statements in accordance with IFRS requires management to make estimates and assumptions that affect the reported amounts and
disclosures made in the Consolidated Financial Statements and accompanying notes. These estimates and assumptions are based on historical experience, management&#146;s assessment of current events and conditions and activities that the Company may
undertake in the future as well as possible future economic events. Actual results could differ from these estimates. The estimates and assumptions described in this section depend upon subjective or complex judgments about matters that may be
uncertain and changes in these estimates and assumptions could materially impact the Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our significant accounting
policies are described in note 1 to the Consolidated Financial Statements. Significant estimation processes relate to the determination of insurance and investment contract liabilities, fair value of certain financial instruments, derivatives and
hedge accounting, provisioning for asset impairment, determination of pension and other post-employment benefit obligations and expenses, income taxes and uncertain tax positions and valuation of goodwill and intangible assets as described below. In
addition, in the determination of the fair values of invested assets, where observable market data is not available, management applies judgment in the selection of valuation models. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Policy Liabilities </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Policy liabilities for IFRS are valued under standards established by the Actuarial
Standards Board. These standards are designed to ensure we establish an appropriate liability on the Consolidated Statements of Financial Position to cover future obligations to all our policyholders. Under IFRS, the assumptions underlying the
valuation of policy liabilities are required to be reviewed and updated on an ongoing basis to reflect recent and emerging trends in experience and changes in risk profile of the business. In conjunction with prudent business practices to manage
both product and asset related risks, the selection and monitoring of appropriate valuation assumptions is designed to minimize our exposure to measurement uncertainty related to policy liabilities. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Determination of Policy Liabilities </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Policy liabilities have
two major components: a best estimate amount and a provision for adverse deviation. The best estimate amount represents the estimated value of future policyholder benefits and settlement obligations to be paid over the term remaining on in-force
policies, including the costs of servicing the policies. The best estimate amount is reduced by the future expected policy revenues and future expected investment income on assets supporting the policies, before any consideration for reinsurance
ceded. To determine the best estimate amount, assumptions must be made for a number of key factors, including future mortality and morbidity rates, investment returns, rates of policy termination, operating expenses, certain taxes (other than income
taxes) and foreign currency. Reinsurance is used to transfer part or all of a policy liability to another insurance company at terms negotiated with that insurance company. A separate asset for reinsurance ceded is calculated based on the terms of
the reinsurance treaties that are in force, with deductions taken for the credit standing of the reinsurance counterparties where appropriate. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">To
recognize the uncertainty involved in determining the best estimate actuarial liability assumptions, a provision for adverse deviation (&#147;PfAD&#148;) is established. The PfAD is determined by including a margin of conservatism for each
assumption to allow for possible <FONT STYLE="white-space:nowrap">mis-estimation</FONT> of, or deterioration in, future experience in order to provide greater comfort that the policy liabilities will be sufficient to pay future benefits. The
Canadian Institute of Actuaries establishes suggested ranges for the level of margins for adverse deviation based on the risk profile of the business. Our margins are set taking into account the risk profile of our business. The effect of these
margins is to increase policy liabilities over the best estimate assumptions. The margins for adverse deviation decrease the income that is recognized at the time a new policy is sold and increase the income recognized in later periods as the
margins release as the remaining policy risks reduce. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Best Estimate Assumptions </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>We follow established processes to determine the assumptions used in the valuation of our policy liabilities. The nature of each risk factor and the process for setting the assumptions used in the valuation
are discussed below. </I></B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mortality </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortality relates to the occurrence of death. Mortality assumptions are based on our internal as well as industry past and emerging experience and are
differentiated by sex, underwriting class, policy type and geographic market. We make assumptions about future mortality improvements using historic experience derived from population data. Reinsurance is used to offset some of our direct mortality
exposure on in-force life insurance policies with the impact of the reinsurance directly reflected in our policy valuation. Actual mortality experience is monitored against these assumptions separately for each business. Where mortality rates are
lower than assumed for life insurance, the result is favourable, and where mortality rates are higher than assumed for payout annuities, mortality results are favourable. Overall 2013 experience was favourable when compared with our assumptions.
Changes to future expected mortality assumptions in the policy liabilities in 2013 resulted in an increase in policy liabilities. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Morbidity
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Morbidity relates to the occurrence of accidents and sickness for the insured risks. Morbidity assumptions are based on our internal as well as
industry past and emerging experience and are established for each type of morbidity risk and geographic market. For our Long-Term Care business we make assumptions about future morbidity improvements. Actual morbidity experience is monitored
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>67</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
against these assumptions separately for each business. Our morbidity risk exposure relates to future expected claims costs for long-term care insurance, as well as for group benefits and certain
individual health insurance products we offer. Overall 2013 experience was unfavourable when compared with our assumptions. A comprehensive morbidity experience review for our U.S. Long-Term care business was completed in 2013, including assumptions
related to in-force price increases. Changes to future expected morbidity assumptions in the policy liabilities in 2013 resulted in an increase in policy liabilities. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Property and Casualty </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our Property and Casualty Reinsurance business insures against losses from natural and
human disasters and accidental events. Policy liabilities are held for incurred claims not yet reported, for claims reported but not yet paid and for expected future claims related to premiums paid to date. In 2011, we had significant adverse
experience on business assumed on our retrocession business related to the earthquakes in Japan and New Zealand. Both our 2012 and 2013 claims loss experience was favourable with respect to the provisions that were established. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Policy Termination and Premium Persistency </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Policy
termination includes lapses and surrenders, where lapses represent the termination of policies due to non-payment of premiums and surrenders represent the voluntary termination of policies by policyholders. Premium persistency represents the level
of ongoing deposits on contracts where there is policyholder discretion as to the amount and timing of deposits. Policy termination and premium persistency assumptions are primarily based on our recent experience adjusted for expected future
conditions. Assumptions reflect differences by type of contract within each geographic market and actual experience is monitored against these assumptions separately for each business. Overall 2013 experience was unfavourable when compared to our
assumptions. Revisions were made to future premium persistency assumptions for Universal and Variable Universal Life products in the U.S., and to policy termination assumptions for certain Canadian whole life and term products and certain whole life
insurance products in Japan. These revisions resulted in an increase in policy liabilities. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Expenses and Taxes </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating expense assumptions reflect the projected costs of maintaining and servicing in-force policies, including associated overhead expenses. The expenses are
derived from internal cost studies and are projected into the future with an allowance for inflation. For some developing businesses, there is an expectation that unit costs will decline as these businesses mature. Actual expenses are monitored
against assumptions separately for each business. Overall maintenance expenses for 2013 were unfavourable when compared with our assumptions. Taxes reflect assumptions for future premium taxes and other non-income related taxes. For income taxes,
policy liabilities are adjusted only for temporary tax timing and permanent tax rate differences on the cash flows available to satisfy policy obligations. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Investment Returns </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We segment assets to support liabilities by business segment and geographic market and
establish investment strategies for each liability segment. The projected cash flows from these assets are combined with projected cash flows from future asset purchases/sales to determine expected rates of return for future years. The investment
strategies for future asset purchases and sales are based on our target investment policies for each segment and the re-investment returns are derived from current and projected market rates for fixed interest investments and our projected outlook
for non-fixed interest assets. Credit losses are projected based on our own and industry experience, as well as specific reviews of the current investment portfolio. Investment return assumptions for each asset class also incorporate expected
investment management expenses that are derived from internal cost studies. In 2013, actual investment returns were favourable when compared to our assumptions. In 2012, actual investment returns were unfavourable when compared to our assumptions.
Overall investment results, excluding returns on variable annuities, were favourable. While the increase in swap spreads and the decrease in corporate spreads was adverse in the year, this was more than offset by gains from asset trading,
origination activity, positive market returns, and the increase in risk free rates. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Segregated Funds </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We offer segregated funds to policyholders that offer certain guarantees, including guaranteed returns of principal on maturity or death, as well as guarantees of
minimum withdrawal amounts or income benefits. The on-balance sheet liability for these benefits is the expected cost of these guarantees including appropriate valuation margins for the various contingencies including mortality and lapse. The most
dominant assumption is the return on the underlying funds in which the policyholders invest. This risk is mitigated through a dynamic hedging strategy. In 2013, experience on assets underlying segregated fund business which has guarantees due to
changes in market value of funds under management was favourable for both the business that is hedged and the business that is not hedged. The latter excludes the experience on the macro equity hedges. Note that an unchanged market or an increase of
less than our expected returns will still result in an earnings loss, since actual returns would not meet the expected returns in the valuation models. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Foreign Currency </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Foreign currency risk results from a
mismatch of the currency of the policy liabilities and the currency of the assets designated to support these obligations. We generally match the currency of our assets with the currency of the liabilities they support, with the objective of
mitigating the risk of loss arising from movements in currency exchange rates. Where a currency mismatch exists, the assumed rate of return on the assets supporting the liabilities is reduced to reflect the potential for adverse movements in
exchange rates. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>68</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Experience Adjusted Products </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Where policies have features that allow the impact of changes in experience to be passed on to policyholders through policy dividends, experience rating refunds, credited rates or other adjustable features, the
projected policyholder benefits are adjusted to reflect the projected experience. Minimum contractual guarantees and other market considerations are taken into account in determining the policy adjustments. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Provision for Adverse Deviation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The aggregate provision for
adverse deviation is the sum of the provisions for adverse deviation for each risk factor. Margins for adverse deviation are established by product type and geographic market for each assumption or factor used in the determination of the best
estimate actuarial liability. The margins are established based on the risk characteristics of the business being valued. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In addition to the explicit
margin for adverse deviation, the valuation basis for segregated fund liabilities explicitly limits the future revenue recognition in the valuation basis to the amount necessary to offset acquisition expenses, after allowing for the cost of any
guarantee features. The fees that are in excess of this limitation are reported as an additional margin and are shown in segregated fund non-capitalized margins. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The provision for adverse deviation and the future revenue deferred in the valuation due to the limitations on recognition of future revenue in the valuation of segregated fund liabilities are shown in the table
below. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Best estimate actuarial liability</B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;133,463</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;134,625</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Provision for adverse deviation</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance risks (mortality/morbidity)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,779</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policyholder behaviour (lapse/surrender/premium persistency)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,107</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,872</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,940</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment risks (non-credit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,861</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment risks (credit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,323</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated fund guarantees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,586</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total provision for adverse deviation
(&#147;PfAD</B><B>&#148;</B>)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36,539</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39,426</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds &#150; additional margins</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,571</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total of PfAD and additional segregated fund margins</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44,699</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47,997</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Reported actuarial liabilities as at December&nbsp;31, 2013 of $170,002 million (2012 &#150; $174,051 million) are composed of $133,463 million (2012 &#150;
$134,625 million) of best estimate actuarial liability and $36,539 million (2012 &#150; $39,426 million) of PfAD. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The change in the
PfAD from period to period is impacted by changes in liability and asset composition, by movements in currency and movements in interest rates and by material changes in valuation assumptions. The overall increase in the insurance risks PfAD was
driven by our review of valuation assumptions and methods. The decline related to segregated fund guarantee PfAD was due to improved equity markets over the year. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Sensitivity of Earnings to Changes in Assumptions </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">When the assumptions underlying our determination of policy
liabilities are updated to reflect recent and emerging experience or change in outlook, the result is a change in the value of policy liabilities which in turn affects income. The sensitivity of after-tax income to changes in non-economic and
certain asset related assumptions underlying policy liabilities is shown below, and assumes that there is a simultaneous change in the assumptions across all business units. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">For changes in asset related assumptions, the sensitivity is shown net of the corresponding impact on income of the change in the value of the assets supporting liabilities. In practice, experience for each
assumption will frequently vary by geographic market and business, and assumption updates are made on a business/geographic specific basis. Actual results can differ materially from these estimates for a variety of reasons including the interaction
among these factors when more than one changes, changes in actuarial and investment return and future investment activity assumptions, actual experience differing from the assumptions, changes in business mix, effective tax rates and other market
factors, and the general limitations of our internal models. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>69</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders arising from changes to non-economic
assumptions<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)
<B></B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Policy Related Assumptions</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">2% adverse change in future mortality
rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Products where an increase in rates increases policy liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Products where a decrease in rates increases policy liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">5% increase in future morbidity rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4),(5)</SUP></FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;(2,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;(1,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">10% adverse change in future termination
rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>5% increase in future expense levels<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The participating policy funds are largely self-supporting and generate no material
impact on net income attributed to shareholders as a result of changes in non-economic assumptions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>An increase in mortality rates will generally increase policy liabilities for life
insurance contracts whereas a decrease in mortality rates will generally increase policy liabilities for policies with longevity risk such as payout annuities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">No amounts related to morbidity risk are included for policies where the policy liability provides only for claims costs expected over a short period, generally
less than one year, such as Group Life and Health. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impacts of the sensitivities on LTC for morbidity, mortality and lapse are assumed to be moderated by partial offsets from the Company&#146;s ability to
contractually raise premium rates in such events, subject to state regulatory approval. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The morbidity sensitivity for 2013 reflects the changes to assumptions made as part to the 2013 annual review of actuarial assumptions and methods. This includes
a change to the margin for adverse deviation on assumed future premium rate increases. In addition, we refined our models to better reflect the extent to which we can raise premium rates should experience deteriorate as indicated above. These
changes resulted in an increase in the sensitivity. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Under Canadian IFRS, we must test a number of prescribed interest rate scenarios.
The scenario that produces the largest policy liabilities is used and is called the booking scenario. The resulting interest scenario for most of our business is a gradual grading of market interest rates from current market levels to assumed
ultimate reinvestment rates over 20 years. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The table below shows the potential impact on annual net income attributed to shareholders where the fixed
income ultimate reinvestment rate (&#147;URR&#148;) is determined assuming that risk free rates remain at their starting December&nbsp;31, 2013 or December&nbsp;31, 2012 levels. It also shows the potential impact if the URR were determined using
risk free rates that are assumed to immediately rise or immediately fall by 50 basis points and then stay at these new levels. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on accumulated next five years and the following five years net income attributed to shareholders arising from potential
changes to the fixed income ultimate reinvestment rates (&#147;URR&#148;)<FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)<B></B></SUP><B><FONT STYLE="font-family:ARIAL" SIZE="2"> </FONT></B></FONT></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December 31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">For the periods</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2014&nbsp;&#150;&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2019&nbsp;&#150;&nbsp;2023</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2013&nbsp;&#150;&nbsp;2017</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2018&nbsp;&#150;&nbsp;2022</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Risk free rates remain at December&nbsp;31, 2013 and December&nbsp;31, 2012 levels, respectively.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Risk free rates rise 50 bp immediately from their December&nbsp;31, 2013 or December&nbsp;31, 2012, levels, respectively, and then remain
at those new levels thereafter.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Risk free rates fall 50 bp immediately from their December&nbsp;31, 2013 or December&nbsp;31, 2012
levels, respectively, and then remain at those new levels thereafter.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(2,200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Current URRs in Canada are 0.7%&nbsp;per annum and 2.7%&nbsp;per annum for short and long-term bonds, respectively, and in the U.S. are 0.7%&nbsp;per annum and
3.4%&nbsp;per annum for short and long-term bonds, respectively. Since the URRs are based upon a five and ten year rolling average of government bond rates, continuation of current rates or a further decline could have a material impact on net
income. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">These impacts assume that the URR changes implied by these shocks do not change which reinvestment scenario produces the largest reserve.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The sensitivity of net income attributed to shareholders to further updates to the ultimate reinvestment rates at December&nbsp;31,
2013 has decreased from December&nbsp;31, 2012 due to the increase in risk free interest rates during that time. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>70</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to shareholders arising from changes to asset related assumptions
supporting actuarial liabilities, excluding the fixed income URR discussed above </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="19" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in after-tax income</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Decrease</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Decrease</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Asset related assumptions updated periodically in valuation basis changes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">100 basis point change in future annual returns for publicly traded equities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">100 basis point change in future annual returns for alternative long-duration assets<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,700</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">100 basis point change in equity volatility assumption for stochastic segregated fund modeling<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The sensitivity to public equity returns above includes the impact on both segregated fund guarantee reserves and on other policy liabilities. For a 100 basis
point increase in expected growth rates, the impact from segregated fund guarantee reserves is a $200 million increase (December 31, 2012 &#150; $500 million increase). For a 100 basis point decrease in expected growth rates, the impact from
segregated fund guarantee reserves is a $200 million decrease (December 31, 2012 &#150; $600 million decrease). Expected long-term annual market growth assumptions for public equities pre-dividends for key markets are based on long-term historical
observed experience and compliance with actuarial standards. The growth rates for returns in the major markets used in the stochastic valuation models for valuing segregated fund guarantees are 7.6%&nbsp;per annum in Canada, 7.6%&nbsp;per annum in
the U.S. and 5.2%&nbsp;per annum in Japan. Growth assumptions for European equity funds are market-specific and vary between 5.8% and 7.85%. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">For future annual returns on public equity, the reduction of $500 million in sensitivity to a decrease from December&nbsp;31, 2012 to December&nbsp;31, 2013 is
primarily due to strong returns from public equities during the year which lower the sensitivity for our segregated fund guarantee liabilities, and the shift of some of our variable annuity guaranteed value from our macro-hedging program to our
dynamic hedging program. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Alternative long-duration assets include commercial real estate, timber and agricultural real estate, oil and gas, and private equities. The reduction of $300
million in sensitivity to a decrease from December&nbsp;31, 2012 to December&nbsp;31, 2013 is primarily related to the impact of the increase in risk free rates in some jurisdictions during the period, increasing the rate at which funds can be
reinvested. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Volatility assumptions for public equities are based on long-term historic observed experience and compliance with actuarial standards. The resulting volatility
assumptions are 17.15%&nbsp;per annum in Canada and 17.15%&nbsp;per annum in the U.S. for large cap public equities, and 19%&nbsp;per annum in Japan. For European equity funds, the volatility varies between 16.15% and 18.4%.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Review of Actuarial Methods and Assumptions </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The 2013 full year review of the actuarial methods and assumptions underlying policy liabilities produced an increase in the policy liabilities of $948 million net of reinsurance ceded, and includes $220 million
attributed to participating policyholders. Net of the impacts on participating policyholder surplus and non-controlling interests, this resulted in a decrease in net income attributed to shareholders of $489 million post-tax. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In conjunction with prudent best practices to manage both product and asset related risks, the selection and monitoring of assumptions appropriate to the business
is designed to minimize our exposure to measurement uncertainty related to policy liabilities. While the assumptions selected represent the Company&#146;s current best estimates and assessment of risk, the ongoing monitoring of experience and the
economic environment is likely to result in future changes to the valuation assumptions, which could be material. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table represents the
impact to the 2013 changes in actuarial assumptions and models on policy liabilities and net income attributed to shareholders: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">To&nbsp;policy<BR>liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">To&nbsp;net&nbsp;income<BR>attributed to<BR>shareholders</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Assumption</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase<BR>(decrease)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase<BR>(decrease)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Lapses and policyholder behavior</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Insurance premium persistency update</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>320</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance lapse updates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>472</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(233</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity lapse update</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Long-Term Care triennial review</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated fund parameters update</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(220</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>203</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other updates</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>257</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(159</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net impact</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(489</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Lapses and policyholder behaviour </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Premium persistency assumptions were adjusted in the U.S. for universal life and variable universal life products to reflect recent and expected future experience which led to a $208 million charge to net income.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Lapse rates across several insurance business units were updated to reflect recent and expected future policyholder lapse experience. This included a
review of the lapse experience for the Canadian individual insurance whole life and term products and certain whole life insurance products in Japan. Net of the impact on participating surplus this resulted in a $233 million charge to net income.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Lapse rate assumptions were updated for a number of Variable Annuity contracts to reflect updated experience results, including reducing base lapse
rates in Japan as contracts get closer to maturity. This resulted in an $80 million charge to net income. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>U.S. Long-Term Care triennial review
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">U.S. Insurance completed a comprehensive long-term care experience study. This included a review of mortality and morbidity experience, lapse
experience, and of the policy liability for in-force rate increases filed for as a result of the 2010 review. The net impact of the review was a $12 million charge to net income. This included several offsetting items as outlined below. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>71</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Expected claims costs increased primarily due to lower mortality, higher incidence rates, and claims periods longer
than expected in policy liabilities. This increase in expected cost was offset by a number of items, including: (i)&nbsp;the expected future premium increases resulting from this year&#146;s review, (ii)&nbsp;actual experience on previously filed
rate increases as the actual approval rate is higher than what was reflected in policy liabilities, (iii)&nbsp;method and modeling refinements largely related to the modeling of future tax cash flows, and (iv)&nbsp;updated lapse assumptions.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The expected future premium increases assumed in the policy liabilities resulted in a benefit of $1.0 billion to net income; this includes a total of
$0.5 billion from future premium increases that are related to revised morbidity, mortality and lapse assumptions, while the remainder is a carryover from outstanding amounts from 2010 filings. Premium increases averaging approximately 25&nbsp;per
cent will be sought on about one half of the in-force business, excluding the carryover of 2010 amounts requested. U.S. Insurance have factored into its assumptions the estimated timing and amount of state approved premium increases. The actual
experience obtaining price increases could be materially different than was assumed, resulting in further policy liability increases or releases which could be material. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Segregated fund parameters update </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Certain parameters used in the stochastic valuation of the segregated fund
valuation were updated and resulted in a $203 million benefit to net income. The primary updates were to the foreign exchange and bond fund parameters both of which were favourable. The bond parameter reviews included updates to interest rate and
volatility assumptions. The impact of interest rate movements between the last review effective March&nbsp;31, 2012 and March&nbsp;31, 2013 led to a charge, which was more than offset by the impact of the increase in interest rates in the second
quarter of 2013. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other updates </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company made
a number of model refinements related to the projection of both asset and liability cash flows which led to a $109 million charge to net income. This includes several offsetting items: a charge due to a refinement in the modeling of reinsurance
contracts for Canadian individual insurance; and a charge due to aligning the modeling of swaps across all segments partially offset by a benefit due to a refinement in the modeling of guaranteed minimum withdrawal benefit products in U.S.
Annuities; and a benefit due to further clarity on the treatment of Canadian investment income tax. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortality and morbidity charges of $77 million to
net income were the result of the review of assumptions for multiple product lines. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The net impact of all other updates was a $27 million benefit to net
income, which included updates to investment return and future expense assumptions. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Change in Insurance Contract Liabilities </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The change in insurance contract liabilities can be attributed to several sources: new business, acquisitions, in-force movement and currency impact. Changes in
insurance contract liabilities are substantially offset in the financial statements by premiums, investment income, policy benefits and other policy related cash flows. The changes in insurance contract liabilities by business segment are shown
below: </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>2013 Insurance Contract Liability Movement Analysis </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian<BR>Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate<BR>and&nbsp;Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1, 2013</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;27,971</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;50,609</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;101,300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;179,714</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">New business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(73</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,181</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">In-force movement</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,167</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,788</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(11,014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of sale of Taiwan Business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,535</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,535</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in methods&nbsp;and assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(36</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>352</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>951</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency impact</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(270</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,779</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,502</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total net changes</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(524</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,958</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>73</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,915</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31, 2013</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27,447</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>49,103</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>99,342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(93</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>175,799</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For new business, the segments with large positive general account premium revenue at contract inception show increases in policy
liabilities. For segments where new business deposits are primarily into segregated funds, the increase in policy liabilities related to new business is small since the increase measures only general account liabilities. New business policy
liability impact is negative when estimated future premiums, together with future investment income, are expected to be more than sufficient to pay estimated future benefits, policyholder dividends and refunds, taxes (excluding income taxes) and
expenses on new policies issued. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The net in-force movement over the year was a decrease of $11,014 million. A material part of the in-force movement
decrease was due to a decrease in policyholder liabilities for segregated fund products due to the increase in equity markets, and the increase in interest rates and the resulting impact on the fair value of assets which back those policy
liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The increase of $951 million from changes in methods and assumptions resulted in a decrease in pre-tax earnings. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Of the $9,833 million net decrease in insurance contract liabilities related to new business and in-force movement, $9,784 million was a decrease in actuarial
liabilities. The remaining was a decrease of $49 million in other insurance contract liabilities. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>72</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The increase in policy liabilities from currency reflects the depreciation of the Canadian dollar relative to the U.S.
dollar, partially offset by the appreciation of the Canadian dollar relative to the Japanese yen. To the extent assets are currency matched to liabilities, the decrease in insurance contract liabilities due to currency is offset by a corresponding
decrease from currency in the value of assets supporting those liabilities. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>2012 Insurance Contract Liability Movement Analysis </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian<BR>Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate<BR>and&nbsp;Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1, 2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;26,733</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;47,144</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;105,431</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;330</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;179,638</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustment due to reclassification of policy liabilities to segregated fund liability</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">New business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">751</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">In-force movement</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(510</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in methods&nbsp;&amp; assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,367</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency impact</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,502</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,328</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,834</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total net changes</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,238</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,465</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,131</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(496</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">76</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Balance, December&nbsp;31, 2012<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,971</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">50,609</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">101,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(166</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">179,714</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For new business, the segments with large positive general account premium revenue at contract inception show increases in policy
liabilities. For segments where new business deposits are primarily into segregated funds, the increase in policy liabilities related to new business is small since the increase measures only general account liabilities. New business policy
liability impact is negative when estimated future premiums, together with future investment income, are expected to be more than sufficient to pay estimated future benefits, policyholder dividends and refunds, taxes (excluding income taxes) and
expenses on new policies issued. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The net in-force movement over the year was a decrease of $133 million. A material part of the in-force movement
increase was related to the decline in interest rates and the resulting impact on the fair value of assets which back those policy liabilities. The $4.9 billion in-force reserve decrease in the U.S. Division during 2012 included a $6.9 billion
decrease from reinsurance ceded arrangements entered into during the year. The decrease in the Corporate and Other segment was related to the settlement of claims in the Accident and Health Reinsurance operation that is closed to new business, and
the Property and Casualty Reinsurance business. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The increase of $2,686 million from changes in methods and assumptions resulted in a decrease in pre-tax
earnings. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Of the $2,417 million net increase in insurance contract liabilities related to new business and in-force movement, $2,647 million was an
increase in actuarial liabilities. The remaining was a decrease of $230 million in other insurance contract liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The decrease in policy
liabilities from currency reflects the appreciation of the Canadian dollar relative to the U.S. dollar as well as Japanese yen. To the extent assets are currency matched to liabilities, the decrease in insurance contract liabilities due to currency
is offset by a corresponding decrease from currency in the value of assets supporting those liabilities. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Consolidation </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company is required to consolidate the financial position and results of entities it controls. Control exists when the Company: 1) has the power to govern the
financial and operating policies of the entity, 2) is exposed to a significant portion of the entity&#146;s variable returns, and 3) is able to use its power to influence variable returns from the entity. The Company uses the same principles to
assess control over any entity it is involved with. In evaluating control, potential factors assessed include the effects of: 1) substantive potential voting rights that are currently exercisable or convertible, 2) contractual management
relationships with the entity, 3) rights and obligations resulting from policyholders to manage investments on their behalf, and 4) the effect of any legal or contractual restraints on the Company from using its power to affect its variable returns
from the entity. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">An assessment of control is based on arrangements in place and the assessed risk exposures at inception. Initial evaluations are
reconsidered at a later date if: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">the Company acquires additional interests in the entity or its interests in an entity are diluted, </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">the contractual arrangements of the entity are amended such that the Company&#146;s involvement with the entity changes, or </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">the Company&#146;s ability to use its power to affect its variable returns from the entity changes. </FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Subsidiaries are consolidated from the date on which control is obtained by the Company and cease to be consolidated from the date that control ceases. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Fair Value of Invested Assets </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">A large portion of the Company&#146;s invested assets are recorded at fair
value. Refer to note 1 and note 11 to the 2013 Consolidated Financial Statements for a description of the methods used in determining fair values. When quoted prices in active markets are not available for a particular investment, significant
judgment is required to determine an estimated fair value based on market standard valuation methodologies including discounted cash flow methodologies, matrix pricing, consensus pricing services, or other similar techniques. The inputs to these
market standard valuation methodologies include, but are not limited to: current interest rates or yields for similar instruments, credit rating of the issuer or counterparty, industry sector of the issuer, coupon rate, call provisions,
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>73</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
sinking fund requirements, tenor (or expected tenor) of the instrument, management&#146;s assumptions regarding liquidity, volatilities and estimated future cash flows. Accordingly, the estimated
fair values are based on available market information and management&#146;s judgments about the key market factors impacting these financial instruments. Financial markets are susceptible to severe events evidenced by rapid depreciation in asset
values accompanied by a reduction in asset liquidity. The Company&#146;s ability to sell assets, or the price ultimately realized for these assets, depends upon the demand and liquidity in the market and increases the use of judgment in determining
the estimated fair value of certain assets. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Evaluation of Invested Asset Impairment </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">AFS fixed income and equity securities are carried at fair market value, with changes in fair value recorded in Other Comprehensive Income (&#147;OCI&#148;) with the exception of unrealized gains and losses on
foreign currency translation of AFS fixed income securities which are included in income. Securities are reviewed on a regular basis and any fair value decrement is transferred out of Accumulated Other Comprehensive Income (&#147;AOCI&#148;) and
recorded in income when it is deemed probable that the Company will not be able to collect all amounts due according to the contractual terms of a fixed income security or when fair value of an equity security has declined significantly below cost
or for a prolonged period of time. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Provisions for impairments of mortgage loans and private placement loans are recorded with losses reported in
earnings when there is no longer reasonable assurance as to the timely collection of the full amount of the principal and interest. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Significant judgment
is required in assessing whether an impairment has occurred and in assessing fair values and recoverable values. Key matters considered include economic factors, company and industry specific developments, and specific issues with respect to single
issuers and borrowers. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Changes in circumstances may cause future assessments of asset impairment to be materially different from current assessments,
which could require additional provisions for impairment. Additional information on the process and methodology for determining the allowance for credit losses is included in the discussion of credit risk in note 10 to the 2013 Consolidated
Financial Statements. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Derivative Financial Instruments </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company uses derivative financial instruments (&#147;derivatives&#148;) including swaps, forwards and futures agreements, and options to manage current and anticipated exposures to changes in interest rates,
foreign exchange rates, commodity prices and equity market prices, and to replicate permissible investments. Refer to note 5 to the 2013 Consolidated Financial Statements for a description of the methods used to determine the fair value of
derivatives. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The accounting for derivatives is complex and interpretations of the primary accounting guidance continue to evolve in practice. Judgment
is applied in determining the availability and application of hedge accounting designations and the appropriate accounting treatment under such accounting guidance. Differences in judgment as to the availability and application of hedge accounting
designations and the appropriate accounting treatment may result in a differing impact on the Consolidated Financial Statements of the Company from that previously reported. Assessments of hedge effectiveness and measurements of ineffectiveness of
hedging relationships are also subject to interpretations and estimations. If it was determined that hedge accounting designations were not appropriately applied, reported net income could be materially affected. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Employee Future Benefits </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company maintains a number of
plans providing pension (defined benefit and defined contribution) and other post-employment benefits to eligible employees and agents after employment. The largest of these &#150; the defined benefit pension and retiree welfare plans in the U.S.
and Canada &#150; are the material plans that are discussed herein and are the subject of the disclosures in note 17 to the 2013 Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Due to the long-term nature of defined benefit pension and retiree welfare plans, the calculation of the defined benefit obligations and net benefit cost depends on various assumptions such as discount rates,
salary increase rates, cash balance interest crediting rates, health care cost trend rates and rates of mortality. These assumptions are determined by management and are reviewed annually. Differences between actual and expected experience give rise
to actuarial gains and losses that affect the amount of the defined benefit obligations and OCI. During 2013, the actual experience resulted in an actuarial gain of $274 million (2012 &#150; $53 million) for the defined benefit pension plans and an
actuarial gain of $69 million (2012 &#150; $79 million) for the retiree welfare plans. The aggregate gain of $343 million (2012 &#150; $132 million) was fully recognized in OCI in 2013. The key weighted average assumptions, as well as the
sensitivity of the defined benefit obligations to these assumptions, are presented in note 17 to the 2013 Consolidated Financial Statements. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Contributions to the broad based defined benefit pension plans are made in accordance with the regulations in the countries in which the plans are offered. During
2013, the Company contributed $21 million (2012 &#150; $37 million) to these plans. As at December&nbsp;31, 2013, the difference between the fair value of assets and the defined benefit obligations for these plans was a surplus of $137 million (2012
&#150; deficit of $95 million). For 2014, the contributions to the plans are expected to be approximately $20 million. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s supplemental
pension plans for executives are not funded; benefits under these plans are paid as they become due. During 2013, the Company paid benefits of $61 million (2012 &#150; $62 million) under these plans. As at December&nbsp;31, 2013, the defined benefit
obligations amounted to $713 million (2012 &#150; $727 million). </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>74</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s retiree welfare plans are partially funded, although there are no regulations or laws governing or
requiring the funding of these plans. As at December&nbsp;31, 2013, the difference between the fair value of plan assets and the defined benefit plan obligations was a deficit of $133 million (2012 &#150; $221 million). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For further details on the defined benefit obligations and net benefit cost for these plans, refer to note 17 to the 2013 Consolidated Financial Statements.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Income Taxes </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company is subject to income
tax laws in various jurisdictions. Tax laws are complex and potentially subject to different interpretations by the taxpayer and the relevant tax authority. The provision for income taxes represents management&#146;s interpretation of the relevant
tax laws and its estimate of current and future income tax implications of the transactions and events during the period. A deferred income tax asset or liability is recognized whenever an amount is recorded for accounting purposes but not for tax
purposes or vice versa. Deferred tax assets and liabilities are recorded based on expected future tax rates and management&#146;s assumptions regarding the expected timing of the reversal of such temporary differences. The realization of deferred
tax assets depends upon the existence of sufficient taxable income within the carryback or carry forward periods under the tax law in the applicable tax jurisdiction. Valuation allowances are established when management determines, based on
available information, that it is more likely than not that deferred income tax assets will not be realized. Factors in management&#146;s determination consider the performance of the business including the ability to generate capital gains.
Significant judgment is required in determining whether valuation allowances should be established, as well as the amount of such allowances. When making such determinations, consideration is given to, among other things, the following: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">future taxable income exclusive of reversing temporary differences and carry forwards; </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">future reversals of existing taxable temporary differences; </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">taxable income in prior carryback years; and </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">tax planning strategies. </FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company may be required to change its
provision for income taxes if the ultimate deductibility of certain items is successfully challenged by taxing authorities or if estimates used in determining valuation allowances on deferred tax assets significantly change, or when receipt of new
information indicates the need for adjustment in valuation allowances. Additionally, future events, such as changes in tax laws, tax regulations, or interpretations of such laws or regulations, could have an impact on the provision for income tax,
deferred tax balances and the effective tax rate. Any such changes could significantly affect the amounts reported in the Consolidated Financial Statements in the year these changes occur. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company is an investor in a number of leasing transactions and had established provisions for disallowance of the tax treatment and for interest on past due taxes. On August&nbsp;5, 2013, the U.S. Tax Court
issued an opinion effectively ruling in the government&#146;s favour in the litigation between John Hancock and the Internal Revenue Service involving the tax treatment of leveraged leases. The Company was fully reserved for this result, and the
case had no material impact on the Company&#146;s 2013 financial results. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Goodwill and Intangible Assets </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Under IFRS, goodwill is tested at the cash generating unit level (&#147;CGU&#148;) or group of CGUs level. A CGU comprises the smallest group of assets that are
capable of generating largely independent cash flows and is either a business segment or a level below. The tests performed in 2013 demonstrated that there was no impairment of goodwill or intangible assets with indefinite lives. Change in the
discount rates and cash flow projections used in the determination of embedded values or reductions in market-based earnings multiples may result in impairment charges in the future, which could be material. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Impairment charges could occur in the future as a result of changes in economic conditions. The goodwill testing for 2014 will be updated based on the conditions
that exist in 2014 and may result in impairment charges, which could be material. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Future Accounting and Reporting Changes </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">There are a number of new accounting and reporting changes issued under IFRS including those still under development by the International Accounting Standards Board
(&#147;IASB&#148;) that will impact the Company beginning in 2014 and subsequently. Summaries of each of the most recently issued key accounting standards are presented below: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>(a) IFRS 9 &#147;Financial Instruments&#148; </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">IFRS 9 &#147;Financial Instruments&#148; was issued in November
2009 and amended in October 2010 and November 2013, and is intended to replace IAS 39 &#147;Financial Instruments: Recognition and Measurement&#148;. The project has been divided into three phases: classification and measurement, impairment of
financial assets, and hedge accounting. IFRS 9&#146;s current classification and measurement methodology provides that financial assets are measured at either amortized cost or fair value on the basis of the entity&#146;s business model for managing
the financial assets and the contractual cash flow characteristics of the financial assets. The classification and measurement for financial liabilities remains generally unchanged; however, revisions have been made in the accounting for changes in
fair value of a financial liability attributable to changes in the credit risk of that liability. Gains or losses caused by changes in an entity&#146;s own credit risk on such liabilities are no longer recognized in profit or loss but instead are
reflected in OCI. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Revisions to hedge accounting were issued in November 2013 as part of the overall IFRS 9 project. The amendment introduces a new hedge
accounting model, together with corresponding disclosures about risk management activity for those applying hedge accounting. The new model represents a substantial overhaul of hedge accounting that will enable entities to better reflect their risk
management activities in their financial statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>75</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In November 2013, the IASB removed the mandatory effective date of January&nbsp;1, 2015. The IASB has stated that a
new effective date will be determined when all three phases of the IFRS 9 project are closer to completion. The Company is still assessing the impact of these changes. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>(b) Amendments to IAS 32 &#147;Financial Instruments: Presentation&#148; </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The amendments to IAS 32
&#147;Offsetting Financial Assets and Financial Liabilities&#148; were issued in December 2011 and are effective for years beginning on or after January&nbsp;1, 2014. The amendments clarify the basis for offsetting financial instruments presented in
the statement of financial position. Adoption of these amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>(c) Amendments to IFRS 10, IFRS 12 and IAS 27 &#147;Investment Entities&#148; </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The amendments to IFRS 10, IFRS
12 and IAS 27 &#147;Investment Entities&#148; were issued in October 2012 and are effective for years beginning on or after January&nbsp;1, 2014. The amendments establish the definition of an investment entity using principles commonly found in the
mutual fund industry. The amendments require investment entities to use fair value accounting for all of their investments, including those which they control or have significant influence over. The amendments constitute a scope change for IFRS 10
and, therefore, Investment Entities, as defined, will be exempt from applying consolidation accounting for their investments. Adoption of these amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial
Statements. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d) IFRS Interpretation Committee (&#147;IFRIC&#148;) Interpretation 21 &#147;Levies&#148; </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">IFRIC Interpretation 21 &#147;Levies&#148; was issued in May 2013 and is effective for years beginning on or after January&nbsp;1, 2014. IFRIC 21 provides guidance
on recognizing liabilities for payments to government in accordance with IAS 37 &#147;Provisions, Contingent Liabilities and Contingent Assets&#148;. It does not provide guidance on accounting for income taxes, fines and penalties or for acquisition
of assets or services from governments. IFRIC 21 establishes that a liability for a levy is recognized when the activity that triggers payment occurs. Adoption of this amendment is not expected to have a significant impact on the Company&#146;s
Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(e) Amendments to IAS 39 &#147;Financial Instruments: Recognition and Measurement&#148; </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The amendments to IAS 39 &#147;Novation of Derivatives and Continuation of Hedge Accounting&#148; were issued in June 2013 and are effective for years beginning on
or after January&nbsp;1, 2014. The amendments address the accounting for derivatives designated as a hedging instrument when there has been a change in counterparty. Under the amendments, for situations in which a law or regulation requires the
novation, the Company can continue the current hedge designation despite the change. A novation occurs when the parties of the derivative agree to change counterparties for the purposes of using a central counterparty for clearing. Adoption of these
amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(f) Annual Improvements 2010-2012
and 2011-2013 Cycles </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Annual Improvements 2010-2012 and 2011-2013 Cycles were issued in December 2013, resulting in minor amendments to 10 standards
and are effective for the Company starting on January&nbsp;1, 2015. Adoption of these amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(g) Amendments to IAS 19 &#147;Employee Benefits&#148; </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
amendments to IAS 19 &#147;Employee Benefits&#148; were issued in November 2013 and are effective for the Company starting on January&nbsp;1, 2015. The amendments clarify the accounting for contributions by employees or third parties to defined
benefit plans. Adoption of these amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Differences between IFRS and Hong Kong Financial Reporting Standards </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The consolidated financial statements of Manulife Financial are presented in accordance with IFRS. IFRS differs in certain respects from Hong Kong Financial Reporting Standards (&#147;HKFRS&#148;). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The primary difference between IFRS and HKFRS is the determination of policy liabilities. In certain interest rate environments, policy liabilities determined in
accordance with HKFRS may be higher than those computed in accordance with current IFRS. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IFRS and Hong Kong Regulatory Requirements </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Insurers in Hong Kong are required by the Office of the Commissioner of Insurance to meet minimum solvency requirements. As at December&nbsp;31, 2013, the Company
has sufficient assets to meet the minimum solvency requirements under both Hong Kong regulatory requirements and IFRS. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>76</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_7"></A>U.S. GAAP Disclosures </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>With the adoption of IFRS in 2011, the Company is no longer required to reconcile its annual financial results to U.S. GAAP within the Consolidated Financial Statements. Instead, we have elected to disclose
certain consolidated U.S. GAAP information in our MD&amp;A. As a result, net income attributed to shareholders in accordance with U.S. GAAP is considered a non-GAAP financial measure. </I></B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><I>For the full year 2013, net loss attributed to shareholders in accordance with U.S.
GAAP</I></B><I><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">22</SUP></FONT></I><B><I> was $648 million, $3,778 million lower than the $3,130 million in net income attributed to
shareholders under IFRS. A reconciliation of the major differences between net income attributed to shareholders in accordance with IFRS and the net income attributable to shareholders in accordance with U.S. GAAP follows, with major differences
expanded upon below: </I></B></FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>U.S. GAAP Results </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income attributed to shareholders in accordance with IFRS</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Key earnings differences:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity guarantee liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of mark-to-market accounting and investing activities on investment income and policy liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,276</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">New business differences including acquisition costs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(858</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(650</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in actuarial methods and assumptions, excluding URR</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment charge</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>-</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other differences</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">751</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">121</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total earnings difference</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(3,778</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">747</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,545</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net (loss) income attributed to shareholders in accordance with U.S. GAAP</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(648</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,557</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,674</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 and 2011 IFRS equity was restated to reflect the retrospective application of new accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Restated as a result of adopting Accounting Standards Update No.&nbsp;2010-26, &#147;Accounting for Costs Associated with Acquiring or Renewing Insurance
Contracts&#148; (&#147;ASU 2010-26&#148;) effective January&nbsp;1, 2012 but requiring application to 2011. The impact to full year 2011 was a net decrease in earnings of $48 million, all of which is included in &#147;New business differences
including acquisition costs&#148;. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes impacts related to the update of the fixed income ultimate reinvestment rate assumptions used in the valuation of policy liabilities under IFRS which
have no direct impact on U.S. GAAP results. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Accounting for variable annuity guarantee liabilities</I> &#150; IFRS follows a
predominantly &#147;mark-to-market&#148; accounting approach to measure variable annuity guarantee liabilities while U.S. GAAP only uses &#147;mark-to-market&#148; accounting for certain benefit guarantees. The U.S. GAAP accounting results in an
accounting mismatch between the hedging assets supporting the dynamically hedged guarantees and the guarantees not accounted for on a mark-to-market basis. Another difference is that U.S. GAAP reflects the Company&#146;s own credit standing in the
measurement of the liability. In 2013, we reported a net loss of $670 million (2012 &#150; net gain of $29 million; 2011 &#150; net gain of $682 million) in our total variable annuity businesses under U.S. GAAP compared to a net gain of $1,685
million under IFRS (2012 &#150; net gain of $1,254 million; 2011 &#150; net loss of $2,245 million). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Investment income and policy liabilities &#150;
</I>Under IFRS, accumulated unrealized gains and losses arising from fixed income investments and interest rate derivatives supporting policy liabilities are largely offset in the valuation of the policy liabilities. The 2013 IFRS impacts of fixed
income reinvestment assumptions, general fund equity investments, fixed income and alternative long-duration asset investing totaled a net gain of $323 million (2012 &#150; net loss of $176 million; 2011 &#150; net gain of $504 million) compared to
U.S. GAAP net realized losses and other investment losses of $953 million (2012 &#150; net gain of $1,003 million; 2011 &#150; net gain of $821 million). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Differences in the treatment of acquisition costs and other new business items &#150; </I>Acquisition costs that are related to and vary with the production of
new business are explicitly deferred and amortized under U.S. GAAP but are recognized as an implicit reduction in insurance liabilities along with other new business gains and losses under IFRS. In 2013, IFRS results benefited from lower new
business strain compared to U.S. GAAP.<I> </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Changes in actuarial methods and assumptions &#150; </I>The charges recognized under IFRS from the
annual review of actuarial methods and assumptions of $489 million (2012 &#150; $1,081 million; 2011 &#150; $751 million) excluding URR charges, compared to gains of $17 million (2012 &#150; charges of $589 million; 2011 &#150; charges of $402
million) on a U.S. GAAP basis.<I> </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Goodwill impairment &#150;</I> In 2013 we recorded no IFRS or U.S. GAAP goodwill impairment charges. In 2012 we
recorded a $200 million IFRS goodwill impairment charge related to our Canadian Individual Insurance business. There was no impact on a U.S. GAAP basis. In 2011, under IFRS we recorded a $665 million IFRS goodwill impairment charge representing the
remaining goodwill attributable to our U.S. Life insurance business compared to $512 million goodwill impairment charge under U.S. GAAP attributable to our U.S. Wealth management businesses. The difference in amounts and business units affected is
primarily attributable to the more granular impairment testing methodology prescribed under IFRS.<I> </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Total equity in accordance with U.S.
GAAP</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">23</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> as at December&nbsp;31, 2013 was approximately $8 billion higher than
under IFRS. Of this difference, approximately $6 billion was attributable to the higher cumulative net income on a U.S. GAAP basis. The remaining </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">22</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">23</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Total equity in accordance with U.S. GAAP is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; below. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>77</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
difference was primarily attributable to the treatment of unrealized gains on fixed income investments and derivatives in a cash flow hedging relationship which are reported in equity under U.S.
GAAP, but where the investments and derivatives are supporting policy liabilities, these accumulated unrealized gains are largely offset in the valuation of the policy liabilities under IFRS. The fixed income investments and derivatives have
significant unrealized gains as a result of the current low levels of interest rates. The majority of the difference in equity between the two accounting bases as at December&nbsp;31, 2013 arises from our U.S. businesses. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">A reconciliation of the major differences in total equity is as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity in accordance with IFRS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;29,033</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;25,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;24,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Differences in shareholders&#146; retained earnings and participating policyholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,947</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Difference in accumulated other comprehensive income attributed to:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">(i) &nbsp;&nbsp;Pension and other post-employment plans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">(ii) &nbsp;AFS securities and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,231</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">(iii) Cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,224</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">(iv) Translation of net foreign operations<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,055</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,457</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Differences in share capital, contributed surplus and non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>136</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">240</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">148</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity in accordance with U.S. GAAP</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,436</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">41,855</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39,630</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 IFRS equity was restated to reflect the retrospective application of new accounting standards effective January&nbsp;1, 2013. For a detailed description
of the change see note 2 to the 2013 Consolidated Financial Statements. The 2011 results were not required to be restated. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2011 U.S. GAAP equity was restated to reflect the retrospective adoption of ASU No.&nbsp;2010-26 effective January&nbsp;1, 2012.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Reflects the net difference in the currency translation account after the reset to zero through retained earnings upon adoption of IFRS at January&nbsp;1, 2010.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>78</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_8"></A>Controls and Procedures </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Disclosure Controls and Procedures </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our disclosure controls and procedures are designed to provide reasonable
assurance that information required to be disclosed by us is recorded, processed, summarized, and reported accurately and completely and within the time periods specified under Canadian and U.S. securities laws. Our process includes controls and
procedures that are designed to ensure that information is accumulated and communicated to management, including the CEO and CFO, to allow timely decisions regarding required disclosure. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As of December&nbsp;31, 2013, management evaluated the effectiveness of its disclosure controls and procedures as defined under the rules adopted by the U.S. Securities and Exchange Commission and the Canadian
securities regulatory authorities. This evaluation was performed under the supervision of the Audit Committee, the CEO and CFO. Based on that evaluation, the CEO and CFO concluded that our disclosure controls and procedures were effective as at
December&nbsp;31, 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC&#146;s Audit Committee has reviewed this MD&amp;A and the 2013 Consolidated Financial Statements and MFC&#146;s Board of
Directors approved these reports prior to their release. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Management&#146;s Report on Internal Control over Financial Reporting </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Management is responsible for establishing and maintaining adequate internal control over financial reporting. The Company&#146;s internal control system was
designed to provide reasonable assurance to management and the Board of Directors regarding the preparation and fair presentation of published financial statements in accordance with generally accepted accounting principles. All internal control
systems, no matter how well designed, have inherent limitations due to manual controls. Therefore, even those systems determined to be effective can provide only reasonable assurance with respect to financial statement preparation and presentation.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Management maintains a comprehensive system of controls intended to ensure that transactions are executed in accordance with management&#146;s
authorization, assets are safeguarded, and financial records are reliable. Management also takes steps to ensure that information and communication flows are effective and to monitor performance, including performance of internal control procedures.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Management assessed the effectiveness of the Company&#146;s internal control over financial reporting as of December&nbsp;31, 2013 based on the criteria
set forth by the Committee of Sponsoring Organizations of the Treadway Commission (&#147;COSO&#148;) 1992 framework in Internal Control &#150; Integrated Framework. Based on this assessment, management believes that, as of December&nbsp;31, 2013,
the Company&#146;s internal control over financial reporting is effective. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The effectiveness of the Company&#146;s internal control over financial
reporting as of December&nbsp;31, 2013 has been audited by Ernst&nbsp;&amp; Young LLP, the Company&#146;s independent registered public accounting firm that also audited the Consolidated Financial Statements of the Company for the year ended
December&nbsp;31, 2013. Their report expressed an unqualified opinion on the effectiveness of the Company&#146;s internal control over financial reporting as of December&nbsp;31, 2013. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Changes in Internal Control over Financial Reporting </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">No changes were made in our internal control over
financial reporting during the year ended December&nbsp;31, 2013 that have significantly affected, or are reasonably likely to significantly affect, our internal control over financial reporting. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_9"></A>Performance and Non-GAAP Measures </B></FONT></P>
<P STYLE="margin-top:10px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We use a number of non-GAAP financial measures to measure overall performance and to assess each of our businesses. A financial measure is considered a non-GAAP
measure for Canadian securities law purposes if it is presented other than in accordance with generally accepted accounting principles used for the Company&#146;s audited financial statements. Non-GAAP measures include: Core Earnings; Net Income
Attributed to Shareholders in Accordance with U.S. GAAP; Total Equity in Accordance with U.S. GAAP; Core ROE; Diluted Core Earnings Per Common Share; Constant Currency Basis; Premiums and Deposits; Funds under Management; Capital; New Business
Embedded Value; Sales and Total Annualized Insurance and Wealth Premium Equivalent Basis Sales. Non-GAAP financial measures are not defined terms under GAAP and, therefore, with the exception of Net Income Attributed to Shareholders in Accordance
with U.S. GAAP and Total Equity in Accordance with U.S. GAAP (which are comparable to the equivalent measures of issuers whose financial statements are prepared in accordance with U.S. GAAP), are unlikely to be comparable to similar terms used by
other issuers. Therefore, they should not be considered in isolation or as a substitute for any other financial information prepared in accordance with GAAP. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Core earnings (losses)</B> is a non-GAAP measure which we use to better understand the long-term earnings capacity and valuation of the business. Core earnings excludes the direct impact of equity markets and
interest rates as well as a number of other items, outlined below, that are considered material and exceptional in nature. While this metric is relevant to how we manage our business and offers a consistent methodology, it is not insulated from
macro-economic factors which can have a significant impact. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Any future changes to the core earnings definition referred to below, will be disclosed.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>79</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Items that are included in core earnings are: </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Expected earnings on in-force policies, including expected release of provisions for adverse deviation, fee income, margins on group business and spread business such as Manulife
Bank and asset fund management. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Macro hedging costs based on expected market returns. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">New business strain. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Policyholder experience gains or losses. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Acquisition and operating expenses compared to expense assumptions used in the measurement of policy liabilities. </FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">6.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Up to $200 million of favourable investment-related experience reported in a single year, which are referred to as &#147;core investment gains&#148;. </FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">7.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Earnings on surplus other than mark-to-market items. Gains on available-for-sale (&#147;AFS&#148;) equities and seed money investments are included in core earnings.
</FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">8.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Routine or non-material legal settlements. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">9.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">All other items not specifically excluded. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">10.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax on the above items. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">11.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">All tax related items except the impact of enacted or substantially enacted income tax rate changes. </FONT></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Items excluded from core earnings are: </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">The direct impact of equity markets and interest rates, consisting of: </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains (charges) on variable annuity guarantee liabilities not dynamically hedged. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains (charges) on general fund equity investments supporting policy liabilities and on fee income. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains (charges) on macro equity hedges relative to expected costs. The expected cost of macro hedges is calculated using the equity assumptions used in the
valuation of policy liabilities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains (charges) on higher (lower) fixed income reinvestment rates assumed in the valuation of policy liabilities, including the impact on the fixed income
ultimate reinvestment rate (&#147;URR&#148;). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains (charges) on sale of AFS bonds and open derivatives not in hedging relationships in the Corporate and Other segment. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">The earnings impact of the difference between the net increase (decrease) in variable annuity liabilities that are dynamically hedged and the performance of the related hedge
assets. Our variable annuity dynamic hedging strategy is not designed to completely offset the sensitivity of policy liabilities to all risks or measurements associated with the guarantees embedded in these products for a number of reasons,
including: provisions for adverse deviation, fund performance, the portion of the interest rate risk that is not dynamically hedged, realized equity and interest rate volatilities and changes to policyholder behaviour. </FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Net favourable investment-related experience in excess of $200 million per annum or net unfavourable investment-related experience on a year-to-date basis. Investment-related
experience relates to fixed income trading, alternative long-duration asset returns, credit experience and asset mix changes. This favourable and unfavourable investment-related experience is a combination of reported investment experience as well
as the impact of investing activities on the measurement of our policy liabilities. The maximum of $200 million per annum to be reported in core earnings compares with an average of over $80 million per quarter of favourable investment-related
experience reported since first quarter 2007. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Mark-to-market gains or losses on assets held in the Corporate and Other segment other than gains on AFS equities and seed money investments in new segregated or mutual funds.
</FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Changes in actuarial methods and assumptions, excluding URR. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">6.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">The impact on the measurement of policy liabilities of changes in product features or new reinsurance transactions, if material. </FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">7.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Goodwill impairment charges. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">8.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains or losses on disposition of a business. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">9.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Material one-time only adjustments, including highly unusual/extraordinary and material legal settlements or other items that are material and exceptional in nature.
</FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">10.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax on the above items. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">11.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Impact of enacted or substantially enacted income tax rate changes. </FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net income attributed to shareholders in accordance with U.S. GAAP </B>is a non-GAAP profitability measure. It shows what the net income would have been if the
Company had applied U.S. GAAP as its primary financial reporting basis. We consider this to be a relevant profitability measure given our large U.S. domiciled investor base and for comparability to our U.S. peers who report under U.S. GAAP.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>80</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Total equity in accordance with U.S. GAAP </B>is a non-GAAP measure. It shows what the total equity would have been
if the Company had applied U.S. GAAP as its primary financial reporting basis. We consider this to be a relevant measure given our large U.S. domiciled investor base and for comparability to our U.S. peers who report under U.S. GAAP. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Core return on common shareholders&#146; equity</B> (&#147;Core ROE&#148;) is a non-GAAP profitability measure that presents core earnings available to common
shareholders as a percentage of the capital deployed to earn the core earnings. The Company calculates Core ROE using average common shareholders&#146; equity. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Diluted core earnings per common share</B> is core earnings available to common shareholders expressed per diluted weighted average common share outstanding. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company also uses financial performance measures that are prepared on a <B>constant currency basis</B>, which exclude the impact of currency fluctuations and
which are non-GAAP measures. Quarterly amounts stated on a constant currency basis in this report are calculated, as appropriate, using the income statement and balance sheet exchange rates effective for the fourth quarter of 2013. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and deposits</B> is a non-GAAP measure of top line growth. The Company calculates premiums and deposits as the aggregate of (i)&nbsp;general fund
premiums, net of reinsurance, reported as premiums on the Consolidated Statements of Income, (ii)&nbsp;segregated fund deposits, excluding seed money, (&#147;deposits from policyholders&#148;), (iii)&nbsp;adding back the premiums ceded related to
FDA coinsurance, (iv)&nbsp;investment contract deposits, (v)&nbsp;mutual fund deposits, (vi)&nbsp;deposits into institutional advisory accounts, (vii)&nbsp;premium equivalents for &#147;administration services only&#148; group benefit contracts
(&#147;ASO premium equivalents&#148;), (viii)&nbsp;premiums in the Canadian Group Benefits reinsurance ceded agreement, and (ix)&nbsp;other deposits in other managed funds. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Premiums and deposits</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Quarterly Results</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Full Year Results&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the periods ended December 31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4Q 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">4Q 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net premium income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,548</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deposits from policyholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,756</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,728</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23,059</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23,533</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Premiums and deposits per financial statements</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,304</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>40,569</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33,727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Add back premiums ceded relating to FDA coinsurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual fund deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>35,890</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Institutional advisory account deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,376</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,744</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">ASO premium equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>746</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,935</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Group benefits ceded premiums</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,404</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other fund deposits</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>114</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">139</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>419</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">497</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total premiums and deposits</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,536</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>88,250</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">75,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency impact</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(229</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,025</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">798</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Constant currency premiums and deposits</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;21,536</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;23,899</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;89,275</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;76,299</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Funds under management</B> is a non-GAAP measure of the size of the Company. It represents the total of the invested asset base
that the Company and its customers invest in. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Funds under management</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December 31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(restated)<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>232,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">227,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Funds under management per financial statements</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>472,580</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">437,129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>91,118</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">59,979</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Institutional advisory accounts (excluding segregated funds)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30,284</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">26,692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other funds</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,951</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,358</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total fund under management</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>598,933</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">531,158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency impact</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,876</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Constant currency funds under management</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;598,933</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;552,034</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to our 2013 Consolidated Financial Statements. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>81</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Capital </B>The definition we use for capital, a non-GAAP measure, serves as a foundation of our capital management
activities at the MFC level. For regulatory reporting purposes, the numbers are further adjusted for various additions or deductions to capital as mandated by the guidelines used by OSFI. Capital is calculated as the sum of: (i)&nbsp;total equity
excluding AOCI on cash flow hedges; and (ii)&nbsp;liabilities for preferred shares and capital instruments. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Capital </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at</B> <B>December 31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29,033</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Add AOCI loss on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>84</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Add liabilities for preferred shares and capital instruments</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total capital</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;33,502</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;29,247</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2012 results were restated to reflect the retrospective application of new IFRS accounting standards effective January&nbsp;1, 2013. For a detailed
description of the change see note 2 to our 2013 Consolidated Financial Statements. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Embedded value</B> is a measure of
shareholders&#146; economic value in the current Consolidated Statements of Financial Position of the Company, excluding any value associated with future new business. Manulife Financial&#146;s embedded value is defined as adjusted IFRS common
shareholders&#146; equity, with adjustments to reflect the fair value of surplus assets and to exclude goodwill and post-tax intangibles, plus the value of future earnings expected from current in-force business. The latter item is calculated net of
the cost of capital, using future mortality, morbidity, policyholder behaviour, expense and investment assumptions that are consistent with the assumptions used in the valuation of our policy liabilities. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>New business embedded value</B> (&#147;NBEV&#148;) is the change in shareholders&#146; economic value as a result of sales in the reporting period. NBEV is
calculated as the present value of expected future earnings, after the cost of capital, on actual new business sold in the period using future mortality, morbidity, policyholder behaviour, expense and investment assumptions that are consistent with
the assumptions used in the valuation of our policy liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales </B>are measured according to product type: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">For total individual insurance, sales include 100&nbsp;per cent of new annualized premiums and 10&nbsp;per cent of both excess and single premiums. For
individual insurance, new annualized premiums reflect the annualized premium expected in the first year of a policy that requires premium payments for more than one year. Sales are reported gross before the impact of reinsurance. Single premium is
the lump sum premium from the sale of a single premium product, e.g., travel insurance. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">For group insurance, sales include new annualized premiums and administrative services only premium equivalents on new cases, as well as the addition of new
coverages and amendments to contracts, excluding rate increases. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">For individual wealth management contracts, all new deposits are reported as sales. This includes individual annuities, both fixed and variable; mutual funds;
college savings 529 plans; and authorized bank loans and mortgages. As we have discontinued sales of new VA contracts in the U.S., beginning in the first quarter of 2013, subsequent deposits into existing U.S. VA contracts will not be considered
sales. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">For group pensions/retirement savings, sales of new regular premiums and deposits reflect an estimate of expected deposits in the first year of the plan with the
Company. Single premium sales reflect the assets transferred from the previous plan provider. Sales include the impact of the addition of a new division or of a new product to an existing client. Total sales include both new regular and single
premiums and deposits. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Total Annualized Insurance and Wealth Premium Equivalent (&#147;APE&#148;) Basis Sales</B> are sales that
comprise 100&nbsp;per cent of regular premium/deposit sales and 10&nbsp;per cent of single premium/deposit sales for both insurance and wealth management products. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_10"></A>Additional Disclosures </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Contractual Obligations </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the normal course of business, the Company enters into contracts that give rise to
obligations fixed by agreement as to the timing and dollar amount of payment. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the Company&#146;s contractual obligations
and commitments are as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Payments due by period</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Less&nbsp;than<BR>1&nbsp;year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">1 &#150; 3 years</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">3 &#150; 5 years</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">After&nbsp;5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,525</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,212</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,513</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>593</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,207</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for capital instruments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,002</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>188</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,068</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Purchase obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>720</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>77</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>512</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>131</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Operating leases</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>795</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>174</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>420</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>518,230</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,295</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>491,811</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,973</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>695</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>343</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,689</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,869</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15,311</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,373</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,951</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>222</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,730</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>940</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total contractual obligations</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;566,065</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;25,193</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;18,480</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;15,007</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;507,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The contractual payments include principal, interest and distributions. The contractual payments reflect the amounts payable from January&nbsp;1, 2014 up to and
including the final contractual maturity date. In the case of floating rate obligations, the floating rate index is based on the interest rates as at December&nbsp;31, 2013 and is assumed to remain constant to the final contractual maturity date.
The Company may have the contractual right to redeem or repay obligations prior to maturity and if such right is exercised, total contractual obligations paid and the timing of payment could vary significantly from the amounts and timing included in
the table. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares &#150; Class&nbsp;A, Series 1 are not included in the contractual obligation table. These preferred shares are redeemable by the
Company by payment of cash or issuance of MFC common shares and are convertible at the option of the holder into MFC common shares on or after December&nbsp;15, 2015. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities cash flows include estimates related to the timing and payment of death and disability claims, policy surrenders, policy
maturities, annuity payments, minimum guarantees on segregated fund products, policyholder dividends, commissions and premium taxes offset by contractual future premiums on in-force contracts. These estimated cash flows are based on the best
estimate assumptions used in the determination of insurance contract liabilities. These amounts are undiscounted and reflect recoveries from reinsurance agreements. Due to the use of assumptions, actual cash flows may differ from these estimates
(see &#147;Policy Liabilities&#148; above). Cash flows include embedded derivatives measured separately at fair value. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the normal
course of business, the Company enters into investment commitments, which are not reflected in the consolidated financial statements. As at December&nbsp;31, 2013, there were $5,070 million of investment commitments (2012 &#150; $2,965 million), of
which $1,950 million matures within one year (2012 &#150; $1,420 million), $2,186 million matures within one to three years (2012 &#150; $879 million), $475 million matures within three to five years (2012 &#150; $316 million) and $459 million
matures after five years (2012 &#150; $350 million). </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Legal and Regulatory Proceedings </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company is regularly involved in legal actions, both as a defendant and as a plaintiff. The legal actions naming the Company as a defendant ordinarily involve its activities as a provider of insurance
protection and wealth management products, as well as an investment adviser, employer and taxpayer. In addition, government and regulatory bodies in Canada, the United States, Asia and other jurisdictions where the Company conducts business
regularly make inquiries and, from time to time, require the production of information or conduct examinations concerning the Company&#146;s compliance with, among other things, insurance laws, securities laws, and laws governing the activities of
broker-dealers. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Two class actions against the Company have been certified and are pending in Quebec (on behalf of Quebec residents only) and Ontario (on
behalf of investors in Canada, other than Quebec). The actions in Ontario and Quebec are based on allegations that the Company failed to meet its disclosure obligations related to its exposure to market price risk in its segregated funds and
variable annuity guaranteed products. The decisions to grant leave and certification have been of a procedural nature only and there has been no determination on the merits of either claim to date. The Company believes that its disclosure satisfied
applicable disclosure requirements and intends to vigorously defend itself against any claims based on these allegations. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Plaintiffs in class action and
other lawsuits against the Company may seek very large or indeterminate amounts, including punitive and treble damages, and the damages claimed and the amount of any probable and estimable liability, if any, may remain unknown for substantial
periods of time. A substantial legal liability or a significant regulatory action could have a significant adverse effect on the Company&#146;s business, results of operations, financial condition and capital position and adversely affect its
reputation. Even if the Company ultimately prevails in the litigation, regulatory action or investigation, it could suffer reputational harm, which could have an adverse effect on its business, results of operations, financial condition and capital
position, including its ability to attract new customers, retain current customers and recruit and retain employees. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Key Planning Assumptions and
Uncertainties </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife&#146;s 2016 management objectives</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">24</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"> do not constitute guidance and are based on certain key planning assumptions, including: current accounting and regulatory
capital standards; no acquisitions; equity market and interest rate assumptions consistent with our long-term assumptions, and favourable investment-related experience included in core earnings. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">24</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See &#147;Caution regarding forward-looking statements&#148; above. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>83</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Quarterly Financial Information </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The following table provides summary information related to our eight most recently completed quarters: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="3" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at and for the three months ended</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions, except per share amounts)<BR>(unaudited)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="14" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="17" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="17" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012 (restated)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Dec 31</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Sep 30</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Jun 30</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Mar 31</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Dec 31</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Sep 30</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Jun 30</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Mar 31</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premium income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life and health insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,956</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,879</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,681</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,837</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,704</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,459</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities and pensions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>592</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>490</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>495</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>580</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">488</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">501</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">626</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">911</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net premium income prior to FDA coinsurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,548</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,369</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,417</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premiums ceded relating to FDA coinsurance<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(5,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,637</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,483</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,345</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,405</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,515</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Realized and unrealized gains (losses) on assets supporting insurance and investment contract liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,788</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,513</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9,355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,961</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,075</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,645</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,966</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,679</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,802</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,039</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,769</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,042</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,305</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,835</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,945</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,439</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,137</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,589</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income (loss) before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,854</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,118</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>570</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,091</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(679</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,316</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax (expense) recovery</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(497</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>103</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">360</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">186</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(68</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,357</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>946</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>308</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>555</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,105</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(319</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(299</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,248</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,034</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>259</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>540</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(211</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(281</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,225</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Basic earnings (loss) per common share</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.57</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Diluted earnings (loss) per common share</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.57</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.63</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds deposits</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,756</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,321</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,516</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,466</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,728</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,625</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,752</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,428</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;498,016</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;498,243</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;497,590</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;479,331</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;478,103</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;463,843</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Weighted average common shares<BR></B>(in millions)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,844</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,839</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,834</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,822</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,816</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,808</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,802</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Diluted weighted average common shares </B>(in millions)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,869</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,864</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,860</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,856</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,854</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,816</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,808</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,919</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Dividends per common share</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>CDN$ to US$1 &#150; Statement of Financial Position</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0640</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0512</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0156</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.9949</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.9837</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.0191</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.9991</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>CDN$ to US$1 &#150; Statement of Income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0494</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0386</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0230</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0083</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.9914</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.9953</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.0105</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.0011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The 2012 IFRS amounts were restated to reflect the retrospective application of new
IFRS accounting standards effective January&nbsp;1, 2013. For a detailed description of the change see note 2 to our 2013 Consolidated Financial Statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">With effective dates of April&nbsp;1, 2012 and July&nbsp;1, 2012, the Company entered into coinsurance agreements to reinsure 89&nbsp;per cent of its book value
fixed deferred annuity business. Under the terms of the agreements, the Company will maintain responsibility for servicing of the policies and some of the assets and has retained the remaining exposure. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">For fixed income assets supporting insurance and investment contract liabilities and for equities supporting pass-through products and derivatives related to
variable hedging programs, the impact of realized and unrealized gains (losses) on the assets is largely offset in the change in insurance and investment contract liabilities. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>84</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s Discussion and Analysis</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Selected Annual Financial Information </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at and for the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions, except per share amounts)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">restated<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP><BR>2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,914</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,955</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,060</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,756</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate and Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,058</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(775</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,198</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,672</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,110</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">50,983</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">461,977</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Long-term financial liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,775</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital instruments</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,949</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,515</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividend per common share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class&nbsp;A Share, Series 1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.025</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.025</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.025</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class&nbsp;A Share, Series 2</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1.16252</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1.16252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1.16252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class&nbsp;A Share, Series 3</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class&nbsp;A Share, Series 4</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.65</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class 1 Share, Series 1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class 1 Share, Series 3</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.05</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.81267</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class 1 Share, Series 5</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class 1 Share, Series 7</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.94678</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class 1 Share, Series 9</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.63062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class 1 Share, Series 11</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.00</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash dividend per Class 1 Share, Series 13</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The 2012 IFRS amounts were restated to reflect the retrospective application of new
IFRS accounting standards effective January&nbsp;1, 2013. For a detailed description of the change see note 2 to our 2013 Consolidated Financial Statements. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Additional Information Available </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Additional information relating to Manulife Financial, including MFC&#146;s
Annual Information Form, is available on the Company&#146;s website at <U>www.manulife.com</U> and on SEDAR at <U>www.sedar.com</U>. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Outstanding
Shares &#150; Selected Information </B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Class&nbsp;A Shares Series 1 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As at February&nbsp;21, 2014, MFC had 14&nbsp;million Class&nbsp;A Shares Series 1 (&#147;Series 1 Preferred Shares&#148;) outstanding at a price of $25.00 per share, for an aggregate amount of $350 million. The
Series 1 Preferred Shares are non-voting and are entitled to non-cumulative preferential cash dividends payable quarterly, if and when declared, at a per annum rate of 4.10%. With regulatory approval, the Series 1 Preferred Shares may be redeemed by
MFC, in whole or in part, at declining premiums that range from $1.25 to nil per Series 1 Preferred Share, by either payment of cash or the issuance of MFC common shares. On or after December&nbsp;19, 2015, the Series 1 Preferred Shares will be
convertible at the option of the holder into MFC common shares, the number of which is determined by a prescribed formula, and is subject to the right of MFC prior to the conversion date to redeem for cash or find substitute purchasers for such
preferred shares. The prescribed formula is the face amount of the Series 1 Preferred Shares divided by the greater of $2.00 and 95% of the then market price of MFC common shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Common Shares </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at February&nbsp;21, 2014, MFC had 1,848,655,645 common shares outstanding. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Management&#146;s&nbsp;Discussion&nbsp;and&nbsp;Analysis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>85</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_11"></A>Responsibility for Financial Reporting </B></FONT></P>
<P STYLE="margin-top:10px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The accompanying consolidated financial statements of Manulife Financial Corporation are the responsibility of management and have been approved by the Board of
Directors. It is also the responsibility of management to ensure that all information in the annual report to shareholders is consistent with these consolidated financial statements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The consolidated financial statements have been prepared by management in accordance with International Financial Reporting Standards and the accounting requirements of the Office of the Superintendent of Financial
Institutions, Canada. When alternative accounting methods exist, or when estimates and judgment are required, management has selected those amounts that present the Company&#146;s financial position and results of operations in a manner most
appropriate to the circumstances. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Appropriate systems of internal control, policies and procedures have been maintained to ensure that financial
information is both relevant and reliable. The systems of internal control are assessed on an ongoing basis by management and the Company&#146;s internal audit department. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The actuary appointed by the Board of Directors (the &#147;Appointed Actuary&#148;) is responsible for ensuring that assumptions and methods used in the determination of policy liabilities are appropriate to the
circumstances and that reserves will be adequate to meet the Company&#146;s future obligations under insurance and annuity contracts. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Board of
Directors is responsible for ensuring that management fulfills its responsibility for financial reporting and is ultimately responsible for reviewing and approving the consolidated financial statements. These responsibilities are carried out
primarily through an Audit Committee of unrelated and independent directors appointed by the Board of Directors. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Audit Committee meets periodically
with management, the internal auditors, the external auditors and the Appointed Actuary to discuss internal control over the financial reporting process, auditing matters and financial reporting issues. The Audit Committee reviews the consolidated
financial statements prepared by management and then recommends them to the Board of Directors for approval. The Audit Committee also recommends to the Board of Directors and shareholders the appointment of external auditors and approval of their
fees. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The consolidated financial statements have been audited by the Company&#146;s external auditors, Ernst&nbsp;&amp; Young LLP, in accordance with
Canadian generally accepted auditing standards and the standards of the Public Company Accounting Oversight Board (United States). Ernst&nbsp;&amp; Young LLP has full and free access to management and the Audit Committee. </FONT></P>
<P STYLE="font-size:30px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655598g88y23.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">


<IMG SRC="g655598g29y49.jpg" ALT="LOGO">
</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Donald A. Guloien</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">President and Chief Executive Officer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Steve B. Roder</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Senior Executive Vice President and Chief Financial Officer</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Toronto, Canada </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">February 26, 2014
</FONT></P> <P STYLE="margin-top:24px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Appointed Actuary&#146;s Report to the Shareholders </B></FONT></P> <P STYLE="margin-top:10px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">I have valued the policy liabilities of Manulife Financial Corporation for its Consolidated Statements of Financial Position as at December&nbsp;31, 2013 and 2012 and their change in the Consolidated Statements of
Income for the years then ended in accordance with actuarial practice generally accepted in Canada, including selection of appropriate assumptions and methods. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In my opinion, the amount of policy liabilities makes appropriate provision for all policyholder obligations and the consolidated financial statements fairly present the results of the valuation. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655598g38l90.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Cindy Forbes, F.C.I.A. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Executive Vice President and Appointed Actuary </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Toronto, Canada
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">February&nbsp;26, 2014 </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>86</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Independent Auditors&#146; Report of Registered Public Accounting Firm </B></FONT></P>
<P STYLE="margin-top:10px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>To the Shareholders of Manulife Financial Corporation </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We
have audited the accompanying consolidated financial statements of Manulife Financial Corporation, which comprise the Consolidated Statements of Financial Position as at December&nbsp;31, 2013 and 2012, and the Consolidated Statements of Income,
Comprehensive Income, Changes in Equity and Cash Flows for the years then ended, and a summary of significant accounting policies and other explanatory information. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Management&#146;s responsibility for the consolidated financial statements </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Management is responsible for the
preparation and fair presentation of these consolidated financial statements in accordance with International Financial Reporting Standards as issued by the International Accounting Standards Board, and for such internal control as management
determines is necessary to enable the preparation of consolidated financial statements that are free from material misstatement, whether due to fraud or error. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Auditors&#146; responsibility </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Our responsibility is to express an opinion on these consolidated financial
statements based on our audits. We conducted our audits in accordance with Canadian generally accepted auditing standards and the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we comply with
ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free from material misstatement. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures selected depend on the auditors&#146; judgment, including
the assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or error. In making those risk assessments, the auditors consider internal control relevant to the entity&#146;s preparation and fair
presentation of the consolidated financial statements in order to design audit procedures that are appropriate in the circumstances. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the
consolidated financial statements, evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We believe that the audit evidence we have obtained in our audits is sufficient and appropriate to provide a basis for our audit opinion. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Opinion </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In our opinion, the consolidated financial
statements present fairly, in all material respects, the financial position of Manulife Financial Corporation as at December&nbsp;31, 2013 and 2012, and its financial performance and its cash flows for the years then ended in accordance with
International Financial Reporting Standards as issued by the International Accounting Standards Board. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As explained in Note 2 to the consolidated
financial statements, in 2013, Manulife Financial Corporation adopted IFRS 10 &#147;Consolidated Financial Statements&#148; and the amendments to IAS 19 &#147;Employee Benefits.&#148; </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Other matter </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We have also audited, in accordance with the standards of the Public Company Accounting Oversight
Board (United States), Manulife Financial Corporation&#146;s internal control over financial reporting as of December&nbsp;31, 2013, based on the criteria established in <I>Internal Control &#150; Integrated Framework</I> issued by the Committee of
Sponsoring Organizations of the Treadway Commission (1992 framework) and our report dated February 26, 2014, expressed an unqualified opinion on Manulife Financial Corporation&#146;s internal control over financial reporting. </FONT></P>
<P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655598g53k27.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Chartered Accountants </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Licensed
Public Accountants </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Toronto, Canada, </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">February 26, 2014.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated Financial Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>87</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Independent Auditors&#146; Report on Internal Control Under Standards of The Public Company Accounting Oversight
Board (United States) </B></FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>To the Shareholders of Manulife Financial Corporation </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">We have audited Manulife Financial Corporation&#146;s internal control over financial reporting as of December&nbsp;31, 2013, based on criteria established in Internal Control &#150; Integrated Framework issued by
the Committee of Sponsoring Organizations of the Treadway Commission (1992 framework) (the COSO criteria). Manulife Financial Corporation&#146;s management is responsible for maintaining effective internal control over financial reporting, and for
its assessment of the effectiveness of internal control over financial reporting included in the Management&#146;s Report on Internal Controls over Financial Reporting contained in the Management&#146;s Discussion and Analysis. Our responsibility is
to express an opinion on the company&#146;s internal control over financial reporting based on our audit. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We conducted our audit in accordance with the
standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in
all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the design and operating effectiveness of internal control
based on the assessed risk, and performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">A company&#146;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for
external purposes in accordance with generally accepted accounting principles. A company&#146;s internal control over financial reporting includes those policies and procedures that [1]&nbsp;pertain to the maintenance of records that, in reasonable
detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; [2]&nbsp;provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with
generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and [3]&nbsp;provide reasonable assurance regarding
prevention or timely detection of unauthorized acquisition, use or disposition of the company&#146;s assets that could have a material effect on the financial statements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk
that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In our opinion, Manulife Financial Corporation maintained, in all material respects, effective internal control over financial reporting as of December&nbsp;31,
2013 based on the COSO criteria<B>.</B> </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">We also have audited, in accordance with Canadian generally accepted auditing standards and the standards of the
Public Company Accounting Oversight Board (United States), the Consolidated Statements of Financial Position as at December&nbsp;31, 2013 and 2012, and the Consolidated Statements of Income, Comprehensive Income, Changes in Equity and Cash Flows for
the years then ended of Manulife Financial Corporation and our report dated February 26, 2014, expressed an unqualified opinion thereon. </FONT></P> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655598g53k27.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Chartered Accountants </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Licensed
Public Accountants </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Toronto, Canada, </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">February 26, 2014.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>88</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_11"></A>Consolidated Statements of Financial Position </B></FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(Canadian $ in millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>ASSETS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>114,957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">119,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,075</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policy loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,708</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other invested assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,495</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,547</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total invested assets</B> (note 4)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>232,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">227,932</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Accrued investment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,813</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,792</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Outstanding premiums</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>734</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,009</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives (note 5)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,673</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinsurance assets (note 8)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred tax assets (note 6)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,763</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill and intangible assets (note 7)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,298</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Miscellaneous</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,390</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total other assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>41,048</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47,869</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds net assets</B> (note 23)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>LIABILITIES and EQUITY</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities (note 8)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>193,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities (note 9)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,524</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,869</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives (note 5)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,929</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred tax liabilities (note 6)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,383</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,918</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>235,564</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">241,693</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt (note 12)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,775</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital instruments (note 13)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds net liabilities</B> (note 23)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;484,595</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;459,839</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred shares (note 14)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,693</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Common shares (note 14)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,234</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19,886</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Contributed surplus</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>256</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,294</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; accumulated other comprehensive income (loss):</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension and other post-employment plans (note 2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(452</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(84</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Translation of foreign operations</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>258</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(709</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28,523</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">301</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29,033</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,159</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The accompanying notes are an integral part of these Consolidated Financial Statements. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655598g88y23.jpg" ALT="LOGO">
</P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655598g29r80.jpg" ALT="LOGO">
</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Donald A. Guloien</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">President and Chief Executive Officer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Richard B. DeWolfe</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Chairman of the Board of
Directors</FONT></P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated Financial Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>89</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Consolidated Statements of Income </B></FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(Canadian $ in millions except per share amounts)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premium income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross premiums</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;24,892</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;24,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premiums ceded to reinsurers</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,382</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,194</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net premium income prior to fixed deferred annuity coinsurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premiums ceded relating to fixed deferred annuity coinsurance (note 8(c))</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,229</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,194</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment income (note 4)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,870</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Realized and unrealized gains (losses) on assets supporting insurance and investment contract
liabilities and macro hedge program</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(17,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,825</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment income (loss)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,627</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,289</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,672</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,110</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Contract benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">To contract holders and beneficiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Death, disability and other claims</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,005</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,527</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Maturity and surrender benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,683</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,786</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuity payments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,504</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policyholder dividends and experience rating refunds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,103</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net transfers from segregated funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(624</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>162</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Ceded benefits and expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(5,924</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in reinsurance assets (note 8(c))</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,526</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8,065</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net benefits and claims</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,853</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">General expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,624</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment expenses (note 4)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commissions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,920</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,045</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net premium taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>311</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment (note 7)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total contract benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14,925</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,867</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income before income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax (expense) recovery (note 6)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">492</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="6"></TD>
<TD HEIGHT="6" COLSPAN="4"></TD>
<TD HEIGHT="6" COLSPAN="2"></TD>
<TD HEIGHT="6" COLSPAN="4"></TD>
<TD HEIGHT="6" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income attributed to shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred share dividends</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(131</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(112</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Common shareholders&#146; net income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,999</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,698</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="6"></TD>
<TD HEIGHT="6" COLSPAN="4"></TD>
<TD HEIGHT="6" COLSPAN="2"></TD>
<TD HEIGHT="6" COLSPAN="4"></TD>
<TD HEIGHT="6" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Earnings per share</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Basic earnings per common share</B> (note 11)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.63</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Diluted earnings per common share</B> (note 11)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.62</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Dividends per common share</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.52</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The accompanying notes are an integral part of these Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>90</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Consolidated Statements of Comprehensive Income </B></FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(Canadian $ in millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other comprehensive income (&#147;OCI&#148;) (loss), net of tax</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Items that will not be reclassified to net income:</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in pension and other post-employment plans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>201</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">86</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total items that will not be reclassified to net income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>201</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">86</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Items that may be subsequently reclassified to net income:</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign exchange gains (losses) on:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Translation of foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(812</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Available-for-sale financial securities:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unrealized gains (losses) arising during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(171</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclassification of realized (gains) losses and impairments to net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>131</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash flow hedges:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unrealized gains arising during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>93</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclassification of realized losses to net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Share of other comprehensive loss of associates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total items that may be subsequently reclassified to net income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,028</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(451</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other comprehensive income (loss), net of tax</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,229</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(365</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total comprehensive income, net of tax</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,395</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,370</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total comprehensive income (loss) attributed to:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,360</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,445</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Income Taxes included in Other Comprehensive Income (Loss) </B></FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(Canadian $ in millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income tax (recovery) expense on</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Items that will not be reclassified to net income:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in pension and other post-employment plans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">51</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total items that will not be reclassified to net income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">51</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Items that may be subsequently reclassified to net income:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unrealized foreign exchange gains/losses on translation of foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unrealized foreign exchange gains/losses on net investment hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unrealized gains/losses on available-for-sale financial securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclassification of realized gains/losses and recoveries/impairments to net income on available-for-sale financial
securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>57</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unrealized gains/losses on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclassification of realized gains/losses to net income on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Share of other comprehensive loss of associates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total income tax expense on items that may be subsequently reclassified to net
income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">157</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total income tax expense</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>132</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;208</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The accompanying notes are an integral part of these Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated Financial Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>91</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Consolidated Statements of Changes in Equity </B></FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(Canadian $ in millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Preferred shares</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,497</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued (note 14)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issuance costs, net of tax</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,693</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,497</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Common shares</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,886</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19,560</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued on exercise of stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued under dividend reinvestment and share purchase plans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>331</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">326</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,234</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19,886</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Contributed surplus</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>257</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Exercise of stock options and deferred share units</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Stock option expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Acquisition of non-controlling interest</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>256</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">257</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Shareholders&#146; retained earnings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,256</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect of accounting change (note 2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income attributed to shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred share dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(131</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Common share dividends</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(961</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(947</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,294</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,256</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Shareholders&#146; accumulated other comprehensive income (loss) (&#147;AOCI&#148;)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,184</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect of accounting change (note 2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(915</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in unrealized foreign exchange gains (losses) of net foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>967</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in actuarial gains (losses) on pension and other post-employment plans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>201</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in unrealized gains (losses) on available-for-sale financial securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">262</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in unrealized gains (losses) on derivative instruments designated as cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Share of other comprehensive loss of associates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,184</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total shareholders&#146; equity, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;28,523</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;24,712</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Participating policyholders&#146; equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net loss attributed to participating policyholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(103</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">146</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Non-controlling interests</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>301</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect of accounting change (note 2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income attributed to non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other comprehensive loss attributed to non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Contributions, net</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">301</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29,033</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,159</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The accompanying notes are an integral part of these Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>92</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Consolidated Statements of Cash Flows </B></FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(Canadian $ in millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Operating activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments for non-cash items in net income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase in investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>162</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">(Increase) decrease in reinsurance assets, net of premium ceded relating to FDA coinsurance (note 8(c))</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,526</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(836</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Amortization of premium/discount on invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>426</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net realized and unrealized (gains) losses and impairments on assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,786</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gain on sale of Taiwan insurance business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(479</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred income tax expense (recovery)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,526</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Stock option expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income adjusted for non-cash items</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;12,944</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;10,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in policy related and operating receivables and payables</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,236</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(198</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by operating activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,708</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,795</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Purchases and mortgage advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(67,801</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(81,775</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposals and repayments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>57,721</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">71,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in investment broker net receivables and payables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net cash decrease from sale and purchase of subsidiaries and businesses</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(359</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash used in investing activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(10,547</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(10,835</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Financing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in repurchase agreements and securities sold but not yet purchased</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(471</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repayment of long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issue of capital instruments, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>448</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repayment of capital instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net redemption of investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Funds repaid, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Secured borrowing from securitization transactions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>750</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in bank deposits, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>981</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders dividends paid in cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(761</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Contributions from non-controlling interests, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Common shares issued, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred shares issued, net</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">684</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by financing activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>493</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">740</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash and short-term securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(346</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect of foreign exchange rate changes on cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>479</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,753</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,266</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,886</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,753</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash and short-term securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Beginning of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,386</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net payments in transit, included in other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(633</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(533</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net cash and short-term securities, January&nbsp;1</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,753</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,266</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>End of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net payments in transit, included in other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(744</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(633</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net cash and short-term securities, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,886</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,753</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Supplemental disclosures on cash flow information</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest received</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,616</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,668</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,046</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income taxes paid</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">466</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:1%; text-indent:-1%"><FONT STYLE="font-family:ARIAL" SIZE="1">The accompanying notes are an integral part of these Consolidated Financial Statements. </FONT></P>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated Financial Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>93</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P>&nbsp;</P> <P STYLE="font-size:120px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:120px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:72px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">(This page intentionally left blank.) </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>94</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_12"></A>Notes to Consolidated Financial Statements </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="80%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Page&nbsp;Number</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Note</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">96</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_20">Nature of Operations and Significant Accounting Policies</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">103</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;2</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_21">Accounting and Reporting Changes</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">107</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;3</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_22">Disposition</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">107</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;4</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_23">Invested Assets and Investment Income</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">112</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;5</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_24">Derivative and Hedging Instruments</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">117</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;6</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_25">Income Taxes</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">120</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;7</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_26">Goodwill and Intangible Assets</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">122</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;8</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_27">Insurance Contract Liabilities and Reinsurance Assets</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">130</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;9</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_28">Investment Contract Liabilities</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">131</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;10</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_29">Risk Management</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">138</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;11</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_30">Fair Value Measurement</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">142</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;12</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_31">Long-Term Debt</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">142</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;13</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_32">Liabilities for Preferred Shares and Capital Instruments</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">143</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;14</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_33">Share Capital and Earnings Per Share </A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">144</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;15</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_34">Capital Management</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">146</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;16</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_35">Stock-Based Compensation</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">147</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;17</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_36">Employee Future Benefits</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">152</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;18</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_37">Interests in Structured Entities</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">155</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;19</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_38">Commitments and Contingencies</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">157</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;20</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_39">Segmented Information</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">158</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;21</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_40">Related Parties</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">159</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;22</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_41">Subsidiaries</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">161</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;23</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_42">Segregated Funds</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">162</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;24</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_43">Information Provided in Connection with Investments in Deferred Annuity Contracts and <I>Signature</I>Notes Issued or Assumed by John Hancock Life Insurance Company (U.S.A.)
</A></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">168</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;25</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_43a">Subsequent Event</A>s</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">168</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Note&nbsp;26</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.20em; text-indent:-1.20em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#tx655598_44">Comparatives </A></FONT></P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>95</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>Notes to Consolidated Financial Statements </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(Canadian $ in millions except per share amounts or unless otherwise stated) </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_20"></A>Note
1&nbsp;&nbsp;&nbsp;&nbsp;Nature of Operations and Significant Accounting Policies </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Reporting entity </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife Financial Corporation
(&#147;MFC&#148;) is a publicly traded life insurance company and the holding company of The Manufacturers Life Insurance Company (&#147;MLI&#148;), a Canadian life insurance company, and John Hancock Reassurance Company Ltd. (&#147;JHRECO&#148;), a
Bermuda reinsurance company. MFC and its subsidiaries (collectively, &#147;Manulife Financial&#148; or the &#147;Company&#148;) is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States.
Manulife Financial&#146;s international network of employees, agents and distribution partners offers financial protection and wealth management products and services to personal and business clients as well as asset management services to
institutional customers. The Company operates as Manulife Financial in Canada, Manulife in Asia and primarily as John Hancock in the United States. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC
is domiciled in Canada and incorporated under the Insurance Companies Act (Canada) (&#147;ICA&#148;). These Consolidated Financial Statements have been prepared in accordance with International Financial Reporting Standards (&#147;IFRS&#148;) as
issued by the International Accounting Standards Board (&#147;IASB&#148;) and the accounting requirements of the Office of the Superintendent of Financial Institutions, Canada (&#147;OSFI&#148;). None of the accounting requirements of OSFI are
exceptions to IFRS. As outlined in note 1 (h)&nbsp;below, IFRS does not currently prescribe an insurance contract measurement model and therefore, as permitted by IFRS 4 &#147;Insurance Contracts&#148;, insurance contract liabilities continue to be
measured using the Canadian Asset Liability Method (&#147;CALM&#148;). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">These Consolidated Financial Statements should be read in conjunction with
&#147;Risk Management and Risk Factors&#148; in the 2013 Management&#146;s Discussion and Analysis (&#147;MD&amp;A&#148;) dealing with IFRS 7 &#147;Financial Instrument: Disclosures&#148; as the discussion on market risk and liquidity risk includes
disclosures that are considered an integral part of these Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">These Consolidated Financial Statements of MFC as at and
for the year ended December&nbsp;31, 2013 were authorized for issue by the Board of Directors on February&nbsp;26, 2014. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Basis of preparation </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The preparation of the Consolidated
Financial Statements in conformity with IFRS requires management to make judgments, estimates and assumptions that affect the application of accounting policies and the reported amounts of assets, liabilities, and the disclosure of contingent assets
and liabilities as at the date of the Consolidated Financial Statements, and the reported amounts of revenue and expenses during the reporting periods. Actual results may differ from these estimates. The most significant estimation processes relate
to the assumption used in measuring insurance and investment contract liabilities, assessing assets for impairment, determination of pension and other post-employment benefit obligation and expense assumptions, determining income taxes and uncertain
tax positions, fair valuation of certain financial instruments, eligibility of hedge accounting requirements, assessment of relationships with other entities for consolidation and the measurement and disclosure of contingent liabilities. Estimates
and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognized in the year in which the estimates are revised and in any future years affected. Although some variability is inherent in these estimates,
management believes that the amounts recorded are appropriate. The significant accounting policies used and the most significant judgments made by management in applying these accounting policies in the preparation of these Consolidated Financial
Statements are summarized below. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Basis of consolidation </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC consolidates the financial
statements of all entities, including certain structured entities that it controls. Subsidiaries are entities controlled by the Company. The Company has control over an entity when the Company has the power to govern the financial and operating
policies of the entity, is exposed to variable returns from its activities which are significant in relation to the total variable returns of the entity and the Company is able to use its power over the entity to affect its share of variable
returns. In assessing control, significant judgment is applied while considering all relevant facts and circumstances. When assessing decision making power, the Company considers the extent of its rights relative to the management of an entity, the
level of voting rights held in an entity which are potentially or presently exercisable, the existence of any contractual management agreements which may provide the Company with power over an entity&#146;s financial and operating policies and to
the extent of minority ownership in an entity, if any, the possibility for de facto control being present. When assessing returns, the Company considers the significance of direct and indirect financial and non-financial variable returns to the
Company from an entity&#146;s activities in addition to the proportionate significance of such returns. The Company also considers the degree to which its interests are aligned with those of other parties investing in an entity and the degree to
which it may act in its own interest. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The financial statements of the subsidiaries and controlled structured entities are included in the Company&#146;s
consolidated results from the date control is established and are excluded from consolidation from the date control ceases. The initial control assessment is performed at inception and is reconsidered at a later date if the Company acquires or loses
power over the key operating and financial policies of the entity; acquires additional interests or disposes of interests in the entity; the contractual arrangements of the entity are amended such that the Company&#146;s proportionate exposure to
variable returns changes; or if the Company&#146;s ability to use its power to affect its variable returns from the entity changes. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>96</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s Consolidated Financial Statements have been prepared using uniform accounting policies for like
transactions and events in similar circumstances. Intercompany balances, and income and expenses arising from intercompany transactions, have been eliminated in preparing the Consolidated Financial Statements. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Non-controlling interests are interests of other parties in the equity of the Company&#146;s subsidiaries and are presented within total equity, separate from the
equity of MFC&#146;s shareholders. Non-controlling interests in the net income and other comprehensive income (&#147;OCI&#148;) of MFC&#146;s subsidiaries and consolidated structured entities are included in total net income and total other
comprehensive income, respectively. An exception to this occurs where the subsidiary or consolidated structured entity&#146;s shares are required to be redeemed for cash on a fixed or determinable date, in which case non-controlling interests in the
subsidiary&#146;s capital are presented as liabilities of the Company and non-controlling interests in the subsidiary&#146;s income and OCI are recorded as expenses of the Company. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The equity method of accounting is used to account for entities over which the Company has significant influence (&#147;associate&#148;), whereby the Company records its share of the associate&#146;s net assets and
financial results using uniform accounting policies for similar transactions and events. Significant judgment is used to determine whether voting rights, contractual management and other relationships with the entity, if any, provide the Company
with significant influence over the entity. Gains and losses on the sale of associates are included in income when realized, while impairment losses are recognized immediately when there is objective evidence of impairment. Gains and losses on
transactions with associates are eliminated to the extent of the Company&#146;s interest in the associate. Investments in associates are included in other invested assets on the Company&#146;s Consolidated Statements of Financial Position.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Invested assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Invested assets that are considered
financial instruments are classified as fair-value-through-profit-or-loss (&#147;FVTPL&#148;), loans and receivables, or as available-for-sale (&#147;AFS&#148;) financial assets. The Company determines the classification of its financial assets at
initial recognition. Invested assets are recognized initially at fair value plus, in the case of investments not at FVTPL, directly attributable transaction costs. Invested assets are classified as financial instruments at FVTPL if they are held for
trading, or if they are designated by management under the fair value option, or if a derivative is embedded in the investment. Invested assets classified as AFS are non-derivative financial assets that do not fall into any of the other categories
described above. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Valuation methods for the Company&#146;s invested assets are described below. All fair value valuations are performed in accordance
with IFRS 13 &#147;Fair Value Measurement&#148;. The three levels of the fair value hierarchy and the disclosure of the fair value for financial instruments not carried at fair value on the Consolidated Statements of Financial Position are described
in note 11. Fair valuations are performed both internally by the Company and externally by third party service providers. When third party service providers are engaged the Company performs a variety of procedures to corroborate pricing information.
These procedures may include, but are not limited to, inquiry and review of valuation techniques, inputs to the valuation and vendor controls reports. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash and short-term securities comprise cash, current operating accounts, overnight bank and term deposits, and fixed income securities held for the purpose of
meeting short-term cash commitments. Short-term securities are carried at their fair values. Short-term securities are comprised of investments due to mature within one year of the date of purchase. Carrying value of these instruments approximates
fair value due to their short-term maturities and they are generally classified as Level 1. Commercial paper and discount notes are classified as Level 2 because these securities are typically not actively traded. Net payments in transit and
overdraft bank balances are included in other liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Debt securities are carried at fair value. Debt securities are generally valued by
independent pricing vendors using proprietary pricing models incorporating current market inputs for similar instruments with comparable terms and credit quality (matrix pricing). The significant inputs include, but are not limited to, yield curves,
credit risks and spreads, measures of volatility and prepayment rates. These debt securities are classified as Level 2, but can be Level 3 if the significant inputs are unobservable. Realized gains and losses on sale of debt securities and
unrealized gains and losses on debt securities designated as FVTPL are recognized in investment income immediately. Unrealized gains and losses on AFS debt securities are recorded in OCI, with the exception of unrealized gains and losses on foreign
currency translation which are included in income. Impairment losses on AFS debt securities are recognized in income when there is objective evidence of impairment. Impairment is considered to have occurred, based on management&#146;s judgment, when
it is deemed probable that the Company will not be able to collect all amounts due according to contractual terms of the debt security. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Equities are
comprised of common and preferred equities and are carried at fair value. Equities are classified as Level 1, as fair values are based on quoted market prices. Realized gains and losses on sale of equities and unrealized gains and losses on equities
designated as FVTPL are recognized in investment income immediately. Unrealized gains and losses on AFS equities are recorded in OCI. Impairment losses on AFS equities are recognized in income on an individual security basis when there is objective
evidence of impairment. Impairment is considered to have occurred when fair value has declined below cost by significant amounts or for prolonged periods of time. Judgment is applied in determining whether the decline is significant or prolonged.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgages are carried at amortized cost less allowance for impairment losses, if any, and are classified as Level 3 due to the observability and
significance of valuation inputs. Realized gains and losses are recorded in investment income immediately. When mortgages are impaired or when contractual payments are more than 90 days in arrears, contractual interest is no longer accrued.
Contractual interest accruals are resumed once the contractual payments are no longer in arrears and are considered current. Impairment losses are recorded on mortgages when there is no longer reasonable assurance as to the timely collection of the
full amount of principal and interest and are measured based on the discounted value of expected future cash flows at the original </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>97</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
effective interest rates inherent in the mortgages. Expected future cash flows are typically determined in reference to the fair value of collateral security underlying the mortgages, net of
expected costs of realization and any applicable insurance recoveries. Significant judgment is applied in the determination of impairment including the timing and account of future collections. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company accounts for insured mortgage securitizations as secured financing transactions since the criteria for sale accounting are not met. For these
transactions, the Company continues to recognize the mortgages and records a liability in other liabilities for the amount owed at maturity. Interest income on the mortgages and interest expense on the borrowing are recorded using the effective
interest rate method. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Private placements, which include corporate loans for which there is no active market, are carried at amortized cost less
allowance for impairments. Realized gains and losses are recorded in income immediately. When private placements are considered impaired, contractual interest is no longer accrued. Contractual interest accruals are resumed once the investment is no
longer considered to be impaired. Impairment losses are recorded on private placements when there is no longer assurance as to the timely collection of the full amount of principal and interest. Impairment is measured based on the discounted value
of expected future cash flows at the original effective interest rates inherent in the loans. Significant judgment is applied in the determination of impairment including the timing and amount of future collections. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Policy loans are carried at an amount equal to their unpaid balance. Policy loans are fully collateralized by the cash surrender value of the underlying policies.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Bank loans are carried at unpaid principal less allowance for credit losses, if any. When bank loans are impaired or when contractual payments are more
than 90 days in arrears, contractual interest is no longer accrued. Contractual interest accruals are resumed once the contractual payments are no longer in arrears and are considered current. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Once established, allowances for impairment of mortgages, private placements and bank loans are reversed only if the conditions that caused the impairment no longer exist. Reversals of impairment charges on AFS
debt securities are only recognized in income to the extent that increases in fair value can be attributed to events subsequent to the impairment loss being recorded. Impairment losses for AFS equity instruments are not reversed through income. On
disposition of an impaired asset, any allowance for impairment is released. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In addition to impairment and provisions for loan losses (recoveries)
reported in investment income, the measurement of policy liabilities and the investment return assumptions include expected future assets credit losses on fixed income investments. Refer to note 8(e). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest income is recognized on debt securities, mortgages, private placements, policy loans and bank loans as it accrues and is calculated by using the effective
interest rate method. Premiums, discounts and transaction costs are amortized over the life of the underlying investment using the effective yield method for all debt securities as well as mortgages and private placements measured at amortized cost.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company records purchases and sales of invested assets on a trade date basis, except for originated loans which are recognized on a settlement date
basis. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Real estate consists of both own use and investment property. Own use property is carried at cost less accumulated depreciation and any
accumulated impairment losses. Depreciation is calculated based on the cost of an asset less its residual value and is recognized in income on a straight-line basis over the estimated useful life ranging from 30 to 60 years. Impairment losses are
recorded in income to the extent the recoverable amount is less than the carrying amount. Where own use property is included in assets backing insurance contract liabilities the fair value of own use property is used in the valuation of insurance
contract liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment property is property held to earn rental income, for capital appreciation, or both. Investment property is measured at
fair value with changes in fair value recognized in income. Fair value is determined using external appraisals that are based on the highest and best use of the property. The valuation techniques used include discounted cash flows, direct
capitalization method as well as comparable sales analysis and include both observable and unobservable inputs. Inputs include existing and assumed tenancies, market data from recent comparable transactions, future economic outlook and market risk
assumptions, capitalization rates and internal rates of return. Investment property is classified as Level 3. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Other invested assets include private
equity and property investments held in power and infrastructure and timber as well as the agriculture and oil and gas sectors. Private equity investments are accounted for as associates using the equity method (as described in note 1(c) above) or
are classified as FVTPL or AFS and carried at fair value. Investments in oil and gas exploration and evaluation costs are measured on a &#147;successful efforts&#148; basis. Timber and agriculture properties are measured at fair value with changes
in fair value recognized in income. The fair value of other invested assets is determined using a variety of valuation techniques as described in note&nbsp;11. Other invested assets that are measured at fair value are classified as Level 3.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Other invested assets also include investments in leveraged leases, which are accounted for using the equity method. The carrying value under the equity
method reflects the amortized cost of the lease receivable and related non-recourse debt using the effective yield method. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(e)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Goodwill and intangible assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Goodwill represents the
difference between the purchase cost of the business acquisition and the Company&#146;s proportionate share of the net identifiable assets acquired and liabilities and certain contingent liabilities assumed. It is initially recorded at cost and
subsequently measured at cost less accumulated impairment. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Goodwill is tested for impairment at least annually or whenever events or changes in circumstances indicate that the
carrying amounts may not be recoverable at the cash generating unit (&#147;CGU&#148;) or group of CGUs level. The Company allocates goodwill to CGUs or groups of CGUs for the purpose of impairment testing based on the lowest level within the entity
in which the goodwill is monitored for internal management purposes. The allocation is made to those CGUs or groups of CGUs that are expected to benefit from the business combination in which the goodwill arose. Any potential impairment of goodwill
is identified by comparing the recoverable amount of a CGU or group of CGUs to its carrying value. Goodwill is reduced by the amount of deficiency, if any. If the deficiency exceeds the carrying amount of goodwill, the carrying values of the
remaining assets in the CGU or group of CGUs are reduced by the excess on a pro-rata basis. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The recoverable amount of a CGU is the higher of the
estimated fair value less costs to sell or value-in-use of the CGU. In assessing value-in-use, the estimated future cash flows are discounted using a pre-tax discount rate that reflects current market assessments of the time value of money and the
risks specific to the asset. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Intangible assets with indefinite useful lives specifically include the John Hancock brand name and certain investment
management contracts. This assessment is based on the brand name being protected in the markets where branded products are sold by trademarks, which are renewable indefinitely, and for certain investment management contracts the ability to renew the
contract indefinitely. There are no legal, regulatory or contractual provisions that limit the useful lives of these intangible assets. An intangible asset with an indefinite useful life is not amortized but is subject to an annual impairment test
which is performed more frequently if there is an indication that it is not recoverable. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Intangible assets with finite useful lives include the
Company&#146;s distribution networks, certain investment management contracts, capitalized software and other contractual rights. Software intangible assets are amortized on a straight-line basis over their estimated useful lives of three to five
years. Distribution networks and other finite life intangible assets are amortized over their estimated useful lives, which vary from three to 68 years, in relation to the associated gross margin from the related business. They are assessed for
indicators of impairment at each reporting period, or more frequently when events or changes in circumstances dictate. If any indication of impairment exists, these assets are subject to an impairment test. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(f)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Miscellaneous assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Miscellaneous assets include defined
benefit assets (refer to note 1(n)), deferred acquisition costs and capital assets. Deferred acquisition costs are carried at cost less accumulated amortization. These costs are recognized over the period where redemption fees may be charged or over
the period revenue is earned. Capital assets are carried at cost less accumulated amortization computed on a straight-line basis over their estimated useful lives, which vary from two to 10 years. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(g)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Segregated funds </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company manages a number of segregated
funds on behalf of policyholders. The investment returns on these funds are passed directly to the policyholders. In some cases, the Company has provided guarantees associated with these funds. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Segregated funds net assets are recorded at fair value and primarily include investments in mutual funds, debt securities, equities, real estate, short-term
investments and cash and cash equivalents. In assessing the Company&#146;s degree of control over the underlying investments, the Company considers the scope of its decision making rights, the rights held by other parties, its remuneration as an
investment manager and its exposure to the variability of returns. The Company has determined that it does not have control over the underlying investments as it acts as an agent on behalf of segregated fund policyholders. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The methodology applied to determine the fair value of the investments held in segregated funds is consistent with that applied to investments held by the general
fund, as described above in note 1(d). Segregated funds net liabilities are measured based on the value of the segregated funds net assets. The segregated fund assets and liabilities are presented on separate lines on the Consolidated Statements of
Financial Position. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment returns on segregated fund assets belong to policyholders and the Company does not bear the risk associated with these
assets outside of guarantees offered on certain variable life and annuity products, for which the underlying investment is segregated funds. Accordingly, investment income earned by the segregated funds and expenses incurred by the segregated funds
are offset and are not separately presented in the Consolidated Statements of Income. Fee income earned by the Company for managing the segregated funds is included in other revenue. Refer to note 23. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The liabilities related to the guarantees associated with certain funds, as a result of certain variable life and annuity contracts, are recorded within the
Company&#146;s insurance contract liabilities. The Company holds assets supporting these guarantees which are recognized in invested assets according to their investment type. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(h)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance and investment contract liabilities </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Contract
classification </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Most contracts issued by the Company are considered insurance, investment or service contracts. Contracts under which the Company
accepts significant insurance risk from a policyholder are classified as insurance contracts in the Consolidated Financial Statements. A contract is considered to have significant insurance risk if, and only if, an insured event could cause an
insurer to make significant additional payments in any scenario, excluding scenarios that lack commercial substance at the inception of the contract. Contracts under which the Company does not accept significant insurance risk are classified as
either investment contracts or considered service contracts and are accounted for in accordance with IAS 39 &#147;Financial Instruments: Recognition and Measurement&#148; or IAS 18 &#147;Revenue&#148;, respectively. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>99</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Once a contract has been classified as an insurance contract, it remains an insurance contract for the remainder of
its term, even if the insurance risk reduces significantly during this period, unless all rights and obligations are extinguished or expire. Investment contracts can be reclassified as insurance contracts if insurance risk subsequently becomes
significant. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance contract liabilities </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Insurance contract liabilities, net of reinsurance assets, represent the amount which, together with estimated future premiums and net investment income, will be
sufficient to pay estimated future benefits, policyholder dividends and refunds, taxes (other than income taxes) and expenses on policies in-force. Insurance contract liabilities are presented gross of reinsurance assets on the Consolidated
Statements of Financial Position. The Company&#146;s Appointed Actuary is responsible for determining the amount of insurance contract liabilities in accordance with standards established by the Canadian Institute of Actuaries. Insurance contract
liabilities, net of reinsurance assets, have been determined using CALM as permitted by IFRS 4 &#147;Insurance Contracts&#148;. Refer to note 8. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment contract liabilities and deposits </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment
contract liabilities include contracts issued to retail and institutional investors that do not contain significant insurance risk. Investment contract liabilities and deposits are measured at amortized cost, or at fair value, if elected, to ensure
consistent measurement and reduce accounting mismatches between the assets supporting the contracts and the liabilities. The liability is derecognized when the contract expires, is discharged or is cancelled. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Embedded derivatives </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Derivatives embedded within insurance
contracts are separated if they are not considered to be closely related to the host insurance contract and do not meet the definition of an insurance contract. These embedded derivatives are presented separately in other assets or other liabilities
and are measured at fair value with changes in fair value recognized in income. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Reinsurance assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company uses reinsurance in the
normal course of business to manage its risk exposure. Insurance ceded to a reinsurer does not relieve the Company from its obligations to policyholders. The Company remains liable to its policyholders for the portion reinsured to the extent that
any reinsurer does not meet its obligations for reinsurance ceded to it under the reinsurance agreements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Reinsurance assets represent the benefit
derived from reinsurance agreements in force at the reporting date, taking into account the financial condition of the reinsurer. Amounts recoverable from reinsurers are estimated in accordance with the terms of the relevant reinsurance contract.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains or losses on buying reinsurance are recognized in income immediately at the date of purchase and are not amortized. Premiums ceded and claims
reimbursed are presented on a gross basis on the Consolidated Statements of Income. Reinsurance assets are not offset against the related insurance contract liabilities and are presented separately on the Consolidated Statements of Financial
Position. Refer to note 8(a). </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(j)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other financial instruments accounted for as liabilities </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
Company issues a variety of other financial instruments classified as liabilities, including notes payable, term notes, senior notes, senior debentures, subordinated notes, surplus notes and preferred shares. These financial liabilities are measured
at amortized cost, with issuance costs deferred and amortized using the effective interest rate method. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(k)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Income taxes </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The provision for income taxes is calculated
based on income tax laws and income tax rates substantively enacted as at the date of the Consolidated Statements of Financial Position. The income tax provision is comprised of current income taxes and deferred income taxes. Current and deferred
income taxes relating to items recognized in OCI and directly in equity are similarly recognized in OCI and directly in equity, respectively. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Current
income taxes are amounts expected to be payable or recoverable as a result of operations in the current year and any adjustments to taxes payable in respect of previous years. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Deferred income taxes are provided for using the liability method and result from temporary differences between the carrying values of assets and liabilities and their respective tax bases. Deferred income tax is
measured at the substantively enacted tax rates that are expected to be applied to temporary differences when they reverse. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">A deferred tax asset is
recognized to the extent that future realization of the tax benefit is probable. Deferred tax assets are reviewed at each reporting date and are reduced to the extent that it is no longer probable that the tax benefit will be realized. Deferred tax
assets and liabilities are offset if there is a legally enforceable right to offset current tax liabilities and assets and they relate to income taxes levied by the same tax authority on the same taxable entity. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Deferred tax liabilities are recognized for all taxable temporary differences, except in respect of taxable temporary differences associated with investments in
subsidiaries and associates, where the timing of the reversal of the temporary differences can be controlled and it is probable that the temporary differences will not reverse in the foreseeable future. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(l)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Foreign currency translation </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Items included in the financial
statements of each of the Company&#146;s subsidiaries are measured using the currency of the primary economic environment in which the entity operates (the &#147;functional currency&#148;). Transactions in a foreign currency are initially recorded
at the functional currency rate prevailing at the date of the transaction. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Assets and liabilities denominated in foreign currencies are retranslated to
the functional currency at the exchange rate in effect at the reporting date. Revenue and expenses denominated in foreign currencies are translated at the average exchange rate prevailing during the year. Exchange gains and losses are recognized in
income with the exception of foreign monetary items that form part of a net investment in a foreign operation and the results of hedging these positions. These foreign exchange gains and losses are recognized in OCI until such time that the foreign
operation is disposed of or control or significant influence over it is lost. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(m)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Stock-based compensation </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company provides stock-based
compensation to certain employees and directors as described in note 16. Compensation expense of equity instruments is accrued based on the best estimate of the number of instruments expected to vest, with revisions made to that estimate if
subsequent information indicates that actual forfeitures are likely to differ from initial estimates, unless forfeitures are due to market-based conditions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Stock options are expensed with a corresponding increase in contributed surplus. Restricted share units, special restricted share units and deferred share units are expensed with a corresponding liability accrued
based on the market value of MFC&#146;s common shares. Performance share units are expensed with a corresponding liability accrued based on specific performance conditions and the market value of MFC&#146;s common shares. The change in the value of
the awards resulting from changes in the market value of the Company&#146;s common shares or changes in the specific performance conditions and credited dividends is recognized in income, offset by the impact of total return swaps used to manage the
variability of the related liability. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Stock-based compensation cost is recognized over the applicable vesting period, except if the employee is eligible
to retire at the time of grant or will be eligible to retire during the vesting period. Compensation cost, attributable to stock options and restricted share units granted to employees who are eligible to retire on the grant date or who will become
eligible to retire during the vesting period, is recognized over the period from the grant date to the date of retirement eligibility. When a stock-based compensation award vests in instalments (graded vesting features), each instalment is
considered a separate award with the compensation expense amortized accordingly. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Contributions to the Global Share Ownership Plan (&#147;GSOP&#148;),
(refer to note 16(d)), are expensed as incurred. Under the GSOP, subject to certain conditions, the Company will match a percentage of the employee&#146;s eligible contributions to certain maximums. All contributions are used by the plan&#146;s
trustee to purchase MFC common shares in the open market. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(n)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Employee future benefits </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company maintains pension
plans, both defined benefit and defined contribution, and other post-employment plans for eligible employees and agents. These plans include broad-based pension plans for employees that are typically funded and supplemental non-registered
(non-qualified) pension plans for executives, retiree welfare plans and disability welfare plans that are typically not funded. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s
obligation in respect of defined benefit pension and other post-employment plans is calculated for each plan as the estimated present value of the future benefits that eligible employees have earned in return for their service up to the reporting
date using the projected benefit method. The discount rate used is based on the yield at the reporting date on high quality corporate debt securities that have approximately the same term as the obligations and that are denominated in the same
currency in which the benefits are expected to be paid and is updated annually. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">To determine the Company&#146;s net defined benefit asset or liability,
the fair value of plan assets are deducted from the defined benefit obligations. When this calculation results in a surplus, the asset recognized is limited to the present value of future economic benefit available in the form of future refunds from
the plan or reductions in future contributions to the plan (the asset limit). Remeasurement of the net defined benefit asset or liability consists of actuarial gains and losses, the change in effect from asset limits, and the return on plan assets,
excluding amounts included in net interest on the net defined benefit asset or liability, and is reflected in OCI. Net interest income or expense is determined by applying the discount rate to the net defined benefit asset or liability, and is
recognized in income. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Defined benefit assets are included in other assets and defined benefit liabilities are included in other liabilities. The net
benefit cost for the year is included in general expenses and is calculated as the sum of the service cost in respect of the fiscal year and the net interest on the net defined benefit asset or liability. Remeasurement effects are recorded in OCI in
the period in which they occur and are not reclassified to income in subsequent periods. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The cost of defined contribution plans is the contribution
provided by the Company and is recognized in income in the periods during which services are rendered by employees. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The cost of retiree welfare plans is
recognized in income over the employees&#146; years of service to their dates of full entitlement. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The current year cost of disability welfare plans is
as calculated as the year-over-year change in the defined benefit obligation, including any actuarial gains or losses. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>101</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">When the benefits under the pension plans and other post-employment plans are improved, the increase in obligation for
past service is recognized immediately in income. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(o)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Derivative and hedging instruments </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company uses
derivative financial instruments (&#147;derivatives&#148;) to manage exposures to foreign currency, interest rate and other market risks arising from on-balance sheet financial instruments, selected anticipated transactions and certain insurance
contract liabilities. Derivatives embedded in other financial instruments (&#147;host instruments&#148;) are separately recorded as derivatives when their economic characteristics and risks are not closely related to those of the host instrument,
the terms of the embedded derivative are the same as those of a standalone derivative and the host instrument itself is not recorded at FVTPL. Derivatives are recorded at fair value. Derivatives with unrealized gains are reported as derivative
assets and derivatives with unrealized losses are reported as derivative liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">A determination is made for each relationship as to whether hedge
accounting can be applied. Where hedge accounting is not applied, changes in the fair value of derivatives are recorded in investment income. Refer to note 5. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Hedge accounting </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Where the Company has elected to use hedge accounting, a hedging relationship is designated
and documented at inception. Hedge effectiveness is evaluated at inception and throughout the term of the hedge and hedge accounting is only applied when the Company expects that each hedging relationship will be highly effective in achieving
offsetting changes in fair value or changes in cash flows attributable to the risk being hedged. The assessment of hedge effectiveness is performed at the end of each reporting period both prospectively and retrospectively. When it is determined
that the hedging relationship is no longer effective, or the hedging instrument or the hedged item has been sold or terminated, the Company discontinues hedge accounting prospectively. In such cases, if the derivatives are not sold or terminated,
any subsequent changes in fair value of the derivative are recognized in investment income. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For derivatives that are designated as hedging instruments,
changes in fair value are recognized according to the nature of the risks being hedged, as discussed below. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Fair value hedges </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In a fair value hedging relationship, changes in the fair value of the hedging derivatives are recorded in investment income, along with changes in fair value
attributable to the hedged risk. The carrying value of the hedged item is adjusted for changes in fair value attributable to the hedged risk. To the extent the changes in the fair value of derivatives do not offset the changes in the fair value of
the hedged item attributable to the hedged risk in investment income, any ineffectiveness will remain in investment income. When hedge accounting is discontinued, the carrying value of the hedged item is no longer adjusted and the cumulative fair
value adjustments are amortized to investment income over the remaining term of the hedged item unless the hedged item is sold, at which time the balance is recognized immediately in investment income. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Cash flow hedges </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In a cash flow hedging relationship, the
effective portion of the changes in the fair value of the hedging instrument is recorded in OCI while the ineffective portion is recognized in investment income. Gains and losses accumulated in OCI are recognized in income during the same periods as
the variability in the cash flows hedged or the hedged forecasted transactions are recognized in income. The reclassifications from accumulated other comprehensive income (&#147;AOCI&#148;) are made to investment income, with the exception of total
return swaps that hedge restricted share units, which are reclassified to general expenses. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains and losses on cash flow hedges accumulated in AOCI are
reclassified immediately to investment income when the hedged item is sold or the forecasted transaction is no longer expected to occur. When a hedge is discontinued, but the hedged forecasted transaction remains highly probable to occur, the
amounts accumulated in AOCI are reclassified to investment income in the periods during which variability in the cash flows hedged or the hedged forecasted transaction is recognized in income. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net investment hedges </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In a net investment hedging
relationship, the gains and losses relating to the effective portion of the hedge are recorded in OCI. Gains and losses in AOCI are recognized in income during the periods when gains or losses on the underlying hedged net investment in foreign
operations are recognized in income. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(p)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premium income and related expenses </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Gross premiums for all
types of insurance contracts, and contracts with limited mortality or morbidity risk, are generally recognized as revenue when due. Premiums are reported gross of reinsurance ceded (refer to note 8). Revenue on service contracts is recognized as
services are rendered. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Expenses are recognized when incurred. Insurance contract liabilities are computed at the end of each year, resulting in benefits
and expenses being matched with the premium income. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>102</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_21"></A>Note 2&nbsp;&nbsp;&nbsp;&nbsp;Accounting and Reporting Changes </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Changes in accounting policy during the year </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Impact of standards applied retrospectively </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Effective
January&nbsp;1, 2013, the Company adopted several new and amended accounting pronouncements. The amendments to IAS 19 &#147;Employee Benefits&#148; and IFRS 10 &#147;Consolidated Financial Statements&#148; were adopted retrospectively. As a result
of these adoptions, net income attributed to shareholders for the year ended December&nbsp;31, 2012 increased by $74 and total shareholders&#146; equity and non-controlling interests at December&nbsp;31, 2012 decreased by $737 and by $200,
respectively. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table summarizes the changes. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="36%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As&nbsp;&nbsp;&nbsp;at</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">January&nbsp;1, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase&nbsp;&nbsp;&nbsp;(decrease) in</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">As&nbsp;reported</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclass-</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">ifications<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Restated</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">As&nbsp;reported</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclass-</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">ifications<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Restated</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total Invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;229,928</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,190<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;227,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;226,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(818</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;224,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">48,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">290</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39,524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">207,985</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,212</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">195,933</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">936</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">196,869</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">486,056</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,370</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">312</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">461,977</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,390</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">411</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">460,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">199,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">190,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">189,443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,627</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,977</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred tax liability</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">694</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(388</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(468</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">474</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">772</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(331</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,918</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,341</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,452</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">402</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">404</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">207,985</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,212</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">195,933</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">936</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">196,869</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">459,960</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(433</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">312</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">459,839</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">437,098</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(302</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">411</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">437,207</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,505</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; accumulated other comprehensive income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(369</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(815</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,184</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(915</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Accounts not impacted by accounting changes</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22,786</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22,786</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21,867</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21,867</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">26,096</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(937</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,159</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,879</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,088</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23,791</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">486,056</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,370</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">312</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">461,977</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,390</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">411</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">460,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2012 net income attributed to shareholders</B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,736</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Amounts have been reclassified to conform with the current year&#146;s presentation. Includes a reclassification as a result of IFRS 10 (see section
(ii)&nbsp;below) and tax adjustment (refer to note 6). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This amount represents an increase of $0.04 per share for 2012. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(ii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>New standards related to consolidation, joint arrangements and other interests </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Effective January&nbsp;1, 2013, the Company adopted five new related standards issued by the IASB: IFRS 10 &#147;Consolidated Financial Statements&#148;, IFRS 11 &#147;Joint Arrangements&#148;, IFRS 12
&#147;Disclosure of Interests in Other Entities&#148;, IAS 27 &#147;Separate Financial Statements&#148; and IAS 28 &#147;Investments in Associates and Joint Ventures&#148;. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>IFRS 10</B>, applied retrospectively, replaced the consolidation guidance in IAS 27 &#147;Separate Financial Statements&#148; and Standards Interpretation Committee (&#147;SIC&#148;) -12 &#147;Consolidation
&#150; Special Purpose Entities&#148; and introduced a single control model to be used while assessing control over another entity (the &#147;investee&#148;). Under IFRS 10, control results from an investor having: power over the investee; exposure
or rights to variable returns from its involvement with the investee; and the ability to use its power over the investee to affect the amount of its returns from the investee. <B> </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company applied significant judgment in its assessment of control. The assessment included the effect of its voting rights over decision making and management agreements, if any, with the investees, the
significance of returns to which it is exposed as a result of its relationship with the investees and the degree to which the Company can use its power to affect its returns from investees. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The adoption of IFRS 10 resulted in deconsolidation of investments in a timber company, private investment fund and three financing trusts. The adoption did not result in the consolidation of any additional
investments. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Deconsolidation of investments in a timber company and a private investment fund </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has determined that under IFRS 10, it does not control Hancock Victoria Plantations (&#147;HVP&#148;) and Hancock Capital Partners IV, LP (&#147;HCP
IV&#148;), as the Company&#146;s general fund investment in each is not considered to be significant. These entities are now accounted for using the equity method of accounting. Refer to note 4(d). </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>103</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Deconsolidation of three financing trusts </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company has determined that under IFRS 10, it does not control Manulife Financial Capital Trust II (&#147;Trust II&#148;), Manulife Finance (Delaware), L.P. (&#147;MFLP&#148;), and John Hancock Global Funding
II, Ltd. (&#147;JHGF II&#148;). These financing trusts are described in note 18. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">While the Company predetermines the financing trusts&#146; financial
and operating policies and obtains returns from the financing trusts in the form of advantageous access to capital markets, the entities are designed to pass the Company&#146;s credit risk onto those parties to which the Trust II Notes &#150; Series
1, senior and subordinate debentures and medium term notes were issued. Therefore, under IFRS 10, the Company&#146;s exposure to their returns is not considered to be significant in relation to their total returns. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Deconsolidation of Trust II had no significant quantitative impact on the Company&#146;s Consolidated Statements of Income or Consolidated Statements of Financial
Position. Upon deconsolidation of MFLP, the Company excluded the senior debentures and subordinated debentures issued by MFLP and included the notes and loans issued to Manulife Finance (Delaware), LLC (&#147;MFLLC&#148;), as liabilities of the
Company, classified within Long-Term Debt and Liabilities for Preferred Shares and Capital Instruments, respectively. Upon deconsolidation of JHGF II, the Company included the funding agreements issued by John Hancock Life Insurance Company (U.S.A.)
(&#147;JHUSA&#148;) to JHGF II as liabilities of the Company, classified within Investment Contract Liabilities, and excluded the medium term notes issued by JHGF II. In addition, interest rate swaps between MLI and MFLP and between JHUSA and JHGF
II have been included in the Consolidated Statements of Financial Position. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Segregated funds </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As described in note 1(g), the Company offers segregated fund products, including variable annuities in Asia, Canada and the United States. Under these
arrangements, policyholders are provided the opportunity to invest in a variety of funds offered by the Company. Upon adoption of IFRS 10, the Company continues to present segregated funds net assets, which are in the legal name and title of the
Company but are held on behalf of policyholders, as a single line item in the Consolidated Statements of Financial Position. The obligation to pay the value of the net assets held under these policies is measured based on the value of the net
segregated fund assets. Guarantees that may be offered as part of certain segregated fund contracts are recorded within the Company&#146;s insurance contract liabilities. In reviewing the Company&#146;s segregated fund arrangements, the Company also
corrected the classification of certain funds. This retroactive correction resulted in an increase in both segregated funds net assets and net liabilities and a corresponding decrease in both total invested assets and insurance contract liabilities
of $1,212 as at December&nbsp;31, 2012 and $923 as at January&nbsp;1, 2012. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following is a summary of the impact of adopting IFRS 10. </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As&nbsp;&nbsp;&nbsp;at</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">January&nbsp;1, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase&nbsp;&nbsp;&nbsp;(decrease) in</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">HVP<BR>and<BR>HCP&nbsp;IV</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Financing<BR>trusts</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclass-<BR>ification</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">HVP<BR>and<BR>HCP&nbsp;IV</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Financing<BR>trusts</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Reclass-<BR>ification</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Invested assets and accrued interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,001)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(820</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,212</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,212</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">936</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">936</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(813</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(789</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(820</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;(807</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred tax liability</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(613</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">402</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">402</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">404</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">404</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,212</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,212</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">936</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">936</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(626</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">182</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(425</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(651</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">194</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(444</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; accumulated other comprehensive<BR>income (loss) on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(184</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(177</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(177</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(187</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(177</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(364</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(169</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(194</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(363</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(813</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(789</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(820</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(807</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2012 net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IFRS 11</B> introduced new accounting requirements for joint arrangements, replacing IAS 31 &#147;Interests in Joint
Ventures&#148;. IFRS 11 removes the option to apply the proportionate consolidation method when accounting for joint ventures and instead requires the equity method of accounting be applied in accordance with IAS 28. The adoption of IFRS 11 had no
significant effect on the Consolidated Financial Statements as the Company does not have significant interests in joint venture arrangements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IFRS
12</B> integrated and made consistent the disclosure requirements for subsidiaries, joint arrangements, associates and unconsolidated structured entities and presents those requirements in a single standard. IFRS 12 requires that an entity disclose
information that enables users of its financial statements to evaluate the nature of, and risks associated with, its interests in other entities and the effects of those interests on its financial position, comprehensive income and cash flows. These
disclosures are included in notes 4, 18 and 22. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IAS 27</B> was modified to remove principles of control over another entity, as these principles are
now presented within IFRS 10. Adoption of the modifications of IAS 27 had no effect on the Company&#146;s Consolidated Financial Statements.<B> </B></FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>104</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IAS 28</B> was modified to require that the equity method of accounting be used where joint control over a joint
venture is present. The principles used in assessing whether significant influence exists were not significantly altered. Adoption of the modifications of IAS 28 had no material effect on the Company&#146;s Consolidated Financial Statements.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(iii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>&nbsp;&nbsp;&nbsp;Amendments to IAS 19 &#147;Employee Benefits&#148; and IAS 1 &#147;Presentation of Financial Statements&#148; </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Effective January&nbsp;1, 2013, the Company adopted amendments to IAS 19 &#147;Employee Benefits&#148; issued by the IASB in June 2011. The amendments require the
full funded status of the plan to be reflected as the net defined benefit liability or asset in the Consolidated Statements of Financial Position. Actuarial gains and losses are recognized in full in OCI when they occur and are no longer recognized
in net income. Past service costs or credits are immediately recognized in income when a plan is amended. Interest costs and expected return on plan assets under the previous version of IAS 19 have been replaced with a net interest cost or revenue
calculated by applying the discount rate to the net defined benefit liability or asset. Further, these amendments include enhanced disclosures about the characteristics of those plans and the risks to which the entity is exposed through
participation in those plans. Additional disclosures have been incorporated in note 17 to comply with these requirements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following is a summary of
the related adjustments made to the Consolidated Financial Statements as a result of the retrospective adoption of the amendments to IAS 19 in respect of all Company pension and other post-employment plans. </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">January&nbsp;1, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase&nbsp;&nbsp;&nbsp;(decrease) in</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension<BR>plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other post-<BR>employment<BR>plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension<BR>plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other post-<BR>employment<BR>plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total
assets</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(562</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(562</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(570</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(570</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred tax liability</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(277</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(266</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(335</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(348</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(22</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">26</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">155</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; accumulated other comprehensive income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(699</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(739</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; retained earnings</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">81</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(595</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;22</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(573</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(699</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(725</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(562</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(562</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(570</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(570</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2012 net income attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Decrease reflected in miscellaneous assets. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Amendments to IAS 1 </B><B><I>&#147;</I></B><B>Presentation of Financial Statements&#148;</B> were issued in June 2011 and require items within OCI to be
presented separately based on whether or not the item will be subsequently reclassified into net income. The new presentation was adopted in conjunction with the treatment of OCI under IAS 19. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(iv)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IFRS 13 &#147;Fair Value Measurement&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Effective
January&nbsp;1, 2013, the Company adopted IFRS 13 &#147;Fair Value Measurement&#148; issued by the IASB in May 2011. IFRS 13 defines fair value, provides guidance on how to determine fair value but does not change the requirements regarding which
items should be measured or disclosed at fair value. The adoption of these amendments did not have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The standard also requires many new disclosures for both financial and non-financial assets and liabilities measured at, or based on, fair value and for items not measured at fair value but for which fair value is
disclosed. While the definition of each level within the fair value hierarchy, as described in note 11, did not change, the additional disclosures now required include a description of the valuation technique used for each of the Company&#146;s
major categories of assets and liabilities measured or disclosed at fair value. In addition, the standard requires more disclosures around inputs and sensitivities for Level 3 fair values for those items measured at fair value on a recurring basis,
along with expanded disclosures around transfers between levels in the fair value hierarchy. These new disclosure requirements are included in notes 1, 5 and 11. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(v)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Amendments to IFRS 7 &#147;Financial Instruments: Disclosure&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Effective January&nbsp;1, 2013, the Company adopted the amendments to IFRS 7 &#147;Offsetting Financial Assets and Financial Liabilities&#148; issued by the IASB in December 2011. These amendments introduce new
disclosure requirements for financial instruments relating to their rights of offset and related arrangements under an enforceable master netting agreement or similar arrangements. The adoption of these amendments did not have a significant impact
on the Company&#146;s Consolidated Financial Statements. These new disclosure requirements are included in note 10. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(vi)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Annual Improvements 2009&#150;2011 Cycle </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Effective
January&nbsp;1, 2013, the Company adopted minor amendments to five different standards as part of the Annual Improvements process issued by the IASB in May 2012. The adoption of these amendments did not have a significant impact on the
classification, measurement or presentation of the Company&#146;s Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>105</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Future accounting and reporting changes </B></FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IFRS 9 &#147;Financial Instruments&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">IFRS 9
&#147;Financial Instruments&#148; was issued in November 2009 and amended in October 2010 and November 2013, and is intended to replace IAS 39 &#147;Financial Instruments: Recognition and Measurement&#148;. The project has been divided into three
phases: classification and measurement, impairment of financial assets, and hedge accounting. IFRS 9&#146;s current classification and measurement methodology provides that financial assets are measured at either amortized cost or fair value on the
basis of the entity&#146;s business model for managing the financial assets and the contractual cash flow characteristics of the financial assets. The classification and measurement for financial liabilities remains generally unchanged; however,
revisions have been made in the accounting for changes in fair value of a financial liability attributable to changes in the credit risk of that liability. Gains or losses caused by changes in an entity&#146;s own credit risk on such liabilities are
no longer recognized in profit or loss but instead are reflected in OCI. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Revisions to hedge accounting were issued in November 2013 as part of the
overall IFRS 9 project. The amendment introduces a new hedge accounting model, together with corresponding disclosures about risk management activity for those applying hedge accounting. The new model represents a substantial overhaul of hedge
accounting that will enable entities to better reflect their risk management activities in their financial statements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In November 2013, the IASB
removed the mandatory effective date of January&nbsp;1, 2015. The IASB has stated that a new effective date will be determined when all three phases of the IFRS 9 project are closer to completion. The Company is still assessing the impact of these
changes. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(ii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Amendments to IAS 32 &#147;Financial Instruments: Presentation&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The amendments to IAS 32 &#147;Offsetting Financial Assets and Financial Liabilities&#148; were issued in December 2011 and are effective for years beginning on or after January&nbsp;1, 2014. The amendments clarify
the basis for offsetting financial instruments presented in the statement of financial position. Adoption of these amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(iii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Amendments to IFRS 10, IFRS 12 and IAS 27 &#147;Investment Entities&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The amendments to IFRS 10, IFRS 12 and IAS 27 &#147;Investment Entities&#148; were issued in October 2012 and are effective for years beginning on or after January&nbsp;1, 2014. The amendments establish the
definition of an investment entity using principles commonly found in the mutual fund industry. The amendments require investment entities to use fair value accounting for all of their investments, including those which they control or have
significant influence over. The amendments constitute a scope change for IFRS 10 and, therefore, Investment Entities, as defined, will be exempt from applying consolidation accounting for their investments. Adoption of these amendments is not
expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(iv)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>IFRS Interpretation Committee (&#147;IFRIC&#148;) Interpretation 21 &#147;Levies&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">IFRIC Interpretation 21 &#147;Levies&#148; was issued in May 2013 and is effective for years beginning on or after January&nbsp;1, 2014. IFRIC 21 provides guidance on recognizing liabilities for payments to
government in accordance with IAS 37 &#147;Provisions, Contingent Liabilities and Contingent Assets&#148;. It does not provide guidance on accounting for income taxes, fines and penalties or for acquisition of assets or services from governments.
IFRIC 21 establishes that a liability for a levy is recognized when the activity that triggers payment occurs. Adoption of this amendment is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(v)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Amendments to IAS 39 &#147;Financial Instruments: Recognition and Measurement&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The amendments to IAS 39 &#147;Novation of Derivatives and Continuation of Hedge Accounting&#148; were issued in June 2013 and are effective for years beginning on or after January&nbsp;1, 2014. The amendments
address the accounting for derivatives designated as a hedging instrument when there has been a change in counterparty. Under the amendments, for situations in which a law or regulation requires the novation, the Company can continue the current
hedge designation despite the change. A novation occurs when the parties of the derivative agree to change counterparties for the purposes of using a central counterparty for clearing. Adoption of these amendments is not expected to have a
significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(vi)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Annual Improvements 2010&#150;2012 and 2011-2013 Cycles </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Annual Improvements 2010-2012 and 2011-2013 Cycles were issued in December 2013, resulting in minor amendments to 10 standards and are effective for the Company
starting on January&nbsp;1, 2015. Adoption of these amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(vii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Amendments to IAS 19 &#147;Employee Benefits&#148; </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
amendments to IAS 19 &#147;Employee Benefits&#148; were issued in November 2013 and are effective for the Company starting on January&nbsp;1, 2015. The amendments clarify the accounting for contributions by employees or third parties to defined
benefit plans. Adoption of these amendments is not expected to have a significant impact on the Company&#146;s Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>106</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_22"></A>Note 3&nbsp;&nbsp;&nbsp;&nbsp;Disposition </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On July&nbsp;31, 2013, the Company&#146;s subsidiary Manulife (International) Limited entered into an agreement with
CTBC&nbsp;Life&nbsp;Insurance&nbsp;Co.&nbsp;Ltd. (&#147;CTBC Life&#148;) to sell its Taiwan insurance business. The transaction closed on December&nbsp;31, 2013. Under the agreement, CTBC Life assumed all of the life insurance business-related
obligations of Manulife (International) Limited Taiwan Branch. Under the terms of the agreement, Manulife (International) Limited transferred the infrastructure (including information technology systems and workforce) and other assets required to
administer and support the life insurance business to CTBC Life. The gain on sale was $350 (net of taxes of $129), which has been recorded in other revenue in the Company&#146;s Consolidated Statements of Income. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_23"></A>Note 4&nbsp;&nbsp;&nbsp;&nbsp;Invested Assets and Investment Income </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Carrying values and fair values of invested assets </B></FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total fair<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and short-term securities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>421</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,592</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,106</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,844</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15,950</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15,950</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,189</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,383</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,572</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,572</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,862</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,962</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,824</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,824</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>57,192</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,017</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61,209</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61,209</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,774</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,402</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,402</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,011</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,064</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,075</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,075</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39,176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22,008</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policy loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,907</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Own use property<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>804</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>804</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,476</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment property</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other alternative long-duration assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,921</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,217</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,206</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,402</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,155</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,289</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,289</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total invested
assets</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>114,584</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30,609</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>87,516</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>232,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>236,194</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and short-term securities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,584</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,929</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,943</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,943</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,811</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">54,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58,802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58,802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,410</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,625</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">37,468</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22,548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policy loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Own use property<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment property</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,724</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,724</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,724</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other alternative long-duration assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,272</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">104</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,144</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,275</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,286</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total invested
assets</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;114,843</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;29,101</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;83,988</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;227,932</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;233,419</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes short-term securities with maturities of less than one year at acquisition amounting to $4,473 (2012 &#150; $2,026) and cash equivalents with maturities
of less than 90 days at acquisition amounting to $6,565 (2012 &#150; $6,776) and cash of $2,592 (2012 &#150; $4,584). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Total debt securities include securities which were acquired with maturities of less than one year and less than 90 days of $502 and $60, respectively (2012
&#150; $848 and $132, respectively). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes accumulated depreciation of $294 (2012 &#150; $265). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other alternative long-duration assets include private equity of $2,181, power and infrastructure of $3,486, oil and gas of $1,643, timber and agriculture
sectors of $2,770 and various others of $126 (2012 &#150; $1,761, $2,913, $1,355, $2,243 and nil, respectively). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The methodologies for determining fair value of the Company&#146;s invested assets are described in notes 1 and 11. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Debt securities and equities classified as FVTPL </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The FVTPL
classification was elected for securities backing insurance and investment contract liabilities in order to substantially reduce an accounting mismatch arising from changes in the value of these assets and changes in the value recorded for the
related insurance and investment contract liabilities. There would otherwise be a mismatch if the AFS classification was selected because change in insurance contract liabilities related to investment return assumptions is reflected in net income
rather than in OCI, refer to note 8(e). </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>107</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Debt securities and equities classified as AFS </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Securities
that are designated as AFS are not actively traded but sales do occur as circumstances warrant. Such sales result in a reclassification of any accumulated unrealized gain (loss) in AOCI to net income as a realized gain (loss). </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other invested assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Other invested assets include
investments in associates accounted for using the equity method of accounting as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">% of</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">total</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">% of</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">total</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Leveraged leases</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,629</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>73</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,591</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Timber</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>259</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Affordable housing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>252</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Agriculture</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>99</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>340</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">158</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,424</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s share of profit from its investments in associates included in income for the year ended December&nbsp;31, 2013
was $132 (2012 &#150; $55). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">During the year ended December&nbsp;31, 2013, the Company received $5 of dividends from its investments in associates (2012
&#150; $4). </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(e)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mortgages </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table presents the carrying values
and fair values of mortgages by property type. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mortgage loans by property type </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">value<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">value<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,531</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,905</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Office</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,647</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,023</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,734</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Retail</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,334</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,103</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,258</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,656</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,290</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,731</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;39,176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;35,082</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;37,468</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See note 11 for a description of the fair value methodology. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The carrying value of government-insured mortgages was 28&nbsp;per cent of the total mortgage portfolio as at December&nbsp;31, 2013 (2012&nbsp;&#150; 31&nbsp;per cent) and the carrying value of privately-insured
mortgages was nil per cent of the total mortgage portfolio as at December&nbsp;31, 2013 (2012 &#150; 0.4&nbsp;per cent). The majority of these insured mortgages are residential loans as classified in the table above. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>108</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(f)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment income </B></FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Yields<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.2%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>70</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>75</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>73</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>78</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,961</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>511</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,472</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3.8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Losses<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,762</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(308</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8,070</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recovery (Impairment loss), net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16.5%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividend income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>314</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>50</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>364</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>131</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,501</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairment loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.7%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,625</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,625</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Provision, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Losses<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policy loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>404</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>404</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5.7%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.2%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>85</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>85</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Provision, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Rental income, net of depreciation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>442</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>442</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairment loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>688</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>688</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Losses<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12,006</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12,006</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Oil and gas, timber, agriculture and other income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>619</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>619</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>262</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>283</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>547</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairment, net</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total investment income</B> <B>(loss)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,801</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>516</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;3,966</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;4,123</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;8,670</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3.8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividend, rental and other income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>314</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>50</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,061</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,425</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairments and provisions for loan losses (note 10)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(119</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(42</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(195</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(0.1%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,290</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>499</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,081</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,870</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Realized and unrealized gains (losses) on assets supporting insurance and investment contract liabilities and on macro equity
hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,762</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,759</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,339</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,351</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>332</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>281</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>615</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives, including macro equity hedging program</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(11,960</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(11,960</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,091</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(11,543</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(17,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total investment income (loss)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,801</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;516</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3.3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>109</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Yields<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.7%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains (losses)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6.3%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,957</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,860</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,992</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairment loss, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividend income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairment loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Provision, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7.6%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recovery, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policy loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Provision, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Rental income, net of depreciation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairment loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Losses<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,952</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,952</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Oil and gas, timber, agriculture and other income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">(Impairment) recovery, net</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total investment income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,091</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">811</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,725</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,627</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5.3%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,967</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">650</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,629</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividend, rental and other income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">887</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impairments and provisions for loan losses (note 10)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">82</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">145</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(128</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">99</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,249</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">795</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,758</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,802</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Realized and unrealized gains (losses) on assets supporting insurance and investment contract liabilities and on macro equity
hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1.3%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">824</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.4%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">307</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.1%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives, including macro equity hedging program</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,799</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,799</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1.2%)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,842</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">16</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,033</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,825</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total investment income</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;8,091</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;811</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,725</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;11,627</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5.3%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains (losses) include realized and unrealized gains (losses) for securities and derivatives designated as FVTPL and realized gains (losses) for AFS securities,
mortgages, private placements, policy loans, bank loans and other invested assets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other includes interest income, real estate rental income and derivative income as outlined in note 5 and earnings on other investments.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Yields are based on IFRS income and are calculated using the geometric average of assets held at IFRS carrying value during the reporting year.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(g)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment expenses </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Related to invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>418</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Related to segregated, mutual and other funds</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>754</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">628</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total investment expenses</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,034</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>110</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(h)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment property </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment property comprises a number
of commercial properties that are leased to third parties. Investment property activity is summarized as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,724</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Acquisitions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,069</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposals</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(248</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(127</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;8,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;7,724</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table identifies the amounts included in investment income relating to investment property. </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Rental income from investment property</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>839</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Direct operating expenses that generated rental income</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(461</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(423</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;378</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;375</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mortgage securitization </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company securitizes certain
insured fixed and variable rate commercial and residential mortgages and Home Equity Lines of Credit (&#147;HELOC&#148;) through creation of mortgage-backed securities under the Canadian Mortgage Bond Program (&#147;CMB&#148;), Government of Canada
National Housing Act (&#147;NHA&#148;) Mortgage Backed Securities (&#147;MBS&#148;) program, as well as through a HELOC securitization program. Benefits received from the transfers include interest spread between the asset and associated liability.
Under IFRS, these transactions remain &#147;on-balance sheet&#148; and are accounted for as secured borrowings, as described in note 1(d). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">There are no
expected credit losses on the mortgages that have been securitized under the Government of Canada CMB and NHA MBS programs and the HELOC securitization program as they are insured by the Canada Mortgage and Housing Corporation (&#147;CMHC&#148;) and
other third party insurance programs against borrowers&#146; default. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The cash flows received from the underlying securitized assets/mortgages are used
to settle the related secured borrowing liability. For CMB transactions receipts of principal are deposited into a trust account for settlement of the liability at the time of maturity. These transferred assets and related cash flows cannot be
transferred or used for other purposes. For NHA MBS transactions, principal receipts are remitted to investors on a monthly basis. For the HELOC transactions, investors are entitled to periodic interest payments and the remaining cash receipts of
principal are allocated to the Company (the &#147;Seller&#148;) during the revolving period of the deal and are accumulated for settlement of the liability based on the terms of the note. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>111</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The carrying amount of securitized assets reflecting the Company&#146;s continuing involvement with the mortgages and
the associated liabilities is as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Securitized assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Securitization program</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Securitized<BR>mortgages</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Restricted<BR>cash and<BR>short-term<BR>securities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Secured<BR>borrowing<BR>liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">HELOC securitization<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,010</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,998</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">CMB securitization</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>115</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>115</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,113</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">HELOC securitization<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">CMB securitization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">483</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">NHA MBS
securitization<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,451</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;297</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,748</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,739</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The restricted cash balance for the HELOC securitization reflects a cash reserve fund established in relation to the transactions. The reserve will be drawn upon
only in the event of insufficient cash flows from the underlying HELOCs to satisfy the secured borrowing liability. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The secured borrowing liabilities primarily comprise of Series 2010-1 and Series 2011-1 notes with floating rates and are expected to mature on December&nbsp;15,
2015 and December&nbsp;15, 2017 respectively. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Under the Government of Canada programs for NHA MBS securitization, cash received on the mortgages is held in a restricted cash account for the payment of the
liability under the terms of the program. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The fair value of the securitized assets as at December&nbsp;31, 2013 was $2,127 (2012
&#150; $1,752) and the fair value of the associated liabilities was $2,124 (2012 &#150; $1,756). </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_24"></A>Note
5&nbsp;&nbsp;&nbsp;&nbsp;Derivative and Hedging Instruments </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Derivatives are financial contracts, the value of which is derived from underlying
interest rates, foreign exchange rates, other financial instruments, commodity prices or indices. The Company uses derivatives including swaps, forward and futures agreements, and options to manage current and anticipated exposures to changes in
interest rates, foreign exchange rates, commodity prices and equity market prices, and to replicate permissible investments. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Swaps are over-the-counter
(&#147;OTC&#148;) contractual agreements between the Company and a third party to exchange a series of cash flows based upon rates applied to a notional amount. For interest rate swaps, counterparties generally exchange fixed or floating interest
rate payments based on a notional value in a single currency. Cross currency swaps involve the exchange of principal amounts between parties as well as the exchange of interest payments in one currency for the receipt of interest payments in another
currency. Total return swaps are contracts that involve the exchange of payments based on changes in the values of a reference asset, including any returns such as interest earned on these assets, in return for amounts based on reference rates
specified in the contract. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Forward and futures agreements are contractual obligations to buy or sell a financial instrument, foreign currency or other
underlying commodity on a predetermined future date at a specified price. Forward contracts are OTC contracts negotiated between counterparties, whereas futures agreements are contracts with standard amounts and settlement dates that are traded on
regulated exchanges. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Options are contractual agreements whereby the holder has the right, but not the obligation, to buy (call option) or sell (put
option) a security, exchange rate, interest rate, or other financial instrument at a predetermined price/rate within a specified time. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">See variable
annuity guarantee dynamic hedging strategy in the &#147;Risk Management and Risk Factors&#148; section of the Company&#146;s 2013 MD&amp;A for an explanation of the Company&#146;s dynamic hedging strategy for its variable annuity product guarantees.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Hedging relationships </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company uses derivatives for
economic hedging purposes. In certain circumstances, these hedges also meet the requirements for hedge accounting. Risk management strategies eligible for hedge accounting are designated as fair value hedges, cash flow hedges or net investment
hedges, as described below. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Fair value hedges </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company uses interest rate swaps to manage its exposure to changes in the fair value of fixed rate financial instruments caused by changes in interest rates.
The Company also uses cross currency swaps to manage its exposure to foreign exchange rate fluctuations, interest rate fluctuations, or both. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>112</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company recognizes gains and losses on derivatives and the related hedged items in fair value hedges in investment
income. These investment gains (losses) are shown in the following table. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Derivatives in qualifying fair value hedging relationships </B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Hedged&nbsp;items&nbsp;in&nbsp;qualifying&nbsp;fair<BR>value hedging relationships</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains&nbsp;(losses)<BR>recognized&nbsp;on<BR>derivatives</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains (losses)<BR>recognized for<BR>hedged</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">items</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Ineffectiveness<BR>recognized in<BR>investment<BR>income</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed rate assets</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>930</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(998</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed&nbsp;rate&nbsp;liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed rate assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;927</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(988</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed rate assets</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed rate liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed rate assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(86</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(6</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(92</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Cash flow hedges </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
Company uses interest rate swaps to hedge the variability in cash flows from variable rate financial instruments and forecasted transactions. The Company also uses cross currency swaps and foreign currency forward contracts to hedge the variability
from foreign currency financial instruments and foreign currency expenses. Total return swaps are used to hedge the variability in cash flows associated with certain stock-based compensation awards. Inflation swaps are used to reduce inflation risk
generated from inflation indexed liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The effects of derivatives in cash flow hedging relationships on the Consolidated Statements of Income and
the Consolidated Statements of Other Comprehensive Income are shown in the following table. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Derivatives in qualifying cash flow hedging
relationships </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Hedged&nbsp;items&nbsp;in&nbsp;qualifying&nbsp;cash<BR>flow hedging relationships</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains&nbsp;(losses)<BR>deferred in<BR>AOCI on<BR>derivatives</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains&nbsp;(losses)<BR>reclassified&nbsp;from<BR>AOCI into<BR>investment<BR>income</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Ineffectiveness<BR>recognized in<BR>investment<BR>income</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Forecasted liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Floating rate liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>132</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency forwards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Forecasted expenses</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total return swaps</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="white-space:nowrap">Stock-based&nbsp;compensation</FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;145</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Forecasted liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed rate assets</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Floating rate liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency forwards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Forecasted expenses</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total return swaps</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Stock-based compensation</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">72</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company anticipates that net losses of approximately $24 will be reclassified from AOCI to net income within the next twelve
months. The maximum time frame for which variable cash flows are hedged is 30 years. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Hedges of net investments in foreign operations </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company primarily uses forward currency contracts, cross currency swaps and non-functional currency denominated debt to manage its foreign currency exposures to
net investments in foreign operations. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>113</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The effects of derivatives in net investment hedging relationships on the Consolidated Statements of Income and the
Consolidated Statements of Other Comprehensive Income are shown in the following table. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Hedging instruments in net investment hedging relationships
</B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains&nbsp;(losses)<BR>deferred in AOCI on<BR>derivatives</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gains&nbsp;(losses)<BR>reclassified from<BR>AOCI into<BR>investment income</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Ineffectiveness<BR>recognized in<BR>investment<BR>income</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency swaps and interest rate swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-functional currency denominated debt</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(76</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency swaps and interest rate swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;29</FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-functional currency denominated debt</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">53</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Fair value of derivatives </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The pricing models used to value
OTC derivatives are based on market standard valuation methodologies and the inputs to these models are consistent with what a market participant would use when pricing the instruments. Derivative valuations can be affected by changes in interest
rates, currency exchange rates, financial indices, credit spreads, default risk (including the counterparties to the contract), and market volatility. The significant inputs to the pricing models for most OTC derivatives are inputs that are
observable or can be corroborated by observable market data and are classified as Level 2. Inputs that are observable generally include: interest rates, foreign currency exchange rates and interest rate curves. However, certain OTC derivatives may
rely on inputs that are significant to the fair value that are not observable in the market or cannot be derived principally from, or corroborated by, observable market data and these derivatives are classified as Level 3. Inputs that are
unobservable generally include: broker quotes, volatilities and inputs that are outside of the observable portion of the interest rate curve or other relevant market measures. These unobservable inputs may involve significant management judgment or
estimation. Even though unobservable, these inputs are based on assumptions deemed appropriate given the circumstances and consistent with what market participants would use when pricing such instruments. The Company&#146;s use of unobservable
inputs is limited and the impact on derivative fair values does not represent a material amount as evidenced by the limited amount of Level 3 derivatives in note 11. The credit risk of both the counterparty and the Company are considered in
determining the fair value for all OTC derivatives after taking into account the effects of netting agreements and collateral arrangements. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The fair
value of derivative instruments is summarized by term to maturity in the following tables. Fair values shown do not incorporate the impact of master netting agreements. Refer to note 10. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Term to maturity</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Less&nbsp;than&nbsp;1<BR>year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1 to 3</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3 to 5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Over 5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>103</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>442</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>316</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,812</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,673</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>484</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>357</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>328</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,760</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,929</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;396</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;14,027</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;14,707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">75</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">290</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">442</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,693</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>114</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Remaining term to maturity (notional amounts)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Under 1</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">year</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1 to 5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Over</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5 years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Positive</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Negative</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Credit risk</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">equivalent<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="white-space:nowrap">Risk-weighted</FONT></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT
STYLE="font-family:ARIAL" SIZE="1">amount<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">OTC Swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,872</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32,317</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>144,352</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>185,541</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8,049</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,278</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,866</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>463</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cleared swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,712</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,815</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,527</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>95</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Forward contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,563</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,622</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(410</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,836</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,836</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Options purchased</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,854</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,854</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subtotal</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;18,271</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;37,651</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;156,021</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;211,943</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,557</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8,560</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> 997</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,964</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> 475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign exchange</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>479</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,018</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,025</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,522</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>131</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(593</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>449</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Forward contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>868</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>868</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,760</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,760</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Credit derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>335</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>335</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,240</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>124</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,368</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,894</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,894</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Options purchased</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>653</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,840</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,493</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>267</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>267</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>504</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>62</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subtotal including accrued interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>35,165</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>42,968</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>161,050</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,183</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;10,021</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(9,162</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>859</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,982</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less accrued interest</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>348</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(233</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>115</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>35,165</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>42,968</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>161,050</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,183</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,673</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8,929</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>744</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,982</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="8" COLSPAN="5"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="4" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As&nbsp;at&nbsp;December&nbsp;31,&nbsp;2012
</B>(Restated&#150;note&nbsp;2)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B><B>&nbsp;&nbsp;</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">OTC swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">123,116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">157,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,803</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">995</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cleared swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,079</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,079</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Options purchased</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">105</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,211</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,316</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">87</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subtotal</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,978</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">124,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">164,938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,834</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,621</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,890</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,005</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign exchange</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">699</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">351</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(650</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Forward contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">762</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Credit derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">163</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Options purchased</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">76</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subtotal including accrued interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36,470</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129,713</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">196,821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,331</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,267</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less accrued interest</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">509</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(385</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">124</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36,470</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30,638</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129,713</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">196,821</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,707</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,207</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,267</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,152</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Credit risk equivalent is the sum of replacement cost and the potential future credit exposure. Replacement cost represents the current cost of replacing all
contracts with a positive fair value. The amounts take into consideration legal contracts that permit offsetting of positions. The potential future credit exposure is calculated based on a formula prescribed by OSFI. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Risk-weighted amount represents the credit risk equivalent, weighted according to the creditworthiness of the counterparty, as prescribed by OSFI.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>115</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The gross notional amount and the fair value of derivative contracts by the underlying risk exposure for all
derivatives in qualifying hedging and non-qualifying hedging relationships are summarized in the following table. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note 2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Type of hedge</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Instrument type</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Notional<BR>amount</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Assets</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Notional<BR>amount</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Assets</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="16" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Qualifying hedge accounting relationships</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value hedges</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest&nbsp;rate&nbsp;swaps</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,768</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>395</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,726</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,352</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>73</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate swaps</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign&nbsp;currency&nbsp;swaps</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>785</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Forward contracts</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>132</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity contracts</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment hedges</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">160</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total derivatives in qualifying hedge accounting relationships</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,923</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>206</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>471</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,070</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">71</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,553</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Non-qualifying hedge accounting relationships</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate swaps</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>192,236</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,989</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,535</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">150,738</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate futures</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,836</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,079</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate options</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,854</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,316</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,663</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">348</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency rate futures</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,760</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Forward contracts</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,921</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>417</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity contracts</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,761</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Credit default swaps</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>335</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity futures</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,894</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,482</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total derivatives in non-qualifying hedge accounting relationships</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>232,260</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,467</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,458</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">188,751</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,947</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total derivatives</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;239,183</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;9,673</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;8,929</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;196,821</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;14,707</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;7,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Derivatives not designated in qualifying hedge accounting relationships </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Derivatives used in portfolios supporting insurance contract liabilities are generally not designated in qualifying hedge accounting relationships because the change in the value of the insurance contract
liabilities economically hedged by these derivatives is also recorded through net income. Given the changes in fair value of these derivatives and related hedged risks are recognized in investment income as they occur, they generally offset the
change in hedged risk to the extent the hedges are economically effective. Interest rate and cross currency swaps are used in the portfolios supporting insurance contract liabilities to manage duration and currency risks. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The effects of derivatives in non-qualifying hedge accounting relationships on the Consolidated Statements of Income are shown in the following table. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Non-qualifying hedge accounting relationships </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>2012<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment income (loss)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,296</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Treasury locks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Credit default swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Stock futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,867</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,606</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(226</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate futures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>152</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total return swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>126</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(296</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency forwards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bond forwards</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total investment loss from derivatives in non-qualifying hedge accounting
relationships</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(11,948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(2,861</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>116</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Embedded derivatives </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Certain insurance contracts contain
features that are classified as embedded derivatives and are measured separately at FVTPL including reinsurance contracts related to guaranteed minimum income benefits and contracts containing certain credit and interest rate features. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Certain reinsurance contracts related to guaranteed minimum income benefits are considered embedded derivatives requiring separate measurement at FVTPL as the
financial component contained in the reinsurance contracts does not contain significant insurance risk. As at December&nbsp;31, 2013, reinsurance ceded guaranteed minimum income benefits had a fair value of $992 (2012 &#150; $1,460) and reinsurance
assumed guaranteed minimum income benefits had a fair value of $88 (2012 &#150; $121). Claims recovered under reinsurance ceded contracts offset the claims expenses and claims paid on the reinsurance assumed are reported as contract benefits.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s credit and interest rate embedded derivatives promise to pay the returns on a portfolio of assets to the contract holder and contain
a credit and interest rate risk that is a financial risk embedded in the underlying insurance contract. As at December&nbsp;31, 2013, these embedded derivatives had a fair value of $92 (2012 &#150; $146). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Other financial instruments classified as embedded derivatives but exempt from separate measurement at fair value include variable universal life and variable life
products, minimum guaranteed credited rates, no lapse guarantees, guaranteed annuitization options, CPI indexing of benefits, and segregated fund minimum guarantees other than reinsurance ceded/assumed guaranteed minimum income benefits. These
embedded derivatives are measured and reported within insurance contract liabilities and are exempt from separate fair value measurement as they contain insurance risk and/or are closely related to the insurance host contract. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_25"></A>Note 6&nbsp;&nbsp;&nbsp;&nbsp;Income Taxes </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Components of the income tax expense (recovery) </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax
recognized in Consolidated Statements of Income: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Current tax</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Current year<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>45</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments to prior
year<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(110</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>106</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Deferred tax</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reversal of temporary differences<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;496</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effects of changes in tax rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(68</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income tax expense (recovery)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(492</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;&nbsp;Amounts reclassified between current tax and
deferred tax to conform with the current year&#146;s presentation.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax recognized in Other Comprehensive Income (&#147;OCI&#148;):</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Current income tax expense (recovery)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred income tax expense</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">170</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income tax expense</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;132</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;208</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax recognized directly in Equity:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Current income tax expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>70</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred income tax recovery</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(52</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income tax expense (recovery)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;37</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(8</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>117</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The effective income tax rate reported in the Consolidated Statements of Income varies from the Canadian tax rate of
26.5&nbsp;per cent for the year ended December&nbsp;31, 2013 (2012 &#150; 26&nbsp;per cent) and the reasons are shown below. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Reconciliation of
income tax (recovery) expense </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B><B>&nbsp;</B></FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B><B>&nbsp;</B></FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>(Restated&#150;note&nbsp;2<B></B></FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B></B>2012<B></B></FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>)<B>&nbsp;</B></FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B><B>&nbsp;&nbsp;</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,243</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax expense at Canadian statutory tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>993</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">323</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in income taxes due to:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Tax-exempt investment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(170</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Differences in tax rate on income not subject to tax in Canada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">General business tax credits net of tax credits not recognized</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments to current tax related to prior years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unused tax losses not recognized as deferred tax assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recovery of unrecognized tax losses of prior periods</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other differences</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(92</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(171</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income tax expense (recovery)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(492</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the Company has approximately $617 of current tax payable included in other liabilities (2012 &#150;
$1,534) and a current tax recoverable of $254 included in other assets (2012 &#150; $277). </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Deferred taxes </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Recognized deferred tax assets and liabilities </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Deferred tax
assets and liabilities are offset when there is a legally enforceable right to offset current tax assets against current tax liabilities and they relate to the same tax authority on the same taxable entity. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>(Restated&#150;note&nbsp;2)<B></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>2012<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred tax assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Loss carryforwards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>807</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Actuarial liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,249</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension and post-retirement benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>283</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Tax credits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>585</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Accrued interest</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>167</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">416</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Deferred tax assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;5,091</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,293</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred tax liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,397</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(974</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Securities and other investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(260</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,633</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Sale of invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(250</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(285</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill and intangible assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(743</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(295</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(126</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Deferred tax liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,945</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(6,719</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net deferred tax assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,574</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>118</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(ii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>The movement in the net deferred tax assets (liabilities) was as follows. </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Deferred tax assets and liabilities </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>December&nbsp;31, 2013</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Real<BR>estate</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Securities<BR>and other<BR>investments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Sale of<BR>invested<BR>assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill<BR>and<BR>intangible<BR>assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Actuarial<BR>liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Loss<BR>carry-<BR>forwards</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Accrued<BR>interest</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Tax<BR>credits</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="white-space:nowrap">and&nbsp;post-</FONT></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT
STYLE="font-family:ARIAL" SIZE="1">retirement<BR>benefits</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,633</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(701</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,723</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>455</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>416</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>309</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>390</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(126</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,574</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Acquired in business combinations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recognized in net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(367</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,607</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,935</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>250</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(136</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recognized in OCI</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recognized in equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Translation and other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(56</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>423</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>178</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance,&nbsp;December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,397</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;(260</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;(250</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(743</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;3,249</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;807</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;167</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;585</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;283</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(295</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8" COLSPAN="5"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="4" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,865</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(323</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(760</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Acquired in business combinations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recognized in net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(754</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(323</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,526</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recognized in OCI</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recognized in equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Translation and other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">55</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">26</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance,&nbsp;December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(974</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,633</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(285</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(701</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,723</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">455</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">416</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">309</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">390</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(126</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,574</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The aggregate of deferred tax assets where the Company has suffered losses in either the current or preceding year and where the
recognition is dependent on future taxable profits and feasible management actions is $2,724 as at December&nbsp;31, 2013 (2012 &#150; $2,212). The Company&#146;s continuing recognition of these deferred tax assets is based on future taxable profits
in the relevant jurisdictions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the Company has approximately $2,991 (2012 &#150; $2,232) of tax loss carryforwards
available, of which $2,962 expire between the years 2014 and 2033 while $29 have no expiry date. Capital loss carryforwards in the amount of $8 (2012 &#150; $18) have no expiry date. A tax benefit related to these tax loss carryforwards in the
amount of $807 (2012 &#150; $455), has been recognized as a deferred tax asset at December&nbsp;31, 2013, and a benefit of $117 (2012 &#150; $166) has not been recognized. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the Company has approximately $638 (2012 &#150; $309) of tax credit carryforwards which will expire between the years 2022 and 2033, and a benefit of $53 (2012 &#150; nil) has not been
recognized. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the aggregate amount of taxable temporary differences associated with investments in subsidiaries for which
deferred tax liabilities have not been recognized amounted to $7,195 (2012 &#150; $4,583). </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Tax related contingencies </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company is an investor in a
number of leasing transactions and had established provisions for disallowance of the tax treatment and for interest on past due taxes. On August&nbsp;5, 2013, the U.S. Tax Court issued an opinion effectively ruling in the government&#146;s favour
in the litigation between John Hancock and the Internal Revenue Service involving the tax treatment of leveraged leases. The Company was fully reserved for this result, and the case had no material impact on the Company&#146;s 2013 financial
results.</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company is subject to income tax laws in various jurisdictions. Tax laws are complex and potentially subject to different interpretations by
the taxpayer and the relevant tax authority. The provision for income taxes and deferred income taxes represents management&#146;s interpretation of the relevant tax laws and its estimate of current and future income tax implications of the
transactions and events during the year. The Company may be required to change its provision for income taxes or deferred income tax balances when the ultimate deductibility of certain items is successfully challenged by taxing authorities, or if
estimates used in determining the amount of deferred tax asset to recognize change significantly, or when receipt of new information indicates the need for adjustment in the amount of deferred income taxes to be recognized. Additionally, future
events, such as changes in tax laws, tax regulations, or interpretations of such laws or regulations, could have an impact on the provision for income taxes, deferred tax balances and the effective tax rate. Any such changes could materially affect
the amounts reported in the Consolidated Financial Statements in the period these changes occur. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>119</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_26"></A>Note 7&nbsp;&nbsp;&nbsp;&nbsp;Goodwill and Intangible Assets</B></FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Carrying amounts of goodwill and intangible assets </B></FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross&nbsp;carrying<BR>amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Accumulated<BR>amortization</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net&nbsp;carrying<BR>amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Goodwill</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;3,110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;3,110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Indefinite life intangible assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Brand</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>638</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>638</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fund management contracts and other<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>505</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>505</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,143</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,143</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Finite life intangible assets</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Distribution network</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>764</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>157</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>607</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Software</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,181</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>869</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>312</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>230</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>126</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,175</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,045</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total intangible assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,318</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,188</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total goodwill and intangible assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,428</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,298</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Goodwill</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Indefinite life intangible assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Brand</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">597</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">597</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fund management contracts and other<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">458</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">458</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,055</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,055</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Finite life intangible assets</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Distribution network</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">519</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Software</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">303</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">229</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">93</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">136</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,925</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">967</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">958</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total intangible assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,980</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">967</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,013</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total goodwill and intangible assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;6,080</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;967</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;5,113</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">For the fund management contracts, the significant CGUs to which these were allocated and their carrying values were U.S Mutual Funds and Retirement Plan
Services with $312 (2012 &#150; $291) and Canadian Wealth (excluding Manulife Bank) with $150 (2012 &#150; $150). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Amortization expense was $158 for the year ended December 31, 2013 (2012 &#150; $142). </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Impairment testing of goodwill </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the fourth quarter of
2013, the Company updated its 2014 business plan including in-force and new business embedded values. The Company uses these measures in determining the recoverable amount of its businesses in its annual goodwill impairment testing completed during
the fourth quarter. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has determined there is no impairment of goodwill in 2013. In 2012, the Company determined that the goodwill of Canadian
Individual Life CGU was impaired and recognized an impairment charge of $200 in the Corporate and Other segment (refer to note 20) which did not affect the Company&#146;s ongoing operations. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>120</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has 15 CGUs or groups of CGUs. Factors considered when identifying the Company&#146;s CGUs include how the
Company is organized to interact with customers, how products are presented and sold, and where interdependencies exist. The carrying value of goodwill for all CGUs with goodwill balances is shown in the table below. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013 </B></FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">CGU or Group of CGUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance,<BR>January&nbsp;1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill<BR>impairment/<BR>additions/<BR>disposals</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect&nbsp;of<BR>changes&nbsp;in&nbsp;foreign<BR>exchange&nbsp;rates</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance,<BR>December&nbsp;31</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia (excluding Hong Kong and Japan)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>132</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Japan Insurance and Wealth</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>403</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Individual Life</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>155</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>155</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Affinity Markets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>83</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>83</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Wealth (excluding Manulife Bank)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>750</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>750</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Group Benefits and Group Retirement Savings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>826</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>826</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">International Group Program</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>67</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>71</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Life</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Long-Term Care</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>268</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>286</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Mutual Funds and Retirement Plan Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>360</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate and Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>56</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="24" COLSPAN="17"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" COLSPAN="16" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia (excluding Hong Kong and Japan)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Japan Insurance and Wealth</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">403</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Individual Life</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Affinity Markets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Wealth (excluding Manulife Bank)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian Group Benefits and Group Retirement Savings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">International Group Program</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Long-Term Care</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Mutual Funds and Retirement Plan Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate and Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">85</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">56</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,404</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(104</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The valuation techniques, significant assumptions and sensitivities applied in the goodwill impairment testing are described below.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Valuation techniques </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The recoverable value of each CGU or
group of CGUs (&#147;CGUs&#148;) at December&nbsp;31, 2013 was based on value-in-use (&#147;VIU&#148;) for all of the U.S. based CGUs and the Japan CGU and fair value less costs to sell (&#147;FVLCS&#148;) for all other CGUs. The recoverable values
at December&nbsp;31, 2012 were based on VIU for all the U.S. based CGUs and the Canadian Individual Life CGU and FVLCS for all other CGUs. When determining whether a CGU is impaired, the Company compares its recoverable amount to the allocated
capital for that unit, which is aligned with the Company&#146;s internal reporting practices. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i) Income approach (value-in-use) </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has used an actuarial appraisal method for the purposes of goodwill testing. Under this approach, an appraisal value is determined from a projection of
future distributable earnings derived from both the in-force business and new business expected to be sold in the future, and therefore, reflects the economic value for each CGU&#146;s or group of CGUs&#146; profit potential under a set of
assumptions. This approach requires assumptions including sales and revenue growth rates, capital requirements, interest rates, equity returns, mortality, morbidity, policyholder behaviour, tax rates and discount rates. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I></I>Significant assumptions<I> </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I></I>Growth<I>
</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The assumptions used were based on the Company&#146;s internal plan and Canadian actuarial valuation basis. To calculate the embedded value, the
Company discounted projected earnings from each in-force contract and valued 10 years of new business growing at expected plan levels, consistent with the periods used for forecasting long-term businesses such as insurance. In arriving at its
projections, the Company considered past experience, economic trends such as interest rates, equity returns and product mix as well as industry and market trends. Where growth rate assumptions for new business cash flows were used in the embedded
value calculations, they ranged from zero per cent to 12&nbsp;per cent (2012 &#150; zero per cent to 11&nbsp;per cent). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I></I>Interest rates<I>
</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company uses a similar methodology for measuring insurance contracts in determining projected expected interest rates based on prevailing market
rates at the valuation date. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>121</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I></I>Tax rates<I> </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The tax rates applied to the projections reflected intercompany transfer pricing agreements currently in effect which were assumed to be transferable to another
market participant and amounted to 26.5&nbsp;per cent and 35&nbsp;per cent (2012 &#150; 26&nbsp;per cent and 35&nbsp;per cent) for the Canadian and U.S. jurisdictions, respectively. Tax assumptions are sensitive to changes in tax laws as well as
assumptions about the jurisdictions in which profits are earned. It is possible that actual tax rates could differ from those assumed. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><I></I>Discount
rates<I> </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The discount rate assumed in determining the value-in-use for applicable CGUs or groups of CGUs for the Japan and U.S. jurisdictions,
ranged from seven per cent to 10&nbsp;per cent on an after-tax basis or 12 per cent to 15&nbsp;per cent on a pre-tax basis (2012 &#150; 10&nbsp;per cent on an after-tax basis and 14&nbsp;per cent on a pre-tax basis for the Canadian and U.S.
jurisdictions). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(ii) Fair values </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Where
applicable, the Company determined the fair value of the CGU or group of CGUs using an earnings-based approach which incorporated the forecasted earnings, excluding interest and equity market impacts and normalized new business expenses multiplied
by an earnings multiple derived from the observable price-to-earnings multiples of comparable financial institutions. The price-to-earnings multiples used by the Company for testing ranged from 10 to 22.2 (2012 &#150; 10 to 16). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The key assumptions described above may change as economic and market conditions change, which may lead to impairment charges in the future. Changes in the discount
rates and cash flow projections used in the determination of embedded values or reductions in market-based earnings multiples may result in impairment charges in the future which could be material. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_27"></A>Note 8&nbsp;&nbsp;&nbsp;&nbsp;Insurance Contract Liabilities and Reinsurance Assets</B></FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance contract liabilities and reinsurance assets </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Insurance contract liabilities are reported gross of reinsurance ceded and the ceded liabilities are reported separately as a reinsurance asset. Insurance contract
liabilities include actuarial liabilities as well as benefits payable, provision for unreported claims and policyholder amounts on deposit. The components of gross and net insurance contract liabilities are shown below. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross actuarial liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>184,336</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">189,396</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross benefits payable and provision for unreported claims</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,072</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross policyholder amounts on deposit</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,834</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,587</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>193,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinsurance assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net insurance contract liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;175,799</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;179,714</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Net insurance contract liabilities represent the amount which, together with estimated future premiums and net investment income,
will be sufficient to pay estimated future benefits, policyholder dividends and refunds, taxes (other than income taxes) and expenses on policies in-force net of reinsurance premiums and recoveries. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Net insurance contract liabilities under IFRS retain the existing valuation methodology that was used under prior Canadian generally accepted accounting principles.
Net actuarial liabilities are determined using CALM, as required by the Canadian Institute of Actuaries. Liabilities are set equal to the statement of financial position value of the assets required to support them. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The determination of net actuarial liabilities is based on an explicit projection of cash flows using current assumptions for each material cash flow item.
Investment returns are projected using the current asset portfolios and projected reinvestment strategies. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Each assumption is based on a best estimate
adjusted by a margin for adverse deviation. For fixed income returns, this margin is established by scenario testing that is generally done on a deterministic basis, testing a range of prescribed and company-developed scenarios. For minimum
guarantees on segregated fund products, the margin for adverse deviation for investment returns is done stochastically. For all other assumptions, this margin is established by directly adjusting the best estimate assumption. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash flows used in the net actuarial valuation adjust the gross policy cash flows to reflect the projected cash flows from ceded reinsurance. The cash flow impact
of ceded reinsurance varies depending upon the amount of reinsurance, the structure of the reinsurance treaties, the expected economic benefit from the treaty cash flows and the impact of margins for adverse deviation. The gross actuarial
liabilities are determined by discounting the gross policy cash flows using the same discount rate as the net CALM model discount rate. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The reinsurance
asset is determined by taking the difference between the gross insurance contract liabilities and the net insurance contract liabilities. The reinsurance asset represents the benefit derived from reinsurance arrangements in force at the date of the
Consolidated Statements of Financial Position. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The period used for the projection of cash flows is the policy lifetime for most individual insurance
contracts. For other types of contracts a shorter projection period may be used, with the contract generally ending at the earlier of the first renewal date at or after the balance sheet date where the Company can exercise discretion in renewing its
contractual obligations or terms of those obligations and the renewal or adjustment date that maximizes the insurance contract liabilities. For segregated fund products with </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>122</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
guarantees the projection period is generally set as the period that leads to the largest insurance contract liability. Where the projection period is less than the policy lifetime, actuarial
liabilities may be reduced by an allowance for acquisition expenses expected to be recovered from policy cash flows beyond the projection period used for the liabilities. Such allowances are tested for recoverability using assumptions that are
consistent with other components of the actuarial valuation. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Composition </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The composition of insurance contract
liabilities and reinsurance assets by line of business and reporting segment is as follows. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Gross insurance contract liabilities </B></FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Individual insurance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities&nbsp;and<BR>pensions</FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other&nbsp;insurance<BR>contract<BR>liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total,&nbsp;net&nbsp;of<BR>reinsurance<BR>ceded</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total<BR>reinsurance<BR>ceded</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total,&nbsp;gross&nbsp;of<BR>reinsurance<BR>ceded</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">participating</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,577</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,155</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,308</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,407</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27,447</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>568</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,923</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,026</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>49,103</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,711</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>50,814</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,808</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32,163</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,209</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>26,162</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>99,342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14,683</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>114,025</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate and Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(505</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>140</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>272</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(93</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>481</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>388</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total, net of reinsurance ceded</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47,943</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54,736</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36,683</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36,437</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>175,799</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;193,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total reinsurance ceded</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>493</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,995</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,911</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,044</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total, gross of reinsurance ceded</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;48,436</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;62,731</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;44,594</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;37,481</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;193,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As&nbsp;at&nbsp;December&nbsp;31,&nbsp;2012&nbsp;</B>(Restated&#150;note&nbsp;2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,433</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,621</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,971</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,327</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,487</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">50,609</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,697</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52,306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19,536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">31,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,972</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,722</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">101,300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">116,644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate and Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">88</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(259</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(166</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,315</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,149</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total, net of reinsurance ceded</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">46,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">53,933</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43,995</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">179,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total reinsurance ceded</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">386</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,555</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,653</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,087</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total, gross of reinsurance ceded</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">46,601</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">62,488</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52,648</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36,658</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other insurance contract liabilities include group insurance and individual and group health including long-term care insurance. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Separate sub-accounts were established for participating policies in-force at the demutualization of MLI and John Hancock Life Insurance Company. These sub-accounts
permit this participating business to be operated as separate &#147;closed blocks&#148; of participating policies. As at December&nbsp;31, 2013, $29,048 (2012 &#150; $27,950) of both assets and insurance contract liabilities related to these closed
blocks of participating policies. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Fixed deferred annuity coinsurance transactions </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2012, the
Company entered into a coinsurance agreement, effective April&nbsp;1, 2012, to reinsure 89&nbsp;per cent of its book value fixed deferred annuity business from JHUSA and a separate agreement, effective July&nbsp;1, 2012, to reinsure 90&nbsp;per cent
of its book value fixed deferred annuity business from John Hancock Life Insurance Company of New York. Under the terms of both of these agreements, the Company maintains the responsibility for servicing of the policies. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The transactions were structured such that the Company ceded the actuarial liabilities and transferred related invested assets which included US$7,178 in cash and
other invested assets backing the actuarial liabilities as premiums paid to the reinsurers in exchange for assuming these liabilities. Due to the significant size of these transactions, the premiums ceded are shown separately in the Consolidated
Statements of Income. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Assets backing insurance contract liabilities, other liabilities and capital </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Assets are segmented and matched to liabilities with similar underlying characteristics by product line and major currency. The Company has established target investment strategies and asset mixes for each asset
segment supporting insurance contract liabilities which take into account the risk attributes of the liabilities supported by the assets and expectations of market performance. Liabilities with rate and term guarantees are predominantly backed by
fixed-rate instruments on a cash flow matching basis for a targeted duration horizon. Longer duration cash flows on these liabilities as well as on adjustable products such as participating life insurance are backed by a broader range of asset
classes, including equity and alternative long-duration investments. The Company&#146;s equity is invested in a range of debt and equity investments, both public and private. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Changes in the fair value of assets backing net insurance contract liabilities that are not judged by the Company to be other than temporary would have a limited impact on the Company&#146;s net income wherever
there is an effective matching of the assets and liabilities, as these changes would be substantially offset by corresponding changes in the value of the actuarial liabilities. The fair value of assets backing net insurance contract liabilities as
at December&nbsp;31, 2013, excluding reinsurance assets, was estimated at $178,232 (2012 &#150; $183,750). </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>123</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The fair value of assets backing capital and other liabilities as at December&nbsp;31, 2013 was estimated at $338,881
(2012 &#150; $306,696). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The carrying value of total assets backing net insurance contract liabilities, other liabilities and capital was as follows.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Individual insurance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities&nbsp;and<BR>pensions</FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Other&nbsp;insurance<BR>contract<BR>liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<BR>liabilities<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-<BR>participating</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25,963</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28,058</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16,574</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,664</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16,160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>114,957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,295</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,010</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>144</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>119</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>534</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,973</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,075</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,865</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,859</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,248</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,059</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>203</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,464</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,768</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,142</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,012</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>463</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,013</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,237</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>817</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,305</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>336</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,708</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,343</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,406</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,092</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,049</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>276,722</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,703</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>317,315</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;47,943</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;54,736</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;36,683</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;36,437</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;304,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;33,502</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,671</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,205</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,774</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,038</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">119,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Public equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,107</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,354</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">16,051</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,656</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">452</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">775</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,860</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,312</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,299</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,760</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">252,742</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,961</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">290,934</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">46,215</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">53,933</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43,995</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,571</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">276,037</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,247</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other insurance contract liabilities include group insurance and individual and group health including long-term care insurance. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities are non-insurance contract liabilities which include segregated funds, bank deposits, long-term debt, deferred tax liabilities, derivatives,
investment contracts, non-exempt embedded derivatives and other miscellaneous liabilities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital is defined in note 15. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(e)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Significant insurance contract liability valuation assumptions </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The determination of insurance contract liabilities involves the use of estimates and assumptions. Insurance contract liabilities have two major components: a best
estimate amount and a provision for adverse deviation. In conjunction with prudent business practices to manage both business and investment risks, the selection and monitoring of appropriate assumptions are designed to minimize the Company&#146;s
exposure to measurement uncertainty. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>124</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Best estimate assumptions </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Best estimate assumptions are made with respect to mortality and morbidity, investment returns, rates of policy termination, operating expenses and certain taxes. Actual experience is monitored to ensure that the
assumptions remain appropriate and assumptions are changed as warranted. Assumptions are discussed in more detail in the following table. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="42%"></TD></TR>
<TR>
<TD HEIGHT="5" COLSPAN="3" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2">&nbsp;</TD>
<TD HEIGHT="5" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#b2b2b2">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Nature of factor and assumption methodology</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#b2b2b2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Risk management</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2">
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Mortality</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>and<BR></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>morbidity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortality relates to the occurrence of death. Mortality is a key assumption for life insurance and certain
forms of annuities. Mortality assumptions are based on the Company&#146;s internal experience as well as past and emerging industry experience. Assumptions are differentiated by sex, underwriting class, policy type and geographic market. Assumptions
are made for future mortality improvements.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Morbidity relates to the occurrence of
accidents and sickness for insured risks. Morbidity is a key assumption for long-term care insurance, disability insurance, critical illness and other forms of individual and group health benefits. Morbidity assumptions are based on the
Company&#146;s internal experience as well as industry past and emerging experience and are established for each type of morbidity risk and geographic market. Assumptions are made for future morbidity improvements.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company maintains underwriting standards to
determine the insurability of applicants. Claim trends are monitored on an ongoing basis. Exposure to large claims is managed by establishing policy retention limits, which vary by market and geographic location. Policies in excess of the limits are
reinsured with other companies.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortality is monitored monthly and the overall 2013
experience was favourable (2012 &#150; favourable) when compared to the Company&#146;s assumptions. Morbidity is also monitored monthly and the overall 2013 experience was unfavourable (2012 &#150; unfavourable) when compared to the Company&#146;s
assumptions, primarily related to poor experience for Long-Term Care.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment returns</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company segments assets to support liabilities by business segment and geographic market and
establishes investment strategies for each liability segment. The projected cash flows from these assets are combined with projected cash flows from future asset purchases/sales to determine expected rates of return on these assets for future years.
The investment strategies are based on the target investment policies for each segment and the reinvestment returns are derived from current and projected market rates for fixed income investments and a projected outlook for other alternative
long-duration assets.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment return assumptions include expected future asset
credit losses on fixed income investments. Credit losses are projected based on past Company and industry experience as well as specific reviews of the current investment portfolio.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment return assumptions for each asset class and geographic market also incorporate
expected investment management expenses that are derived from internal cost studies. The costs are attributed to each asset class to develop unitized assumptions per dollar of asset for each asset class and geographic market.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company&#146;s policy of closely matching the cash
flows of assets with those of the corresponding liabilities is designed to mitigate the Company&#146;s exposure to future changes in interest rates. The interest rate risk positions in business segments are monitored on an ongoing basis. Under CALM,
the reinvestment rate is developed using interest rate scenario testing and reflects the interest rate risk positions.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">In 2013, the movement in interest rates adversely (2012 &#150; adversely) impacted the Company&#146;s net income. This negative impact was driven by increases in swap spreads and reductions in corporate spreads
partially offset by increases in risk free rates.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The exposure to credit losses is
managed against policies that limit concentrations by issuer, corporate connections, ratings, sectors and geographic regions. On participating policies and some non-participating policies, credit loss experience is passed back to policyholders
through the investment return crediting formula. For other policies, the premiums and benefits reflect the Company&#146;s assumed level of future credit losses at contract inception or most recent contract adjustment date. The Company holds explicit
provisions in actuarial liabilities for credit risk including provisions for adverse deviation.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">In 2013, credit loss experience on debt securities and mortgages was favourable (2012 &#150; favourable) when compared to the Company&#146;s
assumptions.</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>125</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="42%"></TD></TR>

<TR>
<TD HEIGHT="5" COLSPAN="3" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2">&nbsp;</TD>
<TD HEIGHT="5" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#b2b2b2">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Nature of factor and assumption methodology</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#b2b2b2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Risk management</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment returns</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(continued)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Equities, real estate and other alternative long-duration assets are used to support liabilities where investment return experience is passed back to policyholders through dividends or credited investment return
adjustments. Equities, real estate, oil and gas and other alternative long-duration assets are also used to support long-dated obligations in the Company&#146;s annuity and pensions businesses and for long-dated insurance obligations on contracts
where the investment return risk is borne by the Company.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">In 2013, investment
experience on alternative long-duration assets backing policyholder liabilities was unfavourable (2012 &#150; unfavourable) due to losses on real estate, oil and gas properties and private equities, partially offset by gains from timber and
agriculture properties. In 2013, asset returns including origination exceeded valuation requirements.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">In 2013, investment experience for segregated fund businesses from changes in the market value of funds under management was favourable (2012 &#150; favourable) with all markets showing increases in
2013.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">In 2013, investment expense experience was favourable
(2012&nbsp;&#150;&nbsp;favourable) when compared to the Company&#146;s assumptions.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Policyholder</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>behaviour</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Policies are terminated through lapses and surrenders, where lapses represent the termination of policies due to non-payment of premiums and surrenders
represent the voluntary termination of policies by policyholders. Premium persistency represents the level of ongoing deposits on contracts where there is policyholder discretion as to the amount and timing of deposits. Policy termination and
premium persistency assumptions are primarily based on the Company&#146;s recent experience adjusted for expected future conditions. Assumptions reflect differences by type of contract within each geographic market.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company seeks to design products that minimize
financial exposure to lapse, surrender and other policyholder behaviour risk. The Company monitors lapse, surrender and other policyholder behaviour experience.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">In aggregate, 2013 policyholder behaviour experience was unfavourable (2012 &#150; unfavourable) when compared to the Company&#146;s assumptions used in the
computation of actuarial liabilities.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Expenses and taxes</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Operating expense assumptions reflect the projected costs of maintaining and servicing in-force policies,
including associated overhead expenses. The expenses are derived from internal cost studies projected into the future with an allowance for inflation. For some developing businesses, there is an expectation that unit costs will decline as these
businesses grow.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Taxes reflect assumptions for future premium taxes and other
non-income related taxes. For income taxes, policy liabilities are adjusted only for temporary tax timing and permanent tax rate differences on the cash flows available to satisfy policy obligations.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company prices its products to cover the expected
costs of servicing and maintaining them. In addition, the Company monitors expenses monthly, including comparisons of actual expenses to expense levels allowed for in pricing and valuation.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Maintenance expenses for 2013 were unfavourable (2012 &#150; unfavourable) when compared to the
Company&#146;s assumptions used in the computation of actuarial liabilities.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">The
Company prices its products to cover the expected cost of taxes.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Policyholder dividends, experience rating refunds, and other adjustable policy
elements</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">The best estimate projections for policyholder dividends and experience rating refunds, and other adjustable elements of policy benefits are determined
to be consistent with management&#146;s expectation of how these elements will be managed should experience emerge consistently with the best estimate assumptions used for mortality and morbidity, investment returns, rates of policy termination,
operating expenses and taxes.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company monitors policy experience and adjusts
policy benefits and other adjustable elements to reflect this experience.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Policyholder dividends are reviewed annually for all businesses under a framework of Board-approved policyholder dividend policies.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#b2b2b2"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Foreign currency</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign currency risk results from a mismatch of the currency of liabilities and the currency of the assets designated to support these obligations.
Where a currency mismatch exists, the assumed rate of return on the assets supporting the liabilities is reduced to reflect the potential for adverse movements in foreign exchange rates.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company generally matches the currency of its assets with the currency of the liabilities they
support, with the objective of mitigating the risk of loss arising from movements in currency exchange rates.</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s practice is to review actuarial assumptions on an annual basis as part of its review of methods and assumptions.
Where changes are made to assumptions (refer to note 8(i)), the full impact is recognized in income immediately. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>126</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(f)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sensitivity of insurance contract liabilities to changes in non-economic assumptions </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The sensitivity of net income attributed to shareholders to changes in non-economic assumptions underlying policy liabilities is shown below, assuming that there is a simultaneous change in the assumption across
all business units. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In practice, experience for each assumption will frequently vary by geographic market and business and assumption updates are made
on a business/geographic specific basis. Actual results can differ materially from these estimates for a variety of reasons including the interaction among these factors when more than one changes; changes in actuarial and investment return and
future investment activity assumptions; changes in business mix, effective tax rates and other market factors; and the general limitations of internal models. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The participating policy funds are largely self-supporting and generate no material impact on net income attributed to shareholders as a result of changes in non-economic assumptions. Experience gains or losses
would generally result in changes to future dividends, with no direct impact to shareholders. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Potential impact on net income attributed to
shareholders arising from changes to non-economic assumptions </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Decrease&nbsp;in&nbsp;net&nbsp;income<BR>&nbsp;attributable&nbsp;to&nbsp;shareholders</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Policy related assumptions</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">2% adverse change in future mortality
rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Products where an increase in rates increases insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Products where a decrease in rates increases insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">5% adverse change in future morbidity
rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2),(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(2,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">10% adverse change in future termination
rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">5% increase in future expense levels</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">An increase in mortality rates will generally increase policy liabilities for life insurance contracts whereas a decrease in mortality rates will generally
increase policy liabilities for policies with longevity risk such as payout annuities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">No amounts related to morbidity risk are included for policies where the policy liability provides only for claims costs expected over a short period, generally
less than one year, such as Group Life and Health. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The impacts of the sensitivities on long-term care for morbidity, mortality and lapse are assumed to be moderated by partial offsets from the Company&#146;s
ability to contractually raise premium rates in such events, subject to state regulatory approval. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The morbidity sensitivity for 2013 reflects the changes to assumptions made as part of the 2013 review of actuarial assumptions and methods. This includes a
change to the margin for adverse deviation on assumed future premium rate increases. In addition, the Company refined its models to better reflect the extent to which it can raise premium rates should experience deteriorate as indicated above. These
changes resulted in an increase in the sensitivity. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(g)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Provision for adverse deviation assumptions </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The assumptions
made in establishing insurance contract liabilities reflect expected best estimates of future experience. To recognize the uncertainty in these best estimate assumptions, to allow for possible mis-estimation of and deterioration in experience and to
provide a greater degree of assurance that the insurance contract liabilities are adequate to pay future benefits, the Appointed Actuary is required to include a margin in each assumption. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Under Canadian IFRS reporting, new business profits are capitalized at issue of a policy using assumptions which include a margin for adverse deviation. The margins held for each assumption decrease the income that
would be recognized at inception of the policy and are released into future earnings as the policy is released from risk. Minimum requirements are prescribed by the Canadian Institute of Actuaries for determining margins related to interest rate
risk. Specific guidance is also provided for other risks such as market, credit, mortality and morbidity risks. For other risks which are not specifically addressed by the Canadian Institute of Actuaries, a range is provided of five per cent to
20&nbsp;per cent of the expected experience assumption. The Company uses assumptions within the permissible ranges, with the determination of the level set taking into account the risk profile of the business. On occasion, in specific circumstances
for additional prudence, a margin may exceed the high end of the range, which is permissible under the Standards of Practice. This additional margin would be released if the specific circumstances which led to it being established were to change.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Each margin is reviewed annually for continued appropriateness. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>127</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(h)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Change in insurance contract liabilities </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The change in
insurance contract liabilities was a result of the following business activities and changes in actuarial estimates. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net<BR>actuarial<BR>liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other&nbsp;
insurance<BR>contract<BR>liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net&nbsp;insurance<BR>contract<BR>liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinsurance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">insurance</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">contract</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>171,364</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>179,714</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,681</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>198,395</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">New policies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,181</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,181</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>286</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,467</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Normal in-force movement</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,965</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(11,014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,986</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(14,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of sale of Taiwan insurance business (note 3)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,527</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,535</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(75</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,610</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in methods and assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,036</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(85</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>951</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>470</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,421</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,209</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>293</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,502</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,067</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,569</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>167,298</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,501</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>175,799</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>193,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">170,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">179,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">190,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustment due to reclassification of policy liabilities to segregated fund liability (note 2)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">New policies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,872</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Normal in-force movement</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,376</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in methods and assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,051</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,592</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(242</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,834</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(243</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,077</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;171,364</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;8,350</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;179,714</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other insurance contract liabilities are comprised of benefits payable and provision for unreported claims and policyholder amounts on deposit.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Actuarial methods and assumptions </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">A comprehensive review of
valuation assumptions and methods is performed annually and is designed to minimize the Company&#146;s exposure to uncertainty by managing both asset related and liability related risks. This is accomplished by monitoring experience and updating
assumptions which represent a best estimate view of future experience, and margins that are appropriate for the risks assumed. While the assumptions selected represent the Company&#146;s current best estimates and assessment of risk, the ongoing
monitoring of experience and the economic environment is likely to result in future changes to the valuation assumptions, which could be material. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>2013 review </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2013, the review of actuarial assumptions
and methods resulted in an increase in policy liabilities of $948, net of reinsurance. The impact of the changes in actuarial assumptions and methods increased reinsurance assets by $447. Net of the impacts on participating surplus and
non-controlling interests, net income attributable to shareholders decreased by $489. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table represents the impact of the 2013 changes in
actuarial assumptions and models on policy liabilities and net income attributed to shareholders. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="white-space:nowrap">To&nbsp;pre-tax</FONT><BR>policy&nbsp;liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">To&nbsp;net&nbsp;income&nbsp;attributed&nbsp;to</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Assumption</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase&nbsp;(decrease)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase&nbsp;(decrease)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Lapses and policyholder behaviour</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Insurance premium persistency update</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>320</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance lapse updates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>472</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(233</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Variable annuity lapse update</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Long-Term Care triennial review</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated fund parameters update</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(220</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>203</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other updates</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>257</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(159</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net impact</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;(489</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Lapses and policyholder behaviour </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Premium persistency assumptions were adjusted in the U.S. for universal life and variable universal life products to reflect recent and expected future experience which led to a $208 charge to net income.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Lapse rates across several insurance business units were updated to reflect recent and expected future policyholder lapse experience. This included a
review of the lapse experience for the Canadian individual insurance whole life and term products and certain whole life insurance products in Japan. Net of the impact on participating surplus, updates to lapse rates for insurance products resulted
in a $233 charge to net income. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>128</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Lapse rate assumptions were updated for a number of Variable Annuity contracts to reflect updated experience results,
including reducing base lapse rates in Japan as contracts get closer to maturity. This resulted in a charge of $80 to net income. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>U.S. Long-Term
Care triennial review </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">U.S. Insurance completed a comprehensive long-term care experience study. This included a review of mortality and morbidity
experience, lapse experience, and of the policy liabilities for in-force rate increases filed for as a result of the 2010 review. The net impact of the review was a $12 charge to net income. This included several offsetting items as outlined below.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Expected claims costs increased primarily due to lower mortality, higher incidence rates, and claims periods longer than expected in policy liabilities.
This increase in expected cost was offset by a number of items, including: (i)&nbsp;the expected future premium increases resulting from this year&#146;s review, (ii)&nbsp;actual experience on previously filed rate increases as the actual approval
rate is higher than what was reflected in policy liabilities, (iii)&nbsp;method and modeling refinements largely related to the modeling of future tax cash flows, and (iv)&nbsp;updated lapse assumptions. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The expected future premium increases assumed in the policy liabilities resulted in a benefit of $1.0 billion to net income; this includes a total of $0.5 billion
from future premium increases that are related to revised morbidity, mortality and lapse assumptions, while the remainder is a carryover from outstanding amounts from 2010 filings. Premium increases averaging approximately 25&nbsp;per cent will be
sought on about one half of the in-force business, excluding the carryover of 2010 amounts requested. U.S. Insurance has factored into its assumptions the estimated timing and amount of state approved premium increases. The actual experience in
obtaining price increases could be materially different than was assumed, resulting in further policy liability increases or releases which could be material. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Segregated fund parameters update </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Certain parameters used in the stochastic valuation of the segregated fund
valuation were updated and resulted in a $203 benefit to net income. The primary updates were to the foreign exchange and bond fund parameters both of which were favourable. The bond parameter reviews included updates to interest rate and volatility
assumptions. The impact of interest rate movements in the period between the last review effective March&nbsp;31, 2012 and March&nbsp;31, 2013 led to a charge, which was more than offset by the impact of the increase in interest rates in the second
quarter of 2013. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other updates </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company made
a number of model refinements related to the projection of both asset and liability cash flows which led to a $109 charge to net income. This includes several offsetting items: a charge due to a refinement in the modeling of reinsurance contracts
for Canadian individual insurance; and a charge due to aligning the modeling of swaps across all segments partially offset by a benefit due to a refinement in the modeling of guaranteed minimum withdrawal benefit products in U.S. Annuities; and a
benefit due to further clarity on the treatment of Canadian investment income tax. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortality and morbidity charges of $77 to net income were the result
of the review of assumptions for multiple product lines. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The net impact of all other updates was a $27 benefit to net income, which included updates to
investment return and future expense assumptions. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>2012 review </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In 2012, the review of actuarial assumptions and methods resulted in an increase in policy liabilities of $2,686, net of reinsurance. The impact of the changes in actuarial assumptions and methods increased
reinsurance assets by $365. Net of the impacts on participating surplus and non-controlling interests, net income attributable to shareholders decreased by $1,758. The impact on net income included a $677 charge related to updates to the ultimate
reinvestment rate. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table represents the impact of the 2012 changes in actuarial assumptions and models on policy liabilities and net
income attributed to shareholders by the three main drivers. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="white-space:nowrap">To&nbsp;pre-tax</FONT><BR>policy&nbsp;liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">To&nbsp;net&nbsp;income&nbsp;attributed&nbsp;to</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Assumption</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase&nbsp;(decrease)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Related to updates to actuarial standards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Largely related to macro-economic environment<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,797</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other annual updates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(485</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">283</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net impact</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,686</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(1,758</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Beginning in first quarter of 2013, the URR is calculated on a quarterly basis, whereas in 2012 it was included in the annual review of actuarial methods and
assumptions, and amounted to a $677 post-tax charge. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>129</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(j)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance contracts contractual obligations </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Insurance
contracts give rise to obligations fixed by agreement. As at December&nbsp;31, 2013, the Company&#146;s contractual obligations and commitments relating to insurance contracts are as follows. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Payments due by period</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Less&nbsp;than&nbsp;1<BR>year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1 to 3</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3 to 5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Over&nbsp;5&nbsp;years</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract
liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;7,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;8,295</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;10,324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;491,811</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;518,230</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liability cash flows include estimates related to the timing and payment of death and disability claims, policy surrenders, policy maturities,
annuity payments, minimum guarantees on segregated fund products, policyholder dividends, commissions and premium taxes offset by contractual future premiums on in-force contracts. These estimated cash flows are based on the best estimate
assumptions used in the determination of insurance contract liabilities. These amounts are undiscounted and reflect recoveries from reinsurance agreements. Due to the use of assumptions, actual cash flows may differ from these estimates. Cash flows
include embedded derivatives measured separately at fair value. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_28"></A>Note 9&nbsp;&nbsp;&nbsp;&nbsp;Investment Contract Liabilities</B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Investment contract liabilities are contractual obligations made by the Company that do not contain significant insurance risk and are measured either at fair value or at amortized cost. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment contract liabilities measured at fair value </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment contract liabilities measured at fair value comprise certain investment savings and pension products sold primarily in Hong Kong, Japan, China, Taiwan
and U.S. Fixed Products. The carrying value of investment contract liabilities measured at fair value is reflected below. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>671</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">649</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment Contract Liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;671</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;649</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The change in investment contract liabilities measured at fair value was a result of the following. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>649</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">New policies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in market conditions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in methods and assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Redemptions, surrenders and maturities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>43</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;671</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;649</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For the year ended December&nbsp;31, 2013, the net loss relating to investment contract liabilities at fair value was $1 (2012
&#150; nil). </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment contract liabilities measured at amortized cost </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment contract liabilities measured at amortized cost comprise funding agreements issued by JHUSA to JHGF II (refer to note&nbsp;2(a)(ii)) and several annuity
certain products sold in Canada and the U.S. Annuity certain products considered investment contracts are those that provide guaranteed income payments for a contractually determined period of time and are not contingent on survivorship. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment contract liabilities measured at amortized cost are shown below. The fair value associated with these contracts is also shown for comparative purposes.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note 2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Amortized</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">cost</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair&nbsp;value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Amortized</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">cost</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair&nbsp;value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Funding agreements issued by JHUSA to JHGF II</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">382</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. annuity certain products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,210</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,234</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian annuity certain products</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>288</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>307</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">249</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">276</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment contract liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,853</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,896</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,771</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,875</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>130</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The change in investment contract liabilities measured at amortized cost was a result of the following business
activities. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,771</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,792</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">New policy deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>96</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Withdrawals</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(197</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,853</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,771</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For the year ended December&nbsp;31, 2013, the net loss relating to investment contracts measured at amortized cost was $79
(2012&nbsp;&#150; $82). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Medium term notes offer a specified guaranteed fixed or floating rate of return based on external market indices and are
comprised of the following contractual terms. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Issue date</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Maturity&nbsp;date</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying value</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">5.000% USD Funding agreement issued by JHUSA to JHGF II</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">September&nbsp;24,&nbsp;2003</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">September&nbsp;30,&nbsp;2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">4.670% HKD Funding agreement issued by JHUSA to JHGF II</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">March 16, 2004</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">March 17, 2014</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">5.250% USD Funding agreement issued by JHUSA to JHGF II</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">February 18, 2003</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">February 25, 2015</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>321</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total carrying value</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">382</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Fair value</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;381</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The carrying value of the funding agreements issued by JHUSA to JHGF II is amortized at the effective interest rates which exactly
discount the contractual cash flows to the net carrying amount of the liabilities at the date of issue. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The fair value of the funding agreements issued
by JHUSA to JHGF II is determined using a discounted cash flow approach based on current market interest rates adjusted for the Company&#146;s own credit standing. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The carrying value of annuity certain products is amortized at a rate that exactly discounts the projected actual cash flows to the net carrying amount of the liability at the date of issue. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The fair value of annuity certain products is determined by projecting cash flows according to the contract terms and discounting the cash flows at current market
rates adjusted for the Company&#146;s own credit standing. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment contracts contractual obligations </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Investment
contracts give rise to obligations fixed by agreement. As at December&nbsp;31, 2013, the Company&#146;s contractual obligations and commitments relating to investment contracts are as follows. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Payments due by period</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Less&nbsp;than&nbsp;1<BR>year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1&nbsp;to&nbsp;3</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3&nbsp;to&nbsp;5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Over 5<BR>years</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract
liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>695</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>343</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,689</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,973</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Due to the nature of the products, the timing of net cash flows may be before contract maturity. Cash flows are undiscounted. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_29"></A>Note 10&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s policies and procedures for managing risk related to financial instruments can be found in the &#147;Risk Management and Risk Factors&#148; section of the Company&#146;s 2013 MD&amp;A for the
year ended December&nbsp;31, 2013. Specifically, these disclosures are included in &#147;Market Risk&#148; and &#147;Liquidity Risk&#148; in this section. These disclosures are in accordance with IFRS 7 &#147;Financial Instruments: Disclosures&#148;
and therefore, the shaded text and tables form an integral part of these Consolidated Financial Statements. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Credit risk </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Credit risk is the risk of loss due to the
inability or unwillingness of a borrower, or counterparty, to fulfill its payment obligations. Worsening or continued poor economic conditions could result in defaults or downgrades and could lead to increased provisions or impairments related to
the Company&#146;s general fund invested assets, derivative financial instruments and reinsurance and an increase in provisions for future credit impairments to be included in actuarial liabilities. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s exposure to credit risk is managed through risk management policies and procedures which include a defined credit evaluation and adjudication
process, delegated credit approval authorities and established exposure limits by borrower, corporate </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>131</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">
connection, credit rating, industry and geographic region. The Company measures derivative counterparty exposure as net potential credit exposure, which takes into consideration mark-to-market
values of all transactions with each counterparty, net of any collateral held, and an allowance to reflect future potential exposure. Reinsurance counterparty exposure is measured reflecting the level of ceded liabilities. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company also ensures where warranted, that mortgages, private placements and bank loans, are secured by collateral, the nature of which depends on the credit
risk of the counterparty. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">An allowance for losses on loans is established when a loan becomes impaired. Provisions for loan losses are calculated to
reduce the carrying value of the loans to estimated net realizable value. The establishment of such provisions takes into consideration normal historical credit loss levels and future expectations, with an allowance for adverse deviations. In
addition, policy liabilities include general provisions for credit losses from future asset impairments. Impairments are identified through regular monitoring of all credit related exposures, considering such information as general market
conditions, industry and borrower specific credit events and any other relevant trends or conditions. Allowance for losses on reinsurance contracts is established when a reinsurance counterparty becomes unable or unwilling to fulfill its contractual
obligations. The allowance for loss is based on current recoverable amounts and ceded policy liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Credit risk associated with derivative
counterparties is discussed in note 10(d) and credit risk associated with reinsurance counterparties is discussed in note 10(i). </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Credit exposure
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table outlines the gross carrying amount of financial instruments subject to credit exposure, without taking into account any
collateral held or other credit enhancements. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>97,123</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100,161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,834</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,998</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policy loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,673</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Accrued investment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,813</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,792</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinsurance assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other financial assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,916</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,464</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;214,646</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;222,095</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Credit quality </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The credit
quality of mortgages (excluding mortgages held by Manulife Bank of Canada) and private placements is assessed at least annually by using an internal rating based on, the regular monitoring of credit related exposures, considering both qualitative
and quantitative factors. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">A write-off is recorded when internal risk ratings indicate that a loss represents the most likely outcome. The assets are
designated as non-accrual and an allowance is established based on an analysis of the security and repayment sources. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table summarizes the
carring value of mortgages and private placements by internally generated credit quality indicator. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">AAA</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">AA</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">A</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">BBB</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">BB</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">B&nbsp;&amp;&nbsp;lower</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>791</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,845</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,949</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,112</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,118</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages (excluding Manulife Bank of Canada)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,020</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,562</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,019</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,264</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>500</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>165</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,530</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,811</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,762</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;12,864</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,213</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,612</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,283</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>41,545</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">697</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,633</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,709</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,285</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages (excluding Manulife Bank of Canada)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,301</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,024</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,781</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,749</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">631</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">357</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19,843</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;4,657</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,490</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;19,865</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,466</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,642</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;40,118</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For bank loans and mortgages held by Manulife Bank of Canada, the Company assigns an internal risk rating ranging from &#147;1
&#150; little or no risk&#148; to &#147;8 &#150; doubtful&#148;. The internal risk ratings are updated at least annually and reflect the credit quality of the lending asset including such factors as original credit score and product characteristics.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Full or partial write-offs of loans are recorded when management believes there is no realistic prospect of full recovery. Write-offs, net of
recoveries, are deducted from the allowance for credit losses. All impairments are captured in the allowance for credit losses. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>132</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table summarizes the mortgages and bank loans recorded by Manulife Bank of Canada by credit quality
indicator. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">4 &amp; lower</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,439</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,028</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>389</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,485</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,973</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>128</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,929</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December 31, 2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">398</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,714</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,142</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;9,823</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;7,432</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;126</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;17,381</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Past due or credit impaired financial assets </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company provides for credit risk by establishing allowances against the carrying value of impaired loans and recognizing impairment losses on AFS debt securities. In addition, the Company reports as an
impairment certain declines in the fair value of debt securities designated as FVTPL which it deems represent an impairment. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table
summarizes the carrying value or impaired value in the case of impaired debt securities, of the Company&#146;s financial assets that are considered past due or impaired. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Past due but not impaired</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Less&nbsp;than&nbsp;90<BR>days</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">90&nbsp;days&nbsp;and<BR>greater</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total<BR>impaired</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>115</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages and bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>86</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other financial assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;115</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;62</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;177</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;307</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages and bank loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other financial assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">43</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">110</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">321</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">82</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">403</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">337</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table summarizes the Company&#146;s loans that are considered impaired. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross<BR>carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Allowances<BR>for losses</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net&nbsp;carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>81</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>115</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages and bank loans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>78</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>106</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>168</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages and bank loans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">135</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">54</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">81</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;253</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;89</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;164</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>133</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Allowance for loan losses </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Private<BR>placements</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages<BR>and bank<BR>loans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Private<BR>placements</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages<BR>and bank<BR>loans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January 1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>89</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Provisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>77</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Recoveries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Write-offs<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(43</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December 31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>81</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;106</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">54</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">89</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes disposals and impact of changes in foreign exchange rates. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Securities lending, repurchase and reverse repurchase transactions </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company engages in securities lending to generate fee income. Collateral, which exceeds the market value of the loaned securities, is retained by the Company until the underlying security has been returned to
the Company. The market value of the loaned securities is monitored on a daily basis with additional collateral obtained or refunded as the market value of the underlying loaned securities fluctuates. As at December&nbsp;31, 2013, the Company had
loaned securities (which are included in invested assets) with a market value of $1,422 (2012 &#150; $1,456). The Company holds collateral with a current market value that exceeds the value of securities lent in all cases. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company engages in reverse repurchase transactions to generate fee income and to take possession of securities to cover short positions in similar instruments
and undertake repurchase transactions for short term funding purposes. As at December&nbsp;31, 2013, the Company had engaged in reverse repurchase transactions of $6 (2012 &#150; $577) which are recorded as short-term receivables. There were
outstanding repurchase agreements of $200 as at December&nbsp;31, 2013 (2012 &#150; $641) which are recorded as payables. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Credit default swaps </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company replicates exposure to
specific issuers by selling credit protection via credit default swaps (&#147;CDSs&#148;) in order to complement its cash debt securities investing. The Company will not write CDS protection in excess of its government debt securities holdings. A
CDS is a derivative instrument representing an agreement between two parties to exchange the credit risk of a single specified entity or an index based on the credit risk of a group of entities (all commonly referred to as the &#147;reference
entity&#148; or a portfolio of &#147;reference entities&#148;), in return for a periodic premium. CDS contracts typically have a five year term. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
following table provides details of the credit default swap protection sold by type of contract and external agency rating for the underlying reference security. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Notional<BR>amount<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair&nbsp;value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted<BR>average<BR>maturity<BR>(in&nbsp;years)<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Single name CDSs</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AAA</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AA</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">A</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>197</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total single name CDSs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>335</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total CDS protection sold</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;335</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Single name CDSs</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AAA</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AA</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">A</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">BBB</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total single name CDSs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total CDS protection sold</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">264</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The rating agency designations are based on S&amp;P where available followed by Moody&#146;s, DBRS, and Fitch. If no rating is available from a rating agency,
then an internally developed rating is used. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Notional amounts represent the maximum future payments the Company would have to pay its counterparties assuming a default of the underlying credit and zero
recovery on the underlying issuer obligation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The weighted average maturity of the CDS is weighted based on notional amounts. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company holds no purchased credit protection at December&nbsp;31, 2013 (2012 &#150; nil). </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Derivatives </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s point-in-time exposure to
losses related to the credit risk of the counterparty of derivatives transactions is limited to the amount of any net gains that may have accrued with a particular counterparty. Gross derivative counterparty exposure is measured as the total fair
value (including accrued interest) of all outstanding contracts in a gain position excluding any offsetting contracts in a loss position and the impact of collateral on hand. The Company seeks to limit the risk of credit losses from derivative
counterparties by: establishing a minimum acceptable counterparty credit rating of A- from external rating agencies; entering into master netting arrangements which permit the offsetting of contracts in a loss position in the case of a counterparty
default; and entering into Credit Support Annex agreements, whereby collateral must be provided when the exposure exceeds a certain threshold. All contracts are held with counterparties rated A- or higher. As at December&nbsp;31, 2013, the
percentage of the Company&#146;s derivative exposure which was with counterparties rated AA- or higher amounted to 12&nbsp;per cent (2012 &#150; 19&nbsp;per cent). The Company&#146;s exposure to credit risk was mitigated by $3,656 fair value of
collateral held as security as at December&nbsp;31, 2013 (2012 &#150; $9,249). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the largest single counterparty exposure,
without taking into account the impact of master netting agreements or the benefit of collateral held, was $2,138 (2012 &#150; $2,922). The net exposure to this counterparty, after taking into account master netting agreements and the fair value of
collateral held, was nil (2012 &#150; nil). As at December&nbsp;31, 2013, the total maximum credit exposure related to derivatives across all counterparties, without taking into account the impact of master netting agreements and the benefit of
collateral held, was $10,021 (2012 &#150; $15,216). </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(e)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Offsetting financial assets and financial liabilities </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Certain derivatives, securities lending and purchase agreement have conditional offset rights. The Company does not offset these financial instruments in the
Consolidated Statements of Financial Position, as the rights of offset are conditional. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the case of derivatives, collateral is collected from and
pledged to counterparties and clearinghouses to manage credit risk exposure in accordance with Credit Support Annexes to swap agreements and clearing agreements. Under master netting agreements, the Company has a right of offset in the event of
default, insolvency, bankruptcy or other early termination. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the case of reverse repurchase and repurchase transactions, additional collateral may be
collected from or pledged to counterparties to manage credit exposure according to bilateral reverse repurchase or repurchase agreements. In the event of default by a counterparty, the Company is entitled to liquidate the assets the Company holds as
collateral to offset against obligations to the same counterparty. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>135</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table presents the effect of conditional master netting and similar arrangements. Similar arrangements
may include global master repurchase agreements, global master securities lending agreements, and any related rights to financial collateral. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Related amounts not set off in the</FONT><br><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated Statements of
Financial</FONT><br><FONT STYLE="font-family:ARIAL" SIZE="1">Position</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross amounts of<BR>financial&nbsp;instruments<BR>presented in the<BR>Consolidated<BR>Statements of<BR>Financial Position<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Amounts subject to an<BR>enforceable master<BR>netting&nbsp;arrangement&nbsp;or<BR>similar agreements</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Financial and<BR>cash&nbsp;collateral<BR>pledged<BR>(received)<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net
amount<BR>including<BR>financing&nbsp;trusts<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net&nbsp;amounts<BR>excluding<BR>financing<BR>trusts</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Financial assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;10,021</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,734</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,267</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Securities lending</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,422</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,422</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reverse repurchase agreements</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total financial assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,449</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,734</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,695</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Financial liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9,162</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,734</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,250</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(178</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repurchase agreements</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total financial liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9,362</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;6,734</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;2,450</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(178</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Financial assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8,545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Securities lending</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reverse repurchase agreements</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">577</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(168</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(409</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total financial assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,249</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6,816</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10,410</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Financial liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivative liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">925</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repurchase agreements</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(641</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">168</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">473</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total financial liabilities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8,526</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,816</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,398</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(312</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company does not offset financial instruments. Financial assets and liabilities in the table above include accrued interest of $352 and $233, respectively
(2012 &#150; $513 and $385, respectively). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Financial and cash collateral excludes over-collateralization. As at December&nbsp;31, 2013, the Company was over-collateralized on OTC derivative assets, OTC
derivative liabilities, securities lending and reverse purchase agreements and repurchase agreements in the amounts of $390, $297, $75 and nil, respectively (2012 &#150; $704, $312, $75 and $5, respectively). As at December&nbsp;31, 2013, collateral
pledged (received) does not include collateral in transit on OTC instruments or include initial margin on exchange traded contracts or cleared contracts. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The net amount includes derivative contracts entered into between the Company and its financing trusts which it does not consolidate. The Company does not
exchange collateral on derivative contracts entered into with these trusts. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(f)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risk concentrations </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company establishes enterprise-wide
investment portfolio level targets and limits with the objective of ensuring that portfolios are diversified across asset classes and individual investment risks. The Company monitors actual investment positions and risk exposures for concentration
risk and reports such findings to the Executive Risk Committee and the Risk Committee of the Board of Directors. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities and private placements rated as investment grade BBB or higher<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>96%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">95%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Government debt securities as a per cent of total debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">48%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Government private placements as a per cent of total private placements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Highest exposure to a single non-government debt security and private placement issuer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>643</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">777</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Largest single issuer as a per cent of the total equity portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income producing commercial office properties (2013 &#150; 74% of real estate, 2012 &#150; 82%)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,149</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,957</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Largest concentration of mortgages and real estate<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP> &#150; Ontario, Canada (2013 &#150; 26%, 2012 &#150; 28%)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;12,324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;12,070</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment grade debt securities and private placements include 31% rated A, 18% rated AA and 26% rated AAA (2012 &#150; 29%, 18% and 29%) based on external
ratings where available. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages and real estate are diversified geographically and by property type. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>136</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table shows the distribution of the debt securities and private placement portfolio by sector and
industry. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Debt securities and private placements </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note 2)</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;of&nbsp;total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;of&nbsp;total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58,658</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Utilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22,612</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21,412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Financial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,150</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,505</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Energy</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,142</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Consumer (non-cyclical)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,695</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,239</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,085</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Securitized</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,441</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Basic materials</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,704</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,369</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Consumer (cyclical)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,181</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Telecommunications</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,411</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Technology</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,493</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Media and internet</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,075</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,351</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Diversified and miscellaneous</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>319</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;135,972</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;139,434</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(g)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance risk </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Insurance risk is the risk of loss due to
actual experience differing from the experience assumed when a product was designed and priced with respect to mortality and morbidity claims, policyholder behaviour and expenses. A variety of assumptions are made related to the future level of
claims, policyholder behaviour, expenses and sales levels when products are designed and priced as well as in the determination of policy liabilities. Assumptions for future claims are generally based on Company and industry experience and
assumptions for policyholder behaviours are generally based on Company experience. Such assumptions require a significant amount of professional judgment and, therefore, actual experience may be materially different than the assumptions made by the
Company. Claims may be impacted by the unusual onset of disease or illness, natural disasters, large-scale man-made disasters and acts of terrorism. Policyholder premium payment patterns, policy renewal, withdrawal and surrender activity is
influenced by many factors including market and general economic conditions, and the availability and price of other products in the marketplace. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The
Company manages insurance risk through global policies, standards and best practices with respect to product design, pricing, underwriting and claim adjudication, and a global life underwriting manual. Each business unit has underwriting procedures,
including criteria for approval of risks and claims adjudication procedures. The Company has a global retention limit of US$30 and US$35, respectively, for individual and survivorship life insurance. Lower limits are applied in some markets and
jurisdictions. The Company further reduces exposure to claims concentrations by applying geographical aggregate retention limits for certain covers. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(h)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Concentration risk </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The geographic concentration of the
Company&#146;s insurance and investment contract liabilities, including embedded derivatives, is shown below. The disclosure is based on the countries in which the business is written. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross<BR>liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinsurance<BR>assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net<BR>liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. and Canada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>164,352</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(17,344</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>147,008</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia and Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31,594</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(99</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31,495</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total insurance and investment contract liabilities, including embedded
derivatives</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>195,946</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;178,503</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated - note 2)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. and Canada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">169,945</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">151,360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia and Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">31,137</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(96</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">31,041</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total insurance and investment contract liabilities, including embedded
derivatives</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;201,082</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">182,401</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Reinsurance risk </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the normal course of business, the
Company limits the amount of loss on any one policy by reinsuring certain levels of risk with other insurers. In addition, the Company accepts reinsurance from other reinsurers. Reinsurance ceded does not discharge the Company&#146;s liability as
the primary insurer. Failure of reinsurers to honour their obligations could result in losses to the Company; consequently, allowances are established for amounts deemed uncollectible. In order to minimize losses from reinsurer insolvency, the
Company monitors the concentration of credit risk both geographically and with any one reinsurer. In addition, the Company selects reinsurers with high credit ratings. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>137</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at December&nbsp;31, 2013, the Company had $17,443 (2012 &#150; $18,681) of reinsurance assets. Of this,
90&nbsp;per cent (2012 &#150; 91&nbsp;per cent) were ceded to reinsurers with Standard and Poor&#146;s ratings of A- or above. The Company&#146;s exposure to credit risk was mitigated by $8,078 fair value of collateral held as security as at
December&nbsp;31, 2013 (2012 &#150; $9,123). Net exposure after taking into account offsetting agreements and the benefit of the fair value of collateral held was $9,365 (2012&#150;$9,558). </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_30"></A>Note 11&nbsp;&nbsp;&nbsp;&nbsp;Fair Value Measurement </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Fair value is defined as the
price that would be received to sell an asset or paid to transfer a liability in an orderly transaction (not a forced liquidation or distress sale) between market participants at the measurement date; that is, an exit value. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">When available, quoted market prices are used to determine fair value. If quoted market prices are not available, fair value is typically based upon alternative
valuation techniques such as discounted cash flows, matrix pricing, consensus pricing services and other techniques. Broker quotes are generally used when external public vendor prices are not available. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s quality assurance process also includes a review of price movements relative to the market, a comparison of prices between vendors, and a
comparison to internal matrix pricing which predominately uses external observable data. Judgment is applied in adjusting external observable data for items including liquidity and credit factors. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company categorizes its fair value measurements according to a three-level hierarchy. The hierarchy prioritizes the inputs used by the Company&#146;s valuation
techniques. A level is assigned to each fair value measurement based on the lowest level input significant to the fair value measurement in its entirety. The three levels of the fair value hierarchy are defined as follows: </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Level 1 &#150; Fair value measurements that reflect unadjusted, quoted prices in active markets for identical assets and liabilities that the Company has the
ability to access at the measurement date. Valuations are based on quoted prices reflecting market transactions involving assets or liabilities identical to those being measured. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Level 2 &#150; Fair value measurements using inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. These include quoted prices for
similar assets and liabilities in active markets, quoted prices for identical or similar assets and liabilities in inactive markets, inputs that are observable that are not prices (such as interest rates, credit risks, etc.) and inputs that are
derived from or corroborated by observable market data. Most debt securities are classified within Level 2. Also, included in the Level 2 category are derivative instruments that are priced using models with observable market inputs, including
interest rate swaps, equity swaps, and foreign currency forward contracts. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Level 3 &#150; Fair value measurements using significant non-market
observable inputs. These include valuations for assets and liabilities that are derived using data, some or all of which is not market observable, including assumptions about risk. Level 3 securities include less liquid securities such as structured
asset-backed securities, commercial mortgage-backed securities (&#147;CMBS&#148;) and other securities that have little or no price transparency. Embedded and complex derivative financial instruments as well as real estate classified as investment
property are also included in Level 3. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>138</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table presents fair value of the Company&#146;s assets and liabilities measured at fair value in the
Consolidated Statements of Financial Position, categorized by level under the fair value hierarchy. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total fair<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Level 1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Level 2</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Level 3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>ASSETS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash and short-term securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>421</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>421</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,617</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,592</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,592</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Debt securities</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>FVTPL</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,106</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,377</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>729</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,189</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,029</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,862</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,542</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>320</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>57,192</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>55,196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,996</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Residential mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>159</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commercial mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>827</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>564</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>263</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other securitized assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,788</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,711</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>77</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AFS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,844</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,306</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,383</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,380</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other government and agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,962</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,017</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,889</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>128</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Residential mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>368</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>337</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commercial mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>90</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other securitized assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>170</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>139</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Equities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,011</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11,005</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,064</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,064</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Real estate &#150; investment property</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other invested assets</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,508</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,508</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Derivative assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,177</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign exchange contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>133</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>132</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>323</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>293</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Credit default swaps</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds net assets</B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>219,538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,972</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,361</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets carried at fair value</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;408,618</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;235,199</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;148,786</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;24,633</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>LIABILITIES</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Derivative liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,340</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,888</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>452</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign exchange contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>589</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>569</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment contract liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>671</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>671</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds net liabilities</B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>219,538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,972</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,361</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities carried at fair value</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>249,471</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>219,538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27,100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,833</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The assets included in Level 3 consist primarily of debt securities with maturities greater than 30 years for which the yield is not observable, as well as debt
securities where prices are only single quoted broker prices that are not provided publicly and therefore are not observable. Spread inputs are not applicable since public debt securities are priced externally. These debt securities are considered
Level 3 as an extrapolated Treasury rate is used to determine price. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">For investment property, the significant unobservable inputs are capitalization rate (ranging from 4.5% to 8.5% during the year) and terminal capitalization rate
(ranging from 5.1% to 9% during the year). Holding other factors constant, a lower capitalization or terminal capitalization rate will tend to increase the fair value of investment property. Changes in fair value based on variations in unobservable
input generally cannot be extrapolated because the relationship between the directional changes of each input is not usually linear. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other invested assets measured at fair value held primarily in power and infrastructure and timber sectors. The significant inputs used in the valuation of the
Company&#146;s power and infrastructure investments are primarily future distributable cash flows, terminal values and discount rates. Holding other factors constant, an increase to future distributable cash flows or terminal values would tend to
increase the fair value of a power and infrastructure investment, while an increase in the discount rate would have the opposite effect. Discount rates during the year ranged from 10% to 18%. Disclosure of distributable cash flow and terminal value
ranges are not meaningful given the disparity in estimates by project. The significant inputs used in the valuation of the Company&#146;s investments in timberland are timber prices and discount rates. Holding other factors constant, an increase to
timber prices would tend to increase the fair value of a timberland investment, while an increase in the discount rates would have the opposite effect. Discount rates during the year ranged from 5.25% to 6%. A range of prices for timber is not
meaningful given the disparity in estimates by property. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets are recorded at fair value. The Company&#146;s Level 3 segregated funds assets are predominantly invested in timberland properties
valued as described above. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>139</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For assets and liabilities not measured at fair value in the Consolidated Statements of Financial Position, the
following table discloses summarized fair value information categorized by level in the preceding hierarchy, together with the related carrying values. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Carrying<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total fair<BR>value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Level&nbsp;1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Level&nbsp;2</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Level&nbsp;3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>ASSETS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgages<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,558</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39,176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39,176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Private placements<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,015</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22,008</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,619</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,389</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Policy loans<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank loans<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,901</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,907</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,907</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate - own use property<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>804</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,476</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,476</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other invested assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(</SUP><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,987</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,183</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,183</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets disclosed at fair value</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>73,635</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>77,120</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27,896</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;49,224</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>LIABILITIES</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(</SUP><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,853</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,896</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,896</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,775</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,105</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,105</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital
instruments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,725</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>358</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,367</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Bank
deposits<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(9)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,869</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,953</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,953</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities disclosed at fair value</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;30,882</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;31,679</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;358</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;31,321</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value of mortgages is derived through matrix pricing using both observable and unobservable inputs. Unobservable inputs including credit assumptions have a
significant impact on the valuation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value of private placements is based on techniques and assumptions which reflect changes since origination of both interest rates and creditworthiness of
the individual borrower and also include an unobservable liquidity adjustment and any applicable provision for credit loan losses. Private placements are classified within Level 2 unless the liquidity adjustment constitutes a significant price
impact, in which case the security may be classified as Level 3. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fair value of policy loans is equal to their unpaid principal balances (Level 2). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fair value of fixed-rate bank loans is determined by discounting expected future cash flows at market interest rates for instruments with similar remaining
terms and credit risks (Level 2). Fair value for variable-rate bank loans is assumed to be their carrying values since there are no fixed spreads (Level 2). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value of own use real estate and the level of the fair value hierarchy is calculated in accordance with the methodologies described for real estate &#150;
investment property in note 1. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other invested assets disclosed at fair value include $2,629 of leveraged leases which are shown at their carrying values as fair value is not routinely
calculated on these investments. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fair value of the medium term notes and annuity certain products is determined using a discounted cash flow approach based on current market interest rates
adjusted for the Company&#146;s own credit standing. All investment contract liabilities are classified in Level 2 as their valuations use observable market data. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fair value of the long-term debt and liabilities for preferred shares and capital instruments is determined using quoted market prices where available (Level
1). When quoted market prices are not available the fair value is determined with reference to quoted prices of a debt instrument with similar characteristics or estimated using discounted cash flows using observable market rates (Level 2).
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(9)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fair value of bank deposits is determined by discounting the contractual cash flows, using market interest rates currently offered for deposits with similar
terms and conditions (Level 2). </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Transfers of Level 1 and Level 2 assets and liabilities </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s policy is to record transfers of assets and liabilities between Level 1 and Level 2 at their fair values as at the end of each reporting period,
consistent with the date of the determination of fair value. Assets are transferred out of Level 1 when they are no longer transacted with sufficient frequency and volume in an active market. During the year ended December&nbsp;31, 2013, the Company
transferred $7 of assets measured at fair value from Level 1 to Level 2 during the year. Conversely, assets are transferred from Level 2 to Level 1 when transaction volume and frequency are indicative of an active market. The Company transferred $28
of assets from Level 2 to Level 1 during the year ended December&nbsp;31, 2013. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>140</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Assets and liabilities measured at fair value on the Consolidated Statements of Financial Position using
significant unobservable inputs (Level 3) </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The table below provides a fair value roll forward for the assets and liabilities measured at fair value
for which significant unobservable inputs (Level 3) are used in the fair value measurement for the year ended December&nbsp;31, 2013. The Company classifies the fair values of assets and liabilities as Level 3 if there are no observable markets for
the instruments or, in the absence of active markets, the majority of the inputs used to determine fair value are based on the Company&#146;s own assumptions about market participant assumptions. The Company prioritizes the use of market-based
inputs over entity-based assumptions in determining Level 3 fair values and, therefore, the gains and losses in the table below include changes in fair value due partly to observable and unobservable factors. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net realized /<BR>unrealized gains<BR>(losses)&nbsp;included&nbsp;in:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Transfers</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Change in<BR>unrealized<BR>gains<BR>(losses) on<BR>instruments<BR>still held</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance<BR>as at<BR>January&nbsp;1,<BR>2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Net<BR>income<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">OCI<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Purchases</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Issuances</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Sales</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Settlements</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Into<BR>Level&nbsp;3<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Out of<BR>Level&nbsp;3<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency<BR>movement</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance as at<BR>December&nbsp;31,<BR>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Debt securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>FVTPL</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian government&nbsp;&amp; agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>396</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>742</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(276</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>729</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. government&nbsp;&amp; agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>180</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other government&nbsp;&amp; agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>148</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(611</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>320</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,094</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(120</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>569</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(123</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(378</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,996</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(138</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Residential mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>194</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commercial mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>203</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>73</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(37</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>263</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other securitized assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>135</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(29</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>77</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,002</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(158</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,532</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(655</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>88</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,692</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(223</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AFS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian government&nbsp;&amp; agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>210</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>597</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(198</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. government&nbsp;&amp; agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other government&nbsp;&amp; agency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>151</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>128</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Residential mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commercial mortgage/asset-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other securitized assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>563</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(71</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>675</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(74</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>51</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>843</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Equities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">FVTPL</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">AFS</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Real estate - investment property</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,724</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,069</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(248</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>92</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other invested assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,836</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>546</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,266</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(186</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>386</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,508</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>440</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14,560</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>644</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,335</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(434</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>647</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,412</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>532</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net derivatives</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(388</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(116</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(193</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds net assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,212</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>170</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(201</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,361</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;21,331</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;265</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;4,874</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(662</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;93</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(647</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;903</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;24,161</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;243</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">These amounts are included in investment income on the Consolidated Statements of Income, except for the segregated funds amount which is included in the
investment related section of the changes in net assets for segregated funds (note 23). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">These amounts are included in AOCI on the Consolidated Statements of Financial Position. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">For financial assets that are transferred into and/or out of Level 3, the Company uses the fair value of the assets at the beginning of the year.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company may hedge positions with offsetting positions that are classified in a different level. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The transfers into Level 3 primarily result from securities that were impaired during the year or securities where a lack of observable market data (versus the
previous year) resulted in reclassifying assets into Level 3. The transfers from Level 3 primarily result from observable market data now being available for the entire term structure of the debt security. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>141</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_31"></A>Note 12&nbsp;&nbsp;&nbsp;&nbsp;Long-Term Debt </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>The following obligations are included in long-term debt. </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Maturity&nbsp;date</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Par value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">3.40% Senior notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">September&nbsp;17,&nbsp;2015</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">US$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>637</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">4.90% Senior notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">September 17, 2020</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">US$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>529</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">4.079% Medium term notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">August 20, 2015</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>899</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">898</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">4.896% Medium term notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">June 2, 2014</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>999</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">999</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">7.768% Medium term notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">April 8, 2019</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>598</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">598</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">5.161% Medium term notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">June 26, 2015</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>549</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">5.505% Medium term notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">June 26, 2018</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">4.67% Medium term notes<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">March 28, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Promissory note to Manulife Finance (Delaware),
L.P.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">December 15, 2016</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other notes payable</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;4,775</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;5,046</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The US$ senior notes have been designated as a hedge of the Company&#146;s net investment in its U.S. operations to reduce the earnings volatility that would
otherwise arise from the translation of the U.S. denominated debt into Canadian dollars. The senior note may be redeemed in whole or in part, at the option of MFC at any time, at a redemption price equal to the greater of par and a price based on
the yield of a corresponding U.S. Treasury bond plus a specified number of basis points. The number of basis points is 30 basis points for the 3.40% senior notes and 35 basis points for the 4.90% senior notes. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The medium term notes may be redeemed in whole or in part, at the option of MFC at any time, at a redemption price equal to the greater of par and price based on
the yield of a corresponding Government of Canada bond plus a specified number of basis points. The numbers of basis points for the 4.079%, 4.896%, 7.768%, 5.161% and 5.505% medium term notes are 46, 57.5, 125, 36 and 39, respectively.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The note bears interest at the 90-day Bankers&#146; Acceptance rate plus 2.33%, payable quarterly. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The cash amount of interest paid during the year ended December&nbsp;31, 2013 was $243 (2012 &#150; $249). Issue costs are amortized over the term of the debt.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Aggregate maturities of long-term debt </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less than one year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">One to two years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,085</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">999</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Two to three years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,042</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Three to four years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Four to five years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Greater than five years</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,491</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;4,775</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;5,046</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_32"></A>Note 13&nbsp;&nbsp;&nbsp;&nbsp;Liabilities for Preferred Shares and Capital Instruments
</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Carrying value of liabilities for preferred shares and capital instruments </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Issuance&nbsp;date</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Maturity&nbsp;date</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Par value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012 <SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred shares &#150; Class&nbsp;A Shares, Series
1<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">June 19, 2003</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>344</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior debenture notes 7.535% fixed/floating<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">July 10, 2009</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">December 31, 2108</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Surplus notes &#150; 7.375% U.S. dollar<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">February 25, 1994</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">February 15, 2024</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">US$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>501</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">470</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subordinated debentures &#150; 4.21%
fixed/floating<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">November 18, 2011</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">November 18, 2021</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>548</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subordinated debentures &#150; 4.165%
fixed/floating<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">February 17, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">June 1, 2022</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>498</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subordinated debentures &#150; 2.819%
fixed/floating<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">February 25, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">February 26, 2023</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>199</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subordinated debentures &#150; 2.926%
fixed/floating<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">November&nbsp;29,&nbsp;2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">November&nbsp;29,&nbsp;2023</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>249</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subordinated note &#150; floating<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">December 14, 2006</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">December 15, 2036</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">650</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>647</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Subordinated note &#150;
floating<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(9)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;14,&nbsp;2006</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">January 15, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">398</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 14&nbsp;million Class&nbsp;A Shares, Series 1 (&#147;Series 1 Preferred Shares&#148;) were issued by MFC at a price of $25.00 per share are non-voting and
are entitled to non-cumulative preferential cash dividends payable quarterly, if and when declared, at a per annum rate of 4.10%. With regulatory approval, the Series 1 Preferred Shares may be redeemed by MFC, in whole or in part, at declining
premiums that range from $1.25 to nil per Series 1 Preferred Share, by either payment of cash or the issuance of MFC common shares. On or after December&nbsp;19, 2015, the Series 1 Preferred Shares will be convertible at the option of the holder
into MFC common shares, the number of which is determined by a prescribed formula, and is subject to the right of MFC prior to the conversion date to redeem for cash or find substitute purchasers for such preferred shares. The prescribed formula is
the face amount of the Series 1 Preferred Shares divided by the greater of $2.00 and 95% of the then market price of MFC common shares. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued by MLI to Manulife Financial Capital Trust II, interest is payable semi-annually. On December&nbsp;31, 2019 and on every fifth anniversary after
December&nbsp;31, 2019 (the &#147;Interest Reset Date&#148;), the rate of interest will be reset to the yield on five year Government of Canada bonds plus 5.2%. On or after December&nbsp;31, 2014, with regulatory approval, MLI may redeem the
debenture, in whole or in part, at the greater of par or the fair value of the debt based on the yield on uncallable Government of Canada bonds to the next Interest Reset Date plus (a)&nbsp;1.0325% if the redemption date is prior to
December&nbsp;31, 2019, or (b)&nbsp;2.065% if the redemption date is after December&nbsp;31, 2019, together with accrued and unpaid interest. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued by John Hancock Mutual Life Insurance Company, now John Hancock Life Insurance Company (U.S.A.). Any payment of interest or principal on the surplus notes
requires prior approval from the Commissioner of the Office of Financial and Insurance Regulation of the State of Michigan. The carrying value of the surplus notes </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>142</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">
reflects an unamortized fair value increment of US$34 (2012 &#150; US$36), which arose as a result of the acquisition of John Hancock Financial Services, Inc. The amortization of the fair value
adjustment is recorded in interest expense. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued by MLI, interest is payable semi-annually. After November&nbsp;18, 2016 the interest rate is the 90-day Bankers&#146; Acceptance rate plus 2.65% and is
payable quarterly. With regulatory approval, MLI may redeem the debentures, in whole or in part, on or after November&nbsp;18, 2016, at par, together with accrued and unpaid interest. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued by MLI, interest is payable semi-annually. After June&nbsp;1, 2017 the interest rate is the 90-day Bankers&#146; Acceptance rate plus 2.45% and is payable
quarterly. With regulatory approval, MLI may redeem the debentures, in whole or in part, on or after June&nbsp;1, 2017, at par, together with accrued and unpaid interest. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued by MLI, interest is payable semi-annually. After February&nbsp;26, 2018 the interest rate is the 90-day Bankers&#146; Acceptance rate plus 0.95% and is
payable quarterly. With regulatory approval, MLI may redeem the debentures, in whole or in part, on or after February&nbsp;26, 2018, at par, together with accrued and unpaid interest. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued by MLI, interest is payable semi-annually. After November&nbsp;29, 2018 the interest rate is the 90-day Bankers&#146; Acceptance rate plus 0.85% and is
payable quarterly. With regulatory approval, MLI may redeem the debentures, in whole or in part, on or after November&nbsp;29, 2018, at par, together with accrued and unpaid interest. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(8)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Holdings (Delaware) LLC (&#147;MHDLL&#148;), now John Hancock Financial Corporation (&#147;JHFC&#148;), a wholly owned subsidiary of MFC, issued the
note to Manulife Finance (Delaware) LLC (&#147;MFLLC&#148;), a subsidiary of Manulife Financial (Delaware) L.P. (&#147;MFLP&#148;) and its subsidiaries are related parties to the Company. The note bears interest at the 90-day Bankers&#146;
Acceptance rate plus 0.72% and is payable semi-annually. With regulatory approval, JHFC may redeem the note, in whole or in part, at any time, at par, together with accrued and unpaid interest. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(9)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued by MHDLL, now JHFC, the note is payable to MFLLC, a subsidiary of MFLP, and bears interest at 90-day Bankers&#146; Acceptance rate plus 0.552% and is
payable semi-annually. MFLP and its subsidiaries are related parties to the Company. With regulatory approval, JHFC may redeem the note, in whole or in part, at any time, at par, together with accrued and unpaid interest.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_33"></A>Note 14&nbsp;&nbsp;&nbsp;&nbsp;Share Capital and Earnings Per Share</B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The authorized capital of MFC consists of: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"><FONT STYLE="font-family:ARIAL" SIZE="2">an unlimited number of common shares without nominal or par value; and</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"><FONT STYLE="font-family:ARIAL" SIZE="2">an unlimited number of Class&nbsp;A, Class B and Class 1 preferred shares without nominal or par value, issuable in series.</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Preferred shares </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The changes in issued and outstanding
preferred shares are as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of&nbsp;shares</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of&nbsp;shares</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>102</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,497</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued, Class 1 shares, Series 7</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued, Class 1 shares, Series 9</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued, Class 1 shares, Series 11</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued, Class 1 Shares, Series 13</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issuance costs, net of tax</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,693</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">102</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,497</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Further information on the preferred shares outstanding is as follows. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Issue&nbsp;date<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Annual<BR>dividend<BR>rate<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Earliest&nbsp;
redemption<BR>date<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Number&nbsp;of<BR>shares<B></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>(in&nbsp;millions)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Face<BR>amount<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Net<BR>amount<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP><B></B></FONT></TD>

<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Class&nbsp;A preferred shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 2</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">February&nbsp;18,&nbsp;2005</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.65%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March&nbsp;19,&nbsp;2010</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>344</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 3</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">January 3, 2006</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.50%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 19, 2011</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>294</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 4<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 4, 2009</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6.60%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">June 19, 2014</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>442</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Class 1 preferred shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 1<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">June 3, 2009</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5.60%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">September&nbsp;19,&nbsp;2014</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 3<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 11, 2011</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.20%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">June 19, 2016</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 5<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">December 6, 2011</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.40%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;19,&nbsp;2016</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>195</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 7<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">February 22, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.60%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 19, 2017</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>244</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 9<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">May 24, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.40%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">September 19, 2017</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>244</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series 11<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;4,&nbsp;2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.00%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 19, 2018</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Series
13<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3),(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">June 21, 2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3.80%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">September 19, 2018</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,693</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Redemption of all preferred shares is subject to regulatory approval. With the exception of Class A Series 2 and Series 3 preferred shares. MFC may redeem each
series in whole or in part at par, on the earliest redemption date or every five years thereafter. Class&nbsp;A Series 2 and Series 3 may be redeemed on or after the earliest redemption date in whole or in part for cash at declining premiums that
range from $1.00 to nil per share. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Net of after-tax issuance costs. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">For all Class 1 preferred shares and for Class A Series 4 preferred shares, on the earliest redemption date and every five years thereafter, the annual dividend
rate will be reset to the five year Government of Canada bond yield plus a yield specified for each series. The specified yield for Class&nbsp;A Series 4 is 4.56%. The specified yield for Class 1 shares is: Series 1 &#150; 3.23%, Series 3 &#150;
1.41%, Series 5 &#150; 2.90%, Series 7 &#150; 3.13%, Series 9 &#150; 2.86%, Series 11 &#150; 2.61% and Series 13 &#150; 2.22%. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">On the earliest date and every five years thereafter, Class 1 preferred shares and class A Series 4 preferred shares are convertible at the option of the holder
in series one number higher than their existing series, and entitled to non-cumulative preferential cash dividends, payable quarterly if and when declared, at a rate equal to the three month Government of Canada treasury bill yield plus the rate
specified in footnote 3 above. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>143</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Common shares </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The changes in common shares issued and
outstanding are as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of&nbsp;shares</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of&nbsp;shares</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Common shares</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;19,886</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;19,560</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued on exercise of stock options and deferred share units</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued under dividend reinvestment and share purchase plans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>331</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">326</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,848</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,234</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,828</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19,886</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Earnings per share </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Basic earnings per common share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1.63</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;0.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Diluted earnings per common share</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.62</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16" COLSPAN="9"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="8"><FONT STYLE="font-family:ARIAL" SIZE="2">The following is a reconciliation of the denominator (number of shares) in the calculation of basic and diluted earnings per share.</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted average number of common shares (in millions)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,836</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,812</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dilutive stock-based awards<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP> (in millions)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dilutive convertible
instruments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP> (in millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Weighted average number of diluted common shares </B>(in millions)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,862</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,888</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The dilutive effect of stock-based awards was calculated using the treasury stock method. This method calculates the number of incremental shares by assuming the
outstanding stock-based awards are (i)&nbsp;exercised and (ii)&nbsp;then reduced by the number of shares assumed to be repurchased from the issuance proceeds, using the average market price of MFC common shares for the year. Excluded from the
calculation were an average of 34&nbsp;million (2012 &#150; 35 million) anti-dilutive stock-based awards. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The holders of the convertible preferred shares have the right to redeem those instruments for MFC shares prior to the conversion date.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Quarterly dividend </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On
February&nbsp;12, 2014, the Company&#146;s Board of Directors approved a quarterly dividend of $0.13 per share on the common shares of MFC, payable on or after March&nbsp;19, 2014 to shareholders of record at the close of business on
February&nbsp;26, 2014. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Board also declared dividends on the following non-cumulative preferred shares, payable on or after March&nbsp;19, 2014 to
shareholders of record at the close of business on February&nbsp;26, 2014. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class A Shares Series 1&nbsp;&#150;&nbsp;$0.25625 per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class 1 Shares Series 5&nbsp;&#150;&nbsp;$0.275 per share</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class A Shares Series 2&nbsp;&#150;&nbsp;$0.29063 per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class 1 Shares Series 7&nbsp;&#150;&nbsp;$0.2875 per share</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class A Shares Series 3&nbsp;&#150;&nbsp;$0.28125 per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class 1 Shares Series 9&nbsp;&#150;&nbsp;$0.275 per share</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class A Shares Series 4&nbsp;&#150;&nbsp;$0.4125 per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class 1 Shares Series 11&nbsp;&#150;&nbsp;$0.25 per share</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class 1 Shares Series 1&nbsp;&#150;&nbsp;$0.35 per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class 1 Shares Series 13&nbsp;&#150;&nbsp;$0.2375 per share</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT>&nbsp;&nbsp;Class 1 Shares Series 3&nbsp;&#150;&nbsp;$0.2625 per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_34"></A>Note 15&nbsp;&nbsp;&nbsp;&nbsp;Capital Management</B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Manulife Financial seeks to manage its capital with the objectives of: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating with sufficient capital to be able to honour all policyholder and other obligations with a high degree of confidence; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Securing the stability and flexibility to pursue the Company&#146;s business objectives, ensuring best access to capital markets and maintaining target credit
ratings as a result of retaining the ongoing confidence of regulators, policyholders, rating agencies, investors and other creditors; and, </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#110;</FONT>
</SUP>&nbsp;</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2">Optimizing return on capital to meet shareholders expectations subject to constraints and considerations of adequate levels of capital established to meet the
first two objectives. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Capital is managed and monitored in accordance with the Capital Management Policy, which is reviewed and
approved by the Board of Directors annually. The policy is integrated with the Company&#146;s risk and financial frameworks. It establishes guidelines regarding the quantity and quality of capital, internal capital mobility, and proactive management
of ongoing and future capital requirements. The Board of Directors or its designated committees regularly review the Company&#146;s capital position and capital plans. Operational oversight of capital management across the enterprise is provided by
the Capital Committee, consisting of senior finance and risk management executives and chaired by the Chief Actuary. In addition, the Chief Financial Officer meets regularly with senior finance and strategy executives to decide on desirable capital
actions. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>144</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The capital management framework takes into account the requirements of the Company as a whole as well as the needs of
each of the Company&#146;s subsidiaries. The capital adequacy assessment considers expectations of key external stakeholders such as regulators and rating agencies, results of sensitivity testing as well as a comparison to the Company&#146;s peers.
The Company sets its internal capital targets above regulatory requirements, monitors against these internal targets and initiates actions appropriate to achieving its business objectives. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The following measure of consolidated capital serves as the foundation of the Company&#146;s capital management activities at the MFC level. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Consolidated capital </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;29,033</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;25,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less AOCI (loss) on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(84</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(185</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total equity less AOCI (loss) on cash flow hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29,117</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and qualifying capital instruments</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total
capital</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>33,502</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,247</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Restrictions on dividends and capital distributions
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Dividends and capital distributions are restricted under the Insurance Company Act (&#147;ICA&#148;). These restrictions apply to both the Company
and its primary operating subsidiary MLI. The ICA prohibits the declaration or payment of any dividend on shares of an insurance company if there are reasonable grounds for believing a company does not have adequate capital and adequate and
appropriate forms of liquidity or the declaration or the payment of the dividend would cause the company to be in contravention of any regulation made under the ICA respecting the maintenance of adequate capital and adequate and appropriate forms of
liquidity, or of any direction made to the company by the Superintendent. The ICA also requires an insurance company to notify the Superintendent of the declaration of a dividend at least 15 days prior to the date fixed for its payment. Similarly,
the ICA prohibits the purchase for cancellation of any shares issued by an insurance company or the redemption of any redeemable shares or other similar capital transactions, if there are reasonable grounds for believing that the company does not
have adequate capital and adequate and appropriate forms of liquidity or the payment would cause the company to be in contravention of any regulation made under the ICA respecting the maintenance of adequate capital and adequate and appropriate
forms of liquidity, or any direction made to the company by the Superintendent. These latter transactions would require the prior approval of the Superintendent. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The ICA requires Canadian non-operating insurance companies to maintain, at all times, adequate levels of capital which are assessed by comparing capital available to a risk metric in accordance with Capital Regime
for Regulated Insurance Holding Companies and Non-Operating Life Companies, issued by OSFI. OSFI expects holding companies to manage their capital in a manner commensurate with the group risk profile and control environment. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Since the Company is a holding company that conducts all of its operations through regulated insurance subsidiaries (or companies owned directly or indirectly by
these subsidiaries), its ability to pay future dividends will depend on the receipt of sufficient funds from its regulated insurance subsidiaries. These subsidiaries are also subject to certain regulatory restrictions under laws in Canada, the
United States and certain other countries that may limit their ability to pay dividends or make other upstream distributions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company and MLI have
covenanted for the benefit of holders of the outstanding Trust II Notes &#150; Series I (the &#147;Notes&#148;) that, if interest is not paid in full in cash on the Notes on any interest payment date or if MLI elects that holders of Notes invest
interest payable on the Notes on any interest payment date in a new series of Manufacturers Life Class 1 Shares, MLI will not declare or pay cash dividends on any MLI Public Preferred Shares (as defined below), if any are outstanding, and if no MLI
Public Preferred Shares are outstanding, MFC will not declare or pay cash dividends on its Preferred Shares and Common Shares, in each case, until the sixth month following such deferral date. &#147;MLI Public Preferred Shares&#148; means, at any
time, preferred shares of MLI which at that time: (a)&nbsp;have been issued to the public (excluding any preferred shares of MLI held beneficially by affiliates of MLI); (b)&nbsp;are listed on a recognized stock exchange; and (c)&nbsp;have an
aggregate liquidation entitlement of at least $200 million, however, if at any time, there is more than one class of MLI Public Preferred Shares outstanding, then the most senior class or classes of outstanding MLI Public Preferred Shares shall, for
all purposes, be the MLI Public Preferred Shares. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>145</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_35"></A>Note 16&nbsp;&nbsp;&nbsp;&nbsp;Stock-Based Compensation</B></FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Stock options plans </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Under MFC&#146;s Executive Stock Option
Plan (&#147;ESOP&#148;), deferred share units and stock options are granted to selected individuals. Options provide the holder with the right to purchase common shares of MFC at an exercise price equal to the higher of the prior day or prior five
day average closing market price of common shares on the Toronto Stock Exchange on the date the options were granted. The options vest over a period not exceeding four years and expire not more than 10 years from the grant date. A total of
73,600,000 common shares have been reserved for issuance under the ESOP. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Options outstanding</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of<BR>options</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted<BR>average<BR>exercise<BR>price</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of<BR>options</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted<BR>average<BR>exercise<BR>price</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Outstanding, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;21.93</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;24.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Granted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15.52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Exercised</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15.21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Expired</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20.09</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Forfeited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28.72</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">19.08</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Outstanding, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21.14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">32</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21.93</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Exercisable, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;24.27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;25.93</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Options outstanding</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Options exercisable</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December 31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of<BR>options</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted<BR>average<BR>exercise<BR>price</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted<BR>average<BR>remaining<BR>contractual</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">life&nbsp;(in&nbsp;years)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Number&nbsp;of<BR>options</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;millions)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted<BR>average<BR>exercise<BR>price</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Weighted<BR>average<BR>remaining<BR>contractual</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">life&nbsp;(in&nbsp;years)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">$11.08 &#150; $21.96</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;16.26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6.51</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;17.15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5.33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">$21.97 &#150; $29.00</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;26.94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;26.94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">$29.01 &#150; $40.38</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;38.26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2.94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;38.26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2.94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="right" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;21.14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5.32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;24.27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.00</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The weighted average fair value of each option granted in 2013 has been estimated at $3.24 (2012 &#150; $2.78) using the
Black-Scholes option-pricing model. The pricing model uses the following assumptions for these options: risk-free interest rate of 1.25% (2012 &#150; 1.50%), dividend yield of 3.70% (2012 &#150; 3.60%), expected volatility of 32.0% (2012 &#150;
32.50%) and expected life of 6.7 (2012 &#150; 6.7) years. Expected volatility is estimated by evaluating a number of factors including historical volatility of the share price over multi-year periods. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Deferred share units plans </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In 2000, MFC granted deferred
share units (&#147;DSUs&#148;) to certain employees under the ESOP. These DSUs vest over a three year period and each DSU entitles the holder to receive one common share on retirement or termination of employment. When dividends are paid on common
shares, holders of DSUs are deemed to receive dividends at the same rate, payable in the form of additional DSUs. The number of these DSUs outstanding was 1.3&nbsp;million as at December&nbsp;31, 2013 (2012 &#150; 1.5 million). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In addition, for certain new employees and pursuant to the Company&#146;s deferred compensation program, MFC grants DSUs under the ESOP which entitle the holder to
receive payment in cash equal to the value of the same number of common shares plus credited dividends on retirement or termination of employment. In 2013, the Company granted nil DSUs (2012 &#150; 21,000) to certain new hires. In 2013, 86,000 DSUs
(2012 &#150; 16,000) were granted to certain employees who elected to defer receipt of all or part of their annual bonus. These DSUs vested immediately. Also, in 2013, 52,000 DSUs (2012 &#150; 57,000) were granted to certain employees to defer
payment of all or part of their Restricted Share Units (&#147;RSUs&#148;) and/or Performance Share Units (&#147;PSUs&#148;). These DSUs also vested immediately. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The fair values of the 0.3&nbsp;million DSUs issued in the year were $20.96 per unit, as at December&nbsp;31, 2013 (0.2 million issued at $13.51 per unit on December&nbsp;31, 2012). </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>146</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Under the Stock Plan for Non-Employee Directors, each eligible director may elect to receive his or her annual
director&#146;s retainer and fees in DSUs or common shares in lieu of cash. Upon termination of Board service, an eligible director who has elected to receive DSUs will be entitled to receive cash equal to the value of the DSUs accumulated in his or
her account or, at his or her direction, an equivalent number of common shares. A total of one million common shares have been reserved for issuance under this plan. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B>Number of DSUs (in thousands)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Outstanding, January 1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,715</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issued</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>253</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinvested</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>83</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Redeemed</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(271</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(643</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Outstanding, December 31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,780</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,715</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Of the DSUs outstanding as at December&nbsp;31, 2013, 1,322,000 (2012 &#150; 1,472,000) entitle the holder to receive common shares,
723,000 (2012 &#150; 625,000) entitle the holder to receive payment in cash and 735,000 (2012 &#150; 618,000) entitle the holder to receive payment in cash or common shares, at the option of the holder. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Restricted share units and performance share units plans </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For
the year ended December&nbsp;31, 2013, 6.1&nbsp;million RSUs (2012 &#150; 7.2 million) and 0.9&nbsp;million PSUs (2012 &#150; 0.8 million) were granted to certain eligible employees under MFC&#146;s Restricted Share Unit Plan. The fair values of the
RSUs and PSUs granted in the year were $20.96 per unit, as at December&nbsp;31, 2013 (2012 &#150; $13.51 per unit). Each RSU/PSU entitles the recipient to receive payment equal to the market value of one common share, plus credited dividends, at the
time of vesting, subject to any performance conditions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">RSUs and PSUs granted in February 2013 vest on the date that is 34 months from the grant date
(December 15, 2015), and the related compensation expense is recognized over this period, except where the employee is eligible to retire prior to a vesting date, in which case the cost is recognized over the period between the grant date and the
date on which the employee is eligible to retire. Compensation expense related to RSUs and PSUs was $72 and $11, respectively, for the year ended December&nbsp;31, 2013 (2012 &#150; $67 and $5, respectively). </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The carrying amount of the liability relating to the RSU and PSU plans at December&nbsp;31, 2013 is $184 (2012 &#150; $92) and is included within other liabilities.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Compensation expenses related to stock options was $15 for the year ended December&nbsp;31, 2013 (2012 &#150; $17). </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Global share ownership plan </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC&#146;s Global Share
Ownership Plan (&#147;GSOP&#148;) allows qualifying employees to choose to apply up to five per cent of their annual base earnings toward the purchase of common shares. The Company matches a percentage of the employee&#146;s eligible contributions
up to a maximum amount. The Company&#146;s contributions vest immediately. All contributions are used to purchase common shares in the open market. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_36"></A>Note 17 &nbsp;&nbsp;&nbsp;&nbsp;Employee Future Benefits</B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company maintains pension plans, both defined contribution and defined benefit, and other post-employment plans for eligible employees and agents. These plans include broad-based pension plans for employees
that are typically funded, as well as supplemental non-registered (non-qualified) pension plans for executives, retiree welfare plans and disability welfare plans that are typically not funded. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has long been aware of the financial exposure associated with traditional defined benefit pension plans (i.e. final average pay plans and annuitized
cash balance accounts) and retiree welfare plans. As such, the Company has been closing these plans to new members and, in the case of pension plans, has been replacing them with capital accumulation-type retirement plans. Capital accumulation plans
include defined benefit cash balance plans, 401(k) plans and defined contribution plans under which the Company&#146;s approach is to allocate a fixed percentage of each employee&#146;s eligible earnings taking median market practice into account.
To the extent that pension benefits delivered through registered or tax qualified pension plans limit the benefit that would otherwise be provided to executives, the Company may sponsor supplemental arrangements, which are for the most part
unfunded. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Plan characteristics </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Most of the Company&#146;s traditional
defined benefit pension plans and retiree welfare plans are closed. New employees join cash balance or defined contribution pension programs, depending on the geography of employment, and are not eligible to participate in the retiree welfare plans.
Reflecting the shift away from traditional defined benefit pension plans to capital accumulation plans, less than 2% of plan members continue to accrue final average pay benefits. Traditional defined benefit pension obligations still comprise
approximately 50% of the Company&#146;s global pension obligations, due in large part to the inactive and retired members who no longer accrue defined benefit pensions but have not yet been paid their entire pension entitlements. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">All pension arrangements are governed by local pension committees or management but significant plan changes require approval from the Company&#146;s Board of
Directors. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>147</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s funding policy for defined benefit pension plans is to make at least the
minimum annual contributions required by regulations in the countries in which the plans are offered. Assumptions and methods prescribed for regulatory funding purposes typically differ from those used for accounting purposes. The Company measures
its defined benefit obligations and fair value of plan assets for accounting purposes at December&nbsp;31</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">st</SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="2"> each year. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has defined benefit pension and/or retiree welfare plan obligations in the U.S., Canada,
Japan, U.K. and Taiwan. The defined benefit pension plan in Indonesia was closed and replaced in its entirety by a defined contribution plan in 2013. The defined benefit pension plan obligations for the life insurance operations in Taiwan were
settled upon sale of the business (refer to note 3). There are also disability welfare plans in Canada and the U.S. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The largest of these pension and
retiree welfare plans are the main defined benefit plans for employees in the U.S. and Canada. These are considered to be the material plans that are the subject and focus of the disclosures in the balance of this note. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>U.S. defined benefit and retiree welfare plans </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company
operates a qualified cash balance plan that is open to new members, a non-qualified cash balance plan, under which benefit accruals ceased as of December&nbsp;31, 2011, and a retiree welfare plan that was closed in 2005. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Actuarial valuations to determine the Company&#146;s minimum funding contributions for the qualified cash balance plan are required annually. Deficits revealed in
the funding valuations must generally be funded over a period of up to seven years. It is expected that there will be no required funding for this plan in 2014. There are no plan assets set aside for the non-qualified cash balance plan; these
benefits are to be funded as they come due. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The retiree welfare plan subsidizes the cost of life insurance and medical benefits for eligible retirees.
The majority of those who retired after 1991 receive a fixed-dollar subsidy from the Company based on service. Employees who did not meet certain age and service criteria in 2002 generally receive access to the plan upon retirement but pay the full
cost. The plan was closed to all employees hired after 2004. While assets have been set aside in a qualified trust to pay a portion of future retiree welfare benefits, this funding is optional. Retiree welfare benefits offered under the plan
coordinate with the U.S. Medicare program to make optimal use of available federal financial support. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The qualified pension and retiree welfare plans
are governed by the U.S. Benefits Committee, while the non-qualified pension plan is governed by the U.S. Nonqualified Plans Subcommittee. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Canadian
defined benefit and retiree welfare plans </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s defined benefit plans in Canada include a registered final average pay pension plan, a
non-registered supplemental final average pay pension arrangement and a retiree welfare plan that was closed to new members in 2005. While both pension programs have been closed to new members since 1998, there remain 424 members under the
registered plan who continue to accrue final average pay pensions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Actuarial valuations to determine the Company&#146;s minimum funding contributions
for the registered plan are required at least once every three years. Deficits revealed in the funding valuation must generally be funded over a period of up to five years. For 2014, the required funding for this plan is expected to be $18. The
supplemental non-registered pension plan is not funded; these benefits are to be funded as they come due. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The retiree welfare plan subsidizes the cost
of life insurance, medical and dental benefits for eligible retirees. The Company subsidies have been changed to a fixed dollar amount for those who retire after April&nbsp;30, 2013 and will be eliminated for those who retire after 2019. There are
no assets set aside for the retiree welfare plan. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The registered pension plan is governed by the Canadian Pension Committee, while the supplemental
non-registered arrangement is governed by the Board of Directors. The retiree welfare plan is governed by management. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Risks </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In final average pay pension plans and retiree welfare
plans, the Company generally bears the material risks which include interest rate, investment, longevity and health care cost inflation risks. In defined contribution plans, these risks are typically borne by the employee. In cash balance plans, the
interest rate, investment (where applicable) and longevity risks are partially transferred to the employee. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Material sources of risk to the Company for
all plans include: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; A decline in discount rates that increases the defined benefit obligations by more than the change in value of plan assets;
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; Lower than expected rates of mortality; and for retiree welfare plans, higher than expected health care costs. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Historically, the Company has managed risks through plan design and eligibility changes which limit the size and growth of the defined benefit obligations. For
funded plans, investment risks are managed through strategies aimed at improving the alignment between movements in the invested assets and movements in the obligations. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In the U.S., delegated committee representatives and management review the financial status of the qualified defined benefit pension plan at least monthly, and steps are taken in accordance with an established
dynamic investment policy to reduce the risk in the plan as the funded status improves. As at December&nbsp;31, 2013, the target asset allocation for the plan was 38% return-seeking assets and 62% liability-hedging assets with an ultimate target of
35% return seeking and 65% liability hedging as the funding permits. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>148</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In Canada, internal committees and management review the financial status of the registered defined benefit pension
plan on at least a quarterly basis. As at December&nbsp;31, 2013, the target asset allocation for the plan was 28% return-seeking assets and 72% liability-hedging assets with an ultimate target of 20% return-seeking assets and 80% liability-hedging
assets by 2017. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Pension and retiree welfare plans </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Changes in defined benefit obligation:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Ending balance prior year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>603</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">682</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Current service cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Past service cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>141</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>24</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Plan participants&#146; contributions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Actuarial (gains) losses due to:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Experience</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Demographic assumption changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>164</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Economic assumption changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Benefits paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(51</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(56</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Defined benefit obligation, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,567</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,596</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;603</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Change in plan assets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value of plan assets, ending balance prior year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,774</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,611</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>382</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>109</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Employer contributions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Plan participants&#146; contributions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Benefits paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(51</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Administration costs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Actuarial gains (losses)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>161</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>140</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(44</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Fair value of plan assets, December&nbsp;31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,990</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,774</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;467</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;382</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See note 2(a) for description of accounting policy change. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Amounts recognized in the Consolidated Statements of Financial Position </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree welfare plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>December&nbsp;31,<BR>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;31,<BR>2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">January&nbsp;1,<BR>2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>December&nbsp;31,<BR>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;31,<BR>2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">January&nbsp;1,<BR>2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Development of net defined benefit liability</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined benefit obligation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,567</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;682</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value of plan
assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,990</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,774</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,611</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>467</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">382</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">360</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Deficit</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>577</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">822</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>133</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect of asset
limit<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Deficit and net defined benefit liability</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>577</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">822</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">913</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>133</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">221</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deficit is comprised of:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Funded or partially funded plans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(136</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Unfunded
plans<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>713</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">727</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">720</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>138</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">134</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">148</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Deficit and net defined benefit liability</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>577</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">822</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">913</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>133</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">221</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See note 2(a) for description of accounting policy change. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The fair value of plan assets does not include the rabbi trust assets that support the non-qualified U.S. retirement plan obligations for certain executives and
retired executives, in respect of service prior to May&nbsp;1, 2007. In the event of insolvency of the Company, the rabbi trust assets can be used to satisfy claims of general creditors. At December&nbsp;31, 2013, assets in the rabbi trust with
respect to these defined benefit obligations were $347 (2012 &#150; $360) compared to the defined benefit obligations under the merged plan of $351 (2012 &#150; $361). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">No reconciliation has been provided for the effect of the asset limit since there was no effect in either year. For the funded pension plans, the present value
of the economic benefits available in the form of reductions in future contributions to the plans is significantly greater than the surplus that would be expected to develop. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(e)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Disaggregation of defined benefit obligation </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Plans</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian Plans</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December 31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Active members</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>615</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Inactive and retired members</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,969</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,925</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>423</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">429</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>722</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">703</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>90</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">89</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,584</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,613</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;469</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;983</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;983</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;138</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;134</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See note 2(a) for description of accounting policy change. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>149</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(f)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Fair value measurements </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The major categories of plan assets
and the actual % allocation to each category are as follows. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Plans<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian Plans<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair&nbsp;value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;of&nbsp;total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair&nbsp;value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;of&nbsp;total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair&nbsp;value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;of&nbsp;total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair&nbsp;value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;of&nbsp;total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity securities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>813</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>35%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>254</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>199</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,318</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>57%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>198</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>43%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>457</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other
investments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>171</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;467</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;663</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012</B> </FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity securities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">980</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">51%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">919</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">44%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">45%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">457</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other
investments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">149</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,097</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">382</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">677</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">All of the U.S. pension and retiree welfare plan assets have daily quoted prices in active markets, except for the private equity, timber and agriculture assets.
In the aggregate, the latter assets represent approximately 6% and 6% of all U.S. pension and retiree welfare plan assets as at December&nbsp;31, 2013 and 2012, respectively. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">All of the Canadian pension plan assets have daily quoted prices in active markets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plan equity securities include direct investments in MFC common shares of $1.0 (2012 &#150; $0.6) in the U.S. and nil (2012 &#150; $0.2) in Canada.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Other U.S. plan assets include investment in private equity, timberland and agriculture. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(g)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net benefit cost recognized in Consolidated Statements of Income </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Components of the net benefit cost for the pension plans and retiree welfare plans were as follows. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined benefit current service cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined benefit administrative expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Past service cost &#150; plan amendments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Past service cost &#150; curtailments<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Service cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>43</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest on net defined benefit (asset) liability</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">37</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined benefit cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>75</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined contribution cost</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">51</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net benefit cost</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;124</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;15</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See note 2(a) for description of accounting policy change. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Past service cost of $3 relates to a one month deferral of the effective date of the planned changes to the Canadian retiree welfare benefits for employees
affected by the organizational design initiative. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Past service cost of $8 relates to the payment of pension benefits earlier than previously expected to employees affected by the organizational design
initiative. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(h)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Re-measurement effects recognized in Other Comprehensive Income </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Actuarial (gains) losses on defined benefit obligations:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Experience</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Demographic assumption changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>164</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Economic assumption changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Return on plan assets (greater) less than discount rate</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(161</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(244</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(25</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total re-measurement effects</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(53</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(79</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">See note 2(a) for description of accounting policy change. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Assumptions </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The key assumptions used by the Company to
determine the defined benefit obligation and net benefit cost for the defined benefit pension plans and retiree welfare plans were as follows. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Plans</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian Plans</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>To determine the defined benefit obligation at end of
year<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<B></B></SUP><B>:</B></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Discount rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.7%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.7%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.9%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.4%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash balance crediting rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3.5%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Initial health care cost trend rate<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.5%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6.5%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6.7%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>To determine the defined benefit cost for the year<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)<B></B></SUP><B>:</B></FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Discount rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3.9%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3.9%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.2%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.4%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash balance crediting rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2.8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Initial health care cost trend rate<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.5%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6.7%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Inflation and salary increase assumptions are not shown as they do not materially affect obligations and cost. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The health care cost trend rate used to measure the U.S. based retiree welfare obligation was 8.5% grading to 5.0% for 2028 and years thereafter (2012 &#150;
8.5% grading to 5.0% for 2028) and to measure the net benefit cost was 8.5% grading to 5.0% for 2028 and years thereafter (2012 &#150; 8.5% grading to 5.0% for 2028). In Canada, the rate used to measure the retiree welfare obligation was 6.5%
grading to 4.8% for 2026 and years thereafter (2012 &#150; 6.7% grading to 4.8% for 2026) and to measure the net benefit cost was 6.7% grading to 4.8% for 2026 and years thereafter (2012 &#150; 6.8% grading to 4.8% for 2026).
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Assumptions regarding future mortality are based on published statistics and mortality tables. The current life expectancies
underlying the values of the obligations in the defined benefit pension and retiree welfare plans are as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="87%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Life expectancy (in years) for those currently age 65</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Males</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Females</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>24.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Life expectancy (in years) at age 65 for those currently age 45</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Males</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>24.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Females</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(j)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sensitivity of assumptions on obligation </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Assumptions adopted
can have a significant effect on the obligations reported for defined benefit pension and retiree welfare plans. The potential impact on the obligations arising from changes in the key assumptions is set out in the following table. The sensitivities
assume all other assumptions are held constant. In reality one might expect interrelationships with other assumptions. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension&nbsp;plans<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Discount rate:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of a 1% increase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of a 1% decrease</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;388</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>69</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Health care cost trend rate:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of a 1% increase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of a 1% decrease</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Mortality rates</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of a 10% decrease</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Sensitivity excludes changes to the cash balance crediting rate as changes to this assumption do not have a significant impact. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">If the actuarial estimates of mortality are adjusted in future to reflect unexpected decreases in mortality, the effect of a 10% decrease in mortality rates at
each future age would be an increase in life expectancy at age 65 of 0.9 and 1.0 years for U.S. males and females, respectively, and 0.7 and 0.7 years for Canadian males and females, respectively. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(k)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Maturity profile </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The weighted average duration (in years) of
the defined benefit obligations is as follows. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. plans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian plans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11.8</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12.1</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>151</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(l)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Cash flows &#150; contributions </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Total cash payments for all
employee future benefits, comprised of cash contributed by the Company to funded defined benefit pension and retiree welfare plans, cash payments directly to beneficiaries in respect of unfunded pension and retiree welfare plans, and cash
contributed to defined contribution pension plans, were as follows. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Pension&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Retiree&nbsp;welfare&nbsp;plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined benefit plans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Defined contribution plans</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">51</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;150</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;34</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s best estimate of expected cash payments for employee future benefits for the year ending December&nbsp;31, 2014
is $80 for defined benefit pension plans, $54 for defined contribution pension plans and $24 for retiree welfare plans. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_37"></A>Note 18&nbsp;&nbsp;&nbsp;&nbsp;Interests in Structured Entities </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In its capacities as an investor and as an investment manager, the Company has relationships with various types of entities designed to generate investment returns and/or fees. The Company also has relationships
with entities used to facilitate financing for the Company. Some of these entities may have some or all of the following features: control is not readily identified based on voting rights; restricted activities designed to achieve a narrow
objective; high amount of leverage; and/or highly structured capital. Such entities are identified as structured entities (individually &#147;SE&#148; or collectively &#147;SEs&#148;). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In assessing the significance of a SE for disclosure purposes, the Company considers the nature of the Company&#146;s relationship with the SEs including whether they are sponsored by the Company (i.e. initially
organized and managed). In addition, the significance of the relationship with the SE to the Company is assessed including consideration of factors such as the Company&#146;s investment in the SE as a percentage of the Company&#146;s total
investments, returns from it as a percentage of total net investment income, its size as a percentage of total funds under management and the Company&#146;s exposure to any other risks from its involvement with the SE. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment SEs which are consolidated </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table
presents the total assets and liabilities for investment SEs that the Company controls and accordingly consolidates. The liabilities of these SEs do not represent claims against the general assets of the Company and the assets of these SEs can only
be used to settle their own liabilities. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012 (Restated&#150;note 2)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mezzanine
Funds<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1),(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">48</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">48</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;48</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;48</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company sponsored and acts as investment manager to a series of five investment funds which invest in the mezzanine financing of private companies
(&#147;Mezzanine Funds&#148;). In its capacity as investment manager to the Mezzanine Funds, the Company earns investment advisory fees. The Company has determined that it has control over two of the Mezzanine Funds, by virtue of non-cancelable
management contracts and exposure to a significant proportion of their investment performance. The Mezzanine Funds are SEs because the Company has decision power over them through non-cancelable management contracts; they have limited lives and are
structured to coinvest in the same issuers as the Company. The Company provides no guarantees to the Mezzanine Funds&#146; investors against the risk of financial loss. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company&#146;s investments in consolidated SEs are included in invested assets and the Company&#146;s returns from these SEs are included in net investment
income. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes non-controlling interests of $25 (2012 &#150; $27). </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>152</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment SEs which are unconsolidated </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table
presents summary financial information and the Company&#146;s investment and maximum exposure to loss related to significant unconsolidated investment SEs, many of which are sponsored by the Company. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;assets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;liabilities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;equity</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC&#146;s<BR>investment<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Maximum<BR>exposure&nbsp;
to<BR>loss<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mezzanine Funds<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>122</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>122</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Collateralized debt obligations<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>320</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,969</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,649</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Low income housing partnerships<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,045</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,045</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>278</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>279</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Timber companies<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,182</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,807</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,375</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>588</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Leveraged
leases<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,476</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,476</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,629</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,629</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;15,145</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;13,419</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;1,726</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,501</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,544</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mezzanine Funds<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Collateralized debt obligations<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,023</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Low income housing partnerships<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Timber companies<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">833</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Leveraged
leases<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,328</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,328</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,591</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,591</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15,779</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,341</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,438</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,749</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,775</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company&#146;s investments are included in invested assets and the Company&#146;s returns from these SEs are included in net investment income and other
comprehensive income. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company&#146;s maximum exposure to loss from each SE is limited to amounts invested in each, plus unfunded capital commitments, if any. The total unfunded
capital commitments for investments held by the Company are disclosed in note 19. The maximum loss is expected to occur only upon bankruptcy of the entity or as a result of a natural disaster in the case of the timber funds.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">As mentioned in note 18(a), two of the five funds are consolidated. The other three are considered significant unconsolidated SEs and are reflected in this
table. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company sponsored certain asset-backed investment vehicles, commonly known as collateralized debt obligation funds (&#147;CDOs&#148;). In addition, the
Company may invest in debt or equity securities issued by these CDOs. CDOs raise capital by issuing debt and equity securities and use the proceeds to purchase investments. In its capacity as investment manager, the Company earns investment advisory
fees. The Company does not control any of the CDOs which it both manages and invests in, because its power to govern the financial and operating policies of these CDOs is either restricted or subject to approval by the CDOs&#146; other investors.
The CDOs are SEs because they have limited lives, their decision making rights are not vested in voting equity interests and because of their highly leveraged capital structures. The Company provides no guarantees to other investors in these CDOs
against the risk of financial loss. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company has investments that qualify for low income housing and/or historic tax credits that also generate other tax benefits. These investments are
primarily made through real estate limited partnerships or limited liability companies (&#147;LIH Partnerships&#148;). LIH Partnerships are sponsored and managed by their general partners or managing members who provide nominal amounts of capital
and provide guarantees to the other investors. Substantially all of the capital is provided by limited partners or investor members who have limited liability and are not involved in management. The Company is usually the sole limited partner or
investor member and is not the general partner or managing member in any of the LIH Partnerships and has not sponsored any of them. The Company does not control any of the LIH Partnerships because the Company does not have power to govern their
financial and operating policies. This power is held by the general partners or managing members who have significant exposure to the returns of their LIH Partnerships by way of fees and guarantees. LIH Partnerships are SEs because they have limited
lives, their decision making rights are not vested in voting equity interests and they are structured to generate tax credits and deductible losses for their investors. The Company provides no guarantees to other parties involved with the LIH
Partnerships against the risk of financial loss. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company sponsors timber companies and the Company&#146;s general fund and segregated funds invest in many of them. In its capacity as investment manager, the
Company earns investment advisory fees and may also earn forestry management fees and performance advisory fees. The Company has determined that it does not control any timber company because it either does not have the power to govern their
financial and operating policies or does not have significant variable returns from them, or both. The timber companies are SEs based on the degree of judgment required to assess control over them; the Company&#146;s employees provide management
services and in many cases exercise voting rights on behalf of other investors. The Company provides no guarantees to the timber companies&#146; investors against the risk of financial loss. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(7)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The Company&#146;s involvement in leveraged leases is through wholly owned unconsolidated entities (statutory business trusts) in which the Company is the sole
beneficiary. The entities use capital provided by the Company and senior debt provided by other parties to finance the acquisition of assets which are leased to third party lessees under long term leases. The Company does not consolidate any of the
trusts that are party to the lease arrangements because the Company does not control them. The Company does not have the ability to make substantive decisions over the trusts and was not solely responsible for their original design. Leveraged leases
are SEs because of their narrow purpose and limited lives and because their financial and operating decisions are pre-determined such that they have no ongoing operations which require active management. The Company provides no guarantees to the
trusts&#146; senior lenders or lessees against the risk of financial loss. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other invested assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has investment
relationships with a variety of other entities (&#147;Other Entities&#148;), which result from its direct investment in their debt and/or equity and which have been assessed for control. This category includes, but is not limited to investments in
power and infrastructure, oil and gas, private equity, real estate and agriculture, organized as limited partnerships and limited liability companies. These entities are not sponsored by the Company. The Company believes that its relationships with
these Other Entities are not individually significant and, accordingly, does not provide any summary financial data for them nor does the Company distinguish here whether each is a SE. The Company&#146;s maximum exposure to losses as a result of its
relationships with Other Entities is limited to its investment in them and amounts committed to be invested but not yet funded. The income that the Company generates from these entities is recorded in net investment income and other comprehensive
income. The Company provides no guarantees to other investors in these entities against the risk of financial loss. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>153</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(ii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Interest in securitized assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company invests in
mortgage/asset-backed securities issued by numerous securitization vehicles sponsored by other parties, including private issuers and government sponsored issuers, in order to generate investment returns which are recorded in net investment income.
The Company does not own a controlling financial interest in any of the issuers. These securitization vehicles are SEs based on their narrow scope of activities and highly leveraged capital structures. Investments in mortgage/asset-backed securities
are reported on the Consolidated Statements of Financial Position as debt securities and private placements, and their fair value and carrying values are disclosed in note 4. The Company&#146;s maximum loss from these investments is limited to
amounts invested. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Commercial mortgage backed securities (&#147;CMBS&#148;) are secured by commercial mortgages and residential mortgage-backed
securities (&#147;RMBS&#148;) are secured by residential mortgages. Asset-backed securities (&#147;ABS&#148;) may be secured by various underlying assets primarily including credit card receivables and aviation leases. The mortgage/asset-backed
securities that the Company invests in are primarily originated in North America. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table outlines the securitized holdings by the type and
asset quality. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR>
<TD VALIGN="bottom">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">CMBS</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">RMBS</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">ABS</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">AAA</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>597</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>351</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,391</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,339</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">AA</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">A</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>83</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>384</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>494</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">BBB</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>33</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>109</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>178</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">BB and below</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>195</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>106</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>70</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>371</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">471</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total Company exposure</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;916</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;527</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,998</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,441</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,801</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(iii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mutual funds </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company sponsors and may invest in a range
of public mutual funds with a broad range of investment styles. As sponsor, the Company organizes mutual funds that implement investment strategies, on behalf of future investors. The Company earns fees which are at market rates for providing
advisory and administrative services to the mutual funds. The Company does not control its sponsored mutual funds because either the Company does not have power to govern their financial and operating policies, or its returns in the form of fees and
ownership interests are not significant, or both. Certain mutual funds are SEs because their decision making rights are not vested in voting equity interests and their investors are provided with redemption rights. The Company&#146;s interest in
mutual funds is limited to capital it invests. The Company&#146;s investments in mutual funds are recorded as part of its investment in public equities within the Consolidated Statements of Financial Position. For information regarding the
Company&#146;s invested assets refer to note 4. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As sponsor, the Company&#146;s investment in startup capital of mutual funds as at December 31, 2013 was
$997 (2012 - $839). The Company provides no guarantees to these mutual funds&#146; investors against the risk of financial loss. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s
retail mutual fund assets under management as at December 31, 2013 are $91,118 (2012 - $59,979). </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Financing SEs which are consolidated </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company securitizes
certain insured and variable rate commercial and residential mortgages and HELOC. This activity is facilitated by entities that are consolidated SEs because their operations are narrowly limited to issuing and servicing the Company&#146;s capital.
Further information regarding the Company&#146;s mortgage securitization program is included in note 4(i). </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Financing SEs which are unconsolidated </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For each of the
Company sponsored financing entities below, the Company has predetermined their financial and operating policies and controls any new issuances. Since the Company raises funds through these entities as opposed to investing in them, it is the
investors in their capital that are exposed to their financial returns and not the Company. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>154</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Since the Company has decision power over them but does not control them, and considering their narrow purpose and
range of activities, the Company views them to be SEs. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total<BR>assets<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">liabilities<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total&nbsp;equity</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC<BR>interests<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial Capital Trust II<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,003</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>998</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Finance (Delaware), L.P.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,482</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,313</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>169</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,306</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Global Funding II, Ltd<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,858</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,692</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,680</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial Capital Trust II<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,002</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">995</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Finance (Delaware), L.P.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Global Funding II, Ltd<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">417</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">417</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">417</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,032</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,882</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;150</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;2,867</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The assets of the entities consist of investments in specific financial instruments of the Company or its subsidiaries (e.g. debentures, funding agreements, and
derivatives). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The liabilities of the entities consist of financial instruments issued to capital markets and in some cases, derivatives. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC interests include amounts borrowed from the entities and the Company&#146;s investment in the entities subordinate capital, if any, and foreign currency and
interest swaps with them, if any. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial Capital Trust II, an open-end trust, issued $1,000 of Manulife Financial Capital Securities Series 1 notes to the Canadian capital markets in
2009 and invested the proceeds in senior debentures of MLI. Refer to note 13. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(5)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Finance (Delaware), L.P. (&#147;MFLP&#148;), a wholly owned partnership, issued $550 of senior and $650 of subordinated debentures to the Canadian
capital markets in 2006 and invested the proceeds in senior and subordinate notes of the Company and its subsidiaries. MFLP entered into swaps with the Company to manage the interest rate and foreign currency exposures arising on its investment in
the senior and subordinate notes of the Company and its subsidiaries. The Company has guaranteed the payment of amounts on MFLP&#146;s debentures. Refer to notes 12, 13 and 19. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(6)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Global Funding II, Ltd. (&#147;JHGF II&#148;), a Delaware Trust, was organized by John Hancock Life Insurance Company (U.S.A.) (&#147;JHUSA&#148;).
JHGF II issued medium term notes to investors worldwide, and used the proceeds to purchase funding agreements issued by JHUSA. JHGF II entered into swaps with the Company to manage the foreign currency exposures arising on its issuance of medium
term notes. The medium term notes were issued through 2005 and mature through 2015. Refer to note 9. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_38"></A>Note 19&nbsp;&nbsp;&nbsp;&nbsp;Commitments and Contingencies </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Legal proceedings </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company is regularly involved in legal
actions, both as a defendant and as a plaintiff. The legal actions naming the Company as a defendant ordinarily involve its activities as a provider of insurance protection and wealth management products, as well as an investment adviser, employer
and taxpayer. In addition, government and regulatory bodies in Canada, the United States, Asia and other jurisdictions where the Company conducts business regularly make inquiries and, from time to time, require the production of information or
conduct examinations concerning the Company&#146;s compliance with, among other things, insurance laws, securities laws, and laws governing the activities of broker-dealers. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Two class actions against the Company have been certified and are pending in Quebec (on behalf of Quebec residents only) and Ontario (on behalf of investors in Canada, other than Quebec). The decisions to grant
leave and certification have been of a procedural nature only and there has been no determination on the merits of either claim to date. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The actions in
Ontario and Quebec are based on allegations that the Company failed to meet its disclosure obligations related to its exposure to market price risk in its segregated funds and variable annuity guaranteed products. The Company believes that its
disclosure satisfied applicable disclosure requirements and intends to vigorously defend itself against any claims based on these allegations. Due to the nature and status of these proceedings, it is not practicable to provide an estimate of the
financial effect of these proceedings, an indication of the uncertainties relating to the amount or timing of any outflow, nor the possibility of any reimbursement. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investment commitments </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the normal course of business,
various investment commitments are outstanding which are not reflected in the Consolidated Financial Statements. There were $5,070 (2012 &#150; $2,965) of outstanding investment commitments as at December&nbsp;31, 2013, of which $348 (2012 &#150;
$269) mature in 30 days, $1,602 (2012 &#150; $1,151) mature in 31 to 365 days and $3,120 (2012 &#150; $1,545) mature after one year. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Letters of credit </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the normal course of business, third
party relationship banks issue letters of credit on the Company&#146;s behalf. The Company&#146;s businesses utilize letters of credit for which third parties are the beneficiaries, as well as for affiliate reinsurance transactions between
subsidiaries of MFC. As at December&nbsp;31, 2013, letters of credit for which third parties are beneficiary, in the amount of $73 (2012 &#150; $84), were outstanding. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>155</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(d)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Guarantees </B></FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(i)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Guarantees regarding Manulife Finance (Delaware), L.P. </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC
has guaranteed the payment of amounts on the $550 senior debentures due December&nbsp;15, 2026 and $650 subordinated debentures due December&nbsp;15, 2041 issued by MFLP, a wholly owned unconsolidated partnership. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(ii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Guarantees regarding The Manufacturers Life Insurance Company </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On January&nbsp;29, 2007, MFC provided a subordinated guarantee of Class&nbsp;A and Class B Shares of MLI and any other class of preferred shares that rank on a
parity with Class&nbsp;A Shares or Class B Shares of MLI. For the following subordinated debentures issued by MLI, MFC has provided a subordinated guarantee on the day of issuance: $550 issued on November&nbsp;18, 2011, $500 issued on
February&nbsp;17, 2012, $200 issued on February&nbsp;25, 2013, and $250 issued on November&nbsp;29, 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following table sets forth certain
condensed consolidating financial information for MFC. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFLP</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MLI<BR>consolidated</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<BR>subsidiaries&nbsp;of<BR>MFC on a<BR>combined&nbsp;basis</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidating<BR>adjustments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total<BR>consolidated<BR>amounts<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>

<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total revenue</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>244</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>84</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,539</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(487</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>292</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,672</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income (loss) attributed to shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(287</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,129</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total revenue</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28,391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(2,006</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income (loss) attributed to shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,857</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(167</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,695</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;228,933</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,748</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;232,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;34,023</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;1,480</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>51,853</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,603</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(55,911</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>41,048</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>192,824</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;11,923</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(11,505</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>193,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,524</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,524</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,528</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,313</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52,078</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>461</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,422</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>48,958</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">224,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,658</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">227,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30,473</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,613</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,889</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(52,602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">197,478</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(11,417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Total other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,783</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,463</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">53,116</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">440</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10,975</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">49,827</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Since MFLP is not consolidated into the results of MFC consolidated, the results of MFLP have been eliminated in the consolidating adjustments column.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(iii)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Guarantees regarding John Hancock Life Insurance Company (U.S.A.) (&#147;JHUSA&#148;) </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Details of guarantees regarding certain securities issued or to be issued by JHUSA are outlined in note 24. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(e)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Pledged assets </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the normal course of business, certain of
MFC&#146;s subsidiaries pledge their assets in respect of liabilities incurred, strictly for the purpose of providing collateral for the counterparty. In the event of the Company&#146;s default, the counterparty is entitled to apply the collateral
in order to settle the liability. The pledged assets are returned to the Company if the underlying transaction is terminated or, in the case of derivatives, if the net exposure moves to an asset position due to market value changes. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The amounts pledged were as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt&nbsp;securities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt&nbsp;securities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">In respect of:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Derivatives</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,401</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Regulatory requirements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>226</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Real estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>52</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repurchase agreements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>199</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">629</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-registered retirement plans in trust</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>366</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>70</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">62</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>562</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;3,014</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;687</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>156</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(f)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Lease obligations </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company has a number of operating
lease obligations, primarily for the use of office space. The aggregate future minimum lease payments under non-cancelable operating leases are $795. Payments by year are included in the &#147;Risk Management and Risk Factors&#148; section of the
Company&#146;s 2013 MD&amp;A under Liquidity Risk. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(g)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Participating business </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In some territories where the Company
maintains participating accounts, there are regulatory restrictions on the amounts of profit that can be transferred to shareholders. Where applicable, these restrictions generally take the form of a fixed percentage of the policyholder dividends.
For participating businesses operating as separate &#147;closed blocks&#148;, transfers are governed by the terms of MLI&#146;s and John Hancock Mutual Life Insurance Company&#146;s plans of demutualization. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_39"></A>Note 20&nbsp;&nbsp;&nbsp;&nbsp;Segmented Information </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The Company&#146;s reporting segments are Asia, Canadian and U.S. Divisions and the Corporate and Other segment. Each division has profit and loss responsibility and develops products, services and distribution
strategies based on the profile of its business and the needs of its market. The significant product and service offerings of each segment are: </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Protection (Asia, Canadian and U.S. Divisions).</I></B>&nbsp;Offers a variety of individual life insurance and individual and group long-term care insurance.
Products are distributed through multiple distribution channels, including insurance agents, brokers, banks, financial planners and direct marketing. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Wealth Management (Asia, Canadian and U.S. Divisions).</I></B>&nbsp;Offers annuities, pension contracts, and mutual fund products and services. These
businesses also offer a variety of retirement products to group benefit plans and Manulife Bank offers a variety of deposit and credit products to Canadian customers. Annuity contracts provide non-guaranteed, partially guaranteed and fully
guaranteed investment options through general and separate account products. These businesses distribute products through multiple distribution channels, including insurance agents and brokers affiliated with the Company, securities brokerage firms,
financial planners, pension plan sponsors, pension plan consultants and banks. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><I>Corporate and Other Segment.</I></B>&nbsp;Comprised of investment
performance on assets backing capital, net of amounts allocated to operating division and financing costs; Investment Division&#146;s external asset management business; Property and Casualty (&#147;P&amp;C&#148;) Reinsurance Business; as well as
run-off reinsurance operations including variable annuities and accident and health. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Certain allocation methodologies are employed in the preparation of
segmented financial information. Indirect expenses are allocated to business segments using allocation formulas applied on a consistent basis, while capital is apportioned to the Company&#146;s business segments using a risk based methodology. The
income statement impact of changes in actuarial methods and assumptions (refer to note 8) and the income statement impact of the goodwill impairment in 2012 (refer to note 7) are reported in the Corporate and Other segment. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at and for the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia<BR>Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian<BR>Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Division</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate<BR>and Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Premium income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life and health insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,769</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,294</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15,353</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities and pensions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>561</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>566</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,030</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,157</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net premium income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,330</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,774</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,324</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>82</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>605</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(358</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5,620</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,374</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,979</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,644</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,052</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>234</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,914</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,060</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,756</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,058</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,672</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Contract benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life and health insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,171</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,526</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>777</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,850</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities and pensions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(346</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(816</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,835</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,997</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net benefits and claims (recovery)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,825</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,710</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,459</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>777</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,853</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>78</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>460</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>461</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,045</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other expenses</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,121</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,149</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,076</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>681</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,027</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total contract benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,024</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,319</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,663</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,919</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>14,925</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income (loss) before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,890</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>741</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,093</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,977</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax recovery (expense)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(265</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>861</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,625</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>749</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,908</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,116</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less net income (loss) attributed to:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>67</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(79</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,519</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,908</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;60,708</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;137,723</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;295,394</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;19,803</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>157</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at and for the year ended</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia<BR>Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian<BR>Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Division</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate<BR>and Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Premium income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life and health insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,056</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,898</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities and pensions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">821</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">543</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,161</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,525</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net premium income prior to FDA coinsurance</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,682</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premiums ceded relating to FDA coinsurance (note 8(c))</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,852</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,612</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,031</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,627</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">716</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,778</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">159</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,289</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,955</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,229</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,701</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(775</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,110</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Contract benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life and health insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,710</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities and pensions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(103</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,089</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(5,009</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,023</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net benefits and claims</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,354</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other expenses</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,182</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,067</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,824</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">807</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,880</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total contract benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,802</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,240</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,244</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,581</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,867</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income (loss) before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">989</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,457</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax recovery (expense)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(94</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(538</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,103</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">492</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,059</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,919</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Less net income (loss) attributed to:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">56</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(159</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(103</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,969</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,169</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,919</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,247</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;63,257</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;130,190</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;271,489</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;20,062</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The results of the Company&#146;s business segments differ from geographic segmentation primarily as a consequence of segmenting the
results of the Company&#146;s Corporate and Other segment into the different geographic segments to which its businesses pertain. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>By geographic location</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Premium income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life and health insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,725</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>503</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15,353</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities and pensions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>561</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>566</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,030</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,157</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net premium income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,389</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,291</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>503</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(911</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(311</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,536</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,981</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,607</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;7,459</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,587</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,076</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>550</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,672</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Premium income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Life and health insurance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,528</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,898</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annuities and pensions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">821</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">543</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,161</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,525</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net premium income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,099</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Premium ceded relating to FDA coinsurance (note 8(c))</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(7,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,522</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,784</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,627</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">749</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,729</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,805</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,289</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;9,370</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;9,646</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;9,518</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;576</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;29,110</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_40"></A>Note 21&nbsp;&nbsp;&nbsp;&nbsp;Related Parties </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(a)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Transactions with related parties </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Related party transactions
have been in the normal course of business and taken place at terms that would exist in arm&#146;s length transactions. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>158</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Compensation of key management personnel </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Key management
personnel of the Company are those that have the authority and responsibility for planning, directing and controlling the activities of the Company. Directors (both executive and non-executive) and senior management are considered key personnel.
Accordingly, the summary of compensation of key management personnel is as follows. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="89%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Short-term employee benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Post-employment benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Share-based payments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Termination benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other long-term benefits</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;51</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_41"></A>Note 22&nbsp;&nbsp;&nbsp;&nbsp;Subsidiaries </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following is a list of the directly and indirectly held major operating subsidiaries of Manulife Financial Corporation. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="38%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Ownership</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Percentage</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Address</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Description</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>The Manufacturers Life Insurance Company</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Leading Canadian-based financial services company that offers a diverse range of financial protection products and wealth management
services</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Holdings (Alberta) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Calgary,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Financial Corporation</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Wilmington,<BR>Delaware,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">The Manufacturers Investment Corporation</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Michigan,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Life Insurance Company (U.S.A.)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Michigan,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. life insurance company licensed in all states, except New York</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Subsidiaries LLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Wilmington,<BR>Delaware,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:6.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Financial Network, Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Financial services distribution organization</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:6.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">The Berkeley Financial Group, LLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:7.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Advisers, LLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment advisor</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:8.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Funds, LLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. broker-dealer</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:6.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Hancock Natural Resource Group, Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Manager of globally diversified timberland and agricultural portfolios</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Life Insurance Company of New York</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">New York,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. life insurance company licensed in New York</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Investment Management Services,&nbsp;LLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment advisor</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Life &amp; Health Insurance Company</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. life insurance company licensed in all states</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Distributors LLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Wilmington,<BR>Delaware,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. broker-dealer</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Insurance Agency, Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Wilmington,<BR>Delaware,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. insurance agency</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Reinsurance Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hamilton,<BR>Bermuda</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Provides life and financial reinsurance primarily to affiliated</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Reinsurance (Bermuda) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hamilton,<BR>Bermuda</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Provides life and annuity reinsurance affiliated</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Bank of Canada</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Waterloo,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Provides integrated banking products and service options not available from an insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">FNA Financial Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment counseling, portfolio and mutual fund management in Canada</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">First North American Insurance Company</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canadian property and casualty insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">NAL Resources Management Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Calgary,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Management company for oil and gas properties</FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>159</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="38%"></TD></TR>

<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Ownership<BR>Percentage</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT>
</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Address</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Description</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Resources Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Calgary,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Hold oil and gas properties</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Properties Limited Partnership</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Hold oil and gas royalties and European equities</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Western Holdings Limited Partnership</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Calgary,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Hold oil and gas properties</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Securities Investment Services Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Burlington,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual fund dealer for Canadian operations</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Holdings (Bermuda) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hamilton,<BR>Bermuda</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manufacturers P&amp;C Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">St.&nbsp;Michael,<BR>Barbados</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Provides property, casualty and financial reinsurance</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial Asia Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong,<BR>China</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife (Cambodia) PLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Phnom Penh,<BR>Cambodia</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Cambodian life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manufacturers Life Reinsurance Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">St. Michael,<BR>Barbados</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Provides life and annuity reinsurance to affiliates</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife (Vietnam) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Ho&nbsp;Chi&nbsp;Minh<BR>City, Vietnam</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Vietnamese life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (Vietnam) Company Ltd.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Ho Chi Minh<BR>City, Vietnam</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Vietnamese fund management company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife International Holdings Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong,<BR>China</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife (International) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong,<BR>China</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Life insurance company serving Hong Kong and Macau</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife-Sinochem Life Insurance Co. Ltd.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">51</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Shanghai,<BR>China</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Chinese life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management International Holdings&nbsp;Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">St. Michael,<BR>Barbados</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:5.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (Hong Kong) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong,<BR>China</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong investment management and advisory company marketing mutual funds</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:6.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (Taiwan) Co., Ltd.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Taipei, Taiwan</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset management company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Life Insurance Company</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Tokyo, Japan</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Japanese life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (Japan) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Tokyo, Japan</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Japanese investment management and advisory company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Investments Japan Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Tokyo, Japan</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment management and mutual fund business</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Insurance (Thailand) Public Company Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">91.5</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Bangkok,<BR>Thailand</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Thai life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (Thailand) Company&nbsp;Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">91.5</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Bangkok,<BR>Thailand</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment management</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Holdings Berhad</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">59.5</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Kuala&nbsp;Lumpur,<BR>Malaysia</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Insurance Berhad</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">59.5</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Kuala Lumpur,<BR>Malaysia</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Malaysian life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:4.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management Services Berhad</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">59.5</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Kuala Lumpur,<BR>Malaysia</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset management company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife (Singapore) Pte. Ltd.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Singapore</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Singaporean life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (Singapore) Pte. Ltd.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Singapore</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asset management company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">The Manufacturers Life Insurance Co. (Phils.), Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Makati City,<BR>Philippines</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Filipino life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">PT Asuransi Jiwa Manulife Indonesia</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Jakarta,<BR>Indonesia</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Indonesian life insurance company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">PT Manulife Aset Manajemen Indonesia</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Jakarta,<BR>Indonesia</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Indonesian investment management company marketing mutual funds and discretionary funds</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (Europe) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">London,<BR>England</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment management company for Manulife Financial&#146;s international funds</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">EIS Services (Bermuda) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hamilton,<BR>Bermuda</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Berkshire Insurance Services Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">JH Investments (Delaware) LLC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston,<BR>Massachusetts,<BR>U.S.A.</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment holding company</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Securities Incorporated</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Burlington,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment dealer</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Asset Management (North America) Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment advisor</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Regional Power Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Mississauga,<BR>Canada</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Developer and operator of hydro-electric power projects</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>John Hancock Reassurance Company Ltd.</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">100</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Hamilton,<BR>Bermuda</FONT></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Provides life, annuity and long-term care reinsurance to affiliates</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC voting rights percentages are the same as the ownership percentages except for Manulife Insurance (Thailand) Public Company Limited and Manulife Asset
Management (Thailand) Company Limited where MFC&#146;s voting rights are 97.4% and 97.4%, respectively. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>160</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_42"></A>Note 23&nbsp;&nbsp;&nbsp;&nbsp;Segregated Funds </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The Company manages a number of segregated funds, which generate fee revenue, on behalf of policyholders. Policyholders are provided the opportunity to invest in
different categories of segregated funds that respectively hold a range of underlying investments. The Company retains legal title to the underlying investments; however, returns from these investments belong to the policyholders. Accordingly, the
Company does not bear the risk associated with these assets outside of guarantees offered on certain variable life and annuity products. The &#147;Risk Management and Risk Factors&#148; section of the Company&#146;s 2013 MD&amp;A provides
information regarding variable annuity and segregated fund guarantees. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The composition of net assets by categories of segregated funds was within the
following ranges for the year ended December&nbsp;31, 2013. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Type of fund</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Percentage</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Money market funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2&nbsp;to&nbsp;3%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fixed income funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12&nbsp;to&nbsp;15%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balanced funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29 to 32%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity funds</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>50 to 56%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Money market funds consist of investments that have a term of maturity of less than one year. Fixed income funds primarily consist
of investments in fixed grade income securities and may contain smaller investments in diversified equities or high-yield debt securities. Relative to fixed income funds, balanced funds consist of fixed income securities and a larger equity
investment component. The types of equity funds available to policyholders range from low volatility equity funds to aggressive equity funds. Equity funds invest in a varying mix of Canadian, U.S. and global equities. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The underlying investments of the segregated funds consist of both individual securities and mutual funds (collectively &#147;net assets&#148;), some of which may
be considered to be structured entities. The carrying value and change in segregated funds net assets are as follows. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Segregated funds net assets
</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>


<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investments at market value</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,540</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,099</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>7,473</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,615</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mutual funds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>220,936</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">192,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,595</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Accrued investment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>89</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities, net</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(202</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(219</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total segregated funds net assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;240,046</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;209,363</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Composition of segregated funds net assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Held by policyholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Held by Company (seed money reported in other invested assets)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>175</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">166</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total segregated funds net assets</B><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>240,046</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,363</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The total segregated funds net assets are presented separately on the Consolidated Statements of Financial Position. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>161</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Changes in segregated funds net assets </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>


<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Restated&#150;note&nbsp;2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net policyholder cash flow</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deposits from policyholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23,059</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net transfers to general fund</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(624</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Payments to policyholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(30,031</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(24,818</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,003</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment related</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest and dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,490</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net realized and unrealized investment gains</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25,720</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">16,975</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>34,210</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23,158</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Other</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Management and administration fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,698</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Sale of Taiwan insurance business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(522</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of changes in foreign exchange rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,290</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(5,294</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,070</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(8,785</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net additions (deductions)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>30,684</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets, beginning of year</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>209,362</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">196,993</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Segregated funds net assets, end of year</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;240,046</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;209,363</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Information regarding the determination of the fair values of assets held by the segregated funds is included in note 11.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The net assets may be exposed to a variety of financial and other risks. These risks are primarily mitigated by investment guidelines that are actively
monitored by professional and experienced portfolio advisors. The Company is not exposed to these risks beyond the liabilities related to the guarantees associated with certain variable life and annuity products. Accordingly, the Company&#146;s
exposure to loss from segregated fund products is limited to the value of these guarantees. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">These guarantee liabilities are recorded within the
Company&#146;s insurance contract liabilities. Assets supporting these guarantees are recognized in invested assets according to their investment type. The &#147;Risk Management and Risk Factors&#148; section of the Company&#146;s 2013 MD&amp;A
provides information regarding the risks associated with variable annuity and segregated fund guarantees. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:10%; text-indent:-10%"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_43">
</A>Note&nbsp; 24&nbsp;&nbsp;&nbsp;&nbsp;Information Provided in Connection with Investments in Deferred Annuity Contracts and </B><B><I>Signature</I></B><B>&nbsp;Notes Issued or Assumed by John Hancock Life Insurance Company (U.S.A.)
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following condensed consolidating financial information, presented in accordance with IFRS, and the related disclosure have been included in
these Consolidated Financial Statements with respect to JHUSA in compliance with Regulation S-X and Rule 12h-5 of the United States Securities and Exchange Commission (the &#147;Commission&#148;). These financial statements are incorporated by
reference in the registration statements of MFC and its subsidiaries that are described below and which relate to MFC&#146;s guarantee of certain securities to be issued by its subsidiaries. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">JHUSA sells deferred annuity contracts that feature a market value adjustment and are registered with the Commission. The deferred annuity contracts contain variable investment options and fixed investment period
options. The fixed investment period options enable the participant to invest fixed amounts of money for fixed terms at fixed interest rates, subject to a market value adjustment if the participant desires to terminate a fixed investment period
before its maturity date. The annuity contract provides for the market value adjustment to keep the parties whole with respect to the fixed interest bargain for the entire fixed investment period. These fixed investment period options that contain a
market value adjustment feature are referred to as &#147;MVAs&#148;. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">JHUSA may also sell medium-term notes to retail investors under its
<I>Signature</I>Notes program. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Effective December&nbsp;31, 2009, John Hancock Variable Life Insurance Company (the &#147;Variable Company&#148;) and
John Hancock Life Insurance Company (the &#147;Life Company&#148;) merged with and into JHUSA. In connection with the mergers, JHUSA assumed the Variable Company&#146;s rights and obligations with respect to the MVAs issued by the Variable Company
and the Life Company&#146;s rights and obligations with respect to the <I>Signature</I>Notes issued by the Life Company. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC fully and unconditionally
guaranteed the payment obligations of JHUSA under the MVAs and of JHUSA under the <I>Signature</I>Notes (including the MVAs and <I>Signature</I>Notes assumed by JHUSA in the merger), and such MVAs and the <I>Signature</I>Notes were registered with
the Commission. The <I>Signature</I>Notes and MVAs assumed or issued by JHUSA are collectively referred to in this note as the &#147;Guaranteed Securities&#148;. JHUSA is, and each of the Variable Company and the Life Company was, a wholly owned
subsidiary of MFC. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC&#146;s guarantees of the Guaranteed Securities are unsecured obligations of MFC, and are subordinated in right of payment to the
prior payment in full of all other obligations of MFC, except for other guarantees or obligations of MFC which by their terms are designated as ranking equally in right of payment with or subordinate to MFC&#146;s guarantees of the Guaranteed
Securities. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>162</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The laws of the State of New York govern MFC&#146;s guarantees of the <I>Signature</I>Notes issued or assumed by JHUSA
and the laws of the Commonwealth of Massachusetts govern MFC&#146;s guarantees of the MVAs issued or assumed by JHUSA. MFC has consented to the jurisdiction of the courts of New York and Massachusetts. However, because a substantial portion of
MFC&#146;s assets are located outside the United States, the assets of MFC located in the United States may not be sufficient to satisfy a judgment given by a federal or state court in the United States to enforce the subordinate guarantees. In
general, the federal laws of Canada and the laws of the Province of Ontario, where MFC&#146;s principal executive offices are located, permit an action to be brought in Ontario to enforce such a judgment provided that such judgment is subsisting and
unsatisfied for a fixed sum of money and not void or voidable in the United States and a Canadian court will render a judgment against MFC in a certain dollar amount, expressed in Canadian dollars, subject to customary qualifications regarding
fraud, violations of public policy, laws limiting the enforcement of creditor&#146;s rights and applicable statutes of limitations on judgments. There is currently no public policy in effect in the Province of Ontario that would support avoiding the
recognition and enforcement in Ontario of a judgment of a New York or Massachusetts court on MFC&#146;s guarantees of the <I>Signature</I>Notes issued or assumed by JHUSA or a Massachusetts court on guarantees of the MVAs issued or assumed by JHUSA.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">MFC is a holding company. The assets of MFC consist primarily of the outstanding capital stock of its subsidiaries and investments in other
international subsidiaries. MFC&#146;s cash flows primarily consist of dividends and interest payments from its operating subsidiaries, offset by expenses and shareholder dividends and stock repurchases for MFC. As a holding company, MFC&#146;s
ability to meet its cash requirements, including, but not limited to, paying any amounts due under its guarantees, substantially depends upon dividends from its operating subsidiaries. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">These subsidiaries are subject to certain regulatory restrictions under laws in Canada, the United States and certain other countries, which may limit their ability to pay dividends or make contributions or loans
to MFC. For example, some of MFC&#146;s subsidiaries are subject to restrictions prescribed by the ICA on their ability to declare and pay dividends. The restrictions related to dividends imposed by the ICA are described in note 15. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">In the United States, insurance laws in Michigan, New York, Massachusetts and Vermont, the jurisdictions in which certain U.S. insurance company subsidiaries of MFC
are domiciled, impose general limitations on the payment of dividends and other upstream distributions or loans by these insurance subsidiaries. These limitations are described in note 15. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">In Asia, the insurance laws of the jurisdictions in which MFC operates either provide for specific restrictions on the payment of dividends or other distributions or loans by subsidiaries or impose solvency or
other financial tests, which could affect the ability of subsidiaries to pay dividends in certain circumstances. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">There can be no assurance that any
current or future regulatory restrictions in Canada, the United States or Asia will not impair MFC&#146;s ability to meet its cash requirements, including, but not limited to, paying any amounts due under its guarantee. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The following condensed consolidating financial information, presented in accordance with IFRS, reflects the effects of the mergers and is provided in compliance
with Regulation S-X and in accordance with Rule 12h-5 of the Commission. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Condensed Consolidating Statement of Financial Position </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">JHUSA<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidation<BR>Adjustments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated<BR>MFC</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>89,552</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>143,184</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(55</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>232,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investments in unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>33,831</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,561</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,269</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(51,661</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinsurance assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25,891</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,454</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(14,902</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>192</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,258</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23,547</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(19,392</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>23,605</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150,448</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>90,812</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,389</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>34,051</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>289,710</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>277,266</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(87,399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>103,945</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>104,847</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(15,550</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>193,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities and deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,444</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,085</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,524</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>574</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>19,561</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>37,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(18,311</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>39,798</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,610</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,775</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>344</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,077</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,645</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(681</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,385</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150,448</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>90,812</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,389</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>239,871</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28,523</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,235</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>38,379</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(51,614</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28,523</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>375</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;34,051</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;289,710</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;277,266</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(87,399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;513,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>163</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Condensed Consolidating Statement of Financial Position </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">JHUSA<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidation<BR>Adjustments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated<BR>MFC</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">87,557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">140,422</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">227,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investments in unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,991</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(45,479</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Reinsurance assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,785</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(17,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">404</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">25,859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18,345</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29,188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">127,717</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83,551</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,071</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total assets</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30,495</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">269,855</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">268,036</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(83,388</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">107,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">108,864</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(18,054</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">198,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment contract liabilities and deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,009</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,709</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">36,773</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(17,161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">40,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,882</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Liabilities for preferred shares and capital instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(815</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Segregated funds net liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">127,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">83,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">209,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">33,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(45,353</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">379</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(78</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">301</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total liabilities and equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;30,495</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;269,855</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;268,036</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(83,388</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;484,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:14px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Condensed Consolidating Statement of Income </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">JHUSA<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidation<BR>Adjustments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated<BR>MFC</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net premium income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5,054</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;12,322</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>134</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>250</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5,220</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,507</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,270</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,547</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,971</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,397</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>244</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,381</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15,786</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>18,672</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Policy benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net benefits and claims</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(2,692</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,728</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,817</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,853</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commissions, investment and general expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,791</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,168</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,265</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,716</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other expenses</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>280</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>212</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,155</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,291</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,356</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total policy benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>311</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;13,051</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;14,925</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income (loss) before income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,070</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,735</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax (expense) recovery</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(206</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(387</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income (loss) after income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>864</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,348</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity in net income (loss) of unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>454</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,318</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,318</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,666</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(4,948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,327</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,631</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,958</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,318</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,666</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>164</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Condensed Consolidating Statement of Income </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">JHUSA<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidation<BR>Adjustments</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated<BR>MFC</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Revenue</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net premium income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(679</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net investment income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">5,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11,627</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net other revenue</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,681</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,707</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,102</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,289</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total revenue</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">374</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;6,288</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;25,900</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,452</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;29,110</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Policy benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net benefits and claims</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14,642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(808</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Commissions, investment and general expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other expenses</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">303</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">169</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,043</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,282</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,233</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Total policy benefits and expenses</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">321</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,159</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24,839</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(3,452</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">27,867</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income (loss) before income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax (expense) recovery</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">344</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">162</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">492</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income (loss) after income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">473</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity in net income (loss) of unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,771</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">196</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">669</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">669</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,892</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Non-controlling interests</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Participating policyholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">716</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,963</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,679</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">669</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,892</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>165</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Consolidating Statement of Cash Flows </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Guarantor)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">JHUSA</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Issuer)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidation</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Operating activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,318</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,666</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments for non-cash items in net income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity in net income of unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(454</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,318</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,948</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(9,025</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,105</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>162</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">(Increase) decrease in reinsurance assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,904</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(2,378</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,526</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Amortization of premium/discount on invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>89</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>334</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>426</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net realized and unrealized losses and impairments on assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,676</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,090</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17,786</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gain on sale of Taiwan insurance business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(479</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(479</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred income tax expense (recovery)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(76</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>632</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(81</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>475</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Stock option expense</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income (loss) adjusted for non-cash items</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(99</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,177</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6,866</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,944</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividends from unconsolidated subsidiary</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>319</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,519</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in policy related and operating receivables and payables</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(57</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(6,014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,835</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,236</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by (used in) operating activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;1,044</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>163</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10,020</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(1,519</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,708</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Purchases and mortgage advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(20,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(46,827</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(67,801</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposals and repayments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>21,032</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>36,689</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>57,721</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in investment broker net receivables and payables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(169</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment in common shares of subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(401</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>401</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net cash decrease from purchase of subsidiary</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(359</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(359</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Redemption of preferred shares of subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital contribution to unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(247</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(93</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>340</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Return of capital from unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>278</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(278</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes receivable from parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(222</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>222</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes receivable from subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by (used in) by investing activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(363</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>307</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(10,888</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>397</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,547</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Financing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in repurchase agreements and securities<BR>sold but not yet purchased</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(464</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(471</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repayment of long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issue of capital instruments, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>448</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>448</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net redemption of investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Funds repaid, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(122</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Secured borrowings from securitization transactions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>750</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>750</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in bank deposits, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>981</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>981</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholder dividends paid in cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(761</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(761</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Contributions from (distributions to) non-controlling interests, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Common shares issued, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>401</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(401</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred shares issued, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividends paid to parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(319</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,200</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,519</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gain (loss) on intercompany transaction</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>79</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(79</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital contributions by parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>340</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(340</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Return of capital to parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(278</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>278</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes payable to parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes payable to subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>222</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(222</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by (used in) financing activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(676</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(834</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>881</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,122</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>493</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash and short-term securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(364</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(346</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect of foreign exchange rate changes on cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>259</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>219</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>479</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,984</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,753</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December 31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,642</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,216</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,886</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash and short-term securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Beginning of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,122</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,242</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,386</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net payments in transit, included in other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(375</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(258</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(633</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net cash and short-term securities, January 1</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,747</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,984</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,753</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>End of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,091</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,511</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>13,630</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net payments in transit, included in other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(449</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(295</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(744</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net cash and short-term securities, December 31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,642</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,216</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12,886</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Supplemental disclosures on cash flow information:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest received</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,997</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4,619</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B> &#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8,616</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>290</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>107</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,046</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income taxes paid</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>791</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>319</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>166</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Consolidating Statement of Cash Flows </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the year ended December&nbsp;31, 2012 </B>(Restated&#150;note 2)<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Guarantor)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">JHUSA</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Issuer)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidation</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Consolidated</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">MFC</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Operating activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,892</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(2,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments for non-cash items in net income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Equity in net income of unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase in insurance contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase in investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">(Increase) decrease in reinsurance assets, net of premium ceded<BR>relating to FDA coinsurance (note 8(c))</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,207</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(836</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Amortization of premium/discount on invested assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net realized and unrealized gains and impairments on assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,490</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Deferred income tax expense (recovery)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(886</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,526</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Stock option expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.20em; text-indent:-1.60em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill impairment</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net income (loss) adjusted for non-cash items</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7,601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividends from unconsolidated subsidiary</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in policy related and operating receivables and payables</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,084</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">875</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(198</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by (used in) operating activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">896</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,277</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,476</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(854</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10,795</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Purchases and mortgage advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(20,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(61,705</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(81,775</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Disposals and repayments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">18,803</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">52,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">71,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in investment broker net receivables and payables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Investment in common shares of subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital contribution to unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Return of capital from unconsolidated subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes receivables from affiliates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes receivable from parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes receivable from subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">24</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">7</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(129</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">98</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by (used in) by investing activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;(955</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,366</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(9,692</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;1,178</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(10,835</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Financing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) in repurchase agreements and securities sold but not yet purchased</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Issue of capital instruments, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repayment of capital instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net redemption of investment contract liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Funds repaid, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Secured borrowings from securitization transactions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Changes in bank deposits, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholder dividends paid in cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Contributions from (distributions to) non-controlling interests, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Common shares issued, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred shares issued, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividends paid to parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Capital contributions by parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Return of capital to parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes payable to affiliates</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes payable to parent</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes payable to subsidiaries</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">72</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(72</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash provided by (used in) financing activities</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(137</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,178</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(324</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">740</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash and short-term securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Increase (decrease) during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">774</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effect of foreign exchange rate changes on cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Balance, beginning of year</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,038</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,170</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,266</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Balance, December 31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,747</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,984</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,753</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cash and short-term securities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Beginning of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net payments in transit, included in other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(325</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(208</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(533</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net cash and short-term securities, January 1</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">58</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,038</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,170</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,266</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>End of year</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross cash and short-term securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">13,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net payments in transit, included in other liabilities</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(375</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(258</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(633</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net cash and short-term securities, December 31</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,747</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,984</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">12,753</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Supplemental disclosures on cash flow information:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest received</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"> &#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4,554</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,668</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(624</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income taxes paid</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">466</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">466</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>167</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_43a"></A>Note 25&nbsp;&nbsp;&nbsp;&nbsp;Subsequent Events </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On February 25, 2014, MFC issued eight million Class 1 Shares Series 15 (&#147;Class 1 Series 15 Preferred Shares&#148;) at a price of $25 per share, for an
aggregate amount of $200. The Class 1 Series 15 Preferred Shares are entitled to non-cumulative preferential cash dividends, payable quarterly, if and when declared, at a per annum rate of 3.90% until June 19, 2019 after which the dividend rate will
be reset every five years at a rate equal to the five year Government of Canada bond yield plus 2.16%. On June 19, 2019 and on June 19 every five years thereafter, the Class 1 Series 15 Preferred Shares will be convertible at the option of the
holder into Class 1 Shares Series 16 (&#147;Class 1 Series 16 Preferred Shares&#148;). The Class 1 Series 16 Preferred Shares are entitled to non-cumulative preferential cash dividends, payable quarterly, if and when declared, at a rate equal to the
three month Government of Canada Treasury Bill yield plus 2.16%. Subject to regulatory approval, MFC may redeem Class 1 Series 15 Preferred Shares, in whole or in part, at par, on June 19, 2019 and on June 19 every five years thereafter. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">On February 21, 2014, MLI issued $500 in subordinated fixed/floating debentures, which mature February 21, 2024. The debentures are guaranteed by MFC on a
subordinated basis. The debentures bear interest at a fixed rate of 2.811% per annum, payable semi-annually for five years and thereafter at the 3-month Bankers&#146; Acceptance rate plus 0.80% payable quarterly. With regulatory approval, MLI may
redeem the debentures, in whole or in part, on or after February 21, 2019, at par, together with accrued and unpaid interest. The subordinated debentures form part of the Company&#146;s Tier 2B regulatory capital. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655598_44"></A>Note 26&nbsp;&nbsp;&nbsp;&nbsp;Comparatives </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Certain comparative amounts have been reclassified to conform to the current year&#146;s presentation. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>168</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Notes&nbsp;to&nbsp;Consolidated&nbsp;Financial&nbsp;Statements</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_13"></A>EMBEDDED VALUE </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Embedded Value is a measure of the shareholder value embedded in the current Consolidated Statements of Financial Position of the Company, excluding any value associated with future new business. The change in
embedded value between reporting periods is used by Manulife Financial&#146;s management as a measure of the value created by the year&#146;s operations. Embedded value is a non-GAAP measure. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Manulife Financial&#146;s embedded value is defined as the adjusted IFRS shareholders&#146; equity plus the value of in-force business. The adjusted IFRS shareholders&#146; equity is the fiscal year end IFRS
shareholders&#146; equity adjusted for goodwill and intangibles, fair value of surplus assets and third party debt. The value of in-force business is the present value of expected future IFRS earnings on in-force business less the present value cost
of holding capital required to support the in-force business. Required capital uses the Canadian MCCSR required capital framework. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">As at
December&nbsp;31, 2013, Manulife Financial&#146;s embedded value was $41.7 billion, an increase of $3.7 billion from December&nbsp;31, 2012. Normal operating activities increased embedded value by $3.0 billion as interest on last year&#146;s
embedded value and the embedded value created by new business were partially offset by experience variances and the impact of actuarial assumption changes. Updates to non-operational items increased embedded value by $0.7 billion, as a result of
favourable currency impacts due to the appreciation of the US Dollar and Hong Kong Dollar, partly offset by the impact of other capital movements and shareholder dividends. </FONT></P>
<P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Embedded Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For the years ended December&nbsp;31,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ in millions unless otherwise stated)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Embedded value as at January&nbsp;1</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;37,998</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;36,065</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Interest on embedded value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">New business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,202</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Experience variances and changes in actuarial assumptions</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,412</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(481</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Embedded value before discount rate/currency and capital movements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>40,954</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">39,684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Discount rate changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Surplus yield changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Currency</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Common shareholder dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(961</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other capital
movements<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">160</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Embedded value as at December&nbsp;31 </B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>41,705</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">37,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Embedded value per share</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>22.62</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20.79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Annual growth rate in embedded value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">(before the impact of discount rate, currency, dividends and capital changes)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">10%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Includes share issues, option exercises and fair value adjustments to shareholders&#146; equity. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The embedded value can be reconciled to the Consolidated Financial Statements as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>As at December&nbsp;31,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">(C$ in millions unless otherwise stated)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-bottom:1px solid #000000">&nbsp;</P></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders&#146; equity on Consolidated Statements of Financial Position (excludes preferred shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>25,831</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">22,952</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fair value adjustments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Goodwill&nbsp;&amp; (post-tax) intangibles</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(4,532</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,408</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Value of adjusted IFRS shareholders&#146; equity</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,861</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">17,224</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Pre-tax value of expected profit embedded in insurance and investment contract liabilities (reported actuarial provision for adverse
deviation &#150; PfAD)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>44,700</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47,997</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Adjustments:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Value of additional policy margins not captured in reported actuarial PfAD</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9,211</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9,404</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(13,483</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(14,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Converting discount rates from valuation rates to higher cost of capital adjusted discount
rates</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(10,968</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(13,177</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Gross value of in-force business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>29,460</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cost of locked-in capital</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(8,616</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(9,227</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Value of in-force
business<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)<B></B></SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>20,844</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">20,774</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Embedded value</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>41,705</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">37,998</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The reported actuarial PfAD includes non-capitalized segregated fund margins. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">The 2013 value of in-force Variable Annuity business is $2,241 million. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Embedded&nbsp;Value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>169</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The principal economic assumptions used in the embedded value calculations in 2013 were as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong&nbsp;Kong</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Japan</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">MCCSR ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>150%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Discount rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.25%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9.00%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6.25%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Risk premium</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>5.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Yield on surplus assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2.00%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Jurisdictional income tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>26.5%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>35%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16.5%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>31%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Foreign exchange rate</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>n/a</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0636</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.1372</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The discount rate is based on a long term moving average of risk free rates. Risk premiums varying from four to five percent are
added to the long term risk free rate. However, higher risk premiums were used in some Asian businesses resulting in a weighted average discount rate of 8.4 percent. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">The assumptions are reviewed annually. The key assumptions are summarized below. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Discount Rates</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Interest on Surplus</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Exchange Rates</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.25%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8.25%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.50%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8.50%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.50%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S. Dollar</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1.0636</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.9949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>9.00%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">9.00%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>4.50%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">4.50%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong Dollar</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.1372</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.1284</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Japan</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6.25%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">6.25%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2.00%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2.00%</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Japanese Yen</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>0.0101</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">0.0115</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The embedded value has been calculated using the financial position of the Company as at September 30, 2013 projected to
December&nbsp;31, 2013, allowing for the actual change in key elements such as the market value of securities, the contribution of new business and policy experience. As such, management believes that the value is a fair representation of the
Company&#146;s embedded value as at December 31, 2013. The future stream of profits and cost of capital has been calculated on a IFRS basis with MCCSR capital in all territories. Surplus assets have been fair valued and projected forward at a market
return of 4.50% for U.S. and Canadian dollar denominated assets, and 2.00% for Yen denominated assets. All actuarial assumptions are consistent with best estimate assumptions used in the valuation of insurance and investment contract liabilities
liabilities as at December 31, 2013 on an IFRS basis, and do not include any future costs related to a continuation of the Company&#146;s macro hedge program. The Company&#146;s target equity/debt structure has been utilized, which assumes that 25
per cent of the capital is in the form of debt. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD WIDTH="35%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>170</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Embedded&nbsp;Value</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_14"></A>SOURCE OF EARNINGS </B></FONT></P> <P STYLE="margin-top:10px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Manulife uses the Source of Earnings (&#147;SOE&#148;) to identify the primary sources of gains or losses in each reporting period. It is one of the key tools the Company uses to understand and manage its business.
The SOE is prepared following regulatory guidelines prepared by OSFI, and in accordance with draft guidelines set out by the Canadian Institute of Actuaries (&#147;CIA&#148;). The SOE attributes each component of earnings to one of seven categories:
expected profit from in-force business, the impact of new business, experience gains or losses (comparing actual to expected outcomes), the impact of management actions and changes in assumptions, earnings on surplus funds, other, and income taxes.
In aggregate, these elements explain the $3,130 million of net income attributed to shareholders in 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Each of these seven sources is described
below. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Expected profit from in-force business</B> represents the formula-driven release of Provisions for Adverse Deviation (&#147;PfADs&#148;) on
the non-fee income insurance businesses, the expected net income on fee businesses, and the planned margins on one-year renewable businesses such as Group Benefits. PfADs are a requirement of the CIA&#146;s Standards of Practice, and represent
additional amounts held in excess of the expected cost of discharging policy obligations in order to provide a margin of conservatism. These amounts are released over time as the Company is released from the risks associated with the policy
obligations. For wealth businesses the increase in 2013 over 2012 was primarily due to lower amortization of deferred acquisition costs on our closed blocks of variable annuity business and higher fee income as a result of favourable markets and
strong sales, while increases in insurance lines were due to growth. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">For mutual fund and asset management businesses, starting from the third quarter of
2013, all pre-tax income is reported in expected profit from in-force business except the non-capitalized acquisition expenses which are reported in impact of new business. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Impact of new business</B> represents the financial impact of new business written in the period, including acquisition expenses. Writing new business creates economic value, which is offset by PfADs and other
limits on capitalization of this economic value in the actuarial liabilities. For business which does not have actuarial reserves, this represents the non-deferrable upfront cost of issuing the business. Consequently, the Company reported an overall
loss in the Consolidated Statements of Income from new business in the first year. The new business loss in 2013 was lower than in 2012 mainly due to the repositioning of the product portfolio in U.S. Insurance, the positive impact of repricing
activities in Canadian Individual Insurance, and increased interest rates in both the U.S. and Canada; partially offset by higher wealth management sales. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Experience gains or losses</B> arise from items such as claims, policy persistency, fee income, and expenses, where the actual experience in the current period
differs from the expected results assumed in the insurance and investment contract liabilities. They also include the experience gains or losses associated with actual investment returns and movements in investment markets differing from those
expected on assets supporting the liabilities. For the majority of businesses, the expected future investment returns underlying the valuation are updated quarterly for investment market movements and this impact is also included in the experience
gains and losses. This component also includes the impact of currency changes to the extent they are separately quantified. Experience gains do not include the impact of management actions or changes in assumptions during the reporting period, which
are reported in &#147;Management actions and changes in assumptions.&#148; </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">The experience gains in 2013 and 2012 were primarily driven by the favourable
impact of equity market movements on segregated fund guarantees, including gains on the hedged block largely related to favourable fund manager performance, and investment gains on general fund liabilities, partially offset by experience losses from
macro hedges. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Management actions and changes in assumptions</B> reflect the income impact of changes to valuation methods and assumptions for the
insurance and investment contract liabilities and other management initiated actions in the year that are outside the normal course of business. All changes in the methods and assumptions impacting the insurance and investment contract liabilities
are reported in the Corporate and Other (&#147;Corporate&#148;) segment with a total consolidated shareholders&#146; pre-tax earnings impact of a $744 million in 2013 and a $2,467 million charge in 2012. The changes in methods and assumptions in
2013 included updates of lapse and policyholder behaviour assumptions to U.S. Insurance premium persistency assumptions for universal life and variable universal life products; lapse and policyholder behaviour assumptions across insurance and
variable annuity businesses, primarily in Canada and in Japan; enhancements to actuarial methods and modeling of assets and liabilities; and the U.S. Long-Term Care triennial review. Note 8 of the Consolidated Financial Statements provides
additional details of the changes in actuarial methods and assumptions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Material management action items reported in the Corporate segment in 2013
include the expected cost of equity macro hedges, losses from the sale of debt securities designated as available-for-sale (&#147;AFS&#148;), and severance accrual and associated costs. Material management action items reported in the Corporate
segment in 2012 include a goodwill impairment charge for Canada and the expected cost of equity macro hedges, partly offset by gains from bonds designated as AFS. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Management action items reported in business segments are primarily driven by specific business unit actions. Management actions in Asia in 2013 included gains on the sale of the Taiwan insurance business and the
beneficial impact of a reinsurance recapture in Hong Kong. Management actions in the U.S. in 2013 included the favourable impact of policyholder-approved changes to the investment objectives of separate accounts that support our Variable Annuity
products in the U.S. Management actions in Canada in 2012 included the beneficial impact of a reinsurance recapture and segregated funds product changes resulting in reserve releases. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Earnings on surplus</B> funds reflect the actual investment returns on the assets supporting the Company&#146;s surplus (shareholders&#146; equity). These assets comprise a diversified portfolio and returns will
vary in harmony with the underlying asset categories. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Source of&nbsp;Earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>171</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other</B> represents pre-tax earnings items not included in any other line of the SOE, including non-controlling
interests, and any earnings not otherwise explained in the SOE. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Income taxes</B> represent the tax charges to earnings based on the varying tax rates
in the jurisdictions in which Manulife Financial conducts business. The income tax recovery for 2012 included the release of prior year tax provisions following the resolution of tax audits and a benefit from changes to tax rates in Japan.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Manulife Financial&#146;s net income attributed to shareholders for the full year 2013 increased to $3,130 million from $1,810 million the previous
year. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>For the year ended December&nbsp;31, 2013</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate<BR>and&nbsp;Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Expected profit from in-force business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>982</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,045</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,648</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,691</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of new business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(80</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(132</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(263</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Experience gains (losses)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,203</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(316</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>1,697</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,875</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Management actions and changes in assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>504</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&#150;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,600</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(799</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Earnings on surplus</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>174</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>266</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>486</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(531</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>395</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(43</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income (loss) before income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;2,786</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;820</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;4,092</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;(3,987</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;&nbsp;3,711</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax (expense) recovery</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(267</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(1,184</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>862</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(581</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,519</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>828</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>2,908</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(3,125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>3,130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>For the year ended December&nbsp;31, 2012</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(C$ millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Asia</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate<BR>and&nbsp;Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Expected profit from in-force business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">959</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">3,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Impact of new business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Experience gains (losses)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">960</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Management actions and changes in assumptions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">341</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,002</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Earnings on surplus</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(422</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(117</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(150</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Income (loss) before income taxes</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,063</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">2,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(4,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,318</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Income tax (expense) recovery</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(94</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">21</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(537</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,102</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">492</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:2px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Net income (loss) attributed to shareholders</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,969</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,169</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,919</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,247</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,810</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD WIDTH="35%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>172</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Source of Earnings</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_15"></A>BOARD OF DIRECTORS </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">Current as at March&nbsp;11, 2014 </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&#147;Director Since&#148; refers to the year of first election to the Board of
Directors of The Manufacturers Life Insurance Company. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="25%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="24%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Richard B. DeWolfe</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Chairman of the Board</I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2004</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Susan F. Dabarno</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Corporate Director</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Bracebridge, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2013</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Luther S. Helms</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Managing Partner</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Sonata Capital Group</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Paradise Valley, AZ, U.S.A.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2007</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>John R.V. Palmer</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Corporate Director</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2009</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Donald A. Guloien</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>President and Chief Executive Officer</I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2009</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Sheila S. Fraser</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Corporate Director</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Ottawa, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2011</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Tsun-yan Hsieh</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Chairman</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Linhart Group Pte Ltd.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Singapore, Singapore</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2011</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>C. James Prieur</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Corporate Director</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Chicago, Illinois, U.S.A.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2013</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Joseph P. Caron</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>President</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Joseph Caron Incorporated</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">West Vancouver, BC, Canada</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2010</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Scott M. Hand</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Executive Chairman of the Board</I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Royal Nickel Corporation</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2007</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Donald R. Lindsay</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><I>President and Chief Executive Officer</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Teck Resources
Limited</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Vancouver, BC Canada</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2010</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Andrea S. Rosen</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Corporate Director</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2011</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>John M. Cassaday</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>President and Chief Executive Officer</I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Corus Entertainment Inc.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 1993</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Robert J. Harding, FCA</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Corporate Director</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2008</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Lorna R. Marsden</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>President Emerita and Professor</I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">York University</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON, Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 1995</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Lesley D. Webster</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>President</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:ARIAL" SIZE="1">Daniels Webster Capital Advisors</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Naples, Florida, U.S.A.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Director Since: 2012</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Board of Directors</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>173</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_16"></A>COMPANY OFFICERS </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2">March&nbsp;11, 2014 </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>EXECUTIVE COMMITTEE: </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD></TR>


<TR>
<TD VALIGN="top" ROWSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Donald A. Guloien</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">President and
Chief Executive Officer</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Jean-Paul (J-P.) Bisnaire</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Executive Vice President,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporate Affairs and</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">General Counsel</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Craig R. Bromley</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Executive Vice President and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">General Manager, U.S. Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Robert A. Cook</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Executive
Vice President and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">General Manager, Asia</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Cindy L. Forbes</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice President and</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Chief Actuary</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Marianne Harrison</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Executive Vice President and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">General Manager, Canadian Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Scott S. Hartz</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice
President,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">General Account Investments</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Rahim Hirji</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice President and</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Chief Risk Officer</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Stephani E. Kingsmill</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice President,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Human Resources</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Stephen B. Roder</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior
Executive Vice President and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Chief Financial Officer</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Paul L. Rooney</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Executive Vice President and</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Chief Operating Officer</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Warren A. Thomson</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Executive Vice President and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Chief Investment Officer</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:24px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>MANAGEMENT COMMITTEE </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">(includes members of Executive Committee plus): </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD></TR>


<TR>
<TD VALIGN="top" ROWSPAN="5"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Kevin J.E. Adolphe</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive
Vice President, Private Asset</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Management, Investment Division</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Nicole L. Boivin</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Vice President and Chief Branding and
Communications Officer</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Richard J. Brunet</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice President,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Institutional</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Joseph M. Cooper</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Executive Vice President. Global</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Services and Chief Information Officer</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Michael J. Doughty</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Executive Vice President</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Insurance, U.S. Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="5"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Steven A. Finch</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice
President and Chief</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Financial Officer, U.S. Division &#150;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">John Hancock Financial Services</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>James D. Gallagher</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice President, General</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Counsel and Chief Administrative</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Officer, U.S. Division</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Philip J. Hampden-Smith</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Executive Vice President and Chief</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Marketing Officer, Asia Division</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Michael E. Huddart</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Executive Vice President,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Greater China, Asia Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="5"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Paul R. Lorentz</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice
President and General Manager Retail (Individual Life and Wealth Management) Canadian Division</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Hugh C. McHaffie</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice President, U.S. Wealth Management</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>H. Steven Moore</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Senior Vice President, Treasurer and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Investor Relations</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Gavin L. Robinson</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Executive Vice President and General Manager of Japan, Asia Division</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="5"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Stephen P. Sigurdson</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive
Vice President, General</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Counsel Canada and Corporate</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Secretary</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Lynda D. Sullivan</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Executive Vice President and Controller</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>D. Gregory Taylor</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Executive Vice President and Chief Financial Officer, Canadian Division</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Peter F. Wilkinson</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Senior Vice President,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Industry, Regulatory and Government Affairs</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD WIDTH="35%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>174</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Company Officers</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_17"></A>OFFICE LISTING </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Corporate Headquarters</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Financial Corporation</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">200 Bloor Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Canada M4W 1E5</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 416 926-3000</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canadian Division</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Head Office</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">500 King Street North</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Waterloo, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada N2J 4C6</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: 519 747-7000</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Group
Benefits</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">600 Weber Street North</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Waterloo,
ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada N2V 1K4</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 519-747-7000</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Individual Insurance and Group</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Retirement Solutions</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">25 Water Street South</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Kitchener, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada N2G 4Z4</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: 519-747-7000</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>International Group
Program</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">200 Berkeley Street, B-03</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston, MA
02116</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.A.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 617 572-6000</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>International Group Program&#150;</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Europe</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>John Hancock International</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Services S.A.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Avenue de Tervuren 270-272</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">B-1150 Brussels, Belgium</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +32 02 775-2940</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Investments</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">200 Bloor Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Canada M4W 1E5</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 519-747-7000</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Bank of Canada</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">500 King Street North</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Waterloo, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada N2J 4C6</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 519 747-7000</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Advisory Services</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">1235 North Service Road West</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Oakville, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada L6M 2W2</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: 905-469-2100</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Affinity
Markets</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">2 Queen Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada M5C 3G7</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 519-747-7000</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Division</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>John Hancock Financial</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Head Office and</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Wealth Management</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">601 Congress Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston, MA 02210</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">U.S.A.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 617 663-3000</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>U.S. Insurance</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">197 Clarendon Street</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston, MA 02117</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.A.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 617 572-6000</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Asia Division</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Head Office</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">48/F., The Lee Gardens</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">33 Hysan Avenue</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Causeway Bay</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +852 2510-5888</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Cambodia</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife (Cambodia)
PLC</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">8th Floor, Siri Tower,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">104 Russian Federation
Boulevard</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Sangkat Toeuk Laak I,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Khan Toul
Kork,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Phnom Penh, Cambodia</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 855 23 965 999</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>China</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife-Sinochem Life</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Insurance Co. Ltd.</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">6/F., Jin Mao Tower</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">88 Century Boulevard</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Pudong New Area</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Shanghai 200121</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">P.R. China</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +86-21-5049-2288</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife-Teda Fund Management Co., Ltd.</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">3/F, South Block, Winland International Financial Center</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">No.7
Financial Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">XiCheng District</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Beijing
100033</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">P.R. China</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +86-10-6657-7777</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Hong Kong</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife (International) Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">22/F., Manulife Financial Centre</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">223-231 Wai Yip Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Kwun Tong, Kowloon</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: +852 2510-5600</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Provident
Funds</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Trust Company Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">22/F., Manulife
Financial Centre</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">223-231 Wai Yip Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Kwun Tong,
Kowloon</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +852 2510-5600</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Macau</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife (International) Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Avenida da Praia Grande, no.
517,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Edif. Comercial Nam Tung, 8 andar</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Macau</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel : +853 8398-0388</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Indonesia</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>PT. Asuransi Jiwa Manulife
Indonesia</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">3-17/F., South Tower, Sampoerna Strategic Square</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Jl. Jend. Sudirman Kav 45</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Jakarta 12930</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Indonesia</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +62 21 2555-7788</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Japan</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Life Insurance Company</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">4-34-1, Kokuryo-cho</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Chofu-shi, Tokyo</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Japan 182-8621</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: +81 4 2489-8080</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Investments
Japan Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">15F Marunouchi Trust Tower North</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">1-8-1
Marunouchi, Chiyoda-ku</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tokyo, Japan 100-0005</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +81 3
6267-1900</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Malaysia</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Holdings Berhad</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">16/F., Menara Manulife</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Jalan Gelenggang</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Damansara Heights</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">50490 Kuala Lumpur</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: +60 3 2719-9228</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Philippines</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>The Manufacturers Life Insurance Co. (Phils.), Inc.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">LKG Tower</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">6801 Ayala Avenue</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">1226 Makati City</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Philippines</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +63 2 884-5433</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Singapore</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife (Singapore) Pte Ltd.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">51 Bras Basah Road</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">#09-00 Manulife Centre</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Singapore 189554</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +65 6737-1221</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Thailand</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Insurance (Thailand) Public Co. Ltd.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">364/30 Sri Ayudhaya Road</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Rajthevi, Bangkok 10400</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Thailand</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +66 2 246-7650</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Vietnam</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife (Vietnam)
Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Plaza</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">75 Hoang Van Thai
Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tan Phu Ward, District 7</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Ho Chi Minh
City</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Vietnam</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +84 8 5416-6888</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>P&amp;C Reinsurance Division</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manufacturers P&amp;C Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Manufacturers P&amp;C Limited</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Goddard Building</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Haggatt Hall</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">St. Michael, BB-11059</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Barbados, West Indies</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +246 228-4910</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Investment Division</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management Limited</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">200 Bloor Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto, ON</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada M4W 1E5</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 416 852-2204</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>(US) LLC</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">197 Clarendon Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Boston, MA 02116</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.A.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 617 375-1500</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management (Asia),</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>a division of Manulife Asset</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Management (Hong Kong) Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">47/F., The Lee
Gardens</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">33 Hysan Avenue</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Causeway Bay</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Hong Kong</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +852 2910-2600</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>(Japan) Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">15F Marunouchi Trust Tower North</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">1-8-1 Marunouchi, Chiyoda-ku</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tokyo, Japan 100-0005</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: +81 3 6267-1940</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>PT Manulife Aset Manajemen</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Indonesia</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">31st Floor, Sampoerna Strategic Square South
Tower,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Jalan Sudirman Kav. 45-46</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Jakarta 12930</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Indonesia</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +6221 2555 7788</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Services Berhad</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">13th Floor, Menara Manulife</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">6 Jalan Gelenggang,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Damansara Heights</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: +603 2719-9228</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">50490 Kuala Lumpur, Malaysia</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management (Singapore) Pte. Ltd.</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">1 Kim Seng Promenade #11-07/08</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Singapore 237994</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Great World City, West Tower</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +65 6501-5411</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>(Taiwan) Co., Ltd.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">9F, No.89, Sungren Road, Taipei 11073</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Taiwan, R.O.C.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +886 2 2757 5615</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>(Thailand) Co. Ltd.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">6th Floor, Manulife Place</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">364/30 Sri Ayudhaya Road, Rajthevi</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Bangkok 10400</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Thailand</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +662 246 7650</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management (Vietnam) Co. Ltd.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">4F, Manulife
Plaza, 75 Hoang Van Thai, Tan Phu Ward</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">District 7, Ho Chi Minh City,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Vietnam</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +84-8 5416 6777</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Asset Management (Europe) Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">10 King William
Street</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">London, EC4N 7TW</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">England, U.K.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: +44 20 7256-3500</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Manulife Capital</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">200 Bloor Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada M4W 1E5</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: 416 852-7381</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Mortgage
Division</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">200 Bloor Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto, ON</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada M4W 1E5</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 1 800 286-1909 (Canada)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 800 809-3082 (U.S.A.)</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>NAL Resources Management Limited</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">550 6<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">th</SUP> Avenue S.W.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Suite 600</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Calgary, AB</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada T2P 0S2</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Tel: 403 294-3600</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Real Estate
Division</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">250 Bloor Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">8th Floor</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto, ON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Canada M4W 1E5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 416 926-5500</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Hancock Natural Resource Group</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">99 High Street, 26<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">th</SUP> Floor</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Boston, MA 02110-2320</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">U.S.A.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">Tel: 617 747-1600</FONT></P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Office Listing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>175</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="5"><B><A NAME="tx655598_18"></A>Glossary of Terms </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Available-For-Sale (AFS) Financial Assets:</B> Non-derivative financial assets that are designated as
available-for-sale or that are not classified as loans and receivables, held-to maturity investments, or held for trading. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Accumulated Other
Comprehensive Income (AOCI):</B> A separate component of shareholders&#146; equity which includes net unrealized gains and losses on available-for-sale securities, net unrealized gains and losses on derivative instruments designated within an
effective cash flow hedge, and unrealized foreign currency translation gains and losses. These items have been recognized in other comprehensive income and may be subsequently reclassified to net income. AOCI also includes <FONT
STYLE="white-space:nowrap">re-measurement</FONT> of pension and other post-employment plans, which is recognized in other comprehensive income and will never be reclassified to net income. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Book Value per Share:</B> Ratio obtained by dividing common shareholders&#146; equity by the number of common shares outstanding at the end of the period. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Cash Flow Hedges:</B> A hedge of the exposure to variability in cash flows associated with a recognized asset or liability, a forecasted transaction or a foreign currency risk in an unrecognized firm commitment
that is attributable to a particular risk and could affect reported net income. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Constant Currency Basis:</B> Amounts stated on a constant currency
basis are calculated by applying the most recent quarter&#146;s exchange rates to all prior periods. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Core Earnings (Losses): </B>A measure to help
investors better understand the long-term earnings capacity and valuation of the business. Core earnings excludes the direct impact of equity markets and interest rates as well as a number of other items that are considered material and exceptional
in nature. While this metric is relevant to how we manage our business and offers a consistent methodology, it is not insulated from macro-economic factors, which can have a significant impact. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Deferred Acquisition Costs (DAC):</B> Costs directly attributable to the acquisition of new business, principally agents&#146; compensation, which are
capitalized on the Company&#146;s Consolidated Statements of Financial Position and amortized into income over a specified period. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Embedded
Value:</B> A measure of shareholders&#146; value embedded in the current Consolidated Statements of Financial Position of the Company, excluding any value associated with future new business. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Funds Under Management (FUM):</B> A measure of the size of the Company. It represents the total of the invested asset base that the Company and its customers invest in. Funds Under Management consists of the
total of invested assets, Segregated Fund Assets, institutional advisory accounts, mutual fund assets and other funds. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Guarantee Value:</B> Typically
within variable annuity products, the guarantee value refers to the level of the policyholder&#146;s protected account balance which is unaffected by market fluctuations.
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Hedging:</B> The practice of making an investment in a market or financial instrument for the purpose of
offsetting or limiting potential losses from other investments or financial exposures. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:24px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Dynamic Hedging:</B> A hedging technique
which seeks to limit an investment&#146;s market exposure by adjusting the hedge as the underlying security changes (hence, &#147;dynamic&#148;). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:24px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Macro hedging:</B> An investment technique used to offset the risk of an entire portfolio of assets. A macro hedge reflects a more broad-brush approach which is not frequently adjusted to reflect market changes.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Impaired Assets:</B> Mortgages, debt securities and other investment securities in default where there is no longer reasonable assurance of
collection. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Insurance and Investment Contract Liabilities:</B> The amount of money set aside today, together with the expected future premiums and
investment income, that will be sufficient to provide for future expected policyholder obligations and expenses while also providing some conservatism in the assumptions. Expected assumptions are reviewed and updated annually. Insurance and
investment contract liabilities are also referred to as policy liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>International Financial Reporting Standards (IFRS)</B>: Refers to the
international accounting standards in Canada, effective January&nbsp;1, 2011; this was a change from Canadian Generally Accepted Accounting Principles (CGAAP). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>In-Force:</B> Refers to the policies that are currently active. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Long-Term Care (LTC) Insurance:</B> Insurance
coverage available on an individual or group basis to provide reimbursement for medical and other services to the chronically ill, disabled, or mentally challenged. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Minimum Continuing Capital and Surplus Requirements (MCCSR):</B> The ratio of the available capital of a life insurance company to its required capital, each as calculated under the Office of the Superintendent
of Financial Institutions&#146; (OSFI) published guidelines. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>New Business Embedded Value (NBEV):</B> The change in shareholders&#146; economic value
as a result of sales in the period. NBEV is calculated as the present value of expected future earnings, after the cost of capital, on new business using future mortality, morbidity, policyholder behaviour assumptions, and expense assumptions used
in the pricing of the products sold. Investment assumptions are consistent with product pricing, updated to reflect current market conditions. Best estimate fixed income yields are updated quarterly, and long term expected yields for alternative
long-duration assets are typically updated during the annual planning cycle.<B> </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>New Business Strain:</B> The initial expense of writing an
insurance policy that is incurred when the policy is written, and has an immediate negative impact on the Company&#146;s financial position. Over the life of the contract, future income (premiums, investment income, etc.) is expected to repay this
initial outlay. </FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="14%"></TD>
<TD WIDTH="35%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>176</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Glossary of Terms</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Other than Temporary Impairment (OTTI):</B> A write down that is made if the institution does not expect the fair
value of the security to recover prior to its maturity or the expected time of sale. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Premiums and Deposits:</B> A measure of top line growth. The
Company calculates premiums and deposits as the aggregate of (i)&nbsp;general fund premiums net of reinsurance, reported as premiums on the Consolidated Statements of Income, (ii) segregated fund deposits, excluding seed money, (&#147;deposits from
policyholders&#148;), (iii) adding back the premiums ceded related to FDA coinsurance, (iv) investment contract deposits, (v) mutual fund deposits, (vi) deposits into institutional advisory accounts, (vii) premium equivalents for
&#147;administration services only&#148; group benefit contracts (&#147;ASO premium equivalents&#148;), (viii) premiums in the Canadian Group Benefits reinsurance ceded agreement, and (ix) other deposits in other managed funds. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Policyholder Experience:</B> The actual cost in a reporting period from contingent events such as mortality, lapse and morbidity compared to the expected cost in
that same reporting period using best estimate valuation assumptions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Provisions for Adverse Deviation (PfAD):</B> The amounts contained in the
insurance and investment contract liabilities that represent conservatism against potential future deterioration of best estimate assumptions. These Provisions for Adverse Deviation are released into income over time, and the release of these
margins represents the future expected earnings stream. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Return on Common Shareholders&#146; Equity:</B> A profitability measure that presents the net
income available to common shareholders as a percentage of the average capital deployed to earn the income. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Sales</B> are measured according to
product type: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:24px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Individual Insurance:</B> New annualized premiums reflect the annualized premiums expected in the first year of a
policy that requires premium payments for more than one year. Sales are reported gross before the impact of reinsurance. Single premiums are weighted at 10% and consist of the lump sum premium from the sale of a single premium product, e.g. travel
insurance. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:24px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Group Insurance:</B> Sales include new annualized premiums and ASO premium equivalents on new cases, as well as the
addition of new coverages and amendments to contracts, excluding rate increases.
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:24px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Individual Wealth Management:</B> All new deposits are reported as sales. This includes
individual annuities, both fixed and variable; mutual funds; college savings 529 plans; and authorized bank loans and mortgages. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:24px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Group Pensions:</B> New regular premiums reflect an estimate of expected deposits in the first year of the plan with the Company. Single
premium sales reflect the assets transferred from the previous plan provider. Sales include the impact of the addition of a new division or of a new product to an existing client as well as increases in the contribution rate for an existing plan.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Total Annualized Premium Equivalents (APE):</B> APE is comprised of 100&nbsp;per cent of regular premiums/deposits sales and 10&nbsp;per cent of
single premiums/deposits sales, for both insurance and wealth management products. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Total Capital:</B> Capital funding that is both unsecured and
permanent in nature. Comprises of total equity (excluding AOCI on cash flow hedges), liabilities for preferred shares, and capital instruments. For regulatory reporting purposes, the amounts are further adjusted for various additions or deductions
to capital as mandated by the guidelines used by OSFI. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Total Weighted Premium Income (TWPI):</B> TWPI includes 10&nbsp;per cent of single
premiums/deposits, plus 100 percent of first year and renewal premiums/deposits. This applies to general funds, segregated funds and mutual funds. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Universal Life Insurance:</B> A form of permanent life insurance with flexible premiums. The customer may vary the premium payment and death benefit within
certain restrictions. The contract is credited with a rate of interest based on the return of a portfolio of assets held by the Company, possibly with a minimum rate guarantee, which may be reset periodically at the discretion of the Company.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Variable Annuity:</B> Funds are invested in segregated funds (also called separate accounts in the U.S.) and the return to the contract holder
fluctuates according to the earnings of the underlying investments. In some instances, guarantees are provided. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Variable Universal Life
Insurance:</B> A form of permanent life insurance with flexible premiums in which the cash value and possibly the death benefit of the policy fluctuate according to the investment performance of segregated funds (or separate accounts).
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-left:1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Glossary of Terms</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>177</B><B></B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2%"><FONT STYLE="font-family:ARIAL" SIZE="7"><A NAME="tx655598_19"></A>Shareholder Information </FONT></P>
<p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="29%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>MANULIFE FINANCIAL</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">CORPORATION HEAD
OFFICE</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">200 Bloor Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toronto, ON Canada M4W
1E5</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Telephone 416 926-3000</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Fax: 416 926-5454</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Web site: </B>www.manulife.com</FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>ANNUAL AND SPECIAL MEETING OF SHAREHOLDERS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders are invited to attend the annual and special meeting of
Manulife Financial Corporation to be held on May&nbsp;1, 2014 at 11:00 a.m. in the International Room at 200&nbsp;Bloor Street East, Toronto, ON, Canada M4W 1E5</FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>STOCK EXCHANGE LISTINGS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial Corporation&#146;s
common shares are listed on:</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Toronto Stock Exchange (MFC)</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">New York Stock Exchange (MFC)</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Stock Exchange of Hong Kong (00945)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Philippine Stock Exchange (MFC)</FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>INVESTOR RELATIONS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Financial analysts, portfolio managers and other investors requiring financial information
may contact our Investor Relations Department or access our Web site at www.manulife.com.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Fax: 416 926-6285</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">E-mail: investor_relations@manulife.com</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>SHAREHOLDER SERVICES</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For information or assistance regarding your share account, including dividends,
changes of address or ownership, lost certificates, to eliminate duplicate mailings or to receive shareholder material electronically</B>, please contact our Transfer Agents in Canada, the United States, Hong Kong or the Philippines. If you live
outside one of these countries please contact our Canadian Transfer Agent.</FONT></P> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Direct Deposit of Dividends</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholders
resident in Canada, the United States and Hong Kong may have their Manulife common share dividends deposited directly into their bank account. To arrange for this service please contact our Transfer Agents.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Dividend Reinvestment Program</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Canadian and U.S. resident common shareholders may purchase additional common shares without incurring brokerage or administrative fees by reinvesting their cash dividend through participation in Manulife&#146;s
Dividend Reinvestment and Share Purchase Programs. For more information please contact our stock transfer agents: in Canada&nbsp;&#150;&nbsp;CST Trust Company; in the United States&nbsp;&#150;&nbsp;Computershare Inc.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>For other shareholder issues</B> please contact Manulife&#146;s Shareholder Services
Department by calling toll free (within North America) to 1 800 795-9767, ext 221022; from outside North America dial</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">416&nbsp;926-3000, ext 221022;
via</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">fax: 416 926-3503 or via e-mail to shareholder_services@manulife.com</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>More information</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Information about Manulife Financial
Corporation, including electronic versions of documents and share and dividend information is available at anytime online at <B><I>www.manulife.com </I></B></FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>TRANSFER AGENTS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Canada</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">CST Trust Company</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">P.O. Box 700 Station B</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Montreal, QC Canada H3B 3K3</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toll Free: 1 800 783-9495</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Collect: 416 682-3864</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">E-mail: inquiries@canstockta.com</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Online: www.canstockta.com</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="1">CST Trust Company offices are also
located in Toronto, Halifax, Vancouver and Calgary.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>United States</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Computershare Inc.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">P.O. Box 30170</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">College Station, TX 77842-3170</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Toll Free: 1 800 249-7702</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Collect: 201-680-6578</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">E-mail: web.queries@computershare.com</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Online:
www.computershare.com/Investor</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Hong Kong</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Registered Holders:</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Computershare Hong Kong Investor &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Services Limited</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17M Floor, Hopewell Centre</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;183 Queen&#146;s Road East</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Wan Chai, Hong Kong</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Telephone: 852 2862&#150;8555</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Ownership Statement Holders:</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Hongkong and Shanghai
Banking</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporation Limited</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sub-Custody and Clearing</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hong Kong Office</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GPO Box 64 Hong Kong</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Telephone: 852 2288-8355</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Philippines</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The Hongkong and Shanghai Banking</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Corporation Limited</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">HSBC Stock Transfer Unit</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">7th Floor, HSBC Centre</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">3058 Fifth Avenue West</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Bonifacio Global City</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Taguig City, 1634</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Philippines</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Telephone: PLDT 632 581-7595;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">GLOBE 632 976-7595</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>AUDITORS</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Ernst&nbsp;&amp; Young LLP</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Chartered Accountants</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Licensed Public Accountants</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Toronto, Canada</FONT></P></TD></TR>
</TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;
</FONT></P><DIV STYLE="position:relative;float:left; margin-right:1%; width:53%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>DIVIDENDS </B></FONT></P>
<P STYLE="margin-top:3px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Common Share Dividends Paid for 2012 and 2013 </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="25%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Record&nbsp;Date</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Payment&nbsp;Date</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Per&nbsp;Share&nbsp;Amount<BR>Canadian&nbsp;($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Year 2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fourth&nbsp;Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">February&nbsp;26,&nbsp;2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March&nbsp;19,&nbsp;2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Third Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">November&nbsp;19,&nbsp;2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">December&nbsp;19,&nbsp;2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Second&nbsp;Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">August 20, 2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">September&nbsp;19,&nbsp;2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">First Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">May 14, 2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">June 19, 2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Year 2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Fourth Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">February 20, 2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 19, 2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Third Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">November 20, 2012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">December 19, 2012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Second Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">August 21, 2012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">September 19, 2012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">First Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">May 15, 2012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">June 19, 2012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">$&nbsp;&nbsp;0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P></div><br clear="All">
</DIV><DIV STYLE="position:relative;float:right; width:43%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:3px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Common and Preferred Share Dividend Dates in 2014* </B></FONT></P>
<P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividends are not guaranteed and are subject to approval by the Board of Directors. </FONT></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Record date</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Payment date</B></FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Common and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="1">Preferred Shares</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">Preferred&nbsp;Shares</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">February 26, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 19, 2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">March 19, 2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">May 13, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">June 19, 2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">June 19, 2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">August 19, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">September&nbsp;19,&nbsp;2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">September&nbsp;19,&nbsp;2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">November&nbsp;25,&nbsp;2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">December 19, 2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">December 19, 2014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">

<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="13%"></TD>
<TD WIDTH="36%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="1"><B>178</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&nbsp;Financial&nbsp;Corporation&nbsp;2013&nbsp;Annual&nbsp;Report</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1">Shareholder Information</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g655598gr12.jpg" ALT="LOGO">
 </P> <P STYLE="font-family:Times New Roman; font-size:0.5pt"><FONT COLOR="#FFFFFF">ManulifeTM John Hancock Manulife TM MIX Paper from responsible sources forward-thinking strong strong reliable reliable trustworthy
trustworthy forward-thinking FSC www.fsc.org IR3925E FSC C101537 </FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>d655888dex992.htm
<DESCRIPTION>EX-99.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2"><B>Exhibit 99.2 <BR><BR> </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P ALIGN="justify"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_1"></A>Notice of Annual and Special Meeting of Common Shareholders of Manulife
Financial Corporation (the &#147;Company&#148;)</B></FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="27%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="64%"></TD></TR>

<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Date:</B></FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B>Time:</B></FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="2"><B>Place:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">Thursday,&nbsp;May&nbsp;1,&nbsp;2014</FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">11:00&nbsp;a.m.&nbsp;Eastern&nbsp;Time</FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:0.00em"><FONT STYLE="font-family:arial" SIZE="2">Manulife&nbsp;Financial&nbsp;Corporation</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">Head Office</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">200 Bloor
Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">International Room</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Toronto, ON</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="2">Canada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Business of the Annual and Special Meeting of Common Shareholders (the &#147;Meeting&#148;)</B></FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>At the Meeting, Shareholders will be asked to:</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Receive the consolidated financial statements of the Company for the year
ended December 31, 2013, together with reports of the auditor and the actuary on those statements;</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Elect directors of the Company;</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appoint auditors of the Company for 2014;</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consider a special resolution to confirm an amendment to By-Law No. 1 of
the Company establishing the maximum annual aggregate remuneration payable to the Board of Directors in United States dollars;</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Approve the advisory resolution to accept the Company&#146;s approach to
executive compensation disclosed in the Proxy Circular; and</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consider such other business as may properly be brought before the Meeting
or any continuation of the Meeting after an adjournment.</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">By order of the Board of Directors.</FONT></P> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>


<IMG SRC="g655888g29b11.jpg" ALT="LOGO">
</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Stephen P.
Sigurdson</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><I>Corporate Secretary</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">March 11, 2014</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px; margin-left:1%"><FONT STYLE="font-family:arial" SIZE="2"><B>Important </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1%" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">On March&nbsp;11, 2014, the record date for the Meeting, 1,849,145,489 common shares were outstanding and eligible to be voted at the Meeting. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:1%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The full text of the special resolution to confirm the amendment to By-Law No.1 of the Company establishing the maximum annual
aggregate remuneration payable to the Board of Directors in United States dollars is set out on page 7 of the Proxy Circular which is attached to this Notice of Annual and Special Meeting. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:1%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Shareholders who cannot attend the Meeting in person may vote by proxy. Instructions on how to complete and return the proxy form
or voting instruction form are provided with those forms and described in the Proxy Circular. To ensure your vote is counted, proxies must be received by either of the Company&#146;s transfer agents, CST Trust Company or Computershare Inc., no later
than 5:00 p.m. Eastern Time on April&nbsp;29, 2014, or if the Meeting is adjourned, no later than 5:00 p.m. Eastern Time on the second business day preceding the day to which the Meeting is adjourned. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>4
<FILENAME>d655888dex993.htm
<DESCRIPTION>EX-99.3
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.3</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2"><B>Exhibit 99.3 <BR><BR> </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655868g65j50.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:72px;margin-bottom:0px; text-indent:1%"><FONT STYLE="font-family:arial" SIZE="6"><B>PROXY CIRCULAR </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:1%"><FONT
STYLE="font-family:arial" SIZE="3">Annual and Special Meeting &#150; May&nbsp;1, 2014 </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:0.38em"><FONT STYLE="font-family:arial" SIZE="5"><B>Invitation to Shareholders</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:0.60em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Dear Shareholder:</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:0.60em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">On behalf of the Board of Directors, management and employees, we invite you to attend the Annual and Special Meeting of
shareholders of Manulife Financial Corporation on May&nbsp;1, 2014 at 11:00 a.m. Eastern Time. This meeting will be combined with the Annual and Special Meeting of policyholders and the shareholder of The Manufacturers Life Insurance
Company.</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:0.60em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">This is your opportunity
to vote on a number of important matters which are described in the Notice of Annual and Special Meeting and the Proxy Circular. At the meeting, you will also have the opportunity to hear about the Company&#146;s financial performance in 2013 and
highlights of the Company&#146;s results for the first quarter of 2014.</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:0.60em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">We hope you will be able to attend the meeting in person. It will be an opportunity for us to speak with you about your Company and for you to meet the directors and executives. If you are unable to attend in
person, we encourage you to vote by following the instructions on the proxy form or voting instruction form. A live webcast of the meeting will be available through our website at www.manulife.com starting at 11:00 a.m. Eastern Time.</FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:0.60em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">We look forward to seeing you at the
meeting.</FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD></TR>


<TR>
<TD HEIGHT="49"></TD>
<TD HEIGHT="49" COLSPAN="2"></TD>
<TD HEIGHT="49" COLSPAN="2"></TD>
<TD HEIGHT="49" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:0.67em" ALIGN="justify">


<IMG SRC="g655868g29r80.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify">


<IMG SRC="g655868g88z23.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:0.60em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Richard B. DeWolfe</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Donald A. Guloien</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:0.60em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><I>Chairman of the Board of Directors</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2"><I>President and Chief Executive Officer</I></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:0.60em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">March&nbsp;11, 2014</FONT></P>
<P STYLE="font-size:24px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <div style="width:100%;margin-left:0%; margin-right:0%;border:solid 1pt;background-color:#000000;padding-top:2px;padding-bottom:3px"> <P STYLE="margin-top:4px;margin-bottom:0px; margin-left:1%;margin-right:1%"><FONT
STYLE="font-family:arial" SIZE="2"></FONT><FONT STYLE="font-family:arial" SIZE="2" COLOR="#ffffff"><B><FONT STYLE="font-family:arial" SIZE="2" COLOR="#ffffff"></FONT><FONT STYLE="font-family:arial" SIZE="2" COLOR="#ffffff">IMPORTANT INFORMATION FOR
SHAREHOLDERS. </FONT></B></FONT><FONT STYLE="font-family:arial" SIZE="2" COLOR="#ffffff">YOUR PARTICIPATION IS IMPORTANT. PLEASE TAKE A MOMENT TO VOTE.</FONT><FONT STYLE="font-family:arial" SIZE="2" COLOR="#ffffff"><B> </B></FONT></P></div>
<P STYLE="margin-top:30px;margin-bottom:0px; margin-left:1%;margin-right:1%"><FONT STYLE="font-family:arial" SIZE="3"><B>MANULIFE FINANCIAL CORPORATION </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:1%;margin-right:1%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">This Document Contains: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Notice of Annual and Special Meeting </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Proxy Circular </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="95%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>


<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="toc"></A>Table of Contents</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655868_1">Notice
 of Annual and Special Meeting of Common Shareholders of Manulife Financial Corporation</A></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A HREF="#tx655868_2">Proxy
 Circular </A></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_3">Voting Information</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_4">Business of the Meeting</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_5">Board Succession and Director Nominee Expertise</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_6">Nominees for the Board of Directors</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_7">Director Nominee Information</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_9">Director Attendance</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_10">Summary of Board and Committee Meetings Held in 2013</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_11">Attendance of Retiring Directors</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_8">Director Independence and Committee Membership</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_12">Director Compensation</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_13">Committee Reports:</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_14">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Report of the Corporate Governance and Nominating
Committee</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_15">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Report of the Audit Committee</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_16">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Report of the Risk Committee</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_17">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Report of the Management Resources and Compensation
Committee</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_18">To Our Shareholders</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_19">Executive Compensation:</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_18a">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Executive Summary </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_20">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Discussion and Analysis</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.78em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_21"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="2"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Program Objectives, Philosophy and Principles</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.78em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_22"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="2"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Compensation Program</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.78em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_23"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="2"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013 Performance and Incentive Plan Results</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.78em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_24"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="2"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Named Executive Officers&#146; Compensation</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.78em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_25"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="2"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Governance</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.78em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_26"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="2"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Decision Process</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.78em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_27"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="2"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Managing Risk Associated with Compensation</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_28">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Summary Compensation Table</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_29">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Outstanding Share-Based Awards and Option-Based
Awards</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_30">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Incentive Plan Awards &#150; Value Vested or Earned During the
Year</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_31">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Performance Graph</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_32">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Additional Disclosure</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_33">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Pension Plans</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_34">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Termination and Change in Control Benefits</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_35">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Securities Authorized for Issuance Under Equity Compensation
Plans</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_36">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Directors&#146; and Executive Officers&#146;
Indebtedness</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_37">Additional Items:</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_38">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Directors&#146; and Officers&#146; Insurance</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_39">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Additional Information</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_40">&#149;&nbsp;&nbsp;&nbsp;&nbsp;2013 Annual Report</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_41">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Performance and Non-GAAP Measures</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_42">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Directors&#146; Approval</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B><A HREF="#tx655868_43">Statement of Corporate Governance Practices</A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.11em; text-indent:-1.89em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><A HREF="#tx655868_44">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Appendix 1 &#150; Board of Directors&#146; Mandate</A></FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="2">79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:0%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B><I>NOTE:&nbsp;&nbsp;&nbsp;&nbsp;Information contained in, or otherwise accessible through,
websites mentioned in the Notice of Annual and Special Meeting and Proxy Circular does not form a part of this document. </I></B></FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>2</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P ALIGN="justify"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_1"></A>Notice of Annual and Special Meeting of Common Shareholders of Manulife
Financial Corporation (the &#147;Company&#148;)</B></FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="27%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="64%"></TD></TR>

<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Date:</B></FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2"><B>Time:</B></FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="2"><B>Place:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">Thursday,&nbsp;May&nbsp;1,&nbsp;2014</FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">11:00&nbsp;a.m.&nbsp;Eastern&nbsp;Time</FONT></P>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:0.00em"><FONT STYLE="font-family:arial" SIZE="2">Manulife&nbsp;Financial&nbsp;Corporation</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">Head Office</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">200 Bloor
Street East</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">International Room</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Toronto, ON</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="2">Canada</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Business of the Annual and Special Meeting of Common Shareholders (the &#147;Meeting&#148;)</B></FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>At the Meeting, Shareholders will be asked to:</B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Receive the consolidated financial statements of the Company for the year
ended December 31, 2013, together with reports of the auditor and the actuary on those statements;</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Elect directors of the Company;</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appoint auditors of the Company for 2014;</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consider a special resolution to confirm an amendment to By-Law No. 1 of
the Company establishing the maximum annual aggregate remuneration payable to the Board of Directors in United States dollars;</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Approve the advisory resolution to accept the Company&#146;s approach to
executive compensation disclosed in the Proxy Circular; and</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consider such other business as may properly be brought before the Meeting
or any continuation of the Meeting after an adjournment.</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">By order of the Board of Directors.</FONT></P> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>


<IMG SRC="g655868g29b11.jpg" ALT="LOGO">
</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Stephen P.
Sigurdson</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><I>Corporate Secretary</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">March 11, 2014</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px; margin-left:1%"><FONT STYLE="font-family:arial" SIZE="2"><B>Important </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1%" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">On March&nbsp;11, 2014, the record date for the Meeting, 1,849,145,489 common shares were outstanding and eligible to be voted at the Meeting. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:1%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The full text of the special resolution to confirm the amendment to By-Law No.1 of the Company establishing the maximum annual
aggregate remuneration payable to the Board of Directors in United States dollars is set out on page 7 of the Proxy Circular which is attached to this Notice of Annual and Special Meeting. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:1%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Shareholders who cannot attend the Meeting in person may vote by proxy. Instructions on how to complete and return the proxy form
or voting instruction form are provided with those forms and described in the Proxy Circular. To ensure your vote is counted, proxies must be received by either of the Company&#146;s transfer agents, CST Trust Company or Computershare Inc., no later
than 5:00 p.m. Eastern Time on April&nbsp;29, 2014, or if the Meeting is adjourned, no later than 5:00 p.m. Eastern Time on the second business day preceding the day to which the Meeting is adjourned. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>3</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_2"></A>Management Proxy Circular</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_3"></A>Voting Information</B></FONT></TD></TR>
</TABLE>
<P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2"><B>Who May Vote </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">You are entitled to vote at the Annual and Special Meeting (the &#147;Meeting&#148;) if you were a holder of common shares
(&#147;Common Shares&#148;) of Manulife Financial Corporation (the &#147;Company&#148; or &#147;Manulife&#148;) at the close of business on March&nbsp;11, 2014. Each Common Share is entitled to one vote, subject to the Voting Restrictions noted
below. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2"><B>Voting Restrictions </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Common Shares cannot be voted either in person or by proxy if they are beneficially owned by: </FONT></P> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Any person who has acquired more than 10% of any class of shares of the Company without the approval of the Minister of Finance (Canada);
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Government of Canada or a provincial government or any of their agencies; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The government of a foreign country or any political subdivision or any of their agencies; however: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="21"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="14" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">shares held by an eligible agent with the approval of the Minister of Finance (Canada) can be voted; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="21"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="14" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">shares beneficially owned by a foreign institution or by an entity controlled by the foreign institution that is controlled by the government of a foreign
country or any political subdivision or any of their agencies can be voted. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In addition, no person
and no entity controlled by any person may cast votes in respect of any Common Shares beneficially owned by the person or the entity that represent, in the aggregate, more than 20% of the eligible votes that may be cast. </FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2"><B>About Voting </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">How you vote depends on whether you are a registered or non-registered shareholder. Please follow the instructions below based on
whether you are a registered or non-registered shareholder. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Registered Shareholder </B>- You are a <B>registered
shareholder</B> if your Common Shares are registered in your name and: </FONT></P> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="13" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">You have a share certificate; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="13" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">You hold your Common Shares through direct registration in the United States. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Non-Registered Shareholder</B> - You are a <B>non-registered shareholder</B> if: </FONT></P>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="13" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">You received (and continue to hold) a Share Ownership Statement issued when The Manufacturers Life Insurance Company (&#147;Manufacturers Life&#148;)
demutualized and you have not requested a share certificate; or
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="13" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Your Common Shares are registered in the name of an intermediary (for example, a bank, a trustee or a securities broker) or in the name of a depository of
which the intermediary is a participant. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you are a non-registered shareholder who has requested
meeting materials, you will receive a package from the intermediary who holds your Common Shares that will contain either: </FONT></P> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A proxy form for the number of Common Shares beneficially owned by you, but which is otherwise incomplete (the proxy form may be signed by the intermediary,
but will be unsigned if you hold a Share Ownership Statement); or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A voting instruction form. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2">Carefully follow the instructions that accompany the proxy form or voting instruction form. </FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you are a non-registered shareholder in Hong Kong or the Philippines and your Common Shares are held by a broker, you may not
receive a proxy form or a voting instruction form. You should contact your broker if you wish to vote. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2"><B>How to Vote - Registered
Shareholders </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2">As a registered shareholder, you may vote in person at the Meeting or by proxy. </FONT></P>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Attend the Meeting</B> &#150; You may attend the Meeting and vote in person. To vote Common Shares registered in the name of a corporation, the corporation
must have submitted a properly executed proxy to our transfer agent, CST Trust Company (&#147;CST Trust&#148;) or Computershare Inc. (&#147;Computershare&#148;), authorizing you to do so. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>By Proxy</B> &#150; If you do not plan to attend the Meeting in person, you may vote by proxy in one of two ways: </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="38"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="24" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">By authorizing the management representatives of the Company named in the proxy form to vote your Common Shares. You may convey your voting instructions by:
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="61"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Internet &#150; Go to the website indicated on the proxy form and follow the instructions; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="61"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Telephone (North America) &#150; Call the toll free number indicated on the proxy form and follow the voice instructions; or </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="61"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mail &#150; Complete the proxy form in full, sign and return it in the envelope provided.
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>4</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>You have the right to appoint some other person or company to attend the Meeting and vote your Common Shares on your behalf.</B> You may do this either by:
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="47"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Internet &#150; Go to the website indicated on the proxy form and follow the instructions; or </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="47"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mail &#150; Print your appointee&#146;s name in the blank space on the proxy form and indicate how you would like your Common Shares voted. Complete the proxy
form in full, sign and return it in the envelope provided. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:9px;margin-bottom:0px; margin-left:24px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you appoint someone other than the
management representatives to vote your Common Shares, your votes can only be counted if your appointee attends the Meeting and votes on your behalf. If you choose this option, complete the proxy form in full, sign (if unsigned by the intermediary)
and return it as instructed on the proxy form. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>How to Vote - Non-Registered Shareholders </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">As a non-registered shareholder, you may vote in person at the Meeting or by proxy. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Attend the Meeting </B></FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you hold a Share Ownership Statement, simply attend the Meeting and vote; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you received a proxy form from your intermediary, insert your name in the blank space provided on the form, sign the proxy form if it has not been signed
by the intermediary and return the completed proxy form in the enclosed envelope. When you arrive at the Meeting, you should advise the staff that you are a proxy appointee; or </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you received a voting instruction form, follow the instructions on it. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>By Proxy </B></FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you hold a Share Ownership Statement or if you received a proxy form from your intermediary and do not plan to attend the Meeting in person, you may vote
by proxy. If you choose this option, refer to paragraph 2(a) or paragraph 2(b) under the heading &#147;How to Vote - Registered Shareholders - By Proxy&#148;; or </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you received a voting instruction form, follow the instructions on it. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><I>To ensure that your vote is recorded, your proxy must be received by CST Trust or Computershare no later than 5:00&nbsp;p.m. Eastern Time on
Tuesday, April&nbsp;29, 2014 or, if the Meeting is adjourned, no later than 5:00 p.m. Eastern Time on the second business day before the day to which the Meeting is adjourned.
</I></FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Appointing a Proxyholder </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">By properly completing and returning a proxy form or voting instruction form appointing a person as your proxy, you are authorizing the person named in the form to attend the Meeting and to vote your Common Shares.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In connection with any ballot that may be conducted, the Common Shares represented by your proxy form or voting instruction form will
be voted or withheld from voting as you instruct in the form and, if you specify a choice with respect to any matter to be acted upon, your Common Shares will be voted accordingly. If you have not specified how to vote on a particular matter, if any
amendments are proposed to any matter, or if other matters are properly brought before the Meeting, then your proxyholder can vote your Common Shares as your proxyholder sees fit on these matters. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you properly complete and return your proxy form or voting instruction form appointing management as your proxy, but do not specify how you wish
the votes cast, your Common Shares will be voted as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>FOR</B> the election of the director nominees set out in this Proxy Circular; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>FOR</B> the appointment of auditors; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>FOR</B> the special resolution confirming an amendment to By-Law No.&nbsp;1 of the Company expressing the maximum annual aggregate remuneration payable to
the Board of Directors in United States dollars; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>FOR</B> the advisory resolution accepting the Company&#146;s approach to executive compensation disclosed in this Proxy Circular; and
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>FOR</B> management&#146;s proposals generally. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Revoking a Proxy </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">If you wish to revoke your vote on or before April&nbsp;29, 2014, you may do
so by re-voting. Thereafter, you may revoke your vote by delivering a written statement, signed by you or your authorized attorney to: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate Secretary of the Company at 200 Bloor Street East, North Tower 10, Toronto, ON, Canada, M4W&nbsp;1E5 at any time up to and including
April&nbsp;30, 2014, or the business day preceding the day to which the Meeting is adjourned; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chair of the Meeting prior to the commencement of the Meeting on the day of the Meeting or the day to which the Meeting is adjourned.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Solicitation of Proxies </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Your proxy is being solicited on behalf of the management of the Company. The solicitation will be primarily by mail, but may also be made by telephone and in writing. The Company may use the services of an outside
proxy solicitation agency to solicit proxies. The cost of such services, estimated at $75,000, would be paid by the Company.
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>5</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Confidentiality </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Your vote is confidential. The Company&#146;s transfer agents maintain the confidentiality of the votes and do not disclose individual shareholder votes or proxies to the Company unless a shareholder has made
comments clearly intended for management or as may be required to comply with the law. The Company&#146;s transfer agents provide the Company with a status report on the total number of proxies received and the votes cast in respect of each item of
business to be considered at the Meeting. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Voting Results </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Following the Meeting, a report on the voting results will be available on the Company&#146;s website at www.manulife.com (About Manulife: Corporate Governance) and will be filed with Canadian Securities
Administrators at www.sedar.com. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Number of Common Shares Outstanding </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">As of the record date, March 11, 2014, there were 1,849,145,489 Common Shares outstanding. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Subject to
the Voting Restrictions previously referred to, the number of Common Shares outstanding equals the number of eligible votes. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">No person
or company is known to beneficially own, directly or indirectly, or exercise control or direction over voting securities carrying more than five per cent of the voting rights attached to any class of shares of the Company. </FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Procedure for Submitting a Shareholder Proposal for the Company&#146;s Next Annual Meeting to be Held in 2015 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The final date for submitting shareholder proposals to the Company is December&nbsp;11, 2014. </FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s governing legislation, the <I>Insurance Companies Act </I>(Canada) (the<I> &#147;</I>Act&#148;), addresses the rights of
shareholders to submit a proposal and the obligations of the Company in respect of proposals submitted. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The right of a shareholder to
submit a proposal is subject to certain conditions set forth in the Act. The Company must attach any shareholder proposal complying with the requirements of the Act to the Notice of Meeting, together with a statement in support of the proposal from
the shareholder, if requested. Under the Act, a shareholder proposal must be received at least 90 days before the anniversary date of the Notice of Meeting sent to shareholders in respect of the Company&#146;s previous annual meeting. </FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Send all proposals in writing to: </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Corporate Secretary
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Manulife Financial Corporation </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">200 Bloor Street East,
North Tower 10 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Toronto, ON </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">M4W 1E5 </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Fax: 416-926-3041
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Questions </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">If you have any questions regarding the Meeting, please contact CST Trust, Computershare or the authorized agent nearest you: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">Canada:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2">CST&nbsp;Trust&nbsp;Company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">1-800-783-9495</FONT></TD></TR>
<TR>
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">United&nbsp;States:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">Computershare Inc.</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">1-800-249-7702</FONT></TD></TR>
<TR>
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">Hong&nbsp;Kong:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2"><U>Registered Shareholders</U></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">Computershare Hong Kong Investor</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">Services Limited</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">852-2862-8555</FONT></TD></TR>
<TR>
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2"><U>Share Ownership Statement Holders</U></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">The Hongkong and Shanghai Banking</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">Corporation</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">852-2288-8355</FONT></TD></TR>
<TR>
<TD HEIGHT="9"></TD>
<TD HEIGHT="9" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">Philippines:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">The Hongkong and Shanghai Banking Corporation Limited</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT
SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:arial" SIZE="2">PLDT:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:arial" SIZE="2">632-581-7595</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="2">GLOBE:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:arial" SIZE="2">632-976-7595</FONT></TD></TR>
</TABLE> </DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>6</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_4"></A>Business of the Meeting</B></FONT></TD></TR>
</TABLE>
<P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="27" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><B>Receipt of the Consolidated Financial Statements </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">To receive the consolidated financial statements of Manulife Financial Corporation (the &#147;Company&#148; or &#147;Manulife&#148;) for the year ended December&nbsp;31, 2013, together with the reports of the
auditor and the actuary on those statements. </FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="27" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><B>Election of Directors </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The
14 nominees for election to the Company&#146;s Board of Directors (the &#147;Board&#148;) and their biographies are listed in the section &#147;Nominees for the Board of Directors&#148;. All of the nominees are currently directors of the Company.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Each successful nominee will be elected to the Board for a term of one year, which expires at the Company&#146;s annual
meeting in 2015. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Directors&#146; attendance at Board and committee meetings held in 2013 is shown in the chart for each
director nominee in the &#147;Nominees for the Board of Directors&#148; section. </FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="27" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>3.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><B>Appointment of Auditors </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The
Board proposes that the firm of Ernst&nbsp;&amp; Young LLP (&#147;Ernst&nbsp;&amp; Young&#148;) be appointed as auditor for the 2014 fiscal year. Ernst&nbsp;&amp; Young has served as the Company&#146;s auditor for more than five years. For 2013,
fees charged by Ernst&nbsp;&amp; Young to the Company and its subsidiaries were <B>$</B>28.6 million, compared with $29.8 million in 2012. </FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom" WIDTH="28%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="28%"></TD>
<TD></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Year&nbsp;ended&nbsp;&nbsp;</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>December&nbsp;31,&nbsp;2013&nbsp;&nbsp;</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>($ in millions)&nbsp;&nbsp;</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Year
ended&nbsp;&nbsp;</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>December&nbsp;31,&nbsp;2012&nbsp;&nbsp;</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ in millions)&nbsp;&nbsp;</B></FONT></P></TD></TR>


<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Audit fees<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$25.5</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$25.9</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Audit-related fees<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1.7</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1.9</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Tax fees<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$0.3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$0.4</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">All other fees<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1.1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1.6</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$28.6</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$29.8</B></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="17" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Includes the audit of the financial statements of the Company as well as the financial statements of its subsidiaries and segregated and separate funds,
audits of statutory filings, prospectus services, <I>Sarbanes-Oxley Act of 2002</I> attestations, reviews of quarterly reports and regulatory filings. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="17" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Includes reviews of product filing registration statements, consultation concerning financial accounting and reporting standards, and due diligence in
connection with proposed or consummated transactions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="17" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Includes tax compliance, tax planning and tax advice services. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="17" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Includes information security and other advisory services. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company has complied with applicable rules regulating the provision of non-audit services to the Company by its independent
auditor. All audit and <FONT STYLE="white-space:nowrap">non-audit</FONT> services provided to the Company by Ernst&nbsp;&amp; Young have been pre-approved by the Audit Committee. The Audit Committee has reviewed the magnitude and nature of these
services to ensure that they are compatible with maintaining the independence of the independent auditor. </FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="27" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>4.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><B>Confirmation of an Amendment to By-Law No.1 </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">On February&nbsp;13, 2014, in order to facilitate the recruitment of directors globally, the Board approved an amendment to By-Law No.&nbsp;1 of the Company (referred to in By-Law No.1 as the
&#147;Corporation&#148;) establishing the
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
maximum annual aggregate remuneration payable to the Board in United States dollars. This would enable the Company to establish the directors&#146; remuneration in United States dollars without
exceeding the maximum annual aggregate remuneration payable in the event of currency fluctuations. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">As a company with a
significant global presence, it is desirable that the Board also reflect that geographic diversity. Payment of directors&#146; remuneration in United States dollars, a global currency, will facilitate the Company&#146;s ability to attract and retain
directors globally and be competitive with other large global financial institutions with comparable scope and complexity. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">As disclosed on page 22 under &#147;Director Compensation&#148;, amounts are paid in respect of services to both the Company and The Manufacturers Life Insurance Company, the cost of which is shared equally between
the two companies. All Board and committee meetings of the two companies are held concurrently. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The amendment approved
by the Board is as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#147;1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Section&nbsp;2.4 of By-Law No.&nbsp;1 of the Company is amended by deleting the reference to &#147;$2,000,000&#148; and replacing it with a reference to
&#147;US$2,000,000&#148; as follows: </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">&#147;The aggregate remuneration payable to directors each year for their services as directors shall not exceed US$2,000,000. This amount may be apportioned
among the directors on such basis as the directors may determine, together with such further amount as may be necessary to reimburse the directors for their reasonable expenses properly incurred in respect of the services to the Corporation in that
capacity.&#148; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The submission of the foregoing amendment to <FONT STYLE="white-space:nowrap">By-Law</FONT> No.&nbsp;1 to the shareholders of the Company entitled to vote
thereon for approval at the next meeting of shareholders of the Company is hereby authorized and approved; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The proper officers of the Company are hereby authorized to sign and deliver for and on behalf of the Company all such documents and instruments and to do all
such other acts and things as may be necessary or desirable to give effect to the foregoing resolution.&#148; </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">To be effective, this amendment must be confirmed by special resolution of the shareholders. This special resolution requires the affirmative vote of not less than two-thirds of the votes cast by holders of Common
Shares present in person or represented by proxy. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2"><B>The Board recommends that shareholders vote FOR the following special resolution:
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>RESOLVED THAT:</B>The amendment to By-Law No.&nbsp;1 of the Company establishing the maximum annual aggregate
remuneration payable to the Board in United States dollars is hereby confirmed. </FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>7</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="27" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><B>5.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><B>Shareholder Advisory Vote on the Approach to Executive Compensation </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board believes that shareholders should have the opportunity to fully understand the objectives, philosophy and principles the Board has used to make executive compensation decisions and to have an advisory
vote on the Board&#146;s approach to executive compensation. As a result, shareholders will have a non-binding, advisory vote on the Company&#146;s executive compensation policy at the Annual and Special Meeting in 2014, as it has done at each of
the past four annual meetings. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">To assist you in making your voting decision, we refer you to the Compensation
Discussion and Analysis (&#147;CD&amp;A&#148;) starting at page 31. The CD&amp;A describes the Board&#146;s approach to executive compensation, the details of the compensation program and the Board&#146;s compensation decisions in 2013. This
disclosure has been approved by the Board on the recommendation of the Management Resources and Compensation Committee. If there are specific concerns you wish to discuss, you may contact the Board by writing to the Chairman of the Board in care of
the Corporate Secretary of the Company at the address below or by email as indicated on our website at: corporate_governance@manulife.com: </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Chairman of the Board </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">c/o The Corporate Secretary </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife Financial Corporation </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">200 Bloor Street East </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">North Tower 10 </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Toronto, ON </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">M4W 1E5 </FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px"><FONT STYLE="font-family:arial" SIZE="2"><B>The Board recommends that shareholders vote FOR the following advisory resolution:
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">&#147;Resolved, on an advisory basis and not to diminish the role and responsibilities of the Board, that the
shareholders accept the approach to executive compensation disclosed in the Proxy Circular delivered in advance of the 2014 Annual and Special Meeting of Common Shareholders.&#148; </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">As this vote will be an advisory vote, the results will not be binding. However, the Board will take the results of the vote into
account, as appropriate, together with feedback received from shareholders in its other engagement activities, when considering future compensation policies, procedures and decisions. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The results of the shareholder advisory vote will be disclosed as part of the report on vote results for the Meeting. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In the event that a significant number of shareholders oppose the resolution, the Board will communicate with certain of its
shareholders (particularly those who are known to have voted against it) to understand their concerns and will review the Company&#146;s approach to compensation in the context of those concerns. Shareholders who have voted against the resolution
will be encouraged to contact the Board to discuss their specific concerns. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><I>Note: </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><I>All figures reported in this Proxy Circular are in Canadian currency, unless otherwise indicated.
</I></FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>8</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">

<TR>
<TD WIDTH="98%"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_5"></A>Board Succession and Director Nominee Expertise</B></FONT></TD></TR></TABLE>
<p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;
</FONT></P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Succession Process </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Corporate Governance and Nominating Committee engages in the following process to identify the diversity of director experience that, in the Board&#146;s view, will assist the Company in meeting its global
strategic objectives, and to select director candidates with this expertise: </FONT></P> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Recommends competencies and experience, taking into consideration the Company&#146;s strategic focus and emerging issues, and continuously reviews these
requirements to meet the Company&#146;s changing needs. Identifying the selection criteria and any identified gaps in advance allows the Board flexibility to move quickly when excellent qualified individuals become available, and to deliberately
recruit against these specifications. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="11" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Maintains an evergreen list of potential candidates who meet the experience criteria. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">(See the &#147;Statement of Corporate Governance Practices &#150; Nomination of Directors&#148; section on page 73 for a detailed description of the
process.) </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Renewal </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">For the
last several years the Board has been engaged in a Board renewal process under the leadership of the Chairman of the Board and the Corporate Governance and Nominating Committee to replace several retiring directors. As part of this process, the
Board, together with the Corporate Governance and Nominating Committee, regularly considers the size of the Board (see &#147;Statement of Corporate Governance Practices &#150; Board Size and Quorum&#148; section on page 73 for the factors considered
in this determination) and 14 candidates have been nominated for election to the Board at the Meeting. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Term Limits </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">To balance the benefits of experience and the need for renewal and new perspectives, the Board has established term limits for independent directors
to replace the mandatory retirement age previously in effect. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Independent directors will not be nominated for re-election at an annual
meeting after reaching 12 years of service on the Board. To enable the transition from a mandatory retirement age to term limits, independent directors who, as of the date of the Meeting, have reached at least 12 years of service but have not
reached the age of 72 may be recommended for re-election for additional one-year terms for up to five years. For other independent directors, in exceptional circumstances, the Board also has the discretion to recommend them for re-election for
additional one-year terms for up to three years following the expiry of the initial 12-year term. The Chairman of the
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
Board may serve a full five-year term as Chairman regardless of number of years of service on the Board. </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">(See also &#147;Statement of Corporate Governance Practices &#150; Board Term Limits&#148; section on page 74 for a detailed description of the term limits.) </FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Board Diversity </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Diversity of Board members is the result of the extensive search for potential
directors whose backgrounds fit the Company&#146;s strategic objectives and business challenges. The Corporate Governance and Nominating Committee considers gender, ethnic background, geographic representation and other personal characteristics that
contribute to diversity amongst board members recognizing that it is the skills, experience and integrity that are most important in assessing candidates and their potential contributions. </FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate Governance and Nominating Committee, in actively managing the Board succession, has retained an executive search firm to provide
guidance and assistance in considering expanded sources for director talent. The committee analyzed the experience and competencies of the retiring directors and the changing needs of the Company and recommended that in addition to having integrity,
good judgment, financial knowledge and sufficient time available, candidates&#146; experience include the critical and diverse competencies referred to in the &#147;New Directors&#146; Experience&#148; chart below. </FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The result of this renewal process was the appointment of ten new directors over the past five years, nine of whom remain on the Board. These nine
directors, of which one is a resident of Singapore and four are women, have the diversity of skills and expertise noted below.
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>New Directors&#146; Experience </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD HEIGHT="35" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="35" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Areas of Director<BR>Experience</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Joseph Caron </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Susan Dabarno </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Sheila Fraser </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Tsun-yan Hsieh </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Donald Lindsay </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>John Palmer </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>James Prieur </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Andrea Rosen </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Lesley Webster </B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Senior Executive</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Human Resources</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Financial</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Global
Financial,</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Investments</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Risk Management</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Asia</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Public
Sector</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>9</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="3"><B>Experience Matrix </B></FONT></P> <P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The following table identifies the diverse experience of the Board and individual nominees in those areas identified by the Board as being important for the Company. </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR>
<TD HEIGHT="20" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="20" COLSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Areas&nbsp;of&nbsp;Director&nbsp;Experience</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Identified&nbsp;by the Board as Necessary For<BR>the Board of a Global Financial Services<BR>Company</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Joseph Caron </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>John Cassaday </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Susan Dabarno </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Richard DeWolfe </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Sheila Fraser </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Donald Guloien </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Scott Hand </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Luther Helms </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Tsun-yan Hsieh </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Donald Lindsay </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>John Palmer </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>James Prieur </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Andrea Rosen </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Lesley Webster </B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Senior Executive (All)</B></FONT></P>
<P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Broad business experience as a senior officer or chair of the board of a major organization
(public, private, non-profit)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Other Directorships </B><B>(Majority)</B></FONT></P>
<P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Director of a major organization</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Sector (Minimum 2)</B></FONT></P>
<P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Including a Crown Corporation, educational institution, or any other non-commercial
organization</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Financial Experience<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"> </SUP>(Majority)</B></FONT></P> <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Based on the definitions of financial literacy or expert for members of the Audit Committee under securities laws</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Risk Management Experience (Minimum 4)</B></FONT></P>
<P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Experience in identifying principal risks of an organization and the oversight or management of
risk management system - may have been gained as a CEO, risk management executive or member of a board risk committee of a public company</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Global Financial Services Executive, Knowledge of
Investment Management (Minimum 4)</B></FONT></P> <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Experience in the financial services industry
or experience overseeing complex financial transactions and investment management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Operations/Governance</B></FONT></P>
<P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Experience gained through direct involvement with business or regulatory operations:
</FONT></P> <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.00em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<B>Asia
(Minimum 3)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.00em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<B></B><B>Canada
(Minimum 4)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.00em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;<B></B><B>U.S.
(Minimum 4)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT>
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Human Resources Management&nbsp;&amp; Executive
Compensation (Minimum 3)</B></FONT></P> <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Experience overseeing compensation design either as a
CEO, CFO, senior human resources executive or consultant, or member of a board compensation committee of a public company</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>
</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS"></FONT></FONT><FONT STYLE="font-family:arial" SIZE="1">
</FONT>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>10</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_6"></A>Nominees for the Board of Directors</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px; margin-left:1%;margin-right:1%;padding-bottom:0px; " ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following individuals are the nominees for election to the
Board. Information regarding the nominees relating to their independence, year first elected or appointed as a
director</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2">, term limit</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2">, previous year&#146;s voting results, age, municipality and country of residence, principal occupation, education, areas of
expertise, committee memberships, meeting attendance and public board memberships</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT><FONT
STYLE="font-family:arial" SIZE="2"> is provided in the biographical charts below. Also indicated for each nominee are the number of Company Common Shares (&#147;Common Shares&#148;)</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> held by the nominee, the number of Deferred Share Units (&#147;DSUs&#148;)</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> held by the nominee under the Stock Plan for Non-Employee Directors (see description of Stock Plan for <FONT
STYLE="white-space:nowrap">Non-Employee</FONT> Directors under Director Compensation on page 21), the total value of the nominees&#146; equity in the Company</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> and whether the nominee meets the minimum equity ownership requirements</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> (see Directors&#146; Equity Ownership Guidelines under Director Compensation on page <B></B>21). All successful nominees for the
Board are elected for a term of one year, expiring at the next annual meeting. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_7"></A>Director Nominee Information</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>

<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Richard B. DeWolfe</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868g49e14.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since: </I></B>&nbsp;&nbsp;2004<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>2018<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP><B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:</I></B>&nbsp;&nbsp;92.76%<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age: </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;69<B><I></I></B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I></I></B>Westwood, MA United States<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior
Executive</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;U.S. Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Richard DeWolfe is Chairman of the Board, a position he has held since May 2, 2013. Mr.&nbsp;DeWolfe is also Managing Partner of DeWolfe &amp; Company, LLC, a real estate management and investment consulting firm.
He was formerly Chairman and CEO of The DeWolfe Companies, Inc., the largest homeownership organization in New England, which was previously listed on the American Stock Exchange and acquired by Cendant Corporation in 2002.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. DeWolfe is a director of Massachusetts General Hospital,
President&#146;s Council, a Trustee Emeritus of Boston University, and an honorary director of The Boston Center for Community and Justice. He is also a member of the Wilson Center&#146;s Canada Institute Advisory Board.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">He was formerly a director of Avantair, Inc., Chairman and Founder
of Reliance Relocation Services, Inc. and Chairman of the Board of Trustees, Boston University.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Mr. DeWolfe holds a BAS, Marketing and Finance from Boston University and an Executive Masters Professional Director Certification from the American College of Corporate Directors, a public company director
education and credentialing organization.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Overall
Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" NOWRAP STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During Last Five
Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors (Chairman)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Audit</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Corporate Governance &amp; Nominating</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Risk</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">2 of 2</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">3 of 3</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">2 of 2</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Avantair, Inc.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2009 - August
2013<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">10</SUP></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities
Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares<BR>and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">Shares and DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity<BR>Ownership<BR>&nbsp;Requirement</FONT>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Met&nbsp;(<FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">88,025<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">102,025</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$2,188,436</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;
</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">76,214</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">90,214</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1,398,317</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:50px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:15%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">&#147;Director Since&#148; refers to the year the director was first elected to either the Board of the Company or Manufacturers Life. When Manufacturers Life
demutualized in 1999, it became a wholly-owned subsidiary of the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&#147;Term Limit&#148; refers to the year in which independent directors would not
be eligible for re-election at the annual meeting unless, in exceptional circumstances, approved by the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The Board does not allow its directors to serve on the same board of another company, unless such interlock is approved by the Corporate Governance and
Nominating Committee. Currently, there are no interlocking board memberships held by the Company&#146;s directors. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">&#147;Common Shares&#148; refers to the number of Common Shares beneficially owned, or over which control or direction is exercised by, the director as of
March&nbsp;11, 2014 and March&nbsp;12, 2013, respectively. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">&#147;Deferred Share Units&#148; (&#147;DSUs&#148;) refers to the number of DSUs held by the director as of March&nbsp;11, 2014 and March&nbsp;12, 2013, as
applicable. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">&#147;Total Value of Common Shares and DSUs&#148; is determined by multiplying the closing price of the Common Shares on the Toronto Stock Exchange
(&#147;TSX&#148;) on each of March&nbsp;11, 2014 ($21.45)&nbsp;and March&nbsp;12, 2013 ($15.50), respectively, times the number of Common Shares and DSUs outstanding as of those dates. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Directors&#146; equity ownership is valued at the greater of market value and the acquisition cost or grant value for the purposes of meeting the
directors&#146; equity ownership guidelines. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Pursuant to the term limits established by the Board, the Chairman may serve a full five-year term as Chairman regardless of the number of years of service on
the Board (see section &#147;Board Term Limits&#148; on page 9). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Upon being elected Chairman of the Board on May&nbsp;2, 2013, Richard DeWolfe resigned from the Audit Committee and Risk Committee and was appointed to the
Corporate Governance and Nominating Committee. As Chairman of the Board, Richard DeWolfe is invited to attend all committee meetings at the invitation of the Chair of each Committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">10</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr.&nbsp;DeWolfe was a director of Avantair, Inc. between 2009 and August 2013. On July&nbsp;25, 2013, an involuntary petition under chapter 7 of title 11 of
the United States Code (the &#147;Bankruptcy Code&#148;) in the United States Bankruptcy Court of the Middle District of Florida, Tampa Division (the &#145;Bankruptcy Court&#148;), was filed against Avantair, Inc. On August&nbsp;16, 2013, the
Bankruptcy Court entered the order for relief under chapter 7 of the Bankruptcy Code. The chapter 7 case is ongoing. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>11</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Donald A. Guloien</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868guloien.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since: </I></B>&nbsp;&nbsp;2009<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit:
</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;N/A<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">11</SUP><B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:</I></B>&nbsp;&nbsp;93.55%<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age: </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56<B><I></I></B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I></I></B>Toronto, ON Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Global Financial Services</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Executive/Knowledge of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Investment Management</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia, Canada
and U.S.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Donald Guloien is the President and Chief Executive Officer (&#147;CEO&#148;) of Manulife. During his <FONT STYLE="white-space:nowrap">32-year</FONT> career at Manulife, Mr. Guloien has held a variety of leadership
roles in insurance and investments operations, global acquisitions and business development. Before assuming his current role, he was Senior Executive Vice President and Chief Investment Officer, where he was recognized as a leading global
investment executive.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Guloien has been named
International Business Executive of the Year by the Canadian Chamber of Commerce and awarded The Queen Elizabeth II Diamond Jubilee medal. Mr.&nbsp;Guloien is Chair-elect of the Canadian Life and Health Insurance Association. He is a recipient of
the Arbor Award for his contributions to the University of Toronto. He is a member of the Mayor of Shanghai&#146;s International Business Leaders&#146; Advisory Council, the Canadian Council of Chief Executives, The Ticker Club and the World
Presidents&#146; Organization. He is a director of The Geneva Association and a former director of LIMRA International.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Guloien holds a B. Comm. from the University of Toronto and is a Fellow, Life Management Institute.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">12</SUP></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall&nbsp;Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During
Last Five Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">8&nbsp;of&nbsp;8<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">12</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">None</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" NOWRAP STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities
Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum&nbsp;Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">123,720</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">192,861<B></B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">316,581</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$6,790,662</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">As CEO, Mr. Guloien is subject to different ownership guidelines than the
other Directors.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">13</SUP></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">123,720</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">187,138</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">310,858</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$4,818,299</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Joseph P. Caron</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868caron.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since: </I></B>&nbsp;&nbsp;2010<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2023<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;95.96%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;66<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">West Vancouver, BC Canada</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Public Sector</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Joseph Caron is Principal and Founder of Joseph Caron Incorporated, a consulting business (established in 2010) providing strategic counsel to Asian
businesses seeking to grow in Canada and Canadian businesses and organizations focused on development in Asia. From 2010 to 2013, Mr. Caron was a member of HB Global Advisors Corporation, the international consulting firm of Heenan
Blaikie.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Caron&#146;s experience includes almost
four decades with the Government of Canada where he served in a number of key diplomatic posts including, Ambassador to the Peoples&#146; Republic of China (2001 to 2005), Ambassador to Japan (2005 to 2008) and High Commissioner to the Republic of
India (2008 to 2010).</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">He is currently on the advisory
board of Westport Innovations Inc. and a director of the Vancouver International Airport. He has also been named a Distinguished Fellow of the Asia Pacific Foundation and an Honorary Research Associate of the University of British Columbia&#146;s
Institute of Asian Research.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Caron holds a BA in
Political Science from the University of Ottawa.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall&nbsp;Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During
Last Five Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Corporate Governance &amp; Nominating</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Management&nbsp;Resources&nbsp;&amp;&nbsp;Compensation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9&nbsp;of&nbsp;9<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;&nbsp;&nbsp;&nbsp;</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">3&nbsp;of&nbsp;3<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">14</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">7&nbsp;of&nbsp;7<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;&nbsp;&nbsp;&nbsp;</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Westport&nbsp;Innovations&nbsp;Inc.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2013 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" NOWRAP STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities
Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum&nbsp;Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4,785</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">19,880</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">24,665 </FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$529,064</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">14,534</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">14,534</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$225,277</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:15%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">11</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The term limits established by the Board apply only to independent directors. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">12</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien is not a member of any Board committee. He attends committee meetings at the invitation of the Chairman. One Board meeting in 2013 was for
independent directors only. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">13</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr. Guloien also holds RSUs and PSUs issued under the Company&#146;s medium-term incentive programs (see &#147;Medium-Term and Long-Term Incentives Program
Descriptions&#148; at page 58&#148;). For disclosure relating to the value of Mr. Guloien&#146;s holdings and the applicable share ownership guidelines see &#147;Share Ownership Guidelines&#148; at page 49<B>.</B> </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">14</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Joseph Caron was appointed to the Corporate Governance and Nominating Committee on May 2, 2013. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>12</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>John M. Cassaday</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="9" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655868cassaday.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;1993<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>2019<B><I><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></I></B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">15<B><I></I></B></SUP><B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>2013
Votes For:&nbsp;</I></B>&nbsp;86.95%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>60<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Toronto, ON
Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Canada and U.S. Operations/</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Governance</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">John Cassaday is President and Chief Executive Officer of Corus Entertainment Inc., a position he has held since its inception in 1999. Corus is a
Canadian leader in pay and specialty television, Canadian radio and a global leader in children&#146;s programming and licencing. Prior to Corus, Mr.&nbsp;Cassaday was Executive Vice President of Shaw Communications, President and Chief Executive
Officer of CTV Television Network and President of Campbell Soup Company in Canada and the UK.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Mr. Cassaday is currently a member of the board of directors of Corus Entertainment Inc. and Sysco Corporation. He is also active in community affairs, principally with St. Michael&#146;s Hospital.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Cassaday has an MBA (Dean&#146;s List) from the Rotman School
of Management at the University of Toronto.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Overall
Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During Last Five
Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9&nbsp;of&nbsp;9</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Corus Entertainment Inc.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">1999 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Corporate Governance &amp; Nominating</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">4 of 4</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Sysco Corporation</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2004 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Management&nbsp;Resources&nbsp;&amp;&nbsp;Compensation (Chair)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">7 of 7</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares<BR>and&nbsp;DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum&nbsp;Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">106,503</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">126,503</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$2,713,489</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">92,622</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">112,622</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1,745,641</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Susan F. Dabarno</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="8" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655868dabarno.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2013<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>2025<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;99.39%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>61<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Bracebridge, ON
Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Global Financial Services</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Executive/Knowledge of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Investment Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Canada&nbsp;Operations/</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Susan Dabarno has been a Corporate Director since 2011. She has extensive wealth management and distribution expertise and served from 2009 to 2010
as Executive Chair, and from 2003 to 2009 as President and Chief Executive Officer, of Richardson Partners Financial Limited, an independent wealth management services firm. Before joining Richardson Partners Financial Limited, Ms.&nbsp;Dabarno was
President and Chief Operating Officer at Merrill Lynch Canada Inc.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Ms. Dabarno is currently a member of the board of Bridgepoint Health Foundation and Toronto Waterfront Revitalization Corporation.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Ms. Dabarno is a Fellow of Certified General Accountants and holds
a Class II Diploma from McGill&nbsp;University.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee&nbsp;Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Overall
Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public&nbsp;Board&nbsp;Membership&nbsp;During&nbsp;Last&nbsp;
Five&nbsp;Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">6&nbsp;of&nbsp;6<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">16</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">People Corporation</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="white-space:nowrap">2011&nbsp;-&nbsp;March&nbsp;1,&nbsp;2013</FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Audit</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4 of 4<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">16</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares<BR>and&nbsp;DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares&nbsp;and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum&nbsp;Equity Ownership&nbsp;Requirement Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($) Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$643,500</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$465,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:119px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:15%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">15</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Pursuant to the transitional provisions of the term limits established by the Board, as Mr. Cassaday has not reached the age of 72 as of the date of the
Meeting, he may be recommended for re-election for additional one-year terms for up to five years (see section &#147;Board Term Limits&#148; on page 9). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">16</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Susan Dabarno was appointed to the Board of Directors on March&nbsp;1, 2013. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>13</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="3"><B>Sheila S. Fraser</B></FONT></P></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868fraser_new.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2011<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;</I></B>&nbsp;&nbsp;&nbsp;&nbsp;2024<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:</I></B>&nbsp;99.33%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>63<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Ottawa, ON
Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Public Sector</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Sheila Fraser is currently a Corporate Director. From 2001 to 2011, Ms. Fraser served as Auditor General of Canada and, prior to joining the Office of the Auditor General in 1999 as Deputy Auditor General, she was
a partner at Ernst &amp; Young for 18 years.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Her
contributions to the accounting and auditing profession include her current role as a Trustee of the International Financial Reporting Standards Foundation. She has also chaired two committees of the International Organization of Supreme Audit
Institutions (INTOSAI) as well as the Public Sector Accounting Board of the Canadian Institute of Chartered Accountants and, until December&nbsp;31, 2013, was a member of the International Federation of Accountants-International Public Sector
Accounting Standards Board (IFAC-IPSASB).</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Ms. Fraser
holds a Bachelor of Commerce from McGill University and is a Fellow of the Institute of Chartered Accountants and the Ordre des comptables professionnels agr&eacute;&eacute;s du Qu&eacute;bec.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During
Last Five Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Audit (Chair)</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Risk</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">5 of 5</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;7 of 7<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">17</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Bombardier Inc.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2012 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares<BR>and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Value of Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">18</SUP> </FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">580</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">19,296</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">19,876</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$426,340</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">$23,660</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">580</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">8,303</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">8,883</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$137,687</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="3"><B>Scott M. Hand</B></FONT></P></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868hand.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2007<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;</I></B>&nbsp;&nbsp;&nbsp;&nbsp;2019<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;83.25%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>71<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Toronto, ON
Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia, Canada and U.S.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Scott Hand is Executive Chairman of the Board of Royal Nickel Corporation and was the Chairman and Chief Executive Officer of Inco Limited (&#147;Inco&#148;) from April 2002 until he retired in January 2007. Prior
to that time, Mr. Hand served as the President of Inco and held positions in Strategic Planning, Business Development and Law. Inco has been a major global Canadian-based resources enterprise and a leading producer and marketer of nickel and other
metals.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Hand is currently a member of the board of
directors of Legend Gold Corp., Chinalco Mining Corporation International and Royal Nickel Corporation. Mr. Hand also serves on the boards of Boyd Technologies LLC (non-woven materials), the World Wildlife Fund Canada, the Massachusetts Museum of
Contemporary Art and a number of private companies in the mineral resource sector.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Mr. Hand received a BA from Hamilton College and a JD from Cornell University.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>96%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During
Last Five Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Management&nbsp;Resources&nbsp;&amp;&nbsp;Compensation</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Risk</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">7 of 7</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">8 of 9</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">89%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Chinalco Mining Corporation International</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Legend Gold Corp.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Royal Nickel Corporation</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Fronteer Gold Inc.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Royal Coal Corp.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">2012 - Present</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">2011 - Present</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">2008 - Present</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">2007 - 2011</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">2010 - May 2012<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">19</SUP></FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares<BR>and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Shares and DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">34,453</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">64,453</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1,382,517</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">28,677</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">58,677</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$909,494</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:15%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">17</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Sheila Fraser was appointed to the Risk Committee on May&nbsp;2, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">18</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">In accordance with the directors&#146; equity ownership guidelines (see page 21), Sheila Fraser has elected to receive 100% of her annual Board retainer in
equity until the minimum requirement has been met. For information on the annual Board retainer and fees, please see the &#147;Schedule of Board Fees&#148; on page 20. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">19</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Scott Hand was a director of Royal Coal Corp. during the period from August 2010 until May 2012. On May&nbsp;3, 2012, a Cease Trade Order was issued on Royal
Coal Corp. by the Ontario Securities Commission for failure to file financial statements. On May&nbsp;17, 2012, Royal Coal Corp. announced that it received notice from the TSX Venture Exchange that the TSX Venture Exchange had suspended trading in
Royal Coal Corp.&#145;s securities as a result of the Cease Trade Order. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>14</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Luther S. Helms</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="9" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868helms.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2007<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;</I></B>&nbsp;&nbsp;&nbsp;&nbsp;2019<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;93.58%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:&nbsp;&nbsp;&nbsp;<FONT
STYLE="font-family:arial" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>70<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Paradise Valley,
AZ<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">United States</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Global Financial Services</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Executive/Knowledge of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Investment Management</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.71em; text-indent:-1.71em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia, U.S.
Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Luther Helms has been the Managing Director of Sonata Capital Group (&#147;Sonata&#148;) since 2000. Sonata is a privately-owned registered
investment advisory firm. Mr. Helms has extensive banking and financial services experience, holding various positions at Bank of America Corporation, including Vice Chairman from 1993-1998, and was the Vice Chairman of KeyBank from
1998-2000.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Helms is currently a member of the board
of directors of ABM Industries Incorporated.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Helms
has an MBA from the University of Santa Clara and a BA, History and Economics from the University of Arizona.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>94%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During
Last Five Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="5"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">ABM&nbsp;Industries&nbsp;Incorporated</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">1995 &#150; Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5"><FONT STYLE="font-family:arial" SIZE="1">Audit</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4 of 5</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">80%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Corporate Governance &amp; Nominating</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4 of 4</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares<BR>and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2,100</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">55,718</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">57,818</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT><FONT STYLE="font-family:arial;background-color:#efff0a" SIZE="1"></FONT><FONT
STYLE="font-family:arial;background-color:#efff0a" SIZE="1"><B></B></FONT><FONT STYLE="font-family:arial" SIZE="1">1,240,196</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2,100</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">49,342</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">51,442</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$797,351</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Tsun-yan Hsieh</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="9" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868hsieh.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2011<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2024<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;95.51%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;61<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence: </I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Singapore,<B><I>&nbsp;</I></B>Singapore<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia, Canada and U.S.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Operations/Governance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Human Resources</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Tsun-yan Hsieh is Chairman of LinHart Group Pte Ltd., a firm he founded in 2010 to provide leadership counseling. Mr. Hsieh, a resident of
Singapore, has extensive experience in international business, leadership development and corporate transformation. Mr. Hsieh joined McKinsey &amp; Company in 1980 and was elected as a director from 1990 to 2008 when he retired and, from 2008 to
2010, Mr. Hsieh was retained by McKinsey as a Special Advisor to clients. During his 30-year career with McKinsey &amp; Company, he founded the McKinsey Center for Asian Leadership and worked with clients in more than 30 countries and
industries.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Hsieh is currently a member of the
board of directors of Singapore Airlines and Bharti Airtel Limited. He is a member of the Management Advisory Board at the School of Business and a Provost Chair Professor (Practice) at the School of Business (where he is also a member of the
Management Advisory Board) and the Lee Kuan Yew School of Public Policy, both at the National University in Singapore.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">He has a BSc in Mechanical Engineering from the University of Alberta and an MBA from Harvard Business School.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Overall
Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>94%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During
Last Five Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Bharti Airtel Limited</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2010 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Management&nbsp;Resources&nbsp;&amp;&nbsp;Compensation</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">6 of 7</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">86%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Singapore Airlines</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2012 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="5" VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Sony Corporation</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2008 - June 2013</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total Common Shares<BR>and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">22,206</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">22,206</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT><FONT STYLE="font-family:arial;background-color:#efff0a" SIZE="1"></FONT><FONT
STYLE="font-family:arial;background-color:#efff0a" SIZE="1"><B></B></FONT><FONT STYLE="font-family:arial" SIZE="1">476,319</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial;background-color:#efff0a" SIZE="1">
</FONT><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">11,638</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">11,638</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$180,389</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>15</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Donald R. Lindsay</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify">


<IMG SRC="g655868lindsay.jpg" ALT="LOGO">
</P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2010<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;</I></B>&nbsp;&nbsp;&nbsp;&nbsp;2023<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;99.21%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>55<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Vancouver, BC
Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Global Financial Services</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Executive/Knowledge of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Investment Management</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia, Canada
and U.S.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Donald Lindsay is President and CEO of Teck Resources Limited, Canada&#146;s largest diversified mining, mineral processing and metallurgical
company, a position he has held since 2005. Mr.&nbsp;Lindsay&#146;s experience includes almost two decades with CIBC World Markets Inc., where he ultimately served as President after periods as Head of Investment and Corporate Banking and Head of
the Asia Pacific Region.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Lindsay is currently a
member of the board of directors of Teck Resources Limited.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">He earned a BSc in Mining Engineering from Queen&#146;s University and holds an MBA from Harvard&nbsp;Business School.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>89%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During Last Five Years:</B></FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Risk</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of
9</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">7 of 9</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">78%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Teck Resources Limited</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2005 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities
Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Common&nbsp;Shares<BR>and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum
Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;
($)<BR>Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25,789</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">45,789</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$982,174</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">15,861</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">35,861</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$555,846</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>John R.V. Palmer</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868palmer_new.jpg" ALT="LOGO">
</P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2009<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;</I></B>&nbsp;&nbsp;&nbsp;&nbsp;2022<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;99.04%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>70<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Toronto, ON
Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Public Sector</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia and Canada Operations/</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">John Palmer is Chairman and a founding director of the Toronto Leadership Centre, an organization focused on leadership in financial supervision. Mr. Palmer was the Superintendent of Financial Institutions, Canada
from 1994 - 2001 following his career at KPMG LLP (Canada) where he held senior positions, including Managing Partner and Deputy Chairman. He was also the Deputy Managing Director of the Monetary Authority of Singapore and has advised other
regulators including the Australian Prudential Regulation Authority.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Mr. Palmer is currently a member of the board of directors of Fairfax Financial Holdings Limited and of several non-public organizations.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">He is a Fellow of the Institutes of Chartered Accountants of
Ontario and British Columbia and holds a BA from the University of British Columbia.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee&nbsp;Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Public&nbsp;Board&nbsp;Membership&nbsp;During&nbsp;Last&nbsp;Five&nbsp;Years:</B></FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Audit</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Risk (Chair)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9&nbsp;of&nbsp;9</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">5 of 5</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fairfax&nbsp;Financial&nbsp;Holdings Limited</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2012 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities
Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Common&nbsp;Shares<BR>and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR>Shares and DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity Ownership&nbsp;Requirement Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($) Required</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">47,064</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">47,064</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$1,009,523</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">40,119</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">40,119</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$621,845</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>16</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>C. James Prieur</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655868prieur.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2013<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;</I></B>&nbsp;&nbsp;&nbsp;&nbsp;2025<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;99.28%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>62<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B></FONT><FONT
STYLE="font-family:arial" SIZE="1">Chicago, IL United States<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Global&nbsp;Financial&nbsp;Services</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Executive/Knowledge&nbsp;of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Investment&nbsp;Management</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Asia,
Canada and U.S.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">James Prieur has been a Corporate Director since 2011 and, prior to that time, Mr. Prieur served as Chief Executive Officer and director of CNO Financial Group, Inc. from 2006 until his retirement in 2011. CNO
Financial Group is a life insurance holding company focused on the senior middle income market in the U.S. Prior to joining CNO Financial Group, Mr. Prieur was President and Chief&nbsp;Operating Officer of Sun Life Financial, Inc. from 1999 to 2006
where he had previously led operations in Asia, Canada, United States, and the United Kingdom.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">He is a member of the President&#146;s Circle of the Chicago Council on Global Affairs, and a member of The Pacific Council on International Policy and its China Committee.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr. Prieur is a Chartered Financial Analyst and holds an MBA from
the Richard Ivey School at Western University and a BA from the Royal Military College.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee&nbsp;Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public&nbsp;Board&nbsp;
Membership&nbsp;During&nbsp;Last&nbsp;Five&nbsp;Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1">Risk</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">100%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">CNO Financial Group, Inc.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">2006 - 2011</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Total Common&nbsp;Shares<BR></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">and DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Shares and DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required </FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">9,514</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">29,514</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT><FONT STYLE="font-family:arial;background-color:#efff0a" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="1">633,075
<B></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$310,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="3"><B>Andrea S. Rosen</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655868rosen_x.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:</I></B> &nbsp;&nbsp;2011<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit: &nbsp;&nbsp;&nbsp;&nbsp;</I></B>&nbsp;&nbsp;&nbsp;&nbsp;2024<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B>&nbsp;99.35%<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>59<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>Toronto, ON
Canada<B><I></I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of Expertise:</I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Global&nbsp;Financial&nbsp;Services</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Executive/Knowledge&nbsp;of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Investment&nbsp;Management</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.71em; text-indent:-1.71em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Canada
Operations/Governance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Andrea Rosen has been a Corporate Director since 2006. Ms. Rosen&#146;s extensive knowledge of the financial services industry includes investment banking and wholesale and retail banking. Prior to January 2005,
her experience includes more than a decade with the TD Bank Financial Group, where she ultimately served as Vice Chair, TD Bank Financial Group and President of TD Canada Trust. Earlier in her career, she held progressively senior positions at Wood
Gundy Inc. and was Vice President at Varity Corporation.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Ms. Rosen is currently a member of the board of directors of the Alberta Investment Management Corporation, Emera Inc. and Hiscox
Limited.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">She has an LLB from Osgoode Hall Law School,
an MBA from the Schulich School of Business at York University and a BA from Yale University.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee&nbsp;Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Overall Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public&nbsp;Board&nbsp;
Membership&nbsp;During&nbsp;Last&nbsp;Five&nbsp;Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1">Audit</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">5 of 5</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">100%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Emera Inc.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Hiscox Limited</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">2007 - Present</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">2006 - Present</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common&nbsp;Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Common&nbsp;Shares<BR></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">and DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common<BR></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Shares and DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required </FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">11,500</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">27,849</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">39,349</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT><FONT STYLE="font-family:arial;background-color:#efff0a" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="1">844,036</FONT></TD>

<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">11,500</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">18,812</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30,312</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$469,836</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>17</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="15" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="3"><B>Lesley D. Webster</B></FONT></P></TD></TR>

<TR>
<TD VALIGN="top" ROWSPAN="7" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g655868webster.jpg" ALT="LOGO">
</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Status:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I></B>Independent<B><I></I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Director Since:
</I></B></FONT><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;2012</FONT><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Term Limit:
</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2025<B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>2013 Votes For:&nbsp;</I></B></FONT><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;99.32%</FONT><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Age:
</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family:arial" SIZE="1"><B><I></I></B>61<B><I></I></B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Residence:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Naples, FL United States</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B><I>Areas of
Expertise:</I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Senior Executive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Financial</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;U.S. Operations/Governance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.71em; text-indent:-1.71em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Global Financial Services</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Executive/Knowledge of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Investment Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="13" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Lesley Webster is President and founder of Daniels Webster Capital Advisors, an enterprise risk management consulting firm established in 2006. Ms.
Webster has extensive financial industry experience and was Executive Vice President of JP Morgan Chase&#146;s firm-wide Market and Fiduciary Risk Management from 1994 until 2005. Prior to that, she was global head of US Dollar Fixed Income
Derivatives at UBS Securities, Inc. and head of Fixed Income Arbitrage trading at Chase Manhattan Bank.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Ms. Webster is currently a member of the board of directors of MarketAxess Holdings Inc.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Ms. Webster earned a PhD in Economics from Stanford University and
a BA in Economics from the University of Illinois at Urbana.</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership:</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Overall
Attendance:</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>100%</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Public Board Membership During Last Five
Years:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="5" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board of Directors</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Management&nbsp;Resources&nbsp;&amp;&nbsp;Compensation</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Risk</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">4 of 4<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">20</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">9 of 9&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">100%</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">MarketAxess Holdings Inc.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">April 2013 - Present</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="13" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities Held:</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Common Shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Common&nbsp;Shares and&nbsp;DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total&nbsp;Value&nbsp;of&nbsp;Common Shares&nbsp;and&nbsp;DSUs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Minimum&nbsp;Equity<BR>Ownership&nbsp;Requirement<BR>Met&nbsp;(<FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>)&nbsp;or&nbsp;Amount&nbsp;($)<BR>Required<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">21</SUP></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">8,578</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">8,578</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$183,998</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">$266,002</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2,053</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2,053</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$31,822</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR></TABLE>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:15%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">20</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Lesley Webster was appointed to the Management Resources and Compensation Committee on May&nbsp;2, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">21</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">In accordance with the directors&#146; equity ownership guidelines (see page 21), Lesley Webster has elected to receive 100% of her annual Board retainer in
equity until the minimum requirement has been met. For information on the annual Board retainer and fees, please see the &#147;Schedule of Board Fees&#148; on page 20. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_9"></A>Director Attendance</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Directors are expected to attend the annual meeting, the Board meetings and the meetings of committees on which they
serve, unless circumstances make it impossible to do so. The attendance of directors nominated for re-election is set out above in the biographical charts. For the year ended December&nbsp;31, 2013, average attendance of all director nominees at
Board and committee meetings was 100&nbsp;per cent and 98&nbsp;per cent, respectively. </FONT></P> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_10"></A>Summary of Board and Committee Meetings Held in 2013</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="12%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Regular&nbsp;Meetings</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Board of Directors</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">9&nbsp;(1&nbsp;independent)</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Audit Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">5</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Corporate Governance&nbsp;&amp; Nominating
Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">4</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Management Resources&nbsp;&amp; Compensation
Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">7</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Risk
Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">9</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>18</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_11"></A>Attendance of Retiring Directors</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="17%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Director</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Attendance</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868harding.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Robert J. Harding</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1"><I>(Retiring May 1, 2014)</I></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Audit</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Corporate&nbsp;Governance&nbsp;&amp;&nbsp;Nominating&nbsp;<I>(Chair&nbsp;as&nbsp;of&nbsp;May&nbsp;2,&nbsp;2013)</I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Risk <I>(resigned May 2, 2013)</I></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9&nbsp;of&nbsp;9</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5 of
5</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3 of 3</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2 of
2</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">100</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">100</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">100</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">100</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="17%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Director</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Board/Committee Membership</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Attendance</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em">


<IMG SRC="g655868marsden.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Lorna R. Marsden</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1"><I>(Retiring May 1, 2014)</I></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Board</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Management Resources &amp; Compensation</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Corporate Governance &amp;
Nominating <I>(appointed May 2, 2013)</I></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8&nbsp;of&nbsp;9</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7 of
7</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3 of 3</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">89</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">100</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">100</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_8"></A>Director Independence and Committee Membership</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board Policies require that a majority of directors be independent and the Board has adopted an independence
policy. Directors must satisfy the requirements of the independence policy, which includes applicable independence requirements of the laws governing the Company, the stock exchanges on which the Company&#146;s securities are listed and applicable
securities regulatory authorities. See &#147;Independence of the Board&#148; on page 72 for details on determining director independence. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Director</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Director<BR>Since<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>

<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Term Limit<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="7" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Committees</B></FONT>
</TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Audit</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Corporate<BR>Governance<BR>and&nbsp;Nominating</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Management<BR>Resources&nbsp;and<BR>Compensation</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Risk</B></FONT></TD></TR>


<TR BGCOLOR="#cccccc">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Independent</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Joseph
Caron</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2010</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2023</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">John
Cassaday</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1993</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2019</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Chair</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Susan
Dabarno</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2025</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Richard DeWolfe
(Chairman)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2004</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2018</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Sheila
Fraser</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2024</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Chair</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Scott
Hand</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2007</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2019</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Luther
Helms</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2007</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2019</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Tsun-yan
Hsieh</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2024</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald
Lindsay</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2010</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2023</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">John
Palmer</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2009</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2022</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Chair</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">James
Prieur</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2025</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Andrea
Rosen</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2024</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Lesley
Webster</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2025</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#252;</FONT></FONT>
<FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Not Independent - Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2009</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:15%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">&#147;Director Since&#148; refers to the year the director was first elected to either the Board of the Company or Manufacturers Life. When Manufacturers Life
demutualized in 1999, it became a wholly-owned subsidiary of the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&#147;Term Limit&#148; refers to the year in which independent directors would not
be eligible for re-election at the annual meeting unless, in exceptional circumstances, approved by the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Subject to his successful re-election at the Meeting, Mr.&nbsp;Caron will be appointed Chair of the Corporate Governance and Nominating Committee.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien is not independent as he is the President and CEO of the Company. Mr.&nbsp;Guloien is not a member of any committee.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>19</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.43em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_12"></A>Director Compensation</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation Determination </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Compensation is paid to all non-employee directors. Director compensation is designed to: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Promote alignment with shareholder interests by requiring directors to meet the directors&#146; equity ownership guidelines (described below);
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Be competitive with Canadian financial institutions and other large global financial institutions with comparable scope and complexity; and
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reflect the directors&#146; expertise and expected contribution. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board reviews director compensation every two years with the assistance of the Corporate Governance and Nominating Committee and the advice of its independent consultants, Pearl Meyer&nbsp;&amp; Partners and
Hugessen Consulting Inc. (&#147;Hugessen Consulting&#148;) with the objective of paying directors appropriately for their oversight role. In reviewing director compensation, the committee considers the time commitment and the responsibilities of
directors. The committee, with the assistance of Pearl Meyer&nbsp;&amp; Partners and Hugessen Consulting, reviewed and recommended to the Board for approval an increase in the directors&#146; compensation effective January&nbsp;1, 2014 to be
competitive with Canadian financial institutions and other large global financial institutions with comparable scope and complexity. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Set
out in the table below is the schedule of fees paid to the independent directors in fiscal 2013 and the Board approved changes to the schedule of fees effective January&nbsp;1, 2014. Subject to confirmation of the amendment to By-Law No.&nbsp;1 by
the shareholders of the Company and the voting policyholders of The Manufacturers Life Insurance Company, the Board has approved a further change to the fee schedule to establish the fees in United States dollars, effective as of July&nbsp;1, 2014.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Schedule of Board Fees<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>January&nbsp;1
to<BR>December&nbsp;31,&nbsp;2013<BR></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Fees (CDN$)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Effective<BR>January&nbsp;1,&nbsp;2014<BR></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Fees (CDN$)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Effective<BR>July&nbsp;1,&nbsp;2014<BR></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Fees (US$)*</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual Retainers</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Board member</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">150,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">150,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Chair of the Board<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">350,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">400,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">400,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Vice Chair of the Board, if applicable<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">50,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">50,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">50,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Observer to subsidiary board, if applicable<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Variable</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Variable</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual Committee Chair Retainers</B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Audit Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">40,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">40,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Management Resources and Compensation
Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">40,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">40,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Risk Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">40,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">40,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Corporate Governance and Nominating
Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual Committee Membership Retainers</B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Audit Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Management Resources and Compensation
Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Risk Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Corporate Governance and Nominating
Committee</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Attendance Fees</B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Board Meeting</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Committee Meeting</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Education session not held on dates on which a
Board or Committee meeting is held</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Travel Allowance (per round trip of at least
150km)</B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP><B></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Travel within North America, Europe or
Asia</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="3" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD ROWSPAN="3" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Travel&nbsp;Fees&nbsp;(per&nbsp;8</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">hour&nbsp;day&nbsp;of&nbsp;travel</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">to and from the</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Board Meeting):</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">$1,000</FONT></P></TD>
<TD ROWSPAN="3" NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Travel between North America or Asia and
Europe</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Travel between North America and
Asia</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">* Subject to confirmation of the amendment to By-Law No.&nbsp;1 as described above. </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:4px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Amounts paid are for services provided to both Manulife Financial Corporation and The Manufacturers Life Insurance Company and the fees are divided equally
between the two companies. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The Chair of the Board does not receive any other retainers or attendance fees but is entitled to receive a travel allowance paid in accordance with this fee
schedule. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The annual retainer is paid to the Vice Chair of the Board, if any, in addition to the annual Board member retainer and any other applicable fees.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">In connection with the Board&#146;s oversight role on subsidiaries, directors may be requested to serve as observers to subsidiary boards from time to time
and may be paid an additional retainer and/or meeting fee, determined at the discretion of the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The annual Committee chair retainer is paid to the director (other than the Chair of the Board) holding the specified position. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The annual Committee membership retainer is paid to directors (other than the Chair of the Board) who are members of the specified Committee.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The attendance fee is paid to directors (other than the Chair of the Board) who attend the specified meeting and, in respect of attendance at Committee
meetings, are members of the specified Committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Directors are entitled to be paid the specified fee for each round trip of at least 150km between the location of their primary or secondary residence and the
Board or Committee meeting, education session or other location to which they are required to travel in connection with their Board or Committee duties. Directors are also reimbursed for travel and other expenses incurred for attendance at such
sessions. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"></FONT></P></TD></TR></TABLE> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>20</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Directors&#146; Equity Ownership Guidelines </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">To align directors&#146; compensation with the long-term interests of the Company, each director, including the Chairman, is required to hold equity
in the Company having a minimum value representing three times the directors&#146; annual retainer (currently, $450,000). Common Shares, preferred shares of the Company and DSUs are considered equity for this purpose. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Starting in 2014, the Board instituted a new policy that, until such time as a director has reached an equity position having a value representing
three times the directors&#146; annual retainer (currently, $450,000), the director must take one hundred percent (100%)&nbsp;of the Board retainer in DSUs. Directors, while not required to do so, are also encouraged to accumulate an equity position
in the Company, either (i)&nbsp;through direct purchases of shares, or (ii)&nbsp;once the minimum equity ownership has been met, by electing to receive a portion of the fees paid to the director in DSUs. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Directors&#146; equity ownership is valued at the greater of market value and the acquisition cost or grant value for the purposes of meeting the
directors&#146; equity ownership guidelines. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Directors May Elect to Receive Compensation in Equity </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Non-employee directors may elect to receive a percentage of their compensation in Common Shares or DSUs instead of cash under the Stock Plan for
Non-Employee Directors (the &#147;Stock Plan&#148;). DSUs granted to directors are fully vested on the date of grant but are not payable until the director is no longer a member of the Board. The number of DSUs granted is determined by dividing the
dollar value to be received by the closing price of the Common Shares on the TSX on the last trading day prior to the date of grant. DSUs are credited with additional units when dividends are paid on Common Shares. Upon termination of Board service,
the DSUs are paid in cash or Common Shares, at the director&#146;s election, within one year. DSUs are only transferable upon death. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The
maximum number of Common Shares and DSUs that may be issued under the Stock Plan is 1,000,000 or less than 0.1% of the outstanding Common Shares as of March&nbsp;11, 2014. As of March&nbsp;11, 2014, 734,627 DSUs were outstanding and 260,609 Common
Shares had been issued under the Stock Plan, each representing less than 0.1% of the outstanding Common Shares as of that date. The maximum number of Common&nbsp;Shares that may be issued in one year or issuable at any time under the Stock Plan
together with all other share-based compensation arrangements to any one participant or to insiders in the aggregate cannot exceed 5%
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
and 10%, respectively, of all of the outstanding Common Shares. The Stock Plan may be amended provided prior regulatory and shareholder approval are received. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Stock Options </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2004, the Board permanently
discontinued further stock option grants to non-employee directors under the Director Equity Incentive Plan. As of February&nbsp;13, 2014 there were no option-based awards outstanding under the Director Equity Incentive Plan and the Board terminated
the plan. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation from Subsidiaries and Affiliates </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">From time to time, independent directors of the Company may serve as directors or board observers for subsidiaries and affiliates of the Company. They are paid for their services and reimbursed for travel and other
expenses incurred in attending board and committee meetings. No directors received any such fees in 2013. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Outstanding Share Based Awards
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table shows the market value of share-based awards issued to non-employee directors that have vested but not been paid
out. These awards consist entirely of the DSUs that some directors have elected to receive as a portion of their fees. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="33%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="middle" ROWSPAN="2" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1"><B>Independent Directors</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Share-Based Awards</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Market or Payout Value of Vested<BR>Share-Based Awards Not Paid Out or<BR>Distributed ($)<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#d8d8d8">
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Current Directors</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Joseph P. Caron</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">416,685</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">John M. Cassaday</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,232,303</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Susan F. Dabarno</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Richard B. DeWolfe</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,845,004</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Sheila S. Fraser</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">404,444</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Scott M. Hand</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">722,135</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Robert J. Harding</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,324,756</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Luther S. Helms</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,167,849</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Tsun-yan Hsieh</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">465,438</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald R. Lindsay</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">540,537</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Lorna R. Marsden</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">544,122</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">John R.V. Palmer</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">986,461</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">James Prieur</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">199,413</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Andrea S. Rosen</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">583,715</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Lesley D. Webster</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">179,795</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#d8d8d8">
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Retired Directors</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Gail C.A. Cook-Bennett</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">994,636</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Thomas P. d&#146;Aquino</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">657,767</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Robert E. Dineen, Jr.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">843,074</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Hugh W. Sloan, Jr.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,289,375</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="16" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Value of vested DSUs is calculated based on the closing price of the Common Shares on the TSX on December 31, 2013 ($20.96).
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>21</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Directors&#146; Compensation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The following table shows the compensation paid to independent directors from January&nbsp;1 to December&nbsp;31, 2013: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR>
<TD VALIGN="middle" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-LEFT:2px solid #000000; BORDER-TOP:2px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Director</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:2px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual Fee Breakdown</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:2px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Allocation&nbsp;of&nbsp;Annual&nbsp;Fees</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:2px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="BORDER-TOP:2px solid #000000" BGCOLOR="#cccccc">
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>All&nbsp;Other<BR>Compensation<BR>($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:2px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="BORDER-TOP:2px solid #000000" BGCOLOR="#cccccc">
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Total<BR>Compensation<BR>($)</B></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:2px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual<BR>Retainer</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Committee<BR>Chair<BR>Retainer</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Committee<BR>Membership<BR>Retainer</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Board<BR>Meeting<BR>Fees</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Committee<BR>Meeting<BR>Fees</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Travel<BR>Fees</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Fees</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Earned</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($)<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" BGCOLOR="#cccccc">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="white-space:nowrap">Share-Based</FONT><BR>Awards</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#bfbfbf">
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Current
Directors</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Joseph P. Caron</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">11,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">15,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">84,167</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">84,167</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">169,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">John M. Cassaday</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">13,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">16,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">188,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">189,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Susan F.
Dabarno<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">91,667</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,667</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">12,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">117,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">118,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Richard B.
DeWolfe<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">286,668</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">12,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">164,001</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">164,001</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">329,002</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Sheila S.
Fraser<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">20,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">13,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">186,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">187,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Scott M. Hand</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">16,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">22,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">83,750</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">83,750</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">168,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Robert J.
Harding<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">13,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">15,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">171,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">172,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Luther S. Helms</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">13,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">12,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">83,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">83,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">168,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Tsun-Yan Hsieh</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">175,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">176,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Donald R. Lindsay</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">12,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">162,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">163,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Lorna R.
Marsden<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">11,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">16,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">15,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">153,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">154,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">John R.V. Palmer</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">30,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">16,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">21,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">98,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">98,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">197,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">C. James Prieur</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">13,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">163,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">164,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Andrea S. Rosen</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">144,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">145,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Lesley D.
Webster<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">13,334</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">19,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">14,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">64,834</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">110,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">175,834</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Retired Directors</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Gail C.A.
Cook-Bennett<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">118,585</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">118,585</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">121,585</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Thomas P.
d&#146;Aquino<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">37,269</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,406</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">57,675</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">60,675</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Robert E. Dineen,
Jr.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">37,269</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,711</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">54,980</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">57,980</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Hugh W. Sloan, Jr.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">
9</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">37,269</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,777</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,406</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">33,226</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">33,226</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">69,452</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">TOTAL:<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">10</SUP></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,988,198</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Directors may elect to receive a percentage of their compensation in Common Shares or DSUs instead of cash under the Stock Plan. The amounts referenced in the
&#147;Fees Earned&#148; column are the fees the directors elected to receive in cash. The amounts referenced in the &#147;Share-Based Awards&#148; column are the fees the directors elected to receive in DSUs instead of cash.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">In December 2013, the Company made a $1,000 donation in the name of each current director to a charity chosen by that director. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Susan Dabarno was appointed to the Board of Directors on March&nbsp;1, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Richard DeWolfe was elected Chairman of the Board on May&nbsp;2, 2013. Upon being elected Chairman, Mr.Richard DeWolfe resigned from the Audit Committee and
Risk Committee and was appointed to the Corporate Governance and Nominating Committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Sheila Fraser was elected as Chair of the Audit Committee and was appointed to the Risk Committee on May 2, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Robert Harding was elected as Chair of the Corporate Governance and Nominating Committee and resigned from the Risk Committee on May 2, 2013.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Lorna Marsden was appointed to the Corporate Governance and Nominating Committee on May 2, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Lesley Webster was appointed to the Management Resources and Compensation Committee on May 2, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Gail Cook-Bennett, Thomas d&#146;Aquino, Robert Dineen and Hugh Sloan retired from the Board of Directors on May&nbsp;2, 2013. On their retirement, each
retiring director was presented with a retirement gift valued at $3,000. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">10</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The maximum aggregate annual remuneration payable to directors for each of the Company and Manufacturers Life is $4,000,000 ($2,000,000 per company).
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>22</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_13"></A>Committee Reports</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>

<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_14"></A>Report of the Corporate Governance and Nominating
Committee</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868harding1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868g65w11.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868caron1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868cassaday1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868helms1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify">


<IMG SRC="g655868marsden1.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Robert J. Harding <BR>(Chair)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Richard B. DeWolfe</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Joseph&nbsp;P.&nbsp;Caron</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">John&nbsp;M.&nbsp;Cassaday</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Luther S. Helms</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Lorna&nbsp;R.&nbsp;Marsden</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>RESPONSIBILITIES </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2">The mandate of the Corporate Governance and Nominating Committee requires it to do the following: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Review the structure and composition of the Board and its committees. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Review, and where necessary recommend changes to the Board for approval, the mandates of the Board, individual directors, the Chairman of the Board and the
Chair of each of its committees. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Recommend areas of expertise for selection of new director nominees and identify qualified director nominees for Board approval. </FONT></P></TD></TR></TABLE>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Assess the effectiveness of the Board, its committees, the Chairs of those committees and the contributions of individual directors.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Make Chairman of the Board succession recommendations. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee and recommend the adoption of best practices in corporate governance. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee director orientation and education. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Review and recommend director compensation. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>INDEPENDENCE </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">All committee members are
independent. See &#147;Independence of the Board&#148; on page&nbsp;72 for details on determining director independence. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 HIGHLIGHTS
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee, at its four meetings in 2013, reviewed, analyzed, discussed, made recommendations and approved a variety of matters,
which include the following highlights, all in accordance with its charter: </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Meetings </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The CEO attended the meetings at the invitation of the Chair of the committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> without management at the end of each meeting. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Board Evaluations and 2014 Objectives </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and assessed the Board&#146;s performance against its mandate and its 2013 annual objectives. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Carried out the annual evaluation of the Board, the committees, the Board and committee Chairs and the contributions of individual directors (see &#147;Board,
Committees, Directors and Chairman Evaluation&#148; for a description of the evaluation process on page&nbsp;75). The evaluation focuses on areas for improvement and focus in the coming year.
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Developed 2014 Board objectives from the results of the evaluations which include: </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Enhance engagement with shareholders, policyholders and other stakeholders, including encouraging, supporting and participating in investor relations and
shareholder outreach and engagement programs. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Continue to exercise oversight and provide strategic direction in a manner which enhances management effectiveness and supports prudent risk management,
including (i)&nbsp;focusing on key issues facing the Company; (ii)&nbsp;understanding the global opportunities for the Company; and (iii)&nbsp;deepening the Board&#146;s understanding of the range of products and services offered by the Company and
the competitive landscape. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Support management in developing external benchmarks for regularly measuring and reporting on accomplishments. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Continue to support management in optimizing the quality, continuity and flow of information to the Board. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Maintain a clear role for the Board, with defined boundaries in relation to its oversight function. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="24"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="25" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">6.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Encourage and support director education and credentials beyond the Company&#146;s Board education program. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board and Committee Composition and Succession </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Continued the Board renewal process to actively manage director retirements, including recommending type of expertise required and identifying director
candidates. Recommended the elimination of the mandatory retirement age for directors in favour of term limits for independent directors, with appropriate transition provisions (see &#147;Board Term Limits&#148; on page&nbsp;74 for details on the
term limits). </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Director Compensation </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee, with the assistance of Pearl Meyer&nbsp;&amp; Partners and of Hugessen Consulting, reviewed and recommended to the Board for approval an
increase in the directors&#146; compensation effective January&nbsp;1, 2014 to be competitive with Canadian financial institutions and other large global financial institutions with comparable scope and complexity.
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>23</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee also recommended to the Board that it approve an amendment to By-Law No.&nbsp;1 of the Company establishing the maximum annual aggregate
remuneration payable to the Board in United States dollars. This enables Company to pay directors in United States dollars without exceeding the maximum annual aggregate remuneration payable in the event of currency fluctuations. As a company with a
significant global presence, it is desirable that the Board also reflect that geographic diversity. Payment of directors&#146; remuneration in United States dollars, a global currency, will facilitate the Company&#146;s ability to attract and retain
directors globally and be competitive with other large global financial institutions with comparable scope and complexity. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Director
Independence </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Established a director independence policy which complies with the requirements for independence to which the Company is subject and reviewed the independence
qualifications of each director in accordance with these requirements (see &#147;Independence of the Board&#148; on page&nbsp;72 for details on determining director independence). This annual review considered the employment status of the director
(and his or her spouse and children, if applicable), other board memberships, Company shareholdings and business relationships and, for members of the (i)&nbsp;Audit Committee, any consulting, advisory or other compensatory fee received from the
Company and its affiliates; and (ii)&nbsp;Management Resources and Compensation Committee, the sources of the director&#146;s remuneration. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee confirmed that only one of the directors has a direct or indirect material relationship with the Company which could, in the view of the Board,
be reasonably expected to interfere with the exercise of his independent judgment. As an executive officer of the Company, Mr.&nbsp;Guloien is considered to have a material relationship with the Company and does not meet the independence standards.
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Corporate Governance </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee continually reviews and benchmarks the Company&#146;s governance practices against domestic and international standards.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Corporate governance developments were monitored, existing practices were reviewed and recommendations were made to the Board to enhance the Company&#146;s
corporate governance program. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Provided oversight on the Company&#146;s implementation of OSFI&#146;s Corporate Governance Guidelines, including the adoption of an independence policy and
amendments to the Board Policies and charters of the Board and its committees. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>External Consultant </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">During 2013, the Committee retained the services of Pearl Meyer&nbsp;&amp; Partners and of Hugessen Consulting as noted above. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Fees paid to Hugessen Consulting for their services to the committee were $5,000. Hugessen Consulting was also retained by the Management Resources and
Compensation Committee as described in its report on page&nbsp;28. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Fees paid to Pearl Meyer&nbsp;&amp; Partners for their services to the committee were $31,167</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2">. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Charter
Review and Compliance </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee carried out all of the responsibilities required by its charter. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee reviewed its charter, made recommendations for its amendment to the Board and assessed its performance against its charter.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The charter can be found at www.manulife.com. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">This report has been approved by the members of the Corporate Governance and Nominating Committee. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px;padding-bottom:0px; " ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Robert J. Harding (<I>Chair</I>) (<I>Effective May&nbsp;2, 2013</I>)</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT
STYLE="font-family:arial" SIZE="2"> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Richard B. DeWolfe (<I>Chairman of the Board</I>) </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Joseph P. Caron </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">John M. Cassaday
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Luther S. Helms </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Lorna
R. Marsden </FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>
 <P STYLE="font-size:220px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Fees were paid in U.S. dollars and were converted to Canadian dollars at an average exchange rate of $1.038 per U.S.$1.00. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Hugh Sloan was chair of the Governance Committee until his retirement on May 2, 2013. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>24</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_15"></A>Report of the Audit Committee</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868fraser_new1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868dabarno1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868harding1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868helms1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868palmer_new1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868rosen_x1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Sheila&nbsp;S.&nbsp;Fraser<BR>(Chair)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Susan&nbsp;F.&nbsp;Dabarno</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Robert&nbsp;J.&nbsp;Harding</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Luther&nbsp;S.&nbsp;Helms</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">John&nbsp;R.V.&nbsp;Palmer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Andrea&nbsp;S.&nbsp;Rosen</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>RESPONSIBILITIES </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2">The Audit Committee assists the Board in its oversight role respecting: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The quality and integrity of financial information. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The effectiveness of the Company&#146;s internal control over financial reporting. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The effectiveness of the Company&#146;s risk management and compliance practices. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The performance, qualifications and independence of the independent auditor. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Compliance with legal and regulatory requirements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The review of policies governing the process by which risk assessment and management is undertaken. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The performance of the Company&#146;s Finance, Actuarial, Internal Audit and Global Compliance functions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s ethical standards. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Conflicts of interest, protection of confidential information and customer complaints. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Arrangements with individuals or entities related to the Company, and transactions that could have a material impact on the stability or solvency of the
Company. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>INDEPENDENCE </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">All committee members are independent. See &#147;Independence of the Board&#148; on page&nbsp;72 for details on determining director independence. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>FINANCIAL LITERACY AND AUDIT COMMITTEE FINANCIAL EXPERTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee and the Board have
reviewed the committee membership and determined that all members are financially literate as required by the New York Stock Exchange Listed Company Manual and the applicable instruments of the Canadian Securities Administrators. The Board has also
determined that all current members have the necessary qualifications to be designated as audit committee financial experts under the Sarbanes-Oxley Act of 2002 (&#147;SOX&#148;). </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>2013 HIGHLIGHTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee, at its five meetings in 2013 reviewed, analyzed, discussed,
made recommendations and approved a variety of matters, which include the following highlights, all in accordance with its charter: </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Meetings
</B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chairman of the Board and the CEO attended the meetings at the invitation of the committee Chair, where committee meeting scheduling permitted.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> without management at the end of each meeting. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee had direct communication and <I>in camera</I> meetings with each of the Chief Auditor; the independent auditor; the Appointed Actuary; the
General Counsel to review the management of legal and
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2" COLOR="#000000">&nbsp;</FONT></TD>
<TD WIDTH="1"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
compliance risks; and the Chief Financial Officer to review management&#146;s financial stewardship and risk management. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Annual Statement </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and discussed with management and the independent auditor, Ernst&nbsp;&amp; Young, and recommended for approval by the Board, the 2012 annual audited
financial statements and 2013 quarterly unaudited financial reports of the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Discussed with Ernst&nbsp;&amp; Young all matters required to be discussed by professional auditing guidelines and standards in Canada and the United States.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received the written disclosures from Ernst&nbsp;&amp; Young in accordance with the standards of the Canadian Institute of Chartered Accountants and the
Public Company Accounting Oversight Board in the United States. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Independent Auditor </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the independence and qualifications of Ernst&nbsp;&amp; Young based on its disclosure of its relationship with the Company.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Recommended the reappointment of Ernst&nbsp;&amp; Young as the Company&#146;s independent auditor for approval by the shareholders.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In accordance with the Protocol for Approval of Audit and Permitted Non-Audit Services established by the committee, pre-approved recurring audit and
non-audit services that were identifiable for the coming year including terms and fees and approved audit and non-audit services proposed during the year. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the scope and plan of the annual audit with Ernst&nbsp;&amp; Young and management and recommended Ernst&nbsp;&amp; Young&#146;s 2013 compensation to
the Board for approval. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed management&#146;s report on its assessment of internal controls over financial reporting and the independent auditor&#146;s attestation on
management&#146;s assessment and discussed with management and the independent auditor. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> with Ernst&nbsp;&amp; Young. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Oversight Functions </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the mandates of the Chief Financial Officer, the Chief Actuary, the Chief Auditor and the Global Compliance Chief and of the Finance,
Actuarial, Internal Audit and Global Compliance functions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the budget, structure, skills and resources of each of these oversight functions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the performance evaluation of the heads of each of these oversight functions and assessed the effectiveness of these individuals and their respective
functions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the compensation of the Chief Auditor.
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>25</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Internal Audit </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the independence and qualifications of the internal audit function. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the audit plan of the internal audit function. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed internal audit&#146;s periodic reports on its activities and the results of the audits. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> with the Chief Auditor. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Appointed Actuary </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed reports, opinions and recommendations prepared by the Appointed Actuary of the Company including the report on Dynamic Capital Adequacy Testing which
is also reviewed by the Risk Committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the results of the external peer review of work performed by the Appointed Actuary. The review was conducted by an independent peer reviewer in
accordance with the requirements of OSFI Guideline <FONT STYLE="white-space:nowrap">E-15.</FONT> </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> with the Appointed Actuary and the independent peer reviewer. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Financial Reporting </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received updates from management on significant future changes to the accounting principles and practices. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed significant financial reporting issues and judgments made in connection with the preparation of financial statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the certification process for annual and interim filings with applicable securities regulatory authorities with the CEO and the CFO.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Monitored the Company&#146;s SOX certification requirements and SOX compliance. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Financial statements and Management&#146;s Discussion and Analysis were presented for review by the Audit Committee at meetings scheduled prior to Board
meetings. The Audit Committee provided a report and recommendation to the Board with respect to financial disclosure of the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received reports from the Chair of the Disclosure Committee, as appropriate and approved the Company&#146;s earnings press releases, quarterly and annual
financial statements and quarterly and annual Management&#146;s Discussion and Analysis. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed procedures for receiving confidential submissions by employees of concerns regarding questionable accounting or auditing matters.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> with the Chief Financial Officer. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Risk Management </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and discussed guidelines and policies governing the process by which risk assessment and management is undertaken. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received a report from the Chief Risk Officer setting out an overview of the Risk Committee&#146;s and management&#146;s process for risk assessment and
management, including the Company&#146;s Enterprise Risk Management framework, risk philosophy and appetite, Company and business unit risk targets; risk considerations embedded in business management and incentive compensation plans; the
Company&#146;s risk oversight structure; and the Operational Risk Management framework and program. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received the Chief Risk Officer&#146;s Report on the Company&#146;s Information Risk Management Program.
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the General Counsel&#146;s report on legal matters that may have a material impact on the Company. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Regulatory Compliance and Anti-Money Laundering/Anti-Terrorist Financing Program </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the Global Chief Compliance Officer&#146;s report on the Company&#146;s compliance with applicable laws and regulations.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and discussed the Chief Anti-Money Laundering Officer&#146;s report on the Company&#146;s <FONT STYLE="white-space:nowrap">Anti-Money</FONT>
Laundering/Anti-Terrorist Financing program (the &#147;AML/ATF Program&#148;). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received the Chief Auditor&#146;s report on the testing of the effectiveness of the AML/ATF Program. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> with the Global Compliance Chief. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Highlights of the Conduct Review and Ethics Responsibilities in 2013 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2013, the Audit
Committee accomplished the following in accordance with the committee&#146;s charter: </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Ethical Standards </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Carried out its annual review of the Code of Business Conduct and Ethics (the &#147;Code&#148;), received management&#146;s report on the Ethics Hotline (the
third party reporting system that permits employees to submit their ethics concerns anonymously), the Code training and certification process and the conflict of interest disclosure statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Confirmed that no executives or directors requested a waiver of the Code and that no waivers were granted. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and assessed the procedures relating to conflicts of interest and the procedures to restrict the use of confidential information.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Self-Dealing and Disclosure Requirements </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the effectiveness of the related party transaction procedures and practices to ensure the identification of any material related party transactions.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received a report from management that there were no material related party transactions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed procedures for dealing with complaints made by customers having requested or received products or services in Canada from the Company.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Charter Review and Compliance </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee carried out all of the responsibilities required by its charter. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee reviewed its charter, made recommendations for its amendment to the Board and assessed its performance against its charter.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The charter can be found at www.manulife.com. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:2px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">This report has been approved by the members of the Audit Committee. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px;padding-bottom:0px; " ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Sheila S.
Fraser (<I>Chair</I>) (<I>Effective May&nbsp;2, 2013</I>)</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Susan F. Dabarno </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Robert J. Harding
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Luther S. Helms </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">John
R.V. Palmer </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Andrea S. Rosen </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="16" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Richard DeWolfe was chair of the Audit Committee prior to May&nbsp;2, 2013.
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>26</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_16"></A>Report of the Risk Committee</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP ALIGN="center">


<IMG SRC="g655868palmer_new1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center">


<IMG SRC="g655868fraser_new1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center">


<IMG SRC="g655868hand1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center">


<IMG SRC="g655868lindsay1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center">


<IMG SRC="g655868prieur1.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center">


<IMG SRC="g655868webster_new.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">John&nbsp;R.V.&nbsp;Palmer</FONT><br><FONT STYLE="font-family:arial" SIZE="1">(Chair)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Sheila&nbsp;S.&nbsp;Fraser</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Scott&nbsp;M.&nbsp;Hand</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Donald&nbsp;R.&nbsp;Lindsay</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">C.&nbsp;James&nbsp;Prieur</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Lesley&nbsp;D.&nbsp;Webster</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD></TR></TABLE>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>RESPONSIBILITIES </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Risk Committee assists the Board in its oversight of the Company&#146;s management of its principal risks including: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewing the principal risks of the Company identified by management and assessing whether the key risks of the Company have been identified. The principal
risks include market, credit, insurance and operational risks. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewing and evaluating a range of stress tests, implications of potential stress scenarios and emerging risks developed by management to identify new or
evolving risks to the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewing and approving management&#146;s recommended policies, procedures and controls used to identify, assess and manage the Company&#146;s principal
risks. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Assessing the Company&#146;s programs, procedures and controls in place to manage its principal risks. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewing the Company&#146;s compliance with its risk management policies. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>INDEPENDENCE </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">All committee members are independent. See &#147;Independence of the Board&#148;
on page&nbsp;72 for details on determining director independence. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 HIGHLIGHTS </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee, at its nine meetings in 2013 reviewed, analyzed, discussed, made recommendations and approved a variety of matters, which include the
following highlights, all in accordance with its charter: </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Meetings </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chairman of the Board and the CEO attended the meetings at the invitation of the committee Chair. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> without management at the end of each meeting. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Oversight of Risk Management </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed management&#146;s recommendations for the Company&#146;s risk appetite and Enterprise Risk Policy and recommended them to the Board for approval.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed (a)&nbsp;risk management policies, to seek to ensure they remain appropriate to effectively identify, assess and manage the Company&#146;s principal
risks; and (b)&nbsp;the risk targets for principal risks and any exposures exceeding those designated targets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed reports, presentations and other information presented by the Chief Risk Officer, the Risk Disclosure Committee and the Disclosure Committee, as
appropriate and members of management, related to the Company&#146;s risk exposures, stress tests and emerging risks and associated programs, procedures and controls in place to manage its principal risks for each Business Division and for the
Company as a whole. </FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed reports from the Chief Auditor, relating to the adequacy and effectiveness of the Company&#146;s procedures and controls to manage its principal
risks. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the Dynamic Capital Adequacy Testing report and the internal capital target recommendation prepared by the Chief Actuary.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the insurance limits for the Company&#146;s Financial Institutions Bond to be established in compliance with the Protection of Assets (Insurance
Companies) Regulation of the <I>Insurance Companies Act</I> (Canada). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed information related to the Company&#146;s principal risk exposures and trends. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the alignment of the incentive compensation programs and risk management objectives. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the risk impact of the business plan and new business initiatives, including consistency with the approved risk appetite and related risk management
and controls. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received reports on the Company&#146;s hedging programs. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received updates on significant regulatory issues. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Received the Audit Services Report, the semi-annual Regulatory Compliance Report and the Litigation Report, all of which were presented to the Audit
Committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> with the Chief Risk Officer. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Group Risk Management </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the mandates of the Chief Risk Officer and of the Group Risk Management function. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the budget, structure, skills, resources and independence of the Group Risk Management function. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the performance evaluation of the Chief Risk Officer and assessed the effectiveness of the Group Risk Management function.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Charter Review </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee carried out all of the responsibilities required by its charter. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee reviewed its charter, made recommendations for its amendment to the Board and assessed its performance against its charter.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The charter can be found at www.manulife.com. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">This report has been approved by the members of the Risk Committee. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">John R.V. Palmer <I>(Chair)</I>
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Sheila S. Fraser </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Scott
M. Hand </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Donald R. Lindsay </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">C. James Prieur </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Lesley D. Webster
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>27</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>

<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_17"></A>Report of the Management Resources and Compensation
Committee</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868cassaday1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868caron1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868hand1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868hsieh1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868marsden1.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g655868webster_new.jpg" ALT="LOGO">
&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">John&nbsp;M.&nbsp;Cassaday</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">(Chair)
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Joseph&nbsp;P.&nbsp;Caron</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Scott&nbsp;M.&nbsp;Hand</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="white-space:nowrap">Tsun-yan&nbsp;Hsieh</FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Lorna&nbsp;R.&nbsp;Marsden</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Lesley&nbsp;D.&nbsp;Webster</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>RESPONSIBILITIES </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee assists the Board (or any committee of the Board) in its oversight role respecting: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s global human resources strategy, policies and programs. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Matters relating to the appropriate utilization of human resources within the Company with special focus on management succession, development, compensation
and the evaluation of performance and recommendations for compensation for the CEO, all members of the Executive Committee and the heads of the oversight functions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Disclosure of relevant information on executive compensation to the Company&#146;s shareholders. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>INDEPENDENCE </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">All committee members are independent. See &#147;Independence of the Board&#148; on page&nbsp;72 for details on determining director independence.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In accordance with the Board Policies, no more than one third of the committee&#146;s members are currently a chief executive officer of another public
company and at least one committee member is experienced in executive compensation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The CEO is not involved in the committee member selection process. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>2013 HIGHLIGHTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee, at its seven meetings in 2013 reviewed, analyzed, discussed,
made recommendations and approved a variety of matters, which include the following highlights, all in accordance with its charter: </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Meetings
</B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chairman of the Board, the CEO, other members of management and the Board&#146;s independent advisor Hugessen Consulting attended meetings at the
invitation of the committee Chair. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> without management at the end of each meeting. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Compensation Program </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Completed the annual review of the Company&#146;s compensation programs, including base pay, incentives, pension and benefit plans and made recommendations to
the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Modified and approved the peer groups used for assessing compensation for the CEO and the Senior Executive Vice Presidents.
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed management&#146;s report on Sales and Investment Incentive Compensation Plan Governance. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed Internal Audit&#146;s report on the compensation programs alignment with the Financial Stability Board&#146;s Principles for Sound Compensation
Practices. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed, on a quarterly basis, the Company&#146;s performance against targets established under the annual and mid-term incentive plans.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Executive Performance Assessment and Compensation </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the CEO&#146;s annual objectives. Assessed the CEO&#146;s performance against these objectives and recommended compensation awards for
the CEO for approval by the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the performance assessments and approved the objectives of the members of the Executive Committee and the heads of the oversight functions following
a review with the CEO. This included a review of the executives&#146; contribution to a culture of integrity and their management of risk. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and approved the 2013 executive compensation for members of the Executive Committee and the heads of the oversight functions.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and recommended to the Board for approval, the Company&#146;s 2013 compensation policies, programs and payouts. This included the metrics for the
balanced scorecard for the annual incentive plan, the design of the annual and medium-term incentive plans, and the equity mix for Executive Committee members and the heads of the oversight functions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Confirmed the alignment of the compensation program and payouts with the Company&#146;s risk management objectives. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Executive and CEO Succession </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed the succession process for the CEO and oversight of the succession process for the members of the Company&#146;s Executive Committee.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Assessed the readiness to fill potential vacancies and gaps in the readiness. The results of the succession planning exercise were reported to the Board. (See
&#147;Talent and Succession Planning&#148; and the &#147;Statement of Corporate Governance Practices&#148; on pages&nbsp;62 and 72 for a description of Manulife&#146;s succession planning process and philosophy.) </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Met <I>in camera</I> with the CEO to review the CEO&#146;s direct reports and the potential successors with a focus on qualifications required for the
position, the competencies and development considerations for each
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>28</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2" COLOR="#000000">&nbsp;</FONT></TD>
<TD WIDTH="1"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
potential successor candidate, and the performance of individual executives in their current roles. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Considered the performance of the CEO and recommended his re-appointment as CEO upon his successful election to the Board at the Annual and Special Meeting.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviewed and recommended to the Board for approval several executive appointments arising from the organizational re-design process.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>External Consultant </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The committee has retained Hugessen Consulting to act as its independent advisor and to provide it with advice and guidance on compensation issues since 2006. All work undertaken by Hugessen Consulting was
pre-approved by the committee Chair. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Hugessen Consulting&#146;s fees for executive compensation consulting services provided to the
Management Resources and Compensation Committee in 2013 were $346,832, compared with $258,905 in 2012. Services included participation at committee meetings, reviewing and providing advice on compensation related decisions and reporting on
compensation trends. Hugessen Consulting also provided services to the Corporate Governance and Nominating Committee as described in its report on page&nbsp;23. Hugessen Consulting does not provide any other services to the Company. </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee also assessed Hugessen Consulting&#146;s independence. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee also adopted amendments to its charter that provide that any proposed retainer by management of any independent advisor previously
retained by the committee must be submitted to the committee for pre-approval. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Charter Review and Compliance </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee carried out all of the responsibilities required by its charter. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee reviewed its charter and made recommendations for its amendment to the Board and assessed its performance against its charter.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The charter can be found at www.manulife.com. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The members of the Management Resources and Compensation Committee approved this report and reviewed and recommended to the Board for approval, the &#147;Compensation Discussion and Analysis&#148; section of this
Proxy Circular. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">John M. Cassaday<I> (Chair)</I> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Joseph P. Caron </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Scott M. Hand </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Tsun-yan Hsieh </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Lorna R. Marsden
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Lesley D. Webster
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>29</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.43em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_18"></A>To Our
Shareholders</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s executive compensation program is designed to encourage and reward our leaders for delivering
results and creating sustainable long-term value for shareholders. Pay for performance and alignment with shareholder interests are the philosophies guiding our approach to executive compensation. In addition, good governance principles and
practices, and the alignment of our compensation programs with the Financial Stability Board&#146;s Principles for Sound Compensation Practices, drive our executive compensation program plan design. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s Board of Directors&#146; executive compensation decisions are made after considering the recommendations of the Management Resources
and Compensation Committee (&#147;MRCC&#148;). The MRCC uses the services of an independent advisor to provide advice on compensation-related decisions and to report on external compensation trends. We continually benchmark our compensation program
against our peers to ensure we provide competitive compensation opportunities in order to attract, retain and motivate our executives. And finally, the Board of Directors engages with our shareholders and shareholder advocacy groups to ensure their
views are considered when reviewing our compensation program. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Overall, Manulife had strong performance in 2013, however there were a
limited number of areas where we did not fully achieve our objectives. We saw our strategy deliver strong operating results and tangible progress was made toward our <FONT STYLE="white-space:nowrap">long-term</FONT> objectives. Our efforts over the
past five years to strengthen our capital, reduce risk and redesign our products helped generate positive 2013 results and positioned the Company for continued strong performance in the future. Our efforts have also been reflected in our stock price
and resulted in a 60% Total Shareholder Return in Canadian dollars for 2013. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">As a result of constructive feedback from our shareholders,
we have made changes to this year&#146;s Compensation Discussion&nbsp;&amp; Analysis (&#147;CD&amp;A&#148;). There was a desire for more clarity and insight into our executive compensation program, 2013 incentive payouts and key governance
structures. Additionally, in consideration of the positive progression in the Company&#146;s performance over the past three years, the Board of Directors has made several changes to the executive compensation program for 2014 to ensure our programs
continually evolve, align with our strategic direction and create value for our shareholders. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">At the 2014 Annual and Special Meeting, we
will once again hold a non-binding shareholder advisory vote on our approach to executive compensation, and we look forward to your feedback. The Board of Directors will continue to review Manulife&#146;s executive compensation program to ensure it
is aligned with the interests of shareholders and our pay for performance philosophy. </FONT></P> <P STYLE="font-size:36px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR>
<TD VALIGN="top"> <P ALIGN="justify">


<IMG SRC="g655868g38h38.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify">


<IMG SRC="g655868g29r80.jpg" ALT="LOGO">
</P></TD></TR>
<TR>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">John Cassaday</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Richard B. DeWolfe</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><I>Chairman of the Management Resources</I></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><I>Chairman of the Board</I></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:arial" SIZE="2"><I>and Compensation Committee</I></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>30</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.43em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_18a"></A>Executive Summary</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Introduction </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">At Manulife, our compensation philosophy and strategy is to pay for performance against our short, medium and long-term goals. We believe that our
multi-faceted executive compensation plans provide an effective framework that aligns with our business and by which progress against our strategic goals may be appropriately measured and rewarded. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The positive results of 2013 are reflected in the payouts under the 2013 Annual Incentive Plan and the Restricted Share Units that vested in 2013.
On the other hand, the Performance Share Units that vested in 2013 reflect the business performance challenges we faced in 2011 and 2012, and paid out below the award date value. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>2013 Notable Business Results </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Delivered a Total Shareholder
Return</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> of 60% </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Achieved core earnings</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT
STYLE="font-family:arial" SIZE="2"> of $2.62 billion, a 16% increase over 2012 </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Achieved net income attributed to shareholders of $3.13 billion versus a 2012 result of $1.81 billion </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Achieved record funds under
management</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> of $599 billion </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Achieved new business embedded
value</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> of $1.2 billion, up 16% from 2012 </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Increased MLI&#146;s Minimum Continuing Capital and Surplus Requirements (&#147;MCCSR&#148;) ratio by 37 points over year end 2012 to 248%
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Achieved record wealth
sales</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> of $49.7 billion, up 37% from 2012 </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reported insurance sales of $2.8 billion, down 13% from 2012, but with higher margins </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Achieved substantive progress against our long term strategic priorities which include developing our Asian opportunity to the fullest; growing our wealth and
asset management business; continuing to build our balanced Canadian franchise and continuing to grow higher ROE, lower risk U.S. businesses </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="2"><B>


<IMG SRC="g655868g85z96.jpg" ALT="LOGO">
 </B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Annual Incentive Plan Payouts </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Under the Annual Incentive Plan, Company performance is measured by the results of our balanced scorecard, which aligns with our business strategy, and has three components: (i) Financial Goals; (ii)&nbsp;Operating
Targets; and (iii)&nbsp;Strategic Initiatives. Specific objectives, often quantitative, are set for each category, as indicated below. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="9" NOWRAP ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan &#150; Balanced Scorecard for NEOs</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Financial Goals</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>[34%]</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Operating Targets</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>[33%]</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Strategic Initiatives</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>[33%]</B></FONT></P></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Annual profit measure &#150; tied to current year results</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Measures such as sales, new business embedded&nbsp;value,&nbsp;expense&nbsp;management, customer retention and risk goals</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Complex, multi-year initiatives undertaken in the current year</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center">
<P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="3"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#113;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="3"></FONT></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="3"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#113;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="3"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="3"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#113;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="3"></FONT></FONT></TD></TR>

<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Results of current<BR>year profitability</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Indicators of both current<BR>and future performance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Actions implemented to position the Company for future success</FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>

<TR>
<TD VALIGN="top" ALIGN="center" BGCOLOR="#cccccc"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>2013 Result: 152% of Target</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>2013 Result: 113% of Target</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>2013 Result: 122% of Target</B></FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>

<TR BGCOLOR="#cccccc">
<TD VALIGN="top" COLSPAN="9" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Company Performance Score: 129% of Target (for details see pages 39-41)</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2013, each NEO&#146;s annual incentive award was calculated by applying the Company performance score of 129% and
an individual performance multiplier (IPM), which is an assessment of each NEO&#146;s individual contribution to the success of the organization. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Source: Bloomberg </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; on page 70. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>31</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Medium-Term and Long-Term Incentive Plan Payouts </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Our medium-term incentive plan is comprised of Restricted Share Units and Performance Share Units. Our long-term incentive plan is comprised of
Stock Options. The Restricted Share Units and Performance Share Units cliff vest within three years from the award date. The Performance Share Units that vested in 2013 paid out based on the Company&#146;s performance against three key measures over
the 2011-2013 vesting period: net income, return on equity and MCCSR ratio. Stock options vest ratably over four years and have a ten year term. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Restricted Share Units that vested in 2013 paid out at 117% of the award date value due to the appreciation in Manulife&#146;s stock price over the vesting period, illustrating the alignment with shareholder
value. Our Performance Share Units that vested in 2013, however, paid out at 95% of the award date value because the Company&#146;s financial performance was below expectations in 2011 and 2012. Please see page 42 for further details on the 2013 PSU
payouts. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Pay for Performance and Shareholder Alignment </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Manulife annually reviews its executive compensation program to ensure that it is competitive, drives the right behaviors, aligns executive interests with those of shareholders and that incentive awards are
appropriate in light of the Company&#146;s results. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">To illustrate the effectiveness of our executive compensation program and alignment
with our pay for performance philosophy, we have compared Manulife&#146;s Total Shareholder Return performance and CEO cumulative &#147;Take Home Pay&#148; (as a percentage of target total direct compensation) against our Compensation Peer Group.
Over the four-year period from 2009 to 2012, Mr.&nbsp;Guloien&#146;s Take Home Pay has been 53% of his target compensation, reflecting lower shareholder return against the peer group median of 133% of target compensation. The regression line below
highlights this link between pay and performance relative to Manulife&#146;s peers. CEOs of companies above the line have realized more compensation for a given level of return while CEOs of companies below the line have realized less compensation
for that level of return. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655868g00v55.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P><div style="width:100%;margin-left:0%; margin-right:0%;background-color:#d8d8d8;padding-top:2px;padding-bottom:3px">
<P STYLE="margin-top:0px;margin-bottom:0px;padding-top:6px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="4"><B>Key Executive Compensation Changes for 2014 </B></FONT></P>
<P STYLE="margin-top:4px;margin-bottom:0px; margin-left:7%;margin-right:7%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2013, we spent considerable time listening to our shareholders. In response to the feedback received, we made
changes to our 2014 executive compensation program. The following changes are in alignment with our evolving strategy and results, and our goal of ensuring continued alignment of our program with shareholders&#146; interests: </FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Amended the entitlement under the CEO&#146;s change in control agreement from three times base salary and bonus to two times base salary and bonus in
consideration of market practice and feedback received; </FONT></P></TD>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Redistributed the CEO&#146;s target total direct compensation mix by reducing the proportion of annual incentive and increasing the proportion of medium and
long-term incentives to put greater emphasis on the longer-term success of Manulife; </FONT></P></TD>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Added Relative TSR as a new performance condition to our PSUs. We believe including Relative TSR as a measure will result in executive payouts that better
reflect the market&#146;s view of our achievements and further align executive pay with shareholder objectives. We continue to believe return on equity, net income and MCCSR ratio are key indicators of multi-year performance; </FONT></P></TD>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Introduced a simplified balanced scorecard for the 2014 Annual Incentive Plan with an increased weighting on profitability measures to ensure our program
aligns with business strategy; and </FONT></P></TD>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Terminated the stock option plan applicable to non-employee Directors. </FONT></P></TD>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px;padding-bottom:6px; margin-left:7%;margin-right:7%" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">These changes are further described
in the &#147;Executive Compensation Program&#148; section on page 35 and the section titled &#147;Director Compensation &#150; Stock Options&#148; on page 21. </FONT></P></div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>32</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.43em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_19"></A>Executive
Compensation</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Table of Contents: </B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Discussion and Analysis</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page&nbsp;33</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Program Objectives, Philosophy and Principles</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 33</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Compensation Program</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 35</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2013 Performance and Incentive Plan Results</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 39</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Named Executive Officers&#146; Compensation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 42</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Governance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 50</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Decision Process</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 51</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Managing Risk Associated with Compensation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 53</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Summary Compensation
Table</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 55</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Outstanding Share-Based Awards and
Option-Based Awards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 56</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Incentive Plan Awards &#150; Value Vested
or Earned During the Year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 57</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Performance Graph</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 57</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additional Disclosure</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 58</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pension Plans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 62</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination and Change In Control
Benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities Authorized for Issuance Under
Equity Compensation Plans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 69</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors&#146; and Executive Officers&#146; Indebtedness</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 70</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_20"></A>Compensation Discussion and
Analysis</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Compensation Discussion and Analysis describes Manulife&#146;s executive compensation objectives, philosophy and
principles. It also describes the 2013 compensation program and discusses the outcomes it produced with supporting details, including highlights of the Company&#146;s performance in 2013. The Total Compensation paid to the Named Executive Officers
(&#147;NEOs&#148;) (Messrs. Guloien, Roder, Thomson, Rooney and Bisnaire) for 2013 is set out in the Summary Compensation Table on page 55. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_21"></A>Compensation Program Objectives, Philosophy
and Principles</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation Program Objectives </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The objective of Manulife&#146;s compensation program is to contribute to the Company&#146;s long-term sustainable growth by retaining talented executives and staff, and rewarding superior performance in executing
the business strategy for the long-term benefit of shareholders. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation Philosophy &#150; Pay for Performance </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s compensation philosophy is &#147;pay for performance&#148;. Compensation is tied to the achievement of the Company&#146;s
short-term, medium-term and long-term goals. In practice, this has meant that when the Company&#146;s performance is strong, incentive compensation has paid out above target and when the Company&#146;s performance is not strong, incentives were
significantly reduced, in some cases to zero. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>33</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation Principles </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Compensation decisions at Manulife are guided by five core principles. Examples of each principle are provided below and further described throughout the &#147;Compensation Discussion and Analysis&#148; section.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#d8d8d8">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>


<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2" STYLE="BORDER-RIGHT:4px solid #ffffff">&nbsp;</TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation is aligned<BR>with business strategy</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s executive compensation
program is designed to tie executive compensation to the achievement of key metrics and objectives. The Annual Incentive Plan uses a balanced scorecard that places a balanced emphasis on financial goals, operating targets and successful execution of
strategic initiatives. Rewards under the Annual Incentive Plan are based on a combination of Company, division and/or business unit and individual performance objectives. Performance share units vest based on achievement against defined performance
measures. For further information, please see the &#147;Executive Compensation Program&#148; section on page&nbsp;35.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:4px solid #ffffff; BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation is aligned with<BR>risk management objectives</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s executive compensation program is aligned with
the Company&#146;s risk management objectives and discourages inappropriate risk taking. Manulife has established a Compensation Risk Framework to provide a structure for the review of risk associated with the compensation program and the design
features that mitigate these risks. Within the framework, risk is identified under Business Risk, Talent Risk, Performance Risk and Compliance &amp; Ethical Risk against which the compensation program is assessed annually. This Compensation Risk
Framework is further described under &#147;Managing Risk Associated with Compensation&#148; on page 53. Incentive compensation for executives with divisional control function responsibility is independent of the businesses that they
supervise.</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2" STYLE="BORDER-RIGHT:4px solid #ffffff">&nbsp;</TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation is aligned with<BR>long-term shareholder value</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s executive compensation
program is designed to incent executives to take a long-term view to increasing shareholder value. Senior executives have a substantial proportion of their compensation delivered in medium and long-term incentives that are directly impacted by share
price. Please see the &#147;Compensation Mix&#148; described on page&nbsp;39. Senior executives are also required to maintain a minimum level of share ownership to ensure alignment with shareholder return. Manulife has a number of policies,
including a Clawback Policy, in place to discourage executives from making decisions which could have a negative impact on long-term shareholder value.</FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:4px solid #ffffff; BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation and performance are<BR>benchmarked against peer companies</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s executive compensation program is regularly
benchmarked against peer companies to ensure our ability to attract and retain talented executives and staff. The Management Resources and Compensation Committee annually reviews and approves the group of peer companies to be used as a comparator
for senior executive compensation. The criteria used in selecting peer companies in 2013 included market capitalization and assets, competitor for talent, similar lines of business and international footprint. Please see page 52 for further
information on the peer group.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5" COLSPAN="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="5"> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation is aligned with good governance
practices</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife continually
monitors the business environment to stay at the forefront of good governance practices. The Company&#146;s executive compensation program is aligned with the Financial Stability Board (&#147;FSB&#148;) Principles and is generally consistent with
the Canadian Coalition of Good Governance&#146;s Executive Compensation Principles and Proxy Circular Disclosure Best Practices. The Company&#146;s Internal Audit department conducts an annual independent review of the executive compensation program
which, in 2013, confirmed alignment with the FSB Principles. Please see page 50 for further information on Manulife&#146;s compensation governance practices.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>34</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_22"></A>Executive Compensation
Program</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s executive compensation program has five key components as outlined below. The program governs
compensation for all executives globally, including the CEO and the other NEOs. For details on the specific compensation arrangements of our NEOs, please see page 42. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Base Salary</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Short-Term Incentive</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Medium-Term and Long-<BR>Term Incentives</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Pension and Benefits</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Perquisites</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Provides a stable compensation base&nbsp;over&nbsp;the course of the year for competency and<BR>proficiency in the role</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Provides incentive based<BR>on&nbsp;company&nbsp;and&nbsp;individual<BR>achievement&nbsp;over&nbsp;a&nbsp;single<BR>year period</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Provides incentive based<BR>on&nbsp;company&nbsp;and&nbsp;individual<BR>achievement over a multi-<BR>year period</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Assists employees in<BR>providing&nbsp;for&nbsp;their&nbsp;health<BR>and retirement planning</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Provides additional benefits<BR>to employees consistent with<BR>competitive local market<BR>practice</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><U>Base Salary </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Base salary compensates executives for competency and proficiency in performing job responsibilities. It recognizes promotions and career progression and provides a stable compensation base over the course of the
year. Base salaries and salary ranges are benchmarked at least annually externally against comparable roles in peer companies and internally against the performance, qualifications and experience of other executives. Manulife&#146;s philosophy is to
target the median of the competitive market. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><U>Short-Term Incentive (Annual Incentive Plan) </U></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The short-term incentive is intended to reward officers for the Company&#146;s achievement of business results against pre-established financial,
operating and strategic objectives as well as individual performance over a calendar year. The Annual Incentive Plan (&#147;AIP&#148;) encourages senior staff to optimize overall division and Company performance while creating a focus for near-term
organizational priorities that will result in sustainable performance over time. Under the AIP, awards are paid in cash in February following the performance year and calculated based on the formula set out below. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="15%"></TD></TR>


<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Base Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>AIP
Target</B></FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>(Percentage of Base
Salary)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>X</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Company Performance Score<BR>(Balanced
Scorecard)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Individual Performance Multiplier</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>=</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual Incentive
Award</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Varies by individual qualifications, experience and
performance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Targets are determined individually based on competitive market data and
the executive&#146;s level.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;34% Financial Goals</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;33% Operating Targets</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;33% Strategic Initiatives</FONT></P>
<P STYLE="font-size:35px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Range = 0 - 200%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Varies by individual and is
measured against personal objectives set for the year taking into consideration business results and how they were achieved</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Range = 0 - 200%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Payout ranges from zero to a maximum of 2.5x target for
senior executives and&nbsp;1.75x target for the CEO</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan Balanced Scorecard </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company&#146;s performance is measured against a balanced scorecard comprised of financial goals, operating targets and strategic initiatives as follows: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2" BGCOLOR="#f2f2f2"></TD>
<TD HEIGHT="8" COLSPAN="2" BGCOLOR="#f2f2f2"></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="3"><FONT STYLE="font-family:arial" SIZE="2">


<IMG SRC="g655868g98z62.jpg" ALT="LOGO">
</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#f2f2f2"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" BGCOLOR="#f2f2f2"><FONT STYLE="font-family:arial" SIZE="1"><B>Financial Goals</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#f2f2f2"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#f2f2f2"><FONT STYLE="font-family:arial" SIZE="1">Based&nbsp;on&nbsp;Company&nbsp;net&nbsp;income&nbsp;excluding&nbsp;the&nbsp;direct&nbsp;impact of equity markets and interest rates, adjusted up or down for items
clearly outside of management&#146;s control and actions taken with negative impact on earnings but in the long-term interests of shareholders.</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:arial" SIZE="1"><B>Operating Targets</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:arial" SIZE="1">Based on new business measures (such as sales, new business embedded value and risk), customer retention, expense management and investment performance targets, set
annually for each business unit or division. For NEOs, the score for this component is based on the weighted average scores for the divisions.</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Strategic Initiatives</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">Set annually at Company, division or business unit level to align with the Company&#146;s strategic objectives. For NEOs, the strategic initiatives continue to build on
three components: Building for the Future (Growth), Managing Risk and Capital, and increasing efficiency and effectiveness.</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Company performance metrics and goals have been stress-tested to ensure potential payouts continue to be aligned
with business performance. The Board has the discretion to adjust the Company performance score up or down for significant events outside management&#146;s control which would otherwise produce compensation results that are unreasonable,
unrepresentative or otherwise inappropriate. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>35</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Company Performance Score Cap for Senior Executives </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under the 2013 AIP design, the Company performance score for senior executives would have been capped if the net income attributed to shareholders
was below target in order to more closely align the compensation of senior executives to shareholder experience. If net income attributed to shareholders had been between the threshold of $500 million and the target of $2.42 billion, the Company
performance score would have been capped between 50% and 100% for SEVPs and the CEO. The Company performance score would have been capped at 50% if net income attributed to shareholders was $500&nbsp;million or less. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Individual Performance Multiplier </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Individual
performance is assessed against goals focused on major initiatives for the year and an individual&#146;s contribution to the Company. Performance results can be overridden for compliance breaches, breach of authority levels, ethics and gross
negligence and can be adjusted for doing the right thing in the interests of the Company and our shareholders. Individual Performance Multipliers can range from 0% to 200%. </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="90%"></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="3"><B>NEW&nbsp;</B><FONT STYLE="font-family:Times New Roman" SIZE="4"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#240;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="4"><B></B></FONT><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="2"><B>New 2014 Company Performance Scorecard</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">For 2014, the Management Resources and Compensation Committee approved a new Company performance scorecard for
senior executives that is based on performance measures in the following categories: (i)&nbsp;Financial Success; (ii)&nbsp;Building for the Future; and (iii)&nbsp;Other Quantitative Measures of Success. The new scorecard is designed to: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Address feedback received from our shareholders to simplify the AIP </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Align with our Strategic Plan </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Provide clear focus on the key measures that will drive continued successful performance of the business </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Increase the proportion of quantitative measures </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Utilize measures which are readily understood by shareholders and reported externally </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reflect a top-down approach to goal setting at the Company level, whereas in previous years the goals were set at the business unit level and were combined to
establish a composite score for senior executives. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655868g78g63.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below discusses the rationale for the inclusion of each performance measure in the new 2014 Company
performance scorecard. By maintaining a balanced scorecard approach (rather than a single measure), the new scorecard continues to provide motivation to deliver current business results, via the Financial Success and Other Quantitative Measures of
Success categories, while simultaneously positioning the Company for future success via the Building for the Future category. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="17%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR BGCOLOR="#d8d8d8">
<TD HEIGHT="5" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px">&nbsp;</TD>
<TD HEIGHT="5" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="5" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#d8d8d8">
<TD VALIGN="bottom" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance&nbsp;Measure</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Rationale</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>2014&nbsp;Weighting</B></FONT></TD></TR>


<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B>Financial Success:</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>The use of profit measures is most common for executive annual incentive plans and the significant weighting of profitability metrics is aligned with
market practice.</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Net Income</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Net income aligns our compensation with the experience of shareholders.</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Core Earnings</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">We believe core earnings (a non-GAAP financial measure introduced by the Company in 2012) better reflects our
underlying earnings capacity.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Other Quantitative Measures of Success:</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Other Quantitative Measures of Success include key non-profitability measures that will drive continued successful performance of the
business.</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em"><FONT STYLE="font-family:arial" SIZE="1">Sales - New Business<BR>Embedded Value</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">New Business Embedded Value is a measure of profitable sales and is a critical measure of our top-line performance.</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">10%</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Expense Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">The expense management target in 2014 will focus on Efficiency &amp; Effectiveness, the major initiative introduced in 2012 to build meaningful
competitive advantage by leveraging our global scale, our global capabilities and our local market focus to achieve operational excellence.</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">10%</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="text-indent:1.00em" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Financial Flexibility</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">This component of the scorecard includes measures related to effective capital deployment that would enable the
Company to reduce leverage, pay dividends, make acquisitions and sustain strong capital ratios.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">10%</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Building for the Future:</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Strategic Initiatives</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Strategic Initiatives are based on enterprise priorities that will drive growth with a balanced approach to
risk.</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">20%</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>36</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">By including a larger weighting (50%) on our key profit measures, core earnings and net income, the
Management Resources and Compensation Committee has concluded that the AIP will be more closely aligned with shareholder interests. Consequently, the AIP will be further simplified by eliminating the Company Performance Score Cap for senior
executives in 2014. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><U>Medium-Term (RSUs and PSUs) and Long-Term (Stock Options) Incentives </U></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Medium-term and long-term incentives together are intended to drive consistent achievement and provide multi-year ties between executive
compensation and Company performance. Medium-term and long-term incentives also strengthen retention and reinforce alignment with shareholder value, especially for senior executives. Restricted Share Units (&#147;RSUs&#148;), Performance Share Units
(&#147;PSUs&#148;) and stock options are granted annually to executives based on level, individual performance, potential and market competitiveness. As medium-term and long-term incentives comprise the majority of a senior executive&#146;s total
compensation, target award levels are benchmarked annually to ensure competitiveness with the external market. No consideration is given to the outstanding value of an individual&#146;s RSUs, PSUs or stock options in determining the number to be
granted in any given year. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Medium-Term Incentives </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">RSUs are phantom-shares that fluctuate in value with the Common Share price. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#161;</FONT></SUP>&nbsp;
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">RSUs vest within three years and pay out at the end of the award term based on the Common Share price. RSUs are time-vested and serve as both an incentive and
retention tool. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">PSUs are similar to RSUs, but their value depends on both the Common Share price and the achievement of specific performance conditions approved by the Board
of Directors. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#161;</FONT></SUP>&nbsp;
</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">PSUs vest within three years and pay out at the end of the award term. The minimum performance factor is zero and the maximum performance factor is 150%. In
addition, the Board has the discretion to adjust PSU payouts up or down depending on the Company&#146;s progress towards achieving its risk reduction targets. PSUs are designed to focus executives on key measures of business success: net income,
return on equity and minimum continuing capital and surplus requirements. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 PSU Design </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The PSUs granted in 2013 are subject to three internal performance conditions measured over three distinct performance periods to reduce the impact
of a single year&#146;s performance on the overall results. Performance targets are established consistent with the Company&#146;s strategic plan and achieving management&#146;s core earnings objective of $4 billion in 2016 (see &#147;Caution
regarding forward-looking statements&#148; contained in the Company&#146;s 2013 Annual Report). In 2013, we increased the weighting on the net income and return on equity performance conditions to place additional emphasis on consistent achievement
of our earnings objectives. Conversely, the MCCSR ratio weighting was reduced because management had largely completed the major risk and capital actions required to stabilize our capital position. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>37</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The 2012 and 2013 PSUs are subject to the following performance conditions over the applicable
performance period: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR BGCOLOR="#e5e5e5">
<TD VALIGN="top" NOWRAP STYLE="BORDER:1px solid #000000; padding-left:8px"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance Condition</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Description</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2012&nbsp;PSUs<BR>Weighting</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2013&nbsp;PSUs<BR>Weighting</FONT></P></TD></TR>


<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Net income attributed<BR>to shareholders</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Net income attributed to shareholders is tied to Manulife&#146;s Strategic Plan and therefore maintains clear alignment between senior management and
shareholder interests.</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">34%</FONT></TD></TR>
<TR>
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Return on equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Return on equity represents the net income available to common shareholders as a percentage of the capital deployed to earn the income. Return on
equity is a key performance metric not only of profitability, but also of how effectively the Company manages shareholders&#146; capital.</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">33%</FONT></TD></TR>
<TR>
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">MCCSR ratio</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">The MCCSR ratio is a regulatory ratio used by OSFI to evaluate the financial strength of an insurer and, in
particular, its ability to meet its obligations to policyholders. Initiatives to increase the level of this ratio tend to have an offsetting impact on corresponding financial measures such as the return on equity.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">50%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">33%</FONT></TD></TR>
</TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="81%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:arial" SIZE="2"><B>NEW&nbsp;
</B><FONT STYLE="font-family:Times New Roman" SIZE="4"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#240;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="4"><B></B></FONT><B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:arial" SIZE="2"><B>New 2014 PSU Design</B></FONT></TD></TR></TABLE> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">For 2014, the Management
Resources and Compensation Committee approved a change in the PSU performance conditions to more closely align PSU payouts with shareholder experience. In addition to the internal performance conditions used in 2013, the 2014 PSUs have a new
external performance condition, Relative Total Shareholder Return (&#147;Relative TSR&#148;) set up as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="24%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="17%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Internal Performance<BR>Condition</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Weight</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance Score<BR>Range</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>External&nbsp;Performance<BR>Condition</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#d8d8d8"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance&nbsp;Score<BR>Range</B></FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Net
income attributed to shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">34</FONT></P></TD>
<TD NOWRAP VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">0%&nbsp;to&nbsp;150%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Relative&nbsp;TSR</FONT></P></TD>
<TD NOWRAP VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;80%&nbsp;to&nbsp;120%</FONT></P></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Return on equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="middle"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">0%&nbsp;to&nbsp;150%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">MCCSR ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="middle"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">0%&nbsp;to&nbsp;150%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Cumulative TSR is measured over a single period from January&nbsp;1, 2014 to September&nbsp;30, 2016 and compared to
the Performance Peer Group median TSR (see below). Cumulative TSR will be calculated using a 20-day average stock price at both the start and the end of the period. Net income, return on equity and MCCSR targets will be established consistent with
the Company&#146;s stated objective to achieve core earnings of $4 billion and core ROE of 13% in 2016 (see &#147;Caution regarding forward-looking statements&#148; contained in the Company&#146;s 2013 Annual Report). </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Performance Peer Group for the New 2014 PSU Design </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Manulife&#146;s TSR will be compared to the companies in the table below. The Performance Peer Group includes the seven global insurers of the twelve companies included in our Compensation Peer Group (see page 52)
and six additional relevant global insurers. Although the additional companies meet most of the criteria used to establish our Compensation Peer Group (i.e., market cap, assets, competitor for talent and capital, lines of business and international
footprint), they were excluded from the Compensation Peer Group due to limited availability of compensation data. While the Canadian banks are important competitors for capital and for Canadian talent, they are not true competitors for many of our
business lines and may not have the same exposure to macro market influences. As such, they have not been included in the Performance Peer Group for PSUs. The TSRs for Manulife and its North American peers will be based on NYSE stock prices while
the TSRs for peers outside North America will be based on the stock prices on their respective principal exchange, with no currency conversion applied. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="45%"></TD></TR>
<TR>
<TD HEIGHT="5" COLSPAN="3" BGCOLOR="#d8d8d8"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP ALIGN="center" BGCOLOR="#d8d8d8"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance Peer Group</B></FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">AFLAC</FONT></P> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">AIA Group
Limited</FONT></P> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Allianz SE</FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Ameriprise Financial</FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Assicurazioni Generali</FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Aviva plc</FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">AXA SA</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">MetLife</FONT></P> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Principal
Financial</FONT></P> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Prudential Financial</FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Prudential plc</FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Sun Life Financial</FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Zurich Insurance</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Long-Term Incentives </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Stock options granted in 2013 have a maximum exercise period of 10 years and vest 25%&nbsp;per year over four years, serving as a retention tool. We believe stock options continue to provide appropriate motivation
for our executives to deliver sustained performance and increase shareholder value, and enhance retention through time vesting requirements.</FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">For additional details on our medium-term and long-term incentive plans, see &#147;Additional Disclosure&#148; on page 58. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>38</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Medium and Long-Term Incentive Mix </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In 2013, similar to many of our peers, Manulife increased the proportion of PSUs in the compensation mix for its CEO, Senior Executive Vice Presidents and Executive Vice Presidents and decreased the proportion of
stock options. The mix for 2014 remains unchanged from 2013 since we feel it is the appropriate balance of vehicles to drive performance, align executive interests with shareholders, provide for competitive pay opportunities, and enhance retention.
</FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Medium and Long-Term Incentive Mix </B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Executive Level</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2012</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013 /
2014</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>RSUs</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>PSUs</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Stock<BR>Options</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>RSUs</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>PSUs</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Stock<BR>Options</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Chief Executive
Officer/Senior Executive Vice President</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">50%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">35%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">40%</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Executive Vice
President</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">50%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">35%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">35%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30%</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Chief Risk
Officer/Chief Actuary</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">50%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">50%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">70%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30%</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><U>Pension and Benefits </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company sponsors pension plans which assist employees in providing for their retirement. Plans vary by domicile and are administered in a manner consistent with the Company&#146;s overall compensation
philosophy. For additional details on our pension plans, see &#147;Pension Plans&#148; on page 62. Benefit plans reflect local market practice and include group life, disability, health and dental insurance programs. Plans vary by domicile based on
cost and competitive benchmarking. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><U>Perquisites </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Perquisites vary by domicile and are intended to reflect local market practice. The Company does not provide tax gross-ups related to perquisites. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B><U>Target Compensation Mix </U></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">The compensation mix offered to executives varies by level such that:
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">the amount of pay at risk and deferred compensation increases by level, reflecting the greater ability of senior executives to affect the Company&#146;s
results </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">higher level positions have more variability in compensation than lower level positions </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">higher level positions have greater emphasis on total Company results whereas further down in the organization, there is greater emphasis on divisional,
business unit or functional goals, with some emphasis on global results to foster collaboration and a business owner mentality </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The proportion of executives&#146; Total Target Direct Compensation in 2013 that was at risk and/or tied to the Common Share price is illustrated below: </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>


<IMG SRC="g655868g43z11.jpg" ALT="LOGO">
 </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_23"></A>2013 Performance and Incentive Plan
Results</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Incentive Plan Results </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The following section describes the Company performance results for the short-term, medium-term and long-term performance-based incentive plan results for 2013. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan Results </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The
Company performance score is measured based on a balanced scorecard consisting of the Financial Goals, Operating Targets and Strategic Initiatives as described in the previous section. These objectives were developed at the beginning of 2013 by the
CEO and Executive Committee and approved by the Management Resources and Compensation Committee and the Board. For 2013, the Board has applied discretion with a net negative impact on the Company Performance Score. This application of discretion is
in accordance with the AIP design and ensures that the outcome of the AIP is in line with the Company&#146;s compensation philosophy that incentive plans are intended to motivate and reward employees to make decisions and deliver results that are in
the best interests of our shareholders. Discretion was applied both for items clearly outside of </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>39</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
management&#146;s control and for actions taken that negatively impact earnings but are in the long-term best interests of shareholders. In 2013, application of discretion reduced the score of
the Financial Goals component of the scorecard from 182% to 152%. The score for the Operating Targets and Strategic Initiatives components of the balanced scorecard were 113% and 122%, respectively, and are described in more detail in the table
below. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Performance in 2013 was strong and resulted in a Company performance score of 129%, which applied to all Executive Committee
members and Group Functions officers. As Manulife&#146;s net income, excluding the gain from sale of Taiwan Life operations, of $2.78 billion exceeded plan, the Company Performance Score Cap for senior executives, discussed above, did not apply for
2013. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="8%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="4%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="15" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013 Annual Incentive Plan Results</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance Objective</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Weighting</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013
Achievements</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" ROWSPAN="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1"><B>Financial Goals</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The financial goal is based on net income
excluding the direct impact of&nbsp;equity markets and interest rates. The target was set equal to the annual business plan of $2.82 billion.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ROWSPAN="4"> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">34%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="11" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Overall performance against
objectives: Above target (152%)</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income excluding the direct impact of equity markets
and interest rates<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>, gain from sale of Taiwan Life operations and discretionary items was $3.26 billion.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board applied negative discretion that reduced the
score from 182% to 152% for items over which management had little influence, including the positive impact of equity markets on a provision for variable annuity guarantees and changes in tax rates, offset by charges related to increasing the
dynamic hedging program.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Threshold</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Target</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Maximum</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Result</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$500&nbsp;million</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$2.82&nbsp;billion</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$3.66&nbsp;billion</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$3.26&nbsp;billion</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B>Operating Targets</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The operating targets are quantitative
measures set at the business unit and divisional level, based on each business unit/division&#146;s priorities rather than at the Company level.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The quantitative measures include new business measures (such as sales, new business embedded value, and risk), customer retention, expense
management, and investment performance.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
component is based on a weighted average of the business units and divisional scores and is composed of numerous measurements, each with various weights being applied.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">33%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="11" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Overall performance against objectives: Above target (113%)</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Achieved strong wealth sales<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP> of $49.7 billion for 2013, reflecting a 37 per cent increase over 2012.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Full year insurance sales of $2.8 billion declined by 13 per cent over 2012 driven by lower sales in Asia and normal variability in Canada Group
Benefits.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Generated new business embedded
value (&#147;NBEV&#148;)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1,2</SUP> of $1.2 billion for 2013, reflecting a 16% increase over 2012.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Achieved 21st consecutive quarter of record funds under
management<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP> of $599 billion as at December&nbsp;31, 2013.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expense levels were within plan.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;General account asset performance continued to be a strength of the Company.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife Asset Management had outstanding investment
performance with all public asset classes outperforming their benchmarks on a 1, 3, and 5-year basis.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B>Strategic Initiatives</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s strategic initiatives as
outlined in the 2013 Annual Report are based on three key priorities:</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#161;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Building for the
future</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#161;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Risk and Capital
management</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#161;</FONT></SUP>&nbsp;</FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Efficiency and
Effectiveness</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">33%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Overall performance against objectives: Above target (122%)</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In 2013 the Company made significant progress towards its
strategic priorities:</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Developing our Asian
opportunity to the fullest;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Growing our wealth
and asset management businesses in Asia, Canada, and the U.S.;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Continuing to build our balanced Canadian franchise;
and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Continuing to grow higher return on equity
(&#147;ROE&#148;), lower risk U.S.&nbsp;businesses.</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The performance
highlights for each of the Company&#146;s operating divisions is provided below:</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em" align="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asia Division continued to execute on its
growth strategy by expanding agency and bank channel distribution capacity. Contracted agents were approximately 57,500 as at December 31, 2013, seven per cent more than at December 31, 2012, reflecting double digit growth in Hong Kong, the
Philippines, Malaysia and Vietnam. During 2013, the division entered into an exclusive bancassurance relationship with Alliance Bank in Malaysia and completed the acquisition of MAAKL Mutual Bhd, greatly enhancing its business and presence in
Malaysia and complementing its wealth management growth strategy.</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>40</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="29%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="4%"></TD></TR>

<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B>Strategic Initiatives (cont&#146;d)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Canadian Division made strong progress across all of its diverse businesses in 2013. Record wealth management sales reflected strong momentum in
Manulife Mutual Funds and Group Retirement Solutions. Group Benefits continued to lead the market in sales in 2013 according to the most recently published industry information. Manulife Bank responded to significant regulatory changes and ended the
year with record net lending assets despite an overall slowdown in the residential mortgage market and an aggressive competitive environment. The division continued to drive its desired shift in product mix, reducing the proportion of sales with
guaranteed features in insurance and variable annuities and launched its innovative RetirementPlus, the next step in the evolution of its variable annuity product portfolio. The division continued to expand its distribution reach through increased
broker-dealer penetration, by adding new advisors and extending existing relationships, as well as through two strategic transactions in the mortgage creditor life insurance and travel insurance businesses.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the US Division, robust sales in John Hancock
Investments contributed to record funds under management in the Wealth Management business. John&nbsp;Hancock Investments had record sales for the full year and is well positioned for continued success. On the insurance front, the division continued
to record strong sales of its repriced, lower risk insurance products and the integration of John Hancock Life and Long-Term Care businesses is largely completed. The integration will expand sales opportunities and drive operational
efficiencies.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Division continues to
deliver strong investment results along with excellent credit experience. During 2013, the Company originated in excess of $1 billion in alternative long-duration assets, on a net basis, across various asset classes including real estate,
infrastructure, private equities, and farmland. The acquisitions continue to be high quality, good relative value alternative long-duration assets which have enhanced the risk-adjusted returns and have diversified the portfolio.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife Asset Management experienced significant growth
in 2013 across its global franchise, with external assets under management increasing by 18&nbsp;per cent to $243 billion. Several strategic additions to our portfolio management teams were made in the fourth quarter including the purchase of MAAKL
Holdings Berhad in Malaysia. Outstanding investment performance continues to differentiate Manulife Asset Management; with all public asset classes outperforming their benchmarks on a 1, 3, and 5-year basis. Expansion of the third party private
asset management business provides investors access to Manulife&#146;s specialized private asset investment teams that until now have primarily served its general fund.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company closed 2013 with a strong Minimum Continuing
Capital and Surplus Requirements (&#147;MCCSR&#148;) capital ratio for The Manufacturers Life Insurance Company (&#147;MLI&#148;) of 248 per cent, up 37 points over year end 2012.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is on track with its company-wide Efficiency
and Effectiveness initiative which is expected to deliver substantial efficiency gains by 2016.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></P></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">This item is a non-GAAP measure. See &#147;Performance and Non-GAAP Measures&#148; on page 70. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">NBEV is the change in shareholders&#146; economic value as a result of sales in the reporting period. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">See &#147;Caution regarding forward-looking statements&#148; contained in the Company&#146;s 2013 Annual Report. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Medium-Term Incentive Plan Results </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The
PSUs and RSUs awarded to NEOs in 2011 vested and paid out during 2013 as outlined in the table below. As previously disclosed, the Board of Directors may adjust PSU payouts up or down depending on the Company&#146;s progress towards achieving its
risk reduction targets. In consideration of management&#146;s achievement of its risk reduction targets well ahead of plan, the Board of Directors made the decision to make a positive adjustment to the performance factor applicable to payouts in
2013. In the view of the Board of Directors, the decision to hedge faster than planned was in the long term best interests of the Company, but resulted in incremental short-term costs which negatively impacted the performance results of these PSUs.
The 8% adjustment reflects the direct financial impact of this decision on the PSU performance measures and was considered a fair recognition of management&#146;s achievement. </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Vesting Date</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Award</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance<BR>Factor</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Payout&nbsp;as&nbsp;a&nbsp;Percentage<BR>of&nbsp;
Grant Value</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;December&nbsp;15,&nbsp;2013&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">2011 RSUs</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">2011 PSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">81%</FONT></P></TD>

<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">117%</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;95%</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>41</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Calculation of the Performance Factor Applicable to PSUs vesting in 2013 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The payout of these PSUs was below the award value, reflecting that the Company&#146;s financial performance was below expectations in 2011 and
2012. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance
Period<BR>January&nbsp;1, 2011 - September&nbsp;30, 2013</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf">
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Weight</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Goals</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Result</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance<BR>Score</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Weighted<BR>Performance<BR>Score</B></FONT></TD></TR>

<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Threshold</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Target</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Maximum</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Net Income Attributed to Shareholders</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$3.16 billion</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$8.13&nbsp;billion</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$10.38&nbsp;billion</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$3.7&nbsp;billion</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">11%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">2.75%</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">ROE</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4.2%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">10.8%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">13.8%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">5.4%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">19%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4.75%</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Average Quarterly<BR>MCCSR
Score<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">50%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">80%&nbsp;of&nbsp;target</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">See&nbsp;note&nbsp;(1)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">115%&nbsp;or&nbsp;120%<BR>of target</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">131%</FONT><BR></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">65.50%</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Unadjusted Performance Factor</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">73%</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Adjustment for Direct Financial Impact of Decision to Hedge Faster</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">+8%</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Final Performance Factor</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>81%</B></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The MCCSR Score represents the average of the quarterly MCCSR scores for the applicable performance period. The quarterly MCCSR scores are calculated by
applying the MCCSR ratio achieved by Manufacturers Life against the internal capital target in place for the applicable quarterly reporting period. For 2011, the maximum was 120% of target. For 2012-2013, the maximum was 115% of target.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Long-Term Incentive Plan Results </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">All outstanding unexercised stock options granted in 2003 expired with zero value, illustrating the link between the Common Share price and compensation realized by our executive officers. In 2013, none of the NEOs
exercised stock options. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Medium-Term and Long-Term Incentive Plan Grants </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table summarizes the number of units and dollar value granted in 2013 to all employees: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Equity Award<BR>Type</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013&nbsp;Units/Options<BR>Awarded</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013 Grant Date<BR>Value</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Vesting</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Term</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">RSUs/PSUs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">6,957,323</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$108.1&nbsp;million</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Cliff vest within 3 years of grant</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">34&nbsp;months</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Options</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4,334,620</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$14.1&nbsp;million</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">25% per year</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">10 years</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_24"></A>Named Executive Officers&#146;
Compensation</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee considered the following factors when determining the
compensation of the NEOs: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Performance against the Company&#146;s balanced scorecard objectives. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s overall performance relative to the performance of its peer group. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Market competitiveness of Total Target Direct Compensation relative to the peer group. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The executive&#146;s achievement of annual objectives as agreed upon at the beginning of the year as outlined below. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Ability to retain talented executives and motivate them to deliver superior performance. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee reviews annually the compensation opportunity for each NEO to the Compensation Peer Group using
the Target Total Direct Compensation (&#147;TTDC&#148;) values shown below (TTDC includes base salary, target AIP and grant date value of medium and long-term incentive awards). The Management Resources and Compensation Committee also reviews a
longer term pay for performance analysis prepared by management and reviewed by Hugessen Consulting to ensure the compensation received and realized by the senior executives is aligned with Manulife&#146;s performance over the corresponding
compensation period and is appropriate relative to its peer group. The Management Resources and Compensation Committee exercises independent judgment in assessing the CEO&#146;s performance and applies stress testing of incentive plan designs to
demonstrate pay for performance and alignment with shareholder interests. The compensation awarded to each of the NEOs is set out
below</FONT><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2">. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Donald Guloien, President and CEO </B></FONT></P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under Mr.&nbsp;Guloien&#146;s leadership, and as a result of the strategic changes made over the last several years, Manulife delivered very strong
financial performance in 2013. In addition to delivering strong operating results, tangible progress was made toward achieving the long-term objectives of the Company. Mr.&nbsp;Guloien&#146;s efforts over the past three years to strengthen our
capital position, reduce risk, and reposition our product emphasis have positioned the Company well for future success. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Exchange rate methodology is set out in the exchange rates to the Summary Compensation Table on page 55. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>42</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below outlines Mr.&nbsp;Guloien&#146;s specific key individual objectives and results for
2013: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="75%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Key Objectives</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Results</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Deliver on Financial Results</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">In 2013, Manulife met
or exceeded its goals for net income, core earnings, Earnings excluding the direct impact of equity markets and interest rates, ROE, MCCSR, Expenses and Leverage.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Insurance sales were slightly below plan, however the profitability of those sales increased substantially. Wealth sales were far in excess of
plan.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Execute Strategic Plan</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">The management team
executed well against the Board approved Strategic Plan with respect to the growth of the wealth and asset management businesses.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">In 2013, the Company executed a number of smaller, but highly strategic deals including an exclusive bancassurance agreement with Alliance Bank in Malaysia, and the
acquisitions of Symetra; RBC&#146;s travel insurance business in Canada; and MAAKL, the Malaysian asset management business.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Capital and Risk Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">In 2013, Manulife
exceeded its MCCSR target while also maintaining adequate capital for growth and contingency planning.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1">The Company continued to improve the effectiveness of its Risk Management practices throughout the world and continued to implement new means of reducing exposure to equity market and interest rate volatility. In
2013, management took important steps to more closely define the Company&#146;s overall risk appetite and executed the Company&#146;s strategy and business plans within those risk limits and consistent with the risk appetite
philosophy.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Efficiency&nbsp;&amp; Effectiveness</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">The efficiency and effectiveness initiative produced over $200
million of pre-tax annualized run-rate savings for&nbsp;2013.</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Target Total Direct Compensation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board reviewed Mr.&nbsp;Guloien&#146;s compensation and considered his strong performance since becoming CEO in 2009 and his performance in 2013 against the specific objectives described above. In reviewing
Mr.&nbsp;Guloien&#146;s 2013 and 2014 TTDC, the Board considered the Company&#146;s size and scope relative to the peer group as well as Mr.&nbsp;Guloien&#146;s performance and potential for future contributions to creating long-term value for
shareholders. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2013, Mr.&nbsp;Guloien received a base salary increase of US$100,000, effective March&nbsp;1, 2013. His AIP target of
200% of salary and his equity target of 550% of salary remained unchanged. This moved the CEO&#146;s compensation close to, but still slightly below the median of Manulife&#146;s peer group. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2014, the Board and Mr. Guloien agreed to an amended employment agreement. Beginning in 2014, the Board has redistributed Mr. Guloien&#146;s TTDC
by reducing the weight of annual incentive and increasing the weight of equity incentive to emphasize alignment between pay and the longer-term success of Manulife. As a result, Mr. Guloien&#146;s AIP target has been reduced from 200% to 150% of
salary, his medium and long-term incentive target has been increased from 550% to 600% of salary, and his employment agreement was amended such that upon termination of employment for any reason other than cause, one half of the PSUs granted within
one year prior to his termination or retirement will not be forfeited and will continue to vest with payment being made on the scheduled payout date, subject to the PSU performance conditions. This additional emphasis on medium and long-term
incentives reflects his ability to impact business results and position the Company for future success. Mr. Guloien has also agreed to reduce his entitlement under his change in control agreement from 3 to 2&nbsp;times annual salary and average
annual incentives awarded in the prior 3 years. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board approved a salary increase of US$125,000 for Mr.&nbsp;Guloien effective
March&nbsp;1, 2014. This increase was the third tranche of a 3-year plan to bring the CEO&#146;s target compensation to the median of our compensation peer group. The Board also awarded Mr.&nbsp;Guloien medium and long-term incentives in the amount
of US$7,950,000 in February 2014, or 600% of salary. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table summarizes the compensation decisions taken by the Board for
Mr.&nbsp;Guloien in 2013 and 2014. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2012&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2014&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Base Salary (March 1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,100,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,200,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,325,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">AIP
Target<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1,2</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,200,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,400,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,987,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">PSUs Awarded<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3,4</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,512,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,310,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,782,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">RSUs
Awarded<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3,4</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,512,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,987,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Options Awarded<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3,4</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,025,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,640,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,180,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>9,350,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>10,200,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>11,262,500</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">For 2012 and 2013, Annual Incentive Plan payout could range from 0% to 350% of salary, reflective of business and personal performance.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">For 2014, Annual Incentive Plan payout can range from 0% to 300% of salary, reflective of business and personal performance. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The CEO&#146;s target equity award (PSUs, RSUs and Stock Options) was 550% of salary in 2012 and 2013, with a maximum grant of 650% of salary.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The CEO&#146;s target equity award (PSUs, RSUs and Stock Options) is 600% of salary in 2014, with a maximum grant of 700% of salary.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>43</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan Payout </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In determining Mr.&nbsp;Guloien&#146;s annual incentive for 2013, the Board assessed his performance against the specific objectives described above and the Company Performance Score, as described on page 40.
Mr.&nbsp;Guloien received an annual incentive of US$3,870,000 (Cdn$4,249,647) based on the following: </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="11%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Base Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>AIP
Target</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>(Percentage&nbsp;of Base
Salary)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>X</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Company&nbsp;Performance Score<BR>(Balanced
Scorecard)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Individual Performance Multiplier</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>=</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual
Incentive</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">US$1,200,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">200%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">129%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">125%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">US$3,870,000</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Steve Roder, Senior Executive Vice President and Chief Financial Officer </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Roder is responsible for managing
the financial affairs of the Company including Finance, Accounting, Capital, Valuation, Treasury, Controllers, Taxation, Investor Relations, Reinsurance and Financial Regulation. Mr.&nbsp;Roder is a driver of change in our organization and is one of
the executives responsible for promoting the Efficiency&nbsp;&amp; Effectiveness initiative. He is driving transformation of the finance function, including process re-engineering, streamlining financial information and improving expense management.
He has significantly enhanced our investor relations activities, including broadening our shareholder base, and has played a prominent role in our lobbying efforts for high quality accounting standards. He has played a key role on various corporate
development activities and has continued to use his deep knowledge of Asia and extensive network for the benefit of the Company. Mr.&nbsp;Roder is a member of the Company&#146;s Executive Committee and Management Committee. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below outlines Mr.&nbsp;Roder&#146;s specific key individual objectives and results for 2013: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="64%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Key Objectives</FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Results</FONT></P></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Oversee finance transformation program and execution of projects against agreed plans</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Overall finance transformation project continues to be on track to deliver significant
savings and&nbsp;improvements.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Majority of projects are in the execution stage with
detailed plans in place.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Projects have started producing meaningful improvements in
efficiency and effectiveness.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Implement Organizational Design within finance to improve role clarity,
speed and effectiveness of decision making and expense efficiency</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Organizational Design
project completed and expense goals achieved.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Speed and effectiveness of
decision-making significantly enhanced and collaboration improved.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Engage actively in the M&amp;A process and corporate development activities, including nurturing his significant existing network for
the benefit of the Company</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Very active in the M&amp;A process as a key contributor in the deal review
process.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Has successfully maintained a significant network, in particular in Asia,
for the benefit of the Company.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Successfully recruited several executives through
his personal network.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Lead investor relations activity, including expanding shareholder base
and enhancing quarterly earnings release process</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">International shareholder
base expanded more broadly in 2013.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Significantly enhanced investor relations
activity on a global scale.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Simplified and streamlined quarterly earnings release
process.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Drive the management of accounting standards outcomes in a direction of maintaining good prudential
regulation while maintaining shareholder value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Prominent as international conference speaker and as
contributor to media debate on accounting standards and regulatory activity.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Lead
engagement with other key stakeholders in Canada.</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Target Total Direct Compensation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In 2013, Mr.&nbsp;Roder did not receive a base salary increase. His AIP target of 125% of salary remained unchanged and he was awarded medium and long-term incentives in the amount of US$2,500,000.
Mr.&nbsp;Roder&#146;s 2013 TTDC package considered his performance, as well as the TTDC of his counterparts within Manulife&#146;s peer group. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">For 2014, the Board reviewed Mr.&nbsp;Roder&#146;s compensation and approved a salary increase of US$20,000 effective March&nbsp;1, 2014 and awarded him medium and long-term incentives in the amount of US$2,700,000
in February 2014. In reviewing Mr.&nbsp;Roder&#146;s 2014 TTDC, the Board considered the Company&#146;s size and scope relative to the peer group as well as Mr.&nbsp;Roder&#146;s achievements in 2013, his strong leadership and his potential to
contribute to the future success of the Company. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>44</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table summarizes the compensation decisions taken by the Board for Mr.&nbsp;Roder, on
the recommendation of the CEO and the Management Resources and Compensation Committee, in 2013 and 2014. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2012&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2014&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Base Salary (March 1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">700,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">700,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">720,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">AIP
Target<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">875,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">875,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">900,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">PSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">-</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">875,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">945,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">RSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">730,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">625,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">675,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Options Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">730,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,080,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>n/a<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>4,075,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>4,320,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Annual Incentive Plan payout can range from 0% to 250% of target, reflective of business and personal performance. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr.&nbsp;Roder commenced employment as SEVP and CFO on June&nbsp;1, 2012. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan Payout </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In determining Mr.&nbsp;Roder&#146;s annual incentive for
2013, the Board assessed his performance against the specific objectives described above and the Company Performance Score, as described on page 40. Mr.&nbsp;Roder received an annual incentive of US$1,580,250 (Cdn$1,735,273) based on the following:
</FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Base Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>AIP
Target</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>(Percentage of Base
Salary)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>X</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Company Performance Score<BR>(Balanced
Scorecard)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Individual Performance Multiplier</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>=</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual
Incentive</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">US$700,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">125%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">129%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">140%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">US$1,580,250</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Warren Thomson, Senior Executive Vice President and Chief Investment Officer </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Thomson is responsible for
managing the global investment operations which include the General Fund and Manulife Asset Management, the Company&#146;s global asset management business. Mr.&nbsp;Thomson is a member of the Company&#146;s Executive Committee and Management
Committee. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under Mr.&nbsp;Thomson&#146;s leadership, the Investment Division delivered strong performance for the Cdn$233 billion of
General Fund assets as at December&nbsp;31, 2013. This performance was evidenced by the Company&#146;s excellent credit experience, and continuing prudent investment activities related to fixed income and alternative long-duration assets. In
addition, equity and interest rate earnings sensitivities were managed within risk appetite limits throughout 2013. Strong investment performance was also delivered in 2013 by Manulife Asset Management with recognition evidenced by fund ratings and
industry awards, as well as strong global retail sales. Manulife Asset Management ended 2013 with Cdn$243 billion in assets under management for external clients, representing growth of 18% over prior year. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below outlines Mr.&nbsp;Thomson&#146;s specific key individual objectives and results for 2013: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="67%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Key Objectives</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Results</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Deliver on strategic objectives</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Introduced a new unit, Manulife Asset Management Private Markets, to bring together
specialized private market teams managing funds for third party investors and provide access to other specialized teams that historically have primarily served the General Fund.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Originated in excess of Cdn$1.5 billion of alternative long-duration assets, further
diversifying our portfolio and enhancing risk-adjusted returns.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Deliver on the 2013
financial plan</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Exceeded plan with
full year 2013 investment-related experience of Cdn$906 million; Cdn$200 million was included in core earnings.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1">Investment-related experience primarily was driven by fixed income and alternative long-duration asset investing, and strong credit experience.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Risk Management</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Equity and interest rate sensitivities were managed within risk appetite limits on
both a gross and net basis throughout 2013.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Continued to enhance the effectiveness
of our hedging program and added options to reduce our re-balancing risk and currency futures to manage our currency exposure.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Leadership and
Talent Development</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Provided opportunities
to high potential leaders in order to head up key functions and provide succession opportunities, demonstrating our commitment to growing talent across divisions, business units and geographies.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Recruited capabilities into Manulife Asset Management in key areas of focus.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Prioritized robust development planning and coaching for high potential
talent.</FONT></P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>45</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Target Total Direct Compensation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In 2013, Mr.&nbsp;Thomson received a base salary increase of US$20,000. His AIP target of 150% of salary remained unchanged and he was awarded medium and long-term incentives in the amount of US$2,200,000.
Mr.&nbsp;Thomson&#146;s 2013 TTDC package considered his performance, as well as the TTDC of his counterparts within Manulife&#146;s peer group. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In 2014, the Board reviewed Mr.&nbsp;Thomson&#146;s compensation and approved a salary increase of US$30,000 effective March&nbsp;1, 2014 and awarded him medium and long-term incentives in the amount of
US$2,200,000 in February 2014. In reviewing Mr.&nbsp;Thomson&#146;s 2014 TTDC, the Board considered the Company&#146;s size and scope relative to the peer group as well as Mr.&nbsp;Thomson&#146;s achievements in 2013, his strong leadership and his
potential to contribute to the future success of the Company. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table summarizes the compensation decisions taken by the
Board for Mr.&nbsp;Thomson, on the recommendation of the CEO and the Management Resources and Compensation Committee, in 2013 and 2014. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2012&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2014&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Base Salary (March 1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">670,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">700,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">AIP
Target<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">975,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,005,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,050,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">PSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">550,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">770,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">770,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">RSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">550,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">550,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">550,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Options Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,100,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">880,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">880,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,825,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,875,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,950,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Annual Incentive Plan payout can range from 0% to 250% of target, reflective of business and personal performance. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan Payout </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In
determining Mr.&nbsp;Thomson&#146;s annual incentive for 2013, the Board assessed his performance against the specific objectives described above and the Company Performance Score, as described on page 40. Mr.&nbsp;Thomson received an annual
incentive of US$1,815,030 (Cdn$1,993,084) based on the following: </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Base Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>AIP
Target</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>(Percentage of Base
Salary)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>X</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Company Performance Score<BR>(Balanced
Scorecard)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Individual Performance Multiplier</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>=</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual
Incentive</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">US$670,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">150%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">129%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">140%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">US$1,815,030</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Paul Rooney, Senior Executive Vice President and Chief Operating Officer </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Rooney is responsible for
overseeing areas critical to the Company&#146;s global operations, including Corporate Strategy, Corporate Development, Capital Solutions, Human Resources, Branding&nbsp;&amp; Communications, Information Services, Procurement and Global Resourcing.
Mr.&nbsp;Rooney is also charged with leading the multi-year enterprise-wide Efficiency&nbsp;&amp; Effectiveness initiative with the goal of improving the efficiency and effectiveness of the Company&#146;s operations. Mr.&nbsp;Rooney is a member of
the Company&#146;s Executive Committee and Management Committee. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In this newly created COO role, Mr.&nbsp;Rooney drove significant
change throughout the organization, focusing on Organizational Design, the Efficiency&nbsp;&amp; Effectiveness initiative and transforming the Company to a new functional operating model by driving increased collaboration and a global mindset across
the organization. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company delivered strong results on its Efficiency&nbsp;&amp; Effectiveness initiative, exceeding the 2013 savings
targets and instituting a disciplined approach for driving ongoing efficiencies in 2014 and beyond. A large part of the effort in 2013 was focused on Organizational Design where Manulife successfully increased its managerial spans of control,
flattened the organization and significantly reduced managerial costs. On the Corporate Development front, the Company closed an asset management acquisition in Malaysia, completed a broker dealer acquisition in the U.S. and a travel insurance
acquisition in Canada, and divested its Taiwan insurance business. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>46</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below outlines Mr.&nbsp;Rooney&#146;s specific key individual objectives and results for
2013: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="67%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Key Objectives</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Results</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Lead the global Organizational Design and Efficiency&nbsp;&amp; Effectiveness Initiative delivering on planned targets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Developed a disciplined process for driving Efficiency &amp; Effectiveness initiatives
across all divisions and functions of the company exceeding the objectives established for 2013.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Completed the company wide Organizational Design initiative achieving delayering objectives, savings targets and increased management spans of control.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Design and delivery of a global change management framework and training to enable the company
wide Organizational Design initiative and Efficiency &amp; Effectiveness projects.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Established a global Project Management Centre of Expertise to improve project delivery and change management for all businesses.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Improve the company wide strategic planning process</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Delivered a more comprehensive process integrating Strategy, Finance,
Capital and Risk plans.</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Drive a disciplined approach to mergers, acquisition and divestitures aligned with our strategic
priorities</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Closed 3 acquisitions in 2013 and completed the sale of
our Taiwan insurance business.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Maintained our disciplined approach to acquisitions
by avoiding several opportunities where the deal economics were not satisfactory.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Establish global strategic procurement function and global resourcing centre of expertise to support business strategy</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Developed a strategic procurement function focused on driving global efficiencies in
contracting, sourcing and category management.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Established a Global Resourcing
Centre of Expertise to drive the development and use of our captive offshore facilities to world class levels. Alternate site in Cebu, Philippines to open in 2014.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Enhance global services infrastructure capabilities and business
application platforms to&nbsp;enable growth strategies</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Successful data centre
transitions in the U.S., Canada and Asia.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Introduced global employee collaboration
tools to improve effectiveness and allow for increased work force mobility.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Launched
shared application service centres to support the use of strategic business application platforms and services.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="1">Increased governance of Information Security &amp; Cyber Security.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1">Established global IS standards for contact centres, web sites, mobile applications.</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Target Total Direct Compensation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In 2013, Mr.&nbsp;Rooney was appointed SEVP and Chief Operating Officer. As a result of this appointment, he received a base salary increase of $50,000 and his pay was denominated in U.S. dollars in accordance with
our policy to pay our most senior officers in the currency corresponding to their competitive market. His AIP target increased from 100% to 125% of salary and he was awarded medium and long-term incentives in the amount of US$2,300,000.
Mr.&nbsp;Rooney&#146;s 2013 TTDC package considered his performance, as well as the TTDC of other comparable executives within Manulife&#146;s peer group. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In 2014, the Board reviewed Mr.&nbsp;Rooney&#146;s compensation and approved a salary increase of US$20,000 effective March&nbsp;1, 2014 and awarded him medium and long-term incentives in the amount of US$2,300,000
in February 2014. In reviewing Mr.&nbsp;Rooney&#146;s 2014 TTDC, the Board considered the Company&#146;s size and scope relative to the peer group as well as Mr.&nbsp;Rooney&#146;s achievements in 2013, his strong leadership and his potential to
contribute to the future success of the Company. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table summarizes the compensation decisions taken by the Board for
Mr.&nbsp;Rooney, on the recommendation of the CEO and the Management Resources and Compensation Committee, in 2013 and 2014. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2012&nbsp;(CAD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2014&nbsp;(USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Base Salary (March 1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">700,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">720,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">AIP
Target<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">875,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">900,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">PSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">500,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">805,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">805,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">RSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">500,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">575,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">575,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Options Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">920,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">920,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,300,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,875,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,920,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Annual Incentive Plan payout can range from 0% to 250% of target, reflective of business and personal performance. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan Payout </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In
determining Mr.&nbsp;Rooney&#146;s annual incentive for 2013, the Board assessed his performance against the specific objectives described above and the Company Performance Score, as described on page 40. Mr.&nbsp;Rooney received an annual incentive
of US$1,410,938 (Cdn$1,549,351) based on the following: </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Base Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>AIP
Target</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>(Percentage of Base
Salary)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>X</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Company Performance Score<BR>(Balanced
Scorecard)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Individual Performance Multiplier</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>=</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual
Incentive</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">US$700,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">125%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">129%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">125%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">US$1,410,938</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>47</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Jean-Paul Bisnaire, Senior Executive Vice President, Corporate Affairs and General Counsel </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Bisnaire is responsible for
overseeing the worldwide functions of: Law; Compliance; Internal Audit; Industry, Regulatory and Government Affairs; and Corporate Secretary. He is the Chief Legal Counsel for the Company. In 2013 Mr.&nbsp;Bisnaire demonstrated leadership in
Manulife&#146;s expense reduction initiatives. He was also involved in several successful capital initiatives, including the sale of our Taiwan insurance business. Mr.&nbsp;Bisnaire is a member of the Company&#146;s Executive Committee and
Management Committee. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below outlines Mr.&nbsp;Bisnaire&#146;s specific key individual objectives and results for 2013:
</FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="66%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Key Objectives</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Results</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Meet or exceed 2013 Efficiency&nbsp;&amp; Effectiveness targets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Completed Organization Design of Law and Compliance
functions of Group and all divisions, Internal Audit and Industry, Regulatory and Government Affairs.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1">Significantly reduced overall legal spend through a variety of initiatives.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Legal, Global, Compliance and Internal Audit</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Continued to assess and mitigate risk to the Company
from legal, regulatory and policy changes, initiatives and investigations.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Enhanced
focus on Asia Division legal, compliance and audit resources.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Collaborated with
other functions to build out the framework for Operational Risk Management.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Corporate Development, Strategy and Capital Initiatives</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Advised on several capital initiatives, including the sale of the Company&#146;s Taiwan
insurance business.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Advised on 2013 acquisitions and other opportunities.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Continued to provide advice and assistance on proposed International Accounting Standards for
insurance liabilities.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Industry Regulatory and Government Affairs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Continued to maintain strong relationships with regulators and government authorities.</FONT></TD></TR>

<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Governance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Put in place a new
Corporate Secretary and hired a new head for the Corporate Secretarial office.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Continued to enhance our public disclosures.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Assisted in improving meeting agendas and materials for senior management meetings.</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Target Total Direct Compensation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In 2013, Mr.&nbsp;Bisnaire did not receive a base salary increase. His AIP target of 100% of salary remained unchanged and he was awarded medium and long-term incentives in the amount of US$1,800,000.
Mr.&nbsp;Bisnaire&#146;s 2013 TTDC package considered his performance, as well as the TTDC of his counterparts within Manulife&#146;s peer group. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">After 10 years of service, Mr.&nbsp;Bisnaire advised he will retire on December&nbsp;31, 2014. Stephen Sigurdson has been announced as his successor to take over the General Counsel position effective May&nbsp;1,
2014. The period between May&nbsp;1, 2014 and December&nbsp;31, 2014 will provide for an orderly transition and Mr.&nbsp;Bisnaire will continue to be involved in special projects such as our efforts to influence accounting standards under IFRS and
other important policy matters. For 2014, Mr.&nbsp;Bisnaire did not receive a base salary increase or any medium and long-term incentive award. Upon retirement, he will receive an amount equivalent to his target annual incentive, in lieu of payment
under the Annual Incentive Plan which he will forfeit. Other compensation elements will be treated in accordance with the applicable compensation program. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The following table summarizes the compensation decisions taken by the Board for Mr.&nbsp;Bisnaire, on the recommendation of the CEO and the Management Resources and Compensation Committee, in 2013 and 2014.
</FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2012 (USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2013 (USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>2014 (USD)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Base Salary (March 1)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">AIP
Target<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">650,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">PSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">450,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">630,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">RSUs Awarded</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">950,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">450,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Options Awarded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">900,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">720,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Target Total Direct Compensation</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,600,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>3,100,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>1,300,000</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Annual Incentive Plan payout for 2012 and 2013 could range from 0% to 250% of target, reflective of business and personal performance.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>48</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>2013 Annual Incentive Plan Payout </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">In determining Mr.&nbsp;Bisnaire&#146;s annual incentive for 2013, the Board assessed his performance against the specific objectives described above and the Company Performance Score, as described on page&nbsp;40.
Mr.&nbsp;Bisnaire received an annual incentive of US$964,275 (Cdn$1,058,870) based on the following: </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Base Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>AIP
Target</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>(Percentage of Base
Salary)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>X</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Company Performance Score<BR>(Balanced
Scorecard)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="font-family:arial" SIZE="4">X</FONT></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Individual Performance Multiplier</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"></FONT><FONT STYLE="font-family:arial" SIZE="4"><B>=</B></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual
Incentive</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">US$650,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">100%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">129%</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">115%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">US$964,275</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Share Ownership Guidelines </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company requires its executives to own shares to align executive compensation with the interests of shareholders. Executives have five years from their appointment or promotion date to meet the requirement.
Deferred Share Units (&#147;DSUs&#148;), RSUs, PSUs, personally held Common Shares and Manulife preferred shares count towards the share ownership guidelines, but stock options do not. RSUs, PSUs and DSUs are valued at the higher of the grant price
or the current market price for the purposes of meeting the share ownership guidelines. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The share ownership guidelines for executives,
by level, are as follows: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="93%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD WIDTH="29%"></TD></TR>
<TR>
<TD VALIGN="middle" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Executive Level</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Share Ownership Requirement as a<BR>Multiple of Base
Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">CEO</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7.0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Senior Executive Vice President</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4.0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Executive Vice President</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2.5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The share ownership holdings of the NEOs as at February&nbsp;28, 2014 were as follows: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="25%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>NEO</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Required&nbsp;Ownership&nbsp;as<BR>Multiple of Base
Salary</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Total&nbsp;RSUs</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Total&nbsp;PSUs</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Total&nbsp;DSUs</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Personal<BR>Shareholdings</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Total&nbsp;Holdings</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Share&nbsp;Ownership<BR>as Multiple of<BR>Base Salary<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald&nbsp;Guloien</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">7.0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7,202,264</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9,005,667</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,052,013</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,599,357</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">22,859,301</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">15.6</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Steve&nbsp;Roder</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4.0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,098,278</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,270,371</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">-</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">-</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,368,649</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6.7</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Warren&nbsp;Thomson</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4.0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,357,981</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,909,344</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">553,196</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">901,539</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,722,060</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8.7</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Paul
Rooney</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4.0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,333,633</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,910,072</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">822,233</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">17,186</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,083,124</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7.6</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><FONT
STYLE="white-space:nowrap">Jean-Paul&nbsp;Bisnaire</FONT></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">4.0</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,322,144</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,683,731</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">774,867</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">46,096</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,826,838</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6.7</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">For purposes of determining compliance with the share ownership guidelines, the salary of each NEO has been converted to Canadian dollars as of
February&nbsp;28, 2014 using an exchange rate of US$1.00 = Cdn$1.1075. Each NEO&#146;s total holdings multiple was calculated based on the higher of the grant price or the closing price of the Common Shares on the TSX on February&nbsp;28, 2014,
which was $21.01 per Common Share. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>49</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_25"></A>Compensation Governance</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s compensation governance structure includes the groups outlined below. The compensation governance
structure is reviewed regularly against best practices and regulatory guidelines. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="17%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="78%"></TD></TR>


<TR>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Board&nbsp;of&nbsp;Directors</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Is responsible for the oversight of the Company&#146;s compensation principles, practices and programs, including the management of compensation risk.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Approves major compensation programs and payouts, including compensation for the CEO,
Executive Committee Members and Heads of Control Functions based on MRCC recommendations.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Approves the Director Compensation program based on Corporate Governance&nbsp;&amp;
Nominating Committee recommendations.</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="24%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Management&nbsp;Resources&nbsp;and
Compensation&nbsp;Committee<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Risk Committee<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1 </SUP></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Corporate Governance and<BR>Nominating Committee<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Assists the Board in carrying out its responsibilities with respect to
executive compensation and talent planning.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Most members have experience in human
resources management and executive compensation, either as senior business leaders or as members of the compensation committees of other boards.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Two members serve on the Corporate Governance and Nominating Committee.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Two members serve on the Risk Committee. This cross membership supports the effective oversight of compensation and its alignment with sound risk management principles and
practices.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Please see page&nbsp;28 for a description of the Committee&#146;s
responsibilities and page&nbsp;51 &#147;Compensation Decision Process&#148; for more details on how the Committee determines compensation for the Company&#146;s executives.</FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:1px"><FONT
SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Assists the Board in its oversight role of compensation principles,
practices and programs.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Members have experience as senior business leaders or
participation on other risk committees</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Please see page&nbsp;27 for a description
of the Committee&#146;s responsibilities, which include the review of the alignment of the Company&#146;s incentive compensation programs and risk management objectives.</FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:1px"><FONT
SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Assists the Board in the determination of Director Compensation.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Please see page&nbsp;23 for a description of the Committee&#146;s responsibilities and
page&nbsp;20 for details on how the Committee determines Director Compensation.</FONT></P></TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Independent
Advisor</B></FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The Corporate Governance and Nominating Committee and Management Resources and Compensation Committee have retained Hugessen Consulting as their external independent compensation
advisor since 2006 (see the Reports of the Corporate Governance and Nominating Committee and of the Management Resources and Compensation Committee at pages&nbsp;23 and 28 for more information).</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Hugessen Consulting are independent advisors and their role involves:</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;attending committee meetings;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;providing advice on compensation related decisions; and</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;reporting on compensation trends.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;In 2013, the Corporate Governance and Nominating Committee also retained Pearl
Meyer&nbsp;&amp; Partners to provide advice respecting director compensation (see the Report of the Corporate Governance and Nominating Committee at page&nbsp;23 for more information).</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The table below shows the fees paid to Hugessen Consulting and Pearl Meyer&nbsp;&amp;
Partners over the last two years for advice regarding executive and director compensation.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The Management Resources and Compensation Committee must approve, in advance, any proposed
retainer by management of any independent advisor previously retained by the Management Resources and Compensation Committee.</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="45%"></TD></TR>


<TR>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Executive Compensation Committee</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Chief Risk Officer</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supports the Management Resources and Compensation Committee in its oversight of compensation risk management.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Meets several times per year and includes the Chief Risk Officer, the CFO
and the Chief Human Resources Officer.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Executive
Compensation Committee&#146;s responsibilities include:</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
review of incentive plan business performance measures, targets, weightings and results to ensure alignment with the Company&#146;s business strategy and risk management objectives;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the review of compensation program changes to ensure alignment with the
Company&#146;s risk management objectives; and</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
recommendation to the CEO of compensation program changes prior to review and approval by the Management Resources and Compensation Committee.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Attends the Management Resources and Compensation Committee meetings at which compensation design recommendations are reviewed and approved, which facilitates
effective oversight of the compensation program recommendations through informed discussion of the relevant risks.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Chief Risk Officer is a member of the Executive Compensation
Committee.</FONT></P></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;margin-left:5%;border-bottom:0.5pt solid #000000; width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">All members of the above Board Committees meet the independence requirements set out in the independence policy established by the Board (see the section
titled &#147;Director Independence and Committee Membership on page&nbsp;19). All members are knowledgeable, senior business leaders and have broad business experience as a senior officer or chair of the board of a major organization (public,
private and non-profit) (see the &#147;Experience Matrix&#148; on page&nbsp;10) </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>50</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Fees Paid to Hugessen Consulting and Pearl Meyer&nbsp;&amp; Partners </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below shows the fees paid to Hugessen Consulting and Pearl Meyer&nbsp;&amp; Partners over the last two years. </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD></TR>
<TR>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:arial" SIZE="1"><B>Services
Performed</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:arial" SIZE="1"><B>Fees&nbsp;paid&nbsp;in&nbsp;2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#e5e5e5"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#e5e5e5"><FONT STYLE="font-family:arial" SIZE="1"><B>Fees&nbsp;paid&nbsp;in&nbsp;2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#e5e5e5"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Hugessen Consulting</FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px" BGCOLOR="#e5e5e5"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Executive Compensation related fees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">258,905</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">346,832</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Director Compensation related fees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">All other fees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Pearl Meyer&nbsp;&amp; Partners<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" BGCOLOR="#e5e5e5"></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px" BGCOLOR="#e5e5e5"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Executive Compensation related fees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Director Compensation related fees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">$<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">31,167<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">All other fees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Pearl Meyer&nbsp;&amp; Partners were not retained in 2012 for services relating to determining compensation for any of the Company&#146;s directors and
executive officers. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Fees were paid in U.S. dollars and were converted to Canadian dollars at an average exchange rate of $1.038 per U.S.$1.00. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_26"></A>Compensation Decision
Process</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following summarizes the process used by the Board of Directors and the Management Resources and Compensation
Committee for making compensation recommendations for the CEO, all Executive Committee members and Heads of Control Functions: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="25%"></TD></TR>
<TR>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>November &#150; December</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>January &#150; February</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>During the year</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>November &#150; January</B></FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Management presents its preliminary compensation structure recommendations,
including compensation components, compensation mix and performance metrics for the upcoming year and supporting rationale. The committee discusses the recommendations and provides feedback to management. Adjustments are made as requested by the
committee.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The Risk Committee reviews the risk management aspects of the executive
compensation program and satisfies itself that the compensation program is aligned with the Company&#146;s risk management objectives.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Following the Risk Committee review, the Management Resources and Compensation Committee recommends for Board approval the compensation program and structure for the coming
year.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The Management Resources and Compensation Committee seeks advice and
guidance on compensation issues from its independent compensation advisor.</FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;At the start of the year, the Board approves the
CEO&#146;s individual performance goals and the Management Resources and Compensation Committee reviews the individual performance goals of other Executive Committee members and Heads of Control Functions.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;The Management Resources and Compensation Committee also reviews and approves the business
performance metrics and financial targets for incentive plan purposes. Targets are intended to be achievable yet provide a performance &#147;stretch&#148;.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Stress testing is also conducted prior to approval of the financial targets when significant
program changes are made.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;During the year, the Management Resources and Compensation Committee reviews the continuing relevance of the
Compensation Peer Group and the competitive positioning of target compensation against desired market positioning and trends. Please see below for further information on the Compensation Peer Group, which is used to benchmark Manulife&#146;s CEO and
SEVPs.</FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Business performance results for any performance
period that has ended are presented by the CFO to, and discussed by, the Management Resources and Compensation Committee, which, in turn, approves the performance factors to be applied to the various incentive programs for that performance
period.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board approves the AIP and PSU results for the organization and
determines whether or not any adjustments are appropriate.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The CEO discusses
the individual performance and compensation recommendations for all Executive Committee members and Heads of Control Functions with the committee.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During in camera sessions, the committee and the Board review the CEO&#146;s and all Executive Committee members&#146; and Heads of Control Functions&#146; performance. The
committee recommends compensation awards for approval by the Board.</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Compensation Peer Group </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">As described above, the Management Resources and Compensation Committee reviews the Compensation Peer Group annually. The criteria used to select peer companies include market capitalization and assets, competitor
for talent, similar lines of business and international footprint. As a result of the 2013 review, the Committee elected to remove Lincoln National and Hartford Financial as they were no longer comparable to Manulife in terms of size and lines of
business. The Committee added Prudential plc to the group as it met most of the inclusion criteria and to increase the representation of non-North American insurers in the Compensation Peer Group. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>51</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The 2013 Compensation Peer Group includes seven global life insurers and five Canadian banks, as
outlined below: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Global Life Insurers</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">AFLAC Inc.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Ameriprise&nbsp;Financial&nbsp;Inc.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">MetLife, Inc.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Principal Financial
Group Inc.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Prudential&nbsp;Financial,&nbsp;Inc.<BR>Prudential plc<BR>Sun Life Financial Inc.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">2013 Median Revenue: $23.9 billion</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">2013 Median Total Assets: $212.2 billion</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Median&nbsp;Market&nbsp;Capitalization&nbsp;at&nbsp;Dec&nbsp;31,&nbsp;2013:&nbsp;$30.7 billion</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Canadian Banks</B></FONT></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Bank of Montreal</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Bank of Nova
Scotia</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Canadian&nbsp;Imperial&nbsp;Bank&nbsp;of&nbsp;Commerce</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">Royal Bank of Canada</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">Toronto-Dominion Bank</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">2013&nbsp;Median&nbsp;Revenue: $22.0&nbsp;billion</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">2013&nbsp;Median&nbsp;Total&nbsp;Assets:&nbsp;$791.1&nbsp;billion</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">Median&nbsp;Market&nbsp;Capitalization&nbsp;at&nbsp;Dec&nbsp;31,&nbsp;2013: $73.5 billion</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Manulife&nbsp;Financial</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">2013&nbsp;Revenue:&nbsp;$19.3&nbsp;billion</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">2013&nbsp;Total&nbsp;Assets:&nbsp;$546.3&nbsp;billion</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">Dec&nbsp;31,&nbsp;2013&nbsp;Market&nbsp;Capitalization: $36.3 billion</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1%"><FONT STYLE="font-family:arial" SIZE="1"><I>Source: Bloomberg (U.S. dollars). </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Committee also considers pay information published in the Diversified Insurance Survey, a widely referenced survey of pay levels among major insurance companies in the United States, and the Financial Services
Executive Compensation Survey, a survey including the major financial institutions in Canada. For the role of Senior Executive Vice President and Chief Investment Officer, Manulife also considers the pay practices of asset management advisory firms
similar in size to Manulife Asset Management, the Company&#146;s global asset management arm. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Target compensation for executives below
the Senior Executive Vice President level is benchmarked against regional comparators, reflecting each executive&#146;s level, role and location. Each element of compensation, as well as total target compensation, is benchmarked to ensure
appropriate competitiveness against peers. Total target compensation for executives is targeted at the median of the peer group. Compensation for high performing executives is intended to be comparable to high performing executives at peer
companies. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The process followed by the Corporate Governance and Nominating Committee and the Board to determine Director compensation is
described in the &#147;Director Compensation - Compensation Determination&#148; section on page&nbsp;20. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>52</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_27"></A>Managing Risk Associated with
Compensation</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In all compensation decisions, the Management Resources and Compensation Committee contemplates the potential impact
that the compensation program may have on risk and ensures that the compensation program contributes to meeting Manulife&#146;s risk management objectives. Manulife has developed a Compensation Risk Framework that provides a structure for the review
of risk associated with the compensation program and the design features that mitigate the risk. Within the framework, risk is identified under the following four risk categories that are closely aligned with our compensation program objectives.
</FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#bfbfbf">


<TR>
<TD></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>


<TR>
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2" STYLE="BORDER-RIGHT:4px solid #ffffff">&nbsp;</TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Business Risk</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The risk that Manulife&#146;s compensation program may encourage
behaviours that are not aligned with business strategy, the Company&#146;s Risk Appetite Statement<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP> and long-term shareholder value. Conversely, business risk also includes
the risk that the compensation program would discourage the taking of healthy risks. Business risk can be mitigated by the design of incentive programs that combine multiple performance metrics that are aligned with our business strategy and reflect
the impact that employees have on performance.</FONT></P> <P STYLE="font-size:10px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:4px solid #ffffff; BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Talent Risk</B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The risk that Manulife&#146;s compensation program may not permit
the Company to attract and retain talented executives and staff. Talent risk can be mitigated by compensation practices that are externally competitive in terms of both target and total opportunity and by providing opportunities that are appealing
to the talent we want to attract.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2" STYLE="BORDER-RIGHT:4px solid #ffffff">&nbsp;</TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Performance Risk</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The risk that Manulife&#146;s compensation program does not provide motivation for employees to maintain high performance standards. Performance
risk can be mitigated by providing appropriate levels of linkage between pay and performance and providing compensation opportunities that will optimize business results.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:4px solid #ffffff"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Compliance &amp; Ethical Risk</B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px" align="left">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The risk that Manulife&#146;s compensation program will generate an incentive to engage in questionable, unethical or illegal behaviours. Compliance
&amp; ethical risk can be mitigated by strong oversight and control mechanisms and by compensation program designs that are structured in a way to minimize the potential incentive to participate in compliance and ethical breaches.</FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The Company&#146;s Risk Appetite Statement is an expression of the types of risk Manulife will take, the amount of each risk the Company is willing to take
and the principles applied before taking risk. Both business strategy and Risk Appetite are equally critical to meeting our objectives and creating long-term shareholder value. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">While risk forms an inherent part of Manulife&#146;s business, Manulife&#146;s executive compensation program contains a number of features and
practices that are generally considered to decrease the risk associated with compensation, including: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A compensation horizon that is appropriately balanced among short-term, medium-term and long-term; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The use of multiple performance metrics in incentive plan design; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Specific risk control and capital adequacy measures embedded into various compensation components, including risk management targets for the AIP and MCCSR
ratio targets for PSUs; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Stress testing of the current compensation designs to ensure potential payouts continue to be aligned with business performance; </FONT></P></TD></TR></TABLE>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Divisional control function heads providing oversight are compensated under the Corporate Annual Incentive Plan, under which the incentive payout is
independent of the businesses they oversee; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board has discretion to adjust the performance factor for PSUs based on the Company&#146;s progress towards achieving risk reduction targets and to adjust
the Company Performance Scores under the AIP for significant events that result in compensation results that are unreasonable, unrepresentative or otherwise inappropriate; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A performance assessment process for all employees to ensure they are mindful of risks inherent in their jobs and are working within the boundaries of the
Company&#146;s policies and standards of practice. Employees&#146; performance assessments are expected to reflect how the employee improved the Company&#146;s risk profile and also take into account any signals from Internal Audit, Compliance or
Risk Management highlighting potential inappropriate actions; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A thorough review process overseen by the Management Resources and Compensation Committee which reviews the material Sales and Investments Incentive Plan
designs, payout distribution, control and monitoring processes and the potential impact they may have on business risk. Division heads are responsible for monitoring material sales and investment compensation plans within their division and must
approve any significant changes to these plans. Division heads must annually attest that these plans do not generate inappropriate levels of business risk to the division and to Manulife as a whole; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Limiting stock options to less than one-third of total target compensation for Senior Executives; </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>53</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A policy which prohibits short selling or buying or selling a call or put option or other derivative in respect of Manulife securities designed to hedge or
offset a change in price and which prohibits the monetization of unvested equity awards by executives and Directors. This policy is incorporated into our Code of Business Conduct and Ethics. All employees and Directors must certify compliance with
the Code annually; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Compulsory share ownership requirements; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A clawback policy for Vice-Presidents and above, under which the Board has the discretion to cancel an executive&#146;s unvested incentive awards and/or
clawback the executive&#146;s vested and/or paid incentive awards, as applicable, in the event of the executive&#146;s fraud, theft, embezzlement or serious misconduct irrespective of whether there was a financial restatement;
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company imposes additional conditions for the CEO, Chief Financial Officer (&#147;CFO&#148;) and Chief Operating Officer (&#147;COO&#148;) as follows:
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Any material restatement of the Company&#146;s financial statements related to CEO misconduct will trigger compensation clawbacks of his compensation.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Company policy requires the CEO, CFO and COO to maintain their share ownership requirement for one year after leaving the Company.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The CEO is required to hold at least 50% of the realized gains from the exercise of stock options in Common Shares during his employment and for one year post
employment. The CFO and COO are also required to hold at least 50% of the realized gains from the exercise of stock options in Common Shares during their employment and for one year post employment unless the executive meets his share ownership
requirement. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chief Risk Officer and Chief Actuary have Annual Incentive Plan and medium-term incentive awards that are delinked from the business performance of the
Company to remove any potential or perceived conflicts of interest in providing unbiased oversight and advice to senior management and the Board. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board is satisfied that good risk governance and sound risk reduction mechanisms as described above are effective in controlling the risk associated with compensation. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>54</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.57em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="tx655868_28"></A>Summary Compensation
Table</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table summarizes compensation awarded to the NEOs during 2013 and the two prior calendar years, in
Canadian dollars unless otherwise noted. As compensation for several executives is established in US dollars, the amounts noted below, which were converted to Canadian dollars, vary from year to year because of exchange rate fluctuations.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>


<TR>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc">
<P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Name and Principal Position</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Year</B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;
</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Salary<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;
<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="white-space:nowrap">Share-Based</FONT><BR>Awards<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;
<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="white-space:nowrap">Option-Based</FONT><BR>Awards<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Non-Equity<BR>Incentive&nbsp;Plan<BR>Compensation</B></FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;
</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;
<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Pension<BR>Value<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;
<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>All Other<BR>Compensation<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP></B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Total<BR>Compensation</B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;
</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;
</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual&nbsp;Incentive<BR>Plans<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">President and CEO</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2012</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2011</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,216,641</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,083,130</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">986,550</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,975,048</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,018,043</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,711,280</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,650,032</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,018,043</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,711,280</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,249,647</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,769,250</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,584,435</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">568,800</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">455,400</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">568,300</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">103,381</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">101,836</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">103,307</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">12,763,549</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">10,445,702</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,665,152</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Steve Roder<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Senior Executive Vice President and&nbsp;Chief Financial Officer</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2012</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">719,393</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">435,805</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,505,700</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">750,644</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,003,800</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">750,644</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,735,273</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">656,405</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">124,000</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">37,400</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">64,636</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">39,454</FONT></P></TD>

<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,152,802</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,670,352</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Warren Thomson</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Senior Executive Vice President and&nbsp;Chief Investment Officer</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2012</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2011</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">685,241</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">649,986</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">641,257</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,325,016</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,097,470</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">887,328</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">883,344</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,097,470</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">887,328</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,993,084</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,250,845</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">549,271</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">189,100</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">115,400</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">103,000</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">75,116</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">64,636</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">66,112</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">5,150,901</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,275,807</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,134,296</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Paul Rooney<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Senior Executive Vice President and&nbsp;Chief Operating Officer</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2012</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2011</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">719,393</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">646,667</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">625,000</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,385,244</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000,000</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">900,000</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">923,496</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,000,000</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">900,000</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,549,351</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">828,100</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">534,240</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">291,700</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">350,000</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">354,200</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">116,836</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">58,381</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">58,307</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">4,986,020</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,883,148</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,371,747</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Jean-Paul
Bisnaire</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:arial" SIZE="1">Senior Executive Vice President, Corporate Affairs and General Counsel</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2013</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">2012</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2011</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">668,008</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">649,986</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">641,257</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,084,104</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">1,396,780</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">838,032</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">722,736</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">897,930</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">838,032</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,058,870</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">744,551</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">480,612</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">132,500</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">104,500</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">94,400</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">68,717</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">67,172</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">68,693</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,734,935</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">3,860,919</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,961,026</FONT></P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-TOP:2px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Salary paid to Messrs. Guloien, Roder, Thomson, Rooney and Bisnaire is established in U.S. dollars but paid in Canadian dollars, converted on a semi-monthly
basis using the Bank of Canada noon rate of exchange on the previous pay date. For 2012 and 2011, Mr.&nbsp;Rooney&#146;s salary was established and paid in Canadian dollars. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Amounts shown represent the dollar value used to determine the number of units awarded to the NEO. The number of units awarded was determined by dividing the
dollar value by the grant date fair value of each unit. The grant date fair value of each unit was the price of a Common Share on the TSX which was the higher of the closing price on the trading day preceding the grant date and the average closing
price for the five trading days preceding the grant date. The grant date fair value factors in the value of dividends credited to units. Amounts shown for 2013 represent PSUs and RSUs awarded to NEOs on February&nbsp;19, 2013 based on a Common Share
price of $15.52 calculated as described above. The vesting of the PSUs is dependent upon the achievement of established performance conditions. Awards established in U.S. dollars were converted to Canadian dollars at an exchange rate of $1.0038 per
US$1.00. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Amounts shown represent the dollar value used to determine the number of stock options awarded to the NEO. For option-based awards, the number of stock
options awarded was determined for the years indicated using the following exercise prices and fair value factors: February 2013: $15.52 and 20.9%;&nbsp;February 2012: $12.64 and 25.6%;&nbsp;June 2012: $11.232 and 25.6%;&nbsp;February 2011: $18.91
and 25.6%. The Black-Scholes factor for 2013 used for determining Accounting Fair Value was calculated using the following variables: (a)&nbsp;expected life of the options of 6.7 years; (b)&nbsp;expected volatility of the Common Share price of 32%;
(c)&nbsp;risk-free interest rate of 1.25%; and (d)&nbsp;expected dividend yield of the Common Shares of 3.7%. For the 2012 grants, the Management Resources and Compensation Committee elected to leave the fair value factor unchanged from 2011 at
25.6%, instead of using the factor used for determining fair value in the Company&#146;s consolidated financial statements (&#147;Accounting Fair Value&#148;). Keeping the factor unchanged resulted in fewer options being granted to NEOs. The 2012
Accounting Fair Value for stock options is lower than the value shown in the Summary Compensation Table by an amount of $424,416 for Mr.&nbsp;Guloien, $105,559 for Mr.&nbsp;Roder, $154,333 for Mr.&nbsp;Thomson, $140,625 for Mr.&nbsp;Rooney and
$126,273 for Mr.&nbsp;Bisnaire. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Annual incentive amounts are paid in cash in the year following the fiscal year in which they were earned. 2013 annual incentive amounts for Messrs. Guloien,
Roder, Thomson, Rooney and Bisnaire were converted to Canadian dollars from U.S. dollars at an exchange rate of $1.0981 per US$1.00. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Pension Value amounts for 2013 are the sum of the amounts shown under the Compensatory Change column of the Pension Tables on page&nbsp;63 for each NEO.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">All Other Compensation for 2013 includes the Canadian Executive Flexible Spending Account (&#147;EFSA&#148;) allowance paid to each of Messrs. Guloien, Roder,
Thomson, Rooney and Bisnaire of $100,000, $55,000, $55,000, $64,336 and $55,000 respectively. For Mr.&nbsp;Rooney, All Other Compensation also includes a $60,000 commuting allowance in respect of his new role as Chief Operating Officer. This
allowance will be payable until December&nbsp;31, 2014. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr.&nbsp;Roder commenced employment as the SEVP and CFO of Manulife Financial on June&nbsp;1, 2012. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr.&nbsp;Rooney&#146;s Pension Value for 2012 reported in last year&#146;s proxy circular ($206,300) was understated by $143,700 due to the incorrect
application of the early retirement factors. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>55</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_29"></A>Outstanding Share-Based Awards and Option-Based
Awards</B></FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="3" VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px">&nbsp;</TD></TR>
<TR>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B>Grant&nbsp;Date</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="11" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Option-Based
Awards<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;
</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Share-Based
Awards<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"><B>Name</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Number of<BR>Securities<BR>Underlying<BR>Unexercised<BR>Options
(#)</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;
</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Option&nbsp;Exercise<BR>Price ($)</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Option&nbsp;Expiration Date</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;<BR>&nbsp;
<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Value of<BR>Unexercised<BR><FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">In-The-Money</FONT></FONT><BR>Options ($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Type&nbsp;
of<BR><FONT STYLE="white-space:nowrap">Share-Based</FONT><BR>Award</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;
</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Number of<BR>Shares or<BR>Units of<BR>Shares&nbsp;That<BR>Have Not<BR>Vested (#)<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3 </SUP></B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;
&nbsp;<BR>&nbsp;&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Market or<BR>Payout&nbsp;Value<BR>of&nbsp;Share<BR>Awards&nbsp;That<BR>Have
Not<BR>Vested&nbsp;($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;
&nbsp;<BR>&nbsp;&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Market or<BR>Payout&nbsp;Value<BR>of Vested<BR>Share-Based<BR>Awards Not<BR>Paid
Out or<BR>Distributed<BR>($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;
&nbsp;<BR>&nbsp;&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD ROWSPAN="14" VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="14" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February&nbsp;11,&nbsp;2004</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">128,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$24.03</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 11, 2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2005</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">128,286</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$29.01</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2015</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2006</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">135,208</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$36.98</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2016</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">139,884</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$40.38</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2017</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">202,945</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$37.71</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2018</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">507,629</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,685,357</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">389,889</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$21.95</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2010</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">617,344</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$19.48</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2020</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$913,669</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">560,071</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$18.91</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2021</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,148,146</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">932,701</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$12.64</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2022</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$7,760,072</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">128,214</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,687,357</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">128,214</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,687,357</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">816,983</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.52</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2023</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$4,444,388</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">153,975</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$3,227,317</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">109,982</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,305,214</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">DSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$4,042,370</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="3" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Steve Roder</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">June 1, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">261,058</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$11.23</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">June 1, 2022</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,539,572</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">70,280</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,473,073</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">309,463</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.52</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2023</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,683,479</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">58,324</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,222,464</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">41,660</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$873,198</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="14" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Warren Thomson</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 11, 2004</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">36,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$24.03</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 11, 2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2005</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">42,094</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$29.01</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2015</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2006</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">41,150</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$36.98</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2016</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">44,038</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$40.38</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2017</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">58,854</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$37.71</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2018</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">255,948</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,353,965</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">24,202</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$21.95</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2010</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">188,342</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$19.48</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2020</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$278,746</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">183,296</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$18.91</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2021</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$375,757</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">339,164</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$12.64</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2022</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,821,844</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">46,623</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$977,219</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">46,623</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$977,219</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">272,328</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.52</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2023</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,481,464</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">51,325</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,075,772</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">36,661</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$768,412</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">DSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$319,465</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="14" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Paul Rooney</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 11, 2004</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">44,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$24.03</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 11, 2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2005</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">37,442</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$29.01</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2015</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2006</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">38,504</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$36.98</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2016</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">41,447</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$40.38</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2017</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">67,648</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$37.71</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2018</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">159,541</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$843,972</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">41,416</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$21.95</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2010</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">160,421</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$19.48</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2020</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$237,423</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">185,914</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$18.91</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2021</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$381,124</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">309,039</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$12.64</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2022</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,571,204</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">42,482</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$890,421</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">42,482</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$890,421</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">284,706</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.52</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2023</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,548,801</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">53,658</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,124,677</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">38,327</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$803,341</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">DSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$820,276</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="14" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Jean-Paul Bisnaire</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">July 5, 2004</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">77,160</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$27.03</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">July 4, 2014</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2005</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">64,142</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$29.01</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2015</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2006</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">58,786</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$36.98</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 15, 2016</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2007</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">62,171</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$40.38</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 16, 2017</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2008</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">87,943</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$37.71</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 20, 2018</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">217,555</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.67</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,150,866</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">36,303</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$21.95</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">May 18, 2019</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2010</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">177,879</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$19.48</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 23, 2020</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$263,261</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">173,113</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$18.91</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 22, 2021</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$354,882</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">277,498</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$12.64</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 21, 2022</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,308,783</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">38,146</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$799,549</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">80,531</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,687,921</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">222,814</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$15.52</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">February 19, 2023</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,212,108</FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">PSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">41,993</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$880,175</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">RSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">29,995</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$628,697</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">DSU</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$418,415</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD COLSPAN="3" VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock options exercised or that have expired and RSUs and PSUs that paid out prior to December&nbsp;31, 2013 are excluded. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The value of unexercised in-the-money stock options is at December&nbsp;31, 2013 and is equal to the difference between the exercise price of the stock
options and the closing price of Common Shares on the TSX on December&nbsp;31, 2013, which was $20.96 per Common Share. The value of in-the-money stock options is zero in instances when the exercise price is higher than the closing price of Common
Shares on the TSX on December&nbsp;31, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The number of PSUs that have not vested is based on a performance factor of 100%. RSUs do not have a performance factor. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The market or payout value of PSUs and RSUs that have not vested is based on the closing price of Common Shares on the TSX on December&nbsp;31, 2013, which
was $20.96 per Common Share. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The market or payout value of DSUs that are payable after the executive leaves the Company is based on the closing price of Common Shares on the TSX on
December&nbsp;31, 2013, which was $20.96 per Common Share. See further details under &#147;Additional Disclosure&#148; on page 58. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>56</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_30"></A>Incentive Plan Awards &#150; Value Vested or Earned During
the Year</B></FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="27%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Name</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Option-Based Awards</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="white-space:nowrap">Share-Based&nbsp;Awards&nbsp;
-</FONT></B></FONT><br><FONT STYLE="font-family:arial" SIZE="1"><B>Value&nbsp;Vested&nbsp;During<BR>the Year ($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="white-space:nowrap">Non-Equity&nbsp;Incentive&nbsp;Plan</FONT><BR><FONT
STYLE="white-space:nowrap">Compensation&nbsp;-&nbsp;Value&nbsp;Earned</FONT><BR>During the Year ($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Value&nbsp;Vested&nbsp;During<BR>the Year ($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Value&nbsp;Received&nbsp;During<BR>the Year ($)<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$552,625</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$2,723,589</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$4,249,647</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Steve Roder</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$338,595</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,735,273</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.50em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Warren&nbsp;Thomson&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$200,955</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$891,341</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,993,084</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Paul Rooney</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$183,106</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$904,042</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,549,351</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Jean-Paul Bisnaire</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$164,419</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$841,816</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,058,870</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:12px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The total value of stock options that vested during 2013. The value is equal to the difference between the exercise price of the options and the closing price
of Common Shares on the TSX on the vesting date. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">There were no stock options exercised and no stock option gains realized during 2013 by any NEO. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The total value includes RSUs and PSUs granted in 2011 that vested and paid out in 2013 as described under &#147;2013 Medium-Term Incentive Plan Results&#148;
on page 41. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The total value of annual cash incentive awards for 2013. Annual incentive awards are also reported in the &#147;Summary Compensation Table&#148; above.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center" BGCOLOR="#e5e5e5">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_31"></A>Performance Graph</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following graph compares the total cumulative shareholder return for $100 invested in Common Shares from
December&nbsp;31, 2008 to December&nbsp;31, 2013 with the cumulative total return of the S&amp;P/TSX Composite Index and the S&amp;P/TSX Composite Financials Index over the same time period. The stock did not perform as well as the indices from 2009
to 2011, but outperformed the indices substantially in 2012 and 2013. This has been reflected in the realized compensation of Manulife&#146;s executives as shown in the Take Home Pay graph on page 58. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Performance Graph </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2">


<IMG SRC="g655868g11u79.jpg" ALT="LOGO">
 </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>57</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following graph compares the Take Home Pay for NEOs over the last five years to the total
shareholder return and demonstrates the strong relationship between compensation and share performance. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Take Home Pay for NEOs
</B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>


<IMG SRC="g655868g98s77.jpg" ALT="LOGO">
 </B></FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>2013</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Take Home
Pay<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP> for NEOs<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$21M</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$7M</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$4M</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$23M</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$72M</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Total Shareholder Return<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">(3%)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">(8%)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">(34%)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">30%</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">60%</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">1</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Take Home Pay for NEOs is equal to compensation received and change in equity value, which is the sum of: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Cash compensation received by the NEOs for a given year, including salary, annual incentive earned, RSU and PSU payouts upon vesting and gains realized from
option exercises,&nbsp;and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The change between the value of outstanding RSUs, PSUs, stock options and DSUs held by NEOs on December&nbsp;31 of the year and the value of outstanding RSUs,
PSUs, stock options and DSUs held by NEOs on December&nbsp;31 of the previous year. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">2</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The NEOs in each of the last five years were: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2013: Messrs. Guloien, Roder, Thomson, Rooney and Bisnaire; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2012: Messrs. Guloien, Roder, Thomson, Bisnaire, Rooney and Bell; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2011: Messrs. Guloien, Bell, Rooney, Thomson and Boyle; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2010: Messrs. Guloien, Bell, Boyle, Thomson and Bisnaire; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2009: Messrs. Guloien, Bell, DesPrez, Boyle and Thomson; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">3</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Total shareholder return is the difference between the total cumulative shareholder return for Manulife, as reported in the Performance Graph above, on
December&nbsp;31 of the year and on December&nbsp;31 of the previous year, expressed as a percentage. Total shareholder return reflects the gain (or loss) by common shareholders during a given year, inclusive of any dividends received.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_32"></A>Additional Disclosure</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Medium-Term and Long-Term Incentive Program Descriptions </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Medium-Term Incentives </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Under Manulife&#146;s Restricted Share Unit Plan, both RSUs and PSUs may be granted. RSUs and PSUs vest within three years and are paid at the end
of the award term based on the Common Share price. PSUs are also subject to performance conditions that are approved by the Board. RSUs and PSUs are credited with additional units when dividends are paid on Common Shares. The Company does not issue
any Common Shares in connection with RSUs and PSUs. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Stock Options </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="1">Stock options are awarded in February of each year and allow participants to purchase Common Shares at a specified exercise price within a specified maximum exercise period of 10 years. </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock options typically vest 25%&nbsp;per year over four years. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Exercise price is equal to the higher of the closing price of Common Shares on the TSX on the last trading day before the date of grant and the average
closing price for the five trading days before the grant date. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Value on exercise is based on the difference between the exercise price at time of grant and the Common Share price at time of exercise.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock options are not granted when the Company&#146;s reporting insiders are prohibited from trading, which is commonly referred to as a &#147;blackout
period&#148;. Annual stock option awards are normally granted following the end of the blackout period after the annual financial results are announced. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The Company does not engage in stock option back-dating. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock options can be granted to select new executives at time of hire. If the hire date falls within a blackout period, the grant is delayed until after the
end of the blackout period. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>58</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Executive Stock Option Plan was approved by shareholders at the 2000 Annual and Special Meeting.
Stock options, DSUs, share appreciation rights, restricted shares and performance awards can be granted under the Executive Stock Option Plan. No amendment may be made to the Executive Stock Option Plan without the approval of the Company&#146;s
shareholders. The maximum number of Common Shares issuable under the Executive Stock Option Plan is 73,600,000, representing 4.0% of Common Shares outstanding as at March&nbsp;11, 2014. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Deferred Share Units (Cash Settled) </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">DSUs entitle holders to receive cash equal to the market
value of the same number of Common Shares when the DSUs are paid&nbsp;out. </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2013, executives in Canada and the U.S. were provided the opportunity to elect to exchange all or a portion of their annual incentive payment, RSUs or
PSUs, into DSUs, subject to local tax rules and rulings. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">DSUs may also be granted to select new hires. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">DSUs assist executives in meeting the Company&#146;s executive share ownership guidelines. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">DSUs are credited with additional units when dividends are paid on Common Shares. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">DSUs cannot be redeemed until an executive leaves the Company and are only transferable upon death. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In addition, eligible U.S. executives are entitled to participate in a program that allows them to defer up to 90% of base salary, as well as any
annual incentive or vested RSUs into a deferred compensation account. Deferred amounts are adjusted as though the funds had been invested in one or more investment options as designated by the Company and selected by the participant. The participant
may elect to receive the total amount of their deferred compensation account in a lump sum or in annual installments at the participant&#146;s choosing, provided the minimum deferral period is at least three years. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Total Stock Options and DSUs Outstanding </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A
total of 20,809,798 Common Shares have been issued in respect of stock options and DSUs under the Executive Stock Option Plan, representing 1.1% of Common Shares outstanding as at March&nbsp;11, 2014. The maximum number of Common Shares that may be
issued within one year or issuable at any time under the Executive Stock Option Plan together with all other share based compensation arrangements to any one participant, or to insiders in aggregate, cannot exceed 5% and 10%, respectively, of the
outstanding Common Shares. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The total number of stock options, share-settled DSUs outstanding and securities available for future grant
under the Executive Stock Option Plan, the Directors Equity Incentive Plan and the Stock Plan for Non-Employee Directors as of December&nbsp;31, 2013 was: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="90%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="middle" ROWSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Plan</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Stock&nbsp;Options/DSUs&nbsp;Outstanding</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Securities&nbsp;Available&nbsp;for&nbsp;Future<BR>Issuance</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Number</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>As&nbsp;a&nbsp;%&nbsp;of&nbsp;Diluted</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Common Shares</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Number</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>As&nbsp;a&nbsp;%&nbsp;of&nbsp;Diluted<BR>Common Shares</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock
Options</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">32,556,813</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1.75</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="4" VALIGN="middle" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="4" VALIGN="middle" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">20,268,769</FONT></TD>
<TD ROWSPAN="4" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="4" VALIGN="middle" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="4" VALIGN="middle" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1.09</FONT></TD>
<TD ROWSPAN="4" NOWRAP VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,322,351</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0.07</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Directors Equity Incentive Plan</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0.00</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Plan for Non-Employee
Directors</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">734,627</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0.04</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>34,613,791</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>1.86</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>%</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>20,268,769</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>1.09</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>%</B>&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Overhang, Dilution and Burn Rates </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Overhang, dilution and burn rates for the past three years are as follows: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>2012</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Overhang<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2.95</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2.97</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3.03</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Dilution<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1.86</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1.81</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2.01</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT
STYLE="font-family:arial" SIZE="1">Burn Rate<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0.24</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0.35</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:2px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0.22</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:2px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Overhang is defined as the total number of Common Shares reserved for issuance to employees and directors, less the number of stock options and share-settled
DSUs redeemed, expressed as a percentage of the total number of Common Shares outstanding as at December&nbsp;31 of each year on a diluted basis. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Dilution is defined as the total number of stock options and share-settled DSUs outstanding, expressed as a percentage of the total number of Common Shares
outstanding as at December&nbsp;31 of each year on a diluted basis. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Burn rate is defined as the number of stock options and share-settled DSUs granted annually, expressed as a percentage of the total number of Common Shares
outstanding as at December&nbsp;31 of each year on a diluted basis. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>59</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Cost of Management Ratio </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table shows the aggregate
cost of NEO total compensation in 2011, 2012 and 2013 as a percentage of the Company&#146;s net income attributed to shareholders: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Year</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>NEO
Total<BR>Compensation</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Net&nbsp;Income&nbsp;Attributed&nbsp;to<BR>Shareholders</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>NEO&nbsp;Total&nbsp;Compensation&nbsp;as&nbsp;a<BR>Percentage of Net
Income<BR>Attributed to Shareholders</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">2013</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">31,788</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,130,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1.02</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">27,355</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,736,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1.58</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">2011</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">23,260</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">129,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">18.03<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">%<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;
</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Based on net income excluding the direct impact of equity markets and interest rates of $1,193,000, the percentage would have been 1.95%.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">Note:</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The NEOs in each of the last three years were: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2013: Messrs. Guloien, Roder, Thomson, Rooney and Bisnaire </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2012: Messrs. Guloien, Roder, Thomson, Bisnaire, Rooney and Bell </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2011: Messrs. Guloien, Bell, Rooney, Thomson and Boyle </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Disclosure Under FSB Principles and Basel Commission for Banking Supervision Pillar 3 Requirements </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Report of the Management Resources and
Compensation Committee on page 28 discloses the composition and mandate of the Management Resources and Compensation Committee. In addition, the decision-making process used to determine the Company-wide compensation program and the most important
design characteristics of our compensation program are set out in the Executive Compensation section of the Proxy Circular. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The tables
below provide aggregate information on compensation in respect of 2013 for employees whose actions have a material impact on the Company&#146;s risk exposure (&#147;Material Employees&#148;). Material Employees include all executives who were
members of the Company&#146;s Executive Committee during the year. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px;padding-bottom:0px; "><FONT STYLE="font-family:arial" SIZE="1"><B>Compensation Awarded in Respect of 2013<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP> </B></FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="25%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Number of<BR>Material<BR>Employees</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Total<BR>Compensation</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($
thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Fixed<BR>Compensation</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($
thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Variable<BR>Compensation<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Non-Deferred<BR>Compensation</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Deferred<BR>Variable<BR>Compensation<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Sign-on<BR>Payments<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($&nbsp;thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>Severance<BR>Payments</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($&nbsp;thousands)</B></FONT></P></TD></TR>


<TR>
<TD VALIGN="middle" ROWSPAN="4" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1">12</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="4" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">46,991</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="4" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">8,338</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">AIP</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">15,777</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="4" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">24,115</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="4" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">22,875</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="4" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ROWSPAN="4" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">RSUs</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">6,474</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">PSUs</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7,551</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Stock&nbsp;Options</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">8,850</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Total:</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">38,652</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Compensation awarded in US$ was converted to Canadian dollars at an exchange rate equal to the semi-monthly Bank of Canada noon rate of exchange on the
previous pay date for Fixed Compensation, $1.0981 per US$1.00 for AIP and $1.0038 per US$1.00 for RSUs, PSUs and Stock Options. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Represents the total of AIP and grant values of RSUs, PSUs and stock options. All Material Employees received incentive awards for 2013.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Represents the total grant values of RSUs, PSUs and stock options. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Manulife did not provide sign-on bonuses to members of the Executive Committee in 2013. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1"><B>Deferred Compensation Outstanding </B></FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Number of<BR>Material<BR>Employees</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>RSUs/PSUs/DSUs<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Stock Options<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Total&nbsp;Value&nbsp;Of<BR>Deferred<BR>Compensation<BR>Outstanding&nbsp;at<BR>Year End</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Deferred<BR>Compensation<BR>Paid Out in<BR>the
Fiscal<BR>Year<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Value
of<BR>Deferred<BR>Compensation<BR>Granted in<BR>2013</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($ thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Implicit&nbsp;Change<BR>in
Deferred<BR>Compensation<BR>Value<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>($
thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Outstanding<BR>Vested</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>($&nbsp;thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Outstanding<BR>Unvested</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>($&nbsp;thousands)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Outstanding<BR>Vested</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>($&nbsp;thousands)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Outstanding<BR>Unvested</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>($&nbsp;thousands)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1">12</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9,145</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">38,013</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">17,363</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">36,556</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">101,076</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9,284</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">14,025</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">69,935</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The values for RSUs, PSUs and DSUs are based on the closing price of Common Shares on the TSX on December&nbsp;31, 2013, which was $20.96 per Common Share.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The value for vested and unvested unexercised in-the-money stock options is equal to the difference between the exercise price of the stock options and the
closing price of Common Shares on the TSX on December&nbsp;31, 2013, which was $20.96 per Common Share. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Represents the total value of RSUs and PSUs vested and paid out and any gains from stock options exercised in 2013. In 2013, no explicit adjustments (eg.
malus, clawbacks or similar reversals or downward revaluations of awards) of deferred compensation or payouts were made. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The Implicit Change in Deferred Compensation Value represents the increase (or decrease) in value of the Deferred Compensation which is attributable to the
change in the share price and performance vesting conditions, as applicable. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>60</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Alignment with FSB Principles for Sound Compensation Practices </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife is committed to ensuring its
compensation program is aligned to the FSB Principles for Sound Compensation Practices and other governance practices related to compensation. The following chart outlines each FSB Principle as well as comments demonstrating Manulife&#146;s
alignment with that Principle. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="60%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Principle</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Alignment</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Comments</B></FONT></TD></TR>


<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The firm&#146;s board of directors must actively oversee the compensation system&#146;s design and
operation.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fully&nbsp;Aligned</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&#146;s Management Resources and Compensation Committee
is mandated to assist the Board of Directors in overseeing Manulife&#146;s global human resources strategy, policies and programs and includes a special focus on compensation. All members of the Management Resources and Compensation Committee must
be independent.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Management Resources and
Compensation Committee reviews and approves the compensation design for all executives including target compensation, performance metrics, financial targets and compensation mix.</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The firm&#146;s board of directors must monitor and review the compensation system to ensure the system
operates as intended.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fully Aligned</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Management Resources and Compensation Committee reviews and
approves compensation outcomes for all Executive Committee members and Control Function Heads including salaries, annual incentive payouts and mid-term and long-term incentive grants and payouts.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Management Resources and Compensation Committee regularly
reviews pay for performance analyses prepared by management and reviewed by its independent advisor to ensure compensation received by Manulife&#146;s senior executives is appropriate relative to its performance, its peers and its intended
design.</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Staff engaged in financial and risk control must be independent, have appropriate authority, and be
compensated in a manner that is independent of the business areas they oversee and commensurate with their key role in the firm.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fully Aligned</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&#146;s Chief Actuary and Chief Risk Officer are
members of the Executive Committee and have direct access to the Board and its Committees. The mix of compensation for these executives differs from that of other Manulife executives to reflect the fact that their incentives are not contingent on
the Company&#146;s financial results. Their annual incentive is based solely on performance against personal objectives and they do not receive PSUs as part of their medium-term incentives.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior executives who primarily provide oversight have no
compensation tied directly to the business units they oversee. For example, divisional oversight heads are compensated under the Corporate incentive plan.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior executives in divisions who primarily provide oversight
have dual reporting lines to the division head and the corporate control function head. The corporate control function head has final say over goal setting, performance and compensation for these employees.</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation must be adjusted for all types of risk.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fully Aligned</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Chief Risk Officer attends Management Resources and
Compensation Committee meetings at which compensation design recommendations are reviewed and approved.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The balanced scorecard approach used in the Annual Incentive
Plan contains specific risk measures within the Operating Targets and Strategic Initiatives components of the Plan.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT
STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On an individual level, results can be adjusted up or down based on overriding criteria, including the evidence of a compliance breach and signals from
compliance, audit or risk. The Board has the ability to adjust total incentive compensation up or down for any significant events which would otherwise produce compensation results that are unreasonable, unrepresentative or otherwise inappropriate.
The Board also has discretion to adjust PSU payouts up or down depending on the Company&#146;s progress towards achieving its risk reduction targets.</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation outcomes must be symmetric with risk outcomes.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fully Aligned</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&#146;s compensation philosophy is &#147;pay for
performance&#148;. Under this philosophy, incentive compensation will be paid out above target in years where Company performance is strong. In years where Company performance is not strong, incentives will either not pay out or will be
significantly reduced.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company Performance Score
used in the Annual Incentive Plan provides a direct link between the overall size of the bonus pool and the performance of the Company and its divisions. This Company Performance Score can range from 0% to 200% of target for Annual Incentive Plan
participants.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Performance goals are also established
to generate symmetric compensation, such that, for a similar probability of occurrence, the upside impact on total compensation of high performance scenarios is similar or lower than the potential downside impact of low performance
scenarios.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife considers specific compensation
risk criteria when considering changes to its compensation program. There are also many controls included in the compensation program (and described throughout this document) which provide management, the Management Resources and Compensation
Committee and the Board with the discretion needed to ensure compensation outcomes are aligned with the Company&#146;s Risk Appetite.</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation payout schedules must be sensitive to the time horizon of risks.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fully Aligned</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife&#146;s compensation program contains a mix of salary,
annual, mid-term and long-term incentives. The Annual Incentive Plan is intended to reward for achievement of annual objectives while mid-term and long-term incentives provide the executive with opportunities to realize rewards over a 3 to 10 year
timeframe. Manulife&#146;s compensation plan delivers payments over the short and longer term to reflect the fact that business risks are realized over both the short and long term.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manulife executives are subject to a clawback policy which
gives the Board discretion to cancel an executive&#146;s unvested incentive awards and/or clawback the executive&#146;s vested and/or paid incentive awards in the event of the executive&#146;s fraud, theft, embezzlement or serious
misconduct.</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The mix of cash, equity and other forms of compensation must be consistent with risk
alignment.</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Fully Aligned</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executives who have the greatest ability to influence risk
have, by design, a significant proportion of total compensation delivered in the form of mid-term and long-term incentives. Executives have 50% or more of their target total direct compensation &#147;at risk&#148; in the form of annual, mid-term and
long-term incentives.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The compensation mix is
reviewed annually to ensure a compensation horizon that is appropriately balanced as well as to confirm appropriate alignment with Manulife&#146;s business strategy and risk appetite.</FONT></P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>61</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Talent and Succession Planning </B></FONT></P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company has a comprehensive integrated
talent and succession planning process applicable to all executives. The Company&#146;s objective is to have high performing individuals in critical roles across the Company and to ensure there is solid, talented bench strength to fill these roles
in the future. Manulife believes in the importance of accelerated career development of high potential and high performing employees through meaningful and varied work experiences, cross-divisional/global mobility and formal development. Talent
priorities are: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The acquisition and retention of high potential talent; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The selective external hiring of seasoned, exceptional executives; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The early identification and assessment of high performers and focused development of those with potential; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Maintaining and monitoring engagement, driving high performance and retention; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Significant differentiation of compensation for high performing and high potential employees. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Manulife&#146;s succession strategy is a blend of promotion from within and external sourcing for key positions, where appropriate. This strategy
ensures smooth and timely transition at senior levels, minimizes disruptions caused by leadership change, maintains consistency in business strategy and practices, and at the same time allows for diverse perspectives and fresh thinking from outside
the Company. Deriving the majority of succession placements from internally developed candidates assists in retaining high potential executives. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Management also focuses attention on executives below the senior executive level to ensure there is a well-trained, high-performing pool of executives with a broad range of business and functional experience and
who contribute to a common culture and values for building a sustainable, high performing Company. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Management Resources and
Compensation Committee meets annually to review the depth of the talent pool and, <I>in camera</I> with the CEO, to review the succession capacity for critical roles in the Company. The committee also reviews the succession plan for all functional
oversight roles (as defined by OSFI) and Senior Executives, including the CEO. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">See the Report of the Management Resources and
Compensation Committee on page 28 and the Statement of Corporate Governance Practices on page 72 for further details on the succession process for the CEO and executives. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_33"></A>Pension Plans</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company has long recognized the financial exposure associated with traditional defined benefit pension plans
and, as such, has been closing these plans to new members and replacing them with capital accumulation-type retirement plans. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Capital
accumulation plans include cash balance, 401(k) and defined contribution plans under which the Company&#146;s favoured approach is to allocate a fixed percentage of each employee&#146;s pensionable earnings taking median market practice into
account. To the extent that pension benefits delivered through registered (or tax qualified) arrangements limit the benefit that would otherwise be provided to executives, the Company may sponsor supplemental arrangements, which are for the most
part unfunded. Executives entitled to supplemental arrangements must comply with non-solicit and, at the most senior levels, non-compete provisions to receive full payment of their supplemental retirement benefits. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Messrs. Guloien and Rooney participate in the registered and supplemental defined benefit pension arrangements in Canada while Messrs. Roder,
Thomson and Bisnaire participate in the registered and supplemental defined contribution pension arrangements in Canada. After reaching his maximum defined benefit pension on May&nbsp;6, 2012, Mr.&nbsp;Guloien began participating in the Supplemental
Defined Contribution Plan, as described in the &#147;Summary of Defined Contribution Plans&#148; on page 65. While in the United States from 2007 to 2009, Mr.&nbsp;Thomson participated in the Company&#146;s U.S. pension arrangements, which included
qualified and closed non-qualified defined benefit cash balance plans, a qualified 401(k) plan and a non-qualified defined contribution plan. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>62</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Pension Table - Defined Benefit Plans </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The table below shows the following information for each NEO participating in the Company&#146;s defined benefit pension arrangements: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Years of credited service as at December&nbsp;31, 2013 and as at the normal retirement age of 65; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The estimated annual benefit accrued, or earned, for service up to December&nbsp;31, 2013 and up to the normal retirement age of 65; and
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A reconciliation of the defined benefit obligation from December&nbsp;31, 2012 to December&nbsp;31, 2013. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Name</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Number&nbsp;of&nbsp;Years&nbsp;of<BR>Credited Service</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Annual&nbsp;Benefits&nbsp;Payable<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Opening<BR>Present<BR>Value&nbsp;of<BR>Defined<BR>Benefit<BR>Obligation<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Compensatory&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Non-</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Compensatory<BR>Change<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Closing<BR>Present<BR>Value&nbsp;of<BR>Defined<BR>Benefit<BR>Obligation<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#bfbfbf">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>December&nbsp;31,<BR>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Age&nbsp;65</B></FONT></P>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>December&nbsp;31,<BR>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Age&nbsp;65</B></FONT></P>
<P STYLE="font-size:9px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Service<BR>Cost<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></TD>

<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000" BGCOLOR="#bfbfbf"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Other<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></B></FONT></P> <P STYLE="font-size:9px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#bfbfbf"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">32.8</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">35.0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,200,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,200,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$14,389,600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$11,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$14,400,900</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Warren Thomson<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3.0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3.0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$10,600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$10,600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$95,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$9,600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$105,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Paul Rooney<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">27.4</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">35.0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$627,400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$800,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$6,272,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$241,600</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$50,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$114,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$6,677,900</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The annual benefits shown are based on current pensionable earnings and credited service to the date or age stated, are subject to the limits discussed below
where applicable, and are payable from age 65 in the normal form, as described below in the &#147;Summary of Defined Benefit Plans&#148; on page&nbsp;64. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The opening present value is the value of the projected pension earned for service to December&nbsp;31, 2012. The values have been determined using the same
actuarial assumptions used for determining the defined benefit pension obligations, as disclosed in Note 17 of the Company&#146;s 2012 consolidated financial statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The service cost shown under the Compensatory Change column is the value of the projected pension earned for service during 2013. The values have been
determined using the same actuarial assumptions used for determining the pension plan obligations, as disclosed in Note 17 of the Company&#146;s 2013 consolidated financial statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Other values shown, if any, under the Compensatory Change column would include the impact of any plan amendments and of any differences between actual and
assumed compensation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The Non-Compensatory Change column includes the impact of amounts attributable to interest accruing on the opening defined benefit obligation, changes in the
actuarial assumptions and methodologies, other experience gains and losses and, in the case of Mr.&nbsp;Thomson, any amounts due to currency fluctuations. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The closing present value is the value of the projected pension earned for service to December&nbsp;31, 2013. The values have been determined using the same
actuarial assumptions used for determining the defined benefit pension obligations, as disclosed in Note 17 of the Company&#146;s 2013 consolidated financial statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">7</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr.&nbsp;Guloien&#146;s annual benefit accrued to December&nbsp;31, 2013, and to age 65, reflects the enhancement made to his grandfathered benefit upon his
appointment as President and CEO on May&nbsp;7, 2009, as discussed below in the &#147;Summary of Defined Benefit Plans&#148; on page 64. Mr.&nbsp;Guloien accrued the maximum annual defined benefit pension as of May&nbsp;6, 2012.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">8</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr.&nbsp;Thomson&#146;s annual benefit accrued to December&nbsp;31, 2013, and to age 65, is the estimated benefit payable from age 65 that could be provided
under the qualified and the closed non-qualified cash balance plans for U.S.-based employees. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">9</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Mr.&nbsp;Rooney&#146;s annual benefit accrued to December&nbsp;31, 2013, and to age 65, is capped by the maximum annual pension accrual for Senior Executive
Vice Presidents, as discussed below in the &#147;Summary of Defined Benefit Plans&#148; on page&nbsp;64. Until Mr.&nbsp;Rooney reaches his 35 year credited service maximum in 2021, he will continue to earn additional pension at the capped accrual
amount of $22,857 for each year of service, at which point he will have accrued his maximum annual pension of $800,000. The closing defined benefit obligation reported in last year&#146;s proxy circular for Mr.&nbsp;Rooney ($5,842,000) was
understated by $430,100 due to the incorrect application of the early retirement factors. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Notes: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The values shown above for Messrs. Guloien and Rooney include pension benefits provided by the Canadian Staff Pension Plan and their respective individual
supplemental retirement agreements and reflect the limits discussed below in the &#147;Summary of Defined Benefit Plans&#148; on page 64. Details regarding entitlements for Mr.&nbsp;Guloien under the Supplemental Defined Contribution Plan are set
out in the &#147;Summary of Defined Contribution Plans&#148; section that follows. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">For Mr.&nbsp;Thomson, the value includes pension benefits provided by the John Hancock Financial Services, Inc. Pension Plan, and by the Manulife Financial
U.S. Supplemental Cash Balance Plan for service up to December&nbsp;31, 2007, and excludes any benefits from the U.S. defined contribution plans. Details regarding entitlements for Mr.&nbsp;Thomson under the latter plans are set out in the
&#147;Summary of Defined Contribution Plans&#148; section that follows. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Benefits under the U.S. cash balance plans are determined and paid in U.S. dollars. The amounts noted in the table above have been converted using exchange
rates of $0.9949 per US$1.00 as at December&nbsp;31, 2012 and $1.0636 per US$1.00 as at December&nbsp;31, 2013. Amounts other than year end balances have been converted using an average 2013 exchange rate of $1.0298 per US$1.00. These exchange rates
are the same as those used in the Company&#146;s 2013 consolidated financial statements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">All members are currently vested in their pension entitlements earned to December&nbsp;31, 2013. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The amounts above make no allowance for the different tax treatment of the portion of pension not paid from the registered or qualified pension plans.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">All amounts shown above are estimated based on assumptions and represent contractual entitlements that may change over time. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The methods and assumptions used to determine estimated amounts will not be identical to the methods and assumptions used by other issuers and, as a result,
the figures may not be directly comparable across issuers. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Pension Table - Defined Contribution Plans </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The table below shows a reconciliation of the account balances from December&nbsp;31, 2012 to December&nbsp;31, 2013 for each NEO participating in
the Company&#146;s defined contribution pension arrangements. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>


<TR>
<TD VALIGN="middle" ROWSPAN="2" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Name</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Opening&nbsp;Accumulated<BR>Value</B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="middle" COLSPAN="5" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Compensatory&nbsp;Change</B></FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;
</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B><FONT STYLE="white-space:nowrap">Non-Compensatory&nbsp;Change</FONT><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD ROWSPAN="2" VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Closing&nbsp;Accumulated&nbsp;Value</B></FONT></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;
</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>

<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Service&nbsp;Cost<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;</B></FONT></TD>

<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Other<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B>
</FONT></TD>
<TD NOWRAP VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald
Guloien</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$260,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$568,800</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$149,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$978,400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Steve
Roder</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$52,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$124,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$32,400</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$208,900</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Warren Thomson<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,314,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$189,100</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$119,300</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,622,700</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Jean-Paul
Bisnaire</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,140,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$132,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$193,500</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">$1,466,000</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The service cost shown under the Compensatory Change column is the aggregate of those amounts contributed, and those amounts notionally credited, by the
Company to each NEO&#146;s account under the plans during 2013. In the case of Mr.&nbsp;Guloien, the amount reflects only the notional credits granted by the Company under the Supplemental Defined Contribution Plan for his service in 2013.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Other values shown, if any, under the Compensatory Change column reflect the impact of any plan amendments and of above-market or preferential notional
investment income credited on account balances. There are no such above-market or preferential notional investment credits provided under the Company&#146;s defined contribution pension plans. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The Non-Compensatory Change amount includes any contributions made to the plans by the NEOs, all investment income credited during the year on the account
balances and any amounts due to currency fluctuations. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Benefits for Mr.&nbsp;Thomson under the qualified 401(k) plan and the non-qualified defined contribution plan are determined and paid in U.S. dollars. The
amounts shown above include amounts that were accrued under these U.S. plans and converted using exchange rates described in the Notes to the Defined Benefit Pension Plans table above. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>63</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Summary of Defined Benefit Plans </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><I>Canada </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Canadian domiciled executives promoted or hired prior to January&nbsp;1, 1999 continue
to participate in the defined benefit component of the Canadian Staff Pension Plan. The Company also entered into individual supplemental retirement agreements with the executives to provide unfunded supplemental pension benefits that are not
registered for tax purposes. Currently, there are only six&nbsp;remaining executives (including Messrs. Guloien and Rooney) who continue to be covered under these agreements. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">These pensions are based on credited service and average pensionable earnings at retirement. Pensionable earnings are calculated as the highest average of base salary plus annual incentive (including the amount
elected to be taken in the form of DSUs) earned over any 36 consecutive months. The pension benefit is determined by taking: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">years of credited service (up to 35) multiplied by </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">the sum of: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">1.3% of pensionable earnings up to the average of the last three years maximum pensionable earnings limits under the Canada/Quebec Pension Plans (&#147;final
average YMPE&#148;); and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">-</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">2% of the excess of pensionable earnings over the final average YMPE ($49,833 for 2013). </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">This pension is determined without regard to the maximum pension limit for registered pension plans under the <I>Income Tax Act</I> (Canada), but
includes the pension payable from the Canadian Staff Pension Plan<I>.</I> </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">On retirement prior to age 65, the pension is payable in full
without reduction if the participant is at least age 50 and the sum of their age plus service totals at least 90. If the participant has less than 90 points but is age 50 or over with 10 or more years of service, the pension is reduced 0.5%&nbsp;per
month that retirement is before age 55 plus 0.25% for each month after age 55 that retirement is before age 60, or the participant&#146;s 90 point date if later. Otherwise, pensions are reduced on an actuarial equivalent basis. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The normal form of pension is payable for the life of the executive, with a minimum guarantee of 120 monthly payments. Payment options of equivalent
value are also available. Without a written waiver from the spouse, a married member must take a reduced pension of equivalent value that guarantees 60 months of payment and, after the member&#146;s death, continues to provide at least
two&nbsp;thirds of the member&#146;s pension to the member&#146;s spouse for his or her lifetime. With the waiver, a married member may elect another payment option with less than two thirds of the member&#146;s pension continuing to the surviving
spouse. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A participant is required to contribute 2% of pensionable earnings up to the current year&#146;s YMPE and 4% of earnings in
excess, up to an annual maximum contribution of $1,000. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The annual pension payable upon retirement under the normal form of the defined
benefit plan is capped at a dollar amount, to be accrued uniformly over a maximum of 35 years of service, as outlined in the table below: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="34%"></TD></TR>


<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#bfbfbf">
<P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><B>Job Grade at Retirement</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#bfbfbf" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#bfbfbf"><FONT STYLE="font-family:arial" SIZE="1"><B>Maximum&nbsp;Annual&nbsp;
Pension (for 35 years of Credited Service)</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Senior Executive
Vice President</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">$800,000</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Executive Vice
President</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">$600,000</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Pensions earned up to December&nbsp;31, 2006 which exceed the caps were grandfathered so that the actual pension
payable at retirement would not be less than the pension earned to December&nbsp;31, 2006, reduced for early commencement, as applicable. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Effective with Mr.&nbsp;Guloien&#146;s appointment as President and CEO on May&nbsp;7, 2009, the cap on his annual pension was increased from
$1,039,200 to $1,200,000, over the period from May&nbsp;7, 2009 to May&nbsp;6, 2012. The amount of pension payable to Mr.&nbsp;Guloien will be less than $1,200,000 due to the spousal pension requirements. For service on and after May&nbsp;7, 2012,
Mr.&nbsp;Guloien participates in the Supplemental Defined Contribution Plan. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under the individual supplemental retirement agreements,
all executives are bound by a non-compete provision during the <FONT STYLE="white-space:nowrap">24-month</FONT> period following their date of termination or retirement. Should an executive breach this provision, the pension due under the agreement
is reduced by one-third. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>64</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><I>U.S. </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Thomson maintains the pension benefits accrued through membership in the following retirement plans from 2007 to 2009 inclusive while employed in the United States: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The John Hancock Financial Services, Inc. Pension Plan, a qualified defined benefit cash balance plan; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Manulife Financial U.S. Supplemental Cash Balance Plan, a non-qualified defined benefit cash balance plan under which benefit accruals ceased as of
December&nbsp;31, 2007; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The John Hancock Supplemental Retirement Plan, a non-qualified defined contribution plan that commenced on January&nbsp;1, 2008; and
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Investment-Incentive Plan for John Hancock Employees, a qualified 401(k) plan. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">This section discusses the provisions of the qualified cash balance plan and the closed non-qualified cash balance plan. The terms of the
non-qualified defined contribution plan and the 401(k) plan are discussed below in the Summary of Defined Contribution Plans section. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">All employees are eligible for and join the John Hancock Financial Services, Inc. Pension Plan upon commencement of employment. Under the plan, a
notional cash balance account is established for each participant. The account receives Company contribution credits equal to 4% of eligible compensation up to the Social Security Wage Base, plus 8% of eligible compensation over the Social Security
Wage Base up to the yearly maximum amount of eligible compensation (US$255,000 for 2013). Eligible compensation is calculated as base salary plus annual incentive received. Participants do not contribute to the plan. The account earns interest
credits based on the average annual yield of 10-year Treasury Constant Maturities in effect on each business day during the 12-month period ending on September&nbsp;30 of the preceding calendar year. Benefits payable at the normal retirement age of
65, or at any retirement age, are determined by the value of the participant&#146;s cash balance account on the date their pension begins. The normal form of pension payment under the plan is a life annuity, with various other choices available,
including a lump sum payment. The pension benefit is not subject to any deduction or offset for U.S. Social Security. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Manulife
Financial U.S. Supplemental Cash Balance Plan is a non-contributory, non-qualified and unfunded defined benefit cash balance plan. Participants stopped receiving Company contribution credits as of December&nbsp;31, 2007. Interest continues to be
credited under this plan based on the yield of one-year Treasury Constant Maturities in effect on the last business day of each month in the <FONT STYLE="white-space:nowrap">12-month</FONT> period ending on November&nbsp;30 of the preceding calendar
year plus 0.25%, subject to a minimum interest credit of 5.25% compounded semi-annually. The normal form of payment under the plan is a modified lump sum. Benefits are paid over 18 months beginning the seventh month after the member leaves the
Company. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under this non-qualified cash balance plan, all executives are bound by a number of post-employment conditions, including a
non-solicit provision that applies during the 24-month period following the date of termination or retirement. Further, executives in a Senior Vice President or higher level position are also bound by a non-compete provision which applies during the
12-month period following termination or retirement for Senior Vice Presidents, during the 18-month period following termination or retirement for Executive Vice Presidents and during the 24-month period following termination or retirement for
Senior Executive Vice Presidents. Should an executive breach any of the post-employment conditions, the full amount of the pension benefits due under the non-qualified cash balance plan may be forfeited. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Summary of Defined Contribution Plans </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><I>Canada
</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Canadian domiciled executives hired after January&nbsp;1, 1999 participate in the defined contribution component of the Canadian
Staff Pension Plan. These executives, as well as those promoted to executive status after January&nbsp;1, 1999, also participate in the Supplemental Defined Contribution Plan. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Under the defined contribution component of the Canadian Staff Pension Plan, participants and the Company both contribute a percentage of pensionable earnings; participants contribute 2% while the Company
contributes 3%. Additional optional contributions ranging from 0.5% to 5% of pensionable earnings may be made by participants in which case, after the first year of employment, the Company makes a 50% matching contribution. Pensionable earnings for
officers include base salary and annual incentive and are subject to a limit of $194,160 for 2013. The limit on pensionable earnings is indexed annually to the percentage increase in the defined contribution limit under the <I>Income Tax Act</I>
($24,270 in 2013). The investment of the contributions is participant directed with a broad array of investment options provided. Vesting of Company contributions is immediate and, at retirement, the accumulated value of the account may either be
transferred to a locked-in retirement vehicle or used to purchase a life annuity. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Supplemental Defined Contribution Plan is a
non-contributory and unfunded plan which is not registered for tax purposes. The plan provides benefits on pensionable earnings above the pensionable earnings limit under the Canadian Staff Pension Plan. Pensionable earnings include base salary and
annual incentive, including the amount elected to be taken in the form of DSUs. A credit equal to 10% of pensionable earnings above the annual earnings limit is granted by the Company each year and allocated to a notional account. Investment income
is notionally credited to the account based on the investment performance of a limited number of investment options, as selected by the participant. Vesting of the Company credit allocation is
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>65</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
immediate. At retirement, the accumulated value of the notional account may be taken as instalment payments over a period of years or, with Company consent, may be withdrawn in a single lump sum.
Effective May&nbsp;7, 2012, Mr.&nbsp;Guloien began participating in this plan on the same basis, and subject to the same terms and conditions, as other eligible executives except that the Company credits allocated to Mr.&nbsp;Guloien&#146;s notional
account are 15% of eligible earnings above the annual pensionable earnings limit. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under the Supplemental Defined Contribution Plan, all
executives are bound by a non-solicit provision that applies during the <FONT STYLE="white-space:nowrap">24-month</FONT> period following the date of termination or retirement. Further, executives, who were hired into or promoted to a Senior Vice
President or higher level position on or after May&nbsp;1, 2007, are also bound by a non-compete provision which applies during the 12-month period following termination or retirement for Senior Vice Presidents, during the 18 month period following
termination or retirement for Executive Vice Presidents and during the 24 month period following termination or retirement for Senior Executive Vice Presidents and above, but only in respect of pension benefits earned after the date of hire or
promotion, as applicable. Should an executive breach either of these provisions, the full amount of the pension benefits due under this supplemental plan and subject to these provisions may be forfeited. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><I>U.S. </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Investment-Incentive Plan for John
Hancock Employees is a qualified 401(k) plan that is available to employees on a voluntary basis. Employees may elect to contribute a percentage of their eligible salary up to a maximum of 50% of salary, subject to IRS prescribed limits. The yearly
maximum amount of salary under the 401(k) plan in 2013 was US$255,000. The Company matches the participant&#146;s contribution at 100%, to a maximum match of 4% of their eligible salary. Contributions are deposited into the participant&#146;s
account and are invested based on the investment elections made by the participant. The Company portion of a participant&#146;s account balance vests after three years of service with the Company. A participant&#146;s account may be distributed when
the participant leaves the Company or becomes permanently disabled. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The John Hancock Supplemental Retirement Plan is a non-contributory,
non-qualified defined contribution plan that came into effect as of January&nbsp;1, 2008 and replaced the Manulife Financial U.S. Supplemental Cash Balance Plan, the prior non-qualified plan. Notional accounts have been created for each participant
and are credited with Company allocations equal to 8% of eligible compensation in excess of the maximum eligible compensation permitted under qualified plans (US$255,000 for 2013). Eligible compensation is calculated as base salary and annual
incentive, including any deferred compensation such as annual incentive elected to be taken in the form of DSUs. The notional investment returns credited to each account are reflective of the investment elections made by each participant. The normal
form of payment under the plan is a modified lump sum, the same as under the prior non-qualified cash balance plan. Benefits are paid over 18 months beginning the seventh month after the member leaves the Company. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under the non-qualified defined contribution plan, all executives are bound by a number of post-employment conditions, including a non-solicit
provision that applies during the 24-month period following the date of termination or retirement. Further, executives in a Senior Vice President or higher level position are also bound by a non-compete provision which applies during the 12-month
period following termination or retirement for Senior Vice Presidents, during the 18 month period following termination or retirement for Executive Vice Presidents and during the 24 month period following termination or retirement for Senior
Executive Vice Presidents. Should an executive breach any of the post-employment conditions, the full amount of the pension benefits due under the non-qualified defined contribution plan may be forfeited. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>66</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px" BGCOLOR="#e5e5e5"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_34"></A>Termination and Change in Control
Benefits</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following table summarizes the incremental payments that would be provided to each NEO at, following, or in
connection with one of the termination scenarios below. The actual amount an NEO would receive on a termination of employment can only be determined at that time since it will depend on a number of variables, such as the NEO&#146;s age and years of
service and the Common Share price. This information below is calculated as at December&nbsp;31, 2013 for all NEOs. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP STYLE="BORDER:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Name</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Type of Payment</B></FONT></TD>

<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Resignation<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Termination<BR>with</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Cause<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Termination<BR>without</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Cause<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Retirement<BR>(Early or<BR>Normal)<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Change in<BR>Control<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>($)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top" ROWSPAN="2" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Donald Guloien</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Total Severance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Additional RSU, PSU &amp; Stock Option Vesting<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.00em"><FONT STYLE="font-family:arial" SIZE="1">Total Incremental Payment</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">7,599,440</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">3,566,569</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">11,166,009</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">15,330,551</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">15,330,551</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9,536,455</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">21,974,178</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">31,510,633</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Incremental Pension Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="2" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Steve Roder</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Total Severance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Additional RSU, PSU &amp; Stock Option Vesting<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.00em"><FONT STYLE="font-family:arial" SIZE="1">Total Incremental Payment</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,427,941</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,427,941</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">n/a</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">n/a</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Incremental Pension Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="2" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Warren Thomson</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Total Severance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Additional RSU, PSU &amp; Stock Option Vesting<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.00em"><FONT STYLE="font-family:arial" SIZE="1">Total Incremental Payment</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">-</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">-</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">1,290,917</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">1,290,917</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">n/a</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Incremental Pension Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="2" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Paul Rooney</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Total Severance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Additional RSU, PSU &amp; Stock Option Vesting<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.00em"><FONT STYLE="font-family:arial" SIZE="1">Total Incremental Payment</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,237,255</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">3,237,255</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">n/a</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">n/a</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Incremental Pension Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" ROWSPAN="2" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Jean-Paul Bisnaire</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Total Severance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">Additional RSU, PSU &amp; Stock Option Vesting<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.00em"><FONT STYLE="font-family:arial" SIZE="1">Total Incremental Payment</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">0</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,409,847</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">7,183,289</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9,593,136</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">n/a</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">2,409,847</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:arial" SIZE="1">7,183,289</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">9,593,136</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Incremental Pension Amount<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">0</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">325,439</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">n/a</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">325,439</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Upon resignation or retirement, no severance is paid. For purposes of the treatment of equity-based awards, Mr.&nbsp;Guloien is eligible for normal
retirement, Mr.&nbsp;Thomson is eligible for early retirement and Messrs. Roder, Rooney and Bisnaire are not eligible for early or normal retirement. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Upon a termination with cause, no severance is paid, employment terminates immediately and PSUs, RSUs, stock options and supplemental pension are forfeited.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The employment agreement for Mr.&nbsp;Thomson does not stipulate his severance entitlement. See Termination Without Cause section below for severance
entitlements for Messrs. Guloien, Roder, Rooney and Bisnaire. For all NEOs, equity-based awards will be treated in accordance with the applicable awards and plans, unless the NEO has an employment agreement and such agreement indicates otherwise.
For more information, see &#147;Medium-Term and Long-Term Incentives&#148; on page 37. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">See &#147;Change in Control Agreements&#148; below. Messrs. Roder, Thomson and Rooney do not have change in control agreements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Additional amount is due to additional vesting in plans. Any vesting that has occurred as part of normal employment (exercised or not) is not reflected here.
The value is based on the closing price of Common Shares on the TSX on December&nbsp;31, 2013, which was $20.96 per Common Share. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">6</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The pension amount shown is the additional amount to which Mr.&nbsp;Bisnaire would have been entitled had his employment been terminated for the noted reason
as of December&nbsp;31, 2013. The amount is incremental to his pension entitlement upon resignation and is due to the 2 additional years of Company pension contributions/credits under the terms of his employment agreement or his Change in Control
Agreement, as discussed below. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Termination without Cause </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Upon a termination without cause, Mr.&nbsp;Guloien&#146;s employment agreement entitles him to 2 times annual salary, 2 times target annual
incentive, 2 times annual Executive Flexible Spending Account allowance and continuation of group insurance benefits coverage (excluding life, short-term and long-term disability insurance coverage) for 2 years. Effective March 2014, Mr.
Guloien&#146;s employment agreement was amended to provide that (i) upon termination of employment for any reason other than cause, one half of the PSUs granted within one year prior to his termination or retirement will not be forfeited and will
continue to vest with payment being made on the scheduled payout date, subject to the PSU performance conditions; and (ii) for all remaining equity-based awards, termination of Mr. Guloien&#146;s employment without cause will be deemed to be a
&#147;normal retirement&#148; and such equity-based awards will vest and be exercisable in accordance with the terms of the applicable plan and grant agreement. These entitlements are conditional on Mr.&nbsp;Guloien signing a full and final release
and remaining bound by the confidential information (indefinite duration), intellectual property (indefinite duration), non-solicitation (2 year duration), non-competition (1 year duration) and non-disparagement covenants (indefinite duration) in
his employment agreement, which if any/all are breached would entitle Manulife, in addition to any other rights and remedies it may have at law or in equity, to seek to have an injunction issued by the court. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Upon a termination without cause, Mr.&nbsp;Roder&#146;s employment agreement entitles him to 18 months of notice or compensation in lieu of notice,
which includes base salary at the time of termination and a pro-rated Annual Incentive Plan payment calculated at target. Mr.&nbsp;Roder is also entitled to 18 months of continued participation in the group benefits plan (excluding life, short-term
and long-term disability insurance coverage). If Mr.&nbsp;Roder becomes re-employed in a comparable position during the severance period, he will no longer be eligible to participate in the group benefits plans, his severance payments will
immediately cease and he will be entitled to a lump sum payment of 50% of his remaining payments. RSUs, PSUs, DSUs and/or Stock Options shall cease to vest (and, in the case of Stock Options, be exercisable) in accordance with the terms and
conditions of the relevant plan documents and award agreements. These entitlements are conditional on Mr.&nbsp;Roder signing a full and final release and remaining bound by the confidential information (indefinite duration), intellectual property
(indefinite duration), non-solicitation (2 year duration), non-competition (2 year duration) and non-disparagement covenants </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>67</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
(2 year duration) in his employment agreement, which if any/all are breached would entitle Manulife, in addition to any other rights and remedies it may have at law or in equity, to seek to have
an injunction issued by the court. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Upon a termination without cause, Mr.&nbsp;Rooney&#146;s employment agreement entitles him to 24
months of compensation (which will include base salary and target Annual Incentive Plan only). Manulife has the sole discretion to provide this compensation as a single lump sum payment or a series of payments over time or a combination thereof. If
Manulife decides to provide all or any of the compensation as a series of payments over time and during the 24 months following termination Mr.&nbsp;Rooney secures new employment or self-employment, the payments will stop and he will be entitled to
receive a final lump sum payment equal to 50% of the payments that remain. RSUs, PSUs, DSUs and/or Stock Options will cease to vest (and, in the case of Stock Options, cease to be exercisable) in accordance with the terms and conditions of the
relevant plan documents and award agreements. These entitlements are conditional on Mr.&nbsp;Rooney signing a full and final release and remaining bound by the confidential information (indefinite duration), intellectual property (indefinite
duration), non-solicitation (2 year duration), non-competition (2 year duration) and non-disparagement covenants (2 year duration) in his employment agreement, which if any/all are breached would entitle Manulife, in addition to any other rights and
remedies it may have at law or in equity, to seek to have an injunction issued by the court. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Bisnaire&#146;s employment
agreement states that upon a termination without cause, his entitlements shall be determined in accordance with severance compensation provisions of his Change in Control Agreement (as described below under Change in Control). </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Change in Control </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Guloien and
Mr.&nbsp;Bisnaire have change in control agreements. These agreements protect the executives from the loss of employment benefits in connection with a change in control of the Company, thereby allowing the executives to focus on the business at that
time. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Under the agreements, &#147;Change in Control&#148; can generally be described to include any one of the following events:
</FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The incumbent Directors cease for any reason to constitute at least a majority of the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Any party becomes a beneficial owner holding directly or indirectly 20% of the Company&#146;s voting shares (for Mr.&nbsp;Guloien the percentage is 35%).
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s shareholders approve a merger, amalgamation, consolidation, statutory share exchange or a similar transaction requiring the approval of the
Company&#146;s shareholders, unless immediately following the transaction the Company&#146;s shareholders retain majority voting control, no person would beneficially own 20% or more of the Company&#146;s voting shares (for Mr.&nbsp;Guloien, the
relevant percentage is 35%), and the incumbent Directors constitute a majority of the board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s shareholders approve the complete liquidation or dissolution of the Company or the sale of the Company&#146;s assets, unless immediately
following the transaction pre-existing beneficial owners retain majority voting control, no person would beneficially own 20% or more of the Company voting shares (for Mr.&nbsp;Guloien, the relevant percentage is 35%) and the incumbent Directors
constitute a majority of the board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Management of the Company is transferred to a non-affiliated party. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Under the agreements, &#147;Good Reason&#148; can generally be described to include any one of the following events during the protection period specified in the agreements: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company diminishes the executive&#146;s position, authority or scope or scale of duties or responsibilities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company requires the executive to be based at a location more than 40 km from his current work location or to travel to a significantly greater extent.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company reduces the executive&#146;s annual base salary or fails to provide salary adjustments that are comparable to the adjustments provided to other
executive employees of the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company reduces the executive&#146;s annual incentive opportunity. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company fails to either continue or provide an alternative to the Company&#146;s welfare benefits plans or programs in respect of benefits, perquisites
and expense reimbursements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Any failure to maintain reasonable and adequate indemnification in respect of the executive&#146;s services as an officer. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Guloien entered into a change in control agreement when he was appointed President and CEO in May 2009. Under Mr.&nbsp;Guloien&#146;s
agreement, upon a Change in Control and an involuntary or constructive termination of his employment without cause within a specified protection period starting 90 days before and ending 24 months after a Change in Control, he is entitled to the
following: payment of 3 times annual salary, payment of 3 times his average annual incentive awarded in the prior 3 years, full vesting and payment of outstanding awards, including those granted within the past year, continued group insurance
benefit coverage (excluding life and disability insurance coverage) for up to 3 years, 2 years eligibility for relocation benefits under the Company&#146;s relocation policy, extension of the stock option exercise period until the later of 1 year
after the date of termination and the date specified in the applicable award (but in no event later than the option expiry date). Mr.&nbsp;Guloien&#146;s change in control agreement also provides that if following a Change in Control the successor
employer fails to assume or honour Mr.&nbsp;Guloien&#146;s existing medium-term and long-term incentive plans and/or provide equivalent substitute plans, he is entitled to acceleration and vesting of all existing awards. As of March 2014,
Mr.&nbsp;Guloien agreed to amend his change in control agreement to reduce his entitlement from 3 to 2 times annual salary and average annual incentive awarded in the prior 3 years with other provisions unchanged. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>68</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Mr.&nbsp;Bisnaire entered into a change in control agreement when he was hired in May 2004. Under
Mr.&nbsp;Bisnaire&#146;s agreement, upon a Change in Control and an involuntary or constructive termination of his employment without cause within a specified protection period starting 90 days before and ending 24 months after a Change in Control,
he is entitled to the following: payment of 2 times annual salary, payment of 2 times his average annual incentive awarded in the 3 prior years, full vesting and payment of outstanding awards (except that Mr.&nbsp;Bisnaire can only exercise stock
options for 1 year from the date of change in control), up to 2 additional years of Company pension contributions/credits, up to 2 years of continued group insurance coverage (excluding life and disability insurance coverage), 2 years eligibility
for relocation benefits under the Company&#146;s relocation policy, waiver of any non-competition provisions under any agreement between Mr.&nbsp;Bisnaire and the Company and, until the earlier of the end of the protection period and the date
Mr.&nbsp;Bisnaire obtains employment, outplacement services and a rental office away from the Company&#146;s premises, including secretarial support and telephone and photocopy allowance. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>RSUs, PSUs, Stock Options and DSUs Upon Change of Employment Status </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following chart
summarizes the treatment of RSUs, PSUs, stock options and DSUs upon retirement, death and resignation or termination without cause: </FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="21%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="21%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="22%"></TD></TR>
<TR BGCOLOR="#d8d8d8">
<TD VALIGN="middle" NOWRAP STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Award</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Normal
Retirement<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Early
Retirement<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1"><B>Death</B></FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc">
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>Resignation&nbsp;or&nbsp;
Involuntary<BR>Termination<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></B></FONT></P></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">RSUs/PSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">RSUs/PSUs vest and full payment is made on the scheduled payout date, subject to any
performance conditions.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Number of RSUs/PSUs is pro-rated and the pro-rated payment is made on the scheduled
payout date, subject to any performance conditions.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">RSUs/PSUs vest and are fully payable as of the date of death. Performance conditions are
waived.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">RSUs/PSUs are forfeited.</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Stock Options</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Unvested options continue to&nbsp;vest until the third anniversary of normal retirement.
Vested options can generally be exercised until the third anniversary of&nbsp;normal retirement.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Unvested options terminate. Vested options can be exercised until the third anniversary
of early retirement.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Unvested options vest and vested options can be exercised within one year of the date of
death.</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Unvested options are forfeited upon resignation and continue to vest
for 90&nbsp;days upon termination without cause. Vested options may be exercised within 90 days of the date of a resignation or termination without cause.<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px">
<P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">DSUs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="7" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">Can be redeemed by December 15<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">th</SUP> of the following year for executives in Canada and on the date designated on the executive&#146;s deferral election form for executives in the United States.</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Normal Retirement is met for awards granted in 2008 and beyond at age 65, age 60 plus 10 years continuous service or age plus continuous service equals 75
with a minimum age 55. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Early Retirement is met for awards granted in 2008 and beyond at age 55 plus 10 years continuous service. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">The treatment described in this column may be subject to the terms of an NEO&#146;s employment agreement, as set out in the &#147;Termination and Change in
Control Benefits&#148; section on page&nbsp;67. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">If during the severance period that follows a termination without cause an executive would reach normal or early retirement, vested options may be exercised
until the end of the severance period. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">Notes:</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1"></FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock options, PSUs and RSUs are forfeited if an executive&#146;s employment terminates within one year of the grant date. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock option, PSU and RSU award agreements contain post-employment conditions which, if breached, may result in forfeiture of unvested awards. For NEOs,
two-year non-competition and two-year non-solicitation conditions apply. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Beginning in 2012, stock option, PSU and RSU award agreements contain a clawback provision, which allows the Board to recoup or cancel incentive compensation
in the event of fraud or serious misconduct by an executive. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock options, PSUs and RSUs are forfeited on a termination with cause. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Stock options, PSUs, RSUs and DSUs are transferable upon death to a beneficiary or an estate. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">In no event can stock options vest or be exercised following the expiration of the ten-year option term. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">In 2012, a temporary policy was implemented for terminations without cause under the Organizational Design project as follows: </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">If an executive would reach normal or early retirement during the severance period, 2011 and 2012 RSUs and PSUs are paid in full on the scheduled payout date,
subject to any performance conditions; options continue to vest during the severance period and vested options may be exercised within three years of the date of termination; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">If an executive would not reach normal or early retirement during the severance period, 2011 and 2012 RSUs and PSUs are pro-rated to the date of termination
and the pro-rated payment is made on the scheduled payout date, subject to any performance conditions; options continue to vest during the severance period and vested options may be exercised within 90 days of the end of the severance period.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.50em"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="tx655868_35"></A>Securities Authorized for Issuance Under Equity Compensation
Plans</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The shareholders of the Company have approved all equity compensation plans instituted by the Company under which
Common Shares may be issued (&#147;Equity Plans&#148;). A description of the material features of each Equity Plan can be found in the sections &#147;Executive Compensation&#148; and &#147;Director Compensation&#148;. The following table sets out
information about the Equity Plans of the Company as of December&nbsp;31, 2013. </FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="26%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="20%"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;Number&nbsp;of&nbsp;securities&nbsp;to&nbsp;be&nbsp;issued&nbsp;upon&nbsp;&nbsp;</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>exercise of outstanding options,</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>warrants and rights</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;Weighted&nbsp;average&nbsp;of&nbsp;exercise&nbsp;price&nbsp;&nbsp;</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>of&nbsp;outstanding options, warrants</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>and&nbsp;rights</B></FONT></P></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:arial" SIZE="1"><B>&nbsp;&nbsp;Number&nbsp;of&nbsp;securities&nbsp;remaining&nbsp;&nbsp;</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>available for future
issuance</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="1"><B>under&nbsp;Equity Plans</B></FONT></P></TD></TR>


<TR>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px" BGCOLOR="#cccccc"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">(#)</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">($)</FONT></TD>
<TD VALIGN="bottom" BGCOLOR="#cccccc" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:2px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px" BGCOLOR="#cccccc"><FONT STYLE="font-family:arial" SIZE="1">(#)</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Equity compensation plans<BR>approved by security holders</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">34,613,791</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">$21.05</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">20,268,769<SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Includes 418,000 common shares reserved for issuance under the Director Equity Incentive Plan as at December&nbsp;31, 2013. This plan was terminated effective
February&nbsp;13, 2014 and, as of the date of this Proxy Circular, no securities are reserved for issuance under this plan. See the section titled &#147;Director Compensation&#148; for more information. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>69</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.43em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_36"></A>Directors&#146; and Executive Officers&#146;
Indebtedness</B></FONT></P></TD></TR>
</TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">As of February 28, 2014 the aggregate indebtedness to the Company or any of its subsidiaries of all
officers, Directors and employees and former officers, Directors and employees of the Company or its subsidiaries, excluding routine indebtedness under applicable Canadian securities laws, amounted to $922,173. As of February 28, 2014, no Director
had any indebtedness to the Company or any of its subsidiaries. In addition, as of February 28, 2014, no members of the Executive Committee had any indebtedness to the Company or any of its subsidiaries, other than routine indebtedness.
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company has adopted related party transaction procedures to ensure that any loans to Directors
and senior officers, as defined under the Act, are in compliance with the provisions of SOX and the Act. Under those procedures, the Company and its subsidiaries (except Manulife Bank) will not make loans to Directors or senior officers. Manulife
Bank may make loans to Directors or senior officers provided that the loan is on market terms or part of a benefit or compensation program available to all employees and does not give preference to Directors or senior officers.
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>
 <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.43em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_37"></A>Additional Items</B></FONT></P></TD></TR>
</TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><A NAME="tx655868_38"></A>Directors&#146; and Officers&#146; Insurance </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company maintains a Directors&#146; and Officers&#146; Liability Insurance policy with a policy limit of US$300 million. The current policy
expires March&nbsp;31, 2014. This policy is renewed annually. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The policy provides protection to directors and officers against liability
incurred by them in their capacities as directors and officers of the Company and its subsidiaries. The policy also provides protection to the Company for claims made against directors and officers. The Company has contractually indemnified
directors and officers, as is required or permitted under applicable statutory or Company by-law provisions. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><A NAME="tx655868_39"></A>Additional
Information </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Financial information of the Company is provided in the Company&#146;s consolidated annual financial statements for the
year ended December&nbsp;31, 2013 and Management&#146;s Discussion and Analysis of the Company&#146;s financial condition and results of operations for 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company&#146;s Annual Information Form includes additional information on the Audit Committee in the section entitled &#147;Audit Committee&#148;, including the Audit Committee&#146;s charter, composition and
the relevant education and experience of its members. To obtain a copy of the Company&#146;s latest Annual Information Form, the audited annual financial statements, Management&#146;s Discussion and Analysis of the Company&#146;s financial condition
and results of operations for 2013, any interim financial reports filed after the filing of the most recent annual financial statements, this Proxy Circular, or other information on the Company, please visit the Company&#146;s profile on
www.sedar.com or our website at www.manulife.com or send your request for a free copy of any such document to: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="64%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Shareholder Services</FONT></P></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="1">Manulife Financial Corporation</FONT></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:arial" SIZE="1">200 Bloor Street East, Toronto, ON M4W 1E5</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Telephone:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-795-9767</FONT></FONT></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Fax:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">416-926-3503</FONT></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="white-space:nowrap">E-Mail:</FONT></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">shareholder_services@manulife.com</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><A NAME="tx655868_40"></A>2013 Annual Report </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company&#146;s 2013 Annual Report is available on our website at www.manulife.com. You may also request a printed copy of the 2013 Annual Report which will be sent to you free of charge. Please include your
name, full mailing address including country and postal code and quote the
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
Form number IR3925E for an English copy, or IR3925F for a French copy. Send your request by: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="85%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="white-space:nowrap">E-mail:</FONT></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Manulife@datagroup.ca</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Fax:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">North America Toll-free Fax: 1- 877-886-8854</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Phone:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">905-494-4114</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">North America Toll-free: 1-855-219-4029</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:arial" SIZE="1">Mail:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">DATA Group of Companies</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Attn: Manulife CSRs</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">9195 Torbram Road</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Brampton, ON</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">Canada L6S 6H2</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><A NAME="tx655868_41"></A>Performance and Non-GAAP Measures </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">We use a number of non-GAAP financial measures to measure overall performance and to assess each of our businesses. A financial measure is
considered a non-GAAP measure for Canadian securities law purposes if it is presented other than in accordance with generally accepted accounting principles used for the Company&#146;s audited historical financial statements. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Non-GAAP measures referenced in this Proxy Circular include: core earnings, net income excluding the direct impact of equity markets and interest
rates; sales; new business embedded value; and funds under management. Non-GAAP financial measures are not defined terms under GAAP and, therefore, are unlikely to be comparable to similar terms used by other issuers. Therefore, they should not be
considered in isolation or as a substitute for any other financial information prepared in accordance with GAAP. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">For further information
regarding the non-GAAP measures referred to above, see &#147;Performance and Non-GAAP Measures&#148; in our most recent Management&#146;s Discussion and Analysis which is available on the Company&#146;s website at www.manulife.com. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B><A NAME="tx655868_42"></A>Directors&#146; Approval </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">This Proxy Circular is dated as of March&nbsp;11, 2014 and, except as otherwise indicated, all the information contained in this Proxy Circular is given as of that date. The Board has approved the contents and the
distribution of this Proxy Circular to shareholders. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Stephen P. Sigurdson </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2">Corporate Secretary </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">March&nbsp;11, 2014
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>70</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"> <P STYLE="margin-left:0.43em"><FONT STYLE="font-family:ARIAL" SIZE="4"><B><A NAME="tx655868_43"></A>Statement of Corporate Governance
Practices</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Table of Contents: </B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory
Compliance</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page&nbsp;71</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mandate
of the Board of Directors:</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Strategic Planning</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Risk Management Oversight</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:4.38em; text-indent:-2.50em"><FONT STYLE="font-family:arial" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#216;</FONT></FONT><FONT
STYLE="font-family:arial" SIZE="1"></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Succession Planning</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT
STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 72</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 72</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 72</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 72</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mandates for the Chairman, Committee
Chairs, CEO and Individual Directors</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 72</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independence of the Board</FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 72</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independence of the Chairman of the
Board</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 73</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nomination of Directors</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 73</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board Size and Quorum</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 73</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder Nominations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 73</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board Term Limits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director Resignations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Majority Election of Directors
Policy</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board Committees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board Committee
Membership</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board Committee
Responsibilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 74</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board, Committees, Directors and Chairman
Evaluation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 75</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CEO Evaluation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 75</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director Compensation and Equity
Ownership</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 75</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New Director Orientation and Director
Continuing Education</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 75</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent Directors&#146;
Meetings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board Interlocks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board Access to
Management</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retention of Outside Advisors by
Directors</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ethical Business Conduct</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conflicts of Interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CEO and CFO Certification of Financial
Statements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Disclosure and Communication Policies and
Procedures</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 77</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder Engagement
Program</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 78</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder Proposals</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 78</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appendix
&#147;1&#148; &#150; Board of Directors&#146; Mandate</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1">Page 79</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>The following highlights various elements of the Company&#146;s corporate governance program. </B></FONT></P>
<P STYLE="margin-top:9px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Manulife believes that good corporate governance is critical to its long-term success and the protection of the interests of its many
stakeholders. Manulife&#146;s governance policies and practices are consistent with its vision to be the most professional financial services organization in the world providing strong, reliable, trustworthy and forward-thinking solutions for its
clients&#146; most significant financial decisions. </B></FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;
</P><DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Regulatory Compliance </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company&#146;s corporate governance practices meet or exceed the requirements of: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The <I>Insurance Companies Act</I> (Canada) (the &#147;Act&#148;); </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate Governance Guidelines established by the Office of the Superintendent of Financial Institutions; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Canadian Securities Administrators&#146; (&#147;CSA&#148;) National Instruments 52-109 <I>Certification of Disclosure in issuers&#146; </I>Annual<I> and
Interim Filings </I>(the &#147;Certification Instrument&#148;) and 52-110 <I>Audit Committees</I> (the &#147;Audit Committee Instrument&#148;);
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">CSA National Policy 58-201 <I>Corporate Governance </I>Guidelines and National Instrument 58-101 <I>Disclosure of</I> <I>Corporate Governance Practices</I>
(the &#147;Governance Instrument&#148;); </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The applicable requirements of the Sarbanes-Oxley Act of 2002 (&#147;SOX&#148;), including any U.S. Securities and Exchange Commission (the &#147;SEC&#148;)
rules under SOX; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The domestic issuer standards of the New York Stock Exchange Listed Company Manual (the &#147;NYSE Rules&#148;), in all material respects.
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>71</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Mandate of the Board of Directors </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board is responsible for the stewardship of the Company and the supervision of the management of the business and affairs of the Company. The Board&#146;s general responsibilities are set out in the Board
Mandate and the Board Policies. The Board Mandate is attached as Appendix &#147;1&#148; and is available on the Corporate Governance page of the Company&#146;s website at www.manulife.com. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board carries out its key duties of strategic planning, risk management oversight and succession planning established in its Mandate in the
following ways: </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><I>Strategic Planning </I></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board works with management in the development of the Company&#146;s strategy; annually approves the strategic plan, taking into account the opportunities
and risks of the business; and monitors its implementation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Annually, the Board conducts a two day strategic planning session, where the Board discusses management&#146;s recommendations for the overall corporate
strategy, reflecting the previously provided Board direction, and the Board approved risk appetite. Following this interactive session, management takes the direction of the Board into consideration in refining the plan, which is then presented to
the Board for final approval in December. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board annually reviews and approves the business plan, which includes the financial and operational plans, the capital plan and the Company&#146;s risk
appetite. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board discusses updates to and progress on the implementation of the Company&#146;s strategy at each Board meeting. These updates provide the Board with
an opportunity to challenge management assumptions, evaluate progress, and provide direction on the development of further strategic plans. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><I>Risk Management Oversight </I></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Exercises oversight of risk management directly and through the Risk Committee, Audit Committee and the Management Resources and Compensation Committee.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Through the Risk Committee, reviews the principal risks and assesses whether the key risks of the Company have been identified. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Risk Committee approves and assesses policies, procedures and controls to identify, assess and manage the Company&#146;s principal risks.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Risk Committee reviews the Company&#146;s compliance with its risk management and legal and regulatory requirements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Risk Committee receives regular reports from management on the Company&#146;s key risks, reviews the risk profile relative to the risk appetite and
considers the appropriate balance of risk and return. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Audit Committee reviews guidelines and policies governing the process by which risk assessment and management is undertaken. The Chief Risk Officer
reports on the risk management process to the Audit Committee. The Audit Committee also receives key risk reports presented to the Risk Committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee and the Risk Committee each review the
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2" COLOR="#000000">&nbsp;</FONT></TD>
<TD WIDTH="1"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
alignment of the compensation program with sound risk management principles and the Company&#146;s risk management objectives. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A detailed description of the Risk Committee&#146;s and the Management Resources and Compensation Committee&#146;s responsibilities in assessing
risk is set out in the respective committee reports on pages&nbsp;27 and 28, respectively, as well as in the Compensation, Discussion and Analysis under the heading &#147;Managing Risk Associated with Compensation&#148; on page&nbsp;53. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><I>Succession Planning </I></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee in conjunction with the Board are responsible for the succession process for the CEO and oversight of the
succession process for the members of the Company&#146;s Executive Committee and the heads of the oversight functions. This includes an annual review of the succession pool and gaps in the readiness and development plans.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee annually reports to the Board on succession planning. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee in conjunction with the Board annually reviews and assesses the contingency succession plans for the CEO.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Mandates for the Chairman, Committee Chairs, CEO and Individual Directors </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board maintains mandates outlining the accountabilities for the Chairman, the Chairs of Board committees, the CEO and the individual directors,
which are reviewed and updated annually. The mandates are available on the Corporate Governance page of the Company&#146;s website at www.manulife.com or can be obtained by contacting the Corporate Secretary. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Independence of the Board </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The independence
of the Board of Directors is fundamental to its stewardship role and its effectiveness. The Board Policies require that a majority of directors be independent and the Board has adopted an independence policy. Directors must satisfy the requirements
of the independence policy, which includes applicable independence requirements of the laws governing the Company, the stock exchanges on which the Company&#146;s securities are listed and applicable securities regulatory authorities. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board annually reviews and makes a determination as to the independence of each director. The Board reviews the directors&#146; employment
status (and the director&#146;s spouse and children, as applicable), other board memberships, Company shareholdings and business relationships and, for members of the (i)&nbsp;Audit Committee, any consulting, advisory or other compensatory fee
received from the Company and its affiliates; and (ii)&nbsp;Management Resources and Compensation Committee, the sources of the director&#146;s remuneration, to determine whether there are any circumstances which might interfere with a
director&#146;s ability to exercise independent judgment. </FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>72</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board has determined, based on a review of the governing definitions of &#147;independence&#148;
under the NYSE Rules, the Governance Instrument, and the Audit Committee Instrument, an analysis of the relationships between each director and the Company, and on advice from the Corporate Governance and Nominating Committee, that only one of the
directors has a direct or indirect material relationship with the Company which could, in the view of the Board, be reasonably expected to interfere with the exercise of his or her independent judgment. As an executive officer of the Company,
Mr.&nbsp;Guloien is considered to have a material relationship with the Company and therefore does not meet the independence standards. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Independence
of the Chairman of the Board </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board is committed to a separate Chairman and CEO, which the Board first implemented in August
1993<B>. </B>This structure ensures independent Board leadership and oversight of the management of the Company for the long-term benefit of its stakeholders. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chairman is an independent director and is elected each year by the independent directors following the election of the directors at the annual meeting.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chairman&#146;s mandate (available at www.manulife.com) makes the Chairman accountable for ensuring that the Board carries out its responsibilities
effectively and separately from management. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chairman&#146;s principal accountabilities include managing the affairs of the Board, developing the composition, structure and renewal of the Board,
guiding the Board&#146;s deliberations on strategic and policy matters and ensuring proper oversight by the Board is exercised. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Nomination of Directors </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate
Governance and Nominating Committee is responsible for identifying qualified candidates for nomination to the Board. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board
acknowledges that an effective Board requires directors to have the integrity, competencies and capabilities to carry out their fiduciary duties in the best interests of the Company and its shareholders. To effectively execute their duties,
directors should have the requisite experience, skill, time and commitment. The Board has identified that the following characteristics are necessary for all Board candidates: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A reputation for integrity and ethical behaviour; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A demonstrated ability to exercise judgment and communicate effectively; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Be financially knowledgeable; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Be prominent in the individual&#146;s area of expertise; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Have previous experience relevant to the Company&#146;s operations; and </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Have sufficient time to dedicate to Board and committee work.
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate Governance and Nominating Committee engages in the following activities to ensure an
effective process for selecting candidates for nomination: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Develops criteria for the selection of new directors. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Identifies the desired competencies, expertise, skills, background and personal qualities that are sought in potential candidates, taking into consideration
the Company&#146;s strategy and business challenges. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Maintains the desired competencies in a directors&#146; skills matrix. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">At least annually reviews these criteria to determine whether any amendments are required or whether there are any gaps in the skills of the existing
directors. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Considers gender, ethnic background, geographic representation and other personal characteristics that contribute to diversity amongst Board members
recognizing that it is the skills, experience and integrity that are most important in assessing candidates and their potential contributions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Identifies at least annually individuals with expertise in the areas identified, whose skills and characteristics complement the existing mix, and are
qualified and suitable to become Board members, taking into consideration any gaps identified in the Experience Matrix (see page&nbsp;10). </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The committee has retained the services of an executive search firm who specializes in director searches. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Once the committee has identified potential candidates, they are interviewed by the Chairman, the Chairs of one or more of the committees, and particularly
the Chairs of the committees that the potential candidate would be appointed to, and the CEO. The Chairman discusses the time commitments and performance expectations with the potential candidates. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">At the completion of this process, the committee recommends that the Board approve the appointment of the potential candidate. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Size and Quorum </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board, together
with the Corporate Governance and Nominating Committee, regularly considers the size of the Board, taking into account various factors, including the need for representation in the desired competencies, expertise, skills, background and personal
qualities identified by the Corporate Governance and Nominating Committee. This year 14 candidates have been nominated for election at the Meeting. The Board may appoint additional directors between annual meetings. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Quorum for meetings of the Board is a majority of its members. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Shareholder Nominations </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board will consider a nomination of a candidate for the
Company&#146;s Board from a shareholder that is submitted in accordance with the Act<I>. </I>A proper nomination must be submitted by shareholder proposal, signed by one or more registered or beneficial holders of shares representing in aggregate
not less than five per cent of the shares of the Company entitled to vote at the meeting to which the proposal is being submitted.
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>73</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Term Limits </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">To balance the benefits of experience and the need for renewal and new perspectives, the Board has established term limits for independent directors. Independent directors will not be nominated for re-election at
an annual meeting after reaching 12 years of service on the Board. In exceptional circumstances, having regard to the specific expertise of the director and the needs of the Board at that time, the Board has the discretion to recommend for
re-election an independent director who has reached 12 years of service for additional one year terms for up to three years. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In order to
enable the transition from a mandatory retirement policy to term limits, independent directors who, as of the date of the Meeting, have reached at least 12 years of service but have not reached the mandatory retirement age in effect prior to
December&nbsp;5, 2013 may be recommended for re-election for additional one year terms for up to five years. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Chairman of the Board
may serve a full five year term as Chairman regardless of number of years of service on the Board. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Director Resignations </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A director is expected to submit his or her resignation to the Chairman of the Board for consideration by the Board upon the recommendation of the
Corporate Governance and Nominating Committee in certain circumstances, including where: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">the director is no longer qualified under the Act or other applicable laws to act as a director; </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">the director&#146;s status in terms of conflicts or credentials changes; or </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">the director does not receive the required votes under the Majority Election of Directors policy. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Majority Election of Directors Policy </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The
Board&#146;s Majority Election of Directors Policy requires that in an uncontested election director nominees who do not receive a greater number of votes &#147;for&#148; than votes &#147;withheld&#148; will immediately submit their resignation to
the Corporate Governance and Nominating Committee. The Corporate Governance and Nominating Committee will, in the absence of extenuating circumstances, recommend that the Board accept the resignation. The Board will consider the resignation and make
its determination as soon as possible but in any event within 90 days of the annual meeting and issue a press release confirming the director&#146;s resignation or the reason for rejecting the resignation. If a director&#146;s resignation is
accepted by the Board, the directors may fill the vacancy through the appointment of a new director whom the Board considers will have the confidence of the shareholders or call a special meeting of shareholders to elect a director or wait until the
next annual meeting. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Committees </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board relies on its committees to assist in fulfilling its mandate and meet its responsibilities. Committees of the
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
Board allow directors to share responsibility and devote the necessary resources to a particular area or issue. In 2013, there were four standing committees of the Board: the Audit Committee; the
Corporate Governance and Nominating Committee; the Management Resources and Compensation Committee; and the Risk Committee. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">All
committees have the following common characteristics: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Comprised solely of independent directors. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Have a written charter setting out the responsibilities of each committee. Each committee tracks its compliance with its charter at each meeting throughout
the year. The charters are available on the Company&#146;s website at www.manulife.com. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Report to and seek Board approvals as required after each meeting. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Meet <I>in camera</I> without management present at each meeting except in the rare situation where the committee agrees that it is not required.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Reviews their performance and their charter annually. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Board Committee Membership </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate Governance and Nominating Committee, whose membership
consists solely of independent members, recommends committee membership for approval by the Board annually, taking into consideration director expertise, requirements of the committees and directors, distribution of committee membership, and
director retirements. Members are rotated as needs dictate. The Board has implemented the following additional committee membership criteria: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Management Resources and Compensation Committee</B> &#150; No more than one third of the members of this committee&nbsp;shall be current chief executive
officers of other issuers and at least one committee member shall be&nbsp;experienced in executive compensation. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2"><B>Audit Committee</B> &#150; The Board shall review the membership of the Audit Committee each year to confirm that no member serves on more than two other
audit committees of publicly traded companies and that no member&#146;s ability to serve on the Audit Committee is impaired in any way. The Board completed this review and confirmation in 2013. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Committee Responsibilities </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">2013
Accomplishments </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A description of the responsibilities and accomplishments of the committees are set out in the respective committee
report as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Audit Committee: page&nbsp;25. The Company&#146;s Annual Information Form includes additional information on the Audit Committee in the section entitled
&#147;Audit Committee&#148;, including the Audit Committee&#146;s charter, composition and the relevant education and experience of its members. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Management Resources and Compensation Committee: page&nbsp;28. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Corporate Governance and Nominating Committee: page&nbsp;23. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Risk Committee: page&nbsp;27.
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>74</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board, Committees, Directors and Chairman Evaluation </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate Governance and Nominating Committee, in conjunction with the Chairman of the Board, conduct annual, formal evaluations of the Board,
Board committees, the Chairman and the individual directors. The process includes: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Annual evaluation meetings between the Chairman and each director to discuss Board, committee and individual director performance, including a peer review.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Annual evaluation meetings between the Chairman of the Corporate Governance and Nominating Committee or the Vice Chair, where applicable, and each director to
assess the performance of the Chairman of the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Each director completes a biennial written Board and Committee Effectiveness and Director Self-Assessment Questionnaire, which has been approved by the
Corporate Governance and Nominating Committee<B>.</B> </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Periodically, as determined by the Corporate Governance and Nominating Committee, the effectiveness of the Board will be reviewed with the assistance of
independent advisors. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board, Board committees and Chairs are assessed against their mandates and charters and the Board and committee decisions and accomplishments in each
year. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Contributions of individual directors are assessed against the applicable mandates. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The assessments of the Board and the committees focus on identifying areas for improvement. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The results of the Board assessments are compiled by the Chairman of the Board with the assistance of the Corporate Secretary to maintain confidentiality and
presented to the Corporate Governance and Nominating Committee and the Board. Based in part on the assessments, the committee identifies and recommends objectives for the coming year. The committee also considers whether any changes in the
composition, structure or mandates of the Board or any committee are required. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Annual<I> in camera </I>meeting of the independent directors to review the results of the evaluations and to approve the Board&#146;s objectives for the
coming year recommended by the Corporate Governance and Nominating Committee. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Review of overall size and operation of the Board and its committees to ensure that they operate effectively. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Determination of whether a director&#146;s ability to serve the Company is impaired by external obligations or by changes in the director&#146;s principal
occupation or country of residence. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>CEO Evaluation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Management Resources and Compensation Committee and the CEO annually agree to the financial and non-financial objectives for the CEO, which are recommended for approval by the Board. The CEO&#146;s performance
is evaluated annually by the Management Resources and Compensation Committee and the Board based on these objectives and on the Company&#146;s performance.
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2012 and 2013, the Board enhanced the CEO evaluation process as follows: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A formal questionnaire was completed by all directors evaluating the CEO based on the achievement of the Board-approved non-financial objectives and his
leadership (including strategic, people, operational, balancing among stakeholders and overall leadership). The results were presented to the Management Resources and Compensation Committee for discussion and a recommendation to the full Board.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">A summary of the results were also provided to the independent directors to be used in their annual evaluation of the CEO. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Director Compensation and Equity Ownership </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board, with the assistance of the Corporate Governance and Nominating Committee and independent external advisors, undertakes a biennial review
of director compensation to ensure that it meets the objective of properly aligning the interests of directors with the long-term interests of the Company. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>New Director Orientation and Director Continuing Education </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board believes that
understanding the Company&#146;s strategies, business operations and competitive environment is crucial to their ability to provide the necessary oversight and guidance to the Company. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The goal of the Director Orientation and Continuing Education Program is to assist the directors in becoming knowledgeable about the Company&#146;s
business and in fully understanding the nature of their roles, responsibilities and duties as a director. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Corporate Governance and
Nominating Committee is responsible for the new director orientation and director continuing education programs. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><I>New Director Orientation
</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">New directors will participate in a comprehensive orientation program developed by management and the Corporate Governance and
Nominating Committee. This program may be tailored to reflect an individual director&#146;s specific knowledge, skills, experience and education. This program includes the following: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">New directors attend specialized in-depth presentations by the financial, risk, strategy, business operations, human resources and legal executives to
facilitate a deeper understanding of the Company&#146;s businesses, priorities, and challenges. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">New directors meet with the Chairman of the Board, the CEO, the heads of each principal business unit, and other members of management as appropriate, to
receive presentations and to discuss the Company&#146;s strategies, operations, and business plans. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Committee Chairs arrange a specific committee orientation session for the new director, which will include applicable members of management.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">New directors are provided with detailed information about the Company, including its business strategies,
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>75</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2" COLOR="#000000">&nbsp;</FONT></TD>
<TD WIDTH="1"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
corporate information, structure and the roles and expectations of the Board and individual directors, including the legal duties and obligations of a director of a public company, Board and
Committee mandates, as well as background materials, including the Annual Information Form, Proxy Circular, Annual Report, Manufacturers Life&#146;s Report to Policyholders, Board and applicable Company policies, organizational information about the
Board and its meetings and the directors&#146; information requirements required pursuant to applicable insurance and securities regulations. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="17" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">All directors have a standing invitation to attend committee meetings and new directors are encouraged to do so to assist in their orientation.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><I>Director Continuing Education </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">Directors participate in ongoing continuing education which includes the following elements: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">At Board meetings, committee meetings and directors&#146; seminars, directors receive presentations on risk and risk management, material regulatory
developments, strategic issues, annual divisional updates which provide in-depth reviews of key businesses and functions and other relevant topics. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">On-site visits to the Company&#146;s operations scheduled in conjunction with a Board meeting. On-site meetings incorporate senior management presentations on
the
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2" COLOR="#000000">&nbsp;</FONT></TD>
<TD WIDTH="1"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
business divisions&#146; strategies and operations which facilitate an understanding by the directors of the Company&#146;s global operations. The full Board generally meets in Boston,
Massachusetts once each year and in Asia once every three years. A subset of the Board attends educational sessions at one or more of the Company&#146;s operations in Asia once each year. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">In 2013, all directors were members of the Institute of Corporate Directors (&#147;ICD&#148;), a recognized educational organization for directors to enhance
their knowledge of directors&#146; responsibilities and current governance trends. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Additional educational needs are identified by the Board in its annual effectiveness evaluation or on an as needed basis, and by management for emerging
issues, new areas of business or other areas that management feels the Board should be made aware of in more depth. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Educational reading materials on topics relevant to the financial services and insurance industries are provided to the Board from time to time. Directors
also have access to the ICD publications. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Directors may seek additional professional development education at the expense of the Company and are encouraged to do so. In 2013, directors participated in
additional professional development respecting their roles as directors and the business of the Company.
</FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>
 <P STYLE="margin-top:18px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The following chart illustrates the education sessions held in 2013. </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="22%"></TD></TR>
<TR BGCOLOR="#cccccc">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Director
Educational<BR>Presentations</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>2013</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1"><B>Presented By</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px"><FONT STYLE="font-family:arial" SIZE="1"><B>Attendees</B></FONT></TD></TR>


<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Risk Management</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"><FONT STYLE="font-family:arial" SIZE="1">April</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle"><FONT STYLE="font-family:arial" SIZE="1">Chief Risk Officer</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Life Products</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">June</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">EVP Retail, Canadian Division</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All
directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Asia Health Products</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">June</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="1">EVP &amp; CEO, Manulife Hong Kong</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:arial" SIZE="1">EVP &amp; GM, Manulife Japan</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All
directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Retail Distribution</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">June</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">President, JH Financial Network</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All
directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Manulife Bank</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">August</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">President &amp; CEO, Manulife Bank</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All
directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Affinity Business in Canada</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">August</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">General Manager, Affinity Markets</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All
directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Overview of Business in Japan</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">September</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">Asia Management</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px">
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Joseph Caron</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Susan Dabarno</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Richard DeWolfe</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Sheila Fraser</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Donald Guloien</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Robert Harding</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Lorna Marsden</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Jim Prieur</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;Lesley Webster</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Code of Business Conduct&nbsp;&amp; Ethics</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">September</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">On-Line Training&nbsp;and Certification</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All
directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Group Retirement</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">December</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">SVP, Group Business Development</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:8px"> <P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All
directors</FONT></P></TD></TR>
<TR>
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8px"><FONT STYLE="font-family:arial" SIZE="1">Mutual Funds</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">December</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:arial" SIZE="1">SVP, John Hancock Investment</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:8px">
<P STYLE="margin-left:1.50em; text-indent:-1.50em"><FONT STYLE="font-family:arial" SIZE="1">&#149;&nbsp;&nbsp;&nbsp;&nbsp;All directors</FONT></P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>76</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Independent Directors&#146; Meetings </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The directors meet <I>in camera</I> at the end of each Board and committee meeting, except in the rare situation where the Board or committee agrees that it is not required. Non-independent directors and management
do not attend. These sessions have two objectives: to discuss the Board&#146;s views on the effectiveness of the meeting and to permit discussions on any substantive matters raised by the directors. The Board also meets without management and
non-independent directors at the request of any independent director for all or a portion of any meeting where a potential conflict of interest arises or where otherwise appropriate. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The independent directors of the Board meet at least once each year to review the performance and approve the compensation of the CEO, to review the
Board&#146;s effectiveness assessments and approve action plans resulting from the assessments. In 2013, one meeting of the independent directors was held. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Shareholders wishing to contact independent directors of the Company may write to the Chairman of the Board, in care of the Corporate Secretary, at the head office of the Company. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Interlocks </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board does not allow
its directors to serve on the same board of another company, unless such interlock is approved by the Corporate Governance and Nominating Committee. This committee reviews potential interlocking board memberships as they arise in conjunction with
its determination as to whether a director&#146;s ability to serve the Company is impaired by such external obligations, and determines if common board memberships impair the ability of the directors to act in the best interests of the Company.
Currently, there are no interlocking board memberships held by the Company&#146;s directors. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Board Access to Management </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company provides both formal and informal means for the Board to interact with the Senior Executives. The Senior Executives attend the Board
meetings and relevant committee meetings. Directors have access to the Senior Executives and are encouraged to raise any questions or concerns directly with the Senior Executives. The Board and Committee Chairs meet regularly with applicable Senior
Executives. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Retention of Outside Advisors by Directors </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board and its committees may retain outside advisors at the Company&#146;s expense, as they deem necessary. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Corporate Governance and Nominating Committee and the Management Resources and Compensation Committee retained outside advisors in 2013. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Individual directors may also retain outside advisors, at the Company&#146;s expense with the approval of the Corporate Governance and Nominating Committee, to provide advice on any matter before the Board or
committee. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Ethical Business Conduct </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company has adopted the Code of Business Conduct and Ethics (the &#147;Code&#148;), which applies to directors, officers,
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
employees and those who perform services for or on behalf of the Company. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Code
complies with the requirements of the NYSE Rules, the SEC rules and the Governance Instrument. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Code is available on the
Company&#146;s website at www.manulife.com. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">All employees of the Company and the directors annually review the Code, complete an online
training course, certify compliance with the Code and disclose any conflicts of interest. Any changes to an employee&#146;s or director&#146;s status during the year is reported to the applicable human resources representative or Global Compliance.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board annually reviews the Code and the compliance with the Code with the assistance of the Audit Committee (previously with the
Conduct Review and Ethics Committee) and reports from the Global Compliance Chief on compliance with the Code, the Ethics Hotline (the third party reporting system that permits employees to submit their ethics concerns anonymously through the
internet or telephone) and Code violations including those relating to accounting, internal controls or audit matters. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Board,
through the Management Resources and Compensation Committee, annually reviews the integrity of the CEO and the executive officers, and their promotion of a culture of integrity. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Conflicts of Interest </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Directors and executive officers are required to disclose their interest
in a material contract or material transaction with the Company. Each director is required to inform the Board of any potential or actual conflicts, or what might appear to be a conflict of interest the director may have with the Company. If a
director has a personal interest in a matter before the Board or a committee, he or she will not be present for or participate in the discussion or any vote on the matter except where the Board or the committee has expressly determined that it is
appropriate for him or her to do so. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>CEO and CFO Certification of Financial Statements </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The CEO and CFO certify the annual financial statements and quarterly financial statements as required by SOX and the Certification Instrument.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The CEO provides an annual certification to the NYSE stating the CEO is not aware of any violations of the governance requirements in
the NYSE Rules. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company submits written affirmations as required by the NYSE Rules. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Disclosure and Communication Policies and Procedures </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Company has policies relating to the treatment and disclosure of information about the Company on a timely, accurate, understandable and broadly disseminated basis. Media releases relating to the Company are
reviewed by Legal, Investor Relations and Communications, senior management and others as required, for both content and appropriateness of timing.
</FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>77</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s Executive Committee also serves as its Disclosure Committee. The Disclosure
Committee is responsible for overseeing and monitoring disclosure processes and practices within the Company and determining whether events constitute &#147;material information&#148; or a &#147;material change&#148; for applicable regulatory
purposes. Its members are the Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, General Counsel, Chief Risk Officer, Chief Investment Officer, Chief Actuary, the senior officer responsible for human resources and the
principal officers of each of the main operating business units. The Disclosure Committee is chaired by the General Counsel. The Disclosure Committee reports, as appropriate, to the Audit Committee and Risk Committee. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company has also established a Risk Disclosure Committee. The Risk Disclosure Committee is responsible for reviewing, considering and making
recommendations as to appropriate risk disclosure based on, among other things, its review of internal risk and reports related thereto. Its members are the Chief Executive Officer, Chief Financial Officer, General Counsel, Chief Risk Officer, Chief
Actuary and Controller. The Risk Disclosure Committee is also chaired by the General Counsel. It reports to the Disclosure Committee. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company has reviewed its disclosure policies and practices which are intended to ensure compliance by the Company with the disclosure
requirements applicable to public companies. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company communicates with individual shareholders, institutional investors and
financial analysts through its Investor Relations and Shareholder Services departments and to the media and employees through its Communication department. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">Investor Relations provides a quarterly report to the Board of Directors. The scope of the report includes: investor sentiment in regard to quarterly results, analyst estimates
</FONT></P></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">
and recommendations, market movements, relative valuation to peers, rating actions for the Company and peers, and a summary of recent Investor Relations activities. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Shareholder Engagement Program </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px;padding-bottom:0px; " ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">For each of the last three years, the Chairman of the Board has hosted a shareholder engagement outreach program. In 2013, this included ten meetings and five conference calls with a number of the Company&#146;s
largest Canadian shareholders and, for the first time, included one of the Company&#146;s largest Asian shareholders. Combined, the participating shareholders represent approximately 500&nbsp;million shares or approximately 40%</FONT><FONT
STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:arial" SIZE="2"> of the total outstanding value of shares held by the Company&#146;s institutional
shareholders. Some of the frequently referenced topics of discussion included: executive compensation, merger and acquisition activity, financial and other disclosures, pre-conditions to a dividend increase, management&#146;s 2016 financial
objectives and strategic initiatives. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The Company&#146;s website, www.manulife.com, features webcasts of the quarterly investor
conference calls and presentations made by senior management to the investment community, as well as annual reports, Board Mandate and committee charters and other investor information. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Shareholders can access voting results of all shareholder votes at the Company&#146;s website www.manulife.com or at www.sedar.com. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Shareholder Proposals </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Based on the
Company&#146;s risk-based approach to its investments in relation to global climate change, Vancity Investment Management Inc. agreed to withdraw a shareholder proposal relating to the potential impact on the Company&#146;s holdings of stranded
carbon assets in the fossil fuel industry. </FONT></P></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:26%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="1">Based on estimates of the breakdown of institutional versus retail holdings as well as information provided by NASDAQ OMX as at September&nbsp;30, 2013.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>78</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

<DIV STYLE="position:relative;float:left; margin-right:1%; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B><A NAME="tx655868_44"></A>Appendix &#147;1&#148; </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:arial" SIZE="2"><B>Board of Directors&#146; Mandate </B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px" ALIGN="justify"><FONT
STYLE="font-family:arial" SIZE="2">The Board of Directors (the &#147;Board&#148;) is responsible for providing independent oversight of the management of the business and affairs of the Company. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2">The Board shall, directly or through a Board committee, carry out the duties referred to in this Mandate. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Culture of Integrity and Ethics </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Promote a culture of integrity at the Company. To the extent feasible, the Board shall satisfy itself as to the integrity of the Chief Executive Officer
(&#147;CEO&#148;) and other senior executive officers, and that the CEO and other senior executive officers create a culture of integrity throughout the Company. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Approve and monitor compliance with the Company&#146;s Code of Business Conduct and Ethics (the &#147;Code&#148;). Any waivers from the Code for the benefit
of any Director or executive officer must be approved by the Board. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Approve significant policies and practices for dealing with all matters related to integrity and ethics, including conflicts of interest, related party
transactions and the treatment of confidential information. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Strategic Planning Process and Implementation </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Adopt a strategic planning process and approve, on at least an annual basis, a strategic plan which takes into account, among other things, the opportunities
and risks of the business. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Monitor implementation and effectiveness of approved strategic plans. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Monitor performance against the Company&#146;s financial objectives, including reviewing and approving significant capital allocations and expenditures and
the declaration of dividends. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Approve significant strategic initiatives and business decisions. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Risk Management and Compliance </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee policies and processes to identify and manage the principal risks of the Company&#146;s business and review the systems and controls to manage those
risks. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Monitor risk management activities and initiatives. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Approve the Company&#146;s risk appetite framework. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee the implementation by management of a comprehensive compliance management program that addresses compliance with applicable regulatory and legal
requirements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">At least annually, review and approve the Company&#146;s significant enterprise-wide policies and practices, including those respecting liquidity, funding and
capital management, and obtain assurance from management that they are being complied with.
</FONT></P></TD></TR></TABLE></DIV><DIV STYLE="position:relative;float:right; width:48%;padding-right:9px;padding-bottom:8px;overflow:hidden;padding-top:3px">
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Succession Planning and Evaluation </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee the succession planning processes of the Company, including the selection, appointment and development of the Chairman of the Board, the Board
members, the CEO and other senior executive officers, including the heads of the Company&#146;s oversight functions, and the termination of the CEO, if required. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Review the establishment of annual performance targets and evaluate and approve the compensation of the CEO and other senior executive officers, including the
heads of the Company&#146;s oversight functions. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee the Company&#146;s general approach to human resources and compensation philosophy. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Review the overall structure of the Company&#146;s organization. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Communications and Public Disclosure </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee the Company&#146;s communication and disclosure practices, including with respect to receiving feedback from stakeholders.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Approve the Company&#146;s disclosure policy, which governs the release of information about the Company and requires timely, accurate and fair disclosure of
such information in compliance with all legal and regulatory requirements. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">The CEO or the Chairman of the Board or any other Director, when authorized by the CEO or the Chairman of the Board, may communicate with the shareholders or
stakeholders on behalf of the Company. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT STYLE="font-family:arial" SIZE="2"><B>Internal Controls </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee the integrity and effectiveness of the Company&#146;s internal control framework and management information systems and obtain assurances on a regular
basis that these systems and controls are designed and operating effectively. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Review and approve significant public disclosure documents, including the financial statements and related disclosures, prior to their release.
</FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee compliance with audit, accounting and actuarial practices. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px"><FONT
STYLE="font-family:arial" SIZE="2"><B>Corporate Governance </B></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Oversee the Company&#146;s corporate governance principles and practices. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Establish appropriate structures and procedures to allow the Board to function independently of management, including undertaking regular evaluations of the
Board, its Committees and individual directors, and reviewing the composition of the Board, with a view to the effectiveness and independence of the Board and its members. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Establish committees of the Board, develop their mandates and, subject to applicable law, delegate such matters to any committee in order to assist the Board
in carrying out its duties and responsibilities. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="23" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:arial" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:arial" SIZE="2">Establish expectations and responsibilities of directors, including preparation for, attendance at, and participation in, Board and Committee meetings and
Board educational seminars. </FONT></P></TD></TR></TABLE></DIV><div style="clear:both; height:0px; font-size:0px">&nbsp;</div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="93%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="6%"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:arial" SIZE="1"><B>Manulife Financial Corporation Proxy Circular&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:arial" SIZE="1"><B>79</B></FONT></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g655868g99d81.jpg" ALT="LOGO">
 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>5
<FILENAME>d655888dex994.htm
<DESCRIPTION>EX-99.4
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.4</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Exhibit 99.4 <BR><BR> </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR>
<TD VALIGN="top">


<IMG SRC="g655874g42t53.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>MANULIFE FINANCIAL CORPORATION</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="2">Annual and
Special Meeting of Common Shareholders to be held on Thursday, May 1, 2014</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:72px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:96px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:36px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Shareholder Proxy Form</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>This proxy is solicited on behalf of management of Manulife Financial Corporation (the &#147;Company&#148;). </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">The undersigned shareholder of the Company hereby appoints Donald A. Guloien, President and Chief Executive Officer, or failing him, Richard B. DeWolfe, Chairman of
the Board, with full power of substitution, or instead of any of them,
<U>&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</U><U></U>, as proxy of the undersigned, to attend, vote and act for and on behalf of the undersigned at the Annual and Special Meeting of common shareholders of the Company to be held at 11:00 a.m. Eastern Time on Thursday, May&nbsp;1,
2014 at the Head Office of the Company, 200 Bloor Street East, International Room, Toronto, Ontario, Canada, and at all adjournments thereof, and are specifically directed to vote the common shares represented by this proxy upon the following
matters. </FONT></P> <P STYLE="margin-top:3px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B><I>The directors and management recommend shareholders vote FOR items 1, 2, 3 and 4. Where no choice is specified, the proxyholders
designated by management intend to vote FOR items 1, 2, 3 and 4. </I></B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>1. Election of Directors</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:3px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>The proposed nominees are: </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="15%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>FOR</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>WITHHOLD</B></FONT></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">01</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Joseph P. Caron</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">02</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">John M. Cassaday</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">03</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Susan F. Dabarno</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">04</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Richard B. DeWolfe</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">05</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Sheila S. Fraser</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">06</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Donald A. Guloien</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">07</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Scott M. Hand</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">08</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Luther S. Helms</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">09</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Tsun-yan Hsieh</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Donald R. Lindsay</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">11</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">John R.V. Palmer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">12</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">C. James Prieur</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">13</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Andrea S. Rosen</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">14</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Lesley D. Webster</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>2. Appointment of Auditors</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>FOR</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>WITHHOLD</B></FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Appointment of Ernst &amp; Young LLP as Auditors</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>3. Amendment to By-Law No. 1</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>FOR</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AGAINST</B></FONT></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">The special resolution confirming an amendment to By-Law No. 1 of the Company establishing the maximum annual aggregate remuneration payable to the Board of Directors in United States
dollars</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>4. Advisory Resolution Accepting Approach to Executive Compensation</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>FOR</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>AGAINST</B></FONT></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Advisory resolution accepting approach to executive compensation</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="98%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Please Sign and Return this Proxy Form</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:4px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">To be valid, this proxy must be signed and received by the Company&#146;s transfer agent, CST Trust Company, P.O. Box 721,
Agincourt, Ontario, Canada, M1S 0A1, no later than 5:00 p.m. Eastern Time on Tuesday, April&nbsp;29, 2014 or, if the meeting is adjourned, no later than 5:00 p.m. Eastern Time on the second business day preceding the day to which the meeting is
adjourned. This proxy revokes and supersedes all proxies of earlier dates. </FONT></P>
<P STYLE="margin-top:4px;margin-bottom:0px; margin-right:60%"><FONT STYLE="font-family:ARIAL" SIZE="1">Dated&nbsp;this&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</U>&nbsp;day&nbsp;of&nbsp;<U>&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;&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;&nbsp;</U>,&nbsp;2014. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Signature of Shareholder/Authorized Officer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">Name of Shareholder (Please PRINT clearly)</FONT></TD></TR>
</TABLE> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Three ways to vote. See
reverse.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#240;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><B></B></FONT><B> </B></FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR>
<TD VALIGN="top">


<IMG SRC="g655874g42t53.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>MANULIFE FINANCIAL CORPORATION</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="2">Annual and
Special Meeting of Common Shareholders to be held on Thursday, May 1, 2014</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Proxy Information</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">This proxy confers discretionary authority on the proxy named herein to vote in respect of any amendments or variations to the
matters identified in the notice of meeting or any other matter which may properly come before the meeting in such manner as such proxy in his or her judgment may determine. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>A shareholder has the right to appoint a person to represent him or her at the meeting other than the management representatives designated in this proxy. </B>Such right may be exercised by filling in the name
of the other person in the blank space provided; such other person need not be a shareholder. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Notes</B></FONT></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">This proxy must be signed by a shareholder or his or her attorney duly authorized in writing. If you are an individual, please sign exactly as your shares are
registered. If the shareholder is a corporation, a duly authorized officer or attorney of the corporation must sign this proxy, and if the corporation has a corporate seal, its corporate seal should be affixed. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">If the shares are registered in the name of an executor, administrator or trustee, please sign exactly as the shares are registered. If the shares are registered
in the name of a deceased or other shareholder, the shareholder&#146;s name must be printed in the space provided. This proxy must be signed by the legal representative in the space provided with his or her name printed below his or her signature
and evidence of authority to sign on behalf of the deceased or other shareholder must be attached to this proxy. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">In many cases, shares beneficially owned by a holder (a &#147;Non-Registered Holder&#148;) are registered in the name of an intermediary (for example a bank,
trustee or securities broker) or in the name of a depository of which the intermediary is a participant. Non-Registered Holders should, in particular, review the section of the proxy circular entitled &#147;Voting Information&nbsp;&#151;&nbsp;How to
Vote&nbsp;&#151;&nbsp;Non-Registered Shareholders&#148; and carefully follow the instructions of their intermediaries. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">If a share is held by two or more persons, any one of them present or represented by proxy at the meeting may, in the absence of the other or others, vote at the
meeting. However, if more than one of them are present or represented by proxy, they must vote together in respect of that share. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">All shareholders should refer to the proxy circular for further information regarding completion and use of this proxy and other information pertaining to the
meeting. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">If not dated, this proxy is deemed to bear the date on which it was mailed on behalf of management of the Company. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Each shareholder who is unable to attend the meeting is respectfully requested to date and sign this proxy and return it in the enclosed envelope.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Voting Instructions</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">Manulife Financial Corporation offers three ways to cast your vote. Choose whichever method is easiest for you. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Option 1 &#150; MAIL </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1%; text-indent:-1%"><FONT STYLE="font-family:ARIAL" SIZE="1"><U>To
vote by Mail from anywhere in the world </U></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Complete the front of this form. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Sign and return the form in the enclosed envelope. </FONT></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>Option 2
&#150; INTERNET </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1%; text-indent:-1%"><FONT STYLE="font-family:ARIAL" SIZE="1"><U>To vote by Internet from anywhere in the world </U></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Go to the website <I>www.proxypush.ca/mfc</I> </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Follow the instructions on the screen. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">You will be required to enter the 12-digit control number located on the front of this form. </FONT></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Option 3 &#150; TELEPHONE </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1%; text-indent:-1%"><FONT STYLE="font-family:ARIAL" SIZE="1"><U>To vote by Telephone from Canada or the United
States </U></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Using a touch-tone telephone, call toll free at 1-866-249-5139. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Follow the voice instructions. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">When prompted, enter the 12-digit control number located on the front of this form. </FONT></TD></TR></TABLE>
<P STYLE="font-size:24px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD></TR>


<TR>
<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8px; padding-right:8px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Request for Financial Statements</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1">If you wish to receive the financial statements and MD&amp;A for the next year by mail, you must check the appropriate box below.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="12%"></TD></TR>


<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">I wish to receive the Interim Financial Statements and MD&amp;A</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">I wish to receive the Annual Financial Statements and MD&amp;A</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><FONT STYLE="font-family:ARIAL" SIZE="1"></FONT></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="1"><B><I>You may also make your request online at www.canstockta.com/ financialstatements. Our Company code number is 4658A.
</I></B></FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>g655598g00s68.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g00s68.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0;D4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````?0```C0````&`&<`,``P
M`',`-@`X`````0`````````````````````````!``````````````(T````
M?0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!$@````!````<````!D`
M``%0```@T```!"P`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``9`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5)`;EL<T.:RPM<`0=CN#JF=DG396_G4ECC`_!)3825;[0_P=_P!M
M._\`)*==EEDP8(Y#F.:=?BY)295*J*G5V/-+++-]A&X#4ASMLNA6(N_>;]Q_
M\DJA;67.+=_TCNV"T-W3[XVV!OTDE+BDD?T*H<]V_P#D$[*9<T.PJFM)U(+3
M`^&Q"N8?1?Z8N]3:=G\Z->W^%4RQDF!;]UW_`*424F%-5>76:V-9-;Y+0!WJ
M\%85.D-%PV[A9M,>H+/HRW?M]1[OY"LQ=^\W[C_Y))3-)!MM?5MW$$O.UH:Q
MSC,%_9W[K5#[0_P=_P!M._\`))*;*2KLR7>[?6_0^TACM1`^/YR<Y30"2RR!
MJ?84E/\`_]#U#%_HM/\`Q;?R!"N;F/<"P;=G`:\`.U#O?NJL_<V?V[%SM/\`
M,U?\6S_J6J22GJ*R\L!L:&.[M!W#_.AJ8?SK_P"JW_ORYA:W0_YN[^L/R)*=
M1!Q?YMW_`!EG_5N1ES.3_2\C_C7)*=[(;DO(%<M`D[FN#3QMV^ZNW]Y2QA>V
MO;<-6Z!V[>3YN]E2YM))3TCOZ57_`,79^6I&6%T;^GG_`(I__55+=24U\IKG
M.J:TD$N<`08(FNS\[W(/I9P<?>]S>9WL'X>A_P!_0NN_S./_`,<?_/5ZR$E.
MZVG-VR7O#A_+89D_\3M]O]1+9F`DODLVND;P>6_N^BS\[^6L),_Z#OZKOR%)
M3__9.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`
M;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@
M`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0```
M``'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`__``!$(`'T"-`,!$0`"$0$#$0'_W0`$`$?_Q`"1``$``P`#`0$!````````
M````!@<(!0D*!`(#`0$!`0```````````````````0(0```%!``!!PD$"00!
M!0`````#!`4&`0('"-865QA8F`D9$1(3%!6FMWC9EA<X.2$DM78W=[C862+(
MB4HC,4$SM"41`0`"`P$!`0$!`0$````````!$2%183%!<8%"$K'_V@`,`P$`
M`A$#$0`_`/?P``````````````````````````````````.IC4'273')^%CI
MYDO4;6+(<XD6:MHU,@F<YP'BJ6RM]4)MGLPH$Y[Q(G^*.#NYG$(4A1-EQYU]
MUI15EE*TMMI2D:F9OUI[PZ.[XZB6FW9APEP.*ESN3PZ.[XZB6FW9APEP.!<[
MD\.CN^.HEIMV8<)<#@7.Y/#H[OCJ):;=F'"7`X%SN3PZ.[XZB6FW9APEP.!<
M[D\.CN^.HEIMV8<)<#@7.Y/#H[OCJ):;=F'"7`X%SN3PZ.[XZB6FW9APEP.!
M<[D\.CN^.HEIMV8<)<#@7.Y/#H[OCJ):;=F'"7`X%SN3PZ.[XZB6FW9APEP.
M!<[D\.CN^.HEIMV8<)<#@7.Y/#H[OCJ):;=F'"7`X%SN3PZ.[XZB6FW9APEP
M.!<[D\.CN^.HEIMV8<)<#@7.Y1.>]WAH`C@TS5I-&M/$JM+$Y$I2JDVLV%2%
M"900SK#23R#BH3:82<29;2ZVZVM+K;J4K2OE`N=RM[2[\'6IWRT8)^%L5`GV
M6EP0``````````````````````````````````'_T/?P````````````````
M``````````````````,;:#_AK;?YR;4_U4YI!9];)!``````````````````
M`0W(O\/IW^YLG_8BX!36EWX.M3OEHP3\+8J"S[+2X(``````````````````
M````````````````#__1]_```````````````````````````````````QMH
M/^&MM_G)M3_53FD%GULD$`&>-C<K2/%#%CY5&;45JR:9288&K6JX),LFFMC<
MYL4G>%"YO@L`<FJ4R%PMO8+"["DQO^BPRXRZVZVRH+"O\<;>QZ20&.RF21Y^
MLOL88(YY%D4::J&PV"UR"]JF*+K7TMU=")*T6N9:8MT<6RU,O<(BVJR[WOU6
MRVIUPF',.&W^/$,KD$`+C<T=I_'YC!88="V`['KZ]J5F2JY#MAC@8:UY`4L\
M>0NAF+'NAI+TK:W%!8EH:L2IR3"S;A3\-VQYTJSIC7'\5CKW9!)8ASY:9-G1
MJ0WLDJ<\,/L5BCCR2<6Y^6KV](W25R6$>5V0H?;!1=%39ZTCLO4`5A'LT;C,
MV/<491GL6ALI?5<9B>=E&.'-T0-:&%Y%GF"V*7N<HC"!8?)6YV))0<AG=70Q
M42@M=FEG6J6HQ9;:34T4L'(4[R=&4VM<:8E$>;)=E_(E('*'6=Q2]]]B%MV`
M\P98<3JQN%Y"9FRC\:\XT(1F43/2I`5:H.J5<=;0JX#&59D;B(652QL\QCCP
MLF"V0RO'A\.@3$2[FN\TCV=46#FMV:9&_2Q@;6EADC@N2N-$JTJZC<C7><J<
M+:HS_2"DDZ;>">5<@A5KTJ/DC*X/K`@:4*J,.CG)Y=&<CQC#SY#&AG:I*M>V
MJ1),J3!`QE6O:9H2K3C#%24\]O3J%A0J7]S]IKVG*4GQM*,.Y"CIC1"L)O[`
M<8XX]>GJ52O-4ZRG"F>#)&2.35W(1J4M,9GK[G`Q9[-(0DKCUQR!.D+.5BNO
MPNW(QVA6RAMNB.2SG"!1:1RK(::UDCR:V`D1F0/$75-\H6.,K0MZ92M>6BE4
MRH@Y0U&-JHIUN5V-%#UY(IIJ,OELFC[/(2T"EL*>F],Y$(EBUA<3RDRLNAR:
MZY?%WF0QY98>1=:98:C6J2+[+Z5MOKY01S@``AN1?X?3O]S9/^Q%P"FM+OP=
M:G?+1@GX6Q4%GV6EP0``````````````````````````````````'__2]_``
M`````````````````````````````````QMH/^&MM_G)M3_53FD%GULD$`%=
M9(QLVY)11LA8]O\`&W&(2QOFL:?XU>R>U&I_;4#JUDJ+$\C9)&Q+";V]Z4E7
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MVNC*8[7/S^?Z,F]'<UID-A*`A(4@()36"[3K&N.HUBB%M$#B)"@AC9S7=431
M4;8:H/7R![<9(^+C:$$ID2:YQ?'=2H]72DIT::AGHDQ))%A95A)FTZ``$-R+
M_#Z=_N;)_P!B+@%-:7?@ZU.^6C!/PMBH+/LM+@@`````````````````````
M`````````````/_3]_```````````````````````````````````QMH/^&M
MM_G)M3_53FD%GULD$``````````````````!#<B_P^G?[FR?]B+@%-:7?@ZU
M.^6C!/PMBH+/LM+@@``````````````````````````````````/_]3W\```
M```````````````````````````````#K+U^G>PF`\=J\7/6AVSLS5LV4<\O
M::5P:=Z/7Q20,D[SID>?QMT9Z3/<:&2HHE5'I0ENO*7M2%24;Y]EY5*V^6L:
MFI^KKZ3V;?\`'1N3]N.[X_OM%2HV=)[-O^.C<G[<=WQ_?:!4;.D]FW_'1N3]
MN.[X_OM`J-G2>S;_`(Z-R?MQW?']]H%1LZ3V;?\`'1N3]N.[X_OM`J-G2>S;
M_CHW)^W'=\?WV@5&SI/9M_QT;D_;CN^/[[0*C:&.F[\^99Q$,;N?=_;DIII/
M&:82")LW*C0L[VJT0(R-%2Q7[13[P&M2'V29,&ZGHU)Y)I_K'_AM,]&;Y@KJ
M9])[-O\`CHW)^W'=\?WV@5&SI/9M_P`=&Y/VX[OC^^T"HV=)[-O^.C<G[<=W
MQ_?:!4;.D]FW_'1N3]N.[X_OM`J-G2>S;_CHW)^W'=\?WV@5&SI/9M_QT;D_
M;CN^/[[0*C9TGLV_XZ-R?MQW?']]H%1M'Y7L3G5]BTE9$G=U[AEJWE@>6I*8
MIG7=]V)RU#@W*4A-Y]Y6])QEI-IAU*W5MLNNI;Y?)2M?T`5&U\:Q0^1X\UKU
MZ@$P;O8\M@V#L30^4M/K:%P]ER.,P)@97MN]?:U2UL6^I.:(TKTR<XX@SS?.
M+OOLK2ZI)7B```````````````````````````````````#_U??P````````
M`````````````````````````````````````QME'\<&H7\F]O\`_P"_K4"Q
MY+9((``````````````````````````````````````````````#_];W\```
M```````#K978)Q?GO=K91+EN/KI@CA.&=6K8HA.E<Q:4#%RC=-A3GV]"A8']
MJ26&NIK2FJ=?6RZ^^I%GZ?T"-740MWP_=1>:3W]R;QF*ER>'[J+S2>_N3>,P
M+D\/W47FD]_<F\9@7)X?NHO-)[^Y-XS`N3P_=1>:3W]R;QF!<GA^ZB\TGO[D
MWC,"Y/#]U%YI/?W)O&8%R>'[J+S2>_N3>,P+D\/W47FD]_<F\9@7)X?NHO-)
M[^Y-XS`N3P_=1>:3W]R;QF!<GA^ZB\TGO[DWC,"Y/#]U%YI/?W)O&8%R>'[J
M+S2>_N3>,P+D\/W47FD]_<F\9@7)X?NHO-)[^Y-XS`N3P_=1>:3W]R;QF!<G
MA^ZB\TGO[DWC,"Y/#]U%YI/?W)O&8%R>'[J+S2>_N3>,P+D\/W47FD]_<F\9
M@7)X?NHO-)[^Y-XS`N3P_=1>:3W]R;QF!<GA^ZB\TGO[DWC,"Y/#]U%YI/?W
M)O&8%RR=D?1W5Q%N)JU&TV,/1,K]B?:=P=D7+7(=_K:M@7:^6M)WK!DMO5D>
MJ6O"G_2499:9Z3_72[S;?-BW-2UCX?NHO-)[^Y-XS%2Y/#]U%YI/?W)O&8%R
M>'[J+S2>_N3>,P+D\/W47FD]_<F\9@7)X?NHO-)[^Y-XS`N3P_=1>:3W]R;Q
MF!<GA^ZB\TGO[DWC,"Y/#]U%YI/?W)O&8%R>'[J+S2>_N3>,P+D\/W47FD]_
M<F\9@7)X?NHO-)[^Y-XS`N3P_=1>:3W]R;QF!<GA^ZB\TGO[DWC,"Y/#]U%Y
MI/?W)O&8%R>'[J+S2>_N3>,P+D\/W47FD]_<F\9@7)X?NHO-)[^Y-XS`N3P_
M=1>:3W]R;QF!<GA^ZB\TGO[DWC,"Y/#]U%YI/?W)O&8%R>'[J+S2>_N3>,P+
MD\/W47FD]_<F\9@7)X?NHO-)[^Y-XS`N3P_=1>:3W]R;QF!<GA^ZB\TGO[DW
MC,"Y/#]U%YI/?W)O&8%RJ[-^C&K<:PMEZ1L.,U#4^Q_%\_>V5S23_)EBIN=F
MJ*.R]N7IKZS*ZEBA&L(L,LKY*^2ZV@$3+7NORM4OP-A)<N4J%JU;B+&RM8L5
MG&*52M4IAK*<H4J5!UUYQZ@\Z^MU]]U:W775K6M:UJ"3[*W0`````````!__
MU_8?$^\#Q+.XM&IO#<5[;R>(3*/LTJBDD9=1\^KV:0QN0MR9W8GQI7$0:\A:
MV.S6L*4$&V5K8849;=2M:5!:ZD'39A/,?N3V/-@^!`*Z=-F$\Q^Y/8\V#X$`
MKITV83S'[D]CS8/@0"NG39A/,?N3V/-@^!`*Z=-F$\Q^Y/8\V#X$`KITV83S
M'[D]CS8/@0"NG39A/,?N3V/-@^!`*ZS=!-E$C'M#L1DUQP#N&3#\@XWUVCD7
M7V:DYX-/6NN/5>:S920<@+A5RQ%8BLFC?6R\VRRP[TMWF5N\R_R1:Q&6D>FS
M">8_<GL>;!\""I73ILPGF/W)['FP?`@%=.FS">8_<GL>;!\"`5TZ;,)YC]R>
MQYL'P(!73ILPGF/W)['FP?`@%=.FS">8_<GL>;!\"`5TZ;,)YC]R>QYL'P(!
M74?EG>!XE@D6DLWF6*]MXQ$(;'WF52N2/6H^?4#-'HW'FY2[OKX[+CX-80B;
M&EK1FJ#S;ZTL+*+NNK6E*`5UND$``````````!BE%O?BIXJYFQG&NTDQ:VN1
M2F+7R*':LYQD\97N\,DKM$)%8SR!GABIK=DR"0L:I-4X@R\J^\F[S;JT!:Z^
MWILPGF/W)['FP?`@%=.FS">8_<GL>;!\"`5TZ;,)YC]R>QYL'P(!73ILPGF/
MW)['FP?`@%=.FS">8_<GL>;!\"`5TZ;,)YC]R>QYL'P(!73ILPGF/W)['FP?
M`@%=9NG>RB1\VAUWR:W8!W#.A^/L;[$QR4+[]2<\%'HG7(2O"AL6()0&0JU8
MML6V0MPK?>59?83Z*WSZV^?9Y8M8G+2/39A/,?N3V/-@^!!4KITV83S'[D]C
MS8/@0"NG39A/,?N3V/-@^!`*Z=-F$\Q^Y/8\V#X$`KITV83S'[D]CS8/@0"N
MG39A/,?N3V/-@^!`*Z=-F$\Q^Y/8\V#X$`KKYU>\D`0)5*Y;A;<5*C1ISE:M
M2=I_L"62G3)R[CCSS3+H+2VPHHJRMUU:_HI2@%=AJ>"32/Y(A$-R)$E1JZ*S
MV*QZ:1E<>E4(3ED?E+0C?&94<B5EDJT9JAN7%WW%&V6F%UKYMU*5I6@(E0``
M`````````,]YDV7@&$93!H1(V/*4KE^1(_.I5&HWBG%$\RJ\F1O&SC`6B8/C
MBA@K(]'M+8U.F3F-/Z510NPPU=9;96M:5\A8BU==-F$\Q^Y/8\V#X$`KITV8
M3S'[D]CS8/@0"NG39A/,?N3V/-@^!`*Z=-F$\Q^Y/8\V#X$`KITV83S'[D]C
MS8/@0"NG39A/,?N3V/-@^!`*Z=-F$\Q^Y/8\V#X$`KJMLR;;1Z88ARK$F'!&
MXRI\E.-YS'&9,9J'GU,6H=GN,.C8W$&*5$'+(3V&K%5EM;[[K;+*5\M:TI0"
MNF&]MH]#\0XJB3]@C<9*^1;&\&CCRF+U#SZI+3NS)&&ML<2"U*>#F$*+"EB6
M^VE]EUUE]*>6E:TJ!75D]-F$\Q^Y/8\V#X$`KITV83S'[D]CS8/@0"NG39A/
M,?N3V/-@^!`*Z=-F$\Q^Y/8\V#X$`KITV83S'[D]CS8/@0"NG39A/,?N3V/-
M@^!`*Z=-F$\Q^Y/8\V#X$`KJ`>)=@#[TON0Y#[2?>_R`^]7[MNBEGCEC]VW*
M+DCRX]A<B/7N3/*?]0];\ST7K7_C\OG?H"ROMX?_T/9?W='Y?&B7R;:P_!*#
M@L^S^MD@@``````````````````,;=XO^7QO;\FVSWP2G`+'L?K9((``````
M````#&V@_P"&MM_G)M3_`%4YI!9];)!```````````````````0W(O\`#Z=_
MN;)_V(N`4UI=^#K4[Y:,$_"V*@L^RTN"```````````QM./S!]8?DVWM^-O=
MT`OR?ULD$````````````````````=-G_8._X;/][0GUK_']?__1]E_=T?E\
M:)?)MK#\$H."S[/ZV2"```````ATNR)C_']C>9/)S#H26[&GD-1DNDS+&[',
MY*78:J);[WE:BM6&IBC+;C+2_.K9;=2M?)2M`$C2.C8O4.B1`XH5JID7%M;T
MF2*TZE0T.9K8W/13<Z$DF7F(%QK.[I%=I)M+#+DRHDVE/,,LNN#Y8](&26,#
M'*8RZH7V.25G;)!'WMK4%JVUY9'E$2XM3JW*R:W%*D+@@4EG$F6UK;>7?2M/
MT5`<P```````#&W>+_E\;V_)ML]\$IP"Q['ZV2"```````````QMH/\`AK;?
MYR;4_P!5.:06?6R00``````'%WOC(6]IHT8\-9<C6-:U\2,%[@DM>U3(VJT"
M!Q>$S5<=1<>UH%SJE(.46EU)*.4E6774N,LI4.4`1AJFT/?5JML9Y.PN3D@5
MNZ%8W(W5$<O3*V!T*9'LDU'8=53;<U/)]B517S?(4HOM+NK2ZZE*A)P`````
M``0W(O\`#Z=_N;)_V(N`4UI=^#K4[Y:,$_"V*@L^RTN"```````````QM./S
M!]8?DVWM^-O=T`OR?UKMT=&QD;'%Z>G%"T,[0A5NCL[.BM.@;&ML0)S%:]Q<
M5ZLPI*B0HDI5YIQQM]I99=M;KJTI2M01QJB619(D8%ZJ2Q],AE:UN;HLM4/+
M<2DDK@\)C5K2@8%!BFTEY6NB,B\U,4GJ9>>59==92ZVE:@)```````/S==;9
M3RW76VTK=;;2MU:4I6Z^ZEEEOEKY/]5]]U*4I_[UKY`$0>LB8_C;^S1213F'
M,$HD5R>V/QMZDS*UO[[<L6VMJ2UF9URTAQ<[E3C=1.70@N_SSJTLM\MWZ`$Q
M``````$<:IA$GUX?8\R2F./#_%[TI<F8VI[;'!XCIBWUCU(M];$BHY:T7J_5
M#?1446%U,]'?YOE\VOD"1@.FS_L'?\-G^]H3ZU_C^O_2]E_=T?E\:)?)MK#\
M$H."S[/ZV2"```````Q3M9C#*^1I/`_NJ66,KBCQ;L8QFORUK;'1E)=9;&X<
MACC$\4=4ZY,A2R):B,+JI]655)L*ON]%?Y/,N+%?521A)F=LGD>>6^-9E3PL
MO+&,V>"87?G&>-#4PX@?<%:GMTD?WB71=]OC+<X87DK?*U:IFDU[@WR)64YI
M$=M%ZFP\R*M/0Z*97@>#X'#,T-LA;9G',3899$R8PWS(4TQAD@2%H9XLR-11
MQE&F:1I0D4DRFY54Y8N=+O3E'^S*MJ)!4FOC;P(``````#&W>+_E\;V_)ML]
M\$IP"Q['ZV2"```````````QMH/^&MM_G)M3_53FD%GULD$``````!U]2.(9
MW.S<=G]M@C>8A8,O12)-R2V6.".=N>OC&@?\:2AK50A-#U+0Z-ALQG[[D%$9
M20E'KDC:SVWIJ'$>AOC6*I`"#-HUEL-BS@@S+8CAD`86+-3XF4.*(Z4+2L_P
MJZ:78]?DSJD=GZ1J,.H%ZDIT:Z>M^R7"].VJ+7NRY.D&%/&X5S([,"]I51S.
MA6-4V=U67[&I;)I8@ERN/L&_&(,DM[THI&'I),GV1I\%-+LM;"%%RF2&V$ET
M-H8]6TK46[HBS+32RS;:7TM,LM,MH868292V^VEU*&$G6V&E7TI7]-MUM+K:
M_HK2E167[``````$-R+_``^G?[FR?]B+@%-:7?@ZU.^6C!/PMBH+/LM+@@``
M````````,;3C\P?6'Y-M[?C;W=`+\G]6?M5&GZ::O[(0Z+-:E[D\LP+F"-1Q
ME16VW+'=^?<>R)K:&M);?=99<I7N"HLHNE:TI6^^GEK0$CV&2YEBC*RF10:+
M(X2[.4#UOS1C=VQ::2<@L;Y/'I#D%+*+;V],<N](RHM?\<(2HDG5*+;KE9"Y
M5?YU*6W4NC5Q_46A+/LU/,EPM#)V_,L#Q._2_%4NFS.BF.3&M7&EJS#FX'WH
MP>L_?YDIFSS&67(S1CY`<I;BH\S+%5Q"IJ;R2%%%JD8?E"Y;H+U6%BDT9F3)
M.HRE:8S(WF1K)6\Q:=,BW#<XOOFTZ;VZ2,>+(U8QY46($*LBK<\2UP6$VJ[:
M(FJTJ^\811G59S<IG-&"#O\`G9/%VR!:>N>7B<@N\\G,H;G9T5[8E9@=<?,$
M<R''I>0K6/[7"3G8J(.J!O<&-)>8P$JRKRB5@PN")8FSR\.*BL[R;FY[(3S7
M"S6@?V5ZEN)D;_C6['R.Z=&JH2DE3F?'W!R=#:$.RJJBCTG7$WFI3T1]Y@J7
MQ\%T<VN42E&6LG,UC)#3$XJ3`[2(?,IJGDJ-H/F!,]8IF]-F1F.)LDU>VDE,
M58[R1I7'%VGMRML4*'`M>G`Q2,*\2YDOC^-VF8??7*HY"T6A.57M6XS6>R"6
M7Y12S;(2#8Q1Z=I>[Y([^R61HCC@K9$MIC<B,-O/0I"[S#*"*M+9?%N395D^
M62B,M;L[0M+AO%2>41IL;6Q0NR:UQ/-SQ,)KC^-NBV^BAHEZB%T-N;KR*D&&
M+5!%EJA-=6B@JI"!N$7V6/-R0[2C)^16I8BD>05*F`QG&F;%S#)TGWNE.N$R
MFK(,&R>L<6R,F8U0&-2BR"M[,X%5<2E<EM-JB-3KXN'+.S=M-)65SL:FK*L#
MS+(']8:VMZF<T=L20S%+K@\Q.C93Y`2X7L3F^1V<'VH[E]I=9@=,R:N%/+&*
M^<!C^/J:2\^Y&RUCF]<CSI$\8-\_Q$7,2EKD[PBQV0,&L^R9LWHJJVNR=]K&
M:9Q41-,N,+N()=G)&G,+N5MAA9ZFI\?AU;<ZJH+`R%*[+;#.+9JCOVI=#467
MI8WWI^1F22T"W#;)CG($1NOQT9D$UM4%)X0N+>"6RK=8])C;K'`@1<+<U\;\
MNQS(;TPY">IOE(M1C^..$BRQ)FF88X;$,\;F^,-*^+L^,EK^]8O4(99=18])
MEL4\GL@LN]N=352VZU8IJ32A=>HSFB#9R9'%ZQU(;4.1W&;N64G1<RJB(W@=
M^E3AE'*4OQ1CY=:N,*G4%R!E=^22!++2[5U;5%BM&N4(2U;*R-46:F':**RZ
M;/\`L'?\-G^]H3ZU_C^O_]/V7]W1^7QHE\FVL/P2@X+/L_K9((````HN43:=
MO&4%6)<9G1-D<HW`V'(<UELU87N5(&]!-7R6QN!L3)%V:20DQV6/2Z`OAZU7
M<[DVMA3>07ZNHJOM,3%<<_;&PZ(K7Q$_(9.J:X=)V/'DPR`UL*<F#MF1G]@8
MGIGC'ZT^FOM#7LR4-:(A24G5M9+JY$-YRZU90XLL4CL+VPBTS5,)=N-\MQIN
M?F;%DCL?Y.Q19(SM[#G%P4,F(G);<VS-U<3^6\@1'H/5D:=4M9U!7E=R6XDP
MDTT5UQT`W$AN0B(8X-^-LP,S%-XKB"<MTBD,?BJ5H0Q'/KX9&,//#I<@FKFN
MM-FDA3'IO9Z<A2ZM-"?6'1*A2FISSA756*-Y'5,VR=:S88ED];X]C#7C(2&4
M-CC!X8BDE^>LLSS%Q2"R-/\`.W9U8/8!L),4%>E5*J+#+#RC+TA=J90J%+"=
M=\-=V1ZEC"ZRDE"X152_M7F'O<'+H\22*Y'C&'Y'&""[IA11&G9KRC,$#-Z2
M1%LB%3?>:K3*#FY.H6%+/^9:!Q/E:'9HA:6=09PL7LQSM(V!3;14UK36]^B,
M@<HQ(FI0K8W%W9E=Z!Y:3K+%"-6J1*R?,4)CCDYI1MY/%D`````,;=XO^7QO
M;\FVSWP2G`+'L?K9((``````````#&V@_P"&MM_G)M3_`%4YI!9];)!````%
M+9$G4L23R`XH@-D>12N<QZ>3<^32YN=7N/QV'XU<H`SOUQ<?9G6/+9!(75YR
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M2HSV`T],8C)<35M+4]PJ5RX>S7!LX,L@>(2NL45B,I.A<J;[72,OE[%)2F&/
MRJQL.>H6_P`JB3E>HC$L;%UMZ!R5EV%K+2S+K%%AQ)0F*6V"````(;D7^'T[
M_<V3_L1<`IK2[\'6IWRT8)^%L5!9]EI<$``````````!C:<?F#ZP_)MO;\;>
M[H!?D_K9((RQ"<U25QQ2BV3G#C%F+#\F@:'(<:@[)#9.\Y'3L$H1MCE!$ZV2
M6RGU5\E[^W+R;3&5#&[;[7-<6A3J5-2**59:^?7Y?MM(C'7\Z&+L?95,GJ$F
M1KW>#HVB)*'QH9(Q%V28K9$<LI-;8RYL:MB?+/5#VYP6^L+4ZE#;;Z\08FH*
M?FFV<9.OB3:AQCF!PEDY>*MD6A!+'$$LA7HC($LR8BD*Q0ZSANC$>:'&'MJ@
MXNQS<42\I25ZF>F)6F$IS!75>L6YFHT')21J!GL+1'%4>*ES8FAC;#XZA5*W
MK#5=A&]J3PFCJR2XAWD&)O0NA*PUG*:3#E)"*]=:X&42@5*PFS;F#N2V,,=T
M,R(TRV6/$7;6V(R`B#,#J6DFD942N+/"IS=IVEB5+7QK1*;4S64Y&R(T]&I+
MM;JU3'^C%."R'N*PP]QEL788!))C/(5D'`<1>8>BDV,4RXQASQF=NP^S2],?
M9.EI3;:F5J;U!;8[T:G.^\U):H)1D'FJDXIS";;.#)6V;+UR64OJ7&JG)[MD
MIY88F0W-N.H)`\P9=Q722R%&X2U>X.Z(I?AM[+\]G]H."XIK-75;4)1Q:4L4
MF..-C(?DN8+(8VL$T8EU''.#>P.$E;&A(V3"S77*Z/"V6'%@JVOKLY)FYBG;
MHC)3WNB9MO<4RNQ0DL.*M.N*%/EAV2)G-#95D&]W@L-PU#)IE"'K$+U'GQTF
M+LFP]*)7`9E*5DJMES!'X:ANE\467)4U6EXI<U);%%ZBTQ94A$/_`%'5>W$+
M1FQ)N/@65BI'D&V'*H!%%,>8&]^E[1.D[^H9'E!:Z2M"V-2=+2.F6NB5U5-[
MFR54)JN"5-:I*NN%/XV;?0KDF=+%&/\`+2`H]RQXU1MD7QZ.II#,5N2LL,^$
MF2UD0WR[T#>4BR.^IT:LQW.:[+4]WKA-3D5;5%PKK^9FV$;4D(J7Q3($'/7Y
M$9($VJIG$F=<F>W1)L-CG7:?MC:C8Y]8J)MCT_R"F:_:JB^Q`;0RKHV6O:`C
MS5`I`XON]:M=DO+O#LKQK#$T;W6ETPF[U)X([H(9'M-LQ,V+GMR<FV/2%S=%
MY3XF<[E*JU&6?>@64+((HO2W&N!(KK[7'O#-;FAG6N;I(Z)%C.HE7*)AI(\:
MKG)D:81&X3+I0_V+VR?K8Q*DC6PY'9#*(X^XN[PJ/752IT1JM,L(3K/^9;>3
M*4ZQ.0K2'DJDBHDI2E5)C;#TZE.?9::2>0<5=<6<2<7=2ZVZVM;;K:TK2OD!
M'3E_V#O^&S_>T)]:_P`?U__4]E_=T?E\:)?)MK#\$H."S[/ZV2"````*PFF*
MVJ7/S3,$+_*8-.&5I<H\CF,+6MJ=S.CCPH1K'!A=FN0M$CB;^WU6H"CTU5[:
MI/;CO27HC$]QY]32VBCUKCCR0.+LJ=3I2I;9#(&>:22,5D2ND;D$_CT=:(LP
MSET0^;Z<QY:6J/H#"TQ9Q;1>Y(D[D8B,<B2E=@MSB#!\#;6YJ:TJ=SHD9F#"
MT:14O<C+[[6O`<I53''EAE];/*8<F>EE]RJ__P!51?DLN\E*`CCXUK[CJ)QF
M,1-H3.UC/$(A@F#LUBAT-/46,.NDA.D^-2U!]UE+CU*5U/NJL,K2E5=G^FZE
M*`6B=NIV+4[.:PMQTI:VU5CV(8W6E)'=*:8M:,<S!]GN-W,X]P;%QQ3Y!)7*
M7-6B,)J40HJNOL7$JR["+"BVY[HZPN]HD4;.>9B=%Y#(:SFD<]K(4K<Q9*-G
MZ'*ZK),=.0-*1T;94IR@WEO]+*J3&M.Y7&W)T9)9QQ9@M<C"UJ&5I1MBI[>)
M(I36FU4/C]5MJ[.1QZ@U08>LM9FUF:"KO/-K;86F2)R"B[;;+"[;;:4!',``
M```,;=XO^7QO;\FVSWP2G`+'L?K9((``````````#&V@_P"&MM_G)M3_`%4Y
MI!9];)!````%=SG&K-.%D=>S')^C$NAYKD9%9I%%R=#(&4I[(3IWQMK8XHG5
MB?&%Z+1I[E3:Z(ES<<H2)E%2/64B4XD(:HU[A2]R]INCK,7.K@ZP&23%`H?_
M`%=JR%+\8*&A7!IA+F]M1H"*OS0ICZ#T_LZC<D=2$*5,XD*TB5,026WT-.ON
M.F6,MD30IG:UG:8@C@Z.PQT-,/M84$@+DR<LP^ME+KU-'0JE:F>3RUL_T@@3
MK[CI/&KXF6F=O8]\0R[![K*NAM3_`&#FZ0H)/.R_3^9YWK*AU;BJIC/)Y4UE
M*VT\M*@(\MU7Q0X)7IN4)WZK3*6'8&*R]JM=_(EE,:V6FSQD/);*YG7)KG!(
MGNECX>I;SD!Z-4CMK0JAMY5;K+BVY.NNT/5)9NUO+Y,7]AR>U*DF3(\X.+0D
M:9P]K8DVP97,W&UA8F9:S2=1&FA.5=5G.;$%5)5JSU7UVVQ1:+6S%F!3&VJU
MM5R:1RU10XPVYYE)S4<ZF65I84G37>Q6EC;;24B8JPNVMB:TPVMM33KC3[S3
M;R)&`````AN1?X?3O]S9/^Q%P"FM+OP=:G?+1@GX6Q4%GV6EP0``````````
M&-IQ^8/K#\FV]OQM[N@%^3^MD@B@T^ND)3QQ\@'MB:&8K>6AU9DV+:O]A$7B
MZ=V4EK*F0UW1H$N08Q5D4%TN924KW8DC]+2[6PE):210HMB37''Y4F53=S4R
M>139R0R=M>)4^/-IKDZH95'8]$U2,Q*@1M[*VH6YBC"4M&F0)$:4H^Y0JN+O
M5JU9YPM$)YJ^VR>:XKE4=EDDA1D"=5*U>O876XA_4)2<6O\`C)H3M9RE&O:K
M;K6Y\OHI]:3'VW6UJ:50M380<6$E;M9<:L+2_P`6BM\DBD%E4.30N30-E>;;
MHX]HFW&K7A]F=%1KLD=)"2]L^.&)O;"S4Z\DH\MO3&*2SSR2S:"W\99K!CF8
M))&UN*N3IF::L,(BDW9D3BW7(99%8`0O(86)=>X,[@N:K;;G"XRY<UG-[J6;
M9;>0J)K2OG")I&F;3/$3`V*&IK531.G)9,?1^+__`+Y!E(.W8GR5?E[&]\<2
MF-=S<J=(OD2^CE>O=B'1>\&V6VNQR\NGF@7+FC-4,57HY&W4OEA#?.[)HAR6
MB2R10E3Y)CL\R-D;*S[%)66027YC'2:Y7?CR:MOL]86E<#D55%R(TY.8+3F*
MX0@D-DC/*V1.YV.[']_/J%ZEQ,4$6](_*['F?)GI2+K*6F>M3>/)C$?EK^J)
MJ7%6^6EWE!'Y2X6CK<^/R]I>I.UQJ6NCT^S#&I*MI6X]DSW(TJA/('%4T/+*
MYN;/:^G*C%:]*TK6Y`X.!AJM40<I/4&FEM%FC6'&K6[PY^/4S%^=\>W11-"%
M\DE2]Y4QM@A""2-\;C24U33TBU"03*U5RQ:LJI>G@RQ-<XKE=4B7T(MS:_7W
M'3DA9&]4F=JIH^X0=S;J6.AME]JK'N6F+-<<J;?2RM3;"IS'4QAU*_\`RIJ7
M$U\E+O*"#WK[CJ048K7%,[74CLO7SAM]"Z&E>:_.6>(/L:J,.\EE?2IKLF8]
M;3:%U_11':81Y?-OK6@M'%&K&+EE%Z==[?7-+K?L`B=&)6O0FM;A$-H7]',<
MVP!5_P#EVKS(M+YPA*>*7^GH[(5-OH$JTE!^I@MI&=@]O4'QIW43[)!\QB1,
MC:F2>FN[!=*B(E+JQCE+"3[Z1FC(L8'BL+:KS334-[I14A+5VJ[5GG*+A:[@
M1TV?]@[_`(;/][0GUK_']?_5]E_=T?E\:)?)MK#\$H."S[/ZV2"`````````
M``````````QMWB_Y?&]OR;;/?!*<`L>Q^MD@@``````````,;:#_`(:VW^<F
MU/\`53FD%GULD$``````````````````!#<B_P`/IW^YLG_8BX!36EWX.M3O
MEHP3\+8J"S[+2X(``````````#&TX_,'UA^3;>WXV]W0"_)_6R00````````
M```````````!TV?]@[_AL_WM"?6O\?U__];T_:%S'>9+HSI@FB.NNI[W%$^I
M^NI$8>I'N?E^+2%WCQ6((<6RNC]&&S0N8-L<>7!MM*-5($[NZD(S[[BBUBFV
MRAU\:FKG+6/+CO!^K#IMV[<V_3H%3&Y.7'>#]6'3;MVYM^G0!C<G+CO!^K#I
MMV[<V_3H`QN3EQW@_5ATV[=N;?IT`8W)RX[P?JPZ;=NW-OTZ`,;DY<=X/U8=
M-NW;FWZ=`&-R<N.\'ZL.FW;MS;].@#&Y.7'>#]6'3;MVYM^G0!C<G+CO!^K#
MIMV[<V_3H`QN3EQW@_5ATV[=N;?IT`8W)RX[P?JPZ;=NW-OTZ`,;DY<=X/U8
M=-NW;FWZ=`&-R<N.\'ZL.FW;MS;].@#&Y.7'>#]6'3;MVYM^G0!C<G+CO!^K
M#IMV[<V_3H`QN63M])CO,JT9W/32[774]DBBC4_8HB3O4<W/R_*9"T1XW$$Q
M+>G1AC#GH7#VV1O+>VW&FI4"AW:B%A]EI1BQ-;?4ZR+%7&7;T*R`````````
M`#J8U!E>YS?A8Y'C3`>L4M@Y&:MH[8_(ISMSE7'DK<T]VSV8;U!KQ#&#27)[
M0Q'%+KC2["R'YQM,*LL,K?9=?4HN-35^M/<N.\'ZL.FW;MS;].@5,;DY<=X/
MU8=-NW;FWZ=`&-R<N.\'ZL.FW;MS;].@#&Y.7'>#]6'3;MVYM^G0!C<G+CO!
M^K#IMV[<V_3H`QN3EQW@_5ATV[=N;?IT`8W)RX[P?JPZ;=NW-OTZ`,;DY<=X
M/U8=-NW;FWZ=`&-R<N.\'ZL.FW;MS;].@#&Y.7'>#]6'3;MVYM^G0!C<G+CO
M!^K#IMV[<V_3H`QN3EQW@_5ATV[=N;?IT`8W)RX[P?JPZ;=NW-OTZ`,;DY<=
MX/U8=-NW;FWZ=`&-R<N.\'ZL.FW;MS;].@#&Y1.>S;?^Z#3.U7K-IX0DNB<B
MM5')MY<U*E!*>K.LH<:0E-[O!&6I.++\M;2[CBK;[J4I6^VE?.H,;E;VEWX.
MM3OEHP3\+8J!/LM+@@``````````.NK8QUS&T;S:JJ<(P3&>0I7?J?O*0X,N
M5,LRG#D>2QZ[+_=\&*W1')XCA;.KDN>27(I(46@O:$Q!I!YQM5A=Q%A*@L>3
M:S.7'>#]6'3;MVYM^G0!C<G+CO!^K#IMV[<V_3H`QN3EQW@_5ATV[=N;?IT`
M8W)RX[P?JPZ;=NW-OTZ`,;DY<=X/U8=-NW;FWZ=`&-R<N.\'ZL.FW;MS;].@
M#&Y.7'>#]6'3;MVYM^G0!C<G+CO!^K#IMV[<V_3H`QN3EQW@_5ATV[=N;?IT
M`8W)RX[P?JPZ;=NW-OTZ`,;DY<=X/U8=-NW;FWZ=`&-R<N.\'ZL.FW;MS;].
M@#&Y.7'>#]6'3;MVYM^G0!C<G+CO!^K#IMV[<V_3H`QN3EQW@_5ATV[=N;?I
MT`8W)RX[P?JPZ;=NW-OTZ`,;EU/<JMQ?',]I?<1K1]ZWA/\`J/(OI992^[W[
FO>E_ZQRH^\WH6\I.67*3]4]@\D?4?4?UOVOZ7]2$^M8_Y]^O_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g655598g08l41.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g08l41.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0FH4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````[@```F0````&`&<`,``X
M`&P`-``Q`````0`````````````````````````!``````````````)D````
M[@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!PL````!````<````"P`
M``%0```YP```!N\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``L`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#T(D9`%MH#P\!S&.`+6M.K(89;NV_3>EZ&/_H:_P#,;_Y%*C^CT_\`
M%L_ZEJFBI`X]/:XM?]F:X<M=Z0(^+7)M_3?WL7[ZD2MC?>2UI)L?J0/WBI;&
M?NM_S1_<DI#OZ;^]B_?4B8N-3ETC(H^RNI>7>FYM0>"T.+&O%C'AC]VW\U2V
M,_=;_FC^Y2Q;F8U/H-H<&L<_8&!H;M+G.9L`<WV[2@I%Z.+O->_%#VD@M-$&
M1SS9YJ=6'3<":G8M@&A+:01)&[_2?NE.;9<YP.4V23`V0)\-VY3JR?3));>\
M'L[80-9T@M24UKFXF-D"C).*QSV;JP6LK+H)]3:VUSM^SV_03;^F_O8OWU(M
MNR_*]9U,;&;6.L:TD$EV_P!,^]S=S?II]C/W6_YH_N14UWOZ7/NMQJQ#B(=2
M)<(VMW.#T.K[);(K=C/<T`D,NJ/)CCT';5=VL_=;]P4"`+V$`#VOU`CO6@I$
M:*=Q`;26R8.^H:=M/01FMKH<YV,^6L(=+=H:Z![V.]-K6?\`?V*>X^*C89K?
M_5=^0I*?_]#T+&8+&8S'$AIK;.UQ:=*Q^<PM<C74UU2=EKF`3N%SAKK_`*2U
MB!07MIH?66AS:V?2!(U8T?FEJ*^[)>TL?Z+FNT<TM<01YC<DIA1C8U<UTX]E
M8<XV/#+H&^QWJ6O<&W?3=O\`6L13C,^SOL(MK>`XAIM>>)VGZ>WW?256GU+'
M>L_'QZK:[7AD#<2&.=77=N81_.L_2>G_`(%6'W9;V.837#A!]KN#_;24Q>8:
MXCL"0HW,OI=M+W/T!EE!<-9T]K_)3,&0>#((\BA@C4-%[@TEI+3<1(.UWNWI
M*6/K!NZ;#SI]G=.G]M2#+BPOWN`$R#0Z=/Y&[<[^RFG^3D??=_Y-*?Y&1]]W
M_DTE+1>:['AQ::V;R'TEH.A]N[?[OH_F(HU@^,%#AEFZMPM&GN:]UHD'V_G/
M]R(.4E):<2I]+'N=87.:"?TCQJ1Y/0'U=+&0+7^H+Z6OK:\NMW!CBQUK&OGZ
M-KJ:_P#C/34V79;&-8#60T`"6NX']M1MS,]@86-JLW6,8X:MVM>=K[?<[W^G
M_HO\(DI/5CXMU8L8ZTM=Q-EK3II]%SFN0+F"OUF-+B`TQN<7'5O[SRYRG]IS
M/&K_`#7?^20[#8YMCK"TN<T_1!`@-_E%R2G_T?0:/Z/3Y5L!^(:`41-;_.O]
M#Z.X[M\[=T^[TMOO^ENW_P"#]3_KBA^L?\'_`-)%2P]9I<!6'`N<X'>!HX[N
M-J?==_HA_GC_`,BE^L?\'_TDOUC_`(/_`*22E;KO]$/\\?\`D5/%9D9&$PO:
MVDO=8;\>P"R"7N.SU*W-;^C_`)*A^L?\'_TD!_H;W;_L^^3OG=,]]W\I!39.
M.VB&FIC7[88^JE[F\[-K]CC^][F.3X^([<VZIE=8UU]-];Q&YK?:Y_T?H?25
M4?9^WV?_`*:;]6_[K_\`324V<EV2S+J;Z0M+J?TUH<&-:YI.W]&_<]_K/_<_
MFO\`")MUW^B'^>/_`"*'3MEWH>A.F_;NF-=N[_I(GZQ_P?\`TDE*W7?Z(?YX
M_P#(ICZSRT&L-`>UQ.\'1IW<;4_ZQ_P?_22_6/\`@_\`I(J2*-G\V_\`JN_(
M5']8_P"#_P"DG;/J,^T1Z4B?3F)GV>MN]WI[OW?^NI*?_]D`.$))300A````
M``!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````
M$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X
M0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("
M`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`.X"9`,!
M$0`"$0$#$0'_W0`$`$W_Q`"M``$``@(#`0$!````````````!P@&"00%"@,"
M`0$!`0$!``````````````````$"`Q````4$``$%"P@(!@$#!`,``P0%!@<`
M`0((&)98F-@)$1(3%-05%M9X&5DB5A=7MSB9V2$WE]>XR$F)([4V=K8Y,3(D
M-$(S)29!82<1`0`!`P(#!P0#`0$``P`````!$5$"$E(Q87'P(8&AL=$R09'!
M0F*"0R(#X7(3_]H`#`,!``(1`Q$`/P#W\4"@U\/K>(VZ%Y9C[3Z/0)_<R(<-
MHKFEA77LV?K)'RZ3&&*'T=6DHJG+BM([K1C`7<,HK03E:Y86W@%$ZEYY6RM8
MB9X$TCBBDS#TY28,(?V$VME5=`-6%N)&^OALYK#%R<&8&R&R*$U-@*YF?57$
M(&^)?(10?0X0P>%\K%PKB9VK48Q]69SM#JKZ*Z?'+]^Y->(RD,QW<LLCTN(`
M<QJ8@N?>]\9%5)4$>"B,<[F-[>&R%N+:V>?<R_Q,^^NF+)JRN_G`3HOS+]3N
MCI#_`*G4I%H-66Z3@)T7YE^IW1TA_P!3J4BT&K+=)P$Z+\R_4[HZ0_ZG4I%H
M-66Z3@)T7YE^IW1TA_U.I2+0:LMTG`3HOS+]3NCI#_J=2D6@U9;I.`G1?F7Z
MG='2'_4ZE(M!JRW2<!.B_,OU.Z.D/^IU*1:#5ENDX"=%^9?J=T=(?]3J4BT&
MK+=)P$Z+\R_4[HZ0_P"IU*1:#5ENDX"=%^9?J=T=(?\`4ZE(M!JRW2<!.B_,
MOU.Z.D/^IU*1:#5ENDX"=%^9?J=T=(?]3J4BT&K+=)P$Z+\R_4[HZ0_ZG4I%
MH-66Z3@)T7YE^IW1TA_U.I2+0:LMTG`3HOS+]3NCI#_J=2D6@U9;I.`G1?F7
MZG='2'_4ZE(M!JRW2<!.B_,OU.Z.D/\`J=2D6@U9;I.`G1?F7ZG='2'_`%.I
M2+0:LMTG`3HOS+]3NCI#_J=2D6@U9;I.`G1?F7ZG='2'_4ZE(M!JRW2<!.B_
M,OU.Z.D/^IU*1:#5ENDX"=%^9?J=T=(?]3J4BT&K+=)P$Z+\R_4[HZ0_ZG4I
M%H-66Z3@)T7YE^IW1TA_U.I2+0:LMTG`3HOS+]3NCI#_`*G4I%H-66Z3@)T7
MYE^IW1TA_P!3J4BT&K+=)P$Z+\R_4[HZ0_ZG4I%H-66Z3@)T7YE^IW1TA_U.
MI2+0:LMTG`3HOS+]3NCI#_J=2D6@U9;I.`G1?F7ZG='2'_4ZE(M!JRW2<!.B
M_,OU.Z.D/^IU*1:#5ENDX"=%^9?J=T=(?]3J4BT&K+=)P$Z+\R_4[HZ0_P"I
MU*1:#5ENDX"=%^9?J=T=(?\`4ZE(M!JRW2<!.B_,OU.Z.D/^IU*1:#5ENDX"
M=%^9?J=T=(?]3J4BT&K+=)P$Z+\R_4[HZ0_ZG4I%H-66Z3@)T7YE^IW1TA_U
M.I2+0:LMTG`3HOS+]3NCI#_J=2D6@U9;I.`G1?F7ZG='2'_4ZE(M!JRW2<!.
MB_,OU.Z.D/\`J=2D6@U9;I.`G1?F7ZG='2'_`%.I2+0:LMTG`3HOS+]3NCI#
M_J=2D6@U9;I.`G1?F7ZG='2'_4ZE(M!JRW2<!.B_,OU.Z.D/^IU*1:#5ENDX
M"=%^9?J=T=(?]3J4BT&K+=)P$Z+\R_4[HZ0_ZG4I%H-66Z3@)T7YE^IW1TA_
MU.I2+0:LMTG`3HOS+]3NCI#_`*G4I%H-66Z3@)T7YE^IW1TA_P!3J4BT&K+=
M)P$Z+\R_4[HZ0_ZG4I%H-66Z3@)T7YE^IW1TA_U.I2+0:LMTG`3HOS+]3NCI
M#_J=2D6@U9;I.`G1?F7ZG='2'_4ZE(M!JRW2<!.B_,OU.Z.D/^IU*1:#5END
MX"=%^9?J=T=(?]3J4BT&K+=)P$Z+\R_4[HZ0_P"IU*1:#5ENDX"=%^9?J=T=
M(?\`4ZE(M!JRW2<!.B_,OU.Z.D/^IU*1:#5ENDX"=%^9?J=T=(?]3J4BT&K+
M=)P$Z+\R_4[HZ0_ZG4I%H-66Z3@)T7YE^IW1TA_U.I2+0:LMTG`3HOS+]3NC
MI#_J=2D6@U9;I.`G1?F7ZG='2'_4ZE(M!JRW2<!.B_,OU.Z.D/\`J=2D6@U9
M;I.`G1?F7ZG='2'_`%.I2+0:LMTE]"=&^Y?P>FVK!43N7\&9(Z_Q2GG2^?\`
M]`Y,^1:A<Z2-`Y?*#&!$P%#SM;+#*V5K7LI%C5ENER0M/HL;WA!XG<,RP&I]
MS/Q8Y"DV26ST@KGG:_>YYQR.XE:)%?$'+N7##46^=!P[VUK8=[W;7:8-4LE3
MI/W6@?P(BSYCW8C<K_\`/\536I#>T*63PP#[\V4\3'0X#EPWCB%GEXIB5C\3
MNY_($,9VQ#RS.,QP:C*)X]R[4'["Q1L0W5!?C!QB*`[?/X(CU:*XE*C5D&.W
M)<#$P*UY#8;B*)KI9K@!#OWU@#Q8*PX7<%`R%!RP$RRM$UT"@__0]_%!J6D&
M05[>I><#+9;@6VII>U%L\V'<[FP>,H[AVU<*.9Q*.-IM-QE,0SJ+K<BG0QDU
M554T8(\\3P1@H4,%TDN**K:B*]"9T_\`V6/;K=;[10DAKM1$26TVF^G%$A";
MZ"G%$E%1DHB#B7))J6F$`@"1`B4`PM@&$%ACAAC:UK6M:MN;N:(4"@4"@4"@
M4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@
M4"@4"@4"@4%;)ZR?*T^]38M94J/*'0)HV%<#&>3QCY'C%8=]FLW]5]F9?!2T
MC&7(\E%H$?'G?%R3<P/DD"F/%0Q`PA`O"7RJ93,1%&\8B:UCZ):X(Y`^(%N3
MR6T*ZC]8K-VJ8[?4X(Y`^(%N3R6T*ZC]*S<ICM]3@CD#X@6Y/);0KJ/TK-RF
M.WU.".0/B!;D\EM"NH_2LW*8[?4X(Y`^(%N3R6T*ZC]*S<ICM]3@CD#X@6Y/
M);0KJ/TK-RF.WU.".0/B!;D\EM"NH_2LW*8[?4X(Y`^(%N3R6T*ZC]*S<ICM
M]3@CD#X@6Y/);0KJ/TK-RF.WU.".0/B!;D\EM"NH_2LW*8[?4X(Y`^(%N3R6
MT*ZC]*S<ICM]3@CD#X@6Y/);0KJ/TK-RF.WU.".0/B!;D\EM"NH_2LW*8[?4
MX(Y`^(%N3R6T*ZC]*S<ICM]4$;%0G+.NS$:DI(>ZNR[['+;"ZEL939T@M/3?
M-H.)K2_M1#40/1+5\F+J6Q'>7\8:#[/6+CIZN1,%S7@Q,1/D7QR1,UCO*8]_
M_/T6PKHY*[2Q!IMQ.A)FB'W/>(MD6<GY$&Q)1`E8XDNQ!P$S-WC"9VWAF7"D
M:*%8Y?OA"8N82BE#97-I)LB;[HN4G&)ZM1E3N^BU^L.QY+8)LN`JM-T6.YEC
M%9P9\UQ,?.^/G62Z;@Y&""DCJ698CDYXX?*:'YS;*Y@`"$J)HEN_#`-@FRI?
MFWS^BS=!_]'UW[R/A==9B/\`3Q@+1Y#<NP19P*LLN=#/&""_'NLC1R3RDEJZ
M*I$C`)M$=DCJJXG-!$-8WL,5NK'5$OWPB7E:UB*S0K2*LO;K=0FBWT1J-=(3
MF^VFTDIR"WT)(*`D4I&14DH$03$M-)%\<`"A$@2`P""#PM;'##&UK6[EJZ.;
MN:(4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4%5HNBZ4=B91VU%%VUGZ(
MV]$<_-B*V4RHK;&JH[>)MX?576>63QPX>EG6>57BH+*@\9551!!!%6X&`%P0
M@@0\0_E8F9K/>Z1$4CN3AP1R!\0+<GDMH5U'ZE9NM,=OJ<$<@?$"W)Y+:%=1
M^E9N4QV^IP1R!\0+<GDMH5U'Z5FY3';ZG!'('Q`MR>2VA74?I6;E,=OJ<$<@
M?$"W)Y+:%=1^E9N4QV^IP1R!\0+<GDMH5U'Z5FY3';ZG!'('Q`MR>2VA74?I
M6;E,=OJ<$<@?$"W)Y+:%=1^E9N4QV^IP1R!\0+<GDMH5U'Z5FY3';ZG!'('Q
M`MR>2VA74?I6;E,=OJ<$<@?$"W)Y+:%=1^E9N4QV^IP1R!\0+<GDMH5U'Z5F
MY3';ZG!'('Q`MR>2VA74?I6;E,=OJ<$<@?$"W)Y+:%=1^E9N4QV^IP1R!\0+
M<GDMH5U'Z5FY3';ZG!'('Q`MR>2VA74?I6;E,=OJ<$<@?$"W)Y+:%=1^E9N4
MQV^J+-65UXKL7+@3[>BS(CA9\_;9Q7B]7&FL](<+@;T-[53/$S-.+Q%@MAEL
M[%9Q9S+(!FA$]*(`#CX9"^!QRSRK>,UCO8RB(GN6,JLE`H%`H%`H%`H%!7Z3
M?O&]GG[6+_\`X!=W:SGPCJWA^W3\PVA5AI@4JR`D1-%\D2HX,K8H,:,)X2`M
MY99XA8XI#-;RBXU++(7.^.`=K$TW/NY7O:UO_-Z$*3PS,KB8,'9S;-LH;(OT
MPUVG''TW(\HP&CP2T8W4%T9##DB1&N47M?(-=2HP(UQ&/J*H+=57,2"`3&SR
ML.:Q"\)&J5FD.S5MSG<=?D(I[+AI6QC*2$^5Y,6'V]%AMMP877R*RB*CJ4II
M*.H.5-46RF&G)(C85@+JP%S0[=,Y87)`G3&.)6I3BP?'M0XKQ2Q5N[(7%0DX
M8P7)5BA':3RCAVOA^I"2ZHY9Z6V%IFI;F\<C9_O=3E5&%14M6%QOF",*$=$(
MGRXQ'"573S2@Z]QW:TUM^M0?71W*SJB6'$2>Y3)(S\80B,SV`X5R4B"2A9.5
M1/IB:J2NH(\4G3X2*%W$ZP8H=A50$*^`XE2G-W<K;K,"*'%$1%6+HQA`EPU%
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M`*F?6@3%A<2(.!91\1%.?<Z90W&?C4EB1FX_(14DF/XX84(74E!N.)KNAS*4
MV3DMKB&T8L0,1'&B%5=175_%&12`=RQ?#Q]5#-'#)0AE@+D*=W%W[FW0SCXJ
M]TB1(3>Z1*+4,0!FC1<VG"R7:JOY+V4E<6&8Y,--=LM(R#YQ(/<@=`72YT4H
M$DA%+F;F!28H1K.I3FSR,MA75(LFNF-1(EN@&XU5"#=E<\/(+>-F6FN+C&(2
M`W32.W1"1!?=;+54M9)D++.`)0+-9\:`+!&BQ(8Y0I]5I:(H[VAWW<D3VL>S
M[_CZUGI'&.I?I/HR&NKD4%3=@!5*#70V=TF03'%58@(>99Y0T\`08:2-7#1_
MQY_DQB9;(,53=$/>$$>#;O?P@MA21].!QMBKCWK.4?5O&?U^DMJ_I.W/1KTS
M\^I/HEYC])_2;Q\MYB]'/$/.OGWSIX3Q/S3YL_\`<>,=_P""\#\ON][^FL-/
M_]+U/Q`;SDR;=J=@CV?C8:Y*Q[7Z.ALL\Q@TV+M8SBI'ZD0)""7RQQP5)\&?
M2B)D#W@0H9D#&]L\@;"9;QX59SGA"S%:8*!0*!0*!0*!0*!0*!0*!0*!0*!0
M*!0*!0*!0*!08-I'^L#M`O;):W\!6C]<YXRZQ\<>WU7ZJ!0*!0*!0*!0*!0*
M!0*!0*!0*#5)JA^K^3?;)[0G^/79*NF/"&<_E]O19JJP4"@4"@4"@4"@4%?I
M-^\;V>?M8O\`_@%W=K.?".K>'[=/S#:%6&D13U%F<W0^_8FLXQ6H$_$2Z`=6
MPDL%:\`F&39;-5)C)1@T1!/E%A,"%)CAY"X=T$QE^GNT6.Z:H]<<`.:4VTEL
MF>),*22QK.0=:>C-26$49*#)*.4*IV;;9+Q!"<2^:.,X@X"XJ@ID<!L05^U@
M"1S').Q.E5`5IP8.!IP#_P#H**KR2HN]CM[6U_:JO)&>+?Q5W.\HM=X2:`2'
M(OHJN):@WWB$604X%94#)=7P7`R6&=P2IF]S%"O)]4#4Y8]$$!C/V0&@YT-H
M/*#7(WE)L0TCQ^[55/@M^(LCHQ*0EDDZEI,<RRXW2T$0=0-)J>A$.ZGY>!3@
MO#7[P5^L,W>NLJ(]VYM:WSKK6R.>UZ7Z,.18(EB@:JT6=G$R%%(K=;9CNVO?
M'`N555,N8$_Q"Q]:&RQMW`\.Z*\$<J.FF1M^N=9*22$EQ^[Y_BS8]PM`K'Z1
MF[UMZ1.:8JDW6NLR4.KYBGXU3EB-T<XG)]DH)03!2M@0S^9+$(H&*]R3P-<R
M135-2U>(O%7(!+,/N.+5.1RA$KBXQ%-XMY2273()8@,*,0`<BDK+)M5P#SR%
M+A'!;6OB('CWN0KWU?:88"^D,Q"ZPTE]$9R[!3K'<;+`<3*"D!E6"/,U989L
M`VT<U]KCAJZ:@+@MTA3+*!<RFF+7[MARPIDJ.(E$[:T_<D:!L9Q11,]TJ5&T
M1F!(=KUD".TY\(<H)LV2JJ32ZC+K:#?<D=&2+A29%6#)])-IBJ2``N<-!F2Q
ML(;'`(5XUAWCOU-,NM>FY3O).2:3E64X8G=KW"9:>9<D;RW!Z5$B8UC)=?,+
M%R#HCPP)#9`P.A&4T$SX545K8J-L#0&!,5X=SZ$]3Q5A](LKRA(PKXDD&0&"
M\7$<2VF`U6<;;T4-N324:QNU&H877.H-=JMA\R<;=5QC:JLJAM9QR\*:N7\7
M"*"MF4I,#NPY/"'.,B2(WG(=8C>D)H1VEM",\&&I%VQ(JNAJ9]+D-U&GD\3[
MZ"10VV4P(@$P4%.L/CD:,%#!FP`H`KW46;HBCO:'?=R1/:Q[/O\`CZUGI'&.
MI?I/HR&NKD4'Q,%P#8`Q4T""9+&01"Y@N8#P&`,`#89!C`C`B8Y!B@BAY7QR
MQRM>V5KWM>W<H-;/I$M<%7`5YT,^D'%KP$>,><U/SKPU^;N(7Q3P_AO.?C'`
M9_\`@O#^%\%X[\OON]_PJYT[Z.U?VY=O-__3]0^BV>1W3_7=RB?_`"9#C%O2
MT>ROWOA1%*80LY24Q3-\0\,;G1E!WB9C_IS_`,;++_$$_P#N9=,>$,9?*5L*
MK)0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0575]U=9FUL$=U>=\JM]E3
M0"E-]93&P\1<FZ4<Y)S%\ATL-KN%2L"@*ZJ)EA</S?B9Q/Y9V^0#GC\JI6*T
M^K6F:5IW)OTC_6!V@7MDM;^`K1^L3QEN/CCV^J_50*!0*"IF[2BLIL`BB(0<
MA&3I^:-66^.FQ4]C4<R"NHSGVDAIMN)LMIZDWG'8R`9=#?532<*)=<2PLRYH
M0,4Q@'GG185X@Z6I(+-8=ELPLN(CND;:.1HT9;3V)>;JF1U:X-N.XT`6GD7E
M-9$?*LNR4H*#A9Q]91DX@\C901/>*9B45[)A?O@HLT?MR["+;9DS!PRN33\E
M?5UN;7E9'&8@:@4;CS*-.&(#G!.<#91%=05%)(S46*_"6`B>;-G<B*GB8!P-
M&@<0S(HZ<')1MK]B3;7>.8T4*RDX$Y`CYT!N`CK'M>U&TPB[C>91O2,@F&E)
M+8:3SGQ0BENFKK1;-K9IJFZ2X0P6*0DYAAY&!2.[O6]090)_0-E*JO)<8KY8
MHTUQ<,R6BIBLV8S'%3<U`(,\,@G7.[E]"+$3);$N?3\U,V>+FPAB_?>&Q[RU
M3ZJ?)6X<N&LG6SD]";;K?">]-:$A`<CHAN>-:$$5N;&/MZ,80\H1M+^*D^CY
MB/LF"?.V-D3HB8X+9AE0A2)C`SX`4A)`,\3:85!H8`^BS.9BNP1V%3,B9-=V
MX1L&WT_7=N[)&9"PBV[ZNY13>"*["#=LA^E]KW4!<C]C]RX>16AW,WT[.NX\
MQ),%?1=,*.D'8V?R2J`B*!Q21?"$9(6B@)A''4`2YT%,/E@<#`)<7&XA7`6P
M.66>6%\\A*V=$*!0*!0:5XKFB)X&@V6Y`F60VG&K-3]R>T*Q'7G<LE$@J,8X
M\=E1`T].#,"6,JZL9QPO8`F5#&-#Y?)##RR[EJWC,1CWLY1,Y4B+>BQL%S;'
MVQL5-.:(J4CBQ'SW#5C+85CZ6=13*F12%Y5;HA^Z6IA%U$D`;.)`N8.!@,(?
MP.6-Q`\,KWPQU$U[X9F)B:3Q2U1"@4"@4"@4"@4%?)Q:\KGW3K=)$/-^/7<Y
MH)F]9DH\TI*D!R1@A.)"7]=I]A$R4*/%KQ=,"@GJR>H3`5/AAYHHH)@$F*'<
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M\<FF:P:L>_BM96W,H%!J@\,)[X#Z-.Y;S=PQ<6O>?X?BWI)XWPM^-]SP'?\`
MGKS!_A=WN=WQ/]'A^Y_[>L_OX.G^?B__U/4+H3]Q?2_V3M=/L?9U=(X1T8R^
M675;*JR4"@4"@4"@4"@4%-^T,7UUK:,;9.)L+2LW'`C0+))]'74%1.)"RE'R
M[;/9`'4U33QBYTB;!R_3@(%GCGC?_P`7J9<):Q^6/5#K3[-Z!U5JMI4.OW;`
M0XI-]&/FQ,=Q-E`\1#)Q.+&!\\0\)*QPPMD*)>]K6M:UO_%JFF#5-H^T,@]V
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MQ6:S!VS;*.C*#Y<RB[W29+B:,:4J&>2HOJF>1@SWA@[GB`"'B$5)E\0RY8($
MN$$%AF8I,P5K$3VXMJ5$*!0*#%7DRV^_4@FAN8J*<3B+J8CT+`@FC!//!P1N
M]V](C2-7%*B!"9A$74UB0^85[W#'P#N&);(//+&X16Z=:XS="NZ7+;!S-IV.
ME[-F3!'6TW0JHBVAR0TV%G%B6^6[G@,,03UPU&M\4!1QR`%)JR/A8F=`'`RS
M#R+5^F_K5%*#B7$'2U1T*>6+_P`EY=>*XHN-8>9J4$U!17L=>1D\-D"NBJB&
MV$]/!"S#Q*IZ:3!)DPBY0$('`5=:U->45L,D\SFM+DXA()DLVB+6/"R>;<"F
MQT1IY&\4=':BRN$U8P<)7+F[@&QE?)6.*`(06)H<;P(=\17DR(IK[&Y2'3T&
MY%G"<9:J*X%!5-GG:XS#P/N5U.Y1D%P/,1Y^<<'$6=Q]_*QA9P.%QP<BA_.V
M1;$'`,,/`C'D'5R-$A9470IG'R]'BM*<6K"Z[GF]%A75U91AE;<R_'@MRH(A
M%`2"R(==ASOBB:2)$S-LN^&"S%OF)F6KMW=KO'SM%6U*PKG;#H6)039F`>;4
M<1Q+<J!)"9%J5"@;A0!Q\3R<4Q-Q8E>93),4L.1,E31CP@.0@V6="K)HBB!E
MPBTAF8Q0UNR6<<CH>*F;<;C6W8O+#J>JV<<CK7E=?<)U055!175Y0'-#YB"W
MMX47+O;8X]RUB<4H4"@4"@4'D`GGL<F9OBW94EA`EY[QY,Q3;/M`$U-`<2JJ
MO:)39<AO1L25`(`L\\=L98/CV)$+PXZ$*"5R'R%-CIYLT*()G=-8K7O7_P#3
M3-*=W=Z+0Z@]DPTHXURC-CS<\9O*2DW2*Z2=@44;5SXVX[R,9.M>,IYEJH;>
M=S824Y..(PY8:^`:>4SN+GGD*'B+?.M1CW=_%G+.LS,<.D+)^[/U]^?6V/3'
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MIJ`Q@Z>-C9?IS$%SRSRO_P";U<>$&7RRZKD562@4"@4"@4"@4"@4"@U.?US_
M`.T[_.!6?W\'3_/^WX?_U?4+H3]Q?2_V3M=/L?9U=(X1T8R^675;*JR4"@4"
M@4"@4"@4%(>TJ^X!N)[/4G?\9/5,OC+6/RQZK8L+_0K+_P!IMS_)R=6.$,LM
MH%`H%`H%`H%`H%`H%`H%`H,&TC_6!V@7MDM;^`K1^N<\9=8^./;ZK]5`H%`H
M*1[KR,W4E"C6$UQ4<"63GUY"(KU.M0B\%%?28491/!TRP?P!89$\Z":8Z0\4
MME"G2U@LB1EXEQ+"896QO18^LL%U>V87G:T=>6(84[.=QD']*FO<O.!SI*TF
M.Y36H28JTLMQ]B)Q\-!,(JC+C5(H3LN$;(6OYN<(=L00<LK=X)A^EF49U?[C
MU66&J]V,R4=3W<VDA]ZH7H0[%W!VM2&R.X[9;Q4T<)2PV@`_&&]$((YH$P6.
M`V<URJD'@&`1\VF!='<"RI+<)PGK<XWLILMRQB^4V16R18K49RT5>3<!9463
M%-3;7L'J?=Q@FXU%7;D1FR2@G^92@6)U3+V+#VP)"B'XLT[V721L1L=!\2$)
M<>:I#KU^D*'I:=K::S;9CH2B<?2,S=?GU/[7(&ET5_J!F1(WR28Z/I2D;\70
MSQD\,4,`>*!F;E"]2D._F9SS.V4M_M_-=BT"8"NG\UR(6EE,CA:#--M01G&W
M,L6PVP@G^G+N+9+$SN5@,A%+`?-1*E#PMLKA9EA!%/!A;@G^3XF1U_$XE,)Y
M2O:%M%T\*1&]%3O&5EQ6GB;IV8&.;@;!)^.9WNU!CY)2<E!(1<%@(4ZNGS^/
MCA7!4[XH.[P=J:GW9LNS05==159DL]NO]VMYW34H:V/=57AFF1:#"<S,>(VO
MH,@`N]NM,PLN1:15U<+#K094=N>-6(%"*B(;1XM(;'$LX"H)B<?+'R*J7/$2
MAP!32\L,TQ1!,EPQ@CZ=D&9.X9$3F&=A`;XC"VN'E;N9Y?\`JO67.H%`H%!J
MDU0_5_)OMD]H3_'KLE73'A#.?R^WHLU58*!0*!0*!0*!0*!0*!0*!08D_?\`
M0KT_VFX_\G.4GA(J=V:OW`-._9ZC'_C)&IC\8:R^675=ZJR4"@4"@4"@4"@4
M"@4&IS^N?_:=_G`K/[^#I_G_`&_#_];U"Z$_<7TO]D[73['V=72.$=&,OEEU
M6RJLE`H%`H%`H%`H%!2'M*ON`;B>SU)W_&3U3+XRUC\L>JV+"_T*R_\`:;<_
MR<G5CA#++:!0*!0*!0*!0*!0*!0*!0*#!M(_U@=H%[9+6_@*T?KG/&76/CCV
M^J_50*!0*#&+LQLY/,.0LTH+-Y`M@9F%UP0<V(,5;)E5`6SB44+9CY$2@1]5
M*`#&,PPL13%RP%A,LL00K8!&[RURB!]J:JNK;<5"3C67"A.TXZ6<^']'3M"<
MS<:YYCIJ\ENN/G.V'$AJF;)4AD8V,2,E\U!)RL3-W&+XXAXEJX176*%$YE,>
M/TAK*J$VHWD!;E1EV;K\D-NKZ+(+G47JJ.ISXO)#=:>\3YYV&Y'7O.V)H^."
MJ`JYL$U@*"-GA<5EG!")X\2TR/$8BV2@"9%*H86H^)^,*`@;;4S;5=3),&B]
MQC8F9RXK6>RJ3OB9N-AWAS++N=_CAEB2J+DK4+7U((K22`RU0\AK3%=$8!MU
MP2')CI;+5CIZ$BZ8YV1&K9<SQ5D&)VPK)1,N4S)-@ND`8$RI<##'$(N#@&6L
MID68_9KA5S2XN-\BJJ1YG+,?G1CUAAP3C-<1DH<6V^:(YBW(F"*D8(A7%[\*
M^=[8][WUL;Y6N1%A;5B#P&8H,(PUEE:0%1K,AFG3+ID.2G@[,T*,WBYI`C?$
M%_NIWK#\)JT?/-W'5%#4@5(-223%P+E1PK$R=@"UE^E?6.+EYID62L'YF/-\
MB861\PQMEMD+*JP&OADP55-=3D#EC!R/)!,%R(86*<K&SI`$*^>`0.&`HF.8
MK*=4Y.((Z>024HF63DM+)%4Y-3R0(98F0($@,"Q,F4+A8XA%RQ4N%C@'AC:V
M.&&-K6MW+41S:!0*!0:I-4/U?R;[9/:$_P`>NR5=,>$,Y_+[>BS55@H%`H%`
MH%`H%`H%`H%`H%!B3]_T*]/]IN/_`"<Y2>$BIW9J_<`T[]GJ,?\`C)&IC\8:
MR^675=ZJR4"@4"@4"@4"@4"@4&IS^N?_`&G?YP*S^_@Z?Y_V_#__U_4+H3]Q
M?2_V3M=/L?9U=(X1T8R^675;*JR4"@4"@4"@4"@4%(>TJ^X!N)[/4G?\9/5,
MOC+6/RQZK8L+_0K+_P!IMS_)R=6.$,LMH%`H%`H%`H%`H%`H%`H%`H,&TC_6
M!V@7MDM;^`K1^N<\9=8^./;ZK]5`H%`H%`H%`H%`H%`H%`H%`H%!JDU0_5_)
MOMD]H3_'KLE73'A#.?R^WHLU58*!0*!0*!0*!0*!0*!0*!08D_?]"O3_`&FX
M_P#)SE)X2*G=FK]P#3OV>HQ_XR1J8_&&LOEEU7>JLE`H%`H%`H%`H%`H%!J<
M_KG_`-IW^<"L_OX.G^?]OP__T/4+H3]Q?2_V3M=/L?9U=(X1T8R^675;*JR4
M"@4"@4"@4"@4%(>TJ^X!N)[/4G?\9/5,OC+6/RQZK8L+_0K+_P!IMS_)R=6.
M$,LMH%`H%`H%`H%`H%`H%`H%`H*YKNK,7+KQ>C["7)^9[AD1937&]<8KVSVJ
MAMO.!PI#/;#!(KQQFQ-,[+9V*SBSF6E)XAH,A@..`0!\+EGECWU2<8GO:C*8
MBC@\*$?_`%F[D_B$[Z]9*FF++KR[1!PH1_\`6;N3^(3OKUDJ:8L:\NT0<*$?
M_6;N3^(3OKUDJ:8L:\NT0<*$?_6;N3^(3OKUDJ:8L:\NT0<*$?\`UF[D_B$[
MZ]9*FF+&O+M$'"A'_P!9NY/XA.^O62IIBQKR[1!PH1_]9NY/XA.^O62IIBQK
MR[1!PH1_]9NY/XA.^O62IIBQKR[1!PH1_P#6;N3^(3OKUDJ:8L:\NT0<*$?_
M`%F[D_B$[Z]9*FF+&O+M$'"A'_UF[D_B$[Z]9*FF+&O+M$'"A'_UF[D_B$[Z
M]9*FF+&O+M$'"A'_`-9NY/XA.^O62IIBQKR[1!PH1_\`6;N3^(3OKUDJ:8L:
M\NT0<*$?_6;N3^(3OKUDJ:8L:\NT0<*$?_6;N3^(3OKUDJ:8L:\NT0<*$?\`
MUF[D_B$[Z]9*FF+&O+M$):C",&=#S.*L1B%5DJWBJR[G'EDXW<\'\X5%POYX
M+S^>2\O/)_+SG>+C67&\7.?4#1I0/F1Q!S.7RN][W&UB*=T,S,S-92!1"@4"
M@4"@4"@4"@4"@4"@4&)/W_0KT_VFX_\`)SE)X2*G=FK]P#3OV>HQ_P",D:F/
MQAK+Y9=5WJK)0*!0*!0*!0*!0*!0:G/ZY_\`:=_G`K/[^#I_G_;\/__1]0NA
M/W%]+_9.UT^Q]G5TCA'1C+Y9=5LJK)0*!0*!0*!0*!0:ONUHV#AB+=.I\C.0
MI!0VF^Y@@N4DB,6XK>.`G'JJ`HEB`Z>A"8%!"ADV`;52V`@=Q,<@_&`[Y6M;
M/&]\Y3%);PB9RB8CA*UNK>Q$*;$1JGJT)R(A2,EM`@WVPY%%O>.BDDEPAH!`
MR*CF#)DH6!S/@%Q,,Q`\+YY!X"87R[EL\>[8F)CN9F)CC"RE5"@4"@4"@4"@
M4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@
M4%;]H]@X8UYC!379KD%#CE%=11;:;?5'#XX$04W*;;RH<*H@)DL4,A8*)HH3
M&$"#SOC<3`'.^/=MAEW),Q$=ZQ$SW1"I/9,;$0I*.H$`17'TB(3KD&(X&C).
MDIL)/CHQYF'[(X2;8DN"9E`R98T(=)#!X86$RR$N")?&U[897M,9BD-9Q,93
M,Q]6T:M,%`H%`H%`H%`H%`H%!J<_KG_VG?YP*S^_@Z?Y_P!OP__2]0NA/W%]
M+_9.UT^Q]G5TCA'1C+Y9=5LJK)00S)D]1]$SA:;1<Q:3%MUO=&=SC;;8BN#I
MMG-PFV\PSS.3'<O'$6%(]D!21$9$4I`12XAH\$6`R'400\,LLKWM:3,1Q:C&
M9X,+XKX_^K+<G\/;?7JVTU1==&7:8.*^/_JRW)_#VWUZMM-47-&7:8.*^/\`
MZLMR?P]M]>K;35%S1EVF#BOC_P"K+<G\/;?7JVTU1<T9=I@XKX_^K+<G\/;?
M7JVTU1<T9=I@XKX_^K+<G\/;?7JVTU1<T9=I@XKX_P#JRW)_#VWUZMM-47-&
M7:8:Q.UH:#*WBU/7F>S(=V^/S5'JB%($-W'T!WD3,E%P$@LRBTS1%94UV(D"
M11Z-\<8MA<R9+DL%'`F.8$Q#`OE;.4Q,<VL(RQRY=83IH-G$VF.JT7061B_;
MX5P)"39=D98*=GKOG?%P24X\0U!WJ5A[:V6R,E"Q[*Q`CGE\NR<3+X7_`/33
M&<8BB91EE,S^87'XKX_^K+<G\/;?7JVUK5%TT9=I@XKX_P#JRW)_#VWUZMM-
M47-&7:8.*^/_`*LMR?P]M]>K;35%S1EVF#BOC_ZLMR?P]M]>K;35%S1EVF#B
MOC_ZLMR?P]M]>K;35%S1EVF#BOC_`.K+<G\/;?7JVTU1<T9=I@XKX_\`JRW)
M_#VWUZMM-47-&7:8.*^/_JRW)_#VWUZMM-47-&7:89I&<]1]++A=C1;):3$1
MULA&:+C<C8E2#IM@QPE&\_#SQ3&BO$T6:X]C]26T9;4H_6BX9HB$9`Q'3A@\
M\L<K6M=$Q/!)QF.*9JK)0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0
M*!0*!08D_7RUHP8KTDI\JGF-E1XTW&^7@M>)**EYH:S21SB^X%3S<CE%!64/
M-Z2GC"^`*@#F!>\[T,//.^.-RQ%9I"$N*^/_`*LMR?P]M]>K;4U1=K1EVF#B
MOC_ZLMR?P]M]>K;35%S1EVF#BOC_`.K+<G\/;?7JVTU1<T9=I@XKX_\`JRW)
M_#VWUZMM-47-&7:8.*^/_JRW)_#VWUZMM-47-&7:8.*^/_JRW)_#VWUZMM-4
M7-&7:8.*^/\`ZLMR?P]M]>K;35%S1EVF%2=YC40[DZO2I`JO&.WQ=4<J'FH,
M5;-]GIOK?%M2*@WNJ,Q<N+AK5F."4#6`,`#U@NX(,G&#`/=[@MZDSC,47&,L
M9B?S"M/9%,EGZ.:K)[;?<-[?)LX26K"OB7\`-`]XE7))4.]S(-EE!K"1KN?3
M5`HTD+'&V>1<P.6NHFSF8(F88F.5YC,1'-<XRRRY=8;3.*^/_JRW)_#VWUZM
MM:U1=G1EVF#BOC_ZLMR?P]M]>K;35%S1EVF#BOC_`.K+<G\/;?7JVTU1<T9=
MI@XKX_\`JRW)_#VWUZMM-47-&7:8.*^/_JRW)_#VWUZMM-47-&7:8.*^/_JR
MW)_#VWUZMM-47-&7:8.*^/\`ZLMR?P]M]>K;35%S1EVF#BOC_P"K+<G\/;?7
MJVTU1<T9=IA\<]O(F*&T(JN-G9=G@.-V,UC)B[(.E>Y$=-#!TR$ZT9C,M+5W
ML^H&;S0;WI"[W"13BXZ@>*E[FC0>&0F/?6IJA-.2T%5DH%!J<_KG_P!IW^<"
ML_OX.G^?]OP__]/U"Z$_<7TO]D[73['V=72.$=&,OEEU6RJLE!"S?_[!X`]C
M;=C[;>SYK&?T=,>&76/RV55E2@4"@4"@4"@4"@4"@4"@4"@4&M5P?]@\_P#L
M;:3_`&V]H-6L/JF7#'K/X336W,H%`H.H7U]":B$M.AT+22VVRVTE17W$XE]1
M)HZ$@(2.3&45=:6E=1&+IZ6DI:>7$',F1Q`P0`0\L\\L<<;WL563CVT7YZ&I
MW2+A_P!<:E8O"Z<MLG'MHOST-3ND7#_KC2L7@TY;9./;1?GH:G=(N'_7&E8O
M!IRVR<>VB_/0U.Z1</\`KC2L7@TY;9./;1?GH:G=(N'_`%QI6+P:<MLG'MHO
MST-3ND7#_KC2L7@TY;9./;1?GH:G=(N'_7&E8O!IRVR<>VB_/0U.Z1</^N-*
MQ>#3EMDX]M%^>AJ=TBX?]<:5B\&G+;)Q[:+\]#4[I%P_ZXTK%X-.6V3CVT7Y
MZ&IW2+A_UQI6+P:<MLG'MHOST-3ND7#_`*XTK%X-.6V3CVT7YZ&IW2+A_P!<
M:5B\&G+;)Q[:+\]#4[I%P_ZXTK%X-.6V3CVT7YZ&IW2+A_UQI6+P:<MLG'MH
MOST-3ND7#_KC2L7@TY;9./;1?GH:G=(N'_7&E8O!IRVR<>VB_/0U.Z1</^N-
M*Q>#3EMDX]M%^>AJ=TBX?]<:5B\&G+;)Q[:+\]#4[I%P_P"N-*Q>#3EMDX]M
M%^>AJ=TBX?\`7&E8O!IRVR[9`W7TT=:ZBM=K[;:R.1S.163D!NMU`GJ*UA=7
MUU8.`IR0BHJ0G.LPH*BLJ*!@,`L6`#$&'&$QPPQRRRM:ZL7-.6V5G*K)0*!0
M*"IN^WW%]T/9.V+^Q]XU)X3T:Q^6/5MSKFV4"@4"@4"@4"@4"@4"@4"@4"@H
M[VAWW<D3VL>S[_CZUGI'&.I?I/HR&NKD4"@U.?US_P"T[_.!6?W\'3_/^WX?
M_]3U"Z$_<7TO]D[73['V=72.$=&,OEEU6RJLE!"S?_[!X`]C;=C[;>SYK&?T
M=,>&76/RV55E2@4$:RA*"+%B,DGU!+7G,N.EPE&>Q6.TRZ::=K\>!X@IJY9M
M-P);54%""-XHJ(>/F3*@?()J>G$3)LV9`+`"BX%B*OPR'TYEQ.6U!_1BX8A#
M1`@S>0[L<T=+"8>(9!&QS1LNHLUWN'Q+%'!*VR.7/!%`\/"XW!S'QL)D&/%V
M;0E&,Y!2R*VPI$8KW1514/(:8KM!W(#E2U%;3"@Q]21R)]&4#I0VJ)Y$N(,.
M7#SR&""#RSSQMCC>]B4?U?DZ-6I=+Q=,A,9M9+CCLST6R^[$!'NKNV^=@[-9
M+LHJ!:Z@X[B96Q\1"[\SW;]SO.[0HY1V06"G+N374'NT"#EP)*"CFW3KE1BJ
M[BGI(2*.JG\DD<[@?Q))@#D3LS`MP^\!P/EKYWM8<+O@ZQ&ER*7&W%]XMZ3H
M]76BU#J@G.ATHST;:HW&VH).`>:J07UPDI#IB.=3,!L+F`C`H>8-L[7SM;NV
MH4FSAAS;#(K)PDH*7(Q$CD7`V(&_PW\U<V2(&0RO@>$P=6*M="SP)98WL+>P
M_<#O;Y7<H.R7)3C%LLLM)#DD9AMZ.SI9-.DWZN.]OI++-DUC$/-(-EG2?4"Z
M&.65<!L+EA,![X#VRM?"^7=M0?O*3HUQ7FJU<I#8V+H?:2*O,=MY.Q`LO/)"
M!+7.C+351[J'G!PI(1/&XN1DH&,#B%;OKY=[^F@Z65Y1"C!.;&0#5<+Y<KZ=
MQ9BLIHMH=O$3RTXS*$X'.)B95W8N-QN(R6F-QK*!XT.8-XB7!*W"+!&3@A<J
M,',B:2DR7&&DOM*2EA!"/'G*BJ"$O63;JR&XF8Z%IENI%.#HJBKHA_))<[>-
ME\#9`V;('`P\1RPPH`@8F0X)'H%`H-:K@_[!Y_\`8VTG^VWM!JUA]4RX8]9_
M"::VYE`H%!4W?;[B^Z'LG;%_8^\:D\)Z-8_+'JVYUS;*!0*!0*!0*!0*!0*!
M0*!0*!0*!0*!04=[0[[N2)[6/9]_Q]:STCC'4OTGT9#75R*!0*!05-WV^XON
MA[)VQ?V/O&I/">C6/RQZMN=<VR@4"@4"@4"@4"@4"@4"@4"@4%'>T.^[DB>U
MCV??\?6L](XQU+])]&0UU<B@4&IS^N?_`&G?YP*S^_@Z?Y_V_#__U?4+H3]Q
M?2_V3M=/L?9U=(X1T8R^675;*JR4$+-__L'@#V-MV/MM[/FL9_1TQX9=8_+9
M565*!05VGMON^ZE#DGLMLFWT>AV1%!RKC%3#B437W*TG/'CVCQ:NT!%]01T#
MTM;X[L+*8.!PX6P-D29PF'GB.:"O8L?545PLQ_R6+LBH-%AST<CAP\)KQ`CF
M9G4[<L'TXV'L,_Y*V28$>L^6GNHD&FC/F*"Z*A8IP>"*SS]S()/&^)8(UD".
M%.]_)(8;_DEW/S9.,8@>3;6XS!UZ>,=-ASIR8SWM+[WAUR2C]):8E-U05RF+
M?,N6!9'56$EJBN(3\X&%G/PF-DU.)CF8M:=TRBE:UBD)I^B>3^#FPVG2)K@X
MFG*QC7MEP'(X@$W2S(SRE78Y#64F8HZDQ8(-&:'(_P`&Q0XDY%$D`)KA`K!B
M^.*7D&*V3LZM9EH>)M]F<&SS+M4YD5F2V&XHN`9#-K\J,-K:Q0!'X-UX_CD1
M*F</2E(<@(N!C`KA<SF:$P"Q#&QOE4KP9?,#0E1JOZ<'E%C,,V27/%6G3,!4
MFPWFDX5DHGM"9)\M*ZLS66OBX(J\\H^C-WIAM/!/%QP,LK%[`E5',O9.&$(;
MA*"I&/3&4?[\:4A.!#(;AO>7VN[IH2XA2WR*WE+1N+HG1WZH-F+D-J-UN&3C
MY(JR<4`\V%UH(+&PI\((P(+;&+/X9@WV`[XF78D?SDB1SNYI,.2M_0[MAF)*
M4Z5UDF9NV<-/>&952F@"H!C&4X&,$Q12\14G`RLII=TXA>+8E15#("I?O8JJ
MPHX7#L(_SKJPV4;#,E>4M;94CPK'3$UZ4F*23(E9D1^:&Q(;F<<8.J4(W/QW
M([(5%(R4LM$"%R:MG=%$$/&#X5HM>Y,>\L5"3*B,=BO5O2ZY]?E+%X"2<GP2
MI#ILD)CW*E$0S#3MM9).DG8H-AI+(*D=R`2;&Q[.`-'%-E#"8$>QQJ1YN5H^
M3GU.;S[29Z9JFQA&XH,]HQ2D`)[+0&@>B%KM`@E-AR$&@PG8[&XQWRX5((^8
M<2*5$!*)0MRI4KB(6!"&$BS1>:JR4"@UJN#_`+!Y_P#8VTG^VWM!JUA]4RX8
M]9_"::VYE`H%!4W?;[B^Z'LG;%_8^\:D\)Z-8_+'JVYUS;*"ALY;7*L/SW9L
M`H;@>C:0&!#R69CQF$&^,['O+.TDZ"QQ$X*4IN(^D$".#-;L5.M1/X"GR)3!
M/,YF3>5\0@,PHU$5AU\C[BR$@QG(9IJP@=O-;#GZ(M<U%CJKC0%AM%79-V$7
MFV4Z";@)*Z!@Z&R$0EY'N?+AYIZ@2$N8$'P!(`^/B"GV?P?M"(])OE-:1UN!
M%B(<M1U`#N/?2/&QARMV:I&<C:8A=L)<?EG",YW<WFA(SM)H"XLE<,`2YZPX
MA8(V4*F#(=2C]MO>=1=S:@]SM[7M^G`=G5@0G`**,YV46<#I;)1A/.0#\INT
M&ZD(C,:+[(K<3QBQW(\>4399<*WQ(6,YADQHM./>[=T;P-]K0P!+BJTDEN"D
M7M*\?NIKR)+L81I=/=$*NYR,=[)+5<[K6RK??1U17VN/@B6*"!!&PQ`_'1$T
M7PH052C+XHETQ,T\J:NU596M%"3K%"#W2DPT'F2#4'-/JX^W,%DLIV6>=R[@
M;#$8:0)WF7=N"&OY8VRROEEWHF*0BQDS"Y9)V+FE-,2A/C5:,92Z,SF(T6?!
MZ6/"CV;<>1>QUZ01GO.CM@%R("6J&Y2$<Z$*$`^D7,$--+@A^`."_*%.#E-+
MM"(\<MW^B%VWBYI!9JW$B`D,J()&C.70WNLS>K/=%8K<1G>B.5-:B.[4XU&J
MZ.XB*L9(!H*80NH"F!"0@8^0H[Y\[*3HT']!;'-P"F)YN0G&_P!5?.7TF-9:
M)H$01\QS!Y;=1)9-G&<735-.>CB;V!G(V7'*8$,C(>%Q#`Q7*PIQ?3'=Q#3D
MUFOAYQB\6/#\K(+V78BD5;4VSD8=P+(B]WS7WJVRRZEFOLG%YQ(P5EP(EC?A
M!_$DT4)4!2CMP2@HIS?U!VZ>;@/18WL=>'(W7M,#+491:+)><@,INKGT>(I1
MI#+&!X>XIU%%DTN,[,+V;9`T>L6*E\S"B=3\<P<1!3FEK9U\NMFQ<(EQRIV2
M)6E)SM:'HL4[%$]2'07?(:L"CCOD%)5B2DE+(44-2ZF[S10R7'`,D4`?#,,3
M&]\,A''DZV:G\^L'_$L!1<L)S9?$KI$C/19?BLE$UX5D13$]F2DO1PMUNFC!
M5.67N<=TIME-3L3@8R83\X#'3(!K`KB1-"\OL@G5:(7XRH]=<M2[.*S,AY<Q
M0,WLBPJF@,!*8#755UQKF8D5QA%.8J.J'3:8GB>-A*0N)XX5L%<$/(:]Q]%>
MW=MIDKO)O.QG$G)E'L5,C=F19&1L#Z0D#.H'6B3$>`"EA3)Q0Q2_1MPK8KF6
MT@087&QD!!"'OWE\L,<HM/NE>!]DW,[FTAITXL`:,),1->V5.,NAE3*><9K7
M*.K)<(`7*9%5M=5R)58464OCDBIK(0V"33,\1\O#6OC5288&1WX;)M%<[W-Q
M@\FU&,:P]&DPRZ^W4IMQ/!90<HQQE)"'&J8A)A];67?*I-/-I@!I.+8!$L15
M8MX,Z)D)AAF*<TEZ_P"UK?G-Z/:.KH))MO)EM!C2`9)(\A,*3D@9J2"IO)'2
M`##CCU:64@@[T128YL%73KYB`E[BEQ"AL\`+X;$3%%L*(H[VAWW<D3VL>S[_
M`(^M9Z1QCJ7Z3Z,AKJY%`H%`H*F[[?<7W0]D[8O['WC4GA/1K'Y8]6W.N;90
M*!0*!05OB[8$W(81YP+,<*<<1O997&X@R&[WFP,4UQ.!,D;Z,DI'+)">X#2T
M0.NIP8Y8I^!D(/(82X8'<\.,&'D6B27I,41QN`;-2)*<<,(L0-IA`\8>CX;+
M6`)'EHFJ**,2-BKBF1#+FU9/1#HY4/.]LQP28^>%LL0A+XDHQHA.344I`S:Q
M0^WAVD+%+,E-)D@NZDTPW%HB^'6M-=$*)PP8=TPR4/YIH(I4X$>$P-W-X!AA
M_P#IRS+1(#C?K%9Y1</NYZ--K$6PF)2TY3KC<:.B%&\C+A\^EHBLN&5,X5!2
M4Q84TLR6*CF,@PC`Y84,/++,/.UB(<7MO-9V[:(C!R<8L,)4YO%<8T:N!/D)
MF'6ZX5UMM]<7EO$HM!KOB!DHFB(F*:,(!F-X)74")/.V(QL*URTE*:;*<8K+
MW6(S1Y&8:M)#=)><7!'R:[V^>>Z$GVN2M<^L-0JH"KR82[JD7MX4<OAAW1P_
MT_+Q[I*39GE`H%`H%!1WM#ONY(GM8]GW_'UK/2.,=2_2?1D-=7(H%!J<_KG_
M`-IW^<"L_OX.G^?]OP__UO4+H3]Q?2_V3M=/L?9U=(X1T8R^675;*JR4$+-_
M_L'@#V-MV/MM[/FL9_1TQX9=8_+9565*!0*!01-,LH"14V$E4(-W)UN)TO1H
M1ZT4$18*MI,/.AZK(".E^?72?+FR;=1"MQ<QAQ_`&C0W@[%B18X?'*DQPPA=
MV1:46G(5:.P2O'47R?.#R56.V&DFR:F.!)S5$]"=;B*GB:Z[$B,UQ61E(JVP
M".`P:+@)BMJY$CX.^9C'.Y:694-L5`P":YUC.88XS268L%FZYU,!W(IH@CN0
MYD<#+-HR;+'!0,G(,*GCX63\,LSGA`LL+A]];N4*2QD;;37;!Z1$Q"TN1\I+
M<YIRXJ1IDG/9H&"CD*H9\ND963KW70S:B85%L80@2#*`F,QSI4P!W+"`"6L*
M39G3>F^&W:K/!";$IL!>5X_P/BO8@DNQ$.CM<!)-FTY8,+5@#N>)(LBJB>8*
M'1<[V#)G"PQ<:^`P0F&)*39T;0V6UX?V5PV9.,3N0QB=;R=D32G^V#)^QUW'
M<TYH%[I]E.QVV;O.AW#2?\/N*>7_`,:XO=M1:39*R:X4!9/.!,2%Q'55)IJA
M=#=2>FJ9(\>;2V;0T=SE4=P%"HXIA&5#+:<)!0#+F<0QLR)XN/;&X0P>>1'<
M4"@4"@4&M5P?]@\_^QMI/]MO:#5K#ZIEPQZS^$TUMS*!0*"IN^WW%]T/9.V+
M^Q]XU)X3T:Q^6/5MSKFV4%7SNL""J34'-:HYE,ZJEI;;LI$T;)/(8D`@6CK\
M\8-;+/''O<08VC(ZA(J\YPL\K6%P5SH?>=[B!;+,M>ZCHW/JL,HV5%AM2'FD
MO14V@3-GS*PY6D6=R`>7$9F)<:(S45VV"M-LZ=1D%@H2<`GC@J94R644PH:O
MEF$%F4$%77H>J*HT%.1R#.?C328_?SCF&0"A`_$2:JRBSY%FE7=3P<RJ@RK@
MZTXN*V2DCO`ZO%2)E"&4@1\[%\5.Q3'`'`5X).:FO;59SD@U;2#IH)-@"#G/
M!C(;OBI7%.P1G,+$6(BX-E:W?!*R6EP^4)%?!8X8AESQO'NWL+W+"O%652T$
M-%2CGP8DUJ#46I!B1_Q6^GDJ,!&=CR`SD.2)>EQPO6,5<RM)@$<.EQOB:E;)
M=SN75`U@B`0#OB`:(ECH<6JVL3PP@1&H22=0C0HX4A.=KK@9+,L"6+MI(9L2
MQS$;>:R58++.^2632H[P._I[VWCJ@9OCAACE;&U2J-5C55#6M<7UKT:=BGF6
M?SID5\+3J'24PWD;<\DS(O3>N8*;:,=^CK+3,NI?%)FD<>]RIY%OF2$OX,3*
M]"O?5@YG3A56##B>J_+G?S,<=\1/=D/9NQXDH;2C$_#*"O-]N-9KQZ>7'`.8
MCI2(/9R`'4XZLF#URSB.V+GRYGP)H(5Y,^7-?76]7M&[[?\`(+6<"@@1/-4,
M22BIT:'41N/5E34LQ^NK>#."%D177XZ4P#,8I!<40THN,$T2#%Q\$$8R"-`B
MJ'US190?T>)<6RM-JJ]&>QXL=4/1>4(L9);)E'0'FQ!XG77L^A@EE4+/:71(
MH559O@JI`%O)!<HMG\PTBPHUL\)1:VA-4R0*ZIG7VF06I";B9$K6?\72>5:I
M&,@QY')O")W4F/)"R;4J&WD(FMA)559&!!/>";0JK=.&-%RQ\MX?OPZE?NDI
MTQ>6=LHQ5(JHKBB$8E*/XX@M/(@7%)BOIYI*8U2#\NI""7-%%1K,<PXD@N$'
MA;$4LYC5\\OD86N*]TPZ*6H=-/\`6V._F>\C<<RO&>+E*LYX!(Q)S)!A`>@*
M0&\&0]6L<,)V3D9#E,MQ*.&"Q4^EGL%!()#@'`<@;V$$3]F".>"I6=*[&DC"
M32WD&86&U93CXVZF[$P]F<;9DNK$<K#A%;L>N227-BA/I%,14D72%914UTH5
MOD<Q,)YH`WD!@*\D7I.A#92H5D.'L9%<9SZ0]26QJDHNQ024U04<"25:7#KK
M?YLB?&-EE1<DEP2^<-+)?+(,,8,J`'B);.UQJ%>^O-SY?U!?4NEI0P%GK-E'
M9_@=J05.*JT([[Q04$AGB2<.0.1,,OOE=O%Q)4$EQ9!/E#?I&+D5S#N5,E#O
MACPXB:4[F?.'4EE.9@[`,,^LJ)8&>Y`1)(-JR:G(X9EGN!DM>*VM&V2&GJ)1
M41SY=CEH:0A@@3H`Y8V(7SQ&"R#$RPN*SW)9B9CN9DHJB`\E>/5]PJ"G8?)5
MCB+KQ.CV22Y(J63TX=!'>C^.G3H!K$R8$-"*-\<LS>6(8((>..-$2K04=[0[
M[N2)[6/9]_Q]:STCC'4OTGT9#75R*!0*!05-WV^XONA[)VQ?V/O&I/">C6/R
MQZMN=<VR@4"@4"@U81IK*<78TF2''5"$P14[9!2)V2L)O69$CYW1^5475)JX
M[F$[F<SD:>7BK)2\E*`J4MIV8C63,BHY"^`N0&>5PQ(U6E)?5MM+:U.;B(^W
MHT)"9CUG1_OE^;$(\!J,%N&1V@HHZ(SXR@=BIBU))Y29@$=9QLULQUXTBF!E
M0DX1PQ`#(94=2-7'<Q)FZU3VG1&8(*;"/8.8A"S/*DVZHO-AJ*NIN9D[4O>9
M,6/BMIJJ3;5UM39PQ((N=R\11;&C6&&8I;#`7$$5BJ4'./LLY'Q,<M,B(Y/C
M%(=#-U7C\@9Q,P:J309:C"?VP[CE!Q,=G.EQ.Q@)[I;^$D)N(!9P8F,#1"XP
MQ,`T=L"4L.Z/JQAC1C-#+/I\C*\:2TXRR5O4:F(!!<#EB9PRTJ1DY-(1M>0G
M0>P;SD0F4&;)R2X,A3I#$P"<*IX`XW>FLL+"F:G==W<"06_V[+B>7DNVP1C&
M.IVV+EQGG?%=6[0"I8RHK2R71W3BN-MII$_F51;9TIB8'$M0-C&"J]AG<:YD
M@7*G!8LSW=S9G59*!0*!04=[0[[N2)[6/9]_Q]:STCC'4OTGT9#75R*!0:G/
MZY_]IW^<"L_OX.G^?]OP_]?U"Z$_<7TO]D[73['V=72.$=&,OEEU6RJLE!"S
M?_[!X`]C;=C[;>SYK&?T=,>&76/RV55E2@4"@4$63."3/1ZM(RK#"I/R&X+!
M(:_&*4'&A@1;1S^5\#0IPG+3Q8K+.IQ.^..8P0RAB-?'Y008F>-L:+'54)`C
MJ:VRU=;%,>/WTY2<7[2O=Z$8[5)$9SNE-@P<ZH?GR,F>F.1\/%_%F\\EAFJ,
MDIXQL()PJ9DHC=TL7-*XY+$0V.[O[W+RC><8]@V,&.SV^]0`,)BE5;EM"A)>
MB="DDZRWD[)9>24*V5^25E!9Q+!7="^DF5H8LHDERP`PMRPUA_"VR'<QN$HC
MF:+@-<51<C9UK8J++NYP;P3,)!9+J=S*:.Q<_NN0H_?;S<3E=R(3=9=):>1/
M-PX))I56`CANV!0H>M@)E@)IWH48VIC_`"<!K\8R*1EI">$::H2+!R+($G29
M"@^M*\45T9J)[B\T8,`U:5$J/W]FQB!Y2Q<:"5N23P1<1L#!@,/,6+7OKS<I
M\N/&<7MMZZW&BM2$,(]U.ADPFOET/9B.@PR)-C^3I6F"+G:\EZ.5YS-LDB,Y
M^H11:2B%E015L6#N9,E2-SY8,0<*+VZ@M]T)\((3SD)$]'91FM36IUDQ$$$'
M'.MYS2B<NXB#&/F3()<8T-%;-%2FD&)D'A>Y9""MW+]SNWJ3Q6=HA0*!0*#6
MJX/^P>?_`&-M)_MM[0:M8?5,N&/6?PFFMN90*!05-WV^XONA[)VQ?V/O&I/"
M>C6/RQZK5>\7[/CGVZ;=)Z$O7BN;I2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CG
MVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[
M/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>
M\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2
M;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7
MBA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z
M$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2>\7[/CGVZ;
M=)Z$O7BA2;2>\7[/CGVZ;=)Z$O7BA2;2J?N=NEIU+,0LV/HKVRUHDQ^K^V.A
M7F%D1].\6O-WK?FK>?71;5/-#:;CJ4EE2\VHR:8-F/`@Y^!*EQ!<^YAAEE9'
M&.I2>_N^D^BW%=7$H%`H%!4W?;[B^Z'LG;%_8^\:D\)Z-8_+'JVYUS;*!0*!
M0*!0*!0*!0*!0*!0*!04=[0[[N2)[6/9]_Q]:STCC'4OTGT9#75R*!0:G/ZY
M_P#:=_G`K/[^#I_G_;\/_]#U"Z$_<7TO]D[73['V=72.$=&,OEEU6RJLE!"S
M?_[!X`]C;=C[;>SYK&?T=,>&76/RV55E2@4"@4"@4"@4'R'`!,@C%C((1@N8
M"$`'`'#P%!'!%PN&*",$);+`0(3#*]LL;VO:]K]R]!B1..8]3F^`TT]B,TBU
M2J@`K%FR3:Z(5;Y=5+'0U(LI`(P!'!.!4"ZB#@8P&Q#L)@/C;.U[96M>@S*@
M4"@4"@4&M5P?]@\_^QMI/]MO:#5K#ZIEPQZS^$TUMS*!0*!0*!0*!0*!0*!0
M*!0*!0*!0*!0*!0*!0*!0*!0*!0*"IN^WW%]T/9.V+^Q]XU)X3T:Q^6/5MSK
MFV4"@4"@4"@4"@4"@4"@4"@4"@H[VAWW<D3VL>S[_CZUGI'&.I?I/HR&NKD4
M"@U.?US_`.T[_.!6?W\'3_/^WX?_T?4+H3]Q?2_V3M=/L?9U=(X1T8R^675;
M*JR4%97XM2#&6TD)S<V8*DR<6H@0#LU%;D3XK7822G"@.&3)$U+=S1.'"DUR
M_#R:=1CJ;#RU@((1-FQP!\`;9@VQ%MG;.43-*0WC,4F)E,/&Y('P_=R>5.A7
M7@K-)LU7'=ZG&Y('P_=R>5.A77@I2;%<=WJ<;D@?#]W)Y4Z%=>"E)L5QW>IQ
MN2!\/W<GE3H5UX*4FQ7'=ZG&Y('P_=R>5.A77@I2;%<=WJ<;D@?#]W)Y4Z%=
M>"E)L5QW>IQN2!\/W<GE3H5UX*4FQ7'=ZL"E'M*Q(6CQX2M*&D.WS1C]A(9Q
MQ.MQ'7'HN:!3$HCC:XHF!%,W7/*BD;&SRQ"+E2@`YHT/G@$"&(+GAA=28[Z$
M4F:1EW^+)T#?IT.E"17,W=#]OEEON-)3EU"5R#NT)'(JJ,KDP5!,4B0^.\/>
MC%#Q(Q@*'G;]&6&5KTI-CNW>OL[;C<D#X?NY/*G0KKP4I-BN.[U.-R0/A^[D
M\J="NO!2DV*X[O4XW)`^'[N3RIT*Z\%*38KCN]3C<D#X?NY/*G0KKP4I-BN.
M[U.-R0/A^[D\J="NO!2DV*X[O4XW)`^'[N3RIT*Z\%*38KCN]3C<D#X?NY/*
MG0KKP4I-BN.[U.-R0/A^[D\J="NO!2DV*X[O5#S#6I!DW:2;)N<T%29!S47X
M!UEBMMI\J+L)*KA7W#&<B;:.YW'"92%)?F%-)(Q)-F%%P#$/&R@XX^8UL`;X
MA7SOK&)BM89RF*1$2LU6F"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4
M"@4"@4"@KUMPQG3)^J.SD:L9+\^/60]>IH8S/1?'4Y-\[NEVQNY4!OI?G%8-
MIZ2G^<%90!"\.:'`+A=_WP@F&%LLK)X2UC-,HF;I,XW)`^'[N3RIT*Z\%<Z3
M9NN.[U.-R0/A^[D\J="NO!2DV*X[O4XW)`^'[N3RIT*Z\%*38KCN]3C<D#X?
MNY/*G0KKP4I-BN.[U.-R0/A^[D\J="NO!2DV*X[O4XW)`^'[N3RIT*Z\%*38
MKCN]3C<D#X?NY/*G0KKP4I-BN.[U.-R0/A^[D\J="NO!2DV*X[O4XW)`^'[N
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MHU0UF6]C74.ZV\C&?,$?@!*+:;!1"/J0"JO$[*%QE8S@`!E>QE.(V#OEEX3&
MV<ZT[N#K_P"<XQEW\5H.R-8VT\2ZC-F']IFH51%2/#7B,7+91VMQUV7HK5BP
M:PWR!S-"4U`4@=:9@T.1##'L':R=B4PP[MPQ.XQK$=[.>F<JXMH=:8*!0*!0
M*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0
M*!0*!0*"L.Y8<^G-9I<1-8$#!?G%TM8XTF+<1QHS4P;QMS=ZC*#PP6UP\0)E
MCS42#9@\2QMEGD(>!!QOC?"^=\9-:33BUC2L5X-$O8$P7N'`#BG%'>R$WK:_
M*;W?L=NX@&\4H^N,C8*%E_-H+1Q/3">9DL?25+`J:3#8Y443`UD`2&QSN$!?
MOLX1,5LZ?^LXS2[T\5MQ*!0*!0*!0*!0*!0:G/ZY_P#:=_G`K/[^#I_G_;\/
M_]/U"Z$_<7TO]D[73['V=72.$=&,OEEU6RJLE`H%`H%`H%`H%!2'M*ON`;B>
MSU)W_&3U3+XRUC\L>JV+"_T*R_\`:;<_R<G5CA#++:!0*!0*!0*!0*!0*!0*
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MV+E2%4YP);67W@_U9O\`I`DL``Z.4%65'P)@<3'$;+"V/<U$UBK.41$TA/-5
MDH%`H%`H%`H%`H%`H%`H%`H%!KJ[.`\5-M7;LN7%\(,E]HKNT1/8=X)AX`T)
M,RLI8!=]GACB+W22B#GWV%\L?E]SN]];*UIC]>K>?Z](;%:K!0*!0*!0*!0*
M!0*#4Y_7/_M._P`X%9_?P=/\_P"WX?_4]0NA/W%]+_9.UT^Q]G5TCA'1C+Y9
M=5LJK)0*!0*!0*!0*!04A[2K[@&XGL]2=_QD]4R^,M8_+'JMBPO]"LO_`&FW
M/\G)U8X0RRV@4"@4"@4"@4"@4"@4"@4"@P;2/]8':!>V2UOX"M'ZYSQEUCXX
M]OJOU4"@K++LU91+*3?S<*CF4BU(UEVCFI^@E4P,^H7RA=Q:ZW(J)*^`62AG
MFG-U\K=O%0<K8FLQL.^QRR##OB5!:OM2[F-*+B7)GCUY12S61J^Y92/M(1P,
MIS%'(I#R"U$AO$$=9(K1)$M(0%QLTLT3-&2R>5-J`/>GABPMC=A1WB1O.D+0
MZ8U4F.3+IE%8D)L,`DS8]DB-WXB?_N\?RE(;:=1M]HRY9()-TNG0^NE5;$4'
M%13S*>-F$5-E;E3)L4<MV;52*`FQ5DT(6/''*M["F8+E=IGG.T\C#,4DIOK"
M\.&B+HJ^DI:T$OD2Q4^G'K896\VBWQ,E2QS.P((IS8:\)9>+S?&M+59R-*:H
MR'-LYL0A/9=+2"WV.JY&81>4RM:Z$I&4!30EE0CAON-L65@$\'`01514HH14
M+',A3A4V+K%1ILLUI2/1$E(+<<Y15E&+WA)ZHFJA<F"9B\-BKS39SC9T@>`-
MF`4]Z%7RYQTC`H#F-@.91%/((3,,GGE<4XI2E.14&(HV?4H.?QC)!8+57'6I
M%R6.`JBH!(J>.=P24@MGGAXZMK`X6)4D6QOX0R;&#"PM?//&UR1%9HIS'^R<
MBQ9&<TDMG0RCAER"16"XW)FURZ(W$968\W`)YUI.>YHR;*-]LQVQ'H*XVPH+
MQX;`N42V2<5CPF5L1A<HU3A1)HFRCH!<\6L#.+4GT\DE`5WF`0^EMJ!MDTT$
M95(DC!F/W29(%\I.<>:6I`J-T\B2!#*$LL1#ADKB,5R,5*,#!W]C01XK:"&@
MG51&*K,RM1L&FL[&*[7Z\G?!*"_'(]4I,B!#<!E]%D]838Q7;-\X(#>RJ(1Q
M[\,L&<3Q#@H[N^W"M=I1<O`1PV#9^;G.*A128)3@Q3\<.$I@@"KY<8W*I`L:
M0`W"J8E1RA%'3058T?-@B7+Y"E@3)D`4XKG$AAS!,H8-%,R!H<L`,9(""@CB
M$AQ0L,QB@@Y;,0N-F6$ROA?,/++#*^/=QO>W<O1')H%`H-4FJ'ZOY-]LGM"?
MX]=DJZ8\(9S^7V]%FJK!0*!0*!0*!0*!0*!0*!0*!0*#7/V=:<63"^\!8K;.
MP0O:+[3J.5L\[YY>,JZDUE8Y>U[]SN89&SN=\;?_`$X]RW_\5,?KU;R_7HV,
M56"@4"@4"@4"@4"@4&IS^N?_`&G?YP*S^_@Z?Y_V_#__U?4+H3]Q?2_V3M=/
ML?9U=(X1T8R^675;*JR4"@4"@4"@4"@4%(>TJ^X!N)[/4G?\9/5,OC+6/RQZ
MK8L+_0K+_P!IMS_)R=6.$,LMH%`H%`H%`H%`H%`H%`H%`H,&TC_6!V@7MDM;
M^`K1^N<\9=8^./;ZK]5`H(+EB`VO,:J.:=2BK!)2C!<ZP&KI27F`5$.->>S,
M8B.11`41`AQ"2LEEHT"#*WL'F'W3>>6>-[X8VN$**FHCJD8=[J$XSFH/=3=<
M-&872A69'R!'J>TR.+B2W:F2*G):FIO\(Y*03D2"QPV9&S\Q#BE"V("24"#%
M"'+6T)$:\".(,[&JT_G@R%9=C"33<AI(T:1*%%:0KX#P_)<1AIJ^E#O5]F#9
M[Q63S9\4V$;`"N."&&$5`#OG:X<=UZXG3Y%:-LM^X-EY&9]);!("VOM3%VH"
M2X@&XG,\ZA*C9)N%IG%Q#/-P`R':X:F1,!&#&(MA+V"\'F(F[OVUKXC-I18:
MB`X5,SFPY8V!E@H&*5*X8GU#8%TR2Z%A),WPOW0R3>'DD<(MGC\L7`MA?/\`
M3EE1%8HR@V6V^E;D2G%Y-6BV3]@G?D5A%&D\=$6,(?:66)E85'..W$\ZZ$$(
MXKSG)3_?UDL0<>QZZJ4+',0;VR`!C58FD2N#,L--V<FV@,9\YA*;"+/1LNIZ
MLY124I81I(3FB.,N(S0<Y12+#E<F]F]":6IG`L0LL3H:=<F)C<N8&M52M$3A
MZB,)@/6TD:UH\:Z].X9A+S#7"+6B-M68#X*J+B:CD0%"0&BU3;".N$VS1T`\
M63\PE,D,$3<"CAB+CF*&($*H],:7N(S%P,/WE!D$V6M.Y9?3P+ID%)A`TVG4
MKN?-SAJ^MF&#ZS1X#/(1T7,1--CDW2H$3V>:@$9LH9YF<HM?K1)4?ZY.6,%]
MU7:#]9H3+55R3W>UB2K#J:>D=G.B3UE?<ILH%)!5VII!88;<<#E-9IR8(@A*
M&!+P9,52$`#M:]2O)A'">_LFS*J4-(\,FE"=7"(JRPC'-9"A^'U4GF@DD'(R
M@10?E@U<![G<2(9D^LKRPY`U$R&%8P3S````"%4Z0LRY)8F3M;;O=HKE8;<M
M'K.AC%3%+J;N$9C1BYGI2^ZI"<.)$F;5WN[Y#\\"&+99"@XDRY4;"X8A@<$,
M2G.B%`H-4FJ'ZOY-]LGM"?X]=DJZ8\(9S^7V]%FJK!0*!0*!0*!0*!0*!0*!
M0*!0*#6YV=)E0$5.T&)'PLP+)7:1;!EB(8@&0`GF\^T(C<!<7*V=K9"X&<EG
M(4//N=S,+/"]N[CW+WF/[=6\OUZ-D=5@H%`H%`H%`H%`H%!J<_KG_P!IW^<"
ML_OX.G^?]OP__];U"Z$_<7TO]D[73['V=72.$=&,OEEU6RJLE`H%`H%`H%`H
M%!2'M*ON`;B>SU)W_&3U3+XRUC\L>JV+"_T*R_\`:;<_R<G5CA#++:!0*!0*
M!0*!0*!0*!0*!0*#!M(_U@=H%[9+6_@*T?KG/&76/CCV^JZ;V/&TMF.Y2(#9
M%SR<V%\\2,8XX99`&RB4;,%QL<1,<P\L@A@[96ME:]K]S]-KU!KIAK8:6C&G
MA9#<[CP<6U(!EEPXWG"I$DL$=UNJ9$-ON*&Y6/(R<22D]53TV-GJ47W-X@5!
M*V,M]=!!MCXF)B'&J=_)BB1V@I>*(4UY*OI9CEW2$+IC!VPLIJ<JSFQX:>SW
M*O)JG`<_HL:IELF"$E2:ZUIDKHWFZWHTBA&O%@<CQ>QO"P0IZK)2%N&DL"76
MA'V5X=741U.R*VEF72YK.9SBC#3`IM]O,]94X1M%XI1/0S*ZY2^7A#KF)CC)
M88YP`$6X.1>JE'PC';I7?#02GJML9BHY1>DV,(P`:C:EM3=DCL-Q2`K8)RPW
M)Q9RM%3(^BV0&-@>)W.H>!M7RS&$&PL8P""!',BC(GOLTY$EW#1\PHM*/%XB
M[*EM<$O%??OH8V/'1=2N+$R]5]<*,]X*B2B%43#-&\7*IBD:$.7#%M;P>>6(
M8IS8.F[VLQ4G3Z)BF46#I>4NK,(!X%IT;)J<\'F@8J*<J+9W7L)#NL$8\`>*
M092/.&2Q=3[N.!^Z99,S\<Q%%\Z(U2ZS[.2]EI"GCR"O`OO:,HTXH2V@KKA1
M,3L)/<>S#=;:_KTZE%*1B2.4"0`C[YP17`<+%P@,3+46S6..`(&5L(U,=_)V
MI?<%S07JE"#T?#BBR2G>:A]5=;J'E>:2D32E(F3*)X75U1C,QLQ&[DQWK:CW
MEO&OT(*63-F2^&8H88U\@12LII7=LG<34I46D&'TQ6B"$W2P45_OQ5DL5"<Q
MI)>T;QG)AQ68K`+1^O`.!0:*%)I7(Z245E$Q&PPM<J8'%SR`"J4B[L'OMN28
MT_-R&S@<.JY!P/EJL$7!OS:94YH;BJ\6^6440ZZ88#C+%-0DPPKFL`K>&=-C
M(B:)@?"!$QOF!@*=U6/-3<-U*%HE=[SA]':<+3DR'C);!D!-E`PXW*E,AML`
M>44@Q)+`-QRV0FNX70R,,309)+6%\$F*$8!'-8YA`^,BG%V>L^YS?V(='HJ7
M"BS!04X_M)R"%%<[MB<#*0W@E-%3%!!ED%M(:,7C:0"(KH3KXD`AEE-.WN;L
M443'B(]Z$Q1!.S4Y.TKM2SX>93[DA%.K7T4-%DJ[:+D$:#X_FA0774^7<A;%
M/)=1/-2^IR/#A9)":[1)FE!3.B>%QQ+I@ZDF*=XM.ZK94S'@W)!:C>?#04?/
M#6=:2276\K6*'B(:HCJ(.)E/40"RD5)G<2QTMGB(%EF%CX0/+'/'NXY6O>LL
MFH-4FJ'ZOY-]LGM"?X]=DJZ8\(9S^7V]%FJK!0*!0*!0*!0*!0*!0*!0*!0*
M#7?H48`R>_:)E<1@<C(/:"2&8&+XB87'"`,P=KX&7&$!MEX3`$P(4%QPRO:U
ML[AYVM>]\;]R1^W5O+]>C8A58*!0*!0*!0*!0*!0:G/ZY_\`:=_G`K/[^#I_
MG_;\/__7]0NA/W%]+_9.UT^Q]G5TCA'1C+Y9=5LJK)0*!0*!0*!0*!04A[2K
M[@&XGL]2=_QD]4R^,M8_+'JQIE]I!H029S3)F]OM?BYHHVD(L9+C28VL!0#`
M"65"&!%PR/6RP$"$POCE:_Z;7M35%S3EMEDOO*M`.>)KU^TYL^74U8W-.6V3
MWE6@'/$UZ_:<V?+J:L;FG+;)[RK0#GB:]?M.;/EU-6-S3EMD]Y5H!SQ->OVG
M-GRZFK&YIRVR>\JT`YXFO7[3FSY=35C<TY;9/>5:`<\37K]IS9\NIJQN:<ML
MGO*M`.>)KU^TYL^74U8W-.6V3WE6@'/$UZ_:<V?+J:L;FG+;)[RK0#GB:]?M
M.;/EU-6-S3EMD]Y5H!SQ->OVG-GRZFK&YIRVR>\JT`YXFO7[3FSY=35C<TY;
M9/>5:`<\37K]IS9\NIJQN:<MLGO*M`.>)KU^TYL^74U8W-.6V3WE6@'/$UZ_
M:<V?+J:L;FG+;*AD@=O7J;&&S!^(%TP"\X:&0VRHHNP\1K1604$@JJQ;/)92
M70V4P+SC8HB#!=W(REBJ!N_A,</$?T7$O-<5Y-1_YY3%?JVM]FI*,>32)N]*
M$4O!#?L?N[;YN'6ZZVZ<Q/)2F"5T7TH3#V`8MK8Y@FTU4(CE#1<7'`<J:`$!
M%PP%#SPMF>^9HM)B,8GC_P#+9(M)1==1U9$-YC!E%E,/I1H0MEA@8#+J!44H
M-F!F*&,'B-B&->^-\L,L;9=SNVO;]%00`B:L1FA2%$TE%C#G,KT.QDF1BW2I
MU3("HJH7;R*L-EIO%P)X22!D.^FDV'BYDTB<*"$B_B3K4\!RXW=)W)EK/?#'
MDG5(LR0HYQBB89/C4TPX;CJ`E(\GEHX<HKZCB*PE+!CYN,F\&$N)!5Y-T5=4
MQ2RBGEB8%\E4UB8*&`_%\"XKR?I6U.2U9QJ9V\L2@GLA4FEF[`F8T3+L(%!&
MDIF/!I/DM<XO&6,;>JBTE%Q,PH8&3!U(2X0@@F)<<$$,D"3%75&-0\5DR[7&
M[IND]T2,OX1*&AR*(CQ0@*S1O"+O6GRQ#95$;$<H[3<2AFON$W=2R5B)T`<J
M/F7*@D@L\\<A7DR9CZMH347@7@N2-)#_`'IG/9O8U37W.9:)8(\^SFN.6K_F
M8LBMQHHB8CL-/CGO1"A`MA@:P4@\1QC8_?#8"BK)6E"*@Q9`6W,UI8?B<PG&
M['(_%>&AD]A*#,N['<5-Y.,PEK1YG#/Q%1EES'17"8)%E7"V2Z((+B)@5&')
MBBK,(=;T@-:-FLC2H[P7U(H98X>>#D)E\"R8.MK*H>6C26AAXDT\3)NMRZA9
M-3<Q0`C`I`H#F-AB+EG:B2B5L:AQ6U5[7EQ$3;N-'M;8U18R9X9]53<R3E(-
M5GJ;%93D?A4HBD\%EU,EN.EQ!)@I7Q$H!FZ%(3,L)GD4N4+7C##5321M"(A]
ML->7I=8R"Y822]?GT$WQ8[,*[ICQ".R4HHU@%M>CY7--1R%34L+.`B@E8E<Q
M`!L+6PP'`+F`A5*8FMC&$94P,/)5=EDB:U-$5749L>1_.2>808OC.)B>#?&N
MA7*E01&Y%2<,)8R";RN=&,9XWQ"S"!!(Q&^IR7DY"Q[Z6)0`9*=-@NP29&12
M["`;X<C'W2IO58LIKMV,*^%QJGW0KF#@:<:4\_%!!>\!%Q``)`E"UY("C/65
MUFI8CS!>1)@08-A)I28RVJQI=>L+.!L%T-WH!=BH[*BU(B(H9<ZVPBS1%&PR
M57\IB.(B7(DRA8#O3:B+C%K'BN)#42N")$D%MG9DD*36RC(R2W&@F/PDPLCK
M>144.Y8AB;<;99S><#I5L"&(180ZHF!Q1PP,1!K"&<AC`M919*NG[?E8S*J>
M?DZ1V_'D[J*&LS#&Z("P!DISK#?;#19A560',O,=9?<?*A]L,1(+#FT93*FR
M8J<`>214M4L(?$+$T^BP47,$E%4<,:,TQ965]*8+616@D*SA#;X*T:2&\0!2
MTG%0#:J"V&_88LG%@@O_`&I`J'?$.U[X=]>][DGO9Y0>6EW]K1J?HZRIB9CP
M7E&0IJ(;?;_#VAN/P@CK@3LE/>38E421'DM&\P&^RRAT@>+&;8&1LU',D8#,
M`$QP\L;WU&41',G#+++EW>BP6L_:Y:C2]![#DB6IQ@R$I!=)59.."*UB44<1
M49MR[D64]+33XREBE'3!H9%)EC&8F94O82XW?8AX8WQQM8RBG?+,X91,Q$3*
M=?>5:`<\37K]IS9\NJZL;IIRVR>\JT`YXFO7[3FSY=35C<TY;9/>5:`<\37K
M]IS9\NIJQN:<MLGO*M`.>)KU^TYL^74U8W-.6V3WE6@'/$UZ_:<V?+J:L;FG
M+;)[RK0#GB:]?M.;/EU-6-S3EMD]Y5H!SQ->OVG-GRZFK&YIRVR>\JT`YXFO
M7[3FSY=35C<TY;9/>5:`<\37K]IS9\NIJQN:<MLGO*M`.>)KU^TYL^74U8W-
M.6V3WE6@'/$UZ_:<V?+J:L;FG+;)[RK0#GB:]?M.;/EU-6-S3EMD]Y5H!SQ-
M>OVG-GRZFK&YIRVR>\JT`YXFO7[3FSY=35C<TY;9/>5:`<\37K]IS9\NIJQN
M:<MLGO*M`.>)KU^TYL^74U8W-.6V4']F\[F(_I([0]ZQD\$5^L9T[?!+J"[6
MX?*JB(K!J,'Q.9.W3E`EF(6-`$E/,8MWV.5_E`WM?]-KU,>.2Y5_YK'?1M.K
M3!0*!0*!0*!0*!0*#4Y_7/\`[3O\X%9_?P=/\_[?A__0]1.D@623K2P&(-CX
M(W#AY^P&>)WOG;(@9@.179#MR7@L\KY``A`LK"X&%K8AV+Y!W#QQ"OA:NF/"
M&,OE*UU5DH%`H%`H%`H%`H/B8+@&P!BIH$$R6,@B%S!<P'@,`8`&PR#&!&!$
MQR#%!%#ROCECE:]LK7O:]NY08QZ!,7YEM/DXC^1TI%@]`F+\RVGR<1_(Z4BP
M>@3%^9;3Y.(_D=*18/0)B_,MI\G$?R.E(L'H$Q?F6T^3B/Y'2D6#T"8OS+:?
M)Q'\CI2+!Z!,7YEM/DXC^1TI%@]`F+\RVGR<1_(Z4BP>@3%^9;3Y.(_D=*18
M/0)B_,MI\G$?R.E(L'H$Q?F6T^3B/Y'2D6#T"8OS+:?)Q'\CI2+!Z!,7YEM/
MDXC^1TI%@]`F+\RVGR<1_(Z4BP>@3%^9;3Y.(_D=*18:_9([)_4::-G%#9R8
M&B._E3)":Z$AQD<R+)46I=FR6$!P5%-O(X!,PZ3YT82^0@1XQFG98=S#,J)?
MY=9TQ,U;C/*(TPO!H*@(36=&^#=;**DMQOHVWS1()"$A)Q-(1DHB!H3H]B`2
M34Q/!+DB)0'']&`86&.&-O\`Q:LSQEKZ8]OK+8A4"@4"@4"@TE0'-"W'IEL2
M`[B>Q2"GHNK\^3Y(2Q+DY.&56UL"WXU.H^2I:&F&?EB3T1BG6H>64\\,8'*M
M%3!)'BY().-%S!K-.C7NGPGN)/A-IN(T?B8)>=V9B`P&K94B#937UA%'3,DX
M,V'E>*E1USBQ$T=UGFKZ8ESA1RIA8O93"N+F.A)V)?'$T*0DQ0GV<&F^SD`.
M`E%CEF1PK$3`QP]4%(=C9CO-!E%%GER*A]X,I3=#D<)94CE!UH=9CQ8HOYA.
M++S<'B.E9FA[%*G<XBU/T^)+O;$$8D8G'EY8FM'CDY(N:&[`8XLP'+KW,TUH
MTE%8VQ>0[E"7"ZS#QU"&;>;H$Q$OAB;LJ!!F,<"X[N*38%<DQKTO;<IC^<#1
M5F0R)S3&M'2:CI"L26D!&.P+!+Y+)ILZ;4S1,V4RP>0A@QW`;"9*I@UGAE@6
MR!`"%EJZ(4"@4"@4'GN*Z,ZO;DQ#)R1/45H;E5"^WW:%E$1])^%T&16UC??7
M97,*R&\TNP"P&4!'S\+<B/F83AA+6\,7%M^BMQ$3CWI.4XY=TV]%KM9]2HNU
MD@]AP6WR0#R1(^*K)!+<CQ0VZ:<ZB24W(LN`#ST:))90H:.D\%;P%Q0P0<!+
M!6RL'AW>]M8B(BC,SJF9E.OH$Q?F6T^3B/Y'5I%F3T"8OS+:?)Q'\CI2+!Z!
M,7YEM/DXC^1TI%@]`F+\RVGR<1_(Z4BP>@3%^9;3Y.(_D=*18/0)B_,MI\G$
M?R.E(L'H$Q?F6T^3B/Y'2D6#T"8OS+:?)Q'\CI2+!Z!,7YEM/DXC^1TI%@]`
MF+\RVGR<1_(Z4BP>@3%^9;3Y.(_D=*18/0)B_,MI\G$?R.E(L'H$Q?F6T^3B
M/Y'2D6#T"8OS+:?)Q'\CI2+!Z!,7YEM/DXC^1TI%@]`F+\RVGR<1_(Z4BP[Q
M-2$E%`S*HZ8G))80;(P(73218@!F/E@&'D-F"5""#R&R#"QQOE>W=O;&UN[W
M+6H.QH%`H%`H%`H%`H%`H-4GBHGO+/IU[S_\1Y\X!O._?"^#\Y\.W&)YF\:[
M_P`'XEX[\GP/?>`\X_)\'XS\JL5_[=*?\>?X?__1]4::1RA?<>>(G/Y9%FQL
M&7)[41#<406Y459"3V['&P[03KB@A!AF4)U):$Z!@<,Q;B9/042W>XAYXX:Q
MGZ)E'=$K*5MS*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!08-I'^L#M`
MO;):W\!6C]<YXRZQ\<>WU7ZJ!0*!0*!00<)KG$@Z%&#;,-O,RCQ#FX+,PF94
MU$<,,BZV4Z8^<J(N6%,Y6<J`MMAX'`S!$_8P6R,8ES/>6,%2PH1:\4,OS3M-
M6(64(507M("^U%9Z:\"71Y)DQUJP38C.(9G93X76PT'*5"&>))8-LQ$.E"B@
M9.&%8T<Q)V,J.&(6(X(KWU9\#JE&V:6Y@5E9D=SNIT*[,7#,FN!^+)F2$D_&
MXQPQ'>+8<9/(B&V4YG#*9W(`D2+@DS>:DH9G@C>:DH9&15D;4UVCQK&D-9SS
M<[G=B+(YN617J[7(H+#G7'Z;C)>ASSPMF<<BI`8H3C=QF$PJG`%BZ84#MAF"
M7P%Q[^XJRQ`BU`;$BOJ2$91<A4_(]DHT[6Y=9$'9Y]Q(Z(A-<L\0D08(2Y)S
MBM1K)B8*,"+@"(4(!=T+PG?B9D250*!0*!0*#5)JA^K^3?;)[0G^/79*NF/"
M&<_E]O19JJP4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4&'2$_&O%K
M$>,D/92#1V@Q&TM.URJ8EN^L314%/'4E`7`*U[9CC^+E\K!A8]W,42^.&-KY
M96M3@O'N5MX:Y0]W/Z0>83_%1Z;\>_HQX8?SO]-7IY]-?T)^%\6[O^@/_P#+
M_P#[7>^(?_W\NN5>^KKW</IP?__2]H&X4%.28&(W75%PA`C/T&.C"482/*9C
M$@DK#@*IA]&<L9ND_8(44NR9;9JF=0E'.W_PA#1=0PM<<B!W',Y3P1##4NMF
M;6*1>S;"4$L;$V?0':SU\#`@[XZ?2"/XB[8]?"/8001%=S35<,RYL#*]\<NY
MB,#D(7%!%SZQ-8JYS$Q-)2K1"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4"@4
M"@K9E`K[17S*CUBW;+86%P)B>2/(+Q9K&;^J[@:UW>CQC'D1XJZ6-+^LTHN\
MCX\T(N2,1R]U80KXP$(*&&'X7*U2<8F:U;C*D1%(=E]&6QOQ#-L>0&@O4BJ:
M(O)K_C'G[GT9;&_$,VQY`:"]2*FB+R:_XQY^Y]&6QOQ#-L>0&@O4BIHB\FO^
M,>?N?1EL;\0S;'D!H+U(J:(O)K_C'G[GT9;&_$,VQY`:"]2*FB+R:_XQY^Y]
M&6QOQ#-L>0&@O4BIHB\FO^,>?N?1EL;\0S;'D!H+U(J:(O)K_C'G[GT9;&_$
M,VQY`:"]2*FB+R:_XQY^Y]&6QOQ#-L>0&@O4BIHB\FO^,>?N?1EL;\0S;'D!
MH+U(J:(O)K_C'G[GT9;&_$,VQY`:"]2*FB+R:_XQY^Y]&6QOQ#-L>0&@O4BI
MHB\FO^,>?N?1EL;\0S;'D!H+U(J:(O)K_C'G[GT9;&_$,VQY`:"]2*FB+R:_
MXQY^Y]&6QOQ#-L>0&@O4BIHB\FO^,>?N?1EL;\0S;'D!H+U(J:(O)K_C'G[G
MT9;&_$,VQY`:"]2*FB+R:_XQY^[+H;BLI#3&LRBKL=C[',O*4)!77D^;-3!T
MN1WR_)SPEQ[*ZH"QFJQV@4\;=[X/9`%TY)(E2Y?P86`?R.[?412*,S-9JE.B
M%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%!52Z4'N%.Y2'TH.ZEKWK
MP\V^[]BW"%\I$?DN-<R2=$:ZZ)QKN9EE@NUUT$DYWO@'WP9;$FF)`]\O'SX`
M.,I^CIC%(K/%MLK*O__3]_%!0+836E^I+Y4]D]5\$0&5E0%.#F&'EX[=%8>R
M2(B%BY)/&&5K9>*,*<4!&*XDT1TYA"E393`--6`AB@1(RF6)F.!2)[I8G$<\
M,68;+*4D9*S6D)H9@%I$A]^)_HQ*T;J(]KV#*.UH&11#(1$T)AG8DJE,S:*J
MX87%('#0/<$ON)B6)B8XIHJLE`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H
M%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H
M%`H%`H%!\3!@`H`,:-#`EBQ8$0P8,&!,`0"X`.&0@PPPPF6(80(0>-\LLLKV
MMC:U[WOW*"I9-ZR5M\I"L;515%;,/8&!T^2MQ_$@CB`$2PR$+*#5U@`/8Y)T
MGR`9M;+"[JM@::#>RMW_`'RJ<QN0#S.7TATC&G?E]FS2)(E8,&Q\W8OC)!";
MK.;!<<(@2L8-'SQPX?-F%-97EU841C2JX7.XUDX.?4U(Z,.=43Y@4P8$$%$S
MSOA4CT'_U/?Q0*#7]NR4TA/GH_([**ET28#>9DM"BQ%@;^%VF2[C&`PU`_%8
M4))RO,XC<*',@\U7$N5,(%^]Q\Y!YA=W&[U7OIR0[DP-IXYM@+'$[1ALDS[@
M7'36YL6T'1"DLEBV6?ABA52ER)V6XFDK#X$<\0;XF(X3C5A@^^''RRSS[W<:
MK,3HGDX%YQV&1[^"<6E$FKHUKY89#Q'+NNCH3+B6[WO10C$JRA!*ED3R[F?R
MLB>`UK]Y_A?*SN':SM2D;G\XBY@YA.V/+'1?KH4K-I*1NCS]CB+F#F$[8\L=
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MA2LVDI&Z//V.(N8.83MCRQT7ZZ%*S:2D;H\_8OL3,N=KX`Z%[3X#9VOB%F>>
MVD(!+`7+]`>1P<EN&I'`2N.=[7$S"+&!<<.[?$//+N8W5FQ2-T>?L^X3OW%>
ME\RS:A>&8;*"X"VLY)KE]=>*RGY7[EBX@<:0TPEM(7K_`"N^$#R>J7;'O>]Q
M$R[[OL5<K%,?KDPY\1KK:SC;56>T1V1=4TIRNHA8E&\M1@\XNT@;:ECD#<N(
M^D%LI#A981',SAEX#Z5GFN$KYYV\!CAG;&]8FOU;BGZQW^?;HW%(OF;S,D^C
MOFST?\V$/,7F7Q7S-YF\5"\V>:?$?_9>;/$N\\!X'_"\%WO>?)[E0=G0*#__
!V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g655598g10g79.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g10g79.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0G&4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````T0```HL````&`&<`,0`P
M`&<`-P`Y`````0`````````````````````````!``````````````*+````
MT0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!RD````!````<````"0`
M``%0```O0```!PT`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``D`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#T_P!=W^ALYC\W_P`FH79]./5ZV2#36-"Y\=_@YV[^JQ65PW5LY^;G
M6/)_15N<RAG8-!@O`_?N^GN24Z'4?K1T2NQN5;CY5I,52P[1$FT?HC?6WZ3?
MI;/46MTCZP]*ZP",.W],T2_'L&RUHF-WIGZ3/^$KWUKS_K']%9_Q@_ZEZRZK
M;J+J\C'>:KZ3NJL;RUW_`)%WT7L_/8BI]F+@!),1JA?:L?\`?_`_!5^B=19U
M3I>/GM:&F]GZ1H$0]I-=S/[%K7JV;Z02#8T%O()&GQ04IEM=D[#,1//=1=>Q
MKBTM?(\&.(^]K5-ME;YV.#H@F"#SPI)*0G):)]EA([!CO[E1ZCU[IN*YV.\N
MNL@M>RK7;_)>_<QK'?VO43?6//LQ,$-I=LNO=Z;7#EH@NL>W^5M]JXX``0!`
M'9%3N8_UZZ+5D/Q[Z;\:'[76N`L8(TW'TWOL8W_K:Z>JZJ^IMU+VVU/&YEC"
M'-(/YS7-]KEX_F_TR_\`XPK?^H?5'X_4STMYG&S`YU;#J&W,'J$L_=]:H6>I
M_+96@I]`??37]-X'=-]IHU]XTY4WV5UB7N#1XDPHF^@$@V,!'(W#LDI__]#T
MRBK)982]X+#R)<[CZ/T_HKALW.Q,![Z+[!9=4XL=37#G2T[?=_@ZO^N/79,H
MQ6O$8UH=K#MNH)UW!T^UZP_K-]4']4L/4NG13F/`]:BS1MNT;6NW-W>E?M&S
M_1V>SZ'\XDIYG'R&]4O=5;0QM+&[F5@G<7SM;NL;L_-W(QZ7TK9ZCFO96?\`
M"-L.P3_I-V[T?^N?H_\`A$_2^C]7QW7>M@WLLW-`&PD&-Q]KZ]];O\]=%T_Z
MO93LKU\G]#C.]QI_PCBZ194]K9:RBQWO_P"N64[$5.E]6\-F%T:BANX,.^QK
M7'<2+'.L;N=_:6@_(K:[8#7N&K@]P:0!&O#TSM[&M;2TAH$!K0W:!^;])S/^
MBFW94\//G#(_\^(*256!_&V-K2-KIYGR'MT]J@79@M.ULUS&I`T/YW[WL4ZC
M:2=X(T$2&\Z[OH.>HN^V;SL],,W""9)V_G:?O)*<KZT4[Z*+7"6UO+3Y;A[?
M^I7+=1RL;I[=MC`_)<)9CS!`/%E_^BK_`/!;?_!%W]U7KTNKN.P.$':=0?S7
MM>X?2;]-GM7G75OJ=UO#N=92U_4J;'$^NS^>)/?(J<=SG_\`"5>IO_X)%3#'
MQ\2_&KRKZ*WV6ZVO@@;G'DAKO:QWT5K]`Z=B?M?'LJQ`QU6^P6ME[0`US/YP
M.]KW;_H6^F]5^B](ZL^BJE^'8R0YE@O;L;M+G?SF_P!VW;^ZU=7TCHS.F5/A
MYNML^E:?I!H/Z.H?R:_W_P"<N24W/M%,>U[73V#F[C_GEJ%ZM<[=[QI^_7.N
MW^5N]J-Z9@@.<3J8WD(1-H=!#M`)ASR-8[BE!3__T?55GGT._K1KX<S_`*[%
M\RI)*?J!N[_M+&S7PB9_SDPVR[U/4^BWZ&__`*'I?V?H+Y@224_47Z#<WZ<[
MNWJ<PWZ<?F_UTSOL?MW>!V_2XGW+Y>224_4E'H?X']UOCQ^9])#L^Q[SOG=/
MNC=S'\E?+Z22GZFK]&7;(G<9_K1JFR-_I'TYW:?1YB?=_P!%?+222GZ<'J[C
MZOJ[-9YC\/Y7_0_G$5OV#:/YJ(,3MXCW?^9+Y>224_4Y]'TM=OI1WC;MC_-V
M[4(?8-(]+@1]'Z/;^ROEU))3_]D`.$))300A``````!5`````0$````/`$$`
M9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0
M`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!
M``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!
M`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`-$"BP,!$0`"$0$#$0'_W0`$`%+_
MQ`"M``$``@(#`0$!`0``````````!@<%"`0)"@,"`0L!`0$!`0$`````````
M```````!`@,$$``!!0`"`0,#`00#!A$*!`<$`0(#!08`!Q$2$P@A%!46,2(C
M"4$D%U%A<3(V&(&10E+2DS24M-0E576&MC=78G*",T-$9#56"I*E)D:AX5-S
M164G$0$!``("`@("`P`#`0```````1$"(3%!41(#87$R0A.!(E*1_]H`#`,!
M``(1`Q$`/P#W\<!P'`<!P'`<!P'`<!P'`<#6KY;$9^GZ/U>OVOR$V_QFZ]P(
MY&S["[+Z^+QU9I$R=15V49&>%M]GDMI!6K;V18JQK7AI;DDQ1"B2-DG\.+/T
MZ5,UWE\W>T.M/Y?W1O87<W;'1V_[NZ:^:'R`U_9U9ENOZCN.]QO3OV97QCI]
M:,=E"\M2WIV<V=1;:X,6L'E-^TB&D?$XLM&1K$Y2;7_+_P":>U^/G\GGY(T/
M9F6Z[Q/R&[X^%G7'R#RE9A!G[?L_2]K[>.BW*17%H\RARG5M]1U1),(E<%%:
M+,;&K#&0QHUST8F=HO'M3L_N+J_^9I\<.NJ3MCY046![@[)WM7N/[;:#K4GX
MD;F@CZB-W6>ZKZ"M<YE8-E6=GU5S)#&)+8E@/(6L/9*18.8V"9Y3^M=U/*R<
M!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<
M!P'`U'^81IU!US+H\_V3V/D>PYA[+&=*8_K^VS@$_87>&L%5G7-7)6WE%9PZ
M0@*QKI)I1CI'4`M0T\ZS'<*(\@8L5=W-M.R0B?DKV0#V!J:)WQ.ZWRFIHL-G
M(JL3(;R_J<9;=J;M]]6G5UC:7M9V'3RC9L8><N3\0H;R071'2/GX/2[8K?L,
M;Y:&96PW<IG7V@Z,NM+G<6%GZBO&R]G1:O"T;[<FWF;96^AT-@5='O=+)(/7
M1!**.P%)H"##1X1[X^G6\O:O==#1=D[SM#JW#AXK&D:7>65+?^OOFLL-M+VW
M5YFZK*RFE1E#4$Y\>Z$BB=2`W"O"`C#*#M1^"MO>$.`X#@.`X#@.`X#@.`X#
M@.`X#@.`X#@.`X'_T/?QP'`<!P'`<!P'`<!P'`<!P-:/E3\2>EOF9UY2]7=Z
MUFFMLA0;FC[&K1<KM]7@K"/5YH*X"I#I;?'VM/9$0U_YN6>.!\KHFE,AG1ON
MP1/:67"I]U_+JZ`[)P.*PFST'R!OR>O+/<'9#LJW^2'=%SW/4UW9U,W-=C9-
M.V;O8V6V+Q6US34`.JIRY`U':U8F1R1QR,&:N/6?%#HG8X/H?K&QQ;0L'\:-
M[T_V1TOFJ.VMZ8#'Z7HCVV]7^VH)L<]E59V*%C%$*?-`2QJ),U_!FH*/\&^F
M9>]ZCY":J[[D[(V&1UFKW76V<[,[G["VW6?5.NVB6$5[>====W%W-FJ$IH=L
M2,`QT,\-0+*D0#!F1PI&,W&&XW"'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<
M!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P*$[0^.F([7VV0[$O+WLFBUN$H]%G
MLQ98?L348]E;7:LBK(T#HPJ<Z`);"S_"C12%>VA*CQ>SZ_;5S5++A_-=\;^O
M=MI:[3WAFW4B*KQ=)IJL';Z$&A[&JNN;L_2X@+L*J@+;#H(J6_M2B)518'6L
M1#Q+)30505!E8MKU[F[C3R;,B.Q&TSL1==>QV];;6-:4)F[^PK[4^,%X9$/V
M=BEA5P2PEQ^DB!S/W'M^O"*^Z/\`CQBOC[2BYK`WG8I&9K:8.AI\YKNP-)KZ
M6E`"D66-:H*\,*8(;,]RK.0GF>=SG.D<YSG*I;<KXX0X#@.`X#@.`X#@.`X#
M@.`X#@.`X#@.`X#@?__1]_'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<
M!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<
M!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`__]+W&UW>V5*8?96-9>9S
M*0BQ&4>RO",FVLVHIVC#RE'/CL]5ZFT["M8-5>6`\-,]]+`RW<1`@BS.)&;,
M7#(IWMU&^L_,1[JGF"6^CRK/80V<R742UL=G'FH*R$5]F1H7,D0=`F0N)_(^
M0?1]ZBCH1C#_`)&]*UL1$Y6[!]H0L*O)<-77IWM6)^6L]O'7.0&K)=^1%Q]*
M;:%C^/>!!$GF(;%'%(YI<5SG=]]2-U3,5^LA7Z26VAHX@(:V[GAELIBJ8!T,
M5G#6254L(=CIJH8J=LZP!E7%=#.^.4\-DXQ7Q=\A.FF+7([=UB?EGR+7K]K:
MJPD")]0C]"UZ5ZL9D/9O1"&W3E;4N$F^Y:2L#72-&*C.B^3O7N>ZZ+[.F`U,
MF>"[)M>K)X[:OJ^O"6:2EUUEB[$EYG;=UU]GH:"&XJIO2=(<R&5J>AGJG1T+
M1AFP/D;TZ55):F;`2A;'EZ[5V05]"0`93!V%#0Z>2LLU2.8)NDIZ+4UI5A6P
MS3&`CGC331MA(@DD&'!TWR:Z?RP6?L#M,QXE\]'S2_96`KLU71NTT9QVOA.$
M&GRL]=/BKF*0&P:-8NFI["-D#I`#&P#%2S;=J`XO#?VB?I39:+-05A%Y<.JP
M::DM\]2"`R'E6%UG]_?8N[AF&BB5CP(8)K5)_P"%]K[G[O"(+O?DGG>M?UXF
MMQ.ZKW843-62^)^NGCZ.GUFDM\Q2W%78+V$RLSX)AE$5)$FDGHIB61.C'CF)
M:^!I<+;Q>YHM]7FVN><6^N$M#ZN*<X?["8Y:TB0`HV&M(>VW#!_*"D#Q.,'%
MD(49TT3'C/@GE(E9!$`D$Q)4\(PP\;YIR")&0P011M5TDLTLCFQQQL:GE7.5
M$1.!J%V-\\?C'UO).(3V##K[6#SZJK`"OU+W*WU(YB7`SX<PR5KV^E6//:]%
M7ZIX\JG2?7O?#-WUGEIMK?YM=3&Z6'"]-V)K%21(+'6ZD:L<Q4^D3I::GJ[=
M)$=Y\N1#V>/'A%7SY3<^GWLQ?L]12MA_->[TDF5U7@>I@Q_4_P`16%=L+*9&
MJ]5C19Q]C4L5S&>$<OMIZE^J(W]G-?XZ^ZG^FWJ-%.R_Y['S%ZZ[!TV6K\=\
M?KNN`6G4.2_QFZ<7`A='76$[4EI.SJ2*1'D&._QV.5&M1$\?7SF_7K+CEJ;V
MQG\C_P#<4]PA2L7>?'#K720IY]R/(Z_48F5_[L")Z);D3L!D?AS9%^K'?1[4
M_P!0JOS_`)SVOROIO1U7_/\`OB;K2!P.S,1VIU&1-Z?=M7UM=O,L)_K_`'C<
MX5%J7^E?'I]NED]2>?/A?HN;]=\+\H[8^EOD]\?/D37NL.D^W\-V(D423%UM
M'=0)HJV)RN1DEQE3OL]-3-D5J^E2A(?5X7QYYFRSN-9E7OR!P'`<!P'`<!P'
M`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`K/L;N7JSJ,%I_9
M&[SN2BD8Z0<:R.:MJ:QJ^'NK:05"+FS]"_M^W@D5/Z>6:[;=1+9.ZZ_^P/YJ
MO4=&\@7KW$ZS>$1*]L9]E*+CJ,A456LE@E(BM[MT:HGJ\2@0.\+X^B^?'6?3
MM>[AB_9/$:GZ;^:MWG9.FCS..ZXS(K_5[,A`5[?VD"*Q6M7[N>Z!K9',<OJ^
MH7A51/IX\HNY].OFUG_2^E4'?S'/EB6DWL;JFK/=5%8H.(R,BC>%1?$/Y*HL
M$<BHGC^)[G[?\'C7^6GI/GM[=:<_\Z;^89175D$_M[/W(]?>'LC;:]5]9L68
M4<Z1L84[J?+5#E@]J/T*YGHF5JJOK]7AR<_AKZ;FUQVNG$?_`'`OR]HGPP[/
M`=(;L%OUFE2AU67O)E\Q_1I]7K9Z:)GH:[Z?C7+ZG(OGPGI6?YQ?E78+T_\`
M_<)]#Z1XH/=73?8'5Y4OHBEN,E9U?96=AD16M>68V6#':$,5[?+_`&X`CY6+
MX9^__C\S?KOBK\OP[B.B_EK\;ODL%]WTAW#C-X0T9"R*(&P=7:X`96M59[/&
M7<-9JZV%JO1%?.'&SU>4\^47F++.XLLO38GD4X#@.`X#@.`X#@.`X#@.`X#@
M.`X#@.!__]/VT%_&+$%60=@W0[02*AJEJ<17"E9I!L!`WLG$]L!MS)DV6GO"
M`:K9=>U+PZVU+LJ@8(;[*,1!'.A4N6(N_A]U#HVENNX[RV,L,^M.>9;RT-TP
M^S=V[%WI+K3Z6ZS]AF3M!+V=$AZPS`OJ&QJHK0FB>($&4II/C=UQGZ9E'61&
MA`MUECM7PU8F8SHC[^WZC+Z8LR(J;+YRCSP$)V8.F*DB%#@8MG(Z?QZ56-1E
MEJ/H?$9\VG/`EO%GI/RWV:$'CR1K^9T'6VE,]YK08U?XL>JZQ&>%;Z8W3M7R
MLC58,U7N2^'73>)H[?/9ZOFK*VVZWV/4KDJ:7!9PL?![(;.!S5,EAE<70FWQ
M-$-F86UYMO)8G,6:=TTT[Y7.X,IT=U%G;"F/Q(&XT]08+V";V^'/5SXLO09:
MSUVKT.FE8(%=Y.YKI<W:Z$JV]E+((V1R.FC9-XA8D(RBX7Q3ZU`KJ^A'/V"9
M6E_&E9_)+<`I0T%[79:IQ?ZEJXV5#+!ML9F:IPTL<Q$P+5-+EB'BG(?+P9KF
M7'QEQ5J;,=!H-C3R&6-S;V,`,V6/`M;&TUG9NU!FLJ_29.^#*'SN@[=NY!!5
M9]I.R:-AT1C88T099:TZ$I[#)]<XX3;;JEJNM="#J:Y`'8HYMY=54Q)M/)H*
MO1XJ^SKJZ@MR?OJJO!"!KZ<L<1X$`WV`"##+(U'4%903]KV1>VU]LG:1IMM<
MS7OZ*:_,^8"!Z]F<MJ['5=O#7Y:M6*"MCLBK",.,5CT\S/GEF(ZT>Q?EI\>_
MC/K-FOQUJW=@[2\J\]FYY$L(6]59$#*A.`KP:RP`&@N]@D+6,\1J84./'_"#
M,&B1XZ]=/IMYVXC&WV3J<UUE=N?)'N?O`N:7L+<6MC6/F6:#,`RK4Y0+PJ>T
MT>@!6$&1\#41K9IVS$JGU=(Y555]&NFNO4<;M;W5&\TAP'`ZMOD9_P!\NQ_Z
MO?\`96CYSV[KI.HI'F5.!E*6[NLW:@WN=M[2@NZN=I59<TM@75VM<4Q%1A(-
MB#+`6).U'+X?&]KD\_MX'=)\3OYXOR5Z5FK<UWDS_.'Z^B?"/(;>ELKNTZ@1
M/3&Z4#9-ADBTKHFJZ1T=S"220]$9][`WZIBZ2]=K-K'J8^+WS&Z`^8&1=J^D
M]K!;S@Q#NTF-MF1U&[Q\Y#45@^DS<D\T\$3I/5'&8.\FN)D8](")?0[QRNMG
M;<LK:'D4X#@.`X#@.!4EKV58`Z+4QP4]!%@NN1FS]D[:_P!4=2E44B9UFM+C
MH\V)DKO]00U6<,#))(G.K1T^Z]N%\TL,[(P@5M\J,%1K./:9GLP6X!"MK:TS
MLF+(3055'5@XZQBNS*W[OW'A6PV^JHQHX%F+^^(>!-#">,4+`7"0`_(?#EW`
M]%-7:ROLX#<U4:J`NECECP5]L]A<]?Y&BU1=:=8"2&Z'9T!0,$U7)9!,1L1,
MT\01(I,PPKC0_,S`4V0!TX>7UUF?HNHK;N+%Y*4O"U&HTU#6YH_9Q!24=ALF
M76:+,QM=+:^[9BBBQP,<,Z3\FW\?P82$3Y7=9Z#,]SV^-*AT-[TKD]7J+S+K
M<TD91C<HW3A&#(93&Z)*Z%VER!U<LTT7J=[32X8IP20R21AP\9\J*"\B/'TN
M8N:.ZHM$'2:T>E!U%K6XT&ZLZNDS6AUC-=D.NMMF:^\NK5!F0V-`(8D0I-DR
M*2BA6V<,.#J/E_BJGK73;FDS&TMKFMP1?8F:QQ5)]C<:G)?HO2;6MUXS8RBF
MC9$L'(V3%F>J'/F#=#`+/.0#$6,+FINS(]CFMA=XNL&E,RF@OLU]KL[P;+5I
M%AG"6#VDUH?3B[*VRHT7B15AL:V&SC1C7S!Q12Q2O(HP#Y7$GV6?K(>NY9B+
M#KBI[$L/LK35&CG#:^V[%I>MZ_#7$?6S,U:2]CF]<3NJ?U*?D""([$%C('%R
MRBP%PE_4?R0I^R;8?-7-=5XS43-L0F4I6A,E*L[^NL-+,^LSM=H,SC]+8B3X
M6D%T<9)5:`^6MLX_1"]PYGVP;+<(<!P(MN:[16^)V%3D;*&FUEGEM!79BX)D
MGA'J=$;4EC4ME/*-"03%"#92Q2N=''(]K6*K6N7PBAIZ)F^X:(DL7KSI\_JC
MKZ6^Q!UF!A`^E`.Y=",[`=F#ZU]GJK_LK99#9G5^^CRD[;*P2JL"!Y3HY$,1
M'33%_P"4>+J_G7!G@QI3&'VU1;9,:X.S5AUX/8:P31YG=:K?6N>'T;AZJM`Q
M>]N\W0UT9L@T\];1G3)`]A3$F'"8C9+Y5-%S=H?L](3?C%]KW6AJP9>MZ_,6
M)XW;W7D76%%'7$P6=@%E;;JH"[(6!EE*7!]Y+&28TI!&QCAC)\=\NPP]-:4^
MZU1%Z[%F%9VFNR^IB<_%M;:#O"`L-K(\\I3HZ9@^'DK4)(<&PE/,SI8Y+9'C
MAD<7FOE.9:T=AL]%K`:AHV7KB\\A?68JP5EKI.ZP]?+=E4I5X;8:/-Y<[*2B
M&AGL291AG+',2EDDHX5OV1TOW)I^@/C?EH,KIKO>8S#$U6J=?V76^DT%!M7=
M<I1!WY^@N]W5C0$P:1CEBO*$XNZKVO:0,WW456Q>.5D4^<^4]]H:6JTNEW.7
MSI=G7IV#H*\WIMJQ&19WN#\F9U0P*ONK,#`%W/Z6%CANA'W;8$'E]$9*6Q<M
M3A7]ADOEK=:&NUMX-N@-2'TM<5,A&,,Z1ES(5_H=)\6KH['9VMN-70WPUQ:I
MC=;#:6<QR##022R@DRR-J!XQPOO:9W5ZKLGHP@WJ,B/\(.!IMIVS56G7YUMD
MK,%$D&ZVI+8VZS&S2DMK>2670'U]9]N=51-`:).VR)=6CWRHBG^-6P!ZY&R>
M1I+#),Z]V6&T/74FPI^I`M=H])5AOHK'4;PCJ.T#RYM941.",'N45-8L,-A&
MZ&>9XSIQEM)T*'V;3Y^]S?8U&-5CYO1%U6.M/NQ#KK69]D<<S]3I#P])HDNK
MR]LI9BBK.>.F*/*FE?+5!^&K,+CPF'9W;'7W3F8(UW8VF`S=/"KHX%)>Z0ZT
M+1JO;7TU9`DAUJ>]J>?:@C>YK$5[O2QKG)9K=KB1FV3FNDOY`?S,NQ=O*90=
M,#3=:Y9720_J$C[8O<6T"^$21DOIG`S#'IY_<&6<EJ^'(2WRK4]&OTR?RYKE
M?LMZX=9]M<6U_8EW%[:6-U;'S.(.M+8TFQL39WKY?.6:9+,23,]?VN>Y7+_=
MYUZZ<V.Y0X#@=,FF_P`I-#_TY;?\/(YR=)U&#Y%.!D*FVM:&R"N:.SL*:XK"
M8C*VUJ32:ZRKRX7>J$H(X.2$H0F)R>6OC>US5_8O`[M/B%_/&^0O2Q%?E_D$
MPKY"=<M<..ZVL2H`NV*`5B*Q\P&GD8T;7^E'+(^&Y1Y1#VM:A\#?/G%TEZ[6
M;7R]5/QQ^4W1WROP\>\Z1W%?J:Z-!X[RF?\`U#5Y(^=KU;5ZO.$JEC3EJZ&1
M(WN:X8I(W2#2S1>)%Y66<5N65L)R*<!P'`<!P(YK=/7XW/V&BLXRB(`OM8!P
M`&P26=Q;69HU51T%1"20(.1<Z"Z.'"#BDEB9*41&U7M1?4@0@GN#/9N*D@['
M@(Z_O;Q#R8*0YS="@-0#8U=;)?7=QE66]-GZ&`F]"A(./F&"'*(2-9G)Z)'E
MPP(?R9Z1,="J;;[$.7+5^VDNKK-Z[/YH#)W)NEKJ*^N-1>T%=G*.OT9N.LXZ
MQQA4"V2AO45)4]*N&*RPO?76)QPM2%:Z`R\*9IY/TX+U_P!AD:@%F.J,M?7Z
MW.8BRK[^A^WJ=Q230(:,.IJ7`*#>\XN!)"88`/Y.]2G7A]$.=K'3A4V9MV$I
MUWO706,FG)WHR4%8/'G'VI>IS;NM+AUW7?;-)I_L2&E-CD$-8,7#X;OY)8C!
M[OKC%&*-9M[,%J#*&V`TN5B0P6^T53G*XVCJ["X#/U=>*^W8?82UR$?8U,4A
M;FOC8J<&&0C^3/2<R5ZQ[&95LQ5LAF+E-HV://M923?K`^%V=2:JP:BZ(0A+
M\IL-*X5[IT*6&*9\8Q7S&^2/6I._M^OXRKN6PKR,95`F!Y376(V@T.PL.W`4
MJ:)H&?(=:"44?3%S,=9CK+5C1CR^[/'[$O@8<SLKNN/K$RSBM\1I+"O$Q>VU
M];:59N9(2X3!98G5W8<53^;_`#H`GVT48;#R1HQ&V1$,$CF?<#/F(@!GRWPM
M.SK^2W$C+BWX^X(`-Q&GS&_K$7#QRN+!J":&Q4G9W!$T:0R!TT!TX$KV?=MA
M:]CG%PMK^UG/_;?>?=YW[3]$_JW[K]=XO[;[G\K^"_"^_P#F?:]'YO\`J?Y'
MS^.^Z_A>][G[O"/_U/?QP'`<!P'`B>FQM5IGAG22FT^AJ6%,HM91O&%T5(AB
M1?=1B$E"FAF5Y4@\3YP#8"ZXI\$2SCRK&STA'0-G9Y\T3/\`940-<6:1$'1;
M*MCG@QVHGF>D$`4RE2D28[43SJUK*TR>6$I98T!+,E^XA&"SN!$=UN\EUIE;
M?:;>[#H,Y2#/).L#'^$^B+[0HL+4=.:>7)X9`/$U\TTBHUC5<J)RR6W$G*6X
MYKST?*[YT;COHNQRF1FL,5U*CY!F4T!"P7&M@:Y40O6$C/\`#A9T1'-K8W.&
MC\I[BSO:UZ>G3ZYKS?Y..V]O'AH5SJP<!P'`<#JV^1G_`'R['_J]_P!E:/G/
M;NNDZBD>94X#@.!/>L^T>P^FMI2=B]6;"\PNUSQ*$U.ASYKPS(5\I[PI#4]0
MUA6&QI[9(A+)12H5='-&^-SFJLE['L/_`):W\VS(_+-*OI[N=M1@OD/&-[56
M\97!Y+MAHL+I)BLVV=[VTVK9!$LA-2^1R3HCI@W.9[@XW';3',Z;FV>^W=+S
M#1P'`@I/9&0C*FKJZRETUH/+..568\`[6%`%P2)!]I=.H!SQ,W+,1YC8ZRE#
MB5S)/WT2*56!QVVG8UUZ/QN9J<8)*Q?4;L[&*]O`YH_0]6+DL@;+2FC$HJL;
M*FEADC7]]87(B,<&9HZ*X`)DL+O76VA*FAEC^R>'3U.?`>1-'/-^)K:X!EBD
M+%B;'#^0.L2(8D5/><Y\KY`QUUUKC=!H&Z>TK2Y;5]6VCL6C7N@K:G14D:63
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MK6XUNSN[>^-K3ZJTJ';*WN-"=9;L>C/H@I*^"ZE/@`46)!V1(QJ(7+Y7_P`>
MNGM-GTR]QCF2TK<;2=>M'"O-+4%,Q.>JM-1UF;9:4]R!:LK$I=E:"$,2=%,&
M-DC(65BHB#++673'7EQG-WE;2JMCZ?LPJ0G<?<[':26M\R1H\*UDVB=H?U"'
M0-$&09E8,5#7L$?(.V%()98WD<MG4V%2RH+<BNM+.RS8E<'7E7FLUU^XJ.E/
M,M:$C1,N[T^+76.<M;"<JL+M6FE5I,SY19(I'*[@?J#J7KL724^O&S(P^BHC
M;NRK[*$NRB=^2T$VGGL;$\9AJ!W%@V3;W7VTYD<\H+;@YHSH6ED)(%B\!P'`
M<!P'`<!P'`<#%W-9);`2AP6MI1D.<R0>UII16'AS,7RV6*.P#L:LIOA518BA
MB('HO[S%\)X")*)V74*U`;7,;(1CO:8-HAC,C=K$YKG_`'IVEH![VG.(BD:C
M/8@H`6/8_P!7N-=&J2@_7[07*S3Y/8YCPUJL,EITTE1,UJN0LA]IB2--!3@A
M^&N=+:I7>8G^M$\,E]L)72W]%I`6V>=NJF_K7O=&RQI;$.U!?(Q&J^-I8,TX
M[GL1Z*J([RB*G]W@:M?*KY=XGXU4'V[_`+?2=E6XCI<UBXB%8K(I%EBCO=%-
M$CGUU%#-&J(GTG,>U8X41$EEAWII=[^&=MIK^WG+[6[>[`[JUA>R[$OR;NV(
M5\8D*_P:NE!61SXJJCK6+]O6UT'GZ,8GKD=YDE=)*Y[W>K76:S$CA;;<U6G-
M(<!P'`<#IDTW^4FA_P"G+;_AY'.3I.HP?(IP'`<"V^DN].UOCKV#4=G].;*U
MQ6PIU5C#JZ1KQ+("22*0FEOJLALM;?49KH6>\(7%+`]6-=Z?6QCFK)9BG3VD
M?RZ?YGO7'S;HHLAHF5?7WR&I0%FOL%]T]E7K11($>9I^NYC99"#JYJ-=(372
M22G5R(JO6:!$)?QVU^/Z=)<_MVG<PIP/RYS6-<][FL8QJN<YRHUK6M3RYSG+
MX1K6HGE57]G`@']IF6-<L.8E.W)*M:D;<4#+?5KIW*[^I$ZJ%8\94'-C9[CH
MCK(5[8W,<J>)(_6'\0WLNY2-X-/G,0+)XF;-J")];?,8UCF.!/S6:.J:(*:2
M9?6T@?1',;$Q$6)72+[(?N;`QV]/?4NOTFCUH6@"^RFC,FK*-*AJ^)/?SLV1
MK,\?5V`QC&$"'.GFL09XHY("8WM]2A$;;HN@TD5>W5:K=:0B"KMLU=FFV]76
MR[/&7-C76A6+UHN:HZ*KL:%I-0.Q'1#CGO&^X'D)D@/L8RRY0TKXKX6T/(KK
MLR[M.M9.G^JNH5ZZDM3(:JTK>JK#L(RBLKXL>2*PF.#_`%K%(/(%*#*A0C9I
MG3K&*@XRSAOQLPEF/=K:6FNM;K116S;C2V=J!869\]J[JMOW!=:94390R(0/
MI;.C?9S5LE::.)*TX8M3#%G&41-^&/2QE95U"`&Q@T3P2:(,H#':"JI[*MO.
MT[H.T#SNLR>@S"DP1=U:4%D4H4@C`K!$;"V886:$969INC,7J;/,EGOLQJC-
MU-+1NR-<E*/EKVJS-[5:?,!7`<E+.=$+07U,.1!&`2#')Z/;G;+#_#X,H\%\
M9.MQ8;=I9&NO"[GJ^_Z7)MK_`$I=I;1=97@M*%#E1S9HT>@]&+1Q_:D/1YDA
M$Y19<I)A1!$@R_)/QGP1)6@E_*:R(#2E9+[^B2PJ"*@6DQNAW>NJLU1QG419
MN="_5/8UF<AX,X]Z)*HS`K`6`(.*`9323JR!W8M]V5!LM<);7N4AR"UL<.*(
MK*BL&9,\9]"588TW2ULL=D0\Y\3;%P9!GI?/!*V.-C"?A_(>GLHZD=27,USI
MF6&IAVNHL+TZ&0_::<6O'KP+32MK1*VN=^)2N`E!@"'#%KYJL)1HX6C1M0*M
M_P`T#JK\9^+^\U_M?B?Q?O\`Y>O^Y]?ZM_6'Y/S^&]C\A]Y_5O'M_;?:_3V?
M>_C<#__5]_'`<!P'`<!P.,:$'9!EUUB(,?7GC3A'@&P1%!FAE1/@*$+%G9)`
M2,3!(YDD;VN8]CE145%X%(ZFYEZ#SMQKC;&:WZBSH,]E<5MF:I.JQ@D;?#G9
MBUM"VOU5,I"L2*H+E6RB=*^,$@AJ!U;$EMQ"V>7G@^47RVN_E1K$M@BB:_K&
MF)(BQ.569/ZK[7J$*MK^&)48_4E2,>V=C_*@)Y&:OELCY?7]>DUGY>?;:V_A
MJWSHR<!P'`<!P.K;Y&?]\NQ_ZO?]E:/G/;NNDZBD>94X#@.`X',K[(^F/!N*
MH\RJM*HP:RK;2O*F!/K3P9F%!G@FC21$!F!D1-DBEC<U\;VHYJHJ(O`]@_\`
M*M_FN?YS6=&Z,[:&/T/R-S('JHCZ..H"9W!EZL='V%[&9>6.?S,&SSHC%EM1
M(RVR&0-<6+"Y(RHQ^.^N.9TW+XO;N<5O9MRDC729;#"/\L8X=#=MH)12&)YG
M9+/'F:'.W(">4:UT-^&Z54<OKC8K)<-#NM*"P];M85<[UTS$B(@V%@AU"3&S
MUI![V)KX*S!+,.CU],R52$*OASGN<B.X$\&&'#'@$$@A%$%AB&%%&B9`.,/`
MQL4$$$$36QPPPQM1K6M1&M:B(B>.!]N`X#@.`X#@.`X#@.`X#@.`X#@.`X#@
M.`X#@.`X#@.!I3\S.X^L^B<6NHL\_46_:N@C?6X*,:6:ET_OB>E9;:334<H.
MGK:"E;.GW"#E0J2DJ"^I&SO<W>FGSOX9VV^,_+S0:>YVNOT]EKM%M;G1W-T8
MTFU(U'MW4LK$]+?0.<B@VK)(H&-AA6<@F*&%J,;'X:WQZY,3$Z<+<\U\N5#@
M.`X#@.!TR:;_`"DT/_3EM_P\CG)TG48/D4X#@.`X$@RNST?7>DH]SD-%89+4
M96T#NJ'251SZVQI[0*9D@A@AD;V.AE9*B)^WTN15:J*BJBC]/;;_`"X?YEH/
MS7ZT6H)RI$GR"PM>-%V+0UQ%-19\\61[`:SL2I6^LP;%^7N2U\'1UHMG+4$+
M[;XW,G!4GAMKC].DN79$@'9-RD?Y*\H,4,_PA(63%DU-TQ8V*YL@.LU`-?31
MLGG]*21S9N94B:YK9$>]LD>5?U.L<D2KI-$*7MB)7>[,_<6!6H"^[5K6RF@9
MZSDERM`1,C?JE8`%$UJJUC&L56\"P>`X#@.`X#@.`X#@.`X#@.!__];W\<!P
M'`<!P'`<#S]?S%?E'/V7M)^FL=8K^@,%9R1:`@21?:U6T#<^`KW7HJ)-4YF3
MUCP-3]R0KW9E61J#N9Z?JTQ/E>ZX[[9N)TZP8@Q82"2H1H(B35A4R>.)C)BG
M#Q^S`XB1K4=,Z&+]QJN551J(B?1$3G9S<G@.`X#@.`X'5M\C/^^78_\`5[_L
MK1\Y[=UTG44CS*G`<!P'`<"687<:SK/99GL#"WAV:V..N@-!G+VND2,NMM:V
M=A`I#/4CHY8_6STR12-?%-&YS)&N8YS5#WY_`GY@9WYJ?'G-=J`,#J]D`Y<O
MVAE1IE?^F]Q60Q*=]O&]SIFTE^-+'8U[E<_P,2D3WNFAF1OGVGQN'27,;I<B
MG`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`BFYVN>ZYR&BW.K.;79
M[+U9-M:%.]'K]D=O[@XS'OC2<XV=S(1XD5'33R,8WZN3EDMLD[+<3->53OKN
MG3]^=F7W8>FD?'][*H=!4>ZL@V<S0LLRU-&)]&L](T<KGS/:UOOE22S*B.D5
M.>S76:R2/-;FY4WS2'`<!P'`<!P.F33?Y2:'_IRV_P"'D<Y.DZC!\BG`<!P'
M`<"\/CGW_P!@?&#N/%]T]:G_`&NCR%BV:4&:29M7HZ0A/8N\O>PPO8XFFO:]
MSX94_P`>-5;+&K)HXWM69F"</]![X_\`>.(^2'3N#[JZ\,^ZS&[I(;.""22-
MYE/8QO>'=YVT2)59';9ZX'G#):G[ONPJK55BM<OGLQ<5U[7'R!P'`<!P'`<!
MP'`<!P'`<!P/_]?W\<!P'`<!P'`U`^;G?#NA^C[JQJ#4%W&Q<_(XI8W-^Y$.
M/@D=9WT3?WG-2@JDDFCD5KF(8X=COI)S?UZ_+:>F=[B?EYA557*JJJJJJJJJ
MKY557ZJJJOU557GL>=_.`X#@.`X#@.!U;?(S_OEV/_5[_LK1\Y[=UTG44CS*
MG`<!P'`<!P.U3^4+\N9/B]\JZ&ET5JH75'>$E=USNV3S>W75EL46]F#V$_J5
ML42T.@,4:>>1S8X*RQ+D=Y5K?&=YF?E=;BO<[S@Z'`<!P'`<!P'`<!P'`<!P
M'`<!P'`<!P'`<!P'`<!P'`Z5_P":9WN^4O._'^@-<V$5HFO[`2"16I*3*U79
M6@)]*M5S1X%=8S1.]3'.E$>G[T?T]'TZ][5R^R_U=-O.[D<!P'`<!P'`<#ID
MTW^4FA_Z<MO^'D<Y.DZC!\BG`<!P'`<!P/0Y_(0^6T^,[2TOQ-UEG)^E^U8S
M=?UJPB15@JNQ:"L<1?U0_J5&00Z_)USIG*YWI^ZJ8F1M]9+E7G]DXRUK?#UJ
M\Y-G`<!P'`<!P'`<!P'`<!P'`__0]_'`<!P'`<!P/.1_,B[:?V'\@C<H$6D^
M>ZI`9E1&1KY@=H2DBL=84GE5<A,9KH@)?\5/-<GA/VN=ZOJUQKGS7#>YN/3K
M\YU8.`X#@.`X#@.!U;?(S_OEV/\`U>_[*T?.>W==)U%(\RIP'`<!P'`<!P/]
M`[^7%\B)OD[\.^GNR;4UQVO#I'8;?S3/]PN79XB3\#961SO<E\E:048>V7][
M_%/;]&K^ZG#:8VL=)<QO'S*G`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`
M<#&W-M7T%1:WML2P.JI:TZVLRY%\1BU]:+*883(J^$1D`T+G+_>3CO@>17M/
M?VG:?8VT[$N%<AVNT-C<K"YWK0(0B=R5M9&[^F"JKF1#1^?*^W$GE57Z\]TF
M)(\UN;:@/*AP'`<!P'`<!P.F33?Y2:'_`*<MO^'D<Y.DZC!\BG`<!P'`<!P)
MOUKV!H^J.PL1V;D#'@:C`:JBU]"4URHC+.@LA[,5DR)])19Y!TCFC=Y9+$YS
M'(K7*BKSP/\`1[ZI[%HNWNL>ONU,P]'Y_L7&9O:5*)*R=\`6DJ!+:(2=[&M1
M"PD*]F9JM:YDK'-<UKD5$\]F+8ZI_P`@<!P'`<!P'`<!P'`<!P'`_]'W\<!P
M'`<!P,'I[\+*9K0ZFS56UV:H[:_L%1414"I@"+$I4545$5(!G<29LA>.7CZT
M=]8ZG0WNGN)E(MM'<VE]:$+Y59[&W.GL#9E555564DASOK_=Y[I,21Y6&Y0X
M#@.`X#@.`X'5M\C/^^78_P#5[_LK1\Y[=UTG44CS*G`<!P'`<!P'`]/G_P!N
MQVW(L7R*Z(,)58HY,OVWG`_/[K9)FOQVT)5O]U[8*!J*G^M7S_1SG]DZK6OF
M/3KSDV<!P'`<"-YG99#:BEG8W5YO6A`'2U9QF9O*N^%"LH8XIIJXLBJ*+A&.
MBAG8YT+U;(UKVJJ>%3@?V?89(:N#N"=3G!ZBQ>?'7VD]W615QTE776MO9QAG
M2%-&)?75-$:5.C'.6$<.>1_AD4CFAD+FZILY5'WNAMJRAI*H:0VTN;D\6KJJ
MT.%/5,6?8'2P"!C1-^KI)'M8U/VKP%-=4VCJPKS/6U9>TME"A-=;TQXMI5GC
MN5S4G"L`I9Q"H5<U41T;W-\HOUX'U6TK&GK5+8@I:)$+.M:I8Z'I"<EFX*90
MUD^X2(Q*4Q8G>GQ(@DWI\^T_TA]0C0[(,2QKBQCZ\\:`T`\*>(H,T,J)DXI8
MA4#Y("1B8)&OCD8YS'L<BHJHO`Q%GK,M2VU-0W.ES]3>:/[W]/4UG<UP%M>_
MC86D6/X:N*)B,M/Q\#VOG]AC_:8J*[PB^>!]*73YK2"@G9W0T=^#9A/L:TRE
MM@+46PKXR/M)#P2`2)X2PF%)[2RQJYB2?NJOGZ<#.<!P'`<!P'`<!P'`<!P-
M+_Y@.YDP_P`6^P/MIO8/U[JG#!.\^/7'H#F?F8?'C][WLT(:WQ]/V^?Z/"]/
MJF=XSO<:UYE>>MYS@.`X#@.`X#@.!TR:;_*30_\`3EM_P\CG)TG48/D4X#@.
M`X#@.`X'ME_D9]L2]B_!BFRII"36/36_V/7WA[G.)=3FS";REEE5W[88HMA(
M)"J?1(PT;_J><=Y_V;UZ=QG,-'`<!P(W?;+(98JE!T^KS><-TIS:O.!WUY5U
M!5_9.D'A;74H]@4/-:G.F+B:D,"22*Z5B>/+D\AEY[*N&,!KR3PAS[/[G\:#
M.5!$98?91).9]B-(]LQ?VD+D?+[;7>VU?+O"<#C5U_17$Q8]1=5-I.`^:,Z"
MNL0SI@I!K:WH2(RXQII7C/@O,^>$]'HU6E@D0KXDAD:T,>NTQR:E,,NLS*;5
M:]+9,>M]5IJ5JW>YZ;),_P#=?EEKW>T_Q-[/MKZ5^OT7@2&>>$:&8DF:(<<>
M*2>>>>1D4,$,3%DEFFED5K(XHV-5SG.5$1$\KP."/=4QDXXHEM6%$EC$FB#C
MGBSSE!AK7(66/%%*Z2885;<3W)&HK&?=0^I4]QGJ#[6-C7T]>?;VYX555501
M5C9V=B5`#7UU>#`\DT\\TE\0P808T3I)99'-9&QJN<J(BKP(U4=C=>Z!*!:'
M=XV[35OMX\LM1J*2R32R9]GN7T=`H9TR7#Z2-/46@_N*,GUD]*<#)?JS+?\`
MU+G_`/)_]6?_`#FN_P`EO_J7_=/^3_\`\9_N;_R^!__2]_'`<!P'`<#6OY?W
MB4'QN[5(]2>;&A@SGM^8_)$6HMJ_/%P(R1R)(UP-E*KT3ROMHY43Z<W]<SOJ
MSO\`QKS>SY.CG\J@KH'+_JH)I6?Z3'.?$G_X>>QYV&GP@SO]S'SQ_P!Z>*.?
MS_<_>C4?Q_I+P,)/B;:+RL,@A*?T(V1T<B_X4E8UB?\`XEX&&GH;@;_UM<3X
M3]KHF?<-3_"Z!96HG^CP,4YKF.5KVN8Y/HK7(K7(O]Q47PJ<#\\!P'`<#JV^
M1G_?+L?^KW_96CYSV[KI.HI'F5.`X#@.`X#@.!V__P`C7:2Y;^8!C:..5T;.
MR.O.S<7.QKYFI/$#G7=B)$]L4;V2-2?!,?XD5C/4Q%1?6C6NQO\`Q77M[<N<
M70X#@8+0Z6CRE<MI?'L!$6:(0=J1$%G6-@1ZD$JJ>K!A)L[JY/>WT#!"0SE$
MR>&11O<J)P,+FIMG;'2WF@'BS%,\20:GQGD.PN/,TT$ZW>LMQW$"#VK(H?9@
MK:Z2085KYGS%&OEA8"&I$'QK[6R'7]$!B=@#<=@E]!VG2&LL=+L;C,4U(TC-
MYP/)W>,GR&#E4X?K&WISXZF,NO%M)X+R<@BR]Z+VIRY1D+XM=SC9Z>KK]'F\
MT4&7V:;6_:=E]CZB`V]UN#^0F5SVUC*O<P,3AKBNF[1IH7@U3)!QP`G1Q32,
M`KH.1<KE-ZB[//Z9[*Q$YE"O8>C;$ZOW4F\TMDW66XAL!<.IN@]!A[NOZZ+G
M^V8D=8`%?5E=&D8\3)11XH>5,\JZWW4??=Y;99)=(=)9:1=51EZVM['USTPS
M;#XT]HX\$.SSF7QF!Q5Q0O[)E#O5O?Q]<8RV,@'C!1!@YF#ADP.ANX+OL>E[
M'[!GQ9[:3M3(;ZHQ@?8NYM:C-C@`]ZYZ[=3VA>(IDFL0*CL^I+&B6O''LYZE
MPD[A85C(095QE/C%\GZ>HKX]'VP-J[VC9335TQ/:W8`V6NK(-\$HDFWS2X4D
MR\IL9`,T,0(6QKY;;UOL'DUUC[,\`S/38GL'I+3:_MTS7BVP[,?JL%BNO=A6
ME:>^"C7-YV_[*/UE4F-JJB.MU:]@9[L1]<AAEL++0RC1F"1R3-<R491_K;HW
MM/K7L6MN:O:U9F(MKC4%]@`'3#$7UI7$'=F7&?#AGDP[I"Y2-5LA[V=H9M`)
M7V15PR.`P4L.$`9;?\(<!P'`<!P'`<!P'`<#J3_FTZ!XW7_46521$9<[&^T#
MHO5X5[\S20US)$9ZOWDB36N3SX7QZ_VIY^O?Z9SM7/[.HZ,>>AQ.`X#@.`X#
M@.`X'3)IO\I-#_TY;?\`#R.<G2=1@^13@.`X#@.`X#@>G3_[<[9O2;Y3=>3R
M^8W1=6[.K@]2_N/C?M*.^E]"N5J^ZV2N3RB(J>CZJOE/'/[/%:U\O3[SDV<#
MB'G@U01=E:&B5M<`/*6=8'DPAA!"P,62<DLHA\<`X\,;5<][W(UJ)Y5?'`KC
M]0ZK;M]O$C39C.R_NR;O1U;V6)XLT/A9L/DK!(BG31R*]&6%U#`&Q[(Y80[,
M67U<"/\`9'4$O9&TQUA97AH6.JL-V-DM?55TX8]AKQ=G==7GQ9\]Y%$<Z#,G
MB8LI+"0`FML6O6!D$R123HA6K]W\<OD'?6^(+MK7(6@^`PU!@:@IG=O;N=LS
M3\]F^R:)G;9KJ##0R)K+<[25-A-42$%01%!-D_(RD`ADNBYB:TO0G<E%J(+$
MW24&RR3C[TZSQ\^XV>"$LKRZ[J[H[&@W<TN8S)\"VU31;VNC_$+"M>98(Y[Y
MHUJZZ>2IE,==U5W!8]D=D7F:TX%9C-M0X6*.NBV$]$8399,T>:YK#HJOJ\S4
MTT6LIAY*G\O6ZF.2N'->1'72DPQN<,S$53E^HOD.14M@$LP\_7FZ/9BV86A[
M-[&,MLP)G.Z/D1:YYF8G/RQQ6LHM)FM_210%ED53HZVH&]`[XU@B'&8Q)?Q;
M[SK8"(<3L<W0QEZ'9:/3P1;W>!IV47K9.GS_`&M$7!ERB,\T*UR-Q[KAT/0T
M18QI&-'LSX1XN9Z7-UWTAMZ7(=K8CL6U3L"BW6%I<TR;0=F:^ZU6DM)<I<YW
M</O]>S*YV?*4E]]P*H;:X,TZOD>5*TAT*@@@U$?O?C/IMW14,>PO8H+BNOKP
M5H<NQTN\"J.M+BN9&7C3]5>4F?U_8Q%@:+-&PXM]2?7"W4_H)(E`&4@9<3^S
M[YH_A/8_M1PWYG])_C/N/N<Q_P#.O[0?R/N?>?YN7VOL?H/^J^]^.^V_]U_'
M?<?\N<''I__3]<X/R"[LSV/T&ET&;+NZ.YH>T=%16UW?X;*7U1%US4]A75^1
MCX,KEMS56>;>'54<%)'H!(;5I4ILI_O0L@B?&L1)M?\`-D+)BZB6;%5TI>)O
MKS.:*L)V%J$7-:8>^/$[$#SKXL`>(8129<W.7%:ME)406\6G$A24>5C_`#4P
M^V!^6][;]@A=7:O$T[M.5KMA53DXNWV%Y6C4]?W?VUU53N'/(Z["S<ECGA.M
M4+O66%K4S,@G9,)!/+-&&@PWEX0X&E?S\EDC^.MNQCU:V?3Y:*9$_9)&A[IT
M8[^\DT+7?X6ISI]7\XQ]G\71#SUN!P'`<#Y2P03M],\,4S?];+&R1O\`I/14
MX&'(S-(1Y]0$4:K^QP[GC^/\#8G-C_TT7@86?#`/\J.65`J_L21(YV)_@1&P
MO5/\+N!A9\-8,\J.4+.B?T/]R!Z_X$],K//^%R<#"3YJ['^KZ^9Z?W8%81Y_
M]&%SW_Z:<#J[^0>1U9W;&NL@LQH2ZZ2>D&CL!:6R("D)&S51`0.PJ(9\#IX)
MH'L>Q'>IKF.14147G/:7-;G4:^EUMB`JH<`:$K9'0JA8LXRI*WSZHE2:-GB1
MOI7RW]J>.9:<+@.`X#@.`X#@=@W\JJU_#_S!_C$7XE=[VWLZKQ"_VW_\NXW3
M4GE7>4\Q-_(>7M_U3$5/Z>9V_C5G<>^OG!T.!!='MFUU@F9S=>W5;:4>,IM!
M`:@(=0&0Z2,6WV-TP6P;EZ0B2)Z1/=`089[4J!BE.AE:P/SGL6\.Q33ZJS_5
M6R6&4>&TD%0*JSH9/I4FIQM)[Q3*&O)>U%(F?*19'(V-I14T<`T<`3S@.`X#
M@.`X#@.`X#@.`X#@.`X#@.`X#@.!TM?S:(+,^YZ.%&@G)&%K-_.C(8?7[4YA
M60CE<Y[6^O\`BQA1IX551/3]$3ROGT?1_9R^S^KI_P#P=Q_S8;_O>3_8\[N1
M^#N/^;#?][R?['@/P=Q_S8;_`+WD_P!CP'X.X_YL-_WO)_L>`_!W'_-AO^]Y
M/]CP'X.X_P";#?\`>\G^QX#\'<?\V&_[WD_V/`?@[C_FPW_>\G^QX'XEI[2&
M*6:8`J*&&.2::66)T<44,3%DEEED<B-CCC8U7.<JHB(GE>!U6V?1';MW<7%A
M486WLP3+,\P8H)P1$,PI)D\@\['Q%N18Y6?5%_IYRQ73,QVXG^;CWC_X:Z3_
M`&D?_C/+\;Z,SV?YN/>/_AKI/]I'_P",\?&^C,]G^;CWC_X:Z3_:1_\`C/'Q
MOHS/9_FX]X_^&ND_VD?_`(SQ\;Z,SV?YN/>/_AKI/]I'_P",\?&^C,]G^;CW
MC_X:Z3_:1_\`C/'QOHS/9_FX]X_^&ND_VD?_`(SQ\;Z,SV?YN/>/_AKI/]I'
M_P",\?&^C,]N][^0?UIV7@/D)W3+KLQ<9ZGM.FHXXW'LB8.59";?..&:GHED
M<LT(I!"M_8GI<[G+[99(UI>7JGYQ=%>V6]9,>708FL_6NC!F0>RC'-6OS&>F
M;(K)X=1KD#L0JVP&\-5]<-$=<-;+%(H:#N69H?.OP2F'`W^]LV;+0`3#F5HZ
MAOK\;G+`57?;GYC*3&648UM"CU5MD:0?9QNDE;"1#!)]NT+&X#@.!"=IMQ<;
M'30MI;S4WVDLY:G.9;--J/S-P6+6'W5@Z,G0W&>SM:%6T]7//*0>>)`KFL@8
M]Y4XT$P17(]WXO;ZBKR="EI+8VN4O]8UY,`(OXR#,6>3IKNEOJR6Q314&D`M
MM=$/(&6%"Z.84ECE:Z)$>,,GUYVOG.S"]>)GQ;B']&7Q6>L2;"`%!2#@SK*M
M*BAEKK&Q=76(9U3.PJJLF@W8+5AD*"@B*%DG#A4G<-';9VPVYU'I,MU]`#7V
MU-NM+'0#4^LJ+:5(JVSHZJNT%IL11S6RPOB9:5==/(PB/TQJY5:T)-G>Q<-L
M`[6PQ^II]<#311RG%Y0IND']$T$I$2!S4J',M)960/:U@JS/=(Q8T3W$5O`J
M8SY1=:5=?A+:YAU%-5[NAT^CC,L*:)JYNMR8Q1%C^HZ\<XBV4N5X4L4<%</8
MRLD9_&2)CFO<7"Y_U`=_]):;_)G]0?\`[>_W=_\`27^4'^4W_P"7_P#Q?"/_
MU/6O5=]=FY4.KUG8,(BX/0%ZH'/#;`/+U[KG02W]QF@Z6J*ZTH]A8577YYI]
M$/72G5K[QQ)!BV#70)"]L:QVRX'S7H+_`!L6T(Z]RD0_Y'(U!`)>MO+VS`UV
MOQV4M);2:MRO5&GNI.O/P>P?3"Z&$20@ZU=!7N`@C+=+!4QX2F@^1^CT6I8R
MNZ+S`==7TDNX+M[K?3UFMJZ2+K+HG?=@SLST?5YD+-.!#WB%7CB.LXFV;ZZ=
MQ!`35C:HPP(7SA.O*,S0YOJ?[VMK:.[V%D^[T^JR,P.9SN;T&INZQP]]U2/,
M9V+4`4'M$UHS9Z5A944<=U*B3/B&&T73.XTV\H-8?JP<Q7V-#VOVQB1!LQ=&
MV[5H<7OK[.YXF]A/J:J:FT)M*!!-.,U2(GQOC)9*C2$AA(US_F(6]94?',]]
M@;"/)-K,RT,1/7/964K2Y/6-4U8S9K&V+CC<LCHAHI9&PL?(J(QCG)T^KC>,
M;_Q=%@1$A8L)$P15=)*SU."-41Q0_P!51&3*"4:+ZU1//[DKT1%^OU\HGJ<'
M*Y0X#@.`X'*#!-L9VB@"$FD/_P`2`6&2>5W]U49$USO"?TK^Q.!1':7R*ZAZ
MD^X"N]/!I=/"V1OZ1P\H>@L("&_NMANKB(EN=HT23]V5CB9C8?JOVKOV+F[3
MPU-:ZW^TOF#V=V![]?0/9UYG)6OB^PH"YIKLJ%RKX2ST\D8YCY/0Y6.0*("&
M1B^'QN_;S-MK4DC=3HJ*6CZ9Q9W\=65]<)86K8)'0$L`U$S[%EM$0B*[W`#R
M&OE:Z-\$D,SI"/7#"K7:G48O=7Z_26=0!)<EB3:/*P,DF,OJ,5\EQGX(U5\C
M]3F1_>)^S%A5%EL0/>%8UCI2(@XU8CKG'9CTR`4&)UH<-D$+F]`$0GW,!;!*
MZPBE2;ROOLD6*1%]W]OJ_P!5_=7A&.*ZJZO-5%,ZWP1:HYSD4K'YXA4<_P#Q
MW(LM<_PYWCZK_3QB>ES?:,E?'SI,OQ[O6629Z?7X^UK(PO\`'\>KS]DH_J\>
MGZ>?/I_H\>5XQ/1F^T:*^*'Q_+1/7U]!&K6N:UPM_JA%3U>/WE0>]C9(YOCZ
M>I'>/]/D^,]&;[1HKX8=%$)XBI[X']QS?(NCL'KZE_9)_77&)ZV?T?ZG^ZB\
M?&'RJ-%_!3J"=%4>[WP3_;<UB16]'-%[GU],DC",W+(]$54\M:]GE$_H7Z\?
M&+\JC)?P&Q;_`%?8[S3C^6>&?=@51OID^O[[O98!ZV?L_=3PO_E<GQGL^7X;
M;?R[OA,+B?FMT5L(=\EW#F[O0VZ4Q^3BA^YD"PVHF:]+!+XA@\PLC4FB=]LY
M6R1M\*B^')C?7&EN6M=L[28>O)SFL:Y[W-8QC5<YSE1K6M:GESG.7PC6M1/*
MJO[.>9V54[37>_<X/KTMU5F/*QG=G.'",C,3RK7#]<`'Q&`WI#$15=;EP24T
M+EC]B.R7[B,8)SG,S392O6MI!'#PRD2&F$3D$GV5I8SMC:3:7%J=*18V]J4V
M)J2$DRR3/1K45WAJ(@9[@.`X#@.`X#@.`X#@.`X#@5OW)'HY>H.U8L>MLFMD
MZWW,>66@D*AO4T;\Q:-I%I9@G,,BMDLUB^V="Y)6S>E6JCO'!&L4V0^1&8BU
M&8K-E:6`#9.EK'+2.KM%M0:2WV?<;ZK:K%JMU?:'=:>NZYR.?CN"(3K%T:.L
MY$<R&O8.'&7A&+?LWY3ZA<M#78K980S9A:)MI5CY_P"X'QM=9U6TRU7*+=&]
M=WE<[7Y[19,&_AFMK6H#:+?P0.!LVM=]N.$_Z"UW?UKMHZ+<AF.P@.&I9`[3
M84&RI-E;/CRF$D&T%A(_I_+XZ+4V>HL+N.WKI+J(N"*,5L56.HI1)HN&YO"'
M`<!P.J#^9J"Y".F[)J/5DD.Z!E7T_P`*-T+\F1`BO_U\R3R?1?Z(_I_3ST?1
M_9R^SPZK.=W(X#@.`X#@.!R#&`4N=L]GJK8#*8JDC]VVU%T]T-?`BO\`;8.)
M&QKR;2Q(E\1PC#LDEDE<UB(BN3DMD62UU!?)#Y6V':DA6/P<!V9ZUBE?'*XI
M[6:3:>W(GMEZ%X[WPUU6OH1\57`YT;'+ZB)27MB6+G;:W)(WGZ_>7<=<96TK
MH?RAH.6HC3JL>.;[NWJIJ829YE.H+X+)EX#$Q6L:&^,P@=?9@5TWLQ2;\1CW
M$XIK2WM!X#,7IJFV^X'B(%S.T+;!%812,21CLYV%70O@>V6%6_;P6@CD>O[T
MMBC5]2.9^3A^Y.UJNDMQ\WV#47/6VE*;ZA:O5P0P#V3$1OF:BO!9B:#2C^IW
MA)*THMGG^E.664LL62*<&:WUB$PD)X\K[4C7.;_Y[//K8O\`>5$Y4<K@.`X#
M@.!V`_R^=%2YC>;VQM""9#2,@/64]'6!SVM[?%3VT!LPU/3@QS6!\PT%<LDS
MF,]D:!'S3OCA8Z1O#[NM73ZIS7;`M+L-JY7ZHHC&YASD=%D,[:RQ::RB18IQ
MWZO9U!$#ZE6O_=FK:.56>N+P^T,&FD'YYW98=95UE*`+54]<#4U8,20!5M8(
M.``'"BJY(10Q8XAQXD5RKZ6-1/*\#G<#'6UQ44%<3;WMI74M2&UCC+2V.&K:
MX1LLL<$3B33)81H&R3RM8U7.3R]R(GU5.!"7;>WNO5%A<C8W+%:OHT&F4G%9
M-'LE5KV1$6%>5JK9LH_B88D"H*K"FN:B&,\N<T/U^A[6Y=[FWU]G=Q?\P9MA
M.(RJJR;U12SBUUD=J;/WA?,10I]R76$HYRJ(W]U&A\])UC3W(&6$H+*SZY*Q
M5A,=E[7!A98(FHC+JK&FL*N"NO\`-Z+.34U@%9O64:4&2/WXX9VHV:"*1@1;
M"=`8SKW8#[BFL=,7>1Y:YS!;K<^O+AMWZ.QR]UHM-;.BJ13"]3?7F68:63[S
M8Y2C"7K%_$8D9<L1U5\;<MU'J4U%%K=O:K%E2\B)0W3L5#GQ0BS,[.^V4?-8
MK.'V&J<%E*\(BV,))/L1!(4.E*D@@DB&49)^(6$(GJI?U=NHH:#*P8"C#;!U
MM,,-UX(93DA8&[<9UR47V!E`QZ(8:,?3RW;TC1\BO4F66=XRL+IGHK-](!$U
MV9OM/:`3YO!YB,&Z3*B5X@G7U)-05EG%6Y#+92OGTEO721LL[,B*<TV,02%T
MB#!BPPC+ED=&X8W-8_+6$=@<!B;F:\IRYY`8[K[N0PNTBC_-"5XUE70C7<HQ
MK5KY`I9)Z\=LKY($FAF&?*B_\Q+J7\)^"_/[/[7],_I;U_C^JO\`</\`:#_:
M/[GV/]F'X;_YS^Y]K]K^._\`?/MORG_*'!FO_]7ULL^3).,K*HK1V57VQ6ZR
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MEMIHAAMS;S:V:V,I\A25]'%.\<RZW=Y`.2#+/(%'`V.FS]>>-::.YA$"@'EG
M-E`#%C=&Z.0UT$@B$41\C.J:N3X_=NO8^QT.IDR#+.QUF@(98:,\7)686M>*
MR:"`0&GJO>J7SI6UHX59'-(]\8S'/?ZM_7<;ZL[\ZUT!\]CSG`<!P)748K17
M,+C(0OLZR*)Y$]O:2-KZR`:-JOE)>21Z?<@B8U5<Z-'^E$55^B+R6R+):UJ[
M1^6/QTZA0@`&W*[NV,#7HVHQ)<0.)%*8OCV;7:N0AI43O"JCJV,I45/2]K?/
MGF;MZ:^/MUI]O?,7NCMN`JE?;C8/%DMDA?BNOXR,_4F#/16+'?&,)FN=&LL?
MI]QIA$@[GIZFQ,_9S*M5N13@=YG5(\%()2YTH6`H'],C4!E<7&V0,T6"KC$*
M`,@\-9*(8''+!+&J>E\<BM_8O.OC#GY?*J/M^N-A99;[XN4FC0"VH[":9T<^
MDQEHLLF=O4E8J.6R"?!-7'2M\*RT!G5$2-[$<ESQ2^TN/Z[SVVEFU/7E_#U1
MV&3,I!1D0JOZ\U9[W>N6/<94'V_PMF9(O[]Q5+!*]7ND(C(_;R8LYBYE[0-_
M;N@Z\T(V'[US$^#T92*M5:3SQ$9'50,]**?EM7$UE18P2>MB^U*L$\2R-8_S
M(OCB;2EB]*ZWKK5B/"*CF\HCEC\^F5J+]?*QN\.5OU_QD\M7^A>:99+@.`X#
M@;D_!@BIJN[5TUT4X83.9.\(%B@&+/L+6UM'A405+35E?'.?;7!L5G*^(:"*
M661D+U1OAJN;R^Z_]/\`EOZYG9W)-S-WOW-,["$=59CRD@/6+2`C(S$\HYI'
M8YX$I@-Z0Q$1&U`D\E-"Y9/?DLE^WD&\KNM?@.`X#@.`X&N1/R$$`4>TMLTM
M-B=%<:#/838GW#YA[^[RQYXE@';U%/3VUK117P-,?8T4T#+)AM>#(\S\=*Z&
M&4N''O\`Y'UM%U]TIM_TR28;W9#DY:',16;/OV$:?.P:)E.'-%7D.L;F1I#0
MP_<A$`G.DB826$R5LG!CM+=]W"%EF5B4$.9O&'98_=EZ+0;JIQO7]'BZ\BG&
M2[N-A(+>+#^<DN6-JO;#E%+6&592!XV>XHP_%W\A^I,[K`\/;:"V@U-G-3P4
MM7!A][8?J+\XDS@",P;79@NNT]>Q(?ZR57S$C@^Y']R^+W8O6,,SM^SFXC04
M]*1D=-=C6V9VNB99T+:LY[I\75LMY<X!2_D8[RSO[<57?:L9`T=ST:Q9O6Y&
MH,(AU)\A<MVJ0-6CK4U-O*+:H@K=-76@UQ:4UW;UM@)BBF0ASZZO%IJT6ZD+
MC@@1E/>51"Q^#/$0PV!X0X#@5OW)'HY>H.U8L>MLFMDZWW,>66@D*AO4T;\Q
M:-I%I9@G,,BMDLUB^V="Y)6S>E6JCO'!&FVCKOD'TV-V8N;.W6TM;S-];_HB
M:O=N=QG\C<0$=\W5I2I8:VD[JVU[5E%5E0/9D303%K)=C0QSU0+!7@%XKFW_
M`&C\I9:6,S/YPZLUYFAT(]S1Z;"[@;$Y&*M/THG5(=-88WJ'M'0Z6D[)KAP[
M+3FQS'?AXH'">]1EG#I".$@LK[Y9!P]O:&C66[/RX^RL^ML%;XNMK:396-AV
M?W#BL;FI;X2"*Z'I*'$9+,7;R&22ED36\Y$LOV<XH@PX?W':KY/7)#S[F286
MBK2NJPZT:OQEVRST];O.Q-'C=Q:WQ6\ZMZRM:N\ZTS'L7/MBT(P2M@%GF20>
M:>%XX;#=!+J?[%.K6[BSU=QM8L1GX-A8;>KBI]3/J1P(8=`VW!@I,[#[H]M'
M-%',P1K286,F1\R2>_(2I,_LOKZ!SXCMGFZDF)SVS@7EN'16@KHUF]33*JXE
M!L0W>D=[D26)GJ8WU)Y;]>!+Q"Q3QH#021S0RHF3C%B31D#$0R)ZHYH)X7/B
MFB>U?*.:JHJ<#KY_F/YUUAU+DM'$Q'R9S;Q#3.]**L0%[4GQ2R>OPKFM4ZO&
M:J>41RN15_8G.WTW_M9^'/[)Q*Z6^>EQ.`X#@.!RP0#;,J(*O%G,*F=Z8H!X
MW22._NKZ6HOI8U/JYR^&M3ZJJ)R#+]D7W6?QPQ_ZZ[GM63G3LF3-8.LECEMM
M'90-8Y01F)(W[EL+I8_N)55@@S7(LDCO4UKLW;TW-?;HK^17R:[!^1FC8=HY
MF4N1J)7MR.!J7NCS^<%]*Q1R>VUL265Q+"OB8R5J/=ZE9&V*%&Q-PTURX'<9
MT/=O#PO7%@DO[D>7I`YG1^6^(1@H`W?XO[WK'6!'?3]KV<ZSJ.=[JP>RJ-<<
MA'8U1"S]"%E,?OZX9%\XFYM"D;%N*^!B?3':(^=&V<;/*5UC*A#4:-.](9U?
MPN,_M)JC>-(I),QK:RHWF'LFL<5G]($->U4\;D5T1$,!:21LG8C_`%Q3PNCG
M8[PYLGT1.6R5);&&F^.]/:QI;?&_L\OKJU:B.AZR[#,/U'7I<Z(BH#3:`I\^
MGR['JB+Z5<1(YR^EC6M7SS/,_37%57=]O]I=*6,%'\@.N[W%K+(V$34#Q.U&
M(M%\^5D#O:QTTK)/0J*H[9"IXT^LC6JOIY9M/*77TNC+=MY+5AL-J[`0X9WI
M1Y-67#8P1.<BJC2&Q*TD65?"^8WQ^M/"HJ?3E96*)8`G-]0A4,_T\JV-Z*]J
M+_KXU\2,_P!%$Y1S.!^)&J^-[&R/B<]CFMEC2-9(U<BHDC$E9)$KV*OE/4US
M?*?5%3Z<#MG_`)7F`#H,EVKLF1S$FZ/0Y_/$W5@_[JS/?F:PNQF24M_CVQT?
MJ6N:/"R$2%5\11L;^ZGF^[N1V^OJUVG<XNB%W&_S50?-21DD7FEB:GJR^:$G
MOKZ%\H\9`OY,0!LL6=$,;/$UAEI($`U9F>N=C7([@8Q5[(TB/:QM=UQ5R.>Q
MLDOVFKV\H[W1M61D,;G8S,6,'MR+&KGZ4>5LC'/9&K'1N#(U77^;K;"&[*@*
MT6D@?--#I=27)>W`<Q3/0:ZD>9Z@LJ,;^V02H@`"_8C86HB(@3;@.`X#@.`X
M#@.`X'__UO?*E+3-"+K6U-8VNL'DR'@(`*@1LAKE>9(6*D7L$O+>Y5E5[7+(
MJ^7>>!]?Q=9Z2F?C@?0<.@AK?M!_28*U)T:,4WV_!`[4)D1&/\M3W'?3]Y?(
M?M``6E1G-"$:;"(\"$Q!H4*B!?)%,\*,A&>\P1\T#'+&BHQ7,:OCRB<#]*$&
MKX)%$%6068@D:18(O6.04DS2IX'>CU0S$M(D21S?#GH]WE5]2^0Y/`X-I7"7
M%98U!\23`6H)=<;"O[)1#AY!B8E\HJ>)(97)_H\=<CR_[+,G8O6Z;(V2*A^9
MOK6B*<K'1I++5FS!K.QKOK[1"0^MB_5',<BHJHJ+SW2YDKS7BV,.#7'V<[1:
MX,HXAWU2$2"2>3QY1%<K8VN5K$\_5R^$3^GA%EC=73U]:3?[B\J,;05\"EV)
MUF:)$P(5GA7S&ED3P5E?"B*GE\DR^E5^K?Z.2[3PU-:U![2^>WQZZD^XJNH<
M_)W#KH&.8S1GR/#R`1:>&MD2P(&0FT=`Y5<J`BQPRM_=:4GGRF+;6L2.K+NC
MY6=X]\S31[K9%,H)'>J+&Y_W*/)0-21LL;)*H:9SK1T,C45DI\I<[/Z'^.16
MNG`<!P,_E`/RNHS=7Z?5^2OZ<#T_M]7WEB,/Z?']/GW.5'=&`2H9HI2?^[D1
M2JB?ZIK'HKV_X',\I_H\ZN:;=Q9LZ]PB;?-BN-VG3S#M(*",U/N=5UN>L+M_
MEO+58L\H$8\5P`U?<5I`TB,:JRN\YO%RU.9A7V6U$1`E=H:$MI5=9BCF#O:J
M^R6+.Q)&-E9]%:Y$=X5%1'QO\I]%1>:9;$`W>6W65)QN[SE=N<*>J-LLO=L]
M<M=,[U>#:8UCF&51T*N5\,X\D;D=Y5CHWJKDS9G]K+AK/M/C1VCU0+-MOC1>
M']M=:#.^Y.ZKOYW3;O)L5'22#T!,36$6(PK6*D447@CPJ>F`M?5,N<V-8E87
MK+Y,9[6S)3E2RUVA@D>,9FM`B5UY`5!(L,XXTTB-@L9(I6N\QI_6$\?OL9X5
M$W+*S98V:KKZLM$1!R$;,O[1IO$4_G^XUJJJ2>/[K%<B<J,QP'`[6OY8_4D5
M50;SMV_]JYT][:#9&HN20FC_`(NJJ1TL+H;,BOD)6GJ+4ZS'9,ULLLQ#P&>_
M+*Z)BIYONO,F7;Z^K7:QSBZ'`_$DD<,<DTTC(HHF.DEED<UD<<;&JY\DCW*C
M6,8U%55541$3@05W9^$>OIK+^+32(UKY8,2%9[LD6.1J.BF/%QH5Z17CSHO\
M.2=L;)%^C5547@?QVIU)RI'1]>7#?=:V46RUEO19REF'<U)$?,VN,T^N`(EC
M7]R&>F9(U_[LR0JB^`."[)LG.6>]RF7$G<L<@5/26&DN`X$7T.GK]1;V-/4J
M=*Q/<9]QGYH1WN1CF$(U7/"44]<96#S0&W]MHI)"9)V%W$-%`0/$]D3&A0MS
M]+1B.&B=&KFK)$^97/=ZI%3THT*KG^/W691UB:57W9;#R+TP>K+U6D+HZ([4
MWT&FT]AFZ0FSEK*,Z]NH$DFE@C:^-DDT,"Q0D$1RER_F@^/O6>ER^1QUD!>1
M46*R$_7]/!4ZW3414F),!H@#LW8V--:@V!H1C,O6RND=*A+"`HI8Y6/17*3+
MGVW26&N,_F,]*W0`QY#)R86DM:;37=->,R18E.#:T)]C6F#.MJ^Y$H14(84V
M5/=B9/'[9#(Y6%R@;_B/TDL]I-!27@D=U#;@6PHVMT:"V%+H+&DM[VC*9-8S
M/EK[.SH89E>KONH/#60311PC,@&:OL_.5-G=4&@+@?):9G\K^'F;/+&R#\R(
MP*P]R%CTBG]T>-$3UHOI7ZIX7A$"'Z1Z[%V51OX*DMFII[2VO([%+>T:VPN;
M>+:C.LKD1I31+8BK![&O!@$F8Z,$:R?%"UC(X&Q!;7`<!P*W[DCT<O4':L6/
M6V36R=;[F/++02%0WJ:-^8M&TBTLP3F&16R6:Q?;.A<DK9O2K51WC@C4'4:'
MOK)M+=T-2:PGKZYL!'TEKW7)W5H=*/KQ*$OW*Z>IL\%VUV]3]6Z&V=7L)EL*
ML.09]=:(.0&VQK36EX\N+C3>_I*;-5]A=]O5]71=L9HO3FIUZE=>0UA'9&TI
M"<4)#<9;1V>QZZ*S3Z4\^V&268=7R$??#AOD"K8O":[3*=Q:?NS9465T^NHJ
M*[J+Q"-:MIVI6YK*YXSJZAHZS(5%%*+38([0S]D>F[9H,Y9_GQQ93PW3U\L$
M3YJG#+=!VO=5+IP,9V'G]7=5ECB`[6'<7AUZZ&EKZ%(*/.U$\%A`8!^;O8F3
M65BP^S+UK3#EA->:*'";P5N+PAP(<7UWU_8%3''X7'&FD$*6087F:0DJ<ITD
MDSB9B)@7S2D.FF>]7N57*YZKY\JO`H_Y#]$T6YZ5["S58W3M,7/3V-#6![?;
MQ5\5EGG#7537UM/%H$JPAY)ZF,>*&*%D4<<BL8UK7*BZTN-I?";<ZUYYA8%%
M'C'<005[2*U)RG,>0YOJ<K&R21QQ)(L;%1J.5%>Y&HKU<Y5<OM>9R.`X#@65
MD.LKO3^T60CJFG=X=]X1&OO$L^B_U$9RM=*UZ+])'>F/Q]45RIZ>9NTBR9_2
M%_(SY2]5?$2BDSV?$"U':UB(C@<RTE)"!&RPM>/<[0Z'^-75BJYLD0K5CF*\
M_P`%K(U?,S%MK<DCSU]G=I;KN+76&W["OR[^^L%1B23.]`=<$Q[WCU5."SP-
M658BR.]N&)K6^ISGN]4CWN=%5]P'`[6>A2?NNHL3+ZFO]->6-Y:GA$^SMK`3
MT_\`G,]CPO\`?3G37J.=[K<G!7_]3]J>$8^."":JM*PZ)A(%O2'0/&)KK$65
MKX20#@GO@D8Y'(K4\_M\<MF4G#6W>YK_`#?-#41,((+Z#W9+X>O]"8Z6>7KK
M0/5\T_6FG/D5_@*!K)'UA,SO4HS/2JO9&^2.2XXK5F>8F01Y0$S2`YW0R>/V
MM5%8]O[?2]B^62,7^XJ*G-,M@LGW*L];-E]>!6:3/'P*&=0:2""QISA7>E'#
M)]]$2R.)R-1/9G;+!_<;Y7F;K*LMBJMK\&.F>R29=-T%K+7H[?\`LR2MHQYR
MI<X20BH]6L":6RPKH9U;X<X$F0>)BHOVBJBM7.+&Y96H.T_SIOC21Z.X<&NK
MRH[T;%O<XKIJQS/<9#%(Z_K1$%"<]R_PXK$0,J5?KY_IY9M[2ZK%P/R@R&G6
M`<72-`/D]*)3:MK`R7/7PUL<!CY7"E/<O^*R(ESU_I:G-2RLV6-B(^PZH<=Y
M-RC:P>%B/F-?/%]E$SZ(LLTDKHO9C\K_`.5_AY4>A?XB.M,W\?\`!U>0QEM<
MV-W7R:VPN]"PK"Y12=.Z6Z`:^PMJTK1V,?Z?>'%&55U%D')(K469B>XL?C^R
MYWKT:3&L;*_HR_O/#]KLK$F%6N1:#%*;AZ+]Z)K62$V`-B5M3BX7OE:Y4MH`
M)V.9Z@D>Q'KAI+ZZKH,K4H%4UU/FZ*NBGG02N$"IZD&%/603,D`T8X8L2*KG
MO=X:G[57^E>!'5[.Z]<CVA["AN26N<QM9G#XM/=D/C=&V6,.BSRV=R=+![B.
MD;#!(Z-GESD1J*J!_?UU$2[VJ7*[F[G;^]-%^F#,NV"+WO867[S?.R%>5X>B
MK[8\TTWH3U>CTJBJ$+[2MMS:=+]R2YS+:O.ZR+J_<?HP>&P`DU1FI7+7OXIM
M*F(L]'.*<RQ8+]I)!,\MQ$G[D2.8U7CTH2Q!^3.2I-7EJ,V*S(`KNI3L0TIO
M8FW'KM-V)\@=$+>A67:=E:`:S;YOJWK^K`D/:4-$]PA,DQS?L9(Q&EX03<=U
M_*;45]<#ANNMIB2-SCNV38FVO5VJ?;9"*?KWNVUZB(&MHZZSSU?MTONO*!+,
M*^(JOM"-'")&.5.1"@HX7OTYV5W-K.R[_/Z_*%UF!K,V034:"YP>SR%K<312
MY./+6WW%Q7BT<IVPK#K2QLZQ/M3:%Z"U\HK2!S99!<-><=VGW3AND^L+%]#K
MZ:V*KXI.Q[#L:@^079=O/MXG]-5*5MD3V95X>SP%?HJS17Y3I1XI\T!9UK6C
MDSJI`Y$7$M9[L?M+Y&:'-Z^IRF7W6;TF9S=XC;^JZMW[)(=F+A?EDXF+-1%#
MQTN^$6RPN/A"D@9:ULI5V-*.LQ!(+HZG#8GIS<;_`'%QVQGM1ZP(.O+F+%#W
ML.>DH+(Z\M_RN[K+.$.Y86*2P?IK9X>>1R"M'AOI[026/W!GCP!3=IGOD*F+
MZ4MLMJ=NS1U<6MS%X!;-LRKN4BV?:CA['1UMG&-F-!+0T(+S(H]"L`TI<(\`
MDD9)K%4<9OIPO[=.S/PGY3_-T[9^Z_LS^P^Q_4_>W[?[0?TAZ?1_8U^9_4WX
M;_E'\G]A^HO]5]O^+_Y8X,3V_]?W\<!P'`<!P'`Z6?G74=28[L2U[1LK(,D.
MU'&$T[I;D2@Q5!JJB&.N*@T^LD9'7UME(#&)++6P2DWDGK=+&#/ZT\]_KWOQ
M^/ISVUF<UT[]H_S/<5BZQ^<Z-QU;J+I(7I+J31+&APX93W*YGXZGFC!U&G:.
MQWMOF)_$K,]ONHU&N]MN_P!I^G4_VUW]V[WA8I8=E;6UOXXGJ\*F:]E?G:U?
MV(M?05[!JL>7T^&NF]I9Y$1/6]R_7D%.<!P'`<!P+7Z-K_R?;.'&\>?;MUL/
M'T__`,2&5:^?JJ?XOV7GEG<2]5VP<ZN;83!Z":O9174*))*%Z8YHG^%:1%$C
MPRQY?**GH,&]37?3]C^2\C4K6YF/H?NNQZYA\MZQ[.:3O^F3G?NBA1V+ON[_
M`!4:^59"E2=*[[:+RCFQ+&KO+R$1,ZWQ6MIY3T`\FM)84+(K)&_XS?JK)6>?
MWHY6^4];'?\`\/VIX5$7FV5\XW:E03,M*0N0$^!&M)'1R.16JJ*L<T2_N$BR
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M>E'I@>#K3JW&X3-8O<Z&7.U`T5Y-%G69!K[T]9;"X+B;V2;B)3X2[:>=S%&^
MY]J/T-D5OEOGQ[;?+:UZ-9B2+.]_LVQ:C8:[%Y1KG.E88=87.U*;#X;[095$
M&'BQ8"Y$>JRR16Q,4+H_2Q)T?[C,J?I&_L&I^H-_H9VS.<I]7FAJK)TTS/#6
ML@!(&$/W%7$U(T>YT=ZL[I%?_$2-R1-#Z,ZSPJOAG/SHFA+&<U1;'83&;6U$
M:R198X@[;7$W5D(/',Y7MBCE;&UZJY&HY550G7`QC+JFEM9:*.VK)+R`;[V>
MF8>*^UA#11VJ7+7-E4N,9'%Q)[BL1GF5GU_>3R&NW9GR6J.KNRR,5>4XA%'3
M=>#]DZ:U`NCS]G7YV0+M4XZUJ>N*O,6)M]0T$/5LC3RVGP/CFL1H8H9YI(XY
M"X22E^0V#L[2QHB76=?>A6`P24LE/>/LOZ[G]YIQH31YJD3[*VCJ>L;UQ`J+
M+[4H*1-DDDFA:\80*E^:73%X2YX1&A?GIJ>L+JM3'1E&5-UH"]IVEA;'%UK0
M$**)T-';]07<D[F,<$\,.4B.=T$:R*,5--#W[05VNZ6HZ>PP!.>[CR&KWE9J
M-3V"F-6;,9B7KEZ39&HGS-L[86=C5]A,,:.\BM;%`*JOD\/\L&'UJ/DMU3<A
M:@^`[2!08^AUNHNFW>*UF?*9G\7D^N-S<6HH-U4`&&#NRW;%$5"D<:R2.*?`
MK6DC$PPC%1F/Y7X`76Z_*Z"NT--'DP;\U=/'4V)^9N9<[?\`<=4?1U)?V`AY
M&D@"Z3MYU%098YI898192DC;+*,+-W/99>+TE'1LQ=YHA[G,[B^C,I9P)C9S
M\=4LMX<S3T:R_D+6YNX$>R+U?;P-D6)J/D<]R1C"$=2_(W,]G6`U"1^!S>BG
MBLH8*QVN"/\`U!;5EG>M(%PC#`:.XV%6S)5(N@<<P$>-*BY`E1CO<F2`8;&<
M(<!P'`<!P'`<!P'`<!P/.=\G^K7]2=SZW.0C^Q1V);M+E_2BI"M!>2S$C#PJ
MY$<K*HI)@E5?JKAE7ROGROLTV^6LKS[3%K7[FV67IJ*VT!C0:@*4R=?"O]"(
MV*!BKX]PB9RI%!'_`'W*GE?HGE?IR6X,9;*8_J6JI/:.N_:N+1OI>V)S?-:(
M]/\`^G"]$4J1OG_'D3QY\*C$5//,7;/3<UPT*^8O\PJIZY_*]9](&!7N]8UX
M-WLX_:-H,;,OEDXE6BM>+>:2!O\`C*GK##D7TO\`=E;)#'EIT-VUM:7UG87=
MW8FV]Q:ESGV=I9$S&GV!Q4CIB2S"R'R3D$3RN5SGN<KG*OUX&.X#@.!V??&H
MCWNH,['ZF+]H7?#^&_M;ZKP\OTR?5?W_`.M>?Z/W53G37ISV[;+YNR_&6D,C
MW>()_P"K$>5\-;'(YOID7^A/:D1'*O\`K?/]WFD7_$%E]507_7'8(*6F!VPG
MXZZ&5R-EKB55J@WU=*K7J)8UA+&2,E:GEJL:[PY6-;S-F?VLN&@IH>J^.78J
M](=IG./I#&-)ZF[$F;Z`=-GWR^R)7FD^IT4-B'Y;`^-SO5!*B,5712#2/FM\
M5;/,6[S;*44FJL:=\3?6^<:-S7,8LCF3#JU45KQ9T_?C<Q4\HGU:B_L\+]>!
MM7BN[Y"!%`NVLTE3+"HQ<)38EM(AI6+'-$0R;S%8PR,>K7)-Y23SX]SQ].9N
MOIJ;>U-=H_`GXX=\CE7W7,J=6:N1CY9'Y82!*%29/JU;C#RO&&@8UZ^/-?("
MUR^55TGTYBRQK,K6GH'^7W\M!OD]T]U>2^NM^L;+5*5?;H>.36Y6@QE/#-;Z
M/U`&+7W61L[:GKU$@>UP<<I\\$#)Y?5Y27:ZRU9)>'LD@S.OEA@B.WBU3!&P
MQ##X;*45$"L$7J:D)(VL3L&7TMC]#&(/*,UC6K]%\IX\SJ@'8Q6=ZZJJ^\V!
M?<>N6UNZ+---R]QI(9V6>BM`,QGAR:7!V.2HP6V5U<P#,FC#9YFE1\KOW?6T
ML?#\[\;:?[,S12]3Y2X;^6,B;N3\.#J_%!<&YRTN3"[:P(M")HK2GDC(*EF?
M.D\;FD.;.U[&CE-*WNGJNSFV([-YE`R,`<\+7P6>@IJ^:B8CQ(X+*RB(.8\*
MG/D-B:,5,D<,ZO1&*OE.$P^EOW'UC2'@UQNWS/W!5@*`8L%[4319]#\3J.PZ
MRPT\K3?3GZFURF/.)%))]$1#6(K%<U?4@PR8?9_6M@4(`!V'ACCC\[^L`0P]
M;0$E&Y+[>(O]4B#PV#YB<[]K.R7[YB.&]M[7>OPJ+P,&/W3UV=D+?=UEXRYS
M%1IHL>EG1QK=PVVA+NJS-UH%&^J4R.T_*7]R,)!(QWM>[+Y>YC&N<TN'[/[?
MR0N2P6R`BT&BK.SOQ*X8.@H3R[J];=92SVX;F51,89(/C+4Q)<J$I"Z)L*L<
MB2*C%&&8?VCUG%(5#)V)A8Y0=/\`HDV)^NS[)!-F@I)RY$ICK!'#Z?[(*:;[
M!Z(7[43W^WZ6N5"(X;W!TW;@,@'VN(VPYUCE*UU307F?ULTBZO=U&`I#B*P$
MTQWXJ/8VL`\I#F^U#*QWE?6Q4X7#.0=M=5$NJVC=F=?$.O+N?-4K8-GG)77&
MC%(KQ"J"K2.R<MA=C%6PL4@D7KG9(3$U6HLC$4CAY7<=9E6^US&)-H29\E%%
MJ]@S)1`&`CV>NNM@M@IBT/O^_JRKG+6$UA"YBF+-(U\B.?,GD(S+\C^I!@<A
M:G7YU95[6DNM%6V%MG=!5#5=/0PE2FEZS\C6C2XYTC@IHH(K-HLTY$3X6,61
MKFH7%6;^J(/^9]-_DS^J/\G['_U'_,__`*K_`"F__P!?_NC_`,GA'__0]<DO
MRWN<`2_-62C]N:LO5Z(0N[J-;A(>M8R0UJ?P>#P.DH*&N@%UNA_)JR'.:4EU
M]5.&(D)+,"^Q./+A.7_,``.GSMY9LP,$6PJ[4FJIX=PUU[G]6/;=55]=U1KA
M"*X9P/:#P=V>695L:A(OXN6-(GMAE(X,(C=_)OLR.PSYB#8W+U%D?G7V\9]R
M\P"'-WXORG!HX:JS,SM;(!N]+H.HZ6"%I2F@//.@!@A>]7S&1<,):?.>PH5N
M'"UW7&WK:JZS.4^\KNP!ZLZKU!6-U&NO:'9.?73`U9T<]0!30%-B'$DMRK"-
M(TDJ9!2!A?75'=NA[([EV.6+AIJ*ES6<O?\`](17`MIK:FUI.SM%BXC=F'%4
MPNHBKNKH&6`<41I(\HAK?2CDB8234QPNNUQ]GIS3&:;1DKEGO=&-D<\R:C'.
M$5J-5NJO8B9;RY]U[?5]N))6!.BD<.3"8SR]Q&M'SE^(F<^5OQ8V/1M8!3T=
MT`%!HNIIX0Q@:W-[K-0D2YZ.&*!D0];5VT,T]46]C%]D$^9S6*YK4YK6XN4L
MS'^?S>T=QF+NYS6AKBZ>_P`]:V-'>5!\+ASJJXJ2Y@+.N-@?X?`6":.^*1B_
M5KVJB_LYW<V*X#@.`X#@.!L?\60/O.U(R/'G\5GK@_S_`*WW%%J_/[4_YR\?
MT_M_T4UKVSMT[*.=&%F84KUBFAJOUAF9.SS_`*V=GH<B?WFNA\_^EP)#W)U7
M+W_T7<9:H8O]IW6!+MYU86.K&6,A8OF4ZA'G<B2)';(BQM;ZV,^[<*]WTA3F
M-ISEO6^&H/4784/8V0%M)?1%>`.2MT02)[;A[2!J(^9L/T=&.<SQ*Q/'AOES
M/*JQ>:ERS9A;0AA`,["19712QK]'-7Z.3RBJQ[?V/8[Q]47Z+RHN*BOX+>+R
MU?8-A1KIH/5X5%3Q_&A7SY=$KO\`1:OT7^A5"^J/L"NMJDG'=E5@6HR]G!]B
M6EJ#!:0R"N5O]7M@"8IHK,1'-1WE6NE:J>?WU\>,77TU-O;0_O\`_EM^'/[*
M^*MU(,0SW+*/!S7+XO#O0]RNQ&IE(;*/(O\`BM$.E\>7.\%-1&Q<STUVV;_D
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M#"10P-<[PGE4;]?'`CUYU]D-)^L?S51][^O\:+U]KOZ_9C_EL@%^JOMJC^J&
MP?8>W^MK/^L#>R4OW/UD7VXO;"%WWQ[Z?TUA;VMYC8CC[ZEW.?MB%NM&.IE9
MV,ZH75M<P2X@BB.);31L#,C:TRJBG+C!E&8>:T@N6!+^+/2!XT`QN8O"D'FM
MBHRY^QNS9+13KO6ZO;'6<UR[8K;$6S=!O+M1BY)G$A!7!H([X@B9AWC-6!;]
M5XF\N,;>GA7"6&"I[C/YQ*_7;"GK_P`#?RYF:XI;^FI[X&GV%4?)CZ[UCW$!
M\7B!41J)+,DA%6!?%#J>,78U=D+H[.FU6C,N(@TW?8=>=6TMIUKU]UK<XF>_
M!V$=[=XVT`Z[#(DJRIW5B21#^!D<&/(TN60TWQHZZO[_`#U\,"^JGK-S1;JW
M<RQTYL]G89G=[?M.I;6LGTS:6BFF["[`M)CI_L27ET]@75HD0LT?L#*[C<_4
M6-O1WQ@GO6V<_)?AB_N"H_L_S`K`['^!%,P8C[@9B-_BLD]'CRWTK]>$0D?I
MKK</54^V%SSQ]-1V%S:A6,-WH8VS65\_7O..M@&VR5M^5"N_ND#>?"2M<RT(
M:)[+9')P+/X#@.`X#@.`X#@.`X#@.!H[\Z.D)>S>MH]C0!N(UW732K&.`>%9
M"K;,SHQUW71MC3US3@I"PR%/WE\12L8WU2\Z_5M\=L7JL;ZYF?+J4Q_45G;>
MT=H%EJ:Y?#VB(B)9E-7PJ>6/:K0HW(O[7HLGT\>A/*.YZ+MZ<IK[;!QPYK$4
M91#GUN>H:H:4VP/,(B#$%&'C5\YMC8%2-:C8XVJKY97_`$1/JOCF.VNG1S\Q
M?YA]AO&VG671)IM+BW_<`:#>,]X&ZUL*JZ&8*A8J1E4N=G9Y]<SO088QR-5L
M$:/;-%=3W`<!P'`<#LC^*A'O]721>IB_9Z:V'\-_:WU#UQ?ID^J_O_UKS_YJ
MISIKTQMVV4YIE<V8LOR-7%ZW>2!?`T_E?WG>AJ>U(O\`2ON1^/*_TN1>!--G
MUGD_DQUF9U!M'0B:"NCGL.MM:^/W3J&VC@=Z8FN\MEG"<QJ,(&]7H(%^B(V2
M&%[<;3RWK?#K;P>SU>#V5KT1W7&^JWF9,;5UEB6]SH;R'T->"Q3I$8ACCQ'Q
MS`E>$0V"1OG^-X]RRYXJ6>8V*YIE]H")A963CROAE8OELD;E:Y/[J>4_:BI^
MU%^BI^W@6;F]_.(1`\@B:O-B5/9LPWO@\.7Z?Q?:5KHO4GT56_N+Y^J(G`[M
M/B-GJBHP\O8'?V'J:BVV,0Y%!L-%FZFPS4^+B2/\;8V6LBC*!SDMO)-"YK+B
M.J]]KH&C?<+ZU3R?99;B/1IG&6_L?7O7,T<<T.'Q,L4K&R12QYJB?')&]J.9
M)&]H2M>Q[5145%5%1><V\WV_FEPE1H,Y6Y@9L5#656KP>J%@J0QH((YL)O,]
MO1@HQ8V1CPCV)V?;#*K416LF<Y/WO'"*JKOCAG`-*3IG7!911.NJ-<L4]>"K
M6%4O:O=G:P0S9519/:BM.[3!V._QHXQ(WM\/D?PN59G?#*L,`FK6]AW88=9H
M1-EBF5().7)H-.,O7SG-N+C$Z#+:#19AZ];`^@*(RO,B4@AS34?%6.K1E)$^
M*M?790.@R>UMLC85^_HNQA+6J;=JU+>EZ/K>D):F8J75_K5^?N*6O60ES+V.
MX;!,Z&"PAD;&2P98RK^&V4"S5IF2]CICX;NVV5G:6DJ0S79#=ICNY,:=`ZUM
M9;<TJ80;N8TB(@MY4SR!V.E619)5<,IM:_'QM_U?K>OK_1U-X3M-R7OM!):8
MH(S$7!MA?!WEAEKWK^6W6.\P=B@JB$`SV*ES#/\`4XQ24^X49?NK^.-$_'87
M%;Z])[8K,3O[_=R2]A5%3?S:E]Q1[>E`J=1"=$2#9PYF/:(@)#HON$BK!/==
M+.V4F4918'XJ0NU=IL=)V/IM3<GOKV1$6BV!SH!JG%]]8@.1C;R_O8*ZP(K^
M_#YB8ZF.JI_>$9]K7",EF8X92,?XT9L.,Q`;LVOG*TV"TS3`JNIC)&)P(WQZ
M$!AA]P>:!S"X/CM6-?[C'M:TAS?2YL,3>#*%Y7XA!4C]!87G8VDU-_HY;R8V
MZL_RMB7%)=5?QTJY)!3=7I==?,5J?'&N)>UY[XON[`AT3(8HQX8QG\+=ZGZ;
MBZM-L2(M'->#/Q7777-&-+4AUTE5D>KFZD?,1'E#32ON[R8/4/::8]L+9I(D
M6*&"/TPQBUCS_CUB[?,X/.6[(;"3`VUE95&CDJ:Q-4'%:$F6)@-%?N@DL,U"
M?:?9..^T>UMB*%]H2V4::6-1E4G^9W_R)^'_`+4;G_)G]/\`N_A?X'_>%^NO
M'VGYW_Y-_P"Q^Q]S_=']9]W_`-CPC__1]7-E\G>WQL1#316XS>P\]LJ[8Z70
MOSM9^.L>E-GVU58+$AMKXQ"@*NSL;34&4XDSUCG-_0]H5^XZ1K5C6.7VZ[^3
M>D7.=?;+L7M^HBQ7ZZFSUN6)INEB]1JFV69Z4LZVP0BKS0^8U."RUQL;ENDD
MS\-1<4HDHJ2+,X(R>48_"P,Q\B>PT[,P%?K!+\;*VDU%E]P$_K:^AJLAM>YH
M[;;XNGO-^'4$YP2VZR%-QV-^U4N!]M8:J<J9ON#1-2IA57Q]^2_8.OS?3-_N
MNU:^SK=-K,O0DQT-[TL;KMK;;?%=#EU0@H]-F(J.\RV8V6PO8]&+31U>CI`"
MZZ259612S31;&Z'8=SV</V"N7Q%W4L?I.A.XKK)U-A4C-B#[*R-QUO79FXLK
MF9Y4A%9++N?;D&2%D3&Q*Y_NJY$CJ*RZ1[]T%ULZ_KOL2.TFOM+23V^')B#R
MJQFY&EM=K7P:K3RTEC!*5=Z1V8(:0?25\V.]$%=.*7#^;!'F%C<OA'E^_GB_
MR^R4+-^:O45(LPTT80G?F<JA/WQ986,"K.U8!H&_OC31-B#O%:B+&]L!CFN1
MYL[.NFW]:QM/+S'\Z,G`<!P'`<#<;X?5_N7FUM?'U#JJFO\`/T^GY,PHGQ_C
M(OU_$_ZU?V?M3^G>OEG9OCS;"4X\K[>YCC5?#2X91U_N>KPDS/\`15T7A/\`
M#P-@<I?2YJ_KK>/RZ,>9&%1I_P"V#F3VBHT3]BN6)RJWS^QZ(O\`1R69BSAH
M/\KL2OQD^1(G:M!"J]1]XK,=;0AQ^1*V_?)&3>LACB:YC?$Q3+07Z-61A!$$
M:(V-5YB7%;LS%DP3PE00DC2QD#D11SP3PO;)#-#*Q)(I8I&*K)(Y&.16N151
M47RG.CFY8Y$XDT9`\CHIHG(YCV+X5%3^A?Z'-7]BHOE%3Z+P+?H-#!<1^V_T
MPG1M198?/[LB)X19H/*^59Y_:G[6_P!]/"J%[]&0:#L'L8'J3+Q!W!-Y*C[C
M.7PKUJ4HXE'DLM#-`;!Z)ZNLB>U9"1VRL6=&P_ORJD:XWNLEM:USGAW\Y;IJ
MNZ^S]=1==Z719.&M%>Q`T*9?YP\Q7).QY6<T3;*&HKONU>KQJ2:G5T,JQ-D8
MC('0^2W-R]"0K<=A4B*VXR@.O&8V5&V6&L!JVT(D]22Q/GR.O/""K1(X/5$Y
MT-_8SR2L:YL+6RN;!!E:C>Y*[L&TXEPP:]>R6:/.78A^;TTHT#(Y)38LUHA:
MN]EKVMD3^L-'6!5\HCU5JH@2_@.`X#@.`X#@.`X#@.`X#@.`X#@.`X#@.`X#
M@.`X$9TNMI<M$&VREFGL+:9XE'0UH\EC?:`QC6ND%J*H='$%(/&_W"9E1HH0
MZ.()EA'9)*T.I#Y8T</10)O>79UI'UYU5]W^1!RU/8/G(JKJ9\TX>?T%E6HV
M2_N+)&H\:IK5_'1R>^.Z6RABC)YVTVS,7MC:8Z>8#Y9_-;;?(^RGS]5]WD>I
MP2T?5Y6*?TFWKX'>8+?7D0/6,TM7)ZXA&*H@G[OCW96K._;+2+@.`X#@.`X'
M81\12/5A=&+ZF?P=9*1Z47^(GW-/4Q^IR>?*,=]I^[]/VHO^ATUZ8V;7\TRD
MV4LOL+1D;W>(#?`TGE?#6R*O\"1?Z/I(OI\K^Q'+P+H'(G$(A*&E?`0/*R:"
M:-RM?%+&Y'L>QR?L<UR>>!B/D]\?*SY:=;0ZW+Q#5G>6!#<VKGA6(5U\/"Z4
MM,T:4Y8W1BG2^N>NF>Y&B&.>WU(Q\SN<K,5TES'79TEW&7<3S==]A>_5[VD)
M)K&I:0/"+LI:Y[AR@#X9T9)!HZ^:%[)HGM8^3TJOA7I)S>MSQ>V;/39I[E8Q
M[FL=(YK7.2-BL1\BHBJC&+(^.-'/5/">IS6^?VJB<TRVX^%72M)W1V$)H.PO
M>S/4F,/CGT]IJ@3:*AO[T5("@\"-H+$>"A)..21LQ4<1+U<`R18W>7QNYR^S
M?XS$_DWIKF_AZ=JPNL.KPRZ8D$RJF'C=7DUDPY%?**C4;"X.85SQI!T8WPU6
M*K?"?3GE=T(DZXKZZ:0[#V!N!.=ZWO$HF029*PE]*JGY;%%LDH7?<$,B<24`
MRNMYHXDB0Z-BKP,M1&[-AGXO44M9*QHTDL.JSAJ-J3)()61K&?G[69MS0&FL
MD22&"":X':UDB2%M<D:2AIKUI\K>Q),52:;M/!!/;;X0/MJ6TI!A\%'%UVE3
MU_#>$T.2O]QN[G56=?J=G)&&U"P9+$(1ZI!`1)5PW!<>DA(^;.4#%+E)P.T<
M:(73U*TU>,EM<$WYN*?>7M,'75L!)9)&,W1=;DK5R,](=W91-D]+47R,+-Q'
MR!CT\FG(T&)O\!18?K:#L#66VM#T%*<,C]IVID98:K(WN7I-D31H+U$?;P'G
M`5DYE785TD(;W3S,%&%=8OY$[JRZ<[OT.OJ,Y2]O]1X:UVIV&_%6(<6>9+C+
M:[S5=K`X]3?LG?87.;/DAD#M46PH7@FJP&4MPHXQUZ?;3_(W<&#6]=B<1355
MN/VEE<75V.MTLD@ECF)/DM+\>=I?,"I:.S>#<CG@J56BS/?"\4Z">:1)89P5
M&'';\NRI*[K$P3JNWMS>TLV/:5M+G;"\T1^7O;;%V_:5+G]B94X<G/"D-ZOJ
MDM3A:TZTT"22MAK:FUC=&3(,/G'\KM`./L+@G`YR]S55-86F;M<?O"[!MICJ
M3X]8SO6TMR_RN/J4D*.CUD858P5LK2731K+]NR-\KAA/[SY!%3:+MG&X#+5F
MCTG4=85:W\M_JTSE%,%+A:C4T<M<4!1Z.QM)CK>W4(J*$965\(<TT\K)90!3
M1CI%A_E01"+75-EA&$;PD7/#24M/IH%I2]!>K\8A4&K;>UK`#/Q,=G\G:Z-2
M9Q&.8P"57,\R1IP86+U!W@_N.'535&&UF='J`ZRRS=UJ<]KZ+.:T"[)TH%;-
M67%_E:*$TEDV8<47#7_D6AUMC7R32,))D#&"G;KO[N:AQ_4>S_2.0OZK1!Z@
M#<$!0'T]?-KX2BJ;)`5A9>HLK+&5)MK`V:<AX&F3[7WW3NKX!GF.&.TC_P`Z
MC%_8?D?U<_V?T3[OL_V,]A?>?K+]2_I;[[[/\]]Q^/\`OOX_Z?\`3]_]C_6O
MR'L_O\&/P__2]_'`<!P'`<!P'`X=C75]Q7GU-L`':55H&576=98BP&U]C7FP
M/&-`/")9*,6&6-*Z.6*1KF2,<K7(J*J<#QF_S4/Y65Q\5[FS[PZ2K3[OXYWM
MC[MI5Q),=9=-VMB0C8JJSD_B3E88PJ9(ZVQ>JN&>YHA;O=6"<OMIOGB]L68_
M3I$:6/),L$<B2R-5[9$B:^5D+V?XS)Y8VNB@D_N->K7+_0G-LN1P'`<!P-_O
MB$![>2U=GX_W9HH0//G]OXZL'(\>/6O[/RO^M3]O[5_8F]?+&WAMSS;+D"$.
M%*&);Y]0\\4R(G]/MO:_Q_@7QXX%_,<U[6O8J.8]J.:Y/V.:Y$5JI_>5%X$Q
MV_6M;\E/C]K>I;)86:*J@;8XRQF5OKKKP)LQ&>+]Q[7K&,Z?W`"E:GE`9W(B
MHYR*G/:<MZWAU,_'3=6(LEKT_LHYJ_3X\NP!!$.7T%LCJR91K:AG:]RK]Y1%
MQ/1K$5?X/EJ(C8?*W6^$VGEM:YS6-<][FM8UJN<YRHUK6M3RYSG+X1&HB?5>
M;92[#8_7[S54^4PE/8WNIMBD@JZZK8KB7R-:KY)GR*K(A1!86NDGGE<R&&)K
MGR.:Q%5);),WI9,\1Z4/CO\`$[)]4]=#5.SKJ;5;VX02RU.@:.OBOMAF2_8P
M9$YS8;*E2B6=RP&CO'+<3Y(:Z)?:CB\F^_SOX=]=?C/RO%M=N\<UOX@V7L//
M0-1J4E\4,'N01V(B-CJ-7,X:JTZ##PLBA'N6CFSRO?.5<R.\,7#219W9T6EF
M+`#F(#O*V*&6VS5R)/4Z*JC(?+%"054FLC(DKB"!Y8X#H/>`+="_[>>5K5=P
M)-)!#,L2S0Q2K!*D\*R1L>L,S6N8V:)7(OMRM8]R(Y/"HBJG]/`T5UO8/:W5
MI';M^W7ZSLQF;[%V%1C\KJ0</34(E=0_#T_N\$28W"]<46@L`S-S`X)TLY!4
MC(WQHWURQ>)"OAI.\.XZDGKB:^N>L,?4W?<F^Q!.F-K-$'FX*;K43M'$WUSM
M`S[B5XE?IM-55US3B068S1G,C#)L9(W/,48C@UORR[8TMM+2U?5%5F3S!^G8
M1X-7H*`BQS4O9EOTQ5':2YR(6Q`[&N\[7S]HV,,+64=8-[U#&DU@Q]A)%6#$
M]L25\L.P,Y?7.4`J*W96<'8'=.1:/<PP4A=(=3[WL2QPAA<H>BGTEMCI,70C
MUS)Q\RT'WVJOY>8R&<%(N$YK.^NP[OMGIG"V*9O.,*[-WF.UHD0]D/8]BC8_
M)?):M,T^2",EL/P^.#TW5547(-),61'-9Q0R&L;!"MO4QPY>:[XO9?E'=]?W
MN@__`$O?7-YC<1BHV9N>SIK/,90:[LKO7CBU8NFQWY"?,615/]^>=#IZF_!(
M#@$2O)4@>$+T?R%[-ZIPO8>WT"V.EL&=I]S18F@TD?7XE/=8GJ_>=@5_Z4RA
M@$G695)=FT-2!"*ZQ+U%V8D4I8=;8)$1&@PF*]X]WG6NH&K:+KT(&FWE3E('
M'U>N.*AJ]C\E.Q/CQF+E5@MZZ&Y)I0\1'IK(=$`CGB+2OBFB:B6:C".L^3FS
MIMN%26%<(:1I>UNHZ0C+SQ!#_BLOV;@>@:XF;'W]KH,O8W,&.VFYM+$]@=+H
M2_9]$9;*N">$I@PC5O\`*/MPWI6YN#ZW'8/7E]?WMX%HF,O%J(]"9TOTYV/G
ML'EQK5'/-WTIG;QD-?).Z5AZ9(F9U?$PB9E<,<ML>QC^PQ]WAZO&:,6L'T&9
M[*";6V5&)84;M0'00FY>[O3&Q?F_LJNR1B?;!D!I-$^9)%E<L7LA2?3G<W8T
M&[S_`%QVI'?6UAHB]7GL[<QB990[!^:MNS+HW46=E6T>)?<Q553FQLX=+5TH
MH`MI`*4YCQK^ND:*W;X0X#@832RWX^<OY\H)76&IAI+67-`7!,P=2;?Q@SOI
MA+0L=DDXM<38MC9/(QKGLB<YR(JHB<#3F;YD`9$(L?89'=::QQF+-V7:UID>
MK=53BXUL=_V-2)4%US+/?Y2K+H2NMCX;,DW715SH4AL`B"@2/7`7"PNP?DC_
M`&55>DEW.-2&\R^8S^G/JL]I8K<$F'33]NNK0:VUL::@G)+CK>IIIY_4)&D;
MBT8WUMA=(X8RB-W\B=Y4;FXS)>/HP:JDK-"7I2':"4V^S]M3TGQKL1JBE"AI
M&U&F#DF[S5A!,Q8+FNB<L37-A9]R,/S7_+<Q+6OJ;GJC0G_=W$7KN^KH=UVE
MEI,2=?5V/K-[77=?UC2JZDEU3K59I;"&L!92T)5G"61#-7,-&%K]%=J7O:T/
M9-A<T@5`-G]S056:!%M`[B=<QHNF.I>S:R:U.!D<.ZY=)V!*TF-C4A@D9[<,
MA4#8C215\<(<"K5V=MLGJ)UDP*>J]<;2^R+2&4K*1Q^%DGBR(<$XL^[L/3Z(
M_N(9H*8=TKG*800+-7N+^TDS6+J<U*78-E.NM':1#Q76MOIH#=%;QB^I8!YB
M(!@PJZK@FEDEAK@(`ZP::>5\(\;I9%<1CNTNK\+W3U]JNK>R\^)J,/M*J:GO
MZ4Q9&,(&E5LD4PY$#XB@;`$J)DXQ,+V3C$1LDC<U[6JEEQ<CPU_S$?Y=W8/P
M9[!];/R&NZ-UU@0WKGL9PZ*^-ZI(3^C=E]M&P6NV%<*QRM<C8Q[0>-2!T:K2
M!QNVNTVGY<[,.N'FD.`X#@.`X&]OP](]51N!/+/X-C2D>E%_BI]T,?'Y>GJ^
MC%^T_=^B?5'?5?Z-Z^6-O#<KFV3@7=067Y2L@G<OF9B>P3]?*^]$B(KE_P#[
MK51W_I<"P,EIB\I<CV8WJ?#_`.I.%1?#2PWJGN1+Y^B2-\(YB_ZE[4_H\HLL
MRLN&MOSW^*3-S5K\F>F!WIJ*P*&WVM94*Z`J]K*UB/;K*QD*-E9I:&&%$+8B
MH^<>'U-3WXE2;GU6^T?_`)?=#??+VP_":(YN(I<E/!#M^T-`&^FRD@C8VSH)
M565DT*I/W)0:*_\`&1RH[T>25:T=LBQV_9-9F]I-+;QT]?'4V*P/7O7^;RG6
M45<W&U@38ZPJM)%/CM'JJH7;E60GF&SL;`IKI")T7]^55\>$1&IY;;M;;V[2
M23$9(_KO%'F$6;LZ#7W)<KIB=#0>_F=--(__`-:K]+G9JN^5I"?25OW'IE;]
M'HY/IR*XKL?=`+ZLYO-(#%"C?LZB_;7["D1Z-1LGY`JW&;NK"*5WEZM2^B<U
MZHC'-C3V^`:5V56N:TNJR.J%8Y)2#ZBQL\G:20JO\0:OS%J/I*V<N)J+Z'SW
MPL4SE\.]E$]2A&"3,,J9QFLZHLZ5V0>//C6V77H.K&R[`V#Q#G4=EA8]G3Y%
M@+0XVM5Q`4D3(6N1J1M:[@2"F"ZEU<)[<\)UUI((Q=16V;::#-7$+`^Q;-M[
MM`#T!80QHNZN0T,M(I/W+0J))9TE>WU($EI,GELR*P#.9K/Y\&*O&J8PZ2FK
MJH6.J#(L"PZQ@X`T$+*\4JW+ECA1/;9(5*YJ(LCU4,-1=8=:Y<&QK,UUYAL[
M6W%8REMJ^BR5!4`VE-$AJ1U-B)7UXXYM9&EF2C8)6NB3[B3PW^([R&=_3&:]
M7K_3U'Z_N?O?7^)`]7WGY[]4_=^K[?S]S^I_^4O<_P`?[_\`K'GW?W^!&K'J
M7JNXD@FMNL^OK28:G'SPTMCC,X;(/0""E`BT<#R:V5T5.,$;-#&,U4A9%,]B
M-1KW(HRS8.*QM8<^SK<EF:^RD%#"DL`:&J$.>'7UZ5(`CRX!8YW"@U2?;0QJ
M[T1#_P`-J(SZ<##5_5'5M3%2P576N`K(<X;/99Z&OQN=#BH;$D,6O)/I8QJZ
M-E6:0`#!`^6!(WOAA8Q55K&H@R_59U5U?2FCV5/UO@JFQ%KJRG%/K,?G@#1J
MFE*ISJ:K'*%KHIX:ZI-SU?,-`UR102@CO8UKH8U:&=ILGELX7=GY[-9^A/TM
M@^VT9M-35U67?VLCI7OL[LD$:":UL'OG>JS3NDD57N7S]5X'/AIZ@>("$>KK
MH(:HB4NKBA!&BBK2IX#!IR0(V1-:&1,-8$1O?&C7.9/(U5\/<BA#?[(^J/L_
MQW]F/7GX_P#$_@/L?T7F_L_P7YW]4?A?MOQOL_B?U-_RC]MZ?9^^_K'I]W]_
M@R__T_?QP'`<!P'`<!P*])V%[933AXO'V%H\=\L4MYJW&8G+,G'(=#./!,=5
MG:BW>Z/Q,.0%4SU94:_NFM7]@8ZPZR9L03*[M.Z=NZBS'<)9XN.NCH.N3Q98
M'B&`V67C*LK+34]N(]S#:Z]L[>M(];D^W:Q48T/,]_,._DCW61FN^X?AA3D7
MV/\`$]EH.AAWRE:3->%66>?K)TGKET=$R/R[\1(];(=6^D52VO;#!UUW\5BZ
M^8\Y9@9=<657V`I()X),X9H1D$HQ898TKH"12AIVLF')'F8YCV/:CF.145$5
M.=&7&X#@.!V;?&2O^RZEJ2/'A;6SN[!?JOU]%A+6(OA7+X_=KD_H3^[X_I7I
MKTY[=M@>:0X%UYHK[NE!>J^7Q1_;/_NHHZK$WS_?6-K5_P!'@69AM$[,:0"Q
M<Y4$D=]G8-\_10B7-;*]?[JCO1LJ)_2K$3DLS%EQ6@G\RGIXSJ[L?-?)K%>`
M:W36`(>GGB\(+7;4$?\`Y//F2/VV(!JJ8563-7RQ\PTRR.\D(B\\XY=.U_?$
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M1X6!7'P6@(MB,PV(<R%D\,=C76%0<QDB>6M*K+84*R!F1/\`&CGACD:O[6IP
M.;P'`<!P/DR>&22:*.:)\H[F-GC9(QTD#I&))&V9C55T;GQN1R(Y$\M7RGTX
M'UX#@.`X#@.`X#@.!6_<E[)E^H.U=-#75-Q+G>M]S>Q5%^&ZPHK22HS%I8,K
MKH!LP[CJDYPZ1$PI(Q987.;ZF^?*"-`-;V['1,S%+@^F^DI-%UE@MU1:E&=>
MA&UV4[@_+OJC<1UG!'H<H+74A!E;:6-B&985TYM;=TI#IH6%S2I&I,Y22KV%
M325&3T_9O2_4M-B:3,=Q4%#6U?35.V^.[&R^G[DDV?5V?8FXNJSK>RO\_A(C
M7#L;=T][92&CQ6LCE"D,J,5J/D,7%H-[2VN&ZCT>]SF6-AR5S!U]9G!6G=N.
MJ^OJ'MR*$[2WU`'9@7L]]^*I:]EN`:P?#6/WEA*/[+@XN/\`XG?3+`EONIQ+
MOICICK_,$VF^K<PF?Z5JZJQ&[KR.B[)I=)3USJG97(75UV-@^J:XUY,4=Y7V
M+@218+AS8:]Y51)+32]BX&/O@/I/(]3V0&8L\]<MGS?7#LD`)JKH^=-=7:-'
M]FT=)V5J<YA:ZLDM3VGYMH39X57[E\;P8!ZRMSI7O&N[7?=`$1-JM&"V*ZCH
M&5M[#&'E;&18:.9UY;A5T-[:$0Q-)/CB&$DJ93&`$0^]`^:86)S:8HK6V)J;
M6QBL<BDOHKL*#%(/2GP)$Z"2;;D/?]QKFEH^1?QKVPU#(Y/1..9+%&2A%A-:
MUC6L8UK&,:C6M:B-:UK4\-:UJ>$:UJ)X1$_9P/UP'`A?8?76'[9Q>AZ[[)S%
M3LL3J@'UM_G+L9"0+`5SV2L]2(K)ARA2(F3#D0OCG&GC9+$]DC&N1T/(S\_/
MY+79O0\]YVA\:1[KMKIJ-"+2PR4<;K#LWKP1JND(C>$-&DNWS8;/WF&"1_?P
M0^4)'<R%YDO;7>7B]L77'3HJ<US7*UR*US55KFN14<UR+X5%1?JBHO-LOSP'
M`<!P-T?AV1Z3=\)Y9_&%SA'A5_B+]M-<Q^6)ZOJQ/N_WOHOU5OU3^G>OEG;P
MWFYM@X$OQUE]I8J)(OB$]&QIY7Z-(9Y6%?JOC^)Y5G]U55.!8EK:,JD`EFA>
MX4NS%K226K^Z!]_[@X1$L;6ODDCGM'0#+Z4\1J0DCU;&Q[D@[)?BW\8NS]W5
M//TQ=[UYUZ5(P^KLXHP(M38S*BLD6CJKZKM@FU)H[_+B#!70J[T20-D5'*G'
M[-Y.OY.NFM\].R+K?K8GH#)"8CK?"X4C!5I5@>/18D&+`7D,EA/,:=.RL/+L
M<QJ-!;V4ZS$$36%!`GJ5&L1K6,YY[;;FNLDC)D$]/V%JDNIS57C]68=&R(W6
MY^')7L]X]D7I9G=M[0X=Y=P,CC\3TEH6^/TM5LB>E/`2_P#0:B-5M#M-]0)(
MK7$__J%NO<0K$<D?A_9(.W>"C/6OE!%'23Z>OU>EO@/U]IV4`[UP760T@\#/
M;BK[*CM<S9&HD?MQS'ZBOM]!7PE>OQ)*L%"V*5?+61PHJ*T":/9AK'#:==&G
M32^'>_C=-G+>L@C5[F>@HC7%=?632FHWU.;$'-'Z%3Q(KO+6A^?[3<="U9+4
MVQS$#7-C4W9YS1XNK6=R.5HD=SJ:FHJ""W(QRMCBG>][6N<U%:BKP.>14X'L
M((*R*K,AN*YGN_CCR`Z72A,\N]$_V14D9L#?+V>'^AW[4^O[.!C_`.S^$3]Z
M@UN\STKOW99(].5J8Y(4^K1XP.PXMG5@L8[PJ.%@@E\)Z?7Z/+>!_5'[,K4:
MX>RQVLBC;[#`[,"VQMA(Q'.]L\W0UQ&N`(+;$UJ2PPTPL4TCG2,6!J)"H9JD
MMKTV:82[RA=',-$CGV$-K3VV?.E5Z)[525$4+H)6M8[RKBZL'ZHJ(B_17!UL
M=:?(+Y#8ZNP>?V6>LM/>Z^LSM\^;66.9C%D?:X7JBRJZ*MV&E/Z9C`L.R]%I
M]&T41H.BL*BPS-B+`(>,V%8(UB+PZ-[VW/;G;[PCJTX'$UN4[&+KC&T$6?"N
M/?*Z(-S<5P"+M>PAH=/F&W=R"0C[`0IL_P!S#/7!SCRLY4LQ$4Z;[@["ESG3
MXI>UQ5_?]@OL:W90/TK^V=K3[%<IC2`(R,6$7U07AQ:&XM3B-74#17<N?A9`
MBN:+*6?7BJ^C^4G>1N)SM-5V="1L/[#\WJ=IO".K$;69?9#4G7FKU-L=0C=L
M2V$U/-27]F%)!-4U(@=I7F*PV5U>2"V+B-C>J._>Q]OGNV[RTZS>0=A:R`W.
MY*GL,J/I[:^F?K%DPEC7U^_VQ=;9CB4]9,P^Q@IT+9:^J`)\,"3SU,*?I]9\
MH;/$X+55UW<+<P=C]^8S24>GR3*6VNS).P=M#CK:NQ<=,4R\R6,R87OC#/O:
M,F$.I\*3<ESLB>..6>_SHI_PGYC]*;__`+L_3[7ZDKO8]_\`M"_0OZH^[_1W
M^[?_`&WY/V_M_N/ZM]G_`.VX'__4]6MQ\K^V,Y@D]R(C2[K$:X+L/6LJL\"D
MNRZ.TG;%7C<=F*D`4(X:JTFFL-&;05LW[I)LN*LBD1KY&M6-8Y65H_E-V%89
MSL1<'3=6E6&-Z][VU<>SKMK:;3%69/5_7G3FLIILM,!G*EFA#GNNX4`.<^8=
ML$U+.C?4Z;VX*F']T/S)*H[QV><-UD\^QS>R)SD'ZZD98DW^1V'7^8JBKT4P
M"OH,SCNS@-E-:YNQ.N!Q"@(PW.(1350881I?GF:X*MNTP.;@K[CJFC[&CSDF
M^>3MZ&"WO_C?2NO]!7#9O\;'U\/#\@)S$LXR/0\'/+.B_P!=DCK1AL#T;\@3
M>VM+HZ"UH*'.3UM#G[^G"J-:#LS3:FP!`D*NK>>CB>'F1+0ZQ1U0'8_9V)M8
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M0["LLA)P;``N!ZQSBF!E1Q$BDPR-5KV/:US53PJ<TC@\#MMZ=`_&]780;QX]
M><KSE3^_:1_DU\_5WU52_P#^2?LYUG4<[W5E<J'`LC"%>8C@E7_$DC)C3^E4
MD;[4JI_>:L;/]/@7WUCU9V9V_96M?@</>WC*FTCJB+2*!!J..9]756BJ3>'*
M+4!.;':M;[<DZ/7T*J(O]&;MKKG-6:V]1V/_`.8O1FY+-4_R44+=8B^6DQ>X
MQM39VH]2')-=B3]>WLEJQ!K5Q-?I9(:LMM<P-[T/85*4X<'T\\^WV9M^,=M=
M>.>V]N4Z&PG5M,#2=(5@/3576M8@^;QE:(-@S58V-)%N<-XCI2"K&2")3;(-
M`+TI(T:ZP1%=YY-I"W7:3.+[.[S<L@;&N1FPQ`ME?TI"1-7Q-:YJ&$K5Y@@I
M(WRK$R.VKQ8_#9+)7JB*$ZJK:JO:\:VI+.ON*HUBR!V=48-85Y<;7NC=(,8)
M),-.QLC'-56.5$<BI^U.!C[[*YW3L&;>U`5C*`]\U8;)'[=G3DO6)WWM);0+
M%9TM@Q\#',($FAG8]C7->CFHJ!&DS.PH/"Y37/LZ^/TJW.;YA%XU(8?95@-7
MLAI8-2"\OQ+[IEM^HI6N>QS(_3&L<@?G^T):;PS>9VUQR-:Y);[RW08=5@B;
M*:6NIJF*^AIQO6B(5H`Z-)?KZ&+Z7>D*>[AZ:=W9O>HM?66-.E!C,KO+2MTT
M`6>O)HM0?K.F--BI*&Q+B,.IHCW8DI9[.I6(V,1CXX"!Y9HIFEEPJ8+#?+F=
ME*.%I-1G:TVAKZO0NU&PR>FT]7OJL2BU][O@"ZR):@G$:[19)U"+5-;&\2/1
M&3H"'7QC@"CAQ%POS*M##9+3:V],Z]HQK-1L]#GI0\^W240I>DZ_'TY?:(\=
M=>9'L*T-FK;.''VCGTM:$*EJC""!XQPF/R5ZY[4O=3U]I.NL?)M9NL:$NPPX
M!5OEXP)=HMM4&R3;F\V.AK]2#(`N:J"Z<JE=-/8R16==;S1UU@]91&3[QZW[
MGT.ROM+U?8W%`XW$90*`JFTE=0E6%YD</\LBJ.KLWR3I++5U_9N\QQ<D/J04
MQT?H(]X)AD+Q,,"9T]VEEM'NM'CA]2:+J='W/K;2D'[+N($T%[K[/I[.X^S5
M)]MGCO7F>NPM-^)J8;BCK1YXX(_?`F0(P09B&@=8?(VWSYE1V!'V%I'A:+K>
M[A+%[&CQ1[JCK[O#)VP.=R;,QW`9!9/M^K:LPJR*O)P[9+9WL3VUW%-`^K'"
M6DY?Y7TF9RU+E["XM-7;]:X&2XU.CUN=/H\GVE5!=DG;MVAC-()LC:B[O-'0
M#B1U-?8C*'52^XD?MQ(6.&09A^S:G57&[RV5[C'*M,ITS71U&H[:I]":R'"]
M]VVH[3IRJRP[5ML:MQO,)I7+3DQK[4(<!0+YZMCAQ9@@I6!^8YF1H34V&@H=
M4:'B@KP48BCVY=%;`](=>!ONQZEW:O4V9L:RI[DDTAMRQ;6=UO*,"S[0NME)
MAE'"\.R.N2>P.\L?(;UH=7YVDQVC@([OSD^'!U<A^DRN_P`A%BW7LFF"[%H,
MQGZS5&'QH#6FH1>V`,S)!(@BW$A">G.I>W.HMWGZZO`H2^M32]77V9,D%"(9
MEL=';=F:6KJZRMHC*"FHY;7;7]<>"/4U!`\=6>57&R1_AJN4H5NWPAP'`XQH
M0=D&776(@Q]>>-.$>`;!$4&:&5$^`H0L6=DD!(Q,$CF21O:YCV.5%147@1RR
MP6%N8[N*WQ>3M8M+-.3HX[+.4YT=^052UF<)GNV%!RMM9B,]2!`2/G21SPA(
M8%58HF-:&.'ZJZO$,I+$7K?!#6&:!#J\X</C\]"905M=8ON*^NI"HZYL]4"#
M;2N*AA@=''$2Y9&HCU5W`RUMB,7?U7X&]R.8NJ/[BQ+_``UM055E5?=7$-F-
M;$_CC!)@_N+0>Z,C)?Z/5.PN9KU<DKT<'"K.M^NZ6QI[BGP6+J;?/4ZYZ@M*
MS+48%C1T"RESK1TYPH,1-93K,?.]1H7,A]4TB^GR]WD%7UOUW1DZ8REP6+IR
M]K*;/LBJO+4=>3K9K,@TRQFTTX@,,M]+8%V1$L[BEE660B1SO+GN50SP=!15
M]I<7@%+4@W>A_'_G[@.N#&M+S\2.X.J_,6$,+"[/\8(]T0_OO?[,:JUGAJ^.
M!EN`X#@.`X$6T6TS>7D%%MK'_E0]DDE905HIESI;>.!S6D25.;J(#KNRA$1Z
M.GDA@?&/'YDE<R-KG('5O\K?Y5W2OS/M;#86.(#^.FX,>5.3V%DTK;'<Z@Z1
MDK$)V61ICEZYE7[Y$G4U2[.T.&5L;Y@WHK6ZF^T_262_MYZ?D3_)5^9/03K&
MTQ^;B^0.*'=).R_ZS>58:M(&1*_S9==G._4S"G)$[^#5-M!V?1$D17(WG6;Z
MUFZUU57=%=YJS+I-'36N?N0)/:.J+NN+JK,*7PCO;+`/A@+'D]*HOA[$7PO-
M,L5P'`VW^(1'IV&I%_<_C9J,CPJ_Q/ZM:"1_NIY^K$^[_>^GT7QS>O;.S?Y_
MK]#_`&U:DGI=Z%>BJQ'^%]*O1JHY6^K]OA47QS;#XT4I%^'4$!!SR$7`@1(X
M(['E$*\V".=@\;(H_7/(WW/'[K?+O'[.3\C>#I_X#?(OM.0.PFS*]<YV5T<R
M:#>>_33K%Z4F;*#GFQR:,I[V*BQ/</".]53^,B>53&WV:Z^<UN:;7QP[CNJO
M@KTU@`)/U2&O9M\8!($=8:0:.&IB0D=1RW4U`/(^$!TJ/562RS%$PN\+'*Q4
M\\X;?9MMQU'3723]MEL!;6,]>=F]!/*3J,66RAMS2$B9+?"M&B(HM<R.+TL2
M+35,D<TWH:D,%BPL5BN49R\YMI]P/E/!"3#,,3#$0.1%)!/!/&R6&>&5BQRP
MS12(YDD4C'*US7(J*B^%X$`3K2CKT1<@==]?N:V*..#'&P"T4,#'*Z6,?%6P
M=S@QY3/V2D,JVEN_:DJ+]>`^Z[*H_/WM90[P!CFN4C/RNR6F2-\KH6#0T%\;
M89RU(@9Z)9BGW54Q[5D2,9KF,9*'(%[(RKR1ZZX**R-N5,@@]3L@I\W.:>DS
M!I0:0ZP;'2ZF:`B1C'/J2CX5]V-S9',EC<X)YP(G:8/$W1\MK:Y+.&W$S&L?
M=34X"W;?;A0>%\-RV!MF/,/"U&Q21RMDB]*>A6^$\!CTP;!%C=1Z[>4;T\-(
M<NF(UB&1->LC8I(NQ(=G`+Z7.7^(*T>9R+Z7/5K6HT/Y^/[(KFK]IH\QHX!W
M-^W$O<\;2VUC"B.1666GI+8FJ%+<KD<LX^?2+]U6H.GJ]30_JZ':@^IMGUY-
M8.<QCX78O4T5O`WQZ&RQ&OV+NO)H)O6Y5C]J,ACXVJKGL=X8H$[(RT*QMMGW
M.:1WADI.JS.BSE0,2KUB^SFTEM6"YEQ+YFJR)(S'M(7PL*R-<U5"3T]Y2:$-
M+&@N*J\KUE?`AU/8"68:S1>GW(4)"FGA]V/U)ZF^KRGE//`I;3_(_!8V"\N-
M(%J:_&4C]V"F];4C&YNVT'6E/J;[<9FK$K[$O6K9T5;A[E73D58]9/-6RP0%
M23NACE+AEJCY!]26]IMJC]8U-67@YJ9MRV[."JUE"O\`*]?:VLM`82"D+<%.
M)V?3#*R:.`EII<<2Q>)AG3#"8T?9.#T\MQ!F-53Z8B@K:VVMQLX2E\4'7W-<
MRWIYW#5+3)Y5MZU[9A61M?(0Q4]MKN$529\HNM*NOPEM<PZBFJ]W0Z?1QF6%
M-$U<W6Y,8HBQ_4=>.<1;*7*\*6*."N'L962,_C)$QS7N+A<_Z@._^DM-_DS^
MH/\`]O?[N_\`I+_*#_*;_P#+_P#XOA'_U??QP'`BP6,SX.FL-A'!8$Z&Q%E!
M4VTOKZYBK`"%KGG5^;KK>S.K,I7VDU0)*;!5PB1&S"PR3MDDB8YH!\9GQM8;
MMVP6$^D-KY*I##[Z^LQ*VM(2H^]!S]-8V95)F!K26@"E-97#"H;.-'+/[DK4
M?P)3P'`<!P'`<!P'`I+MSXV]`]]"*)W)T]UYV*K8EA'/TV7JSKP"-4:B_BM%
M]NR^J'*UB(KA287*U/'GQ].66SJF(ZU.QOY$WP3VDI!&8K^T>IYI&RNA@P^]
MDM*V,AS4]#Y!>Q:S<DO';*GET49$/EJJUKF?NJW4^S9GXQE%_E$]?5%:$%3]
MSZFNK*@%@K76^;IK![``1XX1G3$P6-/$UT(\*^Z]6(UR_5$8B>%Z?[7_`,LW
MZ_RKBC_E85/8!2FU/=>C"ZZC2!P&BAQPX-INW+_$E*SJ?GTE`Q7MJU!K1'I-
M;.]4HK&@H.6?/]K_`.3_`#QY;$4'\J;H\&1DNAW'95^YCE7[<4O.T@4J?OIZ
M9V,H;`U6HU6_^K(C7U-\^?"^.+]VWB0_SGMM%U]\,?C5UK+$7G^KJ8ZRC;X6
MSU,Q^M)D?ZFN;*D&@*/KAI&.C:K5@@B1KFHY$1WE5Q?LWO\`9J::SPM_J\:&
M/)1'CP#0C7]SI='72#101-*S]UH+(S(SO:.UJ-]&/?7Q1L=^_!!$R%4;[:-;
MAI,;BIKK^HM**W&:94W5<=4V@;GRQ-+KK(:4,T9TL$D4\;9QIG-5S'->GGRB
MHOUX$6P%M8F5)5'?DN*U...?FM`5(R**2UD%@A(J-,L0[&!PIK*`D6Q=%`KX
MA)R)!?4L@\B($ZX$%L^O:,L\R[IYK'':4YS7F:+(D05IEA,U(XV$7M82*?F=
M61`,QT,#[<`]18Y'^Q[;G>K@8]+W<YA'-U=%%JZR-OK738($EIL,2.:LS[7`
MF'6-QX'C>B,6H+N"2W,>J"P>61N"7T.DH=0$ZQSUL#;B1$2!DR!3LE>"?"R.
M0BML1_*$5MJ(DS4G%(9&1`Y?3(QKOIP,WP(&=USG)2RK6E:;C;XR:8LJ\QQ#
M*4DX^=T[W'WE:V&?.:PICRI7,_,`V#(WRO>UJ/<KN!QO<[)S[O$@]3V%4L^B
M2B/ARNTBA;-[<37AE/?D-)82PR(^>9"<[`Q8W+'`OK;&P.?5=@YBS.'I9RYL
M_I"O6V',:@6;/WI,L$+93&U(MBV*+2#`JJLD,JY#@%>UWHG>B>>!-N`X#@.`
MX#@.`X#@.`X#@.`X#@.`X#@.`X#@.!";C?4%78$T8BFZ74#,A=-ELN,EO=#.
M*9%("EOZ9(JS+PV#)FN@(MR0!)&^7)+Z6N5`Q?XWL#4M1UQ:18"GE<YRTF8?
M!::TD9R-6.*VUIH\E52N('F?&6+5A3$#SQMD$N%3ZJ$IS^4SN782VCJAPISW
M0/M+%RRF7-U./&L4)=]>'2$W%Z<R-RI[YD\\RHJ^7<"0\!P*T[(Z7Z@[B`;6
M=L=7=?=E`Q1NC''W6/S^I:(CO7^^"ZZ`,D`F8LCG,DA5DC'+ZFJCOKRRV=4:
M`;C^3-_+VVLLA4/3!V*-F5RRE8?>;>HB57.C<WVZ@V\M<^*D:-5$2$.-%1Z^
M?/AOIU\]O:?&->CO_M]OA462^>#>_).LB<C$0,';]<2#1JUJ-5S'674=@6JR
M*GJ7U2N3ROT\)]./]-OPGQB==8_R./B/U7H"-%3;GY!7!)5413RAZ#7]?2@*
M,24$6Z1J4_5E*8TADP#/2OO>GPJHK5\IXL^W:>DNDK;'.?RZ/BG0+'(5B+;3
MS1(GIET>MT4B*Y&,8KY!*<ZG`F5RM5RH^%S/4]?"(B-1J_;O?)--?2Y^CNJ^
MM>LA]5G\5@\GF"LWL]#7S6-'15P)986A>-NJH>2RC'2S*CK*+6B@K[\CU1PJ
MHW^&C.8NUO=:Q)U%^\BG`K78Q39V\I>P@FN485L.9W`\4;W*5DK(YGV-Y)[2
MQ-=+@KHC[Q9B'K`'3%VSFL661BH%E<!P'`<#CEB"GBD@G##FA&CS"&!EPQDB
MEBDQNA(&)'F:^&<>>%ZL>QZ*US55%147@0->MZL!7OQUM?8%[VO9]KERA'9]
MC'MC];!L;?`W>.K733Q-EDF#`&*DD]:K+_%F]P/U]]V33.\V%-G]L%Z_7(3E
M)Y,I>L9)'Z&#"YC465E2F^P2U'R$2:$-5A>J,@5\2).'(!['RI!0M99&$9:Z
M,E&%&I-@$3F3S;`F3[=:ZEDM8QZ[4D0%JD+WU)!X_K?&K9'-EB<\)UP'`<#&
M-I:9MJ^];4UC;R49H4ERT`5+60-B^I@C[%(ONWC,<OE(U?Z$7^C@4C??'/*:
M1;8"WT^VGR-D;V%;BX2(O-#9VCT':-!L<]M+ZK/'RT>RF,M!>PKN9L!MJ8!`
M38N?&.WV1FP%RPVJ^*^(VS+F33:C>65K??9DV5XAF5#L);L!>@B!='&.!D1:
M6*SCM?CG1&^TT1*]TY!K%&4>6&`<965U5U)F.H*J^J,O-8SP:30LU-K)9-J&
M237:YG-YDXUD5)44H3);=F9C-*=[2NE/)(E\HU[6,)G+&D=&X8W-8_+6$=@<
M!B;F:\IRYY`8[K[N0PNTBC_-"5XUE70C7<HQK5KY`I9)Z\=LKY($FAF+GRHO
M_,2ZE_"?@OS^S^U_3/Z6]?X_JK_</]H/]H_N?8_V8?AO_G/[GVOVOX[_`-\^
MV_*?\H<&:__6]_'`<!P'`<##:.]`RV>OM-:(2M9G*:TO;%`A9CC%`J`9[`M!
M`AVO(,)4<=WMQ1HKY'^&M155.!1^K[RFZCZ_7L/NNMS=!6D%CS,#RNTH+"6H
MII*N:R/F*)V1N&CU9=-`(][X*%A]@=[C8P@9W-]4A<>D??\`*2F70Y@6/'Z=
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M=9.GM-UDI<\/UGM*+3U^1QM;V7IL<]=O<$]<8OL:SAK:['ZF\/G(S86Q9`;"
M.Z=J(QDT4LC'O;",*7Q'S<R!U-1A;(0<CLBW!ZX>[&=?'TEL6FA[3S^#T^7Q
MXM9>:.JTK3DI>PZ^>2S-#!HWH]8V%_<)]OP87%E_D;G]5KC<D)A>QP/Q=]8T
M-MHK*MR[,]62"[K8]8U=B5*%KCK=U=INP,#;5@"Q!R3^L9""(APIH"91A8EU
MDK+774L.H("7"`/%>!E@92I':@QD8I+S]I/)$)&^L#,]R&&FB2<2=L:$%33^
MZT00BPN`X$7V]T3G,;K-`$R*0VDS=Y:@Q3(KHIC0*TDH.![6JUSVS$Q-;Z47
MU.\^$^J\#@DGYGJK#U_Y$LT?.Y>OSN<$E0*PN[4ISYJ[,T``U;1@%V=Q<VU@
M2.-`.(-),23,UD<:N<C>!G<]H:75TP-_GK"&SJ+%DCABX$D9^_!/*(6*2/.R
M(H*PKS8)!RAIV1D"DQ/BE8R1CFH&&@9G9>PK202QF9K`,;0LT%3%]!R<[;7>
MC=C[$_W17(^8*RI+R(3V)V>EI!/OL?ZAW,#/UES5W'Y#\6;";^*LRZ:Q]E57
M[2T!]O[L*7RB>)H/=;ZD3RGUX&3X'Y<YK&N>]S6,8U7.<Y4:UK6IY<YSE\(U
MK43RJK^S@4)9ZWHO7/R6B%V%0/:[1UO7XO?96QE`L3X\C:R51S&ZFMC4(S-U
MNE.B'0:T?-2&V1(P[HB)2((I2\IYD"-7/#5DR7-)LLE:UT5I5ZF2$C/:=02Q
M8"*I#Z82MEH[L@Z&7W)BX5I&1^4:T'Z*O"/G4=M];7LY@];KZF20,FI&]1+Y
MJZ&Q2_N1\Y1'4)-C"(-I::YTA+:T0^O>4"18^H6.5T['QM&$OH[VITM6+=T9
MC+"K-]_[4N-DT;)OMB)A)_#)XXI4]LB![?JU/JWZ?3Z\#!]A7.#SN*T5]V<7
MG`,%2U[K32FZQH3\^*`#+$2V>PCL&2#2>V3'&L35:Y[I_0C$5ZM3@5@?8Y/(
MZ$[+Y3M&;+W]=7@'RX[0,LMQE48<=4YZO"%KSRH+H8UA6DJ81Z6DN@%A>?7.
M<(K#84)*GBZ[34?ENOQ=@\6/U*[0X12-C6^RGO,@>5GH!!=U!8%20M5PP5;:
MP#I.SU%O:V5\9%=]N][D]7]D]-=?CY>NOF]KEV0\QY6ELJ:PJ(Z[<]2XQ\E3
M5"8W0@7TL47:#K"=I=A3LC'K7,CDFEF:UA43JOFUT!>T]5?TNL$M*>UT.5HX
MS`[G'R.@%W,L,&1T+P5U#;(NNNYB&-0,2$F[$\O4H"!(IEC&*S$/R#LBA_CE
M]MEZ!A??&''VA'YG5W=6/GD>SK7W:>J_$8/5R7]G+)V(GL?=?BA5:&[W"(UD
M;Z1CMQ@/E5F[)&60F)U3,H_KN;L!NILK[JVC`9XV28T/,&LO.PZUM+H3"',G
M?'82!M!61!37#',G%A&$5;\ZNEQ**QV&C?89;#.FS9.0U]U99$0#<9:]ZAQO
M=%CK:FOGTL-V#7Y3);8-31RQH3)YYQQP8C#"&"H,5;?9?=2X38XK%4N0L-S<
M:1^AFN1*D^,0VB`K>N.R=OG(0QY@YQKC1[BVZZGK:\&4@")8VE%/);]M&.4,
M(]U'\D*?LFV'S5S75>,U$S;$)E*5H3)2K._KK#2S/K,[7:#,X_2V(D^%I!='
M&256@/EK;./T0O<.9]L&RW"'`<"&]C:[]`=>[O>?C_RWZ)QNHUWXK[O[#\G^
MFZ0ZY_'_`'WVQOV7WOV7M^[[,OM^KU>AWCTJ&O1?RRI*W1=?YVRR5@PS1Y:4
M[:C@6*V=EA-Z7J&8#,]9#`053(]9<Z'L*KNJA3(IA0@I:ILT[FCE12(7';,V
MGRBH(G0CYO`=A:L^"YPE+I!1A,Y119(S<=X7/0<8EL=I]'4"6-A5;?*7+9(Z
MIUA#)#7I,V9!RA9YAA\[CY==4T&?LM9<QZ&IS5;78W2NN+>&@I!S\)O1M,=F
M]Y2P76BKC[RG,KLD9-^/$AET*JU(6UKB?5`T8?F_^7_3V7(MH=`5<TT0-G15
ME-8W`U534VT6_?VE&,5D[BXN0*TF&!>E=.Y8RY0RB(JUDHL)$1U:\P8JS,#V
M_G^U<UI=-UX,3>ATEA;554I!54!'IS*X=)1I@5:>8945EQ,YJ"RV8X4TPSXS
M&0O"G&(G"JZ/Y&Z"U.ZMD,ZS=59?L;JGKCL!=+);;$L$?4=@B7TL76U)<C]6
M_H`Z^!,KZ\:%USH,[+837`S81_<<R.08<CI_Y-UG9-C59_240?7>H/A-'=1V
M^@+^Z-T<,Y)D.<S8%]F,EI+,P3)0PVME]]6U4HL5@%]O$;`0A3!8OO0Z,RHD
M%!J<U>::W.9(\<:O@B#JA8HW-B<9<Z.TD$IJ\6&>:/UPQR$64D;G/'$(2.1&
MD1_]+ZS1O;/LM+-4@+Z'ID<`?85`S7(C7^BUW+&5VPMWCE1MDBDKTH(7L58B
M!R&*OJ":4M'2YRNAJ,_4UU)5CNE?!7500X`<3YY7SD2-'%CBB24B>1TDCO'J
M>]RN<JJJKP,KP'`<!P'`<!P'`<"$"0%5_85U_!(2KTF8ISQW0QR.!;>9T^QK
M[T@YZ)[`UC85-Q3Q0JJ^LF$!Z?XH_`F_`UK[HB[=MNP.M<WU==_@8RLMV-?7
M%B59NK:<(^DO^J`*0^S';C=:W6?:":*Q]-"^6G99Q/E5+$26&.9A8U]"^0'<
M&JN>J9):+VP;.SZ?+U,69I]C3`YZT[%UE)5Z_JO5K8R3$DZSIP9ONV<ZR`I,
MA[(S*P-K'QS1<3E8^)^0F\T%[U33$@Y2RG[B1L[!:FAT=45TM9Y6GJ=CV9UU
MVJT^_LR9MB#F;F(.NE^VJ)$MVN0L"*/PWE3#Y7G?]UGK#39L749!F@![9V53
M93:<&TT7Z+R0>3-O\<-8Y3&$A:6+]:VH<-=4E3JV,DDEL,'WATX010PC0GR7
M[AU.V`QF:Q5?G"M`RK&FGV60+L%ZNO1;;/5>JHM6'G>S_P`MJ"6QZ'[H)Y8N
M.28,>(F!#0SHRH!B>UL=-]RZ7L:/6+L/PV4C#P>!V$45`(V<C$Q:_'075H!J
M[RVN;%!]94'+-,E>=0UK8@/MYVN/CE>Z,*4K+[Y*6F8R-[C]C1V+8.R-3EJY
MDUR_<9_4UEX;B_T5=UVI@Z_RI_:V)SU%'?R6IS8LW,`V2:>!]RM/`ZU''IM3
MT1V'-V7UY67I%1H:J<-T5-/+I%@E.M9@ZVN(D/E*%!K!9K2!YBA7,48T4=?H
M!#P6^X@J2R$JX^!Q30@[(0D"Q$%/`,AD&,"-@B*$*'E:K)8"1IV20SPRL54<
MUS5:Y%\*G`@J=<@UJ(N-O-#AD8V*..OHS83<U&-`Y9(P!,AHAKO-48+Y%_B?
MBAJ\A[55$F;Y\H%>]W!=B.Z;NQ1KLN73.U?7KGW'7.<WP5@+E4[*QTFGE@SV
M+V$_8%@T3*(>IL%1;#FF"-D9`^%[T])8U9J]S\J:8'-YS.4>V,?"-?9T^WUV
M4UUT)*$2FAT&/[(IQM)DETT`SX!A*YU=IMH=H08I/M+(*8QJ7947A=/7=EWB
MSN66/9B:-V)?EH<O+I)*-?\`EN\QO;'R%ILV<=6B#04M#^L,!%46]M9`"PP2
MD/`C:P,:>"-:B.W'8?<5/175#GZ[LJ.]I]C\A;$JZEZGV6VF++D[!V%OT-DZ
MJ:W$`H[?"Z:CF@C+-KC9(JJO&'!<34N*C-$'#CB;;Y.:SM<K(C5NCP.+M+_\
M>;IC,@R\?C6TU%VG%8R4%A:X#.9@Z@T=KGJ$@`AYND=XL&K+-`Z;\?".%L]$
M:SM3:CZQO9U;?Y^RGH\39C.9F3<I14-AIJ0\B[RN;%TN:#NB[G%E0QQV!<A^
M@KB9I(IAR!UD(K`152VF#[Z?B^E++*;/L$+39^+6Y>VIK.SNC[0EEV^U''UF
MC-T%TN?NSJ'/ANF&74"6T4QS1(A7@3DR%\''+@?VN=P?A/R/]@'8'WG]F?XS
M[3]5=Z_[F_M"_2OK^W_3/Y7]3?@OZ[]]]O\`J[_V_P#\N_KW!C\O_]?W\<!P
M'`<!P,=<%'`5%H=5U<MY9AUQQ5=20%B`37!PXTLPE7"<?)""'+8$,;"V69[8
M8U?ZGJC45>!UPS]F_%+/YJOR7:]<!2$?AK&73XVOU&S$#P&8U!)>49U_+U_K
MKO,=@1Y"Y?1_;$9JFH2:5K1(K,D(4-XQ"%Y7F1==,9J2[AU766NI+QPX-M=B
MZHD'47Y(?9MQ9P!R$W`VXU3)QS/\WX3T#J8OV`-?7CLCA9']O".?"K-!V7U?
ML=[5W=STGHR349!NUT5M-5"0X6[Z_IN@]+B[G39*O[#^VNMDX;O(48.YKXY[
M&N@<@$G]44ES!B])9C^[_C;W7O,C:T519ZVYU_XTNCT).FS]GD:0>IFR^VR5
MB-&G89F>HM-J2\^$7!45PWZL);2/DL`(QPG/8.8C-S:=;&;KNFGI>D*FW*SY
M6S%9"ZD[.F=OM5H*[/"=H;*(2OQDF3N+.FH.V+<(UM.1<;,RI@*%!A=!+]J@
M]<KJZ#[8R'8MOI#AJ2/&;G4@T=]I<Q)86Q)AUMF\QDJ/7&&#$#A5@EWC+:V#
MSYK/MX;1X8=<42W[(NJX*M`+IGK6MF$DK\RP*`*'(Q050MK>09_WL%+028VT
MGS45FW/EZ#.QY:NA&LIAGV#!0H1_>6!B1\)E(*_`XVI)L3*[/5XA5N2,9931
M,D1YA0>OT6^%GF\R*BOAV6LLK!OCQ_6#)%_8J(@2F4D>%S&33PQ/E\>VR65D
M;I/,T`Z>AKG(K_)!,;/I_JY&M_:Y$4/MP'`P.CI77]>."TQP*P7V5NEF;$LR
MO;FM/3Z-X?H2:#TML&52CJ_U+[:2^KTO\>AP0[N+!G=DX$_)UMBRJ/EO,3?"
MF2%7->WWL;N,YLFBI9YT^LOZE]A^`^W:8$1$6&Z5)HG>MC>"-/K_`.$%[HQ@
MJVS["S9-6%B.U\3!%+A/>LXZ'MG"=IYJVS!>E+NR];I,]7:'L&"Q1;BQL9S/
ML?,O@R28V<N5PX?XSMPG8`>TK+FGEJZQUL'5XG\$@F;K*RX[4[IWT)M4(.2H
M]7J,I5=K15M47'"L<(<5@,D3&622AC+&Z[X[:_6V%L.9;=9V.77L;3[^HI=E
MBK;8UA,^OR=CF"&:+/\`ZAH@R;#,SV/WE>3$2WUL9*.K87D-+%&4'$^%)!FV
M`O\`<[2@["HQV5=9>UNBP50ZQ[!I,U;9ZRR3NPR1GQ`:VYH@Z\L3[D\<N69Y
M,Q/N,:4X2`9_"YOCST2?TC#?C$7%):0W-)@0IY*VGF'LK719:E,K-!L;V[LR
M[&[,+T[IQVM`<3(!7H&L@S8WF$-X*^=Y\:\SJ\]54&I<+;H#V3V/K22ECL(6
M%93L?M6S[0N\5/6QV*5EF'9S)7!$N-B(8Q1$,%8.;$+/`,K"Z<Q.RP..;0;G
M?&]BW3;"8E+TZ,ULK!WBA#R1)+:6=Q9R_D+`:>Q>R4F2(.8YX@C8@1Q88R-?
M[3XJ6VCS&(S.LT&%TP'45#A<OUN#98*:>O.J\=V#U1NBC]O#9:"U81<7@74E
M?5-4%@\0:2EE>F="6!BERA&F^#1=FD#,]V"%F`R:\0725(&.S\P5_<SW'8Y-
MMOE=<`7?XWL4.IV@@M;=01LLQ8`I8(R(DGBE%&?PV0BZ.""Z=[=ZNJB:NK)[
M6L>_+@Z[#IV#L;:]V:?:7_Y*S$AFCEM3J@?40CRROE:\EHB>%8WTM8,L5VK\
M>J_?:@;:TEE^EM(+7S>^8-/=QMO+1AV6>&M@VNMZ]M7')39M!)[&O;!>,FAJ
MRQS("*2O5@RNO%T]QGL=DZ#0Z";67]'F:&GO-22/]H1I;BLJQ0K/03BK.4HT
MUR;`\ET?NR>ATBIZG>/*D<33X#(;(FO-TE-%9&50[QJPI2CA2*]CM'DM>V0.
M8$H:0<L?382H-AG8J3P$`1NC>W][U!!9/CQU/,-3@RT=[*!G_N(J.ODW_8;Z
M^IK2BL\=)G0`7:M1!LA&7DZR2*E:Q*F!P,/MCL]"<+E(Y>I<*Z/!1#UUM4MZ
MSJ64&+7/Z[89J2LH&MH&NH2YL_?5LM]1D)EJ_P!X.Q<6-.HD:R,>J+Y(CB_'
MGJ=RPS.H[Q;&&9Q4E\N_[#74'G?E*"W@L[G5_JK]2WMM7D9@&(,LTJ<D(*%0
MX'QB22PO+E^Z[X^]4TT-9!1T=S0)3`9>KK)<_N]_1%B@Y#/A96H@:=4:@,Q_
MOYRJ!#L7/D<^Y@K`&V"E?8A^P3*37_4O6&IUN9WNCZ_R%UM\=80VF8UMA05I
M&CIC1@+:M%E$N'CJ>C!!;PKV8W/='%++[K&I*UCVA^(.I>NQ=)3Z\;,C#Z*B
M-N[*OLH2[*)WY+03:>>QL3QF&H'<6#9-O=?;3F1SR@MN#FC.A:60D@6+P'`<
M#$W]%4ZBBNLU?!LL:/15-C17-?(^:.,ZIM@Y@+$.20>2&>-A09#V*YCVO1'>
M45%\+P*X,Z&ZC/*T)Q.)KOO-3IYMK<E0$V@<\FNFJ\[5?J4"0,^!U+=P1Y.O
M)A)"^WE'LH/OXE8=)*0\9<B#I+K(6L*J1LV\<8^;-EG3P7NDAM33\EOKKM*C
MM2[R.X;=$W,78>B/MR#7D.*.-+E>3)-ZU3@RK"G^)O6S9-,1K(2M!-HZS])-
M'I[G;9&JK.N!Q[<`+KT0&OVID\>6E`NI6&5D9$5',]D/L5XD0PT,)<LM3_&K
M&BZK=:VX)L"S];9T154S-W.TQ?Z0#S-IV5:U'X`VJV<]G2W)+^W+V&RGJ9ZH
M"Q'+<UX+72EO)&5Q9W$9S+'W]M4CV#[;3DPDW5K<WU_I;,E@LADP%9#8:2TM
MC*^@JIK$EX=:,^&O">5,Z"&-9I%<1AX.JL,,_&)#5G-"Z^JZBGR-&[2:>7+5
M0M!"D%$0_)2W+\S97%-&UOVM@6).>.Z-CF3-<QBM#\R=2]=RZ*GU;\R*N@HK
M:[O0+!"[)BR6^@GF)//M!F&M#O9H)YW/"^^C(2L<J?9I!X3P,K&X#@.`X#@.
M`X%*]TS&Q!Y!"/UZW$RZB2+>.ZQ&V96P_&.SMZM(R-O7,$V_'I'ZE`ONYJ;T
MF,>D*2JE>XYS0UPW_<W>]+O+Z@Z\QNI7KN@P"GA66@ZA[ATNDM+BDM^F'PA9
MNS#H+("YL]3E-Y=1#K:FJ8EO3RM-'"'#--E+PMCJ:[[?#M#1=96WES17YGR)
MT=2+:4)]7>9=^7[KE%Q&:-T%K=G59L.URNI66F8]P@P]951(,LP[7S(.%=?&
M35]G7>2[$RVZ'[8J+QM&)J1NQ--D.RH6"GZ3/-JGT^(K.S,=66EO<Y<O/K:V
M8:!#@-M;58:T+[#T10BH97:GY"YT$.\P>3VVC9E:(*C_`$UK0>XIP>VK2U[1
MH**?0@D]NVKMWUVV*BO##)HKB(N2K^P7VBBZ6!AMA%X9RUWORBU]#NZC,-.J
ME&ZR[=M\[MF=';/#W-QLJ[!=;39#,U&8WMT5/3'0[;86BA%$?=,L1JQ161RS
M!E'RU.$M[;#[0T%!USIJJEVMV?4FWQU4#C>P.W>MR]_61]"=E:.DB[2R%0)U
MTG7Y-WV;4T@RAG.+<"5.P9TT3I7CO'",T?9GRKTX@TZ4@V;'F/RM?`45T[NX
M+$H;0]H==Y.[NK"ET9].30?I7-VV@-^U5"6/#%%.D(2&,B.48GML3TM<=KVU
M:5+VHE<IQ`(%D&VNQ5QC(P)I[K5U152\:WT.@E*=#74@)?ESV2M<<KE_A20M
M8*M=]%327L&FDK`Y-")4ET0ER^!C[`6FL#`K"PK!27(L@X=@=6#2SL8K6S/&
MA5_J6*/TD9;@.`X#@.`X#@.`X#@.`X#@.`X#@?_0]_'`<!P'`<#XDCPECSBD
M,]P<F&4>>/U.9ZX9F.CE9ZF.:]OJ8Y4\HJ*G]"\"JQ^C.KAO1XS4I#Y![`.Y
MFL=!I[0C:!6<1,)0/9)-E<ES]H`I$9*V&'1.M(AT>OM-9P9?*3H;JD@BF,.R
M[[4NAAF'K2KK0:>[(9!(^T<+$9/;W1LMHRDBO3H*M"EF_$"G$CA?;P$31O&6
M3+Z<ZS.G@)(R-?[XY+BDD@F.$=.Y^>SV5D&.^T+A2RK)*7(U+'!D>Z(Z:J"(
M6/[@4>6,9?FMZ=Z^J74J!5-BT+.6+[2BI"-5KCLQ5$-4%]?`%E#KTG-05>>(
MK8)Z<%!/LJ4F))@(AI?W^!GX,%D1M79;B"EACU-L+]J;:MG,]:M<)75Y!(PJ
MDJ#7V9]=3`#%F#Q1%F#5P<4\DD88S8@XE%UE@LS=CZ*@S%=4W`F;'R(I0:31
M-&SXT-**T*`3WE#BEF#S56/.0V-"21JH&&61\08S(@G7`U@[NZ-.[:[(ZKOV
MS`U]=@,WV`7#<S55'965?L"M=TSH\?'5$V4!-IGW%R8@O[FQK$A/A%8^.$@>
M6:*5I9<*0K.L?DP7H,GH"FV3%H\KF:J7^T'59;66T>TG[;^.NH[2O6%43QAG
M8344^$LR:\&%1YQ)1B&#C5L1%>"/%X3/"L[A$[,ZNR]B3MPXK7)2ZKNL/6[&
MGT[ZZVP@LX,%GFBJ"RMA*VG[GW6];)$(V"C&0#&$Q#5XT*R0-J.+<9OOH:BN
MLIE\KNJ@<+8_(70A6V8V?6V>?H+_`+$[!V&QZBT05D;H+2P_2F1_,^[>5UA7
MC/(*D':HEH'$6$0.''$POR:TO:Y4>HM='E>K[6_]&EDRFP6N<0#347:=:!<9
M,Z3?Z>]IP]/.1FIB@PJW/(),UR>S/+',?*.%C]04_<$-!V!#W-27>F+M\CEY
MIH;"SR1TNDTA>:M&;O*9[,LUMEUS7YL,]81*Z>4;/LL(YO18C2O'DLSA?PI0
M+XIZ>;'=<NK)KC*:C*Z[M9*>$HS&9XK+X?LRYO;.P=(_K8!:7":=U#,E9YP[
MA`Y2RH23(RXHIXG#+;SI9O8,77E*/V71T>;T@;S08J3/BUU>!7T01<HM"-^-
MIKG14U<^*LBC:V$0XF%(48OF-ZOAB)5J\!P'`<!P'`<!P'`<!P'`<!P'`<!P
M'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P-?/D-/>@464N:+]:6LM'JF6A.'Q0O9
M<)W8$45/:P09TC4]8,=89!L9L\9<)%LC\^5..T0](HYVEBEBD\AW1\CKO2%U
M^WP1W7^8=>PB.O*[J7LG7VE-:PV-PW]%,KP!Y!;G/'5@X2NV8KRJGW8345@C
M3JUPPX<M.U_D#I69FLK\A=T<HU#C!NS)C^JM[7^K8Q]9_(6X[&H\C;%D4\#J
MIF^Q&4`#N07V(3X;/TB3S2'!$QC$5>3V=\IL<56209;;[)#-#V)!?E&]9]A'
M0=?9::LZBN,:-4550YD?8$LTQY5?&4YMB<-,XR221OVEI$Z+B>UXTFZ^0U_U
M1WXEA0L`[<H<-=G==+38_5T..=KCLC>R9_/4!>XI67NIL*+0UX[3RHZXVMG<
M1%*-++[\E>!4XX5^14]\D4.!M.O[7>5JT5_L<K!^73LU]AI@]#4QF0]CV&4[
M@N+FW8-F8G'1PUNS+BA>?5Q,K7PI9"*X-KNEM;>[7KRFNM%B[W!637FU:T.B
M*TAMK]M4%2UPEB07L<YD=64^P@';(^4^M&EED5SV+/"Z(F8E6KP'`<!P'`<!
MP'`<!P'`<!P'`<!P'`<!P/_1]_'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!
MP'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!
CP'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`<!P'`__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>g655598g18w81.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g18w81.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0C<4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````VP```G`````&`&<`,0`X
M`'<`.``Q`````0`````````````````````````!``````````````)P````
MVP`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!C\````!````<````"<`
M``%0```S,```!B,`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``G`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5),XD-)`D@:!`?E"C'#\C2S@M:.3_(U*2F&175E'TWUN=Z%C7:/+
M`3$AWZ)^Y[/S?3L4L1S6ULJJ816R6R7$P.WNL]S_`'+#ZUUWJ%&(^[&V5;6N
M(EN^"!N;R0L3IO\`C`SJ'[>H8]=]#C+G8[?3L!/TG['.?7=_X$DI]`256C+9
MG4496#8VW'MAWJ#@M\-?HO\`S7L_,5I)2DDDDE*2201:YIL-T,8TRUW'M\S+
MDE+VO!/HEI=O8XZ$#C3;]+?[MWYJ#4X4N<RNIV\_FEQ.H[;G2UJHY_6,@5EV
M(T-#3.YXDD>.V1M7*#Z\=:Q<VSU&8^16Q^TM+#6\L'YK;F.=M_M5/24^B)++
MZ1U[%ZUA.NPB67L]MM#_`*5;R);OC_!O_P`':WV/_P"@M*O?L;ZFKX]T>*2G
M_]#U58W4'/MRW:$MK]K?RN_Z2V5Y?]<^GG$^L.0\MBO,`R*CXZ-KN']FQO\`
MX(DI[%V%TR_&=5U.]E;;AI4;!6[:=S`Z9:_W0[;M7&_67H>+TJVNW!R!D85K
MG5R7->ZNUH]3T'O9^]4[?7N_2?OK0^K?ULP>GX#>G]3H<]E,C'NK8'^PDO\`
M2M:3N]CG>QS/S/\`P2SU+K./U5M3L2KTL1LN`<T!SGG]&Y[V-W;=C6[$5+?X
MN<]_K9G3B[=5M;D5B=&DGT[X_P",_1/7<KFOJCB?I,C-VAK8%+'``20=]O'[
MOL72H*4DDDDI2RNM9=-?I8[[F5E\O+7N:TD-(V_3/[RU5Q?^,;I[GUX?46LW
M,I+J;G<[186>BX_R?5;Z?_7$E.KB4XV5N]2Y@I'M<6O:22X3L!]WYH6%]9OJ
MMT^C$MZETR\N>P&ZZAS_`%`ZL';;;3_A&^F[_K2ROJOU^OH>3:+J?5Q,G:;`
MP#>U[)V6U[BUKO:[;8S_`#/^$Z/J7UCZ?U3ISZ,*EWIY`=7:^QNSV3[ZVM!W
M^]%3S/U5SGX/7\1[9V9#AC6M'=MIVU_YE_I/7JB\^Z'T+&R.LXSJPY@QWC(?
M#I:/3.YFC_WKMB]!04__T?55D?6'$Z/G8[<7JUK<=A.['O<]M;A8`?YE]GMW
M;/S/?O8OFQ))3ZQE_5QU+R,;J73\JN3M<<AE3X[;V.WL_P`RQ:O0.@L%9^W]
M1Q&T%VX,Q[FO?/#V&T[:V?V?47B22*GZAQJL<54#"<P8]8A@8=S2/H_2:[W?
M]/WJROE5)!3]5)+Y5224_52J=1&.['?7FAGV%S'#*=:6A@81^>Y[F[6KY@22
M4^P]3^K&#78Y_2NK8=M'+:<C(:VQO\AMS=[;&_\`&>_^78C=$Z+=Z;VWYF'5
M67@AS;VVGC])[6;6_P#37C"2*GZ7Z9CX6)5Z?3;&WG>/M-@<U[C(^D_:YNS^
M1_Y[6FOE5)!3_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!
M9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!
M`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`__``!$(`-L"<`,!$0`"$0$#$0'_W0`$`$[_Q`"F``$``04`
M`P$!````````````"`4&!PD*`@,$"P$!`0$!`0$````````````````#`0($
M$```!@(!`@0#!`4%#`<)```!`@,$!08`!Q$2""$3%`DQ(A5!42,683(D-@IQ
M0C4W&(%38Y,T=+0EE=875U(S5+4F9G:1L6)#9&569S@1`0$``@$$`P$!``(#
M```````!$0(Q(4$2`U%A<1,RD:$B0E+_V@`,`P$``A$#$0`_`._C`8#`8#`8
M#`8#`8#`8#`8&J+W6KE?]6ZB9WO4_<;N77.\IES%:V[8='ZJ9:RD4MU=P%JG
M6I*XTL$#;J#:9VW0S!F`J234CUG&LXA%RNH4RYDAS*ZU_.B%NZ^[;NIKV[][
M;3)M2SUZ%[1>YSL![=GW;S5X*K.-<[/B>X"'U\??CV=-*0C^W24]+R^S>*J^
M0?MOIC>);'!$YG;@`-Q,)?UC8W=>3W<+[V^[%W)!KZ/MO8SL+<.JM?T&G,8=
M.B.([?>N]=5FT3\Y823LQ9MDIQ<G(G=*>8E"<+ID38AY8F,[LZ>/'7*T^PW;
M&W'O>MW(:,M>R>Y=YKNGZ4UE>J[KCO2@M?,-XR%LL5PML-8=I:XD]<5R%AWN
MBW3.);QHI*K+'0G2*E30:)`!519TE;G,UR8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8$/^\!Y,P5,9S5/V;?ZKMF874H
M>@:54I&`1B[KN^QMGBU/+/P,E$+GMD'$$CUG\X@]<'BH^M,9!^JB3TQG"9L_
MZ8_OMUO[>Y;JV2ROEQ8-=&=PNA=00&NH[Z.6CV2G7JO]NMAOAIF)4B%).>M5
MC)NYZV9/#O`&,7BV`M")`,@5^&8*=([#6[G>XJE3VQ)"3J:>FNWJX4."90%<
MBVNN7=RMG<Q6)Q2(74823^<DY-#7L:Y<KRJSQ`SE$`1;-T.4!'91^W&2E'M^
MWC&P6PKOLS4-0?52DPMGO4G%3SI?==>>WDF^&5<L+-DQ=25;A!=5R-71`OT^
M,L;&68-2(F:N$$Q?^TN,,,!@,!@,!@,!@,!@,!@,#__0[^,!@,!@,!@,!@,!
M@,!@,!@0Q[@NPS0O<KM:@;OV`XV[![2U=6Y6J4*Y:JWCM;3\S68>=7=K3A(M
MWK>UUM9J[FB/#(.UR&!9RV*1%0QDR%*!LMG13)CV\>V>?V_4=W341?96YU9W
MJF;D&\CM38#ZL[$NNBXH\/IS9&V*V[GUXW8^Q]=-%!%A,RA5WAU0(HX,N=)$
M4QFXPS18^VW5EGW*_P!_OF$\SVP_T-8NVT;7"6NPP;IEJRT6IC=9-A%)1D@V
M;Q<\2R1J+EO*H%)(-3)@"2I0\,&>RR=$=FNHM`7JX;6@Y+:&P]MWJO0U,G]J
M;LVE<MM7K\C5UXYDH6CQ$O;I-ZE`55E*/%G9FK%%N#IVH*S@5E`*8HMRE?AA
M@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!
M@1_V3VWT?9^P*]L^7L&S:_<JM596F04E1]D6JH(L(&=DV<O.(H,(A^BQ2=S3
MN,:`[<$3*NY29-TU#&(BF4IN7T37;IKV>O#>]/G-R*X-,TRT3M9:7.>:4FXW
M+7"D6M0+G;:PB[*QE;-5%8-B9)P7RBO!8,O7$=?3V'IAE>\GK.KRDW>[(8)A
MA8-C:^KVL[',PT[+0\D6KU5WL%_7PA7D>Z;KP,Q&/=GRZJ3]H*3LJBR9NOE%
M+I,6EI/0=.T%!-ZM19J_N:Q'PT/7X.NVR\SUKAJW$0:2B#!G76$NY70B"%0.
M!%!2`!5*0O4(](8;;EF[##`8#`8#`8#`8#`8#`8#`__1[^,!@,!@,!@,!@,!
M@,!@,!@,!@>`*)BH9$%""J0B:AT@,45")JF4*DH8G/44BAD3@41#@1(/'P'`
M\\!@,#P,HF0R93J$(98XIHE,8I3*J`FHL*:8"("<X))&-P'(])1'X`.!YX#`
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`
M8#`8#`8#`8#`8#`8#`8#`8'_TN_C`8#`8#`8#`8#`8#`8$:]Y[UE=16K74,R
MK))V-M3*Q2]A>';6I0L)#5ZV:NK3^0<R5?KD]$5J,C66Q59)U)S:C&);HQHD
M6<H`KYZ1LAH#>LKN&1O,;*UDD"-4^E/&3HC:U1X2#&:L5]@D$2-;77($THBS
M+1_,"7C%7T.^4<G106\UHX*`LPL[O2T]8=TT.C5ZNU^1L+B(OLU,N4HQ#6SE
M>++(:5W!2HF:62V<NUC2L6-FM[`'"L:JE.-T3F58J)JD\PHBC]PE"W!/[!HE
MXIE+1M\A0:RD[K;5N^J$?`FN+R1=+6%:?D[1/1=LAEH/Z=#/Z\6!*DA.BE(P
M\^NC'O47+015=S47=3S9MFM>O23PUZ8U%6:PU)3[76ZK91V37Y';LC4IEZ]L
M0':GI=3>6U!Q(M!*J#Y5PW`S61:H/6"XF,+.LM)[T7);0UKEY9QKUX>Z0$#,
MBYB740Q*Q1LVS];7I"*>JF?E0<6N88463CE1,LI#QQW1_,!1-9,=%\Z>B=U5
MJX-'NSW&PK#!SD?#5FIQ@(P[)A27JH[/LEHE;^S;;?VHO*-F[.`B&3*56F9%
MP9:6;-01`2JK)BX4:W5#N-LNU;&:-=6.KZWEW569R1(:WIM2/8R!W%I=T=Y6
M98]\D):OJ3VG6MN0E$XV!K#M)RZ.F5U(KECGR0Z/94*'O1Q==(2VR?KTVXJ#
MN"FIZ:"S5O\`*L<W_LU2E&GH]Y7F3MH[DKTMN.<EGAG[9DHW-%R29/5*)IIM
MF0Z=4U<,,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,
M!@0LV#W;R-%O.UJ>&M22:&O6;D(:5/.W)E^;9IM3-8W(T2D1OJ>4A3+"UV,)
M/1PLC8+!Y;`[CZ5Y!S'1-DRD7J38!]GT**N:L22"7?R%GC',4F[D'I6CJKVJ
M;JKH!/,057FVYU7$*90S:0C(^09F,*#IL@X352*8P%WI:PNNU:)1H.CUQ]8G
M\;?9J4??36U%=O8)N]TKN"J1%D;)WVW4IDBXB;=9HP4G+![]59*G*Y;%`4C*
M)FQ2>Y6K[MF+3KZW4+7PWIWKR!=SL%!QLM4&42_V"XEH=XHC/S5ONE)F*ZTB
M%8"/68.8EN[6F(Y28B7RD<V>@HN(^[<=:WV&S[/:]8,[,C`36G:I7TG%,D-6
MM[2KL2MR>X9.M$=EV8X5A4Z;!.+6@M*`0@N';A=FFF#EF22;F'1;TM%=[1WD
MXA#RT.W\Q]:X2*>+C4U8!$L1^8MH4&ZLRK.%;']!GY"2C==23%TDI()M&*\E
MT")TGAQT7%J4W<-&7&IN=O&V"Z@IHL_!1\.FSUV[;0LJK&FEV\OLE_2Y"53]
M(DA5Y`&3UNNV8E<331BHW.N"!B"X[/BMT3W2S^U;&G!.+94-:23FK1Y#QLGK
M!V1!C!;BTN,C-UJ6DI1]/1_YKU&I<!?,EH-!PU4`X(O%W(Q@HCH_M2JO<))7
M;1<GLU"R2):H^@YZQ/$Y'5Z=/BU%NV:7J%D/)LHI9O;'UZ4W#8)0.J.35A?I
MKU,2"8$R@W'3JFQAA@,!@,!@,!@,!@,#_]/OXP&`P&`P&`P&`P&`P&!&3;MC
MUFVMS0=E42YN'%,J%PM=7G&K]J2!M,5%*TF3M=>+$0UV;.Y9D$I]&\Y.RQK>
M!%ZW1$5P.5,PFJ]H=SJF483TSJR&F&#=^:#6L#B8>2CY1G)RL>I<$:>V6EIJ
M9!HWKC6V@Z])&'^A-CRIO1G.<S@""L^X88$.[9OW8#6ZR&NZO`P7YC:6,T4X
M7DX&S2S2"AI':_;Q3:]8I5O&R,8DY1D*=MJ9E$4@=M2O%(8Y2*ID:O13-PQE
M;>Z;<=4U3>M@.ZI"#,UF53KE<J[2C2RZUOG8#3[;8ME%-U8-I4Y!BTM4VN:-
MA&S4\G*IJD\I-K*+=8$&%2:]P^[("VM:;)5Z&O#UUMO8L$*J,;7:(J2NH[;>
M1%8I**MGVI%K+W*OZD6:V<BK6-DG,Y$/F`I,B`=:2.,,T=M-\N.PF>V)>X2<
M?)'9[,AV$(G$0DY!Q4)'.-(:;G9:LM$)YT^=N'5;NDU+,WZ@*_+*(N4E4FKA
M)=H@*DOAA@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!
M@,!@0PN<GVS+2EXF+W&7>.E;!-LXBU1\JIMF)*@NZI+XS38<;76\DWC*D5/6
M^KGASV:/;L7[6.BW**KA,_G(G-ZI+:W2J*5-B@HOJ3U55:8<Q;QX]EI1>7%Y
M.23I_8#3,ZZ?RT^2QR:RS\DBLNN,B1R#D%%"J@<3%\X#`AW;-^[`:W60UW5X
M&"_,;2QFBG"\G`V:6:04-([7[>*;7K%*MXV1C$G*,A3MM3,HBD#MJ5XI#'*1
M5,C5Z*9N&,K[W3;DIFOK+<U*I"J2,#7HH(FNMJ-+.E[?<6-1N=ELK!J\G=I4
MII%,9QQ5TFL.T;FEYGSG94TVTBH`ES&XBI->X?=D!;6M-DJ]#7AZZVWL6"%5
M&-KM$5)74=MO(BL4E%6S[4BUE[E7]2+-;.15K&R3F<B'S`4F1`.M)'UF&:.V
MF^7'83/;$O<)./DCL]F0["$3B(2<@XJ$CG&D--SLM66B$\Z?.W#JMW2:EF;]
M0%?EE$7*2J35PDNT0%27PPP&`P&`P&`P&`P&`P/_U._C`8#`8#`8#`8#`8#`
M8&)T=2L/^)=IV3*6JTV+\TUEO3S4B?;TM_28*N)(-BNXNO(!3T;,S:S<@DJ\
MDBJRBX2+A<"N`40:1Z+,,?P6B=;ZCN=;V/&K68'K6&;ZU*3_`,.&C/.N=H]6
MI-2(-81A.(?7;?*AYD?'N$X%!V\!P2,1\OST#<I,88MYM*.5K9-0IP2]''UZ
ML2B`@006%S+R5N:.P4/U"4R0)0:/0`%`0$3<B/(<!<.!#>S[MVS7ZWL>>AXV
MEWB)H-N=1#FY14#/0U=2+!URT2-KKJ\>M;YE5V6MVZ)BZW)6E-\G%0[^4>KO
MV2"5?D2'-9HU'MN,V>SF$@*K'66"=N3S=;<0\]&NH"/=V*SPT&T>NI=BV82L
MPU4JSQC*GC5G;)K-,'K0JIA;B(F,P8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8
M#`8#`8#`8#`8#`8#`8#`8#`8#`8$;`[;*O(1FPVUB2JKB0V19V-KE759HD95
MX^,L+`'+,M]A(TS^:<,MQNX=X9)>VBZ/)"X0:J)@FFT0;E-RK>KM?16JK==8
M-G+2:Z5T6=7&!B3-F["O1L4VG9(7L;&LVJZY32=:+96$89R*;1,8!"%9(I&^
MG*J&#/&&+>;2CE:V34*<$O1Q]>K$H@($$%A<R\E;FCL%#]0E,D"4&CT`!0$!
M$W(CR'`7#@0]L^^-E5V`V'+QU=J]X94*VGB7UGK32PEKK0(RM66P62JO$CNW
MJRSNOS<-&UR1LJ;@L1#OYM5T^:HE@Y)F8W#-&I]L0^SV,H+<Y6<[$.W"DI7%
MF4FRDH6)>3E@C*^$D$BV00<R0_EUTSD19'<,V<XPD(\%CK,5N#&6L!@,!@,!
M@,!@,!@,!@,#_]7OXP&`P&`P&`P&`P&`P&`P+0OT<_DZ;84(AOZJ=;1YY>MH
M_@_-:(%1.;K!^'(E;'\JP1[8_2J/E&Z>#_*(X%PQ<DQF8R.F(QP5U&RS%I)1
M[HI%$RN6+YNFZ:."D6(FJ0JR"I3`!BE,'/B`#X8%M,?ZPK1_Z,H?_?>QL-[+
MSPQ8M>U=K.HQ,A`U/7=%K$'+*IK2L+7JC`0L3)K(B`I*R$=&Q[9F\52$`Z3*
M$,)?LP*Y$U6L0+^;E8.N0,+)V9VF_L<E$P\?'/[`^2!4$GLV\9MT7$J[3!8X
M%47,H<`.;@?$<"O8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`
M8#`8#`8#`8#`8#`L"W?ZNL5`L1?P2(SCRJ2[PWS)(PEOCE4VS4Z8]0%/)7N(
M@42*%+YA3F`O()G5Y"_\"S&/]85H_P#1E#_[[V-AO9>>&,?5[56O*I!RE9@*
MK',*[-JG5EH0!<N8M]YIS'<(KL7B[AN9HZ%0P+(`4$5BG,4Y3`8P"%=A:=5*
MW(S\O`5V'AY2T.R/K"_CF#=JZEW2:KMP51ZLD0IU2@]D73GIYZ!=O'*XAYSA
M<Z@7)@,!@,!@,!@,!@,!@,!@?__6[^,!@,!@,"QF>S]:R+.OR$?L.C/F%LDU
M86JOF=M@'+.S3**HH+1-?<HR!T9F326*)#(-C**E,'`EYP*["V>M6-271KUA
M@YY6ORSJ`GTH6682BD).L3`5["RY&+A<T;+,S#PJV6`BR8_K%#`KF`P&`P&!
M8%MVC1*1U)V&PLF[PH!_JQL)W\H(B7J(!F+,JRZ!3A\#J@0G_P`6=36WB,MD
M1!VWWN_E"$/(TFC&EC%>(MC.[)(>B1125*H!5S1L81RHL4RQ2EX]4D(=7]P*
M:^K-ZUS=\<1KM-WY]QS*F*Q<(]K-/3@$Y:-A$XRKM'RK*!BGK]K74@5LJD^5
MWZ:`2;`"JH'.IT`943'%3JI/5IW3OLV[(VN^]'NL?SLE,N=R3J1W\?#LS&C6
M%=B%!&,=S[D"&3BH-DB1L7ZT(D*7Y>1'DH<%SK^>D_\`5GGM\M6T3[JWN#PI
MNIGW.W58?.37_P!;15,GR]:0@)2],[6)(ODCQ\R?'EG_`)Q1R7CK\*9ORD+1
M_?3[^*HLDI8+#K+9J9"]"B%UUO%QQ5N>.5#'URYH*A%0`/#I$">/B4<SPU/*
MMA6G?XB.MNUFS#?G;Y+0J8G(5Q9]461M.I\'Y*8WY-M:<(LW20$`$3%FG!SE
M$>"`)0`_-]?Q6^7S&Y[M[[\NT[NA].TT_N2LR]D7#]QYL[BI7HJA4_,630JM
ME1C)653;A^NNQ(Z;`/P5'.+K9S'4LJ7N8TP&`P&!":V]TYZ3N6R-)J.L:FGJ
M[#6NK*O8[7%RD1DMF4ZEGVD]>P-]1C2420C'D"RE*V6+%\,D-JC`:E3*94`,
M;ABM;NQVNRUXR@U*S9);?$%9Y:3M$%#Z-VX*]DHU9JL;LM4*I2'E60MS"$LT
ME88O7:5@<M#LDI<[UXF*IFWEX,?\-C,'-Q5EA(>QP3U*2A)^+CYN'D4`."+^
M*E6B+Z/>H@J1-4$G31<AR@8I3<&\0`<,53`8#`8#`8#`8#`8#`8#`8#`8#`8
M#`8#`8#`L9GL_6LBSK\A'[#HSYA;)-6%JKYG;8!RSLTRBJ*"T37W*,@=&9DT
MEBB0R#8RBI3!P)><"NPMGK5C4ET:]88.>5K\LZ@)]*%EF$HI"3K$P%>PLN1B
MX7-&RS,P\*ME@(LF/ZQ0P*Y@,!@,!@6%;=GT6D@<MAL+)L[*7J^F-S"^E3<\
M=',>T!9PD4_/@90"$'Q\?`<V:V\1ELC6MO/W#HY6!L<)KS6DO(3$8<K^)?VF
M1;1WDV6K/T9J#4^A17U0SY)*P12!A2.\2!4A1(8`ZA`*STW&;7']/I@6X>X9
MW#R$?(.81>G50Z;5=9O])K(.U$@33$Y1.%F>3A3J`4OCR0`$PC\H?`*3TZ?;
MC^FR(;OO7[KGTW+2[C<<PD:4BX2/4-'1-7B5>(=W-NB%*6*K[)-ND`RP\>6)
M1.(FZ@XXYZ_GI_\`+//;Y:PT?=:]PB!?+(L.YFW'39R:ZJ!92!HD[XI.1,1-
M8TY5)$SEN'0`>4J)TA+\HEX$0R7CK\*9ORSQ1O?6[]:HJ@:PS>L-F))]`+)W
M+7,?&&7*!2%.(J:[>47RU3=(F`2AT@8WZHEX+F?SU/*MA&G_`.(CK#M5JPWS
MV^3,(43D(ZLNJK(TGTN#%*4R@5"U)P:[=)-0!,/$PX.)!X`HF+\_-]?Q6^7S
M&YKM[[].TSN@%LRU!N:KR]F<%,(46<47J5\`Z9"G<%;U2RHQDM+)-0.`*+L"
M.FH"/@J.<76SF.I94OLQI@,!@,"*=^[DFE*WS3]:+J0Z-07+$0U\G'K&;.M#
M6C8#>>6UZ1I/M!/78Y)@]K"#*78O""Y.-QA'1%6Z!%0=&XZ98?A^]!]8M?;`
MD6'Y6C+VM9J(AJ5M+5B]FB24G<GKEM?6"_0::C:<=3-2C*Q8WECCV#AJ(HP"
MH)*(>>D8!CJF?JW8$;M375+V)%-G#!I;Z]'3)HIYU!(0;YR@4)6O2J:B2"B$
MQ790BS%XD=,ATG+=0ABE,40`Q?N`P&`P/__7[^,!@,!@,#5%4NT3?$;2*]"2
M,LU"3D:A*5.UBXLM1=*+.%=>]MM':GM#ECJYDP?4,Y-$=`Q\*V93XM$FIAF"
M+.W(-,=9B5W;_J*^:_O^YK7;G:2K&Z6&Q)5]):2B)-T$`?=F\=F5PC!*%JU;
M"%AVD9MPP'3D',Q)+OE5RBL@@V1%WK+V2OPPP&!9MTOU7H$:,E9)$C4#@8&C
M%+A:2D%"AXI,68&*HJ("(`8X]*2?(=9R@/.;);PRW"".P>XZY6PR[&`44J<&
M?J3!-BMS+NDQY#J=2A2D40ZR_P`QOY8``B!C'#QRLTDYY<7:U'DYSJ',HH8Q
MU#F,<YSF$QSG,(F,8QC"(F,81Y$1\1'.V+6N<7]9JTY'E+U**L%54"_])RUX
M=MB_HZET"AFSI8R\(*.TO/:N4..?.;K)<??YB9B<?`?ORJ:/^!I(R*I@,#VH
M+KM5T7+995NY;JIKMW""ATET%TC@HDLBJF)5$E4E"@8IBB`E$.0P-PO9_P"]
M!W-]NR\;6-HR#ON%U8FLBDO'7:6<J["@F7($4-6;^Y]9(.@03X$C26*^0Z4P
M21,U`PG#BZ2_K9M8ZP^UGO(T'WATW\VZ7N*,D[9(MS6>D2X(Q=\ICAP4.EM9
M*Z+A=1)$RG41)ZV.YCG)R'!!PH)#=,KK9R[EE2DS&F`P(G7[?+NE2=WK\MKF
MN3R]9G-9IU9O7;#9+-]3G-D760CZ^E9XZ,U4[DJK9F3&.//JMHMO8G*;<H&\
M%%V(O#<*2[[H6<39X8DGK]DS9VBF55]&7H9F6:1,J]D%*U(NXE"5F:%"@-<A
MHJR33QL+E5O..5JW*(#"MUC-`=C'VEG!OX:5A(>3KCN.?UZ1BX]_`OH=5NO$
MO(9XT1<1;N+7:"9HM'.&*B9T#I"*9DA*)?#C#%4P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P-452[1-\1M(KT)(RS4).1J$I4[6+BRU%THLX5U[VVT=J>T.
M6.KF3!]0SDT1T#'PK9E/BT2:F&8(L[<@TQUF)7=O^HKYK^_[FM=N=I*L;I8;
M$E7TEI*(DW00!]V;QV97",$H6K5L(6':1FW#`=.0<S$DN^57**R"#9$7>LO9
M*_##`8%H7*]UBA1HR=DDDVA#`<&K0G"TA(*D#D46+,I@46-R(`)AZ4R<@)S%
M#QS9+>&6X02V%W(7"UF68UPZM2A!,)2BR7-]<=)AR`&=2:8D,U`X<#Y;<"=/
MB43J!XY7723GEQ=K>$=3G.J<ZJIS***&,=10YA.<YSB)CG.<PB8QC&'D1'Q$
M<[8A_MF'^E6]TN0O2WET4I)+@/`%3\HNRB/P$YG*)CC^@X937A/:=6+7"7G-
MUT1^"J*J7^,(8OWA]^=,1]P-*TG_`$E(?Y\[_P!(4R*KX<!@>U!==JNBY;+*
MMW+=5-=NX04.DN@ND<%$ED54Q*HDJDH4#%,40$HAR&!N#[/?>=[FNW->-J^S
MY!WW!ZI24;MU(FZ2JY[_`%]B4>@YZO?G!7<BY!%(2]+.6!^VZ$BI(&:`8RF<
MW27];-K'6+VL]Y&@^\.F_FW2]Q1DG;)%N:STB7!&+OE,<."ATMK)71<+J)(F
M4ZB)/6QW,<Y.0X(.%!(;IC=;.7<LJ4F8TP&!&3:&QZU5)BX5&]:RK\O6)JK+
MW@';A[7Y"/M"D#,:QIR[O8<3+QK=A68QM*6^-3;RSU=XW180;URY%F@Q0%<U
MCP>ZW73^2JL^O18V5FEDKG`1<_&2D!/+%MU<N&S=;/H2F6)-F4LA47%QUL\C
M7\PHM&IQBM@@@>-DPDG/H!A,"LN:X_A&<G4UH%U`RYG<VT?5E=@[A))::>N9
M61E6;V-#T;\TK)O%G*K@O(N%E3J&$3F,(F*]@,!@,#__T._C`8#`8&)]X2R<
M+K&R/CUV^6Q4/I2#&`UL^O\`$VE_)N)J/2C`)-:O27O$)!MWYDU99VQ2<'1B
MR.!,W<DZFRH8H84C83LVLHMIL/8@>O[4+O2)B[O$;.P:M=A".H6]7V'+TZP.
MFD@TV(Y]5+NR$E3A*)%170$Z1O4B<U;>FW^[:C=XVLW:#M%BK-@^OIMK1*S%
MI=1]/J<5,[+E(E=XO8`FE7,FBX;Q[(59>23G96'FX@YD2JQ$N&"X33PPP,';
M?W3$ZV:&CV7IY6VNDA%K&>9U(QQ%""*;^7\LP'31\0$B("518/@)2\G#O77R
M_&6X_6N.Q62;M<JXFK!(N)*1<C\ZRYOE33`1$B#=(H`DV;)<_*F0"D+]@9:2
M3I$^5#P&`P(*6B+^C6*9C.GH(TD')$"_#]E.H*K0>/LZFQR#Q^G*SK(G>48G
MJ7D/':'''DN5TN/N\M4Y./@'W9K&C_(JF`P&`P,CZGV[LK1MZA-E:FN,U1KM
M7UO-CIR$<^2L*1Q*+B/?ME"J,I:(?D)T.63I-9JY3Y(JF<HB&+)>E.':'[;?
MNCT;O3A4Z%>R0NO^XN%8@I(55%T+>"V"S;("=Y8]?%?+J.C*(%3,H]B3J+NF
M2?XA%%T`442CMKX]>RDN?UMGSAJPXJUO+-8W#6N-FJU1@5G[">M#GS3HRUA:
MG49JUNI$242(\^@O"'"6DC"=JW=)?3T2+N@?&C0H"&CM<MT[HBBQLQ4[_8_S
M?9"FV)L90/S.663FTIVOBI:SC39-M(H)"BK#>@,@DW013Z44$4R#*KO-3Z\?
MQ,5"+UAH2.@80]?@2-',A'N8*//)0<R56$D&#QM(1$PWFJS'O4)%LJE(-WK-
M)=-8BQ`/@7=`P415X*%K,`Q1BX&NQ,=!0D8VZ_3QT1$,T8^-8H>88Y_):,VY
M$R]1A'I*'(C@5;`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8%E['9RLA0+HS@Y
M";BIE>KS98M]6Q3+/(O@CG!FP1)SM'IDWRRI033,FF*Y1-RD)%`(<HG*($M'
M;[F=A4B%@K#:8GZ]3/*G;6Y2V6T84")?Z'NL61N^K#RIAJ*WV9EN\T-,B_/.
MM[.4JPL1;D9-E#KF]%P:<L^Y:Y=XZIWRJ6^4KUD^OIQ5B?R5ODHF@UB$F=F/
MXIM+S$Y6%U+')\Q[5@,O-R<5+RD0\@W'T[U7U<&P33PPP,*;=W-$:T9^C;@E
M*6MXCYC")ZA\EJD8>DKZ5.F8#HMO`>A,!!180X#I+U'+UKK=OQEN/UK?LEFG
M+=+.)NPR"\C(N1^9540`B20"(D;MD"`5%LV2Y'I3(4I0Y$>.1$1O))TB=N5!
MP&!AK=</ZRO,Y=,@BK$/`*H8`_59O^E%03?;X.B(@'W<CG6O+G;A%O*.&`I!
M+R'[U'X>4[<I@'Z"+'*'W_=@:2Y/^DI#_/G?^D*9%5\.`P&`P,CZGV[LK1MZ
MA-E:FN,U1KM7UO-CIR$<^2L*1Q*+B/?ME"J,I:(?D)T.63I-9JY3Y(JF<HB&
M+)>E.'9W[;?NF47O.B6NN[^6(H'<=%,1.[K"*ZB,#L9FQ:`J_LE#,[$QTG*1
M4U%7D,=59TU2**J1UT"JG1CMKX_CN7/ZVWYPZ62O;E'-J+4ZY'DF7,8=LM<Y
M-1V9I$U-JZ02=,XU5PFV=FD;?*-'";A",(!/(8F!T[5;$78%?!;8:<KB=IV%
M<$)FW-IC9D6QB+&9*>,*"36*9MF,06'36;*J1B<2BDL9L@4XM4EG[U4$O,>.
M#J&Y>UQI37#RI1M$?02S^J19+3Y,4]F9IT==U=8RPP]FDG\HM(&F7TG*1]NE
M"G75<&.!WZBH""H)G3,7=3JA#46`;UR!([!BD^FY9=>0>N9&0D)FS3DC9K',
M/WKI115=]-6&8=.UN.E,JBYBID(F!2%"Y\!@,!@?_]'OXP&`P&`P&!\C]@QE
M6+V+E&322C))HY82,<_;(O&+]B\1.W=LGK1P11NZ:.FZADU$U"F(<AA*8!`1
M#`Q:9>7U9U'?+OK#K(IAYD%A<R-DUR@1(1(,D<"N'UII!3$Z3.S">2A^2G<>
MJ9&6<QP?!MW<$7K^LMG44X92D]8&P*UQ))5-TT,T5(!RSBQT5.A2-(0X"D)3
M<.#B`%Y*!S$ZUU\K],MQ^M:$E)/IA^\E)-TJ]D)!PJ[>.EAZE5W"QQ.HH;@`
M*')A\```*4/`````,OPF^'`8#`8$6-U1GI+.VD2EX3E8Y(QS<?K.61A;*!^G
MI;>3_P"W*:\.-N4+[$EY,W(DXXY<"K_CR%7Y^`?'S,Z<M%V15,!@,!@,"XJE
M;;-0[/`W2F3LG6;75Y5E-UZP0[I1E*1$M'KD<,WS)TD('2616(`A]@AX"`@(
MA@=HOMR>X`M[A>NAHD_(-*;M+7D6V_XUFAW80\OL"',X^G,IG62#-5-S"Q$X
ML4$K'(MS)K0KA4C9@":CYL^80VUQ>G"DN?UM_8,&,4Q91<6R:1L9&M&S".CF
M#9%FQ8,6:)&[1DR:-R)MVK1JW3*FFFF4I"$*!2@```9RU]>`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&!\SUDSDF;N.D6C9_'OVR[)^P>H).F;UFZ2
M.@Z:.VJY%$'+9R@H8BB9RF(<AA`0$!P,4^;*ZI+^UJO9_5Z7RE>J>I?V+6S5
M-'\()`2E</;/1D^CH,['KD8?DIW'JF0K.8X/3MC;L3KZL-Y&/69RTS.MP4K+
M=)8CAHY15(0X3"RJ"@@I%I)*%,4Q#?CF$I2B`"8Y.M=?*_3+<?K65*2DA-2#
MR6EGB[^1?KG<.W;@_6JLJ?XF,/@!2E```I0`"E*`%*```!E^$WP8#`8%+FXQ
M*:B)**5X`C]FNV`QO$$U%$Q!)7PY\45>DX?I#-G1B!ZR*C=95NL04UD%5$52
M#\2*)'$AR#^DIBB&538.LJ7DSDB7X=2Q5?\`'))K#]_VGP-'4G_24A_GSO\`
MTA3(JOAP&`P&`P*Y6K+8*;882V529D:]9JW*,IJ!G8AVLQE(B6C7";IC(,'B
M!B+-W35PD4Y#%$!`0P.U#VZ?<;D.^K6Y->^='5GN-I4>4-MRZ+:/3C&U6(JV
M9M-B4J"=&<H2UAL)W2:`L3(GCH60$SEZ06IXYA*0VUQ>G"DN6VJNUV(JL0VA
M(1L9LQ;&75$55W#QX\>/'"KR1E)21>*KOY68E7ZZCAV[<**N73E4ZJISJ',8
M>6JW@,!@,!@,!@?_TN_C`8#`8#`8#`H5FL,;4X&4L4NKY+"*:G<K#R'6J8."
M(-D0$0`SAVX.5),/M.<`S9,W$&G*;5D):Z3-F2>^AAIM1VY/3RI&7B85VHX(
MJW-5U#+)C!,3D,J+QF4BC9RY/ZE,B"ZCL[N\F)B)VY?W-88#`8#`PYNN,]56
MFDD4O*D5(DZS<?JMGQ!04_DZG)4<ZUY<[<-?ES2\N:.?C_KVS=7^7@#(<_#_
M``.4<-#N15,!@,!@,!@9L[=-^7[MBW%2=TZU?`SL=-DTW!F*ICA%V&$7#T\Y
M5IM%,0%>&GXPZC=8`X42ZP52,19--0JS,P2X?H2Z!W;2NXW3M!W5KYWZFKWZ
M!0EFR)U$E'<2_(=1G-5Z3\D3)DEJ[,MEV3HI1$H+H&X$2\"/GLQ;%9U9@S`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P*/8)V-K$))3\NMZ>.BFJC
MMRIQR82DX`B21>0ZUW"IBIIE^)CF`/MS9,W$.&G&P.'\S=IFS-W@Q\%,G=+!
M303,XBH-P=P15N:L*F73&"9K%.L=ZT(F=HY=J>J33;KJ.SN[R>,Q$[<O#-88
M#`8#`A[M6&&)N+]0I>&\L4DJB/'AUN!,1V'/P$WK$E#<?$`,&4UO1.\HNW1+
MRYGK_O[1!3^40%1'_P!R6=,:*9/^DI#_`#YW_I"F15?#@,!@,!@,#-7;IOF^
M=L6X:3NC6CWT-BITN1ZHQ,=1.,L<0Y.))^L3B2(E,XA[&P440<`'"A?,!5,Q
M%B)G*LS+"7#]"/M]WE2>Y+3E!W7KUT*]9OD&A*(ME5$5'T+)$,=I-UN6!`QT
MDY>NS#==DY`HB3SD3"03$$IA\]F+BJ\LR9@8#`8#`8#`_]/OXP&`P&`P&`P(
M+]U-]%W(Q]`CU_V>,\N5GO+-X*2"Z7,<R4X$!_9&:HK&*/)1%<@_$F5]<[N-
MKV0^RCDP&`P&`P*!:HOZS7)J,Z>L[J/<`@7X_M21/.:#Q]O2Y3(/]S-G2QEX
M:Y+-5;'.NF;B#K\W,@#=9-08F*?R($!!4AAZQ9MUNGI%R'Q^\/ORF9.:GBM#
ME@HMWJ14SVJG6JLD6Z?*/8*]+PI5>L3@3RS23-L!^L4C`''//2/W#DE5J8#`
M8#`8#`8'19[!/=B>J[%MW:3:I`WT+997UZUB5=0138WN!B_,M4*W`1$"%LM2
MC0=A\"$5B!``$ZX\S]DZ9=:WLZQ<D[,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,"#_=5?3+/(_7T>N(),P1E[`"9A`#NED^J+8*@'`B"#8_J#%'DI
MA52-\2Y7USNXVO9#;*.3`8#`8#`PINV']5!L)E,G*L6[\A8P!\&C\"DZC#]O
M0Z23`.?AUCG6MZN=D+[/69^<=,3P<',3)_)<)J%BHQ[(F("!T3CUE9HK"7I]
M2'Q`/CG>9.:X:)[G2;G4Y%V:U5&SUHKAZN+<U@@96&!<%5W0I"B,BT;`J"H-
ME.GIYZO+-Q^J/$E5E8#`8#`8#`8'1![!W=HYIVS[1VFVN3_\*[02?7/6Q'2R
M94XO8L''E4L$2T\PQ!!*W51@*PEZC`5S$I@F0#.%##/V3IEUK>SK1R3LP&`P
M&`P&!__4[^,!@,!@,!@4Z7DVL+%24P^/T,XI@[D71_M*W9(*.%1#[S="8\!]
MHYLF;@:?Y^:>6.;EIY^83/)>0=2"_)NH"'<K'5!(@\!PDB4P$(```%*4````
M.,]$F)A)1\!@,!@,#)NM]56;9C\Z,2F5G%-3D+)3CLIO1,P/X^4D4O!WKTQ`
MY*D0?N$YB%'JS-MIK^MDRGK2]#:[IZ2)QB$K!*D*7S96>33?&,H`>)FS!0#1
M[,I3"/0)4Q5`.`%0PASD;O:[FLC,:**+=(B#=)-!%(H%3113*DDF4/@4B9`*
M0A0^X`SEKTO6+*2:.&$BS:R#%VD9!TR>MTG31RB<.#HN&RY%$5DCA\2F*(#@
M:T^Y?VD^S/N-CY-TCKF/T[?G2:ZC*^:E9M*L=-^H3DJ\U4&::5/L2*[@I3N1
M59IOE0Z@3=(F.8^=3?:=V62N2OO8]O[>78_:T&-^8IV77LX[5;TO:]>:N/RO
M8#ID,L$;()',LM6+,1N43GCW1Q$Y2'.W4<))F5"VNTV_7%F$&,UA@,!@,"_]
M4[(L>GMF4':M16!"RZ\MT!<(4QS'*BJ^@))O(I-70)B4RC%[Y`HKD^"B*ABC
MX".+,RP?I`Z[O,#L^@4C9%6<>JK=^J=>N4"XY#J5B++$M)F/,H`?JJ^E>%`Y
M?B4W(#XAGF57C@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#XI%^VBH]
M_*/3^4SC63I^[4\/PVS-`[A<_B(!\B28C\0P-/UDG7EGGYBP/QY=S$@Y?JEZ
MA,5+SU3&3;IB/CY39+I3('V$*`9Z9,21+E1,!@,!@,#)6N-66;9<@=O#I$:Q
MC4Y"R4V\*<&+(#<&\HG2'4[>F3'DJ)/'Q`3"0H]09MM->6R93NJ/;WK6LM2$
M>PC6V/\`\,R[ZS-F\DB95,Q5"F;Q2Y%(UL5)8H&3'RSJD$`'S!$`')7?:NYK
M&:V[=NT13;-4$6S=$O0D@W2(BBD0/$"II)E*0A>1^```9PUZWK%E)-'#"19M
M9!B[2,@Z9/6Z3IHY1.'!T7#9<BB*R1P^)3%$!P-:?<O[2?9GW&Q\FZ1US'Z=
MOSI-=1E?-2LVE6.F_4)R5>:J#--*GV)%=P4IW(JLTWRH=0)ND3',?.IOM.[+
M)7)AWN>WUO'L=M:#*]-$[5KF<=J-Z9MJNLG9*O.J`11<D3*I+"LK5K65JD90
M\<Y4/YA4U#MEG*29U0MKM-G%F$$\UA@,!@,"_=6[%L>H=DT/:=1<BULVO;=`
M7&$4ZSD3._K\FVDD6SGH$!58O!;^2X3'DBJ)SD,`E,("LS+!^C]K2^P>U-=4
M/9M9.92O;#IU:NT&902BJ$5:(9G-L"+=/RE73;/2E4#^:<!#[,\UZ6Q5>V`P
M&`P&`P/_U>_C`8#`8#`8&!.Y*>-":NDFZ1_+7L#^/@R&`1`WEJG._=@`!_-4
M9QZB9N?#@_WB&=Z3.SG;AK1RS@P&`P&!?6N:,_V':V%<9"9%)3J=2;T"@<L?
M%H&)ZIT("(`8_)RII@/@94Y0'@!$0S:^,R29;5:]7XFK0S&!@VA&49'(@BW1
M*(F,/(B=1990W)UG"ZAA.<YO$QA$<A;FYJJM9@8#`8&-MO:CU_O;7%LU1M"O
M-+-2;G%+Q4Q&.BE\P@*!U-I*-<](JQLU$NBD<LG:0E6:N4B*IF`Q0'-ELN8<
MN`?O5[5+5V;]P5PTO8E5Y*+9'3G:%:%D`;EN%"EU7`P$Z"9/PTWA!;JLWR9.
M2(R#1<A!,0I3FOK<S*5F*B?FA@,!@,#N(]D_:ZVS>PFB13UP9U)ZDM5QU8\6
M4/UJF;1SU"V0"1@$1Z$F%8N#)JF'@'EMP_3D=YC9WKPVTYPZ,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,!@,!@,#!7<=/&A-62Z29^A:>=L(%(P#X]+E0SQV3C
M[?-CV*Q!_0;.])G9FW#67EDS`8#`8%[Z\I$AL&UQU;8"*1%S"XD7G3U%CXM`
MQ!>/#!\#&(4X$3*/`'6.0HB'/(9;B9),UM6K=<AZG#,H&":$91S!($TDR@`G
M4/\`%5RX4X`R[IP?DRAQ\3&'(6VW-5X5S,#`8#`QOMS4M`WIKFU:JV?7F=GI
M5QBUHN7C'B9#&(!P`[61CUS$.>/F8IV4CEFZ3X5;.4R*$$#%`<V6RYARX!^]
M;M2M?9MW!6[3%C56DXMH*<_0;0JD1`MOH,LLY"`G123$2(/B&:K,WR1?E2D&
MBY""9,"'-?6YF4K,5$[-#`8#`8';_P"R/M=;9?893(1ZX,ZDM07&YZO<K*GZ
MESLV[UO=($A@$?E08U^Z-F:/``7RVH!XB!AR.\QL[UX;<LX=&`P&`P&!_];O
MXP&`P&`P&!#/N\D#%:4>**;Y5W,Y(+%Y$``S5*-;-S"'3P;J!XKP//AP/AXY
M3U]W&W9"+*N3`8#`8&P/M5JB<;3I"U+)!ZRR2"C=LJ(`(A%1!SMB@F80ZB^;
M)>HZP#P-Y9/NR7LO7#O6=,I39-T8#`8#`8&@_P!_O0;&Y]M],W['LB_F73%Q
M90LP^(D4IE:%L)9&'62=JD)YBOH;FG%>F`YNA+UCCCYE!YIZ[UPYVX<?V5<&
M`P&`P.I[^'/N"CFG]TE`56*5&$LNL+@Q;F5*!U%+1%W&%E%D4!/UF*B6H,RJ
M'`O`"H0!'Q*&2]G9WKW=*>3=&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&!#;N\D1(PI,24W@X>34BJ7GX"S18-D#"'/'S`_4`/Y!RGK[UQMV0?RKDP&`
MP&!/_M4J:4=4I*VK)!ZVQ/E&C54Q?F+%11Q1$$S"(\`O)>=U@`!SY1>>>`XE
M[+UP[UG3*563=&`P&`P&!H6]_?0$==NVFJ[]8,2A:-)6^.BY>1(F`&5U_L)X
MW@7+5VH0O6KZ.ZGB#-NLW0CZEP!0ZEAYIZ[UPYVX<>^5<&`P&`P.I/\`ASK@
MJO7>Z>@+*B",7-:LN$<@)S&*=6>8W:%F52)@D!$A2+7&`&,)Q$_64`*'0(C/
MV=JZU[NE[).S`8#`8#`__]?OXP&`P&`P&!JJ]PKN(TYIBX:[B=GWME4WDQ6I
M:1B6CQC-O/5-DI1-LY<)_2XU^DGPJ4I1ZA*8>`\!`,KZ^*XV[->?]N_M+_YS
M0O\`L2W?[O91R?V[^TO_`)S0O^Q+=_N]@/[=_:7_`,YH7_8EN_W>P']N_M+_
M`.<T+_L2W?[O8#^W?VE_\YH7_8EN_P!WL#?SVZSD!9]&ZMLU5D$Y6NV2G1-@
MAY)%)=!)\QFDADDG)$G2:+@A5@=<\'(4WW@'PR&W^JI.(TZ^YUL?;6B>\#MD
MW5N2;W?$^W7`MX2(L4]V_;$<4E_KW>D@OL1):U[<@Z[(1%VMU%7KKB+`YTG*
ML4VBFTH@NS65<D(XXJFN,7Y9YNMA[AZC[P/;S5)S?<S-:-V_H[N$FJ_HR$A"
MU:G59+6\/K5!E(651.7E'6P;D_L=BD70R3GTR+5J+=NV;)="RB[NSIXWIU:^
M]K]P._\`LPW'WJ_1Y_N<HD;2/;\VQL_5>O\`NCWE_:9#;FRX79\73X'N&U@K
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MB:7K8&:B)V-,4R0"87)9&.2%$H_*98"@;Y1'.]?]1.\5P`Y=,P&`P&!T;?PZ
MK]PGM?N5C"B7TKO7E'?K`)0$XN(ZR2K=L)3_`!*4$Y17D/M$0^[)^SB.M>75
MWDG9@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@<S_`+['<-N;3.V="QFL
MKY)5./EM=VE_(LV;2)=H.G@65JW!RH23CGP`J5!`I0$..``>/B/-?7Q7&W+2
M2P]Q/N[9<`IM!O($*D5(A']&H!NGIZ0!056M8:N%51`O`B<YN>1$>1\<HY7H
MP]SWNA:<>H=4*4X2*G^WU$$^3AT\KC],DH[\4W'B`?)XCP4/#@+U8>[#OU'@
MLA1]1OBE2*0#-XFX,5C*%Z0%54XW1VB;K`!Y*1,@<CX<!X8%Z,/=PO*?'U/3
ME3=_A%`?06:8CN5_EZE`]0PE.$A\>">(AR'S#QXA>K#W>6AN"R>A'"/"1>56
M&RDW/F+!T@?A!Q16GDI&\1#\100\`\?C@=7':+<6FP^V;25^8QQHAK=J!"VQ
M*,.Z*]48?F%,TL=JLZ(DB1==%1V(',!"AU@/``&0V_U5)Q$7>]ZP6S7FT-$;
M)N:=_E^V&$G'JU[)J+8UYH5YU[+U_7.Z+#/WF<@J'+5B6V=KU6`28O9-`LF*
M\(RK3L48Z3"4622Y=3B_*1DP>T1W>;K-N%]MSFGVOMMW^^6UNJXB4:/'SM(V
M3VNM(RTMF3*(:R[^R+,[Q((&7D'KQ-NW4\MHFV!5R+@=D:]LGV]4-VW.$TO"
M[IJ=FNFG.XN2H]DV7N=UL'5FWMQ$J;2P4&H:MUY8]C[$@M3N*K/N#/P=/HFJ
M-"Q[)PR;LG[4ZBK/&Q?_`&PW0'.\]LZ\K#3?B6OHG3^EKN9'N%EMFOK=%;`L
MEKW-6[)].:;DD9.]MH2:CJ4S3`[8R=77>1+A6)\WK=KJ:R\1C*M=V]+V3WFZ
MZBX?N$HS6JO$-Z:QKVEV&QZH29GIRG.Z6U5NUQJ3>6"9_,=CLK:1:UN/=)**
M(PD=ZY#H4E7;=#&XZ<*7[>=XV+)M]4LKJCNF`8;)[1-9;1;(;UV@3;DOM6]M
M6]4+LK:.OI-/8.TG5(J+4;U#D=1+V3C5%E9=J="&CP;KG="LZ^Y9!M+#V%]T
M[!Z*0(M]33LX05D@5)ZNLJM+(P`""HEPJ9]$I@0W(]!^#<&XZ1[U_P!1Q>*_
M/QRZ9@,!@,#HQ_AUG3@FWNY%D54P-7&MZ:Z60#CH4<-+._2;*F#CGJ13?*@'
MZ%!R?LXCK7EU@9)V8#`8#`8'_]#OXP&`P&`P&!RI_P`1?"K(;$[7[$;S?(E*
M7LF%3Y2X1\Z!G*J^7\M;GA17HLB?67@.@.D?'J\*^OBN-NSFZRCDP&`P&!WC
M>T/L1GL7V_M#*H."JOZ7'6#7<T@"AE#L7E1LLJSCFZHG56,4RU:48.`+R`%(
MN4"E*7@`AO,;537B,[;V['>VON6V!2-D[HI,Q<YVAJP1XR)<;`V$PH,PE5W-
MGDJVA;]8QEH9Z[MQH*:MSMZV</XM=XFJ()^<+83H'Y=2V<,Q6/2>K[;LRG;B
ML%4;O]F:_K%RIM-MP2$RTD("M;`+&DN$8S28R+9B8LR6';=2JB1UTA2`4CIC
MR(C+!.OO;][1=:.M@2$#J7ZU)[1H$CJB[S&S+[LW<TU+:MF`-]4UJUFMOW.\
MRL#0)`QNI6&CEFD<<Y2F%'J*408/*_+Y*I[=W9Q2ZVZJL)IINM&O[[K39L@]
ML=WV5<[1)7+32P+ZG?R5VN-RG;G(QVN?%.&C%GZD7'H&%%%N5(PD$9JZ:[V0
M]K%3W%;]^5[4,1';4O)KFO8)XLU;'$8$EL=)DCL6P0%-=SZ](I]KV$E'(A.R
M\1&L9.8Z/VQ=;D>1FXQV4?0O8%V@=LEF9W+26DX.G6F+KCJHPDZYG+A;I&MU
MA^X3=R$%55[O8[(-4C)%PB4SA*.]*5?CA3J#PP9M4WW![<WJ?:ML%(ZI4WMK
M6K]1C"&$H>>XDIIF\?I!U>(F"!C7A_`!'Y/L^(4]4SO$][C6N8QS%QCSK]7'
M,77F"`G]2T;K]8EXZ1/YJ9NH2\!QS\.,]:"AN:+2'G7ZNG55UY@@)_4UZ(7Z
MQ+QTB?S69NH2\!QS\,S$^&YORHCG46L'77YM#JY>L0$?31#1GQT\<='I$T/+
M#P\0+P`_;C$^#-^5#<Z"U"ZZ_-I3(O6("/IG\RSX$O''1Z220\L/#Q`O`#]N
M/&?!F_*B.>V?42_7Y4$^9]0@(>FG9<WE\<<@3U;MUR!N/'JZA\?#C,\8>5;Q
M_9/TA5-;R'<79:Z65(,JVUC"B#Y\W=M^E!6\/G!$B>F([3.0PHCR8_08#B'B
M(?+#W23QPKZ[G+??D5#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`Y:/X
MC*OJ(VGM4M16X>5(P&V:^J[+YIC>9#2-"D4&Z_AY"0=,\H9+QZU/Q/L(&5]?
M=QMV<TN4<F`P&`P.[SV?=AQ^P?;\T;Z11(7]';V?7DZV2$!]'(5JT2PL4U.#
M"(*NZV]8.A`>!_:/AQP(PWF-JIKPF/L[MZUIN"R5&RWU"V2JE.<K+M:XWV#>
MHR@3J+B"M5><,+CKF.L+:BVYDYCKB]37]='K*N43`W6.HTZVY^76<,FN:I7W
MEKA;PYC4E;57:]9ZI#3`JN`68U^Y251E[-&IHE6*T42E9&B1*IS'3,H0610(
M8I3*`<QC2"[>M95Z;E+*T3OLC8).'L,`C-6G<>XKM)UF'M:C-6PL=?O;C?)U
M?6:4JI&M!4&NFBS?L;;I$/3H]!N:^RMZ(UK5(>9AHEA9U?S'*UZ8L$_/;(V3
M;+U-NZF\9/JXC+;&M5MF;_(14.LP*5%BK)'9%1461\H4G#@BHS5_OZI7Y.QU
MZVOHU)Q8JJTG6-?DS*N"JQK2S%C23B*22:Q&RI9`L0V`PJ$.)?*#I$O(\F,:
M:C[=M0Z,2(GK>MR,<HC6X2F,G]BN=YV#+Q5+K?G#7Z7"3>P[+:I>"IT,*YA;
M13-="/1'@2H@)2\&Y13]V"6E&?8?NZ#@&I7UDO;6LTB"8&<,FP.U9BU0[B9(
M"S]5%`%$*JPD%B``]1CI``<<]1>]);M,.-KB5PGS](M]6,(6&M3,20!Z07>,
M'!&AQYX_">@0S1;Q'^8<<OB_">8M;,:8#`8'2;_#G09G%Y[I[*":@DB:IJR#
M,J"J0)$-89B[/RIG1$?.444"L")3%^4@$,!O$Q<G[.SK7NZI,D[,!@,!@,#_
MT>_C`8#`8#`8'/C_`!#>O5IGM\T?LU!'SAH>UI*KNS%2ZU&L?L*L.'9W1U?_
M`)+7ZC16J)OL,JLF&4]?-CG;AR.95P8#`8#`Z$O81[LXW76SKGVNW.5!C!;D
M<MK1KA1TJ5-BWV9#L!92T,`FZ2$=W6M-D`2,8WSKQ"*!`%1<H#/V3IEUK>SK
M?R3LP&`P&`P-!GN=[W;7?84/IZO/2N8/69EW=E4;J"9!S>9%$J2C(W2(HJFK
M,6/DB8H]2;EVY2,`&3$,]/IUQ/*]T?9<W#5QEDS`8#`8'0+[5]4/$:&LUG72
M$BMPV#(F:GY'A:*@(J+C4#@`CT@)94SXH\`'P\1'[/-[K_Y2?2WK_P`MFN14
M,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#0O_$$Z[4L/:IK;8;5N"SG7
M&XF+1\KY/4=K7[M7)J/>+^H#DR29Y^*BTA)P!3BH41$!*4#4]?+G;AQ[95P8
M#`8#`Z"/84[LF.M]LVWM?N$BFSKNZE$K'K]=RJ8C9KM""8BW=PY1$2H(J72K
MMP*4YQY.ZBFK=,!.N`9Q[)F9=:WLZZ<B[,!@,!@,#0M[GV]VERO4'I>NO".8
M?7*JLI:ED%`40<7:0;^0G'B)#'2.>M1"AB'$!`Q'#U=(X`9(<]/IUQ+M>:C[
M+FX:K3%*8HE,`&*8!*8I@`2F*(<"`@/@("&638VL.G]:6?K-*T^(\\_(F=QZ
M)H=X8X_!11S%'9JKG*/]\$X?8("'AF62MS8P=8>T6L.^M2LV66AE!Y,#>30;
MS#0!_FIIF2&-=(D'[SG6,'Q\?AG/C&^3!UA[7]G0W6I'-XJRMR\F`8E^1%R!
M`^U1I*%8"*@_]%(RH_RYGC6^483FZM9:TIY5@@)>&,)N@HR4>Z:)J&\1_!56
M2(DL`@'@)!,`YF*UUH?P].OE(7MMW)LAP@9!6^[>1K[0YP4`7<30JM&*H.TN
M1%(R'U:X/D0$``WF('`?`"Y'V<Q37AT!9-T8#`8#`8'_TN_C`8#`8#`8$)/<
M:TDOW`]EF_-=QS,7MA"F+7&J-TB"=VXLVOW;6Z14>QZ2*"#N;4@S,"^``8KL
M2B)0$3!UK<;1EF8_/IRZ9@,!@,"HQ,M*0$K&3L'(OH>:A9!E+0\M&.EF,E%R
MD<Y3>1\C'O6QTW#-\R=HD5253,4Z:A0,40$`'`[0/;(]UFG]U4##ZDW7,PM0
M[DHQ%&/:BX.WB87<:**7!)BL$'R632X"1/J?PZ?2*AN7#(@H"J@SCMI9UG#N
M;9YY;H,X=&`P&!K=[SN^>OZ?BY;76L)-K.;9>H+L7<BR40>1NO.OH(JYD#\*
MMW=D!(YP;LPZ@;J`"CD``I4EJ^OUW;KM_E/;?''+GM<N7+URX>/'"[MV[75<
MNG3E51=RY<KJ&57<.%U3&56765,)CG,(F,81$1YSU(O3@,!@,#^@`F$``!$1
M$```#D1$?````\1$1P.LOMMUR?4VBM84%=$6\A"U9DM-HB7I%*PS)E9VQ)"'
M`"()3<FX*`B`")0#D`^&>+>^6UKTZS$D9NSEI@,!@,!@,!@,!@,!@,!@,!@,
M!@,!@,!@,!@,!@1"[]]*J=P?9YO_`%:S9#(3DO0)*:JC0A.I=S<:8HA<ZFT0
M-U%,DI(3\`W;"8!_46,`@8HB4=UN+*R]97YY>>A,P&`P&!]\5*24')QTW"R#
MR)F(=^SE(F4CG*S.0C9*/<)NV,@P>-SIKM'C-TB11)0ABG3.4#`("`8':#[8
MWNKT_NHK\+J+=4S#5'N1BT$(YH9THA%PVXT$$>DDQ6>L4VC:XF(GU2$.00%4
MW+ED4R(JH,X[:6=9P[ESSRW0YPZ,!@,#73WF=\=>TM%RVO=<2#.=V\\049.%
MVYDG<;K\BY%$U'TH<HG17LB)?%LP-SY9A*JX`"`5)>OK]?EUO^7&^^.DY<\C
MQX[D7CJ0?N5WKY\Y7>/7CI4Z[IV[=*F7<N7*ZIC*++KK',<YS")C&$1$><]2
M#YL!@,!@>M9%%PD=%=)-=%0HE426(51)0H_$ITS@8IRC]PA@=479OJ9AI7MM
MU;2&<2RA7)H$+/-LF3)NP*G/W%PM9I1)PBV323,Z9KRGICFXY'R`\1^.>+>Y
MWVKT:S$B3F<NC`8#`8#`_]/OXP&`P&`P&`P.`3W+.V9;M7[O=GT5E'*,:-9I
M`VQ]9'!($F:E*N+AR^1CF`%``%M59LCV'#GYA^G]0^!@$?1K<R)V8J!.:PP&
M`P&![4%UVJZ+ELLJW<MU4UV[A!0Z2Z"Z1P426153$JB2J2A0,4Q1`2B'(8&W
M[MG]Z_N]T*PC:Q<WL/W`4J.!%NBSV2H^+=F;!("!Z6/V''J#*N%!*40!670F
M#D`>"\%`I0YNDK9M6U:H_P`1%H%ZV;&OF@MP5MV?_+$*C*TN[-D/E/\`Y,ZF
M937ZKOY@*'S(H^`B/V``\?SORZ\OI\ES_B)=(,FJYM>]O>U;*\`5P;)7.?J-
M':G*'3Z4ZZ\(XV$JD*G(^84J9^C@.#&YY!_._)Y?2(:/O#=Q7='+6BE]-?TU
M7U(\CN)B=?*21)Z0CB+*(23:8N$DZ5DG#DH.T?Z/3C2*)`8#)"`&$:Z::SGK
M4]MKCIPQ,8QCF,<YC'.<PF,8PB8QC&'DQC&'D3&,(\B(_'+)O'`8#`8#`EUV
M0:;4W+W!5%@[:&<5>G+DO-L.8@&;#'P#A!:/CE^K@ARS4V9LV.GSUF0.J8`X
M(80G[-O'6_+K29VCJ`SR/08#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8'`=[G';2IVN]XFT:<P8"RI%PD#[/UQT-_3LRU&ZNWC[Z4P(5,B8-*K/)OH
ME,`$P]#$IA'DV7UN=8G9BM?^=,,!@,!@>U!==JNBY;+*MW+=5-=NX04.DN@N
MD<%$ED54Q*HDJDH4#%,40$HAR&!M^[9_>O[O="L(VL7-[#]P%*C@1;HL]DJ/
MBW9FP2`@>EC]AQZ@RKA02E$`5ET)@Y`'@O!0*4.;I*V;5M9IW\1%V_/6R!K_
M`*$W'679BB+E"G25)O+9$_2<2E0=34OKQ5R43`4!$R*0@`B/`\<#Q_._+KR^
MEU-O?ZT!9[+&5F@Z2V](NI=PHV9N;H\IE1:@J5@JY3!P,'-7Q5/S7:7DATE/
MP40/\>2!L]5MQ:R[X[,4;D]Q7?FTFSN&@7C'5M:=IG079TXR_P!>=MSCR*;R
MUNQ&21-Q\HF8%8=9>2F`P"(#77U:S[J=WVOT@28QCF,<YC'.<PF,8PB8QC&'
MDQC&'D3&,(\B(_'*N'C@,!@,!@2>[/M-+;OWU3*PNT,YK<.[);KF82B9`E:K
MZZ#E=HX$.!*2;?&;QX"'S`9T!O@41#C?;QUM[NM9FR.IS/&]!@,!@,!@,#__
MU._C`8#`8#`8#`TW>]#V:K]R/;E_Q/I$0+_;&@4Y.T,6[1$5)&RZ[50!:\5M
MNFGPH[?,46B4JS)^(H8[)9NB05'6=Z7%^JYVF8XG\LX,!@,!@,!@,!@7IKRV
M+4BZ5^S)"?RXU^F+Y,G/*\8X`6LD@`>("=1BLH!>0'@_`\<AFRXN67JV_(+)
M.447#=0BR"Z2:R*R9@,FJDJ0#IJ$,'(&(<A@$!#X@.53>W`8#`8%/DI-M$MR
MO'OF)LP5(FY=E)U(,$C@;]L?&`>I!@F<"E56X$B(&\Q02)%44)G`Z9NPCMY4
MT;IU&3L#(6M_V0+.QV9-8H`YB8TB*GY:KBGRD.FI',G1UW!#!U)O':R8B($+
MGE]FWEMTXB^DQ/M.3)NS`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`
MTZ^\YV;+=RO;@.R:7%B]VOH!.6M<2W:I`9[9*$Y105O5:(!`!5R[:M8]*49$
M^<PJLE$$B];L1SO2XOTYVF8XF,LX,!@,!@,!@,"X:E+C`6JMSG4)0B)V*D3C
M_@V;Y!=4H_>4Z9!`0^T!S9RRMRP#SXAX@/B`A]N53,!@,!@,!@='?MZ]O*NF
MM2?FVQL_3WO:1(^<?HK$X<PU831.K6H4X'#S$'2B+L[QT3Y3`HX*DH7J0`<\
MOMV\ML3B+Z:XF>Z?^2=F`P&`P&`P/__5[^,!@,!@,!@,!@<5GN^^WJX[6MHK
M[FU?!*$[?MJRZ[A)M'MCBRUE>7G6[D:@X\L!19P$RH"KN%'Y")I`JS`H`U3.
MM;3;,Q>4]IC\:8<[88#`8#`8#`8#`V<=MMP_-&MV+!PMYDE5%1@G(&$1.+)(
MH*PZO`\\)`Q,"!?O%N;*:W,3VY9_SIA@,!@;-O;T[3E-HVAMN*]Q93ZYI\AU
MP$>_0ZV]RM3%0ID^452^6Z@(!<O6X$>4UW12H"!RE7*6/MWQ/&<J::YZWAN@
M*8VG3%25,8^H#F`B"YQ$QM2&,/!&[@X\B;5!A'A-0?W6_5-_J7@87S+\LR88
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`XL_>!]O5UVP;0=;NU?
M!J!H':TTY=';1[<PM-8WR0.H]D:LX(DF"#"MSBIE',*(=*:1059])0;HF6MI
MMF8O*>TQ^-*Y%4U>KRSD4`AS)'$A@,!5"#P<@B`B`'(/@(?$!\,[8\\!@,!@
M,!@,#<+KN8^OT2H3!C=2KZNQ*C@>>?VLK-))X'/(\]+I,X??X>/'PRLXB=Y7
MEFL,!@,#YG#MLU,V(Y731,\<E:-04-T^<Y,DJL5`@CX>8=-`X@'VB'`>(@&!
MLK]O[M.6V];F^T[S%&-K"F2!5&#1ZB/IKI:&9BJ(,")G`"NH2&6Z57AO%)90
MI6X@<!6`DO;OXSQG*FFN;F\.AC/*L8#`8#`8#`8'_];OXP&`P&`P&`P&!86T
M-8T;<VO[7J_95>8VFD72(<PE@A7Y!%-PT<E#H7;+D$KAA)L'!2.&CI$Q'#1T
MDFLD<BA"F!+BY'"/W[]B5R[/MDR)Z\I)7SM]E)^3B:7MOZ>X!B,LR.J#[7TZ
M]1;(1A[C652'0=.6PBP>*-U2("#I"09Q]]=O).S"`>=,,!@,!@,!@,"17;-<
MORUL-&(<*=$=;T`AU0,/!"R29C+PZH^(<G.OUMR_'Q<9UK>KG:=&RW*.#`8$
MX.SOLYL/<;/DG[`1]`ZC@WA2S<Z0@H.K$Z1,!E*Y6E%""51R</!TZ`#)LR#_
M`#E3$(,]]YI,3_3O77R_'2!7*[!U&!B*Q6HQK#0$#'M8J(BV1!(V8L&:146Z
M"8&$QS=)"^)C"8YS<F,(F$1'R6YN;ROPK!BE.4Q#E*<ARB4Q3`!BF*8.#%,4
M>0,4P#P(#\<"!"W=&UUM<]CU=&FSBFLJ?7+57-0Q\10+VR;6W8NK6\*F_P!<
M4^XN(MW7;98K_8[(\KM<KD,DLZ8JTIZ!"+E<)(-C<)#=O6R)G9-`47M954[U
M3[).T6[@K2[/KP7<Q!+IKQ=A0I=Q`;#6V-WITC%SS5HX46.W;2B:8JG$HF$5
MG/##`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8$=-KT^N=S%<M^DYF*:
M3.I95-U7-HS+E!%<LLNU<`#JE4==5-0&\_%R#</J4\API!.4O3,#A,%6<0SC
M@<6_N%>W+L+L7O0F9H2-LT+8WBA-=[&39?(S*/6HE3+H+-$C.)ML>@40(8"I
M-I1`@KM@*)7#=M?7:6?:=F&N'.F&`P&`P&`P-F7;#+_4]4L&HF,8\%+R\283
M#R(`=<LNF4!'Q$A4I4I0^X`X#P#*:\)[<I"YTPP&`P)D=J?9?8>Z"5]586KN
M&TZP=^39;()?*<2RS4Z*QH"JF.'4>9,8Q1,[*`I1_P#U@B94$TE)[[S68[N]
M=;;GLZ!J`U:ZB;5[4KMJU8U=H@2'UI/MFR+-E)-4"**IUB>*W(DW:W9ND4ZG
MG<%)-$`[@G#@'")/);;UO*_#-F`P&`P&`P&`P/_7[^,!@,!@,!@,!@8D?OWV
MRGSVNUUZ[C:-&NW,;<+A&N5F;ZP/F:QVTC2*1(MCIN&I6KA,[>;FVYRG8G*=
M@P.$D#ES$!7;EJS7.PM?26J+I2JY8-;RT,A7WM+>QC<(`8=F5$K!DU8($13C
MRQ8MDC,S-_*4:*))G1,0Y"&!.G`Y)>_SV6=G:+=3FS^V9I-;:TX`N)-[3D$E
M)+9NO&O4919#T+<@N+S6V91Y3>-2#(((\@Y0,5([Q6VN\O2\N+KCCAHH,4Q3
M"4P"4Q1$IBF`0,4P#P("`^("`YVY>.`P&`P&`P/>U<KLG+=XU5.@Z:+I.6RR
M8\'1704*JBJ0?'@Z:A`$/TA@;A:-:&]TJ,!9V_04)>.17723'J(W?$Y0D6H#
MR(CZ5\DHGX^(].5ES,I7HNY--191-%%,ZJRIR)I))D,HHHHH8"D33(4!,<YS
M"````(B(YHVJ]K'MP62YJQUWWTW?5.H\INV-$ZE&=KL)`$#D^MB7I6K$6J'@
M9,>)!0.0Z6_RJ&AO[9.FO*FOKO-;S8."AJS#QM?KT6PA(.':(L(N)C&J3-@P
M9MR@1%LU;(%(DBD0H?``^/B/CGGMSUJRJX%LW.Q+5&I6.T(0LA8U:_#2$P6#
MBUXQK(201[91R=LV<3+Z-C$3F(F(B958@`4!XZC<%$(L3O<YK^/O$;KYYKP\
MK(L:&.Y8B"8DBI"W])*39[\C9:S4SM"-G$2HI"O84LJF^1?!9%R-O2>G5%Z!
MN&3=1;QINS)&191J,#$SQRKC(%:3L8]):)J#>.H>7=5%P+:,E+O56<(TBI!G
M.E:I-W43,L!Z4E16;H"Q(###`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`Q'9[3!V2[$THQN$G7K6K60O4^VAV#]*3>T$K]2`>LX>VI>6SK$LXFGC,JRR
M1CRB#%4QF@-EU4'[8?;)T7%QT)',(>'8-(N*BVC=A'1S!NDU9,635(J+9HT;
M(E(B@W01(!2$*``4`X#`MS8&O:1M:FV#7NQZO#7.E6E@>-GJY/,TWL;(-3F*
MH3K3.'6@Z:N$R+-W"1B+MG"9%4CD4(0X..HY'?<!]EK9&C74WM#MA8SFU=.\
MN9.1I2)#RNR==-NH5%44VB!!=WBLLRF_#<MB'D6Z(?M22A4CO%+:[R]+RXNN
M..&B,Q3%,)3`)3%$2F*8!`Q3`/`@(#X@(#G;EXX#`8#`8$WNSZ8Y)=H`YQ^4
M\3,-4^?#YP=LGY^.?`?D;!\/'^X&=Z]W&W9-G.W)@>:::BRB:**9U5E3D322
M3(911110P%(FF0H"8YSF$````1$1P-J':O[<5FNZT;=][M9"H4X#)/&5'/YC
M&VV1,!`Y"S)1Z7-6BE1#@Y#@604+R!2H<D6R._MDZ:\J:Z6]:WGU^O0=4A(R
MMUJ*80<##-$F$5$QC=-HQ8M$0X31;H)%*0A>1$1'XF,(F$1$1'/-;;UO*W#R
MG8.+LL2\A)IKZN.?$(59(J[AHNFHBJFY:/&+YDLW?QDG'O$4W#5VV52<M'*1
M%D5"*D(<`CW%[XB:G8-@4B\/GKUCJVFV2SK[)709D-:V=!90E@V`U4@X9-0B
M<M0ZM?:P#QTD5!&8DGKT&K-J5FJ@0W#*NJKZKLBF,K$_@5JE/H2$Y7;9474D
MREW-6MM6F7U?L4(>48`5K)MD)*/.=H[(1,CYBHBY*0I%BAAC(N`P&`P&`P/_
MT._C`8#`8#`8#`C/W,V?;L=7H&L:,K]AG=A3SN5G4U8!6FLC14+1HTTT@=_(
M;"E8>JC#V6_+5Z`E&H*J2BD',/UV*956HN6QL^V<J78&-MI]5M,8P>14=8ZY
M"SC**DF@,)*+:RL:V>HQDBP`1!A(1Z:X(KH<_@JD,3[,,7-@,#6;W?\`M2=K
M7=PM)VE[`JZJVT^*HH?9FO&S-BXEGQNHQ7-TK)R$@[<<RAOQ7!RMY10A2D!X
M4A2@'4WL_&62N;WN,]E'O,TDYD)&BU]AW!4EN=91M-:T,);81F0P%0^JZYDE
M26`)%?Q'R(D\TF0`\5N1XRLWE^G%UK4_8ZQ9:=,.Z];J].56?CU#)/X.QQ+^
M#F&2I3&(9-W&2;=J];*%.00$#D*("`A]F=,4+`8#`8%TT^CW784TA6Z#3[3>
M+$Y`3-H&GU^6LTTX*`@410BX5H]?*@!C`'RICXC@=!_8=[67=G*UMTAN6%::
M3ISF2;RD.-I=M9:ZG;/"'1E$T*9%/%%XL4U&J9RHR;F.5$RIC=`@(";/ZZZS
MY/"UT%:$[--*:`]-*0$(:R75),`4O%J!"0F45#$$JHPC<$B1U>3-UF*`M4RN
M#)&Z%%E0R6WLVV_'>NLU_4K\X=&`P/AE(UI,1DC$/R&58RK%W&O4BG.D91H^
M;J-G)"J)B51,QT51`#%$!#XA@8V9:6HD=:H2WLVLPC(U\6;F/9$L,T$%]9CJ
M:[UXQL;N$!Z$>\GFU&D%XOSU"&!1L<HJ%.JBW42-R\&.D==1UMA;PUB79+'!
MN).0;NAEY06[J9E5[XX<3LBP!T#)Y*I&VE902,9,$TR3:Y0)P1MY`RRUAA@,
M!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,"CR%A@(E_#14K.0\9*6)PX:5^-D
M)-DS?SKIFW%V[;0S-RNFXDW#5H455"(%.8B8=1@`/'`C@CJ751=D$W*CL=R-
MZ9[BD%95^&P9(U6=6&6J">J4-8.Z06S!36,LC4_I34J2;1.37E(]L[5!18QB
M'-2A0<MW1#*M5T7*95G+8RB"I%B%<,W"K1V@8Z9C%!9J[0.DH7]8BA#%,`"`
MAACW8#`UF]W_`+4G:UW<+2=I>P*NJMM/BJ*'V9KQLS8N)9\;J,5S=*R<A(.W
M',H;\5P<K>44(4I`>%(4H!U-[/QEDKF\[CO92[R](+R,G1J\Q[@Z0V%=5M,Z
MRZQMQ6:8@"/U/6T@J%B&27#D?3Q!ILA0XY6Y'C*S>7Z<76M3MAK=BJ4N\@+7
M`S59GH]3RG\)88M]"R[%7^]O(V20;/&RGZ#D*.=,47`8#`D7VNR_TW:C9D)N
MDL]"2T7P(_*)T4TI@@_=U_ZJ$`'X^(A]N=:\N=N&T*$@9RRR*$17(66GY9R/
M#:+A(YY*R+@>0#A!DQ17<JCR8`^4H_'.[9.:X3QU#[;F_=B*-'UQ:LM3UQ;H
M44=6<0>611`W'(M*FP7]6BX*(CRG(+1Y@`.?'PYGM[=9QUKN:;7EN!T-V8:2
MT$+65@H0]ENJ!`ZKO:O)D)=%4Q>%#0S4J:<9`$Y$P%,V2!SY9NA190/'(;>S
M;;\5FDGZEEG#HP*?+2;6%C)"7>E>G9Q;)R_=%CHV2F7YF[1$ZZP,XF':/Y62
M<BF0>A!L@JNJ;@I"&,(`(05E4NQN==1\Q-4:(4.^*YW"ZN"U*MJ1I9>>J,]N
M]^QN5H9,?76AO)TLKV8<5Z35>1JC=NF@=J)TVB`&]4A=)*Z911M+#3E=9U5!
MU+!/7*OQ4&XKD?#6M$[G7SZ/=0@)H1$-8&:NNE&SQJR3(43-BNC@8':2[@7/
M=G7##`8#`8#`_]'OXP&`P&`P&!3)H\@G#2QXA5%"5)&/SQBSF-7F6Z,@5JJ+
M)5>';2<*YE44W(%$S9-XT.N4!(59(3`<H1PHVY+Y86.DWDK"0+=&^;-V[K.X
M&683,!,,9#7:.W#1+N,K+B2G4X@TB;5IS/D7$F^%J=?RDCKA^.4W'*V=5]R\
M[+V-C4-O0+2B3JRJ<(8$8*TID=W20+1G`UM5+B90J;>IN;S'Q2LA+.D65C=3
M$0XBU.'Q6I!A,C##`8#`L*^:KUCM2."(V=KJB[%BB@8I8V\U*!MC$@&\3>6U
MGF#]%,1'QY*`#SXXS9Q1!&[^T)[>UZ44<N>WZ.K;Y0QS>JI%LO%23)YA1`Q4
MXB)LB->*4#<&*'HQZ1#PX`3`/7GM\L\9\,!O?86[%7;@ZZ"VZXQ(P$`&;+8,
M8HW3$I0*)B&DJE(.Q%00Y'J5,'(^'`>&;_39GC'MC?89[$F+@5G7_&:93%,2
M>DDMALDFX&ZTS^:!H>KQ3KS`*02\"J)>DP^'/2(//8\8D51?:8]OF@'37C>W
M*MSSP@F,=S>IVX7LBPBKYI?,B[5892#*"8`!``C4@"0/FY$QA-GGM>[?&?"=
ME.H-%UU$D@=?4NIT6"3Z/+A:=7(>L1*?EE$I.B.A&;%F7H*/`<$\`SEJ[,!@
M,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#`^WJQ<+?9-6Q,
M768F3I#&WP=HO4XH_CF]D8&IMOJ5QJ49")2")RDC%;57FLG)JIBHLJC$IM$D
MBJ.@=M#8CFS[2[*_K5I9R4R[CG"$/0J?K&-5E:R_-$Q%&A-I4DLU<7L-1($)
M09NJ[;>H/D$U%Y-=NQ17;R3!XN4C`921TE4-D4=O:ZY<9.+D:G'S;A#7`HK)
MO9T(`)*942=3\BE$1"CU](0ZL<H\4>"^DG$[]3=*O%47+9)`QG/`8#`8%@7_
M`%1J_:\:$/M#7-%V+%%`X)QUXJ<%:F:/F%,4QD$)Q@^304$##\Q`*8/B`\XS
M9P('WCV@?;UO*KAVXT`RK$@X$P^LH]OO5421$Q!)^SPD;9"5E("CP8`]#P!B
M_<)@-UY[?+/&?#`COV%.Q9RX571=;N8)*"`D9M-@Q)VZ``4I1*D9]3WKL0,(
M=0]:IQY$>/#@`W^FS/&/8Q]A?L4:.`6<*[JE$P*8HM'VPHU-N(F#P.)HRIQS
MKJ)]G"H%^\!Q_38\8DEK3VH>P?5,FRG:YH2.D)Y@H"K>7MMKO-N4*H`+%`P1
ML]97L"G^&N8INAH0#EXZ^K@,SSV^6^,^$\:U3JC3&?TZGU6N52/\/V&M0<9!
M,_EYZ?V6+:M4/EY\/E\,RVWFMQ)Q%QY@8#`8#`B96.TJI5R\4*Z'?Q\TYI&N
MH#6QWLM4XQQ;IJK0%"DZ$2C.;<+H5$-0RHRRD\]JPM%6Z]H32D//+T"B<W*X
M*AVUUVCWBO7"N3*\.VAU9U\\KD/&,XB)>O9@+8W+'L$F*B:$13B1UJ;H.8OR
MES._RI6#"X(,-P[&4D\,,!@,!@,#_]+OXP&`P&`P&!8VS/ZOKC^XW[OR7]9G
M]7W^3F_?'_R__P!I_P`'S@8TUY^X^A__`.>_W@DOZO/W'_<O8W]0_P#Y@_[3
M_P#9?J^&_*WYW]_=.?\`\M_UE[<_IW]_?Z0>?U.?_LO_`/+O_J/,P)2888#`
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`
@8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>g655598g27w51.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g27w51.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0X(4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````ZP```4`````&`&<`,@`W
M`'<`-0`Q`````0`````````````````````````!``````````````%`````
MZP`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"VP````!````<````%(`
M``%0``!KH```"U``&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!2`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#TUV=C,!<YQ#6@EQ@D"-3]&?S??_Q?Z3Z"=V72UQ;#W1$EC'N&HW?2
M8US>Z1RL.O1UC*XTAT-CR]R@,O$IMN9;=76[>#M<]H,;6=B4E,_ME7[MO_;5
MG_D$OME7[MO_`&U9_P"03?M#`_[DT_\`;C?_`"27[0P/^Y-/_;C?_))*7^V5
M?NV_]M6?^02^V5?NV_\`;5G_`)!-^T,#_N33_P!N-_\`))?M#`_[DT_]N-_\
MDDIR<;I]N/D^L.HYUK#`--K+7M@/;?[-![MS7LWO]3]!;Z'\VRI1LZ9:_)MN
M;U+/8RUMC6TAEI:SU'6V>I5O:[]-0Z_]6>_?75Z=-?I>G12MC]H8'_<FG_MQ
MO_DDOVA@?]R:?^W&_P#DDE.?5CO9EUY+LO)+*X_5VU7"LG8*7[@_U+'-]OJ5
ML=9^CM_2?X2Q:/VRK]VW_MJS_P`@F_:&!_W)I_[<;_Y)+]H8'_<FG_MQO_DD
ME+_;*OW;?^VK/_()?;*OW;?^VK/_`"";]H8';)J/]MO]ZK'K#1PQKAM!)]6L
M&3&ZL-+OIM24VOME7[MO_;5G_D$QS:0"2VT`:D^E9_Y!+]H8'_<FK_/;_>AW
MY^`:+`,FJ2QWY[?#^LDI_]#T[TL%HC94!M+8AOT3[2W^HGI:P.M$``/@#RVL
M2.'C.:6NK#@X$'=K((VGZ2C732Y]NYC3#P!(!T#6)*30SR077@3%1=!+1$:D
M!Q[_`-5"ZB&8^&^VJNL/!:`7,!'N<UG'M_>5#[1?_P`%_P!M#_R:2G8J?796
MUX:6[OS7#:1\6E2AGDLW`>Z[(=7<VIS=FX16&F9CQ<M#[/C_`.B9_FA)3*&>
M24,\`J^5]GQJ'7>@U^V!M``G<0S_`+\L]V160\&D@ND2TM;M^E]#V_2]_P#T
M$E.Q#/`)0SR6=@WT6VC%=0-PKW^HX-.Z"&'=M`]WN5_[/C_Z)G^:$E-+J[6&
MJB6M/Z7N`?\`!VK.].K]QG^:/[EH=5JJ8R@L8UI]4B0`/\':J**F[T9K`,F&
MM'Z5O``_P52NY`9Z%G'T'?D5'I-5;_M)>QKCZC=2`?\`!5*Y?CT"BPBMGT'?
MFCP04__1]*/3<=WTR]YVELET'W?G>W;[U.NECG6R7&'`3N<.&,\"FLP:WEQW
MO:YP(W-=!$^?\F/]:T]=0<^V7.D/`D.(_,9V;M:DIK]5I8W`L(W3NKY<X_X1
MGBY9YY6AU6IK<"P@N/NKY<XCZ;/$K//*2FQTYC7Y3@Z?YOL2/SA^ZM/[/7_*
M_P`]W_DEF=/;NR7C6148AQ;^</W49V46AX=C7LL8!['75B21^:?M'_224SZG
M2QN$]PW2',Y<X_GL\7+.5S,/J8-C]EE8FLM+WAP<"]O'IV6M5-)27I[&OZD`
MZ?YAW!(_/K_=6M]GK_E?Y[O_`"2R>GL#^I`$D?H'<$C\^O\`=6M]G9^\_P#S
MW?\`DDE-+JE36,H+9_G2-7$_X.W]XE45>ZI6UC*""X_I3])Q/^#M_>*HI*;G
M2:F/^TET_P`XWAQ'^"J_=*N7T5BBP^[Z#OSW>']94^DUM?\`:22X?I&\.(_P
M57[I5R^AHHL.Y_T'?GN\/ZR2G__2],LQKG$EF0^L08``,$_1/N_=0'X65=?:
M]G4,C'&X`UU-H+)#&2X?:,:^WW?\:CV4YCMWIWAG.V6AP[;2[3][_H),9>Y]
MI;;M]PD!H.NQGBDIS>J=.RVX3W.ZIEO`+/:6XH_/9^[AM5`X>1/_`"CE_P#L
MO_[QK9ZHRX8-A=;N&ZO3:!_A&*@>4E,>GX&2[)<&]2RV'TYF,8_G?RL-7;NA
M/OUOZCD6F`)=7B$P-0/Z"H=/:]V4X,?L/I\Q/YP6EZ61_I_^B$E.7U#IN57A
M._RIE.8TL`9MQ0/IL'YN$U9_V/(_\L<O_P!E_P#WC6UU)EPPWEUNX;F2-H'Y
M[%GI*18&#DNZ@&MZEE-/HN.Z,8GZ;/;[L/:M7]F9O_EME_YF)_[Q*I@->[J(
M#';#Z#M8G\^M:OI9'^G_`.B$E.1U/I^6QE)=U3+>#9$%N,(]ENOMPPJ7V/(_
M\L,O_P!E_P#WC6OU-EK64E]F\>H=(`_P=JI(J9=+Z?E/^T;>IY;(L;,-QC/Z
M.K][#*MW=-S!383U7+(#3(VXOA_X24>E,M=]IV6;!ZC=-H/^"J5N^O(%%DW3
M['?FCP*"G__3],L_:$GTS5$&-TZG\SA(TYF]SJ[6,:\AQ:ZLO(,-:?>+*_W?
MW%952_*NKM>T>B&!K2TOLAQ,_I-S(]OZ/^:<DIADX>;DTNI?D5AKH,MJ,^TA
M_P"=<[]U4OL-IN=2,H%[3!BD<PUW^E_EL6B;LT\5U@[X`WS[/:[=P/?M]7V?
M\6I>MD[F`,K(+9>=^NZ)VM;"2FIB=/RZB+V9+9>P#:^G@'W_`)MOTE:]/J'_
M`'(J_P"VC_Z72.1D`'V5R&DQZGYP,;?H_0_EI>KE!\;*W-B9W[3PWC1^_P!_
M_%I*1Y&)G9%+JGY%8:X@R*C/M(?WN/[JS[,2RNUU;LGZ'TG"D;1IN<2?5_,:
MYN]:3LG(9&]M+2/I@V_1&GNDL_[ZBMLL+Y)9Z)!VN!U_-V]_ZZ2FCB]-RJ[6
MY3,EI+J]H#JM(<6V?FVCW>U6_3ZA_P!R*O\`MH_^ET7[1CPT^JR'B6'<-0!,
MM_>4FV5O$L<'"2)!G4<A)32R<'-R6L:_)8W8[<-M1YVN9^=<[]]4/LUAW$9!
M(:0)%(UW'8W;^E6YO9^\->-4M[/WA]_S24T<;`S<;U-F2QWJ.#CNJ.A#6UZ;
M;6_N(KZ,][',.15#@0?T1[B/].K(>PD`.!)F!/ARI)*?_]3U59V7_/N_FOIL
M_G/H\#^<_P"&_P#?9?,R22GZ1R?Z97_,_P`^/H_"_P#G/^%46_1I_F>3]'G^
M=9]'_P!'?\&OG!))3]+W?SC_`.B<-^ES_._G_P"O\\E5]/*_H_?CZ7\VSZ7_
M``:^:$DE/TR?YP?0^@S^K^9]/_7^:0JOH8_]%_GG\_0Y_P"T7^O\\OFM))3]
M*U_T+'_H_#OYOZ/TA_-?Z_TGTU%_T[/Z/_/M^AS]!_\`._\`#?\`?%\V))*?
MH^K^8']&^D[Z?TO\'_TO^Y'_``Z;_!V?S'\W7]'^;^GD_3_D_P"G_P"NKYQ2
M24_2/2OZ2/YG\_\`F^?S?YO_`+K?^^JV5\JI)*?_V3A"24T$(0``````50``
M``$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&
M```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#
M`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`#K`4`#`1$``A$!
M`Q$!_]T`!``H_\0`M``!``$%`0$!`0````````````@$!08'"0H#`@$!`0$!
M`0$````````````````!`P0"$```!00```4-"@@,!`,)```"`P0%!@`!!P@3
M%!57&!$2%C;6-W>7.%B8V`DAE-0UU1>W>+@9,2(T5F:6MM>Q,F(C,R1D566U
M=F=25"4F86,G0H-$A$:&QD<Y$0$``0($!@(#`0$``````````1$",5%Q,B%!
M81)2`X&1\$(3(J'_V@`,`P$``A$#$0`_`/?Q0*!0*!0*!0*!0*!0*!0*!0*!
M0>?V=[_YXPO[67,,'R9DQ(FT.Q\DPICM_C:J'PPL$!GV;==\E9AB,V.F:*/)
MYT<D72'!SDTB(5N)Z'AWXD-@!$$BUIS>J1-O5#C#GM'?:!O,6R\^9+RM9M>S
M-R/9F(X3'K8TQ4A'`<#[L(R,H.>+#P`@]E3@K*Q]+VQL.<'$2AZ3FI!&%J23
MQ&"NJ]=L5AW!59QRB7[5EAUL!*.MPJM]GO+<XJ87R+';\)E%LV/A4"0RCLCN
MTWE@.`B;NH2<2"OLW"X3A1$7."$RUYO'*O5`6=[_`.>,+^UES#!\F9,2)M#L
M?),*8[?XVJA\,+!`9]FW7?)688C-CIFBCR>=')%TAP<Y-(B%;B>AX=^)#8`1
M!(M:<UI$V]4/<(^TG]H+)V3+41G>2V-CR1G#;#03$&"GZ0XQ@8&S5S'^\V+I
M1GQ.I5,+/'V.TXD$/Q[=`THBY(>MN<]6(LI%?A#@&%F(_P".F^>G'9C`4SU.
MU/@FX&3Y%,-S<US!M<]B,SPC!3_(\10C%.)GG(DVCN.&B)8G@L`'*<AJ6PE*
MQ6?FMX)0&C-L$LWJAN62*36:8+-NDKVLU3A&"+-N?=O<B:VH)SDUZVPS]CG'
MNN\_VKQY"@15J6XP`A9D^&DD.48N9I:2Y+9,[)HBM=TC64`KA+DWL6,12:\(
MJ@1M%[1?9J-9NGZ'7K9_($CQVSX#TCE6!7JV#,%O.#\@2[8E==C+E^SF1GG'
M49>\4Q'((CDIY1J!S8"TRX\PE*F#U@4=RQ$4XP]2J3C5TJ:ZZR<*VZ<GC@4@
MC!I0JN##QBR81P0'"3V.ZO67':PKAZG5M:]5X5%`H%`H%`H%`H%`H%`H%`H/
M_]#W\4"@4"@4"@4"@4"@4"@4"@4"@4$(\R^SNU/S_?8J^5L>+9-TIP83#F3J
M2Z5-8GD6O0UPL6GLAK2[HCXFI90N1Y9YC:),-<2<,M1<P`A!N6)F*4461O9Q
MZIY//RRJD$0DS:LS/,L&3^8KH=D.;0E>GEFMT71P[#CM$EL7>VM5"CH>QMY`
M2N2QI;#-*":+JF!L*PK+-\3:7X:P]E!MS0R+\M2_*35BQ_PNDG.7<U91S#([
MXYDLY:<C.,?4.V2)1)%RDH$J9$YR<9A@AI2@B**N$L0@W%:L5S+[.[4_/]]B
MKY6QXMDW2G!A,.9.I+I4UB>1:]#7"Q:>R&M+NB/B:EE"Y'EGF-HDPUQ)PRU%
MS`"$&XB9BE%9+_9]:F3VV>BY=BTEW3[(+<1.>24]I!)6P);O@B)M\*Q.]090
MSNS>MQP\PU@:R"TRMC-0']<"XA"OUX^N%9X+6[^SXP3+L?EX^R3(,\Y8+:YN
MPY(ADWR1L#EB1Y2QC.8L%07')-BS(_9.DE6/G1L*5#`(QL4$77!O>RSC-A"Z
MX5E4R71/'\PQVV8SD>:MNW)B2N,D5/C@/:?,">23=JES4SLL@B$R?$DC3J7.
M'+&]D*"4@*XN!$8<I,2W(,5JAG"JB<O9NZ>.49RI"AXI*2Q#,>%<7Z^S.-()
M#(TK1?%N&251.-61D3!<[W85T8NKN84X)A`7#/``TPT9@+"H5E-=G;"65H:F
M9.H7*R&EN0MA"IT6GN3FI)0)BDI:AQ<50S%2]<<`JPCCC!",-,O<0KWO>]$7
M&@4"@4"@4"@4"@4"@4"@4'__T?8(Q'1]W1[02NV!).[1I,D1$QG"THQ',4*K
M+$C@"J9K>S\:*>11MC"^3Y1E3N4@2&`,7'DLC.U+W!618ZR)M+EQ?)BPT=B&
M4853HFF/Y`E#5%L<Q9V3J\&R=S;6E6&;RUWR//\`'V5$BE/`\+]4Z>.+I=F.
M(%<]$THVY&`KKTO6BK"I#&<Q88E1#A&V]]RC'F"3-*@]&E@,ZL7,YN9",@N;
M=(GPEI>I.J>Y>Y$\5:'^77*21>[X_-*^Z-,9&U:52$C-DBWAVD&LD'02Z8PY
MHR)GQWC<M5P:0K(L^N;`TZU[$3Y*TA?&VX'%&DO*H6V*C+$#+$;Q6P!7N6(8
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M:(YLV10RN`84RI-HPM4YRF[BG1R&*P5]?654>WKEQZ)<2G<D!0Q$G`&4:&UP
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MLCJ0G&<D+=6-_;%*-3P!AJ>YY`KE&&%]:,1&44"@4"@C1NCY'6V/U:,[?1;*
MJ+&,/__4]>*;(3/D!#L4;C;-+5:%QB28S;#767YS61\HQ^B^15ZK,RY%+&94
M]2K%D"F+3Q>(MJ@@I$0-Q:EBEO163'$N#B7+@MS7E98N?8J%-+WV*/1#S@YD
MQMC\.1'.=()_%GG-\AA&79LRO$C(L]YG8'R)-BM6F<UQ)RAI8$"-X)+;0JQ'
M'!:9#E?*>#I405D)]!*8RS29I,E9S5.5H^7IHKA&09,F:$"U\C3*0PKYPQ,?
M'T^/D!AY#<\%QU$2O.22!4>F&+=NU2R;H9CIPIQW'HK*94#9N060LTTF3O`H
M^H)'J%M:%:8JDS'!,D.*,U.DN,90`-)]CC`V`(15A7,"(YLJ[*MQ>8G6CTL<
MI>I=0X'95N+S$ZT>ECE+U+J'`[*MQ>8G6CTL<I>I=0X'95N+S$ZT>ECE+U+J
M'`[*MQ>8G6CTL<I>I=0X'95N+S$ZT>ECE+U+J'`[*MQ>8G6CTL<I>I=0X'95
MN+S$ZT>ECE+U+J'`[*MQ>8G6CTL<I>I=0X'95N+S$ZT>ECE+U+J'`[*MQ>8G
M6CTL<I>I=0X'95N+S$ZT>ECE+U+J'`[*MQ>8G6CTL<I>I=0X'95N+S$ZT>EC
ME+U+J'`[*MQ>8G6CTL<I>I=0X'95N+S$ZT>ECE+U+J'`[*MQ>8G6CTL<I>I=
M0X'95N+S$ZT>ECE+U+J'`[*MQ>8G6CTL<I>I=0X'95N+S$ZT>ECE+U+J'`[*
MMQ>8G6CTL<I>I=0X'95N+S$ZT>ECE+U+J'`[*MQ>8G6CTL<I>I=0X'95N+S$
MZT>ECE+U+J'`[*MQ>8G6CTL<I>I=0X'95N+S$ZT>ECE+U+J'!$]\WFV09<@9
M+QT'4W&CNZXKD[-$I"YMFU#L!E6.KWCJ"Y-3"9C';6UK<U"0E@R"B*-&<E3B
MLK+.`$(BP@-,]1;==%8>9NMMQE@(-G<I%S([(Q?L_,$`R$H$`1\[!L"SAF1P
MBV@+``1TG#K79[,$!B#9%:]S[]1):Q/]'^+5_G=DG]+<Y?R2[-Y0FB<]),?9
M]8&EB54\ER-4FDN?V9]3J9"4R%1DI^/)=-:U19SR7&R0-X50K7/LA`$BPN"M
M8%/YW9']+<Y7=SV[S>])1H7C1;#KLB,CSO$3$;GLDC7I3(I("T)+_&!IU6N)
MI(H\^$M:8"Q%>W%E(4Y5C`"L6#J/YW'?;G*O9MS]@HXTMK!'M)L6,+$SHD[<
MT,K-LZ6UM+4WI"PDI4#:W(==2$:%$F)!8!910`@`&UK6M:U/YW'?;G+=V%MC
M=I,Y1%;,8WKC@MC1-\MEL,5-TIVJG*=T+=H:]JF%T,L%BU)D#<-">K2"&0,*
MFXQE7M<8`"ZH;>)B8F8>N%(EMOLJW%YB=:/2QREZEU%X'95N+S$ZT>ECE+U+
MJ'`[*MQ>8G6CTL<I>I=0X([[>R;;(W4W:$IZPIKL@9S==LUENRYKVAR4[N2)
MM'C63!7*VYI5ZA,B5T7)DMQC)3F+499Y@;`$>585S`B*5A__U??Q0*!01HSM
MWTM+OK+RK['6V-%S27HA0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0*!0<:I
M%Y2^Y7AR@7V1=8*W]6V=67LQC1<JT9E`H%!*/0'O,3#P_P">?I'>:YKMUVKH
MC;;HG!7E2@4$:-T?(ZVQ^K1G;Z+9518QA__6]_%`H%!&C.W?2TN^LO*OL=;8
MT7-)>B%`H%`H(A*LOY52X>V&F+6NQG,7S$*J6)8Y+$T8E$7@LA/@L90N4V2]
MC]IM,7-U'%9$0Y-)AA#TF`<Z(SD8[)1)##S2Y+LYYMF`,MRJ,HV8EO@<)DT<
MQ\N>'*)N2Q-(<@2Z&1N61MHM-P3!H(B*5Z63AK;"#@Q]^2A76$6I4)C524D0
MIP8'C_9V4&3-@@N64B.-N9ZU*C<%B''$W;KKW21I\>,L:CAC*2]SD<&.0SN9
M*43@X.ZZR(9'(J@F_%I`B.H43CHA0*!0*!0*!0*!0*!0*!0*!0*!0<:I%Y2^
MY7AR@7V1=8*W]6V=67LQC1<JT9E`H%!*/0'O,3#P_P">?I'>:YKMUVKHC;;H
MG!7E2@4$:-T?(ZVQ^K1G;Z+9518QA__7]I(<@.)5L_*'/+3JBQY`!1Q,+*),
M3C9A\<FJ=S?E.3('"$P(ZM03`J-LEF)N3W$WOJDN1KEK>(]8O2G-R(N2A;IA
MF)N=<5R')A<\CT4>8AB)N?"HR@Q&%D293F\D>(\Z,V36Y],=<@H>,KWF-HRP
MQ@1R5(L/4W,/NG+N>$->F["Y1Q[+4;%EUN<V]N3JB)-,%K:V0QU/:6PJ,9&?
M'ALCQ,??7"_S:'H8*M>6=>Y!#*SFN-.Z94B+7JF<M0*,^VJD+O%ICIP\L<$E
M62'%/LW("R8E"UD(0R!<!1J%M:2:>E4Y$F4"BH"D)8[G&V/<R1W+!>Q83#.M
M`(1S95\^V4O,NV7_`%JTZ];&A\GS[92\R[9?]:M.O6QH?)\^V4O,NV7_`%JT
MZ];&A\GS[92\R[9?]:M.O6QH?+\&9SR@:684+2_9JP3`"+%<N7:?$F6",-PW
MN6<3MH`TH=K7]P016$&_NVO:]#Y:RBSDOAL)7XW9-&=JQ05Q9+QHZ+ON6-;)
M8U)HX)K&RW8&DB5;HO5V-DLU#N19*BNG(L#J=0/5M:]A\KHLE+POEZ>=K-#M
MD#Y,F&D4%JA374NR`QQ;TQZ%M?53`';T,?6R9K;E)B5*Z')3'%*E'<@HX!5^
MLH?+XND@7/+FW/3GH+L.J=FN3=F"9P%+=12U1DAL:QJ2UK@:3MT6)W)(5Q9I
M/*3*^&2E*&=O-`6$Q`C$2/EL+Y]LI>9=LO\`K5IUZV-#Y/GVREYEVR_ZU:=>
MMC0^3Y]LI>9=LO\`K5IUZV-#Y/GVREYEVR_ZU:=>MC0^3Y]LI>9=LO\`K5IU
MZV-#Y/GVREYEVR_ZU:=>MC0^3Y]LI>9=LO\`K5IUZV-#Y/GVREYEVR_ZU:=>
MMC0^5D5;.2]$^-D86ZFY\221[3K%;-'E4_TL3OCNE;P<(O4MC2;MR!>O3H2_
MQCAE%C"5;W17M:A3JK#=C)Z02Z*#M0=AR4['PG+1YLVTR+)9^!0$.AO*AH]M
MK`;^";%12D7"W!UI!@3+_B"M>X^7S-V1G)#LC8#]1-A"7UP1+'%`RFSC3`MV
M7-[<8F)<%Z-N'MM98I1(3EI(#C0`$`H1P+"O:X@]4?*J1;"9%<D:1Q;M.=C5
M[>O3$+4"]%,=-52-:C5%`/2JTBHC;0PA2F4D&!&68`0@#`*U[7O:]#Y5/S[9
M2\R[9?\`6K3KUL:'R?/ME+S+ME_UJTZ];&A\GS[92\R[9?\`6K3KUL:'R?/M
ME+S+ME_UJTZ];&A\GS[92\R[9?\`6K3KUL:'R?/ME+S+ME_UJTZ];&A\N;B%
M^=)-G3;E[>H7)L>.:W.4.XS#Y@JARV1L_%M4]:DA/**J`2R<Q(WE!.G`J)XH
MZ*NM(/!8W@SK&$E[>K;.K'V8QHS>M690*!09OIKE6=Q;'$Z9F/6G-F2&Y/GK
M-YA,MA;]KDACZX:B?NIQI"5-D3/\"E0#4)@[DFW/;"07,!>Y8C"^M&+FNW7:
MNF-MO'DEK\^V4O,NV7_6K3KUL:\K\GS[92\R[9?]:M.O6QH?)\^V4O,NV7_6
MK3KUL:'RCOM[FO)2_4W:%"KU"V)9$JW7;-:12].DFU--;6A.IQK)B3G1Q*9=
MH7=X-0H"QW-."D2*E(BP7L428/K0"$8QQ?_0]SH<`8(`UN[&#"F)`LL@<&]V
M?V<.-X<%K>W1I>>R-K<G=OLS62.3@VR&_'TYQP!F$K?Y\%[&_C46LYLB2XPQ
MJ@71US0X\@R-RB"(3=$W%+$F!.NB[>*ZJXD$=5DMX%#(B%=:=>Y2810+W.'[
MGXPNJ15/F/8#)P&ER6#Q"0EG/B"3G%OD:978!LE:F\II;)":%>B4!,?&YJ(`
MF(5WZJ@E.`)8!V!:UJ#2^=N^EI=]9>5?8ZVQHN:2]$*!06E_=BV!B>GTXD:@
MIE:7%V-(+$$)AY;<C.6#)+$+\4(S`DWM:]_<M>]!S?C6_62Y5'6"3MFL1`6V
M1LK4_-X56;6@I2%"\(2'!)904""&@+/L0H#UX;"%:PNK:U[_`(:]_P`[GGOM
MCA65ZZ;>6?-D0>/%J[@*?SN.^W.3IMY9\V1!X\6KN`I_.X[[<Y.FWEGS9$'C
MQ:NX"G\[COMSE895[0+(,*B\DF4@UG`6P1)@>),]F-^:&=:O`T,+<H=7(:)&
M.#I0*U8420=RRKFEV,'U`W$'J]6R;+HB9(OMF8BKIU7AZ*!0*!0*!01PR4BG
M$ARYC9@1XU>%>,FM6PS699%;%6/>O7R%A=7:\)AHD[O-62:-[/$G47+[HL2H
M%5S@"3(4H%`%;F%.5B,OP7RKB[<B#(X"P*$>6WF5R*%QVY$=`UR1^=L*X[0D
M/)R8\X#<@<U>5&)6<(Y=P!G'2N-"O8(@'"%<'[V*P5(9X[H9AC]8YE312WIX
MZI*5.S&V0U*ULD3S"B2+WD5F8R<<==V_*;U'2C6=Q2F(!/P'&Y9@V\%KB);B
MPG:>`QXUDY%:UC.^I5KRC1M[LFA:%])CB-U5IHWR\WXX=GV!('.[.45U2FE8
M>EL3P=[\$:(P@HDML4"@4"@4"@XU2+RE]RO#E`OLBZP5OZMLZLO9C&BY5HS*
M!0*"4>@/>8F'A_SS]([S7-=NNU=$;;=$X*\J4"@C1NCY'6V/U:,[?1;*J+&,
M/__1]_%`H%!&C.W?2TN^LO*OL=;8T7-)>B%`H,,R-WO9Y_HR4?Y(NHL8PXQX
M5[S>)?!E`_V6:JZHPAS78SJV950H%!IG8[R><\>!G*'[$/E>;MMVBV[K=7>F
MN9T%`H%`H%!R3V$>)Z][29*C23+.5XE&XOCS$*MH8(/.G>*-1*V0FY`,>%QR
M5J&592L6\EI["&9<5[!*#:W4M6EEL75J\7W3;2C7W(\WY_-B_')+?A5>_P"=
MKQ_2[H<CS?G\V+\<DM^%4_G:?TNZ'(\WY_-B_')+?A5/YVG]+NAR/-^?S8OQ
MR2WX53^=I_2[HEUH6_2UU9=C&:53:83HN%;$%1N-.$W?E<D>6Q@6:[Z]S(UG
M+=%UQ*S$())+'%2`(Q"ZP2H5K7ZWJ6ME=$1=,1@UMFML3.*>=>5*!0*!0<:I
M%Y2^Y7AR@7V1=8*W]6V=67LQC1<JT9E`H%!*/0'O,3#P_P">?I'>:YKMUVKH
MC;;HG!7E2@4$:-T?(ZVQ^K1G;Z+9518QA__2]JCCF.<-TCGT)3A@T@D#5)L3
M1=B=&U,^)F&-ON4G-X,7Q:9`NYN!CM)L?X]1()0<02H:3G1(]H".!;RU!"\\
MM&/,>PD\=E9YPX[$2VB%9`BF*I]8I8\B7/DKE&<7_"!SI$AF``2P,[&8V(7S
M@%8'(Q<2XC06.3#1\<5"BV-NU+JW25JCF28\5`^470I8YN+W&YLT)8LR`:I(
MK>HTJY50$]D3Q'%C,2(4F1"#%'%ILZN:4T29A<NM%%WVJF31`ICIQ)GQ'*ES
M<CV;D!)R:%P2;Y(D`QK-0MK4I5TL2QW'I3*EQ0##;7-&0B,`07:YAEP%A$*P
MCFRKI8XM_-79?T+MQ?W$T*'2QQ;^:NR_H7;B_N)H4.ECBW\U=E_0NW%_<30H
MQ'(&UF,%$#FQ!<7V2",^(R0D`C]-=OTQ(1F,RT`;G*5.#"DZ<JUQ?C#,$$`+
M>Z*]K6O>A$<8<]<*]YO$O@R@?[+-5=480YKL9U;,JH4"@TILH<!/KGGX\RQH
M@$84RH<,)!!RDX0"X*_#%8E,F+-4*#;V#^*`L(ACO[@;7O>UJ\W;;M%MW6ZN
MJ_2QQ;^:NR_H7;B_N)KF=-#I8XM_-79?T+MQ?W$T*'2QQ;^:NR_H7;B_N)H4
M.ECBW\U=E_0NW%_<30H=+'%OYJ[+^A=N+^XFA0Z6.+?S5V7]"[<7]Q-"CGC*
MIZQY&VCS;((^AFC>@!`\'MUR)WC?(F+7NZA,#)!IA@(SDZ+1"2&(1!4!L6J"
MDNF-%800&"$`=@[>K"YE[?U9%6K(H%`H,AU"S?#,:N^UK%(F7+SBM5[(-+L4
M?`-?,]Y79@)3]6M948"E,BQ;C691]$YA.0#N-$<J+6%E"+-&4$LXH8^:_?+>
MS9;^<TR^ECBW\U=E_0NW%_<37E[H=+'%OYJ[+^A=N+^XFA0Z6.+?S5V7]"[<
M7]Q-"ATL<6_FKLOZ%VXO[B:%#I8XM_-79?T+MQ?W$T*.;B&6-<YSIMS*65+)
MD38Z9RAW%DLPA<QQY(RN):IZU-QW*,/G[#&9:S]>H2#$3QM"1Q@BX#RNO),+
M,'MZMLZL?9C&C-ZU9E`H%!F^FN?X)`L<3J,OC#FQ<XH\]9O..4PO6G8W)$?&
M!9/W5459++<=XJE,57&@+-M8T!"TP9!EKEF6`8$0;<UVZ[5TQMMT2UZ6.+?S
M5V7]"[<7]Q->5H=+'%OYJ[+^A=N+^XFA0Z6.+?S5V7]"[<7]Q-"B.^WNT.-7
M?4W:%I21G8DI4Z:[9K;DQKIJ%MDR-I2A;C63)B3'%Z>L*(&=H0@,-M<Y4K/(
M3)R[7,-,``(A6$1QA__3]Q35KOBIE8I+&T+=+.1I;(P3!Y2+LHY3=1VE@)=V
M>!DS.L=9HM71I_M,+!<..-IJ11Q@LN_7]0L%@EJJ$FOV)T+@R.B:/.(5;")K
M-)X293=0E>%C)*WR>,[I,D"B1FH)\]MDYDJ]Z(7/A3BL+=U1BRQME-^%HE5?
M,\(XRR":N/EL>4.:AS<6YR7JB9'*&I6JNUQU]B:5J-5,STWJ+Q@4>E+JF.9^
MNY*56=5HCDYABM0(P-?YV[Z6EWUEY5]CK;&BYI+T0H%!AF1N][//]&2C_)%U
M%C&'&/"O>;Q+X,H'^RS575&$.:[&=6S*J%`H-,['>3SGCP,Y0_8A\KS=MNT6
MW=;J[TUS.@H%`H%`H.1V9?*_S7X-<#_PY/K;U87,_;^JVUJR*!0*"0&@?X-M
MOK1M_P!D_5BN>_?+>S;;^<W0.O#T4"@4"@XU2+RE]RO#E`OLBZP5OZMLZLO9
MC&BY5HS*!0*"4>@/>8F'A_SS]([S7-=NNU=$;;=$X*\J4"@C1NCY'6V/U:,[
M?1;*J+&,/__4]_%`H%!&C.W?2TN^LO*OL=;8T7-)>B%`H,,R-WO9Y_HR4?Y(
MNHL8PXQX5[S>)?!E`_V6:JZHPAS78SJV950H%!IG8[R><\>!G*'[$/E>;MMV
MBV[K=7>FN9T%`H%`H%!R.S+Y7^:_!K@?^')];>K"YG[?U6VM610*!02`T#_!
MMM]:-O\`LGZL5SW[Y;V;;?SFZ!UX>B@4"@4'&J1>4ON5X<H%]D76"M_5MG5E
M[,8T7*M&90*!02CT![S$P\/^>?I'>:YKMUVKHC;;HG!7E2@4$:-T?(ZVQ^K1
MG;Z+9518QA__U?<R1D:2O;ADEAC4&)(D&/W9F0D%3J5)HTR21N=4O'>7DKM&
M&G("UL;[IBS1$`4(;*#>M#PA9%A=6Q:-5X_V;-G;YCEG-8H!%KY!A4>GC<"1
M96-0/$A896]3I&P*,8L"B`IU\]XW'X84\&EJ+LJE(C=4P3R2S>$`$4?2(;90
MZ5/[5&Q)6YH<GI^3(DUEDM9A$M32I+4E&IY6;8)?8[DID?!-K2ZQ,5C7%N<Y
M`U%&#N%7PA8HMNU<XB6.ICIQ*YN^H8W'4.SD@)5NSB,8$A!JW4+:U(D`,18#
M!V$>I-"`/N?AO0CC5E73'U@YZ(;[Y6?`Z%).F/K!ST0WWRL^!T*2=,?6#GHA
MOOE9\#H4EB.0-P=95,#FR<C,L/-//B,D))+"H5]<8::S+0%@#_4[?C#&*UK4
M(B7/7"O>;Q+X,H'^RS575&$.:[&=6S*J%`H-*;*G%)M<\_*#QA*((PIE0XXP
M7\4LHJ"OPS!B_#^*``;WO7F[;=HMNZW5U7Z8^L'/1#??*SX'7,Z:2=,?6#GH
MAOOE9\#H4DZ8^L'/1#??*SX'0I)TQ]8.>B&^^5GP.A23ICZP<]$-]\K/@="D
MG3'U@YZ(;[Y6?`Z%)<\93D2$9.VCS;)(!)&Z4L0('@]L&YM8S!I@KTH,D&J$
MMQ&EE"X4HM27>_N=3J"M6WJPN9>W]615JR*!0*#(=0\^X<Q8[[6Q[(>06")O
M2S9!I>4K<ZG'EJ#FM1JUK*B)6@L4G-#<DQ6W'EVOU>KUQ=_<KFOWRZ+(F;+4
MR^F/K!ST0WWRL^!UY>J2=,?6#GHAOOE9\#H4DZ8^L'/1#??*SX'0I)TQ]8.>
MB&^^5GP.A23ICZP<]$-]\K/@="DN;B&91?(&=-N9=#'I%(8T[9RAW)KPWB&-
M&LXAJGK4V+.!$8`L=^+KT1I0NK:WXP+UMZMLZL?;C&C-ZU9E`H%!FVFNQ^#<
M=8XG44F^2XW&Y$ASUF\Y6TN)R@"L@I;/W56D&,):8P%@GIC0C#[OX+URW;KG
M3;$S;;HEMTQ]8.>B&^^5GP.HM).F/K!ST0WWRL^!T*2=,?6#GHAOOE9\#H4E
M';;W;76]ZU-VA9VK+\26N;MKMFML;D1*A7<Y6O7XUDR5&E*L)(&US5"@T(`]
M6]K=6]18B:P__];W32C$K!*VW*C8K=I,W$Y?8"(S)U#(Y)VUP1-1;(ICQP8Z
MX%H!JV=:K:UAH!*0C&H)&*QA`R3`@$$M<%;(\<))*LC@5$B?VZ*QM;&G(J`-
M">*(XJXN4.?4,EBZU:>.+GRU+R,]-2,XLA"ZHTA@4@"S2C"A'`-(P3*&N<.R
MRK7.$B?)<C7KE"(L2II4Q^PDT=3PR<099$$)+O&W=*C9'IHR4^&*E`"[.]U*
M_KREI04R,"<M5HSMWTM+OK+RK['6V-#-)>B%`H,,R-WO9Y_HR4?Y(NHL8PXQ
MX5[S>)?!E`_V6:JZHPAS78SJV950H%!IG8[R><\>!G*'[$/E>;MMVBV[K=7>
MFN9T,+8,B0R3B>[,;ZG6%1Y[>HXYK!D+4;9RS&G)4RR1$VNJY,F;7L4=?4*A
MO<!HC5!:)Q3')3A`4$FEA#(2WIF."6,EV;#0&K0MI0RUZ483'`9-E`$!8@FW
ML-:-/>P[%6ZH[@OUW4ZGNT%L5S*,(TB9:)X2JTZMY9(^G$TV.>S#7:1+TC>U
M)K)V<I<H"`PU:`TXVX+$I4EC%1XRTQ1IH`NMGAHN$([.C=<`TYRL`[+DUPB2
MIS@)E"D(N%Z@DY"@P)8QV_%",5@WO:][6H/VA=&QS+`:VN*%P*,3DJRS$*M.
MK+&E4C/+3J0#(,,").>8E-"`=K]:(18K6O>X;]0.3F9?*_S7X-<#_P`.3ZV]
M6%S/V_JMM:LB@4"@D!H'^#;;ZT;?]D_5BN>_?+>S;;^<W0.O#T4"@4"@XU2+
MRE]RO#E`OLBZP5OZMLZLO9C&BY5HS*!0*"4>@/>8F'A_SS]([S7-=NNU=$;;
M=$X*\J4"@C1NCY'6V/U:,[?1;*J+&,/_U_?Q0*!01HSMWTM+OK+RK['6V-%S
M27HA0*##,C=[V>?Z,E'^2+J+&,.,>%>\WB7P90/]EFJNJ,(<UV,ZMF54*!0:
M9V.\GG/'@9RA^Q#Y7F[;=HMNZW5WIKF="#,XT4A4VDDTE'9],HLKG#A(#G9H
MB;;"FJ+A0RHWC$F$7'QQE2E%+)2<G1V=G\5[NCB!`GX4SA`<)1:HQX<TNP1*
M%C0D>L@S1;DK$LABD6F#8BCLLQA"0O;.>?DQLCY;8KB>/B9)/KHI`2[D/1XE
MK^%I4(S!#&B,*$=%F92`1:38#3LF*69OFZPEHQ7`\(,;6B2+89R0^J-?<DL^
M163)#PU\D&-A\O>%4<=6UW<"RP@4-[JX`&'K[!$74JP]IT+U[DC*XXP1Y7?Y
M;:',UF*2L9;W$)$X1])*(WD-LC<==+*&QT?&J%$P3)JTINCZU08B4%)T+@:$
M];90L6"LXI;84PJ1BAWRR\6-3W^<'(#P^L+4E4F+4T1ABAS=9&EBZ56:WM0C
M$ZV?2V2R01'`7"VJ)(:WE'*$Z0@\P(%9E\K_`#7X-<#_`,.3ZV]6%S+V_JMM
M:LB@4"@D!H'^#;;ZT;?]D_5BN>_?+>S;;^<W0.O#T4"@4"@XU2+RE]RO#E`O
MLBZP5OZMLZLO9C&BY5HS*!0*"4>@/>8F'A_SS]([S7-=NNU=$;;=$X*\J4"@
MC1NCY'6V/U:,[?1;*J+&,/_0]PTAS[$XZ@R"M/9)>H%CF4PN'N20QK;X\<\.
M\\?F>-,1K`IFCO%VLYF&\/18!."I0D1#*+&>2::1<LPPM'T/SHR(7AF97.)3
M9N-7`@EG]<(B+N35!UN3Y$KB>/FN2KV*5.Q*YPDT@26(M9DY7+0%J"%"\:1*
M>4>(BFBFPD-F#RRQ]L:I.2\22[>Y1U`K2LUU#O!G=L?71KR<66A?5PFZ$*RX
M\<2*ZZR5S2JS4J=2B).6)0'%HU/MYD_&N'Y-IY/,MY#@V+8.V;.OB9RF>1I:
MP0B*-ZASU%VL0-Q"Z129P;&A(<X+CRR2`F'!$::,(`VN*]K4(XU?;[Q?V?'G
MVZ;>D]A+NXH4G*3[Q?V?'GVZ;>D]A+NXH4G*3[Q?V?'GVZ;>D]A+NXH4G*6)
M3[VA^@"R"S1(DWET\5*U43D:9*E3;,X5/4*5![.L*((((*FPC#CCC!6"$(;7
M$(5[6M;JT(B:QP<EL1;CZB-N*,8-SCM3K@WN#?CR%(EZ!;G'&*58B6)8VVD*
MDBM*?*"STRI,>6(!A8PA&`8;VO:U[5T1=;2/]0PFR^L_YGZ;#Z:FF_G::S>/
MC%G=55[K?*$[+_"?HZ:FF_G::S>/C%G=53NM\H.R_P`)^CIJ:;^=IK-X^,6=
MU5.ZWR@[+_"?IJ7/FX>I#S@K-+0T;2ZYNKLZXER,VM;6VYNQFN<7)Q70]Y2H
MD"!$EDYJE8M6*30EE%%A$,P8K!#:][VM4NNM[;O]1@MME_=;_F<<G:W[Q?V?
M'GVZ;>D]A+NXKG;TG*3[Q?V?'GVZ;>D]A+NXH4G*4/<@Y2]FAD&=`FZOVE^N
MS-8>?(#L*OC;-M1KPG8G26XY1ZZHH^B7==(1NA[46FUR1%"*$I$4(I\<KB+$
M=9O/03AFM)\4:3&+V:876!1%L]H;I^R8B@./8]&T:]!MG@--D)6]Q7&T,QJT
MD-]F8E@.B\0<"8:G=G9M)?E+4YN1JT8VX`G)08`<<N*96!-@?9CZ\&R*T)W]
MU%,02AF@J!S;5VS&!S`%.4'8A1Q,X(7$4U,>K(E;4`D`4:E2J+27*OP(PA'<
M-G`F+IY2D=]XO[/CS[=-O2>PEW<54I.4N7F6-U]-'+:?+TA;MM]9%[`YX^PL
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M7G?%HVQ^;$FKFND?5.+,O#*KI71"F?F-:A,.(&,L"Q&>3>]C"C`AU]=UL1-9
MC%E[+;IF*6S@K^FIIOYVFLWCXQ9W55IW6^4/'9?X3]'34TW\[36;Q\8L[JJ=
MUOE!V7^$_1TU--_.TUF\?&+.ZJG=;Y0=E_A/T=-33?SM-9O'QBSNJIW6^4'9
M?X3])'Z0[XZ.1/$LJ;93N9JE&G%1F_-3LG02#8C$+,M/:G6?.RQK<R4KC,$Q
MYK>Y(S`FIS@AN6<6*P@7N&]KUSW3'=/%O%L]MO"<$Q/O%_9\>?;IMZ3V$N[B
MHM)RD^\7]GQY]NFWI/82[N*%)RD^\7]GQY]NFWI/82[N*%)RE'O;??W1"2:I
M[-QV.[KZD/\`('_7O-#*Q,3+L?AQU>7IY=<<21"V-+2V(9D>M<7-Q6G@)(()
M`,TXT80`#<5[6H1$UC@__]'W3.F.E!RO(SFVN$?,<9X"*V+32^*#E<;;3(PG
M"F+$N8T\@CQ[T!0&UQA#96EN2=8`[7%UO6W+7!J=CUF''S&Y&US8A%&%3Y")
M7,HZCB"=,2NDF/\`)CME9A%!CPO8R8)'#'Q>G;3VTXAY"!@;$J5(:D4!.6'"
MJAR9J3%YZY.3NU+6&'KW"2%/1=VV#-AB9`!5&Y*SR)Y1DHG%G.MDUW?)*![+
MD9AHQD.C"Q&C2GW:PW/%5HV\QAC7,$FT\@>6\>0;*4'<]G7Q2Y0S(T28)O%'
M!0V:B[6+VX]='9,WN;0K.;UQ!9Q`C"1"*-`$8;V%:UZ$<*OM]W1[/CS$M-O1
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M.<N7F6-*--&W:?+T>;M2-9$#`V8^PLM;F-%@7%:5G;UCK?(O*BM$V$10")*I
M<N(D\.86`(SN!!U][]8'J:^N(FM8AG[+KH[:72M_0KTW\TO6;Q#XL[E:T[;?
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MGQ:N,)(``L:Q8>=>US#3!"U]=MLQ-8C%E[+KHF*73@K^A7IOYI>LWB'Q9W*U
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M7EJQQ)%S8[-+FAAI"UN<VY:0`X@\D8#230!&`5A6M>A$S6.+_]+W\4"@4$:,
M[=]+2[ZR\J^QUMC1<TEZ(4"@PS(W>]GG^C)1_DBZBQC#C'A7O-XE\&4#_99J
MKJC"'-=C.K9E5"@4&F=CO)YSQX&<H?L0^5YNVW:+;NMU=Z:YG04"@4"@4'([
M,OE?YK\&N!_X<GUMZL+F?M_5;:U9%`H%!(#0/\&VWUHV_P"R?JQ7/?OEO9MM
M_.;H'7AZ*!0*!0<:I%Y2^Y7AR@7V1=8*W]6V=67LQC1<JT9E`H%!*/0'O,3#
MP_YY^D=YKFNW7:NB-MNB<%>5*!01HW1\CK;'ZM&=OHME5%C&'__3]V0LL0(1
M4S,0/*F0#Q\[(F&6HXDP2.9.;8\KS4Z<IL*:8JT/#HZK2#U%@*2T9*@2,8#0
MG\'<DVP`I6W,D`>7EA8&9<_/#A(X\QRI`)I@TZ<FU(PR10](V5=(GM%&SV2(
MB6JXZN*X%V4(CRS4I@#`!$'J4']9,RXWD:E(D9Y"-2J<7Q+'VI.8R2%&:\JE
M[4^OC:XL@%S2FN]19U9XNY*4CTEX9G5DH%`B50[$F=:&M\[=]+2[ZR\J^QUM
MC1<TEZ(4"@PS(W>]GG^C)1_DBZBQC#C'A7O-XE\&4#_99JKJC"'-=C.K9E5"
M@4&F=CO)YSQX&<H?L0^5YNVW:+;NMU=Z:YG04"@4"@4'([,OE?YK\&N!_P"'
M)];>K"YG[?U6VM610*!02`T#_!MM]:-O^R?JQ7/?OEO9MM_.;H'7AZ*!0*!0
M<:I%Y2^Y7AR@7V1=8*W]6V=67LQC1<JT9E`H%!*/0'O,3#P_YY^D=YKFNW7:
MNB-MNB<%>5*!01HW1\CK;'ZM&=OHME5%C&'_U/;O.(1E<DG+[MBEWBS=,,@`
M@Z".N+\M6(2XXC:DX&B2NQ9X8M+4@)&F9U"@YGN>W."$+@$D2M.<G"8086N#
M&DV%'9(JQ.-AB\8A"R%,L`8G68-.49T^21)&H&^*'#L""D4P]C3Y(9)$U*EB
M52O>E28\LUV4*N+&J"BQF"K!9WJQ(#)$9*,2O26$N2)2D9XU8,UGJ`Q@BZB.
MR4+B>F<$]W8X+2S3AR97!NA119,8NDCETEA)B7EQ`$57_:N#Q+(LQTXBDW8D
M,DCJ[9R0'*VEQ`,:0\U%J%M:K2#&$L98[B(4E!&'W?PVH1PJRKH<:P<R\-][
M+/AE"LG0XU@YEX;[V6?#*%9.AQK!S+PWWLL^&4*RQ'(&GVLJ:!S901AJ'E'D
M1&2'$F!3J^N+-*9EHRQA_KE_Q@##:]J$3+GKA7O-XE\&4#_99JKJC"'-=C.K
M9E5"@4&E-E22E.N>?DYX`FD'X4RH2<6+^*84;!7X!@!?@_%&`5[7KS=MNT6W
M=;JZK]#C6#F7AOO99\,KF=-9.AQK!S+PWWLL^&4*R=#C6#F7AOO99\,H5DZ'
M&L',O#?>RSX90K)T.-8.9>&^]EGPRA63H<:P<R\-][+/AE"LN>,IQW",8[1Y
MMC<`C;=%F(<#P>YC;&L!@$PEZH&2"E"JX33#1<*:6F+M?W>IU`VK;U87,O;^
MK(JU9%`H%!D.H>`L.93=]K9#D/'S!+'I'L@TLR5Q=23S%!+6GU:UE6DH@7*4
M%!L26K<3S+6ZG5ZXR_NUS7[Y=%DS%EJ9?0XU@YEX;[V6?#*\O59.AQK!S+PW
MWLL^&4*R=#C6#F7AOO99\,H5DZ'&L',O#?>RSX90K)T.-8.9>&^]EGPRA67-
MQ##8OC_.FW,1AC*BCT::<Y0[DUG;PC`C1\?U3UJ<UG`A,&8.W&%ZTTT75O?\
M8=ZV]6V=6/MQC1F]:LR@4"@S;377#!N1<<3J5S?&D;DDB79ZS>2K=G$E0-6>
M4BG[JD2`&(M26"X2$Q00!]S\%JY;MUSIMF8MMT2VZ'&L',O#?>RSX946LG0X
MU@YEX;[V6?#*%9.AQK!S+PWWLL^&4*RCMM[J5K>RZF[0O#5B")(G-IUVS6YM
MRTE.KL<D7H,:R94C5%7$K%:QJ=04$8>K:]NK:HL3-8?_U??Q0*!01HSMWTM+
MOK+RK['6V-%S27HA0*##,C=[V>?Z,E'^2+J+&,.,>%>\WB7P90/]EFJNJ,(<
MUV,ZMF54*!0:9V.\GG/'@9RA^Q#Y7F[;=HMNZW5WIKF=!0*!0*!0<CLR^5_F
MOP:X'_AR?6WJPN9^W]5MK5D4"@4$@-`_P;;?6C;_`+)^K%<]^^6]FVW\YN@=
M>'HH%`H%!QJD7E+[E>'*!?9%U@K?U;9U9>S&-%RK1F4"@4$H]`>\Q,/#_GGZ
M1WFN:[==JZ(VVZ)P5Y4H%!&C='R.ML?JT9V^BV546,8?_];WL+I9%FM._*W.
M2Q]N2Q4!1DH4KGEN2)XV6>E*7$F/QRA266S@.0G@.#=1<NPBAA';\6]KT%"5
M/X&H5QEO(FT1.7S5"-TAJ(J2,QBN6MI:7CICC&4P%MSGY"!%;AKG)0FEV*_'
MO?K?=H/JWSF$NPE`6N819R$DD9T/5A;Y`TK!)I:F+$<HBRBR=69<F1IR@"$-
M"+J*0!M>]P6M:@TCG;OI:7?67E7V.ML:+FDO1"@4&&9&[WL\_P!&2C_)%U%C
M&'&/"O>;Q+X,H'^RS575&$.:[&=6S*J%`H-,['>3SGCP,Y0_8A\KS=MNT6W=
M;J[TUS.@H%`H%`H.1V9?*_S7X-<#_P`.3ZV]6%S/V_JMM:LB@4"@D!H'^#;;
MZT;?]D_5BN>_?+>S;;^<W0.O#T4"@4"@XU2+RE]RO#E`OLBZP5OZMLZLO9C&
MBY5HS*!0*"4>@/>8F'A_SS]([S7-=NNU=$;;=$X*\J4"@C1NCY'6V/U:,[?1
M;*J+&,/_U_:3*\3/:1XR$_Q>&M:Y$OR;A;)1,8;C&%I%-5$+?43W+%%^-&HF
MT$J(<"[NJ$UP,3EK'A(GX520$0E11:X-8QS#62F]P<2%<`2!+R+E#'N33'L3
M[&!VQRT1':6=YZ60J4E%+1+E*Y+'9$"S?=C+>$0Y"YKRS#DZ0`'!2%-,,!Y8
MA\I;Y+AI2_K`Q$3'%82C=G+'BSB3*EAD_+:#%")[;4#9:#0E\D+>S66BN?.A
ML3G)K%J5!A[<.A5,K(6+,8Y;:$,?RMCF!Y-86QV*?VUDR%$(_-&AO?2$+@UD
M/2%MDC>Y(TCL2V.ZM.!26`)P2%1I=A=88.UR-2="[3KS3M:/$3BWN5HM9S.A
M=IUYIVM'B)Q;W*T*SF="[3KS3M:/$3BWN5H5G-_!:6:<#"(`]3-9Q@&&X1!%
M@?%H@B"*W4$$0;Q6]KAO:_4O:]"LYJ(&C6DY0`%EZ>ZM%EEA"`LL&ON)@```
M%K!````Q&P0A"&W4M:WN6M0K.;5DAU\T&B#Z^-,MTOU_CS8QQ:0R_LM6ZV8B
M4QMV:8@TMKY++,]FJ/N,@4JF!L=BAF!,0%!4BL:6E$H,(.`6..:SVPO[/Q.U
MEKGG2?"D?7VR5"L4+HZXZJ8U6/3/+,A'1VT4&[BC\4>V9%'EZ*5(5`W2ZRZ!
M-PHDQQH%Y9B0(XYLY2:M:&+9X[XY(T]UT#(F1A0R):-3K'CQ&S&-[@HXN39M
M?%<((;'E04.X>'"D,.LGN.P3+A'U0V'%F)FC.DQQ9A)VGFK)I1H!EFE&:^XE
M,+,+,#<(RS`"B-PC`,-[VO:]KVO:]"LYJ_H7:=>:=K1XB<6]RM"LYG0NTZ\T
M[6CQ$XM[E:%9S.A=IUYIVM'B)Q;W*T*SF="[3KS3M:/$3BWN5H5G,Z%VG7FG
M:T>(G%O<K0K.9T+M.O-.UH\1.+>Y6A6<U(/1[2LPX:@S4#5TQ0:$L!AX\`8G
M$<8`KK^"`,T42N,82^$%UMKWZENK?J?AH5G-B\MU"TQBK3RFGT9P#+#>,!)Y
M*BVO&$CG$)-B%"I2M,$]M+$V$I$:5*,8KC4A,-%UI1(#3S"RABLYL`085]G>
MZO3,W-6H&O3DT/1D:0E35-K+C`,/1/TTCR260^-.C@IB9"]"\2*.."923<26
MZ0D2M(G4'D*UJ).H''-3#PS[/\>-S,KMVD.%G2&HETX(?%`=6,6LKK&VK'#Y
M(&&92)]8)7&X\])6YI/C*HT*8!!KLJ*"&R=&::*Q5#CFW?T'=*O-`U<]'_$_
M<E0K.;Z)](]+TG#<5U$U@3<8-L>HXO@+%)/#GV)*3V..X.)AX4VQ!``=<+JW
MZP`;?@M:U"LYJCH7:=>:=K1XB<6]RM"LYG0NTZ\T[6CQ$XM[E:%9S.A=IUYI
MVM'B)Q;W*T*SF="[3KS3M:/$3BWN5H5G,Z%VG7FG:T>(G%O<K0K.:COHYI5<
MTX^^G^KESE)@35!U]?\`$]S3S0$E)PF'&7B77FF!3D`!:XKWO8``A_!:UJ%9
MS8'D#5S1W'+,9(772/7]T8T"9P=)$YL6NF&%2>+1YG2W7/$C>0K65N/-;VU&
M&Y@B$(%CB>$(N`3'7"*UAQS6,K`7L_C98HBM]-M?RRRW-ZCR.4"UDQ>.*O,M
MC+,?(I)$&9<1%3ER]\9&1(>>9U$UDAXTJI.G/.5HEI"<<<UG/POH(7$6N?)]
M',+K(8J<9.@?7SHP8A:AP<$1E)L.>5LO8)$R,LJ2!)>TYH;)$B!8Y]828(24
M/6"M8<<V\.@[I5YH&KGH_P")^Y*A6<WU3Z2:8I`"+2ZC:PIBQ&&'"+3X#Q42
M`1IHKC--$`N*!#<PT=[W$+\(K^[>A6<WWZ%VG7FG:T>(G%O<K0K.9T+M.O-.
MUH\1.+>Y6A6<SH7:=>:=K1XB<6]RM"LYOP9I5IL<682=J5K*:4:`99I1F!L6
M&%F%F!N$99@!16X1@&&][7M>U[7M>A6<W__0]_%`H%`H%`H%`H%!&638&E,U
MFN5GR59%:5\7R!C1_P`31=C20=Q22+&D0D[$D2R$IAD:F?.$=7.<BDR>SFXJ
MC&`LU:6C;D@[V+;RA#+5?",./[@WR$Z835I=Y9)LD8GG:]X8(<KC;&E;<32*
M"2!KBK7'5LQDRPDEP.B"D1BP]R4G@/=#!]01)!"8(JV7V(_^H79YRA_]&=B/
M)7%/\;Y9Y0X]QG_W?!<#_*Z__P!FARHS.B%`H%`H%`H%!I[...I5E6$]A,:F
MK9"D+L[)`38;G%W23@E4'"G6\LP<OD:;01R8B9.I$G)7+258SKM=E28H)1RD
MM6F$,<,PL_J)(:J435FM#7V90')4SBJ*$J$C@Z3G';%$6QDO')'>8'DQB&\I
MX[8EXFTQO<5G7I#R;K[DJ>L**LTTP-+G^$(8"P9&8V>/*<I3O(4Y;WV!.T@0
MSQDEV0)3D1)CMT+9LCPU:FBR=WD))3L6%287(4:,2-44%`L6(SA5)HNQEBR[
M'"`,VP`V-&66(HL9E@VZ\190C#A%@$+JWL&XQWM;W.K?\-$?N@4"@4"@4"@T
MCFK&<RR@FB;2P3E@B\;:7\F02^.O\)=Y:BGUVDQ,LC;"ZGLV0H$L219&\$V6
M."&PS0/-R24RF]T%UJ1<6%*U8==FZ:-;F.8HSX%&I_-<HQ:(%18Q/(4$QG[3
M*T$B"Z34R2*DKO&1K\A/RXA(%G2JBCU:<'&Q$)>".#&I7KTNDL7;X=V0PH34
MGR7-,EW=G[&BA_F$>>93E5ZR6UN^-'\,[:DT$FL.Y;&0WO(D;D("PDI7Q>P0
MB2C%4G:(4"@4"@4'_]'W\4"@4'Y$((`B&,00``&XA"%>P0A"&W5$(0K]2P0A
MM;JWO?\`!06F/R%@EC&T2>*OC/)HU(&Y&\,,AC[FB>6-[:'`@"I`Z-#LW'*4
M#DW+DQ@3"3R3!E&@%8017M>UZ"Y$*4ZH`C4IY*DL)RE,(P@T!P`J$:@U(K($
M,L0@V.2JR!E&!_C`,`((K6O:]J"B7O+6UJF5$X+24JN1N9K,QD&WO8;DZ$,S
MM(342:U@WL(XME8EBF]K]2W!IQ>[U>I:X426619<?*4R*2Q]8I@S@!IFR=*\
MMR@^'.AL>9Y<6VRDHI2,R/.!D3D*!T"2KL29=N7)U-K<"<6,04K9.X0]-!+^
MS3**NS"I41Q(G>VR0M"]H/53!,Q+8DF)<DJPU&:HE*.4MAS<`([B7%.*41-A
MA4%7&&54%O4NK:C&(I2N2DF@&U%F$B.!<\L3XX7:F>YA(;W-+`Y.01$DBO:P
M1F`%:U_Q1=0+A0*!0?$*E.)0:D">2)6020I/2A-!=02G5#4E)3S2+"X0LE28
MC."6*]K!&(H=K7O<(NH&&1C)^-9LYN;+#,AP:7/#)PW++3&)8P/[FT<76F-R
MCE-`U."M4@X!P)&0/A0`ZTX%P7Z@K7M09S0*"V&O+60\H(\:M)+>G1L=GEO;
MA7OQA4UL2IE1.ZTJW6];<E`KD:$LR][VO82D'4M?JWZ@7.@Q%_G\$B;JPL4I
MFT1C3W*E92"+L[_)&9F=9(N4+4380B86]Q6IE;PK.<G).G`6G`8,1Z@LNUNN
M&&UPO"1_8E[L[L*%Z:5KY'P-QC\S)'%&I=F0MX).4-!CNW$G#6-H'0A,8--<
MX`+'@+%<'76#>]@NU`H%`H%`H%`H%`H%`H%`H%`H%`H/_]+W\4"@4&G\\128
MS[%LF@$(5MS6Z3LI+$'1\=0J#DC##W]82@G#H!(B7M3BN<01$U84B*3JDIUU
MII-['DV"(T`A'N'8@R]"Y(V-,J1-T^QLR9$R+)8ZEQP\..-BFY5DYXA,V:GQ
MRAKI-CB%+/CB:BEX+IS'AQ.(0.2`;>E.&6).E+59(]B++V/FO($4A$26IVF8
MR9X*8C2\@(T37%TP-ALFY*/EP[GNJ]WL"4XWR,D1@+3IQ+ANK)=*K+)1C*<+
M"L8JS&V'\WDYI%/IP)24RWG+!*%K29+$;C&$3VDANU<7D[OCQA`-P=4$?=D^
M2(D46<Z+.5%@4P[#1MZ9$F2A')=9G@3(;SD?):QDNT(X1GS($,:\NJ3G2]G,
MW$4(Q]CSK4[>V71G$J#)<M8)+$'$@)J919NDI2\)@N(`*$*K=C_%&38M"46,
MG&%K3#C)EJO-#I>D>HB9$T:7$<?UK9Y@T*`FR(B7#>2U&)G0:;@6DU&>6(B_
M&+",$$L-EY=QSD!Z?\ARF+V<'(3GCK$L+868N5+T9($:?)DQ<LSGLD>4/['$
MK35QQXZI"VM4YC`D4K2"$RLRR'C(!AJ&!X$RE%'5*ZKR'9QDS@WXAC9LS4SL
MAU<VV%XHVEE$[5L$G76$P"=SG_#DA;TI!B)MN4I&W*TZ@"0)A0%`JIKX<SB2
MPL_`D2XR2Q\6/^/(UF437J(Y,RDP-<R1R3(LP`X2A(\,V)7(UZ2GV+:Q$2,Q
M>4C4B:;`9R$ZP<&WLU07+<MRCC)TB)K@@C,2?,>OEG-ADR1B'>R7)#:HRHTS
M5.XF*E#@QO&-2`D-:9I2!/7*!K25ZLA/9.4I$*",0?+3%KU*H6D;G$^0\H\0
MC=I?)$SGD9ZA*@V/DR1REKPU2L41.RRXH>6!HS$SHE9%ZWB:A;9$%2M(('-:
M]<L,3/&DQ62.:MSR\.;[`#8:GE3K+VV1NS*S1;,V8)/%F"373W9$1YRN`3IA
M3HQ-3>:E2B:5*<5TY84]U(E85^)\VR/'R.+L*`K%\CQ_&\M(HY,SI.B*D,H?
MY@CDC0UL[*LB9SR?%X"Y%.B5S.<SSBG=*ZMR$T#9UR6P[BL5(_B;+R!$@N</
M(*WCS/)$\(#))HSV78'GSBN.,1RUXB[5.':+Y`AQH;EGD%#='=>PA(&@0I;M
M[JJ(;A5A"37#,;W!9(UN<DRJS.ZG&^94S$E<,ON)"V.YA>8[BEO@<LC,EC,N
M<W!>WE/L?=W%.L<S"C0.@Q.9S>F6K#KBBUA>9[KUD,F6O"N,,LIE,7*1Y<;,
M?DE9WE\8>(>Z3Z(ZT%QQ],>U+T-]NS-^1<?R-W6WLI5JT2D[E!*C6+#2RZJ/
MM;`>;7F23`$RFL_>"7*91M4>XM<SM&(3*(,7L!C2>V1)$3+*RY4RNT<QC&7!
MD.0!0H6\Y.N6D6/7!7F#H<$ALZ1>63@$.C,=:)(80&8PZ1+WQ')&%JA*9#&I
M>R/KPT9$95BWLBE#([-+:824W($2@"\9@B3U"``K*P"&3-D06Q[*L\F;:R(;
M-$JAV*&,!;<-"A4J7MFFF6%\L=EQ5[$!&)*VS=(I$:*XCE5P&`#UQEK6N&VJ
M(4"@4"@4"@4"@4"@4"@4"@4"@4'_T_?Q0*!0:JS3*G:'0!2[,KFWL;@LE..8
MI9^<TQ*Q)'TD[R-%(0YR#BRE0F1FJ6)LD)RLCC`KI;'D@N<`PJPRQ%A'R8R[
M*D473R/I,B2&6Q+&(89+IW-V%OQ.FRS&XO(V.;J'YE,2.<9MC-V70\4=;7U2
M1=G;W,^.O`0I@*%92?E$9/K$<EY&<EEI"I=9L8QO>P3]C]K$\-^*"X$KB;9D
MV?1=,1#BF)(')I#@F9XXF*7&O]P7&IX0:;K@"L*PHR.>[(2*&R&2,B;&I+R2
MCRPS8>B:I,]3EV7R&1+,%BSL[N3M&\?XBR$_Q]@;66W$23DY#H:>K",9Q:4F
MP3!BC$9-MQ)HTA')%>)6M%%RS96T*$D@R2<P9';)7$M;9+L0X,CS!#,?K$"!
M.%-&AM8C@O!JD(3@+K)1I[VL(47N:;%*8_E"1M*4E*:V0-%,X@<R77.BLF73
MUQ,T^500M1V,0Z621E<#%N?!M1*<A$NM>YX3S;6`.W`"BQ0_:&?R=0_NYF.8
MLC84T9Q*W-32.=NMW4K*D]S]D3`J]M<%_P`W]B>P<I\B5E`7$!/'RDA%A\GC
M-4B(2BB^]*"1)5LSN[XW8&Z/XM1Q%7E"2VR2J.;F`A]S#,L;2=Y91&X^2$O<
M3Q[&8&Y2%T7JC6L98";H[D!,+4&D"C-Q9KE3O`\-RR&0)A=77-[\:EB;1))X
MOC+2CC*R"SW),9D+V_-L"EB],N>(G#TPCV\IL/XDL<+D\.:!/<XT-)'[@RPF
M!M<U=\3<ANRO'31F%GAZ#)#:YDO47E&O^=,K,,>D[Z?C^X69\)?<.*VU:4W@
M/(3FB3JREZLCAD9HHS1]V-F3))5,848^:A2]I?A0PUB2Y%$*%.#L^2S55G8W
M8R3*,7!DQ:=$V[&E&FW`@*X$:%43=.LX5*I(%'\8-G9B,YK3SC$S-%C7V6.L
M/:+LV33)44<X1+9J):T3)6J&H@,:$D;P.LT0O++>P3#W-".Y*LIL4A$7844K
MEM),E#BZ%0C%,9E+4Q3*+PMW<%V6#V%4%;,=G,EZR-:YN1)L<2!&M1-+UCVS
ML[!,6)U"9&I,)3%K5*<):@49^9FB1*HCCV0)H.M,E;_/,GP-P@;)*&<\A5+,
M91'-)KBPHI(^1]$2ZM+M*<7"(0*A`9#;\.G4'B**`>C-"]VG\CFN!GN=Q=8R
M1*66898*QED#_*&^./L2<79I?FT;?+&+&CZ:\-2UD4I!@<&Q'Q1P!?ADR@LH
M19PYL9#-).X3K!3:S3![7N\FB+=)LA09(SQ4Z)M,+[&WPU7/I*Y7C]I.Q.+]
M,%"%L9DQ+L26O/(/&2B/3H74T@9M.1K(^<)3&V$]EE[A*5,OQ)B/-<D!%&[%
M;7+8"CGA4VY18H*;,DR2"#CJUW:T0$%I*)6N*;&EYO=>L6#2V3C@V7KIG9[R
M4Y.K)-$ZE+(U;>F?&6S<A;2X2>RM42Q@O=%$=775]EIXW@K)+._W`[HT8DR2
M0IT)7#'H%PPB87O.NQ0L'JE:55!U<G-/@3U/(LF;7BY*^4IX`K"ORTT)T869
M=Q-TA\#4D/#>`0QW?#!&I"[$")N:,1%6&*-A9L]2AB3PF,LAS.\2C&:02B02
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MN>LF1_(#'`<JE2E39*[(&QY4A1XP5/8'R6APY%VUMERF*+$L92,<:F>3B50B
MF<)CR-JDD<.-",)+W8`HWMF/.CAB%R5A6PQ.LCA..)O,FZ1+W]S:RI#)X7%)
M?,E6/V<#?#I$V)74,?B)BP\]U7-G51FB,0E.`DJPH@1##ISLV\,$WG$(BT)B
M#^LQ\WY'>Y`KDN5.PTH#-C7'^O<_=1$DIH+*S0.RM#G].$!*C@$I)*&QYRHL
M*HL(!19K;8R)W.?A1##CLYMB24IH2PO$F63F$M:F3F9QA>#3D$E>G/$RJ--0
M!N<H5.B>S,X216-O:C@GITR@5B0BBJ(V;D#S)$<9:,;K%3^S/\KC4A96B9-=
MRUTW8F+8T]MA"-6^1%(6H)?"\(D.9)Z@YA4E(I`SJS`W2G&E&BB[Q_95V?@M
M:PB$,(FE,\8^C<Y4$S&4)'6/2/(>47+$R1N8HY*,5Q9X?2HY*&X9+L8Y%L!B
M<\E4046>:F&$0HH(?M&\/J[#;!(L=M$9E.=HQ`YEC]F3Y!->25["_))=)\@\
M*O.A#*,3CBF`Q]"M7%D$')U#F^(D`3RP&A6C%,53(\^SV(+LP$+H?#G@Q@RZ
MS8XQ*TD2F:)U\MNHPC'LM/9,B-9<52P,;4-K::N6V4W`>BXL6:6<:1=.68K%
M%%&]FYC.!)^Q'&$8"5()##V>%'S'**^-E.R1\U[C.?7]:_C:L92H$?7,B*5$
MMR-$FNZ&N7%E2L0DA!%["%&LCMU)M*<<2V3X[Q"`QQ9<0IYN)S=76<*HC'Y(
M[:[1?8%"0YRQNQ09!7>,HFZ6)VT)R5ZLZ+'*Y(+-Y*8\Q6F%'0E$-88C2#<2
M$R5P&F(&O2HE9J]&F6"*!=40D7GHFT]:F)/N()9PTR<9@+6%<L%[];8BIH%`
MH/_4]_%`H%!C,U[3I;VL]K+]VZ]IWQ6J[;?T9_Y_^R]?006!WE\>?_SP[Z1_
M\3O+_P!$?WO/]TO^/^3UU%^TPR/BMJ[V??,?_P"@^*^W&2_%7^YG]X?XSQRB
M-3YY[WN1O);[?XGW^>][\1PKOC?I_P#W3_8>3:+DBB\<M=+ULY5Z/W8_\WAG
M8SRGV`]3E;H_23C?%NPS_P!3OFVXIQWJ]EW_`$3DGC7%OZSR747E+:S9WF'?
MR`_B:1?%G>8_+\/?&_\`@W]X_P!H['Z'VR9Y^*DOD4]Z?,WQS\5=N*7\E_VG
M_//_`!GK*J?:P9#Z_HE9<ZGS*<!T=2>4OF.XOV*<B</D'E[C?"?]2^8[D7C'
M"<D_]P\4Y=Y&_P"J\3H<TO!_T>-.T;XS+_C_`-'VAR?O:?XG_P`/^`\=HC4+
MG\1-'DT=[.._&?Q%WN<P_%'^V?\`=WZ.=D%%^V2O/;BL[QO;,V_'/;C\:8`_
M+/TF_P"6_M78K08GDGM)?_)A^+,N]\GM)[ZD=^/_`/#/SN_2KBE!]X!VK(/)
MH_\`UKV@=JW?CE7Y!_\`C7Z8\>H?;)9-VG"[QO;-EWMF[3OBO*O\;])OSN_L
MO+E!6XN[R;'WFNUES[UW>3_I'#XC_1G_`)K^5PM$:(?O*/QOY$?:G"?C[RC_
M`.-)>]O^B?\`<G_CQRB\N;.(%VO;$>2WVRSKM"[7OR%?Y1'Z2_W[_P"1PM#)
MB.6.(<H;+\I]&7B?S;Q'K^4>R7L]X7K+\5Z1?8C_`->^:3C?6<'P?\SR5QCC
M']6X6ADD;,>V*'=[K^AF';CVQ=KIO:=_Y/\`?'^'==1&E'KO9L_DG]IFN7QU
MWL^VU3\3_H9S<_XMU]%^VY(!_P#`=[/O9XU[0/\`[J_(/]L_S:_^>H-3YW[1
M)_Y+?;_'>_OVB=J<7[?_`-/_`.[O\)XE0CY7E3W_`"`>3IWLSORGO^?QWGM`
M_P!L_P#C_E<8H<E'-OCS&'DT=_%Q[=OCS^.O[V'^^/\`S/\`X\+05DW[];!Y
M.G>SDW;OWZ_Z-Y^(/]L_[S_D\8H<D'%W6<:PWU?NZ>$X[E#K.*\8^9;K.5M;
M>$Y!ZW^J?/+UW6\3Z_\`G.)<7ZSW.$J+GBEBD[_63_)"_+,:_DG?Z[8,:]\_
M^V?FU_B'(U5.7-ECY^498\F[OBNOQY^4>2^R]]C_`'%_YO\`VOXM0RQ:TB/;
M+KAY$?:^_=J/;+_2O7DX?H__`,__`"^,T,\5_;NOZ0NOO#]AG!]&C(')7(_%
M^Q#K^6L1=D'S(\F_UOB76\F<H\M?S?(_)G(ON\O4%'F'M\>/(V_+</\`?A[?
M/R^9?'']M_,_^T<HT(^6LME.R7H^INQ;Y@>.]GV->-\E?-)\W_)WS6,?#\?^
M>/\`[?X[PW!\A<2_ZKR'R5P/\WP]",55"N)\;A?)_0LY/Z)D:XCRSR[\ZO$^
MP`WBW'^RC_N7YA>!ZWA.4?Z]R?P_&/YWKZ'VEIAOM2([T_Y%#>\WVI=[*"_T
1']B_N;]&>3*$ML40H%!__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>g655598g28e20.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g28e20.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0P04&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````Y0```68````&`&<`,@`X
M`&4`,@`P`````0`````````````````````````!``````````````%F````
MY0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"70````!````<````$@`
M``%0``!>@```"5@`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!(`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#KNH](S[OK5CY]?6KL?&K-1=TQHM]-^W?OW%ES*/TW\JE:+,BFS975
MU5V][?:P"LN]VW:XMLJ=;[?^$_ZXM,U5%X>6-+QPX@3]ZE`24T,7JW2_1;6,
MQKS4QNY]IVN(#!:;7;]O^#]]G]M6*.H860_93<U[XG:#KXZM1X"=)3@=/SL:
MYEA9U"UVW9[W,=[9]2/YWU6[7;??_P`6BBVA\NLZP^ROVLLV>FT2#[8LI9^B
M>Y_T_>M6K%Q:)--+*MPAVQH;('CM"*DII_M;IK3L.37N&T1N$^X[&?VGN5BF
MYE]3;63M=Q((.AC@J<)TE*220LFUU./9:RLW/8TN94T@%[@/;6UUA:S=8[V>
M]R2DJ2H69^3Z-Q;2VJU@'I&ZQNQSB8VN-1?8S_,4L/,MMM=7<ZET@%GI.),Z
M[VN:X?U7;]WY_I_X/U'I3=20<JZRBDV54NR'@M`J86AQEP:XS86M]C3ZBAB9
M-UX=ZV.['<`"`XM=((_X-SO<QWLL:DI__]#U0D#DIUP?U_\`K-D=)ZMAXU>'
MC93?1]=KK]\M=Z@^CZ3V-V[J:G^[\]7OJ=]8NH]3Z0;OLN-5Z>393L;8ZMC6
M@4W3^E]9_P#A[_H?S>RJOT_]&E/2Y66_'<QC,:W(+P3-0;`AS&0]UCZ]O\YO
M_J5V++ZGUBIEE#39E8KC6+',8QD[7GZ%@NW;+&>G^:A]1M=?;5;97Z=AJ;OK
MW!^UVY\M]2OVN6+G@"\1^X/RN24]ATS+;F85=[2YTRTN>T-)+3L<[8TN:W=M
M1?M>*;33ZU?J@@&O<-P)G:W9.[W;7*A]6?\`DBO^O9_U;EYAU#Z\]?IRLT5C
M#BN^W4XS2XFJQWIO>[=[GM]-CMZ2GV1<XW(I&4<EM=K7EX?`O.T.E^_]'LV?
MI6O].S^I7_A/>M:O.R3;Z;L.W8"P>N"PL<'DCU&#?ZFQO^$]OZ/>L)OTA\?X
MI*:M?5HR&7C$J;:;19O:ZP'<XOW'1_N_G[?T?\VKW^,=H=]3.H!PD$X\@_\`
MABA83/I,_K-_ZH+>_P`8W_B-S_C1_P"W%"2GSGZBU5M^LM1:T-/H7Z@1^8O2
M:[&LW%^_:YA836[8\;H]S+!MV+SCZC_^*2K_`(B__J%Z&_Z)244/5+:WX#J@
MZ^P%]9_3O#P-FYNYI^GNL_/_`,_^<]1-]5&M'5'D`#]`[C^O4A9_]&_M-1_J
MM_RF_P#XAW_5U(J?_]&7^-;_`,4&'_X3_P#1CE;^H('["N_\-V?^>Z%4_P`:
MW_B@P_\`PG_Z,<K?U`_Y"N_\-V?^>Z$E/06<CX?Q*S<_^D#^H/RN6E9R/A_$
MK-S_`.D#^H/RN14]+]6?^2*_Z]G_`%;EXEU3^F9__AC(_P#/MJ]M^K/_`"17
M_7L_ZMR\2ZI_3,__`,,9'_GVU!3ZZUK89I^:W\C4,?3^?\45O#/ZK?R-0A]/
MY_Q10XK/I,_K-_ZH+>_QC?\`B-S_`(T?^W%"P6?29_6;_P!4%O?XQO\`Q&Y_
MQH_]N*$$OG?U'_\`%)5_Q%__`%"]#?\`1*\\^H__`(I*O^(O_P"H7H;_`*)2
M46GG_P!&_M-1_JM_RF__`(AW_5U(&?\`T;^TU'^JW_*;_P#B'?\`5U(J?__2
ME_C6_P#%!A_^$_\`T8Y6_J!_R%=_X;L_\]T*I_C6_P"7\/\`\*?^C'*W]0`?
MV%=_X;L_\]T)*>@LY'P_B5FY_P#2!_4'Y7+3L!D?#^)69G@_:!_4'Y7(J>E^
MK/\`R17_`%[/^K<O$NJ?TS/_`/#&1_Y]M7MOU:_Y(K_KV?\`5N7B75`?MF?_
M`.&,C_S[:@I]>;PS^JW\C4(?3^?\45H,,_JM_(U"`._Y_P`44.*SZ3/ZS?\`
MJ@M[_&-_XC<_XT?^W%"PF`[F?UF_]4%N_P",;_Q'9_QH_P#;BA!+YW]1_P#Q
M25?\1?\`]0O0W_1*\\^HX/\`SDJ_XB__`*A>B/!VE)1:6?\`T;^TU'^JW_*;
M_P#B'?\`5U(&>#]F_M-1_JM_RF__`(AW_5U(J?_3]"ZA]6>@]3M;=U#"KRK6
M-V,?:"\AL[MH+C^\Y-1T#HG3L9[,3";34";'54@B70-SMC3]-S6+YI224_2I
MHZ1ZHI?CV-L+MC99:0=7,W>HS?6UCMGYSD9_0ND/.Y^,QQXDS_>OF1))3]14
M8&+CUBJAAJK:20QKG`23)TW++L^I/U3M>ZRSI6.][R7/<6R27'<YQ7SBDDI^
MFKL'IU,#[,YYVEP#-QT:6-CZ7\M0Q\7HV2][*J7;F07;V6L&O'NM#&N7S0DD
MI^F1]7^C"",1FFHY[?-&S.EX&?C/Q<VK[1CVQZE5A<YKMI%C=S7._->W<OF!
M))3])XOU1^K6'<+\3IU-%P!:+*QM=#A#A(_>4K*.DLGU,:P-!<"0VQP&US6?
MX/?]+>US/Y'_`%Q?-222GZ99TKI&52UXQ]U;_<`\/:?G79M>W_-1<?H_3<9Y
MLQZ!4\C:7,+@8)!VZ._DKYA224__V3A"24T$(0``````50````$!````#P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@`
M`0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#
M`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`#E`68#`1$``A$!`Q$!_]T`!``M
M_\0`M0`!``("`P$!`0````````````@)!@H%!PL$`@,!`0$!`0$`````````
M```````#`0($$```!0,!`0<)$0L*!@,``````P0%!@$"!P@)$1(3%!46%W2T
M=;6V=Q@X.2$SLS0UU39V-U>'E[?'2'BX,2)S))7%EM98&0I!42/4)54F5B<:
MTY2FYF?7,E38$0$``0,#`P0#`0$!`0```````1$"`S%!,E%Q$B&!4A/P84(S
M8B*1_]H`#`,!``(1`Q$`/P#=NU@9*E&&-)6J/,,(-1$33$^G7-N2H@>XH['!
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MC(L,MLI<A<C#+J4-LMH!3T6%`P`````=49PE[S`\72>5Q^].6[M7(O%+U1%J
MDBWCTA:6U1PA%U:6W[J59?2G\U=RO\@ZMB)NB)<W32)F%?/A=YD_^\P?D)/_
M`,05^NU/SN2'Q5J%E[IB_-60Y:E0/AF,(POE")K0V%L='&QHCS\^'MYBVPA?
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MX1IVDAP7U1J"4Y5IV-HF'AB=.N18+R^^)6],\-TURG`W*]I+4D-3DLQ9E*98
MQ/?VQ(K4KE3>WR0R(5<"4IBA5>E+4T)J>?O.&OUS+M4`````````````````
M```````````````!_]#=ZU7XKD.==+>I3",16,S=*\QX!S'BN,.$C4+DD>0R
M'(6.Y'$658_*VQN=W)*S)7)W*O5&)TBH^PBVZI9)EU*67&QZ3$M([_:N[0?W
MXM&WQA9M_P#SR.:*><?M<SL4=C?J<V;^>\K92SA.L#RJ/SK$)D`:$>*9/D%\
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M%)<39,="#J7W;IZVXI1=7?%TI45E+@&`````#K#,T*=<B8VDD.9%#>E<WCD?
MBQ[H:I(06<GOS6Z'<.:D2+E%N^3H;Z6[TJ[=OK2E=RF[6G5LTNB99=%8F$$?
M`KRG_?\``/RK(OU5%?LMZ2E]=W6$B</:=G.*0G*$&R`L:'%HR0TWL"RV-+W&
MIU&E>TO#.ZEU4+6INO2J#$SI7@K[+;][7S?,W*;L[[HNI1W9;-M:OZ)M($&+
MB,%B:S(&:'$S&#A:HQS+ND"]BG$,:3(C=!'**,\CB#7'#[HR\10TQ,H)46'G
M6G76*R32EJ9(I3\*5=1X<V>F.8-CC3<Q2]\E+A-,)8STH1N3'P^5OL>@60)[
MI-C[(VP&;/$4N,NL7\GK&\^TLDZMI9Z0TFBDLT]&B.2B9U<G-M"$*+Q:_P`%
MPZYN<+>W[3]&=,O+KT_OK@A10&(/$O=X!*U#>W&(EKC/\0.^17YUCJA,J:[[
MW%=6B@^EMB<Q,*I@07&\*QQ'HC&HC'V]L;X/!HWC>.'T3E&NJ*%1)"0@88_<
M[&657GMZ`E/;6TN\RMG"5K?N;ZZM:F,I:FEJ8FU"S,;:WLS.V)B43:U-2-,W
M-K>C3V4+(2(4*0LE*D3$%TI;867;;9;2FY2E`'(`````````````````````
M````````````/__1WRL@*U3?`YLO0J#4JU%$9(K1JB+ZEGIE29F6G)U!)EM:
M76&DFV4NMK3S:5INC;=8[LG2>RK[I<R?_GR4?E=7_P`0>CQMZ(>5W64EM,4V
ME\GEL@22*2/#TE3QVJD@AQ7'JBBC^4D)7#66&W74M,X,RZW=^[N5J)Y(B(BD
M.[)F9FLNGHCM%XV[Y3U#QJ[FMD./02+9;EN'(/A-<BG&>9>FTWK443S"QR"$
M)90I/YRS"9KJ'01/8E;['ID*O4VWFETX:D5Z:,P<-H[B)E1K'1YB<TL:4V(F
M+*C:YLKACZ0HYX>^RBD+I"L3G-TVJ5DM]9),<F1.Y[==5"Q*'!(6YG([C;Z%
M:RDONQQK5D.5,X8.QLP8'G$>B>4L5:B9S(W^>'-<7D41>L"Y)PS`%29+'%*^
MX]_BSK;E=*M)7D4K>K3.*&XLNV\IR)2"E(GU?/D+7!'X/K"B.GP^2XI318UR
M@6/)LE=I0WILJE95S*U29ZQP3&8Y?(TR]3&VGD1A;G2VUI67*E>0&HXE2F*;
M7"TT4]*NGL1ZZIQ5YEBC)J.Z4M:)A9VV*1B%LK,@D4BR-.=>VH?2I`&-(L=W
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M:&$M84=S3/$4#+QQ/X0=)&G/#]`'Z3&PU4S3IFTVYACF$<KK6\N-RI[>V/DF
M8S1GJE+=4:&]>E75,)I=0DW<$Q1R^MF522$Z8\F2>(OCG&Y"V<S.3WIG5FH7
M%'QW(,4;U?%U1%UII7&$*LTJ_<K]\69=2OF5'5D5NBKBZ:6S,*`_"IU(^_?D
MO]+'7^L"_C;\81\KNJRG13GG*CCA'5+/I5+G>=/>-XK?)8Q9,W!Q>42=8U1&
M8O5B4TOCB=51`M5MA-%%A1Q5]]EOF7VUW+J2R1$4I"N.9FM99K`]:^16^!XQ
MFV5FAPD3E+,/9ES0Z1:&X(>L-WJHQBZ(8.E#H0PV96S9+5CF<U$9#7F(EY9]
MJ%^I3B]+4)J2IBN:E.CL+]XOBM0;ANC)CS,,L1YK9FF<Q]=$HB2]V,^)I9/E
M<"@>3)$B+<B71"V2^U/5[M;["#'1N8RE%RTA.O*L;SA35R./=6,@RSJBQ=`X
MQ#WZ/X6F6#-6LX;Y/)2HK<9D-^P=FS3#BUD?(U8SR-VD#`T(ZY"D-UZ9S2HC
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M,Q7FQ=*)DN=4,K86&*-4D58KO8,R2#`C^=+3F.0+DCBG:<CQ-UX2]IO7V7-#
M6J66UK=Q1.K%'4=,O:E[[("]-[O-%%%L/*<,AQM=%$I,79-0ZW4#BUBLP6RR
MM5B]D(-C:8UVD,2-7D2-_4E(B3%!R-'>CM<*BD+608``````````````````
M``````````__TM]^1L]LBCS]'[S[DMCXS.C/>JM+H;<FM<T)Z*X^TJMUE#+B
M:'[ZEM;J;NYN;M!L328EDQ6)A$SP/FW_`#TN_(*?UT%/MGHG]?[=I8JP4CQ>
M[N;J1(U3Q5S:KFN\@Q!:W\#9<I(4U.L/)6GF;^G`;E-S>UIN[M*[M!S=?Y1H
MZML\9K5SJ[`V('&'P.!'P1H*B6+TE$./&A!>N:K(:EI"7O'-"V!6V*T;@WW4
MA,C7-^_L-I?P2BZ[=X2EM].'=6)IM)6FQ,11)3#D+5-]L+>L?6M3F@->&:D5
MDIEITG149G4]8UT72DVRESHX<#RBY5I3C)YNX#:SU9<V8)Q.SG8^6((>EM<L
M67R:Z"/2EQ>G!_8[)F>G5RQ+60.#DJ>G5OD:Y"E4+4RT]2G4*420Z^RIB1-<
M495RBW$6-7!AE<96PYG4,DYD]9K+D5Y9M*OTMHN:7(B1KE5IUJR]X1+&%#<F
M/M,MO2T1)[2:V6DEVVAB=-,^`^(/S7=BJ(FM\G:N1GQ(>@N4%+D%F0I+EE-3
M</-,JF5M^3)>XOR1234M2C=5'&"#"S+"[K#:R(=,^`VRD:Y-Q5$6^^))WI(T
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MVV?&8EDQ6**Y?W34>]^QY_0=#^LHI]O_`"X^N.J6NG+1_',!Q?),06R4[(3)
MDTA(A?$3HR%-!%6PIN=VM:WF%IW-?520Y)'<RR_[ZRM*4W*?=\SBZ[RIZ.K;
M?'=W'*,`X;FC7&&64X^87MIAL85PJ-MRRQ35(V0]P.BA[G&+22U)=BIA=>9#
M46K2G\*2K(26DG6WE7F67\NZRX^S39@PEQC3NEQNPH7*'R&32>-+&VJ]L.:7
M.92ZV?2LA/<@6IJ7L,AG!=KNK:K]^UG.5EJFY/4VVV^@K/5^XCIPP9`LD.>7
M89C*,1K([PW2UH7REI2FI5E[7/9*R32:MZ=-8?R>A22F91Y*[KK""2[5+K0U
M7?NJ%"@PT5E_,[35@A0BE+<=C&,F(9LV3UFE::XA3P;XUY1R&_98R"B74XSN
MW$RK(TH<'=5O=[6Y6JOK;6VVM+:"LOVY:;L&.UDR*78TCAB>?/*.32=*24J1
MHU4M0O)TD3S1N1(U2=+'9SSE/JYF/;;8D=3G*EBHQ1<HLL,M%9<FUX&PVQH4
M[8RXXBS0W)$V-T:=`V-UB!&2GQ#.77)F-[;$R6XHFE\4G[XL=R+]S?WKE)AI
MM3+KZ[IE7SJ]/N&5KQ&I`=C]DL?8C(95*(^\)*K4#DC=YQ-3,CR_AEJ!6F4.
M+5))Z91W6-ZJXYO/<"RSKB:WE%UL-K+N,&``````````````````````````
M```#_]/?X`````````````````````````````````````````=<3?,6(L9N
M\/C^2,IXXQ\_9#=+V.`,DWG$9BCO.7LNY-9>SP]M?G1`MDSI9>M)I5.BL/.I
M4VRF]^^MW0X%HU&:>Y!?D@MASMAI[,PY8I-R\6T9/A#E?BLM%19<L,R1:B?#
MKH/8DM;E%3:N?%:%T(,WVYO+MPVD]&;QR?P68\2YH3.*RJCE&&6;-]\;D#2^
MEKH;)35Q$;EB0QK5JBU$;D1S6JM0+K:U3++DIU";[^",WIB"^T5UDSG1]#<;
M.^/HFR2QYF\AFI#B4X,<KG+@T1R!XSE4^<'-)CN`K4$Q=&A2O9$C>Y/I9E6R
M*)UUK@XV7IK:T&2ZMBKJYBUKZE5N>5,%?\909@BD^@"=\TMM:6/R^2-VHV<V
M:3X_G=[AT2U.-4MIB--R1-#'Q`4<H8R2G%F8SU2<RZZEU;12*,]T]:XY!,Y]
M%L2Y\9HQB3(JRV6Q]:R'-DA2K95.+92H.@S>SM]CK)T6/+3L6D(79P1OKD>:
MH<9&B;4*@U<B<TQ&LF.BRH&```X2226.0U@>99+Y`R12+1UN5O$@DLD=4#&P
M,30@)N4+G1Y>70]*W-C<B(LNO-//,L*+LI6ZZZE*;H#J%-JHTPK*XXM1ZC\#
M*JYB-J3B.B;+^/3ZY3.HOO:ZE8XH5(;JS@VCF7<FWK9QJO#TJ7_\Z;@-I/1F
MA68,3'NDH8T^3\>J7R$/D6B\R9$TSCJEXB<FG2\MIA$;DC60XF+V203)U.L2
MM*)266I<E-]I2>PR^M+:F.Q0`!__U-_@````````````````````````````
M````````````!3]M#=&NH#4?FO%4OQ63&#(JT8^M@;_8Y3?FLU+[U>:\9Y%?
M6?.,5/B4B/RWA-P8('9P+,T+&AV*=K+OQBA*FIJ?'43$1+.H]I-GV3]46H_)
M&>X??;AS)&$4N%V)C><GH'Z7E6H\GNT[M/QB?CF-P*[',-47&$.!MSHO<Y%5
M\L3F$J4Q2:_C`KZ11^=,^FK4U@3-<6N:7&*M.GA_@J%;D2'W.Z23.C-(TR;(
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MTW^DM*K;2[S=T:Y<R`__U=_@````````````````!^;;K;[;;[+K;[+[:76W
M6UI=;=;=3=MNMNINTNMNI7=I6GW0'Z``````````&%9%>9I'X8]/&/8FQS>7
M(;$1C7&)),KL?,CB7>Y(RG0Q?+[(W+ZL]C<SF*%5E>3E%#C"+2:\'0SA;`K"
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M-Q"J>$5'`PAJ9I1DYN>I#QI#9>;S,K8LKNVV;^F.J16E'?>6=1^K+`F6WB,Y
M)NB2_&4K5XMCV-91$8LD=96?:ZR/!F/GE];XHC?5[F;)YME+("V*HTCHG3-2
M-]D<8,+,/;B'U02*1,?M9ICF?Q3+&/8)E.!N?+<'R5#8O/X8\\55H>5XI,F1
M#(HZY\27D)ER/C[0XDF\$>66<7O][?;;=2M*:Y9D``/-<U5;6G:00O5!J0AT
M6U>Y;9(Q$\]9@C4<943BUVHVAA8LA2)K:&M);>U7WVID#>E+*+I6M:TLLINU
MJ.:RM%L4CT="_OCMI]^VCF7\IM'K.%9;XV]#]\=M/OVT<R_E-H]9PK)XV]&W
M?I8GTRRGIIP%DC(<A<)9.9OA_'DEEDF=;RS')]?G:*M:MR=%UY191=ZE8I,N
MOOK;;;2M:_<'JLXVO#?SN[N^QVY`$^<9Y-B.)-/3/,9N<_D,1+TXH##(U"IK
M/W2BE<]+;$U+8]`(])Y"836ZVN_-M2U**IYM]UM*T'GR<I7LXP_&.->&EC+T
MBA\6QED=SFSS.F!DE4?+8<9995M]L=DCO+6%@=Y"]T@MK)#43R[P1X)37/"A
M!PUS>;6W=MI2M>'=)=B0#4]@?*9Z-+C_`"*U2A4X3%S@B)(@0O=JM5(&F)63
MQ5<2E5-:<^Z/&PX\AQ3/.]Y&6I5:6].J-XTGX44E7KM%\[9>Q5E"#L^.Y\_1
M)L<8%:Y+D34<062I7UD+TEJJ,H:0;6IO%T]EGF5IYEM!7';$Q-82OF8F*2KV
M\,;4][]$R_YE)_4Q3PMZ)^5W4\,;4][]$R_YE)_4P\+>AY7=5HVS7S'D_+73
M1TD31YE_-_HZY&Y7-),Y.Y5Y]\H\7X(DK<XWR:1O]W=\ZM$LD1%*0I9,S6LK
M1A-1_];?X`````````````?Q4IDZQ.>D5D$JDBHDU,J2J2K#TZE.?9<4>0>0
M;;<6<2<7=6VZVZE;;K:UI6FX`UTI+H1S(=@W56MT_:8L;X:9]5N:Y"FR)@6-
M*6#3\XGZ4L`1*50S"<&:FF`0A\9R7_-DWM.D\DLNN+-6,3^H9[KRZJ;CD^.Z
MQ6/5V$[:,LQDX<PGDR.0:9UU"IM"#+BG).*5[^P*H&:RXTQHQ(.AI0]7-$=E
MBASS$_\`%&Q?'[7=$R%H+WI64<C>2T+G4RNVU5Q^`9!DJ4XAAC[EZ)M\)R`M
M2N=CU'6MO/9D1"1&^NB".N14?5/<E61>^01E*C<3&@]Q7'M!BJY&:H.,(N,N
MUS+N(``````````=(YW+QQ+L>SC$$^R*JQZCR="9!%%[HPR-!&IBC89,@6,3
MDOC3HN2K[&UQHF/-L)54(,N),^^LW+[:5IL6S.D%8B?643,@Z<=#N0W+%2Q9
M+T,;;,40B&8N116'3A"R1B88KQQ,(CD&`XVG*"I"M0ZQ*(S2#MZ](4E.0J/,
M/3F'&)%2E.:\+NAYQUAD&?\`#VD?4HGD9>2<H5N62%.SMA;JR35C0KH]'6N/
MS6+K8S'"U36X-J)JDK/DA_L<C#4YZ\^]RH98H+O0M=R'?"[H1?$;PS3,>L/`
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MB8D"A`RHVQH31Z2/%J:Q):H*L*)M)*)+)LW+:TW*6UYNLFV*RV+HNT2_'+H`
M>25K1\<75C]9?.WRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ5
M0[<@"9J>)93G^BV:P3"<K9H'E":QZ81.*3A]JZ41PQ1(W52SN,K349BCG"]\
MCK,L4K&RRVEME[D21:9=856^^WSY.4KX^,5=8K]`]L=S-ILD&$4$)Q!"<"LV
M(XROR`PRK(I&8)GC7$#-)&5IP:]1!IHSXT>X&]IGJO&ESD<J-*JK5&%(;5-2
MU`FI7TFKA9GH'G#1D5'D#37+8;@*^N46Y>K9HA1\8D16-:((O>_J#[VQO.OD
MLFD+Y'".4(^?1+&G)G:F%N-K98QIS3A7JCAM5_=BQUWM+.ZF0#T8N,]T,FL*
MN11,`7);)/Z0'P5?.0(Y?Y4Q[KD1)5__U]_@````````!'C5S.\CXPTLZBLC
M8?93I#E2#X4R7*<>-"=%:Z'JIBR1!V<(_<4T7)U5'J]*Y$%G40T+ON6\'P%*
M;IE`;&L54`Y)UA:I/!4BLTQ+F%5>ZQR?ZA(%&79%J!QQD"1ZH\U-\$Q3+L`/
M.%WV1XCA%^=L6HY+(WR/R2&QYC3+#'XJ\@FM&Y`8:1CJD5]4[]1.2]3F!,KY
M`F$GRO8]8HD2+#\@?H3&7%N8[<(PA]FN(,;VGO<F?&M&R8OC[_D>U_3K).H<
MU5]T0<)$]UH0;$$Q!YD1$Q^W>^I75U,HWIIP-GK%#<KB=<S)(9);&'(,=)I(
MV-BFD!,F25DD++>H,L:9(U\,42L*H9?P)Y9A>^KN;HI9$73ZIWS-NBO;]Y3J
M>_O6&_H@D_K`I]=J?G<?O*=3W]ZPW]$$G]8#Z[3SN2^T3:P\T9US(IA4^71Y
M0Q%0M[?+"VM@(;5/'T"]F3I[JJ"S;[JE4+7&;MNYN5KN?S#F^V+8K#JVZ9FD
MK:A)0`````````5I:V?9]%/:A;VZ=!;%I*.36.R&(JX`$>]17J5`^R$RZVAP
MS<1;&@`M&V5'NQ9%[VE_=3'Q/+QCNICUE>Z(*@#R2M:/CBZL?K+YV^5*5#AZ
M(TA&D``;]VACQ,]+'>#Q7W&M`]=G"WL\&3G=W2J';D`?ATELK9[&Q$T2:0M2
M.U!<9:D;7IR0IJ&&.3A4R^A"92452^^M/-KN;M1E(Z-K,4I+BND*??YXE_Z2
MO7]="D="L]9.D*??YXE_Z2O7]="D="L]91!U+O+N^.\65O3JY.ZHMM<$Y:ET
M7*G!18GL5$&6$6'*S33+2;3#;[J6TKO:775KN;M:@3,SJC*-8`+DMDG](#X*
MOG($<O\`*F/=<B)*O__0W^`$)M=.I2<:;,>XS.QA%>=F2,SYKC6%(6FNA[KD
M,IK<G:)SJ?.+O=`F68XY73%25&\=KB$;?SB8"#EZ@CAW!*10PRAL15"R([6-
MBRCJIT:87Q-,<(RS%V7VQC;LS3MVY3B<S<)WD+3//,ZX]:,50%RG)KI#4R17
M&60AXL?+'J[C$O;V=,=<XDJC+,JWQ])EV5B77=EIIG,4QIK'B\%P5,%TN*:W
M@EB9Y#*D"F^5Q_&#1#(6G5Q"6Y':XJH:\LSY>B<92\KTK8<QHH\XGH&FLT;D
MZ$4Z+8AKD``$>,XYZZ&54=3<U.<G+Z=R/W_+O(_%.3S$9>\WO([IP_#<;W=W
M=LWN]_EW?,[ML\J^KFZ[QIZ.B?#F_P#%W_6W_:(Z^K_IQ]GZ/#F_\7?];?\`
M:(?5_P!'V?I"?73J!Z9,8Q9MYI<W.1IVC7<-R]RQQGC$?D*?@N#Y%:^!WFYN
M[[?7[OW-RGW1U;9XSJYNN\ME6(HY`%BFS#\9%=WM)1VUC0GDX^[NSDV#Q!8`
M5';5[,6<,2L6##,9W/S?!'1XRT[9%<([+YMC]PD<AA6+7628GP^FFF.HK+)D
MSNF69*0I2-12,I/5P>DB-*88<6=>WKLEU;%77T/?LW.NMK)$(2Y5F3PLS="<
M@/+&S-&1LJ/!F@DR_!N/TL5092PZO)OPD^6'SFY4L;E55"9R/=7*EI?&$UMY
MA0]*:.2T^YOS;B7-6'<.9;<YYF9DFKGE7'^/YLF>9#8U+BDV17ISD4NO*DQ;
MO)LLM\#N2(HVD<'98E4MT>95+\4:M3/Y!*<31=`-<@``K2UL^SZ*>U"WMTZ"
MV+24<FL=D,15P`(]ZBO4J!]D)EUM#AFXBV-`!:-LJ/=BR+WM+^ZF/B>7C'=3
M'K*]T05`'DE:T?'%U8_67SM\J4J'#T1I"-(``W[M#'B9Z6.\'BON-:!Z[.%O
M9X,G.[NE4.W(`QN2^?MW8W\XN('1C8``B_J#]/QGJ-R]&2@;([@`"Y+9)_2`
M^"KYR!'+_*F/=<B)*O_1W^`%,VN/:B[++',\G.D76-(%3O)8,X0QVDT.6XER
M%*6YJ=G..,,_B3JU2"/,*A.2YE,DC2FVJ$2FTXGAC";KJ;IEE<K#J+;M81TM
MVUFPX*<,8NJ5Y3(%^%SBC\4G-FF_(K72!7)X8XX\2%QPENAB4A"F0PAV/;$Y
M-+:DITM]+2K;-Y96U6&^-S^,BVTVPXESDS/$HD1[^[1^>7Y.:7-VP'E9:O2S
MN]4RK:2*]6?%KSU2DE7&6HPHLZXP@FYH05+LMXBDX%6#QN7':3-7^"=;>+5&
M9-.\F<99`4LJ=H6<Z.D:?HJIMD#(C:E[BEHV2-`W.%Q129Z3UH;0O@[ZWUI2
MM:VUW-<S$Q-)2<!@`KRUP^JN.^Q\CZY9Q;%I*639!$53`'2^>O8,B]MC7VGD
M0S<0_&@`L4V8?C(KN]I*.VL:$\G'W=V<FP>(+`#4MU:?Q+DXTT:FL[:?D.DB
M*2Y'AS*$OQXFDZO+SNSJ7XF,.ZAL+=#VLF`.!2`U9:1OZE6GFTLK7<I=7[HR
MJD65B)JCS_NS,A?L3PSX\'O_`-:#*M\(ZG^[,R%^Q/#/CP>__6@5/".K:"V=
MNK-QURZ.</ZI76$HL=+\H]('#PUO?#Y(C9^9.4IOCLK@7I2V,YRWE`F(VJKM
M\F+X.X^I=-]2VEUW2<Q29A-8&`"M+6S[/HI[4+>W3H+8M)1R:QV0Q%7``CWJ
M*]2H'V0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75
MC]9?.WRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y
M^W=C?SBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\J8]UR(DJ
M_]+?X`>:/_$">5TU:_`-]F7#`YG5:SC"FP8Z`&[ML88"1D_8=9QA"F73J"IG
M?49*#U,HQKCB?9>FK>G95N#WXXEFQMBVM,@RZUT*:ZHU29JW5-$9YM^Y6VRZ
M@ZC1*[DG+!L"3K+9F@2*RC!,QQ=(XME/*&0<B92CK+FC'<?1:==/N69M*,0L
MCQ')A.)*?CR;ZH9A+F%T51-V=G)\0L9CT5?P92>T@D5U]64Y/A>I;2YD2>3[
M%[!FG51$[LVK9\="')%/BDSED"1Q#-628>T(R&@N6KI/&X\K=V>%7/Z=&BB3
M:[O<85K:)28.]<*9Z3JEUKA]5<=]CY'URSB^+24,FR"(JF`.E\]>P9%[;&OM
M/(AFXA^-`!8ILP_&17=[24=M8T)Y./N[LY-@\06`'E8;5/RD>M_ZR^6.ZMP'
M,ZKV\80#&-`&_P!;-9VU!LNPGT>.&FR0L\9G!.0<D7O[D[.V-F,V['16J/.*
MB;HV%SRTVN\%2R14UD[U%>M3F66F_?7;EE+ZTZC1*:>4U=V8GVDDXR!J!TX1
MFB[*1.%Y9CK2W8:XO,3P>AG>2)[J539IL;I+-VI(M+4'P9N78QL1WJ<?)+6]
M"J)5KC52E!=82093TGJ[/QQK$S_B'(T3Q?K'?6E<X](2:./K[BN/L3RW*9',
MV+!D3;8@Z+*(8Z4U0J(9,RW5YMXBF4R:R-2:&E*S%2E/*;[!2*5AW3K9]GT4
M]J%O;IT%\6DO/DUCLAB*N`!'O45ZE0/LA,NMH<,W$6QH`+1ME1[L61>]I?W4
MQ\3R\8[J8]97NB"H`\DK6CXXNK'ZR^=OE2E0X>B-(1I``&_=H8\3/2QW@\5]
MQK0/79PM[/!DYW=TJAVY`&-R7S]N[&_G%Q`Z,;``$7]0?I^,]1N7HR4#9'<`
M`7);)/Z0'P5?.0(Y?Y4Q[KD1)5__T]_@!YH_\0)Y735K\`WV9<,#F=5K.,*;
M!CH`;O'\/MG*68ST$JV%A;HZK1J\ZY$=S#'=(Y'J;5)[/"T=]EEZ-W0%4(H4
M@LK2E;*W;ZMWWVYN4I;'9%UM9ZO-ENFV^D=%X?A;9'_N6$_DU]_604^NWK*7
MV7=(/"VR/_<L)_)K[^L@?7;UD^R[I#HO->4'_)](RO?T;.C.:ZO21/:SIUJ<
MN\LZC0==<=1:X.%UU]+J>96VMM-S^0=6VQ;6C+KINI5T0.G(`Z7SU[!D7ML:
M^T\B&;B'XT`%BFS#\9%=WM)1VUC0GDX^[NSDV#Q!8`>5AM4_*1ZW_K+Y8[JW
M`<SJO;QA`,8T`>@AL:<FXD,V2NEK&.4L:(\C,Y)F87-2SR./1F3QM0K+U,9?
M=6Q5<U2*JA*8K;CZV&%&7$[XHVVEUE:5I2HK;9-UL35YK[XMOF%K)F=L%&O\
M;E1N($YLHAK6H8XA)#(O#[W^*LBLLLE4SQMXNOJXL;6I**LM,3I3"B;[;:4K
M;6E*#KZIZN?LC]B[.V"G0QG.<\0)W$Z/2<^;L!JZ+P]68QS-4>I4JI<SWJ+S
M+FR3J5*PXPQ>36Q7?>;?=4RM;KJU?5/4^R/VCOJ3R`VY)?HO(FI$N0);&`]N
MJ0X<7H?4U,ZK#;[Z<6./+X.ZBBFY]]N[M*^8*66^-83NGRFL(W#MR`(]ZBO4
MJ!]D)EUM#AFXBV-`!:-LJ/=BR+WM+^ZF/B>7C'=3'K*]T05`'DE:T?'%U8_6
M7SM\J4J'#T1I"-(``W[M#'B9Z6.\'BON-:!Z[.%O9X,G.[NE4.W(`QN2^?MW
M8W\XN('1C8``B_J#]/QGJ-R]&2@;([@`"Y+9)_2`^"KYR!'+_*F/=<B)*O_4
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__5
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__6
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__7
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__0
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__1
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__2
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__3
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__4
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__5
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__6
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__7
MW^`'FC_Q`GE=-6OP#?9EPP.9U6LXPIL&.@!N);#KQ(Z]^"?=91D>G%QGN\F?
MG[+AA5$`<-)/2#7U6Z^@M(&S$``!TOGKV#(O;8U]IY$,W$/QH`+%-F'XR*[O
M:2CMK&A/)Q]W=G)L'B"P`\K#:I^4CUO_`%E\L=U;@.9U7MXP@&,:`-X#9(^3
MHTS]0Y<^T'EL>K%PAXLW^EWYLL8%$P!\$M]3HW^`=.OAD:R,&&@`CWJ*]2H'
MV0F76T.&;B+8T`%HVRH]V+(O>TO[J8^)Y>,=U,>LKW1!4`>25K1\<75C]9?.
MWRI2H</1&D(T@`#?NT,>)GI8[P>*^XUH'KLX6]G@R<[NZ50[<@#&Y+Y^W=C?
MSBX@=&-@`"+^H/T_&>HW+T9*!LCN``+DMDG](#X*OG($<O\`*F/=<B)*O__0
MW8?#1T=?M8Z:/CVQ;^M0-I/1YW&W4FD.R'M4=4DP@$LC,YB3QT(\DRF'OS7)
MHXZ<GZ<\1-:_DY[952UL6\2<T1R<[@C;N#/)O+NW+[+J4YG56WC"I(8Z`&V1
ML9<S8?@FCBK%-\KXUAKWTKSA;R/*IU%X\Z\34(XY:G5\GN[HC5\6/N*NI89O
M-[=6VNY6NY4>C%,1;-9W>7-$S?Z1.BV+PF=-_P"T%A'XUX'Z_"M8ZPCXW?&3
MPF=-_P"T%A'XUX'Z_!6.L'C=\9<3(-2VG(U$VVEY_P`)F76*G.M]MF58+?6V
MEY+72RMU+7ZM;:75LKN;OW=RO\PSRM^4-\;J<98IX1^GCW^L,?&C!_7P/*WY
M0SQN^,GA'Z>/?ZPQ\:,']?`\K?E!XW?&74&;M06!7"%I$Z#-V(5Q]LH;3KB4
M>288I-H58U/]EYM2R7J^^A=MYMM*W;FY2MU*?RT#RMKR@\;OC**731AWWV<:
M?IW%O74/*WY0>-WQDZ:,.^^SC3].XMZZAY6_*#QN^,I];.#49I[BVH-:YR?.
M^&HXVW8[DB6UP?LGPAH0U4FN<=O*3T5N#XG(J>985=6VS?;ZM+:UI3S*CC),
M3;Z3&KNRVZ+O6V5[OAHZ.OVL=-'Q[8M_6H16I/0\-'1U^UCIH^/;%OZU`4GH
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M:U:=>VN;:OR5)E:%Q;ER0PU*M0K4IMAA)Q=]Q9A=U+K:UI6E1PO&D([@`#>0
MT7:@\",.D;30R/F;\0LSRTX.QFWNC2[9*AC<YMJ])$FLA4A<$"QZ)5(UB8ZR
MMAA1EEM]EU*TK2E:#U63'C;ZO%?;=YW?^9U2:\)G3?\`M!81^->!^OP[K'6'
M'C=\9/"9TW_M!81^->!^OP5CK!XW?&6/R+4IIS-.;ZE9^PH92UNWMU2\J06^
MEMW'U]V]NK:^UW+M[=2NY_-6@SRM^4-\;O3_`,RQ[PC]/'O]88^-&#^O@>5O
MRAGC=\9/"/T\>_UACXT8/Z^!Y6_*#QN^,HW9VSU@QQ71VYOS1B=?:4D<*&W(
M\BP]50NMQR:MM#*D/%]+*W4MKN;NYN[@>5ORAOC=3C+H3IHP[[[.-/T[BWKJ
M'E;\H9XW?&3IHP[[[.-/T[BWKJ'E;\H/&[XRMLV6NIW37$.G3G;J%P=%^4>C
M+D_G%EF!,G'N*=(7&N)\I/Z;C/%N,E\)O-]O.$MW=S?4W9Y)B:4E3'$Q6L2M
MK\-'1U^UCIH^/;%OZU"2M)Z/_]'?X```````````````````````````````
M````````````````````````````!__2W^``````!P\@<5[0PO+JU,#C*G-M
M:UZYNC#.I9D3K(5J1*:>E96U9(G1D8$JYS/LM)*,6K$J6R^^E332[*774",;
M!J><)'I*ANJQJQ4^.B1]A46R/(\<L3O8\RICABX]&HFJJ/W$-!59N^0R-WJW
M`AM((3*7FJ3BR;>J#BK+C:>M*L=;=>&$*00[+DM=#HIB.12R1,V&9D0WR29K
M<QPV'M:4^39=88I"8V^/;7BTAUL66I'DZV]`J:B$[I<<2D<$=312=-V?Y$U@
MZ=\3+I*AR)/5,7YJXW=<N+W);!\A'QYSQXQMZ-U>9!#I0AB:N-Y`Y+;EQ9QZ
M1A5N2XJRAE;B:<$;O!$3.COF+R1NE\?:I,T$O:=L>DEBU$3(XS)(:^6$&5NI
M91RB\O:6*3,JBN]W>!6)"#J6UI7>[E:5J8YX````````````!UGF">GXQQY(
M9T29CU,7'R4ZI8NRKD7HH@#<B,5D)U"V1SRD6F=S$F*M.I0NZC:IJ:==87N6
M[_?4#I,W5<C1Z=,4ZGG7'S\SXVF*2'2')1CBXI2'+#^/98COH?DUR(XK4J0P
MB+."E$K=%5EZ.J6,G'O%UN\2WIKC:>LPX]EUNX@)BT$E63E"[$Z?+*A[=\7M
M;ZUR9Y>7C%Z:2-\?BV5)HE8HTJ*Q5&YD2]-ZXJK\8D*0)G`FQ8<2JM4ITPI+
M+IOK#T]8V69";IW,WF,..+T3&Y2U`Z8URD4NN:Y'+F2!M#M$TED*,49#:3Y=
M)6Y$8JCUKHG3F+T]QUY=AQ=]PI*0[*[)7]F:7U"4YD(GIL0.R,AZ97F-O)*5
MQ2E+$Y3M'9$@:I`P.99)U*'HER5,L2FTN*.*+,MNLH8Y,````````````!%S
M53J-/TW,&,WDJ/1-V)R'D\S'BZ09"GSCC''./4"?%N4,G*)E/)LUP#)2EE8[
MNC6C03?5LJ3<Y.R6TPXFRMUP-B*O[9?U,L6!X5CK*62VQO3XDD5B<C(V4(I(
M393$L6JWEBL7Q)W/.*86]?*8!+)%N,B5X((3'4<'!LWR+@EAIB01%>[XF'5O
MCDA3C")Y9M6X>RYE!IB+TDQ2^(WU^=8>3DA^=V#&K/D23,3`=#H1*9@Y-)C<
MG1."T@M0_%'MR$]<83:8:*=-'Z?M:>G.,&2%(^R^3M[Q%YC!($[18S$6939M
M649/72%LQVC:8*GQ^=,9$AFKI$W-*VKVY"J;U:IO4$EGW&%7VT%)2C(.L4$D
MGET-ML/*+.LM/(.3'6V&64OMH<F4EE*$YM*7??6&6VWV5\RZE*TK0&/Z@```
M``#_T]_@```````$==(W1MX,N#^A[G-T7='4>YB<\N*<ZN;?%*<G<O\`$?Q/
ME/@?/.#^\W?N`V=5>TS\#'P2MGKQ?I%Y"Z%('X*/#]!'2CT3="42Y3YY]/W^
MAON?\C\L\;_&.6.*\D_CW%QC?6LNE,U_N[NF//O.[IKY=Y`RYSCYI=%?$^3^
M@6`])7-K??ZM\F=&W-KD7G/_`&)ON#YN?B/'0;ZT7_#7``````````````Z=
MSISJZ/U?,KIBYP\H(.*=!?0QT@<%OC..\4Z?_P#2[D_B>_X?CW]-N;G%?QK@
M@'02#P?/W>S_`,C\]O!M\&6?\K;S?])'1]S&D'/?=Y9_H^?G%>/[[A/Q;E'=
MWO\`0[T&^M?VZCU$^"KTE:7N>/+_`$B<P#>:G$^@WW%>7\=\K](?3C_8?)G+
MG)W`<W/\:>J'(W]'Q\8V*^J)J3P`.EK+^YTZ\[>?<OYP[WHNW_&OW@6#.7.%
MY)_U`XMX5?$^+<]?\1<WN/\`!?V9R,!Z^B^T:Y`````````````$?M27.3H_
M3\VNGKA.7*<M>#MT-\^.;G($@Y7X_P!-7]C<W.!W-_R/_B3CW%>3_O\`?@V'
M4$\\&CP$(SR?R[X*O15A/F'S"X7E?HPX>"=%G(?./\:XMQ#DO?<<_&.*[[?_
M`-(!ZU_;!\M>#/X;^/N5N5NGKFMBOG#R?T(<W^:_/;(/0KSEZ4_\><K<_.6>
M*='O]O;W@N5/[.XL!ZT_2%.EWP`.=+=T:=.O+W/;17R5SBZ+N'XOSIU5>#?S
DCYD?C_&>4.>7.;G5_J)PG%><']H\,,;-=U]PUR``````#__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>g655598g29r80.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g29r80.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0LP4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````+0```&0````&`&<`,@`Y
M`'(`.``P`````0`````````````````````````!``````````````!D````
M+0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````")0````!````9````"T`
M``$L```TO```"'@`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``M`&0#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U59W5NM4=,%=?IOR<S(D8V'2)L>1])W_!U,_PEK_H*QU'/HZ=A79N
M08JI;N(')/#&-_EV/]C%2Z'TZ^OU.J=1`/5,V#;W%-?-6%5^[73_`(3_`$ER
M2FE?USZR=/H.?U/IM+,&N#>VF[?=6TF-T%K:K=G\AZMYOUN^KF#?]GR<UHN'
M+&-?:1W]_H,LV?VE5^N%[LJBGZO8Q_7.K.#">?3I819D7O\`[+=O\M7<?&Z-
M]6.E.<-N/CTC=;<[Z;W?O/=]*VVS_P`X24W*.HX.1@CJ%-S7XA8;/6'T=K9W
MN_L;?<N?Q.G7_6B.I=8+V=,>9P>F-)8US/S,G,+-KK'V_397^8JK6V5_4K.=
M9^KY'5W9-^-BF`Z+RY]>-57^=OI_,;^^NJZ=93;T_&LH@TOJ8ZN.-I:-J2EL
M#IF!TVHTX-+<>LG<6,F)/=6D#.M93A9%UAVLKJ>]SO`-:7.*ATJZZ_I>'=>(
MNMHJ?8#SN<QKG_\`224VDDEA_M[)S.I'&Z72RS"Q7QG]0M=MJ;MUMJQ]O\[:
MQOTO\'6DIW%1ZMUKI_2*6VYMFTO.VJIHW6/=^[54WW/0^L];IZ9CUN:PY.5D
MG9AXK/I6O/']6MO^$M_,5;I'1'8]SNL=7>W(ZM:"7V_X.AG_`''Q0[^;KK_.
ML_/24K_G!U#[-]J_8F9Z6Z-GZ/UML?SGV;U/4_ZVDJW[?R?5_;.T_L'U/LVZ
M#.S_`,LX_P!!Z_Z'_B/TR22G_]#J?K#U;'L^LO3>E6-=;11;79=6P`EU]FYN
M$Q^K?90T69=G_6U5-_7^A]5KH939EV9UF1+[KQ]GM`WY-%[/4+GX=F-3[+Z=
MGIV5UH'U+Q;NL=?SOK)>"<=EM@Q)[O?[-W_6,5K*O^N+H/K9T+(ZUBXM.,\5
M/JR`;7R6GT'M?1DM9'YSJ[$E-7ZH867E4W?6#J5F_J'406TO;]&O'!_1,H8[
MZ+'N_3?]M_\`"*MF_4C/M-68[JS\W,Q3ZE;,UH?CDC\UU.[]%_76QG_\XL6U
MK>CT8MV$VMK&TV.=6]CFR/:YH+'5[-BSLOI7UNZS195U#+IZ?C.:?U?#W&Q^
MA_1W9%GT6_O^FDI)]5Z[>KO_`.<W4:P,BX>G@U3N;32WV/=5_P`)D6>INL_T
M2LGIO6>EN=^Q'TW83B7#`R99Z9<=SQBY->[;6YW^!MKV5JKT7ZR=$P.BX6)D
MWBG+QJ64W8FUSKA96W9:WT&-=9]-O[JK=?Z]UMW2<G-HI?TKI]3?Y^X1E6%Q
M;76RC'_[2[WO_G[?TC/YSTTE.=]8OK9U#*N'U=?TXMONL8W+KQ[A>YU4[[**
MC6QGIOM8/?ZG\W6N^:`&@-&T``!O@/#1>7=&Z=F9?2;</H6,ZW(RVSU'JMWZ
M-I:?IX.&]X<YV[Z-UGY_^8NIS\+ZYY>/3BXEE'3*Z*0\OJL<][K6%WHXWJ.`
M=Z>UM7K/V_\`;R2F_P#6/*R['XW1,!QJR>I%PLR!_@J*X.3:W_A7;O2J6/U[
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M.-U55+@R]SCNLNR>H5&^_(]7\_TO28DIZO\`;>-^P_4^QM]+U?L'V;>ST9W?
M9_Z1_-?9O\'OVI*[ZO0OV'ZGZ']C^EX#TO3_`*D?ZO224__1]0QL7&Q*6T8M
M3**6SMKK`:T2=SH:W^4BI))*4DDDDICM;NWP-QT+HUA-;55=6:KF-LK=])CP
M'-/?5KE-))2S6M:T-:`UHT`&@`3I))*<[ZP]0LZ=T;*RJ?Y]K-E`_P"%L(II
M_P#!'M6-]6L"O)?18WW].Z2#5B..HORC_3NHZ_3;ZCK*\?\`Z[8H_P",@$]%
MQ_4+VXGVNO[6:P"_TX?]`.+6_3_Z:Z+IGV']GX_[.V_8O3;]GV<;(]O^KDE-
MI,0"(/"=))2VUNW;`VQ$=H23I)*?_]DX0DE-!"$``````%4````!`0````\`
M00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(
M``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#
M`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`+0!D`P$1``(1`0,1`?_=``0`
M#?_$`($```("`@,!``````````````@)``<&"@($!0,!`0$!`0``````````
M```````!`@,0```&`@`%!`$$`@(#``````(#!`4&!P$(`!$3%`D2%187&"$B
M(R0T)3$9)B<*$0$!``("`@("`P$``````````1$A,0)!46$2<8'!(C)"_]H`
M#`,!``(1`Q$`/P#?XX`.=L]T()JNFB4;!%9E=%]VF<O04OKE5#>![LVR%[<3
MDYR<@IQ"PCBD#CA/\[Q('$1:!N3!$+^4W`"!EDS^`/SG=[R0ZY0=9L3M1I32
M,=USB_9NMI-%4[$'36\:OB#BZ)6XY^-;G"*M<"GBJ+X6`,6)6QP+RK!@0B1@
MQC/*;7'6ZEV(NZ?+?XZM?9J.N;.V=BR2=$$Y/7Q:&1:Q[7=V?T(Q.!J=_351
M#)MF/."=`#)QJ9=E.H**_<,`<9QGBY2=;?`M87L/2=BTB1LA";(C<CHU1$GJ
M=!LA`I.RP$Q:-D+U$B<UF3B"EK>)@"U*@KDYY):E(<G,*-+`8`0,#%SCR3_5
M&NDV\MN$.TVZCC-X_I_(E9KMJWH^R/KW#(_):])4C^+W7L8XQ]>V/<TDD^2!
M`Y-K,$TIO;6\PK.!GEJ3@#G+6?KJ<FYT/K11&L$74PJ@*SCU5Q)8XJ7=5'HM
MA:G:U#HL"0!0X&I5"Q2`:LP"8`?7G]P0XSC'+&1<ZS;;RO/@B<!.`G`"OM=N
M?KYI?#6R7WI,A-2F3.(62!P..MZB46;9+\(Y*1[+`((U8-?)&K).7$!/,+`%
M(DZY>5!Q6#`9$62W@,WY_P"P/UI]O?\`5_N?\1^3=C\8ZE-?=WQ'V[N?EGTG
M]C_+^][_`/J^T_Y7/^3U>C]>)^EQ./L__]#>2V&O:!ZS4M8EZ64L-21"NH\H
M>EI"4&#G1[<##"D$?BK"E_3*Z22Z0+$K8VI\?J>N5E`_3U<\"3.@MZ.ZYS6.
M?+-L=F4*1;N-L@G2.LY`(SW!)1=:A-$O@.LM?'G`#[9%:[;SP9=ADX"-ZD0U
M2U28?GHC"6WQ.`Y>8&:N5K0>L_&G53@4&]M\I.WQ<]6!.%R+K&@X4\MTMN"U
M)"B`H+,`W$,;(8@2$F=/+B(Q4!.9@Y/G(95Z^_$$]`ZUTS\3>K#PX)LQRIZK
M@+,%XL"Q'\:=1-K'DA:;D<]2=YR7AYG$_E:_&0)$1.!C,4'!2HDY9>"R0WA-
M]J4VV-S_`!CPJ;6.$G-)J6TO(`\[;W93%$KO;T4M,2;#/[W(HC3%?0PM8%Q>
M'.05Q@M4)O0@4'H$[F:,T&`D&8#/#7_4^#^M=I!$I90%'R>`G(3X/(*BKAXB
M!K8$@#?F-.$/9U+(%&6F$).2G+;C"PA`#/I!C'IQ_P`<5F\UZEVRAGA%,6[-
M)"O`U,$0K"?2A\=#!],MM9V"*.SJYKS!\P^@"-$D&9G//'+`>!.8Q75>62V>
MZPZXSJ?$J$\ZFE#5!+)HG5B`-41+9'7T>>)&2I&7G)8U!3PL."/(?VY%C/+]
M.!>:OG@A6@=]+)NC9)RJO4FM(A*M?J,EXFG;;<&TY$KC]/Q3+"$M?-Z]IX;8
M(`["L*.M6#0KEHCRV=G5X`%7_`8%1Q&L8F^5Y[E;K0_5&O(DXM,?<;ANFZ'=
M/"]:Z+AIY(Y5<L\=$Y9S>G1GYP84R0MH)4E*GI\/#V;8B%@6?6<:02;4DRIG
M4721=6\L?=U-T9)'+7W=FC,K426>'CR"M]<X,).<H!4%$H'4X:&)0V*-QIQ2
MUYS@+BZC-5''G]-2=@R+;XG"B_S\LOY/^<7MBW_K5^?_`(_>[]BX^Z?!N[[/
M\Z/;NCW?U;]K?^/<O1U?BO\`N>EZ?V<#'CR__]%]/D'VQ@4B\D^D6HDE9I).
MJ\J^VJQL*R87#DB)X5RG86T1/35K'&Y"B4NK64DB]6M;>[6"]"5=5*-*E0Y]
M&3<%!'&Y-6J/5SS?O0;:F)5\PUS9%[2K9:?[3%JY);VRS+^,MOMC8FF=U5A:
M$?.E[R]R/6^94E6B(QLE,=3-[>T/+*T8`B$I4!1*<#5@K?$-3-M6S$+)\CVT
M4K)D6SVW")W8*YDS(F,!'ZBUL9W-83`8_5#"^D'A8HU)W@@<A(+4!-&M0B;S
MEF!+!KC#T3MK4X4C=7A&OB4J81>+IY!IQLG?%)O)TYAD8W'B*"::QO2]L+/4
MI&5SKM*\F@@S>K'@'=N2<3B('3P9A/@009+87[3C&A%^,*/27=%U,\K.S,*9
MD-F6$WFP75:#=Z&1L.OU)1HE9&I*[PA0I))Z$LN";">U*UV$5E8<QY3$D'`1
MJ321I[.VOZQ<9^N.Y>I#@[@T0D=,V+KXXO#M(T>HNP`Y%#L5@N?G-8^2%NH*
MZ(>A?#V2*.STN-/31U_:5C:T9-,`C4DD9+3EDS+SR2CY$_+%L%;4N0>,E\TN
M<&JQI[/X&T7_``RAM@V&_)9+JE+?27Z553"'"'PI@%$)3/(\VEA<3G<LL]H9
MSS@J$?H4!5%,^&IUG^LMO)K3)438W(T+:4S(DB%(F1M!!*1.2U)2$Y92=M)3
MMXS$!!2$H&"@@($(D.`\@9R'&,\5S+'\C%G6S)GBC]#->'QQA%N;D*YBGEEO
M-X3BU-(:Y5VC:EMSSQE5`#D)<Z=T+VE8V#',&0+7`1H3DYQ9!N(U/=\%P[V;
M1ZTZ]:[OGB_U'6)XU7-;5WF-;;6C#<%N\;UHU_5&+4UA,CE)21"0239^]EIB
MA@;&H\SO%T@?AF*S"5(^>'PLES]JPC6G<W4:JI@OW^W9MR&NFU=M1E!!=7-1
MZA5FW9.]7]>"^HD@U0QZ)04]^)C]I6.C/+6O:EW&V'=51VN<I##%R80LO$X8
M7<.X>TWDPNM7K!^-=\Q*@(^H:W:SM6*O<6%AO2QV12'+BTQW<&ZY!(8M7FK-
M?2=O*R-3%2EJV6+<8RF$G,`>G6$.5DG69SLU_P#-NMOP<^2?C2Q?#_MO\'_I
M;[!KKZ/]P^2?3O:?;W0^"?27=?ZKW/L.7<?T^T]?!G%SR__29!X6ZREV[._&
MUGE`L%$K.JQCMVVD^NQCL0>6<Y3"?E(8MAS1C,-SE4DJRB&EO8`^LOHX-=L=
M$763J,!D]NG;4G4X'RR:+6)O;5U$0FKI,BA;U#=A&%VGLF&_.$<>2Z!FL(G5
M7WBR1I<WH%_=.SW$YF'`D1^"TZY*2<0,6?7@`U9ZW&6=7R#R)5#*&)LTHJK5
M&Q]?&BM8?$V.L[#E4PK&;P201E2Y-QOLCFU-SA%G:%J(L-M)(3FC(4)1H18!
MCEG^6I,>>0:6KJKY=-XH3+(=LG?U(ZE5$]1][(,IO44,K>['L()Z!>4BA]DW
M%-LA2L+,Y'*`D..64"E`O1<RCT8L#'Q-KGK.)MD&F/DBTEUYTNUFI>T+7;X'
M=M/TO!*CL;7TF,S&17>Q6G6D40QJ>LBFJ(K'7J;"7J)&S*U03,(LD&$F=?J=
M+F/`LMMOA2V_F^&Z[CJE<UZP"M)IHMK##8V45]JVLA3(]OK=>)4[,L3B<5J>
MI,97$4*AD#^_%D*9/(1JG=N0&"7(D)1Z?&!%DF9YI*6FFO%QW-J?-Z7\?=*2
M2>69?+":IW(\@-O&K*PB;O'EQY:J3:L:X2B2M3F].B1[&>)#(GKH@4.1XE0E
M:;LC41R6-6XNZ?;>])^9RYJ]K*I*>EE':516M:=:Y0I?ZYLR96%-99;,+6R!
M-7-)BF3VTMKD7"AM#"PBD;@J1&)U0UJD`QNR?!B0=VQ+UF^6&6/X_/(%Y);$
MJVR=V)O6VDT0J($C1Q*#ZFO3O)=A'%NF*="CFC;(;P4K`L,=;'TIJ3],EO`Y
MHQE`Y'HNJ'JB+F3C9:;1XZM$ZMN#8^PX[&[:NK435][04FR5%-K$<G,6ZGD0
MDIQT=C]41$J+-T<2JFBL'5[2,YYW:&'9?5Z@TTTYM1*RN(N;B>_X$=H75._>
MO50.<)US\3E<U1?TW<9U)K`VTOZPZP@[7%Y1-USME-%Z_KF--LALO-90=L$D
M2LJ!.ORW@"F,-.3!&M,$._I+BW?;03-:+`4:[15SU?\`*S.]J]1*R8I/)%UC
M0*L=?Y<T5_LY)Y(]*'256/=6X<#=+0MJWBIX6H$G="&/V)J,1$E$E*3"`9*`
M_*W>^NVU+\FT6_"#Y+_Z4_`KZMZW3]A;/IKZQZG;=I\;]M[?H^X_Q=IVO>^Y
M?LZ?=?IQ6-Y^7__3WP*XK*NJ>A[77U4P:)UO!60:\QGA\(8&R,QML,=7!4[.
M1B%F9TR1`F&O=%IR@[(`8R8<:(8N><YSP&<<!.`G`=$#6V%N!SL6W(0.JA.!
M(>Y@2)PN!Z4L6!EICEH2\*3$X!AQG`!"R'&<<^7`>=*8G%IPPN$5FL:8)A&'
M<!);M&Y2S-T@87,M.I)6IRW!G=DRMO6@(6)BS08,+%@)I818Y"#C.`]1`@0M
M2)(VM:)(VMR!.4D0MZ!,2C1(DI`,%D)DB5.`LA.G)+#@(``#@(<8Y8QRX#M\
M`&7D)OV0:RZ:WS;T+P`VQ6J(`C%5)A`)/&JMBQ79MKVM"R41^<%N(R9K*$1P
MD^>6#2RA8%D(?4+!9,V%J^-:AV"U7>JY(V&>_:H:$)GVL==7)4$Y:@V+VW<`
M+2-H]RU*EPP;\A:2)J[N[1$5GK4%=TJ=5Q`RAY*"7(UVN,^Z?OQ6'`PLLXLP
MDXL!I1H!%FE&!",LPL8<A&68`6,A&`8<YQG&<9QG&>`^/9(^S]N[1+[?VO9=
MAT"NS[/I=#M.U]'0[7H?LZ?I]'H_3ERX#__4W^.`G`3@)P$X"<!.`G`:^?\`
M]'Y1YVF--%R-=,6ZCA[<5*'8-97;6U/,Y3UOEFFWI.CK:^/#"U+%P)!A)VQ1
MRH@`G+*3UF!+P9SE;Z<WV<WK-]'?CY37XT?'_H'ZZBWU)\8ZWL_PCVM/[+TN
?Z_V/>]O_`)G>?W^\ZO=?V.KQ6;G.^5X\$3@)P'__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>g655598g29y49.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g29y49.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0J64&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````*````((````&`&<`,@`Y
M`'D`-``Y`````0`````````````````````````!``````````````""````
M*``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!_D````!````<````"(`
M``%0```LH```!]T`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``B`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5))>=_6/ZT]?ZK=5A_5MWI8^5>['Q+*B/7RC5N^UY-%COT>-T_%L
M9Z;\C_"_X/\`PB2GOLO+QL+%MR\NQM./0TOLL=P`%QN-];<KZT]7MZ5T;,;T
MK&8POJR74FW)O#2W?9CUVC[-B4^[_M3ORO\`@:_\#SGUF^KF?CCIF-F=4LZS
M]8,FTM9@.=O8*X]7=7Z^SVMMK]]F3L^T?N5^BNF_Q;=*P6X=_6',CJUUMM.6
MPL]/[.6O]V'51#?0;_-V/;_Z224P^L71^K_5WI=G6NE==SK+,%NZW'SK!D5W
M#<T;-MC?T5CO^#;_`-M_SB/G_P",,,QC=TGI]G5/L]+;^H6U.VX]`+?4LI=E
M;7>ID5M^FQE?Z+_"?S=M2S.O=8R/KMU(?5GH#FGI]1%N=GG5CA6?9Z8'\YCL
MOV>G_P!RLC^:_5J'W6`HR,S*Q:/\7-V$VC)KN;5GWTQZ+L&LC*LRZS]-F5F>
MS=OK_G;O6_G?T5*4^B8.77G86/FU`MKR:F7,:Z-P;8T6-#HGW>Y'3-:&M#6B
M`!`'D$Z2E))))*4DDDDI22222G__T.T^O61<WHC>GX]IHOZQDT=.KN:)V>N_
M;<YW\G[,VYBYWZPU-=UKI>!]3AOZST6M]-A8`:::"S:VK+ML;]G]1_YC/YS^
M<_X-;OU_Z'U7K?1Z\;I88;Z+QD>]YK<=C+&-;2[:YOJ;K?SWU*M]6_K-]4^F
M85/27M_8.56W]+A9C32XO`BRXWV?HLCU?3]M_J[[4E/+/R^AX5?379;K<;ZR
M8W4Z,OK#\RMWVAX!]+*]/*8WT?L#*[?4HJ9;Z7V7_A5=ZSFLZ,WZYXV,9MR\
MG'9+W00,RAK[W5[=KG>GON]/_1_HUM_7?J'U)S.CNKZIG4N>T.=B.H<VRYM@
M'^!;67?3]K+&6?H;/\*N*S/J;]8A]7<;J-E%N1?DV.MR<;9ZF14TL]*BQ[G;
M\JS=6W]-C[_T7Z/]&DIZS_%/=@'HN513`S*\@NRA$':X`8CA_P`%Z->S_C&7
M*ST.IUW^,7ZPY>T!M%&-03)F7M:_1OT=KO07,]$^L3;_`*QU]>S+<;H]73\1
MN)U5SR`_)<`8#,5K*[?6WU5_HF,L^S,H]/\`2?S:/T[.^L.%U6[ZZLZ?D9?3
MNK66U/QF@^LS':6?8LGT&_2W-K<VO?5]#_"_K'J)*?3URG5OK]CXUN33TC!O
MZR["!.7=C@C'J<WZ5=N5M>W>UFY[O399_P"?/3&RGZT_6HL_:-=GU<Z0V'/Q
MZ;9S,@Z^VR]K:_L>/]'U*O3];_T7T^!T_"Z;B5X6#2W'QJ1%=3!`'<_UG._/
M>DI!T/K&+USI5'4\4%M5X/L=])KFDUV5NC]RQKFJ^N`PNJ4?4/JW4NG=5%E?
M1\VPYG2K6,=8TO?_`$C";Z33MLW;/3K]C&?]>5EG2NN_7*QV7UA^5T3HX;MP
MNG4O].^PGG*SG:[?^#QGU_\`I3)2GMDEP?3>L=8^IV>SH_UHN=E=,R7$8'5G
M%SMIG^:RGV;K/=]/](]_V;_2W8O]'UNL_7;%Q\EO2^B5'K/6;A->-00:V`D#
MU<O)^A56V?\`TKZ&_P!1)3TKG!H+G$!H$DG0`!9G3OK+T;JF=;A=-O\`M;Z&
M[K+JFN=0./:,L#[/8_W?X.Q9&/\`5#-ZK&3]<,LY[W@$=,H+JL.H@E\.KK?N
MR[&?Z:[_`,$73T8]&-4VC'K932R=M=;0UHD[CM8R&_224__1]563]9_^2;/^
M3_I5_P#*O]&^FW^<_E_Z'_AE\UI)*?>?JC_3[_\`Q.?S7_>/_/?2;_/_`/`?
M^C5V*^54DE/OG4?_`!4L_P#$_P#SM?\`2?\`E'AGT/\`A_\`N/\`];77+Y52
M24_522^54DE/U/9PWZ/TA]+X_F_R_P!U37RJDDI^COKG_P`@W?\`)_TF?\J_
MT;Z7YW_"_P"B57ZA?\EW?\E?S[O^1OYKZ+?Y_P#X?_T3Z2^>TDE/U4DOE5))
M3__9`#A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``
M(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$``
M```!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P/_P``1"``H`((#`1$``A$!`Q$!_]T`!``1_\0`=0```P$!`0$!````````
M``````D*"`8'!0L!`0$!`0`````````````````!`@,0``$$`P`"`@("`@,`
M``````0"`P4&`0<(``D2$Q$4%0H6%V$C)!$!`0`"`@(#`0$!``````````$1
M`B$Q01)1<2(R85+_V@`,`P$``A$#$0`_`+^/`/`/`79[!O9MS9ZZ]>O6+:E@
M$LVRY$<-VC:)K$U$_P"R[BD\DL5B7S%/O+?KU+&<CB?V9HMK`:%#J8:^\M30
MSC*S6U@G6FM/93[*JCK;?5P[TI?*//\`;H=NQ06K.$2XRVV1PZ.F)*+RU9-]
MN''K,EW8PDL>3"&-,B0)$1A#D;@L=Y2)RU^9QCEG78%W]@'J.[`YB!VCU_:N
MQN*>H=TM:K=A-MYA7-K5&6L0L/!@R$A;)>+.D0FJL9,M2+>8R2'BI)H$A!(0
M;I#;J71,;2\<M@=B^_[CSE#9DUJ>'KNRN@K)0IX6&V_+:F`B'J3K!UPA(94;
M*6^8D0XZ8M0I[F!\@B84,@IMX9\Q@IE3&64FMIU-$NE?V12*;L2I%.G56^U6
MO72LG/BD`O&5^TQ`<Y#%/!%MLEAND1QS:U-.H2XWG/Q5C&<9QY675>`>`>`>
M`>`>`>`>`>!__]"_CP%@^Q?VE:?]?4/'U\NK6;=?0=LJ<]=*'H6A)>S.&U.M
M,2)4W>KK+C1TTJCZ]BA(20<=DEA&.+1'E*9'<;%*<'F6IK;]$`<_^S7WL>S2
M-VI!\LZDTGK^EOPDY%KVV+5+%5XVBF_H9?8A*ALBZ7&:AY+8YK3:1V<)!,R$
MZ8@EY`37UDLLVM776=D`:QI.YO97TQ!Z4M<S;[YV5N?:28]W<>SMFCN5:`H5
M%I5HD[I#RU:=KY!A14''P*SA7`I5MM`\=^B(`ZZ0A6(WQ)GP_2,XXY<UWPAR
MYKSGJH3Y,A5-6P<J7-72S9CXI^:EY21D;1<+7*H8RU'0X1,K($.H:RXY@,-*
M&W'GE-J>7IQMS<HO_=1V7+>T3>P-%Y*H^Q-M\Y<1UNYW*_WS7L/+R`DZ[*24
M&+>MD(4*@R.&I%:BZXP)!R18R5KRY(%(^8;R<^9O+IK/7ONF![YO'%?1W#G'
MWKE]7QD'5YCN/9%$A[F#!`QJ]D:^U_K9IBR[8NW3D57LO6J>N4:77!73/W'F
MV)@<`DEB0S'L,Y>OTG,MNWA6=4ZM`4:K5JE5.,9A:M3X"&JU:AQEO.#Q,!7X
MX:)AHQA9+KY"V0(X1MI.7%K7E*,?)6<_G/E<WW_`/`/`/`/`/`/`/`/`_]&Y
M[?>X:YSWI#;V]K<.6;6=.ZUNNRYJ-CG06927!I==D+`["PZI,H&/7-S7Z&!`
MD.O-H=*>;1E6/EX)S9$B'1O/G2.V/4]U+[-KM,I%Z1Z\.U_L"ZQ+XW\:Y0N%
M(JP+CJOI;63\Y%N3,!"V`61BK/,I'D&&+!#`C(4HE[[$GSPZ2SVD\1J_4?86
MP/972*/P_P"I:LS''/-U`U+$1G2'0EEK`(]@U%'6*+D8Z/U3J.+K4V(T9>IM
M\<Q]Z>:+&/+(P\8TZ)EE9!3OI,8YVYI1E,U\SK7TWZR[=U-K*I0O4O"/?LG'
ME[SB8Z,5+RM7>M4:XV=?62V0LW:$_P`WMU>B!ACD'OBL(3]*F&'BDXGAK.=L
M>+#*_P"SSW?;J!7-;\1:MN0D-_LZ$.O^_6X(Z18MBZ4T2J(I5$E"1EM@"52[
M&ID#9$3.5&%HBQ4K^L)YQ!MJ:3R=_P"KCU^T;U\\M576$?'-%;/MP,7<-Z6H
MUB%(E9K84E#!)EZ^W)Q;&<$4ZG$?:#$CY?(;;:PX]\UNDO.+L8VN:2]Z+N;]
M;`^R;VT;?KT#7&8K3.^]CZ2T^-'N+(&JM6MFY]FFF?X^QEMX!H7-=H,8$*8V
M]DA(:GV4YPR0[]DGEO:\:Q6)Y7,>!S];ME6N4=F8I]EK]KB4DOA*E*W,QT['
M),&^/[(F38LDH;!(_P`T_-OY?-'YQ^<8_/@=!X!X!X!X!X!X!X'_TJ2O["E@
MFZ]ZJ>@'(.5.B7)>;U+7Y-P`AP9PV$E]I50:5BGW&LI6L&2%_+3[?Y^+K2E(
M5^4J5C,O36G],?:]B^MO=_J.B@%N2?%/K(1!15:G8".?BI[?'5[])D89@G](
M]4(-':[U@+(PCPC2V7B$.$BN_:S)MN(P`[^EXUOSLUALGTV1>JYW_;WJUW1,
M\`[K$J>:U)Q$/'YV)I+:P,6'*/P$=L2E79ZQM#R:IM\7[)M0\Q^N.VZYB,(*
M=4]ECX3V\;<Q)AL_L'??/7+_`++/7#V=2+NUO?H+?-'W"%*YC:W%UR&O^=OU
M[9&Y+.6U&.14215=C,TN.)@':\$Y%/9>6XU]8^6_)\QTQ+=;.G*ET6Z^XKV6
MV+7:]H:JH%UEJ,92:M=G[+.WBF;'F>=M4,52#,K]DE(NJ6:THVS(4W^4P:N.
M9.&BRWBE!D.#98>=T_G58;Z7^YIKH/GNWZ0W]-@B]0\63TIIO="#[#'RDG9(
M.D.OPD/LL@EAQ63VEYB2(N2.PLA)$C&N%+=_]C>/+'/:8O'3$'];7=.J;:][
M`]=UB(4]>B.G)W=+U_9%!;`M^J;PMZ#H,0.4I]$V\JLS%=F#?J>'0PRB>3E"
MLN..I2B[SH\WLON/GOA+6/\`L[?-F)%;/D!(>I42KL!36RM@S19#3&(JD50B
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MMIRI2E9PE*<9SG/X\!,F]O=/IN!V)):$XSU1L?V!=!"QV"L5[GW`$GJR")26
M8,6+=-MB9FQ(G$:T$IUYX&.DA$Y6AIQ]IS*\-S+7KYMQ'1\ZZ9]IFW-JTS?O
M9?1U4T)0Z]*#3\)Q;SC`1\E%RD8:$N38A]T[:G&WYF2FXDPMF/D@HYR1BB4Q
MZG!'Q_V7%+<ENN,2&_>5E__3MIZLY2TSVAIN:T1OB'FYO7TY(Q$P2'`6F>J<
M@U+0).3(@Y)T"<'DQ()7_8D8M!(:W$H6ME2VVU)++BYA,-#YQ]M?J_ABM5<:
M`ZP[VY*"F93.K=5[:ML)KC>NI(>1?Q.DL*NIQ-`ILU&$SDH=AUE+IGRRVVZ*
M(#AUQC$YC6==N^*]NB_;3TN[6S"IKTZ>P("WH9D%1\'%U4"7K91#;2LQ;1EJ
M+"A)0%DQ_"4D.(AB%#(SE2$/YQ\<L_XGK/\`IF?6/"W97L![XUUVI[*>?=9<
M\ZWYQKT,'J+0D/8:9LN7V-,-%S-BAY"\V*M6"Q_L1=4LQZ#GAI+])+CK+`K4
M?AM9[SQ<R3$K$7>?]>3HBF[GV1UGZ]=G-"EJM4]MJKZJBYJ4USM>CV*0.>GC
M8C4%T@E`Q;S0)Q1&(=ITF)+%&2R-AXEW'VJ86;SJO.>)]-^P33'/UYT#RQZ\
MMW:_ZXZ:K]BCNCNT^H97-,KU3@39"5`;#U:])-Q3[+PD5,(/;>6Z5,N31#Y"
MA#VPQE,BV6YMX;;/_KU[>TE7^=]@<(=9M:!ZBUSJ\K7VY;G@>Q0]5VU(3DS*
M3\U96B85N8E@5,KF<QN`S0CA#(^+C'/@(4*MUYA/?.<S@Q3B_P!0E+T'L*,Z
M)Z=W/L?N3JF(CH4*K[:WQ,3=K'U<B+2>0MC6<9:INR&QZOY25?>'*+)(?"S\
M<B8%<4\MYA+MGB3$.+\K)3'MH]?-L[<UGJZZZ-M`5!ZQY:OB-L<]W,\HD,14
MP.Y%RDC42#6LNCQ*YN:J\,:)(.,/?IR$4QC.4#NDYS*UK<=]%^-\(>TKV>3\
M,%[4[;4>:N:J+(QJ3.;.<YT)PG>$O7369(&V662B;QLR,C8N3P:XUETF564,
MX&A0L2$ZI)OCF]KG77^>SI=W\#<G=`\X1G*-]T_6V=*5H2-8HM;JHR*N1KDN
M&;<;BIBA246AHJNS`J'W4K=;RK!C;[S127VGWD.5G-ESY3T:/M7=OHOW%/<S
MVK36]NX>"+1BP6G1]GU!3IJYW77;A!CQ6(AI@1A</72WS7OQ-P1#H@+Q)&9:
M-<QEPH<B=-\;\]5[1*:?]G'N4L;2.@&+IZ]?7#)YP:QJF$E0(?H?>574=8AA
M&;G'O)DY6&(/%0PHL.QA"0+2%"%"14JI."\N;])^=>N=CZ^:.3^>^0-?!ZTY
MXU;5-;UYL<!$P7"Q0;5DN)T>TZRS.WJS89Q-7">^+[F,%'O/+:0OZFOK92AM
+-9MM[:)\(/`__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>g655598g38l90.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g38l90.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0I24&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````*````%P````&`&<`,P`X
M`&P`.0`P`````0`````````````````````````!``````````````!<````
M*``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````![4````!````7````"@`
M``$4```K(```!YD`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``H`%P#`2(``A$!`Q$!_]T`!``&_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U55>H]3PNF8QR<RP5UR&L$%SWO/T*::F;K+KG_F55^]2SL[%Z?AW9
MV98*L?'8;+7GL`LCHW3LG/R&_6#K-9;E/$X&$_C$J=]'VG_M=<S^EW?^@_\`
M-UI*7_:GUIOK.5C=(KKQP-S:,J_9E/;S[:::KZ*7N;_@[\C_`(STUJ=,ZAC]
M3P*<['GTKVR&N$.:0=EE3V_FV56-=79_+5I8'U,#OV?FOU]&SJ6<_'\/3.1:
M!L'YK=X>DIWUD=1^L-=.2>G]-H?U/J8C=CTD!E0(EK\[)=^BQ6?UOT]G^"I3
M=9RLS(R6=%Z;8:+[F>KEY8`)Q\>=F]D^W[5DO:^O$W_Z*^__``"CT3.^JV,\
M=&Z1E8[KAN>:ZWA[WN'\]99;[O7R/]-[_524C/1>N=0._JW5+,9G;$Z8?18-
M(]^8]KLRW^Q]F_XM5^FLNZ=];'=)HS,C*PWX!R;J\JUU[J[1:VFGT[KM]S?6
MK];]'O\`\&MSJ74<3I>!?U#->*\;':7V._ZEK?WK'N]E;/SWK-^K6%DMKR.M
M=39Z74>J%MMM9_P-+1&)A_F_S%7\]_P_JI*=6_-Q,>ZBB^UM=N4XLQV$ZO<T
M>HYK/ZK&HZY/ZO9+?K']8<OK_ID8?3=V!TTF?>2=^7F-F/YYOHUL_P"#76)*
M4DDDDI__T.QZQ'6/K%B="T?AX36]0ZBW0AQ#BWI^,_\`KW,^T6,_<I72+G/J
MFYV1U#ZQ9UFMC^I.Q@?^#QJZ::1_TGKHTE(LDY`I=]F:UUWY@>2UO/YSFML_
MZA4ZQTWZN]'#;;?1P\1ONML,DEQW.<?W[;K7_09].Q_Z-3ZMUC"Z30VW)+G6
M6'9CX]8WW7/_`-%CTCW6/5#!Z7G=0RJ^J]>`#ZCNPNFM.ZK'/YM]WYN1U#:?
MY[^;Q_\`M/\`Z1)37JZ9D=?M?F=2I=@]-M+7-Z?]"[(#1MK?U9S?=Z3?\%@-
M?_X;_P!"H_5JNGJ75,OK=;&LPL4NZ=TBMHVL;54?UN^JMH:QOVG(;Z?_`!6.
MM/ZQ6=8JZ7D6=)K;=>VFV*M187%CO1?COG;OKM_P;F_I?S%+ZO8+,+ZOX&$&
M.K%>-6US'2UP<6@V;_W;-[G;TE.%=U/IG5^M4/ZCF4X_2\6[;T[&LL:TYF2T
M^G]KV.=^EQ<:W]'B?Z7(_2_Z)6OKGU4T8=F#2`]QI?D9;/''9[&XW]?J>2ZK
M`9^?Z=N19_@E0^L_U?Z=T7ZH9&%T7I[W'(NQV.92'6W.`NJ?'J/]6QVUC-E.
M]WIUJ[D?57,ZCTQXR\K[+U/.R*,K,OI&[8*'-MHP\;?^9C;/T5G^F_6'_P`Z
MDI72\ZOHV!1T3#I?U7JM(W9S<>-C;[";LFW,R[-M&/ZESK'['.]?_@47&^N6
M(WI&3U;J;!AX^/>['K<Q_K-O<W3]3=LJ=?\`I?4I]M?TZ;/\&J?6>F=7;;C=
M"Z/@G]C&HOR+?6%;;+7/(LJSKY?F.J>W]/E>@Q^3F>K_`#O\ZC'ZFY&1?C9N
M7U2ZO*Q6EE->+72S'I8X!OIX6/D4Y/H/8UNS[5O^TI*=7H74^H=3QWY67T]_
M3:G.'V:NYP-SF1].^EH_5W;O\'O6FN8ZG]4K+A77BO\`M`?N&1;U/(R<H-'L
MV^AT\VMP['_2^GZ>S_A%#_QONE_L']C>O;L^U?;?4BO;ZL;=OV3T_LGV7;_V
ME]+TTE/_T>N`R/JUU7.O^S7972.J7?:GV8S'7649!:VN_P!7'JWW/Q[_`$FV
M>I4S]$K#_K%FYSO0Z#T^^U[N<S-JLQ<9FL;B,EM.5D?\7CT_]<7SHDDI^E.E
M=!9AW.S\VYW4.JV#;9F6@#:T_P#:?$J'MQ<;_@Z_I_X7U%K+Y5224_522^54
MDE/U4DOE5))3]5)+Y5224_522^54DE/_V0`X0DE-!"$``````%4````!`0``
M``\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````
M!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#
M`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`*`!<`P$1``(1`0,1`?_=
M``0`#/_$`&<```(#`0$!```````````````'"`D*!08$`0$`````````````
M````````$```!P$``0,$`@(#```````"`P0%!@<(`0D`$A,1%!46%Q@B(T,D
M&A$!`````````````````````/_:``P#`0`"$0,1`#\`W\>@16B=*4OE6N5%
MHWA,TT2C?7-!'&%"0B<9!,)Y-'H1A4<KVM8-'TCE+;%L24J2^DMC&SHUCDM-
MYWA10N!%T(0/#J+RC3UC56S57CLK:'U8@0]>VFK-*:;/@&N+(8P<&O+XS5Y7
MM5V?5-9R=W9Q`"C9Y1,$RLAP[U.X_8?YC+">F:]`P/4]%UM?]:B<P1*R&'KH
MG;'U$8V2.,/;<O6L$OA$J;#?J)LET#F#2O979-]1!3N2`\O@A<#P70>/H*ZM
M">0AB@MCN.:\P5;*MFZ]1$I!OM-U6XM+7#J52NS>M<&:2ZDNM[,#`*&CSD2B
M$)&B6FJI2\\[S\6T+0^\8`5JC%NX-(G`>MB;VG]/LW35!R3/GCA6'T+"6P)J
M,]"03)M'2IE>M*V`L3EJ.G"/;%D)1&*P`,XWE@Y\7H%+FYFE^9_+&]XY@&B]
M&7?0[]@5QT78</TK>,PT8_U):Z2_(K7=:+(G8EE+)#8S&BLJ)K9,8J9ECHH1
M&]9@*"`$\!P)@6Y3>Z:HK>8U77T[GL<BTWO"1/,3J.+NR\*=ZL"11Z.KI:^M
M<;1?01JT]ICC:<K4=^G`%%AY[A<$,'!`S_0'H#T'_]#=#>EW5AFRGK(OJZ)4
MAA-65/$G>:S>3N'#!E-K(S)A'G<3I2`F*W)T7&^Q.B1IP&*EJPXH@@`S3``$
M%=&-,]V/H6>LOD>W)$EC9=$D;CU>3LSRM/P]DPC2[\69UH2%L*P`RB=76;'3
MDZNPY$:#C@A/,#'T?4S>@Z4:%MWH*C/#,G<19^TV^@"I!`Y=Y-?)=)Z?",SO
M&W^,UFQK71-XH\@^406AD,DC>Z"`G"`D/3A&F\!WY?>,&GL6S[CLBR8MA3+4
MP55M9<_A9UEZ)T.UI$;BX93S4>Z+8PBD,7*<B%;*7?=XR-L<F:OP.!1J5,!D
M?GL9)X6+J8\./BJ[/%S6+NWXBQI>V?7F=)N2F4.4.@ECL<[G5CRUF`D[9LVF
M,W2KW13:=N>\!:J3JU2]<^@^GRJ^`*!SV!,G2>B:ER51-H:/O24)H?55115;
M*Y:]'_&-0,@@921L8V1$,TD;S*I4]JTS6SMQ7?N')U6)TI/!&G`#T(/^-:E+
M(:6&X-UZJCQ,+U5M]RC]DSR).G"R5.?:+B;*8@H#.*A0I0MHV];5T#4]42;Z
M@+X?*W!R.-]X_P#:((A>/FR$'D_\@^A/(H9$EB"A<=$2G#>(G!TZ[?!.'9P=
M12C0^DV8E:0W)RR+#9%<=96OH23?A:"#"QB"H$I#P-!GH#T!Z#__T=*.ONI]
MM^0S/'CZ$2D?*)S@RQ?>>SFSHD2UMDCHT29S:\@4A)D:E*M1*F]_LV.*YB[-
M:D`N*VR/)?>$!:@L8@NG]!XJQ3K`(A;\.K&V,.T^ZG(*CB.9/KA&HU]RH6IB
M%2MT>&N-RY>G`W-YARDL`&Y1]P<4`D7QA,Z:`(X,*7-WC/R"VH93.28!1%#Q
ML\QYG$]=S5[N]/4A?U3L\.RXPLH2V26!9M@R0\TEN;4PE#D\N84C>EZ,TA/Z
M"!\3S)8/D;E<BN?4=:ON:<CSESC3XV9!+*_2[NU@CB38:S1"2>0Q[9_H^AKU
MH2`"I8*C1.1;?\*CO95]X,1C20'!\:L>ANI-/Z'WC'HVQ,5`T:LD?CZ\=T+C
M30GCT`B%,52^(^Z&MJ`Q-M;FR.-0;KN%L*:$RQ*0!0!BAQ"8(N)C/8(%',M-
MYHVCM.IW?2VBJ7JO&=+7(-GQE2EAV9"HTZ>0#6D0DAD0YH`F.NK\6MFU$T;/
M2AM4``G),0/TQZ-S&,P*5L+-!\>9C4ZF!4]+L_0I$FDKLOIN:WSH9@&8<7Q9
MFR%G%1]JI;Y"1$C,DFWKL<V.I&Y&G-"Y',KZ_KD7M.;.&`#@9;O".8=HJJ\&
M4E7<VW9M>!,Y;QJEMH/C(5`8?HJU%KK9ET3?2&@I4J:*OJ13++#?'=P3-2]8
MJEAS>,C[5F-)^+G`8-<>9&I$.1+FV+JZ*MF?:PJR^)70,-?8;.%=VQG2<MBI
M*-O4AS6[$P>OWNUC%4](>8T1U"TB0*W&.N!Z98>@(,5%A+3"^E[_`-6P"36O
M<F/YQCR'NSZD'2,1MZ6-2R[9;`S$'/N)/:-:-+:$NGG8UT+%Q,TJ'%>L&F'P
M9H2N!`,\)P>@_]+2IXGEKC9.@?,I?DHZ0=*WSR;33.J-04%/]2JRR;2E.5U7
MK:'A'L^V`F-=G0X90BP"&H4&J!=,$HZ8(+I/019UAL.F,<P9LEEIN#T[228N
MHHK45.5^T&S&Z[UGPR>'(J^IVND!@7B92=4$01&\+X6C0$=ZH6GIDP1G!")=
M&Y;NW1]G1/7WD1;V9)(88Y$R7+N)V9S+D]1Y:6@"K"U6E8:KWJ&6WM=A;'`Q
M/V0A!UHB!1IR5@!PPU2XJ0>GD,D&OHEF.VY/CB(,=C6*VU#<A1$`*4.C+:3K
M)7"N7M-7#_3TD)<.L0)3#YOU,L/9UR`TQ[2>XM$J2K2B25H='Q]4:QT7@+)E
M%)(O(H@AB6;*O8'N+24A:Q2]J?G2$MJ^:I9*F"H"XL\K,D[FN&O!PWAR=:,S
MG!^X/U]!35Y.\`YUPEXB;BHW"F0Y:\*[6M_*$7=(U5#),KEO.:-:#3E4R$Q"
M9+)2*<S5ZXPQJ/J&^.E.B[\2S'GIRR.%<Z$LP).S_P`6-PZ:S+*D]OWT;2VP
MM+:)S;I+2%JU0UI9*5!6G/4\CDWJ_.=*#D(NMZ&+T>@CB-,QNZM*H+<9*2K?
MUR(\QR4I^@H]DYEUVU26EO'OB?+JTS`RBIG"96_.R[S:JJ8K;MR23]Y0RZ`Z
MNM@UTD&CWJ`R5M/_`&B=JHLU.<VLI>]FISW,@GCH:,&FH\-M@65.*2O&X]XW
M'#[?I*-O\-K.%YBJ[-L(S+GF#21O9VTR)9=J6XZ7O!55LC8&IF*;DD[$O4S0
M;>'A'%:=.$E.0'UZ9\3#_.$T3C%2R4JW$4E*D#?;\_\`(OJ#;>M6B*-8A10;
M$HJS(CA;#;G"5R58J1+51BMU$S)6I002$*-Q3JU!*</-_P#GTS#_`$1_HW_*
M]M?@_P"T7]QOW#\/4_ZW_-'X[\1^#_KY_'W]?OX$_&?Z?T3]?_$?\WN^Z_['
MH/_3T6HTUA>*[56I9Z"D+ANK"^X;@,TS(97GZOI?==F9DTD\PB+Q"UQSNH8,
MBD%CRFHK.(@B)W3O3`VN`V-;TY*K3%I>$J.@WWKR(79?JPJ">/3'=XSQY="`
M].TAKVGK:R+E:NDYBWB`YX<D%S1NO+[N9<W#X,7X2(1T?SB![#7)%S@S"P=>
M4\&LU)3)TT3>MC/FK=JS%G,9)9I2Q6AI;SHA%E8RE*BI,\09N+&Q4-22=<#I
B_&5J$)4YJA"5NJQ>J%\H0L!]`>@/0'H#T!Z`]`>@/0?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>g655598g39s08.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g39s08.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0C84&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````XP```FP````&`&<`,P`Y
M`',`,``X`````0`````````````````````````!``````````````)L````
MXP`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!CP````!````<````"D`
M``%0```UT```!B``&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``I`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U-X<YI#7;#V=$_E07.LJ)?=:&U#@Z:^1T1^-2N5K^L/3^L731>`Z2
M*J+/8^`8WL:[VV>I]/V)*;O6.K]&Q6_;<IE]@);1-1</SO6:?3]2IOTJ_P"<
M_G/\&KG2?K#TGJ\MPKMUK!N?2\%E@'&[TWQN;_+9[%B=;Z'U+J72MF)6TO%C
M;&ML=L+@T.^AH?=[O\)Z:X=[,O!RX<'XF9BOD?FO8\=_[3?^M75?OU)*?94E
MF?5WJW[7Z11F.@7067M;P+&';9_G_P`XS^0]::2E))))*4@/;D#Z-DMDR2!(
M'EI[D=8G5^M8+,O]EG)97?M#[&..V0[Z#`]T5]OH;TE-V_.PMNQSG6[=26>(
MU^DW8U9G3/KI]7LIS:6VOQG//L&2TM!+S.T6R^KZ7[UBG3BWWDMK;H!!<=&B
M1HO/NI=&ZCTBQN/U"H,W@^F]IWUO`^EL?_Z+L8RQ)3Z^DN-^H/6[;FV='R7E
M[J&^IB.<9=Z<[;*9/^@<6>G_`,'9Z?\`@5V22G__T/3;+1?5;57NWECFZ@B"
M1YKQI@'HL!;NVALM\=O+5[8`!J!J>5POUG^IV7^T'Y_3F^ICY3]]];9+ZWNU
MMM8S_"UV.]^UOOKM_P""_FDIZNFS]IXOVO!SG"G(;-3JVL.R6AL>]K_TE=@]
M[+/^+7GOULR\;+ZV]^,\7-JJKHLO$198S=ZEGMAGY_I^S]Q+J`HKZ;;6PAC&
MAHVS&@<T>_\`>5?HO0>H=:M:S$8:\:8LRW#]&P#Z7I_Z:W]VIG_7/314]A_B
M^IN'0[WR:VVY3W5N@:AK:J7.&[_A*WL_L+I*FY$S:\?U1J(C][:Q1P,''Z?A
MTX6,"*:&AC)U)C\YQ_?>[W/5A!2DDDDE,'75-=M<]K7>!(!U7F?UUK<WZRY6
M\:6,J>V1H6[!7I_;K>O37,:XAQ$ENH*P/K=]6W]9QZ[\4M;G8P=Z8=HVQCOI
MT.=^9[F[ZK/_`$HDIJ_4/+INZ2,)EQ9D8ECW6U2"7,>=]3QOW?HO=Z7M_P!&
M@?7_`"L=F'5@OL%V59>+V-TFJMK=KOH^[;9.QF_Z?J6_Z)9%&&>G;:+FFJ\$
M.LW^UTG]W_@_S6;5AT8U^9EOQ\*IV3>Y[I;7[C]+;NL?]%C?^$M>BIVOJ-58
M_P"L=3F#VU4VNL/@#MK;_G/<O1/3RMT>K+/WB!,_U=O_`'Y9/U4^KO[$Q'F\
MM?G9)!O>PDM#6SZ5->Z/;7N=[]GZ1[_ZBW4%/__1]3>'%L-.TZ:Q/=5VNRW6
MEAAH!U,$B/N#?=_75I))2,T5.`]1C7N[DM&I4P`!`T`3I)*4DDDDI22222E*
MM:<MA&TAX\8C4_FZ!_\`GJRDDI&*MP_3;;.-"T:?E4F5UUB*VA@YAH`_(I))
M*4DDDDI__]DX0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`
M;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`_^X`#D%D;V)E
M`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!`@(!
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#_\``$0@`XP)L`P$1``(1`0,1`?_=``0`3O_$`)<``0`!!`,!`0$`
M```````````*!@<("00%"P,"`0$!`0$!`0````````````````$"`P00```'
M``$#`P,"`P4%!P4````!`@,$!08'$1(((1,4(A4),19!(Q<R)'<X"E%A0K6V
M<7(S)36G&$-4YV@9$0$!``("`00#``(#`0```````1$"(3%!46$2`W$R$T)B
MH2)2@?_:``P#`0`"$0,1`#\`G\`````````````````(YG*_D]Y!^-'(?Y`+
M3A_R(Y8\GN/O&;POUFBY4TG*]7QC<Y#C3S5NKZ$KB_)8!>&P&*@-(RV0E2K#
M39U*Y46#$3'1+<.=Z'&Y)<<>60/C3K?,!6W\P?$7,^1,WD+>8GB/Q%Y5XLYX
M\@<=4ZV3AY_/F>O8_+$*TJ\.SBH6B162<=,NLE7R2]AB4_\`#E+>A,F:B7'%
MPLUQSSKS]RU^'CQS\G-9R+YI:WE^=DN3;30SO#^@XFD;_3WT*YY(3G-'NJG3
M95RO+$Y5G',1W6ZMME3STIM+T>42NB'@X^5G&&W#P>W^OY5\/?&GDG?[W,\H
M;C<<+X'2ZW?X^$FMSVHT-KGX<JUL8=>B!4HA/?,<6W):3"@I1*0X118Q%[#=
M2]UE."``````````````````````````````````````````````````````
M`UNZK?;7BJ=Y8Z3C?DS><H4'!?C=R+I]V_R%(HM-05GD54YXMSA<UE'JBLHT
MU=M68>.]*U-'&::K68UM1.,M,/O2C=C7IPNYBZKDS*\D<F\)P.9=AIU2>&N-
M=[GMUR+4T&NN,GL;_5<E9C;V;<>LAY2O>AZ-C/P9M95+3]LJIK$DF&/@FB"W
M4]U$U6P*]\%.`.7^8.8>5<],D<$<-:[67_&\ZDHMSR3R%ML)EHU565\:LSOO
MVNOV.\O66:JEJD1&+6XFLQ#CO-.)C@>677$:.06N*>,6^6GXTGE1OCW%HY,D
MPFJYF'(Y!1FZU.S?B,U!G4M1G=&4E3:8O]W2@R)OZ.T$OMTN$```````````
M````````#__0G\`````,%?\`Y9Z#(9OF3=;_`",NZR>%V_(.=R<?'8_0T.FO
MV.-]SS%4:ZIIJC2W-C+Y&L<UA>.(%N_;5+$:H?79.HZL-09CT<N%UJKR3JIM
MI7UUGA-MGBD6VQI+15E"C2I^>N<I2U^BC96SHJ5^TNG-YJ:"S;L*FEC,ORK6
MM_OE><R.MEQT84#L?*?1Y69>6?\`32=)Q69Y01F)DU3Z8&FL\2QXI7GD;=W/
M[;TDC,6.7T-(_"C1%09K3C[J7#94RR[[CL<85F?D_3IM[RO7@-I]OS6G>H[N
M]:D9%4*'4)Y4M>&HVI1#=TK%O/@R]O0V)%%C1WK!$*M?=4P3CM<Q/&'2:GR^
MRV>RK.C@8C7Z24_PWF><44-;)RT&:C'WN3Y!VLQAZ=>W]74-7-12\=24>P;_
M`/>)<V*25%'^5*BC#L:?G#37TN9G)N6OJJ8K3\VM5E]E8-5<NW6/X?Y(O\++
MD4%,]/OI;%\U.>ST)\["*VS(D6$E]EIN.SWH&%\\+,T<RME'I36Y*8>J6H\I
M=9*J2FH<R>;F64EJ'-@ULM#/[AE36T$['9<0E'8I)*29`BM@`!KMX>_%SXG\
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M1&A1$2)S\N?,=)M'<[(D.O2)#JE..N+<4I1D[5T`````````````````````
M``````````````````````#"1CRAU6?KN5]5K<A(O\SE-IM\GCH&5R.@S^BO
MK+#;SDZCM,W0IT-S9?U4NV\/@"N795)%C0HZE/,K(D,2GHA<*ZHO**BNI5*3
MV&VM+6VMYHZ>78VL2&3E`=7$II.7:N:F!)G6K=YR>W>-/9BO::==NHB%+BJ=
M>7'COC"F=;Y-:RDV"Z^HXPL+7*1=%00TRI#Q4>KO*2TX,Y1Y7LW6\WKW\E*R
M5M36.'CQU,V25..,FZGVD.+0MH8=RYY8YQ,Z_)O";65G\U&N;RVTT=W*)B-8
M[/GEFK;6L5DS20[N9%CR-8CMA,QW+-;4"8:8_N'7M6(PY%QY49ROB)778S5W
MUH_25]Y"IX4G,PGY,:9!YRMWFES+B]KJ^(['J>`+E:3<<2VX\_%;[DDMYQD8
M=9E_(F[UME8TAY.WJ42K'06&;T-7`A7;DG(921A6[@OVY&M;.TE7Q3N0JJO2
M9M,M*7)D22;)F&GY0L7^P]IH;)F:5ZVZHF6JAUB4_6R:>0V_,JV9$NH?@RXT
M1Z5(KVS9>>F):89=D2W&$,-?&4DR*[``&,W&/B?Q?Q5GKK'4UER/H<3HL]J,
MU=8O>\C:G;YBSB;:>Y9ZZPG5E_/EIFZ'239,ER=9/*7-EN39*W75KD.J47*N
M>+>$LEQ-)O;*FL]II+W0UV;H)^DW^QN]KH"RF*.\/%9)FTNI+[Y4F6_<M@I@
MU]\R3(G2),Q^3*>=?611.C\4>*]#EN$<>B3O<Y3>.]=!K>*BR7(&HSTNA;K,
MBSA:V;)EPIZ7;:XKLJAV&Q-D^Y*9:ER20XGY+W>7*_V?IF\]255$S/N+5JI@
MQX#=EH+25=7<Y$9LFTR;6WG+<F6,YTD]7'G5&M:O4SZ@CN``````````````
M``````?_T9_`````"AM%QAQKKZ16:UG'F&U&<787-LO/Z+)T%W2+M-&=LK0V
M2JJRKY,!5A>G?3CF/&W[DHYK_N&KWG.X/Q6\6<8TUC!N*CCG!U5O66%M;5MI
M6Y#/P;&OM;YAN+>6<&=%KFI,2PNHK*&Y;S:DN26T$EPU$1$`LMR9N.)LK:<S
MS]IQ+73%83%\;:G7:^[I<`FITN>WB^1^/(LNROK:Q]^#F\+2,W;-Y/NDQ(5;
M13YJDJ=C*E$95M%^0GCW=S.-9\GBBLL9EWF8W*W'-D]1<?6SD>VWNUOW:NWS
M-A$GV!,0]=LLT5@]JXJTTA2+*JER)Q*L&%@8J]6K\>.#N4<79TT3+XN#DN1)
M"-#J9>,R/'#L?D6!;0;\UNV=I.REXF6U;M:^9)1:P5Q[5#DI;L::U[SIN#-7
MMB9S/5\IF;`H::%-C?N#X\N)5P8TJ/\`NVWCZ#5>S(980ZU^YKZ*U.L.TR^;
M,;0\]WN))1$=R```````````````````````````````````````````````
M``````HV\XYX]TU/^W=)A,;H<^5M8WY45YEZ2VIRO;=^TE6UU]LGP9$+[M:2
M;R:Y(D]GO/KF/J6I1NN&H.OK.(^*:256SJ;C'CVHG4]G8751,K,7FX$JJN;>
M/#B6MM6R(M:T]!L[.+7QVI#[1I=>;8;2M2B0DB"W>WUG%=%M]&>BXR5;:RJR
M.:LTZ8\CE9,G2M7=O;\?Y_)4][;38DYV<B7N),(US%1:>+'O)"5RT-KG$V5:
M>5S1XY.V>3A6W#B4WD*QT;V>@RL1QM9VF;Y`I=3N<H[F*9%??63BMO>:_@V9
M"BO4YRHCDZ'`;=EM.2(1.#E>74>/_#_(&<NX<7*Y6@@\A3HFAV%ME,=QPY.W
M'O*O9YNW=I:930M6#LY_66$A-DP:+)I^:\]&EM./.+6,KK5./RE"Y%?I<W1U
M<B#&G0XDN%5PH\QB+:JJ%VK*)C;)2NRU<H(*I759_(7"84YW&TV:2*C`````
M````````````````````````?__2G\````````MKK>*LOL7M)+LEVL6QTM5@
M:U^QK9J6)-<[QAJ[O<8>UK&WX\J&BQI-3>NRNC[4B-(-MMM]EUDE-K#I)/!.
M$L,=%P]LBVMJ5AGD);YS)Z&ID^[Y2B:2%M=3(=KXT%J/>6<?:7*6RBMQX<5-
MH\EB.VA+"61EV.!C5^(F/\6,Q9;"(427JJ"VF2$RGM?%M[%,[:W,QUJ/"BQM
M"QN;M]^?$BL,P8[%G".,E"'#CQ@NH``*3TFZQ^01W:315=4OM)28S\A*YSB3
M+J2VJY@GISR/]Z6S(62WJ)F3RL3>>5N%@K6U2U5[?+2?H^;3%5!<+_:AR2XY
M.Z_]Z,D;GUWRGRBVT[RZOG%']MQM1$3Z="G64RP41=?7JIABL(_3_<0O\YZI
M\O9@[YN_DVYW\;.*Z'=8/(\26EI;<AU>3>BZZBV-A7MUD_.:RX<=:;IMYGY'
MSD2*)E*5FZ;?8I9&CJ:33?YZ^M/E6O'._P"HB\@8SC!ZS@/ARZ92TR4E&=LM
MKEW'7TI(GW&';*WUZ8[3B_5"%(=-!>AJ7^HG\YZGRK+?C?\`U$/"ULN,SROP
M!R1AS<[D2)F(T>=Y%B,KZDEMY35NQQU,)A9?4LD)=6W^B2=_4Y?KOBK\O9M$
MX._(_P"%GD*_%K>/.>,BSI)9MM,Y':KE\?Z9^6X:23!KJ[91J9-_+^LOIK7)
MB3+KT,^U73-UVGA996<`RH``````````````````````````````````````
M`````"WVIXXIM5*O)TJ7.B3;_$3>/YCK,7/VD4J&PEKF2TG3:BBT%#/=?-U3
M:VYL65%<94:%LJ(S`4*CQLXK3@*+C,ZAXLI0,;9,:%%5"JC>F<AM7W[IL5II
M8%;%A+ES]-,FLQ8346MAS5,O,1FU0X7QRYKO..*RKXV>_I)'8DM1VF;K89NX
MFRJ]U[6IO;^1=[N4]$K*RDK::VJ]CHUNO08<1FM8A6,/X9)03L:(/==\$`%+
M:/;9+(M^YI-#5U)FDEH8DR4?-=09F7<Q`:]R;(3U+]4-J%DMZAG"Q-YY5X.`
MI;5+6WM^M/\`9?)AFK@N?]UV8X<XCZ_[8Q#<^N^6?E%M9_EU>.*/[9C:J(GT
M[2GV<NP5^I=>IQX]81]2Z_\`9_O_`(W^<]4^7LPL\T?R5\Y>.O$;'(&&R7$]
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MDI*B)25),C2I)EU(R,O0R,AE7]`````````````````?_].?P``````````*
M.VN:?T59&>JGX\'4YZ<B_P`A9RDO*BPKZ+'D1D,V"(YID/4ES!EOP+!MLTNK
M@RG2:4V[[;B`HBPYWPU-FX]S<27(=RHY,.;C6C;E:*MO:YY<*WI9;"5-LMG7
M6#+C12E*3$DH23K#CK3C:EV:W;I+9&(NZ\D=SJ3>B4CG[1IU]R":K737;/-G
MZ=9%N:&WFE=/_MTL=/T,U?J.LTD[[8NU8^O/.R'7'WW7'WG5&MUYY:G'7%J/
MJI;CBS4M:E'^IF?4QM'R``&L3\L'^7;&?XTYW_H;D8!'R```!G_XO?DR\N/%
M.170<9R-,V&!A+0ASC#DAV9K,><-/MI.+4?)EMW>42E".J"JY<1OO/N6APC4
ME4NLJRV)1GA5^7SQT\L9%3A],O\`HES/8*9B1L5K;-B1G=38.$:29P^T-B#!
ML93Z^U+<":U!GN.+]MAN223<'+;2S\-S:5MF&%``````````````````````
M``````````````````````4CM,T[I:EI-?+:J]'2SF;[)73L?Y3=1HH3$EB.
M](8)33S]78PIC\"Q9:<8>DUDR0RAUI3A.)"BIG-^-I<RQ=:-QZGNB<DU]CC"
M-N9HJZ_K73C6U0IA!M-.M1)*3-J<:D0ID934AAU;+[*UV2[=);(Q'W7DKMM,
MIV)GE?M"I5W)+X#ONW+Z#ZEW/6IH0J,9^AD49+2DGZ&M7ZCK-).V+M6.[[[\
MIYV1)>=D2'EJ<>??<6\\ZXH^JENNN&I;BU'^IF9F8VCX@`#6]^4O_+1`_P`3
M\M_RC3@([````,[O&#\D/EKXH2:Z)Q]R5/T&&@K2ESB[D%<O6X-V+W)4N)`@
M2I;5GETK4DE=]/+@+-7]HU)-252ZR]K+8E">%GYC_'?RBD5>'WQ-<#\P3E-1
M(F>U%LU)QFJFK)#:6\GMGH]=%3/EOJZ-UU@W$DJ6M+<=4M1*4.5TL_#4VRV_
MC#0``````````````/_4G\``````````#%#F/R)CYU<K,85V/.O$=[%A>_RY
M,"H<Z=JF(2?K9GV+9F?>:NK+"B[3):NY*.FNF>;TS=L<1KTD0YDG66NK?M9D
MB3H(Z#T#$M:Y/W2WBFPS!O5ON.]S=BBM0<5]9I6J2PW&2:DIC((^N,,9=B``
M```UB?E@_P`NV,_QISO_`$-R,`CY`````/TE2DJ)23-*DF2DJ29DI*B/J1D9
M>I&1@-_WXX_S.:_B"70\,^5UO;;GB5:H=/G.3I!.6FVXU9,T1HS6@=^J=LL7
M$+H:E+-VU@,DKVE26T-14<]M,\SMJ;>J6QG=%0ZZBI]1EKFKT6;T%=$MZ*^I
M)T:SJ+BJGLHDPK&ML(;CT69#E,.)6VXVI25)/J1CDV[D````````````````
M``````````````````````````8N\R>0D3)JDYK&KCV.D22FIMF?8_7T:S(N
MK:$_4W/LD$?JC_PF5>B^Y1*;+IKIGF],W;'$[:ZIT>=8:^TV,NTE29V@B(1H
MD25+?.WLHBF&ZJX<<6[VL385<ER(M24&J1&*.VI1(B,(+K)CIC+G`````-;W
MY2_\M$#_`!/RW_*-.`CL``````#>Y^.;\R.ZX$E9_A[R7LKCD/A$W(U53;21
M[]MN^+8RE(9CFJ0:ES==BH!'_,B.^[80HY?W-;C;3<)>-M,\SMJ;>J7ED==E
M]]EZ':XJ^J]1D]15Q+K/Z"EEM3JNWJYS27HLR'*94I#K3J%?[E)41I41*(R+
MBVJ,````````````!__5G\`````````,./('G%VO7,P>.E]DSM5'T=U&69.0
MS41I=J(#J>A)E&D^C[J3,VNOMIZ+[C1TTT\UG:^(P='5@``````&L3\L'^7;
M&?XTYW_H;D8!'R```````!NA_%/^3F[\4M95\+\OW$NT\;=9:FTV_*4Y+D\0
M7UH^?71TQK<[TX^;-=[[B"GJ3?<J;'3[Y/M2\;ZYYG:RXX\)HT&="LX4.RK9
MD6PKK"+'G0)\&0U+A3H4MI#\69#E,+<8DQ9+#B5MN(4I"T*(R,R,<71R@```
M````````````````````````````````````8D>0/-RZ),C#Y"9V73B#:OK:
M.HNZJ9<3ZU\)Y"NK=HZD_P":LBZQT'T29.'U;Z::YYO3.U\1@<9]?4_4S]3,
M_P"(ZL/X``````-;WY2_\M$#_$_+?\HTX".P```````#;U^+S\FFD\.M?"XS
MY*L)][XU:RV([B"LI,^=Q=:V#I$]L\K':2](75N/*)=M6-)/Y".Z0PGY*5)D
M8VUSS.UEQ^$V:GN*G0U%7?T-E`NJ.\KH-Q37%7+8GUEM4V<9J;765=.BK=C3
M8$^&^AUEUM2FW&UDI)F1D8XNCL0```````````?_UI_````````+#<]<I?T^
MS95]4^2=3H&WF*XT*+W*R&DNR5;J+H?:XV:NR/UZ=SI]Q=2;40WIKF^S.UQ^
M6M):UN+4XXI2W%J4M:UJ-2UK49J4I2E&9J4HSZF9^IF.S#\````````UB?E@
M_P`NV,_QISO_`$-R,`CY`````````)37X,?/=^^AI\+>5KPWK2G@S+3@2XLG
MS7(G4D!AV=?<9&\Y];CE!#9<L:E*C4904RHY*0W&BM'RWU_RC6M\)*XYM@``
M``````````````````````````````````"R_-W)R..<LHX+B#TMW[L.D:/L
M4<;HDOE6SK:OU:@H67:70R4\M!&1I[C+6NOROLEN&L-YYZ2\[(D.N/OONN//
MO.K4XZ\\ZHUN.N.*,U+<<6HS,S/J9F.[F^0```````-;WY2_\M$#_$_+?\HT
MX".P`````````DS_`(,O/B1'L&O"OE6Z4[!FIG6?`ES92"Z09C12;._XT<D/
M*,S8GM^[/J$J-)-NMR(Q&HWHK2>>^O\`DUK?"44.38``````````/__7G\``
M````#J[R[J<U2W&CO[&)446?J["[NK:>^W&@5=351'I]E8S9+II:CQ(4-A;K
MBU&24(29GZ$`U-;O>KY+TL_7E(;?@6?MG2^R^W(CLTK:>E:W'>94MEQ"F#]Q
M2D'VK<6I1?VAZ-9B8<K<U1XH````````UB?E@_R[8S_&G._]#<C`(^0`````
M```"JL-MM/QML\KR#BK9^BUV*T%3J,W<1NPWJZZI)S-A7RDH<2MEY#<EA/<V
MXE3;B.J5I-)F1NQZ'_BAY"YWRG\?>,^<<Y[$=&TS[+M]4,.FY^W-?7+76:[.
MK[U*?[:C01'VV5N$E3\;VGB+M<29^>S%L=)<QD0(H```````````````````
M```````````````/FZZTPTX^\XAIEEM;KKKBB0VTTVDUN..+49)2A"2,S,_0
MB(!J@Y4W;_(>SL[TU.%7(5\&DC.=2^-4Q5**/]!_V'92U*?<+UZ..F7Z$0]&
MLQ,.=N:MR*@```````#6]^4O_+1`_P`3\M_RC3@([`````````#O,UI+[&Z.
MAUV6M9E%ILO<UFASUW7.FQ/J+NFF,V%790GBZFU*A38Z'$*_@I)`/0F\(_)F
MJ\N/&GC;FJ'\6/=W%7]GW=3$ZI:H^0*#MK]57MM*4MQF&_.1\R&E9FLX$IA1
MGU4//M,6QTES&5XB@````````#__T)_```````TE?G7\BGN)O$^!Q+23OBZ?
MR&T9YR1[3WM2F^/\F<&]V;S!H63G9-G/U5:\GH:'(L]Y)_J1'O29N6=KPBD<
M+^4O-W`TAA.!V4Q-$A\WI&-O.^YR,SN5WO)5427"^WKD*_\`$>@N1)*NG_B=
M!V8;A>#_`,GW%.W^)3<M5K_%NA>6AC[NA3]SB9;B_I2XN<TU]THO<<Z$:9++
MD=HC[ER>G4R#9947-/H*V)<4%K6WE1/:)^#:U$Z+95LUE7]EZ).A.O19#2OX
M*0HR,!V0```+W<:<%:OD1+=DKMH,VI70KB<RMQR8DCZ+^U024TN:23+H;BE-
ML]>I$LU$:2SMO)^5DM_#,3-^.7&%`VVJ54OZ.8DB[I=Y*=>0:O\`B),",<6O
M[#/]"6VXHB+^U^O7G=]JW\8[G4^/G`NZK(])N.$^)=I3Q)C5C&J]?QSD--`8
ML&&),5FP:BW=/.91.:C3'FTO$7N$AU:>[HI1'GY;>M,3T8=\K?B3\!N6(4IJ
M3P12X&S?;6F-?<4SK#`S:Y:T]OO1:BI?_:$AQ/ZI3*K)+9'_`,/ZBS?:>3XQ
MH)\S?P;\S<(P+KD#QWN)W.W'=:W(GS,HN`B-R[05S759FU55R/MN_;C-)ZN.
M5K<6:LS^BO-)*672;R]]LW7'310I*DJ-*B-*DF:5)41DI*B/H9&1^I&1C;+\
M@`````"2U_IZ_(A^'H^8/%VZFF<"YKV^8,(RZZ9(CV]6NNS>Y@,$M2B<>M:V
M3526VT$GL17R%GW=Q]O/[)U6M;X2EQR;````````````````````````````
M``````!K9_*%YDQ/#G@.HNV:5K3Z/DK90\/79X[151(=H/@3;77VK4PH4]+:
M(==$;B=3:7T>L&OI,NIEO29J;7AJ>XA_()XY<JE%@R].OCC1R#0V=)OR8J(R
MWSZD:8>E0\]G'FU++HV3LB.^X:B(FB,^A=G-FTP^S)99DQGFI$>0TV^P^PXA
MUE]EU!.-/,NMFI#K3J%$I*DF9*(^I`/H`````O-QKPCK.1C1-:2FDSO>9.7L
M]I:DO]IFE2*N&2FW+%Q*BZ&?<VRGH9&X2B[3SMM-?RLEK,;->-W&=$TV<^OE
M:6:DB[Y5Q*=)DU^AJ]N!"5&B):ZEZ$XEU1%Z&HQSN^U:^,5#IN`."=K4HH=I
MPOQ3LJ5N2U-15:WCW)::O3-82ZAB9\2[J9S!RF4/K2APT]Z4K,B,B,QGY;>M
M7$]&'O*7XEO`;E6'*:E\"4.&L7TJ*/><6S;+`S*]Q2%()Z+5TLEO*O*1W=23
M)KI#7<1&:#%F^T\GQC0IYD_@NY>X:K;7>^-U[8<ZXBN;D39V,EP(\/EFEKV4
MJ<4N%$K^RKWY,,HZK^`U#GK49):@N>JBZ:[R]LW7T:&W6G6'7&'VW&7F7%M/
M,NH4VZTZVHT.-N-K(EH<0LC(R,B,C+H8VR^8``````D1_P"GV\B'\WRWR;XT
M7,\TT?)5`KD/&QGY!DTSN,<VS%OXD"*9]JI>AQS_`,A]9>OM42"_0O3G]DXE
M:UOA+.')L`````````?_T9_```````A;_G>Y>=W_`)J_T]CR.ZHX2X\R^6^.
MAQ+C'[BU4<]Y=SDFGKVR':[05T5U/7Z3A$1D2NX=M)C5SV[:5AM`!>#B?GOE
MSA&Q^X<:;:WSS;KZ'YU0EQ,[/6BD]$G]SH)Z)%5+6ILNPG3:)]"3/L6D^A@-
MO/"'Y4<?>_%IN=,VO%V*O9:/7Y9F;;Y=Y9]J7'I]*:I5_3((S,_Y*K$C+]>S
MIZAM+RFQRF[IHVBQFCI=31S$D<>UH;*)9PEJ[24II3T1UU+4AKNZ+:7VN-J]
M%)(R,@&6WC_P^C<V*]-H8_?E:>03;<5PC[;VS0DG/BF1&1G`ADI*WS_1PS2V
M74C<[<;[8XG;6LSRV)M--,--L,-MLLLMH:99:0EMIIIM)(;;;;01(0VA!$1$
M1$1$70AQ;?0````!&T_,Y^-*EM\[I_,7@G.E7ZBE)Z\YTQ],P286CI4D:[+D
MVLKV&ND:_J"ZOWG9T:F1"7-627VI"Y/33;Q6=IYB*R.K``````S"\`.7G>#/
M,OQWY%^2<6NA\DTF=T3O>I*$97<+<Q.G=<0DTD\46CT#[R4*]#<:2?H9$93:
M9EA.X]"\>=U``````````````````````````````````!#P_/\`\P/;#RHP
MO$<:4MRGX<XUB2940W%FF/K^1I?WRV<)ON]M/O9:NH^A].X^A]3Z=.G;ZYQE
MC;MH=&V5\^)O)3FWA)YK^G>_NJFL0Z;KF;ENIN,M(-9]7O<SUJF76-.OD?13
MS+;4@OU2XDR(R#:3Q%^5^GF'$J^;<$]3O*-+;VLP:W)U9W*[$D[+R]H^=E#8
M;]5+6Q-FN'UZ)9]/4-GO&G-/%7,-=]RXVW6?U;26TNR8D"83=Q`2H^B?N=%,
M3&N:PU'^GR&&^[^'4@%SP&0_`G$)<@6KE[>,J_:5+(2AYL^Y/WJR22'4UB5)
M-)IBLMK2N0HCZ]JDH+U6:D8WVQQ.UUF?PV.1X\>(PS%BL,QHT9IMB/&CM(98
M88:22&F666TI;::;0DB2E)$1$70AQ='V`````1T_S,_C4I]EE='Y><%YQJ!O
MLO%>N>:,E2Q2;C[?,16TJG[Z!"CI)MG59F,V;]GVI(K"O0X^H_DL'\KIIMXO
M3.T\HG0ZL`````#)#Q`Y@7P'Y0\$\NG*^'`Q?)6:F:%_W#:ZY"PG(I=HQ[I*
M23?R\E936NX^J4]_525)ZI.69EA.*]&$>=U`````````'__2G\``````#SN?
M.;;.<B>9'D[K5/\`R&)_-_(L*M>ZMJ[Z2ATL_/T!]6C4T?2DJXY?2:B]/[2O
MU/T:\2.5[K%04````7AX.UO,&=Y#S%5PGI;ZAVVPT%%EJ>)33#;8O;>[LX]9
M35EE7/I?K+9A^QF(234IEYKN5U[0'HN\=Y1>&PN3R+TU%I,H*&MKK.W1$:@%
M<V[,9O[Q='"8Z,1%W%F;LE32/H;-TTI]"(>>W-M=9PK,0`````'&F0XEC$E5
M]A%C3H$Z,_#FPIC#4F),B26E,R8LJ,\E;,B-(96I"T+2:5I,R,C(P'GI^>/C
MVWXN^6/,G#D!I3>;I-+]YQ/<;BR_9&MAQM/EHQ/NK6Y)=J:JU1!><,S-4B*Y
MU]1Z-;F2N5F*Q#%````'T:==8=;?8<<9>9<0ZR\TM3;K3K:B6VXVX@R6AQ"R
M(R,C(R,NI`/2IXAV*N1.)N+^0%J):]SQWBMBI:4M)2M6FS59=*4E+'\E)*.;
MU(D?27\/0>:]UUBX@``````````````````````````````````\^[\E&U>W
MWGEY47KZW'%P.7=#BDJ<6XXHF>-OC\=1T$IU"%$VTQE4I0DB[4I(B29I(C/T
M:_K'.]U@^*@``.QJK>UHK"+;4=G84UK!=2_"LZJ;)KK"&\@^J7HLV(ZS)CNI
M/]%(41D`V(<#?D1\D\]=Y['VS</FF/;VE915=3H4G"UDF78R&($"!7ZJN8.0
M_+ES'DI]VPCV+BE+_P"SH$Z'`Y=G&X_/YQIIIIRNKF$3O96;B';-U/OV;Z73
M;:4ZEZ<XXHC-*?I,BZ$1="\]N;:ZSB*O$`````!\GV&9++T:2RU(CR&G&)$=
M]M#K+[+J#;=9>:<)2'6G4*-*DJ(R41]#`>?3^0WQRC>+/ESRWQ33Q7(N.1;L
MZSC]"NY2$8G81T7E-`8=61+?;SZY3M6;A^JW(*C,S/U'HUN9*Y68K"D4````
M`'H^^+^W<Y*\;/'_`)!D/)?E[3A?C'36#B.WTL[G&4TZS:627'DH=8L'G$+3
MW*[5I,NI]!Y[W76=1?00````````?__3G\``````#S0>1YLBSY"WEE,63DNP
MV>HFREI0EM*Y$N\G/OK)"")""4ZX9]"(B+^`],ZCDHP````!L&_%5D8VV_(/
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M9.^^4"\89-:E&2FV4)(B[#-7;Z^JQMVT$C;(```#YNO,LD2GG6VDF?0C=6EL
MC/IUZ$:C(C/H0#T#_`SDS&O>%/BDFTVN0C3H?`'%=6['>T--&>8148ZIJH[3
MS#DU+C;S<:&@E]Q$9J(S/]1Y]OVKK)<3AEJSR)Q_)6AJ/NL<^XZ[[#;;.GI'
M5N/&Y[1,H0B<I2W?=^GM+U[O3]1#"U51Y+82SN]E32*G8UIXN1J694QNH@:Q
M5FSC-I+P>@FPZ#CRWV>RJ8D>\AJ6R=Q65;DR$ER3'0ZQ&F+CEP^TCR<X?3IX
M>5KKVQT$N977UD5SG<]>6V,BMYTL4Y.8L-Y'@_LR!(=B\@5;K'NSDH>3*:2E
M7NOQFWABN[M^?^*J)V4FRTBV8T-Z3#.P147,B%86<?78_`IJLXIB`Y(V5A)V
M^ZKJ=M-,W8)*U<5"6I$I/LF3#C[;R&XLP.<>U%W;W$FK+(W.S@+HLEJ[Y5W6
MT,&SL[2LI'*RFD1+#50ZZEFR7:A+I63$2%)DO,MQHTAYHN'9P><N,9UK6T9Z
M5J%<VTN?#B5UA#G1GFG(.ETV/2=H]\=<2@.?I,A.A1VY[D9]R:V44T)EK2P8
MPJ/"\CXGDN%;6&'OH]_#H[A-%:O,1YT7XMD]24NFA(-NPBQ'7HEKF-)76<&4
MVE<6?6SX\J.X['?:<416X````````````````````````#S<O(JT5=^07.MT
MIHV%6_,G)UHIE3IOJ95/VUY+-HWS0V;QMF[T[^U/=TZ]"_0>F=1R6;`````9
MQ_C4R47;>>/BY236FWX['*M/IE-.FDFUN8B/-VK!+);3R5D4C/I/L-/U_P!G
MJGKW%-N-:L[CT#AYW1@)YA<];WB'<\+43>O9X6XGW&BJZG1<X3\/'V&?@Z67
M?P8,#$ZG0VLD\IQ54VL%\U(L+B,3=L^\46)-@R6.V5&I.+ZK[:;><D4_DGQ9
M@&VL<UQ7M<#R/9R'/;MYFZFZ[(O9AU"O>-<&DH<]7P+I*4H2BQD6+TA1J5"3
M%2F94\/YA]YR19^1O.'&NM:QT?&9'C7@W<<>,Y]NWD7_`+/(.JY_SEZ_KKBQ
M5%ARI<P^+(;K$2)"::KTK6@Y$PU>XD>(M#S[S+RME+CG>]PF@S%-D_%WA+/<
MRZ2@N,H_>R^39\QKDO0Z7'S+8KBO>S%7%PV`9*NEP6W)!7%F3S_NQH2X4T*$
MH/*/>RO*R;Q,[K<Q95,CGG2\4L\<.\8Z:FLJW(4?"C7)'[TK^895^SD;B^B7
M220]3IB2)<B$^KVFFS8<?2,<-CX(B3_ZB')L0>?.`]NW&]M_2\27&:D224UV
MR2QVOFV3*%-)5[I.QT[4^JU$1*2I*4F?89%U^OJL;=Q'F'1D```!\W7F62)3
MSK;23/H1NK2V1GTZ]"-1D1GT(!/D_&SR-CD^"7B\S;;C+,SXO%=/"=8FZ*G8
MDL-09$R'%CNLNRT.-_'B,(01&1'VI(<-OVKI)<3AF\WR-QZ\9):WF,=4I9MI
M)O44BS4X2S;-LB3.,S63A&GI^O7T_497"V)^2&)9Y+Y`XPF4NRCVO'<)V=96
MD*H@:B);M1J?BFYFIH<[B[C2\BO+AL<R4[9_*HXB77"DFRIUIA3AEP_%KY1<
M-5MFFKB:"PT:OMEM;2;;*YZ\O<E6Q*GCJIY86=ON8<$\54+FX'05UE'*38-$
MY&L(SAFEMY"S&*J6SYWXMIYUG#LM,B*S3HMON%L[`L44J9-'JL[A[2!76:HI
M1]!,K]AIHU7*36G,3!L27%E*8D)]HQAUVO\`(KBK$YA>MN;:[<J_L.LO8K=;
MC=?83IR\/7Z"SU&:CQ6:3JSNJ>'D[1<BAD&Q;,)K)BG(Z$1)*FAAVK'.?&+M
MS59Y_1?;KR[L%5M=5V5=90YOR/E0*YK[JPN(:LS\BXM8E>VBU^$Z=G+CPC04
MN0RRX,5U/_R3X/\`9^3_`%!K/C_-^'\CX-U['M?8/W;]Z][[9[?[3_9W_G7W
MKK]H^R_W_P"3\/\`G`8K_]2?P``````/--Y7J'<_RER50OJ<6]2;_95#RG6%
M175.UNBL8;BG(RUK7'<-;)F;9J,T'Z&9]!Z9U')0`````#/G\76TBX'S^\8+
MZ;)*(Q,Y!<QQ/*4E"??Y%SE[Q]$9-2VW$D4F7IT-?H1_7Z&D_J+._P"M6=Q/
MX'!T:[_-_P`"9?G'+QV5W//NWRWC]!M,K:[_`(-S^2X[DQ-E/R3^QEL6U9O;
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M_BNQ%/RK,W%MY!<YZ'CQ7F7JO/2LX&<9XGJ<!`\B]'IIFFBW\O157&K'*=OG
ML_(FFB-5/7Y1%^TVIU*S]TG9A?E[-IXK*'1_J!=K'O?+[`Y"')-Y&$X/S[5D
MS[RE(B7FDU>NN'F?8[U-M..47VYPU=$K62TD?5*4&.WUSAC;MHE&V0````!Z
M'_@;5/TWA1XG09!]7C\>N))RR-"VU-?=<136J6'$+(EI=CIFDVOK_P`23'GV
M_:NDZC+(15C[WQ_PE[EI62<^=#KK#>Z'D2W6U$S%F=]<:>]TU]:0='6Z3.7F
M>T5(F1JI"(S$Z%(7#)J,ZPMN5%8D(+E3$'Q=XWH<YG*&#<:RNJ,G66]6;BK2
MF6NSS]K&QQV%5=2)M$\AN$FPX\IIY/12B2D2(!)][XSLAAX9JRMIFN#]/2\>
MUN.Y]M($9,'+:'B>9)L*15%C>-J+DKCWF6354%R_D6V3)5'X\R5TT?22K%QZ
MNJ;!1MR8,*83`_\`BH8/CUX_\KR$6E/K=3;RI.?W<A]9-T2;V#*Y$J.3>+=W
M?39M]AUZS(V>@MM)H''Z7WX-.=_#D/IJR>8E$8S5Z&O';!%"OX,Z1H+9O46>
M9MKY5A,K^ZQF9;F78\Z1/<;A54*,TS.VVYG)DMMMH2J":&4$V:?<,9?O@;BZ
M^XOIM@UH[Q=Q9:_7PM&F*=DFZ8SM=3<=X'C6HH8=V6<R3UM&;K./VI7NO5[4
ME*Y2FWG9;K:ID@7E?4$````````````````````````><#Y/TIYOR6\A\Z;+
MD<Z'G/EJE..ZXEUU@ZO?:"";+CJ34EQQKV.TU$9D9EU'IG4<KW5C`````&:_
MXXMG%P/G5XN:&:^F-%<Y;SF9?D.>V33*-PI[$FZ\MTC;980>AZN.'T)M'574
MNG4IM^M)W'H-#SNK&+R0\?M!Y"5M5D5\I6&-XYE+<C;[+UN4S5M9::IDQ;&!
M.9I]'=Q9QYV;.K;)V*\MR)/9-A1FVVR\1/$67'A=BPXTI9VVXYVR)$V')XTH
M]AGZ2KCFR=<_!V$;.197S/>:<E&N`SFF28['$E]:N_N].A'(KN/ZVMY0V'*C
M4V<Y<;/!<;\?SJYPX_VV+6\9Z'E71U,V(264ROG3Y7+,U$CO<4W[<9CL2D_<
M-86+V_B]-W7R$6G,>T;9W'%F.X?YX)FBQ#;O,>3R#NFDKE+]B@CPL%H=6K:6
M\2VDU$=MIVJL5L1F8KT>!*B%RY<7Q?C)Y+L=M8\H;FPR<SEMOFYCBE,#$PLJ
MGD"/EH&9@3;"\8RRMU85E2Y6LV,:(BTCM?/:2;_OL$;!C+*8$1"?]0IMXMQY
M-\082+(]]>*X:3;6"$K4IN'8[+6WI_$6DW32B4=9G8KRNC:3-IYLS4KT)';Z
MYQ:QMVT"#;(`````]!#\:L"17>!GBQ'DDDG'.)*">DD*)9?'M%2;.(9F7Z*.
M++0:B_X5=2_@.&W[5TG49PC*K*Z?@?$:EO;E).="D<A;&BVNHDQXN:LD6D_/
M8^APT&KLZC39Z_SM_GOL%`T7P[2'.;:E.*DL>U(0PXR7*CV/%'C>'CXV'K[/
M7P*5FF=SCZH]A3+F3J"1PEGN!9%5)<E4$EAEE[(92ODFY';8D)LH_N)<2PMR
M.L96AFYOA#7HR$?%\X6+I75PFTX^;7/KI&?S="KG?+<I["#G;N'EX\V!+M[G
MA.=&H2N+&21'6R6X2%L1'D-#GRY];P!X\\P2J._J]QIM6^JBY(E(?3^V_G2%
M[]CF#&;O1R9,O#-7F3E7\SF6\6F%!=JJJ3)8:=9A+1%=ZC-7W8X`QJ)TBUEV
M6FLK6=<YO06%A+F533LZWS&[S7(L26\Q74T""S\S29:.J0VPTTT;*W&VTMD:
M30,UCI_\0]1]B]G]U_SOF_MC]I?N)'V/^CO].?Z5_LC]V?T[^Z_^@_WOO^U_
M-Z?W3Y_R_P#SP1<O_]6>U1ZK,:=5JC-Z.AT*Z&TDT=XFCN*^V537<(R*93VJ
M8$B0==:1#,O=CO=CS?7ZDD`[X!PJZQK[BO@6]1/A6M5:PHMC66==*8G5]C7S
MF$284^!-C+=C3(4R,ZEQIUM2D.(42DF9&1@.:``//3_(CDHO'?G1Y29-+C#*
ME\R:W318278QK8A;V:6ZKV&F8_3VX[,'2-DVGIU0V1$KU(S'HUO_`%CG9S6'
M0J````.SI;BSSMQ4Z"DFO5MS16<"XJ+&,9)D0+.LE-38$UA2B4DGHLMA"TF9
M&7<D@'HH^)?D/G/*?Q[XSYNSCL5)Z[/QOW+51G26K-[6N3\#79U]!K4\U]KO
M6'DL&X25/Q%,OD78Z@S\]F+8Z2YF61HB@````"G]9JL_ALOHMIK+2+29C)TE
MIH]#<35^W$JZ6FA/6%E.D+]3)J+$CK6?0C,^G0B,_0!YVGE?SQ9>3?D7RWSG
M9-/Q2W^LE3Z>OE+2Y(JLK7,1Z/'T[ZT&;:WZG+5D..XI/1*W&S47ZCT28DCE
M>:QY%````',@0)EI/A5E?'<ES[&7&@08K1$;LF9,>1'C1VR,R(W'GG$I+J9>
MI@/2VX^RD?!X+$8:(I"HN,R&:RD92.O8J/G::%3LJ1U0V?8;<,NGTEZ?P(>:
M]NJKP`!1'(^(;Y'Q=UBG]%H<M%ODP&)UOE_L!VYU\:TA3["H]O3T.FHI%7HX
M45RNL&9$%XGJ^4\VDVUJ2X@,8J#Q'5$G\>Q]1LWM=G<FS(D:]BR:FPGN4;+W
M.2VJB/J\[FYF;X^<KZ"!O6VT..5,EV8U$0U)2LVHKT<N558;QSM^/N0*74YO
M?6$/-HN=1:Z?)NO:"Q*ZBVJ=P573NVMEH),FW0B9J(%G+EVQ3Y)7%7(EQ/BK
MN[0G1EE4"```````````````````````````@)?E0P2N._/_`,EZ?V?:9NMR
MSO8RTM$TW(3R-0T^YD/-]IJ2YTL+]Y"U=?5U"NO0^I%WUYUCG>ZU]C2````.
M9`GS:J?"M*V2]"L:V7&GP)D99M2(DV&\B1%DL.)Z*;>8?;2M*B]241&`]#[P
MM\DZ3RR\;.,^::MV,5K>TK5;N*MA;?=0<@4:45^NJ'&4]%L,E:-*DQ.]*%.U
M\B.]VDEQ(\^TQ<.DN8RG$4`````=5>WE/F*2YTNAL8E/09ZJL+R\MY[R8\"J
MIZF(]/L[&;(69(8B084=;KBS]$H29G^@#SQ/,_R$D^4WDYRYS>I,IBJUVE4U
ME(,M2O>KL501(V>R$1UGK[<:4=!5L.R4((D_+==5ZFHS/T:S$D<K<UB\*```
M`/TE*E*)*2-2E&24I21FI2C/H1$1>IF9@/26X$PJ^+^#.&.-'6_:=X]XIX\Q
M#R/4S2]E<C44;Q*-1J4I?NP3ZF9F9GZF9F//>;:ZSI=D0`%&\A8UOD+&:#%/
MZ"_S$720BK9UQEU4J+MNN=D,JLH,5>@I=#5(9N("'(<@UQ''"C2'/:4T]V.H
M#&&G\39<6WSAWF\F:2FK]E;['62)S<FNN-ZEGF#D?F'!YJ\ILI)R_'OVS):/
M=DZIQRGDHE=)*/CH4Y"D5Q<N]R/C1.P&ZSVEQ&XF9[/1+Z]F:'+H7?62;?.K
M:EQLOF/N5IH)4JS@UJ);LEPKC[HF)839LBL3!5(Z)&?9EF"`#__6F*Z'A?R`
M:R^EH>/K3(9NL7"W6<P>0F\I;A^NQ]9L<1?4[-["V43C-F\;C4.F>@2:S-N0
MI:*A'R?B7*(R8-=$+F.)4<)<J0>7[Z:Q9V)P'-)FM^K4S>3>3"K(4.U\C^7-
MM=YW/YMR/+SM]:3.'F*7-SHCYPXU1#>0U%6Y&<4EX.(GQZYTB8G(\=1M+3*S
M]-%QEE:6=+RML\7>(L,YXZQN'9>'I&VN--36EC'-C41]!\F4AUJ8<IYJ14]4
M&N2,QE1097>?MK+P-!N"I+:LRF=KK9K`55>JL=T$6KALW\J/.Y`A;.UF5;EB
MPOX!.$Q(;C+,I"I#IDX@CLRXSQ[Q**X@SM4A:?KC[2]O-E7$]W)6J7'IM-8V
ME+`EFI/HY&C,FA*C0CM09I`1)OSW\$QN./)3COE'/TT6IRG+/&\>L-JNAL0H
M#>LXXE)J+1AAB*EMAA!9BVI32DD)ZGWF77H?3M]=XPQMVT2C;(`````VT?BL
M_(M)\+.19F-Y#?L)_CSR5815ZV-%:>G2L)I"0W"A\@TT!LU.R&4Q4H8MXS"3
M>E0VVW&TN/1667,[:_+\K+C\)M66U69W&<I=?C;^HU.5T=?'MJ'14%A%M::X
MK9:"<CSJZQA.O19<9U)^BD*,OX?J1CATZ._```!\W76F&G'WW&V666UNO/.K
M2VTTTVDUN...+,D(;0@C,S,R(B+J8")E^8;\H%3S`W;>*?CW=_/XXK[1MOE?
MD2KE)57[^RJ92'F<AF'V>I2\=4V<=+LJ<E1MVDIE"6>L1OW9?737'-8VOB([
MXZ,@````#/3\8_#KO-WG+X]Y5<,Y=/0[6-R/I#6VIR(U2<:M.[-;=AVI428E
MK84\>!ZEVK<EH09EW=1G:XUJSN)_HX.@```````````````````````````"
MW.8Y/SFJLKB#"3*A1J[66N%K+>VD4D.%K=;G5Z%O4T68A%<.Z"389ES+3CDH
MDPHANQV%28WR(A&^`X"N=N$$34UJ^9.*D6*_MW9`5R'D4S5_>*6ITE3VQ3MR
M?5]TSM]!GQNB?Y\*:P^CN:>;4H8<ZOY:X]FUUM9RM324#%'<:.GM4:.XJ:9^
M"YFM=LL5(GRFY4\OCU=E<X"V.$^X:4R683JB(C:=2@8=VK>X5%'6Z=6TR:<U
M<]OV?0JT=.5':]R7%I^VVQS"@3NY#*S+VG%]209_P,!U1\@(F&DLSDMIJ2ZG
M[LF+3-YRM9:6E1QIC5GNYF3AW4&6:3['*M4_HGHLR)"T*4$4S_4`<0:^KYGX
M;YUL*:@HH7(&(FX&V^P6EAI6'KSC^T59QYTZPG467.%8V=#KFX[39L/(4S6&
MHCZI60Z_7>+&-O5H"'1D`````;3OQ>?D/L?"+DV91[,[&W\?^2)D-&]IX:%R
MYF4N&DHB0>0\]!(^KTR#'(F;&,WT7/@)3T);T>,DL[:_*>ZRX3?<9M,GR)EJ
M+<8715&MR&FKV;6@T=#.8LJFU@/]21(B3(RUM.$2TJ0M/4E-N)4A9)4DR+AT
MZ*F```!_%*2E)J49)2DC4I2C(DI21=3,S/T(B(!%4_,1^42FY!@WWB3X[7R;
M/*)F%"YCY*IYB'*W3N07NYSC_*2XYJ3.S[$UI)V<]M?M37&_CLFJ,3JW^NFN
M.:QM?"-T.C(`````R]\!^&U<]^8OC[QF[%.756?(E1>:9GL-2',CB_=V>J9<
M5V+0T4NAH9#"5*(T^XZDNA]2(YM<2TG-CT-!YW4`````````?__7FS>3,B6K
M+9VCJ(O*;=_I](U256JXT/EGV./$/0Y+UAO=;&XH)V9=UU%%9_N%5/9?@VEN
M[%CR"8AJF38A8M#R#D.2]CK^:V</MN3\YF',M$D)7'K^<Z0X&MS6@KYD^HHS
MOMG3NZ?]RP84M53*XY?SM>VVE<:U^Y-R82@..%W>";_EIVXV64Y1RUQ'EU::
MJ]<V4^PDS*^SM=$TN2_FZ7VZ:HRSU7F(#3$1ARC-;3A1U/V#46PDNH<%9)@@
M`U0?F5\;WN?_``PUES1P%S-MP=/:Y:SZ([)N2YE+419,+>525(;=?]A>2FR)
M_MH3U>E5K"?0O4MZ7%]DVF8@VCLY@``````WC_CNY\YV\2LC\FGT,BQS>MFM
MW<CB[4.3)V3AQ%I42)<&`4AI_/WMJVY[STB&ME3A$RE]#OMF@7^<VG/;/SLO
M'3?GQW^4KA#11V&N0:#6<=6AI_O+K48M=G4GW$DO8L*EMB\<49?4:55B227H
M2E&.=^G:=7+<^R>5\9OY`/$"NJI5W.YIJ8M;!A/6,Q][.;="XT..TI]]YZ*>
M8^6@F64&I23;[DD1]2&/Y[_^6OGKZL'>5OSP>$>(A/\`]/G.1N:;8VR^"SFL
M=/R-*M\R4HBLK7D1.8LX,8NWH:V*V8ON4GHV9=RDI]>WD^4:!/,K\MWDQY<0
MK/%QY$7AOB"Q]QF3Q]AK"8[/OX*_TA[?9NMPK/21S(S2Y&88KJYY/3W(JU))
M0Z:Z2?EF[6M6(T@``````)3_`/I\?&U^IS7*WE1H*TV7=6XGBGCF0^T:7':&
MHEQKC>6D4UI,G85C?QZ^$AQ!ET>JY*#'+[+U&]9Y24AS:```````````````
M`````````````8J<A<8XG,7U[S'L>9D<96+V@SUC5;&Q/C;*5.?D4]+L\ZRU
M/D7]*FFU5M(R&ULZQF3<%+=C06X_LI2XPXZ^5;.5X]\>4\A>?B<R0:3)5W!^
MMA\D'(O<6C3?L'0\>\#<4Q;Z4FQI)<.GQT_%<#S9#]UWQ%1[,DFTMV*E^.0S
M[*[+Q^X_V=B5QF^3I%E671.;:WIH!8/69_556OVO+_(F-G369U-:^_DEV'+E
M[\?VEI8MX\>.E;BVV9"9`RR&PF)CXC-45"JSL-'+HXME%8OKQ2)%H4>VLU6L
MJMB/&2G(-%%<)F/#B$M:8\*)&:-3ALI69%;`-;'Y8_&]_P`D_"[D:HI(#EAM
M^,S9Y>Q$>.R;TN798V)/.]JHK2.C\F3<XV?91V&4&9N3%L]$J-*2&M+B^R;3
M,0-1W<P````!W6=S]KJKNNS]+&5+L[22F-&:+J22,R-;CSRR(_:C1F4J<=6?
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M2N<-22A;+=J:@6%C#<94:'HD!BM@R6U&B0R^1),NDTD_+-VM:EAI```````2
M;O\`3W>-[CDWEORJOH!DQ&9_H]QV](9^EV0^=;HM_;12=Z&DXK+=5"9D-I,E
M>],9[B-+B3Y_9>HUK/*4&.38`````````__0G\``````#XR8T>9'?B2V&942
M4R[&E19+2'X\F.^A33S#[+J5-O,O-J-*DJ(TJ29D9=`$`G\CWB'.\-_)S78*
M#!F(XTTRE[7B.TD&IYJ7C+>0Z?V4YG0R=L<A9I>K7TK,GE(8:D*22)#9J[ZW
M,]W.S%8%#2````+^^/\`QA^_]6F?9Q_<R^;<8F69.H,V;&89FN%4EU(T.(=6
MCW'R]2]E)I/H;B3&M9FLVX;.B+IZ%Z$7H1%_`=&`!26_C_+PFUB_7_><EI(_
M\LNJ_P"=33&_H+H?5?U>GI^HEZJSN-.HY.@```````"Z_!O#>T\@N6\%PUQ]
M`7/U>_T$2DKR[%+8@1U]\BUO+`T?4U4Y^H8?G2W/_IQHZU?PZ!;B9)R]$+@O
MAS(^/O#_`!YPOA6#9S''69@9Z`ZXAMN392&$J?MKVP2UT:.UT5Q(D3Y:DD25
M29+AD1$?0>>W-M=9PNP(````````````````````````````+6\PUG)EWB95
M)Q5+HZ[0V\V'7V-M<Z&SS$FKR[ZEEH)68N*O+;%<'7NPR]BND.P76(3[WRU(
M>-@HSX4ROA&BFV;C4FGIJC(3>(('&<O/4$B9%D0%0)L5R`=5;1HM9*0S1P(;
M3,&6GV)3*F&EH2V:4]I<J+X:X0Y"XHUD=36RK7^/IN>ES-)GFO=DRY^[E.0(
M41WWIU0=G/:H,Y5Q(#-S(L_ES8L-M,J"N2MV<L6LK`0`?Q24J2:5$2DJ(TJ2
MHB-*DF70R,C]#(R`0-?RF^'DCQ"\H-%745:J-Q+R@[8;_BF0TR34&%6SI9+O
M\6SVJ6A#N(N)1QFVS4;GVYR&ZOH;W0N^MS/=SLQ6MD:0```!L@\=>)/V52_N
MB]B]FIOXZ#;9>1T>I:APR<;B=I^K4R;T2X^1]%((D-F1&E?7IK,?EBW+)<:9
M`'0:J/\`+R^DB=%J^307$?HT75P_>KI#?1LNU759]WIZ'Z_P$O5&F<<G4```
M````!<'BGC#9<T<D8OBGCZK5<;+>Z"OSE!!+O2T<N>Z252YKS;;QQ*NMCDN3
M+?-)ICQ6G'%?2@PMQ,CT0?&[@O+>-/!O&O!^/2A=1Q_FHE2]/)E,=V]O'E.6
M&ETLMI)J2W,TFAER9KJ2,TH6^:4]$D1%Y[<VUUZ7O$`````````!_]&?P```
M````#7K^27PDJO-G@"QR]:Q7Q.7<0<O3\0Z"8:(Z6;XF$IL,K83CZ*8H-G$8
M3&?-1^VQ)1&E*2KXY)/6NWQOLEF8@9:3.7V/T%WE-346&?TN;M9]'?T=M%=A
M6=1<5<EV%8UT^(\E+L>7#E,J;<0HB-*DF0[N;I0`!VE+36.AMZZCJ8ZI5E:R
MV84-A)].]Y]9(2:UG]+;39&:EK/HE""-1]"(Q>T;;>/,37<?92LS5?VK.,CW
MK"62>U5A:/I2<V:OK]1$XM))01]30TE"?^$=),1BW*MA4`'6W,?Y=1:Q?K/Y
M-;.C]&RZK/WHKK?T%T/JOZO3T/U$&EH<G4```````!,9_"[^/R3X_<?K\D.6
M:/X?,/*U(PWDJ2SBJ;L^.N-YWM3&D26'R)=?I]IVM2);:DD_#A-LQU>VZY+:
M''?;-Q.F]9Y;V!AH`````````````````````````````````````8/_`)`/
M#7-^;'C_`'O'$LXE9O:,WM1Q1JI#?_H.TB17$,0YKR"-TL]IF#.#8)(EDAIQ
M,A*%O1V>FM=OC?9+,Q`8W&(U?&NPTN`W-'/S6PR%S.H-%16;)LS:VUKGU1Y,
M=U/JE:.Y/<VX@U-NMJ2M"E(4E1]^W-2H``RH\;>)2U-LG;7\8EYZCDD59%?1
MU;N+EGZDK4DRZ.0:M71:_P#A<>[4_4E+B1O6>:SM?#8>-L```^3[*9##S"S4
M2'VG&5FDR)1)=0:%&DS)1$HB5Z=2,!I/4E2%*0M*D+0HTK0HC2I*DGT4E23Z
M&E23+H9'^@XNK\@```````ET?A+_`!^2.(\DWY9<N4:XG)/(5,N-Q706<8DR
M\9QY:M(4[IY#+[9.PM'NHY]&23T7'IC(C5UFO--\M]L\3IO6>4@D<V@`````
M`````?_2G\`````````-$'Y;_P`72O(ZNF^17`5(PGG6@KNNTR,)!,JY>H:V
M,A$9Z`@C2RKD"CB,>W'ZD2K2*11S4;K49*NFFV.+TS9GGRAZRHLJ#*DPIL9^
M'-AOO19<24RY'E194=Q3,B-)CO)0ZP^PZ@TK0HB4E1&1D1D.K#C@,]O%WC#[
M9`7R+<Q^D^U9<C9MIU/U1:I9]LFR[5%U0]9*3V-*+H91R,R,TNC>L\L;7PS!
M&V0```&E*;'^),EQ?K_NTI^/_,+HO^2ZMOZRZ%T7]/KZ?J.+JXH``````D>?
MB)_%7+V5A0>4_DQE9,/&UKT"[X?XST,!"?WQ)["EP-WJZR:A3A8^(9MNUD-U
MM/W5WI(<+X2&TS>>^WB5K6>:E:CDV```````````````````````````````
M`````````TM_E9_&%$\MZ)WF?AR'`J_(O*5/LR:\_C08/+]#7,I*+06LQPVF
M8NOJX[7MU,]Y1-N-](<E1,^P]$WIMCB],V9_*&+<TUOG+>TS^@J["DO:2PF5
M-S36T.17VE5:5\AR)/KK&!+;:E0YT.4TIMUIQ*5MK2:5$1D.S"L>,>/;+DG5
M1*&'[C$)'25=624$I%=6-K23SOU?0J2\9^VR@_[3BBZ_22C*R92W#:_2TU;G
MJFOI*B,W#K:R,W$B1VR]$--ETZJ/]7'7%&:EK/JI:U&HS,S,QU<W:`````-,
M.BC_`!-!>Q.BT_&N+./T=+HX7LS7V^CA=J>BR[?7T+U_@.+HZ8%`````$@K\
M1OXL9G+]O1>3GD9FG8_$-0^S:\98.Y96P]R==0I+3L/27M>^WW+XZKG6C4TP
MX22NGR3U)4%*TRN>^^.)VUK/-2YDI2E))21)2DB2E*2(DI21="(B+T(B(<FW
M]```````````!__3G\``````````#3/^1W\2.#\N"M>6^)'JOCCR)*/[L^4^
MA;&-Y3^-'2U'B;!F,VXY4:-#;2$,74=M:U(+VI;3Z?9=B[UWQQ>F;KG\HID3
MQ3Y5R/-$WBCF/#Z#`VF36B?K*^YC'&6Y5DZM$1RGGM*<K[>#?.M&B+,AO/1W
M626ZTM9(,=]<;<SISO#88PPS%89C1FFX\>.TVPPPRA+;+++2";:::;01(;;;
M0DB2DB(B(NA#JYOJ`````TV[./\`$V&LB_67QM+>Q^CA=%E[-I*;^LNA=%_3
MZ^A>HY7MTBFA%``!W.>SM_K;RKS.5I+;2:.[F,UU-0T-=+MKBUGR%=K$*NK8
M#3\R;*>5Z)0VA2C_`-@"4E^.;\*$3'2:'FOS'JZ^YTD<V+3+<%+7%M**DD%V
MNQ+'DF0PN1`OK-A71:*AE;D%I1%\E<@S4PWRVW\1N:^J2*E*4I)*2)*4D24I
M21$E*2+H1$1>A$1#FT_H````````````````````````````````````````
M``U*_D2_%3QIYFP9W(.'<JN,_(F)"0W$UWQEM9K>(B-J*)4\BPZ]AV2X\39$
MRQ<L-NSXK1(2XB4RTTPC>N]GX9LS^6ARM\8-CXIH7Q]R'FI=%M7NV?=S)#1+
MAW+A&IIMZBLVN^);4,7ZFV'65K0I7>H^U:EI+U:V6<5QVSGEV8TR`````-/G
M(\?XG(6ZC=%DEG8:5"/<+HM317,SVEJ^E)'[C?11&1$1D?4O0<KW72=*+$4`
M`'95%/;Z&UKJ*@J[&\N[>9'KJFGJ(,FRM;2PENI8B0:ZOA-/2YLR4\LD-M-(
M4M:C(B(S,!)S_'1^$M=?*H>:_-"I8=?8^/;93@%U;,J.AXTH?A6/*K[#CK$C
MV>I.%0-*-'>24SW%$3T$^>V_C5J:^J30TTTPTVPPVVRRRVAIEEI"6VFFFTDA
MMMMM!$A#:$$1$1$1$1="')M]`````````````'__U)_````````````+6\K\
M+<9\VY]6<Y)RM?H8:4N'`F.)5&N:9]PBZRJ6YC&U85KW<A)J)MPFWB2274K1
MU2=UVNMS*EDO%::^</Q><@YAR7<\*737(-&GW'DYF[>A4^RB-EU,FF);AQ:"
M_P"QLC,UDJ"ZH^B4,+/U/T:_=+^W%<K]=\-:.KQ>NPEJ[1[3,7V4N&35WUV@
MJIM3+-*%F@W6FIK+*GF%*+Z7$=S:B]2,R,C'667F5BRSN*-KIK=E7P;%E*T-
M3X<6:TASM)Q#<IA#Z$N=JE)[TI<(CZ&9=?X@CF"@`U$\KQ_C<F[YOZ_JUM](
M^LNA_P![L9$KT+H7T?SOI_VIZ#E>ZZ3J+?"*[6DHKO36T&AS=-:Z"\LWOCUM
M-25\NVMK"1VJ7[$&N@,R)DM[L09]K:%*Z$9]/0!N(\7OPA^5W-LBNN^68K'C
MK@7EH=D2-E&^X<AS(O\`+4::SCZ+*8E5[Z^Y2#*XD5BVS(U$TX71*L7>3KM9
MK:D]^(_X_/&OPRJD_P!+,A]QW,F&J'><JZ]4>ZW]PV[VG)C,V11H\3.U+QH2
M2H58Q#CN$VA3R774FZ?.[6]]-R2,V1E0````````````````````````````
M````````````````!;KDWB;CSF+./9;D;+5FFJ7"<5'^8T:)]7(<22#FTUHP
M;5A43B2DB]V.XVI2?I5U29I.S:ZW,J62]M-_./XM]I1OS;K@N]8V=-U6\WC]
M)*BU.KB$:BZ1H%NX4;/W:4%U/O?57+)/1))=5]1]]?NG^4<K]=\-8VQP>UX]
MMG*+=92_R5NV:_[AH*J95O.H1V]7HWRFFTRXRB6DTNM&MM:5$:5&1D8[2R]5
MBRSN*&K9J+*O@V+:%-M3X<::TVLR-Q#4IE#[27.WJDG"0LNXB,R(_P!#/]01
MS10`:E^:8_QN5=TWT67=?R9'1PNBO[VEN7U+Z4_0KWNJ?]J>GJ?ZCE>ZZ3J+
M8"*["IJ;6^LH5-1UEA<W%G):AUM54PI-C96$MY7:S%A08;;TJ7)=4?1*&T*4
MH_T(!MW\7/PI^6O/,BNNN2*I/CMQ[(]E]^VY!@NN;J5$62%*33\:M2(ETU,2
M2RZIN':=!%U-*EF78>+O)URLUJ3[XA?CH\9_#*"W+XYRJM#R(]%^/:\L;<H=
MSN)274]),6HD(B1J_*5+RC,CC5K,?WD)04E<A:"<'.[7;MN21G:,J```````
M```````#_]6?P``````````````+1\VYO-[/"RL7I<_3Z6+M;"LQK59;U,2Z
M[6M),:K[JTKX,R/);7.SN:<FV9+[>UE$)3JS)M"S)FSJC';:_CJ\6]@IUV)D
M+7#RWDJ)4G$7\RO;29ET2IBKMTWE%&]O_A2W$2C_`&D8Z3[=YY8NFM\,<[S\
M2N%D*</-<PZRI09+]I-YFZ?0J09I+VS<5`FY@G"2KJ9D1([B]/3]3W/NOG5/
MYSU4G_\`R)__`&#_`/:?_P#)8?W_`-?^4_E_LQUM?]/EB]1LKS4ZSR=U$F-<
MV!S3K,]QA54;\="F6&U,E8V6TTK;J_<;4HE_&21$HB[>J34K-^W/AJ:8G;)'
MC7\%'@KAW6).IKN3N6Y#1-J6SN=T[65BI"%=YN-PN/*[$/\`LFKT]IY]])I+
MHKN]>N;OLOQC9MQ1X^\&\%UY5O#O$O'_`!NP;"8TA_)9:IJ;.P:29&7W>YCQ
MBM[EWJ1=7);[SA]"ZGZ$,VV]UK$7@$``````````````````````````````
M`````````````````````6HYJH*35\?6N3NZ:GO&=>_6XZ/%N:R)<LQG=;/C
MYZ1<L5DMM:)C^=KK%^Q-M)H,VXJ^KC:24XE+9U1COM/QW^+&O[W(V'FXF6YT
MZRL/>SZEM"4_V4,5$Y5MGHR$EZ$3<-'I_P!A#I/MWGEBZ:WPQQN_Q+8"0MP\
MWR[L*EL^_P!I-W04N@6CJ2O;]QR`_F4N=JNAJZ)1W$1D73KU+?\`:^=4_G/5
M1_\`_(G_`/8/_P!I_P#\EA_?_7_E/Y?[,>-!_I^,?L-O=:W4>3ND<BW$B,]]
MJH.+JNHD1R8KHT-:/N=CM[]MTW'X_N$?Q4]J%=G0S+O/-^W-SAJ:>[(;C?\`
M!%X,8IUB3JXW*?+3[9I6Y'VFY.HJUN)42B)N)Q[5XN8EGZ?[#DI[KU/J9EZ%
MF_9LOQC9IQ%XX<"<"0O@\-<0\?\`'*5M>S)FYC,UD"ZL&_3_`-6T!,+O;A?0
MB+NE27E="(NO0B&;;>ZUB1>H0`````````````````'_UI_`````"D\IO,7N
MX%9:XS44>HK;G+9K;U,^BLHUE$L<ALF[!W*:6&_%<<;D4VA;JI*HDA)FV^3"
M^TS[3`58``.NF6]7`>*+,L(C$M==96[4);[?SGZNG7!;MK"-!29RY,2M=LXR
M'UMH4EM<EI*NBG$$H.6J0RF0U%4OI(>9?D--]JC[F8RXS;Z^XD]A=BY;9=#,
MC/N]"/H?0/E/GP:J#-M+2;$K:RMB29]C8SY+,.#`@PV5R)<V;+D+;CQ8D6.V
MIQQQQ24(0DU*,B(S`?5B0S)0IQA?>A+TF.I7:I/1Z)(=BR$=%I29^W(94GK^
MA].I&9=#`4E;5T^RVF1=7%6NBS\+1WCDLELMI:U#\>%GJ)LB-TI+Z%Y^ZN^]
M*4&TE7MJ69*]LC"LP```````````````````````````````````````````
M``````!2>9WF+V<2GGY+44>CA:#/QM522Z:QC6$>TSDMTF(]U"=CN+0_7NOG
M[9.$?0E]4GT,C(!5@``ZZ?;U=6;2+"PB1'9#4QZ+'>?;3*EMU\9<R<<*+U^1
M,5$B(-QQ+25J2@NIET`<M<AEMYB.M?:])]WV$=JC[_922W/J))I3VI/KZF77
M^`#Y3Y\&J@S;2TFQ*VLK8DF?8V,^2S#@P(,-E<B7-FRY"VX\6)%CMJ<<<<4E
M"$)-2C(B,P'U9D,R/=]E??[#[D=WZ5)[7FNG>CZDI[NWN+U+J1_[0%)757/L
M]AB73:7]DH$:;0NRFE,I4G1E7Q<S2PGR<-3JX4JDU%NZI+:"/WHS1FXE)&AT
M*S``````````````````````````'__7G\`````-?&9\.=+CV:&NAV^$U.2S
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M]S*<3()QHV)8RY^T\:]Q(I8C$>LP.@G1[2@J-#.2W8-V',D&UYZX`V=UKN6H
MRX\%!RX^/X\LXMK'1,LV93#[GQFVX[I5C0RZS:>'.WW2"J[;2X1G/JS'+&=;
M@)S=5/8KLUR;D^4H%5Q:HI&19TUSA>-=9NJ^75E]\@U+D2EBH30Q94=F6D97
M*K?&2>B5C[J5(RU=<9#1/WN?8JV)<J+CXMKY%JY<N:+*3EP:MR+&=X]D/9;W
MFHL3WH;KC2FT177&3&78>*'&^JX_K=P>DSC.;:L)N/J*_N2PQ;ZM_%XVKS5Y
MR%H(<69/8CW.VN8KLN1U=6XI_P!S^9,:)JQG"LMP0```````````````````
M``````````````````````````````8`TWA_I,RO",0;G%Z/)XO'8J#/XWTD
M*X;RNPTU?0WM/MHUJ;7W&OBXZYT$V'JXC#E7.6C3,/R7D+4^TY%+E6_'_B]>
MXJQ@W1<C26]:FII\_<\C5%;#=VUO35/#G#W'QQE/[>+N82XTS6<8OW*HLTK!
MIMR>IPE*E*<?4,J0A>.G(5@SN9Q-XRHE:/4\P,6+-S`JK*RY#SNKY]KM52N;
M'[YE-UD&%TN'R:DTK[M1;--,:)UI,&`\PN1)&5.U_A#:0LE6,S[3#:7DIK&O
M8Z9R+;TKS=[%5,\4,'P'(T-/:_!FV462C68=5F4-I49E<6Q=5[J'TJ)Z+E4'
M(7C=N+.H0Q"A8BTGERO47EO>,-6"+ODC.7W,%)?S'.2(?95J4UB<DZ]%=98M
M)+<N)'>.&W`0ZU`9J9=1LO#K:[LZ&GL])AJG(1L_S#43*>'G:FV155'+>9YZ
MID\?05S<?"T%YC<9-Y4HU0DIN*>L<CYEM)4S+KC;K`RN`7C!8S;;C[0RUXZC
MEXB^E7]514L>9+ILBBSY*\>]G+H<=(774Z8\&!F^(;*DCOIA0E*B69(]IIE;
M[)C+N/&;C?58BYWD^^SC.?@R,[QMBHTYU+$>^W]_Q^O<,Z?E#3Q(LVR8.\VJ
M]!%<DR3D.N2'V7/YLEI#4Z6*RW!`````````````````````````!__0G\``
M````"V?,.?M]5QSHJ&AB?/MI_P!H^)$^1%B^[\6]K)C_`//F/1XR.R-'6KZE
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M3%G35-#D;R^E7,NUE/SY=C/>;K8\.<VMB(<Z"]#36BX9)@@`````````````
M````````````````````````````````````````MGS3G[?6\.<LY7/Q/N%]
MIN,]WGZ2!\B+%^;;W.6M:ZMB?*FO1H4;Y,V2A'N/.-M([NJU)21F0C"+FW(^
M7.FI]9CLGG]"UG+K/>5-1/\`V_:<.$SJ8&^HO)G^E\-IK3Z2HCYK0P[M6$5'
MEOP+1N2Y8E\]R$TS;&]&IA6M_AO(70RHSCE3;3::JL(L[*)UUAQH]MX+$'O4
MTWLIM%/70V-@W:O2UQRB./QE5:XA2#<FIDJ,3#J5X?RES][R/:Y!F^<F7-)#
MG5,NYON/+"KCS'Z#Q8J;BDP<&=9.KSEPB-DMR3#4EB+1.3RANO+6A3:RJ<+R
M<+1/("'KD*Y4<T-I0V&%DR7)-HKCZKKLMHFM#$.FR\6!D=%H;'56C^:EN'86
MCZ8;,>7!7[3DUJ<RU6#AE,"````````````````````````````/_]&?P```
M````"T_/%GJ:3A7E6^Q-T]GM9G\!JM!06\:KKKJ1%L:*GEV["6*RVBSJV4]*
M^&;*2>8?;2IPE&VOIV&6=K&ZW9\LV'*'(&'P6T0UICE6U'GL1/C9!N!G<4KA
M;.:FNYD;D/Y>PTB9A\NSCSD=^:Y94AKEK,ZV2J$ZD@^O`?-6TO\`3P./^2(U
MQ-TMKB(>FJ+2/6TL2F=S](3%*[J)Z8K%9;39&[N3D36;1F!`HW(BH4=J'7S?
MDQE"QF*"````````````````````````````````````````````````````
M````+3\\6>II.$^6KS$W3V=UU'QUL;O/74:KKKJ776M/0SK**_#J[>+.JIDW
MW(O:RF3'DQR=-*G&'D$;2Q.U,\AR^4?Z@GG,+IV8'[FX$YBF9JOL*BK72T_)
MF:N.-X&.TEA:N55E9N(->T?2]&5[D13#'=\=Q9&9E6QX1YIW,_:5_'W)4>[L
MK;24DBTR5G%K\^F`>5I;7:U\;57[]7#IW[2=HW,XZ4FX@08F;=CO4+T:+`=N
MBC`7V9F`@`````````````````````````````__TI_`````````````````
M````````````````````````````````````````````````````````````
M```````````````````````````/_].?P```````````````````````````
M````````````````````````````````````````````````````````````
/````````````````#__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>g655598g45a62.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g45a62.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0<^4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````GP```C0````&`&<`-``U
M`&$`-@`R`````0`````````````````````````!``````````````(T````
MGP`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!*(````!````<````"``
M``%0```J````!(8`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``@`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5)`.;B;21<PZ2(<-4,9K-H<;J6R`3+N/Q24VTD/]/_(_%!^V5Q(N
MI/S_`-J2FTJK**++\AUE;7G>!+F@GZ#/%19G,=6UYMJ9N:'%I/$B84SCESC9
MI+X)+7/`,"`?:[]U)2*_"FP^BP!I'85@`_VZK')J,)WJDW5M%;=`V*W!WF=M
M%;F_YZ1?1M)%[.#'Z5__`*43-LQ]C2Z]D[03-K_#_C$E-DT45OK<RMC7;N0T
M`\.1U7;CO:X.!!(XESR/#ASE'[97$^M2?G_M24VDE39G,=6UYMJ;N:'%I/$B
M81P;B`06$'4$2DI*DJIRV:_IJ=//N/FIMS<4M#C:P2`2-PT24__0]+J9:_$I
M:T@--;9U<#]']YCFJ+Z[JL6\.<"TL>1J]QDCQM<_VJ6+E8PQJ0;JY#&_G#P'
MFEE96*<6X"ZN2QWYP\#YI*;'YGR5,;CC8S1NCTVD[0_G;^]4YBN?F_)5\7)Q
MQC4@VL!#&S[AX!)3''=8&6,<'``$MW!Y.GM_G+G.^E^ZCX_]&K_J-_(HV9.,
M6._2LX/YP_O4J/Z-7_4;^1)37N:36PMW[BT:@V1V[4O:E5NBPOW^H&N.[](&
M0?!EKWLW(U63CBM@-K)#1^</#XI6Y.,:GCU6?1/YP\/BDI,.%5JKLLQ*6M(#
M?3;.K@9V_O5N:K0X5;%R<<8M(-K`0QLC</`)*9TU6U;PYP+3)&KW&?C:]Z?$
M_HM/_%M_($CDXT']*S_.']Z?$_HM/_%M_($E(+1-3"WU!9L&TMWEG]ME3Z]R
M50:UC]+=X8Z2\V;?[/JO?^ZBU9..*F@VL!``(W#^]*W)QC6\"UGT3^</#XI*
M?__9.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`
M;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@
M`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0```
M``'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`__``!$(`)\"-`,!$0`"$0$#$0'_W0`$`$?_Q`"<``$!``(#`0$!````````
M````"`8'!0D*!`,"`0$!`0```````````````````0(0```%!``!!PD$!@D!
M!@<````#!`4&`0('"`D2$Q57&)C8$106UC>76'BY%[<XV2&TE7<9.2(CM59V
MR(F92C(Q022VQDA10T1DA8:($0$``@,!`0$!`0`#`````````1$A,6%108%Q
M0I$"(O_:``P#`0`"$0,1`#\`]_``````````````````````````````````
M`ASB(1R/3#7%EB,N86:4Q24[8</N.2>,2-K0O<>D<>>]^=:&QZ87YE<R%3:[
MLSNVJC4ZI*H*,(4$&7%F6W6W5I4L;<U_#HX?'P):;=V'"7J.!<^R?PZ.'Q\"
M6FW=APEZC@7/LG\.CA\?`EIMW8<)>HX%S[)_#HX?'P):;=V'"7J.!<^RQ.0:
M2\+Z)N#,T2G4;0J-.LB.\VC[9(,!Z],S@^J*GD)J$,R)QBB92YG><JBB^21;
M?=RS+;?)Y;J4JP7_`-O999_#HX?'P):;=V'"7J.!<^R?PZ.'Q\"6FW=APEZC
M@7/LOS,X=G#T)+,..T6TR***LN,--,UCPA86679;6Z\PR^Z$4MLLLMI6M:UK
M2E*4`N?9?PFX>'#P6)R%:31K2]4D5$E*4JI-K-@\].I3GV6FD'D'E0FXLXDX
MNZEUMUM:VW6UI6E?(!<^R^!]T&X;<7:5C])=+-((ZQMUEAC@\ONN6!FEI0EF
M'%IRS%CBOAR=&EL,/.LLMK??;2M]U*4_36E`+GV7YM>A?#7?"6]0RZ8:./"=
MW;+7II/:]=<".!+FS77%66NS>:DAQUBULNO4%TH>76XJM;[:<K]-/*+GV7[M
MV@7#?>+W,IHTHTC=#&1S-97DMNUPP0NO:'DA.E5GM+G8FAIMR!S)2+B3;R#>
M0;:6=9=6WR7VUJ+GV7)_PZ.'Q\"6FW=APEZC@7/LG\.CA\?`EIMW8<)>HX%S
M[)_#HX?'P):;=V'"7J.!<^R?PZ.'Q\"6FW=APEZC@7/LM`Y*U0U;P5L=P])=
MA'6O`.')6X[89`CCA)\5X<QWCV0KH\KT&W<<U;"L>HC'&AR5,RIR:$B@Q+>;
M<1>>E),K;6XNRML6YF)N7:.*R``````````````````````````````````#
M_]#W\``````````````````````````````````"-M[?8E!_G)X='U!]806-
MK)!````$>Y%],F7;/%TG:R7%+$U>(I/$GUV)Q%D+)2%2K7Y*Q\X%L'34(7HT
M$`<5C:C4&EN3M8I1%6%W&7%76EWTJ7XGNKIM=:UN1+J3DZV.J\QM2E,L.;).
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M_P`Q41B&Y'NB64YR];#-T^;T\:6XE:I+D#'44RG#GLPTE2QW+UL<N-4%JKW5
M4E6W+8N&W=64F9T>5<GN^3(;.8/#9U)E$J@L?-M*7E(I.Z8]QQ=,BLJNR"PW
MSYS0=&41,"Y+?T"><G=;3KJK;FVE:DUBG82"````(VV>]MO#H^<F<?3XWM!8
MU*R00``````````````````````````````````'_]'W\```````````````
M```````````````````"-M[?8E!_G)X='U!]806-K)!`````!-T7R3-I8;-<
MB7R&`0S"\%FN18JM0OL0D#G,E[;A]\?H;/),OE1<\8F2*)CI;&G"J$FK*YTZ
M)2DJ[SKKEO,)"L<<=O(LTIX_:YXQRVA?I@3C)9"XBI0X^*D4K;LJ26R)LS@V
MV79&HSH"&)X4I;7DMQ6(5+:6M(N,*KSGZ!3XU.X\80,%'URQ+FAM-72E'"HV
MP+&S'5C]+)1=GJ%:UO38TD%Y+-0-MD6RM/VU,L5.RAL1'HC+UJ(Y8ELJ:!0=
MMNS'$(.<@&3(.:Y9(9<?MJR8QV&.*9Y<$FR6--;9TE;T$?RIY^02R3C(A*2C
MF?6Q+<12]R0%/"8HM.L%,`:]X%2<EF>Y]B*1P.&4<-SCYM*')^@BU-"XKJ1/
M'^*KWI:F:IDX*%=[DW,=YJVU/:?:F567V$><)ZVJ0*<LY<0O`+0W*53@H<"7
M)OOF!KE'BI3AU:XD-,#CT"DLG>FMS09351.9DH$63&8FU%'W)V=SUBJX@I'>
M:0HM*%2N-,H(6)R%:4VP],J)*4)SRZ\HLX@^RTTDTNZGZ+K#"[J5I7_OI4$?
ML`````C;9[VV\.CYR9Q]/C>T%C4K)!``````````````````````````````
M`````?_2]_```````````````````````````````````C;>WV)0?YR>'1]0
M?6$%C:R00`````:GKA>%6RE[E22LC;KI4X=+3*-(90^DPB8.=&<ABJM?H=>M
M,8##E+:E*+6>;DI[7.A5GGU%-+:4!;8RV:RXD:KV4TMLD;@HC=^/;8\JD$YF
M<F5LC?BQW4OD(9FU5(GUT/3-C:Z*[C5%M+N=<JVE>>F*.8(YH7+FWC`V-'ZC
M+:Y,ZLZD?E2Z:-?(=W,GF9`XYLANPBM5?S2JWGBC,I0%L6T*O\I=I)-R>E.8
M,OLN(/&!L:/U&6UR9U9U(_*ETT:^0[N9/,R!QS9#=A%:J_FE5O/%&92@+8MH
M5?Y2[22;D]*<P9?9<&/K=8,/.210VN#$XKFI5(<P/ZEI62!Y5-B@O/REP<<Q
MQM2D/6&%JXC/'AV5+53<;RR"5!]?-J$V6V66%MS)N!H8=6/*CG?(AS[%:/J1
MBEQV2IJ;,4;%)[8\7(8M?)3'FYT6QMX*B;9<H3*##><5H25U;ND"[5=!;=0(
M`````(VV>]MO#H^<F<?3XWM!8U*R00``````````````````````````````
M````'__3]_```````````````````````````````````C;>WV)0?YR>'1]0
M?6$%C:R00```````````````````!&VSWMMX='SDSCZ?&]H+&I62"```````
M````````````````````````````_]3W\```````````````````````````
M```````"2-W(Y,I)@E#;`X7(,AR"*[":<9/,AL5O9+9(]1O#VX&"LKS:QCI)
M'F/,ASFCA4,<%!12A:FL.O)I92^EUU`6-N-[64V^"#<G]A:^>(D"NG:RFWP0
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MW1MKC:G3_:C%"&RRL1R],WM6YN$URDT)RBBT5;.0;????9;97RC43EV-@@``
M````````````````````````````````/__5]_``````````````````````
M`````````````````````````C;3G_W3_.3G#_TP"S\62"``````````````
M```````````````````````````````#_];W\`````,#RG*UD#QCD:<-R9,L
M<(9`Y?*T"1;SM4:I9'8^X.Z5,KH082?YL>>CMM,Y%]M_(K7R5I7]("0L?./$
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M+09A3-:V])T))7F.U\JFW88FTWG[FBIO_33DTO\`)_W>419KK<70?$'ZS]-O
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M)S;XBP,=.@^(/UGZ;>XG-OB+`QTZ#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;X
MBP,=.@^(/UGZ;>XG-OB+`QTZ#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=
M.@^(/UGZ;>XG-OB+`QTZ#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=.@^(
M/UGZ;>XG-OB+`QTZ#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=:?AL]X@,
MORSFC%I<UTZ0FX>MQSS[O?A7-1Y;Y=D".+)$74E+;L(7<AM;2TU"JTNO,YRZ
MM;J5I3^C08;@Z#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=.@^(/UGZ;>X
MG-OB+`QTZ#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=.@^(/UGZ;>XG-OB
M+`QTZ#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=.@^(/UGZ;>XG-OB+`QT
MZ#X@_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=.@^(/UGZ;>XG-OB+`QTZ#X@
M_6?IM[B<V^(L#'3H/B#]9^FWN)S;XBP,=?)C7)6R3/LDVX-SDY8/DS9)L'S;
M*[(]XHA,\A2YM70J>8XB!S4ZDR_(\]3N*1Q3SVIUMQ-$UY5Z;R5Y5+OT#%7"
MU`0`````?__7]_`````#36QGX>\[?N:R?_Y(?`6-P:Y_A[P3^YK&'_DAC`G<
MMR@@`````````````````C;A^_A%Q)_^^_>;,P6=K)!`````````````````
M!&VG/_NG^<G.'_I@%GXLD$`````````````````$;84_%UNW_P#S;]V3J"SJ
M%D@@`````````````````C8W^OX@Z#G?ZSHS39V\PY7_`-+T[FUEZ7YK_P"'
MG_HZAYSR^7R^;6>3R>2OE+\_5D@@`````__0]96N<DX@^?\`7O!.=_M^TVB?
MVUX:QAEOT5[%&;7[T9^TB$,<Q]'^G/X@K-TST-TSYMYWYFD\XYOG.9*Y7(MC
M4U$S%2W+Z#\0?XGM-NXEFW\Q<5,>2>@_$'^)[3;N)9M_,7`QY)Z#\0?XGM-N
MXEFW\Q<#'DL9FF'=]YU#I9"'?:34),U3*,OT5<U#=HMF8EP(;Y"UJFA:<@-4
M\0]8F*6E)EEUQ5QA1MEM]*5NLNIY;:C'A"\.[[P6'1.$-&TFH2EJAL988JV*
M''1;,QS@>WQYK2M"(Y>:FXAZ-,:M-3([;C;BRBK+KZUK;9;3R6T&/&3>@_$'
M^)[3;N)9M_,7`QY)Z#\0?XGM-NXEFW\Q<#'DGH/Q!_B>TV[B6;?S%P,>2U!G
MZ2[_`.`\+Y*S0KSSIY,DF,XFYR]5%4VE^:HPHD"=H+HH/:B)$;OY)"V4Y872
MMEJFYO6VE75I=4DRE.3414_'90"`````#KJQ9*]YLZM,YG41S5J?CZ*-V?MG
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M.N6N*TAL(6N-]I%AR@\VTJEM+S+[J5NJ1MX````!`:"9;BY9S+M%&L5Y7UHQ
MG`L#YEBF)&%LR#K'E++LO>^E=:-?,Y.D@=Y7'-O\+LUG+><T*$2=(2R6<RE0
MEW7G&WWW5H7%0S/T'X@_Q/:;=Q+-OYBX&/)/0?B#_$]IMW$LV_F+@8\D]!^(
M/\3VFW<2S;^8N!CR3T'X@_Q/:;=Q+-OYBX&/):SQKKGO-BST_P#1_:K4]9]H
MV3)5E1[Z9T:R^H\UD,O\PZ21M7F7$';^89B.C[.8+.Y\^WRW<LZ_RT\@N/&S
M/0?B#_$]IMW$LV_F+@8\D]!^(/\`$]IMW$LV_F+@8\D]!^(/\3VFW<2S;^8N
M!CR3T'X@_P`3VFW<2S;^8N!CR69:D9-R%EG#1LERHHAJV>L&9=F\2/SGCZ,O
M<,B#W]@NR^7,&M<@:(I(YID1YCWI"S8[3K5"0Y[<N95*#+;#JV4MI03M2X(`
M```B/)$ZV<DFSCM@_!\^P/C>/Q?`\#RL[N^5L$9!S0\O3S-<@Y-B%6YNK$-E
M,"HF)L;44"*-_K2EYIQJB_\`IV6VTH"XJY<GZ#\0?XGM-NXEFW\Q<#'DGH/Q
M!_B>TV[B6;?S%P,>2>@_$'^)[3;N)9M_,7`QY)Z#\0?XGM-NXEFW\Q<#'DM9
MQ?7/>:)9&REDYNVJU//?LN>A'I(D6Z-9?,:$7H$Q*(^S]")R.(.F6IO.42FZ
MY3SZA3RS:4K9S=O]&HN/&S/0?B#_`!/:;=Q+-OYBX&/)/0?B#_$]IMW$LV_F
M+@8\D]!^(/\`$]IMW$LV_F+@8\D]!^(/\3VFW<2S;^8N!CR7,ZN9&S',';9B
M"YN>\9RF5X$S\UXK;Y7BO'DIQ;'I''GO6[7C.:18LALNROF=R0/*!RS.K;S#
M+'PPA00C),H25==?;43\I6`(````CS8+(.>T>:,#87P5*L0P97DZ)YNE\CE6
M6<2S/,*=,GQ89BM.VM3)'8?G'!1B,YS,R"=>>I/<%5MMJ>RVPFE;KK@6*S;\
M?0?B#_$]IMW$LV_F+@8\D]!^(/\`$]IMW$LV_F+@8\D]!^(/\3VFW<2S;^8N
M!CR3T'X@_P`3VFW<2S;^8N!CR6M>SIO+]L-,V]JC4VDLIC6[%E478;S#T!='
M:RBV6T5525XA'G_3%KE;6RAE%5">9K6VI5;O)?07&J;*]!^(/\3VFW<2S;^8
MN!CR3T'X@_Q/:;=Q+-OYBX&/)/0?B#_$]IMW$LV_F+@8\D]!^(/\3VFW<2S;
M^8N!CR4:_;_Q!_X@_81^U[3;\&W:V^U3L>YMZ[?L<^S_`-!^WG_^1Z5Z8_\`
MM_,__GB+45>=O__1]E_#H_E\:)?)MK#]R4'!9W/]62"`">9$_P`XF69GS$D8
MEIN.F>$XR@V17N1-3&S/DHDCAD>39.C3"RM1LJ0.\99F2-_9:J4.E+F]:M7U
M<DMA)S?0@RY87XP:4;6D1*19!C2Z'75NAV78K@>..[C(RD)$YR+(,(17/JY5
M5&V,KVKCL.CD!D)YRU7=8I7WG-IY:1O4UN(H8*:[E&W$EF,39'S%4*E$=;46
M?-3\69"?Y/:PH'R).^6,L83/ET+4P]W3N%7%M.QCD0E"J>$IWE+5OR,QL\XM
ML4+D`IGVKFP$US>L57.S`R(8=]A^N.3HP^7/!ZB;NY^9(8YR1PLES.DC[9&&
MU0GN04I2QN.O)+OI=R>5:9;:0)A8H(`(VXAOX']H_P!S<P_4+@6-K)!`````
M!&VB7L2G'SD\1?Z@^SP+.UD@@`ZR,3;1YBNB<7FKRQR3)[/D"N-(LGJ_QI/B
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M*EP0```!&VL/MMXB_P`Y,'^GQHD"SJ&\LXY$58HQ1-)\WH$CDYL3<1:TI7(X
MQ,S],.[BB8VA2_JR?ZY#&T#FYE'N2BSRWD("S3+:5K;2@(FW)V8'O%J9XC)F
M8G]]R,TY%U`42@IVQ8GC<>9X+E;9;'V.YO?"G0R(6L+W&9'&GEP;[2[7-]>&
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M$2E*H:5R>IURBB`M>*;WUYR/-LIP:026=L$6CCJUYASQCU`CB3V[/K>I8L49
MFG.,&MQ6'O+(QJ4[LK+B-U5%MEAA)MU**+.8H=YFF$MZ`B-M$O8E./G)XB_U
M!]G@6=K)!````$;,?\P?)_R;8)^^W8L%^?JR00`3L>_3N?Y<GT%8)@;CJ.8M
M:H.H/-;6!E=)5,9%+D3N[T/4&RI`\M*;&J1O3$I:51I2G)<YDK2[%J2U'R5!
M6M<A;H16`3"6PXMB13EQ8F!W?&E'`9BUOCLM/BV2\48JE<;DI*I"V,,.E*&3
MYB:_-D-[FK-O)L/JK\QOMLL,%,&RQN'+XDGF;7&82V$Y5QS!LPN,IA4DD=I\
M"3/^/5VKSFG.]+&6/GR%X2N,(V+:W)LH2F;^<+5&D+BDRDJVTD4Y#-6VY[$E
MRQ`HDNC*'(4<Q5.YU'Y!$9,WS\EF<<8RK&T/GC+*V]=%T[.Q/C6^Y,0EI49A
MBY0<1:<8K(0F6V$F18C_`(7X*R``"-M8?;;Q%_G)@_T^-$@6=0LD$````1ME
M'\<&H7[F]O\`]?UJ!8U*R01,LHD64)CEJ?8X@<T9L;$XTQI`YJF7.<712H^6
M2C(3ID="STD2%:X([T^*F>S'IA:JQO-0/#LL,4%D.+=:@K5:5I^`[V-,CB:/
M($LQVY0_'B6W%#7+)M60M[HD8Y5EG`..<]-*-*R%)2'AS86M%D-,U+%EMMAY
M:TU+>6F-3F*SD`KXY^.;E6RU1CIJ9<5/U'K)4]CL3::NKVG;8PV,TEQ+EG,)
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M]6YPR7+U+<>H2P2F`\"3-GC*I*AYYBFLDR?M5"LAW=*EH4SDYE''8J;DI=3;
M_-^;06G$%$W'G<X)BE=@CIL_Y!W^C9_G:$^M?X_7_]+V7\.C^7QHE\FVL/W)
M0<%G<_U9((UK&LMPF8OZZ.QD^2.Y[<N>VQ0]IX#/K8/>XQM;>V/R%%D8Z,E0
M!R5M3J2:C.+3.9MUJQ.>G\G/$'66!^TQQ7"IVXMKV^HG=*_M*%<U()+$Y=,(
M!*"69S-3*'!CODT#?HV_*&%8L1$*#$)JB])<I3DG5+YTHN^T/D<\-XX=TTF3
MK8]?RY?+V/(#ZXI'N0MKZ;-HW&HM#F25-TB;79(_,+X@C$+;45JA`I3&7$IZ
MTNK=4X^I@8S),'8>7ND4<Y#%WQV<&]_@2IJ-H]9'>"#Y3CI>1(H-+9@0@=E:
M%YD#`N9"[J2!^M/4W<FT@]5?:;0J\KYL1L6`6A1%E&'3V8JJW!V-$<931Z1O
M*MN<L),I"E+BUVZ*-=%#8Y(DZ,\Y.WNR@DQP,3\LKSBXNVMM!EOX$`$;<0W\
M#^T?[FYA^H7`L;62"`````"-M$O8E./G)XB_U!]G@6=K)!&$SC(<2QRB:%LK
M7K4WI`^)XS'FYH89!*I!(']0@<G:UI88S%&M[D3TM)9F9:N/L2I3?-D")0I-
MY!!!IE@8/`&'"\XQM"T4(;"5L`ADC3JHNUGD21G5Q>68ZDJHFJ%S:7ZC=)FA
M_B<J;3B52!S*+4)U1-Y1Y5*VUM!<OW[/6'*J'93="4E][NGE::\DUS?3431;
M.I`CELR/B+<8ZW-\'72:6-R=U6J68I`H/<TY2JZ^J@NPRT7+`9%J?K@[MSS$
M'_'SPY)<FFS5/+5-DDRJK7RM/-8E$X]/VR<S5OD%[HHCTVC>.64AQ1NR^C>[
M*&M+4PLY7:7=47+GI=!\)G3E9"I"Q.=[UL(P32]_9T+Y+$,5E9$;9(FR2!Z>
MF-L?4<=3R\ICO:DR9YM2VO%A24JTI39S%G)&6Y&-VCQJERBK.[V.#A"[&AK>
MT1KFJ=W9JO6-2=>U%/:U>H5N)[@N:C"U%3%)IB@ZPRAM]UU;^54C(P&&9&]G
ML\_P9*/[$7`L;AIO2[\'6IWRT8)^ZV*@3N5+@@```"-M8?;;Q%_G)@_T^-$@
M6=0KAX9VB0M#HP/[6W/C"^-RYG>V1X0IG-H>&AS3&HG)K=&U:4>C<&YP1GWD
MGD'67E&E7W6W6UMK6@(U&CUVQ(C/.5&1]X=U1JB`***I1.I_+U27[+IJBR+`
M4S<IE4H>#VMNC4U;B7`E(FN*37G%TH87?96ME2VUJW88U:DT?6E,\.5.K-%)
MM',?);&F_)YBV!2/%T]3D1EA@M$2JCQ`(SCV<7%*T]S%YBQM5$MJZEY2=)0\
MD9?;(\-:XQ"2XH;W2'+"'B;3^.L$1L1O\TN0O,^QHFR!L?'I+-4Y4BL0R:3-
MKE"GEVJ^/!:YR5N!UUIYQOG-_*&60O"K"V(J82@YT:?D:6$*Z0C#K6TQF;R!
M(PJ&'!V2WHA,P6)4R^^3.B+$N/'Q`5YI1S=+*J*):6T-7TH:/7(W8JPI-I/,
M%11*ES>6+(K2]3=G:YU-D3(@R@CB,`?F!T?(@V21)&*2EKC94==T!QB.IR13
MYLX$UL5UY^HR^UOUYQ.U."1Y;V-\2R!*YNCL=*;)_D.LN>U+U9&"74B62Z^5
M7269M*Y+"6=.8@=U2U#5*U)".:YI.59:2VP8K"8U";7TN,-YK4FD<D>Y<Z(;
M')U4MOI%)G!0\2-Q;&Q:M4M[%<_/BQ0X+"D)28E2XJCU1EER@\XR\,J`1MHE
M[$IQ\Y/$7^H/L\"SM9((````C9C_`)@^3_DVP3]]NQ8+\_5D@C6LNRW"84])
MXX[GR1PD*AKH^58H9`I]D5X1,UZA0C3.SLVX^C,G6,C<X+$9Y*0Y9806L.3G
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ME6Q>8/EBV(/V9<I1MK4K2KDB-S7/UEQBG_Q1RBI@RL4$``!&VL/MMXB_SDP?
MZ?&B0+.H62"````(VRC^.#4+]S>W_P"OZU`L:E9((U9.\*XTR4NN<YA'35K@
M?'ED0<E;:_22,G2"'N!URA9#Y5=&'AF]+HD><:;=5K<_.T%*GG>0JG/G<L,(
MBVLN.(YDG(.3E"'I9WF<U8Y<T-=YKFBC42+C^&8)AIL;4L43NU8FZ*4#3$%9
MR1><WVJT1;PH3$W6%^6I@89*K]6\(*X7"Y:G?$1,11.^3(FA<$&8LB17'T::
M8PXX?=WM6YT3RN*8ZQZQ1'(RMMO3+ST#&A1+#3Z%%V$WG%%RY)1A776#P&:R
MR^(21''XXR,:A\<%S[E*R6(6C6M[E;]#+8XX2%^)E;<AA[B>Y&,QK<>0E6H%
M-M$YAS><3RAEET7P+@RY#$GZ/0=.D;DZ&$.[,AM<I`4TJ_1-7;)8`YR".W.U
MS-(WN'.9UBIK5N9"M6VJ2BKR#"[R"JV"Y?;=KAA?HV*M9$,M;R(+%(3"88J:
M)!*69YBT:QS<JK#6]AD#2^(GUK-9BER@GSDE38J4)E!Q!YAI)IEEPN61X]PW
MC7%5QU\`BZ>/&*(\RQ0\PI>[+C3F"/2.<RUG;S3'5P77WVHY'DI\54,K7GK[
MW"^E]]UMI=MA&S0'39_R#O\`1L_SM"?6O\?K_]/V7\.C^7QHE\FVL/W)0<%G
M<_U9((B]NQ/F5NU[?]8T2>.M:)JQ/)L7P#+B*:.EJM<S)6$^-0)9*&:V-6/S
M5+U[=4BC\H0JC;;#:'K$2NB@PH@HN+MKVFH*B49?BTOE.-L21W$C<\VJUV$V
M8XE_B93BDQ9D*&+I_:VF0R-LUTFE+A+V]#>18GYLIKCB!;4RQ:::F3Q;P^-C
MTJHC7ZW-;G$L=+X'CF_$K]DZ,K"K'-ME<ZBFOVU&-)?,'-J7M1J2:25WE65(
MLHO<W/EK5M&[SDXSGT:?E5+V^R)Z=KXHEPPS-K#!DL?BK?KX;DAOM,,4VRR2
M0:(9X8,HOSO56VFFR]YE*C(K7SR]QOO5NMA9MRF_REVTOBWMJ%CT4GT>Q]`H
MM&XUBJ(R..:Y8-PA()$P4CQ?3:C"6662:S-->8[8V?T:F(;"QI"M0++E[4X7
M)O/[ZKVY73E%W"VPBM-IE:]X^47OD@,B#4BMJD8;I)BHB3XAE%^89'DU=(H6
M]E8"4-[<V/2![2I34<:I'3&RC$@0$W+4AE5*$7MV7"LHVXAOX']H_P!S<P_4
M+@6-K)!`````!&VB7L2G'SD\1?Z@^SP+.UD@C1F6(7,'&6XGR3!4+"^/>-'B
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M:ZWJ5B]<XW66%BX8UC75>F2LG9'R,5A7%T'Q>X.T\(C$-*:3"F%:[OF`\.0U
MNEC4S+X/'&M8F](F-P)O6$H["J&IZF%5.OI4VHNL+%UNP=)L2RO($@E+3%53
MUD6*8942":LYY9\@>)="L:L<+EJ:1J#VE$XNERM^:3W(E;>>=YQ19=6^TLWE
M<JI,J[!&&9&]GL\_P9*/[$7`L;AIO2[\'6IWRT8)^ZV*@3N5+@@```"-M8?;
M;Q%_G)@_T^-$@6=0LD$`$'.&&LPK(I/,?I&"-I;7#:^&9_CLM6R:A[6L86#:
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M``C;1+V)3CYR>(O]0?9X%G:R00```!&S'_,'R?\`)M@G[[=BP7Y^K)!$\O$6
MR/$LOR[)D(CT>G#7D""P**.K.[RU5%'F.O./G2?K&U<B4F1Z0-[E%WI-.JVJ
M2;;DRAM4)+SBB5M5IEJ<J4LU:DY6GD;RLR1I-C]),)8Z;'O2+-*A_7(YU*H]
MEO$>5(7!,7R)*1##+D+)#'*;M33=;<O6(BF6-H5Y%E72ZEB$6RN8Z7M-MV1U
MN-83CJ+NTD?)8DCBQ&E+:;VR`N^HTCQ&WQHBY(V&49T!N6I">Y*TJ:E"3Z'7
MK3><4UY(%LCA6H[+!)4QRN-0R!,#LT/&(E!+HTIBTR]`W1B&K8[/[&LTM!;<
M@42@Y32BRXFI5[N7;2JNZ^MEM*1;3JPZ'R1EQ]'6)TQSAR421J@7#O/<'%51
MNN-73/4B:19?DYBJM7Q(X\RV60YG4(VEQOKR%//7)E=B4BM3+A;(#-*\KW-D
MBJ?+JKI$HFA;M)C_`#_%J:,YTB]^6ZSJ[TN93M?UM]TQ0-!5BE)=(_21*B<3
M#VXDZJ!6:O+%NP+#D',QQC6+PPP]T.N9TZ^MI3PZ-;PJ;2G)V7NY+$G5L<=B
M3&4T1XE?:@;TJ)N2(T*!,2F(LYHJVZM9;-`1MK#[;>(O\Y,'^GQHD"SJ%D@@
M```"-LH_C@U"_<WM_P#K^M0+&I62"```B?9/7.89<F1LPC2U(6H8\*R*.1]F
M<99)&.-2^8TR'!9N@@V3&9EL/;I)B6>MT3/9)`2L3+Z4;7`_FDUQM;;J%B6E
M'G4C*MYKNKCS3!;9!*C=OVR0O\F=43PC2P7-F2MHY_`6V*H3X@LD,.GJ9=F%
MHL<7!I=$:%8W*'%,XE.-6]HY(M7VMF,))B&!&PR67MCX^IW`E8NR(G5&GO\`
MDDTYH;4]K]-B3DR>Q%*6@E)8S\TCKT11O;DE6Y.V(JDL[<)4*"```Z;/^0=_
MHV?YVA/K7^/U_]3V7\.C^7QHE\FVL/W)0<%G<_U9((`````````(VXAOX']H
M_P!S<P_4+@6-K)!`````!&VB7L2G'SD\1?Z@^SP+.UD@B+X7,5EV/\J[&S%[
MGDFDV,9'L117C*.2!8C9&)FQ3(9ZQ-..$T%9U!;&_OZF.LB191S<BER]P<55
MBM*>2W&HTA)?(<`Y[)9539'QKAM$AQ&NEV3U6.7%',&9PD,E@\>CF0,:[(S]
M248C2JFUPD1[#9KV=1I<;5;<GEA2NZZB=HH29?8*<>W[.9F5Q2*+5T2QHV2;
M(G9B=HZ0G<90\,<7C^Q\TF<7*(>3;R69=*G:*-$0L=.61:T%+3UU4%;"+4W2
M"D4_AWV,RJW-$<+F3!#$KA*<MLD(:O0UXE!!;7="]UL.ZQ2=Q<UBJ](I>F^6
M?:!:^)T-EJ.U*FL,:E5ZZV^Y9<*:J:=G<_0]GB$\G,HB$XC[9@'>[*DQBS)C
M=3&%LH<\`YBQI$(*2D?R99(+HHB;FN77V*%-$:LFQ%:H,5%*#JE*4L6HTV<\
M;79N:')-$2<$N;O,Z-.2I<U)K&U8TEY-C&/D.)%1":,MBI\5>A*E^=<I&M)J
M]R7KR6Q0TV*S$QJ5R(Y@5UV$BLL,R-[/9Y_@R4?V(N!8W#3>EWX.M3OEHP3]
MUL5`G<J7!````$;:P^VWB+_.3!_I\:)`LZA9((F!VJXY#V`F>-'^7RN+QJ&X
MLQW,8K'(=)5D.<9.Z2^19(:9!,G&01]2CD;JAB]\70(4[58H*0)SCS#W%.LH
ML;O-B_&G,F;B2G'\(E^2[8M$U\=1R#:N#1R.6NKC=*T$AU>A><Y6HDDD,I:2
MA6Q^;FX2/)M0$%I#VLEQ0FU5JZJ;BTPIRTDV%S=`C)VHED:Q:X-L(<Y+%*W1
MY9*R5;M*&O620;*W*K;7*EY:!C82VU)'JVUYX]ZJI-<Z7-?,VMAPJ'\E;`9I
M1%KE,M8,:W,:9##+5!D762M*\*562X"ZRU"4B,7F7DME(,XMUJ$T^O/W/I*C
MSPNQIO)\S-BTTXW9ZV+=X>_2)EGD*9D965>'Q'H\VN6.ETD6M$2S^[X+0S]G
M7OBJ=HU,@<'$O))MMS@>78HM++-YFA!QQ)Z05#.NV;DA0U%/R7#KE;')I-*P
M:"R$YK=+DL7?K,JTQI1GG2`Q>C7/DA6$6F*24B+H^PM^)OCZ@\@VY,XJ175L
MXPDLFE\'9'^8Q-1"),JJZ)7>.*#RU%4RAI>7%HL7IK[;JFEMS\0@L7I"CZ6*
MR$RHLM186?:99;66?`(VT2]B4X^<GB+_`%!]G@6=K)!````$;,?\P?)_R;8)
M^^W8L%^?JR00``````````$;:P^VWB+_`#DP?Z?&B0+.H62"````(VRC^.#4
M+]S>W_Z_K4"QJ5D@B<<KNCJZY>PUB@^2O,0A,ZCF5Y"]+XXZ5C;[*Y1`3<=7
MQC&J*4IS"7QH)>X_)G]]46,QJ-X/)C5:V*BT9:XI07UA;YG!]@;S*&%L;VIQ
MB.(L@8&Q$\IY9)'A;DN9K,TKX$V(9.RKE-%%;T+#9/TI2.Y58XJ96[H7)#0Y
M`:DY]0*:[A^S>;GYBB\S<HOBTF+O<&:LF+4J%5*ZO:1E6S\J"&1)/>HOJB.=
MCT2BUXL=KJ6D$F67-E4!M*VNHBT-NS6;E++69J8OBVD4I#=BLF7(TZJ5]/%1
MW7/(B&%.$2YTR_S`Y\GS4\D.)#MR;$[,>G,27H%]IEBRRI34&0-CL_)8UGZ0
M0.81B+-\"P-O_,V!N>X<KF[FGG&O6Q$ZQ]&Y#<^.DJ16&)#&E@I<F;+TE[>B
MYWFKBU!)11=L6H;CFVW618"OS$89BPZ;1O!1$C8YN]M#<YQ=+5^C.OZ#--TQ
M/4.#A(*L,3?GIP3LI39:2YJTB-:2[W+CTUAI-*E*CPU-)Q-6.0J)Y#SHJX,D
MI-9&M9>C,:4\Q9+X]'7Y/*$$?5.;RXQ],6N?%#5<0I5GF&GM9BFRZA*@JRT2
MV^".FS_D'?Z-G^=H3ZU_C]?_U?9?PZ/Y?&B7R;:P_<E!P6=S_5D@@```````
M``C;B&_@?VC_`'-S#]0N!8VLD$`````$;:)>Q*<?.3Q%_J#[/`L[62",.,QY
MC\Z7D9!.@T.-GJ4KF$LW,C+*9+TQ/F*EKYDB2W(JO))71BTY/R;3J4Y@Z\O_
M`*+KJ5`S8[Q_':):1^#0YBHA>#9"BHS1EE;*)'\]I7,)[XEHB1$>;O!S$YJ4
M5ZFSR'7)%!I-;N;,OMJ'(4B,4I8B+I&(]2QM*82&ZRC*VTL0$Q4Y2IBY**WS
M;R)2HVH6'&(+;.31'>;?<5R*W75J!1$8HK\VHKC$>4^9KC71)YPRMIWFKD?)
M&Z9'.*;G$UW,+CI>T)'6XZWR&7.24E36O/%V7VAQE,;X[H=8HI`H70\M^?)2
M6=2+,=#K)/)B#TLDD=AGF/+M?I"E4F%KEE*^<*RS+K3;[Z75I4./MQ#B:QI:
MV&S%^.[&)D=+GQE9;85&K6EH>[_)6]X:VZC91&WNE]:4\J@JRPZOD_Z@+;$`
M89D;V>SS_!DH_L1<"QN&F]+OP=:G?+1@G[K8J!.Y4N"````(VUA]MO$7^<F#
M_3XT2!9U"R01ATPQYC_(1")+/H-#IPE;33SVY-,(RRR4A`<I*YA2<B)>D2TM
M*:H(IR+[K*6UOL_17RT`%>.\?KW!^=ET&ARQTE30?'Y0Y*XRRJ'"2,"I/YHJ
M8WY8<BO4/#0I2?U1B91<83>7_1K;6GZ`'*K8Q&G*U78XQYC7V+U)ZU?:M:4"
MJU:L5,-\65*U=IZ<RBE2IC!ES:89?RK[T%U4]:U*KR``R+QHXNXHZ.L1I5_F
M?++,:4%Y=_1R:]&W\JRY/6V[S%(9<43Y:?U1=U;;?);6M`'!+<88U<B5:9QQ
MY!EZ=>QM$87)UL28%1*V-1]51:PQY64>WF6*6-D64H<D27TN3IC?Z1=EMWZ0
M`W&&-3[I1>=CR#'7S?FO32\V),!ETOY@ZY03Z477M]:O_,J+JWV^=\[R;ZUN
MI^G](#*6II:F)M0LS&VM[,SMB8E$VM34C3-S:WHT]E"R$B%"D+)2I$Q!=*6V
M%EVVV6TIY*4H`Y`!&VB7L2G'SD\1?Z@^SP+.UD@@```"-F/^8/D_Y-L$_?;L
M6"_/U9((``````````"-M8?;;Q%_G)@_T^-$@6=0LD$````1ME'\<&H7[F]O
M_P!?UJ!8U*R01P$FB<6FC48PS&-,$L8SCDZDYFDS,W/S4:H1FVGI#S&YT3*D
M=YR4^REY=U;*W67TI6VM*T`<4EQOCM"KCR]#`H6C71%N)9XHM2Q9C3JXPT)[
M#RT[7'E)*&PYE;B"U1MMA":XHJVAEU*6TI=7RAR9$1BB9(2WIHQ'DZ!.A+:R
M$1#*VE)"&PI51<4W$IBTUI):$M;;0ZTFEM"Z&TY=*<K](!;$8I8DJWV1B/6H
M*H7QKJBM96VU)5LDZHM=)6ZJ:B:A-4,A6DV'+B>3S:LVREYM+[J4J`^0R!08
MU0B5FPN)F*FV^6&-RDR.,]ZA`9/51BZ<F(CKD=3$M\S6G7G.U;*VU<3;ZWJ.
M<NK6H#X4&+L9M2U&XM>.X*VN#<PV19O7H(C'T:U#&"R+DMD<1JD[>6>E8;$U
MU2Z([+K4]+*UMY'D_0`YJ-1.+0MKL8X=&H_$V4LXY38T1IF;F)KL4**TN4'V
M-[6F2I+3C[J4K?=2SE75I^FM0&0`.FS_`)!W^C9_G:$^M?X_7__6]E_#H_E\
M:)?)MK#]R4'!9W/]62"`````````"-N(;^!_:/\`<W,/U"X%C:R00`````1M
MHE[$IQ\Y/$7^H/L\"SM9((`````````,,R-[/9Y_@R4?V(N!8W#3>EWX.M3O
MEHP3]UL5`G<J7!````$;:P^VWB+_`#DP?Z?&B0+.H62"```````````C;1+V
M)3CYR>(O]0?9X%G:R00```!&S'_,'R?\FV"?OMV+!?GZLD$``````````!&V
ML/MMXB_SDP?Z?&B0+.H62"````(VRC^.#4+]S>W_`.OZU`L:E9((````````
M``#IL_Y!W^C9_G:$^M?X_7__U_9?PZ/Y?&B7R;:P_<E!P6=S_5D@@```````
M``C;B&_@?VC_`'-S#]0N!8VLD$`````$;:)>Q*<?.3Q%_J#[/`L[62"`````
M````##,C>SV>?X,E']B+@6-PTWI=^#K4[Y:,$_=;%0)W*EP0```!&VL/MMXB
M_P`Y,'^GQHD"SJ%D@@``````````(VT2]B4X^<GB+_4'V>!9VLD$````1LQ_
MS!\G_)M@G[[=BP7Y^K)!```````````1MK#[;>(O\Y,'^GQHD"SJ%D@@```"
M-LH_C@U"_<WM_P#K^M0+&I62"```````````Z;/^0=_HV?YVA/K7^/U__]#V
M7\.C^7QHE\FVL/W)0<%G<_U9((`````````(VXAOX']H_P!S<P_4+@6-K)!`
M````!&VB7L2G'SD\1?Z@^SP+.UD@@`````````PS(WL]GG^#)1_8BX%C<--Z
M7?@ZU.^6C!/W6Q4"=RI<$````1MK#[;>(O\`.3!_I\:)`LZA9((`````````
M`"-M$O8E./G)XB_U!]G@6=K)!````$;,?\P?)_R;8)^^W8L%^?JR00``````
M````$;:P^VWB+_.3!_I\:)`LZA9((````C;*/XX-0OW-[?\`Z_K4"QJ5D@@`
M`````````.FS_D'?Z-G^=H3ZU_C]?__1]E_#H_E\:)?)MK#]R4'!9W/]62"`
M````````"-N(;^!_:/\`<W,/U"X%C:R00`````1MHE[$IQ\Y/$7^H/L\"SM9
M((`````````,,R-[/9Y_@R4?V(N!8W#3>EWX.M3OEHP3]UL5`G<J7!````$;
M:P^VWB+_`#DP?Z?&B0+.H62"```````````C;1+V)3CYR>(O]0?9X%G:R00`
M``!&S'_,'R?\FV"?OMV+!?GZLD$``````````!&VL/MMXB_SDP?Z?&B0+.H6
M2"````(VRC^.#4+]S>W_`.OZU`L:E9((``````````#IL_Y!W^C9_G:$^M?X
M_7__TO3]H7N?B"+:,Z81ASAVV"IRCFI^NK"X*8YH7O-,(\H7-&((<WJSV&71
M'71[BDI9C3T]UR5Q;%JQO7$5M.3'FDWV&71J8S*L>W;A+^X^Y/\`MT<0?PPB
MI4G;MPE_<?<G_;HX@_AA`J3MVX2_N/N3_MT<0?PP@5)V[<)?W'W)_P!NCB#^
M&$"I.W;A+^X^Y/\`MT<0?PP@5)V[<)?W'W)_VZ.(/X80*D[=N$O[C[D_[='$
M'\,(%2=NW"7]Q]R?]NCB#^&$"I2KO%N1B.9:A[#Q1HB&U2-TD.+I*TH%4JT3
MW>@D;3JEJ7F237R93?7F/1",-EE]U*FK7)<D1I[/+<:;9;2M:18C+MS%9```
M``'5+JULW&L8P3)D)=<6[(R9<T[A[_GFO>-]=LM9)AJRQ[WLV-?DUK5,H7&'
MF..AR1*Z6$K"R5%YB)<6<E/M+4$FEV1J8ZI'MLPGJ/W)[GFP?J(*E=.VS">H
M_<GN>;!^H@%=.VS">H_<GN>;!^H@%=.VS">H_<GN>;!^H@%=.VS">H_<GN>;
M!^H@%=.VS">H_<GN>;!^H@%=.VS">H_<GN>;!^H@%=.VS">H_<GN>;!^H@%=
M8I.]T(6L@\R2%X3W!*O5121)K#5>HF?$:4J\]H6%6F*5:F#EITJ>RMWEO,,N
MMLLMI6ZZM*4K4"(ZW%IJ3>GU`U3(,J5=>1K;@PF^X@\E23=>7C"+V75)4IC#
M4Z@JM;?Z-Y=UUE]/TVUK2M*@3N5)`@```#J^QUL`PX>V*X@3`\X[SQ,#WC:J
M`R-.XXFP=DG++$F2GZ':5,]&]U>X%'WUN9Y`6H9##;VY5>4LL2')U%2^84D7
MF1JL1EOCMLPGJ/W)[GFP?J(*E=.VS">H_<GN>;!^H@%=.VS">H_<GN>;!^H@
M%=.VS">H_<GN>;!^H@%=.VS">H_<GN>;!^H@%=.VS">H_<GN>;!^H@%=.VS"
M>H_<GN>;!^H@%=.VS">H_<GN>;!^H@%=.VS">H_<GN>;!^H@%=<9P]W2Q]UU
M>'\I&YMQ$BVJW[D:9N>V]0T/K<ED&^.R3PE;W]D6VEN+!($2=;:4N;E=A2QO
M5V&)U!99Y1EEHG:W`0```!UO3_+S3A[?>8N;S#,L3(B0:A8;0IB,2XLFN6'%
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M````Z]]GLAH,6[:ZBR]TC4_E:&S&.U[/<TXR@LER3*^?<E.O!Q*NV)0]`ZR$
MUI(M;[[5"NQ/<G37WE6FWV5-+I<6-2S_`+;,)ZC]R>YYL'ZB`5T[;,)ZC]R>
MYYL'ZB`5T[;,)ZC]R>YYL'ZB`5T[;,)ZC]R>YYL'ZB`5T[;,)ZC]R>YYL'ZB
M`5T[;,)ZC]R>YYL'ZB`5T[;,)ZC]R>YYL'ZB`5T[;,)ZC]R>YYL'ZB`5T[;,
M)ZC]R>YYL'ZB`5UU5]I2._QO/M:^R_8KH3^%7]G7HMV?LH_:ETIVN/27I_[*
?/1W[0/0#S3_PWI#T?T-TC_X/SCSG^K$^M5_YJ_K_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>g655598g53k27.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g53k27.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0J(4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````+0```+0````&`&<`-0`S
M`&L`,@`W`````0`````````````````````````!``````````````"T````
M+0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!^L````!````<````!P`
M``%0```DP```!\\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``<`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#TSJ>=7T[IV5U"UI=7B5/N<QL;G!C2_8S=^>_;M8L?ZH,ZI8S.ZAU+
M)?>_+O`K;N_0,%3&U7-P:O\`!XS<O[1359]/+JHJRW^IZZS.NY%WUJZQ?]5,
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M@^CF4EAM8]EC?MOIMOLIH;Z&#[ZO6?7^LWT?I$E/6/L96PV6.#&-$N<XP`/$
MN*=KFN:'-(<UPD$:@@K`^LF%TPXYZSU6BS.;BU!N/TJR+*79%A]*C]6:RUEN
M;?;>S#KM?ZU=7^"_/L61]7^HOZ=U'#^K>-DL=@]%P[[NN99_F!=N:YV+1D/:
MQM3<&VU_YWZ+'_06_I<>Q)3VZ2YK%^O.!<W(NMQKZ,5GV<X-CFS9ELR[+<7&
MMQL1OZ=OK78UOH5O_36XWZSZ:V3U?I88QYRJ@VW(.'62X`.R`YU?V9O[UV^M
M_L24W$E1'7.DNZN[HC<IAZDROUG8PDN#-/I.C8U^U[7^CN];TOTNSTD+K'5;
M<*_I^)BL;=E]1R6U-K<X#;2P&_.R8EN[T,:MW_7[:$E.FDJ+NJU#K3.CMK>^
MXX[LJRP1L8P/%-0L,_2N?ZOI_P#$O6-U3ZY-IZYB]&Z:RO+N=?73ER\[F[S^
MDJQJJFV.LNQ<?U,S,MM]+&Q**]EEGKY%=:2G_]#M:?JUGXUF75A]4.)@9N1;
ME/;3CUC*]2\^I=^OO]2M[=^[TGOPOM-=/I4_:/T+$?,^J71LO!JP"RRJBJY^
M0?3L>'V6V5W8]EF3?N^T9#K&Y+W6NLMWW?X;U*M]:V4DE/-._P`7WU:?AXF,
MZFP68%'H8N2RQ]=C#N];[2STBVG[5]H_6/5]'^=4\/ZA]!QL,XUGKY;]WJ,R
M\BY[LBM_J?:_4Q;ZS5]D?]I_36/Q?1]=_P#2/571))*:G3^EX'3:WUX=7I^J
MXV6O<YS[+'G_``E]]SK+[[/Y=MCT1V%BOS:\]U8.556ZFNR3(986/L:&_1]S
MJJT=))3C?6HX1Z8VC+H.59DWTU8=#7OJ<[)+P_'<,C'+;J&T.9]HNNK_`)K'
MIM_J+`Z#]3NC]5P,Z[.K;?7DOMQ,&VIK:6U8U9]/]0HK-E6/4_.;E9.._=?;
M?2^FW*MOLLM6W]</LG[,J];[5]I^T5_L_P"P1]I^T0^/L_J?H?Z-]I^T>M^C
M^R>NM'HWV']D8/[.G[#]GJ^RS,^CL;Z$[_?_`#6WZ22G!;]0<;$HPJ^EYV1B
MVXEWJ6Y5FV^ZUOHOP&,WV!K*K,7$L]'I[FU_9\/_`+BV+-ROJ+A=)=@9MO7,
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MRSJ+F;L[-`!LNN>?6R;'WN:VZUCKW/\`3]3\Q:Z22G__V0`X0DE-!"$`````
M`%4````!`0````\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3
M`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"
M24T$!@``````!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("
M`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`+0"T`P$1
M``(1`0,1`?_=``0`%__$`&H``0`#`0$!`0`````````````("0H'!@4+`0$`
M````````````````````$```!@("``8"`00#```````"`P0%!@<!"``)$1(3
M%!87%1@*(2(C)209&A$!`````````````````````/_:``P#`0`"$0,1`#\`
MW\<"O+L8VYG6M%:06`Z]QAEL7=#:B=%T?J-6\@,4%QI?8*ML5/DHLFP3$.!N
M**I:0@C>ND\D4$@&/*1$!-CR"4A,`$?NB.4[8V'U[Q6T]Q;Q6;!V39UN7C*(
MI8*EB3,"5?4R&QWF&P!='$R=BC8E,'F2&*&R>/G&(R<Y8WY(``0D@*"$+CN`
MX#@.`X#@.`X#@.`X#@.`X#@.`X#@.`X'_]#?QP,,/:AV64O8/=4Q:G0JVDOY
MJ3:\P[KZKZ_:]<B96RZH6AMU>Z5DV^F9&&M*Z&'73FF&5CB+-E"$93"\*S#7
M!00)(>26&V*K:SA%+5I7]05FP(XK7=6PN,U]!8TWAR%$PQ*'LR-@C[2G\V1#
M&6A:T!1?F%G(Q^7S"SD6<YX'O.`X#@?-)>6=0[+V%.ZMI[ZU(6QS=&4E<E-=
MFUM>SG1.S."]N`:)8C0NZAC6EI33`!+4#1GA!D62C,!#Z7`<#SXI9%02HF"C
MDL?!-E,?4RQ/#A/+<&5'Q5$XI&=9)28]E3AW-CZ1W7D)35H2<IBU)Q90AX&,
M(<A7YN7V@T)I_/8G09$9M39';FR&-7(*UU+UNAYE@W#(&5/DXG$ID98E3=&:
MW@92HD7KO#ZN1E8(*/-(+4^@:$(<]TC[/))LYLU<FF]]:>VUI?L?5-6Q*]D$
M$L29U]93?-*8F3QB.MTM02VM5[@P-KLB?#2DRML&:<,DPP0,'"-3JBB`MEX#
M@.`X#@.`X#@.`X#@?__1N^[W>SMBUU/K/1&$6N\5I:^RD7D$HM"35J$;G?T=
MH1*<9&DU=ZUL!*-88LVCVEFAWPN"*\`,!'CA+7H_!!2$"LD/?=372+JYJ9!8
MI?-MZFT:S;A2:7!MQ.$ML!8`]7R!-2=GKJH*[F$F&Z*E4BK2(IR`O\H*$)?(
MI@<XN@E1P1I!%!"#:C=J?O\`_(YZ_4$;;)<GT_UXG5FZ-SVRVU]5ML#F6X^R
M>OLAFRFKE*<I[*:)8=`VP<*&80-(8-`\!4@,%[@M($(6M=GG=OICU.RNB(5L
MH?/GN2WHN<E1#'5S*S2AZ@5?M!Q;<ML^:M*^0,BU/%1OJ@*1(6E"I7.(DZW*
M0@\2(XO@2*MSLQT]IK3^#[P2*RS'NC[98X@Y4H"',3H_V#=K]8:`*Z`UW5]>
MA(322061+#!>W*:1E)S49P#<KA)2DZ@TH(QT7W44;L/U^[);]UU16R:EOU1D
MEB0VY-<G&&1Q'L/'936*9@=Y4VF10,L.:"RVF,2,ES5F&KBQ)$R98`P'N$AA
M/`H-ZD2NSKL1W-W:[D-8LZR:P4CN#*&.BV%YVABMM7S:D?K:BV>(1](HJ.NZ
M\F]+UT^HU1\<2IG=4[O(2P/"-4F1?U*4J3PVNPAOEC3"X@U3Z2M<TG39%V!O
MFDQ8XR.%,LLEB)I2)I')6B'&/TI,B36^O!9RI.V"<W$2`HT)&52C(/5&%,O\
MA/<3<C1CKGD=^Z1QY8NLQGM2O&N:3=-%&2<)Z?J0[\X\2ZQ7B+2%F?FAQ8U#
MBQMT=5&FI\X0%2#*S!A64^#0!5UTD[)VYV.=@EL=G]JZ6;0M2:SJIC6NFOEO
M+1Q-HU:I2@8.SA<;&^-.DUL%CEMDRZT]A&15[E/%F!V2L>1F8,/\PEP@!J*^
MF-=*GLVX-NC8-`89:<R@+,VW)>:Y,F1ORVN*N;E:UN2/\D6F9"V1F.-I.3E&
M"\D$F@2DC4>I[8C)89WZ3W$K>A=?MXOY&^T2!T9<;3M;/`]-Z=D*XQFF`=9:
ML5O4;UVK-I2K$P"TLPV8GA"Z:N(DY*],A9EA#@$P:<A6+@>U_C;7'9B/J7LC
M>#>*\4OX2^MGMFMGU-CV?.,IXW`:ZP[,E?R4E0Y2=T,20N*IK,K:2+4R')I:
M<DM<$98?\V,B#O&CG>C']X]W2M=XMJY:U<:XVG5MIS_4+:RQ#%;.DVB,HF8L
M43M!?$Z^S&\Y9H*9E],4-+FH=Q'C*;O(K3)EBS")&%D>L'8)J5N'%)_.:'MI
MMD40K:^I!K2_R%^;'F#-:ZX(Z2T*5$9BJN9H&(J7A<4SZE,0*&W*DE;@WP*$
M(6!!P$M7&0L#0O9&IV?&=L=),L4MT;;7%S1(E\@<$:!2ZJT+(C4GE*'98E:T
M9RDPH@)@P)RAF"Q@`19P'/[EOFD-=(:;8FP%PU?2$")6%-PYG;4\B]>1C+FH
M*//3-93Y+'1I;CG164F,$2F`8(\[R"\@!>&>!T"/2%@ES`QRN*/C/)XM)V=L
MD,:DL><T3TP2%@>D1#DS/C&\MIZEN=F=V;E):A,I3F&$GDF!&`0@BQG(5L=O
M^W]CZ9Z13>:T&E3O.T]IRR`:]:H101#,XKY1?URRA#%8F2TL#Z$]!)%D:;#E
M[Z-",D\L\AJ,P:'!/J#`$\:T.GD;IF`'WL^1UPLYAK&*G7))8VD&VQ-=/&N*
MH!V&^,*`0?401U3("%BA*3G'F*3""'P\<<"''5WV)1+M#U;+VH@M53ZIHBNL
MZR*^8&R>^V/-E+9!'O#:DF\;<DA*8AS87H@X)1W@4'*!X2KD&1'92>X-#P_8
M?O'8M)N<,U=U%;*QFF[ES1V0S5D#;;^8RTKK30\-#D5B[8;+.;<H*=&*IH;Y
M?9H"0"+4OKR8%,E]7))Y?`I'_P"W'LL_\^/[W>%7_?G['_3?[/?!R_K'Z#^Z
MOK+]L_K/\;Z7X?\`-_Z3V_XOTO#_`&7L?3_P\#__TI2E2/3#47OKW>W)[;W>
MS8+;XI-"V[K<7R^E[8L&IY)4A%>-4:426GCZMKV<())94=SD+64A!X+4*M4K
M-"08Y&F&$!>$[[7;E[TIEM?Z)499VK-4/A)2"1;];@5RXUFZLC.M(1G+UNL&
MI4W1HK5L^9"0+3"V]ZFB.(Q9"L)RH"%Y)"60>$+NQ[JYV)AVL/6'0W5Q6T7L
M1WU$[%Z?VVE3GL'8:%,A?IA"D]B25TO[829K'R/V%8*R065+C5\E!'?=O:S#
M@,*)`(H@DD@*[])>FG<W:G9+MAW"[&WD-A[-)&G8?3'2&97S5KK':E-E!\.E
M<,0[(PNI)`RKB4^OK(%[;R(.:V@6)%R):\+/3-7X*4B#A;IU;?R*-)8MH?==
M8'ZM;R3K3^L;'I.J=9T+%&@0#5=HD[7AM9+IB@YK(**2VG<R]*?D*U]`G&ZH
ME2<@HT#L@&H-`$X>O+J*['+BU"ENMW8A*/U1HZ^[,N_8#;"(T[9S1(=M]N;U
MNUV&H>W2U+%A36=5E1TF<SD-F#XLSG/CJ]C0F)W10G2'>R+"3.@O7WW0:SZ@
MUOU[%7OI-J_2M-!F#*DV2H^-V1>&QD]8IK9DKGSRKB42LYH@E4U7(E1,R5!$
M[N":1FE+P!-+0^&<F<#2!`HNHA$&A<+5RJ43I5$(G'8NIF\W6HW*:3%0P,Z-
MJ.E4O<6]`U(%\HD)B3*MP.(2IB359Q@@%%AS@&`BYV):V6!N+I'LIJU6%BL]
M43"^JS=*S33Q_8E$E9V=DDRE$AF*5<SI%2)4>6_PX:]MP869@:8:O!P<"R7@
M.0ZOJY0\?U=ULH36^+&(U##1505W5*!P0M1;(2\X@L4:XZID`VLM0L]HLD2Q
M`8N48$>>8)0H&(PTT>1&"#D'8]KM:FW&B6U.L=)SV/UI9E[4W+*RCTNEA#B?
M%TY,K2A;)`R2,30D<'5"QR^,G+&=4L3)5BA"0O$H+3*!E8(,#&MMD99-4FTY
MJ].7IG[`=_:VC=/Z!ZL4WK37<SA?6#U;V);E<&5/#)M-I2XF/S[8FUY40953
MLR'.X$ZE@0I#5@D+42D0!$':>SOIB[@8[U#4EIS2FT@=SH74SM`&*<ZU0*DJ
MKIPP4"A"5<9"UD-DIRX<XL8,/D`$9KBE<7+"QU/P6X`3X&G$3@.B/^O?9AKS
MH'N'V67O44=IC:.I.KN'=?>G^INO[JCF?ZZZ[,\JC1=MW5)3VQUD$2'8QB9/
MB5%`:E2HQCCS'A.H&<?C"-*%>#_/0W&LZ>:6T^ZUM^;QZ<M*I\Q7!(IQ2NKD
MJ<'S;W:&-,65PY\>@D)[*S-]>E6&\B3+WE^<VHE:4]2$(,F$H$P,!SV0]C'8
M7N3W6U=N/<W7]M_*M;>L6_)U43QK3J?5\@V!E%*3S\++8L_-\@DD6$PQ.7VH
M[S=H1G.B@:]"U90(4J4GS$B*$M#RVR6R^P_>!VK;(4`;U_VE,)*W4<[T/IU2
M&T>934"+0C$J=(.GL?;796OD"HXMMG7Q]P4N0`".4Y3K!LB(@#J8F29-#]$3
M437AEU(U;UZU@CSXND[/05.U]4Z.3.9!25?(_A$:;F$]_5HR1F$(3GI2C&IR
M0`0@$>KZ8<YP'&>!EM[#MW=DUO:]"+LEG6QLK9_73TUR*2O5GS1H:@)W&06M
M<T&;V9)L[$ZZDYB)JMN.T+'C#5D>`TX//9TRE2_K')M*4I@)PD_W+]R-,D=6
M4(M#5"T7IRJ_?BPOU<3;=1>#3U9#]>("^+U,?O2PY"B!&BI<BG4?AR9W1,;2
M2E(>SW$!RI"$PQN$6,/I*.Q9WU3TN87+1/4]PI/K?TXJ>*$/&XV\\3F]4,$T
M@3*W-#7'&/7;6DD$'O\`NZQ+@?WE(C22-_!"659(EPC!#6!4X.X$>.N3I*JW
M>^FL=E&_,YV3>+G[(5#]L3:M#0K8B9Q;7]71EH3M795#TR\M,>4)I=,:W8:Z
M4,ZI&U.+QE,VEJL(BR082%CX&J'Z3J#Z=_7KZS@_T7]?_5/U%\::OKSZU_!_
M&?@OQ3VWX?XO\?\`^'[/TO1]O_9Y?#@?_]/?QP'`<!P'`<!P'`<!P*NNXK9>
MS-8M%9Z\T8ZACU_W/-JIU>HF4G!3^SAEG[%V`Q5@TSI4H5X,1I!05K?%KPE&
M<6:0)<B(+,!DL8LX"!&N&HE),O850VG=$LY.-=^GJH1WA:KJXJ4SO);7W_V^
M85S##9Q:#B<?ESD-E,M-MD@E2US.]0)2N5(B"2R2$Z8L@-'G`<!P*S.QC?66
MZDG:[TE0-2H[^W,W*L1XK76RI7F2DP^&X^'L8999]I6=)O`]R::SJN(YPN<O
M8)U*]0(PHHH`0B,.*"DO1;4>\)?_`")]H+\V2OEEM^SM<M0J3Q<+CKE&7"@Z
M;8+QNDER#7]'2V-H'AQD%T,,)I-I&[(%<H6K%QHA-2A4`OVB).2&N?@.`X'#
MMCM;*/VYI^44%L;7[;:5/S4Y@/E4&>%[VW-;V;%Y"URQ@RL41]S9W/(6R1LB
M16`(3PAR:0'S8SC'AP.PM+2V,+4V,;(WHVEF96]$TM#4W)RDC>V-C<F+1H&]
M"D("`E*C1)20%E%@Q@(`!QC&,8QP/H<#_]3?QP'`<!P'`<!P'`<!P*K.Z\&K
MQO6;LV7M\IL1%3YC'$@$+*:0L[I=J2SASZ+AIU33#:^N+0W.-F$6?EJ&VD&*
MTI1V<#`<<6GR:,(1^Z$$-?MVO.QR0F3[0S'90K;6=9W'D&ZD%B5;;,+;H'!:
MX&Q!EL/A]BVLU-D-3U,*/EQ_*=\5HSB`GF$X*R(TH`7J<!P'`SW]\P-+S$6H
MQ=P*-U4FZP[%G8-%%76HC)<-YTSR*'AQ;JB`H%:YL;%U7$QS*$4M)6*4Y9J7
M!00&EXR:/`=XZ1L:3XUGL/&I`K]%/,7;+\;CBW'"N!NP+9WV[=\J%M`!>,P@
>$VRT>S]OAI$*/X(\WM,Y4>]SP+F.`X#@.`X#@?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>g655598g88y23.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598g88y23.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0N*4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````*````*@````&`&<`.``X
M`'D`,@`S`````0`````````````````````````!``````````````"H````
M*``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````".T````!````<````!L`
M``%0```C<```"-$`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``;`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#ONE?6?IW5,M^#0VVO,I-PR*+6@.K]"QN,_>6N?6]EMCOT%E+[:[-E
MO^$JLK6NN3ZATBO-^M.30S(LP\X8567TK+KB:;!9=3G[:_YO(QK?U+[5B9'Z
M*WUK/YNVSU5H?5KZSXG66/Q++\<]6Q-S,RC&LWL)8[T_M.*X^ZS%M_1V?\!Z
MOV>_].DIW$E0Z+UK`ZW@-SL%Y+"2RRMXVV56-_G<?(K_`,%?5^<W_KE>^KT[
M$'IGUFZ1U/!=GX]T4,R3AN+](M]08];3MW?S[K*74_R+ZDE.+]8\Z^GZY]&]
M*PM9AU%]U0F+&YN3B=(:Q_N;_,V7?:6?\2MNGKC'_6/(Z"^HLLIQJ\NJW<"'
ML<YU-GL@>GZ5@9^_O_X-<W]8L?)N_P`8/2J:6;FY6-7ZMFL5LP\NOJSWG:'?
MSC\:G&;_`,>KF/=C9?\`C"IZAC/-E5W2<C&#H+1OQLUM=P]X:[VV^HQ)3?Q?
MK;AW_6K-^K%E9IRL5K'TV%P+;@ZNO(M:P0W;;4V[^;_2?H_TBW5Y1U'ZTXM'
MU@ZA?;N9F]+ZRS(:VNEUCG8C:6]*Z@QMK?93NQ:O7_2O9_-+TGH_5J.KX8S,
M>J^FIQA@R*G4N<(:]MM;;/ITO:_V6M24T_K9]9<?ZN=)=FO:;LFQPIP\9H)=
M;<[Z%?M_-_/L_P#2OIH^'UNFWZN5=?R6^C2[#&;<QOOV-]/[18UNC=^QJYN[
MJ71\G_&-=^ULNK&'0<9C,"G(>VMKK\EOKY.747N8U[J\;TJ?3?\`\;_@MZEA
M=0Z?E?XK\BG#R*[[,3HSJ\AC'!QK?]E)].P-^BY)3U^'ET9N)1F8SM]&36RZ
MET$2RQHLK=M=[F^QR,LKZJ`CZK]'!T(P,8$?]9K1>B]:Q>LXUM^.U];\>^S%
MR:;``^NZD[+:G['/K_=>W8_Z#TE)>FT=0HH?7U#*;F6>H\U7"L5'TG'=578Q
MGZ/U*OYOU&?35M4LSJN-AYN#A6AWJ]1>^N@B-H-=;\AWJ%SF_297M9MW_I%=
M24__T-RYC?K)]>6X^74YG2\;"RF,#+',.2:LBK"RJ\UE>W]3;DL?Z>-_A_0]
M6W]#;Z"#F_9F?6JGJ?3L>IF/T[.Z?TCUJVM+075YV/EX]7I?S5=/[2Z?CV,]
MC/7H]/\`P"CF_LK_`)Y]3^T[O5].O?\`LC]H_:=NUL?M?]G_`*MZ7_$_IOYM
M:%/V?_QNJI_9OV?8S^C>O]DV?:!_1]O^4/M^W^;_`.U7[7_X1)35&)GXG2S]
M9OJI2V_(?7DTY&*TD?::6V7MZ?EUM;++\K!]CJ?9ZF1A^KBU6?T=2S_JEU'`
MP,[HW2,5F9T_K%--3M[ZZFXN16UF+;U!];F>I>VVME.8_P!-]N3]KQ_^']1=
M1]7/3_YO],]+T_3^R4;/1W^GM]-FWT?M/ZQZ?[GK_IO]+[UHI*>,;@Y_0/K%
M@]8ZYU0]0;F5V]-LR7L9CUT[O3R\+]#7[/TUN+D5W7[_`.=NQJUS_P!5>M9-
M_P!<,#=BVT8,9E=>18"UCSGVY/6L1PW[?Y_&J9Z7Y[UW?UOV?\V\[?\`8]FQ
MN[]H[OLT;V3ZWH_IM_\`W']+])]I]'TUE?6G[-_S'H^T?L_T-F-N]7U_LL>S
M;]A^P_KW_A3TO?Z7\XDI#]5\&AGUQ^N6*]K;:;GX;K&.`+7"^J^ZUCVGVN:[
MUG*_TSZIOIQNBNS+HSNAV7''?47/8*+O4K^Q?I_>ZMF*:*6V/_2L]!7NF1^U
ML_\`H,^EB_T7^D?1M_IW_`_^5_\`P7JK624^??6+'Z-B?63+K^L&/B?L_K#J
M\AN?E5$[654?9<O"Q\FK;=1G.LHQ;Z??Z?H6Y'^'].N[&ZHSK'2>@9-W3.GN
MLP.J]-=BG(HIV`5X]^3LZAG8[`ST/MG1+_6]5[/Z0_\`P7\VO5<C^:/T.1_.
M?1Y'^K4^1_,6?0^@[^<^AQ_A/^#_`'TE/G]>1U'J5E'6^A6VV4_5K$Q:QBTA
MI;E.M:S)ZO@M+#9NLKPF8C&U>G_3O^%K3=(^L72^C_6GZPYKG[.AY[*<RC+U
M%;KQ17F6X]>_:W[9F5Y3KVT_SMGIK<_Q<_9_^;SOLWV#TOM%L?LWU_2GV;O5
M_:'ZUZ^[][V?9_L_I?HEF7^G^S>K[/\`FYN_:GZ3[3O^R3Z;?Z5ZOZ/]I[-G
MJ?9OT/J>O_VH]=)32Z=]2?K#U(8^7G9@QJXMZK@%F[U,7.RK*,KT+,>W]%=C
M4-J?O;LJ_39.2MG*Z?\`XQ>HWX_K973^GTXCJK7-QO4L&18RRNQS7ON8R_&H
M]-C_`&5._2?S%WK4W?H>P224_P#_V0`X0DE-!"$``````%4````!`0````\`
M00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(
M``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#
M`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`*`"H`P$1``(1`0,1`?_=``0`
M%?_$`&T```(#`0`#`0````````````@)``<*!@($!0L!`0``````````````
M```````0```&`P`!!`$$`00#``````(#!`4&!P$("0`1$A,*%"$B%1<6,4$C
M&%%Q0Q$!`````````````````````/_:``P#`0`"$0,1`#\`WI,TUALB8!2N
M/RV,OL7`-<6.2,S\U.C`$QL4G(G(`GA$J/;@C;UB<PH_&3/4HT`@C]!8SC`=
M-X$\">!/`G@(Y^Q+)K*2<P+$JFFEBQJMC:&X]:]7J_>T;PN81,[_`&_>4(;,
MJ#W5L-*<4B5>UHE*$P9.19#A7ZB",&!`$!M\Y[YF=X:&:^6U=)*EFMAMKM;!
M[]"Y""(])==$O;]3UZJE`"<F"("*SZ[>3L$B]3B`"P6/_D"+P+=U5VYUQW=I
M]JOO5BU&2X*G>'5W8DDK943ZT9)>V$\"=W9G5AE+2Q25B=40C2QB3KD:<[))
MQ1H0Y*-+&()+]NM:J_V)KC4V<7#$8EL/;\1=)Q5]8R!0K:W>>1YF<#VQP,C+
MBK1E1]T=RE20_(&LM9ET.)3G'%IQDDFC`!'>!/`G@+2B/6[2.=]"9/S(B=BN
M;]M!$8\YO#ND:X\I<(`![C[4?()77P)NA.4H@3R(,"?*IS2&E%)TPO<E_($N
M)/2E`RWP)X$\">`NC1BV-_IO9&Y<"WCH:$5>Q5A>)X-6+)KM<:KCUS:_RU7)
MET3/<`#D$CQ_F<*:FM&0[F^YO&8>N"`:`@17RJ08OX$\#__0NKH;J=<FB6Z<
MF_Z06!/)T[;G[VT3L^'F([S>-1VB]IH8RMTGO^VD$$Q(_P".7QBQH;>.MCFO
MDAS:LPUFQZ91EJ5)QDY+0N(:QM*-Y*1WLK!;/:H5/<?ED-=QPVZZ0L%L-BMT
MT!9B'YBGFN;;@B_V.T:?D"M(<$@T0!(W(DK)Z0TXKU%@#(\">!/`G@(E[N/>
M6=AY,$C,"4B>>YW-UM<Q&>[X?P$LSFD@'D_TQD'PA/9"Q9]_[?V_^?3P"1Y2
M+QO=0[9BR2(R,YZ<],DL8`>:6M2+&@>XULF/JE*/`C236YSFQ[N>#&/V^TW.
M/_8)D^HJ8Y0'7GH3K`IPL$U:[]`K%9643@`1:U.2X1B.Q18VG$F"R:0).JK;
M)XP"_4)RHSUSG.<^@`O]CK6>3[<]27H^D+/>H;?.B?'=TWAAQ,=.,1N09-2.
MUYSN2V(G7`TIK9(U<(E#FYMIB,W\HMR;D/NQ\9GH(-??.G:4O=?1?5;:<64F
M'6YZ8ALGEQ*`LHE`BL(AO"RV2V(225"H!*)JG[4Y)B@9'D82RL8'@(L9#@#1
M\!.7=/HZ=S0T`L2V(4>0?L'9BU)2>M+)\9*Y:HM:;IE994I):!!4&N2>NXZE
M6O?Q9(.(4K4B5&;@.%8<^!F@Y?\`(>V.</3#BU>ERRN4R387=&O=_)SM(R2-
M2!?_`%Q,$%"&2R-190ZF"&X.\N-2V+@,@4'&J0C?$2S)1QA'PC$&L?L;(7>+
M<I.BKTQ+3VYU3Z;;!)4R]*:,A4EPZUM(&E0<E/*$`U.I`E7#^,P&<#+'Z"#G
M&<8SX'QN*\SE5@\G>?TNFSN\/\H==8JT"[/D@<W!Y>G@QM:`M*=R<W5U/5."
M]6M1H2S!&&F"R+W?IGT]/`9]X$\">!/`G@?_T=*'5V+1V,[&<<=IG!J`M>*>
MZ-1>C`+RBC,KVV,[IUG.*.4!(/!@P`$2FS,Q$2H`@8P,LG&<##D'H,!*[B63
MK]S<L&HNI4!MF,U'NJSOD3KR2T8D5FB7=%-=S7UI:)Q3LNA;(6I<54EK]C48
M<HM-U*8Q)''!(F1K!C+/0A3@TSG9U+TWZC5S(+"U.L%<^GPI6V-]B5[+V4Z)
MV57BYZ3'JF@$GC1YZL@:!U+2'A2N+>J7M:DU,>44I&80<``#;R8["0#HG_:U
M&V`RM-0;NZT2&40^]J93+3!L,BQ")8M@3W;%,*'%6J=7RLE,L;QHU))QARZ/
MKQ@2*S#P&HURT/;[,==HSR'KW6:RI+71MF-%R[%-=:3-H2N)S4Z1^JTT2D;W
M.IQ&U!:98G<)3&EI;3E(VJ`!)<2CCBLG$"]IP`/ZV-O*,I5OUT?Y[*#4$.VE
MM6#TQ5$Y2(AKHFJGEGQ=^E%9H7UP+,PI9&Z?%L`T+<M&0)+ER5)B#AD_.`7@
M(B^U_+Y=6'/;7JYX`B)<)W1_1'6"VX4E4H5+FC.EL/:K14QLE<WHS2%:U(I>
M3R"ADE&%F&_)[`BP(6,^`6NMM@LG'KGAR]HW9)IL"7VQL5?-%:L/@XJAC:]0
MS[7[J2V;6M.7>;+'%\CQ(87&)\\/X5S@D`M<5.2BA`2&#/&(L!-X0I`1?H3]
MB"`D)R6],W="6Z>DMA(\YP3FT5EQ/PU^"\YS@HMU_#P:'&/0(<^H<8Q@.,8!
M%.Z'127Z)_:EW+GR/7";[AY?M=JTUK9J$@)ZO,H?XW-=:M=K6=2&UN212;J'
ME&C<FQ>J5HP-Q@1IS31B]N`"%D.CXD=4M^]0P/G*:I^0UUW+(XY-K%V#J6MK
M7O5'K5:U/:PVE*V%V9$,S16K2J=ND[>T2&7"6#D@SF=,X&O(<`3$@"$8@_0$
M;).U+7#$<4N;&FFJ5B:W][AR9\0N#RS(709Z8A8>C+R2O$TG.*-0G(6"3E$J
M!D#P']0B#@,37??<S7FNN]7)F`[D.3JEU$U<A0MF)V8QMBZ4@26A8$HGS;`G
M"30],2JR\1^)RNEHHN7?`F5K,LZU<`DDP8OC&!A[F=[>3L5W9T&O=-M3%[0K
MJGZRW/6R)54$;DEC/[5-;"1:]0>`QY4U(&D@YB/D3`ODR_"E2,@H!#&<2+/R
MGD`,!BO3_8^FMC.#VYVQU-31%-:>M[2FS'J!RU$G6I`.B641Y6PH$ZIN<DZ-
MT:75*^J/P5J-422J1+"C2#RP&EC#@"&XULBV/\G.<+>X``6H,TNUU=\`!GU]
MJ:0U?'']#[_T#D)V43F7DP.<>H1^N/\`;P*H[*=))[RKI6B]IFVK4=O4J?L=
M$ZIV3CB8M>1-H]6,YBDR5H[`@3R!Q2L3>^1R61Q"EPF="3T;J)R+1_(C,-`M
M(!JD!G43M&"0JS($])9)!;%B4<G4+D2'!N$3_$Y<SHY!''I)@\LD_"5T9W`D
M\O`P!'[#,>N,9_3P!@WIVHSJSI)MKM)!"HG.9%KO3EJS)H8W)TR?'%4^@S`X
M'-T9E!C,M)7$EE2,L@A>D*.3K?;D101E&B"((=!HOLJ@W&TVUAVD199`'7K2
M%=6*_M\<,/-9H_,WZ-(#YY$D0E2E:J#B'37"]J,`:<<86:C$$1@Q8R+(%9X'
M_])@OV@=_6"-,&NNAU*K9R5M8^;3ZG6RCLR*QE&^0W7AY13YU>J<.E;DZB_A
M55FS1\BBIR8(X8$8E;:RJU:K)*?\?"H'5ZH<M]6--02BZYTKD.R^SC]'',VY
M=T=H7'-F77)&K^(5DR%`T/3YA<FK&O0-!IR<#%'RT:3#>$!2D2L0/E$&6;Z_
M5;?]:=A^1-L0F-'1F(=$=1^F532%)DA2WF/C7KUM=*[LJ>5RM`I"6-QEF(,N
M1)&]T.$>I.83"R"Q_`4/P&D7ASOE5MT]:^SFAIB6"=%]#]_MV++UMF*?)28J
MRVN6WO-[@M#5F8Y"M0(7>M;-562Z)DS>M-+2)75087DU*E7N0C`J9%,*+^R[
M,K3KHZ-OT09*.YG.D"F3#,6AU2.&M.^>UEM`&Y,K\PN[:W*U\IHM9J"C-1J@
M8!^6A<598@$F#&```+MGN!_-<1HMQFN5!)(OV5I^R=6=3JEHA%%).=+'R34W
M?5:8J*\*PF:%KRRN$*EE!1T.$DF3K,"5K5!H<8]#PF"#T.J-%?88M35]NV/W
MV<-<814/,J1U]<`8/KJ\R%\D^US]%+%AC8Z7O(&-*\NT?)+@L0(6/N,./^-!
M1%#69*:"<GC$D!S/V)-EJDKG7ODQL0YR%O<:V:>N^AVP*1^1*2C4:ZLH2QV5
M9+O*D2H/O)&V9BP`#":'(L9PJ!G'J'.?``SZV.V4-V2ZS]X)O"W\"^*7Y9L-
MMVNRU>2\N+]7L$M"Z8I'I&G"3_Q$HP,,^;,F%XR+(/S20Y&/(?=D.!LFOBX5
M]W77^1FDEXS;U+/-@IQA%ZB$8V:!W95>3C,8&9[3,`J\9>,9P#]N,9]/],B!
MQ?6O66ZE^\_)?<S3BD)Y,=D:YV:;ZAN6QXF%B3P5NTLE2!Y56S'+O6K7]I="
MFE,B='%1&E&"5"%(L5.!0A87K&PA2%_YYH3B(]IDW4BKK.:$$"M;6-WH/9RI
MG]0^`>WAY828V&M97`AH4"MC6MX@Q!I*<42\Q$)"-N&I3FJ1+1DIP4]TW8=2
M-?.]M$[)]!855,@T\V0YI6[1P'.\(/&+`KHF\:3G#O:;@UJF^8-2YC:Y`\5V
ML;F]A]GO<')U<?P4V,C4X#D*Q=>8^LFIEV<Y>B$<T+J2KHQN;>];:S;1:/V#
M%8Y;K/2AVVCPZ-5!VM6!L[:G(RHK:JE\7M"&:(&#)3,+"E26A2IP)A*#`0C.
M.A4>U1^O1L1R)F;VI3[;Q[>JV]8W*LG012E]AM10JS8S<LYG9J,E6).Q1QSG
M)*Z/)\#$;E8Y*EAB8)@"3CB`T)=%%UB;%<V.&/+;6">D0:]MZHSJ)(DTK:52
MGY:ZHG6N@(K;$OM`H<=7)']LS$9(A875M.3#(_+_`(A222>69CWA#SAED6UT
MJX)],-']W!$&[YZ`Q"S*RNS#\,YQ?)#+J`0FW#0-MJU*8&%*S,_!7X6\;R2-
M1_-*6U8X^TPI9\`@+GZM&X3#>''"N6V72QJ2O6G;[8-(6$XO2U$TDL$/BAO]
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MLU+3&ET&O"%&1*Y$U3%ABZ!Z;G=`H.1$"<7A.K+*$>49X!%WGL?O+V#BSWIM
MJMISM/HQK);"<R';2[J;J5U_1TV1TJ[DIRIU`]:Z3<W%SE$SF-EQU8I:2WQ7
M\36WIQJ`&!)-.)5IPN7H[J3.]<*RYM;$:(45*;<=.2]A`PQZVUZYA(G-@ZM3
M"FG6C[9BL#3C;7$<IL<F/?QBHE/\(U;B24NP4$U6:448!>\A*VNZO]$:S?=F
M&M9']B;ZEMQ;4W1%ER%0U*(9.-G+:F=UJ(.8T+CU3FS&PIIF21K-1*S1J4AR
M09)F"\@^(L#)K[7&C*GL^YKFK6L8O![+V&40]?=DHC:0QK/LAU@9$@2QA]DK
M>F.`SJ9&C32A:6<Y`3@7+@&`PJ-.P21\8=\X0&"NTK99XZPN).<XC:90BCLR
M<(XSK)6P(U1:LI4D99$I1F.[4F4E+SPF%D'%@&$XS&<9P,7J'A84"B-JP&<5
M?8#&BDT#LB'R6!3:-N1?RM\AB,P95L>DC&O*_P#HB=F9Q.(-#_N`S./`R/0#
M@KMC;EY5WIGT'GK3?7)?2JA[VC.F$D97Q.S6E)'VY<)X37K;:C82Y`<2[%UK
MKI4<7'73+>>QM_\`$H/PPCRI5DDA:S)QQEG&*UM8-L.4]*/FTKW%*=L/4O:6
MF91848K^P+[8+7F@9_7]UN$\7,!L59E=?VNE:2)",ANP83$4*3"<K)2`_P!P
M'C=',.SK'[4\^.IJ1U@"5IH/7RS:9OB,MZ]W3.ZF0/=:WBRP^0Q%.L:L)WV/
M@>KG6HSQJ5"9Q)()29^(TO!GP`\KP)X`%]%^==!=,]?#Z"O@,D9,-4D:I]65
MGP)P3LUD5'9#`%06SS2%.ZI(O2E*PI59Z14G/)-(5)%`\>A9X2%!(+_TYXK6
MY45_0'8#=[IILQT8<Z)<E[YK?`+31.4*K6L96XLSC'!6#(XP?95D%V19#4PN
M9Q+<[*!H?PS#C#_A&=\(R`[SHYP5T`W^;-@+,>:'AD:W%M2I9!$8EL0C<9FU
M'LD_(8@I8!.)1$&&1(87+'!E=&Y`2K7*VL]V4-!(D@50`9![`6%P!YL=!J\V
M7?\`9_I_"\P^2ZGZKU?H'I-#1O\`$I.PLE50Y$2W2B;QDR.OLI&F4+&Z.$$@
M<#591J[,B=2PD$HPI$Z<#JZL<W]JI'+KAW1Y@/,%9]I+KUIFVK&SM)V*I,:8
M#M'5+]$G".PN3('O^3:6Z*["4V8>7B..RU0D2*D(0HE:PA&48G6@HR8_6YWV
MAVJ=65GS\V2K74E1LYJ'KM4'4FDYJ]/Y$:GMHUY'25,KG,)F,&A-DKC79U=)
M"[M+RD0&LR-X1X,]ZLXAP4$A#8IK?0T$U<H&FM<JR2"20*D:VA]9Q?!Q:<M8
FK;(BR(V<#LZ92E$DGO;V:E&L7'8#C)ZP\TP7[AYSX%U>!/`__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>g655598gr1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr1.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`0```0`!!0`#`0$`````
M```````%!`8'"`D"`PL*`0$!``$%`0$!``````````````$"`P0%!@<("1``
M``4#`P("!08(!0L*$`\!``$"`P0%!@<1(0@Q$D$)46$B$Q3P<8&1,A6AL=%"
M(Q87M\'A4M8*\6)R,Y-U.%AX&3F"LM)3TR2$E&48PD-49'0E-455I=4F)W<H
M:*+R<X,TM+5FEL8W5X>7N!H1`0`"``,%`P<&!@T("`4%```!`A$#!"$Q01(%
M46$&\'&1L2(3!X&AP=$R0N%2,[,4%?%B<I+2(Y,T5+1U%S>R4W.4518V"(*B
MPN)#@R1T8Z/#1&0E-64F&/_:``P#`0`"$0,1`#\`_?P`````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````YY>;%<=PVCY<W+:Y+3K];M:XZ/BR3+I%P6W5JA0JY2I::U1D%*IM
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MV]JM>>M;3ARS,S7&9BT1]`#)&5,:X=MIR\\KW[:.-[1:F1J>[<U[W!3+9H+4
MZ83JHL5VJU>3$A-/R$L+-*5+(S))^@QMK6K6,;3A#]`^I]5Z9T;2SK>K:C)T
MVCB8B;YMZTI$SCA'-:8CA/'@LW%7)CCMG2I56C87SIB3*]7H4%FIUFEX[R#:
MMX5"E4V0^<5BH5"'0:I.D1(3LG]&EU:20:S).NID0BMZ6G"LQ,L+I/B?PYU[
M,OE=$U^CU>;2,;1DYV7F36,<,9BEIF(QV8]K-XJ;UJD7.WA4JMJMIOEEQU>N
M)-3=HIT*/F&PI%7^]V)2H3U-33V*ZY+5-:EH-M39(-1+(R,M1;][E_C1O[7)
M?[^^"/TC]$CJ_39U7-R\D:C*FV/9RQ;'%M:+CK0````!K[DGEAQDP]=]'Q]E
M#/F);%OZX)M$IU%L6XK[MV!>51EW)+:@T!N/:SD_[]-%8F/);CN&P3;JC]E1
MZ&*+9N72<+6B)V<>W=Z7/]1\5^&>D:RG3NIZ_29'4,R:Q7*MFTC,GF^SAEX\
MV$\)PP73=>>,*V)D6Q,17GE6P;6RAD],M>/;`KUT4BF79>*81K2^=`HDN4U.
MJ!&XVIMOL0?OG4*;;[EI-)3-Z5M%)F(M.Z.,LO5]=Z-H>H9'2=9JLC*ZGJ?R
M65:]8OF</9K,XSC.,1VS$Q&,PF\EY4QGAFTIU^Y;O^SL:653%M-3KIOFXJ5;
M%"COO]_P\552K$J)%5,E&VHFF4J-UTRT0DSV$VM6D<UIB*KW4NJ],Z-I+:_J
MVHR=-HJSA-\V]:5QG=&-IB,9X1OGA"W,+\@L'\B[;EW?@G*]AY:MNGU!5*J-
M7L2Y*9<,:F5-+2'_`+OJ90'W7:=,7'<2XEM]+:UMJ):2-)D8II>F9'-28F.Y
MC]&Z_P!$\0Z>VJZ'JLC5:>MN6TY=XMRVWX6PVUG#;A.&S:S"*VW`````````
M````````````````````````````````````````````````````````````
M````````'-GS@_\`1F<Q_P#U22O_`+<H@Q]5_-K_`+F7G'Q=_P`-^K?^VC\Y
M1^=S^B_T.BS,S<M*]+I%-E5RB8JQ]#HM8D0H[U3I$2MW#=7WS&ILYQM4B"Q5
MONR-\2EM22>^';[M>PM,;1_E;?N8]<OFW_E8T^1?JG5M1>E9U%--EQ6TQ'-6
M+6MS1$[XBV$8X;\(3=KT:D4[^C1<BZK3Z53H-3K^7;CEUVHQ(<>//K4N!RFM
M6E09-5EM-I?GOPZ7#9C-*=4HVV&D(3HE)$*(_P#V_,GCC;_*EL=+D9&7_P`M
MNMS,NE:YF9K*S>8B(FTQK<FL3:>.%8B(QX1@W=Y^46CV[S!\@&A6_2J=0Z)2
M<B2(-+H](A1Z=3*;"89P:AB)!@Q&VHT6,R@M$H0DDD70A?SXB,S)B-W-]#L_
M'N1DZ;Q?X!R-/2N7D4SL*UK$16(B^BV1$;(CS/TC3X$&J0Y-.J<*)4:?-8=B
MS($^,S,ARXSZ%-/1Y,60AQA]AYM1I4A:32I)F1EH,U])9F7EYM)RLVL6R[1A
M,3$3$Q.^)B=DP_`=@B;6O*SY$\$^;--.HM<?N4%JW70LGM--J^`@P&,BUJS,
MHVVAJ/VH<9M:%$H=U4ME6AJ<8-E.J6EF-3'_`*?,KFQ^3MCCZ=OT3W1$OS_\
M.YFH^%OB#H/C?+Y_U!U3*O7.CA$1G6RLZD1$?<B,O.I&SFORUW5F7[$N=>9K
MBM?!]`L/"E9C*S;RONFW\"X'JM/=*:BE5+(<23)N3*S2HBUK=HF*L91*K<RY
M".YKN@,H,_TR==CFWPK$5^U:<(^OY(QGY'V/X\ZSJ=-T&F@Z'>/UYU;-II=+
M:-O+.=$\^?L^[D9,7SN;=C6L3]J'YV/(0Q99N.O,RY]6'18#=1IF(:+?E@V9
M5:RRU.K<6C6]G,K:;E'.?0MYJ?5*?1F3E+0:3<46A[;##TM8KJ+UC=%8]<OG
M3X`]+T?3_B7U_1958M321J,K+M:(FT5IJ:TC;PF8K&.&'H=HZCYH=<O*Z>65
M+XS<9*SG&U.%-0K5#SA>=>RO;.)6W[CMF)7IUR4+&]!J=OW34[MDTEBV9J3=
MF'2&'G6DDTM27&UJR(U'-:\9=<>2<)VX;<,<(^1[9G?%#4ZK4]4IX:Z7?7:+
MHTWC4YM\^FGQME^\B]<FEJ7MF<LY69&-O=Q,UV3MB9N>V/-0QID'@/5.?6,<
M/9<R!9UL'7F;XQQ1F[/AWO9+MHMO/7=/K;U9N6GT:5;MOQ&VY3DJ`],D+AR&
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MY>:=F,Q$S.&]L;RUR7QBKWG"<,K`S-P[RM(S]2ZM1XN'\TU+)U`H&/JC;,&L
MW56[3O)NS[6JUS2+MA6Q>E.GO0XM2*C369"S5(:4T;:#G-MESJ\NMZ6Y^$X[
M-T\,=ORQL=/XKZEX7U'Q=Z1H.L]'U,^(*VI&1J+9M:Y=J5S+VRLR*4F_/%,W
MGM6MIRKXX\]9C"&I7-_D[EN[O.AXA6E<G%_,5U6E@VDWY5[`X[RI>-9M3S%7
M9$;+=*3FBRX4^\3LS[NGT^W(4F`NL2X50C1Z2]^B9=625T9U[3J*VFEIFF.%
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M/8-SM+F---N3*:Z]`J]'J#U-E-QY;?NU*>B/MN--K:-(NY&?7/K,Q$Q:)PF)
MX2[/P+X]Z7XZT>=FZ/+S-/U#2YON\_(S,.?*MMPVQLFMN6T5G")QK:)K&#>P
M7G<@````````````````````````````````````````````````````````
M```````````````````.;'G"&1>69S',S(B_9)*W/8O^[M$&/JOYM?\`<R\X
M^+O^&_5O_;1^<H_*-Y'7,C"?""E<W<S9IKJ8T!G'.*:5:=HTU^(N\,AW2_7K
MX5"M>T:8^\VJ7,<V7)D*TBT^-W/R%H;3J>%I\VF5:][;N6/EVR^2/@1XRZ+X
M&TW6^L=;OA7W&5&7EQ,>\SK\U\*9=9WSQM/V:5QM:8B'NK'-G"MF>1'$XFNU
M7[ZSEG[).0ZW!M&B2XDMVP[5H^?V[S7<M\.DK6F1ZLFAG#IL8TIE3G'#>0@F
M&EK%$YM8T4Y4_;M-O7,^7:RLWQQT/1?`S+\*3?GZWKM5:T9=9B9RJ4U-<SGS
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M_6'Z/K[^[YX]YR>YRZ1::X\T1-K5K&,>U:<(QG%L)P4J]);_`*.)F0GZK34%
M#PMS(@2B>G14E$F3:MD=42#();I>XES/BVS::5HMSWJ.TC[TZW,F8_0YG'9A
M;Z6]\"YF7'_+;KJVM7&-%U&)B9C9-K9W+$]]L8PC?.,8;W./(++E8_HS.(#I
M1)J/ZN<G9[]P%"6B2JBM2<IY4@1UU1+2E*@D]+K<-"?>]NIR6SZ+3KC9OM=/
MV;?:CUO/M16;_P#+7H9IMC*ZK:U\/NQ.;J,)MV8\]<,=_-';#:WS@^3?'G(_
ME`\7L=V#FC&]YW_4/^;S6&[)MF[*/6[KB4VU,8U2EW))K-!ILJ34J`FBU26W
M%?*<W'4B29LZ&X1I*YK+UMI8K68FVS8ZKXM>*?#G4/A)TCI^AUVESM?,Z2WN
MZ9E;7K%,BU;\U8F;4Y;3%9YHC"VS?$H'S4+_`+#NJW/(HKELWM:5PT:'<%J%
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ME(QC'#ZV/XLS,O\`_P!*="MS5Y:Z&(F<8PB9IK<(GLF>:N$;YYH[8:1T]SB?
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M\MHQC[LXUG"T3$9I%3>`````````````````````````````````````````
M``````````````````````````````````MN[[-M+(-LUBR[\MBW[SM"X8AP
M*_:UTTB!7[>K4%2T.JAU6CU2/*I]0BFXVE1MNMK3W)(]-2$3$6C"T8Q+&U>C
MTG4--?1Z[*R\[29D86I>L6I:-^%JVB8F,=NV&MG_`#`^#!F2CX<<7NXB,B/]
MA&,=2(]-2(_U9U(CT+44^[R_Q8]#F/[O/`7^Q>E?ZKD?P`N`?!@C,RX<<7B-
M1ZJ,L$8Q(U&1$1&9_JSN9$6@>[R_Q8]"/[O/`7^Q>E?ZKD?P$Y:_"KAY9%PT
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M=A''$*;!DQUI<8?B2HMN-/QGF5I(TJ0HC(RV$>ZR_P`6/0T^5X!\#Y-XS<GH
M_3*9M9QB:Z;)B8GMB8IC'R)*VN%W$RSLJ73F^V>.N(J/EF]%55=RWY%LBB??
MU2=KZ'6[@?\`B'8KC<.3<*'W"J#L=#3DXG%^_-SO5K$9.56\YD5B+SOG!?TW
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M:X\85MRQ<F0H].R'9]`QE9U&MN]H4-,A,./=%&IM'C0*TF%\4X;)R&UFRI9F
M@TGN')2(F(B,)W[%[3^$?"VDT>?T[2].T.5H-36(SLNF1EUIF1&.$7K6L1;#
M&<,8G#?#$5,\M?@11[*DXZIO$O"$6RY]ST>\JI0DV335L5JXK?\`C"H<VO2'
M4KG5UFE%4'R8C3'7XK9.K(F]%&*(T^16O+%*Q7''=QAJZ?#GP+EZ.=!7I6C_
M`$2<R+S7W<3S6K%HKS3.,VB(M:(K:9KA:=FUD"M\)N&]RK@N7!Q1XXUI=,IC
M%%IOWGA7',PJ=2(JWG(U+@(?MQ:(=/87(6:&6R2VDUF9%N*_=9?XL>AF9_@?
MP9J9K.HZ3TV\TK%:\VFR9Y:QNB,:;(CLC8I9_!CA;59JJE5.)?'"I5)91R54
M9^%L=S)YE$:;9B%\9(MYR1_O5EE"6_:]A*2).FA![O+_`!8]"C,\!^",Z_O<
MWI'3+9FS;.FR9G9NVS3'9P['LJW![AE7JM.KU;XH<<ZQ7:G,=J%1K53PSCV?
M5YT]]PW7ILNI2K?=FORW'3-1N*6:S/?4)RLN=]8]"<WP+X*S\ZVISND=-OJ+
M6YIM;39,VFV_&;33&9QVXXJ[-/#;BMR+I]L4O-^`L7Y)B65#9IMHG<=K4]Z7
M;5+82A+5(HM1CMQZA3J,26TZPVG4QE=I:H/0A%\K*S(PS*Q,1VK_`%CP=X6\
M04RLOK.@TVHKD5Y<OFI&-*Q]VMHPM%?VL3R]S+%JXJQG8]DT+&UFX_LVU\?6
MP=.5;ME4&VZ32[8HKE)J+-8IK].HD.(U3XLF'5XZ):'4MDX4I)/=WO/:%<5K
M$<L1$0VFEZ3TO0Z'+Z;H]/DY73\K#DRZTK6E9K,6K,5B,(F+1%HG#'F]K?M2
M=JV'9%B,2XUDV=:]GQJ@\F3/CVO0*506)LE)NJ*1+:I<6*B2_P!SRS[UDI6J
MCWW,(B(W+FDZ?H.GUM70Y.5DUM.,QETK2)GMGEB,9V[Y76)9@```````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````#EYYSN9,I<?O
M+5Y+Y=PM>]8QSDRT*;CQZV+SH"8"ZM17*KEJPZ'45Q$U.'/A&<RD5.1'7WM+
M_1NJTT5H96-3F6RLBV97[4?6XWX@=2UG2?"6JZAT^\Y>KRYRN6T;XQSLNLQ\
MM9F)[IV;7S^E^=3YK2%&D^<&8-2_ZWL;<O`R_P#,_P`1?RIKG9<9E)G"?-L[
MMSYFK\2O&%J\T:S,>/\`GK/-9_QX<P?W"Q?YGBY[OOGYOJ5?WD>,?Z9F'^>L
M\UG_`!X<P?W"Q?YGA[OOGYOJ/[R/&/\`3,P_SUGFL_X\.8/[A8O\SP]WWS\W
MU']Y'C'^F9A_GK/-9_QX<P?W"Q?YGA[OOGYOJ/[R/&/],S#_`#UGFL_X\.8/
M[A8O\SP]WWS\WU']Y'C'^F9A_GK/-9_QX<P?W"Q?YGA[OOGYOJ/[R/&/],S#
M_/6>:S_CPY@_N%B_S/#W??/S?4?WD>,?Z9F'^>L\UG_'AS!_<+%_F>'N^^?F
M^H_O(\8_TS,/\]9YK/\`CPY@_N%B_P`SP]WWS\WU']Y'C'^F9CS3YUGFL&7^
M&_E__B]C?S/$>[V[Y^;ZE$_$CQE_3<QYEYU?FKZ[\W\O_P!PL;^9XF<KOGYO
MJ1/Q(\9?TW,>Y'G5>:KX\WLO?\7L;^9X3E[,8F?F^I:M\2?&G#6YBI1YT_FI
MGIKS=R]Z#_06-_-`1[OOGYOJ69^)GC6/_OLQ6M^='YJ!]>;>73_X/8_\T`]W
MWS\WU+-OB;XWP_GV;BKVO.>\TQ7VN;&7#_X/8Y?_`)0$<G?/S?4Q<SXH>.HW
M:_-^9*L><QYHR].[FKEH_#=BR-C_`/PAN*9I/;/S?4QK_%+QYRXQU'.Q^3ZD
MPQYR'F@*^US1RR?SL63_`#2%/+._&?F^IK\WXK?$&N[J6?\`-]2:C><1YG+A
M$:N9N5S/Q+W%E?S2UW%,Q:)^U.'R?4U]_BW\1>7&.J:B)_Z/U+UM?SE_,SH5
M<H]<+EM?E:.DU")4/NBXZ1955H-43&=2XJGUFFG;+!S:;+21H>;2XVLT*/M6
MA6BBIPOPM./R?4P(^,_Q+TFIIGQU/.M%+1/+:*6K.$[K1-<)B=T]T[)B=K];
MWEM^=G@[FDW0\896*DX.Y)R4MPV;7GU`T6'DF:2$D;V-;AJ+I+34Y2R,_N*<
MLJ@@S),=R:1+<353,BTX3LL^K/AK\<>@^-?=])ZOR:#Q-.R*3/\`%9T]N3>T
M_:G_`#5IYMN%9S-LQV_%Q[H`````````````````````````````````````
M`````````````````````````````````#CCY_W^B/Y=?WIQ9^^_&HQ-=_-;
M^;Z8>?\`Q1_X%UW_`)/Y_+?,3?:]XG;[:?LGZ?5](U^CU,Z?,]K\G._ZWQ=E
M9G);;]F49TV/J0Z*)B8QC<SG\$I`````````'](]#$2B8Q>T51.*A[$GX_+Y
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M8QN?;/2NK=,ZYH,OJ?2,_+U&@S8QK>DXUGN[IC=:LX6K.R8B=B_Q+8@`````
M````````````````````````````````````````````````````````````
M``../G_?Z(_EU_>G%G[[\:C$UW\UOYOIAY_\4?\`@77?^3^?RWS&AHWQ4HI+
M.NKB?#[9>K^5]'B-MT_583^CYF[[OU?4R<C,^Y/R*$;EE```````````\TGX
M"-RF8>PCT%6]1,8O<A6GS"-_G6K55;:^GR^@0L6JKFW.@+%J^A(LNZ>(ABYF
M6EF)&FFI[>GT?/ZOQ"F88EJ\+)IB3Z_HUZBB88>;D^A,QY9ITT/;J:1$QCO:
MW-R)B<83D>:1Z:*T/Q28HF)CS,#-T];^=-,5`TZ:*,O21BG")WM;F:2U?L^A
MO1PH\PWD=P0OG]:\*77W6W59D9^]\57(N54,<WXPQVH5][4=M]M5,K:8^J&*
MK!6Q/8+V36XT:FETQ6:SC677^"/'OB;X?:_]*Z+F3^B7M$YN1;&V3FQN]JN,
M86PV1>LQ:-V.$S$_NV\O?S6.-GF!T!FG6C4RQ[G"GT]4NZL&W94(OZRQD1FR
M5-J]G3TIC1;[M9L]3^*B(3(CHT^+C1C4DE7:VQV;I?>7P^^*GASX@::*:2WZ
M/UNM<;Z;,F.>,-]LN=D9E.^(BT1A-ZUQC'IT*GIH````````````````````
M``````````````````````````````````````````````../G_?Z(_EU_>G
M%G[[\:C$UW\UOYOIAY_\4?\`@77?^3^?RWS&B(SZ#2/BG'![T-:]2U]7A]/A
MH)W;5NV9AN1<V(J.HED7Z)P]C+\U74T'ZO1ZAT&CU/OZ<MORM=_?W_6SM-J(
MSJ\L_;CY^_ZU",UE```````````]A'J$3AYE$Q@\R/02IF,7O0O01O\`.M6K
MBJT.?+Y>(A8M56MN_P`8+%J^A7-/:"&/?+Q2;,G33?T;?D$3#$M28\R68EZZ
M;_EZBB8P8]\J+;DHU*Z;_E^6XC<PLS31.])M3E%^=KZC_`*9B&'?3VCOCO5[
M<\O'4OF/41->QC6R(XPN*VKSN"SZ_1KLM&XJS:UTVY4(]7MZY;=J4RBUZAU2
M(LG(M1I-6I[T>=`FL++5+C2TJ+IT,R%,TF>"O36S]%J*:O19E\K59=HFMZS-
M;5F-TQ,83$QPF)?KJ\L_^D809AV_A3S`YL>!+[8M)MODU38"&:;+7JAB,SF2
M@TYE+=)?46A*K]/:*(H]%3(S!$Y*5,3:/M>E]8?#GX\US>3HWCB8C,V5IJHC
M9,[OXZL1L_TE8P_&K'M7?K;HE;HMRTBF7#;E7I=?H%:@QJG1JY1)\2JTBK4V
M:TE^'4*94H+K\*?!EL+2MIUI:VW$&1I,R,5OJ#)SLK495<_(M6^1>(FMJS$U
MM$[IB8QB8GA,;$H"X```````````````````````````````````````````
M`````````````````````XY>?X6OE(<N2]-*Q9^^_&HQ=;_-;^;Z8>??%*</
M`NNG_0_G\M\R5MK7\OY!I7Q%?,5R&M.A?+^$Q,1VL6U^U4*B(?;4TZ6J%EH?
MI(_`R/P4D]R%RF9;*O%Z?:A9C46RKQ>GVH2C6(;N?8BRF3I)QYT-B?%4Y/4V
MXJ-);2ZR;C?PRO=.&VK<C/0CUW,;6.J::8V\V/'9N^=;UOC?H?3]1;2:OWT:
MBD5QB*8QC:(G")QV[)>PL.7B:5&:Z*1I2E1(.HN]R]>J4F4(T$I/CW&1>C43
M^M-+^W]'X6-_>'X:PQYL_P#DYV_/PXO8>&+R+O/OHADE)*(RJ+NB]327:G_>
M6O<7=T/3H>F^FK]::7]OZ/PI_O#\-8S'-G_R<[?G];Q5AJ\4K-)+HJB)1I)9
M5!\DF1%KWD2H*7"3KMN1&1^`?K32_M_1^$GXA^&<<(OGS';[N?K>/['+P[3/
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MX%"/YJXV9?\`U<NHN?[U='G=:^/[G\+$MXQZ1&^NI_DX_A/`^,>6VNM.HYD7
MHK3)_@]SKL*X\3]'M]^V/[F6/;QIT;C74_R<?PG@7''*J.M-I6WHJ[/^YBK_
M`'CZ5/W[?O98]O&W1(^[J?Y./X3^_L`R<WNJFTTOFJC6VG_S8KCQ!TN=G//[
MV5BWCCH41CAJ/Y/_`+S^_L.R.WIW4^!\Y5)H_P`2/$51USIT[K6]#&OX[\.Q
M&V<_^3_[P6(+];^W!A%IK_WP;_V`N1U;13QMZ&#?X@>&(G[>=$_Z.?K>Y&+;
MW3]J)#V\?CDZ_@;">J:/MMZ%J?B#X9G9[S-G_H?A5"<;WBGK%B[>!2TG_P!`
M(_6>DQWV]"B?'7AFW_B9G[S\+V%8%VIZPV"_X4C^%(?K+2\9GT*9\:>&YW9E
M_P!Y/UO+]1[J3UB,Z?\`9"/R")ZCI>V?0C_>_P`.SNS+_O?PO$[+N8NL1K_C
M"/R"?UCI>VWH3'BOP_.[,M^]_"ZN>7)YI?+CR[ZQ#MZEF>5^.TF?\3<F#+IK
M;J(5.:><-<^JXQKSK4Q^PJ\LE*6IIMMZE3'#,Y$4W#2\BF>H::NVO-AV8/4O
M`/Q[GP9G5TM<Z^IZ+:_M9-XG",=\Y=MLY=L=LX1-9V\U9G"8^B+AC*-$S?B+
M&&9+;A5.FV_E6P+1R'1*=6FXS57@4N\*%!K\&%5&X<F9$1/BQIZ4/$TZXWWI
M/M4HM#&=6T7K%XW3&+]!.B=6T_7NCZ7K>DB]=+J]/EYU(M$1:*YE8O$6B)F(
MF(G;A,QCQ9+%3:``````````````````````````````````````````````
M`````````````````X[>?N7=Y2G+<C\:5BW]]V-3&-K/YK?S?2\\^*TX>`M?
M/^A_/Y3YF;;>O@--A@^%[WP5S;/JU/Y?40,6^8KD,^G?Y>!`Q;9C;")#2W1;
M7+7[=J6V[UU[?>TF,LS5TU/N4>A##YHB9C]M/K>3>+LR:=?SHG\7+^?+IY2]
MA1T:GJ1^DB,_$OSE&0F;.9G.[']*.6OVC(D[_P!CMUZZ=YD?T$'/"9SX[)?Q
M22+H6Q=="Z%X:^)&>OT?/TJVJHS8GSO0XV9Z:)T(O01$9GMT,OSM/J(,5<7K
M\KQ6R9_R2/30]-DI(O`MM="\3ZF8E,9L=ZF4A)GLDS+H9JW[2]/H[E:?0"[%
M[1OGR^KUO2;!:&9Z$DBTU(MC+37<O$M?RB5R,V<>/,H9,-MY"FUI1VJ2:7"[
M2-/8HM/=F6AD9J3U\-!'<S<C5YN7:+Q:VR=FWY_,V+P+FYBT'8N.LE/O/V-+
M>;B6_<SJC<FV9(<43<>-+><U4Y0NXR)"E;,)/L7^C[5-<AX@Z#.=S=0Z=7_U
M$;;TC[\<;1'XW;'WO/O]6\-^(=-KZ1H.I[)F-EHWQWQWQQKNF/\`J[T5NP9#
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M\G1MW_Y-SZ/84)F=C*RI]NOGCUOI?>7U_@*<.?\`)DPA^[FW1U&1^1K^YCU/
MV0^&W^'O0_[*TOYFC;\77:@`````````````````````````````````````
M`````````````````````````X]>?DGN\ICEL7_)6+OWVXV&+K/YM?S?2\X^
M+4X?#_7S_H?S^4^:"VWX%\OXQIWP=>ZO;:]!?+^$&+?,[5<VSIU^7S"6)?,[
M&WB&.VB6?TT795K+(C]=)8(S,_!)&7\!#71/M6_=2\K\:S-.OWQG''*RI_\`
MEUP>HFM#+8]SU+;=1EL:E$?@7@702Y.<V,-C^&@]>TM.IJ4?;L@B\3U+3^'7
MUZ"5?/$1B]9HUT)*3).O7;N/0MUGX:Z=/`OK%7-">>(^UO\`+8]7N3Z%UW[?
M47C]?I^GT">95SX^9ZE1S/0D[F?0RU(C^OP]'UAS*ZYO;N\O+YGI4PGM+8^U
M/VC+\Y1[$DB]!?6?S!S1P7XS8Q_;*=;2E&1)TU/70O`O'7T:_P!7T!S]RY7,
MKQW>7EY2]"V4I(M"]CKJ?B?I+7P+P]/S"8MP7XOM_;*"5#1)0IMQ)&E:3)25
M)U2:3(]261]2/T>(J96GU-\F\369B8G?WMLN-/)#]GSL3&&47W9^.Y[J(]`K
MTE9KF69*=,FX\60^X9F=&4K1+:U'HQKV+_1Z&CC^O=!F_-U'I]?X[?F4C[W;
M>L?C]L?>_=;_`&[P7XSI;ET'5)QRN$]G?'#SQZ-F[HQ6+4:4RW(B+;F0)B"D
M0YL<R6Q)C+^RXVO4R^S]I/5*MC''9=_>7B>R'I6NZ5E9F3&?DX6R[QC$\)\W
MT]DL2U>A)C]S?NU&2G#49^!$?SGTU+4;*8V1V.+SNGSEUM7CCBQK6J0RC<T=
M4J(R(MRU\=.NFXS,N8C+C=BY'J&C]JTL252$<=]1)U]VI1J3MT+\@V65:LTB
M(F,<'G>MR[4U69&$\O-O0KB.XM#/0B/77YM1D1N8:.6@R,S+4R[CTVZEOH>H
MD6[/8-Q2E:=-2+QVU,]O7OT&RR<R(B*]T.<ZADS>\W6ZZUVF>WR]7J,9L3CY
MVBO28E1+1IN7R_C$^M%;<)4RTZ[B8VKU;*=:=?G$]R_6V"@D(_1.[?\`2U_Z
MTQ,[F5DV]NOGCUOI:^7Y_@*\.O\`)EPC^[FWAU61^1K^YA^RWPV_P]Z'_9.E
M_,4;?"Z[8```````````````````````````````````````````````````
M```````````''[S["[O*<Y:%Z:5B_P#?9C<8NL_FU_-]+S7XO3A\/>H3_H?Z
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MH-'']<Z%7,M;7:*/XW?>D1O_`&]8XV_&K]Z-L>UO]W\#^.,O']5=3O/Z/;=;
M?-9_&B.,?C5[-L;MG1F[;6<I[B$N(9D,RF&9\*H0WTR:=4X$I/?%J--E(+W<
MJ%(:W2HMR/5*B)23(N9R9M-<+;_FF.V'HO4.FUR;>QA-<RL6B8VUM$[IK/&)
MC=Z)VL`W'3FTFI!%V+W,C\=#[MM_F%YQ75='CE3,,#W%&['B;+N,TI46A%N?
MT$0R]+,1;VIB-KRSK65:G-2(G")6<IH]#0I"O1H9'J7X.HW$;8QC<Y>M+81L
ME1NMJ(NS;M21::=2T+30RZ;$*YM$81Q1A*%>9TUU+8_K+Y>!B]2_I8&=D^A!
M2XO4R+TGT^L]/QD,_*S<=DM'JM+A[54$ZT:3,9D3CYVHO68E1+3H)365.M/B
M7R]0JWKU;=JC?3JVYZ?=K_UIAP9&5;"]?/'K?2L\OXM."_#LO_=FPC^[FWAU
M>1^1I^YCU/V=^&G^'?0_[)TOYBC;P77;@```````````````````````````
M```````````````````````````````````Y!>?07=Y3_+(O32L7_OKQN,;6
M?S:_F>9_&&</AUU&>[)_K&4^:VTUIH1%N-,_/N]\4BTST$,.^8D6V?J](,.^
M8W8;945MV%V$DC/']K*-1>T:2^'=2@U)T/\`2=R=$-E]I7M&-#S1[[,V_P#B
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MU&>FFRM].FOBG;^07AZMPQ9%,R-ZD4QKN?M;>R1%NHRV/T?HR_\`A&*\=O>R
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M/G1UI6VHM]#T,B41D7*86C-POO\`FF.$QYW3^(--&DO-(Y9K:D7BU9QK:+;8
MM6>-;1MB?3M:QU\E.2.Y*2(RU]K0]#T])Z^(JC;LC>\?ZU,3-YB<8Q68XTLU
MF9I,C4K4]C[=#\2]0W>3FY=<FM9F.>*[L=KFJ4O-8G"<,%`^QH9[>)G]/7Z_
MQA7,YMZC,RD4^R1D>WY/ZGXA?K;">]@YF7PG<AGV=-2,MO#TD?Y?QC+I?TM;
MG9/H0$N+IJ9%^3_XOXAGY6;CLXM%JM-R[8W(1ULTF9:#+B<?.U5JS$J):-/F
M$IK;%2/I_1N&7^UK_P!:8F=L,C*M[<8]L>M]*7@!_@,<//\`)GPE^[JWAUF1
M^1I^YCU/VB^&?^'70O[)TGYBC;L77<``````````````````````````````
M`````````````````````````````````Y#>?$6OE1\L"_Y+QA^^K'`Q=;_-
MK^9YA\99P^&_49[LG^L93YL[373;<:9^>69=)M-?+^`@869F)%IK73;;Y=!$
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M[QETQFT]G>W`XS<1E93B1LP9J;G4#"4*2;E#H;?=#N/+,V,LC*%3$N%[R!:J
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M(QA$NM:ZD9;C+K;C"Q>B(?9TUV^7Y1DTOCLE@YN6B7V2,CV+Y?P#(K:8\[`S
M,OA*&>9ZD?3P/T'^4967?CQ:[.R>$[D!+BZ:F1;?B_B/\`V.5FX^=H-5IN29
MF-R$<;,C,OE_5&3$X[8WM;:LUE0O)T0YMMV*_P!:?X!,[ES+MC://#Z3_`+_
M``&N'W^31A/]W=O#K-/^0I^YCU/VF^&/^'/0O[(TGYBC;D7G<@``````````
M````````````````````````````````````````````````````Y$^>\6OE
M3<KB_P"2\8?OIQR,76_S:_F^EY;\:)P^&O4I[LC^L93YNK+7R]7\8TS\ZLRZ
M3::UTVV^6PB98.9?#SI-MO3380P;WQ=!*?$4=G8V=(MU8[MLN[Q/3XM!)3I^
M<9;:_P`>G%ZG,B-9G5G_`#D^J&QZ_DS;,TMZQOT.5Z[/Y\(K<U%VH21)4:=R
M))'JEI'@I2CZ^D]SV(6O>QNC]CR^=H/<SQC"/+9];V%3U'HM9]BB21D23[BC
MMF>I=IG]J0Z?3QU/46?TG"9Y8V=_&4VTN.&,X3ZH^M1KBJ3H9)TUU)">I$7=
ML9%T/Z_:5N>PRHMLC;MEC^XPV^AZUPDMM+4:2-3FW<KVE*]*$:;DWO[1]5F8
MB+>WA$XX>OR]"JVDK&7-YC"9V=\_M8XQ'XT\5(F$GVEF1&XHOMGIVM$9;J(B
MVZ%H7ITTZ$+_`#[HX,2-+AMQ]KM[.WY/V-R$?C=Z5-H2DD-_:5KLDS/VE'_*
M<49]-OHWTOQF3&VV]K<S*R[^QE1A$;Y[/P_L=N$0Y!WW2?N]]"Z=Q;&7<>G1
M6FIGT/\`L2(CS(S-F/'R\OPM=^CUQGECV>S=C^#M[?-A$QSE.)"?>*))DI*C
M26O;HDM/TAF71!&>WB9^LQ7&?-IPCR[EB=#&77WEYCFG&8QV1$1OM/96-U8X
MSAVH!]HT),SZF?::NG;K^8DM-S&9CBU=)M:_+A.'EME`SW6(C+CKZT--LI->
MJSV+3Q/^O/T>`JC&=V^6TTF7FYV9&7DXS>TX;./='<W:XL<2"OIR)EG--.D1
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MMMLB.R=Z`E,+;0YWH41=JR(S29$?LGT,R&7S1:-D[6LG)S<J\3:LQ&,<'TE.
M`A:<'.(!>CC3A/\`=W;PZ[3_`)"G[F/4_:3X8;?AQT&?_P"(TGYBC;<7G=``
M````````````````````````````````````````````````````````````
M`Y&^>R7=Y57*PO32\8_OHQR,76_S:_F^EY7\:YP^&?4Y[LC^LY+YP#+?0AII
M?G#F7XI5IO0BV%+`S+I%IKIZ08=[NCE'@^\L3%SAZ((\>4+N6HNA)<G)-6FI
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MZUKKMO\`+\(OULQ;TPW(A]CJ9%\OR?B&12S$OE\46\UW$>V_X?ZHOUMQAAWI
MBB76#U/0M?E^(95)YMV]@9N7W(]<<BW-*DGOIKMK]9#)KBP[4FLXS&"'E,KU
M3HE1EVGJ,O(M6L3C.&UAZBEK6CEB9V("IQE*CJ+M69]JM2+P223,SZ#.T]J3
M>9F8Y</K:?J.5G3E5BE9FT6Q^1]'3@-MP>X@E_[M6%/W=V^.UT_Y"G[F/4_8
MGX7?X;=!_L?2?F*-MA>=V```````````````````````````````````````
M```````````````````````#DAYZN_E6\J_[V8R_?/CH8NM_FU_-]+RCXW_X
M8=3\V1_6<E\XMAOY?+T#2OS:S;I1I&OR_"([V#F62;+6NGR^1B&#F9CI?1(?
MO<>XF-22]T6.Z-J2"T-Q129_Z/J9:F1:J/P+<QYGU.V'4\^(WSF?1#T/5Y7O
M-+T^TQL_0:>NWEW*MQC5)^RDM"\=2)*2^SVI+?3<B+U'KU,M,/WD8X<6';)V
M85Q\OKX*<X9(W4CN?66B&^G8D_`R_E*+KZ"V$S?'NA1&37*C#?>?F_"])Q%=
MYEL79_;W2+9*M-FVCZ&M/0O1U]&E7/LV;O+>BN5.,[HF-\]GF[^SO^:F>C[I
M0DNTDET26R$F6I%W'L;BB+7?H6Y["N+5F,9W>MCVTL8[)GR\OIE0/QVVR[4?
M:\3T+1)GOKX&I1^OY_017<N;3.,S."C.Y8CDI$1Y;_+S[\%"J*DB4HT'W%HD
MD]#,_!.G7N\?ZTO7TKVS./;Y>7;YF)[OE\^/E\OJ0<AA24K=(N[16B==329Z
M^RE)=30D]R+J?4_`;?+F.6,9C'#T>7%J,ZL5F<S"9V_L1Z=N'&5B7'4SI[!$
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MW<3,3&[YN[N:UW-,-U+BDJ+7O49ZJ/3;T>`JMJ*\LS&.+B-?FYE\8B8QE@&Y
MZFD^]&IFHE&24EKL:M",]2T+8ABVS:WMS3OEPO5=97":5GUL52"49:::&6OM
M?G;^O;I]85M$N2S+6F<>*'=:UU]/XQ?K;@PKTXPC'6M#/;\'7T_3Z1D5MP8U
MJXHUUHSZ%K\NGS"]66-:O!&OLF7VDFG4SW,BT,_4+L7P869C7A.",?C:Z&@E
M&9F>NFFQ>`R]-F9<S/OIPC@P<Z+_`'(03K+B3(U$>JM>IEZORC9Y>9E7B8RI
MB8CL8=JVK/M;Y43R#7VZ$>VO33QT%V&+GTM;#EC%'2&3[-5$9*\"_K?$]!+%
MM6U9PF,%OSVE&TX:2,R]RX6NVA'VJ&5D7I6LQ:<-K#U.5FVCGK69I$88][Z+
MW`HNWA#Q$3_)XV86+ZL>6^0]"TTXZ>D_M8]3]<OAA&'PXZ#_`&1I/S%&V8ON
MZ```````````````````````````````````````````````````````````
M```!R3\]$M?*PY4E_P`F8S_?-CL8NL_FM_-],/)OCCL^%W5/-D?UG)?.5:1T
M+Y>L:1^:>9;BE&6^FWT"&#F72[+?3Y;B):[,NZ>T%DBQMB4^TC6K'E+2DBV2
MHSD2UF7S)UU</QTT'E?5LSEZGJ,-_O/HAZY>L7Z7TZT<=#3_`"K?,J$L*T2>
MO<LC,T:EHGN+7N=46AZ$1]->GSGMKJS%,;3]J>+'MC;"M=T>6,OZJ(25&DE=
MJS21O/J]I31'UVW(G5ZZ$DNGSBJN9C&,]JBV37FV3[7&>SO^J'H<CI0A!)2K
M12M&&"T-6_5U[0M#U/?U].@3FS'8J]U7EX\G#M^7OE'N-[*(S(NIJ49;]-=>
MA:F9Z:>G37IH0KYHK'&96+1:UIW1]'EQ_8A0'"TU<7]HMR[B+1!*W)6AZ]SR
MS/8M].IC+KFQRX;,6#?(KSS;"<,5`]'(U;ZI[3[#(CV2DO\`I9:D:E+49ZK/
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M\>F:3^:Y?[B/4_6+X8_X<]"_LC2?F*-L1D.Y````````````````````````
M``````````````````````````````````````!R6\\XM?*RY4%_R9C/]\V.
MQC:S^:W\WTP\D^.FSX6=4\V1_6<E\YME`T?>_,[-LF([?3Y?.(EKLZZ89;]7
M3Y?@%$M=FW=2[;C%^S+$+ID2E*Q]3D)TZ)),F2HDI/P/57<L_`_H'DG6IG]:
MY^&[WD^J'MD5_P#T7IEYXZ*O^5*L]SV%J7VU%J:C3]A&FI+,CZ$1?83])^&F
MJF8F?,L179,[L?+RAZ%M>SJ3:O=DKV4$7MNN:Z$I1Z&9J,SW/P+;J'-/RD4C
M#N];T*8+N6:C,UF9$ZLMTEH7]J;VW)/YWI/;IJ8KK;",=ZKAA&]2JBZ+<6XD
MB0@]B66ONU'^>LC_`+8YOL737P%V+1QG:M<FW9N\MO?W*)QHE:.&DR(M2;+Q
M26FIN*/\YYP]]?#KI]DCKY\(PW0LWI7\IQC=W?AGM_`LZJORW9].M^WZ;,KM
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MF:3\#,B/YADUOCM:2:X0CGFNI_+^H+];8>9;M&*.=:UU]/\`#^478GC"Q:O:
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M3#AG\Q$K7;Q%43#`U4Q%>?[N#Z'G!,M.%/$LO_=QPS^[Z@#TO1?S3+_<1ZGZ
MR?#+_#KH7]D:3\Q1M:,EW```````````````````````````````````````
M````````````````````````.3'GF?Z+3E/_`'LQI^^7'@Q=;_-;^;Z8>1_'
M7_"SJGFR/ZSDOG1,)Z;=!HWYD9MDTPC33U"F6MS;)EA'0OE\M13+6YMG5FVF
M4_LKP\L]-?U!@D1'T/1]9FI1>"$=W3\Y7J'CW7+VKU?41&&W,GU0][R:<W0.
ME6__``H]<O[[KWAGVZ]A;J/\YQ7J]9GX]"&KQPC;ABL<O/.S'!Y*:5W$1&9$
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M4O@CX?\`2_!NFG7Z^?>]=O'MYF&RF.'LTQW=_?MG;$17/=V5Q3SLA:W-34:E
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MF9^7S:.(M2(PG;$;?E[GT(N"Z>WA;Q.3_)XZ8:3]6/Z`0]9T4XZ/*G_X=?4_
M4_X:1A\.^A1V=(TGYBC:D93MP```````````````````````````````````
M```````````````````````````<F?/)+7RM>4W][,:?ODQX,76_S6_F^F'D
M7QW_`,*NJ^;(_K.2^=3'3T^73^,:-^8F=*;83N0HEK,V4U'2*):S-LZMVVRM
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M',S)X3OFL3P[YC=Y\99+N"K.R#6I:^BEJ29ZF1_UQ]-=2]`JU.?.5FQFZ:9I
MW?L\6QSL[WD6R[UB:<TSAM[=WF8*N"L*6;CYJ]G[)((_P^@]Q@3G6VS,[6@U
M?4:8<L4G=AOW,*7'6.Q#ZE'KIJ1&1D6FQ]3/P&#G9DYNW%R^KUGZ-$UMM:WW
M#67)SRVF36E@C[5.;_I#(S,R2?\`(_&--J,^)_B\N<8XS]3E-7JK9TS6LS$+
M+4P1]341:_+P&+SRYVVBRYO,S,[^Y%JCD1GNKJ?H]/S"XUEHPM,=DHF2SJI1
MZ&7SE\MC&5E3[$+-ZXHQR.9I[C3H6NGHU%ZMXYN6)VL7,R[88Q#U%$]Y[))(
MCZZ_+YQ?I:(MC*,C*QO[>[!7Q*0IX]?=EITUTW/PU]6HR/?5I.[%L\G1^\O&
M'V7LN>JVYC^VZC=-U3V:31Z:Q[UZ0Z>JW%GLU&BL)_2RI<E>B&VD$:EJ,B(@
MRZY^NU-=/I:VMG7V16.[?,]D1QF=D-IF96ET&3.HS\(RZPY!9JS)<.<*^A3Y
M/TBS:6^O]7;<4[J1$7<E-3JO89MR:L^A7V2U;CI5VHU,U+7ZKT3H>3TC*YI]
MO6WCVK_]FO96/3.^>$1YQUCQ!F:K,]G9DQNCLACB'1VVT$IQ)$DOS2(NY74]
M"+U^)C>XN!U/4KWMA2=JCJM+CS6W&R;0DS0I*B[-4F1D9&VDM-S5XB8W,[0=
M1S\F8M:=D<6=>/7(J7C&1'QYD*0Y+L&0XB-1JU(<6X_:+BU=K,26\?<M5OFI
M>C;FZH1GH>K!F2.1Z_T&VIQU_3XC])WVIPS([8_;_P"5Y]_J'2>KTUF7RSMS
M,-L<+=\=EO7Z8=$:I3(TB,W.BK3-AR6N^.^TI*VW$K2E:3)234CN[5$>QF1D
M9&DS29&?%Z>M^?9.$=D[X5Z_3TME^^R]N7;RPGOCL8MJ,1;#;W8DR)27-2UU
M,B)*DF1]1N+4S,S"9PG"'%9^5%,N^76/O3+]_G!TM.&7%(NFG'?#I:?-8-!'
MM&@_F.3_`*.OJA^EGPW_`,/NB?V5I?S%&THRW:@`````````````````````
M`````````````````````````````````````````Y->>1_HMN4W][,:?ODQ
MX,76_P`UOYOIAY#\>/\`"GJOFR/ZUDOG7QD]/H_*-&_,#.E-QR^7X?X1;EK,
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M\=.Z#K_$6N_5G3Z3/-.%K<*QY_-OGAZNX/'WCO87%JTUP*`\Q<&0:NTE=Z7Y
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M%Z./F(2^JQ*&/;NF[>GY/^BKZH?HG\.MG@#HO]E:7\S1M",UV8``````````
M````````````````````````````````````````````````````.3?GC_Z+
M?E-_>S&O[X\>C%UO\UOYH]</(?CQ_A3U7S:?^M9+YV48OE\Q$-%.Y^7N=*;C
MET^?Y?B%$M9G2G6"Z?-_$*):K-EV%L)OOQ+B$R__`&^I23,]2UU?DEVI\>Q)
M)U6?CT'SYXNO6OB#4<WX\_0^P/#&5%_"72HX_H-/\JR?<80TE2U]Q&DC-PU:
M),NXB[DD9[&ZM.ZCZ(3MU'.US9O?V9V81YFXOE5K$1$8VGR\I>-BXZO_`#[>
M[.-L6P/B)GL_K'<3C:BHEGTLRU>DS9"C0R<M+.JDM&HMO:69)U,=#T_0VS)K
M[-KYV9/L4B<)OAOM:?NY=?O7G9$;(QG"%SI70NH>(M;&CT-9C*C[5MU:QQG'
MS;Y=K,289Q_QJLHK4L%*956F()R\;XEI2=9NBHJ22I'8^XA+S-+]ZC9):&Z1
M%J24$E!=1EY>7IHM>MO>ZF(PO:-D;/\`P\N/NY4?OKS[5N$1]!=&Z#H/#?3/
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ME_`B7C))'INI1;^DSZ:J$MA2)F>R%OSX+<EMPC2G=)]ZS+H1EH9%Z=2#U-MH
M]5;)O7;.&.QEC"V<)>-W$6C=C[TBR'S]S3JB\I;SEJK<6?:T\7M+>MU2U:Z%
MJN$9]R-6S4DM!U?I,:B)U.GC#/XQ^-_WO7YW5WM/4LN;9,X:[#;7AF1V?N^R
M?O>??]/3A*II?#KBRXRZV\ROC[B%;+S*TNLO-+L2A*;=:=0:D.-.(,C2HC,C
M(]2'==,Q_5V1CLGW5?\`)A^C7P]K-/`G1J3OCI>FCT9-&SXSG8``````````
M``````````````````````````````````````````/$UH+JI)?.HB_&8#P-
MYDNKK1?.X@OX0'B<F,760P7SNME_T0#Q^-AEN<N-_=VO]F`\?CX/_5L3_C+/
M^S`?S[QI_P#U=#VZ_P"^F/\`9@/Y]Y4X]BGPM?\`LIC_`'0`*I4XST*?",_0
M4IC7;KM[P!R@\\.;#=\KKE(VW+BN+53<:]J$2&5+4?[8\>GHE)+-2CTWV\!B
MZ[^:7\WTP\@^//\`A3U7S:?^M9+YWD?P^D:+@_+W.3<?\WY>)BW+5YW%.Q^I
M;^C\8I:O-W.R>.4DG$>)'%[=N/:.2",B/L)3\U9NGMH9GK[)'L1;F/F_QA?_
M`/LNJK_\3Z(?9_A'*G_<_I5L-LZ&F'IMBR/BK$-_<E+S59./$?=]!I*DKOB_
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MH23U/Y]1JL_51E8X3C#2:O4VPP8;K=15*6XUT29:FHCZ&7A\YC`U>JQKA6?;
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M@H;'*F9C%'N)5J7=H1)+73J22_KB\5:="\`X,JLQALWRMZI1TR&G4'VDGL</
M<M>_4C(R]9G]0<&ZT.??*M$]DP^I?Y=#1,<`^%;*2)*6N+6"6R26Q))&-;;2
M1$1;$1:#I,C\A3]S'J?I[X$O.9X*Z3F3OMTW3SZ<JC<P775@````````````
M```````````````````````````````````````(J:SL>A>LOF\?J_()C>+2
MFL%[6WI/Z#Z]3%<HF,5EU&,7M%HGQT_'^,1WH[V/ZG$2?<?:7U%U\/3XBI3W
M,95B&DS7["3UU/H1Z^!^&PE#%5:@)]OV"]/0BU]?UBJ)4L/5V`7MF2=.NY%I
M^050AA.X(.Z]-?'Q,OPD>Y"J$-6LRXXH^3+%NZP;A29TFZZ-,I$EPR-:H;KR
M27`J3)'J12:7/;:D-G_+:(49N77.R[95OLVC!I/$?0M'XGZ%J_#_`%"/_2:O
M(MES.^:S.VEX[\N\5O'?6'Y/[JM*M6%=EQV5<4<XU<M:LU"AU-HR,DG*@/J9
M4\SW$1KC24))UI71;:TJ+8QR%ZVR[3EW^U6<)\N_>_)CQ'T;6^'NLZGHG4:\
MFMTN=;+O'?69C&,=\3AC6>,3$\5+'/I\_P##_&+<N6SH3D<^GR\10U>:[X<+
M.-^0.6-I6)2Z%)E65ANR;1H4#*F7)<=Q$2$\PAQZ5:%H>^)M-8NJ0TLDF31F
MB-KJLR/IXUK?#V9U'Q-J]7?EC(IF8S:WV*1A&%K_`(UI^YE1.-YVSRTQE]X?
M"SP[J_$WA;IGNYG*Z5E:/+C-S9W8XSC2GXUI[(W<7=>BVQ8>*K.IF,L4VZS:
M]@T1'837LKK%QS>TO>UVY9VA.SY\M?M=IGV-F9Z%J8RH_1HRLS3:2+1IXG&;
M6^WFV_'O,>BM8PK2-D1#Z-TNGT/2]/70:#+]WILOAQM/XUYXS/HA8UPU$B+]
M&9:EH1D:M"21)/I](T>=>^3$329QPX^6QB9N?6V=>UIC;9A*XJKJEPS41&2C
M+34NA:[D,/"MIYIM.,[7.ZW-]J<(XRPM5*B2%*,UDGN,_M'H774M-?$:74:K
MW,SA.,XN<SM5;,QK,1A&QB6K5-Z0XKL3MJ9&K78M]"TU/<QJ\W-MF[]C1YNK
MMF;,(A:JVDJ-7>1ZF>I[^/7YA1MF<985JQ:>:V^45(CI-:M?9(CT(]==O1XB
M&'?)RYO,X(Q:22M22W(C,M?F,7(S;Q&$3L8-XPM,1NQ4LA*EH(DEJ?<1Z>K1
M7Y1F5F9K$SOP0A'VT;EH?<:CU/78C(SU^?<7ZYEMV.Q9S(B-V]$/,GO\OEZA
M56V##M7'9+%V3LEVIB6V9%TW5)[$=RHU*I<<VSJM?J?9W-TVF,+,C6LRT-UT
M_P!$PWJM9D6A'M^E]+U?6=5&ETD;=]K3]FM>VT^J-\SLAJ^HZ[(Z9IIU&IF(
MK7='&T]D?3V./>0+_N_-%U*N6Z7":8:-<>AT",XLZ9;].6LE%#AH5I[V0[H1
MOR%%[Q]9:GHDDH3[GTCH^DZ-I(T^GC&UHB;6G[5Y[9[([*[HCTSX=XE\3Y_4
M,V<S,OA2,8K$;JQW?3.^9^:4I5`3$;2MU!=VB=",R(DZD1Z%OZ]_J&;SQ.R'
MEG4^H9M[81.%9[?+YN'%7O\`30NOAH70M="T(OP$(GO:S+C"8\O+O12TF1>@
M]#/0S^R7751E^<?X/#TBIL8G;A"*<WUT/0M/#[2MOS?1ZO1U%[S;F739O1RT
M^@BT,]"(SV+4RU,_29:ZB6;6W:A)A$GN(C\3(U>)^HO40C&8V0V>GF;83.[L
M0ZTZGJ9_9+7U)(O'T:B[3[48]K9UG@C9!FKH1DC38BV-9EKJ9Z_FZ^(O7PFN
MS97ULS*PB=OVD/*U[5EX^[,MNB2T/V2(6:1C:(ALLG[4=F+ZE?EWEIP*X8EZ
M.+V#/W;VYZ1T>5LRZX=D>I^H/@#_`(&Z/_9FF_,T;CBMUP``````````````
M`````````````````````````````````````#U/)[D'Z2W^CQ`6Q,9^T6G3
M4RT]!BN-L(6?/8U2>W37U[&''NE'<L:I1M25MZ?K(OR"81ZX8XJT77OVWW^O
M?7Z#(50B6+ZQ$V4>GI^DCZE\XF%+$==A?:T+T_3_`%!4AA>OP=E^SZ?#T;'H
M*N*)8-N*G[.:EZ?Q^/J%4(EP2\S7"ATBY+>S=1HG;#N'W%IWH;3>B6ZW`CK5
M;U5?[4['4J4PJ*M1[=T-OQ6-%U;(Y;1J*_9G9/GX3\N[T/B3_FF\#^XUFF\=
MZ&G\5J,-/J<(W9M*_P`5F3A'W\N)I,SLQRJ\;.6T<_E\OF&EG>^,<Z$XPK[/
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M]`H,5:"JMQ5)*.Y,."VK7W<=ON(Y$A1>ZCH/4]5&E*MUT;H^LZWJXTNDC9&V
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MS1N.*W7@````````````````````````````````````````````````````
M"'F,EOZOQ&7K]!?B%42+2G,]3T])']/K]1B91*RZA'^UM\M]/0'>CO8^JL;=
M6GCN73J7AT]6HJ4X<&,ZO%^UMZ3_`"E]!_A%4(8IK4/[>WX/J$H8<KT'7O/3
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M778_UQKDC34O5('D'B+69D9_)2</=WSX^7WLS_VGZ=?"^TV^&'0:3NC08?\`
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M5HPPCN;&L81C;;9%.J-7LIV(OM*TWW]7BH_`OK$1P9>7$1[5M_EY8HUXO=Z=
MNAJ-)F1>"=/$S+[7K/T[$+[/IMVSNQ0TA2C2I)=#]I1]34>^A:::_-Z""&PR
M:Q%HM/R(9P]"/3T&6OJVU(OX3%3:UC;@C'MOJ+KT274C,OQ)^DQ$LNGEY?2B
M)7V7.OV%=3W/8]U>OU?6*Z?;C%LM-OCSOJ5>7?\`X!/##_)>P9^[:W!T>7^3
MKYH?J%\/_P#@;H_]F:;\S1N.*W7`````````````````````````````````
M````````````````````#T2$=R-=-RZ_-_$8"UIK.RBTZ:E]&A]3%R-L(6?/
M8U(]NFNNG04\<$=RQ*G&U-6WK+Y?/^,50CO8YJT74E:%Z3Z?67R]`JA3+%M9
MB:]WL]-2^CP^7@*H0Q#78)GW^SIU$HEA:X(&I.;>D]R]?Y15"&#;A@:DOV?2
M)A2X!>9-A@[7ORC9AH\3W=)OI**-<YM(T;CW=2HI%$F.Z:$DZ[1&"W_.>AN&
M>ZAS_5LCDS8SZ_9OLG]U&Z?ECU/@_P#YIO`WZOZUD>.-%3#2:^/=9^&Z-1EU
M]FT_Z7*B//;+O,[9<W&%[D-1+X_S:OV6\.GS+@GQ1:0?M'C68?S&5S5$SZ^!
MD/#O$V9&7K;3NB<_.Q_E,/H?I?\`##V?AKT*/_P?_J67W5%J<4X2C,TF1&6N
MVNNI&9>G0<GGVR\VT\TS&/9YG1:S.FNHM6N&$8>J&,JN1)2ZCTI/;YE$:=_F
M(:C/O'/RT^S&QKKXX[?/Z6,:B2N\_P#:]=R^6_46):C7<?D]2VG6$'W:)+N/
M3?4_27K]`AJ48XT@EJ(TEKT/<_00*9I69QF-J+>CMFI9$@O3]6GK%43+"S,N
MG/.Q"OM$9K3H6FNQ">:(V<5B<N<9G="*=:T\/E\WXQ*BU<6NN?\`/-HX$MDJ
MK6#35;EJS;S=I6?'?)N?6Y;>B3D2%$2UP*%#<41ORE)/_:VR4X9$.D\.]`UO
MB+5>XR(Y=-28]YF3&RL=D=MYX5^6<(<WXAZ[HN@:2=1J9B<ZT3R4XVGMGLK'
M&?DC:XB7/<EX9=N^=>U[U!53K-04E"6T(4W3Z5`0I1QJ/1H7<I$.G1"5HA!&
M9J49K6I2U*4?T'TWIVCZ/HZZ'0UY<NO;OF>-K3QF>,_)&R(A\N^*?%.JZAJ+
MZG56F;V^S&Z(CA$=D1Y8S,RS/9ECI889G2V^UDDF:6E((B-1Z&6G>G52O2>F
MFAC!UNOG\C6<;]WS[O+Y',]/Z9F:VWZ?K,?=;XB8W[L-^[T;([U^S-"[6VR(
MEF?:E):=C+7YQZ;:*,NOS_0,&D[,9X[Y[?+]AM\^TS?EIA[R=VS"*QQPCAW\
M>U`S4-MMF:S,R4?L-:]JG33MWNGN9)3KL70B]>A"]2;3;EKZ>SS-7GUR\NG-
M><8QG9'WICM[H]$>A9-4-:UFM1]QEVD2.C;9::[^!;%TZF6YC:Y$12O+'RN1
MZG-\[-G,OLK&R(C=$=D?7Q6G(W3U/0SUUZ=WKU/=*/QC*6\J<)QX^7IE%NGW
M]Q?9T+VU'X:>G7Q+P+PZ]17Q;"LQ&U%.;%MXD>GAKZ3/Q(O2?4^@N[&73;.U
M$N*W,BW/H6O0RZ=RB\$IUV+Q!L*1LV[O+RF4:^?NT.:[J42BZZG[1;[_`(Q,
M=K.R?:O&'V802O$SZEZ>B?1H7BK7H0J;6J@D'T_`74S/Q,S\5:]3Z$(F&7EQ
MM0LK9+O39!ZGX%L9=J?2KUBNDX6AL]-P\[ZE?EW_`.`5PQVT_P#9>P9M_P#Q
MO;@Z/*_)U\T/U`^'_P#P-T?^S--^9HW'%;KP````````````````````````
M`````````````````````````````/?8^A@(6:SUVZ;:^H^ABJ)X"T)C/7;8
M]OF$RIGM6346/M;?+3IU\2`]4L?U2-]H]/29>OY=14I8SK$34E[>GP\#]&^N
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M%/U8SD[]?M7/4B/YBVZ#P+Q1>D=1S,K,VQ[[.G_YC](OAAA/PVZ)W:#_`.I=
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M8GCQW1QF.&%=KUX97N^HWK>U2>K-P5ATC>>479&AQ4&KX:F4N(1FS`I4%"C2
MTRC1*2U,]5&I1_1.@Z?I.C:&NCT5(ID4],SQM:=\VGC+Y3\3>*-1U'4WU6KO
M-LZV[LCLB(X1'".'G;!V%8+<9AF?/93V[&RT9;GVGW:D2DEVZZ:F9]"Z[Z$-
M)U/JN$SDY?V]V/K_``M5T;I6;JH_3];&-+;8B=\]GF9,D$6Z4Z$@C,D]OLIT
M2>NC9&7LH3KN9_.>^A#3Y5IQYK88SY;?J=%F5PKA'V8CAY;OGGBMJ4;;"E+<
M)6NFK:-#+O69Z(6I.Z^PM^U/VE&>IC95MSUPI/L\9\N/J:35<FFQMF[+SMP]
M7X([=JTY7<M;BS46N_O'3,C2UZ$(U]E3VA^M*/6?7+K/+&%8_#^#YY:2T1>)
MM;97';,[HB/I^:O?.^TZLX9EHDB2A)ZDCJ9Z]'7CZD1^@]U>(V&FB:XX[_+9
M#2]5PF8BNR.$1V=O=CVSMG?W+6>(S+KIU/4_#33<_`M/#T?.,UKJ3&.Q$N&6
MZ2+8M2T,RU,_29GJ1'^(O6)X-A3MGR\O+8B7C(B_E*/8SU/3T:>DD$?TJ,3$
M3CL9^7$X]WE\_J13GL]VNNVIGTU-6GU;%T+H1"[,;)QWS#/IC-HPWH=_3[1[
M%IH1>/CT^H7,N(Y)Q;*F..'%#O;::]35[*->OK,]M"]?B%-DPV&5/9NPWJ!T
MBU,S5J71:R_UC>G0BZ"_;[,[8F>/U0RZ3PC?PCZ90\HR['-M#)!D2?!/H^D8
MW!LM-LG;VOJ5>7?_`(!/##_)>P9^[:W!TF1^1I^YCU/U"^'_`/P-T?\`LS3?
MF:-QQ==<````````````````````````````````````````````````````
M``"FD-]Z=?1L?S'_`%?P@+5FL?:VWWU_*+F]"SJ@QKJ>F_CU\/H$=R.Y8E2C
M:DK;<M3+\GKWV$PCO8YJT34E'IL6IEZR/KK\QBJ%,L5UJ'J2MO3ZM?0*H0Q#
M78.R_9])D*D,*W!3]27MZ?XOJ$PIE@VX:?J2_9])?CT%7K\O+TH?GH\QC#)V
M-E*%D^DQ?=4#)B7/O4VD=K,2]:6TVBH$O0NU!URG>[E%XK>0^?@.<ZKD>[SX
MSJ_8S/\`*CZX]4OS^_YG_`OZF\3Y?B[14PZ=U2)]YA&RNII$<^/"/>TY<R.V
M_O9X/T&<,'._A#Q;+74FL:FC?J1KN&J._5H8^8O%>;EQU'41:(YHU6;'R<V.
M#Z"^&/\`AST:.S0_]NS*58/](\^E6B=4DHNBCV[>GT#C\W.RZS%<(Y.'<Z2;
MQ?+G9NG!C6KO^RYHM1&>FVNYEJ7SZC$S-32)Y8^RU%\>98;R"<)6Q&9GJ1J\
M#UWWT]`P,R_->9KLA@9\1-YBT;$3(9,C61=NOL[[_P!;XZ:]!=R[WBD1C+!M
M2D6V1".=2:2T,MS_`#M!D>^PK$?>8]J8VG#<B'F3W]/I_C]`HQ6K5:C\HN3E
MK<>+>0TE$:X,DUZ,XJU+-)T]DGW-E<%Q&R?O8-`C.D>A>R[,6DVVM")QQOKO
M"OA76>)=3LQR^FY<_P`9F?\`8IVWGT5C;/")Y#Q7XIT7AK1S;,F+ZZT>Q3'_
M`*UNRL=FR;3LC9C,<(ZG4KNRA=M2O*]*K*K]SUV3[Z=/D;)0@C_00H3*2]S!
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MC#*B/9B-\]\]_9'#TS%GS25HLE*T4O0^TS/1.FYJ<\3/T;%I^`;"(F=D0Y_/
MPIC;-MCF3PC;/R]L_-'#!;TASOT2C9!?-J:OF/I_`,B%C(RYK;&WVD,^9;$G
M8BU(S\/41:;F?X15#99<=NV4:X?8:3).IGKVIZJ4?3PVUT\>B2%W=YVPKCA,
M3/G[D8_[/<I9DIP]NT]TI+0BT+TZ>GTB=K,R)C#9]GYY0;JC,U>SW*+8M=22
ME)%KJKPT$MC2-VW"/G1;Y;&H]S/?N\5'_6Z=$B6PR=L\L(U:M]-M=-B+0^T]
M#\.AJ_`0CBS<NNV)V[_+RXH:29=KF_4E:>.IZ::)UZ_.)F)G9&]L<F)YH['U
M+O+O_P``GAC_`)+V#/W;6X.CR/R-,?Q8]3]0/`'_``-T?^S--^9HW'%UUP``
M````````````````````````````````````````````````````/X9$9&1]
M#V`04UGKMZ2/Y]3W^8Q56>`M"<R1]Q:>KZ?J\2$SVJ9[5E5"/]K;T_@Z[`3\
MTL?U2,7M;>G\/7Z#%2EC"KP]261EZOH/H8JQXJ98FK<,C2YMX']9=3^H50B6
M&Z["^WJ7I^GTB4,(W!`V<]G3K]&GK%2&D'*;#4?,^)KML?W;7WP]%^][4D.$
M1?!W52$N2:29+,C-MN:KOB.G_M,E0L:K(C4Y%LK[T[8\\;G`_$SP;E>//!FL
M\/3%?TRU/>:>9^[J,O&<O;PB^W+M/XM[-@^&#\EGAKQWI;S#S<REV(Q%F1'$
M+3(BR45&H^_COMF7<AQIXC2HC+91:#XM\8VO^O=;E1$^\KK+XQV8[>#SSX<U
MOD>`^E:?,B:YE-)RVB8PF+1>T3$Q.V)B8PF)W,OU@I:R4:(LCVU:J(FU]#U/
MT%J9&.8K&9]JU9GSPWV?F9EOXN(PPV8QCMA8DN'*-237%?,C7J?<RL]"T/[7
MLF6@L9M+7S.:*3&SL8-:VV\T;<5O3(#Q.+6EA1)T3[*65EX$1[$G3746^2T?
M=GT2HM2LSC,1Z$*_&69*U941GIN;2B,M-.NJ?4$<^[;$?*P,ZD<\S$;/,A7F
MM-4J+0C\#V,OK%<3PG>P[UP:8<KN5-O<>:']TTQN)<F5:Y$4Y;=LJ7WQ*3'>
M):&KDNKW2B<C4IM:3]Q&U2].6G1/:V2W$]QX0\(ZOQ+G^]S,<OI.7/MYG&TQ
MOIE]MNVVZL;]N$3Y_P"-O&O3_"FEY.:M^K7KC3+W\L?CWC?R]E=]IW81C+@U
M->NC(MTU2[KOJLVXKIN"=\54ZK,63C\EY6B6V&$D1-QXL=M)-LLMDEIEI))0
MDDI(A]&:3(T72M'72:6M<O2Y=<(B-F$=LSQF9VS.V9F<9QE\@>(/$^MZGJ[9
M^?:V;J<VW'?,SNQC=$1PB-D1'"(V;-8_Q\S";8FS4)0LB,T-KT+KT/N7J@DE
MIU/7TZ="/G.K]:YHG39&V9\O.O\`0/#V=?-KU#71//V3LC#ACY_5P9@DNI)*
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MO+'CP[6!G:B--CF9DUG,B(B.[Y.WNW1OM..$+/FN>\6?>LM-"/3O(U'_`&:B
MVU_`7@-M&YS-YM;.F\SS6GCOC\*WW5D9*5W$2?'<B_U*.FFW4_`50V,>S[,;
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MG0_0.BR_R=?-#].?`'_`W1_[,TWYFC<@5NN`````````````````````````
M```````````````````````````````>"FT+^VA*OG(C`>A4*(O=<9A7SMI/
M^`3C(]"J12U_;I\16OI8;/\`Z$1C)@I5VW0'/[91J<O^RB,G^-(G&3"%(Y9=
MI._VRW*,O^R@1S_&@,91A"B<QU8;O]MM"WG->O=2HA_C:#FGM,([$>YB7&+W
M]ML*U'/[.BP5?C9$\UNTPCL1[N#\//\`]NQG9+O]G;U-5^-@.:W;)RQV(UWC
MO@E_=[$>/G3]*[7I2C^LXP<]NV4<M>Q50<"84I<5J%3<5V)`AL$M+,6';=,C
M1VB<=<?<)#+,="$][SJEGH6ZE&?4QSNH\*>&M7J<S6:G0Z6^JS;<U[VRZS:U
MIXVG#&987ZKZ=M_B,K;,S]F-\SC,^>9F9GOG%4GA'$"ME8ULQ1'M[5`IY_C9
M,6_]SO"O^S])_)5^I'ZIZ9_F,K][#U'@K#2NN,+(/7_[O4[_`'`/]S_"W^S]
M)_)U^I$](Z7._3Y7[V'I/`6$SZXLL8_GMVG?[B$^#O"L[^GZ3^3K]2F>C=)G
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MN+F##U(B/7'%LGJ1="/_`'AT+7H)_4O2?Z-D_O8^I1/PU^'\QA/1NFX3_P#`
MR_X+U_\`,)X5:J/_`)K&"M5_:/\`9O;.JO49_=^N@G]3]*_H^3^]A3_=E\/=
ML_J7IN,__CY?\%3'Y?O"!2>T^*&!#3KW=O[,[7T-7I,ON_<Q7'2^G1.,9&5C
M^YA9M\*OAM:,+="Z7,?^WR_X+P/R^>#AZF?$W`1FHB)1_LRM;4R+H1G]W="%
M7ZMZ?_F<O]["G^Z?X9[_`-0]*Q_]ME?P5,KR[>"*NWNXB\?%=A:)UQ=:A]OC
MM_VNVU%<:+1QNRJ>B%B_P>^%>9A[SP]TB<(PVZ;*_@O4?ES<#%:Z\0>/1Z]=
M<6VH>O\`XM%7Z)I?\W3T0B/@Y\*8W>'>C_ZKE?P7K/RX>`YD1'P]X[F1="/%
M=I:==?\`P;Z0_1=-_FZ>B%?]T'PMC;'A_I./_MLK^"\/\V[P$/7_`-COCMOU
M_P#15:7HT_\`!OH#]$TW^;IZ(3_=%\+_`/8'2?\`5LK^"\#\MC@`9:'PWXYF
M6FFG[*;1Z'N?_>SQ$_HNG_$KZ%<?";X91MCH/2L?_;97\%Z_\VIY?G^)IQQ_
M_J>T/_)@?HNG_$KZ(5?W4_#7_872_P#5\O\`@O`_+0\O@]2/ACQO,CZD>)K0
MW_\`%@?HVG_$KZ%<?"SX;QNZ'TO_`%?+_@O#_-E^7H>Q\+N-NG_JEL__`,F"
MKW.3^+7T*O[K_AU_L3IG^KY?\%X'Y8_EXGUX5\:SVT__`$CL[H?7_O7XA[C)
M_%KZ%4?#+X>QNZ+TW^0R_P""]:O+!\NQ6I*X4<:%$9:'KB*SCU+T?]R^@B-/
MD1NI7T*X^&W@"N[HW3H_\C+^IN9:MJVW8ULV_9EG4.EVQ:5J4:FV[;-N42&Q
M3J-0J%1XC4"E4BE0(R&X\*GT^$PAIEI"20VVDB(M"%Z(PV1N=?I=-I]%ILO1
MZ2E<O2Y5(I2E8PK6M8PK6L1LB(B,(CA"?!?`````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M```````````````````````````````````````````````````>*E)3IW*2
MGN424]QD7<H^B2UZJ/3H`\@`````````````````````````````````````
M````````````````````````````````````````````````````````````
M!SZ\T/F94>!_"[*>>[4H$6[\ID[;.-\(6;,)Q42Z\TY2N&!9..J7,;9-#LBG
MQJW5DS9;2%(6]$B.H2M"E$HBJE>:V$[FD^(O(OP/?=D4V^?,<NC+'-CEK>E+
MC5O*62[XS5E>WK7M&ZZDQ\34+5PC9./+SM*U[!L>TY#QQ*:4:-[Y;<=+QFV2
MR9;*IS)Q]G9"U./,O+7EB>8CB[@!=.6LC9LX2\SK$R%<W#RN9FN:;>^2L`YA
MP_3V+@OW`TC(58<=KEVX\K5FR$SZ(50<=E0WB1'0I6C[CT)G"].;[T;W0?/_
M`)G'$CC3DB\\-Y,NR\%9=M"W,9W##QA9F-+XON^\A*R_/O&G6';V*K<M6BU.
MH9#NBHO6#57),.G(=53(L54F:J/'_2B5$4M,8QN>/%OS+..G*O*5UX%H5*S/
MAGD!9]LL7S4L%<EL/7A@[*$ZPY$QJGHO>W*#=L1N-<]LMU!]##S\"3(5&<6D
MGDM]Q:B:36,>#H&"E^>/S"/-VAX`YL\.<'V@_P`B:%:%!Y`7Y1.5M+H?%7*-
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M/G6>9K4>&N/:%CK%-3S)9V;*ODOC;5YEZ6YQ]O.^<?\`[)+GS32:+D:W(V29
M-E5S&L:^Z[9U+J46)2DROOUQY]A,1HGY$=1Q*<NG-.,[MKK#QIY+8^Y68Z>R
MAC2C91H5N,7)5K57!R[B7(6%[L.I49F"]+?19^3+?MJY'*2XBH-DQ,*,<9]1
M+)M:C0K25$Q,3A+8($``````````````````````````````````````````
M`````````````````````````````````````X4_TA'W]O<+,.YHE0'ZA9G&
MKGAPXSYD]MII3R(^.+0RG&H]P5"6TE*N^'3W;FCO.:EHDD=Q[$(E<R_M8=L2
M[CTNJ4VN4RG5JC3XE4I%8@0ZI2JG3Y#4N!4:;4([<N#/A2F%+9DQ)D5Y+C;B
M#-*T*(R,R,2MN$_F.SH>1O-B\D[!UKO(F7]8V3>1G)V\(T8^Z5;.);4P_/M1
M-6J9I(SB4VZKGG'3XZE&27Y$92"U46@+E-E+3YH>_'MBVM7_`.D8<D+YK%'A
M5&Y,=^6?@2/9M1EQVGWK?<OC,.1(%QSJ8MQ*E0ZA.IE#;B&\WVN?"O/-:]CJ
MR..)C_%1'>O/FY3H-/\`.#\E>YX,5F+<%7C>8#9E5J["$MS:C:K>`*!7V:#-
M?27?)IL>M,E*;:49I;?U6DB,S,25_)V^1VM!;<4/,K4I/F#>1SVJ,M>6O(#7
M0S+77BMD!!ZZ>E*C+YC,%RGV;>9M+SYYV/</&,&6%CO#%P\CN3O*7(-1QGQT
MP=0:_2[-C7+7*%1%7!=UT7C?=;CS*995@V+0%IE52>IB0XAMU"4M]IK<;*:U
MYML[(AQJ\PZM>9=5Y7ET7'S`Q[PCQO8,;S2N%<BVH&"<A9EOS,EO7K/O&K1(
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M^?\`YBU.\IODT>1-C>BV71<CT3,.8_+:L^]\977=9V'9.4X\'%Z[QMK%M]7B
MNG5B+;UI7E?=MTUJ6^]#E-I)E.K2_LF7*X<]I\[;3GI:/FW<Y>(.9N*=9\M_
MC/9+.3;7BTZV[U:YU0:](QY=E!JM-N"S;RHU'_8'1?>5&UZ]2(\A@FY<51&C
MM)Q)&9'&U%?=UM$Q,^ADGSFXE[TORP<`T_(\AI_(T#DSY;\*_P"3$E_&1I%Z
MQ.0&)&KH>CS4I;*8PY7VGEH=[2[RT5H6H3N,O#GG#=A/J=\A*T``````````
M````````````````````````````````````````````````````````````
M``````````L/*6,+!S5CB^,1Y3M>EWKCG)%KUFS+UM2LLF]3:];E?@O4ZJ4^
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M&38-CO\`?+[^U)'-[/+WJG/'$65FCEUP:Y0-7XQ;T?AS/Y#S95F.6ZNIO7^6
M=,8P<>,ML5U-8@HML[:7#^+4:HDWXHE>[(FM.\Q%L*S7M;L`I<X/,+X5Y-Y3
MN\9LHX`S!;N%.1W$/-#V8\27-?-E2<@XZK?WW:%;L.\[*OJV*=6[=JSE%N2V
MZXM/Q,.6B3'6T786J^]!56T1C$[I8PY&<!N2?)*P^(N4JOR:L7&OF#\/;VO3
M(%B9RL#$$^3@VL2,@P*E;-Y8^KN&[EOFHU^38=R6.N!3I+GW_P#>"7H:I+:T
M^]-E),6B,8P]F6&LH^6-S+Y97!Q]R+S$YK8_K=W\:>1F'<ZXOQU@S`]5L#"-
M.7CN[H-<N^9<E.N')MSWK?%_WI;T-5'IU0F5%JF6U'E27&*?(>D+<(GGK&,5
MC?#?3*G#Z5DGG;Q-YF-W\Q2(G&7&'(C'<C'R[<7-?O%S.T*RXC-69N4JS%;H
M:;9.TC4IDX4HY?O]"6UV:J*8MA6:]J^.9_%+#G-3CS>G'K.*JC!M"[WJ%*I=
MT4"JM4"\+$OJAUJ%5+#OFQJ^\V\5'O*V[HCQGH#G8M+COZ%:'&W5MK(K,UG&
M'"WS'N,G)?%W`;D!4^>OF<U'.7&K&F)+F*WL54#`%DX2R#R-R:S;LZFX-L3,
M62K?N^N5:^D5/)3E)<D4>@T^D*N.6RGXLU,^]:7"[68FWLQA/EBZ#T+R\K:Y
M+^4;QHX4<BCN6S+FMKCAQO:1=5JR$TJ_L/9NQA9%JS:!>EK2WVG$0KHL>[:>
MHC2M/8\V3S"M$.F92HYL+S:.U#6CQQ\YZGM6O85T>8QQDGV);M1I#-4RQ3>&
ME27R#O:UZ9,C'*A5B/5LQ2L2TBY*Y2XZF'ZE&I3GNW7E/(9[R(1M3CE[\)Q\
M[:SS$>')\[.*]Y8`I^0)&*;NE7%CW(F-\D,T5JY6K-R5B>^J!D.R*Q4+=>F4
M]NMTDJY;S;,N/[]I2H[JS2KN(B.5-;<LXO+'F->=-3XSY;L+/'(W#K7)&\*+
M=U$QEF?`N&ZW:EKXN=J=G1J-:MR/65?=\7DY=MQ4*ZR?J[WO),2&^3B(R64(
M;-:QC7'9&QL)@>S<BX\PQB^Q<NY.?S5E"TK'MV@7]EN30(-JR,CW73*<Q%K5
MXO6U3''J?0G*]-;7(.*RM3;)K[4F9$")PQV;F600````````````````````
M````````````````````````````````````````````````````````````
M``````````#$6=L#XDY,XJNO".=++@9"Q;>[5-:N>TJE,JU/C5(J-6:?<-(=
M34*%4*56($NF5RDQI;#\:0R\T^PA:5$9`F)F)QC>T<QCY.'E]8LR!:63H.'[
MGOV[,>55BN8W7F_-F;\\4''59B:_`U:RK2R_D.\[5H-6IRO:BRVH?Q459$IE
MQ"B(R*IO:8PX.H`*````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M`````````````````````!RK\Z/DQFSB)Y>V5\Y\>;K@V3E>@7?A6@6]<U2M
MFA7A$IL:^<R6/9=;6Y;]R1)U'GJ<HE=D(3[ULS0I1*2:5$2B2KI$3;"=S&-?
MXS>=A95/7<F-?,_P)FRY*:DY4;&N<^#EHX\L2Z39+WA4J=>F(;[*\;=^-T]W
M\2RQ(]UW=WNST!..7QB?2V)\NKG?4N95K99LW+&+I&`N6G%V_P!.)>4."WZL
MFX(-IW<]`^\[>NVR;C0VTFY<99&HZ%3Z'.T[EM(<;,W";2^\4VKR[MM9;9Y6
MY&\>\$.49G.&=L.8<>N)2D6^UE/)MEX^=KBDN$TLJ0W=E;I*ZCV.'VJ-DEDD
M]CT!$1,[EPWI78-4Q/=UQVU68M1IT['UPUBAUZA5%J7#F1GK=F2Z?5*35:>\
MXR^PZ@TNLOLN&E1&2DJZ&!Q<;/+H3?N=O(/X]-U_E'>^#\@7_P`8934_E=4[
MF56+ZQ[5'[CKC97_`";HO*NQ%2ZE3FF23[^;4&]$Z$;A:$(A5?9>?.[+6S<-
MM4-FQ\>5+(U$N*]Y5F0IM.34*Y2$79?5-HD&%#JEZQ**B:N;4(<J0I+TF1'2
MZPVX^1&O<M94]_!<=Q77:]H1(D^[+DH%KP9]5IU"@S;BK%.HD2;6ZQ(3$I-'
MB2:E(C,R:K5)2B:C1T*4\^X9)0E1[`A:N4,R8APA;R;NS1E3'.([57*1!;N7
M)M[VU8=!<FN)4MN$W5[IJ=+@.2W$),TM)<-:B+8@3$3.Y.V/?MBY-MFFWKC:
M]+3R#9M9;6[1[ML>XZ/=ELU5IM:FUN4VO4&9/I4YM#B329M.K(E$9=01AAO6
M-=?(WCW8=.BU>^,[8;LZE3KRD8ZA5.Z<G65;]/F9`B2&XDNQHLRJUN)'?O")
M)=2V[3$*.:VM1$ILC,$X3V+%@V+6&N9%?R0KDS6YM!E\=:)9K?#Y4NC';M"J
ML7(=0K#G(5J"FIJN!-7K45XK?4ZJ&F(;,<DD\;FJ"'W=W'>R1>6><&XZHESW
M+D#,V*;&MRRJQ&MV\J]>&0[1MJC6G<$V&U485"N6IUFKPH5#K4RGO(?:BREM
M/N,K2M*329&!$3.Y-XXRGC',5L1[VQ'D6Q<I69,?>BQ;MQU=M`O:VI,F.2#D
M1F*[;50J=,=D1R<3[Q!.FM'<6I%J")B8V2@LL9\P7@6FP*QG',^*<-4FK/N1
MJ54\J9#M+'T"IR62;-Z/3I=V5>DL3GVB=2:D-*6I)*(S(M03$3.Y*6CF#$M_
MMVX]8>4<=7LS>-%GW':+MHWM;5R-W5;U*F-4^J5ZW%T:IS4URBTVH/(8D2HI
MNL,O+2A:B49$!A+(H(8TRCFC#N#J"U=.:<KXVQ#;+\GX*/<.3KYMBPJ)(F=G
MO"AL56Z:I2H+\LT%J3:5FLR\`3$3.Y3V3G/">2H-KU/'.8<6W]3;X56D674+
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MIJH5G[NCJ)Q_X9MSW*#)2]"W`PE47'=-LV?3#K5W7%0K6HY2X%/.K7'5Z?1*
M84^J3&:?3(1SZG(BQ2EU&?(;88;[^]YYQ*$$:E$1C?N<XLR>99C+%?.KC;Q'
M_6?#3UJY9L?D1<^4<FU;+=N4][$]P868M-FBV15*3\1\#3JU=-4N-Y"BJ,N,
M\V4!QMMAQ?>IHKBD\LVVL/\`F)9$N&'S`\E5NP[\KD.T,D\P+_CW`U9]U5"+
M;60;4<XS9&KM*CUMNB3VZ5=MNKD-,38Z)!2(QN)0\@M22H05B.6V/"/I=)K(
MY0<:<F7O5,9XXY#8.R!D>AG+*M6!966+#NJ]:2=/-15`JC:U#KTZMPC@&DR?
M]XPGW)D9+T,2IF)C;,,Z`@``````````````````````````````````````
M````````````````````````'#7^D9_Z*#-7_K.XQ?\`^D<6B)W*\O[<>7!W
M(1]A/]BG\1"5#A%QP6A[^D$^9.[:VJK?B<*>&T3*"XA*.(643J5W2+5;J)MZ
MM'6$XX4GM)7Z0HW;X!Q7)_)1YY<G^`W*G@QE(^0',#F]Q;Y"<J>3'([->78S
MMSRN!N:.3^-<8X*M*]:Q9>*<(8DN.'CJ\[$IMM6[:M$;<J:*8IM]ZJ27VYAK
M<:T*/.KM%H]FLX1'>Z`>4)6Y%%MWS1L*8VQSGC'7#"R+\:R+PUH6<\1Y.Q'(
MM.R\RXQKE9R5C"QJ)E&CTFLQ[&L+)E!F'3X;9+;AL5`C(DI>3J4WC=,X<W%K
M70TI7_0_YR5I2M)^7U=NJ5$2DG_YQUD]R/4CW#@3^6^5MWYAE-3@BP/*@\RF
MD1_AG>&>1,.61F:J18K1OEQ7Y56E;>%<KJG/D1.+IULUZK4.J(0H_=M*86YL
M9:B9*[9M7M9CYD1F^6/FF>7_`,06R15<<\7J3='F19XADMB13G:]:K\C%/%.
MD3VS2XV<E61JW5ZVVRO=;5))Q):))0(KLI,]NQS'D<E^*F3/-7YZY.YSX+SS
MR6+BS?UM\7>)^.K3XG97Y28>P_;5#LVFUO*=\/T:S[*O&S*7E7)-YUA2CDSV
MDU)BE1F4LF3*T=L*L)BD<N$8[]K9#RU[UL>D^:MGZB</<#<B,*<)>0G&2FY9
MO*RLA\9,L<=\465RXL+($2VJK4\>6]?=GVU0*'(R-C.OQY%18IB&&ITR$;AH
M4IDS2+_8CFF.:)[>"'\J/@=QYSOE[S*<^\AL9V5G&?:GF?\`+W'V%K8R?;U,
MO*T<008%\T>\KUN*R[6K<:70J5>=_P!W5F.[4*N4<ZBIBD0FD/-MMFE4HO:T
M1$1LV0W-MIMO_P#Z%<HN^[1[T_*.QPV;O:GWAH+EE=2B0:].[L)6^FNFH(G\
ME'G:G\,N'>#.0?FP><'DO.ECV]ENF8AY'8>@XPQMD"CTZZ\;6M>U[\;+`D7Q
ME--DUN+-MZHY#J]"I-*I4:J2&'9-/@Q7FXZF_B7343:9BD8;,89MP-B/'_$O
MSU<M8CX_VQ1\6X@Y->7;0N1.0<4V53XMN8\1FG'?(!S&,2_J+:%*9BT*B5BL
M6=5E1YRHC#)25I]ZX2EF9@B9FV7C.^)8[X%X`Q3SEYS^:'S!Y3V%9^=+GP[R
M[NOA+Q\MS*5`IE\6MAC$V"[=MY-439EI7&Q4J!1JQD"XKA<GU"<B-\4XXE78
MXDG7B63:9K6*QV8K/LOB)AGBG_2+\5/8(M&C8WL;,WE\9]R%/QG:L9BCV+:U
M_P`3+..J%=]<LNT8*6:-9\6^(3%,?GQX#$>/)GQ')!I-QQ9B.)C,Y6W?$OTO
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M3!O&+B?6/,.XH8PQWQMY2<%JI966[`OW#=G6]C9=V67!O*WZ)?V',@0;1A4:
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MF9\S7#EEPFX=UWSLN`MM5OBSQ^JUO9PP9SSR)F6B5+$EC3*5E6_:8K%M4IUY
MY"I\BB.1+ONB!4JY-?9G3T/R6WICRR62G%&95%K<D[9X+A\YO`5L9(S%Y*O&
MZAO3<9XYKG+^X<>2(.-Y;UD2*/B>C\>;N9N*P[3F6\<)^U:?7L?4F5;Z#@FR
MJ)"F*)DT&E)E'$RYPBT]ST^<GQ`XP\7N$]G\E^-F!\38$S-P]SMQ?O+"]]XA
ML"U\?7)1F).<L>6'<%J3:Q;%,IL^LVM=-IW)*BU"%,<?8E=Q+<2I9=PDI:TV
MPF<8F'Z,P6@`````````````````````````````````````````````````
M`````````````<J?.FXT9MY<^7KE?!W'BT8=]97K]X84K]O6O.N:W[/C5.-8
MV9+&O2N(7<-T3J;1("FJ)0I"T^]=(UJ224DI1DDTJZ3$6QG<QM7,_P#G;Y1B
M*M;&'EZ<:^+%3J;2X9Y7Y#\P:3FJBVH3R%-'5XF.,&V.U5;EFPN[WK,=ZHQ6
M'%I(G%=IJ($X9<;YF?D;.>7QP.IW"2R,CS[IR37,]<E.1-_2,N\G^0MS4^+1
MZKE#(DJ-\%#CTB@0EO1+3L"S*6?P-"I#3CB(4<UGW:NJ2DIM;FGLB'._`M@<
M^?*AN?->#<4<1*ISEX2WQF+(&:>/-8Q+EK&-AYBP6>6*_,NV[,.7U9N7K@M*
MCW%:U*NN?(D4RJTR<I2&9"U/H-3A,L%<\M\)QPLZLX9O7DAG#`V1*IGSC<QQ
MCO\`KR[UH%EXH>RS:66:TY:3]KPF+=KEUW59S$>TJ17ZU6IDQ#M.C/RVX+++
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M.)N`X?,'C)S7<LN]LZ8'M[(]GXQS/B7.UC6['LU[)&.G\CSJ39-ZVS?MNQF#
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M[(&,<F''%K7/X^\W^!_+SDWG;ACA:Q>6_'+FI==)R]E'`58S'1\%Y/Q#R&@T
M&+;=SWY85U7E2JI8MT63DR!`C2:G!DN19\:>SJR9MEHX3C6U8BTX3#4W`U*Y
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MY-YE\H/.T##;UBIP3R`N3,?(JR;@ORQ)U;P_1KIX_P![6DBE/U"EUIREWS4Z
M;==>CPGON)<U)F:G4ZLI-8@B8B+1VLA^;]QRR]ROX#97P;@JVXEVY,NB[L&5
M6B4*;7Z';$>5!LK.V.+VN-U=9N*=3J3&5!MNWI;Z4N/)4\ILFT$IQ24G**3$
M6QG<V/Y;7MRKL/'UJ57B#A6R\ZY$G94L:AW;:M\WU`Q_2Z'BBIR9B+[O:%5Z
MA4*:S/K5M1FV5QX"5J<DFXKM0LTZ`B,.+:0$````````````````````````
M````````````````````````````````````````````````````````.=.>
M.+/-J\,O7-DGCKYDEW8`M.ZJ?;T61ABZN-V'L\6!;DVB4F/2957LF;<3UJWA
M095=-@Y<MEZHS8JYBU+2VE)]H*XM7#"8Q3G#G@70^+MW98S=?>7L@\G>56>D
MV_#RYR*RG%MVDUJH6U:)2BM+'=A69:5/IMJ8RQE;:YSST>CT]M7O)3JGI#S[
MA(-!%K8[(V0WZ!2T!Y'\9>8>0LIHR5QK\PJ[^--*D6E2+9J^)*U@#$^>,7RY
MU)G5>6=W4R)=B[=NVW[EJ;-40Q+4Q5E17FXC/Z$C)1J*HFN&$QBC.)_`%.",
MO7YRBSCGK('+GEOD6TJ?C>HYLR'0[7LNE61BRF55RO1\88=Q;9$6-:F-K.FU
M]93Z@AI4N949J$./R%=N@$VQC"-E71$%(```````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````QQ>67<:8]NK&-D7M>-'MJZLS7'5;0Q?1JFZZS(O.YJ+;=4NZI4
M6DN$TN.<Z/;M%DR20ZMOWA-=B.YQ24&3A,[8>U.5\=+RJ[@]%VTI>66+`;RF
M_8J%O*K3&/GKA7:C-U/(2R<=JFOW$VJ(CN<)Q;B%:)-*3,AA.&/!D($```Q]
M0,G6E<],K57H+U6JD.W[_JN,ZJ4&WJY,E1KLH=UHLRKL'!BT]Z8JETVMJ/XB
M>2/@F(J%RG'41VUNI)P?TLDV^YE![$D:-79=TP;)@7]6),:BS5VY0J#6:S5J
M#;K=6N%2$4YBK7'/MVI_!Q$*<>6U37UK)"20:R,-F+(`#'&4LM8_PO;+-WY(
MKRZ!0I5>H5KPGH]&KUPSZC<5S5!JET&BTNAVS2ZS7*I4JI/>2VTU'C.*,S,S
M(B(S(F(F=R6H5]T"Y:5:-;HS=PR*9>R77*)(DV?=M+<9;:I\RI&[<4.K42#/
MM!MQB"M"#JS4+WDA3;*=7G6T*(7B`````C*75HU61-7&8J;!0*G.I+Q5.D52
MCJ=DTYXV'WX2*K#AJJ%,=66K$Q@G(LE'M-.+3N`AKRO:W;"IM,JUS3'84&KW
M99EDP76HDF8IVXK_`+JI%EVO#4W$:><::FW#78S*W5$33*5FMQ24)4HB8C%=
M@(82LWD7B#(=XS;'L>YJA=-6I\NN4^15J-9M\3;#54[9>.+<-)B90;ML\:U"
MKT:8A;$F)'JSLEI]MQI2"<;6E).$PS:"`````!'U>K4N@4JIUVN5&#1Z)1:?
M-JU8J]3E,P:;2Z738SLRH5&H39*VX\.#!B,K===<4E#;:34HR(C,!ZY-7BQ9
MU(IZV:D\[6URT0WX=(JDZG,_!PUSG%U6J0XC].HK3K*#2RN8ZPE]TR;;-3AD
MDPE`````````````````````````````````````````````````````````
M```````````:%<Q\!WUG"^L`N6;$3%78[.9J]!OAUZ*B/CK)"+-I=1PW=3T=
M;Z*A*1#R)1(BG$1FG36PAUMS1MQ6I56<(E9O';%F9I/)&A\E\KXXDV+<^5L'
M99_:+2'Z[;]<5CFJU'(>$8^)\0O5"BU"3'JC]O8YL61)D2(9.P5U9^H.)<(W
MTDLF9C#".U;7$6R<_P`;DE<^2<CXPEXNI=V8POB+DJCTFW[>MNQW<M%D^V:G
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MWTYQ*)2Y:#A4N5;GO%+:;;<03)(4HVW.TC'V<&JG`3">9<>W=4Z_F%^_*9?,
M?'4FU\KMSK.@TNS,L9*FW=$K#F5';\:RS?C^2:Y'*%4/NN:FET54>C5LXTAB
M.IAF!$*K3$[MS9OF-BN\<O69BBVK+?N2GS*7R/P?=U:K]H5&C4JX[6M6V+O9
MJ5P7)2Y=>CS:>3M,@H,U(.-)6XVI24-*49:%-9P]"Y;HL*]H5Y\4V:-5[MNV
MAX^O*\7<@W/7:Q3_`+VGT>3A/(]O4FJ78B`U0X5;>EW95(">UB%V(D+0Z32"
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MNVFU/`V;6/@:[8V/<61\36[1JA83;;MR(FXZJL>^H5PO36VZ82:VNM1W_?OG
MW-0APV+;O*U\XT+`&>Z5`QX5^5N\.2=WSF+>N-EJ^-,)W7E"EKJ=S46T"O"V
MF[K=H=D+D3J?;RZI`*2ME+*D+(SBO)(PQ6MBG$&9(G%NS+%N"V*ZS7;?YCVC
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M`D<.:+3<X77?EVM7#$SKE:XRQ/7\=WE3'D7=<$N\9E#H4"YI"Z[*8AO,0J]'
MIY:FA<>$57[.]<?%G$&6K4RAAN?5,<7Y8UX6A8^2J7S!RG=%S0:K;?(B]ZTY
M1_U9K%`<8N6KS+U=J%U,2Z_2Y[\*$=KT52Z011CDJA($S&'J96H&+LCXJXR<
MA:I9^,V;RSUD2^,_W#+H%X5R36W;THU>S3D15C1)+SEV4I+]'I.)*U&.D4-B
MJTAKX=#4$GX*W%O-D8XS'8Q'87'O(%Q<,>;6'+FQ]4W8637<D_L3L*Z+>M2P
M8TRF5[`6/6:-'I5B42[[DH6.J9*S/#JS[,&1/:=1)-<N2AI;ZP3,^U$MI(5I
MU^57N&M3L:R[DLC'MEP+T3=-I5'X:WI%GTB?BF?1;8H]R6ZS69;;K\6MK:90
MRVN:F.\1+[M"[P1COQ:QVEB'+,7/MK556.;]IF5Z9R@RQ?63>1LZXX4BP+WX
MP5U623L+'<-7ZURJE5(L6V*M:E$AVLJDLM42JT9VJ$:2:1+FDXQAW8+SF<>;
MW1F:X,R0K9KRKW7S5M"NT:Z574ZM^'QT7ARQ+0N^FTR([73AP+%GU=FIJF4=
M+*?B:B1S3CJ?)E\AC&&'<Z2@H```````````````````````````````````
M`````````````````````````````8@S1D&]L:VH[<UEXLE9273VJE4:[!9O
M:T;$9H]"H],DU.;/<JMW3(T-^2\B-[J.T7:T;JB.0_&9)3R28C%CJX>3]-_9
M[@:[L;V+<>0KFY+P:)5,1V%)FTFR:E)IE4Q]+RC/J=XU2NR'(-I0;=LZ"XJ9
M[,M_X]QB(TTXMXC(8=O!5N<FJ2]QFK7).AX]O^XV:#;MUU*?BZFQZ`WD"/<E
MC5BK6Q>-ER53Z[$M2-4K8NF@S8<V8JH_=S:8CCZ7ULDE2AAMP7Z62JS6L-4#
M*MAV2]=-1NFT+3NZB6=/N2C6LLXETPJ74O=U2XZG[ZET]NCT^HJ=D.)2\:B9
M432'%&E)C#;@H,!9GBYUL-^\6K8JEGSZ5=UXV)<-!J4ZE5IB)<MBW!-MNNJH
M=S4&3,H5U6Z]/@J5#J$5SM=;/M=;8D(>8:$QA*`Y+\D+9XR612[UN*WKCNU-
M3N./2BH-IHI[U;C6]3J=4KLR)>[L>H3(3;EOXSQO;M6N"HDA2GW8U/./'0Y*
M?8:6(C%D7(&7,:8KMZFW7D&]*%:]OUJI0Z+0JC/E]Z*_6JE"FU&F46@,14R)
M5<K%5A4]Y<6+$0](DDV9-(6>A&(B9W(>;GS#%.QI1\Q3LE6E&QA7W:5&HMZ.
MU1DJ+4Y]<J*:-2*3#>+5UZMU"N**`U!)'QBJ@?PON_?_`*,#"<<.*3H68L7W
M+8U-R51;WH,VQJM5X-O0KC^*.-".X:C=;%B1;>E(EHCRJ?7SO62BDN0I#;4I
MFHG\.XVETC20PG<F).0K*BTV]:N[<E,.GXYF2J??,AEXY1VS4(=#I=RR8%49
MC)>?9G-T&MPY7N22;BF9+9DD^\M2,&)KKY)61"PQ4<TV!)A9$H5/N>V[5=BP
MYLBC/L5:LY`M^P:I3ZJS/IRZE1*M;\FN&Z_#E16I&K1(4E!+)9$X;<);%@AI
M3QUYE1,]W=#M21C&N6-^LUJ9`ORP:K(NNT+J9KUIXVR+`QK<,BXJ=;T]RL6)
M5Y%9K,-Z#%G,*:G1UO\`NGS>AR6D%4UP;`VAG'$=_7C<N/[-R!;EQ7C:)U`J
M]0J;-][*C?<]330ZZJ(X:$Q:NW;E>6FGU-4-R0FFU!28THVGU$V9&$QM1-C\
MCL%9*NZ78EAY1M&ZKLAQZY*71Z142D.R6;6K"+>NO[KD&A,*LNVE7G6X56;B
M./N4N4ZVU*2RMQ"5#"855%Y`86N+(]1Q'1,DVM4LC4IZK1)5KQIY+EKJ-OML
M.W'2(,HT%3JK7+9:DH54X,5YZ9325K);:W`PG>]C>>L029F3Z=!ONC52?A>$
M_-RE#I'Q=6?LDHT:3-?A5M-.C228K#<*(IXX)&J:3*FW#:['6E+&$I/#N6;,
MSMBZQLOX]ES)MF9"MRFW/;[]1@2*74"@U..A]+$^!)23D6;%6HVG4D:T$X@^
MQ:TZ*,3&$X3O9*!#^&1&1D9$9&1D9&6I&1[&1D>QD9`*>%"ATZ'%I]/B1H$"
M#&8APH,)AJ+#AQ(S:68T6+&80AF/&CLH)"$(224)(B(B(@%2````````````
M````````````````````````````````````````````````````````````
M`U*Y;8DS+FNV;4L3'=:QW&Q].K<N1FVT+Z7=M//*%HQX6M*QZFX;3*1,I-H5
MJLJ)5QQR84Y6*8T=.-QN-*EI<*JS$;9WI#*V(\EW:S@G(5EU#'="S1A&I3ZJ
MQ2:Q%N"1BVOQKNL.J6->UJ%(IOPMRT>EI^\VIU,FH8>=:>IK+;L=3;SO:(F-
ML3NE563@&IVGQDN#!DNZXE9NF[;=RZJY+R32'*=295]YJK=Y7C=]9@T%,Z9)
M@T!J[KXEKB1%2GGFH2&VU/.+(W#(F<9QX)29C.\:+QSM7$-NT_%M]UF@6!9=
M@5FEY5IM4?QS=])HE#IM`N*/5*?!C5>4B+5HD1Q33;L>6T1J)+K:TZ@8[<7C
MQ;PE-X_8FC8]G5*WY"CNF\[JCT&RJ*_;>.;`AWA<E0N&-CO&=NR9<Z11;#L]
MN?\`"P&5.$1DE:T,QFUHBLB9QG%:>8.+AYQRO3+WN[)-\VW:MI8TK%C6?;6.
M:Z[:TUR??]53(RE4[LGJBSF:U"K5%MN@08$<FT'$;8G&I2RF&E!,3A&"ALWC
M1<ENXWXL8]K-\Q+I+C#D=NL4NOU:G2)%7N;']JV3E'&V.:=4WG'U:WO3K/N^
MDE4ZD?<B9.@R7DH1[]*4"9VS/:JO^;74U8YLRQG;CI#KUK<IZCR'>F+I+ZXL
MNGS.15UYP8H#,94@U,U6-%N%N(4HS-!2F3>))$9)(8[<>Y1UGC9=#F(LLV10
M[JMYFZ+OY`R>0%HU"ITFH.6]"JU-S';.8[;MJY(L2:S4'J?*J-K-0:A)BK2Z
MEE]QYI!K2E!C';\B!;P!GM_$7(:DJR?;%J9=S?EFFY0AUBP2NZ@4&V*5"H6(
M[=J&.F;GCSHU[QTW);F-I5+DW)3R@U.(FK*FPX[$AAILAC&,=D(*RN(%VT7`
MV5\6U6Z[=CUS*&<Z/F)$B!(OFZ:7;D2!<&+ZT[;3U>ONO5:\[KFDU8#K1U*6
M^T;SDE*RCL-I*.B#&,<70`2I:"\8N%G_`#9+FM>Y;2JMGQ9%9LZ_;9SVU0K7
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MD)2ZL3MG&&9`0```````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````-#O,)Y)U#CUARVZ59N3<<8AS!GK)%N83Q'D/*\B@(L.PJY6XU2
MN*[,D7/"N2L4*EU:DXYQQ;-8JZ8;LEM%0G1XL+N)4I!&55C&>Z%GV1Y@]N5+
MRX9'.V?0$7S(L/'5Q3\F6/C:M4*I+DY/QC6YMB90M"SJRJH.T.<RW?M"G-4J
M0N24>9$-AXG";=2L#E]KE94Q9RRK5VR^2=K9+PU5L39'XU4*V[SN*TCO2WKY
MIMP6/?5I7!==EUBDW70F(D)FJ2_U3JD"HP7&#*!-A*-M^7&<9D.":[L-TK,X
MJ<XZKR,NJR[7NW`ETX3=RSQKM7E;B!ZN7G:MXO7+BROSK?I52BW3$MK0K(O6
M@3KNI*UT\W9[+\2>A:9*7VI,9D6KAQXX+BQ_S:MN_P!7&I,6PK@IO_.3S+R3
MPY1_B:I2GOU7G\;_`-M?WO7*K[G_`.G0+I_8M(^$;8_2,?'M>]^PL":X8]RU
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M5=5F54\NT'#N&N3$2J4^X;".`[<M@4:OY)QHFJ6_):E/2ID2C=TU,'XAN.\5
M<L1$X[\'7P%MRZLK.V<J7Y@MX8>Y"7K=F,+,NRLUZ)Q)Q_!Q/:D["&?K#HF-
M*-<M2J$?/;;-5O*G\@;8K$2OSJG:TZ116CHL!+T&'.8;?F)*YB.7&/E3U;\P
M>J4')>0Z1,XZW<6$L2\I<=\2LA9R*^K/(H&0<L1,3M677Z%C@C5<=>LB/<V:
M*%2ZS*4]%E0')*GF(TUIF0ID<NS?MPQ0W(7S0<<X$Y"57`[EC5*[W[$/#G[5
M:I`N6GT^Y:(G-];52[81CK'BJ;/K>5I-M4OLK%PH8>IY0*4ZE494Z22XJ!%)
MF,6RE<Y'W%(Y+*XX8PQ+,R!+LRU<>7YG._*A>E&LRW,76IE.OW;0[*8I,&7`
MJ];R#>-29L"M3W*='9A1(\*(@W)R7I#+*BG#9C+WV#F+[YY&<K,=5&MW$=+P
MQ;>"JV<2NMV7`L^A1[[M:]*U.E6[5(-/@W*OXM%`]Y4UUN9(886VW\)[EKWI
M*$QLB6*.(7/.U^5N0LJ8SA6Y0*17L;6M8=_1*W8^3*+EVP[KLG(=6O:@T>73
MKRH5'HE/^_Z;5K"F(G1HR9M/]T]'=B5"8VXHVR;5PC%>OE]9'O?+W#+CYDK)
M%P2;JOF[[&35+DN&7&@1)-5J!U>JQSDO1J7$@4]E7N6$)T:9;3HGIKJ!:(BT
MQ&YBSS.<R<D,,8-QW/XHU&VX.:+ZY#XHQQ0(]UV_$N.CW#%KSM;J,^S7(DMU
ME,%^]$T--+:G(43L%<LGD;HT`I$3.W=@UV+S!,BYDYD\&*!@*JT2+Q8R=0:"
MO-BJI;T6IW+<%]YRXSYHY"8NL*#6G7"7:=6QC:>((]2KK3"5/.*N2&P[V$DT
MF5<L16<=_P"%F>\?,\QY:_*R9QIAV)4[@BVYE_&>!;VN^!<]+3<E(R3E:@VS
M7Z'(H.+4P9%>NC'5M,7S16[AKWQ<,J8N8ZXW&E1X<IYLCDGEQ>.:O,^QUAWD
MM5./)V+4KG59%RX3M')]>AW-3H=S42M9YDTE-JJL/&OW=.KN2Z7:E)N*G56Y
MY+,B`5,IDHW(Z9SK$AEH13&,65)G(W.3/F#T[BW%Q):LC"DCCS)R[+R8J^&V
M;N9GMW9%MHY:+85!6E=)C51TJ=\$2B?<6[\83Y--FPJ.*,(Y<>*B=Y:1K`Q9
MY@^9:_&OF^*/Q`R)D]$FUY#5E4Z=(I..\!8ORM)M6P9-%IU+]_2IR;F<^&>K
MKDFI?>$A]+C_`,*F,AN2*XS$=JZ,+<MZA?-QYGL_+^(:Q@6Y\.8ZQWFFH0JG
M=]OW["J.(<H1L@.6[7WJG:[*&Z5=%)FXNK<6L4CLD)B.QVU1Y<QEY#I":X;M
MK'G'?G;<V;LEX;LFY.-MWXIMKD9@.].2V$KZJU^V;<[->QC:M5Q1#A0[OM^A
M&51LJ_ZQ2<P4JI+I??/C0XSGNU37)"7F61-<(W[I=$@4@```````````````
M````````````````````````````````````````````````,1W;@O%M^Y)L
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M&#<\%+6@N)V*'\]4_D;6Y62KMO\`MZ76*G8M+O'+.1;GQOC.M7';*[-N*OXW
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M5>OFD6/EK(=I8\R57[8H<6V:!7LB8YHEPQ+/NJKP+<I\6`X^_$[YT*%%8F?$
M-1HZ&QC.&!<'%3%M<S0C/D*=DNRLA33M$KS7CC*^0;!MG*#5A./+LUG*-GVQ
M<%/MJ]_N%F2Y%0Y+C*?D4]?P4A;T-*8Z1S3AAP75<6`\?7)FNP^0<A-RTO*&
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M.-T5:-B^R[8CXW@Q*):5NQ/@H92WS<FO-,PF&"JUL8P[W6`%````````````
M````````````````````````````````````````````````````#B%YAF2,
MEXIYO<:,MVE?UZ4BQ..G'?,&?LR8ZI-PU=BS+[PW!S=QVQ7F6K79:,:6W1[@
MGXSQ5DZJW12Y$EEQV%+HI$TI'O5:QQ7*Q$UF.,R]?`+)^0\K<[.267[DR'>5
M:QQR%XX8TSGA?']1N&LOV+9N&&<Y9WQ/AZY+1M"1+<H]$G96QIC>!=E0EQF4
M/37:ZE+JE^Y021:(BL1QB61>&G/R]N17*9_&_P!Y4*[L*9-X^WSR+PS=I6#0
M<9W*W;5H9:LO'<!#=OT_/67KKJEJW)3;Y:>9FW+1[.JIRZ>\:8*FWE,PB+5B
M(QXLF<3.6V9,[YEJN%;KH]C0;@X[V]E2A<M)5`I5;CM0LLMYAFV9@"GV<Q4:
M[*<H5$R/B:T*I>S[4HZ@]]WU2E)0XA*UJ7),1$8]NYTP!0YR<;XUS4'S`?,"
MM:JY1R7?]#>L'B'D.B4&^[I^^*'CZ3?,WDS$J%NX\MR'$IE#L^UVZ=:E/:)J
M/&^*FN1?B)LB5)4MXXXJI^S'RH[BQR*SOFFO<L,19(N6P[#Y`XTFM5.T;:H6
M.4W9CZRL=7K7<DTC#>0:?>]$S!5(N<:->%,LGW\Z*\=F5JFU6%.B28,9M49P
M2F8B,)X)ORW\MW?<G`'CQEOD/G.T,@W'<^/K)J=P9'EQZ=9K,:?<<2BTZ#;E
MW3I=VUZ!4+V1<$XH<F3[RGG,G/H:3!8<T;4@O$<\Q$.B(*'(#S-ZMC^OU['&
M&K$R3=-G\X+YI\2;A"KT#.U\XSMS`]D4^[Z>=X\E\GV_2KUH5@5*S;3)MR(Q
M$K%.J,F[ZB;5!BLNLO3%1BNG;/V5A>9)=;;N:YUJ9)S)>N&\76/Y>?)_D'BF
MO6?E*Y\1E4N25A7'8T&G7@FJ6K7[=5>MQ8BMJ?'FTNA3%SJ<Z=:?=>@R"2DV
MX37=LWXKUYPUO+UP>5O8&7Z_D7)V',NT*UN+&2;\BXYK_P"SZ56+WKMQXQA7
M79MW284%->8M5%<N.2J73(4JGE*6PB/)4Y%-Z,[)7#GPX,J^9SE3(EIXJMW%
M]CT+/E-H>8CO:)E?-F!<<Y%ONX\.XNLNU'[AKS-+GXSI-9KMFWSE*HKA6Y2*
MLMMENDQ9E1JB'VWZ<R2RFD1CC+-_EZ7Y-R=P0X<WY5)=U5&KW)QGPK-K=5O:
M%<$&YZU76\>T")6Z[4_UH::KE1^_*M&>ELU![WB:I'>1,:<=:?0ZL7C"TQWM
MPP4@````````````````````````````````````````````````````````
M````````````````````````"WZI:=JUN4].K5M6_5YLB@56U'YE4HU.GRG[
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M=6M#!R'>PD^\7J%MV7C'&V-U7`K'>/;'L)5V5E^X[J59=IT&UE7-<,HU')KU
MP'0X$$ZS69!J/WDJ3[Q]>IZJ,#&96+</&O!5R6M%L>5C&U*79T?*]JYOD6Q:
MU+CVA0ZSE*S+SH^0Z%=UQ4VV$4J+<511>MOP:E)^-2^B=)BMJDDZ2=`3C.]G
M($,4W[@?!V5:G#K64,,XIR16*="13:?5K]QW:%X5.#3FY+\QN!#GW#1ZC*C0
MFY<IUU+2%I;)QQ2B+N49F3$S&Y/7CC'&V1&*!%R!CVQ[ZC6I685QVO'O&TZ#
M<[%MW#32--.KM`9K<"<W1ZS`29DS*CDV^T1^RH@(F8W+CK="H=RTR31+CHU*
MN"C3#8.92*W3HE5IDHXLEF;%.3`GLOQ7SC3([;K?<@^QU"5%HI)&1"0?88E,
M/1I++4F-):<8D1WVT/,/L/(-MUEYIPE-NM.MJ-*DJ(R41Z'L`I:72Z90Z93J
M)1*=`H]&H\")2Z32:7$CT^F4NF4^.W$@4ZG0(C;,6#`@Q64-,LM(2VTVDDI(
MB(B`5X``````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````````````````````````````#_
!V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>g655598gr10.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr10.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`+D``0`"`P$!`0$!````
M```````&!P0%"`,)`@$*`0$!`0`#`0$``````````````0(#!`4&!Q```04!
M``(!!`("`0,"`P`3!0(#!`8'`0`($Q$2%!46"2$7(C$C)$$843(S)6%Q0C0F
M)Z%B@E-$-QFW.'AY"A$``@$$`@$#`P(#!0@!`@(+``$"$1(#!"$%,4$B$U%A
M!O`4<8$RD4)2(Q6AL='A\6)R%L$S)(*S-$-38X-D="4U=0?_V@`,`P$``A$#
M$0`_`/\`?QX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@'\[WB>=4KO$I3SO>][WG.<YSGU[WO>
M_P".<YSP"LFS):XFOQ@$IP;7A$IM<PJVGG7B3S:N+Y'C\7SJ>L.?3_IWGTZC
MOW*_QU*>\UL<<:RYF_0Q5R?'@L[SA-D5M=G9KD-O[&ORRDU7P#8"?KU3SW>\
M3\B^)_Y_"VI7/K]/\J5WB>?Y[]>;A!S?TB1NA[UB(;BCU.'YZIA"8\J6XU]K
M?&H''4I_\-GJ.<^J&_I_GG_R\5]>)_Q_GJ;BW[5P%6G/DD?F"CP!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`5_I15P96GFV5]0Z2?1`^Y/>\4EA:''9/V]Y_P!/
MO9:ZC_\`6\Y<,:SY\(S)\&4`D!*O70T69/@P5OPV92^/OM,N/ORD)>><^WJN
M*4GBU_;]?^G.)YS_`-/))2G-M)OD*B177LU5[YH_K;MM6QNY&:7J%BRRZ1LM
MNM4**'%0>@<`S7Z42A$8_5?:TU9&8W'D_P"4NL=6VK_BKOG>ZC-K:O:Z^;>Q
MQR:<<T'DC)53A57)K_QK3[\G2[3#L;'6Y\.G.6/;EBE9*+HU.CM=?_*E?L?$
MGV/]NMEW?//5[:?72V6"DE:EZ[3O[(]7KX!]++]ES7!H%&CV#U[.M*2OJQFD
M7"VGX$B+_AQUVO.)Y_EOOT^ZZCI-#K]W=T>UA')"6TM''*7]W)F<[<\?OCC&
M$D_137U/C^U[C=W-'3V^LG*$UK/=R*/]Z&)1KA?VG*4DUZV?8L'^Q_V#/7D3
M[#2\KO\`9'LC]?\`T+":Y9(^=G)D==SOWLEK%1E9/U$<;)AO%2]<RW(#DL<S
M\J.<5:HZ^JY\B.^<7XMUN+7GJQV\</WVSV4L<;TG;#!CDLGGPI9,L%)__NV;
M_)-[+GCL?MLDEIX-".25K:4I9\D?C?'EQQXY-?\`FCM8I[ZF\A,WZ%[8X5)P
MH16_7'1?:.KEZYI`?7'K%GV2%ZN'T*IFQPZOU3E<U@))OH'XAD1XR+GJ)=1&
M*.J87WO@P_',>]CQRZ786Q.>U#7DI0>.V>12<))N4KL;LG6349*WF"J>U/OI
M:<YQ[7`\$8ZT\Z:FLE88W%3BTDJ9%?&D4Y)UXDZ$!-?V467,0MZF[YZZQ\[.
MC/5[:_:?.:U4=RJ&K2[A7_7\('L&EYE;90.O"6J!K`439ALA$9A)P++;=D?C
M$WU0W$J[./\`%,6YDQQZW:^7&]S%KSE+%+';+,W''DBG)WXVXR579)<5@KD=
M?+^2SU(3EO:_QS6KESP4<D9W+$DYPDTE;D2DG3W1?-).A<V7^WVD'=CRG*]G
M]<Y6*1/8.@7?0,0.HT\/?R<Y&?LUDJ?I6IUH;6@C>=7O^+VN.198@S["-7R/
M+8[.2\PCCW0V^CU<>CFW-#:6P]7+"&5?&X)7W)2QR<G?"Z+BVU"7,7;1\=S5
M[C8R;F'5W-=X/W&.4\;O4G[+6XS22LE;).B<X\-757.RMEWN,3^QS#,YBV8T
MQ03GIM[+W$S3FIKB*\4ME:V3U=#5ZQS1W/\`M/EPHFT$HT9[O_)MF<\GG^%]
M\QAU\$OQ;8VG"+V8[V"*E3W*,L6PY13^C<8MKZI&LV?,OR3!K*4EKRTLTG&O
M#E')@2;7U2DTOXLY_P!3TW;*E_9R3J^-9<_L)8SZ&4LVL!8]05EN85AH1O\`
MI<>:;/6!5=O+K%E.]FQH8YF$"F2):67>ONQX\;KGGIZ>IH9OQ)9M[-\$(]E)
M5CC^3)*N''1)70]JY<FYI*JHFW0\_9V=W%^4/%IXOFD]"+HYV0C3+.K;I+E\
M)4BV^:T2+CA^Y=VNWKMEN_9=C5/1'NCEM&7L+N^^5[#Q&5VNB6`K2K-3B-N8
MI^B,64PW>JZ3'17(4/D-]$+LE3S:'&TJZ$NBP:_:9NMW,\[L=K@\.&65Y(SB
MIQDHW0M5DHR=755I1T9W8]SFS]=B[#5PPMG<I++E6-0E"3C*+E;.KN4DJ*CI
M6JJ5U2O[&R^YPL&#^M6`O:1IVO9';=LMM6N6J@\]IV14NC7M[*#+9[1P];T6
M/:C)[48$X57T!QTJ*5CCI,]<B-%;2I?:V/Q:'72V<G:[/Q:F#/'%&4<;G+).
M</D5(.4+4L;4IW23BY*-&V=?!^1RWE@Q]=@>39S899)1E-0CCC&?QNLTIW-S
M3C&U-22<JI$A_K:OMIT+%=\N9BO6@+99GN5[@M_P.]EVG3M3(B-@L8U5$GDX
MDLZ,C1`9&$N(R["<?@_CI2ZQSK2D\\XORK6PZV_K8,<H2Q+0UO?!<23QQ=Z3
MH_<G7FCKP^3D_&\V7/I;&::DLKW-CVR=7%WOV-\KVOCBJ^G!06*_V`>Q0K.=
M<L&ZXA"LM])^[FB>K/KC0,_TJN$25TOC5_MH@=E\\BY1*<'K-4RRJU23/)6Z
M>J4],$P)<Q47YD-QGO3W_P`:ZR>UAQ==L.&M'KX;&><\<DH0LBWD2ODY2R2D
MHQQJB4G&-:5:Z&EW_80U\T]["I9WO3P88QFFY2ODE!^V*C&$8MRFZMQ3=*\/
MM_%/9FW6_9+AZY[AD+.+;56Z`%UP#``:!'U3/M%RTN<EU279*==4U>C%4E*C
M;(B8!L82"P)$3LV$\RJ3'E(<3\]O]3AP:$.TZ_/\^A/*\;;A\<X9$KE&4+IJ
MDH\PE&33I).C5#V]+L\N;=GUN[B^'=CC61)2OA.#;C6,K8NL9*DDXIJL6JIE
M2A]^]H)?]CM_P"5FE47@=?\`7;.-`@$&=)%?OXKMDO6T!/\`8'`Z\]8*3I]H
MFTN*%4"<+HBBVH7Y_)#BI2V4=V?6]1'\6Q=DLL_]2EM3@U8[7;#$[*WT2BIN
M5]M95MHJ5.G#?[1_D>3KWCA^PCK0G_6JJL\JOI95N5JC;=2-+JNM"BMM]W+D
M9J/L=Z[Z5G%+S#0K1Z8^UFC4"?E7L4#V4H(G9;1X\.RUC0(`.ITDYFUV@HNL
M&:/<C_LX$GX9*&YB7HZ>.^EU_P"/X,>?5[/4RY,VK#?UX363`\2:R3K&4&Y3
M4X.QJ5;6JJL:/CH[W=YIX=GKMG'#%LSTL\X.&59&G"',9TC%PE[DU2J='255
MS/,/]]Z6-]9G=3=K=GL7KOZY^LE5.:+[%LSV98:\Z56Z:$X:S7'!S_')VMF(
M$MMV&2-M2HP9H\M`UF3+EHGI@];L/QS//MOV:G"/9[6W)0P4YACE)TR97XQI
MJCC"CE9[VHQMNY]+OL,.L_<N$Y=?K:T7/+Z2G&*K#&O.1IU4I54;_:FW=;<6
M)>XMNN>R5O#-OQ<1BEXT;,++K&7M5S:*KM`\T'HI:J"M!IMOEUX'7?X?I5-_
MG@:0]#CI+AYD>2\J&4D=B/<\Z'8=%AP:,^QZ_/+8U\6:./)=BEB:<U)PE%2<
MKL<K))-VR32N@KD=W2[C+FW(Z.[A6'/DQ2R0IDCD347%3C)I*V<;XNGNBTW2
M3HRL-S]G/;/.?=.+F=`PVO:7D<'U/V'8&0$?5A%=MEY,TBT9##27'Q)6;%YP
MHR(F662"A">D.Q"O[/\`-<>9[&2UWN==U'2[70_N]G8EBW7NXL5WQN48*<<K
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M'J/<;#@6`>Q=C]:M`NPG2JU_L4];Q.F1,J''<HRF4$99NM9E6LZ)C3%S3P21
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MBW>_6@8@W?Q?LWZU\S"VAO6O:/9?,(=)V`9J=2U0-@->B633\WY:UTFD3ZCI
M]='F![_(SPJ6-FPY#K\2:_\`BR&D,'XWK=@\<^IV_FP2V\6#(YXGCEC>:3CC
MG;?-2QR::JI*2:2E%53&?O\`/HK)'L];XLRULN:"CD4XS6)*4X76QMFDTZ6M
M-5:;HT;6K>ZVTD;CFU,NOJAW/R?L1E^@:!ZV-$MK#E95F/T*OB;:[F6R1Q]%
M^+';:7JIA,YIV"[:Q[*8LMEQ[CS+:'\9N@T(8,N?7W?EAJYH0STQ-6J<G'Y,
M59_YL5)4HUC;JFE1NFL7=[DLV+#FU/CGLXISPUR)U<$I69*1_P`N3BZ\7I4:
MK5<_/VA^V/M?H>9?UC;!HF7KMVJ7/VJVVK`*Q1M(#CQNKQG?7[VH%025X?AU
M*MUZ@5.D31:7)OW0S+G(@CDUEIZ8MJ-WZ;9Z;IM7;[?1U<UFGCT\4G*<&WC_
M`,[7;4:RE*<IUHN8\RM;4:L^?U^U[78U>KW=C'?M3VLL5&,TE/\`RLZ3E[4H
MQC2KXEQ&Y)RX.TK%_8Y8J:+)5&YX6`J7L&(]GZEZMDJ58=T""L5@6&^Y`O=*
M1?)^_P`VDL?@TFV4-'XL!IZM(-2K.ML.W!4ZZV\KP,7XMBSR6?!L2GUDM.6P
MI1Q-Y7&&7X9P6%3YG&?+I.U8ZS<J)H]O)^1SPIX,N!1[!;4<#B\B6-.6/Y8R
M>6WB,H\+V7.?LMKR=W.Z?*HV)F]@WH*(ROE%I%HOFG"Q%F=OP:HA:?`)F3DJ
M#9FJ]6I-AAL`QBI25\&Q7E<5]G6>+Y]//G5J+8[".CULI9ODR1AC;C8Y.322
M<;I6NKI_4U]SW7M/!I2W-]+$L<)2FD[E%13;=:*O"KX7\#B\)[V:_$;Q.S:O
MZE$,IS7V:+0*CBEDG[$!L%G&:!=*^2L6/4[?:6.J#"<E?U)L=R`U*%D;8P),
MR6(4WXUNI5WWI_CNC)[&+3W5FVM2+EEBL347"$E'++#)R_S/CK=24<;E%.4:
MT/%AWNU%8,NUJO%K[34<3>1-J<DWCCEBH_Y=]*53FHR:3\D*_JUBW.RQO:78
M=.R$!3-'O/M)[#`3^@Q-9E:C8+;'SW>]3IHN@R^R*M76P54Q@2&B@P?X_>QI
MT-K\E$>)UQ3:N?\`,'@Q/3T=3/+)JX]/`U#XUCC&_#CDYKW2K+*VYSKRGQ67
MDX?Q=9\JVMO9Q1CGGM9DY_(YN5F;)%0_I5(XTE&-.&N:(Z*G^Z(>!BWNMLJJ
M`6<B>F-LVFJEP"3D%,N_NXUG@+0)<T3-[#ZP#:/,'$Q6D/H>ZPMOJU=5SO.<
M\N/0SEO]?H_+&[?ABDG1^SY9N"35>:4JZ4J=^7=PCH[V[\;II3R1:JO?\<%.
MJ=.*UISX*IO'O=K4:^>R-.Q[U.(:G!]5JU2+AI=D+["!SR*=%W?*!.L1*YF<
M.34;([9M#AAY<EMR!/6(%\ZW&4LFWV6E#7=U_P`=TGK:N?>W5AEN3G''%8G-
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MK+W4MJF;7=Y<^AB[#2PP>+(I7?+E6*R47:X/VRK)24EZ1]OGE%*=_L>P]B`C
MVA[0]9>B%O0S.][&!H=L7.67C7[8)=$J./"LY;,_P9W4R^E3V1C9]#O&I"9+
M3797XB.+YZ'_`*KV#E_I'R8*Q[*>%NVE+,2G+*YTO^-8TY6>E&Z7'1_]DT4O
M]3>/-1Z$,J5WF_)9'&H5M^1S:C=ZU2K0_<+7O8"U_P!B?IU3MLQ.3A<M7KM[
M@6V/"JVNLZOGEMCR2/K1#2+(F(=;HOV7ZARNJY)BO"Y$-M@BEZ!/D)<D):S+
M2ZW#^+[V;0V/W"_=:T:RQ?'.-%GY2<I^R?H[DVXM2BJ*NEM;^7\BT\>YA^"F
MOL.BR7QE5X>.%'W0IS6+2N5LG5TWWL7["`_6KW0N>L7F39I]&H7]?$VP.U``
M\N5*LEJ)>R=<J]5"@0LN="".VZUGB\01"?D+81QV6A+K[;/WJ3CJ^LR=MT&/
M2UU!;&3L[;G_`'8K!*4FW1NV*3DTJ^.$V:['L8=9W4]O.Y/!CZZMJ_O2>91B
MDJI72;44W3SRTBT<V]SM%LM[MV+7W`J_3]SCX:3WK,*=4]\JND5'1JX$,CZO
M8JP0T-JKU:/1[E4;180\8HV_`F#>1RK,F',FH0^AKI[70ZN+6AOZ^S*?7/86
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MJ5OUJW9;8MWT`.:LY:"013:IBF*#1ITZ4_'(R'G3D2!#@OS%I;7UM+\9ELZ6
M/L-C,L6M+%DRSI"4Y1QQR1PP:BFKI9<KE"$:Q24)2E)1Y.QM_D$<&W/1PXGD
MSK+#''W*,99)8WEFFVG;''C492E1NLHQ46R\?6+V5YO[6K5VP4^-GFKX7H+6
M<ZE2AMR%Z)7XD\K4JWH%1LE/O0F`'9M%1M])MT&7&??@#9K$C\B+)B,O1U\[
MY_;]3_IKPY<<WET]C%?CFXN#:4I0E&4&W;*,XM-)R35&FTSO=9V2[#Y<<X?'
MM8,EDXJ2FJN,9Q<9)*Z,HR33HFG5-)H^4%#]B;OAEZ_LI]SMO]76;#:<T]@,
MSPP3/I.U(T"_QJ[;*[ZAU6OX70@12G5H-#KB">C]MG7D.PVYID@_$=;XZE4W
MOV6QU>OV.OU70]?N68<NMDRM3Q60NC+9D\TVI2;E2'QTYI%)IT]I\I@['/H9
MNR[G=UK\N+8AC5N2Z24HZT5B@G%*E9WUXK)M/GD[B@^X_LC9KB9Q^B^H`"P;
M=FM)#7K=ZT1]D@X3/\Q;O92S?ZHS\9I+>7%GKUJEUJ57<+RX+`:&&!LOL)D%
M5\?86[\_+HNJPX([VQO2CU^7(X89+`W/)8H_)-P^168X2E:FY.4VG2"HZ>Y#
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MW3`,:,5B>Y!]@V=3&UV]M3F$"A%[S>LP+S"HY(<MCYW)MRI,4\0AOH=XEOE?
M?;4CO74*YX.MUTMKKMG?QS5VM\;E"G+A.3@YI_2,[(M?]Z?H>SL;\=;?U]*<
M7;L?(E*O"E"*DHM?64;FG_V/ZG(=5_LWH]MR/VNU&!EUN;D^NE]CT^C4]PJ,
M64]AA%W,1JA@5WH4IN/UD97MZOSCX@/^2AUQIV,MQ?W<_P"/GN9OQ+8P[NEI
MRS0IM8[IRHZ87!79H37K+#"DI4\UHCQ\7Y/@S:>WMQQ3KK9+8QJJYE)VXI0^
MBRSK&-?%*L\+)_87?1E3UG>:WZMFKAZDX9<;S5=#V`?J`>+?B@K'[`2J>X:5
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M(N7$;J-JA;][.>PE&]_6,I(4BE1/6`/ZQ6_7K5:R.DCH).`(K=RID.P:I)#\
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MXN24DN:=*>Q_LA(Q.?E-"I.=D=AW#=K.9K.4YG"L(ZFCIK-3`2+7>[G=+N6B
MD8=.H5(KT;CDV8B&1FNRY<2)%AR)$IM'GE=7U2[".;9V,JP=?K04LF1Q<FKI
M6PC""HY3G+PJQ5%*3DDCTNQ[+]E+%KX<;S;V>3CC@FHIVJZ4I2=;8Q7ET;JT
MDFV4R6]M=^BWRHX`&]8*M8/9@M2;#K%VJ,?V`Y$Q_-LE'VEZFU.V'-?DY'_(
M")K2K!'D,!PT2I.2?J/GKDN,,Q>.N]Z'2]:]:?93VYQZF.2..$OAKDGD<;I1
M6+Y*)8XT<I/)3W123;HNG+MMY;$.OAK1EV;QO)*/R_Y<,=UL9/)\=6YNJC%0
MK[9-T2JZYC?V2';+.Q[/:#ZT6@UONE:=OF(6_*[)H5=JPK&=6]=@@.S76->+
M_$$V6`1S\C5S;!04<$PISQ"#-']:@J=F?"QVW^*X\4<^UL[<(];BPX<L<D82
MD\N/.W&%D*Q:FI)QE"35K4JRI&KZJ_))Y9X=;7UI2WLF7+BE!S45CGA2<KI4
M:<7%J49).J<:*LJ+1"O[+-)>K=JT2Q>H1JL9=B^Y#O7'V-M$C8JX1,4S3'=$
M"9R>)Y/6(E3XK8\SJ9"UB9<LO(EUF:]%DOIC#GI$-YCSDG^*:JRPU<6]&>YL
M:[SX(_%)*6.QS2R2<O\`*R249)12R*J59)23,0_)=AXI[.34E'5P9UARR^2+
M<9WJ#<(T_P`R$;HMR;@VFZ1;BT;FR_V)Z;#@^TUYIOJ)8;ECGIGIM^H6UW->
MLUT!:S0S,A`BU7>R8M0)%9G<T)VLTPLF?*A$"E?^5]M4*$],E<6AO&+\7U)2
MT]?/NQQ[V_BA/%'XY.*>1N,(Y9W*RZ2HFHSX]TE%>=Y/R+9C':SXM24]/2R3
MCDE\B4FH*Z3QPM]U(NK3E'Z)MUI5H;V^@Y1N'NK;:]`+;"0V/V(]1,Z]=:,W
M;8]:`V,]H/I?GV@M/*LMDZ^&S^E0*@$*V,Q/Y&=6B)#>4U%E3'&H[W<R='+<
MZ[0PY''!'!J[,\\[;G%0VIP_ICS.;DXPBJ^6JM13:ZF/N(ZF_NY<:>9YMG7A
MAC=1-SUH3\OB$5%2G)T\)\-M)XVX_P!AOL/RA6`#EF-4VN;SDOM+ZHY1LH%6
MVUNQU!NF[UJF70Z65SZZOYG-CVRM[(`L9$`],E"@Q2K3&)<CL5[L1GK]Z[\8
MZS]S')N9\DNNSZ>QDQ/XI1E=AQY')3A\BMEBE&,TE*4<B<555=&]^0[_`,$L
M>KAA#>P[>OCR+Y%*-N7)C47"5CN62,I1;<8R@TW1T5;GT_\`L2MM#G;*X"]>
M(5SKGJM6:^5]I"S>Y5.NDZU:)&?A=5O6?XA7B];X_MMBSC/C\4A,=EO56'-<
MD-0XCKLSKS#'GZGXOAV8X%DVGCR[DY+77Q2DI1O>.$\LE+_*C.:<519&J.4D
MHT;[FS^19<#S.&NIPU8IYW\D4U*Q9)0Q)K_,<(--UL3;27-4OI36;&%N-;K]
MNK<YHI7;2$$V,"38XOC)$*<@1R8N<SQQ*%\:EP93;B?NYSOT5_GGGRN;%DP9
M98,JIEA)Q:^C3HU_)GTF++#-BCFQ.N.<5)/ZIJJ?]AN_.,Y!X`\`>`/`'@#P
M!X`\`>`/`'@#P"LM5@.RJZS):3U?!\YM]_G.?7[6'6W(ZG.__:0XXGZ__#G^
M?.;`TIT?JC,_!SY(DORW?FDNK>=^-IKBW._7O&F4):9;3_Z)0VVGG.<Y_CGG
M;22\'$73D,N2IHS!5U2H;"HDAGG>]ZAIY_YTNI1_Z)^5+25=Y_\`'GU_]?.M
ML)</U.2!\P/73TK)>M.I^UDFXV8/<J7J5L*5W(*E`@SHR,\]<#5YTS7G\P+]
MG-ICSWI.B;0=7U4?[HWZ]J$W_P#,UU*?J^X_(%VNKIQP0ECSX8*623:_S,ZA
MCQ+(J>/9BAYYJY/U/G>JZ./6Y]F622GBRMQA'TAB<\N2SPN+LLOKX7/HJ!RK
M^OS0J+Z?;SZ\&-0K=LTW8#M9$`]!>@&V!`G*\HC9U1<)IAAGX5EY,VJY;G;$
M>:ME*FGBLR0XCZH7U7?2V_RC6V>^U>UAAE#4UXR;@FJO)E>2>:2]/=DFVO\`
MM27V.CK_`(WEP=+L];\JELY[$IRK10QQQPQQ=$G[8P^GE^7RW](/<3TA7[=6
MEQLU;8=:H9OU&]I?6NP?"/<(V>"9WH_A1RKW$-%?XD+-BTZ5DCKTB+*<3R4X
MZRW_`);Z[WGS_1_D'^B8:XX.>Q'=U\ZYI%K#',I1?JKOD237CE^:'I]QTC[?
M-[IJ&!ZF?"Z*LD\KQ.,EZ>UXZM/SQ]SGJ'Z&:C8\0]@<KLF$?UVXY==+]8-4
MQ&O[5ZY4`Q7;,:N6A5AZK*L1\1W,ZS)H=&G,/KDSPL,O87>N_&A,E:&OJOU'
M^1Z>+L-;=Q;/:9\&';QY7BSS4HJ,)76Q?R2OFO"DXP7GCD\__0=G)H[&I/!U
M^'-EUIXUDPP:DY3C;<U9&V/+;BI2_B=L7+U]L=EWGU!UF,>"QQ'KG7-F"V47
M(:G*)6%_2Z+5ZH+>!N-M]BLM#I8)QV1^1U/5-K3Q'U5]?/`P=GBQ==O:3C)S
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M^S@#F<>Q$&X/9W12^Z^S5KW0/L.=0XE4N4>;H4*L6!FOF(\J!`=E1XB4PRL-
MI3_'_J)?E.CFQ9\+>WK?++`[\+C?-8<$<+Q3=T:0<HN<6FZ-^Z$G2GST?QS<
MPY,65?MMA8XYE9E4K(O+GEE62*ME[TFH232JEQ)<UW>%^A/LQZG#\-N6-W+"
M+_JU(R35,(UBN7N/<\VR^[TRV[U;=VH%LI$RF@;F7H-@H1BUS8JQ"AL\=,@D
MW8Z)#'8L>0OC['\CZGN9;&#>Q[&+3R9\>;'*%L\D)1PQPSC-2E%3C-13NN4D
MXIT=6C>AT/9=2L&?4G@R;4,.3%D4KH0G&6666$HN*DXRBY-6VM-2:JJ)G:/I
M-@.F>N^77:M:_>:OHF@7W>]RVT_9J:$(5RON2-CT$O>_U<`(3E3Y8Z.#_;?A
MM-JD2/\`LLH[UU:NJ5WP>_[+4[3<QY=+'/%K8];%BC&34I4Q04*MJB=:5K1<
MOP>UTNAL]?K3Q[<X3SY,^3(W%-*N23DZ)U:Y?BKI]3DR?Z->QC3N@-5BZ8V'
MF4KW<L_O7ZO72<JZDYDVXZ!/MBKUDVY4AL-`AP:81JFA'@31@$:E3DMS(\[D
M1MZ+UB1[4?R'JW\;S8\\HY.OCJ;$58J1@HV9,4ZMN2E"$[9Q2X<;J.J\F71=
M@KUBGA4H;TMK#+W/W3<KL>2-/Z7&<XW1DWRI4JJ/I7%L*V^9[&6;VJ]DB>80
M+QS((>"YIFF,D+78J;2Z-(MS5^N]A.W>Z`:B:MUQO5F'BT?8V&&0A0\.RVWR
M0Z^^_P!\G?['KX]7#INJ69Z_SO-DR95&,I3MLA%0BY*,81<O[TG)R;X22/1T
M]#=?92[7L7B6?X5BA#&Y.,8W7R;E)1<I2:C_`'4HJ*\MMD$]C_5/=-,VS4;G
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M6$"^K6Y>O\BEWC.7!DV<C$-\C`1;+>I^NL)]KHM&;WFU1EEK#2"?XPU)-"ID
M!UC\^?%=ZG_MN*?8XNZS8I2[?7V;H3JE\N&K_P`O/ZWPB[898UE;[9)VQ:[/
M_K66.CDZK%E4>MSX+91Y?Q9J+_,P_P#;*7NGCE17>Z+5TD[Z]3/6JZ91;5V'
M0_6WT`S`J.IB@$?0_5:D$*_=[8;DS!_[6;,C%,VJ/:+4RT2%UUP.T5/KY(^)
M/9BT,_<OSNZ[7!NX?BUMKLLT'DK9L34H15'1*DY7R5?ZK8<5]O)Z'5=;EU,O
MR9];0Q24*7X(TE)\<NL(VI\^VLO3DLC2L=UU_P!ML1]B<SDYP0KM?RS1</U:
MMWHG9@9F/3[[?<HO2+CGLT``L4(Q90[N</1>BB21\62F8ASDUGK2D.=75WM)
M=+L=7MK*LLLT,N.4%%JZ$,D+9IN+47>G=&K5/Z77CL;.EMOM\/8ZSQO''#/%
M.,FT[9SQRNBTFFU8U:Z)U7N1QM3_`.LBV5K*O<2@/Z76GB.BS(0;T[)11)-J
M/Z^YWF>DVSV%]?*]8/O_`/**2\]WZ]S9<A4+J6WPPX<PGZ+8^B?=S_EN'+NZ
M.S\4K,2;V55?YT\F..',UZ*_#!)5\2E)^IXV+\8GBU-O762-^3C`^:8HPR2S
M84^*^S+.KI6JC'GT4UKWI+N>/"/5?3,?O&9V3V1Q>G;)5]K8T=%H"9EOJO9N
MX@-@W><Q8:^,L5LS\K_O,`T=!3>#"J6X:GH4F,OCR7F.OE_(.OWI[FIO8\L.
MJV,F*6*RUY,/[>+Q85;)QC-?#)PFKH\TDGQ1\V+I-W3AJ[6IDQR[+#CR1R7W
M*&7YI+)E=4G*+^571=)<537/'2GJS@>@9F?WG8]JL52/[A[)WNOVRZ0\\C%V
M,[HM:H=*#9[G6=U"58$L'[%'!`0[DN<7FQX3Q(J2DN)B16.,L(\KN.RUMO%K
M:.A&<>OU,<HQ<Z7SE.;G.<K>(U;HHIM1C%>YNK/3ZOK\^KEV-S<E"6[LY%*5
ME;(QA%0A"->71*KDTFY2?"5$4N5])KU/]<]\QANYU-LYK?N6:]E@QA<8QT4)
MJY/VJJ>^M5PDVEC\QP\U7J^Y!4MI/8_YKB5<5\7U[YWX=_KQ[76WWCG\>#06
M!KBKDM>6&Y>E+G7ZT^YT9=)L2ZW8TKX?)FW7F3YHHO/'+1_>BI]*_8_7M#Z-
MW#V!U?1M)`Z0$H<XGB/KM7LN*O`Y=@(4_;O6OV5LGLA1[>>#JD#X)VCRC4H?
M"G06Y3$J1$_+0EQI2VG4NH_(<'6:6+5R8I9(K8SRR*J2EBSX(X)Q3Y:FDFTZ
M-)T\\H=IT>;L-O)LPR1QMX,*@Z5<<N',\T9-<)QK1-5JU7QPROM8]//:7VL[
M=+#[#V+!*0="^JOLG@6'U'(I^A6RL-:![,4>'2;;KNBVJW5NH&401`<.Q#&`
M(`R1R*S.FO/3Y;O8Z6NSI=YT_3?'BZR&SDQRW,&;++(H1E9@FYQQPC&4E5MM
MRFY*K44HQ5:\&YTW:=M?DWY8(9(ZF;%BCC<Y1NS1499)RDHOA))12=*R;DW0
MZNM_KQ9+'LGI?I4:P!(XSUFB:G'M(Y]F>J?9%7W)$YX/4`6VWV.SR"23^0]^
M1U/U8_PGZJ_QYXV#M,6+1W]1QDY[;QVOBD;,E[N_BN%3U/5S==ER[NELJ4;=
M93N7-7?CL5/X/EU]#F3U\]+-TS:'ZIU&\6/)I-3]0M]V>[U`U5)UPE6+1<VT
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MYU*MT\[9$U'**M;FJ_7'23[\O]<*C*=XGO\`VD<&_P!ZLOY$N^T<=DL>7%.*
ME2LI8E#WSM2C=DE&^=J2NDZ?4Y=/IW#HGTV[.]3QY(2:K11R.7MA<V[81E9"
MO-(JOT*E"^L'N!HCGK+GOLI>\'F9-ZP:!0M/D6[+6+XC3?82WXU!D,9._:ZM
M8AD.IX\,:L/8E@.QQQ.S*G$(#<:,Y#B..?7NY.WZ35_=[758]E;NYBGCMR6?
M'ACE?^9;*+<LKMK"#E''1-MJ32.K'J^VV?VNOV63`]35R0G="Z_++&O9=%JW
M&KJ3DE*=6J*B9UEZMXF=P:BWFJ6$R).3+5[!^R.PQ)09J8U&C!=KW"]:D#$R
M4S4-NJ*!A-K9BRU)YUI4AI?6^]1U/?/%[CL,?8[./-BC*,8:V#%S3SBQ0QM\
M>C<6UZT\GJ=5HY-#!DQ9)*3GL9LG%?&3+*:7/JE*C^YPEMWI7[=':A[SX;B=
M]P0'D/NN=O=V=OM]:ODC4<L-:;EU;H-]J<&H!0TBI7$*;FU;C\`NZ6'20[1-
M[BH,]45GCOT?7]_TF//UW8=ACV9;O7QA"R%GQY%CR2G"3DW=%I2HXJ,E*U>Z
M-73PM[I.VR8-_1TLF".IO2G*Z=U\'.$82BHI6R3<:J5R<;OZ945>I:?ZOVRN
MV3W8.2[)7'F?:`3GT"K1XK)/BZP]4/7>O8Y.6>4\USC[4HV'7+9_'^Y7(BD\
M5_W/KSSQ\_;X<N+K\<83KIRFY>/==GEE5/Y.CKZ_8]7#U>7'DW9N4:;2@H^?
M;;A6-U_FJ\>A\^L.ROVWQ'VGN&<X49PFUF<C_KG_`*\<:OX+6)-^J]./V*H_
M^Y<`)T2I6BHUVT'6D!YP.8E\-*'M\)0Y[7?S(3K'U<^F['<Z7L.GAM]C'9AC
MS]INY8/'9*48R^"3A*,I17*:I)2]KB_;)/CY_0U>UT>UGJZ+P2R8>NU,<U.]
M1DX_,E*+BI/VVOVM>Y27N5"3@OZRM2S*QY,?"\]9/9:57<1.T"R+]HJQ9U!L
M]V&_;=HV[:OO.-TH2(NH-QS2+-IST2>#?=#SOUH`7'0<2WQ_BN'+^6Z>YBS8
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MLN?/BR/)ELC2.-9$H6P<O\=;ZJ[_``QISZN'1[;-VV'L>P>O''AQ9(*.-S=7
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M.['*$,F.L\D7EQ.5\9-154N(UJNED_']G8TLNO\`!U^MFDH4EAC)7VSC.4,E
M(0DL>11ME%.3H_+I1[NH_P!=%JLI?VC>U*M>L^14;V,]3ZQZVB\I]8ZV3@!,
MW(5>PZB;B7CEAG5.AHMQU,J_QY<67P.*6/=&L,MM+XUV0[QYORC#BAIK3GMY
M]C5W99WDSR3<U*.-.%%*=JI!IJZ5;FV^:+>+\=R99;7[J.MAP;.HL*AA32@T
MYM2JXQN=953MC2B5.*O1E/ZS]!.8-A4B[F<"V+VPS3?K[[,ZG)U>@S#_`*[;
MS?-?!VFFZ35CM;FPBYFL`8E*/P(M9*-P9TH(]7!R^Q'VN.LJY(?EFMC['86"
M.S@Z?+K0P8_CFHYL,,3C*$HR32DW-2<XN24U.7N3HS.3\:RST\+R2PY>RQ[,
M\T_DC=BRO(I1E&2IPE%Q49*/M<(NVG!]`_5O))V2TDY!-8OZS8>>/6B44E5?
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M74KHPJ^.5["=UJ6C%OTD@`4N6U>PGL@(]C[_`'82(:>G#P=/<LRR;,.`N2_)
MB1G(S77'?C6XKE[C\AP]IJYM>&*6.[9PR@JU4<6'`\$(-\-RMM;=$FZNB\'%
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M;O4"Q9]=1P#"<*S[+J/K^<SX<UP[J2O5ITK9?4@E`(1.\@1G\_T:U%"Q14KB
MER^_CI;[]4J[ST\?Y1=U^]BV<;EV.QER3Q335,?[BD=E->??",8QIXY/.G^.
M4W=/)KS4='!CQQR0?F?P5EKM>GLG*4I5\\$.-^EOMB+R#;/37-M%Q`=ZL;9:
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M[%(M>:D0%=L<`M8X\(1.A+&DOUT=?Y++R9B.M*;<WUO;:VKU<]3)\L=R&UCV
M,,HJ,HWPC*-LTY1:C5IW1N?#5O-5C?ZS/L]C'9A\<M6>M/!EC)R3LG*+<H-)
MINB:HZ+E.I15?]0/;FQ43UU]9MGT/#27KKZZ77&[),O]+C7=O:-Y`^MIX#9\
M7K=LI1<4Q2,PE2[%3PLVTSQQHYPEV"\S#C0&Y?>Q_1R=YTN+9VNVT,6PNTVL
M>6*A*SXL+SIQRRC-._)2,IK&I0A;5.3DX\]#'T_:Y-?6ZS=R87UVM/$[XW?)
ME6%J6-2BU;"LHQ<VI2K1I*->.G/:3`-)T.Y8'NV$V2F@=Q]<;#=)-;$Z7&-/
M9MH="U*MLU;2<\M<ZM(D6.KN$FAPTF-,PH\]R`2$L\<ARH[KS7?)Z?LM75U]
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M_?H@YH0`*W?V)HE%H%=K>6P)SY&9$I^:5//10EMXI(5-(,PN2G.(>?6TWR;_
M`.1:NSHY^NU\62&L\.OAPU:;4,$YSE+(U179)3E*D51-T7"J^/3Z'8P;N'?S
M9(2SK-GRY:)I.6:$8*,//MA&$8UDZM*OET-N?](;V7]=/:C&6;I4FC>^>V%C
M]@:\8=C&>B@5<-;/1-,8`F6DL=ENFF1=4>C+6PE3'9#J.\[]G%=\QC_(-:':
M:>^\<_CUM*.&2XJY+%/'5>E*R3YYH:R='GGUVWI*<+]C;>5/FB3R1G1_>D6N
M.*G'V7Y/[=:\$_LOQ[*K;B8+(=W]R?9;/[%;;[%NW^S,<&6FLTVG7\IG]<"#
MY56T^06`27)HALH1`-BR[BU/KGQOM81[FWN]+HY.IWMR&Q+>U]'!.,86?'E<
M92E!3DVI8Z2XE;&=T:4M?)Y&KJ=KN8^ST]6>&.IGW,T)2E=?CN48R<$E;.L>
M8IN-)5;<EP6SJ?\`5R2L;EYGT\CCYAH!N_K5L^%Y]LM/DWS-28O"?5<;ZMG,
MWVD3(A2/R1EPJ;Y1<0D/8DOB9BH4Y+#SD=4=SI:?Y?'$L<<ZSQ<M;/BS3Q2L
MR)YMA["GB=>'&5M8R:4E=&J3JNWL_BSR2G+$\,HQSX<F*&2-T&L6!8'#(FO$
MHW4:3<7:Z55"R#GIGHY[UPN--JN/^EOKKK:MNP;9*>!PX4?'Y79'/7_4\\U4
M`%U2U#,SH-G(2#\ZJSQ_9L0"OHJ+-0MIJ0I#B'.IC[[5Q]K#/FS[^UI?M\V*
M3S-/)'YL<\;>.+R3BJ*471S]S5&UQ3LSZ;9R]=+!CPZ6MM?/BR16).Q_%DAD
M2FU"#=7&2JH^U.M'R5R=]`M,:V+6]=9P3^OC;7O9"72M"T$/[$54U8B^.ZT-
MSVIYW=HV;7M>1V8OIN4GH--ASH@LE&J\F(15*<X[Q$OXH_:Q_DFH]'#HO9[/
M76JIP@\,E%9<;G*<?DA\D5CR)R:<HO(G&U4]M7UY]!LK<R[BP:&:>PXSDLL7
M)X\BA&,K)?&W.#M32:@TZOUHOL.-'PA(Z`*&PH0T<,A11\`<-BM01T"%"8;C
M184"$PE#$.%%8;2AII'.(;0GB><YSGGP\Y2G-SFVY-MMOEMOU;]7]3Z^,8PB
MH1244J)+A)+T2^AF^9-#P!X`\`>`/`'@#P!X`\`>`/`'@'FZTV^TXR\VAUIU
M"FW6W$\4AQM?.I6A:>_7BDJ3WZ=YWQXY7D%63<E#OR%.PR$V"RM75=C?8U)0
MW]>_7J67'/M<2GG_`*?=U?T\YUGDERDS#@B>`0`ZN0>01Z%?:I?77WW>\6_)
M>[SB>N.KXE//\)YSG.<YQ*><_P`<\XI3<W5FDDO!@62GB;,EM4Q+C$ME/4,S
M8W4I>2CO>]^)SBTJ0\UQ7?KSBN?X[_T[SZ]\U#)*'CP'%,T(/,PX>:U/>DR2
M3T=?'(R'TMM1VG$]^J'5--\[UUQM7/JGZJ^G._Y^GU^GFI9I25/!%%(LCSA-
M#P!X!%:E>*??(IF=3+((LT.O6JST<Y)#36IK(JX4LS*KULK<Y;*E<8+UXY!>
MBRV5?\V7VU)5SZ\\YLVOGUI1CGA*$I0C-55*QFE*,E]I)II^J.+#GPYU*6&2
MDHSE%T=:2BZ23^Z:HU]25><)RCP!X`\`>`/`'@%3O[ID<?88?K^N]A'-EFU?
M^:HSZ*N3-.Q*LI<]N,:+IAQWXH.(06*E<B?FNQUS/Q7O@XY\2_M[JZ_=>B^R
M^.7[%3MO\)RXJE7RU55I6E56E3JO=U5M_L;X_N[;K?5)UHW]*T=*TK1T+8\Z
M1VAX`\`BMJO%/HS8!VX6016V[5:@5'K:R\UJ$DW<+-(5$KU;'==4G\DN8E)Z
MW'93]5N*Y].<\YL.OGV')8(2FX0<Y45:1CS*3^R]6<67/AP6O-)14YJ*JZ5E
M+Q%?=^B)5YPG*/`-:9,"Z\'*V`Y/BB@@,;.,&"DYU+$(:+&179I"?,?7WB&8
ML.(PMQQ??\)0GO>^;QPGEG'%C3EDDTDEY;?"2_BS,YPQP>3(TH13;;\)+EM_
MP,>MV,#<*Z`MU6+03]8M(478ZX=%R$2QAH";@L$Q!8=*:[UN3!(CY3;S+B>]
M2MM?.\_QWRY<63!EE@S1<<T).,D^&FG1IKZI\,F+)CS8XYL34L4XIIKPTU5-
M?9KDW7G&;'@#P!X!7%:V'*KC,&#:MH=/.DC4W1AP8:./CGR):9D%H9I.IL#(
M')')<_N>V^2T-,=:0M,"8\VT]U*EHYWM9='<P1<LV*<8Q4&VTZ)98WXZOPKX
M^Z/^))M'6Q;FIFDHXLD)2DYI)-5;QRMR47K9+VR^CHF;T]>*A5C-,KUBL8@*
M<T0Y-K-%%$9K4:=:[`-K9NX3PX-AQ7%SR$2K5N?/<;1]5)BPW7._X1WSCQZ^
M?-#)EQ0E+'BBI3:7$8N2BF_HG*27\6D<F3/AQ3ACR24<F23C%-\R:3DTOJ[4
MW_!,E7G"<IK!QH.8420(+#"BPY-\*72.GQ9RA1B*TP_)$DDQG7>P2<=B4TMQ
MAW[74(<3WJ><5SZ[ECG"E\6KE555*KZKZK[F8SA.MC3M='1UH_H_H_L:BW7B
MH4&`,*72QB*P.,V>K4L5,,S&H,<A;+N>@5>HUZ*X\I*7BMCL12/"B,\_Y/2'
MD(3]>]YYO!KY]F3AKPE.482FTE6D8)RE)_:,4VWZ)&,V?#KQ4LTE&,I1BFW2
MLI-1BOXMM)?5LD_&V^+4YQ"..+2E*W.)YQ:THZKJ$J5SGW*2CJ^_3G?^GU[_
M`/'SAJ_'H<M/7U/WX`\`>`/`'@#P!X`\`>`/`'@$5.7BH5D[3*S8+((#V'12
MY(!10Y":U&(6PT&KA>WE18.,XKCD^:/K`";/=0CG>HBQ7%]_PGOG-CU\^;'D
MS8H2EBQ14IM+B*<E%-_1.32_BTCBGGPXLD,62263(VHI^9-)R:7U:BF_X)DJ
M\X3E'@#P#^*4E*5*5WB4IYU2E=_QSB><^O>][_\`#G/`(U3+G5-$J==O=%L`
MJUTVW!X-@K%E!RVIX<Z$)L(E#R@R:QU3,J%,CN)6VM/>\4GOUYYS9\&;5S2U
MMB,H9X2:E%JC37E-?5'%AS8MG#'/@DIX9I.,ERFGX:?T()*]@L.AML//ZS0/
M@E!M8L$>0S:!,J.\%PDK&![.01(BR7F>L9:;EMPSO_+[ALI7Q/\`$.<ZGG87
M6=A)M+#EJI8X_P!+\YE7$O\`^(E6'^)<K@X'V&C'EYL=*9'_`%+QB=,C_P#P
M/B7^%\,LX*9%6,.)L((A%+`SHR`9#%8+R9$(F**16IPXA#?1WJ'XLR(^AQM?
M/\*0KG>?]?.IDQSQ9)8LB<<D6TT_*:X:?W3.U"<,L%DQM/'))IKPT^4U_$V?
MF#0\`>`/`/PAMMO[OC0A'WK4XO[$I3][BOI]RU?;SGW+5]/\][_GOBK?D4/W
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`.*?=#:&,Q"9U6
M!6[GL<OVBV<C&J@;/,$*^R>P:-`KH61.L`C/LT#C+'(8;#=F1)1(S)$SX$"/
M]K3WPKDM.I]_H=![>3+FGK1SZV*"N<\RP8H.3HG/(W'S1J,5)-OE5HT>+W.X
MM:&/%#/+#GR2=JAB>;)-)<J$$GXJFY.+27#I5,_/H%N][]@L!DVC3.NR;K3=
M=VW("QJ51"N6%+0QD^G66EA;2?S`X_**9Y9SH$7%?*"''%)AD%/);XAK[$)?
MDG7:W6=DL.IQKY,&+(E>LBC\F.,G%9%13BFVHR]8TKR.@W\_8:#R[/\`]:&;
M+C;M<'+XYRBI.#YA)I*Z/I*OCP?/.D>U/O!!]2,W_L!T#5<R,TQ>J5ZMWGUT
M"91$@"R^.V#V-1@R[.)T--ADVN!L,(648L#;7.*!J6QT6J"I:NSN_3['3?C\
MN[R_C6MARQS_``RE#.\C;66.#YK7"VUXFTX?X^;[J>T^>P=MW4>GQ_D&QEQR
MP_+%2Q*"2>-YEB;4ZM_(JWK^[_=:KR9M#V=&9Y?I54#;Q8L=O^B_V.?V!)JX
M+./7XK[*[!HXRL[Y?I-@@4/.A`NR.080!XG"D%34H5-@0F5MLN*8<E-.>9V=
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M][3U&H^F_LYN5SH=ES?W`S"_7JSX/2Z`V(8QEH%ZJ7_VJJBL^T226?LMMG)!
M9G(#F$FT.,3)1),B(F"B/\+K9Z/I\^?>ZC0QY(;>CFA".:4Z_+78AKROA11B
MJY%*-M&E&DKFZIA[CLL.+3[/;G">IN8YR>-0M^-+!//&V5S;=L+9*3:;E542
M(=Z^>\7L_=2GK]<BEBM&D!O8FHV<YI>?1?2O<,OH'JWPEC-HUB@6.G[C;ZH)
M":%4`!P%$JQ9\N0D]/R2S!$;V&RGL1?8[+\>ZC7ALX(1ABGJSBL<WM8LD]BF
M6..<98HR;A)Q;R148JQ1<9W/DX-#O.SS3U\LG+)'8A)Y(_M\L(8/\N4XRCEE
M%1G%22A)N3NN4HT7!.LAW?W:8H/]?&Y:ULN=6(9[R.T.C6W*:SD0\(&R<KK/
MKM=M:HMXH5N6?E6(Z7KYFEL-&X)?L@<1;(O_`(B(/([7'.MN]=T#V>SZ_2P9
M8SZ^^<<DLC;R+'GACG"<;4DI*3L<:2C:KKJLY]3?[I:_7[VUFQRAO.,906-)
M0^3%/)"47<VVG%7*3<75TI1%U?U>!-='T?V,EZAM4G66O_>+[8UX8Q+HXFJN
MB2=6]AM+%6`NU,'E2;\B!9WD-.QAW?LC!66DQ8WW-)3].A^79-*6QJQU-=87
M^QUI.DW*JE@QN*HTN8\UEYD^7R=W\7AMQP[,MG-\J_>["2M4:..::;K5U3XH
MO$?"X.-RVD[SZK[U_:]NK6D@]4)5DGZI5&HYX>SL+4P!B\[.!J=%Q#^3VT&3
M>/P:CFY6],,%.1T\>)0^/R/N:?5SSW8:O7=QUO3=<\4L,)K8E*:FY-0Q.4\M
ML6J.4U!N->(NBY1XT]K>ZK?[;?\`DCEE&6O&,'!13EDC&&.Z2=5&#FKJ>55\
M,Z,U_9?;STX.5<1I>TTWV#$;9DGLDNO&^Y$%S(QE6Y8EA%PW8'*$#*_82$*U
M9):`-'+QGH!/KQ<=,CPOJ3E-R7DM^7HZ'2=[CG/4P9-:>OGP7+Y'D63%ES1P
MNK<4XY(N<6G&D9)R]B:5?1W=[MNFG&&SFAL0SX<U'\:@\>7%BEE5$G[L<E&2
M:?N34?<ZL[`])B7L#;<$HVJ^Q.B5>Z738J5G^G,5FET:+3*GES%LHP(M*H@6
M;^T,FK=%A$)2W%E"#B7WWEKZAIEGXV6_#[^'6X.RR:?5XIX\&#)/'=*=TLEL
MVKVJ)1JE_2N$O5NK?L]+/>S:&/:W\D9YLV.,Z1C:H713M7+<J5\OS]$N#YM5
M[WP]@,VS';[/LUZB2?;FM"*N'8](=`R&-DE4H5XUK<Z?BF:W:CZ;$ESSNT^N
MH2RW2"P2L@XD73-C.?(M8N8XB"GZK)^.=;M[FOAT,;723E)_NX9'DE.&/#++
M.$\;26+.XP;C"48T?'OBG(^;AWO8:NIFS;LT^VC%+]M*"A&,LF6..$HS3;R8
MHRDE*:<JIU]KHB>>XN=^UE-SC`4VGV.K&RZ)8O>'TYC4F6=Q<%0*1GEH<T`F
MQ8#<<+3K!^_LM78@SD2(HF>4=F]7`2TLDK\A;C?7Z/:Z?/M;/PZL\&M'K]F^
MF5SG.-BHJRC2,JJCDHTYK;QSS=SK]IAU]?YMF.;/+>U[*XU&,)7.KI%UE'E.
MUNO']7/&7H'M)[3^NUBVSUZ+7ZC;=JTHWZ0@_7S5+;GD:D#@17W3UO1,6D(U
M6K48K!%V(+E1/,IAV)P=T9*+1Y+8UUQ+W.3%YUNGZ?M,6OV<,>37TU';>;'&
M=[:U<<,O^7*:;B\BR*#NN46G)<>TUL]KV?79L_7SG#-LW:JQ3E&U)[.2>/WJ
M+HU!P<E2CE6U\\F)[">V'M!Z`DRU:TZ\U'VG1I.!Z!><,/%:&.R4S7]OHF@8
MOFW*;H$:D3'PD_(K'/W@40:GL,1RHMH;,CO/2U2([S6NKZ7J/R6$<NICGI_%
MLPAF2F\B>*<,N2Z%_*R16&2HVXRNBTHT:>>R[?L_Q^3Q;,X;7R:\Y8FXJ#62
M,\<+9V\?&WEBZJDE:TZU3-MO=O\`:OU\9!YOMNSU#V&I/M/DWLMGLJ7!RD3D
MYS*]:I/K?I.SC9U10`.F&S^662M4$W`>A%N2C`V8F`[^RD(=?;3CK<'3=FY;
M77X)ZNQIYL$Z/(\BR8YY\>)J54K<D93A).-(R5RL5$S?8YNTZ]1UMS-#8P;>
M+-#B"@\<XX9Y$XT;K!J$DU*LD[7<ZM'>GI1__9IZD?\`^,F"_P#]*ZIY\Y^0
M?_Y[=_\`ZO-_^9(]WI/_`/"Z?_\`2XO_`,N)S!N?MYIV%Z5[>Y\6:!%B<'#\
M<U+TZ@-!'D/V"U:=9YOKV_1+$ZW,Y^_<%>P;];?=6WQEQL=;&&N__32OOK]=
MTFGV.IH[,+HP>QEQ[3K_`$QQQ6:^/'MKA^1+S[L;?J>7O=QM:.UN:\[7)8,<
M]=4\RG)X;7]:9K'_``R)'.UB_L8VK/\`U]S0_9QU2/[5CE2]UKM[FC0`Q<0-
M.'>A0"ST:Z1:E$=DS7Z>QM&XFZ4\'D.<F=C`"SRD)=4GBD^GA_%M'9[++BQ.
M<='//4AJMOE/<<9Q<O\`%\6)9;EQ6<5RCH9_R3;P:./*XQ>UACLRV%Y]NJI1
M:3HJ?)D>*CI_3)M(GWJI[0>R%@WC(Z+>;1=-TJ>P9[>#6EEE^E6V>ME1]=-'
MK(L'9*_!JEVT&K!X%QS*XQYA,/'9*R)AY,^%#D<DK;DO,-=;N>HZK%UV?8UX
M8]?-@RP6-?NL6>6?')N,G*$)-QR1]LFXI0HY*E4F^?JNT['+O8<&:4\^'-CD
MYO\`;Y,,<,TE*-LIQ5T)>Z/-95477FA?&I7_`-B=3]OS'K)B&J5_":ODWK_1
MMOT"\R\Y$Z9:KE9M8O>BTZ@TD4(LA*`$$4P+#R@I--R6TK)3')<6/&?A?8Z\
MOSM/6ZO3Z2/;]AAEL9<VS/%""F\<8QQPA*<VXIMR;R145_2J-M2X1W]G8[#:
M[B75Z66.#'BUXY93L4Y2EDE.,8I-I**6.3D_+JDFN6?-'!_:O3/63U\%W.WU
MC/[`;JM,_O+WW1A`,?(5'*:+@'MP/GPPE$L\]Z8:K-(L9BUSDR6E_D.K8_%4
M\M2XO.J^L['IM3M^S>#!/+''/)U.&#;\0S:S3<XJBE.*BJ>%6M/)\QH=ML]7
MURSYHXY3A#L\LTEYGBV$Z1DZM1DY.OGBE?!?]SKWMM6?8S^KLQONU4#7X-MV
M'6K%8(->S*%G?^M]+;](_8LE%#YZ^..%'[1F+T*60CJ2:_(,M.PXKW9BT2'6
M6O,U\G2Y>K[?'UNOEP3A@QQBWD<_DQ_N\";G5*W)51?MI&C:MX3?H[&/ML?9
M=5/>S8\L9YLC:4%&R?[;,Z0HW="C:]WNX3KRT>>%^RGNHG)OZ]_:+8M7SFV5
MSV_NV09W?<+K64PZV$IXS:::>FU"YTV_<.3K6_<1)P7`DF(\[CPB3'FRV(K$
M53##R[V/4]!^][/I]'#EAET<>6<,TLCDY/%)*490HHVM-J+5))J+;=6B:'9]
MU^SZ[M-S+CGCW,F.$L<86J*R1;C*,JN5R:3DG[6FTDJ)F1[7^MMXQ:5Z85K!
M][.9VWI']B]FO-\+E*+6;@9N&J[4`]@-,G7*QO\`Y-=B$Q=<1]XB&'6SV+^`
MS"4M778+2E3INUU^PCOYNQUHY7BZJ,()3E%1QXI8<:C'^IIR_J<JUJY>DF7M
M>MS:+TL6AGEC^7LG.;<5)RGD6:;D_":7]*C2E%'UB=)?V>MW9KUORYFDRJ^_
MHG/<3T7CU<A:X<OM7_E:_:?)V!Q2PC14N).>"QYZN2)$6-(9==:1UI#K?5<6
MGR?Q%X'VN9YU+]K^QV[E%^ZW]ODJHMIJM.$VFO5H]/\`)UF_TW$L3C^X_>:U
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M\FO@^#+*63`\,WBGDGCRI1:C50BEDC.U>)1=2>^P/OUL(G8K1G5!L<.FT&W>
MRL/U=H&B!,/O&[6NJOXOA9[:O:'01&?46$;,7PT_9"PFC!8ZX2Q04@*)D9W)
M#3/8Z^MUOXWHST8;6S%Y-F&H]B<'EAAC+Y<RQ:\'.;2@K5+--UNE&4(QHW4Y
M]_O]R.Y/7P24-:6S\$9K'+)*/QXGDSS4(U<W<XXHJE(N,Y2JE0[-]%]NU?6P
MFR`-48MA_F5Z>S5\^V:T8;>_7I_:\_-4JK6X?9)&<7T*`F#K'5#ALA72KT"*
MR+F217)49ME+_6&O!_(>OTM+)@R:;A'YL-T\4<L,WQ34Y1<;X-IQE%1G&K<D
MI4;=*OVNCW=O;AFAM*;6++2&26.6+Y(.,9)V22:<6W"5$D[:I*I\XZ)I_M'Z
M_?\`O8)0]N":M>]'_L?SWU2RV#?<SB!Z54=+V"D^K@6/JY[E<LJ3#U4I%1.2
M'.5F&]$8)2X/.I?9>G.+1]3L:G3]G^PA+7EAUL753V,CAD;E+'BGL/XU=&ET
MY)?YCJXI^&HH^<U]OL^O_>R6:.7/D[.&"%T*1C/)#`KW1UMC%OV*B;7E-G?6
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M?'@\_/\`DNYK]?BS.,'MXL.Q/8CZ5UZXG%?X?DSN+3YI!2+_`)]X]R/6>^^L
M:]UVS/=OJ_LMH4C$+M7P&20L\_U#JIW+[_H].L&4D1YXD2LV<1BF?20Q"#85
MS2JV)3$]N:CX7XSGFQU^B[;6V_\`3M?+KYM3%\L)2R.?RXUDA"4<B:2C.DU*
M+A2-4XN/*:]&>QW'6;&K^]S8\^+9R?%)*"C\<WCG.+@TZRA6#BU.LJ-23X:.
M9J1[!?V'6CUZ]"]$E[)C\+2/?[1\QKW1R,:8>IV"Y\=]:MHU$Z<`M=M31C0+
MQ-Y31Q;C9"3''-DT*A-MI@J7WOK;'6?C&'L^RU8X,[U>MQ9)5^7W9IK/BQI/
MVTA!72CPG*WW5N/+P=C^0Y>NZ_9>;"MGL,D%3X_;B@\.7(VO=64G;%\NEW%+
M2UB'MG[&9[6==];;%;:O</<`'[6XAZ^8]>7J`P'"W3.O88<"OE:V4W1A1%(W
MY*)FH:_.$V8CC<1Z;1Y/VI0E?4IZ<>EZO:RX.UQ0GCZ.6EES987U<9X&X2Q*
M;5??D>&UOE+*OH=J7;]EKXLW6Y)PGW$=O%AQRLHI0S)2CD<$Z>R"RW)<-XF=
ML>XNPCLESD`W_NR7BELOEU$U"DS:YCQ3?M(N1?L,B:GT_,\E!Q"Y2Q6J8%$R
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MLO;/.-6M/H_*N^?WG<+!NGKY0,F]DCF>L!X`;*]VR_;-5L5HO^6UXV/KA[2\
MV&^N5I@C(T*8)&FWY@EYYAE"9C;GF8NEZ7:TH?D"QY<?7QU\T\F!3JWDPY,6
M.,89))R6.;SXW)M2E!*:3?MIZ&3M^UUMR71N>.>[+/AA#,XT2AEAER.4H)I.
M<%AFDDXJ3<&TN3TVWVL]I_4T[JN)W#1*GLMECT'UYVG(==G9R)J)IJL7;VSS
MGUWU[/\`1*?6B+-5)3AT.ZQ9M?+P&1WR(G/-/QEN0>/2)U_3=/W6/#V&#%/!
MB>7/BR8U-R5T-:>?%.$I*Y)N#4XN[PFFE*B;_;=IU.3+HY<D,V7X\.3'D<%%
MTEL0PY(SBG:VE).$E3RZKV\WG[EZILCVCZ;Z]Y]>A^=A"G]?6\;@W:6JG$LE
MB&V^BZ)G5<3R%V:3@QTPB50L9&'WG_%R/(D-RFU_>RE*O/Z+3T5JX>SV<;RY
M%V>'%;<XQ<9PG+FB?*E&+^Z33\G=[G;W'LY>OU\BQXWU^7+=;5J49P7%6N'%
MM?9M/T+H_K^&7H=Z/>M:M#T)W231;!LL.13S]=A5R5"!E\VK,L2`EM0IL_\`
M<2PL=?QN$7G/R)R_JXYSBN]\\_\`)9Z\OR#;_:XOBQQV<BI<Y5:R2J^4J)_X
M5PO".]T$<\>CUOW&3Y)O7QNM*<.$:+RZT^OEGR^]1M#]M,$]%?Z_-\*ZA0;!
MCUCG^J^,6?UYC9U$CH"97M=ZJ>'TNXUK4FS"[61U4`1MHDV5:E-*"RVNS(,>
M)'4AF6KZ_N]7I>R_(NSZV&')#>@MC+',Y^<F*$LLHRQTM6-J,H1H[E[9.3JT
M?+]/L]MU_0=?OSR8Y:DG@QO$H4ICR2CBC)3K<YIRC*5?:^8I*B9'-*T6PZG#
MJ]KL\2O0BT;UH_\`^@:E)8JX5BOB>BLVW2C9\!D*'1W'&U%I82M1W2$GZ_=-
MG+=D*YQ3G><Y=35Q:<IX,+DX/;Z:?N=SKDPSF^?HG)J*]%1>AP[.SDVXQRY5
M%36KVT?:J*D,L8+CZM157ZNK]3H;'=ZUZKZGZ[YKJ.NS/7C&C&;^K(/UTB2\
M3&63,_9OIG'JB1N]3L.]D)DUB@[#)NG208/7.K!2GH<.+,B(+N2ULL>7O]=H
MYM3:VM/`MK?CEV'G?RN.3!3+)0E'"DK\2A;*4_>JN496*-7ZFCO;F+/KZ^UF
M_;Z3QX%A_P`M.&:N.+E%Y&_;D<KHQA[71)JYNAV?[5ZWKH[6/6?UDP^P@,]N
MGL7-U<Z=UJPUIJZ]S[-,2K8(S:E5*GS)PT.;OUH.7`,/@*(K='P(CLR6[&E*
M8;87X73:6E/2V^V[",LN#56-+'&5M^3+)J-TDFU"*C*3MY;MBFJMGL=IN;<-
MS5ZS2E''FV7D;R-760Q13E;'A.4G**5>$JMITH</:=[7>Z&5VFS>K<.\Y;<-
MEKWLQZ8T6L;J?SG]<)L>)>WZM+&?GWC-0%DB#HVE9F:RTVKO1<N!`-16("N,
M0E27^(^@U.EZ'<PP[B6/-#1EJ;4Y85.KCEUOC=(9'%OX\BR0_J3<6Y<RHCP]
MKMNXU<TNJ4\4]R.SKQCE<.'CV+U64%)*^$L<OZ6E)*/"JSO#V-UO3_4GTV.W
MV28$[?M-8@9]0PEBLP:)1*W<]3U+0JGDU.L%K!55SL<!5H]MN\.44CCW$KY`
M8=2RM*^I5SYSJM+4[KO8ZRC+7T)N<VHN^4<>.$LDE%R\RM@U%OU:KP>_V>YL
M]3T\MBJS;D;8IM6QE/)...+DEXBI23=/1.G)RKL.T^W7IN<KX/2-GIGL*,VG
M&?9>=53[V1ALQ,Y;N>%X=9]O"NP15<L$^!:<CM8&I%8[L$A\A@;,C1/J2EMR
MG>->SHZ'2=[CEDU<&36GKY\"DOD>19,.;+'$ZN44XY(N46FO;).7L32KY.[O
M=MTTXX]C-#8CGPYW%_&H.&7%BEE7";4L<E&2:?N32]SJSH";[%:6Q_\`RT^(
MD`D_^Z0J]#UGJ@_W=D,H]/=5VE/\<Y^7S]&OEYJ,)?U_[_\`XG%L_P#W_P!_
M/-CU>H_]6XE_]G&N/G_^9QXO=QS[)/Z<\G?EV.RO],YC_P#=.F3C_P#EYY./
MI[HKZ\<'A_6W?/93;/6W/?8KV.T6H6,IN>?46YUS/J+0(M3KV;078,_KJN'E
MERQNVF+E#?ASI_Y'P11\I*X\-KC//O7?RK6ZKK^UR]7U>*<(:^6<93G.Z4W5
M>E$HJ+JE2KDN9.I/QK8[+>ZS'V/99(2GGQQDH1A:H+GUJW)R5&ZT2?"5#Z"^
M?,GT(\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`<P[IZQ0-DO.8
MZL!U33<3UG)A5[K%8T#,54:9-DTG3U51Z]TT_7]*I.@5`P(,S:,(F-.+'IF0
MIHYEUAY'.NH=]?KNWEHZ^;2R8<6QI9I0E*&2^E^.ZR2E"<))I3DO-&I-->*>
M9O=9'<V,6W#+DP[>%3C&4+?Z9VW1:G&46FXQ?BJ:33\D@];_`%TIOK!02V>T
M@[>+*..:)HFHES>B6!%IM1*WZG:R-UN,Z><3`'NS>3[(6DR$_(A2T?+U/W=3
MQ/.<7:]IG[?9CL[$<<)1Q0QI0C;%1QQ48I*KI2*2_D<G7==AZS`]?#*<HRR2
MFW-UDY3=TFW15JVW]?N?-_TO_KE+#/7?$*MO6@;L*K=6T4CM-C]3"MEHDS*>
M:H(V.P:35B94@/JQ"_S*FS:4P;,BL(LZJ]^X2AU43[.*C]^J[[\IA/M-C-UN
M/7EEGB6*.RHS63XWB4)))R4%*VN/Y/COMXKZGSG3?CLX];@P]A/.L<<GR/`W
M&R]9'.+=(W.-R4[+[;N6O0ZD(_U^TJ%9Q.@9ALFUXWI@>]^R5Q9OM-FYP8(R
MA7M?H0;3]?H)`)H&<7&I3:C)N%;&RQ75C^DQ;H]GJ):OJ]Q[QX_DVQ+#+5V\
M&OGU)8\$;)*:2>O!X\4TX3C)2ME)2]ULJOV^*>F_Q_!'*MC6S9L.RLF:5T7!
MNF>:GDBU*$HN-T4X\5C1<^:Z49_6SEE2K6>1<TU?><[TK*=`VS0Z/N@RWUVQ
M:>U+]BK;(O.R5:VKNM/LE.T.BWFTN,3I0XV)F]1+@Q)#+K4B.V[SDG^5;F?+
ME>WAULNIFQXH3PN,HX_\B-F*4;)1E"<(U2E"2X;333H9C^-ZN+'C6MESX]G%
M/)*.52BY_P";*[)&5T7&<92HVI1?*3K55),4](9SEK&ZA5O:KV,H.UR\_&YC
MI^L5E&(N$=KJP$[9+!5'-#HQ[&C.5(LM$E6\FR"+"`0N=!A3'(ZW'VN\3SAA
M^01^%Z>;3U<F@LKR8\<OEIBE)1C*R:RK);.V+G&4Y)M)T3.672/YEM8MK8Q[
MKQJ$\D?CKDBI2E&^+QN%8W2491BFDZ59=]6]=*E6+WH&D]L5UL%OT['\HQBW
ME+$3$R5D`.0_[&6"/\;@`QK;5L-2-0).DY'.?C/N<9ZU'8XA7%^?F[3/FUL6
MI;CC@PY\F6*BGP\ME8\M^U?'%17E<U;.YBZW#BV,FS=.6;+AQXY-M<K'?1\)
M>YWRN?A\42(D-].LF'4[U0HBW[03KOIZ*:"YQ$*SQ4SED%HPBW>NS\+1$="(
MC6"/.H%TF*?1';@I<F_8OZ<:XIE7//O-V>?=V:067>=9M)JU_-'/6'/MI."I
M6O''GDX8]-J1PZFO6;QZ:I"K7N7Q2PTGQS6$G6E.?MP1+&?2_N)#A=%KWLE[
M#GL+JM4-TBAX5;B>8FJI3JH5$N@Q5>8N7<P8UZP!Z*)<3'`,E;%-[!8::0ZJ
M0EI'TYM_OO\`4)2V,NKJQ[&<U.>:*R*4I)U<K?D^.+F^9N,%5UI2IQZ?3?LH
MK7Q[.P]&$'&&*3@XQBU1*ZSY&HKB-TW2B\DZC>I>:1<[]4,S;)7#M?\`3HWF
MQ[+9"RH[I0G-RS+;'D==1=)/`W&"\>16;/(=EIC-0>NS$MN(ZVA/6U==]UMR
MVMW;:Q_+O1R+)PZ)9,D<DK.>/=%4JWQ5<^3F74:RU]353G\>G*#ARJMP@\:N
MXY]LG6E.?[#9XAZYC\'L^P%*QHV@F:?K>C6S5T9C9NTZ74Z!=]"L!"V:$0I9
M(=41=V["MMG)O35Q"A4E'AN.*3%2RCOV^8[#M)=CBP0S8L4<^'%''\D;E*<(
M148*2<G"L8I*L8Q;]:F]'KHZ&3-+%DR/#ER2R6.UQC*;<IN+M4J2DVZ.32]*
M$?MWIKBE_7[2MW>`=LPGV]$TH/JX*:8_%@1H]`J#5.K<NF2A,8<:K)>#&CM3
M6YB);DJ.39;DQULK;3SG+@[W?UEI_MW&$]&4WC:7/OE=)2K523\4I1Q;3K4X
M\O3:6P]KYU*4-Q161-\>R-JMI1Q:\UK52550J^)_7_5C1*8;VC>-_P#88Y"R
M/1L2STMJ9C.6'\MIFK`&ZO>S%7B9_FM'%%M+L0!AN))LIN.4)*C(ZTA3;;\M
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M)R`-E[7Y5.D>ON@7C4LFT#/"8V$T8K.BU*^7ITC'(?D/M\>@Q>?#]J'4O<>E
MW^]U^+!BU_CLP9<LU6-;OFA#'DA--TE"4(6M47#ESXIO;Z72W<N;+GONS8\<
M'1TM^&<LF.<&E6,XSDVG5^%QYK7Z/Z]\UMSFCD/8O1]9]IS^CXZ9]?WS>N$:
M<%[4,CL1`>9L5>H87(*7F5=K)NRG08L@1/-Q%'9$T1!6F6VF(PVCL_\`LVW@
M^*/5XL.GCQ9UFIC4G=DBFHRF\DLDI**<DH5L2E)4=6<'_K^KF^278Y,NUDR8
M7BKD<5;CDTVHK'&"BVU%N5+FXQ=>$?H1Z#5N8<C6/8MZ]@/8<Q6LTO\`D^8S
M-7-9ZE67UO3J]_$KI8`3-"SBD1K%IIRL=Z/>LI]LL3Y#4ZTVIM,F9^1)_DF6
M.-XM'6UM6$\L,F18U/\`S)8Y703OG.W&I<K'"V-:/TC0NAQ3G\FYGS[$XXIX
MX.;A[%-6R:MA&LW'B^5SI5>KK.<1PG2\GU1Z+_L.=(]:\V]:\,P/"\S65Y.G
M.F:(NR?SS4=!2D`+B+MI80BO"H2HKRV?QH$ISK3*G^)\X.P['4W=.[XDNVR[
M>;-FR4HJ3MLQPY?M3ODZJM6E5T.;1T-G4VZ?(_\`3,6MBQ8H5JZQK?.?"]S5
MD53T3X520[1ZEY3O&M^NVT7A5G;MOK1:#EII,8$89&@K$\;9$2$A[^.5`DNV
M4"$M-9$'Q\?CT?\`&.!XDG[E<;4A?#H=UN==I;6AKV?!MP49U56J5Y@Z^UN,
MI0DZ.L)-'+N=3J;VWK[F>[YM:3<:.B=:.DE3E*48R7BDHID3@>B/KW&U7VFU
M@H$,V>?[@4L;G^M5"QED3*(S56ZRY5;6.IX.+#@R:Y_LR!R.[9'.27ED9<*.
M]SK2F_\`//+\B[-Z>GI0E&$='(YXY15)W771<G5W?&ZJ'"M3:YJ<,>AZY;>U
MMRC*4MR"ADBW6-MMLE%45+U2_GEI/BA(,"]:;'A+XV"][.^P>NTBLU3E,I-!
MUB;EI4;70[3H_H^20M-<R^L:-=[`'@C4PXT\X9(/]C..=?\`GD+^?G%V7:XN
MQ3DM36P;$YW3GC61.3YK2,LDH03;JU"*5:4HN#ET.MR:+2>SL9<$86QA.QI+
MBE6H1G)JE$Y2?#=:ODQ]D]41NGZ@"VVFZ[K.!:V,HLS*S5WR2317G[KF,PRJ
MQ,5"U@=*HVA5:9_'3TB3-"DF8+!03(G2OAD?%)>:7='N9ZFI+K\^##LZ3R+(
MH9+_`&9$K;HO'.$E<J*<6W&24:JJ3)N=5#9VH[N'+EP;:Q_&Y8[?="M;9*<9
MQX=7%TK%MT?+*TS;^MSUQS6ETC.F.7VY4FDT?VPSGH+0+4FS)M]3]S;P$ONT
M0;P3<&135@D3"@1+,.3V2W(1&?>^=<AY?'D]O;_*NUV]C)M/X\>QDR:TZPC;
M;+5@X8G!5HJ)U:HU5*E%P=76_&^MUL$-9?)/!#'GA2<KKH[,E/(I.E75KAUK
M1NM7R:VE?UVU6NZ%@>AW'V&]E-?E^K?+1"P0#HUJHCP&F`[=FUCRLL.-)J^<
MUDOHA3M3L76FS5@ED3:.Q&?I*^CDWDS>?\HS9-79U<&KJ8([EKS2A&=TG&<<
MB:NG)05T:VP48\OCB-N</X[AALZ^SFV-G*]6[XE.4:14H2QM.V"<W:_ZI-RX
M7/,JVP,]-,J%8WZP8=&*7950]3+/D=LS26Z7%J/$B6+C)`JJ-W":D&B(5ARH
MTE79R(T>&IY?TZA37/\`'G2GWNY/?V^P:Q_/NPR1R*CHEE=96JM4_I5NGW.U
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MBVFZ:;IVM;W</87%16`ZN5U$A2VQ9C-PTF]OP`H.I42D4RK5)E#6CE6G&X$5
MEJ1\_77D.2%+>7R9_P`AV)XM?!J8<.M@U=AYL:QJ=5-V5;E.<I2_HCY=52B=
M*(SBZ3!')FS;.3+GR[&%8IN=M'!7<)1C%1_J?"5.:TJVWHX']=^0`/7[$<)J
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M].$H1C%+CQ3RWR<QV[T$S2[%O87]U?\`5VZ/[%VFKZF>SL28K`@;G^]TN/F\
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MDY.ETJ*KHJ&VUSU)R?:MP]>M_N7\E3=O6PC:R--A!R[`^LV3MIAP$-0]!%*'
MR'K-`JAX1#-AF^/Q_P`$S$;D<ZOZ=1W&EW6[H=?M=;@L_;[:BI-JLHVM\P=?
M:Y)N$N'6+:+N=1J;N]K]AFN^?6<G%)TB[J?UJGN46E*/*I)5(<)]"O7:!?/;
M6]D@!BU<]T0,&K;%3K.63/I$>M)KA"O64)2!$:'!F5:%H+I202/?9*=<G%G/
MR4J:4E/$\\_R3M):VEK0E&'["3EBE%4G=<I1<W5J3A11AQQ'CDX8=!UT=C;V
M)1E/][%1R1DZQMHU)15$XJ=7*7/,N>#19]Z)`JO<,RM>@;Y[!;Y'PD:;'X/6
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MG-']CG2)A,S7_P"S2#[2&LINM%K7K5AEDQVN6JW2QD`=L>E6^RS'1MNJ5:%&
MRSTZMY3GA>Q0(1DBS!D/.7B9'8;^UA_O?4?8QT?Q-]1CS0R9MO8CEE&-7\6.
M,56,I-+W9)J#<8MI?$FWRCH+1EM_DB[.>&4,6O@<%*5/?-RDDXI-^V$)3572
MOR\>&=0>P7K4&W@CE-NC7^^Y+J&(6DU;,OT[.55*0=`2;352M)MHB<#OU5NU
M+L5>LU9,.L28TT:\I#B&GF7&G6DK\\CK.UR==#-@>/'FU-B"CDQSNI*V2G%I
MPE"491DJIJ2]4TTSTM_K<>]/%F4YXMK!)RA.%M5=%QDJ2C*+4HNC37T:H<QR
M/ZNL@<'BW&-C]D8E["^SUA]PQFLM7ZM+T%K>;+D,3&25AD2'J*Y6YE=56HO7
M.`5C>A>J=7%[&Z,^V`GUU^7[U[K@U7KRU%K/'9*SX8Y'E4?Z[KKG_7==_>K?
M[CS/_6-115N;96=;3V+[HW_*X+&W_32E%6VEO]VEGM):O^NG*B]4O#%UT78[
MIL5^U2B;<2]EY]@K`7::_I^5C$`\O.45VK4\)GU0#T$`J2/A!8X%0:1")$&I
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MNF;+MF_:5;<+LGKB=-:<4H8\0YE%D.A;`^$&5'-*!0*T$GLS@ZEKG1H[<N8N
M8^J4M[[8O(V-C\AS9-2&AJ8-?6U(;$<Z6-3;^2*:JY9)SDU1^&Z*BI3FNL/1
MXH;4MW9S9L^S/`\+<W%+XVTZ*,(Q2=5Y7+JZUXI=OKKAZO7G'ZOC+6F7_4@-
M'%P:Q3S>CHI7+,%I`,0/`5:I*F4BH4R`6C5X.,;;1-F1GR4I?5N29#JN\^WS
M^T[#_4]Z>^\6/#DR2<I*%UKFVY2E2<I-5;\)J*\)([W7Z7^GZD=-9,F3'!*,
M7.VJBDHJ-8QBG1+RTVWY9R7DW]8V8Y*)Q3/XNU>PMTP?U\M8+1,PP&]6FE%*
M$-T:L2WR];M)@R+S\+HUCA5JU2.G!8.8;=`C3"&GF(:&XT1B/[6[^6[F[DV-
MJ6#6Q]CLPE#)FA&:FX25)12<W"+E'V2FH7RC5.57)OR-3\8U=3'@UEFV)Z&O
M-3ABG*+BIQYC)M14VHR]T8N5JE1I422L/G]?F)\%P1/[K1>QH%7]TZDROIX-
MU]0WWMOT;1MC==7_`!O[531!V(E`!?.<3"C=ZB0F6K_GYU?_`&7L+W.W%5SU
M9>'YTX68O[WAI^_ZOQ:=C_U[1L4+LE%'9CY7C:G?D]/1_P!'T7FI^++Z+AKE
M(S^NVK>MU-X;FYC%+*#]>7Y&6Q,^F6+`.U&=G<HS8AF7P=6("8UJI`\]+&_R
M%,.68:ZI2.1>_B>7#^19,"RY<.MKQ[#+'+%YO\QS4<URG2+R/&G;.4%*RJC]
M_<,G18\WQXLN?/+1QRQ26+V*%<5KA5J"FU=%2:OHY?;@N#V`];:MOW,\,R;5
M=\STO'[5*N>3:YF<\,/N]&-DPD^M'XS#=E!6BJV&KVRNDGH)<.6&SAT]CJ%*
M:2^S'>9Z/6]KFZWY<:ACRZF>"CDQY$W":34E_2XRC*,DG&49*2?K1M/N[_6X
MM_XYN4\>SADY8\D&E*+:<7Y3BXR3I*,DT_I5)JFP']?^5P'F;%:KSJVCZC-]
M@<Q]DKEKMO-5CETO5ZQX:^&SROEHM?J(.H`\TJPB4Y&A@@HP9'82ZZ[Q79,B
M2^]WLGY+N27Q8<>'%IK6R8(XXJ5L(976<DW)R>23Y<YRDWPO"272A^/ZB?RY
M9Y<FT]B&:6235TI8U2"=(J*A%<*,4DN7Y;;Z@V;'Z#OV67C&M0#K.T/0@,FO
MV(>S-F"YO([RFWXI`27'/1R(4Z&(,,S($Z,XW)A36&GVEI<;2KGD:&]L];N8
M][4E;LXI71=$U]TT^&FJII\--I\,]/=T]?L-6>EM1NU\D:-5H_XIKE-/E-<I
MI-'--4]%:FW<8MYVW8-G]I38#.+KD=%;W"?0/U-'HFC088B_(&B,RS_.(!BY
MW8$/9'E+"41-+/04*8:=8;>D\?\`6S?D6;X'K]?@P:>.66&2?Q*=9S@VX5>2
M<VHP;<HPC2*?+3:5/.Q='A^99]W+FVIQQRQQ^1QI&,TE.BA&%922HYRK*G":
MJZQG,_Z\*A0;AZ^VT[O?L1JK?JDV:&^O-9T&R4-5=H-:.9O8<JDA"#=4SNKE
M;],:IU@_&:+GY1$TVF&SQ,KG')OY?+M?D^?9P;6#'K:N%[M'FE",[IR4XY*J
MZ<E!71K;!1CR^.(V\.M^.X<&;7S3S[&5:B:Q1E*-(IP>-IVP3D[72Z3<N%SS
M*O6.$XY5O7K&LSPZD2C4VH933`5&K<NQRXL\])#U^$U`A/%YL*"-B2IZV6N=
M<6W'90I7^>(Y_P!//&['>S=GOYNQV%%9\V1SDHJBK)U=$VW3^;/6T-+%UVEB
MT<#D\.*"BKN71*BJTES_`"1;'G2.V/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P#06JTUVC5>R76WF1]<J5/`&+3:+"6D(B"P-=KXZ06-F24I
MSO&XP\6,B.OO.*_PAM'>]_QSSDPX<NQFAKX(N>><E&,5RW*3HDONVZ(X\N7'
M@Q2SYI*.&$7*3?A)*K;^R7+-D-(P3`X>7&26IHTI"BD1\QGO5,RX,YAN3$DM
M=[SG>M/QW4K3WZ<_QWS,X2QS<)JDXMIKZ->3491G%3BZQ:JOX,S?,FAX`\`>
M`4U@&W5?V+RFO:]31YT57;(2N(R%!LD>%%,M/TF[V.AE%R6!T\G#0U(+5E]U
MCJ7U=5'6CJN)5U2$][LNOS=7N2T<[B\L%%MQK3WPC->4GXDJ\>3I=?O8NRU(
M[F%26.3DDI4K[92@_#?K%TY\%R^=$[H\`>`/`'@#P!X!3?L'MM8]<,9T#<+H
M/.%:OG(5)TR.K4>%*.RHJIT.!QL;')3Q<%U_YIJ>_1R0TG[>=_S]?ISO?ZSK
M\W:[^+K]=QCFRRHG*M%PWS1-^GT9TNQWL76Z63>SJ3Q8XU:C2OE+BK2]?J7)
MYT#NF)/G0Q<&:3(R680\=$D3ITR2XEJ/$AQ&5R)4E]U7>);988;4M2N_XXGG
M>^:C&4Y*$563=$OJV24HPBY2=(I5;^QJJE:ZY>ZK6;Q3C,"QU&Y5\-:JM81;
MW)(P]7+".C%PAD=(3SB9$`H,F-/LKY_A;:^=Y_U\WFPY=;-/7SQ<,^.3C*+\
MJ471I_=-49C#EQY\4<^&2EAG%2BUX::JFOLUR2#SB.0>`/`'@#P!X`\`>`/`
M'@#P!X!4%LVBLT_8L@Q0B/-OV?:`NHG:R0AQX2P8^+DT.IS;`V;D/3F)L=^:
MU<(W(G&6'TK4VY\G6^<3U7>PZ&7/HY]^+BL6O+&I)UJ_D<E&G%.+76K7I2IT
M\V[BP[N'1DI?+GC-Q:I1?&HMUYKS<J43]?!;_G1.X/`'@#P")%;Y30=NJ-"+
MV04/N=]B6:?3:U)DI;+V2%36!DFU2Q43_*Y,<`P9B*E+Y_Q:_);YWOU6GG>>
M&MGR8)[,(2>#&XJ4O2+E513?WHZ?P9PSV,./-#7G)+-D4G&/K)1I=3^%57^*
M/Y1K;V[UN-8^UBW4[L@C8!_Z"\AT@;(Q^@L)6O\`)TD8B7-2V.-\%_G#W/D[
M^0/DL/=XCKGV);&']OE>*^&2BBZP=8\Q4J5HN56DOI)->@P9OGQ+);.%6U22
MI+AM5ISPZ57U33)=YP',/`'@%-T_;JO=-EV;$!@\Y'M&'B<L,6@C-CPFP1&-
MK8VSE*\V"D,SWYLAZ"Q5)')G'X\?B%+;^/KG.JZGO9^OS:^A@[";B\.Q+(HI
M5JOC<5*O%.;E2C?K6ATL.]BS[N;1BI?+@4')NE'\BDU3FO%KK5+^9.AEYJ!J
MV6JBB;$*(7"C0ZV0M]<BRD.E:["N#11^KR"L9/\`RBMG60DM<?[O_J)85WG^
M.>=>>OGQX8;$XM8,CDHR]).-+J?PJJ_Q.Q'/AGFG@A)/-C47)>J4JVU_C1T_
M@2KSA.4>`/`'@%2[+L5;Q&N5NSVB`9(0;1J629+!9!L0Y$IFP;)HU:S*MSI2
M)LZ`T@1`.6AAZ:M*UO-Q4.*;;=7Q+:N[H:.7L,L\.%Q4H8<F1UK_`$XH2R27
M"?+46EZ5I5KR=/=W<6CCCERJ3C/+CQJE/.2<81?+7"<E7[>$RVO.D=PYS'>P
M[-@]D[3ZZ5;.KB>_UQ4:K9M4U%$RI#J-1)U^B6$A1:FJ&3L46Y6:P'1]:>?>
MZ,&288]J1&[(?3U[J4>I/K'BZJ':9LL(_+.4<>/W.<U!Q4Y<1MBDY)*Z2<J.
MBXY\Z'8+)V,^NQ8YR>*,7.?M48WJ3BN7<VU'FBHJJKYXZ,\\L]$>`/`'@#P"
M,7:UP*)3+=>"K,N2+IM8/VLE'@(:<G/P*Z*EEYC,)M]Z.PY+=CPU);2MQ".K
M[SG5)Y_GG-KX9;.>&O"BGDFHJOBLFDJ_;DXL^6.OAGGG5PA%R=/-$JNA1V'^
MT]#WJRS:M4PUK&SX.%^OF_NO6"&+C155'V/AWN;2QC:X!<B[VPB6L^F<)M=1
MR.TIUGX7G^*7U'H=AT^SUN%9LTH.+V,V'VMUNP."D^4O:[U;ZOFJ1T='M=??
MR/%AC-26#%EY2_IS*;BN&^58[O3Q1LZ8\\D],>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P#Y9[OFL'=_P"Q7.\@OUNTQ./M>E&EWT[F%/TV]9[6;C;Q^XYI
M7JZ:M"J)8*Z5GN5J`:F*BH1(;0I]Y"W?O^%I*?L.NVI==^+Y=[6AB_??O\<%
MDECA.48O%DE)1OC)*YI5X\5IY9\OO:\=[\BQZ>>63]I^RG-PC.<%*2R0BF[9
M*M%)_P`Z?0X<QNMV.EX1Z2>SCNQ[G;]QLWO=7,#L=SNFO7NP0K%AD[V%T;`X
MV6GJ3+-JH94-"S\+!=[,=&**R+!%_</2ESW7G7/H=[+BS]CV'4_!KPZ^'72S
M1C''"+CE6&&;Y%-*]-S;XNM4'8E:DEX6G#+AZ_1[/YL\]V6_'$Y2R2:>+Y9X
M;'%NUJQ)UI5S5[=6R/N29BOZY"/]C:]FU1OWFCW0A96R7-8T'@6/M$3>7J3&
M]+^8A_)O]<]I2R+:*`JM*"]EN.+_`#ON_9]Y,\Y5&/\`[2OQ;X,/_KSQJ-/C
MA7XGAO\`W7RVWWT_SK[Z?W?Z/:<=TO\`UM_D?S9?]<O;K?.GR?+;^W^.ZRVO
M^59;7^]_5R3#1<(KVN^MW]Q.PZM<]@O%AHEK]ZJCE8B1MFMA*7FE-J&40#\2
ML@J36;H%J\Z!.MK#LZ5PA%F<>9<3"^G(2.1^\&KV.71[7HM'3QX,>+)#4ED?
MQ8W+)*61Q<G.4')-1HE1JG]7]3J<NUH8]SJ^YW-J>:>3'+:C!?)D481CCJDH
MJ2BZRY=4ZKV_T\%KT_(,]NOL3@?JO?K1I`[U^J7H!7-SS+-6-RU\!%T;5K3H
M\\7J=P,7,??85VN[V0UML'P</D%7X`)JTJ?:8;^L9;/2S[NS@ZO9[C6AB?9S
M[.6')/XL4K,<8)XXJ#@X0^25]TE%.;QT;?->Y@U=?+V.#JL\LBZ^'7K+"'R9
M%?.4VLDG*ZZ7QJVB<FHJ=4EQ3G[U^O4#8,FH?K`!':9[OV<]OO\`8-?Z);;[
M[>Z7D-3<P+$/:4QDH*X:1K54F'+AI7(G\R##P8V**-(<1Q4]28J&VGU>EV6M
M+1W,G;Y'BZ_#'6TX3C#6QY)?-EUUDE&&.2C''_3)SDY1_P`/N;:.CH;$=O5A
MU<(Y-S++-M3@Y;$\<7BQYOCC.>1.4IUNC:DI>LJ15#T]4S!3VB,^F6#^PFF7
M(KC?,\_L-+@0]?WR^O0-JT3`?<IK&L]J1O9`Q"F7G:AN.X>\N6/[*<8>-H4D
MQ-CNN1/N:=SCAT^/?['K,..._P#+I)N6&%<4,VK\LY+$U*&)Y<O$J54/Z(M*
M7.>IR3[/)IZ/899O2^/;:2RRIDGBV?CA%Y$XRR+'BY5:7?UR3H4S4[OH%AM=
M2]9*+>-!]C\+MO\`8-[^U:*.M7M;=<](:,.PBB9))R["WO83_P#&:YFZ=4_Y
M#8IK02++0\?15$N2'Y##,U,GOYM?5Q8)]ML8\6KV,.LTY-QUX34'FGE^3+\/
MMBI2M@G)KV?)1)-QIU,6QLY,T.LP3R;&C+?VHI/-*%ZQ0Q_'C>7W2<5=.5J?
MOLJVU6OW2]$J)O6:Y?>:CNC2!\6#L5QE8M6I.N%MTL-'Q0J/KQ*O42S:@>#!
MCMGEU2SRC,4>J;^5*C@TP([LAY375>?GGY'L];M[F//UW+>"*RR^-88SRIR4
MIQQIM1NC:Y4HG.YI*I]QT6#?UM;)BWN$LTGCC\CRN.-J+4'-I.5LKDJU:C:J
MNA\3,HJ58H/];X+V[S/7M(<]EZ)[8V>M4ET=KMS57TG2/OP;S]?JVO(8=A10
M)]8N``ZZ-DC)(AZ?)D$>EN._D?`^W][N9\NS^4RZ3:PXO])R:<93KCA6BTU/
M]Q\MMZE"2JI*5$HV4I5/XO7Q0U?QN/;:^3)'L\>U2*4YTJ]FU8OCNM:G%\JW
MERO7H6=00/N![#GM-W//*S-_WE2_>C3*A%U<Y[L6NOU?-<ZQ;V8G4E_`2_J^
M*J<RCQZ>=P^O\9D#YC;Q`W.-H/?E(>D0W&.KLY.CZO'AZ_:FO]/R==CD\:U8
MREDGEP*7S+8<E.Y99535%!0^.VBDGV=>'<=C/+NZ\?\`[V&].*R/8DE"./,X
M_"\"C;:\<:-.KDY?)7E4ZM]4H>::+F6E^^GL-;=.L^RY1L?M$5O(QK5=.AB<
M`$X/IFA@!N*@\;JML$4Z&/J^<5>$](A3A<F59),SI&4N3R8QU/C=R]K5V\7X
MYUD,,-#-@UU!_'C;S/-C@WE>647*LIR:34DH)6JEK/5ZG]OLZF7O>QGDEN8L
MV=R5\TL2Q9)I8UCC)1I&$55--S;N=;CDVF6^^@]_]3;Q2<[L^"5?W(R+VBL;
M-<-^YVG>P>GZY4XWK\0UBCVR^YI8(QFE4FRULV@6_%(@+"4>&K)K&I<ZP_SB
M?9SX-?)UN[K[&6&SFT<^O&Y:N/#CQR>98YQADC24XR5R<9PBI6WTJCRL6?/C
MW]3-@QRP8MS#F='L3RSR16%SC*4'6,7%VM.,FU<X^ITV-V0F2];_`.CWL'6B
M?;5M-NP5LR19MTJ8<T2&QZ,;*;N$NP??/<D7.&,M;4*>41.Z^S^R;85(_P"]
M]G?/)GHPAVOY!=AC\."&:BM24'^[Q**CQ[6XU4:4=M:<5/1AMSGUO1N&63RY
MI8JNYMR7[;(Y.7/N2E:Y5JKJ5YH<5:9<=.]+LBT?`[7!NU<]O+/5\%?MGM0%
M]J-$/5'><,M/M!D6);7O$0UHY.PH]6M3C?[*1^?(?`*A5?I?\D//F0H'6X_O
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MA[3^H6XI/VLN()^IOH:1R3V`B#B<I,=SW6OFKPLTM[YL1US@DL9S$-@LXP/9
MFM/H88O,9_G/JXE7GM];U^GT_=Z_Q03CN]BLF%M*O[6&-Y(T?E+(\RBVJ5>)
MKT/(WM[:[/J<TLLG=IZ%F55='LRR*$KDFJV+$Y*OA94SN;7IV>_UW[PNX1K3
MN1#(#GHM[;Z[OH,GK.A:-8+M9\*M?KTFMWZO\NULE,5W4R,;3S$)V>/>$Q7^
M36>O_$U$86Q\]HQVORCK?@<-=;T>QUL>%K'"$81S1SW0E9'W8U\<6DU)JCI5
MR:?N;D]?\=W_`)5/.]-Z&QDRISG-REBEAMDKI<3=\E5.*Y5:)*G/`6AV<-OU
MMP*\9T6Q"B;;_7M[":M;L8%>\VU^PEK+G\ST3$F*+?K:6(\`3<^MT=RU%A\B
M;7CA.)9&EOQY,B2W#1U7IY-C%/K(=EKY5L;.OV>'''*]3%ABHY(9;X12N4X^
MV,DIPBX.C23D>?'#EAV,]#-C>'!FZ_-DEC6SDRMN$\5DY-TLE[I)N$FIJJ;:
M1]2OZSZ)6:#Z#>HD.K(+(B6/URPZZ$>E[5:+:MTY9LHIL\J]`F6HT<DBQ3C_
M`'ZQQ\1;(Z&C_A&8:1_Q\^/_`"S8R[/Y)O2S6W1VLT52,8\1R22JHI5?U;K)
M^K9]3^,X,>#H--8JTEK8I.LI2Y>.-:7-T7T2HEZ(^/F7Y.5.>KO]:&LS-T]D
M>ZK[/>Q-=R3;[\WO>II*73$K6`W$Z5R-`[MJ4`K@%F#0Q<&$1%181^!R.J7'
MG-SGY$AW[G<W88^X[;2CKZO[/4U99,4/AQTCEC+"EDK;63K.3<9-P=:.+BDE
M\=JZLY]5UFT\^S^ZVMF./++Y9UECDLK>.EU$J0BDXI25+E*YMNU;BX1SO6[3
MZ:"=9U'/_5^R?V*X!E!J4G5+P[9Z=G6D^E$W:W\;K.M&;!-T6F57:=]K@X5S
M\8NS(8X?DCX#T?\`.90CI8%#:T8=[/#AR]O#J\V1?Y<+93Q[:Q?++&DH2EBP
MRE+F+3L4I)VL[>:4]?=GT\,N7'UDNQQ8W[Y5C">M\OQJ;=\8Y,L5'B55<XQ:
MN1H/:ABQ8)<_9?UD]<]AUNH9?(HG]>U\E<':E<+?8_6_4=4]]:EDY")0K=;3
M=BL52CZ]E[3\Y8"3*=@I<&.2VHR&2#Z7N7IGB['7U.V[3!@GN+)NPYQQC'/C
MQZ<LB<XQ48R^+)17I5]RBW6*IQ]M\NCGV>LZ[-FAJ_'J2XG*4L,Y[4<;ME)M
MQ^2'-K;7MJE23KF>YY:W^AYSV:K7K!<])K->L_HJ+U`I"L^L7B]MTBZ0_9ZA
MY';MQKEFU8O?Y5%L8[*M+)3BI)/'("7`L0A)C.KC.*<ST,,'Y%CU,O;X\4\L
M.Q>-...$+X/7GDCBE'&H*<7DQQ48^:3E%-55-=UDS=%DV<763RQQRT%-UG*=
MLOGACEE3FYN+6.<G)^/:I-.ALSWKY[BYW5]2O^/U2QX[1:/B`?;Z[0&_=+2?
M9TQJWL)@FI4/5*M+&.V@5%)01FUY:,M%2MR.3WAUAX3&N.Q5/,?/W&/L^BV<
MV'6WIQS[&38>*4_VL-=8\.;'/').UM-XLCQY,?M4H6S2E1T-9>O[G7PY=C3A
M+#AQX%DC#]Q/,YY<4X9(M52:62"R8\G-)71JJJIW]Z1ZM_[J=&]CO;:KW`M8
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M=Z.QER1G5W+#9\V+W/FGRY(8?/\`3"2*MVCV]UCV5JT'V$RLS;`.4W.X>C'I
MH;"`-?+9")%638UM;/[/BW;_``HY!K.K;(L-AHV5N6%,?I,+)43BPWH\M_Y6
M^YH=)I=5F?6;D82W,<-O:3>-9&XXO\K7=CI?&V.;8LK;-6.2:5#J;G;[?98U
MV.JYQU9SU==I3>-)Y/\`-S*[FQMO%@OI6/N2:;/JEZ-Y-OV27C<QMWI[>88*
M='9@5R')YWL99_9(O1KNPU<1^K21-IMX`:=KU'ML1BORXPER7,99+-D7V>,I
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M`!V<>&=*>EN0^Q-:U["=0JH&37,)N616A>X6FT^[UP]J)7L01/@*R?S#7Q00
M_6(H,5=4GF)#LDH&>@07Q)IV/R.MEJ$B/Y7?;O5Y=+8U,TE/L89X_%&.I'76
M!1E)9,3:DVXTI2,E)J4$ZU<J^ETVIV6/;P;6.-NC/%+Y'+9EG^:J3AD2<4E*
MJY<:)QDU2B5+:TJN!?9'^P:V^NNX6RYP<MS?U8S/6,GQVLZ)<\S%:O:;SH^H
M5G4M(/S*!8*M8+QW)XM/K8V(/=ENP`[A]4MQCK\N*ZWTM7+DZK\9AVG7PQO<
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M`8C3?ZU/1S12=`K6H:1D56*:AH]M]GXD_;'P6<62H2QMQL%:J,"5&;2MN-#[
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MJRRY'@AV&WB5TFZQCCG*$)-NLK?[MS;I%?0JG?\`:M*M.X[!D=*M!V\9[HO]
MIM*P*X`1N_EL7@NB:Q_752=*3@@G6A\4U.S*#?-DK_62D(0F),+RTRA2'6I!
M)WO>[UNAJ8>NP;NQ"./:Q=/+-%O"LKK+=G#YGC=%D<,4O:Y545;.C44=7?W=
MK)OYM7!.4]?+VD<32RO&FHZD9_$LBK8I9$[E&CDTX<.3-^K.O8.H7/#O67=I
M]FQCU2]A/=6;"KU,K?M%>M&MP:E!/4R[7R'ZXEMV7%J-[#TC1]WI?[.`*:GJ
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M[A-_QB==*UK5%P_UPL(NX?[!TFU,4&)JD/38VG:8BD'K67J1'E`KO)AP8Q*'
M/P1/1BD0VF&>NMJ]OK,K[/4Z/K=]8YZ638SQ<;(1O^-X_CQWJ*DKY4A)J2<K
MO<VZ,\?L8?Z=L]QO:3G':A@PR4KIRLO^13G:Y.+LC62334:<)(ZMD9[3O53V
MF]"Q7KII6EG&?9$[J51V"GVW;-`V8?KF75[";;H[7L"3Y?;5;(\.TT[0@-?C
M]L0OD)N:U:50GNNHD1$->-'9S]QT_93[3%BB]6..6*4<4,3QY)9HP^%61C6,
MH.;LE6GQW*E)-^O+!BZOM="'79,DELRG')&62619(+%*?RNZ4J.,U!71HG?;
MZHS_`'8W.[^H.]RM.%G2Y`%[%>K-WR/,*1/G3YM:5[DYC84&<`$!P\F2H;`.
M;$+U$Q!E_C-H=FM5F-\GW_"CZ9Z#KM?O.M6I.,5DU=R&3)-)*7[7)&F9M^6L
M3QQ:KX^1TI4=YOY^GWWM0DWCV=66.$6VX_N(.N))>$\BG).GFQ5\'*51MVZ9
MKVO_`-=<+2-(UO8_6?;;]N9NU&+8=(:-K'K/FF5#?8C)D6\^Y-X;*!M"]C='
MK]`DH4\IN8.#$(2N*;2I'GLY\'7;=WY1+%BP:.WKPPJ*BE#'GR9'@R6JE$X8
M(3S+CB4HR\GDX<N_K6_CL<F7-N:N>>5R<FYY,,,:S8[G6K4\TX8GSS&,HF36
MQPJA^I7H9[LY_NVJW3VBW74O3.-<+(6V:[6,1[(%/86_TNO;SD9?*R-BFYL-
M`U>L66PRQPP8&A.TCM8;6UUA,&7\DRRGL]WV70;.OAQ]/K8=IQBL4(O`L,)R
MPY%D45-N4HP4I2DUE^1UK=&F\:C@Z?0[K7SY9]IGRZUS>2369Y9Q67&X-V)*
M,IM*,4\=GI:RN[!3KQ`](SGLG5"=PW;V7LW]B8FHYR$UO8KLU0'AF;?VKS`V
M/Y$-@3BY"HT6KMS:S#9>+,#N$_I(=X[*^#C;;79QY]>7Y!'JLRAK]5#JW*;Q
MXH7UGUU<F1M)2G*DG[:V\*BKYZ\\69=)_J&-SS=A+LE&"GDE;2&]2$$F[8KV
MKFE>7REX^LG]?1T!=\C.Z*]J=^U#8[7;YT;V);TAN;5[)ENP5YEH?8,6YC:R
MA(5B(C-^.)B0`L-3R9<)31-R>67._:2_C/R;'EU]V.JL./#HP@O@^.DHY,4N
M8Y?EHGE<_+FZ4=8*,+;(_5_C\\>;4ELO+DR[LY_YU]8N&1</'\=6L:AX456J
MI)RG=<_E[O=:8]=[[_<'NV.EKQ3-)J=.]8EQ[_S0M)M+6<`-?&O1=AT]BJ6.
MU&JE)D9Q4R!`^-[+@/Q0:1WVQ6V(W%M*^NZW*^TUNCZ[>CCR:L\FQ[+,<;WC
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M#J<_94.X-2O_`(`T=:^/D1/><^EQ:&.?Y;'$L,7K?Z:LC5JMI_IRE?2E/Z^;
MO\?-;CY_)N95^,2R?++]Q_J#A6YW<;S5M:UX@FJ>D%_A+4RT*2]=/=Z`$]B`
M5JNMS]GM,W^3ZZ^S(+=M&.ULT&[#M>JP<"TSU]+V6%5\ZEY;DPAX>$GB1I6O
MS&`:)#CHXI*ZV_T=S)'M.@>3K)0QZ^IAP_/@>*"DG6.-YL>91<I_)D:E-2E&
M:<VDI055W=6#Z[N8X^P4\F?:RY?BS+)-IKW9%BGB<K868TXQ:3B[4_;)GT^T
M34:?FN47W9C\]R70\[H%LTD^2KR$&7W:M3:^0LIF2':B.]03D\&#'>LH;7_W
M7.<3SO\`GSY+5T\^WNX]#$J;.7+''%2X]TI**K].7R?2[.UAU=3)NY'77QXY
M3;7/MBG)T^O"X/\`/%PW=JAIV731N=%\%IOM7Z;^Z5O+T>Q^YNE>S-ZT^N`<
M>K-SI]QTVDVZ*3I=+M%8FEV^-E0)XOWG[61`4^ZQU'4_IOQZ^?4S1GECLY]/
M>U8J<=7'@ACD\LHRCCG%J4XR2YC.$?Z5*E3\^>3-BV<3ACE@P;6GL2<7L3S2
MG%8U*,IQE6,91?AQE+^J2K0[3_K;_P#XPV'_`/UG_P!57_YP'LUYX7Y5_P#H
M$?\`_;=A_OUSV/QK_P#3)?\`^LT?]V8^QWGPI]D/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X!&5TNHN7*/HBZV%7?(M9ETN-<%#HO;&Q49Y6$<G5MHMUO\`
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MS_K?<?LO]._<YOV-MMESI;_A_P#'_M_I^QP?Z3UG[K]]\&+]W===:JW?XO\`
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MIBJ/1)I,YV!%!LRGHW`T*)&D]D]9^_O#N?D_99.PR[G7Y,NOCG#'C45-MV8H
M*$+Y<7S257-I.YR:I4WJ?CVACT<>INPQY\D)SFY."2NR2<YVK^[&KHHITM44
MZT,WV)]5(]ES6FY7C'KUZ76?.@MFLEG)9CO-%*0Z8).')+Y-JSY\FD`3$2L'
M5EBQ)R?]HW[IJ)JD)?8XIWY<]9W+Q;63<W]K?AM2A&*R89IR:2I;.]IR5%&G
MNXIX?%-[_5J>M#5TM?3EKQDY.&6+44VZW1M3HZN5?;S7RN:XN*>@61U;U\+8
MIN--RW8$7?5;)N5U$Q\['U[,0.B6&<VX)B9)2WY!610JYFE=A00=?<:E](M0
MH"75O<>>=YYKL/R3=S=G'?Z^>;!\>&.*#O<LCA%<O)+B^623<YU5M71*B1G1
MZ#4P]?+2W88LRR9999*Q*"G)\+''FV,(TC'FM%6M6SKG+\HS;%:=`S_)Z37L
M_I@V1/F0Z[61S(T<B<5F.D"A!U#7/OE$2<]];TB0ZI;S[J^J6I2N_7SQ-O=V
M]_.]G=R2RYVDG*3JZ+A+^"7"7A'K:VKK:>%8-6$<>%>B5%SY?\7ZLI\%Z3^H
ME8OX/4ZYZW8V#T"M39!4#:!5#`0"`HY*=GO/V2(F-#;BMVE2BDA/"OQ](I;>
M6A+W$=ZGSO9._P"[S:TM/+M9Y:TU1Q<VTUQ[7S_3PO;_`$\>#J8^EZG%G6SB
MUL,<\75-12:?U_\`+_N\_<V1WT_]7+-K,;=3N"Y@2UZ*6!G^7]^J#>6"58:Q
M\/*U8BDAIIMLQ8JZF,TF!/EH>F0TM-I9<1Q".<QC[OM\6D^NQ[.9:+35ESMM
ME_5%?2,JNJ5$ZNJ-9.HZS+M+>R8,3VTT[K56J\-_5KT;Y7H>ACU$]8CVM-;L
M6PO-96OMS(1%[0.5F!'L)$F-A+&C2IN3%;9;/EAPU?8T>5-1(D,1^<;0M*.<
M3QC[OML>E_IT-C*M&C5ESM2?+2^B;Y:5$WR6?5=;/:_>SP8WM_XJ*K:\-_5K
MT;JS#S+TT]4<8L$&UY3Z\Y)0;,*G3YX4_6J4%'&`#A,61"SHE=(-Q?RJ\(?$
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MAKZ^*,,D;9*U>Z/^%UK6/_;X^Q)L5]9L`]<VCS.&Y+2LQ3:/UG+`NJ"&H+Y9
MD&B8V#A2Y7>N25C0C9!],.+Q?(\1+R^-(1Q2OKQ;_;=EVCB^PSY,UE;;G6E:
M5:7U=%5^73DY-/K=#KKOV6*&*^E;52M*T7\%5T7A5X)[.S7/2>@`-7(TFK3M
M-JM;/4^M7^4"'/W`#5;1,%$+'71%A<CJ*0`QN<#ANRH[3J6GG(S:E<[U//.K
M':V8:TM..2:U)R4I0J[7*-4FUX;2;H_N=EX,,LRV)0B\\8M*5.4GY2?T(PK`
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M%YGGQ9L87"(,URJC(AO]$>6%65`J-*9<*+`R>UR!SD+KW8K:8;26VTI0GG.W
MN=UVW81LW=C-EA5.DI-JJK1T\5]SYI7E\G6U>IZS2E?J8,6.=&JJ*K1TJJ^:
M<+CQPB:Y#B&1X#5I%'Q;/:OF5.DFI]A76*>-:$`VRY-N,U,E11L?Z18*%LPV
M6TLLI;9:;:2A"$I3SGG!N]AN]EF6QOY9YLZBE=)U=%7U]?+Y?)S:FEJ:.+X=
M/'''AK6D515HEX_@DOY'M`Q?)!5>H%2&YM2H%8RHY%LV:@(E=&,"*'88,4Q"
MAFZI`;CIC@R<6'8)S3;T=*'$HEN\YWZ.*^LEO[L\N7-/+D>;-&W([G6<71M2
M?JJQ7#^B^A8Z6I#'CPQQ06+%*Z"HJ1:JJQ7H^7ROJS%M>$XO>A>CA+IE5`M8
MC8%B'=2&V&JABT*_OUX:.#U^3:X\Z(\V:E@1H>(U">>XIV(F*SUI2.MHZFX>
MQW]>>+)@S983P5^-QDTX7-N5M'PFVVTO-77R3+HZ6>.2&;%CE'-2].*=]$DK
MOJTDDF_%%3P16E>J/K7G5()9O2</S6O4@W:`5V/5Z'51BXE@N57,!S]:M5A=
MDLORS]BKYFO0)$*9,<?D17(3'QK3QEOB>?/W/:[6PMK8V,LMB,'!2<G6,9)Q
ME&/TC)2::5$ZNOEG#AZKK=?`];#@QQP.2DU:J.46G&3^K32:;Y5%3P687S;/
MK`?F6D[2:J:L1&E%,V(&2P(:1GS\^.362)JDSGYD=Y4NJEIT=#LF`Y]T9]:>
M=6COG4AM;.+&L./)..)9%-)-I*:5%-4\22\/RCLSUM?)D>7)"$LC@X-M)MP;
MJXO_`+6_*\,YLA>J=,]=Z7>Y?HUB_KYEFN6@:*#0"%E"&!-,0-AD.K9A%$U&
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MZ\B3`/$\RJ>;#;"09+'FJT.3%>-D8T1N!$EEISBGIQ%R%!:2PQ\SJ^,,IXAO
MB4_X\N]V>_V<XY-_+/+.*HKG6B\NB\*KY=/+,Z>AI=?!X]+'#'&3JZ+R_OZO
M[?0W9''<I+A-)K97.J:1K^QS91+5PTRO#)`W1B$ZOAZG,FW*&['4Q89,JLUZ
M#`<7)XXI42&RUWOV-IYSCAO;D,F++#+D67`DL;4G6"4G)*+_`+ONDY<>K;]3
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M?V^#%!RBXMJ*JXNE8M^6G1</CA&-EGISZK8B59.Y+Z^Y/0#D9DK$B&ZY3`T(
MQ"&FHL6"1"P2G(RI\&OO0H33*1S+B(++:/M;:1SO>=NYWG<;\/CW=G-DQNC:
ME)M-KE-KPY5?]3Y?JR:W4=7IS^35U\6/(J\J*K1^57S3[>/L9&3>HOK%A%J*
MW?&L*S3,K29@3A4PM3*N.!NLB"9&.7)!Q4>$TW#!!R!6(U)?B06X\=UYI"U(
MZI/.\F[W7;=CACK[VQERX8M-*4F^4J)NO+:3:3=71C5ZGK-',\^G@Q8\TDTW
M&*7#=6E]$VDVE151O=H];<%]B8@&)M^2TC3.565,F5>7:`D::6K4@DPB*377
MS:>-&`J2L5I#4M$9]I$IM"4N\6E/.<X]#M>QZQREU^;)BO5)*+HI4\7+PZ>E
M5QZ'+N==H]@HK=Q0R6NJN7*^M'Y5?6CY]2%7?TE]1-*D4V7?O7#'[<_G]9"4
MFIK/4<(0X.I5:^/^/4N0AZ*ILQ4`BFN*BBYO),!A?5*0UQ2E=[SZ_?\`=ZBR
M1UMK/!99N<J3:K.7]4OM)^LE1OZG!FZ7J=AP>?7PR^.*C&L4Z1CXC]XKT3JE
M]"_(%+J(JRE+D,K(,?:S8"O50O8H8R)&,$JS4I1V;5P$R>RTB0^(K\NSD7(<
M=2NM1USG^HYSKBOKYTMC//$L$YR>&,I246W12E12:7UDHQJ_6B^AWHX,,,KS
M1C%99146TN7&-7%5^BN=%Z5?U*I.^J_KC9:]FM3-8IG,RN8W8V[;E`CE9'18
MF=V)#LEY12H)AM1U@GI+DQW\A,?J&Y/'.\=2OG?IYW,?<=IBRY<V/8RK+GC;
MD=S]\?I*OFE.*^/0ZLNLZZ>/'BEAQ_'AE6"M7L?/,?I6KK3SZFG_`%>-YU80
M\FF9=481RG0[R'"EA`86'<KT/2K1"NNC#`\J-"4_&CW&X#6")5#7$(ESV$.N
M?>XCZ\DL^[L8Y1SYIO'-P;3;=SQQ<(-\_P!V+<8_1.BX.2&KJ89QGBQPC."D
MDTDJ*<E*:7_E)*4OJU5FGFY#ZT[95#^9WG%:`6K]ENTK43%8,5P7(@%-%DRN
MSYF@Q9+4=B0Q>%R5*<62:ZR0_P"2N\<[SJ_.3'V/::6:.UKY\L<T,?QJ2DZJ
M'A0_\/\`M=5]CBR]=UVSBEKYL..6*4W-IQ7,WRY_^7_=Y^YF%O5[U.K.2V?+
MI/K]D3.36I\-(LF>QZ!6^5RREP<(8/`$IPCD%$6981<8)$['GK_\QA<5M[CO
M'&^+Y5W/<Y-R&[^YSO<A6V=\KHIMMI.O"=75>.6J4,_Z3U<-:6HM?"M:;3E&
MQ4;223:IRTDN?/'DJD5C/J?`RTSA'_MKSIG&;*>39[!25@QI486LZ%CEL6TE
M'GQE2)MJA+$1%,$52.SHZHK/6G4]:;^WGGVG<RW(]B]K+^^A&U3N::CS[53^
MZZNL:4=75<LQ'J^KAJRT5KX_VDI7.-$TY<>YU\RX5'Y5%1\'1N+X7@V+BIBL
M+RZ@9P/LD42@P_2*V-!/V)`11-0MZP2X4=J:;(07C$SOSS%NR?DD.]6OJE*[
MWH[W8]CV$E_J&;)E<6Z7R;MK2MJ?"3HN%1<([.IH:.BG^RQ8\2E2MJ2K2M*T
M\OE\OGEF87P'%#^IQ-N,YA3"6M0JE+H;5_E!(CEC>IDU!-I^L3YO4?4H&^(W
M-2VQ)XZAI,Q_C?$\><XK,.RW\>F^OQYLBTG.^RKMNX]R7H^%RJ>%]$6>CIY-
MG]Y/%![2C;=3FWGA_5>Y\/ZOZD7Q[U*]9?7TX8LN)85F.7V`\/2&(F*=4A0<
MC^A1+X016X$J.QQT15VYZ>/I&1.L0$O)2OC/%)YWG-O=UVW9XXXNPV,V;%%U
M2E)M5I2Y_65.+G5T]3BU.JZW0F\FE@Q8LDE1N,4G3S3[*O-%Q]BT+IFV?:/V
MI*O]*J]T[0;J#TBD=LX0>;[4M`K/)::[=*[TA'?Z(LX1,]_D6:Q]DACCJ_L5
MS[N^=37V]G5O_;9)X_DQN$[6U="5+H2IYBZ*J?#H=G/K:^S9^XA&?QS4XW).
MV<?$E7Q)5=&N4?QC-,]C:*0UV/2*JQJ9:H#L_*:(T"'-W,A1@Y>>?%U&98TQ
M^%9%='FRDB6S$4[UAN0\M?$\5WZ^'M[+U5I/)/\`9J;FH5=JFTDY*/BYI)5\
MT15K:ZV'MJ$?W+@HN=%=:G51KYI7FGU*HJOJ!ZMT;49FUT_`,HK>K39IHHN\
M"*8%A&XQ>R\<39C8MUJ*ED,=LZ7G.$YT1#$LAQU?Y#CGWK^O<S=WV^QIK0S[
M.:>FDE8Y-JD?Z4_JH_W4ZJ/%$CJXNIZS!LO<PX,4=IMNY15:ORU]&_5JC?J6
M.SCV51ZQ!I;&=TYFHC+HC1QU:;KXU`2#?F[TYIS=RBCDQ^16+(C1'EF^3$IX
M_P`**[)^[Y>_=YU7O;CS/8>7)\[QV.5SJX6?';7_``V>RGBWCP<ZT]18E@6.
M'PJ=ZC144[[[J?XK_=7S=SY-H)SJA`;I;=&"4^N"+Y?H5>'7BW#!$*"?N$2I
M,2XE7;LQ*,RU).*K\.<ZQ#7)4XY'CK^)"N-\XGF)[6SDUX:N2<Y:V-R<(MMQ
MBY4<K5Z7-5=/+Y\FX:^#'FGL0A%9\B2E)*CE;_35^M*T5?"X/VWGU%:*W4XB
MGUK]OI$(8-T`BH-`7*NHX*-E!A,"T.K85TY#'B9KT9IJ3\B$,.K1SGVJ[SK]
MSL.&/'?.S$VX*K]C;JW'Z-M)\>H6O@4YY+(WY$E-T7N25$I?5)-KGT*;S'TX
M]5<75;%95Z_931%W@`_4K4NNTX1"66I\GKBGJ8M?(ZE1:8I;RE<$,=:&I5WZ
MI9YW_/G>V^\[C?L_>;.;)\<KHW2;I)?WO_+_`+G[ON=36ZCJ]._]KKXH7QME
M2*YB_P"[_P"/_:N/L7^"!AJN$#5JN"X`.O5X4.!@@HN,U"&!PPF(S`%BQT-A
M*&(D`?!CH:9:0GB&VT<3SG.<\\W)DR9LDLN5N664FVWRVVZMM^K;Y9WL>.&+
M''%B2CCBDDEPDEPDE]$CGHAZ8>II;1#NM%/77(2.CV4C%-';;.HX.44)6"'(
M&RF+,_UZ(N/RU<>#1?N*)0D@XF.A*WE)3SGGIP[[NH:L=*&UG6K!445-T477
MV_\`CR_;_3SX.A+INJGGEM3U\+V).KDXIMOAW?\`EPO=Y^YH"/H_ZX1W]8L^
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M[ZWX[4I2XIP<B6'HP-B7%#V0/(KYNOP)2HJY`VLSPDMV*H9'4T/2PZM"64\5
MWZ]S9[_N]M4V=K/.-4Z.;I6+N4FO62:3N?-5Y.K@Z7J=9W8-?#&5&JJ*K1JC
M2^B:;5%QSX+HJF89U19SI.F4>KU8B_4J;0GIP$+`&2G:5G;1=FAU5;T1EIQ0
M"GLGYJ1T7O?AB)EN\;2G[U?7HYMS:V(V9\DYPOE.C;?OG2^7/]Z5%<_+HJ^#
MN8M76P2NPPA"5D8522]L*V1_A&KHO2KH3OSK'./`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`Y+UCW:
M]=,5WS'_`%PT+2*C7M)V:.>D@AY6WU$3^F0+:A)!HL$,L=@F(K]]*3.P`*6H
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M*U1OC=<G2E*UK5-4\U5/)`,U]H(!6Q>W+>KE*)G5,]=O8H'C`*T%3*`$(F./
MXWAM\%O6(B?(I'<L12X:PZ,B-1^M)D<Y%:;;4^OOW]G;ZB4,6D]-9,N?:U7E
M<4JM..7-!VI*MJCCN=?'+;IXZVKVD9Y-Q;;QX\.MLK&I-T33QXIJK;I5RR45
M//"I4M>#[&8"3U>5A`W:<MG[3!;D.3<JA7JMRK_$_$'_`+>6S)JK)%9EF7$$
M?^6ZRIGCS<3O'E)XUWBO.G+J^RAI+L9:^9:#\9'"5G+HO=2E&^$ZTKQY.XNP
MT);7[&.;$]Q?W+E=PJOVUKPN:?3GP5AL?N[ZY8/N&-^OVEZ34:SH.U?O5@X9
MBWU`*D%%%CGY(B79(ID\/*Q&+J5CJ%A5-1WN3R*%LH_Y([YV]'\?[3L>OS]G
MJ8ISUM>E6HR=6W1J-$T[5[I<JD>3J[G=]=H[V'KMG)".QGK1.451)53E5IJY
MJD>.75%@R/9[UOB:LUA4K>L?C[._)9@M96]HU2;ORR,F+R?&$\JJRW#'[B2/
M[R2W#^'\IR-WY4M];_Y>=5=3VCT_]06MG>A2OR62LIXK=2E*\5K2O%:G9?9=
M<MK]D\^']YXLOC=7Z6UK7[>2M?>;VA-^GWKR;VRLY.1W"R0KEF-*`9>(LD>I
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M;`1"?&H^E:G66E"C80I,$V(`-L)1NM-VGH"1%YV5)CQ&VVD.)4OB4]XKO?WO
MQK?P]OL=5UL,NY^WDDY8\<N4TG%M*ZVOHF^?0ZNIWVCEZW#V.Y/'K1S)T4YI
M>&TTJTK3UXXJ=`WGV?\`6_,@HNQ:%O>/4P&<`#;6!*6/1JD*AGZP8>;8$V$"
M]++-\-!2;KJ>,2HORLN_7GVJ[SSS=?J.UV\CQ:VMGR9(R<6HPDVI+S%T7#7J
MG1G>S=GUVM%3V,^&$)14DW.*K%^&N>4_JN"<!-3S*S-T=VN:'1[`UIH2?9LW
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M_3$-H.L4FP:5KI$;=9>E@2C`FP9@&I^5XDTS;\^*/6S8(U_E3`I0FW)YR*&?
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M6]RQ9U-.SFACI\-$N2P/)$)1`E!A1(;[\I/V]KJ>IAOPS;>WE^#K-:,7DR6W
MRK-TA"$*JZ<VG1.44E&4I221UNR[*6GDPZNOC^;?SN2A"MJI%5G.<J.V$4U5
MI-MRBDFV0//?;._@MF3Z_>V^5U##;N?SRV:IF%^I.H/:-B>FU/.W!7-/'Q+5
M9:3F-CJ%WSF'8($Z>-)"N,2!3ZID66\AB4B/V=GI=;)H?ZGTN:>QKQRQQY(3
MQV9<<IU^-N,9Y(RA-Q:4HRJI*UQ557KX.VSX]S]AVV*&#/+'*<)1G?CG&%+T
MI.,'&4$TVG'^EU3X=+ZHOL[ZX:?=B&:YOO./WW010O\`=SZ73M&J5DLL</SD
M3KI3H<06ESG!\;\^/QYU"%(8Z^WQSJ>N(YWS=CJ>TU-=;6UK9\>LW12E"48U
MYXJTE7AT7K1T._@[/KMK,]?6SX<F=*ML9Q;I]:)^.49M5]C,`O6C63'Z7MF5
M6S5:?^=_*<YKM^K!BZ@>BY#40NDG6X!-\M%6&F/MLS4J:YV&\XA#W$+6GG9F
MZOLM?5AO9]?-#3G2V<H2477E4DU3E<KZKP:Q=AH9]B6IAS8I;4*U@I)R5.'5
M)UX?#^C\G$^-[,]LLC<G9%775E9+[+[1@7/D+I+\LW,K-0A_\P;<3!@_KDV#
MA#Y/PN_,J-]OTZZOZ_7GJ=CUW^G/72G?\^IBS>*6_(F[?+K;3SQ7Z(ZG7;_^
MH+/*RSX=K)A\UK\;2N\*EU?'I]2_Q_)XJ8&+<9=90N:AV&ZI/4\D<C/LI?\`
MC^OTZIOO'?L[W_HKZ]Y_G_/GF.DDX_8]'E<EWZJ/ES`<63&0MUL?-^>4VWSJ
ME)9<8<:^?J>?YZEE:N?7_P"'%?7_`*<[YUL#2DT_5&Y^"@(<220D-Q83*Y,A
MWZ_8TUS[E?3G.]4M7?\`HA"$\[WJN_3G.>=IM)5?@PN?!>.12W7!Q>&I7>LQ
M9<=YGG>_7[.RVG/D2G_X)ZJ/SO\`]WO?.ML+W)^IN!;WG7-CP!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!\UO;PU5\\]P/0/4+W!?@T:(1
M]B,_*7/^+E3HD/<+[1ZFC.PYR>(%DU!5V(@#F,P'I/Q,*E(^+B^..(2KZOI,
M>79Z/LM37:>PU@FHW)-QA.5[2;5;4TVES3GP?-]M+'@[G0VLR?P+YHN5K:4I
M0C:FTG2M'2OJ<=\Q?^/?UGVK]-F,\;HQ3^P^9K4W\:G3U75ZS,?VOM2XFA?`
MD<HZJ3!H$-EU@@E/VM`FDJ0OD3GU\]Q;_P`GY9"_,GJQZOXU[E9;_IW,/-.9
MMU7^-_XCQGI.'XS*W$ULOL+W[7=5;W$_%>()4?\`A7T*3]D=@UW9B=NJUAMU
MEKM_IG]@F,L`O4#-_5:7*(A<WR?W*S:#6?8;3=M/5HV9?@VO,P+%L;L8"<*&
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M]O\`'=3IM/+#!V^31;O<HI9H+8SMZLIO_P"D_P"_%54<K:CD_P#U86#-J][M
M=KM8YYNKAN+VT;>*3P84MB,$O\U?W).CEC2<H?WRZ\ET45E'NQ$R+UBOLW;<
MOW#>-SN?L#CAW);/$L7JU=#86YWFY;4`VI5<`C^YW<--B,"4A+"HC(FNV)EP
M!/[`C]B)\_=U9[O0/=[?&M?;U];#'#E62+CL13A".)XKF[XXVY7PM2L?R1N=
M3OZFSCU.X6IU<WFUL^QEEE@X23PR:G.619+4K932C;*M;U8[50OKW--5;//:
MC^O_`%B^P7H5`"73>*;8;GRKE3XH#8+UD4B'01YZ6'%%'A#9\T/>C0GI'&X_
M9O4-??QUUM*O.Z&&;9Z;L]+6==F6/#*,+DG)0R^]JK5:)IM+FG/A,[W<2QX.
MVZ_;S)_!&>:,I6MI.6/VUHG2K3I7BI\QILBNQ/ZZ](]"3.<W*=_8@=T70V(E
M09S:XJMEG]F;'NAFX4GV]@:0U755YVCQ),N!=N7517D46)B?AK?:E1N0>?6Q
M627Y1B_(\>7&OQ>.*'NOC;'!'"HSUG"ZZ_AXOBMK*3NHT[CYEV+\;R]#/'-_
MD,LD_;9*Z6:65RCL*=*6\K+\EU%%4JFJ'UJ_L*#V(KB.11A`TH?+0/<OT0+S
M4!!4PB^W#!^V>/$S1IV'`8DN1A@N%$=E27E<XS&CMK<<4E"%*Y\9^,9,4.PS
MN;48/0VTJM+EZ^5)5?JVTDO+?"/J_P`BADEHX5!.4UNZK=$WXV,;;X]$E5OT
M1Q_2,MTJ+[/!O0632[/$]8\5W8Q[V@+U^HEQ:$9R4J75>,5]>8)I"7!T@YGO
MMT:,DTB^]^^)5J8)YWG&Y*>>>WL;FH^IE^2+)!]OGUEJ2A7WK(E9ES->:3UH
MQC=ZY,L_5'D8-/:CV4>B<)+JL.Q+94O[KQU4\>+^,=B4FE_@Q1.7,#U[6\KQ
MCTOQ:VVTQZG9X_Z]:):5:W.]:#>P:5?M.)[M;`TOU_J$(Y6K`"I19BK,P3,B
M',$3REC00C(@-<3$DK[Z_9Z6EN;^_OX81W=E;4(_&LZQ8X8UABUFDU*+DKJQ
M34E&%KN?*/,Z[;V]71T]+-*6IK_MIR^1X7DG*;RR3Q13BU%VTE1Q;G56KAEF
M_P!8^4$V]!]'K'?<PLHPMG7]=VZUH3,OU">`EJ"9+^V-<C]KKT-\9'&4VTNU
M0?QG]?&XQV./2ZS&3R'U7.]3\MW8/6[#%K9H.&7L\,FH3JII:TO=YK*-SK5U
MK*C?N.U^,ZLUL:4\^*2>/K\J5T:6MYTDO%(RMX2](U2X,3+I4/UKNGJIK&D5
MJR4##,T]G/[?,RGGVZ19%US-(FM^QI<_C_[(8'#RI59S^U0*5+8%D?QT"OE?
MAM)<2F4Q]VMQ/M=?<TM6<,G89=3K<B5\;LCQX%'+1MTE.+FG)5NXDZ<,QJ?_
M`-NSZFWL0ECT<6UV$&[72'R9F\=4EQ"2BU%TMY2]42?$99S1]PI&F"J#HH:J
M6+^X[<[N&E6JA6NK3)>=O_ULVJJ5O1I8LZ('DP]1N,QEA8Z3-:C_`"?F,,KX
MB0KK/.+L(X]7K\FI/+BEFAT6*#MG&24_WT92@FFTY15;DJ^&_')R:+GL[^/:
MACR1PR[G+)70E'V?LY1C.C2:C+BC=/*7G@P/2W,[VPW_`%Y-1:@8JUH&_P!7
M_M37$'#M2(C?XAH$_4?5]51C'94\8VX&-M+AO/QH[_6Y*F8[ZFT=2ASZ:[[;
MUF^T<IQGA?;Z\J*2=T%CV+J4?*Y2;7%6J^AGI=7.EUR4)0RKJ\ZJXM6S<\%M
M:KA\52?/#*S]"L^@VB-Z"9+?O8HU2-K]32C5F)^M7_L\DYWH=8TJN9=;J;LX
M2ZZXUPC&(5"_*L969-LBWTQ+P\[%FH??DR&T][7Y'LRPOLMW6U8Y.OW5:L_[
MF^$L<LD98G#'Q24+8I0I7$DXT23.#H=:.1:&KL[$L>[JM2^']O9.,U"4<BED
MYK&595FW3(VI5JTCZ2^VY(OA'M3ZP>XA*HVRW8O4<WWGU[VTC2:N<O%@R83K
MQC(;S3M:?J%7@%K04I0ZQX^H2>?'Q9+PY@JQ+<;_`!69+C?RO2QAV/3;?1QG
M"&_/+AS8E.2A'(\:RPECNDU%2<<MT$VE)Q<4ZM5^D[9STNVU>XE&4M.&++BR
M.,7)P61XY1G;%-N*>.V5%PFGX3.;-NT8?[R;!2[AZ\!;?:\;]5<)]N;E<-DE
M42WUNJ6W3]7Q$QD5$QO,Y%H"!I^@F6A5A*FC;HQB2/'=B#XZWE2Y/&6_5Z_5
ME^/:.3!V<H0WMS9UHQQ7QE*./'E66>7):VH*L8QA<TY5DTK54\S?SQ[S;QY^
MO4Y:>K@V)2R6R2E.>)XXXX7).3HY2E1-*D56KH>\7&9E3PK^EP)F%!52K/16
MH%;CSAE3E0)6=+MO]=N^C2KMG<C#N2P$`GH2ABRRIO$<E%D,]?\`OE=;^L>]
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MES`#3=R"!UV-`KJ4HX8&\E""'U^^+)>1SO>?$]]L3SRU'*-EFA@BO=&55&+2
ME[6[:_X94E'U2/K>EP0PQVE&5UV[FD_;*-&Y*J]R5:?XE6+]&R\[$TFS7P,&
MB\XY&!MI?(J1_EMGG'6Y#S7>I_PGOVMM-_3_`-%+^G_IWSR(>S$Y/RSUWS*A
M<7G7-D;/R1]?"E"*6(T97XKJ$=:9::6_)>3UN.W]4)3U?5.JY]?^OTY]>_\`
MIYN"<Y)$?"J1S,0S@RO]E/IZAXL]R7Q*N=XKD5".-Q?NYWG.\^3GW+Y_^BOG
MF\TKIT^A(JB+'\X30\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@$=LKIYL>ENNQ
MFGITI]$;K[KB4)@M.)5]TS[5\^CGQ]YS_P"/T^OU^BO^GFX6U]_@CK3@\JO6
M8]<AK1\BI9&8KYB1!SZ]<DO]ZI7>)ZKO5)90I??ISO?KWO>][_GOB<W-_8)4
M_B2?S!2MWP!>TFU/V)I,,`*E+X/%-N\=_9+1WO$RY*T_3GPN)_\`3O.=^WO4
M\YSZJ5WF4XXX^S^I^IFC;Y\%C\YQ/.)3SB4IYSB4\YSG.<YSZ<YSG/\`'.<Y
MYPFC^^`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`QIJ9
M:X<M$!UIB<N,^F&\^CKK+,M32^1W7F^?3KC3;W>=4GG_`%YSZ>6-+E=_37DD
MJN+MXE3@_P`SV`A-M]<,KRJP#?5/VE'^]53VG,T_V$;2_EY/6B_L)DA#864;
M=/SG39C]C#:C7;*F5!+B15?4V6!@8ZFF(\/\5QKOZQV63K^UW,V*>YIO\>GK
MY/V6+Y%C6'(L?^4IX^'CE'F,I3]LYOERJF?FVG#?Z[5PY(:NU_K<,T/W62QY
M'EQO(OEMGRII\-*'N44Z)49&"UC_`+=M<I=@IYWOM:-*:OZ@^U+,`-6:!4,3
M)XIJ8N?O9;'Y5QOTW-2U:O1S4A$6HUR%!KMD!GJVXXF9]CR7G2*.:&+\)TMF
M.?'^S>/#NZ]7*<LJRXVL*RVP612@L;>2;<\<X3_IXHHG%++^6[>I+%D6VLN7
M5S\*,<;QS7RO'=*QJ3R*R%(3C*-4UZR<TB:5_:@+G!1V<Q?<`N\.`4@;00>G
M8=G(^@'<!9]49Q30K_KEME4@9;`_MJ(]EHC\`8"_(A=E(C#6TBID&;+F^=9Z
MOX?.,I[3THIRFYO'EFYK-^X2A#'&]Q>N\#3E.CI63OC**B=A['Y3C:AK+:<D
MHJ*GCA8\2P-SE*5MWS+-Q&-56D?;*+;,RN$?[H*RB&='77;-+L\67D$`52=.
MRG$P5$.$M5_K_OFC:A.MA*M4"I%!H3,O<`0"`P.MD8C`=Q]V%,7,Y(4ZVRP_
M`\M<<\>OBPM96YX\F5S2Q[D(8U%2G)-Y-9SF_:W*BE&VE'C'/\TQ_P"9&>?)
MDKC2C.&-1;R:DYS<FH1:4-A1@N5;_3)RK4G7J<:_M1T.]^M0+7M$W"JYA/TC
M0C^O&B^)5VN7>`'J.2Y+9QV8WP[></H@U-6MVO*-Q8)6OAF^]'R9@V*3D\C1
M2".MW./\.U=;;R:6+7GN+%!8DLLI0;EDR1>2"AEF[HX[6XSEY49N"K*+[/5Y
M/RG8V-;'MY,\-5Y)/(WB49)1QXY*$G+'%6RG<E*,?#E%2=%(_P!"_GYD?H(\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`(5H=^!9E4YMTLR9_Z,;/K\&>Z-B?FOQ$V&Q"JVR0>9^1K[1PZ2
M71(F._7_`+$1MQSZ*^S[>AY*"#>ZV`E'RZ9]G>J(X#;MAIIFPWAN#5:X.(XI
M;J?2K)-D&"A%J+^H/&+Z*4#?3U7[2-+2ZVGB>=^@MK+NM.NY72)`*)<='H]6
ME6B`4*5M@_:0HETZ,"#^EBY(2B;-9[/@#1O/G>>:^YMMOO.][SG>?4*-FE5[
M`X4FPKJ:MDR_EG;@F";E?_G59Z7;'5Y)99R:X/X2[)1&%(`$.OKZGG&^#Y7>
M_P#X,_\`&%&8T/V-]?R$D1"A[9E4B8>KI"W"(B+[6/R9]8$I.**GF6%$^.\%
M#>5@G\[RN<0S^LF?=WGXK_QA1D3H_MOZ^WMA^3`U*BC65%M`@A'"]RJ\1%H$
MYFN0FW6L`O\`;K3,K0I$&4MZ1WJ?@1$D==XCX7?M!Q:,VI>TF)VK.#^NJO=9
MKV9@;W9J#_.+!8P,*L%"=:/NUIV6+-<).#WXA$HRIN.GKB7^J3U*FTKYU/`H
MZT]2<E=JQX'!9)F=3SP6/DRU#XLV=<:_&C2YZ"(,1V#$>=()1*F_MK.-B\:;
MZISL@A&;YSJWVN*"C(7IGLQE>77*M9V7.CRE]LJY+K=,%V"IQ[(,$QP!X\FP
M%8%@L`-$$+(0`<8;?<<0E;[C:4_7[O`2;53P>]MO6:.?16G]QS9DHZ#(6-M3
MMG'-BW!(RW0:%+>;.J>X$<?Y<B;`UN.F1V0]+=2AM"N]YX%K^AC9W[6XQHA^
MU5)BV@JW;:F4KP^55;'::<D].C6BO9Z;!F1L4-8C,>:)(3=+&C&G6GEI=(KX
MTC[OD:ZL*/\`D9?/:K!';58ZA#TNISB-(2B1?Y;=B`Q`]%'NUJP6I@H?)E2@
M]AZ`X.K,M*U0/S5QG6U?D)90AQ:`HZ5)?7]VQ2V'0%7K&M9S8++:07\GKE>#
MW*OD#9NO]Y-[PN-%Q9[DZ7![P9+[Q:$=YWD.1_\`L'OL"C(Z7]E<:&V%BKP;
MY5;$8C71RD6^)7[-7B#V=D(]<O-CF3;VTDFEVOCX#6>D8SZG>?>S*:4VM/.M
MN_8%'Y*UN_O1ZYU>=6:^"T6IWJW7$MEH^NUVOV@&WR="U>]F:`#-_NYTM@+R
M!`,5@KR6VAYR6RN`II3/''&DJ"UEF]]HO6W@F,=[OF/<#3>G.1"?=&J7(4KE
M:=&LGUQW_P!M\;K0ETW!2\M/>I1V?%_S_P"2S\@6OZ$GJ^V8]=Z[8;?3=2S^
MU56I-K>L]CKMN!&`E?9;&-F7'3!,?.D0Q[2!3O)'5.K3SC7U[_Z=^@49H)/L
MOZ\0F13\S<,IBLFP#-I$N2+Y6F4SJ]*,\K<0NQUPBGZPIMC[T<PKOT^:>E4=
M'W/(4C@4?T,R-["X1,D=B0]CS.7*3:Y-&5&BW6O2'TV^'%>FS*ZIIF>M:2L2
M)&<==:[SZMH;5U7TXGOT"C-'>/9_$*'GU=TLEH%>GU6[RR8G/B`<C&(1;[8!
MH*R6#@"LD&7%#94^=#J<U+"EO-L+=:XCY.*4GG0M=:&52?9;";\&SPO7]6S^
M0K4NKBTL7RY5MXH;,Q8$(@4KX^-%)O\`YYH.T08Y)98ZYU"GF_\`KQUOJPHT
M2`AN>+B;$NHE-8SH?:6[.*I3M=EW$`P99N)R$T2#59\<Y/3*9L)0?(9>8AK3
MR0ZT^TI*>\=;ZH*,BJ/:/`7_`,Z7`UK.BE>"1;"_:+:.O]'DUVI2*[,JD%T9
M87N6-)&,1)O7*%^(EJ,\VYQU'W+1V1$Y("C)G6]GR&XV7M-J.H9_:+8D#"M/
M:Y7K>!,FOXV2@B2@\[^N'3Y$KHJ:+/P)+3_V_&N-.CN\[UM]I2@HR#9C[1X?
MJE859`>B4^$N&V54?`D[96FSM7<"$8PHJQ8(4<K(X/<@3IT=MW[E?:AR0VCO
M>+5]O@--$QL^XXU2I5EA6_4Z!695-9!/VU@[;`@QRLMV=?6Z[^]Y,F-?JEFO
MI]T9#_V+=;[Q:>=1WBNA1OP?MC;L<DEK(!CZGGSQFG(EN6H8W;P2IE>0/ALD
M"*R[/)WW04C8,EMV3\GV_CH<3US[>*Y]0HR(O^TGK[#E3D$-@S0:*ASQX5FR
M3M!H[($E9IA"V#9E5'/\L2YCA\#(ID[LYIQAIMI+3GVK6J-,3&"UD[`ZWEEH
M+W$!6]'HYXYGJEIO8@1:0A`E3OC=G1W%V6%%FNR`K3<H7*94N0EM"7HC[?>_
M>RZE`49&QOL9@)B56H(O:<NGSKE&)S*K"C7FMN3#\0*Z38+R1<7A'YY3`V0%
MF-OJ2G[6W(KJ5?13:N<"C,C'MPS_`'6%=2^;&85EKU+O#]#<L@DB,+`CI*+5
MJI:9$T&0%3)C,F`RQ;&HRNKZVYR2P[S[?MXE2@:IY+?\$'@#P"%:-?ZWE=%M
M6BV^1)C5NGAI9HHJ##?(D7VHR/\`M018V*E<HD6)25(CQ(S?.N2)#J&T\^Y7
M/`2KP5S2/8[.[;RRP3KD[*[;3"_`ULH6H2JR#M8-]YBF2A\UQ(>QV$`3#E6-
M$!_CS($^7&4^39C*6B5]["!6F2!_?,0BUBMW61KF<,T^Y&NURI6ERY`$U^S'
M$R)458P"7[._`*RFGX3W%\8<7Q'&E]5WG$J[P*/P5W2/;S$KU7V[$/M@2!#@
MGKA7;HV4M5+AR<UFTJ/<)1-R]QW[*W)%,/1Z1.4W\+<EQ/QJZZAM#,A;(6LV
M]@]M?6BK_P`8X7VW.T.7)=)Y68\&Q0C$HNSH]@BU>DSH\40N=(0+L)V6EAB4
MXE$?Z\6I2TI;6I(49N$>Q^(QZ8&O5ATVB5`(8B.2.+LMVI\?\"5$D!X)@5,G
M0#Q$*Z0`$S\2--_&ER&67GT?1Q2%H6H*/P1ZX>U&1T'4Y^9W*U5NJMA,Q#ZA
M8;=9;5700(6+M-KE5&H0&T$)[4V?+/3Q<U?R-HXRRAEOG5*4\GB0M=*DEL'L
M?A%8"'+&6U:E)"UFXTS/[&0'FXIE@#<]"+!`E/KQC].J<L:1-3K'"ZA#W$?&
MQ(0^YU#/_<\"UD4SSV\]?=$HU:O434*0"BV4X,J+0@_;ZS$,#;N6:Z]"I!)A
MDM(9:M#K?.]Y%2M:^_3OT^OV]^@.+3H2@U[`T$#9R-2G\._MA>F9WD\KX!?'
M8O\`*M/!P[#6>MO_`)*?O%\'S4?DO_;SK+GU3]JOI]?`HS:Y?L(/6I=_16@=
MDBB:!>+'GDBR&$`&!-@L]-.%:S;HH*)`L!&QQFZ^=#NL.=*P!BI"%-/Q4OQG
M6WU`U0U0?V*R(K5K-:W;D"&QJ-35W^^#'#M?-%Z35$0YY'A2Q,U$M9(<=MT:
M.<D-\9?>ZXS]JD_7[D_4*/P;JB[ECNF34"Z#IE+M1=55"7=800?'R#L:IV*#
M`)!CDT)\R2L"%,@%8COU>9;ZVB6QU?$_,W]P-->2GAWNWZ[F)EUAAM#J9E50
ML<.MQ'!UUHGPW*2NOTZQFYM0DS[1`ADQU2@7B#TDXIUOX>K3]G%_-'X\+:RY
M_P#=N.].5RL\U//E6*X.16JJ#1;P*RMA<G!8-C@I#P4SNR9_YH$I%F,];2KC
ML>2RM'UXZC[A*,]?]RY+R?9!?=*HZ2-/>+1[3#59PZ7P#X`5PZ>9*H5+Y^&Z
M"#]_)FI7].Q&O^3OV<YWP*,A,GVJ]<XEB35GMDH?#"@U\/J;;.1GX+(O,B5?
M#WMV079ZX)COUPI:(3#S"WTO]<=[Q"%=;<^T*,S(GLKATDR/!O:=1!\NQE1`
MJC+F7>F*1HCAL!4;!`DTMB'8)<\G%<9O`QCGRLL.+?EL?&A;<F*X^%&:9?MC
M@/+K4*2UJ%'DR+NY<!8,PS;:VH.];J:;S\'-HG7NE$OJMQ!_1Q[D6(AM2GFE
M<5SO_=8XZ%KI4E&8;UF.K0Q/*]:0C-H(46NZ(1H,PV%5=JU6;/!B$!LRQ`H9
M"5('M_!.9ZM??JVGCS7?N^UUKJP::/S"]C,")1@4P?L^8S8=GD6*+7ID6[5Y
M^(9DU%E4FRLCY3<]3$EP+&3\K_$J[]C7T7_\O>=Z%&:>-[1X&7^K52U;/KS/
M;74'9(JIWNE3B$0/=+#6*^,L<AN788#/Z1I=P'REK0XMYZ+*8[&:?=DQ6GPM
M9E1/:#UOGCZZ6A;SD,H7;3SE7JY%C0ZJY!/V%M0I'0XF4DIUB=.4H\/XA#:E
M=<Z0B?;]?R6/D"C^A(7]RQN-1V=,D:C0V,[DDEAXUX>M`AJJR23<Z0.7%CG5
MRN#7U(EQ'4]4ASJ/M;4OZ_8GJN!1^/4B]A]H_7BM"+Z8(;/F76<SD='75AJ\
M5KL@`:6\5B1@)-*B:4P3$H@#F1D,.]0KC\1]"OMZR[]@4;-O&]@,C2,SJ98K
MW5:62U&GQ;O4ZU;;&##V"<$>!LV"4\W!>G_]_@N`[WLA;2EM)ZVOZ*[SGU\"
MC,41[,>NYZ158H3<LG*RKS+G0*;'@7ZLRG[/,&R&8<U@&TR24LBMB7)9:[\7
M%<ZY(93SZJ>:XL*,C-C]Q_5>JU1N[&-]RW^-/R242(0&6T4><GR`\X(.+H'0
M`;Y$B02+DV4=^2MEE:&&Y\=U?>-OM+4"C)^A,SWL-@]6APB%EV7,0$$DXPT/
ME%[O71[,UR1,L(]I$5<H@UQ_O9E1+-]^WZ_9T7+^[Z<C/=0%&1HW[5X+5&)"
M[CH]8JLV+9(M8?#3S88F99EE=4<QNNS9$"LD#RX8VQWGB(\=Q[K:V>+[^4B.
MXS(;9"C]":439\YT.9'"5^T`W;<NK#;G.I*+!6RMH"UTLXAH>1+1:V9.068T
MM;B?B=;D.LN\6E2%J2KG?`::+3\$'@#P!X`\`>`/`'@#P!X`\`KK5ZJ(T+/K
M=F)8TP"[IE8LU('3N_BNSV9QBNE.<FAX,IUE)(H%BLNST-)[]>)BJ7WZ)0I7
M!5PZG!)3^M4%-XB8WJI228@UK#!PGI@`4;!]M&6U:PTS0+6;BTB]4.SD%[>"
M)C^EH\0R.7&EAHSJ7W4J=:6-7EKZ%Z<5^]6[.KK4+37ZXYF^:PLJ&")5:/6J
MJBET4LHM0CH"O0M(K@5!J@6V/\O(I]FQPG4L-M+8;>:^?HEQSH`_KQLM3>7E
MU<VN30<DJ=3SX!BQV#6Q*M7:-T<?["<JS';A%LPV:^]1!VI<7-?_``43SK<;
MKB),-U4UYX6[U?DF3/\`6J(DTFVU(UK4^0_<SC]@)DA-2<C(B2WBWLB:1%@(
MLMPN!J2.C3?8E[G$D2)"0ZT+XE]YY4MY:0NY/`U_6O%N1BZV2_ZF-LMAT9FR
MR[/,AY^>KXT/:)1'1RM*LE!K<'6'*X-D523IDUJ2BP1;0X3B)^Q#L-QZ0\Z%
MQ>\/U;N$&B#(#.M!?]HB-^NWL-`NZ\L973$6B^-W886"OYKV[\F20,2NWV;'
MC=Z?Y,Y*;9E.ONJ2XAT2JK]BL:-_7VS1[)FST76Y)&BY(9A':559E#'\._L5
M%LC-G7+#;V[!^.41.(9(Q^$F,+@<@-S'$]_(4VVO@.5?XDDTWU-C[3?;39`F
MTBQU3/7"'=[%5QU.#V4U'T`)FKF)*<9N/+.Q^M!-`@K?'!BAZGTDXSZNR?L6
MIA`*5%0T8?TS:IIVIS3.VB(@89<1)0-2$U-\76A`@#LN2:?3*#F;%CT>Q$ZL
M`'V:C]C_`(BY!1A+QWJ!S(Z.Q$A)"ZIJ87]?94;P=%A;9'Z-JMIK6ET6-*RV
M(Y*%:?5ZQE%4A%+(1C72&[:*7)'96TIX.VD?+4[.7U)%*6(Z6PN$+T'?F5Y@
M>YN:"RXTT+9&BT;/1_P]TZJ/W[[#3D%%ND#G*M^ZLS'9`+J?EZD>\PJ=_P"3
M]8\+<6=F?IK'H-VC:'/T)P_9Y.M/[-9E1:G'"#"MK)UW?@YN$*B*.%Y8.O/3
MM\ER8C#DF:]%;@(;<>D./O/^4CE7@JR%Z2Z';)-GL5IUM[/+!$OGLG)RARAU
M6#%-TNLZ[J&QV>&9*61BS/\`\BL$QJ[C",9YID4^.2PY'5Q4IY<ML+D;>N^@
M?18R4$*ZT].$'YB"=MB"JF3'OS)S.LZMIS"*\5.7^V&14+D?8"8YQ1&09GN]
M8C2E2NN)>0\+<;&K>B7!I-VR6G46;%:)?^MHT^8+SP?6@KHK*;5Z[G*O$B`N
MV,WV#*DC/7F)&(/?DK0_)(K>::89C1HB!+B<UOU'E4Z@:;3ZKK)^OF-`SZJT
M:!;Q`=(PE5W:J4O)5DO%2,-0ISO":[NXS(;CS(,I#+:NQY3#SB7F@NJR"YIZ
M-$LW=DQ8NLP"5>L=\HFH7@.]G<E4J==<[VZ=L5?[4CQ/03)6O5M34IL9(B$U
MGY2UQTSD2VY+LGYP<B'N>B\06FO2R&X55M><,YMG04Y/SMH>7"Y%2I]B>$9>
M:F1-*'B34[3X>@OB+:X4AR!=C%/L(9$PYC;$W@MQ:[WJZ08Q'/L)F;6U_(*[
M9K>;`ER0&:1C*JID/>:S,H-6K!V_D;2BKT>D:)T<'7+/%I(]N'$5(=DMIZRL
M2O-30P/0RNC]DJ^M]M[)C]))I72%7.@#_P"J?CYW6LB&4V6%:K.@U<;#L(6Q
M9*R3:D%81R"CLE#:(2'(C4CH7<4-CIGHU6-*N[=Q+65J5'E7N[V6P5DH(L7Z
MDQ7;_`Q)DP$2NHW^D256`81P@3*&D2"B<".M:^/C)/V,J;!2HCG?*?1O4RTO
M^6W:S_Z_L6;F*"/Q9)JE4TI(E",L"83$JYK2*_1-*-ABZ'W\B<CR&XIV)(F)
ME]DMI$]9C1FA7)'5F'>GPG$R%3)0KM-/OULO;#\KLBO#Q?[8M=,XS.B&7?I"
MEK;'Q&Y6=]F1F$)4EAF6F)SO41D.+$<JG.4[T7L%?M6(E2V@,VP;2;]24'[.
MQ6JWGX8'AV:3M;T2)1[9`EVHS)MI*\:7?1S4F5"9CL*9%QEN,,=;?<EBW53+
M8W/TA3L&B6#0E:1#J8V=.`6+^%Q:]<VJF?LXBHS<_)6K4TU_7JE,M!AW.RDL
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MQRH[0>V7&SR8HF3:[Q?;*K]ARW+9^<B4)2$N,_,M;O5]0D6\Z\PG);%E`V^=
MMMW&WVRZ%?NWLP7"TEB@!XKK=&H]#B#!U>:/VAU#+(VBL.K=>FO..//+_P#E
M1Q">#+=2]/!!X`\`K'8<Y%;'F]SRXD7EA.6D+\#)<7^*Z6KY%B4U/`6*'$F(
M=BR'@QT>S);;?0IAY;'V+YU/5<\%3HZG'UA]';9;+,0OU@W&`Y?+F=A2=.*#
M<I;A`CE5$'L'-!*O2P$F_DI-)=A)P."TY.ESSCCRBL]SC:%=B\BBW)>A8%\]
M0N6G-LFSX%H?\:5FV2V?#")>538-@:LF;7RF`:5=6H8=1D5'KELE0ZU%>'$.
M.3(\!SY$.PY;+BF_`4N:G,=J_KOL).;5ZD[>Y=@K3T:Q`V;B/`C:@[FE1!S-
M9O5#A&(<*X]/Z):)NB:JVT_-A*$I<$C'?O5%F/JE2!;R[:WZ;D*7'GURI:K5
M*^'-7K*-A*UIG.BY'O\`MK.+)3SA`V,)G=9*VS^'7<=2>)F"R4XK/:(R'YS9
M/Z*7&4H2ZI7Q#^M6J$6([D#4)DK]1#S.'7!Q8$3<JT"73LP.X_IRB,2BWR@6
M:?%V,&08?+1HQJ!\!$8PKJWFOG8=E"WG1&B>LJK)9ZK:Z)?1]!M5!K]$%TF#
M,IS-PJ@EBFBM:JJGB%6>L@.:4@SZSKT^*PWR='5$DQ8[WRN\2XRY2)_4Q:;Z
MDPLZPGN*4R\RH_X&BT71Z_9SE>C%7(9+/KO1+L%@&!`\H"29AR9-#8CRNM28
M3BV7U_'UKJ4?0+N:E.$OZYJL0G9S.?O/"S5$IM4SR<"L%=-]K5IJ`9!GAZ*2
M'4S0:--Z0./D([K/7Y<L=&5'7R1"FI>ZEL+BYKWZO&[7JI#0`VH,U\"5L]*T
MJ=49M%8/R?\`:>:U`M4Z.>B63^2B51ZK'^8;+(B%0W'YKPM*6IT5N0^E0)\$
MGH^$V>H[;?=E>OU=<[HC%;%66K5O-N56";$U&+<$`2UBF)N1CIS26G[-%C/G
M^L-=>"B(H_\`%2E"7D"5XH5QE/ILK+TWP7%TV6[5KSE3F<SJ^%KD@"R1-OP6
MQ2M0M34BV'01J_0`D=H9$F0!P=:Q;34>>J?^-#7&%<JGXSCTXE5*R.&+9I_+
M:,[5-!#LB@])14)K=AUP!G(/1CKQY=ILLN2*E*SIIX0.ZWQ8SLMQ#TJ:EF)\
M`.7T(+5/0%T4X2F6C7TV,C,K57IT9T7FHJL08M<IKOK<D(P]`38S*II!^%ZX
MQ437E/);?=*.]:9CLQX\=(MWV,BE_P!>E2I.@4:]LW1ZSKJE@*SIHNVB#KS$
MRO";T,MF+!1"*S>ZJ+AD<4"5L.%'2R\,_&DQ1;+_`&&S*YQW@EW%#^W_`-'2
M]YLFG6"N[7!I4/09E]@*K(3/)!:LU\;IE9L56TXI$%EM'EQXVK6[A:*_-,0^
M#Q;LH:A]\*[+?E27@4J'Z5Z2VL?*)]K>_=IR"9/070E5KM.L0RIU>JW6V8Q=
MBU,J`^/KC5KKM?-'<E4H^T-,1&9;5C(H'-AOO94V%R^AA4W^O`-4P'1"M4*S
M9:P0$,HK'J8V$['6%,>O!I4L>U**EEL<DR?7R-]&WG9'V_L.J6IU4=/7!;C0
M!OZ[K%`GDYQ;V#E6)VX-OAM(F%L]EDSMNK,M.%)GKC6*P:0>*@KR47AD=Z05
M^^5!1(*2%1AD9#$)N.)=]BQ\C]#JCEQ?09;UJ>L\&_T$O2W94H?88-NK[ELI
MF>4N[OU\GV]3Z4,#6*+FHZ5R*S6VY[4EIOCA"0RRTRD'*I4SG];7QU6LU>1M
MRX%>!1X+UEC1:Q<UPK$7KPL>`$79Z/9]ILD"-;Y%2"#Q925-;)1.P!D5H5&#
M(2ZEX6[GQR6M:/1FO'IL26]I!`:KEN'V-MM%?&?^1)A!?6P2R.3U4]KJ^*C>
MMD97.\YU24DG$\Y]([?W"7%%Z5Z+W4$2J$7)R4NR_P`HCXY0=`(G:U17*>!S
MK*7_`%JCR)4J&5NP<[",%(>%N26EC!AWCW9:H;C$;XXL]H527J798_3&R$O7
M1&#\WTB`%HM-JG?)#`6./2!]%M%9L=1$Y*'JZM319XM#I/+!'FA($NS3H<>>
M/C-+8=&(;&H$NYK0_AGT65UFJ3JCJO:]:Z5'TF,",%Z`.LP?J=5.:Y-L[I.M
MHL`-,]]L-L1"-$[R4VEN5'9D.I>;4_%="X\-C],R-HI3%?KFA-H8:Q#,\J+5
MPC617Y]^(X%*LURR5P):'2\5FANS+@;>4:3V&3;F#_HTUR+U"GU"J7/\RH6_
M0/1K1;)4?0M%"/5+1LRI(S:RM;HH\"3-&:(7RM%:JE`91;R<C/NP`630/S"O
M5%VIKSSZF&(:DQ/Q0N_M+.&>@TV.S<"Q38T3[Y:<\AY\U81^;0`@`9%K:<19
MI9#^)Q[5(=D.P(^(0^%6VR,=)1<UWC/8+3,5ED+C#<]"6"9BRV$_M+<\5+!:
M76*U&@40:.16P^AQ?9>*362*R+24_>F!I'V4G_20E$%I3`MACK*5NR'EP7?;
M]<&XA>B9$&=;,5C7T`6V2$$_*B,46:M-RL@3V,&^PU4EZ6RUH,4-;(%*FQ)(
M@3^+!%EHT(E)XHBZTI$9%)<7+ZW^MY+UPY8`0;0F[-0K#P4:D`BE0;AV.+>H
M58JM-G&XMLAV'L95;(@:A%ZD4\,=?C2E+4B=\'QQFQ&Z_P`3J?P0>`/`'@#P
M!X`\`>`4Q[#Q+A.Q318E`.V>M7!X`I(,U3`';19HDCDN*IU`H(T1$3);LR)Q
MQA:HLJ/.8:=4[%<1(0TK@JI7GP?,E=*]TG(^DGJC$WFB6@K6"]_<J!W2(EZK
M;5J-9WZG5^+4JN:(E&'C!"M"6=(;A,,/#(ZK!'8DO]X[V*]T:K'[?JIED@WN
M95JJ_<B&AZ_/'-2@->,R2DZK41,3$WL^%&;,4%5VU&9CH38HQE#PF"6)DW"+
MQ9"5+6UR0OO(7VME4U"@[IM"0VE5JQ>T!5E^?=[3GUR(WX1Q,`90Q/OYGM#B
MH<CD'Z_`ML]9ZD19CT1GO3$*:AQ^1(:7+5X#:7''ZH6O"IOOS:'[NJUWK6@1
M)ZP7$BZ!I\4+7!+"AN>[L4RB54[E)/F!\NODRCU,AE!(^$/1^TB([/ZY\L_Y
MJ/;_`",^UUGW9$C+U=`9N[58B/5<E"PC9O.*W061)Z3[5G[':9,"7R.!19/O
M<I;L0B2=^R-+_%6YU*'":G!/;X_7H>\`GONI^L8XMBYG5#YP?[`>QPBKVFSS
M:07TP#1!M4VVE4Z6U8R22(Q<X38GQ\.)-0[)F]YU#<QQWZS.*#A2Y^A!=)B>
MUV;'@5.7<O:`\%OUYT<34.5NTT\M=R):LH]SWLQ@Q2A/\1R-644>JYX4*?(M
M/)BFVI!#KO72O'!5;YX_5"Q*?3/=6VW`=7]"L&V`($L\<5M1@':*U7ZC-,,1
M];D4)&(DX'7SH/-GPO\`'VC'(R8LE4O\)+BOR^$U^".VG!!<[J_N?+FY/0$P
M_8NC4@?E^(4:^'#-MBD3<M@0<]=';G9OY09LQ506W2(J[X-E<'P7"?8$-<QP
M@I4D6VU`[?M4N2ET_P!F*[G/L(]/?W.9IEC$X,0C39=G%EI$FM"`]=JVG,Y0
MW+(JK0#5)%;KY=QQ+;,3YR\B%*YWJWDKX#:KZ4*2I69^T==7`%`:YNPZH6>^
MW5IBODRH"NW`I7=#O>O3>WO3=3JYG]D,LE``V>*:1#(JG12TB0N-]&2*([K=
M+5?8\YV0^R4RAY\X3$^QUB!AR&4)GB"!NJ$-7J=9H<3T_+F9%2*&2'[>%:Y-
MN!7B8[*Y/=G$'HG/HXI*!Z>!55]"16(?[E6G.)^:V,'[&K5,B&[DS9J^:J@"
MPISL70QW\%IA"V`+&/*_[@EGP_?VD*,GG'R2W5.2/ADH^X/;7T/.PU[WB1VS
MC:0SLX`E-F:0NFR!4G/QM+@929E;#(1)*0Y"EM<WN1<R-?FPI,B.[(5#ZRM:
MU(_:I4'M]2X=CC>VE=]?AM6H`O5;'?1^L[7$`V\=889.ZPZG7;#H<G!W[(Q_
M(*XS;Q5I'-!HLB23F\BL-*0^58E?5UI8BM;Y.=*^?]P;[H.B5.@7_3Y=VI8(
MS8[=&>MV>DLUA:[*">WC&>BP,B$_-[`R\G;*]2FW1+SD576HD=,MIOJR?S"^
MU+G]>#/9JG]@K[49B#I.RQQ;^6W.12%O4F/#LC9\@G6XIFFW>98KZ=CB[:#E
M2JO*KI\PR33(1$0W%XE+D[CD%8_8DEZSSWGKJ'1-+T/;5U8E>K*V9LQ*2-T6
MVUT"*T+V.`9,1K(>`9JY<F+17&,_G&H_9/>DHW$.$$O)<*\72)Q]3),YG[>O
M%:^5LEO]B%M1;\;M[YBI%P).15SI7ON51@$L11(A0:..44($+9W-77I2WX+C
M?&77_O?_`#GO!:Q^WZH61:H'ND8PG`DYVW=Z=?9\:XU#1FR1X>8.BH@0DF]T
MW3S;EUE$234B]1,M2`4,??F3A+=_['D*6N$N4T(K:NO@I&YXM[-Z:V++WL+L
MPTU?'6Y\\54+'7!8JHD[=/\`4S0I$"U11,[@DH_E3-;M0007F-D'(LH(RAE?
M4.1NN3FI4TO%/U4MW1Z'[7]A^L!^N0;:=,9=</8P=HI!TG6W]((9/*M$H/FC
M(PZ2>3`EV(X$%`99!]2.$"02,19;>C%)+#R:1-<_R(=Z_E/<`1I6`T#5=!NA
M*5I"K9:M3!6$2)#&,_CXX`J4\ZD3V0=LQ"RTG3=2N#T'I&*XR.9A_#$@M,QD
M1_N!VT;16,ZU^Z%KJ.HF,MC^P=HBEKAJP6%8I!@!S]%?Z9JOL`/HLC+00P]6
M72F<NBP5;"3V9<N(,96N-)(-RE-%4.B^WBM"VY61^T<_0ZQ8"MI]C(Y&^RC0
M:TD`5^@0ZS3ZC_[O@9`B/C!H<EH)5%/^O7$H&3(L-1+\-,CB'T3N?=T2J^WZ
M1'L_JG]@1JTB(ND735`D%^;AH\^/"PP<>-,SUM['G+471>&3LD*$NL&>,MC-
M@8A"VR<^.2<6E_C+(U2`=OH75GA[;;1ZZ[%DIVM:08V6FHAR1]KT$+%;=U(/
M:;,0Z)LS8&RS3(&JE97\<(_EUI$B3"$L)C.QNHB3(;2`XK7T*]'U3VV%DZC!
MOLWV)M&>'AX8_>4UJR5>1:X.KG47>'&$NKA/"YL/%1+<$?PJ+'JZRT^_#=7Q
MV,LCWP'2G%*FD&,>W@*LYUF3E.W8-3Z")&1M&GT%=,AD)M"=1@#-<J^6%F3G
M"DJS5UF$?9F\90R]&'MD6VW52'(?5A[?)%,KRWW8I=$`(#MWRC$:+3LB[6*Y
M/*9\.K1:R+A>N]0NCNK,A/DCVGE?JD*S?E.N/K9:^!YZ-]ZVH'6YR5N+_7\2
MQ<,,;3KN/WL"!O>Y2E0/9W":L5L96XTR5?!%'5GF#'MUB@KG6I!(6FN+/&#R
M_DB2'9<=$EY,%3+28:6A&DGS]"!UX9_9(RU83Y@[H+MO$UJ@115$2(K:Z[:Q
M=BK><4J695;7[)VJC+KGQ4W:+`6AL#X\DA+B)ZMQR,R.:72^P^A_JB.W&!G)
M)'L`0*3KM&MA&M0G"KXAY\A6\\'B<W'75/`G.06>:Y-J,JY?%_Q<8Y8>-*;9
MZW\+8S*E>/!TYX,GQ+KFN>Z-F-78%6;;L1*V47+EW.[U@IE>>08H/92E'TM]
MN@523(I,7MCSGME%PWJ^ZF4_^U<ALM<*2(TA_JX<E(_[22%-.]_@'42Z*&U7
M0J5&GV*S56;=<J`!+Y9Z8)L1K)@]4N@557JLX)9"Y+2PUU:4Z/&370E(D]<:
M;3)D-.B4CZF]SFF>QM.U*==9%O\`8&VR:G;(].MCUNI@"5$T"FS_`&EUV023
M%<Y0QTPI6:]CYZ"8"_H7V6H2YJ6>NNH8Y#9H;5*<?I'97M0NWD_7R7H69U&T
MVB_9]/H>T4JAP(<T=;;+.I5@#V>=2.AGEPY:"]FK3<T4N$]]BN/2NH7SBN?3
MP97GGP?,,=F7N9B$SE.SA=V#C,ZL,7)0^H$0=HT-@^.NX2Y>PDRY(%"Z/J]@
M-T?NNW@563#K`R.M*`"H?2(V/U<I(W6+\G:_M9>/<"C:*+D876[#<J/'IX^]
ME!8:JA#3<\G729F@V#-F9DF)^?&)VQ_4J]:8O?EXZF+2"*$+2VZ\VL9BH^I!
ML2S78!?L=7;%=ZN:>9%D[U`,77E8A`!!I<8][%0X=E=8%1((UIVTQRX^<IQ#
M2>R%DD.J^JG>]Z*VJ<%`$"_N]4.V6JY"YK=>J4G6=>F6@Y;\@ER6,[+6#6?8
M<[G;F8Q*WCU]L^BYI9T_QJ8==CCC:D1)+*53Q?YDQ<6%]OJ=(^VS/LR%T.O6
MO%HI@=((YU5ZC=+_`%RJ&[-ROH_8Z$7:6,`"<_U8\1C?SA`/A"/&`SY21$AW
MG5Q4*<FQZ2-*<E=';=_8:JU``/9I4"#`:9)SHK=V<WDD@USG#GF+O6+\L+5,
MUT&QLY3<*U>&*]/5\8AF*4K+W'RHU2UNO![2/%=(]Z0[U(@)C[DX_(S<;/T\
MU-SZM$T1TV@6[:;2<I$`)D4*IB[KFZUNA1`F6:(E2,Z*TVL-(;?;DRA?;]C^
M9_;?:>]P#=YHEFU*2'CM:Y.$7%64YX*M6K/9-H%]K67U30FGZ$AQ*GQXYJ/,
MB0XPR<]W[^<5%<<<YR$X\,N?&]7]B;`(]KPW[>ZV/8:1BU9LU;IEUI-9`!ZM
MN-DD^P++M8SZ7$"U[ERSIYVG@$"Y4R61CR64_)R>Y\SRDT-*J^A"%ZS[<B8A
ML36A^_VH0=-5R%C5LN>'1X5RFA!]H$O:"2U,?$HU='4A]B)-G1!O2@X2HB.C
M,.QFGGNN/+@HOL69[`P/9,)DOKR9HUTVXGIE?JFDN6B76:W7BDFSZ,3]<-!D
M4E6FTX12WJ^H0SK#4%MEKD2"+BS7&4/*3]6U<"-*NM*%9Z/I?M_79EAJ5?;W
M`QS-RV@3YI:+CZYDO6:_#T'+7,LIU5OU=RVQ5>+;;K19!M+A:.)>$C'N.-E>
MCOJF3$H2CY*[=/>_E;*6$-1S.MR809&]G!"=&H,NUD[.4DZI[#S%5N`3A9+(
MJJI-9H**+-I#DZQ!PTQ3CD)C]NEQV+$%]OJ737:[>XWJ1?0$,-M-AM.@^T%A
M?J+]RHQ6M:(;"6+V&@FAELN@@/7:Y_#:\[6HKDF21FP1+30]*7)+;3SG6U"?
MWOY%5PX_N%<K$"NDF=N$0[F^=VRQ]EF<SJ0)U.WD0`R3>\:KT2;268]DPYPT
M(&-B2#")$LDCLEN*:?XE:VQ?:=$U&/[*&LC]DPVD2K_92MGP8H;I<0Q6Z\#G
MC+[9B/L%7I]$I_\`%@0!]V,,K-<J3L=B4J7.0\0X^J0KLKG$B<55/J<ZSGO<
MW*SSK`X;>K&;LENPF=VVTK-S$&F3059I&55ZPT,]4Y<'9B+2YD8N;=DE%EZT
M.9=%/_+-1+_$8>%]K)G&L'NM7N5>%8#VVG8Y2FC;:R8A9A2YTU_>"](%3:]D
MEQ9K=`^RK88[9XY!LK/Y&9D#9*6&I9B,P]Q71/;]BN#YSVVO%*T:FV!?L89I
M-AQ_41N7O',6@!#^B;"4R2J-SJ%ML0!FC9JCYD/NIDVP#(1X89@AQMU'[&2F
M,-7,%5J=>#HG1UZY9/7S!#%X;W,5I%=W081ULCFV;"K#?*9,'P=$%62=0ZJ.
MJ]P'&LYA$YC4,(09'F)$H`_&DN*=E+==X(J)OZ4*61HOO\-&9M-.AM5D7NQZ
M"(EV,4.HP"5GX2LPBF25>PU!T=7<P/2FFIX2P6(]PH5L8F,TY#=1$DS'&8\-
M$Y%(_P`B&6Y'NK8:Y5Z!HTC>+2#G2<0L+9`7E5/DD+3?Y)#U7N-WJFB/UNB1
M8-2SBI2R=T6S)0D4IAR$_&7.>?A1&'1?;Z4.EO9J]^V#6U.5/$Q>H@JWRG.B
MW+`*IXVWU:9(,U>SE6;F"=G9J2KPL]5K1`@CU,$[$](D+=Y]`W8B^RW!E)4J
M_)%`;7LD4]C<@`Z0_LYVJY[M5E55)SN=`.4BP9T*JWM)4H^D:==P=/'1!EX<
M<57(T9IB4-:F1ID62T/=3,DO-4O%*KZ&'M6G>V8%&M,4X7[`3=#;T^T-4^"!
MS:)/R.O42MA[$8R#E>(BL<O,Z_?[50Q$8/<>+1TC2RULSIH:*EA,@$EZTH5#
M.WCW1)TJ[F<[3NMW7-+VK]'8DY8)A#*MHE1N.],":56!H3';'-T'+K*`JE7@
MJF_3D%N>\A<VP0E29C21:1KS0T0VI^S)&O$,Z31M6-4B+=M6+E1EURT:(72[
M39+'[4RHD#*3G*\-*%:28KLJN.J)M2R*OOGL,]F)7-F1$!Q^OY$I-P?;FI.F
MB](K^HSK.RH.9%A2%`&NTS-ZP0HI$+;2&1JA9R98`V]UU@BZZ.B-EILF=^-U
M8Z2F6TU*A/:=A>K-E]B']",U[92MOO(A_+:F?%7%W/K%FU-KQ-I<"$NJ31UR
MRC/#%GOUACS'"LLG$>XTUUMZ'+#!%L143*25/0[T\&1X`\`>`/`'@#P!X!1'
MLU=K1G^%:)8*(Y$:T&4*A5'.%SI,.'$YI.A&AE`SO\B21C38++7;I9H/.]=8
M?1_\6G/_`)%"I5?/@XUD_P!BLR*^."C,J&W*R<)Z5G9(=6[S8WQCFOT8\3KM
M?KPJ[3LH'4LG6[W)4`>:F(EI+0X]J@/."NM_Y<&K3?(]TRMKK]U03RG/5BZH
M9(Y;981:^VJSP;QJ4PG9HU?J^<5VL8Q9[+=J@8JX!LW*(RAD!3,"8KB8SR8D
MMUH2TP*O[XEI@>M2NXR`SVMSF/6YUGMGNQN!#JV?[U4WR5;TLDT"R\E"BYF_
M;82J6)?CJ6_RQM_:68"Q.=?2+:;;G]@"",RN0P.:CU_LZ34;F<?,7@IQ8%V[
MAJ,0K-.AAZAGETL=ENILIL5('18$2'\KS]A4I/.\B\3(A+2%Q?[$YYVNAC$K
M"1I*JV:3$SUQI6B*;F&M,L@DU-#`8(.PY^+81GLUEZMHG%RSP^3$;M\3JQRO
MQWTJI;?N7S@/L5:+UJ5GQ=>%\J%:S"&?K1F^5!ZU3<P@WJF]I2252K)4QF5&
MKY4.^FXN1X3D63^P3)!S^2!T=C\9]\1KBI2=I_L.<AG[Z&K.45FXR:.&N>CU
M:PS;^>J%5M68T<)J$BPF`Y^T91&>[;)$G-9L"*U!CS@<GYW7$EU,PY*O!;?J
M:^Q_V4&JQ^Y(RO72SG*]6ZGH-_L4VG&++9Y`2CUBW;51:R=+28.:<JP=PW8<
M,GJ)1YQ2*X-BDX78O2;Z9+#(6?<V4OWWUV,W]'O6.&&D#()!5@BW72[31B'9
MXZJ^Q&@_F``%BQ6-97:L8HWKI,DP)12&)F/23<)M<1MEJ3(2%J^I@.?V/6>=
M%L1BO>N1IVK#S.F?H;1;;-8Z2(L-9QP)LIC0/PYI/,)$`E=8W,9=3&@"GR@S
MB#4/LDG'=:E,MA;]RY\8]JK]=="K]*T*@5.JA[K;-[`T:[!K):B(NS2\JTO1
MZT)H\%B12$#F-&CT7/G3A>+.(P$.Q%J>&)F)CSFH(CCQ5&G!^WUB3L!G.'*5
M^\K(W8(.?F[@3N`P>:"/WC0M+H5,@UNHB*0U%."!\_-G'9;LXG&EM19:?HN6
MZVI*@HJ%+>R7MQN.8Z![6Y]52]:CD$TFE1?6-\A7(TY030`U&3?]I=/-=D(Y
M:&`^>&6['$CO?&E#(>8CO5([_P`15%-)DHL7ONK_`&(Z'@QPHFITJQDICED1
M/M<NM:97WZ-[&`!81Q^3EJ+!#(Q=@R1F*IVM1+&Q(D]Y&BORG$.LN!;P>3?]
MC9J2(FLQ,%(*N@`88M=S#.VHU^NIV95>\]RVV:J5CQ,[F7U^MUS0A9F-)'L`
M'#;<,0^^J*E:7&6@M^Y-<@]MZT6U&G9M5ZL#*#=0T;719NX@)#K;XFQ##&X&
M:?,+_H<U#T,L-M]$QEUX<ZLVJQ/PW&'I$9Y"'9C@CCQ4V-_]VBM=V(ACM*SH
M!>"4RPBZ94;#)NEIJ]<>MS=KSRJ7,3:BTS*YPZ,[3I&D1'GD`'K&OG&5,2/Q
M)#J&^`H\5-+A_M[;_839\K:#5R!2<JLN=ZW,?@2+5!-6XU<ZH&]=3:U$0*JO
M"4(!5[_:DF/!F1B+_""/H_(CL(D1$^`XT7W*?(>]6CT5I!RX1_Y3'R-1/&-5
MKU3'0X:K;['!!6GSBS3SC0*S&Q@!(*KULRB,(95):C6EISB)2&DQ7H6U$G<]
M]ML&/6F6<]>ZT.BBX,&;"JYN]W*EW(8R!R78]6OLH]"LF5IF_$5'9'U-99<'
MCY4ADI&=(-0OH\AJBU?4S+3_`&/38)BYB:/D@6]M@8Y>RUXRK0[!4P5EH]7I
MWL#:+1):(F\H^UZS0"/KP2$MM#4DPCD^:GG[7B8LA7@*/U.YL4U&=J59+SCH
M$;5K36+M>*+8P(FPKLXQHE2;03K;I`29D!JY.G"B?Z_CK:WH$5:%*4WU/?L^
M]0RU0X%]AO;70,/W&U0WWJLJLY63A:+?G9]>@)-R/7/0*)6,YS@%"-)=:E1)
M4OVH,SY/9/\`RZ]""N1^I_RI?!I)-%\^J'LK:]0%W45H&;EJ;#RD?)&&M1E"
M30&GW&WTNS7&AZPXTP1J@$",F0;C1IA+X1$\[$;&D6/GD,RDO1TB-?0Y_C?V
M`W`J9FV@;0FUU2HACJ;:/;(6U%4AU.6]@5P%;T0)$\F&ZA%IE9SK4E.S$-UM
M2.MN_F=^H]/9K,+:=289[71==(7#]Q6!E.KHNBQ=8JUA9N"+$S/S:7<M&I+9
M"YMI!"8],L;4S-94QV"T^38;BR.(Y)4]'DH12-4_B<LG/?N_WK/]L'YO0`%;
MNF?8[KNE/6@I<K`.A,5H%FU/M]`M-`"73(@QVV%2R]&&O.QBHL2/C,-H>5(?
M9FQ..BV_V&RM']@5UJ%QD5%S%SURT7A!ZEJS:A&"UOK[M@J,_="=H(UDR`R2
M5>B)`]6LP8:A(GCHHU,J0VF0J`PQ+G.A97UX-O-_L=E=M(6IUWU]O%K+,3#P
M[0AE>DFK`6IYC/;%5:]KU;C1JS23L.4=SYN_A""EDY`49*AOO<5,CO)81("W
M[EBXG[(:CH=3]B=$F4*'9)-8K5!NN79%2;B+L<PN)M^(5[2P=9_DKU;KR8UI
MLSQM#3[+S,MEA]?%1G9$=QKJA&EPBGPGO'8*J(LI4/D>3$,K!#"5A#KSNZV:
MMR8`ZL8A,U[1V9M?M&4UQU!I%L8=$,1I$40_'>4\Z21&7'=2H6W[\DF.?V`6
M6GSK]'MF+A.0L85P=K9"KZH\=ZT>(.Z$V!C9S%F9Z%Y;!DAND-+G2"+H1Z`Y
M+<9^!YR(OY0M7U.O\)U6QZF)O'\OJE>J-EH&@SZ`7@U.[JT&NSGXE:JMG:*"
M[`[6JC*ZT_$M;;:V'H+;C3K*O\JYU/?!EJA>7?\`[GU_^US_`-?_`+7^?ISP
M0^>'KW[3YE+?J]>$^NI3$Y6DVM;=J77(.9N5,+?;81O\>F(M9"G&8T\R?OX?
M,I,I4Q@=*3#5(ALRWD*>YU`TT_J63=/<RKTN_&\^?R[53!&'=Q68UHH)C45(
M>]Z*4;RZ5VL5YXI>ALN"F`-UL=)>GE61T#XXD]*'5N1DH>"W^!'Q_OQE\F5%
MC3Z5I@;MBK4*X9V[,&U>2C2*[82TX)0Y%:2+MD]R(3T(@%(_K!Y),&=\,%;L
MAIA*VOO"UE.R?[(0@KF?'R-5-RJ`6JDR$:N?ZZJ5(/;M>E_Z.CA:54>6337O
MXE'A3M>XF?+.OMC&TQI'QD'>1%+>%L_M.B[W[<U.J9IC.PP0UK*U36A?#HJL
MQJS%<O!*,0I<FQA@C+9*VU\/7CRIJV&G5279<7O>+;^Y"5<DH$4>:$*F>_U!
M$K(_NLMUT;%"*F`3L[D*ASXT#38J]'C-95&Y`OLB07LDXEE)>*U-C-N`_F5$
MZJ<EN5QQ`6_=&9SWUS-MD]`)5"[@+K6"Y`"=I-CFYX"DCR0AFXL%7W+01O3%
M(6"AV*EO">3TDNLOSYL)MGCG92.>!:R(U_\`L`!V(W7"+E!L]5R\Z7I<$=;#
M"*P5D&AUXHM/M*C4UD7=V7*$-H$VX-)+O2HY)J1#9<>C*^WG5<%M_M+4PKW5
MRSV#T4SF])$7"(3#UJ1953SL:O,1768"::\1A2!XVQE#X20B)H`EZ*LC#B,$
MD.2?Q''OPY'V".+2JR#*]_\`/Y8Z3,'T706D02)0?9I<MJFJ[FL;E[@9;7#.
MC@FKE_(@2SU\)ML]#IC.G8,)EZ5,B1VDM]<"TC\[W'KUGRS+A)W'IVKV'525
M/H=UISC%1'4]Q\G;,'HU])J8N)B3!)`1Q;=X#T*`[QQV:TPZA?6OL^3H4Y/'
M/O>G-A]-H06MY-=IL$I%I5'HB:#4J/2Z79M"+MYFS)SRGUPMHO':>Q6V-1'O
M.N$761;4>)/0S,?7$YQX'%U+>]9]HQK0C%Y`9-E:<QEL#ZU?[7!?"9_3"MD-
M788U/DE7:]7C+QJP<B/]Z/D6);#@F83BRHL:;(7$>^T&FO)',<]W@^G2LZ%G
MLGOE!)7N9#`S9LLE2[#6*I<SPNZV>GU`D7#6-9.?/LU,H[Y%,B(/=A0^RXD>
M0ZV^]U*`<:$\,^V%2"62SBI-*OCU<K-HME$_G<9FK*`&KS1,JMFPW"NAQ[EH
M:M2^!*Q3Y,;LU\>Q">*=_';<4E*G>"4*;F_V%U%N</D#<JOI&J<)Z.*LA19>
M@PK57I=&K88P%:>SUZUJL:'=%)G8T0(B;R`J5&DQR//J/?;D>#5AEDO[!*L/
MG31*,-V\@7K[A85=(4)&5)34+97Q^QG3=4FRYVH0HQ6;"JV#6(FF4/5*@/Q_
MP4-O*?G(:0):_L8T#^R+&CIJP!*E2M5NSX(Q98#:ZB(JAE9873`VJ%[2:ACF
MKB@Q'?'+QLS'8#R8S!^>X[`7&@N,34.I"UEN7+VEKE9Q&@[TB(^_5+7R06D"
M@7:U?RDP-`HMTNDP6"+U:[MU!XR\Q4E-LRFB$Z)\W_94GZKZZR"CS0W['L@)
M5EYK0YM"O`TR$T*'DTC-)2J@[<'M',70+0J]6XY&#:I=&4@T=LD#J9O2_(,>
M/(ZY(=:^)WB!*<T.<;Q_8'!Y1-'E9IC^HFM`K%=NS`H22AT)N%&OM)SZQ72X
MABK;NC05RXV:K#M,%E1W/BGR93+(MV9]ZG&Q5'GGP2[*_?O,=;O8;-:;6+O8
M;`5MS]209&MT[^,?`(B7WMBMTR0Y<ND0H<:1S(JSP=+CMGW&W(+Z8'8\QMW@
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ME.E8)1+;L0FE$N&MM7%(6OZ(Z%O*7U*B<_L3"YZ+MO\`NG/+:!.P]&U"NT6)
M`E9W%B7@'1]#O=;E1AD\CHR!T(W4`].6B?TD^/;*S4=X+3)^9I'1;:^#I/$O
M9`;LM@M5="5RS2FZR,FV1ZUO!1M:KZAI+1-!IM1K"!Y.VD;0];5Q,]F/3'%P
MXT-*4(<7^,X^F(V,M4*+F_V88%$%SR"1%^5(B2Z".CP)L&K!$S9VB5T(2%)4
M7-6R`"%00EKL$>L&9<Z3&BBS_'675_"TI_P6QFL=]]*!)9I]:R&GRF2EE&YE
M>0X:5_!V&)-<NE[S:!<ZU/#@;@]/H]Y;C:A'5'678BPI<AUR4TY(C)2Z\+:_
M4G_KI[=&]@M::Y<<IL^?JM<0&:I,N1-J181$Y*PC$]9.4HL1"6DB2(6`9W4'
M7VR#8]@6_%XAGCG)33C?1'&B/Y;_`'PS^K7JZYO"H5\NENIQ14']?3"N6EHY
M:%!K.D6JPE$DGM&ACP*JT/RDLF6/*.0BW'NQFTQ5+>4EH+72I)LB]H%[7KZ0
M%2JIF%DTG.+?9JY>#D42QR\F:CI`_/R[U?8A6*<9&"PY1N;'=:*CH#\A7&GV
M/O85]W0<:+[G7_@R/`'@#P!X`\`>`/`*[U=K+EY[9W]G@U`AF8Z"DM:F+X-&
MF*NF(*D,D(\D@.+1I<.4]%GQVG(R?B6[^4EOXN==^SP%6O'DY9B:Q_7J'G,W
M@;,]?8)@.!K$1D^,I@%L^&!"#LT95Q"7H->_;BFZ\:S&5UF#]&W!W*R^]UMI
ML6ZN.-4EXY/[H=S_`*^8E<MEONT#UXL@VIYS#-'DHI=0N)1W.AUYLX0+'A!X
M08F1-AO]CU(K%@18[3S:BL1_C2?OXOO@>[QR>>%'?3/;+;;(=&RO(X=ZS^ZO
MF6XKN>5N#8WE`H0:&%T0;^178,R,ZV-.0DI^WOY@ODF.A_C*WFN*!W(W6<3/
M2JUR)>,UNCX*-/V`<3FG<I%U6@RV)D)N6*)/((M`!TBM$94N.`&DN1?E<D\8
MAL/=;YR+Q30>[R2J*:]-Y1,UBL2)AJI8AWE#*YZBL59H=]YL2/KTNJ,">B4"
M";71%6AC)\2/QY$5$&/#DI;ZVRUP/=YY,W/KIZE!A6EZ9F4W'P06E5X%W5;Y
M4Q0((.#UL%38=B`MVFRCX$2.X/`T1^-):;<>7R$.6SWO$-];YX([O4YBUJ/_
M`%YZE33825;\QI@BU3D7V^MT2BY\S:;DJ18[7G:_Y&R:S2R6@?99]HGFX#$B
M"W`M#<K\[L60WWDI7@TKJDVKF\>F=PO%@AF0^)B8^=7&?F&<7,T/`O\`\C_G
M%!J5]OI&NRY5:9@!*,=1JT*&^020=@&II#[75\7+CIDB4E3U)P$T/T]A@P(.
M@!<FDB'H-->@@AE7KM9$B:C?[25S`.7D?NA0<2,@$_YR8;A1'%-RB\&=,Y":
MD-RU_*%)&*$UCT,)%8D@&4P=\UL%A)B_DC5D$@G=#K\(+4B#QG[@J)3[1@7I
M8V"F;.^V,0B6.(AMUUHBS\X4E]^"09\?]9K-L\)_,*'GDZ\2@VJ&RFBA*@$#
MV0$7KY7,(%G#DY$@/`L[!&W0]*@3^/\`?HU/A\X]]SK;[:U/L'6GV/0_N'IW
M39%C,V2RY56YX>Z,P;-.*`(@TG'MH;M@L\<X06^&:GO1A3G2LY!SOW06'.RW
M>2DJ^;O@4D>-CW?TQ=+3NVFWX[,-.VTI4)[I<6+GSY-DY7I=2.\=D2!;[LL>
MS57)8N:2^Y8]N`U*C//\:9D(0)21C`RGH_93N@!@8C!2!PO8VP.A,MTJKH<M
M=CL9XKG?8Y&6^#:8N;I*R6">&?>;<F-]F3)4=U?'''T]%]WW*/8,>EXC:MMS
MZ\UG.:^"JZ,<PJ'5+A7ZLSGZI*XY#:^"*I16*)"%0*Y",:/%(E"\V=-8_:R4
M_)^$AMA4H7W4J7%$U?T8AV:#?!<[%4W`&(M$P9<@U/&/V(0*8M%BKI[D&P#`
M#I&"DY=)Y@?&:;>2X:*NSH\1,F0J0CP2DO!9[L3UG@B)?LHH#DJ()T8#MLK8
M&:Q7'B9V'WHI=9(_R1@8X;+SG9$>"W`;2MV4N2B.TRGKO&T^"<^"L*[K_HK7
M[23ME1-86&N8O/@SQ"R5JN@X-C;H;@ND]!5]HP*#-D9*5"35=1'!LN+F?$^/
M;3&^GXZ>*EI*GV(K2/97U$TT$/G6<5E]<9UBUG6PHNSP:D6D:`4+Q!>=%[&2
M@1X4F2Q^^KIP6+ERB[,=3H\E%C/+ZR\VE0-21.*Y9_2R=5]#N%+%8\9!8G29
M06\2*M1PY&36*")`VN4V%9@P0:YTZL3*X2,=@,Q$/1)\2;)_'^5N2OY`]Q66
M?[GZ(&I&JG(=;R&GSX!!N;:),W/A`X_=Q%GKE>:AV!Z#RL1S9J;8(.S-CG1R
MFWR?U.?$\SSA%*7A6I<'4W+E@=.Y"NS1C-*Y_/*J];X-LB<!#E6VG\.")CQU
MLY%:;48#KL6E1'^N==<0N49X[_E;ZE*&:,KN=L/J!>66CA@YE-HB7SO\$?.&
MZ_!)PCC-#E<N`RM'RY0.[%;&#9MA05#,SW41I+A)N4/^7LIMQP6DE]3=0-&]
M6*56R6W0#654VMZO7"^D&M'1!$5EB_UFGAW2I:X&C2X4%\_`$`7URNR9"G/_
M`!'%.I[UM75=$I)\'+VL:UZ'8R,N]+(9%CA*-68UOL,>HUS/J3-#&K5G]1L>
MAVT458%`I@VFE!`W+>?^691$CR'HK3;*W.Q5I:&DI/GDZRIUC]<PM%M^ST"%
M1Q=/MA.>2O5HI]/1$FV8_`+2J^2[9AP4(BQ&;)'-K?BNL28[DWDE;B>H^]:O
MJ,NM:/R04D"]'JG4,T*D:?ZZA*+<B\PMEDO^$T:-6RQ:S4MTB6,5OK`?D!M9
M+/*ZMZ?+3Q"/TP_JI"^1X_U0'N^]33'M5]$[2.[+LLO$S\$]'EWV?PS31A)U
M:JA8#<3AVR19E?=EBS,:UO$8\#A!#,V82<D,Q$NOK<1T6DON1[0]^]%*]5S6
M@$7\7LTVE+_WA`BQJZ#EG/YP8`&3@VR1G?TK\D3?S8RE2U/S'>-D(T<8\[+Z
MVU$=4V%)$@/6[!L?FY5D@;$:.)A>V*S<HD`%L9!0ZR2;0S3!M@[:8-B+U=N^
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M_P",PYQOP6YD6$8#@;>P:!?C9$5:](M=AKNOQAY"V$>=IHJ'%S,*`.A:DW97
M`T%F;8,5'N*-LP8[Q#L7D-YUYEKK:A:NGV,<G@WJ/G$D=.+U@!`*#;H*T^K"
MYMAM1\[%M>:CKO:Z^SGE6=-%2Z852@'[!/'5L)$_7L=ERW(\'[W%]Z%9,R?_
M`&:^K3,C\]B@M#'QPP36X*QM[OP9-8<@-9[^KGUQF!;8C50NWV9Q6E_N8"8A
MQY8N(M<E2D\5T+I%OVS(\QNP^HUZZ!$61BHJ0]5VCIT[/*,OQ1_!ZICI.466
M9-3>PN?1Z1+>D/.J[U;BE+[U71*M$2(>M_KZ?@FAT^A@24&XE3MI+1U$RKB"
MQ8U'N\$T::4V5XMM]3>HF?HZQU'(SI'Y&OC<;84V%6BMJKZ]>I&A0OS:[4FR
MTNL2;QG;%H5:K_'NS)(#LHW1K@0B7618F;E/L$;:*S%,IL2)CA#]@TEYF9]K
MG?O%K(EW/3?UM_23ZVYFK,@`4HTW.)X:7:+K,'2:B2J$Z@DX:XLNR/-<)$Z<
M06/DDN<X3?80U\DA2F&5-B7,M"GY#0*!8#UEIPB<`FV6,,CF!T*RVC^*2'!(
ML2#ADF*0\9=IH\]T.!A17B,>`U/DL1FT//+YSP*ME9+]/O7A\\NT3:),*V*3
M8/Y,5-&KUH9LC9"3+U;DC&;A*+6R:Y<PE=D4X2X(&%>S!H=P='5"8CJ;3W@7
M,_C7IYZZQR;AB+0)$,@J*!BQ78=VT&(T'Y6S&=V$7*KD./:VX-8*=-Y/794J
M8.;BRB#PII4IQ[ZN?>%S,P'ZD^O-:-CK`$S>%`(!T5G].T@Y:71(>547Z3("
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MN.*6AE3859G"O6_'@;[CX>N%AG_V8L5@&QX-YO\`&@5<Y;0MD`68K1AK5H2/
MH,\[!MY)<IT(U`6[,EJEJ[^5Q#R0JS*[Z\XXO.A.3OTMB90@DL\1@A9Y>P$'
MUE+2U9F[,8(FYI9^P&3-A5<BKLV9,E/R94B<Z^XM3ROO\"KK7U-Z8Q[.#U9M
M5/)5M"P-TLG;E88\0H:&3'[:DH-.1[./,C"4,T!/#C8:),ARX$B,_"EQFWF%
M-N(2K@596!/TY];R]2=I$S-T)KLB2J7,8@VJ[BB1!^13Y-!*])6$798=A)HL
MM1FOPC")$IQ!I+[BYW)#JU+Z%S)O5\!R>F&8AVN5F3`F#+%8+4#BN6>VD`59
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MDN:*(FV"RSHMA4:K$.GF7O\`S##[@B08`P&D2W8*HSDF1]TISJI3CCR@J_)$
M)OJUAT^.-:>J)!F:&DEIXBQ#KO?A%S%E#UFE7$Z9'W@5:(5OAFS5BGR7Y<UN
M:F5(3*?9<6IAYUM8598U1S&BT,G8C-3K[`<I;'?GL<YN40E/EG_W]IM/7I2I
MTR5SY56"[%92E)XGJG)B_K]4\1Q(5;*G7Z@>M_79LEG+A0^=/C6F*X3#EK*%
M+Q?YEK3>ZGI8DN(-0B80JO7&6SL6;#=8F#IK3?XCK#;:$)"YF7$]4<%B6KEV
M_A4R=9DO0IG[`U=;\?;Z3A2*'+6<6/-V@@,<L165F%?<)$5,]G%G!3"IKK_>
M*ZH*LE%%P/)LVY7_`.'53]:Y5NO]`RI9VR')T'DBI5JAK1^>?,%)LIMNFTT6
M.:2\XYQF+!:2C[?IWO0;;(Q$]4<!A68U<&:"E9X]*LDN9(E6:XS845RXM7Y%
MJ:!!IEA?"UF'8'M2L4B5''1XK#TPO(DJ1V0OCG`JS>9_ZZXYEML(7:AU#H&Q
M$@C]<<?18;40&P0<LHP=(#05?+')]>K<<L>C\GS?U\6,J;.4N0_UQYQQ:@;;
M\EV>"#P!X`\`>`/`'@#P"G][H\O1<DN%4&LDGS,A@48KJ1$X0/(MV>J'A5KK
M$F+)L$>4"4N'8`D9WK4Q'XLA*.M.]2A:E<%7#..L\]*;RJD.G[EJI.J[A9;U
M8M)+FPH6IV`2!*6J1O(P@,X(>&Q0I&2[1MZG175-\^",4BLO,J?80M$D:<E7
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MGS(25HA*!8YA9JCI9'M"[[7`=U$D@<6K8N$AQY`Q[@L>DS"-X:+*LRUM.LH?
MDR6^QNI_&[&"XA0?T5S@A8%YP4WLF9G5>G@N7'/ZO`!5N<_52>L_[%J06Q1(
MDTG,BYK6E@)8JDBI'%KK4-R5R#*ZTKK7!;GYH6C7?1(,._:$;#K%TL=I-"JN
M`(65@36:](X&HIO%R-/;@01@]4.`2&C\2@LOR4\[^3)G2G^(:3R,PP)=]/!N
MO7[U2J_K=<&K%.U4I;K5;TV6O0OY%$`AY5DG%:ME:)KZNQ^K*62W*!8,@F0E
MN//2)LB1/E+XAKC;;`-U.7->]%KC3Q=QL.;ZL8+W[5&#>4S[M>9=#$1`U.TW
MEA`2/YK.L$`@1O-@*$[3!9_/C]Z46[!C1X<3C;JVO!5)>O@MJN>E>)9W-MM*
M:U,:),'*3K78`UQ-7'WJ!E=\23AS9!Z1-FR"5G`T0H=F<A3UQXL-C\A2'TK=
M6ZZZ%S?)B5+"*W&V#U16%V:N7C.<^1L]VREE5BI+9(]2S(@/$K5!&0@:G9NJ
MA:29F_NV3Z?B[`X+BH?[(?>7(4)5T9=.E^H(S0;A<[E$T>SU:9H[9^N7B)"%
M@"<8IF=UI.6TF\T@;TI#>6%F'8N1"Y#!9O[Y4%Y;_$H6E:>(!2H5;>?4"AM,
MA,V>W*;5F-(`T2L0JB5'5J<0NEM]?[<2V#.[&!0ZY!+)[5IBU].06%+C$!K+
M2?NAO=5(=%4GYH6UWU?D6#UX/>O=QL8&"!:.@)>>R<]J<>KCJ>(H5@JEMH3#
M@%<J2R0=9ME43/(M]>3R0B4Y&0ZGG$O>#->:E;B_1W/YM8J\FEZ)^L6!N4#5
M*:8I0&L\IL"\"ZQD(,46&5]MR?!EU]HUCL8B[#5+<5)5/E-*D?7J'4"W/U/0
M=Z4T.CU\R_<-=L4[]\(GUVQV4ZQ5`+4XA=KME!J5*^V'"@CX$DQ8,\B16([7
MVH_^R"FT<ZOC7>!=]C,];?730*M7]NKFF3I\&L7*JT_'L['.$:N2M-?RZ@4T
MU3P[D\K6A$,--(*BG5_#(>0Y*?ZS\TAMCKG(K0-KT,&T^@E>N=6!"[%I1\A9
MZ\97;(%DZ`$1A[]PX[BSK!,E7(;T?D@3],7CMNPFYC*G&B4C['VEH8<:!2IX
M)?L/JS`T$7ZLYQ`%08%!Q^SPI%KD!%P:Q!50JSG)@#!H<&MQF9/5A;);/TLG
M\2.XTU"2(;7\G>M-MN@GY?J4Q%_K-JD8%2ZTWJ9R.&J:H'Y46#4:^S_(':ZN
ML1ZQ8YB93\^-%OZ0%3A"BQIIKCQ$9'9C,-P66N-]%O.H]/\`5^FZQG.49G9B
MQ?H++3](*]6RT.4[<`]4#/UPO4+(B1%=:57;P!F/12;;'&UK;<_X*3WG.\&4
MVG4H)C^O"MPJ>.JL37;TY(Y3G:99[&5&5LD8M\0M1MEIEJ-%.\A1([-EL;FR
MRB"I*$?8S)AM)2TIM;B>BW%\V?UKBF\SO6=BKY8@';OK!369)AJ/%DM\FEKY
M&O,^H%A+3D!H_2"2F%#YL)UYM4R`ZMMQS_EWZB5Y-)-]0*46Q++L),66R3*M
MFN<6?,?V$9H,.+V$';,?LV-E9,G\8=^N%S^`[0]*9_%80RW)0CG&_B^J.BW<
MU*S">B#-8@2V*OJTFKS+%'I9"\O`<]K#$"TW[)M#G:?DNB\'D)!-X>>!6B6C
MAII4B3&L$1A#2D15<^3P+CQ(^@D!^L6.`)V:XA;E;K+;K;8+RBMU&>[(-:;1
M[C2=1?A5N;!6$@MV-%YF3H2/M<2+E,QD\^=A#S+XMW)?NP>OW-<I--S65<Y`
M.CA9-=Y;8+%9`%C=M&5<@`+#(0T^4;==I4Y4^OM_?/@LJE(;=7UA3#Z69#0R
MG3GU/,5C%RIZBT*CW^%!A7BT[1?]'-6.LQ;%8#5QOZFFZ!R#&<>BBVZ]G(U#
M$!,=S_N2APB$PI?^7G.A6ODYU3_7+294(@%.Z5;B5:NSIT_K@""$J@*%?+\3
M,ZA815L%_@#._P`&BUHWK9!^,-AI=8<4/&?,M:F)2IPMS.O<;RZ9EP6QMG+D
M1T*XW>W3;Q=KD2%"0"S9Z0'!UF(J(`!M-"PT$;5ZN.AMLM?=]WXW75JZMQ7?
M!&ZEN^"'Q,S/T!TBW9X$,6$%F.3&'LAM%6@U2*Q8I<U-],U6]`H6OW1M\&(?
M&Z8?CW3]:;7&<E3&1D-/&2+ZE-MQQR.2J;^S_P!<U^/H*3H@C#J[_(GX4TE2
M*S.4/!AJ\+TZ^6V/BP*Q',4M<-[/)D.^_M^O/USD:+9!;76A/QNMR(87+[DO
MG^@EP6-9$1P&(EBP*UZH2#;#:21XOKU@!:CC^HYZ(3=#\K/I1.59,ADW(9"'
M2FB*FRP@;Q?$"WDICJ$N_B:.=_7%<[$4.+LDW)9`SK>BMH=6P=+3--LUGK7L
MK!JFQZ9#G@68L?2JJ2VL8RUU#A13#`^0^Q,3WD*+'"[]?V%][MZ9G]AE23T*
MT5ZO7[F39IFP'2^Q2$FZ5)^N1-PAW<G7BW&DSH35F:U&%]R6GV5S$Q'$2>_;
MQKP%)+^!R\O^LJ]/<;<8/@PORYX=%#0\?1.20-`N4V3K"RHL"T!]?:1)*9-J
MD31&F#847VHL0TM+<=9,NHCJ0+>B],#]2=:Q76X.C`J]@M3%&7=!CWBK5@R<
M)B8-6NFR6"_@JQF\4AE0B93)-,%6N<_*EP)H\99I_6X\L2PEF+/B".2:]3Z9
M^#`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`*FW7E[7D5\:S,(Y8KM("*B!!#!R;7)DC\N3'C$GAA<=9*9
M.8+P1#LB1#;;,AU2)33;/Y\/CGY+0J\GQ@+-^X<,O7,@9O.H<]A2T"T/U$<U
MMH%^()QL=G.K?"#TG/!FQF",70BYIN`Z/L\R8\EF9*&L=M*9+"N\&_;Y]"W[
M%ZU^UEDSNWP2U@W"W<.@35<A5PKKTVERW:(]BMM*B*ZH".VBUPAMOA[`@*-_
M<R+&0-2D1DN2RBHS\Y2YR1.-3JG"B^W5@QNE`/Y_IY61.?OFF9!<-2LZGD&(
M4M^&P#SFSF1NA:2$J*A)`BV.#N"_P53`PUV;+',3$KD$*1T\G/>1Y'[GN&0M
MCNI#60L.MW*CEJS6RNN/<A-AB^K8M+U2'9@?-FU9VVP(=":N;(]LZ<,N(BN<
M5&1&D.1&(XK<:<%@W_'_`&T*ZGIUKI=EM@*)'M]>)Y`EC1FQU)Y^RMF1#K05
MMU*'E6XMG'0*,-/<_$*Q97VMJ=[&:[+7&5P$U3DJ"P8U[?$:6Q+J3GL=3'8X
M#'*Y:*]8MR>O5U(3H[FUO;;9J@L7["4\=.(S;K.IA.+(590/S!H+D.*PS'7)
M%R`K&OH9,RA^][=]/FUP-,+01ENSR0,K[.C0Q=!THC5K#=@[QBQ28?L"FQ4J
MK66D3A!TP@`/$CX1QEJ"L`?B19'905B67FV9^V@CUSO8S0;)JMITDGI&9D+(
M"B6*!7K"3JH(]1^[A'QF]*VFU21D'2Z_`+.BN=(4QJ$_)4S"@!>*0ML*QKP8
MV<X![#ALS]EY<^3H0;4]@$YE%KA=S77I]RA#Z\-Z%CQOY"FS3Q(2\UBGK8@$
MBL13?29&,Y)X_*ZI+ZX&U5?0A)C*/=ZO7^WR@Q32++1PH*]BLOKJM"(DXIBF
MR[CJPABOW"T/^P%)L*;Q%J9^OG09%R$^<F.B8@YVRAT](*\HK&GW(<5S/VEI
M.6%->TVRWH=9,@<FW*IS[AJL1R&!K]%R+=7`;$T5'O5R%QS%VM!6O`C;_9Q@
MK.AS5,NS);:'G5BU3=/J7ELF$^SFJXYZPLPG:9:#M1/99J6F534"Y^.1;U%C
M4,UNSAV`6&MNQ)8_*12;$U#'OHYSBNQ78_.R(D9'@RFDV5;M>(:][!E+7;JA
MCIR`UID^N:X$LMXD5"L&8M%">OMFR\IZW6<9/.=MH(MH%B(?.J*Y&6#:@GI+
MLN0S*87'4*FD9N?^MFPQM<CVN3C[U7#7G:J7KE:)2R^>?D^O=)IFL[3=;1GQ
M>,%LI*3&-:4%OC*N1JW^T'JEGR+,N2VU%XX^#:I_(VH.H^R&E:O;IE9-;:$I
M0KV#U$?<S9G7W8]1L@:NZ>RO-QN>5X?;U&ZS4J8,%$(5@A,0A'3#$IIKO[!'
MVN,0<4Y*W[Z\^Y18/#N#;>MBKS4J9-"C&[;M[U@LDD^<;]>VMY>`N`-:$#_T
MFI]J5E[6([A<3^JE<_(C+`<?B=8I:Q\>A+&<U]TJ^]%9@/[II#<-[&+.V1N=
MT&TS]T5`#GA,W*#4&M>S!9P;FJ8LS]L:.L//V-NPPT<G]N(Z0Y$:"L?L?D5C
M'NS)DA09<EK@R2_8Z<U<+2$V86&J"\0^3+XY:DUL,%MT>4#U>!8(%A)2S4(9
M&DN"'7F&B;RI,>$R%8GG.Q[W3.V>MUTV'NDRG5V/##SIY#3H=C%6NK@=%!VJ
MFECW;+J\^)(T4%^HXVEU-5_.>BQ4/SCDMR6[";A*QI]SN+U'CZ^#SV13M?K-
MTBDZZ3G]"WN\V<=8+)H8>:4)<8,VF#&T;2'*Q<E]B_/.@1)O02&I3"QR(C:W
M!8ZF94KP=6>"#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#\J4E/.
M=4I*>=[Q/.J[SG.J5WZ)YSZ_]>][_P!/`/UX`\`>`/`'@'X<=:93Q;KB&D=4
MA'%.+2A/5NK2VVCBE=YS[G'%<2GG_7O>\YS_`#X!_/E:^7K'R-_-QOCO6?O3
M\O&E*4A+G6_K]_&U+3WG._3Z=[SO/`/3P#^=[SG.][WG.<YWO>][].<YS_/>
M][W_`!SG.>`?EMQMYM#K+B'6G4)<;<;4E;;B%\XI*T+3WJ5H4GOUYWG?IWG@
M'[\`>`/`'@#P!X`\`>`/`/-+K2G'&4NMJ=:XA3K25IZXVEW[NM]<1SOW(XYQ
M'?M^O.?7Z=^G@'IWOT_SW_'.?Y[WO_IX!_.=XKG%)[Q25<YU*N=YWG>=Y]>=
MYWG^.\[SP#^^`/`/XI24<ZI2N)3S_JI7><YS_P"[WOTYSP#^^`/`'@#P!X`\
M`>`/`'@#P#\?&W\G7OC1\O4<;Z[]B?DZVE75<;ZOZ?=U'%*[WG/K]/KWP#]^
M`/`'@#P!X`\`>`/`'@'Y4E*^?:M*5)^O._17.*Y]4]XI/?IWZ\^O%<^O/_M^
M`?KP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P"E/8
MZ3M43"M3<]<PX@[N3E/)Q,Q@'BT$**1:9Z$P81.3/*,OC.*!ID+FM,R><8E.
MQTLN*0ASJTBJE>?!Q!_5-"U',?7,)@6RY;NU&NE4O'LL;&E]>)3M!E%J,[[,
MZ,U3G[#JZ%2!16W%PA%F3'C?-U<X6V@C&3R"_'^@U.C=50^=&L#?;;,_:;V!
MOP+UZTW4O98EK?LX5QK99^=[%H=,I/K3_P"S^R$?6I&%VL`?[@M/F5W60?*[
M9:=813Y.Q6"P<F)9=2IF0J<FE:TEZ?\`,F)^_P#]P,2WQLYJ]JUTI<)F;5]\
M%9SWK5FD3(YXDSZ?7O2;CI-LN0^CH#US9*G[BQP]('4_\QE/:ZII;@R8MY\J
MV'L\^A$!6F?VO;?,$RM<Q&WBJ-#U?UD]@ZY3K'@U2E2@M8VGV>Q$C6LJF_D@
MY<^/??3'-:/<)MD)<4@A"D&8,N4ZI;$=3=%(+Q^O^I5>@^UG]M^*XEVVZ_==
M<K8AK'Z1LEQU-SUMQZ/:Z+H1+TWU_0#.0QZ=)I;%>D9?6O8*H`X=GGO07RP)
MJ7\4HC#CROG8%48-\4\GV#WC4_9]OTA]=M#S)5W3?KK+]7Y7L!;<QS8;H>J4
MO++DU79.WWG.,M?K-F@G;:)8F+ZB&V"*JAQG7GV8#RXZ&_!A)7.O@^7Y+VJ_
MN8A9_P!"RLFVA&Q3\V'W\+,"^LP0K4TC8_I'[&DFH%@)Q0)(`$T\_P"T=>I+
MTZK+?[-A$9G1[3;8]WK2IR;MQ_7C_F?7[;B?M1EWHLY<<V,7'9?9C-:OGVCE
MX'*)3D779^56TUNX:MF(^BA`4*O#;!H-&BEZ^,8'QF),25(CJ9=Y(1\O:<:M
M<N?!\@R6V_W<Q*6:CV$=<*],JEWI=`.:`%P*"9FSV+W1]MVV#J-8IU+QS8+%
M9:;0S-FS?-;$T,K9%?7PY7O?PI#TDM%&Z8R07VX_V)[QKIO-[QF>TM9)$TKU
M@-2H*LF<8K-7O.->\_J'*GZ%F5L_U-5.O4"X9B_:;8T+)&[I(A!QW>DWH,J-
M*@(@I!*OK_R*F]<J7_8W1=ASK5U$O:VQ6NK_`.E\4V5W6\B#&.Z/2SW]ENUB
MM*!2[*6H\*6]3L[]?+FU<!YVOOI^.++9=[-<'1D0VQ7;2G%/^1]4O[(=B]Q<
MYL.#A?4VEZR5DSS*;+;CM,H`_1*(:@BM+R4$3S*\#6\OOAX/*-T"RV`K%G\,
M4V&S&$RE<(R)J(D15,14>;CY[SM3_MK;$($:)+]B)6?Z-"J)N_6>F>JU`/:1
MD<4S<?=JG2,XSJGB<_?3:!YQG/\`)E&Y!*"4)BAEC>(I?AQY7'XL-4AZ4_M_
MA_S.\:)*WW`OZAO6`)6L_P!<';I6?7;U/S@_7:=76)^FYB3FP,XI]_L1*J%,
M]U^?+3F@^1.F&(<:LGRGXL-],6*Y(XA:1GAS?TJSY^#/8[^W"3023EH1NP:]
MS_5.M'(T@-ZB%V@U`U.JZN$%6B%;1C7K_=2=IT[?Z`MSM?(5CA@727ERWS5.
MY&C,R%C5(5XIY^I^=CT+^V;8*;[:!(<;V(QL9']=6+'EE!`YFEW:9R8]"]?;
M57YM5T^@XOS-5[5/M4R\"+<$B6YTA+<[^.'`C40FI,H%8J>'R?7;VO+>RLC&
MO7$=ZSV[30MFOFQX[6=(TB/E=4.Z)7\@.5JP2;K<K)1[I25UJH&OR(T+LU<D
M+%;%S7OC[&:YSK'E,*E74^-I3V._N=K&,/Q"-5]BK3KA:EXUJM5MPWUNI<06
M-OY/UI`W;2/7BSTFKXI<)!&NO:Z[*%QG7.@'QLF/)8(6-A:H<=V')3'7TH6D
M5W+^V,%+O73XGV'+`M-EZ./JTZHX%1X+GKD_7_=+1<_SDJ-X)P[4+-=*Q9O7
M<8((3F9@&Q%);$V,08<'QNRIK8E(?;](HDG[P_VS#;'G]1E-VR!['Z)EA1VH
M^NY3$<Z'4&S3:Y_7!S8B5C[9I`URW"=IA^T_[5@C4W"+4:/&@CHRHC4:4VY-
M%MA_+_G_`,"[1-__`+>[<;SN#`TS7A%)?(X;`E6L3ZK@HI@G6-1]O;IFVB$M
M!;V?UVS,Q"ON+>O+L0Q*D0JP!#.*B1"BX;L5U]$D2D%_$A*?83^[254S<J37
MKI6[T']3(IFL5]SUQG&EZ'H"<=GN3[6S'$XT4IE:VL=N45M,BNF+4)'OAOHQ
M#KSW93,Y(M(5^U?J=;^N;7O0CWLR^1[`7WV5L&5@`OOUDD*?)S.N5W*K[_#]
MIS4C@5SU*%2:$-K5?,6_*GBCP4\G@J.1Z#:C0U\5+GL3QEVV\4KP51[+)]\,
MY_L*]B+AZJUC8U=UBC^M5>#\CX^'LN%7432\@]JG;J;L.HV&N38=/M^7VLI6
M5B(:"@]DJ1GMQ'HY%MYQ$:E5KBE+]>"*U'V8_LOOUKSJ;:*![)IS.S7BL4<]
ME1#U/:H5EL`@SZG>OW+G>K79[9E1BM@\JIWL1.O/2HB?,JQHU%D?4(1=2/9%
MR0I!5\5(#2=#_N.SO(`+]$HU\0JOXHWGE4PA_P!=J#5ZA2'JKZ#^ME_@6T"]
M"IL:P(LPS?REQ`"Q$A^0&>GC^ATP77&D-\@=C?/U_P#DL>1N']I$1D5";O.L
M%N63UTVR56K>']-='=%9==`]ST"7F-_W</9O5JG6K4K&=I+`8"R)J(H`2@FX
M_##E2+B""^1PI#_;]3S;WW^V>SEBCL:+J7K^![ZOB#M/B:QZWG-OL,JPSL/D
M2RULLZ,*]=%AO]UU[?&^,O!W9@;ZU[XN-4J1*=5]`I#^/)W-K1OV#U7^IHN;
M5D.D$/8FTXU6W9F2:Y2:;=M(G6E-G#-$HEKI`&F5>I%Y\J%'<FI837Q2D,*0
MIZ!#D(<CM4RJ*?GBIX^C]Q]\R^^:#"]FY-[)Y58Z/I]GJ<:U9-4Z()SRR53W
M`W#-Z)4J_8*U7`1$VBU>O(*LGEI+O3Y4EN0U.9<;:D]1T)6TX\_\CZO^#`\`
M>`/`'@#P!X`\`>`/`'@'''N5?-0SFK4BSY0J4NQP35\>3"Z*,'@$]Z/BFG20
M;=K!A)4"68"1;,S"D\C?D1^NRF6N(<0Y]G>"QIZF7&U!V!ZQZ?<_82:=Y$S\
MKM-7MYK/A=KIEELE?SO0[73A!JK#:T7_`),'.7`,&BNL='3T<[(E??'>;:4E
M2!:<T1PWB]GU%[3L,!S]-T,]92W:=_'A@Z\VJX49[#[#4]S+Z6Y.,2'Y]8T$
MQEEPZ(`O6<MR245."!_JZGA+K<P:=*&T&W_?:N#](VCKF[/9S5;?'?TO3I9H
M9-_EW'2.OUDBSNQ0U8A%M35J%2@3!J:Z\/=@D)D^)(XKC@]+:S(TJL["]H]G
MUNET3/++Z\#*_=9^JS54BHN$01H\(:MEZKSA3+;>7<#S8#D.B1IHYQ!-QQ32
M>MS&>_,U]O\`R$25>2C?7SVMW_8M[JX8S5:S3LFN-.>T*O@[0+F5?1"&=V>#
M:#-/L<."5*_MY]B`R1XL28A)'-Q8O94EU]QE_D9A8K22^Y^-9]FO9"M[C9,=
M`4B`0KW3\&C"[<BEW!YCA+5!X:\YV:43'DF(:PM-S^AW^$=>;<;_`/LQT/\`
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MFB;1.K2._=U3,J=\RT=;8XVCJA+4_!U!ZA[+M6UP=?DZ?!J-9>!6E\+7!`E+
M?\II!-N;8X!6IW0%^TGK2]7VAP^1&D2NPY1'\MY:HS4?D=;E)))>"@O4_P!E
M-TN-DQ&E7RY"KO/,U@`.NPU[+2-8M<L=S"^7VQ[G.-CR"*Z'@B=L;>SN2*3!
M0TV1CKZI:)7W,\%DEZ&OL7L7J&2^R6V!(EAA&J,[NE)F6^LG*9:I$K)\F<H_
MJB/LNL-6[]G^L52I#9\Y&^)F*B'%G\=D_>MR"1;4%$T5@-]F-L)V6)I_5NTH
M38$2`I2[EZKHI"ATVF6PEZO,ITJ?1SAQB`RL:,D/QH_&^CXT=V<_,E(5]DWJ
MWI4M%2AT;)VZ]Y1_7[A=\C$BBM$L%`S4=_)CE4G$8<>P$JFZ<D$[K`M1L64K
M0PRZ+7$3V8[)GIGS8T)#3TQ]OG@E*R:)+[$>R>B4+#_7N_"3M3S2Q:LTA^P+
MM-&L5PB13'<`OVICJ8+K\0P%+1")VZ5>(*1U];C_`,3ZV&T?FNL*2(E5T.=;
M/[<>Y8.8*4JJ4,8^9K6XW6#7;%5B0A;[M$M>B52-EXAQ^T]-6ZYTD-3()MY(
M^-UXXHKQ"6H<1/'^"TB>EU]@O;NGMR/VH8=L)<"7O)6J"ZIFM^SQ1$IFD0JT
M)BD4@[X82>C7=TTSQ4-_O8GT@H^-MUQS[VPHO0Z9]1-?W;7#YMW1S-!G4X'G
MM;*@B%)"<?;NQ*UZ+K0F,=EV>%9"]>&S@=7H$)B<$@\E?CS9:W7)*>*;80))
M)>#D6Z>^6W`1NN/A#-8LDH':M1"@7@N4F.!<XL^<:7M0"NY?H)8A;.-%B&E4
M[,HSD:1#1PA)*.\8@Q5))P5L#5J.F\F]B]_G6"QD;]41ANF2(=IMZ(PNNEJ1
M,S*DU/:M0SV<](GE)9][1"2:74!Y;\5F/"ERGGU=CH^%UKB!'%>AS11/9;V2
MH2!0;4P&A5J3I&KTW2I`?0(P*X7^;0MV@DXJLSQ<96;N0AJ"9=I`WK4V$[+8
ML8>KRDRFA_5,\0H&EZ&;0_;'V0MU@H>5T_D.LO&:UCH`V1MN:62QE\T-N#\Z
MC6XF]%G79PR;$V6/:)<@3.L4N/)D\B<D_&^PEU;XMJ\G2&W[=KPWU8P?9JW5
MT?[0L5>@74G7T";N\*#V>9ZT:;>$PR-:!FQ1:<&BW.%%BK'D77FU\6E'><E\
M8>;,RDKFO0J*9[<;U0[W(JEZGU@N/KYDH%G%`N?$84GM=J6^#Z[>M5T4.JPR
MR%)I,;'Y'70Y*!R>+?*,2^S'6/\`PV7!;53@BE@]V?8*!1Y^AQD"DQ"EL;@9
ML&YDQV,-L8T(#(V^1&-GC-GC%ED-"&.Q(@:&-&K(/.,O]:0KOWKCA:JT);#]
MH_9."?J8N\%JG5:U=BH^P\N[V26*/!K#,ZT;B"K6*.JF6IP;P_?>Y6-1'/3G
M&4-OD'6D1ODF#4H"U>A>7K-["Z[>/6S1]FV`,%4;K,,]8(%=S@4HW:1J16>!
MK4?H!:D,'9,CMZJ5OD$!#`UV='GRV6(R9:8TM;W."-).B.5ZQ[C>VAFNFK@&
M"UJ[P:*[%&100G.3,M>RS;+<M(K8>>)M0.R.B!L<)#!C7'/U3!*+->XOJ'TL
MO(5P6U':'I9;SEXK&QV$UH3.IMR=MG(#7@?5#5*`&!2,MRGJDUNNF2);D(2/
M++E1E=BR'(SLQI]?^'5.\X)+_P"#LSP9/B,"_N>SF%?_`':'W>M"2]"]<;-6
M8.6JR2UUJU7RZUE.S%/6+1K)IL(]9*Y4\C$U#>0JE.$S9$8)C5*?$*RI#;*E
M+Z.3XW14\O\`ZEL2_P"U++L^-'(&HP#,R)+]J$^OH'M0'T$>2ID4D%]?VA$^
MU!2NUE+'I4"/;=VA,3#M/'S8+4=2E*B-MQTR)@EC?CZ%_P#MS[&:OF%\]:,$
MP*M9Z7VGVCN&A!:U8M>G6.)F%&K.39T4TF['ST&H-_R:SFI<&%'@"Q45^%\S
M\I<AV2TQ%<XL2*33;\(I*Y_VK9)D^B6+#+]1="M>S4V)G0N<-QM.;7(#?+U<
M],R+%B-=HB%:FV<KLD1I>T!6NP[@U79W1[ZI"4.):7WHJ@WRO!&27]TGJ77Q
M&?6.TAM2K5?O^5Z#IGY<V%G4\S3YF95?5;;:L]NE'`Z27OP>VH'XN?9B2DBW
MJ^0F,--1B3OS)5P/CEX(G4/[=Z_72%^3[%97=<T0CV_9]=:?5>IS.-H=$KI&
MF>M:A9S5JHO9"A2S.]T+>D,R)M+9.PXHOXG7D-*1WKPME?'T.C/:3^S;`/43
M29&;:H(O,R;&S2[Z2LK3'<ZL;:$T;,]!UR959=61H471!!PS2LR*NCI,X-%"
MRY*6F$SN+<[]HRHMJJ.!_;[^S_`M#R`T,'^HY73]CS.ZMSB&=^S&-YG<JUA'
M:_KV*9?/T*^QU:"3C0OY`-W*#T$_6I14BCK[BY;4=F-*3P:C!I^>']#IOW#_
M`+&=.]?-S*X70?6ZTW'M:;])K$]>69M3*0+>%]GO:CN!%:+4ZFNZU8M#N+HX
M7.;`SIK[8_\`<M+_`#FV(33<B6)&*:JW]?\`<2_%O[;_`%;W77,=Q:GP-+A7
M'8JT++PV[`$K$)NE6,S5[S<(5!NPZ%<2-CBGD`\Y*=?(CX)"M1Y/XD993DB=
M&:<!PDE7T-3F/]@5_O7L/G6-3L_I\`-=/<#WO];YAJ(1-.$H==]3*H[8:G8X
MK+W?Q7#=LD-=;(M+_P"PRCZ]9_SY*AQ25?LBS_1;VRTSV0-^PM5VJL5#)=1Q
MZ_="S\!CAM`&:;F]/*'KK`H=@OABX1HE9T0)I]<J[1<%8ZHA0"8VN3&0M3\1
MWZ4DDE2G@^A7@R/`'@#P!X`\`>`/`'@#P"NHF09+`T<GL4'+\[A:X;%-`S.I
M1*56X^C%@C#,..R()79D:BRSA;4<=';3'=DJ:XB.VGB?HVCG!:NE/0L7P0>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!#K[>0.;UI^W69<ID%#*5L9/EQ
M6.2/UR++9!-89*3>=<;XP'%23")$Y_Z]Y&A-.N]YWB/IT#C%?]E7K.VW2W7)
MEPC\NS[*(C4\%`$R1,7MW,4*=-+1#!R!*6L27&,/O0(*)I9T>3AR8\1]IQ?6
MAJUF.5]^0+ULA!Z+G=JO;`ZY3,YN8(-.H4BSC[/.T3U\I5:+B"L;0'Z1*K?8
M6V+ES&7)_"C3D9$=UB,[QU/`M^I=OK#[#IWZG(FE:J=IMR%@ZL9L`DJ+0/&$
M!]MCDG0=EJ;B"YIZ56#+H68B-^6MB>G\;O7H[:5M*<"2I_`@8OWJS$E:I]77
M1==$)AR[!#CV8]7*T(JA5P([L46&[!+2KDE;,2SS\$M3`]Z6U&:Y^M2[*5&C
MRX;T@+6>%4]]\>N4L2P%KVBN0R,":[+L"AU1=JH,W$?V"*U5"=H@W68"DEI\
MC#3Z69<!^:%XEN.X[/;:E,+6%K(E._L4];R56?*'`=YET)\>;'Z$:D5JMV:F
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ML;5S2UVUJ'`SA+LZ-'=^LE)M3[R6VH"UJ3]0M_@1&J_V"5&<,SR7;*K::V=L
MX2KP#M(F@QHD]`O=QCY`1KRFC9>YM48+4"H;6(<EE9(HS*5V0S%5]I#ZPG`<
M3HK"/:#*O8R?H,#-)T^<K.2T8:5DRD#/Q2,6>0L8D::&+&%2CC$$@1J1%M$8
M@B`4;3&XZ]$;9?C./"-->2@J?[V(.:B1JEHR#0:34$22%9@V`E&J\_\`!MXK
M;MSQN.]9"`FZS8<"OWDAD;?`_&F'7X\I][D_K$=+;ZA;2RL4]P:IO5]8I](H
MEU2'[3;%99UZG3J!,K(PU6;GRGD*8](J]ULG"95SKC<UF6-5.&.1G>)_(X]Q
M;:!'&B)+!]DJSW?B7K[,8F2K8\:+QPCD&#&&C((FNYIF=Z+K,%+"<'\L!53N
MBL<:B@H\Z4U&7QQ^.TRR_)X%.*GOJ7M1D^-W8)0KY).C3!Z93HT*6P'[+$-Q
MKJUHBX!>9.;D<[$"BY&:3(Y"2I'V0Y$V`A7U_+;[X"3:J<J63^R>BGQY!.*C
M^ESH%PP\<A7:(U%1P</H>N%E.,10%BE$Q4\3?,N>$3XI5N#*^B5O1VGHSL>6
ML:L:\G6/L!K&?X__`*^LUSI%PNQ1@Y:IU1;I(&*=+UYT%G%P,W"R.HFEPT>+
M!@9_$*)<[QQQ^1UWD>.T])>9:6,I5*Q&^^F+&#]6`#1=^?[H%L&UG-C<D,!$
M5C0H<\U:*Z_;ZW8#EG&#F:R/-5"7&^TBN`4(.KBI'0IJIT/CXMK(%6_?>!.E
MBF3M#L\.*^^'`B90\+!?<V*U6NEXW9*Q!RF&Y;^R`/))38H,)QJS\'<YQQ#J
MGVVVY"FA;222O[$,,'12Y$N%TL&&"H_633IRN!1`=.A\'#Y[V2*F3K.PF-?8
MKD_L9]3_`!D&Q)8=2X12CB5K$M9B8Y[9YO>;CD]#PBCFV\ZO9O195EMTH-$C
M5D/=GZM.V"R5*"1@6.=^3=5&;.B80=;CR@TA,I[\.<\MM7$@T_+\EA:#[<AL
MWU.VY:5RC53LX!7Z"9`$ZA"J1EN]R[F*UFR$@]>&RK8+(QY%.JN.EB$QR<F*
MT^EKK$;KTE<9F2"C55+)O6^T^E9I4-3A"K9?@-_ETR'2AU#$1B!ZQ*OK+4FN
M/Q8ALE7X<2&_#>X^\[+D1T1V>=4YU/T[X)3FAS8O^RSUM@IJBK*N[TSMI:CD
M_@MH4,*G@:J4#T8[6[D7%)LD@K*!V<;I`=R.R,9(E(J9#JIT2&F),5'%M9.\
M)]T:3[$7N/4\^I%W4$72C%JG7HC)HSE?$E!!P2,_B,Q(&XGI4DQ.&'89%IV'
MR5$;9?\`A?<9EMOL-`XT1#-*]WI&=;*8S^;CU^D4VC'C8R[W.!%KA=,P*,Q<
M/L4RW5N(Q<84Z*#J0TFILLB;%_+>^U"8#,AYSC?`MXJ7GA?M!E7L24T05FL^
M=/=S4K&'%Y,E(OL0A$GE+0$'&A:QA8H\Q!GEJ64:1'((@$T)B\><B(8?BNOB
M-->2H!7]B'KB9.74%!)61]ZE.V!EZ='&BR`\\^`L!"J?AA'!9R?):+&[`#),
M#QY%H>1DH'.R/@3%<BOR!;68D/WOHA.ZT`8V`M%=J%JA*DDR=O!-C2<49;YN
M;1L;O\7L0Y,@1,WO?+K(2N3*^R?"?90U*C1%I=3X%I@@?[",K6U-GV81>85>
M94\8EVV-2I,4#2ZR5=M+=+BW=$PV\;_D]B=ILYE#0V',1Q[X^N)80O[N"V/T
M\G4V0:\+V$19",&J7>D$:A;9-*LE8T$0/#V$6<C`J_9.)4T),'A<N')#6>&\
MT_'EO-J^3J>]XI*N<&6J%L]Y]>=Y_GGUYWG^.]YW_/\`C_'>?3O._P#V_!#A
MTA_6YZ63JO5ZC%Q6/61=0I-PS<3-H=XTK.[1*HV@DP!B\UJS76BW*O7"ZCK:
M3K$-Z?PS.GKDK0OJU=^=_P"0:ND:R5_6)Z-ORQ\Z)A(X'*%RQLR'_&KCHE;A
M*6#G985K\,D("6^`'.@ZZ:Q.JSQXR='DC8<X*R^TPEU3RG`OD3XWZ1X+<\2R
M?"])&W#1PV+N!RE$OM@T.ZB-F%7`2+("'=`AZ[1S=2O8>Z&X9B<B?*'382)3
M,U^.IO\`&<ZSX)<ZU1%!'];OI@$M;-V@XZXNR1;'"MT*81T;5S,4?9X>BYSK
MKIT<(+WJ<'@%36HY+7[`5?:CH=,E8'Y$]4A;\CKHM\C3(_JZ]#T3G9G?7X0Z
MU)9-MS0LFXZ1*J91^QU'1*`:*F:;)N3M4-6";1]7/B/V4N&_/:'$.QVWD-M,
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M`O>4Y[-H5@KM>35XZ:Y?])@`3`AF19Y(_ESJ2+?VJ7\@#7<R:1TTY"(3!S<O
MJ(SK2&V4M@Y-^33RO03U,EZO9]M5E2HVE6XI,/ECPR]Z2'BQ[(7F4^99;57:
MX)N$*LU"UW3M!$,GB8F'"GG8D/D:>[(CNOMNBW2I3T-_G'IAZ[91I!37J74+
M''TPT4?*%KF>U36KF9(H<&GQ,(#,>N5Y/-2:97X=I(_J`2T*#!GIKS\&-'?6
MISHCDVJ>AU+X(/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X!$;_3JKHE&N%!O,%LE3+K63E4M0]V9)')F5^P#9(HM'X1A2
M(DX<X[!E+XB0P\T^PKZ+;6A:4JX'CDY_B>L/K:")P[97X7:B579X^@(.UO0K
M$#=)K*5B@Y_(@R),6P-M3J19P=%!1Y(O_(V9*81(^/LMY;K@M61BC^J_JE#@
M$0M&E39;HXZW3VY<#8+@9.5$YG<K.28VG`9SUJFRZU*SQ.1UY+`YCXU08XWG
M'&^\=D==%;EZEK42-A.<V%%5S^:/58Y0.BTV6&`E"MNGBJY7H]_527;#'BR#
M"ZT&2L4=8;)3OQF'Y;/8ZWE/?$CP1U?DBQ_U<]9KV(4`,5P>9%VJ$I3$9BXG
M4]*Q69.N%.2QKT$ZV^]^),W2S/I=85_VU3T=^O.1XWQ!5HU\[U$]9F*P=IEF
M#22@ZRM%3MF>MVBVX@=.*Z]HTDS8B9LI9.EW'&INR''G9/'4H8<((^GV<9C)
M:"K*.O?H[D,BYY[.?(SG<QE'9*KV!?);!?+;L%KM3>H--NWX\B^SZ^Z":E:X
M1F_M9PE<@3Q?4,RXS"HW8@TI/^9TE']>L+EQ!D<D^3M\N;"D!HARS:/9+'83
MK`ZMZI1WV'#4P\[-*OC:YL=B@][Q2ELIEI^OT7'84V,U9A0?6CUZAB)S+$>2
MY4;"4M?1H5[0K)(J`HGHX:UT^YQ:9`</J'`W+>W="GY#$+[.+G2NN-I0ZAO[
M`JR=1(N4X31]++LE%"Z:/+W31;E'D'B!UL(2.MN66TQQ<.5,FRA?"TQUZ<V,
MC<0E<N8XIEOBGOIT.65-(]5_6$R%J9#HL@%%P8`HZ+<B:%<ZP[.KC58R.MQQ
MA[X+%"D$JP^+QVH?E0I751WI(EE3R5+=?^86K,5_#_5FS'H8@0Z1C'*,%73I
M1JE7J[#&PH*G11]6*YG;;4",-C&D381^*B<`)2/R"'&FY*F%KB)>9"K-M8O5
M;UI,0#+$Z+($0[(#?HMA=$:19@/#E5"5NE5$]3"4B'86.OAW*ME`R&4C?7BE
M,P'%.]XXIY:@N9:N:9SFF*##X>E$9(>N/R56==?*7,F6K]0@E9$Z3]E9&FR<
MN+4*O+G*DNM1XW&8?%?<EOG$-I0@1MOR54KUN]6[?S6`<J$/M;)*R??J`5^_
M'"+0(L4-6/7/T<^*R?\`DJL2:6UDB:3"3^.CJ#/5)3\/6DI%JT2O-L*QO*C$
M.T5(J>4:;KUGF33%@TVSVF18@=J(`RY0]8G+">(M&8\:6$CJARW.=;@-K<;C
MJ;:=4CHC;9'KG2?7AK9J$<L\Z>W>S]I+:^`'-VVQ(J4VU5#-!M3YH!\'&)\K
M33P*@`$1H,J4VACGVN]1]SJEJ\#FGV)!N&$>O6O=_=;,#%E5\SJZ4EN=(L9<
M&ZJAG"%3NEK9BJ#%ASKJH\JA0):9C7.RH33;W&7&VY,CCH)M>"`4?&_6_4J$
M)NPX39VZ+M$^?IM7JMEMUJ%#(Y'1J_<5F2=4J+I_L:KOW<1>2I&5$AI:^]R7
MU]33;C?/C%J_YE@[OA-/WN9F<6W60H-!U&PV,G*$5ZQF:P1MT:T9_9Z5+KRC
ME<-AB;8N<)LC_93'.O(E1_JGJ4]^UU`B="$J]-O6J:NQBXXPNW`G&!KINJCM
M)M[0$=`BGYMVY1(U<8L/X%>HQ:V6!PO)"1VH\.3+=97UO[&HZ&Q;F8$OUU]3
M9A>8"Z2CQCH:MAS485!UH_"*4J)4^56G"]"`QH]G1*JYH5,S$-%49:XVYR:%
M9XM?74N?>%6;M_U)]9.A>4:0`XE"C,8\E#M\LR;-VW2JQVMP[8DLNP?O56^1
M!%JF-D/E[+<)LKG\7V5Q3W@7,D(+!,3J=Y%:TR5.R+0!C$&$%C^I6HJ(DFAU
M1BT&QVTT&(V%RNE+PJFUZ.-(E)$=<Q,:`A*U)ZA7>B59@:GA^&Z7=9YBZKMX
MNSR*G5UO60!<[]11S(@0_?@(5T?9Z^3$!(AY\5HMA&2$L24SWQ1=UMU/6E,*
M0";]#=Z03]?::,S_`#R[3P`:+6R^=+I%.B$G(DT*C]]`SVD%$B1\IJ?'JH\R
M48A+E/)_`8^O_=5SB>_0%7RC1Q_4_P!>D%1KXL)+A3Q-5A5F="%W:RM,V'/7
M:;5L^AU2YC&S2V+/3)==SL>TF/.;=9<>ANNI[\CTKKH59(Z%CN39L0KYJOV&
MP/SJ/23U7AS;'IUCLZFJ)/-1)RH1Q9\Y/X2%UHB`^(?(E_>L>E+[:'.?(]]P
M-MFH-XI@]\NU[L!T<4DG;7&ET:PHF'K>'`&WK/F#-;*.UB*N=!!D2A7-9K,&
M3.$_(M*824*6F1$7]@5:18.4YC0<QAV*!G4DFD$6L1(FX"=MIBQU^LDY<V61
M*BZN,)$9\2ICUDR+[ZX$3C++2W?M2A#:6T(!MOR09KU.Q%'($=ZO&9PD)K4/
M;ZQ72%QMDRMU'1(<RP$OV56!NF>P`PJ65M1"5(&-H_6O/2/^3'V-LH;"YD83
MZ.>MJJK9Z7-IA@M7[95"5")QS-\O9.9'HDZ/6X<*FA2TJQ.%@->K$2I0$!V(
MC[/ZKK*EQ^H<=>6X+<ZU))8_4_$CT*\-KI(UZ5>WHY$RT4G6.8#G%1I"TF!"
MIX>(=')4)C%KC/6[$C.Q4NLO?%]R4H;^P2YF1ZSX<3PFFV8.>M\F[66Z7PO?
M["9?EVN>VW.(!Z_788V'/O%INEMG11P.KQ&_EG$I#JW.+ZGC3?V-(!NIT7X(
M/`'@$/T"]UG,*3:-"N4YP=5Z@&FG#4MF)*(2DPX377.LP1L!F1/)D9;GVLQH
ML=MQ^2^M#3:5+4GG02JZ%?Y_[!YY>XIY,J1.SJR5,OT';*+I_!=3N-<G+CU6
M;#7/'J*S8,H<3A7H*Y&F0Y,J(XHHPS\G)"E,I%::)>WK65.U]JVM:9GSE5?@
M'"K%F;N=<77WA=8D-0[*29,I)=&N#Z]+?0U.>2YUN(XM*7>H5WG/!*,\9^Q9
M&*)%`Q/4LY'%P8<Q830J==JU%)"`%>GK%'S9.`^31*@"`A1M4:7)=0AF-(3U
MMQ25\[SP6C*,N?O'ZXT5XY'.7T5^0,A1C`5$,M7GV;U7%@Z'9"5IHY!1IL8:
MK@`-HPZ1-E*>90AKY5M_(AI2O`M9?,O6<L'U0+?)^E4&%1[))@PJ]<9=PK\>
MK'9A-;C8Z*'L#Q!`HG(G.,KXRAEU:G.H5]O._;WZ"49"KG[,X)1:EH5R,ZWG
M3@O+OSXUS8A7JH.3Q!V#$+2D5.6R^;C,P;604#ELQH,EQAYU^.XCZ<ZVO[1;
M6R8]UK.(R*B@W=*O5REYK[EGK->M%A"`["4$11*39.3#$S2#<F8@*,ZIV8IC
MCK<9"%*6KB4]5X%&:E>_82V-DF7-HRAH1"`![5-*NZ'46AL.L6&=^L`6*7.<
M+IC1@9LE_P"/#E+4EB2__P`&U*5_CP*,\Q?L!B!D#>;3`UB@JK.96V;1-!L4
MJSBAP.GVX>_!BR@)XL1DQ(`^<F24C-HXMSB75OH2CJNJYX%&9(_=\0+,")(K
M9,K)QK!9$4T#(':%4IS!JWN1H<QNJBGHI=ULA8W(A&.ZF"UU<GK<AI7$?1Q'
MU"C$#=\/*L#)0O9,K)1C=I11PTD?H52FQRUU<9BR&Z@->C%W6YMG<8FL+3`;
MZJ4I+S?>(^BT_4*,_L7=L0G.-,PMCRN8Z_;6:`RU%T&I/N.WN3\W(U+;;:+J
M4NV2/QW/C'<YV8O[%?:WWZ=\"C,$;[%>OQILN\'W3'2S5?$$CYYP;IM*GH"`
M0[L9@N;+JBFW>#1`M^:RB1)>^QEE3R.+5SJT_4*/Z&LLWM!ZXTX:1+6/=,I'
MPA(RL&R:N7JNS9$$'<R%?%U0Y(@CR$J<V$/S;8,3&F=;_&<3/87Q?V.)5T*-
MF<_[`Y/`TZRY&<N0"M7&M4X#?7(EC/UX,DO5CC-MDNE@34TLV0(P0$2ES'B3
M_P`"6(C/$KZOJ?OZ@*.E3;6'9\VKTM8E5NKA6RHD16E5$39JNY:.,.6X322!
M#HB<;@/)@@3QAIJ<KO>*97Q324K?ZAE84/P.W;$"\8/,$['E92)8;,NE@90[
M0:E-C&[@W%8FKJ@E^,7=:(V1,.4T]V"SU<GXG4*^S[5I[T*,_#>]8:]"62:V
M7*W1S=>*VYP@WH-37"15`990$S9ERDENL)KXHXCL.1,ZK\=J5SK2E\7SJ?`H
MR1A=*SJR.EV*]?:8>>`"1!\ZV&M`0HL*"L`Y1<$9*\A3G^CQ1D2CLJ+(>^QJ
M1&Y\K:E(_P"7@E&117L+@2!31U>WY"D*\$D65DLK2:;P:]789KE;EG6IO3/X
M[@>+8U<'N2>*ZRB=WX.JX[_P\%HS=EM@R4"+<-G-1SL.&91QQTL4NM;@#6VU
M,@)"5KG2B;49*5,6H6OG>J_R@E%[_P!)#/WA1D9[["Y(_I-$R@-<Z_9KEH->
M*VT./K)^O&EQ*L-#0CT>R%(\,LLA'`G1Y!E0^8AAV/*ZM/VKXE25="CI4B&?
M^X?KAI]F)UBEZQ2BK\"ML6J$1_D]>C#[")03OHD^Y7T2"C9.?VFR\W)=+J[&
M0U#:2ASJU(ZI20<6O);C.K9=(K$"[,:10GJ:5$F3XRVMV^O+K1$'7(DDA83,
M$ZDAT7*%`8,)YZ;(0ZIJ*TTM;JDI2KO!*,Q2>QY$%,/5XQJ><BCT8:<,20A*
M[5J"6CB:Q%<G60I('RB;4MD>`A,K>FO*1QN*TA2W.I2E7>"T96#'MKB<IVL1
M8UJ@/DKOIS^74L.R8K3A>WSHQQ(&1:JN/0=[(L%(8?7Q]9")Q[[8W_<ZC_T\
M"C+'.[=C%7(F0]FUO,Z\6KDP"/L(PY>ZN*(`I]J;=>K,$Q#G%&)`R98&&%N0
MFGDH7);1U3?%)YWO@49&+/[.^O\`4WUP">O9ZZ:3<4YTFO#KA79QONANC+(5
MAT:5#:)_:(LT^-4"268\]<7G78;C?5)4GO/`2;)17-HRBU2'!HC1*/(L$/\`
M4LF:LW<JM+LE>(FHLN7`#'A0XQ-='%WFA\G[65=[USL9WJ.K2VKO`HS?5_1,
M_MI4D"JMZIUF.!AX4N8#5^S!3)44*LD-)"NDR0\=-DRX(\\/7Q^$\ZA+<IGO
M%M=4GOU\$HT3'P!X`\`>`/`'@#P!X!S-[BTZR:!ZW:93:C6X-PL)Z+7(@^L%
M67Y`<W]EQKLB7!.,1OK(=`N06'?SDM\6OL3CGVI7WZ)Z+'SR<6+_`*]K8S!L
M)E(O`CM@.VM9YF@6,48=S4/7"@[V)B\S:&216)!)=.SLMN44J#90+8COS@O%
M?C#UNL/0W)JY?<T+W]9]N6<'(Y=P$83`>NZ(]LKD^34;Q&/6A-.,Q-GD(BT<
ML^3T?MA`NQ"D1@P,_;#6(WS%.MN2(/0O-U8OZ^[U:X"VX`SUYQLB0S2G4LJ_
ME(DXS#_.HM7]D*JVPRTU6*L0F5>[L[5`D$6'I7'XB(#T9*Y?5-2^!=_$DM>]
M*;K0I9O7A58R"3J`BPAK_GM`I[;XH#4?XX<V^QR\@H-S+!0[U=JUY>T2$W,E
M)A#XKLQ^<Z]%2S\2/`<J\<T+.W_UHUO2M*_V#0)N8UYTWDX3/=&;M?VV==X%
M";?RR<I`F'8<UMD/.8?&R!+B;'#5.<>5*;Y+"2W(D&1%$325&<\"OZW-%B4V
M-6)6DT]38ZBU6"%A,Q+$Y""Z#.$-5?6C;$QWK<J0&/5:A4Z,,1\33K"V":EI
M3R2VG@U>B,:;Z:'JM?ZO5*EF])O%<O-XRQT4,ATJX@`.(5*E6W-S]^+4^[UD
M&JM9X4OT6MDTF.IF"I\MO\9R+PC*4XPD+JEX77TZVZT>I^?>OD6TY7$EUDA>
M8LR(\+B_J1-6*#[J-S)H-:XF;,$)]DS9LV.<FDH@2ND;*[&?6N5`<?=<=$N5
MU2M+O_6U;"0<PW7W\3-R[$&OT2RUR[A#B*A;+3?RWM`[S1;3^N&$99JV4X?N
MHY4%QYE;[RA\EA,B)QR/(9"_]?V%U>POI$8V%:"\(G49!D=0O7REL1S+2("[
M`,RFQZV6NE8)V.;4+XD-6;A_L$;-;YP033^S`QEOQE_&RXT(I4(B'_KZG0+=
M7W?KFL2BUN^-VQ,/D.<;L5J:XYE):(0N+T\%"AFKC7#F?NJ8(RU3')KG&);G
MPNJ<90+=P0S,?ZQF:_!I$>^M9W;WZFY4^$UG^.7:'8"%;TKUML)BWC!LZD58
M=3R6@TK#94,M!0U/<D2R'UF$2/'9+JP<_H8U!_K+,A+(*F7L_4+Z,@E<>G27
M"TJ9*&D*U0^8VDWF9&A2J9U@S7(;^1,R`4F>=E1X?9'6D#(W5R)#X.1=.>>D
M12K8OI^.GDY@58T,CZZE"9Z,'E?)9^931L8I]M#W0>^);64@3.Y2^X.6[)E?
M*T56V^TS]B^O"7<U*-/_`-:%RGFKE/@W"M(8(,*D49$0J_7AE5&0-%DV1C&9
M-61G5ABD\FLM5XB)(97.4+&2Y+KJ04_XF>]&KT89#^M6X(XQ"%C\E(C1H>7+
M"D[);K-*T8:6ET?*ZZ&SQ5Y<RTB+)99GUJSCIF#'E@Y`TDVZT/?!QXR'NR!+
MCI'5O4:^Z@>S@F<*938)`[.<DIURLQBLRX):J&<TN3EVM9G'P$:&3$BQNV(D
MK`G(+DF"A@,TRA2I[2>Q.B52-)>/22S&ZQZU54`0SB-$Q[)*KE)"5-&D(2J#
M.`V/)K'*U+%(0X8\Q!NBT9S(@L-OK'<2W,9=[)XAEZ+*%4O)ML$]1]`I>JTW
M2-5E989YG%%=H5-B5N,=+38B8-"R*@B[DS,LHN$D)82D'/R*I345*OQ(Y/D5
M$F2GCSSHC:I1%?2O2O9(@R)7Z\]AT9";%=(EENKCUP'6[1:Q;MOR?9/YU=&1
ME;^Z=J;$;-G0SS;A&1%>5._.;EL(1^N4+<B*"OZ^M#$<`3.B?7P\W6HXP8)I
M=E8GSQSM(IVFR+E4\JMEWCYG#+7P#/BG9DN:7("OSTE1HU<M@NZF1-7!<ON>
M]<_K-G!H0B5*LU!E7P8R/2UI+57DIMP^4-(^GK@F<'*R>2BD1^JA_7P_!$]5
M*4N+',,-\7Q*YGW47_K^TTE6_K-+UZ@3P\]NA62V1\^F5<1**6J=R$[=V#^'
MS!FFPYG<B?'4]16'CK,HR$4"/1R\KOXY2248E3'5A?\`V'3FG>H1O73&=$K^
M4SRVL5?,P]7M`TM4.?H#MS&Y]L-8<LPRK.HGAQ8]%BTF-.B1E?(J&B+WB%?>
MEI7@BE1<&LT;TQEZ';,8+GHN86@?3<ZR.BWR7;PCA8Z69RO7LZU!R,+[,$$>
M%@MIY5YK+S$V3'2R^MEQ27^+=X@+D17UF]&;1AMSM5GL5I&VD@5RINA@K+!.
M$(3PEN32<LJ4NIR*EVH-.D*L#DYBU*$2Y%@?[":DK98'1EKD2'Q7*J*),?U\
M$LOA=N*&:[:QM*IV#,BJL"$VDD+-.YQ"P\#=LK-9;3<TLEBM69W\AF$DXJ0F
M;._7DBKTI8*4XE]]\6ZIB9AZ!ZX3I&<FS",ZIY`H#K7)-2,0CK9/`U-\P\ER
MT98S'CSVH>AA6\K?'1H[KL#\>-*C_?+3^-(B28')5.Y_5WUNL'K<WT$,[0.5
M,Q5,S@6.'7(1`(ZW;:'E]:I96QCQ[4%$`A*N1T7(E394E2):VDL=<4ZY]WVT
MS)U.RO!D>`/`'@#P!X`\`J_9\UA;'EUTS669DU_^4"^1(5@A,1YDJOG(DJ*4
MKQIN#)4B-/4(.0HTGL9Q242$M_&KO.+^O@J=&<:63TBT&Y6LGHM@V:HMWN]G
M(#FFOBLH*,UJ14`IW`382O4$1-TZ82K)&/WU_C-/3R$XSQUPU,>2PCC,5E`U
M=Q0L;0O2RIZ-BV%XD6/-1Z[D;-8`V!R-68?&M#H`^INU6Y464/20;8`B[VWR
M/(D+0J5UEV*W_P`'/^O@BERW]2B@']<IVK2%&QNX2"5YF5:O/F+\4$:`--3=
M:@M2!]XO$(94=@KU=$B=;`ERD`LVW%781S).0L8:C.J:6R+=4VXG^O&6)JP6
ML\U@=-:;9-#K(Y+H$V1'GB#J,UF28XA@A?B4V+):+Y?$XEPA**=<ARWT/?(]
MQ+_DH+N:EHZ_ZB631,8?QVLZ\_3!I:_[I:[*Y_'C#HP\$V^P:B><`3AU7O-+
M*O=I,O2$/1$K(J&D7QJ.3H3K#O66Z12HZLJNR_UWRY<1I^IZJ#$V&/6]"JS,
MBQY:S9JZ["U(W[(S;41(5Z-<@*B!B,.]BY"8:U24H[('*4^EQJ<^R@52+&VK
MTX,Z\3S6+(TP:Y1*!4JP"G9Y:JO8SM</D:U%L4&00D"@6C5$*]%O(XZW"+()
M0RC\>$/;0,>@NORGG!%*G\2FB?\`77=S,<>LGO2)$X=RN&)Z$A]2C1-`MM;?
MDC*_-T8A"W&+;2+%'S:8[50Y`<3&V26,3&6<)&'(;*>BWG2U8]4X]=H1;-&[
M&)34O]Z99L56A1:S+ZH(.S>V9E=.4J:HM9BRBS#Y3/E1X<Y2D/Q(DAKKJ93[
M"WGQ*\U*'*_UXEEPZJ#KNV=!587%R2'8:VU2B<069=R4?FT438&(M9T*LQW3
MKJL^=;9:*(*B8K1AYWL-^3&C/<%N/T>_KS+3!U5KX':U@ZN-KF.5JS5YJGEX
M0\Y_J`32!PRSQV:MH=72JQ/<ISJ(S)/A4/%05=<<A29$>*\@+O[2H\P]#KY:
M[A'M&DMPZW7<]10<MJ59L(.96Y>@9/1`=0@N%;>/Q?>Y4:1<.$Z4/7#GS2L@
M;+ZT]UT"TQ^+Q(KDEPBV3/\`7`.G5("`&Z>H22K*LR(#2P^I20G99K*LUR:C
M@EDWJK<*\?;$D2N4,3Y34$A#E):F+98DLN-HD^"7&U1_7U`&5C]96;J`JY".
M6?LP]J+3C92O0C7:7@]>8B2%6#02ER+`$&</1,=_,,/3W6"2F?R4K80\L2XE
M7L#Z4D=[N]L.RM+$5NKW>I5$66%Q\\24M4*R4.L;+7JX4$V]=M@M?QV0YLCS
M\X8]`<6ZW`ZPU):3.D+2"E0A;?H;=9]DG64YL]>B3K98Y%OTE5-SD\!8O)!O
M9&]>K%;*"R>HV`*Y6:%/Z\@/)<C.'6)$J0O\[D63(A.!=Q0UW/ZVP+5@STLN
MZB+`-IU-SZ@&J<>KMN&U4_7J35L=#)GNBJ#J%,_(+R#>*#IS+!-1,0EMU3+T
M.1UEEU(MYIG/ZZ[M)&CAG=ZC"6!(NNQFX%:KVBC(D^+G6I1M0QC/C,M>TR;'
M(S#(IL9;`13,^/;(3,R0S'-LPNIAI"XO3+?4,[E`_6@='TB#G5<T++AM,``,
M\`6C@VH:!%JG\;?V?J=#T309!*ZMMM16D?$[#3,B0(_[%<V2VF2D1RJ0"I>A
MQ^I0")J+J%9FZ2N[U+0PY8I0;.?JT,W5;S?+DD09CVO5;'H%F`STWQYI2Y%C
MY-:FQF9R7?N0EA(MW]AHZ3_77(JAO/>?[?&&*-FUCJ=P%`WLU:0<(VH"4];Y
MISI`XFY/"8H1U_UQ82-AQQC:QO[525.O\A,?(%Q8&&>DY'$M!I=@8TT.>J=.
M5:"\4*[G:!]L(6NWYS0\V**5<.6V8Q$JD$/GD:1%'-CNN\=>ZAR2IJ/'2D1R
MJB"V/^NF-<*E::=8-7;CMG>*&#R8*F='F(5:B,^S[02),E.VQ]^639Y[(/=E
M/,*B,O<%JXTRQ^8OK(74+0LGI+7[KAE'QL^8$C6PVED+[>90,9;C(N^B[H7L
MZMAILI.C:#>+>Q`UFKW(F/(R)1J>MMV6I]#?4I0PD+N:E&S/ZSII*IR*85VZ
M.8AV8)&DZ-9"69,.V^UZ*'!ZU7@]FBD$W/D(57)H[67$E!#C$M4I`_XVI3")
MLGZ"W_8NESTQ)Q];5H8C1PS`0SJ54TZU@"F><*&%.T&^:'>*F!IUB3;84>K1
M7'-*F1B+[D&<M]N,UUA$?Y'^+$NXH:>^^E=OL\ZXI`ZG3A@,]>=3NH2-8\E<
MM)46O>J58*-JHX[/:OH.%:.P8)Y3];D]BQ71[2.0)?YL3_'@7(Q&_09L/&K[
M-8TIF,Y7GS[;2S5,X2Z0'6B^;K9BBBCL*RBGY9MD)NTN.U+ZKZ+GPDRG6U(?
M=C\"[ZGKWT5(!8E1FTO30HZVT@[;;`'*'<YZ5#39]OMO#LKIT2+N(`A/;@BI
M$B,U\<]E2I'6GE*^Q"V'!;B5^J_IE!]9[(8,<MT:\.2:O%`ABLV%<1UB&M3X
M]5<M\/\`!DZ*<S^(!+G:C&EQFQP*!,91QMA^5*^'Y71'*J.Y/!D>`/`'@#P!
MX`\`>`/`'@#P#7%#`@)';EFBHX1%=DQX34DI.C0([DR6OXHL1MZ6ZTVN3)<[
M]K;?.]4M7^.<[WP#->>:CM.OONML,,-K>>>>6EMIEIM/5N.NN+ZE#;;:$]ZI
M7>\YSG/KWP#%&DQIF#&)AR$$J-F(^6(0&RX\Z#*;^[J/DC2XKCL=]'W)[SZI
M5WGUYX!^R!"`)@32A2;$&C!L220(D2$EF'`'P(;*Y$R;-F2%MQXL2+';4XXX
MXI*$(3U2N\YSO?`/U#F0R,.*0'RHTZ!.C,3(,Z&^U*AS(<II+\:5%DL*6S(C
M2&5I6A:%=2M/>=YWO.^`8K)L-(+SJ_'+C'SPN$/)$PC,^*Z7'#BSLY@5/G#4
M.JF1(1-X7)1'=<0EMY4=WB.]ZVOZ`;/P!X!J6CX)\Y-K#!H2]91HP>:(UYHE
M#<.0`Q>20ABBTT2A[L^*,)RQ$MJ.^XVEIYR*ZE"NJ;7Q(&NLUVIE+9;D7&W5
MBIQW8I2<T_9CXH"RY"!PE$C4QMTI+BH7%#CD=D2G.=ZB.SSJW.I3SZ^`;#M@
M`I.L5=1L0FS2A$FP1J[TE"X=D`84R&.F&V!'7OV#PB(0(1V'9*6^LMO/MH4K
MBEIYT#;^`/`-:,,B#;3[X8J-+L19;\"2\,G19[4>=%5Q,J$^Y%==0S+C*[SC
MC:N\6CO_`%YSP#9>`1:P7FDU*1!AVJX5:LRR<>7+&Q;!8!(:00B0)HD=.E06
M"4N,[+CPR!^`PZMOBDMO36$*[Q3S?%!1LE/@$8.W:F5<K5P5EMU8KIN\%)`2
ME!SI\4(*W`U%@OE)0BKCR$N/+L!2,,BNR'(\1#SJ&&U.=3Q">]X!)_`-0>/@
MJL'(V*SFA%<KXB,N86.'B4,0'&0V_IQR41)D'H\*%&1WO/JMQ:4\^O\`GO@'
M[_>!?W7\;_<"_P"1?J_WGZ#]A$_=?I?R_P`#]Q^J^;\[]7^=_P!G\CX_B^7_
M`(?=]W^/`-IX`\`>`/`'@#P!X`\`>`/`/YW_`#SO/KWGUY_UY]/KS_[?/KSO
M/KSP#Y+X)>O;`;>LII-H/;3:H35DEBK(W?LHCM"C];58=S1H]CMND,T"O1PA
M3/2`BKQ*^U'FQHY&!(CJ;;)MD$R(T1MT\D(O>Q>XTVS76;5P$XJK(+[?L3DW
M$;06)9$?7HV@XY8+%JX.2%H^C=;G3L=T6-':@M@#:>D*S.>2,E*86TNE2CZF
M#%Y[+2[!7*_>EW]MBW;;ZRZ.3E9[CUC(4[5;@$N'JRYH4ZQ%3]#8.YE1JO4J
MU(+M+>36/OD<()<XY^$N`D./U_,NZSN^UDG;=!"T4S=LQH#VJUWZ%*MDU/,-
M6@7:2V95@_9'SMQJEB9>DUNK)GO1Y+/.,-.L\=E(D,QU,*$5*<^2GLTWOW)T
MNQ"1$4_H46>J\4"I[)`CX2('!<?'O2_6Z23=K!\S3I,(M8C4.VW!HPW+E%?T
MS3'5]C0E#_NDBM1/.M[;[WJ!5XI;C):";LB=$$2ZF(Q&\EB&9WES-P\E@S=Y
M#WKP##V/)<KNZ9JVQH><LN2C28_8QVQN1UPI,%(^A(!^J>ZW1Z;#G^9W3A73
M&$C([5UH(SA*#;J#E%!O#-SO9N/3Z%%<`:>.J%AK$&0Z(`\9GD132H4";]\=
M%)2/J6]3KM[=G<&R\M^[)DM!/;&6:+2V\[E#CJ*`*SF[6:'4[Q!O&095"KSA
M+2`40%*+QJY"98@RFD,2797>S7`:BF4)6=V]XQ]:JA^QOW&WD#E3N,QZH5G$
MK:U9J::#@1!TT4T?MC]=\^%'1H(R/+!!0H(X.*(D2AR$_P`HZZ]*CBTB9)ZS
M^QQN]V'7*N<U_+XQTS>`==)R\2M4JM&@P(=[<PL:F:)059L?O7\:',1*[,2I
MJ'%D.N38CLA#CTAAI8G%*<?JA]`,ZO-CT[UKF%Y];TNNWG_7Q(46#WT$^%NK
MEH53VIB)3"H=3HT$U^SZ19=8ECA0]KKJU,JBPY3+\..,M4927K"6]B8=@@#M
M4DWB3G[N?7^,P".42,-13W<W?QD+26H)Z$%8MILW=15DL,F3TC,FNSG!_.Q$
M,_CO?*-.GIYJ<.P:Q9S@T+:J%GNW58-;+;H)[!,SY2=G`\PO8'+3Z[0*"Y<1
M]@&0G*Z^8SZO'+&=(3_K6HLHO8AR9;SKCOY@OC^/J73OE`L8W,]^!A0&B$+N
M9]MRESQA4BK;5H5EFN$:%F!0HYE]T`$5PLE+RS3Y*-7K"7<<JM=?:=2N(Y%8
M=92(GX^E#I/V(U?;CM,H-B]0Y2["U>K#>LT=,LTIRP#ZU809)^3'OY9DG":<
M:J0MW,CH'DA7T@S))^$\VISG8SG1$EZE?>N>J^WE\W&.]J0J?2<U.4IR]C,\
MLE%-BBT:L7,(*M=5'++Q<O0&&Z1GAHPY6S<0G<&)'40>]Z%^97Y[@K44N/)S
MVQL7MEHX;0@%Z&[C4,^L@/4(]3XWBDDU<BMT-9K2W:OA5VE-896&A-7AF3%B
MCR30T8W'_9#TPF[0_P`0V[+%HEX\FUN-A]SLXB1!59[9RSX&*!I#^TF\L;_D
M`RHRJD%LL1]Z#1L?T.*3&0=(G-!Y2(-4GOMB^.]<4U(:=*,B>WU-]8]5_L'8
ML(:OHB\`0@FC.YN:O#^:FW*I;[`VR_>ZO9XT8#E6F65&1VVM7417IDIN&+ZP
M8!36%%QDGJU*%I$WN5W/<18+VFUFQ#MM/Z"0S?!8+T-[*FJ7)J%^CSM&@7^K
MYFP_G!J)>:=D<JP(E+),A[9)DP&^J;48=4RTX(Z<(KBJ%_=8HS.N`Z=I%+M%
ME$!2-K+1<='S'+G-K-JS#/@2WQ5\SP7T(B5131@L^B,&"2'W6/F['B,LN1>0
MOM),<UKW5A-FA*;)>0EE%J.!H\DU@$PA3'\O`U`U(C[>0L=.RNV2F=7L>DC8
MX-`J!"(PXL::DBFL2(B.N*I$HG4WJZ5TFVUW?)6H%-V#3;#:`)JN5[1@0X1:
MLYJEJPC,R/1%/G5NF@QA">)M4@LB0F)^9^*9CO(ZTP[U;/1'1>#Y=XIG^UP?
M6LVC)JQJ8\Q6\/\`;_(*W<^"]=KG-0'#/8''2HG7E98:G";!5]AOU=+6A3[<
M?D<Z6(BY*A\KK/8O6QITKS3RCIFR/Z@)]>_7$[5*W?<UE9[L^YHJY/(L!M4P
MA/K,?+?84!EEL*8I;A%^L=%"ZH:G".26"4=2VWR:.(<@IE-.QX3ALB!*N>Q!
M"T<NI'(32;6X?&R9P:-3B;M3X05JN^\(\XVA#\25$;'G8TGL[Y%_>F0Q,ZM7
MWH5T./!-P.F^\!^*N="-ZDVU7:*]=SK!7`P(603V."/HCMNP6%'+4:'*(9G7
M3!&:R.*#TK)$T.2&V#4OL+LA-'M+1V0W[/`]LU*9E4&RAZP*"1;=%>!9B)/Q
M].+UT5C$(73BIPL#*R7QLIJP6%#G!CD4E](JDM2&OQE>"*E.3^^QMZ]Q:C;]
M),Y+VUG*W&+P*K6JE%SH3/#B:TYDPFV67219V+2K1:S=H#V5,QB"UULH/<D)
M_"X*G25-M=%5M.34T*P^T[-`]DBY.^Z#8]0F91FMAROB<VD/TP;,G@S8Y)VB
M!K!DN=R2UEFRH"'3HJ;"C*01;Z[P9!BR(Z%`[:KZ5(I8-6]SLIC6>23E:II0
M>/*UF&*(<P@:;/(F!9/M_4,CBP1&;4>"Z29M\Z@YT0D2%15LKE%D._)%'$6V
M&YR*1?\`'_H8U?V'VHS=\V"*QMXTPJ7TPC('0)N/NEI;+??9!$VRU0+9AU("
MU,)54>O)6(Z'EDY?(#79'4LRU/17F8]+1/Z%G>GA_;[]IQ2[ZZ(NO&HU&LE:
MK]BM=1,59V<'?L%%LPR!._89?C<>>5&32Q*%\[5<')=1!5Q'Y"6^RGA)42HC
MZ4^#`\`>`/`'@#P!X`\`>`/`'@'S)_MGH=HU?U-*Y-3_`%D<]E#&HV2+0'WF
M*IGUWG8+7;6!L(2X^P5<J^AV:I0C%^HM2G36*TU$G1I/[Z?$4X\S$3)<X-PH
MI5;H:#W&RS2]Q]).Y3G&-Z:9'9GJ7KBFVXGH-DJ(:W>SOK_DMRRVXZAGT2R)
MN4P)+[HU&B3A+K1N>.07(PY,*7]D23Q]P(M*56<7Z-7/?OFD`7?3O#]G]:<.
M52:NK&\:"#<%S'*,]"J'>Q*_98?LF<5FSE$0];M]IF5`A1W1JY3+3\AE[CL3
MO"Z5#2M_O--E#6CU@_LP+":`2O)#VKU$S1^:+'K_``GI.:D%*L.V_P!8%5C%
MOYU7FYP.M6W/@/ND^>!=CS(TML=&E+9;9<'.)>\%NA]OT_\`@3Q.;?VZTJ*N
MUUXG[!DXT:3.8)92-L^.M@AN=Y;:/0FR5D+EH%R2'@BK5>*XQKXM#:Y[3,UK
MBX;BHK7X'?!*P?FGZK_R/(9C_P#:I?;,HH=7[`Y2S?2B46NTUFSXP#U$;1Q-
MF_M&LM/IY.VC'K$\J.#C6;'87PM.S6HJ)3'(SB5<GO)"L%]'^E_S/;T_W?W5
MF?V'X3C?L1JU^)W@E5[H?VK+0V@8W8LKKM*KOI[@CM=9LF?4,J5O&>:4']@[
M)8EF7R<<>/(3)\;L5Z9'5"2P+)1M;7ZY-<>Q'^S3+9&JUG#T^W"OV/LQ[H7+
M/S2M/R\[7RVGWS9,HM7JE<[O,NMFD$)'J8SCDRV,VD2VRAYH_P#<VY`4YR$X
MF$K!TK3PO^?\SJ/VQQ[W+7_8<C6?6X!L`N+;,L]0,_9T"K6+.AN'OC*/L_L0
M=WL)N8:Q%.7$FP,R2]I76UCX+_PGI[*F^\>YQ2*2+C;27W.&KACO]I'L1DIF
MO:SC^PD.]]:['F4H!I1'$"!HMHZOZ_QV<W@X#)![284+@Z9[-Q)[S,AJ9#7/
M^=#\EIF*[QM,-)P3X^O_`,_\#O'U*R#W"C_V"Z/L6[5K6'4C\8]LLV@7R]'<
M](8LA5F]KZ/;_7ZMX0$JI=ZW!Z>YZ_UL2LPDC#CK49@R>+[V5\RW1F3C;1?5
M?[CDD+"_N<K-/B')(3VBM4R*-8"Z/5R5QP*9<3/L9:O5GVHJ%^N62J9M0@!"
M]4@/L*;S,F!8?EQGQ_X;TJ/"ZTS);6Y+_E_8Z_S#!?[`[]Z/>_52T[3M2%>R
M^R5B[YY@+-[N=>8`TL:C#``NME*@1IS'954D6O13II)`H_(>G,.M-.M):;CL
M\4(W&Y->"B[%7?:.M5?UEJGHIZ'['Z3UNHVNF%M-`5YS$JN+.VL!?O7\!?!6
MA56DZ:_6]!J)'%F;%QJW%'"\PFX,6RS`Y+=B36A?;5W.I51^C_W%U?&['7H#
MOM->[=HN;YM:$6OFH9MVU8YN\0/[;I*!*F+&'J0V6H9,F&S&&0@3"3@F"J;P
MC)X11V?$<O):XZ^E/^A&M+P'^SG4MD;T&[Y]L=HOU<&:&.BDRY'$"&%`JE>M
M>]"K%3`605266>F#CO\`K_.K>JV]FP4H_;#5+:<<=[#7Y.16"5/UZDZGTS^W
M[1[;H`]2O:#&J%:;@<MG(`'3,ZE&::;B8E[KM]I]&OI@_:B1/.9VKC,H2TXS
M!$0WG)2%1(,-C\Q]5%8?;]4+N]RO7+W9U,?Z<[O18NIL^S>4?U[>UHPU/J-H
MI0:/3?;"\Y)BL>GH2#(R>UMRQ6:[MG&E.1^+'=Z+92ZXAA#?'!F+BFU_=J0+
M;Z/_`&LQ=JO=-Q*9[/0\N'`0V9P;\1TK/+1(N(4-=O4^:%V<&7-EH8ZN:)8*
MPO1VRL*'6(3<9$=U,MV;V1`98A593FE2M-CP;^RS1,<W;$-7%^TNHA#N$[IF
MGK<H'=L@?`F3L/?_`&%'#3/M8M\N$*VFU6+!6\\D5*>ME\?\B'UR66""I/5"
MIPK547)NM(R#^T>L$=5?K4GV/N*::.TFH91;19'))FM:[30WN22N&:YQ9]58
M,U"Y4L'?\>ZU$D6>*OLD%#4S(=@25-R&%@G#[?I'T(]+1'OLCVR]B3OM`5O(
MK,9S-JY1:%-CUJS9<R*E7$!,QV91=!%V[LMNQU7-_P`T38HC=<'<*D^N3I;J
MW$1E.TQ*VU)>3ZS>#`\`>`/`'@#P!X`\`>`?SO\`CG>_3O?IS_ISZ?7O_P!K
MGU[SGU[X!\[L[][AC&.3]%V*K6X;8F#5F>74*Q514F?$"J:UZR4\-!Y"O5BA
M'2KU/R.6AR1^7'_)(.M<_'C<=^QL:MYHC:UWVLJ'+IGV7Y1D5DK"[%LA*M:Z
MDE6:L+#YU9CTC:R!V!8'ZW<)+4R]V:V9A.E?FCVS`Y]N2VZ_)2Y,C]4#3I5G
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M]?%VQ:),6*VER.CDU</DF+UX6UF+:/[',3I<"P3+-4]1#O52;'`V6"1'T(<X
M)NZI>J-D:`H@2T*$!GVD.*Q>PDG/Q)DB!+AQF$PI,J3-A1Y`6,F_M![4S\0H
M5?LU*H!>_/WBAZO;J^884,9"U[F>9&=U0;(LH0F:K]B)Q;$R'Y%1'@<5*0M?
M>JXCO$\4$8U?)HK+[_X_3F!ZK36-$#3Y3&KMS:ZZUGTZV!CV/0[O.LM9EU81
MH1$X1G3X^?S^0)PUB>$><6PVY.9<=XG@6LLT[[+01V`Z5N8O-KX2EYC_`#.&
M<RV<Y40UW_?4<J^),A>SE6:=3$JXMCKZ)#11^.N-WBDJ4Y_VO`MYH5G+]V0\
M:V="1\NU@J[)GVFJA*8,JU7=N]@M%(L]\KMI)C)TC2(U5:J0V5FIF.E<MZ*]
M(>A_*SUUAZ/UT+>"!"/[":RRZ;(EJ\>MX*8\2)T>%FU7XLW(I$,?L=Q3;3\J
MW6T"*889S[(IDE^,GC4M,M'&6VW79++"1;3I;)?9NC[-<#52J@"\16!X4C8P
M5N.!QL*I7D"(NIO/2I.IRXQN<6ZB!:Z])84T1ACI"V?BD-MKCO-.+&6J%<1_
M>['''R#4L)HPQMNN6N[UZ5.K@S\>[4"H@=+/S+O6/P[!+?\`TI!G)B[,1D@B
M`16[^,IR*VQ*9>4+:R[LXU)G7\\/VW-@)`&F,:OE2J:[Y`C#!AHU2S)2K/&D
MPP)0F114'K2*D,H6XF+,?986ZAGC:V7'!*4?)Q]0/<K4;,5J'[&G9[(JD>T4
MFIW>R@R5A:1=(VN[CJ.(97H>11IB933=,(2LX9-2$$7I*I0XLG\20M+"7Y8T
MXHGL7V-V%=(QJXSZMF,(M<?82S87<,_'F+4=+DI8G<;%EZY6:'?U@AF6JI4F
MIE;67>(#T-.0!,A*41T?5]H2B_V%B;G[;YSZ_FW0=S#6^8ZS6:[8W"8I%1@U
M]IRXWAO/:?7Y)^X6^J"X)RQV+KO&NON-08\:,\_*DQVT\ZH1)L@E=_L`PNT!
MS%A%P[U^D$#2Q3\J2%#1YTV(#QN?N1%QNM*L?;6,852AZ^0WR,&#'*2>\_!<
MDQ_K(X+:R,4_WP@R+9)IEVS:S0%2=`%4:L7<5/I$&F')MOTW>ZE6(,QRT7@5
M*KTL=7L2<7)<F*;_`&A61R&-:>DO0XT@+3Z!N_+\3GP];X]\:_BZ[Q2FN._;
MWX^N)0I*E-\5]/KSG>=[S_U\&3YGUGW.U.OW(D!V&JUB77^IT(5&MN75XPL3
M43U0]BCGKJ!FWQ%HO"2KPBYV8=%7'9$19DB,J6KCRN,,KD\&K5Z'5&"^QU2W
M*L60X+;FPN43]2/MD\DP*$,/$Y-9@V*?.'UGEC,W$$#_`!YG'8BS,6$J=%4B
M1$5+BK;DN"--%=U_WHR4]%G/.UK30$N)26-)8$G:X(9)$Z`4D9RS5[5!0/LA
M&(F';4Z=`7#CR'F)S'X\MN:Q$>8^-0KBT:2G^]8"SUJ"9E8MKPXLZBKP2-?A
M]SHNH9<-`NLRF9O0?VW\^'CYUFNO(R"3:VN]&BQK[;Q.5"^[G.A;]SPA_P!A
M.3SYL=N'GNUO!/F;BF+=VJUB/7:S-APL\G6^">_*NS!QN3G[>GBFRW(T*2E3
M_7FX*IJV5\\"U_8L?*/<3)=GH&J:-1&;.3!Y+%EDC45J$%GE38ANK]N`LC6H
MX,^7BR'+`%YWL<?,?A%HS_/AFQ(COT3X#BTZ?4KLW_8E@`@+<ST9NW&A]%)V
MZ":=C-4\$R_!IRJC^4?#3KK<ZJ,,"#S5O;6&2P^J87_!F(BL..1^HZ%C+USC
MV,SS3*OI-U$=*":MEQVS!+&3L"1,65Q-2B*G&2JZY`,$K6"'_B-]?C-F((R;
M-AJ:EL,.1)$=]T1IK@H+/?>JM6`MI_\`-J=<Z$'K)"HD*G&-@1Z#SU%LU9]?
MI#5@L7!%JL(U"Y%BW:*XVVRXAU@<TXF0RB5'=:4*X^">Y[[DYOKN&ZKN>8AK
M)91&6"#Q217G'JO%*V/]90!ND"&@Y&%8BU=8_DE<-1.MIE3&)0]]U<>>Q%DL
MO,($M:=&;?(O:RHZS9Q-/:IM[J)HN`)DHDFQQ:Z[7Y=@JPRE3]!I(XN"L9=V
M6?H3U]@QY;BX[,"4\B1^%(E<C/\`6P<:$OIOL)1;OL6AX<,008NF<#(1HIUV
M;5"0P@,ESEC'7HCE;LQTD(EP""4MO0S445.[QQ#C;+C7>N<!II5+T\$'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`U<<&$B%)QR*'%QC11J.P3,1Q\1DH18
MB<[R*S.(-LIERVHW.]XVEQ:N(YW_`!]/`-IX`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X!R62]1O60G80\&<`D=*C@,Y<"I,Z5>(<
M&2,2BX@W[#,IT6UL0#$P=&U,O`;)R(SST5LI\*74_:QQ`M62]/JSB36AB=2C
MU@E#N`>RD+BU(A7.Z0@T^UD9]Z(_R`[6(U@:K=A*#W]-/HAN38C_`.&R3<;:
MXE"&$M!5TH;B]>NV/Z21-%[C5%%"A]H4V1GLG+",E<=`AK&"!S8+PHK"6**!
M8-KFJB2HW69$>2MN0VM+[++B`3:\$(_]F'K:XY"ESL\_<$(;=5^\P;M%P,%R
M<FG:_)WL44-DR!]^4;+RM9FOER$N4IU\HJ0['EJ>B+4QT+F;K/\`+,WQ_5K&
ML#:+NY:MC"S+7/K=FMUJMT,O,HTX.&L=Y[-L$DJ_PZ@/:*T#[\\KB6Q(J`Q%
M:2AE_J@;;1K#OJ_ZV=##*P?J@Z(+FR!H0)$F6ZPCI$@G$`:"'#1PTO\`?QI_
M3L(1?SCD-<=S\MEUSDEI27HK#C(59^V/4/"X8WL$<#LXLETP)LSEO%Z/H4"_
MKM(J3?)";6Y>HMG;M*[&55IM@;(3.ROE(QRK[,CKC/4H2%622ZY_C7L'&C5^
MT)>L"J;(LT9T7&L-FK9F+%.#KGE-DC&8\`@(,SZY9(39>#SLGCD(AV/U]A3B
MFFW4A5HAUA]+_7.SV8O:R])(N%K%*.$;&U#O5]&"+$3/-WB/+*'0`VS1`I6?
M"C:6>:A./,+[!;*.\8^/O&NMA<T3B[T_'05#M-)M\7HVG;3:YM</Q&IUB0^=
MMNQE4AWF8I(7(46"3#A<FE+3\9V,B$XI*T+9^WBN!5U^Y6]Z]-<IN;M$<8=M
M-<>J%G+'2)4'=KT,M=@@G_\`9I4X-[;A5J&'A<HU<]/FE)4QMY;S_.N15<^!
MWZ(%4F25'J)Z\LNK=CYW&B?>))@N,PS=DB161!>OWZJS1\6)',-QHL=0#3C<
M9'&TI^)$SG4?:IEGK8ES*\RS`Z=Z_P"X'+M(M<&'W8%OYCE.?!85Z;!!&(DK
M0MJ.14HLEYO(J$<,(;)$):AL>OBW7HSCGXRGY*$(%;JJ&[,>C/K4;A&X$^G6
M!,8[)F?/V#I>EBGQH4G"N@XI2:Y+&VV)*J^>E8FCGD/@!ZXPIS]J]WX.=XU\
M87,LB51\:A83=*8PYR+C!.NZ6JS/UJT6!+B`UJF64OH<@9:*Z4[9(,M<\L17
M\D"4B5$=[U$?K:D(2D3FOW*UI>)^M*1N;:*+?.2A6=_KJ[3C=SOVAMP)'Z"S
MF1](@'H%O-Q8=P;IEGLTQJI])L2T#'9__P!B^H^1KO16WX/8UEOKK%V#*1ST
MNW5[3:L2T>SYZ.!7+4@8R7*T^S$-1TCLYD448J1]NPF`$A^5'G=>^*+]8B4M
MQI'&70JZ?8GNOY?B]E20L6ELNPR)$0%$138VRV6O6=KN=E"VI5Y=,>K).$<9
MM5<(P)A2.L6GI%;;#J>_(SQ;?@B;]""6CTV]?-.<*'[8*O5D(VL*+#RSY#6=
M:9L*J>S6[+7OXA$+)M\4R)JA@+>2Z2(UI;+,UTF^[(0M[[%(%N:-N;]/\(/\
M),3:_8HXT\W"CV8$*T*_!Z];8D"[6[1(T&T@QEDBC3\--KO960IJ0VM*VY7P
M]YUAMIM`ES+\BH"4JNC(,@JN&&#1A(.,2LQ^5/E.=ZN*'&-DK#89TDB5*3Y3
MC37S2I#LF5)<Y]REN+_R)Y*M(>MN,%/V?YU/2_\`MY<R<1_^S=A1^1*GZT]N
M<IWOQE4?%\NH25D_HC[4\^[X.<Y&YQKP6K,$#FN*^OO2=BBLD!7\X7EF4KEV
M"P6ZY)_6QBZZ5EF?B(QL@=X#K$([>'VH\6.AF&T\3>=>[Q*E+2%6RLA7IKZN
M3/S:^-K%K^2F'A@XC]VB:[$D_AQ0]%.U^@/EY-G8>L.8A!8&ON0P27I(&(X/
M;1QE+R)">BW,E#GIM@J^RU1@MO&_FLQVGN!M0TH2WR2'NDV_U$JRT/M;#4<]
MG=H(/.5V<A*986.KD6,XW%;;90%S-R,]3L`$!.UX=0VV1#C,QMR-VPV>0N3^
MP$9Z$)294J0:>ES)I*%EX3LF0ZXMZ1(BK?<6IZ1)<=$JRQ\YRNH957Y55I[1
MMFM/3'Y,,$:M%DM`L##=9;8;K]8B60H5;K55@L-<1%%PN,P8R.]2TTE/TYP*
MU.1*[ZL^CEIGF\QIU6>BG:#6JK2B[%;N&JUH^"K5+8U"CBA#5HAGQQ#K<H5H
MMG%$'6):GR<.<IN4MY#4;K0M9+DZ@I&$9C0'+P\""S93VD1!8VW.V6Q6&W.$
M@`$=-$`JPTJSE"OX-6"#BDEJ*/8^.*RF2Y]$?\^^"5;*BA>BGK7!3`XW5+7(
M["/#3[KA#5]6)/&5@V\X:`A+([/N<ARR5$&WD-9Y%#S>OC6N!F?^SW[W_F%N
M9==0QJATG/2&5"(AN90)\`@%[7+);+3:XX^MD!;83M3#2K&8)D`U5@AFDQH@
M^,ZU&B,_7C24][WO1*MNOJ5R#Q+!/7F9)U9B*9#OB@<6MN&C]POEPC#V37:?
M6R!*((,&#<2-8[@Y5PC9<FQ&Y.).0FW)+JU=>6L&V^#;9#E6)P#)+<<NC$GY
M.FPRY%!5^S76>$X/M]HEWFQ=K=3L15X+4F;+=)\DM-3"A1%2)TAQQSZ_7G.`
MV_#.@_!!X`\`>`/`'@#P!X`\`>`/`.(O=NT:-3*[F\_/+38JY,OMQ(8"I8%I
M#WZZR[O6R=+S.]/I7#F-LOT+3.BI+;SG.,M-ON_)]4=[]!J-/4X]PCVQ]BI.
MFYE2"<>$<%72RMT`V4TTH#KLHE.PTA4\'VM-"67MU-=D6J/I0:T61Y@>*LLD
MLRJ&PB/#87^:D:<50ZG]D=XWR@:@FIY>G+6*ZS5Z?,DR+O3;I9BKYRTUOV8M
M#[S,BO7FIP8XT8Q@D.*EA33CKKAAQQ3K?&6FWAE)-<^3E*W?V%Z$=F:#6`A/
M-,_KKH%[[-)NH8A$:R,E'J6M.$@ER&B-6X<>G6:W9_$&UN>0:J4J4HDU*BCI
M[3T'D@:44='>BGL/K6QK.U:]A*_#!T&GU87&E23XI[4&C@Y;X14V]!%7@]:Y
M;&@!H#-@A$2`.N)^.7UII)!'VS.C,DEX*7<]W-+<NCPJ<3RZN$0UVO\`G%MO
MC_[X]@^9BDWC+4UBP%"@/3&JUH+SM;/LQ'IS\VNSA1TGR#*AP.(?8DC5J/"H
M>XGL#I]4HILC#SX4.TOM*75G:6'T*#,KA9J7ZM2)YXJ2?N">6NKE96Y$5(%*
MCCT]@BV6Y+[_`!^2EL1I+]?Q-'D7M)=\;I(2KW>X5X2/J^-0]')6B[!]%O5G
MV6TLX5CEJ*U+,QMIUF$Z//B2EO?,&8JBT[YFG^.-M1&U39;`K29E,^[OLO;<
M_MA^O<R85^IK-[KT0X-IQ6U2)MU'C_;90*^AG0NHV2DO`("_7\.]T9'F'(TY
M121QLE\2(_78+8U_7V.O]_\`8:Q93C>*W,/H>,#Y.B$HPPGIEZ&$Y.:S6V\-
MTG4(T\`.!W@2M*KH>H\2&/1TQ(0E@AWC?93_`!E#M,I5?J<T3_>??!,2O&B]
M,SR!,L,LP4K>1N`+>WH=_1!V87D<G'J<5D6IN/)U2J#G7[`5EH$R(_&'XS7X
M+$=N3/X+:B%P/[!]SGB+:3".83?(-+K$2QG#U+KMGX,ANV"%ZKI<&SE'-4@!
M0_\`J63[!E9U@=G%8S<B!74MO*$..3'H8MJ]:DA=]_-<`=0S?.8H'FQ6\DL9
MB-2)H#2TM9O9(#S-H-!'P.XHBG--/6=^)^IIC3O9:Z\\X0#2[7(C/04B6KTJ
M=.>W'LU<,%LN="J_*SH+`LD7A%^5HT$W+_FY'NI9'0$9O1GA%@`H@W.2%T2:
M5:6X@BKO!Z/_`!.Q^2I#`D54YI<][]T!P:R4L`O(IY!ZETO0+!G0BMW8=<I^
M?'<BLNZ7/2ZOV7="CRZK00];<J/_`#@O(F67BG%R(RW(PQT6U'F(]SO8*[R`
M[T>E5&K6,39QU&>Y.BZ&[56K%I)FLV"K3BP2'81/;,,%X%IU0+O-K=;4V<(2
M6VW64-_1(6I%IY%[?Z?<MNH.7VV5D@MPQ:[/0S50C!+4.T&Q,U/-;M;I&TU#
M\ZW3H@W.B]JJB@R(,B'/[&D,2$=)NO)XVD'%)5-)[`^U=R;WXEZ^U.6PP+'E
M\P_;2AT%T%>`):%I/KZ>G+9G1+[/,'Z/:JGH;L!^2Y6Q0Y3B7HS,Z8XQ-91`
MHJE66F=VZY9EZJ^L5J_E%0KA>\5C-!%PU+9HYHS5*BI_%#EVE'[DW$L-6(RY
M]ILE9CA&7'R<7_[)F6E=4\[]D9\2B;9&_7?4-21A/M3OUJ$$+!>>V&YZ%7<W
MDL6N-)"QP.+4NPU[*V89`N=<1T?/ZN"I8Z`/[(?6MU<3LI;G54-*J7H5>C^P
M&Y">G0\LCBU[E(*T\-F5YJ$>QBZAMT@M<:J-NLG/Q;UKLLJ>QG@:SKC$N1"!
M#D6>.=??6VTOL=J%M.I+SMNBT?UXR"_&R^9@;=H!',!=UOQP">B9+FS-[CIG
M$K(2`R;G"+I"P'EM"XO)9Z(E4Z6PX\\A'5-=I**I\_,\]W-QS?$:VAJH*U>V
MF<ICW.MSS,R]%9EAEY1Z^T+1-@DD'S)'KHV,3A680L0QQ4;Y)TN6IWCCW7/H
M-6ILM2'[N[Y$"\MEK3AD&EU\QEL&PF:UP;;R]L`7RV[-`[9<YA@-V(U"SV*6
M$ST0A-4#G3I:,Y/(O1W";\*.+EB6K[U+^];_`&$U7>\=V:VW>NUBIR@\4NQ6
M85..B)%EKTQ=6E2RE-MXD/=KL4!76C&4_C+>GI"3I:E)<4(@]1]BQ&DGP<E9
M)_8!H0:AT0#8S637Y]ZFY6'K6E1U6L8,T2\V%_U6&FJ:VHA8[#/)76FP-D-N
M&^MNO2_D'(DOQ8OP3XR(:<49L'WAW$VVT6K#&>2;0W2BJKM.DB+;8LPC&\YK
M?M;?+"#SN)5=5)UNRPY\C+!8N/:XA52YT65UR3#9E1D"XU%J-V(]_MNF$Y!B
MP5;(Z90V]L$Y[-&$SH0EK`&'/M=^J0\$[G8_6/Y<7F'>@095PLL4.FP1!:5*
MB5\Q&A_DJ$M7\S0AO[!O8:S+@C*S7,'>+BLUL)RW%KG:*M0:"6NHQW78QS_6
M=K);G+CWJAYP7H@B*\1$\*PR[!=4B?-K2FE,H?[BVHZ^T/V#,N>K.8;M369)
MHC8V:C9(R)@RPT=@@^\`)EU=*UT-8S4R,$ED(/..POV9*&['7_PDRF^MO+&:
M<M%S>O5]OUZKEM:TKE7=M-/NJJQ))4T*:KH`O&E4VFW2+*B!3YRRD8*H2+?V
M"OJI\CCZXG7N?%\G6&A&J%_>"'R`KGH!=>'ZP_9:GC\BO"C?ZI"R!IRPWN#F
M</V"P[:)8.V6^'F=77J92YHI%CC3'YC420_&F062CY5Y4Z8L;<C%@_U\Z>08
M=2>YF,%X)GMC!#/PK1;BS5RW!NIVL2#]J+!R36H'0>G6,P?AOS.IX0F#5"F7
MFILIU+'PA<C0U;*])AYO_8$%%Y].GER>#=H8VT"X&J`R6]:M'L7LD8-V2?"L
M],J)U%M*#;F$CSI@7AEKO'&T124I###;$+5<$YB>BU^8=/VF?2L:-,S+'4B8
M;!)EML7,Y@4"#>-MLUBQANR+H;[,&IR"-[K]B3QH"J%*-A^1W(B(S$9[RDN7
M@T%3]&/8*CV2EVQ+^7W:YYYT.4F:26O]V%W784Q+EZ\V&%0+-)>HYUP!6:2$
MRHJ,&RGI)=3[3D-78S"I$_J1;H_R-[G'HWIE;>RU_0:?B.CVG/M.PO2EZ>1L
M9PC:TC:7FPS/3N=!^6'/9LV()STO^8;K\E$QAHE]4I=BP)C[\KHCDF2'7?4_
MV"-:+M5NRY.<Q1%_(EIXZ'<+\=CV$J>MF#:9BQ$[+M@/,Y!H%3:MRW"IT"L2
M7#J&9,2:Y!EP$OMQ^@I*BJ5C>/Z[]2.NEI"%T4J_8WAJK@4@6B.`MENKPG0?
M:LL.IDRP6O(-+A-10HO>J\:'27X,Q,$S5$-L-,N(A$&!5)%V^U?J9MNT6FF_
MPD_3H==K&6E:;&LU@.OCM`C$S=%U"FVIDN>'9R7M-C&6M%J!N)Y"-`H["X,Y
M^5%FNN0TM"1:2(QST8NP;7*V;!`\GFYY7=GHE]H3<T]8Q9#!JC3M$-WFSA<S
MK42ISAK\_5FSR&"#29PV*TL>A;RI7%-\9"[@W=@]4]TC;0>U:J\SR7(@Z21T
M%LC.O5J"6#9Q!/0\TL]9SZ_+CTLQ&JHS&ZU4"0T(\A1IIU$MOC;$)$B=]P55
M#;4#TQN8?UNTW+;E)HQ2^ZH;QR1;"T(K998@S7:#4<9KA^M$#4T5#/R!4E5*
M.HB,_"EMQ@E]SG$.2)/T!RYJO!1UJ]`M9)&R!!NIX7:A$"U7*;^@L5SN(N)J
M,FR#?8>!4=4MR8F?E(]:O66C=?$C1\5ELCQ,,=(3&F1FXPIMH6Y?<E)GT_\`
M9F8D"/D$<XM+F<%?SZ/;++?#Y!FWV0GJ]KT9^ZZGG!O,K!7RPD,/M'8BPR9C
M\Q^<UR=!)#),>%(9$NB2N]>F%U*>L=2Q.M4O&Y"*E=]LFRL]*'B]?S.WC=$$
M:T"J-Q)R@E%GS8=BK).^#SZX?1TCX9D1SX):I3467P+E6I`I_H?K,DBO]J,R
M:]C'HXHA88UZ/R[#$L;U-]H8>ZT>KU2.:S0D3S1EL&B5#*R69TT82=7%^09\
MD5$M(7?K^1AVW^OC27J_2AH$5CQ^0'JA8?/9L5GN`=H+I5I&;J/F;*#FPZD:
MD3[=6R.G"I[#KB(TM[H]?&GXSS$-SD%R^YGDO1W<SI6+*M',IMG**1.0\_-G
M;99)QV7VT<]PTR=,=;ET.0S2K4%5[%`76X<)Z6X\X#DI3-:3R'WRBY'NSZ`Z
M&<LR/YNG-"M:CF;J0MDR0?LQ<AN<T^UK4ZAV;0PDJMQ844MCZKL-$"V79)1"
MH;#KC;D=J-#B>!=QP2K3O7/:K;IF)00HVLR[5GF`Y9!=W2U%K7(C470*+I==
ML9R;6(3`9W^83[\/KDD849=G!YCPD@I+KKD=Y]A0)JGVJ5K5_P"O;1W`I63H
MM9Q:US(3PLU3:$1+LD:H++QM`PF\V:'`2+QNGU"JQK?)S(Q]KD&NJ7%_:HX]
MV4MR8\["N2]#:G/Z\;[UW/F@)<&,KD&<",:/7:M;U5J>?O2BVI.S=8@GK-F.
MBQ.7JIC[4)2/FI@12JT1U)8GP50XG7*12-IST`MG#U%%_J,KF4583*D;9_()
M\RPJO1*C>PH#9";%6$3J3^VKO3K42?TVI\T^-LBW(;4D>TN-R6D+O[2ND>DF
MYP[U0JG,CU:Q-1:FF2.TURVWJ"C'.U67ZGB(TZD2VJU)XN\RQ67&8T!A+HYU
M$*1]W)/&5SF%/4MRH=093DWL+6/6W5_7GM0SBN3PX64*R0Z3(!K16[(#MLHR
M].KEW=BT`+&L-H#".-LD+'-KJT%IY'YY<*>XQ*=G#+:K4U'K1ZDZ5E=TDOW"
M-35TJP9+=<_MS";6BXF?PR>E'+%G52HKD?*LY[1*Y4J0>?@&F(#K`(G+;B/0
MA$!3#CKHKE7^TY[E_P!>?LF0!$XUETZJ6O\`)?JEK)UWED*H@72V!K)7J4?$
M$W+GGMYK$.N&_77)Z?%2W,!EHJ[&@CUZ+\+_`.4H+HG5N5>KFI9:(V)L/9JU
M-.6[(?X302%S(D[J]&LT*)84AB&C2U5X&FS14R24?I!]F,VJ=]CJN1V_OXCP
M1M,@7K%ZE['C6IU"WEX]"B`(H[3!9Z+RSP+>\!J-FL1RTU&GYX+'XSFHNDF(
M=C,?DEYP/].%(PN]B/"I+L:!-CBRDFCDVE^G^J:7>2#<4.[7*MGIG/`MWL,(
MK<L[([C>Q,S8_P!_O<67KF%&G86JUA=F&RU2(`R1U3TQ?(5C^:*WU,*VD7B3
M_KROK,O-6PQH+!K(B74R^A`:G;55:>;T1B1:NF-F'F;/F>C,_P`Z!-SX*8<I
M$6$6?8ZXEHC"[&8X[27GZ3Z'[)$L>=-"I&4"Z[3J>.%D3`N?('&C<XB/+S[S
M`/\`.YQ.MMMZ;T>:T:9E2K(P.:;:;3T7V8UR6H+D7/ZEX9=LRV71V[!,ER*=
M1\^H=?K*40K!$!NZ=?`X*;N<@!+-1(#!X#V)F]/D1I,1M3#$\@38^Y+R7T<$
M;X/HKX,CP!X`\`>`/`'@#P"LMETR%CF87'29PJ8?36!B7X-?'O1XLVP&R$R*
M(KP"-,E]Y#@N&SQ"-%Y(>[QF/\OR+_X)[X"565%9?9B'BL"IQO9,<)I=FMB+
M7*B]SF79-"I[#%;$SCZ8'#1"IU"P33DP6.=2AA@2YSKR4\ZI'S-\Z+2O@ULO
MW>PL.-KABU2KA2!I\S9J])D7.G%Z^[5S58#1[&\/M`Z8CA6`^4`3HTR)\3$C
MBF)377.M=7]."VLTE#]UJ;8+"L'<JQ<\^6?VY[&Z(W:*J5"$7R?\&S:SBF[:
M,(]1-"DCY6^?C0TLMR&5,<9>=4TE:NI"WZ?0N;<ME&8@*J5F/AT3ZV3LQ<.:
M*]F)BJK"8F<WRW#22&E0Y*9BS)BK,!4(^]E27BJ%_<KB>MK$2J<MT;^Q7-B7
M\&A:I79F76.V`<[C%0*IZK0Y4--L1N15M"I!N9&%C&VQ>76DK7Q\DIU">RGK
M"RKD5IIIY:1JQ^AT#I7M%D64W=[.[ERQ,VB77HUG!CAM6FFGKK,=-`ZX-KM3
MB#4R2!RV331J!&C,\92VXZYQ*7OJR[QH9M;52D0OO;34/W!%XKT_,'ZWI!FO
MND+O7[2&%$J)6"P(=82\0O""F8\ZT4UNT0DE(7U1%B2926_R/HEU2!;3PLWN
MAZB:/F%D78;?>0-:@D($&PPPO^PZ!;(A2>U=S$4<@K19XDQQ1)J@$/GY&F]8
M7\C+;ZN=DH2H+9)DDS+VPR2P'\*R?#*X:F4TQ+FY_,)HJYF!4LW[2\NN=E9S
ME\W\;HMJ^!6Z7&8>&]=<0B$[\J7E]^/[P<7RWY,XS[^>L8`RV'LMC-@5,DKK
M#_8FJ:=AP(_:05NE6EDVNNP^SI`ZP6//K`+#/QF'>%)0MY#/W(<CJ?"UFS)^
M[..5MJ5RQ5[6JTZ+BQXTP>1RBU?F0K;*!IM`K+NQAT.=U>F%*2\V9BAVOO>6
M->0KZ\<5\7@6LT`SV4S/1M+ML6;3SK-&]<Z`0V>#=3-;L@W_`/&`*0U;*KIV
MICVV?Q;5#K8T,8'K^%+_`'LM75--J2J(^L*-+^)*:;[DXM?S$&MMP-(K18J<
M8K0J/=,VMM1=F6"6Y#ASA\"3/@L]1.$,6`<N:M*T?C-E8_U7]_74M!:T59@_
MLGZR@QNBM5$-I];$J-KMTZV:(Q=+64U"&_5/7Y/\TAV2T&;3:2@Z**VJIC66
M)[K+[+"?HAE+3*N\!IEP4KV6I6BZ_P`R^G"%J=`M:7%O*"X[HTW7[#G:\P77
MF(D)'7XTF"<%7YUYI:G$OQ^QN-K;:<^1"0IQ5G.L'V2Q;7\;J^M^Q(2Z!'ZQ
M;)A^-G(:!JD..RN+VT:)G\"S4FO&9`_3BK58S1,]ODN+*BN$6^)8C-=?XTL6
MC3HBZ(WN11K)H.4T*DUNVSS-RO$FDW-X[3S@9C,Y,>OZR2E5NS$7(RH8NZ*,
MY)*:3`6XIIR.GCW'.\?A]?$M="-7;W]R:@W\^"L$.R1Z17A-EC\MW\6-);MM
MXJ-RDU2R`*"I]EF%:(E1[73BBK[:T?C+$.?9\J5M=<!1=/N:5WV4]53&E0=.
MC#=@MM]'M'@V6QH==U<R+NL<8]8ZY?;%B=$DR_X@7<K\&O$&S!B%`8DI'_7Z
M/.-RT<?"CI3T),<][\J;`NW>@A[/IE8CGIU66]5*^04=M4\:BNJ=31X<YB'&
M)PPCUL:7-41D#/M95\D7DE+B.K"U^&7!"]E\P,Y:;UF*Q:)E/&75W/1['*O-
M?.VVX-W"'08`6K5U'R$9\LI>Y:!<=+S<=29:%]=XTTA3G!*.M"K:7[E5NSRO
M8BY31!L+BV$TFEV5P_)IEFY:#4TF!/6"[1FA'/OG/D:D\-X(>$-0.D&BD9]/
M5N?>VA(KCX7J?UKWMPE,>9Q8+5H)D7,(06:C)R6U,6V;^EEZ!`NTL(#Y"4^0
M&T>=E5B:+OL]ZVAP9WC/7^R(?Y`6LVX[WD]=C=KJE*C'C:I5[M1"G5>?,JA:
M(`.2(EE_@T0M"GS([29E7L%\2X$'3VT+CS"#+O$]^)M3O`M?DC!OWCJ]?VLA
MF1G/]&$UNMV"]4ZT7>54ILP='-5KGKD^+LT-P2_.;:SA]K?6FII*3QIV/(89
M^C76G5+0%O%3>2?=[`8)B?5Y#%T;*UFU%J[9!\:@%B"*4Q7)-.9G6^S.BVIL
M.OU.*N_C%<DNK2\CLA25,I<:=0@+61;=?<MS`MEMU,L=+"C\_J'K%?O8IZRF
M#I`+8M+)4R5\!2J9A#Y79-8-2:E%9C+L'91-F;!8+PY/X_XR>K=!1JOO4V17
MVI-CO783LP^JTFR&?Y\_4K3`K,S6BM7SYQ@R6'V(K9TM8HC5QKU<9C=X0:?J
M<=QIU_CCG415?/X%O-"5W+VII^=VW(A):&@C0-/S*?>FM!I4$G:*J"2JTY?6
M09:>5&0OPH-!,OZ8RI!-U*?JE2'?LXPF0XT"5?XE+`/?$"HKTI=1=0KE$;@B
M#SMOCJMT]]Z%,S,9?/R!P]-4_<2)O1LV0W&:DQ8;KC3?&^\0^M#"Q7$NBN^X
M.)66V`:"T)OHNQ3R,*L%AI_-#XN/GU@L1&QA0%5ODQV$H?6BMMG562B"S\CB
M);767N*^!]IQ0EK+#U_V*S/"R%8':+(,BX]KCGW!A2&$DDQB7:\(EF7QSWX7
MRSG2$V)"<3'9CL/]4Y]J5_']Z.J$2;\$IRC5ZQL%<EV.L0[**0.,/@BX6X5P
ME5+(()M01Q9E@F%*LM28_P">",0IS'?\\5&EM][]J_N0D&J%G>"'QYI/N-[$
M+'`I8\/FKM,@(FHFPK-$T6PW\E'J].PN[6+_`/&UVU1H/)IM&QOPH#CT%_D+
MHY#KO)7'%,-C;C$Q@W]@FUF`?3`>'@USC0\ML6MG"E.C7>:'K_ZJKE)LG(RK
MK5F(NQ;W224>(0/S%_:IH-*^B1C3WQ./"VK[F4:_L+V`$*L<:'3\WOD\8W:S
M]<T"H1S+6=7'+Z!>B^57W51W"5TZ.B!JO=SM4>>CNV'\/L"9-[TDAIGDUL+4
M2O+/9_6]7]@\$JUP-YM2NM%[E#L.6T^P?NK+>8',`Y=!.M((UN^6^G3\D+DK
M`AB!%943:@EH76^&9<AIUIL1I)<&I@^\NY!1?\ST2!D@^CDA;;\+^-TV\2C]
M>EVFC[1;:C),N&M#%A"@\#*R5B*54MX/&?075(7+&1X"W9,J+45Q,]Z-ZL<3
M,KZ@32X%<KVQA*19UUOIN17E(,T#V?#VK5;W.KMUM8HKBM$9HL*R+&B917O5
M1^._N.QF.3O!;4N"YO7_`-OMOVK3<HY8.Y?G^>VVTZ4%D5]"0!FUG)@>H?N1
MM!D/B-9LTNI7NFR8#\B3^?#@RS$1;JDB(C<1;JQ'%)?<P2/O?HL.3">1,Q!M
M^5:-,:>SF5%LB;]!D9]JU*S<7Z^O.<NB5JWZ\B;0\;ANJ%-1TM1>-,#)L7JR
M35%J*^T7W-WEW.I8&QG,9S4S:\L@:2,O42+=PD9R/:*]4"`3'J6J9<?S7]CF
MJL$R3"))==9?CC7>($*^UQQM_$453R%>W6R5^43(DK!59PV`5JC=3`GG;0RO
M/Z_;Z>4:,Z%JY9-I62OU``&42B3KK[`YN+'%26FI3:F>NLPMJ)BGWC]@I<&R
MEPP;!2@@(8/9X"+2YABL5R[V093=MN`O6!5TL-\B4\1E]E@9$PX,@2YGVS.&
M&^*.L-(1*?I+4?1[$M5K.T9C4-!JY^'88IL$%E$9,48Z!=B&)H8<4F02%:E%
M3DVL3VT$$.=@/S);D=MU'/G?3U+RQEJC+6\$'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`@&I@J/:,[N%9TF`HG1+"$E`
M[/!;:+NOOC"O$P7.15`$].19C;CZ5LR(?428KJ4O-K0M'%I!>3G*P>CV5W":
M"*WBX:[=2X8+_''S-CO*'REA#1I-FD`!]@FPQ$%V4W6G+D2_%ZS^.N0J3Q<W
MLMQF.MH:N9[W/T8P.^6N3;K'!M,AXFZTY9!#-IF,`K0S#AL0A\(U&XVJ6B`/
M::<5QJ(_$2^X\I4CYNMQ_A"YFI@^A>.1+.-NDJTZ^:N$.P#K21LIW1)1(S8C
M0-X$_5I1J4Y!3U+-8E5N*Y$8A<AQW5M\_)1(^QOB`N?@N7;<SRZY8F6J&R3"
MT[.*K"K-RL9B66)(-?C9&7#WQDT3*BT<*3%*DU5"R*6D=[/CK>96A2'E(Z(F
MZ\>2KJIZG862*AMCJL&[UT]8]#M.[JFD'YL,O+)ZTBDE[?7C==N8J;)!`C,F
MBAWG1W(\.:/DQ%<9<CJ<D<<%<GX9L[WZ88YH6BV+4#<B\P[1850B77`5NEAH
MX2W"QE/%!;^`_%9Y.'6T'&SX*J$OK[D*.]`^1$;BY$SLD%)I4,2Q>G^`3`\)
MG07#9Z"@O8UDB-OM[C'\E,ZG9*4^>:.OL?JX<J3:[#5QS#;+*&.==>4RPE/7
M>)\E!<_0BE;]2/6;5J%3#C+UFOP%.8WC/*S9RA1\60EU*\'P1AV;*A#Q-<B/
MV*L$ZLWP.1D0>382'Y7U6YV9(4[15HG$#UNR')SXW9RETN0R/F@^;;3<FP7*
M('H+Q85GAB@E-.N0(:/"5I)V+F\Y<)Z0AJ+!:C167.,)=:^3H5;X*.;S[T@N
M5IHPGEH)(,Z[3=*KD"I%G+$#E:)3KO;M4LQ`98(]EK\.P5A;%MMEJDUMUI\*
M0DJ3)Y#<E-1>I:%K(N;GI;E\LDR5LEIUBYRTRQ9Z;RT7Q^7'+WD*)8JPG2"L
M2#`'1Y-YA4:(T!3+2E#2QC?.+95(^LCHES)-7_5++JV2U8A$EW65'UJL6*FF
M0I.VSI8&M5>UV"WVVP"*0-ZEMNN,$++>BDSJ^==>1UY#*%IC1XS+(ES,$_ZA
M9,=[^2S*N]=-,GB%H%62M6V8..@CY4A1B$TD(E.-2F&'G>4""QQ*VG$<CN/I
MXGZN_<D+F45;?5GU6I51%D)5NTV-4Q5IHN;L"J;=CUA>+&FEXSD\7.9D8!"+
M6`C_`",_C%2_=L=<X_R<)6X\XPR[/2Z+<VR^\9]1\DPJP=LU)_ECY9`^:%AN
M6"R/E8XT!)'U01&!P8G&(T=$(4+I4!EEQ:5RG.H<>D//R'GGEB.39`K/Z;8`
M#'(LIPKH@RGT>NNRYX"+<C;E:=Z#K]O#IM1()!C22!:QCZO;I\-KK?5<4UUO
MJ65/H0OP6YD(J0;TR*;3G%XJ&K&$7>ZV.V:?7JC&ME@@UVUW3I':!Y$O;ZU.
M'LI'6@([:K>,B#2*X+__`-BWF?Q77PW.Q`=U*$1(YAZ07TS3+Q#UVRSD[1;;
M%/Q(R'M<\S10-N*:"9F6YS.G)]?-4<)*O&@'RD5:"OSMDY))R'"YWGXS30M9
M>"W@_HQ2..&S-AO&F.W)Z\:39J5:*[<YH:;E@?0;[?+.2`YVCD9UD$S8@=V7
M!-\<1)3+6G[F.1TMQTLB7?V&[YZ+8:AZPR6OYK'E&JX(IXZ3%M"XCM1JM8#?
MI*<$K/XT-IOC=/C?Y@22"9\[_BVV^^]'999;"YDQB>JN<QJQH]>=+7B;/U#0
M06IV"YOV!ABX1+]4G*N]3;(#F#1D`4.GU5ZEC%L=["<Y*[&_\W\OCCO%B7,]
MP7JKDE>H=_SJ%%L3H'3P,,#=WYUC(3#)I,>#+ARR[Q9U79+9XV^1D2YTE/T4
M_,?6Y].?7G.!<ZU-!<?33'KE-?+OO7D!8'9%E=9LE5N)$,;@LW2U:E:[C`@R
MD)>;CPK*_LA^)(3]G5MQ)+7&%,O1H[S07,V@#U)Q^I6FA6ZI0C-;)9[_`"J,
M(8@$(\F!."6RX%[Z_6BC!>`2=_3!K2<DR!WXKD65%0ZIGCRF%+;4+<S(.^J>
M4V2TWVUF.6B3+T7DW]V.38I+`B(Z53CZ34@-%8;;>'O&.X57%/\`_=6GBHKG
M6^-_.]]PES(%5_0S!*I#/P83=VFL6&O3*B_PG;YLCL"JR%4?D0"+XPS&1&BB
MHV=BVF7E)<EN?&Z[(>?D/O/+?<MS)OKOJCF6Z7L/==,FW*P0@-%O%(%4+^2/
M0*+"7H(A^MG[C&&CV(Q1FZ=K,Z3`8E\F?&PT_P#(AKDAMIY`BDTJ(!O5^O5V
MHV"JU_3MM#/VR8\6M-O@W_[+F>L,XL^2,6>67=$.QXY\Q#<:&N/Q8\?C`R)&
M9BIC_`VM(5Y]#^6OU*R*V(RR"\U:PE>R2H0<]K]2KUJ)CJT8H`TM1C<&G6V"
MXJ4]8`T<EG`=?.N.IDJ;C+94[UF3*;>"K1%7/1/UYDAFJ_-!6*>);%P0ZHLF
MV&?J]"'4=&>Q..2&'V)29#5>:3]'D+0ZF2GCZ5<<YSO%"W,]O_9EG<,+:>!;
M/?HU_L\@*??U,P?_`']L[?ZI-NA2G7R<R^Q%#D"E=)79WJ(W&&83D:'%C]:2
MTRGG@7,W>F^HN5Z[9*[;+M,NLPR"J@RG2WH-F='MV86%6<D"'+$EF+UUZ7`G
M68A(^Z,N*B2])YV2E_C$;C`E6B[Z90:[0DV)->:EM<M)YNR%ORYCLSKA1JN5
MZJH6QUWO?@9_45B(GJ$_\?D2I?\`U5WP&ZDT\$/+C#'.?3C+7.?Y_P`<;1]/
M\\3SO^/I_P"O$<Y_]SG/_AX!&:51ZKG=8!TVG!HP2N5P?'%AQ[*GG^QH<5AJ
M,RA<N6Y(FRG?@90E3KSCCJ_MY]RN]\!NODD;<.(TPW%:BQVHS3'XK4=MAI##
M<7[4H_&;92GC:&/L1SGV<YQ/TYSGT\`_#`^!&4VJ-"B1U,QFH;*F(S+2FH;/
M5=9B-];0GK<9KJ^_:WSZ)3]>_3G^?`/1<6,XA33D=AQI:%-K;6TVI"VU(6VI
M"D*3U*D*;=4GO._XZE7>?].]\`(BQFT);1'80VA/$)0AIM*$I2VII*4IXGB>
M)2TKJ><Y_CB>]Y_T\`\D#A[:^N-P8:'%2OSNK1&82OLWX/Q?S.JXCG>ROQO^
MW\G_`,_V?\?K]/\`'@#HX>I[LE4&'V0J0U,4_P!C,=>[+9C]B,RNN]1]_9#4
M176DK^OW);[]O._3_'@'[<APW?B^6+&<^!QMUGY&&E_"ZTA;;3K7W)[\;C:'
M%<2KGT[SBN\Y_P!>^`?Q4*&I2UJB15+<8_&<4J.UU2XW.N]_'6KJ/JICZOK_
M`.'?^/\`S5_C_/?`/RL?`<C=A.08:X:F4Q^Q%QF51NQTM=82QUCJ.M=92SW[
M.)^GV\3_`(^GT\`R4-MM\[QM"&^=[SO>(2E/.]XE*.=[Q/.<[WB$\Y_]SG.>
M`?OP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`*QV2GG+[FUEJ=;GQQAHL@5R%.E29<..QV$;&D7^N2(+3\IOY(L1:.?:
MCOUZKG._X[WO@J\GSMB>B]\J<JI/@@646P'!KPYJQTD_9;,)#N:S."&1)+V#
MAOJJMB9*Z-55N14PG9<9,F5%D/*3*B/QHWR#5R(2Q_7WKU8G'7:Y-I1:%)S+
M*Z+`#$[!7OXD_6@M;Q(#I]!EUZSX->)TV06.YR:L80N6(&1,4P>??=!?ER),
MQ0MR(I,_KO\`84C6QM5(6.M?QY$/(GK_`!1NBQ)%QT6UU#%S^2DC`;1;?@-G
MD5&MT]TE!+@A<X895%,0G"`MT')<3SP+T=*^ROIQ?]IT,X2A+HIFMV'-Q]28
ML5W-FW+15(HNC:[5[#08@*/6B`HW4-<(Z`.?,ON2X_T3!=<=BRG6!WQC*E1$
MCV/TIB:I><X,S`>?3ZI0:7D=,A@#""'(T$14+38B-U$"A,8<X+:#6*NS8,+K
M/>)1+9C]8?3QCG.*!2HBDZ3Z&ZTT?HR]"FYX<B5PS4C6@6SMHM9BP[9'%V')
M+"&KMT%3JW"96-QQ.>S80+\F;.;G1YB.];@\?G-.BN2)5FWI!<JKZN6G([DS
M7=(NA'5L=TB?$O%K%':->2^1V?+#96P-I&8W5U4XGIC5`?>F?F0;$0_9RU2I
MI&<XXZOP+O=7T*W,_P!?VRB:6+IN=NY**@$!M,*6=#9)\7-AZ[79>GS%:L%-
M%,RNK\8JUVV#FY,B`P+/D&H;+312`U$2EX+D7%$]'K7'Q+V#RV&=K8`CM645
MX*\3"E;%&00U*!>]CL]@M5A)-0$%656<+;:^,D%(Z7B*(T#J$H^V)%2H+N4S
M`S[U.WT7;`A"W&JI+K9Z]YE>#[1#2;SH-JR@!B.HZ?HN?Y94[+:ZLT7TX>0C
MWJ'`>)DY8I8MF/+;:9ELKC)1`Y+T*0N'ICM&R&M:-C`(+/AK^XZW)-LR;3('
MV'V6IQ#4(!*LP;HQ<LGO]4KX2@BP[TBLO/CK+#D=E(ZRU`2MQW@MR7Z\'4KG
MJ+9`_K^?SL4S5;?8RVV#=1M(F[V,R^,VJKA+L-*LT;4[FFMRR$R08J`IB'(?
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M@KZ@>I.M!;%GLHHW3(8F>8RR^[`9E7,G9+HO1,HO^Q:$7+"51Z%7A%E7M5IT
MYN=.6KH=D$G\Z.RQ*;<C_8*Y(G;&%[@+=PJB]%T&P9'3M=TG7M":CWPW6C4Z
MQS=F/Z'C[$<9_`2L0W6Z0V?29EPORA[LBP"Q[:'OQ&G_`,@2JY?J=TA73#X8
M2_880\:>>&P738X21?+BX!9R,TLC"&EI0X/))P(LSJT,R'(D5;S:>+4TWWO4
M<&39^`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!2OL=I=BQS"-7U&H5N#<
M;91J0<L%8J9,B\''62P0XJNA@DXK'BS7QL4F14VRM]#+JFDK^[B5?3Z>"I5=
M#E&5_855Q=IT*:4J$CF0T/$<ITMVUQ3]<AV.9;;Z^0(66G)'6PS5:YSE'J\P
M*Z]]"?9\F?,?B,Q5O,I0X-6?VENUWW2RFQV./7F`6CCD%SI,%4CY>K,0P-V4
M#DVF"<*5MU)=XE^I$3ZF\PXY-BPEN+?9ZRAU"EJ;$M9SZ;]^B,/HPPP%@1J4
M[?8LJPV'^.2R+]0P^'6]8OQ:XGHDNZU[JS$RKY<Y'XU!Y->@/K=?_$E_1F,Z
M*HE@7WWYH@GU\&[K1!<<Q^?HTNBN5>WV:MUQV+RD),6S6E?O@Y:S5DF3KN54
MXT4&-P)LQ@G-:BQ..H6^KK8BCS0G$GWBQ:-9GZTI%E5R/HY3-%GE)JD4%^R`
M4]R]GS2W)]MB%(P.!66_RHB7HK1(_&[^2%B$HO%/I"UF!AOO!GWL/?`]2SBG
MW26$)4BV7";=YTBE]!A7ZU*SY<0!-9#VPU*DS[!7])&D651?G3$0[^-,Y'FM
MR8\<'&BY*3S_`/L++V>)ZZ.GLT$BIF@Y[KUTV^'!M\7_`/)?.SP`5,5,,$GV
M-NO!2G-(;KQ"7#D%)8IAD9'X^XOG%_7@MGDN*J^_.-7+X'@8+071+X*>1_DT
MF!3X=3:L(ZKWRX2*$Y9Y%U0$[9N`\R-N<E(?77^?A<ZHEQ#\9;PEK-"[_8_Z
M_L5Z-<'A^B)I?8A!HQ=&@0&;5:S;(`"\V3E`,FA]JEQ';+/'9_,_&DP>S03R
MY$/G"/.2FE*"UGY9_L9QJ8W'E"Z/LAH5V*0=*G@E8JY6O@)M?%6NP7`5/,PK
ML[`(RJ=7*,7GS'QBR$"1'A\Y!D3'I4)J2%K/W'_L?]?24TU$KT'0+6BO$K%P
MO.JX6OF(,&GU/AA5ATF:['M?R#ZB.379_>QY*&;`XF-Q38Q29$3L@+&3)?N;
M61F2CM3LF7:F.D%[SKM,%9Z)@U:S7<BSC$[0>VRS16!MI2%4%:KN;SR/$JF)
MEK_[<5IEZ4ZRTZ%KK0A9[^R#`*S)@1C(O2(;A21:^#&W:^";GDQM4.$*DX>$
M@G;2W8S`<S<P\T3"5$AOO]D0G7WVF(/$RU!8RQH'N+EEO`ZU,HLXE)GY77-F
M,EIA6OS5A(R<?D1!\HJOD&6F64`V63.3*#N1E<Z6@1WW&5(ZCGU"UF1DGME7
M=2OG^LGJ#>:9<>]TZ8W'LSM)9@3*YFNF63+G+&.=A7&9/+QSIRL/JY'@1ID@
M4E37[+D5$F$Y*!QH1'OOWB";69I2H=Q<L5?L5N`EHD!BGFVF&*95Y-N)%8TL
M!<RL4M(EB8;WX@"$N1<'UL/?_8?B&'UMA:R"VC^RW&`XYE->JMVNEMG4(%?1
M=+"E,P<(36+%&Z:%@^$XVA3@ZB;].:=,]E,/2`[<5OD=R:B>XW$4%C_D='5?
MV:SZU529<HL&S0`\3:8F#?80BA5E%WB9?!F;)_($BSQ.>$'LVLHEIU)-$&>A
MA'9'XWP+8<=$HTZ%2P/?W'BC[3(ZJZQ*24<$BJC)Y4Q4>->KD;C9E+&T&KKE
MV6.M=F>CZZ%4IV<F$):^1_Y)J>QG_L%M96^>_P!E6:&AP<);ZQ<6M6FIC1I=
M!JH<1**LV<U>:[5P5!_33[?^WA6MD9>`DR<_)XV#;Y(>2T0<=8=90J6QEVZ?
M[GY]E%Y-44]1-=*.UN*B6?LU<J@@C4Q++-,E:.;_`"",BS0)KRJS0!\DK.XS
M&=^C+'PL_-+=CQGA%%LT)_WVQ^OV"Y5A5=T0X9H!\V*M<:ICZ=:6@X.N`K%9
M3=XGRPEWFQ(%>'AJD1<<B2%LV'BX_&OUOS/QFW@M9^;1[\8[6#.BUK^/Z'9K
M-F,PXJR5VDP*?;2G\8K(:S'+!=XW`UVDQ&0@B)4Y2'H,MV+8N/K8;X,ZJ0SQ
M86OR1:3_`&5^O??Y-T`*TN[)JA`\@HJDUT%8.IK59:M:S5YZU'M2'X-=B/T@
MHRF-,3%./KCM]:'K;EPW)`6,SRW]C."@S3U7)"=&9N$(<345I;02N3+8*M8P
MQ:@SF>R`<.VR)DVTR'Z42<:D0N2@/6V6^*(I<E1&WPM9G%_=!<VG>RINIY3=
M1Q#`L,GZFW(NS`+D`O:H$W7:^3SJ0&K=G(G.FZY:\AG0Y*F.JAS.]^L22XWU
MIUT+?'W98=#]N\TOMV:S1D+?*SHG\EY5"%-M0&!#+!BJ0=^L4E9!X8;+BG1L
M$3GLAQZ5%DR6$JGP$<5U<I'.".+2KZ'-GL-[TZ-AM>T`G)S:D<FU'V'L>2BD
M/V>U'HA6K!\%!;=7BQ%BN5%9<,;NO[=`R3)4PY7ZDE_DTI.[%8=4L:44_P"P
MZ&U3W+RK%3,P9HHZYBA02G5ZX6J\P`T0O0ZPW;1M\(58+/.12G)DTQ8%YP2C
MQN0X<F.E_L9+[K/)<?K@BBV;O"/:K/?8@F5&4`-<><KX!DQ8BI2'7E5\*0>M
M]NI2:HH\!LIT4:L/"='(O=4*=GCOPVVWN2^\?9XX(TUY.F?!!X`\`>`/`'@#
MP!X`\`>`/`/RI24)4M:DH0A/5+6KO$I2E//JI2E=^G$I3SGU[WO_`$\`_7@#
MP#^=4E/4\4I/.K[]J>=[SG5*^G5?1/._]>_:GO?\?^G/`/XI24)4M:DH0CG5
M*6KO$I2GG/KU2E=^G.<YS_KWP#]>`/`'@#P#R0^RZMYMMYIQR,XEJ0VAQ"UL
M.K:;?2V\E/>J:<4P\A?.*^G>H5SO_3O/`/WQ:%*4GBD]4CZ?>GBN=4C[N?5/
MW<YWZI^[G^>?7_KX!^O`'@'DV\RZIY#3K3BX[G&9"&W$K4P]UII_C3R4][UI
MSK#R%_:KZ=^Q:>_].\\`]?`'@#P#S4ZTG[_N<;3\:>+<^Y:>?&A7W?12_KW_
M`()[]O?IWO\`C_'?`/VE25IXI*N*2KG%)4GO.I5SO/KSO.\^O.\[SP#^^`/`
M'@#P!X!CQ9<2=';EP94>9%=^[XI,5YN1'=^Q:FU_&\RI;:_M<1U/?IWOT[SO
M/^O@&1X!A_L1_P`#<K\Z'^*]WG&I/Y+/P.]4YQI/&WOO^-?5.JXGGT[WZJ[]
M/^O@'LQ(CRFDO17V9+*TI4AUAU#S2TK0EQ"DN-J4A25MKXKG>=_RGO._].^`
M>W@#P#R;?9>4\EEYIU4=WX)"6W$+4P]\;;OPO<3WO6G?B=0K[5?3OVJYW_IW
MG@'KX`\`Q%3X*9S0M4V(DF_$?GLCE26>3GH,5Z-'E36HG5_D.1(TB8RAQSB>
MH0MU">]YU2>=`C-HK=1U&HGJF<2P?JYU,X$:CP23K:75CR"XA*!V>+DM2(LN
M`3@K9>2AQ#C+S2D*^BD]YX'@X@NV3>B+%RM&7%I7*SH%;KE[W.SP*A;]&!V*
ML5N^V>ZF[W89)RKD4=!?RR5H9J-R#R0U+<$S5,0V$Q66.-#2N-M/H_I%8:;F
M/XUMABA-N8OKV2%:SI5PK=K(?Q]ZQ:)IK=3FBS4.TMD@<:`6_<,HXF5"C?DQ
M'4M_7K7@>XV%;R[TF+9C!N`"*(.Y@2F",W3*Z:N):$^1+R;+B,*H&!TJ8^6C
MDW9^J3P\F/,:;D,/S?ND?8II+C8-R)#8JMZIU.11:)J#W+H0HK5@$5"!KBK7
MJ#R%7<KGXB>I;EGBG81HAQZW!!L64]\S\.,06PVM#;DOG0Y?*/R*]+/7`T"'
M.-#KJ>JA87EW&@YW1M#(!#%)S#\DQE5++A3!M7YM*J)(L\0B#);?4HEOKZ[Q
M7.];\"YEJ4+URS?-R%0)UI=R5+HM:LU+K:S=]MMB3%IMHD5V2_5I239:=PD'
M#N56#^M1(^1<'XE=;7Q3SW7!&VR#RO23UKDCR`_E`=B<)L5%J3-@VBUQ2:7:
M%GK.7TN=&GMFN2(A"MU&.VW&=;ZE7Y2.2E_?)^KO0N9'Z[ZJ>K%_SR:,"!C%
MDJQ2W6"?.,R[IH#YZ5?:Q.T2CG3KYXN838%V(6>LIWZR5.=^LU7)".JZVRM*
MA:M$',_U^Y\:T"ORY$R1W)AS5D+VFGR[+JA6T:-=[-7]*KLFS7&Q$-(>#RS,
M#FHSYT4P@8D]&DLQVVI:&6&>-A<_YEPL8'@%B?(U67PQ<C/:^4CGBA6XVXV7
M(P2=7N.(F5E;+TEUJ282$E%A3Z./<E17D=5U#;C;:DB59L(OJ/A\4>7#<`')
M`(I'T*#'`S+G;)(:N"=4B_BWH)4H#ICK-:#&ON4YR-$^-N*XO_Q^-)2A*5!<
MR`[QZFUNYXR5SRI'XU`C<M^AWK^7V(W?I3]%3IP^ZL:3-JQ*O7^ED1$29&O!
M-7X$B:L+R-(=95'2CK2V!5+FI98/UAR0+.IAL3"-1B-2$V`,B6/M!R'$M8.W
M&R5J.A[D,ASFQ%J!S+.:E$&8DIER/$>DNICI;:<<;4)5GC2/4O`\YKENJ=.H
M_P"H!WK+JCC5IB_R"RS7"F?4:MFJG71*Y9`O*EL36`=@E-/SVUHGS%K2[(>=
M<0A:0N;\FS#>MF8`[T%O\1JV/E*S9KU=*N()7BUDJE6;9I+9MFXG@55F%70T
M"<58M!5'T2UUIE))_C:$_5'V!5TH5HWZ6^N=2'<D?;<P5?#&*Q:/BF:_H$<`
M*7G;SD[-V$)G6C\,6"S`DI,P'';ZTQ`E-I=^BE=7U0MS-@+](\###[0+&C+G
M%A7H"6#WMIO2+Q_^.A$R7)'Y5VLG_P!G/I/T)DR7D2&#/_":RM:.)5Q#$=+0
M7,DK?K9CCP_1JHN3:"!J^VBFZ5<C<G1K3*T1BPU>4.5G-AAV/]S_`""OM5Q^
MDLMBO@6TQQ,!;?T<3QU/1*LU4;TP]>X-7"U(=4RXX?65QY5:GP[O=46*OEX(
M?/@@RQ"[(L\X;9L8N-E@)QB:I];Z9,'YNJ4X\_UP+F88SU5]?,H%32\(?:A-
M:%HJE@-C7;UH!L02-YW9`%PKMW."'C!)^P72`3JL#CI%U+TR9'C)9>ZZC_CX
M+<V67;O7S)[R2/E[-6G)Y"SLF(YI])DW$_*:/9]+RXHE+<,@PU'[(I$YV)SK
M?$]1U7RI^CW.+X)5E<"_3[UVI<6S3N!"T<80KUF"D5GM!N,L17:6;&VZ*9`A
M4%;`Y`JM9AC[L64VW&XPW&_*6YSO%)0I(MS*>U/^OG.;94B@/+"DRB2[8V4"
M$K1/MNK6";7,]LT.],FJQFS0G2JY!!!9#FC%)'!;O)`64Y(2J1&<ZS'ZV"DZ
M\E[M>I>&0A!P,Z#,KK)-=U?X`FW2U.5^MQ;_`!9C5UA58>X83%JX@TJ?(?<C
MQ.-,L.N=ZSQI*4)0)5GJUZOX:5,&+H-&E%-WUMTK9&PMWLS=6N[Y&X$]%'V$
ML+@F?TY>=!L!^2_`E\3]S49]+*5=8:80V%7X/:P^OF'#`FQ$CXX@/JVDYS;Z
MOK3"K7:(P<G32Y[0[U99CS,4HAP42:(:2>=1/A=8F1V)?Q-+2AIA+85?!!L>
M]=\Y@Z#1/8"FOE)@EG*+B.J\FYQ+Q(TDV0VNU5*[7&WWL[?R?\CDS78%($1!
MT29`8F#6');/5I:<0PV*WQ0G^C>K&,ZE^X7:09QJ98+.2M9DI6[I;ZF7GS3M
M!`9=9ACI2N&ADU-<M-`K,(:1'(6F));92[U')"4O)$3:(A;/3?*=!TRP7:^Q
MIEAJI3-Z'G0[+T%;`(I$*+2F-4'M%"0,4;BAS9%L5J#[(YYV*F0)6SQUAWY>
M,K8%N=*%VY_E%5S=<R4$=L1(N2"@0!6P6NT';6?+#*S.LA`&T0*')TQ]]R`_
M;)J4N?X7UMQ*%=ZEM'$B5J65X(/`'@#P!X`\`>`/`'@#P!X!QU[@50K9!V3R
MIE0)Z)E]>T`B1U*BBZI)T))&'*H-O$T:PGLR@RHA#4:I3=%GC)\X#'^5Y[[&
MY:6E=A_5(U'_`&G&313W8BYR`L2!>J4"20#P!];RW*,UJ$:NTFW@?7O-9^6U
MB/3RH2S'*SD]EUPG8H]E62)2$BU0HD)V9"B-NN.0OM--INS^WS9,#5'W-_II
MM2[36F54C+:W/[=-2$C/:ZR5^!67S57,I.Y^VW7J*N<4BMI']A+82_);;<)J
M;I4H_;]4+U]XL7U;9!6*/CJQ"-%*;1]/L5V9&UINQ38YM(>@O21>6%Y!@=V@
MZX5:ADVJ=8_LG*&$D(5UA:5J4D2+H449@>Z%O19R5\(:Q-4S=MN#CLQK])EJ
MJ?7C&7;^.I$"RMD:)$K5\R`^ANH,1FN2#$*`2ZIR?/3(FNL1Q?:C=7:3_8*/
M)S&JU;='8[+H&R6*NI?S\-8$SK>Y9=['#*6A`//I-:KKM?J0V@S*M(/3X+4E
M]<CY/VCLF2RV%(GIH<7WWJ')H6GW_7C%>)VFRPR%Y/T^MV@]4`@&^;D!S6>`
M#Y[EQ(V<A&AP^ERSB$"9S\V"XIU3D)EZ6^V)[29@A'MN]H.<$=(MFZRZVG;1
M]FL355%`A(2#![I'LI1AE=6*KM<48>R673.4J;/CSG)CC,9QHA(DH7^0]P';
MZ4+"]DK)[(AMEECL\7KA3,S-(HB+%,SNF\6]E(2'IH3FFV"LN$Z:='ZAH5OH
M\UYD;$'RWBX%L>^ZV+E*DLO-B*E.?)25*,>WU4DNS#=3UOI38K!38Y(N)HX&
M84X02OU+J[%PO/X$)\122$?'AUF45=ZA@;')Q)S++?Y+<1E0KM?BGZJ1.G1_
M;VG"0<04Q["*>_BM7@0+`3I==,W6[;K7ZYG@D6!VRPEJMTK*QGI)5H:F&GEQ
MF$Q6(ZVR2$]B=?%X^Q:=1)^Y5;M6/=MA39[F&,V;*S5TKDFK5^$[(G7>19@M
M^@/7.LT+H:H43(8$$<7>$ENPU%VGGFF2GYO8[#PGMH6?[)W#V&J^M&(>?A];
MN=&L.4!AB6J`%EAAV1F7;W"B6'0'3/,\NCFFE20`BGK8D,MX^+8%/?".=3/_
M`#8<(J4Y.6:6KWW0:I,^7)M^9<OO!-MT*T/94]<'RFCP,A]=JN73<*36JT7X
MS%?K@(XU";<F5X9P\T[U<KKK,:,X-.TZWAVS=?\`V:5@P7:TRO:)'M%9`WL^
ML?'EZI/S^/L$*OW?0ZG6CM."3AYBT9XF25$")@%!D=&DMQTQ7Y[+?RTSQ=]C
MCRF7;WFOV<9G?ZUHFIJ!WJW@A[=F*Y]7BCHZM0\LK)2GV@E3Z#FQPK,&6K1B
M)9JT+2EF`ER'&CIDC(GR/+&O;X.H/7HQ[JS]HB!=CCV&+FS+5IENF)P.K1(#
M[F0L2\5X/<F#(R)O4;W8"#.D#>_1/6H43K*>LL][&4,NVG'DA.UY?7-9U_V#
MEF,TT3/`=<I5*K\VSUCU^)WV7[`&X.CXWI<FRE(*JP=K&L5>F?P<77AH>2W.
MFN19-C[^.U$XVMX5.B)CH%YUJF^JGJ\FQ1[CD%NM%YR^C7T%@]#!O7(36986
MR+>#5#/_`-=>X=<F/0!$1V6.'M$'P[?'V(RW.LI7T3BI3^52_P"PNSW,'!UJ
MQW6HLR;GE\2[B:S3!#<&-2D5\49=/`;9+H<FDCOVLR--@VJ)")E"*)LS[6&Q
MC,:,MP5V^A?GMB>]E!5NL#>2?[42VUD@>7E\>BU@6;I9>Z.6JR1]DYH1/M7L
MQ479:[F21DRG,._CPII53S;;<^5Q,7@BI3DYFM8/WB-YK:US-`WPJN:&F`H*
MJ+7(-(+=J8O(Q%]&6@'`(T(#I,;2I=[@]"2G)+,5R=([(CMC8_Y*$-C7M.JO
M;F+M[!#'K7BI#9.R`]3UN%.@4J*Q-BSB1:J@'@\^[5<H*?'SK`.##2SP']@V
MS#18OQH[O.KD(9<&8TY3+2R2/=;=ZZVD5JLC3._M^Z^`"%2@[^,[5.RU\Y9Q
M=#,$Q@H6+DA]$DTE49QGGX4:?\WPN2&&Y:G6TB/SP<1^C]!MF?5O`KT:QFTU
MD=E^#^T>7LOB:(5IAZXTL7K>0'<RL!;%DO,HJ&E:C$'%R<N&W#8E$)K+K_4M
M,KCQF1J33K_%'2_KE1MOK_LQ[,W76:="'1M'J^62!=O$7R3:*\215KQNXZNU
M4`%E5>O+KW*SG1`*H@W_`-SKA&2[)4MSLO\`[0C:HJ'#5,H/LK/#4BE.TC6"
MM&JYH"^1BZ51*R+,4ZZ(OEGGV85GQ%@..).9BS6!U=?CS&'Y2)"W7FU2GEJE
MLM0U5>>"4U.![B9R/IU=J=7T>L-QXF9)JP>O46J2:U9+3#J'KY7K_#VLPZ'F
MS1]=#TJ.=2/G/2H2W)\1]EN0](BC8O@>UG8N"S_8^KXGJLC36=%TF^`JI7K+
M28MA:I=>N=JL9+`J/:+14P\L57A]7@K:U^47'0^R8#K4![_LK^5AE"?*9=*\
M'(]9,?V#3JX;L0F=JT@Q5'8HW-J_;*G70X>]L6*Y:0/EE[[$M=+K5QDJKE>4
M)7%<D(`K;;:8?DQ_JMQ*AIVG:GI@)L@^KZZ1L2->=39MHFG@A?<JX/JNB6`1
MW,,L#N%2@<<'KS;$1LV'FPXREP8KBFHO/^*D_:XL9E_\'8_@R?&1[T4W8A,I
MB93H,"[6@-W"FK+4-.?9*W732+L.>GV)L,H_FABR-E-5@QN"+(.A$8A*-#XJ
M(W/DP7>_8-W(Z2Q'U$FX[O%8OT.JT;M7!T30:0'EPBI!X_3(=I"^OT[K`EHH
M+>=D#[#=Z%9I<Y*);2OR27)2N.NRI'QB.545K5O371JGJD`R"JF=@Z[&W`QH
M0>TA[H:&%:,)G^R>C;;=R02ICZNQ"*F=YSJ[CZ8=9=EL_`V$XMUZ7&ZPV@6[
M@M'2<G]AQ/M79MQP&KT89%(>NMAK-B<M>@$(]<VS2QZN?Z=%6VH0:M.F5!W/
M2#LAQZQPI#LB8'D*'N-._P#CJ@B)JE']2NJUZA[E7[/@NK0;5773>:?RR?:\
MXMGW&S)0Y9ZIO\B^&P.QB>BHP@SN&H:C"+&UHK?6H/Q,_#QQL<Q&=%N5&B6"
MO5W1D^HUOR,^#JMGM-IVJ)J[E-N&BV.R,EJXUN]7U.72[_L4FM=LEQL1"NA'
MX+A60.=XGKC,177XT?C[@7*ZOV*S&>E>Y\ABNRS51AI@S53@H/\`EUD+1J*(
M>OF&6X32`)*2";=>&48+G,H3$D(;C\>3%BN<;:XYU+(7(P:MZ*:A/.U"!IC%
M,-5L27&2]5-N7RVF9N_B4G*B:K(2WUR0%@QF(6+B:_*"#6I$J6P2B3.]^R.V
M[)96%R.GVJ7M=@]39V02ZH%9OE5"T;,?ENIZ#8A6I5VI0*-#O=H8F%@%CBCY
M5RAQS48.HV.)-\E(C2R$9UEUV-QZ$XNKZ'(=?]"MN$5`+*(SJD:O,64"&6N+
M)T.TJ9O.0URA9D+<PTE8H]4&1H]6M!FDS(DGX!,:$AJ7R3^)].KC<%N5?L=`
M-^LE['>L^19BFB9R9Y1-@L^@V["UW@_%SBUTFPV?53(?._Y=(K+LB>S2I5Y$
M%HZ)PKL"9/K[;"T-M+2ZV%W-?L<\/>@>V'4&&#,NDP6XU<ND9M3&@70AS1-B
M?I>XP*C[&6%OH*%^EN"3VB@D_%WLQ\>H*EYEY?((U*`N1O'O0.^D")\0\+ST
M90Y%MVNS]"0+*>CCK58+\0]KK/5+J6!CP<*(R;&GMMK7'^/*D.-/@>R6UK5'
MB?4+O[3#T3T]]IKX,AUDN6`RZO6Y1UTI^NU.2HWKT>ZW*VVV8W+CW#+K/6ZG
M*I$JT0I4%V9'+=?)!$N-?B_^.ZV"E$Z"I7J_?(F0>W6/V6-6R%<V:'>(%'D7
M$^F\7$^1N=2+"31K5;G%J%>=."9A>7&4.9D1)Q$7!;7%Z^[':ALLB-JJ:/7U
MK]<](S/7)MU/5VG4\"[4[F.F=K5V,6(C:6[:7SHIG-+)!G:X$#C`OKE7JH1K
MHE]IQU#\2;QR*S$0_*:Z#=4<&4CU5V#2[O.:%1"H*L9Z=SL/H5C%VBWU";L^
MEBY>N<L&_"G];R&>P+TFKNGQTM_D*`^OCDSO(II3\1I/@TVD7D2]!-3CS<T:
M"GV(%7'3:D;T4-5+V\'+$]+:?LG[79AQ:Y4>]156VO-/P4,/H8C$GV%*XS*C
MJBLH=4)<B,7?^OS9+&-A5#@?)R-4B8C8JD41)L+S*+M9+-1K2^?"WA9'/CEN
MLK1?:I\,RS->--BX,5MMS]4_.82[X+<CJ[U[]:+[G*_9F7=9Y:81UV38FQ/0
MVA0H8V:'*V'23U:[`6&S^OV"E6RJUR[0:XHF_,-O)C!XB8BFXD**UT9;K0YP
MI/H3J""(";8`N8U0E&I-9",7&LE5HM`-S-A?M>+RMJQ1ZW4JD%N%EKT_8JB=
MFSHS0X;*.`Y,AJ&TM,92U"N2/Z$]$=C^_A[[Z3F4P(W6G\VK]9O-RML/)+`/
MMGKVN\W2M2I`$.B8;OP;-+(0>^V,V\^Z;5'?6I<\BZH6Y$I]2\JOQ#`/9ZI"
M*ZUGTFX$`-9HQ#A/2806PG`>%9M4;7H,!V]U*HV\6BR7T9/?F.(&(ZY/2^ZM
MQ^6J2XHB-JJ9ZL^CFM!W13E3L]>K:["9#0=:>B6RW)=LU0MF@;,4VDBQSD%S
MDJ[E*4<I\49)=ZW]O1"HW7&8\>/]P7(J0?\`U[[9VG1*P8=!68^=!Z_3=&+Z
M!?!-KS@G"ON2#:*9O-8H0_(:^5!7C0K()CD'BJIKI=CCLY)&021,6VH6Y%BQ
MO0:]?)(MH%FG9KH,F<W/`EPELLQ"3GO4Z'D$L.T&<CCQH^0NGY=6;`'AI98C
M-?`0<BM_$Q.E*\$N--G?]?6C#@H)-KD!W2PB'1(#,<S=UV,<"D,Z$)=V>34X
MM=H-$"P@6I9_!E\D,/0%3R#Y28B>^K\R0KR"[Z>"5:OZZ:&OUX]+<$!9-5B9
M2F#BU'L5:A7"P`\WJ$\9ZXZ-4A%X=L]=K"G%1@EP?B$AR7Q["_S5MK8ZW/:C
MK\H356VR$A_Z\=5GN6R+IMGAZ2X6.:5,-%+5;6Y59T=ZP4'<@U`N).EC*&*F
MP[77I^FC(,WI<B=^.(+8Y#<XU`A(\%O7H2P'Z+:(Q>*NS-&T.!0:W=`Q:U2H
M-QLSK^N4P=;Z'8Z+3#M1;"1!HH7A`*HR`HB*N5*B3(LGG$(CM/2VE"7(T@GT
M&U*B5<;VE1LXD6235*_6=#C%K`9)QKN%=S#$P&C"$JM=<LU?=)6:]4L^7B2"
MHR;!45FLSYT60IV2UX%R?D_`3T+V8500ZI<^H%M&:8KH6Z)F:%<.P]#R^KT+
M&`[F)FK1#K(UV'4;<4SPE#E.1A++##1'\KD-75NQO!7)5.C/5KUNO^4[!J.B
M6]EL.-MXQ,6L5ZNW(03JH6MS7@,ROT.0`CYY7C#LG'H0AP*(FNEI<%`UYS\2
M-&Y)=::&6TU0[]\&1X`\`>`/`'@#P!X!2WL3IA3'<5T#2`D$7/,5H0RX,2>7
M);KL&<3)00L8Y:'(;C$MNJ5UTCR>44TXTYP?&>ZE:._1?!4JNAR4Q[>6S/;$
M;R4N'-[7H%9M)6L6*P$Q`3$84.QE+/@E+SD(/$)?MC!>N7&P>PH22R9:<^V$
M%Z^X^AZ5'2Q)%MKSZ&U)^_$(;23=A[DIJ19:]H,O*"-2;MX!IE>@B@=HEF1L
M*S28[(^0&BGZI(A,SU-M\>CK1*4TWSJFDA;R9FO^R6DN^O@.\9W73%8T2?O*
M<4/5NO!06J'(1BLZ38<_N<6E1#Q>@U^UIE3JN\N#*EOC>=A.?(XTR^GK*025
M:/P5;G/]BMDNX>KP0N(D;U8R8S'JY,MP&>>J>52];T`1C\^P@UV6PU$C!KE>
M%]UI#L'_`,PJ7EH$$$=A(ZU%<F"N-/4T9?WJM>T1Q0S'<ELU;EHN^)!%Z@;_
M`!T0JK*NUFQB)HU<@'C6:6^B1;.Y5==[!%+:?GND$Q23RV8:&(RY0*/U+2Q/
MW1N=P-TP%=\[%B:S<;B&I5>U21:948=,>(XAC6F!85H@0*=*"`-.OQ;47&1(
M7DYD=*;'RFV9RY34>-,$<46E;_:.TC+K9:=2,@9N2Q>G0L3`3R6C#:A_(-01
MDZ]SL,"5$D5TQ_'ZJ%S1AUQHD\XY(FE$IC(AHCN)G=!(I4?[^6F[,U&=G>)Q
M%A;W?Z/7JB7N&B1ACY6KD]&RNBWDQ.#AJV;?`&`?-:'.C8RG9;4]34GKCC"&
MFOR1;:>3:9Q[W23;]$%'<T,.#;=.S>H@KTY9*\U-LEDLZO7>*>)E*>.A?#6A
MXY7L+"=;2U+D]D.CI;7&V6^QG7Q'$TE:_LA:O):*)I6#74OTR5J-(`FIQ&<)
MJ'^S[2QGQ1-5LMSY4)U7`BFZ_H3<F--8ED)TUP;,92.1](CDL6W[DJE>V]^H
M?KMZP;%9Z:+MO-%K1VQ;"XV>C""]>&U7`=)V4P]4(`T3+`V$NY+H/8:$+D0(
M/4+ZOYD)5Q;8EM6T6&<]CK)_IZ[7"?7$9U=,KV[,\TT4&P3@WT="CEK_`),_
M8NU\T@>(;.QRV::$VIIQ4.'(C3'EM_8EQGB^A3G[%(C/[*0CU-JE[.XY<*^&
M.3QT\K`D\M:K)`S>S0:1)I^F!1DO.QL(Q79Q*]-"IK\R6)'-F($R(-FEEMM=
M?A;"5#/:;94X?[8:]/SJLHM64'0$G/\`,R%VBOAD5\QA6*Z)%AF;T`KBY#DB
M5-O4V2[]8#CC3JOQVUN1^,R%4E%5(KQ7]@-WS]HW5[UC!R[:#*TG7@^<C:(3
MD'I%TK5(U;V&!O05C*K1R184;KU;Q1R%`0F#+X:D.1G93H_CLI<86U/PSI?9
MO9RRYO:J!4ZACTR]SKO7P1Z0LQ=!V?JKG\LTO/,GK4`A$(!C<Q^4NUZ3$<(<
M0CBH,"+*<2F1(2Q%?$2KY.>BGO=3M+8K%'7A8_1Q&M`,SZ*`G#<:?6EV:XV3
M%19RCZ!(,T>52H9"C+V8;/=:@S#<M;,52GHD1QV(E^%MIZD#Q7^Q8F=SK)0H
M+'#MVL9.HDX\^>&@RJ^*'JI)81FY8U-JU5J!R-1*G`T&6XE222Q26*M!67:2
MM#T&)*H<>?)=NU>T>TT_UJQ_3:_0:=!N>L9I>;)9&OYA(GP\Y)!O5_3=N'3:
MLF=541[LN.;I3+/P3D#V7&5*2M7_`"^](B2;:]/^9^XWNW<U%%TU>$(7>QYD
M!1"T)>JAFZ\WI-KN4RLUD(P?:JRY$@%+#C9!6<32/3^'\?XC,:4^MOBQ;?7T
M-,Q_8#4K<(H4L1D)(N?NEZATNC!;`?`06(^@NA\,>B]GF40C30<?#G[OR(X3
MBM3%\:&NN,-O_E,-*5%I'Z5[[7<A))$SF.2'`]\N54I.2#6[U6>2Q^C6"EXB
MA&<6.3!$/,-U]5MT21)<LW'9?V-*ZTW"<2AKY`M7U-O<?[!"L#,;K8JACZ)6
M@U*SVG/W*Q9KM'A5I-YH^?VNZVR(Y91(4C)F!8$JES8,62Q#^2;SK+_QLI<4
MA`6<G1/L'?M)I2\7=HAH0Q:[/H5:`SLI77OY,]?Q$HB(F:$J+9>2Q<RK"L[S
MR*:+*)\B*;7)8BH<3WKJ(DD95/4Y?HGLOOYNL5<G.L><$)!RY>C]T*RV*419
M:AYC[;6..&-Y@&9CVM3:+)3GW4+A'9:GNOCGT]=A]?ZEWHTTO]_^PZ9Q+2-&
M.;=[%Y=>WI3XW/7*'8*5(-T\;3S<P%>IVA152@W`EDL@^SYPRJFMQ1163^O+
MOD8Y-J5$2TS%>>&6E1,JOW%]@MFQ<V-KF7L52>=T*A3RF9#SP>625+MV86P'
M9]6'RDQ"L!V4S.P^80D04)^U4>8.Z[WKB.J1P6*3\F'Z[>[,[:-.[1(E%.6*
ML'2%G-@]/KP8VFK!*82<L]CR1PU(2(F@?U]NS8'$F=).EH\APF6CQ68"VE*D
M(!QHJD0N/OC:Z8K710?,>W.30)NKPX=EL%K%58;VS!ROLSRAU5P*(#ER$BO=
M9]=9+$TIUQ$EIJ=&<XP^YV1QD6WP2*3[Y'`7[-5JP]R!%J,JQ2+W/&:,-)<&
M5.BFLTJ-XL]>'O5R%-L,J!;M*::@"U_ARIT&!(?4MAYR'%E"6_0C5+][[2]8
M-,*WC.W1U43EU8V#.`(ZS`2TZ-2)8'-R/SG"4,9$<CG+&K48BG(:^2&Q[T%U
MMI^2TZRZL6U>AMC/]B+=<16"I;#+C,K5GH1':&IU0)3+H5%8<X]V)5KP<@A:
MFL"#,D7V7Y!0;.+1HH4>RIWI"3(YV(D+#I+ULTK2=):V9W3Z^-J1FH[!VJB:
MN+/#+5&!5YW)\IM\.)VRC!@=)EZ1.MLF2IQZ,T\U\_P_\D-(6H1I*E/H=+>#
M)\UO6'VAT^^VRBU@^&KG*+89!VHP)3Y"S&-$;L0#(,\UZ2=-V`BZT(GB9*;L
M^,;C)B(D)[';?[([SJF>#;BD44:]RKUJ]Q>&U2R($5ZLZ'7V!!6FO*`3#U5M
M%QB"(PJZ5YJX6\D+."N5B6E:"7`T]UF=WY1,/G$]>@M27\B[?8OW=N.6;)9\
MMH4#.SSH.IR'IS-NG"JP0KMDAAZG=)9)3QW3ZQ_+P_\`!K)]\:-^("&2RWPC
M^6%N6MYABA1JJLK"5_8KI$ZSAZI3:IG5E)V>W"Y=:4_-@5P+*S$N`:,4Q!.S
M6G4`0\#IFILM3GVP4]N(>JW1LB.^&*HXQ.D2HM1=-5]F].CX7@%AMEPQE%TU
M37;9F]KTHV**5[+Z4FMN:610-+!$7!N3%N1+E%9`1XLDO"1PQ+^JN*=2B$_1
M159S*)_L"T>IUX-51<BE6\A7\='V&UF]!FPQMH"G`_<B-V\O)8-:A69^CM]H
MVH*ECXB8M=B$B,9N!%,R92W66!;%7^9/7?[#-)(7@51Z?4LYLI4KH9A#'Y)@
M95:[W-&YU-Y2!_\`.+1I0H6WI6A5.RS#CD!<1)RN.")(V3797?C(."6_4OFJ
M^XI$KZFZWM;D&J6S6<;KES(7/.*9)8Z)$V`"DFY!&QR\>U6F'8ZG_P"`OC=C
MB34P2C,20ZAN&ZW(AQ1+?=3T.?\`O]@VN09T2M'ZMC863+J08RO2I%C>)9N'
MGV#9XN50^V"33[5;ZQ`Z*I!%C1R<!JU27!]9XY&?E-J;<(-BVKT-38?[#-W'
M2[@/!Y[E!Z*.T9[+Z[<>VRGAJ\T>`B[R0:+V0><VP9.'5/9F::R_62)!\+$@
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M@NR>Q`P=.HV@BHM\I@$!G,TI.5?<VB%<)S`]*U,I#F6,("B8>%-3)*R?%J&M
MJGRUK65C_<I*044TC\N^]F\"!O#-JIN.`ALPF&S_`)(Z8)EAE3LQ&AY3=YVO
M6^U5BSV*IO8^$$Z&_/FPQTN0_%@1.]65^J'7.!:C]@_9GV*KYPE7X)W'M";T
M_:"]6SFW/Q;M+KX!N#<L(J9LG^+"MD_A:ES&=2E2@HZ%-95%Y"0EV=(Y)6N.
M%JH:5']B^CA8&>QK=7\VY<[#8\JDF*X%BEX8XA1=;KGKR5B?QL]:;L&DJM%+
M*;QR-(:B#SLLHT/Y(_7#8[KCT:5%J]/!%:Q[R[J(=V,I98=`AD4YWAFQBOY,
M4)0Z6[#N^<XT4O\`5L;&V*U5>(<EX_7;%(-%Q<PZ+(GR)>`W#0QR2ZMJEM1T
M!O.Y7JK:[CUZJ5TJ([.K+C(KL*5?6KW7Z+73>H:30PS.I7\5'MU:@R@HJN2N
M1(4`HTS+C$""6^3(GS.J\&4E2C\F*']LMPT/U']D-X#C\[SH_0*T,D9\V1%6
M*RP(,R-DU%T2S6:UIFDP"2E?F/7!Q0I#*8GQ#F6Y$EQQ3JVVA:*J13)'W7]@
M\I'E*Z@9G>F3[5I^Q*SNVDBCH4&)!B]N]F1(P);K!==$K-:Z-/-Y@.$UV2DM
M!9&1I[*.MDUL--2PM3.D?8[W"O.+V5(X77L_ZH;F='NLBC68Q.7>[Z6OY'0`
MTL?G,D1+;'RQN.JI396ROHBD?D%3/NYV%Q+;SXBBF5[6_=?>9&QTW&RF;9_8
M#""#7;H1K9@?4XMI&%A%6.)BYE'TG104Q=BHXVULK(14(..$OJS_`,!;<E+C
M86JE3J[<];M`''>7"@EZI1[:,TO!*U<H>BH$66/08%\U',1-O`W>/5+DD6),
M1:/=>O+=054S'9?;E(<6UUMWH)5=&?/^H^Z/L1GF9!H9P/2M)+`L8LNWR2\C
MMP_D1ZEBJCHQH35I;TTJXQ(O+A:E-*G%EN,CD0)"_LB?>PE3HU:F_P"9;&1^
M[6[W?51.?E\=JAF-#J<LX;11KMEO[Z[PI2M,=K5VS%LCNLX)-$S>TB#!EB69
M1E$":1D]DF6/URFI(CBJ5+(]K_<@QZ_7"D5H`)KQ4D8K3MAL%3LW&!Q;\4PS
M88%8>"G47.'^<_!/UU_A*&)#V)U$5'7'W![3D>0\(HU10YSV^VHQ:*;E]@,Y
M'0CXW9?6V#9"8F3:PL_5QM]V+$W"-0R`<2/.S$RJS4[HJ/9T2OVB)<&6A?&H
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M79\VQ7%6JZ_17B8^4,MMPJ8^KI#9<V^F/%*'%=ESEI3/6TPE;XS)4.Z_!D>`
M/`'@#P!X`\`>`5ILERJF?99?;C>@LBRT\'62;]CKD4:-,/V`2^SV%+"(%F94
M(.0X6;D_CJ:EO-1EI<[QU:4?=W@J570XM"77^O2G9+9)INJY3DE=?KNR2+MG
MMQ"5B-<FPF;6)=9UAF8!"S+%)L<0*:R1MMMT4^1C/M@&5P7'&H;?6A:2K]S7
MWRJ?UUWBI%A-L3AN==$U+^+((.D<S&V(7EX2\2ZE'D0EMS"[8ZJVTDS+&_=(
M0W,>8E28KZ&GN/M-A[BYW[+Z*V81%]:W[1Z]&!(,O^/%R7EBJ$A`T\"?)6-Y
MU(1$[KS)>%-@3)<A_O/F[)2\IU?75+^H>[SR:=C0?Z_J],B7D79O7>$1F5!D
M^+E5Z95%3)]4QYJ:]`)!@@3JW9G*0QGKK,-<:,J0R@+R.S]>14-H#W?<JD)[
M`^ED*^P$U/)68Z;9(S(!6M(@T^JC*)<(H3F&&@<\7)2901BHS$)I]6GN2B8P
M>MN-#XW%<?5"2T@6DJ'0XFK^FZ]&J"08W%7=+<=&%*9`$KK[YM3]7SVLJ"%Q
M8B&ZM/R@LU?#*AR_A^L<=V$II?$_!WP3W4]:%BW'UTPG02YX_=<GHME-6F"(
M'6,H5`0I$TW&`.MN!>DW_CXN7*%I:2TP^OZOMQ^?!Q?P_P##P2K7@T=AJ?K(
MQ8:[E=B!9/!M%F[*.U2E2X8$>8*.#C8.X22``8E,>4I^,=H4`CQ4?G%_,&0\
MG_\`!.J;#GR43H5O]5*_K#'K1:,IH*X+E0$V"SDI<6FBZ]31-C%V8R)E$HDQ
MV'.@CF!/K,E^20:XVV/Z,%=^[O>(4P+S2IERH?H8JJ?F5:L8/;!I^O46D1*U
M27\_8<,5D>5"1ZA"@BEE@X_XZHX(BKC+3U,R-P6W'C?<^PQ'\#W5-?6-Q])=
M!RO'6FX>4LXX*SV9H("-/<I*:+C7*J'SFL-THO$C37!=>L*P6Z11K$!E"V9,
M.2\QS[V7VTO!25?N=",C_6[(\K`Q&&<NIF/D#E;+5M*5@X]0-6,N;@V2JE!3
MW5KB'3!$Y'CSH;[:GGG7&D/(5WB.*X)RW]RD'XO]=E94,GRW?603S/M#(5L2
M]-(4IF-4=$Z_".3`$1,F3^,((CY89A]N*GB&H+L5/6DM*;Y]!?=]R1UDWZ)5
M:FVC+*J=]=`E%N@^^E+A3AAFEQ0-D&U@4JKZ%..0D2DQB,:O@ZPL=-6[]W(L
M02MCZI;@K0R'NK7U(Q<+K_7JC/G3=F-8$1I`RI6J^L28K@,S([7<]L-LL=P+
M!N".2SDL@"M/3K\UJ)Q<[LWI'CB%+_*YX'N\<DYT/?\`U%"!+;HUHO&0%Y66
M!0SI)4@Y5'#XK[76-)J`%CA"4T_"GSBU,:(P6%];^R4-^;OV=BK4V"4O!75Q
MD^HV*1,0U>3C>;ULSLUDSJHU,M+$4^LOUN.BMQ=!9*$C$S[(0F)2JQF<>8Y^
M,I3C\@/";YWO6F7&@5SX)Z^.]'PFB5$6XWZ^!-/C26X=1'LR*<)M?S!:Z+'-
MPXT2,[&G2&(=;BCV.-.)4UUIB&CZ=ZW'XD3W4]:'YSHCZH;AFU@KU5`9S9L2
M]?K9_%!$KG`!7.1BQ^6`;#-GUF2S)DP(8(93M,>%R/OZTCD?LIGJ>Q5\ZX*[
MD_NS!+7KT+N%;.RBMO\`7([7-!A$S)V5T]2Y+-IAT<H+)3C3[[$KLB;VMFRH
M^0U+3WJV)4R(XTOCC\?JP]WW*?T5/HF4LU5SZJ_Z+#W_`&>C#0P2ZU4%DUB5
M6LY$AJ\:JLR0..L3A+=9/1J<$&#EM1U+4XT,^)3:H\)UH/=_(E/'?03#\XJ.
M(6JSY&2$0(8*E1AM@[73]A,2S9D1B$<@7@@A_P#XDLE8`;`AR0W&B1HBQW6T
M<8:A?1D/<W5%LV['?3>FD*G&N^?XC6R-G`NXS36;`&K8YXR"*CIE??I`?DQM
MK\A!0;8'8"T)_P"X^F=R/U2NO)0H2LG]2MM2VOT::J]/VLJ?R'2)68E/XCE1
M(!9:N8LD<Y*D4T@]5J01_;M*=D2^L@Y;K"7OBD<1"6K[NJ8ZH5*7@D^GVWU(
M]2@B@INKT*G=MY0SLD*H"P`D7RRF\X+U,N;NR7'6(H.,0I#\L;.0](?8[%:C
M)5'^G&><2'N9)<SYZ=Q[0)BY5)Q3MTOLF9L`9JL$*Y)L]FD18UEJTFX1/@D.
ME9G!L4J:@)^GU3%2N<TA"/MD\2([O6I&[C[#^OO^^#M&T,93XY/U^##;$0TZ
M[%J(/@9Q.TNG6A4QJ)VQ%(AX:R5H\54:9+AMK0ZV12PXGXOE6D6CI5>IF4*Q
M^E@_4\ZJF8/9)&TQ%&LF>YS#H<""A42C8[&`1SE+&R@$;]+"'T.%:(C3,%Q:
M%1&GW6V$\XE]/`=U.?!O;46].:S8;+7[F1P4+9G3H)%N#V"338A95BOB;K/K
MZ;!"FK3(X2L[%TL$EC\A/WOL$9SW^6W7E=$]WH535K=Z!VV)2E#(F*-5REVF
M0]F)P^W5`T5-_'GK<&L<&M0CTJ+9OWH(CBSTV8[(AMQGT"V)C+K_`&"MR*+[
MON:F4[_5\,@!OS)GJ/`@&R/-/"HDD,\C-DI\>3-`-V1AIU]"GVX,FJR(K2.\
MZU'_`$JT(0G@[O&`]_W)B05_7U3392>2G^ME<.5:^EXI=<HO3!TD/>]#&3")
MX5-87+;2U)LP^NRY<R$I/X[BATF0XW\D9]:`]S^I</KMWUZ;J5F&^MP^FC*A
M7]%N%6M,.E".!X+&CU.6S6;8P1;_`!8JYQ:$L0S'5)[\J78[+7QN*:XWX(Z^
MODOWP0Y:&>X?J[/BQ9PW30BH\D]"!PW.`+-&4X\21(9CGV6GJ^R]_!E<'/-.
MV7B?X^RJ.XVY-0IM24C5LC20/;_UI;<G$/Y77!]:GOC)HNP1A!U;Y^04>M2C
MEBG!6*N@F+JH7^)OORK)*Y^GXS]7G933:>+6%K/$;[8>N]XU\WDS3T`^3=A4
MT&,+<JIXRB[F#MDU@7.KX2*FK/K-U2G.YC+E3#S#LBO,?D*^^2UUI:E!1TJ6
M)O\`=_\`3M#_`)F%R.'ICDJ^4J"1!12M7J[Z2]LL0FI!+.]/L+/($J7"/$H#
M:W.J_(;95UQ'>_%]O1%R5/5O<SUS.4<I.OLX10IP^UFP-TI!8.7.)''A-JO@
M\D7_`"(583!LU>BS,S-3IY^(V\)'I%RW9<IKD1]:!;77@GNF[_@V9V\I5=5Z
M.`]57:-/CF)M:D6"+863_-6+QQ;,8&*,DN1Z@%R,L6FOR&6X,&"GLCKB4-O*
M0(DWX/X3]D/5D8H*R0O%*Y_)2<*Q#N-!9DYM4V;8#U31<":X8:0V%B0[%5YL
M.89G=CQH#S'.27VN.-=6%&5_!]K/4*H6-^8)=E!7KQ1ZQ94VX1D&@LA+C6>7
MIW.J+!$$X%.[_)'#%MM"T`HT-M]))LAV3#^9J1QQ8MLB5`_;+U()A*^@)H-3
M[7K)-4(#,-UDY"%+;F"JRY%(2XS]=CQ@]5.B[X&;@EI:6!)/AJ$S&D/*F,(<
M$HSUH?LAZRZI:JO0:"^U:IVC50^='.1<SL\<`_7\WC9^1;9L)(I5X,$2TH+I
M04@#1.ZVS.@2VGX:EMNL=="C7)6(?W<SEE[I"_9W)R@79I]E*A+=:B=8D!+G
M3J5;IF=6>T-3*ZHN20?K\R/"5($SH[#_``>186T\XEN2F.*XNO!M[9I7KC8]
MPB3CA]XY>,DF$HE(KH^U7&>"3=QL"ZLVXP8H@6"^"!.T]IF1%EV,BTX.CNR6
MTNO(D,1OH%&D3/GN!ZSP&I<XM=0\`[W^--%H0JNV>QS"ATN@?%C!JQ,!5B4Y
MHY`,1>8@RDATSG!TGK3,E$=U2&_`M9/#6YX%1F:-*)W"K!X>J1_Y53R,*!(D
M#3D`NX%6W:Y1(2.DP10LR0L(UALD0<C1Y<^?%C(=7)D,MK$HRFK1[M^LT:O`
M+;73@V\$;O8:?11@]NO6`43DBKK<,TK?29Z08JZ':]34P]2#D8\PHF*+*L38
MO(S[GY+*NBVLR3WN?ZV"@-89J!D;<9-GNM'SL)4Q%>/CU-L72YYQ0&3!!J16
M/QP%3Z-TL7,'3IR(HP[#DQD0)#R9+*NA:S=ZQ[&0L.N0^D%<A+2QIFL2966D
MZ\5I_&[?;()RBUABEL`79L2;4HTFPWT/!9*S.-CT2'/M=ZUS\=3XB5>3`">S
M(2SGJ57>8V?BV<Q0M]M:7#$ZB,`:O>_7JXALOO6:.V7]T_\`:8>.SUH8*LL<
M$]&1TO./IXZAKP6AM:5[,8Q?L3"Z[=V@--J!<QH(=/[V2$ME7ED,HBW>;9BM
M:M->25K=LJZ:YFI0D.*15_%,'1>=2E#O_92(TTZ$5TGW9P>MJF#EN,:%%)UH
M:Z(9KHTK962Y*QYQ==9#!+`S#KQ&-6JV9I5-Y(07FJ[`2Y*2AWB.M.]2*HLM
MZF>PF3W['Y&NBY<^;4&XT)BSCH=-N)<\,)$!@60H'+ID:L*N!&0L<<AN-<;&
M+Y+@2&9+7%1G$.=$HTZ&BN7L?Z\U1K/1UF*1WJOJ>=V+2J@<B4TR?HL^DTY-
M1(KE2BHP-.%PGR+MT&_J8;O.2",M]#,9M<E;3:PH_P"9HD>X?K45F6J6X9,2
M8N:UNN6([:'\MT&4*`"+U+MX9YI9%%1?D"Y063GY-BQQWD,+!]A.)(\8ZR]Q
ML6UDDD^PF/B:-%U'0G1M3%1])TRBU^4Z.E6J?**9]9[Q5")H*S70Y$IV-,K5
M"F%Y+S+/6QXAIUV2ZF.PZ[P2C\$#I>S`K!GGL/H6?9-7IP>N[%=A!QB8;_B$
M70_X=#`A+;I5B,W"I"0:(710O[H[[#I:)*%08_4RN*ZIAB%IRD?K'_;4)J5O
MIM:=R>UT9BX5T>@8;/2*R\U$T+N6U#8;#ETH>,GR";,^O4B\,J[.XW^%(F0Y
MT=/4]9;4_0XT,3-/;;`RV=3].M"JQE0JHF;X$@QB0H_")@ZD`G:&^P3E1"E(
MK)`+VR5_)RY5R'%9D1FVX:D)D2%HXI06NM#\7[WB]::T_GTQ^PC33EB/3`\V
M<2"GPKF=`FF[XFS&+<\<K+:ZA)AR<K+,J$DE#R$]0U_X6W/QU\X"BV7?8-DQ
MZOMYT4L<N1`GZ`V9G9[`G4"X]M\_]17^G3ZV*M_&%VT))'@(G%RD2HD9UM*4
M-KYQ?4(Z)1^A63GNMZQ_DG6YEN(1HH<%7C9$K/SF_LP)#%FG7H2X)94[5/RY
M-@KBLK-K/CNM<E@XHF2[/;8:B2E,"VLQ.>UN0F+9N(>FQUV;N6XR2TFY7&LM
M/CW##($O=ZX_7J^:F#!\.Q.C9M-GLLD84Z5!8F-NQ^K0ZRYS@6O_`&D(Q;V2
M]80^;9V`*SJ90W@U(D3A`5=K8UV*#`3816<XP2UL%%-5N?<[2#"3"<N`X1<,
MSV6),E;;[;;KW!6G4Z@I6MY'9[>?S2B'QA"T4T>^_8088029C5^$+MEBH:F)
MT]`QD+$=;M54*0F8WS\==5`D*:0IMI:^#-'Y+<\$'@#P!X`\`>`/`'@%8;1F
M`W:,LO&5&)G(`J]`WP!*2H?%+-\@RG&E2F7AD[O(<^/*9;ZTXT[]6W&U]XKG
M>=^G@J='4XD(_P!;E,>(V'HNXL#ZZ4H=WH-8`/50@MG+Q9IS<>T3N=Q`UXKU
M3@HSJ#O9<:P@D'**=$LL1HRX'>O.NC5YE6;T1`6239XQ#6XZ[_;+<%U9,=P%
M/@"?S0UQW0N>Y(K-9T*LW2=32C7L82'=;8/178JVHJU2G5*<;<A+O["1F?Z_
MZ*:K!>F.6XH*K)D$2K+HP"&@#OUX(GJ=KTM<`/(=E3'H?(2;3T=&6YU]3;45
MMU75K^O/*+F:.'Z6T//*M-_F&J!*[VROYF%/V*..D5F`?LH.RZ,R$FJDZ!H%
M[+.VRY/:A''_`&+)OI<E0F$Q&&^.ICH+@MS?@E=9])\__C%OC$;"`/:%;K/E
M[]VU,!2P8BSR(63UO**WRD(DK(GR@\1._P!6L2517YTCD21+[W[%_$CZB7?V
M$<S/U*?S'0*O>"OL$!F6"@DA<^XRPU,9HYTS2E9'2L=JF='I36C%1\;/BO\`
MK2":DQRD`BN8?C?./='?9]G@-U]#KJR9CF"[(K4K-&5",!.P2S]@F7"QB`X]
M`%M"HTR;!2>AUQN+$;8YUSKK'Q+YSO7/N_SX)5^"KM$]=2%WW[,]LFZD3@5W
M.)8(C#SF8/F3!/[T6,T<"L@%F<M`\('>L\?1FTDG'Q!"<]T1";CR8S?SMO"I
M\4-#[,>JE2WB+<)UQOQ&G@S=.!@"KL9$&/'%Q:Q6=^!,EU%)<N,F-Q2MU<D.
M_=U'.)%H1]W./K4@$Z%+C?0NFNV\+9>:L*8MKU-'B9HRI5U;`@]1D;2/WPT6
MBPK5?+Y='2MEV!")THW*-$>]:DKC<Y]%H4D6[BGH1AO^OD&1@5D0:]@XIG00
M=<SYJG3AM7:JT.4!R%60Q*41(5>I:")L9-AIC-'&RLH68%_DNEOK&7`3%CM^
M!=_8=<:+ZX1K=A5*Q:IF@>=JH,>F,4^UB*P9D2Z%(I@CH<8<S1F->A!:I645
M&[W@V2^2),LM*5'FL$8SLAEX1/FIPQ?/0"Y9_5)@G#IZK3:K@-OF32K*6#C7
M4#,<T4K"+RH&BR;QJZD2)M7(1^N0"=5$-I80N4C]`\Y+4^V+=7R69HW]>8(H
MQ+/0+"2L4\7FT`$+"(#_`%-IN%*+:C8:'9J;^?H]4SD>5:F:E-BSV3D">Q/B
M?<TB4.Y(DNK!2(K7_0O3=(#<L.PZR1JYH_+WTW-H0ZOL2A]3,[-SV,!H(!8@
MG0RE($27J_N;$PQ'0T;FOD1#3#9QR+UWKP74\$H?]!(<LY>2@'9:Y"U":>O5
MB39'*&3LY6M0MU%:LUHP$K6#NM$0O\=+F-1*DJZW&BBEP78S29JS*>2>OA=]
MN#HO:,?SXWE68YE>=-BT8-7U/5067)3@0>9:I4_%-#RU8J%TO*8B=+.`K3+)
MH:92^K[H/?\`M]:XOO!E.CJ4XWZ"(-C=$9T37)EE,:D]4?Y62KM''4Z*W!J=
MJ`V!J`#'N'K)('MRX5?:B_>]*EK0XKK_`/R[SC?!;OH7'4<$M]*Q_<ZH5NL#
M1[IJT,M)02B5*#GHEJ4QBE+QZO"&!+9BQ-LM]'T**_(DO27/ND27?M0VPAII
M`5YKZ%&TOT2/08"[;9-6C=V`L"R-<TJ/SZ!%IXJSXX9Q`_2E<J;%I>=("8KV
M&CHQ1ALG'Z1^=]V.[!^V*B,%WIZ&"Q_7D0@Q&AH[<7&1B;67UQ^/*S$3*D2=
MT.A@(TE;.RV[/$[%SY<RN1WVJRPAIYIM3C'[3J/BZR+?]B:5#TQN=)@V:$)W
M*%)_F]UIFM6QTGE49WLK6:5K`W2X9D1R!>1JQ5((PA3`N2"<5*<3\?)3$YEU
M;Z7A+BR?8?UY>]CY]%7!UF=6`%&/,OV&L0(LDZ'.$PMVH5SAR'HL"T@(,.U!
M7J4L>TZ28+1XT(O+ZB(B3UF0T"=#GXKZ'!%3(=;K6ZL`K"]CU'RBP"Y].KY\
MD2RRHB<H!S98<(Y8!S@$L9)Y%!6DDIN9%B)DOL\CN.<CO,"W'5.\8&O;'ZNO
MEP56(@<9;`!N'VOLG4'@%L=K,^1&84Z4&I%D(A:GP7$/K1+:4QU]I3'5.(=:
M&4Z%44OU$IN=>QK^SJN@XH7MQRZVN)5;%"*H)QK86*ZD167HBH=Z'5^-T54]
M7FC)O9($K,<C\4ZU)A\D/H6+6JH;C6/6BHWG19-J.Z4JOS[,;HYJ#7GXXCO7
MUT5AJOH8')G36GY?)TVP14.*0WWK3[[*.<ZIQ'.@I-(RLT]6RV=:PO2X^E-2
M!7;+KI*+G$"I3QM-`@=;3329@74X\^[GWZT7EW6E,G"<AA7ZLA.FS5,"X+DE
M3O`KQ0T&Q>E%>UNV$;?-M"$2"NE*O!``9#&I]6)@RF+UK$[13S,*JW>AERT8
MN!K+<AIYV?\`CLNNN,OQ9<9:VE@I41##7H]4R+=C!W#7'U,V>F;35X45D.*"
MEX=(T!S?N%93<F68GN3"51C>R;[3I!MIB.OD2-U;#7SKYT+GZ'I5_12K)#39
M[%^%OR;@)_*(F:C6I_`IHD4HGLI47KA$<ME^T,_*FFXGLH_/==>,RTNOCD?&
MI#4E2&PN-%5_Z^*!69QX&SH,.21G1='E"'G@TZ5>H-8U"M[+734`JZ8O9D-*
M`"[+M)*:/Z+#`VTJ;^"5^4ZZ[)Z*YMG:>09K,RL%8*Z]9>66`1O5NMP9Q8?]
M5,$0;>5<L$H)-=03GLEW(1N=+4U*0W$^L9QII375M*>=&6ZEK^"'RXS/T&I]
M@$YP<TC3X>G:AD30F@SG?TN87>FUZK5V03GSL?6`)TQ41WD2?8'7^%)S";$P
MOX?J]Q"5(<AMR^G@N(YZ)48GP>H9HFC5V6QF`[%"LZ"Y5)TDYE7Z@H#L]8D_
MN*R09ARK9`(-*<(1T-S(;\-E<93?.NH=I+F:=OT#K,=P6U"UW180RM&,]=H\
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MMCTVU?S%)(M)*]U`[HG(EH`T2\5^,-M8^JM62A#:_:JJ1'#:Y)/UA1N(\VG]
MA`+$IKC3_P`3_6>"W,]:AZ8Y_5K<&ZQJMEEFPIIG025/C,T,.,<81J5?T2M_
MJ*B&K\5%)J<2U5&0A3(Q$:+/D3I[J_K(7]R`N-*3_KVQ+^1TVQ3;$3>+"@H&
MAQT6L3GUG:,@Z_GV;5,=`%Q['5I?0MJCMXW`+,$QG69[$GLM2.\;ZUR.%S+A
MS3UHIN?WT/?:=>;'+FUT61IAP9*>KI2`6'KS3$,Z4,)+9%-S1A*`C!P1+JV7
M6G>RG9*%\ZP\AML&Z\%>Q/2+,A"84V^:)<[>+`'2":I`MLBFC*]5:O;;J6LY
MJA0HXJMB$38ER/GX\>=,FN2"DQJ!!8;>;^Q?'@N9J8_]>F=0PM+!Q=$T;[:K
M%H[)&Q3/X?-O-DG4IRV3)!]RYN5=)>OG[Z2NI'ME?&]C(,0IC\)QOD9Y2/`N
M)16/1^DUJQT8SR_7XF*RPX5/YC69?:LR.J$RVE8EBT)M$Z#7(QDS'NEF'L3%
MIFR'NP/LZS$ZTRKJ/`<FSUM?HYEMK9P]J;.G.KP_,&,?%/F`%*M#IREQ8]6_
M%=?_`)'6R+=>MT`K384R*7$IA28[O7>)Y]%-=9"Y\_<T!OT#S\O/_*CZ)I(B
M(5CYT&O(V$]5'6KS4LR'8]$`58C*G5B5-$19,G&8;LN2/<C3'4$Y[27$)<C]
MC!<R/T7T!S&JQ:U#HVF'A4"I&JF,LS=1KN3B'+P%RF[TB[4FI:!)"TII4HW7
M2]$C1IQ1KD4O/ARI+#[G.=C]CA<_4MN_^J+.B:/?M`+ZQ=V47*JTZN!`+(>A
MOM9I(H!X1=:L7H)J;5I!T>MG1`K!Z=%E/RXA::RPW,0]&BQ&&`3HJ&]#>LPH
M!&J4P9?+8FZ5&M;J,8NLJ#4Y<HK:?86U!+U?KR6`N5[E<=)?RX-^5$A-QFAC
M#3ZV.L*:2WQ`E30?^SJ@2\1B8D;L5J+#TZ<WK92RMIKH<L0M4O15Z'9X,04'
M!1*N`J=K_,G!)0V#!9;X#(2&4J^=Q4GHMW-2IP_I#B;7"]!J6LVI%EJW&U6&
M&P8I1NR`P5QE;LY`%GA3H%UP?#FT;:RH,0X^RAUD6)'K94IR,XXZ%S]?!;Q[
MU@I-FHU\S,=>[#"58+]GU\/.-N5@\Y$*4JG9O5PX&P5HN'G`CM5/`LXA.3!I
M6*^S+[(<5SZ(^+B`NYJ1N_\`JYFHO*,F#&=6L&>U/UQS--,@W8A+H\!#((&G
M/2H.S66><`\K@XE6[=E(`NEUIB-!<7%=C.L*BR%M<"O-2!6S^N^D7D`;%3M;
MT)<>\-.$KQ(_5YN4A7*S&9^TD[!;)H4O3"-<2^0>W@N_`BIBJ@B)L,;+BM)?
MA_<Z+>6U8_6.F':D!S$!IMIJ5GHEDO>AC#P6342-P&PMJ>TL3:&IH<X"*BU`
MS<"YFH8^0["XMF3#;=0XXY&=2L2OJ;*#A632,OTGU<`76<T)*(6Y=@`FPAY-
MPK]0OLI;BJY-:_'D3!0*U5\9+&LO26?R'X2GE-N]=3\J0JZU-^*]<*V)VV=L
MK-ELSS;Y`K9QN>O?HTU`'?[#3JYGEANXYY@.S9%3B5*JD6&F(].=@1UORWVV
MN.R?JV)7BA05S])<OL!H?5I^SW8''.BK$\YG\8A0&YMKEJ@[(-586>D:S)LB
MFZX,W8HGK<-:(WR1X+CW.];=Y(%N?D_1+TPRRUV,A>ZUL5@CB]`O1^X'`L7F
M96ZF7F\((:U*%L2XYVK&$DQE6_V2:8>%-/?%-:@L(E\7^._\P7/P2Z+ZJYQ<
M,AI>=A=:N9<?G=,TO,1UTK]D`3BB%7;D2'8(S[\,?)&1$5MP>B)$$MH;AQ("
M.0'&EL)^SP*NO@@4K^N7.9(,&#7=3$B(!G(.0QI.A9$4JG;$JT[F>F3.T611
M$U!H*^)]B+&*;%-Q$0HT;D)UI*9$7KKP7,L^F>FE.I:=/'0[O=I=7T'.K-E0
M.IO-5.((S:DVRRW6WE!]26,K4*;)D-G+Y,Y'=(NS.,0F(D=*?HRM;H.39'[Q
MZ'9U=G9L1=RNP"J$!8AZ13P+-0C"O]@UO-BV45K2VI#]9D$6S`JH%^\6/X[^
MIE2XL=]V,K['4O!<7%AWKZ*Q*3<"S-QM-VL5^E/$[6;LS=?BJFEY=ZTG0ITV
M&/K@8*/'-/&M/G-(90WU#41B.C_*TN.."-U.@O!!X`\`>`/`'@#P!X!S+[CV
M6Q5'ULT\_4R5J$V"'"K[$"=1GQT:Y(X2M]?%RV*M(+\_6,'YL&:ZQ$6_U+27
MG$]4I//^7!8\LX3=J'N+^J.G"\WV<D5!5@BBJQ6*Q=ZG'U*-EJXWL!.HTF7^
M088^:_P[3*S]%CERISLMP;'ZW)4ZU^VX^->W[&HK5<]QZUJ8G6+[4-LM][K=
M9/U[5I%8*T*=1+#%/W)3U6#816Y=F%]C"6P;(62;3U,!')$);KOR2&GNK!VM
M$ZS:C^Q96[858-EB>RW;A2MGKYJ\KA:!#9R610C.$Z'6:M\%<JUGCBC2`%M)
MCFK<W(B/2%%5297>R(?8SB0=/2E*'Y)Y/[):!M=;=MS>R*JU*]D(>A6!V7=!
M`Z@R8@+4[:]DTW,8(@PF;VGBL3FQV;)`>:93))JC=>:?G(DN\"J2_D1O5,T]
MG`VC:OH%4@[@Y/+=LB:2"H5D;B4VW#P>SLV0=43P\%;*[VCS=#K4YB(FVMMK
M*0(B'EO]>99>BOBIJE"PMFSCV7G^P6CVNJU<H]G%ZR;$@@^`#F5*1]NJ56R7
M`D??O+1QU*K!2Q=,+.Q('PI;1%-NH?=8D\=CO#H1-4^Y1VE9'[C%LQ-T2QN>
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MP`:]"B2]!DV:MOR41AU2#H?'F5E$)?1UI*WF(*UK]RXO9.'[FO:4.,8&FW.4
M.75JW:I`I12HC^,6LS^WQTW2Y40O,;EQ8M=KVDQ]#5]BNMJ)TSX4N+6\EAZA
M6THS29G7?<^OY1[(3[+9;O;M9KIP?8<VJA2)`&#+>4SN[6.T("T^V3K<4%2:
MQM=%'A`3["8X2"-ZMQQQMN;(G.(!VU7T*G'TC^Q%@]GHNS7W08M>K-U:J4VV
M#(@&USK.X.(U6]UO1;+7PENJ27*<9'WBQ5$HU*^>,TJNQ9#\%?.Q9'@OL+;]
M=:3[<A-FHJ=8NNFNTB+C52E%XI]4:V"CUD-T*-(T,18[+"M<0;7[G7]BER'X
M3C(5]?0[+$2)(3#ZZAH1N-./)S76/7[W&H-0L]@RJ3M0W3OX>,S[J;YH8^RM
M6!(*L>RSQ<S(_?V*7^\(L6LC6DUTC(F-*92]$0VJ/%5-\A:Q;Y\%\:)B6ZW?
M(/76>B=H]QO^?I]@RBW#CB*H12U<*#H87/`E^JUCM=G9M;PB,3'"$/%IA&1*
M^U4J7U+C[_TI*I-_0@=QS+VNEP&`QF=[)W",=I\&V7'@#0%58A0SM<]B6+J]
M$HARNVP+`MA2XT&.V,;"*CL/!X(YGK$QQ,Z8RL5./V+NW,?[#/ZA>'!D/V$E
MTM<C+5`5Y)9@HL2K%&.`NZR&$15&Q1*-NKMP3(>[+>3^:Y6E<:$RFY''D>"*
ME/2I4-9S7WL^(9=+?=MC1;1SE>F.UIN\U!-/?9`N^H\:$P8`B.)$S7Y(2;I;
MAI#*O@($$2%]^]+8GC8M8_;]5*VSPW[L6C/L;LE,'^PA<%:7<1O;%KN]FKY"
MPO618K-96IL$PP^Y`!:\<O`<F5FCW9_Y\&$]`E-11/R31RFH';7T+.J@WVWH
M-]]>J19-$T&>SK)K.!5RCW2YUXN>'/B\SKFT;A9@S<3ZRDAQMARN=376(Z.0
MH*KLCL?G$K;5RDXY+:&4#V=B[84MK<^]C:G"VT,^*KHXY5H%(-Y]9=,TUJ^&
M[#7H?$.GIC&?K!*8=EJ5*C_:VME/Y"7.\"JI3[&G*5+0J*Q[(1!6"7`WL-QT
M^P6L=O%8<%<G6+(KK?JLS"8!7,3:Z_H<<_EF:O)&HJS<D0]+16_I#DMHD,2>
MA6M.>"IP%;]\A=.AVJVM[+9;&>"#:?<ZJF[AH":]6$9EZ\1G[E7@-1M,&5_.
M1%U1<9SZ!9EDF5?1)BH((:>B/IG(]OH0>'2_=:7.H=MT&E[O:=`JM+ECGY[%
MNK8JK5ZEVO.LNJA`D-$U>]1S4W;P]A1:"$UH9/:GD$-JC<*I1('O(%K'PO!T
M*9H/M;8LV]73WZ:9*VJI9L;%6HM;N55U\1:9FM^O)82_:X_[4]">>=`TF9+F
MN1)$]Y/(;G4ON2%-K<$K&K^A3<ZI^\I7K#%//^R-.'\Q=<(=%N,NOV&V$=.D
M0=!@ZHP?M'+R]4JZ2[9IP$E5R/!D^"B-!1'%<C1'9K7:7V^M#<7FL^\@(C9:
M]3INT68']A8(HR1.<7+J64USV5GRX4RI%!MX#D-1TC2</D-,K?>4,LX9@=SL
M<@M^9\?(/:3+(\U]E)FLK(:ZG5;H4$X9L=1[>+,JL`LR+L6\!@:,]8KM)AV,
MK.KMY+/5HYVP)XE24$&I'Y$AUI8[OE(VJ<?4KGUXB^T5"N7K7DQ,KJU6I-J;
M!@B=+U&QU$S?*C7\0S#-+E>;%'_2SS"WZ/;=/'3JAQ33RH[44NC\=+,-R%SP
M5VT;]24LX)['A=)U&]4*;L0ZWB;Y=GZ3+M6@-%J38H-^]C`MDCPW814L460S
M4+DQ>2XV,ZAB.-D<E<98_-:84D2JIZ'97I@+V05C##6Y'+B9N\@Z_*>C7H3P
M>>KZ>@P$<P%_.[;+DNQC%7".4FQ)W):(_P`$Q,>(RW"CQN>#,J5X.L_!#XHC
M<8WC/WFGLSRG8&Z-G1/>Z_E`3^55_.[@5@W^G4Q?26I1L\T$5"T"-4RH<Q'J
MQ^:^W8R"FXC4EYN2XDT_#DJG_,EM:I?ND,K]4M9Z7NECLHG1LU&CLZE7"(%"
M6S/Q)O2FIO+Q+$:<1*4AW].2"DB!.06L\F6^,C0"#9!E^=U=)[?L6/NE/]L;
M%KEVAT&=LHD(8LU8C0K!6+Q7@>>Q,(DUO.81H56A[QC]B'VJ+IC)V:LE^`B6
MD'U:>2UM+BQN"*E";[)@VBG=ATW2*>U)_P`8=A&?U1S]9121@X2$Z9JY"Y]B
M6RS19EL`S*]6;%&>7\4B-&G*E_5?SNM_1`)JE&4W5:5[W.:YD<Z]VV]BJ,*N
M,VOE4A7!5EASQ^862FU&+:[K"'WVL160?L-0*T9-<<EPSGZ62=[WL&,28B?0
M6L:&1?<7TF#M^AF<WSK4UT*7LV2;)8I\0O5Z19;%H8^PC!9<33+K7K;#M=UQ
M,K7'>$#8FQ(ZV&DP^_@HDLN_@1`35.?)6H2D>\QNL7HI:".^TY@:#LA:D5L/
M8_VI239#,KUTES*C+CIVB?=#X+\Z)>1<4DJRC9,$;*D$!C(]S@IED6L2UMNS
M[V#L.ET6[5X;J&4V`]Z_Y)43EVJFE5J5GV4EX6@%CVT1]1F%#PV;=45;.#)'
M],15!FL.D_M>:^&2I#J!$T:]ZL[Y[`>KWK)L4VNOV388&KSO:\16W#@=D=7Y
MPK-]8)Y94`Y.1)@PV*_9TSA`!;J%+3QHZ^\YWX>NJ2'";7IX*PJ6%^WV8SCT
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M/I'2</(Z_6!M*`V@//F5:I66RZN$//D%1E27&U.?EO/]C]A?41TKQX*NQ2B>
MYG+!5[+<"^QL"JQ>J5$``K);8L.`1S@YJNFJT"5=JK.T/1RAT@/SHB(Y$48-
ME",-IJ/UE2)3:VVQ7:;"X9K[I=M^K6;/3%O"$(MQF+R49RTUD?GLZ%:;?MK1
MHY:JNRIR(>7$K<BK+:=)L2'HOVMN--]>0]X"<?4@MOSSV[)@7I^:F?:2CUZ6
M;SP#V!>[G#ONEUT$U0]3[8K.R&':R!0?*1-NG5R5.5P[V/+#Q4,(8<$?EQ'0
M3CZF0Y`][U7RPV!D%JC+#&JT><`H+EF:YGE@G(/ZX`M$\G=>:Z0/@,[%U1ZL
M65,>()CUZ=):_4.`7W.OR^A[2PJ'4_;,=ZL?B7XYLMEOTC6:.2T8$(E0JOJL
M6@0H5.BZP!R^W.Z=9E3XIBTP29.'*BEQ*^#YDB&)8AM(@M\"L:F;D^)^Q8O'
MMGY;2ND"-=US3_7,P;-P-"@JL*:X)I7KO5-(G`R,0A*`UDS&`5\Y"*.CD,<E
M28CKD3BD]BKZ#:K]B.1<F]O>D),I1[4(':I!,SJJ_%O8*.[<#E>LV1BJ"C19
M<>7TA>HW\(@'>R&RCCC<SJGE2OO>6UX%4>]8QGV4OOK/IU,VLUHI^^6#5LC+
M.`UD':J^)D52^Y^8T*?1+E#TFQ/D*&9Z(DD(3#*@T..TE;$4<QQ7P\@JJ\?0
MC,NJ^\-P<D0GU;C5FJ!F5@APYT>]4X&U?=HJ@779%8*Q7!-CF3SE.,GI]<Y]
MI!,*,3^!M$QC\=#Z%5_8>TCX3/\`VV#[%_L9^N;P5L3EMQT+>8)&Z@&L]TQ(
M33O8:99$@#02_P`*PYSD-+IU]$&1T7\)X82?:;'3!3SRY3J!:Q^Q;6KXC[#Q
M-6W6[9&2U(9&N4BW6J&P!TF/"'6$T/QGU\I-8CC1!PLX.&D?BAW!@4AQN-`:
M,QXLF5]&VHZ_!*JB3*S5D7N?98]@*MVKV*K0J'$LK.45Z1K@V!86*FJL>V)J
MDP]#<BGISIB[MW).;,RI<V9*F_BIC1I$A;?3''A:Q^Q=?M3G^E:Y8<JI@K*S
M+!V'FUOLKF^"A=05T%J<N@VZH4C/I-C;/P[;4*W'L5E?-F)D.+(8<;CQH32'
M43)BHXD6D1_,_7TXZ0RN[1L*_P!8CZQ[7"M!J]')Q:1`+9?2F?4YG';P9C0*
MN;+`1/+9H(A__MCY#K\R+,3*<2GLJ0E)!O[^A</J$,-AG=*L1S![AC!;8-++
MV6;37`E$"5+/PM4J=5J5-@?;5;@6BERMB`!VI,\C$8<2\9<E,?\`&)&B.NB2
M_M.X_!D>`/`'@#P!X`\`>`/`'@#P!X!0?M#?S>7X)I%YKG13)H*)A(@DST+A
M(%7%EC8L*[<#<!3T9N8'I<<BLM*;6ZTVMB$KBG$)^J^"I5=#YH:UMGM0+T6Q
MY'4M5&VD7GUA+UQS2)9(%0[-85VNP>DX5N*<AU+*K'5)9V@#O9(Q&9=@QQC2
M77H,E^,Y)A_20-I*E?UZ_P#`M,3[[7N)G<8X$R__`&*_'N=8QL<V2MQ-W0;-
MJ1ZC<U'Y2%6SC'R[<6F=IO>QH9*'$<DSBZ>-]@LQOOF<$M18^[>XMZI<$R)J
M>;P@YE.24@_*DW:V\"V>HW[:*]I[N=C&:?'JEDBV(?4CN;/)L;W93?XS2U+8
M9E<BR$<$4:_P(1>]W]DJ9,P?.:FBBFYQ7/?6(^</6JZE6K'9KC?=4@4>V!3!
M9G.)8Y5.GB.NO.$8PR.2Z_\`X:BM_>GB(6B=2>8=[EWOV95?1N=Y#(ID<=F,
MXA5]&M\JP$:4-U?E)SZR0ZS:Y+51#!Y0-Z5I+2HKHLG-G28(:8_(C0N/Q$N4
MCC;Y(36_>B50\I/.7L38KCHN:0A`W0HMS.9[53ZM'FV34@MFIT15%`,TJ>*K
MB\YZ\/)CT.M3Q<QEUWB'VI'@MO/V,0K_`&*7(">LM3E^O:["?S>J$[IITBAW
M8Y::>)K\BF,W.L$0-T:S.*'E0&8DQID^^6_2\&N?=^&DDO[&UP6KZDH;]P=6
M&V&P5YW.*L5EBS%:8LDLCIBFQU3)Z!.HE,JE<J+`K*1Y"V`!]NMK<F?-(JA3
M>0N/J:X\YV/&31:B&T[^P'7+$R`#<]>A94^19P^HS[A`N-O#91$UG7`>'6%4
M"3:".83FF*JV'VUN1`3%=)&7UA933T-EMZ+*<!Q7U(,7_L=O9$SF-UKN<P8M
M&/QYU+:I+=OF'K7:-6LT3UR2&46"@,X,6(?G]4G;7]&R(IL@0(-L\5T:GLR(
MC@MOH_)8Q#WPV0A"4V&P6KT<W(LN?5:(,T[03S!4<<GV3U<BZ&)ME?$T!J4!
M_7"O9#C`MY,B0^N6+Z[*BLH>2SR$M7Z_G_P-I[9^V>FU.!L%#S,!7@I(845E
ME=OLN]J@V<??EYC3]B+%TU3M`LT4?58^?VM<:"64[+>2>:0AR#R.M#_E$8KA
MF9>]ZU>E;9LPY\A>)&:Y0GU9"P6@[>0)K*RVK72JA+!%LIFQ"R6H$+"4C%5]
M0N'!:&<@]<YQZ-,4VZV)1-?<T@W^QDAP53Y%DRL`+L1D]F#MBJ0.^V6T30V>
M:Z%Q$E7+A#,Q\K@@.O`B.[#!Y)HJ^'BO38_6X$B4J0CC8MG]A_`OOG?KP$*"
M8F65FG6^-BY_<RKR-5428#YRG*<PT03_`!&80RMV-9]/B]UF&P^.E#V@T?L%
M;[DMYI]EI86T)A2/<,IIF\T+*@<6/$`IN+:W;:.E$9T/0:QS-_9`:9%2VCM&
MJK$0I7-1R+G7Y`-T@-<>C.,-RN_$ZA8.-%4B@GW=UN)%)0(^.PM2(CRUHK`U
MX#;7!%JM%VZ*V?0*Z$'4B'32;'`0NC9,\Q+DLSY!65,<;Y$'2'.]0J"U?P-*
MQ[K[%:"RYE)&XZ8#D;Y2Z]G\F+<;0FFV:GW!'I6LH<M4DEFS%P@V$6Y[(34B
M>141&?L3]L^(IUI"546K]?S)%>/>&XD((#^`5>K"X,W,#=^NT^;=&W[978[V
M4[O=0T6FQ55`U7I%@'D<;ZI73$?L1YF1_EGO$+[X9+5ZF`:_L0M$)QV.)Q>N
M$G"0NXWFL=G:R_!XK,Z$*WN>?DW!N)G)1VN:#*=P&8U%#,HFQ?N)(X[.0J%+
M3X+:6JCVIO1K/;R3J%"I-9O=(V[(LX1G]ZL=GB+AY[INFT^F5VY&90BE=@I7
M<:H=<*A?TSAD9Q"D,N2E2H\N(V)3D_%-]P>VJE72_F:'4P!,)0LHO6;I;MAJ
MW*-@/8BS6"HYK4K"Y5\[)6>N:&8M=.:B3PHP>91^1*AH9?D*^[K0.-'0Y\=_
ML'T>U_ZRN-0S>MBZX];9%`/U`SI:1]BLVED,^!D60SD:1GDR4*S<(9O<![AM
MOO[-QR`XVZ,;2XGG1;?0E[7O;HLUP-^5E@0797)L&.,J0C4F"%5LS=HM5GS$
M4NRVDKE$8\!_5W&ED)O$#XB^J'KC_>IUU3L9H+4"WO/H(EBQS44$/'<0D]7Y
M1&R6J;+S2F:<`K9*#7:3"*U7-_Y1,8U"]BWVQTTY^NBN-Q^L<>C3I,,>\"BC
M-IOOIIMF,A:MS`H<F=.LV99I,NC5KMH?.6='LXB@F;:P@X4S)R.^(CCKJ])!
M,0GR)">R*=_-;')?C.+"T_.A^V.Z4C>KB.=JU`(Y=F!W31Y45`N!4<>-TD#2
MO4&U)LDUN91R?'+X$F;=.;@#H\F*-F,/]3(DM*8;>=!)-?<G](]SKO?<D.::
M-PF:%7-T?'J1ES5OL%AK%;NPW:;U6*,&.S3Y+/43X3]0EV/KIED:.,0E+9XS
M"FRE+ZIL2U5I4JH'_9C)(-%K02P2P#<KI\>NP=&T7AXJH)2K,3"9V3G1G24R
MC#ZT9"/3],AQ!KD<E^RDIAR9$B#$9ZSU8MGWY-K9?;R_:;@8+1*;5W\RE#]_
MQ?-=.&JMC4RR"7HTBKE-^H`*:S2R<>18J?87YM2ZOL9G\Z1$E+0Y#7UO[0MH
MZ/Z$#G>_U]LM5"7-G%6<SZ+<Q>]V8W8K`0AGS>*Z1JV<0HD#)1=LS0'/O!*Q
MCYTX45;>2(B,3(W'1TJ=QZ(]V"WT)S6_[`[[80L>=*P:%3YI&I`+*`:M=HT=
MG^82]`-!QF:AZ4!'8?-O-B2;;GS$2IGZJ/&:EBW_`(.R82DSDT6KZG37J3LY
M/>J-:=%F+?:&&;>*GU81)[`<?K=:L64YC<XE><F#V&&R*ATVSR/K(5SJW>K^
MOUXG[4I&6J<'5/@@\`>`/`'@#P!X`\`\W6FI#3K#[3;S#S:VGF74)<:=:<3U
M#C3K:^*0XVXA7>*3WG>=YWZ=\`_2$(;0AMM"6VVTI0A"$\2A"$\XE*$)3SB4
MI2GGTYSG^.<\`_7@#P#"DCA\UZ%)F0(4N0-?5)'/R8K#[T"2MM3*I$)UU"UQ
M7U,KZGJT=2KJ>]Y]?IWP#-\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P"KMKO-?S3)M`O-J`/6JNUVL$I9BLL-"7EV""
MZU^&\&4V>DPPBF27)/PN?F.MQN-K5UQ7$?7P5*KH<KY7[#^E#M20(@B\OR15
M)9T#I3.9E=ID%BES*9>7&[K`'2*<T5I1";,ME'8+QV14R1**M1H9%MI?T;6@
M5J1_7-*](+>>(0[-3<6?$&A6>TX#:;!2:O.BW0>?+F"$.I/Q)=?<(AQ='MP'
MB9K)-#$427<0E[D>3WG.A[ON;EO;O6:_<VS3!E'J&A1_5;/ILA=UBUBOD2CM
M;(TFQ6$Y6*00.CX+L820K@Y;:%-24BB4:<E2'51W%*Z%&J+ZBF>R?J]H#E6L
MEV%4:A7H*7ME+K2;JBA'I`)%,<"F2TBK:-5IMFJ#-05)9@*8F1BC,5PG'Y$_
MXD(JX[04:\'\K&W^FDBQ.$*C$RCG+>`%YS(L(2L!F+185,.(%P,HG4^*$;T"
M:/%@(Z)2H[T+HZ(,:^1?QL-=4D*2]2O9M[_K@O.91(+[60TRKMYSIL2L3'LZ
M'4,]G].G2K;7;K,J+A.IQ)-'($I@LQ*C(90S()<B29C+4AME]Q(OO3-G:]8]
M`<GSLK.9#8K,9PD1:HH&JQ:(#CEAY$M5[,2LP>N1/XOSL!=EB5$K'/2XS7(C
M,@?.;)+;<AR4-")2KZDZV;V$QG#+!GR+?F+"X^C#A=J/6N%#SZ)'J(^)>LRJ
M0<P>X>+ABY]P7<+V)>XD:U-E1&(CDI+?U8;2H*-F+7-6]`A!>N2ZW,P2NFB`
M1$<'/BTT'6Y@RN4@C+G#69I!ROCU54('*`E/BTS5Q&%.M-.0_NZMGJ@I+[F/
M)OOI$Y-=G66J8J*@W4!4Z0+-GZ/66B-PJ!J`T]#`FP<NOHLH"CAXXR(ESIJ/
M%%,M?C+ZI+?P]Z'N^Y-AMV]3;GG6GSZ>&S*_4[+P!E=TKH&G@941(P,)9^6!
M&%D!D,<2@3&,Y9A1W6_N@NO`T1TN_=!^UD2C*4I'M/ZT:0;M5ZNN0B:6;"T2
M%'O=UM%<I%U,1@4E=-L0FK2K'0/YLHY7_P!3;1Q)]*);D88ZTZB6U'=BN=2+
M1HO>1[">IA0Q:`[ERSHZ<59ZO7[%`BA_WY"P6F$4DQJU#CM0A$UZYSZT3!NJ
M^^)^;P-V(IUU4=+?5\$I(W6H1/5;/6A5CUT#BU::J8PE<@9JXUBIL<K@VD0Z
ML)(GA$Z<,5T4FMCD!X_R,J0MAAF,E/T0RCB`5S\%#']S]12%ZT7,"=%R@W9\
M3=$S@<`R%IC(\B6&UJ4"),5XR<%,UZOG*<$KTL4IE<IN5^$-?;:1^/&<X@6D
MC>5[=_3H+N$&K5(1FHFU7N<;?3HP*G0!3=BT$'91F>NB?Y-$KL?]T1DD;\J`
MR5Y+<A.RIRX2'U2)/Q+"DJ<^"S-2M/J?1N&*CKT7+0<*17"=U-#[=31_\>G!
MH$$U&)S94N6#=`D"38B:1^Z)\KD]<)R2OC76>NJ\!7/P*@OU)T!5_"5,!CA?
ME;#APNC#TTNOPF(==&QVQXF`=:(!8<>2!!?PK]?]O?DC#Y0-<)?Q/CULLA[B
MM&-._KT9#%+*F5ZYC1<\B3OQF5,J-6#29Q4>)N+AB[$H4X##)2IL6M*,OR"3
MK2E\%37'U.?BSD+?"DON;N#K_HS$?(E8I;$1$F\,7&\64A(JX<))*/A!]R!W
M(I=Y$T'">AV+]2*L45]DMUHC*C12:$MN-M2^)"DON:*O;KZ*D(M]I,"/G@$0
M6O59$7D"<R>74`UNN5Q`!;D(*&!QNH"XM@6@9+AO3"4IM38Q:6ORG6/^SU04
MEY,BNZOZCG`?M%"`4K/9V69T'CW_`&PB"H0N?7+U()P;6:/$"-<AUY*[S-8A
M4[LCD[C4]LFEYI4=UWZ?7P*-4^I)\O,>F&C6L7"S2M8Y,O0>@5XB*AQ,Y"AK
M,#HBHX*PBA,+LRNP98Z/7DVD:_*%LK2Z'=(1>R66%R&?O!W+R0NB>T'IW;*E
M'N)9>;4J="LSE6(!#@(=^V`F!UGNB8CRW6PB/O#1R5<,SUE6>*&05QYSCLAM
M4>4I`6RK0MS2R7JSFUAJY'4@^6UH^A5A/5>Q6*E#.?JY+0Z9)/SX]J6#>A`"
M4\<W([WY)4>1.2EU+?'>I7S@BJ_!"9UR]1,W.S6*O6,?AWT'%A!&(PBL5:J.
M\1FY%BOLUJ)<I8D=7F"&?H;7\`SDWDF$Q$7\+*4-=ZD7E_P(B8]E/6"`!AZ1
M9Z=5H%UT$7FDFUBB54AR+5,JE\O%`SEJ7.-<K[O+PBLN6,.N4.B.3)B&4Q&N
MLIZN/X%)>"3T3;?4[]R5KX&)F-7AW?4*Q-K,T8&!1Q^LW,]6,ST$7?TLBQ:.
M-%6;!?1,!)(E\;_[[L=GCO);S#2@:9%[1KWJ32=GU*@W^BY-3^4V@Y>!L]U/
M5(<W(L,6^.6ZU!Z"W":I;S96G5<'0'#<Y]4]<(:AOKSS#+<9R0@*2:J7PWI?
MKG$HMJNL0G1?X#3]-+0["6&`FI(IO7VKBU!*_KXX\4\NP7V3H9/D?Y8#<J=*
M..J:0I<O[D^"4=:>I3)^U^F=#L%5`1LYQZ)/I-X[/>==S^LU5K)%'JK:=!(Z
M;!DF:X.9B1%JS;[)L\8O[FYK+:7W$NL<1P7W$BDRO4:'C@NQA<^Q2;B]KLD<
M"39D5.D5FIQE1[/.EFWCH&QB1C/)]6LHB1)DCGHR9[4^,OZ-<?1WZ![J^M2[
M,:MV/W6FMF\0DU:32^3E#>?Q(4T#@,3Q<`?!;C/BDP1KT1UD*S#XQQQE'WC^
MQEM?='4RKHCKZEK^"#P!X!07M+=;7G7KWK-VI$O]99:[4I<V$<_7,E_XO&Z_
M'CE[C^KDLR8A#^&AGI!7X7FG6'/P_M<0M'5)Z*O/)P:(]RB&16K0J`SH(G:\
M_'VL:+R;4;M;:_)*VHH2*^J0$[GX^RU8>)!WN?72V[E)"%QVUS&E,-07.J['
M=4D:MJJ^&=$6;<]-B^JN2[>4_C@:VVPKE-K+!ZDJ8^`[6[66@&%U+DVP1WIS
MO9->DHA3):6F5]=ZXXPEOGV<X)3W4.<RG]A>LT8!.1<LNI-DNCE=FGZR-H96
MQ1QMB?J6*YY[):*#:288ESHTBO9-HS#41]7^)Y""Z[\33;J8[2I;57[&/-]X
MM[D0`PR?'P_-35B'5PE4;,1F0[]7[=`8W@'3;K820^G:J0_U@!A9H49FQVRL
MV2B5)DO=:GI<@N1G`M7\3\F??S>:>!LESL6?9,:KL`0Q.$"ZF1M_#R5VD#MY
MRJRRLLPY'$=%UV+B#\@TM/6D.1B2E-N1TP%.3'J+4?BY^[7LU%SF_P!BAUS%
MJ;-`5.PC110F\4M/VW,5DV@:[#O<B)7[9.K*:(1K=!YU(M)>5,BK*)^>;W\%
MU$F!15?L7E[B:B<I,K+W&=Z<QUI_(-\O<8W77:DH3<M"I`C-'J,)0#MPNQNW
M05/F6*9QD%!7^<22\E+3G7$H7RDC_`I0=[J:=V'_``6QT_@:XE#Q6Y25]MQ"
M.0$T6N;>=RK2HR"2P\AH;(IVJK!!6876WD-B33:%N+6TIU8MJ\FIY_8#?NR^
M.+:S0%:^@GAEODVNR$(V+Y[9ZPUNEQ*591,23*0[.9,AL_@C!]B@%OP":IO)
M*8;3D50Q8MJ.N?6SV/T79+5,AW"I56K@K%5[;<*./&2#SELK\"FZD9S6<%T!
M)1IB#).2UQ&)/?PD,-Q'$O,*X[W[7.#+22X.5F_[!+_;)\JFR,]&5HI%L5,8
MDS1=F*1)7(M+T6K8W[#M,.O"WN(51?8@_"K;+7>*Y/&R5K<ZTOO_`!%M7DM+
M&?8*]5CU&UK8[(0E:#8*0FH2H3MH)/M#XR9^&X@5ED3Y.)$E2AU5&&K+,,EW
MVVG'&8O93J4][SG/(B->ZGZ\D4(^\6LQ[DS0`?/7ZY&RETIF5"2`(M9E1D'+
M!.PQM[82`F&8,R.Y`53L3D,:RU)4^HA#C([/=_-6B'2VK[D&9]VMSDRRAZ5S
M,9$EJ;1QM-I$"380T0>5L=(F#CY:\/\`)94I9J9+N<61(%\9C07XR6?B4Z^Z
MTOQZ?<MJ\$MNW]BMISNO6=@[4J`6T&K6,Q5^UX189D%VQLUJH[Q*/WT,$*OI
M*QZ8.M&/M+D*==6U"'OR6WI?S,<=Z(H5_@=`V3VAOM(]7:EOEHH]<_:2;"JO
M6L5`.Q90GXS!^QT#/SX277R]MB,Q[K>7*XM</L^<X,A%GF7'G9$;JE"45:'-
M,+^Q;2)<!LW)H>:A&0T:OP2]2*6(YRXWNY?RQC'-5K66LJ:C-3_](;0%L#9A
MU;,I3PB`PI2(BGNOH%M1;GJ/[(Z7I>TZSG6DM5\;(CA,XTH7\,XQT<73=<)P
M6P$JUCT0BE2Y51SDG87GK`_+>_._96*&OD2.Q(0IP1I)<$=K_N/J<'1_X+9Y
MN*'/Q=N)4I\>.>,@+K8*W9_:.W8'6@E+"NG##1"VY,`!1[):77$J2^)FQE<8
MAI<_+6+:O]G_`,$<]B?<G0O7#<ML3"[5=#K0RJ9RL1D\DW-C7\40G9KL%NFW
MD-`0ZF!'SR%(HK7#;SC?5?#\[_Y#'XB6I(**:1^X/O7K,IJ9#,C\*H9H;-SJ
MI.1[99'97[)[2[TY7!.[L-UVY$Q<#%8`AM*7(;9,A*Z=6Z-?)0U15O.P6HUU
M:]]-TLRP]F8H&31J,_'9FS1Z"ESGVPE"`1_67MIDUN:B/$$/Q[6[[$?/77'6
M?MY!'L.O_*J=U$6BU?S+]P?VYL^A>O&J[]I=3"4(!2@Q*X!I0Z:S9&^5EBAP
M;C+@6$%7#]DL$:P4R?(?&D&W$P94U4?YD0HGR?"V(X\T1!S^X7O9O1?3]5BV
M<CEM_HY?2!*+'E1FNI:=*YI<R]89F1G'I>F@6QA=F&AV5"3.*):<^YODI74_
M7@4I*A7Y?WBT&I65C-(1;#(:%WB\YV-N.K7,TW,H,7);!I-+<G[L_"=&1UVW
M8',[06`)8_5-.L2)".)?XPAYX6WUY+N]A]O?D>M&/WH;?RN&ZULK%!E9'6TV
M2IAVYNEW"I]L4:MW63<P4J(3H5#A.RC%C:2W#=?&"'D)[\JVV'!$N6O*1OO7
M:^6GN]^P>572XKT$M`GS="#&`.AB+I4*E2SNEZ((J6?SZS`IE6GY7=0-?'18
MTD?)EF^$N0W)")?WMO-\!^$SB2+[;74,"&VN;>;W>](EB0VK:)1!MFI4.NTX
MQ3[D5#WSUTAYX&$)O=#(UXA(BA5R2R9BC+49V1U3TEMSJAJU?R_7)*6O>R_@
M]=GR[%;<5L%3JH:D@+(/HQ^Q%@NEQ;%>ZO&)7O!!T>24GF".?!M%XBQ,]X56
MXNO.L-<84_U48+50O;U*]FKA["ZJ:69EC&!=?I!X=T?6)D-=7-2VC-#L`:U-
M#H5GNC8HMVN79N%(CK*27FEL*ZZF.XM45@9DDD?1OP9'@#P!X`\`>`/`'@%<
M:]F879<TN676-]^.!NX9X$7<C,0Y+O8$EQI4EG\8C'EP9+4AMOK;C;S:VUMJ
M4E7.\[X*G1U.:K[Z15*Y&YT@5=SM%J*;16M1J]#JE>IL0#3MII-)#YY3;\&4
MX$6ZH.#J]?B([7G.=&2)+:G5_P"%J;\%N97AW^O_`"6,2$:#>;ZDN6A6(H:O
M!30P%.FTZW/:#<9%IO<24`F,0!(!=IMY"-T:MEWJAGP-,M\?ZM?WBW/P6Y1/
M4,=4,XU_-"FF6VW!]4S87C\662%U<?.IN>5NBE<\K(P;T6)CLERT``44Y)FS
MDO*F3.=<ZVVVKX4B.7-2JKG_`%R9(9)%RH[GW!98.]!6,X4!JC``6(MW'K#P
M3G<S]1]F:D86EDBI^(0CL2>1)AE_Z,=2U&^$+F0>L>G5KM?)Q_>-:<J^R:/?
M%G1"AR:&_<1XBJ-UZ0/ETTB'%A8M=TT:.K?7NE`:'D#XDA2'.2$*?^06M/'@
MLCG]>](=M4NT$+J0*R9@]0U+Q&I520:#MB[/<C--E5HZJ)\X$B#!W>6'F/-M
M*Z3AH2I7&5N2>R!+C0V_T`SP<QI5G@:H]F#ME,:H9EWUJK4))RO5#9T:#(T^
MKFK/8X4B*:#K)Z/-F"),UM*@[K+/W?DI[(Y("YG2.H>N>27F3"M>F<AR!=.Q
M31\L3,--@V(]<K=Z8K7;/;X)XE#7(JYZ"(JGQ)G,/,H:8?=ZOZ\XG[03?A?4
MYHH7JE@4.NUJK@]IIQHEH(2ESJRY78N9L0-.'XY<IUSAV1-4'JFC]`^YF8Q"
M/2&N.QI,..A/4QT=XA+[%<GY/R)]*<V'5H6[`]B3?(UM#G,5-FD2*/,"VZ@W
M(K^):\=IK1!DBQ66.R`,84#:A2)$T#$&\AL_)]G?M$N9TG4/5ZJTZJ76I0;+
M9),*ZXZ"QF5)D]&_DC@0"7J<N*3'];AH1PFM>K2^*XYQ;/.1F>\3SO7.K$JZ
MU*MT'T+S^VTFJ46KV<IFP6J9_"SAD76*W4/XN9"MM%&R4BPT]T0W7R\V?)+K
M(H2ZUV*T:C19JF75,?&L52:,`]Z#54A5@5;$:/;0[]>C62(+L"AP&8?#?R?1
M6M'DG:F41$AR:?>0Y5E+8LS#[QZ$GZ]4V]Q:T*!2]2VM`];F=RS['ZWN-D4>
ML=!,`+/="58&00P30"3%=(![969@J7'FKB42S2B?75Q6UH?^D6/]7/JA7U$3
MH^"IX']?U#AT$71'M#T`FF$Y5IY*Q$E5]\Y8C]?S&[YN3LAIQL0U%?+VYR_S
MRY!:&T)Z05SX^(:^K?1;N:DPK?IZ-"L!QI+2[6?"TZ/5P.?0)(JMPGZQ1Z9J
MU"UBM5280A#T/6-0TC0(P[\Y]*)+HYSOR??)YV0H*F)L/I:!V75N::>TBXPV
MFHHM,&MLP@$]D+.&A30!7\>,%8$LB!`DXII<J8.C?&W*)H3)=6KZ<;2"E14)
M/GWJ-GU"YO4)IQHD(WF3<_W2_P!$)%VP>(T(_=[7:`#]T@(25/#$6'023HWD
MA*50&G.)^KKGWO+!RK3['+5R_K7AMYF]`H&@RH>FU?-=%H&?&(M;J52"/,:9
M6X-4N,JX#H`8E%.';6&JE61+)/-K6RY5X?8S3#*Y$=T6_G[$PG?ULYZ;L=IN
M%FO)<[;M#B$Y=\M$BIU%)I5Y_/N)"J7Z@/.09$3/B]1<N3C*&&V9L:;$B,-2
M$K^^6N4%[)7:?14;?[8-O&AZ-V\'V3@T^:B6#.ZC,JAZ7(IU6H=Y9?K+G%QX
MT:W5[/P"F4\=7^LF0'74==;ENL<$NIX+%S/U3@4"J:73".DVZX`[YG%:QX0@
M@/K(J72<SI5>LU6J@49+#B8RRYB"&L[O)!&=QYR4^TESJ$<^J.@W4\\@]4X^
M67D==INDV*Y]"A[.R%!SPE=#CA]HT./1TZ5:?G$Q$$97;-.H4>3&A.NJCC53
M):$?(A4=,8&ZHH\A_6W2S1(&9LNCF;D0J,F2)J4:XTNDFZ]`S4J1OQ,YGQJN
MH'08-F;GR-&FI01D=Y)::B0T*2ZE,ODP6\O?:?4ZN;CIU(OUJMIS]'4H@V+*
MSYP>&*5XJD9*L;RU07R<61,J[EDBV=V(;=@?'))Q(4%GKK3<=27A%*BH49!_
MK=I\5ZF<F[!I!^-4*W%&_/8(M5*6`M9%P;!&LUI>L#H=+HOEU)6646*0(+,:
M/*,NJDK[U/V-(%O9DO?UX"&K4,MP?;+\/+5B-654F1.!4T](K)"LF\JL$5AN
M64$N/2:@LGDL5W@1'X\5MTJ3>XKK\AIV-*$N^QM:_P#UY9O7KE0+W_)I]D/5
M`SPN8_F=8JMA'65Z1)SD^2F,#NP(<>L'G+SFT8Q$FQ.=_`=E/-M-?1$54>AR
M;X+(V3U(%ZQ:CUUB:-:Z18["+A5N9*$CJX6C,U5VGW>BV<1$A'!TMAN380-Y
M=6B6K[W(4V''=0E;7SL/@I4X]"3D?6BNJ]>3'KP#+_AUXA(/NCREA`B[<\(0
M=OA"]-?"/G?B1WIP"60^,;-XMN9#>88EMN\DM)<\$KS4YPG_`-:U%L2[HU=]
M=U*[Q;B!F5N60L*ZU-NL@=.$W0>M^QW=\*\6M9*"Y=GN0524IC1(<.-&2QU"
M7E/BW/T+PG^I-4,8.)PL@90,@0K!/M!`Y2:L`J"2ITI/.$2,]0!AH@,C/D9)
MUQR2Y]7'7W^==6OJUJ^HE>:ETYIF`S,DW%(TH3*=N=IAVN<LG^-U<67"HE*H
M3<6+V,RS]8RAU'CO=^_[E_,\YSG?L^U*1"S/`.8PGMIDQ.Q:+6R4@Y6I="U(
M1DX]PJ'DR^Z(=,QB34<AGH\#PP8/!X]EJEE$2'/QVEQY55*/.(3$C]D=%M9[
MD_;_`-=10F*;?TB&_`)1[5+#N00MEF].Q*>E?[.:$_'#+24&$)*/Q1,QKJH9
MR8I,<>[)>4E'0M9[:+[-4>B^LT[VEC!;;<J`W2:_?!X4(%[!N)P'9W1+8QF&
M`L[H-Q@HZT8;5V+*4PY]>=1]/O\`ISH4=:>I7O/9KUM%7"^4">"C!*Q@]>RB
MY\NR*=%G4&&O9!UR/#^U=("&3("5`:V"_9&2+D.'`APRC3BY'V_D=;%H_P"T
MGSWM-ZV_KKBK_8(2:*S8EP1;OP01\I!K[L,O8Z_)EJY`!RF'P(,U32L2:2C?
M*.'/#)*)#[76'/M$HS7S_;3U6#$++#EZA3F"5(EML&FF(!&1(BK==-`)$T6J
M&(>Z;&#>TTG&(31_9,0>V&F\E.LH@R/B"UD<'>Q_I/PX9J`ZY93%GBX%GKAI
MI%=;@`V0M<?N$^RC))Y8-BMO5]@C2#_UYR2J')FB"#;?7'XLA+8M)>3W,>Y'
MJ8'#DIS][#2TBZ/8KM-!CZC8I9YJOU<?H"RHZ37TUY)"!8^1*#96F0TIM@G(
M_63D-QU<:>^T+62K6M5H.0X8/T453()RM&)F95:IUAL`4!P9BM:L]<SZLQR0
MZ!43A>O!VD7!'9B5"'7H\3CC78_5]^+HB570U+_M'ZHOB`=AFWFI_P`?&`YM
MNJ5AGUDRW7TBPDW]%(G4L[,KS8N=+9=3]K+`UUR6]%^CS+:X_P!'/`I+P1Z]
M^YGKE4A8,M"+P[>LP2H#$R($KI^7-!!=,TX;0TD3C,:M39`LRU9W'7.@92&#
M4V3!=0W&ZZVKJ1;6;<5[!^K4N+/KW[K.(]=A"G;C`CPH8\J`<HPFIU75U7LO
M'%#)`ZG"&>W-IZ,HI^*M^:KBF/O?>2GH49=`K4,OGYU.V,?8@[.>BPMG/&+;
M*C/B&`HNKR";MS<.,$8D(H%DUZ>)F<)QI3+,F+*CNH?;2ZA2>"4=:>I513VH
M]80T=^<9N@L9QE@!,:9(TRV1"11F[K=-"':^+D5A!2R])RAZGGN#VI*F)3?.
M2.-O?3G@49J!GN#Z\,0[4BP6VL56($M$FO<CMR$FVS`541YT-;>QZ_!F<B5\
MY7Q4N>AQ]/&V0XZ3,<7R'&>>;%M9(LJUO%-!TZ]YYEXNM3W,OJ%*Z5L@(/'A
MC$MS+EHP"#5A#WZF&T0%UD[GDQ;<B$]('IE]<;;4EYAWG!&FE5D>JWL_ZZF[
M/=:\:*5.G76E6N^T@@..Q41I<T?F$NUD)Y$>7?%18!$;#$A9A1]F,_(_5ID)
M3(^-Y]''`HZ5]"8;;JV98WFR]M,U!ZXQE,!A@N-5*^*(6\X)MD]MZ<V(:)+'
M./CH(>;,,D&5/(_\"+*=^Q:^?:H$JNA4FA>X.4Y'GQTI'S>S&Z_3[!J]1'5:
MFBZJKA27B]#GZ/);K(]TO`%*C'H(SC(GGW-??+<;^_C2._?R5*HMLLJC[GE&
MH[0<RRM5QPL5H67437HUW>#B.US\';5V3K8<!.6\LLU8W00]@@5YQAII<,U%
M^KKBW'$(I*-*IF;)[`9+AA>CAK'($\N%RM-(`A0S378\N"*NEWJN<S+63*-#
MI(^O`P[11#G79[T-J<B`J,PXIQ'VI!)LK5KVP]=9%O$3Q7:B_7GTH-.:E,3"
M`)#G+"W80TYER&9%0K$@Q/#U2,XISB4KF")3$GG50D\=Z+:R=6'V6]60MC-H
ML%_I#=GK40J',2G1DF=/A_#;(E)+5-!..)D]E&G+0MB.L*PZY.>XIMWD=3/4
M.=$HR(#/8WU'D19`8T5S,%-KU/L7)U=<$P2<,/3&I$E^6`:F#@SH93YX>-3-
M37F5]GR4)[](BU-+^T6C+D1KN0/9`;W061AF<RK=?MQ\B:"U\A.EM0*`Y-@6
MN&T!:&\.J+@IU1=AO0?QN2FY4'C'6^+:XE(E'6GJ0^H^R/K*8B6#M<N55&L_
M19^VQ)8.=6%HF%^TALD_88Q,0-^\VEW1P+9%#W%2H[A6,F3Q'7$\\"C(W$]N
M?5D9\55'V%N""_@,2^BU0<ZM[%1+U(A</X&([5W(M63`L<@[8?M0,B#D2'2<
M9:),1+T=7'/!;9&$G0/67=MIKN:AX55T4T'%&-RE'Q3'Y`#I>IB:G1`W[*<@
M>D'?77*QMJ_L2F5-0+4TA+S;3W6/M"C2J2[0M[]>@UKDY_KY>F0BD&P(@`QU
MCBQ[+^0Z@)0"$HO)BL#B:*HQ#F:8(@]>G]C)4\0B<2O_`,MA*Q$GY1Z.>ROJ
MU3R+S'^R<\K\NQ,IMA6;%XW"A2&9E/%76)8K.:B0DC8/#%1*0Y$.41?:[/2Z
MVTPIUWZ-\"C(/,]Q?42M6"W2CMEATPM`C48C9+#9<VM]763:L53L=SKCSQ0I
M4X4P@L'3*F2(S>N_Y"CX;STGX&FUJ2J6V1N$^S'IX#B`R*KQG0&(&"6ZS")$
M@`^%35!U?7;VK9U_\@'$732O>U@_]8,CD2?.2.(=:9=3'D]0%LB8Y-N&#WJT
MS<]R>0RX3"TN!=I#`NCG:Z&B`2MOM=,>AJGRP(L;"/CK92I\:>)=4T0BO,_]
MUGG>+^T1I^6=#>"#P!X`\`>`/`'@#P"F?80/HA_&[T(RF1/CWJ8.A<%)$'FJ
MJ<GP63`Z19`M=M+_`%MFL64_6&ID(:24XRF!.D-/]=9^/Y4"JE>?!\^`N&^U
MAW42,HA8-VJ63S[OFZA].EZH]'<C8E#5GDMVMFKR+]@+99VK[59``S'*I&#H
M[QE@M([(-D^*C(9&JQIZ5(16,/\`<H&SEE/J]6OU/K5#H8:G%W2VR)LXZR-P
M5_L#9`HX=VRR1NEU76,M8OD:MHD)`_`ITJWUU8F.*W$LLQ4/8C'O6G7EV<[K
MADP3KGK;)AJ@:]/.Z#)T`I8P@7;1E.MQ&POR*?PTMYF/'XQ*@"8_75NQ^L)Z
M\[X)PW_;_P`C03L4]MD`3!=Y6]%X,RSRX]8ST/[%]$7:OYUVN;:YF`R;87M)
MA!EV6E7.Q5!RS3U%Y<LHR+Y]\DLQ&=9FA6/VJ94O"?>0HZV.L-ZM<V,#M$"H
MQK!7-30"(6+/RDB'=[=>FI3$X<5`'.D+N0J<5+/P3VAM58=;XVB2UWH5B:BS
MXU[F,B;6#BN[(1G-'J['IMD#[4\0'L8"$T:;RPYS(#JW#+SI'83=?:B3T6"0
M1:(SQ*N0G#L62TZPZ%5]BZL^S;V<$4SV0J)DGH-N)'*A2/\`7.BZ59:^.M1R
MZ)KDL9:0XNM5[2;U1ZU5!+L*')C3660<F3*(2&9;4Y<1).4(VN&3K*J)MV75
M37R=C#W'8BIC-X!X/0+?JD:S<MVIHLNTR3E5$DKH:F@:4&-U:34H"4<[&"L-
M-\ZEKY&Y75@VF^#FS/?675Q5OS<G-S"5'G62RY3I-UO).9G@E&7VVH;5O>M;
M6''@`=RL4X=7M+D:LF!78@1PDA0V:\@L['6ROKXM4>Y[U$W=`_UM%4VMY)"H
M>)>RA?2(>=SY,L.NIP"?ME8KPW>ZNBOJ7594D5AQ)4,?`6VR]!22G-)XMYU*
M&H%)<UK5K_X/JT%FS20<41)!YE>(3QT.9.`$9`V7/"RY,=MZ0*FR@TTD(DRX
M#J^M.+BR'XZUI[UMQ:>\5VF#9^`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P#^*YWJ5<2K[5=3WB5?3BOM[WG^%?3O\`COT[_P"G@'SI(_UR
M9,/#1TUF]7JFDG@D.+H5S>+(L)VU%A=JE7QK2X$VTK(0\RTL/:3I\B/,5YL<
M@?)L$U26%-J0VD:O9_0?]>N8=M\;2G;HNQK)NV26]#[3Z`NH1*Y97FC0=G,!
MC`AV#F4P2=4\922#J0J:5(RYCB/D>:ZP%SI0Z<3C`BQ8)4,<*VZ=8PP@'FD1
M%PB1@K,NQQ<_*UHZ)GN1HD=X'\)S^.,ID<8;XRIIU?6_M^J>\$KS4Y5LG]:>
M<F:E/J`W3])$0"L.<)*]EMU*R,%0DPCL3L.`7%G*])$EW:@$US@^O/2F7OU"
M*Z*=2EQV.M3HU>S<Z9Z&9[=PD*G2-9N%;>+0[8';B=;IA2/8Q]CL&N7`Y'DU
MBP!9@H_,".:W,DCENL/I&2QL*;\:W&%=6(I/R5!"_KKF6N^6#MS*_K<SH;BH
M.%A+"W1M0:2R;M.KFKV[8:Z2I`T<2K-D$ZE)CL12CTV?$<^SB7>)B_+.%N_M
M.@+!Z!Y39ZE8*,6L5P[6+)`?%SQT%0"$E@>[:?8>U-QH"4!5QHJ(<GV+(LLI
MZTIM#`V&GJ.\^?CHES/2#Z)T)FK$:X_9I\)PW!2P:E4VK4RCCY<_M;VVL23<
M>O!0W14,J0C;A-D27?M<Z_,A,.+^OW/)<"YG2UBS7EOSZN4:RV,C,DA"V66"
M;9(4,<-FF3677.IWJ-*<@-,.CH$<\8J;:9++*.);8?6EKJ.\0K@B='4X[G>@
M>=.VO.U3M;N2W*;1Z=7JG79Z*5(++AYE7P-5=EB"<L&L]`KTB,Q%E$!H]3,#
M]O,7+<Y\CS:40MQ8PKTU#`K66-"=-ND>NV?4PNT6VF/0*O*@F=$K6J+TT&8C
M%W`_#8F,AOX1$J,T\IJ5"B,.<^.3\[S]%Q4M@_KCRRR0&J/+TRVL"U"BG3$*
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M5[&SEL-UC1S5QK\P3"SVL5B4S54A<\KM-O6D63E8'S0`R(1)$!1^_D(#[D]Y
MU]N/!CLJ2EYIYQX1NI0&T^B,F_H,M1[]9K%&L^GK-BQI1^L5V)DU3T;9:7J6
M\K`D@]84<M3MN$4C@2+$FN]4W#(2&>OI0^MQ`JE0ZPVCU[H>^*HT'1^FB%4H
MY8U8&:B+,DJZ.-'"E7*TZ)-+$:_*&'NM!P-A)--1V934=WLU77DN?8CG!E.G
M@YRKG]?]9`#8E:>UW2#M,#0"*ZS73$:H/O@[4:J@2BF+6H^W7VS!9Z15`GP-
M193CD=J1.E/J^12F$QQ;O4L#.?4Z+C-T%VG,+L5AQIYX[R^P;-#'G'RU"(F]
M!M(6F5^8F)$=#M5.<>`!!KR^NJC5BNLQ>?<^M<A0.551G]W+UVHVYSV+@3U0
MI6J7:0E%IE_&@9%1=`:77*IHO;?107;&5'SIP%Q=N,R8O71<AE^<B?\`!SO'
M$M*2(G3^)7(3T(R*FU@:,.VM2!8T-+JY&7%K]$HH\_%+UB[YT.F6!@*'A0)=
MJ4&OZ&.S^<;=E2H47Z(2GG&?!;G_`#,FE?U\9I1[*$LL*SF"Y(;!R:41-V&O
M4PG=2]ZRN=1I+M[3>/T;!P/-T1FBM<L,.+UN),?ER'FDL=<4GH7/P:4SZ:46
M?1#K>=WBQ6X\)OBM4KS(VRTV)\&@0:U-%5Q'2CE=-B(J!<J8U/:1+BO-/NL(
M;?XJ.MQ/5!<_4OS'<=MH_P!<)^5:Z=Z0MMZYLTZ\F`KX]3\:3M-ZO=Q(,PI,
M4(($+GA(UU_&^1F`U%4^QU2&^M]Y]0;]U45&0]-05O&C!L?=+4LS6[$:CZ$4
M"C*`^_8.V$EB=W/58F,<"3XE2?FD\=K\KGXZ6Y+,*6^E/TY(9=:?<7?8C9#^
MNBH$PB14O2["]\9%X]#'NU&CNTH.;A7Z!?:HU7Z&X(4#!U$#)X18="1_MA2^
MF)+_`#X'^,+:"XO''/5D3C%V9L8"[FGZF'KM[!4_,&Z]30=0I[FH6*B6Z]3!
M*@0*"6ZQ.LE$:>@PEO\`X8QB4]'9;^+C/&A&ZF+>_5BA6:^6G1#=P/"YUXG!
M8\B#UX$T+Y,8->OD^#!A<FP%O/ND)?KV,9XTI:U.<(2DIY]W6?C%3=*%3BOZ
MYLI`%:^9%&GBLX+%NHU]6A4N@Z.S.%'+,>L=&A,1K)7W&!/<IBEHX86XPGBG
MP8Z/&E<=<0E_@7,SQ/H)6!XG]',U:_E1KM))561'DQZYSK4TKG^PYHZ1$/*&
M//B0PBI;`]$%"$J<ACF!,%M'5(0XEP+CPM']=V5V>[WB\2#Y+]CHJ+<NQN$*
MU3#90=/L)[0#HHG1SY,&\5I<T!W2R<3JHRE_FP_B0[].\>4\%SI0Z(S?!H&8
MZ!;KP%MAR;&NT>R=.5LE$#N0OV9W6=`UB(3@SX\*.2B?J)NG%8"6>K6V_%ZP
MIS_NM=6L1NJ+\\$'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/C+'K_`+L$VD@)
ML3="S;964%IMG*EP(@%>4S+W%F:S:=RI!.S$W*L$+97-?$5H1#=E#&2,&1+&
M,PNRX*&H<E8F[CU+V9EP<RS^P5'>QE6R*P40R9F5"R@@(XV,BZQC,BM@@,JM
MV^*;LX^IYOPTDK"=:;C)98?95R2[QM*J./2AJJM0O=Z:0I]1*2MFJL!;N6AM
M/G`K+2:]21V8QC.",0A^4("RN2*Y<!H*%<&;(\/CQI'QKD_8XKB@O6Q*Q.G?
M4-CV1&VRUP-RCZ$:C2,ZR^3_`"FZ3X,$>!MXX!$#'J-7@8<R1`VI,MZ,Z:F6
M2-&@27)LQV'*2]QF*XD1T]"H=UP[:[)NVE6RBR-L&RX3<N^Y\?!WIIBH1S4'
MUNL]/K(*MC2AA^&)<G:?"8Z9'HB1F"*7(ZI:G8KKR>BIJAA4^N^TEG]B*W<-
M#KFU5S.JUOP\ZFLP+Q)D5\;PK3?:"G$Y*UL7>2Y=,U3V5193S"($`3"5,Y^/
M`4\R0DJ@]M/2M/\`@=1^T4;:7S.:KS%K09`5N#H"'T9X4$C?Q=<>BUI.*E-+
M1-FP"!+&H,E)KAV-&6ZRMYR&J6P]&2O[:2-/4X\JN:^X=P)"&R=J]FZ=GL`C
M4$#HYW0*J-T"5TM>/7,1LJ[A.$RR<F8-;"=T%\%]K_\`X4-Q3P_C74!_A%;C
M]B$Y<GW+T*T2:R3LV_P259NN64;<2_;-3QU5&5=JM^J1L\-H;\*0X_"T!/2E
MHEF9T5E,A<.9.XE[OWBTMBNU<_KU,BMY![N&RL6_W6QZB_HU$&Z]+#Q83PRM
MBX-^(6+&7FP0TI+ME@8O.1WF%77I,<:RR,$,I'*0N.AUU3?!*Q\>A+*30O>J
M?"F&+?>]?Y90<BY6/^-#W@U9`+TT=9,>;A0&)Y&RV9F^9=8A*;`^.@-)%A8S
M/'F^Q4+6A"!6X_8Q157]Y^<Z7!Q-"?)BE\SMFT6J?615AT$)?KE:ZH7U4N$+
MES)"F*RSEUAVAH`Q-6,ZQ6'>C&$M3F(21/:5_8A_N1FM9L^Z7\Y:3=JQ(KH5
MN&";'P2##F2@LH+7%HU5LI"VEV#E6]@:[$@@A\6%$&,PR/6_M8;FR)'T%]KX
M1]1;C"U2H>LDH4(0:T[7`V9B`\R5`-=!V"RV5`V`.LUB'$X[PYULJA2Y1!AB
M,]%>D.MICL.L.+0X@8XK]CY>3:7[R%XM*F&1GL(3NU/(6,E3"L8S1QM>$9;S
M/=NI\F0:&%KF=>[[&%6K!'8$2I4DE+9Y/@=D3>\;GKX-UC]CVA9/[E@J7;%4
M.=[`T>L%=+*S!HTP7$VB]CJ/=M/]J[C,N*P`*Z!"YF\N6,SGDTG\I;\Q8;CD
M=]+GW%6G@K'[?JA>]$8]MQ.PU!BP1]BOM4';?;F#9LT\U1*];ZQ:1H94BWD0
MPZZ%H-1!8HB*_#"AFFI(.XL2UR$QXI9E,CHCI0Z`]NH>ZRE47_3R=)<90+T!
M,?F9E*Z,=C[$XQ6/]*$-&Z>F0>S,<ARD&OY`PGKS"_OC_D,.HXGB1(T]2H<E
M'^V%GUO/(^C\UVM4B@)'PKQ,DF*H,KM]MH-S>ES)\;@DF1.':*1X3J:DJ4B%
MV9UAA"V_L:DH4*[:?<W'OQ=[Y14YL1KULO58!2HUDA0T9O9ZL#L!#6)EORF!
MGJ3HD_.C$;71N`)UB8FPX3$[BI4J+Q<=<A4-2!(T9R4<Q_VM16HM"E57<'*Z
M%L&;DYX"BV.EPZJSB]4L>16J)"SMJ4=CJ@^P`;1PAHAV3]6I*AK;B?R%-K'-
M<&JKSP2UZK>YUSL%:KEAJ.JN4MB%`:DIMAX(68/TD;I5=NV;&;JM-Q0#$ZW7
M14!L>79AC))*0^/?DR22VI34?H5BCZ$^S3&@/UZ@=IT?29E:9TP6]K$''B0\
M3IDN@)K=J1$16ILP@*E<BLZ(L"Z61!DLD'`S<M+75\ZMIP81\YPF6>[-0LE-
M%5;MHSR@\M+I%]ZO!*[8ILBPLLY;)&L7.**MU?=F4PL&8M0]Z0162B0)4E+W
M8_R-#E(&ZQH?J3DWMZ+A@B)VV>S#Y@7EUE$C+$)M*+H0CW*X9MZJ6:T0[/60
M%KJO[461O-9O0N)*C+:E`79*U"7(OT@]X%8_;]5/JQC=>0#H`*=+H[&>6RX#
MQ5ST6M)+MV2=$T(V#%<LZ#5I1S_\:B\.5%3$=(]__"DQDJY]$_;S@PSYH'<T
M]ZQ<4]9JA<]G(VPJNR/-`2]YI\NNCF3TWVR1.:KX@C\8>#/@`!.:(!<D*7&@
MS7&'._3KYA;HW6/KX(N=IGMG8(QD5+A^T9B@D0T@K6!\B[<J6BT.G4W<1MLK
MW)=C`7:*K0=,OU3C/071Q'O#`X9$A_=-6J5/85!Q]CZ)^T873#F3Q8^1PI<R
MZ1+;32L%+;8-V?$CC";<N1/;58_NA-3('&TN)=YWC[;B>*;[Q7/KY3"\\^#Y
MVW4%[-8_$J'\EO7M'8JE<="K%+LC(B^UXW?I4"23PUX2,IDGBQDH83-3"EZ_
M,D1G69KL)GK+;J/QA:$#7#^AM*I3_?PR8J86[&=H&3YI7.XNPGQ]KI0^I=S;
MMIPE<-C/'14I:Q>C1`46W(MTN!'9=>ZN=UIU;;@3K<+[?L1!-+]X:\`K6>YX
M+]@@3H*LZG7R=O,WR+:Y)QT_-V^2@VV7MEX)"!Q,%9>5CH"0X-(SY,*0TM#T
M2$W*C.45C7D[9]<:%JU1VS1"&CRM=+#)=&DU:DE[7='[)47J]3?8;>OXU^?!
MX9?8;ODS+S]6>20?B?G3X/5_D/J?;?3P9=*'=7@R/`'@#P!X`\`>`/`'@#P!
MX!Q3[HV.^TV!AUXH\N\\CYYKA#1[U7Z,T5F2KSGE'R'43UQI),0*;>Z?:.!(
M[WZV"ZA:7[`T/^/G9"6?!J-/#."0GLI[/9$TZ`GN6NQ7JV:OJ]Z(![[63MA%
M)`7Z''/5^E42;^4DYT=C!`@F*L=!9:@0H#;/7Y'.R6V^C5(LN@Y[.[Y4U$<U
MO4@::L1R12*O4;")RZUUZ1=)]IM^1JOW`XX<5.QASE'H&E3N\=_)^V.@>W+?
M5U2)"/!*)\G,_-+]DL_DB]+#*GM.",[KF91Y=^KQR=7\_CV&WE7#NE&#=OL3
M+#,JPS:D%%S_`)%1X,=N<TZA#?&T(5"T3X.P_?ZSZ;&]><-*P3C=*MQRZI[;
M)-8N^MU6MQCLCUMVPL,@-6?)H_\`/IPQK3X@KH>/UE31(JU`9?:5UWB.TD:5
M^Q70?V?]E[?H+F6T^43J[?(M/%D3.EY!PK?*&4$`C#=K38P`$\,`]F6Z8/9E
MPGIDIKCK3G)#$9,5YE*A;5ZEP^C>J:S=[7L0O4@Y*HQIAYZ^4804"V1S^5#K
M5"KA*UGA%D-2%11(6EVLBZ`9K:6_RX;3+<]UUQDA&2T,R2]"JK1[-^WHW0(]
M?']RD$),3M\*5TKIE;-5&J21-&U#5<]$5Z238*DCY,A2JI1@]HF/#XRG2C)M
M:N-1X;:%I%I&E2OQ7O3O!O\`/56C8PI+&-U,+8*F8Q@NY9J31BN=BC]R]I#)
M&K624`LE3J=H>7^".'<3",")$=YM[BGFU>"VKU)A(]IO;5BOV"ZC?X]8:L&E
MD*:`?8QFUH_F(+@':S0[V-1V-8G9O0JP><B2R`D5CD>5'GO-M/\`>RH*FA*(
MJBJ^UWM-6)5H"UF;7+?4H<K7K:.O]HIY^)-T2L&=@VJ.4UJB55119HV(R4<#
M#ROT@U/1\H,MYY+[34L7](6D3KH)=-+:]#=5OE:T\GV]0K1[#'@6M,T1^:X^
M#&;_`'QZ!;1-"L"B"5`Y5+C)=AM)Z[$_!4AZ)]8_P\\IGB[E<$X]8MTU+3M0
MTNLVY\87``8168K@ZEEJN]G)@?I-NJ5<J)0O.FRX5ND7G/PD&RM/L):^QN3U
M]OG8,V#Q(-)(Y=E^U&XNVZ;#E%18Q(*\Z71;AL(F@V:R91GU4=T#&^@"E=C0
MC\8;<%C`)E(LJZ9CL$@IV3)XKO(49W\I4M$8U!]D/:33ZIGUA//!Y`;3O]:J
M#JJN8W2N=JDWDGU.)R;LU.Y;799:`5DZ]87TC9_VPDQ1;+$CCZ8\_P#("D5^
MOXD>R3;=1P>CU6G6$B8`U^M9%%NC4_\`U1:+5;=QT.)Z^8Y9BU$!0S5K:"UN
MSP"=BGE9<9EZ.LQ(0\OGQ.1BSS@K29LH?LW[AW:@68R&,"!K0ZK76JBRE<R4
M@?)GK`M/MG$KNFA"[T]`*;^O;R"JR8\:,.=%SW"3JD]6Q-A<:"D:G<>EZ3JP
MK)\%.923@7H_=9XQPT<_AKQ!%R##L0T32_M%BAQ(;#JLO1+)3AXQF4XIU@?^
MU^B&77/B3T825>3@L-[I^T;]9I98X7SP85L4JDLTD3`SHW8W-B,WBZC*Q;,_
M=DBK`W`SZZ8X[*^QR%UV3)>:FQ%3$MO\?:X-VJIZ6;W"U`BZ>U2L22+,:)1F
M:-4;#!I)[M"C6<C4_7B[G9=JC6!Z./;CL7DE80#4YMN1)1)4V.CLO2^J[X"B
MO!M1'MC[,#RD+DXY')EK%<QYL;GA7(##4^;)M$;`Y4#U]!$A[T&2&4,J&BF#
MK)8@W(G+;B_,[]8H\BCH6HZ0]8=Q]@KOHU>SC5V0DEUW!*5[#6"Q"Z(3J,1(
MS7!5=&TZB184TZ54-,UR\UN[)F<?<=E*@0X'R(;6XM:QEI)<?4I35=@]@C&A
M6"=4;O$!6S';YO$UG)%958YS8VCT/+=&FT"39YW#T)5PB;PV+'3X<]I*(\-,
MKL:$VJ8RMU(J4:$>+^X_LW8K7J`G.8;(X'595RLX]^TY$6*6(9&I%,]@2[V7
MF!@@]&@CB)D_DX1+;CTA\MR`:^]3++LV"B.%J(M9_>#VKC6DW607\!CEWR<9
MPV)L]#,5J-@<IZS;V'J=3O%F,GHXXV+T-S-:]&X3^-EUO]LZ[%2OL\4VB%MB
M=]>OFX7:W4W=B>AL_P`@LV47V[#759S6GR%1)#!HIH\%KV:2ER8Y>\%1@MUJ
M&1:F-P2#1_K\13?&TL.KIEJE#C6B>VWMA<A4BT`802R!Z@1@N-A6\T)K)ZU'
MM5SR0")!MV$8;2$K)*O0-'(-R5CF2#2)HE/''EH8F=>A6HHOCU:U/3+)EGL]
MISI5W8KC%-0S]0APJA8J,),GH/K3E!AR@U^O%Y<^0RS`O:I@EY<9?>_G(>:>
MY^<U)^H22JD473_:3W*+TZ/?68E'N+(4!7BL2HUJ@E",W2R5TL]@K7Z`B;$V
M-UBBG:20A_"\/C,SI//QV>S%-+>>:12VQ*W`>UWM&!M]F;SR?7-L$V`W9;L'
MLIVD6&A!];,A,@R=@IE^=AII641A%:CUF1(8B"4R5ER2E\<^+B)KB8+4?0;T
MMM1RYUG8K`:OZM1:F;;._27EFH&:*'."$9;E/.JK]:,2YW(0J"6_+C=5%=5&
M=ELO+_\`JJ=\IF7I_`[,\&3YIT_^P*/^&$E6O/3_`&GK("0)?4Y1>JB6(I!X
M+FEPLQHI3X<R<^(JE,IFFM39LW\E?U_724I:^W['.C3B>(O^R$8;X:EC\*T:
M/7@DP%$+W(VF:.I=.:E*JDFR&=+L\6N$Q5*KH`1<8LAN6ER?UWX92I3<"+&7
M+\%L/W_[\M(@_2&1];.$"72ULA=>`Z]6?TB8PZX^QP2K]3,+AX$M^04`>M9>
M7,4ACK4=^5$;:Z^EUU4<2U?4_;?]C,4XLTY1<&T"SBXQFPP*^=(SF*D"-P:+
M7M8.7YZ2;,B?TT,X%7D,YN(-B223LUN9%><7%0I_D<6WZLM81[8'%X[H>J6#
M/PHV2"V*T9GG-79N<R7-T6$-LB`M=DM<&U$N8BVPU&X\XH/`'E7TN,*XA2T?
M<M`EO-"O@_\`8!_)7P+5?P^ROMZ)-$!,A=*W&LB^W&PRXF5$2\.PM-((+HPT
M*-UF*Y^2[^8[)6/EMH8XK\3\H+3\B?;B]`\S]3SANJR;QH>[9(")RJG`DUJM
M"Y-^L5NQ"I(D$;2I^5%"#@D[27UO)A1)K3\=#BVN*<;8:>"BJ_HC,!>^,V[5
MT=::#AQH^*L)>!4:NV3OE9KQ`K>(F03-RO(29'=BSXP895:..D,QY[CZ^E2S
M?&FV&H:TD.A;]2,0?['076IMQ<Q*U0<AX/GVQS046>IN&I=3AV,M1&CZZ$RY
MPMTC,LX9ME,-<CY$05?.I?%-I86%OIZEJP/<(Z8QZK:.)PJVJM%KTB?G`^BG
MC+=/C.NP:G8;SVTQ+3:@8KI"JNUROK^R2T.ZIR;U;#:%\;Z[T+>:5*<F?V=5
M=UN>_6,0U2S1IAA%?H<F*(,_C7`^)"6,_=*Z[*'5HQ#&V(3!J4_@V)%=***J
M:YU:H;7R.MBV?<_47WTL\G3H1%W,R07#CXL2."'K.7&!VPCO-6O6>V31-1?8
M%DBV7AQQ"F<&L1)[3L=R<1@HE2(*G)78@6\?<^G$F)$FMI9F18\ME+\:2EJ2
MRV^VF3#D-2XDA*'4K3Q^+*90ZVOZ?<AQ"5)[SO.=\&#(\`>`/`'@#P!X!KIH
M<22?'2B(L<0E")/9HF3-A1I3XR9UM3798YY]IQR%)ZTKJ?D;ZE?V][SZ_3P#
M8^`/`'@#P!X`\`>`/`'@'FXRT]]GRM-N_&XAYOY$)7\;K??JVZC[N=^QQ'>_
MX5S_`#SP#T\`>`/`'@#P!X`\`>`/`'@#P"K-NTU6,Y/>]234S=Z[2`3YS^)5
MR4'A&C:6'66UQ8$L_/%B&'$H=ZXI3SZ.<0A7T^Y7VIZ*E5T./9W]BV=9^$LL
MC9JE=:<<"WG1*Z'@I@52)%N`&FZ!LE<66K<PG?N0'I5>K^/3G2K$J3$D3)J.
M-B6)WY4-#PMM?!T;K/M#E.+1`9&\S#,859*K+N(4I`$KF19P<?8*.!(I9;Z\
MS-40@-WZ&0=C\9Z[P8Q*?YSOX[B?!$FRAVO[)?7E5<KUI=9MS(NP.WR&EMIW
M/"Q,>3H-9FV^8.4'`Z$6)GU&0,-*XLD(T5'L//HCSI$*1QQIL6UEX:?[/T?'
M,U`ZAH=;OX(58*N?L<8$@!!*VF--`4LC>NTR4.$&IT-=V,BA,AD?"8DOHE36
MNL\=XKJ>]$2JZ'.FF>_4.OIO"\UHQO180:NWN4'/0Q\&,#'$J'G6P7=XV55,
MM8XC;:C8)V4R!\/@=C\Q#C3RE<5Q3/W"J-?)THKV1JS6/V78)-/T2.Q4K(0I
MIN@="AI.B,6Z!<6*-_'8PZ!8IE<G39AR8Q\#C)1<1;#R5]>YS[N)$MYH4_7O
M[!,2MUK+4:IB+Y9;6%L)(3.#AHM+E+8!UR=:A5TO<V9_.$#@U3I!6ESXY!!!
MZ(7<7R.N'!E-38+D@6UGFQ_8%DLCL>.BB;*DK*!HM#(1RI`6RBJN9;SMO/CO
M4*M_(B(^J%]4"#0<?KW)Z2$EQH@Q`Y%E+9"UE@U[V66G"XNQ7+/[C%)$-8L&
M60<Z`BA;MUZ;7[`&L.IH:3#G6CE>8+/S6(:B,GI;]8RI3SZ'^1DI5P2G-"EG
M?[*L7*$QU=H%4T"_VHC+RN-RN#?X2((17-(M61UXE"G,&[E#F0"E%A[.(ES/
MR&6H$U?78\&9)=CROQQ;7ZDTV_V8SGU4T<Q+MH*)$#7RJPK>4FA.BHMMMU\@
M*;K4.-V59[)6ZK\(W.Z<\[WLB3'=<;'(99ZZ^MEAT%&Y&')]]\YFP"7\3H&N
M6(S-78X^:#H]6!-*U=54>O<>RE:<W/N(Q;82L=SLD_,Z74'DNQVT?B-2'76V
M^A:_L1BF_P!A%%37HA'20EFB=C`QYVXVNK5)[^"4GAB)<.A0I5PG8Y%GGEBY
M3/BT6/\`@09:>K0RI[D=#O%>"N/T.F*?[`U^V9_HU^E5"\TC_592P!+E4[\Q
M4ZY9!Q.NUX5:)+/)BK=*I78LP.;BN,3%F$0?^Y_W'F^)7U(RU1T*"@?V+865
M%2"PP1>IC$2%4'I*>?Z[B-M$KII!/*A@OA,CHL,%(@0[<&DLR["U+<J#/6^-
M\+JDN-,."V,@.C>]/KOH7+)GKM(TW1*K7K-;1N@E:43&#G0`C/*SK]HG6J$B
MK7X=>)<5\OAQH:@8A$0P_P`;2^J&J#)BN2U2VM'5+VTT:A8UEEHK5*.2@]U8
MJ%2RC-*"FBFRT]PD"D3P-=K[X*XN9NJ"(JH21*4]'.*&H@PE]9?<[\:5C-'4
MYHSW^R_&;*.IX@U!/_[#+B<PBFA89JJP03%WO`VG=L`;DRS7@>Y48%0/7.)"
M<?LBQ;4Z2ZF,,=)2N=:\%M?\C,NO]AM6"BWBM:S32"I`?#.'HM%-`P@&S:+4
MX"+X.A66C%)-QX!$"G#^>$TJZ9[&F+8C)ZF*E,J*\X%IT7B?M%F&^6?3*G1'
M2JBF5D6QUA40_1+BR>JL5PJ+LB`Z#/&W(Z8MGH):(XP01!F]Y&1)0PJ')B27
MQ&FO)6PC6O7?;P]XWB;6CQ:1ZL%;%PK%5-BVMP>2JM3@Z"@F$`YU<;=1[D7;
M"&&I`OO522<":M37$19:5HX+1KCZD;A^^-0CDK`^:JEEFUUL/7+L(736:O:R
M%=S*=4,[,V*^7DH#O!2I3@H4YHT&.E5>FEGGF7>N,LOML276A;?H;6-_8+A)
M)W\`'`T,\?D':!61%:&UF"V7/G=*J=>LU;@BW29T<&2AN?9HP*?(DRXT0<>2
M]&D.MH9<>2):RN,F]TLD=[#O]PSRXTZX:D:J-!O-Y;!(Y4AMT@(CRZ[FQN60
MMI`J"(4>BW%!DE]D;@2,EZ>MN4]+2^WT5Q?CT)Z)_L*Q>P1:I/K]5UTP.L=<
MC6PK/C4T?&9H`-5G#5,F]>V2=B@31LZOD;&/<FPHC4V<F--:<;9=Y]W$B6LM
M;8O8T=CET"5J=6;5='[""1)$5:A@8A&USRKLTEWCR"!VS5NLQ!$06$EN/_D/
M-*2I*>\<_P`\1T1*J*@TO5*'Z]T>-N.2Y2=N!CV#`VJT<M/9[LM(V+6L6T[>
M:Y*M$*UVB+88E0ZH-+XD*$2GL9XC(<:CI>6KCHJ5>'Z$@K_O=D)2_P!$R8R(
MNU2TJXE^UV?5+'!JT0E3SK[Y>(#C6"%!N!25-CVI\%)[#?"I,,1&^(Z17"^]
M/U"UTKZ&?LOO%D&$V&QUZ^"[M'_C18`$DFV(-8B@")(S2BVC3X@.<>M@1TM+
MJU'#N$)S#379#O768L)N9.?:BJ!1;(^Q[T44L2!_QBMW2QLV:7?JO5*<+!`G
MM`M]QH]Q`UF:@>P_>88JJPXL67.F2!]D4&+M18BG766/HVU("T@6>?V5Y7;@
M]6$JJUYLNIDJ[0.DZ=01=9EJFWBR5FO&+77`T0Y>8!`"S2R%@;8DNV#HQAWZ
M+_$?F\CR5M"N#_D24-[\5$PY9SSE-L86D5P?9R`B49F403.T40,%^NYH59ZX
M8LF@5JLU6"Y#WV(V[`L#T":\Y]OQ=XM#C*A+7_,Z$]?=KC;Q7[7<1+49-69M
M(N-2I34>7$F$JD=S3/+^(GF8TMYWK!=?+HM#J$<0VA+:><YWO%*4(U3@OSP0
MIQ[UYPR2`(U:1D]#?K9<?8110&]7!S@L@-MM0A4"S0)D);/6'XIVE#F!<I"N
M=2]!:2TKZIYSG@M68)[UJPBS2;'*.9A69R[?P)RTL=CR(\"Q<KL6./%),C(L
MA@:12@9#9AO<=:5R7"9;C/\`R,(2WP*LVL'!<9&N$G86:U)A9<W.L1#O!+"^
M/FB2KDN=.XESBTL+D.:&>7U+?$-_>8F*XGG9#G5!5GE`]?L5%S"\X?FE4B/'
M7ER2;;0U'(3\EZM&J=+E-C>JZ.ARB-9L<^'+=9:;<EM2W?FZXI?>]"K!+U_Q
M<O7;!4B&;U>16[39XEU.!_P?BAR[;!C#8D:QLH9<;4/+ICB&$J?C=96Y]JNK
MZKKCG5A5F+,]<,'GUMBH2,GI'\;B1?PX(E@'%AQAS'RU%]'!?8B6'ACC+U!"
MK;<CJ;<;4+C=0KG6D_0*LD$?&<HB0J&.BYY48T#+QL`/G4)@)":C4D4*FUXB
M-'5IE#26Q,*!.J8QUIMGB4MK@L=YSGQI^@59`R7J9ZV%V9L>?B]$<C$!M;$S
M8K0=$2*_"J`](>N?=&AKCL<EC0*.#>2>)Y)<%_\`A.+7%^K/@7,FZ<3R)/%(
M3FM+XVI2U*8_CPW\=7R661<7$=C?!\'6EVF6[.ZC[?L[(6I7T^O?`JSV`8[F
M%7K0&G`Z6%AUFKDI9>NAULN38H4C-@E!;\H=^>[*=BJ_5FI45'$JXEJ,\II'
M$M_1/`JR(R?6#U_E1C,-S*JHW%/R*W-)1XD5Z`STC4H?!U?*P6X4B.D08@CN
M?C]F1/@E/Q^];=<6CO4]"YF),]4?7`@:.V*9C=&>,V<Q!.V.;T0A'3A`<0(&
M(_[5EM:(TX>LR7ES7X;B%0Y,V6^^\TX\\XM059=P,&)K(857@,".*"!!\04)
M&Q$]1%@#H+*(T2)'1WJNI9CL-I2GGU[_`(YX(;7P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`1#0*I5[W2+53+JCKE3M`(
MB#L"4$Y81W@PC'7&DKCF8$J%.%2FD.?<U)8>:>8<XE:%)5SG?`7G@H4CZ\>N
MAM@.3Y)D12@(RAX'>`6H643:QMBM9ZTV^0["MHNR,$FRUSGZB56^GCOW$(IA
M37VJ94TE(M6>6PTG'=?TW+1=VN&;SDXHB^:&7H!B7!F6:=#MU!LN,<F$E.6"
M.H72VA=\)IF_DPI'))!,+J765,=^0552(^3]2/6`C'C1[%*L)IBJ5*&%(H/[
M=H,[CM.XFXHJ3-R[*N?>FA58BW<VV#=)?+R$B>\IE7W\2M`59?MRSK+]3AU:
MMVP<,LL>AV:D:97!G"LA+HD[5)SLNFGUMCYS,B3#1*B.I2B1\D28A+C;B'4?
M>GP1-KP4?$]4?52+7`U"$"(HP)40:ZW&#B=&LT:2W6@M<O-?*`S+[=FZ2)#.
MU_8"R2*);CG7/V+;KW?O;CK0+61/+%$PD.+#4<HN&Z*V[27+".ACRI&:V<N3
MR2NNKL/9T&<XZ.#]717IGS\<;@<4TEK_`*.<0H3GR02;A'K%$L`(.Y8)(>P&
MM+L]IH@&'LEJ&2HEPG0B5ETBM40+'M378=?M(T_+F6&O16NC9C$E+C\;[&XW
M6A:R/[`]3O5NKCK0&0,[&5_&5`C<XMIMMEV&M5.9(I,JM0HITI:7C-6&5->5
MA>UQ;3S'1'1?%PU-N+?6X%S)5!J^$5+F=>N32YL^1,-%MEJP@A9;+9S4D]4M
M#':N1N)^S$"Q`U)DRM`L""*53I*FIKBW&TI4TA3?!.?)'H7K)ZW5X?9!85\C
M60<F=1HIT,'U>VB@HVZ4HI33%(LG1[5H1%$:/"E4T(ELASC<^2S$:;<ZXA:^
M.!5D[TK(L9U4U&*VR0IJW5I0D:*L-=O)BIVNJ3ORED1?!1.O&AT\*5G(+.M?
M5/4NRH<QQA7WLO*0H$VB(6;UV];;/"CJ(=Z/=4]?3(VQ`-/L];L$=1NRV>RZ
M;.%6<+9X)>,W.)70NR76R_SB(A%^,YU+*N(X+5HT<'UD]9C%3N-;KE-'(@2.
MB0<MFS2[G,!3)E;CV>?59#T6?8!LBQ5M#E^(+^2+*0R1;?6CC_>MI4V%6F>6
M7>ME,JF!:%1-3NK6C5_6+$:T&\6IZS6V,.[^YB`(PQX-<+->+7<V8X,=6A[D
M4C(.OR>26OF;6TCXVFP;YX/P2]2/6B?`G#R96WOQ61-JHLY4O=M&<?BL:W9F
M+SI`U^:_=%2F"NOEWV7C?5K^<JPIM'?^W]O/`JR1"?6S`8$,0#J92Q`('+44
MO5%$U/7KF+C5@S)#VT%8EYQ$'6=*:^'(1;B65-A#^(A]?D=<ZVE3+/Q"59I3
M]6]5:YFE9QB1961-:I"AVAA7:UH=D8N=.:EEK3/7J\V[5\Y_+:\((%6C22-@
MD2VH+G7I3+[WV.+1T7W>374[UG]7S='LM3HR[?%RVPQ:N!-UD/J6FCJ):!$"
MKA1D9Z''794#SX2\U1J+&)SXJW63_&W%/.O2.R'%!5^?4UU,]*_7FO9V^BTS
M9=R01%6%N5H,Z^6J&Q#KMIY=.<@5&;_+)4:F5H<UH9-V!''/LQHDN6J2QQ#G
M&NMA5U.A,^S/,L\5=*[4Y\U<6SE9I<_4REV,V0:,(V-\V8-+$U\P7GL5=NT%
M)A&?+9B-QVI,A;J_M^U'.($;;\D)R;+<*R>B6RKY^0.U6O6)Z1`+2SU_NB;!
M%CUH<-R(.[7SMN..G@8(*%K@\<#D0'68GP,QGHJE]=2\X#;;Y(:WZB^J(B(U
M#X._`Y69:Y=D?5I]LC3#39Z<,*%ANE2>VA#MF!7$]5HL\A`*]=AD9L/Y'&U]
M^3BA;F;#_P!I?JHJ2Y.&UN`*+&.W(>/-`+Y9!1F,3);%(W^Q2JX0@61J0/L`
M#6(:RS#T;J9`GD;\5KK4)O\`'X%9$5A>IWIE(6O,X[$0JW;LWN(=&?/:_<"Z
M3-;F!H^6WB^0P;]QDRG[GT"\R"FVMKG[EEOB6>RT+^OU"LO)*=`Q_P!4,1I&
MHZA>PD&ET=Y5JMND'%$;<]#;[<9F8\L,IL<*ES9;/"4[+*ZEN-`8Y]KD7Z,M
MI5(?^4*R?!8$\)B6GZ&^4)MQR-XSDFS38\E\F2&\Y,(4>%>>11#+<V+!/M\J
M%_1)6XTA[C:7E?7O.M?\1*M+@R;'BN.Z'F])J$^,J9GM('M-U/H2W&8$1D&W
M1SF<R(3IP078?+A9]&L4X?*1(?>:?9?4I7U<2E:0JZU]3'9Q;&ZSH#FN0')5
M7M?Y4[I\E`O9X,)L?9;C,-$"Y"$&V0EAB"2)'BH+$QEQ$*7+5UGB%/KXL*OP
M>UZP_(K*:8LEB1/!VF9<A5M'64+=[%3C_+0$ITRI)X+)!S0V0AB;0TR84V$U
MW\>7#^];K:EHXX@*O^17DWU0]<9MA*EI?3RM"M1V58W+CS6[RQHZBW(U7D-R
M`ED9M3=@'<$URHCH4=,1QOC`9M4?_P#!WWN.!5F71?6OUKJ"ZZU26>LBNSJ\
M;J-98TRT%JQ^^I%9>J4:S5^ORK-,'2#ZJY#4R2F-(6].4RM^5UQ_KSJP;;\D
M"KWK?ZA7*23$U=DDB92;6)K`B0$TJ["Y-=MU7H.,%VI>=DX5F:>CDV*?2*MV
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MX;[)*^3G*WXTY2M5URO<++?QPG`(RZVXW9R5A"UJKUT.-6<-&@-_[GS8QK]J
M;%"1ZSTIB64@OS94:(L'`DS7764-_16KU3BK9[4OS+JFL:P1S9<V6<XPA"*N
ME*.;X:<R45<U+)%RDH_%"4VTESCB?<?.39FN"H-4T[L,RW1&CECDUH9#`Y^9
MT2\7',J]6;JY*L#1-BP-:)12`><T.BD6Q\A#;K[B(KJ)'7R+[F</YGUN?-CQ
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M8<^64)2EF=9VXJIJ-&TX6^Y2C=)'V\J@BC6F^%<UU<7"H11R%H`<G"H(TY2A
M?*8&T&/9"[<[08XR<.(5(_%D1X@V5/,.O+5%Y"_+:=91?D5*T?'\/^)[>3\O
MU,.CEW\NMMQQZ\J98R6*,L<?BCF4Y5RI-/'.+482ED;K&RY-+TF>XF8"CMV&
MF@>A!P-'[=XTN^S:U&743AC/JT$N%B`5G\$O,LQ0I_'SS+L3JAK4:<\AV,PZ
MN4TIGRWJOJ)_F?58L^?%GAL0U\'RIY7!?'*6&$<DX0I)SE*R:<?8E)IQBW-.
M)M%>P$^-/.*G9SH4.>)HE2M;^6S1N=#[H-C62W7BOM'R-PEZTG.&1C\>J=<7
M%=G1UPFT<6X\MU_D9E<_H_'CC_C0YO\`V#)'+/Y-?8C.&OCR/`XX5DBIY,L+
MY9'G^&UK'5Q<DXI5;;E:L'+M_7ICVJV@&MF70Q.<Y=H5`1*'*@DU0+M1R]IE
M-FN)DN*4]UZ(VCK:>\^'O%)XI7^%>%*M6O%#CZK\A?:/;V\%'H0UL&;%54E3
M+BE-W<^:I<>G/DYV`>[V@E\Z]-"TBDU&-H&WZ6*IFY"$R3'06>!1\EBMW$S6
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M`!UN]8>?6TI'E4T_K3C_`&G;U_ROK=ISE@CFEK0S8,7R4C:\FQ\/QQ47+Y%Q
MGA)RE!1I=1MJAHCGN1FP4B3')K&D%N"(1!Z<1&@0[8EHFUM%C]?Z_6N$2UC%
MQ^V&[:A6)$,6U]>,_CJ3*ENQ8R776SFE^OO3_><&?\SZS!EEB6+9G9%MR4(V
MW?N9ZD(5E.*ORYX.,%XI[YN$:M2+*_:&D;';/XA2J]<GYP^O=-W&9.:JD6#0
M9O+/=*;_`!FQ)1;7R)$URS9Z6AJ>"QRXM#D9/53.)=:4M&:DZ([/5?E.CW.W
M^STL>9Y(8[LC:@EB=^7'9/\`S&W*_#DBWC62":7OHTSI/S9]*/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`J/=\Q1LN46S,W>BOQK6V(
MB36CD14\1*'0[`**$8!"$GBORHI"!!<84WWG4*^3Z*YU/U\%3HZGSEL_];AS
MC4UNDN8JP.)BKL'E5(Q59XZILD[U:/8J7'TQF"#@+;=OV:UG7A,8)WXF^K0/
MDQ4RH3:XS[(U<CQO7I)-S$:,NXROT'0E@GGR=O'*S:P6>R:85<]CS.M0HEG&
MU.KV4_8QMC&VI2R[_69*H9@1"D_!)C\7QB"ZO!3H+TDVNG4;+='OT6E&49UE
MV2"7<@$T6P61VP-@_P#0,AO*+K3J'5#LXH`I1'.R74%.O6F4MYV&Y\#,6$ME
MT6Y5HCIOT1]-K=AI@)IM[9@1CA;&ZF#;$Q#3\.=194ZBXZ%L.8R:M&`R($ZM
MU8CEZ%"I3EAF?A-NJCLPVNJD29-)*5>#3O?UWGPD5\WGQC)*SI*V":E6]=!A
MRWBDDS#]LV3K9SLP5/05:LJ_8`0B8N8Q-0O@=3CS$GC,5GP+_P"S_H0N-_67
M;WP,7DVY4`;9(-_K5TA_"-,6`4]7*I9?9>Y0\<LTN1#KT^TY;82.U#AIR`VT
M-CD1D>?]D>/UYAI`7EEX3Z'V7)K_`$/0"[U!LM@JNH6BR&#DXC/)3S-;LE7T
MH>R;#QET,2BMWT:5O3;,I:WY[A>''XIX@UQF+$:!RJJ&ST/TCO>H>QY#4;F?
MS4WGSEHK)%-=G`?DF'ZF!NV'7*#5+.!8KT423>`2,LGH9GD)Q=Z8HBQ]$PF8
MWP+$4J*B/3UJ]);MA^LTBY&RN8'QM/HMA`O6Z`+-M:@9E62B8A3VJF]+EQ_P
MH^?U)W)'78".RGEN,RHS?&(RHKCDH')-',7L=Z8[-'>V32R4*C[*6T"1;`5;
MS<?G]@/A+;-LH'V/$56QW(!6*G%%U`Y4QNM#(L<A)[-87*@R7YYF/V>A^%#2
MDO!FYIZ37&U:T=$'ZV$`UW/X!IB5KA6A&AMNO]SLS_L<H6<Z_884.);++E,[
M5!\L2:@O38"4PFWF)C+[O(D&BY)$P$?UP6\/6`H6/"SE;[]+L=9TA+VAV-<.
MZH5"B(JPZM(;QQF)EK#%J$P;$_-&1'>NO(E#BD,\Q-7);$NY-M8OZZ-4MX0X
M/.[#4HY*[5FU=T`A7JK*`QK#?X6>":KCYR((@*:%A@E0.'K;(F0V6OC=CD8:
M&$-\C]1X%R.B)_JF;1ZW9QE(4;07B]!TMO49V?78N3M^27*5)M]HM!>EG23%
M*`2&JSV;:ESAOPUM,040A0_C'JCQTM]$KS4YO(?UKV&SR#K5JEXXX*<AZ7"B
MQX]<*$EW4E>:O[)1`-_T)@A!8C*NU%,[E$BP7&ORU(@P)+[3[*Y#$2*+?0U%
MI_K]O5DT?4Z;7FLZH5$L5>"F*KKH:OSH%TS'I*\^Q)MZB9)%'1XP^`S)1;HB
M+&VB4-97!)*ZA,I3W4LBW*GW):-_KL,M"QXO\7)P;1BO\A75_P#\NWSHA%BQ
M:H2>'5E]5"I,*12;"SIGY+HOL4;%'RH/V(;D_,J0@2XUYS^N70;/7203M]HU
M#C6RHV,=;@U+'&7!?\D$Y)6Z-B;P=Y<4(G@7/K3)LQ"0A41I<E@C&0A*%,K[
MT+T79;?38X>]4*EA064$KY>O:3'TPI6GK.\<HUB>>OIRY'*:\>EYHPQ!K4]\
M\X_$2BHKACY3+"&X"F6D^"7*ZI5,[^N>QC`/_P"3BX4ZE7B,F[_K+JX-+E[#
MQ5IM.9PQJ['9/L@G;A-K^/`[(`9E3%_>E\PEY"4(Z\CHM]?/@W1/^OZ<.?,E
MJV-Q2T2&K4B57:EHM>)2*J1H;)#V;2+H]JF,#2\U8RL1]['E(;2(LAA1FO(5
M]K75M26`N,`3_6^R/@TP:8+YW:^#K#8"M[)V&GHE$=1ZX9&E*E,MR93<SA\L
M`CC%*;_.<EIBNK5\"N<^[O1+B&E/ZR#:B0I`FQ4V)6850171]?$.3Z>/I9^+
MEN35K^<`(@ZKF724RRW2@3'S<)F2$43@26_R9C_W28[PU>=$9=ZBV'%=2'7N
MA"L72.C"35;CP.@9E=E54`=$>N8PDU5^!0KS:?SG\LL$MV/QR(RN848>7UQ:
MY7U&7*J.A/8''#&X"*/48]RETRK#;^*N%W?%001(T='5@<6G5T!!AVNOVBK.
M1E7CHN;+_.@R$*C05-H2EQ:7&Q$Z'`A;^O77IP<:*8TJD*L#=5L^<%-0*1"Y
M([/S25B-&Q^"`E4UT1^H78+?_KD9-,'!Q((0@][*9C=DQ9+D7HU>CJC#\-MX
M.C[ACNFU&B@,]T618R8X=FQ-Y=4'-:HQ885XI-6#2A8B2+K]>@)A/(ENQ8:B
M)4E/=3$8;2W\@C?AHXOG?UE:@7!N<MNH52\%I<\3=+$&=X6K(2XZ+>@ME">R
M!"<6F@;ZH,+N<ABJE0JDB9S\">`5]R4K=:D,#5Z]/!UEOGJ03U.U^O1\9.&E
M@N+`Y@1ZHV^SF(<:7,:/YC::_:>'F:M:C!<A`GYDW"GQ_J,D%8!!]"Y[2.O,
M2AE2I7[G'-0_K[V6H6[E(#D\P?8K%#SHI6?9*QU(@4O06SB-4UO1OT=>$RTS
MH))MF28B5HI$D3XT=RB('Q5?D_1R,B&G)/DL*L?UP6=-9L[-AL=`"7(R]$15
MK/7($PT9S*#*NIFR69%0L3H"FOP9):(8<XO@Z"&CO.*4VII#/?\`*A+N?L1J
M1_6I>[">DFRI3*\]B&HAZ"Q6<8D':H`RPFY2J'70M]I"%TY$\Z?+E*>MPY";
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MP]A@`O5HF=ON\:'')6/+3Q;8LWLF2DI<&LF(PEW)*'_$I]FB5.',>')J.D$K
M)8$OCWGHLMZ-(_*Y^(\MKXK9RWX=>#BU_P`4R9^QW^Q4LNKGGNX9Z[:A)1_;
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M,DH.1NVZQ(&4`#H(""83'&*)3X^A9O?,UFO2VUQ^Q4.#1U]>D,<;2E/7H[?%
M<ZCJN=6*E#BR_B6KEZC7ZAYLGQ:^/-!2I&YK-ARX6WQ3VK*VJ>J5>*D(V'T@
M`:Q,L<[M_)A'[4V>@$VYU2J-Q@0!UERRBY61(5L99H,H>%O,`908[XPYUM]Z
M!^;.8XTXS)ZE,ECN]3H]S^#:_;3RY/W$X2RJ2E7'CR)1G@Q8).$9IJ.51Q)P
MRT;C=DC1QE0F%@]0Z;9Q!L&6M%G_``3Q[0[!)<@_K(LZ)-T&CCJ6XZ.E.0Y*
M8\FNJ%LD(+BT._28CGRI<;YU':X)G=V/P_2VL,\&;+E^/)DS3=+4T\V)8_:Z
M.CA:IQ?/N7-5P::X^IQC0^C3UVUCE@OHU-';46FYM5I%),MT,OIDT2BQYK.D
MS0YKGXFG2%)XN0E$<K`A3V4MN,<;['!OR^?X?Q_XG!N?B6;L7'8WMOY-^/Q>
MYX8/%+XI9W&_"VXRXSOUXG"&2-'&A.L?]:@./U`M41UI.G6"^<43-Y!`I%#Q
M9:8-#JY"K0RJ6!,&"/;GD8Q!3SS;;+<9#B><:;0W_P`.6,%%4^QW^G_&=?I]
M.>GCRY,D9ZV+"W)13IB@\:E2*2JTZM))5\)+@KP/Z14@07CED7*V2^L2O7V8
MW`E-AU#V7L''#QCJH;+<)M</NF,`QJCO4J[UQP<PIK[.\[]9\:_W?[#S</X-
MHX<RS+-F='J.CMI_]JE'CCCYU&'R_5PBU0@:?Z_`\:EUZCC=`$CAM,G<8J;[
M.+YHM?:PBGG*/$:NT!R#T)?;X$"F^K&6*9%0[#EMJ=[&<Y(E(?GQ<4_^$=)?
M_P#/<,-+%HXMB,<>"5,;6MA_H^.>)?(J6Y<L(S]F:4:QDF[7=-2E;WI7]Q&"
M6BZI-'$JE0<TH^?D!]%K,2?$[EEGSBYU<MH\IAQMS5.C;#FS/84>3^$@=#*$
MF8ZD+E?,W?C^_IQ^O4[3_"5\D<L=N4<F'7PXL36*":^">')"69K_`.O;/"K5
M*U0CDRJ-'.Y9O?2D#+I=DK)W0C]D,62$*D2;(;KE/FL\MP/V`O'L>+L4FK.B
M%5PB/:O=V7'=%/,JB/BHR6%=XI:W>OC5*/\`7-3?_I&O/2RZVQLY,N;+&+<Y
M0QO_`#([>7<C-X[;&OERM/&U:\<5'RVR75[UGDC+UC]S)W(!UK'AUA0($4O*
MJIGGYY*T0;,.,PW"@61(F0J!,;LB9CM?;XIE\N/B3GGW'6><[5"C3;\?;]?V
M'<U_QF6/?T]W+FQTTXSMCCP8\57D4U).46VL3ON>)</)"&24FT=6^;/K!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@%,^PEDO%1QR[V+
M.8\M^VCH8[L1X?7W[82$#)1P7"LUD%U6,AU^S%:K6),PE%'H;>5-D1$,\:=^
M_P"-0JI7D^:I/V7]OD!3%:!0;I/L9.78W\LN$KU^.NOV?,1%1]E4`=,L@]JN
M#*X%-GK!4:6^X,D)&./.SVD,PF&"#;28;I$G/N:5VO\`F%.H`F?H)P.#"YK9
MJ\-K^3RK(.U^U1.:LUHTN\6RM5_\*GMU-D'7)*84>2)COK,*:ZU)3(81&I(T
M*T.ZY[;/3"*0EMTX26J9_6:D`_C>,<)Y999QH14YF;`FPQW-H5L23S,%')*(
M=FD),*2896I@K(CR6X<<6D?4C9>^^U.9Z;LDK/8&AS[5,Y<(0NJ/8@6)5*[@
M*I<_<"6K36[.T`Z,8MD),*LS6QT"5%C%'2K#2(3R24/D<.&N?'_0E5OV'V9L
MUHL5_I,/1;A%<EEIN)Y8>Q\Z%IY.)2-+V@<*N?.RZL!M$(V^#9K//_.(QD$8
M)!IYMA2%I=;@I$M//=0]J+!=H$J%;[M:<GKESSD0)-V'!8U,*;)6+KH(&L7,
M]9X4RL@"U2YGD0F53'Z/ABTN-BF)LA+L93G9-)Q_,\;]KON-6=<#QQ79TZ@E
M-:T_K`^3G,IMJ;5J-;\]%`\Q%3`U"L\N>6O&?3+$4$D2!(`Q,,-1_J1;@PY<
M>0"4:?<Y[/;/[3:ME.GU.TS]3KXFQ9QL<',9PS#S),WIUQ(YU52@?/;<6_U!
M1TUMZFOV.<B,]`$@T%IT-Z,R4F?K9#LL5**=>#I;7RGL#/P^".*V[2F3`G<]
MWS<X6`9T/Z4T[/V\]W$'FG\I"!JA+8@A[39E5Z/PD(CC65RG&'VWF.JXM(BI
M4AO;S[?4B/)K9"XWM5/ST'0AQ:]Q<*#D3\P';+#C,>VW!@=`K)*$1(Y-5K+8
M.1(D*`^GJ(29)!F;V%);DA[6:>%[.^V\@57ZZ:!W<+8YIJ*0M-C@8!9I,BNX
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M3'T]E=XR5@+*1.PQ:1)U;=B]\Z[_`!V+$G/+;N1UHK-M%BRJ8.`9S-EV+>@]
M7SN6W4\VO1J?337:364SYC\'I7[9W>MDA_24+K$(E$UY?7/;:B9]?Y,6Z;+:
MR8269K@*:0QP:Z^+OLO6?9F?]]@F"<7MQ@Y4HM2SJI@A;0D%)2^Y9(G>RVT3
M&9T.BD:GF/TGV7"V*80LEDU0/#*W"^L7[0W</E6VP8=2SIRKV:H5ZB`(E*G0
MK)7I'9D&$RI^$>D1(DY]UUS[XCBF!:(O;#]/]RR[)ZQ:-7ITDV8R?83H3,)V
M?L58!5M$SN!BR*+7XMA0E!F7W0BMU/\`7T3YS_%('I1$ZW^)*<>$:CZ$=]=^
M[+K6ZT>^Z$?O9RM4+-]E"TVW6G&0V=.3K':@OK')L$EX.;I8\B!,U>UE;*$'
M/,)B_F0!3\9W\SX9TB4#HE1>3FVDW#W/SK/S&CULOJFD6JS`,QJ]Q'WG*412
M+=A">O0Z3?\`2U]@T%LSVST6TU^2,1%CC9(V?)C]0J$0F2&U.0TU$Z`T&\^P
M@X+ZL:"FQ'9^D.9CM;'Y%#R:S6ZJ:;:R5UQ5S.*'=?V&?UYR@(T$`-=[-*."
MZ[QA]F8[$<AQD=0JF:+E%/['HWN@5SFQTEY-VN=GNN('9<2C,8Y)KH:QQ;;G
M>R%+).F7RN5R3+I)K,[8,K@6#$Y(_-?;?2MZ'.?)1EQQ4HU)2*W'WLM%QGUY
M;\^D<^N<@Y\.;CI-9F!RUWS-@FCVVDCI%!+5$FC+;`=L81N1.MLR!)KXJ,4Y
M$E]=Y/D"4B97M/HOM[$T&NM`*L;[;L[7_-LYS2B4^PZ1GUWDHQ3V,B%KI9]7
MCY_79#!*OGOTS+8/XH3:YCS$;D2<X0B/(!*-.2)6G9/:B[#:[G!&/;K:.L=.
MLT>SE0="L[(JUUZ8K3;!2+N()L851)0RUA$5<$&.K?E@(;Q.6XB$`=9D,3&Q
M:1\G0'K-IOMYHFFUYC5I_P#'JAV;JQ2VUN!0IK,VOGZ\S1!PW+SEA/YW480X
M!#F665-$21SYJ63:BN=66DM)\$:C3@K49=O9H[=ZKJ#9O3'[G3H5N%:=E_<2
M8'``KAKV`P(1*R"OSI]=A.6(+&SY1,B//QR4V7/^+\Y,]N#QR+T*+P:FB>P7
MNI<)[A6/%O<*K5ZP-'6!IW'%=-VL68L_JU!?S^TDIF94!N&Y3!^B75F2X#@)
M<;DB5<_:3T#)+\D&HHV476_>X::QVL$R*I<.U]H%ALEWMV63ZZ.<L5HK.1EC
M6-3H5+S>WK&!TI,VKD20YP3.CSX3+,HRGD=QJ2%(G??JG9!AK!\U!QILN0?S
MJC9_GU\@D8Q",4K]Z#9W4)YNO&.$6&7'#(QLNSR7]BG.-2%+:6KY6W$)&7Y.
MBO!!X`\`>`:6N62NW`$*M%2/!K16CL)DD$L->)PC(0P/D)^^/.%E1S\F#/AO
MI_RAQIQ:%<_Z=\`W7@#P#1AK*!L+QV.$+0B;]8./5JP-0WN.K$'H\`<4>$SN
M<_\`HS6QQ:,]U'?\\;?1W_U\`WG@#P!X`\`>`/`'@#P#3C[`%+$3PD:2B325
M7G1!MAA,.<6^(GSQ,`[#B3D<_P#HOR`Y2/)2G_KUIY"O_7P#<>`/`'@#P#5$
M#@@3,!#R1"-"FV<H\$K\9]S['2Q:.%+V-\?"YWG_`'938(!-E=3_`-?AC.*_
M^][X!Z0RPPA++08,^++F`IK(XS%8>0X^+G21L$Q'B36T]ZJ/(>%$X\A*5?3O
M6GD*_P"BN>`8M@L@*J#>&+(5AAA?200/R=/=XQ'_`&=D-CZX!@_)W_'Y!4Z6
MC164_P#W[SR4_P#KX!7D7>LBGV0941]V'$K`:G@A@J"-BE"+<^=9*A(OXEB-
M/A0'QSG7:4QPHZKYOLBPY$9Q_K:9<;Y1:,M[P0_#CK3*>+=<0TGJVFN*<6E"
M>NONH99;YU7><ZMYYQ*$\_ZJ4KG.?Y[X!^_`'@#P"!WG4\TS!()>CZ!3:$BT
M%D@JXY<+((KC9PRMI3Z1@MPO+B(FS?A1U?6V^J5Q//KWP5)OP3SP0>`:;MA"
M)L+=443B<LCP9ZPM!NN\_/6$CSF!KY-+/_7L1J?*;:4K_P!%KYS_`-?`-SX`
M\`>`/`'@#P!X`\`A^@709G=)L]X,=C_KJP(EEI")1<&`9?\`QT?]F+TQ920@
M$/7+D*2TAR5)9:^]?.=5]>\YT%R<IT+WEHFAB;P7$4>\144'(2.MDAA)RJ1K
M`>A@IYH78A-)!]L?9]M;"E`$F&Z5C)Z(_/2F-^1QY7$=&K?]Y7UG_LXPNO09
M<N-6]!/.Q[;=JM%B#XM6C=+MTSI(E'/B912TP84P1?:>`)&*SSY.23,>'\+;
M29#K;71;&2S./;$N2K^W7.X10K]?SQ4-VLQ(\@9299-LQJVLT<'`GD;L>'"8
MA(A"J8IM+3[K#JICCC:&UNN-L>"4YH?D3[X5FY95M>E4'.+42E9%B479H51M
M1FI4T]=H4VCO75J*)@R3,\C&KS'6^C7#ZXZA+I.-,CQG7W(CB>A;S3[FBJGO
M"5ADCM<T?(KE%/+U6^52I.`Y5"4+(U>J:*3J)DE-?>O2W(*<YALM?MGWTL])
M*;=<&LR.<2CH6_0EM<]\,[,HGH+431ZE/@4^'HK@TY%JS\E5!.DLHB5.R?*$
MM!6&CE@A:["?[%ZY^3#4/G-/H0MIG\@+65U*_L!=79*O/A8UHD3/55$I>[7)
M(]S_`*7[G1F!GIVAZ@'['T!Q'0O05I?5/$*0H[R2I#*(WU;7U4%O]I?-O]ID
M`;D?I=:R+0=`F"+R.R@=.`$L^&0K+JTN@-:R1I8KEHN025%2`S):RDHE-;BC
ME.-*B,.NR?HWVBA3XK^QG/C3T0B.RC6GJ!/;9F0M$6C/F1#XIPW1JD\1X"7>
M_P"8MICW/308[K2A_'E=?D/I3UB*M:@M_M(D9_L@`@2`LG8,[N%6&OUCZ2,]
ML2Z3$N\FW6EG*+;G*V;&S=Y%!@!R6<WF9*F(D$$NQYL1<;O?F0VA\6P]YGN,
M*U)3M*L^#6(]7=%(66IYYFLO^(R3VL.BYN<E0QR63,W(`*SGD0)99$R8++L)
ME1EPNJ3*2^TB.^%M.:EC8Y[BXR4K\^%4,UM^>9'0\ML]UK)UT)5!E:E57,*M
MG=DN08#5Z]8)YT5(JXO3!C*6I$&.U)DM2VV5+XPE;HCB_7R:ZO>V-]O>V#:6
M'RVT5$14LCUZ\:'5;+-SMRPS+=7QN*GL[K31@7<3(^`/,U/6X\U<F-U]#<UY
M,>0XS^,_Q045*FJ!?V.YQ^GJW+[GU\I5S-4=JWF:HPNM6>."ES@V4V&N5]!X
M2;Y$*S;P`U+LX+UMM/9,4"5^9,=V+QIP+?H3=OW-_<4=BT5?&[K(.]U/!:+*
MI5C.TH`49J?L"6J;=/T2.3BGC8*5"57[6W(6._(1/1,8=BNI;^SYNA;R1!S^
MQ6@L,T]3V8Z%PAH-%"WBG5N.9RR?:9K5IG!>5$*;$0-"DIIY*RUZPQ"L=15Z
M*QR*XI*UI<3]O0L9ZAO=W*ZS7K</#Y>6IB<_!1S4BG$SN5TI\I93-\,5FT5^
ME0Y]RAPK:H/<H9!F63'=?'RB:'([#KLE7$*"U@W[TOE*R'N6:8[<B^>6(C9P
M<'4#D^E0!T*96,6T'6#I&/0G;E`M]@:J\FD*'2HJU"_RY"7^1I'4(:<>"WZF
M1(]_:PQ^'%'Y'J-FG'GK)RB.#?\`7HJ)H8B@,W]&B6H3TY?XJ:Z(K)#-I[?&
M"KD:;+1)A+CMO)?7UD+25(]RQ]CSJ_7S-\U/VR52=$S>AL5`Q9:?3;*;8T6T
MU:NC[0\-)EI$VJA)46R\("U%6HJC,!+<B/\`5EY+B0M(]8?<Z69S.\6C-\XM
M;5F`=Q2R4L196ZLXG3<YUO8/];!;#7.P;=^*)?L'0)9$>.8?'2(/>Q9$EM+;
MG4\"WFA'[?[[0>UNS<JN?6T$>!FR^93SEM:J\RL53>0`T]8#.4'8P6VOF"DN
M%7JI.?\`VP]J0$<6J.VB6I;WVI%4>3$*?V,UH2\T3E919X]->"6#BBLVX9V/
ML0V^PM>I60U[/;35IMD9523!8G=6)<_I:5$<"1D=_*:2K_'@6%K5SW0K-OSP
MIHM<S#3I$!=TSO.:.&)QZD#/:#=]'"5<W`$C(9&U-MUZ(`1;&&B4HPY`;:7'
MDJ9X^AMM3PEO-#3(]\LZG54-90%#TD[*L-I'T@36F(E3'FG;=/:R)OH.4\6M
MD$)!=@&-C@P9+SDO\=#T&8M+BV4,N/!:;#1O=0%F^BV"A$,DTTM!JLYN!8;P
M*DYXBLP'8E/HN@6=QN(3O`^T36:O3]!@2'>LCU=E/_)'C<=<3_D+:E>W'^PP
M2#`%I==PW2[%97<VLNQ4@)++YX"'VO*!%2NMI#:)*-OVZ5_'0EB_@DR,B$_'
M6<CK6RIV`E#GU2+9]R2%/?"O@81R8=R:\!VA@FT2A,XC9LLA!;:?SVZ5?.]&
MJ%=)S;U&=>/5FYV142.AZ.S^Y1!>=@_,CX_O$M(X>_LCS$&+&V)6<:6[5+>S
M.:S&TRG<_#!]`.A#%/!66NL*,7>'+JLZOD;?SCCIEJ#$D('RNQW7>\92^%C+
M2M?N*`!PHI.NY;IEX'<S7+-,-N#&Z=7I]>A[@8EU_**T0$7:V5L@NTV4P.DM
MR64(['$I:^^8\UQ:.="TH:X_V25Z?5-@B9#FEZM&D4>M:F5`Q74TMVOO1,S&
M7*-8K@0F*ND-C@NLVNH+8D!EO,'Y<:7"?9B_#,2XV+;SSX)&+]\2$4K:0A;'
MK9;>AGOI6S%+FTL>_<V87=F-7!357L=U0[7F:-5,?E=^6206LU+=92PRQU]+
M386KZG6>&:U7]KJ)*]5&LEP%4?N%M"@B)AL)&7<VJV;E@2%P@01!,C*ABRQ@
M=(2QPBF*0<0U\CC#:5H^HRU0N?P0>`/`*FW8)H%GQ[1*MEDN",OULK$^J5LX
M2>=9AUF59^)`R;<M+#K#\MRH0"#Q-J*VXTN6[$2PEQOKG%I%5*\G#F3>N/L!
MD.G8\(CMUL_FN9W/4X8V4!==H^7!,CT<3&M?$A\Q7>;%:!.F5&^RY8,.IU\V
M+=KCCO'OQ'%1U,#3::^YK]CS?9M"]@=E$TXG8[9F%3@8K>#&=CKX?I"[<>O!
M@",U+*8E@7-%AX#$7,L9%EXS"9C,9R3:Y;,A<9$]QU8*B2?J3+U^RSVGI-^S
MP?I*YQFI!X[UDLMP?U:186./2\*SG.QN?]!SFTF[%/`6^K$)D@G(2W&E=?3.
MXIR9*DI:!N+K0BAGU6V\UK^U2S)!XGE&M[UF]Z%Q0NDGZ<_4\XK*,PB:14)X
MBO2A:BW^SW*X[-=EH>[-<9A+&2.\A+C\5!54^]"N1_K7[IC&>EHYJ?*U"K9Y
M7S@>YE=ML$FJWFPTG.<B52,3/5OYWN1X/-AI!>69-.PE-2H!1]WY9+I*9':"
ML?Y5.HO4VA;-C1P]FNIRKE?8#8V:/HVED[1/M`E.=Y_*!HI[5JF&'OS4Z?>"
M^AGW9"4)?5^O`-*D/]^L='*25'RB@J3A>T7S2+!97H5SJ='9]AM.GV>69V2X
M2>:?$KGL!K$ZAG1M59.,R*Y5Z)7680_@?O(<(S"D,M_%)A1VG%0K:I_(YVT?
M-/8#*<]@)O$>XRYYZ$FJ5.@!O86Z3;A8?9)RKTD3,]BJX7&SES"\*QV&,4<9
MK"G4O_;.5.<@-+>F)CBU3\?I%_R_4SV&Y=*\0E7+5F:VY7-7EDGLWUIEJS"K
MO:;AM,Z>]TG?;`F)#B7:BVRKCQO8L,@T%E`&$);@,,I>527+^9<WJYE._472
M!9O1`#$$!*Q"#5#W95MZ8@5X]6[(RBE!\Z#1;=8>B5&ZJX_-N;4Q,N*W84(4
M))2(CKK?!&TUP0J;ZM;F*TBR:A4B<V1:)-LM=J!MV3:-)=JS\LOL>YD8<(I6
MV#;PN""DX_9:P*=8B14JBQ8_68W$.QFW/`JO'H0#!LP]B:?M.-TBYEK(+KQ*
M?I^FWJH.WB<9_CU+HR*\YDT!"@Q`U71D4[J6B'5R1_"4IR5"'L)6Y)2P[UJ%
M=*-DGWSUM]C+5K&Z6;'H\JF$KXS%FC-0C:R2'PCU/@X<.HI#(G\_8E,L!3YV
M^0V9T<YQE/8C41+OY;3B4-*H35%7P7\G"[R6]7<WR"<1N;A*-?LW)7%BQW50
M>TLYU`VD5<+72G[/2+"24X.&9^V\&CQ8Y65^2-9;B.R7_O<<6)7FIR@*]0_:
M`(0QX>B\7EFEUXW1#EICA=7(V.S1M`9HF%-630YA6^6-K]L&Y;*5:HT^-U<]
M;[!]UZ./>5)>^,:NCR>%7]=?<54]@J9AR@YDCJDXXD.G4ES,IJD.VYY7ZUHU
MNC#&;5*N;,@;8(DZ;2W4OE9ORO.**PF.D'^PP;7^PVDKUS]O[Q5[86*3#-%N
M,>AG0E($O;.3,<X8[GGJ=22+TC]$29`)FW:/FM\:ARGU+<&=/?E]<CR9LCK0
ME8_K^9,LA];=KK&SXA9K>+M=G"4:=PQ#NURU9ITAGU)D8MK-*?R*3GH8Z=`'
MC$*^W")*CDFG9W."5-H<(NNQ.(=!M4+"U[U[V>\ZG:;B*.%610TO+L>8L1-,
ML]?B"SW(?J7%'390(5/BC7T14YW=>(9E-R(R>$7?JWW]@[X(FJ<_KR9GM9B&
MJZEJ.6%JT%?M-1!E,MGL<YH\RF#<YL-*WN@Z':;F5KC,AEB]=L%`K[T"&QUJ
M6MJ3&XSU#+,QV0@(M)',Y'T:VW]60M0!V")VN0!L<AB^]T6R.E&[@9]+\2Q6
M64Y,[-^-!$M?::;C=F<;^1EIUJ=SO%_;]@MR_E_S/R>]0?92717T"[+I/>J8
MS47VLD--CHM[-`BF]O,6JB@HL.^(H(N;6#MPJDJ!)6;4[,&UR/$?GO?CI;<!
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MS\9+F(Q`*_\`D.QP#K?($V()&ML$8WY'$R9`RZ,KSWYP75MU"4$9EL.=+>C1
M-5K9Y,.W@*E"Y#T&@R:U!;N?3PDPX?S27.4EJP#AS?"LF`OJ8RN+^O@1:7DY
MKM&(^R]3LYXD5T6\_P`KUKV4$4B`P+M$Q=*L61Z99M1@W"P502*-%3M=LV38
M1:F76?V$<5$B/5&&W&6]UIN6N%K'_8;9/J3[*V&&<''I]D%,,,&94Y;>^7)7
M-&V*)G_L&/&[5"<%&&I5:!&K-<Z<ID,[V.F&^%;=7#0D=$<>HJCH/USQ#7*7
M[!W[0]'$/O=*52Y`INARM(EV=.@2SFN3[C3?U%*?>=9I(ZFYX]"#.I0U#^1Z
M'\26W6&6)#@C::X/H#X,CP!X`\`>`/`'@#P"IMS_`->_ZJMW^U1,HU0OQQO[
MV!![-;(][^[&?JI@R4,FC2@\H,-?C2HTN+(8E1'V4/,N(<;2K@JK7CR<RXH3
M]0(U^L`RD06JY8Z..!9@MR]:`[.C,%]T:;TTEGU?KMKT$[-C7FY_@PR9U:!S
M$HV_\/WR9KL9Y,85W4Y)4]@WI;1>RJTV.S[/"=0JN82Y*`^C$*#;JC3\M#%L
M^S,K^Z#VT+:JT'#@;5.#-S4R&$38Q!Z+(<?2\I"@K(S2H;U/DF`63,,5DD7W
MM\?<8$"H6U_AH@W5B%IVBMZ+&*U^RQK*#A1;.W/(BS@YQOG";J/B>XK[/M#G
MS]"*TD!Z$0ZP:DU*UY+(J)_/S&+3NS=>=+A(^=Q3;E&L=*"LV&Y38M:#D+/'
M_#(_KDQ>D2:&UR%O2.-K\#W%HM9UZO5614B+Z:'"FC#<UFJ$SUT[,GR[)<[3
M(<GMH(GK!*EV$]:+E#>2Y\[DF3,GH<1W[G.+3X)R42#R#T?E5#.["K/T5ZG%
MTE;T%.6JTVL*-%0Z?/H,)@3<BY2Z)3_$QLRHU]`H#.=D`XOZB*F/&9_':YP6
MLCWQCUH]=:G)T""<NF<:27T:"+DH!"23@D*`S(Y7AL>M`ZU7)NA74K!K)D13
M4OQE,S4#%,0N(&QHD2/\/`;;++MV;^H.AW$K-L)FFRKK>"(E,V.$V(S62I>S
M5FOQW1IH<)JEW#_CWR#2$-QEEH;+9ERO=_$=?4/5UKH5D84O-?3LS4&`]>(9
M"*&VWA^GTTB"M8)R"H]#*URX3!]6C,F_UI$I7+#011)<%CBO@4+1Q:$M<6GH
M>ZI6<')_2/)LYQ&ND)06;7KO+'TVE;&QI!N,Z1L5;ID`[#.Q]<C7EHP!D/#,
M;B0QC@\ISL7D5@=$^.,I37@5E4N*UXCZGOOER=L:K4"?8SL?YS4O4+""+1[4
M^<K5?0]6C3%Q@$JM9R=HHD"(\Z*>AS)A.,XAU3DAZ3QT2K/W2!OJ<-"J2&'9
MM3XXG/+%--5`Z3""9E6S6T"Z:'M#EIJTXLZP%JY$12@C$ER2VF)QF*US[N<6
MK[Q>3+H=1]3\J>:Y3RF=B2#0Z(&5-):-RP')(S7451@"/(EK19RY@G'NT.@!
MHH5$EYWCT(5'C0?I':2WP3EF@`8AZ71RU30%$Y>1/A[)5*W4^OW7^1G%6W`@
M=Q%5BO1W"5D)$2Y_,:Y>R\?L)WK[\*'*ZAY'&VFN-BUD:VO5'U!KM@,^K=;@
M!HQ)7:YJI\+"NY>41!&*"4IR*)'EV-=M?N%7+UMD&+<`BT/1F(HD?]D5M$5I
M3?@5EY,&9FGI`)LT(G*@T"%_#JR$6LPJ_O1J%3H]+'4"M53IN(JWMU4-;GJS
M'"1H,V3&21G"1S;77UQV$(\#W4-^1P+T]N-HD0Y+%9)W`4.G6N*.&ZS9XQVF
M#;8:1<SELJ8T1=X\O/6;J1DID$R0EN!TS'6EJ4Z_'[QOP*R*RSP#_7]H;E@#
MY]-I4L(*!5:]*8"ZD8@4LC68V8R*HB\5T0/O#0A0A&=G'@UC)-Q64SFEKCE'
M)'4?X%=R\EV!,*]4X4SEX"@:0M5NCSK6+,MVV80#R!1V)80Y8G36G[!)"!ZV
M>[K!!4Q(AN/`FSSG9+J5RGFW>C-9&N%9YZB(#&:\*,4F0/UM,$,OC>N$YY(X
MQBTB5-&@Z69<N<@T$@Y,03(DL0@4B*R"E*>?2VPZMU?0Y-Z!];_6@W2+<-K-
M2!&J+K7Z><;?#6P^5&%HE?L,VTUR/5S4.Q2%UH#7K5.E$!T,(_"@P9\A]YAM
MMUUQ2@J_7R>L;U"]<HLF-+;S*`X[&$.A^HEF[5/BSOG:*QY)XS!G'9$(]>)<
M0[.8>L4UN0>>CS7VES%-O.)4%S#_`*C>OTEV9+D4B>^5(2RA"?87;YHSEJF$
MBI&DEOVLFVJMO;*^6"S\W`K#RE2^R`7!4=(Y<5#?$^!<R;$L*RPM4#%&(5AQ
M^OGCHFU%.\L%G8//6L"D%P/;&;?'--6Z#:ARZS!<:)QYS4Y+T=+OR_)U2E!5
MD'&>G_K>&.AK&+RX9")UZ'7X8-#)>S_J17*PY2'!$V%7U&U`&#*%9J`Y(G\C
M?G34B(R9+KJ6D\\"K)W8,+R6U$39>PT@44)6-\A*-RWW)R72$@K6:W32#KWP
MRVT\5*K%/&PU?;Q/T:B([SZ*^Y2@JR(C?5#U[$].=AYF*_\`QB@V4033+)6`
MBA("W#"08[5Q;9$O*0!J+PTS,:CB('(PR#^6^J*PRIUSJ@JRFX'H/E+NF6.]
M6A;QD-+#?IJA5@Y+0ZW+K"Y1(*3,V67;O]EES<Z[G'`#+4TH,X#<*,OS/V:)
M[TQ]Y0MSI0]`WH9E$/2#ER)-1_XQVLQ:O1*14>W6C\HS;!6BF>V*#8QVAS)T
M&Z-S,X%\;*@&:Y(<0AY4S\Q]];W@7.AT%9_7[([F?$VBRU5TF=#@P];:G*LE
MKB]*!*X838:Y`M,:"<C1+HW73_WSAZB[<Y<&6\\\PIMQ]Y2Q$VO!$+%ZA>O5
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MIUF,W`D/3%J:<<:A_+*"WZD7+^X6[R)D^2$1E$.=(NRX%0'D21KM:'T$GIGI
M374HTJ.B!TP[?(H+V%F=BS8,Z$,9Y]RW8TCBV>M!:OU_,_5A]\;Y8"-H@T>%
MGS%4KUF/I>M7[0Y!,V;/)6,>S%QK\BF1S81:0]VCV;`'N)D$H#X^4T]SXHSC
M2>NN!:>MC_L,O82*BM57%TW:^A;%"HIT?VSR5I5;IE-TC6JT#5*@UJ.TDI?<
M8I`LM'D+:C0XCUHC+=Y^,POK@6K^1>/L3[7WS'+&3"U[-PQ^,S7L/;@/DC)O
M]JU>-QN^AUH5"+!0($GQ%;`#<UE*=>8DN29I&=&C--H1Q;W1%%,KB?[_`)NK
MNV5K1,YK^>EQ0OMC8IMANG.%AE3_`/;MK&Q0[`<M,0=(IDA!>Y93/KG(L61^
M6/=C2')+?/HQQX6T@S?N/MU27?3"X%#M5*"5^VWZ0V=GG&;A4Q7_`+G+[2#I
MA<<1#<[9J/E>;`TO*&CHKAR7V.GC7''%_'T6U?S_`.1TEL_MO)R:Z5P>H!79
M5#M>;C;=5+9-.3&/Y?89ISO"X"'^*/DQJM%JE%94>7)+?`@K&<<1$[]\&7S@
MRE4IFY^X&B7]J_!,A3FH1='M=)#QC!"]RY!:X32_M69QX3(KT46`(17,^FBZ
M'+:-D&U2'TOS),6,CY(?771;:<LGFG>ZQ'-<"I&J3ZW5G+J9)7U@U24F#CHX
M@/Q^99(FE3:M8>!&&(<="*VJ1$>+)C<;:DH0I#S_`#C*W@BC5T]"1(]IKS(R
MGV"M42A`7])Q71)-6EYRT:G/]$U5XL'Z'MA<PW$3#M;\K/R*K,W"`*DO36OM
M%L?0G][20IROH4%;/?E\]:'AM&='F::%70[^*MM&=*HFW0&"M=0$Z+1_T]J$
MCYLCIEZTM,19,=I+*>I4S\BW?NZV+;]2RL8]U;K>3>/,Z;G5<RJI:E'M:1=S
MG6$C.'68S$J[%WK(2N15C8DX`F15DSWG)YU$.%/6'E)AKZKL=#HCBN:>AMM6
M]T#V>;1H^<,9ZPNGYQ4!,@U?RCYU3,*W6^N.FZ0Z^,$!ISL^JF3:HH#B8BG2
M3A67U7&T1H[[J04>*E:UKWKUZ^#8"ZCEN91B,F17:Q)[9M"/M1(]P?:WN5:7
MU(`5,W]:^/B80]^&EMYZ2^^2XVYUI,53CXMJ-H+]U[NHD@J-HH\S253*O8;4
M@S<5/7$2)T*QY;3*_7*")"4J(-*NCB>A?DKY/E<<=Y&4REQ2I+:H\%J_F>N5
M^]-RNECST=:JEEX2L6^]5:J$+I4KZ7O(P9,TK+<TT3,J<[!B5Z`2@VVP2]&6
M.<G/M]"M.C6^N.LK*1&FZ'%?<V5H]V[N.T@Q0:]0:"161TR1E=*22O16*;%%
M:]LN-Y#8C^F!X58GK!@S2M>04`IBJ><EQX32'%(_/0N.):J5+$U/VH,T>\ZS
M6(47/AP_,A.:B8;=I,6-ZZ7+1-@)"QU&;`U"OAI+CE(=G$N#NSU2.?D%4/M*
M5%9BO2.@EP<V1/[";;<*W"-L5.G`@IZ!2846-6-+8(Z8'L9S(\XVB<8GBIM,
M)@8V=_B6U\(U-_[[S\GC"TI1^1SXA;3#N/O3I@BG,50QW.UW^S5K?(98WG\J
MQ1%T"<'C^QS>4'H*;)#?&39KO<%FHEP?G?E\D,O/K;88:1R0%J_D=);#[1VW
M+C+U='!:?+1#R?*['"*V,G9'"UDT/5[G:*G6*E``U\#(8;A*BT8C*D3I$Z,T
MEQ;2%?&UQUY`B2?]ISY$][-&EHAW>:'I+(&R2:HO/*T/MJX4$3`TC"_7*]C)
M&S&I5<*N/"*W8]M5(<)B.P6VQD-YQ33_`%*>>"VHZ%Q7VY*:#IT'/[R$I5+C
MDZU<FZL<%VB98AVF77-=7,97>U4DCP=#AP*U!G0(4F&P4_'*$63,9<5#[;4A
M:1'&BJ5+J7]@UNS<[["2&<.D6&C878(M5Y-0>EB[%9K$T3SD=+$#8+X61%F$
M3D/1E%1C,7LCXQ`"8_*4UV3%3P51K3ZL6KWNT@+%8DUO,Z%H$P[J]OR^JUJH
M7<L2.OR\J"6XK<I1Y7\?;@A.Z,NJ<<IO7%?C+#SF"<UY+75-<"U$`B^Y6MT&
MQ?J(E?+;*9N-GG"@%>FRT#OUT*L7GV+F%QT&4-&OL,V<_7:>/'0/RUMP&>05
MOR'4ML.?)"VIELA?=/33-FKE,?HN65TKHEQB1*.>-:`>35QU.Z5]@(;O+<_V
MJ19'\\*0_7V6J`/B=[&=>*<1U_O(#JI-):O)ET3W!NNJX'IFLSLY+YT,#G*+
MRCDH1J,S.,@;9:18EZ%)58*X01!LM96XN.4_\!Z$ZMWXXSOWI6ML+:.AJB/M
M7J5V]<?:"SM!*U0;G2\)3JV;$JO:2!A$<=;DZD)J35@E%ZO!2.L$`KF#S\MR
M/'F1$LS&TM\<6RO[Q$E5?Q,*7[T:A%+$JQ'R_/"MMIYURB6.OQ[^9A$+K>CF
ME:UEU/3E$*55ER2H"&7R[DPXN7QMZ'$GKXWQ?8:E/BVHMGU<]S&?9VXV,$"I
MT<6`#!)=X'GVSJB+A;-;81#LX3</P^#8J(J=4&0[+(ZS\B^0^@OM2M[Y5*;$
M<:([E\&1X`\`>`/`'@#P!X!76LT5W2\^L%(9)(#N&TC$I(N15341OUYD<5[W
ML9+\93ORI@]1S_FGZ=5]?\_3Z=%7!\]W/ZX?J1I$Z5<PIZ+7S`A-A!2(5OJ@
M\Z!8I^1UV9,Y-I5N$E56484R1B9`_(<>A]:G/,NH^OT=Z1J_Z%E:MZ:6S6?8
M!&I6#1*_,H\`K4"(>FE:P7(R8@P%9,:LI.I/1>66/3)@R<6RB1,X0D"WRJWC
M/P+>Y$@,-."*5%0\,>]*[!D^IU&V-6^AEJM6KA<;^YQ5!EQM!Z6M6=SLRCT\
M19^6-P>'ST(%3$F,Q$Q%K[+^9'/L;ZCO`<JJA#;5Z%W4O4K\!`Z#0P,^X]?K
M*Y46E'1R"F;NW/V4M\<'82E=M82U,3(I/?HDYU`R?"CS95<2P[](A"0VV*I$
M?+?UI<FD8,]Z_CCX\7:D-C*J2@VNLB(>7G:E-1>:BDG2;<).J*3=5N-GLL.1
MQU,=+!=(]UI7Q)E\"\O6P>FW;$$]>`1*W"I\3$"#,LFT2J_)T:WM-;#DNJ=8
M[%?)J9@?(C,>Q._?R1SY)27?I_VOL6)=Y*9%>@^DU"0F31=-S\4@0Z%,#@Y*
MF6<A7K3<HM8LN>N7"UC6KC%<!D`.=V98R&R#=B1R"(D3\U/>QT*X+<O4\IW]
M=]K36L_IH75:W!KU=/1+-9TIII<5(-6,79:&:AV5#=>M@M)DM*#4K]0IHTLC
M!B1W4/L,_.TGO@7H]Y_]=)%F+91-:O=,%A;YC\_#[!'<S]]F14JV0Q3),R>M
MN:NBK#`0#MRS>6_ERFU<_'GP9;+"EMN04.O!<3JT>EUB*XIFN>UXIF`>R5&\
MZG=;"BT@+OI5*,3M>H^KTBT3!K-KN:[1"*M*U%TFTMR8XRIYEV+QMIF1][0E
MW)`&?0+2!9(*X&U>GMISXHA62VN74[+V^U%LIIE]T:R6TO-9MO`-KM3K.A30
MW(,F'P.0@+>5,;4J1]K`MR,>?_6N\NGQ`PW1PT&PC+:-N#)N+52(ITPY7:=A
M(,%63A(-9(5@Y7GBV)H<D]8E)>1'G<XU]'8Z5+@O/>'_`%_7.O21W,[NM&S,
M<'+9=9:_'"P]$LTJKWZIUN34;1J8J9<KF7=GV<E2ICU<X,F_,#*"%\7/CJE-
MH<\HN7J;O%_0@[BUGRFP5JX5F`7H)Y^#9KVSS1#%OT'+H59K=:@TPF'M5U-T
MT8[98]6@.$W(\7G(,F"R_`ZVO[^=!RJ>AKT>T?\`V"5OM7ON50Y@BT7^R4)1
MC-3<@L1=U+0;O>K&SIYP9<Q\L^W6DZ'-AATP^1><3%96]W_O.H2%RI1F=3_Z
M^X5:'Y6/FVNKF6Z!<DVX[UR@QFF[B^S;<7LL7\UAPK)2F5$9R)##3KW9*FOG
M:ZGZ<C\XJ4%U2)^L7JY>L4]A00MX5'/9_G>8W4?)T\G21==*G+/>J]Z[`FJ^
M%.(N1XC8:K%C9/*ZS'4/A_KF&6(KRU_!&7(H;37W/X7_`*Y2!_.&ZC+OM1"V
M*'_&842RUFD3ACDD+0\HL>:5@9/>8L4<VW#,/$HQ`O'CS&VU=5*:C]0IU#R`
MNY^Q*M(]/YA^H^K&2"HLH./K=OO3NM'JQ-*E03.>V2`<T"V`/V]XL!"VK=M&
MVCZK.A?=V8O[QJON0S'1]&Q+N6RLX'];MYB5BCT].J5B,"!2!\^SQD0-))H-
MV*NCJW68%TBLE=$>2HI:*75(`V:,GJG!A2(B7(#'Y#K\A8MZ_F?33+JE/H=%
MKU*FN5U<>J0&*^$15PCM?%L5L0TB``C]%N3I[3,YD8PWR0IGK4=;WW=:::1]
M$<&'R3_P!X`\`>`/`'@#P!X`\`>`/`'@'Y6I*$J6OOVI0GJE=[_Z)3SO>]_Q
M_P##G/`.,^.^CT4IH-\>+89,19TYZ9NS$IVF$02RL6K7'4:/:GPG8[T9-LL5
M,N)$LS/ZVJ<2@K0M"EIXCZC7N\$W-Z?ZE9T##ZB=L^)TX%KDI987>)?\5$1[
MY+=#S53"SAKX65EW8X"=)[+DOK5^/$<>^=2&^N>"4D^#$D:CZ@2(*R$^Q8I^
MJOM+/VF:0)Q:TP,LM+IHYYFRR3<Z?#;ARX=:$YZZF7&F+^6+&`N\6VE$!?PA
M27W/R*O7IZ50">%S\1>8TT\>L@F2D16&(UGM=2<-(/F9DIX>TPJT!WD$>..R
MU(F\5R3SG>]X[X%)'XBZ_P"G6DPP@=FW8?<8.C6Z.'$B)2*P5CV:[58?6_UT
M9X;-C.(>.AAY(*W#5(1QU"9<!MGOU?BI6+22^I,K3HOKH7LUIR:Z67+2UF6,
MKT2XT:S.`",F4,(&`\2MC#HHFV\S-1TU<Q_P1'DK4TX7C+^Q/);*G!*/R:<=
M)]4K9/N57&Q<./3(<$7?=`$LB*9.;CP@,@G70EKN".PUQ6_T[]?F1(DJ9W[F
M.0GD-J2EE?VAR161K7I-?^TB*1M&!6QR\3B@:C0R\>HE'R\[^2`'"L(=#)1'
M7H_95NFB%J^]+:9!"4/5SJWI$7JQ:2^YLIFT>G]IF<L$VY8M9RI<%?*4DFZB
MNGS1:J56"/-W^MMN_BS"9&J0QIZ%+EQT_?!?9(QG.<<3*8ZX)27CDB@S;?3V
M3;*_7ZBWE!$G3P-=GQ2\,33@`?/Z!?A-ZO$$P(L)QH,.2&D+RZ>_.@B'GI<5
MZ-\\F.A++KC0M)$I>VST[O,>B`)]WQ*RQK.4)&J$#,JK4UEXT)(SQQ,L.&%(
MZD"2D0S(?C+?<;8=_+D?%]W77N)6%)?<F8MWUSL&0V"UCQ^52\/L;9R\6HDZ
M"KK&>G6H<E<X];[`W,@,AB;?SB?R7B$E"^.\92]\BN<2OP3FOW*>SOV/]0K0
M\1N<4EE%.+G;#?X$<V834PYFW#,.*%`I"W/$E-,3."!#=,DKBJG+;=C-C'DI
M2GL1WC8M)>#66*U^C#89+5U$X;4Z8E\$U6S12+2:W$*?RWD/2WVH4>`J'8J_
M`F2A;$XFB>Q!CS>\2M[CK2_JH/=Z5J7:+M7K7L!6]$1L[)M$-4(48HN@$>Q*
MY82->KS\PS#/U8Y.DQI$ANNO$P1&-,BJ6J&N7!E,N)ZZP\A`G*(_7-I]2OGI
M%<K-TQV%*MR)"*0!@=`"I$Q("4=KSS4,7^/$<'=&S^$!Z4.ML]3(<=CIY\CG
M4*"DC6T/V`]<KQ7=:N@`C28>=Y):@=3+Z(U^C;KA"6Y4,]OXF8'FQV_D5R)(
MMPUB$C[?F>G,LKBI7Q<=2A6FJ?4YPQ6]^GE"I#%ZJ"1%SOUE,$]:$QK`JCE-
M/E1C%D'XZJXUKH<.&%`QY$*$CN]X/8BR)D%#DB1QY]<AY8KN;IZ'4<76O6MF
M`7TXX2RRK%R<J/$M12?,I,RQ22='9#F!`TL8!R":SA0##."Y4!EN1)=8_/B\
M9YQQUM/1FC\&SF7#U;TE-RLA,KC%Y9H=&'O7JR%&JG88M8SNX!8M]@,V`Y.9
ME1Q]7/@$1R_&'7N,/1NM25(ZE3:^A1HAE&F^G(]^VZ?4C.0K_P!@(KDDT>4N
MLI3&$1!35``UR/V1&8D@:\T]B,EO@I7QLM%`\Q?6DOMN_:+[O!N"=[]/A,?/
M+V7*8:/:U-1I[-;5.@5..[<6[9,CO64A72CT-,B;`/S#[3Q*6A?X\CLU+LA?
M>.\4H*2\<F9/V;U/N\R+3R]XQJTOV]XK6F0A>36R\4XYG9@ATB'D-$&WX,AJ
ML6(;,2VV]WXVR$22EKZOL/<0%)(BN>;/ZFZ>Y>G:X[DT@:.)C\W=,.1:G^'=
MP2ZMF$",S"XJ.E^?6([VQ"ZZW'?3\77I*&6T]9D,_()1_<BA#6_02390,1XM
MCO#%0$\LU?-"@<>*.&",8ME?!B8HVSAQC`J;#K%RM<!L.,:D/-.SW6^PV5NI
M3WC@M)'09\S@U;MM6.65.>![MIZH`RL6`J($1;!:U0XZ6!$!)V1"3->^)LTF
M/#;?>3]7)G&&N=<>XA0G/\CFZ^>POHN#S,EJ$5W"]`#EBE;##X8$?1R4R[GZ
M7#!KI@Z`I^)UD@NL"+,.<$R'>_C1(Q"+V,XA$ICY!4I>"][Y;_6@-+L-=T29
ME;<NFP`.B60381@.;T`VL^Y&JE@GQI$*2B*9E64TO@KG><G/RY?>QDJ6[WJA
M%7T-8]I_J;<^&JO)M>)6A@8"!W(X'E/5(R/C@64"+Q7CDUA]N1`4S%1>8!>*
MOOU6U^W8E(XG\I"UA1HT(G=?58&$-3")C*J'(/A@6K:`!Z]39#WR6^6.9"G+
M9,JCA4&;L!R9)B]C.<DRI,SBFG6NN(ZE?@M)%OT^R8[>UVL'1IU&M+02,&"6
MV-7611,6U#)0I)<,(GR(3+@N=&7")//(C\6XAKDA7>I3USOW".J\E:V':O4F
MLEW;-:;ICP2PT2VEZ@DV:2"@GJU:[)",E[!`'SI<5LG#=.#JZ3E3GXZN,R&!
MLQQYQ28LA384D;6C:_BY39+%BF;\JTJT5&BQI]K?J2`K<4!`KQ_M=$5`AP<A
MMWC@N63E\881]S$-Q$EGOQN\<1X%'2K\'1'@@\`>`/`'@#P!X`\`>`/`'@$+
MNFD9WF\8?,T.^TNA1"TOH\5*NEI!U:,2GI;^7L(>^<G06IDOC7/NZVWU2_M_
MS]/IX%&_!O@1X+:`HJQULL./5\Y`BE`QH1,8("RHV:RF1#(#YT5;L:9#E,+2
MMMQM2D+3WG>=[SO@&L-7FDULU7:W8KA5@-BN$A^)4@!JP"19JT2XJ4+DQ:Z*
MG2V)QN1'0XGJT1FW5(XKG>\Y]>>!0E/@&G.V$#6!_P"ULAD8!%_F#1W2)>=&
M'0>3C!",)%1%2I;C3"9!$G-9CLIZKZN/.)3SZ][SG@&?#F0R,.*0'RHTZ!.C
M,3(,Z&^U*AS(<II+\:5%DL*6S(C2&5I6A:%=2M/>=YWO.^`:$]=Z75B->#V>
MW5BN%[=-<&U06>/BA!&SD6>Q^.P*]!(2X\DU-:[+:^YJ,EU:?E1]>?\`+GU`
MRU6>M(&],KL(-(?A3]'TJHM`2-X;_??Q;]/V=V1R+PI_)_\`['?C_=\WY_\`
MX_V_+_P\`SVR0YTC*$-3X3A:##@D)HMN4PLC#'DWI\<;.E0DN=DQX9"0*E(8
M=6GB'5QG4I[WK:^<`S?`'@&!.*BQ?87"9*`.Z2GQQ8[DZ9'B=GDY?'.Q1T+D
MAQO\J?)XROK;*/N<7]O?ISOT[X!G^`/`'@#P#6&#0BO0%E#I.`'&MR(,5R>2
ME,PHB)).=&%CHZI$A;;27IQ*8TPTGZ_5QUQ*.?52N<\`V?@#P!X!%^W>G<Y+
M5VT`><@6B'2)O?VL+Z1+B06/;@U>1WYO^R>F++1>-Q5?1Y?9#?T3W[T_4*&X
M(EA8AN,Z6)#Q;4PA`$PW",R/";EE"DEN$,&QER7&DOD",QU#3#*>]<>=5Q*.
M=5WG/`-AX`\`>`/`,$83&FA\(L'(02PHE&9FCB8R6Q/'SX<A''&)<*;%<=C2
MHS[:N*0XA2DJ3WZ\[WG@'APZ%Z<76>%A_;$V*;.N`^2V.ED!7ICH]HLJ!]_Y
M*1[DYA;*7OM^/KB.I^OUYWG@&U\`U/[X+^\Y6?VP_P#D7173O`?Y;'[7H5,S
M@_I7\#[_`,G]?R<KC/S?;]GR=^WZ_7_'@&V\`>`?-"3_`%E9NO\`D78VAW%C
MAF#8>08[L,4N$*,HUH+I&4%NIA\'3Y;>/UH"Q3X#*9+"I5;4XVMU#ZDO(&KV
M7J<]1JN>S[/J%TTU7(E$H^BTU*:?7HXH/.5IH1(JQ$XX<H1/2('_`)*G926G
M)DM;CCROF==[WJNA=S4IV]^@X'0;83>F;;9D")J]I*IIBAXPCT"4V56_,V&9
M74OD>00T!+?L(]V7S]>Y+(2`X_KDM#/RQW`N,_3O0D7?[(6/S=-N$JN%+%=;
MD3SU$:`AAXO:U6E<IBI%GYB!M4G%8MF_"G$'X$^4^Q`@I0Y'0R^F2"E0A6/^
MEMX.7D1NN[EQSF@P=!68[63-;!SX\NF@!N+LTCLZ!2;6W50-[!V?&F"<>8U(
M.Q6T2$=4U^0VSV**Y<47@M^]^EK=RO5HN4;4B@2,0MB]1J`'E4#DF:GKCL?,
MXCMGGD7ID>9::PIC+H?T"._C?14V7W\KO/P^0Q%*A+<]]3`=/S?4LZ/W4[;V
MMBIQ*HW4W^M#UZ:X@XU<VS9$1%@,R(8YZ4J[R>LMJ2\W'XVWS_G]%?<)7FI0
M$_T7O)_4DE[9K/#U5N%>CO;.7BT\&#)WDM6[5B<FFUJNBHLQ_M"@1*UBT%J9
M/8?F.27'I2DH9<7$7#&KD26F_P!?@6ATIRKU72R=;,,44]GL"WUL"^%-$@,Z
M?B+@=R[R6[1()V,A&`X="#$50989F<*GR68[4#Z,J;$N,9O^NZM2*JS23&H6
M"76UU=`0E%&UP*(D.E.1/8L>LN+>^:='%0N0O8N:E$%3,E*5BXRENN<6^ER4
M%W-2PQ7IRS^5:;%;M)FVJZWLY4++<BZ:@#$`"Q>EZ'3[P*:C5/D@@Q#"/0:(
M-&2(CDF1U]I+KRG.NN_\:+CQI/J_8A>+:9Z_7#5(I[-K4%=`9]*#"7!Q*A2B
M1"R3B0L&/,E;%#B4ZJR9(V%7@"Y,YD?`%=86XIISC+(-\U]2#P_Z_0ZK9.OE
MJNU?T2U66%<_YIR]9;!+U(H:L)S4+``)`Z9&M8\.(B5Q_6BD-V/-_;N$!OV-
M]?9D*>E.BW<4*LTOT?T</2/UV2:!9[YH-TK)W(K5<[2[590051;4#"URS-E6
M+46GV)0P<W68#<!Z/(-FA\8>F*M$U3KDA`*2]3LD'ZRCZV)TF`"O]M"3]#SD
MYGS5B"_@C#U248O>Q7YFT5R>PUU;%@$E-A?Y&<5SO$=@,N?_`#J7WHS4J&J>
MA-9#5:PUL]?BQKEN(#9UC<$@HE?ANMPM.EZ6_!%1I!$^2A1I4F8J)QR3-FRD
M(YQY3SC_`-5]%N))4_5QZ!FUUH<K:5V:YF;]E&C#;DU4JY!;JQ[#(V7A<]9D
M4X=/5'*C69V*PU%4/26G)C[LQMER&GC"(P5YJ5W5_P"O6J@[!*-$-&?LYHB+
M%2CY0E58#)]JYQ"SSZK76.P33`"J0#@'[QDJ%^LE..,\7UJ6UQ;R'`<C-LG]
M>%+L'9TCF@61F9_%,]%@FI`Z&Z&$W+/=1$Z6S?I$$;+#$YY&S,5*O@BC+4Z'
MUP.%:2P]'?6I_@7%N"/4FHA\6U+%H!A8<+IR`[O7JT%@B(%.(`\RSK.QSE7!
M2GBT=(R(]G$8BB),=E\4IY;#BW&_\]$NYJ5'(]"Y)`A()$MK+.OV\R_:=91$
MH@"*Q=+0R:U0V"E5]#Q":JC!1+VM36G(:%3W9;4.+U<GCGY+DD6XGNT>M=NT
MDOCE:!7-NMYW7<FU3*-/GK"BBY^R5*[L92-6`#M35-(!$#@RH3/J49^7\!Q*
M/_'>XOGV`G3^)H;)Z*@++$CUN5H]@8H1:O`:WHE:8!A/V-NA4G0-*TRA+%65
M7.RJDZ&M&I3^S>MLR^D8S+#?.Q^\=6\%U/XD?<]$3)(A!-6/>2Q<U-L86?>9
M<;.JR(CV>K5R9ZZS1-6%0HL]Q-6?ZYZVBD22"5RWG&R,WC:&5?B*BA<;R;Z7
MG9E'KE"DZ_!,!J;FI_'JJBRYA#G_`(="69S,UG[T_H6WUN2[?LZF9G%<BGH+
MHUYR4I$IIF-)CMN^!<2G2_4>5I4G$.EMFO,F!D,"BQR48\Q'L$B\F*#;*7;X
M-UGN]EC1L"\'IU/_`!B9%<.8MR%.?1%3$<5UWH7>2LRG]>PI8UB#6]=L=>>D
MT&LY18YKU5KII9;.@=-Q:JSQ<"/*4Q&"&S,C#!<K\_B7^1TRI326%=ZP['@N
M)[NWII$W"]E[H_H,JGM305,80#KU?>CQ3UISV]5F^4NP:;(AV8<J^PJJ0KBX
MXUAM`LC`BE)R&2*>/-\9H4J*AX0_1JC015)$P+#*!Q:=LU&UW@^L@18D'/A4
M_,Z)G4[,4"I3A5<//K,YGHXC)8Z^])2ZRAOYEH1]>A=_N(1(_K[B-TM6?"]<
M*IJC)K,]!@#S=3CD7F=:S:J5;/T6B61"V&L$Y=5LU&JC$6:$0\PXW,6J5%G,
M?X9X+=S4MO*?6^T8QI\DY1[E61>46(<)@V7+`U0DUP)#=J-7<K]:+5L8R>*B
MHMJ+N2&DFBJ$153!P8;&6PZZVY+4(VFON57&_K]'NG;W8;'LEPLA.Y1[0,21
MGB(+IA@58:9[`4J,HP6(3BDDZ:$CO8"7QM]/(</C(F&RS$8;^;C@7%RXMZQ=
MQR_%+3&T0E8:V@#;Z_3Z;+K@>!_&HU]TB;JUJDS['%<<)6.9(M9-]$;JT1FX
M\'XVU(=>2N0Z(W5'5G@@\`>`/`'@#P!X`\`>`/`'@%#^P6>D='K=&&"@@TY(
M!;9B-SFLDOUW$1:_3M1JUCLTYE1+Z-J>B@QKZ^-M]^5[[?C1Q2E<YT5.G]A\
MTZ[ZO>X%&'XK3JO:M-J^?`Q.92+7&KVAHN9FNZ0T%$,6$M!@GMDH0WN<A)`A
M^))"HD$P7$SD.QP$[Z+6R-UC_,[-M]/TRJ[UK&A5O(V]5=TS)Z=7<[MRK!50
M[.:VB@Q[_*14[<\:.A[6#H]A-GXI!DE7&"<Q,Q^3\T=OK,5QP9XI0Y<SO%?=
M"%`>M)65I:;!4S`8AF5-M.W$QP*3`GWZ*2MPB["AVO:XT3A2:H_,A,N%3-AF
M0H3O.Q%M26V6V!6X^%X*V5Z_^Z-B!0QUNKVM&4Q[U2K)F,.1M@P3`S*17](I
M%VMQ7114_=-'E7<?/A0I#-<CRB]KDP'8*^\_6]D-]X*G$GP?#_="T7IJ#<G=
M&JM!=@58;;T5C<3`*$;D5*L68<(+`"X782-EBNF7'ASIQH:+J,-4[_L\8(-1
M_P`]<(VJ<>2V=SQW:-`H^0!BV7Q]2N1CU*U?%+Z5+G:,P'H^L:5%P5;%WLTT
MJ6C$GQ`@O22DYR77(A,@F1$:Y'9YUUMQ()K_`&D1<Q/W0B&6P;5KN!&EQ3X^
M^K-,Z*$8.3K'`]B6@<@#&'3Y[L1FOD/7I"K-R,_]T/A_O&G$=D?7G:*Q_F5[
M_I_W>72A<.4-UJ1&%5R76H<0/ND6M:C9[1#YO"<ZUB_&GM;L44?(A6*RU\I9
M@T.QDA2_JPN+#?8AK#L0M8U.E\?R?VGJD38%6"Z&G[;><UO:@M@L]\FW&M#-
MDDZKM#U+-@*Y/FEXU-K4//2]8^V$.A1H:8D9EAUA4F.YSRD;7\CFVQXY[D%!
M/(>>"O8.A%7\[_5A)]L]F89[^,S.T361FG"[!+YJ-F78;K?=),@B=;.\:?X.
MCMQW4.A4P5PG1:Q]:&XLWK5[-#;;H)>D)T9TS.JUFI^<W"5N)`HL/4`>B[J=
MI@@D]:;Y,(+.."[^!<'$'HTJ;':AN-/RF>LH0Z)5>IOCN5^Z]5?LU/S29H4T
M,<+5F'G=O/;'"L<7/802U![4?.WB7=;80NA^&>_8SHK;##!>0_'85$=;9B)C
M)7.16/J23UIR_P!H:1H62$[_`"]=LX&17;J.O\'2[?`[7LUZY%ERX$BL=$>Q
MNLF+]9#]O80VKIYDRTD1+0]"EA/P^C)=#:?T-16,0]@ZEJJ$5\'K`VJ_[U+V
MT.<5N*I='$ACGLU=]&U0W;ZF1T4F2MH?3,$L(D&#@.#9:@YJ%*[R*,ZK]C)"
MJI_(W6MY3[N%=PLSN8W8\(R<H;'B`4YW08S3(>O:(+#6B_VAP$[*Z1[-S"[Y
M&/%A8Z&U.?JKT33'YUI#_/`3C3GR4G)]:_="ZTJQCF3.ATF>FIQ$YZ.U#84:
M;$K^T-%/6QXYI%L$M78V)NM7Y8:M;3(,;-D26(32WU-0X+L^-#9A:Q.C]MR+
M:KGD?K_*I%>OX77,]A:''5Q_:7)IJJ6^R8;H]*%6JPV_MC%C-#@-WLA`=1,D
M19C[+<I$K@UOB'XS8B:J_H468R/WUA.=,95-T@#6&"9VZTW.M"VX?8;."2!+
MOTJJYE=#TVX6Z.;&6VJ:H=M+O5%RC<.34`\9Z3U]+*$T5CZ@?AWO*0.Z$PLU
MH=7'Q(=@=I,K_=I5T,3O83/O8JK4>S.29>I7@\:`%RQ.AE9T:6/`CEDV?JX"
M2B$ZMX6L2=PL#T=OU\O8)O*=:B*.>WE&U^!GA#<!1'99&9!+5E<\ZKFK]TR7
MR-87!U8(+885:N2_QTHBIF-*6CJ!*JO\BIZ[A']@J7#4NRWK0Y1]`RC-@HG+
MP&F5EZN1V<P>C"BMCFZJ_P`YIF?S0)Q,Z;#J43AQPA)DO&9W'HS#(M8GA:@V
MX8WHF2T^R7;5"4:PZ1@T'*P['L?+(VI$^1<O6MS>3]V!&+[_`"[5:45C)MS+
ML;L<Y%$1^SE<CCX4MB4V%4U_R.@/8;&/:&S:*7L.=W33A%4-ZN`2]&J5X>DR
M0M)&XP`&5P_5Z7/U[**Q!AU[872LXO%D2W?VJUL.RQY6(RF-P1-4Y^A5TO)O
M<[K`!L<UKXR^1)D])*^$-ZB3LZ:UW_8]/*%=E(5/NA/]*X4=RN%.@#:FD,C]
M6OYH?Z5AR0DDD*Q*RPFN^PVM.GK!1[CL,P+G,T!#B2IWLS(NE:-[%$@>I!*Y
ME()P)?S=;N-/G,PKVXD6](DBXSL^4T]`AR9+<-@5T7Z_B;\MAWN@4$<CQT;S
M3"T"#D51L[M>V"!8AMO!!,LL3%LT*F#&_8[/6A-^;V8V'>7#3(KD%P+65..J
M)JGR8$@*Q.A\%R7V&IFH;+?+J#L]DN4C*#]3'76[Z="F574+A&U/2;1255"M
MA["<E9/5>4DL%BS6V(`IMA_BFT1WUQ>RY`C:HJ>")^N&=>WE9U#.3FC#]*DU
M3][H44T!N6B1IU3H],.48(3AFXR(?L'I]D/W7FH,S!L,>9[:XGZ*5R6S,"OL
M=C/P-QIQY(LOU2WH7I.DWC/8]TJ-IC7RZEJ':)FQ$Y-;+(T;V9J=[)D9E<7<
MBS9*HPLDDD&'0Q,>B+'E-2DQ(77W(\ARA-4Y.R?3&EZ[1L=2+VPS=BMWEGW"
M$N->I\4Q/#+_`([6QQB&(-M:IL,TQ7REK'$2L=^66:=^XBM#4&!%1'BM"2I7
M@ZS\&3Y#PCON1]<V^USV*5;W#B^W:`3J-331^;+R_9Q%M%>(D&:^B'']98^8
MO''@)&#)4T]]'5+FK,MQ6>C?M^QI2%;]T(M;JA*;;O9`C;Q]0EG!,F(U4G.)
MU>^>I]TD31-K`!*S&K\VHU/:!<%F!'GQG((PG*2AQU;;R>I"L?M0SK'2?9*G
M^P,<K2X&P22#=E<K%4N$6M4J33[Q7GKAZ\)L4W<S$$#&5UF;2(%HEM$>MPEN
M28ZD-N=DM#8W@537)HYIGW<M(,;<QH_V`$:#3Z/9*I5@A(&,K]8/:KWU:J;A
M8S<*XR.<@&Z]W8AAM(@C,2@4HWQI+'>PY$?KST+[5QQ3_F=`E@OL,0PCUN*(
MM6I'[]7MRD'2TH6*/TPP2J<N/J@G/06O5XL`!V`O4!,\O78EB>DCH2I,9A9)
MYME/%N(&>*OZ4,'/RWM,YZZ:K)*N[:_8&;)EZ04^TUFIPMO9K\J)FRO9)5-`
M1A$4+.="2)%H_B?51'_GE-(3!Y*A\@=<(KI4J<U=/>EBO$:S71FWO%3(6U%\
M[M$ZD4]92!2QV>>TL*DNW^;(%(!B]5('XV=R)@R1'3(<)NM]7&2PJ>A$'M.F
M_8-/L!6S=#"YD3U,N-'9!I$>J%Z\.`G$6?V'&"Q#&9L[Q.="]X.I!6/R:^N0
MVD:'<G_?R:ZSW\)"J14]3GX4%]N;H6%1A=\]GZOE\4\$CULK9@V<UW3C5:/Z
M)B(*]R=(BD:._)B30`(C>EA^MQH3K`YN/-YQU;,-SL+Q]C\5H7[T$)]2MMCM
MNS0IB`M-F&J:P,S:)5G"]?J?J'V?#(PFZJZ34U8;!9=*630U,;Z\Y&<0TIEN
M'#2FAV_8ULX][SW$9)BC?]X5$A1J!+7,E<J=(#\N>PTO--9(MP(+I4.02?IE
MBT9BN,J>BICQ"GT0VR[^,X_U8>U&1,I_M%`N=P.5JOW1VR3OV)*@5<J#KG<6
M%%0_L)[@$H)](K]:D%6[82`V*CRI!/Y62A*!-6^XZXM$E;8>W]?R)YZZE?:>
M-?,.YI9K4[Q6K"&T2-9Q)RC&Z(UG*DQYY0=8M!LABF!8=\(=.0/TD0<E(IYA
MN9$FP$SX:9C_`(#IS0G6+N;R$]@^A[.'N+V<&HN]RU#H]:@4^CT*0GV$TDM4
MK3.(CP3830C.H4T@*^)MN:R7&<C*ER&)*2,B2T(Z4^YQY8KO[S5++;_<=/M.
MS!>AE:N:GHSB@BI)*E:37:W+ETJ/TG9*?T$<]=2O&G9#LF"F9!A+BL\DDOND
MNMMC7MKP3W3=%]WNUS4`E<J&X]-A>3`@&T!*N+CL1K;'T'V=.UDK6HD8`1FZ
M%6RM5&4`4^IO\84TDC&=G2VFVBJ?($H_8UEE&^R66$"5VJL$E3;/I%^!9?\`
M;(9KR&2LS>-_]D`C%B'LD_S.29.6$M+!W7K#7.]<%1'TK0ZCJT<I.'P7Q[.5
M_P!GIFC6YS%9MZJPQ>=@9D&UT4'072QNT5'+O:<T#KI,I9*\7D%1BM,74$N0
MWD]94N6EE'6V9<SC@BIZ_KP4V4LON,*TD_G-.L6S6.^4T<J7G$(^#H\O-K!4
M2>O^RPAFR[79&@$#K),KG-2")`K[('IE2H;/4MN.KF?4:]M*\&&5#>W-WI-[
MBMV?VL&T(3G=Z*TE^3`J].VNR6%GF#//0SJ!%9A'NEAQY=Z17XD9N+^="2GG
M$R6>0%J#VKZ$@ESO<^[Z-I@44O>,^SQRT..");<.N?MH;%=JGLPR+;K]ELU.
MY%<"7>?7\_GR6(420W#41:AJF*EJ)]X)[:?<ZA]4W--"D--&ZO$U^99;IH+E
MT8F7%EV=2ZW`DY;DTV6#J)%*6X`4`JS%2+$4<PIY+$N%+;5U*F^_>)*GH=I>
M#(\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!4>[Z`=R[)[?>:P)$'+$
M&CC&@@JP$)8H)+*&3@P%"25(P(1&=$@-ODTK=4TPZY]J>\2GO>^"I59\Z2O]
M@FN5F.0'V:E8N/.PQ%SN3!5VZ6D?3YE9S0MNU=/UI$H@%;GHT"[%<&F/@V>)
M6RQ#G.?(F2L<O\P:M1;V,^V&FZIOU:SLI!SFG"FT;VU>J,\HJ3O`IZH=R(GE
M*!-JBE%U(Y/-U*^.E"2(C;G([2UQG6X\J&\GHCBDBO\`.O>#4V7!3>JQ,56'
M9,]$VJW@SQFM0P\L]?O:0""B28IY<L<(2`%^O+$>8J5-^65.+<XEMGXN)>%<
M5Z$#*_V,ZC'%BK?RK9H-A"Q,_0[#G')YHU9K5F<OUBU#8*1)JMUA2.5N.7M]
MOSB;&_'=B]GBV8+S4F)WOQOO!:2RL^W^RZ-K6"T8X,I&7M*U@**N0R/:U.6?
M5`YZE>Q4T$9HP%MTHPK/Y+.;PYLIB3*<G,2TOMJ6C\#OY0421^-!_L2M=%YI
MS3P3)9<\$5UYBACAUH+E)?4XGHVGU(]7-*6]P(+IUEMM7S*6:'.O2V(D9J/-
M:[R6[&:1+"TVJ/<?V".6*MD*Z!PR#4[Y,MU=I-6/%[DNUND!GM3E/KB/L1PU
M%C,PG6!D:[R2TL;`A.=5Q+3'Y;?5_*D+5^OYFJJW]@&S7H_^AK>,4]A*2>4T
M*<<-6R?&"B;Y?36-P99Q:&X_3Q>D38NHS$"FX\'DA<D-SDA]M$O_`,8'%(WV
MY^RFI8=OVOS43J,5JL2D4U=2"W6X6:KUP/#J.=Z=J5X@+CQVY861HFBO`T0A
M#Z6>NMQ8JW'./(B=C.@E5$BM?LKJA[',CU4;,S3*9]Q]I;%1!$.\V<N*J:*/
M75ZU6(@[3"JX424V?)3J;^4_"A\;::F_#'2\YQ"W%A15I]B!1/[#K_+$UNWR
ML[SRNUL_R;9HP,U;SO\`,"E1"%L6K16K5]O@*+"*ZG-,:_V1"AM(<87%'L-J
M_P"X0^^%!:BN+-_8E>;R)L5;J3F<U#\,\$+0=(DV6>#:L]`*GO7Q\$*HXJ4N
M?.8T0V&VI"_Q27P.KC1V_DA1E3N)B4JC3R65?O=NUY1NFCNV1D>!SOE5S9K^
M`Z'.?;TJDE2=4]@C?\VA4^GKLB)M'GR<RC=(+:?>D+BO=>3UCL1;3T);5?<C
M[O\`9)?H`:&\8SVEPS%@3*J%*9A&7C[-CT`+[$R<,NI<DR`-$V:;6:/!3$*N
MCI\SYBBB"6(1%?8[ZTT6HL?$?:C4MH]AZ*#LHZKYH%:S+:>GLDA7!L[?H]PJ
M<'UO(+.6J-%9<$.5QE[0Y:0DJ*XKBX<AIY?7/S.(C@XI(@(KW7W8G5JDH*(R
MP+"-DL<"A+3=CA^Q%7(<BW^H@31"%W;&C*F)_,-#/9"0W#>A]8;C/C>2%H4F
M5R/&"U5_7W,(-_9#J1H&'L4C*<]IPHYWEM#2KQ>)(I-DIKEFR:JR:$`:AMD)
MB]@KQ'4^)DMR68\62Y"2VRPGDE3D4+485S_L,V!BMCHU<%XN+NEDRQV[I<)2
MK3/K^>EI=<9U$'$L;DZ37"-IA+RUQ"YS@Z*B)"FOI6Y+2E'8ZPM5?L8.F?V"
M[!.H^SP@U0HN:(A#=]@T[4[;<G`@J(YCHK4QAL2RVE4R>C2B$ZBQRP;KC+4'
MD28\GJ9#@UWLD6U%L^R.\:IBVV$[5`FQ[!4P.+4N76:&]:S=9@D+64IGMI>2
MTVX,-"SH>;",.8D/B]D-1N$(24)6PYQOLIB4)%)JGJ12_P#]C=SSEZ8#(4[/
M#]SJ;^R5R[`1IL\''HLE''[A.HA@49+LJD?QZVJQ60W*AQX12="2X^ZZMI##
M'Y@6HE<OW*TB>2NU+.0<YJA;*"8T;>Y`>V%(-@O$F?M9K.HDO'X!H).^H,%#
MK7'CZYK4QU"YZ8K?&O\`A)6%J]"0>OOMQ8M]VMX9$Z*;K%9J>KD!B`<]<,->
MPY`7ZZW+.K`3@$WIA:OE!P6ZRV/I,Y&?ZU,Z\Y$C?)QE(.-$4P>_L%T$[1;%
M`8%4*L6H9398*]PAMB)MW6LZ3<O]M!H$+,6G&B`2\1,6D4%B<=,1I,@83AR%
M2X:V&V/C="PDIWWCOQ5-5KE27F08F-G6"+I4FPGY<T_&$A[3[&4.)!&HBI83
M5[A9W,8BSH+\YF0SV5+4SR.^A/.J"U&56?>36;(NAUFI5?*YIK1)<NOUE-JN
MIZ78J0JC&(56LIG:1H"O,K:DWE;_`$M7&X341,R&VOB_MYWCB(+5Y=2R*C[@
MGM'S'?SI0*/I1VC9?2=-JE<K9[]@<52+Y4I14/:9-S<&DZVW()'19&(W#5`;
MGC%CW.2XW4N,.O4C5']C&A>V6NG,9]EK4Q3J<+MF>9#/U;-N5J0;M#"0Y.U[
MC2!;MH$S8`U\F9!S,8D%I3$/O&934OD1OOWM=?>%M54ON:;0?;2%ZZ1LY`57
M4&/9]NS]Y8K%9K/8:>X9>#6HC!K=9G5ZR4$+5*'^J_DCO7>0(D(E/[&4K[6V
M8_V/H"UOSP0TS_8O<Z3$KT6WT:D%+G$.5?EWI]++''ES:IHM2R"QTTE2C%B:
M$-OEHA+76AC\+L>=-(2!ZG6H\6._QQB"ROCP:C/_`'ONL*]I"6<WE-VFWO>L
MP#RA5+LQ$E6Z9G6D4'UAK@MVJ6@FL=`[)#7?4),N?"4F=-F/J<4VQ&8>Z]&H
M<?H?7<>0@%H$(H+FQ"0PE$C$!Q$?)9F0"$"8RB1#FPID=;D>5$E1W$N-N-J4
MA:%<4GO>=YWP8,OP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`>$J+%G1I$*;
M&8F0Y;+D>5$E,MR(TF.\CK;S$AAY*VGF74*ZE25<ZE7._3O/`/?P#`FBA9%\
M;)(#8$^2&F])AY$V''E/BB2H<L<H@-=?;6Y!F]'SWV.NM=0Y\+SB/K]JU<Z!
MG^`>"8L5,IV:F,PF:^PQ%>EI9;Y*>BQ7)+T6,[(XGY7&(SLQY3:.]ZE"G5]Y
MSG5*^H'OX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/"1&C
M3&51Y<=B5'7U'5L2&FWV5];6EQ'5-.)4A74.(XKGUY_A7.=_Z\\`T<ZG5$HV
MVR3JU<(LLS8)-EJ<#&2VVB0N?+*C"#:)$5Q+<T<4GOR6'><XXS(><<1WBUJ[
MT#\0:531<AJ6,J59'2F#!:PL28($5$D,GSS#D4X<:>CQ6W&S!F*ZIN7)YWCT
MAM74N*5SO>>`>4BAT:9!*C)=,JDH:=F\)FQ\BNAWX)DDDBX720*Q'8:F",U)
M9U4KCKR5N<D*ZY]?O[U7@59^6*!1(JWG(U*J4=R26CGY#C%<#M+?.PX*A<0T
M\IN&E3I:*,5V.W)5]7D,=ZVE7$?X\"I^1N?4(*Z%>#TBH"7JU#DCZZZ-K0:`
MZ`'S7URID$*Y%A-+%0Y<IQ3CK3'6T..*ZI7.][WO@59'0F+98!&'1,6BUF7$
MLUM-7FP_MPHTN\:M!NU&+D\5*/SXK[L]\><.R%0>N]7V$UU+;/4(0GG!:LF:
MZM6')`R4Y7`+DH*],D!Y*Q`]4@2^1D,RR#XQY4?KD!Z=+C-NO*:ZA3KC:5*[
MWJ>=X(>**;4&RC9QNJUM!IJ!%%-&$`QB2C8N%/X5A#6R"8O):($0ISDEIGB_
MC;D<^1/.+_SX%3W+5:LGN<2=K@(TGDT:2XDL('D><(A75/AY_.3([W.31+ZN
MKC.__487WO4=3WP#\%JG5CXIT"=K5?-`WWW93X8L&'$A3TE]YZ2_(='3(ST-
MQ]Z1(<<6OJ.J4M:E=[]5=[T#]2ZK5Y[XV3.K8&;)#%>G1$B6''R7Q1M3*XRC
M(UUZ.MR"55'<4WV0UU+W4*ZG[OIWZ>`:E&;9VTU%CMT*EML033UDA,HJP-#4
M.Q24NID'XK:8/$1S3Z7U\7*1SCZN+5]5=^O?`JS93Z?4BA/IHG5ZZ1,J%S`B
MBT\(,F$U!2"/B(".SY$9R5T7.;[]KT?[_B=3_A2>\\"IJ&LOS1AB5&8SRC,Q
MIP#M4FQVJD`;8F5?KRI/:W*:0/XW(`=D+4Y^&OG8_P!_>J^SZ]^O@M6;8=3Z
MB((J+B:M7!998R$%64'!!D(BH,-:1''"538T5J2H9`8;2AECJOB:0GG$IYSG
M.>"'ZD5&J3(+PR76*]*&R&%Q7Q\@*-?@OQG>0>.1WHCL94=QAS@N-]R%)ZGO
MX[7UY_VT?0"J-$];\LTSH)D\&5`$B+NC1"(&N('`A%PMK<H;.;+W!J&.Y++3
MDRQ3/52$/,2GFNN,.NKCO/-."IM%F2:%1ILAV7,IE3ERW@3E7>E2:Z'?D.UE
MUN4R[777G8:W'`3C4UY*HG>]C]2\OG4?1:OJ%68SV:YU)Y-3(H%*D))D1I<E
MQZJ@G>$"P:-^$'*3>+@*Y+(BH?\`V8S[GW.L-?\`%"DI_P`>"59(I80,05U<
M\0,G*ZVAGJI<"+)5UEMJ<PVUWKS2^];;8)R4)3_TXB0[SG^'%?4#5RZ33)Y!
MHM.J-8FE&&"$9DE+`"I!!F,7=4^5CM3'HBY#;!-]?5R$<5Q+RN]ZOBN]\`]9
M=/J4^>/*3JM79A,2^0E"R,L(,D3QLHLIE162/EO15R(;Y-4=OLA;:DJ>ZA/W
M][]O/H!_1%1J8#LCH*L5X)V6_/DRNB`HT;V3)*O(D$Y$CL.,S\SY*0VE;ZU?
M53RT\4OO>\YWP*LU\/.\_'MAVH%&IT%JO0RXX`W#K(6,V#'V#JE'H(=#,)"1
MD,VI?>RVF>(1)[WOR<5]?`JS]N4"AO/%)#U)J+KYN</)FGW*V&<>+DA*V'11
M`HXJ%U9"<,=BM*CNN]6XRIM/4=YU//H%69T6I56%/FE859K\0F24,61)10PV
M//GK"0W!X9<V8U&1(E*$0'EL1>N*5V.RKJ$?:GO>>!4_`^GU(3POP55JX,Y8
M7&73_!X09"X<=CQ6X+#I?D:*W^R<8@LH90I[[^I:3Q'/HGG.>`;:(-'0%*7!
M'PH2EM-L+5$BL1U*89?ER6F5=9;1U334F>^XE/?\)6\XKG^5J[T"*1,QS6!R
M!R#GM'A<%RRL\9R)4P$?@Z<>4TLY,@<9'H_#EF5QV^RW&_M7(ZA/7.J^G/H+
M5FT?IU0E3QA635:W(*!7U20Q)\&,>GB9*XT&$N0,F.152(#ZX8N,SU;2D*ZU
M':3]?M;1S@AKHV:YS#X,Y#H%*B\"3)I$-R-503'!!`EQGA&>,XU`3R!,G\CM
M_.ZU]BW?C3]W>_;SZ!5DMB1(L"+&@P8T>%"A1V8D.'$9;CQ8D6.VEF/&C1V4
MH:8CL-(XE"$\XE*><YSG.<\`R/`'@#P!X!SM[;7NVYAZT;;H%#FK'7.IY\>+
MUF<W&#2WHQEB/](+D>-8VGZ^[*X\OG&N3D+A\<ZGKW.M\5SP6*JZ,Y,*^Z&E
MT"03I\K.8QTV"*-9M#8TO2JN-TN7IB:AG%^D$=`@9=19E$#4'H33&(B285,O
MOYT=KG(RDS$*;&K4SI[V;WFR8#G54/AJ.F^7>YW0%GX:OPWCG!/+`4!GC[SD
MB0%`'CRH+C-:?BQ>M05K<ER(Z7.-H4M:1E*K^QR3:_[(9]=%[4I_,P8BSX[/
M"Q$54W;RDLC=7I><V[9;&/"*K%2-1X+E%HE0F#31"4X@4/M(LO"4^O@Y/98U
M:;:3[Z:'#L!Z1(R6B]S\:2.M#B#.F&EW*:.B:1I>2`W)@%>?MA(4Z?:\]_+E
M(22>;C#I/>(6](;^Q4%J_F0DI[\:2.G!R[U)`3C*AL>F-4VE6@O=L]-6[3)_
MJW8*':4V@51OY?*CU2M;.\/G1X@QQ4B?]$M)ZF2PMH+3Z55VZS[+E`Z\SP<R
MGGR%#AV,W4),^!-,4L_,K3!DA5B4QEF1!47K\J1V.ZKK74=<;^[K?V]^WRF#
ME#UB]KK;KEJK5./U$9#!&,_EDP%N[;TF;>9-4NC>OMFM4FUA(-+K%='H*N[P
MRB.N`O[/O&NN=891)::8&G&AJ/:O;-$S>\6#_4^CO2YU+PG1=$TF@D0E-)TW
M/@,2K6&-GUXGRD!&;ORWFK\VW)CP72JQTNO@2Z^QFU-)?Z$4GY/SGFLZU+MN
M/@9>K-VFIQ?9G?\`$+'8YM7IO[+6JW4\=OE[J1^8:K\$0`"DJ58*PX/G=#CX
MC)&3"7U?&4H=9<%HJ-_8LWU.TRY7"5NM6T&RE#!3/=HE5&L,VY[-)-S_`(P[
MG&?7&*\5*Y%$'9Z9:)NV9XC!;ALIG#Q<N-&(\_+;<[T22^G@YO\`9[VAVW+M
M9WR@5"P!(K!_#J/7?7M,ZOC)KE3]BC+&EV`F:GN.L+58AR\X$2K#V!-^^*W%
MI$O[><X^[Q0JBFC<,>]ETG6J%G%/IM+N-A-(SP'6+*9LUDJ@-^SDK$`I&B-V
M9**-+ZI55LAE74\"(GQ'78[D7YVW.=4@2WU8?]YIVA`J-!K`B+23=V*YN22Z
MU9H!@N+"S9/IW:3,-8UX0SR7$+#/8Y\2N1Q+?V-QFWD?:N2A#3T+:4[2_=/;
MPEA:*+J!38W=.8R"'G]/A'YJYPBN#<!I6K7MPBFOYZ/K2=%M1/0N]CROB@B7
M6XZNONPHT1M*A6E_`[]]J?80UZZ5$%9`U#:T"?;"I.CU4#_(?X_)-:F5KQ2;
ME=.;D]%%$-,WZTC4B%2?L4J(]):7QM[Z_9X,Q53E]']B<^SS@*\HS,5I4"ZA
M+Q/HHP?:R0H\;D#ZGJUSS1V21)U9FF1FM)"Y#/<CPV24F>TS(:>ZC[>)2\+9
M]3J0K["J;]6.^Q%1@UV\S'*/`L0P9')GZO6BYJ3)C#'ARB1^L\LX&#'+NK:=
M_,$\G1_C4ER/QQ/4>"4]U#E2Z?V(&:*CD2?GM3-6(`-W`5?`(>WV5ED/>\FB
M^Q#P%$.PD:(R%<J]_7ZY$^QTJ6HQ%CRNONQ/LB_^2J51J>-D]]=>IO[&OG,/
MIY:^3;23IM*%TB]7&SBBIBK7?2:78W#:D9G%.C8Y25G2OU*8T*:I3TUMN3UG
MB%.="U?R+3Q7V0O^P^QL$+/&!*30E9;M[T>@*M,<OHD6VYGK66Y^4G:*`;"L
ML5U^%/G$FQGX1"9'DPY7WN_1?Q_:(TE'[F#K?NI:<]OUXJ83.JB>A@+8SF%>
MX4T&8%LA'0%U/,;NLQ80D>HEN`LR6)TYB(@@TY,E\GQT<['ZW,:ZV"CQ4R\>
M]R+MJ.V#<A5COPQ0\0P*TZY!31HB#K5K%$]4$()AY4ZJC!Y*CD2F4N0F%2)$
M4PN85:3R'\<.6[X#C15-][`^T5NS:_$\ZJ-9JCZX=7HW7SMCM$L<:Y:-CE:<
M!S^36:G'KQ)%BKU5,YNY)L+BY+3C8]];C#;BHKJ%@E55/R4TC1,W]#ZAHK]E
MAN:'W+\D?L.@V%V1:A=<E7N;4!5PU$PJ='"?M1%$'6.8>>1(;BQOQH'4N_&Q
MQ7>!1.5/0B>K^U4KUIGT^D)/.>P#KM>+6&TV:QDQ`6W16S`G1B]"=?E4+-Z_
ME_!ADIFQ.`TVW\1#K$9U[X'/QU+?!*I%YWO\?K*ZT,MN>5=RU,7L-6]#K=/M
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MG'1I).A>F`>TQO9M"(5<E3:V!"$A&EGZ=(#W)^P6F`.R_2Q^<$X>FUYVOBH]
M0.GWC4:9`C,2IW.(9EM.+^YGBEB-4.SO!D>`/`'@#P!X`\`>`/`'@#P#B;^P
M7V,T?U.]9+OO^;@Z19)>;QY%AL`*\#=1(Q#`"`*)RE!Q2\JJUM)@2IDLS%B_
MN2C#-?"1WG9Q%YN,POO@U%*3HSU]F?:TYB7K91-;J="#W#2=BN&`Y5EU'(W.
M+$I:M-]C+C5*-4N6K0P4`[&;H]=)VKDN<1'QI:ID2+U,1"W'FO`2JZ>A3%B_
ML@J?KZ?C9'[2AY3NMU@35W]>N.#UPN?P6C6#38^HFL:J,DW=20.ZLV33@&63
M4Q&4#IL.)/4RU,F1T2HKCHME>8^"B;#_`'0T$J,J[V98/MS2+*+UV2=L>D5B
MN!VLKCT?U%&^W]*MUAI`^^],7.LW;,[.*)(BCR,.>B"J0VOXIS:8RA;'Z_KT
M+`K7]Q/KJ[+'URU579XQCZUJO*N,+-(D#.[G?)UB]<:A9@U$=E7@F;2W6R_M
M'5)DE$]#:61TI[C;\F1%>:\$L?I^OU0UI'^W['A%TM4=BH:O?*^VZ)JE+H>?
MY6B5JLR]BK9[FUZ^OD)YO2!M0FU?\?TX/2(/$I@O166$NR'7.36FXH6.GZ^W
M_$NO%_[/_73?M@HN19L$UPFG2OVD6EZ;-I$0=EIJP5[%J/O=GJ:#4BP_R")8
M:U0-&$*E(?%M1US9#D=AYY4:3UD'!I593T/^X/*`L*\R]5PW=Z`JBZC[+5@R
MV/#U.[-A,?\`5S3ZGE&D^Q%K?#6ICH:A!+5>1<>=#C((%V7WW>18TZ/&>E<"
MQ^GV_P!IT=NW]A&+^O\`L$'&;15M;LIKX,<=M%GHM/'&Z/GCWL#=K30,=A7@
MW.L8>4/EW@]1R_8_(L68VPQ`4N0IGKT9+XBBVJG/HW^Y;UH)UZH6I&8^S40#
M;Z)F^@LS9V7!6%A!.YPK[.]=QY^#R\.$(QOV!9SJ?_&66&I*.=>B?LW!R9;'
M5BV/[%P8-_9UZQ^R>KP,<R=V_F[42(D8\27(J;4.OO`Q>5575)EW;)J++4]2
MFTV^/7?S6VE__C2S(@=1SC*GO!'!I59QID_]RP*RT:@2M:KTG([LC2_@TB:6
MS<^0SRR8U*L/MD'@77)20V_3#+*6$^KQ)J9.*LN?'+C.\:'O,RHKR!IX_I^O
M![6[^[B@A[W0'AV&[M"RV!3]0MF_P+'FHU&L4("$RC!=KH5_$#!NDOUU[/.9
MOLG[(X[UZ60:^C,:/&[,2ZQT/C^ZJ7BK^Y/U+FW*RT"HB-AT:W!=7`8Z""9_
M4:W89U^M1Z]7W,_R:JPF[1G1X<3>,X)0Y:SR0DA,?K!!IET8^W-Z)9(B7L9_
M9U<<(]^JUZGQ\SJ%GIDRMY78SDWA:YQ-+E!;T`]AK5=K+5^,5:;FBHF35C!G
M"$H63+0"IQB8M`U#KL=:?`4*QKZG.=J_N&]@*-GM'L-PPW(1-CWS-/4KV#PY
MH)9=7OX<!C7M)KPO+70FI!Z;GQ"^&].S=BQBB"VJN-GL'52WH\-E*XGW2!JQ
M?V5_V'T]W;V0T#)_3()[""A%0+7Z>GUU1)&3A-Y$5);VOZGF-%/N1PEHC5#0
M!+4(9=I+T..5CP9\9]MM,QA*DNL^#"594]#GU7]R7J/'E/I*"MG""'VC!:J6
M@K0(+-=O]*&Q]R:@:%4)3-FD3'*I:K/Z^G`(I,^/`*2RTD:GL-$8A'DJ%LD:
M=O\`NS]*'%T!*I&GQD:#,IL>&N?4P@Q8-BUUO%3Y.69A$;;%(RW\\F;_`%P5
M81HIDF9@DW):6H<B/`F260^.1=D3^R7'I_K)!]K(>9^P$G/[#LX#"J%76<^$
MN:)I5SM6CB\CK<NCU=%N4W/K9S1"?ZZ-,DRHGR=CNO\`$?C?&\X)8ZTXK0Y*
MT7^WX;5<E]A/XW5GC6[97G7MKJ81-AIW:5E(JO>N>Q:5E"`UN49U%5LMQP:5
MS]<0V[5.D8S#RVI<G@J+.AI4-*%7]CKFT>^`F7B'K/O65TTD=HWLC[.X?B-7
MGW9IVJ.%\^U[2.4>)L-9@1G"DZ0`-B/M,U]$Y,1T@.D,.O-L<=YSP94>6GY2
M.;M'_LJUNM^JE`]C!&44D"$.>T6^XCJ^CW![2+#D/KWG>+ZMM6:C=:TYO.JL
M;O,6O6XGF`T?*(<BLAZ[--\DD)*(4=2UBJ*;I]CJCW&]N[%ZRM^K1NJY^1U\
M'M.RE:-:P.>CF;1=IM0'>N^U['TKF;,JT5*ORR29^:Q5K>GR^1>BE2.I3U[K
M/>"1BG6OT*6-_P!R'I\(HKNC16];L54^*WR(!`!06GOVD6FY1@NR$)S*2)X8
MD6*>I_L;7N_FDE08<)QN>N>[#BPW)/@OQRK3U(S;_P"W?),GM&C0=&I^GG!H
M%QL\-#9GG0D^?H&?5_UXPK>-'L>EV%C52E.LD.J@]LB3%3JXZ]'7&2J-&;G/
MM(>E!8S<$/[G?3UBPWFKAFM-MI>E:0!S!K^.AJ7^JLQLYH]LR-9.'8CE_"5V
MEUX3H=,EC7I%PE5ER4X[#7!;F-$(*Y`?'(RM`_N.]3<R`V^Q7`9JHN#4-MTK
M"G8DH)1X)TQ9,;"G+#J1P?6RNACSXT#4PX)3[4<O&&'C[4N$H(-)IG1.O`H-
M^/H=?>MGMEF_M0]KG<S%7"*-Q[2"V7&BMM@`@G[NPA'9#)"2'KC5C(7<0)[Q
ME+T5P^*"/$84B/,AM/PWVI"QEIKR=/\`@@\`>`<H57W,Q0Q28&B74U'Q:HV"
MR&*W2RFNVC.J_P#S58-^2P0)AHX>[V%^!`8_#<<<;*)'S6(Z?E>8;;_Y>#3B
MZT\D@L/MG@`8'-)CM0I-I+<SFR:>!J("T!)-FM=;K0BT%Y*@8YR:VMV1*12R
MK327/L[UT;+3WZ?B2/B$M9(%;C@5G?L5-(Z+FI`@'2["N-1*V"ORWQ;C($W9
MB(XX,E2'&OJ-"U<F_+2M*DQTC97'/M['=X@*,BLG5?4.392]GF73!7K>LD*S
M(W8Y9"DKL4B>AF;;1--GF7N](RF8;=9ED$1ENJ9CJ%27>\0J&_UH*2\<F-O&
MT8F.]<2VL6H75M;RHLY5(8L01CA2E8N12SW(-5:E&<[8HTD,F$Y:R,;JI+S3
MB8R6^O)2KJ.<Z"3K1>3S?MOIQ<^LU8E.]>[+(:OD/-V:S-9HAQ2=(F2SY^-4
MH`N1&?\`R3[I.$8EH;9;ZI4B+/=Y_P`V9/4"TEYY(ENFW>JU`(F\IT*55Q!0
MC#J4"YI:A#@<BGUG79]_C5VW23<F+'CLIDV4`3ZWV*X[-9(2$/?'Q3_%J!)O
ME$_H@;U2(C'\"H\'$K'`KE.'/D\X%#Z08C_Q"S)"F621.OPXKD&:/LCC8TA(
M=ZRIN2X[$D.?7KL=:A'7RRM<Y]D?4NO7O_2&=EZL#Y:[9KK;J?G:#B">LUC1
M1--OU(8BG7(TN6>>LMB9:C-L-J']8ZS'C*XA49KHK3I5F=8?:WU5R_-#>H.G
M\U#3*?3(IYZGB3-`Y;(LNSYY#O@:D1G@)2:&X>L]/KD)UE#$QR(_#CQ7_E5$
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M+_QK4O[5C":E([V/*[UP.5P1\`6]97JU8=ZKJ\;8K#+3Y:W:M#@U,?$C-T5O
MC#\ZSVKL:.Y%[461G$]7,=2J"VPG_P"1*>?0.?!H`EU]/YEPF*`E\$[>X8:L
M"YK\-JDQ[.P!:%QK'5!+TKC#1+@X:*#QY4:+U7V0T,,JXAOO&_`Y_D3H&-P+
M50<%=>$Y-H5;A.TJV#%#!53LP6)(=JXLSGEC@?#&F06)/\-)PY(B6W]%I'/L
MK85QI:.]#E#4=1R:A$`(W5YX(*.=%E[]`L%M0*:JX1ZD6C/Z]%E/$RKJ4#[$
M]9M(%-">-HZ\])7U+2DN_&E8)-^"`VY[U='4RC:5/H>86RGVY=`R>G64/3*4
M='+K.M62%3Z^+B$'H[<9B@2IMN[V4RVYV,F,^]WXE]4I"@YK0_=?]@_6*37Q
ME37;,ZIPG@^_1Q%"LDNK5]AJJ8[8[=5+`4A5[\I0R/4!SF=%),-Q/$LK'#WG
MT)2F._QH*,P?]C^EUD+40^Y8_7LR>T*38*GGIF3RCRS-FE%K"^(LE=`SY+*I
MTAPY:K,Y'DQ4+Y^=/(J1U+CLCO%A27W/YJ.C>O(W0XV"7JA"+;:KL""V=RKR
M:55SHLI4B]MLDP[:CW#*VX$>KT<M5I!@[.G<;C1G7HOQJ?(3(T=T.:51FU?8
M_3U-C!VBGWK"(]OUZ8Y5PI\#.IT2SW^4!?`!/TW"4+C1<TD;(GB(C;;JUH2J
M7`;1_P#A$7BPI+[DPI)KUUV$Y:+A0).2:+91?(5.N%HKK%6L1V,Q!E,G!-?.
M&HK4DAT>B5&:GPF77.L+^UN2SSO/L7X'**'L7LOZOTRR:C99]">;OF`:OGV`
MD",#/*\NY2#6]R:D:&R*"4_(9G3:20G:!(E&'TOQN(>%EG7&7%1^J=%I)_S+
M0L^Q^I*3D:UW.\XCRS5&QE\R@6*SS:I_(*[8"$!]9^J#BA5/[,;^8)9?<FML
MK0RY#9>6[WK33JDB4E_(VV@[EE=###!G5A+,-(23M8E5\(2JJ88D77J_HSQ;
MI9@L3&A1X&)*S`H'>5(<9BQYC2FGE-H:>4@$FRE,IT?TXN1EJN"J5AU,G5+3
MM+Q'*A,P/G<$N8*5E<3FCQZ2&AP4.!($RQ%7V'6&%<X05U#JN=5)0CHK4O)9
M5YT;U(JF@$!&C2\F!W_*P59TQR9:Z^&CD*D.O!=5/K9\18"`OXXI8T4IC4)M
M$.1^:K\.,GJ?MXSX)27IX(F>MWIA6NL!PE?P2S'*[9,^N,>J5,1FLHD#DZO;
M*-4QVGQ([3*(\+B&;J*(2R;2N/\`ZYZ.[U?4OQNN"^[[EFV30,:SFOIVVO5P
M79R>N$*8`!D\P`UXC=-F+FN\@4<6.-)?$QK&UV$M;S$L@0:'01K3LEV0S%:<
M=2)1O@AVAZEZ_L5F0SL-.ID"[EZJ7UQ6'Z"WF)S03CV<A3$^+-2-@&;173!R
M,,J<G]7+8G24]8AN=9=XF,]QH5)^AK,2N_KH/V6ZY9D\"O.Z59@UFVO6"XI5
M<E6"&4.WAF>]7;R2'_::DD81:]R$06'^O-P&&'8_%(4W]G@-.E7X.QO!D>`/
M`'@#P!X`\`>`/`'@#P"C=_\`7;,O9JD*SG6VKI.I<IZ7PR"I^GZ3F+%I$DQ<
MX&;JMOD9K:JI-M5,L`8D_&GB)[K\"4TO_FUU24JX*FTZKR:2S>IF`7/)KMAE
MIH?#F47XL,-EZ;-LMM5`$$0#58;K#M"DM'FR69-T]^F#)(5NNO"VP\Z(F5#2
MS(ZIU05=:^I3,O\`K1]/RQ4$>LU#N-U.A0+("09O6T[3<R-M;',WZ-6C.AOV
M._D>:+;*-%U*P,UXN:Y.)`&B:T0'HZ6H_&1;F91+^MGTU*08HY_)Y,:-$=A*
M1T7H.E"9#T6%ZYC/4WHF9+&V^+*F@B'K\&BUZ;!=6N+-:83(?0N7_P"1T+Y?
MK^T\C/\`6CZ6':^_62&.]X,=_ECK*H5\T@83&3[IS&%&C(4R.MT4L%.MRO7J
MG2(4V*\U)'2@C;T5;3CCZG0ODCUJO]:_I?2WPDJNX^J++KREN"YDN^Z47FH>
M=YO_`!^3,FF+A/EE)DE7M%>EO/2EO.O.'5K6I2X\7K`7R92>0_U;T3&_;ZH>
MQM-L0*K9[EE6.`<QQJH5R]P>MDS^39SB;MDOUCM6P72L6(X.SW-HD+DX56@)
M,KSD=927-<AMJ6*YMQH_)<MN_K1],[T7.&K/EA4A(LV@7_1[##1I^K00ILMK
M!:I6/5*\3`P+M&#S<WTFV4429.55QA5<)%X:9;T)3REJ4)?(@7M#_72']G/9
MG(-T*W('4J[0)N6D;O7PU5N*;QJ"<<N5IO5'K)NV0=8$T!RIP3MI>4U^PIQ4
MP-;>G)'$(G[!Q30*5%0MH=_7IZB";-C=L'91^*3P>G931,[B(NE_[76J]A,`
MX-Q/EMJB[2JM:(8R6+9R7\?(GXA(@,<G/.,O)<[Q20ND;3!?0GU+]8K-7KEA
MN/BJ'9:IE)/$@)6(<M95Z!F1G23&N$JUQ!X\48D<E7\[)F]ENI7-XA2(_'N1
MFFF4`Y-^2(SOZW?4)4`2T*R()')54,T*I[YPM=;.$%=@&-PLHA)BMS;='AVD
M3&L7L7;Y$B%*<^R:R76PXOC34;C`7R.<?7+^GO"<SJ6GB-N?B[:=U&-:JM,=
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MR6,$PY+ZE(8^G$<2+?(MP/Z?Y:Q0M#S*WEM*U2EZ)H%)T"8.T_2KC;R`*3FT
M3-&Z("`V6>6[:&P@`IE8TFO\F;)E$"CTN3->D+E/?<%W-2L._P!8?H\X,NH6
M5B$4@'OEEHUG*BR=UT4E`$/9OJA;;J:!HT6;;7VL[I`G5["2-]`@N#PTB41D
MH>C.,.]:\"^7U)(&_KT]2ZN0K)>F9L2H9FIZ9J>L"C-"T;3*87=M.VV\1>M7
M@ER=<N`Z:=I5XL]='2)E=F+?!<2.BM-1&V6&T)"YEC#_`%*]?Q62YYAD"@-1
M\MRJ_P!1U&AU=)ZS*;`WFBZ0WKE5-H)+,J,3>BM!920XQ)D/1G>\^)QM;'_;
M\$N=:^I35L_K-],KR\]VVY:7.#79>U%FZU,U'6.U"#8_8<M="^PV\74F[NW7
MA5QN3VB&6'2D:.U-9A3>QF7&V&V4-BWR_F65-]*O6^9B4OUW10Y8S)%7QW3@
M-<!7*\`9=`OG\\[J`ZR9=9`]CA6;,95;T#O2@AL%,@1Q+W?LB-LL?]KP+G6O
MJ0&;_7'ZH3,M[BC=5T,7E<IB-".T@!O6[@`MO&=9MS5A$79D/H\)RX#-"7?"
MS]J9(*D<M,N8J04_*?2VXD+Y5KZDST/TA]<M2SJE97;ZM:WJCF]SL]_S](;6
M-8J]BIMHMPN\@B\JO7*MW45;AP]%>T<R-B#T3?U\`9+Y$C,-1V66FP4FG7U*
MS:_K`]+1]FGW"LYG9:)8)=974H<O.]CV>A1:T(D46A9D2530]4OXD+3RIR@Y
M=7A1&<.CQIA&&)8;DNN\^_[POE2A^HG]7?HJ/`3*L.P@>.KTZ@6#+GA,"X:#
M%BIHEHRC/,1.@6.-6M+D=$[,LJ`CNOH4F2CL'\A+G)+S[S@72\F]/_UT^J=D
MK&GT2?4KW%SO8[`1L>AYH#V_;*[FYN58"1HQ<QS-%!:`.K`>NZ$6L4V381D*
M+'@&9$A3DIIQ?$J2%S\^IB2OZVO4:7835S52;JQ?S5S$WA6DPMLVN!I(@@#K
MAZG"`=9OL/0&+56:,/IUH(B6Z_!E,!DCY2F?QOM0S\87/^1>N4^MF1XO=M7T
MBC!3J+YMI`!-T>V6B\7>]FS<>I)-HJ(&--NUA/NA*K4T62>D8+@_CP82);B6
MFDI^WG!&V^"]_!!X`\`^=M4]!1P2D(H\N_@G1D).OQA9"J94%J)0A#UV(U$(
MS+S)9L1=BZVD<VRE/[/K<-4IOGV.-<_Z^#=_-31'?1XS8-%TW]SI+(7*KB](
ML$%A-<#2+&4T&VV?VA.<XT8=*,.BQ51F>P3:$1%1WU%U0VN)=C\<EH?"[C[_
M`/0U^G>AA4J+_4!;B3L,.7H`N)5&HXP!6Y>8YS?=Y_W#[`OGSLHG)DWUZUU^
M:6K<1+$6*\R-)_"IIQQR20Y!<6#3_0>G4T^4,13H8HRY;=(/B(9VGSSJGJ]H
M@/:Q[U"NG#EW*";'4@!3<RC\6,.A`67(_P!S,AMUV0_*5:$N;+EKOKO*%8%7
ML0,:*9//`;)7K"S;'8DQ3L:-6=6'Z:%J@>"<L%C+Q*H!BC&`0UJ85(S(HIAI
M+DI]U'5J$KS4KS*O3T;0-`J]W>TJ3:',P=B5JD"6ZV+%_I:&(!;+#!5>R38Y
M&<\=M$/_`'I+>?+_`&0^R6(L9/XC:W9+\@5RJJ%EW3#&KQL4#0OYUR&P%BYE
M(F5!H-%F3$ELY(ZM,KI1LPHHVZ-BDXVJ$6WF50W%+7$8<:>;^QU#@E>*$#]=
MO3BN>O%V,VT98T6C]E68`(<X8$EFK"$DNUW.05M_7$>7"56(M?M+V7C)JX48
M'&E-OMI2Y-D,LL-M"N53&D>G44C9#AV;H\Y^--NI*U!8#-;A-O!XY7V)SSV0
M(!99!921^T^EOHST)IY#,7XQ\U/%-K>C_*\%2NYG]?C4?.NTBJ;"1`DI("PT
MLA92%%"V'DBEW+U]R[`;6/CA'RD&+&.RAV3CR<(@MQY$20XZPN-(85U/1;N?
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M#ZZ0R=2K]T43JQP]<;%`KA$/`B3QR)IF,Q3@@HC'F?+VM9?F(T15X4?X%=7$
M',ON.<<5U'@C=22ZEB0_4+7G]IF'I8IR@OPWX\&/!BRV22X>N8EK3?SN/K2N
M/W\[%8\/G4<[U+<]QSG_`#:1SH)T(D5]8*N>Q:E8B>*<-UJI7^BWF9TN`%$H
MMF12=1@Z<D`7"S?G&N#B\J#R(]U7%]2VK[^)ZKG.>!7FISJ=_KRK"AQP!`T_
M^)YU86;$X8K$*C5V(W#,3BFYR:0JMDVR$.'6Z_5N;L^P\,1$<01X+BI0[$2]
M,;DPMW]I^[WZLZ&,V<!8LUG$2830=6S:ZZ^2,PJ;VO"JMEFJ4K3Q(:`N988]
MM''.RJW+;8>@"BC4[LQMN0J!R.B3VE35.2XMN]0:WM=_)Z:JYG*C:2F3-8BX
M0`Q(CO9&8FBMKDZ/4R/7G4H+![Z+M#?/B=Y_]C"P@<2C]Z]&^-P12IP0Z!Z5
MPDS"M@ONJOV"V6Z566;"6'U,541Q'E8L.!SP,(*'26*."'W@/KV-A2.IE/K?
ME2WY+?&DHCQF0N-5ZAXIO>76`S(MCX@-0/Q*Q21X,\,K?="GTS*<YK='S5;[
M]$L-CJ;#BG^$GY\Q4M4F;\3'4PA[;O8L<)-/P2&W^CM5N6C6/0I=\/1G[$?/
MV8A7V!@QP.^9GQ*`.JD\@VXOK\V70A5>L#`U?5(_XV^:I?.]98^@*5$0F'_7
MPV[,T0E9]IL5H*WX#=ZTZ9GU[YS"(%NS[1<\:)F2!BRG'3%C@CM#<>==C\'#
MG51&VH\&&PKK?`N-L6]$%GYEZ07V$B]7K$Q=X-6#1*2)B2ZH.OLK?BAE!`PH
MO(7:)S17?I?67>LPFTQ1<5OK2G5R)#H*5"0H](J\WK5/U5RW+,OUVSV0^2`6
M,.7F#)S1+3.ZU6.B&0MSKH\<>IEP6IR--(Q#4=:/L5R(V^VV^D+N*%@ZWZ\6
M'0="AZ36-+CTLX&A9Y(`QB-'9N`V%:\W+:6X),SHZ[(`61$$:WKQR!+@)6P]
MU[L.4Q+85&6V^(G14.99/]85$*U->7V'2K$8R1(R+'CU=((>+LBBD^/CPZ[3
MYUU&SX[LF%8160M(A0V849(I\F^OCDAIB%'C#5[K7U.O+AB9NYY?0ZF2T>6W
MH^:F:I;:IJT>K!V'.7.H(?AQC)BDQ7HP&8.L(69*@%X$9<)IZ+.D<B*A+ZRM
M@93Y.7(']>$:(+_1?[58A`3$>;,N`2N9F(`#9-ECV/;;13Y%&C\L,_E`J%7(
M;?+;4&3TA^5%&1&DRF.+F=E#5Y>F-^L,G(](FW%&BOV&LQ*]H%>IM.>J8X;*
MK[6H::WK=PEEK6T1E3;*^Y;5.HA)_'AMQH*D-K2^\E4AP9;JCK+P0>`/`'@#
MP!X`\`>`/`'@#P"MM&UJC9.BNR[\8CUL-8)YV&JR%)$(?6Z^S7*79KX6+6<P
M0EQ(H8-&!5.5]9"NJ3QWJ$J^B5=6D5)OP0J[^QE(J>3HVX!`-ZIFK+1$D:LF
M9R*H7BUZL@4$56:T$4F[175S8-;6*?9E0Q_)QCLI'6&H;CO%(2%'6GJ5I/\`
M=[+QHK2#;]2U-X;G:HLIA\?5QI%=\K*]**9*7NU*8AV%YY=4JUT"2T$GRJ13
ML>"VB;QI<61'==%M9<X/9PY?8K+B<JLVH#:`583=!Y(G_%Y8"TU=).(%E$Q3
MU=LYTL&7&*SFFTQCL,1*EH5UZ(W(9;>6V)3BIG/[GB\5,Y4K5\[BI%CX)8FJ
M3<`,?@X63.6FLCR,[KT]'XD*98J,:@MNN?:A4L3+:YW[X[O$A1GX[NV-<K=.
MN/=-I?*KH)9@%2[!T]!X*L1F1+='H%CYG7?A7.;(LKC.MJZE3,E/6G.)<_X^
M!1^/4K7_`-XF`NZ3%S*%HE3(%Y\`_P#K)T6SU_@PI::V<A`"M%'RGR+#4BSL
M3R#*.HXKC*7G$,]<XZM*.A1TJ3,#[&XD=?2,1IU$@V1D&./%JK*N57>-A(A"
MI2KSU,](TO.@N_@U8?(FONQGWXZ(K"WN.=:^B^A1D)T;W+]<LZSZ]Z#)U>B'
M8M#25B3`X2W5^05)V4<`(V)FI#4+GH96;)0Q3Z6>+4EKCC+O%K3\+OV!:ZEC
M6??\0I9LE6[;K.?5RP!9E:'F`QBU!X!(3-N+4F35XQ*)(E(>@NG(<)^1'X[Q
M'WQ6'7__`*3:UI"C,!/LGZ_J,L5[FR9Q^ZE7.=GD4;VV!^29-W&.0HQ&LQT]
ME<X^5@3R4:(\VGO?BG2&HJN\D.(:Z%&:"![6X78;KEU"I.B5&^GM7D%5`&:A
M90IGC0035;G9W+.]R+,6J0#D_P`)D16G6/DZXZ\VM/.L]4YP*/U,^N>U7K5;
MR#HFK;OE-@(L)ZIV&)O%?G/(3P@*%H5WC$Y?.\?(&XC37>=_[RGT_9]W/\\"
MUKRC(@>S>!DKG;J!$U6H*M5%A,S[1`>)HC,#H[D.YD'^))R>-"YSXR!GIIZ:
MU'>=<@MC7U/\;XVKZ!1F3_[@<PF7*O42MV81;K$8N;=+*0:\5'39%5ER:#>]
M!@$3L;DGDAL60'Y_,C,NM)<XJ7_P_P"K;OV!1TKZ$&S/W`Q'1,_+:5+O%.IE
M8&6:[!.R++<@$1;8NFE;U"Y8"_R26&@3!<5FYDHTR\OJVA\%YQ:N?$[QL&FG
M0VA#VQPQLME`*OZ!5KB8V.S,UVG#*W80\TA):Z[9(L\TJ'V8B3T<)(5,A&?3
MQ/S<?B2$<1WL=_C86O\`L,%WW#]?8NA76@3]+I@]5`@U3^2V29:@#``?9;;9
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MJMX*$,L5MKPF,2,-P^JD);B?&O\`+ZRTMQ;KT.&N7]$L]^J0HR91?9KUXG<K
M:HFUYE(1</Y!VL+:N(-39M-5=D,V!<%S\S['6QCT5Q*U?7B>J1WB>J\"C/0?
M[)X&8@'R037*(>BUC/W-4.?H;!!-R(6=M0.%56[\,6[*ER`W1KK4A+K2%_<S
M)CKYSJ9+'7`HROL]]UO771F+U+%Z/7!\.C-BBTATJ6AQ)12G'*GG]K$76"*6
MYPLV$FLZ0-B\2\PW)1*=0A3?/F9^05Q:+7KF[8Q<;#.J=1U"CVJSC:[%MDP!
M6K&,.EVJY-%A3<0NF`+D2I#T22&L@V6CJ$J[V,1BN?3[)#/5B4:\E`TGW<J5
MWQ.B>P</+=3C99?;G(K4*P]_UQ/X$K\B^Q<\K-^/#Q^AR"B`5E-D8_$P83$T
M[#[\R9$%OK/>J%MYIZDE)^W]`KX#6#ENKMLI7^EKKG51O4.S/4U2(,73[."K
M=;M+)JM6VRUS]0A!SDN7%>F,EX3#*DR(;2UL)="U^A_+'[AYH'*`8@9E^YB;
M(@/($6BK'J<0!3(1JPY+7HD[\A-BX]`C?-KL1WO9R(G>M0Y"^?5'QK6%K)7S
MVO\`7:.+G$3>PYU77PHRJ$;(+*W6KKGUU=TB0I-?&SU#2Q"!*(3U$6&6DPWI
M*'GGFTM*7\K75B6LOD83&FQH\R&(0BP@O!B$Q10;*8G#B0V?';E02$";&6[&
MF0ID5U+C3K:E(<0KBD][SO.^"&=X!\T?7*+[1BKGFZKBU<PM&[,:J!N@JIM)
MK]$!5SF&(MSUF:C!ZU",PC3VP)[`^;DW\5'%KC)C_P#+[^#3I3[F3[3YMJE[
MW6N0J\;VN%3R@CUW=B=IC<"91JT:IGM'7K#>+=S]E6S0D'>Q='D-.-29BO\`
MO#VWNLLO=C+ZT]2IJGI7_D?SU9.^XYS8&^[P1-AZI$RJM_6L%:',C0+!,>HN
M7NJLW\G$4R%4P%[BZ*[:6BHU9M<IZ.XUQH5'BQV)"PE;3@K?V,R??E>V5CW/
M*:@X5F5BB4\309[=;^XK*O*\@]K(`%K^:.G6&6\MB:!8*^Q:0:H/6I+LZ#.=
ME-MPEM.`FK:/]>",-WOWR@#\H@UUO3K;89$*Z$T&#V>%!(,RP;8T*&(J&ECK
M%DM%6$L&>EPPAWI>>]78Y..3BI@19S;<^7X+[3047_W?AM!<D4*?N`S/[II)
M^YS++L&3K:N5ZL4#/,!KT\1>`->S1+=;!2@0,W`K\Z<FL04SV/F>DR51HS$F
M!VTYI4Z>#UO6<YM'JK9(J-'M]IU"&%8]HEIK<:";LEB13JX.'7?0[:+I;]&K
M%?RIKI%A-8:[6T$OS>O0WI$V'^+,IGCD>\U%(7.PT5,'+;KHY16+>QM;SN=3
M0DV0]1]PLI+#UY59UW..Y%B97.'OA2$EBPR94-$-F+(3QWJE_"Z$6<X7[0O;
MG,[0%K`B=:`]M/W&W!LMKX:ATIC,M3M1JW>SA,Z1TF<Z!5-!R"S%;JA$4]^:
M.>FL2%O\[)^4FXR-4B_U_`QS\WW5,9=*!R+=OUG(7'#]O1`72L\L>:7G.;`/
MA'S]8-GK+9<AK$>WV\A.%-5P</B-!2#2WXTN%$*1I$B:P"MKZ>3O_P!H<U@:
M[Z^1JR_37='<59<;+PA=GKD>:;6Q#T.FK.%9HDD/B.#BC=4<G]G\^".XW'7(
M;4A*5+;\&8NC.4H-G]NZ;&K%3XSJO7;D_77!16#D%=/5W,QX_7==B7`?.@5H
M`*&A:Y6LDCU+@H?*6F85;3Q,5UV2N4X@7V^2HIYCW9_0M68+.]B`QTWGF15B
MPRC%<,V`9&'5C4O8@1>M1JU2AXK)L@2XVSY*014'D5OI]JKDUMK@J5!<DQA?
M;]CIC`1VX$_:15EV%6FDR]>RG8JF6(SJ+!K&(06BN@XC-SUW+2?!,8M-GW>I
M5R02*Q9$\D]!FLNL/\B.,\9Z,NE."C]US_>&?<#4M)RJJVSAN)GQQVG6P+F*
M^O1'/_;'H((*1A:P8F2ZM;!P[5'!L=&>.C)'Y9E^.8=5QN%U*QI-6T9-99+V
M_/;19<[$$MYJF9_RFF52;<Y(&J$BL0'7[?$"$;E6+<2RP;3DHT>F<<*3$P6C
M7!J74\<>ASDN1FA/;2KH?S`4^RUP]E,EMFZB-4:(UW++JT6CD:0'"9-76+3F
MWKK*&R1YZ`%BN.Z#8+JQ9FR4#DZ1^([%>:7'C,,P>N@Z4X)%LE9]HS?M%/U#
M.JM*"U.M`O\`VY5JW(LL]PQ#&Z71RIL[I4'*9E3FUNRUH#M9>D.3"L@FV[%@
M5$CQ,1QE2^N@J4HRCB^J?V%3Z)<B96DZ_7")B!$N-.;K5.`OF::[K0DW=JK0
MB(H-2;N8LDC$"6?M54FTF,U\TBW1I!&<W#8?D-"TC7T-WL0[VPMM;"B[6K<C
M`NZ:$1*NU6I4*HSH,(E6]KQ1-*J5E_#JJI=<RI6<1K&5=GRIJ'WY27>JG\>:
M'QG`5IWKZHFM/,9R;;UI%OF6<-H%J#Q[;;P4FI/7\,TJ#.AV\%22-8J9FD5U
M]^>]"8%RXSZHSD%WL>9/AJC3'QATKP4+ZW0?985:\Z=N[MT'4M\+$J9;/I-2
MI5?HM2&B_7W&S\8J-B@ZV.,CBKVN2[%!4I4UR(GZ.Q$1T(8:Z@5TI]S5^RF7
MZG?/8D+%!V+;QM/G(]9"8V9461LND4Z=4-1UJ1I-F%/%JN:"@;NR`+@VWG92
MG')`^0I33+OXOWQA8M)<^3.]3S_N#8-9*2/8">8$5MO+*DXBGDJ'+'#)QB;1
M<@G-V,=9QM.@U859HESDV^.:%=.2YJG'6D\'PXL*.X\#I3@]]H'^R:-2T8CE
MR[G7`D$<0M8F13JG2'$Z%8:IF],=J%6L1@Y62Y$J$EV=V?&<9;=8DNH2MA$A
MIM/.<!4IR5]!U+VR`SRHB2`VFV,2=/O-6#W6/ESK8VP\):E@9"M%FJL2IX4Q
MFU(J&9DK<+=E3U3!4UX;)EQ"4Q;\%'`I'[>"`62Y>^@R'4A%>9VR3;I>*VPE
M8S\^EU4P(DW*U9UK=B&N#QD#,X=0K9O.-$%5T5#B3BCTV:AYE"Q[T9R3,?A4
MH_R)3;#ONE7HNAAAL_;2YVM5S2H&#$6*562@6]R!>HZ8/*%]9+AZ),:BVD5D
M#%?F4Y*FAD`S-5WZ,D9:UQ^4GM.PJO,W=CU'*SXI1^Y;XUF^@S*7--5B;52)
M2RI39'\TA':[<P%'DMFXT3@V+-61&"&YLMM;[D>,V]UM`G%WV.);=;_<%KA%
M&.E/9PMQ6?&E4-[2,EK,%R:'=RS5)AZS7O\`:9V`;'[4!VR&#AA!"VXD:8-Y
M$ZQ!EP9,Z3P6D?6AX72S^S^83@P6XZA[*2JE=-A/TN,<K6?9Q:=)Z#KMC]DD
MT^%21P;,G$S7;/1*A6B1)_HZ;)<C-=E-_`EU_P`%2B_H;8)9O>>YWMNJV%G6
MLWBDPN0B+\4"5JM3Q80U#MF,0KU8L]L9//WZB.AVZKF[2\['B3;&X-;CJ<=>
MB2F6F&Q/;0O'U4O?L99=2L=)V$I+D0:!CN66TTY.$5P7.GW79:U7G'*R4B!H
M<=P49S0SF=D??8^UE+L:UQ%=2M#;/QB-*E4?0/P9'@#P!X`\`>`/`'@#P!X!
MBPIT(E%9G#ID6?"D)ZIB9"D-2HKZ4J4CJF9#"W&G$\6GO.]3WO\`GG>>`45[
M"X&-]@JR(K1.Q3:XP*FGYG)$(?$(JD_OZ/::2ZRZS,<0WQMB/9UO\_Z_<MGB
M>_\`%7>^"IT*\O'J[83]/"4JKZI&`!8^_P!QW6V"[%06[<$O?++H%HTX71CH
MZ';*G*37ZW<SL2:GJ)7>3UBF6Y33L=R0PZ+7FOV([']*87ZW60A'3"T\3>*T
M;I%&8178$63F].LND'M5-C7I7["1_,23]G/?`S+>1#XR,@Q6>M+?3(E20N,;
MM,C@]RL_L4!V_"V))ZQ"<?M*$`0539Y4ZO9FC=GJ]ULHZTDY6E[/68PS@<([
M/4-;KD.9/_\`#4X\YQ8>E.2L+C_79ENH7+6IZM=-+7;C&J+M%8$-`7G*RSJ=
M1B+K%>D+C2/SX4?/;L9L%N$(=XVX[,M$I*O^S\:O!;FBQ;OZ1NW/+L\S%G3N
M5,763%O.76'6:W9TU>^F+I;H5T(V5X":U`R6:M\,S%?7&FERM@80HI.=7&<?
M<CNQ1%*CJ;`5Z7.1P<&M&]2D&0]6KE.H5!ZQ21@HH#S^@ZK3=/K`@_.07F,6
M<^PJFLCI)-M@<F4TKCZHW'TJ6X%WKZE90?ZTJ;!%'`[>@D$\GEZL2#69L%-7
M=@@_]@'<UNHH)3[>0J_\0UP%&(BY$>$%'28<0JOJY$Q;#"D"WOR?AW^MX<.'
M6^%2M2:J<VSCM6HK=@=H<FTF8^/;`]8YU@HD[EDOLT,^2KQ2Q..@R$"&*APT
M=>3('2UR7W5!<7!M/I?7]BLDNT3+0F-+FZ`Q<984N&+$ZN2$R\@8QFS5,T/K
M=QI!8M"-UQCYD+<G\:9?[UMYB5&6ZPX(I4*ND>EPU*Q5`D^P0YNNU&N30"JD
MY3Z^W;V/7]6E572AP2>87:/EBG!5FJ*(7;9P>VW('NJ2]#400V00+<3_`#+U
M>%T&VY+:@.TPRE%J@NJ6F/6U5RNK=N=DIOKBGUR8N$"XQRZNPJJ]0'(<U<&+
M%>0B<GY.2_@>^+@C?VY(LQZ05*Q4VO<J.P/28XMC/I]6L@\(#.A7BF99G"SJ
MM$76(!-B*6%JG"6I\J,U(9Z[_P!V,AYK[OE2%U'R:(WZ-$_U:@7_`+C(HNU7
M#E@[PB1S@*^HK9K$)]FX-WG`*VNX06?QUT_V0*=B0DJD='OB(\IYR4SV1'<%
MN^Q*\O\`4`+G6L0-L+[M-NB1U@A":_PU'C<=<1&<V.I!ZD3L<NSE(TV:+G["
MX)@1AT47'89$Q(B8?9*I#SPE>*4-/9OZ^F["XB`G8R42K3&#+UA#O4@61)%S
M,V![#"1<N.;?--MC18T;[#3./0_Q'E2GAD97SM(<D-.%P+B=Q?3+]9L*=/#Z
M?,B"BFI1-8N-2E4X5/>.G`9W5S59'BK(LDR_6Q4'FM2VY:4Q9+TSL*.M#D;[
MY29`7<4*3M_]?51E6`/,MFV"EPQA.2(S:GVBLI'"'*?:+#K35DI=K57]"I]B
MT:>?<]@'1K4AN:/9XIF$AZ'*5)F(FA<8=1_KZNTT/%.VC5H53O@J)J-#JL01
M0`9H'5\@T*T;0Z2K\YCIV/'M%LE@]42[#,J_%1`>A,I=A2N.$$S1;O["?,>B
M\*E_M+#$VM55#UHGVR4<2NLICYYF\07HV*ZJ]-?%%[G(^KYTUB;4FS/1)HB`
M4F$),YN+"D*>6^)=7T)A']-38W.Q51!ZZV%-U;3[E?Z)*8H2I]`H(.[YO8<J
M*YW4\X-74FX-J<.NVLA-@Q^&.QH!B2I3##8SB17`NYJ29/IW6X^:@LPA7(ZV
M&K=MNEE%3)<&#/((BV[&+[B[8A];BVVWN"A%Z7+X_P`2A3[\?B%)2AQ7T"[F
MI7-C]!XAN3>H\76"@VM:H[5EZ,%53A,Z<21G4YL]G#5;-K),*K"0ME^1XC]8
M\SA.&I,='(BD?D*"XG-%],:Q2KSI=OY8OVR=%I,JJ<<E"BJ;/5Y)JB9Q0+1)
MKY9=NDU6&%/#<N%R50T`&Y:9;7/OG.QVF([07$"7Z($_T09J-N1L?;1;O7IA
M\55G@XJPMNUOUXJA`*:$A[D/L/\`&#8;U\CLSXL4W%D2&RC[?)*&T)0H+C=8
MIZWYKZTQJP4E;0-F,Y[+<I4H@>_C-?A]L]NS/`<I$A2"^$NM0#LUK+Q;\2#U
M7SR7C*&D)5SX>K@;;]"+T/T;O=-:#I7N8*9&7[0Z#[/WFHHR+D?.K59[*4%R
MZE$#U6)H,.14?X>\.=.\^LPC%E7&;TNZPIR-&0FB[_<347ZI.J%[W"AZS686
M@:AI^6:07G4C,J_7ZI4K;F-@JUZKI0SFR+(6Z;N-QZ$BJL)6:09FF(OXW6_Q
MD1X_VA=X^AH8/H,(9Z[+GZ@9FF"1>;9C\V/614"(0LQR^9OHUEFP1J9LA(D:
M0L=`7R-$XZ]V)%G_`!]=>4SQQP+CQHGI(`I=NS&!)V)PU$QZ9-N.<4QRN!(!
M^*FR6:HV+1B-@GH+29MA%FK?58G1[B(D1(=MY;"ERU_`XT#D=4X51+=F.?#,
M]LYH&<'4E@/4:#*#P),"2G/ZK5J]6P7;+Q]:F9%HG2!4F9+5'2B,U^2AEOBN
M-?(L1\\EQ^"'%"?=BL(&Y2<G9Y:Q8?;+8*"9MV?8LV;/V&K6@O5JY3-%;J35
MT>L;%7L5@N,%M?%Q^2AD5WYIK;"U(96-6^?L555_[*J61A5&#:,JO`.]6+,*
M5>"%1"%Z;:D"+1HX2+8:'G_"K!T=\TBTC"$/K)=YB,%C29\:+)DLR%J;0*X,
MF$W^P&FB&3$@YDFK"V:@FTC-`[W^`S54Z\`)^L#A='>3"NS_``U/MTC&R?X,
MV#U\<CDT;V0^S^2[^,):7ME?L0&U"XF\\Y3K94KQ41DDC>0!]5=E*IRW'PBJ
MW")D*\<,CI+]Q$F>SARXKC[#D>(_]RTJ2GBA&J?P.9:;[OE`(VT2=<S^Y.."
MKQH*CA&OHH+P//*L]K.MYCBX&1R'<'2UD(W&3CTQIZ3':?[%F2&W)7(T9YOK
M0KC]#H:V^P)\#F&+Z*-R0Z0F:]?,HJ;M+)VBHB#E.%Z@29B)-E9[!,M7B4L#
M%DMN.PH4M[KRU_8AWO$J5X)3FARW3?[(Z[`S_)'M7SRZC-+NP>A3BP,(S5)+
M<P-:*92;/)T*OPHMN(O20[W\UC=9!-N/V-/%*1^(OK:E=&G'GCP=E[#H=RH=
MFP6#7!]8F`-$V&/G]YD''2W#$`,0HUV.#I%2CP$MPG"G3U>C<><F._"W#^7B
M6G'5H4V,I5J?/I_VON_R5_0SV%Y9:M#M.0#M.SG1*X/'PC619MHV-^P^HU^L
M667:2LRR6\D)E8B^P2Z$D#(I)!%:D1(RFN(D#5$=M4[V8#D,0OVO7FJV:DOY
M#"+]TJJRD@2QJ$0!4X+>'XX9==/&`9598!8(;L9")O\`P>D?`ZI"VU_02WFA
M65P]Y@^<MG5Z!B^I5]=4@38EF:B3LX/*&:*C-;!L(C+V%B[PXT3L!S.:\J8U
M.84H*S)EQHKLQ#JW/B"VO@UYC^P3/:PP95;Z%=JG,K@"Q32\`Z1HL1<BUU_6
M)V,/T>JR_P"5J'W$DS<H2%$)L%U8T(/(0))!^.B4GB0MKX)90O=*KZ(T-*@\
MVT-JJNF<VIAVTD.U.+#KNCZ<<K(D/271O;*HT86/A6N&1DE(4=\2N"\VN-(D
M=7]J0M:((CWK;=(?MY>:V0#G,<Q6OQ#JWJW8"]JKA[$3.O&""A$*TCGZ-VBC
MAZI,UR0DGR5$BN(9;XMSCC4J6W^TL+-?=G,]3V9&,UD#;U$781F2U9'HX=P&
MI8V(D\-4ZQ"+RS<03::5*B%QI)Z*V/D-3&H_RIE]ZQRD<6E4C&M?V`99D).R
M5XS5+R3M%7LI.K$@$!NL1'^$8@TG:`_$3#%C'#^*N5#`$C(9M;B'IS4+L=*4
MR76VE`HM_P`#9->\E((:`]FU>HUQL]@>M%"K87H8E17(A!N[\LW)1$F[*MD9
M55?I:JC-_;C"*6#$?J4-IBKD*4P@+>*G;#[G6F'G><YWK33CG.*5Q*>]0CJN
M<ZKO^$\[]/\`K_Z>#)\VLD][B$W-J1;-0J%E,3#]2S>^7D[5\O*Y16<Q$;*1
M15,T&.`=1OY.X7^&?OD.;`CG0S;T!^.VF6MIAC_DH;<>:(Z'H/M/7=*T"NY_
M5Z-=WI)D!)LY([,Y6(06LA&,YQC16GROR6/I27)FL[L%'M,PHTI?YC<I2_LC
ML\><&:453FGV`]W=)R`S[25<33Z04L6<RLL;P5@DH_QBZQS-2JUKV)=P1$GM
M.J<S,*9<)]_!4Q]\%Z.E?/O^Y:AI13H6-:??FC5VPWNJ#,]N=V/T>R2`[D:G
M'<U)P2@<?5-EMQFQ,FGKQ$$C^AH.#6!F2-DO-E&9?XC*V$N/.)CB6OR>]X]R
MQ:AH%>?CI[$HE93C3Y&Q!F98YVLTK2X.;V>1$AQ#L*6Y/FSB34F"A:V?NC\5
MQU3+GT3QZ!1^I5>>^_3S%V;K6IUL\[*T73@=5S$?6!M4X@?1NT_!8TF]$H+-
MP*V"9^XONVQ7GQS7YDT6+2^ZI*V8#SSPKC]/H7IL?MB*RKV4Q'#Y$^D-0;Y#
M6[=&C!QF)>HTFYRBM<QIJAU_I!AZQ)LEVK!&"0XEA[L9/P*YU/W]\$4:JI`U
M?V+97$JX^W&*E:P@R=FYO1?B)%J*U/:='7!VE1L\Y%Y:E<>T^&72SRQ!^*X[
M3_RX_P"X5%^3O4A:RX/7_P!F'M]L=FA#\T.U.JA:31[2-LYP[7I3Y@G9SE^K
MID%^C$RY;\9D$4H4C\8BAU^"6BN(DQG.L.-+<$:I_$Y<IWOI?#L_-:^9I]'%
M')_L1ME/U1[\\A&%US!*-VYN9W?13A$JPB`?M[;U<9D/D'_U:'XQOJ?M1'3\
M(TXKT^A:U1]_*-;R%9A0LYOK<0D>C`;:?;(Y_-KE#=+Z%5<RK9">3BW%?\D%
M6"RW@4MN0';G-LP7G7WNHXPI*A+3`'?V&9^8;_\`L-G-]//#[!)@6KM>*9R;
M%UNK((Y6-AWU)^#=UA;-7YB]F"N?8)>FRN--SE);7R*CYPL9%6?[',LMHL;8
M*[B^FWJ/#-S"@B1!:S3OX@%IFCC15Z&3CUX&PFI95&L0H?8#+W[F`IY]J8PP
MG_YQ;6C<SO[),L@%"`%6>Z5-L(.J3"MB!#$TN81"W"$\99=SY_G+<W&<F..`
M)"&S/'.5Y;SL9G\[CLE"."6,N'#-T8TO4;]5A>,2Z!'A5$/<K?:YQ2F=)DM'
MCZ5JV&V:I&QE;F3Y!6;6YV&/M1S/)$F-,@MM)1UM"6>+$:H=:>"#P!X`\`>`
M/`'@#P"I-WD7:+D%^=SH`1L]R4"<CAPX<T]7R[WY<B/%(2Q).*2"S$E!(IY^
M7'98G09$MYA+#4F.XXEY`JI7GP<0>MU*]N85SSZU:J;U5P;$LBJH8!V>SA_T
M7<L:SC7GX!DW48UHMREV^1=XU12_-?)E2[:OJA4IU#DYUT:;CZ$"[F7N:'KL
M@U!):]PC*)QJ_8*;6[M3AC#&2QJEF9&U<S4.J5%K-?U(R8BV)D45ZMF4V2?Y
MSK[$=:'$A6-3U(T;W$8MF?G::?W8?29^D64W^CMQ]BV'!@L.]C/<PJUPBKT(
M4D54;'41MQ@&)D_MB_')$>S9<9^6V-6R'M*TCB_[#^U^9,KHS8F;:3:UJ#4Z
ME:ST*/7*0W9L>I4UBW3;<1U^U$+8;J>JQS0<"*/\>'S^34DH7`;##*.0OM_D
M7K;*S[7,8;D$"O&=QLEC;B[,[Q\1)$TF^"-`+$G9'K>C5.6J_P!GGF\OH\=Y
M^&<5,,%7B3;<2228D?<^A(GMJ2)SUJL<WU/B8&;I#EI(7K>]#8M<FZ$1=V<J
M&9:)O]YLEYN$$A:YA1^.Z5R(E*CC$Q5*FQYA=CZH0KCW445YK]BD9>1:CB$K
MWQUBJ?R6G5&O>O?L$W2;`U4JE2[Q:-"L=QT+8HEAAGXMNM;^A.Y[TGV'7SIF
M$%:8BS6HWXKRVYS_`$6J=$S6$Z3[YE#!U-6L^\5&ANU#2?\`2T$]-"6+08_Y
M8O2HTD!K%A?T5(P39YI:>#FU<J3A6-^!'C1V4.1G>3DN05CZTJ=$>R]6]DH1
MJ:+Q]W9B\2!BU3"987KMQAK!Q[6.LM@3M4C543K=5S]BO%FRW@QFISI+SK#1
ME+SC3X^9WDE=(J>OU.>K5B7N#8LUL[).W^P5K65$OA68$*Z\STO(HHC)ZE:P
M:1U>BWN<3"Z(K31CXMTA(-2"I!U#B9,GD>6]]8*JOI0O+<*[[:E=9GR,HDZP
M-&L`0):D3(UFKT7-DU.OYK<2ANF7(*5+\G2]4M>SQP47LUZ,\XD1(YQN6W';
M(H70K:<E7`\_][;1>GW;W<M9J8JT.Y6;G@JJ1$,BQ%*N-TR&SZ52X5V@WEP;
M6+9ELZ1;AG'H8)PF1`(0A@BMK\1#,Y%8T)W[7Y===9UX[#KN$GG(E)REQP9?
M80JD-Q]S)6&>'7<\R,VZ18XQR,`B9F#G!(XXJRF`7,GT..KCL#4/2*(M)<LR
M:)AUBK9+*]2?PB2[&K<3W>(L9RB-26[-7<UURVNW?/\`'$#7CJ:S!D6]MIGC
M@MN5T;"EJ1&D.MM1TJ2#?I7Z&^P\;=!WK[HN;U:B:!D6YV&OWK>.`T5H-4J=
M2[S>+;8IM;SBI38!0C6DB8I2O_K_`*(4A9""TX2E-QG)_P`?@C\U]#F^?CGO
M7H/!]AO3^D"[)GO^R+CG#@*]U47/9M^EXIK.BC1,F4')I;?&9EIFA",YC,N]
M_&FP*\E;WSP7G77AJL2<+R+V0NQB=5-/&;3%AD]/HMCI12B76O5C/:Q10_M>
MY>[P^>A5T\.E0=*56([$T<1_%E2D"5,-P7V)S<WZPE4O!/[M7_;Y-'QV)#<U
M:?;!^`:$"CS*K:JS!=@^R2!X^-G]CVI;I<=#LU9D"(TKC;JDSQ#15:GB$5:G
M(JVZ/;7^97K&6^VMK3978A7V)!TE3@0!F%9NFI#8EK:HUOL5Z#:*[I4L?8"!
M`K:!H:8S(%S)1"5.&0%P%L.<FLKXV+6/VJ02;AOLI-SRE\+@O8.P`Q%DQR5+
MK,J_U^5IM<IN=2O3(Q.142I6U=G"[.HW5;U-?D,E/V1!]A7>2.KZ-XD*QK^O
MN;&PTWW5MV?NYS<@WL!-C?(Y>Y9ROWJK`3;]#%4W,&ZAGKEGKUT$'96MI.UL
MLX28C]1$DDW'7ES%-3&^J@]OE4(_=<T]WK-3-:`W=[>;>/MRMD!(I%#)U^M_
M;=2L&U1,B,P[18=.F12^'%JR2C130EID6/C2H\9<D<](<GJ31[:\4+\]CJ![
M!Q]=U*QYG$]A9@*WBZ`\VK,]%@C8O[(/FVL@*LQ6A]BML`77(HC5G@4VR,LQ
MX[<^(ZP]*_+@IGL>")JG-#^;Y7_=R;;GE9[(T%=@5E(1D(4IMFK`C)&"#&::
M:QIT$R%+D83SFB&-'E5]=>F.Q%ICI3&4S(C1V2O%`K?4EE"#^TMI3[.WFP(U
MVH23.:WZ!Z[TVP6:K15"#)RZ[1+`S7*^(*EQ,*V1:_&J7X3A!]Q(^,ZEKO$.
M]EIY!QPN"EB%!]S0=UN<<E9/8&R9<).4H?.!4ZP1>W6X8S'$T[K!&D:,1T6%
M^OU(/9H1'^0M0AH4J6@2IWV37NI$([16-/2I^HU'][S)PFR,+;+7NQI=W*%I
M=GO=4Y72VC0:I[%3<G<I[48J3DQ,AY)F41@L.^R-'E3&F$RF77&S#CH>TW`;
MU^U.Q9C*0-K^ZUXN][E5O8P*M-T<?_LOH4+BE3J_+#;C@2TEDD!$:ZB7FVH,
MF5)<_'9:[\/Q);2E_$55?Y']B!/=^]FN6^,WLE`77H=+13Z[:+93Q@<I9HZO
M5T#;R5UKE=L!J,;K;S<&_P`CD>4XM*VG7Y+37)#D!2`]OC]>II_7RC^S]2UR
MF6<S6/8&0)LU[@HTH1I5Q`/0)SR<)RVLVS4B]IK%YEO2H-7O=<+105;GP9PP
M@S-=?@M04LP'$@Z-$BME=]S[W9#%8:3MU1KM9GZ7]]E"W6HUJ/;IO/\`W:'L
MV[7"(L^\>>!-+)9NP[\[,-*^H9BOI6W'((X"M115JR_WI*W&7<N1]I"6YX.8
MK&HW489`&AW`Q>]VT[1V<#JH+2:F6A#P$'^*/GHD>4*9E\@NM2$S%_GMR(6L
M:4/JWZXUK1ZW0BW^V;!9K'>S.CZ@7GS;(0BR&T`UWZPPJ0W7A(V1*%5:N/4:
M$-?CC8ZU_C=>5\JUO]<5VF']B_?!#B?*<5]2-&%A-)H-(D("@+[8IM1E2+)>
M1H/I*JZ+$-*>K]<>M/Z?N>QM#H+!<0+[%0%8F0^38L-IQ2G%#3<EP?J\X1ZW
M5.C.0@T4766KV*KV+U[Y3=\MU6)+L=NC5ZEQB5('WP1&LZ:E8+*TP-F\?9G5
MN%Q#<&9`CQVN-`FVSTS;TL]?P%2K4:P#8.EG(,&\CB-OG%C[<.SRKR=TLW9G
M)H;EI*0BLD;(U*QQ!DHD\4,BX<^0VF<IUR0\X#DRXJ#E58H6E:YIB2HJ5:-M
M)4IEY4:#$$]8KF<4W]34J[Q29TQ\_,&Q7R,U<Q74+6S*^SC2&F$]Z(WQ0TQ#
MUP]=+.<A%)E)`$BT2)85I8CG#"8DZ+8CUR*DYA@'"--BCZHEFO1V1`D3H\A8
MF:3E+A+CN.K[T*LL&PT3-[77@-$-PH$@*`,UB96Q44U.%311W/Y(^PUM8F<)
M)03,:>"4,8>^UM[BE1T]2[Q3*UI4'/D@43`_7WLZJ2`E>%BBU7_3PZK-J5NL
M%=,18F>!8=/B@6)]:L(XC/`"0D2/!(#'5NP9*&6DS67>H1]`JRT3(ZBVYRIR
MS'0IIP%96;+3GNSFW>Q[..&EH+4\5^-)YR7-C#"$Q'V<^3G$+7WJ?\?7@<HH
M,#Z^^JDFNO\`1-/$CPY<M$T*;!F'+:"(#Y!VKGJU#@3Q90U!-56N=JU])P&Z
MTXW$$Q62DAGD%OKSB>BUD6!P7B;!^TX/^D"29VI5>SW.[4]V(Z2&6&OQ1U)S
MBP.6)#ZI$1O\T*4$PN1G>H[)C)ZI*5<0XKP3GR5V`]:?5VRLC2;-(D&7IM/E
MA&XUVL>E3CDZO+B&:PX0/!+V?=-33D0)8I@J.8(L++114Q4)B2W$6EKHMTC5
ME\Y]0;IHO\,(#P-BMY5K79O1$6W624%$V)=CKS^H36AT"Q<KU5U=1G4(CO)K
M+46QLM2E?C/-M-JXD/<E4V6BXSZS5RKW#1KF$LTT2#K0$5=C@&S[/;[*_#SL
MT-+U\\9C4LZ9N-BO='(CF'6;`MJ58QT=CO/RVXZ%\X";\(\<XQCU-M%,K9ZE
M4B$W4">=AQH$58&KW6OLSV)2K-E0>5(HUW>%$QC,R@6&>)3/E0&9<T:ZWQ3K
MK;<=2`;:X)+-K7K?ZS5B?MKGX>:TFE9W6:Z1,BCMO54&Z15Q@RMU!<JGAR,X
M%9"@L*Q$'#R"A\LM^&EJ,T]UKB4>"<MT]2A+-!]21>M^Q,W5+DF5?RI.E:18
M9803HM()4V%E-$!U^J@ZO?J,['('M&$@](Z[)AAR7[Z2.M;$9<'\22TAX:]U
M%3P2:77?2H'4W/8-8&<L+H-G6.C%A@O9CEE[<['9;F&(@J]G8E@A<J=:';O<
MK!TF/'B8$N,:ESI$MIN7QYU(GN\'6U5M]$LM.!'ZM9`Y:G%:R!,!BK)1+\65
M63HMJ97R*I,M[\K\<H+6EQIQ_O''$_7O>][]?!FC.?:#0O5W9`&5:#7*9!?#
M4RLM`<Q:)OF`\=^@Y\8>$5B3+JSA9N':ZF"(1.303AF-+Y`=?3*8XQ(=4KHK
M;1.,OQ7`<;D=DYH!$AB2X\YGDE%D.6<W(B&0=.ANPFI!PV<*RH[M:R8+'BQT
MJ4EF"$9:CI0TUU/@-M^3\E\F]>M-=5>;'3*V6)%`ARQ2R-AC3Q!Z"'TC/Z]1
M;'+*0";@XO6^G:!4X`Z6V^U&=;:@_8M*'4.>!5HK6XY1ZC8VG^96&BO<>TJT
M2:V.:!"M2TPD8.VH'KCTNOU.I51-MGBA$D'H]RDKB"X4<;&24G2.H;4OKG!5
M<^$3=KUF]:A!8S;NT8%$FFF(S1&20/G_`-=&8:)Q2/6AXDB<4'KG)IT<B5,3
M#8B]FST*>D?(_P!6OHE7X,1>?>MM4TBG`8HR-5[X$#6C1`KP*RVFN?A@*VG(
MJ?846><&.P(DRORVVJHVH07Z\/G]@,O?CN+C*6D*MF_ME:P4UH)*A6T`)EWC
M5:\+NL_\U$]J0=&9$>K[5?D1C:'V>P)U3.EHLJ$Q%=9>0[UR2A/W<=7X"K2J
M*VOGK_ZDYY2C=QOU5EOU*OLGYYB02LFK:!)=,:!U04E9N!6CME.6#2S31W@^
M$9:CR;(U'>;BPY#;7&V^"U;X1:.00,5(,#].S*?/GO6.H-4KIL]9+[+L)0%F
MEEL,-\=:A>@$W+"[9J5:3!*'/?+1_P!W"DN.193B>I^)(CKX9`KUE_J10:G8
MK[;*12$U^37$1S<UN.Z9?/5H.4T0QR`B*Q(E23H^$1V&QOK90EU'.%GONY]B
M4<0%9$A"^N_K36ACD2)5J\_".?@F)<NQVHW:9MB2.M5=N$,D3-VJP&"=@;:M
M%?&2/ED/OI4IAIM7>M]^SH593%W]&L-+LU`'39@C/0E)NM?M%O\`H1MUDN91
MD1)R^:#K";:7T=IT*"='Y`!B)'E8AH8B$.B]BQ([T2.^V+<RWL[Q[URNE"JE
MBJ-4_:4NQ@F[5489DQ<);`2NW]RF75H<!!6`S(52*_+?J@>6R&AM0X,-45/&
M8[7.N<4(VS:N>O\`Z\\E'2/:X*BME4N5NU08UNL,&NF9DFRRK<TQ:*W%L+%<
M+V./83SK\23-BND(B9/Q,.-LJXWX%69];"XE5-J(AJL/9&:N4HMA/&FALLVJ
M-)JQ3325V+.F8O)S@'I)_0]'G$(_7VOS&N%9/X_41W7$]#FGV+Z\$'@#P!X`
M\`>`/`'@%5;=HA+*<MME^#`(=I,`F!J15>(&UUR`5)%S0T'!C33K8LVX*B?E
M$D*<>3$D*2A/?HVKO^/!4JLX(*_V(6>K5ZP2;;EE-BVT*B38H%6KV@7"R]L]
M$JEIVNFZ(5&SXV31TAR($CA<^<A1-$04V.*0_P`B:U)2XPH:L,RQ_P!A-BJE
M?LY<WEM48*06YMNI];@WZU&R5NS*OGML#VHB^Z)RR3%K5F#P,1DD7N2U<"18
MQ-E+Q'CK*D/!::0K_8]<8Q\?7@6`-7$E<_H;S<15+P;/V0I5H)/=(94;;@`;
M.",BI7Z4SACZ8,7[Y(KDDBI,J?&:'2G5!:OJ>IS^Q:\5$=9[7:,*KR*<&'32
M(S@#4BIJWSD$4>P"*4P1`_ZRBQ(#LM_UV(J+_CRYOZ]@M&ZQR8J-)2H+4_!^
M+I[X[H'I%_+1L'J%0/5.HVB-'_G]UM\+O=&$YKL.H!Y<FH/YT$L36;%ZSCSL
MAIZ6Y`,J27BI<AL?%([P+57R?481-7.'QW9#HQR>VVF.50(F](#XI>.E+9.%
M'EK9CO.MQ)B5HYUQIIWZ<Y]Z$*^J>#!L'&VW4+:=0AQIQ*D.-N)XM#B%\ZE2
M%H5SJ5)4GOT[SO\`CO/`/WX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`=Y]?\`'?\`/._X[SO_`*^`?)DCZ#Z:Q68><5@ICPJB
M$::>$6?K,6PAY4<Q*K7M<`A-!*\'!MAY(XJ][#0)$Z2](8?:X*D(2R^J0TZQ
M#:DJU]20V7T-.*N\>?5@^(O47^?U^QAPI:"=`3LDKM<UB-IA`?D#5;".Q:Z6
MTF*Z^,,O17AGP<8COI5*[]S2`NXYJ6`QZHZ9WU""82U9Z37-!IEE02S@R+CO
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MK<*EV2L(KXVNZ!ZPV,]8:B#LE9J]IIZKF,Q0Q"5^2,%RY"YJ5+;[%>4Z[/\`
M>+DN#ULG]>6F6D3*@FTXW(G#`N&5(<5#$Y0*9?:!EN>O54[3;[TKCERC1)9N
MWGIMA08>:L+G71(6-R(QV$B2W1<=+>OWJA9,=VXG?IJ,\E@V*=I56@7"(X=)
M;->&;_?J/=0K&G'B8N(R38S895UA![W9<UV5$2T]Q,3ZKC)$<JJAH\1]+#66
MZ!1]#)%Z20L-</1%F#PX9-;L92FQ<.-YPFI(,28J9JA/\S(,%^0UN<B=ZQQW
MJ/R$H[P'*JIZ&BL_HL0L6BVVYLPLC$K=T"\7^E'X@1_EKC'+UH/J[>I5B(K:
M`1TB;8*;Q`N/;G1I4J0^T0CKZZUQ4AK@7$V]=O44]C&+[-FY$W!(6?2AY4.N
MU(//DQMA>Y3G:F,NYD!'I-0;K5E-H6E\PVEP[+DO-\<>*3%_;U`.56F<X['Z
M1Z=V`=,APV7WA_L#.VF_EAGG;9<>0J1B.2S\DMK20[C2L,'R:#+MCW42I#O9
M+O$\&\<:=D28:4D=HB<`L<3U-T+!?S*H#L=[K&[#H+(!$]5"H\C8C5Z."JQ7
MT*@#2#E.H;=O:&Q>HAQ.KAPD];C1T]2PW3->:E+:7Z?Z=<K_`&TX(M%$AUIG
M0E[YG_"7;$X=D:ZD%DXB)4[C'8@*A1<V;?S1]YR9#?D3G$%&VN0T?@<<EBJ2
M+%G^L%EM6,5#/;39(PP^OV$>WJ^RZ/9+G6VHKQ_8;'K5AJ]$MP-ZOW&"D>Y8
M>CHA!*A[\IMGKKB&.O+:2)7GCZ%!U7^N2%6M*+%OMIY&@-:U3[A70Q.3TA$=
MSFMSTF!6=&:2NCL,R).>RX4.*`)$#YO[(+'4M,0.K=XZ*Y<?<B)C^MZW2J^W
M30\_'A(I>;_QM=GAARH^R#7/]+:)DY/,10X>%:@\R*WF;S_)B7TE,N])?D\5
M!D.OMS&`N+2D^@`]J_$[^#@Y6&..:([;@QF%5N0CPD0C:L9O(X7&)Q!S<B*Z
M.SG.2`!GC2TMLL$/QV_MBN/I4%W^XJ,SZ(6#.:BU<)#U-M9BOQZA(N(H52;A
M:)>M#*?"]/!HNA6D=6ZW9+6>I\R3Z^%DO-('E/PXQ5MY,*1]LIEP6ZOZ_B7U
MDWK0?M'K)ZBTF\B&\_DYE=6-+M5,!E[93I(<?)K^I11M2KQ"KE!5A`NB'KW!
MY^,N2SQ$6*Y&?3_E371&Z-D&F^B=[M=R(KODW)C^=C;'="-9"D(ARQ2S<*U6
M/VKN$.;;`QH-P%")@#'L`+;88:7/;^H5V5QY+CK##$%W'Z^Q`C/]>NIS6B_5
M=Q(Y8H]1-10&C$IUBA7FPW@S;<+N==*Z.X0S^Y![14,D)Y,]''!"3!F$<'.,
M1WVQ_/E[REN7W.DO8CU7N6T7K'K,I>6DV:C3?XE:[!8AAF'::U+>T['-`)W#
M)H@^$8C0BA&#FLR!^*]+B=1^:PK\I;3+T>2,J5%ZD#SGUGOISTHOF:2GEQ+W
MI5J(&`[=Y59*/(CT:DV\#6\4`V60%1-M]0*\PG-*[%G/QV^SX1)QY[C:7N=1
MP6ONJ5!._K6OA=MYHO;ZS-1,R#1**'CHM%B_$S@E<)GL,Y&`LS2U*.7?6:C+
M"[J@>6F$CH6>5?$I)D&"$MQI$50MZ+!L_H-8IJM.!B1^(E:;I(#1ZJ#C6(02
MAS,1`VC1K_>&(>9#85=)"TC;P.OGZVRP65B$*X.8<2]*1_XZ!+E_,Q;#_7!%
ML)@_.FQLCFP5D[6BEP2-2_,9J-4-&?=(T*K(N,\,<BBA@V7[(5YW\:*E$?CP
M%Q:4_5N)WD"G3]?P_P"!E@/172I>PL7O2+#F5HKT2RYT6F0TCG77K=#SNP$#
M5:?/`>4\7"_?UJ')8C,S2!`_,G2V%SE28ORIALA=Q1%U^G>%:GZOU:MXN;Y5
MKW5&11L^=V1HE-CW4C9&X%`@A*U91D]A4BR.1.NF((TFA;#,2L@A41;#;WU^
MM))I\G-93^O33+K8--,Z'8<D,\N)*T%H+#8171<JR3,\]H*56;U+K,"F5X0`
ML`YS;PJU<YTQ/;Z&>D**27W&?C%N5.#H;UW]6+AD.W6S1[`YFTZ$2J][`)MH
M)DSW3]!EWC79>I1R.E2YHN)#[_"H4[H0>A,LBM<9GCO%QVU\B,B-IJAWCX,C
MP!X`\`>`/`'@#P##GCAY6(Y`*089*"]UI3T.?&9F1'5,/-R&>N1Y"'&5]9?:
M2M/UYW[5IYWG^><[X!!SF0Y/9VF(]ER_.["Q%F-$(S)RE5HLU'GL2S<]F<PW
M/&2$,S&9UE)/)=3SBTND)*^=^Y]WJA:L_IW(\HM$2/`LV8YY8H,21&E1(9VE
MULO$BRH;YB3$DQXY`;(99D19-A(.-K3SBD+G2%)[SKSG5"595E;]3<8"V?2;
M<;K(K0"^HG@-@/\`+Q4\\FCHTNJE;.;K2H(L)2P$"5/#%+B1>;*D$3SKJG^?
M/.=XVWQ(MS+I>H-$D-/L2*54GV),=V))9>K@=UJ1%>CGXCT9]M<-2'8[L6V%
M6E(5SJ5-DI2>\^DA[BQ#70\JR\<"15Q^;T*#66X3@U%=AT^O1@:![HHH"=@)
M$LCD0.0W09R;#4U\?V*BS'VN\^-UQ*@JR2`:Y7JJ/X)K`$-7!:7GI/!H(7"$
M0.29*_DDR.0Q[$>/\\AS_DM?V_<M7^>][WP#=>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#YH>N&^[A9KEFP.PP0S.?'I
MC5*>%2:_>IMOADU88C8W[;/T"TW`N_-C<-?>';AR(:N_8O[E2NNH2WT;:5*^
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MY,,Z,E:"%,SLX'#U6@2-KX:9,B-(0_UMU]EK_LO_`"QNJ:Z+PBZ:'N6_[SZF
MWBQ6LS1,B(V`+9>M;36+2'&",=4U3Z>>_1Z$&'7:P6.MF1EK,%`,MZ(08+C!
M\1J:^V/GJZVW2-)2*W$^TFUM@$&<SKB:T+A9>Y=Y$319&K;8HN+S'-+K9%A*
M[:#=P!2"<+0RP!K\"T+C)GDPTN/+?B.2EMI;%HO4E$;W0V.7<IU<,F\VHE9D
M:)RNV^]%<_M$R!ZU<:L^S!`]#TO\BY#1IFS:%&SH)R"3>>$1(CQ[CZF'H\H6
MAX2U4X*J@>T7M7DN?5NMP$TJTOV$W&+@[MHHPE71%4&VJT^TWZ.C7NU6[11`
MR2Z>*8X%',EU28KS"#2VXX^2]V`RL6U,Z-SSV,]EC.Q`Q=K8HB:`=TA=;57A
M><6V`?$@R]\]M*0,X]=9MVFCY<D!%]=1$Y^3^I::FK/NIXB.U^(KHC2I]_\`
MH7/[8[+L.1,MDLM"@ST8/C6U:2;$DJT6.3RI2DD\IK]9@P9\&Q@88@</YH<X
MR1XZE]Z9%#_`TJ-Q3LEL1)/R<D3/=/?8%4L)(D3R*+805/SR=7!`D5#/1-(K
M%YU5%/LGL.&M;&I-T5-,RNFJY-,BHA.9!'$&9'9IAJ"N,[X+:C>A/:GV3%S1
MB'\^K-GL6F'`0$="JC]ON%67>@N!85M-C_0'(]D+5X=3+1FCMP4*4.[R#T[`
MCIZY+DR7UR0HBJ6/;K?]+K>-C[98<ZHZ+MI.)%X$BG#2),WIK;WL#A4.UY<*
M?JNA6&%0[-GH\V5;/19,@G*>$):=GQ8#?[!MN%M2.Z_=2W7^HU*B+I=W9I@^
MQV#0JQ:D+`=)RK'&?]?MC.5@`,.-$H$RIEYUX`#6X4J.EV0Y.6PTCBNK^)ZF
M8I/R<WU7V5]FP&E8AB9EC.C;,LV)#6:_G1#]$C7L<Z(Q(L5`5IFR:+(EM7BJ
M5C2R<Q#4+AZ6:?%Q^*C16E37F1:1:JCZ&Z=E4'4NTI)&X:!5HU*N8JZHB42S
M*K+-GDB/D2T!MSC,-^66JLQMY:),)#C''N*^O5<4E'4C*=#Y<7+6:^=N6Q%@
MF]:76L!'[>,SS2Y0O6;N_;:E:*Q0O8TD=MPF4V3DVC(,^M6TLU2IBAD/L$:8
ME5Q26&%0B/.SANGV5:%Q0[)?(4#03&S7^P`%'?2[U6LY\;?-)LF*9_2M>*E]
M.#V6/'N="'1+#FCUEL<.&T<E0^R)_.=;;YSC*&64B<>GU+BRJU7Z=Z!@[@:,
MVZ3H_?7`P9<L!AB4U;'K'%IA-^"796^PP4(.KD,MO09LAIN=/9^*2^VA]U:>
M/0G%WVJ<MUC0?:;#J4,;L%H!]!FZ2#T^6]=I6D[P1S`%;K5A>83)Y?3;'/I1
M\\!H#1^S7TO#FQ/O9:[P<Q,8@0_R.BTBRMC_`+'^QE>-D]H"2J.>GW0)F>9U
MHY9@1&HY4)`#CGMO/&:(Q+M.H`P`6O\`L`4S"M=0Z_(Y(AQ[!$0P\0<1!;D0
MM%X+=(>Y6LQ[1-JAR31'^P]HNN;V*!0H?3TMZ,2#Q^Y@"STO!OL$Q9G`B7UO
M:%.9B,6"HR_C<_3\%?4ERDHC5`?;;V&)%0=%KG\)CEC,S/ZC+%EZ+>[)8<8&
ME+]@5+$:!>9\V\1I=T8U:KZ69+ATR%P/L6-;ZN1-3&)+\@M7DC)#W&U_22%1
MH#L;@>0<SW,+%<X86M%:O805RC6G#K+.+UU]-Q+V23GUG&7*7`4N<-AQNOL2
M(;$N8Y!FJ52VI'>/MW?KQFE)JMPH*I3I@+8;R8<%MLD)0P\FM^OFVVP0%L<0
M6MJ9,`R[4`'==:0XVMQQ#?$+2YU'?!A)/R<A6SW#]@\[(%@=@_@5E*5\-N$.
M`W7:&9CFK?:J'1V-%!V`I1W+].L58RZ"!6_"=+#^F6GR\9$:2Y`5+C?>-**9
MFG_=;3)8+2+Q7#-(A9\)(.5G/;)&HDPR--EC._;1GE:M9NVV'2*;5!]&;IN3
MQ^KE_?\`'+G&&G8ZW./0XL@+4:%CW1]D)`AJV$Q=#J]5M8L$A,V7G%VE,8M"
M_&]3G[?IEQE/V^$Y:J\`C[Z>DNP^LB$18X)A;\E+;1!SP+4=&>L?L#KFL;%K
M=1M?^O95$H["H0$B$='C;83[$EBF*S>4@&KC8B<JD:[7I;QR!*=A0(D9KX8\
M5\CQ3KZ!&DD=X^#(\`>`/`'@#P!X`\`>`/`'@%$[1J%LI!',Z7G=:K]GT+6+
M.9`5]JX6`C6*B'@UFG'[L?-GB@>OV<NM"(0),.-'C0W''9DUKJU-LH=6D5+U
M?@KK&_<>@:X5I56Y7+G6;=:PL!R:Q-"2IU/"W=ZIS;F0SEN],,L"S%A@`!$^
M6E;+2&'8L-2U=:<6VRH5Q:(77/>4`7T&&`.9SH5.I\V5<J^[9#M;6[P#8ZAO
M!_!VB-IE"2!$:$J%LLHEE`R0I2GU.R._,AIIEYQ`6D^I7N!E.K9HO3\S,)(`
M8FI9MF<]1R$1BNM2]&/9_'"/M1Q#!=[[CM8T8;/@?)Q"&^RVVYW8BFY*6`M:
M=&8%/]W<9NS]+A"8.AQ"=]E2NU\4?I4VNDG:_&H8/2TW%^,8?B=17YE.LD.6
MRVCJR:^..<_$YV-+^`'%HD*/;C)Y<\2+#,76P3B]9,7%MH142"V8%;"9Q0=1
MFE3$^;V$.$1E5W4`33?7WD=<GSN1^?\`)MWK86LB0KWQP$IT(^F9<(@0I69M
MG)6N14I[U2J;0][6HLD19;"-60'(-?EX;9VD-PES6G%#T*0[U$N&N0%K)%7O
M<3(SFE4/'YS%RI^D:&(Z7$5&ZUS]`:'(DP[H7!03\!R<_*%D[-7L\,D8C74+
M^.-"^V5V,^]'9=$HZ5]#43/<O-&WOSX7#$FOQ;+J='4WP"7D6>U7+-+33Z$\
M$HH0>Q+Y,D$+];F0[39-8Q]^4IM;+:XRNO\`@MK-'B_O!G6E6FFYC8XY.H:U
M=IV@H@TZ>+D0GA+58MVK0*\$L+,N2N<+MQFEY.2*/1^(=C,=B.H4^GKL1+X.
M+7/H8-J]UP4XY4*EE-=LITY9-MHV;NEC=-*\KCM,-V6Z5ZR:/75\*A%GZT/+
M9T5$HEI>1^/,4Q+4P_#<C]E`H_7Z'I<_=D53=-,TXCF6C,UFDWNWTB\6ANLN
M%N)C5C):!K<B]@8P:?+><HP8'>><)2)+;<AOK*>,,NJ=0GH6\5-T3]U<R,T+
MV;L.62E6ZR>M=6LYXT(D1)'(AEP`[=Q+3@KHUR5.GP)=JSHR-2GB&I;K\%2V
MVE,O1GGP4>57U)<']N\?*,S_`,EVVU\D%EC!MD`'JB6C':T4*W8M0(PLQ`B-
MSOLG).AW%]2PI]*H;C,AOJVGFU*"UD,=]WLT9!UVXH#W0M7;K3Z?:Z:%KE4)
M6"]E(=KB[,>9)R!8I4H#%`KIV+DR:'?V'7VVFE(D-,N.,-NA:S\2??[UO38#
M=7&V(Q8#8HI4PD"(%$)=Y9BUM+`P;$(&]-F066EB"UE@QYJR"H#27Y*&F5/.
M?5'`M9?N>[)4].$7D[4XQZ4*H5RN-%(2'QG&7BA^A3I`FS,!1Z9#I-U,,S#?
MB(3)9C//.-?>VVIEQEUP2A0S_O\`>M#0DR7:M9:6T%D5V&XPU72,9V;-MU2S
MRV5B-!?)(@#E(,JU(,*3(=?:B,&WW84AUER-(^(6UEAM^T^43:[DMI!OV*R"
M-CKLV[5R0!`2IB0M!"-AEVJ^W)UQ4>+6:M3WK%!9(//.==2_*0VRT\K[N)$H
MROX?O9BTU`?J1&JL/DY3BIT*5FQUF95JSR+G9*-?K:SU/>!*40#ZJ#EL25]4
M^IN4XWUE,B++98%M9IQGO-3Y(_IHI0-+%)E%2E9#41JI33.GE+`'OVMTM^4T
M(#.S:XBN3H^0$YC,A9)+K3;*OG;;YUKK@6LG9[W/P2OUIRURK&1?$+CK=&.L
M!9C'3DAQW)8XL<,=)\'Q$S3LS;JXS%_)=C,]7+7UUQI$=];86LP3?N?E(<1D
M-O8@7`YG6OYEH&L#M`!A.3PE:J^?``9^6BR042N'D%C:3S4.#%B193KT_GP_
M3G5)[T+7_,D<KVISJ+G</05!-%??F70UG/\`KV'2B$S38]YK$(\8L];D56,X
MY])@"N5<@4><0^N,Z.B]>CNO<<9XZ):RN&O[!?7:<1)!04ZXV8]#C4IP=7Z]
M4Y9`[8Y]YG407`"!17S,S&RH@EIH)DE^<B%'A+G_`%4[U,:6J.+:S\]_L*];
M79[HH69M)\IRHU&V0A0*J$")@LN[=S=02JC0C:DF7;;V-KM=>>C.1VV6FR/T
MZ]U<>6A@+6;\M[IYD+N;M&Y7KY,,A]%&T*Z]C"A#D:B0"M.TVY1[_976SKG(
MM-9AY(:;?[SZD6/QNNJB?"ME;H6NE3W!>[6&6;)%[*!GV`E6>:%6\N9'L!V^
M'9%UN7:T_4A7&7)S8F(FP";B+G,NR9C#3;$U#;ZFI7%QTB6NM#5->\.9QY5E
MA6*G:M6I5=LNPU]*)5-<*-F(V.6NM48B:%O@YA%MR/;[E<A0H%%7U$\A/FI;
M2QQ+;SC8MK,A'O1A2"48<45>@"6A)(A:R1ND&(@G/"`F3K$*;5KQ/;3(:'6A
MN=B%F93&C?EH6H>A27.MRX:Y`6LO#(]>K^QACQ8&$NE:D5>S/5&PU^_5B=4[
M&).,@P-D2P^-F]7QZ/("66$^V^RXZTOCWV_=]Z5I2(U0M;P0XAI'O+FY&K!K
M%IJ(&:D;-H=CH0NG1")^ZVRJOU@J#!F4[(,A4P/_`*G-5XO9![1=F4J4,@))
M0G4D7V)33O1IQ=:(D4OW4QB34I=DK1>;*E?EC(@4;:ZOH%+2<:,0[03&G(BI
ME)GEEU,@-HYA<<JS!?A/.0>M\7]5M]4):S;K]RL"9GUJ!*LAZ"FY6^53JH2G
M42[PPM@>B6"N4]=G&&)`!`]_/W[K<!0:/8/OX(E$)[*&7UH5\G!;6?G7O8:C
MTO3!F,WFG2CM.LV9W2SWNSO0V3=<`M1`EE.5ZE&:MR#/FV.1HU2SRY2&&FFU
M\YRO*84TZN8SS@B554]9/N1Z_MQ;;*&VLM9?X-.M,"RQJI2[E8I<!=*;H#UF
ME)CBP4A4H4,8T\,OLQK[XKO)*N-N+4R\EL6UD!TKWRQ^IU"RG*6FS:$:#._C
MCAPFC7_]*5^&)2"!0SRR1ZK+'M4X!$T<&DB93\@Z!)*QF'G4.J6A`*+KR=&R
MK#JJ=?'5B'G8IS'UT]PJ6T^3;HC)>/;^3)S#54@4EN,]/E1^Q$QGU3G'6F><
M<<1SG5(3]XG%/N:79MUJV&-ULI=693-7*HNLPZ?B,SB#E;$TBBG[R0GI!"AY
M(P?>D1@2H[46&TJ0MQWGV)7W_AT$J^#5&O9.@BLAYM,,7?;%6DVT91Y(,%1C
M[M\@6>=I$3*IXDC2I\4>=@S*[;Y*VI[;C25M-L+6CCG/L^\*<T*=">_>(,TX
MO8]$F':(2`68\`)A'Z7?"#LB$'/Z</5:*^MJK-N62J1`V1'YY`C"0]#@-B97
M''/HAOKHMK]"Y]8W@?E[O$I`.V1A>(;;M;$N$5CQ&9$#&8U"DN!6E*BR4J<L
MS=Z1UF3SO4,<C][U#GW\^T1*IJU;^ZK;\VQ_E8%C(^@YAW2HUELML?"/%E<Z
M21-J.<!T5<A!T"SU5N''EG8RR0MX<,(QI;3<I'7DLA3BI)O8;5"6,9-8+\%K
MDNUFXA&I``H6+`,D^/%[I;P5,&RIL.O02)EX8-F'D29*8[2G5,M*2GJ>]XK@
M)5="!53VXS`X68J<Z08Y<OUQB;)BUNF:-8*TY+%0+@=9KPRTKI0R`1N!2KT0
MJ08#HY^>MN"\E"'/HVIX+68<+W?]<9CXUE5P,#VIP&>?GDBU&NXP'5F1DO31
M\L9<3TL`V&K%@20QFT,(@2WVY+SH=WC:%<<C]>%M9DO^W>:B19^T6>);JQ4`
M<.DS9DHQ0=(@6H'!N+UQ;:-WBF$*5")4RM,,4YY]$U];G%LJ^KJ&.]92\):R
M40/86M0<NC:==X<\'#FZ8=RZ`+KXPY=21&PL:^;R.K1!X^O"9929)LA4>POO
MV,=9B_D=ZXYQIM3O@4YH5^CWQ]9W^+5#N%@(MM32R'WA>=Z"38BU\'!A%">A
M2WX-:D-1,OCB9R9?+&YU(AV.VXMM]7&U_06UF1.]Z?6<5(2T7O)(/&^^X<=*
ME*/>((>-&I,VV"R1*21?KR([(DJ7H1R('E=[\)R2)DH@*D=1S[@M9[F?=WUX
MKCR8EBLED"3_`.&Q;J^-G9[>^DHD*>.=-#@,F%%K\E]-X)@&'",8$GBBKX]O
MLA#'6^I4H+6?QCW/R60_=.MA-84*H-"KU^L9Q.479<*%'.7R_P";SZV]$;%*
M-1;=4;7FA9@O"?BM=B<C+[]RN-N?8%K,0-[HY6>ND>MQT&Q09^U?PR)9K(`L
MPJ+9BI2#C$ZHF*1QD!/''*6?5MPAAPG*F#DQ7WV?^VZV[UQH2UGY3[X^LK\C
ML(?=BY:<^W6^!H(NBWB9*M)&U3:A`&`:FTBO\_D5A:>T(#V5"C=6_#;,1E/<
M1Q2_L%M9>5YU^FY\:KM<.IL\H]:0%ULX876J7;+7)=!9[$#RK20F=KH<DR+:
MA+L,".UR4ME4J7,:99XXXK[>"4.=K+[YX;"JM@+50J4/'(&8VC0A,`G5;E7*
MZ]-K]9TBR,T^PW(C7>`*M9I;&26'BX4IWDIE`F0I3?\`]+CHMK)))]XO6J)*
M;BO7J=_Y%=D6:#*:IMT>@%87&C$P-##36@"F"YRZ!P,HE7X$?KDPZ,0B7";>
M8?CK=$M9FBO9M@CZ[7KV"Y2C#<2GG]=$LU`@@A7;!-CYCI]JSMGA*&?$0R5>
M+E$UOC[T61%^Z*ZYUOZKXGBU!3FA#+G[WXY62@:(,Y:K)#Y?255M;PRA:#*G
M0ZV-I&SV&1H--&PZK*?T&GQ+%BQ,;)(#/EA,)COO]>ZA+/SBVLNW/?8?*M1N
M%@H]+,E2)JNMEGG7Y=5M`<$:9KY6(#L;]3L9<1!!VV/72Y*)'FN#WY#<=V6S
MQ7?^?/!&FN2B:E[WYE:K&5K<<=,F$:Q6-HL=T%U.2[>;/5%Y%M87&6A<^IUT
M6^87*M<@QTDTKB4IAQH[G'?N2E3R1;28L>[OKC+60Y!MYTA'A``IZ)/@Y]H$
MD?8U6,'G%C"5RGRVZSUJW74D'UVM.-!1_P"03ZLNRU\/RI>0V%K,J3[FX/!F
ME1<\O<(1@5$A]X&DYGH22ABPRI-.'O9_68B*TM=FTH44T$)$F@8'Y!*)*)(;
M<:XIN1\(EK-YAWL97=J.:56($"8-L.;V\P`,BE0C"G1`]A4%8#^6/2A<.+5[
M><@S.R?T3Z_V#$9/'EHXTXVM8-4.C?!!X`\`>`/`'@#P!X!_.]XGG5*[SG.<
M[WO>]^G.<Y_GO>][_CG.<\`C=GM]>IPGANPD401BBE9#<D)9D2^](W&QC*G7
M&?AAM2'_`+")\Q'8XY]OQH^_JUJ2A*E<%I4D77&^?;]7$<^]?6T?52?^3B?N
M^YM/^?\`DOGV*^O.?Y_QW_X>"%5ZSE%5U4:":L!6RUDM3S;EIJ-RI=BDU:VU
M4MT*6KY*8)+QN.)^`C6CDV%+8?:?CNQY*NJ1\B6UH%3H5+AN/>O[U8S34LJ"
M'Q=:C-`K?07#,BT#%='#,LGY``,2!5G6V6=B%,\G+>2Y.3UZ:N0F<[U3R_OZ
M*V_#)-$]6LFCR#K[T(\20?LC]FDPR=@G2H,:1)UQ6Y2!D&-WJ$M`WM)?D351
ME]<YUJ2['^OX_4MI$N9D4[UJS&E9B*R47P]*HP*V4^X5^$1,]=DB)%"L%:LE
M+%1245B'*DA04VIP4(1)4^_(9;5R0\\IQ:E!5MU([(]0<9F1ZI`^&SI!U(MG
M!9H"S:)RA1F=CX$+6L^Z=XYQV;([6V*Y&<YUA^.X^\EQ,A3K3S[3@7,A2/2_
MU[JM0,`2CNB'1EQ'2*`Z1,7"U6@PT.N\/'Z,)'CWXR)2X$`+"Q^KM17E-?C1
M$0G)$I2N/S77!;F3`5Z=X5#!O5Z8,.V:!.>D]-_R2U%2LBP29<[821;]R[Q]
MGYU$Y>ZV13[;?&D)3*;0VEM$9A+87,Q\KP[(P^E$+;5K=?[-H&61H63W4K:[
M%*/SC/Q`.76IC;43+B^/GIE5J^I)Y#F17TK4U*2U,=DO1^?$#;I]B/0?63U\
MOMCU<XV5NQNZR;^6'VRS/6DR..UR[-"L[L`=NN268XV,Q+HL*N`9(B4TW(6Q
MV,A+CK_$*0D*M$YSCU0RO)[B-OU4DW!%BA@R(<U/-V=\\Y<.SSMLLBC=NEF&
M)4^><BE+N44B0T_'XIN0EMQ+C<>,ED')OCT/S6_4C'*M9U6D=&L[Q!BVP+B`
MAD;87G"JB\-,W"R-`JH-=>^$35G++?BLYV%S[T+>D-M_7C$:(RP)5T/V?P+'
M;)>M">,_REX[H`<R3LD']J>C5^/'N-$!8Z>FB);3#8L<4,U6GCF'6&Y/7FUQ
M&Y*&FU.*<<"K-)G^$819,SV:MTF58I.9[@9T\!:Q44J2"H$$GK5=*YI,*H36
MH@NR`..72276EWDASK+W>*AK;CH82D5MUY\FFK_J1B9=VJ6\6=UAXB-.RK+.
M+3;M:Q!:_601>IMM''-!A36!LH](J]P>>>')6PQ%::6A"6UQDQTI"K)!5O3?
M$JS#BIAQK,4D\DF2DHT3M$Z3/,E;(SLS9LR0[$_$'JEE/]^61Q?&&&6..26E
M(;3UAOZ!<S4/>D^(*K&CTZ!*N`:GZA`%0;N`%6=IJ!.@11T4>9:_)D#Y1*,U
M<QT1'[3Z2/HMSJI$?\>0M3W0N=:^I/J)Z^5[-]2LVE5^Y7);]SBEW;C73)EL
MD..SG>56!4"$I;C34A+&=5^MR!HE/?N7^.3?_)=?4W'ZT)6JH5HUZ"^M,&"8
MB0ZP:'I*5Z17ORF[8;=>%,*V>=OPTD+Y.E2HD<O7]-F-R8#SC;O&(<.-!ZE4
M)A#'@MS+:L7K]0K&SFR"9"TLSLT$3*L/)C[$X*F6:G'V0L>UTF[QH+,<39*K
M=G*S`=(1%QD<4_#;7'ZPI/U\$J5%5/67US!'K%ED27<CEO31&)QWMBMEF,&T
MY_:IM3K5;@K/ROHPN"&9P<?`@,\<5)CL0G'7?O=FO/OBMOR2Y/K9A58-CB)*
M<18)D+L5*UMD[='V></V@KJ]G[70$9Y^-V3%[-U*R/1(7./.(;<^B?JW&;XV
M%6161Z'X%._-2M-Z<@.5P571`KMZ,2`M5F`%Y0J%:JX+D+?@Q;@T0PZLOKE/
MHD)4^.7]6_LE3$2`N9-M!Q/&;>G+\WO)0V_/@T[0*E5QZ+#,$$[=52E2@5^\
MQ2K@9J"U*ZU'<'D>/,<BO1"46-(CJ;ZCJ>B)OR0W1_55HABC.=Y8?FPK>S=B
MN@P=,N%PN*K:FX6P;8PEKNLBRU:7`)3C).OVN;!5&^UN`X-?5$;1&1QAU@5/
MFK\&SSOTSR.A,#G(3Q\B^U(RNP3?_LG^*)(W;*XU90+NS,)A"Y46<>?J<-Z?
M&_+=A/K2M7&N.//N.B7,B-@]>O5SUYKL^]')5AJ=+;5BP(A"8G'C\8E:J+:L
MR#9829&B!9BW%;A-+4:NBE-1%+;((9XEV.MQQUQ0M6^/4\J?ZU^JW\1?U6M6
MPH]GULF"-.C623HLCE/CU:,[J)-X0PX1<:'PZ*8A[?:(Q5B7]S[T<LXV^\E;
M#'6`J_'J3L1ZWY*6P$_Z]##>@-Y@[-,U,PW((R1)IT/`^@4M4.%20*&\2JZQ
M43L+DKB'W94;_OHF./=Y)\"KK7U-C(]1L9DIMK,B/:%L6N/:F/Q_Y@9;_C/;
ML>HUJ*RJE(;D(G!)Z+IG(TO#D<=<>BD4.+:4E*^HXH+F:F1Z:XGRO%A3@DC8
M)A5E*C$VWV8X2_EEA4O7I3I6Y.Q9D*00DV`INM@<G_!V/USDQM#/&D1XR6PN
M=3;>J&7D<NH]OB'=$BZ59K1IECL=G,0["4M;(@S!&5^CJJBK"<F2S)*97H%-
M89D]E)CNMROD;ZRWQ'.>"-U.H/!#@6J^LWK9J-WF:J`UMS8M&JNDNDK+=FCV
M.:)-@S(0RNA%9D?&1J.2JH,>-@4Z`VE;<"'9V'(OR<(I=ZM?1JK2IZ$QD>H/
MK_*+U<.LD?\`WU7PZ=D@@6FX,J).YVBYA3W[R4,<8<7+,AS<%<)@I\7/QXY2
M9&__`'I7/`N?^TRQWI9EXVQT"R(/7,@[EAH_*ST;8&L^M(VI5*QG*]99F:!?
MY+0"Q*'3X)RKPWA\E,GEC&H;_'C%&HW?A\"YDJM?J5AUUT:3KMEJ;1/3U6S/
M[4+O<C\9VS5E.<(@-!JM6";L1Q\13";#4]LF/1WK<YLZ32OOTE]XD2YTIZ%*
M)_KE]<QM<6$@3KZ)1$K5$!_N'[,)-RX\//YU^G13$R);Z_8*V0+G6;Y(8)RY
ML&0IY`P8\U\,H;%D-BW,PJ_ZY>JFEUBL5G,-H+E@[D*Z)CSLQU2KV)=OI_/]
M-B]!JQ`Q$@'V)5>X0IE1605#5&(,/J;3R2VU,=;="K7D[W"C'`X]$!XL5..(
MDD)'2)IV(\0<Y.(2IZ(RW(4.!&_&'HD\CQ^<:XI,=I'%=6KBEJ&2C[U2L7]G
M81``]<(%H10R=LJE@8H=P$RIE;.GZP1JI\%8>#5D5BC<428<[R-(2T^P[U*E
M)_Q]/!55<F3:,>SL?E%YJ)2R%Z?4BMQL6LFK;TZ*'SJQ8B.CNZ_,/QBQL?+"
MP8(>W?\`D-(F1WXJ([?&GDN-_=]0JZE;VGT>Q:V(!.S^V)!2LS8<\$7D<J-E
M7!>CF-;+S$J!W>HVFH3VR_\`NP['?Y*&O]0RJ.J/UA^,T]P6YD_W;"J'K(X9
M+MUNM=!B@*]<*:0+U*P"*TV5SW1HP8;>**>?,B2L%FOVA`(?Q;T5,,G$>BM+
MA2XR_KU0B;1%[#CF<Z/8Z%$=VNWRI-/9.Z9GU,`VZ@];'.$VK16:]HX:*S59
M-C?A9_"O#PT,ZF2L3Q*8Z)K4UU'%*%JUZ%CQ*)"O%$+UJV7V5HD.9I)FP_NQ
MBA0WHI=8UAZTUZD1NB$R&.,9]*!1@DGKO5RI"H#O7^H><6E`E:,Y^?\`7'UD
MO_\`L#&HEO,3#48B1E6X&+M\?E@#$2%`LE<E_1I<!QM:8%9W#CS["FWV$+GP
M>2D*;=XR\+5KDVXWT.PJ)6YU6(\MQ\46?7(-M$#`X:@JMXOMYN6VJ'50E<%B
M(LF9[!6#G&!L>"S':_$1'0RF,CG0N9B7GT2S/2Q<:+?[_K=K,-#XP<A;S)FE
M2+$:#10EPKB89)/*$BOM3?T=TE,)*Q($4U'ZA#K$QIY4AQ\%)KP7RG$*1VI5
M^G)49Z%KFFLZX,4DGSLOMJ:T>;JB/GD\C_1X3VSD'/JQ]O/K%^C?W?X^[P2K
M.55?U[T87.I@"FV^TU+*A4#6!5LJP-%,"EK'6-'BTT:C.)AH30XTX[1VQ0"7
M&?DE'Y5F0V^W\!5'4?7D+=]?)9`3U,Q)ZS![W2CI!@]3AEUSY189S.K<XTJ5
M<+]8I(V1*ME*MCX`W1+CH!E4=(YP>ZE3O8I!,MA'&.45?@C5:_KUP6J_/P6[
M:?L(5N!7S7S-T/\`**.BSTD_`,Q2L:B1C-/>B*E=AMC*[)#5UL<VU&2-XVRU
MQ`7,WUW]'<GO*S"Y=AT(0@Z2D&B$482JTX<\:>TG6].9*.C+33[(.E/#S.XV
M6/&:?:=C,QIC+O&OSH,&9&"YG\(>B^.%`%GK$XQHSH:RT0E0&V&[1%BRJU`*
MT+)\_DG*P5B!F"\"TM0L4KY"/-=?D=B%HRY#*6^.*;\"YGX->BF,$XNM#1KY
MRK!]G"C`-O%@@F6R>-P((FL`938<S9\VL=FA-%Q%/@-N,+G/18DAGDR`U#G?
M23P+F6UIWKS0M8`,5VR/V1B'$S\]F\.0.+I7,:!6`UGM@DOR5&8AB,:GM%,Q
M%J^A!J7%E-<?9EL269#K:A$Z%11O0W#6JE-IDMRXE111LH@JJ>7$I62_=UK:
M:H6^>"/`0`;,>:+WL_SL9B(S#1U4=+;2&F.-J%N9@M>@&&Q9AN5`EW*"@S58
MM1::Y*J9"=7AP"9+DY^[5+6:IY.\UYW,8KS$(*S'*)@_@P(C$V/-2PGP+F6Q
M_P"VZL+QV7BDFYZ--KYFV'+=;+!*,@U7"XR[7H9+2K>,-DVZVT/BA;.:+R8S
M[0V(/7''.?!#<C?8A21*\U(1!])\BB%IY9XK?R:G/Y)#K\(A8X:X%)K5I":\
M$)4VJM10T1YJN(YMQR0S^:Y.FMO<B(_)[&AQV$"W,LO.?7G/LM-#3U7Z?[/%
M"+T$B?LRO)K'X.AVJO7"P?(UR,S][W"]9C?CJ^O/B:^]/T5]WUX(VV5U;/2W
M([<*"BY<ZYP?XZY;'PTN(4#3^QI-RV6O[H8=EB;)7CU:.-?S:MQTMQB$&7$Y
M"^K2FEKXVX@+F:J)Z)XH.JP2KCI^@P$UEH<Y63L6U(;L0`T#J..U&NV<;/Z+
M4QP]7FL*K\Z,MUEV.J>R\IYEUE];/@MS/X2]'LV,E9ATI>M;F&US4V8$3_D5
M:B.T[37B%#,F-;J\4?3H@Z+>+";S<9+EM2&)0+[^RFV1S,>=,9?$N9:>5>NE
M(QZVW>[U4I;7K!ITQTUI+Q4K"=@7FVKX/99NYL0/%#13-MBC1Z8*)4)F)Q8_
MXXSJ'&HL),8&ZE^>"#P!X`\`>`/`'@#P"G/8+.EZUC.A9RU`Z4>M8)0]B!_*
ME4I,E]$N++90[8_XG>XT-CCL;G7&I04K`F-\[&EQ7XSKK:A4Z.IP4#].?8N;
MI@V[7NQXLVY"I66UN<4ST:BI,$ETFZ^L=P7#34AF;#9:FJ_*Q^Q<&R)]@GQT
M-E(3$.`+9Y*1P:NCZ5,/&/1G4\JE8P4_-K!BX475NV"Z6ZPW0=90)RN/UFEU
M>XVT+G#.#5J-`TO2A]64]TC^T;L(DJM4B0>+QY<^')!R3_L.B-V];;9J6W4^
M]0HU$GUV%!R\>^:LTXLFW9M%H>CG;G?&*"&9!$Q!IC>ZF7:JY]#TT6G@V*GY
MOSV>\C)$325#.->MQ>-ZCY5@-:$Y_*E9J)PJ.5I,O\@#E]^B9:8J):VT@DN!
M7R3D*KW=`*2TI3HF6TOKZ?RHCS2GFE!7W59RK,]&-\E5)>;.6'-'ZF4J13]J
M2<MU\3)&F"N`V+%6,["@^U1SDRAU_P#9QU1BC\]B6Y`82CL!MU/%=&KEY.^M
M>Q*%HL''@0R,`$`,PT&-;HP]R%UN$)9"YCH=0J+]=$Q&>#_V%1LUE&$8#+G&
MH['8"5HZEQMKP83H<,"O3S1\L])=?S?I4_8+X6I%ZC2J36[.+/TK4;(3S.K4
M-DO+C`\<SZRUY5AFUCI-^,/X\1_/GRI<V>4ER'%^#5R<DR<4GTKN`>26L3_<
M^IQV>6HTFIC:C/+D1^058;[16+<+31*&0?K`!M`9^N38+;?&H$&/*)M*96RU
M";9\!R7Z_@5>-]!M5<FX\MZ51\_[G6>$*1)*9?<%PI:-$BM/*7[&,K+XT_9B
M=KUAU;:+0,8-AI[S45IF4;*,K<X@+ER=-^I60Z)@LJS4TKEN9U"J7LK)OLV7
ME=IF$*O63-9S'`\J%!^#S%5J90H>T.;4CQV9);AM1H3;+*'79,N2X[X))I\E
M;Z?Z<:'=-9EW&+*S^>#.:2W8X\XP6/PK+E<'EFQ(\5M]$BQ:X0AD+M::_F9"
MORVE21R4PY4;ZRG8RYL1P$TD4I__`"\M[2*M\"3J=3*1C(P5-CBW"IQ4<O8Z
M->ZA3ZB-+\L=0M8!BNVCU#S@553O)(HM'49FSGG(4Z,M7'QJY?K]?4[;]6?6
MY6"_S"80;@225C%98"&3WC2K59AM9H.95FKIJA2T=JU-BSQHJS0R3L%,,8/B
M=CR$KY%86I32!ANIS7:/1[0T5#HZGN9V[8&B#MI&I*&2$6K<TM_:M%TAB\74
M"4H-S%:*(C"K=$9FB9<1EZ8J-](DX<_$@368:4D='>JV`7?"">T=MQNO6YC2
M].N>D!;)&D%UV8,/MV@7FS1<TE,$(J82*;3()UE\1V,XA2)!*<V\TZZCI"?2
M-I^#G"?Z&6L@\4,FI-2/FR`PG6)<Z%;+15;/.H17,/8ZJ%:6-O3-9,$:Q#*V
MG6@LY:FXLF/]XSYW6'W(T9M0MQ'"GI9[(6*K.4DT;QU`H[2YK5AGABI^MQ8!
MU[URMV`P::$I%7SX+5VZRRT6A$))&'P0RXXE_D8/%Y\2$A<O)*U^CESL>SW"
MR70?CTC)S-MI#Z:6-B1(H>S4O/[^H_2Q1^B"<TKXY4NKT?C(A7[8O9/SY"'5
MMK@P7$06PNX^Y`SWH3KY&C$J?+[F-D)RIF)F"5[EV1QBVW6LY[F-,H1[`CSU
MRQS3!L?/H-DKS]F#S9$<G'=(]9_($LRNND/!;D=(^S..64_E?K1FM>SP-M#=
M3TJIP+#7-1L1N;6"`,'B>GU[IS0K9`J1N5.:BFI$-[LV2&6W+)J8ZIIEQQ"F
MQE/EME%F/070D5AF!%GYO>+42_DD`Y:[D3M`\G$L!7*,ASRF;Y!G,A+!.(:C
MD<[/2<D-#6N-]K9Q]3).(^MY;HMR,:-Z3[K6;-<KG5XV,2;/(G+;CG)5PN80
MUL3A)[VPBRKKK!2!GI%82P"1?L8.<;C1VS77W0K["93$=4+L>"Y4_7V)"&](
M[I![7$V6F8?>C52V/,=0CZ25-&V+U90X+/9M"FT^;.E9\5(UI>5\)+=J\N)/
M>0_&CL\^$=*6\_Y1<=5^IF8Z3C&7"\PO$.BL!JNB8W3U5,HHD4B"95AL#\,)
M:YL>@9\+LQP8"[`7+L"(,64:GR)+DJ/\S:IDT9DTW4Q/9[U_,[PR`@0)8!H7
M$KEUKQN$==)-((QK62HDA4=/ZZ+(4N(Y`K,II_G5)ZKCR4\XI/5?0$Z&*;]>
MCRO6"[X16)=9#R29W0Y57'-N$QU,:IYW83]\KV;S^#8?)P6IRZ/.8KDUF%&=
M:@PG'6XS+K+;;:Q:\U.4'/2[?TQE!PLW*ZU6K.DJ1G!!USN;,#)663'M85J^
M=Y[`@T2'$/UD>W[""HJ97?T3<-H(_P#!!^-4-ED6Y?K^1UQHGK>FU^O.=8/7
M)$.FCJA8\`ERW:H6.TQ8\'EFA4BV6-%/.5?D,\".2Q];D<'R65QW4RW$*6XW
M]5KX,I\U.%I_];^A%1EG"6(E0[5%E^L[^,U9$PRU$K4<J+HA:AQ1EKK<O(CE
MA-U*[D78]M(?%8&8D&SOORNBYTB-&E.C=R_VEG7;T<OUK$Z-.1,H4>Q6)4/M
M7'_G.2(@VKN>S,C;K1EJY]@H-H!0*M;J8U$KTM2P)*$ZEGC;X^1"3UA8ER-,
MU_75-8<B&H_*8]:0PP%#JUDM!HI9[B"36,U]:ZO58SUQCT^O\F/5*PY/8'X,
MF,.@H8X3;?8CQW7Y"&PN(VQ_7+?)=>MPVP'ZN=/D#&RFX!X^?42'&+E:,\O]
M;S+6_P!"%RZJ.5?0PQVYL2"4R7+LA9"Q[#S!-U42(E`7'T(]?,E?QX9J0=T)
M3Q#%OW;6]1@2JCSXOWD'2K3(MK)*R1/THCD2T1%$E0)/..3DNHA-N\D=XYQE
MH9;J7_X(?#N%Z9^U]/IK(:N';;!E'YM$D6LQ2K141]Y!5L)']E61F>U)(BXX
MP%+`\RO^@@[C!D%2RY,QTA*8F.%$#X\!T<ET3H&K>L^RB+0\)CLW"OT61OU]
MOELE0=@+PNW459=\<TZ,<C)%6UTS`%$JI*:ASQ'T@-N.,28W8RXSW''X1R5/
MO0K*C>JGME/K5=AZ5?=@F&H,DB1LZ8^SFJ>.=O"[/ZW0S-GK$^H:[9#)RJW&
MKUV[S&(Y-0EN"\0?0R%'*DM)\<EN7\CUYZU>Y<DX1B$;SI48,U2@56K"@.I2
M&(2*E'M$0>9J5BM#VI1;-$MK06.HO$-1`,TI)XI##YQI7%Q5B51T9CF"W^EW
M+72-C!6&>];,8EYY5K.6TTC:X'!57VSV,FT6I$X1NVD"72#667FK?"2<B//=
M;CR&I4SDA*^/4C?!00/TYV'(\OH*:5")WO0C>,"*EMDJ?:`%>,Q2Z_\`VFT^
M:)H;=&-XN#>75\ZQJ>T/ZHJ.:(.1.?L9TGLC['1;DWS^O);GK3BOLU4+CG=U
MUJP6LD5Z`C5S1FRVKE+4(=%#_7G"P@]MFL+,RJS^SYM%=LTM^?%B)G2'Y+TA
MQ];4OO%"-KPBH#?KM[2HGQZGFG=#R_!`6U&3E;K`^VT:=I8)FS,&B\^SA2(+
M4*6),Y)7+W,Z1#"+$5)%H_[!]$D3,BQ84!H6J]?)OB7KI[<QQ"1@2W6M;-HS
MW7;/=URMF/S"<?:A9+2(63A0DHH8DH@UBZBM6BRI:(JHXX9RCCV.LI^1/@5B
M>13"?:DE9*.KD[6:^H9LNA'=.N8'4H%C1>'B-]JYK*M`J5<-;)51]:SRL9T*
M)`2-=DCW&X?[+[&01;C:)R`JOMX)86P3V,N?IQ=<9=?*`[U(U@/)K!Z\6TL;
MO-ISL;?ZA99Q_0RM1V/L(?<"S$4CQ]D18$#9++33C<*`J4L?$"JNKZ%OX1Z[
M6/++3Z]E"D$-/FY]ZAS,3O-S9<<<-%+/'L64E@PQR47+V&S$@L7H0T['^<A*
M9B*<5Q"D_-].B-IIK[D2KV);]'VT;HA<[:E"A6D25PX'-3,KK2<Y+Z/[7F3C
M4FC-&$UPC*EU>YT5OGY,1V4RB!':94WV!WZ!54I^O0KZX^O?LE4K3L=^PUN3
M&.E=$U78:J!F:B3AUR]6V:]ZIHJ0.RPYY6;#&!;*"H]T'NL\:;BPDO(5UM/R
M->!54H_UY)W@&&^Q^?Z)M3UQTV\G8<FI2ZIF=CL1=BQTXRTW``,T6S3X!#1#
MIN'<*>@?*9GMMUL+&FKF2'G99-QQMQD&TT46]A'M-8(>)5)%+OE4"BJU,#ZZ
M;L._DK?/M=BM(&ZUW7R%C,?[CGNS*A:I#X<A7N0P3Q/BWY*G4`E1(S#PM8KD
M@'^E_8K+:Y.L][LF@47*JC0_7X!*I+NSAP%=E9I7XGKV$ON7R=#E[CW^.:!%
M.5:UKADF(8Z(2CGW6I%C[R9QB(+5/A>3]4')/;S1LJJAD;)V$44N6?")<6[&
MM^.P7X>5%\OAA6<GE"GK-%.-:NSH[BK'_,/P42787?JDI\B^0N`VDRV#OKK[
M5S-0)/N7O80V:,PM@CTI>77T(]9`,4O9-L2,@$9%WU&MC.S;-3K15/U$N2*L
M+XX@$:XX^)XVN4\)54^YW9ZV-Z</RBLUW6*6U3K36QL,4XF-9.V6(7C(:ZY$
MG<D2K?>S,,BU$6VU/CRBY/C,]+R(\V;&2U+>&72O!??@@\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`<X>WKEJ;]9MH_A"S3=L<I)"."[7B1T,9
M5/E.1XR&X)BKH<L8EQY#O4*E04JEQT*4XUSJT\\%CYY/GOHUV]@/42L7=I)N
MQ6R]/4NC.54BN)<-/HP5S^6^X^E!LPE6BV?E6ZPLPJ_""U6.27'?L9M_D%C[
M([LF.ZP-I*3^W_0[0PK1MLLNIVD;H;L*13C,;3RE4'1J&0K+M,8H6QDZ"!%O
MV"05G\L[]HJW62#KKK4;JEM?)'1QE?><AEI4X\G"U<W'><TY!S[-9L:_M/\`
ML-8*_8_8J_$=$)5'2R<F"",5ZFD6KS)ELYI9YC<Z4',Q:^EP2S.&(Z*:8>EK
M'0Z:HGY^A85HWSVL[3IH@I7VSKFCY%O&FC9D#-KB!:J83)8^J0#=`G/@;$T9
MCV8^^3H#`=]$N*3G*E%I,1//A;3&A$HGXNOM-[*C2L<=69E7:L$_>+I1K!4[
M32IU?"Y,-K!0]#R:HV&SSGGY1AGV``CF";9QKB_D2KJ!C7W/,HY1:BTW=KU.
MV>J7N(7GD'5W[-)FQUV):JB(=&52.&A`$%81#,2G>H+'GJ9627TE.2VVY\6Q
M1)41?'.,-N.!17+Z&ZWO"(X.A7>[XZ<O12VZF?\`5^D#QCFJZ&-ID"FQ-;R2
MKR80$C17UV6FUTY38RDFR@U3LQR%U]]2^_<[U0B?/)R=0*'[&Z(]$*%=JTS)
M(.<^M5:'Z)H)BU:O,L(*S2`GL_4+M7`^?S'_`.'WB33+@@3-<LY&2_8I#%:@
M/MK4[-3*0*Z+^TZX]?,^I^P9OCNM7.+<J[)RX?JM.&C6=1TLIF]M%2"=GJ)K
M18\K0)W\TM%/NPUOI<#(.ONRH$)V-\3JTLHD.B-T="HK;HVB`_4KTHT!6@%*
M:=;*#YI&^D:6?T7I`-_[;=NY49UOKHM]M^8N]2VPZ7792N)_9SVN(^DQ<?O!
M:*YHT5Q]S=^@@K-#<&!Z/=::!M%JOX*?1[$X1K(J/</7[E8K-<(EV^U0MHEK
MI]VLS-?BS'>12I&*S\RH[;;JO`M1+%;E[(#;3.(5&MR?XF.M"IB\_,T"UOG[
MQ)T+>=2HT2'*M!JP27J6Y7ZV#&3U1XL=<5B0]WO4M0E(;Y!1%=TOVV]HR%8S
M<O8S68LSKU7=FX+CQZV4D21-R"YH.LU?([()@-NRZ=E^;W%LP-.O"UR#,3K(
MQ$ME3DF5UJE<8G65>V\[K7I]HMIH%FL,#9JWD5HY+DR:F(?MU=T9%'EGJY-_
MB8],VNDGC<9^"6$MQ_DCDALZ')0WQN2A'@S2DN?!QNG;_9;-H^KVNHFY.EU6
M]&N&QIZ?G<V*Q5X4*O>F80_K0Z4N9P5T(Z`T:S&?UBV&AD9P5U7.=;C3_E&J
M+U_7DZCTNW78SZ]>MUFULR3!U>QVNGR/9FQXB4M<2,U2)M$N4F$0AV&I)C7(
M#0C>EHK:3,L>XUV**E/I=?3`_)>X,KRZ?R*CN_L7M%;M%GIV+S8\VNBJ\(%Y
MH!*9Y=KS.B9I)S#.[!5/8<G>"AQ)&[1"MZLLNMJ@2)"')*X_W*=Y*C3%K%HO
M4@UL]I_9^@#H@JZ7^N`I!VTDH@6\S,$.N]7P'`]RH0NG1*N/L$EL@5N,_P!=
M:Q-=D<7U2>6!]F,VVF6-ZR+2/Z_D3.![.>S5\TZQ9W78W:$J41S$//>/Y?,.
MDLI,3+>.J]]AHBM2H0LA`*0)CI`-*)S'G7(C;4]49$1Y+*A**E2\_5O?-LUF
M^SZGH]<&`H];Q?*M2.R(U<+`^3)FZ52K&*@%@)*3Y+T>54#E4N\(JPOBGD\_
M7]7\:ON^41I)<'*`#VAW'.6*;10@D_,BUO"#!VTP;C1CY,DT5&UN9?H]U&2X
MB'CQ<-R,RX(D*ENQVW)[3\6*P](CK<\AJU/G[EE2?:?V2.&B5RS@+$MM"&SC
M0^J4UO,K)#EZ9PIH7MW6:H09M,^=%EC(K(;&JF\PMF)\4SA=3ZE?!.A];I+5
MX9#(FS^PHNSR=<SFWN[]"*9#E8>>`:R(_5!-UNKR?<,W^M%C^D>SJ(3J-D`A
MQ<R-]CLQU+S3$YSKRF%H"B:IXY_X&L%^PGL%?VL'$7>W!AL*PZABYL))I=`.
MF).SPN>R%;@6RO%#`-U(S-2.45@>B0:CI^5IV)+_`/+5QM,AM,%$O!>GL)L'
ML7F6SZ:G.RZ[0%50<$A4S-)^>N%8(VPZE8-JRU-W@&@RHIDP/!:O-I,BR-K>
M4U!`?,M7XZ>ID<H237)!ZM[6>R=@L&5NF@T:IMVVRU0*-H<K*;6HCHS\351.
M+[A!;.2)B?X@UFK`$Y=H4A:/I*"SH3KG78;#JW@I$M/V%VGV:SW0K_*S$'"N
M-7JE+816L\YGQ@A/M5O(XWOV@)GJN$$LVZXW#M&:@1[<*/&1]R2#S*UJD28G
M6!$DU]SGN=[A>VU1K=+/.U:N:@&G@CFARSU'IAX^D]GM5NUKS`@*Y)KC_!<'
M2IUBOU`)=B1VW&D0(!SXFUH1UR*+:JG2OLEM^O9(;P.KAK-7$6VUTFVERE>;
MSPQ9%:WHM1L^%`8F?UV9!)\31X%G:T`POLEU,AR/QIEWB^-1I''!$DRF'/9G
MVF$RJ5QQ@?8[.?#LV*MYDSD-C%.ZLH[I&KUVR5F#8D%IJ:DO$*%4`1B1*=ZI
M1%1;JGD-MR(K;8M$0O-_:;4:QVTFB%I=T)O3M"A10-H7C]Z`CB-UY3_2,)_#
MJ\`XJ9P9$"#[A<_G[]>-?,'E/OKXX/(JZ*TOU_,W4_V$]B)48!<(6S5NO&W\
M_P#99%JSFW95)K%$SS7ZPYDTVL9G;['+8(V)@E1J]..2HA)2OQS'&')2FUP%
M<2V)1?[CZ+X'K0+9<SKUK$32SY%H8!@6X?8Q$>OVD!;)56`6.>%M0&&[(@!K
M"U!/QGY,:.ZZPSU_B4+[SG@RU1ES>"#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`*
MYUO4JGBF<VG4+Q(>C5BI0F)9!4;\3\E]V;.B"AD",LA+'C6I),M/8C-N2I,:
M*VMWBGGFFN+<2*E5T1RS#_L*Q,FPRD-7M/.&I-)"7Z+6@M>`DR4P!8-(CXV-
M7!)Q;6NID'7M9<=`I6P2<CNR(KLIIUP;QN<X+:S8'O?;'*RD6DX$O<&:2INI
M6ET$EFCS;4**XVQHSUZHI*H#KU+M'++!=RDVPQ,8B/UR9)C(:9*+4\UQ06LU
MMG]V(77:Z%IF<7U-F7?ZC5='C6<+7EP,E@&];,Y8ZJY/A;T\F20.SZH6_4K"
M.&HW?QT.RE,M.(ZH+3(">]F?RD,#9E/T<@:=%55@/-$UP!`":-=[%#Q!7*A0
MV2]WX0BD.3_8&N-_(9[`',_._P`5.5R%*<0%K+&(^SE91DE%V=H=8*_6K/8"
MP\D%M%;4Y;1S%9'W>58Q3PL2<<B0#L5^DR4-N?D2XW>HYSG%?(E21*<T*M>]
M[J8Z^/C$,=UF(%FU._%K,DS#HG#%?+5U6%-U:DS*W%NI'ADMJ4?V'KZ1W8LA
MYB,],0S/5&5R5^(+:RT)GL6%#8Y7=#J677(G%[K%,PN7FT3E+KUDI1\ELXK"
M#,*<W)LJ*C^+23\I??M'D),:8PRCL5U3+J7DB4YH<_1/['L\I^<0+1M56MU2
ML+Q!YAH?%@5>#!LX+CFJRF[I3U&;ZGDH`V&Q\TYR'*?CGYCT=MN(.?<F0FWQ
MJWG@Z*VOV0J.6F*I2B>=:+I<K1!"9+$"D!*J3'MC"]WH67#6#_;=:ZM%0W8;
MCJ`F"AOG'D(:?=?D_#$COO-C*52A+5[T!1F?'C>94T_;2JJ@/MU'K$"IQXG\
M3IK=!RFRDCVAHDW(7&6%KDS5Q460V&6[,1U_XV(TA$9^1P6WGDMW0/<G-Z98
M@U:KM;O6P2S$I`OL_)6J4>"";%(OL/,(-6-%CMWK,2%8)=[GMP%,\ZM,/O''
MI:X[#3KJ`42.2_?3'FIP\8/!WNPD3V:T34*N+KS5&)G+")T(SF0(&'37DWML
M_6CR9VN!NN).QA,-QI;[C$AY##G>!:RNQ_\`8_E`"N%I^D,%&"87;MBQPBY6
MX@9@,P3RJ]W48?AQ7[+;1SM@,T.E!A4D]'%]FR)!$FB**8FR>/18XMCKP=``
MO82MQL;ONWV.ADLVC";]?JI)"&IU/_;W6T4W09F,5I^*3!&"`I^?H!L!`'C>
M3'VGVU.LL.?1MM#BAFG-#G/*/=?1;_.QF44I>=Q:[9QV1@=0[6[.5/S!6E;)
M'T3]3'H93D5@69I]6)T1B-,>DH1)F)**=1QC\%34H:<4C77;WFNM'S!B]6X%
MG-,EU4!OERUQY\E8K+4JM6L8]D`>#)6++ICUDG/;E02DLO)E*AIZC@U3:(__
M`'D?:%O-$=54[;#=DN.A5XA7':[&'9+GVQ4B(?'OBK*R"N2[X$EA[L,01(-0
MBXXY0%ROM;6TXB&2:8=;1(CO?49I_O*!H'N;F-\I6?7+6,[MU8TVG9VSL4T*
M1K8KY:X_/S*D.E;)5E1+8<:9&6*O[0N*/0_*_-0SR8Q,1'?94E0TXM.B\$V<
M]V*7([`*!:U="XR0<T*F,U2`&KLR_'[?3]=QG&8C,"*F]L0*@R];M;CH<@V3
M@LGR+WDMYJ(PU]9`EI7#/OEZKTJQ76?!KMPA6VQT^'J5_P"1QU9=L2R@FIQ%
M,U.P0Y-UZ1'%*_41G''9ZD-4P>RVZMPLVM3G52HM9UCEN]5/6K1?JE7AQB$1
MSEJF*/N%9M/6R^]=ZJ/MXS]/'!VLV4)"6A9-I"3"8W`1"0EY`Z;-_'?4W2-4
M*F]K_9"[X$S#C4RC!;S8;=GUYD9L&)EB`KMEV$+9LU"5"A/OPX4WX8%D'7:=
M-<>;2M]ED0[WB%<^OT%BD_)7M1]X7++H;<7E)(2LCM3,)JB7^OPV234-TE>Q
MV6AS%Y7,L`Q^.*/Z,_)&1614(@\W^/U]]33"7'&PMX^YXU3^P&A1R=*KVA_7
MAG3[)0QM$56A\,8WT!<\Z]=B[-B."+-;>&5-N7W>(\+D04DK/C0O^\ZQV/$F
M3$A:_0W&Q>VMRS?V>!XD(JM=.`9]%$V63^3'M\>PNODZWO-FGDHMECP'J#`'
MUF%C+?71DQ]LJ19FO.Q.*Y$4AP%&JJ5?B?NUL6BQL++W6C4VBT'3K)&#2->D
MUW4XM%LQ(Y5<J.U2CU&,>'"255/6,Y?#(.`;-..`"9>KKB1%NRR46.V*XI5H
M=>W;V9HM&NU]H),::=-9WEPO5S3[Q2@U<7-!&CLFOC8(.=?;O4>$I:IT-SDF
M9Q*0H]76VI<YB0^PRZ,I-G.;?]C.4#'8!ZS)FQZ5?%4.1F28;(2/9NB#U2@'
MK>5LK)6VQ1A%%3G%([*HP-P@0E_*G\"-/Y_S\&K6_!>8OV$R.PYU:O918$XP
M.RQW1J(E^5#!RKNXB#80D"PU\<!$V`E-"SK59ZR.9:%&/U91,AAC\N-%YU/>
MC-'6A10?^QG,@9)ZM[&(L-!M?#6O/30SL.O.S:=5:#;M="UQ-I&#[H<*F#=C
M'8V5[Q^NM&1B7FVE//16ID3Y1JQ^A*;'[D2Z98"\J\T"T4JLAZB+MSU-*`!I
MC5W&.9U["W\R*ZS5KV8J48L\.QN.[!;Y*?\`N^=<9[C;[J51Q%&O@]"_]AN#
M5DV+K5PB7:HV!^%<IED"F855=*T9=+)Z,'E13PP-<"Q`TLL1RHRB*_7FC<-M
M++2Y;T5N0PIP+6_!;WKCIQ34(NO32N<3LM76-B*5B+630L.*L[D5=%S^U*,6
MM->L-H`SCA29:7E]D1)CB'(W&>+YQU+G/!&J'1W@@\`>`<W>X,FU1?5_<ET:
MS'J7;WL\.P:Y;ZLM;5CJY8DRD?$L`-QMIY2"@AR5^0SW[%?1;?/KSO/!8^54
M^;)/VVW:L633=.-&2M?BMYA3LEJE2M5=9[FPO8LMOMXK6O70HP<M^;!Q<6X7
MT69!1"SQEMN7$$B^0F93TN,P^-VKP7D"]R-CCO"+C>8&<!,TLY*MH4ERN6P/
M(SFO-W'U@!6D_;+>4L[@N?'>';P4<2\N`,C#>!V77>O([*X@2U?S*3(ZSK6V
M5,W+&6,G6$Z_$S\TN?#:T1T`'`'6/1>"<#`:]"N55>A#CXV^F.K=5*1-B?+*
MZTXUUZ9]XM$OY%\YO[@:F9Q;?-(O8>FTU-"LH*JU&.,:KIPQ2#!VWRJ._7=4
MK+VQQ4A6Z7)4/ESB]@)U!'(<J1+DPXD2'\KPCBJI%8"_>7V-FT:/I#E=S;]+
M(K<$7^I8IMRD*AV1_%#&HE=-FV")=9<250P,H&XI8F+'6XZ/4O[2G7$-K7!:
MO!)Q&Y7D3@.?6,7H/^T;Y8_;??%5]--<*06MGJ-&T';3O0=-#S"5J)_PF37J
M]$0A$>5/A1H:6U,/+C_#U0-*OVH0BN>TN\V;2Z=<Q=FH=SJ=:%]KQXO4*C<V
M,\U$5?=#],81%NKCE7XG'KMRRV7K)T6Z3D/E_M=$N-.18[BI[+*I:+Q^O4M5
M6\>QME]?;X8+*JS.CQ4^J=QJ4FE!K;0!;<38;?39!6CEGB1'02W8PMKDF%.*
M,M]<7"EKZJ"A3?T<IFBK]N2M9WN3N&9G8=3,0P1*XEMBVY@Y5BC9"PBTU9%U
MNP&F1LWN)`U0K18(5/76$.SHT*J3FXL!]KLR1`1)B.NBVIK[$J3[B[Z%4^&M
MB\N8L(&B72\#5MT&X!X^ZV\?C&0:K7<)S8?-OQ%\'<6WM1DL.N_,;GD8HU#D
M4?Q?)O(\%$16V>W>J6FGZA4H^B98_!BY-NTV@:C2*Y8JZW[.6$!GD&;!JF!D
MB&BR!U0MM'+'G&2#_)Q]YZ1#2['980S,^`+5]SHA/L]?7\[]=#Y<MGV8S]6T
M([5M,/V^L6-X!D9L!&/S/](DX9:T55UG2Y9P1_&D%R$R(/F$([S\6(YV7`BJ
MHHJLH87[I^QEB`ODJ[S)"#XJDE-1M76<_O4MNJDPF7VG0;+ZQE&FKZRN/JE)
M+U^(,*EG%)6TV50I09F0A#3@6KUK^O4E`_=?8-^VSJT%NM(.VV=JFGY_VQE:
M1;)5>H5<$[QJ84&%,9W7]'%""5L%T2K#'&"#\B%*E1)S#KOWM+2IT*(C5E_L
M*TF)74L"JW2&;TH$#.6(0Y$F.+SBLV?OJ6B+H5ECV*X4T4S5!+.['Y/RDR@:
M'+:$(ZJ7';B3W>!9^O[2P]-]D=ZID+`K=-/Y?547KUUL5GN]9_3HNU+9O:K]
MZ\@I=_#W4#<4/$J7F-*T([9I,&%*D-S`HV2M<WXV^38X)(_5L]EM=_USCEWK
M;%6+6FS3MFKL*RQA=Z[G%CBUO4@>;U#2X],%6^+TG6+K7)*;#`CR2$KXV)*/
MQ)JFU=D.`DB#VKW=]@*H.L81=)JABS5H,?M4VU1JG8!M<Y1*KL9?URL5LDCC
M-U@"A\X7=H;5J>A23L>*U6OE0Y,;0A1%`6HP9'M[OY*0``F+ACU",ORO5VSS
M"E+'5[5JJU0;IKF>T?295RL8G5R<&C3;:S<T.!XZT.0OU"_R1YDFZQ-[#A5%
M?RY+1T7V+V>D;3?ZY41E?>J-=OK4X\BQB+S921\(B)Z35=`2I3.6V$$I'WIW
M8W-6Y'A2HG9(M"_Q.N.SWG!**B?Z]2$;+L'L(`W34.5?1*O)A9!9;=:0%")4
M<TZRC/1GJ4"T-08^FO743*LJ;G?VY\<:6DM<2.D,2TLM2G&DL,@DJ?Q_XDHK
M'MMO]BHOMG:EU'.Q!/)C4H#G0":IHH=`G(^DW:B)&:94*WH96VOP7Z\!$GHT
MJ3'JSY!))]N-&5%99ENT6K@K'0/=_?\`)Z!H!&W+SHC:Q,\SRB3X&8'0-6+K
MI=R]H*L1KEG<LVSP8PR9=1WKK$G#WHL^1/5,/='P1Q!S\9U06I^"3VWW1]@:
M/'L]I(5.D6"N.'+9`K(`73KE!.!T?[VT'UHS(84*.VJ>S99EGTE50F$)3,,<
MW%&RYW6V>H^.0R"BBT-C]F])H&@7>FJM.4TO^)!L68BL6ZJG9LXP+TVW`*[H
M'L&Q(5>:]&<RG&&9\KDZ`RVY\+\5;A$G!CK;5X(DJ%(QO<?VF-1$V05!R:/7
M1PHW)<B.YIH,V5<VJ7DLK67;37RW-$A-!@&IQ![3(=ER'.<'0R:'ENS76TMN
MPM(_<VA[VZ]IJS*N1E\-F9\%`'78A6ZR+S6_13:>MPO<=RH12!SN@$&BBQ2O
M6`2[/ZP/8Z059'VVDQ>,Q%O46Q_7\B2N>X6I7&R%R-`=SDYCXN[M5-HD&`VT
MH4O(:Q:[-R:`9K%Y%6Z('%L@HZ.DES&(<YN8XS]K2F&E<>2%$O/DI/\`]V>]
M4R`8,RI\"Y2PZ1J`XM^";@-9/3K7G?I;.4;T!HOI0<9?Q]:5K5A,_MK-/'/J
M;&R?J0BL_ENMBT7Z_F=D>LGL9I&FZ*7H.I?ZX8.-9)0=$%CLHFB[F!BQBPT(
M@],L]U"WVSL!#9<\84\*#N0_Q)(/C,H>6+?9.[%&9*G@[I\&1X`\`>`/`'@#
MP!X!3^^.9DWD=QYL<9V5F\B.+A61$=1)F4RD@=%P14Z',#R(987-&FY$:0S-
MC/,OP76DR$.(4WQ?!56O'DH?0O4G"M+$QH\&P$HM[L0BE\A:<O1+98=#.4"C
MVBD6.2.B69VX-'B`24NO1GD26I/6X!>4DHW])G?O6+5HS(7JQZEEI<:5#CMF
M7953++D,-:Y<2,2S#B@J\4LW?;#`:N+D2UV::.TD]!D6.:B3/ZLF[]9/R\1U
M`59+;'ZY>N96WP+*:A<AV..8)7IV-$T:U`(9XB#M\F[/&;-7QMG@#;5"IUR+
M2)L=$]B1%$R)KO&TM<>4GH5="/7/UGQ%^@I34(U2K$^6R,;H=M-V&Y2PX\N0
M5DC(`F)FU_0*@<_;KYC=8Z*ECBT68Q,'LOL.*6MY+X59'<2HF(&,$>R`P5E7
MBH>OMNN5%M5VLDR97AI2]BX9IC1BL><NT$2Z!HZ9=B<!Q9&:Z^AU#G5O2%(3
M+<!MUK]2<V#U^]9#J3,DLP.9:ACYW;([#T4\(:C#+E4\\K[;YAR!98O(3;XC
M(JU,&2%];<BS@D:?$6W)0IY05D2EG,,0:S,?E3))KE2<ND8M#D\T,PY:".FC
M=!CZ1TXNZK/KM)2]KTAA).2ZN8Y*>F][QWBDJZCHE76I7URROU6"\K2"4UJN
M6`*42%HRJAHMK"Z#^^H(32KA,J=/[6+&Q:2)Q-6OUD7-%Q>.R)L">I#K2THC
M_&*G(GTGF#ZS<PY7KT&U6JN?>#1,'D"JFZJ4J5VR[3N56S='RFX`&U1;>%KT
MY`TAQN>]R,M'&U,IDH\$Y1#9_J/ZQ62!%IZ*^ZA@0-'I?&5S2+J&(R:L\$K5
M5C!3[H"U0RA6F&(&;BD.PI:W(,Z0':=<0XZTI7@59:AZFX[>["*MQA0(T='D
MJZ)%$6+*XGB"])M46\`AC;,`HU%?(BK-':E*8ZA3B_IQ#B5-]ZCH<HIVN^L7
MJ;6R8JR`8(^/S]`,E`8Z=1M,JLH$T168+591`%^VO5_LF*C'ZJDD5;8Z\\V)
M93)=4EQ[CPM9&Y5ZR>MC97M[$P5UDP[99>AN6JH:5;:J])/%Y9L^=.R)X"T0
M&)2;-"N;S))2_N1/%=A1WOOC0AZ8X5EX+$&TS%P=8ME0?_C)6G'+F0LUDK=P
M.1[6`8L^C'D7!43]=:)I.&*BGK&6X0@CD);C)?E<7%:3Q:>>"<D$KGK+ZRY]
M:Z%+K%5!U,UFE<ZNHUD;:"PH)"#B9%I1!L<^B-&V0!R75WK^:;@E9T*0^/Z8
MD\;=0IQ/VA5T(AI6:^LC#&;3+%)B.UNTVBU4D36QI)LZ*TB5[`ZU6;D?'SV^
MOS")(/W7H@TLZY&>2Q!2AQISG(3KK/1:LE^2TO&*98M('U8M/96Q+JN"IK]F
M*O=B5\32*H]=P6>4=TNZHF2#P86I39S:>/R5,HE=C-]1'AM--`ZD0YZ7^J<*
MI0ZVH06:K@7K:UR)&Q:0J:[78M6K@^)4#=C?NRC!/.X-2I`KXPLN2X*3&&-.
M]9[]%K6%S_F2R/@_KP#*V#04CYUEM#LQS52YI^YW&\VLGV*5S2VC)\9EPZ6*
M$QD"1C5:;%0V6UQT1QC4:.WUMYU#HE7X/X/P_`0KEI+ULR?H3LJI0PER_C&O
M7BE=@0)CTB4'-V&`/M<!`BV0VW'H\0K(;:(M1N=C<=^)I#:!:LTN*9/ZTP@U
M#V[,$&@@7N;4N-2))._7B*.K>75^IN.`JPT`-V5R"'JS0DKPC.@/-?COS>-3
MI*5R&FG4`V_#+/L<?!=5L%4G'C%*M%APG11UJKW6K5%_*I&B%J$3@"7ID>`4
M92J:1HN@.O1XLQ+K+K4MJ2AOKC;+B!.41JN^M_KAF]8K=9!5@/7*Q5^5BK5V
M&[:37(\-X#I+FE5L.W*(G'7Y1!&C3%2T(<<<??>7\*OO;[QOP*MD4C9=ZQTB
MZY8BN(G`+.-(FZ]5R50O-NC1FVJ#GU)@GJ==YPNQ<ASJ]#J63`NR1A?Y8[D@
M8VXMOY7'E.BU?):5ARW$](L731B$'/64V+I9Z/*A628B?*"4M=P8JID:T++,
M]X*;9T@Q%<D,)XS-CDW&'U.MJ2C@E6C\F,6R8R-S*ND>$DUO(5@'*C4HU]M,
M"KK70)M==JJK778A]@9=^TPX#&28?[AJ;^)/:;<Y]'%]^X*OR:70,"Q':+#&
MN]P43L1<,QVKUR>/TBV0(=+.#;.(-+)TV(#L<0=4]`A6BK0%+(PD,DTO0&VU
M+^B5(Z";1HX'K3ZYUU-%4%8F5R=6B0'M-."]2NH^QRGD#'X$4.NQIMG#=F@6
M85#<3.A27Y31?C'ROH=<92X@*OU)(,QK#>U_1Z'SJ;'$W(I8#=^;-WX_9K+<
M)\<2$JL^0V=)6";8XO\`$P8L9`B_@OL_IVHL;C7PN)2KH5?DJR3AOJSG3\.(
MZR=FR+*0G9';!;FC7VVKO3^V'KH4DB]E&S+01[<(Y2Q7@[,CO'$2.0'2$CL;
MK2/HE(M6R6,>O'K?.&AQ4Y;MN_;0B-8$$;1JUOM]A/Q!=>T:H3A#-@-6P@;.
MN@ZUHQZ"KG7WGHK3W?N[Q<=I385D;)>$>O!RQ/'H[45XA=X6C`3@\3H!UD-I
M0JR%+,0O(&TUT?84"+P-%FK>5>3&E,2$"'YSWP\8^_O/!*LV/KL*QL")T4%C
M4\R8AB=+EQKR=.V^T7V>;OKM)HTZ3.5<+:;L!$XVW5)8B/Q;<E3#/6.LI2E3
M:^>`Z^IT-X(<TYG[5Y3I)\!2H)GJ;N<&-SDP1H6[3JER8_7TV]@%!T$K3:[7
M"%@=I[G"G('W-3N0DK<ZSQ*%=\%H_/H>EJ]L<.J\\_7';K%>N@099YW\54+L
M;<V1(J]WKF:3(77DA'F&G7KY<!4%G_*E/MS4RF4N14./)"UE=4GWGR2UTRCW
M*:]."(LE,9-FZS)KFB=O@VVSF<5<"4VM45R@LV"[NV56Y!OUS\5#;L]$R*N(
MQ)0\\N*+:_!8^-^R=2UZUWBBLCCM>M=/L%LAL##5;M@I@X`JA0,.E&1I4[70
MXJ61&O6(>@J/CO/R0\B8TS)XAQ7TX(U0P9GN5ZSP4&NS]2&1>5\.%-G&I`2T
MH>'#;"SI#HSLF/T%\WY3B,CL/'8R4JD1E#_M>;0I^-QX+6;\C[!U65E8#6*2
MV[90)W0:=0.L$XY>ID!1$[K(K)K-'-"C(ALX',TLW*E(EP9,1M_DB$ME7$][
M]W`HZT]2$M>Z7K_'H]?MYRX,,/6`5R8X#K=?O%O(+(QH%6EEAXF`/IT:Q'&X
MT2V0Y,=W]:PN:,^^8AKD=F1UD6UEMW'<,UHE*KFCGC<M=$M*P:A5L!U^PV8&
MV/L<=N6)/%IU>%DV0=:?BO(<41F=8AMH6GJG.?7G@E&^/4HN[>].#5:EZ#9!
M)2QV(S1X]F8'U6-G.G,E;64K@[194KE:BHI4B>;J\:7DMA9F&H$>6-A_II2U
MN_:A'R"J+J6O9O8?-\^J]`L.@D95?7?@/+'%A"P=BM?ZL3$&"BMHL1IVMAB/
M0M,J+9J/TF;G)BC827VE/NM_(GG1*,K\A[S>L@F(<FD;\3AL`"\@5*2_GND-
MR9S8^1>(IFP5^$JI<F6:G5YS,K'TB9'MR1D)L)*<=?2VE"EBVLD<OVSQ.,W$
ME-E;80A$;?=L^#%Q^::+)!G+I0I<T8?K@.P]JZ`969(.BY`X>MF0J.5(1UL1
M''EI^G@EK/[E7MAB^Q%ZM6JP6/0;;:J*)T&!5[53K/6B<,<4KE9MO0I"24%L
MAHUR%UBZ"B$P0F6N>Q`(L2>M]CNI=Z#318.TZ3S(<QM>@LUDG=BH.'&8J]'"
M/18QJ[W,Z0B5RETH/*F_^'#)6ZTEH@YEYW_M,KD\6O\`X)5X"570JI?N-A"!
MPV6Z8L\J45JF?W%@.#SC0;62>A:2`,6NK0(+58JY=LV?<K58*$I,"$J1,@CQ
M<F5(;:8:ZOP+6;8G[;^OPL3#,IO2R\,K,6."-UBK7"U3K"2Z;S>N,0:\-KH`
MG.-R9YS7JY'C\C-N<?440M'>MMOK:"UD=#^WV9W'4<GSG.5S[@QIL4L1EVMD
M!;1=>`L1,SAZ:,'N&B-:8!2;=,KY<:]("N2V"L&).;>>83SG4\%HZ<D:->\.
M9A-;=S0I7[T+&B;/H5%MEP*42YI%B['2(6*DF"$3HZO$X\S/9T7:(Z9-A?>B
MC8#K'..K^Q]MSH6NE2XZI[(XQ=PVDV"MVQ9`3D,><1NTI5>LL54$/!BF9';$
M%C3`[$JTUN>S7R"8)`4B9$(+AOHC..J0KG@C37DC,OW$]=HRB4:'?'CY$9:C
M5&Z#JE0NUI/$;?7NTOA.O`0H"N$"-@GM)T$2MO\`";?:>:?<<;6IN-*4R%K(
MM/\`=O&.%@JJ\8?LE+<8D.V>Z0`5O_7BWYF?5G1*F)K;7*ROM^L5F$7,2A(X
M2N1-CODHS"V^274L>"VLMW%]=':YE_\`L_\`33*P,58M1"*'%H)6`4BCLVT>
MY4/\DL),"1!H3/F1ZKV2_`D14/PG75,*XKJ/N4(U1T*P%^\OK(7BUF9&T"?&
M:MA46,%-EZ'H8&6S%/1J9+`6@Y`-U4?.K5$.LZ,`_%/$&XPAU9B,C\CBU*2@
M+6?WOO!ZV)BQIZKA8$M3>R)+7US'3^/\K$,+$LSFA26?X=\T/+.UD@@DW9WN
M(!.P_D<1*5\;O$"VLVV:^U6:WFRA,^GS>`=,L$^Z1HE88AFRHWO\6L5\&CXK
M]P9"LUEBQ6"L9V0,QQ;LE$Y0^*\\AM;#7'5"--<D@L_LSDE4YI+I2;;I8[(G
MX47038'--%LU=`3Y$6*2E#^GP%6)""1"OBYK,LHU$>?6+8<3V3QI7_'@4;*P
MLOL[ZHWRSC*!8[*;(/UF]A3,2:[3M9$Y^U:J?86V0Q0C>HX`?02X4'>$Q(Z%
MRI[XOAOL1/\`RDI9^T6UKDGJ?:C'R6(Z'O\`79-HMM&S$4=(V:$&HUJ3=.-A
MJ\.MJX<*E&1(JQ/R"]7+P2,+[F$-2H$UB2E?P.<7X):ZT,63[?X1$F%AKQ^T
M?M!<ML8P*;S327B=D.<.BJL4KE(@LU1R3>K)5[,;BCS4`0F9)"3'>MSD1U(<
M^P+61*?[Y^MS42))`V.U79XC$S4@-'4W.;X7(DH&H',Q"AW8$==?B<ES@;.Q
MUN>9'(5TH*@%6%OQDK7QOHMK--4O?C#)=$5:K\2*9\2@&R@4I79-0OY!YJ*-
M+:)#[9P[K5/CN6*CQA.6'9LTW":=$P&14OY9'.,_<H+7Z%O6+V8S`%CNG;I$
M3;[51<JEW(98'*Q1K/-,%R%`+R*_:(].%3!H^1;X@T]%D1.38/S#G78SW6WU
M(:6K@E'6A(:-NV8Z%;CM&JI8D[9:^P2?EQ"54M%?BSV:Z:Y5[1_'RQP,.$V;
MM,M2OU)E(]^2H23_`/%E<:>[Q'0HT7%X(/`'@#P!X`\`>`/`*.]DLM)[5B-]
MS$,Y66R=I@C68:;H/E%JE*<&'A1KHZR#82VY4T(30-[&DMH[]RFG>_X[_P!.
MBIT=3YZ2_P"MJV&S1@N5N%6$*L]$TH7#B5:6<@`\=LMW)^P4^,%I`)L'$?N6
M:_@;PL?-@/$*ZTZW`4_^.I;T=N"-7$KNWI/LV@V>&?DD\,S\</RVVTX%5*"(
M*Q*[5)MBSBZ4_E;@QH%5K$H]4Y-J/QSCTN:]Q^.GY(<:$CK?);X*2-?;/139
M;RU994ZWYI4+%?JYK<6_%ZVNQFF#:+AL5SURC9]%@6(#\@FMUZ?:NQRAR&_&
MDF(S\N/*%OL+BIB!<D6)HGI78+/@F3997/\`7D:;1HFG0B5=O<D[=Z1#?URN
M6X*2L]?GM@@,U^P9Z0MCDL$C@P;'Y'^2$SP<VMIU@%*CJ3$OZD%F\8M.>@Y=
M!*ER7L.]O:1MK!.II%_ZWH4.Z)K&HQQ\1^21<.1H:6YA#D>9UJ<AF3^/)0S\
M"Q+N:_8J[_V)&35W03MB<736VM![>)0P96ILTKHHXUN6?;80JVB()0H\`L)R
M;E+Y7ZA]4R6TCI"%K;A<1V.L6[^)5ZOZ_;=6W<NSJMALCG5[F;&J_8+A-JLV
M+&S<Q$SCU%SN?>J!&AL.*BZN9)Y(3+"GU_C<7Q/>ORVW6^_*%WZ_M)(+_KJL
M@D03C<-4<S97]"OY7ERLD@H5G%ZU<<MWF@#K*X-;JT)NM:.+F[.B3.6S((++
MH'\X\00E,5J,%Q+S7HO>7DW&55+-FM0LC/+M:<OL\*MSEOPM6+,^MECI5PN8
MR,R/;GM5F_82^F6EN0\^0$3DI^]ISKJ/`N7J6%Z]>F#>";7<="C$V3@*=3(5
M8ITSIN?'/B("JAD-7*ULJ`2"2/*C^2LE:(1)[Q9];"YKC+4-CJGY$D1RJJ'-
M&5?U[7(SE59;N:<VRP[+PDC08M?I58E]=HEE.^NZ,DAZ:EN4F$B'KS<HM)Z8
M?CKZKX(<>.U,?^BGNBW<_P`R6M?U_6..'@#(8K.(44KFVB5330_;[;9<:YR;
M19K-;0%<`E&LU&*S8"%MQ[AM)$+"CKXOKXV4-(Q76WF8+C8R?1K8+/):&:+=
M,BMM;GC!)2WO]I\V`_:;@]GWKIGEF%.TZ%$C4P?27X&%/OH;:1])'2J&>Q8S
M497ST7(\2'H%<(AO2K-62]+Y>+!MK>E4"_G"Y9]JJ"Y-WU"Y,*+9DFDRJG9B
M=&@ZA,!0H9"5-9(B^_5J4&<:B_CA=P3SV:].M*WW4RUD:N5&B4J;F-RHXV$4
M$R6S8SESR#6,T+AB#0L6GMH!$B^@1"JWIQ%7(S41R*Q"2IWLGHBDDC4]]&;"
M,TP!9`*\>>JD'705_B1B]7(-G<M`53>[9L\4+C[4!C]6$FW6)<%C32N*AL<_
M!9<XF2E?6VA;N#=:UZ7VW0-0(76(<S^0*L5Y?,2DV825E':&*?E>O!-5GSUZ
M.EV,WH7S8>_"^]:HK7P$([WS_P#B.198BE1%+/?UI79,:Z1HVK`%1#XF6H:/
M4'),M=/T:[`P6&-DWGG"<?\`3B?5NN,4,YW\23V3V0])0RXUW\=8MQT=F'IT
MG/L^V^LPUU<<:UK(P>:#9[2IEBF5ED90"];6(FVN8)!%3U8'V(U(DP6$1(+3
M$=7V-QF/\(X(Y5*W+^AIQH@NQ@7\G)F'+I:KO805DKDR-7M/D$]IK.C5P+I$
MR#!GSB\&O`!4EB,Z^Q._#(<CN--=92XA0JE_$BD/T+U&)2PV:D26162B!\[&
MP'AD>3>*1.(WF)AF0XXV/&S!X^Q1ZO20TK*4EH3W6"<A?)+41^(MF.[V7!<O
M))W_`$HFS7B1O7^9Q>XD87/L=WGT;/V85ZN%J)>I0+`;/)"U<6)8&BB[,ROO
M$0/(:^NI;+.16FH_V)Z[1=]/UR2,%ZQZN;];/60.7)5J)O\`3KQ7MOOUXLS3
MRD!-.MSIL]K!:-46(%@`V^?(>N946R.G.LLLM/)>C3XLF-&D(@JJOZ%5N_U\
MZV>`ZS#L>GTR$<T.83F=+5P9.C1B!!ZD'*NZ7(AXX<.&`LW"3-822&0XTAF,
M-ZY'_(G+YQYP+D6KEGK+JF#:-2KCG0*@I#D*D"H6J!7;D3L4Z:R0TAZUE#P8
MJ;I-;57Q><B31K@V$'1"BFG)T6/(&Q6H$=]%(W5&-H/HO8KE["S]:@W\.'IQ
M*YULB_4VQ1+]BU2B,,0?V:N1YC<SD+D[0]7RVA&T/];^QE(>6A:5JD(ZD+N*
M'GG'I%;L]]4+SB@6W`PVM$3%5M=1TW\LK8@R-%S$10H5`T8E7E!JRH%,GD,]
MAR"PZ'V4I?WN_?/F.NN/*%<JRKZ%;A?ZU25<)YRTS;@YRFYOHA./6ZKV<8JS
MP/%1Y#,R65#(1U@19ICMVREVAS$1U1T#DSF3DE')D1/W\>@O+.S;T4=S[8\1
MT/LVLRPV8YS7Z\\/`O2Z>H/=@'^XED[2"$CJ_,;L$/0U[!)Z7CR2`WG7XW)#
MW)[BFTQZ1RJJ$)K'IOHEML^BV@LBDY,W.U[;GPY.KBB+&@72OVKV&LUZ&7:]
M3$I8B2#@$,Q'[5UH?D\1%(NJ6J+WO6?!7+_<:.K?U\Z97`^+`&;+GT<-1+U7
M[Q;QR)QB1R:?K-CRQV18*M/A4L`1&,WNE9OT=,!LN0(`^7+5.=>+2>K<4%R,
M(9_6]>Y/*C&L5[K\$77LYN.;U6!52I6'(Q86MW3$Y]*J9IJHBBVG2XHW1?PS
M3Q!RO2RK,!A4Y\BXA2UA<CN+U:Q:P8K6M!AV,5EE>G7O2WKVU6,<$D`]&KL7
MN?Y]24P(+!&*/>D3);])<G2'4QHZ%.2_M^WO4J<6,MU.GO!#FK/O53,,T)58
MI79%K7)J!_ED$I)F6);/2/,MYD/TEMH'1^OQ^U3GW?;SJ>_E_P#=^OT_X>"U
M9HK-Z88S;-4(["5Y;.6TI=`-YE-Q3R&`O[.O9L<S2'`;&?@+2@)(C&&C$B-]
M_>/V`9!FJ5]S'V*%N=*&HE^CF1/(AO0#6AA30>%6FJS9!E@&=+U@M3A6#B:U
M9122-?("GS`UGUV`+ZB;%EP9779R)$9UF5UI`7,M:L8_1LN(O:'(L1M^:'%Z
M;.-V.T%!34);&B&*A<+T<+(@BQ`N'SD^A1GT=91'C16E/<XCB%)^P2K?!SRY
MZ+^KNER[O;8Q,Y:8M_E;FU8%#+B.+`>3]MCUR%:V&&&8$J*R_3W0#BP<=WKB
M!+Y8C]S;G):T\%NDCHV#A%0B996LF?E37P%9/5FR1YH\32:=*F&:M>(-_@/O
MB*#4JG3(+<JP0&_R&X(J(AYOJOKSY%J=Z)7FI0)'^O3!2$"9%^>WIE/#L2@C
MIQ%^I6QD(_@U0(4.JE(-:O%/L]+FS3U4(JBG$SQDR,1^)ASC33S#+B!;F6AM
MWJGG6\@Z'7[43LP<?GT>?!$-UA%0C,2!Q07!$38CPLU43H(7(Y%'-<BSQ<0>
M4&<^1$&3&:??0X(I-%9$O5/!=5B2D5'3;=`,#AA(&Y9,]NM6F6$*$LA'<H]A
M&?\`G@+!`A-6/FPV2&IUR+\[78D=R*XS)A<>\%N:\D[LN,Y%[!UFOP@=]LO`
MF?#KUB9(C03XCJ;!5)GZ:JZGE=GF$09J-('E9-.B1B+T#D,K$E0N\C3(R_EX
MH*M>3E45ZG>O4TX.I&I[*BT;8(T2>U6!#G<TM4>D),N;!ID#-JW2KOFQ\%.&
MR*#JA&7+2;@%",:.N(ZU*90R/7P6Y^G@Z1(^D61S[I2+MTM=8TJBV`U9!XIN
M;69`N9/-ZE;M=<94\3JD\Y7X35KN\YM:`<T2J?`3&C3E2FXD;C8ES/&D^IV4
MX49_V'"T"PAI[8;.*R6M5GCX^R1))IL2A48!R?=I.;0K+![9JI2!%=G0(9"&
M,G-=ZXW$;)/=F="K?!?&LXU0-O#U^M:6(Y9*L!MPFZ+J\M3:P%@*@8Y#@-BR
MP'&G$E1@DK-:)L,=ZCB24&*]WO>-?:H1-KP<^@O3S&!H<E4LRNEXHTBF7$?,
M#R*/8JTX3R:>Q6+FP-IU>'F:R?""0D?-MKFP(L"?"EJC!YL13'4+9C/I%N?J
M:&;ZF>N./$@5\LFE6&C4VJEJSVGU^W7VJ`,\K!P?8,?L;2!Y`R&A&Y\^S%<)
M!_.V0*S5*0B2B*ECCZ^<"K9M<X]=L$RRR5R_5?6+&S7\\-O5R+5R5XJCM#3I
MDND`<<F$#*_T<<U+O<ZKB!X_D+I),1,E/R,PTR7W5N`VWP2'GKCBFH%]`O`R
M[G;+$T)=@_9LUZT5V:#"2+[6L6_>?IWAXAZ;'>,!\FKDY#<V3*^+DAQQI*&I
M*4I$JUP3''<)R;`&#]!JTP>B/HL\Z<A54N/SZ`3>#1G>K*B8;U>J]<LUU"@5
M6/B%2C;YHA':EMMNR^I4GG0;;Y*EJ_\`7[C-%@Q4TBR:C6;&*#9N,K]VCV4.
M6LP`EFA2X$8%KAIL=9-5^=9K1%N;T`Z[/@3(Y,?#AMJ92J,ASP6YGY,>IGKE
M1ZU4:)+M%IIZ#5O'C\\?[:XG;`YHC6?4BN`I-=<)B2/"=C%"\9A&FTOLRF>S
M(LF1);<C*<9X%S?)85&H@O(&[3F4S;Y%F3<H,ERIUC0)-:;M#5HOMHU"XVVT
M3IXB('D'9E_MEEF?8Q'A18<*(';8B,)^-U2@;KS0J+//Z^<ZK\+*#MYLMBOV
MGT`/619BUV<=F]LBGA@2JYY7'*8V/LN:R(`VK1O];P%PR$"*/M#2^O/=)\>E
M2%+"Y_R(]ST5IA<]7(E3VF]3Z56:]<,?TJ,BTU(C9Y-";J-9J%5P=<F%2G8(
MZH5VM<FHF*>2S:NN$$RNDU2%<=2+<=!4;U'RO.=7[L%7_9,6-X82@3XY$91R
M[4MV<6M)-HC'/DJ=)O5??@,6^7"2R*+P(4B&EE$IA];?5J&;FU0@5W]0\AVQ
M&E#&]-O*:V?TLA:;+3*T4SPW6:MJ+],F4JZ2HH^ST2UO0RYZN'^O28<YV2P-
M*.-E![,(@E$G@MS1OS'J5A`2L%7K*2L$2I"H\L]89)JT1X@J.''7N-K!9TO/
M7#C\C"&R@OO)+G7&^H@?(G[TJ_[G`N9*:-ZQ9U3_`%]L'KV$)EGJ%;JT>KCY
M>"-SZMV!`6R5UNMHDQI-&I%7`SR\`(TREDE,@2YTE;27)3LGO@E76I4UZ],F
ME1Y-IHUPNA[20U@FV_-NVV\5ZH@L^N5LN@6\Z;:ZW.#8U=41Y^AV$5V81B$A
M!L=_WWHL%@=&>[Q`JE]?!K\Q]`,_HM18AR;0:;NA.FX_"MEL`A\]X0=T')HV
M6.1+^#LQ^AF+TC]H4R,2[($SB<L`_P#8XM8_CSJW/`<J_P`#=$/23U[OB:_-
M@F2)6;GI2.(&%/DSR_QA)"K'=B>.`B(*ZTVXU!^<])VDY"GMRAZY43K47K/8
MTF-QU07-%]S<%I,S&KGAO)-@B4^[M:.@C,BD(W+`/=T^RV*V&Y(B:^/D0F'1
MQFS/J@)=C/M,MMM(<0ZE*N*$KS4@^=Y+E^8[+.5%T6RV+13-7OUB"4>R&:\^
MS5*WH>B0+IJM@KP8%7@LZ/"O^H_#.E.D'I;;4EO\<=R-%:5'2#;:^QU'X(/`
M'@#P!X`\`>`/`*!]IU79KUUV*1G!ZVUB[PJ,8(5X[0Q48Y<1TP<VF<MRNAY8
M>P-DR;D6.XVAE$*2^Y]_>,HZ[]G@L:5Y\%.8#I.S6G:KH`MD^V%J;$'Z0_*B
M6'+7*6'I:@>EP`>'.5>W=KX1J[.[!D3S]B+HY((_KIS:6TI&I7R%P5I4.:8F
MY>Y\ZYT6KC%RWAZ-IT`%8]!/9Q90F=WIN!;,JE5:B5F,UALFV5NL*SVQ6.'V
M45_7=19P[J_Y1.@15<E"TB7;Z^:+[/VWUBUZXZ8;#`-78%'I%0Z8H%S[(SBU
M-9T*F%:]::C'S"DD;(,IVB.3$Q6Q,,\Z^-2VQTB4D(4\Y"-*O'@YMM^T>QNI
M0!=';I>UQ*W:<!/QKH+M]#4LD6._P@Z=%7X$6J.*U&!$43LXED<UR04#R9?S
M_8FKQ%JX^BFJ17]I+@FY^XC)ITO<OV:`\?V;#TXGEE4SFP2M$_BLFS:&$=`U
MT\4PYJC)I**\BLGG9T@E/=F#FR3C5C@K?@QDB4C_`+"QO9*)IU6]BG]5JQ.]
MBJ[%QS,:(3M-;S$3HCN=5ZR;29E:5:Z7!72[,5G6G@48,;G1N-D(K,!:)TB"
M\F(WU`*E*?<N#U9L/L)>ZW>S>WRSM;,N0,X$5BNO4454DA7I6*4&R6:TQ6I\
M"40G&2EZL\],F'+=D0Q,B%V!QKY&'^K$=/0X`H)SW,HU)*:93YFJZ/>S^19P
M`-UZ_P"7,,2[)HM8]3=$/FK:6<9IHD\U9P>N5.`"_&BLM09KSG6'(\J9-9>Y
M#3I6C\'=(.Q^P1WU=I)%%R><U"S:92@3U\KM)<G&(F:GMY%@)YV95[EF5!@M
M68;DDISL^8]5H`QB:VY-;A_BI2A5,\5^QRY"WGWFB%394H#GR86=X[5[_,H2
M<S.\LVO0*T$I-EO#].BP,T>$P]%M)B/8`'ZWMF96QUV-^&%^7XY3HM(G16&7
M[VL+Y-NLW6ACT71\TKY.HU1;5#4(CW6^A:T<NBKU60_V_4]6S,6W`1+#+*EL
M*(!9C:>_(IWG!'2O'@I858?<..ZQ!N$RT:NQV]4K@V+8LB!5:+`=K&H^K$YD
MVB94@H;XOV4'1K7QYZ0MR+%BU]MY"4N09[TE]B^VA@8C</9U.<>TNEC1UGM6
M@%JQ!/NE-'ST]FQX%HE>]8`C_*QF>9-Y]'A:@/KVNQW1'6UOP?NXVME4XC(9
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M3@]HS\?J#$`!=_<B)E84Y)OXT9`RP]6M.FXJF]U*Q.Q5(B*F#0[5>58(W)@X
M:]'C-<9ZZMOKT'%77['.M?,:"*R[7X4>);AF3G/7S&+A@%O'AB!.9??8T3D&
M(,A(AZTO)Z[6;*#TZ$(Z,BM<^EB-SB[<B0I\>N+T7BJ^M3N7V9V#6Z=N^+4#
M-SQMARRUB58NTL+FZ;D/O9*!LF+U8J-MEJ_2DW\_K`V@VTW*5-X^,^UQODGL
ME2(BXT@925*LX[F:#[3!Z<UE%,:VW/@]6]79*YI.#G$HI8!=HKU,I%S%W"ER
MI60F([DPM)FE`#D*8>)DI<Z#,:CA(RV&ICL-43Y?U)\%)>PV37>1&J4C0BD7
M3]^N]R:E2\9$3U:G*)[30ZE_&KW90U$']I-1`8*W+,#"TEP?(ZAKOVRG8@S]
M<NAT?]AF3K7[W.URCE(N@WV*2FY%4++8X#."TI757D]C7LOJ)X8]'E523)&J
M#7F@TZL-PN=X\S'(K9>ZX1(19,<3VGT;T>PZ`,PV\6JC`OVFHP,LL1ZIUO\`
M!>E=G7J-5)9`*'X+4ZU(EJ>.H;:Y&ZXA;O>_']R>]^O!E>>?!\SJ_P"ROL$9
ML5*K=6/:5IP).^FJ:7MA_$WJFS:LX[8Z#6RP6W5T-CJ9M<ME+%'2);LR3*HL
M3\+C3_>$/HJ)P;:1>OK1:_91V_T\5?8IZ#FTZD_I$5*5G$:N!*7)J^(>LA\;
M.C'NC6[`Y/+WFYVZ"XU-F.QOI`_&99;>@O..#+IZ>?\`J025>_96F%MFD]M&
MV6<)5[=[.F/TK.:U^3/@PY5GQ(5B8ZLV&7F1I+]'J=2O9BP(["@'YTM@<]SX
MYBX;H]T6BX\%9SM<]L[AEEF19;EL^:W&!E5</4SM`PY];E[CA-4,0]$ODTR?
MQU4^#;!M0"15-U]`ZOOR8$SDML2Y^<PQ%%I&OV)>4U;VFK%E(AJB*MXZ+T[J
M\VCUN)BTLG7=!$R];]FN6*[VBSN`7EUPW5:T#J!<9#3,%M&'BJ><C34DV&XH
ME%3]?8[2]=K-I7X)BG;"7LEGMD0T\_7[66SY-30<KC&?Y+8C+DYVNA1].A.C
M+EH,T;!:_P"S)DQQ[B/I)>A3G^#+IY7@Y<]TZ[M3VG#$YG%TV2"/YZ.U<C,H
MZ[&N$/MWIP?L.IU.D2.BGDQX\W<[+>!`ER#_`(Z>@"'X[B'FFE(\&HTIS^JE
M!7$=["/Y]%6A.PUUS0JS8CMT!CJ84*S[<?VGUE]E[ZC/+J],!F#,,=1]1-"`
ML1J(Z-2.FIC1>NH7V,E,*J5]/TT?2OUC=TUBG6:LZ@2-'R%(N2*Q6[18*P-J
MA6S57E'I!Z.0?'A1PD+(1`-G9XYM^+'0E3<'B'>N2$/.KIAT]#I#P0^20.A>
MZ-:9&#&QVI$`'+@R-Y:#^J5M-L_C0W=L9T$WHNHB.ZK;1[1$Y0!MJ#-PZO)E
MQY<5EM*18=HBJ%'ANJ*`HX3VEL`3"XT2)[*,2M0QXC<*5$,^PSKY`!J<#.O7
MY$[;-')NZ&\@QG#MT.2IK56?>DO=^LU:0">2EQD7_<7V_8Z2J_K_`.S]DL3@
MS0"6G#Z>Z4G+T+LG>#"!^B73M4]D(3UWJ3%5NCQBK9,6EVFD(8K:>"4,OCFN
MK%MI@N/RA*Q2X\F[TK#]GF^E&"Y!5Z=I,B?6LR_A.F9J!V2)6;V0((P>WTP`
MW+U"1H+4<L!":M*&3YB?WCZ9$)I+O6I:6>PG035S9&964^W]2DI[6:Y8K@E[
M/M'J<D&0TW^/T>L#9Q\K,KQ6B=J6O4(M-TLB*DLQ.0R$.)#3%B0_QK""<:E)
ME05B0;OKW[4GP0H!H5?UN\!&Z[FI*PCRFTL`"@Q[*/:BL7VOUK/R-7WIYLI:
MK=D,"1PVZ;7\D></B--628V^XTBEK'RBX,#P[VH':/63>RW;2B@D7IUYLMP@
MJO;PRFEY3`6QQ*<>`0Q6M6\K8J8;<+PNK!S(%=%P'QD=20C:TO/NB-QIP9.[
MXC[16703A^BW;2@U7L&Z0)3K52O+\R>#SX;AM`!TP]6JB4UO,:H-#5G7T6*>
M5'.2'^%'Y#4F8,+L-M,($35.2M3'KO[?QB=:'5T];*A1T7U<\JSGEE#R#(Q<
MLU<"HBT11CVHY>,EU\)-*_*1@2Y1%B2J:TMP.2Y'4VT+6);I7`]LIGIQ!RC+
M%6$+;8FP';'8!`J]FB]H+9H>WFRW`\#K=N):=12C4XM3BS3B6$VL$KK?R1>2
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MAWJW[-U3.I<K+6M`HUK-URG5X]62NS3CDAZL53%_66JD@S3*-20$_FY(SG]J
M'PCD<W!*<Y);4LQ$C.-.L4M5ZG3%P]>=/T'!O6G-R5ON"C]4OHHQH-TLX_/"
ME[$U5R@Z8`G(FB[61V"GFC45FTQ1*E.S+"^I"NRE29#Z5/\`1$TFV4T!]2]H
MS2?+$9G_`"2%2RF@$EE!,[5)9(0_1ZUJ^!ISUZ.`+&Y`L7.=R:O6I,]4./'E
M3UR'$3>NNO,<2*VF5]%SWV9K>D9GG,3FE#R==H5$LPJ;6]1;&9K1!M8/>O8"
MXD+Q6HEC@0;S&(5:MVH5#@HAF'4]D+ZF,RF6B:S"\4J,@R/VMO6?YF7[-V>N
MTVU5G*Y9R-<MZEDM&>_:.>LY#5[5&N$*[%K$'%WP4"M#D2''F1)<7O9?4Q8#
MA%#'E#<4W]3==P#W,<)VABPWW<(H*'EA"NTCF?W$'8Y<F#%EDH,"JV,A;/86
M@.2K7(>9AD7"R(;)N</7V/VTP7^+:3"5C]CH'<,:W33<S]<C8`9_$=QS6FZ#
M/EH!:=8(XRE:):O6/0*+`:CFY)I;ER9A:`<AQ6)A%)1;7%?EN?)SCJETB:3^
MQ2$SUT]GS#)4Y5AA^H$VE&U9&C3M*&7B\9L-8A:RFG#[3:W+)>Y!B:)LEH9G
MQU\(F>PH<YF/\SG8BFFQ:HPCN1^\\&-PSD2=&K@6$6-7RL9?I&]1;+9H3V4P
M*P=SO+K;;W;?;V"X7=KX:M+1=SI:>S#"MCF93J$--QXX5CZDR9]=_:H,9<FQ
M=`O$IZF$*NJD6"?K15L*5=5H^5Q[M:[K56#:(-J3,S(78%=C%XTSXT2'&X[:
M93C2N!5$;]=@MWV_U9]R:"@C?;'(M%:DYQ59UDW1_18YB^D/6:E#KM-I.J`[
MF?C"ZV9U4E-?ZF$391#E//J<8A.*<AL`W229I3'K)[/A!%N)Y1S0Z>Q?K)/,
MW*HR-=(FC4VEPK-ZP<#5P3";V.N#!E]ET6N7:+)(0+,(DSG77DRC'W2HSW(*
MKU+J]FL8WRY>L^:YL"<TW423&56^FZ./@:&#RF_VZYF<6+U>E6FZV"'>(826
M*$WN2E\[!8,%([SKR9'&B:(_VN4)JM2KAF#>[\-^]3F]#OG#QK545E<'^701
M.?,Y%>CVE50CH^?J_P!GV>6Q8\IS2W@2#`S]!4FOSZLPU&C39+CLUX*Q/W6\
MO]S5W)@\?`Z%%%.;I1CSE#YK[TC/.UT@JQ`M2*3;!WV"*Z,W6:]7I,,E7N-(
M4R1+Q^(DU.&A[CD8&XT_D58OU>]IY>9U7&H]%T`+1J[ZK6/(RL%&]$GN6X]_
MJ*W1662IQ[?)3\0W,VM$!8E^('9ZT$6PY,,LM]?$QA:QK7[ETDL>]MU6.4^&
M:TF%'F'R4_-2#6S0X(?-*T_J&D&K:+T\`B[.]O9N[Y.6`"`SWP'UB24-3O9$
M#K?9CXE47:%R3?JKZU;)GX&QW.3?9Z*^]GA&P:F4LEQ?CO93E"-#@#-%L)DF
M5`&K!H<.UI@2WI;;8^;,3)84Q&XS]@E57[#U=Q30JCIEITZ_#+D+2;SI%(J8
MZYZ@3O1^OTX?M^R6VH4^TMHN5J!%+'6J191*%$_F(2$-N]B<(2?B><<"3]$=
MX^#(\`>`/`'@#P!X`\`KC7='BY%FMQTJ<`L-HB4\0X6D@ZO#1-,S&D/,LK4T
MV\ZQ'CPH?'OGF275I9APVG7W._8VKP5*KH<GQ?["LA?O!:GK"V-8ZO(IJ+'?
MA,ZIGZ&"DVGN8<E/D#@FPR.-UT/W8`GV%?L_")IY-7#4\W"6M8MK,`!_8?0;
M6<(5NM9=J)4W&E9Z'C#N(IL1]5EO1[-Z])`F?R[8TW5WZQ,U0:M]<]37)S,0
MBJ!R3V$I+@6T)50?;F'K6N@:+3![<,0/NEUJUKEOS0-DA'H4&A.6VH'ZA9*L
M;*!GH,]3#G)">+<6VIOK??\`T5T+:*IYE?=P*.&2K%'R/12E52YJQP8<ASZ$
MVHOEF$D6`VNZI'&3+;&G1@U<+RV6H0UY*#19M]MQB+SGW\;"TCSW]@56AD;+
M^QQO5(55KW+NZQ<NR<[D#S\>HHWMN"Z)$QKPX?0NUS_6RT-0T28T?K*/P')/
MP)EJXP%IGBO=*18IZ:_W)KQGUF39Q(6&.M;N?V%BRR&KZ`HUE"P)M3T:3%".
MQB5K%MMDI:U,)Y,6ZAB1R,ZWU46D."?V&JDUVCF#OKIIT)ZPYU5+Y9G`]ERX
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MQ7)H3HR`2I6EP#1%FVI<#.CJV[)'%JI6&2:`DM^/978:YMHNK)"I!W&7'8\Z
MP"Y"..)C_%(<"QFZU'W!YANQZ0$TBJFW,<JE`SZP(OE?C!Y/*]9#P3;;(2"F
M(,@]'/%E&!V7M-1%Q(2F(LI]E+SG$/K6P%M5QY(^,]\1YR&-+@,SNYV8<7`K
MHO/(B:3$*]M*CVH0YQ).@$M`B4LE5?U.:2'VGXW%MJ2I'6WW77%QV`M^I;.4
M>VM6V"^C:E6*1=X]?L-;/'ZQH)5-;CU\S)J@O-"MG`J&,6"39QI(8C5![*%O
MPDQI#\6;Q#GV,M+?!QHBF,X]V)(S/IIO9:I:>6_]D>//!P$6GR(8NLEK%[']
MIH,=)'65V.0?'U_UVFM///N_,[)EQU*[SCCG&!7'Z>/^G_$_=Q]X#/ZH*,JN
M27$#>>7C.A^A0[-(HY(=F-*LFL9'4YATW("W*3'/N&:QI?'8[0=R=(A.,OJ?
M;^L=+;X6\D*-_P!C\"Z918+/AN:74K:&Q1>S"'S+=1Z`@9Z+CYG.5I,Z1VVQ
MXQ6&B+K`EN0%A//&HDG\IIUA*HW_`'8%#GD[%]A_8JL>M]7CVNV5JW6*#.B6
MA(N)4(0V>2+60!6YUE%4L=&(E!:7[+=&!<B,*;ZM+3LMO[''&^*2KM,I5*@J
M7NYCEVUVHXG5JO9"?\HDSI`NR1!X%VKM(BD]&77+&U#8*NF'J[8)^2&'&2C<
M3K$21^#Q]3;DU'V"N+2J#?MQG,':3U(@YH6M>CULY4,T#'JX0STDJ?"O]O2"
M.0UGU65GM;A5>Q`$/F!DIQN=Q,9'4QG)*>,)"UTKZ$>B^\0_3O776]GQJI6)
M<V@2*NJMPCL0+)9NXVUN5LE7Y821$/I#MS#@4W\+D.9,BR1,[OQS4M?;]5!;
M1T9(Y/NY4%A+*C^)W.NVRN*=`FQI(?7S;58N:9N^A)(^7P9;(L0_##F/7PHI
M3D68VU,CS(:FG4]==_'"W^PKJ9[C7Y*600>H.V$RWL]$$6>TP8(:%7*+E5UW
M@-E8669$$[7'-%S]@88+--I&?F?@NLI>?^C?V_(+:O4VPOWBK%EK\8*?R>[V
M-JTU*E!Q,U4*C"J]JMZT.M81*11A@&??3,FMQ2CGL8$CK=+O_KV/MG(5)=1&
M0[)$M-VQ[(9SA_KO0+I2?7VX`J^>L>FA$9+4HN<B#E7FYH(U:Z:82)]5;X53
MFN-0\G,O-N1B$E\G,>C\^OU?6XV%&W2IMXWN]6U3$0R.7:"*Z"-CZ]JDAZ91
MY4?+"MFU$MCU$9++@VN0JSMW"[AW&T+"\G\@Q>\?E?%SZIX%I`(G]CM/:"3S
MELQK4*(QP2&D@6[*3S+O[\]9H^&$J[6^R0U[*Q`;TL-['561(F3ELP8:G9K;
MCOW0_JZ+;]ST+?V%#EU&R6:H8=HAE0S.R5J!-GR](J<0Y<1F/QMNE9Z^J589
MI@1*B4=Q]QPFY"4-<?C=;8=>^5A3@EI9Y_W(`B$QQP_,=!L5OFV:PTN!5!K]
M-C/2;16M9SO&R4+]R6M$`*S!;M&D17^R5/?;P?%D._;USC;+H6GE5_;P3H.*
M6O5A%4M5#=K\W-$-B+<-KM@**$:L(SRUTTRL?6;LD8M!*KZ)#4_'Z4:?@R$N
MI6ESXT\="WFAG5KVU8N-"VJW@\LM\(IE-`(Z.#KED+T^`K0JTB5I@8#.'%1)
MT[#KZ3MBR8NQ\9#C,B,QQA]QOGR_8@+>44^"]U[5TW=P%WS\G37^VFA,48LA
MJL6L3&C':IZL$[52RK`N[BR)(X#)^P"E)*)3&@+CH5UOCRXW&9(6_K^TZ]P[
M9!.YTM^Z"`Q*N-1[(?K<JO'I8E=I"S0,S\9Z!;0PN=.>J-D0A2521$WK<^%U
M?$NHY]4]4(U0N+O.]YWG.]YWO.\YWGT^O.__`!Y]>=Y]>>"'RO$^V5\Q1^XA
M]).G-R+'=-W"KYA^S;H-$^)K#2PV78ZVYVH4@:R[,8S"41LCTR1Q[KC0.0TA
MMGGU7X-VI^.#)B^[&I.:17UD\\KD6M!`L*#J=<!:-_((,15^L/J\_1K51#O<
M['S;H;%`/8!MJ<-=0(B?+$D\:D/_`"0W%A:J?K[F9'_L+/O"^R',@K;9&/EG
M/8B='3K/R"DX4JD@KXE$$QVAMHF[5^L/ML_QOK38U2V^O\+_`(ZT+Z%A.'O;
M>]6#(_:2S0Z,)H]@RK&M!TW-IL>T)N?3$($<W"D@I=C%$*U6(@0RX?QER:N!
M\TZ,F*0::<D\<:>\A+>5_$C<SW>M-2N5D`VS.Y<.<YOE*H<3/CQ&&U>:AFQ^
MF>M$`E='9.:P-.HY&##T+=&GE.E3HAOX93$1#O9"TMHHM^GT(R+_`+#9T:J,
MC.T+IK0X-"K-Q;A'[*15,M4&Z5BK6B@KB1<VRD])?+7B#RX<0B*):AP^T@BZ
M\MJ.E2VA;>?L="X=[6$M@NS8B;0!=1IAZO'S=)LB[T@P<)N5:-C#Q:-8*[RM
M#1X+\U_;8,>!^.3(K><@/]<2WQUCBA'&B^Y'/9?V/N&"[1F??D'2\F(Y?ISM
MQ!.P&^EYVB3C=%!8DL:83]9,3AJZ3>UA,7B>MRI]EB=[WBFD?4$JK[G.5,_L
M#T2FYEFT'1JM7]6TY>3%)>@GJZ0,T<1S:00$O:%U2;S^!EJ57A5AKPK\N/\`
MBEB!2-'?9>='<86EU0MJYIX+-N7O&::INAA/X?"J>A@XMFIG2@RW1S@L3>Q_
M?;,$\7KZ2]7%2+`)$EO6!Z9'3)B1W),<CSCK378KO'`4>?L562]RM>J>@NE^
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MQUSVGDQ7&F'^^"*-48MR]T+53\RA'48P];-4=W.XX&[G])/VBV`R-MHM1N5\
M*2:W8Z]FQ:SE(9BNTMUB'QRO,=CEI*8\SL=EE^4@+57[&+6O=\S>M+*Y+5<M
M"0K<(V.1DTERX:6R*$]4&I)K4;(886$J5B(R7H5(C0X3$1$?O7K6T<%K<:17
MIDMT+>*E>@?[$KA8*N*NC7KR^%K!*L6W5(T^W74Y4'SN054?EA21/I$"PYD/
M>N5_2WIO(CP^-U(),^#UM@U);?0Z@5QIZF2,]U=6B3>"3E%HY.^EVCZ`X"'H
M;]=RV.,J%N]M79Y:;;"F=S[>.LDZF>MZVEL.,2H"YS[2D<BLMRWO(+5_+_H7
M#CWN0G3#9UX[2A=#S]%)T>_5BU$;FY.*.5[*"-(@6^9>@/\`%H,2G\3R_P`1
MUCD:>6^C<:3UWK?>-<<I'&G\2KJY[_64Y(&\5C$!H>/L?Z^]D.W6SC)<``3M
M>$5RK&*96K5E5<LUBEFH6_#R'XQ.*"YQ@>\EM;OY$9:A;3*SOW`OI>I;+J5B
MK-8Y#0KU@5E5$CZ%">##8WL6.J<:HKO%W53X#]66HI>H;QWO891N!'8<>AJE
MMK:2L+56AGFO=V\A;0Y3%X]4IQV==8F25Q4?69S4*5J`Z[X91KDNP)=S51*O
MYY`G;BQ)%DDQY<\C&'?]R#%5/B<\"U?R-/7_`'2U>T.O/M9G1(0`^U2H8-V%
MHI5-EJ\F=CVS:=H1(K^?GL\,>0'D8])B`6VF6>3^R67)B8J..I0%J-#D?NY<
MVS`8'>J_!M(K2-%&5Z@6:+<!7\A%1)EA]=JH:B7BO":6*$!OU$K>(\B&MB0\
MH@N,XA;<),B+SP'%&.S_`&#Z,J/!+C<,&72%H$^@JRFK4:PW,_;IHTSALC:K
MBS8OT6;GX2C*H\?D,&IAMH;)6]\L^7!CLN/]"U?4WJ/:C7+R#]K+;5!U<JD*
MF>KY30\9$3K3'+36C(BX^Q=2_E-[C)I3DBJ&I,O,(ZUC.<-0VDM<9^13S<I/
M@42HON2OGMS9*H%I-!'TP==-+D'',QZ[9=/3"B3[#7M4R/&9EG/'!^?.DECY
MY+2NE''&0K3B^1.LH80M]/Q!;Z^A5<GWNU.UF:?9\^R=J95F:O9GIU$C7)96
MZVRWQ\JQ?29S/\?%Y^4..4RC!M:_*3-#<GF"B1CJ612URX33@6KPR\]`]L+?
M7K1ECE)KV:7C/M2Q>LW4$:_FEA$O3[KHVP8IE%`<A$NT^;%3F+CNP,39L]<7
M]GR*C[FH?7.)8=$I_:8%K]U38+/<^NPS+P!*4>`[[9KN,GZ@R*B`1GK436)T
M1FCDVZ>25H1`W+BO]`<6P)9EL\;=DN1$K5Q`*)'U>\]T?Z_(&XH"FQ8Y6'#X
M.5JJV+,3BW;=[UZZY-P&)70?@GF+!>Z$_*.Q52&FP(N6QUIXC(^1E(6HBTGW
MT+713LK):U"(,WJI<5E<BV7@16Z3)4.$;4:LMP,FXU'L!L+*@2L8,BF(ROSH
MLJ5$CJZB,AR0\D6WZEI>G7M3;]Z6W6C.>V%`VL4&O)(Z\^R5;#V>_"0M-;N,
M*6E51"U&+*,D[&Y,%MARA;CL&*\[);@=4PRX))4.]/!D>`/`'@#P!X`\`>`0
M^_Q:G-IMAC7DMT#47("NGC/+83HG1D%IQMU4SEP#%P)2O=9<0GO)+$R.M'_H
MOGU\`Y6BYQZ(N4*Z!X1#'5Y3<J[6<EN]?BZE'5F)2!+KP(/509$`S;^TZ/:B
MU6##8\:<EALU.A1HZ>/N-H1]!JLOYDI^+UB:V4F!C\$/7:T2VKS8_P`*W2G:
M8/O.76W*Z^(Z7KS5G_C%=U1RP6:O-L?8.9)DDL(;>6YQ#;:@YH8645?TUIET
MK`?)">;]NUE@6>U4J`%O[UJ(S@E&9B9Y8^U)J38S+4>N4B*6:#I'POC@BF?_
M`!V66D,]2@'=3GP>&BX;ZGUF4$3?*4U$CZ%I%G*0&E&+MRM\M\^HW#0[M'>'
M0CB05?J]U#50G+-BTLL!+!.2GLZ-)DNM]4"<O0B5*.^CVQ5NODAD*J-@-&J-
M`N(7MO:)TS]S%W29O7\3`<CV22)DINIZ;<KUQT)]O"<=9-[CC*/O9XD*21<-
MOJ_K=1"S):Q"Z;!N$:)9[\##++1VK>;_`(Y/%:%8B5;`2BL>89>B%*C#FN_$
MVIMMR,C[^I1]WU$JV0"OU+TKAT2$E'^M@59'@JX`DCK5>66)]8A:'G7*I6:C
M8EFK1(FAIY?.2G!L""^]Q?8/VMQN?8A'>"^ZIOSU1]8:1>@>;688+#%=AE:/
M<ZX*L=L),U8C8R*&J/=Q=0#G+-P6%L=UC[=,^\:$B,\(JFS)"T=?YQ:A.:5/
M6!0_4N;<J[/&%:--L\N]F[S60,/4IDH:5T.G"!(,\?@4)FW.5LU8*;#`1EOJ
M_7O."IC79?>-2EN/*"K(QH_?3)^N1KA8'L_M$/3;MVO@B-3N4*0;M5XNUZRP
M&3DTDD%L\&<Y91-LI5:ER)(F0@@*<#M/M=;=;_Y3@JN\&<C-/2!E=77R-B77
M@YG/<TJS[UN"O24VG#M`E7ZB4Z+(>.K?(W"FZ1972*XRU.DG2,[O97'5._15
M'N,;98/IE$DW[V"U!>=6`O00A.AW25(N4&:E^37JM=U-9X6J4BS1JJ4OC-<N
MIV.-A3XW2;39>2AGK:9#G>@KO!8"<S]=*DYG$,TV$@EY;D$1FW-!OA@M;2\N
M&U:)<`(%(7:S$K%8IHV->BG&HR7I*X[$Q2$)2VEM*!*ME64+"L5S;>X&P!K_
M`$(/'(4QK,LSH828V'B*9N(O.V6W%O3KP8'VRPF`F/#6A[HX:,DRH497Y*IZ
MFF7616W2AK-0JGIC7-.HU3M%+$G=)37;,L)50)R3)GBJZMNV\G$['46[:/:[
M'D)UNP-#9\V&\ICIB<W&=:^=:5@G)K[&^M8#T7,7BMHM)O(U74:7M5\#L*T1
ML>XZ3QXMF4FW3#4>#9(HTLSG1ZK5>5*@DTO,#IL&/(ZRAUI3G`]U/L1"/4?2
M.WV0)A!(#"0\&9(W6A`+'?S304L'F6"6*(`<]:=OKSA:@HDY9'(*K,-KM=C1
MH,*3^&VIMOXPK+R6197_`%CJ5?SK-;[;1&A&0)@OM.:A;?;X%GT"QVN@.ITN
M7;`2Y)"%TJ8!MVUJ<PA/6X[4.4UQ".1OMYP.?)FUNK>H./2!Y2KG<USA&)!!
M>3OLCM0Y6P=1%(;.3J[3+R%3:XH*;*@)-$I`MDZQ(E1%2Y+L7K:G'5=$Y?GU
M-ZYC'K/3[K'O4T14@EPNUGX?"S3-NGM(*6ADL3ODB13@Q8_T1#E23Q.::ELB
MHS2)4R2_,?0XZXXXH*NE/0U@2F>J!7/N8R$,40_G>R0S)('1&-0DV`5:`D!:
M%%F<YA.6R<[`J8!P?SJ8=?['&C.M=^-MGZ*\"LJU]2K*S1?1"YZ)7Z97(]$L
MEKKM.X8J;T31Y)V+<1MH+[8+.RXCC5UG+TRVA"<VX+*SYS4\B.<.2G%2$KF/
M]Z*[J<^#\7KGH<*T^IUZU+H#-ZJVEP@CR$W/]1%I-^F`Y.YU5.CQ.VD7"4N<
MNL<)`6R3$Q+91SBHC;;CKJO`]U"86_*_6";5Y6<5LOCE3L,PCS-JPDD88+NB
M;K"`YX,8KD,'#N]9/NV\97,UKWP1X1"$8A_K8LEAUEY"7>A67D]JSF/K;F.%
MY]FU_NE$L%1IK!AB#9;K:A`>$1,:N)OP4]*8D2#B6T)N0BWV")%97*DO+B.N
MIXZ\ZTI[P*MNJ\G[I5*]3-ELQVSUZNUDC<<QT2_#+0.X><:+"[6'T*QP9Y2Y
M5<58GHTZ#*N->F&*^LS'<3'<5R?";CO+4O@.J(G3W?177R:*/3'LWLO[:CBS
M]:FA+8PTBQ`'FX%#5)H1,=8V3KANDL>KPEN3*@\9E!E!(,A#S;WU<X'N7):$
MK.?5>PY\4N$]RBV#.2`DN@YH1"_OF`L\:[GSN*G2!?1)=ED]F2%4-I8:5.?G
MJD?1*NK=_(YUSP2KK]R/Q\Z],ZC;I=\<GYJ/MDRLA=(?,G-/<ENIJ,&QU8W`
MT./'.VV3"A`B=PK@J;+,LMMLE2C3;\IY^0M2UBUE3[$G36_6RLYN:A@1-/)T
M@B-IDB2#K!F$438(N?5*N(HS([G#7$37`U,J(UR)Q#R>+A1$.JZI'W+Z)S7[
MFG+63U-R@/9^DBF=5RFS0DW,-`/NV$4NJ"(M?MCD3F>7&>Z8=2)*=M.Z2>(A
MN)X]QPH[QW[.=;YT7EF.'S_U-9;!@9(JG"B:'+%/!!;C;NO6PG#S:14*L7M#
M7#5FGG#HP=#Q,"MR>XX_]L47'6^I*ODYT*LMS&Z_D06M$R.-3PYRNVRRD[$8
MLPBY3=!_DEG2S"KY"<0N!$Y8IY::.A`8PU"');G(46"S$;2VTPVV@1U]2V_!
M#A2X'?4#2"]13<]0H-#L3XB[/",WDWW*`!_IW=03F?S;K*'CII:?,NA6N'9<
M.!*8FNQWVB[RW&Y"U-+:&E<O!.,\L/I1568N5Y[:O6Z+(HL8S'750)K,6R05
M5.EPK':9<\6+=95!FA2U6:)$G.M-]8F#.ON_:Y$ZIH&I>74@]KOOHO41&>0Q
M]>]?[=&T&Y3M(H=>IL#(9[A:SCQ-F)$M6$1)4L?`5.@HILR*^;2XEQAV.M#K
MS:&'E-`KON6F7V#U2KSC];-VK'QL^U6"IY`;JW7*M-GR[#ITD^1J]`M(D4F?
MQ'\I($BSK;$SGXC\A^6K[NJ6[U0E&2T:"]==L4S<Q(7&]776KC)DL6B",I=V
M6"OH.,%&R9+9EE@DH=:AD,&-:ZYQQ$IIF'$^G>(:8^T.5P<OQ++Z7&]#V423
M5G5]KK0W-@-[F6-['C&+YX&RT/HQRKTV/">>B,CV*:0;.$'VGH\Z7#G&5*ZM
MJ)U"6!JDJ%_2KIZF"F9<2=8L!&LU`-7;C+ARYU!AIK@,R0IY.JV%<5Y3?1D,
MD6$5Y^"_Q*..2HXU3?>N)B=\&:,_3&T>K>@&?PWKWD1\^-T4ADL6,>FUW]OW
M2:.3KMNFT\,T=2U,GF:\<BB2*$1..<;FM1'V^_*EE7`HT9,6N>JY>O?[MB`,
M!)52+5237-:9%9[*KT:CC'B:BW$WI,=8UFIPGNRU2.\E<AI^KJE?_?=\#GQR
M5W<[MZA(-BS_`"MXYI=S&SFQ'7:T,S.QVVIP]6"VZZK(DI4V0P_7@M\AO$Y+
MLAYYEF>HD\ZXI2)#[G14F:S4M6]2A@F)4S=<R"]%KYH.7Y.:S'O^K)I)BR:Q
M89%KKL"\#2$Y8^)SD[L\XA#O77)4QEQR*EZ2XE2@29+/8O5?6/'Q,2%LPZA3
MIRLRTR75Z28!5J:1-9I5H=8D:B'`QSS+(=FN,#?U;I*&X^Q%?8C-J6E:8_\`
MVP2;\&M,3?0R>V;N)Y[U2FIM4`;IMCL93_5$EVQ#AEG571%V-$I/%O%8\2ZH
M6/CS7U+YPKQ<="OR/O1X'N^Y:Y^Q>O+P\K:K.:QR0,6.=*&;":G4N3$>%1Z:
ME#L\@3F..-OPF\_T)*>N+6I'Z@YQ/U_'F\XX)R4_3+MZ;Z5.D>L=;$XB;KH$
M56;E4*!%B9N3HUL%&.%[`Q9,\K$%Z9!+QPI$;+7*EQXB>-3$.JXI2DNJ2+[E
MSR8>V:)Z8Y<8B4;4`60_R%A>9VR16"U9IC;P*O6C8GZE5]'GK-Q88V&$KVFW
M>?+7)2[V3&DS9;[:.NR%]=!*3Y1N!^7^FMUU"F3J\.PXU=ZJ(L.L5ZH5QG.Y
MZ)2=1FT,HYM*JY!B2),PQ,>J`M<"Q-?:KB9'5<=7\S:N!625#16VT^JL74B>
M!7+%*VXW9"\$K9+&;S*C2<MG7<B`T?9XD:S3YCCDI=B="5JR'ESI0_L%MY4A
M3DM,F3U+H).E42\EO'J\!(9=P`=RVS%]QL;]1HK=)(44F3LK%R,N,VLO$3$G
M-R2M<6:K/>FG(_S]7(@_]U"W(ZOL$HS]V!S"\,+4O-:3@L`K9;;PO80M"Q_-
MJ/$?&@*N7J$NP7HNJ;(J=;"!0EB_0]^5V6F9)((B<B,R'F.?$'+YJ>X8GZ9"
MV3.<5^7ZUP(NHG+8#L5($+S./#T*Q@4*C7@0<K\/[8]J+!DN]8)L2&GW8_>]
M:>2GO.I\#W?<V%!C^I)8\*7F,/`"-G/TX&0#.4N%091PM0L\.P(%8GP7`[*Y
MTNJU&R5Z,V.>3WL6)+'M<84E<9/V`Z^IM#4CU@HEJ>C6)S#*;<X%&E&9+9G^
M"5X]!S@$U9$S24CLWD29$IXB-8S'R.KZF(PU-F][WB'9'W!RU]BGK#:?1P?.
MIHR'7/7ZWDO9PO7J*.'U8/EQB=H@J+/E,PYY2*WU+]GJU3*5-2'5?;*_"D0.
M)2CBXW>-B^[[\$\T@9Z8YR@$&UD9ZUTA!&%7VJT'O<#-*]R:-S),EFK-`QIM
MF)U^#1$GG68"8Z.MC^S^M-?9V1]BQ%<_%37'-)]*<HBZ-:R-A]?:LBU5\!;-
M3(BT4I1&W56^%H@@!8[@R#8D$[17[(5NK26Y<E$B,[TKQQ2OMD]6L6DG]31E
MM3]+:MM0T6__`*)CZ9>S!0&9O##>:,DF+QG\JAO"*9;;&MYHU_-52B@UT5"7
MUV0AP=]><;6PWX%)4]:&KUFU>AE-IVF:3<Q/K6?;HH,OF]KCI@9//L$Q^G5^
M0:;Q9OA!3/%F^#J]QN*">=;XCL9/.H0EGZH!7>.2]]+%>O82J#S.QB,B"4T2
M&<HXZ=I`^GCZ^(`6E`V#)IT6186FQT`0;2+B-.P$*2P_R(UQ2.\91]HG/H4[
M8F?2&WZ#FE:,V[`9UFP9ZS!:-E7;#F;T&GE>CX$J=QBB.]>6&,U`=2E+BJ8:
MC+&H9D?XYSBN)%]R7\3/=U3T[F':=;42</*BJO6]$O%7VB*YG,ZH410ZV4L%
M;HHR]HD+;KQ^RGM+AN*1%<0J<M]2EJZMUOCH4E]S?6-STQ30WD6OOK-W,T0(
MW7FC:<O72?U@LL-L,1*F9?%!%P8)O0H<YM/TZVB4<9>3SBYJ%.B>ZO%:DZHB
M?7UN]VV/FB,A;TJ*!J;%Y:HZ*>W<F*TD8PBD,V9()/#"`R`K;*1J9/\`V>14
MM\9_[?$>!S3GP7-X(/`'@#P!X`\`>`/`*NV?-8^OYK9,ZER846)9.AD2W"(Q
MLS!<BC#XHS(B2QCSK+4QB<R.4PI"E?;]'/KWBN<^WHJ='4X!T/T'+FJ];<\I
M&R52EN:*$/1+%7FZJ0&M'@!&Y^SU@EDY$:H72JV20FND?9:`Y]K,MF).D!4Q
MYWR19ZF6Y0U=ZT);=?0:&=,46T1]%@5PA22_LC/=<;J[*!YM?LY=P9"Q$";"
M2T5M=PK54C/Q@AC[OS81CL>4COX_)$&31<2/$/4*YX7VCDZO9\[<LE=J^B5B
MPDB@+0[!'L+UI:Q<<%L\?^0:,1,!IC`3&(L>6.8F<'\Y)Y\'$=97V2(Y5\E]
M>S&*=]B<K)9R-MJ::839:H5B6EB!PS("\%&1\FR0$P43QZDR+/199$3]_74]
M8;)_-]J^)XA8B='4Y"-_URMDC4LDY>AQ@/*V[1+LBG3H%PK0.%D^AQ*PEO-X
M\NBW<`5<FT8J%FRA<E3G(3B"LAAV+SG4NI&KO]Q=7L!ZRVS=M1I%O@:B.$4N
MG1V4/51X8=G/0[(/BWT80(#W`MN!@YS]AAW..Q+29A$NC6PZ>04LN39+G!$T
ME]RD3'H;=)#AZ&%TW.X4&5)_-"TDY0S=IJ;L^QY3=L@TW23`8E=DRHUUM`JZ
M,/I8&NQ`J)(OJE1_F*3GO(6Y%X;)ZHF-%1CXP%<:_#"T#.B^4V&9<:I)M%NF
MULQ8\9L#MEJ!^.<$MUN]Q>X^A#<IUB6SU^=R1U'W14(<I$TBMN>B9T>Y2XU;
MT2I5^(&K]#B&#<?-6'[8*L^67W5-(J5EH,AX]^G%*/V35'DV!F=%F?GQ8?4?
M=]9;RDPMR]2O*EZ#W!OHXHG8<[L)%W0(1&^3':I;+:J&W5[_`(9=9K%,,6/2
MCA@%?)=@Q!;$Z5*?>9C*GM=9BL\&,,.T7&UIW]<T&J52+5Y=TK<DW#J=VI(N
MRS!5I/%#4<@,QL-5+7+BW"['$@K0$KV2\9FLA%0X+O)*5-(:XU]%!<:<E_6V
M=16K>*`:!3%GCTG4:_&L5YK5WOL:=G^G@-&#)=/5@OHB`T>^4EW2IKD*4*Y`
MA3$KDI?83R9](P7G2FX>MSNOZ#0YXV^5@8]6:L!KMU#&`/[^R,52'IU%TH?8
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MF9%$)R>K>Y$=8)/Q$(1UEJ0L6Y&^'>ADOEV_D!ZYT\H#"W$Z:K(Q.??_`&1*
M"+%9-KNLES09LT],B6.VBK%L:FH4]MAA#<>&^[UOYR#GP!>69HGJ!%T;.,TS
MPC;VH**#Z^Z?AO#\>O(D$^/Z3E8C,7+B!ZZ2;<"3Q,:`Z^EM#O7'4/\`6?F1
MS[E*$NHZ_<H8C_7O:SS%$#S=1%5VKB4VDK:@U;;TP@_RZ6U>K1K/;*F3M.DE
M''R-N'Z3'[(_?MF6A;H?Z#6X_)TE7!;BYJWZFV)-DSR[6^P9LS:J*]CD;Z9Y
MG4BK@Y`;'U[G'C11,.;8BLP!RRP=@;4\PA]V/%<AN)3QU#W.H$K]#QU_TZEZ
MQ<=$,2;-5(0*Z/%S,%B33'"9P;83OK3?/7.2N9-=,M09T`=%LT4I%4AEF1Q2
M),=2OM=0X@$Z?K[D9L?HS.(OU]0>ZU6"V[8]*E7F3-H:I!:4'T7;Z;MKYJG$
M(QZ(H'I,"91H@SA62F8EQM34GK?%PF&EBW'-^T^F.Q!\[/"JS/J6LVEVGDL;
MH-3&Y="D@X%..YSL-#&GM)1:M:$,Q#;O^P.*Z6B<["@I:D,_A.,R7%M"J2J=
MZXSZT-Y->Y=X0<&3'B8C4X)2'!`('/SYND;C8MA9G3R2)2W"3P..>Z-^]UOJ
MWOLZ]SK?%_%P9<JJA0K?]?\`V?47:J9O`&&\W6X=$@6*KTSHTW$J8MWV<CPI
M3,F29DN1+!*&>P_%2/B7R+^4.=4A'V2?M:%N+0J_J_;*AZUE\>K-P"UB\&[3
M"MAJTBG-#(A3LN/9J^3-PI#ECO):\@6+O7:_^NE/C"\:0+_+6_`4V\TA2A*J
MM?0IFH>BUVH]7CTP+I&9F/U[>$7%<NPYZ;G%%W[#Y%.C`PTU]V\S",K'K&+I
M'WI'RGWR(XNZ],;ER5*4A(KDO)":+Z$:<1SRG@+'<J72(*J-'Y9*W!H;KY@7
MH",/G80I(68/NBZZ/I,8-UHE'A)8?E(=5V/V3UI*5=%N52S9OHQ:YL:Z,HT"
MH0!THSIY?-Z4FIGBU/I/;U?L4TK\-QPS:Y=@DCC-RR23/)Q6Y+<>,Z<=;&HB
MQV&VE"7'A<O0@W:CMFDHT.JQ0UXDVLU8.R*')F6829F6;V%L59@5(U_)&68%
M6=_W^^P:C.L+7-9@/):4U^S>_'$4CL'$\?8QR!=AD2=`E0;5<85IA0Q@=H)"
M"LQ,ZH%%4.9B,/O,*X](I2YG5H2USZR_MZGO4]6L1NI=?@A\[87]?U>BU^37
MDZ1(=>=%'!RY_:@,Y+;0?Q^O9$E]2.%NK_\`&B5U4Q'.JYQ2GEL_7B>??T:N
MX,BX?U]U:YUVSUJ;H!.!#M(*8$ER!==A0IK*98OVK@_DLRF"2'>+Y*]HY3Z^
M<ZGKG1?V_=SLQU34H6]D<E?UZNR6W(D/3*_7QMEAOR]'@B<[LAB18;EP9NPU
MBS5ZP:!KUVM%>;(.;O-F%&)LXR_,F0^*9D1&Y4EI=%Q(A_HW8(MY+W@AN$T[
M,=/T:8"X7JQJ7+'UNGZ$;N/\9G2']&>&H88`6%X&*Z%@@HP]B-&E/QI\I,A4
MD2Y4I0O/U8]<!GK+G"Z!")P+`\J0';?LL:);H90X.K%/K=$K3UD5;+_H#L@_
M#K%6B1W7![HP7Q#2$11\1M'$=$;JSFJ%_7^IL,B"=U"IVJ`!IU=S^GCRN6S!
M@*/4J/2;31JA_+WJSIX.QGK2.9L:9SI<:3!/I)0VGHB(:D\^T:N,8MZ!7@U)
M(F+9[*$KZ?:SQJH5JUW^JW">?JAM$C%2J;T,G5S9JG'"'JU9L;09"R`S0>>R
M4(K>(S"BF4]6%R]$2:5Z',F;T`N9_3&;BP%M5G,RA]@KMECK*Q[*8R:YRY4Y
M=*TVGA)MS$Z7E#16'+F#I8=M,E#3@EQV(U)Z%WV.D"^"#BWK)WUI4>4P*[CP
M[(?Y&D-$6K\$?5HE7X5_0?D(A?\`>8B_)V+\OQ<^[[/N^G/KX,UYK]SGN1Z$
M@I%NU"R\N_4?[`NEJN0V6\(LQ&QUU%\[8)]OJZI!319M+>KDBQ&D38G!H`/*
M0F*TU*>F=3QWP6[T/>@^B`2B6]^SL77\];.F@]&$3'A%G<L3$:-9SEVL5+GR
M">BEJ<BNE+6;7)B*$@0\B,A"4R5SW.?-T+F7'[#^NSF\J"(3<6ZM%AT_3**;
MCNUM-AX5`Z5#K?)2X?WFA#8\D,)U*&XE;J);#T9;[*FN*6AYH1.A6,KTO7%,
MVRWU?2&!UR+:/7=.K<PY1V3U?#&Z[LV]ZVT-.A(MF!3K*%DIWR</^QN>/?8>
MA,SFG$O=ZA(MWIZ%03O1"S4*OBW*?HQ"V#\XBU:T4BE0<YK"[,5T^JPL`APR
MA(M8=/IE5(U!4G`XC_Z'Y`W>,$9+"22?BAJ:%N+"];?4NST^%GM_T<U"&Z-#
MN_\`LVS5D,!$,#8Q1ZJ^P%517D219DI#B);B;NY)=3&D3H\>5"4RR_);=[)Z
M(W]"[=/]=W-'U&N:%_,4"!XF+FC12NN5Q)1XC+RG:*[LE;E0"ZC4)H6F3-$R
M(4I+D.6KJ7VGF5LK84E\1.BH5AZ_>D8'!-#:O,>TLW#\:JP!(_I@5:8AP,<;
MH^?YZ8(`U1M$<H,`&?KV<#^O1NUMTHF1SO\`]D^QTMQT"N3:H?W:/1FF[->]
M`T2=9G:_9]"I\_-R)L;7![I^'G)[)M`R^STZ*<<EMR_UI>3=8QM'^$\CDA#'
M>)4E;GU!2IP:"I>C<JIVBFV(=H5<'L1;11;OI@H;0;017>;=G5OU&VA"X&PW
M_7+[9Z@LY)U27PSV7+..27(R%15PT.OM.!<=(:%E%H.:12-8SR\"Z7<*O7K'
M1C4>R4]^[UFUT2U%*X;GCI`R%:J83%V$28J\=\:09G*:9X[(;?BR4.I^(1/B
MC.>)/HTSQX?$@Z",75YCXAR^`#V<0C2K3&J/L'>O8^GP1DYJRC&Z[$<N%\DP
M;`ER.0_>"D\0C\%_OS\%N-]AWJ1:,>NU+MCNO]+0ZU23U*,@A%;LXE%K!OV(
M\9SZHE9UDTZ\?ET/%8)]Z)56IK,ZP0&W'F^F51'W(?0<JH\-S]-R>Y:9,N)K
M7B$6IO5LF%'4:97B1J/7WS&=77/"B@W5W<?4&Q95FY*(2TO@)!9Z5'2U^Q3#
M5R,@%*BH?AKTRDP-7CZ$(TR/&"S]1'ZG;ZW.H,4B3*E*[HVT:'6!==LO\EBH
MJT!B1MDV//6J!.>F<AM.-*B]>E)="[BA<6F>OPW2M#K.@3#RH#]9&U`>P.Z%
MB$$/?Q+=,KW!I[DQ^2VY&5,(9:Q"[Q*._'R1R1SO5LH0H1.ARC%_KU/PWH/V
M[\0(PZOE\#/:#%-TPG/:K#P^-CBF%='-Z/$K:JIPYD"9ZX$$>-)2'3,I,@H]
MQJ+UH6[[>I8;_I9.(B9M:+:?"?KP\9O@2BIB9\W&.@Q>_P!R`WL[RQEW[;,C
M6DB!-!UM1I3,06Y*B/<_*^:1Q<AT+O4JN1_6VB+7;8'JVJC`I:R"=6H7\H,4
M2SW4DYE&LB[&/(5XO!LNO20J[95W+(\X))"HX<4W]\CCXA[\ISJ1;_L=8^R_
MKM#]B*;4JP\>:!O4ZW\M<+I&-:9P,RW*I%SSLT!L42EWK-K5(%%:O>YR>\B&
MX2OGXWUWYF/ECNC*='4H>T>C`Z/6;=RJ6!,@DZ(M3E=`)`#8$9R;.UG0]B$@
MN$Y9)]4>+^==D"/G?ZOO&(R9#G5*4I/!J[GDT-1]&;DR&J5OL&I@86S"?X+8
MW'H.9M)SN!:*0(P`,"@R:7&OKDF>*@AL+:C3/QS+"Y$N>J5%=AIBQ6$"7+^1
M7@W^N63)*VL5VTDP0FI"<#CYJ>*-/?JK#>:8))-['<UUW.+[3K8$K>EC45P4
MY":-B9L6164.-*7&2CLJ4+>=4>O/J!6O7N^7*V@B`PC`.PI,"L0/P+HR4I0T
MT[7IUCK(R47TNQU;E2?*5B(Y#9C!(1%IIEIN7.G*:XZJD<JH[%\&1X`\`>`/
M`'@#P!X!3/L*0T(7CEWGY8V77=8\,;V"NNBX)RS1!*S@MJV$:J$),RH!FV"Z
MBN=)%Q'69"))!IEOK+WW?$L54KR<L^M]9U5>G7C9+_$TP]-7B,6E455X`5FK
M&K#6J_O7L,0IG2L%RJUPC7M#.YURM22L9]4!KY)K3DN$P_\`]M@5T\+]>"JA
MY/V.TWT_WQ&BU[86;/S2*&0H`YZF(D:L.J/$8O<[''`BR>=T)NXEJ-;'[`Q&
MD+KZ(LAX?U$=,N(AA;HO"DOH?ENP^W[P^>8-G]_'YW%G44"Q.`YA5Y&KKRPI
MJV\HDZ(W3N9S/L,S79%'K]"8,0DBNJ%CB,N2D2Q.<7UB%]OVJ5.DQ[_UN+HI
M&96+E7)^@2L%LA`O2J?%)R>3)&58'7/8>QEHX:CZF4'7<+/%QXH6$&"DX*H?
M#W68\J9#9Y&HI$ZF&3O=R!E>TGUE&;1>8XTK#KC$VK1@,F.\$Q.A2!!W&*8[
M6H?[A^S:40.RGXMGDK6F2VQ#2A#;2F>#/MK]CFW-I7MS1;5&_AD'8YF:2+-O
M>D0HE\SMX/>-CG3;YJA.2!N#+64J$4"S':U'K;E5G')%0A?*^I<B//>4_#;%
M='YI4UG[/W2E5A-_C"-/3:XJS5#<N\VCFXUZ@9`4U3/B[LX>">QAZRE#T.,[
M):0Y_`ED7!D=]]N!U;27?!?;X.KG!'LY8/63VW;MURT5W5R%.L`?*Y%&!"Z6
M0AS!.%UAZ*8R>#VN,V&-,MFE2R;K?2?94YB0I,9OD?X$H2,\57T-UA-BWLGN
M5A&6R7K4N@<":#^2F^4.!6:H,%0C&=M8`6IE@[4P)0O<KC29QV9:XCLB4Y`+
M-+9DQAG6HT9T'2ARE47/:_$,NJ^49_7MA?,R:;:;3!*RLS!G6XUEF`/<*PGE
MV>QPZI"KT8_.T!J@K8BS.)F3W94?[$O-/3E\&G:W5_KP;R[9K[*L72X$P%Y]
MBSEHHEC.7VC6$L`J!<<\EKTM"#PP*N=?S]BI<&W3;!\^*:&P6TO?EH2A*8:9
MGR/O7[$JOM3_`)EFYM/]S;+K96)?+1;*U3>>Q4B*3`B**RRT*S4`S[!$J[P1
M<;#E\*LR\_O00+16)ZA)2P%(\Y;G%SQTB<Y&;#VI<?3_`(&GVN+O61:9[$ZM
MEH75#[^@NMA1S%9H0:]/+F`_5FV,YFFNPHE6?.-`XNU?BHDO2Y+PV-.>_P#)
M4Q'=?4H%1JC,O/8_M1<-KBSM>;+RJW3_`&5E31-:_B1:&,J-<B5GV1`5NV@;
M6JBUJNF*I8:,3K3<IN(8LK\<P]U<AV"[(7#2(Z4X/6YVGWRB[G9:Q3AIB?G;
M5N)U*KG)=5JS=?E-D8O?8`-<9YEV&W+15Q-<!R,I=7U2.=*DF'U=[)YR3P7V
MT_7Z^Y6U)T7WA0,]>XM@B:D:,'-,KY&[$WL\+P84.I%+5DE;T?/;^/GX34TM
MNUN"6M1D<<^2O"&AB&F8$L[)BH=Z#4>2NHV5^S(@!4%UF7[!B;CEU7KMPI@M
M=="$ZU5)@?\`K[_CHRDU/]]3B`E,"P;:-D"S8Q+\B=V9]B>]C?F<>?%JOM^F
M=N;S#]EK'I])@9[<=-H=%6"RQBR.4&N4*;&>(7#3U@=(ESB=RIMLEQ9M4SS[
MI,?C*FFX2U\DK2ZI"4^#*I3DYY'WKWAM=S%5Z1`V*C1"F?8J'NI=NEUZ1#'V
M*;<?5A-\O%-E$LQ_B-=FS:K<]`:?'])6!^"X)D2)$:#R/!:\%I%+]?<U![3?
M>N!+##AP/66)H;)[B,L9>=2PI$;87H02Y30NA#DMYY"J`O2(LH5"C,P'S2EE
MBBT<2$8'R&W71:0(\"U3W5N"IL_-[EHABDAJW[)P*&<LN6(?LM\L%(NWLI5!
M@*Y#@V2]`UN^U]FMTA091N95VYCB'FWHA&5*EQV`I%>?),[I)]ZJ2*LD$!;]
MCN0Z:=DCYEE,TRH2K%5:6&U"NC(ANG,9YC1XD3/&*F=E.2OLKQV0]!BJ>C1&
MW(_5]!6_8][0Q[I$`]N5:+KM:XLF+`?E/Y52PP!T6C/+%ZB$OV^:C6J1,O"G
M;W#.Z(Z^.F_L)<V,PY#1'0J(VUX)[?U_,Z`]B+QO%.TYQ6?!M5OE.(86>0Q7
M:%771+=*N3,THXY?2=L(YA=1=O*$("HL>("@NNG1ST+KL<(6007V((DFCD!Z
M;[R-!Z[:P3%TK=NN;='JE[T0AFYR<9X-IACVJ:SHD9I0O++78GA$R6[5'[`V
MW7ALER+.;Y)=%-RI#S`U[?Y'54&X^RD?'O:OG4WPM>JIH!]&>7J54&:]TW3B
M!"#*D(RO/;340<KL_.:H\]"@\D_R$=8#$1$F-.F(EKBL#/%5]"A*5HGL_<J;
M9+>,ON^E\W$V>)28AT=F%-5I<BC1O;;V#IE\MT"J0\T=-&=/J>74:J0EQFAO
M7HPZ7(F*&.$W?JW"M)?2O_(S@UU_L.<L>=B#0RXI!&QF7#+>=9HE*:DBE;@)
MKX\G9I2&1ZXHTWZ\SLO.SC45'%14NWJ(VI#S4=A#-%(F1A56]BZ;:Z/>29;?
MS/((3/J-J4"]UX45(6R`"N?N"0M+A6;)J$"Q'.U1N=7/T<L8^U'>8FQNI7,;
ME<[X#IXX/K`,G(*#1Y-N-.AH(P8DY$0G#>'DHJ);#<A,8A`DI1(@SF..?:ZR
MYSBVG.=2KG.\[X,&=X`\`>`/`/ALQ:O;\85O=\BK]BHMLM-&HL&VD6O7P=*6
M.VNHU3<BU;QRDBW,]DQ3.&]T4O#AS;+QJ6GC#T5#A]MF4N6W#DX\<%JW?1?>
M&L5B^RWX^MD#%J?M+]>=K&=@)T+*3`77-O&U44"BUS&M$L5KJ5@HE6K,;[90
MTK+FNDXLU9`;#D2I35(E$\.%O:(;/,V&7_NMPA)LY.1;C\C,H]E/Y%G][)>G
M4ZT0<,C.44DDO#&U^5:W6!K#-D=:EBW_`)&),N#\"H7V^/UZGO&N/O;*KD^R
M$++H-:D3`\VMP&"^)CIPX*+:Q/MP$:>5K5/SFR7YN]G+M#CP)D6-&)01$^?(
MC<"O+8Y'32>WP3[V`VS<:KDV$WN"]K.2,ELR_>6UI5$K%[L\;69!C(1U4H.N
M=71YHBL@2P8]9ED9[,,`TB?$9Y\T)WC4*0"2.;-!@>T3&6WO)!%?V5H8_5K]
M`&48%E+9RO.YQ-INB6B3?X%LD5IZ;/VF)LB!PX97%%^<EC5,]_5/,R7)K<*J
M5KP2>^:%[=VP=_KR#7-QL=3L-;WVNJ-V/+4AUZ;FQT%O0NBE;((%XZ(>I%_#
M.URN)4J86J[\ULM!4R%D=E2U-4)1\\%P9?<-LS7<0&8DQUF8S>TDMVV4K#C5
M!)<R-%AMOO-'6!;B0ATVR+A7XML%+L<.6E'4,C09)7'&XWR^".C5?4^H7@P/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!KBX@38!9
M`&>%CC84O#D#BH<O"C$A9,?+:4Q+@D!\QIZ)-ARF5]0XTXA2%I[WG>=YWP#Q
M`U\#50PZNU<((K=?$1DPQ(("-AAPPN(CO>HBCA@YF/"A1D=5WZ(:0E//K_T\
M`V_@#P!X`\`UI@,'L0H@"L`H:=!EXCX\L&,08I,43@2F^M281`=-:?B38DAI
M74K;<0I"T]^G>=YX!^`0$'5PXZO5H,*KH`1%;@B08(=#$AQ<)GGT9ACAD!F/
M"A16N?X2VTA*$_\`ISP#:^`/`'@#P!X`\`>`/`'@#P!X!$[)0J-<IM=(V^F5
M6U$*@42;JDZQUX2;EUDRA3*T%@$DE$DO!R2%QVU<?C];<XIM'>=^J4]X%62S
MP!X!J6P`)HY*L[044W99PN$#FV%`Z(@W+"C94V</$22J6>3GQ<&:3DO,QU.=
M::=D.+2GBEJ[T#;>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`/RM:&D+==6AMMM"EN.+5Q"$(1SJEK6M7>)2A*>?7O>_XYSP
M#]?]?\\_SSO_`$[X`\`>`/`'@#P#'D2XL-"7)<F/%;4KJ$KD/-L(4OC:W>I2
MIU24]5QII2OI_P!?M3WO_3G?`/*&2'$>R^#Y\*=T?->&S^0Y3$KL(C'2VN1`
ME\8<7^--82ZCJVE_:M/%<[WG/KSP#VY*B]>_&Y)8[(_Y?]CCS?7O^*4J5_VO
MN^__`(I5SO?\?XYWG@'OX!YN.M-<3UUQMOBW$-(ZXM*.+=<5Q+;:>J[S[G'%
M=^B><_SWO_3P#^<>9Z\J/QUKLA#3;RV..)Z\AEU3B&G5-?7[TM.+97Q*N\^G
M>H[SG_3O@'\9D1Y/'.QWV7^-/.1W>LNH=XT^RK[7F'.H4K['FE?X4GOT4GO_
M`%YX![>`/`/QUUOCB&>N(XZXAQQMKJT\<6VUUM+JT([W[E(;4ZCBN\Y].=5S
MZ_\`7G@'[\`\?R&.IZOC[/4\>_'ZKY$?;Q_Y?A^#O?N^GS?-_P`/M_\`F^[_
M`!]/KX!^G'6F>)ZZZVUQ;C;2.N+2CBW75<0TVGJN\XIQQ?><3SG^>][].>`>
MG@#P!X!X(E17&TNMR6'&ENK80XAYM3:WVW5L+92M*NI4ZAYM2.IY_GBD]Y_U
MYWP#W\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@'#O
M]C.':+[&^I%_R3+((\I;3UDR8MP:0)B!O2`"FZW2+I:X(Y-H@%J(8-2ZU7Y3
M<,99HDNL%)*D12S+D!Y]/1J#2E5^"8^BF3Z#A/I_Z]8]JK09G0<ZS4)5[,R!
M,S[`,:F#OF0PVV6(?14F4B#UKDE,=*![4GY&X2&X:&$)"33DVO!UCX,CP!X!
M\O?83U2V[0=$]D2='(#8=,]F<[K^.WZ._;9PJ;VCU3/++-%D0L:/&=;@FR-O
MGSJO*ZE;"^A[0Y.^12QS3*QM222^Q@#,<]X#EEL(\Y;B="H7(L=H9#IFEO1U
M=)5NA[2`K4D!/?F'2T$,4,SJ40)QT,`XZY\5]OL%V,RX]/"L?YFWNV5^X]\9
M="$TC5]J;.D%@-C*6JLR1-BMMH<N[M$G#`3(A]\?&I8&QQQ+R2#*&U=2YQ#3
M[*4O.!6)L\G]?_9'-M@I_&+P?AXTS9]4NAT='.1;7TF;NFN[E:RS%X>/V41/
MF,6JJ6JI]@R(XXS(%S1C[:.PD+==E`VFON>J?5_9PA%V74+.S7/YWNVI7+1B
M-;_AM7M$2A6WV%&6@=%%W(14F;87)3,G>),K=FS'YL%R3^+'>;2EKK851'6L
MH]YR-VK@<E=BHB@#AX6JV.Q"-&ZHU9*?%TFBEG"JI4B5(<@Z1_"(1H=*F1`L
M%YV,MIWI.3*DJ1""L3?)S/W`'<(L.S2=UL`0A4IV>&K!IH]N@+I]7G0UO5&[
M`T0$FY.C&9D%R4_9FX4R2N'*0AN5&?94AR"L3VR[#/9R9G>ZPM$L_1.@:!DY
MK/<^LY&R299X`A=CU4I6&3A00;MQ:!P.Q=8_.263!:9&;[]&Y+BV4=\H;5>/
MJ>QO--T;$T2)B&3(]=!(YH_$ETBF7+/:^&&:.LCG*JSJ-S55D28FE9O!KPLW
M!E#'&^%)_%-=>@?>XT_`$JO7DJ.9FOO1RQ3JQ3+SH[=D$9I0R$F_V[0H$K-D
MW"P!=J=TH#%"2J^[^[+SC$RNM"9<>+)AU_D6.Y]C*67F"8M8D]E97[A]KEW)
M#3EZ1^<P*K^;4,YL'"-GIE5+W8E.MQD_809^L1[GHPL;%BK%NR;)^/&&2NQ>
MR7W6%ID">TCPG#_<,*J02F&+88F%2(&PZ;^OUH<T>N#9*C>L`ZY5O)3I/C*L
MS<39J%:U+;CK!P7V'$<9=:5):?BBUB7A@N8^T]9ME7L^N:&4L:'OVHFV`W[?
M'+5^-5TYAG#%53##Q@8F`_;X&ABC'2!5IIEZ<J0^[_\`@SS##`C<?0YBL'JS
ML5L$7LRK!:?6R]]MFHN-YE"MM/&T:C&K-G\2@Y'M%>>"./QB%LH"1CI(V47%
MB6!PB:?='-KY"B-]%N1;VR^L%U-9][5U.O4^'9B.ZZ,"L]2)HE4":X'.?Z-I
M-)+7TTSJ(TX/!H=M%>E1GUBF734.`_\`,-^-Y*/L!27%?0G&Z8K[`7BX8[9*
M*0HL&'Z^"JU<:S`-$[B[*N&F]+1(-Q'12,8Y&_50I>5BB599G&62O'&;E+>6
MUQV*EQ0B:ISZD!?PGW`Z'9A,:]=ORNT@C9)$ES3&^3'-J54=)C#(?Y+81*6J
M`Q9WZR]T6UQ(Q7XKG7&7&UR42`K$U6FU7^P(T-MP6G\1`>;X3&5VT-Z*-ARG
MRW+;M%DK%P"C!A"M_C`6!I.GBR,<L\^I,5B3S@HCR,CDH6L?)D;9ZCZGJ&2Y
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MM.)^_B%_<A(R_)<O@@\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
=#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`?_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>g655598gr11.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr11.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`+4``0`"`@,!`0$`````
M```````&!P4(`P0)`@$*`0$!``,!`0$``````````````0($!0,&!Q```04!
M``(!!`(!!`$#`0$1!0(#!`8'`0`($A$3%`D5%B$Q(B,7)$$R&%$S)9%"87&!
M-"89\*&Q<E,U)R@1``("`@(!`P,"!`0$!`4!"0$"``,1!!(%(3%!$U$B!F$4
M<8$R(_"10A6A4C,6L6)R),'1\4-3X7.#@I*S!V-4-?_:``P#`0`"$0,1`#\`
M_OX\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1(O8K3#K_&&.,ND"LQ240147OUDO\`5*^'%J[]%?:;^O\`
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M\1'B(\1'B(\1,>6(LB!LTD__`):AQW'^IYWZ=6I//^-KG?\`/T4ZYWB>?_C[
MY5'(@"0G`S*^S\<Z1[+N1;OWR1-YYN(I?/JF+$;7UI7V.=^OPXI2>H3]/]&T
M<Y_^%WZ^UI`_MKZ"8KY^X^LM'SPF<J>YS)!^P#*1#>4U'>4W),.-]^BNM<2J
M1QG_`/'QJ.W\_IW_``I:D?7_`$\]ZP%0V'U]I@WD\9JS;/=<9F/OEF'H\2S1
MZ)5=!QH5<A&T-V1AL4'T:PF-28IN5E:LX)2MIRX5W&;#+AE/Y#OW9T5$/\?K
MCZ%][M'X^^U^-V_D"6@VU7E#5Q\E%%?*P-G_`$M:@*\?0\LX$X=W>+K]]7TE
ME>*[*0PLSX#L;.*$8_U"MB#GR?&)W_:SW=A>M>R>JN,#L^?T,][%:J`I]HFQ
M[(R!BY#GYT\*IL?1S32A)9TPJ?=K%`'#QW/Q.S?_`"W.2$IAN<[CTWX^W:Z.
MYOM8*J]6EF4<<FQPI;@/(QA5)+><?;X\S+M>[3K=S5T@GR6;%H4^<<%+!>9\
M'_4P`'C.#Y\3:YC6<NE5FD7.+HM(DU'3)U=&9U9V+0%>`WLE;D==JP^H%FYJ
MH-CFV%I/50VHBW5R$I[U'%<YWO.,=+<%UFN:K!?2&+KQ.4"_U%AC*A??.,3J
MC;U357>+$--I`1N0PQ;^D*<X)/MCUFM.T>W]7P3V6S_,]4M6;YUD%G]>M<U4
MQ?;R<;KTR-<:-I>(TJLUL7.(%(HJ2R:'Z7/=7%2P]->>BM=:[Q"'>*ZVAT=W
M9=3;MZ:6V[R;5=81!R'%Z[79B`,^#6HSD``G/M.9N=Q5H=I7J;35UZCZ]CEF
M.#R5ZE502<>0Y\8SX&/>6Z>]IO6RL9A6]K/[SD@S([FXPQ3M&D7ZM=I]NDR$
M3'68=6.-D7(-AG*:&R5=8AK>>2F,]WJ><:<^.C7T_:W;;Z%6M<=VO^I.#<E'
MCRPQE1Y'DX'D?43=L[3KJM9=RR^H:C_TOR'%CY\*<X)\'P/H?I/DW[5>LU<H
M]9TL][`8X)SZ[!)]CI=RG:/4V*Y<`@J2+A$B-4*K*\B6-F%.-PV'.0U/*0_*
M:;[SYK2GMKZ?MK=A]2O6O;9K8*RA&Y*2"0&&,KD`GSCP"?02/VO65TILV;%(
MHL!*L77#`$`E3GS@D#Q[D"5A;O;`),M7I8K%;#GFH9E[1[%<\^GWD`:;LHU`
M.KX/M&F\FU(Q7RBA2R[-KS)B!+1(X_QEM4EI3:'T\ZC;HZ:Q:=_]^MM.WIT(
MX0CB<M=57A@PSCC86&,9\'.)J7]LANTOV35VZVU<R%@<C"U6/E2#C/)`#G/N
M,9FT%2O5+OT4M.H]LKMP@@;$9J!J;63,`Y#%VJN2?P;#79LL:_)CL&@4_G8\
MR,I7'HLA*FG$I<2I/.1?K;&LRKL(];,H8!@02K>58`^Q'D'T(\B=6F^C8!:A
MU=58J2I!`8>"#CW!\$>Q\&:8^LOOEDFM"JQ5M(U3&*?OUKT3<*>&R*'<A@^R
MDH6<;;I^=U7\"M&#4HX\:L%2HK1!3'^5R5]?=CM\83]$=[MOQS=TG>[5IO?K
M4JJ8V%25!>JMVRP&,*SE<^W@$YG&ZOO=7<K6O9MI3?:VU16&`)"6NB^"<Y*J
M#CW\D#$V!?\`:/UOC:RS@\C=LG9V>1,0-9S!V^5M%V<+.#^%V@J:^HAR?_.N
MB._EH@_#\M<7_FXWUO\`W><P=1VITO\`<1KW?L`,_)P;AC.,YQC&?&?3/C.9
MT#V?7#:_8F^K]YG'#D.6<9QC.<X\X]<36_W']_LD]>LZVJ'1=6Q*Q>R.85:.
M=A8L>NPJ18'9CTL2YT<7JXH[`L:9O0)!4Y,-"FYG8O$O_#K/^[O5Z+\:W>TV
MM<[%.PO57/@VA#C&#Y#$%<9&,^F?'K.;W/?ZO7:M_P`%M#=C4N166&<^/!4$
M'.#G'KCSZ3>VR66N4T`8M=O/A*K5Z\.E%S]DLA6"#``Q,%I3\TF8,$WXHX8.
MAL(ZMU]YQ#;:.=ZI7.<\^=JJMOL6FA6>YC@*H)))]``/))^@G=LLKI0VVLJU
M*,DD@`#ZDGP!-)U^\6>7O6_5BI>O=\RS8:'L^HZKG.AV>K6!NROU231<!NNP
M!XPV2$)_A0BA*57X?5\F-/(>'2.K:YSJD.<[X_'MG7TMR_LZ[J-G7IK=%9>/
M+G<E1SD9(`8^F,,,'Z3B'O->_<U*>O>JZB^VQ'93GCQJ:P8P<`DJ/7V]/K+X
MI_M1ZTZ#I!7'Z+OF0V_4PKA5DGG];T&KF;7'?`+ZU88Z0L`F_-D2:Z[SX$6F
MDK<@.?[9'&U?X\YU_3]KK:HWMC6O33;&'9&"^?Z?)&/N_P!/U]LS?I[3K=C8
M.I1?2^RN<J'4MX]?`/M[_3WGY3_:GUHT$K?`='WS(K64RX>4+Z)%!:!62/:8
M(!R'8APO8GHQ)<<:)"3&'&9LIQ?&(CR%-NK0M/><7]/VVLE=FQK7HEQ`3*,.
M1/D!?'DD>0/4CTBGM.MV&=*+Z7:H$OAU/$#U)\^`/<^@]YRT+VB];M1I=NT?
M.]XR.XT&@(D.WNY@=!J\^M4N/%@J*O3+69:)]@5Z#P2CLM+\M;+*XG_,E76O
M]_DV>H[73O35VM:^O9M_H4HP9_.,*,98Y\8&3GQZRT=GUVS2^QKWU/17_4P9
M2%\9^XY\>//GV\RC,W]V*'MOM+5,CQ*\Y7JN4F?733=6+W6CV./9BHN[TC3L
MDIHZN/R!)5\:/'S@.AORUM2(W)+O4L.M+^SWOSZ.UT&QH=.^]V%=U.XNU76$
M=>(*/7:Q;R,DAD`R#CU!\S0U^ZHW>V33TGJMU3K/864Y(97K4#P<`$/GR,^A
M'B7GJOM%ZWX9,Z.V7=\ERXCQD3*4.O=^K-8((A'72S0D@Y!+$8LML;-6`G?&
M2I'&.)AOJ4OB6E]3SM/J.U[!>6CKW7)DC*(S#(QD9`QD9'CU\CZS?VNSZ[2;
MAMWU5/@'#,H.#G!P3G'@^?3P?I.DS[:>KTBSW6EL>PV,/6O.*R7N=]`-Z14U
MDZC4Z]#:(6*QGHR2O5CPU<@2&WB,ASZ-P&G6U2.M\6CJLCTO;BJN\ZM_PVN%
M0\&PS,<*H\>2Q\*/?VS(.UZPV/4-BGY*U+,.:Y55&6)\^`!ZGV]Y;4F]4J&1
MIPB5;JTP5T/\[^A#738U$ZZ\&!G;$2558O9/WCZ(`!A<UY47CJ6XO/NJ[Q'^
M?-(:^PRV.$<I5CF<'"9/$<OID^!GW\3:-]`9$+KSLSP&1EL#)X_7`\G'MYE;
M:Q[.^NF#E`83:MQRK*B]E9[*!C;]>:[5II""F4F"LHW',$(KK8=J:KC*YCG$
M14.]^"G.*_QYMZ74=IV*-9H:]UR)ZE$9@#ZX\#UQYQZ_I-;:[+K]%E3<OJJ=
MO0,P4D?7R?3]?2?NM^S?KM@O`'_=.WY9EJ[4V^_6F+Q=Z]791V'%^UV:1%1"
M,]B5-%0./M]D2VT*C1^.(^XM/R3]9I=3VG9<OV&O==P_JX(S8/L"0/!/L/4^
MT;?9]?H\?WE]57+TY,!D?49/H/<^@G7LWM-ZV4S0:SD]JW?)@&FW%0--9H1.
M^5R-;#';0^W%J_8H-9#^0XFSRG4M#>K0GD]WOP8ZXK_'F5/3]KL:S[E.M<VH
MF>3A&XCC_5YQC[?]7T]\26]IUM-ZZMM]2[#XXJ6'(\OZ?&<_=[?7VGX*]J/6
MH[JTS"PV]Y"4V0?,(#)>90-!J\JZM%A#"Y1<+_`,DED'#H>(VIZ7!2A4N*RG
MJW6T(YWOD?I^UKTQV%FM>-$@$6%&X8/H>6,8/L?0^QE3L^N?:.DE]1W`2.`9
M>61ZC&<Y'N/4>\GDG5LQAU4O>9>A4J-2Z^>(U8[;)%F#,UP-91%H72"M?*&7
M)B1\$R-N3:A3\9UQ+S1'G8ZD\=Y\/-<:6VURZZU6'890P7B>14KS#`8R05^X
M'TX^?2>QV]5:C>;$%"L5+<A@,&XD$YP"&^TCUSX]96]F]N/5JF7(?GEL]B,7
MKE[*6/M0AU$SI-2'V!5I_(APVZ_(%R"K<N$7D3B$=AEA]+;C\A]MIOBG%I3W
M:JZ7M[Z#M4ZM[:X7D6",5X^?NSC!&`22/0#)\37L[;JZKAKV[%*WEN/$NH/+
MZ8SX/G&#[R(57W=]<KE[1WKU"!:54)FQT.LUP[-!-6VK/RRI0Q,T)D]3`PB.
M8>/2;;GX_/ESCL5<5OL"&1AN*[WCBOA[W?C_`&E'45]W94XT;'8`\6\`!,,3
MC`5R^$.?)5IXU=WUUW:/U"6*=Q%4XY+Y)+Y4#.>2<"6&/`(FQ<>]TF46MX"-
M;JT^<SZ.+F7L0V;&K)4V&;'/%P\NT0N2?R`44J*C.R8[DE+2'F6EK1WJ4J[S
MEG6V`B6%'^.TD(<'#$'!"GWP?!QZ&=$7T%WK#KSKQR&1E<C(Y#VR/(SZB0R=
MMF92,V`:56=0RV=6-"@L<RFYS;L'_P"O[R7,B9Q2L,AK./E2HIJ$58@N/\5`
M[(=5$9=<;2KC??I[IH;8VFU;:;A;4?[BA#S0`@-E3Z$9QYQY('O/%]S7&N+T
MLJX/X1BPXL2"0`??./;)P#])K`"_83A3NPTKUB-:7E,_V"LN`"-==CTJ^@#-
M"*64F.`S(=*IDB84A6T],LT`STV&;4/;>FUQ*9?^/G].=BS\9[$:-G;UU7#K
M%V35]Z$.%!;+M@%0%(X-YP'^V<NO\@T6W$ZQK*COMKBS[6!0D\<*ISR/+/)?
M'E,'WF:]1/>+(/8W/L,@D]7QMKV.T;$*!J-OQBIW02_8`92Q4D':[*.&UB29
M(6)$>O\`2_%.QW5/2X<93:I'T^7%=\N[_'][J]G89*;_`/:ZMAZUM93@A7*J
M2V`OW8]1@$^DSZ?O-3LM:CG;3_N-M"NU:L,@E0Q`7)/C/IZ@>LNB%[4>M)'6
M)&$0-\R&9LT6;+%OYA&T&KNW9!B!&5-(`N5]!/I!=@'P4=D2("4=F,1^==6T
MEOG5>:+=/VJZ8[%M:\:)&?DX-PP?`/+&.)/@'T)\9F\O:=:VU^Q6^D[@..'-
M>61ZC&<Y'N/63N1J^81*O9+M*T.E1Z=3C1FMVRU/V<,U7JS8:X;76CX,\87,
MX/$E@EB;5!EQWW$.QY?.LK2ESGQ\UAI;9N37%5AOL4,J\3R96')2!C)!7R"/
M!'GTGL=O5%37FQ!2C%6;D,*5/$@GT!!\$'T/B4)EGO#ZY[%[#;%ZR4?1:J5U
M'&'!$<T(BVNK3I)Z5)A2I-FCUP6.,RS,IS/IL?D$YQV.SV#.<XTKGU_SYTMS
M\?[31ZRCMMBIUU-C."588`(X\B0!]X.4\G(\S0U>[Z[<["[K*+%.S00".2G)
M(.0`#G[<8;(&#XEH&=;#TZ^7J%?+YCE4H-4I>8&NO%KPT*O(0S?KA<:FQ,O`
MPLF&$`4NR$18^#7)GY2G211!"/U">L-_/4KTGOUJVUJ[WV7LL'A,H0BJV$(R
M2Z@L7&/M7B?<S9?<2G8L78LI371$/EL,"[,OW`X`5B`$.?+<A["56=][O5*-
MC^Q[-5-^QF\5?$@\B9<Y0'3:E(@"RTB-)[50A4DR1?CBGKL38Y#%.N<^W/>7
M](_7>\[SS;J_'>Y;>HT+M:^N[8;"YK;)`_J(&//`>6^@]<36L[WJET[MVJ^E
MZJ5RV'7`)_I!.?'(^%^I],RJO7#WCSPEZEY=['>RWLOZP04ZHF%-C&:068IE
M$!GBX2`:FX^.<L^@7$G;KIGSSLF*1D-NQI#W(ZG7!\/B%IYN=I^/;2=U=U?5
M:FV?AR,..3D`D"P\44*K^"H\@9P&;Q-7KN[UWZJKL>QV-8?*`<J>*@E02@Y,
MQ9E\Y/@X_P!(FS=C]IO6FH4$!JEH]@,:`9I:PI*Q56_%=)J$.H6@((:9>)DZ
MW8'BZ19Z+!;D-_<[$=>ZGJTI^GR[SGG)JZCM;MAM2K6O;:1@&0(Q92?0,,9&
M?UQ.F_9]=72NQ9?2M#C*L77#8]>)S@_RS,?-]NO5@=<`.?3_`&+Q6'>;,2<#
M@JE)TJHLV`@7;2E7!2!;A9,MHE(^?$L,.)0[(7_M:2M7.\\S7I.X:AME=78.
MN@R6^-L`?7.,8^I]O>8'M^K6Y:#L4BYC@+S7.?IC/K]![^TCDKVPQ^^Y=JES
M]>=W];[R2S)J.P;,G-4&<S:ID9CZ.05Z#8ZLLU,KX8G'0[V)*2RMN4I'_%U:
M>*[SU7IM[6W*:.SUMJM+3X`K/R,!Z\%;`)'C(SX]YYMVNI=JVW=??K.U8\DN
M."D^G,KG`/L??VDDN7MUZLYW;8U"O?L3BU0NLJP-51NJV+2:F)/-6.0T(>CA
MIHR85:E#Y\E!^#]I$A+77536$I^JG6^*\:.D[C9I.SKZNP^N%Y<E1B./GR"!
M@CP?3Z'Z3UN[;JZ+?@OV*4NY<>)=0<^/!&?!\CU^H^LR.H>T7K?B5FK],V#=
MLFS&V6J,B:`KMYOM;K)@B.<F_P`:T4;@%B,60T(=)<_&1+<2B,J1_P`7%]<_
MV^8ZG4=IV%37Z.O==2AP61&8`XSC('KCSCUQY])EM=GUVE8M.Y?55:WD!F"D
MCTS@GTSXSZ9\2R&-`HLFB)U&-<:Q(S9=65>$7Y@X-=IRZ8@6HXJUHLB)*A"J
MZD,GLOLWCWX_X_/N?/X?Y\U3K;*[/[,UN-OGPX8/+EG''CZ\L^,8SGQ-@;%!
MH_=!U.MPY<\CCQQGEGTQCSGTQ*)[[P^F_(]XE\]I,$<C9MT=R]/LZI3'VZUT
MQ.6+%<(*9+N<^1(LVJ&QQ'SZ[,0J.GZO)ZCG1_[?[W-:_L]G-N>']MONP,G'
MCV'D_IY])I?[UU&';]U1BO'+[U\9.!GS[GQ_'QZR8V+V>]<JEEU>VZR;IE`;
M(;<J`W4M)FWRMMTVU/DTR%CXM9/<(J@'YDMN&\I#,1;SO4L.]^/T;7U/A5U'
M:7;;:%6O<VZF>2!&Y+CUY#&0/(\G'J/K/6SLNOJUEW;+ZAJ/_2_(<6S]#G!/
M@^!]#]):=2MU4OM:"7.C64!<:A91T<O7;35B\`_7CPJ6C[D4D',BY$H<2@R$
M?Y0ZRXM"N?Z=\T[J+M:UJ-A&KO0X96!#`_0@^0?XS:JMJOK6ZAE>IAD,I!!'
MU!'@RHZ5[4^M&D7:P9O0-[R*YWZJQ2LZP5"M7^LF3XV$`E)@'YCHV"2>D.1:
M_/6EB>XWQ:(3ZDMO];6KB>[M_3]MJZZ[6SK7UZSD`,R,`2?(&2/]0\CZCTS-
M2GM.MV+FUZ+ZGO4$E0P)`'J<`^WO]/><-']L_6#3;TSF6=>PF-WK0905-BAT
MZIZ+53]@GA.P(I59$<.&%)+Y".P+G,27OL<<ZS'>;<<XE"TJ[=CI>WU-?]WM
M:U]>L&XEF1E`.<8)(\>00,^I&)*.UZS9N&OK[%-EY&0JNI)&,Y`!\^#GQ[>9
M1/L+[Z8_G2)E-RW6<4O.X@]HP+-+/E2[N)*68*.TO>\SRN\*DUP*<CFF[#4Z
M]>'I?6/HI4&0EE<MK[75)5T.L_'-[:Q?MT[%?7M1=8MG`A2:Z;+$^XC'%F0#
M/N,\3F:/8][J:P^+5MI?=%U2%.0)`>U*V\`YRH8G]#C(Q+6]J_<+#O3>GU:Y
M;;;PM:AW._T?/Z]"('Z\%G$)EQNE:J)`W'38"HII\!1(ME28./-J6N$)BO/?
M!74\2K3Z;H^P[V]Z-!&9DJ=R0&(`5&8#[0?+\>*#W8@3:[7M]+IZ5NW7"J]B
M(!D`GDZKGR1X7ER8^R@F4H#_`&%XF*V'=JCKVQX5G.=U(MB;&*V\W?`X'_L@
M)J6/5K29A[A$P=_BBH>/*L326)\-#4)N*\S]USJG$J5T+/QG??1UK]*C8MVG
M6WY5"$\#7:U8&`,@_:<@Y.0<":57Y!I#<V*=NZBO70U_&Q8#F'K5R<DX(^[P
M1XP1F;(6+<:O0+9IDO2M*P^FY50,XSJYS"I>_L"[E6W+>?O`=\S?AY9,,"!H
MI]8*%&K<U$I;I0BT08^'.L-?<Y=777;-%(U*MBS<MM=<!,JW$(<(1DEUR38,
M85>)SY,Z5F]51=:=FRA-6NM&R7PPY%AEP?`4X`0YRS<A[#-@YKJ6;[)4H-]R
MB\5?0Z82?FQ85FJ!F$<#ORQLER$1A_F0'GFFYH^8TII]E74NLN)ZE:>=Y]/-
M7;T]K1N.MN5O5>`,JP(.#Y!P?8^QFQK;6ON5"_5=;*3Z%2"/'KY$KV-[6^LT
MS2C>.1-]R&3J=99-OV*AL:!67;*!368#Q:RM&!J"*GALJNBH[DJ>P]\'H<9"
MG7DH;YU7FR>F[9=5=YM:\:;XXOP;B>1PN#CSR/@$>"?`\S7':=:=AM07T_N5
MSE>:Y&!DY&?&`"3]`,F=2E>WGJQHP&]VFB>Q&,VRN9@/28T4X#T:JSQ=)".-
M2GF#]FFLDU,!Z_+9@OJ8GO*1#?2PYUMQ7&U_3*_I.XU;*Z=C5O2VXX0%&!<_
M11CRWD9`\C(R)*NVZN^NRVG8I:NH9<AUPH^K'/@>#Y/CQ+</W^BU4@.$V>Y5
M:NDRX6S607`.GA8F60KU+C#YEP.PV)\IAR0'JL0K%=(R4\ZS";D-J=4CBT][
MI5ZVS<I>FMW16520"0&?(4''NQ!"CU.#B;5FQ14P2UT5BK,`2!D+@L?/LH(R
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MG42.=7SG$[O:=*_5]=J[&PMM>[<]P='&./QE..`0#Y#9R<@^")I]=VR]CO[-
M%#5OJ5+4493G/,/RR<D>"N,>"/.9:-G]J_6:E7<=FMNW_'JUH)6QL4^#2S>A
MU8;9G;3+9$OPJ^L-*)MSHY:>@]!Y'9=0A<A<UA#?%+=;2K3JZ;MK]<[5.M>^
ML$Y%@C%>(SDY`Q@8.3[8.?2;=G:];3<-:W8I78+<>)=0>1Q@8SG)R,#WR,>L
MX:O[:>KUV3:%U#V&QBR-TJP5JJVUP-I%3GM5ZP7.P-5*GC"KL<JMN*_:[4\D
M8,ZKOPGD/K&84M[G4<MW2]O1P%VK>AL5F7*,.2HO)B/'^E?N;Z#R<"2OM>LN
M#&K8I8(RAL.IP6/%0?/^IOM7ZGP/,N+MOJG+:BA=L@+^\+KKEO34/Y6#_9NU
M1HFV&79/X3[_`/)<!)+O)B_E];^QV1W[?%?+Z\\T?@N^#]SP;]ORX\L'CRQG
MCGTSCSCUQYFY\U7S?M^2_/QY<<CEQSCECUQGQGTS)%YY3TCQ$>(CQ$>(CQ$>
M(CQ$>(CQ$@FD\=[42'V_K]./0>N_3_\`M<F,_7Z__BXKZ>>M/_4$Q;TE+\O)
MF*(&!Q3W1S,&/UMY]M+:Y$EY3SCG5<6M"^,M)2OG.<YSZ][]>][_`*<YL?&I
M8LWDF8<CC`EEYS<2!IV2)+.<D266/RHLOX(0XXTE:&WFGN-I2A2D*<3U*N<Y
MWO.]^OU^GGC=6%^Y?29*<^#(*9-2Z]>SY%MI#LKZOL1_O?7[;?)$:-QE[J>?
M3KG&VN<^B?KSZ_7_`%\]54/4![3$DAC/)/V%SG4MI]I?97E>5/'6QGTH]8;5
MB%]("'&:X)]A,3]E]PU?-&8QOD1L>F2/LT>$@G&:=^]P.4=2ZG[+_/E]MU>_
MJ]?TVH;<-2>PV%N0'[C1;KTUV>/7RN>)/CDHQY$^0[/0V-[MMH4Y6X:%#5.1
M]HNJOM=//IX;'(9SQ8Y\&8]R!J?L@%R#W6L^1Z;2;+N7[!/2*%5\NM%7,(NN
M0^M>`6\L/BIN(5$!4RNQ2FFG;?:9<IY+<?\`CB\%;BN);1WS:#:?567]!3?3
M95K]9MEK%8<+;[E!^TYPV*Q76`//)6QZS0*[?9)3W=M-M=M_8ZP6ME/*NFIB
M/N&,C+FQR3XPRY])-O6?-K3SWA>]128*='P_]=MWUWV:SV>N.WVM&.>WZ"RO
M6>JCN.*4M2L4!7#61/$*Y_XJ(`E3?T^B>\U^VVZ?^W_][1@>P[2NJAQ_J'[;
M'SL?_P!J5UF_7D^9L]9J7#NO]J<?^PZZRVY/3!^?_HC'KBL/>H_]*X])=OM;
M::7D_P"Q[U&V[5L\N)?-J?ZN^U5<_P"W`N<6N]U?%[O;+]ZY_P`$5L\NK@SC
M]95:P0HH)C3?M_)'9*T+ZAAUUQ//Z:F_=_%MWK].VM=M]O7;XRZHUJ*EV0H8
MCEQ)5B/T^H`F_P!I;3J_D.IN[2.=9-:X<PC,*V9JL,2JGCD!E!]?N^F2--:E
MI&KY*X\6K:[;ZH>K/M#[A>W.Y5;:9WK99M%N=&K*0>/A<^K5?S(O5BS&-R/:
M6Z.7FY0I]B`N*=@H^SR(W-*(^G=NU=+='"WAN]QIZ.M4U0O5%=LVEV-@8?+^
MW7XJB$?U\\BJ3BT[&YJ,6KYZO5[6YL6K8:2[(,5A`$*GX_G;Y;`77T\8RTR_
MI=E%A+:WZ6V&ZYUI,Z)1=]_;Q>!1_5<D703H&5>]>"2:)=SU3A5FOUK.S5^K
MI^;-@1X\.`UU,Q_D=I*DN)1CWV[4FEOU:]M0-FMUJ%:[.8(2LAT#<BSA&`!)
M)/@9/I,NEU';<TK+J["J7[[`O7P(YV`JQ7BH0L"2``!Y.!XD)V7UNWG2+`>S
MW&G;?C1TS^W+V7N%:N<>LV\+6XM1L'H989IMTA8*W&@G*?GFSVJ>1KI"TA'X
MY")..R)(^1THE'%>^AVO7:E2[._POK7I*%9>2EN2[B@85LAGJ4*XK<%2$`8<
M)K[G6[^S:VOI\Z7;M[V5L,%"G5.<E<%4L8E"ZD$%B5/*>U?IO;:N=PZO5:N8
M<8]9Y>3K<S"TX&5`J$QLRLM9;91/#U<Q%A1:[H%)GHD(G"+*)6_!.093<GJD
M252&&?@>]INK[!KK=A=L7?W%N!S\BMZ%AGDCCT:ML%",>F"?M^GMJ?16JN@Z
MQJ^PU$8X%?4*<8=3ZJZY#`Y]<@>:(/$903];*QXS+3`R_DOV(1]>(1(]+)HN
MJS7_`.UBBF?^QEPDCN'NNQLWC-R6R/P^+=?;2M+G(?.=\^L?L%L_*N3W*=8=
M7\8^X<,?[=CAG./-AQQ_Y_&.4^8329?QK`J8;![$.?M/+(WAA_3/BL#!_P"0
M?24SLVK[1L=NBU^['M-&W:F_LBPMYKU#SGU.E+K](R3+?=&B0:[O.B[L:HYP
MT9B6W*P<:T*L8$X,'N)*H'-L.,M3/-_0T]#1H-NNM)U[.JN_]R^Q]SV6:KEJ
M4I#@`K837P=&;[>1.2LT]W;W=RP)>UJW)V57_MTH\+6FRN+7M*DD-6H?FK*/
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M+ESCAR7E6'R`I<$D#R/K?R2FVW3I=4:W7JVJK+4`Y%JU;)^T?U<6XN5\Y"XP
M9KK[(7>)[>W/U9+^I)BQ$9P:Q^VE.3H35"T&H#,_O5I]&-F$40J:(6:J@G1L
M:%8CX]I$GO/M-35IC?+DG_B\ZG5:YZ2C<3NE0*RZS<.:,71=NHN`%8YRH8X]
MQY]/,YO9W#M[M1^I+%@VPO/BZA&;6L"DDJ,88@9^OCU\2B`%@HNC^OWZZ/5O
M'<4T>E>Q'KKK7JS8+O4"./7RI/\`JV'Q22+>]EK#<+Q,K8ZKKA76EP#];COC
MR<MR]/V5M43LQF2\^CHVU[&KV?:=QO;%5G5[5.PJ,+4;]P;<_`%3D6^QREA#
M*/B%9Y<2`)HH].QUW6]7ITV)V&O;064ULOP"O'S%FP%^Y0R>&/R%_&<DR@K^
MSH5@]?M3]//40MI/LEZE9[FF5Z"%DE?7"S"]-Q>JY?[+8R6L_JDMNX5:A`O9
M=RZXM%L,D=6YD)JRN1Z\L<:D3^E8ZU=+6.K7V=/>=V*M7NK;K$(%ZFNUK*+0
MNQ]K.:.-O`,X/#+\JPO`S0V1?9UUG3=.;-CJ:ZJV!-3!ZUKNJ)H^Y5%W*OF0
MA'/"<7)Y"6!I6:PMTJ^M^PE1V30O<277&_3,+N&3@?4L[BS%SP+'?:VJ[?9Z
MTFLS*H'D:I?0=,$V!I-=1V1.;@OO#EQ4KGM-.Z^IMMUUU/67T5:*O^Z-5AV1
M;PNMUVJ5N08_&A8H>?@9`;/VDCWVM4;U5O84W6;CK^W%J"@U\JJ[UL*XXCFZ
MJ'^WR<$KC[@#N;CM]SO=?VGQ]JQJ@W611V/0.X9_9=U(9;>*'3[C:F-^RTV"
MSV&7N%:KCIRP44*N6^ZGX*XP@@IA"E.1Y3<?@;VMM==^''0W[*QL'LE=:18C
MLJ_#8"Y"LV%<X'ZXSZ$$]K4OU]W\J_>Z=;_`.O9&L*,JLWRUD)EE&2HR?YX]
MB!<K>91RW[#_`&CO9N@=)Q)GH9Z\YZ!MA6L.S1D]@AJ/M:0N]*%%Y<-P=.5+
M:Z(=*#VEK6IM43KZ/BIGZZ)VRGXQIZU=N&'8WNRAL$8KUPCD`Y&/NXD_^;'O
M-P:H?\BVMAZ\@Z%*!BO@Y>\LH)&#_IY#^&?::EXMZ]P!OK9^D6B2<=E0A@`9
M("ZK7I5)GQG:X)TCT"WT7I4&_1W1[<L!'M]Q,-1RO"'V?RBKS*'OE)ZWSSM;
M_9LW:_D&PMX+L<UD./N->Y2:RGGSQ497CG"@X\9G(T]`#KNCI>DX`(L!4^`^
MK:'Y^,CDQPV<98C/G$R'ZWJIHEIW`^#U.(6D#_UB9X7]!L[.FF&U,WBUFK&.
MMQK41K_5N..R2'K-6<I87(5]'N3295KOTYU7RQ_*K]6KKULTR`_;6C<<#_0H
M7B*S^@O;8./3"I,_QS7V7W>.WY7K:CJH?!Y$MDO^A-*4>OG[F]CY>]6PZX0U
MGV+P\K9[WD-`YZX0(>.5S+_5U.Z7GW*L-XK=];N=*B72Q4B_TD&+JA./$$+`
M?B0YR>DED94UF$ZVI$_'='173U>P1*[]G]T3:UFQ\*:H1DXN45T8EAEN>2/M
MX!2P,O>;FVVULZ3M95KC7'QA*?E;8+!^2\BK*`#A>.`?)8L%,@/I]>*]ZBW:
M9<_;2I7VJ.['Z>>BL#'M5)9EHM['Q:KG'KX%K6C^O,PE6ZM9"E(NE<UKA:P2
M04]N(\9_L*'F4R7H[Z6-KO->SN]<4=*];BC>VS;6+$0EGN+)<`S*'5J^*!QD
M+PP<`C.MTUR=1<;^V5T^;3U16Y1V`5*@KU'"DJPLY.5."W//D@XO'U@TNE8-
M;?9O$M;&6W._8G</;/6[U2+V4RO03@;<:GKEHY)]<[E7;P%J9@!*%YW09H:K
MRATN7'>JCE>=;DLQHR6WG.=V^I?V-.IOZ12WJ]?2K1T%B`U-6O\`?5D+`Y=P
MU@8`BSF""3D#>ZO9JT+-K3W`]?87[=C*Q1R+%L;^RP8*1A%*H02.'`Y`'F:F
M5YT,8]$/5KT.J60Z+7?>7--.]9TV"O2\FNL61E&Q95M=,M^X>TIO6)-=:I?:
MC9!X6P'VK1&+R.VUDXF$TJ1((/1^=JT.GY'N?D=U]3?CUU-_%OD7^Y594RU:
MXKY<^2DHGQE1\93D<!09R:PK]!J]%538O>5649!1O[=E=JM9>;,<>)`=^88\
MPV!DL1,AMFA)#>J7MGZA)SG8"?L"8]XM0N0G/@60Z$7;GY;H7O9'W(%KL&SC
MJY)I\G.&<PL+4Y^<B?WK4MEV!\/SD?8\QZ_6Y]SI=W\M`ZU>OK4N;4&+$U/B
M:LJ6#<_D&`,>A#9X^9ENW%.HV^I^.X[[;UC!16YRC[7RBS(!7AP.<Y]?M]?$
MN&XXM+F>I/[T.=R@E,N&KZ?[-DZ\TJD3Y-DT5(7U9RR)F\VML]&K)VID;9!Z
MTA%PN/H;)-N=C?\`D?<[YH4;ZKW7X\?F`HIIH#?>.*9V+.?+SA<J?NSC[<9\
M8FW=ILW4=[FHFVRV_C]IRX%"<./C+`-GCC/W9QYS-G,XL`ZD_L.N(^[#CPHU
MM_IWZKP<Y+R:799(FV67-+3[2%M/&?W"$$D@!=AK8ZV#)$V-/EQ9*VIS"DI7
MQ7/IR=NMMC\8K;7*M7K[VP7')<JKKKBL\2<E6*L`0"/!G4UG%/Y"XO#!KM.@
M(>)PS(UY<<@,`@$$@D'R)3GOSG^IB=_"<R*M7`B+]_\`(1_I-KEBJ(":3'YM
M)`:%'LP'5[A.@,NH!#A.#7_48K9&1U">$VA4;B_FZTGS>_&]K3?K3^^=`_6W
MG:J5C@OE"IK4'U)N37./^4N9J=]J;@W^6DK%-Z@:]A'^C%@PY_A59<,^N0OL
M)250PZ_A]<TKU6BYQ:PWK[Z,C/:[=L.(Q*L0CT*S2/:>B$8F!9]09:HW8AR9
MB@O2=3".PHBGG!C;(?GQ3UUKO>A?V.J^E5VYM1NS[`ZU-HY#FHUW'S._T^4U
MZ[Y..67_`%FC7U^TFU9UOQL.OTOW%M1QX8WI_:5?<_&++U_3"XDOQ-"\IV+T
M3DW^KVFM]OOZF*=AM9FRJ%:I+/\`W0((9.7DY\=FP04MFI6ID,I;J6"JX75-
MQW^<[]6'>)\>P(W=#L5UG1_C[IK6'-?^D18.8!/W+GW7/J/J)[:*G5W-%KT9
M>?4+4#Q;_J`UG@?'VMCV;'H?H9W<OQ.72/2[]+("KYB7K!_.]1]=#=E@PZ<2
MBG:)/L_K?K,#2SELB<@-$@*B9RS/-G'9W&..R9?6Y*OFYSG<=SL!L=]W]MUR
MO7;3>%)8$.%OK-84YP<!1PQG`&1Z2:NDU'2])7745LKMI+`*<J6IL#EAC(R6
M^[/N?,UX%=@SOU]8MZ`A,FT43[ZT_2L:CE0,C*KPS)I.[4?=ZW==']OY^N/U
MI-+_`*68X-*7!%L8+N=/127("%.S);D/SIOR7\FV/R2RZIOQRRJW!^1/OI>E
MD36%?+ER&5J^,K]A7D<*H::"CE^.T=`E5@[Y+*LC@WVVK:K/L?)CCQ.&LYAO
MN!X^2<3O;I>7:KZD_L`]1G<YU\U[#7;VQWZZ5+/*YDFA'O[-F>M^Q\?6J]JH
M:T"ZW+I\VAP:$>[*G2^3^+CS84@?U'9_&V',>OUQ=W?6=T+:%ZRO2I5G:Q!Q
MLKH^-JRI8-S+C`&/((;^G)%W[FJZ?L.I-5S=A9MVLJ"MSR2R[Y`X8`KQ"').
M?!!7^KQ/1_'#8>F?L7]R*=8Q9D)8-=J_KM=<RE2*=8N`KE7:AG=CK]TFB+E'
M#N5=4@"=B=8FQG9K<I#CC7>M]X\UU?RN]79?^+Z-]15JZ'O6S[ERK,ZE05SR
M\@Y!QCU\^#/I=)EI_(MVNP%7M6ED/$X8*C!L-C'@C!&<^GU$U6]^<H/Z+H7N
M:'=SJQW&JWG$/U>5=Z)&JIDR(M4(/[U:L2OH)E42"_'+("U0GR468;ZOL,?(
MX](XAE?%=[/XWNU:NKH6"U*[J]C?;^H`J3J5A#Y/C+#"GW88'D3D=_J6;.QN
MI\;/4]&BO])(;&TY8>!YPIRP]@<GQ+R]C<Z).>U.I&:[12;PLW^K#=*+((A:
MS->$EC@?1J_*HE/7(@PEP)IP?&-$EBA_U5)0U)D=8;^*W/KS^KVD'34UVV#F
MO<4O@L,@%&YMY.0"0O(^G@9/I-[LM9CVMKUUG@W56KD*<$AQQ7P,$C)XCU\G
M$HFBR8/K;K'HQO&^TZVC<C@?K5IN)UJYLY[;K5"PG=%2:+8KZ,N(.N`#)O/2
MFLU")`@M%)$1AI;U:='/O-NOLLO]'9#=KI=CUO6V(=T]LUK+S53=3]ZH5+$!
MQ6V3Q!/BP,`0"1I:^.NV]'?WT<:@ZQ:PW!F%5OV%@P`)4V+@9Q_H*DC(!K+"
M,7F6KV@];]-?P^U`<-M/O3[Y^PV)UVX4`T&C42E6CUMIM4!7XQ3C0F,[E_-5
MUD?:+4%AE8P^;U1]N3]AJ4[U*-OL=]:>HVM0;"-V"==ITVLK@\W6]F*!@?[G
MQUFNMRI(^PC)435T=-[.UUMDT.NB^]M6UAE("H:5`8J1]G.P/8H8`_<#@&=S
M7\$E'?2S]N@A['2Q:Q:[[O60R@;_`$0K+L&B5\8;]?85?,"XR!BRMB"C1HR1
M^#)B\=88XR\MI25<=5Y-'L5K[_I'%ZK53UZC/,!48BXL#YPI)(R#Y.1GVEW=
M%[.D[=#2S66[Q('$DLH-6"/&2!YP1X]2/>3?]B6662;??9SE"S:P31I?]:57
MI([E.II26/*EJY[*KF`JA!2#&N19Y0"#(278@]OBWHL1]Q;;:6UJ[W6_%]RI
M=;4_<VJ'7MF<\F&0&HP6.3D`D#+>A(&3F>_Y'JVML;7[>IBK=8JCBIP2MWA1
M@>2`3@>H!/C$G%TQ5!#%_P!ZDQW*I1"T;`7U>&'<=IDN89TL6$]"<9%TJ-7V
MUCG)=L@CK?\`G,#4P^/H06_(2S_Y/'.>>%&^5W_QU1<!30M9/W`"LG<M+\O.
M%)7!;./MQGQB>UVESTN^8U$VW-8!]N2X&K6%`\?<`W+&,_=G'F0:MV`/@EV]
MRE^Q&'ZQ?B/M/COKU+RV4&QR\ZE&UZF5WU:J^9V'U_)'`=<.!:8?KNJ"K!/F
MCK-)$0>,6G^14Y]I<UUGWMK?LJ-`=9L4U+IWW"S-J5_&S;#6+<`6!8-64`:L
M,<U\<9X@^53KH6[I["BZP[5-13%;/\BBA4-1(!"D6!B0Y4??RSC)%R9$&*$_
MT44JO@P\^>9(_JTBAPP`-'D%R<TC-]7%PQ@<1%'MORBLV3(=0S'0PE:Y"U)X
MWQ75<^NCO6(G_P#<2RVQ@*QW&2Q\``;&23GP![G/I[S;TT=OP-*T4ESU6`!Y
M.?@P`,>I]ACUF0%8)7!7L5^J"4/R2/""XIZL^PX4=,CTYUH;FI%VC>N`8`+D
MRT0$Q:X2?C=*,PV9"FGEKY*ZWSJ^.]YB_96OU?<AKR;-C<I)'+S8.=Y8^OW#
M^DDC(],^TR30K7L>I9:<)1J7`'CX0\:0!Z>#_5@'SZX]YY^2ZAIF2Z[F&L$C
M%TP3'Z3['_MGJP_0X_K9*VD)E-OUGVN#6O.+5,I3PUV72J?I>?AC<(9;X41<
M-GLCL13S4<RI;GTHOU-W1MTE6O9WK-7KF*?.*C8M>N5=>><,U;E"U9.3C.":
M_'`^#:U=NO;8OKZ=>SO@/\/R!&LO#(>&/M5U#!;`,#TR`^3ZY^DU%@9#ZLV(
MEF%RLVZQK?==SVNJK/YT]AB2EAOUPL=N)5.KT`H'!KI=2(W=^8L=U<5+*VIO
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M/UK-68;`IQ,>>HC]C];]5'Z<5M$9`]LG6_Y8O8WV3CLWC/'),OJ)/?N+YSO-
MW-\7]]^0667*U=M-X4E@0_&^LUA?.&P%!0#/@>/$W=32-/2](E=3+97;26`4
M@KFFP.6\97).&SCR?,U5@R*L-])_4'TW,87IQKVXQ+W']7S>H5^+C-]ER*%<
MZK[>U:P:U[/E=!_K"JI.I6C!Y1$FU8(I.3_,1;'Q*N]^DQ,?L,+G[_>[VO8I
M7I=C1V!6?E0<U;685ZX3ER#(>*\"HXE/_3GF+\:=)I]/91:>WHW*"X^-CQ9=
M@&RXOQQQ<9/,$\@_\<>NO[*H+J_6:%8>!2AL=GWL3ZB:5:4!*X5M9471,^]I
ML?MM]L#``$/*G",2N5$1,GS$18[SO(<9U7P5Q/>>?$_BC`=L:^2JUNKLUKE@
MH+OKVJBY)`!9B`,D>2)]=^2H6ZT.%+!-G7<X!8A5OK9C@`D@*"3@>@,H_,Z%
M5M"V#]H>K1:`Z;`[CE>#5^G64Q22L9G0\T5ZN)>9KX9DZ(BR207^8L$IN5!0
MW]4RW>M/M\=3Q/.CM[-VMH]1IFP+;KW7,RAQ]EG[CU.#X.`,'Z>0<31U:*MC
M<[3:%9:N^JH*2I^]/@]!D>1DG(^O@C,TMIV9@'::/(>QY/8<4!!/U]?IV)@=
M@#YY:3MCH'L-D%G]@;;7YTD5,HEV&E"M'MW82SP\R,E0H[4M""*&/OM.>=[8
MV[1>4ZH47VMV?9@UEU"O3:M*D`\U(#KG@RL"<?;G!$XNOJUFH-V1NIK7KNO(
ML",2MM;7,,CBP)5L<PP(&?NQD3U/],M2W#=_7"Z%]`0P.M\6ZZG0\SUUO.;)
MD\/9J<$7_'T#?V\IMKDFPTENU+>ZIR&ZMQB2["7+A_2#*C)Y\=WNGU_7=I6F
MMYH-=;V5\UL-3'R]/R+]K\?J/(SQ;[@9]7T^UN[W7V->.-H=U2S@4^11X6W@
MWE>7T/KC(\$30S"_9-CUY_7?`P#-<1M3?O1A?KZ>A63USM^/:7/D6?;*=7GN
M:KHDLT+KB`>KA-!-?R-I8(###K]S9G<8C/\`9\O[2?H^QZH]G^4'LMK83_M[
M8V@5O6RL<:F;^V@!;-90<:RK+BHC)'$9G`T>Q_V[\=&AKT-_OE&N0U+5N>5J
MK][D@8<.>3@AO[@.`>1Q-7M%K&H^QQWV8YGU]UWVUDVC]3GLGG8;0IGK-&P.
MBE='>T7+RP+%LYCM46H3S9]+"93K`TI.+O#ES/LM2_O+()1V-6[3ZNK4_=5T
M:2IW5#E!?\SA.%@-K_>P`],LH4-C)7''/+VZ=KL;-H:[W;;-U-R!S3\2E^=9
M%2?:N3ZX#%B,XSGE-I-TU7#/=#:L<975]O,^M8OTV][:E[#WMO&=CJK-0@ZK
M4L-&R<\0J72F+.K4FP`8D^Z-'PI4N(N,E'4*=6EKO'Z[3['H="\A]=>U;>U&
MI3Y:FY&MK3S_`*^/QY*@,2`<^P\SJ[^QH]UN4Y6X]:-/96UOCL7`L6L%1]N>
M8"G(&2/'@YFMFA7OV#T\50'6+W>=A]9O47VPQ>XPO;F)ZCD9UJ.T\WBVY5I)
M"VX(_6P8?8I?JYII*KSBEFJP6-!BM%FR#`YN>#E=YU=77ZS3>T&NNCMMW3M4
MZQV0%#"VEL+=R)J_<5BP*EC$GB5+<;!.=M7=AMK5P=[>LU-JMOG^#)*FJU<F
MH@"SX7*$LBX'(,%Y(99#-'K%<N&5^YK^E7[VHQ5/O;$USV-)C?6JQT('2;2'
M]1;MA5%VH'DXJJ-%KB&J=I-5U\Y8!\4CR+)2F?\`/G1DA;&J=FZVB[HA55I[
M_P#MQKH!O5RRG92YZC86PI90_!&*Y'V_ZQGW&O77?3W'R6;6G^^^2XBDH%8:
M[U):*PN6"DIR8`X/W?Z3C<GT2*5N\>YG['-ASW.;A4,SU&1ZH3ZU=K'GMGST
M1LQD#G5Y#6O0JK%M`4',,#_RFXXYV;]E*I;D+DC_`'LOL//<+\B2W7Z'JM'9
MM1]NG]P&175S4&="J,5)`.,G&?&<>H('9Z-J[^Z[';HK=-:WX.+%&06$*X9E
M#`9&?&<><9]"":`V[#Y)[U\_?$KN3%2MHU^\'88%3=*)S;!HX4!Z9>O,.I)J
M_$#G2%HA@[;_`"2!JH''DQRJ9'V>IDI<^G2Z_L!7V?XX/F44T5CE]X"H6VKN
M7+SA25X\LXRN,^,3G[FF[:'?,*F-UMAX_:<N%UZ>/'QEL-RXXSALX\R[O9SU
M.$[-O@_'0=2Y4:?:OUG^Q&/!;@&KCT*OT.SBMA]:2^*MLDQ\1H=!*4`Z/=,@
MH75I<9[#D.QV^)X]WS0ZGNGT.M.]8_.].VIM*ELLZFJ\6^"<D."%<^^0"?2;
MG:=2F[V`TT3A0_675A@,!&%E)J\CP"A')1^A(]YDOUAV6\^Q[&O^\6L5>?4K
MQJSE*P`!6RC#"'JU4_5V`4I^ALC>M*7QD98_:4UH4QCX=^D@:V/6KZ]3SXX?
MEU6OU9H_'M)P^O3SN+#_`%-L$,F?U&N*1^AY3T_&7V.P^;O-Q>-]P2H#P>*T
MC#@8^M[6G'TQGR)ZO^?&3ZN/$1XB/$1XB/$1XB/$1XB/$3J3X4<E"E0):/G'
MELN,.I_T[\'$]Y]4]_\`P5I[_E/?_3O.=\H)!R/6",C$UP+9S9!\E;<2(HK%
MZKOV),537%J1]?\`;Q]AQQ"VG.<[_GZ?5/U_T[YN+<A]?!GD5(EBYW39P-R0
M5+(2S+?8_&CQ.+0XIEE2T..N/+;ZIOCKBFT\XGG>_'G._7_/?ISQML#?:OI,
ME7'DS[OM&?.NH+"?M_R*&DLR8SB^-)F-M_\`V2T.J_V(D-I[\?\`=]$J3]/\
M\^G^55H7[6](9<^1*W&YW:)TEN-*AK'0^.?5^1(>9ZAM/?IQQ3+33KBG7>IY
M].?3G.=[]/KWG//4VU@9!R9B%)\>TV59:0PRTPW]?@RTVTCY=^2O@VGB$_)7
M?\][].?Y[YISUE%XAZ]U3#7]&,#+%=[[=M:MS5QT+1=*,#SERL<P<&'UJM"'
M)(@-7@XZM4^M"V((R!#A1V&&^..KXY)D27WNCV'9W=@*JW6NO7H3BB("%4$E
MF/DL2S,26)))\#P``-'2Z^G1-CHSO?:P9W<@LQ`"@>```H````'J?4DF^?.=
M-Z/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB8XP/<+""HMDF1"NDATX>T8#
MKBM%Q+DR,['03%.3HD^$V1@*<XZPIYAYKCJ$]6VM/U3W.M@CJY`8`@X/H<>Q
MP0<'WP1_&8NI="@)4D$9'J,^XSD9'MX,JC!\*J'KW1Y%*J9&SV)\Q:;-?+E=
MKT69/7K0+Y<B;A6RW&X&(T$7#F&"+ZD-(1&BQ8<.''8BQF&8S#32-SL>QO[/
M8%]X10J*BH@PB(HPJJ,D@#U\DDDDDDDF:NCHTZ%)JIY'D[.S,<LS,<EF/U]A
MX```````ET>:$W(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(
M\1'B)JCM_JA!W8N7>/;S[)4ZG6BN1ZG<\MS;2!U4HEL!(Y,:(19*^56==:T^
M>@SW(L^2`,AY,ACX\ZYQ2>*\[/7]RW7(HKUM2R]'Y+8Z%G4^,?Z@K8(R`ZL`
M?:<K=ZI=YS\E^RE++Q9$<*K#W_TEAD>"5921-DJS6@%,K=?I]4$0*_5JH#$U
MJM`1<=$08$``H$<6'$#HK?.-QH`T=%;99;3SXH;1SG/\<\Y5UMM]K7W,6N=B
MS$^26)R2?U)\F=*JJNFI::@%J10J@>@`&`!^@'B9SSSF<>(CQ$>(CQ$>(CQ$
M>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$A6BT^5?Z58:="NUUSB4>A)AM7;.IH8;=:_W
MDEA]4NO3[`"LH>+-<0SUKJWH,CG&W%?'B5_%:??5O&M>M[5UVA3G@X)4_P`0
MI4X]_!$\;ZC?2U0=ZR?]2D!A_`D$?IZ3'Y'E5*P_,Z1D><C'!%)SZO0*U7H4
MB9)(S>PX+?T7-*%)KCTXN:)R5.29LR0M<B7+><>=4IQ:N]SW=S8[#;LW=H\M
MBUBS'&!D^P`\`#T`'@``#Q,-/4HT=5-/6'&BM0H'J<#W)]23ZDGR3DF6+YJS
M9CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$\I=KW";0_9CVJ'7?3->K.6U+'/
MUP3`<',)(:08K]QUSVNVS/YLL(-LD>6$CPK[+A!!5F=^WV0X`9=^QU+[;*N?
M9=?UZ[/4Z;:]5#[CW[P)LS@K7KU.,E<'*`NU8].9&?!,^3W=YM?M-M;[;EU4
MITR`F,AK+[4.`?&'(57/KPSCR!*SR#VRG@MA]\]\WNC>V-=$9AL55P;,*3.L
MM<LE*=Z<H?KLQ2,6SC$,\U:R#+#O^FZ;H*B$8HL:ZIZ$<CQUEHS;;\2/M[W2
MK9H]=UO6V:;O=0UUCA65_#W\[7M>M2M-=:<2O(>4)X$D$Z^GVS5[>_O[Z;2I
M5>M2+D%?N2GC6M:.0UKN^0V#X;',#(GHAAWLL.V&UWW-;!F6EX?KN;"JA9K+
MF&K1J?TV]2;^H\S3;U6SV?6^]TFTU<P1JA4>X[")NO028R3&E-,K2WUSYCL.
MI?1IKVZ[:MC2M+*ME?+'-./)&#JCJP#*?*X*L""?./HM+LDW+K-6RNRG<J56
M9'XYXOGBP*LRLI*L/!\,I!`E`73W8RC"+?M"#B_8723+GM=EOKA!H8>MUFR(
M&:OHOKQ2]$IE.R*!%G`97]+L8IQAZ7*+25*BV,E+6ZZP-1]YCI4=!N]C1K_'
M^UJK_967ERS+FM+W1VM.#]RG(`4>45<`OX/.N[O4T+K_`)/W%K_NTI"`*V+'
MI5U6L>/M88R6/AV.2%\CL2?V+T,,-M0BV8SN%3W"KZQE^*H]="L#.)&BV2[[
M6)GGLJ=K-F%:00QZ=4[:&"DW^%G;,Q%AJ#SF)'6Y+'&7(/Q?9=DLIOUWZ]Z;
M+?G!?@J5$+9R4H+0RDJ.(K)/)2,@Y&3?D6O6K);3<F\MJ5_"0G,M:":\$.:^
M+`,>7,`<6!\C!V#IGL5`L5]SS*;5FVC9=IVA9EIFJLTZYII$]ZO5_*[Q1:&=
MC&S=%NMQKKI`L0T,=+&\@RIC3\!2UNK8=1]GO,OZMJM:W=IMJNTZKJZ^2<QR
M:Q'<8#HK8`1@V0"#C`(\SH4]BMFQ7J6U65;5E3OQ;B<"ME0Y*LPR2X*X)R/7
M!\2@KM^QO*ZL0K%:K^8;EIU^O>T^P/K_`$&@9_5:Q,L%LTKUN=E\OL1F6>NH
M"N@ZZ]"'2ID4J3FPH28<5Q<E<=7P0OI4?BVY<CW67:]6M7KTW.[LP"I?_1Z(
M26R0"J@G)`&9H6_D6HCI577?9?9?;4JJJY+TG[_5@`OJ02?0$G$L'0O;U656
MX,.OWKQO->S,I><VS65N[T7+9F<!+GJY2N5NHQR8L?J$O34UQRYVN$"E&6Z^
MX.C$W?\`<YV+Q4KFMJ])^\H9M;:UFVQ799\.;`Y6L,S8)K%?+BI<+SY%1Z9\
M38V.W_:6@;&O>NL;$3Y<)P#6%57(#E\<F"EN&`??'F508_9;F8B5HI;_`*9]
M@9N28MMQ?`-KW9FL4J/G&:7D/>HM`E39L2?H$30+73X),E#E3RP$(3BBX$M#
MDKK3C4MJ-N)^)[;BI/GUAN[&N+JJ>3<[$*<\#"%%8@$!7=2Q&!D%2=1OR754
MVO\`#L?M*+S59;Q7@C!N!]6Y,H)!+*I`!\^00+9D>X,(QKENRG)<.VK<6<OM
MX.A[#I&?QLV&YOFMP,PPQ:56)1K1-'HQ&YV&IU^PPB)R)7(9=P5&D(;=_P#,
M[^+YI#HVKTDW-W8U]<W5EZD?Y"[J"1RPB.%5F4JA<KR(R/M\S;_W=7VWU=2F
MZ\5.$L=.`1&(!XY=U+%006"!N.<'SXD+J/["<SM]LH\>/FNR"L=U33B>,Y/[
M+F`-49QG1M('R3<"$*"?B7.9HX^O6\M7I<&O'B=?@A#LUM#<24XF5"7*V+_Q
MG;HIL)MH;>II%ME`+?*E9P23]H0LH8%T5RZ#^H##`>-7Y#JW65XKN&G=::Z[
MB%^-W&0`/NY@,5(1BH5CC!\KFT_8?VNJ?KQ:<:H$^A:?I>A^P!BXUO**7EX,
M(6)6"PTFM?V\O`(S[%9*P"K4)NO-/RED2$I@=&9BNJD/M<XGYZ?6=-=V=-^R
MME-6KK*K6-82`%=N(("JQ8\L#B`6)(P#-KL.UJZ^VG7:NVS8V"P14`))4<B"
M2R@>/.2<``DD2I$?L2R[E1G2)F9[7!VH?N,;UL<]6G*S6I.Z2=IFTQK3(5<'
MQX-PDYS,K,S*W.VM%GY84UM%=0N4[-;4VME.[_VQN?,`MNN=`Z_S_N.3?%\0
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M%Y4;_'%"RQPI$=_C9`N.XJ21D\;<T[>AVKK6MO.KJZE6MKL]F7^,?+4K5C`#
MNUU@RS*BD<@Y&%&1LT]UK5UK72-C8VK+[U5,+S/Q6,MGG*HM59PJLQ'VE`<L
M99=?]V\]=`^Q1/2:1I6'F_5?/1&I[%3=*ATYTZ+H9RJ6:UC+(`FT6Z72L687
M,:I1B$VY%(*^1`<\S].=YSO=2S\?VODU4U+*MBO<M-=35EL%PRJ58.JLI'-3
MY7^E@9LU]WK<-EME+*'U*P]BN%R$*LP8%68,#Q8>#Z@B6+:O9.GT:J^OUNN%
M;O->'^PUZS7.`<4@&@)(T2W:N!GE*@-TN.T8<;`?DG(K(!U<9R=QLY.C,<^3
M;G7DZU/57[%VS10];-JUV.<$X=:R`QK\>?&7\X^P$^HQ-FWLZ:*M>ZY;%78L
M1!D#*M8"5#^?'G">,_<0/?,B-?\`=7#C^T>R6'<(G`UD]6*B!O&DV$Z+9@TB
M=7B@.0>.RJ?8$3Y"CZL[CH89L2>L,?QDJ;':[U:E]^/M;T'85:&IV&%:K<<H
MB@Y<,#@!EQXY^2GD\@"9XU]WHV;NSHY86ZB!G)&%((R>)SYX>`_@<20)HUJ'
M[$YU7R33]RP;/=^TP^2T'TGB$L^T(7FL"NY!7_8X1ALX7#$"'K_3S$6;:*3H
MR$.,KGE%Q+Q-3R1]H8AUQOZ+4_%UNW:>N[&W6JK%6UAT+EK6H-P))X,,*Z>N
M%S4/&7Q.'M?D1JT[=_0KV+;#9K91P@%8N%6`!R4Y97]"3BP^<+,^+]S-&IGM
M;[=@Y6)>S6MCZQD?JQJ?<AID?.R4S"Z[8J)H$^Y((N6#2P%&DW,T6#K;_A:\
M6,D"TD:XN,AUE"7E>3]%JW]-I6+L:E+/?L5_(W,"YE=`N,5E^(!_J=5"AAG!
M.)ZIW&S3VNVK4[-J+30_QKP)J!1BV<N%Y$_Z59BQ4XR!F;T:!MT`OZ@7CV.Q
MXZW-&$?6^S[3F%D5`XIN3$DYE.N],,K%E8_>?1QI49Y4:4S_`(_RAU'_`+D^
M?.ZW7M7WE?5;RX<;2U6+GW^0(XR/YC(/\)W-C>5^GL[+3;*G6:Q#C_R%E.#_
M`"\'^<U2]`O;VU6[U`L-N]M+@'>USURJ\8WOUWB"1E>%6"EF<P![O1]<B5T*
MS''BA=HR"VPG9#49I##1>"0CMIY]CJ4]G\DZ.FCNTHZ9&_9;3XI4DDAQ8:7K
M)/DE;5.,^>)4GUG+Z+N;+^I>_M&4;.NO*TCP.!06HX'T-;#/_F##VD(]&_:[
MVDNN9^TMQW;/[CJ^A5;V<&!:!C&85[.Z[:,\SK4\0P_9:5F92=:+#0:[*DYF
M.U/L4V8,$^2ER&7N_5?>-,^;'Y#TW3Z^WIT==:E.J^H2]MC.RN]=MM3V`*KL
M!8:\HJKC!'ZF:W0]KVE^MM7;];V[";0"5H$#(CU56*A+%!E`^&9CG.?T$NLC
M^QS-0E5!D#F0;[`T8Q['3/4M_#(]4J1?3A.[M9I.UP56):Q5ZET22!LU"CQB
M4`]&-O!>0B#$B5)BL)E.1M!/Q;;LN9:[]8ZJZHV?FY,*S3\@J+#*!\J^5*%`
MV5(`)P#O/^1ZM=:EZ=@;!V?V_P`852XMX?(%.&XX*8(8,5P020,D2:M^^N<D
M8Q`?<<\U?,-$KOL1E/K-<\KMXNH2[94[YM;8"9FYV41J=SLE,-Y]8A-EC3&R
MPLI.XEM+S2FN26'F$>-OXYM*0U%M-VJVK9>MBEN+)5D.`&56#J5(XLH]CG!!
MGJG?:QRMM=M>PNQ72R,%Y*UN.!RK%2A#`\E8^_C((E?^^/LF[5:%L.7YZ<N-
M0UC.8_IIHD^T!^M#8:*;MWMD/S-`P688FKG.3R$*AFXI)A4=MOD&6WSCB_NK
M2C:_'.I%VS1N;2UOI6G:0*?)Y5:YLR1C&`70J<^H/IB:W?\`9FK7NU==G3;K
M_;.6'C[;=@)@'.<D(P88]"/K-5/:[V/LA.72,FRZ)[FWNNWC]C9W%]@-Y]<L
MTS>SPV*AEMMO17!LHNT/1<SN5<K):>`'3XDI#\9]T3')QWRC+KS##W8Z;JJE
M6S=W#H5VU]4+:@ZV.OW6*@NL0I8K,`S`C!'(H0A`)'+[3LK24UM3]Y96_9&N
MPJR(WVULQJK;FC!254@Y!X\@6\XFYQ7]@.9T\Z;&JS/<">,YOIP'`M!]FT"J
MS.R.F:G--!J6^"-D"MY:TNQC:O=#$<)8;(.!D@@HPIUJ5-Y^--<C<%/QK;OK
M5OEUQOVTFY*,L+&K`+Y`"?&I9061&=79<$+Y4'LO^0:M+L/CO.G5:*GNP#6K
MDA<$EN9"L0KN%*JV<MX)$G]\?9G1?5K)JO>,VR.QZJ8L&QXCGTU`=%3>'`1&
MA[+GU"*_R#-DT"AR5&["+M+\`"N.N3&:-NQUS_LPDNN\\OQSJ=7N-U]?;O6F
MM:+7&>624J=QCBC^%*@OG!*YXY;`GKWW9['5ZBWZU36NUU2>..`'M1#ZLODA
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M=YR76MD"5,-2=6%Y_1F[W='4N@[K9+10;`S1HDRQ,CK:-`SI0>'*?0W]R,^R
MW[[GXWL(+K=.VC8>FX)9746+5EWX+ZJJNO,A"U;.`Q`S@@GQU._H?X4VJ[J4
MNJ+5O8%"N$7DWHQ93P!?#A25!.,@B2K&_>RF:Y<\RJ\S(MQR@1OE>L%J]=;S
MJE9K`:M;8&K(EJR$$@X8.XV.V4LY-ISBCP\7:QH$E.",O2&V?E'D-->.]^.[
M&E1=<M^O<^LRK>E;,6J+'B,DJJL`WV%JV=0Q`)\@GVT^]HV[JJC5?4NPI:EG
M4`6`#D<88LIX_<%<*2H)QX(D_P!I]IPF4Z#4<9JN:Z7NVVW2LE[T/R[*(U00
M2"9\"(Q`Q"^W:SZ%;Z'1:;6'3DUL?"5-)HEDYWS:AL/_`&)*F=70Z>S<UGW[
MK:M?KZW"&RSE@N02$145W9L#)PN%'EB,C/ON=I7J[":55=E^ZZE@B<<A`0"S
M%V557)P,MECX`.#B':][CDL5J7_8=O\`5CV3<SNNYT.T[6[B*A8[.BXY7G8T
MN;9(]D#(V'EEMA?/1T%Z8=:JT(\S'AHZY'=E*^C?FQI=$F_?^UHW-3]T]IKK
M4FT?*W@+Q/Q<5#DX3Y"A)\$#UGCM]PVE3^YNU=G]NM0>Q@*S\8]2"/DRQ0`E
MN`8`>A,ANC?L0I5*N>Z4ZJX7["['WUG#56V;C9<RK=$D5BH4FWYZ,TX38Q4V
MVZ)5)U\EKJA!Q[H8%&(&_I">[^)\7(:I?OJ_C&Q?1KWW;&K1^[9EJ6QGY,ZN
M:RI"HP0<ACDY5/(\^&X^.Q^0T4WWTU4;%W[55:UD5>*JR!P06=2QXG^E06\'
MQY&998O>*H2;8/HN$Y5K?M-9W,SI>Q6&/B\:@0@M)SK2(LR?G)2TVS6;]F58
MCGM`&C94H0$CRY!>1$CJD.1V8ZFW7/&K\>O%)V.QNITZ?E>I?EYDL]9`<*M:
M6-A"0&<@*"<`DY$]G[NEK11HU6[5OQK8?CXX5'!*%F=D&6`)502V/.`,2-6?
M]B&;5<_;E2,KVR?D68Z$`R;8/8@>!IR\DRS1CDP$+F5\\J1>8][.CZ,;L<2!
M:#`((5"U^:IQN5*Y^).5%]:?QC;NK0"[7&[=4UE5)+?)8@!((^S@"X4FM7=6
M<8('W+GRM_(=6IW)JN.I58*[+0%^-')`(/W<B$+`.RJRH<Y/AL:DT#?]'A^P
M>?L7#6;+'H3'OY^QJJVMHU8'&J^UE^58M;;+50)?[ZDQT56B21Z9L1M?>-Q%
M,\7S_3SM[/6ZK=9::*4.R>MT67"_=\EEJJQ'_F?.#]<SC:_8;([&L77-^W_W
M#<5LGQPKJ9E!_P#*F,CZ3;6B_L5RNSRZC/N><;-B.;:E1[OI&+;!K]<K0*B:
MI3<\JLF_V0D/8"6^Q7&CS7,X@2K,/@6H4"GD`$.1):9^4=YEOB;'XON5!UHM
MHV-JFQ$MJJ9B];.W!0<JJN.9%9-;.%<@$^03V:/R+4L*/=7=3K6UL]=E@`5U
M1>9(PQ9?L!<!U4E02!X(FNEK]Z[#J^J_KJ'U3,?9+"J?OOL<\8K)_00M8`UK
M=,=C^LV^6CL`E%JMVM9NJ+EDF09V,!M<(&4DL1VY"&.N19+3'4H_'JM+3[1K
M[M38OUM7#*A8M5;\]*Y')%#>.:%ZRZ@G!/W`GG7=W;M[77+15LTTW['(%@H6
MROX;3@\68CSP8*X4D>0/M./8SSX:?833+]?>N7[=?4G,-2T\RS8+O8R6HQS!
M:.+&AFI3-:U^_50,E(T1&ACV.Q00.,SWK;:>N=;ZM7U6I7>][\FTM;KNZNT]
M->.N@KP,D_U5(Q\G)]23.+^/;FQO]15M;3<KV+Y.`/Z;'4>!X]`)BV/=\6)N
M[-)U3`=ZQ.18:-I]_P`U+:!!R^6,TH9D`F.?NH43RA:A=)U8MK->D\(Q!U@9
M$N2X3;JT*XMAYMO(_C[OK_N-/9UM@+96E@0V90VGBA/.M0R\OM+(6P<?4&3_
M`'M$N%.U1?26K=T+A,.*QE@.+MAL>0&XY`/TE1@_VBT>QQ\9F!_6GVKD1/:"
MN)L'JBX]2J!%>]@.M@X-K(CPT1_34R<W4-I<QP\J9=4UL=(!PI,N/(=2VA#N
M[9^([%1O5]O3#:C<=C[G_L^2H)/Q_?EAPQ5S8.0I`SXU$_)Z+/A*ZVUC:7-'
MVI_=\`G'W_;A3SR_$%`6!./.Y/KYOM9]B*47M8&OVREEZG>;=F&@T"^0AD&X
MT#1**2_C;)5SO`)>PUV:MKBV9468-(3H$Z!*8D,/+0[SZ</L^MNZO86FQDL1
MZUL1T)*NCC*L,A6'N"&4$$$$>)V.OWZNQI:VM61TL9'5@`RNIP5."0?8@@D$
M$$'S*T.>W3-.URHYOH.#[?0:EH>G2,;H&VV"+FDG-K/H7X!PB#&\@5W23ND@
M`]R:KTEH.2*`(427)ZTTM3*GV/N;5?2&_2?:UMG7MNJI^5ZE^3FJ9`)RR!"5
MY#DJN2!D^<'&M9VXIVDU]BB^NJRWXTL/#@SX)`P'+@-@\2R@$X'C(DFWCV8&
MXK;,NS83FFB[)J^Q,WDC1LZS=5$@$Y5>S.&`FWRRDSVEW;/J<*%@46D:SQ"R
M'9DJ3.:0PPXGCRVO+KNI??INVWMJHTZ.`=WYD!K"P10*T=B6XL?Z<``Y(\9]
M=[LDTKJM9:[+MNX,51.()"8Y$EV50!R7WR2?`/G&O]X]V\KP^P[M<K^U[%.2
M:<'],HEJR95;JMG9HQCV7L]DHN>"*`"J9&64+W`M:7_QK2RB>29X]%B_QW7D
M_/Y]/7Z#<["K6HUOVN';:*V<F7F*%5W+E@`%"^:SA3@GEB<V_O-71MONV/W.
M476Y5X5N)N+*@0*<EBWAQEO(''/OG7/V&9G4PVYS-RS/9/7NQX)0*=JEBH>A
M`ZC8+3;:%HILS5,_*YSW)[KHP&WE;3>`3U?;%,SD$V#BFHSS"$OL.N^0_&-N
MY]<=?;1LU;-K5JZ%@JN@#.'^1490J$/R(XE,D'P0/4_D.K2EYWJ[M>RBM;&5
MPI9E<E4*<&<,68%,9R&P"/(,H+V)]_BCV4^R^02,8]DO6#V#_P#@?[3>R.8%
M+U"SQ$9@!E])BP4V0'>,QTK0`\"Z@;/<1JNC.NI(#W4?<?0VVN.M_I]7^-(-
MW4WA?J[?6?[CKT6!"_K8^>)2Q$)0JK?=Z-Z#/G&CV7?-^SVM3X=G6WQH7W(6
MX>B+_4&1V^X,1X]1[XR,V^<]_*KF(8G!DY;NVNC<-R[/KA[/:CG=<K1>K8S'
MLE&&75Q=G58KA6[/=K)`IDUJR%AE5''B0\)*8DO,\5(CM.Z%?XW=MV*PNUZ'
MV+G77K=F#6\7*?;Q5E12X**UC(K."`?!(VW[^G6K8-7?:M%2-<Z`%:\H&^[+
M!F(4\V"!B%()'D";*>P/L[EWK?@9GV3O$@T:R\(FA2'IU$%=M14@/T:X5>F5
MPB#%19#+QN.Z0MT1[J(W7)#L?Y=8;>=^#2^5UG4;G:]DO5:X5=QN?ASQ`**S
ML"3Z>%(\^,^I`\SH]AVFKUO7MV5_)M5>'E!R)#LJ@@>_E@?'G'H"?$K>@^YH
MRUWRTY3;<(WK(=5%926VZEY[H`6A2#FNYL$GQ0Y:?G4ZC:'<:S(LX4V5&PB(
M(E/&E!T@M"Z^TEE_CJ=O9Z%Z=9-RC8UK],W"IG0OBNPC(#AT5N)`8JZAE8*V
M#D8FO1W*6WMJVT7U;8J-JHP7-B`@$IQ=EY`E05)!!89&#F0"P?L8H&:@]M)[
MQC.YX28PS(1^_':C<AN<60W9L=FGY-8E6^FS,QTJ]UDI)KAN+]@J+>(1B<-3
MK'>,.)?94O9J_%]G;LUUZZ_7V*]B\TAE+J%M"\N+"RM&'(>58*5.#Y&#/"S\
MBU]9;CNTWT64TBTJP0EJRW'DI1V4X/\`4"01X\>9V7O?E;DX=5P?J3[6V33I
M%3)Z>9R077<HC7JFXZV;(`JGHMQ_F]<$U<&]I\P,036ZTLFJW3EC9B'1D=45
M[X8C\;PINLW=--0.*Q86LX-;@%D7%98_&"O.SC\8Y+ASD3(]Z.8I35VFV2GR
M%`$Y+7G"LV7`',@A4SS)5OM\3K*_8YF]H/4^JX1D6Z>R%CO7K]2/9X!`R\!2
M14).0WDU;:]!)F3FIW[.@P"RPC=.DPG0<MYHLY,6EIEASK,SL7+_`+6VZ:[+
MNQOU]6JO9?7)L9R?E0*Q`%:.64A@0X!7'DD97.`_(]6ZU*=&J_8LLUUO'`*!
M\;%@"2[(`<J1Q/W9\`'#8KZ9^Q0S;=H]'`F(XGHFA8G[7T31;M-NJ1E($&1Z
M:V/K?$BFAEIU.K%Z\5S0D4D=N,6:,=>0E+;(W\M]+S:=E?Q=*-#L;.PV*JNP
MTK$0)ER#R+><K6P86`#XB&`]2_$8FN?R)[MW131ILLT=NMV+84$<0/&&=2"A
M)^0$?HN3F>@.KW\_G-;C&:QDVA;.:G&(@:'3LV<H\4SSLJ/,DK+$26B7.AU4
M2"A)A_%]]XAQ?''6T-MN*7SGGS6GK5[5I2ZZJBL+DL_/'MX`178DY\`+]<D3
MZ#:V+->L/759<Y..*<<^_DEV50/'KGZ33IW]DF7\$9FS"R/>RVHZEK6KX$'P
MT95*D_HX3:<9$D#]VI%JDKO+-"$Q(]?&.DF3J33U?<%_"5V:EI:>][H_%=OG
M:6OUETZ:*[C:6;@:K2`CK]G,GD>)3B'Y?;QS./\`]QZI6L+5>VS;=94*PJ\Q
M96,LK?=Q&!]W+D5X_=G$RKG[#,WC9_)/3LLVN)K,?V`9]6$^L_\`7JG*VB;O
M4FKQK_%J`]4*ZR,TE`Y&92DVKEB_L20#=;XJ6[+;ZA;2?,?C&V=D5K=0=(ZW
M[CY^3?$*>7`L<K\F?D_M\.'/G]H4^LS_`.X=44%S7<-L;'P?#A?D-O'GQ'W<
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M/>-<3\^_8]1W>CI:FK3?SYTV;I;`SXOUDJKQY\_>IY?0>?,^4[3I]W;VMFVG
MAPM33"Y./-.PUCY\>/M(Q]3X\2,;UZ(ZEK69^W06(W3Y%DN_O3D_MSCP$S;[
M-7:[=P^3T+UM&/4>[VFGQ6[70%W29EIL8F>-_(DB^R(LY/'.)4SWVZ[\BT]+
M;T;&Y_%7UUFM:0JLR&Q[SS16^U^`L1L-@-@KX]9Y[W1;6UK;B#A\EF^E]8+$
M!@B4@JQ7[EY<'7(\KD-^DOSTNP03G1W0M!G>I:O6RZ'@U5IW\J9]ARWL);+?
M6@TDV:Z,D$YY4]&K=<`'2[SD)EN8IR6Y+>=<8CJY]'.;WW9/M5U:R[O[NA69
ML"D4JK'`S@`<F('DX\8`!/MT.FT$UGLO.I^VN957)M-K,!DXR2<`$Y'GSD^!
M[U':O3[92_L#8='ALU7M:)?LBPSVABJ=L#C<_P#ZJS_TQ"X;8G7(?\:KB+(F
M^07$L0OGWCL/Z/?=3WOP\W:>\T$ZQ=5B_P`HZJ[7_I\?(^T;E\Y_IX'R?KXQ
M-.WI]Q^P;9'#XCV55_KYX)K"H^WKR'@?3SF9;:?6^Z%=6]O+J>];*5[49AOM
M4]3:>/RTQ?J]42CJ,B3MLRTV9J5:1W!8LW5S5O#/B'&YT*7]WKDF/)8>BHXY
MAH=KKII:.O7M6:>WK/LL;`C,/[OQ!5^TY(8*P;P1Z`@@G&>WUUYW-S8?63:U
MMA:%"%PI_M_+R;R,`@LO'R#ZD$$>:BR;`/=W!I'KML<BFC=WLU$K/MADI?'3
MV]K)7[.\7V[6<YTO"P,;<[^%1&UHSC03,8U?-2R:V)<R/,2['?FJA\[*W=WL
MOQ_L5VM`.=>JQ]>P6BG"/;56]=Q^)#FL6FPNH7(!&"%Y>-75Z_N])]?=91?9
M6M]9K-OW)7;8CU#Y&&'-80*Q."0?!./.>]>O4'V6K.L8!J.M#\U@DJE[)_L(
MVC0XE-M9`R,%"?:-V3.SH;5WB8`3/-NBD3.0ISCS41?/L]>^'T<^VGS[/N^J
MMTMG3TC:5?5TJD+*`2=?PY;#$#.,C!/KCVF77]/V-6YK[6T*PR;.W8X5L@?/
MY4+E03CT.0#B:^Z7Z&>RFA76X/6C%Z3I>F+]RJ5N%?\`;?0O8$\2C#,"J7LQ
M4-3J^8Y7C[T&7_UI:Z?DX9%97!;CQ@DAR)((=FRI,SX>=/4_(^JU:$%-]E6I
M^P:IM9*0,W-0U;666Y'-6L/R9R6&0O$!9H;70]ELVM\U*6[/[Q;1>UI\5+<M
MBHE>#P94`3&`IP3R),VNO/J!LA_TI]U\(',57M_WC??8C1:"V\?6T%=K>F;<
M[?*PHV3X-6H9/77E\[)9XT]QE[_C^2N?[O.-K]YH5]_U_8MS_;:VM0C_`&^>
M5=7!L#/D<O0Y&1.I?T^Y9TF[H+P_<7[%SIY\8>WFN3CP<>OT,EV8T3V>]7M6
MV^HT[&:[N.%[Q[#V3>*]?Q^J@J#;LM=V"8&FZI6;_5+*(4NR0:Y9&R!,).#2
MI<B7`DMP'HT9<9+[OAN;/4]OIZ]]][:_8ZVJM)0UEUL^($5LC*?M++Q5PP`#
M`L"0<#WU=?LNKVKZ::5OT;]AK0P<*R?)@NK*1YPV2I4G((!`QF:I^I?Z])^&
M&<=R?3/4H'HHS#KXV9J?M(S[27EZJRQ=',D;)DF@*]>#A67P1JHI;`QB:+8A
M="1R33TR).^S]N/SL]U^3+V%=^[J;K5/L5X;7_;IR!<!;$^8#S6?N(8GF5PK
M+G)G*ZG\>.@].ILZBVK0X*W_`#-QPA)K;X23AQA<@#B#DAL>)L1[R%-1!>WW
MZZ#F052O7ZVAC/M3/E4.P6)NHJM]9_Z8@PS8FO6B3`)#PEK9[,9EPG)C:(4C
ML949]Z.A_LAKE_CR:EG2=I7NNU=++KCF%Y<6^4D%E!!*^,''D9R`2,'H=XVP
MG<=<^JBV7`WGB3QY#XP"`V#@X.1GP2,$@',J?_XG^UK^HO\`O:FD9W$]AD^S
MD?6H7K-+T7KH)S#H_K`YZL2*',UB)7W`L?9Y@N0[:6IS<1X$U,XV(4^J/U9#
MF[_O73#3'X[\EIZS]I\9O">?E_<?N.8K)S\0/]O&0Y'WXS]LU/\`:.U.Y_OO
M"L;_`.Z^04\O'Q?!\'#GC'R?Z\XXY^ST^Z9JR^K7L[N^H&O9#0*92<NLQO9/
MU]0*WD35\CVLA5L)]1?8L[MUTL]RN(@4W7BNBVXA>RO80H=R1#B0H,1KLUQ^
M0_UGSI[CJ.NTUZK6LLNI6C=+6<.(:[9H%2*JD\@BA%RS8))8\<`9SNZKL]_;
M/97HE5K7:@%?+EQJU[C:S,P&"[%VPH\``#.2<<5/]6/:/U^O=(]A<\IM%U&V
M5O1??^M7G'Y%]9JDVT8=[8>UR_82A6JAW8J'>KXS1:A(KHOL\433'A38D^4Q
M^:T]%84[;^YZCL]:SK-FRRFEZM-DMX<@MNOK_"ZN@/(HW)L,N2"`>)!.)K]3
MV?7WIV-"5VW+9MAJ^7'E7??\R,K$8#K@9!\$$C((&:[]OLVN^^>RGI+79P0)
MF5L]FA1_,?<G%'+="NYA/K%A-Y`>R8J7*,UA#`E^-_:*_P`J$J0I/8OX^G2(
MK:G%=XYW9Z3;HZWJM^U6:ZC486:UO$H/GN1J#@-YSQ;Y`/7-`8_2>';ZMG8=
MEIUV#XKME2E]8(<FFIUN&2,`#P4)P?\`K<??(]0?;_%ROL!ZX:AF58EQAM[G
M"!]HRXQ,>7%B@]>SHZ*T/)3<J6TT^]$B"M&JPQY]Q"%+XPA?TYWZ_3OR/1[Z
M=9VM.W<"=8,5L`]ZG!2P8]R49@/UGTW<:3]AUMNK40-@@,A/M8A#UG^3JI/Z
M3S+T']?7L=<<<]?8\(E0`^RZ43VBG>_,J$:FL"96->Z=Z#ZO[."\\*I%_E64
MK2#E5'@:NW(;B-K%?-7R9^GQ5];J_DW5T;VR6%C:-0J;3!`)%NJAKH+C/VAP
MS/9C/W?6?-;7X]V%NIKBMD&W8UJ[1SC-6RXLN"^N2I4*@_Y?>7)N_J%L]E">
M^+]!"4^?-US6O3/5L7K,BS)KT:P0_6%C!31RI%I_\1*ATV2>(91+&CWEMR([
M?WV7G/@W\N)T>N[S0ILZT;+6!:*-JNUN/+!V/F`8#.6P+`S>A\$#S-O>Z?=M
M3?-"H3==K65C.,BCXB5/C[<FL@>H\@S83$\IU1C9_:7:KW5!E(1[!YYZ[Q`=
M3Y9Q]E,UP_0J/=PUL!'B(=C^)=2,*6%A#,F*\^Q)3U:T?3G/]W+W]W3.AIZ&
MNYL_;6W$MQ*A@[H5(!\^0IR"`1.CI:FT-[;W;T"#8KI`7D"045@P)'CP2,$9
M!G4SSU\T2L_K6J_JT3:!<U83Z7Q<,ELQBJGJWR^LXS_1EMM&^PVUN!OY[_')
M7X_.]9_W_;__``?,MKL]6[\K?N$Y?LVWS</'W</EY^F?7'MGU]Y-?K]FK\:3
MJFX_NQI"KU\<_CX^OTS[X])J=<OU^;'8.^IM?#%*<(S^PX3@?KY^PFOOE)RG
M+E0O6YT-HU%CTCD*$RR=EGK7'/4LNN5UC[]3M+ZN?YC-HYV:/R;2J_>VNKML
MKLW7:;8'V/>"CEL^F%X6KCTLK'UG*M_'MJT:M895H;7JJVE]>:TE74#T]3SK
M8^Z/C'TZNS>G?L<0L>V'1%;8T?+M(]](6]7S"JQM)3'S>ZX<SZ>9KC(BME;Q
M`0+:'.57:Z@V=E5V9,CC3X\:VW(D\XOD=>6CWG5+3KUNYJW*NM-*7-4+13;^
MZLM+!#G/*IN`<`LC,<#WF.WT_9&V^Q%%FK;O_*]0L-9MJ_;)6`6&,<;5Y%"0
M&`\GVG2]>O1+9\\M=)L+V:9/DE6&?L>,>U;6;46[3[$.I6/E_0XMZ^Q!*"DX
M)!6=OC>BS$+)H;0W$<Z\^_'=4REOB\NS_(M#9ILJ%MU]QZH:_P`CH%+VC<%Q
M.`3A.`^WW\`$9F'7]#NZ]U=AKJJJ'9&_@K$A:SJFD#)`R_/^KV]2#B6)N'J%
MO9_3?9K8*"/I1DL4]@_1/V"Q^JF[4\#9OR/5N"$Y?*,?,H"DTT:?98\29%$S
MELS8Z)2V77TI9^Y]-7K^[ZVK4U-'9-BH-7;IM8+GA^X)X.!D<PIP6&0<9`\X
MFSO=/OV;>SN4!"QV-6VM2V.7P8YJ3@\2?(4^1G&?&9!M']:?<+V*LOLYHERS
M;/<LYK5#]%Z9F-"<TV-:K"%A^N'M-<=?T-_0#P8'RNMEBH.RJD#VQKDV-Q*6
MF%/?>ZZI&SJ=MT?5U:>K1;;=\%FV]C_'Q!-^NM2<`3RP"N&Y`'U.,8GAM=9W
M'8V[6Q;775\J:JHO/D0*;VL?D0,9(8D8)'H/7,M.'Z@[(Q=:V=6S5OP!?[5;
MI[?2NI/N=>YC9W`+]G,!YMK^.YQ=I[9;%&XL?]>)3'ZMS[W?C\>Z3=WHG7>O
M+\FZ9-8?;_\`=%R.??\`IXJ?N^OC$VEZ?=%ZV'AQ';-L>O\`]LU.@]OZN3#Q
M]/>:]`_UWS*MING4;0?4<#[&Y=I?LG>M?":ZKVGOM$"A*3KFH3-4-@]/PZ26
M6++6?,K"<FMP/X>#,@V")&AKDJA2E2%\ZEGY.MVI3L:VZVKN5:B5FO\`;HY+
MU5BL&NW&0MB@9Y$%"6QR&)H5_CIIV;:;]1=G6MV7L%GSL@"V.7(>O."4)..(
M(8!<\3DST@]X\JT'8/7DG6\K$"['?J[IN`ZQ7JN9/-5:#;',3WG-]=(53^R2
M(1"*"G6012I$.)*?97':EO-=>^+7S4GY7\>W-;1[,6[C%=9Z;JV8#D5^6EZP
MW'(R%+@D`YP#CS/H^\U-C=Z\U:H#7K;58`3Q#?':EA7.#@D*0#Z9QGQ-9Z[6
M_=/";_[!WC*O7:BZ2,]M#U1VYFNVC;@M,*8'MR<AH&36^HZ.38KYV+>LRZSG
M`LC&)UOLHDTZN;%Y!<;_`!I"NM;;T/8ZVMK[FU94^DK5<EJ+"ZKY7L5D&04L
M^]E*OA?Z3R!R)S:JNYT=C8OU==+%VV6W#6!359\:5LKG!YI]BD%//]0QZ&6!
M%]/+;1_U>6CTEK%@%6K19'J5I..0[-,0L'73>E7F@V4=,*I96B6X%K$JYV%U
M;#2N/+BP>I0KY]1WO=8]Y3L?EZ?D%RLFJ-VNTJ/+"M'4@>V6XKY/C)GL.FMH
M_%GZ.I@^S^S>OEZ`NR,"??"EC_(37VZ^LOMC[?#<4R+V*H5!Q&CX=0-7@6_2
M*5HD?0)&LZ5H/K1HWK()(9C5F@0,A4:&-%:N7/RTGEL3^26(0]MEYK[\SSIZ
M_;]-T;[&[U=EFQL;%E95'3A\=:7IL$6-DAG)K5!PR,%FR#A9H7]7VO<)1J=B
ME=%-%=@9U?G\CO2]`*+@%5`L9SR\Y`7!\F<_I9Z=F<RNF-JUOTWK=8O6%U6=
M`C^Q8OVMONHU`E<F*@[GTBT95E-P(3C-=8O]<+$/R&2<8>Z%C2EQ&W)G/^56
M/?=Y7MZ]_P"RWG?6V'!^`ZZ5L%Y<^-EB@!N#!<%2W(@$A?29=-T[:UU)V]-5
MV*%_ZPO9U+<2A9*V)*\@3D$#B#@9FQ>RYQO^=>V$'VQPO/Z]N`FW8,']?M7R
M:?>!N;W(:S2+]:M"SK0<^LEA@2ZH6:9EW\X/."9\@:MQIV%)C/K7'=CN\O1V
MNMVNE/2]C:VNZ;)NKL"%U/-%1T=5(8?T(R,`WGD"/((Z.YK;^OVP[;1K6]7U
MQ4]98(PXNSHZL1@_UL&4D?Z2#X(GGU[6>E7M/[-.^U']W]>*3I=G]@\HA"?7
MVS:/[*%NYOZ=\)X@*JUCSUS+Q(Q(TU;A&K,%3<:R!H,E)UTG&1-D0X\)*//I
MNG[_`*?J?V?[?:LJIUKB;E2@<]G%I97^0G(4U\4*,1P"GB&+3@=ITO:=F-K]
MQKI;9L5@5%[CQU\U!63@!@L'Y,'4$,6&2`)O]GGK9IM;:]Z>$V:^E?L&`SP?
MGGV3'7U.2:UZDY_C9-)]7(+?!B$76N2DMJ3][BXGQ>^G/E\.?-;7:ZEIZ[@6
M_P#;,Y?Q_P`VR]HX^?/V,/IY\3N:_6;58W^?'.PJ!//_`"ZZ5G/CQ]P/\O,U
M^PW!_;7TL-)L5`R"H^PP/6O7SU:JVF5(=JP7.K9F6X>O6,A\=)R@Y:VANUVY
MY9<*\$']2XA^*3&SX3[B8DIN9]&.GV/8]+WR?%LWOJV4;.PU;&LNME5UIM&0
MIY)8K$^Q5@0,@KYT>OZ_M>E?Y**DV$NUZ%=0X0I936*S@L,,C`#Z$$'P<^*J
M@?KW+!M0U^N:3Z@@?8S-]P]A;=LT;1.>UEXH0:IUC9;@U?+S2M1QM9%H)8R.
M<6<J32-?#09L6QCD0TRT0I/WW%;C?DR6:E%NKO-J[6OJK5P_;HY9JEX(]=N,
MJ'4+R#$%&Y<>0P)JK^/,FS=7LZB[.O?L-9S^=D"K:W)E>O.&*,6P5!#C&>)R
M98YO]?\`J]XL,\599=?#TNU^R?[#KG8C`LU^::%9I[6X;<\OI)48.='M,R['
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MJ$6V:[=A.M-6QS5IX?UWUK&@]@R"MQ:I`(5ZJRBMT20E1#JX9-E,IJ.VAY,=
MZ0YSWW/QW4U^RLT[[[;]ZDK6AKX_&#=7:5M;D06PN`4RO@DXR`-Y=3N]F[KT
MVJ:DIT[`SL+,\R*GK!1>.0OW$D,0WD>N#GU$S4OH)RH0B6HTP)0+FZ1L;$ZK
MUZWJO0J(,A6,M!K,]FRJ`UGLJ0>K$>'/D,?AH_!D25QOF]]G[SGR.VFM7>4T
M[&MHPN&9>!)*@L..6]&R`<^0,^,X'TVL^Q92&VD6N_)RH;D``2%/+"YRN"?'
M@G'G&9J/ZM^OVSXWZ'Q\"<L(&D;?#K.[0*Y;!;W;*!J=KOEZTBR42R<ZY#C=
M*-!/[-`EOL]9^G5MK:^BOI]>]KN.ST-_\C/9!6LZ\O264_:65$K5U]?&>)`.
M?UG(ZKK]W2Z`=>65-X+:`P^X*SL[(WZXY`D?RGFUFOZ^M[[<,0MTOUVI.6VK
M/\3]BL[VW5+9[('MOU/=],U3#GZ0+NC5C*CYDQ5((75+TR0HD]%)\5/;^(^(
MS%4A[ZK:_)NM^#8H&U9=39L4/56M`JKIKKNYE>((^\+@#B"OVG[F+>/G=?H.
MP^:BTZZ565TVK:[7&Q[7>HH&R0?MY>?)!^[^D`>=]Z9ZO:J#<_5>J>U7.)]1
M<U,U;8OLFEN?9+3O5SF21^5;GX"/YZ-_<.?'JU?C?2+_`,OT_P#P//G+^WT[
M!W''G_[VT-5X]AL?)]WGQ]O\?/B=RGJ]NL]5RXXTZBMGGW-'Q_;X\_=_#QYE
MW^JF.77()_M)(N2!*&];]L]-V.G]%$%$%+I5KKE"%B%E.*C1OP"W95=D\=C\
M^YQM/$=^??E].<_N=_7WETQ1RS1I5U-D8^]6<G'U'W#S-[J=*_3;:-V,7;;V
M+@Y^UE0#/T/@^)Y1TCT%]EI&@>N]BT?'*6>V''O;@+L>S^XUQW\Y>;)LM&@'
MKNMMG)J'-'2'\[A]#GQWS`2$"1H>)`5`@(E_-,M'V6Q^2=2-;:JU;[%T;](U
M5:RTA%J<JG_4<'[SD-]XY,Q;DW'^D_+T]#V9OUK-FI&W*=L66;#6EC8@9OZ$
MQ]@P1]OVA0O$9SD>D'O9EI;7:A5:P.]4XOL>]%E'3(&RC]P'8'?L3O,>#&B5
M:Y430>146VKS97)DE$@H"EI(1&F>(_$FMO*:Y\K^.[B:5[W-N'5!`!4U&Y+4
MSEE=,\6'@85Q@Y_J4C,^C[O6?:J2I-4;'J0PL%35MXXLK?U#/G)4Y&/1LS3F
M'Z->V4T<3DZ3:Z9HFBFVOU"RKA?^GGX7;I:_3;87KW[$V9Z,X#BN1W"$%Y3X
MKJFFE%)"N_-N+U7>)[K?D/2JX&HEE6JO^Y!4QGBNU5PH7U/H?#?\H]S.&.B[
M=E)V62S9;_;^3YQR;6LYW-Z>X\K_`,Q^DM[W1]2+_LM^VZ_C;A0,]KT[UAP8
M+2;G>B2VP`C9O7OVG)>R5:1>X*&FW(F<SR`L3&(S&GE/\C/R.-M*6A/%:70]
MWK:&MKZS);;:-RXNJ#R:KM<4-P/NX!8J",9`R<3=[KJ-C=V+]A7KKK.K4%9C
MX%E5YN7D/^0D*"?7!/B:B;'_`/)'W%]F;OEQ2F8U2+2G]6'O/FXJCTK8^ZYT
M#=/8$EBM5I=CTC0(%*JXFI5R^E*R^Q7H/X;Q!^($)SGDIXA,=KMZ'^U=%U5>
MXME]E/\`O&I87:KX\K2+6940NQ9D#`N<@`NBCZGD[O\`N/<=F^JR4I;_`+5L
MH%6SGAK36JEV"J%#$808)PCL?H)C;_0&Y@==VH\=]6`GM92/8>+F=@>7!]JK
MWA<F@6H'B>>XK?Z-?:O'*1*O<,Z,1L]8)P2@^)-*?2=*A283C+49?=>G\DHM
MTM>JO<;3V-8V+YUTNYJ;7M1T;')7',J5)"^`P8$F>]O075[=UKZJ[56QP;_K
MM5P85)6RL,\60\`00"?)4@@";4?L[K$BK?KV.TO+8M;K,VNWOTVJ^;#R[<N1
M4`4X1[5X$)I0\HVSQP@[6A\J/%9?XWQ4CL5*OAQ2_ISO(_$;A=^3K?N%W5J]
MIK",<B#KW%R/;D?)'MG])TORBHU?CS4:H52MFLJ`_P!((OJ"@^_$>`??$IO?
M,&][/:DS<M.AU6J^JUXSGUFT_%,4'#-I58[5<[GLN@8]9M0.)TBF5>.K,*O)
MHN.)K]>*-1W3L::==)NQ(:X+#3N[UO9?CO3UIIL[[FO;MUVVDU<55:DM6L<&
M;^XW.WFZYX$($!;D2-3?T.][2QMM535OKUGKK`LY,S6/6SGFH^Q>-?!#CD"Q
M8@8`FNY;]<.QVI_V(.9UZV9GZUA-6],EX("HQ+:YNEWD]I+&S5J\R+/IES5$
M-P'AY"OPG68CK<XG+ZIA;DM?')266.I7^4Z-(U:]K:MVK*=_YBXJ%:"OXF0+
M6N0<ACD^%'G"^F3S[?QS=N.R^MK5:U=NF:@IL+L7^16+.V"/(&!Y8^,GUP-J
M?:GTXMYOVS,>R0/"FO9>HZ-BM`R^S48;[$W'UYO5`MN5V;0C5<M04B*/@*E<
MJ=;!&COQ"<6:\@B+DC6'X?'T29+2>/T_>TU]*O56;'[2^K8>Q7-"W(ZV*@92
M""RLI0%2!Q8,0V,`SJ]ITUMG;-V24?N:;*40J+6J961G(8$$*RL'P0?*E01G
M)$O?UF]6B&([E(N%>SNI91D;GIKZ]XY7LYK=MG6S^DWFEZC[!:'>:U')D!T*
M6<!CE:M%Y'+._!P@\IY766OCSG>;VW;KO]<*+;7NW?W]UI=E"\T:NE$;`)`)
M^,Y7_2,>3-[K>K?3[`["5I5J'3JK"*W+BZV7.XS@9`^08;W\^!-=<]]6/9/$
M1/Z\;$*H-8T>P>N1'V9J>JU(7H8VNNPJW["&G9HN[5TV?&-##[=40,C*GC^]
MCRG6Y2NQ_NK:^VOJ;/<=5V#]G4]CU5;0H:MBA;+4C!1@#D<LG!\CQYQF<[6Z
MKLM).NL5%LLUC>KJ'`\6G(8$C!Q@9'@^?&<2_P#WUQ+7=@(8#+J50E[/CM*M
MERG[CZY#]=FXK)U=HQ5>#L[+R[.Q('#K*$SNR)=ERZV2FQ1Y/\IN0O[SD%J.
M[S?QSL-+1796YQ1O6(HJO-8M^/#9<!?)4NN`'4$K@CP&)'0[W2V]Q]<U+\VD
MC-\M(?X^>5PAY>`0AR2A(#9SYP`=7_57T0VW(]%PVT&J/E.>52A>W/N/MDVC
MT"Y$;`(IV<[OBR:=G=?`S"5>#RSID49=_&*+4S%;4XV[):3QIQ#2>QW'Y'U^
M[J[--=EUMUNEJU!W0*6>FWF[,`QP"/*^3[`^1F<KJ^BWM39HM=*JZJ]O8L*J
MQ(5+:N**,@9(/@^GU]\2=W_U+]A1.R7_`-D,Z!TFV6ZH>]X3V<S3/3-O6`8T
MS,"WHW3?4O1ZK+L#@>9"I-Z;>44(!'9+;\);PYAN0ZPS,<=8UM;NNL?1JZK9
M:Q*7ZXZ]CA<_'8-MME&QD%T_I5P,'[B0"5`/O?U'8+O6=EKA&M3?%Z*6QS0Z
MJZ[J3C[6_J*YR/`R0#XO3U3SCV+9]C_;/V&WFCTW-!>YUSUR`YI0J[=6+U8J
MP%R,9J<$U$OYN`(%A)%DG%+BF:GH]<N$U'E(C(?>5&6\[SNYVNK/5:76==99
M:^N]YL=DX*QL-9'`$D\0%QYP21G`S@;_`%6MV([+;['?1*TO6D(H;D0*Q8#R
M(`&26SXR,'&3C)]`?/FI]!'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1,6%
M.!;(*A':Z7%GPA-GD@<8"D(A440C]4I''X1""Z_$EL]6CO/DVM2?KSO/KYG9
M794YKM4K8/4$$$?Q!\B8HZ6H+*R&0^A!R#_`B93S"92%7#2<ZSQRNLW^_4JC
M.V\Y&K-3:N%J!5ERT629WG(=?KJ#4^$HV<E=5SC<2-QU]?U_VH[Y[T:NULAC
MK5V6!%Y-Q4MQ4>[8!P/U/B>-NQKT<1>Z(6.%Y,!D_09/D_H)-?/">T>(CQ$Q
M9HX$K8R2:L1@6`#0OL_F%C1"(*&1/R9#42/^3/G/,16/ORGT-(^2^?)Q:4\^
MO>\YYG779:XKJ4M8?0`$D^_H/TF#V)4I>Q@J#W)P/\S,IYA,X\1'B)%%LT<]
M:67'&JH:NU`0IQAQ:!!&TTENVPELJ6RI7'BU;19QT-2.]3]GDUAKO/\`>E/?
MI[9V*Z<#FNO;_$*_$_Y-Q)_7!,\<466Y/!KZ_P"!9>0_S7D!^F1)7YXSVCQ$
MA-NTO.<_E5F#?;_2:1-NIIFN4V';K4"K4JVV&0MIN.!K,<S/A/'C3[DAM*(L
M7CKZNK3SB>][SS8HU-K9#MK566+6O)BJEN*_5L`X'ZGQ/&W9U]<J+[$0N<+R
M8#D?3`R1D^1X'UG1<JN356]/Z.]7,\KFF7]H51)%[<$5L1>;JS`9E$0E->LZ
MH\<_8VX<>`\_%'J?>XVAA:T-\XCO>9"[=NU_VH:UM2O+\,L47/@MQ]%]<$X'
MKZ^9B:]6J[YRM:[#X7E@!F^BY]3X'I^GZ2Q/-6;$>(CQ$>(CQ$>(CQ$QD<T'
MEE"0.*6&230:..EEP\>?%>*"HIC\S^)DDA[;JI<&.4_CI'XRW4)2_P#8<^'5
M?!7TS-=BH+&4BMB0#CP<8S@^AQD9^F1,0Z%R@(+@#(SY&<XR/;.#CZX,R?F$
MRCQ$B%ZT&@Y?7)5PTN\5#.ZE!>B1YMIO5E"U*N0Y$^0B)!8E&S\T>,CO393J
M6FDK=XIQQ7$IYWO><\]]?6V=NT4:E;VWGT5%+,<>N``3XGC?L4:M9NV72NH>
MK,0H'\R0)+&W&WFT.M+0ZTZA+C;C:DK;<;6GBD+0M/>I6A:>\[SO._3O//`@
M@X/K/8'/D>D^_$3JRYL(>S^3/EQ8,?KT:-Q^7(:C,]D39+4.&Q]UY:$?>ERW
MT--)^OR<<6E*>=5WG/*JLQPH)/Z?IY/^0\R,RJ,L0!^OZ^!.L+-AC:9RPI<8
M70,)S@A)8N?%()'F1;W8Y,1.5$==Y$)CI'/@_'<^+K*_]JT\[_CS)Z[*\?(I
M7(!&01D'T(SZ@^Q]#(KH^>!!P2#@YP1Z@_J/<3)^83*/$1XB/$1XB8N&<"D2
M!@2/+BYQ6O/0XQ\9#(1)1`'((0F2<!@Q"8=7)&O3ALAN0REY*%.L.)<3SJ5<
M[W-J[%5792$;."0<'!P<'WP?!Q[^)BKHS%%(+KZ@'R,C(R/;(\^?:93S"91X
MB/$3JL3H4I^;&C3(LB2.>;C$([$AEY^!(=C,S&F)K3:U.17G8DEMU*5\2I3;
MB5<Y\5<[VE6`!((!]/U]O'\Y`RDD`@D>OZ>_F=6&<"D")</`,"YQ>ON0FCPN
M&0B22(1TE$3/'-EX++RY(UR?!6EYCCR4==:[Q:?JGOU\R:NQ55V4A&S@D'!P
M<'!]\'P<>\Q%B,Q16!=<9&?(SY&1[9'D9F4\PF<>(G55-A(F,CERXJ2$B,_,
M8@JD-)F/Q(KD=F5*9B]7Q]R-&>EM(<6E/4H4ZCG>\ZKGUO%N/+!X@XS[9/I_
MX&3DO+CD<L9Q[SM>26/$1XB/$3$'Z^!M80K6K2$$66N'8$D4<KY\;#,!#(N:
MTIB8-*BB+,F`1@2V%]0ZR\VMMQ'>\5SO.^9UVV4V"VEF2U3D$$@@CT((\@CZ
MB865I:AKM4-6PP01D$?0@^")#<TQK(<8&3PN/97G&4ARLWA$H*S:D5FCCB1!
M+?V4SI\*LC!D:9+0S_L2XXE2THY\>=^G^//?;WM[?<6;UUMS@8!=V<@?0%B<
M3RUM/4TU*:E5=2$Y(10H)_4*!+)\U9L3#G:\`M`Y0>S`P]B$+EC""Q9T9"+C
MESPA.&;#3502#,B,J6(,CX\N*YU/SCRF&W4=2M"5<SKMLI?Y*697P1D$@X((
M(R/8@D'Z@D>DPLKKM7A:H9,@X(!&0<@X/T(!'T(S,QYA,X\1'B(\1'B(\1.H
M]/@QI,*'(F1(\LBMYH?%>D,M29[D9A<J0W"8<6EV4MB,VIQ?$<5U+:>J[].<
M[WS(*Q!8`E1ZGZ?QD+*"`2,GT_6=OS&6/$1XB/$1XB/$1XB/$1XB/$1XB/$1
MXB/$1XB/$3S@"^TFKG/=NY>NY^UXEC`2LV,:QGV6Z51-!<USV4S7^@5^RV#5
ML;TY=\J^;$(XJTE)PMT*.$6$@+0$D/$OQ^2&?M_4V=1I5]!7V=2;%]CH>=E;
MI\=%G-E%=M?!G&5`;DS(&Y@+G!GSM?9[=G<V:%C4TUHX"(ZMSN3@K%ZWY!#A
MBR\0K$<26QF:->ANV^S>)>GOH!9;"'Q5[UZTC0Z'Z[-48>.N'_<(87I=UL=+
MH6K*O_;+_2ICL^VJ@R9M:376^Q!,Q7Q*.26.H<^A_(^OZGL.][.JIKQV=53W
M\R5^(FM5=Z^''F,+D"SGY8?T`&<'H=[LM'INOLL6D]?;8E/$!OD`=BJORSQ\
MM@E.'A3_`%9$S&??M\EWJ[9O:1]Q]<"^::G[(#L-%>NH!B^R_:2KT>S:-)R>
MI[*>M"#,FE3)W\]V*=,UAL`P@569+BN%WI<5:'<-G\(&OKVTLFT-NG5-IO;@
M-=G5/D:I5QSQC*+9S/*P#[`#D>FO^7F^^NT/KG7MV16*1R^=49^"VDYX^N'9
M.(XH?ZR1YWK]G(4.=[F_K>;FQ(LQMJ^^RTEI$N.S(0U(C^N-J=8D-I>0OB'V
M7$\4A?/HI/>?7G?/G>I9EZ'M2I(_MT?_`-=9W.T`;NNM!&1\EW_]%IJB1]X/
M>'F:3?8`'G_K7/S]?N-:/3^JY;/>T,;=K2])]GS_`*K4;6B&EM'R%?JL*#>>
M#YI2O_UT@])$1YCK)!B0]'BL]E?Q[\?_`'8ZRRW;&S^Q79:P<"B_V%V'K"8!
M8\.05^:X8J"I`)/+/>=U^V/8*FM^W_>-KJAY\F/S-0CE\D*.?'*\#]N2&!(`
ML0Y[F^R>(WJX4/;Q&)7`?DVK^H"=0TS.PMUHX:+@_M\9T/+A]BC4^RW.\30E
MIRG9*I"63D.E9X^;5Y2Y'&HLEM:4:M?0]5V&NFSU[;"-=3L_'6Y5R;M8)85Y
M*J`K94QXCB"+!C)!GO9W79:.P]&ZM+K3;K\W0,H^+8+H&XEF(:NQ1R/(@H2<
M`B;FX#N-BVR_^SC+0@)$RO'=CYB.?'XO"/\`.W&STFI@I6R%"2GWUC?XFN:*
M<D5R(F.VA?)8.;UU2ODCB.%V77U=?K:A+,=R^CY77QA5=C\0'OED`<Y]G7$[
M/7[UF]L;0`4:E-WQ(?.695'R$^V%<E!CW5LSR`]O=Y]H_9#T*V?=AH+$8GK#
M:->&42L9XX.NO-N1FE']J:]E[6Q%;Z[87:.\7*':NZ9[545YI+(-Y"/Y=4U'
M6U_;])UO4=5^2:_7,VP>W2@NSY7XOD?7-GQ!.//`#<?DY^7']'$YGR';[_9=
MGT%V^%I'5M=Q"X;Y."7A!86Y<<EEY<./A#_46&#M#[*_L(.85N"JX"V'UFOP
M$-LF)YE:\!K]*U0[M@,1JMPHU%+$[%KE>MY',Z'=J],N/2\8&9`QT31;"6>R
MFWY#3J>1U7XS7V/7_+91MU6-1;8MS/6*B:U=P%K918Z,%XEU<X8YQ@$3J]E^
M06:&[\:6ZUE8NK0U!7-@#LBDFP,45EY<@K*,@8SDRR+3[NZ&"]1?=KV%C5"F
MOVCUCV'V*SFH`WE'/X&PBL<O2JJ"GV3K9!)%)`K"3]V9^*ZRWQW_`.S2E/\`
MCS5I_']6SN^OZPO9\.W10['QE3:G(A?&,`^F<_K/>WO-FOI][L0B?+JW7(H\
MX(K;B"?.<D>N,?I(+I_MI[A&@OO!K/KH#]>FLN]+"VATJ%3M8#Z&2O.[W;(<
MS$Z#I3T6WU>W`0.5@(<\W_#!^.B;`\0F0'GI"H;#S74>^ITO25OU^EV;;)W-
M]4?E64"4K984KRK*QL)`Y-ADX@@`,0<^=_;=K8N[M:(H&GI.RX=69[#6@>P@
MAU"`9XJ"&Y$9)4&4ME-]]K[[[*>W.D8$W@E5G'_6+T9UFT$=9`WJU"3=K-9#
MHQP=G%=#U*VU$E7!/T^XJ6?ES2;D-J0PAD=*7]U:.AN:W3:W5:6IV7[EU7;V
MZU%;(I"BU`78LK!CZ80!<X.67QG0T[^TO[+;VM#X%=M;6L;FK$$FMB$7BRD#
MURQ)QXPIR<2>L^SWL)J'LYZA[6*NM$H_KCJ7Z[[W[/V;)2E?OQXP.K[1CU=.
M71J7/%WT+5SFC!/[9(BUPPH2AB"/<FM.Q)"Y25H\;NHZS3ZG>Z]Z[+.UI[1-
M=;`4`+8V`N`4+!#Q!=>62W$AAB>E7:;^UV>GNHZ)UUO7/>U9#$@9H+9PP!<<
MB$;C@`D$',BGKU^V"Q:U<O727+N/K);:[[2RC,,9BN5IT$AM7KDDIFUKT_-B
M>I6R<6FU/0(*H=70$MG88BN-A#A./R([/CH<<7[=G^&U:5&T`FVENF`3;9P%
M5^'6MQ6H`9#]W.O+/S13R"G`F&A^56[5VOEM9TV21\2<C93E&=#8V>+#P$LP
MJ<688+"=>XZK[`>RGZZ,A]C?8:N8U6$Z_M'ZU=)R^B9V)LDPQ0Q%I]K_`%^(
MD5VJX6@Z3CFBM@3+8E1VQT`;P5&=5#==GK1V4O*C2ZWJORF_J^L:]_@U]Y+'
M<J`Y76N`XJH&`N""6+<C]P"^DPV-O?[+\;I['?6E1==INBH&RH;8J/EF)SGP
M0`!Q]"6]9MQ^R65>H:/1Q[,@]>.7]?OIF$.K1;;*FPZO#GDLAW@;(/6!T8VX
M4>$UH;+?(O1HOVY,U,7\9MQI3W'4<7\4&NQ[`;;,NM_MMA;B`6(%E)PN?&6(
M"@GP,Y(.,3K?DIO'[$ZH5MC]^G'EGCDUVC)QYP!DD#R<8!&<SH,>U^P4,;[=
MT+>-"]7J!?\`UO[C!H)O)T/<J?A1JG;?&E.`5V?/BFCE;9"N0DK6C`UL9#M#
MO#,E0_K#K"Y#C+=/3:.PVEL]=5MV:VU\H-(*M<&JQGBX0*5(96Y&O[1RR#@$
MT=KMT#;U]Y]:N_6^(BTAEK*V^F4+E@P*L,!_N/'&,D36"%^SG8)=$U7@PACU
MH3E&^Y)0;E[1A\2WV+CU#Q;5,OL-Z[K]VP638G]2C(JMLKJ*U+=9L7\$CI>(
M7?G1H3,QIKKM^):*[%/,7I\VM8ZZYMI^5[:[%3XDNX_&>2M\@^SG]K(%+%2>
M6OY+N-3:$^%_BOK5KQ7;\:UNC-\C59Y_:R\#]W'[E8L`#/5JKZ,><];O^UI5
MURO5#3.;6"\0KUE$6=&R:ZM0AA,R!,5>*Y;KG-2!)CV(_5\09F_)75];?ZGJ
M?I\;;JU_[K^S%=U-9M5"EF/D7)`(;[5&0<_Z1^HGU5>Q9_MQVB]5KBMF#(#P
M;`)!`Y,<$8_U'^,T+R7W']JV@'I)L_L$"P(;D'N@&B\=IF<#;\C0,2,&O7:Y
M^Q-5)$+F<M)8!I8HB!SPA")Q(X0*Z,E2XWV)$]MEUQ[Z/=Z+IS;V&AUK;)WM
M!OZG*<+0+UH8!0H*$%P5)9@P!R%)`'!U>Y[05Z6[OK0-/=']*!N59-+7*2Q8
MAP0A#`*I4D8+`9/7"^YOMF-Q/%/=G0JAAD3U?V>S8W(FY*!A7=.Y9;COL5;Z
MQ3LGT,CI4JUSJ/>[4*<OP0A90$:M"FH\1V4U#GONQ$JEVSH>F?L-C\?UGV#V
M]"6XL)3X;+:%9K$"<0Z*>#+6YL8DX+*`?$3NNU70H[O82D=9<U>:QR^5*[F5
M4<OR*LPYJ74(OC(#$CSMS[3;QHN=6;`,5Q(-32.T^RE[LE9JYK2.&G\]S^HY
M[22^@Z+?[*(KDL8>M;PL.+8@#0T6<-5/)DV/N3(T=MYSG%Z?K=7:IV=_?9QH
M:E:LP3'-V=PB(I8$+DDEF(;"J<*20)UNTW]C6MU]+35#N;-C*I?/!%12[N0,
M%L``!01DL/(`,\X?;SV5]T`N5^S>&3+7D%"W+$)GJWHC&M4"O:2)`:=A6ZZZ
MJCA)M9KR-*<LF87<1>:.4%6&)(,G84T/WBHSC:IOTB?5='U/0V;FIV(2^WK]
M@;"?&[(6KNIJYD,WQ\;$*.K(0J$-Z@\?N^<[GL^X35VM`M57O4?`_P`B!P'J
MMLX@J.?)&#*RN"S`KZ'SXL>O->Y2_>7VV$Y23]<AUYB^L?I@7TB^WVF:(5HQ
MV[17O9ED)3Z71`&AAK-7099U$E^85GG2KHN/]I#42:XZI;.I:>B_[>TGW!M'
M7.WM"M$9`X4_!EG<H58CP`H1>1SEE`\[58[?_?-M=4ZXO_;:Y=F5RI8?-Q55
M#@@'SDECQP/#9\0,]^V,I;.XP'JEY]9/68Y</4C)?9^Y$O9GMWN0N78-E[9H
MM4R"B"Z,?HDUR(*FT4FZ:LTB2_\`B1)$#D<7)=?>Y'V:_P`+6G]P]U>WMUU[
MMFNHHX*0M7'E:Y<.,D.H6L`9(;+@`9UG_+3;\*UOK:KOJ5W,;N3#-F<5J%*G
MQQ)9R?`*X4DG%T>OON_[&>V6IXF&RZ@Y=G.8V7U8PCVAUPMHL6Z6.X!G+[IF
MNYY<,BI$`66I\.3/F/9@\^(LDYKD:-'94Z\.E_EM-QM#L_Q_JNFT]BS;LNMV
MTW+M>L(453PKK=;7)#'`^0!D'DDX#+Q.=W0[OLNUVZ:M:NJK7;5JNL+\BP+6
M6(U:@%?/V'BY\#U*G(QF_P!@]>V2S;K^O(122N))JDKV>-O(!:OGENNZ7KT)
M]9/94K%,3F@M\K(N6#@5Z-(Y#C]CIEQC?8TSDG[3*V%^?XS;HT]=V;[`V/F&
MF/-;JGV'8H&!E&().,G."N5QDYGI^05[=N]UZ4FGXSM'PZ,WW"B\Y.&`(`]!
MZAL'./$C.N^_Y[+?9*N9Z%V'UBTFM3O8[)<#L6(TJE:J1UND0M5MU9SQLO8]
MF$6LWE0*]4^PV=DA-K9((.ZZ*:6PB2F6IGKGKI?C5>YU3[-E&W5:-6RY;7:L
M5N:U9\+45%A1@I46*[?<<D<<X\MSO[-3L5UTNUK*SL5U&M5<V+S8)DV!B@92
MP)0J/&1G.)$+)[M^\`Z@7'>`F>^MQ'/:W[FVCT^K663Y&@CKU>U/^SQ#U:I6
MHOZ<T=G5RDL0;K.&RB(1=<)KEC(LUUJ='>?C1F?>K\?_`!]]FOKGMVALOH+L
MM8.!1/\`VXV'K^/`9\H&"MS7#%05(!)\G[ONEU[-Y:]8ZZ[K:ZH>?)O[QH5R
M^2%^XJ2O!O`8@@D`2C2/979JDG;L8]C:5Z];!:,KN_Z\+F!+URFVX#GIRK^S
M?M3`S&$X3HEOM]Z)"]!QVW4687$$&B[\>2^@;)^S'=9>;[XZO5:%W[??ZNS:
MHINKW5(9E+AJ-<V'#JJ`I:KA6!4$#F,D$&9[79[E/SZ78UZ]UM3ZC`A6"%;K
MPGE69B'K92RGD03Q.`09@?4[=RV4[A:LT,B`K&4;S[K?L?$=NKW944E7MISN
MW0=(KE?F2ER4A^5^WY2&MTWJG&TR&Y8#G.+ZAWJ4^O==<FYUZ;=;,=W6Z_1/
M#V:IU*,1[\EL-8^F']/$\^IWWU-Y]9U7]IL;NX.7N+$8.`?;#5BP_7*?K/0C
MU$V:V>Q.!4S<K371U5BZG)M-QS\-`1/0_P`QPI:S2\9,F^D)#[BK':LP2*+3
M^-\:8;D3E-MMI2CGU^9[O0IZOLK.NI<N:0JN3C_JA1\H&/\`2MG)1[X&29]#
MT^[=V/7IO6J$%I9D`S_TRQ^,G/NR<6/MD^DI([*E<_:AEL+DJ5R$O]?^\REP
M>27N0ERFO8KUR::E+B<7^.N4TRZM"7.IZM*%J3SO.*[SN_6J_P#9US8'+_<Z
M1GWQ\%_C,T;"?^ZZER>/^W6^/;_K4R/Z=[3:O7O=(+ZZKL^+811B@G-IV<F=
MMHM^/3/:4W8R1W_L.D8_?@][H>?5&Z448,C,,AY?#AR=*G(E)@?A)YUWTU.H
MTK>A;L^&QL;`-@<5.@&N%`X/:A1W97))+#@@`QRY>DV>SW$[D=?RIHUR$*&Q
M6/S%B>:UL&5590``IY,2<\<2A"_NW[FB\7W?V[=HF`LX'ZZ;MNU(/YCV%?)&
MM:5C.$;I:LQN.F5R_<M[%3I5M@5RMR)D,'*`E6"DB`[Q4R$F8RB+TT_'^B??
MUND%FS_N6UK4N+,I\==MU*V+6R<>3*68`N'4J"/M;B<\YN\[A-'8[AJZ/V&M
M?:I3[OD>NJUD9PW+BK8!(4JV2/4<@!81OVJ]OKS6O9O>L$K&#+Q+UIO>L4D+
MG>AP+U(U'V$7Z]2)PS89XC0`=J&U7'OS[,!*"*PW,`6/DEZ$B7.7'8D\;9U:
M^FZ37NU.M[)]G_<-NNMRZ%/CI^;!J!0J6MPI5K,.F,\5R1YV7[;MKZMK?T$H
M_9:UEBA'#<[?A\6$.&"UY8,J95\XRV`?&M&%^W9"Y^Z?M?1?6*O!+)KGLPUZ
MD^P8&1I/986DYIZ^3O5+$^$]1N[(^7",V\LRZ?CC!U9"R.D)9-]"I<@</2Y.
M3UNQZ1*.ATMCMW9-+4_<TL*_+O=^XNQ6F00H^TLUC#`4'`9L+.9H=L]W<[57
M6*K;.W\%JE_"I5^WJR[`'+$<@`B^2Q\E5!89'>_VV%,YOGLNY5;KZU0:YZHW
MARAD<)O+-]D>P_L62IP2OV'4Y&;E`!N/6LY?YPT^)J4.6)LCATL.7V2N#'D,
MK3AUOX4FUKZ@NKVC;N5\Q<G#X:`Q9:_D!')_0-80R<%88Y$&9=A^6MK7[)K?
M6%>J_'XFY?+=Q`+\"#A/)*U@J_)E\\01/3CV+WRP8N,]?[T'!BR^;7[>\LRW
M52)5$^*4I]0VGLZD4FW"E-R6(T9^)L!ZL0IR)C3C:1T^0KGP<;2KGR75];5O
MOLZ[LR[=>M996!C#-5AW4_\`[H6$8_U`>T^F['L+-)=>]%!UK-BM+"<Y5;,J
MK#_]X4!S[$S41K]D9<%>O=KM^H847DF&YII.E>N%B&2R+E@VF%Z\64IC_L&*
M+-R'%CF"8C?6(`8,B$GGY,8G'4OY.+Y]>X?Q6NS7Z_\`;6,=W8MKKO4XXU&]
M1;21[X-.6;/H5./$XX_)7KOWOW%:C4HJ=Z2,YL%+&NX'VR+<*N/4,)K=L.R>
MTTZD;.BC0\#P'9J=[I?KJHNYV2L5:^/R-#M.J5?TG(&HY,M7[W72I$8&-WYZ
ML3^2WI2R=''MP$K8>5]_G5T=#IUV*/W!V=G0LT-YZE9D^Q:VV@,!D8`D(+!@
M#C:2WD>)SMO=[-J+_A%&ONINZ:VE5;[V==8G)#`D`N4.2>58"^#YDLKY?W$K
MGM5^RXUC[_KNP;I%7]7KG>R^A5C0"(31]`#^KXZ1,HU-"5Z\ABF<UJ2D2IW^
M;(SK%(B(GL-)@RNL/.+\+:^CMZ?J:]T;7QV/L*@1D!1#L'#L60AV\_TJ$!P3
MR7($]:G[>KM>S?4_;_(B4,Y=6P[B@?:H#`HOC^HEB,@8.#-S=[U=O8_U;;1N
M(.--J[6J>@>C:L(B=FKZ0KJ+QZ[F;=`C=(Q$,.=FB$DT)^^TE'?FW\D\Y_CS
MA=;I'1_,-?K["'-/9)63CPW"\*?!]CCTG9[#;_>_BM^\F4%O7O8//D<J2P\_
M49]9HUBMMSWU7]+=5]E\9]`[=B6I9AZ7L:`Y<M*KV<A:[LTX!31MF76VR^?Z
M[<K7*Y83`U$M:YD:!WXJXXI?'.=1Y]!OT;/<=]3U.]V2;&G=O\.-;.6J!8KR
MP]:K]H./!/T]/,XNE=K]7TMO9Z>B].U5I\^3A0MA"AL92QF/(C/D`_7S+CTO
MVKT[UF/Q-*]H\RQ.UWRM>G7M-NS$C(`=@&VZN!:WHGK`#JOKW7[A<#1MPGVW
M6:^1V#9CK`V`0G#H$M(^(VPIONCJ=-J=M4=3J+MA-9][7I_N%2K%DV"US*H&
M.*H2BY8@,PY-F;>UVVSUE@V>SJI>]=*^W^V"&`5Z`*@S$YY,WW-@`D*>(Q-[
M<)B^W'W'2OLG8/7UZ.6`1)<>EXU2]!&3:1977VW)0:7?KAH1^)H8B'"4IG\Y
ML#7G7I"/N\CMMKXTCYWL3TO]'5+LY5L<K70AU^O!44H2?..;X'C.?,[VD.US
MR[%M?!7^FM6!4_3DS'D`/?BN3YP)-=YT!O*\?O\`H+EXS#-OZP!>GM7G9YLB
M!F%;DK>8BQ2%P>AE`DUX=R1(2A,=B9&?EOK0PVXA;B>\U^NUCN;U>L*[K>;8
MX5#-C?HN01G]2"`/)'B>V]>-74>\O77Q']5AP@_]7D'^0()/B:>^C7N)8_8O
M0-_S"QVG,M,_Z@%Y%;:]K&49]IF4UVUU[6FM`BH#3Z#J9BSF(1NK&,WE]Z0@
MEIXLE"G1E-]9>;D-<[GY#T=75ZVMN5)=5\[6JU=CUV,K5\/(>L*"&%@\%0RD
M'.009Q^C[BSL=C8U;&JM^$5L+*U=`PLYC!1RQ!4H?(8JP(Q@YF9`[9[.;]LF
MW!,`?PV@8WZZZI$Q:PV'5ZC>M!NFKZ(&KE3M^CQZR/JE_P`Y%9U4ZQ!N4<5%
MGR^GI4\M'DN_BLQFF_R<+>OZGK='7L[+]Q9O;5/RJM;(BUH694Y%D<NS%2Q`
MX`*0,DDXSJWNR[#<O30^&O4UK?C)=69G<*K/Q"L@15Y!03R)()P!C,5+^[=_
M@^E^E^R[%1I_;32_92]XN.`/*-JKTFN5;W9F>LL(O/4W.22Z9?I\?A%[[;J6
M/Y+Z_%'&/^/SV3H-9N^JZDN_PV:B6EO'+DVJ+R!XQCE]H]^/Z^9XOWFPO2V]
MF$3Y4V6K`\XPNS\`)\YSQ\_3E^DQF9>SOL+KFZ;SC\:^^MF17W/K)J0.E^O.
MFY;JS^NRZ/63\H'F>^*L3NJ4H/IV;Z'!:C&'N5D1V$.BDV(+I1,]E]/<MOJ>
MLTNOU]TU[5^O:E9:ZNROXP[*#93Q^-S6Z'*_>V6*E@G$B75[+L-O=OU>>O3=
M6[A:G1_D*J2$MSS4.KC#?8N`"`6R#-<?4KV3]R"GK]Z&8W$L^1W[>_9+)[9K
MCVOW\!HQ4)GV'Y:(SZ)9;!?P:]'19=:URP7C21D"(F*8KX]3<AV2[\4Q/M2N
MKW75=$G9=EOE+ZNMU+EK^)"@+VV%RH0\.-=:HC$Y5V\`#^K(Y74=GW#=?H:7
M*JS?V:6L^1@Y"5($!+CGFRPLZ@891Y)/IYL6Q>\WM17K"CUT;HN&E?:`)[?Y
MAZXV&R?*\#\7-9KL^"Z)N-)W$(`4:E7$)/#CJ3(BE*P^3G*<FBI+$<EQN7&F
M,ZM7X]T]M7^Z&S8'4-HV7A?L-HLJN2IZB<!2"7!6P*/#`E,J5.S;WO:5V_[:
M*Z#V:[B4D_<*REE3VK:!GD,!2&0L?*D!O((Q%L]N_?>E5[W2-DPGJL0A?KZ:
M=-Z*78K^I0D>R0;F25K?G0]`"]T">_@AD3F=F9@N2B<JZQY=@[Q2&6825?+.
MGH_QS8MZ^M&W`W9^$&:S\!^1J<N>`^8&Q2<**B$]RTQN[CO:*]YV75*]>,N<
M/_>'QK;A1R/Q$(P&6-@+>P`D)]@_VS$Z'>_9%-$NWK-7`7JTL8/D8SJ_;Y+W
M3V1L4+.:QJMU!9R2JY:!7\QY_#6U@#6WI@NSJ,66,_Q]J'#XVZYL=9^&)L:^
MJ=FO;:S;R?EKX"FA2[5J7#`FSRI=P&KXUD8+-D#Q[#\K>B_877?64:V`*WY?
M+>>`=@A4X3^K@A*OR<'(`\S=3!/83V%WSV0V\,,"Y55O6;#KC5*IPH3$W"=L
M&ER-"]<\IV@,B`GEC'UJA<I<_3&6R+DJ&463;5^.TS"<CKD2.!V76=9UO5:]
MCM<_;;%;-@%157POLJ.?M+/R%9XX*\?4E@<#L]?V/8=AV-Z*M2];0ZKDAOD?
MG2E@]P%XEQG(.?3`QDX+4O:76*Y[G`_7?^SXKA-(+ALWGYR=V^BW\_(]HC]C
M+'V]`H>17P-?*%0*C=**,%Q661$SAPY/E$&Y*('8:>==]-/J-*WHF[/A?L;`
M9PXJ=!^W50O![$*.[*Y))8<$`4CER],=GL]Q.X&ARIHUR$*&Q6/S%B>:HP95
M5E```/)B3GCB:>5O]NLNT7JMV41=/6\CF]J]H(/K[`];QT?0)GM5%I1/8EX3
M#V:=9(Y9VEI),V/J+/+JB:_U,2H=6I1CLYI37G=M_"5IUWJ>O:&TFH;C>>`U
MRXJ^8U!<<\8_MBSGYM_T<3F<>O\`+39>KJ^N:'V14*1R-_`V?&+2<\?7%A3C
MXK_U\A+<I'NM[</P*9N^CTO"0OK(=]Q;3ZH&Q5?A7J5IP8%'WS1?6^G;I.MT
MZU\J0H*6U037X4D(H1)6S!G/3>D$?),5C2V.@Z4-9UVK9L-VRZ*[`)*?&3\*
M7M2%"\B167(?D/("\?<[5/=]MQKW]A*!UC;C4$`-S`^5J5MY%N('R!05XGP>
M7(>@_;U[QPHF[![7=,NS\ACF8>P'MKGM(TR:!(DM+!A_6/U"M-TWB[TN9(F\
M@0B$S2P=@I?QCH;X^.%RDN*4I]/4-?\`'F;KFIU[K1O7:VL[UA@*R=C95*4<
M8R0*REOGT9ACTDO[U1OBV^JLZ56QL(KD$N!1KLUK*<X!YAZ_'J%/UF8LWN![
M78[ZFF?>7<!?KT*SLQF]9MM.]?P0N]Q+I4;!KQRH`,9!:'OI.YRZL0CPR%UB
M-VZ5!I<9F#SCRX/9*&.=D^=/1]-O=TOX]U[;)V5M96N)3@RU!FM*4A>0R$/Q
M@VDGQRQGQZ6]QVFGU![S=77%#5JRU`-R5K"HK#VEN)\L.9%8QYQG'F1>FGO2
M>V_>[+@-ET/U]W)UC&8^RA]4]:0=[KE0`R1]M&5"XYE=`MWL]X>09ARK(-FA
M"3))GI>!V7]R!%7$ZI[R[W\=KZ_K4[*JK9U_[_Q&N\HS$%2RV*45/!XL'4J>
M)XX8\O'IT_>OO;[:#V:]_P#9^064A@H(8*R,&+>1R4J<_<,_:,>?4WSX^?4Q
MXB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB:-ZGZE7_`&S7\^M.E^P*RF,Y3ME-
MWVA9"&R6IA+,-NV?Q_NU,;.V'I,@8DU.(=<<ERF(HR"1GL.*@OSEPW'F7?H=
M/NM;K]&VG4UL;]VNU+V&QBI1_P"HBK`'(CP"6(4_<%Y`$<3;ZF_>VZ[=F_.G
M5<MJUA%!#)Y4&S.>.?)`4$CP3C(GR`]'*R`]<_6CUT:O]CD"/6G4,<T\-9G!
M@E!6TSL=OS=]'B2\-'/P84,W*;_'D+8_Y&VN_)'^[Q9^0W6=IM]H:D#[=-M9
M7)PHM3@2#ZD@>1GW]9C7T55?6ZO7"QBFM;6X;`RQK?F`?89]#B=?%O4?4/7P
M]!K&6^S1,?ZQB[Y9[J%P@]E%0L!ZN#+>:,VDOF=>UYTC%)P\VB6<[(>&L2!4
MLL.A_"$T1^PTUQ%W^[U.SK-VYJ`]LU:J;A8RABH"BQJ\$%RH'(A@K'[BN28T
MNIV>O<5:NR1U@=F%1125#$L4%F<\,DX!4L!X#8`F4]E:+J)/V%])M4H.=D-#
MKV2:)JG-&CB+'30).N`-)R<S0H%I0Q<K!7630\,4)H=F1X3C\_L=*NLL/+^B
M.X=5L::=9V&GLVBJVZJOAE6(8I8'*_:K8)`P"<#/J1,NRU]I^QTMO7K-E=-E
MG/!4$!ZR@/W$9P3D@><>@,XFO2*M-8D(Q/E]L71HCVR;]L&SW1@K^1>/-^V<
MGVQY3G(WT_%2$Z>D]#_?Y_Y'X//N_P#VWF1_(+3V#=A\:\VTOVV,G&/VPUN7
MUSC[L>F?'I(.CJ_8KH_(W%=OY\X&<_N/W''^&?MSZX\^LKWW#Q^H5ZE>Y&F%
MZSJ>OD_:7!*/Z]1,BS:B%[>9?/TP7M/:0Z'D5T63?KCQPYJ/>/'"W8H<&[#C
MR'I+*?DKS9Z/>OLV-#41Z:$T]EKC8[A1AS5SSR(Y8%?]"Y9P2`#/#M]*I*=W
M99;;GVM=:OC12QR@MXX(!P27_J;"J0#D383TQPLEZV^KF*XW8B[]DN]6ID.7
MI]KE2NSIERU^UR)-PUVZ39RDI7-EV[2CY4BMU7/JKLGSE][V"]IV]^]4..N[
MXK7&.-:X6M<>W&M5'\IT>GTCUW6TZC^;E7+G).;&):PY)).7+'R2?/DS3Z^_
MK(.VVAW+``/M5>Z/ZJV?5G=E&XT(SZE3#]8L<S68NXD:5`U":OI.3CDG34R"
M"`C@_A!EJ1^%PIV`A,7O<UORVNG9K[.S3KL[A*?B-I=P&45_$&-8\?+\>%+9
MXG'+AR\SCW_C+VZ[]?7M.G5M:;!7P4E27^0J'/GX^?W!<9'IRX^)E;'^MZP&
MHN@9^.]GK96\"OGLQ_\`+"3F0G-*/RT=TR7N0/V$-`CNIO.**63.)^BBG'FH
M"X#!5B*XU$43=B1T1U85?E5=9JV6U$?LJ]3]O\AL?C\8J-((K]%<(<$Y*DY/
M`,<S*S\<=ULUUV671LV?G*<%SS-HM(+^I3F,@8!'@<B!@\6N_K9/Z6#]BLJ!
M^TEWSWUV]F+V?U2]9:&H%0)V4=?K4X)*VEFM:>2D=(C\\M=M"ME2058]V4\[
M(EQVB+$21UA-T?RNO4LU=RS3KM[34K%:6%V"E%R%Y5CP753Q5N6``I*EAF3<
M_&GVJMG4KVK*^OVK#8Z!5)#-@MASY",PY,N,G)`8`XFLGNUE)N--]Q\D]>SW
MN6),>U8(LY;\0SKUUG%\CU#6;]E(J@)M%6]HC=)<IV)56RP8@J+?Y*SJ%1VX
M$N1$;B$'5NR.MT&Y6RZ.[V:Z+5Z;#C:]X%M=:6%^+:X?E:RDL:1P\Y4-R48'
M-[G5=3NZO7'<%FT"6K6G-=EC5A<BXKQK5@%%OW>S$`,<GTIP/U1B8V]>34FV
MRRYW3,<]?LML<1F#%CA@SN&9T6H;1,"OXIF/H._S3KZT2/\`[+[:$I_QWOGR
MO9=R=[XT"!:ZK[K%.?)^9P^#[>,8\3Z/K^I&D;+"Y:RVFI",>!\2%,C^.<^9
M65;]"OZ(WZ?M4C7I<1GUB]?)GJO;8=IH(.UC]NP\XC*>V8*5B_R@==)LY25D
MD%31."Y(;CM2I+2HKR5(ZWMW?DG[D[QV*`3M[0V%*N5-5H^3B1X/-1\A^TXS
M@'(FM5T`UQJ?#<?_`&NL:#R4,+*S\?($9'%C\8P1Z9/@R0X#ZF:[@HJLY7"]
MJ#MS];*!5RU'H&7VC+*D[?15*_A7P-(JE@V6.21.LHK.!RV61[R0\(E*9AL(
MG2I7>.K>\NR[K2[)WW&TU3M;7#O8MC<"^>3LM6,*7.>0Y%02>('C'KH=3M:"
M)J+M,_6UH55&1>07&%4V9R0@QC[03@9)\RK]K]9=!J/IOZO>H&+U2P:TSF=V
M],0)*]SCM"J;->HOK7L>-74[<[9#.'Q$J?(+5?/I7&802-/?5-6E'VT-]^?F
MYU_;ZU_>[G>;[K0;J]HA`';+WU6J%4@'&&<9+D#$T][J]BKI=7I])6M%3ZP+
M$JN%ILJ8LP)&<JA\*#YFY^QXF-V(KAY4B>(!',0VT'M@QF!&BR$'R0.F7RF-
M`2*I/^Z,/D1KVZ^IUK_EXY'1SG^U2O.#H]@^BFPBJ&&QKFHYSX!9&R/U^S'G
MQYG:W-%=QZ'9BOP7BT8]R%=<']/NS_*:R[IZ"BM@T*Z:X(U8_1M)*7WUEU*A
ME.5>OVNNT>^>L+.C0JQ-)U8LJ.S=0=D':;/:G0WI$1Z.XAF1#DQY++3R.MUW
MY(^CJUZ3TK9JBN^MQR*LZ;'`L`P_I*FL8(!!\A@02)S=[H$W-E]Q;639-E+J
M>(8*U/,+E3_4"'.02,>""",SK57TYWFA'MCTNH^X4U6T[O9LP/W^WVS#*=8:
M8T/S2C':-#I]2SL?9*V[6ZQ)CD8DQKG\Q(GLS(:UO2I7Y<CY6[O>NV:J-2_1
M'[#62P(JW,K9L<.69RK<F\$?T@8/@#`DJZ?>HLNV:=P_O+V0NS5*5PBE0JH"
M,#R#_43D>2<F7/A?JK7<+]9Y'K>*M9D_$+1M6E6&XSAH(3,(6G:;1;KO>C0J
ML5^$-JU7$]M%UFN#1$&.U"'1.-1T<4E'5JT.Q[BWL>V':NBJRFL*H)("U*J(
M"Q)9CQ0<F)RQR9N:/55:/6'K4=F5OD)8@`\K69F(`P`.3'"@8`P)A6/3RLMY
MSZ5YL_;C$P7Z8D:-."29`P6M>B-4GU_O7K^F!:(JDJC08ID)>WIS_(W/\/LI
M;Y_QJ5YZ'O+3M;^V$4/OAP?)^SG<EV5/O@H`,^QSZSS'3U#6TM8NQ32*D>!]
M_&IJL-],AB3CW\2BJQ^NHV(`9AB5A]F;Q</3_%[I2[AGGK\1I56BGG(&660=
M;\AS6^[$R^Z<NV5YA8PHYX>/_CH)&6R*A1R)":RV\F1T;?RBM[;NPJU*T[R^
MMU>X,V,V*5ML2KT2RQ2V6Y%068JJDC&G5^.LE56C9LN_44NK)45&<5D-6C6>
MK(A`P,`D*`S$9SL_[(^N*-W1F-EKE_-Y%L6'W=_0,@U,`)$6)RO%RE;,TNT@
MK%53J/XNW4:ZT^PRX!0:MR*ZOBFGX\F-*CL/M\CJNT/7?-5;6M^CL5\+:R2O
M(!@RE6'E71E!5O/N"""1.GV/7#>^*VMVJW*'YUN`#@E2K`J?#*RDAAX]B""`
M9KP7_7PY>,[]E86I[Q:;INGLU!S@?8=NATZMUR%11N*&G+1C-8SO,4/%0HRE
M4JUR9923"FS9\LQ,)3%2IG>.M)8ZE?Y-^WVM1M/62OKM0N5J+,Q<VCC:SV>"
M6=<*"``H5<+X.><_X^+]?9&U>[[VR$!LX@<14>5:HGD!5;+$$DL6;)\C&Q6/
M8"8SW1-'UVY:*O0=$UG/,8H]VG0ZG"IE><F8ZO2E13X,!'*G9`G^P)TASCT1
MR;*2Q^(W\'%=6OSE[W9)LZM6C15\6K1;:Z@L6;%OQY!.!GCP\'`SF='4T&U]
MJW<ML^2^ZNM6^T*/[?/!`R<9Y^1D^DUCJ7Z^;9B\7)R7K=[,V#+KQ0_7RB^M
M5W+V;-:SI51UVAYC-L!3.S5DH[Y>KJ#7VDDK>8Z/)0"3;78I1^/)CR6^,?9Z
MU_Y-3OM<O:ZBW:]FT]Z!;&1JWL"APKX;*.%7DI7U4$$'.>91^/V:0J;KMEJK
MZ]=*6)0.MB(24)7(PREFP0?1B"#XQM=1L'=JVR%=Q.WPM<;K8<`R##+(Y+"A
M0T(L]E5GTZV.WI,0.TS''E+85U"5]^$PA,.*B.WQGG.=5YQMCLA=H+UU=:UZ
MZ[-MRX))'R+6O#)]0HK&"?)R<SJ4:!JW3O66%[VUZZCX`!^-G;EX]"Q<Y'H,
M>)F]1Q<;J%V]?[M..D!,G`=3+:D*@0XT5^/8YQ;)=+R9P03=D<^[$A,P-*>F
M)6S_`,G7XK:._P"Q2O//3WWT]?9UU4,-FD5DG_2!979D?4YK`\^Q,]-K27:O
MU[V8@Z]I<#ZDUO7@_P`G)_B)H_"_6[81T83GX_V@N`[U^JOM,,]M*IE(_.:7
M&L#EYC>PK/LG/JM]T]3SQ>^41Z_/2U1FE0H)1I#D?\F=,Y$2ESZ%ORJIBVRV
MFA[-],ZS6%WX\/A^`,E?HC\,9\E3YPJ\O'$'XVZJNNNTXT$VA>J!%SR^;YN+
M/ZLO+./`;TRQQYO*9Z55N9CDO'57JPH'2_;9/MHHVD:+[/0?3[9,^V']-3'[
MS\;H/IYG^'_([_Y/X/?N_P#VWG.'?VC?&]\:\AI?ML9.,?MOVW+^./NQZ9\>
MDW6Z2MM,Z?R-Q.Y^XS@9S^X^?C_#/VY]<>?6?6M^EE;UK0-0O\^]6`-+U`?Z
M=CYHZ"-%R(HE'I[[`V'V`KSD-V3S[SZKJ5L"QL_CG^(\5I+C/_)WOC2[ZW2U
MJ=9:U9:3LD$D^?W-*TMG_P!`7D/J?!\1N=)7N;%NPUC*;1K@@`>/V]IM'_\`
M,3Q/T'IYFE/NSZAL&<*-^J]`<V4_IWM'[C3MWJNDT^FF&A6$,WC4@Y+:['8=
M&%#5U*F@@&,V*QBXK9&6R2L"""H41IYYU76^_P!!W93L5[G9^!=33T12R,PS
M=PK(J54)Y,6M5&/$%4X\F(`\\3N^G#Z#=5K_`#-M;6X;5=5.*N3@V$N!Q4"L
MNHR>39P`29ZM",]*5FST?^I7!VM9)2<WG4*/BX^M5WH"7-9DUANH65NRNQ%V
M@4NEU\')&QQ\9]$&0R04X\A3C#/4_&OM);39\R<]VRT/\I9N0'W<EXYXGFQ#
M%B,@K@>"9]8FNU5M?POQU$J*?&%&,_;Q;/\`4.(!``.#GSY`D:FX4+F^S59]
MF56`DV:K6$WC"V:JF+$Z(E"[O?\`/K_)L#TWO_G()0)6?M1FVD_\2FI*U*_W
M)3YZKV+KU+]3Q'QOLI=R\YRB.G''I@AR?KXGDV@C=HO:<CS77:KC[89T?.?7
M(X8_G*0]G/4F_P#M"054+9[`N!/7,E8LRL]AR(3DU5D7"21S.U![K%9KNQS2
MJR=6C';%7XCLA]L3(*14)<Y!F1%J0XWT.I[K6ZA?GIUN7:!;%6PV-QQ8I4\J
M@,-A6.!R"GQR4^AT^SZF_M#\-U^.N+(QK"#EE&#>+,Y7)`R>)(]B)ICC/HAK
M>I9ALU"T_;-(H.`[)[@^UFAZCZ[%,]!M'+36"GMCI-F@@Z=IA)UBQ4W(-EKL
M,:0(PT09LB="(RE0)T-J=_M[V_\`D6EI[FOLZ>O5;V5&CKI7>'.%8:U:DM6/
MM:VIBRJ<@`J.2L5G$TNBVMO5OU]JZVO0NW+W>DH,LIO=L*Y^Y:[`%)&"2">+
M`--D+MZ"6LHYN=+S+V@N^0^OWLU:+1;]ER8+1JB>L,8QI,5N%L'<:U(NXDKE
M<75F^/22*'8!M<$G.ES1BX#[_P!4<K7_`"2E/V^QMZE=_9ZB*M5A=@N*SFKY
M:QXL-?@+]RY4*K\@)T[N@L;YZ-;9>G0VG9K$"J3EQBSXW/E.?DGPV&)*\29V
M3_ZV<KF$=#L=.MUHS"[$+/DETP:[TB((AV'UHL6-XO6,.K[5%>FL38]CJ%CI
MM7;AV$$8;DC#@R2]"DMJ1]IQN5_E>XJ557HEVN$L2Y')*WK;:UK<\8XLK-E'
M7#(P#`^H)_QK4+V6TNU5Y>MJF7`-)KK6H<?JI5<.K95@2"/3$@'>H.O4#1[]
M<\/]I9V95K:+B$TS8\^(8[4+X(G:>T#K=<N]SRTB9,PYV;*TH75HJR4"9RPP
M6IWW)49MEUY[KGD_=Z6SJU4=AIBVW7K-=3BUD(KRS(M@`(?@6/$C@<8!)`&/
M5.HVM?8LNTMHU5W.'L0UJP+X"LR$G[.84$@\QG)&,F;+>PF,`O8C$],Q2Q$B
M`,?HM4(@6;((0PLU4C2N(F5JY@4RDKC?S]-L<6(4@]<3U"9<1OJN=YSO/.3U
MF_9U?85=A4`S5.#Q/HP]&4_HRDJ?T)G1['2K['1MT;"56Q",CU4_Z6'ZJV&'
MZ@34*R_K5S2ST+TVHLV^W1MKU,L(@N7+H9$KF[^+Z1`W._UG5&G&%1G!&J:W
M3PMK-<BI1UTB-2A/T:<7SSN5?E>W5L[VRM=>=U2`/.*3AD1J_?-=;-6N?8SD
MO^-ZMFOIZ[.Q_:D$GWL\J[A_;^XZJ[>HR/3W$RTWT>@7P5[-I#:F?I]I]A-P
MPGV$$65NN!#S&::%Z\BL1BT7D4#/6Q%MM>E%<-@22,26ZRN0U,D,(=:_XW$:
M^I^0MK/J<Z5>G5U[J2O(CY$O-O/R/Z6`M(4C."`<'R)[;/1K>NSPM9+=B^JX
M'`/!Z14%\'^H$U`D'UR1D>)/\]]87:F9]B;;9=$FVZX^S-<SD7?BD:M#ZT*@
MF:'DL7+)1NMA&9Q5<%@^EA1#L-^5)Y%<7]I+JT)^7=;9[<7)JTTU!*-1W*#D
M6)#V?)AC@9Q_3D`9]<3WUNK-+[-UMA>[:5`YXA0"E?QY49.,^N"3CTS,@SZO
M@FO2YKTO5:C+E9;]7T>L"KO^'!38%@DY3S*>VK^/3S^,285`Y^7]GG/L<?\`
M]O\`[/,3V]A[_P#W[@OR_O/W'#)XY^3Y..?7&?&?7$R'5UCI/]EYM\7[7X.6
M!G'Q_'RQZ9QY^F9K_"](]I-X-I/K;KON"6TK+;S@)?"0\&'AF<T4U4&IP>!7
M1]O8,@YDAPT0%`XKK/(DAM,9Y;_W%?3J$\\Z;?D&A7V57:Z6BM6Y7LBXDVNX
M;!+%<$>`3YR/(QB<\='NV:%O6[>X;-2S7-0'Q(I7(`#9'J0/8^#G,NK=_3O.
M/8RS2">E3C$ZKEO6S:_66QTZ"IJ"T6JFV'\LL!:P1SC7_P!U`]DKLK+(RAST
M?O/LO/\`7O\`[1IOOG/Z[O-KJZ0FH%%R[=5ZL?.&J6Q0,>A5A8>0/J!CT)F[
MO]-K=E:6V2QJ.M;05'C*VE"3GU##@,8]SGV$ID]CGO\`43,7*C0_;&-KMGGG
MLAI%=N=PQ_.*K;Z#04:;6%:MJ-Q,_GDZWJ-]B9#&)QXT>.#$QY95UM_\;BN]
M^._5O?C>QN?/LZ1HI"VNRK:[*[_&WQUJ,!JT-G$DEV(4$9FI;I]_1J_#K;0M
MM+5J&:M%9$YK\CL<D.PKY`#B,L0<38WVF]=H7LUE\.A.6XE0CM;T3,M<HEQ'
MB!5D;K^AY#=PN@4N>7J9Y"PEM`).@VDS1TG[:9#"E?;=8?2T^WR^G[1NIW#L
MA!96]5E;J25Y):A1@&'E6P?##T/J",@]'M.N7L]84%RCK8EBL`#AZV#J2I\,
M,CR#ZCW!P9$?7_UCM>3ZSL.Y:-N)[:-)VVHY-4;(Y*J`*CT^MC\@FZ5)`0Z#
M6`\DE(!AY;>DR%2&)D\E(7+0M]4E7WOMM^W9]O3NZ5'7:NNM&KKO8R_<79C:
M*^1=CC)_MC!`48P,>,GQZ_J[=3<NW]B]KMB]*U.5"JHK+X"`9P/O.023GSGS
M@1:;ZEZ14-ETG4_77V-G8X`W"U`+YLF6GLNKFI5$Q?!`2O5(I>J#(GFJP6SZ
MSW*G5:!!+_)TJ-DNQ&I:8;<KK[C_`++W6K?HU:?::HOLUT*56"QJV"$LP1\!
M@ZJS,5_I8`E>1&`/(]3L4[ENUU^P:4O</8A0.I<`*67)!0LJ@-Z@D9QG.::N
M_P"MRQ6X+?\`)X7M+=ZQZU7G=7O8I.0#,^IKQ\1?".PC-[.5E.H27NDYN4%-
M6BR2O\/T>T01^7V+TFN$CD96_K_E55-E6ZVG6_:UZWP?(7;!05&D-\?H+!7A
M>6>/C/#EYFG=^-O;79J+LNO6V7F[X^"DAC8+2.9\\/DRW'&1G'+'@W6YZG7^
MW>QN8[IL._=OX+!K?IUSP_/PF2U2AS:V1TNK6*@N0KEH,,H:/70-7J/:),-B
M)&9"L39*(\R>F6_&8ZCGCNM:CJ[NOT=;XK-FNM+7-C.&%;*^40@!"SJ"22Y`
MRJ\03-T]3?=V-6]N;'R)KN[5*$5,%U9,,P)+`*Q``"Y."V2!*8IWZZ;GGU,Q
M,93O:,X(T/U;E7&N^N6D]RFK2%A,/O,$2.L.);!5.FVQ.O`R#5>&2'";+E>(
MI("(4IE;+C;WY&_?^44;5^P]^HK:NX%:]/D;S:A)6VIL9K(Y,.)YKQ9@<@C&
ME1^.VZU-"T[+#8U>2TOP7Q6P`-=BYQ8#A3G[3E5(QYS8E-]"!@<_6M(NVN6K
M1-J3[.!/:'2=)G5^O`F[Y8:KBURPBGT`551:>CJ-FM-H]L2D=#CNRYG)$=Q^
M3*DR)<EY>K?^2.]3ZFO0E6A^T.NB`L>"M:MS.6/E[&=?N)`&"```H$V*>@1+
M%V;K7LW?W0O=R`.96IJE0*/"HJMX`R<Y))))D^N_IY7KM5/>>J2;L>@,>\@N
M8,L\R./&.OT!$SU\J7KZIVN-N\^V36@34VR7.2_KSLIY3?\`]GSGFOK][;KW
M==<*U)ZX@J,G[\7-=]WT\MQ\>PSZSWOZ:N^K?J+L!O@AO`^S-*U>/KX7EY]S
M])">^G6I4;2+_=O7?VB,X\!V0A4;+K-$-913]0#S[_5Z?6,^F:'GLHR2".T.
MR7"F4T9%+-2&S0R1(A(E(B-OK?4][_[YJ;.K5K]IIK?90&6MQ8U9",S.$?`/
M-59F*XXL`<9(QCR_V?9HV++NNV6I2XJUBE%<%U54YKDCB655#?U`D9QG,V2R
MS%QN6W+?KC!.D"\C?=7'ZL5@S8T5B/79X_)LRRA(@8Y'YQR5"=@YFS,ZX]_R
M<?E.(Y_L2GSE;F^^Y1K4,H4:U)K!'^H&RRS)_7-A'CV`G1U=)=6[8N5B3L6B
MPCZ$5I7@?R3/\3*$]G?4K0/:&<Y3[3[!.@/74H?S2R6')1&3523<GR.:VH/=
M(J*UL4\HX0JK)NPU^(X^^@1))1$)7R#+BK4AQOI=1W6MU"_/3K<NT"V*MAL;
MCBQ2IY5`8;"L<#D%/^I3Z'1[/J;^T/PV[''KRR$H$'+*,&^VS.5R0,GB2/8B
M<>4>IFI87;GQF5>S),-ZWR-0MNH-X0=RBH60L`5?[.8O-RS^HZJZ1@D`V<$;
ME8)DN)%D"IQ(8Q([%C3T,(92U=WNM/L:0^YJ!NU%*U_,+&4-P4(KM7@@N%4`
MD,%8C)7).9J=3LZ%I34V2O7?*S_$44D<V+LJOG(0L20.)*@X#8`DB;]-*:OU
M.T?U-(V@[/KFAS-R*]N'XH^-8ZV;V75+OKL$Z$9;0J"@MG-LN#;PEU:>_5T:
MPXYSJOEYY?[[>.YJ[I$46U"H<?/%A56E9!]\.JX8?1B!,_\`9:3U%G4,[&NP
MVGEXY*;':P$>V49LK_`&0\#Z`9P,IWJG2#5G/7`+ZUC=9CV!-C@C9#VZ%MTS
M&ZY_K%AT);*6>1B-W+:$5.S?P^(2Y.EK1SZ-]\][/R7::_<V*T5+-LU\>)/]
MD4V(]83]$"*@S[#ZSR3\?UEIU*'9GKUA9G(']TVHR6%_U8NS''N9`Q_Z^[K)
MQ<KZKWSVJNE\]8HM&CTC-Z]*H-8#;AGJ*F4KYC'#Z=W&D>\LMAQ<C6(+PB7)
MKK<B8]#8<)+F+2ZI[8;\FH&^.XUM.NOMS87=@[&I^086K\)'VK:&(8!\`$A>
M/C'@OX_:=(]5?M._6!`J+Q`L3B0:S\H/W&LJ"I*^2!RS-K<0SO?Z0^7<VSV-
MB[HR\,$C0$>#C56RC@UZ`Y+5//&'0)LZLX>.(=:2_P#9_CQK7V?JQ#:^??IQ
MNPVNMV`HT-4ZYR2<VM9G/H!D#`'MGDWU8SJZ6OOTECN[`O&`!BM4Q]2<$Y)_
MD/H)L+YS)T(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B
M(\1,.JP@$'V*HLX'1:9(>588U:43A)/R`$&;#&S3C`?KW"+H>&1(1X[LE+?6
M6WGVT*5Q2T\[G\5IJ-W%OA#!>6#QY$$@9],D`D#UP#,/DK^3XN0^4C/'(S@$
M`G'K@$@9],D3,>83.5LC6J++E9TR#*O6V#J9<^%J5CI0XA<J@N76@9X\6=-6
MZM1R==K8]MBMRHS<F?)CL/$>(AMK5)=;:5M_LMA1:;%X-2H+*Y"MAB`,*V&8
M_<#@`D+]Q\`F:W[R@FL(>:VDA2H++]H).67(`\$9)`)^WU.)9/FI-F/$1XB1
M2]W(3G=,M-[/1SLL+4`1.Q%8M8KINW6*1`$Q'9DID)5ZW!)V"P%'&FN\9APH
M[\E]SZ(;0I7><\]M>A]J]-:LJ+'8*.3!5R3CRS$*H^I)`'O/&^Y-:A]BP,41
M23Q!8X'GPJ@DGZ``DR*:)M6<YA3-5N]FL,5<+%\R*Z]H@,0XP5MX&B"P=CL"
M2\BJQWOYAOA:#4B28''&V^37H;S;75*;7Q/MJZ&UN7TZ]*GEL7"I"?"ER57'
M+T\%EY?0$$^L\MC=UM6BV^UAQHJ-C@>6"@$YX^OD*V/J00/26`!-0;(#"V(8
MIU0T\)'&AZGFE,/*@E(;,Z(IYE7^YEWK#Z?DGO\`E/?\>:UE;56-4_\`6K$'
M^(.#-BMUL1;%_I8`C^!\RLKY[!8SF&E8YC]_T`)5=)]@9]M%8W52OYC<R_$J
M*'C'[5`#R6XC@YN6*$S&G?MR'F5/?<XAGCB^_'S;U^MWMO4OWM:MGU=8*;6&
M,(')"D^<^2#Z`XQYP)KW;VIK[%6I<X78OY<`<_=QQR\XP,9'J1DD`9,^]QW[
M'/6NB*TW=+\$S>BIL%9JG+"=_,7'>L=Q,Q*_6@\:,.BSI\N<5+36VT(::7\4
M_)Q?Q;0M:9U_7;W:['[3KZVMV.+-Q&/11DGR0,`?K^GK+N;NKH4_N-QPE((&
M3GU/Z#)_^0R3X$N#S2FU'B(\1*"L'LGFM;OF@YM-1<)MJS.O8G:+1!KU*L=G
M4V'W^^6G.<_DCV*]!)SB"$V&G3EE5ML_:$0&NS)2VXR5N(Z575;=NM5M+\8I
MN:U5+.J^:45WSR(`^UAQ\Y8_:,GQ.?9V>M5L6:S<S;4M3,`I;Q:[(F,`D^5/
M+Q]H^XX'F?=+]A:KH.SZEB]4K&@$9&-N01-\T?M=8C96.O$\!4[<G-H5FDE&
MIY>[Q*E=QA*2U%@NPH[$GB')*9"5,\FQUEVMH4[]SU@7Y*)R_N%`S+S*XP$Y
M(RC)!)'@8\RT]A5L;ENG4MA-)P[X^P-A6X<L^6XNI\#`'J<^)?7G.F_'B(\1
M*PJ.O4V[Z'K>7@GB+EKQ.?3!MZ:E#GHL!B5?*E$NM?X+G.=^T30X#G-J=4W_
M`(:=^J._YYYMWZ5^OJT[=F/AV`Q3SY^QBC9'MY'CZS5IW*;]F[5KS\M!4-X\
M?>O(8/OX,L_S4FU'B(\1(A;;L'I:JL@O&/R>W"WB:2*_@:T=L:8Y@TS.?B23
MB@<">FO`&T#U\?)3?L0(RNH2ZZGKB.=]Z->S8Y\"HX(7.6"^!C.,D<F\^%&2
M?83QNO2CAS#'FX484GR<^N`<#QY8X`]S(]L6OTS#*,YH=^>(QZVU:L\IRW10
MYXK,_FM/T*KYC54<AQ^\<[&=M-OA(?<_]K#"ENJ_VH[YZZ.C?V.Q^UUL&W@[
M>3@8K1K&\_\`I4X^I\3SW-RG0H_<;&?CYHO@9.7=47Q_ZF&?H/,XM2V2DX\K
M-D71\DQW5M5JF-U'^-&ODN/7:YLE7PC!#K/>?QXU;89_[LE?^QKO$_7_`%YX
MT]#8WOE_;@'X:6M;)Q]B8SCZGR/$FUNT:?Q?/G^[:M:X&?N;.,_0>#YEJ^:<
MVX\1'B(\1'B)$-!O`',J#=])M+DIJL9[4++>+&[!BN3IK8&IA9IXNY#A-?1V
M9*0/@.=;:3_N<7SB>?Y[Y[ZNO9M[->I3CYK75%SX&6(`R?89,\=B^O5U[-FW
M/Q5HS''DX4$G`]_`G<JUJ$7&HUR[A5R%@K37!%J$N28ZXTI8@X,CEX"Y$5?_
M`"1Y"H<I'5M]_P`H5]>=_P`\\QNI>B]]>S'R(Y4_3(.#Y_C+5:EU*WIGXW4,
M/X$9'_"17&-;I^]9/GFT9\\1D4?3ZD%NM5?+#WA)-T&>AMSA[DX9([U^#*5'
M=YU;2_\`<CO^.^>V_I7];NVZ&U@;%+E&P<C(.#@^\\]+;IW]2O=U\FBU`RY&
M#@C(R/:?5VUFH9_;LBI%B>(-G=NN9JAT1N&/>F17[``SRY:>1;*2F^_;%Q$U
M6AD%H=<_VK?2VUS_`'.<\:^E?LT7[%6/CUZP[Y./M9UK&/J>3KX^F3[27[=.
MO=319GY+W*+@9\A&<Y^GVH?Y^)9?FI-J/$1XB/$1XB=2?/@BX,PF3F1!PT=$
MD3R!"?(9AP8$&&RN1+F3)<A;;$6)%8;4MQQ:DH0A/>][SG.]\R56=@B`ER<`
M#R23Z`#ZR,RHI9B`H&23Z`?4RL&]NSR3I5`RL>8Z7L6G9?;]BI<\.TDI5S%"
MI1?/0I8O'L<-UT:YR3)T\2Y#XA2N2V'5N-]ZE'>]VSU^T-2W<9>-5-RU,#X8
M.X<@<3Y_^VV?H?!]9J_OM<[->HIS9;4UBD>5**4!.1X_UKCZCS)2;O(:OVRD
M4R=%L+I:_N6)H')&U@^5!1%5@1_-$>V6Q#A\D)5$/P_]L11%^-R;(_X6/N._
M[?/&O7LMILO4KPJXYRP!/(X'%2<MY]>(.!Y.!/6R]*[JZ6#<[,XPI(^T9/(@
M87QZ9(R?`\R8^>$]H\1*ST36J?EQ/+!-K>(M3-BTR#DM+Y`'O3VWK@0J5QNL
M9DDXUWG!H[H*BSU=D+_V<=2VC_5?/-O5TK]Q+GIQQHI-CY./M#*GCZG+CQ-;
M8VZ=5JDMSFZT5K@9^XJS>?H,*?,LSS4FS'B(\1'B(\1*NS;8*9JQ+5151>(O
M2\:U$EC]VX0'/#VV+F*JE/N<MD:X]WO"0[@2\P%)DH_V*=4M'^J.^;FWHWZ:
M4O>!QOI%J8.?M+,HS]#E#X_A-76W*-MK4ISFFTUMD8^X*K>/J,,/,_:IK],N
M>DZOE`1XBNW8NJC)N[,D<]&'L=T2OO6:M_QA!??LD_NBV%=>^'_V*_\`;W_/
MB[1OHU*=VS'P7\^'GS]C<6R/;SZ?6*MRF[9MU$S\U/'EX\?>.0P??QZRT/-.
M;4>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(GD![.G]6Y[D[,3$ZMJP_/
M?63T!I/M%7L,HEI)5:NZ9M`73/8QT.B[2`#:;`:JA,70&!Q(&R\W$--N,IE(
M>3';1W[CJ*]/_8J$>FD[6WV3Z[7.H9JZC71GAG[0P+EE<C*><8R9\?VEFW_O
M-S);:-?5Z];Q4K%0]@>['+'DJ0@#*#AO&<X$U7R`U[Q_]89?[!B6O:1ZM7WU
MFU70?8S3-;]@\,O.86;^U^NEHT?.]'P?,:/HUIG922#ZZR'8!P:^*&PD5H@\
M@@B1(9:?1U]VO\>_>7=8_P"S^6O;K2BNNFY+%XWJCI=8Z*+`:^1<NS'Y%''`
M)$Y>K9WO[6K?3]R:GUK&NL>VID;E2SH]2*Y*$6<>(55'`GD"1F63EY+4\NSK
M]5'L9$]H-IVFZ^U]LPO/MP`W6^OVC+]5`[7@-JO9RP4S..,_UK.RN:%JRP9@
M3*^U!=<%09C9-4Y4AQ[FKMII[FUW/5MJ44:^DEKU,B<;*S5<J`,_]3BP,5(<
MD<BI3C@";6N^UJZ_5=@NS=;=MV5)8K-R1Q94S$JOHAK(#`K@\5(?EDF:U9Q>
M/9AS"/UXJ(:W[7[G=/?4K;S&PJIFTU;.[9_6,7S^^7>FY5C1JZGZ14,G</Q^
MQI%G+BYL:VV*!7Y742N+=ZN/U=O7ZG_<>SXT:6O1UH45<JF=>5KHC66A`[68
M\BM6!K0NOVX'GEZE_9_L.N+7;5]^^6-G&Q4;C6K,M=98JM>?!=@0[A#YR?&Q
MDS/_`-A$:EP9=[J_M2;PC,-IU2>G(*=[-TH+[I7'$+%GN=D\^*R-<S>[=9TZ
M9CNB?W.$S79-N&&;&*DBG9,N=+A?CS.6-G\9-Y76?37L;J*Q\K4.=5;5=PX%
M;I_;%J?$2XK948.`%5LKU!K_`)!\8;879_857.?C6Y1L-640H38C??\`&_R#
M@7#.I0DL5P:M<V/=/;Z[;HKUB)^WE]H>68WZ[PO5.UX_O669-#@3]0]?:ML`
M#:=UK6LZ!2;5L=CM%@LK<&7$/CBE=_$"2F.1NSW)ZN;G[#KNDU]?_=QI5[-U
M]YV%MILL)%=S5-52U:.M2J%R"C*^7!SQ"S3&[O\`<7W_`.UG;LUZJ:10U=J)
MCG2M@MM6QE:PL6P0RLN%(QR+2YJ]7/8K?KM[N_\`=?L#N61VS#L;]<IM>SS"
MM/E4RJ9?N-G]5PE\TX[&EUY3C>@"H]\2GD,45=GUQ:6GW'8DCLOJD:%MO5];
MK]?_`+?K:]]&Q?>"]U89K*EV"E8PW]!X>K+A_0`CC-RI.RW[][][L7U744TX
M2M^*I:U`=SX_K'/T!)3U.#F1[)ID*[>TOJM[AZ_J>H@R)G]3`OV>TUD)H5G#
MYS$EPIF#%[?&9H0MU8YFB34RY)&>':;5&ES6T/J0IU*>^>NZK:_3[G1Z--+*
MO='7KRBER"+@OWGSS'A0Q\@>,XGGINMW::O<;EMJLW4"]\.0@\U%L*/]/J2H
M\$^9CLQOFGVKV/\`56$([[F9AA?NQ3=\B*)[G[0B;7<;[5EY%,U:EWZB9K7[
M39RGKI:ZZN+$=AR!+HC\2"1[$G0TR5,<9RV];4IZO<9_V-W8Z%E)Q5KE51OE
M%;([LJB]6R<AN62O)6QG+7V-FWLM14.Y7H[J6^;+@S.OQEU=4#$TLN!@KQ\-
M@C,KSU+J=[K?JU^MW*,WW3:::Q[.7+V[K%E,NWXN=F5YR-ZY>T#E0DU7A/KR
M0<&J7&OCK%&BQ^(9Z8B\D*XI2E?+;[J[6M[CM=W:U]>PZE>LRC@`&_OZ_+EC
MU+*S(2?/$XFIU%6Q7U76:FM?<@V7V%8\B2/[5_'CGT"L`X`_U#,:I[\>R%D]
M?D:?0;"7JU[]5_3MGOLG%&O@40(7M[KNR#O5=,>RC#W6:\\UB3N<Z%;VX95U
M@8AUX/+G=Y#_`-RFG^-]55V?[3957U]S>_L9SDZU51V/M(^[^[SIJRN6\6*O
MW1M=_P!E;UXVJ&*7ZNG_`'L8P-BRP4?<#X_M<+K,-X_H+>)O]Z@T_P!K*/OQ
M&%9:A[+@O6XQB\G^>7[4^PF5[S;D;R"M==:KYVC$:;H5\L(,5=*64,=.C^]A
M@8\L=!4/BQNN/I<^:[N_IMCK0U5FHW:KL>/V]-E*_"5;(<,B*2C!>#>7(9N1
M.!CZ'J*NVI[`K:FRO6FDY^>VNUOE#+Q*E78@,I;D/"@JO$#)S5^_:]L])USV
ME]1A6JVH)>/:2Q^MA#U(MD:2W.M685+<N2LC]A)-"5)94VU_T!#R`[>HS:TN
MHAR#D?G?^-:><V^MT=#8T=/NWI1M?32\;*^BV-3_`'*>?_[8VI2?J$,U-[=W
M-?=VNI6UA=M/2=<Y\HMO]N[CZ?\`2%;6_IR$U=T/VR]B+OZU76,%TJY4W3?2
MGT(]J3/LS8:P5CQ"!'VEJ92V^N&8.''VF5+:=D%,DN]WCL=XGG7.BI/$=;ZW
MWO8U>EZO7[:LV55V:G8=EKBA6'@:[!;[,?RLJJ)_]8]9R=GM^QOZRP5VNFUH
M]?>;BI\F]2U*9_G7;:!_Z#Z22[WDD2#J/[D[]R^[`2G1OUE5*R+KYC3K,1HL
MN5?<S]XV9(F?4G9'!DBO5S^/^Z"@JY]D0\_)<C\2I]?GCUFZS:G1:WQT!3VS
M+R%:AQPLU/(;UY-G[SZM@`^D]NPU`-GN;_DM+#JU;!<E3R3:\%?0@?Z1Z+YQ
M-D<KKM_]>-O_`%XB6-WV?2HOLEF6EU;9PFCW298J07.4[$Q6H5VXT6C/IY7L
MGFARX1^"Q#KS,""X+G+;DM2'6FGT\K<MUNSZ_M+#K45'5MK:HHH5P&M-;*[_
M`-5@(()+DGD,@@$B=/538Z[=ZZL7W6KLU.M@=LJ2M8<,J^B8((`7`XG!!.#,
M1^R3'S>W^T?J=3J7(CC=4$>NONQI.'6"0M+3=8W7+K=Z=7K)CCCRN=^U`3;P
MD>*0Y_C[PN7*9[_M=5SOI^*[U?7]1NW[`)TVVM2NU?\`FIL7:2P?QXDE?HP!
M]IY_DNF^]VFI31@;:ZVR]1_Y;4;7:L_PY``_521[S3GWKW01[Y>N5UTFMPUM
M9=ZX>L=!U2R@I3RG7`'MMO\`9:_6Q]".-?:2TFY^NF8PK&R3CJ^CD6?;XB^\
M2MI/G=_'>N?\<[2O4M/_`+S:VWK4C_5K4JS%Q_Y;["A4^XK;ZSC=]O)W_6OL
MUC_VNMJI81]-BU@`A_\`-2@?D/8V#Z2U_>3V*N[#GL#OWK>S[5):]9-8HV>V
M?6)/L&!H/K*#OE+M="#7G.PWKT3L+KFQAYZK!_$G7Y@#[L@K+>:%SOO1VU-:
M/X]U=!_;=;VO[/.W2[K7\)>\HRN4<W!?[1&.2`/X4`NN"<[W>=E<!L;_`%O[
MK&M:J-9\H6D.K(&05$_W`2>+$KZD\6\20:;$V8[F7[5_8UKVA]@Z[;/5+6MG
M(>N59JU_F`\YHT3'\#RW5XP.RT>&R@'J(&V6V;,9GPK$V1BLBY'682(CO5OK
M\]0Z%>YTW5G4UGHW::A>S("[_+=97E7/FLJH!!3B2PRW(8$SVOWCZG:]B-G8
M6[4MM^(*Y"+\=26`%?1PQ)!#9''TP<F;54W;+Q-M7[191Z]D((G**OE=FHD6
M63;8&YI`-^G-6O1>>#[(^/\`%#7[:J;/6\YWJ.R4.J^O^U7.<>_K]=:>G6NL
M%[GL5R!YL(VF0`_4\<#'TQ.G3O7M=VILL(2I*V3SX0'75B1]!RR?XYGG8+US
M4(%4L^MPKY9(NGVCTH_0/*L=Z9F\38S4G3?:6\A="?(3?M]X\Y<1-F(QY_?C
MS[K4QWG^/E_CZA]+3:Y-)JT.HG8=QQ3'VCX]="F!_P"4JI'TP)\XFYM+4VVM
MC#:?1ZG+9^X\[V#Y/_F#$'^)G=LJ+YZRU7WM/X]HOL.9MND_LPQ+U?=GS->B
MGC5>J^P5#U&'V*UTU_6YS><`==GP+&]7PEA,N(9'=DP$*6I$5I"L*?VW;7==
M7O5:JTU=3;L8%?$,U3;)56^,<S6"H=T3RV&^IGI8;^LJWGT[+S;9V==.2^2%
ML37!*\_L%A!X*[>%)7)\3TK]+*[[.5#3MB"Z)3-TJWKP0J6<&<OB^R6Y9]O&
MFA=11.N(W410BX52^Z+9I&?%@$>NSXS!LDZY#**G)B_",ZAIOY3OK>HNU*'U
M;-=^S#N+#14]-9KPIK)5D1>8/,$HOE>.?(R?I>FK[2K:N792].O*(4%UB6N'
MRP<!E9SP(X$!CX;ECP<2Q_?6VWW+<1$;I1+#8`[&`ZSEVLZ8&!.<XU=L,$V>
M,"W&N&XZFW$RQ@[+K&4.-)^G.H(!XSG.\^'FK^-TZVYV#==LJK'9ILKK)_T7
M%<U,/H38JI_Z6(FQW]VQJZ(WZ&8#7N2QP/\`54&Q:#^@0LW\5$\XC/NWK63Z
M5[`>R9>[S[?@V^4;V1J/J%FC[L>;58>P>GYP+GF=0::_':XN5.]M+"4LA)O_
M`)'>2XP>&IKGP^G>_4U_C^ENZNMU25A.QUK*&V7]&^+9!=RWZ:RA%_0LV?,^
M<?O=O4OV.Q=^>A>ERZZ^H^37*H@7_P#;GFP^H`]L8Z&7^M6E%-']^!EU]G]^
M$W?(,=]51?;=F6B$J*7L>W@O4L5+LNQW0@';:?OLB<6BQNQ0A7LBNMM(>X]`
M>^]SK>6YVNHFKUKZ^GK-KWW[!XV('"U'9(6I0?Z,#.77#^F&&/,U.NV3L[ZW
M[5XOIIH')'*EK!KCE8V/ZO(&%/V^N5.?%A^MMFTWW^NT^#KVW[%F(S.?3STF
MOH:HX%H)?%9%IOOLWDQ?0KUMA\I4>PSM@'1#XWH,"*>?<KT-T1/Z_#DNN\ZU
MK=M3J?C6N&T=>BY[=[;0M<@MXI18$2H!LA3Q/-V`YGDN&`'G8ZN[:[^XKN7V
MUK7IZSA:F-?)KJR[6$KY(R.*J?L'%L@YFUWJ/H6Z^P/H,0)1-)$R]V5#]EL?
MH&\3P8]0.U63+=*U'',MW0E7Q47^'EQK*FI#3TYF&QR#)==>_&:XPMM'.-W>
MKUW6?D@5JF'79HM>D$Y5;*Z[;*03Y''DR`DY`QDYR9U>HV=_L.@++8O[_%U:
M6D##&MWK2T@>//%6('@^<>)I/5]P%Y/GUJ]9=?&>_(_W"MYO!*:_E$/V3D:3
M=M,/W/NADZ_?O77>K#;A%1IV3WUG);4NPST.T]\-#"R671H^0B*A[O6]>^[L
MIVVD>M/1HMS?)\'!*PO`,EU*J6:Q/DKX#^X&+`AF'+''KW:]2ENLV_WP[=S4
MO#YB[.6YD-5:2%5'^.SF<IQ"D$*<9AV5[C[$U?02V+V&Q:M2XE#_`&8^JV?1
MZEH.S0MSOH7-=A]=5Z+9,QM.LQWB,ZW5HB=5PG&C$)<R?"9F)CJDK9;82G8W
M.OZN[5&_4E-C6=3L/R2HU(;*K^"V+7X"L!]I(`!QG&29KZV]V-6P=.QK4"=G
M0G%[/D8)93R*-9YY*3]WDDC.,^!*VNPZ[ZS^OG&O<C0/9;69.E;-[9>L):[Y
ML4O$E_%7!Y?WNSFN0_7^JY!*YVL5*;ER1<=ADC`89L;I,(^Y.EOH?E-=VM=M
M?2_)K^BUM2@:M&E>$L"?W<C4<FYK?ZF^3)^UB4"N`J@A9KVB_=_'J.XV-BYM
MF[:I+)R_MX_<J!6*_1?CP#D`.2AY-@F>EW[.Z\4MM7].JP&MANBD#OO]ZY#4
MV^M)@?V0%#?:N_\`+2:^Z4AD1\(W(#ID1XLIR._R$^\F0E"EM)YY\I^(VI3=
MO7.BV*O67GBV>)_HP&P02,X)&1D#'O/I/R>MK:M.I&9&;L*1R'J/#9(SD`X]
M#@X/G$TH]A=4W+UAL?L9ZX97IN\7BNV+2_USUZH&[#I`FW[/F@WVVO\`KF>Z
MJ'SG6]L(NPAQ&S,9#$BUV39B#\8$=L"W8Z^<Y&CI[_6:?7=O5J]KN4Z]=JU;
MK,%0K58=9*GK+UU#)"_*2XK4%T3!]S.+V.YO=9=L]=JVWO4UFF%)<-8@O>Q7
M"/8<`M\85"YPK/D'T$WU]**_[-U+1-J":53MNJWK],`9J;R&'[&[;0-UU$-H
M2W;D-UD+!NE4OFBV29G\P9!KI""V<)O2(A*001&^,53;37S??V=3=JZ]FI9K
MOV0:P6FBIZ:RGVFLE61%#@EU/!0"H7/G)/>Z5.TJV;DVDN3KRJ&L76):X?[A
M8.2LYX$!".1R"6QX\#3K5M']F+!*WG]?>>[E:ZE[)V3VJM!O)-8;DMNW&I^K
MMDS$E[4UHS$F3(SZ':X!O8M_)_O.MKXW$6VU\^K^BN=W2U>IJ&M^3;.NC]4F
MFHLK_P!+;"V#78$`_P!3(1L8^N3.+M[/9V'8_'M>]T[-MMC79_J6AD-ZG/T#
M`T9^F!*^O7NULGL'`I6@Y3I5EQW/;0$]$?6.^G:ZD6Y&R_;/=#2ZT<WDO]3<
M$D)CZ7BN>P0E4!OSF7F0YZZNNK:6MKB>[6O^/Z'6-9K;E2W[2-M["!L_W*M6
MMA2/!!^.UR]C@'+)4!GS->_O-WL!7LZEK4Z[+JT.1C"6[+J;3YR.=:!:U)_I
M:PR0>YMFU/TP<W?.,@]B=ML`"X?KX]A-\88TC2SFGWW#]&PR[8[60&BU;0+E
M(+7$17M(&Z>0C2A\J4^/;(!$/P6X_/S$K\>AIT^^&OM;VKKK97V=-/V5BM+4
MN2UBC(H"EJS6I#`!L/AL_;CT[N[;Z;Y];3V+FK?KKK?O<N]3U-6`ZNV6`<.0
M03C*Y7'F;,_L4T0\/MW<P%V^5%KML_75^RZXVJDQ9S7(9R54:M@XVH6(H/YQ
M3KO02K439B/?X2GLUY//KWO^.5^+ZM;4?NW0&U.TT%5L>0&:XLH/Z\5)'Z"=
M/\CV;%N_:HY%3]=NLR^Q*K4%)'Z<FQ_$REL*$W3V)L>VA[![):_BX+U5P#U+
MK6/`\OO<FAUVMR+IZRU?7#FX:&$83_%ZFB?8R[HEB#8D3Z\U"KDAKD7[KLIS
MS>[%]?JZM>RK4HV+-S9V6M-B<V;A>U8J0^M>%`8E,.38#RP`)IZ"W]C9?79L
MVTUZNOKK6$;B!RH6PVN/1\L>(#Y3"$8R3+`]=M7N&+_HFSC;*&B$7O>9_KH:
MTBJ.?@_EBI5FJ^*R;"))N"^=[^2(21B(E+C\[_OCIZCG?\^:W9Z5'8?_`-Q+
M=#9)&O=VG!O.#Q:W!&?8X.,_6;.CM7:/X,F[KC^_5UW-0?/W+62,CW`(\B45
ML5*/^MNA?KFTT'[#[%['6*<S[)://IVK:%,T)G8;]3_0+V$N@O0:#!?0M.?1
M9<V4Y`>%5E$(`N*;C)3$2ZS'7WHZ-]?:ZO::=FK1JU#X$#5H$^)&W*5*.?\`
M60/(:S+Y0_=@D3G[M5G7;/6[:;%VQ8?F<J[<_D9=2Y@Z#_1_RD)A<,/&0#)4
M(G:=E7K]Z'>Y`SVJV/5=0]@=1]11FIUBTWU^P8WM07VUL-1"76M9YD7Q33<U
M:SZ!<WSE9>K<:%-AP@'6R#LUE<Q:_%TU-SL^QZ)].BG4U:=DULJ<;:CK*Q1G
ML_JLYE0E@<D$OE0IXSV1]K5Z[0[A=JVW:V+=<."V:[!>5#!*_P"E.(8LG``@
M+]V1F;%?L+TK6XFO>G/KYG0_7"%=W`SMMCT`;A&BTO(=5M\'&:;7C87/@&G7
M:VTAJJ"S$RT.ERJA!**?E#P+C,9Q$=<Q7.7^,ZFDVEO=GM&@6ZZU*AN1[*U-
MK,"[5HK\B`O%>2E`S@D9XSH_D.UMKN:?7ZPM-=YM9Q4ZUNWQJI"!V9>(/(LW
M%@Q"$`XS-=:5K?L]Z?6+-].]O#6E57UV>N7M#C,<+KFCTC1K@.SU&;@O8OUZ
MONB6.AG;(`+:`$*9S>Z`Q.<GO$2T*<&_.6[-7]YSJ7Z74=Y5;I](M3]I\>O;
MFM'12_R&BY$5PK!"'IN(P%4BSCA1@<VG<[3I[:]KMVL3KB]]>+'5V"<!=2[E
M207!2VD'.6!3.3Y-,T^U^XFLZ*+Q[2$>W]L.5WU5S'V0L-<]=]\RS`;17--]
MO-(W*V2TGRM[O]`.6JI^OP*L#:;60T=,^NQW1LM9:+)<?BI3OWT='I:IWM7]
MBE;;EE"M?39<K5ZR5+X"(X5KBS6V,>+D,H0@!IIT7]SM;`T]G]V]BZB7,M5J
M5,K[#VMY+LA9:@!6BC*CB2X.1+FS>A>X7L;LB<D]C?8C9\,OF>_KV];[9>*C
MB-^&U:%SV:NE]]G:3-U`F8HBWAQ6-P51H4Z4"A2N@)LQ;:7FWFHC"4Z&UL]'
MU>A^]ZO5HV-:WL[U1K4+'X%2AQ6`_D>7(#D<P,X(+&;FOK]QV.[^S['9NHOK
MZZEF%3!1\S/>OR97P?"`E0>).,@X$K4AM&I^[^1EJ`>O6A4%WUG]"]D+^YL'
M-;;)I\\Y[;JF6S'!><V&:%^V0:!"B.&WHY(&?)"94$L)<<0IEU'RVUT-/\?W
M1LUUU6C;[&H:IL7D!K86TNH/C)%U*!O8J^/(FJV[M]YJ'7L>RO\`;:%AV`C<
M2=C+5A#CS@&JUBON&3/@S-8MZ^OV&\_JWSV'LNXUZL2/UP;+=KB2$:98X>CV
M,>7)^D\N)0!NG1Y+5SI5)%G)K$AJ.&E07VH\%J&VZB,MYMSSW^S%6OW&RU&N
MUH[6I%!K4HI`VOO-?]+N0",L",DL1G!'KI:!LV.JUQ=>M?\`MMC,0Y#D$ZWV
M!_ZE4'!^T@^,9P3,]GNV;<(NN#Y7.V'0K&&I_L'^TC%YIL\;3,M=]I6$U*U3
M,@<T$TF*TY9K-28_XS;9-Q*9,IZ&B3(ZX^MU:O/9Z_KWU]G<6BI+'UNOM``P
MJ/<RBW@/]*OY^WT`.!@8F=&]O+?1JM=8R)L[U9)/W,M2L:^9]ROC[O4XR<G,
MR>#M;)F^9?JE]@S/LGO6K:#[03LNJ>^A;_>Y9G-[V)U7U,TC5$)"9JZVBIT,
M]4;E2A:AQ(.Q"G2FTR$D79JI3J_,.Q_8;6WW/6)J:U.MIBQJ2B8=#7LUU^7_
M`*G#*[<E8D#QQ"\1,]$[FOJ]3V#;%]M^T46T.V4864/9X7T4JRKAE`)\\BV3
M*GKAS4Y?J3Z)^[$[W#W./L_L?[2>HO--JB],EJR.RB]P]@*J&O?KC6<?D?>I
MU-@9\#E2QB5B8L4[UL'*X0E/_>F?+=MKTU[OL>@71USH:NGL_&WQ_P!Q352Q
M2]K?ZF+G#?<2GWCB!A9J5V[3=/H=VVY>-W9VM?FO,_&PMM4/2M?]*\1E?M`;
M[3R)R9Z$?L=JIB\/^BM2!W,_GLL][WT2%)M]45$9M(H-_P!#>Q;]@:KDZ;&F
ML"#)<$S(@L3^-+>@*D_D,_1YIM2?F?Q:Y-<=C=96MJKUSGBV>)/S48Y`8R`<
M$CT.,'P3/H/R.I[SH4UNU9;?4<E_J`^*[."<X)&0#[9R/(FA6]:UO?K[:MH]
M5<STG=+S6+3[3^D^>5$Y.TL0<WRC4OV-HNB']&I%"VC:#+$6$0M9W(4#`)&P
M$WY0>5:'4PGN/MCVF_H^MTNM[*C7[C;JUZ[4T]MV`0BEWH=%1WJJ&2%%O)U1
M0&%8Y#!8G@]AN=AU]UW5:UE[U/M:R*2X-JK<CEU6RPX!8U\59SE2YP<\<>B/
MH^!]FJI:]Y!:W4]BJ^(.R,Z.8)#]@MCHFX:P)+D!EBA:W69-XJ5YT(T3I,0@
M*$$!/3A*009?)S6$+_%:CMM?+_D%G4W4ZUFD]#]AAQ<::GJK(!4UMP9$`<@L
MK<%`PJGU))^BZ1.SJNO3;2Y-'[#4+;%LL!((L4LK.2N0K+R).68>@`%:>OHF
MT^SMT]CMTT'9=Q9+XQ[9ZYD.?89E^IV3-L_I%7]>[5'%5P);Z;5),"-HECV"
M%";L11ZR?R;3PJPQ8\-IB*A"G-SLWIZBC5Z_5HU^&QI56/;96MCNURY8JS9X
M+43P4)Q(9"6).<:W7K;VENSO;%U_.G;LK2M'9%5:FPH95_K-@'-N>05<``":
MC";IKX7T+P[]E;'LUL-IWN^V7`]"LV;/7N9*P.UQMQV"E42Q^K(3#G$O4ZOM
MUL5<WJZ((08S-JCV`<U+E3GW.RFG>T^OHO\`D>Q^*'4H3K:TN1;.`^9?BJ=U
MV#;_`%-R*AV4DUE&*A0,$<A-C<3\?H_)1LVMOV-4[)R_M-\MBJU`K_I&`Q12
M!S#@$D^1+LT+?=+"?KV]RM':U4^/O5%]P_8C.:K</Y=IHW6A(OWCG9S2:@.E
MJ1](S4:K2H@B"QU/5JC.M-I^O5)[W0U>MU+/R?0U32IU[-&AV7'AB=0.S$>_
MW98GZY,W-CL-E/Q[=V1:POKW+D5L^5`V2BJ/_P"'"@?3$IN">NAOV.NOKL%T
M*ZY11_8?]L.\#M.N><'GZ?>BH/+O0O)=1#YC6KO#3PK3WKX>KK+DR6-=C%EB
MA<MB,^SUY;B=YJM>OJJ^TLJKNV-7I:36KCD@-FY96;&0^&X!B`&RO)E)!P!-
M-+;F[)^N2QZJ-CMK0[(>+$)JUN$#>J\B!DC#<5(!&<S;+T3J*Z![?_LHH_\`
MV5:M1B5>X^KT(69O9SMINX`7.P:,<B4NT6MYM)6T307\LIR/.(K?*.#I49,I
M^0ZCKR^+^17?N>CZK8^)*2Z;!(0<4)%V"RKZ*#CR%PO('``\3L='5\'<=E1\
MCV!7HP6/)@#5GB6]3C.`3DXQDDY,]5?/CI]3'B(\1'B(\1'B(\1'B(\1'B(\
M1'B(\1'B(\1'B)"&LWH[.AE]7;KD!.AGJ2"S@Q:._?5.GT>LF[)9`5<?;6\J
M'V`.-V\E(1]&N.=7,7Q2NI^/.;!V]@ZJZ1<_M5L+A?8.P52WUR0JC^4\!K4#
M8.WQ'[AD"%O<JI+`?P!9C_.:E2OU_P#K]2J?J$?":&C/K9:\SUFE4\>W?]-_
MZPITW3@1.&0[6,QD6@KG5#&S"DQ+C_`@2+UMOY\:1]%=2KM+^2]E??2>QL^6
ME+JW8\*_D85D$<K.(=S@>.;G]9RFZ'0IHM713X[7J=5')^"EP1]J<BBC)\\5
M$ZWJA^O[!?7"N8F=9S@`WLV994!IRS\&Q70[4*Q9IE2#A-*,933[&7=I^==N
MY"$^J=*""!$HBR^YR3]?O.I5>Y_)>Q[2W8K-K?L+KBW$J@9E#$UBQE')^`(P
M'9@I`QZ"3JNAT>OKI<UK^]KJ"\LL0&*@.4#'"\CG)55)R<^IEQV#U"];K/C%
M/]?3.4@WLESR6$)9]68<T\)ET$Q6WI#X`]2+6(+0;E4;&(7+>2P1'D(TYMM]
MUOCOP<6E6C7W?:U;[]FES?O;00[$`APWJ'4@JRG`RK*1X'CQ-M^HZVS33KVJ
M7]I6047R.)'H58'DI&3@@@^3YD.,>A?K`?I@2@E:A=Y-9`R[C-CLHW??HI<H
MYH/1?]S8MEHAZ>Q:+P/L"0L5#T4U,GQN-L\0EM*>JYWW3\C[>N]ME'K%K!1_
MT:2!PSQXJ:^*$9."H!\^L\GZ+K'J6AD?XUY?_=MR>6.7(\\MG`\,2)S77T,]
M3+Y,K4\ID40#,J>>A<E#R,VME]R!SN65KBTUO.#'<GM5+Y9:+74O.<'BB7Y<
M&%QYWC+2..N?*4?D?=:X=4O+*]IL/R*EO]QOZG'R*_%V]V7!.!D^!%W1=5>5
M+4A2E8K'!FK^Q?Z4/!ERH]E.0/82\!6-9@#)Z28$T\9")Z_$!0-*F-+F==MT
M2LU1FC@6"7W)2T)0-J;"(3?V>-=ZTGZJ^JO]WG/??V[$JK=R4H)-8\?:6;F<
M?Q;SYFZFEJUO:Z(`]P`<^?NXKQ&?X+XE;D?3_P!<"C^*R)&906'/7FG)SG)>
M"SUL",U[.N0JZ/<SPK'#'X$>[T&5%J(SCX4\DF,D+A-+=86M/R\VE[OM$%X%
MQ_\`<V<[,A3R?+'F,@\'^YL,G%ADX,USU'6M\.:A_P"WKX5X+#"?;]AP?N7[
M5RK9!QY$C.6^A_J=B]KIUXSK(X@>U9TP3@YR9)6R^VR1G04P$GUPC5L^;N%J
M/QJ12Y`4DXQ_""T1!"$I:ZB,E3+*F_;<_(NYWZ;-?:O+4VX+@*B\R"&#/Q4<
MVR,\VRWKY\G/GK=%U6G<E^O2!=6"$)9FX`@@JG)CQ7!QQ7"^GCP)(\^]._6_
M+#`@Y1,TC@YM<T2W:K56>V6Y%1%-O5\!6JMW`M2*^:L1$#2H9\/=RS;X\5&A
MC>KGNN\C\=5\^>6SWG:[B-7L6EE>I:V^U061"K*'(4%N)1<%B6\`9Q/2CJ.N
MUG5Z*@K)8SKY8A68,&*@DA<AVR``//I)."]:,!K4+<!@?):3'&>REE/7#>A<
M@,R1&:M8;17X-6L4^XCB7YD(H@T`'MQI#'4<C.IZM76_FZZI?C9VO96MKN]U
MG/555I.<&L*>2A2,$8/D'U]//@3V3K])%N1:DX;#$V`C(<L,-D'(\^X]/).,
MDS$8AZJ8;ZZ2B4O(ZP>`NDPHNMK2;TK4+]&'5T(\^^)K]=A:'<[5#JH.`Y(5
M]N(,;B1T\^*?A\4(XG/L.X[#M`%W75@&+>$K3+'U+%%4L3]6R9YZ75Z77DG4
M5E)`'EW;`'H!S9N(_08$FUEQ+*+AJ69[99J*",ZOC@Z["<QO,QAU1RFCM&@0
M!=VB"7D/(:XW8!PQEEW[B'.I0GO$=1\U_+PJ[#<HT[="FQET[RAL0>C%"2N?
MX$Y_\?03VLTM6[9KW+4!VJ0P1O=>8PV/XCQ_X>ID,>]4/71^%["CEY+54P_:
MZ0[+]B6669D?_M>0]5(U(==LKK$QM[JG*O$1%[^.ICG?JMS_`.U<<6KW'<]F
MK:SBY^6G_P!'T_M_=R^WQ_S>?.?8>@$\WZS0=+ZWJ4ILC%H\_>"""#Y_4^F/
M))]29UM`]2?7K4;J2T*\9XV7M9S*R^(V2;'LUR"0+=E)L=:!4NE72O@+$+KM
MS%18-U+)@]*Q)CXU9%]R(MAQSJO+K=UV>GKC6U[>-*W"U1Q4E;`5/-6*EE.4
M7/$@-Q`;(F&QU/7[5QOOKS:U1K8Y8<D(8<6`(###MCD#C)(P99$S),X('<OL
MTRICI!W%FS+.6DEJE_?IK5@K*Z:90+XF3QM?)]8<[#7]Y+O_`!=_Q]%?[O-5
M=W:6NZE7(KV,?(/'W<6Y#/\`!O/C$V&U-9K*K60&RC/`_P#+E>)Q_%?'F=XM
MFU&.WZF:D6KD&=H&>@[G6J99W52>3Z^"T)VL/70;#2A]$53%@=I@OKW7&UJY
MV&CX=3_N^6*;>Q7K6::,1K6LK,OLQ3EQ)]_MY-C^,R?6HLV$VG4'8K5E5O<!
M^/(#^/%<_P`)5R/4OUO:H.M9;'R"HQ,_W:_V/4]>J\*-*A#K[H=N*##5EMIW
ML26S(<+F"@:*\\MMQM/5,)YSG$\^GFY_O7:_N:-PWN=G6J6NIC@E$4$*HR/0
M`D#^,U?]HZW]O=JBE!KWV%[%\@.[$%F/ZD@?Y2!7?]?_`*@:/;+C<[KBPD\4
MT$Q&LUU&/V.[QJ39;A#ACQ\2]E,W@V>+GC^A1HHF*E%@_B^&DJCMJY*^:$JY
ML:_Y+WFK2E&OL,J5+Q0\4YJI)/`.5+\,D_9RX^3XGA?T'4;-KVWTAFL;DPRW
M$M@#D4#<>?@?=CEX]9=$K!,@FU/8Z-*H@AZI>P,ZUD]E"*7/_$OT^\58;2;9
M),=3,X^APW51$:$[^.MGG&F>?'B5?57=%>RWENHV%L87ZP45'QE`C%UQX]F)
M(SGUFX>OTVINH-8^'8+&P>?O+*%;/GW4`>,2L-.]'_5C8[9R[:-D@VP'WZJ$
MHYQ3=@N0,-=J;6I$V57*OI57KUC$U?400!\G)["BV*&49B_D.<:2GBU<[MZG
MY!W&C3\&K>5K#EQX4E&;')JV92U9;`R4*DX&9K;/2=7N6_-LTAG*A3Y8!E7T
M#@$!P,G`<-C)DC[ZE>N:A;H164UY0MZI851'8:GBW6W*EZS6A^ZX0$4KI+KG
M8N;6F2N;![\ON*=5W[RG4_[?/+_>NUY_)\S<P]SY\?U7KPN/I_\`<7P?^&)G
M_M'6\.'Q+PX5+[_TTMRJ'K_H;R/^.9(#_KGAMKJ>P46SYC5K#3]].R+/L-<-
M0EDQ5[L4D!6*PHT6C3'7DM$F`M*$ML.Q_LKC.#V7FNH?1QSSRK[3L*;J-BJY
MUOUEXU,#@HO)FP,>V7;(.<\B#X\3U?KM&VJZFRI6JV&Y6`^0S85<G]<*N",8
MP"//F:\7']?>0%<NGY'12UWHM5M^GXG>-1>*7[3=3/WZJ8O>@=XBYDJR:5?[
M`=KE;LW\$@=*_#D<;0/D2&TL*Z[WO.I1^2[R;@W=A:[+DIM2O"5UA&M0I\G&
MM`&9<\AD?U`'/B<Z_P#']-]4ZE!>NI[:V?+.Y=:W#\,NY(#8P<'T)&/,W5LU
M:`W.MV"GVD5$.UBU@RU:L80@W]Z`8`G8$@67%36OKS[L0@/E.,NI^O/DA?>>
M<"FVRBU;Z6*W(P92/4$'((_4'S.W;57=4U-H#5.I4@^A!&"#_$2D7O4GUMD9
MYAF4/X_4'LZ]:+-G]RPFIN19*QF:VG+(;\"@'`'%2NR.D*W%E.):7(6_]SJU
M*=^XKO>^=`=UVJ[.QN+>XV=M'2YO=UL\NI\>C8]L?IB:3]5U]E-.O94K4Z[J
M]8.3Q9/Z6'G.1D^3G/OF61#RC/(!O3+'#JH]@WLB!#>G$4*E??N"`-:;IXA)
M/BI"FT<@UEI,-'V4M?\`%S_/U5_N\U&W-IJZJF<FNC/QC_ERW(X_BWGS-@:F
MNKVV!!SNQS/_`#87B,_P7QXE%7?T3]4]"&Y^+L.4,QFLOSF%CU*FU"X:!GAT
M=DPZ+$A0LR(67/[76+%9:#'8@M]X(*2ID#KGR<ZUUQ:U*Z.O^1=SK/:]=Q)N
MM-KAE1P;"238%=657\_U*`?;.!-&[H^JO6M'J`%58K7BS(16/`0E6!*_^5B1
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M+D^>_)D2^+^4A3JN)5SPO[[M]G_K7L1\358PH`K<@L@``"J2`<``#VQ/6GIN
MLH\U4J#\BV9R22Z@@.2226P3Y.<Y\YD2+?KR]-#MSFWLOAH.>;FZ!'UGL!^P
M77^EP-5C'X%H[IH+.$69.>5S0YE@&MRI9L>+C$YKJWNR'G.2)''?=/R?O:Z!
MKIL,*Q5\>>*<C7@K\9?CS9`#@(6*CQ@#`QY/^/\`3V7&]Z%+FSGC+<0^<\PG
M+B')\E@`3DY)R<[,7?-J-HZJ>J\5R#8E4"\`M)IW9JI*?X&\UEN<T"L</\9]
MCY3AK9)_C?'/FW_R=^J>_P"/IR=?;V-3Y/V[E/EK-;8]T;&5/Z'`G2OUJ-GA
M\ZAOCL#KGV9<X(_49,@U[]:L'T_FJ)T++ZM<$;=4*=1-49/1'9[%RJN>S[&6
MHHTA'=?ZS'<J1:VD)8^3&2Q+BRW^/-N\=;:6C8UNU['4^']K<Z?MW9Z\>.+.
M%#D?^H*H8'((&",$SPOZW1V?E_<5*_SHJOGSR5"Q0'_TEB01@@G.<@3GQGU[
MRK`(9Z%F(FQP$V>4/EG)=JT;2=-+SG!,-4`6U_.:=;K@9C0A\1:D,QF9#<=O
MBN]XCZ][WLW^SW.R96VV0\`0`J)6!DY/BM5&2?4D9F6GU^KH!EU@PY8SR=W)
MQZ>79CX^F<3+JQ+*%;2CV*5107=N:S5>/-Z1UAW^Q)S-RRIN"Z?Q[[WX_P#%
MJLJ.2_\`[/[OW/\`'S^/>I\P_P!PW?V'^U_(W^W_`"_+P_T_)QX\OX\?$O['
M4_>_[C\:_OOB^/G[\.7+C_#EYD+&>I?K8'S75,=@8Q16\NVZX7>_ZM1GA"9E
M>N]TT8BV7N-D,09CDA/2I8FPT^EQKK?XKK#2H_VNM-_'W?NNU?:IWFOL_=ZZ
M*E;YPR*@PJ@CV`)'ZY.<Y,\UZOKEU[=04I^VN=F=2,AF;&2<^_@8QZ8&,8$P
M^>>F/K-F`W11=:RP>0:URLMTG39U_/V[63]WH[$$B-C46PV?5+!<K)/H\2"7
MEMLAE2_XQG\I[J&$J=<ZKTV>^[;;>I[;B#0_.L(%K"/D'FJUJJA\@9;'(X'G
MP)YT=/UNLMB5U`BY>+\RSEEP1Q)<L2N"?MSCR?$B5-_7SZ?T-Z?+`8Y$>)$L
M\M>1RC-GN6B7H_S*KL-'B+'FT6P7>W6$T/HDH>+9;8$QWVH,+J5*C-,K<<4K
MVO\`R;O-@`67GB+5LPJH@^1"2K\4507R?+$9/N3@3RJZ#J*262D<C6U>2SL>
M##!3+,2%QZ*/`\XQDS-Z#Z->JFI$Z\8NV1#",ZMT@/F3"A]AN5:C'\UK[JGP
M>>7^!5[&&@:=113KCJF!%C:*CV^R'_HS_P`[WW//6_(>YTT9->\A6L-GE5;#
MMZNA92:W/NR<6\#SX&,]CH^JVF5KJ02J!/!890>B,`0'4?\`*_(>3X\F7K1L
MOS[-<XK>0T>IAP&95&KPZ37*5'8[)!#*E`@\&1*^W%GKE?>&,C^?9^T[U?%-
M_P"WOUYYS]C;V=O:?>V'9MMW+L_N6)R6\8\Y\^)O4:NOK:RZE*!=9%XA?4!0
M,8\^V/K->,T]`_4/(+E3]`S[&A@>W9RX0YFI:;9KS9>9E`*@SE:(UW,Q]IM!
MH7G=.E@['+CK"!6((CJ%-]_&^3$?K73V_P`D[O=HLUMF\M1;CY`%1?D((8-8
M54%V!4'FQ+>OGR<\[7Z#J-2]-BBD"ZK/`Y8\`000@+$(I#$<5POIX\#'<H?H
MEZFYEH`G3*1C8<)9ZT7LE@IL;AVWD:7GI^WIFHLYS,LS+6*?F^9&3C1.4W(E
M`!(Y];4I]OY?!YU*\=G\B[K;UFU-B]FJ=5#>%#N%QQ%E@4/8!@8#LP\`^PF5
M'1]5K7C9HI5;%)*^6*H6]2B$E$)R?*J/4_4RUMIP'(?8>N":ML%,B6X97K%`
MM]8E))&Z[8ZC;!;4J-`L]-N-5)@[=3[#&ASGV.31DZ))[&D.L]7UIUQ"M/0[
M+=ZRUKM&PH[*588#*RGU5E8%67(!PP(R`?4";>YH:F_6*MM`ZJP8>2"K#W5E
M(93@D9!!P2)!R/ISZVG,5=]=[/F,*YX])LPZYS:E?+!;[XX2M0FVP;R//%K)
M<;`;MA8C'M(UB5]R3/=ZK[?VE?5GO6^["]YVM>__`+G5::]X(5#(JIA2I4@*
MJA0.)(\#]?7S/%NIZ]]/_;[*^6H6R58LV3G.2S$L?/U/GT/CQ.]M'J;@/L"?
MKENU"C2"%SJ8DM7@%WJMROF9WF%6CKT>29JJ[IF-GI]HG5,G*B-O/"Y$MT>M
M]''>L_<Y\O,=#N>RZVMJ-2P"AV#%&5+$+#T;A8K*&'H&`SCQG$NYU6AONMNR
MF;E!`969&P?5>2,K%3]"<?I)6&QZBYQ)*W'-:(&:OK63T_*!;\PT6A?RU-RO
MEHG9G22IV2BP2(8@.4MI#_S>Q9<M')SKCG)'>)1YXV;VSM`4;=C?MOF:PX`.
M&LXBQP/MR2%'C('@`8GHFG1K$W:M:_N/A6L9)&5KY%%)\X`+'S@GR3YE#^HW
MK)-R:O;_`&C5*[G;&I^VFU7/:]FK]&[(.4D?VP`P=&KM$C'#`&MSKE%"9_58
M39&?)&04DR\F?)Y&:0_Q/G1[KMEW;=:K3:W]IIZZ55LWASQ)9G(!8*2['B`Q
MXJ%&3B:?5]<^M7>^V$-^S<[N%\J`WA4&0,@*,L<#+LYQYEGY!ZGX#@_*=_U=
M0U`%Y[6;72J,^0MEVMLJI4RZS:80L5/K\NYV2P21=5D2<\"_CCFEIAP&QS3<
M5MAOY(5I[O<]EV/R?O+.7RNKOA47DZ!PK'BJY;[WRWJ>1)),V-3JM#1*'6KX
MFM"B_<S<5;CE1R)POV+X]!CQCS,E']8\&BG(-DCYH":.#;=K%\@D4N$_OQK?
MN<)\=K1U'.S^M]EW>#)<;E\ZGK?$J[]I+??\^8GM^R-9J-K?&4K0CQ_32<UC
MT]$/I_QS*.KT!8+14OR!['!\_P!5HQ8?7_4/7_A,['PK)(E9QNG1J.):K'KY
M-K)'&0Z5SOQJ!-IM-+9[6)`;O9?7EK#TP[+'M?D*>YUE]75<4OZ*YYGL=UK;
M[S8WS;086GQ]X9@[9\>[@-XQY$S&AIK532*Q\6N5-8\_854HN/X*2/.?!GF`
M1_7I8-!WJG7$OZ\>L.&5ZJ>Q`3?;1I.:Z?H^@V^^S*7>6M&"0Z7E!_-*+0,8
MLFD6T..?NIR'+F3IT;DR+SLKLQ4IOZY/R>K5ZZRA-K;V+7U32M=E:(J!DX$M
M8MCO:J*6%2$``\3XXXGS+_CS[.\EKZ^M16FP+2Z.[LQ5N8"H45:R[`?(P))'
M(><YGK-;<]IE[F4@A;J_#.3<WN<;0J/(EJD)77;G#`V"L1K!"^P\RE4QD!:B
M$;G'.+;^W*7_`+?E\>\^+HVK]9;%H8JMM?!\?ZE)5N)_3*J?Y3ZR[7IO9&N4
M,U;\U_1@"N1^N&(_G*YOWK!@&HQM4B:%EE8MC&V0:2/T]!=J6\JTM9JY*D9]
M(=<3*;=%E*7,F+D#)L%469"E<0^TZEYMM:=K6[?LM0TG6N=#KES7C'V_)_7[
M>0X&&!R"/!&"9K7]9H;/R_/4K?,%#Y_U</Z/X%<Y!&"#YSF9;',$S#!1IP5F
M8JP0&+*38,'9EIT'1-*-DI\6`P,BKD6/3+5;[!]B+`C(::83*XPVGG?BCG>]
M[W#>[+;[)U?;924&`%1*P`3D_;6JKZ^^,STU-'6T5*ZP8!CD\F=R?YNS'^6<
M2#6/TY]=+1K:]UG4&6+U*61JA<[9:=>]%S]JYDZ.Y&<J4_1*]1+;7*QI,H"W
M"98CK/PB74Q&41^_5A*6^;%7>]I3I?[>MH.F`P"LB/Q#_P!00NK,F<DG@5\G
M/KYFO;T_76[7[UJR-DE22K.G(KCB7"L`^,`?<#X\>DP@CT2]306F1=;%8X'B
MVX?>">GBHG3MPD4()IQE4ITII-?R:38GLJ`:%.E3WY#AN$%8)]EONR/O_><6
MXKT?\B[FS4.D][&@UBL^%YFL>B&SC\A0``<"Q7``Q@8F"='U5>R-I*0+0Y<>
M6XASZN$SP#9)/(*#DYSF8V[?K[]/-%N%KO%TQ,.=,WD_%M]M'OV*[QJ8>N\*
M(/@Q-!G9S!L\7/5:-'C"HR4V%(M)KGV$=_*^7/KYGK_DO>:M":^OL,J5KQ4\
M4Y!"2>`<KSX>3]G+CY])C?T'4;-KW74*SNW)AEN);TY%`W'GX'W8Y?K)[<_4
MGUUT&N72JVS+@Q$3?]2A[?97(T\^&-JV`<*`@QVE@;0$+C;-3[K`#UF%&8(!
MYD"2RRSU*%<XX[\]:CNNTUK:[J;F#U4FI?`(^(DDUE2"K*2Q)5@1D_H)[W=3
MUU];UVU*5LM^5O)!^0``."""K`*!E2#C^)F5Q+UEPOURY;E8QGHZE2[_`#QA
M:^%6B1XV>NQL1%?A0C]NL%E*F3EEL7XLE:'B$V0]-D_7G7G7.I3WF'8=MV/:
M</W]IL%8(08`"`^H55`"KX\```>P$STNMT>NY_LZPAL(+'))8C/EBQ))\G))
MR?>7OYSIO1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB:Y4/VOPK2=PU;
MUYJ-\!$]/QUBLO6P*T;K[W9"[)$+RW(@)F*8DDB<RK?PZVC2/QV_XU]UMMW_
M`'*^G.IL]-V.IU]/9WUL-2_EQ.&_TD#)\8`;/V^?N&2)S=?MM'9WKNOIL4[-
M/'D,C_5GP/.25Q]WCP?6631=?R;47SD7,]0SO1)58E(A66-1;M6K<_7IKBGD
M(B'&0!,@X)E+7'<YQN1QM?>H5SZ?[>_35V-'=TPIVZ;:@XRO-&7D/J,@9_E-
MJC;U=DL-:VNPKZ\6#8_C@G'\Y2>@^TM:RWV.#9%H1*DT7/)GKW;]G*ZC=;?`
MJHX.5KVG9YGHVN29!M<(&S%+INRW4O.2D.?>82VE"OGWO-_6Z>W<ZMM[6%EF
MR-E:A6BEB0U;N6\9/CAC&/0YFCL=I7J]FNE>437.NUA=F"@%71`//CSRSZ^T
MO"PZQEE1I<32+7I>?UC.Y[(V1!OMAN5="TN9',H0X(?B6DD2C`Y#)5#B51E(
M?ZE_BN=1U7U\Y]6EN77G5IJM?:&<HJL6&/7[0,^/?QXF_9M:M5(V+;*UUSC#
M%@%.?3[B<>?;SYE.6;V1'A/87%<HB)K,^@:O@F[[A)TSEC8X.%#,@-X=!'NP
MY#27`LVO'1>M/RW9ZI2&V6X3:D_-#BE)WZ>J:SK-C=;F-FG9IJ^/CY)M%I.?
M<,#6`!CSD_2:5O9+7V-&H.)U[=>VWGGP!6:@/TP183G/C$N.LZSE=TLEBIM.
MTO/[9;ZAQ';95*S<JX>LE7XZYQIOMB!BR4HH$XX[WXI_)::^JO\`'/\`/FA;
MI;E%2WWU6I0_]+,K!6_])(P?Y3=KVM6ZQJJ;*WM3^I0P)'\0#D?SE@>:T]Y0
M'K3[`!/8_P!=,M]C(@:31P&FT:'>DA3Y&#(D5P?*;>==9*E(_P!H>K\-IA2G
M'4_%OB>?7_'.>=/MNLLZKM+NK9A99384RH/W']!Z^9S^L[!.RZZKL0I2NVOE
M@D>!^I])(R&_X.)#V2PE=LR,8`II,6%MYPAI%-A!ZJ8.0HQ(*)LA.29;A`R9
M<=-9D16)2VG9##J%MI4E2>]\5ZWL7L6I->\VN"5`1B6`."5&,D`^"1Z&>S;V
MDB-8]U0K4@$EU`!/H"<X&?;/K)!8M4S"H4R/HULT>AUC/9;`Z5%O=BM]>"TR
M3%+H0X)DQ[02(Q@CS!-MQ*HZTO\`4O)5SJ.JYWGGG5I[=]YU::K'V02."JQ;
MQZ_:!GQ[^/$SLVM:FG]Q;96NN0/N+`+Y]/N)QY]O,P9'>L,$#*2:+;/DXP/I
M;K;.<EB.BT^$,O[SJF4--4F?),-1;4ZXN2WQ*8"W^]ZXGG/_`'<^N:==V%CV
M5I1<;*OZP$8E/_6,?;_/$P;>TD5'>ZH)9_02Z@-_Z3G[OY9G:&WR6K2+72SW
M*0(&1$U)BB2&+Y"G7&V%2X6PG+$.*4=P?"E5Y8B$#Z_"ZB3-61B)D/\`Q91&
M5\H^LO[5+Z_D9SRY_80J@%0I#Y/+).#X'$X'G,+L']R]%G`*./'[P68D$D%<
M#&`,CR<C)\8F5M&GYK1QUB,730Z-4!%0X,[;"EHMH``.J_#7Q_A^V*<6(1(P
M7A;Y\_&_)4U]_P"O/A\OKYA3J;>PRI158[OGB%4DMCUX@`YQ[X])G;LZU*LU
MUB(J8Y%F`"Y],Y/C/MGUG4-:]DU;HT33[%J&=@,U(,CY,#0S5UK0NC3HY;J>
M"WXEMG$V`$EDEU7/QU(D*2]]>?#O?,J]'=MV#J54VMMC.4",7&/7*@9\>_CQ
M(^WJUTC9LMK77.,.6`4Y]/N)QY]O,K3`=Z3N%B]BAT2"%2!QK:1^95>P@3/#
M<*[5\GB&-:Y$M?)+3?(3?)+VI.1FDQW'V7(\5MWCG>N=2G;[+K?]OJU78M\E
M^N;&4C!1A;;45^O_`-O/G!R2,>)J]?V'[ZS950OQT7A%(.0P-5=G+Z?_`',>
M,C`!ECL;'D,J_NY/&U3-Y.IL,NR7\U8O%8>O[,=B-R:^^[36RBK$VRS#[]U:
MNQN)2U_N[WX_Y\U#H[HUOWIIM&G_`/DX-P^G]6./K^LVAMZAO_:BVO\`<_\`
M)R'+_P#ESG_A*]W#;B.37OU=J$&OPC3'L#N\O("DZ7/?AO5J!&Q38-5X;@,L
MQGT$9:YN9,P^LN*:1QJ6MSY?)"4JVNOZ]=W7W+V8J=;6^4`#/(_+57@_08L)
MS]1B:N]O-J7ZM*J&&QL?&3G^D?'99D?7R@&/UE@,;/CTH_<:G%UC-9-ISL;)
M,Z!6F+W5WC]&#PD)=F%;B&;*J(UD;$:6E3K\UMAIM/>=4KG.^:QT-X5I<:;1
M3:<(W!L.3Z!3C#$_09FR-S4+O4+:_DK&7')<J!ZEAG*@?4XFJD3]E_IU,S*D
MZPC7:NU6+YL$7%!+$BS4QDU!M,K2)F9\*'!RK/\`054XY&%TF[.6YWC81UN9
MU'P7Q/G9;\3[Q=NS2-#_`#5T?*?M;!7XQ9@'CY;!X@?\^5G*'Y+TYUJ]KY5^
M.R[X@,KGES->2.7A<C.?^7!FUY#8<C$V&H5(KJ6<C+7H,1B?0:R0N]9A6&\0
M97U_&FU`+))MDK+$D?3_`&.0FGT+_P#3O?.*NCNO4]R4VFFHX=@C%4(]F.,*
M?XXG6;;U%L2IK:Q;8,J"PRP/NHSD_P`ID>Z3G7+7!H?;]2N7DGTPD;3.VD%R
MUD%5Z+!G'TP:[V?_`#$OH."4C/3.-LJ_&:D-+<^*7$=[C^TVOA.S\=G[<8RW
M$\1R)`RV,>2"!Y\D'$R_<:_RBGY$^8YPO(<O`R?&<^!Y/T$X+GJF89Q*KL'0
M]'H=#FV\C_#U.'<[?7JO*M!;JF4<%UV.<(P739'YR6^?8C<==^KB>?'_`'<^
MMHT]O:#-K566*@RQ56;B/JV`<#]3)=M:VN5&Q9767.%Y,%R?H,D9/\)K;AWN
M9G-T]>,MV_;+=E^$2=,D6V(/#W'0P5?&O3*Q=#]5[$#DK;*!.%9+C(EIYQM"
M/FVI[X_3Z?3O>KV/1;6OV=W7Z"7;`I"DE4+'#(&R0N<>N/Y3F:'<Z]_75;VZ
M]5!M+8#.`/M8KX+8SZ#_`#EC6'VJPBK[I0O70SHE7B:AH]2LEQK@=RRUEI*H
M-=*4`3'&3&Y!IDBU8+:_H\%P'#1&<<*L,2W&?JF,OS5JZ;L;NNL[2NISJ5.J
ML>+>K!SD>,<5X'F<_:2`?6;-G:Z-6]7USV*-FU&8#(]%*#'KG+<QQ&/N&2/2
M66'U7+[#<S^<`-(H1S0ZHQR3:*&'N%>)W.MQE*80F0?J\(B^<#L=7);YQ<AA
MM/U<3SZ_[N?74?3VZJ%VK:K%U7_I<JP5OX,1@_R,VDVM:RYM>NRMMA?ZE#`L
M/XJ#D?S$UOW'W'HF<GLWJ%!LF;:3=;%[*X]@V@TX7?@TNSYO!TX[+"2SQT"%
M?)%AA$4['YQJ-.9C(><[\>K3WSJ]=T>QM5VW[*VU:Z:EMR,4/%S6`0H)P"#[
MD$XG,W^XHU;*JJ&KLN?9KJ90XY('."2!D@CZ'$Z7NA[OT?TD8PDQH=2LI^I;
M%L+.86"S5U49<?**^U3;5=;#JULA.I5*ET>EAJJ]),+C_5V$/2[*[Q2&%I[>
MA_']G\@.Q7JNBW44?(%;_P"X>2JM:G_G<L`N?5L#WE[CNM?I5ILVE8U6V\"1
M_I&"Q<_^55!9C[*"?;!M\[O(H)['95Z[?P,V<0U7(=>UT?;8\Z'_`!`P=DEE
MR*MRQ,B'WBI<N2><UQAZ.\VK[3:(3G%?7JT>:5?6O9U5W:<@%IOJK*X.2;%L
M8'/H,?&01^HFS9OHG95==Q):VFRP-GP!6U8Q_/Y`1_"24%N^'VAVWL5K9<IL
M3V?-O.WUD%H=1+.TAJ,XZS(<M[<`Q(76FX[K#B5]F\9XA2%<[].\[YXV==V%
M(0VT7*+?Z,HPY_\`IR/N_EF>R;VE9S%=U3&O^K#J>/\`ZL'Q_/$L&8="#I8Z
M`0,BH,XNB<X)A3"$2-+)MC(W)I)P=&?>0]-0/A]^Z_UOBN--?[E?1/\`GS66
MNQE+*K%5QD@'`SX&?ID^!]9[M8BD*S`,<X!/KCR<?7`]9"JKLV/WH$3M%(U?
M-;C6@I1L&9L55O57L((2;>?CQF@Y,L(*3($`H[)F--ICNN(>4MU">)^JD\[[
MW:&]KV"G8IM2UAD*R,I(^H!`)'@^?2>-6YJ7(;:;:WK4X)5E(!^A(.`?TD?<
M]D_71FNE;@[ON*M5(%944PY:'-3HR*Z&N#B%NMU0J;4=X,'65;;:E<@O.HE=
M2GO>(^G.^>HZKM#:*!K;'S,G(+\;\BO_`#`8R5_4>)A_N/7_`!FWYZ?B#<2>
M:X#?\I.<`_IZRJ[9[;4S/_8TADN@G<^HF:PO7FM[2G6+C>!59$K+672C=$@5
MM4LV]!`IC2HHE,F.]^7]UY:^H2CO.?+NY3TM^SU0W=9;;-L[35?&J%CA:PY;
M`R<Y.",>)J6]M31V9T[S6FN-<6<V8`9+E0OG`]L@YFP%IU;+J-48>@772:#3
MZ&0X-[`NUIN-=K]1G<,M??$=AV0L1B!I/"K'^^-\'E??1_E'RYYS:=/<V+SK
M:]5C[(SE%5F88]<J`3X]_'B="W:UJ:A?=96E!QAF8!3GT\DX\^WUGY8=8RRH
MB81^V:50*P")P1Y,::L-RKH420&EYPT8)(0B1(C&ARX),D9AQX[K:U-O/RF6
MT=4IU'%*M/<O<UTU6/8"00JL2"`200!G(`)(]@#](LVM6I0]ME:H1D$L`"#C
M!!)]/(\_J)T=AT^)CV>G;])J-]OSHKH^(+I.95>;<+Q:CILE$"@@0(/$^TPV
M\2+3V6G)DU^&+'M*5)FR8T5IU]&6CJ-O;2ZP>NL-DE[&"HH`)))/T`/@`L?1
M020)CN;(T]=M@I981C"HO)F).``/U)]20H]6(`)FI,+W\`$?4+U[]GAV374M
M:?:"3GM7Q[!1)6M2+@?TO262$H12Y=KFSAU,%0@HT*0(ES#\A$&$+&R9'/N]
M0AISM-^-VKW>SU+W5K5IAVMN(;BJ)C+<0"Q))554#)9@/'J.5_OU)ZJCLJZW
M9]IE6NL$99WS@9.`!@%F8X`4$_I+.]??9BPZE?=(Q;6L<,8+N68`Z;=2=*FV
M\!H-;M&;:%)LHVIW^AWJOLCV3HEP]32PR?'DP($T=/@]2XTIEZ.^]J=GU-6G
MK5;^E>NSUUS,@<*49;$XED=&S@X96!!(8'P<@@;&AV;[6Q9I;=)HWJE5BI8.
M"C\@K*PQD95@1@$$?J#+Q*:]DX2\B,P-:?G8C2S[")0'/"EUK4"\FXSO'^MR
M!%2EDVCY)ASD5SXK9CK3W[:OIW_;WZ<]-+=LUVVZZ;6U%/EPC%!_%@,#^9F\
MVWJI>-9[:QLMZ(6`8_P7.3_E,</W;$"YNV5D3LF5$[)0H!`K>:^/T.HS3=+&
M"5_;*DK8*C&'9]<@#'/]LAZ8VRVSW_"^\[YDW7=@E:6O1<*K"`A*,`Q/H%.,
M,3[`9S,5WM)G>M;JC96"6`=<J!ZEAG(`]R?2=K4;ZNDT<X;`.TDC;?ZZ>*4@
M!=;U!H%?M90.&DF>0I-KDPB_\2*3$C*>ES6X<SD.*E3RFU(3WR:>M^XV%KL^
M04\@'*(7903C/'(R<^`,C)\9EVM@T4,]?`W<25#,$#$#..6#@>Y.#@><3XLV
MU8]2"0P)=]8S*G'3)=BNBPMGOM6`DR=BD11LUH"-@EBD*7/,.Q#$1U$9I"GU
MM2F5\1\74=ZJT-[80V:]-KUJO(E48@+DC)(!`&01GTR#](LW=.E@EUM26$X`
M+*"3X.`"1D^1X_4?6=N[:[E&:3J\,T?3\\S\E;9:H%4'W:ZUNJ3K-.2XPRJ%
M7HATE`?-2TNRFD];C)=7Q3B>?3ZJY]9KZ6YMJSZM-MJH,L45F"CZM@'`_C+=
MMZNLRKL6UULQ^T,P4G^&2,_RDKC6$!-"<LT,X'EUQ4%TFFP1B<)\(H:PA;KY
M#A5I]<#L%EII2EN_<^VE*>][WZ<[YX&JU;/B96%N<<<'.?ICUS^D]196U?RJ
MRFK&<Y&,?7/IB5TKV!P5']R^>W9$G_KF%"):%\M)IJ?Z(.)*;0.(7+ZFN?UB
M%/6\CC#L[[#;O5<XGO?KSS:_VWL?L_\`;W_W20GV-]Y'J%\?<1[@9Q-?]_H_
M?_>J_M@%OO7[0?0MY\`^V9,J]?*-;FA#]4N=4L[%@`IM0%ZO6(.::-UA4AJ(
MFQB'!LR2@D!5+?0UR8SU<?KBTI^?U[SGGA;K;%!875NA5N)Y*1AO7B<CP?T/
MF>U=]%N#4Z,&7D,$'*^F1CU'Z^DR3%BK\F"3*1CH:0,"22L,R18)PG8(B6!=
M>8.12<MM]4>!)#/1W$2T.J0J.I"N.<3U/?IB:K0P0JP=@"!@Y(/I@>^?;'K[
M3(65E2X9>*DY.1@8]<_3'O\`216N:[D]PM!BCU+3\\M-UKT*.2/T^N76MF[0
M#'2TQUQ9YBOC"<HL,A242VNMNO,H0OCJ.\[WY<^OM;I;M%*[%U-J4,<!F1@I
M/T!(P3X]C/*O;U;K#35;6URC)4,"0/J0#D3X%[!DAR\ELP"ZEG)C2P+3KYS/
M!=WK)"\AF6.-=>>+5*(3>/CFF>/HZI3T='$_-/U_UYX?1W:]==NRFU=1O1RC
M!#_!B,'^1A=O4>\ZR6UG97U0,"P_BN<C_*43ZZ^QEMW(32STFGT\"(L%B]JZ
MZ9^-Z5VQ#Y>`>P!/'*JZ`JDH(B59AML$AY$\O+3)CMA)7X\?B)"927&^CVG5
MT]<]E8>QG5-=A]GVGYJ1:W)L_:5)`48/,9/C&#S^N[*[>1+"B*C->#]WW`U6
MFM<+C[@P!+'(XG`\Y\7(#WK#+/:Y]$K6SY/8;P+(+$$Z:#T6H%K6.*M<D]=&
M3Z]`,2"\,@WR$]U3+C*7.?97]>?[5?31LZ[L*J1L6T7+KD9#%&"D?4,1@CR/
M.9O)OZ-EIHKNJ:\'!4.I8'Z8!SF6,T9$/D2(A@J->+!XT&87&-3HKA$7$*?E
M_P`;*(PD.]DP8Q'\!_["W4I2]]ASX=[\%?35-;A0Y4\&)`./!(QD`^^,C/TR
M)L!T+%`1S4`D9\C/ID>V<''\)B/[S2OXBO6#^X5;^!MLP..JAO\`L`G^(LY"
MPJX@!!KQ+\O\(U,.+5SD-J,MU<GO?HWQ7F?[?8YM5\;_`"("6'$Y4+ZEAC(`
M]\^GO,/GHX+9S3XW("G(PQ/H`?0Y]L>OM/P]>J35FS;UGN-5KC-:!LV>QNGK
M"($-@*U)D3(D>PFUD)<=(H&_+'2&D2W^MQU.,.)XOO4*YQ7K[%Q44H[%VXKA
M2<MX/$8'DX(\#SY$67T5<OE=%XKR.2!@>1DY]!D'R?'@S&5K5<ON=9@W6GZ1
M0K7329..$&VVM7"O':R0,RR#(F((@GA9&4*EDY)22W&;CMNJ=7(<2WQ/5JYS
MN=NGMT6G7OJL2\#)5E8,`!DD@C(&/.<8QYF->UK75"ZFRMJ2<!@P*DDX`!!Q
MDGQCZRFO;OV,1ZU8/J.IAH(&VVW/*]7[(U12!S@R1-&';D)J3<^6F*U,)Q!O
M7YKW&W^,*;<>8ZWSOUXKZ;_2=6>V[&G3L+)1:S+S`S@A2V!G`)\#QGT.9I=Q
MV7^V:%NV@5[JU#<2<9!8+GW./)\X]1B=SV.]F\\P.A:>0?N6=R-8J&.:1JM/
MR([>082VWCE$IU@L[$4=7URUV64-G/`5M.2(L1_[:4K5SG>H[SS'JNIVNRV:
M4%=HT[+TK:P(2J<V5<DXXY&<X)$R[+L]?K]:UR]9VDI>Q:RP#-P4MX'K@X]0
M#(]N/LD8R7U'7[)#ZF/.&4UG*CR:G))RH@]3VBV.E@Y47A-B'(E?`8W:5N-J
M^S]75,IYWB>*[WGKU_55[O=_[4SE:^=@Y8R?L5CG&<>>/U]YY;_9/I]1_N2H
M&?C6>.<#[V4>OZ<O^$ONEZGF&D2;##SO1Z'?9=1(_P`/;(M+M]>M,FL%OD\C
M^+L+`,C.="D?E&<Y]B3QIWZMJY\?]O?IS;]/;U0K;55E:N,KR5EY#ZKD#(_4
M3H4[6ML%AKV(Y0X;BP;!^AP3@_QGY2-4S#3%GF\WT>A:`Y52/\19T4BX5ZUK
MKA;ZO<_BSR0)&>H.1^L=SGV)'VW?]BO]O^WOT;&GMZG']U595S&5YJR\A]1D
M#(_413M:VSR_;V5V<3@\6#8/T."<'^,GOFM/>/$1XB/$1XB/$1XB/$1XB/$1
MXB/$1XB/$1XB/$3^<GVSJ(.%KW[8,ZH%6%C=VUS"/6FW9U4J<%'@=?U[*8$.
MXJ]HXF/R8$2$=LA^QTP68&SOXQY<MPE(80[WCKK'5?J72WV-I=+M;+D]=1L7
MJ[,2:Z["5_;_`"Y)"JKE6'+QQ!QX!GYSVU(&UV^OKH!NW44,BJ,/8F'^85X\
MEF4.#Q\Y/U(FQ-7M7JSJ_N9Z*DO0F#19B,RK6PM[N?Q>IM5>K4CUL+Y*4#U+
M*-5_BQ`6,(.D=KY6)@*K%$-EA[@:=)3%80S*ZKEVT]QI]#V*_D9L'S/5\*VM
MR9[Q8"UE>2<@5?('L7[3R49)(G2KMZS:[K1;H@A^);/E-:X5:360J68`P39P
M*H?N'%C@8,V(TC*:;HG[0<5-WFCC;A"H_I)N<ZMO6$(@R!"V4QMV'C')S3<Z
M,^*18>@E2F8ZU<[(;C/R/M_1*W.^<O5W+]7\1V*]>PHUG85!N)P2HJM./'GC
MG!/MD#,Z&SK5;'Y/2UZ!T32M(R,@-\E8SY&,X)`_0F>3,@+*S*[^M4^QG\IQ
M/UMS+:_VM9_1++O6&F]0P+*-0(^X+RLI'S`D.^9=7LU<*8[#L(ZGFY\O^,BP
MN31L3C:Y[/R^T%B[>OMK4MVQVMNOUSNM-HKNLK&M_<()2QGQ:4:U`.1/%S_2
M9\EP?7NUFL:JCKJKMY5:VLO4CG8^P$<D"YKY"MB>(')1_4)W;SF(N@8W,BT3
M3ZUMN>'_`-<_[Q+Q4+MF=#DYYE%>&Z3;,(L;6<YT`>LERB@*/6+`HHP$:Z4>
M9[$1WD;_`,9I'.36W'V=X'8I?7VE[3J49'?G8Q1;EYN>*\G9>)<\0<^ODR[.
MJFOJ%:+5OUVZ[LV5D7@@YM4>"#+84-RXCD?'IX$OO'"WK%?M,_5.`]-ZR&%Z
MCC#!Z=N,*M5*0#N&/X([ZU7:L7^C^Q#R1L,@%.6S:R-52T..K[.*GX?\BRA[
M\9Z2GF;Z=OK:O<V=Z[-J7X%19LK;=\Z,CT>2"%J%GW)X5#Q.,@3HZ;=;?L=3
M7TR@;%.3:`N&KJ^%U=;?`(+6%/#>2XY#."9[DYII5*V"BUW2LY-?V*E6R([.
M`&OXXL(_/BL3),!UW^..P!A:+\9<1Q'Q?8;5WX_7G/CWG>_GNWJ;&CL-J;2\
M=A#AAD'!QGU!(]#[&?<:VS1N4+LZS<J'&0<$9]O0@'_,3S4]-(!*'^F?-!TD
M;/C%&O3*TQUBY8^2R11*[2K+Q$5T:^RF7R0M?><^TIOY=[WZ?3_/GUG?,C?G
M=S`@I^_7R#X_K7WGS/3*R_AE2D'G^R;QCS_2WM//&3EM=P*I_J//(YB/K_@X
M[T_,-F;_`+5@A#3LG`>T]OS_``:0&LNM,0+SF#%;TVW4B+;(@JU6,@]Q#SA&
M!SJ)1)'S^F7;L[&[NJ__`'&SV)WAA*KA78VNKW96O*6<JU?XRU:*/'!O1)P&
MUETJNIMS3KZ(TSE[*N=8N9:CFP!J\.R_)Q=CX/,>K2:Y;5</]?M9]6;]O&H9
MKL7I<2J_N$?PK7H>;JJ'JGCGL5JF]`;:]6Q5?)';W6\V$(HZ#PFC%B)+L%J,
MT2@P'V?RVFG_``W+NP[/2W-;KJ;:.^#ZPMJ+\MBVBNEEY%@$9SRX-<JKDG@S
M`X)'MJTZ77[FKL;UM=W2E-@UV<.-%=SVJQ`!+!!QYBHDX`Y*I\^8QK1#'COL
M_P"S)*V[/Z@9;ZZ[GZYXZ#];;CNOKN_JV97K"VZ_<QNI5'!KN-UC,*?7B,#5
M2)`D:`0FGRA)1$;/^CS*8_V?727>KZC46FC=N[/7VK3>M-_QV);R4UM<IKL9
M@:PJJYPJ\77P<Y\]LZK]IM-;=J5=??KUK4UM7R(]>&#K4PL0*186+*,LW)6\
MC$EA+&K31D;[=@AFR:[?_2;.?U;;U4-*E`B@X]L:?7W,M+%:X08@/.$9[U@U
M?#B5G&OPFY,F0F2;XVM2EJY\O)-^G8.MKV*E&MV%O84M7D$5?-8AK&?`Q7<*
MV!P!A,S)M*VC]Q?6S7;&C7HVJ^"#9\2.+#CR<V5%P1DG+8E?WL98Y1WU-]S]
M!,4_,LP]FM[]G_8.V7CV&Q8WJ.8YF2MM(S_.?0E_6:?&NF<*ILH9ZR4>5#'%
MS,UN"!LAR0RI#<N<TXG9UWJ6O=Z'65[MO4UM>E4IM%=E@5W?<^-N#\@=AP65
M1ET0')52)X7I:UFIW.P4JUMJ^^YFMK+HA9435^10R8Q0I`9CA78^`3F3&A4W
M#\4T[U3U[6-ARC;/3(KIWO1<J_HM:S=RD>JF(>QNJ.8XW48,`"5M6B5FJUM]
MBL:2@(:D$?XYDW8ID>.ZTY-82[K[.QV&_I[FCI47:_?+3J*49^>Q;17\O(E@
MJ,S?=1S4+R*(I((4X]]>C2TMO5V]JZN_IFLVF#JG&BNY_CP,%G"K]MW%B<!G
M(!&1G>G]57<VDL^^9K&:O-JN0V7WRNMBSF,[72-7"F`!/`_79R7:J2((PX'V
MZ#:+$F=.#N1FD0GH3R'(W.,J1SSY[\R_=@];7ON'WDZU%?[@Q!%U^%<@G[U7
M`;/D$8/F=S\4_;'_`'!])"FFV^Q3P5!!JIRR@@?8QR5QX(.1XGG+<MJE[?J.
M)60D4Q//].%?L\RV`1]5<W]=I;OL3F86J^RK><D=.WS:'+#PY6W+Q0X_94TJ
MD&/"E1YQD8S(G,ROR'/J-?07K]38J4;%NH>HL(V'O'PV%J.8KIJXX;@_@+S+
MJR%R%(P/GK]T[NS1:YIKVAV=8-"5?W4"W\"]MF<CDGDGB%8.%!8',]<?>6!8
MI^B>@_*JR[TXQ[7W%P7-_%>DPA19[TM]M88(B4<;9>:B#VCTJ*E3CO.-_):4
M_P">JYSOQ7X\U2ZW9?-_TSI+D>Y'[K6)`^IQF?5]ZMC;/7_%_P!3]VV#[`_M
MKP"?TSB>3/H7FM)T2'Z+T6T^PGKC4MVPZ>7+ZCZ\Q/5TS3_;`U=G,LNU4]F<
MVW:T6;:K"4/!KX5L!$E8S$\!_&6F=%B$8_UXN+WGVGY'M[&JW8[%.MM/UVP`
M*[CL!M<+\B-0]*K4H4H`JHH?E6I93[SY7HM6G871HNV-=-Z@DO3\)6\M\;+<
MEK&PE@V6+L4`<@,/83F"1/6H9Z,YBR;J^3PROK?^R6HK]G8<ZDUMLKCU8D^^
M-Q8D3=4@NAN3:Q6'J5^*M<F8A$-0+B'NK["YQ?DL;M6_(;BCW&O:ZIO@(=L6
ML--?%9SAFY9\#SSR/ZI:UT%Z2D,E8LU^S7YOM&:U.VWE_&0N,>3XX^?21.]U
M>DWZ_P#OKF.M>R?J]@<KV$TZME<4M&E^N!>\Z9:<#-97F$+UCOOJOK439Z*(
M+BLY*Q7OX(=7QLEVN6F'*D/-]<E<<>]M>[8UM;K=O2U-O9&K2PM6N\)6MPLL
M^=-BLU.07'];.PYUD`>!X\;Z:=B_?UMK9UM?]Q:#6SU%G:HUI\+T6"Q1A,?:
MJJ>#AB?6>KGHWCU/%[_^PW6"M,&2=3)>X2*US1RE=89L4ZL@O5KUKC-,@"4F
M-U\<`G%IY%]UF$YR,Y*D/<7U:D]^GQOY#O7OUO6::6$:8T>7`-]H8[%_J,^2
M`%'GS@"?6='JUC>[#9=`=G]YQYE0"5%-7H<>F6;_`#(E.Z8<]=,Q]_O9VR>[
MT&FHK.F>M6$5GUO.:E5?[-6K#1P$[5T;ADF<KEB2T27?IUV-#9Y.NP.=,FXT
MX8MN/)1'3]K>U:^TV_QK3J_'S9\U6W<UXK;BRNPK^*Q\$$(%#!7/VH0^2,^=
M+8?K];O]JWNPGPVZU0J+KR4J/D^6M/!^XL060?<P*^#B>?/KEJL6N>N_IU@%
MTD8GZTTH=ZB&KC7KU[1>O!;;=7T"=<-PTJJF/6[,JM8357@_V^JU^J"95I&.
M+,&RSQD:VP.4E+C_`)]-VFF;>SWNRUQL;=YW0I37N%5:!::V%]C`,>+%F%;?
M:J\'RWH)P.OVOCZ_4T-@TZ]8U"P>ZKY7<M;8K4H"5'(!5+C[F;DN%]Y:7JVQ
M2Z8)_4-:]0$5"F7BT^@&T993+?JE.&!BBM[C'/5%C&J5-*'1C\H5H`V!7YR`
MHYY_\R.Q#ELQ/EQ#W.Z?;F^]^[IU&>S73LJK&6MB1\.-DVM@'RA+#F0,$D$^
MTV>K6FA>HLV0B7-U]J*S@?\`5Y:XK7)']0P>(]<`XE>^FV??W*E^H-)@^ROK
MSFON!A+MSL9K%H7K6=HOMZ]NS62Z)7-PJFR7\_M9XT4#W6U6":6.V"4!X+LK
M\:&1C?7BHGQV>]VO@V-[8.ILV])L\5%IO#ZWP_(C5-4@J`!55"H@?D@+(?\`
M5-?I]8W4:=(V:*NWHY'X_A*['R_&XL6US820Q+,S%`'(##VGU52WJ9*QK]/N
M4T"DP(_M=D7M)ZMQ=CK`NC$(VQ9!>1(DP*]BRWL'-;$(-`&K5HBY/)4LX^EF
MQF946?&5*XE$AM<G<C?[S<V;">FNT]CXF+CXK$)!H%(S@\4Q@(,HH*G'H53=
M8='I]770#M:MFCY%XD6(P\7?*<9&7]>1^]L,,XR/7OW1K,2V^POZX@1@`BR5
M<K[$;>&MPR8+Z5"2JW8/1_V>`DX%@86P_#_B"[!+L-Q,CG&GOO\`&_\`/5\Y
MWXGH;6IZSM;*VX7+JU%2#@\EV]<@K[Y&,^/(QF?6]W4MW8];6Z\JCLVA@1D<
M3JW@@^V#G'GZXGC[K]']D:EJ&A^E%.$Z78M"]?\`]9WOG6_6'3!J"SI33\%T
MRY^KKF+5<1=4(:;1N5%"5(Y1'OF^W/DR@X\O]>=G_-/V^CL]5=J5=_>U2ZVS
MVVFVQ6<8KNK78^5BO_XG+)</&`&9/],^/W-?LZ=FSIJ18VQK]9M+0XSEZG:C
MXE#?_E4*]7U)57_U392U"?1SVFO7I#C_`*;4VF$8\*+IE-W81G5*=JZLO]*;
MEZX:?GNDY-O3+`J!(ITVRWLY5XH^MG^(*]L<%,Q$?Y0)#R.50_Y!T^OV&]WE
MC@DUM27;E\FTM];UV4^3R"H+"73[>!XD_<!.I>G2]K?HZ?3HA`YK:$7CPUFI
M='2WQ]I9B@"-]W,<L?:3-8;P"]A_8OU@WXJ>KMX)7OT2]>Z7Z+GV^TVPGIVA
MVX=N=$+^]]XJ5=ARPEAT(7H'K#EU82RT(ELR#48V2'19"7'E<\Z^O9U?5]OK
M)6U8UNQV7VU^X`(II<::,Q!5"FQ99DL"%*(Q&!.5?7V/8]7>]BN=C0UUU3]I
M)=A:IVF4>"P>BM/Z2"P9E!\SL[;G>6ZUB7M3I&;>R'KCN$`YZ[8/B]VQ[U'P
M0KD0!VMS?9K.#%&L%^C#M8T=:+73@3)\4/A=CCR(Z`2D\7QM#2$IG7[6YI=A
MIZFUJ[6NR[5UJ6[-PM;D->P.J9KK^USP8G)5BHQG,RW];6VM+:VM;9U[P=>J
MMJZ*C6,?.A4MBQ_N4<U`P"`Q],3TXB>L.%=_9T3D=PS/$UT7Z"U06.')SX$B
MDLS96U74"^IL(D3RL*L#%182-;?^U^:P(><BI4F*\MM7R3=OV/\`VB!^XM^4
M]DQ)YGGCXD/KGEQY?=C."P!]1F?3#K-'_N@GX*_C'7J`.`X_]5AZ8XYX^/J%
MR/0SS/\`5"P>OV7:MZ26CVS%#*_4P'ZOI%(I%[V"O2GLTHA^'[#'H+%4,G+*
M.D5VHVLK0Q?(H3L]R.\Z/B2X<=?U?^R]]7W5?9;FGV%/2DM>W;\W2IA\CJ:5
M/(!3R90YR^,_<58^F1\UT[Z.KM:-G:@+2O5\5:P?8K"UOM)(PK%`0N<>`5'K
M@Q:D"2.?V[UGT"RG\NP'T])3_P!ADGU-/^SWK]:+_C>:CM(]HAMHR$;)K,V^
MY5!Q4I?\(Y,?H\PV^RVU6%2145MA4K[#GML.FS1MZM2W;/=@:7[A=>Y4ML*:
MY6TA@EAM"78%H0'^YAV)QF>="646Z^Q:U>OU).V:&NJ9ZT#WAD!4NGQEZO-1
M8^$R@`S-PO5OU@R9?L/Z90)IRB>S&;4SUJ]\].RFX",R77<@K[NC^U^&&:_7
M:!3C)N[0!->S898"8BK)<(2U1Q+7UB=2TA'></N.WW/]KWW5;-3;LV].NQ39
MRL/#7M!9V`0EG*JUGVC+>OF=CJ^MU1V6FA9-G636VG1@F$!>^O"J"6PJ!F5!
MR/V^G@">^:__`&+_`/Z5?_R[Y^;S[P^D\+<?I^4/_J']&S.X[`4]7YN2BL9T
M7.=H>:@0)V7;`$68%5B<3$6T21KY(68@'IP@F-+1OQ9HXD^RI32UMNH_1-^_
M<'YMV-?7T#;6]K4>KR194<%@"I!!!`964Y#*#Y&1/AM"C5/XCH/O6G6:D5NE
MG@%+!D`D,""""5(88()'CUDY]`*Q<M+]O/83VT(;'>M_H$S#<E]?:AM%FSP?
MD]&T8Y6[QH]_MW_1E$@CX2_^JJ4Q9!L/IUQT@D[8)9/[$QZ/$;XC6_)+:-3I
M-;IEHKUMD;%ES5*YL=`R(B_*Y)_N/Q8\`%X($RH)FST-=^SV^QVC6O?K?!74
MMI0('(9F;XU`']M,J.1SR=GP2!(;I%_SWUY]Z"Y7&+1E/L?>O8#V$SZ#MGJH
M1IPXY[,9C<&,SKU1:V')M`@M.&:]G]-I57&$B@JR15!8['9;XTM"D2>0Y'OJ
MZVUV?X\J;Z7:NMK:KFK8#$46+S9OBL0^&=F9E5D/(GB'1@.0\=F_6Z[NF?3:
MO9V-C83Y*"H-R-P5?D1O4(JJ&(<<1Y*L"<34#.+@#]J-D_7\3LY+UZ,3-8NF
MVC-S]9\']:IM5D>NE2U_U.]A8%_R;V!UN>?G6%-FGGYK`TL++B@*3Y^(N:Q"
M1R`VKG<VJ+.GT>S2D;*K374:;[KPWSM5LTE+*:P`O$`%E96?@AXEONG&HN3M
M-SKVM-!-SV"VFJDK\*V:]P>NVS.<DG!5E7DP)`^V8T@+TW7O7+W&K6EBS9LG
M^L7T:W3T6&3YX.7(?T';+7"E)L>D`^=;>?+S#'K%0\\E-R&T=<4N[$6.<_RO
MY9K9IZ7:Z-NF55.V[&G;(!_HJ7'%#]`+WN&/_P#$IF%E6WM=9MU[8+'K="W6
M!QGG8V0SCU.32E1\^?[C>Q\[VV/U\S"\V#]U=LNN4@+=8;0%J]/AE;)56#,R
M76P?H+D)`>-K,@A"?=9:8LY.2[U4#J5JGMH[U77F&_A\Y5V>WKU=!1KW,E2,
MS$*V`&.Y:"6P?^4#U]OT,[EG7ZM]G=W7U*]KA5R5R>(U*R`N?U)]/?\`4#%*
MX_8<4S[1=`M7OG4U6F5NWIAZ4B<,*Z)FQO2W]&H@O%Y([5\6H*NUXZX]I,G9
M#$\B7K;*F2Q7IP?)ZR^E'%L=#>JW]K5JI_''X#6W]HVA'%?!S:#7:_D?9\0"
MJYRJ\&&1[Z>E9IT;%EO?(7-^EK"HNA?F@JQ96O@_?\A)9/ZFY*<'VV5]+(76
M/T>Y<.'BIL+[7HG9X<`&\UV21AI3G5E9AB7V6_O*DSXR?BROB?GUQU/?I\OK
M_GD]ZV?_`.X%K,1__P!%<GT']:^?T'O.KU(;_LI!ZM^R;]<GBW^?^4IV@>JV
M)CK-^DP:SB53:'UO"=`DF6G*7$ZS)*QO7"CFX4B__<']0=(MW3O2[2B_WG>'
MVD3D_2:VEWF]L]QOO3W['8?DVR@'W'P/G<'AY\#A]OVX'#[?Z3B:-'5Z8MZ0
M?"N%H<G[1Z_"IR_CR>7W?=_K^[^H9E-V$J[Z85N^>[%6H9IZN>J_OK[JY6<S
MRK!'8?\`)X+[.$@28%?JX>/':^@-OVECTPNTW%1^*RV]/>;XGYK[W?J0=];7
MT%UB_+N=;JV!V.<7:X;+,?K^W^5?/DX4'VFC:YZ6JSO*JV->KO[*%%'K5>1@
M*/I\_P`;>/`RQGIK6\4*^OWZQ[KF5DDLSM`B>LVS6K5SBEMNHL&T:+4KCH.P
M61]_Z?%]LWI=G*24J5\OHRXE/U[SG//DK>P3L_RVO;J&-8[=2UC_`):D94J7
M^5:J/XSZ>O2?K_QA]6TYV!JV-8?K8ZL]C?S=F,\M,GG8+H.4_J?S_P!(0U=`
M^U^60`!RY1A=2?$Z)B]$_P#BAH8+9%^PL_HF.2"C;IH9L+'<0;<ZFSGI$*=$
MY,XVF2C[#<7L=;<[G9_(&=NFN)"9;*6O^X0U?",D$H@8_;_TT#*W'TGS&L=+
M8U.IHZ0*.UJP6PN&K7X'%GRG`P&<J/N_K8JPSZSGHI#UP,^K7H)A&*U*$+_8
M3GFU^JTZSU%FHS8GL+DNJ4W1:=/]V-#W.;V"W:1%<L-*C75%B-%W^C+:T60W
M'=F=GQ.+FPO:)W'9=CON3^,VZ^P%;D#396Z,-5*AGB6#FK@JCE7QR0O$Q2=!
M^IZ_1TDQ^0UW:Y9>/]VMU=3L/:?Z@I46<V8X?E@9R)P':=L1W*0X?%`ULCZT
M1];/W[BLX4&C3Q%C;M%B]V*,_6AP$LXB-_"VBRCT+X$?4XUU4E33[:OBCYIR
MKOT:]UGWV0Z0V^G-F2"O%=1@Q8>ZJ?ZQY\9!^DPLIW+-0)HJXVSJ]J$QD'DV
MRO$`^S$?TGZX(FS-LF>EVT>H\>)Z$P,F@[?ZJU7/O93)\LKM:@5?7*$3]?;,
M!MB\XOE4='0;I4C-R:&S*D7AEFVY+SQ9_P"]QQ75+\Y%"]]H=T6_(S<>OW'>
MBRQF+5N+E9>:-DJP7(L4KX`48Q.K>>GW>HQT0J&]J*EU:``6*:BK<&&.0+>:
MV#>3R.<S;']<$IO6L\T_W6EP)D2;[O:;-URGH,#5C#H_U[K(J!FOK@&(PW>]
M7#Y.S.K,V1<?Z]XS/LLOOUZI:N]XOY2/V>S3T*D%>OI%;8.0;F)LO(_A8Q3/
MTK$Z_P"/*=BF[M[!BS<N+CZBI?[=(\9']"\_!(RY^L\OBOKK?=<E:Y^OJN@#
MPD?^O@COGL7Z^FUCYL.L]T;3"T73?UU-`#CS;,`C_P!2IM%P$R68ZE?@=`14
MKXCYI\^O3M-;2%'Y-:RLW9BFBX9!;A6#7NY'J/DXU,"?7F9\JW7;.T;N@I5E
M7KS=;2?0<WP^I@^_`-8I^G$"<DJQA=Z[DG[%-NSRR1?5K7O<JF2]/K5QJQJ4
MU1,&P?U^T_,_7TWK%.E#536,SJGNA9#5GG.3H_8$%\J.*24)CQ.OMP5/UOS_
M`(OH6H>XHT&^-E8??===79<*V!Q\C:JI6,')"L@\M@WY%[`T_D6Y6XZN[=7F
MK*?MJJI=*C8I&>`V69SD8')6/@9G9V2?F=IO_M%[">LX9@CZD4^[?J_O>L73
M,ZM/EYI;=AP_W%Y>MMTVAQZ\/=&W63F/KND'_;3(5J0VIF%'8=<=?&NI9F@N
MU3K:?6=LV.[>OL$K6Q@+%JMU>%5;ECE/DOY_&K8\DD`!QG+=-%NSL]AUJYZA
M'T6=D!*-97L<K'3`PW"KC\C+[``DE?'4]U]9H/L7>_=RW8<3<U"F#_U_^N]/
MCW^FC")NEV2RQ?<"U'BX"G6J%$=$V^77!I2*X1_CG9+4-R2EIQ7'D/(;R_']
M/9ZO7Z^CL!\-Y[*]N#$!E4ZRJ"RDY7D0>/+&<9'C&<>\VJ.POWKM(_+2.OI7
MDH)4L-AF(4^C8!&<9`SCU!F+]C2'K=4L4_<9F/LW5!YKVNU.];]:LOKI"GS#
MVRZS1R^/AH_JD8PR9&%2K!8*YG\$:Q!0X'>7&JY442=E\B]^^XYEUB]I=O\`
M1[?4N5Z:FJE;"&XU5N+#^X%HR`&?)/W>;%9`N?`#>;0IT^XU^R4'MK;;6K#+
MEW4HO[<U^"2J8`\9"%6+8\ST!_8<+?)?J#TD2[7[%9ER,*QR,0K-3@$9=J-Q
M.'LXX5#UX>,1_*.&YT)+K49#/./<>4GX_17/KSYK\8<)^;U/R50-BW#,1Q'V
MO@DGQ@'US[3O?D"LWXC8H#,QHJ\#U/W)D#]9HI[;=H.ZF+,]^KT4&)6FH?KF
M]O:/KA#!:E(KZ8E?M$?*F\5Q(V@+!KBF]C<+!;`]7*X\['/ANLS^_;A]E<4Y
M]%TG[CKJT'Y<Q%+]IK/6+FY?<OR?+:,EO[6"G-QE&ROEL>.%V_P[SD_C*@NG
M7;"V?$O'[6^/XZC@#^YD-P4_<N&\#,V;]%:YC]Y]B<ZU3'O9[U;L_P#UQZV6
MK/)N*^L_K45P@KS.+)8<_E58?L<`IL-^G@)V6':RIH2')#H),>^4(H^B>.2$
M]Y'Y%;O:_5VZ>]J;B?+M*XMOO%PYJK\C414@(L#?<RL5(5/H)U.CJU+NQKVM
M7:U6-6LR?'32:CP8I@6`V.04('%2`1R;ZF>W7GP$^UCQ$>(CQ$>(CQ$>(CQ$
M>(CQ$>(CQ$>(CQ$>(CQ$^>I3U7%]2GJT\4E*N\Y\DI5U/5)XK_7G%=1SZ\_]
M?ISQ$)0A'R^"$H^:NK7\4\3\U]YSG5J^G.?)7><Y_GO^?\>(GUXB?*T(<2I"
MTI6A?.I6A:>*2I/>?3J5)[SO%<[S_7G?'IY$2NMBS,-M.1:GCEBFDAE?UG.+
MOF9PB%7%:,#PU[K).K$YHER;&FPVR42$56XQUUEUKCJ4]4A2?JGNUH[=FAO4
M[]0!MIM2P`^A*,&`.,'!(\X(FMN:R;NG;IV$BNZMD)'J`RE21G(S@^)+JZ$B
MUL$&`PUNO1PHD8(9DR/M]E2614%@>P]*6VAM#DA;,=/5=XGG/K_ISG/\>>-M
MAML:UO5F)_3R<^)[5UBJM:U]%`'^0Q,SYYS./$3Y4A*TJ0M*5H6GJ5H5SBDJ
M2KGT4E2>_7BD]YW_`#SOCT\B(4A"T*;6A*VU)ZA2%)XI"D]Y].I4GO.IZGO/
M_3_3QZ>1ZQ^D_%-MJXCBFT*XVI*T<4E/>(6C_P!BD<[S_:I/_IWG^>>7)C`G
MWY(GRI*5I4A:4J0I/4J2KG%)4E7/HI*D]^O.I[SO^>>(GYUMOJ.M=0CK?4_#
MK?4\ZCJ/I\?AU'T^/Q^/^/I_I]/&3G/O$^_$3YXA'%*7Q*>+7Q/%KXGG%*XC
MY?#BE?3ZJXGY=^GU_P!/KWQ$^O$3YXA'%J<XA/%J2E*E\3SBU)1U74I4KZ?7
MJ4]5WZ<_]/KWQ^D?K[S\ZVWWCG.MH[QW_P"UYU*>\<^J>([]SGT_W_5'.<_S
M]?\`'/IXR8CK:.]0KJ$=4WWO6U=3SO6^J3U'>H[WGU3WJ>_3OT_]/$3[\1/E
M2$+^/R2E7P5Q:?DGG?BOGUYQ2?KSOT5SG?\`7G^?$1U*5=3U24JZA7R1WO.=
MZA7Q4GY)[W_VJ^*N\^O/_3O?$0I"5?'Y)2KXJXM/RYSOQ5SZ_12?KS_"N?7_
M`%\1'P1Q?7.(3QQ24H4OX\^?4)ZKJ4]5]/EU*>J[WG/].?7OC]/:/UCB$)4I
M?$IXM?Q^:N)YQ2_CSZ)^2N<^JOCS_3Z_Z>(GUXB/$3YXE*>JZE*4]6KY+[SG
M.=6KB4HXI7>?^Y7P1SGU[_Z<YS_T\1/KQ$^$(0W\O@A"/FM2U?!/$_):N_52
MU?3G/JM7?]>]_P`]\1/OQ$^5H0XGJ%I2M/?I]4K3Q2>_3O.\^O.\[SOT[SQZ
M>D0M"'$*;<0EQ"N?12%IXI"N?_125<[SO/'IZ1ZSZ\1'B(\1'B)\?!'S^[\$
M?<^'P^Y\>?/X<[U7$?/Z?+X<5WZ_3_3Z^/T]H_7WF/+P9<X27@C"C]?)$1\V
M-#.P8H^7,$3Y$-<:(8CQ"D6:,F2QSG4.MMR67F%];XEQ"D?5/<T95=6<<D!&
M020",^1D8(S^A!^DQ=2R%4/%B#@C'@_7SX./U\2G_7W"`OK_`$PO7(5FLU]L
MMQNUHTW2M(NG0J;9H>BW*6W(.V8S&K0BOUL8VU$BQ1P^"/@Q(0X5`BQ66^(9
MYWN]V?8V=E>MK(E=5=:UUHN>*(H\*.1+'R2Q))+,22?,T]#0KT*FK1F>Q[&=
MW;')G8^2<``8&%```"@#VEY^<Z;TUFVG!]'U8PX]5_:S<<1JQ6N)K-FI^8BL
M:6W/C]>(]E&Z_:[KEEMN]*M<V&1['5-'D4<90PRXPTS(;^\KK:'8ZNG7B[3U
M]BX-R5K#;X]/#*EBHR@C.&7SD@D@XG-W-#8VGS7M7TU%>)5!7Y]?(9D9E8@X
MR#[`@`^9<>:YU3LASRCY5G@5FNT3.*F`I%/!,.OOMB:W6!<8.'@_DRW7Y<M;
M$&(A*WGG''GE_5;BE+4I7=';VK][:LW-IN6S:[.Q^K,<D^/`\GT'@3;UM:G3
MUZ]377C16@51]`HP!_E[^\FWFO/>:];CZ_1-[*9K'M=^MXW-Z-=*_?[)DP2-
M56ZOJUBH]C!W//47PJ1KQ"V?P%1N->BDOXX;/@1B+S*&YO'V$]:5T^O[-NM2
MTTUH=JRMD6P\N5:NI1^`#!<LK%>3`E1Y7!\SG[W7C?:L6V.-9'5S6./%RK!D
MY$@MA6`.`0#Z-D2T]%I([2L^O><F)4V$)O\`3;/22DT:IA!&(.M02<"FRH"Y
M+,F,F;'C3U+:ZXVXCCG.?)*N?7G=/5V&U-FO:0`O58K@'T)4@C/Z>)M;-"[.
MO9K.2$L1E)'KA@0<?KYGSG-'%YI0*/G@:1+FC*'3:M21T\CV.HG.'5,'"`P)
M1)V*Q&CN37HL%*G.H;0CYJ[\4IY].<;6P^WLV;3@![+&<@>@+$DX_3S)K4)J
MZ]>LF2M:*H)]2%``S^OB3+B$\4I?$IXM24I4OG.?)24=5U"5*^GUZE/5]^G/
M_3Z]_P#KYX3WGUXB4WNV3DMHS:Q9L*TZZY`S<&5"+-;,XC5+MPF52?$D#+#7
MQA*W5NSQ`,@R*EK903BQT$AZ_B[%>:=3Q7F]UVZNAMIMO37>4.55^7$,"""0
MK+G!'])/$^A!$T][4;=UFUEL>H.,,R<>7$@@@%@<9!]0,CV,L&G5&N9_4:K0
MZ>*C@JE2:X#J-6"0_G^('KE;&10P05%^XI;GXX\9":91\E=[\4<^O>]\UK[[
M=F]]F]BU]CEF)]2S')/\R<SWIIKUZ4UZ0%I10J@>P48`_D!)'YY3UCQ$^4I2
MA*4(2E"$)XE"$\XE*4IY]$I2GGTXE*><^G.<_P!/$0A"&TI0A*4(3SB4H0GB
M4IYS_3B4\YSG.<\>L>D=2GJDKZE/5IXI*5=YSY)2KX]5Q*O]><5U//K_`/7Z
M<\1(!H5HE5T?%:']2B>1<=0V^M*5_C,,)1UYU"%?5"G>J=2E/RYWG/KWOT[]
M//6I`Y\^@F+'`E)Q+M:(<CDA!>0[WJ_FXS(XAV.]WOT^7W&>IYSZJYSZ=ZGX
MJ_\`IWGFR:T(QB>>2)L;63,8^(8*,-(86_U7)C2?I_QS&N);>2I7.<ZO_"4]
M2KO^>HZGS4=2K<3/48(S*%L%^/$2$A4$A('0&W5HB,1%?95UI"NI2Z^ZGGW'
M''><^7>?7X\^OTYS_P!>[2U(!Y&3/,L3)=0[[/E3V0IM[DG\KZHA3EI2EY+_
M`#G5)CR.H2E+J7N<^B5?3Y<5].=^OU_QYVU`#DLR5O8R[/-:9QXB/$1XB/$1
MXB/$1XB/$1XB/$1XB/$1XB8:QGH%6KQZSE?O_P`97`Q0\1_%85)E?@"(+Y"9
M^-&1_OD/_CQU?!'/\K5].<_U\]*JVNM6E,<V8`9^I.!,+;%JK:U_Z54D_P``
M,S0*N_LXP6Z4ZEW*C47V'N<?6I;#>$`@>,GD6C>P[=5AV^PW7+`YB0*7/SNE
MC)S39:PDEBP[$EUAIN0]V7#_`"/H[?Q/L:+[*-BS50T#^\QM7C2>7%5L(SAW
M/]*+R8@$D#BV.$GY)HVU5VU)L-\W_345GE8`,LR`X^U?]3'"C(P3R7.67[NX
MP<(9EHXG3;X'I\C(_;>[67*Y.8=B%)$KUH)9^,UD=H39\4Q<\_T?%#,R0.2#
M2N/PE((2.N<?1'CN<Q_[?WZUMU7JK:_Y]9%L^3QB\.:RF#Q=+0`W/SQ"CTR1
M![S2=ZMA+;!3\.PS)P\_V2@L#Y')'J.1Q\<B3ZX!G9H?['?7B\$JXB5"UC.Z
MC?LYM6L93J&IYA8:/F^MT.C5=F[VXW0SQ)"I;_\`#4IWIE+!&*.D3Q+3LV$B
M3&:<=3CL_BW9ZZ.0:;;ZK5KLKKL5WK=VX*'`\>7^W*E@&PK8)`F5'Y'UUS+R
M^6NFRMG1W0JEBHO)BI/T7[O(!*Y89'F5#NG[-N47U1T/V3SKUJ]CRD<")J1B
MBKON1%Z]6[B#NJWG@MTZY$,.F1M/_CX_%O\`9C4(C&<F0T/1F_R.=YO==^)?
MN>YJZK:V]52S,'X6AF4IZKY&"V?3&5.&P3B:>_\`DW[?JK.RUM;88*JE>59"
ML&]&]<A<>N<$97(&9L1HONK7,PIX&]6/!/:U^NSJ1+T6V20V&&B3V65,<_-;
M*2M#BHGMO0RXR*.>EOB1G"A=$-/'N1>H6WU?+U>@MW+VUZMG3%HLX*#:!\C'
M&`GCR"2`&;BN?&?!G2V>YKU:A?;1M?'P+MBLG@HSDMY]1@GBO)L><>1*L%_L
M'$E?<>3Z]1<VO3F1\]=ZUN$+?DU2<B@NC[!./S4V^5;GB#0*'D/:L);XR94C
M_D*]>CJXA+7R5NO^,NG1#LS;7^]_=-4:>0YY4*.(7&39R/E?^7!]YJ+^0(W<
MGKQ6_P"S_;+;\O'[<$G[N6<"OB/ZOKD>TF^=_L0]>M`)0V)C6F9?7;+GMNUO
M,M!V7.3N:T#8,MH8V,>M][SJP'TM=EB`E8G,&%,$F1A%X*]P@S&=AI<>1K;7
MXQV>LA*_%=:EJUV)4X=ZK'.%1U'H2P*Y4LH<<20V`??7_(>NO8<ODJK>MK$>
MQ"BV(@RS(3[!2&P<'C]P&,F:[%/V!0M9WOT#I^7B]SS*M;IL5W)-.:ADQ6A@
MM]Q43ZQ;;<(QNHSS\.5(X(AVR)7"GXDK^'._9<C/=B]BK<[WJI^--I];V5^X
M=>VW7H0?V[`YIM-]2X8`CR5+KD<DSD9S.;9WZ[78=?1JB^NN^YC]Z%1;6*+6
MRI(]`W!L'BWH<8S/0S9MD3C@H,0;RW9=9FG"$B!%`8S17+F6BIBQ%S)$\P_)
M(A`((>AM'Q0Y,FL=D/*XVREQSOQ\^8T-']\[*;J*549S:_$>3C`\$D_P!P/)
MP)]%N;G[-0WQ76ECC%:\C_$^0`/XGS[9FN+?[$\0.1,Y[F=2W'9CNBTHQHG]
M*S#*#9.Z42H5RY$,XL9'2@1]ZMNU">$T4*1!.C'5N%G28R8TQ%=Y&=4GJ'\7
M["LV_NWUZ*ZK`G.RP!'9E#J$(Y<@4*OR_IXLI)&1.:/R+1L%?[9;KK+$+\40
MEE56*$N#CB0X*8_JY*0`<&;@7R[1Z#2C5WDURZ6ED-!9F?UFB58G;;J6<D/Q
MXS$`+6!;:Y\Z<M^2GY\_V-L(XIQU;;2%K3Q-?7.SL+KAJT+'')V"H/U+'P!_
MX^@R3.Q?<**3<5=@!Z*I9C^@4>?_`)>I\33J9^Q[U]KU&O%ST(1L&7S\TTC,
M,LON<W;+3Z=.KMGVF:.'Y2ZBIUG^RKL@2^S"K3(Z8'>(M/R..1_\26764=Q?
MQ;LK=BNC6:BY;:K+$=;!\;+5GY/N;CQ*8^X,%P,'T(,XY_(M"NBRZ];JVJL1
M'1D/,&S'#[5Y9#9\%<^X]01+EPCVCH^\G[[28%4U#,=(S2-52UMS/9*3)HUS
MB5>](-=I5S@1>RR@DW5+*_6B<9F5#F/]8F#I,:2AB0TIOS0['J-CKJJ]AGIM
MU;2P6RI^:EDQS4^A#+R4D$#(8$9!S-S1[2C>LLH5;:]FL*62Q>+!6SQ8>H*M
MQ8`@GR"#@R!;1[WXMA]SMU,.A=9N*\LK0FZ;K9LPS*P7RH8!3CD642&6+6C0
MA'?XAIX#`D%7(4!HD4C!V%3WXK4-3;R]G0_'-_L*$OK:E/F<K2MEBHUS`X*U
M@^ODA<GBI8\02V1/#=[W2T;7JL%K_"H:THA9:E/D&PCT\`M@98*.1&,&=LO[
MW>O`6;>`LH\=?M=)TC(\N:I0^NS9]LO1W>88\CD!?,A47KG+W3+T.DRY$8S!
M<6/98"%ER'&4BYO68GXYVEBUV!5^&RJRSF6`5!22+18?]#(0`5/DETP#S7)^
M^ZY"Z%F^5+*TX@$LYMP:R@_UJPR0P\`*^<<6Q^A_=K,+3I!NB4BF;)>*U4KB
M=SZ\[G6L\E.X%2;E5.S&;>%-Z04GBXTQNFSX+L,Q.&1R`P5/;<BRI+3[+S;<
M?H-NG578V+**[70.E+/_`'G5L<2$`..0(*ABK,,$`@@G).ZU;=AJ:$M>I'*-
M:J_VE9?#`N2/Z2"&(!"D$$@@R&4W]COKY<GX[J16P56MV6@7O4<CO-ZRJR5.
MG;Y1<W`KM=J.8X2)H1*L"FJFG^7A1)L<;.*B.]GP69$-#CZ-B_\`%NSH!&:'
MM2U*[$2Q6:EW;BHM`_I^[[206"M]K$-@3PI_(^ONP<6K4];/6S(RK:J#DQK)
M]?M^X`@%E^X`C)G5S_\`9+@FD2L]4"JVZPJWM58*V/U^OEBQ^R`*3O\`(#TJ
M;H3]3RPP0^V]/N1*I"IDP5!),#/YUB$^Z,7,:;ZYY=G\5[+5%OR/KFVAPMR+
M:K-2"P3E8!Z*&(#%2W`D!^)\13^1:-YKXI>$N4FIFK(6TA2W%"?5BH)4''+!
MXY$JW$/?5WV`J.26>T!-D];R1_W+N>%#11G(D\"ZTBO'_8P$!H;A.S)+R0R/
MX#)TS;//A=BR`UCA?QR'>M.J^>YV'XX.MOOII:C:1=!+B19YKY+0Q?"XS]UF
M*U.0R'EC(FGI=\=^JFRT7:S-NM4`:_%G%KE"Y.<>*\N1@JXXYP9;P3]C?KX>
ML0"/$&:VQEUOT9O(J;[)SLP/1?7*VZ1)L3M-'5P)I*_KQ<([=F5!1AM^&Q7"
MA7J(T,@^X\SQS1L_%NSKJ8DTG<2KY&H%@-ZH%Y%C7]0GWL@)=5\LH`.-Q/R+
MKW=<"W]J]GQK=P/PLY;B`'_5OM5L<2W@,<B8^3^RSUZCV&PC_P"#VEZFT;:B
MGKQIFRLY-8>XYF&NC="_ZPY5[K='?M<C,R[;(AM=(PX\T7":(Q7)TB(EWOQS
M'XIV9J5N5'SV:XOKJ^1?ELK*?)R1/_3D\20QXD*#B8G\EZX6.N+OAKO-+V?&
MWQI8'X<6;_U8\@%1R&2,ST&\^9GT$U)]?]CNVB[I[NT"S/"G*[@^W9W0\^;@
MCOPYK%>LOK5BVHE&S,O\AW^5F*MEY(*;=^+7PCJ;:^/?A\N]OL]'7U>NZ_9I
MY?+LZ[N^3D<EOMK&![#BB^/KDSD=?N7[.]O:]N/CU[T1,#!PU-;G/U/)C_+`
MGS']RL].:^6Q^@4/:M4>J=[A9CHNDYUF\XUD&:7Z3V`J=5[9?9DT7"DDZPP4
MCN'$B&RJ07'?A/['=2MM$/1;->BN]LV:](>LV(CN!;8GG#*@!.&P>'+CS_TY
M&#*.XUWVSJ:Z76E+.#NB$UH_C*LV1Y7(Y<<\?]6#.,%[F4(EK(S(+%G&\9H9
MM;]XAYO9-,RDQ5*7J1+.QA$_9Q-*-/2),CA9NL!YA6''*1ACA,9#?D0^/MM+
MZFV=%LII'=JMUK40(76NP,U8<A5+CZ<B%)4MQ8@-@F1.YUVVQJ65WUN_+@70
MJKE`68*?KQ!8!@,@$C.)7N/_`+(_7[;"N/(J@/9Q=']@G?XO$]CN.46*K9)I
M%N36"MN=HP&UD?B\S9OX6O%%1_S(L6`2=&26H$F4M">*V=[\5[/KTO\`F:@[
M&L,VU+8K65KR"\V4?Z<LN<$E>0+`37T_R3K]XTFH7"C8.*K&K*H[<2W$,??"
MMC(`)4A292EY]V_8?UT=PH9M6"Z%<K'[%>U^LU(>%S3.UV=.<X/"C;09R:NI
M)UFQ2QMEV4I4L[$%I<=;O$?@SR3O4I[`XVKH:WX_U?:#9?0V:JZM72K8FQ^/
M.XFH6-AERM09V4'ZA!_JS-&_N^QZ[X!NT6/9L;=B@(G+A5_=-8RIPUA5%8CZ
M%O\`EQ-D_?#VQ,>GV"JUNOY=<-/+R+CG=6BB*_6R1R"*:N%ZK-;G$+.H7)C2
MA;:1QAUH?_GO)1A46+WJ>/=5SE?CG2U]YV7[*VY*4".Q+,`3Q1F`7/KY'GZ+
MD^TZ7?=L_3]>=RNI[7YH,`$@<G523CT\'Q]6P/>86]_L,QO/7W(A>B>P!*=6
M<YK^M;/`K&-V.QS?7"@6:.0F"3&ZQQBGEU0BZ."SYB@\/^3.(@07I?8?XW$O
M*]-?\8WMD92S6"O:U=1:U5%[K@$4Y_J&2!R/%,D+RSXF-_Y!I:Y(=+RR5BRP
M"LDTH<D&W'])P">(RV`3C'F:I:#[0:FYN^E#Z/J4F5G:/<3]9-/I?\0@#.#.
MY?O(:OD[\.%S^#GUS`U^CD.O+?\`NK=XAWG8[C?/IYV=7J-,==4VQ2!M?L=]
MFSD'Y*20A(SX*8QC_,&<C9[3;_?V+1:3K_O=)5Q@CA:`7`./(?.<_P"1GJ1:
M=FHU-U3*<=L,HA!N&TP=`EY]W^,DN!"TK-!@@[90;QEM/8D$_P!`%5SXD5WJ
M5RXD"8XW]>1G/I\A3H;%^G=O5`&C7*!_/D?(2%./4CD,$^Q*@^HGU-N[13MU
M:=A(NO#\/'@\`"PS['!R![@-])K>?_8+AP\NNIU(%KNMZ`[H&M9\(SK*<W*6
M>VGWL(+"*UKUQ')DOB@,3.*+<C;(*2<GSX4%\Y\H$93\GGV^]2O\9[!D^:]J
M*=;XJW+V.%5?F!:I3ZGFZ@N$`)"?<<#S.<_Y!HA_AI%MNQ\EB!$0EC\1"V,/
M0<%8A2Q(!;[1DR99U[KX)J<_'Q%2,V-P[LY[6Z>#KIFH'J]8JG><*A*F:M1-
M+!&HD(K0;?4%MJ9>ASVFUNN\XIGKC3C3J_#:Z#LM-;[+E7XZ%K8L&#*R7'%;
MUD$AU;U!'I[X((GMK]UH;3TUU,WR7-8H!4@JU0S8K@^59?H?Y>,&7+G^NTS3
M3^MUJJR"#Y7$]%;RV^(FCI$%F+;7*)2=&2P-??YQ!2#_`%C01J_R&OJW]Y;C
M?_N;5YH;.CL:E5%MP`38J^1,'.5YNGGZ'DC>#[8/O-S7W*=JRZJHGG19P?(Q
M]W%7\?4<7'G^4\T\9_8C7Z?*WT5MJ=CLX7/_`':W/'3VP"LRG$\CQ,&]KW]9
MRBI7VZ#HT"/!B0Q!P4EV3&8))%1)C#Y5^,VY]SSZS?\`QBR\:S]?\"66]?3:
M*C8!9:?BY6,BG.22&P"5Y$$(#C$^;TOR&NH["[WS,E>[;6;`A-=8^3C6K,,>
M@*YQGB""Y&9LMI_[`\1RZV:1795<V>[@\/7$:W_3<QRBR7K,L+?D`X-JE1="
MLHE'7W"%?J!2*8,10L8Q)"#)+<B>W&0OG?.3J?C78;E-5H:BNS8S\-=EBI9;
MY*Y13[%@54L5#,"%)G3V>_T=:VVLK<Z4?]5T0LE7@-][#W"D,P4,5!RV))SG
MO)Z]5[(_87;9]B,.T;UE..5[271E>(%R\HA(JE)NU852!`U,J5=X>@5K1P<B
MO/#^.ME^$F4L=ZKO><\4_'^SLW=;05!^XVUY)D@#`9U;D?\`249'#@^5XG,]
MO]ZT/V]^US_LZ[A7/IY(1EQGP0X=2K9P<CS+(&>QN6'+#A%9`EIYPA['9_8M
M4S%T2*ERX$W/*P$J)PG;3,U">-`Q"FKZ&CL+?^/7Y9%EI'.JZKXZK]5N5U;-
MUBA5U;5KLR0"'8L`H'N?L8G'H%)GLO9:EEFO562S;-9L3`\%%"DL3[#[U`SZ
MD@2GMD]\,CQG3;9CTRG;?HNB4//:WKEUKV290?O:ZQEEEEVR!'O9.=#[&&]&
M0YE+G-+B,//%I#C?QB1)*N+XC>T?QW=W]1-Y;->K5LM:M&LL5.5BA3P`/G)#
M#R0%'^IAXFIN=[J:>R^FR7V;%=8L8)66PAY#D2/'^D^!]Q]@?,Z>7_L']?\`
M7;;4:[5&-,9K^HUVTVC$-4L&<GP.5;P+I(?EAM"LHM4]MMTV]`KW'",?DN+!
M25'1WI8Y4N,RXZF[?XUV6G0]MQI-E+*MM:N&LI+G"_(H],M]IP3Q8A6XD@1K
M]]H[%ZTH+0M@8ULR,J6<!EN!/J0,GR!D`E<@9EHBO:W(#.<>MNJP2!U50]KC
M%`!X_(<KT]J<0(:72C5_JR#H]2?OUYI^N@)"WER.<XP[Q+:O]RN>:C]-O)M;
M>FP7Y])7-OW#`%;A&P?]7W$8QZCS-A.VTWUM;;4M\.V4%?@Y)=2ZY'MX!SGT
M])K)J/O?7[MDWL0[Z^U?;S,6K91[#HJ'LV%S5U&"Q]#RN@7>9*=`WTZ^RW8(
M@.V5AV`R6C#9E?EE6/QFI;W>_3O6T_QVW7W=4=F^NI>ZGE0;/[W"QT'E!_22
MK`E2P<*<E1.9M][7=I[!Z];V"TW<;@G]H.B,?#'UPRX#`%2WC)DC]6?>W/\`
M7HN!T(N*UT3:]<R$5;,ZT>_YH7J6?[U,KU+!'KQ.SBQ26V.3Y34.>LHTU,AC
M.D1B79H]$F(TMU/EW'X[LZ3;.S6:&IHO*NB6!GI#,0@=?89'$D%N+85L,<3U
MZOO-?;77U[!:+KJ0R.R%5M*J"Q0^_P#S#(&5RRY'F9?VD]SBOKINGJWD<#%-
M5T<?O%PLP2P6.CT0K:(X8:'S+2;;$A5Z1`G18TVW,F:;&D$(CW/C%KO94SGU
MZTE/F'3]"G:==N;K;%-3:U:E5=PN2;*U);(R%PY`(]7POO,^T[E^NWM746FV
MQ;W8$JI.`*W;"X/ELH,@^B9,USP;]B0"MHVD1MO-BLPVD^\?L5B!S9Q^9SI^
M/8]`5[#G*5CE(O%W'1A\:%'B`BP.*N7&CD61C$R.X5DQOFISSJ=E^+VVG7?K
M_@1[.OHM%1L`MM/P!K71#G.6#G!*EB"$!QB<WK_R*NL7KO?,RU[UU9L"'XZQ
M\Q6M688]`5&0#Q!!<B7[-]T\[SBU:959AS8-TOTSV3LV2TO(:+E8R3<0I6IX
MCE^G6NI5%,+^O#S]&J5:L[)R98C4]'4RS2H/'UJ1%C^<U>@VMJFJY5HU]8:B
MV/:]AXD-;96K-GD5=F4H$0>B\L>6,WSW6MKW6U,UU^P=EJUK5!R!6I'95Q@%
M55N1=CZMQSZ";263::M3,*L?L'<QEMJ5*I^7G-;M@D_7)<*[5RL5JLR[8>BE
M:M\G)C%@%"X+O'8?%*7]Y'4<[W_'?.15H7;'8IUFN4?8LN%:E6!1F9@HPWIQ
M)(P?I.I;NU4:#=C>'2A*C8P(PRJJ\CE?7(`])J%&_9UA<XG7Z_`S?V8F6K1@
M'+?@U33A%JBG_8VEL)COF;CC[!%4*))KU7'3HDTHZ=>!+@P9\1]Q'&Y<=3G:
M;\2[%4:QK=04U-QN;YEQ0_LMF,_<Q!"\`^2&'J#CE+^2Z+LJ+7LFRU>50^)L
MVK[M7GV`P3RXX!!]Q)U+_8!AKM%RBW5`/K.DV+:9=]'4;':'FILALRR&2&':
MWL46STHLH)RD)R6T,_Q1]\Q*@Q8A1QF*AUU^3&0]KC\:[$;%U-[4U5:X0O:[
M@58L'*KBXSS^1?N0*"2N6P`#CV/?Z)HJMI%MEEQ<+6J$V9K/&S*G''XV^URQ
M`#8&22,R!?NC0"V5T76\SS;?-K!WN9:AC0++,G,D[?43%$*2J_>`&C!+'(J_
M*'9:G9A\H7*&$GF""R,1]AAEY32_IY_[#LU[EFEMVZVO96%.;+`%8..2,A7E
MS5E(8,H(XD$D9GI_O.N^JFWK5WW(Y881"64H>+!P<<2K94@^<@@`XD'G?L>]
M?'D9%%H8K7M@LVZY85V++J1EV7'SEM/TNN'QE8M[Q*"5_@H5-(TLV69C%8YR
M2-5$E=_&[WLI2&%["_BW9CYSLM115KW"JQ[+`%#,"RX(R6#`94H&R//IDSP/
MY%H,*OVXNN>^HV(J(22H.&SG'$J?#!B,'QZX$["OV'XB5`Y:3SJJ;=L%@UFN
MWVV",WS7*S)#2*P`RFW1\\U"9H-9L+]:_I<FA:-*37YT*8\F>X7XN/&8D=;7
MU./_`&QV"67+M/KT54LBEWL`1FL7G6$8<N7-!S!`QQ\DC,O_`'#HNE1UUNNL
MM5V"(A+@5L$<L#CCP<\""<\O`!Q)][D>RI+U@]4=9]B@6<V^_F*/FUEMX6H#
M:X2GO,$QM3*GQ\B]Q(;T8C7:<,DP4\.3>?5P=&^:_BKJ?IYK]%U*=OW-/5V6
MI779:JEBP'@L%/`GPS'/V#_49[]SV3=9U-W8UUM8]=3,%P?4*6'+W"C'W'VD
M$F^_-"&C\V&=R3V+L>NZ%0YNE+P>HY`2(:U4:"+-2*S*O-[KLDI%%TJLDS\5
M;`GL\DB495SJ8+4E;3Z6MA?QO99K7^;572JL%?S-:!6SD<@B-C+L`<MA<+_J
M(R,^)[[75:T^+8;<LKY_$M9-BJ#QY,,X521A<G+>V<&;.8ULN>;]FU=UC+3;
MA^FV9!)$.1)&$P9<>4!%9U?LE<L->-Q!YRMVFKV,5*'$QLV.Q,@SXKK#S:5H
M5SSD[VAM=;M-I;B\;TQGR"""`RLK`D,K*0RL"0000<3I:>YK[^LNWJMRI;/L
M0002&!!P0RD$,#Y!!!FC8/\`;%ZPV`%1+>/KGL)VBZXMP+BMY<PB\?UO:-);
M;DJ_Z=S5QF*\4,Z4^Z.G-QX[T6*.EJ&351YKK<1]:/H;/PSMZK+*&;6_<4>;
M4^9.55?_`.5_.`GD$D$L.2Y4%@)PZ_ROJ[:Z[U78^"XXK;XFQ8__`.-/&2_J
M!X`/%L'`,D%R]U,.M&5/WF0.U@%=*]L2,"[A1+,S*]ZE;84KT*WP,NA9Y#=D
M])&"]%EQ[%'GQYCH1(#JB+DU$-M]YK63\>[%-L:ZFEJ6H^;YA8/A^(,5-A?V
M`<%"".7/[0O(@':/?:!US<PM%HN^+XN!^7Y2.00)[DK]X(/'A]V<`D9G![G7
MM]`6\\!9LE4EYS8RU+T>AW^OR:II-!NPD../]K-JK$ER4U#>G`38\E#EQY,H
M?/&3V),5]YIU*O-;L=._K;$KMX.MJ!T=&#(Z$D<E8>N&#*00&5@00")MZ.[1
MOH[T\E:MRKJP*NC``X93]00P()!!!!,VER-+O\$04KZ_:645]O\`^GRY$C<=
M^G_Y^\\Y=_\`4/X3>3TD0,Y@=;(/]$(CS(#KJW&%+DML.L(<5U7&7D._'Y?:
M^OTXI/5?+G/K].=_QYZ+<N/N]9"I]IBWZS)KEDJT%4A+\^4^/EO<9^OVF%])
M?;2TTKO.+7Q#;7UZKO.?7OU^G/IYES#HQ]O_`-),8('O-FO-*>L>(CQ$>(CQ
M$>(CQ$>(CQ$>(CQ$>(CQ$>(D#U,(3LV8Z-7`K*9)FP4.WA!,=;S49+Y,K7R$
M"`RJ0^MMF.EV4^A/5K4E*.=^O>\YSS9T[$JVZK;/%:V*3_`,"?\`A/#:1K=6
MRM/+M6P'\2"!/'N]^F^P@*W^N"](SO4;TYZX^IKWK1MV38#[!2L.U($NRT_#
MY'+50;<%T;,*Q=A]3MF/+'$PTFPQ(\^).9F1>O.PFVG/N-?O=&RWM=?Y::QM
M;OSU674_+6>+6_:ZE+&0LMO)6"$@@J<!LSXZ[I=NNKK;_CM<ZVG\-E=5OQN,
MK5Y1@Z*P5J\,I<`@@C/&<=B](KM.``".-X9=LWC6CUJ_9L*N]5U_:A.CZ3S;
MO:"!C(RB3;=="6CZ"V5):,K/I$N4]&,SH0GZ)3)=;6KOU5?D&NMK+O;%=I3;
MT"C5U%$^+7-I<*@1,!.8`!4%O8$1=T=[HK:5#UAM7=#+98'?Y+A6$+,7;)?@
M22&('^HY,V9N&`ZBL9^N%YG.8-SC^M86Y?\`<%-Z<J++;Z)GI1J611:M#X>(
M109QNP7RQ0Q/?HM<-#4GK[RDQ4..)Y-'9:?+M0;36=MD^)L-[;5=I8X&1Q12
MWU\8'GQ.E=U^UQZTBL.-96^1<K__`*SU\?)P<L0OT\Y/CS-+"'JA[-6C"_=/
M(,=QO3<5]>;?@U('X#ZR;SK^?W$L*W6OVLK8K8*R$E7M"U`1DN,F*V/%C(8F
M?84BXY7O7H4(;"2YU[O)W/4T]CH;V]?5L=FFRYNOIK=0:64*IM#)6;+0Q9BR
MIR*^&9VQCD6]5V=^CNZ>G393U[T**J;75B+0Q+<"'<)65"@*6P&\@*,R5^Q^
M5>U_L3;MI)VWUV]B[+3]/P4#7/6',X?L_5,6SG#+_(!W(3H#GLV$RO<A+UG.
MD;%*@$8Y&!V]1%!.MPF&(LEN2EWQZK<Z;K*-=*=K52^K9+;%AUVM>U,J4^`V
M5'B`N5*GXCSRQ)!&/7LM7MM^Z]K->]Z;*0*$%RUI6V&#?,$L'(DX8$?(..%P
M#D3*3/4;>_LTK-R>>F7P.Q_J1KOH1?-!K%@S^7#PG5!04_%(V"XA2EN!E;!4
MUHMSW(\BN(,.*DP.MJ92V\V[Y@O=];FS:2U?DH[MMQ$8.#=62I"J0I`;[1D/
MQ\'.?!$IZ??PFNZ'A=U"ZK,"O]NP`@E@6!*_<<%>7IC'D2!U;T2LVU8^_C&M
M^O/LIF.O"/6?8LI&;5I7N,7W3U[I6BZ%BQS#Y9[**7,WRWV8M7K0#M,U;')U
M1#O#Q?5,/(9D?!'FS;^15=?O#?TMK4NTCMU6&JO6%5SHEHM"V.*54,I49Q8V
M6\C(GA7T-F[IG2V]?9JW!K6(+'V#;4KO6:B:U^5C@ACZUKA?'K+_`(0?W#VC
M8OUX2+IZGKQNK>K]YM=IWBVG=,R@\/D6&5ZRZQD0=O$H%/M9RP6*@3+#<4N/
M2RD,&20P]$3_`!_?C,[%YK6='H:/:"C=^>[<K5:5%=@/$7UV'Y2RA5?BO@*7
M7(;[OZ<[XK[C=W>N-VI\-6K8S6L70C/P65CXPK$E>3>2P4X(^WUQ:'NCGFZ7
M/9\9G0:3N&O^L(^B:-`O.3>N^X"\'M\[9R!FEN9S:-$.R]-QPK:,M'UJ*9C=
M@P3_`,8A)]N3)@3$<;5'T^AVNNHT+U:S7H[<V(4LNJ-RBH!^:H!7:%L+%3DI
MY4$!E\YV^YU]Z[=I(2Z[JQ6X:NJP5,;"5X%B7K)3CR&`_@G)!]M!HWJ/[#T#
MU/S>BUOU:U<%[H4>/[-E,-]@,.]A<X'B,4L&K^R&HZ'3J/JM\N^E";?JF/J%
MEPI0]!+5VUQB['74N0N%?KQ/T;=UU>SW-NQ;N4MT-G[<6TVTN3:*Z*T9ZT2L
MK7;D.J%7K*G&&X3@IU78ZW4UT5ZMJ]RGSFNVNU,5FRZQU5V9PSUX*E@R/RR?
MMY9GI][DU#V;M?K?4`.4D+`1O;%XQZ5N@['+=`RS0K[E8PR/>VFMXM>;$3!Q
M:/9[#%;7V$^Z3%2>P>/1V9\22ZU(1\ET5_4T]J]FX%&O\=OPFU38B6$'XFM1
M0>:K[@*PS@E2`1/INXJ[.WKD34)-XLK^45L$9D!'R"MB1Q)]CD'&0&!.9YWT
M/THW+_L35[F$PJRYE0+K[-_K/TVEU;4MZ9UW3&Z3ZW:B<LFNV"]V"P:1I3@^
MQ#H<E,V,)B&R3#C"V4QG%S%26FOJ-CO^N_:TT6;"7;->IOUNU=/Q5\[ZPM2H
MH2O*G&"Q13G.1QP3\Y3TF^=FVY*&JUWVM)U5[?D?C386L9B7?R,Y"ACXP`<Y
M`]2@F772'[PZ5M,@5'1GEC]5<2S`2;X0@*E2;G3-;WZU6`6X*0_THPQ!"7L:
MZB0XWQAU4A2$*ZMMSB?C[-RAOQ^K0!/[I-RVPC!QQ>NE5.?3R488]?'ZB?4I
MJWKWMNZ1_P"V;4J0'(_J6RUB,>O@,OGT\_I/.[7_`%*O8CV3]MK*<POV8]@\
MF]J9M-N`+_X[>W,_$!X<O%QZGXM=LRV+/RN[8J!F!2$&B,3X9^&V:6]!(NP9
M+37XC''OI]+NM>SJ=*FO8U-7=TPRM\^L+20;6M2RIQ3:P(+D%"5P5#`G)Q\]
MM]1>G9;=ST;.QJ[15A\5YK`(K6MDL0VUJ0>`(8!O!XD>)DK=Z?;W"]BL]]M,
MUS*KC5^EC5%]<?67`)ANHSBFI>K+H5JL[5;3^BF2$EP%I'8E@6Y0&YQ1G^-B
MUV0S.ZWVU$N,84=WUC=99TVW<Y_?\[K[@&`KV.7*I16!]R97^\0IR7!7/PKG
MTMZKL5W4[+6JK"Z9KJIJ/`L](4K8QL/E6PY^,%ACA]W_`%#B5Y+D&_YQZ_Z=
M^O*T87<RM*MKOL?1*)[84BUY-/H:<RWHWI%J#771*K9;_6-0#:%4.7[\$Q`@
MA2[)&?%[+C2EM2%)9\=W>ZW:[.G\GIV*UV$^!WUW6P/\E(12J,J-64;AE264
MJ#@C(\^FII;^MUMOX];2YI?YE6]63CPM9R&=2P<.O/#`*P8C(/F:YT_UF/U3
M"/Q]Q]:/9BO:5ZX>KNTL-:M<?<<EL_KL(NL'UXM^33+#CE%,;W8C[\&\U&P$
MT#V2%-$K"092F'N-.H1SO5N[:N[L<]?MZC:FUN5?VUUA5>4-ZV!;7%*C*,JY
M(M;F1D9!G.JZMZM`_OM;979UM6S[VV#92&^%JR:T-I.&4D`&M>(./:67A%2]
MD/8C)OU@4"V^O\C)Z=ZU+P?<M!V9Z]9Z9HUT8S/!S-8H(#$Z_7S\[0GG-!*V
MR++(=.B`+8,5'EQ.JF/.L]7J=C?U?5[O;[-.R+K]OYJDJX.'7Y+@SFUF4)]@
M4A>#/S8JWV@'&SHT=AV&IU=%E!JHUC5:UA9"K!*BJ"M5);[RP+<@O%<K]QQ)
M+3/7KV'D",4RDSCIJO1,"_99L&]%=#?NF=N5:\XOK-B]PK4)N-#0,MDRWLE`
M,78PD4@-)C!\UF<\O\=,EIIQU'E?V?5BS8W4O5FV>IJI"<'Y);6NJI5\J%P3
M4Y5E8@@><$@3TIZ[L2E&J])44=G9:7Y)Q:NQM@AEPW+(^1<@J""?&<&0L?@/
MMF:]-<F_6B<]?E@H-#*8SF=H]JX]\S9>/2\-PW1:E9X6ETZLQ+/(U][6[M4J
M-'CL@Y=>@QQ5BFKD.$G(D=#TCW;L^EK[Z[\LKV>36"VQ=?@_RBVU&4ULQ7XO
MC1G)+AR608"!C@>*]=VS])3^-/1Q%9K1K^2?&:JG4\U7E\GR,JC"E0`YSRP,
MFX[3ZJ[<3]'/;S%X53'KT;6?:KV'U"D!.V.O-QB]-O\`[<$-5JQ2277.2+'2
M"%&?1*7'D.HD,+_X7$I=Y\/-&GN>O3\AT=]G/[6C3HK<\6\,FL*V&,9.'\9'
M@^H\3;MZG>;H]S25!^YNV[G49'E7V#8ISG`ROG!\^Q\STUK=AN)6U:&'/Y]*
MJU;K)8%#HUP>LH`PQI@PA6AA4R9B`Q;SA>J-UZP2Y`I3!)+;TE<3LAKG6'$=
M[\E;50E-3U6A[74EUXD?&0Q`!)\-R4!LKX&<'R#/IZK+GML2RLI4I`5N0/,%
M02<#RN#E<-ZXR/$UW]=\FO=`WSWKO-J$L0*SMNZYO=LWG-$Q\YTW6Z]ZPX?F
MQ:;)A0Y#TH.Y'N-+(QN,RDM.N(9XZE/6W$*5U.TW=;9ZWKM>EB;=?6=+!@C#
M-L76`9/K]KJ<CQYQZB<[KM2_7W]^^T`57WHR'(.5%%2$X]ON4C!^F?2:^X.$
M]FO6)S6/7J)@)Z]UBW[]N&EXY[(U&TY8_2Q0'V&TNU:T_)W&J6^^U#1X![*[
M1>)<.8D.*.(-C(3#L57Y#KD9KI]E9U/;_#V;;*UW5ZU5=M#+9R)IK6O^TRHR
M$6*@(Y,G!B0?`R>?H5]EU8MZ]:&LK?8M>NY63B!<[6?W%9U?*%B#Q5N0`QY\
M34+#/5;V@GZQZ17[3,7W!K3,:+Z05]L-RW'VI':6)O-TM7K3K><*(8;F875+
M-41F>%-`MS#L7K-<J<L0,>C1F8'4<G?8[?8=SU"Z78:VIL:_[2]4&M35KE"B
M+?6^+;#6K%PBG.7L#,"2W].>1I=5VC;>C?LTW?N:2YOMLO#AF:BQ,U('*A"[
M>,(A48`7'+&TE*]7=H#>I7ZLLJGU4>Q=O62^^LAW91+=A`.1ZP-SC(K?5+A(
M@D6IO1]A6..EF&D(@+?7(XOJV^*1Q7?./L=OH6=UW&XKDZ^W7>*CQ/W%[59<
MC&5R`3YQCT,Z='5;J=1U6HR`7ZME!L&1]H2ME;!S@X)'IG/M+\]V*7IAISU6
MT;,<W-ZW,P+VE`ZQ:Z#5C=-!6TQ3)&/;1EQ*15W[_8JE5)I0,2TN',7%E$H?
MWHC#W&U]=XA"^;T&QJ5C<U=NU:5V=,UJ[!BH;Y:K!RX*S`$5D9"G!(SXG1[J
MC9L.IL:U9M.OM"QE!4,5^.Q#QY%5)!<'!(\9F3]\\ST/:O4;0Z;FE758-"D3
M<IN@2DR3`4+,.RLWUJ@::0JD<V2G-5R":*CJF_#BO2)3<'DMQ'W'D-?)SF/X
MYMZNAW=5^V_'6`L0O@D#G6]8;`'(@%@2`,X]!GQ+WVKL;W464:R\M@FM@N0,
M\+$<KD^,D*0,G&??$\];OZY:H1W_`-AMEM'K)[:WW/O;:NY=:8='QCVY$XA:
M,WN%8RP1C]IRW<::#]E,\SDT++AJI"(1;`))6+[:9LJ'(2A#$?KWTVOVNFO6
M:NC3MZ5>SI-8I>W6-JNK6&U;*F-#N""Q4HRIZ!AZG'`OZW:/8[&[;K;=FOMA
M&"UWBHHRH*V2U1<B$$*"&!;U*GVDWE^D>GUV_F8^<9W""96)]D/UBV;/1;MT
M$3'Q.0^K%6K%=O3;KY(O(+29-+A!>1VDR%KF%/M?-G[W5?+O@OY!IVZRG:M+
M;C:F^KG@1FW89F3T&/O)SX\+GSB>C='M5[!&M6%U%V=)D'('%="JK>IS]H&/
M/EO;,V`_:=VP5#U<<]B,^CCI>Q>J&C4/=\=%E);L");KC$**SR?F#LJ,VY+^
MNOTS02M79::YU;LPLQSG.JXGSE_A_P`=_;_[9L9_9;M3TVD?Z5QS%G_[MT6P
MGV"F=+\HY5=8.PJP-K4M2U/U.>!3ZGY$=D`]RPE(9KZO;)Z37GUXU"A9D;]E
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M("KR`R<>%76]IK;-?<-3SN;<NM>E&7DJ6U+4N&8JC,/C4N.0!+-Q)P,[I^D5
M#VVME?;K0-PSN'EI3>?:&1K%+I\>V`+C.&Y__P!%X?G@1NQDZU-("6+6W,H,
MI!*.P\]&9E)7R,_)C?:DO<'\@V>OM31UNOM-R:VG\;MQ*@O\UKGB&`/'#CB2
M`2/4`Y`[71Z^]4^YL;U8J;8VOD5>08A/BJ09(R.7V'(&1GT)&":#M_JIM)3T
MD]\<:'5$:YHFY[[[.WW.PW;#7F8]@KVD:X]::<2FEUS4C14@C7_@XMJ6ZV]'
M[SC;G$JY]/.E1W/7I^0=;OLY_:Z^MKHYXM]K)5Q8`8R<-]/!]1.?=U.Z_1[^
MDJ#]S?L7N@R/(>SDI)S@9'U\CT,Z*:9[7>O,3W/R#-O6EW=H/L;KVN;#BFJ1
M=!S*LT`)/WL1![8JS["#;?9Q-\$0LWMGY:FY(`39.EJYR*PPTW+;6QRG8Z;L
MVT-[:V_V[:M%=5M?"QG(I)XM254H2ZX\.R<7R22IS`H[7KEW=36UOG79NLLK
M?D@4?*!D6AF#`(V?*J_),``'Q('4OU\Z[F&U^K5`KZ1-H]8!V1^J2_9FVN&H
M@PD5V7T'I1JKX[)C4V4^Y.+PM8)D:O+GN(2XB%'S^.T\K_G;XK9O_)M+;T-S
M9LY)VQOV?@7&0*MQPUHY#P#6!8!]3<2/0SPI_'=K5W-6BLANM%6O\QS@FS55
MA6>.?(<_&3ZX%0S+D]"?4_7<1T[52NNC!\6GY#7U>L'IY(BV2*?F3_6>+HUP
MUB-8RT2*ZZJN%IL:SURJ/0G^-O\`V*#'?ZG[;[?>Z'Y)W6EV&I2FD2;[W_<;
M/VX`O*+7Q!_U`%7L!'C-Q'J#-SH>HV]'9L?;Q\52?#K^<GX0[/D_0D%$Q]*A
M]9>W<9T'_P"2/N+HR0L7E8UOUDP+-J$4X4%\DEK;1)GLT_9!;\3\C\X7''\T
M@0I#\A+;#W92OMJ5UIWX\_\`?ZW^U:.KR/RT;=UCC!\*_P`'$Y]#G@W@>1CS
MZB;W[+8_W/<V>(^*[5J1#D>60W<A]1CFOD^//Z&412/5O8!M`_4?5RM=A#I/
MJYGO:SNJ6#H*0BFSW?1R\8DM([[$WK-HXUH1QB)Q0_KZ>MKZ_P#7[/%+YT;^
MXT6V>[N1B1N6\J?!^X?NTM\^/M^P$_=CZ>LT*.JW$UNHI=0#JU\;?(^T_MFJ
M\>?N^\@>,_7TE%YGD/N"O-_UP>N![UIF5$;Z6:GERMCUPEJ683:?<:GE>2Z)
MDXBSXN.!6@C=3"+*Y881F0R;&@I@N/\`**EF3(^JF^CM[W1C;[7M:ML.V_39
M\58KL#*UEB6%;25"#CQ*CBSAC]V0/71UM+M_VO6];9K%%TK4^2SFA5EK1JP:
MP&+'ER#'D%*^F"?29Y7GOM%0/2>Q_KUL'K18B1>I^NVP8#0?8*IW?'DXK?*_
M"S2WU[*+63@%]"$ZE5;7=N=&PRPYZNO,0#$EY[\MR`G\KS7W-KJ-G\@3\GKV
MU"/M57/2R6_*A-BM8H(0ULJ?<58."5`'$-XGMJZW::_1M^//K,736LJ6U6K^
M-AP8(Q!<.K-X##@<,2<\?,V5D8-H_#_ZS946O0FQWK:Z?YJW&RXAM-78E^HV
M@Y/!0/9Y)XHVCMU.Q(?Q@\>^+2^O=^C25*YRAV6K\?;`L>6WCX_!^[&REASX
M\?8"?./IZSI'0V?DZPA1QUL_)Y'V_P#MWK&/K]Q`\?Q])F?;RG:>_I7IILF<
M9F=UV+@NYW*QWJE5$Y2@=P75;_Z^Z]DK!X#W0;-3JR32`LMW@/38JR+$A4'K
MKC*75M_;5Y])?J#4W]':M6AMG754=@Y7DEU5F&X*S#*H0#Q(S@'&<ST[>C:;
M9TMS7K:U=>]F95*AN+4V5Y'(J#AF&1D>//M-:+AZG[B5]$/<[$QM0']TS8_9
MKV0TNBA/[)76&#-5T7VBGZ75"<PTJ>@4.E3Z6\V^MF2ZA]A7/LN<2YSX^=:C
MNNO3\CT.P=S^THU**W/%O#)KBM@!C)`?QD#!]?2<N[J=YNAW=)$'[F[:N=1R
M'E7O+J2<X&5\^?(]/6870O6JR,O^R\F_>K6O[&YHONC:-QPZY^N^MYKFNOY,
MGOK5@^;@-'K%W/:YEANF3C%@JQH8\W&F/K5&8_\`/A/P9"4N9ZW:U$:@UMRB
M@5:"TVI=78]5G]^YV1D6NP,`K(PR!Y/VL&'A;UUJMM-?JVW?)NM;4U3HEB?V
M:D#ABZ%<E6!P?0?<I!&=C9V5>S]Y_6#=\5V26(O'MC>/3[3<WL;L,D%C0+!I
M]LS&RUT/!('FXH.LJ(OS",6.2(LLPQCLWCTAI#4=24IY:[G4:_Y=7OZ(:OI:
M]ZMUR#E:UL5B0/+8P"57);&`<F;[ZG:7_C%FEN%;.V?3=#@C!=D8`$^!GR`Q
M\#.2/$E,G%M`7[1^G.E-@X?]+R#UC]B,VNY+A,4ET);[^1]87JL-ACOR.3B#
M!"/FQCYR(K:V&.1D\<4G[K7%>(W];_9][4+']Q?MT6(,'RJ#8Y$GT&/D7P?)
MSX]#/4Z6Q_NNGM!1\%.K<C'(\,YHX@#U.>#>1X&/U$\X9OI+O%+T"@[.6S'7
M;^(&7_\`875[KGOKS[)NXEK,&C>Q7M_+]@L?U&MG@NGY=7[F,DA1J(QVMD;!
M"D,=GQ)"&W)$%QGGU2]_UM^M;H5W45V&O29'NH^6LO1K"FVME-=A4Y.4<(0<
M,,@,#/G/]DWZ;TW'JM=!9MADIN^.SC;L&VMU8.@88\,A<>JG&5Q)5/\`6/4Z
MP<RIFO\`KC[52O6,_4==N%L]=Z9[A0Z[J0_VOT75W+).T?V/T_OL&#,Z-6;7
M5U_D-(&6\[$"DGI:GQ\IUUEQKP7M].ZNXV[6F.W5ZU6YM;E6==*^(2BOX2$9
M6\'E6A90N&`!!]VZO:J>L5Z^R>K9+&:I=CC9\[/GG:_R@N&7SXL;BQ.5),GG
MZ]_4'?<%M?K.4U2EAJY&S?TYW_(K?T5=X%PCA[[>_;*O:E7`0XD]->L-C&RZ
M4.<D_P`F^C[B^MI3+ZB4OJ/-?\F[OK>RIVTT[&8V[U-BY0KE$UFK8D8XJ0YQ
MQ'_\/VSV_'^H[#1NUK-M%45Z=U;88-AWV!8`/<@J,Y_S\R!Z-ZQ:V(R,N&&^
ML^SV'V,C;)[RZ/Z\[[Z_[3DV:V'&2&U^QU^O>?Q[39[%IU7ER:%>0!004.AW
MQ%I#O-1^L$!;LMEIKSWU>VTK-U7?;H7J_@U$NINJL<6BJA$?BJUL.:$,J,&K
M89RKA23/&WK=NK49%UK6['YMIZK:K*T-?RW.Z\F+J>+`JS+Q<>S+D3T,WW*-
MEU_T#UW$S,RL6#V#T;U,N6<%YPU?\'33NQ6;)I]>)2!SLEIO^&K9:YRU]84X
MCG(T9Q/5)Y\>\\^:ZW=T-'\EH[!`Z]95NJX!\L*EL##/U8*//U,[_8:F[N?C
M]VBY5NPLU&0D>%-C5D''T4MZ?035ZHL^RF8[C*]I!WJ-IMN`[GZW9)D%_P`A
MC7K!8VVXYH/KU:=4D5B=U9768.7V7-=)%:I(4MP=9'"`R3!:>=AJ3*=Y%Z]Y
MZK;Z\=.^[4ENOM66)9PN^*U+EKY#Q6;%LK-8_J3BP)`;P,\RE>RU=\]HNI8]
M=^M76U?*KY*WI:S!\N$*.']GR",E?/C:'T=QS0L?R*U/ZS"#@M+V;<]P]B;E
M2Z\8Y80.=DMKT0U=(F?C[`B-"8L$BJAIT6,0GLLMQYQ9,I]GG6G$*[R/R'>U
MM[=0:19M2C7JH5F'$N*D"%ROG'(@E03D+@'R)T^CTMC2U'.V`-F[8MN90<A#
M8Y8(#[\00"?0MDCP9K!F7JMM%:]??U0T$M4AL6R>KFJU"U;4-;L->?CU82)]
M<-]S^=-@2V)JX5B?9M][&L<1`4^ZKDA3W.=0VXI/7V^XT+>S[G91R:MREEJ/
M%ON)OI<`^,K]J,?./3'J1.7J]5NU==U.NZ`6ZMJM8,C[0*;4)'GS]S`>,^N?
MK*=]A?2[>+'LVC;H$H]KMHRN>\]=W,#1,UW1[%=)T['SWH90O6"ZS:+?Z_;*
MD_5+U3KE$DRXHTL5#Q34"!*BN2&FYK*U;W6=]UU6A5UUEB([=<U1=ZOE2NT;
MC["!T96Y(R$`LJL48A@"5,U-_I=^W=MWD1F1=X6A4L^-WK.JE+<'#*5=6&0"
MR\E!!.&FQ6/5A_(*\?E9MZP[K6]`]B]JJXS4HFZ>Q0?3]0AT<33(%5C;99[`
M6UO88CXL"%#1Q,>O0#"RBXK27>-(2CO.<?L;UWK%KVMS6>C6UV-?PT&NLN6+
M?$JBNKRQ)8N5XY]YUNNI.FALU]6];;[U%GRW!WXA<?*Q-EF>(`7@&+8`]IZ1
M5P*V`#PQB.\6ME'52'><^G'I3O>N/N<^OT[\>N*[Q/U_SQ/.<\^7=N;<I]"!
M@8F5DR6(;#TJ4ZAB.PVIUYYQ7$H;0GGU4I7>_P#[]\@!)P/66596X[MLM4JY
M/M+;%POK$"(=3]%/=:2IKC_$]_T2W\UJ[_Z<<7].=_V]\]G/!/C']7O,!Y/+
MVEM>>$SCQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$
M>(CQ$>(CQ$>(CQ$>(CQ$>(F,-!A-C#%J\?'0S`(\,GAC0@BPW*'E!)2*[!(C
MIT5U*FI,.=#?6TZVKG4K0KO.\^G?,Z['JL6VLE;%(((]01Y!'Z@S%T2Q#78`
M:V!!!]"#X(/\9^`P@BM!0]<KXV$&`5\6/"!`XV.W$'"A`J(S`&C8$5E*6HT*
M#"80TTVGG$H0CG.<^G/%ECW6-;:2UK$DD^223DD_J3"(E2"NL!:U```]`!X`
M'Z`3*>83*/$1XB/$1XB/$1XB/$1XB/$1XB/$2M;WCF6:>;H%CT2A5FZ&LKL?
M+AG<VQC&"JJC:D)9XQ80[,KCD9@Q#7&:=CR.H4Y&?:0ZUU#B$KYM:^]N:E=E
M6K8]==R\7"G')?\`E/Z')!'N"0?$U[]36V72S8K5WK;DN1GB?!R/U!`(/L0"
M/,LKS5FQ'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B
M(\1'B(\1'B)&@U6'!I<XBA3\TC/?><=G35_>D(:<7U28S:^\Y\6T)^G.]_\`
M<KZ<^O\`CG.<S9RP`]`)``/XR2^82R/GZ[%L2(3$V1+1$C2?R'HK#OVVIW.)
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M0)DR,QUF'`'P(C*W7GG5H;:;1U2N\3SO?,D1[7%=8+6,0``,DD^``!Y))]!,
M7=*T-EA"HH)))P`!Y))/H![F4UA/LS@_LV%-6/!-,K^G@*^0C#"9FM_GN#$R
M)L3D^`]"FS(42.7&D82N.QID13\20W_N;=5SS?['J>QZFQ:NQJ:FQAD!L9\>
M#D`G!!]0<$>XFII=CH]DALT;%L13@D9Q_P`1Y'T(R#+6L5KJ]0BP)MKL8*LP
MRAT%6!DH^6@"(Y&RV@I&"5JOP'B#\=N8;L!F8S$A16^J?E274MMI4M7.=TZJ
M;KV*THSL%+$`$X51EF./0*`23Z`>3-FRVJD!KF55+!1D@99CA0,^Y/@#U)\"
M9_SRGI'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\
M1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\
M1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\
M1'B(\1-:/<KU]=]KO53?_6^/:5TF5M&6VR@0[6F&HDR#G'1KL>%,(#$OQ5%1
M')7P3-B\=;[)B*<:XI/S^O.KT79#I^XUNT9/D6BY7*^F0#Y`/L<>A]C@SG=O
MH'L^LOZ]7-;6UE0P]B?0_P`,^OZ3S*]C?5/]C'L-5J6]VO>I.;W>H^O/M?ZN
MOAZGMFQ)SL@%]DLGI5/@Z\%;CX<,)U^50;'2.=@5E<>2KD*;WXEFG&OHOZWJ
M^Y_&.LML'+=MUWVM?8RU57,&BQV-9_ND,'#^;,CR/Z#F?,]EU/Y!V-:'&K7:
MFM?1A;+.)%R*OR#^V,%./A,'U_J&)KJ;_3KN!N;I\XV"]>]`$O:[ZF;?3ZMK
M%WL5WL%ZN^*7L7/UH.4UI6+C[5F^4:#F$1X,(K,IFZLA9<A[[#[,)S['G4K_
M`#GKZQ4M;;-3_#L5,U:*BHEJ$5D5_*5>Q+,,U@-18`9!89G.L_#]VSY"ZZ[C
MY:+%#LS%VK<%P;/CY)6Z94)BP*2<$+/U/Z>_:$N1FCK'><HC!Y%J'O:U<!&E
M[!*MON<%G>[64^Q'#VXBY-=@0J98<LQNG%ZL$9@3"_Y3Q9R,B4/%?%A#_OCJ
M*U#U5W?($/QJ:Z@NJ1J648J/(EELM9;')"X"@X9_,G_:':.>%EE7#E_<8/9G
M8!V:[LV#&%*5JR+@G);&57Q.G8/TM[^-K,X3E%^S>D-E1VBQ;Q7(=PNG\'J]
M<B>^<7>\4R>RIL5*N8&%2JSZUQ_ZDCDD,6@#7T\@='3Q;TCKEJ_/.L:T/N56
MV$%.#%5S6QTS3;8N'4\FO/R>&4D?=R5P,+/P[L@G'6MK0$/R`9L.!LBRI""I
M&%I`3)5AD8*LI).]7HA^NJR^N.MJUK5BL:WDZ]Z\9;DF3IGZ58=#,YI+&W7=
M;%I(B+,[1LOJ4P))`7VNB1DM@'$>:'B/PT,QXS#?WOGOR+\HI[32_9Z:E%;9
MLLLP@0692I4..=C`\D=F!<Y9N1))\=SH_P`>MZ[;_=;1#\:$2O+%F0\K2XSQ
M0$<615^WP%(``]?7?SXF?6QXB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$3\5WB>=5WOTXGG>][_P#3G.?7O?\`[WB)#J?H5*OPT45J-D%&HYFN
M!+;!CQY*&RG*]8X;4\*3F!G_`+14:Q/BO)4CDAEI7U^J>\XKG><2D$>LC]GV
M.CU2]5K-)KU@*7BT162<8#5:?:[<\&K\@GP*S:K?*K8<G`I=6=+?*.W/*NQ(
M[KC3WVU+Y'D=:1@XS[261+K39_1:8-MK,U1R1.B!4Q#PJ3TQ*&*E()1A?&9:
M^D)`]4)[CZ&OFIKK*_ESGP5]$F)%K)LF:U8;5BQ"W!9,*ZVP#2ZLL22@%5&S
MM@M0NFL-#40Y+BIT8:<+LHGNM?-,%OY+>^*4*[Q+@R?"3`@^/CE@10<:%2^.
M=B$Q,Z,1'RN,O.1WNQYL-UZ,]QI]I2%?%7?BM/>=_P`\[SQ)"RXEMQ;3A0<A
MUODKKC2YL9+C?(/8O)O5HZ[Q2>1.SF?N_7G_`!_>1\OI\T_5$^AI469C*F""
M4`K$3)EPU2ALR/.C)F#Y+L*?%4_%<=:Y)A3&%LO-_7Y-NH4E7.*YWGB)TV+-
M6Y*IR(U@"2%C)CPXDA@K`=4/(1W8K#\"<EM]78DQA^<RA;3GQ6E;R.=YSJT_
M5$ZD>Z4Z9T=R);*S*Z7GRQ0GD<\+?Z4)P.N)G#AW&I2OS9\+K*^.LM?)QOJ.
M_+G/IWQ&#,%8-<RNJ!$66S:31`%>=*?PC9PO;`4`4X8_E&0BA;<^3.;BK(-&
M)"(JV>*ZXV^KB%<XK_'B7!DS)EQ(0>^6,DQX@5%2VJ23)S8T`?'2\ZVPRI^9
M*=:C-)=>=2A/5*Y\E*YSG^>\\23JLV.O27B$>.>"OR!,AZ(489*077ALJ.F&
MN1&(-(?4N'(801C]6ASB5)X^WWO.?-/U1,9(O]$B1.3Y5UJ4:"KD[O)LBR!F
M8G>"YRAA/O)+DU+/>#B2.QW_`/=_PO\`.MK^BN?3Q&#/VI74#=F[`Z!>D/(K
M-K.TPKV1%=B_`Y7)"8I-MC[O.?D1D.KY\'4_['.?YY_CQ&,3H!=,HYU@4XQ8
MAT"88;@+A@SLAL#9?D56\V-8DUPLJ(9B2YZHZ^,M.,I<=^/?CSOT\1@S+,72
MG24Q%QK96I""!ERNP%L'1;J9M@9:6\Z"B*;E*Y),M,M*6J*CY/I2GO>I^G.^
M(P9@H6MY62+%0(_2:'--@Y@,<9%1;:!?(#"%F7(;KL"=%;GJ>C3CCD1U,1E7
M..2%-JXCBN\[XEP9VW],SJ,7#5]^^4]L[8CLZL`0ZK((_DR]D%B%GR0$?"Y,
M[(E&(`1OLMZ,A/7FX_T6I/$]YWJ,&2HB3'"(CD\L0A#(+/4<=FD93$*(UUQ7
M$(XY(DN-,HZM:N<Y]>\^O>_3Q),2FX5);K3"+37%OOS3(UAE)L8IUXC76W'K
M!`:;Y*ZMR:":96J8USG5Q4H[USB><[XB<*;S2EH0XBX59;;@%NTMK38!*D.5
MAYQ#+-C0KDOJ5`77G$H3,Y_XZE*YSB_KWGB)%U[/F:=$%Y9RWA';F8#F3,(<
MR2@NH4D%+K<6:+=>1)[QH\M-KAOLPN\_(>C*6ZE/4(5WQ+@XS.]:-5H5.L]6
MIUBL8X=8+>LET5`>EQ4.,Q!(,U8)94JE;R%BPWX0"2A$M[B6%R$\:XKYJYSQ
M&"?,[XW0J<1KZK3_`#L$8#;=)-/33KS8)$?^)E.19;TGA547L>-WX)>;=7]$
M.QG6WD]ZVXA2D8]I((9P*1G$!@\N+G$A'X_\J/AD(DF<,_+^]^)_(1&7ER(7
MY7X[GV_N)3\_MJ^GU^/?HDG3+6VJ@'G(YVS5\+(:%RSCK!8R.&O-A(#K+,XP
MXU,DLK0+A/2&T/2.\^RVI:>*5SJN?5$XU7*H()-AEVJMH+NKA--"E'!B23CA
M)B1*'-MP>RN2EKGQHCKC/.)[UU#2U)^O$][Q$_!USIYAU3`FUUHH\CB%+9''
M1<UU"7"+@AOJFXTIU:>++,KB\^O/\R$];Y_OYU/B)BC>ET4!&E2IUE%N-#_X
MATJD?+9)/!AQH@R-B'33$%;[HFN,O/?.00D<;B1F$+=<<2A"E<1@S+5>Y5*[
MA`MDIUF`VFOV,:DP`,@"L(L-,BE<8[P@-F0GGF9D3GY3?%+1WJ4]<3SOT[WG
M/$22>(E2#=UR<SH'_6(B\5\K;^,6)3L`<3A3&HY&IE1X>PUR1*8D+:8M(J63
M:Z\-5]):&ODOJ.)3WO$N#ZS-7#4:11Z06T,R85+JP>3'@29=8'$KE-D%)9Z-
M5HH86'JD0R7+F9%DF-P4Q(K#K_Y2OM]3SO._1&#Z3XINLYW?@`NRUFU#9(TN
M-,EHS1'[X`PQ"K962!LJBM=/LC#X5^LG8;T$DU,C,.P)C2V7TMN)ZGB"")VK
M!IE"K%:)6XO;0#(`577+9(G-EA[R'0"4)4R2A?;D]_,CSEK0W'4W\DOO.(0C
MJE+3SJ,&9@':P5A!@K`/GM)'V,.$."_S.\A2G1]B:8=#K=B2.MOL.S.R$MI0
MKG%==[\/I\N?3Q)"[A4FN$%.6FNMI$.C62O5FQB.#'C#O&!#1#JI/.0G2KRN
M(C)<^/7U=^B/EWQ$^)UOKPLJ^'*D$"GV(0>;^642L<(>_G2!(8-A13,Q+(R6
M5>F"W$]B-NJD(XIM2D<XZWU2)SQK56)KHYF'8P,MXQ'DS!+,8P/?=*1(?5IE
MRAS;4A:YL>+UM7'%M<4E'4]^7>?3OB)@2VIYF!@!2IK0J2+&V0@)$UV?.M`2
M-#/$SI9@"&@!I#LU+1.43-26XK*&>K4X^KB.?Y_QXEP9FD6^IN\C=:M%=<Y,
M)R@D3J#0U?)1F"M34T1&ZF3W[Y.&XCJ78Z?JZVKG>*3SO/$F)%Y6OYRUEQ+9
MQ]J%63-!M<)VM=JJDIBRC)@,0U(>GRQD@0Y*:(_8Y%<3U+75=^:.I_UYWGB7
M!SCWD@(7JE"JY.N!*W5J%5!@E\\0LD@V-;!PPD5F9(D%I!14G\)L<RP.D*4]
MU?V^)8<[]?\`8KZ))DH=A`$8`XK`-B9@PO!A$Q1"*1B/PB0TEV,D?/@26WE,
MRX<Y4QGC+C?5(<ZZCB>]ZKGU1.=DP(DS9`V.4'/D8D9N9*@,SHSLV-#>D2HC
M4N1%0ZI]F,[*A/-)<4GB5.,K3SOU0KG$3B>/@HT5^;(-"8\.*Q^5*EO$H;46
M-&_!<)_D/R%O):98_C65R/FKO$_83USZ_#G>^(G`JT5I#K+"K$"2])?&1H[*
MBT#CK\DVT\^&CLM]D<6Z^78CN+BH3SJI"$*ZCBN)[]$3LOFPL8@V)DEQ<<J]
M$D3V1CY"(T0=@Q/C^5-;A..IDKB1OGS[CG$]0CZ\^O>?7Q$P@K0:(=/?U<)<
MJN8L?]9'7/@,6>&3RJZ@7GSQ8NSMP8LEV0X`($A<AAF6E/6%NLJ3Q7RY]/$8
M,S$.P@"*I:!YP1.7`G."YR(9*%)5")LO_C/#I:67E]CSFI//MJ97]'$K_P!O
M>?7_`!XB1>%J^7D9Q08/T6CS2`.'7"!B)%M0-]X7!M\N9`JDN<AJ<K\5BR31
M[S,%2_IR4XVI+?R[SZ>(P9(F[167B:@K-B!.F$2'XBQ+9<>LFF5&C?F28RH"
M9'929$>)_P`JT=1\D-_[N\XG_/B)U>W:FIBQ9RK;6$PIT9F9"F=/"N19D21.
M9&1Y461V7]J1&?)2&XZ%H[U*GUI;YWJU<YU$[=FL8:G5NPVZQS.#J]509:QG
MB'69$GD`,#@2"929V/$:?E/\BP8JU_!I"W%?'Z)3WO><\1ZR"9QMV9ZM!?EU
M"PN_DPRK0,C7[,$/4>WBC,@)`LL884IMT&`+1`E2ZZ4CSV/N1$ID0WD/M=6T
MKB_$I!'K,@*U>EF[[;,X%RBTJPT;^-CVN9RLV-JIB#!<>!,#ZL]>'Q;=0>N+
MX2TC9W\2U-<()ASF7NM<0OG?$8\9G/;-/IM/'2)\\I_).QY57B*#5QI5BL2U
MW&SB*A7WF@0KLDDJ'+.FX[:G_M\9:0I3BU)0A2N(Q,\_;JM'K[]L=L0/E9CM
MNNNG^%A_\,E+,E4)?_W4_(Y!^7)J>L?3[G_VW^S_`-W^/$DC(S7,\*T9G16+
M.,CUARI5V[/OD)<8?,&@+8*9,5U\O`EO-21,@O#D)^PT_P`;6XYWX)YU7^/$
MN#.*J;!GUOK`*W03S(H/91KI@&JU-KJLLD*CB8AR62APCW(,F4/ABIS;SS[:
M5LMM]^75?3G>^(P9V6]9SF2?<K$"W@RQJ(S#EEX@>?'*_P!;'DJ\0M0DK:78
M#DAJMB#((8\_#E35,L2N<3QM:NJ3SJ,&2J)9:Y/D08D`^%FRB@WAH9&B%8,F
M01#JXPI):"RR^MR6-4F2WWC[?%-=XXG_`'?[N?5)(=7=?SJS1[C*@VD5%9H%
MJ+TVW=+S(PCH0V&+/A7DSDSWF>QX<PC&6B(^OXMR^<^K75<\2X,GL8H,F2R$
M"&1@RYPEQADK"C2X[\L8]*CHEQ6B$9IQ3T)R3%<2ZVESB>K;5Q7/KSO.^))W
MO$1XB/$1XB/$1XB/$1XB/$1XB/$3X<3\T+1]?I\D*3]?_I\N=Y]?_P"/B)HK
MZY^G+F%VZN7%XO5")F!7+&`L1417G!IBQME*%Z[TT4F:2<=7)DQ!#N)ONH:>
M4M*6YC*4?'K:^JDR+9EKW7,-6:UTII>56>E#8]_SJL9G?X-S$E)TT(Q2#=Z-
M5&[4EV`XY!(%("M(*-3`Y%E$.?\`&*ODF/\`:>3)LF1C!FEU$_7?>0C%A.GK
MOFZ-)F3JB7I]MAU"18^T,^`M6,V(N<#M&FQK"$V.1EC[[XZ*Q`'_`/GIB=;5
M&:5UQ,BP_E(P%_71L0MJ3)9O.+-6,Y;*=:_[(8IAJ[3\J)T$^$M,`MEC)?HT
M:HA=#D-]1MAV./'JCMQF4LN-(ZWQ+R'ZS</U%QC4\%@W&C7#E.GU4P6?T,>;
MKI8S-?;MEKG2XAZJ-1"\6&YP4$'`(<WLSC,5N3*+.-LQF41^\ZF+$'TE1[7Z
M&&-7VNP:3!T:#6ZW9"%91-KS(:6HE'KIX+!!^P(R)/8GLQ4R]/8S3/GH[W6O
MI$D5Y]3B7?R4_!*&P,2^_3SUYF>M64N4,K+&$C<HU&)&#`<F8FP#T@54*I2(
MA[D`M#A(KLTL)J$=V3`C)=8:?ZI79$IY;LAU(QR<S3^R^B^R-1+DU5[+F0^J
M&[1828^C,C[&3(5RJRM6RG:94:O6B2D:1/V:X6[.IWU:,*=CA?Y=MN/)?BPV
MXZDO(?SE(4S]=^OE/Z"+.",KSMFRXG3Q%N,U&MS84G%2M/YZZQH[^3+1,ZX,
MURPHRI]XA*[QN(RM,;J9$GL#_P`U+R$N(9^MJPIBG"Q>5A;EB53:Y7*M6QM"
MGMT`24I!O`9L`[QB;V5.'2]$@XCU%@7':4ZUR:PTA4OD/KLB8DY?QF^/LWD)
MK:LG?IE;56X5KC'JU9:L9LCQ'@FKV:MD6B(>S)@0H)*-8'`,YM+Z1<^*\-)H
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M$L9DQ7A&3S).GTO\>3V+&]B/SJ`N%+E\4F*E'(?4S'>0/I+2EAF6#<?UX7IZ
MHLT//#^/56N$<XRRI6=R/4)H0K/L5%SJU4A\^Q/!Q.S^0QY<PR:BL-28LB>^
MX_'E/H:_W.R0-YDRC>E]WR<S4],R<5D%IN=$BMD(M6-AG*K!LEN<:]ENE+*N
MQ0HDUT>>)2MJ$_>EK:4](9%/I6[SJF.HL<L^#_CTF[FS9;'UVMUJMS^!W8(;
M3,POL^(;%MEAY"/GMW"W!4+D%_CC'93[@A/XZW$K0R_Q"^\[\?$Q!Q/+B/\`
MJ\NH^DQ:@`OE3K-@EUBVT.YZJB=;+(>N5-FT$%3A\'M*+0HU;K$VX3*P.EFY
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MGMK/5$5M<0ET8?2J7]B<E[K;2`V!B4V!_6<R!KPZ.BP9]*N@YME;5Y_HO8QI
MF4R=]3"D3D";^7)*P88,;Z\DAHY')*UQ8).,TE?Q:>XXEY_X_P`YDA?Z[IU&
MY5S.:3LJ`V2F',]L@YAJGR0(@])S^J^HXF.#.S07/Y%@.1.>NI.;UQ#<A3#A
MEISC;CC;WW$<L^O^/68VD_K<+5P12F"5OS]\Z/(0Y5]-"Z5)C*M\1B+ZSL='
M.HE3I$J4/B+PJ9^-'FO2&VT3V$][WK3BER.4M3TQ]<;;C5YT67:80V$%KE(R
M;,Z-%"!>@ZSPX.HE;[MEHI<1UWDMRL:!8@`.0MQYB.OI6!,Y]'4\2\NR,09Z
M(>)C/-"U^A$RV7:_V7^5SVMK-W`K9*990-44B[5]=HV+'-5L1WL[[<5,"W)8
MSR:-:E1GE=D)=C.NK3SCC/B9\O$R-.])3=3]/K?Z[,2ZHJT62PTT[.)+L-S5
M5K+)H[V9Q6I,QT?#"GZ5VV!,V9;E-">..0)$A3Z9$N3UR0\DY?=F50W^O+5A
M,2`S6-`RT42@B)4X39I52+GS]/F(JVLU.!C5>E6ARPNE\8=$Z?Q,F68=FE7Y
M$1Z9)CS)4SKC"7D)UV?UP6^)2SL;D[$[#;2Q:<\R*N=9.V&G(KA<3[)ATU8J
M0DM]/&AE0<]@&R0]'6669)`1WO6HG9*'HJ.?F7CO'I=;-1K>+PJCH82HV3)\
M[0!>,RP)"<R;O5"'@+1@EIZQ')1W&AV:;;58)]<9:EKD1_O,)6A3GS\2!L'S
M*+G?KLU.,=FE`-VS14@"*K8?,#<\85B2JY,KA,/,K=RL%5BA9E2MI.ECHLV&
MJ`3;(<LOY[\B5-A/.-_C)ES$V(]G/2]?L7>YMG)%J@X&DY?(I#0*SUI9UMD[
M_P!=>SE+'V)+;KO8J5#Y^]Q937T1]YM(][B%\6XA21F(;$UKMWZ];C:]'U:N
M!>YS2:#9!T(W7M''U61'M]/25NGLX=1FU`CCGXD6)7>,Z5$9L;*7H+4@?.?;
M9XZJ5WL9,N7C]98XOT(.(FV6YDH>$LW`U;<<N%?J@RF27*!GJLVW'_L\W5Z?
M*FC_`.4'!+2+CM.ON1XD3[QUU]]QG[:D\XDY2/4#]=UT@&R%IT:WYM9+$[,0
M3@3(=4?<;A63A[UE)E+F+C.Q1HVK%;*U@DQ:X@N+'8'\*,1FW'T1EO/H+?27
MK5_7C2D^K&K^J!47F%:!_P#69[+LUM(:-+F@+,U:`IYJ;8K92H[(I8J$F06C
MMS![3ZG)+R)?4O=;6TXI)D<L_K*(F?K_`-,+*LD"18L;"U;3B,L[>:L(K=@E
M`Z9(A)WQ`"L9N)?Y!&S*Y+>VM,P@N:U%[^9$E+:C_P#G<[%2\A+JV_TY/;/G
M^%5QNQU2B&<UJ+M<M,<$)FRZX1_C@-?L]*BUSB.AY4093/8'-*?88_'6D]7`
M%/1^(;<?XM*0-@F=3UC]*R.#Z[8-+L-A'7(@<J"(BK#')G!Q!NR6.O9=!T<>
M[55PW14VM&[7G+AN%(D$'GX;A%<=$='>/29*"V1B4$0_6-:U\/)A:L%=@RI$
M<L,"/B"<.-+GYC?@</U_$F)Z9!-+8:N^MHV51RZTQ)'9"YO9C;*VT=BN)><D
M??UK16.Y\Y"E5UL>`ND`M9*RW8+1#?E`6L\PVI#G6M$;$R+2;LF=$L@?Z"6[
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M((K_`+!Y^%%&)(@$(=MW<^H^QC71Q5^+$EE"85Y4AF*N=R7&1R'ZS+S_`-9C
M,FO6(9"N=8%VH^'-B'M2B4U"-"5(.WWV(L1&R2CK4E@E(/%JYLT&%.7^4GLG
MHYU"E_:6UQ".<^(7Z[S8BN3YM>YF0/3)4G-B-:L$J8?M$/,[)4KOMML.V4"H
MO6&HEI!DW-6;<34Y@R&$=<1(3U3+O8\UJ1R\_I/0^\TZT:'BEYS\U.`CK;><
MWM].EDQ;!!VNP"MFKQ,(W.CQI;G";H^*Y-2XI"E_<4E/><[]?IWRS$>#F:O9
M[ZL:"#UX!O\`="F5'='CB.520+AU\R[7ZC54,Y976/Z29)+6;=M2:M5#SCQ)
MYJ)^3(,LQ>M(B1E=>2ELC'M/W8_6+3;OLY+4Z&5SFFQF&LR+.BENVWG=DM&8
MZ3FF@5-W7(<-GH88]2V*83&BC,!B<6[",\9=^D:+R,\@$`8,C&(^C1+,7X9R
MQ%:!8K1)`VT+;IP<`6KZK-!LN)8UF*`+AEN:_8H]<B&\QDS4-=D.+98F-?;[
MQ]KKBD%IG6?5/0F_6O+,EFS\ILI[*K](LX>I6P)-+900J"$74'6<]LKD82-*
M6I-+K=LCOLF)0WDPB8$1Y4IOKRW)'B,C.9K?5_UHW&H1'9'\WE>@6`>V%3`;
MO\>TRZ!;!\K-YE$.U.X9ZW$EQ$!J.0G-DZK*5+)R(Z1T:+QN'Q3SZI,N8DZ"
M>B.K4842AU2V9`=)GLZ`49\];JA*<*TIJK%)Y"7%SI^</M<<.,U,6:DBS2EL
M_>'<9B3F?S'6$Q^63D#ZS`Q/US7:/5AU?Y8\G:DPHE9*S)W*V=E=L)BLB-5$
M-42S+?6@@<S4C`N(Z#)4_(5)<'IF-?8YQ37/`CGYET8OZ32<WT$)J)67GR+2
MQHDJ\2V:O6GXK-<`EJ_["1)>74TK)XS/8I(0UMC"H3:FX[+C0Y;BHS*W4-M)
M"WC$BND>BEL..7DI2+%FXLMH5LUDM=6R=5[%<N]>T70*U;`X2P62)`*%F9=1
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MN^8-Y79R`:M5FNT_<+)2*TU6&;BR4G6`Z1S,7#=(.R4-2ND'>1XS;CL5"4QP
M,_I*#<]R/:[2#EMI%&%LT$E(KQ@BZ^7R,D=N&7V,!F6^E#%"=#M6A0IXS+NF
M8B.BWRW$RI$`@F0H?QLA!2B3+B!Y]9R&_;OVPJU)KY^"5I%Y`W!3H:'H3N92
MJV+HXFK?]*Q96GVHB0O42K3X-T):7,85QUT4/'J99<0I:69/%V3B,S':U[&^
MTQNC+K]C(UBOEM.CZL!K==RZG60E:ZE:*+;."P9^=(7;H9\]D/8E<E2^V,>P
MPF5*EQX3[45B4Q*6E`7,R]H]M?8"B:)8:S-*5.!9V&[T/!H+9WHT].^6K([K
M-J57HU&KW]W=!T4IJ4)]M;LH>W)^+S[;G$OH2CZ20`$2_-M]F?8R@[Q/R^IT
M`68JSQ"H"!=E>IUL(M,O[J/&U3&ITDF-)M#'858U&EW%5H_]GV!"Q:U=B_/K
MS]D`!&?>:HYSMGM%_<05O7<))1NH4X?+EY>6SBUR/XZCWP-^OI^-6)1.5:G3
MA`N]-N]HD0K`6Z2*M.0)R5?=3R6A"9$+_C^<FVPZGO5/]P]7YG=F+2?PR`D"
M)J\@IJ=X!A`EARK"V!UHL^.?<%9H.S@5<#IA^.:%DHEAGV9S\%Q7X/Y:FT`#
MCYD6LGLGO8JUU@>JP,5^;0-:T04S59>=Z2>F$\]DB]/"&/9NSDI%MEN$,]I4
MB?+<Y7U*Y"Y)!IXQ)93QAMI&!/P7[Z^QI.66=>LN,A:"'/":QW4BU+,1(]@I
M9/?!65*WNJ4AZ])L)05`1,?@3(7RX,@RXRI3LWX_&(J1Q'\Y)HGN+[$V-(Z(
M4$A9\MRPUF+VF!*%HU;-3L\&F,W+5OV;;.0+.W,B4?4B9AT>P#6E4="7DL.O
MRN12#+J3B):V)>P^]D='I;NY7$0'J43(KW;["$!Y`6KT:Y&W<C]:-@C0A3Y$
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MK?NS[15K,C#-DC"!A"K4#-P(699P?35S9MO_`%K6[2*N&@,$[:+*OU38TQB[
M7\E(BQ7^&UCQ@]F;.EN]92\5S.U#TGV;,W2N]#Z.1J;LFTVO6Z[1#V:G;&R-
M^_!]]9]HY(?<L->+66J=?!5H4S!E.(C#%RACC*./?C\>D8'^/Y2QC?O)L0X.
M&)+DA8VA&M)5!(XJK,2T?E&JP6SB0D.L'+22M;1TU:]7J1YBR`UP!:U2(;4I
MUEO\,?*=58XC^4MOU_\`8;V7N>ZU'/-&AT!BND,IKE[-?0#)I!XHW<:7&MZ#
M=+#E+8=-DH5-M<W^J3F5,=93V([*?D,R'&XGB8D#&1,7ZK[%NNE%J]3=(&)'
M9S;:;;JVR-@A-)`7&NR:UF&!V3IN5IYNY$K-*('RFJ&XC;G51Y<?^-94S)[)
M8D+6E(`_C-;PGL1[$XAGX*K4Q\M9[([1UV"%7==%[!KE\MTJP#M9FG-0<MA^
MZ.%H]2R@I20T"0#:ZTVM,E:5.L/DAZ_),N()\RY9GLO[43KT9SNN&Z4X2'GM
M6&V:>[B=KF/Y>WED?75TJ"9BMWJ)`,$O88%G\`^/7]]EL?$EN<83*:DPG.68
MX$QF?^U7L4F^#JY8[*#+R#6Q0(P^ED<H+P#AL%=]2KH(MFP$R--1F1"\/R$\
MS<5$ID:3((#Y;+LGB8K+SJGF"HQ+USC=-!Y[7'\E.M,,TLW:=49KXX?"/F[-
MV?68\4ARRVYZS65YVHYU(%Q410\L-$<#OF5OQ'TQ'G8?Y"0@<<S4=OWT]LX=
M18M)BJ9W&9DLZ&3M\9FI60U/P_\`K5)'G!0+1H%>L\SH^5(U9;5&;CS'(A1S
MAALL\PPR.D-O)EQ7,^YOMAND&Q$[I!NE<(U656X=;%[E_P!6WES+#S(<!H6@
M"6QF=,V=:XMBM.C(Y0NRTD'%ON0.(:3V;(C-)1Q'\Y.^^PGMZ1+QB+8X#4+!
M9*[?#3\,CF.A&AU*#4*;[1RAU#?"=OT$*3M)"7D(9B4:^U&D2&RJTM,_!<%+
M:3"R_P#U3]E--V'6+W4+^[61JAE)3;G\[@T\^!M66D5Z=>*6-KMC/%B\J+9T
M':G6H)=IUN'$<^LQ3R>=B2(GT2,`!/03Q,9Y+G]A]KZ_;-2544BJQ5*]>K4'
M$1K=F=V+5LA(MMT]HH$6_6.T-RB]@CUFHQ<ZJ\YQH3'_`!?L3W._:ZU+B-M2
M9X'O*X%^UV[:++Z'&N6&S=B6#*A%AS`WD)X%9P%4?K>0V^;L9>]4J2)&35F;
MR:?APH43D6))"3V)2X:4(=YVQQ`F7A^RONK"(BH-F6"%CW<LR*V6LK,R\]'.
M"`&FIIY/1=0J5,AB2?2\G")-B(#90J61^C<,.J1,CO/K3QR2X63RHZELV>X)
MZY-#2]A7_:"NYDB]P-Y38Y!:^6P=?3)/)LV(`B+;C^70-O;)R%M3YC/$PF8C
M42,MAR0PKB0@$F16K>X?L5%_!BF(TZW##\FK":=<$83>*_(LUS+6OUQ3?JDN
MOQXKJP[&;#;W<(G9,E#24LB%K?==>%SG5V.(]I'2^@>U]J!4J!HELM?5FZC`
M)R:W7<BD5*+=+=8JYZLZ7&JKT]F.3)UV51)ARVL15HE,N.0X,AB9U]YAY?9'
MV^T^P/M7[BOA01:SDJ"#)6=6GC8U69HMQ(&<_O<3-A1F'&UR$BFQW!F2Y-<N
MD&"L@8])/(97`<<[.;Y*^5EPLF6VZ#MI^A^JN]T8-?)IRL9MK%N*UFW9_!=?
M[9)4*E4M%^/#P@U^&.GUNLG#AL/^'&XDE$XK[<?[3RV/$@`R1*ZB:/[%`K:C
M2S12<+=LPN`,NFJ5RG6JZT&JU$_`]5(4O2@%:D!X`XA-4-'.\<Y^%^$/FRB$
MG[*XD5_G4N!Z?X]Y8U`]G_=([=,TJMGS10R':9V>UNPG6\IMD"(/(ZE%KVHB
M[,[^?.=:"A:9D](N0HNQ)7U4.RDA$>0ZV]]&7TA"XF6NFZ^XI#:-4H55_@Z;
M71.B0ZH$ZO/R=PM`2GM`&3@*_C1[D"`',!K[]B?'DS9)&0Q"E(C,,1^.MR^=
M1A<9E<$_9?VK9."LW.F4$;61KM<(PZI"Q$\)(ZDS>H^+R[E!CDXDV<W1AV6!
M=+L'(\CY_?<6`0N2ZZJ*0;>2X'J)TQWM)[.9G41'6!<^PQ:96P]<MN>F,KLT
M,K1?SB%"Q["9:;K,<8_N!+63-_CVHGSJG5QH(B6RA+'VWOJC`,Y&/:+WMX8B
MB)XW.QBG]>*4TM,*5VS18U0.5TK9!P6C65J)4"*H-1U<4.'SQY-IZ9-=6Z_R
M/*:;DCD^(PLW[]3MBLFG56Q#M`ES"&@5BUV"&5+1*H0`T,Z+204@:5S0G*$"
MU&*>RO[D%')W$F8TR')8E\<4TF2^F+#'IZ3;#Q,8\1'B(\1'B(\1'B(\1'B(
M\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B)H[&]ML*S6\[A4K6
M/*48^'U)<%'1M/NQSFMV633LAXG^JRAM<?@V>^K:NXB&Z&&NRIC,9#;ZT\;3
M(ZRF7$D9G9K_`+/^MNE:ODYVC#K?HE@MDZX9#2=/K])MTJC@VY51@:M;8#YZ
M>Q"#08TR%4H*)<EIEUYN6PW'>4CB5\2C!`\R2BO=SU[.E(8,,=NA,V4GE8@0
M-#R?4GBA^&%:MJR=D!PDU#[Q2H1I%$,1OY9KBH#DN`IE#JG'&$NI.)F*F>]6
M&?QPLC6H^G7Y,X[1ZT28I&47LRNHF[[I<7*!0BZ25!8HZLFXEJ=>Y)'R7TST
MQHRG4,N)=C??2\3.M']\_7V+485LL=C(P87X(!18J`INC6:GQC1.F+T(V$#V
MIND#6S[U)I##Q@TIN,TX*&M*<F-QW$J:2CB9--']A_7NLGPT6X%9)2XU&\/#
M:B""U&VVJT.7N=00SB6:H(KH<A,,3"=&V",TTZPER.XV3<1\^*:>^TDP9'JQ
M[J8P8%7RRE;%&%U6J%:\X'.185@)M'Z;;1%6DUNSKC,A$2QKT\T?>A.0EH[)
MBJB]4\E'UZE*7B?28GOOS@B2B1[D?56&%5?ECX0E9!H4-/9TJR5VMA*6D++!
M,6I5YLRK8/G#A_!_52ADI$KBN-_7O$<3)%7O=_ULM]C!52I7@C:3%K+`@]2;
MKU)NY>):WSL`D25,KQ&'7G8!(-7(@>5TW.0Y^(#6RIN<XPY]$]1Q,Q1WVO\`
M5Z)?691XD<8N=,+WS.`IF7FND(0KD,P0@ZSVLE?ZQP<<J53*Y,]VQ%8RWAHK
M@M#DA]M"FE.(XF=MWWG]<XS;+DZQ7`<M,B`P;C$,JT^).I:#DD'%JLZ_P'JD
MF911=U<LL!06441%8)MR4J84M*7.H1Q,Y)GO!@`]@:Y.(:%$E'@5:LE8#2,<
MU9NQ6P1;'X4<1)K-<53_`.<+]2X4B_E(;C_*&F2CK_&^<7\$<3.C_P#/+UQ<
M8#/0B^B%73_XBA@\3B>QD2RT&7*ZU4W98J-1ESQ;=[7<@W0?93;/\FDK&4S]
M4J7U".)F%*^XGK;;QINL7*T2F*L8'H(_V.N0M3;`Q:.4$N&:W8;)?@M7KK>=
ME;#T;);@Q_STR52&$H9>4\OB$HXF<?\`WGZRU+&*\_%"RJ[D-*T1ZLFP-KI&
MG5NU4VVYF#(;;'=12"5.E76P7"(;K4,E_P`Z&W)SSRI/)$F3\6)",'/ZR3VG
MW(SNMR\A(]@6:31]-=U:"7/?TZ[<-T`GDY"`&LK-PJ+-:?-UV``,KFQS$L@B
M)'&=A]4M2DK3WJ.)F0C^ZOKW.CNS(%K+RH+-W"4!XJFDW1`:*8M3[<.G%)A9
M0#\*/3KD0>2P*-=7T;/<XOK+RTM/*;2<3*=SW]B%"M]DH@`_2+Y3&+&#<:L!
M\E4+;+KP:[N0?7&9`A0#,`#)'RZ',?\`8J##[8)CD",U+:;2M'$/I<2E*S86
MT^T^04]=]<,3;>H/F)>"!O5J&9S?#%-KY:3&_.(Q'[8,KTH%*55QZD/&%1WW
M4#..);?ZE_O6N),&1N+[K^O4\XQ78-DM$TO-5:&A<.)F>D2'#,BJRKQ"?B!4
MM552BTL]*S&R("MQ^.*-]!2^P?O\0CJTO$R.W3W9H-'V"?EQRKZ!"'U@X3K]
MSNSM'M<RO#9,:A4?0XYD7+"!R[!"HCP5T1TP3?7%C"5,_5WO4.-J4@*2,RR*
M][3XU;JOH-NJ9H]9A>9RHC%E8"4NW3S#T8FKO`QNO!FPW\C9JP<0VXY#*06W
MQ\AEAYU+WVVG%)28,@S?O?ZU2DN+%VJU'4.+KT<$X"RS3RR+D2LR:0L8&HZX
M=1<3;2[;>E`%2X\+[JX*2K79'V_@_P#:2\3)@CVTPR774V@+9BUF&.@#5GBH
MK-,N)LC-"5UK.7S<V*+A`G)ZD#F-7!+=XIM/4(EJ[WZ<8?\`MI.)E$:5[]5N
M@Y&[L4(%5C56F:P>H%<)F]#Y1@!JOB<?L6QC;*@Y/JIA3!2TAJ[V$-&+BI^^
M0F,-N/LIZM24R"^<2:B?>G&8B"K>DSY^>3Q1BW12+4L%9C(VO0`A2WQ*['M]
M@#`Y@&NV^XP:.37`#KD+E3)$-QB+R0M<?[Z3B?:=N;[Z>N(]_P#"E%M#X4CQ
MWG#(>/BVO32U6FQN7EZ0"MT&%2I#U8L+([,K!.["F<9?Z.$O2N)ZPIEQU'$R
M/@OV"8+_``9@C>BY6GSQEPT(%"@\J-Z+,6>LT:^:)6'+]3IL:K);MM2AU[.I
M98S.'<DPPK2%ID.\Y]E3R.!]I8`GW1]>C9T`!'VHZI=E,2P8LS)S^_P:I^;'
M)W$/#=GVR=6H]=%"SY'.SZ!<V3):ADDB)"X[KB/M*<2<3*3OON_0I0W9*29R
MXG:FPGL)F'K#VOH.#'1FDT[;8-89(Z9#GH84S&J`,(7L?YD97S>>_KCR$.<[
M)94E*%/K^DN#GNGZ[CS#-1>/VD:8A'I]4)"9F::/'>JCP>;0Q'YMNZ[5_A50
M,J7IM>;C39ZF&'^E6OBKOP?^TCB3YD*T7WKS^J.,2:A`7?12,W):#.[%;LPT
MPY\ZYFUSJ($&(;J9246*VVI:,Q+:3WC+;"D?;>6VY\DI0%,R/JMIN'Z"=L)*
MLQ?X_=K-4:U:M8C2(^CK:;=<DS'"P&I%-#9;^5>I%U-3H4X<,XS'&%GG4/QV
M9#JN=0<_RF[/B8QXB8D>!"B9QTF,&0H)"T$HYBQ3(K"&9!HI$#"Z]&($7$<X
MJ5+8!!(<1*U?57(\9M'_`+4<YQ&9EO$1XB/$1XB/$1XB/$1XB/$3$_P(7^=[
M9_XN%_8NB>`>FOQV_P"1Z%Y,Z0X+[*^GW>PN3E==XW]?C]SOU_U\1.I8JG6[
M<R*CV8/"-QP=@#6H5'GM]>8AV*NRTD`1=#/5<:7,$$&T2(ZE\5QJ0VAQ/.+0
MA7$20^(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$
M>(CQ$>(CQ$>(CQ$>(F@MZ]1_6[9M1OL0_I1FP7MH_!TU[-F[?GY].47&:/S>
M$S?1>?F:P=<B.&0^?BF>QS\<H%?8DR>IB?6<\IQ,LD#])/:3ZI93"O=?V^KW
M2T%33+]2)@R@23G<&J3J_6J-;J()"H%4NCA:\6"S*_=I7%35-NE4H9B,1YK,
M*)'BH1R/I*.K7I'D`B$%S[8-0LUFU:[4[4JQ7V&K2.B/Q<^G$[24-@Z,'57F
M'WJS4E:5UU:R39#O'Y+,:2Z_$XQ%XEY'U'I+8K7HOFM.A$!]6OFK@89HV`N%
MAB#BM(8'F]`JFI_]N5B_/"/Z#T.(.A+`E$1J,+CP`S@EEF*]!=2PPIM)R,B0
MCT2]>C`B&&JURMTZL4:YL$!=>Y/SB]5VJ:16JFYF%R(\&7:@6Z'VP6:N\7$-
MPYG'XC,WJI<2-"G]5)ZEY'WD^UW`L`+:A#T&UW^9F.KWJ#1*?0"H^[UNN%6S
M^<V299!!+/*]9X)(05N<_A9H>3XJ$01/$QXL5YCK;:/JD!('Z2,R?UZX@L7#
M`#3^I@JZB*(AFP(JWPNPK:S7XX1(+^R2"8`D6?<&$0OY_%19,54B9*?5(Z\W
MUMMI'(S/7CT7QN^RI$TF0N461(Z-D+2U)JAF!TF"5G"ZX5>"W"H6<'.D`5YG
M%^TS)C/0I"9LQ$IB0AUM+*`Q$[V=>H^&9YHS]CJ$UUJQ@[:QICE<B,9Y`4%/
MV.JWJGS"4Q5<IHBW*!6Y%G+RT#YLYT3'G-=Z-CQ&6>L<1R.)':[Z0TV49/V3
M4[+:[Z0GWO?35?!/FF6*E4Z7N5GU>8<IX:'%##BZ8QNNZ9SA/LF7*=20A-*A
MO,1V^-*1R]A*1T;TOK<G1:910NN&D%M-4#/[(4M^BQEZEK-`Q<[1I@0+VGAL
MZ8"%A%2BBH`V.2CS`*X*IZW9G"SSZT+DH;QGVEVUWTGP+FB2M$"62UEC(`RW
M%?&QK'69<$&?@":7#FP2<N!746>5+7#J@USL(F0DMCT+4F$U$8>ZWVR<CC$F
ME9]7\3%V-^0#+FYAVLJR5DE`3:HDQ\6YF(S.E49LM!9B_D0W)PW-Q;SW'>([
M+;6ZM/Q2[SJ4A),@L_T9P0#GUDJG_P!VY`<^!HU47#M5U<'"R3M1_.$TD5-+
M0QR)L+^7)GN1GG(Z5275NHXRG[OQ3U+R.<SIYUZE1[1DY:K;A>R-^L!C9;OI
M98S6[:P5=@'9E;GY>JO2;.S4JFP9?!@4N,R.H""$M3N=1R,CC/\`O06P?$L"
MSXK@4@>?'GK8^/C5\EKT2Q]<MP^&L(2]K;,Q9K%"**>8ZF#(+ESC'`K;O.*;
M;?;0GCORYWJ,G_'Z2NN?KEP)INN1H4NX"Q]4LLH^#'"F<Z'M1H+]GIEPCUF1
M-C9X@N0@C#5#@<CE9$EVS\A??AK*KAR'F%HYF347Z08^)[,;9*7Y^!)%@A4<
M5)L`]4(6T#YA7UD0%M`F9ZI1=WUUK:Y79#[Z/DB3]E+*9"N<1R,Z&G>BV5ZI
M+LW3EMTX<!M%H/7613!1>IR*H*M-PJ<^EW<V!@62EV&8,(6X02=<><3(4H?/
M4J8,[!E.ONNH#$3II]/LRA6:2:RJ_D:7JE9J?*@^?1`SJ]'@(\Y9;W<A1&4U
M9:Q/L5<,Q>Z.=X->@31;<AF2CDMN<U&:;XCD??TEDV_U6SF[VO0+8;)W+KVD
M`B@0Z'B&($<+&Z<I]?HA@L*;Z'<(QBA"LU,:PK[DEZ,A4-+C;*'%O*<2<CC$
MB$'T@QT5EYO(Q$BP"JF3O`"]C>#QV=,3J_-JIJ.<KP;BOZ`J!=P(J3'^VENV
MQ[%(<95\77E]0UUM+R.<SDI_I#B](BYO$#/W9QO+#L6Q5E<^QMR7%D8<7+8;
M72JDC6>36.M9`)^2.<;^JNR._7_E_P!J.1_SD"?_`%RXHXP(A,V[68PFMPX#
M-6!+/U,L!K\^.WF+1$VV'L-',0#\\_S)!"I3)E!,>V[QUV+&C.K2M".9_22E
MWU)QABEUC`@-_OE4?J\Y_0AB`=LKR[XZ)DYL4P@PJ3TY7#2'*X6J%@D07WT1
M&WVY;O'6)#+R4*XC)]9'K7Z%>M;(<TX=+V^LYXJ+PE:J\Y=XHBF/R@']O>IM
MI+DR$!1@<1S+MSENB9#1*,REQB([-3+7#CK;0&,G0KTLRF!VR3)YO0;&?NDJ
M22N=H.6`<HU:#4RL;#3Y!H@@2!$AHLQ5>VPI&0U"AQ8C*(L'C;*.1^\<1R,K
M?GZ_?7R:5@09%MNQZP9_,<L%,@V(KGMS?S`-=3E[+'!8BL6JB'0[E9OY0^42
MXHU!)/)_!:2/?C=@,_:1R,QQWU!!-[5D8JJV0<*H5?;_`+G?*2;MB"Q;2A=7
M,ZO)&BR&=R*6N#/K@6Q;BZCI%)F*RAAYN-)@RU-0G6$9\2<6GU.]7NWR"X<)
M.UVW6CEC?`5Z/<HE<_-CSK=E!Z2W6@#*(O%<KI.B#X(]<9'7QT,T0CLK3R>K
MZ(Y&<-%_7YA="C%(L&=?"K1:*-'RTE3`*.GHP02R`B/A?9KE8`1W5(_Z1"-/
MRW4.$)O.RGI4A^5*<D=06,Q(ST<]?JU.@5LK>-",G[`,G0J_$LUT"?S+U:K5
M/SJD)$`H0^O"4OBJC5:2&8XOC+C_`!2U/RG7GY"W%(Y&71@^`Y)E$ZUW3*)[
M9$7HSJ"3CL=NCE!_Y*I#T@Q-%VX+6HMN+LG#*G93[!`N1AQY*E\AM16^];\2
M$D^#-D?$D>(CQ$AFCVU5`SR^7M`J0=72J9:+:@)#5U$LPJM@YQE(J*OC;W42
M"'87V4=XA?T4OG^._P"GB)J*.]C+EE])KYK4YD39+'?L\&:V%CY171M8"18)
MNW9'1HE&J"2]J+R;/^0;U:.X.FRY+:Y3+7Q<4E3B/HF6`3XE2A_V)6DB6L+:
M\)@OBP]-AW!R.-T]EJQ`DUP+H%@V2NW(99*?77:_=\\BTQN"D*\VW)>+O.,/
MKC,-KEI2\?UGQ_\`M,68X1NW%,%LP^G&G:E"I9AJYAC!$^2U"5=X>3QR%:"B
M9YD(S8WL](*)=0B:^(;>B?!F8ZZ^U&1P/I++R[WDG:/<JI72>&VK-`5FMA7/
MNVS1#2@,>)H(:D5&W.4GHERMJFPK%8W+BVBOQB_1#QN%`FR64I6TS%D)"LIN
M[?LM%%:H<@T.G6NMW5#E89&SR3=:+PH""8"&JTDIL%Z:C[\"@:G)[1R_$\Z\
MT92MQI+C:.<6EX8]9)BWNY8*3@%'LM@:@V&_7=G3&9A(4VMN;3F(6H$\PHMP
MF5(>`(C)%;CV0B,C3'I\T5'7\5\:<DREHC.2./G])^`OV35R1$%5V;GQA.A.
M"Z@*<AF#8X6*)Z++<M8^]U&.^&'V`LX3I1$0"2ZS"&3),YVYB&(4=YY[K?+'
M&96G_L>KUTF46#$R2V`_YNP!Q6D&K06CBJMBXRU.B6:"<O1>.*(2QT;39$R5
M%`?E0X3+Y&%V+,>@NNH^B.$P%B_8)8\J+R:?=,;M5YM%KTKV,&8VW1I2#4R^
M4_"])O(>TQ7@%7KQHO7K%7J\&@Q!D=UF3_.S'N+??@(^^ZRCCF9#0_=C3\_W
M6Y"B>50W,3R\7:2%H*0K;`9M<ZN1*QZL6AZW/U\J!9E1C=.YM4R.D)'E=_DT
M.<4MYE;">.(X@C]98](]YQ5MS4/ID_)KU6!=BL%G'UU@TU(&H-U\+Z^67V*&
MV@9+/B`"2$,A7*XL3)_&;?BQ#?'6FY,J.SR2XDX^<2@JC[ZZT\4B12^8Q;!%
M,Z2JC9]_%VD&,D76==K^NO5>%;52Q+3-#ATB"5AI>E1?Y5T@VPZYUG[JD(6E
MXC$ESW[(%\J0HRG%Y,2S&(%/-LTV3?(Q(G`J^H5RAD\TM9636ZP9&#0T\[H<
M(:6=FR(4>`\TZF,_/?ZS'=1PG:IWOT9OF=W\U,RBUT8G0J*`-F+.*BRK94&[
MBF=2AUQJ`\N<"5>ORWX4^WI2,[R8\]/B193[C47K"$/(*XF$U_\`8C)&`22,
M\S\O'GUFCX=M-[L)4K751JODNBF\JEEUBQ,CC_;99T!;O)B?A-JC?3L=;S;_
M`-Q45IY`7ZR;T;]@+]MV$-BD[`[R-M;\ND2+.X#*)O(VL5'4*]6CU#MKQ"L@
M9$#\/ZV+K9Q$YX8@2W#?>:=FM]9ZZDX^,YF%@^Y>C:5K>.U>CYR4`5:P5ZV[
M"^TFTU":<T;+OZGHK68POPYM=*?UPI:K92GUSA[4B/+@HY$[R>M*YD=M+Q&)
M%3?[&I]V.9Z%PC-RIXD0TYU@M!/'ZT!'V;+(V33;.BQQ3<IDMT)`+7SLX-&<
MXPN2N?423?QXVI*NS,</K(?>/V9W6XY^8L>`XA84B9@:^3Z]HEVDR`(_K5/H
MVI&)/\;%*U5ZK&;5"M>:K9<&-$Y,?@N4U)=DLNK7'89@)Y\F6XY^Q2:JWE\_
M'^N]V,V^L6X5F%M9%GFWJO7M//WQ^DA!DZ\NUQBL1J7-^TV__+RGXLS[TN/%
M;&N.K7UNQQ]\^)G==_8Q0\8LM\JMISFZR2>>#[)(-($R@DGLDH()UJ6"KPUM
MV4P](+W#,BY"VPDK2VA(D',XXI+B4\ZD"DS,F?>J+6LRI>A63)K.%GV"VG`A
MNDSW+##LL*K5VS@JP5T:JP2%'@S[+3&'[6,=[/(1@,!*9B&UR4/.1VWT<?,Z
MN9>^D.^S[>R<R.QT(-2<PDZ#8K>;+KETJO$6:#GNHQJK9[I$KR:>(?GTG3QC
MK3S1"6YV7&(-=C_:C,R):"N)WD^[[\FA";6.QXR^>:!>PUMO57(V5%:Y4JGZ
MRV(;5M$)0I=EK@HV;(SBY\=P5!D"1CSS4E2Y787V_HM''S,%J/O<5I]T/4>L
M9&F?.`7RCTU@I=+CVICKJHQIU*IMW9SO\*M6!JQFZ#7;8DD1@+?C3HW'8R_Q
MW8RW7FDH48R3(]&_8@;*&@-8">NQF=8CX/-+FS$DZ=4H0^)1]OMN74C("\DF
MB!+^1@U8-4C<,#VVE_P\<?+=;?G?6$F8DX_K.&F_LL%7LR"@`,'TI\0;LR*D
MY9.1RLL6',5^HS+EID.6X)JQ)LV2K0P;*2''@UEREC7#?ZW&BI0CKB4ICWDD
MMG[!&ZW*%S(6%WZS5.R&]1CU4@"Z2GVXQ5\/NH'-]7LLZ@0ZK+)U.0#N5DC)
MB0"S\)Q\>S*?EN0'FFXCZ3C^LB@W]@6AF[*`!PO71$9HR*IZ)C;VL@'"HFP:
M:K'25$YQUL`L++#MU38(LDHXE[KD>9%>CQDRT);>?2\1]9M7ZN[F5]@:$Q>D
MUAX;4%LQA(&V$B@MLW=#@%<D#>YLZE"FY3-,B0;8,D,Q6USY2Y37/N_!EOK?
MS3$C'CWFS'B2/$1XB/$1XB/$1XB/$1XB>;%K]0;C8]GT78N';:,($M_H!"H"
MZG:0U*3S)2-?]:`>R%YMJK489H<B38!663QJQ;Y=,?\`$:4IB-]U]EU*9AO&
M)KH7P;W7-1&T1W]XS\A"_P"MZG8I55V(/:!]G"!LMM$<IIE.`R/8B@CQ=UC[
M*;%R'X"W`0Y0:O-..M%E2I<!^2Y7])M?[.8AJ%JT_.M+I$&\6"/5\VETB^Q*
M/I\K-[5;JP5US'K)9JM74M7*H`AYT_7:R0>[-_)@*ZS&5#3.CJ?95RS$$8Q,
M7F>$>P$OU;]D*/LYRU6+6=5I]@JU;Z4U4P5;A"7L2`U>LB!A>`7CP:M.CVM\
M@DH0A(B/DB'7I[SCB7&E<02,@CTFLT_U:]KZ_4V^9<]JM('7.U7L_IU3B[`_
M8;<@'*L]?<SZ)6&7MRIH49;AD&1*G$GQ]K&=)\COMSYDY;K4=Y,N2Y\S<S8_
M6(_MMB]?AMPL1R34:;EU\`ZB?:B41BRVTW/.8*=$C)'"`RP]K2[.4SR7*ESZ
M^IB9!5'^W&F,?=0YU,0<?QFL$;U[]Q.0Z?7'C^RH*21>5=O%^3['%'!*:=(S
MD!%VG/X\-=X6<8T^?M[A(Y&/PX*6V`G4PX1-EI#0WQ,LK.*9Z_>XX",H:)+[
M#8A<JL'_`.%XS[&D7"M9VR8;OD#.-$L1>RWEDB9S"B52.#26`-/38\Y:VGNB
MB,EN7WQ&5F.@^NOM?48TX'4Q&HQ:S%B7H?5X0?>T094'6R5\U4S0-C+DB>BR
M"QK(PD<_#E3P$I^4\^F4REP'*5%<80C(/KZS9_(,F]EZ?G>RBBEPL;M]N6+B
MW:B>M^B3[NP*W^8[L;!TN.Z6G6#E9`Q8TJH];B1&4"VVHW.,Q^NID=6F)(S^
MDB_KGA^M5;;2VQ7&LZ,,!1\JLU*H]5T+:WM'N09F3+R\O(`'R']]M8`P]8+L
M"L)2#,>F3508<UEGKT9/QAQTI(Q@2G*#ZY^V%"/"W+L&9MM`TR["-EW,!Z_W
MLEDMP=U*P"+V.M'2QHAIX"1:88PP8K3\Q0TH)B3H-<3\(SW4(A2D$@_QD;IG
MK/[NTVC`Z;G!NSYXT_5(.=SUV#6^V%%2D4VACK0*T80ZNQ6F<19L^NTA0);2
MW.R_Z]:U+=C--1EQVDI92<F;,`,.W`QZCQ,VL=FT5.D3M?RRW(FVXA4IMQH0
M.L[KG%T-<#F3=_WH.>;K@NN3R(Q94L7<D?)#"H[:/M0VTQR.6?;$UT;]>/=F
MCV^X/@[)>;?66G-@)U$:S:J\$@6]%_U;="UE[H':AK6+#1=ULP6]`[$*?%`F
M7?Y(5%@=,5YCDQ:Y,LK(LOTW]B;5%#3-!KEZ+GRKC]<G&&=GX',"JZU;L;GB
M"]QZ)T^4P6)P*-GDN$W*1+L!:(0_&6W)=5S\Y%CD)O#9,FWLCBV8T0%:K2*M
M-:UF[3B1M>DF4$^T$:WL*LF;M-HCEE6*X!XDV345$8;TB5*(,,*1-X_])'%I
MB",S4:KX?[IC*HQ'L\O?+>8G507_``C;.U"J9)SVTQ[`PYMPLH^WOMQ?M[.O
M4QAV/33DHH3=KI:4\M$.O1U,.,IEE<^W^/Y2O+`#]E'=(%XVS;-A':);;#82
MM'"B/9?BRF9>M3M;TF0+HVHB0^@D2;M]$SW1RDW%YL@AV2J'$9/R9+*6G$>/
M7V_A+?N.%>X:#Y8%57-48&L'[Q,S#11NY)>_JL,"W>X6.A;X-+:*,-7"LD)Q
MBORS4DC%L<_^*!O0U,.2)RW42,K+6]8\P]F*%IU+(7J7K=HIQ*B6J#:V]8N0
MQP;F$_\`GIQ0(,I,(#[![`0NI@[->^W-DV!!5UH8S$7#*C^-.B7K(>./$H'4
MLA]F\X#[J=HL#8*]`'E=DT*F6P5NLA^N5Y)'3]7TJ_V$K49.@%#%A_["R,Z"
M"UR)P5+6"/CGW6XH[GQ(2DH(.)M'2ZOO,7U=TB$.K.@KL%JLX2;G='T'6I=J
MTVO9T5&9L-NZ7]#&:H(DS[&LE'M!X-"5<X"%<EQ(+LX>UU3<5,21F:PIR;WE
MCY*=KYZN:W:M8-PJ\.%W\?OW(D2IT(=0DLB:\/K@SV$SV"[K`S5Q4>07+RI$
M]B6)(/2ED2[L=(EQ,LKG])%K!ZV>[YJUQK,N1JP2RN"R5>U;0@.K!39*YQ"5
MJT,S27\:JO-JS2-31V>(*5F03BKGUN&1=%=0Y#+(96D@CDLM8AZU>W442?,#
M;QJ1B[F(IYJ3_+[N8DU^6^>)>V#!!Z-4)MH=I85#X,MF7(T>-%;8&?@M<B<9
M<CS5N),K_C^4D57`^RN77K*KR?H>^WA\=8[/5=LB3-5@7'/K.0O!AL&)V3,@
M,'84DA$9B;-'-M`2=6:#AJZJ6]QH7)'_`),U'@CVEL>QV0^P5]U*<7H!RX"J
M5#S&4\%9JNGS:%R5J@:I[!_4.DXHDT(E$Q\:X'`+RV9G7!CZVD=DMN-,N)\2
M`@>LI89E/M57++5="32],L%XJ1.X1-/FKV:KD>Z^T=M\"0P_ES%DT%@/3<]D
MBV8<M(*4S6V8+8[[/(CK[3*Y"7(_E*<5ZW>\<UL>9>C:,SL0[(=!J9_49F]B
M)H4N2L\:G2J*-S\0Y:Y;]2)51`%$<N10/%<G%HGYG5SNN)E<G_C+E?Y2;SQV
MRY?[/9EGA*X:45'&]JKCV0!8>_$#DX/B<4[JAK27M0II:ZR[?H(*P#5C419Y
M&$80,2-2RJ2.XRTW+1X(S+%U;U>U6Q>Q&D:33A=Z%N*58;G2;@-V8L#$RK9(
MR#(Z=4Q,6NLW=MP>Q`M%%(N$H+PU@+/9<BJD\E\^K;-DY?;B6YZI47V'HU]N
MK6L1[,2K!:G5EZ/8+7=89AH3:QKJH+M1H((%>#@ARFK&?(C)FS`8(LV6D/-+
MD%8RV.P4A((\>LWQ\3&0"3J^6PB1@-,TJ@1"]>*`@9\5)N-=8)`S5H[WE9#F
M(+I%$H84L7>=Y!COI0[+^G_$E?B7!G1@;7C158IL7K>9$EG3LRKA$0+[59BS
M%F'LLR9]=%)CE7.D#L&/(;<>B,_.0TAQ*E(YQ7.]1@S#O>P6)MPVC"]0SY=/
M=CFU2+ZF\4]5$@S0<ZOCY@(C95'.#XYMQVRQ^HC][WOPXKY]3WJ.+1@_SFM-
MFJ?Z[*O#A#9]?]=Y3HZ\E>5VH"Y5,F2FM)[6'M`55P`1))N`%/3`N>H(PAO?
MQ(_'QL=YI"'FV5\2_=^LSLK-O0`<.F<.`O7(/'IDNM#;%'L1>D1)%7,RGK+9
M0(FY*(%>KB'BCE@,.J:(+4^09ES$K^\RXZGJ,M^LNZSXUA**>=Z:RFEE*Q&!
MO3)XN+4AQ#DL:'$6I##<&!'C*7(DQQUM+(B)9Y]Q*B+WVN\4[WO4F3-0"&\>
MA-(B2[;%J<>2_AK>;76`Z-HA)V3"E[/E*[=3[&(EEN0QA4NYEU"^_+(/R%."
MHX_GWGF5)YWQ,L,?YRVR,KTRX=!154G)RHNZ#+64BZ"-$T*?0UB#%AONXWD@
M2MD>=V-'%R[WG1(V2D*YV.X:XE]:U.\=6TD^Z3P_EGJ18P%,L-CJF(E:H""G
M++1C)%%4=K4>N2)3-X/'0LY;O\3*`MSFVS+LE*G(S#R4S/DE?..>),M$W*O4
MBP6232Y=/PXA=2K=P+NUQN-4.W)_A213(5X.1H$=:;`S)=G4$`B?-92EUN0)
MA?-Q+D=GJ49/K*::S/TTH=WDBYK&<V*>:T_+J;"J$!NBH!XR2SW/KF9RNLFP
M0ET?T&,A-B3DJ!TLB3)>*%.(;3\.,\92_=B6*>S3TE8(E2=A#8$/+Z1=$RYI
M*<3J0HI9M`AV>P0WU0)W9\68Y:7;>Z5CRT1%IDR9RI;+_%N=>1XC+?K)O*K/
MK'8+](G3(>/&=(TZML#G4/S*O.LUYJT*"$/M-LCE27)9X8V)#C)2G&VG$JB1
M(BU*ZTRSU*3S_*0:T4OTA@4^U9?=(_K]!I%4LT6S7&D68[3X@2HV.S#I4.!(
M-!RA-MBK</`ER(C$9Q$>/)'+=CH;5'6XWU+ELY&<SOLUKTO&6B278:]?8-LI
M+U21.>05I$<G5)C]G=-TAR;&_.2H*1FVPEUX<ZXAM]^6XGC2E=^/.(^[]9'[
M)7_1QN."M\P)Z_G9M0?F`*6V-E9_+*RCN4B1CO*-68ZR4>,5L-+AU>#Q@6I?
M5#7(C"_@SU"5\1]WZR+62B^ED$1/RBK7+*\F+Z)8ZIE).+2+!3X]AG%L[B-7
MCN<R8,ETG#%V'M)I+S#O7V$3VH+*?@KCC4;XH!:2=S&/1"'2X>FHJ?KB/H:[
M!RVC-'5_0NTY5C_*&PX19BRS'G:W/_CR5;@(B,...Q8[XN*EIM/8K/&T9;/O
MF0[(,6]/,'?+%9%WR`I>ZT8CZB6MI$CF5-G4T?<J[3J97'VA%6_@1E8I14%7
M0[<%#S?8DJ5\'FN]6MKB$$L9-*/9?3^I:&6#4L-FM4U#EKEE;2.AMU(7:*\_
M:I^B5V%;C/>$DN#:]<I]'+-0OL+5UQV9SJH[:Y;GU1AL?I+"K6>^K$&V,5FH
M5C$HUX!`N*CUVOQ:<BU":T!LE^B_-`>!W^6A!!%NT.RM=5]M+#)`M/1WZ///
M<ZD\^_I*,H,/T1TR#861U/Q<8/CZ#?H$0.7)YXPU9)WKXX>S>Y78!7!-D()C
MUX#Q16'*>>8B/.0UN/S&>,R$+<2GD(UG2_1?)Y]8U4Y!RVP6*Y-2;&'*TB12
M31PN"B2+9KBM%EL-'82"U8@6*J$)C1Q7Y#44FOO4.M]<<5Q`#'Q+IF->H]J/
MMV8@_P"O]BLEF'+U)HQ+GT`L3L(:LTZT9L]H")+LA]XN&!40^8"N$^=<C1QL
MJ5&4XEI;B/$GW#ZR$4FG>FVQCH=&KE)S&X5[(;+.CTB(\@!8@TCLROYSHY4_
M0)""17^>J+:KP"4^^CO8K12.QSJ.+CQ5\2GD)9#V>>LP\I8VGP&3PB)^C3<[
MM@UYROQD%Z'61=>%DJZ>"K?1%F#`((@(B2/OLJ5&@NPF7%)9['1XDR9&HV6>
MG1C.(G8E;PXKEF7'K>5028D5:?4J?87GI:M$?*G$2WH,*:0DRG^V!$Q__P`M
MQ:^SDK5WOB7+9]\RLJGGOH/)-SZP"H>,CGHZA0\%-?[66!ET78`@;7DE\](]
M*NJLQ!,%J*2E$X?UF<['XXIU3:.+\1]TM2HT7T^K%,5H]*#8,*S[I)LSV_A'
MJ8BH)GP[?5R<)]%LCR%!VFQ5TI0;\1M,CC4*8+B-,I;ZPTA*3[O2?->!>GE4
ML3%IK"L'!6%%T@46(0$FJ="<9TH)79E?A5>&Q'GHC,:'%JA)V&J,VA)5<%?&
MU\4WQ/.(^XS`2JIZ-V0X-O;W?7HD<T:V32@2R1K)3NO7:XAD,ASJPDN&52T?
M+I_(98+-1ONJDN?9Y,2XM+7T1]WZSB?>])VR-9ORT80@;7F)LL!JK9B@,TX)
M/K+-#IZ0O+8@NV/;.#QP$(Q'C]ZO\=@6SSG6U--<ZE^Z6YE=5P,":O,K&8.;
MPC7Y0.OZ&UG\H*MV&2KPEJ*$&68>$DN-"R\(*MM*4/MM2%L<;ZKY)XCO$AS[
MRZ?$D>(CQ$>(CQ$>(CQ$>(CQ$\YM<]_WLVT4YD@'#;9H>B@;.3`2JY6R!<G)
M?:[3"6ETIV)%JM(MYAPEH]"KA=\:PJ&F,S/@=9ERF(WWIL=,@N?/M."'[F6S
M8KX1PG)ZK!K5BM\.Q?TG999<M-KP.I*#7F*-TN!6K1G(!%V.![337H_\5"<E
M@7WD_1)A]#;Z4I>('DRYJO[1+FX/=MCLM'DUPAEMBE!],S^::F=M>?"PTP%,
MLDV[])U*N1X)^OY\:38WXT)J8+F0NM.0",J))8EJ2$><368;^Q`U<CM(C4[)
MB#9(J5_II"IFKP#%B_[I:M,JE/J4*P6%%/-E!C$6A6X)<>N0675J&6%AGK#S
MO&^]DO'$[+G[)"#80=8%8/*Z.LYJN4&EIA7HF?)E=0.#,4FR`Q0%5\T.G(-.
M@2=DXPV4@1RI.5T6YU`GG9#".V.,VY];MX/;X&MYTQF!/*V:S8AU79!68RY(
MN2RW*A6[)96;#6W`(ERJJ!DK'R`TTZ\_(D]CK=<;C?5+?4Q(Q-.O7_VVVN?9
ML,I5U75=8E;YG^?Z0\::3"S5W'V;.+TX\?&F4#8E@AV44\%SEYRM,]8A3Y;K
M$I$F2II/Y#*9$#&9,?:'VDTS$->35(!6KQ:E!@9EN%BD%`"Y<D9ZX5$O<!7M
M'-3*21BIX0K;;%=?CS%)ZB)_,<XM*N?'Q(`")1QO]@.PQJ3!2-K-7D7P+4C>
MEOE')-A@T>W=!T.^'[#EIN1/S]F.")4NQM"X!!^OD+`M#L-]J2]#D=4SU,N'
MG])L3GWN[<[YI%=S>/@)*)_.:@3RQ=ZE6.S"Z*V8H8[29&KKA&3>7CHAPB!E
MYA,4&'C7IRRD*0P]->$N?=CMICQ\9_25IOWN3JN+ZY=ZY^169-1RHW-MUV8E
M`5))/Y9IF8UBJ>OL2).210F,1-^T)D@.<D];5^5#$N,)2E:NKXE"@B0G_P";
M>P9Q;(\.Z]D7^1%G2,V>IPT"S!2:U1[5&LFCR4RJ53K9:AU8:L/W7THA#2TY
M,-*&^,2I/?\`>CB"/$OW"O;3<-9VP31['C50SZD%>:._(:,6NUMZS6D4_-O6
M^XPA5BI\ZE0!40ZT:W!Z'/:[,;^#;*%)XA;2DR4A4`3O7SW-LX_:XN.YY0:E
M9D=T&IU9^YEK;<QH-V!_>:A1]/&-.IS#@=R\TPC=H:6X@XD9C)6EQ$]V"\E#
M#B.(QDSL^P?L'NE&VX)G6<TZC&:^Q$R.P./E[K-KABQ/W>=ND$W62RWJ):8`
M*OQA^9,S&I\3[Y#\AOK/&5(>ZII``QD_X])+?6#V][[.&[#P+DMSJU&@"&YX
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MR9L"A6T@0(C9LP,P^4A%Y0M7>-0/S7VD@`/CWFOY;WLTVA$"EYO^4@7<V,99
MD5L!A:MJ0XX2KYG1@&]6RN-_R#M`"1#+=E'9W`CEY'9G((-:TNQ%D&>2'>)>
M(/@>LZFB?L%M\&N;"$@YG`J5LS!\WF5NLT&_0;3%JNOE@VG2J'*I8<G2A7-%
MI"E9^AXA/E)$OP5R^L]@/JASN,("^DVMW_V9D8G9J_7A]$:MZ9%;<NEKF2K6
MFL*"57N@4/-([M?A_P!?/.6T\Y8=`CNKA<5"2B''<[QY<EV+&?2`9E`FMCWP
M#Z:^MUT_F#4[8]9L.:P;1/I@.G:,==>T)DQ8)L.FB+"/RZH2F&.\9883+:A)
MAC4*2IYYUO\`)<2X'(CVF)(^X.URXOK_`%$=1ZA!VD[HMAJ6F5R7>AP.FER6
M9MS:K?@H\](KEO(`Q!&VO_F0I$=B=(0B!R-Q;O'E/<1Q'GZ3BP_W=M^E78-6
M@]?[:2.KET&Z**M9L-0PM0S_`+(TD\43/+!:K92Q>V!ZU6HT>/"2U(02<3UW
MCT9EJ5)\05`D_P#93V?TG(-5L%1KE9GF:Q`SSU\M+QT>*K4Z)4)%_P#8DMG-
MMGV7A>W`C4V&0J,+C<!D;#GNM2VUN*3SZIXI(`#*M>_9`3,9\,L,?'+!3I5N
M;&OAW2O;PHD.I&ACJ7#S/68$(QD(P"3`=N%]8%$ND)PP9TB/DLBIQKGV^K2\
M?.,S\R_W&WTA;@';I1Z63J#[@ZCSE`KPN)-44/[33\<IMW=B2\^9<D&#!^V(
M_E1S,E@?`A,NOL.//?;BK05$VRWWV75@--I%A.5*";L-A0@B?I8BP6"<2%UT
M1'%.WT]79@3/SL<Z/ICAF.ER6437A2^/L]>FQ5O--J2`9FH%\]_]*)YU<X]+
MR@+3]$3C97;`14EJ`HB*!Y9Q$.)$L[CA"@\A$M!:*3FN\K2F>P5L<ZI17B_^
M+QF7AY_G-HO8[W!`^MELJX"UU";/$V2,&-JLK1R)`ABJ=!L$D?KUNFQ7X3SG
M1>.UQ\:7G\2OY2HY#B$_:ZUU2T@7,^?6'VM-^QAFU0Y6)W'.@M>BNIBV0OTW
M-$R["&/D*M;JE,)3:=70"3P8P.4ME`N>92]!5QR3V$_]8OB"N)N1XF,\]9GH
M\LMHO]I.W<%*KP.X:U;JJ)#45D?<GT[/:K/>;2BTVJ99)<,R:JUEL#;=9G-0
MH?\`&QF._=2\\Y]U"9<O'ZS6_-_1S;KJ,6Y<+=#RRN0-$SF9#IBZ`Q7Y5D"Y
M!4_70-7;H3`9YM)P)&M<]_%Y8W[14D<'(AS$2V(+#K,;GB9%A_.6Y-_7N<&@
M7`U-TJH18<^DTG.;$!/YO->K5CI`"G^O=0MM<E1:]=04T?!OP_!DQYBF'>.-
MCRST=/?DVA[J3EY\S[)>@]]-'M!LQO::^8+W-R4*B.D:#8)<<74R==]DJJ_"
M;@R](DBALP$"]B51A3(B,+&-(`,K>C//39#B)'*=X1^O=46QB"!C0:\5!T[_
M`+)AT^#_`-<MH+3!VHPMDE&)5\)R[+.C62P@K'KBE#);,>)QF%#>2M"WY[KS
M5CG-\LWJYJFTT-4CA<8=Y78$,$*FC@\D/Q0$5`B#A;1&/*+F?R2G&(WUD/H6
MTTZI7^UEOG/IU,3//%'ZT8":^-`NZP]-8C4+V&I!7DZEQWXY[FG.3*YC,^?%
M4?ZGK>!Y(:)5J.QWJ^%FIGWU*B_'[2DRY^9EKW^NQ-PG:!.BZG_!_P!PL)6R
MCHT*K2XC8>8]=]JOHJ"[*#VL01>&,E-:;9E<BO09#\>$[]IUAV3QQA)REIWC
MTKK6@X3E>(DB`H")I=G;*VY@4/L)X7<:I9NV"-L&?I>NEM/VI@-IH:V$(K\B
M83GO-==2YU+GP2CB.7G,AV$>B+N.ZI4M2.Z&SIAT=7(SUJ,&!]Q!E26HLC="
M!D+^%%"=#51V$V0'I,Z/)CDQ123&^BE1Y2>O?\+$%LC$QME]"K!>=&T>[W38
MFS,:WKL[`)A=7-O%`H\K#V'E4:DK(7N;6V7,[DZE%;'I$"Q#4AL$W(E<=FRW
MI"$<L2O'/UI6>)7RU>#[VWR%9)0KIZ*0I!B/`=;6';-VXFVU6=#KTZ<4L6XG
M;5</Q)DE\*J19W&9D*;V%&>\2\_?$G7KUZ@7"CW"G:RHW_0B$'0=EG&@LX;^
M7=R6'E"9.N8IAQ:<$N4ZB-U&FT,/79?/NPB)&#/'?&+*C?DS4K06!&)B]2]/
M-H+;5"V.NW^F7<A(TV*0"CM!IIL\$I]->>('$(.AW--&`B(^JJ89%CD5^"'G
M/_D)G37)<A#BNH##&)'<?_7Z=`%:MRV6:N0JOC>FS9^<16*="=M5R#)*Y=,D
MF[R?9L\R!+FSW,IA/"$-PH[XGKW4N\>5'8[Q!;,[M,_7"5H55FUVO:%3E2K'
MD=UP*ZFCU/O=IFGJ`=I=2IM=MPI=FUDN]4M'$P*7$:FMP7$5^=$XTTB#'[$9
M<ZCEF=\S^O6Y6B7I$RT[E%.S-!;GUQXM+J%@=,0Z86J'LU2I3K+DK0Y0L3:!
MH;V-XF!P/$%!V>@&U*A*<FO.-HY#Z?X\2Q[%ZS7:O85F>=4*/GL^]!/8&IZR
M;)F1]QLU)619N\JT62TS@VA:6=NI!:T/_<4AL\J0S+7]V-SB4):\29&<GTE,
M,?K0+AZU$JX+5JPMFIPI1#-["0STY`N%:T$^G*?Y*ZR+!6-%"RI"*1.RF-,J
M@]K[+$+[K,.:J9$A-I=2\_>3V5^OMXK-G-GM-'&!)E-B(G)+E#9B6.9:BI#V
MRG#C;$N&?9%1$0)/M&J7UI$7GTG`6E-=:;?^VPCE_C_*2_!/2=&+:O%TTO=H
M=_+/UF,\4+$8=Q"G'M4)5"N5C2+D+$P]`D9^P,T:2#>+26)`:62BS)CB$3E,
M\1Q*0MD8E6Z+^M$5H!NZ3I6A\8A7H;HB7NHA78=+I]ALF@[[>JL?K$"L:17*
MR24.C[[-%E&RL&8Y+B1EJB/07)2^M)0^)CCWZWSQ@1,"CM$SJN0#Y2;?;$B1
MFEMT"?\`]FS:'H]'ENBS]]U@L?=H!=S0G"I`9.D2Y4B<F4A$IEB:IME'.<UC
M_73=KG-<<L>ZBD"YQ>^WE\"-H!Q%<KU]O_\`VU,+Q*Q5'='Y5Y5#FF=-:?(1
MS$0B7G,#WHR)\9D@]QJ1R'TEUT'ULUC+MFNFZ@[7F]@MFZ&\XC;.!DU,V$K`
M&MTNN4>JNS<E><L1X\"EK$5PDMP9(D.CY\\A%E.<:<A/]GV3((Q,-KWH8,U?
M:R>M.Z'("03!>C2Y]58K3$KY"(XY`/9PC!?I>.IIK:`=/I+,EW\?O8+E3;<^
M,CLCO&D!L#$S.6^H)S)_6^WXG4M#B";B=E5SBM*'LZ#(DFHU/!4:IB^V6)8=
M,L!P40L-)H[`N>JOE`Z(,9_YC$Q7VFWO$%LG/M*35^M\TFM#:Q&V8>$D30MO
MJEIM@2HV)NRR:5=:LD%:*&';,Z.;'DJO978L9V<@\DS+YV"Q(8?:FM\D\2\Y
MLZ!]92/<]L%8N-DJ<T]<O8#-][LRJK1G`5%8G9U=<JLL>LURHDK"=E08)0=E
M,9MZ1(G27/Y&8_,^/?JEGB3/G^4ULJWZXIE,A2X@/10+DHI6-$R,Z>.UZ\V8
MV7Q_0H0B'^?$58-/)#JCL%2;%]1!)B(\,*\U)D)>%]^XWUA*6S()>/2W5XUM
M%K#NUFX$]>L64QM1-`<Q!`LQSRIX];,IFC"U*C&==78Z=:9M?SGKL[[$$^@O
M.6TVW^`F,TYQ'(2T2'Z_3D`>Y!INCTV/!G@*-3[#6['FTR56+#2ZQ3/7ZJ6&
MKRH@&Z!)$0;=^8*RB>EM7>+&$WX7>=Y_S=&.4V&]8_6&/ZZS=*E?S,*R2;L;
M<D0S:?[DT9Y7NVZ_7F`"-1#]WLU98X".:23;C="0`[#K;G77F5..?1M(6S-L
MO$QCQ$>(CQ$>(CQ$>(CQ$>(FK<W-O6DG=M=<O9'.+[;+6=I5DNM?O<JA%)51
M11J?.=HT)`542--#P@@".6*Q7YR79G6Y<YW[_8W^QI+DSL`9OIOGY<_;*V1]
M;*:=1:'(%GL@@CF8$JU<;$DD^L<;+Q7XTMFPF4\F+Y'><X^__P`ZN)[]7.^(
M^X_6<[UE]1<IHFAUIX]@5)SP20.CM3K7"5$&5Z.8L`B?-L`>Z@4/)CNFCH*!
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M1;(M`9LBBF#1&V9=!N!>U1;W8JK7KIE<!F9.<4<&SB,D8X?"H6XA3+#:Y+"O
MMM\\0`9CF7O2Z.[9;T5@^NE8/E!-;EZ+,LR<M$V4;%N-=5P$-T!^1(6Y!<,`
M'76FF93O6I3/'.-]<1\N]1]WZR62:UZX8A)KMP8HN>4N19CP$$+M86J!(/P(
M0J:?'!B$PY#AM\'0AM'8GQ?SW'4MM0'%M*7QM?>=1Y,P]YTOTZ_BI5TT"Z>O
M!`5;A=4:F6(\7S\RU:05,T/\6F]>FO.S%G0E,U$\K\)?>NQA1F2M:.M/J6KQ
M+AO3S.@'.>H>MKO5=='8P5-0HTQ>FU&P0:(\?'1#G>727)ML'JY?_CE4N(,.
M/J<6CJEID+5QSG>\1]P\S(YD1]0K><K=FR>3A)>TRNGY%3(U+M._M,E-#B+R
M&RRP:8?&S;T:MCPJ0$MYE/6VHT5J.M7VVVD\2'E[R&DR_IVO;]/IUFIN-"]`
M&MY,4T*YVB'EHI\S:KB9=.9A6I4TD2:MY.X=FT"*5AI<B<:ZY'B.,/.2&_BT
ME^['Z2]9K.(V>1,U>6SFUGF9[$L(6=?4-5T_,J48&IZ79@KYYCDQ\4H.XAQ<
MJ*IQ"XZU+^24]4KZI//I*&J&U^G=,K&=;!3F\]HB?8R-0QE=4P$KF?7:PC.N
MP*P(0?KA7M?L+$3/^2&XA1IYGKH5#'6G4)^UQ'$N&]/I)W<1'IZ5:G4B_0O7
M*<U51"IQ.IVM&;/<KE?&&W.O2B`0KWO1(2)8"ZTNJ<;;C\DRUH7_`+GE<4C[
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M7/ZD;]KLG\(B_P#%K[3Z_DD^[U\R/0Q/HO`'`B\&-ZL1A-:K%W!5TJRO*D0`
M]1BN34:./'3^+_'C!HCQV7PUQ*^-M+(2/R?IV2[]Q+]WZSH$-N]5=4[6[D1@
MTK19.;ZK8JS%.RX-)L\G&R]<E7),S2SQ602EMYS1)C69R)\(V^]';EMMPG6N
M==4QQ*,,/$V'^WE[5;IKGTHC=0@<&E<_=^H!%<B)%`II802J#GUX-:2/K,61
M)CO0^\XU!;<<1WC25*XD\REK-1_2JQ'R+UPK7K.9M&EL<-$G;#`S.:?N\8("
M@67I9QP@APB=8%5MZ,1[(YUQ+,-;<GJN-J2OJ/N_7$^J4UZK;HV:A5^E999X
M]<N:5L)=K=+GL%BU"<C$!UXJBX?)O"@8--NRT1"K'T2T_-?;YU/W5\6CR).+
M5=/7*,2M4R[6[%8Q>M_U(%=Y-IL-'8(`.QR4JVT8/:G2LQ$@5UDLV^2%1Y?6
M_I(2N0PGY<4OQ`#>V9B96$^K8=02;/R?#QWXQ,[8ZW(GT^DQD,%9T5L]82X1
M<J"E#4E<(&B;(=8^G4-0^/=[Q+7%)1D_K(23?]1IY2;1(`S+B,G6#1&E6LC2
M/ZESL&RU\".*0X%L/@9C$^M6>.P(@=%=ZM$YN<Q%6S\'4-+XE^[_`"G;T8[Z
M6B:R'!:N:]?I-=QP:'(AP]Z)4D]VA"X<D73!)5D<:>(3A41F;-AP.2NHXG[S
MC2%+^74^(`;VS,H<`^G-J0+%V(;ZWV%H/<0U#$#B[.:DVX%^$09JP%)A0Y?W
MD,VL<-+2%11:4\EMLR%J0UQ*^]ZD^[]9WC5Z]9-(<?1<B..6<>@=<*D(+W&?
MGIH+9JZ:JT(II@FK32,^>V6KRZ]&2U88Z.)9ZU$5R2A337%>(\^TE&:2O7\]
M8KI<,?GY(=M%B_A96@V+.2%2+&"W5,245^5:R-;?D29*GHS#O(SDI7>N(;5\
M>]XGOT0<^AER>))Y!SAWLS7=^NVC`2FZ6Y5*N5N&-5PC1:[*#6//[E[`X.[%
MSZMFR5*&1Y%7&Y:0,$!TJ"0X_#D,+7+G<;AR(_B9^,8\2:>KMW]E[OM-2.ZV
M1VT/1G`&U!Q-=L=#<#5TJ0?"^L]NKK=^ENXCE[S5@JY$S<A@TAR`'AR%"Y$6
M,]/XEQ^6@@8\3H3]N]I@2)REPM@+VXQ8-+K)2ILX#/+5:B7"+MV6CLR'4PX%
MH49L]GQ#"W[$4=/S2Y*$ZIM2WID27QF"B1A?Y2OANB^VBR8@\?MOL?!'?QB*
M9<SM?Q5)<#+"A]<B=NNRYOG\[!X=C#%?Z\;A01PPR*F3XXQ,]UELXW`X4>LI
M"^V)FZW<OV&3H`JZ&I5ZC&FU"G'<K[E-&'U<DJ`2]3A+40J3<K$VT#&;2.T:
M^3RO62J%0GQ74QG8[(F0F0D^V8&N:+[]3LO)VRT7&UB"8JC2;$Z'%8F:=-NW
M'^R8]"L>:S')OK;_`##)Z,B5:XM=FAZP=$P6Y465-DG&1LAYY+A<S9CV)U_V
M%"+]>O\`J>BZG"G6=NKG[G#<JD*SCVV"5ISP38Z)?&*]G5U2+LP2KGRI%<A!
MJJ#6?X]]QN7-4TB)U,0!YS,%ZSVOV^);&-`;*;*O4R'D51+$8UGSV2!F60Z?
MSC,+"5L$$G6,C$4H`?KVIF+.#E"G[5^2D;"B\X'XXVLG*0>./'UFN;>U^VA'
M1BB&H5]NEGRD5!U*UT&=B8R&NI%?_P#J%1G-,T-1ZP+E6>O:-5<W$@0A?\@H
MN1,(H<:(+=DK:83+`Q)P(/\`O1!.'2\098!\_P#*JEYF5Z)F-:AUW0[+;F_5
ML3*JMJ.S0;Y%@=1ZS8[,.=E#Y<"2VH&J1(?4F"ZA<\R?;C_'ZR;Y%MGL`?PG
MV.,(-Z%=M&S"RYW%%,6K'854NXR5/R7&KYIM7B4$94P#]C;#EK.:2.^`]^7(
M:ZVS'=F_!F0_9"!G])87K_J^[7/<ST.\#M$5FMCKFFF*7%*986S@=01P#;+*
M%HR[L]:L^%3#5BT3-W!DP,F(<5(C0XDGA(.R^I$UY!``_6:Y6'6?=N>Z#K!V
MG:2PI^WRLY,_Q^:I=K%[K]4,U;,;];GN!<RLT\5'O?2)FUAI;YZIC8X=F.Y%
M607QR'Q+A9T.[-[95'/1.>!J9LPTG4Z26KTDX&Q\LJ)4Y2#U$YD<OAN1D&J-
MW-"Z0W-A3H@<.8E(DRT_G+@*9>E148'K*^BS_;YT9,<K=*T\[<8]UO>T$:)<
M<KEU&FT[47%036:HIME=!"I%K`W4D<.*+L/%BK0]<)AKOX'/BB1)?M_E-P6#
MOL:6]4@5A)\E7[5&M+CD@4A[.3T:QQ:]`M,A\%*L54LF78_([9*XVRE+LIJL
MC(CGV4.-H<XKKSEF/CEX])3-CMON%!EJHMB1HNK"9XNQ!&H4C'1<%\I*D9M0
M;TW?+L2"YC'HD^GA[:1+5J&,'$P1B/.1&ZY'-(Y)<C)?M]962[I[5:!I,@J-
MM.LR=`PS-;5>B=>7C%:%L5K3K+3+S(?QP8F726O[?F-D/5$=#&$V^S2$^.RO
MD$PM;RGD27[<3:*4[O0SU>?5$YHVDZY6_9"_.L]T"E,E+'!#"=MN4VH21@^/
M6@$0I6Q%42,>%$&6I#'8BF_MOK0GG$V3QGZ#$JPU8/;^KV,/).Z![`S1T8+'
M`%C(;'JT7;57BUA]7[#?[TFL5C*28>1?:.!N-QB@FTQ%_.(+?;3")RH<E$A'
MVGZ2?:6Q[,W#)/5Z]Q4WL!L50@[%<S,\)0@KYV3/'X9J$>BPK?3"P0N(K\W0
M2:A+9$:W%8DLSI:X,545WJ>MH&,GZ2MR6H_L!G/V6%4(]T0<,%I=#),6+%1[
M-8R&^7ZWZ;4:38Z83<KH_N@Y7FM=@UNQ%Y[DHRRXP_U;\M/Y*X<:1A9?YO1/
M;8SZO5'3JO5K!6]?N]W?:E9N5I$&18<^J>F3[%GU%2;`28JI'4Y&6L@&TG77
MO^10X3.0_P!^QU?/+)@9Q[2LL=T_WEM>V9?'T8?,HF?DXJUF@)S.#<9@]VM\
MT&BWR+,)!,QL,:NE)IZF"+77WR5EK45T78/M-ME$K;9B)2%QXG!N6S>TU81L
MT:GC]RDW^)HQF!0@-:R%@KEP"A!:@9.YH5'V.!B.EE="?UDQ!:@%64D6.P"C
MW8K\D$PTF1(0`/'I+LRJR^U:1.VD+2V<L]@>SJQ7#+`-JIP*K!A-\;T3=PM<
MH(R6'&`Y,\.Y4:U4W7?Y&5+FJY+[*[(2W+2A"0XFI^<77VI$WF=)"R]Z,A;Q
MJV=G(!.[^O3%8<TL],#>M=/U@+HR59P$3F=&H=&A'W0Y%IFOHF3(,CO)1%R%
MQF6F7VX]O\Y/_98#[%2?8*P&\YM&U(_IT%C0\Z&B**#LM$$2AOK-[&"7QX">
M6HA46]+N>CMAX!2"]-D3U]F,I8;C=?C2$208QYD;E7+WD!CKP<JH:XA8H\_=
M(H6@C<DKSP=R#92_M)9C%^A?G@GK(:LPAROU5\:Q^?\`A3I,UMEZ-)<)H^-C
M[99GJ?M>W7K7'A=FL.DZ3EDEC;0-?L)G)V\U_KDC-MNN-6#E]1??S"LC2EDM
M5:@0X4".,(BYD-P?)7/`\[)Y*CH(`'ZS6*N6WW=H8H10\U_['%5!J[61JR6+
M1<4.1TYW<B]YW4G7Z<$C5S%[S8[QD!V*S69,XJQ"FN<:EM-IL`U<Y78:7[3Y
M,R1*Q>[%(>L#E:T'V%-2ISG]>G3+YF[Q@'2H8W</9IHU9J\Q6_7B\S##\2(K
M/HG%L"C/9U7*=?C)ZQ&Y/&H^W])Z7>M)[5"U?M3&T3C\V^M7.WS.M2J(Y3J>
M+JB;Q;ZM31]&EK`BI!L7,!U!!3O9\B:7;:),.R>M-R(S?$P./;TFRGB2/$1X
MB/$1XB/$1XB/$1XB><6O>D5[T"\Z;;:?JM2H8V^2B\IBJOT*P6D'PW<<<NN)
MW303,:7H0_O]ZE5*VQVV>"E"Q4G@AA4R*^^XM]*9!L":XBO0+:G^T>7*DY6,
MG1;'O%%ZV0S>$9@UG);V_P"SKK%OL\>-?HO;AH)[NLPN0GX:HJ(;<B0F5'7^
M9+^VF7(2YZU^MYL04"=)Z8*)`Z/6]`I%(0G/FDV*57+]7]M@O&]`-2K)*9M-
M_#%MH>6R19CPFW&(LCZM)=)/K:2<_P#.;8V3$K'8<3R_.56&K1K7G1#(2_3/
M:O/?JA*?F9,'+G-QJ]VP-E!L0S$&O-Q__N@ZY#6ZA2E/)0I"TQSYS[368#^N
MX16](S*\Q;8(*"J2)S.ODZA+"6BO")4;,`>)M`[*&;I5]KT1NTM6?$H4U*";
M!,:IIQIMR.O\-'7DRY>,3:R[93=).O5S8LVN%=KQA-/[FM["VZK3[,+L5*Y9
M8]G&S0;PNR5N97[=7)CA!,9UWLV#):(K2_'ZIIEQ"8Y\8FG58_7:?BR+@:N6
MSQ+/<+1`@P&K;VDDY1:',''\&,=M2EVF]6;C!PRO#6GI$.!_'A8KTY#42&S&
MAMMNID6^DP`K]<=]B%"9\KN-8L1^W&:<N[$[!F]CL$B2(I1S%+&R4K;Y_4B;
M]>NUF*XRA4UUI7\1#;(--P8##8R,EV1R$EE2_7N:&7>K66XZV-NXFC!(5>K(
MTE2BKKZ1,"M,`Q4)Z&2O1.G"&*SUGB8*A8B%(?;_`.6<]*E=^]QB.7Z2^]*]
M5DZ+ZV4/U[>N2(+=,IPNI/V1VO)(-F&Q^4V#,79+H195A++<M)WLM379#O/H
MCK7>]^7SY9B#YS*>L'HJ?<O]UN%,T.J5>#;R4JP$`RJ*6DQ;!+&VH/=*%5;<
M-C76#79E3IEE'/S(\F%"A&D+(2FFY2([[S3B9<IB3'H9=^QB<6KZO2!?\P"L
M->F3#&7$RLEF%?J,[0[NY';@Z"&;>?8@#AT@1]WJD,/?E)D)D)<9^TDY"3;*
M/2=W.-M&ZN0M-?LT(5)LDH2*_BKJ$FU^4^=VF36B0ED=H/*=,)=K&W$!Q-9`
M/+XM;:Y$3\94GJ&$%LC$RN]>G1'7;I9[L$N]=`SK=7)=&)P[)0^VN%%JMCHA
MZ@V<@/0U8P:_[G%'F$/B)CO5L1?B^PZR\U*5UM`;$G7_`,7HS/J\0]8AETG@
MQ)Y@N$L5O"#F1Y^=5K==I1Z^1XO6Y*D1+-9ZR5G#^E%*>6W+E=FJ;=5SK2D9
M\YFNLO\`76XZ<.CG]38M^7W&VA3EF$Z;3UW'1HP(7;[KHI.N5?0&K(&B"EVN
M]ZI99$N6X*?4Q%D1664?5E;CJ7E,'$_7+;I1;/Y-TWB+>8E3G`K9872]$*M2
MK;>W#D*SZ).<"-:"ND1!-YM3,DFI<D60,1G)28O)RH49ECQ'+Z3(%_U[6)4"
MP@PVE4]ROF=3[M+48O1[0/-<MO&C==_IDNSTG1ZJ9_ZM523BTLP8SD>5",(5
M);>7'>7#2CE+R]=?4R5@5ZGFHMGK!"F#JA9:71P`RG$1UH@";9IQ75):+;=2
MMNL$NU<!$C3HX=Q3#+B83277W'I#CJ^I"<B4Y>?UT#3ARRVVKW08'L%PT&T:
M+<8TT'9F!=U)S]$OMHJ4`].J5ZJ]H@Q*W4M5.B'ECYT;L]WD"4XGGX?V'4O+
MQ,,C]<<YBRC)T'0P0NBUXP9;J&5#Q>DMU&DASY^B70K9JX\[K+IEZ^2[UG0T
MLY&(OSZPN6AQWHW[K\A;LQ'*=FJ_KTM01FQV$QKE:LVDDB=)L8XZ<H-@/!G+
M%0K%B-DC_P!D8LND'+&3"7`ABC"RL**1@,1U3N<@HCH@Q4>(Y?Y2T4^EC:P=
MZ8)E*,>)W^H:D&/"I-1/@JI-/:7NYS<DDW7:M=!%Q88K$XU^%!=CDV2+*F&Y
M+<EMSGP\LG+Z2Q]&];CFH>NM/QFVZA,*7:M,T/\`D-;F5R(Z1.S@/XHJ\3G@
M#!")'C.:%2Y9@0]])"NL,EEN=Z\I/>+0#@Y$U57^M)V/7K!3ANH@5@+M$%"+
M.0+YOV;:15=S.UVXCA@"B$VK;'B@(-8H1<153GWF)7\P,!H6SR&N0M*$O.;1
MX5ZNM85JVR:$$M$(D(VJ>*,&ZT]6&(C]<(U<!7*I6(E1,M$''!-5:`"'ORQ'
M&>P5$'.3(R(S[T_LQ(3D8E3S/19\QIT*YF[M595>K%VV&X54.UG2/YTAW;S=
MUMEFC7\[,LDR)99-5L5L0V`?9A1/PQ["T.(=>>^\VCEXQ+>TSU?;T7"LPQSE
MS>!3LV[GT1JWQ@J)3Q("#`]H&CADC%D6/PD:3E1HZ$ZYR0YT?TKR1SCW6.-K
M0#YS-;F/UY&8<L:2@:=584NAL5D3FD2)F\F*+<"T&\VG1Z<[I+<>Y-R;/8G;
M#:%1B<V$L=QZ&RI;#;#\AQ24O*9:/Z!EF:T]Q_1ZC+OTFVGKW,L/_6"HH0B>
M*5".#A"Y@I-P?,+K$$Q%1(ZSTBM[L?ZMI<2Y]'O$<O/Z2&C?UG181H&6FW(&
M>_BC-A&DVR?_`'&SVV9V>MPV]P8QM`W:(<:)<Z;8H"NP'H3<<-*1(>5+'N+6
MW]A'*=^Q?KAGSP(NMUS40-98[EK&2V<]&H,Q18U2?^CZ=D9ZG*#L7&+4)=0N
MA&G1C$V/-@R9,-]IK\)]AU*GU(Y?^,V[R7UV&9/?;5=19(:INT,W5MX4.K<4
M*EMRW;1H.N)??DQ92^3'!W+WV!]5-\ZYUCKWU3]SK:4Q)R)LEXDGE[;_`'OO
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M;B.,X)/O3FP<5?I-JI.EUD[ELL&,O]2DCJJ3,`"]@?NR1XUN8#MQ(`66[`I+
MDQ+L68ZPJ-.B_1?W5/-,HXF3&Y^U(:CB@9`IFNBR9DG'K-O%S"0545PCFN;5
M0?'F$I]H>?NK`HD9?E2TQ8T$-)*.OO-O*YWC377%),2B;%[69!BAW6JWD'K[
M*E7@<9D%K2.!1\QRR/H]E3H8:@EY@DJ6-C)5X+#'C?9I"0W&D?QT=V-^:N/V
M?&^XF7$GU])F;+^PO-P;$Q#N3;&;4^-L%F!P!@W/7G;=F-7#ZD6LVBBD$-"@
MQFP<.+CYE#<&8N,7EK=@\;B*3,3U"3@9!1OO;ZSX>LAF=<Q2UT`B"CV\O:,X
MHU9RT?(!W`61T$>H$\)KUTC#29*SO962XT7BJ>"M=7`;F3HZY;2$I>+'S+^G
M^VK+F7;%?ZSEEI,V''+RUGI?,R-FSX';IM@38Q%:G?=1_:2,6N0?OD5RQ[I1
M43A@8AF=#X[$EQGG$QQYQ(O9/=()*R7V*NE4KIRL%L@Q>[[%5B6@01+M:N-5
MJZKX'3;X+58LA0C_``,>S9_-0_&E_@$%0U1WT-_"0GJ4O'R!^LX2GO\`YH'3
M&(3<\UI-9FU.O6N#9FQ5.7#G)O=?T&UYF$BB^W9%A_FM"K>;S),1+D1MB'V9
M!9GNQ7GW4,(XF<$O]AV.!)3XBX573*C919NRUVR`"0BMS7ZZ2J=;OIHFY+(A
MK62$3A,DU0'`,*7$?D-2S90<PGZ(D]<:1Q,YMK]MKUFNGUZCA,/M9\6C_KDX
M=(12]"Z3-!;S1/8ZQDJ\%&%KM7T`[!4Y.'ID/RISW8DF/^0RUSKO8ZGD``SY
MD^^-2GZ!6\\HF?62[$3MPRP*^0AV?/(<`=5M+9(]<M4EOEKFD81"IRH3;4T%
M.8@EU??XIMI7$JYQ''QF8V?[9^K?KQ:KW0H&=DJ"4'S;59KPU4*#6A$$@;%V
M:F`7)L_H@A#=+V&S@;>W8('S;6_(KPR:^KJ%1N,J1@GS)F*]X,T->OYOV%@U
M^QHKX*QKK#U>(F\W%&")+D0<5:0!,3[VS1["Y)"%6GVV8):1(Z]QV)]O\IAY
MEM'$YQ(\._81D1.Y4&GL5316G=*MRZQ4B<N+3H[)."BRU:D?VR.'[<EVE\!R
MZVZ/!6AN`LA'9C3)ST9N!&5)4CB9+KC[FT6IZJ9Q:)4K9<="COB!U9"U`KG1
M+MM.D7A")X/CK]YB<ILZOPS3<V6FP\$][!9>=8X]\6TNHXG&96+7OA)@$2D>
MS8EH<$BQ+O(Z!00KF=F[&J-G=J]@!Q^XS+>K3H%0;#O`,`)N)&\2F:U.2AIM
MV4F2TI*./^4LL'[BU.YPM,?K55NPH=3\QT#3*M>;`&!S*G=PF>G3M.L$P*+%
MW)FS]<%VT"\UV$1:#O2XWVW6G.(=2M*.,Y*U[>"+0&U*0,SJ[_R^;9_=KX*C
M%NU(+"TZ'G]BN-(/*JKT>VGG0$9ZZTB5%8Z:3"6J.\S(YQ;?5]2CC*/@?L3'
M56%9YFQYC;:BY(/#H6<QV)^=<@'9!$%A[\JF2[',T-D/#.UTUM$3DHI.4-#.
MQD/=9>6N.I*TO'Z2\<;]M`6R'BP2MUZU28S5/<T=JQS*U!K8FMU<BS%Y6@-D
M@$[G+L9&XSI*9?7.1(;45"(ZN.]8[]OKR0C$K`%[]PS@2J.`\@T"UE#I',PC
M9="J)2JW89-GL&)5V]&:_$,:$;+C(5)<W8/(Y$(]0N9WKS#$A[\=Q_Q'&8\1
M^SK$#U=E6H13])E`(D"28=,J3GT8(V(F3,L%4J8^:DWYH9%>O)O904)J.ZXB
M0'D+E?S"1R(CB^HX&9"-[QT/7%5:F`,5M5R#Z+<,XSNTA+K+SL%V+7-6J-C/
MS+,_4#EDF$;?1A+`1T>[-8C+$F):)3(Z3,[%=YU'$B9VT>UN?8G<HWKUF./.
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M(F]#5PS*X.>ER7(/V)$9IME4&7]U#``>)7X;=O:MR<"MHD98[E9S%8J-,T,&
M1Q*RUKF7:KJ5AM-0A4Z$RY&A1R%%P_19X246*.=GNR:ZN5/>(*B\;6VEPOI+
MS]5]'V<A!OX:[L'!5LIM(>?SK'9F<FJX!LXAH2((P=%5?#\:;-G&+)=9\\2Z
M+X6;2.:C<XJ)Q2?R7$C`37NG[][[DJ*Q?.L1[(5#`JP5CYV/R<RF1;;3;+2!
MJUBH=S)E:G12%:G9V1GDEM,"XR5-1(\14Z=)ZW,<=GF"%SB1Y[W$]I&Y,T-F
M<FX[49K%V(AQ\TQ@9JDCK_%(YEGYAZKDP$&E_P`N-M6>VRQRGWG'9M5B_P`>
M]"XI1!;O4^67`]YT'O;'W)GF+\'S*T1K^!I,71H]-NUIP^T5@OIY@/1)9DC7
MY%&&45;C5TS\A)%R1\1R36&B[<M?'4R4=3]I&%]__&6)?]@][<_7_"CS_P#9
MHA2YV<-W1;1D+U?#TN%5KON=5I+A;^G4VXJGB=-73ZOTE)0+5WC1)2H"X')L
M5YE)A9.Z7H?M?.UW'8VE7&U!::7T9DI88P3(&!=?5%L'/;&K"\O*%)`0H09K
M,5>;U.8V2D/,3NS2C;SK[;,N'';0>./$Z>C;O[4%]ST7.\Q_N-4JP^?/A,E2
M^0*LDJM+J`Y<I,H$^Y48%9DA-/\`EQV`[+,'93C'$NI8@=[^.M`XX\^LAQ#V
M!]TP$=0^6X<*6N`#IQ2DCDX"2_#V$Q=`M5/Z8$-S!D5^'2HV!A;#(DC_`(R(
M;Q/L;C$ER:^Q(;6EPLS;6_>T-/O]+J.B7`O$&HU+"J<'.R\%>8'[=S5K5FD7
M1@I4N,B*"9XK,Q-P>;%/MOQ>REJ^+ZIK\5]/48'M])+/8C7_`&]H=PT6=0$3
MR5&_O42E#8C>;+>8SZB1ZWZ[&+#K<6RQJY;)QZ>/DWBU(_YAQ(:VW"Y_X3JA
M\K[R0!3ZS"9_O'O!.TC.Z/;JH,GABA>DTVTWNKYM:&ZA)*6V&%W*1=A)DY#%
M+C4P-BH$]57G9,2-]NWRX*'>-R%)C+00LE][MW:%J7LE;[<,V,GL8-7)/KRB
MOB[^8J$;().74L=.*5"#'@%LG>D`+K+L4ZQ<(0YQEM3"7.Q9+*13*T@&0/I*
MGK7L3[@\J,R^VIJW20T=^70?X<!C$F%+Y$[3CY*)N?2QVEL&.,Q#8Z$]+4JN
MI&M#79*T"''^QXJ)+A?02J']>]H-%-8U8+N(OL^Q5*R0GT9B#Q2\C@UFH[D"
MH#U;`1M/`E1DM'+$;F%XC(B2L9&2Y"0[T='2VYU:7`$L6G>R7N;;Y,XL.;L(
MRL5LN,)QF[1B)F7*L0^U6SUS$2*W;Y42FTQ]MO-!VCVM4]%>A]D)>!J1_(3>
M0)3TJR$*)OWZDZK8M1R88]>?[*_H8!R8-N!8W4"%6#V28@N7B1;1179-3IT0
MO13K(]3XE?X3$]L?UGD]IN4I75I&&#X])HB6M.B4?52-OKD?:G]>KVS[3/W[
MA8+JEAS='J^N]38^8RP8;K$JA$VAU#>K\@&BOM.EF^LF5K0IY)1*DHQCSZ2Z
M:1?_`&#V/'/;@Z>G6JNM?TF]`\1&P\NGU`^AEZN6R:!N(UFP#T6(T<),RX#;
M$9R.TEE<=/\`Q=>=5Q*0X!$H&I:][&YR.I6;\*6JKT2MI8I>HF1GKA,D/^NE
M)JD@0&RJU5A@?6G@E\E;H(1QXIUN*5BUO\AR1^-$9BN-^298!\^\L@1[3[T5
MO.6"7X-J0%@6K.ZAJH2#C%L"VFQ6JRWS6:R8@U@G9*A,JKU?J`(37S5FZU)A
M*C!752X1#[G.Q9-DP,22Z[L7M%'W<WGE`F&Q(Z=HU`I<>&SC,NQB*AD%B_Z?
MX0WN!=I4+@4X>5:;0?"*'/R7H<5F)V0N&G^.EOO2`!C)DTM.L>T(3&\(.@:X
M_8]`O98AE%MC.4(@TZ)MAN5)'4[5[&+B\2BK5,0JN//EN+XW!Y_*-]XIMM".
M>63"Y/TFL%2]@/8]=UH&D6^%<RU7K@X<+O=AEXC;JYRJMZ':O71[:\_55((G
M\XHWE!*._%'ET1I,E+#DQ#CTM4&7(\3+`]I]C=G]UK)5Z3:K2?N])&V8QGQ@
M[!#X3P40IH@!=O4G^:@3VRX(T7;CWB!J-M;+<EL?.'"%JXRB/V!.==287T_Q
M[R)!/:']@\N!6I4\35XDHF!MEB["D4.\+D_WP2"JDJU84?'MY'#=B6"G2)9=
MZOLM28O2'6X[<HQ/Y$G=>2\5EA%-:]M*;9G:@*F6`@6MCXT<@N)QJ=-)(LI4
M9E/]AU^XA)PJ56V*.)%S)X^`R)*0$PC;*$3H<YI]<B,C`Q+<@:][*T;U]]H;
ME?["^5M&=XN7T.A68SDR`+0X\/D["'5`[6!+D1JVM08&?ARSD1"TRGWRKB$*
M;COPVFDQP"0!-<3WL%[+55V]7,#%TBS$#"ZK7L[T)>/'((;1JKGEB]@"PQBQ
M4N-0C\T6=O'23(YA`T:'42:A,R>S!K3[#CDF0`,OC%/8KV,MFWTD)?F'^T>7
M;=7QHB`JM$D1YTBZXK#F5FVZ_93LT.1%1,AL%[K!1D:B(3'$(LN0.0IJ?&EK
M5&LA``EUX/L6JWKV+WRFV,39H>;59EO^J<L]/E@Y08X*O%PJ<X?#-LU,&$*B
M;*"#03D!M),],4.G1Y3KT5,I$-I(0`/UF['B8S2=<;TMN6V6&LR`X`AJZM;$
M:R6)3`ERAA2VUXK1`M7BSAEVDQ(M"/7G-Z$_$9F"8,Y]^%'^XY)C<6W(6A,O
MNQ^DMF#A6&O9\/R:!#E2J1^:$N]6",:5>I<VO=K1`/.K!3.CO+<[9*2#K$V!
M#_C&04N$/'IXEN.AM"^I4DR?64^_@OI@\?:Q275!ORH]9$'44Z3;;JBH"V[(
M!>QJO%)$!VS\KCV@-UH)T8.FO(6=@L*XY%=:4]]Q:7+>LLVW9IZ]9_E(UNT5
M>/(S[)K=`V2!R;,L5K+0;U#LTRQ1[Y,)2R1.SV:R2;.3DRWY4V1+>F/NN*>Z
MY]5>)`23^LAD7U6].:A"$3HM0JE?!T6-`KPZ+R]V.%5`LBD"%,Q%RPB[6BNN
MVL%7H'672$EAPMP?'XTZ]UAOB4I<L995?QS`28RRG*X"KY>N[-2I0>R+@V`B
M5JE^IEJ/VVX/NNC_`.8D@"3!8SI99]$UIK[_`%LFII#O&?MMI29,K]WU*]3"
MG\&U+J<`NYS^?=BK(:7>BTNV2>2+`LT3M4F9=),K1RX5^RDDM33*B4L5^6\A
MAQCBN\\2\C+1NN)XQIG*Z1M@"&6;!U>QU(5*A64\&CS:-9A\6#:*D977S8QB
MV4PM$',+DC27Y@]3L=I[K7W6D.)29(E>(]0/61"&P#M4G3EN(N)%B`6U/3S,
M_I2V/I[<;M'_`):\S)_+W+632VY94=_G(S;Z6FYC:%)3XEY&9&+ZO^LD0F9X
MW20;I2SOV8?,CS;38B,CB+`!ND&T5X%#(6&3_7@\L/I1U]X6-1%AMNEY$OC*
M7W>O>),F<)_&_6EYX_:Y8)J;VV1"35LB56S7:9"ND,[=BDJ=-L]/J)Q8ZWM"
MKI;ISC<R9"E?PCDM_K+D9OY_1&3Z28S,0Q>6C2!9(4J;)W-YKMX=)7>VS;!8
M^"&9$X9!"F)ED=/UP;5VYSLD9#"OP8PCKRGHC;"E=5U&3*]S[._5F:(W9-/#
M#%UXV3,9OKTPC8+))"2&W(C]N+U\22.'),,)577M-ESEM!G(@_\`D"<IWX_D
MK=5XC)\21<]8O6J7%.51.>U>3#*?(D5KB21)UB/&(P+^(C=AB>%E(`B&8.DG
MFH#$1N/%A\FJ_&0VIIGK2,GUF`E>K/J8]%BL%J152?X27:ZHA8+6<-&)LF%J
M(G<IL8X?-6.8:/G?^T:_%-RWI\B1.=D-=X\M32W&U(Y&3:\TC#B]G9TRU"VC
MUH@`@`]IX41LI>0H!/7;:O7R2ZG7)[\29&CLZB<8:*+A+[$B%):NOML_-24>
M?24"&S_TT#F,6(5ZI$8I+;XH[0<P[#L>@0F`@2F-Q]>[9HD&9:HL'/0C9<RS
M))LPVHR2A$NM$UF3^5*ZI+EC_*7F=POUNLMQ):+8:=1R]NDVRMG3!TA.Y(4_
M;1N=6',:RLE&<(]'.2O^N;_.',QG6NMOQI_%];6OC3B4F2/$Q5ER#UR8RBJT
M2V2U_P#6\"S#6:/*.:]>U$HEE*,SZF'#5309MW_N##Q`<8E!HPZ(3XT[`E.P
M$M=CN+9ZC)SF=?-,S];28/)-%S0<T#',Q72F>30-OMU6D28MX8%VV=6S@Z#8
MH#EBAS5"HTV0!+MRXS,B+\^QDN(5WB4D^AE4Z=3/2<3H=]8O`8Y_=N`)VIWT
ME6'MTG0,T'\>8O<F]/G:!)?KF&V*Q3<K1.1,B/A"QJ0/[U"I"W5<<0"V)UXT
MCT@@VL0Q*#'8%IT/J)*>6ZL;M$=#?]RF])I8F/;UVL:B+DZ-5LMVL\<1&,=$
M)-$"<EV&AUYY+BD?=B'L,Q;UT+>Q.UZ!81/:29R:PBI^<@Q]A'P0&6/'#EAM
M,=@(0OEI41-6HX=ZV\^&C`(DN>\IU<54R4Z^I&2<`>LV6KV6XX*2PF!410.=
M<*=8`+@0C,=X3G5>T'BMXM81X<\3EH?;=L=JER9?VON<;<DJ3Q?&_ASB3)D+
MF>M?K1&%0JQ-KT*)_6VX3@V8]H-PBW$!)*S:#&$F8-Q5;&[J+/RR.5@6X9-$
MY$_[PQ"67ODIWCB,F3^LYWCU1L5A(5Z$'B6NR0.`[/+>L4XF=+QH"'R3C!5P
MH6FSI,Q")SDE]YSZR%_=ZXXM7U^7B,DR$P_7OUI0&!5\56J_#&L\<G5E`6VF
MX$UKH4OG!MZ>"*#;"P50X,+Y'7'7'F'ODTH6VE2N)6\EQ&3.89ZW^O3U8Y71
M]>03K+HF?7A$=5^NAEFO@YYNMG$!*).DVN9)HPH/8<_&2148([!:#2AC:X"8
MRT=\1DR"":=ZG6W68PJ`2DW/4:R/!DAAJ=JVC6\D#[F%P)A5"0UB*W4HH::&
MVNLRDV(?&=;?)K9<Z7;DI4KY)?,S\C#?5>QW\B1Y%!S-`NB'K[^(*TNSQYSG
M\+=Z&?)W2JU\3;F(=<=[?\[`O$R(F-$7,GCVDRW'5=6E23)Q^DG%UP[#+ITZ
M7N59#RW2A5ZV%S2CI81+C'.5"N5Q-GBEQA@?*`EA]4I(S\:;%=CO0OX]J4PM
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MWOSJ=8X;\`=5;-0JH78(QGH"9$,L@CHT!QJ$M/Y+T1F8^A'6X<CJ$O$RNK)^
MQ&C'*Y`?Q*LW>Y'GK7G`>Q2'Z'.)U_/@MVT&!65D[8Y!L0>.\2F5WLB>-@19
MZI#J5,J>2WSCJ$LR\?K-@Z%[*UG3M7BT2EMJG`N9<N_DC$V'/&SV)9`9D5IK
M4&-&E-MM/Q"%.UF-)>7_`.]B0G[/?]R5\XF.,#S*:L7O?EIJF,3:W6;C)C6I
M%.'09.@4HW5Z=,7>V@EA152Q.4WU8^T$<<-*M,:"^VCYBE-]<4AY?V/$O$S$
MUWV+]?(/J]H5M];Z%&.TFI7.IU0Y01U;>8DV5.J'J&TZ2B"H3K\RP2[A2=!C
MSX/WW.2'U.-QY7&'$.M-/$8.?,M[UWV3UX*<8RC%P$VGRAI*^-E:,Y4)M;GU
MPY4':D_?U6B.^GO6B42P7N+!?E../<EDTR&VW7?L.*X@@^IE>!?V&XLZ'%/F
MHUR_DR,6JQ84H13#C-4M5KLS.8N<K=,.V5L$B4_!YL`!3SL_D".WR9U"G?O,
M2&FD<#,B>]^<A$$'8ZH-YB-"3EH'D()3/;@W8+6.JZM'`3R&8C((V9_9_P`>
M_9S+&+X\J)Q:>)<:^XB1#5(1Q,[S7O3E0V08%VD9>(9,(2,A9CXJC6*8%[:T
M&;?#K&91Y[T=E<S3C\*GRD)@,H<B_FLJ;3)ZAR,M]'$RR)_M)GT#,Z[IB@.D
M26;3;;910](AT8H]H[]KH4R[1KP(74^]0^T[5F,Y-RI#G7/LN1H"E1UO*=CH
M=28.<2L"&^>J^@W;%+.U6Y^D76PFS`O'C0VA$S<J,X-LIZLEK!$D266HP<4,
MD`)TSA"1]O[$)"GVU)ZYSBDN&'\))M`]V\/SO23>1D7[:=T(-(`"D5JHUB2?
M(&+18Y-';@U$,Q'?;=D'6(.D@YTA3J68+$*?]Q4G_@E)80%)&?:0^%^PO!2D
M03(@PM.9_F!T<[UTKFUC'1*[5"D?-GZY>+@Z\SQ=?J5A1KM?7'=<3V5QJ8XM
MUAM$29UA'$SBH7O_`)`9KM#EWA-AJ)FUT]!=\CVL&G*#,LX&C0[;IE<J]H6T
MI!15!(RVQ4A3B6^.D7VH["GG/N\;1Q/M.FU^S#U/=4VCMO,LN.%XL/C+X!]J
M2@`\0D!95Z<B=?\`RVZD*L$-Z!)[U'"*9+?U1$6TMMU;,<&E\0_96@D<'[[%
M08%F?SUR$HK`^<,/#,$1'2O!<8JS'('(@Z#%F*5Q[B9LJ(\PWWJ)#;+Z5LI2
M8.<>\JZ%[ZX<84ANN0=-LCI9<:+1&P^=FG%Z@25'K,XH+SU$SL'IN961MP'R
MB77>Q68[#J^\<7UB1QI+Q,D$?VVI=;PSU]V75(\FK0MOK>9D9#L%CC@BJ%]#
M!@9[3)3I25!*MCXA$ZVQU+;$B:A'%.+9XVT\MM)CR0/:52._81GDU>NOS0EG
MK0VHUFLVO.)%FJ%E'R-!"6<?3^0#<6%'C39D@7(*7\0ZE$=KLQL;)4ZZPA;+
MS;:7C)X.]ZL5E"QQ-SEOD0GCEE"%#`NID988-#HI>L5:]7@OU2FRP*@UFWVZ
M"/>E3XL:8KKOY*(JH2%R4HXF6!C/M#GF[S3<&B";REP!5:Q<)_\`9*RJMN_Q
M5V@=-5!+(XI,9,*>LE>6T0B+5&3'6P[\.N\D-OL-)",2)8I[FYSM3F?PH54T
MNFE=!%0'H4>X57L8:)M)*F2=)AYV5L(N:4"MW65FT55@:CMNK94+ZE774OJX
MQXE*D3&2/>'(@%G+5"U_V9B<&MY>ID["&I]CFTH601<=#``1)$_)A1>I-/A\
MT+3YOVFG(D5D>\YU[[2XJI".)F&F_L5]9HMGG4^,>L14]&.MU0?$'`._`_:5
M6:NUI8$1)GS(,?C[:K@)FIDRU11[\$BRMB0ZY]QIM'$R;]]KQG_5+.J<R;6>
M1Y&^K]?V:JH.!Y:?YE.XO87_`&U<3MB3"Y5>'F.RNJ_(Y*^S_L^U]S_'B3'G
M$IBH?LEQ:;0\V*7Y!ZAWZ[UZHD256+UTE#C!7+77J(0'V?BY"U3Y.>%3FC"H
M4&8TV].=[+^3D5"6)2F$O$_REOPO;JKS<+MVW#:5H%K'T1\$(*C*Y6GX4BT'
MB*Z[%)\SY-N?KSAX*)GV#B%RGN1D_P#`ZGGU<;4CB3'G$BD?WQRZ$0<!'@&C
M/DH!,P..F:QG5I)TT"X'D/32C)0]*BP_L2JO4O@3+\2VMMAM*TLK?7UI#B7B
M9FN^T^'[+C^X&ZR\+MM:H$18FW"KB(FNUXV#.Q.+&$WH8Z*:EDJE:AJW>L?^
M/V2M"%<=CM_Z=1@@S/CO;S/3V8;#I]=K.CDH^.4J=H!&KS:D_7K1:ZLV&/F`
MIFH0CLB#&GC;1_5R#$%UYV/U3D5?5I0WUM:TF#G$H&D^\V)9?3+0*MV?V?'H
M-3OFA@JE5HU-<A1[9""W*Q*/RJ^ZN=P81LP9N/((69/9".(F+>XRY*<[_N2\
M29LYB/LE3-P+V0%5/Y`L[6FYQ279!P([%I+H65=[?5ZJQ$/'80Q4^PDH-3>D
MR8S#2VV.)ZKY]:<CK=2$$38WQ)/-'3/2[3-)C'<Y(V;->X]'UC5]JJSDL<?D
MW(Q8MBFV64=IEU&+9[7^5('_`-CV/B),=^0\3:5`8=C1DL/N2$S#8\^\S.4>
MDD_-/9?_`+D42`SJI#D7:93@@B=(KB\ZB'CVI=%TL-78M4DQS%,[7-";<7$_
MEQH^$584\W`D*3&>82%LC'O-?[W^NS9CRM4CURQX>-BWV&?!2B[X0HBXWF,8
MMV^70+<[]8Y%6-R!UMI9?7A_V4#>*E3FA4AI).`S.XU&DO(2^<C]:K4_EGL]
M6)S\H'W1]&L-7RU5F&3QSP#'JH:>FUL9(&J?<(<&<NYVTS!KO?M+D#"$5SB$
M\[SZV"?(E20/0#87[>3M=BM.3RC%@NJIYD\S!D2(/]:+@YE=TB6WF+E$@TMX
MYJ0A<9GC;+D"=7%Q6G&C!+G)+4Q'(>TL+4?5BWVFD^F^.Q%M5294ZP4S?5SV
M>"YKU*&9N#ST<;4D:1<CUY8R5+W#/*1,&L+9;?>88F(2GB$O/(0#ZF4HO];>
MLKJ%)IT.UYN%'AH)UXPM$T@4=A6HM6#=+.FJZ]`S:IS.!-!`/C?RPJ'1T$3(
MB2WE_P`S*(O2VTO,3;#2?6(_N7KWG&5&1-3R9VJVAVLFJZ!4F<%E8)+[9\JO
M%/%/!&1[`F=I&"G7^-M-(_&&%)3:>_<1'^2DQ!P<^LK+"/16]9OMU$V71+N'
MT&P"Z]U^RF1Q0I7GXE]98U4&]/#!7JT6E':U9*IH<6/*AOFAK$>6+1)6Q-7R
M-^*E+9&!,#H/ZZ"UQN3MA@VT*";.DO80F3*`'I-9/U:RZKK%[T2IZ,*>A5LB
M1M=E@!;1`"&8BB8%,^"(895-=B)Y$\0'Q,;S]>UN-W1^W'8F/U)B<"S^#&J6
M;S#`RC4OE--#(]AJ=?K?]`%S#5'OU>A2"#D9\E#CCCLQ:U1)[B&YR4<A^LP,
M_P#67=2DX?*+ZG$)RU5F\TW^?AS2M<*4N",Y*JV%V.OM,A#!$^4%94)`A[1!
M;*5]LL]!=<5*>CO=C=1S\2_0_JKIHK`M2SH7%PFEG=+VJ!I4JD4D$ZQE,.I)
M3G\0W28#YRF%>B21J)3WWOY9JO.*C3)/'&8Z'><>2DR,YG)ZJ>EQKU^L-5MA
ML[3C5D'U$Q5[4=!BB$8S96)&;^MU)!L2BI#YD)HP),Q2>^RS)<<XTU/:^'T7
MQWO4,V91M._62H<)CP+E)H-O)CIZN].V5EVVILCD;2,'LS5V<`S*B%@T^XV*
MH9:3'&>MNF)<YT@WU\G):^:$I><S,3T$U-B]UPIVZYPS5*@.B!JX@8*FB24*
MK1KWG%QB4A8P<`C?F#`C])E+B2Y964E")L>)'A0V(/')".0Q+CTKTO?T;/?7
MVF%I5"*2,?R6-FAJ18:YTM$-I5(QS^82.1)COOQ@Q@?G$V/(8<[S[[4U"'.*
M1]SG4@;!,H8_^M@W:Y5V8.2\?_A9T35H`%M%;(S9%L)7H![(QJKH^CQ9$%F"
MB^T.=N$.)#7&_,^U#@27F)#/7X\2(F7/Z39Z1ZK38.4)SX)"S2<@)[-0-UJ5
M<+A%PJ0*!1=9BWSM;BPXHDBD$1C"'):&'HD-329KG._'B'%JXF/+S_*:U@/U
MLD:Y<,@+1CE5=I^?_P#6_"=,K\B90HK1ZGU?!HA33@LF'5;(Z]<9EFQ=:W&F
M_P"+DDH)'K;Y-I/'VI,EY39_2,$U(T:]CAE-+T%R@>T%"(AK6Y9W+`/MU$N7
M_4LK*X96O?PXT@/M=;*CQXA;T22\,?'NL2G6GI/Y*&6;("/&?:0@_P"GULCF
M259HAZLPLAT/_H%[0_[06NQ_0J\_A%OY9UM4HD6D&EV%B]PXL:#Q90A'<`K0
MY*:_-^XF,TCE]?61_P!A?2&R[9H.CFDSLQ2!O<99%H_8P<XK?(+R,8*Y"UE#
MZ%P9`V3D,DF01;'4_D\6DTVKG(2EJ1,:0&P);.P^N]_T+V&PS3`IRFCJ'D\Z
MN%?XN1"_`M(^6*<N<>Q1A,P=77YAD;;@]@'QDQGRL&"+_C'5?C3%3>JC(!`&
M)1NL^D5]NMCTD@/AX398EMT6TWR"4T,8=>/FXUZRP]FB:]>TP@1-,]C&7S*2
M-4>:E+0XPRF%U@>[SA+Q*&$J[1OUS$P>3ZB1K#5+N&FN4/1UQCR*K]+_`'\N
M3-^SMB5&(FD?9(23UW";$*$SN]E<Y)5#=:4YUC[/QD!LG])R7#]>FQW1'66S
MF(48&5E7DXU3J:)+0*[F,ZY4ZVT@Q7Z4MJHCS1ZLW"`6@3I[#L@+#@S^$5I@
MS')WWV;+R$NB@>JL_/\`VRK1BOCX8?+1(G0]'+B:[5N!*0U:W7FJCB884MK\
M86V8`"-"T:80BQ&.H1V9`?7U"U(ZXF/+[?UF->]$3_\`;[O<!$G(*Y85W,U:
M,PM<:E\*&ZY)L7L82W@H:)Q71P]#1:1"+]!S&8\IQLK$A-\D/<9>7':F(Y20
M>K/I_>,/OD&[VWN6%GY0K31I/H-J2Z6KC5P5DLP?#K!+M+K4*0*(F*47E$(C
M,,-$CK(M_88<[]WO;!(/I*'(?K-T%QHW'C:M7I8Q^3!+CP<F$1BQR4[+K\"#
M86&-RIL&RCVPT'U<$.4LVM8P@AV9*[+3%D,I5&=DRYC^?^/_`(R]=<]+3EPQ
MW%LSJC&;S&,WRZU9<\$U>2?NX.N]MPVG,1[_`%,LV$B32=USQRHKBAG78(OY
M0R<CX.0N<^RNS$-@YEI>K/KA9<*,WPB?ETE;9P'3ZG"=I<0C%FW3M/L.D'7]
M9TM4^+%0_J5V;O[3!3K79G/J,0OLQ]+B&HR&.9N1XF,>(CQ$>(CQ$>(CQ$>(
MCQ$TP(>E%!M%\T?0KI8[L1.6K0$WZC.!+29`M908;KV9ATGZ7%9E/Q!UP??S
M2-V1-XWUJ1%<<CK8ZW(F<DIER/I.VQZ&>L3,L?,70Y<Q8]^GR?M3[39IL<@[
M2<_N.:"E%V'RBT%/SJU>IZB/WOE_)D/L39/W)49AU"3D9+:KZFY#50<4`U%L
M1J)#:H\5IX_8ILV8H=F]H-6VEC7WH_(:9,4.2/R$=4XE3\MCO$R7'N\^749,
MZN7>N>)>NI9@R#(V!L]8XTBGPBMZO)>P39\)FJ5.-'KL%1B6J.E@+2<<'HCM
MMH2IJ*,==5U3CDAUQ*26G0=]+<)?E"%/BK0\&"#*=%AU%VYV)RH*,T2K"*'6
M[I+!*F]CR[K%H`2.#<GK[U3PWG4+2I:NN>).1DC%^K>8!\=*87`=M\>@3B`J
M>-9C6HC!.U5-=(`B=5@U>R#OPS(^)59E;AJA*<=?D?1KZ/.N_)7U1DYS[S"X
M]ZOUK(M:O.F"W>27;!GU-SL4_-FF2MFFQA-NT+2+I;;H:*3GVC-PO=\TB2_+
MD,LL_*/"C)5U24-MLH)R,3%R_2+"7J=_1H,*V@PB@A^LO?Q%Q,-S)=:M=?SR
MJV@#,?FNSD2AIZNY>(BOI6CJ^):<6VIMUQ3GB.1D3H/H+CM:&M-VEVS7(O!L
M=D*`9DVUV9,&J`2MLT&Q"JA68+Q60L<"'M:#)X^VIQU4F2A#G5<0TPVTE+&3
M&^>H.8'ZU=HP$)]NRV6TRM%ARR]GML:!%T3K5Q_C3Z)(0E'*B7!<R\SI,5<1
M7.Q)7V7D(4IAM/B.1GQ5_5$5W#:9E6AW&V&K+6+;>-"[H=4LUAK5JBW#2#U_
M+VUT585D9AMR),%Z86#N+DN..2(3_7.I:?\`MJ:1R\Y$RE)].L2SV[B+U6!U
MHBS:N](<I8&1<K#,J%&8GI/.%8%4K4B:L<-A%R%GG2Y*5)<4Y)?YWBN(;:0A
M!8GQ)-.]:,N(:2;U%V*;:/60Y3+6<'QC4A@`1N%!?JRZU;'1Z$_>;,1H5*%P
MW>-O(BR(L1/'&5+4M:DF3C$I2;Z#9)(T.GV2++LPZDUS.X-$,4*):+$W!NC5
M:YC$&ELVI_\`D^\*@`@3%Q[3T-:/K,?^JW'.I<DMOI>1Q,;<_P!?62%:[$K%
M5X5'B%&:"V\-L5GM!T16:G7KSG5ZO+=#%?R;+0:TZ;-RP4@G,<6XVZYQYU3:
MN/R6I*`QEC0_2O%1A8::#MVL-.`W8_=JTH;8.LMUM=NGI+6ZL!T.0WNMU"R%
MFVY+T1WKRV'&6>178Z&6D(1R,S2_4K*7,[GYRZ_='(Q/3E[+-M7;9.1='=,<
M*LE5VSAAI#<9N:MQA+:FTQN,*3]5J;Z^I3W4G(YS,&WZ2X5"`5($#B7.M.4%
MTI*I-B`WRS0[56)YK^D-%"(P\[.D2^SID"@08CCCWW>JBN26^_7DAWJDO(S*
MVOT\Q*Y5K(J@7&V1-?Q6JP*)48,.W'6%S:3`<I$E-6M,U4MV?8QDR;G`5Z4I
M]WLF4J%\'75-/R6WDG(R-0/1'U[B-PFY@RYG^BB)*:&=L6@6LLX&@S\I(XK'
MK@[KQ'B&JR&SX@F/"B*2M+,V)&(=ZN>RF3XEY&?C_HGA$L\3LTY-\FFSTF#'
MLTUZ^'&U6JG"VZ\@;F=E:B.QF#&?P^U0?WD1U/9+B(W&G9"V%.-+1R,M2C^N
M^=Y]<05W`_V-TI4\K'8S4HA4_+(BJS0H']<4^,%Q'N<<<?+2*B.>DO27)"^O
M,*6U]KK\C[J3)(Q(MG?J/DF866N66LKNRUU3JY((&7NQTK6(1MNLSJ",L_04
MF1^)(LH/-)_:S#EN\6ML*VVTKYNHX]XCD9SD_4;#3#EK<(ULE)_NANQ6&P)5
M9#B$2BEI!ZW73#[/&YR.P^.#-NL/&TM?#C+DEIQ'Q7'9ZA'(R(N>C6&MU^VU
M(/\`W:MU6^4VN46X``=ME-0[`$KM:K=*XLA(GL$";I$Y3*E`&DG^2.*E-,??
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M.]6CB>]\1R,RM:]9LMJN<7#)!D4VO/;C*EN2*[)-2%-!!LE32FZ_79K"(Y*`
M$@=:YR.VMYYUI'?AQSJ.)2E&3ZS*#/7C+1%=N=6@AR#8:_YT*RNS,*.%G'9=
M,"C[2+'P&)*I?9$&4W#N4]/9+2D/JZXGO5?5".\1DRNR_I=BIL4"AD&[>^9K
M10_8`MS<M<Y^VPK+:CO+!9K'^=*1('R2IV8M]N1]V*MA4>6\TEM*5\^*7D9;
MV<8S0LIG6PE3!TR%,NQ%XM8G992>1Y+G/GK/97GFFYC[K<3BS%OGN?%KB$\2
MZE'.<2A'.),DRU/$D\@*Y[):?D]ZT@5.L#]CSR!N&]S+WPUEE[3-Q(;+UB\L
M9H.78FURUVP7J7)L=X6XRQUF+'B-M1^=9=3U,F>`?\IC`GLU[,W1\<Q^+'8O
M;9"AJ:*"<YN$VAT`?IE;K4*0)-!VK"$F$-'K+LDA)-!CG%-#%JAOQ7>QY">H
MLO$?RG1)^VWN#%(WH;,[G-2AT"HS>.D;E6Y]<,7@8!M+(*;J%&%25SX2[#8)
M<.6+B#Y;B*]%)+87(?XROGR1Q6;`5'VBU@EFGLK?'`9:PE,;+56^C:_%SZ=#
M_)R1Q3-H/9[$'LOJL4G?A^<AI[)P,XTXH7994;\7\J#(BI4F.!D"4,]OWMI9
M8XF5<$KR@SGUA!U*^VZO9U:'Q/%P]H]>#&B'H0<Z2G@)]'(8QIT9C\IYB6_$
M?&EU1I+/6Y'&TRPH_A-E_2>Z:.)K8'.=<-$"SQ"FTNP4":4I9\&79=/_`/8\
ML]2S!65++-%Y-6$TR-([-F*B277)W4K3_N81XF+8]1,B6M6HC/<@.'3=+(%R
MXU:(H.5795=44K5DE]Q(J?'#1YV8PXBM.(,C)$I78BV^2I#/6W>]5SB>H\<?
MUFNAOVM]KJQ<F/Y<.,?J/1>TW+@Z'G)*+9K!7JC>-RJC-4H@N87<D6V[T.M9
MQ6CGVN/16RZ+$\MWL:+V+UN2@#'ZRMQOL[[`:&>RN+=;8W21E?O1DB,+A<GN
M!V+IE<KS?LJ*GZM*(">B(+M7H\2FUZ3)A1V6H!AV<G[2N))B^HLO$3VX'N]?
M@07^R$R^O0XSO928ZXB9/7&4+[(3%<4IR,E[Z_+C:N]ZCZ_3O?KSQ/.=SQ$>
M(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>
M(CQ$>(CQ$>(CQ$>(GECM7K[O]EO6G$Q]5,7>`>OJ[`++#MX-9^V<H$G)B=4H
MM"8&1B<-=/?R'6Y+-F?Y&:Y&(MM_GMNODO\`PNIF",2#%_2KV/17SA$=>3\[
M530TW%*7!.WZ/`CD2UB/>Q\*PFAHWI;HNOK*TJWT]F/R/%94/1!;;C_95!;5
MXCD/Y3.3O5[V1S0P7.9)PJ;%+):PAFFR]VMK2RD"PO;_`%C*%<(6\@9B"HM"
MK6C`)*VT=XIEH;WC2)$J+%2J1D'UD>M7I9["'*58ZX\3>.)T"CZQ$TH2:V*Z
M3A]LLQ1'L!%SR([V=,>;AC(0JYUR+Q,=,>.PB.GBVU\B-^/:`PSF;+>G(K2Q
MMFV/MAC''\Y@74_0,P48M!4IVKU&E38UIC@%QS2Y3Q\G`N^JV>KN&(LB3&=@
M4>%SDA]M;"D61L?SF^WB8QXB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/
M$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/
M$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/
M$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/
M$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB:)'-BV_$3F7
M5C6"=*T*PZAI]D=_$HX&6"CB,W=>IE`JM>%.E""%/G(FK:>![+(ROFA0Q3R>
M-<<^+G$RP#Z3!O>\A>PFAX#-<<D&IQFY9:$K:;==(-3D6^H:!<S`^;H]5'LB
M#3I6EC:+6"A)J:ES_)"&Y">;9^''5I>/UEA[A[GT/!M$'9Y:ZW99TJ;&K)5\
MF'4,>CCZY8X&D_$])BORV)BX\>U46"`:9;2I^87L@]EA*N=>4VD"DC,IV1^Q
M8?\`&Q,B,9L5C(5P;RV2VP]M!<$KH$*FV.V'['&L!.(-&&)P]\`R-BQA2B4,
ME-,C?L3?MO/KBHXRX'/9'1.>NFL;6SDXAVQ5R[Z)3\EI";VE4?24@-&E9A0"
M!$__``*45MV]V)A"N1T,3/LLNM_!;G5\^B,#.)*L-]DVMHM!^N?T,Q56851!
MWNLFI1@48@6VHF;/<:8P;::@?"4%C$3U&G/"^2D<61$J9E<XTYU^-'2$8FM$
M+WX)R[I3S)2A(J61H$D!NI].6NN1++F=ILNADJC1DW6"01`E"3]=CYE:UV4&
MW\EB&H[CRWY'VF$OIEQ_SG-_^T?%*'*?;QBW.D(QI50(1TENHC1[N4M5FK-/
M`QV'Z\S<)D4NS1SQ`A,_A4($PP<Q2D/JY&3)1Q_67[JWM@!RS&*+K1*HFU$K
MS7!5NBY>5<>#:'#!N@X!ZRMO`V1IB3_,U)HG&B2VG4,0V2$EEJ3*BH<X[Q(%
MR<3*8O[+0M<*Z(S-I9&@U^EBH=K$VBPGP$B!9*(1MVG5$;;)3<&0KE78)?\`
M5DPFTS*<4K@F7&><4VXMQEI(1B:]H_8O7G99-J+E5BGC:Y9'&;588I\?'#"Z
M"]/QF&$O`WIL<&)61^P(V\8Y$@1(RFG^1Y'69;K7&G74O&?-<_8R$M@DX="X
MGHO\15Z__P!E'YIAV+74-8[/'")M7M(AL[$@/6"YVN<54-BU^,E3:"4"6RZ0
M0EMMQY+P^LPHOWUMH,SK?=!R:5#A4?0H]7(P(-QJ+\2B1IE<<#UV'TXQ_P`M
M[F6/0Z99)!%<5AOM>#,H=>0XI"FNHXCV,NOUK]MBVZV=^BGLCL-(LM=IZI=Y
M+1Y,PY20FC@.U*%>J!#L3P,1'G=#FK6J'!D\[]R>^'*)ZPRF&AR0D*XDL]Q=
MIN&%8Q(M^>009*\S+75`P*%9(TN6&6,;)IL6A2I;$&>,D]<%977CLQA7'DH;
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M0"L/V9XLF)857)4:RV2G$HTAMV5":#.M]2I;Z?M]<2\<GQZ2U[A[CS`96C!1
M>?'YM\)P3\2UYE*<B5^&$LT*6.2_'):+;&0<%0"K!QE@(OEA4(H-(10TKL1Y
M[J&N/)`N9C;C[LP$-Y`:J`^9#:L59L-QM=,N08[731%Y%/I;M>H0,DX`)?S!
M15@U$?)>F5^.::6T)F-M?<^#O$I0LZ5-_8M0[P;I-8#YK?4V2]BATD4*DN@F
MEL'+$YEDJI5B:O\`/[UDD?J>B3;#WOPZF&"KDV5(^'%QT.)"N):6N^W@#']'
M_IQRHS'JI!_JHJPZ.[8P(P.%NEZ!:%8*G3T");BC!.;)@4)*Y;K2.<C(+PNM
MID=4\EE`&1*BB_L%Y,KY$XC$;/#2'J92PD.FCZ04!QP%MDW$+42%RBM<BD9>
M>YF7A<*7,X_"B.U83+B/RH/>2$_%'']9C"7['1LEO06*-BMUMT^J@[]8ZY-Z
M2A@:I;@.2IN$;3S+%L-P88>/#`E:@EL?]ER7PJP8%O\`516Y3O8R7C]9=FA>
MRTO!J+B;&A"?[OIURA9^.N0&LN<'FFB!V;5*>;LPNO,02*$C>WVTQ8C3<EZ#
M#2Y)2UV6ESX(<28R3CTE.0?V59X<C$TU^C'I!:-$"SQ40L8'PH9Z$1HHVR$I
MHUX-%LAJ:P#MTN96EHB#9<F00"%'V&G(D%Y[B7C+_P#7OVKK?L7-GPJQ3[.#
M6"KPX[:U'G!2>UA^R-CR%+!$FX<R2OIFSUZ1()):1]?Q8;+2GNI_*8^28D8F
MM5>_9,.:@5UC1,>.UVU6EXF6$!:S9PUJA?T@[3C=TQ8U))/M`WTEM>[$@@A\
M%,;JE&I+G>*[%CNO)3(I])M9@7L0UND@^SRCEJ8B#5,ZT.O.$S0(RJP9_JS-
MG>I1F4T%DR.UTU/8J,F2\+D=4_'A2(;JE_)]33*8D8FR/B2/$1XB/$1XB/$1
MXB/$1XB/$1XB8XO`45$DQ:9LT:HD.FP$D1KZXI&`J9&=C\FP)3?4N1IL7KGS
M:<3WBD+3SO/\\\1/!*+N_MS7AS=T2K6;(0.5(Q9(E6,1[%P$)G^B]?+Y/LGY
M<9M`M;(_8]CL`XZY'5)C=L(N`OK+G6?DZF3UP/T_^LWCMOL/['A_6O)M"J87
M.[II.EV*PYF,4'A2K-3I5FM,JU@<,O9)^EVHP-&5B86%BGK.U&*2X</^0>;8
MF\;82]VS``$X]IKU,W#7]B/T2^,BKO3J[;+#FMDK0D:UH(.2W0CVGPX(J';P
M\L@X.BFOZ\(_(G?:BPODU.4B0A24(^*98`EZ^R'LE[&9/;M)F4P#7K'2Z[,&
MU($!_H1V49AO3\F=T<UIA.V=MXX.1#U!^"ZVL=R-"CN1TN<=G-.<2KDF(`,I
M>P>ZOM8$JZ8[]4SUPA$%T.VGM."B$%\\&YCJ=A!4:CW.,;>T6!G\LJT>K]JE
M&6?[#_&C&.0NJD*C]X_(LRXK+B-7#V!V7U#W@A;R8.BV\G8H=)"P\_K-@GL`
M:^P2J`NU_AE_[7%(W:+9$SR/XY.&X-:3`=;ZVE?4*=<2>`1*NB>W7LSWIT?5
M`E+-HJ5>NMG,`H.67M^=2C]*IVWD8_K814W;_NSKHU*S<"Z^32C\AV*6<XS!
M_P#+&N>(XCWE>E?=GVAM/-`J&;6G+K`P"J&VHJNQ`J4@>C0IE1K>COMG<]J%
M@OY"2>MV;SZV&>D"1\8S$*(**=<5$CJC=<2\1ZF;!^SEYV>4QZZBZ#LD6&-T
MK.0A-\@*HBY<:[7R'N'J@H3:1\L-8H)"$/;IUHL!)\(Q*_'FAVYB'7.LH4\P
M,@`\Y$SWK[[*>PFA;^G,KR"I8RL@JN509==@IJEEM/1*$1HFIU$*1N!,](`&
M+,Q)%R8"!SL$<MGY?R;COT84D(`$H*?[;^R5!SC1"YN]URT%*J4LU?$$Y>,_
MQO&KZO8?9]N'6KK-YH8$&""AL^Q$2-BML,/%"!"P0VVTO29D-+@S+B,SH6#W
M=]@)5C>:'UZO62R!X%TO*,4!U#3Q-RSR35F-1#U2!<IP>U(7?0]Y"!QQYN&Z
M.9^ZB8C[#3G71[R9'$3979_9+6*+E7KX=RFS9MK3^FV4L)+;%*$0JMF)&2-$
M&B=>"*CS[_$AU%%W-CTB>2>DR,IA3+J8T25,<:9Y9B`#G,I8C[J^U/\`;JH#
MAYY2`\-NQVZBG)%I%D`$2X7[(2E(K.GA*K/.VL2^J*;>LI<G5T#HIB<40$0A
MMMV,J5);2\5F,+>TGM4!&C#MEOV8UV7#S*QFGQIO-7:76+@9(U3U(TAQD00M
MU]XB!=*+7-;M<$*/DE6(!>6,:00=8^,E]A&!Z38W;_:.\5PEZS!L\9G02.TQ
M*82(,W'.'F)+H:]V&CU%S\>#(M@\L-O-+1<E&)81F&0_&9B*5/>C16U+=2`>
MLIS6M5W*;ZB>N%B%[(SVRZ5BNCQM`/CL^Y%D7W1'/6B[V.NB("0Q>*1S^R1]
M!"=2AD>YR2Y.8ZPA*%<^UXE`'(_X]Y,\U]EO9<Q[+US$K4&HG]9$F+L%/6J<
M'[1YNGBP%BV`1(M.?BRUVGDOY&I)I5>[+'P(A>.XP8D27Y,1M4)/4$#&?>5W
MJ^G"IVX:NT%V#3:OC-8O&94+V)_%TV_P2`:<[/.%K#:Z:RR7_G,ASX#/Y7*U
M.+U[@R(4?*3D+5_X'92T#T]/,D==LFBQJJ9/;+?[<):/^CWKF:+L:+HUSQND
M@-0D6>ZBWY<ZVT`=!M.<V.XS7(*;)(A_<)?5:&?@AI#;/$>,X'UE5[_HNUP_
M1WU$LD6ZZ`"T"P5N>]8SA6VZ%G5E+VACUVTHK6>SI5(&2;%:3DFZPH,D&'*Q
M4Q[,01$9(MI6^M'B48Y&2TG[K;F)-3$2W:S&##KJF!=:Q*SX@SK&:"!^D'Z5
M7*0P-EW"!7-%UK8*P/AV2*.C+@O(&H(+%QR/5CFW4<1(.U[F>T]2J?\`'<-4
M_1]"#UR[L]"%,CL4(]9R4!G<I92\N1ZQ984.#7\8L>?B0!4:TRA^6MYSCK\>
M3.'>(*B;+ZW<O84S@M9EAC9.+J].]IG0DDE20QBI0M"K>0Z#;)S8HH`5.-O1
M:WJ-?J#(X@S^4]%>Y/4IM?$*0E*8C&?TQ-<PWMSM5/+.'ON6\I_WO[!UF^TZ
MI:/4B?X`+#[U7_74.!SFNKEFPA2K6L'5=`2=EB(0XE(:*(*R9O([,:7U:7`_
MX3F/^X?LG)6!J/+;7ZE8%9EEE[T6S(QMR+'I$PN>P6ZV@B(KYC0#Y"9GO,_T
M\D'D$"K<)*)8F9^.ZJ1`E]0EXB<8GV5]EL@SP`%)':]/8E`3]]KMON.:7HM+
MGDG#6V+IGKY+6U<ERR]MT65G\-D>6^;3_$R'([$%QYV#SDC`)FX_KA[`:1;+
M:1K^WO56O2KFE\AEP"+6B]4*QYL2_P"_`"-"7(+'3"+D8#T;&XYJ1+8;A]_\
ME]WC*8RH_$V8D#VFM5C]RO88UINJ4?,XP",(JUBM"QY>TY4:)EP,6B4[V7)E
M*>8!@=`2A$JR6#%`W8$N:_"GNBS?)7("$SAW$)>(QDRU?5W8M(UWV5T"==#+
M,-@7E<V`_E(ROV<.QE9(=M%R"!X-H)%"<L38[5:J>(A%D/MQH+Z8<GBT-JA/
MQ5]00`)Z2^)A(@2T&A!U1$E[O4!2B!-D+`22LH:"J:9D%I(".)B<E36NR2;Y
MV&]"0PCY.JEM+9XGKB5)XC!F*?U[)HS,B1)U#.X\>&;+5J6^_=:TTS%L8&&H
MB<`2'7":4,&PP]'7Y<57>/QV>=6XE*>?7Q+@S+2]`H<`373\Z[5&$"M\H5"J
M9J79`T<3:)IYOCH.)723TU$,U*,M=XJ(W&6ZN0G_`"WQ7/$DI&\!/4J]%+<3
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MVP]-+Q"L8@\X3'L0153C-%9<R,A]M(UAB7^/'^^KK3B3R91CD[T&`XT6/\K6
M8.T1T,'LAH#.AB>V@@!MAJP9L!N!\79IL<^L<?F:.29C&"2T(=9*NN\?^CG5
M>)?NS)1::WZ64O,[O&AU;,SXFK4A6V%J?1"U<F7PL`K'3E['W,.INQ#34N;.
MF7&?*BDUS6>37S3O525<FN=<0.69,-TF^M,R4)9V^ICS\_.*:_JPR(4K!`Y(
MKX)JRU@0TUQN`S(:DS2UL8&_BBU=>_-FC6WD-+<AH6V@9]I,0A#UG#0G`P(U
MC$,?;GXF0.#(9VG]BV295(2*W%S3L3DU;9:>"A%N0_XCB7'6>2O@IKG7?HI)
M]WZR'TNA>FU<6S3J3`PYJ83L[H%`*"8K!0P7N-"F";1*!O,/D9I4M8ZA*&P)
MC\5S[LF%R/'6XA"6VOBE/+WD*K=']([B>'9G6*KFUH9J].)#@DD:1'GJO_!:
M/,N@,UG(HLR;F-%7N\SDHZZ"3QUH6R/2ZVVQUI'4/TC[@,R0-8UZ1"R"1'*Q
MA4<H*42QYT7()5Q1!HII+=I)3Z42A2B*Y$BX7%BZG'N-R4K+2FC$_J.]1+D_
M<1EOUF1JO_P\K%ZK+M./Y)'OMVMY<-5&0EQ&DB1V^5>C3^66,+@1C$QERU0J
M/+><*+2WR6ZW(X[*4MUY*E(^Z7&=@9)JTHS1K`FBWZ?4TRVK#4IDD,?G5Q-S
MJAZJRFS@/[TB2)Y9:98B4+O)#3?Y,&6^CGR0M7U2>1YFJU7.>HD*TU?V+5<\
M\H<,-6X54HU;._TBG*J;VTV.JT&';GHG'.&V)6LP<\K0@*Z^XU%2&'(1'0E#
MK_Q2_=Z2TXEI]/M#AS+Y'M.%V:$=&&+J0LCMAJ4AL@#BE*G2S=LF2I,U/7`C
M9;,@PQZ<O_QNNB(S'5_\:$^)/N$C1B@>CE*+-4^P"L,K!8@,M&X)#&2($4X]
M6D,QZ99;J\F=.9:;I;,>WH'?%SJ12&Y76VF^)2KB4N6_69/10GJ;3#E`L=XK
MN>P9.QV(E1P-ADO!X`"S3K+'NNPR5'Y4DG`"'(A4E&)S(KK_`"6XHB3ZF-SY
M3%_)(,GQ+!L,7UTN5E=E661D]AMW)[V4O+(E:S-.H,/`+3#?SU2%RU36S2ZU
M?#"5#/IR3^(4D=^W\'5=ZCS([IE:]4;FW,`ZGS'"/:CVLTJ;`L1RN09M54>5
MV35:H]U9&).`.65MM28L+O65$H_5M<0ZTI:.H'+VS,U4<_\`6I=MG&J+7,B?
MNV<V)Z64FUAFL2;!1[2[01>4O.$^C%.3*X:[FU1B@>\>XR]P7`3&^G&F^IXC
MS-7KI&]+AW=3W*_P:QH=[TXGF0LM42Y6CNZ.+FZ*.HN997G0L+-L8:%5C!8A
M#87`ES)<63'?FS'N36F/N=0E^[TD^5DWH2D-%E2!N$PP;C!6MQTN7("R';9J
MC[4ZXUEC[5C_`(O[,64IM=DAM=ZW,6E'227OHCO$9;]9REZ'Z-F0K7Y5?QNS
M4R3?"]E*$(9FO%:15;-+K<BRF29Z0@WT)60YD>\RY)B\XB%+DSXSCK"E/(=\
M1EI;9X+ZUZG?<[+'',KNVC!!@^ZYJI9L"4L:@?2,.RA;0!@QB"Y)@(P8K[)&
M#+XV_&9E1.2&%)<1U?$GD2@HU7]$;6*N=4AYCESX[.;77\0N`6"*K`Z17(]%
M<NK0B.5CP244@(H=>:NEJXM4G[#+D.47^33L=V1]Q+]W^<NCU]"XO5`]_P#^
MN=`HU[GV:U2-%TFPULK3GFW9A8./KM;61@U-WHP,$!4"F#@HM*D\YT:';^2W
M'$NN*2'/O*=S`[^O^TE5-YRUA<YO,J;E6CB;4S*J#HN!3J?%N[>;V(":F$'9
M?0V7P[443'E=XB(%0:^#3B.O*2E*>0]<R\L21ZU5:;:<UP*3F4*>.AU>^6RL
M4`B*F28HN\#WD4HZ1;'R9*T"2P,%]L3SY?CM#HS+<=*(W&4^)#D^3-@O$D>(
MCQ$>(CQ$>(CQ$>(CQ$TTL?NOG-7V&?EAD!?1D.NV&QU&V7";0[HX#'G!-8QF
MWP2(^4+KY*',HZ@^QQN$3CST6"+>8YQY7&WV75IEQ\9DU;]I<SLN8;5HN9$_
M[JO%ZO9K`5$R()NM?R2@]6(V@*]`DFA$=<^L6N*/5V`8AM2H$MOBUL.._!7.
M),'/F85KW-PV&`EE;+;(PXE#NIZ@]KP(5<;26G60647`'"0L")489<V2,\>B
MM-(BQ'6%$Y'X3+TAQ'R6CB9/\V]B,MV8';;!DYY^YAZA$@.SC<<)8!M>D3R=
M;C6J,'@FRHJ'!(%8@@A%<GQV%.OCE26VY*&W>_#Q!!'K*DK/O1A9,#49!\P7
M#6JSBZ8EBM0*=>C[16YVF/4DD*+134"K_P`?H)^IE[J/B%&1:GW1RY">RD,=
MXYQM+Q,LX#[)9T:S$]K4B+=Z]6*_H-JS%V'8*):(EJ+6ZKZ9-R1L?6ZG'&S#
MUD7:+M%1%$)A,/.37)#;?$)=^XVA)@YQ._0?8O(=-CVR=3[/)F#**'&&[B8)
MUJT5P-7&"8IPW^`4+V,,*'1SPD8UUPH.^YV<([]$36F%]XGJ"")556]U<NLV
MAN4M(^]#1Q6GU.U44Z4S#4QJ[=VQQ-6+<'(&D:1#>%RR%?RJ9."-/J3)/,\<
M_$:6I">.)>)Q.ZCWE]9^_9[)O18<U_#E#)*64SW1A\"N_P`0[HK$P+9R,JJ-
MP`%J5)R2R-,"9+C9&4X(=2RRYUQC[R3B9BRWNYZK3Q\X)8KV:",D!UM&6"`;
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M4/\`.;)+]@<SYD:MP9G6*=GS/""9LH;2+F1/BWPIN;6[%#+T^$!?M8F;6#HR
M5%)-2(;:X+T9U+W$]1WQ)@YQ[S67-_8OUJ7J>@&*91-J?MAV'I$HY>Y&<:Q;
M`QH%DA"DSB;5*GOIL+$2L&YNLQ)@R&&8C0YCCCCKC2'.M=<2E3CVDIM'OEB`
MJ+2C-=+3+%5+#::8#/W%5;NHVKUN/>*G.M84<@T]5G(!?2)<;HY#5297_/K4
M383^/QU;;:T<3+\";KFAZJ:%>XIJ=#IN6SK>.NME-UVQ`1(V5G_YK5YY%D%Q
M4/I=JHD!<R%/7#X^AB=#>8[WKC?4^),&0()[?X4>LP&FQ#MJB6<Z2BA5AS>9
M:77Y-8-$2<X*'#7Q9JIP8U!+6`K`4R.C&%PWI_7&5,)<0^RI:.)G2NWME0\Y
MU6YT&Z0"8:IT+*)NDV+3TMR"@2,6$JCDC.=QP0B%/L1"W#J01AGOLQ67UO0)
M2>-H4M/>>(`R)"KS[UY,%KQN=2W9=HLU?"G"I>K6$#H%%D!Y8H7JCD>LF9A6
MAR8HBZS3V1%XG`\Y4.6F/$?E]_XDL_D)0I]Y?>CZO*S\_BH=-.('X.N:(G/Y
MQZ*6$P(5)<?IEIM4`G/AS'?Y,UPC+K?(3;$-E7PZ\IYUQM#?$N)`)I?W]DE6
MC9?V[$*!.5:90W0"K-*J<VS7=VG)SJO5FT&06R3(M!#3\SN<D19FE1!RH,]$
MQ7$\C2'^.)[XEX^9Z!4.]US2:Q#MU5?GOB)DLR-ZV6#&*Z7@%JX:(UNPARX&
MP01IH06"'Q,F))CR&&W&WF5<^G>?3O4Q(Q-0-$]Z`.:WJ=1SN<'W'0IK:1=A
M)QS8GD<+%RW)0.N5<E(CNM(D.HU@78F((EM/^Y$[BT*ZOX^)D%S+]R+V%SC9
MX5C5424F08I48<Y<0J1!_P"X-=GJ,P^.`Y4H-"1=`BSE8+#XQ(4F3#FRQ<A#
M*U*;[SQ(01*[[[P>N?([[O;/:^RXC*E30J,LU%VP0""K8JD0*]."-4]9&):S
M=E;6R/%.-IGSFFW)#+2XS;CJ4O$R7W3V9S&E!LSN,LY%(4340?+!6CHB):3A
M8X/)HJR*FJJ56N50X2LC]FFW"`RVS\HKR>R6^H0[WJDH2`&1M'NEZ_R(<B:/
M/V\RB-.JP1R*!RK43I/MKN`B58`]';$":?+*+O+8.&N7-$\9_-',<^4IMG_3
MQ+Q,Q,?WBP+C!23,M3LQF-^--$.TNKZ)>F380V68"T]R.^%HW&>V:VSEN_B!
MV%2I3C45]YOKC+#[C:.)F?S_`-K,\UC7A6;9JY*M0&?F=OT'_L)@39(-4G.5
MFP9L$2)JIT@"BUVX=YR_]_D'!\YY8N5%Y'?0EU:N-I,8&3(!F/NA@VEAZR?N
M"?Z;H$`:0.0:_8Z=;>DX,299>9Y_*T4P5J0]=D%V0O)Z/C3!/'&B*VY+;774
M1W^H>)2I'IZ20[)[C4O'-)&9P7J>AD9+<^F.6@V*H%V."(%=O%2VRQCB%:<K
M->.OVXL,D8M*20A1VT]B0WU25+ZF.^E"`N1F6OG/L-D&M6>QU#/K>U8C57A1
MR<[C(LU$&SQCTZ4)=)5LT0'10]J@#34)Z!-=&ORD0IS?6'^MN_1/4A!'K+H[
MWZ<[WZ=[].=[].?Y[WZ?^G.?_7Q)/(Z#Z`'].-2-0OAIX%+MFE[P8=SVQ<,1
M955R;3KWVV5`$V[G]Y@C7;2#F.F"DF++=(#GW[?/8?2K["/DF?+'I,Z*_7C;
M%B=&(7[1*7J%[OM7.U_LNU5R].!QY*R#LC"%[=&(*T27;!%@7$S:9-C_`,1+
M&1H4TVZU'::BM?;<1REW[YZP:/K=.R:H/;%.?KE%`"H>EPX]??%&M.*A2%((
MR[*)8K-KJ(0983PRM%AK8\AV77X_]A6\N,[V*TGJ0$`S47-?134+\")E;N[3
MZ!_)5"=Z_(B6/)AC=N*XIRE5,*]HT@8(TBS0@.[&3SUQ;21ED"7&8=F??2VA
M?>MO29<@#/5FX56TW#([/2'+(."72T9V9JKMN#"9:!0BS&ZW($.V,2"EEY,Y
M$"`3D]DQXCL]QWC:$MK?4KZN=LP]\SSM*_K`K'9J05:M[5<S"./T`57:T-3<
MQ1:@_P!GEU"SUH^"(!+L/B68_5[K3![R/YMF4QP<,'Q6$L-1>)6F7/\`SG=F
M_KNY:#Z3>B'LZX%<J.95V;6J=7KI6Z=71F=]+5LR`K%/D7R54>U6YYE:3T%_
M^4B3I4.4:D+XX\REMM".7TF&V#T9NG*EHC]7+A+98;7%++JXP72((UX;HUN>
M]DN!S!9XC;(@:+FU$N_LF[99#+;;DSC0?[;2'G/LH\0&$V3N&$:,)$852<@*
MAX3.<#]+-S=!MS;A-;>K6*H$*Q"OUAK4$B)(6<A8Y.@6<K-^Q-CJ_EGFE+5Q
MM:E)29'G,IJL?KM8`V*F]DW.LDJ7FUK8L58'OT9U=GM<9I>>DX(K3S;]A>A'
MHM3*9'6XPAN+$B,-#H'>.MK?XPXQ,2\O\YU!_H/-HP:G"P943<)+Y8=7+R26
M'A5>2Y2B$OUZ"6$FY*5.(2I:8.4X1*"L#V^.<?D6-:^=::9[];'+,NG<_3@9
MMU]+Z*2L(<;:$,XC!H1R14VS1//8>07X[IC[@O\`)+L0B$NV6TG%[)X^U]CL
M6"AI;;O._7B0'`Q*+K7Z[)[S5IF7W6(%@N-FF`WYQP<$/SB-=6BQ8J8LDH$5
MN5TM)N"9L@G#1+:'N.,QXCTAY;$=#"68Z)+S^DX"_P"O"WVJK0*8:TO.ZV*3
ME-#SJ<4H.5SQ5A'S,BGWHC13-1G3KK*<`1[.9M4$G:6N+7+(/"$QFY:6G^.Q
M['*7UC_J@2H&YS=].&J$\>-YP"S.;2J?17@E(I82HPH/]9[E+$XT1F4UQXI/
M.*,_'Y_R\2;`8<^'!3*G4A.1B4D=_7];[7=IELL&CUC^&G7+5K3%S\..T0/5
MZJ0TDS0KG)LX22.T2(9,GY^AT+^8(0BKTD/QTK*;AL1FOFF0EY>,2Z,>].(.
M.Z94;D(,5H@!JU4(U:,$744CB$+XYGA6?`S`HA#)=BLDV>Y26D2U.1U=?19'
M4)ZCK/5/)"V1B=[+?6;0J5?-TTVSZVQ;+QI58E5&E'.ACK/]1'_VB^V0>0G"
M9UM(`_R(S5F$0>Q`\8/$4P`;<7]Q^0XXA!(QCVE&47]=']!+0)\"Z@C#E>T&
MO62OE+&+N!F4Y4X46"[+K1*O3KP_38DT&?JE7E"I4"%'XMJM1F9*%)<<5R8E
MYSKT;];L4*=K9&WVFM6.`!DXB2Y"9$6Y,'O<MJ655P[5H]5)W6?2$UJT3\CA
MSTONCG9[:I\I#BW5=Z\[8Y?27WN7K);=,U$=IU:LV>PI%?$9S&``KW12=L#\
M(T@SJ!"3PRP-M->41"R9E^&&(T9*F>LFZH/<4I;:E<;2`^,3@M?IF%L&>Y#F
M+%F8Y6,CQPOD@M9JMQ#,^5VP1\]K)BW,\7*CP19QW.JX<%,_99^+';"XM'>-
MM?9<1RD7]<?1L=B=SKMXL)T3<SU4!W$'"*OQK80)&)IPD$D![S,>N5OM3->M
M42#PZB2V)1&BN.6*7U/T1WXJ06S(C;?12XW"W:&=F7[/H-=TFQ:9PE3.4`R:
M&5P+JX(%6;G?*E),W%UX?LQBO!GHB9+J7@<%16:_'@I<D2.2$O+Q+=SWU(5G
M5)U*O`[C`BV'2,=&YK_:8-81"?@63\C5+)9=`GM-E%2#1:PZ#KI,HM+CR'>)
M0VVMYQ7R=ZD+9,J=[]>`U8UD5"OHX&TW!MS7\@&HT.,605LAO4[$-.<EI+I<
MD3JH5/4SL%3O5.-LTMIM"V^2$]CHY3DK/H!&9-2;3;#.<R"A*=E;\BL5?->C
M:!7Q&<63.2TVK5,.6L)>;#$VX+B=/@SUOO.NR/P)*G.*:>88C)>4X*[^NT4&
M+T21+N($B"J"<UZ0KR:!#B0K)(S]O(C$B7/:27=B=DV.]YP0)R%K9=5Q!^0U
MWY_#BUR.4C_J[ZN7;,M\1TV#1.SK+`EHG@[_`&.G@@5JLVJVVK9EGLB16B(^
M\6R5*SZ%5*:9?C-=AB.QDG&8RTO.QW5^6"01^LD!_P#7C#L[S"C5]%/QB;4]
M=[9;I#2.W$A;K?M5CTF;,5TWU/\`^M<#<B<)"7N/]CIC,*[USG%(ZDY2\LN]
M6TY=W4B(:QA(EDTBGDP;1<-38@=@+83NB;3IYJR='1R/6B*'[+L'Q;C*4WQ$
M86RCY_[N]2D)S-?D^@=H%5^KJJ6E5.KW`$W$CSI(FEEA8DN)A4?#LNBU9)0/
M:QUV$`VJ#DLR-UZ&19G*?-NN(=:[Q?7)B9<ILAZK^MS_`*W@#]?E6$3;EDXN
M;1(UB8"3!)UYBDY33*(18,O33)MR<R1LM=GF8_U=ZXSTNXVZMY:>O.68DYFU
M?B2/$1XB/$1XB/$1XB/$1XB:VV+U;SZTVW0K:7+W)Q[2(92*8#LE1C`8<Z=K
M>85,Y/"H2$_DV910-CP%*TR)4EAMR,XMIMOK[OR2\C..@>JF89OEVB8]7.$6
M:3H\"Q!2$=H?2Q!42`L(>6"4&@G*S4`)0VD2.FN(B3CKA@JGGTX[*=XGG/$$
MDG,K:P_K^P6RO$Y9#MO7-(!."67I!($8AC)3.Y3_`&$AV&-7[%6S-8('(=]G
M<:YTA!FQ7Q##<&0P\QQ7%I>1EEY1@F;5<K8M(J%F(V5K2LZHM*9EP6\_$U95
M*J0V>S7'@4'-J=4`I!U]@RZMN;*3-6Q'4B-#5'A-MQDI"2?$J<A^OK()U<+T
M_ENT^/52-8)U."!41HY8?61UH72W[]*KB+%03+L,W>Y]!&S),YU3\H7/;<DA
MEC'G5KZEY&6T,P?/B^4F,Z`7>US:S*U(YH@"R#3P`H?HM]&ZT]HTCE<-O`Y\
M6:NJZL/DO=9-,EE]=^]$F=?9YUGB3)SF93-_6S-LTI]\HXY)ZP!-/[)<OG]J
M+<(3+)+*5J+6;'/ER(,47QB5:&6')4W["6F_RY+JF4LM]0TA&3ZRKROH]F=E
MJ+]1N-WUNX(>%`0*;`:LX./960M5JNG4RLC_`.0`U4+'E\$`-8)M]?DL/RIJ
MVV%S'9*N._>2\B/(D>F>@60,9Y9*=#<M-@?+/$SC;9BQ":E"G69[FS3(/7%4
M2E#A=4&(*[@66E(H2AJ$EJ+]F-U,;[3B.9SF557O2',Q"6RGL;H#<[8MK+WR
MJ$)S,^BD"%J(V8OH=SJ8RK6PWEP*TQ[AG8BP3Y4:;68E79?Y&_\`*@N0X[;*
M$O(^WH)L>;P[-*CE",WM&R78"LMJR]=C:6>MM+%WZ7I,2_IUU9&)(EU>-378
MT8Y!_P`C$A^CTBT=C=8^Q]>>)CG)S,9A7KI4/7G4+P?;+C(G='`YCF.>C9]B
MD$;">@Y95K&:.6$GPA#%1W=`N$PG.EEVQK3C3L$+%D+5_L4VPE)R)T)GH3B!
M6D%L_.3+R=KQ9R'W[1,T(<>@1@]6T"GUF!$_'KT:*]$JX?197XOY34EUYZ)%
M7+7)ZAW[R.1]9.KGZI9_>L:JN)F"YZ)7Z@5;-C2H$-F8.6^3^P?BR7YU4@9X
MUE;K4QFS2U=9174,L2E-S(Z69S#$EM)R(.90AGUH]8N&XV0.;;91-BZ28A0<
M_P"6S/29/\\\+R^YQ!$FOV"EFE&V)K_K@-L*X)%J7'DH1,;D-."I?X?B7)]9
M*(OZ\<1C58;1%6+49-%%F*?<8U4790D6$QJ%#`1ZY5M:'%!E6@6:O7T3!'07
MF7!<Z"/8G#HTMJ(W)0IU:.9EEL^N>65$!N;5SMUA,P/8UL55](+VPI4JTF<L
MR,[G(:*._IE:I(>/9C2C[<1))QA\V0E+BM.2GN,1&VDF3[>TQE?]7,H`V9U9
M*\7.V:.<L%-U(X4M%GKG]MM9+,+:HN"L1$.!KX`:@6.EDH@M_D$?$B<B,QFO
MHE[JG'4N3*Q]AO1W&M(B7<B+(,4[V$UFP64I7-6FE8L2Z2#1'.95,EU>`10.
M?(2ZD)S<<IML8RR[QEF`W(5\EL]<\0&(_A,W9_4'UW``SSFAWNS1%7PQ)(6B
MWVVZUL#.M%H_@]RDD2DB0@*&`QB+@'7+`\MF'&C168L"/UMEMJ(KBD9/M-L[
M9GX&YOT6085/XYGER@7H!^')3'2HV-"'0$=)#G67?RH/X%AD=4WSX=ZYQ"OE
MSX_3J8S6\UZ49_:")L[;=`UFSVBS3B"K%9R1FGQB9>MRZVW6(5&=BAJ.+!0:
MN$BLHD150X<8GV;Q3K\Q[[KR7$RY$>DV(H^=C:`_8>AC-BDCK$9/6%P&5F0I
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M+X[>:W9+P^VV"MX()2"$^O-4&J-:#8:O;KU-K0`)60ST*79[14H\UQ#DAZ+#
M6Z\U"9BQE\92D))E&=]#:L+MF,%!%GM5B&9OIU9O$@A?+.U+/!JOG0[4R.?Y
MI4HP"J!XA&K,7W4I!&4HM(>E?;C,H4[(^Q$3%2\I=M]QS*;MIL2[6.ZDH1_B
M`U&36(EFK\$9,L,"E:]%!LJA/CGCG;4BD;78'T16Y2$/17&9"HZ^1T.>)`2!
M./UZ];,EPE)TMD\E4L-<6HDAI2XM%GH;Y]U^9/E0;B$J@ZY'8YTK)=F.M$RQ
M*+'?<5R$W%9^C7$$D^LV8\23QRLKGMC_`-JWC6J@3UZSD,]T+2X]*SH_GH=N
MK$A-IUNK4J/GPN?.I@R8U2TY)@<T\DK#DN2N2KA"<20YR0ZU(3/[?0R<^NNP
M>WMLU//<^T$X-(BKC3.;#8#K%(G!I5*J=4*MUVPTLK%M6:Y29A'-`T(DF&$:
MD!>.1JT-F.)FSID9<UU!"@>)5MJOWMQE,;7B=+!;!.D;0:N>BT]+.;QYK>?V
MR1=]4A46KI7"R'3SDOMGS'-:[%E12D!Z.Q)*1U?GAFUI6N2CB<9EQYA>-W*W
MO4-NTRNZA8R&*8OI4&#D8[+W*J)9O!W0ROTJN2&IP&*0TLI.I..!Y,B7V6=C
M(>/-JA.I:E_B)LA`]!]9@S-RW>Y>K056I/ZD-EVKVC"CT7*HY&<M=^KN09W=
M6[Q!M$VD1L9I\R5`MI+.5#H$N=2HK"X1N#V1%D<4IY]&!GQ])#*/J?[#+3,<
M@7ITIG[L.8.KMQ@5C+NG;17A=<J3%Z=N];X;R9W.Y1[2H-*-"W?LV"T#8Q2Q
M"X\<=#>C.\DH(7VD4-'_`';V"KGZWJH\VP#%GZ>Q=,[K.9O3"9=C+XC.IJ6M
MFQXU_5"M9VQG,B`\I%AG[%'D/608.:8&]Y)9ER7[1Z2_Z$2W;+\(T2;.-:-T
MRO=:7G:(,/+N%F\/S@*F@4&Z6G*J$*H\J?:*_,B02)\8YUBPPDNDFGW>/MLS
M&E63QG^4UZJ^R>X5`SERLURHZ9*M<BWS='N]CM^)V,6Z$H^JJST^:LA"4'SR
MTC'[N/M.VF)W\,*%EW1**2_'=&\AL2(RDN%SYFTFE:#[85G/\'!0)ALAH]DH
M%E-&;5G^5R[:,MVICYU*C9]GMKZ;I(F!G52L(BQDBED*3!5<?2P#?3"Z-<[]
ME*0!?/TF1HVG>RU<S'9KUI(V^V\@BHYJ?IU=B9Z.KQ>H6;2%F"MA`@80:G%3
M!NKY!7;/7T$WI8X^51+$%5?:E+ZB`A)@9\2O+>3]C]&]8<,9.UFV&-,L.C7`
MV8_.IQ"*Y$KH:=H8O(IM^#1ZAGWXBG212ID9[3X0']UB/)6Y"C<0XA"7P#^D
MP?JA`]D:QN\JN$DS:]G%@(V/8+BJ\T=T79[R%OC%TE@8;IX+CL,`P9RYM^H5
MZ##E6F!.'C0\]I\?+;=@.14'&)`8OLM[;W4:NUT@GJ3U`T2!:C-=/P/79+Q:
MGW-R;J9K'<CHL$C1'V3M6N5815$%[@;01")^:NQR<)R;\H27`'\9E*>2]F(5
MZ.3CR;;B:-,)78F5TX=E;]NEP[Q$EE2%9I"9=GKEL`U'-S]7FA''C!6%R%$1
M6I$5,N+)E==3(\8ERQMP]C#WJWC&O/-6T/<]DNV8V%NBT_-.&KZ/R4V(#LSP
M0[JZC=JG6[B:CM*LLA^Q,-08K4N0*3)AN(8F,63`SCV$HNOG_>:FR*G1ZK.,
MB8&GV%_1)MLOV;D$C*7HVG%R6J%<FXY6,BOA!RE,=TR-&FRC284EM^O$(K1T
M:M3:&)+]I\GUEW[?8-]I&]WK5Z4,T2956Q]3QIRO`:-&,"7:N&S^WVZ9K'#"
MJ5=+%&17M1VL*VI0V$0;>A5PHVH<1=90TU9!@C$K_([-[.;3?<+KVU+U&OPZ
M]?(-^+UI_()`:M66@5RGW.Y4R[:%HK^>4I@5=5Z&5K0MH'$9!.]=!3G)05K[
M_/QT'`SB1RS;-[?5ZQV472!N[VZ<6T[>;.J#:<[?;J\6D0BNM5JC4*KR!F(R
M7(@P")RH/*9G.V08\^0N,)YE)EEQ;?B7"_I,!FMP]_!8VI96*3)HZZA0<SH"
MH!7+#I"(.)FF6LPM-DKTR7FQ<#:@V+767"DQ",VZL?S`<.1)2!\J*2@]AH/'
MUFRFA:;[/`<-S9(QS2&KO:C>T-OW$?D0VRWY;0-Z\2/7^JGZ</I\JGU4OH_$
M@F2Y68+@B8K3,I/5CW)+$B.F(`S^DA@C4/:74;GF-3-RM0RP>+V,1`U`W6,G
M(BQ+DJ)=]VLL:DLV&ST8I&)T+M1RFMBIY:$I<&3_`&UCYD/FZGG$N`!.YJNS
M^[(;5]`K]'HUDET$(2TVO5\W'S+I5,]P=0\RV,)9QL[D1QLB*%5N`<J`K_:M
M!FXG^1E_-0M2>(`7WE.";+[T8BV$Q^L.&K/6LJJ+\FMGK%FA!TCKLFD5&IQ[
M916%4[)K`&=B),!CRP+\HM62!%TL.=<)$D1I3,B2_:?)FS)VY>SE%]=M">+V
MNYVG3Q.P":I33X_)(7]WO%7#LTWETB5*NUC.['3@I&XEQEGCU(L:#O!&&Y(W
MA*0I/5S568^,_I-9YUB]WJ',+1,]5:!@_=+V;N[UAO.=2GV\H/7.R;DNB5WZ
MU3(-**N1B`"ITMBP?R8Z9&A-RELQY8AR3&6VE^V;->Q&I^X%-U<%7\BI9"V5
M9D3CI4]-A45TE72!>['M+S`K6(IQ2%2(,,?:BM<M)V5UU2P-8!R%KZCD[B_$
M@"X\RF<SW;VXLF@4^"?;UB#3"VJYP'G"B&.O"[G+#/@#G-!0Z=)X'7*/6*K3
MC,\&]8F'7I;W6VB;02S2GV&XRTI"XFS6S"S4?;+UH<BD:+H54IGJ2<I\2@!Y
M]I?K6EV_6M!;1'JH6OQY':RW:68N>M1B!;L?[X\<::7(>:B\^OB0>F/UEL>L
M&<P\>RL?ER7)LD_59TR9=YOX-DC5N1=[MU&@61FARK$WWDRBBYUI[#%MQ'I#
M`^+'1"6ODB,\A*0G)S/-<N`U\O?]$.Y#`U%F0#UC0MIK6S3\NN$,[H1:15BM
M0HV(V*L:\&?A.@,QMVW.Q6"(\?$BO54-Q$53,T=,F<3/QCS-Y/3ZY>PU_@:'
M:MU["%L2ST:)6Z/ROV$&5H92).L*[)7G'#^:Y^LF#ABI(5F,^W*LR'IS$Y]!
M9UAYB/'3%L#TFYGB8QXB/$1XB/$1XB/$1XB/$3RHW+&_9*T:EHQ>M"-7L%>'
M74==<ML#.N-TR;7;1/P/6<WB"JC7!NO1:Q-S2I72P!C+[Y`4'*+E2IB78IA#
M+;B$S!&)B!GKM[8R-/FB#VA;5S+.VS.8+Z!VLFX;9K)886D.SV7=!YMLF^1;
MH"/!C#)3\"O")9ALL^Z\5GI_#;CHRN/UE&@P&^772J_EF@DM8T#2:,.H6C:X
M)J/L3"_KCD:DZUZ='*V%;KE<TT-&I5^"5:)<5/)GM!6[(^F=(9>)\?:<CI<@
M#QZ?_6;:9CCGL/D'K[HE$%#K/8R+V<XG$J->+:H4*3X%F<KT`/N#5..,WZK$
MJ_P1QMR0)%PSM>%/2V4,Q9,%I]V2B3$D$RHQ.(>[\>EAS)&P:[*N'Y8NNV@#
MW;FH\N=D(VI-+-A0$-.BEJN"TRS$!Z8D<]PF^7C$7TNK,<9^]+ZF65EN!LHW
M2O9)@H$?5]2@"@NL;A8KK1!>O#FM&'QKG?-$LF,6"\7:'?Q35_KU2D'(,NR"
MD6"4]/ZZE3J"78SL=ZS'(S*DK5`][J]!BH8&;#+CF@=>JLT<<VZHGBP/2/YC
MU](Z9KDHP4OLC[&:6#E2MW\0/@NNSHO)CK;(F`P3^PRE^V1NU43W#H<:HE#Y
MB_!*'4,QJ*-GMI7V'ZSVYP"$>IV+5X';C<=N@BZ5H\JTK-A@DH<"%1!T141U
M%B89=_'B27*_SEB^E@+V1L^@575;;<-:<Q8E6+7(HHVSV1BZ0"--EFST*O@+
MT8(:X^]/MD*6E@M`.0ZL5<)"W([:;`N+]8WED;'I[S*XS@GL*]LV+7S58>C<
MA9E*FOV:5;]E<M$<MI9C,]*KFDZ'41`FY$8L?+;N4*U]H0"D1XR1O8KSB!0_
MG7%/H)&"!('9L,]OM'O6BS[142$>L2+@X6K`,AH4,W7H4GZ;8"E%*<[8M0N9
M2,*-50E5%.MIA5>*A]2F6A#/XKCSJ,KB6![`>L6K7??KO>Z:.T.*W.A@+56+
M=7-D*U*!"LM8]<O8[/0HP6,CW@=+`$V="MM?=D\CP&($]B1Q<IY]I$MGB`0!
MYD.<S/W@B6%HZAG4S)05H(PS8`Q#8AZ<PU8YW1K]*$$HT43J`&QYGDE7RPP*
M3,B#8[*WS(^$W(KYUB/+5*D97^4L?.<Z]M*OZO:0$N$Z_P"A:]8[94FI8LS9
ME!IT"!S^EB-2LN6V4+[$*+SAA=,8J<%#G+)1F%RG%1&H`F,YQCM@E<_I*`C>
MH_M6W6(^AMKNT;V$=KO)1D[)VDW+=EG9."^O^?V=#(F'J8^K(L]@[3#XUF6S
M-B?;G)8E_P`C'^,>>W)>2^GM)]'P;V*G#Q4*]P-]T(W7;S@UUHEM?V%FGAA-
M"JYRGR3M&M5`$[X48G:+4CO\F0FSILRR+/A664+,RI?/PNV3(]L2NQ&$>XS-
M<S]6M+VW2F@]PRNZ&136ABA`JFW;/=6P^XZ;9RHKNXWLGK5!M@"E')M>@+^\
MI@A(D1XH`,B5$^REROMXFY&P4C9=MMF(6:J,:11,W/4X1,TH+`O3V87@*T7)
MAK$]634BMV`?9()2+&;_`!I[8Z7WGS;6U]Q7._7J8@@?QFO#6/\`MY(%#2Q\
M%IAK9ZF779NW=[8*Z_4RX)6-&`(6K9Z`=N\<73[M$*3GA)>1T2.8)$)+DUTE
M(BO_`'&$N5_E(Y<\<]RK^>58"E0U-)9R[ZA;\ZX2V>E_U7,:18`/LP&!5&SU
M.%?I@0IH/95YK?XTR+#)MP1BVHR"++4!Z.M+E0,2(^P`+V*Q7-R)BTWS7U1[
M-3;B]$%B/9/^(OA'V-+1]L30'Z4^6O@N:1KM?AN5I*ZH%6_&E.]B.,B9SL:6
MCQ`P?I_E-N/9'$/8&_Z"9LM"M>HB1C%,%BZ]!I^TGJ`"X8AY'[-OO2G:X)LX
M:&\0D;(1SQ;TF0VI;K<-I'5_A-ST.)B")1D[(O>>Z6K3)1A>C4H/+49-`1U7
MW">)#S;L&H/L@*I\T*2C:X=-=KI6P%:#.F04PJL'X092TL2J/!?>>2Y42Q\\
M'^Q]RR;V88;N-LMI:OZH(R[/W`E[;'&K9G=!NL&VZB[6K>[-&0`&C&8=UL%'
MX03+B_CS*U$[^9'^TEYE!P")ST+"O8@!2/:"QCEW(%J>GY>*!Y@[9]5?L=H%
M1:]9=G=I%6(FG[-8P(K0*UGMC!C7SR%OI=)_60Y-FJ;=E.(R,CZ2K3>>^]Z0
M-MK=('[**$6[I*5FCIO;:G-LN2U45$]CDP*U>;*0T,V;+7$R0M]17$?B23R4
M1XT=N9/YT7]5)<K[R[O8[)/9\A;<KA8E<]"%4>KY8?$-/A[6X3,(TJ&N$Y`E
MZ&5M>LT]\^/M5=CNC4E9T*Y/P)+KLEN''EK9FI3$$8\^LH"[9;[!9.BAHG&/
M96Z5BX:Q7JG9JX`]C[%.NA\"M.;3Q(@'8SVAB7:[R1.CW!Z<^V4%.3&%=CO2
MN(Z.0VF60?IZ3]'8/[?A8#C-NLMYK1`\U3"1;5ZCKP6MU>@%6(5-A[UHFH"F
M+(!_N\L_G@EZ"&?Z/)_AEH+DI*!GWT3NHRLA82D?L/U6LC-8'WF\A2.F8\*O
MP("#L+"ZF)DVUZVS+=ERU3=DS[M=(SJR3"OUXI'`/2V)T=E+9P*UR8I2,J/$
MW#];JI[&YUI3;%ZAZWHE(LE!KT&;;-'LE<'R\\-PUJ>&@`U4@[WIL,Z"CB>.
M-%B,IN3:$EDMJ<*&XTM2AB8G!])77M=ZX;I:->M6DXW3Q!Y5:J5/WC,N$;,#
M#<)>W.=S>T`*-DLDWVNP()G#ITT<X1>^,9"7_MJ7_P#@^)01C!_P):'I]B>U
MXY=M$!WVSVV;GM?$C:7F@E]V#+H$^I`9JHU$+UWBM0L4\$?"TN,R.*Q&:K6&
M)$GY/O.E'OA+ZD8@ST!\3&><^J^_`.B76(UP,1`9(#1H+UMU*Q@(A<-859O<
MQM9LD"B10EWBGV/P$`;8VJ63'LMO/B6WH;<V-WO7$S"^/UG'5_<FC7^SUQ_#
M,C.2+GI>JT'--0NT\51I`FLH$D;;+E"[19ZK>2"[C+8S*C'I@.0$?-B879D-
MR0XTF7UM:3CCUED3?=:J2]43CU"HMAT2UL:I2\Z*/@+5F3H.`+L\#2B9FY]G
MQ;J0?;9IL')#G9@F6S#,K7'3Q$?O%]4E''QD^DUXUW]AEPS3<['DL7.XAN;,
M,FJ!GE0AUO12>@/6J#*RJ*%OUD2'%RQL[/++S0YTF)`&,N$'!X-<GDKOW9#4
M!*%!&9Z&9%<)>AY+1[TV?KEDD7&ICK)`L5?KQ^LUPHP9B<GBI\6KV,H1L@5A
MR(^UUV'+E+DLKXM"E<5S_"8GUGG31OV#W&J299_V0#5AK+7J2BU#M"RNL$(`
M@4^6*;B0I0^Q,6W22IZ3,O&<8MTQ$;'CWFHJS,5J4\VVIM]Q,BH]O67E=?<%
MPKD^/Z#EP1\7%U'5CM+-&+=*SQZ#G]5S*-?SVIVJ9,7IHBE'AC8G,9\4<1'F
MY@YQ<V/)XIYOZ-.)./GS,*G]CV72A$<R$R[8[-%Y#.NF':\QE<V``(5]&TS)
MXF6;?U2(#*._PN`64AR2,DSH*8C$?JWT.RFFNI>!_2<HKWI".:H8K9`=-GTV
M3`>A498:KR(UHL-]5I9;.(5&XV2M"XL@N0G`W'8O>-1T/L/_`'7OQ6XZU.).
M/B6/;O=W&:7?2^;&6;=RSA73T:6VT+%-C?S@QC.`T(?TK..PH463:'-(1)'=
MDK8:Z/#%94A<=B'\W$<29]8_[GYUMMT#4:GURV()DV+Q+DD9Q#.W0$&)19@Z
M`0?@&0M\,1+M]Z68AMN)KG3"ABI+?"/X?S1\D%<#,P5J]\<MKD.)*@4O5+>J
M56B]X_'K02K_`'(]&`_]L2"MND/'KB#B)$MB<>GS&4I<5)E-$!B&6EOS4M(1
MQ,PEM_8?@E7F:>(+C+B8YG<,BN7_`%5FDW>+;NLL&D1@=>_K5U*)_LIZ77YL
M:,))<@3^?:XY):895\^(XG_.?7??#":T5B9]4JK:3288^6'HP.@HS61_8'0-
MR"YH!K=6JS5]@%PD$^4,04A)9.&*#283[#B)*6W6?FCB99&-^PV->X8G2ZP#
M`/6&J`FQXFQQ;/'J9VKVP/8G["-2VAL*>LL1Z*_,JTYM^`21$F]B_CR51OQ)
ML5UY(05D5MGLS8J!NEJS8S5XJ0@T91X.44$&#FR=.W(G<6X3'\]0[$6L-;S4
M96:8:_,&FX4M?'Q+4-)&9)BQ)<-+Z4#(S.&^^UKR*;G^E9Q%C/54W@6K^QI8
M7:!SC%@G5NEUBN-U:GM\BE>1P9JP76\P&EOI_/;4B$\TSQ?'$OI1Q]C]96=L
M_8-'#PJH@+FEQ+EEOQK59/QQU:3`L^,@ZMKYJ_:AFJBM_"K;`#RV.3X\+IU0
MV7+C28C\>+*3*8^24++%?]P8MVF?UO,ZY9@9WNIYG5@YJ\@`\BO7:J%]MLF;
M7LM6H@:XN'82(@G,[2]"=*1Q[KB82)3<>0QQ?/$F,>LCIOWK$A-(LM+DUUUH
M=6=1TJNO&24$I6`I.@Y7EP.58BH;0;G_`%C*I]ND[S8X=69@\-)2TAWZO?!Y
M*D\1Q\9G>$?L/R,XP"FC*/K,T7:(HB%6BD,139L6QZ!8`=9/A<L`-1;R[-*6
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M5:8.!6.+0XIIFF6X=GY`5?G(4&_D$D`G$:8*^[`@+F6!+*W9/!RHK*WN(XF=
M#/?V%@IM$#DM(S+1A%ZC"Z_9-"`@PU7=B4NFW*+GY.JW63U=_G=?"DHVJA8S
M4!EY^R.R.2E=%H3'=XE!7SX])=V6>Y>1[#9Y-4I\:W]GP(Z2)*64#P88L>#:
MS^J7LI89,YLQ)1T("EW*'79;R.+^-D1(B(2XW&>?0@J1-=Z%^S7*R5(,%;A%
M6JTU:H)M=AC!3.>5\(_,=F@W)],$N7C2`\R)9:H+M41+_"G![19Z"24+[+Y"
MD(:2\#+0?]_<P8>CRU9_KJ:@N2YV7?GPU.AUH6`B7*D9V4ML^-,O+%H0!&7R
M]LBE(0.60?D#2:F(SK,%QU23B9!V_P!B-6TBI2WL"H-UM]N?.4(`P\0AU&74
MZI'U:U4BI9U=+=.#W_O90`_.O+2NCQKTD["6.(LSH<-R"^E*7CCUDPV_W214
MDW6EY90;7;=(;)NT'-R\F)5FZ':=1:N69T`Z"A+*7FMER'*"<UH8LAUU,"%+
M7&F1(\WLF.ZE*0+]?2=2Y^[8G%M*OU.UD.553J>.HE5":(,B5@6.M6PD*V'L
M=EJ#_#-YA_P[Y*'?JSR&\\PP$'O35)F%$?-/VT!<CQ+VP/V0JWL7%,E:/5;K
M`KH./76Y=EL<:MQ0TJP'ZZ+M$BKB5BK,8FE"->$FXBYDMIGHESLA'XDN4GY*
M2D(Q-A_$D>(CQ$>(CQ$>(CQ$>(CQ$T3T+W5Y4-EDXY7L\BWB?(/5NI`ST*WE
MPX?^UD;ADM6LP*T$2.>J`"YM4BZ_!GN,B2!^8IEI3<EB&Z]'2ZF07QF=*D^[
M!V_8Q_VT&PFRBUV#1,=I>:"KD6-4H)>1&WEJ8,JEJ3:K'08#D>,&[</B70.'
M&8K<F&XR/ED?FTXM''SC,@XG]A<XX'+V,5AO_P!S`(NU6(\J=IHJ'.37,HS;
M.M!V26,::JLN*6(UONGCH("/V0RW8>MR)#CXUA#:GDO#VSYG!KGOJ;C4RQ#\
MLSWBK[-P.Z;$#)G[>)$"JV%KL'9V9Q:1^9733!$X&EY>Q(B#7V&HQ'\U2'GX
MS45YQ2`OU],RUM-]I-&SK5;#GH_+:K<("*UGTZE$7]'D5"<7-FZ7OFB7)FS_
M`)=,,#:^.&U3"I?!JF5RW)4YY"'N,1U.R8B0*,9D6M/N21J.BA[+*#P5^OMH
MPO!+X^9L-A'5<IGYC6IV[S(!8B/2!+22PV8-HL!@KU<]AL2U'4]':EN+<;[(
MX_YR#3_V70`(`U)LF)V<=;!$HM':J<8J;7(*L5TM<:_93$&(<H%<N[(BMG1(
M&--3*`1R+?;5"ZF(KOQ2[9>'^4M^U>WUGK-%SJUD<),PIUGJ&O7R^56T6:13
M"]+I^)DPT"X3@XRT4P?8+=-.0C"9H&'+'`G9\13797X"G?@A)@?64P`_88U3
MQM3BZ,#19Q;-;<+Z/J@B=,&0J4Z.-TY5J5:Q*J1`J,#^JTO01IEZ-`-2R21_
M_+)AQ6W&G7$O'/I.-?[#;O:0=CB5'UTM(&PRV;F#I9JXG25;J#5QSZE:)9]#
M"6"VELY=K$>P57_KN9V!#'.G$$4_%4U8M/'N-(X_K+]B>U?0MC]:<_*AVK65
MV"I9Y*MMA&3";,^GE[]5+.5K!8N&'TZ54(H6V%*.498_(.CI3BV'?PXDM$=[
M[:3'J94`[WO*`+G?J">HABS-T6RZO&/Z0J/9!E3KCW=.VP+CE7+2*MG-H&M0
M3`_.H`#DKDAP[*.$X3,0426[(=92\9`[7^QJU,C:?H`W*9H2C5>]F:)JX>58
M%OV\OHG,LU`D*SP'5)E!;M7*TS;1(B2\<XQ$+M<;=86&[U#[?B./M+01[U6U
MUEYXW@Y;.08ZUU3/[I<KI8S@N'G5EM=8E'(Y*P@)>9(L8NM$)CXV$`FF88=H
MK+*Q43N">.<[U)Q_65QGGOCILT1C8.QYNR4UFR53/@I,!_?*\(IMELVCAO6(
MN$NI>V-4;I"M.Q8FTOKEBQPV6RTZV\RQ^;WL1?B7C_E+\)^YL]5?QH[5<F69
M_P"X,\KMOCQC-\@5U-?L-TTS+,?J55DR8]?/_P`G#F7C5(W992.CK489#>DL
MLRG5QXKR3CYE0U#WYM!33T4U&46VY2[5=(XS^L52*1.JR^O5.3EF>:<1:-U>
MEE6;;`$Z+>'R+4PJL%!<!1GG^RF'OQX+J7CXSF7$0]KS=>V8_FW*-)LU?&Z9
M4ZH=M<RT!@;U3CWRRY/G=8B5ZMQ`$N3;&_[7HS<J4J7,A.,0TR%)==6B/&6D
MX^,RMK/[BZW3MFMD`[G=8?RJAW'1J>5Z#NR^G9M;%%O3V`$OKL$C2OO/6H7)
MWN<C^$CS&H,F-U75RTOL,\?DH48_7_ZR=4CW5,WG&XFHQ,.LH`C;]$S6A92#
MN1,W4*_>VM:B5B?4+([<+%0QL@:(B,6)<<F[!%&(R2,)R..?*?<8<=LG'SB1
MJ9[ZD`]PY5[+B!"!"$R='(7"SCK,;L8"D4G/M`O&5NZ'82PS-E!`5=_M^<EY
M$]9.8.4/!(9E-]ES'5C64O&5\2_8)<FN$[&<R]=,HM%3%[=T#C)2=?%603H%
MVKI>MQ:Q?<ZI<KE6-5ZK-R6I<QD,78>>ZWV.E*?N^(XCT]Y;@3W4M,O2FLQ.
MXG"$EJ]8:'7-1(C=5A'AE7EZE8:.!HCE0<Y3!CE];D)T,;()?=2&Y`0B2AOL
MI;;/)"3C(OK'MGH9*QP,VSBI,U;EAW(=G(/0%W80DS."9UOF397N"WJW.SVV
M0:Q*??T1N.$6Y^?V=$Z](6H<]^)QY*%'K^DAVD^P?L/D>Y7EQNTP=1SVI:'9
MHC^8RQ-2S]<.A#?6`QO<YYJ\QP=@,%CH*9&3$@,*9BHF_%KDE]I'7G^2``1^
MLL%7N[8KCC/L%H]-S`Q3(6=N,#,\OE\&67M*L7\AHUFRV592?)U?JD5Y%#)U
MM9@Q!%D241L3(B\42:D.2&8ECC@@&1M7N3?L;OM\R71!,79(V86J"BS:Z-D#
M*"2:I1S_`..<6.A='&C3(NR7L&=]@VT/1HCXB(Z+'H=ZI$IY++J.((S.R9]O
MM2TCUD'ZMG^:WW+;%:->Q>F51AVL1[">M%)U&=0235BH8_5A^6UXN1=!7!R"
MXN5W@F.4ARN1ID]AMF0_(X@'!^DFA;W-,CDUNK5[*WKC>3!W1:FF'9+P%I<9
MR5EENMU-/F#<L<`L[(U!%RDRI/&8D:6AMU?(Z.KXGKGEDX_Y3OXE[1VO<MJJ
MC0VM,53&;'D>N'@'\A80Y*U6.U4'0L=J$R6:`L"&9=39"R[02C1$LD9[))AY
M,AU+"^--^((P/UG4]EMOU6C730_Z/;*K6@>$8I1-K)U4W78YB?LTFY7R^5J1
M2&RCY*+*K<*./S[\2)('M.2U&3L13GS:9_%EH`&/,H;O[`]0SR==KIL67AU9
M\.J<%U@10KFHV2!6.*9]MN0DC8LVAB"MB1<Q."Q&IRGI#2!4AU"XS<E"Y'&D
MRX#'CU_^DW(]??8BW;78K2`/XV8R[M,KH6>;=LI8RP3DG3EINP.#$"U>R4:F
MV==6FAZ7TI%*DHHJ1(CSXZ?P$J^[UM,",3:KQ)-4IOJ-ZMKEW&<4I$)]ZP=(
MNV!!.\W-Z((;LSE^7+;!095J5"HD6<0TZP2F6Q3<!MN>3=D,\0^EMQM+R,E8
MG!,0KU_!Z$S&)2+_`%A,`;"+']-OE@E.EUU<I58!@Z,L%N(C[%>I%-+RA[9<
MC'DF%CG/LI?ZRE*4HR?3VD;SKU[];JTZ`OM)KL\++&31-W!RBUOT>'.KC<T'
M=!(49VOVRPID56L,B-&--,5UV+%&1W9SJN0T/H2I",GTF;LWK3A]J(F)MH'V
M$G8+>8AFFCLK5=,9M8Q\(Z8(1H&?6*/=(]@H0"'RP3_F,K[X\?UB8\A;/6E]
M3XC)DE^[D>"YV^N&ZU6J%$DP!<$:,GF"\>([(=$TP37:B+:ED9`Z)&>;BPHH
MT8AJ/%5S_C:;[\^^(\F4]"R7U2MA>V8G#HK4E.>1:0$-H:FVJ")"E^Y8W3Z=
M6A-E2:C2.72MY*Q&=83">_,&1IC4Q+C<I]3O4N3ZRV[AA^0W:M5ZJ7D;*L8X
M&,E`*_+/W>VS+&S_`#'('W)C-LD6+MGEV9YT2PXP27+62:=;^;+R%=5WJ3)E
M'F<^].<\&:,#+U]GD*ATZ3>-$=E%;[:9B`VC1=`H,V47.RBY8H=L=I8CV&(Z
MTN0^2<7+DN*YQR4I;B7R9+8_J_D,'4L\T,3&K@P5G#UET(#7F&I,N7*T*S5V
M72/^Q)UA)6"=]P:*I1LG%C1&XC;/9A1Z:MY3W&_BC)QB96Y^KGK#=3EGL5US
MVK%3MJEV"XV<A.,%8\F>_8<LBXD;/O\`V#,=,9A69Q$"VW6^-M0_JN0Q]J6X
MX^I)DS,TOUQQ2@VH59*Z+,.6>LILY(:[8=(T&Y+'DKY-(3+?;UC+=;3D-=LM
M3LU]J6:=941?C=['^_\`83]OB,DRO)_KOZG8O7BADG440`IZ17L^F2"]JOMJ
M<7%NQZAT^N4^#PO8B[XJM?F#`T-B%&^Q`@0$+3Q#49R5\TN29FX/IOZPQXZ`
MS>>L$&X+[Q:%%*W.[G9`:.3S^W9-$C!^E;3-D@JY!H%L+BQD&+UD>/0^XY$:
M:D(2ZE)R,BN/83ZB6?@32LNH\A,$0JJR*LN3.TL55QZQ@W-YU;-52J6`I&JR
M7)D#/:RMTA`A][.<%,IDNN/-.I\2DL/!EYYKE&8YE^%"S]1:'$9#S$@P4C1+
MK9@8JME)8Z3R-6JV?LY<*&KT5X>PW!;A1VH\%GZLQ>--.+0I(23ZROB'KUZ_
M:Q+FWXN,MQ8U86!QZ.8*:+L->M%/@3/ORTQZA&EVL18,='&TK>X0@"6@[<]'
MR:EM.)1Q"49(\2IZF/\`53=+;6)=<*6*=5!N3Y_'IU`DU>]YCGR:3GMYC%*0
M;')+`*9)LE2/&3@]F/"=?FUP\R+C];CO_B+5Q+Y`EEP_7#U>JY`B$33&D22]
M8LP^=(+';T8@#:;/?#"R=-;L!<S.%U*N)29:9%U]J3#88C29G!\9#3D[JDF6
M,[&?Y/BMKDY#KF8.O#000,&M`,7#0XEL^.)52]MT&788]A9E6$<V(%[+8B$9
MI*HCLF494_)^ZIMKXI23Z&0G8@'I\`FMU31QA.*9IP&_[2AZK\UU1:AC#UWE
M;);;_,NE`<Z[0)UFON=OS(,N60@2"$L:]#@=<2EV-U`Y>TG,'U4]9Y55!5H5
M1(<(.P.:GU=0FTVT8?$IC\S'L4_7[!`L;%E$G!*\MK'V"<:4W-B+'M?;>1UU
MW[J3D9$ZEAWJMH1.TDZR`L\HR)N9.6]:.VS80\^OVX%?[B)LTO.+=)L$)5>>
M,Z`',NG_`.N2F$&Y,A;Y/DA,Q"G4N2),B><^O634*PP(+)"BU?0CM,!E>T"Y
MWP$<.V>;8P5&K[XPG3[!&LK-B)&2,&`0GPWFY<MKB4SG7&F_]J3))F+J'J]Z
MN!#3B:QGK8J=5BC(D.,E%;Y#$5^>/KX&1)<SL*8+M@QT>9`X/?(RP+*6)Y&&
MV[+<=G0_DRE),A*:EZ2*L=C@#Y0T6?I!TC@EUA5VWZ)7^-3^X!6+3,S:XL@S
M4"$>"#\(IHP@TQ-Y)'PVX'W6E-S./=ZC[I9,?"?6BQ)KVU,5H?\`@?@A-"@V
M%1^UA:\2$P1M2,U<K:0+QB`#-"*Q%IHB<,CF(CS`9^`V_';CO)4OJ,MZ3%8I
MDWJ4UG@ZW8M7JM'H.MXK4*>--CR1^+_9<9A-V(C6(##QH@V:AQ%+T,@\Z_\`
M\$]Z1.^4EQ3R&NH02V?/KF<ISU-]9BPPD!*`9D8&_89I%8`?JNC5\,%.6&M'
MJ]88H$2&NPZ%5&KK6;619,08#<5@RU-=<EM/*5\_$F3ZS-CL/];S@.4TW11/
M0KK4A$\8=38QG%P`&AW.X/N$`M@D0Y/0RK]9"I'[CS/XLWKR'>==81&ZA&2)
MR1/5_"1LVC698<]-E9FP(_K!0_J6F'F68M6)FC53Y85G;G/BW"-2"%AGNA>&
M>3D!^RG/Q/L_7Q&3Z3NQ_7O`H]SEWM%9@/6@K;^61J3+M5BG08-P:,0[?/D5
MD!,/O@*W-+6(/'+%&!L6,@G/B-2YB'GF6W$(R9RW'UXPJUJ)%;-6(Z)TT]*L
MCMCB6FRUXV/M)DAGD[EA#V(.>&DZ_8.3LQKO8DJ&^P_&X/:;84A#CJ'$`D3D
MRJT8U&M=]S/-GY2K(&,3K!?&WDV8BZ^=[T=79I,E93ZYG2Q!]T6F)U?Y+JEN
M0'D\^O6'/H@Y]3+Y\21XB/$1XB/$1XB/$1XB/$2A)56]8XVGG3\T+B3.Q?\`
MW`)6(G+C4E&AM=1R,4K9`J\_SE@CJ<33V9,1YSX]<X);<1WOXJ.MI?./TE87
M*C^EQV@'<_(&,0K.?_\`;%$N-U`ASV>!@!'0AYX1?Z\*ML%U;@W\NT/5ME[L
M5Q#<J5%;4MGJ>\XXE*"V<^\[]OE>ET&DQ)9(5@EF`58.5UNHU<'%SLY-(-95
M57Q<@_0J_'=^):?7*Q0^C&W(G.I98&<C*6AN/\4(^[/O.Q)S;TD-+.CB=)];
M)<RRZ();M0@H'S=TB4U<S",3Q`BQCY+:Y$F]DA]D(N,P9"53'F9\KJ6U(?=^
M:3+?K.A[,'/4.KA;M:]TKF370U6:K4OY^KG&,])W:=7I-O0)H<!X=;20QI@3
M*NEH5'@/$'XHYI^>]Q3S:'7N]2CE[9DS(V[UULFB6W*;B,SY%UKE(IE@,A;M
M"IO%$:4F-<B`9R`P1D/NEP5+:475(4EOL,;^:[WB^<?<[U)@XS[3XK--]1N5
M<5"J->]?'J?/!6ZMAFPD+/I0,C7+]`9M5\#07(B78D\7=!E(03+LH4MLBR)Y
M)D<<3&^:$?=^LJ/26O341=JO7[R&`(5ZN8%:/8:L5;M-06HP#+)1J#$GW8"E
M`.>/GG:^2H"/QV(#WYK:9?%]:<Y):[XE'+V]Y\VFJ>C^J4.QG'IN,4)FZ9M4
M(-ZLO(N:TZ]#\GT>`*,QZA<568<HG4!6CU-I,"0S,9C2G8??BTI#L=EQE&6'
MUD[U>N^I<$>;,WG,\ONW=0ME6A6:%'JE0L\^XV*/(@"`I,Y!D<^)58A-FCM/
MR7?FIJ-/0ASO6WDI4@%O:=//;IZG[%=AA\36\OY>LRM9O(<W,'8V;)MO\M0P
M,$E9@6;,PRI&R0V**Q8GHC['&HCT/Y25--?B/I?D(.0))KH`]/7"ELFW^%Z\
MMF*X*F`;W(M#F?12`,/HA`I8)(RX+(N-/CHEN+$ITY")WPY*D29#R/JMUU2D
MGW>V9'8=+],W]5#Y&'S##RM_8R>VRFQ0>H9^2=K&9M2:^.*A3$6*T[.!#;<Q
ML/SC,N1TL$XDR:KBE(4YQQ+]V,^TCQ2R>DHW.HYZ56,ID`*$V1OHNH/5RK,V
M:!&S`Y+S"5=850-<A$EP*K/!N0VRCC?&&&HR5)=XE*.\1ALR0VW*_3[:VZ;2
MGN8T7<G.5&]UP!6).>R)UQJ]$DU]T,RQ`CLSI)ZA,IHHQAS\9'6$LB8R4.-_
MC-=0C+"9(E=_54Z,34K,+H<:K,!M:S=QFVU,<&I@BJ8?:Z]5=#KDF<9@1`06
MI@[*@<F.VI;4-Y<=IUCY?92I*/,R7\+Z?1G!*$Q?7F(]DXH/I`CC3N?1'\^K
MX\,%B`[NQUIUIVNU^.!:&I8G]^U$_&1&^B^I2U]$GW?K)%(L?K,MRTVF58<-
M4Z&[3[3=;"^:HG5">SYH0]0K%:"KDKZC^3B`L=,$2Y3B/NNQX[L=75(;5Q'W
M>GF8^EJ]>-%BVC31=7H7)IIR81NY4V%K,<Z_&JYY("/8;2XYV0ZD6],R:,["
MFR%_;?8"QG$J_P#%;^TCR/$PD5GTT70[32(<CUS<S6SC6]*MU8CDL[<IY0,=
M*0F8E\*C$2E"5")YN-&3%)*1QC\MMK[3G'$H^B/NS[YD;*6+TAF.R(G$X#:3
M>2`I;@ZMCD4$H<'#M2K$^X?PM;'ONMMS_P#M"OO/3$1FEJ:+<=ZZKY?7J_$O
MW?K/K(87IC<@$,QGE*Q82S1C-XJ'\0H#0QIJG%1EC./VJ`3%Q5/NB)).?2I9
M=7'_`(O2(["IB^?_`&BN(/*23,'/3KC(RMY(K`&DLVNPU(*"J']'8DN7'-+%
MRS6,()'0OA*EF:796T$GFV$+7#?^W)_V_5#GB0Y]\SM"2/J/,T*W%14O"%:A
M/T03GMQG(<I3-R)ZE5&0MI#5,@Z]ULJ2N81M(^<S&Y]R6TIEESG/DRCJ$?=C
MWQ)I:_\`H&.7LS%W<R*.>8KL^[7!BTO4]@M'J4@&[0B=NLC15:)C-=>KKBP[
M\^3SD94-78JG/M]ZCQ'GVD4B%/4NN0=/DPS/K\'$VU(TIL*D&,^AB#C5W&27
MA4V_M=E('RH]R$S7WF5SN=03:?=<Y]WCBU*1]Q^LZ\$7ZAYR+G5V$QZ]TT30
M8HTB6$_=SX-&J$2U'0MN$$3$=UQC@5FRV0$.)1WY'&^39D..^A2W&FU)1]WZ
MSB!&?5:G`5CZTC'`6;CR1C1YE@$/T6%E]?MM8LE;&S",PNQ,;!!K8-/%X/&N
M_1#D9Q".<4VKC:>HPW\Y+9.?>NU4LO=#FU#'Z[;=&/BX"+G-$5`6=NMF,1Y,
M,/`BG9#+,PZ:+L2WTQV&G''I/WG.I2KJU]ZCR97BXWII4ND-2$"/7_IEXBFO
MLGJTSG"[$?M6<1H1>#2`4]AYAPA;J]VK1%QQC;W)##T)A74(ZRA24?=Z>9GK
M.2];M#ON8?V2OYYHNB"+MVN55Z2*JEML^66_^E6#5&XYE:W)I.D35B<_<E-)
M5\7.SHT9Q*?FA#K:/./TGS)B>H5>;N#,_GKP)::M[L.^,DG\[C-1[S9H]LDN
M#[4U-<2B-9#L6V'%_C2N)D2&R4[O$*2^_P#)'G]9D,VL.!5K13N$9..IPJT5
M"EB3-F$TF+7VXU?#-G"D`.!L'1$A4X<58FSY4AB'+:1U+4A;B._[U>((.,F;
M">))XIS_`$G]B=7K-IMZ(6-998-:<UI=M`DA[\FS6H-J=WME_J9O4B)K/+6T
MU;\CE(JT2`'88DI1%'SVHQ<=R9Q#<GIR`\?23B7Z&;#PC+=KDG'*WQ%UNUEK
MYX@7/7:P@XUES5-,D.D'2N:#)MK/F+(TT:&D))!DI1%(7"&S9PYY<+EDY"5W
ML?IQ<\I#CS=%IE-U6T&F[:-=SU.>VXU6=-L]A([#)J3VMG@]9.PD!<S;LM*Z
M$=L?V!,?M<D<_*@]ZP]Q*&$OK:_2?6+T_DM4HMUHM>S;'LJ!TBEO3HKD:W5\
MN)H5VI\U^/)B5`B<FP3<N56I'5M6$<U'8$26'(4I4O[S:0-C^,ZP;T$)5_4P
MA$<)Q->4#M0IM^"!.AB<,OD`[-+R4M8$1D8*,%6`@E[XQ7:8BQE.RH+RUA92
M5(F\E)<;1R\?K/V^^AUPM6D6NZ#266#Y-^O9&^D+<L01CV_/K"'T"M'ZE:*;
M#@B4Q#UR.T3/*[7B)*7.@21+$62N(N4B4ZPI`88Q(T+_`%^:.>B1Y^@6#,8%
ME"@<XK%$>`(/VYO.H=)DX$-DV&N%K*"!R_[<Y6\4D+B2V8T%QB8?DM\6EOYN
M/(Y#VEAYIZ1F1&96VF781C<29HU_]?96CP*K$,&@-VSK$F*+*-1[9*-@0DNV
M7/3[`!,/E7YL;K;L8QUE]V2M#CSR"WG/F513/UJ'XEB@O:%8*A;J_&*YP\_#
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MNOXV(SH8'"C(+Y)IR.N1+XJ,ZYV/U!;,J<_^M_19@`Q7`NF`!H2=3X$=X5#>
M-BGS]OHUX.P,R23,J%&VA=<%X)8I@%_O!Y!39AYF=R-(;AH8=1SEQY3Z=WG+
M9>NR:H_1:AVZ83-SRL2N&'KN:A7\G*/G$V%LNWF.<<H5(!%[`N.BO`V.AY;,
M:-*9A#7VW&WTA8&=K/?2H]F@K4)-5-4D1=[EC&DYX'M`\7.CS';/=+?99U=.
MW$@F/_('!]$I(^J"AS:NN+C)'2^,I;0__O1R_P`LR":/^O<F7E#0-*(U"=F@
MS-AN.`ZOIYJ]VYZI@8U;M0J#I41XXNT.V:[T&?>B[@$3*D11[/)#*VY<-<5K
MGDE#?7UD6M'Z[[X^*90&(9!:)I6MV*#=Q&@13RJW<+S?O^["=HU&T<A@2K]N
M/5ZQ:4+>%QIK7.OH#,][)ANQXJF[+SE\>L/K#JN(:=<+G9RN=&1UG!U>A\77
MER!4QNH463H3]<+)##:)6X/#4@>9`#%19\LN]#BBWW.%)2W^(XF+-D8F5]@?
M66];EJ"2*'*)5\Z(4Z+F^B263EIGVC9,L*60"4LF:7.I<!0ZG"&!XSAQX.1_
M-(S&GR+L="(D:<0^^@'`_607!_1\WENY_P#:UC*U\I"#M6$O0AU7(HKX>B$;
M5VY)+T`/3O\`KU<EK.VI&@%I[/(]BB0^RWH_7!"W8<>5Q*6R,2IYWZZ-7(!9
M0].NUT01/T6^A;<;$QK`V1*V5^H9-+RZ5"D=XWV`)`;E32ML)=XGLAY4MIEO
MZ\<D=ZCD,R29EZ`V"FZ'FYDG`S&92Z[;:;H\V,3+R[9;,YL].[HI-T!CS\#+
M<YK`P%<;:9KQ(I.8@`W7^#'V7X<MQ;4I""TL^I>EY:%M,/9K<7IQD]&UV9?&
M2$8=-=/":LXY[!'&*N`,3XW98O\`*LNO"FYR67&F9@P`VT[\_JA"4G+QB5Q;
M?1G6R=GL!X#=<^9:TJN;5`T9B;RS0W8=WUR\W,:,TZO+B0)?"QC/L!U(\`B0
MI/X:9<ID?Q4EF.TY]4O(3;S5\CO>L8_6\G:LPC+XA:9786GS:4TV;=9HX-IR
M?-IU&1;`$H1-B6<@.@B9_2P];#@"3.1]G[RVOBF((!S-*)WZWSEC$O0[U8<W
MOAH2*NE0J-JLE3CR#$.HR:KLX.A_E1X@.&'&$1QW=RQJ?''1H\#^0&C51T)_
M':ZPF7.=!OT3W(M=#)30U>O^AU2YVJE'-`%&.38;]D5EDV[&*,39B#LCCQ87
M"9RY-.%X+CT@F^.$,C7#TJ/,G*=2\ACQF1&_>E5DQZHUN],C`^L6\.2;:M5<
M#4F\6.;MD2`UC,*LY[=YM7JUI-0J"Z#Q+CTG\Z+("_S9'XRD-QGWI'D@-F;/
MTWUOOISU2RG"+;4,^IT>B66HS3].FO)LU4MP_/FO[</3.&06)0V,'L>S#XDY
M8M2I330%'VG.J?ZIGEF)(Y9$UQL'H#;J*'!084RI3L8I1'-[F;J5#J;R]'ES
MLOIV5UT[*J`P?13)>Q7/5(V:*:=[&+`?L/$'793A'CB>1DO+/\9/ROIGN]D]
M0<XQAVV4-J_6@0DG[%3[%$8<BSKA/SF)4PSU6ERJMH240,H4/'PH$1AN!(GP
MA,?XE(G>.]D(Y`-F;5^M?KX<Q8II!RRGQA\K>9L+[#HU,_OXHR/9K]=G&9CY
M%*7Y$O\`L6E$4)7_`)^49IGY=^7UYQ(3F;6^)C'B(\1'B(\1'B(\1'B(\1/,
M'6_US1M9MVWDB%^CP@^S'H=A_EGH%H+W*G)[_P!8D2];`PY]R5GC8LG9,8`.
M+F)#-D5"NRAW7/@O[RDR#8Q,>4_7E;KL?T.PZ;K%4M<VYUZV@(?_`.H!IV(-
M38Z+[&T\:^R%-WLQ7PT6I1O8+\2'$$Q!Z'8(;YR%NRYS[Z$O(>TZ%@]![A8-
M'U0;$L%'!9M<AP*RQ['VA-O6R%9/[G[&6*)4ZI,AVB(D*!!NZ-"482[%Z@E$
ME.LQU-*?D*;1R\?K)!5OU\EZ1:8-IK%^!QK0(V)B\!M,G1]')7V!0YEYN]\L
MM*2)G:1*SM3QSFA%0CW?XKD%^%+[-7&_.9C*91RDYT[TE(Z-IEOMCEXK<*MV
M*XQM(B17Z0[/N,>UN5C+:02`E+(NP-PRE`0!S!N5%A\AM/H)R6EJ<ZU";2ZD
M#8$R7L%Z31]ULUTLJKF.KDRU_P!*XT^NH,F9<./2\VVVD,"IKZRT!PJ`*DM=
M3)F0NJ:;>AQI$;O>=E]=:0&Q*0L7ZTR]LFRK'.UL)7K*?(6"UV"/5*`_%K4"
M\W"_E'K.6J<&5:G)@V'+P:[VJC\2\ZZZ[P\X16KY<[%4EY?Y393;?4.'L.@!
M;DU;T58</$9S3RU?B5]J8S8,ZJ9C1C=LH$I_I&(W&!WF9:`O7?@UWL=(+B?B
MYQ__`(T@;`Q*:JOH+986BU"VW?4@5X"T6'2QP(43IYE]]X;4?Z)(@CGH!&YD
M:8+8#S*:K\-Z")9FO_D\>G/R7FD*\1R^DPX?]>UQ@1ZW7Y>NUA^ITZM+&`D1
ML^(LV*48,PL$CV.88(NW-X<L6EW#D_@QV(K;B&R7T>=<['YUU+R]Y+ZQZ#LU
MS6J!I$BVC+!`JYF86)`)$2X5]E$V';'[O5#@-FL788)E&QQF2IF6DQ%)1),=
M#/4MMJ:4EU'+QB=XSZ2V6V>PDC9;IIH:SA(MM4>!5HI5"\Z0T%_DH)877)D>
M=;I-*ALU5V%QB%)'AHDJ7S_R)SDB3]%)2<L#`F;]>_4&S81<1IUNZTFP":QG
M5]J=<ZB@S!5P(&M'E8^6,3+;:>6B:@C7`1/)TLC(+$5EQL?+;9<>4J&VMQ!;
M,J!_]==B+C^![#IE)FP#,Q=WMTJ/FDO^8E:#+KE^JQ*OA)DZX34Q<<EC]%EO
M=$RDRIBGV5?.2M$M[B4O*7+2?2N+3=95J+-J#O2.;'.TZ-#CU!J%,BAY;_M"
M^W3V2B"CCB(D=?L=]>+2A+7U'.=XSS\KOVDG+QB0L]Z#*;/';YG]X"5#1K!<
M-OLIZRM5@HQ+M077MCH^G<I)LL%M`JP#1T$'3UA'2`R3$))1)Y)BN1G6N)4C
ME['TD(K_`.MF;6J?3QD#2:K*M5)/@K;$)DLZERP%E+5.I>NP,`!N`Q^XOFS-
M+=)8"VN5&<).2NQIZ.(?X_$0^XEY232?1J_OVL)?$7S*$6&B7:ZZ12AR\K*/
M5\_8]5N,>\7D-JJ%71,RTUJKD..QZ=V-V))"I3&D.]DNQN(<1R]I-JAZ32JQ
MC?L)C2M"@R16[FK5=NFUU'\DG7KM=;`8/G()'DPVZJX9G&=<@1X(.6ZVN*.3
M*'HD\@KBLPTG+R#])%9GHS:;9?!MRO-QS%41O2Z5LI8)6LRGL<FW$%_TT+.U
M+D\U;"GWLPD@L<8>@PGF5R&"DMMUQ:VH+3;J7D)TF_U\/\B'P[UXJ;XHG4+@
M)%R5Y_W^8#6*VY;I63_GQW56!<5(L."NT=V.VTAJ1]69#/W>-/(^VCE[R*/_
M`*\]&8:-2@6MYJ,.ML:57:I+_P"HRG!ZZIJ\OV`DV";>84+0(<BRW0'_`-]O
M?@2F7XC#BASBGF_J2>_'1R$L2N>BDH/M%1TPG:ZZ=!U6R%2D6NH@7BNNL-=O
M!K4:X::37KY``DK4,N%IG19/2,*9`E#&(7>,-O-.\>D<O&)VM#])K%=]%M=I
MC7JEC0%PN!(E/BRJ!+(6876K#-PFR&G*^;39XL,=?8MEPUE,$I^*IIN(12MQ
MA;\%I3]@-XQ/C6?1>5H6T7G88-O`I(G2N?7NHQ+6-NIT=6[YGB<UAMA"]7@7
MT-3+1FUQ%YG&028=@-%F7I+KL>6E26OMH#8&)PB_1LQ+OM>MUTM6;SQ]5N]S
MOPT2#S)V+)+E]0N$?0[A!M9`K9"C)D?4[-#;CU57([3@\;]4O?=>XESB.7CQ
M(?3/USS`!+,VCNA5(]6\I-B;&&8[G*D'[42E%<N.VB+>"<VRSX144-)99&Y7
M6T1DJ'QWFTN]>5"96X@M.6#^O`G5Y]./TZ_TIHIG<*B.5@`>S54RBSR]*SK!
M<^6BQ`H%D@N.BB;..2)S/(RVGX!"9#D(4ZH?\9".0,OW3\0U3<*+ER+&:I.9
MZ?2M"(6'MNI<>S$GZK6G)YT&J/1>O&QL)TW9<UFI&D4&(Y$6ER8^XW'^;,9:
M$@('\)KB$_7G<P39&7&TC,WB9O(C7KT3A=RDE&K4+,I%`IE#$W"NC6;PJ2+V
M+K-&CND9ZGG8,V(\B%QE"(4=Y27E+/RCTQN5%W2-L=JUR+<NBB;/1L/^NG()
M"8#@AMV$AX,[LNXE*T'6%A[2W#9;#C8$=U@/]]]#TN:\ZV@L",2%F/0"SV[2
M[]H%XU@+9_[,NZQPK)*G%R$F"/LE2]E:L`_-CE+E-K4"148/L(B(R@,.%L28
MP7KKR5RB#[K2.0QX_P`>DN/UO]4C>$7LU8Y]SK-F#?U`K3Z[R!2Y`2XRV#^G
M6C5BA2^6A^Q%466?',VZ1$B\;C1DI8;Z^OJG9#B4I"V1-UO$QGC*5O\`OU;V
M38;?6Y\OLZVV'5"4&T&LXN]@A4G*<SBZ4$`U4/4X-V#5BQR)Z_6J9(@29#3;
MW)MV1);XI,U;4B3/P0![3O,^Y_LE<+%;0E;%0ZM%#UZ-+L1(GDIFQS<^L-&J
M.N&-*"Q0,"WQG"$P^7R9QD5&*28\UADT,?<CJ3);;=L<1.R5]M=F_#&V"YO#
MA9<3:;6$MF>5JD6>`YAIVL?7,J]8=$LA*\A!18'=[??1=A2V62V&8KGT=:Y+
M=81+<1Q'I)!1]IV"T8=HVX7<-8$6.UQ_7?,856A#;T`;9#KB"[M>;<(#")P\
M\`+N5+5YJY;\1YI:)X;C'5_&.AM*,#.!(A8/;'VJJ`R8.N)FGLV:-4=$L$B#
M4<D,2K3$L(GUEJ6NC(ZJJ4MD]*\FK%VG'`4VQ-.2I73<,?">C-HD//IDH4?X
M_C/P)[%;1FUY'F+WJS9&A@FJ\)O1`OFQE,#0QW_8?<O+;-%[#(S^UKL@3@YS
MHZ`!CLBI!"X"W%QWGYS:W48!F%8]G_9-!=%EN5A&AH3]BJC)ELIGMG%5;UKC
MF,VP<<9/6.&(.0)=UBRCNU6!<2(=<<C*E!XCJ>L)2IUNQ@>TS$[V^]LQ5&F7
MJRQ:C4&/ZS9H<8%8,IL88L[/I0K$I!*PC'"UQ0P_HMX):"5AUNH2TQHKA&%R
M*_.5UIYSDCBN9.?9/V%UO-M=`&L\?)W"S9_Z]5XXK#Y6>VMJ;L\G1;*1,7^>
MS*@3T"Z01S&F8^J:^O[161"DE8T'J$_G(1*L@`(\^F9*E>R&]"_7;.[U836;
M/V^_;6&K0B711,>X%K9F1,FW`D.Y[4!MNF@#][AF75([$27=3_7XK\I/W)Z.
M1U(P,XGY0O:G:3^0:YIDYFKS6!L'&N@":*%;1%>RNXZ98G@NE4VUI>+/E+X)
M]:P9,03L1)A`OKDCA*,YR)V,I,=!`SB41!]YO8YP0DX#F9]>X8^:6=@J1E%[
M!LVS$C;5KE5;VM/OLV*9RJ9Y5VEUUB;!C_=<)2.%DMJC]^QR')>(F7@^R^T7
MZ\9_1;Q=A55J`350-AG&1F774";V_%JB6OFABMBBOQC$YG/Z(>7GP`,B/\9C
M9ITE):7]MN;%9;LF!B>H=7R@)5M#O^EL'KJ7/:(D,T0'G[1/)5@!&"1?Q(\6
MH5KOVA5>:E,H:[)4VVIR0ME*UJZKJ^K3'/C$M#Q)'B(\1'B(\1'B(\1'B(\1
M'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B)Y>VC6_<$Y[":
M1FU<F":%2H>B4FGA)?\`0R%JLXFBEUY^^WIX%$ZLLU4G`.)*6*)-E3"LV,.D
MQ(B40DJC3N/IF`N,^\J$][%>Z1BH0)R\[F0[?2ZV.MR)Z<ENJQY.U:CZX:'H
MM,_C!+)&)^>G+S@A8$W`><=2Z1G1V7>-25,JY)<+F62]K/ML3T5[,0MQ,QY+
ME\LU4N9Y[`%JYE=?JEFFB\\L8HI-CQ*I;96^T2$L^Z[U4N&)?^*&FV6^\CKL
MF%QF1Z)MWO.[T?=TQ9,]F5!$F&\C3BDD;$DS7;GBE'55W+5*F.'H3)")HYPL
MX^YU+K'1#/?DF+&G<D(PLZ.=;3[N7H$#)$+`U#CNAZI]_E;R6?,)3R>@WJ'1
MK!!/R;)5:JFM63(^S9TQN%''.-(:A0U$'I'/S/NR4A1(_2=N]@-!M6+YX3=T
MFWUN&.];C-SL=AS4K5"TFWU^\^M!PU;^/!J2"@0:_9&;E88TYJ=.6IUT',XB
M!#9@R'I-DP/62#2=`]J\=M>[$\_Z;FT^[[;8E_<*T*9,B956AG?6.OS=##'>
M`[.\4@3AUK.KZV^.GCV/PNR$1_MP9RG4``R+679/:K4+"[3W85J$$ZX$`G53
MJGGY[\6L:K7J='A+/TR02I,"(8H-X*V203"QS4LE-E1XS#CT6!Q*X[B7`$O3
MU=LF^#[/89<PQ8M,J.A5C2;P(Y9J$NEN.W6G4GUL8K\O^;7`&<'=TDK;CWW8
M;T>/&:6/[R*RUV-+ZZD./\?SE+FO;+V=C!<[8I$ZY7&[F<WM9V[,6#U\.@@8
MN^D*!J1-=2$5N'4VCG9.,Z!3AL"8U/-0>+9*0X[CQ25.0Y'DN%S+DU6Z;2/S
M&AE+5=K76[%G/MAH];DZF&Q8E9YDZE!<TV\;4;(7SJOCIPY\989\X:-_,;C=
M@*?>9>;XAY3:TI`!G^4P^<ZI[<[#GWMA`U`7#S(]"QNU1JY2*^!/?WW/[L^#
MLC%?D@$SZJR.L(VT!$1B#"NE"\A)'O6V^,H^K*+!"@C'I(M1]VW/)"%/IY%@
MHK-J'/@5#2@S6#6.%'R'/ZT7KM-S,Z+*U@,MNUO[579[AF4W`9F($NL?!MJ*
MRT\A2"`?,Z(CV)]RU`JI9;E(,U:O7MV%$MA%C`RCDW#P05CU]42MS`9R(2*'
M"=E):,<BO,$&'6(#<7CR(_$C9O7I+A98=?)[\-RSTF!4]=AKEFL^'TD!?+P5
MSLZ8-5-XK9<-AV-XG5K#*_BJ^>?$22+WVS+$B0.=85U?%(9D-.V3QDS+7SV`
M]FQU<]8"8H'-%V:_971K18*RQEILU&OFLFC^:CK-EIB1U#SV3P156L!DKQ^2
M['=9[$ZZMY4<=,8?0`/,R7K9O/L#M&KU8<?03K^>!L]<)W5V9D!^K?SVDC<Y
MP5)ZJ-&K5&A_QL43H%]LG5<B-NK<>$JB(=^D25\DA``_6:^U8_['^N-*N&KD
MIMK(1-4F[E``4=\+L.LD8=]JSF['<SLA426Z4FU4WI9B2$%_QHF)&".01,1*
M7E+D-]0F6`9"*Q:/8!V%"JB8%]NX2AZ)H1UQHIF]XJDBH66RE?:&!W/91*,D
M;,NM>[5^`RD0AQUWX.2H[J7NQYL-AM!`]9LI;KUNFK^L:ZJ(?U"Q;%KFHQJ!
M=Q%&!IQ*T8!`9@N6[2*Q7+4>4#C,LU2O`)`P;899%[^4FD6'(\ES[[#?$@P&
M_20P=[/>QA>'#?O92X8B3Z2S2MW:OLX$3M[N>T[^B#7]$VB$72%+C[2].]@8
MLZE-\95)%BA;B"3D-Q">3%(P/XS%/^WOL_7!UP+%A)XLQ'`W'\IAO!+LEZ@[
M(JH;J_3,9&110Q^?<1[A:G55]!+X/\DNE4H[)XV2A,LHXB98KLGMP)L%9.VP
MY?VZI!T`C:20.B8?%>GE0#+GN!4@>1-M3(1)PFW9Y&=TEUB4X_&DJ+%F'?R8
M\29';:1A?3_'M*7![E[+G+18K5)E6TN?,T0;G]<J?_3=V?KFTU:#H6I.'3J[
M?%I]%B54YGU*LRB'7Q\40DK^"QQ/Y+:FU+GZRX'_`!DUB6'V9K!!J332%QHD
MA5ZMDQ$0E0RYX#?21./[CV2K4JS2K*P0Z"J;MC``8[$J$Y`=:_DXWWI3G50^
M<1@8_P`?I+AON@W;0<I]/=_(ILT@I;+W%O@3!A8_1`[]RI^H'81'.H9";1'$
MQP^EY'0"D"=Q-CXY79S[))J<U'XXF</L@`R1->3V_P#MJU2(N?`;]KDNUC\>
MT/MUT2;B+#=B8M0`/HUI3::H+A9FL1(?K16GL5E_LI]IN3(=ZU%'RY#C4WB7
M"YD[F[][T').E-5V>(#,`+#KD@&PSDQNUV2%$SBK[&8S\*4%2:[5Q/*WL`^L
M5.>S+CSR,^4X2F-0W8J),%,9)A9V#>^>]<"[6RCCTC&6:H+O8FMV.P9>9<):
MA&$7[5JHSH02O!:U_#3SU<:KU;>7!;+BA[X^9)D_8<Y,']91A<38_P!?=#U]
M&XZ#7]JNMQ)#7`(BH9Z$E9?T'7C!:J[5[*TZ??V2@.M_:ADK72Z*!FD..RVA
MG.S8SD=MEF3$2I(0,>)Z`>)C'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B)%;G
M2Z]H%?E5BT,$)`B8[%?>0*/'ZS/X["D-RHZXYJL$PYJ)U+S7/E]J0CBT_5"O
MJA74]1Z3*`00:KA`]:K@R$$K]?&00P0.-CMQ!XL4,C-PQX^%&:XEMB+$BLI;
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M$>(F.+LDY`HG'"3XHHR_`F,B2<X<LO"'$G([B(,Z8*:GBG"<6+)ZEQR.F5&4
M\E/4<=;[WY<1/)*C^_\`HF="9EK]C1<*Y4R7E="O+5JR^J0ZA$K=ELP3?+'R
MF=JQN^VRPG7#`['/MM3^241X\F0RE:$H6ZXRGH5!]/66U._8]5Q(SLDWD%^K
MI:5"!Q*X#LLB""E7FVF="FYZ[!HBB##2[32@DN!V9.L,=OK$:)(B]7'XN4PE
M;,QX_K+YTSVOJ^:YAENHD*M8G(>FQ*\::IY'L4#H8.N%@\$V9FRJ?.4X2EE*
M?#(M<)Q$<2B(YWO'GVN?%2D!<G$UVO?OZ<31[VS2,5MT72HN:WC3:=!+GJ$_
M`3G-;$6_G-,*.-V!<+G()ZK*3VO]<X1DM/,JYU'%N=92\?K-E-H]FQV/6T35
M.T>P6U2PU=/6HN+(@QH^HB[M>A^84>1);+3&)I=1V\DDLO(AM.J@P6'Y+GUZ
MEEE],0,C,U(I_P"Q2QC:Y(M^Q8Z4KPZV0LX>H,2O66LG(L:XWK(,'N+.:S9C
M3[!20RLUK/Y'3[D1N*U&<^SUKKC/T6F7'Z&;89#[/)UZG:5>!N2:2&&YP+$.
MN!2$(8Y=;38YF;!-**5*N4]J?PO_`"@Z#9(,..J8F(@E+?YV/\F?HZI,2,>)
M1,#WZ*$'''H&'SCX\C5ZB=JO*MI%-(SR9"96=;N6B`3"22@L.ND\]!9%-CNL
M2'?R7C*^076XRDNN-)>,QQ[]BM?"QH-J;SJ\D*_;/["/S&MQH0)TYH/*Q8;C
M"(6J--A'YSX*+-%9\67`%2H/)LEQ$=*U,K?^#:7C+R'>U7;'COL+IM?SPK"L
M&&C[W+1F=U+0ZM=":JG6IEA"N6L,^Q(GY_$ND>)R0.5+;>^^,>:EH^7%];0F
M./.)J_?_`-@UBGB;(+H='*T^V4QNTM6`P?@L6:H+L53R/03]HJ<,K$[%C<GU
MR_!H349:^IZ7@Q9;S2&VT][XF06;MZE[!@<FG"A9BNV,[,)UT4?:17VA[SCJ
M"FGYIE;$%AB9.B+>GK-:;%?0CGT2MAAWG%?<ZA*DQ`S(.Q[/%+!Z^U[;:3F_
M3)DY?Z'1I6;$[B(#G*S+MVLUW-"@RUSEQGV*]<ZH@[]T@'D-ID1)[2HCO>=3
MUSQ&/.)KY2_V"2`V6@36M9^21=>,U4P2AAS-6[)LU`M$NWQ4Z+50`XA/F.(&
M=IDM<P6[]IR#'5'=D/M<?3SB9%?/CTFP`#VG>B8(,W/4L_DTF`]?[%33PX18
MA=IC5H<-T&PT`/:)Q?B!3+PXH1%14N(0C[C#DU//HI*%*\2<?.!*KI/[%Z#?
M;GF%)"9?J'\IH#51480Z.'2)-#EVEBKPIHP_#%S2*W9]"N5GZ(L?VU<8%K&S
MI'7'&F.?<05(EB;)[DU_(M(=S)-&-WDXZ+%-BT54[6^N.W4X2`Q0]*.\*3H,
M&HRB0^Q,367R$EI2XOU<^S]E3;JT!<C,[^2^X%8UJN;5:AU'N8@'C<,J461G
MQHZH%Q&AW[J/F_UV?Q;4+I9@I0)W'(;CGW&(DB!(=4CDSC;:"N#B56,]_FY(
M<[..8C::@3A#EO5L2>O%`D=N)V(K,)A&JB)%>+'7UG6@.Q`Y,=AN.^[->Y-8
M:1W\3CKR.,K2M?L:AE@6E6ML+83`+/\`4.Q'VH-<!Q2C]8/X;/W.FY\W"*6\
M0\BURJC#2](,_1X4U*>1"2MUY,SL)+PQZR]P?NL@K=!-&EXQ=!I:+>JYG6FO
M?V.D386:V:[VVX5&DI==8-I=MHPS)I4IY]\:AQ4)MYCBVU+4[QE)Q]YD-5]R
M6,MN5GJKV/7FQP@MOKN8!+$*-TB+#MFKVNG5>^A:;!A%;#"GBX3M9LOS=+34
M,0V9$5;7?K\D*4@+F5X9_8:)%KF0HV)7\N9D!;;=J<*A6"BLJN>;YZWH?]YM
M\29..Q8@>0+E9I,:BCIJF9,[\Z`KG6N.2_PD<9^O_L2KS9V&!A89L-AG3V;J
M3@C*F/%6JQ$*]6K->:,!-C@`.;-?>1<;IFQB*RPXXR["C-,2)/$<?XVA'&7M
MA_L\$VVSDZR/`M!7A]$J=WAS5V@05BVN)8H["B<JC\B(:>L]6J963P.1+-)0
MW%/1Y,!]EEYI/W4A&)KH#_8CUJLAK!?<,M0%I2FHUOD5RUU2T#JH3,D-$DU2
M&E3DH.1-,$*7F\LK.DL1^-#U/QV/^7JGEL)>/T,RSW[(,R6-=+C*7:YT0:<D
MPCT9V?7HYJ(!9N5O`Q;*'",$)Y"PQ2M.K$>V,):2VTU7S0]V4]&<?2WXCC,D
M)]RK+?+_`(_5JKEI^M!;1?P@R\'["6I\]`VMVFK[*8ID9B`+-2IRI]I;S)$Y
M3C''>CV94=EY/W')/(J./C,G=@]R:U7-8[FLVAVUP9)TZOXP%O+$NO*%%]**
M3\R;+ADB%DT'8(T`)U*++[.>92U*[`FLMI^28W92./C,L/"?8&'O,B[NA*6?
MKP&ES@`?^<.SP*^&S1FMC;5,@CQ@PC.(1F0HLY"XZ_)2RAYYY2&>+XTI7B0C
M$V&\21XB/$1XB/$1XB/$1XB/$1XB/$1XB:.U+V-T1W-<O_!J4+4=9TBR;BS`
M&3#T3/`3=:R>W6^/+F3C,6OGVXTIL;"%C8C2(*^RILM#CSC+27WT>?(X&/).
M9\+I?DG8GK-7A4-KMMFS:P"PJ7AKV6`DL$;!P*T4!3EF!)`#$5U=O=J=9LIN
MEMHE1GU^DG:9=ZS2M/>L<5-I#:O']:2^]#^2*+P%+C-@A,*(X/\`Y!)-][IN
M+UO\)4129:H;,J2/3'_'&9S=[\X?:ZB_<T*6KTK*;4KO+CFMXTFVAFKB1Q4`
MISYD_*N.!0AY*T>W9*2#HETKM$/V%C0:2%,9N"FVZN`1MT!W/9L8R>GW:Q.K
MKA,C4IAAW2TE$1_R'UPQ*5HDQ?SW.,1;S]"!Z_\`S$VQ^7VM1K[NMKV6+L4*
MU*&Q%6U;-G6UZ[7^QC66^;Y`,GC7D,OR'BG=E>X]H;9>_!Q=DG,I<\..V6.S
MH\=AJGOFM^M?K]%<IC\BH(5?HS1JBES#JI"`:TB([7T0J6_R*A\A^GGW_P`\
M3T?\SV@#\>D':AE78'S`?'RV[-0?'FO^Z.55EAS\6*P/!=N([7MO[,JPZSY8
M,@WJF5*-#?F:GJ,*SS03$^R8_6C=<IUBKE<:,R8SR3\IR\*,QG8GRD+36WH_
M.?1_O.G?B0,X_P#E,OR_\G/1;6I57?32BDWWARN7UT9*W1`Q!YGY38I7S_99
M?]4@*/;ZT9/)V^7IM3D&J4`T'?&J%9V[:/\`Y4@YG*JS*@4Z17/X%ABO5]_M
M@["B$G9\IY+T5Q;\=#*V7%SGQSR]/,YX_,=OJ7WF[.DV:5>SMBIQ8.1^'@16
M4X`(AY\5<NQRI+*`03(8_O7`_C*.0GU6H1G3NC?]='Q+&DDY)EY;NA5V@1;?
ME8U[-H;^B4A7;/&G/$I_]<892ER+SJY:>-=?+X!\>OU_\/'G_A-H?G=7Q4V6
M54@V;/PLOS$L<W)4+*%^$&VK^XKEV^(#RGE_$D^.[I?M9W44[)K3U3R>Q8;9
MKI0F^6:&<5;(\?3P]?%V0\*0$&R*G8%!.)D)AHDD&.0R;:5/??;>;;JL2W_E
MQ-GIN^[#M^^0M4:>HLT'MJ^\-\@%ZHKLO$&M^/GCR<<7`Y<@0-V_/2?<1XB/
M$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$2$F=%IP%V
M`DF=',1IK9N0^4[-A_Q`:!789&68*'R2I"8H85!4*>8<DOJ2TB2G[2E<7_CQ
M$X(&G46?)9AJL@D=*G33$0)'+D8`U^SL@1L0N5*U=J5)0Y8`D07-;D+EQ>.,
MI9[\^]XG_/B7!@EJ>:!Z(8U`EH%-BYQ7X9$@;O:[((54Q<,0\Y'*/S#[<M8Q
ME,"2RIIWG7/JAU/4=Y\_\>(P<X]Y6P_(?62VQB-8%5#+;/%!C0`<P!@?PQML
M2,[6[>/K,$J.8D2OPX[U6T0RF&EY"?N12CRD?5*_EXC)E04VD>E.O4>H7R%#
MK)<0?'A*#6)ELOQ:79P96:0'6P75A\TG<)Y>KZ:Z2'0Y2NQ)#)]:XK'R<5QE
MKB$I+#Q)!["E/4(>Y1:)O"Z5.(U_^L+K-:.FVFS06LVZSA\YC6`JB29@SW<^
M=/KAL$WIBWH*W([;CZ'%L(ZE`SZB2HW@?JGIR^5,K2<TM4D8!`2G0<69%>(,
M5*2W:D`4SH@L@B<Y43+-K+)2R]Q0\@B4[Q:7><YQ*0$B9NSA_6O2KU6BMGEY
MA:M`S>63=!I?LH>0<!2`3XJQ$V)PN,42N6S7)\""3ZQ-9>:'S&(\Q*&GFVG>
M(\@?I*R*U/T8J6>BQYE_$1.=OP&B(*00N`C^._C3BJOF0\R",OFW)34-IV"&
M#P9T5]*("XT-J.XRIEGB4OW&7I$`8_0HCE%:?K=;5I'/QE"9UE[&L%WD0ZF+
MJ:GFY9$KVQ6`JQ4:]$C+DH==E<8BH4I?U3\O$GDS5+4*9Z"T+,[)9;-7\Y.5
MRKTZ">GBPMMB$K"<"HMUI&CR'W9-NAN%YMENNB&1<@J0EIX2>-S8DZ6MF3)0
MIZ2CD3B784SWU:M$.$**"\VCO-V6:`@1(5C%A3H.\+*D]$+UL21K9R,0#6YD
MD;FSI,6!(1(^U*?^O.QW5\4DR9R5*+ZU#T7F"!;IZ!6O$Q(ZPG"IEDH"UJ=<
MA!&*,KH*QFBT]BVQ5C$2H[`N"ZN/&XMUMEE/S<YU*<S"#\K]/8D6;&AQ<P?'
M&C0R@S8,FZ,E!<^X,5*53HH%4"?89<!=^)4\JY#D]XC^8(QW>?D*>[\5<1]T
MBVPVKU<N5%QG:=-I/+?$)W*O5G)(LYB&/L;ME/V8=.'08\$E80(Z7R`8I,<S
MR-(?=ZA\0S(CM+F-1T]0,^@D]&`_5L;EAV@)?H8.@,R0]EN@,Y;FH)0,>LQF
M-80Q>[E"AW^RBK;,L4-IV-*G2D3N2XR.-.?)E'$I/.<S$6G'?30M&F,6H#C_
M`"-F(X`+-<E'A8SE/!-R2[8`):'&2\14"O3)Q:5\()#O(<N1WBE-N.--]0C)
MGP>(>KT+)[/3#H`!,HEE,S;+8\H(,LD"9)=QUYL5,LZJ1/(.36ZV4TLBF6B0
MTVB#Q3G'6N<^O$]2^<_K)G*RWUMIEI#&WP]#I5M"$-*U$?(:.-5(FX[:3G]P
MU2UDH\8H-Z<"SK'*23*JFHD0&IG42%I0YQ"^),G^4QY3-O5FYW^5H1,;F-AO
M_`@2V2RRCP^7,0%B-@W05T='M%>P6D+ACAC;1GK/''XD:(UU]3+3"$HRWI.6
MJM>M]>"VV,.DTZI0--BC;3>*?8;(R*7QO4G)+</^5J!DSUBJ?W0F:D)['88B
MM3R,E[O$N/N+4I'F<D_#O6>]BR\!VGT`W`KAN?&,.B9S3<FL6.#$I[)9B05"
MD&"%<-QAM*#,RD\>8?Y%B-MN<^TI25HR1(=S+?2-D(/GH"8-'KO:N\Z/G-%Z
MO'#R:=WBJ=^2B6T2;ASJ_$40<&L/*4XQ%<ENLM*0N0XE:,M^LBE_QCUVLVO5
M#7YVAYK5VLA-BM-L@^!*J0\A.LA=TV6J=CN-M=,(D1`4^2<>EQ6I4=7'E_-4
M1]E$B8F2E!.,3*LYEZLO;'J.DW.159FA7<T*)\:OQ0<-[%'4"D4-I!>E"YQ&
M.Q/"Q(E+CSUFFV%O([R0UV1R,CK?$><8E3:]A/IYL$6SYE4#F;@['I,V)<M$
M+4^,%N9N%3[S4]9)*LR)2S76,]KMJ&RK*_'),\_B'YQ"3U^-*20DI?0"WK-D
M(6;>K9V91HP?^B2B[U7M2J.JL7;\`S8JE:YI4G:9D%RLGX<VUA9ADA-G=>5^
M2Q&GNNR6>M/]ZYXDR9RT*C^M^27:3'JH.NT*XMHBYJ*68*R8DLVT2A@[E,$T
MI%A+OJ*/')DZ)+,.P$?DE"C/'9JGY#7'.(\F57>Z_P"BV37@7`N(7,@UX>B/
ML*$$"<1$D/5]?/7P5+LAP,4,,P8%0FF+-8H3<]UKK0Y!29&C=9:E.MK2_<1^
MDL)'K7ZB6.3*K$+.,LGSPJ*>8*@PKD-LC&@0:0!H=+_GH(B<U,>KKU%I(R#%
MC3$K@2HHJ/W[;G8[:D(RWK,XO*O6*!9*MI+@/.(-@S01#76+)TM#B-5@1_$6
MXB*()Y_)-C4HC5ZQ'784M]"UL0)T_K+B67I'R29,@U[JOIX:O$4K:0U!/6[:
M1W(\JP03,=U;@0/4G=%BW>9.'&V$UJ,H%DT1QFR1N,R'5"1Z/RNICQ_M)?NQ
M^DLOUSB8<WG[LSU^KX(#0562Q5IGM<C1V1)2=F)21E+\Z`_%D2XY(8AND(8A
M2D.*3(A,M+Y_KXD.<^?67UXDCQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$U(YZ9YHU
M!>'Q+?L8]IFQV"QUIX?IAF)-HCMP?LKMS$TJ8TCD@.!MC5KE-3(JE/)YQ$=Q
MGK+\6.ZWA\8_6?(C\+ZM4-:7;B@6.Z8N8&KY.?R+41Y5;/D8,//HI7#(I&3D
M>G>)/2YWVAMC'UV8!FAVJ(-M9J%1AL^?F/<7?MXH`U(XB%<>96KH5$Q+G>(8
M4IY+?)2UR%/C7^7^!/1OPWHV=L+:NL:ROQ"QA4I-'[8V*F?%GP?VPV?`R<<R
M6,@C^K^10R/\A$$%(J&C39X>+CG2;04-/_[$H>LRT!1:7N11<`EHN=P2LB,U
MQ+"Y+TOO$)3*>2J\1-A?Q;ITL^1$<`/S"AVXJ?FJV#Q7.%#74K85'@L7\?>9
M26R^IKMOL5;CT$2T"$$K@,M-_N*M8N028^Q%W9W>"0@IG(RNS0VAQ.60D2<#
M(F%8+0U\D\A:'(GS8>P9,GQZ?Q_7,XG=?B/[S8K703XZFN5[;/GL4D#:.TRM
M2J%;1S9S7R=0A<@@IE6VB.8YG=G-W,_9:[%L,^^4X503_#/_`-T(O]3$=LZH
MX@;&D<6V*9?=N$]<A3'P7(6ZGJ^]^VW\?0J#Z^\^IOZ;KMJ^_8V:Q99L4K4_
M+R/C7GA5!_IS\CDX\G/GT&*]7ZH8W(K3-4G"SQ(4TW<TJ7.M1YTD^]?0<`!8
MI[Q9$UHE_*N11C#T>4EQ,B+,;Y(:6AWG%>3@OI.:?Q+I6U1J6)8U(%GK8_(F
MU0CGEG/+"@ALY5AR!!\S&$O4K/SDH&0L5OURP%!;5=CEBA+1"B)MVB4N]+TB
MBP;HH<U`9+0:7;GWI$%EM$=OK<EYF1Q]EQ3?9P'OF>=OXAU^PZ6[-VY9:O`,
MQN;-HKM^:H68QR%=A)0#`P2K<E)$E&;^M^<Y7="EYJSEL63FA2E9%C#-K+%Z
MW4:L8LRKC-K5/`2GNCP8C^QN+?;2E*G6FU)CI7R,S'9:H0`Y$V^M_&NMZK=;
M>U?F^4HR*K6,R5HS_(4K0G"KS\CW`PH/%547YYE._'B(\1'B(\1'B(\1'B(\
M1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1/-:]^@KEG/:<>19Z\;BVBZF;
M#1ZJ?&GP\*HUX\&M1\E6?[+5C<8ZQ)<W71#ML;GQ$LJ:ZY#C=:7R-UQQ,PPD
M8*?KZO9I@Q%/:M2+/-O<&K)OES+YG^+;8!>D291V*3SI`LXP(JZ-`.D7HUD8
MXW]IT6E#3/.=^O.(YB;&QO59D9AGL!C(@A58D37V"20#*:DRQ5JL[)R&B9S$
M9EUR+*:CSH2#--41=2QV.I29/4\^CB>NJ2<O(,Z^!>LE@R?3;3?SIRE262(V
M]#Q$.GUJ<%)D/^S=6*[$<=O)681E</KIIDLL0`ZAIKK0W[SKGQ<DJ::03D8F
MJ(W]:!Y4O/)MFMF<$(U$@5ZB2JK4:_=<XK5OI`282)?WBP+K-OX5<V-V<2^*
MY/'>PGHS'&U?3KGS;>LO.;=[9ZP+US7:3H+LVG_P8:!18-D$V&K?S16<UGNS
M5'7!#`J:J2B(F(3=!R8LAN0TOC+BF'V_KU*T]F)`V!B5[ZM>DZ_7/1RUTF64
M?<.2:7#KH8FERUBB@54JLY37+#7V*[T],IO:NKN20)$%WD?DZ,WU,;G4H:6Y
M(L,V1*[N'ZW1EFAV%H?:ZG7"=A[/=F'!^?1OY"0\0.>X!V<@FXR4AR"D$T_[
M-PV23*W4_G1A$A"U<_+3UA+S_P`?Y3H__`;0?Y*QGXUKR(.1NC4VQ7,$.I5@
M?I%AM,36(NHT>H_UT@:?C!:-2R+$AQ)"`F.8GRRLY;Z>M.MLM(Y2S?9'UJO.
MY[O2I<!BHA:-$RM@39;V5!?R]I!E0FSY[HX\7G,MDK!D@RQ7^F_;D/NM+8XR
MI#O.]=CI9=2`@"5\]^N^4K@P#%L.90ZB)&T>?%7&S7K-D_L54Q[.L7D53KJ"
M_P#%(RB4.H/\ZV/2SQY)N2E7>]2QQ;J7E,$)_7$5`?!(ZPTN815:;1&,7`Z]
MI!4Q;\CL7":S&?6&N2+2NK1W+S`+OBC,J$VP\PG[1."XS,88:;1RG-%_7KH7
M8R7C&H44^4,4^7FA;^=HY(LW3:446$;CEL_)N'(Q!_3<]#5>"."G2*52):/N
MRIOUD+5U2.0G;LGZ\K8[5@52IFDT^O".@*8%N4%%+)"V#I:J3+<09O?Y-9L`
M<G+L$>39E_"+(?[$G*<ZY.[(^PPWXCE]9M`:]9E&\9S;*99X1(?H%F;L?\O-
MKR9L:6ZU'M3+?(D!^6I4&2WVQ\ZEWCBE)^UWZ?\`N_PF.?.9K18OU[V?^K($
MTC0Z:#)3A%Y!W-QRED!K%]'76V#SZ6CQBN'1MHCJ`I@MN-NQY2)3ZH_(WWF8
MLB1SJ9<OK.>#^OLW66<_,UJV9N1MU!,V2RRH]JSQY^IZ.8-VH46A(OT:$7X3
M(-`A+,C^/D+<D/P"J(DMOBDL*9<1R^LZ:/U_Z$[;:V3GZW67ZY6)QDN)@1ZJ
M=ARAJK%;R%K*UF%#C6=H$^&41G+E<GS&)1/KR^1T+:C,(0M'(2W/:7U'LV_7
M1JPUBZ@\_:D9^-J]FE_BV`B9O+51N;E]IE1-1XYB`.%T\?:G.272`[\<WQJ1
M+B<=7'EJ2A(&Q("&_7F.%#:]%@'*S7%)U.GVJZ1AH4R?78\L@YO0JO>,9>L]
MC-NV8F$M%MSZ$29E3G'DQ8Z?QTQN<[]>)>1D`>_6]:54T/0)=VH=BKH6QUJW
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M]47F07>/U2J/"H_%<;=%P3I%QE3DA;*FD<A,4O\`7!:9M9[6I>A42&B7'(DY
MQ&+4+$5F<./$?:68/KK\D_:YI:Q4)$+V)C0YJ)TU4V=&$OH4M')J?QI'/_'^
M4MC+/1Z;2M"B:H;L5(<M;^@`=!GPZO2G!@JOJB$O8XD8IM*ERB3Y(?6)3F[H
MZGY_'[LB)+?<:YV;]MFP6SX]IG[]Z7<O.T7/7)%F`)>L)`(2"1)M4Y/(UN4*
M+>JQ%V1#+.$$K:DR6_7!QO[C*&5<_DFN][W\;O'4G+QB3;6?6%.H;=5M+FO4
MN371XS/(E@"6"J<,%YCV9WTU=@K8^<[(_!Z/).6-]+[;[*^L/Q([K?R[U7$H
M!P,2`^J?IB[ZVWBP6LC91EP7/J(ZN!S?'K4/+P&Y0?.QUA!.`))V=44@D3\Y
MAN#7FV.368W41N]3QMQ<E#-D2FE?K4EQK`:/P-*`2V'2\ZP!:L<I+\RMO2J)
M>1!'UOKMF90?2X4JF;93)L50),HXVLC$.]?;^Q]C[+B7G,^_^O6=*J-F@KN%
M%@VJVW:1H)*0-S]QFLL2I%<TQMK.F1_\RDE)RH=9=$4RT.<D<^0-MYCZ(=D=
M6E'+S-IO6C.]*R@+::1<XF=IK_+/;+O72.?PIX2%).ZKI>CZ9<Q35;F29B1`
M*KJM0\?"<Z[U\@\S*E.H:XZVTA,209LSXDCQ$>(CQ$>(CQ$>(CQ$>(CQ$>(G
MYWO.<[WO^G.=[W_\G/\`/?$34FA^ZF+VT/',6J07Q5!(%GUK`1-D<J]:=L]1
MU1DN]1++7IX:T60$1A&$U^?Q^/R8D@,_$<[.CQD?!2DR*G^,L97LO@'"(L,C
M8<[<,GCIFL5\7RV!6I9ZP@)T(27%".2)C+4UZ":*18+BT*ZRF=+8C]7]UUM"
MDF#(_2?;CU[O/8,0?I]3''9EG#4;^N%CHEDE_>#=6K-OC56!)C390:QS$"[@
M.1^2*E3A[LF6TTS(<6ZUQ:,&6(9VC)*];W:`>TFE![JP(9//U<E8AD(RR(D/
MICQYKL*1(0ZVW(<7SJ.=YQ:T?5?.=1SJN(P?6=D;KF7&3EAK0C0:>3L%2%RS
M=I#P+`-ESZV(@&"U?F$3L=B0M8F)'.`9T12W^(Y^1"?1_P"YESB4F#(%%]K_
M`%GG"HAN%O&4S!4^$?)09L2[`9+4P=5V@[YZ?%XS-6N1#'LV(:KKJ.=0M).'
MU'5?EQ_N)<&?<WVK]:1JF4D-XRB#^34F;VPJ7>:_';>J#\?LMH^VX[.2VN`J
M)SCOUYWY<:4E?><2I/>HP?I,HU['X&_.<&,[!GCI)JQIJ+T!JTBG)C-C["D$
M%BGHR9'7F7H\2&^IY2N<;85'>0XI*VG$I1@R8BM,SXW2X&C"[C7I=#*=C\'6
MY!.,BOS>3"R`,-4<F\MN,XW,,.)CLJXKXNN+3Q/>_+GU1@^GO(G.]BL%&-CG
MI^R9I%:+F'*^,<<N8#X3C+%F/TN4/CJ3.[QQ^%;:J3'2/I_B/,'R&G.I6RYQ
M*,&=Z[[MC.:D9XB_ZA1J>6%@A]G(C+!8Q@TA!KI8NZ!%&I4.1(1(8&DS,=Z-
M'=4GB'G6'N([W[+OP0`3Z3`P_9[UT(6UZAP-OR^;<HTX@,?K46Z`GRS4\5&)
MRB45<1J:IQ+L%H+,X[S_`/`<BNM]_P![:D\1Q/K,+(]MO7F$TR4(ZQ01M4F0
M8#XRXD+I5(H4F1F$K@.?`18SII)]!87_`$4D])^]":8;8BO*XZKL:5QA&#+B
M-7VD5MUMFP6ZN!778<$@TV3,0(2W(!,V,K0Z:CDA]OJXLZPFHD%ISG^UR5*:
M:3WJUIYU&#*Z`^S/KW:FA;]9V?.+`P:18G13P:UB234Z-4@T:Q6.<RN')>3T
M<)`SH\QV3WO(_P"-)8<2OJ'FNK1@R+K]P?7ATW#!"]-JA>2Z%%6HE+9L`,:(
M!4\LY?8J;,2,'R(@:[''D,U+1YD**Y(*1'(RNNQ4MI6M".)D;$>ZV,&-"O-0
M9.B(U:H`$`:.Z&0M-9&A6^GJO"N3#2`Y(E"L4F)_!&A_PD1H\CYRI7V5(;ZE
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M.VD4U$714.(9<LS<IR0EAP:R\ZA"^\5U:%+3Q2>=5SZHP9(J9L>5:(4)`Z-H
M52M1D.)#'2PD*:A320T18(C<X1/G06W>R8S$R*\A?.K3SJ/FGB^)ZI/.HP1*
ML@>VN.V?3<MS#.[;6=%)Z:O2UH)U>T!9PT%#RP0!)6!<A4=^0Z0GR%VL9V+'
M9Y]'H<E4Q*_L(3UU'$XS+%B;QBLXI9@D/5:!(+TPC-$VH<W:@_98$B,%6`V2
MB$F?R_E'='#*D6=D?7_#/\7,2OJ517TMHP9SM;=D$BKVR[1]+I4FH40G)"7"
MS1K$-D!*\;AKBM20I(DS(7%8,,R9S+/8OR[(_(>0UQ'W5<1U&#Z2'\]KO694
M1F>C>\F=@OJK:6IC-ZKST7O;?'G3:WU4AJ<MIM!<>,DR6E*[Q/XL=U]7>--K
M7Q'$_2?MX]J?7/.:I8;K;=DH0^O580`.G),4_#,2X@NUIL*JM)2*#KGE9/+(
MFHE>P>-,K5*X-E=;XKC#O4(P3XF5QW?\SW!%J9I%B&335*M%KK%GK:"8Z4<#
M.5F[VNCQRDZ%"DR%QA=CEU"3)@K5].K9[\5\0ZAQM"""/677XDGDU`W3VCN.
MGVFO9Y:#EA$C=IUNK66+W%6Q@3/1^:Z#<A>?4T%=28AL396]4`5[K!@NN01Z
M)>:0M'X;CJ6ER9X7'GZ2$1]T]S3M2)"DA+?>`EYKYT%#LYO!C50)UNVUS*ZU
MJ>CAC5;:&!I2*X_*9L=(!R%MI6\9Y%C<E2YC:Y#]EPL@1>]>UK]WLE[&@K[,
MTBJ9O<`8^I2L0LW*7E9D.YN3F=LUDBW!'1])E6`$-KY%_P"_,)JZJ?Q'%L)F
M,1V$>,8]I?8[<_9RL[E0L^O]DL\2N/[7'S.NSR6,161>WU:39]K;/6$Y;Q@"
M&"IIZLU^K5Q4'D)T='G-25.\C2OS&E14F%QGWEB^W]_W8%=9]2SJS:`$K9/'
MDV&,0RO/O[,?I)ZN7-1:TVNT2S&>6D86#%Z</2,%PQ<[A)@@MU+PV8W,CR(2
M1<>\IRY;;[F5F/*>#$+C8K#*#VP[0*SWU_<="W&(N_;B"*-&RPT"AROR,KSF
MHU(X.9>F0)!Z886VI$M$R-%AI<"=JR>POL1DEPKX_5=!L0FFU_2<[`,VPKAL
M9(77JS9[M%3J,BW6((#0"SQ6:4F2TX+>BN#N3?NKZKD]YEQ*48!]/6;P;?;=
M,D5'+S&%2)3LBU6Z(0EOM5=!11.GL9M>KL/$RVC<=M%5BW"P@Q(IZ?):0["2
M0[Q/$/J1U*8@#/F>:%>TKVIDHIFSWBFVZ^V&#5R;DB-2\_MK=A#<@4O134T#
M(`'<^SH3&O-9OO78,?BA,R-T:J*PXLC,ZX\\F>!Z2'/Z+[36Y.BI(-Z<5-Z)
MEY7/)(2+BMM8`:!0013V]$]T>+<Y&;T-0&X`Z[RLS(K46``X57.B]X,<X2B<
M9D8`]/\`'I-^O4_;-=M=XT6G[[/$A+*0-VJ1GF<HKEH&V"OBJ+:RXBU\60F9
M[6`)&GL5P[3Y$"6V4/NR9).0[V>IE^+'9LQ8#U$K/3+O[3579=[CT>V:(5KP
MA5MOM;J[^30K(!8!USUQSV=3ZS3SC-7:=FP;=JKQ[LAAF7.)O3ABH[7V.O=^
MXE&,>96]I]@/9*YE+(@98=8I]()D)YNHF:)AAB%8J=0:3[4M"IMKNPF^987E
MFA]XQ1EO^%X.>[*>C,RW)0MQ,AB8V@`#_'Z3G_[^]Z4$BH4]63U?`0I\5@MH
M`W%R162!J66W`5B&X7`0+2/(QSY:V&K)S0*E$1$D<DU\6_\`9C38R5H6\QA?
M:1/1+5[?:!FA(B8N.J"@<LS><^#UJO8FP(<TBIE_5[>'*5<+I"[5IMO$OZ)>
M>UE3L6,L0P(*RFX_TCO_``2REP`9LKF>C>S8?V`I>&7(C-M%3(O:&:3?BE"$
M5J?+I./0(D0^B>V*CPA*95JL^STN.,D16$-*B!2/.?)[KJ_$Q(&,S%>SNX>R
MM=V=^AXJ(ND8>FIQ8+TQ_,Y-QKJIAT.=*1]`K3\&C2(<E=9*0(XV2V2M$9M<
MAWK*1#O%)G)>90!C)D9JMR]B++['Y!4-*(7YP10=IO$$4PUC\@;7M`HE>I/M
M'3XVS7:]":[&`UPM,)PPD1L>Q)A#I"I<>0S!4DA%<91XQXG?]E9&S4'V*N6E
MTHM>!%=+9-D%(<MP#&X.I/4M#"/:FUK&U6#$J1HW.[<]'!5`:;1]9#;;!*+Q
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MNQE<BD39F>2+Q;O:`(]`B18<4?'-1H`$17YZ4%TR'OF3YWO6V),9EF^WZRX7
MU_Q[1RR>U$'5]A@V2I6X[62W*'6@]L=SHO(5IUHS;>+I4FE&H8)@<+I$)6.#
MHMF;FC(S0\R1=<3]R&RQ'ADD>,"<MR]A/<3.J'".7:V6L(TJ@U?1$VWOKVR0
MCO:59P>:R6L%-C1H23&K=-CR#!]2BLI44C%?A):DDD]1]E](`I/B;M>VVE[1
MFCV6S\?'D+2^4+6@<1S\!5YAJP7$RZ%8:I:%EG*X8KX2E!#<CLJQ)D3P$YP8
ME3\(AQ<1R',2*`?6:<5W9=]%7<)J1Q&DW*CA8CE.F:*0P>X@S)VI&@M-.'$2
M<Q!56*3BSZ_LDIX'$D1Q27E0HG>.?>2W(FNI2!C`QF8:MZA[4C4HL%P.:M&(
MEC?%Z!;)6'R2Y?!Z)<*QZI6"3'H%8A4U\><@J-%#;'6I4(^^-4U+==Y]8$I'
MB7"S)3=S][!M)D7:S=/@))`"[.FT^)B4IN>%_JD#UI)+$4Z1'I]^GQ='U3^]
M6V+!X=B$@\.?&;BK:C_@RI74F%]/\>\VH]RH&GV6@X7:LR!68A9JKI#FEIH4
MFK"#B2Y>M85KMEIP2\BWXA%F"U&T2():^4:3&<:*]8Y'DMR.1W4I%Q[SI^LN
M@;S>]2/Q+5:;;8,9K55E.TRW6?&T9D5U:>4,1FU&3\4C7P$P#*J,J//&QX46
M".Y-C,MRW4.<6AQY!``_65_H&^^R51W:U0(XZUR,]KV@5R/90,7&C9H%5L-:
ML.&_=T^O740$D3;A8+/`L5LCS($9^>Y"8@N.-0XZQ<AV2E`&/UE\^H5XVS2@
M=SN6P]/"6I,^EP:;4CF>+S]X<,>S*F68T9=CDX46QRR!.TV:;%?:D_!N"H?R
M.EM+R'^J2-CVFX7B8QXB/$1XB/$1XB/$1XB/$1XB?'76TN(:4XA+KB5J;;ZM
M/''$M_'[BD([WY*2W\T_+O.?X^O/K_KXB?B5MO([UM:'$=ZXWU3:DK3\D+4T
MZGY)[WGR;<3U/>?Z\5SO._YYXB>:,K]<(LZ'SQ%UU-R[6/,*_5,YJ[Y>E.#:
M7W'ZS3+?1Y-%,5"KW0`4+3K0.NTR43).&?C)F-1T]B\@MN0GDSY?2=)ST)M3
MFCNL?]F0X6-&V+%..5,'38HX6!BR=0R70Q>?YD)GV8S)SV`0,YT^2*2XSS\!
M^<2EKBCX*W&%1T<O'ZR7B?U_!1MGS4[/OS5J&9L_768%>L]0F/0IH@55O7\0
M00]T%=Z_&6=79/70*7&2I,>7#&NOOMN0I?4QGHZ3E)CK/J&QJUOLMA8UB37P
MELL`[38%?CU<,7>A['6\P[DM?M[1UXC'?)U"#4$-*E`?LH5)EM]<Y.:;<6SU
M`;`D@H'K7-S6E;<,3=O[]>=;!6J27ER`PVI0EG[*9TVR<7$'PI)'HL3(,W^0
MPRAQU_[+$9/U6XO[BNH)R?TE+Y[Z*F`U7&F[EK"?^Y9U5R:%)-CZ6#B5@1:L
MBG8-8:.F/6F2W4EH(LI@4!LDTW-C_P`LB3(4RJ"E,5$9!;]/$@L7T>T"+I8.
MH1+&27D#5Q([O?;H6$T=MVQ[4:&@XI9ZFC8!B980P<I.%(ZH/*@LPAT="U,D
M9:G&V&DO+Q^LL1K]?0`-,E3PU[#!Y+FHRKK$MLFDE26A,54O;[=;R.6R;22T
M=P--JEA)7PF+)0_XAL64!SWX\B`Y-<200DY2V,Z]:[F"Q/3?7^^:3$L])/B#
M%;S<F)"D81>A`K`,F/*AP(]A.69V*,HIPGR/5X#D^?\`Q@D9#:5)<[SJ6DA(
MSF45&_6108;XR7V]3K`Z/.P9#HVX5]TC6Y]4(4<<`T>JS`]:LU/D2>:#>NEK
M<\\]+=C-&#LM#L25%[QGQB9<S+ZW_P!1@FZER-BDVIX*9==R^0-9E"YI(`T]
MF[.RC%QS<('9*>?,BK(`V\K&?CLE8"FG&F7$N*Y]QMQ(&Q(?,]%*[_7%UZNZ
M/9J3]AU]X"2J(L4,G5-?-7TW5Q7:TXOLG^/57R6DJC0E=ZM338]ASZ]<ZKOB
M.4B56_7B&!O2")3429(M/;O/9ZQ]79'C/R;S4MQJ4QV#',V"TFT(@QMODO([
M,)3I+SD%O[SR_NN=\2\_TEO:YZINZ;+SM4#29E4&U*O5*J6:"FJC3C]M!4O1
M,\TT.U"FR9\/E8FO'L\:9DO):F)<A2W4(0TZEMY*0-B527]`EN/CY%-W"TYT
M1B`(-?=MU/!($:%T:,Q"B8U'`0[2-L(^,S2R;F?0#9$7(@3.N$6&7(3\"1':
ME<1RG",_7Y&@AVPLW2AA\9)E&S9T`>S1DM5#1\I9=]L##$@//N4F>Y36X_L*
M5A2ATF=+G3FH<9Q1%#WWW'D<IUS'Z\QARN"!EDVZZ'K*-G@#<"RFV),J1)ME
M5A9^L!(F.]LK=J)!Q\C-8OU849Z4='_5M9'LA'YO4H;])8^+^G0_&M%"V:O7
MJ"BI5N'99<;,PU+BBA\*XWNHYM5K08C'9MB/GXM?DM9JS*@"WEONQWITC[TR
M6E,;C"0G(D&9_731XUM-VMC0[.A1DS=C'1/1(;H^'TU>:[9\_AL<XE+W8V05
MN.?KX;ZJ^O8%FE*<_P"1MOQ'*6AG'J1'HMEK=HG:$0L4ZK7419QJ/Z[`%(=%
MUO/-CS6O`IZT3YSK[\8#KSCDB8CK7)$J`E2&64/+;2DS,39O2X1;S>ASCF@E
MW`]YLT@]&%0P<"-.!1"VAXOI)\3PRY,D]GIG&L=0RP\F/'5&C$%<ZEYQA#BD
MO*1N+Z@'LT]8)>)Y78*^]<%:+B5F@7:96I+3CT7,+QD/81NW#;!;K&BTV`)1
M,U90YQJ4-B3.16X\6/`;XVEM&?.3(A)_7A+EV$59I&^6-\H`($+O77)%0ARX
MP'52MK&Z)/-B@TNQ/UR%GKVD#E%^UUJ"B4ZJ9):?*O(4QV.CE+LR+U(%9M<M
M5NIJQC[>6UF+9.F"+5=,`30N=H$J`7T>*$G/WBP#1E3/V,>W,B0(\%F5#^+:
M'YL[K32TH+3J8;ZA\Q^WU^[DM+(7(W7*H[0HB45<75QLBGCZEG5+J,69`@39
MJ%FPPC/4NRYJ%(1/E3G.H8BL-1X[:"V1B5;8/U_S2;IJ2&V^<#EMLW\#07G<
M["%DU&E:H[L$B\AC+;IN+VYG77MEF]&DW51$PN#XGWHLM2IJIB7E^DN"Q8*_
M5_7>9F%&(&[/9*K?1>K554)BJH+KM@O:(FS@V)(RP'*W7)PV.=B\0^Q)(C^S
M(C:THDQWUH>0D!\Y,H"D>AMMDXR"$6S3.534CB+G)O\`.&54#81#$+6LXBYU
MHM<&CN21PQHO_%0V'H!)OKT<?/:4GC$R&M;+J7EY_29%[];U"CE+E.%:?9!;
MEB`[(.@CW18:7#K\701\45G:^M+=8E$1^'PYUE9$-N.M]DMVB=QYQ*N-JXCG
M-J,GP:'FUEGW'EJD6$F;&W)B?\1408.=E7K9]"VPI.A-,RICK##9C1'XC#2G
M7?\`QH[:E+6YU2NIB3-A?$DT$M_M4'H9J%!I%&55<]?U30*Q9;X?K4-JNV6V
MB;Y#KU_*4\;7K3'L4M<+02)",4($A\1N1,2Y)C]EM)4MQ,L?7UG%3OV/8;?^
MB%TZMZ=8(1,E"AR"HP72Y@@)`-E\M!54X8(QKX[%;AVDGLH%MB(PI\O"4](2
M1APE0Y:64<3)3C?M>7]BHU6A9[0)=!M;87&]#TH#JA&M./`,\TL(S:WV*M&J
M=LG&;.8=#/LL0RJ8:*]R6ZZTJ2N9"F0&D%<>LPNK^P>$TS>4=M6&WNU7_.(S
M@B/K0RETTF+JL)=0BWFQ)&FC%N&V%I%;H]M<FS5Q8*W/L27XT7K\A[L9U`!(
M\>DS#/O;E\LW6ZW$INF]-WAQF30&"0^E@8-VJY*%<)=;NH0R<O,`4V(MRZ*1
M:%C93L>S3%,]6@5]GBG$HXF343[3UU[+O6O1K)2K;5)?LQ(H@VM56?,IJGZL
M8O56DVR'%M-FDVD=3V661T-Q+'&)SLXG(4U&A17YCR8WB3'DCZ36QWVT]?+D
M8S:WV7$+=I5]1!"@:)=@V>5-P85O%DE92`-TZENVZ\,$P$\86W`:T\X6[$AL
MM+G_`&YKO(LI7),N)^LY2'OBJ;<:5.KL1`K%YL%JQ6RWGJ2M]\$,(R?5T:,J
MQ-$;1X1,<;B*W]^1+(0Q92`RIB.S\5):DO.6./C]?_K+0M7OMEM##5,W>*3I
MU69NU)M.@5X409SB9;)=>KM2L]W@/+I(72"MPCN6ZN5*6X.ZN#QEJ1\(L]R%
M)5]GB3B3Z2?Y+[/0]=TZS9R,R_0*SRITOMB-';2_2V6A]FB:1>LV+T"4.!VL
MZ^HU!GT9Z6W,CKDC)$5Y/4R$JYSBTA&!F:VY;[Z]DUV#8M>SZTM'"B+$<6-I
MU-"??S7/H=D7&FEKB6>T\["+BAXQX6XXL4M<^:XE?4#ON<0RE,BOG`EIS/?K
M(HARR@&*OHIF93+&?#VZ36VL]L@JMA*RT)?+W@H7!Z).'-UV,T71U4-#B[$A
M;3C:QB'>(;6DXF?)?WCI0:%,N$^K7`?1&J,:NX!9EBAUXKH->@W&MU8;<J:2
MLFG!04>O%_YM3D,>8Z,-SV^MN,1N]ZAIU''_`#DUJGL^-(Y05U8H'GFQ\S6G
M\[S\'31[:;!;V[!=(%5SJ,S%LQ@4.B&3*"\9R6Y,EP8<7GW''5,MMJ^B"/.)
M0.:?LKS.T1*]5SM:M\W8R@H&AVA5$=6E3IMZ/OTYQC-X(TQ>FIX6QC16@"Y,
MN677"K_$<E_9)O*A2DM)2A]?:2GOMIE<2ZVDF5KB`.BU!@8%MUS,U85'<#9F
M[['%<O54XZ6[G)M]BDABL*6LE."L3Z[#(H;>?<XIR-$<F9.)F>B>_68/D!8J
M7G6U"B$KH64=B3JI7''Z6!M4W*X%-LEC:&W,@Y(@6Y_90?(<45PF51UR2B1$
M8<AR4-6.)FR^-:O7]OS:L:C58A&#7[;$>G"XI>379!5J,U+D1.))-U@]9!PX
MAQ4?OWX3DGDZ"[\H\QF/*;>8;2$8.)1-L]P*YGVHVS.;94+7,:"66`/CGZG#
M'$AP>KK"8-TI;+JHJ9#/P8D*V;T-AH8&M$ICL="WDL=2T[\4O'(G-O/M7&RR
MRR<[K%0/6S0QZ<//NB6VZY'CFJOJN\U;()(ZJ1S=RJY2P6=#!.6M+\=I843)
M_%Z4EQDR&6WD!<^?:19W]@&2)'QRS%*UZ<.G2P]9'2H=9KBTD=1+BZN;_P"G
M8K;MQ9>_OPX-;(\F0ZXE`#X-/I:)NN,K1XC@9=V8;DO0<CLNL%,WNM(36#NN
MAI5,)O5<[:IR<DN-JJ,V0+353Y@/*D')%5=5&C_E)5QY?V^JZGB7G$A&#B:\
M6']E7K;7QY.?]ZX$TP+-/JT1$<=71#)N=!"4FP(FBR]NM5:KJ`I.#=?A#ES)
MD1F5*$D8[?>O1TMNI>!EAZ/[7"J%8<-)LUT[8<GUC,[AH9BTB1#7"--#P;%A
M0>L6@Y%-'`+\*L)8UM:B3#,6>62KC768W>-O\\1Q]?K-;2?NEZ\[I9<^(0LE
MG;&$!%YZ:P/[6Z78KGW1"=EPN)EIFGO2;QRFBP1R!HZYTW^6F02(AZ`RJ<Q!
M>CJ1U+Q(FT]K]N\\K&<9EI\6L:-;0.I@"]J#P:M7AKQP)7*U3IUZM96T031X
M(R-3600Q_DB.T](F/3$<C1FI#ZVT+3'B<XE4"?V2>OME<L:*?!OUT16/["6(
M/54;52K2L\J'\_RV:GSX7)MR'4Z\Y6Y"78,Q,:T/<=C+CB7FY<9;J7B9BK'^
MQ+.A+P0NJO6NO4YJ4<(FYMR$"!D^U4EJ%J`.K6C.WF;:L6S$L6EYST:A1UP8
MI$:0U)>;8BOM2O$<9<9OW+R0!B-6WZ=#N3U'MXVYRA+(P+`+FU%Z16;C9"%4
M1&&&98TE82_:*0@"?P)<R$5(<91&DN-2&7EI.)SCWE':3^P&`$_NO<SI!S0H
MHNI60@&,L#8$(0)*5S+MXT+^P&')UN'S;=4"L[&71;3`AA$]J0Q*ZKY\4QSJ
M4+]9?Q;VA@Q,>(:J*S#0"Q$'J5:R.P9J^Y31%T#V@WJ%;S*>F1)?M<FG2&1+
M]D:G\5'*O-R(_P`4\6EQ2N-I,>900']C^<!*O45;%6K;3KQ8YD1"1#(ZM1()
M6NS25D@MZ#6D$+V_*(U9E5:D(_`XM=GDN)YV,*?2XUU29<#[3:+!-UA;8..J
MA!3C;E1_K4`W9W@K`2I&SEBJHBY*@U./)L!:P/)$!+!!5+5):;90[(XVVZ\M
M#O&TQ(Q-@/$D>(CQ$>(CQ$>(CQ$>(CQ$\O\`3+E[=V#V0.T6AQ]>HN6S#U0K
M1.QP:C7CD$6!8NV(?R-WHMC.Y4[5AK=BJ%EM;+S3A6S2XO1[LA]@<MF*UU,Q
MQQY]9A?7)[V7N7L3EMJWP=JS!>M97HHTC")YV)KV5A(=BJ7KI*!EHMH'5Z#V
M5H=MLD"P=)#N3Y"8;T9]G\2&RQ#Z^@XQX])!KE.]P<<J.BP,[';09;M=LUZW
MU#@:F`"T;.K)*VKV2M%?&PA@C+;G9K#5;\*A5MIR/+;<^KQ1B4\4&077U>27
M[2?,SE@N/[!W[:$$Q7SU7K8;3)E!EVN1G'34.UN#IL.[U2YD0].SB^FT9S;J
M?>D5PDZV@/%BF:N]UPJ.^?7)#S)A9<OLR<]M&ML9"Y+:R&?9LWC[Y0=9(N46
MC5Q9&Z.Q=28M48H(J697&8D]7>1:G,#-2"PA#ZER6V(AEQQ<1JR#CCSZS7"1
MH7N$(&SBX"O^TC-LNMFRFTP@MK`LW&M5$,*RZBCYM05_$84GDA&A6ADX^42M
M-4X,>B<=(K$294:)*DR^W])%\]I?L1%'96"8J.N&ZYF/:O$83I^6C8LBE6TA
M=.1K^"K0IL&$:M^<U^GC`\T41<406N6N0IHBX\VM,5!Q,J+D>\R&K7K51A:F
M4U89G]'S*.S;*4$"5#:B`@[[7SGKY+K=AS>E7"F`AA,X#DBQ3K0QX2F4VS+=
M*QG6IDA'V^GC$EE+?]J;3IOKS&U0CKMIK@C2:W;:X[#R*<%K3]9<B;Y!LL_;
MSUCR/-3]?NM)ZFN0XO\`X%=8GM2&7H\.:B1+D(LGC!QB9_<-?]DP?L>7H@"R
MZL+#F#LM$:LTW-:U9!<?`PHO`9%ITC.BSU(-FK%L`:5;;;_]RTO%'><:9YT4
MOX0.3$`#$@DBT^YF@'*A5+14M<_K+2:9+..V+/(_XAB'5-@RJ\9_J4J*$H%?
M%UVWO5M,A!X!RPO3?SX$]+HD9'Y#5U'VXFP[1'?;CZ9)<L)#<P>J`=-I+!NX
M5@"^`T>[5.L[A49%QNE2H[V:@;,!J]GI#1%Q@!*KO\HR-2J)]2'/MRY:3QR\
M>DD&%6SVC)U?<)%EAW0K<AN<#"%4&Z93!%,$0?8-W_L]-JH="D0@]:1:,@%I
M'5;^.*./D6G^3'E<)R%]>1&00/$UZHISWS(@1QXU?-'CNP`=2>BLOXNS(;X2
MN%LL("\]OU<.Y#G%TMA',![:2,2,!BB8C\5,5+;I+G52),E/&=#_`+;]XIU)
MA5D77]R$7(NJ"L;:I.5#C76*J/SO30!JVR#)W,ZH&'%S^F"Q!<8%-!!IMB'*
MBMRQC;79"56,+G/M-IO7MWV@/'O9,/J-O+"XD4K8:SEO\Q3),>;6_P`2V:,(
MI]V!V%[,JC2;<,/9W'K1&1&B3K(EDJB0N0Y"5)4/92''C$TZGZA^R@Q7Y\^3
M7[M2HDR56;23?C9Z.D&ZI4[@3C9[(J(*"!SK3[`8L-%/9:2LT[L8$8F?PEZB
M]^WU##2HZ982;M:M:=RK4/U[?<5I)F,JHG2&G/X?0H,^?;]?$`:?,I-/+P+1
M6;-/S[,[V1[8$RIST2&D=(:@M39T)I;G7$Q&/,UOQFT^[%H,"3=I(ZV*K5=N
MU*;A@3N>@QW+G6;?IF8#;BBYRK+DU"M\ANATNR6/C$B$.KOT_CD2U(D-,(6_
M)3QG/[>$_:KFM.R\I$Z<5GT*9_9LA#`J"-+94L5,]>=F"6RZV&X.U0U)YIHF
MXF^010A<Q?'^K@\2)EIDN.>6!C'F5U#Y[>TLS,V,;4K7I5E#5:3<"+\;.'H%
MCU(``E9G$BYQ%:NE(H9\'=#]!_-C2%-AJ^LB:%)?_$8;XAI*/M])9V5/>]L_
M5X59T^^6>+7!6IA@=P=!9W`8A$:>`K%[*BK+7K44R6%2V*CH;H@4R<0/,&R\
M:?+2TCH92NL]0>.,B2+V=TOVJ"[4^&R,%IXZACZO'B6`L)J4"U`I@(B%*&+!
M>Z0](SF4(C:!4GHO(0X;-L,Z:3)<::2#7'>0\^@8QY]9JNCV&]J;`V$AT[3=
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MO/;>_P#M%7;]FX7UUJ=Q*O*&JG2)/`K9C.K1-+2YP=X!;'D4B<FL2*PPS')*
MFD+)76%(DH3&;GK1)1'LQ4#WFL?*W[#2)^@7ZIO[]=AU\IU$IUB`[%D%3#3;
M<N'E6]E39&P5"1G-9EQ256T-@$-B?A(:%J8D(;XF:W*Y([)EX]#B9^N7O]A,
M?CQ,Q#MUA>LF@G:87I8FB0!L[,71TI=XFV(+9K=G%0K1JE$Z=0IM;`28\FRC
MVS%DAN2B<I:^)CV3[94HTA[?V:P3+$5";VY93=:[0JQ'(96MJL7"ED[Q62=L
MK^K'C&34(H`74Z?:K'T1.X.JRILN$WQOLQ:8[,E+]H\>,3<[TL>]EF['=`6R
MK(!:;5JW7J[4:.5J1J"V(CBG%0JH7KEM700->*1RU'8C],0V[!9)D<OQ7W>#
M/\Q.IBV,>/6>AGB8S3J%DGJY;29FQL!S)Q!K9+0+EAUE]-GU45K8>W$';M,'
MTY,]VNU%)JXU!^24F-18@TK,;Z\\MU<GJGDR\_\`"?=FRKUJQ6HU5ZP![00`
M,G:K2Z$,6>TS19T%4N[4FX52GU`4@L=(Q*L!L&<"IL>#&1R%!A#5IXGD=3R'
M$9)E@9=A..YV0!W6EQK$B0,SYBBU-5INM[/,4_/"\P.936:\"NAN<W4QY"0"
M&<=91'8>5P=&:7]/L\3Q(2?>9VSX9D-L*GCMEK,:<4,\*/'9;ADS%ZZDY3AU
M")..MQBD=F*F740K$3ZH2CB>-?<3]'>J7U&3*(FX3ZHUZJ.W$@.M42FMW6GD
MY`LE;==0+5.J.CR(V>5IZE$3"5]SJGZ>9=GA`GX?`$*9(5+C,<:<ZM27+9_6
M3RUY5@D2K8[ZYVA=B_JK4^-'S^F.W2_NQC$?-Q<FTP0=K(QS2I%BK`$<%XZU
M#-R'X;GX;2/BM3:$^),GUE3C_3O+:CN5=OTQ^,Q41[0H3FF:5Z+ISS$"X1W\
MO/0KK:)+]_LU<20A.X4-^D^,'"-3NHXDF],>4GKJ7D<8EL@/6[UKXU(KPBA1
MEQ*_/#P7(<V7;G!K\B,QD=N&L1GBT_L"R0>,9/5W7?LKE1E?QJV'N]ZJ:TMB
M3)D;_P#@WZQK3!8F5FRE(D,/_48@\QKNK%1ZPL(-=*\$`/PI]W?8GQJ=6;Z<
M'AFGDN*$PY[J(_V_BCJ$<C+PK.+YU3;J6T&LA90BSGXAV&=DQSI]R`818K9-
MO$]\@%D$W@S\UFRE)K\5_P"QQV&F=(:94AIU2.HR3(@UZLX.S%EPVJ&PF-.K
MI"IRF_YRR]X[7RLB)*GC^J49ZI*9#\)I75\[QU/Q^G%<YWO.HY&84'Z>>OE?
MCG(D&ED7H]@"S:Q,9*7B^&&XE6FL18B:L#;*6:6BNUP="@LLPX4#D=B&TWSC
M24?57U1R,Z$STL]>YK*65UJTQ^1)I.77W(&H:<.D4E@U*5*+!\^E0;?'DT.N
MSNOR&NCQ*HD-N-+?CMMH8<4WXCD98/\`\>LE;S=>3PJW)%4K^8&V.'$$6.S#
M"X>QA2XX^%L`.S0S#5D#&!!H1&DQWX\MM;;C7/\`\'JD]1DYS("/],/7X.!F
MU<)7+4#KTV)54_Q0C4-.A1X1ZD.U]VJ7X8ZU;^2ANGA>50:A%E9<0;<:AH;=
MDK1U:5)>1F4D^H^#D#`HV8JI6P2`BBL@5#L5VNYT+")V&Y1K]9S;0,K890E1
MVUVF&T^4EJ94]/;1]EY2V%*;4DY&?%>]0<`K,!Z`.II%[LCHSCQ(O=[V=/.,
M`3%`-UN&JPF++--=AU>5EE?;&M??^,*,+;9:XEM;J7$<C+"RW&*'CD8W&H\>
MP,?V4BZ:L,@_<K=;Y1D]*GE"4^PSG[4;,+6?*RBSGY<Q/QD2FVV&W5+1&82V
M@DF8VQ>OF06L_8+0?I[1`[:6>L'9RBQUA4]KK^:2?@IF*48C,?\`-D%=5]6D
M([_]SN<_T=?^ZC)GW<L#S'0KY5M'N8<H?LM'6+DT]$RU6E("MDQ%B%VB(;$U
M:.99KL4ZX5"1/OS.1OOR8S'([JEL=4VI&2!@2$L^GOKW'+1R[5'E)5#E#"D,
M7_;[JJNQ;")D`WHENCUM5AZ#:N2HU:@0GBW&/Y!\=%3#<=5&ZMI2.1EAT/(*
M]G-BMQJM%K8@7;GI,]REDK(3+4X"=,6^Y7BVGJT((O2?XB?<+#='G)J&U_C)
M1&81':90E25HSF55`])O6D,-:'5S/7ZJN&$IP`49J]RO(&R@H-`LMVMU3=`6
M8=9&3@8D,.:*94J7'?1*EQIO8LAQZ*VTRA'(RX;AD&>7Y$!%Q`J/]&UDM3XK
MDTJ9Z_VO'3-*L)>#)?:(-O35SS.>!WW'GE+?ZJ)]/G\77N.(R1*,MGI;E)ZM
M5.KAIETJ\&FV\-8*_(AW_0I)&L`!UKIELETBB$E6^.0H5?>G4`6F&T,=99&(
MC_".UQI;C:TO(S,:'ZDYIH(_$ZF]PH!SC%F3XZ#2*\;M`1!^O&Z'/S_M:*6$
M)8Q9Q\(L.1=3.8DNRT%&UJ3(XI2ON<0&(S]9SSO3K`YXYP*]6[$R"_G;`;B`
M(.C:(.!B&+BB6B[U0$+@VB/#"9Y>/Y![I>N14-!)_P`T_=B]XTSQM'(R&4;T
M1PVMU&57;2,)WTH0FGI<NR%;'<H<N"R7-WHW!&U&.W:I/*(+KLG0R3T".(<B
MLPY[WYD=+,A+2FD%C-@#F,Y_:JE4*5;Q9&X!:-9J7<Z\Y:K'8SIINUY\;AV.
MK'B5AGE73AN=",06W'?S)#[<M'R:?2XRM;:DF3*M9]+_`%OB5T/4QV?NB@`,
M2R`@01=NNT'O0+<+4QSP6;*8L29I(;/@;59FI+4AQSDA!/OW/EUB-UE'(RT"
MF+9R6JULIKX25&"76W*OQY(PZ?%D5W7^>&6EBRCC,`G'*ARD*Q!8DQA41YE#
M+S">I3SGUYU&3(<KU:Q5!6K'AU<+@;!2V0<*N'ZW=KO7S4$4`D6*3'!N$Q-A
MB2YP$@NV3^3X<A3L<BEU'Y"'.L1^M(R98^?9A1LK&3P]"`MU\:3G1",V*U,(
MS$O3(``+5XCOS(RYCC?V05=AQ^)1U*>\9XKO.K4I2D$D^LGWB2/$1XB/$1XB
M/$1XB/$1XB:<W#W2HU1ODZ@\SW5K'+:MS&>ACM>%TY==LU_[8LJK!&J"I1B[
MAYT24')[&(X_*(1X4!2&IW67W>PW.=3+CXS(<0_8EC00<Z4L%/UL+%E5$-H5
M2_(K0"6_?:%9[`/`U2T56.,MDYU3-C0_-(,PIW(1-@:'G/R8S'VVDO(XF0NS
M_L'<%W=U(G&[N1R>MV"YQK!>(K]&GRK13JCF%KT`G?J<,7?A<J!71+-4=?\`
M_-:5++07F.PF%/OI:2EX_P"<VS]DMC5A^*6W1QO]6?L++82OT.'=K%'J50*:
M!>3@RGT*!9K'+6VV$KLFTGHG\A*_]T>%QUSG/JCQ,0,G$H05[Q-6',-1U.K8
M_9;77<^Q'*MG`S`UQS_D+1FM*KDX](K0&3,/LJ#S:FX/=CRGYZ&V'EM+^SU?
M4I2M+Q\X_60F1^QZDYZ#L*]KI%QJUF&W[40`$;#30HT:XUJC:9M5741K\LEI
M78'2==KV.3/Y&/,DPI!,BE*!#$SDJ,A27@3Z>DOB[^X.<T@W?04L0?E2:#0:
M7H,IZ67SNEQ[",OI-@8!BU7FDWJERB[O'7_I(D_:;',R4_A<D*(=3$ZF.)74
M7]A>4RY$&8G/]@8HLR.'(*TV8"I\:H1`Y5[+8+IF1%5>57#\$47VBNQ)"4"E
MR%.2I"V&WF(4IUM+P/\`.?8_WQJ5RRNJZEF6?6^UB[+L(?(I<9PK0&9%;_G*
M2G0(UUD2(-UGUZPAXE:FPGGX$`FHBT^^Y#>0Q,C2&6T<?.#(36?=+"HM@>T,
MEBEM#EB=:&L7OV"AY[0!(F>$&2JQ7R$R5.;O!/4)-6%VXZ-@,PWHTM]OKG'$
M(<CQ7I"$<3-@<^]OLMT3&Y^XC8MB&TT-<PU+/?G?UDA("2#9BJ#F3DLC6+-8
M:M+K@V!<X1$A)AD9/8,1,A#J4RHST9".)!Q*=:_9?Z[ONT!A$*_M2;\J!]B$
M0$UL21`-2[I_19G#`TI;(DZ<3"%I@Z1*&"FR17^-+1I;,9YKDCK".)EH73W*
MSJE:N0QEZMV^Q7:-(JL2!#J<S/#*"4FSV&H5QU,AE-]8(U-%=D7D?)F_SL<6
MM<'KK\1$E#7^Y(%R,R-4SWTRK2,U7I6>U/0[G'DZ33LPK];!-41\U9C>A!P]
MAII$<0>O;%0@""((XQ(E\(%(4\2I+S$Z-'DM*9\2E2#@S#/>_P!2R;=;<HF5
M:C<FKE8J17JE-5RCUD=9)1^X9/5+FP-?/7&/*C$LT5L`Y<UF<Q"9GOL2F8+[
M_([SJ$<3)O<_<RETN]GL_E9QK1<F,NPC,@1(,)IRPUYT4LQET[E2J\@G>!DM
MM^",UP9)?FDV!PSC<:>E$E;D3K:T<?&96X+]DN)6GA-^JU/4+,+!,V`]8#8$
M?1R@H#G=9<`H+:25>B7UUY@,PBP-N=$I;7:D-M+ZX*1U3/'4<3,H5_8?BX9V
M\IEU^\2(V<S+FBWEP\G,SE>$B:=`K\GA]ZQ"M(E!?P[$1M4`;#C\?_D&2#_Q
MG1X;+;CR4<3.>D>[(S7+[CE>S&BVI^JV^]6.DZ%<34>KO@JM8@N2Z7?TT<<3
M`7<CPK9/R:?#?X3@,$ZU+&R>=C3W''6^I05QZS,91[K5[1B-$"&<MT2AE+I/
MC`94DF_2CE;JMJ-QKT8IU7,&:_:IDR02MM7H$H@R[$A/PXG),5B4\S(D(;Z@
MK,=+_8%B@L-6;(=@V0"!L=XM]'=?)D<[2>K<BFEH8(@5L]"C7V3H8V(LK.;0
M[%2)=*#$=XX1BPTJ;ZM'$R.:1[PE`53-SZWC.C!+8,H';_""7T=0W(I9D_0M
MCMU!KWY8#6NLB3AQC)I,^5Q]Q3<"$C\>1UF9(:2V@+]9BF_<NF+S>Y"MII1"
M_P`6EPV`.TS$U;/*[1!):RZ`2RFE4JT";QJI,-++7RY"7HWW8TN:!B-]3*GR
M8$-Q#G4O'SXG/!WS'`]BP*\YMAHHI'U/&"(W,1]0HE%#ZYV3!M%4'!\V"&YI
MT%40=/$AY9B7,;Z50(X@?QV-(=0IOCZ3!\@R4A_V!9?9'1C5;SW7C/+9)A"L
MT<;#TP<C3;$]S-UE0%;28O0]T3)K3.JBUSI!Q(F'SC4SC+SRHJT]1Q,^;3^P
M#+*[6LVO,>N64K3;;4+'=[_+Y/J8VQ8L'#92K5QD.]U>=8$2'3]A&_"(U%A/
MOI9?5U;CO&N<7U'$YQ(L9_8)C-EI)J5*QK5[Y478!03;!T8'E5D`R%0JQL%G
MN-<=7*TI5=MT0/3L2L$N0_!=G"2#'XK<.1+<FM-]1Q(,MPG[?5,%0`=O;RO6
M94B=<;O0WZ"+%T95KKDS-:G:KO:)9/CE[C5/^)AU&G2),?\`#)RG9+CL>,VW
MV2YUI".,I0C^S+*#X2]]QJH7?3[*`&V^354"TTA%>/MU:KZ>=?L)*=-OPN16
M:[&EY.38=C%$CS;R%178\)QB8P\I^LO`R64;WA&.!,W#6W/M/+7JYK%U09/"
MUZBC@5YOHHM6JGJ;5<8[IQ-H('S2VV1MDDZ0E-,N--/.#G2+;*G.I.,YZY^P
M3.K`*D&'\QUFIP5U;EI!2[PYDM6'6-J15<UO8P5#+$-6X*$E"=,UL)/1PF]!
M80IYV(MU,YKL7J.,_!/[#LD/L#I82B:V1B61%:&T60@-36$WV]VH#DUA&9O7
MD2;TR['LB8.T!DNS"*8(!#B)?_W1ZB,I:D<3+9QOVOSO:]&O^65T;8A5NS9N
M2FR1B[M3F1F2(<]*J5L#==JUIL;XXG5+;!>@/((-0D3^M]DCE387_D^)"I`S
M-GO$D\@M#]$M1*$M8L0@QG.<L&;)O5N>LV>IO9:^:5"TXW>;*`?OP$36X,V9
M9<V@G$BQL>#+*.R6)\OD5<57VV7DS#"2S*O6LOJ&!(%E<MHN4LI]I;KLM,HA
M"N'8@"K5],8V#`S:L!M5,JUDK,J1+EJFQ>2`@5YM#JEHC,)6A/9!.#_*16P_
MKXT]%2(C*P3R&68N<&ZC-5Z:CNMKT&.:NK5BI<J:?/9UH;3)2B166^19;X>;
M)BL)?B0%PNR_SH[$<A,I%]`KX%Y5CJ$X]>S,0X:L6K5.WOV.)6-]>=N(TK51
M>BFE5BQSB#%,%=DS!CL^`4:B%8\="8_6'7G$6.4ZJ?1+<Y-ZKADA:LM2%KJC
M"8LZ`[.CF_Z^9O<J]=I$]*,Y;/V*$+-O?EQI<RP_@,<2RPP(86PJ:\CD,3/^
MQ_HWIFQ:O;KK79.5P6#!Q%F@W0U,*)T>4#1G^;T^5@DUB30K578N4GB%&G3)
MCTCI:+]3S_%!7^\D?FH#`"8T;Z$7`8!*5!0NB%@I-(:3_:2.FV>+K4:K,8I*
MS"?Z_-WT)DPQ<;.Q!V0X4#$X,>#%B<D*1_7T+:^X^CEF8>-Z&;M(DUXE8;-D
M!,HE-9A,R8+90!&QN2`9PAN-HV3AZ]20U<5H$(5DDH7\8<"KPI/)B9#?X4=V
M4+6CD)*:GZ.:-E%CR2S9;$QV,2SQBHNRFB9`K%K+TV)E5/IFF/HJSN<V1+UI
MTHY3X[C=LB2Q-@%M\4ZZL@U(FC9*"V?6>J*/G\$_<XGCGQ3\^([U2.+^G/EQ
M*E)2I2>*_P!.]YSO>?\`IXF$^O$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB:51O5>A6OV3L6XE
M",4C&KQ#K42C#A=\`PXFCJ?QFW*NQMXE?)]0.'8CF7@5M2PH,2F2E'VI[LY;
M'T2F62!B3Z!Z?>N0_P##XC-HTM(RP1[('07L-N-M@I<&LW6GBQ8!HN?FM@ZD
M%KFCG(\`'%XR&@?R;SD>*V[U*TI.1F$_^./JT".5G./Z:S%GF<B+4JM5)1^]
M/"7LPH5.%Y$:98AJ-.AF)L&DZ!##OSG.I+3(K[7U>=['XMI+EO6746S#.IPD
M%#L@2.8#4NT$M`#HM)4H;AB[%*;LBI)>0X=(S$R8T!FTSOQ6)77(8Y"F_P`=
MMGD:-]E)DR#!_7+!OX*[QJ[5H[=5V&K2PEI@`;59FJS8*X?+VJTK?#PQQ](H
M,[((7PB]&G"DQ9#+,E#;#J&68Z&D9.?U$XYOJOA\[HJ0JJE81@'+G$`]I#WJ
M_`[H-(%K);K::(0[F'L\&T,3CQV_&G9[J9?%S6B<AA[JV%];\1R,B%ARSUKW
M\U3=+--V2UF"#Y:OYS8H=SUT&NK$JF37)L,NC\$'1#.<&I$ZC<:G$X2!T@HW
M#2PX\^VYQ#B7)'B38=ZMX&*"#JW#S<5P$*C#H4(9(GG9T9,046SPY!C2$SBL
ME4YALIE-?=6E_KG'?XY*'/DAQ]+J3)F+L>.X)2,G'4ZU]+P<XI!+EQ`,G-&T
M0H4!/TH,0.-1*T8F6B;;^"P55#2TH#0WU1?XII]CD=4?KJ.HR<_K.^(];_7U
MZNP(@S/`\BM2Q\5R)"?D&Y$&4,DG@%T9:D1)Y!S[\5\W7X,E;+R>I7]G[:T]
M;4MM2,F?@OUES4?5KYGLYZ[VK,M!SV'EY3.KMH-SN5>'4YEJV12`\%+L9LE9
M!CIH?;5Q7W43_N-Q8,)N/UE,9'B,GU]Y'WL-];*3?J@J$`=I=_N5ZL=PK<FJ
M62_5PA8;-%IE4CVV+/EULU$CRJW/J69B/S@\Y7\-.4,96N,Y(_W*1DR12/6[
M!Q]V)ZY.JR8]D25F7&65(6ZVIKH@PN76#)JQP:W*L7].KTLI,HPJ23D1H;'9
MJQ[:Y/7/HKO49/I.Y6<AQ2K5ZC4<.VEVO#[(.O69`2]^LUC9&D*S!9>#<H+9
MZR$WHE7K0OB.Q!8_O!$*-WGVXZ$=_P`H))\R,QO3GUV@O.OCJ),&+[$`Q8"1
MEXT`>S7W:X1HQ8>6J<>):6F*E89!+,J^].(C4Q9Q1P3'[,=?^BODCD9TFO6/
M':]H.E[?>7NER]FOPG2V"%DL9T96,_D5\!DHJ&^+$/61-2'D>$,?&2I)9,2-
M+E-)3$?6Y'2I#B7D<8F**^DV,$K-1R/(]FC4ZE,Z/]G-TWK0W:G,=T0I0"LL
M6W`7<>0AN?Q'Z+_R5-J/VMR_S%?<A\XTA/4<C,[#]1_6JJ!+2PND-L`C-7)U
MX^]8+O=R<4=3%P!49P,-FG[3+Y4:[7QE=A)'M#UPV`[<-M43['4?+Q)R,DH'
MUPQL9<ZMJ(\4>*7"MQF7@EE+Z1HEH_,EJJI:F,V@O'-VPD)M=L<I9Z2,2:(,
MRR?1SB6.2/M-M)0C)QB5R6R[U(P.P0]&L:QU&(T:J:'J;$VR7ZZ.`1-5H;1F
M;<KO)`%[',K;[.<BM5FQXDIZ*XZ#&%E18?68WP:0ERQD/@XSZ36?2[BF.R]<
M-)#PP>FZ.J5?]:M4LZ(D(K%EIRM`<EV0@-OP05##B9`4(2Z0C#XJ&>Q8K3;O
M_(C+8_26%GN$^L=GJ$N#4@,VSUJ%(?IDA=CM6DFY\)-3$W>EMUA,ZY'9)Z,-
MK0/0S(Z+&2YQB+'F=0USGVFOMI"3[SH6?"?5)^Z1ZX4&?Q]QT"85%20U:O.A
M!'["6:F']GCR;-%JEDAQ4G*T560L%>G$>-R@TQ2WA3L=U7/JC)EJVWU\RR\C
MZ["M0@\5EU(3'#UNS]OE]AWH,S&("2K<^#?A]FB7-H\N>$CK=)?G=GO)^XVX
M\II]Y#B`2)6]W]0,L)TB'6L\K-6H9JON-O4DX]&O,R-3Y'9V>RI4T+'IVCYU
M8QI)367A4,28)B&]'[#Y_E3;LEI]*&/O)#`]5\H<R')<=N`N5=060TB+1PDR
M<3,B)9`?V@R<Y-**<!E(/9L<]7ISW'HSZWF4O*;>3S[[#+J$F3G,6_$\`K%'
MM!^_AYQ"LURKFS5PLEMM=^N!QRO!\XO]+-$3)PD<,6DV]&SF^'H75*=?D=8E
M]^'U<;8ZV@$Y\2-[/Z]8F>J8P[;G2-8S7.[+?MLNL8&9N0=9]HSE]TJ=L<(%
MZP=&V:,,D5^RR'9D2.IQJ:PVJ,MA27>\XE!/MZS,4C#O7*R`21&G`'"51)V'
M2HK8?^QWE-3!FB+UVSG3X=1J)$RV%I<8M-*FX\UH3$AQI,AY<A/%+^V[Q)D_
MSF?$^KV&!+4BYCJ1]H['(-%AJWK';)@L"32]!E39]:K\T[(`5F4?FBXLDLN!
M&C]+RHS3\W[[J$KXC)G1(^IGK\3#A@CV?HBQ*VL"_6Y`JRV\,7KDVK`\_KE:
M*`3HFP0S0@P"#Y97VHLMA]$EI0U#G%_<6ZMQ'(SIM^GGKDS6(508SAJ,%&.(
MDB_Q[/=&#`HDR%HX"(<%V1NQIL8ZQCQV;`^Q23,I$^-)&M26G42.K=4CD9),
M[IV29A>K-3*5+L$.W'P<*_V"ND[CH5E'O1)Q6>*D7%F#9C1:N03]F.Q7W"TN
M+QH@5F_*5-Z\ZOKJD')$O3Q)'B(\1'B)U8TZ%,7,:B3(LIP?*_!GMQI#3ZX,
MWD>/+[#F(:6I4:5^++:=^VOXK^VZA7T^BN=ZF"V(Y(1@2IP<'.#@'!^AP0<'
MV(/O.M"-""4TP-'DX,TA7ID<>=A193+\H/.F#81F+#),-K4Y#DR!)*/)0ASB
M5*8>0OG/BKG>LS%+Z;7>JME:RM@'`()4E0P##V)5@PS[$'WF3\3UCQ$Q84V'
ML8U@P`*0#(J4J2B,2&2F9L)]<.4]"E):DQUN-.*CS(SC2^<[WXN(4GO^>=\9
MSZ3RHOIV:A=KNKTG.&4@@X)!\CZ$$']1$4V'FE"H.&4@23`-L<\9%L2F79XM
MHLW(=%N3XJ%]>BH(-175,]7SG'.-JZGZ_3OB%OI>UZ$=3=6`64$97EGCD>HS
M@XSZXF4\3UCQ$>(CZ\[_`*=^O_I_^?G^O/\`\WB(\1'B(\1'B(\1'B(\1'B(
M\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1//NR>H]O
ML>]6/89I2LS/M:+0;=G3LPK85EJ@-#VWU\(71F`SR"J"*G6&JYB<']_'5WC[
M)/\`'<5QB5+YXF7+QB=+VN]6-1VN^DC]*FU&%PKG(&K5ZZFK/9`UJR<B!>U%
M^UQ*B.#`2#4T;MHZ[CA!I],Z"Y'A#/N.-S>MQ&FT`@>LUVT3]>.F%[.2?I0[
M*@U=')GICD(]EFP[-HM#G6?U]-#L&/B3^77>G`Z+4Q>2SXD1R9'/PW^KA]7`
M;Y)(JXE#3<W#_5UW.,=U_.K"_!.%M4<.0IYTV4EW,N5KLK/P]$`0+N=GAP2[
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MX,5%^45MH8G=(Q5R3R`/40[$<ZGL9QQ'$IB#@YFKY3]>=U:N\90V=$:R4:,L
M4"HT:AZ5)RZ307BE-$P"[P`NYE-W,#&=),)G,&>!9H5_J%-OR')_'GH[29<A
M_.6?ZP^I&O9CLP[3M0-`)O(&?,5D%'H)H`!`UD.P#`5J+FL^G"\>KBCHN(D"
MDXJ6/*A07;!,F28X"*IWBNI"P(P)'-(]&KQHFGZE8786=HIARP7J]4Y%G.D+
M%<T:E8\?O-""W/\`GX-'"SP=?K94T)?#BY,HW*KCT>8\.F-LJAPV4!O'ZR-L
M_KZT&QFCK5^>S0A79G]Z;,=>,6BQ+URUV&O>PT,!LV@@"`"$,8N(=>N"878B
MW27VF1BUMRNMQ!C+:.0'I)3J/H_H=VS'&@E?GU0-;J)FMLHHV&0)!T`\059L
M:%T.3`QLX%RF,6DUHH4KZ(T[^3C.RNQ";KR/JAA(]Q`8`_I(;*_7(>-TBPBB
M#5526*#R#=<8L=MG'Y--0O#MOJ=9KL$S5J#0@D.OTC6--@E1$<4%'11<:`RY
M&9Y)@Q.^(Y39NP^JL\EZG;KZYMCJ.0A7DOK$NA5<BJ7_`$<:"M%OG6RG5B>A
MX1.4'@PG76T.\8ARFH;G>K:0[Q/.*2<O.9K`6](]P.VS6KM:C&=U0:;:MQVN
M1:(^9E_PUJ:H7LI6J'>A]/IV:U27)L],@ZI6FVW)$D\;E30;LAF4GK8V.VEY
M"51GWI7>MJ?/6Y^CB\PRP\]JP&F92HP;!5RE(+5F:!_G1];T+#XEW,Y_J,@A
MV*8&LM4IQ^-!;6IN=%<:YQ+RQ_&;[>KN(ZGBMPNO9-0S.LYO=X5,ERA(>WOV
M6T@;57:JL002#*-9=3ERLZ6AN%$%!)\F0H'^/*7$>1#D,0(R8D@_QD[]H<`+
M;MS)&!$FOQH5;TB%W2HU@5.XU9L1-PWV-*H\!$&)*^_.M*H(U'$/]:CJ:97\
MU\[\>=2`XFF%9_7SIX\8)-6&P9X5U@$+%B0]]C3K*U.%1PNSP%QG!<U09N;`
M>)^M=6#U^<I'/J_+3)C][V(YUQ:9<A_*3+'_`$HU*B[OFVDW"V1SH.HC9#D=
MNNW%(YRMG/CI31GCT`UF98Y:PNAQ[S#Z28B':^A4H1'>EHG_`(\5+2"P(P)D
M-S]&2&K;/I5_CUO+5Q+C"8/#K$5?(1K/R["O7S2L>JO2,>!77E\[4;#8AQ:"
M13.==C<^:F6&Y$9E;B`V!*G9_7?K\ONAO%-"C.6D](W":)O,RX.RF9=KO59T
M\;FFG-5D/F==E`[Q3^Z(W`F3"1*RS4Q8$?\`$DI:A0V4HY#^4VQ#>OMYK/I_
M-Q.L0:^U:9\N?*?K%S.UFW52,%L&D=L]MIH<I&QP%3!T"159<V&#0JE.B0TA
MV.ER#*CQU)=29RV9J!%_75K7:K1HIRR!9IH9;JRJV<K=]<%EW:A7\DJU#J#@
M*ZV7'[3&@E\ELPXB0#)A@12T\(.2(<@=*^*.S$RY";<^VOKE=-P*QW@8BAVT
M1.Q;9LK9'7XZ7"IS6X:,+'Q`>OU)D?6K-&*FQ\:&^.DH[R!.9BR.*B2T)7):
M>LQ4XFMFB>A^PDSS07/I&45O,Q,W4':1%BSI(0C2P.B`-"#FZ?\`81G)XO-K
MEA>M0YW@\::"C(BF)SLI@BX[%2TEY#^<X2/Z^].-:#:#-@LP@M7+!TJH7&BV
M]X1`"@RVLV^V63/S(=&:RK/8*S<`5IX0>:C6,=`X=:XJ1"D_CQY"I'/Q*AT/
MU%UF3H7_`$_3H(UHR7DWXO6=5',:4,'9%CK]2V476<(2:GYM.SGF=6!^Q#(K
ML6*0(/0)$][G`DAF&A]5E##&9O'ZO>M-YQ#29YUZ**A4LQE0L`68-7(7H=P8
MMD`S%F@@5.)B\BS"/2<UJ09^?"4&B]4&>7^"]!'CW&YRYB8DY$U[L/HAM-_T
M74[->)N4N@+<:MYL>)&$)L`66L;E.]EJYGUV(5L'GM?0/L(#FKUCKTH@0L17
MDT*_+;F\^P.90F7(8\38/U>]9-`Q[8='OUT8H4M5EJCM<DWH$?L):]:D4?UC
M0M"BV>^P2M=%PA,@'7KC$#L(;FD7._B+2E;<1N*TA,2<B;]>)C'B(\1,2?-C
MZR"-60NZXR*KXDD;)O-,NR76AXJ&]/FNMQV$K??<;C1U=XA">J5WGTYSO>^/
M3S/'8OKU==]FXXIK1F;QGPH)/@>3X'H)XPUFS;/ED<V1N=,L^(#_`&?<HFM:
M5?!!P4?)5Z4YJ8Z'M=E3P9#G?T:</R#0JX)1*F-_>%B:V]+3\5#UN(UP67U&
M,^?^/G_A/Q;6V>[ZI7LW*;=%.U-6Q=:K*[(?G4;+^`?B(U[J:PS#*5TL_CX\
MC/6.Z7RKV7VF=H5^N<6A$\[8*X)I=:4S<96D:E`]:,_3+FV>WD8!9LL2KM1A
M,%*TWQMZ$=F))N25O/0&6.TD@G'ICQ^OC_&)[[6[OZFWVQT-B]=!M8-JW)_<
M-UXTJLE["&Y,E8#TC!6UOE+%C6JR0ZK=]`SN1=Z83VG6J]6J4YO,G)[1(FMS
MK3==="4K"K3D^;$S3H!]Z]M3"EXL:AH%SB^G4L_B]X^F!QOAB1X)./;^/CQ-
MGM=[L>N>_2LW=NO5H_='7<G-ENPM6J]%+-P/RY:V[A4<_+CC]PKQ.I+U[V;A
MZ0NDSCUQAHBW-[UM*K9KZ)42/?/8*P)V.C:5")-AW4/0,9QF*R&3(XXN&F1-
M6F1\WT\^-RV<><>G^?G_`(">;]Q^4)V7[&RRY0MYTV^S(%NV_P"XJN#<?(UM
M8"O.>.6/++>D$JMYWL`>"U^AVD;5)%:IQ4_F&<6FUD`W_;/2E@WB5<`X/.5T
M2>UI%I4;@#6VW%'![@3D.*YUM#$UU4W'+9P/'T'U]?::.IO?D&O<E'7VK4:J
M6>BEW*_/R?:-BK3\1^9RP0`_*AKXH<!7)?@J5Y&1CU@+Q?8G7G\NMA/(F]0V
MKLF1RR!;#$PC1CHRH1[.S5^<'0)&D(95*A(CJY%,J0!4E"'_`./\`CUR>.?7
M_'Z__*8ZF]6NQ9<G8[AZNYM?Y]G)YJXU+G6L.*_M!NP64#[;,48`;XYPA]I]
MC#]:,G>;(\%M@_UB&V6OARUB["N%^JY7TJ'W=G0Z9C7,N<"F;BU[`39$Y\[P
MSU$-(N0*<AI1\6G7)OKYQ_\`#Z?QF-/=?DNSJOL?O2FVO5JZ*SXLM1NM%HMK
MU_@XM;^[+,;?DPOQM44`P#8E[.[_`)0O7Y%(TS9+I,#%-SH]7'W"6U88P^O5
M[%\[T,;88G(U/ENS[,%M!8Q*A3U19[RVU_QZ6)+#$>*BDLN<$^__`(3H[^Q^
M0]2=QM':W;W1]JI!8>8")K4W!QBLY=7:QE?BQ(_M\6550</+-M/:P[8@V]';
M6'H=)N]^H4G,[VK3JY8GH>MTJ'7@-^O4RA5V=I$ZO"I)0;)C*C--OP9"?O\`
MWI<=$I`$XSG(`_\`C!V>\_;G8JW[+:=>BVZHT6_,CD;%01+;34AN**70KQ`*
M$<N3J&&7HEL[G.D44.QK5LLPV3[2^Q5/LF.=TJ7S1$6FX[^09J=TY7Y4)^=<
M\[KE1GM32X5;\2./%DE'6^O_`$2CP#Q(&?\`4?&?U_Q_XSVT-P];V=%*[=MM
M1[7;K?7^8_,++-LBNW@0394E9#65Y4*CF\<O2>N?GO/UZ/$1XB/$1XB/$1XB
M/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB>;^E^
MZ%Q!:L7Q*FC\UY?4ZO!H`V-99AF=+&5TN<]5`HV\G:R(GCRKXY?=^)+;2EV*
MS,6+9;0^CY/N(DSX^,^W_P!93)3]A>NII_3PX!C<2S/6&BT%B@%B:X)R$6.Y
M1S2Y6JFIUMT//Q`O)+>=;[5@2GW6?MD9+3SD^5(2H6JQQ$SQ/W1VT+/_`+-;
MR6-T.MV$!JXZET*2!F'S[=TJ'LK7<(`J,V\GJE!JQ>)&Y,<>*/-R!(>,F4TZ
MN<AGB7G$<1^O^!,1GGO)LEX_`-UZKTJ"'L#&2V$]&/3K/:9D65L*/6^DBQU'
M4.FC1<$)7CVN/DWD+7+3,;A*9;4A<M4J.@J!ZR981[OW\]GUAFZDW3)Q'+?5
MJN;_`*#HM.KM@56R<:^4>L&<]F"JS'-$5][-LX6^#RT1F?W[#]8Y\%QTO*XT
M@J,^/K*,'>_FZC.Z'L+E<JURJX.L1*@0ST)+E2N3[M4C'N@TW;J)/K]SNM/"
MBS[6-#.EV$$CW%LJ[]HASD5"GTO$>G^/:3(S^Q_2:ZBL09U9S&;89U>MO3\2
M.4#?Q$5QF-JY>C:C"+US7;NY+S^36<WX0.CQD<VV$:7):E'&)3*([J3A+YI?
MM'/J/JW>=GL5RI6IS\VU?3BND3:D2ED1\?'H/LI?J;*L]3'(*&2L0*&I%>F/
MAVGY$J.X@0[';??2UUWQ)C+8_P`>DJ&D^_F\6N^Y1GTO&Z4'-E[+_1-0:D6:
M(/AQ-`I%DS:K;94J84MUKJ/YDJH_]C_R@[[$8U.),#%14P?E)_*BI2H'F2FQ
M>]E_3N-URJB5VDVP?7K1.@Q7WHD^-9&85&@Z^[H%8=KXJYFSTRT&"N5*A`)D
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M-@Z=5HUPG,V.X+KGM2[7M3SE;-E7#B4^"[@L/J8BI9%YR9-DI;G_``B-+E)0
MHS(9>_<;5,FCP:I`E#IO<=MIB5+K!*V7$EIN^MU^)[&(<&T>=8310F[2@TC)
M(O\`*-$.F9*42E=<F-KC-JF)0H/F3BQ>\'L_VB6@N/KV,!9,*AV;@4_#2_=$
M%+1*I/M';:7?1\:GZ/;:E&JS<7!1_9011DG,Z\3?:<F,]C)3(2!1F6QLWM-K
M&<VV##I#=`MLF;@E/T\R9*2;-*HQ2*&SOV4T<\JC!`99Q(Z1;G<NB18TU<^8
MAN+,;=<3*_%;;D)`H(\_6=_<?=NXY5HUG`#@F>2PM;D5T6[5S!(K'T1P87R^
M1JA7:G>LS&1\;':PW$=`2WNQ.I04;<=7.;^WR*XE"@S*53W1+V0/[.7]]=`B
M9;B8L\W4K("C&[>]9R4?3]7I`2Q27XAP6$EU-\91(#R_L26&G')CSJYL6(UQ
MWJ./H/<S4.O>]VK%SE^GD2M+(,6&%!KG,XKEHE-7`"1JH+=FBVJ9_*`6>Y@(
M&;DB.1L\F_BR#3?'R*O@6<Y'9_-2\1B3<1[;Z_F[B;`6LU?+Y_3X6IVG3H%X
M:-%[G9JMG$3%+59Y^>3VC0Y@45IF96RP%>#40R/Y_!;BU_#G>J:DG$?SEPW[
MVNVBGG,J?)E,8H@W2\4S2QSA%[@FDPJ'<;[HT`(6MQH]RU`7Y],I($K$@2X7
M$1?D8FQ?N3HS3Z?+``/UD#V/W5TK^E8<?#QJI2)5DJ'KMM!:G.E3J+[L"K3K
M$*"<R_$E-J@](1TB0"E$E28,]R0(/Q>+9B_+KBI`42(UWW+W*P2`6ES@8B1U
M=3'G(=2K%NB2*+8:^&J?L%?SQ]N%4;=H+$<^]7ZDL7P?)*./J(BXTIYIA*VX
MB++Q$EXGW\VR[VR2,I6<YU"KA@CE<2HE[47XB>W6MNN^1MYKI1"N1KK#O%@K
MY6A:NEN1%@A&8L4V.<XX5XA:XT9)Q`]99FF^X.J5[:K%DM.%Y0_/3H55RP$&
ML:[,[;@3Q]G%9W=EN`P23:5(RR:K5)`J&Q':C+64B1^?R"^R7F(B.(QDRN]`
M]P=3J1[`;U]^E]?L>1Z.JUX\J8>9=U2U@-\QG-%P<:'+GM/=N[T<W.D#&YO"
M3C3,A,5;:TNO3&4!1Y$JJX>ZGL!H57B,U.[8I6NDJ\R1;)U)NSR6R5L.MX3:
M@&<CSZK0W.A7/-H]P)1K3%99?>(#%<>Y%'.?-J.]I>('UFT5X]P]%I=2SPA,
M&Y>Q8)L[?XUF05>L`T=H1;`-E$9'_P!=Y!!<)JGQ-$UO^1>)A(TIXLN,F&MC
MK$WGSDLIC@34NK>]FL5&BYXB>3J>MF15-KRY%VK=B(/`Q,Z]'`]/DCML@FK.
M+'D[ME*.=-'/O&`+"8LQKBNCT*[)5)EQ&9;CWN9NMG$CI<LMA>23QE[H5.O6
M<SY;EKO,D19<FY=9-N"VP)H;5<%U:]'"T8?5YT-DLS]]*.<FRY#BXC5DXB8-
MW]A.RCA=/K@'+ZN3L<296:C:B-CLC,`5VUV//[%L5&K7+)<K710[96_9%#!O
M]GR)JUQ"!I;G(<S\?\1U'`3>WUE]@E;1"O(FTSZ7`TJD7JR@3E+J1*$6BA0L
M-0N6"?A6"#9;'`O45P.;AJDEX?X+3<Q]4.1!@3([\9"8D8_A-I?$D>(CQ$>(
MCQ$>(CQ$>(CQ$@>AT"-HP-L%+M%YJ;*)?Y+D^@6LC4#$EI<27!D#Y!(;WDA4
M&3'F*^O$]2XVZE#K2VW6T+3",C'F:'8]>G8T?`]M]2YSFJPUL<@@@LOG!!_B
M#@@@@&26O@0]5`A*Q7H#(H!6Q`T"#&1OG^.-#B(;`\;`C_<4XY]F'"C(;3\E
M=[\4\^O>]\H&!@>DV=?7IU->O5UU":]2*BJ/154`*!^@``F7\3VCQ$>(CQ$>
M(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>
M(CQ$>(CQ$T_LWM9GE/T>P#[%230NB5VWMY=:]ZD\JR*B'T6#0>:DU7"<7I?^
MZ*"#ZY)0UTMR"J`R8?3$YWY?<<0F6#B61.UO$2EDM=)A$JO:[[6JB?*G:E'@
M(G$HX&J$5MRX962N`]"'0T'V>M--R7$H7)0OK:5=;7U*3!_E(30O:GUKU:AU
M^Y]M]-B1RE9'F2`:P\0Q,KC%C70&I,0DR6'PG&X,DEI`%M,KK2(D]!&-(:4X
MRXASQ&"(E>X'KB(;@%BMXKXBJ'0M?-5:Q28\]IRR,%G=`DHE#Z]P3RPIKT(+
ME\\J@RN/P4^,C.RVG^QX[CJ4O$SK@-D]4*Y?+QT-?P';I<+$+J-EB<D'B3:U
MU(=8(C,(1"5&D"AU!K3HPXX0GP4H`PRO\FJ9(1+[*\1AC)M-WK&Z[G])TUHR
M#&9;:'9K8RU3F%U:!'$B*K:[&P0&""\`>7+LRXE;=1"8AQENRF7TO1TN,]^2
MDF#G'O(Y:-^Q3.;[D5)L,496(&M4&R&Z;9"`*0&@Q8\"T9I7HU8)CWPC,NM-
M'R&J1?JHA^#&8D_1A[G'WVT^(P2)C`GL5Z@#YI(^`N]"@S;2S*&G24`3-C.2
M@69@6"_2E@=0)1P;0*[6[2Q*BF)GV0:XA5AV/(6B8TIU+Q;TGP7]S?4:$@'(
M-:A6$/3.RC@J)*KMC>,P9L&98A#RY8?M=<,5ZP_E5HJTW&E,QI[J84GK;:D-
MN=XDXF9F+[2^NT.Q3Q!J\T>MV1]ZP%%N*(P9L:6"K?\`;(D:T%K,,8>""FR8
MF@%5Q&YTIJ0ML;(:;XI3"TI2X,Q![VGR(-G]/N&;H'7(3=MRK&,0HL(>?KD4
M5>K'8$M'5V:,U3R9JOD:\PB1+D(E#6UKE(0TXMGKOWD("G/F9C_L;UQW&,:R
M$79F"!'20MS2>K(./:*;<)H<0H8)N;AIR/`"6*M\>9)0XZWY2HCLJ/,8ZRI:
M'FE*1@CS(AFON3ZPZ#G>6W!5HK=><LL*KL"*F1@3GRM1,6.L5^6P*ZU_",N0
MQ346VPA[1E#30>8Y-898D+[)90M!4@SXI/O)ZFVH5Q\1;W``B")SI]GEESZX
MU"(T.T2O&;#5V(C!FM04]B#ZV(FRB*VT_BAX3+K\I;,?BG/$<6DCNGM;A%2"
MY]HCA8<9I-GU&V9+_?AXPE+B5HQ7J?H5NLLACD4),)E1[$_,WX,MR$A4=MWY
M/.N\:C.J2@`^DR1'V,Q>OG0=)KSPXHZNP10QB*'&2842O`"-`TB_0K>,:_B$
MQK=7)K%#G1$/!^RFERWU-_/[G%-]1@S\B^V/JW]^$*3J-.'N\JI`_P`B$8D\
M(V#KH%FZ-SXYWA,7"9J<L>QGUA1T:0[$F\X&GIXQ_P",_P`0DP8D>T_K(MZ0
M^0O8-DCRKPY;T4K6;%$/OA3I()`B5YL20KS)N6;(3K(+5_`(9644@G">5$^W
M+CK<1@SASOV:QFX8,,VF9('U.D$@U7[.'/PI)'\=-TCC.U$!#AC1/7K).L44
M_"1#AP8S[S[DQ#"6NN]ZWQ&"#CWF4D^Q_K&'`#[BO1J`T"?B1AH@M`2B7^3%
M)PZ(2B!Q38Z%(F25SH^@U[J(;"%+<<(QD<;ZYWB>(P9QZY=?7D_P_B>C6&/^
M>6I\P^:JHE%ECV"55GH,QTF-CR:M$_E>$K#7(<U#@F,[PJ1$<E_!AR-Q[O$`
M'U$P1GV[]24,1^&M/IDB.^.&,)1($E"#3`ZTU^=:FH$U"0DA(U*JM6Y)(C%D
M<:5`@#W9$U#+3"UH2\6G:3[7^NG\G+@6J\TT%:*G%N925#E2V#/`(BKD[>/E
MR^6$9%EAH9`L-H)&6T.1)X0=9@R$I97V*]\$F#)EF.WX3I4]X!EMF!GYL$:1
M/$X`0&3BI!-M60U62;%B^Z(B1ZW8?[*+(QW1L[L<FIV/(5UCJ4.*X@@^\KX%
M[C>HMF5-,`=4IY-X,`8FJGQPYG\MT(Y*K+HN&$<<!HE''2[UO#R!L"!^1((M
MDX;\5IUN0RM:7BTRZO;+U:Z__)_]I4UZ0ZU4H;Y-J)/DJ8C6<=(M5>8)$&1;
MGX$:()0Z1F<D+;0&8^3\W\9/>J\2<3+%GZID3%X502%@!_W,!,K:%#7H$A[^
M%,7-3C%9&]+<@N"A]D/,N]<8A?D(G.17>/?;^RM*U(P?65<CVH]8W"%-&![.
M//\`+C>V:S7B-7IEA/5_ET.YY8M4ZI^P":_)"0YLBFB)4F6_]_YQUOH;D];6
M[]/$N#.N5]O?6R$S"*6"ZUR#6>.,2PQ4K$FH*MVMB7HB#(UVE2!/+E7BU:@9
MX8FS)$J%'2Q$C275J0VP\OB3!D%U#>?56FZ?33-HFQG#0$Q;Z`5E<CV6*%J<
M*_4&T7(O;Y]89%='784>'XM('*-QV)L:$RS+XJ4TTW+3XE`:3\'[*^OA)YZ`
M;)5BOGHCM^&PP[L-!EZ15,IOMWKP\A%F"1DF$F*9;SV>;$#>+_*<A17WX[3B
M(K[J$F#)S;MRP.LVN7F]TNE1'66)"&')H,NPI<>/U2FGPS4F8Y"<#M6!4=A,
MN+`4]PCV&U^4AG\=OKJ4`'U$SE,U#(;+;['G]$L%>)6RIL3B%H"`8:^+!)5;
M3]8G=*R8\-$"),DV^M$F%-+=X^\_"?7Q*N-K5Q&#ZRV/$D>(CQ$K[6K.;I.5
MZ9<ZR*X=LE1SZYV>OA%,R)"3!L!7"142*4Q%ZF4_PA/B-L]0WWCBOG]$_P">
M\\2CUGE\CV^U;+'2T&OWVJ^UM?;QVJ[@4O-E*5BI)KRF\QUO3-!I(.3EE-Z%
MGNF`N<CYH*'-93)%1SJ7)4N5'3&0M,N(/Z3<J[^SK=5]F,GP6`/#EF+ZB+$L
MCZY1.$>JD^P5'4KA4Y:./P4@RT,K$R4BS^+'?=F<_P![SG&&V4<DIB!XS-7;
M[^PK0JK9"E5`Y+3+L9,7[4:9GX^M7Z<2FP59#>]/IQ2'J3'*]';JE@T#_K92
M@++3CS*'I3J9#G4PG%/29!9E#GOOH=<9'EK)E](K`*X%](JN>OE;R3E_GW*H
MZV?RJ'7;H0&5Y^)1^@XE5G64W->0^.4(9D,CWY,F"]QRQQ$^8O[`;7'DV699
M:9G`>GTTF>SHY;(-PM1YHAIPL-MDX:8K@X73'I!/-3A#&.QXRT*<)N=,M_\`
M'SD5Q3\CB/YS*YQ[>W^QY][!:VX!%32E&#TD:&SN98D0ZM"N$.]:'F5C4W9!
MXHP1AB3ANL(EK^34UZ,CGV><6M"E*L<1D"5WI'[!]:KU=TF*$H^2P+G0(FH4
MB5TQ<;#.:=U&B@=V,,W(16F`<`H6QIKN&R6Y3SDB-.;>ENH[U/![JI"`H_7$
MVM]=?9JV;-?=-JUBH(ZL5ZFGS=3K-NA'N2(MLLU)MMNI5N'1AQ)N$1=Y)<J"
MC@YR.V\W_#36TO*X\VKJTA``E973W%-Y)Z[U32SG\';KB8N&PI4&)=D@^F:?
MEMJOL@[P;-$#%@Q4\14JZPVF1/6PQU?^[O'WE<:<2\<G'M.QE?N!I]UUZKTJ
MRYSGPBG7&PK#B"X&\GR]HBQC$;V5F51\D(GT\2+3)_%]82*R"&I;B4*-QT-*
M5^&^M]'$8\2$+]_K7R_E*X]4<J%U:,1O!1\Z2T*R/G*90<N)>PD*[$[[50E(
M*SXEB=A>ODN5`B1>NI<_/4RI75PEJDHX^)7??V);&F5*EHSS.I<3C$2CPJY&
M)691YW39NQ.T9JQR5M1Y*HM%CUMR/]^!]E11HN^S'4XGCR>)F8XB9"G^YNDU
MB?K<K3A@N"8NE\!<HU9GWE29%`AE[#ZT98SGD6"X-4&G6"M3-BD$ICHY;S9"
M<S_GO$/MK0CB/:32W[QK]2:]-[6R:!&AUQ]>ALX]'LMF*U8::U31+5ZUYH#N
MU[>#!Y(Z54:R[JLR8XQS[?SD/_1M*7OQG&D8'G^/_P`Y*A/MYJ][]:?9O:ZO
M4LSK)+'J`6FTO^5LM@M(0U<J]F$&]GBQ=4$&"ZK/W9)-O@5^,\I\G`XF2[R*
MEU*.6.(Y`?65*1]XMOS!)2LF*#5-/M%NTG5X&5R@5H+<8<'U;5M>"/@[-Q5;
MC,P8[D>B-C*\[&<D<4E]A<U?%I<^<CB#-C--]C-?J&N4NI@JQF_\%<J)D<[E
M;MYTT.O`>VZ-J::8:?5+`PSH@N&J01SY=CQVON2I_$-\D-M.I<Y9,#$H"F_L
M`W/185$E5S!:4`;OR0!P-,O.@FAT:35+]>O7_/:HN%%$5(L0?+UH_O/$FOOH
MBLO_`,&M,/Z\FMN1DI4#WG)2_P!A>MZ9.:@4O!P$=F>1R^D,6.S70G"K8B_W
MI&22ICI%Z+7'B16KOP=1?6)_#C]DR>A%?D]BIG,]805`]Y!6_P!ANE6V\Y$8
M!!,\K-=N0HC4(M+-Z"]^4F^6;_XQI@7;1.(K')0S,ZR]L3_!\F(I,B>E4;CB
M6^D6OQ4O"6;S]C)HK381*N9M59EOF<L;C]?_`+_R=^"$J5)QFV6*]CH,<1%-
M6^J16-.F2H+<)E$TS`@1N14]E3FV$)./UEP;+[EO99,S<K$!5@UG6CYJ-N-9
MNCQTC$CVRQ%WV"#5<%1FQ3\FL0X%$:EV#DXTW&CSXC#K#*DR(SR>I`N?XRC+
MK^R,_7IF@S@5&RRP5:FF[Q4QJUZV]$-F2E>F[XV+MTMN+5"(X5FR8N$N_P`D
M00Y*5'[/<6CBDP%\D)>$Z=@_9'=*RQ=W)6:9P5=S63:Z@=CC=*)-.W.Z"H6T
M3`UDSQ+M5D+FY4E6/+:*SG4KE07I,Q*$.]$N?EHX2_`OLMI@/+=XM>F_]3M6
MV@[SW&Z.,JG]UF!99`M+I`6KB+`AR&^:=-$SEJ^+3B&XD5UM;*W516NN/(2<
M?/\`*4?6OV+7NUC*T?A9=GXH%H4NBU&G32>BDG4![G:P7K>8(&+O*BU?@V-0
MQ:_8+[33L-YZ5)Z+;_\`9^>G\5+QDSIWMK>ZY@WKB>-]I=TMF@9UJ>G6\^3M
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M-S'_`*F>O`PU*!R;,W&&U]R//X+Z\Y`X>8:F+YU*G&'4R#8'ZR2X]ZU!:))T
M^Q2=.L>D635X10%>#\Z-4QL7I%NR72:0Z-%5<3!'BY`N;:)$+["ONJ93%2ES
MJGONK6D)E&B?U]UM+L!Q.]Z`7L`5RF5JZ%U"<U=FV.IYZO%#E'I1L>Q5OXT,
M_#;QP(],E,,,RI[)";WO&T2(WXJ9<OTF>`?KWHPF-+1,T:\3I,VO7&M):A0Z
ML$KP(5<`&U5QP53*Q""J&5&N@X>WD'!XN+_X,5^,UU#?&U.-J2<IUA'Z[L\K
M2$Q*M:Y%?C1M.@Z,.-0J)G_=$@,1+!8+:Y5$:,X"[89`:8=M)"._UWJ^R`,Z
M4,?X\U)?<6CD98D/TZKT;&*QC\FXSC$6IV6]V@6^=JE1,51IV]UN_P!6?J;.
M:SQK]2AYJ`%:%(:&@66T18;,9AI"N-H^GB.7G,ZUJ],0UMK&3T\GJ^DR0F>Y
MM)R2U\)/`3135Z,1.YU8RT*UG"HB26'%9T_-(;7YP]Z.^W#E2FT_\BV7F$<I
M6U7_`%W9U7*N[6:GH9H,(*TRV9#<95:JV>#IUYRTF-$@A@*SSHE>4B7>Z2_7
M&>Q;$E"):E=?9D,N-];;91R,G@KTTJ0PR0L%HU.WG[S>[,+LEC-R6ZH"[:;2
M"`:X+9<'@QPAB'!:9K&E2&OQHW%=2P(8=5U2^RG'D<OIZ3!63T&SN?0;=4TG
MKL98.0QKW!W3`(&].F5MG7GA,%LRBM$$"4S9FNRN+D*BR>,]BQU\;7Q+J'4!
MCF97*?7JW%<Q*5?;KR19T<WL9O;R<FHF@+-D"H+KF"*Q'<(A:^&&Q)<<>/\`
MDB3!@LMLRV/BTZ^IE3[B"?/CTDP]=?4>M>O)`P9'7`[:2IX<^/)+GB*N!&KX
M\U6X_93(RM"!J.3G6JPRM]]U;S\J2\^\ZM;CGUX@MF5#6OUTT4-8,TMM@T`[
MHUFS$?4:8*GW^G9T:A3<KH[-5Y6J9)"L5J",C&QA"H1YK=@CH;))EO/*_P#9
MUI#*.7M[3[,_K\I)&/5W[1I)2PQZ-$ID6`W=:A0#P!T32ZO;<]7'L`DF&_C2
M+9?-+'''R7%\1\9@UN:GZ=>DL.HY&7)<O6L6[E-%I`/4K/G+64V"S6P3=F8E
M0)2FHUCJNC5(_"-1K*%F`5"T5W2I_P!MSC3*X[S$=WJ^I;6AQ&?,H^)^MN@#
MUV3@[5]2&MDP_:_79@]ZLQ;-6`[(310HN*NX(!=LEC4#B:3)BPNS9"TQ14&'
M!;2EIMU3R7G.VS^NO*(U*+5([>[@N"?L"#Y"8+CTNH,Q3LEW;^0/ZZ-$UQH.
M#C03&]RW($5++J$K'06U_>Y^1R1).9F2>]%@!:[6+2B.I2RFMDBE(M\G0>4#
M-DV8%J=)BT&`,M`U;012A@(W4<]%P2-?_P#T*6A3KZ%-..H4W8Y?Y2?U_P!7
M#8W&X>/$=8-2VZ';Z+9\<O#("N<M%7=H,2JDH,NTQ%#45RV$3=W'%9I!/(D6
M,J$3Y%CH8ZRV[Q&?.9!JMZ!U*J6"IDHNJ:)+!4\H%M0^LRXM-XS+O<,AD9`]
M;")>/6V"KB[,]C8Y3D)E;$.*N9-ZRA*5QTQ4%IE-.]/LTU33;7I\6]_P5ET>
MO#`BWAXNFFB+)^A<6*03K1HE"D&HPZ2!X^$LP9IU4,L*>D1'N,I?D_>0#@8G
M#6_0G/:Y0IU!;NUTDP24>XM2IB8U3&K2Y=L@.XX4<@C1->A!AS,8*?=E16&8
MZ669#;:?CUE/V^HY><S&6KT4J":/<AH$]=2Y<C996B!H?3-;!N\N,2!J_P#`
MMQ2TBK%(,%F`5U1Z2VJ3$E-*=@1DO(<9Z^AU+RF1]<?52WT0^,U?3KW)EZ-/
M':\S9PE>@UJ"/+=U;6K+I<5FZ6('7P,F\.4F(<3&&,.L(@B93LQ4/ZHD*4M(
M6^GI.S_\$Z3&!5<8(O\`>1I2C2Z(;II[J*W-=$6C-:#B]$J1N2.DA>CRC;3>
M'C94N*XCC4IR7*;_`-B%-<:1RF%G?KVS2>&K4"?9BY^>!T(OHLZ;<JY3+8+L
MA2YU,35-)B&*J1!IK_8MTX+_`#N?:9;Z/EK^+'_B\['4CD9+M(];*]IVO/:>
M&V:92[FU"`0@,&H#**[SAVAV8:7;*W"),@3'M%DU]T+)A062?%]!MD2"6%(Z
M_P#1M`.!B5Z)]`*T#88#!]OT0%(@URE`AZZU&IM:+\&5+'KUA<RW$/X8)%:(
MZ>?J.@RFW+3]AJ>PN$/;1_Q0T-J1R,R-8_7MG]?A+9?O=KF3),>]M3'1P:E5
MD5QS0*QL=7*_Q@`)7HXX7%@Q=IGN1FD_/OW8D=3RWN]>ZZCD9@$_KF"0C9JQ
MA-UTT6>)N2HC!AP+G98HW72(C6P)`*8(E:I*FV9U`C92,:#*EN=6-C#QC+">
M-17429B7G[3-@O12KY];EZ)B5Q@!KJ/@/@QD^Y5"JWY-7E\L%S=:)`2$F''-
M@BX6G:.6$?;;D<1,:_'_`">=_P#*_*LG+/K)YK7IK7=:M-J/$-#N0,59RL"]
M*JXN'5WAX[7P>>JRRN:1&GD0LLL^D33.-M*#NO+&29#"'G$?7KB5H#8EB83Z
M^#\0D78JBZ66\6'1";AVUF;#%`0/RC<NUWFY$)L$=7A0J"/9DE;]*0EE*5):
MCLLHYWJDK6M(3F;#>))JGHWM_DM,+QJ@`/![KH#VJT#)9-3A$9T7HPY=[(BO
MORR!.&$-H_"K:VI")JF&GT1R#2(,A<=]WGQ2A3(Y<_>3*J.YM4,J`O;Y7$MD
MR#%BXB$+$N3;4:V>/2Y-<L5.^\<88G542S:I:B;\E<5^,FODE)9<2TUUY+Q,
MLV9[5>O(XG&"DM5K8XQ+MLNCLBR'\A!(=L4%89$IER'*@LR&!;7]B@J_DG$I
M&J;EM+X_U"^*\28,KLOLWKI07ZG7:G7,^GUV^\FV2?)K$:I"`4!FX3!`#^>*
M1>QHK!"3>D$7F4?'BI)/L5<=*7G5MMJ2X)D-I?MGAFHU.D;"+JE0*ZI-J("V
MC:^^^);NE)R:SVT0/)64O<;(!"<K@^G4JS-66Q0$+^<$>OJT\?9>C29",$>/
M:8/3=0]5?7W&H.@,Y9"TG/\`>]`N=N-.)"46--M<]?-'W(Y8CG-7GT[EE<%N
M"R70,!Q;\]QQ<:-`:ZGJ.\0`29<A/8_4)4JY$2Y'-W2M`$3:Y=E2Z>B:;KX&
MVD)R+*$GMI`R""P3II$QJP,M<<B0IS4ELC]IYMY*4F&D;MWL=ZFU8<'I@9[.
M;:^7T*HX:/HE<%"GH/9QBY53'2(WC;0IT$V%J+&D)BO([U,9:''1[2NO.=9\
M2X8SEU7V1]=,,$6>FA&*&3MU;*9O4W\J"Q&@[7)EXO5*IH"+.Z(KA>-''UPC
MI`R:11'B3'Q<2<PZMA/94?CR`"?,QVA;UC],TRY![5B3KK=1;5GTW7)@G,TU
M=5AT*D$-65GI$G/.HM@$-=(KG6Y$^;!:!/EI:6I+Z5N<6I&#B9$?I7H^S>`-
MKAFL;!WP)(N84?8(3`T*H5-I(&36;C$('H<:&&YRL!0TP0V_*>ZVRF%,AQ5_
M)F4TE&&_E.I*]KO2BUQR8:P66F/AJ.6J);K=UH):""A&;D-LEB!F0:+-6(\5
MZ6R&#E"$R;&1W^-A-/RI+C+'S<\1Q82XJ=KWK[<;FJG46QTVP7$7+L+3D*NC
M?S'A<FF%CU:.+>)PARH(_@T[*+CT.K?0AZ8DBPRI;C4Q"$F#*$"VCTTS+3]$
MOI72PKVB:+;_`.CFU71#")L"6*08F?P0D>W6A3W*U$AV:9UPU*3+;7`[UMT@
MN)&2AE+AL8]I(*YIGJ+99FQTH=6\D_Z\P*BB9=V/.UBM,4,4'NEAO<:RUQJ-
M(#,#U"H1''42)JX_'A\YY+'$J6]&5Q",-Z^<F2Z3KGJ#.KD&_$;'CRP%13(/
MPCA@:%873WVQ5H<GRNMDQS1"JEX8G+"R);:T1Y<=`-YMY*.Q^I2C#3MV_3J.
M5.TC*ZWDTO8W+Q0&;&0%P1=.@UFI8P8*!@W"]I3?B(&-_$FY/PY%"1F9,R<D
M8_W\=*8OUXDQ[R*Y;[3^LVA915[+#*U.NU^\JJ]/*U*2+[V&'-66NB(HNHV9
MM@.T+:&J$RXH]F;(2@0^WQMAIY2?BGQ*0<S"$?9+TF35(8/0#V-`QST((/)4
MHS"KA\*'5.&B+_""S>BX!2L.,0(!2`6<ZVM4:,W)C2E]1QYE:D8;U$L$M["^
MJB/X"YGKIG[78=+G6VM6DT)ZRN!56BL>(59$FB`E"H!",8$MIEB6W$$FGHG.
MNQD]9[U"3#>DY#5^Q2AXL8W6@TFOVNKR)#5@AQJ""JX@E:K,?MX84KZN&.UZ
M##L3USCQ>3G2+T9Z-,A_*3U#L?Z)1YS@R!UKV#]=%%RIBS4P)E5RK<L)FYZ%
M:@E/_P"Q1=JA6`F@'GT8;47[&9.PF&A:38R2,7,%.#G>2V7$\9D=92D&8R)L
M_K]:L+,[@,R&KW"9.$9_G]KH0@/GY"R..W@O5J]5,PL1DPH76>QHR[*.<>AS
M9B(T&*M*EH1]$IZC!S@S"V#V#]04U@R9NV<5B)<QP\U3K;E-DH]&FZ&,&Y@8
MDQ3%8)MMND:U-#UZ&"EEQ;+1-Z&2%CW90S\A+*_@C#>WI.T[[7^K9^S'_P"Y
M4MH7*JMIV/"Y]IN5-K,WC@6@2J,'/Q0SD5\R>,T?02VCBX0J#$8=<+.O*XJ+
MQ*%=\1AI2Q32O2PKI6A4>?2ZF(KMRS`E`L&B#G&$AG\K"0LG8J8O,^5FLDD2
MH&D$MH:8X*@R652E15.=9D*?;1UXE^[$]&J]2\B+":M8:O4,[G!?ZCT?3#`6
MNUQX>W1;-&;FJ'UR9#A=99JQZ)(2ZIB.KD62A?%=2KG?$Q\R0SZ33"D6Q02=
M1K!&%;WF)-LASP`J7%M$B+&APXK]BCR(CC)MZ-#'1VFU2>.J0VPVGG>)0GG$
MF9Q/T*BR1,@#)I=3D`Y<-X?*#/UP.Z)DP)$:#"D09`YR&J&]#?ABXS2VE(ZA
M34=I/>=2VCG$9G+*I-,FC@8B;4:Q+$U@@/+5H7*`"I`ZO%1'5=$DP<)V(N,)
M(#.K5^.]'2VXS]>_#J?KXB8EG*LOC,!8T?-Z$Q&K9`B6KL=FGUYI@`5+O\DE
MB85I`Y+8L@4D)XY(>8XVX^OGR7U7?\^(R9D':!1'B0XR]2JDZ7#Q)<`25=K8
M9PD+@SQC(6="'3E0NRH428'C-Q'6VE)0Y&;2TKG4)XGB,F=ZNU2K5"`P*J=:
M`5<9&CM0XPZNAQP6!'B,/2I#,5B&-C1H[4=F1.><2A*>)2MY:N<^JU=ZB9_Q
M$>(CQ$>(CQ$>(CQ$>(CQ$\IMWK'M7_=-1MU6G:BZ/;/7EBCL5\.`-NQ*F/!>
MLTH!4J8Z,8CW"FPM/-L7"`1-177B$'O5RU(<:AQ6>)F..)"*0+]RJ=(D.%J?
MIX_^1]JB6@U_-:A*`*IQO)+UIVB%S57N6@"G7"-9N8*S6:18C!26E\+80\85
M!:Y'3(E\82GB?\ID]EK?M@!V/V"(X8-V`=!N.A@+)9I320+N>&,E9RKUSJIT
MKEJ8\GEBYM+4ZLG(K26NMS^QXLCK2?E_&*4D''`S("<S;W(#OR;16[/[&VW4
MFAY4@++2"+X+-3!BQ>I-&"!2,C.B)=88-(BWJHG6GH,KG&H%G>AO/)1R8ESJ
M7[??T_\`UFS.9`/;>-EV[FW[A?[%H"\D9%X)`N`\17(K!GL&W$ACK@&RLN3E
MW^"[(&C91&QOK:F.Q&GWV64O2>*2'CG'M*D,0_;(H2X-S.?[7BA)&;5QX\E?
MU4UA8W#9@"JQK.0)2#$:7.8]AHFOO%UI<=:=4BL(0I"51N,_5'CWQ(SH(+W(
MIT/2E4R-[(6>Y'1@`94;%RS1S@<-&H)3V'ATB:@!'("A1&PVM0NH,G.NJ@QI
M39)H@34]'3*85)1Q/TF2/5?WW&A[V>H#MY%6'^Q7855Z9'101U*Y5K$U[&6L
MK:(@.)$B-NW22<;JO($QY_COYK["5\XF1/6Y8^V3/(:Q['S]OP>?JSVWVT94
M[(9.`CI`,*KN:!\Q)XAK`*"YH`LS+5<E[0.O%@9#NR7^=G3!ZH\EQMM#S_P2
M'&#B15QCWGN%@U:4RC;\^#C';W<Z?7XQ*M2$+O@:L:=_5Z7$LAG\YVUT4C81
M=9>2U#CC!$A4C[">+:5,<>D?;^DE]!KWM3'C>VEM<&:HC9"N/U6O`3%IY3N!
MI5]`:)[!DB(O!DN/*'<K@ZHV40Z%_DT_@=DRHWWE*>_D.)L>/'TE>ES7OG&K
MMDKU/%;Y(:L#1:1CU@.P*.[::]30D#V7Y#_[.G%7.?AWHE/(4?D5F6R_,E,H
MA=D)^ZR4ZA'V^^)L]O"=VI]AK;-+';CH-:`X>>B4Z+2+$$AN6/9(L>=$EO[5
M8'8/2GQD5?[$@,^U'Y`651*XMODI<!/B08Q^N9HA`.>[-MF7C/$/;38;A6J?
M+C?URR`:5_U[)S&Q?_)9L&_=!5DD'"$G3K(/$TU4!DG+ES>I0S]_Z=49YXF7
MV_I)1<Z9[??Q4[)JU6-X.UN8KVG#V@A<SZ+:)NX&_F/998:`Y,,EX\49`"M+
MI"@<A794J2T30S%;B1XA'JIYD^WU_A+H]D[5[1DO872*CZ\%M4?-5;-LY+0!
M(EFF]RL<$L];W=%P>F.V!E*E:H3+``?]?3*6J,F<S%[SG(:BWUL#CCS(V#&>
MVQ>U"0LR#M]ESX_/"(KW-%C`1);-:$"]C*X8&6NWS7D21UQT>P4EMY#29+;-
MBJ\,9$G<ZN2_*ZVCQ^F9#J)5/<NG5G-A@<=N<=R-6\]&1IL]RJD+$9V6OTW!
MJ^2D[]8"ZWSUCREI(VY,N37WWN.,MH^TYUW^(\"7[?TFR-0A>T5-P[6(EC5K
M6@V>;4<3*`9!<R$1>(-BM]?`Q-Q<K4NKP(4GL>A35RI[`B(A$EYR.Y%'O(=?
M:<0F/C,I,$*][VZ=7;18#&YO%IZ@=5OU=A=HL<H/RP;2<^FVVQTP#]9_8>P%
M)T0TB%+60F2OY)SK2.]^2%=3+[?TF0,YM[&B/7W#Y>:5;0X=[J9;?2)9VT*!
MKU`53KYK3A"=,F_Q4WD9>C6+,)LUZ+^(KLG^1<3\/A*^'.23(SYF`LXS]AT>
MJ\"Q+=HA4(%'YZ;(:",K8\9<[0&TL7#B'0XVEPW7+A#L>*6//^2"#*>IFRX-
ML5\?O*;=;9LOV3)7GGOM6.5==9(:*=N;UET*P$;B:<K,7,50.V@S5QX4O4N2
M1U?H%/&4@=`L$9\H\5D*=(+:9Y]YA]UN1]O\I@\#M_L[H&R5A^I:#M4W`*WJ
M<L)_+:()KUP.390VL9Q/T*H:!.I\A@6T"DMDR#0(E)<?;@3NR/HI4AF.SVP<
M8]LR0:^!]QINA:"5SYS;RTVIWK8)>4V-!!%8I<Z=<<:T"%2JD3SB7-0%,5#.
M#8@<S`/N*6,*D2D-Z2VS+1/7XD&/?$CY"7[YM.5,:`3M9&#$I=A8+V;@B/`(
MG:*7DW\VCB1EO)(:`;+1QT8:#&/SV)1DW.1'FO=C1GWD.I?ME?R*[["8T!M&
MZ#ZE?1,/)W]5U&IJTERCC;K?H<S6]!MS5`NI=E[\B98=AK$^(,CHDK[*9G%&
M$I^S)4\GLCP?$W#U_-_9J4[F`FLVF]?RP[&H(;0-,H_*4+LQJZ!ZU<B;['31
M4/+E1!Q^\PQ3KL5AM$927$HYQ*>K[Y9!CS-=R1'W)#WDGG`2T>P!V]@*A7+/
MG_Y*Z"0J<R%8"[+]]*ZY.X/A?>ZY";L,&LM\2VTS-A,,M(^;,=2I+]OOB2F;
M']Z:65GSJQW<[\4SZN"+8]7[+/H+U0U:KUVI904@T,266R+^UK=TNJ[?#).\
M_$;81WOW%-PT"/$?:?H)\D*/[PTN+=2=;M-M78JDT*Y7I;Z\Y`YU>K`>FZ9`
MT*_W6"Z+AM$.1X,8),9DSG640D=:=4E74N^63*S:#TETLI=Z_HD!\AL-LKXO
M3;3#IUNUGM9GF(H$.#HD215RQRM/\BS2L:T32;C2>I>6EA*DNO<<;^VF"1IO
M'Y9C'B)I_"]1`\?0X]WF:):YX^O7JQ7FA57H^NQ(=3DWW46=ET<8^4C#D%+'
M"M%]C-.,=E+^X.A-_CM=5WJG>IER\3$7?T<SR]WNQ7XG:[E%(V0M83DT="<#
M)$**&(.<C!$YZ,\+>7+F4L;2R;(EQ:^]83:BGR^?5,?91R/I(A5?U]U6OOWF
M:1U.\V(E>J^>K!(I,@5N.2>'&E47G29D@T.<FV6VO-T*,N<2F.+7/DR'G.MM
MH^TTTCF9D0?H>!'$QY`KJUU.LUTE2/ZA`6(J(QD!5\ZN$*WU:N.O0`Z)1AY#
M\+C,R>^O\B2E?5)XUWZ<XCE,QE_HY0<ILY>RA2S)UXOFL"C+<N-.K-B+Q"D/
M/:;ETH]$,R([74"3E1H8Y!`,IA424^A:NJXTOC*4%LS%6OT5!W'"\XQ$MI1U
MV'GUBN1E@Y*JM2.M_P`;>@%^J\^KURN6B"=#5,)4P.@/1:NAKDA0%F!#;1UU
M#/4J1R\YD8M?Z[P=E&SP2-GO\*OQTW(?4`DH7634()6]./F[9HX2S](PEO:5
MTQ;#*"8]\PI[^-G#(+JD25,O=D)0V)-(_I`$%N49L!J5S$C:T<$DK+!4+JQ!
M=V%US?&?8JM@9$N6*4Y7V!]XY(8>?A)0_*&RW&U=2\EI]M)RF8->FE?.:60O
MLO0;8V*[?8>H5^FQH0%J'7KN];<IM=I()-=@*,%!UB<R.$PB(^OJ829\U2%*
MZJ)R(CEXQ.72/3P1J%TT`]8=(MS%1O[T$],SX8.K4<='O8G-'\O!6I\X\+DG
M"48`*=01B#5NHB\,,-2'?NH1QGQ`;$KZP_KHR>S3(;A@Z6)0G*I?Z<>;*!J\
M1)/#[A>=0T0*8J95Z$G^F6RDV76BBH<]IF3]YE+*76^K;^YU'(S,VOTM.W::
M0L%AWZUN7$X#B@3]D@4>CP^$(DJI7/.[8Y'#.0I0L<_9:+:F&D?!'4028QJ6
MVE33LB(XCEC^$G%#]2*]G-XS"TU>X&H`O,(.EP(@9D<,CE;2/T:UW2U?UNY6
MN,EDC8*16)UT4_`%/MJ0T2'Q9J74O?D<D(+9E75_]?%7$S+Z1*:O?;"3O=7N
MM.FEIT*MH,+$7$.3".D39;@YV?:;8Q$**4\1F.*_*<0CGVFVDI:XCE)L"],A
M(JFZA1I^G7`N$NU-I&?4[Y"JK`E9A5,RM%YN.?L"GHHGXV8J".7EQ3TDHE],
MUJ&PAQK_`.VZ\CE[ROB/Z^!IF01>*[7=WF[=,L-ETN-%KE,BM7.]V`?LHQ5B
MBJ6+DNU@7`B[:0XR-C*6CO1\#KCR^HE=EI>7Z3:.ZXZ0.:;5]:IM^+9_;!0-
M-+M+48,&L0.]T'AYBQ-@"XTPS]T<5%$DR.CB4-]IR*DA*2XW(2XCC28@^,&:
MU63]?53.P*.*8U*]0!5/K^:5>2,D0JV7'FQ>7Q`48"17`G#?PH-N:_@$H8*)
M;<7`C3Y[<9MM<GCK27E);!]'Z1`#MAFKK<5,MP[!"^\I(/CRF[%3<?I<GJOB
M,XCO6(6.0GD?X^G7I;_RYU/&TH1RD6/?K_JUAO\`_=9^I7EV*V>-6B""?@UR
M8H08/V@]9R<4(9ECG9HBLR99UQUP?'2W^1.^4I]UU:DI0CE+4G^NEA-4#7LJ
M(:*N'3;E9WK5G\R``'2;'3S!?0"6MV&>9=((4.L7)-\+*;8CJ;2V@7%:0I77
MG'7/$F?>0UCTJA#+2*TX+KEUC;$/L2;?.T$D&J15H_9"#5T#V=XO5N"H(C@@
MK3+LX%B1(W8_1D0;`6TXIYEY<E+R]O:=BG>E5?SK!3_K[1]%M@JI3;2`OE7D
M$1M>-/4FYC+T+TXZ0&1GX#$<@(N&A#5EI@^5\VVI$^6B.MIEQIIA!;)S(Q%_
M7OFJ+N0OIBQD;A8;A7;.-TTK;ZY5RIBU62QLZ.RBZUZ?&'CH^?F!D;42,)IJ
M!'5&X*8B1$H1]IUQ]'(^D^!/Z_:G6'Z\?J>H7D;>JAG>)4ZLVLK!K1],>T8]
M)-N$],+A'Q<6$9M.M0BS,:R)4IIAY`^,N*F,ZC[GB.4Q\W]<F:KJ4*K#KO;F
M^!4`)0"2:B`3<:.=KDO*)T,L8%H@C(YIF;)RIK\J+Q4=M:",CC/6%(C+91R.
M<S=K.J;_`-?5`136)\:8*KT5@37HL$"'K0T#7!T9B$$K8D.#CQX,44#'QT,1
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MTOQ)7&)D=F4SR5`E,SH,GC3Z%HX_#FQVWFE_3Y-NH2M/>*3SO$3M>(G%QAGC
MRI/&6N2%-)84_P`;1]Y3*%K<0RIWZ?/K2%N*5Q/U^G.J[W_U[XB<OB)QO,M2
M&G8\AIM]A]M;+S+R$NM/-.IZAQIUM?%(<;<0KO%)[SO.\[].^(G1$!A%?&Q`
MP$4-""(#:FH(H1!BC1L-I3BW5-Q(,)IF+';4ZXI7>(3SG5*[W_7OB)DO$1XB
M/$1XB/$2.5>WU6[C'C5.L82TB(QJQ5R03`$X9:`R?J)XC5[0&=E0G7F4$Z_8
MQ$J#,9[W[D>5'<;7SBD]YQ$Q\_0Z0**'0I2RBQI&LPJ@1/,$'NPT#8=^,E:]
M37GY,E+<3O\`8C@25$C)2M2U/M?#O.=4GY(DS\1.)]]J,P])?7QMB.TX^\XK
MZ_1MII'7'%]^G.]^B4)[W_'B)7B]>S9L8#,KM@](NRYV<UD%,ZW-^T2SJM1*
MW..VEC_Q?GR`-B6\:XM*N)>[R6CXH[]%?%+@SOU32Z+>2)834['"-D08\24+
M18J)27(0\X1L@@3*=[(CLHZW.(U`DTCX]5WY1%_7G.=3U23$F2I49$EJ$J0P
MF8^Q(E,1%/-\DO1HCD9J5(:8ZKCKC$9V:REQ?.=2A3J.=[SJD_5$P%HN57I4
M%!&TFX0:([*&0VEREJ4Z](,GPM6'(9C,(=E.ID6&QP(G5I1U#;LMOB^IXKG?
M$>LDWB)'1=LKIHY9ZT+*QYAVF2!46SC6DO<?#R#@MDT*:D]6VAI2IHN0AY/P
M4OGQ5_GZ=_QXB9N3*BPFOOS)+$1C[C#/WI+S;#7WI3[<6,U]QU2$?<D27D-M
MI^OU6M?$\^O>\YXB1^%<JP10`<A%X\A%HDDH@!242.<)21#,V0299^;*?@J*
MR.?4KY_'G>-]^GU_Q]423^(E64G<,>TIN.]GFF4J\M23*Z\ARI6$=84-FD""
M9_\`CI:A3\KD%]T*'DRFOO?;X\PUU2.JYU/U2X(]9:?B2<$:3&FQV9<.0Q+B
MR$)=8DQG6WX[S:O\I<9>:4MMQ"N?Z=YWO.^(G1,'`U?BL33A2"(AR2@4)'E$
M9+41AXQ8R\(`!&-.O*0A<XP;)1XD9OG?D](>0A/.J5SGB)E?$1XB5G-V?)!T
M:US)^E4F'%HMYKV97-^39!3+=6T2W+JC=7I)U2Y*>#+185WH+R'"=^+\CI2+
M\$J^\CZI<&69XDF%D6,)$L(FJ2"#+5A.B3IT2+4EW[\T169=?@GIS2N-]9XT
M-EVD>A?%*2KO92?CSO.*[Q$S7B(\1*?M7L!BM%#2;%=-+JE3!1+I/SR26L1)
M`>`S<Q4*:3*`ER9Z6&_R!PL;)E/K^OV6HL=UY2^-MK5Q+@R>&+?6@*ZP@L8B
MQ.W,Y&K57[W[CZ#1N8+)FXL"&Y&;>1U;PH-*?2M74M_;9[WY?Z?5).F<T&C5
MF5-@V&VUX),&PZ^1(1296'#?AP+8?<JM9F26WW4*9CG[*RN!$6KG$ORT]:1]
M5\^GB7!DP\22(U>^5&Z/&H]7-QB[U>(S1)IN.W);4/)#C!@!-B/?D,,_5V,8
M`3(ZOC\N?-A7^?I].]1)=XB/$1XB/$1XB/$1XB/$1XB/$1XB/$3'%X\^6))Q
M!<_HHG*'38XXIQAF5T;/>C.MPY_(LE#L>3V'(4ES[;B5(7\?HKG>=[SQ$\-8
M?[`]U$PF[B8(1[$'.5N/9Z]4A]<!#9*__B]53-0]QQ[I9H9,DHA2/86>%%NR
M/MNK$PW'?QTI7]$]3TXC_'_">E)G5]!,>F^F:R1`/YEHHO(ME,18+,KDGHDU
M31MPB@K*-<(PDO1X1K^$CEH;$V-R3%8DMM2F^.H<3XF./NQ^LU>(>^VC5=X'
M1I6<4JWZJ,L+M)N-9KUOLJ8\TN:KK13-BE>/$Z9"B=9M9)3D!V(^WR<J3%DK
M9:^PA#BY+Q'K[2P\1]YBV\[0%IE)RIV;E)P0JQP-09-R'$RZ8=CZ)-S_`$"/
M$=$1QJZY9D9Y^-QA,MR:J0696VE3,62ORP5P/UGY["^SMXPG>S[<5-3L]`%X
MIE9N?0BEMZ$NDBPW/3]-ID<W0PC`(BLZEMV%!694_(:1'&P^K92IWY<4D`!'
M\Y3VN>[=UG'#*LEG@(LFC"#9=E#]D'6"@6:>)P.Q:9P=8OX<%_/1VXAN9&9D
M\BD/_LX'.?;;6XI2)*%'O-_;SJ\Z@X2SIAAVJKL;P*ELQFXCE@GU(G=[O/!5
MP"*$NBQA&P3!QJUGX\6%W['%N?>;^ZME/5NHLQ`R9&*7O=AO_JG#]@ZK06#%
MN)YN6M@G.&;0-BQ2]G%L3V4UR);9J&1K4,B7@=:9ENI2G[:T]5SZ_P"/$8P<
M33`I[[6*]0PD2FIJ<,,=NF;TZ+;:V<,L7!5C@3<3N.@S7J#;ZF/GA,Y)A[]*
MK;4B9WA!@DVC[C7TEM_:3+B)-O6CVIONZ;#DXR2\##4>7B>GRY8%=LAF=$L-
MOJC'K!(7:[H#AU4`.&#?KI$SHR1!^TS(CS$/+CM)E,-,((`$;E[*:CBGL)IG
M6TTT[4XN;49VG`+5?BU,K@E`2H;EJFBSB_6ZN4A.72V0,]:'B%<<=2AAE3J^
M);8D-NH`!$ZYW]@IV;&'1L\SRG3[#*$7NR%!-OT"8(D5D+1I/LH\]'.P0U7.
M$89PJ+]=W4-L+;;0U,GN<ZM2(:NNR.(]Y5YS]AEQ@6"R7F/`HT>O.YQ;9><9
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MCJ.^("Y$V&KFKW`Y@MFTM%.%S[]58>LCW:6%-S)`6P7#)K-;Z?*'A#DH1'(-
M#+0:J"U1%OPOOL-24)<0I:5?5)CSCVGGQ-_8/?=3(TYW%JE6H+(6\V>V$NV:
MZ36`5\Q<EB6UZ)B922\*J)0B/1K-1HTJP1VFD*_"EBF65.O,J=7R3+B!ZR3D
M?;_5;P-M`/,(]7"E@-PS.7^;?[JW&L15O2?:&5GE?KM;%U^C?CNT0:&K,F$8
MGK3(G--2^LM=?DL*D.(XCWFW3.WVZP>IEMW$&&K(F^A<XTXU%#DB!(G36KAG
M:;.->X]/CPQYF7691NMK<3W[#,KL5?.*2ASZ_2S''G$@N!>T]JU'26,]LU<H
MD=,JNWYZ.4I5M(FB,<_D)+-0%REG:]/"PU!JI<2FC-RZT_R4^ZZ-CH<?Y\I2
M.-I2,#,A^[^Z-QRO1K)3*W1<ZL$8*>A4*%%LVE$*O;R=R*9!+UZ`>0"B4X\C
MF;(B<9%R)S;CLI$U,A265)9XA:`H(E<V7]AUXJ\H]#5D-1LTUZ;;:S1AE<T:
M;_)R="&W;1<;SVCWB+,J7UJ9+6=EHL>`.5SLA4:*4[Q;;C\-Q+R4+F;F^NNY
M.^P=7<T82/KT+/3K?96?R8EAD$[.:%13UEK\LV<#J$PX@87/E@._QZVY,E4C
MX/\`%<1]M/5IB1CQ-/X7MKL%0N5PHI09G9U5SWK7J=D%JN%X)UT/61=(O"!,
M^%IBXM0>9$B8T68W$"_@N37Y4KC3,A3:WTJ2F6!Z_I(@C]IR^PFI?</EJD.4
MM-AX&C7),DF]990*'L@RD0T(KB4R)I'U<3/NK<GZ<3WD!4?[7P5]]*.'ZS)$
M/V/WJL5;LJWX*U!MTZNR;K6!<2UD>CK1GHR:;!6+0XG'ZQ_+PJY5K,0J<68A
MYCDGJ+&AU*>)XU]Y''/IZ3:_UL]@KUM!>ZBKO006;R:9&K$!8?MFEDK05/D0
MD,\;(<"R`P]`NJH'F![T+JWWIWPF<1+9C.I^"TA`'I*WVCW3)Y'I-FK*J;5B
M=7JY^OT>8[,NSPJ[N6*P9I,UE-N37E`I,!K+A5='NP))!<OCR2:7/]G&F%]4
M@+D2UL*]A2VW:#J@0>!JT6B9S+)!85F&6M\\5LAN#I^GT/[C<!@-'$P@R1^;
M_D]=3-D.JDS%,?!*6.NNI",";4>)(\1'B)&+M_:_Z;;>4-(M=X[6CG*<DX^[
M&"]M/1DKE?\`Y>0S'EO,B^%>M?D*0TZM+7R[Q"N_3G43RG`>@6RU%INHKO\`
M5[U5JR!+6V@V&+P_ED\3M)&J9=4FCLZI@"9T;-FQIN7KL/\`,.RW7G#-@(.=
MCI4KKBT].0)R9/\`-?4W5@879H9H%3Q%@NSGK9&DV9K0;!:IFI6''M9M%VOF
MK61LD!8_JY&[C#;+C$!M4I29"%-NN)2E"^IB2#/G6?4KV0N&TVRQTK5453.#
MQKH\2PFZ6YLJ`J-T$#[SI!-@-'B_Q_;)$W'+ZMP0E+Z4M`"AAI+K/%_8?0",
M>?60&M>JWM/7'(:0@VK5VLV(A4AA&BL[9;B`O.X-:N'KO8KA;X$^55W'+3.T
M][,++*7#2B*KCYI'93G5S2"FDI*F9K+O378:L9LZ[`(I;D^1ZQZ_CS.B-W\^
M3(6@AH`+#X-"JKE5D@&X5=JN8LYT0')DH=6MQE3#S+'.R9243W@L/^,A%Q]'
M_:6:<M)T+=@4R"<J(NI-5=V]&QS4=L5M&JZ$^68D/UPF,(/F,OM/*-^`3BRX
M$,>>E.Q^-)CO-3Z8Y++3O/IY?)XC`)@0#'MIK.,6,9Q9^WO14QK9.`R];P[2
MBN8R;57JU$&D:]=J9GAJJ/.L18\=EJ>PEUMV(I_J4<A_QG2N?I-=[O5?7H99
MZ[3K(6IU0O-'M3Y2Z'Y+]*J%MWS$=8&4\(>?')+VP/7<^S295?OJ[$D/]7'=
M^B6U.=:1RQF1$QZ7^Q1>X`1CDJJ1<\!P/ZAV6+T(^,G%L@7H$"PQ\W.\9KB[
M<4?$C8;C4?XF(XF..Y&C-QUR.R)'B.0Q^LM_"?578LFVNXW4F6`&J!8*E,I=
M0K:+;9.O9CT0@PU7+*(ANP4P#ZSE96-KTIJ=UV4'AAX?1[R67I[+J"09KSW]
M>^K?C?QED3#O@@7FF%MBJW.T=:JD8/9^]C)O0:-9_P"=J9"WDG;!H5#.6487
M60[$X3-K>DQ^.K=ZI+REJ/>E^RDQEA26L$)\M:[M!_G)7-+OB'9670J3`$,U
M+DJ.AAR(RU879[_68_&DN=?^ZISJ^\XE)R$C^<9/><W]O,KK$\-)L3`>X7RQ
MBK*(L6F/0<KP3^B;\&IV6S(,RNLTB=5NGK0!D,<44=<8)+;8_'4J"P_Q&05F
M.C>F_L3::C4XY5BN9V1JN$4CUU)"`^E&^R[T$J%%U<5,MQFQ580+<@P>6.ZP
MFP4!*G94&*J9)6ZT^IIE,EY#/\YF8/IEKP;1[):"T1O3*4]MA`_-S$QIR`E&
MO&:SB.HO9O,BC85/:)1+7A`BXAA[<$W+GP9L,*TF*ZTJ"/[RR<AC]97T?T)W
M2%5H-$K0VHT>'!K?:U'L@+5[A!3!I,.K76GV/+AH00'A.1`NJ6TY'NKLU#K;
MT20XIIWG94*(XI+S&9LK%]?=BJ]0VT)5:M5YPQWV6RG8\FKQR[)39SX:D;!4
M-!LXJPW:/6W(@X%_$5Q,*IQ),67-$0FFQ\F0Y'8C.(3'(\?PD&_^)FVV[48M
MIM@X&%`RM).WO1NMZS;C3VJCS-LFW/,P!@-&&#8,%KUX&=9KD1K[BXA1CO5I
M2B/SK2DN1B1(;Z9>Q=1DY,#K$FHKJ55O>-7F?.5?CKEH!66K`/7F!J9E@Q8Z
MY82$T9?/Z1;_`,MB$Y"(EYY-ER7+;CRYZ.HY#W]9,+WZ3:E9=.T2R#2-)9IV
M@Z]#V@P(ED2O)I&[YM.SZ#C9-]#(E49"(E?FV1XCSY*<1,`@>-*6GKJHZ`PQ
MB5X']*-],LZ/.TUJ$I!@+I,T%6,ZU10!IK2+F.Q,:1L]5BOTN-4@HHX[3+#\
M&#D8W*<&D5,D7GWI\Q3:4L/:1BQ^D?M/9)"2Y6!G,6TH$*3>C]/T(O#BZ?6"
M5CP$RG#P55M=4.`JE3:<,S4E"A]F_DQ)"6HJ.MH;GS5,(Y#^4V7HWJKL&;B[
M^6K)H:;OMKRC9:GTOH]VLUJ7:;`49RJ)C"[\MB)`@3$5T=6SK<M^#&C(8>)O
MN,-*Y,?YQ,2P/\)0X_T4]B5T^8[#LH^HWN.P9!42:K3;`^[2*(;G^TTR54H[
MU2K-<KHA,R'JM7C2?X@8PRQP=S['R2,@*5)ER'\I(;KZ:["?]=Q.>U6G`J"3
M=]@]ET%-(J.W'*['JM'U+,]7HXJ!S0F:24DS6AY&]17BPEF`N(["^_&CK<;0
MVE=D##.3])B[%Z5[;/-#9AVB9UI0ZM72;8[F->U:U5`7[`LRRAN70UH!MU\E
M!S!.&5<GP"*@\7*CO0U]90XW';3Q2.0EK7[TRUNYQZ-,FZ-/FVFF8OZG4F?.
M:OEF&`;[=\9V+E[OQ:^BTC7G[6)GC4]>@*E*[(=E/.I<2UUSKGD@,!_#)E1U
MSTM]E9C=U+W5=3;E26K8:"4L)I1P=6"%KL;WKPB\Q!C(*K!(E4`:B%S^X"6Y
M$ELH5@0+!QZ4_(E2IOQ8EY+,G7?1W9_LN?FL5BIAQ,333^;48/JEW*"LWNUA
MNQBTY]+@24"Q4>9,J,8IQ/Y:F5I9D\5UI"T\2KQ)R$N'T0`64/==[46`DHD&
M*.RRK$[H\7T*<,U73Z\6UR7HVB,#;\`KJPIT^P?$+)LPFI#*'/ML]DO=9YQ%
MD;VGI%XF,>(CQ$>(CQ$>(CQ$>(CQ$IVU>PN%48C91%QU_.:R6IS(5^T"S5O"
M#R()%C>CQP*",*1,1)8D&'YD=$=KJ?NNJE,<2GO7V?FEP9U#WL5C("'7BLC1
MJ/(!V"19/I8&+O2V`HH/3@A4W:[.0G$K#`;>`5QH7QJ:Y#_*=C+DMN+;2QQU
MYI&#.A+]J/6R!&-2YVZY7$CUU('IQR3=@+/\9VT1^RJ\U*0Y-2M$@PRGO6&O
MIUQ:O]O$_+_'B.)F(:VGU)F6EG.V-(P:7;G72H!BI,V"D2"SB[\EH^>%-#$/
MK<4BXJ6Q)G-<3\9SK\=3W%K?9^:,-Z^9U!GL)Z@AJL&K0'4\.A4\B%L;-=JU
M?.5/@:>`KR""+%$"UH2M4>4-BIBOH6RQ'4AU7?@E*^N)XI+AO7S,L]>O6*73
M*![#DY^5QZI8&0Q;.=,/C`8Z1(<O,8>L3VN$B\*.8C%C\:'&Y]AKX2G$QD\6
MC_A_VI,'.)A6MC].!A0(;8O_`*_#S59*R<BK1=DO18I0"1^B%3:$!GH6W+&Q
MTHY\WH<9:(_$(4M7/BA74HPWZS`->RWI[;28[02EOR?G\"0G56J:7<GZ>*EH
ML:+#HU,L]2K,JQOQKB/FBY-!,=F*Y&CPGX/W'67GVFY?6$N&]/,FS]H]4,S$
MI8=+8/10<>7_`!J(Z%T6OC6998S8JB[%1'93%CMJE&J^7@O\XGG/G!F)<^G&
M'_BD^[]9DC&A>N\?&-"-D"N>$\,RH)9!&@,0AXT_1JV$S\9]^QU^4"'0YPY^
M-71\7C:X#,=SX?#C26_ESX^(\Y_6=ZF7WU_TB&2R^CV',K9`@50:\8SD.X!F
MQH5.L@^._`9)TY*/MQ@T\<1:XMAV,E"42$)<0G[B>=1@CR9'P]N]4>&["T"-
M80W8:*(_J-FX-=HS):KUZA%`B4UPDJ/Q$H<`IYV?`;1&5U,6#.4VA*4/)^/$
M>9A*ML'J\_I%;C9].RHA8KR,MM78OE.<I:D+F9DJ@PDYS./C74$7R3PJUPY`
MN`GKC2Q\+KC?.-\9ZM+@X\R>"K)Z^;E+.!A!3)]8F`%U(S8!T==6N;@QQ3<@
MM22Q"/U)#[2FN///#I"N?\2^N?:4E?%_1)Y$@$38/3!B0>M$&]^O,=\X+(W&
MR6>,2HC'#HJ')DT\I82Q]OJ$&&6I$YX<Z^X\[WZ/+:[WXK[SJ,-Z>9`;ULWI
MD$KUHMIT+C1T58GZ5(AS$QLI)KU\O,AQY57CAV5SWIYHL%0PRVS_`"34=3#B
M6TL=[]$]XEPWZRU,^->NVW5E#\"K9J07H+1">?IA@+3")HA)IKM4CE&[2&:;
MG(GS:QV8"^[][CO8B7H'UZGBF/$GD29:7>J?CL$$:73BEBL]LLS=(I55H8$1
M)N5NLUB9D'9PD4X1F@A$-G^)K$DJ2E$)\*"Q#&./R'N?:3X@#,K*W[1Z_!2T
MHT>"U&9LP\-G(:TT5WF?$]GJM?OUTJ`P6'LB(98FML4!L-N'S)C#$Z3$9ZXR
M^WUS[T9;J7!_E,]7?:'UW=J*3[VCT&G,LB:78K'72UBKPXQ5)FKQ6;!7QMB&
M1ICGXQ\](**[UM/S7(D*6KG5=[U74G$S!Y]NWJM>D39%+-9GT")K#Q*,<7RI
M!H,FOTDG<\V-MP1DQZ)88HFAJ&S1[K[\&./1%(?;BNO-N2$H1AI\Q-;]5[#H
M50%"W\EL).(-TIZN7F%VC3Q]9,4LE52%RJ<$WQU<P589C!EHPMB/\>/Q(+DM
M:NI0A?4N#B65>M8QW*:363EJ.5\-2[Z?`4ZH=C1$R`UHL&A+?<KXB`V.C/PG
M$VAQU:DNN<3&7Q?5N+YQ7>]2`$^DJK)-U]02-9H^@42R8I2G=1%UNLBF8,^A
M`3LA\+61),9G\]T2^WQ^530QN&RW#XZY'BHE,)9_V2&/N((/O.E'A>K.K;QG
M^FMZ74[UH4VD%Y68U/EBJ$^%+KK?#0`O:*^-9'(LIN*ICI-E"79DH8GZ2Y#$
M=+J'7TI?(&)V]#WCU-QR]MUZTELG!VJVWT&UH$WJZ9`E5NRPZ-:]!I]ITV4\
MN/+CS>#Z5\!S\C[DUER3&=3Q#"ONI0`Q'Z3.\U/U(RHY=SO_`&%CU%-1W*=1
M+J^Y:`054-0J+;S-,K3\-R:S&A-1(SYZ7'98;0C_`&3W>\^34A2$F&/UG[;=
M<]/I#5YK-XO>`36*Y(8B:&!LI6C3F!S]B-17VV[*,(K>:^A.Q#6UN=>0I*IL
M/O5]^['5\$8;]98@BSXD9BVNV!2V<3X.>EB2;C9X+E?<A50S6JTZ)+NESC?/
MQQTP!4WW84EU;O.Q877(ZU)1Q:.(\RIX^P^DU;KDF%"O?KF$JHJNLMOCH1&A
M0`L6KZRJ,51";'1OMQ.B]#4U'DKC-M]02[UAQ:'/FUU27#?K.T&O/IQ7+B!G
M5RY84"MPN&YD==X`L=3&*@Q+!!J5K52AT(7-8',=(#1(*4EE+?%_8_`XGO$/
M1TK2?=^L[A77_4`Q(:MI^^8)-F'\TL<ANR'RM)7++9%#G3XMF^1<JOC\K/US
M8,OKZ%.=@/\`X[Z_HM+3JDHPWZS.Y)JGKG8SY+.<3/Y_**`*35+K,"4*#!BC
MHM+LY6T"JU.8>$0XXAZ-TQ7R;*F&G%.PWT+2\AM2^<4@@^IE_>))Y`R/:37<
M<T37X!,A2;;TCL]DG@@%DFWABR7&MR-#KN2A*!D8V9;20<<1RL*CE@L*H$%<
M:3%DH6N)%6\^0\3/`/\`E)O[`;C[!P,IPB>,NF94RQZQC=LM=@CP1-FA-S[X
MU_U89J(:AF7;4P<A1AD6Q3NSF>M2Y9$?'D.(;8^/?LH`'G^,AT[W<VDG>;-F
M)*E55B/1IKM>M]BKM@:IY<X0"Z];Z$YH%"%E[S-NCM,D$:4V/DC(P<OQAZ<_
MU\PVB(IN1(XCUEM7/VPW*H>O6$ZA%H-"ME\WN`X-K58%KM`X+$T*VB$7#,ZL
M\^^]/).P%U<458)S5):^Y/8:4RVTVY]ORP`,D?24I*_87<A3+NG#JF,+4&[0
MR=JI(/\`D")>Y6T$1S[MJP<)5:0\:#E0;VG#78T@R8@1#\<*_(9_*@-QWW)T
M1''_`#E\!?:[3)V)9#=["O%Z.6T_9"&=KTHT<&&L?$U6,#N5F#VV8W3=0L4`
M<2MRJLR`AC7[9]634]K[CW7.MP7$G'S*C&?L8L,$45,7!O'&(#N;';X.ECCA
M6!%J-U75KV;KWKC=I!(G)3)V@7-I/$$HS/(<J0W.3QH<QUM*GTRX?X_^,[T[
MWIV*JS`\NYUK+^5PG8:L1=Y7&CLFW)J5RO>WYS5J<`J)6VCR]YNYBR95!3+(
MAVI?\.T9^ZL++BQG97B3B)EO7+VRT32W[!J^H1QE:K`+UVLN@H$4PG"MM>?A
MBGJU99))^M5"YZ!)CW"M<)3@DB&N:@I,Y`2_^'![+1#905`\#ZR"UO\`8)M1
MD0=LT2EYE:0F>I2W98-<[/?-Z#+/6X]6:S'HLNJWS2*E7GH:8D5<UOI*R=>?
MXZPA3#BOHR]LQP$EM;]JM%K.&[?LT_0,<TAD'['UX3.MM=+2I><U_-9.1XZ=
MM*,TKQR_#IEP-5]PA/4@#"/\ESB2Y2HB'Y7Q&NHXC('Z2,6_]C]EC<C0JW(P
MH*5A1;%(M";N9/J0+,@E>U$L;GSH^&3$SA-XMT'`!S<:-+ZF5&44>=_$D=;8
MC/(X?X_RF#Y^Q[3Y/)_/L8'7FY4_0G'"Y^=:%B,;?SXWNHV+E>RN-V"#U.HZ
M$C(X[0W[2QB(\F1,XF'._&BIG(XC]9L-A?LGLNF;!4NW5W/Z7FUPSSV&L0S-
MF:W8%:/%(Y%L5=SV&T0L1`^E!(V/&.R7R4.$(0AOLA"?I]4I7U(0`/UE;8C^
MP*S:?I=%KA)&<MT*X:*3I8^S!([$FW&WSF9T31<Y%<H`W5K05J?.Q;1-;-%G
M%ENC7H3$<F,"N2EJC)2N!^LAUN]B-"K>IW&,)UPY<Y#WL-:Z9<,<00KK3><9
ME7K-FPJHW<;-KX-BW4QI9\Y&%NLD)3\:P(-N<XCZMI<:2X&/Y3ZA_L#WI+L!
MDS1<B$Q7\SQZVG[(2+J#`J6UML.F&1VGSQ9/0$7RPY-F<>Y]''W(@9N/V0)E
MS'2PYI+D:.DXB9%/O!L54MEE!&[5@>@LQ-/GQ:^BNBS8&9>*HGOKN-"Y_FS+
M%XLG\A>[''U^8?@2WU3T/P&6&T1W6'7)T1+Q'ZRY\C]MM-.SCHW1`5!(V!OU
M@%>Q%/I^6-$29.R(>KP*Q&PI*;)M9DO4"`^7;!PJ#")@XZC:7/Y&#)>3^5`@
M)B0/;ZRBU_L:T\0"*NHI>::P3>!'"M%.Y3,L7]1NA*A935=TU"M1')4\^ZP1
MJ=$LZAS2^25_DF(#G5ML*6N%'2\1+WQ'V3WC6PVMNDA>5`W:+BW]KK1FMN,W
M.-;+98K-L`NGV1I%/TF[5B!5&0^;,.2PK)HF1[-E.-*F,<:XE:0@":EU_P!W
M_82A5LK9BY#-]7@Z*=J;=?L@V.0CU^CEIM`]-XUELSSAO2Q-3:RZ*4V@E+X-
M_F12(TUCO72B$R7.10F7$$_X_6;-[7[I:OCE$R4]*R2OF[=JF('-'B54-8>G
M8<.W9K4$Z-JE=9LM>DE`1$.BD]6Z&F1Y#K<I]A?_`".HZGOB0*"?YRD3_P"Q
MS5P$(#!Y7<F*W&;5;S)EB8L\7)#SIL85L9[-KP%+U'9+VX1JYX9E[/"PL4P>
M0(?EN,R#C,I#45Y+P$WF]??8"?H=VU[+;^9H+&F9K<BPMBNTSK:X<^H0)'X4
M&QQ2G+I;.%I\OZ-OE1RVAI&L29C<";'7SL6?/3$C'D>DVQ\3&/$1XB/$1XB/
M$1XB/$1XB/$1XB/$1XB/$1XB/$1XB:0I])JPC<K#L_+-]YXQIH351\":),$#
M``[':H[5F##2LNY.UB-6+2O/1KZVXX",1:D,IZN:^TTPRTF7(XQ*F5^M&J]K
MY&N\U6P?ARJM2*S`0NL!EL!.5O"+EBMIG#HWY:>)<T69:F;`3;4I2?SQS3:>
M]0I2N3$O.6WSTU;>TH=>2&ERY0:IWG2[Q0*PU4!D22!E[);"%]T:(<L:"3CU
MG3(M\IIT2YR-"4,B,]97R4XODA%DY>,2&Q_U^4]JG#J'.T4T^-178E:EN1PH
ML<1(CHU]Q6\3W([K<EWL.9*1C3$3[B4N?:3-^[]%*8;2I'*=S._0^NT8,R'=
MO:999<?+VRQ<77R,.<?1E%W%68,6*+M-VO)9PT2%`X`R2\B6B$VB(TJ+%CMH
M;CH06S+?FX-8$9]Z]5D;J(\9HGKY,K\VM7272FYX2QK&Y]8LK+LFZ&Y:XTCK
M)RG6J8E/8Q=IZ+/ZV\AQ3:5QW4F?)^AE(C_0**V/GP#&LD"GX^*F?7FGOQJ2
M(%.5_*WJY:Z]6HY3C162FQ6X,FZ3G)A+GX;)+GVD<BQN)<4ZF7+_`,<S*$/1
M."8<M"RNG3Y'#8G70`SK52@MO!PVJ.>R+OQ?=?,2_P"3)U]7LC.3R0GD5$IL
M<RE33?W7>^).4@=B_6_#L]@2:-ZSTQ`"DBB*?62-+)PPD6I6DYN):[5FZ/5'
M1:D=NBST?=R$1I]N:+C,,P8W'HDI*YB)2`V!B;%4_P!8$UG*]XR9Z[K_`*UL
MSU]9"AZT`>K]5R<+>JRJOS!=$K).QVA,#CD]^28F-M2HXZ06F/NL0X:'5->(
MSY!C'O6HMFE^_NYS2$W!N",TQH`&B4R/6$#C>W6NF7W62DXG_/G9IF$3N%*C
MNAHJ_MK$P75QGGYZDM/MH+9E#!_US4*.N&VF^2)4`=JB;8[*B#2<BR6+-'#-
MUM[N*7(X:NMA'RJTJV7)L@V\('@T<5!;ZJ,XZ\^^XEYG_A.%S]=29U9+C2>W
MG$VMVB!,^J]U`4@(!EU$724Y)&SXW!%]*$8LFVA1V6K;GS.K;9)*+O<;8AL,
ML1THY^?3Q-@?7_U2J?KW;="/UN7#G0+9.*KK49^`?2<IP$];#MY*T])6=<BX
M"56HUE/O.#V1X8.IAGG$R53'?J_XD+9FJ.M>@MN2%J9FF;-^3)RFKYH!I(>X
M@65@*Y_48]3KIX\GDRVQZG"KO10:0?D#4#69TTJIQ#A3\=;#4=[2AA)P_P#K
M\E_GV6Q#-LD0;5HC5JAZ24>SH41%FQFBW`)H6A,5D&_8T-U226N%?CN#GG'R
M/!T'KC*T2WE(E-I.7Z>),\)]6K'D^VW6[0C;T*KLUK,J4':*1!!+MO8$ULYS
M2[*+@CB"7:9(N1!NF1)#LA3\AU5)[WC"6I2'O$$Y'ZS9#8LO(Z3`ITRM6]VA
M7O.+K$OU$M7\)&LXZ$90!L-0*C[!6I,P7_/5VPTZW$Q\IAJ;!DHY)2\Q(9?:
M;7Q(#B:S%O2"39;B[:K)K3DIE5K8TA@4)HD$5UG1RC^2.7DHLI(L169)JIUK
M)VTCA*_JX*41=ZY,FICPT,)>7C$BU'_7M'S(X*MM%U%F)<J?9HMIH%GL=*+6
MF2'>*UXM7M&KIX5+TB-7B=/N#1^9)C1Q,0!/&S/QW')LWD?B5H+9F:(>AHLT
M6$3[%JA&8L==:^7;C0ZN.'N&:$"TC<-%*YH9=?+D')PZU_\`=/X1.4SR/UQL
M-&<0RA2E\XCEB4[8/UNI`9;!H],LTTP<D/TVAJM8^,Z%L$&A1K=C4.?;;,8N
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MXO6F6$G*5D$_7W^#>2EU/;78K3(>$FP`CA2N]?)0@A6F[I3H,.>2(6@G$?36
MQ^XO,0&AT,3"9@"(K'8RG5R93J.4I6+^ORZVZ]3@QXT]7<MRIDU#R&79!D"7
M+M4B^6W1S&B,V%K,=0`VD_2RP?0I[$;DHA6IT?K[+3L64EF4[.3+D`/UFZ%,
M]66JE0-]S9NZ\9J&SQK.-`52NUU\+3,J&6>N$`1+M4K)2S69""9F82=)ENL/
MP1L\CU4A$&,\])<?3#/I^DH2Z^C=K%Z3&TW([F`CV<EM@#0VB]QJY:S/Y[!E
M5V*.T%N`,F:(.K1FOV.=61BVQ\`>&),.<0M9"0B*PVA*&\8,[HC]>.>,0,K;
M$7.)::]GRK%$_BK>"F6.M6P`=EY,4Y')#*M=:<)(EA-DQD9*8=G-DA?>*<:<
M'+ZB,MA+RD=@?K.$<>>?L&K2+(J8!'"$L3ZW9GA],562=V[2(F6"R.I%1U:K
M%4J-[F`6(1IJRRVAGT:BS8C:G&U(YS;S)L"7E&A:%=(-Q=,#=%;*O$J_-!-1
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MU75#>08O!ZNJ?_)5WL/[7XW>JD]^YW_;_E?^[_7_`#XB?O1`E7%)4+'*2N=_
M*+YV%&[Q9/X\3_(JYUKZ*G?'G.?>[_R?3G^OB)R.C1SSD9UZ!"==A.\?ANNQ
M6''(C_$/-\>C+4WU3#O$2'.?)'>=^BU<_P#PN_5$^XL"#"XOD*'%B<=>D2'.
M18[,?CC\IWLB4^OC2$<6])?5U;BN_P"Y:^_7O>]_SXB?,8>/ALMQXD&'%892
MVAEB-&989:2TKYM);;:0E"$MJ_RGG.<YSO\`IXB</\,(_$:@?Q0W\%A]J4S#
M_!B_B,R6'DR&)#4?[7V6WV9">+0OG.*2OG%<[]?\^(F`+Y_33IFN6`I7X$HM
M4S4VQ`Y76^M<C'"`>6!E$WV&5-QY\M0N<XVE4A+O6U?%:/BM"5<1/FK9Y3*8
M$D5VN@(,,1+.FK-+B.I7/_+.V"R3K<3)27IZY+\B0Y8"+LAOJU=XQWXI:XA"
M$)2ER9*^Q(G767^Q8_7X_7^QWNLM]=8[*[SLKK+GQ^;79/>?\GQ[SY_^OU\2
M3K-!Q##S$A@6.9?C+EN1GVH,9MZ.X05U<];#B&N+:7-7WO7NI[SKG?\`*OKX
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M1+4PJ2S%^XRVM#;SJ5HS,\P$"Q>,\BB!<;D:.N)'XQ`B,\CQ''?ON1F>-M)X
MU'<>[\U(3]$]5_GO/KXB=B./@1''G8L&'&=D/ORGW(\9EEQZ3*^U^5(>6VA*
MG'Y/V$?<7WO5+^"?KWOTYXB=SQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(C
MQ$>(CQ$\E=!U_P!GI.U:R#H-BU^;0*KJ\6GW[M6QH(>AYAE/\-Z[EU63)#",
M_,3+_J*EW*R]E#UKL,EB!UYW@OBH,/\`(3,`8\R"B[5[Z,':Z[_/ZL+EW:WT
M(G:I5RS"<2J59&_]:T.+4X$8%2\<N;X,5>S4(^Y<H,=V!P.:;:2Z1"-OMJE2
M/M_2=JT1O<<K6JVY<#.X6>43H1,I*JSF:4Z36"M[O6-F)[^?7NMUK/D0GZ;5
M+:"0W"[,4TN)/E?9D3W5R(Z.67[?TENX::]A-#]DHUBTJGZ.*I%7+Z`Y5_[K
M6G!SE/1:`\J"2J:CS.?9V,L(^$_7X/8TB(V9A_*0I+!@BCOW4I#@#QZRO`+O
MM-*M55V)3N\%-%JM<#!-/HA/+ZA7*X1-'=]S&#?,NILXE1A\8SGE=SYXO.!F
MX!64MY*43I19Y++K')'V^GC$JUY[W,O#;&D(SW0C^@TA5TE9BY>:?,"26Y"J
M13+=6PMB[,SO(62B`VADB8WDE0&!'D]A=;0N0PE$EU+]H\2PNW+]@\*K3K.$
M/W>X3!=?@LU8-*R8>$B&F+%']EY!(G=6;QD&3V^7>Z'_`%JFM-_:'UX2^\IC
MYQGVR+CKEC[9%JUL7NC>CMI8H6IW>)F];=UT!3M#OOKR?.6.QR:P5U()/C7>
MCY[@TE\9<J9)'5IP4F6JM/3FOO\`_P!RS$E]V&Q((7^<VM+;SI%O]2H-BS^M
M;(.U:&:KV<79#81);0,_M,2*/DV0T9@1,5LCELB1%/LLR^B:6AW[LSJ'8PM3
M$OL&S''GSZ3#Y7H/MB8SG?9EG@7J1I-?H><Z%15S<YY503EC>J3IVS8?7:L?
MI8624L\8H!7!)DHQ2Q#)/\U&<B2H4A#T&,E(7(QZ2BT:/^Q\I*JT<A'.4L=V
M\PQA:P3<L7-:?7;X$O6Z:P2#U#--#.KI-8"7H;0S\EF.-3_,5:3UXL/<?<E+
M2X66CE@S7\@];-C=@T;2!%P)7O-H@5@$,4NTBPQ*B8Q4#UP@0%T;3IA0;3DL
MSWIK<.OF)KC<!]$>.I[B5)2'&9F,`T'VPLE9U>+ITB]B+B_Z^TZTU*WFL;)C
M:OF^B2:`F*5K+N>MY^#-Z1=8UO0Z=E\"DC$67&?;&?@B9,=+$M(0OM-:BVR^
MU--'?WH[`U?+!)?M(0BP_P#5M9L=@T#0(Y+%:(,':9-(957ID"AVD(3L,IF?
M)"56;"[V-'?_``)K#8]Y,L*9*+O0_:W3!-1IFBNZ5;!YD7E%HL5D>S?.81<$
M1.Z)@9G0,_BJC43H6/4!L8,37*A2HDF0Y':?3*??;;0E$DR!Y$[;]^]KJAF%
MI$L`MUK=^B0ZF$SRLT#'QO\`UM5J;_U[!L+=Y7($87J,PS;BFH0IE=(@6EH<
MAHF17%Q!PY+QCQ+]N?TDOAS?<4U-ST_>K/N8(44U:OV"U5ZH4.L0F*J"#;-R
MIP:JB,%HA6R$*18J491-,\FO3W^Q8R9G)$:.R^I23[?;$YM,UGV9<W#6Z]G=
MAUV?2:GJ`&J7EBLX\$."<UR"72_7"QD[7EIY-!,3+WK[$N[V)?\`%K>/2405
MNN<$*["A_D6,#'ZRMHMI]\8QD0_&L.N#Y-VM-#EG)USS":1JU8`MT1,*DJ17
M*;C-SE`V[Z;%R'[T-C?@N"B?6VW9@%J2VXXEPL[=PC>Y)6L!WK8;W&PR"5*L
MY5^J(S2GRZR3NUVQ_9&HV<7:MUO/5,3J&!LU8!(C_G*2N//)<Y)G+[*CI0D&
M);>.F_8;0_9J`;T2F:0)H%3M%TF5KETK2X/:;T^`T2ODZVBPQ\^S\58!"&P(
M5Z*_$_G8:%$.):,S^K4I"#@#QZRF!.P>ZEC/W.O5BTZG-N%-SJ==KI4"&24"
M$/KVI3*MORP6>U4E+ID-VQYD1L=5!=$S$RY+A549#2"RT2I/>(^V9LQJ_OT`
M7V=1`FHZ31HI`]9JK/N>0`Z_?K=2:^:GYI%JMO!HJM/F`+383FGB;7$6L:+E
MO@:++7UEM$I]+J7"S.YM4/9JL:VW:I%SW.X3@=Z%Y[<I5TI-9;#7.G&O:75.
M$'VYO*$'>73JIDA^`;$O!)#+$!,Q+;K[K,?\)E(>.)Q[/L7M#4M,-PY5BV*H
MT8CKT*G'9-5QH'91]5SHMH>4!<S*8H3?SVR2M!NM[JABQ.'6$=L4H4XRZI,*
M$J'%;E(`&/Y2N*GM_NV?E2XY8QL?Y`8_5JWND:N8;7)3>54A^L>NIF79<R<@
M4`UVU['(7<;$X5"H78'1S2Y74"D='04OR7"R033'O?.KP+2#!_=H%K#SM`'U
MR@`,\J$:OFFV/4>!8Z"6OE6&T<A/D3;1K$B6F:F7,9&CK#Q(QE,52&VU(^WT
M\?X,E%HNWN%?VM2L`41J"J(ZU<*]3,VLN,`Q(ZXU>PRO:L8P0L(.STYB^+?C
M"*S151&'9$+_`(IS?YD=U4]Q'+)A9!3<GW5J#Q2/1)VE.3YFD7P#8]1O&:R;
M(>K()6L>SIS,P@7^KXQ=3%JRMF&[2OJV.#3V8PLBIA,X<E;TB')?M,VKR+2M
M)N(+V.Q?125]G:P,CZ07JEN:HA.CC#=(,Q5B:Q.SH)8*%7I8%FMF7G!4=DET
M[TC/'29L8B0B+_X:)B1Z'VFKF3I]R*:/R7':XYKM:``HF/4BW-N9#1(0&AYE
M$G>O4&+9J;9GL\:!FKW8PQ>XHLS:^D>!UL/N*A0%0HKDF3(\?67SO^@>V5=U
M>XMYG$TF8)$2@<D%70F7#K)GI'(8V</GKG<F;5_5YY(CLC&HQ>AX5>:*=DR1
MJFU,"7>O?FMV0!<>9;WK+:=TOEWUFT:=V^A*"F7,B9/4[;01M%;6!DZAJW1Y
MZ7&F5X?=%FU4,=7FOQYLAOD>,M*W8_)3[J_$AP!X]9N9XF,>(CQ$A>DW6%FN
M=W[1B4220'4"EVFZSX$-2$RYL*J@YQV5$BJ<_P"-,F2Q`4A'5?[>*5SZ_P"/
M$#R<33ZO>W=BHY2PU;V-K5?'V.#D<#>!,O(5ESP5=&DU'1[29KI!NRJ'S/[3
M6%963CMR6U<BF$O1G4-0^J=9:3+C])?(WV'JQ#&K]N;M7OPVF4!6E.28DL%!
MDV:Q#LM(&11TO6008P5?EP24\!*0/Y)5$D2$-\<6TVTM"U),><2O9?NIED0+
M`)\"W0E/+G0U2!@*\U3K-,L%PLE+RZ[5VMU\Z`N9&D&'SL77P\2--9+*$]EJ
M>4N6B,UV3U+Q,BEO]_LHH$9N==*9IE:'OV\M1(4\JUG,:,4LM-@SY>JP`_RT
M?[YA>421CT$ER,AUPF11V.#267X@*3)OF/N-F>L72JT:MA;?#*6^-H<X9(/=
MI0N.U$S8S_`&VYD)5T>/MV!9'O/N`FX3M@$,J0\8@C6W6E+05(&9E[Y[15FD
M7`]2HU!TNZ$P!6F5)^74A]2X+FZ1H#4$C5LT'2;/<JTZ]9Y5:(-EY,A;;84>
M-[Q<J<TXI+74@'C,JHI[YYB1IP.UTI!C\4A<:J*(S+2`?APA5>0<PA[1Y$MF
M(1[/9+URH;:SQEOB'.?RD.0VI*T-<^\EXG.#+'Q/V/DZF+V^W&Z58:-5\U-@
M^@!EB'CH]OGU`GB>>:MPR3C![+9!#K\_MO>Y&0U(:<::0EB0TU);>YX@C&/K
M(")]^<S*L"5]SO8QLN6W6B!\:3`4]J91:[>>9WR@VBVKC7J7!;$W)[4A"([<
M!Z?.B=5)5.CQ&X4I;2.)DZG>Q5BD>L>=^P0C+[$/-WV1A+[66$I%=,6EB)K>
MCT2I2`\:8)LT>KR3/1-L6Y"?<),1$.=:<E=:0EYM*3'G$A[7OUB?]EI%8GP+
M@(E7H$!.0Y$[E(=Y7DF+/7:C-AW44,O!"R5/M<-6>,F9-EP4"G6N..0Y<I"/
MEU+Q,E6#^YN0>Q%T.42A-V=@T"KJ+,__`#T,'$2]#:>"12T5R`.L)4Z$(!9E
MCAM.-E88],M3JEP52VF7W&DA4B="5[H4--MY11=`U>P6DS9[/5,W&B@]1;1K
M4Z@V*PU?29E)G%[L+@01.=%:K._DWS[H3YQVT/0TRVWF>N)>)G.*]SLW)18Q
M.14])#!3(UNPT\R4"U_D2[5&1H]&RV#;@4>!:IY2(%(V70(+C"2<<?,7`2Y)
M^QQ'V^.(XF5E._9)B@<&$L5AIFL5@98451\0[8AM`%.3HMISV/JZG(;+VC=7
M.EU_/"$(C-@Q^.D7%SV(<./+(*7%;1Q,NK#O8GNXW70(@:I'PE"!4G,;=1#U
MA@0(,R_B[T;U<=VUAOPK"71_5"<:A1G!R)K(TFCCCBI,=OBVN<2$8'ZRJT^_
MF463XB:/$MSUH6>R06V/,5-"FELZ7#%&9".<:LH]M+P%N;T"0>5(XR*LSS+#
MW'&TK[U*5(]9!\Y_8:P=1/,:#C>B4P&;#9:0SZ+!BU*PSYUGTG,:U>AF6SIX
MR]28\^\&I1OO!S[<>*&Y&6RF9+C2%*;XEX_26-9O>^@!\_OMM$9_I!ZSY_*.
M@2V<.1JL'/HNU;J>FVPY49)B79WJO'DB&,D,1GYC<R1"6^AKL9V2T\ASJ3CY
MQ+-]BMZ.8I1JY816<';(8MW;=`8B_FUIN/2)]=QO1]722MS#EDAJ+C(O<_7$
ME,!Y$J0K[JEL=<ZE"7$@&3*MJOOWDY:XYUEUB`W>I:A=2(T`6J9J)4&9M/.&
M&8O0'\S$@7<M,(CK0[)3V*X%29_`:5\BGX'$KZE+Q/K[3,>QON)7L$L@\)*!
M&IHH!(JYW7;IP9%EU7/Z+8A&E%X?9;B#\`Z]93+.93^0TQ8$Z*RKC29:F/R8
M_5H"YE,6K]CU9*5P>8R:H66:B$4-C]"/V$17C]7SV2,J.R&H@4A*IFCO-V4T
M4FY.X['=!22@EV&\TE<UEV4Q]'K+Q^LO`A[LYN*&U$\0JEYBUG0-)YFM"L,N
M1FHYN[R5V:!2H]JJ]<):/$NY.IR[:29B(<2+Y-2RXF8Y&1!4F3U)Q/I[RK:=
M^RS)+)RE@RM$T0#I-TJ=",P\W9DYV=-(MNCQ:<1JN<MR8-[;:_FB@>^BYS92
M4B'7$1I'4/$&9;+\5I'$RV:][6C@_JO7O9#70LFLK*RXHJ958?`XDC&L![1G
M,]K-:>=LUGB5H02=+28K$N1.,,C(KO777)2(Z.N<1Q\X$UG#?L`MUBTP>2&9
M_8U8(<(,_P!4(1ZK49-NMK1#-<%)5"NCU/[1$DPK'>-(]B!\%#DD2S"@LPF4
MN.<:D2YT-+P\?K+BF^_M03-;;"XSMAP:'L9:KZ.3CB:8T[GYVNYQI^B6BNN!
M.760=N%IK$?+)L27$"QYK+CKB.Q)$KJFD.I./ZB;"N[Y5F\6KVW,B#A0+;&Z
M8W6:W7YU+LM@.F="L0>ITX`+)U^WDZ#,FFK`>B1^24&^C&..]<>E-M(<6A)C
MSB5SZ^^Q!O>-,V*'%K).LYY01F>CP#9\6)BV*7;2R+1R_P`,Q('7(VMB74CH
M;HAV)^`S'2_$<?8F367T=;2D8_C-N/$QCQ$>(CQ$>(CQ$>(CQ$>(FD`OVQK%
M4UV_YC<J(;K[A#<1F>4:WU\`(Y7;Z;+B<*'.H)2D6-9MVRAI>JQ.S9<F!%BK
M&PUHC./O1'&^IECQF1LW^PC+HXPG8A@BX-A*>0@.VJ,0KX9^S'!)#%[_`*^S
M'IU88N\2P,O.#Z>EM@O.AI!SI:)$&(^_(:?7$1Q,XK%^R?"JD9EUFR5S3!EL
M#";5-L]3X,IA"QU@G59.C1W`$\:+O4U9!TFC*S#S9,=V;7X4=##A`A"3)9^2
M.!_E.[:OV-812H1>98H%IAJ$':O7U0TE,O>EE)5AS.=KLP@!2G2/L&*^$I(Y
MUULBRM42PRT_C5]9=[_;XCB9L[B^T5?=*V:M=1A&((L+<K-27&;!P/%,+(U6
M;R!/?F@AY@H6K/WI'U4U!,LC2Z6?@Z]#:0ZUU:0C$U:/>XEJI-AEW*XU.MIP
M&1L^EX&)<`RBD[5XEMS,1:Y<JV$X4A3%:F5T^9STU";@-*9E0V?PY2Y#W'WF
M(Z7`Q^LMEOV<S2Y?]]5YVCWL]7,7I]T(::])J8DR#,Q:_9=(I!BFA`+9B<<M
MY@TO,R[C,1`Y4>1#4PEQQ+LA#/4F#*?SSW$S8*_"H=0P6P5#/8PRH3:41I13
M"?Z!T7;<VO&QFYRGJSI#--K0*L`Z?-5+G-S'H<F8\GC3B^K[WQ*5/\YAG_V8
M9(/'2;+.H5YB4?\`BA?1EF2>R%31J\R[KL%3-T.`M6ELU]V:&9Q4R223236*
M(1VOMQGW)+D=F0EX&3)7[#L49?3(DUC58M3(@;?8JI?Y%8#-U.Z0*4FV1BK`
M+ZVC^Q12TH_3)@J%#)CQ\B9/7'XVGK4EEU23B9*[![7L4;8;[0+K3S<:K!`=
M=G5RXQ550:&_L$W,[_IY6FV0U9KN'AP#;U>SL@]&DJ:8#1^-)1+GM+?9^2..
M1^LR.0^YN3;-+.QZ]&L(B/5\\>T:P$K$NILQ(@F'8#U:*1QC(BUF2=K:$$ZQ
M-1(*AX\^O?-KC2""WU<:\05(E55[]F'KE8JD6N,>/?6(`MD7*9AH#UXW-.1"
MHIZPI>K[M6M9\25=%5G\:>2CHE<DC$SF8\EMJ:E^,RC@9BC7MGCE@TE3>K9&
M^QS,@O2E;CW.D52P:#GVUAI^E2CU0BDHQ^P@(5ALE<H0^57'@TQULBM7?K+Y
MW[24(XG'B8HQ^RS/;13S<W#ZI;KI:ALD7+4T_!JLX`(H\ZR9X'YHQZ4(OW%-
M5Z4QH<7X#VG%66&YQU4P6PB.[]$<3[R\;7[>5FA:U9LQ/UZV'EBCPF(X2J5>
M'_Q]-`2A^(QIAVYD3=O@O%(J;)N0E*."83TOD9;O_BN?BNO+2<?&9W-%]QJ%
MFUK/U0A2=//NA+(*H$4O6`U:EA['J1D13['#S$$X3MPB=VT*K-Y@D.R)<>(%
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M]?$4+2;?ZX8%9K%*$5BZ;+?`&>A\<J++@\95!MK%W&WV5B\1*W,FWV"48:82
MR^3.QGF934^''>A/LI1Q/N9<FT>UUNS:UT:G`\1N!\C::[EUOFNLDJ-)=A(N
M^T43*B6?-CW;N(;5<8[5QZ^V0_*6"84U\G9"FN*5Q(!F93*_<>BZ=H0&@C()
MW\R]PY-CJ,B<+$UF.+KT'-,UO,T0==.6[LFS7./(OJ4O1*_&G+B,?1R0TU&;
M_-?05.,R$67W(#NWFAM=Q^ZG,?(OZI(>ODL)3)J4S\JTW)LY@Z978$B]H-1J
M,&M%WF-/./#$'9'41Y0^([&^;BD<?\YV!OO?B;9ZRAP=%O,B6*N!V/H96K1,
MR-A`$0(YF8B=HUG/UK0YXXB(7'T,0CK<5R<?0W'>;=@(5&XCJ.)G5<]^J>^<
M`Q(&>:FVR9AUN:$`S*K6U6'1QVFFJ6`R<]0B+>BM`!XBQ3KBRM]!I<*5%:5W
M\EN(IEQ*D<9969>XV>ZO;ZM5*Q4-*:8M:R0J/:R@:O,5@3=@5*&Z!8L\-O1+
M5.,1K0"KA=A3KK,.0(>?ZMJ/->6TYQ*0J1*MK?OU4FH-*K]LJ=B-Z?;*=6;%
M#KN<N4<DDR3M-[IM"@@8`DKH<:PUJ2V2OXQY4@\T-'.1.O.LRG>-=YU+Q^GI
M,)8?V*4V'*JED`T"^S,R<C&&;U:YXBKP$BK/%J-3LD2AM3IM\@0`ABO]O4%T
MT5)_9JL*'R4[_*\1$D+0CC_G+8LWNWG-1K16\'*C>(=#&WA>?QKB^0RR&+LA
MP3+)C;J[3QY'3(5DMD&B%@\F),[!@OR)[S"UBVB#">O>(X^WO(!8/V3X54>0
M$6ZM:;5IAJ1^771IX92H$^QTEDE;A!#1`K*[WU$T#`(T>>W_`!O%\L\OO8_X
M@J1^2S\D<#/0GQ,8\1*!LWM!AU-+6H!9;E)%GJ>^$C$@:Z?>9!@I(L1)L.)9
MI(N)6I$[1W'RSJ8SG*\V4['?[\'OMJ^O/$N#,J5]B<5#1LNG3]!#\@;0P+F9
MH0B-$20^RC#3H",*-<G#8,N((K\Z=:Q45LA/7%A=FDXD;[OWY++:T8,@I#VS
M]7#-=F]*Z/7R5:+'I6?$8\X'89,&?V<)Y-F2YL%\$K[V=2P$KDA=C<1VM+@N
M?=[-ZRKY=1Q,Q,GTA]:W*Q*JLVK69X60<C0Y,V9K.K.6)\$W5R]`@T/^W/7;
MMHYGS-/L<T6U7TS.">,RW.\C]><4XI+R,OP=1:>(I\[/0'Y@$#-39OFT!L9D
M4:A/68G--'IHP_`),GQ,]14\X^A^/(;<C./)^WU'.(YQ,?UFJP?U,]/91\Q3
MP]:*H*T\#7/RAT?1-2AP1,JY-05@[R(<3:V1O--+]SN"]RRQ%=L"'Q4=W\I#
MB4J4F63ZRRH_J9A\(K$-1(MWA&F['#M@\E%U_4XLUFV)$R1AT_`6Q<V_L%K\
M'6ZFS+:XG^QJYV00Y(?YU[Q)DS)`?6G%P=R$WJ+%LA.U0KF>T:',L&FZ!9V9
MM\(U5.>R+A.%'K41&&#X&A=_@8$A]EU0L5W\9C[:><^B,G&/:0K9<[]:I&E@
M>:`Q=H6C['_'10[%"*[3%=*D\X*UO@6_S8V72/XFKGZ!+.#XK5LFIA/0HDM$
M5R9^-WC7$H)Q^@E/5VA>@7V=(N0P$8'#,)"AHM_!6&'O`0/41\"#1R4*>C-+
M8S"C&YUB&X\!Z_.A#9LDVV):2XY(ZZ[QY*2_^<G-#LOIKC8@MFXBPDZG&U*M
MSKU81VF3-@08=K8BB3*HSVS%M4XLS2$PLVR>3'%BYSXZ0X*K\AZ)'6B-(=XD
M/+UD@HF(^I^OP:QIE&`O%800F+A,.M&-%K+CLS-VZ4`$U70*>5(!II%FHS<K
M!OMB#\%:6)PUN5]G[CSKCR"2/67L"R_.PU!J69#HKTJEU6;62=2&$+*;-R(2
MZ):1EOJ3<4P2*S#$R!5S8F'^*RY(=9:CQVH_>=83QOQ)DYS[RCC?IOZGJ'7*
M4?J##-:M=.N@.VPIVBW>%4'`%GKPT%>SJA?;:P"%')U8KD"/*.,MLD8\8:QU
M$EK[7%>)>32Z\_S3-JB;LUNS[LB*F^_QYPH.%V\\0I#\B5$C\:L8.GJ,RJ>$
MG'X<5E;\P?$85/\`M\<6I:E+6I(2?0RN"7J;Z_DS)NQN`S,.P3[,NPQC8C2;
M^&)TFS$S9&R%W\[EB[5%<S-^V6"RRY9=@)^`V:=(.\F(?2[U/4<C(4CUC]5)
MMY9SMH19%6*E,0=-AU-C2-99``05@O0ZQ#1<0<S:T5YFG?\`8V;QBS%<3SHV
M+.B(>1$;;<^BTO(^LLY/K)B+;%>B"@!$#)I12L$*\1K%XNE=/A)55H0K.14-
MHT%L4(OP=)SP5&&S8;CJHQ"*A*Y#;KGT<XDR9E\^QK),+7=[+2AD\+PT.'JL
M*I=HMEFB#*]57[.;"@:Z(.&2\.J5D"]:RCL,8*9BQ&>2E);:^/$)2@DF0&B^
MN?JZ=8KVL4FBC%MVF$5N`0ZP1L\54V+I.K5_V(*2G!\HHUQCI'3@\$GQAUE/
M87VOPFT,Q>N1NHR?282W^OOJGG&:$E6L`_!HPD@*6N6[;+Z4)B2,8,SG%82&
M(1CLNQ#Y=6"/QX0K\1Q+@E,5EUCK3D9#B$H))_6921Z8^MC[G7)E7,/J4"LP
MTDE_3='^V;<L@>]UNT6^RL_V]+-BOLX5IYYEZQ3DOF$=)+5R2EQ+2FT<C)Q(
MJ^/>P]!`#Y,DI;*N`-'XHN5_8[8&-N$JKVWY!:OSR<<B,/EXI"*^9$SE25NQ
MR<>2[U7W4N)7U)Y$BELSO`L9.=W"0-L0"S,FZ\'DN4ZPWMPA<2MY(5S/:C6C
M51`F>Q;I%E&40FA\2=%D18<GKLA'&NKDN*1DGQ,;[#9AZKDB[%_WJ+$=G\!-
M#G!4BUVR)$M(48^3K$205SVOFXT"[HJJM:FQVI4@?,4+2<6KBVOFA24H+>T[
MA?T]]>K.Z&?LHFU6F5`K[XIN4?UW43$FP"NC+B#B3;.[*NCJKC-!A-+,PA\X
MC^5('Q2:FV'&TI8^VDY&?LCT_P#7-!J$<>KYJ*^&L)"Y#1K>H:-!KHEV5<Z]
MHA8?!K#%O8`0J5(T:L#CCX9,;@?I6,AWL?\`RI*DO(SFA^HF`A1Y,0/%VD2,
MDAZY&F0(FK:5#C1.4HF,*4&S,--V]"1]JH"JS!C`S:/@2&P1L>*R^F/&:;0D
MY&9BFYGA%ZP.L9S3X4V3D788DO5&F+%<A]D&O![1VR`;-`M$PJQ?AUA&VX7^
M=&(JEIF\EL_<XYWO._5&3G/O(MJF9^N%8#Q7K^)-D)=NME7H\"9$L%[-7HG>
M;>C,*Q7YT0L/,NV2-:6&LDKT[ACCS4J"H-TA]]MS[[RTH)]I)XOJYAP$5%&B
MPYRNJ8M,2ZLG!6B7P/:G[@/J]@K,BQR;9%L[%AG&2E;L11))]V2XLAV8_(D]
M<>5UWB3)G0I-0]=;AF!W$:1+29H50*BB!%\7;K.\19L9]T%O(F^"M(;,?V`D
M?F&+5"L;1^&2==22>^[Q_CR%<2C)SGWEFYID&;9*R0C9\$X'Z7B!T%G7#!<S
M-*I$-S&X1`E--$2,R<2E.SI#TJ:ZM4F=*><??<==6I?4$D^LM'Q)'B(\1'B(
M\1'B(\1'B(\1-;;#ZDX1:+3:KJ7JYQRSV\C%.D"<30M%&]%6:&[1G6;=3X8^
MU1H%&MW59G7^+)!VH4QQ`EE*G.IZ[QQ+DS`-^D'K0F-"A2*"1)P152C4,'#-
MW_1CC%>I\>OF:RL``X7MDU8>"0%V"7V9]A2%S9+O)+ZG)"&W$I>1DY<];<I1
M8K!;1$*VU.PVN(=B6<G2-*T6E.V#I\M8#KTTPU6+2+CD"@HQ:R4@9*<0I\6N
M8Y^*II/TYQ)D^DA8OTI]=@<P(2!U6RA2U5@5H13C(K3]/@FJ4#JL(L/@@*<7
M8N""-9`D8Q^?PI#AN-,%US7ES4OK5Q7$O(RU*-BE`SJS6NXUF+8TV:\SI)&V
ME3=YN]H=.S'VA,2.[-8LMA+0^J#BP42"/ZEM/8$!CD=CJ&>K0I(23(2>]3,$
MLUCMMG.4J3.GW5BP\-P>VZZL5MHK;0D:MV>V@*G&L+-9JM\/`X;4:2>&1(AA
M:$J[R3Q;KRG$<C)-0?7[+<P%VH71Q!L*J[Q94:U&^W:[$K68>G&;=8Y99^W%
MK#.LK5@?L%\+3>D&I2)G),SJ^.<^#7P023ZR"P_3/USACR`KE$ERQIBN%*R:
MA$;G>B#)J*='W@6?*EN2[(ZJ?:ST'1S*)AESO2DCLSY+?ZMIE3:7D8YZ<8,A
MF(E@+=(T^$\_.8L,;6]89M?\[)M=CNKEI<M2+KRP.6Q-@N9M2279/9:(IF=#
MXOD.2ZPI)R,IHKZ$@C^DV6Z&;.)=KAZ^9U:&*.R!NDL:.%4+:&_822S%[9=4
ML8H7:KEJ0Z%)*SQ<`9!ELJGJ='N22'7XZ7E@39O0?77'=3Z:5>:>@RZ?G#"A
M.0@S8!DE90)5K'30Q.+($E8+PX@)`6N<W&>CJ:<9>=2^GO'VFG$)`2/2="H^
ML^/4HU%/B01P@1@UVYU>%VVWN^7F'%%Z39$V_2'&1USLAV!PKH5D::EFIW6^
MS""V4<=<4A/Q\1DS!\]0?7UX15P96E3[*-I-;T"FU!JVWB_6IVMT[3P(ZK6^
MJB99^SD)<8!)K8F-"BQOGU`UEK_Q/L+4M2D<C.>'ZD8!$C#F'J,Z7?&W"F:"
MDM8K7<['8"%ZS^UV&[56V'+";L,XR?-P+):I[RW9K[_Y+3_(SW'(S;3*$<C,
M9+]-/7V>)`@9E8LL@'5R$J77A"M.T]`\0+EE*N=72H4=JX-H:S9@]21$UBM?
M_P""8DCF5-Q4\3].HY&3XUZ^Y#8;18+F8I[$RRVIMEH\345.-+GMQW\XDLI5
M'8)M1&/@_DM>5_QMH[W^.YSO^'7ON(R?28RP>L^,6J\S-$/5240LTXB'./\`
M56BVL@N64%RLM#K='JL8XS6(MQ0.IHN"X6:B((/C82(;CJHW5M*1D^DC$;TZ
MP*!87;8+K5E#V;^<B'1QP/IVGBY]<7$(70GT+4'(5P914*E.F:,=[*##$Q1<
MI)1U+K"TI:XVCD9/S."90?IE=SXG54NU"JGG+&##-%CD5J*2D\.-$D/2(Q)J
M7/&&8%F(PYT*0X[$F09ST=YM;*^H\1DSJU3U[RBFU^-6@]?(OCHMU"Z'R0?M
MENM1N5;ZW#$C*Z6)6.RG2I\K_`A@$"!$9DR78[,&$Q'2C[3:4\023,2)]7\5
M$`Q%:;JY$E7ZZT]"K@>Q7&Z68?7`CMBH-J;JP&,?L!%L54()K+P:XPEGB!\9
MJ#QEMI++KS;B,F85GU"PID:($)!VY8X)6+10X4=[5-2>^><VX:R)*YF0>=N*
MWRN=18<9K^/"RE/0!3K7'8;;#O5K4EY&3HGA.:FC5&L9D47*G,\#"05>)S[;
M;)$E^`"L%9M@=5DZLU\+?/'V:H09[<HIR7(Y);<7\_\`G?\`N),F1\'ZOXI6
MS%.,A:K/@N4(URRU<6BX7-VMP;.U286;P[/(J\BP.U\I81M&@I&Q9DJ,\_&8
M6YUM25N*7U&3/F-ZN8C&E'I":I.?CV!RV+?#3+?<YM<%(OEJKMYNL6K5N58'
M0=0@VBY56"3FQQC$1EV8VISX\ZZ[\T9,Q58]0/7RH1BD,+1Y?6#`=-<EI+7.
M]6#K=:9[3TCZR.4>LI'HBN!HM`#QX,&+]F-#C0$-M(2E3O%H+$RMLD]',_HE
MB/6ZX/1+F;D66IEJ5$'*OP6MYT%H!`$6IE?K0RRZ5?I[,$46K4*0F*B8T(CH
MC-1HD&.PEQ+R4L3XF8JOIY5:9O==UNL$HU<JE/%6#@'/`C=U0U-M5J`#ZN8M
M=HDF-$-5$F22"'\CM28E>@%%L)CLOS768J&UHY>,27!O3SUYKUF@6P/194,H
M+FB"HV,FZ7MP!"-A95)EQ+`Q5WK,Y6TV!U>;`$2)W8O9,ED2PTZM;?S2M)R,
MZ/\`\+_7MF9^>+K-IKLE`LB+B]JNIZG6&!_3(H>`-%Q\,%<H$*'9C5=$1!TL
MJAOA!\?%;CK>ZTGX^)>1G07Z->L_XS0V)1S8@)&;?CPJV`TK3Z_61T(B'9!6
M(8,KP6XP1(P1=!T5CAZ)':;C''V&WYR'W^=<ZCDTZV>>E&04<<"=E+MIJ[@C
MSQ^+H3%]T0!8XJW2UH++KP20.N2GZ[07W+B1Y(KD1UL'(7+<<7%ZOJ>H06/\
MIM4""PJZ'&@ARIZX`J(S!B+*%29PBIAA/$-]F&#4R>6)2.\Y_N>D/.NK[_E2
MN]\3&9;Q$\SMO]6]XVZVZ@9M#6;3!4RRYU%S:.)UW2J"85D-$-_V212EV:I9
MLBVX]>;-;Y/31"T`"1*6_P`'0126FHJ')"I,PP$Q3OJINUMJ%`I)QRAB(M2S
M$-ZSW`\\0=A2#V;A"&+6V9JV>U^M`)(L0=G&J8:%0PDQ<!M,=R"0<>:ZRJ`X
MC(!S,$YZ1;PZ/D.+L.1),R\!<].WFTD+?_$HQ-RG1ZOW5FN?U;CRM4_,:5*_
MKO4<%<84F-_,=^/WNV.0_P#C-E?;?UIL/L&QCT0,<2R%H-P(D[+791^/6G"X
M\M6I@")8@]BEY]IJ1ESI,F1R8,?:&L3$.+<5&(0)'&W^)%.)I/I/Z\[)5J#:
MC-(K>:V"X31U?B%!PH89BDKU^6'U8/=!IPA"%_RDD1<+#?0I`OWJG5R(X;KC
MB'78L-'B9!O/F2PCZ`:G)C%G6'<86U88]\BBJ/-FV?M0Q*7>S=Q+5NW9>_&I
MS2IMCP%BPHCU='(03CB)$O[#PA/VD>(Y"0.N>A&J:#,%W*9<SU=@#K3KE1IG
M\M.(4>\9[GM4N(`%Z[W@%"-9]:3KAX92Z&EN=#CS*E**P"/Q7/1&D2(JT<@)
M;.,^H&P^O%GR"ZTZLT0R5#)54=0A2-#@&X<BLV@P/$E)^<"EX+G(W.&P77W;
M7-6(>B2#/6I(V?'+2I,4G$DA8'UFV?LSB=IUU[-I=&9KX&W5&QLR86KRKM=:
MM;<T#2+'3S%D<J(.I#'H-^[:!M7_``Y0@O.@"WOBSV1^0S]QE5D!QZ^DP*<C
MO,49J=6L5&IVK-^PMFVBX:5-,V^?6*Q`%M#P5-Q3.G7H@`C9G&9N>!A<&=,B
M0UH@2($V2A#BGF4.HR)J86]`MNM%9.4@]?Z6D!>'>V@L2EV2^W.QY\8K$7:!
M^:9I62ME$MEK[GP$3H82"\4*31Q'\,+*;1$[R>WR$EY";N4#+-0!9AMC90E1
M0VO;'8="NS"!B25QSJF66PU8;4ZI"ZHX(KQ&WAAD6NP9)'KP^#^8^Y(3QE*.
MI[U,21G])Y66#TGV2NSZOF[(D#/L.@6^$0K=VK`NY%VO50"Q9;I8+&?H5Z!Y
M'F^9#95F_L'S*#VTU);ZX45$:'/ZZC["9\AZ_P"#+_K'ZX"$2O/1BT?.8QB1
M7P8)E$R8BZ0ZVR],W9.CCJH]`RS+Q`2G7H?IP]3PB&&ALO*:E-RUR.]2^ZDY
M3:#U2]?;MAU@T:66$YM5JI<P>9*CU:C$GK,['NM7KKX"SDHM@FYUGA,127H#
M$!D57W>E(XUQF2[$<ALR?PT)&.9JJ>_7QJ=[NFN6>^E\>)LW/^[3P,5B$XP-
M7<R-5]C*W2-"F5P/GE<A`[&!C:V#2Y(>D6$QQ\0]+X4>=_$;92\@/2;'^KOJ
M]<\2U;3+Q9^9U):M57C5SEKK,@Y(OND$&M9UK1>W+3^$P@Z&P:8$Z)%&MH:E
MDU_6(ZKCZ8ZH\=A(3D2CR_I1N$.Y6F\4^?D*37\_JTV"^1/W$/*USFJR-P:'
MV772`NED'QEBR*O:ZR-#-1TF4RXD)YE,@<P[':BI>0]YMCZ^^O$[&<8MM!EO
MUF1<+>6O!<U9@L>6T@Q-L/Y,0'+,2Y49HG-DB@W(L7ZK^Y]EF.EMOO4(3SQ,
M2<G,TT$?K^U6AP@`'.2^3B:U_#YC6C`=J;:J\/K\6J(]2"EPM%<&":S+C&+!
M:3_KV8^33ZH'WU&&)<B2MWDEA<F7('U_QZS'/_KAN8L34`@"/B)02,K><B)8
M8ZFQ#P]4NM=%^OB;7MU1B0:N1X0TLJ0QR>RV^]^!*E-%4/2)R>\E1Y-CG/U/
MZW[H.)!ID$G1",<)F.6!F1#AM^OU@K8*8[$>TO/[:)BY6:L=FR[=I29LHNZH
MXPR@@2=ER@I*0VVM2.4OWU.]4K[@6ADK+/'Y37JV?I-F&GPM&($3S:;`1TV?
M;J8)I*3V?UHQ1*31ZL6E#I,-HI*'&I78\UL:-D-R%RTC-D8D7L?H]9+;MIB]
M6!K*2M;<U4;I/\P6BDC%TO4%&M83?QE3NPPA7G1,2)D@/+"0^LO-SI_%<)-<
M0V.3^9V2EY>,2U_;GU8E^Q1:ASX0K.""0=7T.E&'[U$><G0`M\+YL8F20#T8
M`:>D=DL9^Z.EPU.0D/QB2E]>[QOK+LD5L36:Y?KXT<F2MD>I$\H!#2!"\E*3
M8T.V,;9*'5Y\39Q]8P(&,&UQ<$7D)%S0AA$AR++::@RHC[;(V5\(4AFR\_K.
MP7],?8LH>MMI97A,$AI+-J:U$64+R+]!LM?.>PA;5PE#J<R_84>3G?056.RH
MLLPB(3'ER'([SE?:?C1YS*.0_68"O?KFT<`!I\J84R>V6X._4W;]#-2+(D/L
M(&G5[U7%#<YNQ]^K$R,NFJF8:8=;;D0)L:.N?'<_"<^[,;ZCG-C/3;U8T'UP
M-%^FE9M$K1?-<^`E(-2EDC\Z?>JB,AA/S@9$_3:]8*?GPFNPFX,0"Z3-0W'D
M=G1VACSTQN6D9LR$<]';22V:%?SS.2OB0&US=308[')E;EI'"&Q$]/`$;U'(
M5IN`,M.-UV=_6*RZS,(]_CWGNH>@,_"'XCEXP);/LEZR6K:-/H%L&/4>2$#P
M*X(F2;<LKT_G/0FJ5+035HS2%%$$QQ(Y?:Y7WJX39D2!:>PG&OF_(C?D0GT`
MX&)J0W^M:Z1\_B"Z^O'*#<66Z<&*NTZ.\P-LM$HF2X]1TYR1)3L[D,)IE[M&
M82IY&!*"D1T9LNI;D0@ZAQ#Z7D,_I-Y?5/UOC>O(6WL.Q1?2]KG4I?Y[955G
M.Q@-2R^D4Z!5REM<JE*_EQE?-!22AC<<6.A1X4I'&HL=2G&^)B3F;8>)(\1'
MB(\1'B(\1'B(\1'B(\1'B)\K6EM*EK4E"$)ZM:U]XE*$IYWJE*5WO.)2GG/K
MWO?\<YXB:\Y=[19-K1&2-`3CH1Y809;:R[>*Z2ID;0*&<_E^A+]0'SS41-EJ
MA1L#*=;=;^,AN,A#[K+;#\=QU*5(ET`K95K0LFW6K+7[$X%EMP#*`1D<66)G
MO16)S4(FF!)D*@2W84EMY+;OP6IIQ*^<^*N=ZDD+)[?D8V!8)O-'HQ%VLD7`
M106+N%8E%F[3R'/G1J?R&HNU]NVD61C_`.,/=4W(=ZTKZ)^B5=XEP9RR]HRJ
M%&,NR=`IC4VO218PX#<ME:;."#YV$]/!5<F.<+(<'V8XQ'7^'">ZAZ3U"OM\
M5SG>\1@R(A/9[#SR#$F)H=5CBZLR11=SA&RUN`#H)P7+J\&;4KH2D&$L`K.W
M)M\-'&'.];ZI2D\<^7Q2I&#+>#VNKV*8;'U^R`#L^M361MC@AS`XG,KY&1%:
MG,#S<:%)?>%37X3Z'D-/I;<4TM*^<ZGO.^),2-0-6H,RQ(I\BS@P]OE%C8D1
M4S1P'!LUA57UR4D9]?!=).$RHU"83R_N-M?5*&5]6E/P5]$N#(WL/L%DV$PH
M;^DV\2#(%A-G-5ZO/3Q\>P6>!2X,<I:W*_!(3(+9#H$9*1(D_P#(GC3/?EWO
MT\0`3Z28!]-S:PS@0P!H5'.$K0%E62LCP]L`DYUBKL&3V%-/@HD*>^^7"PYG
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MF$]7$B/<1(DHYWK:%<_SXDP9T*[LF?6W2[GE%9/P3ULSX"!.W!`B>+)PP"K"
M9M`.&"*N0"$B4,LL>54I*WX<EEEQME3:O\_+O$I<'&9(R-]I8I$Y4RU5UMX?
M%,3),/IT0W,2T`ECAQG_`('YK74]&$S$.*_U?4I8DS&&W.I4ZCBDD@>9;Q2]
M6L%EK-<B6&(4J<&!/+(-#XL-E+9$J=#--1W8Q";QY]J;79'%\^G$\3\.\[WY
M?X2D8G4&>QN3D-#OV;/VL`%-9[;*;0"$@[:J:.CF+_=ZS&MXJE`!Z[&NQ2[`
MV!(17>LO06/OK?ZB-U]3,CC2,'&98`W2<Z,O%XX>_4HJ_7RK@(\P-M(*<\$-
MM$(PET.7;BSW5C2K968S%5'>XA[DAU#?4_-2>=28F;KMEKEO#0K%4SX6T5\E
MQY0\[72L$V&GICR'HDA4(F-?DPI7&)<=QI?4+5\7$*3WZ=YWG$2(1-FQ\A_"
M?@:MFTW^RG9U7KGXEZJ\G^P648_&C$JZ$^R47_*G1\F8RV_$8^Y(:6ZA*D<Z
MI/.I<&2FS6VJTH9_-W*S5^I!ORX0_P#E[,9&@1GYY&0B(/A?GE9,2)^7/E.)
M:9;^?S=<5Q*>=[WG/$DCQW6LLK$!@G8M(HH2!+C]E0Y1.V`H;4YC@P@:XX/Z
M_.1V?Q8<3*E)XS\^KCQG7$\ZE"N\2X,P0OV!PDT#:LHW9,PD`G:@`T#I/MZK
M3$=BCVG\1-<MLW\DDRL?7S;D]A$:4_QMEUQU*$JZOO$^(P9EX.Q9&49%R1NI
MYP1CF['_`$X*_!N]9ELE[=^&T1_JPMV.3<1/L?\`'OH?_!:ZN3]E:5_#X]YW
MQ&#)8"LM<M`:/8ZS8`EBKTM,E44\"*P"X:2F'(>B3%1R@]^1!>3$E1G&G>I7
MW[;C:DJ^G4]YQ)(1&W+%)L5,V'L&6RX:P,ZTHEQM`J;\5=8%E>@B=C2^T76T
MH".-\[#?F<[^.S*Y]I:^.?[?$N#(^_[+8*ET["@ZWGIDN`"`#\D&(N5:E%9L
M&W"R1FG<$-+*LQR;]O'B)#@U+3O>2DH^J>_'_=XC!G%:O9C#J0IQ5LTFH`8H
M]\9!L\XA9JZU&HY8],KH^N!+MSA94FNEK'-M$1N$T\W_`,OR4OO4HY\NHP3+
MA%'@1U'W`AH28;_%'3_N"B,,@C\$O%3.$S/E$>>3^*3A*X]'<_\`8^UWBT=4
MG_/B29;Q$\6]&]AMP=]A2TH)9:QV;35;#6(N=%H.E4VF9DY6;O8AN=VC9[0%
MLO\`&GQ>A5ZJP3Z')$2/'C"B3BD,OL]8D\3TP,3FB>T7L-;HEG=#V]DP%LF=
MSK>Q5BN4$JS;`]9`^O-RL,R373F?:*\_&1I&H5EU@<;B$",=##2E"WG5.L/-
MHXB8*J^ZNMY6(M8\N6KUQK%=+[E*(G3%0O:2^=6F.0]J".<Y):"$DY.DV(Y;
M"F>US^-4VS&=D1)R6(S*D3Q;GB.(/\9GF/9[>ZS/+OVG0J[#?<N.GU^R:-:<
MZM/:?BX85;=-,T.J'Z"#N8L,2)6*&``BH!20Y')OL6"-WKDA2XR'IYC`E[9=
M[,>Q!L/H%HT&KUX"C_IG;-'K%252+.'ET&P9'98]<A5>TFIUAE=MCMBY/[(>
M^W%%.-IB=XRE:5J4BS'`SB4"KW_V>..IO`S],T>61,,/0K*!S8T"I6J5@[4L
M^ES^4SDS0"5B[8,HN]K*#BL8?'*);C"4.D'8*UK1U,N(DDC^QGML`,6N)/O-
M$MY0,$YIYBL(P\Z-Z+K8G$L*NK%/`-PK^Z2@0K];KN>AL$2#A*3&=$2$-(>6
MVXTRC"_X_C..N>W/MS;0ER,IBXE14U\5KM@=CW.)].5<K2E4T6QF%_)0M&4/
MS\J"G6E3Z2)S\)XMUM*7((Z-Q<OR2<5_66YJ_N1;ZP`]5BU'&$Y4W8PE,LQ@
M7=\[4"DG0=F/Y]5B4=F.Q=>D`-Q!M71TNZ*&L'DLQ(RGWY#<%E3S]@+ZRL&/
M<KV$K<VO-7*1GQ":W!S`A?ZY"S&XUV35\]LM*R:_W/?GYTJXF/XW/P16\&*D
MF.^AQ+$L5R2Y+4['FQ4I>(A/N7[%$1!V_C8E*:S]RT3:8%>>R^\+_A:Y)&E[
M(C=2Q5VTQG2U9JE:&\F/C&X45$R,EQ?Y;*NHXF>8XKG$CNA:1M<'TXIYBM;,
MZ[-NMN]Y`)6V1J0;0]I;'1/M0:R1-0>G'W++1&BQ>NB%U_\`!DR5K0J(S#<6
MU]I+J,#EY_3_`.$MZB>ROLO+]E*QAEF%T&0`%6&S@SUOGAN4%_4Q0PIH<:>=
MSX68O4\@@O1(E?!KE#Q\8XU*9*.OOOP6U1N^60@8R)!+I[K^SU;M>D5`?EX*
M8Y3Y-^`C+`_1KX^+?(8TL_:M&M$MB$3XN;6R.8WW/Y0=F,[QZ7/;-,-..K0A
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M1WW-II$RRXO1@N2XS-FY47_AX^>P:K<*44(Z&.BZ/&EV.]&`5GB+Z\/DBAS4
ML,A28W&IC[3:9\A_G-MO73$6,"SYZD-F(E@D2K,>LLXS%!,@%3I1N0AWO9,1
MJ7.ZZ^PTTAO[BW5JZA"4_P"$IYSB8DY.9HM0_06W'W'[;I!VH58U%E;P!K%;
M!T6(\J)6=$*>S\8+8K44:M4V*=N:&]Z3.3+CHB?2.T\TIM#TY]329<OI)_7?
M0-X9:!)4O?JV5$4U[1$TMAK/$L'9,?3/^VBQ4A>2\FR36+!9*Y9-1[T1,CQX
M?X\.*_Q25/SG'64<OI(Q;/UUF+$R/;1I@%I%4)N%JM$;K5N`-&'"(_,8IH=>
M"=.T2NV%^"\Y2)G8RQ<L>\U^7&4YU[L5Q,E`:;6>N/K[-P%[0AT$^*30+$3"
MS*5G->@V1H#2G(,:>BPF6IUOMEP-/&;Q*ELO$66GV!_)$/\`*;9Y*F3774Q)
MS_&5[']-(K&I'M/5;X#A`QJ="T:.VJHL?R`V-3+_`*K=Y-?8,=*JD_:-<TSL
M9;J4H2C\7J^MK^[\$)>7C$G?LMZYO[^BJ-,V`(%8#BM$K1M@Y6%65LC7=%K"
M`A#D!*"XI$0C$DPHZO\`FY(COQE/-K;XI2%I2`XE8Y_Z2P:%['2=U39!YV#,
M.6^TQJ]*C7(2[4;`=/;++'/U:(%O<2CRH_*[M)"#+Z5"3GONI=?CK95*^+"4
MMD8F*]M/4TA[-Z?5AJ9A:IT]>,:L"O%LBM0GX$^RST0Q>-1NQV#HRPRR%&(6
M2Q%4H93'9^S(<1^6R\ZWWB%.!_.5W*_7?8C,^NME]-KK-2%-&2;].:!Z-91T
M:R6QRY3+QP6J[ZP?CD!5N/W%\M+D&HY4OR6I<=F6S`ZB,A+R$W+PO'#N13]:
MY*LPZ95;UI)V\TZC`QA2$"H#%AER2E@1"?.G;"2=G6VP3GRD]EAV,*8G/.=A
M1(Z'%IZF).9JV3]#+%:-)T6^W;6AEG3;>7&(#CD::6G3!8VQ5KV)KH-N<DI=
MY]<CN4\?OB8<9L.-$,2(P7[KZ5RY[[S:7D,>)71#]:=E:JEYJ=:V2`.3=9ED
M@E3Q09J!(E8*=;O^T2[P"RP(FQBQ32:;=-2DDAC0=`J"32S]DNQ,0\OXR7G-
MJ?7'UA+83<;F>FW"O6024K(RF5>,-I2J]8VP@[1]4TGA*]V)1\JFW621/U-Z
M,MYJ-!:[^(J1\/NRW4HLQ)S*ST?T)AZ!N!G7?^PT"QANS5TK)IG]19EQN5UH
M"RK0JITE_-Q_N0])T>E4BQ37.Q_]CU7^UU#GY7764H;QB7)Z\^M3F$ESY5=Q
M39OYNJU>M<82#Z)_&[6R-CG]F?<Z4(?=Y+X?^'V_BGX?:^OR5\OIQ!.97&P>
MF<W2+Q=KB)NM=$<TE5A`6B&;HRSL@53+?4,,K1R=3I\>Q"5"=*'/X>P^*+/-
MR(\7A)SBXKBF&UJ0&Q(0GT?T%`>HU+NCY9(J-8&UFBSH<O(2W9]MS&BZA2]2
MKL.PNQ-%AP7KO8IM7>'6(EQGL>>S,5*8C1I'UYU+R$VDQW&#E!P=G&;;=';$
MI`NUU^(5"M%!Z*Q53LHJBNU2MRCYBS663!H5?G,#H$TI/G$7FXB''W5K[WQ,
M2?.9J;3/UZR@TYH[8]!J,\]&KU/JD/E:S!%="0!6?GO6^97B0\?(M1>1"L!8
M1Z\LH)NMO\;6_.9XTE+0]I+R9%LS<+:LK/:))RVP54W7!-FRC0%W<5%N=:E6
MRI&FR--ME"+P"8N`:K\^+/9#7&1)'SF)/SBS6&_FVZRMUM28@X]9IH$]!KV,
M(520_KM0:_I\6K4@*?!YY8!-HA9#6!I(07J<G[VC$*U8)^GB)R8QWL^`\-C]
M:9DP(C$N+'>0F7(3ZK7Z]S,0M0)%HT.D$P]#L.9W9$(3F+\,@:L],Y@0\V+*
M$R5P+)>I$\3@D5P="ZRIZ#.G-J6\\V-CH=1R^DZ"/UJBHI+-);5S#SQM*J]/
MIABN.!+?5@A8=6165H[98;&?:'55]M35@R0?,C-D>D1G4.=;D1WNM-K\1SFZ
M(W"AL/UCB^M2S"HHQ&&(Q218P8R(*>1'<HG])EV$8(XN1#@25\6N6VQU3B$.
M=XGJE<^O>ICGSF:>S?U^&;9<U770+EGI(A.B9LY,A5JE7H!6`A?,",`?"_J=
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MW]CLV;+8ZVKH2X'I)5:=?]N!ZI5`-$;+8)G(X837W(F'S(B]M_NC=/=TN`4,
M`8+@O/$XS3;1-GCI$=V$N8Y&YQ]R6N)*9=2`+,&%WGV:KHJO5F2:N54K@Z`D
M)IYCOK[8K-/]<JY5_P``?EAP3(>"S>ZG+W$,PA\JI:"G\,J0XY\(26E)XEP)
M>OIA[2Z/K1Z)4MA*#(YI6=4(N`7#J$JOIT@[>:'7]N,%Q#''9B1(W.L_T"OB
MYS+B^(_DI7>*<4ZI">IBP`])KY4?9_W"NP)9ZAER%Z&QZ=H5SGD6L"(P(Z-$
MK%<U1<?#0S2V(73@6'*`UV<F?%<DSBCLU<6/+_\`,8Y%3+"^\CEZVGVDMLD!
M#@%]"L$2H7F-9L1(0?7X_`?]BAH+_MQV3;KER"!@,4MNG3@P.,W%X@3$,HD-
MO=CNME(:6$87WEDZ#[&[QH([8OZ=>-*RVO1:E?"6$G*OZ]&YAG4IX"-/>/L\
ME7>D%G`:Z8*%,S!C:H,.2<X36Y'7)1&^VF2`#^,O:L;WJ2<A]F#AAV[6X[GU
MZD":7=*OGZ!H.55+'-&QJT4K`LQ1HQ62[GH(@W,N*I8HXB%*9F/P_P`Z+V/$
M39"!XQ*"`[][JRJ/!OIE\M#BS9(RD%A3.%EGUUJOIJ8\S:-\BQI8(-:CA@4Q
M'ES8PMP9%@2%=['_`(_[JFV$)EQ6?%VN.S5STA"0@-AT5"K[9O;V'8=&;Q2R
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M-XY,C\\28$[A#?O=@O/L0JMJ/BWAR[^8LG_^AY<E.>6:G5+V*/5K&`4TI"3#
MN0>UM4.I/.&>=G27N$N\C2&_Y>`B(C"R\?:C06=#R/U[M]=+=_JS_L.D/I<J
M..V&36X**Q0=JK5H#V:+D[XJ[R!(34@[$%M?W/X_^88B]?ZXUS_<D'J?X31:
M]7;:_P#M/VK&O#]69KU]LP>7'DSA_L$]5<[I>9;U00"J]9G:S'AND2FCT65)
ML@WM0<@([G:I<9:Y)",J7*DS&/'I/0G6Y(W8?4HC0<PLD@C."6/UXHUQ;J-=
M-EN,12-NQRR62NR`^B#S!24'(9O:&WI[1+DIYH9*4F:KY<>YRS`>&R9KP,]A
M_:J?/J@M\G:>P#Q:LA+3`!89-K]WJ.GW0;91-DRNG-V.I$JK9:#Z_DHXLJ7*
MR78\N2-EJ?CDY?(KL-Y,L+,;E&V>ZMF+U2HN6B6D)P;Z\A)UGLN6SU7\L%L<
M#$WK?J;09W/@-9CRB)D[<A!=<J=UD3('QE(&MN1)JY*"%$Y*EL'N*&I]5F2F
M[%7:H4;J53*CH6(DRL_'*E"K_K+,LVC04$(YNQ6<O`5?K8CK)%$Z,TB#Q:H[
MJALS\B1A?YR=63VEWAKU:]8M&JK1^S:+HS*#)HT)S`FBM69L,2A,+KIZK0JM
M=+%52EY%S5R8<!K@M;?X4KKI2%R/WCMDP.1'M,A[*S=VJ^I[*;HL6Q6"F6NH
MTJE3*4W2C!D3/>:R#V#M:[4//!UL'(DT9:*X$'*9A/,QU=G=;>XM^1&4R@8(
ME%$MA]I;SH4QX3;;-'N>/4FTZF5J3>%SXJ*9;2=1]A&O^DW6YT2.S=ZP5G9V
M%B02[?Y,R5QQ_L.9UV6RN,EP,2_=Z]B_9RH:]-I]($#%W(;G==MU$PL!5S>D
M"M;X:T'0ZV5(6C4D5BLJSUP-2:VR62/YV.E$QE3/)<Y"NHZD`&,F4RD[[9[Q
M1Q<2Y6%\M6Q1[UUM44(`RN.MG2I$WV-*K-5_0YMRSZLM"EU4=38L<I!@B8L:
M+$<1(DON<6YWJ7[1Z3.5C=/=.XB^]$G["Q#C@H4MVT3_`%SE""#UXL1GUSK]
MLI?]?.187P&8R0T2SJCN\:^[/_COM29,CHN<](DF%@_[#^XU$J@Y@G_;K7:B
MA4`>"%T8JZ)#/)@671Z^5R\Y"KU0MTZ1)MP2GC243L=D;(Z_,EN*)CX?(K?B
M,*?X230MO]MA,NH1KD9L481:D0+<NP0\*7UV#:B4J_PZEZ^OHB#B<8%6[@_5
MX:9-AG,+FPW7N,]DQE$(2FD87VDKI&X>SA#U(EZ-=)B1MVEZ92A!VP5O.3YR
MUY/G9IVB,Z@5)9Q/HM=66L.9%R9UAIMH:28AC(T=^8H@]%F]>L8'+'M*FU37
MO8/1^OU"GR='8.YS!VX]$N8'(;$))1;+$KWL@*QDY'65K7*H>FV+/T@"3<%I
MF2QV7/BN*:;==9:\0`!)^S[#^QECMU)SJD$;,2ZBT$FK9=9V'&8?YE*<M=+F
MYV562+5\+3!\_0J!*F+<=92I$'\A3[D=E<?C/B,#UEW^D>Y:3J-5)B=R+`DZ
MS]H=<>TZ`"L8(_3ZN6%B1Y,+:X!>EU")"E`M.AGQ<%".2GEP(+:7I,N2S)D+
M2,`#X])O1XF,>(CQ$Z1(C!#CIY8I*9@C!<*41(S9*^-QX<&$PY)ERGW._P"&
MV8\=I2U=[_HGG>^(GD]G_P"R*;:Z@+T)T15;0*'D]*1:PV8E(9J-``3DXU;L
M>,';)++R(51C5C-]BC+O$V2KL0;.&$W>(;8C?;XF?#VF[&3>S%?UJ\$J@,JQ
MT5`<'74Q1K?)(5HI7M#$9G?$9AH!((H$8)2X,,-=GFFHBY;;22D&0U+C]4VI
M24)B1@9D%MOM[`R_)G--OE./&TOWKV#I0890HL.1+,&<EN.EB:;4H,4R8B=?
MMNB":#V/#3]U,=TJOJ.]9;6CG$O')Q(:0_8?FD9XR2@46^FZ`%(S`"]$'*JW
M0I*QN!KE8:Q`##W[`T:(#;6(HLU3)#C"8S#KT5#GTXZZIA'$_P`Y"=>]Z;)6
MI6\A\[HQ:SV*HYY?7Z('4U78BQ]ER,E[`"=(NQ^66L(Z"1J423G894$>VXF?
M+[*ZGB4_-Q3*4+Z9F8]JO;ZR>O\`,NTQTF)'5JJ9CFU_>G/5*9851XLYW8"=
M_FR.0B\4CQF/6L_9=B-,0YSSCR%-<0GKO'$)%&?'O+?ROV_!ZSI=RRT+F]Z&
M'Z?59)Z5**KKKP?IB&(HQ]ZISS`0P8%"BCXK2A*HKRWUQ9CJ""67%H@J<=05
MP,F8'!?<I>P.9;"/9'9:+*T4178,@K_8JK8ZV&U(WB@KV#<SQM\>1:/3V6,K
M+M3D%OP&X2Y'%Q._%Y/TZ@KB571O>^VR[@3=TS)7:109%=8_$(INU#F#ZG81
M]Y]KZ_V19+%--AVUBKB']?6G$.\81'#/K[^0[UIWKK24K]/\>DQUN_8[`>SB
M_FZGFEO"%JSG5ZGS+0<[72%9IFA"AN\MU<20$,&6+-:14\K@I%Y<B%#^'XDJ
M)WO.*==2PCA^LV**>V@N)D67ZH#SFYVONQ<($L^JL"941QPU3Q=.L>CN7&6^
M3L3`0-&(9]6'2,:"_*_/^_*C0WVV'U/<82<?.)C!GNE3[,3RP32Z+=K0_KI2
M9$K+S2ZT(B1Q(ZWWJKD+"5=,G(;D:!&AY_-(\9;0[,6PXRTEKKZ^MI1Q.,R!
M;'[JF*'HKU2K>;'"Z,_T,@(T$#)(U,5;+31(GK[J>N2;M311X\+?CU2%.I;3
M,0F[]6#$N+*A,?%QIU3:`N1.8[^P_-0-CM`'M,M9J+5I+\Z78*V2J1@+VE!Z
M7KEXMMJ7*0=92F94QV*&6)0=K[Y),U<:.IM#JY"(J.)D"$?L79Z=L%LL>67@
M/C87/ZO/-3^MUIPU5;C,-[NA?665GF)%Y`7$5F\%H?*%(<BQ)/W.2'4_5S[*
M7C_G._;O>2Z"++=:M`R:P-WP1320D?E#TZER38O3@==OFCER$^XILZ*<0JS>
M85^%.80U)^X_*D)B]XAQ3G6D@7_*=NB?L4!6R/"%B,BU6^'F7.B7IU.#A50+
M(2J]4TDSHD@!#FFX\CI`45R0M&@!>=<*DOR8"V&NM/K6R@KB2'5/;\N"H'K3
MKE9!K7G^B6*W%M)Y7#-*M1H=6Z7EFBW!-,$N2B447+L)ZU5:.-D]96AX>ZAY
MAWL=WY+;0%]1[RT,W]IW=*,Z75Q^2VT+9\AI\PO?()L]34CQMT18+H`%9_!*
M#C1#I22831I4Y!-MG@YF$_'^ZM,A;D=I!&//M-::]^Q8B$$$S^O9`?K4>Q]S
M[N=1`Y^H%H:[-=LK];[+S.)Y9HLS(4ZQ8]P2_P!.O18\!,'BT=3]V/Q+R7C]
M)L)B/ME&V:[,5851KI%BE@,FZND+"'$515!"1Z=EQ9NM64=+M!$\;LDPW?\`
MJ$/183,9+3:^*YQ#;+TM(5Q(CWWO$1Q`BU$<:T2!32U:I^AJ/]+4*4X-R[5;
M`W4L;N<X1&M"YRG]"L?5H4,8^],$16E/3.-]^C74<9%FO?$N8/5X.UC5EI4&
M6,&E;46L1FG'R=8?+6[UF:K03E<`6=,8JBV4KV1'//3F"7>!IG'$J8F?84EU
M''QF2JJ^_5).`99@[FV@TZ3"`!+;*#E':D2F1JQ:%81(KI!Z0"L1&!R5+$^P
M`N2_&0ZM<;L*8WWJE)9Z\CC])5C_`.QIO0JV-<QS+;RDO.M&92YIBSQ:]'`"
M,INNDY%76;M\WSL?^=>+A-+ZRN`.5)F"IL26E]/51VDR4O'!\^DV5N'M')!W
M4_2:ID%ROTP5>QF2BIPT_1@<2RZO+SI&Q%*E`18K#`?@P0&6=62?)S$QXKLE
MOL-CCKO>=ZDQ]9KA:??<Q>Z_7DXEGUK%<NV@9X&JEYL;]`^T5IC^F934]/,C
MJY-L<F1`)`XVI#HL1DDTUV4](>=:2I,7ZN)>('K.E/\`V+_P:Z%8YV?6,A0+
M+3SX42<0W50CNE;&/.XJ'=&!ACUN+3*($KSMS,\DK)./-/\`(_\`P//<;;5)
M1Q]O>6F*]]1%BDP(->Q/4))&Y&7ZWDXXO+I%=G7^Q"%A.VT;/AD[.F70/ZG$
M/MOR>F&V''DQ92&&W'FVFWTG']9</KQ[0U;V-(:+#J]6M@2+0"S0])@[%B?Q
M-C96=MU7?>%S8$F4PU.A':-/X_"=5R2U"=A25I2F8A*4A&)LWXDCQ$>(CQ$>
M(CQ$>(CQ$>(FI>K^X6?Y3=I.;RJM?[5>69V=,QJ]5!(F=**#=`T&A9TLV.Y)
M.1%?@5<OI`M4SLA,?KR7^IB?D*;?^TE`S(.*_8'DDFC3+Y8*;K5-&!`-9LEK
M:L=2AQ?ZN+MLJP(#*F$$FU"B<QX96)1#L0>_+F_B?:XEE3[[##B7B9W3?O!3
MN'!`:K4C0"0BP\OR@NH%JW('9=+;S>TTZHGYS)%E^5:)H:6=MG(<*;'&.,2)
M#/%I[V*XB1U'$R*WKV\]6])H\P;?:+H]LK:F6+60J93*+++((H$6&-(LZW*"
M);3,1G7/YF.QV7WGWUK?ZCL?K?5]\0%(])8UVW'UT]8+;+I\^IRJP;.!I]]C
M)IU,CD'K1.?_`(6OR!8B"%<</3CTF`"@,(1R*B%^-`8C\>YUEIE*`"?,Q-)]
MILVGW''L@R2C6&`*.VPU2K4E^E3:Y7<L*B,]UFZS:"3>C_$<,T.&7SSX/C^)
M<C<BOJ=2]U2V..((/J9@+M^QK`J9#.=["T$N<&@M*-B:S&JJAY:U)SA6D1>L
M`FC4T?\`>:N)7(+-%#2E\3%DK#NN..--.Q%R4!2?X20W'WGR:F%2P<\W8*T4
MJ`\99[D&L``A(.1ZE.H5RO$E\*+JG+)(D'AS50=CKAR^1/O.?7["GN+94X@*
M3.H0]\LI$3)/"(;0$\CQEL2ZK#H5DFZ#7C(1[89-T3:@D>*L2,$5ZOX\0G<>
M;G/N/(1\4HZM^&B0CB9+6O<O+28C8BM:#:!8TX_GEKTQQ,6IRH,/0JS3R-J`
ME)&;ERCL,585\L],GCT\6['[]UM#OT_&?8?=1Q,A5M][<ZK<L./F02=4GL#Z
M1=[Q#O<1N`]6\OL@+IVPGTM!)YA[I6H-R8K4F.\AO[SKW?QOR4)4M*.)G1<_
M8Q@[X$P:KXC2[,^#K=A,DQHFGJ=_CC@2)IDF!1"1G\_M>BV^SKR4RB`TF4['
M5UME3KS29#/5HXF;%6_>:M0\5A[G:PUI%5AZO`;)/$.P1J;($AG8L:7]@M%D
M%HXR/+&-R?I(1R6KZN(ZVUUUQ3:%I`,G$IZ1[SX\^V99K@G3+*31(G#J1!$Y
MT??<U0D)>),'F\Y0\F(JP1:MP4\^2=7^,AJ,VI:%.?3O.)>)G&CW##`J;C%G
MN-<,RB.M8Y2=#C5"@5VRVBTJ/VP/'-/C!H[^/9A("CHC4Q3C\N6P^WQCGS1S
MG?KXCC.B<]_O5FE`@)1ZRSV!A_A6?`8@5>=$4P/@E+5PR9G1I30],".B%42I
MCX+^DN8/C]>CM/N/,MNHXL9^.^].>E"E7A5*M7&>!M:K4X.T4J$7$HO&:/LF
M7XZ<CO*@2"%HCD2IW2FVQK;PYKZ/L<Y,_%;5UQ*.)GP(]]\`EPQT\<%TZ.]8
M9P8A/'\RXY&,C`%GC9ORN:-:1R&N2Q]2.L:A7D-2W>*DH3*[QYEI,.9V,CB9
M.[/[:9[1]0+Y?9F#\@I$LHH-R76:Q83(^O#B(_($=-7DHJ#&&!H?+#LX:,A4
M9V7SK4KCG?I]B9R.DXG&9G#WM/E-;TB3F)9RT,%H]C`TGAU%6)O5"5?K"W4)
MT6AQ+"VA4=^T10-Z&%)#7QXRW`=<7QU2X\AMI&#C,JC3O9/+-"Q'V'(!J:;T
M,)D]*?L-A'V&JGQ]7/$QGY)B%7!DUM+)`P=C.!VY'68"5.M*<8^BN..(3XE`
M.1$+W2]?:/3ST015;Q6:UC%6&=N%>BT%NN0,M'QK+9J+"JA%F7,&`X14>]12
M+C0^$](ZY`C-N1^.<DQ$OHXF=H][WY+%&6I5<!Z79#XU5CATH/`STZX[I\VJ
MO7F'8IE#2OD=9T%6)6=E5$)/>L?%B-\F>.]=9XXCB9(O4"YY)HE+/W++Z(/I
MY,L4%JTZ:,$('PR^BN@8!.R08LJ4]T_.AUHB4=C-?FLQD_%7W8R%1WT/.I#D
M>LVE0##-&Y5D;%P$6":+@@YAI$5E)24&%RR,\:+?F\1R0[`@32\IUEI2NH;<
MDN*3SG5J^J293Q$>(CQ$>(CQ$>(CQ$X4QHZ9#DQ,=E,MYEF,]*2TCDAV/&7(
M=CQW'^)^ZMF.[+=4A'>]2A3B^\YSJN_5$YO$2'C;Y529/^$07B0CKA$\.A@2
MKS0PV456YDB$5FB1,QQJ>3%M.15J3)9;6RMKGSXKX_Y\1,DS::Q(FDQL>Q@7
MR(64W",0&2X]V:)FO#W2[40G%1(4_`E.BF%RDMNI0M4="G.<^'.J\1([:RF9
MV.G707;SE1GTAP7-KM]03.C6@D<4>@\AS1=BE]FM,#V28XCQ'4/+;ZMM[GT_
MPKGU1YE97O-O6>WFITFYQZ.W930P1G<N9&MRJG898Y:)18/4VY@`Z%*H7,A_
M?6W';6EV1#^:/HMCZI\2C/M(W7,;]6*K>*U?:)(J%..P;?/#CHM2N<0:"+V5
ML&=JTJC\KS)-P4E$1VUOS7@<!J,VZ;4S.D,.3&VG4I<G&)(^.^M-HK(2&9_Z
M_B"JS=`VPPJ[;)PP,4I^@E[8]<PMK)A"TR.0KUDFW&P+EL]D(;6N5+^B>=^?
M$]2>94X[*_1";^0,%57+5@,OJ9W(RDF&02S0*4.#2BU"*T.P2&RK=7&6\+_>
MB`]A$SG"\..5DML.-HD.\6ERTF"O5;U!L`LIG/:!1C#(-3TRR!$V$C./L)L,
MJ]3B2K=-0><LDN+;9-\L"R""+SC1?^0D\D\?YWO.),GUD],U?USTDL#+F&\U
MN!>S18D"MRU&1)*188E/79%1XP7C!!?##0%94K\TL\<^U]Q_B_\`17T1Y$A^
M/CO5VGJTJYY1RKU`#5C35&NAL;9W8&;?R"0%.L#;L.-T\Y1$KC"CXL?^<RRU
M(:3%0.^?&HK;*$IR?69FKXEZSY*;&7:O5ZF5(K6@RZV*+R;%(_&##F&((7[<
M5DP:?&1"$(1)B"&Y?&^3&!7XPY#J8:68_$F29!]#HWISG@BSC[Q5Z'P?8K/5
MF;F%G36R2X,G5+M::\%,'!L\LM=:JC]IV,X[][XQX$3^5ENM\3WO?HE'+VD:
MFUSTQHSQ//2%#'1A1861LY\Z3A&RM?)A87%DBUQ/7DJ1F+)CT?\`R'(2)9>1
M*=1U92<MU[YI5WB,L?,L*QT;U$L.*KD'&LT<PJ"JT;(V5B6=L73144CPQ,NE
MP&FPYB$T)!$H]F(-%.1GFH+\8C)COH4U)=;6DR<_K,[2,6]9(E\*WR@UJA/7
MEIT189Q$`823>"),PCA$+-@BF"LH=6!QR+:",UE,2/%C35SY$KXN./+<4C)Q
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M'9Y,M+<SKY&7V;*<6I7$=^B#D^LC[F>^H<)ZKXX/HPHXS-C&T`N5UPS8D@'J
MU/R_-B?.VL>6EF*V<JK@JM16WDR6I0E`IA3:V.QD?1+EO6793:]AM;<=O5.>
MIR'I0CD&7=&+*R8?("HPT7"6LC9)I6>Z2[_&T.-QZ0^^XZYP;U;BU=0XKQ)Y
MFM]_HWHAC@JO6VT!*'"CK@V>\T41&L<N>D^#8=$'#KE*JR[%_%'*C6I$^(6B
MCXK*Q05]SDZ&S'=[]WJ7+&72SD'K'9#5;FP@&?E33PM%BK?!9IIY\N!'1LU"
M,EX\,>5^W8`0Y&759MMU;<B,P^(AK3U+J$JZDR94(RK>E&E2)A%-#%HKV4V`
M)"BZ`=K]LIN9$3=+GUBAC1(&\%N!:AHD*K',I"P?QVWY\!,\+#6A*WF&W$I?
MN$FKN"^GZR5<K4D-1'RM"LKIJLUJ9>I\F562T24#NK0B""DV=Q<*O!)F?CRT
M,%]G@D:X(:DQXK/8_%I1EID[7D7JGIYN59;#%I!LWI".(Z1&7N8,=M4W/V>Q
M'S(M-=LH]F5:*L*A*'RBL1/\G'%MJ@O/\A_)CQ)DB2(%E7K40C!)=8K6:3(`
M8FY(K[M?DBWAPXG+M``JI(O@V6J&PZY;,V'J2TWSG.21"4)3SK2D\1DRNAGK
MUZ?'910A&H-9#&UUU#<J*X8.52RUNN5DZ#&L6(./9.CB=&;6:S$:Y_-#TP7Y
MK@QAU<AQ2>*\2Y:3:W8SZQD`<J);P5(CBV"I)YTG,L;@4@,L9&T5,D2(Q;.P
M:@F@UH>MX<.M<MB4S.3-2SSCG%N_1:3)GY@I#$TG-1KF0!RH*4(L,N5=!TE9
MY`5LWV[Z-4B#X$<4)S18M$ZVT<U(D)'LQ6Y+KOY3J5NR%+Z@Y]YLEXDCQ$>(
MCQ$>(CQ$>(CQ$>(FJAKTWQLW?+5H[O;I`L]K+P+&\Z+N)2)`#6>#9,KMBK(!
M'?5R+$+33>+5QQY3J7VOMPE-(0AJ1(0ZEY'TD=->A^#'J^[7)R;ZF(X2?EM2
MXM\.1RL(9(KERIBZO`(H=_(AUYNFWPB+:0CO)+,5;?4/I>;0[Q+R,D+?IQC[
M+T9#+UZ9##3=K+A*LBZE_P"MU^'>"0RP6JK!1ZU*<@U$M;`L0MR#QSK<6;&;
MY&ZS'Y^/XDY&5;M'HR!N@P$+S$JYG\ET`#SBUV=RQW91ON4"(L&$]6!L469B
M#S3).*/:_)C$?^"1(8CO+7WC*VGTH;'K+@NOJ)C5_P!)GZE8X=G=L!1P'-(P
M(5K+P*]-,UT<T%%'Y`B,\AM92,#CMP^?[_Q^-(^7&N.K<<6DR<8G;KWJGD]5
MT@?IP'EP'F8%HLMYZ%:N1SM0(WFU1;T,*7$M6E2>P")Y(/128]AQSG6V8:F4
M)1\H["T(R<8F+E^G.*R9,I]N%98+)6CW;.;)!A68@B):*E>2F@FYPXUU[[\O
MC@@QJ9Z2.?BNQ7XRYZD]6MMMI"$9,B:O0?`93]@DF6[]87;(T;01_F;Z=>1Q
M^TQ+2U;)\9J*[#;:(VB==2DV8_WBG/RI7T:ZTRS'9:2\C)[-]2<3GV*S6J2#
M+]-6[MIZ;D(LIIMM_MR&:,).]9CHE\9C??A:J9XCX<Y]I3[:D_3K+?Q2<C*X
MRST\'TR[[<4.D6)&>Z53".8UO.!)BW2A5?HYVTWBVV9:'SI62L&1LA&\/=>C
M#?ML,.(4MMW[:H\>&E+>D[L3T(]>TR"KQJ#=+<R;@3AY2!:;N<(#YG#<03&M
M$Q^,P]#XX1MC@5AZ<_WO5]<3]&?LM_1OB.1DL8]/L<4&4&-,VJT)='`A,PB>
MM$]9.>/K36G1@L>6^,X+95V)#UXTSUQ#:''4.M=<4M;*%\1R,^"/JC5;1F<7
M,+_>M*NHX+<W+95+#,LJA=KJS#=?FTX:!&EQ3$?CD*)32<N"XZZVIYYR8]*X
MIN5UMUI'+SD3AD^F>**#@1(IBYUF155FW:M8:S>+"*L]=>LA990^\*-(EN26
M72S<F1#>ZKY_6#+>9Y].*YWB.1DTYZV9/Q.<HX')_'*J:*H5,^5@,.*@UL*&
ME`8$68XY+6X4DMC9CB5/R.N/.*[\E*ZK_/B3)E>-^CV!0I""`838P)MD_0;%
M%/C;02=*0IF=9HWD(6-#_E5$H+(R=0N.QB$?C'PF29+LU7TFJY(2CD9V&_2_
M&O[(2M\QV\%+$=M!.UV(D0N)!:[%.GD\O+Q8A=B,B-%>'@YF-5OL-*$-O<X.
MY]YQ[KTCKJ7D96>G^BE9/SJ+_P!9S?Z*R/ET49>#KMAND@^4H&>?]3-!Z="A
M0R[`4O`(0,?&,R&R*>I3(1R3]7.*E1I:`WUFPYWULRBR6ZTW@J()/6&XK'.'
M9+1TJPQ(4*E99,A=9B-24QXOVW\:`][\$\^7([G._P"'W?DDR<8D=N?J7D]Y
MN%@O!5V[0C1^7$/I;"70T*%@+_`'5D-!U*M"V'NPQ.APPM,%PT3N)4WR/$^/
M6>]?D]>0&(G:!^J>15_*;WC<&-:EU'20[X:X29=TL<BT$VI0G@>3/;M:I_#D
M(R]&Y\^RV'FWN/\`?N\5Q?\`GQ&3G,@I7T1P<T")AR'+\Z0.DV39^WIOIUNY
M&S7V=5@D2\\TAWGT(&@^TV*#(<9:9ZW%EM<C_87$B+92\C,V9]+\1*AQ8F-&
MN5<>!-V-D"?JUXL(6RA&;@<MQNU-C#+$M4F/P]R^%X;_`'_*DPIJFV^H4AE;
M:3D9+\N]:\]R&T%+=4)UT_DRP,!5Y;!:V$20QRL5$8V)I@-T<Y\(\Z/4(2I"
M!\B3Q^<TF8\A3ZV_MH;023XFP/B2/$1XB/$1XB/$1XB/$1XB/$30`'Z3O"=A
M(ZXY9JU(*R=>"Z*/D\JRDG1H.!H'L=<R=7CFE35264%XVZLQG5-_!I?8+JEM
MJ2]Q*)B9<O&)6!OT.TU-GL5MJ=WRN&8C&-3<J4@M4+#U^T#=FF;5(/D]<F"S
M$:6<LM%C;0_&!JC*XVXU$>^ZME)!2(B7D):,'TU(UG#0&=UZ?G)FTUO:Y.SO
M?VNGO<HF@3G2IQQ@/H`N`^\1(?A"C3?8\M2I+D><-AN<0IME+?+)R\YFIUZ]
M%+?F-3SVHTD4#U^PF[%_`%2\_,H[T(6-ER_5]M5Z)&W[(A-9L=-'X.YP4_)[
M+;;'R.L-+Z]&98FR9!@?7_'K+8JWZ]+<F;<+!H%[H5CMISDYX2>CTZ<X^,L4
MB?@\B1>83<Z?^-6#AG_IIQU<4.U#BCOSVH\=2D1>N/60M[#TF#,?K\UTA5;3
M5FKEC*%DJ?2\T%V-NHV`::EYE6:4="O5,X_`D?R41QV_V-=ID3Q\YF84_CX8
MAY;,)OCB$<I+U>AUR'3XQD69QLY(K5LL]G"UNXT4G-IM[7<V7>%4:D+B3>+G
M20\PU-DP76OO]5)@P75_%7W/@CE)_B_I(2Q.%*Y6-`"HLSV9;/1?[RJC07CI
M$YH4K+7:=;[-'ES)$>SN4EO.W.?AS7'FG4R_M(6AO[G%I"V?X2G0/ZW3;U8M
M4.U7BGP[9:)01<2SUROER)BE16+A'L5C35[&?(I-1Y9V.ASYJ8_!8Z^[WGV4
ML\XWXEY_3TEIC/3Z\P\PFA7.X(U:T[U7-LA4H70"\'#"3=>R.K9&FL6.NJGO
MDI:93`%9SDI".\9+\C=^ROC/5K2<AG^4KVF_KRME?,9B'/7^BVO-LI/"+*+C
M%*82D6:SE%6#U\LIQ!YN:9F`(4*"0PWZ"TM-ON-IFLJ<7\XGU>2\AYDCW#TI
MU/5=Q*:RU>LS(BH!2JEZA4[K4C,\?(B5VX8-<N4NUPA1"&*F"$EL=F/-E%L3
M2?7C+'RYQ@8TQ(0&`&)A0GZ[3$$:#&$-#K,F+#=9?)0F:?)Z+XE\%CXV8*%#
MI1AUI@"->S>0R.C.=7Q@<]&95WOV5=6CG.[DGJ-:^"/:RIVJ+7PH^\Y,!P^@
MM)JZ6J6**D<FA1=>M]4!N$')DRCW/29<>?UN0F)(>ECGO\=3]MY:"P\2853T
MPM$9[66S]EH%>8T++-YH$$MG=5(P+0J;[%V$9;S<^VDYA",D[$Q\@._BJBA"
M65\#N=XYV.K_`&=1R$I=?ZX+8;M)>WV,[E0J19X=K:<JN="+C3*3GA:75&`E
M9L=-"PBG$'IDJ>A2CD:?R+'G,\:Y_NXVIMQ',>TS-G_7#8372RXFH!V(LJ42
MO#('@$K`@D]::WXAI@*QF",(PJ6T.DY20=I1#C3*WNQW>R4?+B.1E(Y2Y*/Z
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M9;)R_M.KF+>=5]U28D@G,UQT#TAM-MK>`U:';:'QG,,L,918[&8JA&3:AD8S
M=L:N2KSDY!HEU-7N(Q63]:C=?XXE+\MB1US_`,3[,A*&QF5=7/UG$QE$[3%:
M+``RW@I*L%[4#[:RQ0XUP7FM<#W=F*<,-QJO:>@L^3V3$A*5&_)4A?WW%)4X
MI+SG%+_681)5-`5J[@:@Z1IY]VV!0:;6>"6#8!IZ0[FMY;*FBD0R+K\.I6VT
MC"HIEM/%(--=CN)[%ZI]'.6[>O1QVVY5D6>#W*"(32ZIK-2L<4Y#/WN"W"U]
M4<K87JN6/NH,/<9.P4M_CRDM1G1\IUI*&4-M,^/:0-YG?S+TA[G/LJK;/YD(
M6`\)70V!`QG+#7G*!-/6'9)`X57`HN5VM%@+M:UY]F2S+0VVQ/:<DM-+6ZSV
M(@MD8G3)^I6LKSBM9.Q8,9M%-R&XE#F11+Y4;$3B'ZS8:OIU*[6=<!,D5C",
MRD`]'0\/(05<Z2G"6G7F(O7U*:1R'K*H.?KBY7<WLC5?(U>T7B#5K`B`?>I(
M]F[6Z;R_%[RU&GV!Z<B2HM9`LAL-(==D_!7S5Q2OL=ZWXEY^?TF*>_7OKEH#
M5]LC=LII4$@^.L)RATVF&P]5H]@'4RET=;M,CPBD625[;0%-8_E6"+O(,.8X
M^['9><>4]Y(Y"6G2_4(A0?9G+BP*-`BYQ70]AN=NC@ZK!`T^8=KF?9QF6.@F
MFF)J4?SE?,OW2P(XS%^VCA)*G5I>XCKU@MD?K)?EWIF3IEKU%L]8*T0S?6<]
MT&G7P(+'$?Y>[D;O;RA067)*++EQJOVF4XQ+#?`8[]DTF2V]+:2["94M(6_S
MFM[_`.L"W3`O_P"L6L`KP:=F![8<'SA=DJ8.WZ!<JW;JY[(FBA,&:(&A4349
M!`$4A<82Z[`F`$I6IWC_`!UA+S_Q_P"$WS]??7V3B)B^SEV&,:@VWD9H;$:B
MSD2!42'H6NW..S+GD)\Z24=1!TEB*IYQ7W7'(:W5][UWZ)3$G,V<\21XB/$1
MXB/$1XB/$1XB/$1XB/$3H%2<,*,(F"+BV1XF!,)SWFV)$IQJ'`CN2I3B(T5I
M^5(6VPTKO$-H6XOO/HE/>]YSQ$I`1[1X(>,2@`?1AD\M"7ER),1D>=Y]K_NB
MM$KCFKGY#HIN*MBR54-*(?<2OJ(<5A:Y76><\2X,L*P:92:NY1>&3\&-%T<R
MH#4BG'V5AB$_^L&[<Q\BR7/P&(TT-7Y"H[JE_!]WK;:.]6XCG4F)T;5K='IY
M8$"*$I$LM83CU;A0`(^;89C!E@6V:<A$H@9F;*&N<%/(D?\`*A/T85]SOT;^
MJN)<&36,="3&WG8A@5*:C2'(DAR,0B/ML2VIKPUV*\MIY26I#9&,Y'4A7T5Q
M]M2.\^2>\XDD9LVGY[3J\.M5CN5;&`#4AB#7R4@R.1%L9*7$E3AXFNO*D\:-
M%2<:$ZJ-'CJ<=?\`AWX<[]/$N#.S5=!IMS`U2QU^PBY@VZP6YU:[^;%;E$TJ
M@?R3\5B(I[[ZR(^)Q2I4?G.NQNMKXXE/Q5]$8QXF/#ZI0S130@T:Q#XQ'+3'
M\+=F"<AD9T.[_6Z]:_SW.S'&OD%X'L\7OYO_`.C_`'?N-_+Y-KYQ&#,C/T2@
MBS@2L$;M4X-DLA)(>O@)5A%,&31586=9$#A@QR6F9,F.5\;(FI;;0I2HK*G.
M<^//KXDP9(7"PIKY]=)CV^-I=6Y]R9&1\$L2N0'U+^3G/BEF=W[*^]_PEW_9
MW_=_CQ$XAYT(6CQ98HP*)Q9W$=A21Y")-CS..,O2&^Q7HSSC<CCC$=Q:?AWO
MU0A7>?XYWO$2`T/9*%HL8S,KYB.B*(MM^I[3Y&6,B\.3,Q-.5NZE032"#\B:
M!"V".]$<DK0USYL]7\?LK:<<2X(F0*:OG@:Z9[GI&TP&+=JPFWG,]&(;ER6K
M0+H<0(0M<J`4BQGA"/XN!88C_P`'9#;C[+BELI<2T[U",'&?:8[/-NR?5:<%
MOU#O8(Y4["'E6(.46^X(5+`0S$H`^;_CCC0TK'$\+PG&$R'6$-+5SG4J[Q2>
M]001X,S5JTBG4ZL*MY<PPZ"Y)KT5$H5WA94ARTDA0L*N*S`Z\Y)9EO&H[G%H
MXI/(Z_N_7X<^OB,2,9]NF?:85LXFM3Y2'JJ=#5>8LU';"+F6<M21.@NUP>-(
MR&#BS8*LFXSI&,]$9<BN+6WWG5LO<;001+&F66N#WI\:>?"09`N"R4)QYA6#
M&>'#)#JV&",]IY]"X<%]YM2$/.<2VI2>\YWO>=\22/RM+I<6YU:@=-Q9-IN(
MDN="#H+B)JG`X5B')DDI2XZW.0X<AN:C\=USZ(D=XKC?5=3WZ(Q[R/D=TRT;
M5KU;W;7$>%9TG2.6=EAJ3_+-/Y(Q)D:#%&!WV6")IZNIBJX[V(V\VI74_%2N
M*3WJ7!DZ'VVK%>"?XZQ@IJCT=Z6$;BEQ\ATM'C<<[*>&H9D+5.;B_97QU37S
MXWU"OEWGT[XDD8<UW.633U??M,..5CW2?GDAB1'(,,Q[@+SC_ML@'?G/0T0&
M>Q<Z_P#NFI]3O(WVN=1]S[W.M^)<&2MFT5F0II+%B!/J>$=L#*62X]Q3H%*&
M'.FVN(D*ZX(XW);5V3SZL_1Q/?E]%<^J2<";E4%Q)<]%JK:X,`7".3IJ3@Q4
M2$%)-./#C$N1R5UF,+(,LK6Q(7U+3J4]ZE7><[XB1NOZWGUDI970HEE'PJ@#
M_MSAHT:?:#Q!4&CV*QU>PF"+D];*882,4J<_J)CG4QW6&.NI5U'^?$N#G'O)
M:'LM<L*.+`GPQM'8`LK\A)2$1Y_%FXW9H4CW\-][Z02\-/78KO\`]F^WSY(Z
MKG^?$DC%&U2@Z+3ZC>JM91DNOWF**D5UY^7&B2Y4@P*;-Q`[L)YU,B.?0-7]
MQV"M/)3/Q5Q:.?'OT2X,E4NP@!\J1"GG`\*9$'=,2HDLG"C2HPGC_(O2DAAY
M]#K([DE7&_OJYQKY]^/R^O\`CQ).!JV59]IA]FR@'F)).*$C/-&1SC4@S.C-
M3(0AAQ$GJ'2<N&^AUJ.GO77&UI4E/4]YWQ$_.VVJ\:Z_VS5_C'"W`/7NF1W&
MN'.L<E<#=<_)^'\MV-W[GXWU^]\/]WQ^G^?$2%6[;<KHMF$TVSW>OC+27E!F
M$`GBD%),?%L$>TOA31F&J0E\17R2Z818:G/I1&7)C]:XKKG>)ZEP3+(8)#I4
MN</C3X4F>+[&23A,2F'I8Y4QG\F)R=&;<4]$[*C]^XWQQ*?FC_<GZ\_SXDG=
M\1/((E[-;]-O%Z&#+^=BY\-UW6:3HER">NQFPN>N@:BZ/::UF::XAD,38U27
MIT02Q%*/_;*(&*^KW$1/E_B3/`Q^N)#S6S^V=U`6+^>3<Z/>:T/B6V7:\^RP
MK-#97$)T2`6-T$3`.UB5()7X"\,G-V"/,196%-2XSPR4A4CD:/9<+_*90ENO
MMN":L8*BCSL,PP:T"!4ZJO#[(<&3<]DD-*)1_8%^P3FOJZ;B76*,$M@>S68[
M\:2EQ,/B9D9]A`"^\[]AW_W;K]ZM%57UMNO4V$=$(LI++C<D_=:8.TR^4ZP[
M=7*[7Z+,"F;E0J\'&%?XEHG!'SHGW7&QLC\^`E*,+B2R5:]]J'K9BERSNRZ"
M9L[>]^S9(A#F99)@2M?%D&O:LYDPZYT\B!_FZ?6M`NS%7Y'[%2)2E1"*EER,
MVMGB4G@DY^DGR-JVSGK^=L\:T6DJ.A[C7Z=%W?N&DH-P3B<^#4YEJU-O&7@;
M3CTJL6HF4`\=Z(7%8B0?Y)Z+(:9=4ZDP,RHVMO\`<BT'S5>KARQ#T-$+W,/$
MW_7]]/\`0G:B&W@EG]-"22XV(,M<75P=+K!.1/ZF6XPN?\(ZHW"L%B-)<+.$
M'<O;`I=EBQ]LNL0V>N%^BF[>7QO\][,JO(G+N%=HP"+,&#*K-$*$_A\A3Y[1
M"7QN3\%OK<3UM*"%QF8Z[>V_MDH`*&`:T0KUI;BS9>H%961W>&)S(4;/9J]2
MS;).;2KD-G\>$'9C+S#,0PZQ&==D26F>Q''&[&!Z^TNK>=%]B*=9\<.0;F=`
M#3V%--Z/"H^9R[Q2`MIEZM@P_0-'$,D*I.LRBE#SNQV$@)@S_BCL.*Y(?A2>
M,26>I`!(1O.H;\?]8<U9+NVZGD-+S;5F;89JN,V.R6>UV@:P/'Y94'JA"'E"
MV:N['79TTM(6IJ/*%28B8R'XR^=2I*`,RL(EZ]O-/.`#MH"MP[$.T8A5A`F%
M5+G(9RHB9V3$19&!<X358J`PL"J8AI!47*[,,(E16IK\B8_$^*/)+]H])WB'
ML[[WGI+9433F,]C$\ONUEK%7M>9VV05-66J5_0JE9P;`R/424@C9`=YHD"Q!
M8CY8$R1#V!M"NS&W&5,6,++_`/;(3MDBT8=2:WJ5_9A&P]3AF7P.<ABXLO?*
MW[,^J\U5\,]A`78P@F&I;E@)('N28XIR'&E<<9>CH?3XD&,$S@]9]D]K;QN#
MU5U>",!TX'39T=T<8J1ZM'+DV-C5^,+U0-UNF="Q9IFU=*0R,%9UN,PPVU^,
M/1WGWWDA`QXFJ,34_99@W?\`5DD[/VWRZ'1';/-L6+W>K!<NMHUDB]?L?HS7
M*N;#G3`7I24)&&YXL[%40<BKF*D,MK5XF6!Z>TL&\>R6V1AZKV4+W:AFAUX>
M#%@%LP0RJ7@=#M%[J%-II_C`R,X,T2V7K/S7"LIODHO$CF7%Q(L=GL5R.M(`
M/3VG1KUO]I2-]AG!$:V0B>A6(%6UZI)RHYWZ4:1H7KW0X6A1*86:9J]8)VW*
M9,XY(C3(:F1TWCKO6&VHTB-V2^,?I/L1[)^[4PQ):NB49_68D3,AUKGQLFLQ
M:YURJ&H&7ND]MJ]1[020LBDC82Y\83BOE"+0CB67$C6^#ISCZ,++(DZYN.4>
MO'HP'J@6^OW"Q5#+^WCA'.CDJ.31&EY<#M-3MP=54M5KJEK(![62)LPW70W8
M;(F:[)(MI@K8D63`),IS1-3]O"=$9I.@EKNW%LU7H=G18ZS@!5PK9[W:`V*'
MY&%H@5\6076`8]1RSN])]ZT2B_QG42)O_B/H?D`#.9M=L/L!KV:^PI`$UTJ7
MRN,SDY6?VKYM8+)`HE1EVX*&T2;>9T2L/EI-D/-GT.!'0TV?%1`A3?RH,9V&
MJ3(2``C]9K8"]D?:0CVJG[F0U6*X`?SF]62LYKAKG(12!:_6/3#'_2!T1<*2
MQ8ANI2]A$04RVD3WQC2R(OC<N$XMR,BS+"^@_P`>9TJ[M/N3;.*(A4FAQ18R
MTP$Z0C(#I=RS`*.&]I;G4XGX1ZHT:NJ_GS=:K4!<V-71SDMF;Q,?GSF1'THP
MLCNC^POLE:-'9(KYJ6=UO/;W,L`(DC![-;B54M"\D]I:=RD%`PRB,B2-6N9H
M77GX?799^6VR9A.*FPI!&(U%0``/\?I+Y]==(]I5;X`H%NKT:BYZ5FZA=K`&
ML@>SKEV*;:[]NAVRIJI[M2*0?RJ+:(U?APVGS8Z)_!27'?L2URQ[K:0A<?K(
M2Y['^X1+4K92JV^2F6`/_;[63SB7BDB+_6&:XS[5R:/11UKF,0F3];TY645%
MC^:2N2OJRKJHLEOI"&W$1A<9G%-]H_<&M,?R];`VS:\^&S7;?&N'_0-DJUIN
ME`RP)5CNR5IJJLC1CPNX68[H_`-6YR&V[*74YO6FI3G'WE(PO\YSU*?[:!=:
MC'[!?[I<[-2[8NHWL0_DL6/5I-<ONV>M(N57`4Z`#@L\JX6E68X;'$HSTN8V
MU&^3\KK$66PY(.,>/26ON^M>V]6UD@,S]T=$HL[:`=)KTVQT<LFLCA\''LRN
M$&(8L0.GW<T2$Z9?;D:&29[<>(U!Z$1$CRXTI:UN6`!C]92@7W&]AX+UYB$B
M!^RFH="&R7:VGUWM\4KG>\7``=(#\>Y%#")$RP``9NNS(<0L\A<22F*YQT@\
MKG%]DO$3L/;#[H5T2%17H4>JAI^IQJ3"8LV=6:-7Z\PS16[D-DFRR:OH5MG!
M]*O9QP3*DICLM0FH"8T65%ER4.<L87,V8].K7IEYT?:+7I<^SR"\VC8M!*!3
M&;F*""SRY0K)N[UNRZLSR`^#%O$>E<GP4.%FERWI+4AA;LEU"F?BF+8$W_\`
M$QCQ$>(CQ$>(CQ$>(CQ$>(CQ$>(GRI*5I4A:4K0M/4J2KG%)4E7/HI*D]^O%
M)5SOT[SO^OB)X_DOUEW"?5!E=3KPEEUBL;`',RF@A%KIZ4V3:KWJTU(5V6_]
ML3EN*2R5:,H4AWL_\]3K"4(YUI29\_\`'_C+ROGIW83OK]C&3UP9D[LW.;1>
M[(6KVE.'[Y25OZ)0MBJ9)82>D"&F=D5TQK'9X[G\7#C-QXG83#4-M33D=)R\
MYE(5K]9]KK\>;"[IS$XI_<89)S1"1$V0M%M`1K79[=$G'@:!P\>(O`>5;)+"
M9_YQ5V:E"%J=8:2W%:2\Y@87ZMK0WG[='8TD16'#-7M56THP+?/''=`EA,]#
M5G#;JU#=AUN'5"-6MPYXT3'-(F<D+DKYV=(?6Y)6EY^<S:25ZAD5>O&:Y8-A
M42'8:1K*M6?''9Q.XT]HJ7LEK*6)($G(JX28+<;:N,F4/3'$PX\:2A,=MMIC
MOW$ICGSG])4M2_75(IVPYE>X1FJNTJCR*`ZS1@G2%(A5HC0J;B\'EMK+`H,3
M:EE+/;<PD+*P>."VB$"0PF3)>2F1'?2\O&)Q[EZ!WO6-/T2[C;#F8&`>TD1J
M@J9%&%(-VNBAE8PJN+R73S2Q1H<_G3SF0.S4.IC$>-R7X/>CU_A.?ER`V!,[
ME/HO9,NTO/[,&1F4:AY]=ZA:QE0)23MXLG",?&KWE-SML+1;'6H]G@&94>PB
M/PQ*ER!?/XAQ]E<!4M;#=@MD3I:GZ!WJX:O>-'I^I5BL1["?*/5\.7J+MDC"
M*N7"*T:>$)#ITI88RJ=[<A`MO?2\PN,Z,8D0UMK6[\O$!AC'^/\`&)U_67U&
MO&0>P`<B?6PY5P%1T&]G.!FB#]1>U2[Z!<(F;H`GR[0N:=*TK*;I:1A52!L-
MCXSH+B$,\7QA""P(F#T3]<)RW3[C$$%\H%@;U,OA::3<J,MJS5E9RW^Q%BBU
M:N('M,P'*M>Q^WQX=H^;C+CC(^2E+<I,QK\.1SFT?L=ZOF-=70)&=VH+E\[-
MZE::S49L8&MU%=3;CV8P"W\-`'/CX\.&YE=<L`1MM'4<9<*L.)Y\&%(59`V)
MJY,_75<)UQJ+$NT9M.R>F$'$AJO*KTK[[5(>OKMM7FY`8V.Y#L8GG$I>_,(S
M)*>.*3%:ALLL_=?2\O'ZS/M^B>F0"R`X>WYG!SOE_=TEMEH-88Y\=.0U'!"Z
M>(&Q5M5^#6!-:&1NM.I[\TNJ['0PVRTA:T<ACSZSJ53]=A&M:)D5TE'*F6@T
MDU6REA&"OSZ8\\3K`/`.#KI`FCP96:8L*K%BCB949Y^!R>-G-M/2^MHD1I4@
MO)OJWI9==:]E$ZK:+'GI;.(IBG2XU7*5]QTE.KE>MN%V^13SHQ@8T(.M,&\G
MGRV2)"3/?=468C\9C,0$_?L@;`P/6</KKZ26W$-=J]SFE\R,`*R'N3+)R`!+
M1-)?[;:?EE0AT=$Y[Y#XF=TUC,^.0&$NJ^K<AEI+$?\`$ZY*2ELC$JZ[?KRT
MR^JT607M63,DM<(7,Z<,*#6(H8S:60M.R'AM:S<C)9C/R*U>QFFQAMJ6]^"M
MV-$D\0S(3):;C(Y`2Y*_Z+1ZUK,[1PSN>"(\;3,VMM-AB*@T,FTVJ52T:K8;
M54J^_#:9:!QK;S14I>:A<9C/K;=Z^A?%\\1R\8GSK/I*?M]OT#3*7;08/1+1
MI]@N@L@<_L1<$S6#'K-`PI=4GU.=+*4K^0GD(CCSI/HB4['B/<4EMYQOK3B0
M-_E*9A?K5L;-)7`58\Q9NB[@NQ+)/ULJ=@D*G%%Z2J!CUA*2^P+`?S8D4N$.
M&6B*4PQ,&-2%<CH<4TVB8EY_Y3O%/0+1REHBW+[7KU!>!VV9HC--;`'Y-7T2
M;8">>$I61Z;)Z'B=F9=G']'[RK/MP9#C$A(]]0]GD!QB;8Y>,>9>6.^GU@SO
M,/9+,SQVDG8GL"YIAM)/@*9+FU@EIY&].2**\J?U#9W*Z/`/PT@(/41EPN.3
M6/CUM32_$A.3F=GUQ]5K?D>F=O5A7ED&.Q5;X+3S/112(<L,_33N=V62)M)&
M="',RJQDKE$4)JW$MJ7T3+3SK4+K*FGT$Y$UDI?ZT[>(L&1';&9S)H;G4#/J
MD2H^;]L=!K12-GKM!)0]M8DMABT]O93!2D(;GLHY&3*@?:865^*'./)>0]I>
M^Z^FMWVWV`'Z$;L>?SLV'O57X5HR`6\3DU\7(`2S]',P(PQ(ZSBRQ8,Z03-)
M3)74]D(B(B--Q_O/I`P`_65/W]<!X0AF+6"..M#9]&FT`@,G4R9$@5:?8310
M@1VRD1!;;;#6Q5(?R%%"R7.,+^U]Q"I;"&VTJ2\Q*OVWT:MM'K$`90*=2=((
M6_-H&0MU!O-9TNLCKH2>^9O<IQ.!QH;6+W#4W'3&-D>-?6*N7QV6E:6&7Y*&
MF[^V^I+>O[;`T2>/S(E67:I30YV':ZPV://SZ#_W0H*RUR1`DCR(:9*UUN2M
M$AQ/8L@,TI"'%.<4Q9B&P,3#>G_I\;];[/<[#9K)$N9<^!%A8]LCF3"2!6(J
M<Z=GP#];E"F(?.UPK(7$%3W2!&4L;Q+?$Q$_)E2&;,WX\3&:.`/;O-*Q9+)2
M).3WZC\'[';ZT:(01%3EUQC^3TL)3DZX??#61<B#7M$TZZ_9;[R.^5Z_R5+E
M1FHS+TE*9$'_`(21VKW2SFGZ4>S@K2]7<35S[%>L%\AU@.[0!;_/^H^%Y[Y1
MVS,&7!=<<W.L(F.-#W%J5/<_'1(Y#F]CHXG&940S]H_K,?0%9KBK:;,6*6Y&
M#@XJ:5R?*:FQ:B]4"">]NRH\B+=Y5[%1HK$5<DB->D.]+Q1R(<Y<9+P:7))]
MPZ2%I6.V^U4K0@3VKYZ.U$D"9'`34W+J-(E4L:3M&@2AU@7!0$!EK\-9?4,6
M1EJ;=<?1'ZS'DK92<3[3-U+VRSF]7BAT"K!+X5-WZHB[Y#?17X<<4`J1:H@[
MA&,V:=+,,<@M(B66!%4TRF2_^;)2VE"DI<<0DXD#,IZ-[]T6O@S,S0:O<U2J
M_9;M521:D5M!:LJMH<Q=IM2SB$J6?0:DZ!9,[JK97B.1_P"+XI]+2I;+[K,?
MJ7C])-Q/O#D9"Q#@!`+?:LSTP9JMRLUI%UP74,LNU?':47+4W1K`BURH@HI$
M&906>5+B?G!_A^+_`.;]9<?CB.)D)(_L5QFLV<E5[P"MU6>;T2VTL`1[(II>
M!::_5W*3`8T@,T.M:RLZK6(Y?H$.&S%C2B?/DN4]&:A,R)+*.)]IE!_OYFTT
ML(%R,MW@0T4:`27RY6F5QD4#AG161'')AI<:ZRYS#((1NU6>G)98?=;_`)%3
M32'7HDQN.C@?TF1WCW(%Y;-L-7J](N5KMH.Z42BQI3("-)JE@N=@GY^=.9H!
MF?V020D:"QE=U_F8?WVHP92T_;7-ZZT^PE`7,A\O]C>&5T_P9<IQ8#_(V.)7
MF0LT/#%V2DO#Y=?K5Y<O39&R)ADNTZ\V.,.EMU_^4DIXM3S+,F*R_*;1Q,[!
MSWS$C784][(-7K=.D4^FZ/&MME!5J6JQU"W6`L*&1@-5KMXGVF$9.#!*IT+^
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MTCZ[.]51;@YB[M75D6S/MTGV",K9E($N-0^`&.<;>YR:KQ,P![^O_P!9K@6]
MX/9(I6"449::&F0:H&A=K%NHN4F2%FBZPG#(6D,UKN>6BYJDR*OB]B7.&6`O
M&X2>CDN0(9"#%5^<ZF2\1-G="V/>A>VT&M9_IM1.5B^Y)CI03$E94\;'V"<2
M*Z=-T'0:Q.$7`;*[^<)!`XK<-4F3"&_S$5U?7.K1Q^S$`8\S6VZ>^FV6JM65
M="L-.KB)^8W.+5"U4S\A=;K"UL5ZOT;7),V74;!9!GW<\IMQ(G1D\G$CD^CB
M\6*.(,-=^Z]V3(*/>1W4O<KV5/4?=`+QO.*-578&PT\'H8\`4,6T,1KU5UEK
M/AK=8J&@RC@\A[!B:P(.5<L]V$OJYKL<;'(?='R.V`HR)LMO/MAKV?:I7\IS
M"$-D3WZ17HT^/<Z,4,JAF+!7C!V#>ASH:Z#;!:Z\*6$2.G]["@#D3W_L<G+E
M_5IM(%!&3,)1MYV:_P#LICE!O-J"@UTS8M,JTNF!:#;J^4U2M5;)O88$WN$J
M>Y9R0D31)UL!QH2!#S4R(T890M$U3JHK?$8`&93-)]A_9')JZFCBR=9LUTG6
M&PS%"[1F%]G6D]!O1"_VPI[!3'$:`XMRF4ZV0XU6<%M*:84]].?E1EOQ&/)*
M0#_C_A+$->[?L36;):J;8:D+8AU>98Z<_HX[,;'^`LUD1"8'U*]2H!V[!JT(
MIIY[3<ZEBGI99F$.AK/2'Y,IF"K[*3B/:5=<_<+V5N&#7$P9/4K-!=DIEYJP
MFQ#\PO4N?.MX/#AEK'AZV4@W>/)38]AL%DD-@'H;*_XY(5Q,?\^0\WUNR\1F
M7%[*:A[$UKV0/LT;08O!.<!8VEU+.YN>%"L68$@^M_L*9L<<G-`6<)+M0ZW7
M:HP833LA*VQDU2.,(7(XWQ20`8E>7?V&]I2&67@C7*HX4@-7`O7JIFP@??16
MAGK!'*7;1Q3K>LV.UDTC1YB;4(E?0PL<F!'BE%]XXVRVQ'2EP,R:N^UOL9&.
MF"]+%!+@(@1ZM:3P[_KG48LV_%B;OJ_2)M&J(^QW!U65O!R&G'&WXZH<EY!`
M/Q<ICCW"*W4F!C_'ZS')]H-.T/&2=G*ZQ0@4RA^S'KH$FZ97,_N0FK5$/<Z+
MG%XN@:^U61<WI1!FEFKK,%S''I\*$PAAK^02V['E\ZC`S_*='OO5[)0`M"/6
M*LUT2>NUN#,#L_5FEB&Q)542QC@2P-<L!J^-V.;:WBNFRS<2%`#R%P@\+G9W
MVVXTI]Y+Q$Q5Y]G_`&=?A5FDW&QY_52_3N`6B$?BYUH=7@:B5L=I];[H>SD4
M[$MYDA4Q6=C+W/4>F<44=D@FNK?CM(CSU*0%'K+I<]DMBL^/^NEVK"1\O0+A
M=3]!LMB55[',H$(Q_?0V=F+,"K],T!8"^4."V1E209"02>CD8T=F9SL5Q;K;
M:3`SCVD1US0-LLL#U6T6:[*Y-`=U=5OJP2OWP"*LEIKNRY9E(FUJY7KF.*5W
MCM>+%)\>%(<(Q^QY;[2NO1^N*5#``\R/3/>'V-J4>BB;2,K12Z'2V3G7&8.6
M'ZY6+%6=+K>)3K!3A+Y302!SEMH1+49[K:(+!*0[`&JDSFHC,24MY[2\0?2<
M17VR]DE5^P5;02E&K<__`*B-W0,;A9QHM4YK5S,8CF6AP<.H\V'HC12H6>NS
MM`F_6;&GR3,R-#:5&9:>B3W/$F![2RL?]D-&V3V66,>_*9I=)5H\@(M\&2J?
M(J"0X\-9J>G"Q]BM4!D]5IE+:D)1)<9*L-D?D_#C+6VWRP0`)3`[WQ]J#G88
MVNA,OEDAE&)/F39,%WM9O%R_EM&%V(WB38?37BVIY_F9:O`V6U#$NO$!Y"2Z
M3=$RT-1TR7B!)Q<_:SV'"VY8\B*#AF,TM%JQJ\Z?-H^C1JD'*1KC15']SF4J
M!=6`AK/A..7VOFFVI,B0S`(/$$<(-L1)G>63B)\A/=3V`7<W.'I.6*S>#NU?
MS>2@$.@S=A.`9MNM]3KI*G9PC1GY)H?J`0<#M2)3O8TR(#(S'AD(NS':<ZCB
M/YXE^4[>M`;]M3&0EDP(M*L-ST84!B1(QH_;GRM<HU=L3-A/,6"U\<J&8)@1
MW8T,@&'R!+YU:X<GD.1)C+EI,#CF5'ZS^T6]6.\Y1GE]M57NQ`J5(UVV0$YH
M2JMQ*BV@&IGC^HMS(-A?`@!&;7BG0:5.@K@J3V<M?7GFI4J&SU*P$H_//</V
M3KT#+<]K,JC7\=/(BX9?0KF)+5*#5[>]9;5!=]<+G8;C>(O'-"G@Q#!!DJCC
MA!:'TI9$2$O1N]2E1ZR0!_:[V/RFD9)F\R4-L5RG#,*?`G[1FMAAC[`!OH'.
M1Q:FV`J3T/IHIH-4F6]<U;L%J40(QXDJ3)BPX\*2XL8X@RV,O]PO9/1-KRRJ
M3J%3*;2+6^[%GL6N'*JYZR2:D^?S_9H54?/VB,1F%L^TVD3ID"+!%$>D0$^(
M\^N.RMN8ZD*@"0:'OGL30KUJ6@F[HK1Z]2K8=H5LIXG(3<PQ'!1O8'VO&51B
MNB0USAP&+'5<_``IJEJ94_81\J`F0]'0IJ8N1@8D^P3V/]B]1D:D1<M%**DA
M.&74CE5+C4EID!>;M1],OP)B\1+,*MQ1)D62&,@X1",,F21R5RV9$:1Q+J?N
MV"`)4-@_8IO;55+6-JAP*MQ#:[M3N&<XLGX-GIMZ!'-:Q2I&9INX5Y8J[%<I
M!=@%8H]H@5D6-[\>)!94GJ$)>(F_7J_O5JV"1H@B^0P8&R4*VFL^Z$&C#,!X
ML6S:1%K.C7&"LG)E-/U$E=Y*XXKX*ZOC$?O5+=^7%\3%ACTFW/B8S7$IZHXH
M9N';P0`G7C+EQ5>)<=-WN;`(B8Z3K%C;B%*ZP=;"DZ]'N-/'G&AC[#D%HPVY
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MNXR*XT>0&=N4>%89L%@IUG\QD=([%0YQA#:$)>1D97ZB`HOL+3MDKA&%6`%;
ML5FT$U6ARKRZ1NNBV<=K`R68L:I5^=HDB+%YL)1^.[_7^DH_.-Q6Y2(B&VFT
M9\8D^)>J^.D[:7NS@VSPSU@)6:><6*OMT%#RT:YB*\)MH">)'G8XY^L6#M5@
M2Y`_K7XW2#*I*$I=>?4ZDR?29)SUGQ9[J>N4_P"7QAMP$_\`W<L//I$:%9,%
M0U_@KSZ_0;AU8;^O_N[_`!OR^OR?D==1DS#WOU/Q/1[*>M=J!V*05L3X\G-0
M,OMY`C8UJ%1:\.@7T,)!V$>/!Z%&#U,;`2;B-LD?P(:(_7?M*<2M`8B0:C>E
MV>5&ZG+B]-+OO<L4*?3^"CMN%%HE?6`KL>W@-"L"[/.(:HUH]N"K,'4E?E%G
MR.M?<84XAQYY+R.,29`/4C%*X[5EP15JEQZ4R-A5@:;T.]GQ8H/7S<<_4:^B
M`9L$Z/(`4F:PI`>(]QQJ!&D/,-\^RZM'4G(S@K?J#BE''#!6?0KMGD$5G8[+
MV&J1IVA5]4BKA'2CP!PH[%LGW3%B!.')W8Q65UXASDM?%O+3Q'$(Y'WEQ9KF
MM0R.H"J'0X,X54@4>-!!!I9LV=9"C84*(.A"A;QX@2E0A4.)"0EJ,VYQEOOR
MZE/.J5WJ"<^3)YXDCQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>
M(CQ$>(CQ$>(CQ$>(CQ$>(CQ$UMLOM+F5"BZ42T23/J@G.]3:RK\MD88M$RPE
M/^J*ML$XF-"5<64,)'AJD>ER9JNLK3$AB)4IU264][Q+@GTF'1[E8HSF'_;Q
MAZ]@*8[I-^R\:].S2\SRYPWG$JZ<L)@(`KP,V7(U#^&SXL5:*(9_$_C8BW'%
M-K2MM*7B<XF2K/M_@-MLM4IX>X$DV.Y3GQ8D65I-X`R(A/G\XL6.LO\`-UP>
MBHS[3&K4]\*T4[$688B+7#X\GX]ZDXF1=?NGDW=!J-5BKL$JJVY_00$2_-4V
M]K`HN5!TK.LJECORFZJY`Y5W[KH"!:C[DAH4@FQ^.EU?5*4VEXG'ZS(2?=GU
MYAOSX$FQVUDT+DE()*NN97J*;$/(#2=*"QQL\+VG_GPBEB+:17XX>*ZA$@N\
M7CHB(=5USC:3B9+)7M5@4.'0R,G0X+<#38V:2Z),Z*L'8]ACZ[87*M0UQEI$
M]_'Z2.M_8D\?^TH9U253>1T*2KJ.)FNI+]BN:1S048'J=YM`\I9*\QVQU6DZ
M)8@SU/M4_1A88F)1`HW\P6N79F>.N2`;,1?68C_WT2GD-.]0EXF;%6GVIP6F
M#AY6PWZ/&@F*_1[2$=B!+(6</!-)B6V91Y0**)#SI9AVQM4<DEAB.VX_QUIM
MM:$K?CI=28,R%+]D<=O\X>*K5HD/&2-G_I/\(1KEF"&1UR17[M9YE5.#3(>#
M+!'A8G.379<>6EE<5Z`MESXNJ;0M!!$A*?=/UV['%S^W$ND28DDVXAQ5#OO`
M+8\;8FJ<W9"!GE:Z.$U([<7DB!)24XS!+$?DQ$<>6ASB4<3,%!]]O6:?`E$&
MK5<F.,,Q'(<`CCVOB31^1.15I3`NK`RE&AEK.;X)O0,BY"@LORF1IB++<0AA
M?5I2\3)M;/;CU^I3E32=OGU8NU+@Z%79X>MVRQC9-0,"S!FO&)1"O@R408BT
MCJZ1<%-25M/$NP)"(Z'%M*3Q)Q,PY3W+]>(48,Y(M1Z:.N(%H[2B`?/=%,CM
M#&3K8.H\'_KR>&J\QF[22IPW"_$;%JDKE0YC,MKY15?>XEXF5?EWM#Z:402V
M/H!NWCXMQ*/6HE+.47="IN9&5`I`QS1+J?O%?(6*!2(0X^%@-G"\AH5&CMHC
M-O(;B.(900WO)#3_`'SPDX-IT,^;G!]"M(ZI)Y1`]9NEJDO6VS#JZ2F4JLDQ
M59["MY^JQK8.=+,0?N.C(\QIR4AE/>_%'$_RF:]B_<;.\&!:0RVR9M>ATBJ2
MRT*JC:M=9H@C9W*[.M`2F2[8#K1D/$LI"N#WRZAC:WBO`L9V8B,IKB>J0%)_
MA!7W"H%#TBYYSJ_Y=074:71;.W:8U=NY6NF9]IK=RL<ZN-2HE6>C#;*B+2)J
MA@AY]1<HEI268W7>(;<2<3C(F2:]VO6A33?96B."9G9]T$2@QNHW8.?%&<ZI
M)70;N'-`R-=CDPY2N5H%,4\S(:;4J5&7$;^<KZ,]1Q,[>D^S(_/H.H3>U`V6
M3E]JP6O3F8+)$@2-L;;:ZG74/A@`824/RR@*/9NN(@-QW7YS[264?#J_DE`&
M9![)[XX>Q'C1J0=3;+)(F5AKH8B*M]5B1VREGJ0*TC9QDC57H\&Z4`?<(DXQ
M7U(Z:@,N)^_%1]>_1+Q,D8/W=]<BK\L9)O\`&@'!57,6HG%X#N+HAX?5QI&;
M;GJO8I57'#[A%KTP&1@NKA<4ZJ=`?C_:3(0IGB3B9+:Q[78-<`,RS!+QUP'`
MM@BF2I\^NVD0ALK8Q#9ZKS.-E`L-]RM6L,\U(%ETIZ,GMO(^R^M2N<\1Q(F`
MK_NMZTVHQ0P=>T?A6=I$"D$ZPJ/5KDF#V#I08(<H+QTF_7FA]57;6+'!CPFB
M;L1UTA(Y#^/)7%M)1Q,R]K]M,+HUM,4>W64X!LH.;`C3($^@W]*'(<T):+&Y
M9(4QNLN0IU-$A*27DD#33BA<!D>XM]]M/6^K1@S!V/W(Q@3CT_7Q),^>@((6
MJN"*S%H]]Y="%RJ5:-6XK7)=):J\BYB%P:V!D$Y3SXY+4<4C\OO>LJ0I:7B<
MXD35[Z81%!"#A:Q)%,<CN3;4Y+"7SL.*.'5:YE[+/S^="I$^+J[=8LM)EAIO
M\2M33,MM:%.\D?CQI*.)EB5OVXPJV6VK48-8[`NSVTI,KT(=-SS0A:1%L@MW
ME^33+?/(U>*-I5R3'S0\XD86>ARW&AJUH0I+C'74G$CS[3'*]P,5$U(E:[9:
M8HAH3<"]'EQ0X^VV5;EAARSW!(<>F/5()`D9-CP?5-QV8J^?F.?BMN/*^VMU
M'$QSVYSU5>M]E34-C_"I>WU'`RD/N5VE)F5<+F4IP@84%A^Q?SYM3C2[O$Y*
MF_!/6.H<3UOKG$(6CC_X2/9[[NX]<,XHU[-*M57?M3U!#%1<C/M'?C5RSZ*#
M`E:Q%EE':?#;76K))L4:,'-K0T-+..<_'<5U+O&TI4@S8/)=+";)FE*U.N#+
M.&`WL!"L8D9<@$VKV>)!GHZXPV7!3^<DP9"D<^2?\J0XWU+C:EMJ2KJ0C!Q+
M$\22,U&G5NB!N5^J#$BA7\F<,N,?DS9STDO9#,^PGB<R>2DS"$Z<5-$WY#SK
MSJUJ<<[_`)^GTYQ'K)-XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1X
MB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1X
MB/$1XB:?Z+Z89_IMBLQZQ7&]*B6+01.K,5-X;DUCJ%=T,;G<#)Y%E$!KQEMK
M_/4:S^$J!)AEG"8]'9#DB,Q'E<9?:3(,1)=,]6\^(4]ZBSBMN?KG-`U;1!D1
M!`1$6#(['6M(K5N##'8(*-W^O--:N:DP67^/O19#[?./*89;92DR<YF'KGIY
MDE5UV'M0?A;EQ8;0S.44@TFP1R;<2%-A!OA//TTG9JP\$X3E+:=!$!+TCLA2
M):I+*6VVTI8D8F'_`/A-E#Y[2K,4-WXF7U4F^2L[R"H"NQVU.V3.K.AL1`IM
M8K4$?+;F9>+0X2XVHQ-1QQ<N9(D=;>:1R,@X3]<F#!*I8ZF@G=R,:QIKBG)I
M3F>/]@3*>0RTI5B,<`QGD6E$IHJ=CP5QWI,5/;*+Y)611,7+?4M'(RR-0],L
M?UVN4JMVM=FBQJ#FEYS"ORZG,"4Q]@7?:X,KLPZB!6:^,`#[+75"6IX1V%"B
M11)'ZNL1TI[QOB0,1.2)Z=94.N`JWBR%R&*%3_Y)NNPRPM-=?EQI5PD!>NQW
M03I)EBO-WTJS%:CRF6U,R><?2\IEE3:.1D-M_I74+E:LA8F/S8%#Q;U_-Y#4
MR(ZP2VM`_GI)3.E4^TN]4&_K_">;C\_6^,G.\D*5.,2DJBH8ZXF0EY8_SDIH
M_IOG]#T$!I(VZ:>0-BK*5OIN"6-5IP+>M*-A=-KQ+0[=$'U$=)4>?$:R693%
M&OC@K/.1^MP4=CM]X@L3XD0D>@.1S3%R-3[=ITAW23_#NE#HQ&DA`5[1"-!;
M+71)<%7:('%C(=;LH)LBB0*:'$B<Q^4X5E$.RY''$<C,C=/0O$+S%@-%W[9^
M6&*]/`I[[]5/I%'/X+'*WPE_!6^I6.J&>_PN)"V%1R0^;$6F7-ZIKJGF^L,0
M&(DHO?I[EE^LH:VS)1P&:$Y=&QY<NNC,]BORJ3`:L#(R,.FD*&3)4(B,1:R:
M6955?`N_;FJ;5U33;"&DG(XQ(%5?UZX73+E5[<!)7Z.U2)==?IM9=+5V0&K4
M&GS:<Y4:T,*.U15V_IE5"T`2*'!G2[HV)"C*6VSR7(DRG4O(D8G3,>AU0EWR
MHE!%UO(6B1,O+YIH5:BFQRI>@`F2&9N5JME'I=9F\;K,H?3YS9=<1V"2=4^U
MR-(91U[BD<O'ZS][^NS#&05\K0HE:PH?21P(=:OQ1&33SLC^''5P9*FP+K8,
MN,WD20-,U.`^IR,2:X-(L)G"TP)O$O\`$<C+(TCT]S'4K+8#]E-WYN!:$,33
M51&'A[%9E7"'0R.7P-!^,H),/-VR#GY-P8GG)_\`&+0EM]V&Y*:;?2D#$3+Z
MAZIYCK9&RE;1)ML>=9YU5+2'PAQH<H:8I-4O%3JQ81U0^1V+.#LWR3-;ZO[J
M%3XT9:TJ;;6TX@$B5A+_`%\X46(=-V$AH5BL4N2")'3Q&QCHTVRG!.S2=M)G
M2\4,!%!VY]P.37PY9$2-%B/5EY0QEEACB/BEY&7G=<!JEU9T+KAZY5PGHQO+
MK(1/5@J/B%@AS'S0,_2B-=Z1#E1\9<<I7HRY#<F/+8DIXI"T=0KJ?$@.)107
M]?.%`IE@G0Y-L=E6V0,,VN?+;H3Y^P72&7!&R=ZE7'^A(NT(Q:IU>843@0B4
M6O.]ZM30UEQ7SXEY&<XG]?F`AHG!D-@^@2SIU.U>%"9:I8Z7'L%3-%;!+%3K
M.(I@ZYVJIW(B=F\+#39(G'5'ENQXG(C"N-\1R,D0KTFQP/A=N]>(3EABY_;9
MHJ2IT2S2ZQ:`L>ORPLNNP8%DJ%-K\\LX#4!CH:(F>E3+K7.ID3'OKSO$<CG/
MO.G5/1?#J1H%?TFLQR\.P@+5=[.CA"'2;+%E)NEN>NC-?CKM%--$JJ$I15[C
M()0"0)G01[:(JI+K*4IXCD<8G4YZ&8@_>;U>2TFYFY&@JOK9T'/)`6!*H&F#
M],'6X8N:(K0RUEXTMC6BZ8SA,G/DCV/QHT5UF'$8CH1R.,3-2O37/7<FJV3P
M;7=ZVS3BUB+`[M38684RY,N6RIV2AV)EYJKYJ*I+RBU-M<N"[)Z%_/ZKK<K[
M_)K2)/$<CG,AKWZ\\/E0X@N8=TZ6$!H*Q:8%=LPE$&B"K%VV2K0'K:V*VS.<
M@V0U<9$^2H@]/D-OL1FH[K$1A$;Q'(SC3Z@3@OL;5-,IAR0#S^/HE@V;0ALJ
MWO$9EXT,R*V<=$954%4)MD;#$.:^OK$UJR(;[%@,,/#7GFFIJ$<O&#,35/1$
M<\#:?OE_M,"R$IM_,V*M4UZEV#+WCEY=T(0HFH#I>:6'EEDP*!?W0RVR+'14
MGC/)"AR'^]7XCE+DK/J=1J=G97,ZY;](A`IUPS2^#)THX%,GZW9LM;SW^"G"
MRINMD7"""<S-8$D@V5212^\](XW]IIQ#;:3D<YD%-^@N*G"]!,.E;_%?ST;G
M`87':+5Z=$G"\M71'JPS,;.54NL=/5(SD;V22%J'%7FNR8_)*(LI]A:7D9L;
ME&71<DK,.HC+=<;,"$P!8@!%MLD#*[7PX6+V".&#7`E>`K<9;AI;0MR3^1(>
MZUQ:W%+ZM2DA.9:'B2/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$
M1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$
M1XB/$1XB/$1XB=$F2@AAI$P4DHAC1,&62(RW.+ZW%@P8[DJ7)<XVE:^H8CM*
M5WX\[WZ<_P`<[XB52+]A,3-F'P`?2ZJ2-1W\WC/#(1#DB6V_KXF8>S)OK3:%
M*[VZ!![\N%]/KQR.RMSOT2GO?$N#)Z8N5;`G:C6BI),4U>YI4=58?X\IW^4F
M!0LRPDF4R&&'(T7\<1`==^3RVTK^/Q3WJ^\3U))-SO._7G.\[U/?HKG._7Z=
M^G%?3O\`]._3O.__`).^(CZ\^GU^O/ISZ_7OU_QSZ=^G?_O=YXB/KSGTYWO/
MKWOTY_G_`%[].]^G/_KWZ<^OB)^^(F)&FQI=XLQ!=>6Z#+.!"*7X,Z%QLDW!
MA$EM1ES8T=L@SR&1:5]^/UUCJNJ1Q?S0M*43F:+"GR$P0R3'O%1T:!,(#&IL
M9PA!AE7IT<7*F0D.=DQ8Q*0,DHCN+2E+RX[J4=[UM7.(G?ZI/.=[WO.<3_[N
M][SG$_X^O^>_^G^/$1WO.?3G>\YU7?HGZ]YSZ]^G>_3G_P!>_3G>_P#YO$2&
MWN_5K.`;5@M$B:S"DG*W6H3`L23.DR!ZW'8%;KPR`)#1)Q&4^0,$FF_JEOJ&
MD=4XXI#2%K2@#,F75)Y]?KWG/CSY*^O><^B?\_Y[_P#3G^.__>\1/SJD\Y]?
MKS_7O.?^OUZGZ][SG.?Y[WGQ[_C_`%_QXB8*K6<'=:U7K?69R25>M0(3901!
M+,B-^<%.0620J;^-+:8EQTRX;Z5\0ZVA:?K]%)YWG><1,]\N?Y_SS_'>)[_G
MG^.]^GTYW_\`'WZ\^G_Y?$1SO._7G.\[WG?IWZ=_T[].=^G?_IWZ=YW_`//X
MB1ERXUQJY1,_<(\3;9]:(7"()['E=Z[7A90:&G$.2^,=@I^P1+QV_M=<X\KY
M_)*>I2KO$3[M5NKU*$)/64BD:*6:K5=3+^Q)E<_F+?9A-.KT/K<-F0]SL^QG
M(L;Y]3\&NN?-Q24)4KB/62/Z\^O>?7GUYSG>\^O^><[]><[WG^OT[WG?_O>(
MG[]?_3_U_P!?I_\`E^OT_P#O_3Q$QQ0N)"#Y18T4'"!4%I3TTF4FQAX^&RE:
M6U.RILMUJ-':2XOB>J6KG.=[SG^OB)D/KSZ\Y]>?7O.]YSZ\^O><^G.]YS_7
MO.=5S_[_`(B5W4M6I5XL-OK%:GD9Q.CF)X$\X[7K!!$)*BE1&2L4:?G#(P0T
ML7-F<C2.1)#W6I#;B%?3K:OHEQ+%\21]>?3Z_7_'^OU_]/I_]?KXB?GUY_CO
MUY]._3Z=^O\`K]>\YSZ?_E[WQ$CA6W5X*=J]9)D4QC=SDEH=;A=8DN](R`8E
M\Z4;X\RRY'C=BBHZW?J\MOBN<^B?JKO.=1))XB5+FV[9'K\ZPC<VO0>V3:O^
M,X79@<F-?2!-EDX`\Z+<FQ8K)^L$IX68Q%*P%21LEZ(\AI]:FE\2E((]9;7B
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M=4,5%C4"S7AAP9^$!%-!(,5IN`SQ45CO4G+SF5HQZ/\`L*4O=TN)F[YV`?N]
M[KD:V.5*<0%1;7E92PZE_P!O.M@:_GU6:#W6U4FQ5F+%=)3+#/7/"NKE%E,]
MCH0EY"65COI78JIZ^V;'[].&V4I;M4Q^UW=TI9V[!4[X-SNVYB2N)QP**S6@
M="$=0#4F4LF/F\-OSITGO2!69]YUWQ!;SD2G9'Z_]A`#*76J&3R@;611C+K0
M19;F31I4-H5$55TD-!"%R><7(AR23%!9<.0T/<!E2*G(772K$:*Y&?8CD)V@
M'IE=<PT;UU"`I4*,$*E<^9UYJI0+9)`$@.94:)=]$LEA+.P8PF'8KYN>;4:.
MS(F.]GF!LB>A:%<0[\)&009;=Y]+K9<]8T32B!.L$NEK(#+Y\IVP6H18ZD._
MM.7S;K##'AXQ^13"=JIU/)"^S1OS=0B=Q/?JVMY/;`8`8FN)']?6[JH)^MB1
M'KM&+V_.Z5GI(K_]R8-@@5S/2OL*Y0Q3]G:P&>(G6&OITVL$2-A@U\9)(RPD
M_D2..D28\]$EY#]9:\?T7OH(I7;1R!E&C/<N9VY:O0[:8L0VM[:1(:+M9ZMD
M+H6>J=H_D"^?@],&2Q:IXX@TF>&3&3QEI,:6Q1)R$Q^,>C6MY5;LOM3A6N'K
M15M/(F;K;K+=H5F!V&K$!HH;9;<'S1.&U[@C6;Y!@(2LQTZL\.E,_P#.9)P7
MY,)]!8&3$OZ2VRT;/,NME@9:0`Q-B3IZK`0DES=KT>*O:<STFICK@$(UK^-#
M3L,J=-(U^M.MSR*7(Y'GV_XY"Y3;J.7CQZSCT#T:M.A^Q%^TJRE!-CIEOO.7
M'^#C5D:_C)V>U<KBDVRY1:**QF:R-@',R\MF$!:I5JD!T/EGT=&,KE39#J`W
MC$HJ/Z(Z=6+]E=(KP"D.@8&;C""]#;+6^%"R>^U?OIZ-M%[J/$UV8R5U&ZDL
MN/RF/OO#I<]F2X](F<XZ09=2\A_C^<Z%T],/8#-ZTY9*E.JZ]%K8JL0,]N=+
M>O1VV6>Z%(V'4BI4NY`8M:B1AF390S3C:F)[T]V+&'DN2%1X'>D.NHY#^4R9
M#]9^AI?,1(MNE$0?=*D3G8__`&:'$.WC.WH^JPZ3,G<G^O-M=KFF8Q#O@]D6
M3GO6>8ZT*;_CYH;L>$EE',39<;ZM[&(PG8,\JQNEU.WR]HD:K@Q>:;*V6:"E
M\+`C4B;J5Z&TRHF[H3L!-@HCKTF!.(QQ,QB))G3W&/O^)CD9S[2G:[^N2ZB'
MQ\N5=*O+.T>"S1\@NTF99"MNSS.:9J.,.Y8Z/($(/'D7(7C&8R8A20VZGDPM
M/<:ZZN+(?<[,2\I9^=>F-LA8;<<GNXW+X0VVZ-ZZ'I]$`$K#8Z`0#XZ<R*5H
MI\DX9KH:7(LFRHS^=-FQ50UM+D26N3)4EYR7)58+><B5',]%?8R/8HAJLVO*
M`I'.J*3'XX<9FDX3<4Q7YM8M60U*[#8&<)LYVGUB[5A29CK]AEPF04IN)`#M
M.LNOOHY#$N7`_2NP8Y;]JGESY"W"[I09])K)=&B/A"1<(5$5V(T&LT89FT>T
MB#%4E`7F19M5F.=@19[RH4*(M]]OQ!;,UB<_6SKA\*<&W>1FI^*]CLZBT6L_
MSPB+5:JR*7<6*Y0;G!@8!`<O`@]'.P21@L-778#MGC**+`R7X\5:TO,>TW=T
M3!-6N'L[@VKBG<^"Y_ED00Y)BQ7VH%R'=_@-+"V^L1I3&>32EEKISMI"=AL(
M/`QT;@R4N3!ENN1>M)CD8Q[RF3_H%..6^Q3'F,Q71[3I^L:0?JJXQ-F$>)7>
M%J']=)'A48.D87-BR]N%R7W9'W/BY!^:%+6TS]4O*=W'?2_6:/7O92'8M*EK
MT+8\P/T4'J0ZW]F_4D?'6#H0^7KC6<UJQLG<SE&6X(XE-L9Z0Z-CH3'2/1_X
MR$%AD2J17H3N5;CB2-1(9P*3`H%OIT_-+1:UV^HD"5Y/GS!>T0D0,5J.;CI=
M6"3IH&KQ'J1,@CX=T-R)C4Q3,:.],2\A[SN5C]<-K:#QI=K?S8A=A<$Y"K!I
MPF=+RJI#;H)@+G@H86;J-:9:C4*WRXA")V&-'QXKT-$F)&8=:8;;LG*0&I>C
M>XWG.5EFH=2QPD7@NMSJDX9/+)WR?%MFEERUKT1!VADH02S:A7;9$KI=J1`L
M+38F/_R=(14L0$24M/4O"\X-9[CP7+3C/842N!FJ\&=;N:KF62(DB8STAN69
M;HN>#HSH4Q.EP8+,(8S#:'1(O6T,\5V.S9@?)S-%FO1O4+HUD`35F,>E5;#<
MRK&+BQ(XE9#4#2ZY5Z;>0T:ZV@.0J@F&"F<./UN5#`_,K'@/,3W>3GE<B\ZF
M7(#TS+H]2?5J^X;?-*N6A6AVVFK>.'0.66-;FY[-CB\(2"\=D_6G<X`&TE:0
MA_\`B1Q$C8S[C@M*4LM0&U*C)2,0?2;[>)C(/IEZB9AGEVT<@#LEE'42KF[:
M2`T\>R7M10;7Q[Y0A%KXE^7`04+JAQE]8C<>0M]SG$([U2N<ZB5?ZX^T^*>V
M-6+77"K0[<:J$GC`Y,NH60#\A6`A7Q=ED5N:.,,0C`VP@QQJ+PC$E1V7HC[O
M&U\^?%<Y2"/6)L1Y(CQ$>(GDEZ4WK1C'NS[WJLMQ)6'/M#U.V,9Y6)\A]Z)G
MT_UD1GV.7"&#2X^XS'@VWED'37FFT-\3)8<7WG5.*[W-A]HD]\3:KU5]QJG[
M4>O!WV!!54W4HE6M>R4NR5`Q,@SBXL]C%NL55-Q^S(/.17DD^`$RV._%*DM2
M4)7SBN=\Q(P<2S#^@?O=DW["L%A[CE<`Y6^Q3DZIW:AVGD5-GHUM'1X<YT22
M5#<<BS8DX41C384MKO&I420A7.)7Q;:!&(_2;M^2)Y4;I^T[/LH]^_7OT+J]
M*F:-:]/.CP>MW(<8[`"8A,MP0P7S@24^(HA',6>UL`I$E0];\-;,#B'4J<4O
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MT?3]=#ZQ.%"WX*A[\9+:%-RY+C[J(*9@#&3_`(]99VX^YURR;5;?4X(_-I0.
MI'JU79%9+RS#&B-UTEGHS2#V]SGFRC(Z)C5<3(D5V0ZN%QMDNPIUP@GB>P^I
M`N1.Y2_<"^WBG^V.D`QV:E*;A="T(]G?13IZ?_>S%5,Z\T&*3[#&)/#%5(J&
MSZ#WGX##KKSDMYUM[C7&D+05QCZRNR/N/OM3)2*S>YGKI6G9]HM]:AZ>4&7L
M'FM*1GQ.Y0B)>],%KJB0\S>Y("$.$--DH*89&<CCCTSJVF%)>(]LSFRKW.UC
M5=>Q^KD9.;YS`L-[Y'N="6(>LQ7E0MN(7*]YZ!3H3-Y8AC=)>L5-G_R0>6%%
MF!BH?6'1[L=3$^8@J`)4FA^]FRUO8;/_`%MW-2SG'[7G0K.YAML7`S"=5M-U
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MOJ^_)KB([:NJ?^G$Q`S-,*A[_P!N?.S-"MY*DP*B.$6VGF)JSX\9F:)%?J6K
MZ-5K:RL/?]!K8D_8YX8/77VDV`EU;[BF4+1)6B,TF7'Q@3$V#]@M]M-QK@X-
M<<@S46$-`K&]8KTL@"K<1_N7;\/M6?:.'AZ<JR3(4J[4^.X$DDH]5_*=;CR(
M\4@Q^._(D<<2U?7?V]V.Z;14LPG4IEH#<"%KNUC7>+&&AW`&)M-BV25$!4UD
MY<`)DU"R2511XB;`'5\NOK1'KKKPQ$1*)=D*C&9C;#[]ZD1T35:-F(W+RD2C
MDK00@&[4'-1GXP&C5GV5G6*LG*X`T@H=CV.58\":C1)Y)FO*[#).2TB7V6XR
MYB.(QF97.?;K1;7?/8>^R%UXQ"S+UKN]U!X+69YWM@K!^C:AJ@0>)T=IR259
M_N=R%TN,\S(BP(;O(LGK:(S[;;,B0CB/'\95=U]T-79FWMZ)H^/L0^U`S18.
MR#B%C;]<_P`P14=/T1F_UIIFVO3&+`9FB6*:TZDY(2V:AN+0I]Q#8Y4E"B97
M,_?7:70M:58P-!#TD5<LVS:QVFT&PI_5('9C]BJ4F7*S&'K0R^7<]>B0D48C
MR$C@\F&++//1QIQ$7KKUDXC^<L]_V_W"J>OWJ?9'!^=:3IVT$3(FWV!I02B4
M)L[6X!<@_1VEV3308FL7$_,'J%(6Z5FNPYD24XD7+6W^$E`4$GZ"00S[X^PE
M4!F;59A&"PP71XE\4X_#T`1'KJK?6-&MP0I<3,RPR8[@:IC,V<06ZS'CJE+(
M<6VJ*B'WDM'$9QYF-Y[Q:H#.7P\\6S.1$;@6!\7/-R[!S,M%7CQ2Z!(E<PF*
MQ8G'XES]CV(K<T$E4TSQ/(#W&FBO$H<\DO$3)2_V*;;_`&8>(%XI7""!+]\"
M644Z9AABMLN^,$*G4]FI6?R[-<0#DDL`M1N<\,:'CK+/)1H#<=,/G97YC%DX
MB6UZW>YFD:E?<IK&BC<N"B-3K-J(5.;13%>MY>V&0T*78^IFB:KKUX>RX('K
ML"0S^3-X98*$(CK3SP:4N)`E)"H`F:]?_:LL:/W^IWET9%&T[+[#J-?:'**7
M^WSZ_6K%*@V\G;"4*PRC08@/(3H\<;7Y(&-((0?MRA\Z>G\F/`05F'HON%J6
MCX0[=JO$R]=UD>Q],Q`2<D17R=&?!W%-&*HM4L#2=,N2DDQH.Y]:6/9L[W?S
M(WT?<B+4[&CI>(SCVQ*5C_L-]A(KM"@2\ESZR&3E2&Z.3@U\EVMQ[*&.9UB&
MA)SRC2;S>Q4^5H57&:Y(6YV%#L$HRD<PAD3#[-4N(CB/Y3'4WW*TGES/S9FH
M8N:BVRY@P+.HMF+7*];LN&FLSP,\X[/!*M_U4[&-E9(9"E'H*%V(NCCCL;[[
ML5*7CXEQX][;6?<?9,#3H)4:NE5ZR6-V%,K"4A460$3JFL#X@J[5IN\W:=#*
M@#N;]EL?R:0D]Q$MM:Q49/&G9$]Y"N!*)_\`GOK`ZY7>SN6?%$PBF:5BQQ:B
M6G6Q07,C52=]CC$G!K&RU9$_9]DM&Y78(_KS?(OTX,4K@>2IAAF19>(_66#/
M]X-@7VMW-FTX-7@A9.QBC>3G`IW^X9>>K6E9A0@<'6[&J_1I$$YGH&T$K38X
ML<3`0X&'3.-=3'9240CB/UERY][6:W;,[]FM`?%Y80'X;FUI)TZ57VK1T/IM
MLJK.B.LW.&368(M1\LN<:GPY8QJ+^=*_%G*5R:^E#3KZ8E1X$IG0OV!:KG!A
MZE3A&6G+]62VKURT#F1Q>MASLFNUS2S%#LU4<,Z*_9U#7)]"_&,#QXJR+CM]
MZ](FC>2(B'4H4'^$XKS[R>R>;N3*\<JN,'K`1M5GJU?L0F.4JE.!NTBTWVMR
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MF39S#"S-3@5.`LI?LS5/D!6S@ZW4GBVC4(Q4(ICLJ;%0A;CT:,ZN)^3_`+/G
M.)SB)=FK>VF(Y+ZO6;W#)VA%JPFM4&/I?;51.1K)T]4IO(G8,RM-(E1F"TB?
M^<VEEGCJ%+<5Q'^%_P"/(!YQ[Q+`K&W95<9&<0Z[=@Q";KV>OZKFL-+KC+]R
MH,1JN/3K"$2\VVF8P/:MPU4AM/?OLIF-J6CB>][Q@Q/$?TYUN'F_LQ^SG8=<
M[+H^">JFX[O7)UYFPR)"$:LN[Z53-".<%#Q4*9/E\K`6L@6'>--N+Z^4YSZ<
M3SZ^9'R`/>/?,S/JJ6E87Z6?N(C@E<3)QWVN_82;KB4M\6B+TE3X&B!$I9[Q
M2?M-/V!"^I^GT_SWZ^#Y81Z_Y3S7_6+^QW$,"ON?QPF=^Q=PKOL;ZF^L6?G1
M&=X!<S4@I[@>O=1*4RW1*?QN-#'7QFSY>W$EOSQ;LCJ?XCO7D\Y]%<K#(CTG
M]:EOTT#4,SO&FS_NI'4&D'+O81;W6V2XN,"K#UJEC"L/CCBQI1`YKGS9<_W)
MZKG^O/IWN&/.(G\L'J=N_HV$]5<%]I-9]H,19W;:??H'[;^TITY<QG;E3++&
MB:>^$HQ*O=4[;803.JO,B@X:>1.Q>/RW%M*ZV_Q7<_/\L0<B>M7M<3`:=[T_
MIIME*.#++6"UR]HM``'@LUF>+-UEWUI>E03(V9'6MF6.F1BC*VW4]ZE27$_3
M_7S$>AB;V>T_M#G?J!EK.T:S'/<S:)=J14+;8@,!LDBD0KU8(E6A7.P1>R&)
M']5#&2,;A%UCCKT>.[UU+:^(4GR`9B;!\(C^QHDSDZ'^(0[%3!E?DL_CS53O
MC^$F(]\_MR%2_GS[7$=[USZ\^/U^ODB4KB/L1G^^S]K&4=PAR=@NV6S!KU&)
MMQ&'V[G3QP(F1D0F8TR6XH-*CV!K\9UWC2W>H7_LYSG^:1B)>_DB/$1XB/$1
MXB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$1XB/$3
M3BT^W6?4#0;R,T>GF*70ZE:5YW/W(B]6I=1?MH+(X6[/@RT&`3?N8B'%IQ1]
MR%+>@+B.SHSS/%M.NQN2$RXY]/67+>M1I=/@Y_8BHF81@::;A4T>0;#*3,B#
MRU4L=U^\7'D68QI(W@VMO?=A\87*^^XE'6.J^7.)`,RK)_NKZGU]H?%G:>)&
M=(BWY;0M54N+4Z'$@3;D*DP#09NL?GUXE#?SRP<6/GLQIC;(2>[UGC41]:$8
M,EG/97UT,V7M`9O0`[99EIATZ/7((8P;D&#DITP]WHEF$&F,'@HN75R"2!2+
MU\6+DCI#<R0P['=2A'$^OM.@UO=%:VJ_9--KL4$B@*SB?8+>8(5D?R=<M9(@
MZ]0&PU6_*<MI:%8)YMH6S8/QD0%%F)`]+O78SWP1@XS,[6]V]?M`NTW-JY;J
MS8[?.B?R<\.T+F.LD.0((TA]AXI)%H"SS$02_%E<A?D+FHA\0_QKC*?GQ&#C
M/M,C8-TPREV:?7;%>ZB`M;;UF<GC9:TQRJY%)H0"_P!G<<2F/]V2Z$SZQ#YS
MJN=5W\20CB?KWG4\1@F4?G?N=ZP6[.*K<R9VOTCMGCC01*JE0Q/\NON/#FB;
M\(M]*Y$3_20[!+_F/*:17&NN=^LI/R[]4I4@R[[3L6$4D^NMVVWTROV-1B8Z
MH630S'GNFX6=6329LQ*%1NJ>F,9O4BA!4CG>]_$A/)^7R3U'B3!E)$?<'U8S
M3-BK=`LE;)Q\Z!%Q=)SJKC28OII^I4VY'!X&F-I!]B.`716?%XZ2\5#PB-T;
M,2X_Q45]"$O%B?,F2/:GU<1$X/=T&G-QV0;QW\.*.FD!*XXDG)C)@B9@\0^(
M-FGBHMY0P?"6_/)ICJ?@LOMI^YQ)@R&3?;?,E9]DFD.UT:S6=LUJWT+I:P))
MC@P,#G#>ER[!?[42332"AC,*K9(_(9C%&1_VG'&F)$B,EEUYM+@RXZ+OV%ZA
M9!@.DVL:?MO\";LK`K^`.P3X(/$./5LT^;B%@L&?4)#QN"MCL8@F')E=:ZI#
M;B.?+Q(01ZS[#[SA1JR5NL5VX`C5GOX\?90@L"+)%9Y4(9K8H_!M!#^,%R/X
MX!*KYF!WI*<IB(GLV,PIWCK[+:T8,QB/8O&Q6CR,T-6(#7[\6M:ZZ,%,]=(R
MC;[30$=!F&)XH>[`KKL\H5CC(K1-]A;\KK##75N/,M]1@X_255<O;:@4:SZ5
M4"F?26JMDE[QW/;05^Z&D2>&M8GU:97IP;-@C)J\$*^WRTMK@34CTM%"D*9%
MB?)Z,I?4H7Z2>E_9WUB$?9+%;F";_.$4FWAB2:I89O;3`M;U?%4J=2YD6NR.
MW<C(DW,7%;8$*FS(CI..TXVTI]M*DG$R#WKW:]8ZQ`'QAUH!W5^:9S2<@*!%
M%YZ'1.B7;,A?]J$+AUXA#L)2NIUL(6DCH/WRO/Y&+Q3;;LIGJDH5I)KIL/KK
MIP090)A03;X.B0\W-BQ3_3=7'6:M6J[4<4**@;-+@C1QJ4)(VT8Y)&PY2Y[:
MI+3#[3?9">*28(DVO>\81FA5^L7RQCZX1`#@AJ,/G5<^XPZU(.5^K@V*J]%`
MR(-@.-';8,B-#Q2Y)!APA'YUE/'4=Z@`GTE29[NGKJ/N^28=DTAFZ/:"]>=&
M9,_E6`TX%G%@LO5"Q\Q8[)!FN2[;85VOCTB`Y.;+0&"+2G([4=;:?$I!QDRQ
MX7L9ZV,O2%A;Q5)9.$,K\U<"LB9Y>P]@:`+MMRKS,0*!$3#DU^S#:&8G(BL,
M./NJ'/=4W]Q/TZDP9EJSO./W`;=3^9F8%RD5>H0;4>>!"R,:,N,_7UV4($(V
M*0*9%Q[#T3-;><&//=(CF9C:Y$=I+R/FC!'K*OHGNGZW6G/Z+9!5L!!Y=T%0
M9HVG2HA,7($FYH"LV!@69=F`A\>OPI:[D)8@EIS<0<2=*0OQ7752XZ7$<3,S
M']O/6:5`FRR5ZK[)&I+"NE1D<0:.RAIXBEH8J!6G!@&3_;B(9V3^/,6%3+5!
M9[Q<C[+2N=ZEXF2X]O?KS6@%-FF+A5V:[IU()7^E_C"IA.#;*-&CUZ?,.CXH
ML5-Y)'S%V\2VRE2.+FS2D2,REV3)9:6DP9@%^VOK&-8?(1]!$N,J@@SDB0#J
M]I*J<DVU#3HH4YP)7)CKMYFPG>27@?TZ=CPDKDOQ6X[:W$HP9TR?MSZGBY9"
M#(TNIRI,=X*8^V'"&;`@Y/*SJO'$2:P\"!$F+F8_E;>(9ZD4J;*C2YS#;G$.
MK2GQ'$SY?]JO7&')Z_9;55A40Z0(N5RQ\B2C8&U0Q^9Q[R\17918:2$'%7J`
M^^ZV/ERDD'A[7U;;6VZA/48,YH'M?B9>^Y%EU%+1+06U2>4%-Q!PXN-:J0X'
M0M"MBF[$S.!,11)MA>=OCW0$QR&8B]<ZXY&2VTOQ&#C)D5J/NAA%A)6AFXE`
MM#G5W0]8HH7EABV'DR6)S0Z2K)ZS'))&G"!U.AVBPU(DT+:=E/LETP.)C/O2
MT/Q(R7B?:2RV^S^,A"^*C3K\=ZF>P%:LU@JMNGAR_!*VPI7.8PEDJ*D`')8X
M?87M!8?3/(<APHGV.=><YUYOOB,'^8E@9/L.?:JHQ_4I4"181<<))N;`=I\H
M/$D3(J(0'"I=QACVZX7.-@W8C[L5F2Y+BQ7XZGFVT.L]6D((ES>))C#16."#
MEC<Q#[D0.,GE93<5I3\E<<?%=EOHC,)_W//J:9[Q".?Y4KZ<\1/`#T?S^J;M
MK?O+[L^Z0"HCA=-W:H7FBU,I?YUE]?LK##/6#&[9!TJ<%*KA4DKJ0B@%A39,
M_,B.+&RHSJ(/6&T<6O-O'@1-9,C@!<DC>P&K$0J\\JOOGZK^T?L!5JV3']#.
MEY0WW$F3_7_CPIYIG_\`6DK0?8,.ZRPI''TLSF&>\YUOX\R]Q^AD/I/1"W^G
M.IT/916"4*G0+I^OKV3VN#K^ET]<J.S#]<+/7H-DOE^IPD"XI*YF/[S?QPB?
M&BQ?HR"-]G(XTAB<S\,0?&?>)2\']?WO$/)>J?K]0M'`8SGGHO.U<MB/NL.E
M!-"OMJH-N`3*C0,4L^$6&+#BN2P];,<A6.9)FK&3V`T.1$ZF2XIMAD2S6/9Q
M!/TU]</V"_K\L=UN&V[I["72B;-ZO3[BB%W1_:BV>PA:AU^_CP$.$B.-('Z9
MJ]0(.$(D?XI&!I<)Q7.-=XKQZD$1_P"$G/ZW;GH^^8%^V^H['G1_(-!]B[%I
M?L)5L_N,1X4<[0/9+);%4*?+C09C<:6^U'(9=,AN=ZVASDB*OY(3]><Z/J)#
M+A]&?6TM[.?I7_7[7*D="4'3<_5DNN9MI)09/)S,^L>>Z[/*E3H&.,G#W72Q
MJH))C.M.N=B2623C<A*FEJ^@G#>?29'U,],5^D=#A$O>,H`LEGAH]ZJY%A:'
M7YTIJ97:W:F<P)Y3/MU69XTW.A2K%77H/9S*W5M]>'H6W\/EU/,<^GZ3&?ST
MY;6O7ZY6K"L9NWKGGV9?LH]>;]AN%!\U%8%.*V'1L^HS(JD^P&U:M9_ZDO.;
M#C6CYR_//5XS(<[*!/0(;[$KLY]3'GIZ>?:/_"5[4]6W#]?/M#Z-UWW3S0_F
M/KMZ'XS[L9CG>N$9\`E7/8*PRZU9;#49-#?A//R&YYO.!8`./'R&T2UD5OM]
MY]>=2F$`CQ+_``]9>![.M.P+U']@,S]U]%*3<7_8_P"J^J;G$FWLCU0?U\]X
M"`2PZX>PL<1FN<CA@=R$/PY@".YU'WCM:FQV$]?D-\=>I\1/J%N6@^^_J=Z-
M_K2JUH*9+[T`I%&MOL3-+C)D@SZ[USU,%B+75-(L46*]'[+[K-C347`2F9/Q
MFLDGG/EWC2N*>`<^T?\`A-O<#_7W^Q3U1?.^PN-[9@EM]D_8F1;+;[GY%K#-
M[5Z^7O52USLQNL:-D]BJL*';:,3K-;-,BG83D!R)/BQ^<5U"TH5R9!\'TB;B
M^C_K1[SY)J^IZ[[<>TM+VONS4FI.ELXI-"=J5:SG1@1(CSK5/G?=927JPVK3
M&QC4N3$CDYR&&>RNJ^PVKL)!&!$].O,8CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$
M>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(FG=W]-JKHEKOINTW^]2JU=+
M)+O46@14U:'7JYH)#*`^,RKG$GMUY5D*$(M+$J3"C3)KT&)*F/O_`&5N\C*C
MID&QZ3/ZQA@W>JK2JR>VFVLP!4V]$XYBG2*>'.V(V6JUKIHTA&+C0WT@N4"%
M:92V4#T,_>D,M=F==2EQ#B0''M*VJGH-G=7`3`J;G;GW"4TZ2FR!XZE5F"W+
ML0CV%$3FA%?KM8'A`PQAKV/+]CQV6?HW^#"XM3G4OJ?2\C,0%_7EFU81^)5K
M00K\1O3:_I4,P-I><L:..>#V8U=)H2!JC57:NL:(4LEAF\_(3)_*8%S)`]*U
M,/N_)'(F6KK_`*KQ=BT09HY?2[2%*4\3$8S2(%!4A+5*/QK;1[LHV_/F5V47
MMP]^PYX-?4()R'AORXXO[?W>1G(R`<#$C57]/>9N'K_<^U&T<N8&[#K<BV7$
M;6S/):YU8J>=WA<D*+#!!?9QF@@Y?(G6VVV8I26E[J%,M\9\1R^OI.WI7J/C
MNQZ$SNI2TG67G&<I*I=`EP/]2E0LRLY&RD):GGQDWCT'3*W+9`6-SDCX2P,%
MAIKK"T=>4@,0,2/$?16CD1HV,'TO01#+N3P<-L4R&JHD'+?CD@1&%66JR'"%
M;ELCI%LC0(KBB<)+,N(MGZQE-\<7SJ.4F&X>F>;[S>V=`M!ZY"2S%8JE63%K
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MDUQSUU'Y/;+SH$R[VB^WO3(8MJ]GS\6O#&#,X.0-/P",8-6Q`D<*5&%E6AZ6
MF4_;_'A-J5Q3RWG7$A.?X2EJ3Z'5^F6*AV!.N:`7=SVQ4PF!7+%4(>9BUO.*
MB-I%.HD.S!*J-.0:T_713<>P)0[U=C:6XB5WC?6TM)2WB6^[ZOTQZZVF\=/6
MA)&V7&CW6?$2^+Y`9(T.]5:_"XL9'\9U_P#"DE:FPT_Q:UKZPXOX*2OJ5I2<
MC.I=?6H!<]C';A<+T?5)ID4&W4`\:!40@JMB@MLJ%\+0RYN,";L%G&$3]&C/
M-H(S'&QB7YG8_$*D=6A&<#$IFC_KQSFEW2I7.-HVA&OZ2W3>5J$6;ILA]EFH
MRLLG1A\NQM5AJQ3*ZN3DL%48;R2B"/Y.G=CMH5(XIM+R\2OL]]'7:_L5>'BK
M@4:P_(70]B$CG;=5SU@-:G",8#84$98R!019&M0Y:\4^A*-*)RT*[/6J$AE+
MWTB)2WC]99U:_7WGM:T`!?$:#H!1=7[6'08LJW3Y*X:ZW8,KL:8/]@Y6$63^
MM/D,C@K:$HDMP(CQ`D^VW]Z5Q;23E)+8O3^@7CV#G[;.T6T3+")/TL[_`%1C
MM/EMUPE72F3V:")Z7?!2K@/JI)>2CI+8;LQN$V^2)3&T?>F)<91R(&)U<M]6
M<WR/4QLNO;#8I"JAP]I<G*29"CN(2=O-;3G9+1C7V`D>X-"Y@*MHBQ4??:'(
MEQY#G/FM2DMH))'I(A,_7]C98V7LX'1+N/,VF7I5FAK@DZL2#.)O-TJ-KAQU
M!70;D2P4RD1ADX!"'O\`7(CM?M)6#*Z]R6A;:`QQCVE@8WZ6U#&WS'\3=[43
M'%LFYDCPO^+IM;B2QKLE4MZQ'V:C7`<2Q64>MQQ@0\^SQL*/D/PXR$QW/@E!
M8F5D*_6[G,4Y7+78;]:+[;@P6%4"-ANU5S,S(,4P"`I8"H#HT+E.CCJS8ZJB
M@P9<<T-:CSES7I3J^]^<=,5+S]O:9G0O3Z=7ZG4">*F[/+TW,R%GFY].)6:K
M`F1LV]$&%V`E.>+9]<`\]EH;]^)^.Z/5]8TIQQ"N26V%\2<L^OI)+*]/Z7H.
M,YIFEPN$TH0S/"`N%2R]>6$G#G3-?+XO;.V*2-*BI\67.'7#%1CZ84MK\9Z,
M\\S(84ESGQ1RP<B8V%Z;!ZB\(&4?:#>;26[`*TFL@:Q3\G&B1VM`J$QF-EOU
M9JK]3=ALC[)GC[L0B%2AX8S)E*G,I9DJ4M:.4K[-/1XO3];K##9PT&]?\5;D
M$LDK3]H`6(S.MQFW9M<C)62ZS0`I<>'GSZ"ZJ;&G$B"_R""^0^QV$\3XE+>/
MUDB(?KMHI`8Y6'-.T!5(ET`O0I]6ECZ-/94DO6J37)%E'3Y=6<DC["XWG`1;
MRN\>C/MPU1U-<CR9+;R3E+`SGU#K677BEV87H96#!#V!ZZ2,]"UC.J?3+;J2
M\UMN9SKET4#K,4B.=D4BR/J?'#Y+,5R9&3-<XMU3ZG4%LC$QMP]&:5;I-M;7
MH-^%5_12)@IHU<@IJKT:U3%:1H>L4Q22,ZNR2H-NBW73"+S"8;S?)[#<=F9]
MY+:NN(Y2TKABV?:4Q1XTBXD.I&9=;:+7U!RP5U9^KV`IEI,N;1U465_(NPI&
M?C$\>8_\=')J_FGO7&NI>LF<3%XEZTUG(KD9OE:NITU$/4BM4M@/R/6QX23!
MKBN+B6`\]71<!RZ6MM"?QHI.<MV1#'J5$;[]GX\2@G/B;1>))^=YSO.\[SG>
M=Y].\[_GG>=_UYWG_KSOB)Y_-?JX]'&+'/.L8OUD.6MRK^7RYJ^Z0C"S%X6_
M%D*M)C"TV[F3%2?7(+'^)`=R/]&&_P#C_P!B?I>1B;(Z]ZV8?O,O+YVLYV$N
M,S&+R&T?,I,W\R*Y5;8"?C21\R+T=*A\E#_OPF%O0)/'H$A<9E3K*U,M=0R1
M$O'R1'B)`K7EF;7NQ4*W7.B5.T6K+3DNRYO8SH(<2.48]/%R@LXI5RDJ.Y,"
MRYHN8XP\IA:/N([SY?7J4]XS$Z!S&LLLFF4[93M%KQ/4L_"6"MTZ\R87%'P8
M*TI;0<%1I25)X[#F);[\4NI<^S]UW[7P^\[\[DXQ[1)A6ZS6Z<$@5JH@`M6K
M@IMQH6`KHN"%"C67GW93K0\6-8C08;3DE]:^I;;2GJU][]/KWODB9SQ$XOL,
M??\`R?LM?D_:^Q^1]M'W_L?/[GV?N_3[GVON?[OC]?I]?\_Z^(E0[7Z]XE['
M5T)4]TS&HZE7*W;05[`";>+;)Q1%NK4CLD(>@?+J7(\V$XI7/JE7Q=:6IMSB
MVUJ3V@D>D23:9EF;;/1SN::U1:KH^?V:+R&>IUS"#[!7BC"%I=:3*&$F'XRG
M([R$N-.<3QQEQ*5H4E7.=Y(G8$9MGE?L3UP!T2GB+?(KPVI2;8.K0>':)56#
M\9X)KDJPL0T%Y0,;R.C[$5QY3#7P3\4\^G/+D^D2:^2(\1'B(\1'B(\1'B(\
M1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B)Y1[/*]
MOY_L+:.URM[>)PB+,AP;NUG1D1*,'Z..<S5\18,E(E#L=`BTE9\\RV3&BH,<
MF@3"G=5,=F.C&FTS&,?K*A7D7N90*S6H6:Q]&EC45PK:"+=DDU$Q9*9+M&EW
MS^^`J+);D038`[,R7@_\2*.EM=Z1<0M#WYCCKBDN5/K.U8*[^QQ`<)7HU\TF
M160#H69,TV#51*+K9X>H4PF5'J>SZ%9H]E2_@VE587#(0W9B5D(!IS\GLB+R
M:EM`XS-W"@_L(&`;/9J1=M9,Z"0E%5Q`9<Y2?Z9&CF[3[40SKH*O=_$8@+'T
M8)GBP4=<SJ8<Q^.KY]>?)NK2`K[^G_TF++Y9[D'Z":D&KI[&6.,[9`4>`)"G
M$9V;5E`,-7+RRU$%=,NW!J_1;&)4'>(2B?2AC[;B7DI1,=1U&5S[38"!_P#)
M96)7<<0C;9.ECO8Z"N;;(;\()L=\PZ:9"%+%*HM6F$GX]&?`IE.!N1H4E')T
M$;)GCDLN3&64(\9_E-1<[H/O*G,<8P^77-RJ@.CT;;&+T]*F9>V,-CY671R/
MK_0YI.+/*L'EQ+#!2.,L18[<5+SKL9UY3#O5>)D2N<^)R:_,]N<7S*3:K?H.
MT@:S,I&G&SO`MPS$78J[I@AW=?\`IH#1(!%P?"9IL(+#KCA(5#3(1(;8A.26
MG4=)?-(,'Z3?+62'L8YN7K4S1`=V12(ZJI-T:PBI3$JK%AY>24'W\-;P<LN(
MBA7:\*9@S(TR1&)2I;LW[<%J.N+*>ZF(Q@RI]9K'MZ5O&C0QIF]!Z-3;-:',
MSO-?KU/NAJ4,TK)]6L;UD"U=V:/-2)^2VV:*J0]#3T`@[$EN]:<5SJG?$HQC
M]9D_7.J[NK;ZIH&K5#5:3`,TJ\C55K^ZM6&GB2DG-_5?HZ1H#@Z7'7:;+++5
M^SLQ#)2.^22]&7&==1Q+/%H.,>/\>LH,3COMKE5,X)J9'V-4,9GV2-7*X`N%
M1+RQUP(A;+8Z(9(K-K2IZD$-3+K79G),EY"FOQ$/-_Q_)G%(RI]<383#*%[9
M5_2L]L>C736#PTB4B\T8)8+%5R%'@-'JA[$3;.X)$0(,25$'"[<!H$<:E*W%
MQ&'OHC_]*)+<02OH)4ME)^]5=LF@%!0/=+%"ZK9!Y89`70)PJ5<S4/:1N!$,
M:C3"<%<3/Q0:955EUON,MQYZ8CTM/9#19SB/MEG6JO>WT#U)K[`ZPZ,[KQG8
M3!349J'H)V^!<TEVZWL#XM%A`)H/XPA4%BONHB0'TS5C.2?KUU]QU+C^$#CR
M_243=,I]SI@,;*LY_=K^0>?U`N4C!B];$!I%N>5[*4#-&>T.&0;%Q\W-`3]3
MED@4M9$>B,MMV7QUUB0OL\QE9<F*5/W'%;OFCNA7+2$9XL/839R`:@#+("(S
MYA_:HIFH&I0$F*%4U@:([1I0%UR%+<XS$6RPOKDHJKM@E<>/640,QOV`I^R[
M?=A5*UX32['IM\:OIC+J]0J1I96C&=VU*\5I&8G!]@68UATPQ8@LX@5+,Q2`
M`2T\-'+5^1,:;2Y&,2;UD?\`L`LU]KXJX,Z738JH.:1-*G"CM>75IIVK1JP[
M).`3S).5"@";POLY9X>`%1$QFU+85)?D<:6TD^WVDDQRG>QP;(/8JPD`N[#]
M&NMLP.<;FV0A27=3/#@54RL'[$.Y8[#GO!X?VX$&RL5A+BF/I-XVJ!Q,;L+O
M)!QG])^U'%-LF9=[NF;>%TDW;=D]>':?015U.""=A.CA03;Q%!KQ$;%G_P`,
M/OW]/.`F3??DVT^6DNK<<4YUY?E@D>/XSIUS']M;T9TYF%%N>$XS>M#&$H-.
M",46G6*GUB//]<(=XF/"ACQIG/1>IR*H>E2Q0MQ#[D9AR:^VP2DI^VC(QY\F
M5_7:=[PV"CO`]@L'L"2DVRC:H)Y"S]V#1IM0]@)M&JD%ANQ6:/:)!0MCQ,YP
MY)K\\:['!CY3_6NM(:0-ZU)<K[8DUKM<]PB]KJ0:&0]CJ[3GK/6&]`(60[56
M.1\KBV/.9.<1JA,G/E3;%R_HT0['OCBN=G/3G'_O.*<4/=39/M_3,W,]1"^J
MNYT_6M?`:&W9ZV4(I9T&_I8B2M1%S3!=$:U\KO3!:=0R4E<%;DBO*4N&+:>8
MY"=7$<:0TD;&?$T&H>,;77+#5K!2<IT[(H-?M-R&[Z2ISM+K=GWF(YLEMT@#
M)%0F#$G^=AB0(Y4/IJ9R%/FM6KD..]Q*92XR99'I_@2]?:^HZXSL58U;`<_N
M)[0R&7,5VV$I59I<P94Z-7)=QM$>7G-R-D6S%2V19,S($20\3KL"S#C"$2.(
M5!:EQDBXQ@S(XE%]J3.T*T:[_P#;H.AG=BT$5#H-RGU!D""P^94-!.TTE,K(
MAZ=(A6'ERC`8Z7U2GIT9E?XRTH0J1X@\<8]YKC(K'[!1YUAR;;-MD5Y8D`:L
MHH,S7#-C.4DK=2G=EK%3/J+BZQ3=/"!'&)%84N([-5`CM18,CC\B4ZVE^V9$
M96_>=XF=LS<K3"KM6OMKM5+J-J`U],]`*LUC<2^601]ULAXBS]S3JCRI5:Q1
MX;<%Z,1E/.SG/R'IR^H^WTG(T&]^T68V0N]BU_M;?_Z^*6.JT`:'<+2<YLKN
M8'K8*S^TLGVA`?1,[M4NT"Y#+$7A8@"XI3+Z^-#%>(^V6?!Q?<8>4^GDL!&T
M>J7S&O7(_`*P()FJQ"JKU(-^N[D6FZ#V,J8&/12L"M%UD(L1S^/DNQ%=^YSG
M&?K),C)SZ9_^<M;U,'[O7;S<*]I@:XN53E!H4L03,LB:U5J98(D-L>2SNI5D
M%*>`V5F6I+YA\]$8B/-OR%P)2'.,Q'/+(V/YS?7Q,8\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B)I+HONM7J+K!3&QU%+W>XNNBPE+;KEBKGX
M%CN\TA2H,ZGG"4Z3''TB>(8OL*:]R8ZY(_`:><_'XI4-N8F04D9G0F^Z_846
M49[BESD5J&YJI=\S'LU'ZXG/<!LXJB[A?.#'#34I350N9IB,/&\[T@:B_*0V
MVS\?M]1Q_P`Y7M:]_6(**53K'3Y=UT.W!AD40_3"(:*(*:(;N%4K0VD&42Y/
M6:+(5$O@R=UR<\IW\#CLC\?B%1OR4O'_`"DK]5?=1W<K$-S0]1;3"ND*NEYM
MSLD88PNJ5ZW#45X[(I!&0,D$8463%K%U&\9G<D*BD)K$QMG_``TA;J0K@9F2
MN/O$.KU]N6<5S*;)H%BK9A0P6[6K33F0AQH6#T8S;G'SQ@B/$B251<S&?%EP
M..R92)3K++B6GOO-,HXS#A/<>T76U6@U2LXGO94)]>MGTVCR;`4KXHAIUJRF
MY@*G.A-]CSR)"DP(A?LZ%WL^.KDA#C4I'T2GK?B./^<K,5^Q`[4F+0K7LE+P
M9Y>V0`^500!NND(9,I.KV#2)]'(D8LAR7'773&SM+68>B(9E18\C[;/R:93)
M2\<^DNVF^V],UI\UTWBMR#@*S3+AJ=6G7L?5NDRDK)QN>%+C%157B,LS3[-7
M7=4%QXW9R&'7)*9?.?:2RA;R3$A7_P"T'&.)(#9N.WJM'JX.J1C1&)Y:F$F<
MWKFH)I+.6V26X-.O,VS^<EZ%!_-A#5.OCDPYWRZY]J+^8EXR$A_V!V6LA1TR
M\YR]:8LRITSK%B`D!5?<(:A;B57!QJ.Q6W)1E]D#Q925/6<<=;XEEE37X?SX
MC[B./F6]B7N9&T.^MYX;J]D@G[I;Y,K/8L\1&K\Z-G:ZK9;+,D645,GJ)0B^
M?R:P@8<0IOBVB)H>VE*N/=4E(5P,S!&/V`5F*"#RETLR$+GC%WK1`!()`BV@
M9@1#/N":Q+TC-FYT`I7WC)I;*'XDV3"0PEQ'VY#Z7$*ZCC)!E_LKHFSZ.3K=
M/K;`&HR,1OINB6ZV-C/QKCH]+T*/FQ$K)"A#)(Y7*T(L\:4VN(_\G9<5;3S3
MGU^2$HP`/,CML]@MJ]<3%01[($ZP1J:LTL)'MES[.B+L36]ECDKV39R8";(7
MB!"S$Y!HXT-($\+0'XMD>Z33R7$5$2A2,`CQ.^W[US9I@G40_KWH!B\UTV&I
M5FKD:V9VPR-T(X:TP=$J\$Q.L,:,8C?Q65$"7Y[:$M*C28C24=E..QV$<?UD
MT.>TSEL]=3FX8M7B!MMB]9Y5ZE&)?Q$;EW2>O>>5H\P+>E$FAX_J9=FGA?OR
MG6TQ2,%UQ25-H3\T8P<&5U=/?^*$S6]V>M8_92]\H]AL]#FT8S8JX$'HT"E4
M2[76UA)%LCR"L+HT2O/R,-N8RR[R8YQIQM'VW/DE`7SB7I?/8$AFTG;B)ZJO
ME0^2XWEFCLUX`]"[:"IN[FM4$DZ\T2*$H%?<XAVE0FXKBU1FDK==6XYU'4_!
M`&<?QE3CO>X4U(,CKGC]XIA@1$O\Y,%TY23S4V+F0S=E6I]F>&.O1VF_[%Z\
MG8,/[GQ5(:?A25<:2\ZW'1QDBSCVY):=LM=S,-E,\.)FN[=%M9&RVL0-N=(=
MR>5G<8$^>SU##Y*+'T-F]HF#N*?YUP4Y%G-]=9D?[$%<#,I;/OV*#B8:0&-T
MLN;N%=J8EPS88_8U9I1C1B+5`G\HD*9)3/4/)3Q6FC5#$<3(D%94>;'C1UN,
M-_?2E)DB_P"S;,(59KQD5FFF&CED9:D0Z:S$$-G8[9&FQ]+K#,UM@A-XW.NN
M=,D2`AE"7%27AKD976UJXOB.!FXVK:61I^51M!KL!'94TUED2/`LD"=%<8@7
MR_T^LSD$!W'H4V&3ABK$ZKC:U)ZS*1SCB5<2I'4Q`R<37BR>WI/.]1V6DV^E
MJD@P%D<$Y=9O[!7`0NP%H.6X5:9=#FMRIDDRT9F&]47V'+Y%<_,<4F$PPY(X
MSR0EX^,R`SOV9YNQ5@9F%F6C2[!8?P$P*>\@+$*,.&JY3;37%E'$3Y?8,.S#
M++.3!<^TM3TD#.:ZA*T<^J7@9>MK]L!U?(#6Q^:7<N';H>4:#=2<MP)6B%'&
M[A:9U/S8//K!L@P=GV2<9#3^$8K324C&XO\`R.*<6EKQ,<2L+%[V=8LDFKU+
M)"I"?`T>HTAU=NM@*F]."B>\RL/NEPI$-ULG)MP.BSH?W9BX_P!%,3'V8DA+
M"W$*<2\9B>?L+CRE!X@G`-&)F#5?K]_BB>6?-X+C>77F?G8O/;C(F3K0S"3.
MLA#2X;+PI"URAZHDM3O5-MLKD(X_K/F)^QFL%3R:L#QK2S)],FF5.;&B.U](
MT5J=PL>?UY%&*V%T@@!`@05Z/"=08<D<C3>,2&V&UNH;2ZEXRR7/=2KC\AE:
M\<H=K%Q(.@6S.2M-_+"O7BL6(%6[";`A+J#>EPU52TW(D)A"H8R0OKO)IP>O
MYJBR$R/$G'SB56>_8W1'!33]>K-C88,UD_*AG>\`'9];/0,K+Z%&2;I<4["D
M='1RU;+`''9,\>T^<$2(["W6VWGV$O`SA<]\[.%*%(UBQ4\^71.OD`=2:[8J
M;,2@)F]L]G8I>\2;N3/"8CBBE6]<YBDATP..,3G&$)DNMR''(R.,V)Q/VB%;
M;=3=:$42S@038`I::;="\VONC;L"!7T[FIB0P)'DY)P!+C6:NOJ0S-81UV"Z
MP[Q7'%NL,IB1B;2^))J)[X[[=/5_U-U_<\[$U@W=J/`J_P#6QMS8+2JL^1LU
MYJ]/0X;B@B0<O*AQ&[`I[K<>4PXXIOB>+3]?KXF2CDV)H:,_;;(RZ9L>:>Q>
M42[;K7KGH&NP=?L'K@F$]FD+#,@J^!7.T;ZS`TNWC+`/;!B_92NPB%3AS#YQ
MLBQ-_'5(:;0I4F7#/D>DF+/[B,CE1M0<9QC684FCM%Y5&CV(YCE<;W"#6M\T
MOUTLKN:OD=-2M9$??LK)JCBR+<$N2@_!Z+%=3QSX,R<#]9K1IW[D[1!RSVHM
M^19^8OIQO,#.U>L$1JL@H'*-D5?]%_73V5LF@;M&L%]"(,1JQ==Z@QI`T*\\
M3D,/]:C,N\CK?59E\?IG_'G$VS]G_P!DT7UU]K/3CU[?[F*Q.RM50AM\RTV7
M@.YUT-L-M@8]B,K+@JR<=%ADD]>EO+-I=9D)@`(#[_\`L[]'.)B$RI,O'W3]
MF-,Q0[ZYY5C`2HR=,]D+]>ZV,M6@@;I<*A1ZOE.177:+R630,YE#KSIEU)5^
MEK@`:Z,EPI!"=)^?7N(84VXD4`Y)]!-.;;^WFHL>N5NLM&9>O&H1\OBKIND!
MZ"7JN/V#2+7Z:;S[7U"QHHM\M#&GU^CM0,)G0YHLG]#$>4^TQWJT?<DHF9EP
M\X]O_P!9W;;^W&KPZ\3`#:C=J_;8LABL5W4B%.K%GS:_Z#G&C>O5#]A:Q6JE
M'U.LW.#RFS]Z@L1I97^-B2OMRWXBYG(269=CAYF2>_=1BA",?<HF%>P&CRXM
M\-4VFQJU`SF'%T(>`JGL#:REI#G;+H((`%9'PO6JQ+D"BLF$=8BR!DA4/[<]
MOB4?&9ZNYAH5>US-,\U>I=G=JFG4:I:%6>DXW(1+M>N@`?9`O2$/CKW(D[^-
M)-_=:^:_MN?5/R[]/KXGF1@XDY\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B
M(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B)K;;/77UDL5@O-A
MMM$I,FR6,<Q,N9&9/=A3XT=Z?69[-@;ZR3C*JA*46ST1(_E87(<QZ6&C.]?4
M[&;4A+DSJD/67U;:?BEBM`IC?Y]C:MT-V>5FH'SCZ6&Y4Z<Q$D%^#I;5@[%1
M-,1^-JC&Y3299!N2^CCO$O)IR.^K'J\5ESC?,PI+THT(["=GP'Y,?GXG?ZV0
MZ5$K@$66A)I7]9#/=+0OL$>_QL%?9'_BQNMI.33Y@>M/KS6"M+74PD//Y=?(
M510033+.2K`\]VD1_P`ZNBRU?A$VQUD1"C,L.K4ZPY+>C0V&W'51FN-^(R9C
MJ=G_`*J&-$T@U5ZG3GKU!N<NO6\NOCJTRK98:;-NAN"`7*EN#EJG`=/(S"38
MU"&U3"4]U]/9*Y"^H\XQ)C4L+]>:L8L5PI]'I$`E;*X0J9XG`6U(B3JOQZ&T
M<!-QERWQ<(5*(16G"+4=MI$F9]79'%OK4M2,F5>2S_TY'Q&LVF52M<D06Y;(
M$)&CV.3;2"(RLGZ6.4.?#==MIYZN/@:GR:7#OONB7Q[''7V7(Z_@ERWK+5FY
MEC+P(W`$MU@#).A[UG/+'`FP'B\63H(L#'MD%J=.D2>RSA1JG"Y$EM[KCSZQ
MK2W.*^/>]29,IB%Z\^GV0NX;FY*E5ARQ0I4F%17ROY<XM/(UNF?V><<M+KLY
MWLP5#$Y.Q(C=)?='0)8F$B*EER/%XVERQ\R<V+$_5UUNO"I]$KCRBT2"(K\>
MKH-=GM#"Q6MD1AJ,Y4I*9XH?`,5`:_&.?)I`QZ.E;4ECKB^K29,Y*QF^01MF
M'ZB`ECHDNKU$YGM8CI#,Q!<TKKTZFV^WG0]VGM=>NY:TP,T`LK1#E/MQ^C7O
MN?)YUSX(R<8G51ZP^ISQ".670*.1+*LDQI9.>:FEB)FTR&6I"(1N;/-2Y-F+
M"(<1/\;'G*DK$QD?&&AAKZ\\2\FE@5+'<-S.]F[;4JG4ZK?;2%?;*S8C_(Y*
M57HT]HB01#@/RU-#PZS+G)DS\1EEEZ>ZJ0]\GW5N*29)\2&ZS6_6FS6C.S&I
M!*U=#M^7-RZB-SW)-C&DV;*`M"2*8X)J9(!=:>K\DG%<*]C=>8CS7(_'T(D*
M0M`S[255O"L2ID.*U3:;4PDL8X-(CBOPZ3(LEQL^[S0I\@0(37R1DK',WLZ_
M^5*?<D/OSY/5N*4I7>(R3*SSSU:P>C9,O.RC\2ZTF\AZ:#*,'R<.-5+*3''2
M]PA$JP"%/0@@(A8[[9)QKB1OQ<7/D)4VKO&F>(2DDGQ,TKU7]49\V+'5F5"F
M3T4\]0(\;\IY^2]79(<I7[.RY'_DU.333X6Y2HT\HXE9531#O'9'_)SZHY-+
M7FTG*CK5F$$15:,_RP(!2[?%G26B,J>#J?"A:O@SZY$EZ8\@3P[+DMI?5USG
MY+CG>]^7>^),F4Y8LO\`4?5%6*JVRJ9^4F#GY)*S`#?W`)MF(7NFIB'"1.#(
MD"RRZM=+9;[8RVZOG1AYLI+XGLF/(^BD98>9EJQGGK?5=BG"J_6Q(C7:_!9U
M%X@_-+_S;P_2H]EIRW8Q4D2=>+B>PL[DLK%I4[`&-Q8SB6&>_85XC)Q^DB]W
MR;U$KE=58SM3JS(*QII0>(W6R15MDO(%V2L"*B8!"ZV78;=L`$IP8RDU#;X2
MBPV6VU2.1V^(XE!:2R3Z^^KD,81B<HN>@HL`3F;$^:(EMUDD'$9<,*U3+%)/
MAR(TN$CU8+-GBQSK<AGZ0WY$7BE-..M]29:3:G1,HO>45&2#&0)F:W,=7]*K
MPXNS(:1(9/EX.B!"\B$5<[-C2_[!-8FI0Y]%,R>I3].?3B>(\@_K.O9,7Q#4
M4$9IZG56TKG'9!>66CN=[/9M$>'5@KI>(:%2F9XJQCXU#$,HE1WF9<50QCJ%
MH6WSO$9(E>#<3]3"@"SC!-&HH\/6_P"G9789T%J959H->,2BQ:C`(]F9>$F!
MSU%DW>:Y`D1)2%L_R+R4.]XM:?$9,G%NQ#"-1E0C%KJ=<L\R%69]!9)?R4M+
M\BM.3'H#M>(2AI*.LNP+,]<5#3*4\X-)]6]&ZS*ZISQ&3*^K?K[ZA2BJJY5:
MM02!NM`P))D,)LTLD2JX>5?>W,58!L-D](DUQX_HU)_.D$HR6)!4B+^4EY];
M'/BERTDU1P3UCKB(K=/HV=QDV!^?(&?@O1IJB*&9E/,R(05;DV2M0<,]0@BX
M\&+WD,:R-CH8:9:;XGQ(2?>0[-J]ZP7S1],@4C/U,6G*;!60MR>D5VSU^L2K
M,!M3]IKQ$>S,[$J]M.UJT5-+R"C3,B5$^PPWQ[C/6T>)3G$RX&N>JKH2=08`
MNJS0=LMUQU`M`L+1D@P9N'KQI%,K=FMIDU:NR''9N9:$%`Q(SDF3\(Z845,/
MG8L='P2?=,/-P7U!:T,32I>44N/:N4ZWW&!$2(DQ`2P-BMMBA6:=*2R\R`E%
MB5EV0SQM3Z%RT</SN,=0B2_Q:7+8S)['Q/UPZ0EG6:?0I,^V$+C.<GN2F9JB
MDPXS>8]X2/Z_.>:;9EHT"Q=G,1>(90X6FK6A*WG5=29,CV0^L]+RK7M/UL,1
M'.F=#@M`(@,&$@5T-7*Z,LQVS2H:8<.9,21+OV"RNKFRTIBMNN_\BV.2GI4B
M0@G(Q-H_$DK;7\HS7<<VMF4[!6!MRS6XCVH-LK1AZ7&'$X,6;%*,)D28,J#,
MC=BSX++Z'&GFUMN-I5Q7.\\2@D'(]9KS+_7CZ3$JE0Z3*]=,]D5;.;!8[55A
M_P".32I9NZ$Q1N[3+,1:)I)WUJ]%P4"4<8.ODHQI^!&<FH?5'9ZA+R;.<SF/
M>@/IE9%1&"^$4UR7"D&"8R5$EGQ)H;(-:5<=:/S1!42:@EQBBVB:4<G3%QW6
M_O\`\S*C.?**^MCJ.32/&/UP>AEZI`NH$?73.C-&;B#$C($)XRR/D!8F4U7%
MH(ODX4;CO$:O)R>DA0[L!;K@^9$%Q%.M..,-.)1S;.<^9<UN]4O76^O:')N6
M2U2R2M6#YT`O\PJQ+DS+`'R2=**9I`7,5+Y)',TLK.>EP?Q%1U-2G5O?7KJN
MK\29,X+IZE^NVB96$Q:Z9B)/YU6+%RWU81*)6%HK4[:DF5+MVJIW"(8CW.L6
M5F<<F_;GP"$>6VS*=92YQEQ3?4<B#D>LI9K];7H$XZ#+,>NF;K_I.>+QX3(9
ME&^Q!5%$4Z\9D]7Y;39W\.5+@4C0#P5V;*2Z21"(/L*?^/TXE+S;ZR3+]$O2
M8E9;I=58=G<L_<F@8NW$D2""V7W(!+.K-!4U!;+_`,6!,&"6=5:9/DPV8TPT
ML2/7-<D\:9^B.33)-^G/J!7S;<;N9U(>2M=XMV@!*W-L9[^.5=3]1T2O7DM0
MZ;.L2PM?=*U35;+_`"<<)#BQW4EY,AYOKJON\1R:;)TBM5*CU&M4.BCQP:H4
M,`%IE:`"W/N0:^`K(R*'"`X_%.O.ML"Q<-IE"5JZOB$<^O>]_P`^)CZ^9*?$
M3X6ZTWU'''$-]=7QIOBUI1UQU7%*XVCY=Y\U]2GO><Y_GZ<[XB??B)BB1T(%
MA$"1@P*$CA#:7BT\D0B080QE24J2Z0E2GFF(3:DKYWBG%)YWG>?_`%\1/T4<
M"G6I#X,P+,L1)LP;+>%$(A%J*1'2GH1"!(<B//(9FP9D=QEYI7>+:=0I*N<5
MSO.(F4\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B
M(\1'B(\1'B(\1/,Z^>B1R_;B7OA@CF\RFS]4KVE$.E`4\G<[T(8M>#&I^67U
M$F.H//I%7BXX\X&3UV2VN3+BI7&C\B.NS$SY8'ZR46CT?C7#/\#I5C5GQ_\`
MZ4HRJE&Z>J_"XY#Z]9P&[JD5^'.9?2+C?U+(IPCX\XE7&R"&_P#[#[J%2.7D
MF0O"_42P4^\;=6ITYZ!2DXHUG-0EL5UP=7H]_P!3CS(VH'J?'D2VU$`([/:+
MG<%M+:&&&)\*?';7]/FE%@M_XR.CO0'0['/*VC1K/F4"YOCJ*)K)FG#;`4G4
M!NH/^MHV6=JIX_''DX5A,US"Y75N,(B\2^0:94I;+3CCB.7TE?C/UEW=1H4:
M*D\H!18Z6X/:EFKMAI]>`3@U&P^N!=.%O]JTXB3NA<UC?'2\)KH?DH=,:B.$
MGVV)'YR7G)RY^M\_&M-5E`;M2J]10(C-ZR_20U;G"QG:M_4:["W\)`A#WHPV
M.WJUVR"@%6W/M<ZUT7/Z]QQR7Q7$G*=\/^O4]6W::H,0RE/:]6`%3[+_`*W+
M@3J]%&T+UB"E2E2<CP'UL2C%GP&<MUC[D5#D4^IQ;JGFW&WT<LRD]:]&[;G5
M9JH2CTZEZ/*L-#I65-5"!G!=^L`[M'$YF+M.\=)CX:Q%4OO)%)4M@P47$Z["
ME2/O3N/--QY4E#9]3-B/9;T:O&WZ-;[,$-YB(@V4A&L\6XEQ!9_4Q3X_(G<R
MYDD,DW"F#F,DLDQGA$ESJW?DHE.1^`ZI7'%V0-@2-0/U^V6`&FU5(_*)M;-S
M:I9"$LL>N,F_B&A-<37;!AXB_BZL#(_]0DW>/D1TF&R'<#22$A$<9\.-*0CD
M)BH7Z^M:4V-D'KIE9TA)$1ZH]R:`F-M9F-0K-TBK]FRPX$&-EZQ0A.=MCX!!
M(X"@@N2N<KL%778K\CD)E4^CND91S/+IC0_)R%[S`73R4:&XERM0+)8*W6Y,
M&^0G!4FM%Z^0*[0J-#@.6&4Y`-`>M-3FI;_&G84JQR!\'TD\]KO3C4?8_0(I
MEJWY\-J",^*5;D,D)D\,P)1_/]=I-H$N/#PGY]FK=C?T.!)[R84;8A-#GVFX
M+CDM4AM(K`?QG1`^BIVK;M5-##.9*JG`M6DZ)!:>KI&+;,["Q3N_$8-%R]N'
M&X'#A[!&VEI1+J7(K3;T*2GC$CDMM<1+R\?K(#HWZWKO=K1JD\?K0@%7-`<T
M^`/&1Q9=,L/52<(W;\<`+4W+Y$4WGVVZC>2LGJ$?&0,,1X[:4K85WJ.4L/0_
M3'1+%ZUY]AM),46I<$F]#.6P87GS+0+B%KR];RH\S3[9R@AS`]-/LUF[,CCA
MPNO-O,]_$:D0X[7$NHY#.9VLY]%9%#W;--4<G5R>,J`LR_+CAILVJS1MUG6_
M>+)-L\2#$K4]5N[>86V_CFFY1,8E3PMI]WD_O(Z(R0MD8E$E/1S;6]+T5=48
MR6%*E5FSK`Z*2A62(C0.:C-]MPAI[3IHN$LG(O5+%;U#DLLL?DL340.I[+BI
MEH3"3+D,?X_29JX_K>MQR"[";+9J7;F2F9IYV0F?6#5JA,7CV2(HJ!2Q<IUT
M>C@TUWV!8FLR.QI3D,W6XW66.<<:EPT@>75N7IY?]`T,9:Z`:S"MNC,PR^G@
MK]<`1.Y:92C.3O[)/A,B'B,9\?8JK?G=+C0CK$U]G[\!B7QYJ9^2EMI`8"48
M/_7)I*JE=J@0M.>"D:<)EAG+<`E'5:%@$9.LV;1D.X7:5U4<S^;8HMK6T26F
M%7VDD!\>4EIUOO(S".4[0O\`7=?AMG*W2<K%+.79/UDX)JTYNP",EL(86&IM
M:FYK9L[9JQ=4:HC$TN*<".ODCG!9-MN.S#0GC\R3(YRV+IZB:FK-/7ZF5>PT
M)Q.7XKEN4WU3L2PP>RV,MO&+Z`J=G(Z-^6A3AQW*I`Z/%(OLIB(FLO*=>^RM
MEVQR&3GZR8^B^#:3AM(A-VT/G%1A6^F9Y),T.BQ3,!JKVFHYEG5&8D?B2XL:
M"LO8F0$Z2=5].N-2DQ64/2^-N2G$C$&2.]^J*K]6K#6+!)J!P6<]B3FUJ&V`
M$HP)4/GU`B!&"I@Z8A^+*)C2TEJ6EQ2%-)ZUSJ><7Q/>(#8_RFN[?H)?*XXR
M%II;*&:(:_ZH'6NM.P[3668`#,R6#6<G'JS%890V@EH-BRXNF;(ZY%<B_P`J
MB;Q4B5]Y"I+RDKSWT\N]!S78Z^>G4&-+OGK!-Q,=8L^KKLR\U""`.[/*I8%B
M3`K5.E:6P%IVD08JR#O!1,J0$\==9^[(Z^FP6!/\Y2>+>I&M'9\[5XV>8OD[
MAC5QUVJU7(U*U5F=FD3,[G%MX=_,PKH8::J@S="$-0NV-2XH:;T.E+_8S_7$
MQ4R"1Z3V4B_E?BQOSN,<F_89_+Y%ZYV+R5]M/Y'(W7N<=ZQ]WZ_#Y<XKX_3Z
M_P"?+,)Y8:5^NDA9TR#-;ML&-92%PV2WV6$6L-QD5JY,WWVCI&]URIO"S?+I
M5ZB(8`5=V`1=A`7VWB"F)"XLIMM3:IB9\Y,M1]'+%;I&)3*C;0H>+COKE9<&
MBU&U2C]K"$>VT,`K7]H?,.-1"4RST$:*<D`BSS'9')#CZ%LM\F*>CV0-Z_QE
M>EOUHPRUZ$R),ZJHR]`E03^E5Q3])8HZVZ=41+EFIX\9624::1LAT-*47A-R
M0C4UCK"I$B3_`,\=Q+S\?K+]]2O5*Z8)8K9:+_?`U\,6FO!YCCXD:2')B:;=
M)*[;[(61E$^5)XD1I>E,1",*.GZ.1&8_VW.J[].\2$@^DWI\3&:U^WE'L>D^
MOMVI%4$0CIP^2S^.P+*!F;$(DQ(^DU"<74;KT@D'8/@HP>*^[.@JE1^2XB'&
MOFGY_7Q*IP<S0^TY%[<8P&CT3']"OS=-%Z$`!Q"H2F"9U=K5?*T*VW/^7I><
MU\29L42B0MRL44;(%?ERF1]?'PQ_'&1Z)DKJ9Y4^3.-]SVY6?E2BHW;)U:!7
M70P5JU>LTZN#M/LN>&K[DQB(G+*@8"2;%3(`CX/"W(,91"&2'BYI2&XZM<;K
M*3Q^DB6`43WD8$4O-;18]5S.HA@>"4QX&$K]<C$P^;CZAFS,@J,NRPI:GAK:
M/DPS\&SQX;DP@N5*^XTF,Q%@NN)25]?&9LMBZO8VK8W[,6.Z!MAM^SF1-&MX
M*KFB\`=&=-$?6?*(9\;E<U`V<`K[D+3!YWDD?&9?3'(,_P"QA77F^O)#C(QZ
M2@`[?[!^TXG9F#.QO&8)"RU"O5\D$I<'LS-N!/8(C#N_`AZ"\<>TEQ(:FMC'
M"\Q3W)SL9J7'3V203V2_;^G^,2SX.:V]WULI<>SYSJNB4T9[;:1I6F9G=!HQ
M_3M(QHKI&L$JM,M%-;Z.AV_L(J=KEFD@WVTS",`9UIZ*].ZJ&[9,C/\`*8LQ
MF^WC+1:;%BU2M8;/[_I>;D!&3':G315!KE7J]7]/VP1KM))B$3ZJ4%2*Q8(C
M_?FEV$U`=2TRT['BK0C(]_7_`.LSOJ;0/8\WI68ZG[$G+Z5/UK/-K!3AYP#'
MKHJHV>U+];W#->=3(%1%6:(2M`.Q3!!$9]!J8#/(K#S\:.TM:"1C`E&9+5_:
MK,\QQ^MX[2+?634"Y6^3O$%6+TS+XI&([`KD.I]>GS7R#NGV1.E\&=(V9I]/
M2%%Y8EJ2D@D9U*4\<^?22.I$?>"+4(LFX%]_,V#N<6TOGT6OT<,-^QK<2$M^
MUT_8NG`D:22@,JC*=I\Q"(8&4Y+=B-O/]8@.N)/MG<FUWVQT2_EK<.YM-8(7
M&8^O/$W0#7%TW/05<U3V]9JI^55"PZ?"IMP;J9V@]4\OB#4H1+6ASZK:DH9D
M>!+4P8I[HV+?JA8M?=ME'SRS4AR\N9O.K,(L&"1+A$N15[,;#9:_"<#@M`S,
MW+!152I,Y;LN+!<:C(?1)DOM6#QQX]9KJGULT2S$JF!:R_1J7<J]=%2/934A
M,<*%[MD\G[I8EH%4L$.TS.D>:6/%T8`=/MO/,O=K8WO\9WD=QY4+Q+D?R_\`
MTF;R_.O:#'1=.JPL/KPVM-@8BV9X`52B=B*[&ZDZ3I8[63$4.HW-QW^9GS$G
M)">?^(M</CS[45;ZE002"?:;'^GP[VFG&P)C=KCHTP-!S\F\X`L%='UB*W?"
MQ<7'-BK*J6"@G;)+`2X<]X3*B*CA^0)R6V?RFV(\CMD;'M/1;Q,(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'
MB(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B(\1'B)01;
MVAPD'`OY$K?H<./E^JU'$KNAP6>5,$:=?)5+AU&LMCVQ:YQ51N1H`KC4J&V_
M"3QYQ2WDIC2NLI<&6`G5,P6]!CHT>A+D%+#*J(QA-PKRGB-K@NQF)U8@M<(]
M7+L,-Z8RAV$WQ4EM3J.*1SJD_5)@S'V+8,^JY`$.)V"+UVP0)):$_"6B;`9$
M1'PK3Y8C/86J(/&I;/,/)>=6E#D=+CB.J2VKZ)<&=;-=KS;6*X`LE/LXN4U9
M*:,T,<&?)"^65-(.<ZX$L\T#%GRY\(078^+C#KB><[Q7$J^+G%(2@@B8&I^R
M&1VVK#KNBQNU2HF1PDN%/Z2+)9C",C#_`.0H%.&HOL:O2Y44U'C*>B.<:^$A
MG_<WU7T[]$8.<2;D=5R\/_+_`,MI%"%_UXG""G_Y&X5Z%_!F"3+L@<)+_DD6
MOXTF0CLK<88>^#KJ$*4E/><[WQ&#.$AK&<"RA03.NM88E5YF4_:U+/AT,4UJ
M-$CS_G<7ESD\K/),22EQGLS[7'4?YY_C_/B,3#DMQS,57[/:)5@4Z$JMD`5"
M5)%C"9U\S9+6)J1FK"*B/!Q")&X3;)%O`Q$%L:U)7*>D\0WQ74J^B,&98?J]
M!EM"N$+%"JA8Q7Y]JC56\N)I5S9KHGLGA4Q.J-FZ-L$$:-Y#=4^^Y'2RVA'5
M]5\?\^),3X3L>0JB&""=4S=4"NP!I6P34WBL=B`A9AQ#(@D8D\*?9&0"KSJ4
M1GGU(;?4KG$=5WO/$N#.^]I^:1YS(R1H=&8)2)8>`P/>MH!J<_.L4)1*OPF8
MBR"7W)9P<GLB&VE/5R6>=6WQ2?\`/B3!D=KV\8]:18@^$T:GRJY9)8@?5;&J
MPB(X*VDCJ971HNKD9$QMDV4>7"=1^,Q\G_FCJ?CWO.^)<&2AC0Z60'6<F!L0
MZVM4YR7'LD.E/<NA@80A1^R7PSH2K_RQ=9WK7/\`9!0RJ6XKO.);[WO.>(P9
M50/VIQ"PEZX!'6@FDI9538K#$^F746V$,03-RKKE9N,LC7XL.E6M\_G1Z%'&
ME7(DR3*$R&VFUJXCBT8,[P?V7R$^*S"PB#-@EUC8)3`^BVKM"OD2MS"DTH\%
M&"#1>;6XT6I%RY:.N-%BENPGWGN<1Q/R6CBD8,ELO9<P'WX[F)&Y"1MTK-#B
M::?&$5/P(HFCS"TH(V=FG);#(!EMDA$ZE]GLK\B,VZRZZVAI]E;B,'&9D(VJ
MY?,=%,1-(H4IX\%EV,&S&N%>?=,UZ`F6N<>%-M$5+(A82(#_`%V4SQ;#?&7.
MJ5SX*^B3!G#;]8SJC0BLNQV\#$?$`[18G@S12#)L4L73!SQ2SN"Z^S(46*/!
MH3"EOML-+6W_`(XKG.]YXEP9@S>[YC7-*@Y.<.S!EN(C(I2.J57K$BL-HG"[
MB=A09MVX+[4!QB6"SXU.;B2)K4A40:\YQ/QXGY(P<9]I(8FKY=/>&1X.DT&;
M(-`Y-F#L1+C79#Q:MPFY#LRP#&F2*USP<1J&\IV6UQ;#:6E]4OG$J^B,&84E
MO.)"(5>(D==S:-!MTH/#JTKMUKKK5C?/V2-3P_\`!J9(.?RK4ZT2VX"7&/FW
MR2KX*5SO._1&#+8\21XB/$1XB:\4WVKP>_[7=?7JIW=135:`V;580O:W:X(A
M<BJ\IW;D+`7(@#BTRV&J+_V(`X=A"R$R4'49AIEMM*>3SQ+@@9]IL/XDCQ$>
M(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>
M(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$>(CQ$T
MBN/HU1+G;SMOEW*WP'K%8Y]O+"8+8/\`B9MH180AFGV"2Q)&ON/EL_'H.CAC
MBE?'\:R25/)=<CPU,)ER,C=0]`JJ"=M)*R:/:;O9+4X\Y*LQH<.>,-2'9F*S
M'2J)I)TQ-X=(.X>.=EO-O,QUR)+RH\>*RW&881R,RM?]'`XZ:/EF],L!]`!%
M#$5J*FN5H3''5',R==G5('/Y'COK,3TL5QMN;.7UOLE3JUH:8Y\4)F(Y208]
MZ7TK&]!EWP2<G&I+M"!4V!PNQ.X2"/BL[S;,B$\._#.L5N&//5[+!;TB)P/U
M[DWBUIE?9^VPW8+$C$CP?]?V.`!^>B0ZE0!>?9M`SY@='K]9;A'),;/-6SN=
M<RT;@S[/;.:AZU-E2G4<2EQ]E'/I\%N)5,1R,P@G]?54:N)JX6C2[9=Y)`<1
M"CX]B'"I_P#'B)=2V6FP([W2'2$1;P$-M,V-#_#CCXR(<&,VIA;BI;\FQR\3
M)N^CJ&@D>NA]?L@8:`,VXQ4'X0"!%/1DZ#:!MNNX6X6461%F[:&.D(3L3Y,/
M"B+0N2MC\M;G$O\`$<I+Z?Z=U^C8R*R>OWRSLD*S:,]O-0O4B$&DE`5NS6IT
MJI@YC@A<7^**BIT&EI1.ANIY]Z/.D-MNLJ^TZTCEYS(GI'H]%V">7G:)ILHE
MVWAQK=Z;$T:NCE&K("IMVH@0F&ED9!V?6ZRD!>)')H3CLJ/.=:^O76VY,YN6
M@-CTD<B^BDV7;S=Z):")#FQ.N:5I>3P`]!KI`'7.WZY!;!+:O<:4R.>T1#HZ
MM0VV([RHRA+ZE.1Y+CC,1V.CE.PW^O2HCJU4J@!TRXBJ\!O5>O9^#^$+YRWE
M:P+Q\<$?)I$?PD14P.C(6FH'Y#,N#!A%YC#43G4078:.4YU^@0'[*T,:23:7
M,J17,"G7*;5Y3#N5F?P(TL0*BR$+:!WEL8%@M,V)KY.-.MNN_B]^]Q#:.4N*
MJ^L</.JA=*_F=\-4>P6K+06;#[I`!UN63K4NO']3L4&\1!\F!_&%;+TAJDE2
M^S$/-.+B,J6E2NN?-)GZR(53TW&5DSG<]-\F]#TYFA/6"L#:V-'#KH>R@I=B
MV>6"3/ES"YT:0C3KR_)-+[*DOG9L5F0\ZVM<ODI+RF59]2134K"V5W%R0$PF
MVF+U7^R*D`<NK]E,';"9F<A7M7UFUP"68L'8!6'$C<43@-<96\A+CGR1R]?U
MF(OGI'2-`L5HN!>]:#VQW2Q6LA9OO&?Y"K$ZI;*H(I$NA*H9#C]1:",5RJ`T
M\>3%_,=EB&I#CBEN/<6CD1.E9_1'-K.J]KD'S<!=[)ER$EX<,KC,D2V7?]@Y
M+T`6^L6XI$)M[V(**XA?%)5V,W\N=^[(^XQ'(R%G?U_]N)ELU==TN)IV08N]
MH+0(%?%`@W]JO(2^5TF3KX:-.?&"8[H>]<9?3+:)S7N"H?$2V4_EIE(Y?263
MNOI-G6[VZR7HV<.@+98Z$C,G#P*,(25@TB36=.K1ZO0R$J&]*0/L*-*5+?1Q
M7.HF"XJT=3S[J7$!B/'M*%5^ML:7*VL:;NP\91#HJLS'(U2JZ$V8MH(R/L7\
ME:9IVY$;B9@B99#6Y$B2*=G$XY-2%MNJ:CR);$I+R_SETA/2D$(7<K`[<DS=
M$O5JR^ZF+3_1ZY#$PSV7ZR2U>#'`UB.KBA5<,3IZ8LJ%R<XM:D*EJ>7+===4
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4B/$1XB/$1XB/$1XB/$1XB/$3_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>22
<FILENAME>g655598gr12.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr12.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`.P``0`!!`(#`0``````
M```````#`0('"`8)!`4*"P$!``(#`0$!`0````````````(#`00%!@<("1``
M`0,$`0(!"`,)"`X&!PD```,$!0$"!@<($0DQ(4$2$Y766!EQ@1118<$B,I05
M.`JQT2-4=A<H2/"1X=(SM18VMG>7MW@Y0F(DU%4:H7)31"6%&$-S-$4F9B<W
M.A$!``(!`@,#!@@'#08""04```$"`Q$$,04&(1('09'2$U0646&!H=$B%%5Q
M,E*2HM,7L<%"<K(C,U.S-!4U"/!B@G-T-\*3X?'B0R2T17488X-$-CC_V@`,
M`P$``A$#$0`_`/OX````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M```````````````````````````````````````=;#WO`]M6.>.V#WEIKY!X
MQ=.&3M"Z-S6MR+IHM>@X1NK9BUUM;DEDZVUZ5K3K3R5-;[;M8[)R5U?+;^-?
MA;CO.._.,$7K.D_4S<?_`"WBU[QW;+I_6ZUY[,S?W5'VW:_UE?.C^VWPL^^,
M'YF;]4MKWD>V53QY=Z\I_P#+,W]U!]LVOY=68\:_"V>'.,'YF;]4M^<GVR/B
M\UW[,S?W4'VO;?EU9_;5X7?>^#\S-^J4^<IVQ_B]UW[,SCW4,_:]M^75G]M/
MA?\`>^#\S-^K/G*]L;XO==>S,W]U!]KVWY=6?VT>&'WO@_,S?JEOSE^V+3^M
M]KKV9G'NH9^U;?\`+KYV?VS^&/WO@_,S?JU/G,=L3XO]=>R\X]U#'VO;?EU\
MY^V;PQ^]L'YF;]6?.9[8?Q?ZZ]F9Q[J#[5MORZL_ME\,OO;#^9F_5J5[S7;"
MI_7`UU[,SCW4'VO;?EU/VR^&7WMA_,S?JUOSG.V#\8&NO9><^Z9G[5M_RZI?
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M3YV7:P^,O6WLO._=$E_@7-OZFWGK]+/[5/#_`.\L7YF7]6I\[+M7T_KEZU]E
MYW[HF?\``>;S_P"XMYZ_2S^U/H#[RQ?F9?U:E>]IVKJ>/,S6OLO//=$G'3W.
M9X8+>>OTL_M2Z!G_`.I8OS,OZM3YVO:MI_7-UK[+SSW1,^[G.O9[>>OTG[4>
M@OO'%^9E_5J?.W[5E/ZYNM?96>>Z!*.FN>3PV]O/7TF?VH=!?>.+\S+^K6_.
MX[5=/ZYVM/9>>>Z!GW8Y][-;SU])G]I_0?WCC_,R_JU/G==JFG]<_6GLK/?=
M`E'2O4$\-M?SU])G]IW0GWCC_,R_JU*][SM44\>:&M*?_*L]]T"4=)]0SPVM
M_/3TF8\3.A9X<PQ_F9?U:WYW_:FI_71UG[*SWW0,^Z/4?LM_/7TF?VE]#_>&
M/\S+Z"WYX':DI_72UG[*SWW0)^YW4WLF3ST])G]I/1'WAC_,R^@I\\+M1_&G
MK+V5GON@9]S.I_8\GGIZ24>(_1,\-_C_`#,OH'SP^U%\:FL?9F>>Z!+W*ZI]
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M]/2/>7D?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IW
MXV-7>S<[]T![@]8>P9O/3TCWEY'[33S6^@^>3VG?C8U=[-SOW0'N#UA[!F\]
M/2/>7D?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IWX
MV-7>S<[]T![@]8>P9O/3TCWEY'[33S6^@^>3VG?C8U=[-SOW0'N#UA[!F\]/
M2/>7D?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IWXV
M-7>S<[]T![@]8>P9O/3TCWEY'[33S6^@^>3VG?C8U=[-SOW0'N#UA[!F\]/2
M/>7D?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IWXV-
M7>S<[]T![@]8>P9O/3TCWEY'[33S6^@^>3VG?C8U=[-SOW0'N#UA[!F\]/2/
M>7D?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IWXV-7
M>S<[]T![@]8>P9O/3TCWEY'[33S6^@^>3VG?C8U=[-SOW0'N#UA[!F\]/2/>
M7D?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IWXV-7>
MS<[]T![@]8>P9O/3TCWEY'[33S6^@^>3VG?C8U=[-SOW0'N#UA[!F\]/2/>7
MD?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IWXV-7>S
M<[]T![@]8>P9O/3TCWEY'[33S6^@^>3VG?C8U=[-SOW0'N#UA[!F\]/2/>7D
M?M-/-;Z#YY/:=^-C5WLW._=`>X/6'L&;ST](]Y>1^TT\UOH/GD]IWXV-7>S<
M[]T![@]8>P9O/3TCWEY'[33S6^A[S&.]+VN<RR7',.QCF/K68R;+9^&Q?'(A
MM'YO:YE9_(9)M$0T8WN6Q1)&U=_)/$DK*WW6V4NOIUK2G6I7EZ&ZLP8K9\NQ
MRUQ4K-K3K7LB(UF?QO)$:I4ZBY+DO&.FXI-[3$1&ENV9[(\C\\O/_P#/K-?Y
M89/_`(\?'S'X?PS^Z_C[S3_,]Q_SK_RI</N\QF&G5XZGC]=/W"4<5U$-WA4E
M'%9'%&/X2:*[_I?69\JR/(AN\/K)PLCBC()HB4\%BR[S$82J@KXU^DL61P4(
M3Q91W>-3,<$XX*&60"VOC_:+J\(2C@CN\:E\<$HX++O'ZB^J4<%EWC]1M0G'
M!3S5^@NH>5%=X4^DVJ+(XK2YE'7PJ;5$XXHJ^)L8UD<$7GK])M53\BROC4NH
ME'!9=X_4743C@AKX&Y7\99'%%=YBZ%E4-WG^C\!L4\B<(R]8CO\`WOW2W&E5
M!=X_4;4+8X++O,75X)0@O\?[/O&S3A"ZO!%=X?67PG'%'=X_4;%4XX(+O/\`
M3^$OA;5%=YC9Q\$X07_AI^X7U6U0W>/U&Q"V.#QKO'ZC:A='!'Y_KJ7>3Y&W
M@36&9X.UM_)\B2OY-/I_?)5=2IYB=>+M[;\5;=^`LIQ=''Q6?W2Z.+K;?R?(
MI=X4^LMCBZ>-#4OKP='$M)+@```````````````````````````&P/$O]:WB
M]_Q'Z+_WIXH<[G'^4;O_`*7+_9V;>P_OV#_G4_E0S5G_`/GUFO\`+#)_\>/C
M\(?#^&?W7\V^:?YGN/\`G7_E2X?=Y.GUF8:=7BJ76]?RK?&GGI]PS$QJOI6?
M@E%6M*TKTK2OT5I]TE$QJLB)B>U89_A)(KO^E]9GRK(\B&[P^LG"R.*,@FB)
M3P6++O,1A*J"OC7Z2Q9'!0A/%E'=XU,QP3C@H99`+:^/]HNKPA*.".[QJ7QP
M2C@LN\?J+ZI1P67>/U&U"<<%/-7Z"ZAY45WA3Z3:HLCBM+F4=?"IM43CBBKX
MFQC61P1>>OTFU5/R+*^-2ZB4<%EWC]1=1.."&O@;E?QED<45WF+H650W>?Z/
MP&Q3R)PC+UB._P#>_=+<:54%WC]1M0MC@LN\Q=7@E""_Q_L^\;-.$+J\$5WA
M]9?"<<4=WC]1L53C@@N\_P!/X2^%M45WF-G'P3A!?^&G[A?5;5#=X_4;$+8X
M/&N\?J-J%T<$?G^NI=Y/D;>!-89G@[6W\GR)*_DT^G]\E5U*GF)UXNWMOQ5M
MWX"RG%T<?%9_=+HXNMM_)\BEWA3ZRV.+IXT-2^O!T<2TDN``````````````
M*UI2E:UK2E*4ZUK7R4I2GC6M?N`>S?0LU&3#;'9&'EF&0O4X=5E`O(UZVFWR
M61,FDECRC*)60L?N[)^.D&[AC5-.ZCM%=.]+T[;[:UA6]+TG+6U9QQKK,3&D
M=V9B=9X1I,3$_!,3JE-;5MW)B8OV=FG;V\.SX_)\+UBW_9[[DU_X!2U6Y"Y-
M;^"4M7MNK9<C=8IZ-UJMM]M:5MK3TJ5ITZ$X[8UCMA'AQ6W76V6W7WW4MLLM
MK===6O2EMMM.MUU:^:E*4`YVCK+8CB3S.'3PK(Z26N(AU/[!;*QRK>W"(5FF
MVO5DLJ<N/5,X)LM5Z@FWJX43J[7<(HH45553LNUYW>VBN.\Y*]W+;2G;^-,^
M2OEGA.NG"(F9TB)6QARS:U>[.M(UM\4?'\'[_D<5>Q4K&H1;F1C)&.;SD;9,
MPB[]BZ9)3$.JY<LTI>*4<I)6R,6L[9+)6.$:WHWJ(WVTNK6VZE+JWI:9BLQ,
MUG2=)UTGCI/P3I,=D]O:A-;1$3,3$3&L?''PQ\3P"2(!911.Z^ZRV^RM]E.M
MUE+K:WVTKTZ5NMI7K2GE\X%X``!L#Q+_`%K>+W_$?HO_`'IXH<[G'^4;O_I<
MO]G9M[#^_8/^=3^5#-6?_P"?6:_RPR?_`!X^/PA\/X9_=?S;YI_F>X_YU_Y4
MMJNV]B>+YWSUXGX=FN.PN6XED>XH"+R#&<CC&<S`S<:N@^JLPE8J0179/V:M
MUE*W)JV765K2G6A9AB)STB>$V_>E[GPDV.RYEXB<JV/,,6//L\F\QUO3)6+T
MM$VC6+5M$Q,3\$P^P'>^4]J/0F2<CL5R3A/I>7E.,V.:.D,UMB./^L_52>5\
MB9MS"ZQPF"5=PB%'#MUZ"#E^]O\`09,6[FW\=16Q1.SI7R;;':U9K&M8KY/R
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M',<W0=NON6[G;[CE^*U8RXJ^LC-C[TQ69FLTBLUBUJQWJVF.V9_@VT]?Q=X`
M;!Y/:8W_`,@6^P,$U?JOCO!R$_E<SFB&3R,ID3:$AE)[)D,+@,5AY=_,+XU'
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MOS:6OB*QBF'PV/\`V=ZX5C[G=]$7'3_")*V6YK29I&36.[-M/P3\;WVTZ&MN
M.F-GU1?>;;'LMWS6-C;O]^OJ;S2<DY,D]S3U=:=VUIK-M(GAK$Q'M\)X+/,K
MR3D`[E=]ZBQ/0_'/96)ZMS/DH[LRJ<UW+Y'L#*G&*8.KBL9`P[O(I*(E5VBK
MUX\4219QD<E>NLK6E4K59:3I.LQ%:S$3/DUG33LX^7Y'0Y;X>6WNZW]\F_VF
M/D'+]Q3#?=ZWMBM;)>U,<T[M)M:+=V;3/=B*TB9F=>[%M.,XQ6N%Y5D./(S<
M1EL5$9#D$'"YSC'Z07PW.64#*N8NW)\-DI%C'KRF.RU&]%VRM4K+ZHJ6UOMM
MNK6A7,Q,]G;\?DGXX>&YCL+<OWF7;1>N7%CRWI7)36:9(I::]^DS%9FMM-:S
M,1.DQK$3V.'W>-24<&G'!0RR`6U\?[1=7A"4<$=WC4OC@E'!9=X_47U2C@LN
M\?J-J$XX*>:OT%U#RHKO"GTFU19'%:7,HZ^%3:HG'%%7Q-C&LC@B\]?I-JJ?
MD65\:EU$HX++O'ZBZB<<$-?`W*_C+(XHKO,70LJAN\_T?@-BGD3A&7K$=_[W
M[I;C2J@N\?J-J%L<%EWF+J\$H07^/]GWC9IPA=7@BN\/K+X3CBCN\?J-BJ<<
M$%WG^G\)?"VJ*[S&SCX)P@O_``T_<+ZK:H;O'ZC8A;'!XUWC]1M0NC@C\_UU
M+O)\C;P)K#,\':V_D^1)7\FGT_ODJNI4\Q.O%V]M^*MN_`64XNCCXK/[I='%
MUMOY/D4N\*?66QQ=/&AJ7UX.CB6DEP`````````````#V<*TC'\Q%LIJ9_R<
MAW;]JWE<@_13N=K"QRJUMCR4MA&*J#R749(5NOM;)J)W+W4I9Z=G7TZ0O-ZT
MFV.O>O$3I&NFL^2-9[(U^'R)5BLVB+3I77MG373X]/+^!V\YEM7;.JN.L7LS
M6"6V6R&R]8LM?<?4'V/TR"8T3P_UVTMU=-\A<PRJ)AI*F$[&Y$9I#RC#'K&\
M@@QA(Y"5<-+U+U(QW;XW#M-GO.93M=WZF9Q99OFTG2,NYO\`SD8:UF8[U,-9
MK-]8F;6FD3II>'>R9\^#:1FP^L^O3NT[-9IBK]6<DS$?5MDF)BNDZ1'>F/)+
M@>488^X1:,::D4TOF,US0Y&:Q<9[LV=G<)?/XC0G'O-H.U#'M>X_'KPSQ[([
M'F,;F+)O*7MER+*`4E8QFYN4>L[DDK\6>O/N83O(STKR/;9>Y2(M$3FS5GMO
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M;I-IF9UO:UI^M;MF;SVSK+RN?[7N,MLV:MYOKV_5F(CLUB(C3ZL1'"/)$?`Q
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M7N8/(.`SFW$^/FIM?9#K30''Y7_)_!(;9$8U;;FR.4C&2\3)9OM*^V+C'$%D
M.3.7;Q^I"TMO_1US[[.JLO:V:VMM+DO+<FW[_,MYDKEYCN>V\TG^:K$SK%<?
M;.L5TB.]Y=-8B-9UOW^[KD[NTP4FFUQ=D1;\>?CM\$SVSIY-=.W2--(3O.:`
M`-@>)?ZUO%[_`(C]%_[T\4.=SC_*-W_TN7^SLV]A_?L'_.I_*AFK/_\`/K-?
MY89/_CQ\?A#X?PS^Z_FWS3_,]Q_SK_RI;=]L>5BX/N#\0IB;DH^&B([=./.I
M"5E7K:.C6#9-O(>FX>/GBJ+5JC;6M*5NOOMIUK2GG+,/9GI,\.]^]+WW@]GP
M[;Q)Y1GW%Z8\-=YCF;6F*UB.]';,SI$1^%]*O+_CA-[SVKSZR/#-HZ"1AN1V
M?]O6,UX\E]U:_9__``#0+V$F]IYQ-(VSBBS&`@DUED$$+:*23YRT5M1;5MJE
M<IN9L-LE[VK-=+3C\OY-M9GZ'ZYZOZ=R\]YOU'N=GN^71M^:9^55P6MNL$?5
MVU:>ORVCOZUI2=8T[<EIK/=I/9WM`NZE@UN!<6^44W(YQK.;7Y`=UUWNS!L?
MP[/\8RZ?0UK35&?XU%Y#/,8*1>UCK9IPV]>DG2M]R#=9'U]4E5/56PRT[E;V
MF8^OEB8_!I$?O/F_C!LZ['I#F>7)GVM[[_JZ^XQ4QYL>2_J?4[FM;VBEI[L7
MUB8CC$3'>TF=(QMP0V,XXX8[PXB-XPJ%O&#E1#\C>.._F<G,0U8]ABFZ\LQR
M[764Y&Q3D%WF.(I/;;G3=X\00K^AU7RB5W3K4ABM;':D7C^9MWXGAY9CN_'_
M`.MH^'W,Z=-;'DN'GU*^['-\6YV6ZB;QI&+<S7U=[UU_F]+:6B]XB?5QDFFN
MLRRUQTB8-KKCN>:1T_,,\BTOJWAYF_&+0N424YC<$OOG:B&29ADNS,JQQB^F
MT;9W(,[RQS?5M1I5:GZ':Q3>E]:T1MNEBB8C+2FLXJTTKP[;:V[WRS/[SN]-
MX=G7EG4_(^3Y,=^4;;D^;8[;):U:?:<W?M?)>E9MI><EYM-.YWI]5&&GDK$Y
MKT)I_)H#3JVM\WS/#-BXYL'L_;-@,`:6;-TY@FIDL[<I.,C8:WB-%VRELQE>
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MDEK[D6LXSW!,>=:\P:>WE$7X=A.4IS.11SZ9@Y[`656\9'H4>V.VBB""-EUJ
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MRMQAV4KX\XF&T?$R:BN+Y+"Y;$5:S4>A),:)S4`[?1JKFC5Q;ZY*U2JC=3JF
MI2V^VZVE>DQ]6>+\R<SY9N.4[J=GN9QSEBM9UI>F2NEHBT?6I-JZZ3&L:ZQ/
M9.DQ,.!!SP"VOC_:+J\(2C@CN\:E\<$HX++O'ZB^J4<%EWC]1M0G'!3S5^@N
MH>5%=X4^DVJ+(XK2YE'7PJ;5$XXHJ^)L8UD<$7GK])M53\BROC4NHE'!9=X_
M4743C@AKX&Y7\99'%%=YBZ%E4-WG^C\!L4\B<(R]8CO_`'OW2W&E5!=X_4;4
M+8X++O,75X)0@O\`'^S[QLTX0NKP17>'UE\)QQ1W>/U&Q5..""[S_3^$OA;5
M%=YC9Q\$X07_`(:?N%]5M4-WC]1L0MC@\:[Q^HVH71P1^?ZZEWD^1MX$UAF>
M#M;?R?(DK^33Z?WR574J>8G7B[>V_%6W?@+*<71Q\5G]TNCBZVW\GR*7>%/K
M+8XNGC0U+Z\'1Q+22X````````````#W&/8]/Y=D$%B>*0DKDN4Y1,1N/8WC
MD&R6DIJ>GIAVC'Q4/$Q[>V]=[(R+U>Q)).RE:W7W4^DKRY<>'';-FM%<5*S:
MUIG2(B(UF9GR1$<4J4MDO&.D3-[3I$1QF9X1#M"XM<5-:Y/R/PSCBB\Q+:NR
MV-9G+^2VW99=&=XT<4M4ZZ9WY#N&6AFC==**WCF.!X\R7;+3,FO7"K9U5!DS
M9R]E;7]?*<VYONL7*[\SF+X=K.E<&..S/N,EYTQQ/EQ5O,Q,5K'K>YK:UJ?B
MNULMCAONZ[2)K?-VSDM/;CQ5KVWF/)>:QY9^IWNR(MQ9VS'O1R3S9;&?Q+54
MW9KG7^]\\S#5NOXW9\GK[`7>E5,.Q35NIM?Y#A&+X[:DP7P[6.(*QM+&3E&-
ML;93.7ILTY!U8^1Y^#H:M=K./-FK]JR;>E<EYQQ>\9>];)DO6]K=O>R6[W;$
MVUQX_K36.[.SDZAF<T7QTGU-,MIK7O36O<TBM:S$1Y*QIV=GUK=FLZKF7?,V
MHK*XS.Y1J)/)<A2P7'=?;"R=7;64L\BS*$F]HN]H<C*P;]"$]9@UN]W#J^+2
M;-KEV^-1CE9)M1:B4;^C<6Z`V<4MCQ9IIC]9:]*^KK-:S&/U>'6-?K>J_&UG
M2;VB)G36W>S'4N?O5O?'WK]V*VGO3K,3;O9-.SZO?X=GXL:Z:]FF%X/N:XQB
MVSYGD7CN@\H2Y%JYOF&UH>?FMY*S&LYC=N5IS31GO';6&MM<0^4;*RO#6$\O
M;#8]6=887'WUZH1B22BZ*V_DZ5S9MI7EF7<4_P`,]77',1BTO&*NFN+';OS6
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MK$=G;KY.[73V45SMRG+L,S)UK+`=,<<XK(K]16ZO7G.86/X>TU2STC'W1D?K
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M=_7F9UF\3%HM%OQ;?5X1:-)KKIV:0T8.^Y@``V!XE_K6\7O^(_1?^]/%#G<X
M_P`HW?\`TN7^SLV]A_?L'_.I_*AFK/\`_/K-?Y89/_CQ\?A#X?PS^Z_FWS3_
M`#/<?\Z_\J7#E+:74]&ZE+K:TK2MMU*5I6GD\E:5\E:&8B)C2>#4I,Q.L=DO
M!4;-NO\`^'0\:?\`V2?W/_5,12FO"/,VJ9LWY=O/*RB*2?6J:2=E>G3K99;;
M7IUIY.M*4KT)UK6)UB(B4IR9+]E[3,?',RLHDE2ZZZB=E+KJ5I==2RVE;J5\
M:75I3K6E3/=KWM=(U2F]YB(F9TCAVH5$4;ZUK>DG=6E.E*W66W5I2GA2G6E>
ME*":4F>V(GY%M,F2O96UH^64-R273_!V>6OE_$M^_P#>^^3BM?@A9&2^OXT^
M=%ZA"OI=44OQO+=_!V?C5Z]>MWD\OE(=RGP1YEGK<O9]:W9P[91^J2\G\'9Y
M*4I3\2WR4I2M*4IY/)TI7R$YK73A"7K+_#/G17-T/)_`(^'3_!V>'D\GY/@0
MBE/@CS+*Y<OY5O/*'U"-+J5HBE2MM?Q:T3LI6WI7K3T:].M.E2R*4C28B/,L
M];EF-)M;2?CE6B:=*UK2RRE:]:5Z6TIUI6O6M/#PK7R_21FM8GLB&)O>>,RM
MZ4M\EM*4I]RE*4IY?+7R4^[4E6(B-(2UF>V>V0R`%M?'^T75X0E'!'=XU+XX
M)1P67>/U%]4HX++O'ZC:A.."GFK]!=0\J*[PI])M461Q6ES*.OA4VJ)QQ15\
M38QK(X(O/7Z3:JGY%E?&I=1*."R[Q^HNHG'!#7P-ROXRR.**[S%T+*H;O/\`
M1^`V*>1.$9>L1W_O?NEN-*J"[Q^HVH6QP67>8NKP2A!?X_V?>-FG"%U>"*[P
M^LOA..*.[Q^HV*IQP07>?Z?PE\+:HKO,;./@G""_\-/W"^JVJ&[Q^HV(6QP>
M-=X_4;4+HX(_/]=2[R?(V\":PS/!VMOY/D25_)I]/[Y*KJ5/,3KQ=O;?BK;O
MP%E.+HX^*S^Z71Q=;;^3Y%+O"GUEL<73QH:E]>#HXEI)<````````````!N1
MQ2:Y.WQ[>^0ZG;,Y'?M<4QO7>M;+LBQW&YG#\6VB\GH;<.T,:>9++PC1&9A<
M/C4\=^W)+VJ0[;*UGOI)>JM72XG-YQ3EV^+>3,<N[]KW^K:T6MCTG'CM%8GL
MFT]_28^M..*]NND]#8Q>*9;X.W==V*U[8B8BVL7M&LQVQ'U=?)%IGXV:LKVC
MK+B!Q8SGBOHS,L?V5R"Y)(0S'E]N_`W*4EKW!]5X^\3E87BEIO+DDK+,T0D9
MM*QYF^0Q]:0\@HE9&LU'C9/U]-##M-USKF^/F_,*6Q<MVNL[;%?LO?),:3N,
MM?X.D=F*D_6C\:T5F=&S?-AV&QMLMM:+[K-IZV]?Q:UCMC%2?+V]M[1V3PC6
M.UUFGJG&`````Z4\M>GCX_?^D`!LW!<M-JPVL6>JWS3!LNBX##,TUQ@>59?C
M*LEL+7&N]AM))KEVOL4RQC*Q2[[`'RDNY>-8.<2F8F(DE:O(YNT<_P`(<K)R
M;9Y-W.[K.2E[7K>]:VTI>])CNWM68G2\:1$WIW;6K'=M,QV-VN^SUP^HGNVK
M%9K69CZU:VXUB=8^KVS,5G6(GMB(EK)3R4Z?<.JT@`!L#Q+_`%K>+W_$?HO_
M`'IXH<[G'^4;O_I<O]G9M[#^_8/^=3^5#M^S+M)]R&1R[*I!EQ'V2X9OLFGW
MK1>QYA?HK-74L[7;K6TNRJEWHJHJ4NIUI2O2I^%9P;C6?YNW&?@^'\+\8[[P
M0\4\V^S9L?)]SW+Y;3';3A,S/Y3C-W:&[E=>G]$+9?Y[A7O6(P;C^KM^C]+6
MCP,\5?N?<>>GI(+^T)W+*U\G$'9GF_\`?<)^Y_*LS&'<?U=OT?I6U\#O%2./
M)]QYZ>DCKV@^Y=T_5`V9^>X3[V$HP[C^KM^C]*<>!_BGK_E&X\]/26?*"[E_
MP@;,_/<)][!ZK/K_`$=OF^E+]B'BE]T;CST])'=V@>Y?Y?Z'^S?/_P"^X3[V
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MG_GN#^]HC%G_`"+?-]*4>"WB;I_E6?SU](^3SW-O@ZV?^>X/[VF?59OR+?-]
M)^Q;Q-^ZL_GKZ1\GGN;?!UL_\]P?WM'JLWY%OF^D_8MXF_=6?SU]);7L\=S?
MK^IUL_\`/L'][BVM,L1'U+?-]*4>"_B9I_E6?SU])'7L[]S?K^ISL_\`/<']
M[BV*Y-/Q9^;Z4H\%_$S3_*L_GKZ2VO9V[G%:_J<[/_/<'][BZLVC^#/S?2E'
M@QXEZ?Y5G\]?26U[.O<YK7]3G9_Y]@WO<7Q?XI^;Z68\&?$O[JS^>OI*?)U[
MG/2O]#C9_A_'L&][BZF6(XQ/S?2S^QGQ+U_RK/YZ^DCKV=.YU6GZG&S_`!_C
MV#>]QL4STCCK\WTIQX->)7W5G\]?24^3GW.O@XV?^?8-[W%OVC'_`+:?2S^Q
MKQ*^ZL_GKZ2.O9R[G?3]3?:'Y[@_O<7UW>".,I1X-^).O^5Y_/7TD=>SCW/.
MOZF^T/S[!O>XOIOMO'&R<>#GB1]UY_/7Z4?R<.Y[UK_0VVAX_P`>P;WN-BO,
M-K^4G^QWQ(^Z\_GK]*VO9O[GW7]3;:'Y]@WO<6UYCM(XWA*/!WQ'T_RO/YZ_
M2LKV;NY]U_4UVCX?Q[!O>XMKS/91QO"4>#WB/I_E>?SU^E'7LV=T#I^IIM'\
M^P;WO-FO-MA$_P!)"<>#_B-]V9_/7Z45W9K[H/D_H9[1K]#[!?>\MCG'+OZR
M$Z^$'B+]V9OT?I17=FKNA5Z_T,MI>'\>P3[G\KR^O.>6QIKEJG'A#XB?=F;]
M'Z5GR:>Z'\&6TOS[!?>\N_QOE?\`6U3_`&0^(GW;F\]?I67=FCNB5\.&.TOS
M[!/N_P`L"=.>\JCCFJE7PB\0XX\MS?H_2BN[,W=%Z_J8;3\/X]@GO@;,<_Y1
M_7561X2>(7W;F_1^E97LR]T:O3^AAM/\^P3WP+(ZAY/'_OZ_.E'A)X@_=N;]
M'Z4-_9C[H]:^3A?M/\^P3[W_`.\"^G4G)8XYZ_/]"ROA-X@1'^79OT?I65[,
M7=(K3]2_:?Y]@GO@71U+R3VBGS_0E'A-X@?=V;YOI1U[,/=)Z_J7;4\/X]@G
MO@7UZGY%K_>*?/\`0G'A/U_I_EV;YOI17=E_NE5Z].%NU/S[`_N_RP+HZIY!
M[33Y_H3CPIZ^C_Z=E^;Z4=>R]W3/)_0MVI^?8'[XE].J^GHX[FGS_0G'A5U[
M]W9?F^E#?V7.Z;7PX6;4\?X]@?W/Y8EM>K>G?:J?/]"VOA7UY'_T_+\WTHJ]
MEKNG5K^I7M7\^P/WQ+XZOZ<]JQ_/]"<>%G7?W?E^;Z4%W98[J'7]2K:OA_'L
M#]\2^.LNFO:\?Z7T+8\+NNON_+\WTH_DL=U&E?U*-K5\M?!_@/X<RH71UGTQ
MI_?,7Z7T-G%X8]<5X[#+\WTK[>RWW4:?U)]L?G^O_P`.:4)>^72^G]\Q>:WH
MNEB\.NM*::[#-YZ^DNKV7>ZCT_4EVSX_Q_7WOJ9KUETO[;B\U_1;M>@>L8__
M`(&;ST](^2[W4>GZDNV?:&O??8G7K/I;7^^XO-?T75P=$=65C2VQS1\M/24N
M[+G=1KX<)=L^T->^^Q97K3I6)[=]A\U_1;U.C>J8GMV67ST])9\EONI?!)MG
MVAKWWV+8ZVZ4U_OV'S7]%T</274E=.]L\OD\M?24KV6^ZE6E/Z$FV?/_`/F&
MO??8LCK?I/V[#YK^BZ%.E^H(X[7)YZ^DBKV6>ZI\$>V?:&O/?8MKUSTC$?W_
M``^:_HM['TYSV..VR?H^DI\EGNJ?!'MGVAKSWV,^_/2/M^'S7]%9[O<[]FR?
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MS/%^EV?EM]A`````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````#HLYG]^KCCPIY*9QQ?SK5.V9_-
M,%98B]?Y%%WXDQPQ[9F6)P^71]C.1>SE\FG<V932:2U5V:5M%K+O1K=;TNKJ
M9=[BQ7G',3WXT^=\<ZQ\9.5]'\ZR\CS;+=;C<XHKK:EL45^M2MXT[UHMPM'D
MXZ_%KB**_:&,"RAM:\Q#C5D4NS5MI5%XKM?&K4*UK^312L3C<U;;7[M/2ZT.
M3N>H*;?L]5,S\<Z?O2\K'^H7:Y.S#RG/K_O9JQ^YCL]HCWS,A>N$+F_&V':,
MO6V5<6.]HNU754/2_A+45$\'01L6K9X776UMI7QH<3-UG?'/U=O$Q_'_`/9(
M\>-Q>T37EE*TU[=<\ZZ?%_-1&K;/7G>/XM9$F@GL=+)=0O5*THNXFK8[(\>0
MK7QN_2T`Y5D_5TK_`-)2/2IT-O:=:\MW%HIFQYL=Y_W9O'GKK/Z+U6Q\;NCL
MD1_B][;&WEF\TM2/^*LZ^>D,O[Z[FG%_3/%38?+S&<K;[\UMK.;Q''LF8Z8F
M,<G\@9R^99%!X[',7;23F(EO%NT%)]%RJB[406^S4K=;9=7I2OIJ;[;9<'VG
M%;O8H^")B?-.DQ\KTN_\2>EL/3.?JGE6XQ<QY?M[TI;[/DI>8M>U:Q6=;1%9
M^M$S%M)T\CJP@/VF'CIFBE$,,T/L)^[O_P`&PG\VPK')&M?-;5C3]*N+J]?_
M`&=%*??J:N;FN/%'>BEK0^7S_J*Y9,Z8N5;O_BRXHC]'ON=7=^160\D-Q>6;
M]:?BW3&UTZ]*^;TTV6!>3R_<N.'GZLC%^)@U_#;_`-EG]OMLD:X>53$?[V?Z
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M?9>OY-TQM>E_3KX>G8RP&VGD^]<</<=6^JCZF#7_`(__`&4I\?+WC^9Y5I_&
MS_1B97UOWL,'D+TT=M:>F<42N4N].7PW*(K)FR25;OQ*K1DXCBSNRJ=OY54U
M5JU\UOF-;#US@BW=W>"\1\-)BWS3W9^>74Y;XY\NOI'.=I;#'Y6/)6\1^&M_
M5SYIEOYJ'N#</-WST+A^"[TPM3.LA7^QP^!SLA;CN7R3[U2B]6$;$2WV:^6>
MT21ON]6TN<5K;;6M.M*'I]CSKE_,=(V]K1>?):MJS^E$1/R3+WG)/$WH/J#=
M4V'+.9[6W,LDZ5PVO6N69^"*3.MI^*NK<PZKW@``````````````````````
M````````````````````````````````````````````?G;=_P`PYT_[GG(B
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M\?59%K!3PI]ZT^F5R1BY;GO/DO7_`,+Z7X=;W[#_`*=>HMU>=(KS/9_/DQ1^
M^^=_(<9JQ]*M;/1NLZUMK2G2MMU/"MM:=*VW4KYS5PYHR1K#Q7)N>?:9B:VX
MM]M'.%',#!?;7SMPI2+C;;JN';A6[\5JE3RU44NK4\[S_O5CZD=CR?+L]L_/
MM].:]YTW5XB)M.D1WITTC72(;62#6*K%]?X.Y2MGE]+I7S>3QZU/#8;[CU_;
MKIJ]YGQ[:=KVZ:Z.)<:4&EG-SB;ZFQ.E?_J4TA=7T;;?&FR\<]&M>E/$^G<A
MM>8Q][\N'C>D:XZ>+'(XQ::3S79ZZ?\`4XW!^\#B=Z_<DYE2%4ZUM<;><J4K
MT\?_`-.8];X^?\DWMSN(C?YL?EB__AJ^J>+7/ZXO%'FVSU[:;J8_<:$Z03<1
MF7R3=-TY;-EF"55447*R"-]]KU*E+[TT[[++KZ4KTZUIUZ5(;GZV"9B-;1$Z
M/FG67,,N7ENSBM[5K;=1KI,QK'=GLF8\CM"PY)@JTLJY4K=^)3RWWUNKX?\`
M6NJ?+^97SQEGN_"[O**X;88[\Z]GEG5P#9C6-^RN?0L2\EEU:?BV]:5I2M:=
M*]*UZ]3K\BOF];777B\UU=BVOV3).D=D3/R^1NED4/\`I?\`9^9)FE9UZ=Q]
M!>M*4_\`9ZW;4K7I][TCZ'ERQAY5WI_KXCYWV'I[F'^'?Z9IW-YTUZDFOGVE
M?H?.UD./7QU;K[*7)*I=;DU;*UL43OMIUI=9?;TOLNI7PK2O6A1BRQDCXGAN
M2\Z^TS&DZQ,NR'4B]7,?'WO'CIPI<V:>G<NY65NK7U"76M:J*75ZU_\`2>5Y
M_P!^LZ4C2-'B>F\ML^YSVSY+VM]HOQM,]G>G2-->&C8:;:Q-8WK;1.ZZJ=>O
M6EM?+T^_U\AX[;7W'K^W735[S>8MM.VU[)G1R[MPHM4^Y;Q&]3;93_\`EMI=
M6EM*4_&_0$_3KTI2GEZ4/J?(YO:</?\`R_\`PRT/!RM*>-O**XNRD[JNNG#7
M27Z'1[A_60``````````````````````````````````````````````````
M````````````````/A4[R4R[O[D7)B"B'>-.9*^*T117#LE19W-<K:7ZBQ5=
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MG+=KBFTUTONL<S-HG2<?U>]]:)UBT?P>[I:8FU.]L[A^`3V@>U+W2M6YLXB'
MV2ZWY4:'QV?6AE7;B)OD;GFJ7-]C6^091KZE4*/K;%+5FZ*J:UEUMUM*VF]O
M,%K<KW."/QXRU_\`!+Z'?I#?]/\`@#U7TSNK4G?8>;;*MIQS,UUKFPS.DVK6
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M7)DB)Q5BO?G)?^#IW>%8M-IGZNG>[%^"\-MBZ`Y0<3<YS/8NGYS[/R[X_P"+
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MV]9>7:H5KZ-:447M\O2E:TZ.39YL7U-._68UB8[8F'`ZZ\,>IMML\.QV.*V^
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M<<X(UG'%+7OFM>LUM$_5K6LS,3W*VO;NS,1IO)`ON$LK1PUCM'<W]@7Q.1P+
M%VHDZQF)9O<7G6;*R$E)2U"V&OQV;RN7D*)I(T759,D+;%?7KT5H:>+DG*Z7
MF8QYK6B8\ODGA\&DSYH>_P!KON@-W_-8N4]3;F*YZ5F=<5:SBM%>[>VG=G'?
M)>W9&LTK6(F+7UT9>XDO,`3YA\(V.&<)]KZ)M2Y14J[VULE?+U%I>DKA$VZQ
MG&[W61,O5N7\KBS#[8HT3629V+56<-4JVWT]7W=KCQTRXJXL5J5K?C.OY,_[
M?!KVO7^'&UY3BZVY';8=/;OEE_\`%=9W.><MK7[U=<=)MDK^-;%7OS6MHK$]
MZU*]VW9]O1Z)_0\`````````````````````````````````````````````
M````````````````````</S"[-+(U:_#E(6Q]1*[T*RS-T[I;?T\EU$D'K.B
MEM/N=>IF-/*Q.OD?%CW?NVARBW#NO.>4D1,1>39EDK.`3F\7:Q]<>8K-\0QV
M-QN'NQMS:NYL:O*1$0CZ=CE3T55J5O\`6V=?1.?O.61GO]HP3_.=G9/Q?!/D
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M;NY(CO1WZQWH[-8G2+1/;'0+R]X+\G.&LVM)9A`NYK#&3STXK:>(-WCB$0NL
M4K]GNFT:V7/\4?=:4\CFGV>ZZO1-=0T\NRS[.W?GMI$]EH\GX?@GYOC?->>>
M%74G06[KOL43EV>.\33<8==*S'";1^-CM_&[->RMK<6LV';`>8\G&O8N:=0\
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M=TB(F9G7AJ[%NZUVGN0V>;?VKR<UQ+MLUR78<XYRG+\`<H-X551^FR:L;U,*
M?UOHP434;1]E:,GMZ=];^OHN+ZUI8;N[Y5-\EMQMYUM:=9K/R1V3^]/G?H;Q
M,\#\_/.;;CJCI_)&3>YK3?)@OI$S/_Z5^R)U_)OI,>2T]D/G&P[.]O:$S3,X
M)&5S?5>3N<?DL)R^&OODL9F+H23>,G,K`RC->B#BQB_7CT%+Z=*44]59=2M:
M=*G-B+8]:=M9CC'#YGYOYWL^?<CPVY?6=QMMS]?'>GUJ3W;1'>K,=DQ%IBLS
M'ETAEF4Y*[?S96RS(MO[+RUQ<G1O8E*Y[E,TK<GZIJWHA8BXE7%:V508HV>C
M2G3T4;*=.EM.D9MZSC:9G\,_O/GV_KU-O+?_`!FZWF77L_G,F2WDB-([TSY(
MB-/BCX(>X@=.\C=HW)TP?1&\M@J+]+45,:U7L#)[5/3OK=3T7$?`O$ZVW7JU
MKU]+IUNK7SBN*;=D5M/_``S^_"_EO0/4F]M&3:[+=YOCICO?C/\`NQ,\7T5\
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MS;78WK;4T-(L;+&,JRFV:,:QC\6F5(^J<U&-7/\`V>MEUR[5&ZM:U3MZ2]?G
MF-(F9CXJ_P#K;N+JWQ*YA6VTV&6\8+:1ZO%AQ=V.[:+Q%:^KGNZ7K6WU=)[U
M:SQB'85V[ENZ/MKEWQ&;;KU3R6FM$X7R*0VWD.8[`T]DD+$P$A_DEE\2G)O<
MRF\<BKV<`TKD;JY)FDK:THY?J*>KN4NMK;?A^TVRX^]%YQQ;69F-/)/'AV?(
M^M>&NP\2N8=2\N]X<&^ORG;[Z-Q-\N&\16_=M76,EJ1I6(O>>[%N[K>TZ:S#
M[LCM/VX`````````````````````````````````````````````````````
M```````#IEVWWY.`.E-I;$T]G$UMI',]7YGD.!Y4E%ZNE)&-3G\8DG$3*6,)
M!-Y8F^:6NVUWJU;:4M4MZ5IY*FK;=X:VFD][6)TX2^,\W\>?#_DG--QRC?9-
MS&\VV:^*\1BUCOX[32VDS:-8UK.DZ=L=O!CS_P`QEVV/_'MT?[(9?_OYC[;A
M_P![\V?H<[_\C?#7^MW?_E1Z9_YC+ML?^/;H_P!D,O\`]_'VW#_O?FS]!_\`
MD;X:_P!;N_\`RH],_P#,9=MC_P`>W1_LAE_^_C[;A_WOS9^@_P#R-\-?ZW=_
M^5'INWCCWO?`>3>F<"WQJY:6<8!LB)7FL96G8M6$EE&3>2?1*E7L6O>HJS5^
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MZ2%RV;NTKD'*5BR5].EUE].M/J\]*_0!C'(M':DRY%PWRK`,<R-L[25;NVDV
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M6E?QK%$[K:^>AGO3,:3PE7EPX<V.V'-6M\-XTM6T1-9B?),3V3'X7`\(X1\-
MM:V(V8!Q2XZ8A<WZ517@=,Z\CWEE:>%:/D<>M>5K3S5JI7H51BQ5X5K'R0XF
MVZ4Z8V<Z[7EVQQV^&,&.)\_=U^=LC&Q47#MK&41&L(IG92E+&D:S;L6UE*4Z
M4I8@U322MI2GW*%G#@[F/%CQ5[F*M:U^"(B(^9YX3```````````````````
M```````````````````````````````````````````_+^[CO_,!YJ?\3NYO
M].)<X^3^EO\`QI?RQ\3O^X7.O_N>Y_M\CB^`<.MU;`XT;LY<M82D)HO2-,>8
M2.73=CELEF>5Y'E^/XBCB>#)T2K^FGT.KD%CJ3<4K1JQ2LHG??5=2Q*L8K:U
M9O'XE?+\,_!'[_F_!J\NZ'YYS#I;>]8=SU?(]EW(F]M8]9?)DICBF/L^M,=^
M+6GA6.,ZS6+4P+AWNG/>,VZ>73:#I":+TLICD6_RV;L<-DLSRS),OQ[$4<4P
M=.B5?TT\AE,@L=23BE:-625E$[KZKJ6)F8K:U9O$?4KY?AGX(_?_`-M&PZ(Y
MWONEM[UCW/5\CV?<K-[:QZR^3)3'%,?9]::]_O6GA6.,ZS6)EU_PWW3G_&3=
MG+U"%I!:+TI_D_'/<LFTW#=/-LLR+,,=Q%/%,'2HG_\`&'4-?D%KJ3<]:-62
M:=$KK[EU+4S$5M-9O'XE?+\,_!'[\_)^"7+NAN>;_I7>]8]SU?(]GW([]M8]
M9>^2F.*8_P`J:]_O6GA6.,ZS6)^^KLR?\L+A_P#ZNI/_`$XRPZ>U_N]/XL/Z
M$^#?_;/E/_)O_;9&9>2O<&XP\1)6L9R`R+8&#MJ-XQ>F4)Z2W-DF!77R_KZ,
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MQWO5Q%,F2;133O3ICI>8B.]';.FO;IKI.G'>.7<;XJ\LY]E`:!R78F>T>KR;
M6W)4-%;NA\!:/(B-6E7K&4V)/:_C,'B7UK5"M+$7+])556ZQ*RVY2^RV[%,V
M/).E)U^2?W6KTWXD])]7;BNWZ?R;G/WIF._]EW5<436LVF+9KX:XJSI'9$WB
M9F8B-9F(;SEKW@`````'I\AGHK%8"<RB=<WLX3&X>3GIEVFT>/U&L5#LEY"0
M<IL8YN[D'EZ#1O?=1)!)592M/1LLNNK2E4SI&L\%.YW&':;?)NMQ/=P8J6O:
M=)G2M8F9G2(F9TB)[(B9GA$3+KGT=W<^#_)'D#`<:M*[!RG--C9&ADZ\>I36
MV;XYCME<0A)&?FT'DIEL-`KM7"$?%+>C;<A^,K;2SR75Z%%=SBODC'69FTQ\
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M(XQGF$3D?DV'9G`1.48MD44M]HC9S'YUBA)1$JQ6Z6U4;/F+FQ2RM:4KTN\M
M*5ZT-F)B8UC@^J;+>[3F6SQ<PV.2N799\=<F.]9UK:EXBU;1/P3$Q+DIEM``
M````````````````````````````````````````````````````````````
M?E^]Q_\`7_YJ_P#$YN?_`$WESCY/Z6_\:7\LO$W_`+A\Y_\`NFY_M[OJPY<Q
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MF&IW\@ZJBW333JY?OW*JZZG3TUEE+U+ZUONNK5E[-GV?!!U?2F/_`$T;>,<1
M6)Y;R^>R-.VV7;S:>SRS,S,SQF9F9[9=BO9D_P"6%P__`-74G_IQEA;M?[O3
M^+#Z9X-_]L^4_P#)O_;9'F]XQLU==L?F1:[;(NDT-3K/TTE[**66NXW(8&18
M.+:5_)6:/FJ:J=U/+:I92M/+0CO)TVN2?@I*[Q<Q4S^''-<>2(FLX*\?AC)2
M8G\,3$3'QP^1#&'61=E[NFX)/7N)=;3<HQQ6:7=KVK77Y;QKW1&L5)BJMM/0
MI)R>`2MBU>G@K*X];=^3?3KI:SM\^L_BQ\]9^B?FCXWXXV?VCP3\5=OFB;SR
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M3,3V-,IKOX\#8K=L#I&UYM1-[(91;C62YYE&!*ZUP+`++4U5G4UESC9DCB64
MLHMDBEZ=]UD5?=<G=;6REWI6TK5]LQ=_N_6XZ3.FD1Y].QXO/X^]!8>=X^2=
M[<^LODBM\M\<8<>+7^%D]=:F2(CC/\WKIY/(Q_*_M&G;]BM@,\34CM]K8>]=
M_9T-NTUA8TP9PT^T?9ZS["/D<@9Y[(X[9^7<NC#7+^C^2C=Y*5C]NPZ_PN[\
M.D^?\'QM#/\`ZC.@,',J[&:[Z=I:=(W$8J^JXZ:Q6<D99C_]OO>2*S+L*Y/=
MP_C=Q)P'7&UMJ/\`.WVK=J-&[S$=CZ^U]DF>X2LE(L&,K!6R>1P#5Q&Q"V3Q
MCZCB,L7OLN?)(JW)4N]5?TOR9L>*(M?7NS\$3/[CZ%U-XB=-])[#;<VYI;/;
ME6ZKWL>;%BMDQ3$Q%JZWK]6LWK/>I$SK:(M,=E9<@Q'F_I_8?&#'^6^MH#;^
MR-59.O()1#+`=39?E>PEDHG(Y?%I1]=KZ'9.<CMCXZ3A'%5E:)5MM0MHI^3=
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MC+7-..]J1-IG6E8FU9XVKW=,I_M`O/3&,"X^;#X<X7*9Q#[@SN_7=N6NFV(Y
M"SQ1;5$^Y>RL[%-<_L;V05SZ;1ADV3IC8MZU5FX62NMK;==0GN\T:3@KKWYT
M\DZ:3/;V\->R>S75TO\`4)UYMN6],[CI/9WS4YMN+8XO,4F*^IM$WM$7X?6T
MK6T<)K-JSY8<4[9<AP*YW]OW47!#<V!S>2R&B=;R&U\W4G\7S'7V+8X_8YY+
M7/\`*,5VXQ4A&E9"ZW+JT=WLW]OKFBSBBM+DK5*4QM_4YL,8+Q.M(C7LF(^2
M>$_(U?#2_077GA]L^B.<X+9;;/!?<9.]6^*E)KFMWKUS5FNDZ98[WUH[U9MK
MK$6TW,A^[#Q8U9K!\EQNXW<I-N\5N.T<WP&4W)HS4;>3TCA<!A+!I'*-8/(<
MMR_'9C*HK%XQ).YV]:MG#=-"E%U'%UE]%+K8W..*3..+3BKV:Q'9V?!\/R:O
M9X_%?I?E'+)ITYRSFN[Z6Y?2,4[C;8(MML5,<172+Y,E+6BE8B;6TF(KI>;=
MV8M/8]Q=Y6Z,YCZKC]PZ`S1#,,0=/%HF034;.(N>QG(&B2"[[',I@GUB;^%F
MF:3I.^J:EM;%45+%D;U$5+%+K\>2F6O?IP?1^E^J^1=8\KKS?D&:,VTFW=GL
MTM2\1$S2]9[:VB)B?@F)BU9FLQ,[%DWH@```````````````````````````
M`````````````````````````````````?E^]Q_]?_FM_P`3FY_]-Y<X^7^E
MO_&E_++Q-_[A\Y_^Z;G^WN^KKF3?9;^S<X72^^RRM_&3A[992^^VVM]]<EU!
M6EEE+JTK??6E*UZ4ZUZ4K]PW,O\`<_\`AA^MNL)B/]-6VU^[.6_VFV4YL7V6
M_LW^#4OOLLK?QJX;V64OOMMJI?7(=05I8G2ZM*WWUMMK7I3K7I2M?,,O]S_X
M8.M)B/\`39M=?NWEO\O;J\R5$[/V;W!Z7J)V54XS\/4TZ7WVV544KDFHKJ)I
MTNK2JBE;;:U]&G6O2E:^%*C+_=/D@ZRF(_TU;?7[LY=_+V[L-[,G_+"X?_ZN
MI/\`TXRPMVO]WI_%A]*\&_\`MGRG_DW_`+;(]GWAO^6/S._U-RG^-8DAO?[I
MD_B3^XV_%?\`[><T_P"GC^THZTN^GPSIO3@1JGDAB,3]JV+Q@PK'9::JU0I>
M\F--9!!PJ.:M5/0LJJO;B+Y!K-6>E6MJ#1!]6E.JM2.ZQ]['&2.-?W/+]/R/
ME/COT5_C_A_M.HMG77F7+,%+6TXVP6K7O_\`EVTR:SV5IZV>,M-.(?<<SG>'
M;)Q'@)@N0JW<R<ZV)!<,M>O*K++2L9HK,H]W(2.XW%UM:KVQ>K-5,)6(67LK
M;>V59LUNM:WE-<U[8/45G^=F>[$_%\/EX1\/&8T\KQW1?B5N^?\`AEAZ"V63
M7K'/N*\OQ?#&UR1,SGF(FLQ3#BB^*9K/>I6*7[>UFO\`:&=28;H7M\\+M+Z]
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M.<CME7Z^T2RS=S%0\78Q@9;_`"=D-@;":0L!'L_19Q4$U4HWOL65<7>OL64H
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M`*C=IM]UBQY,&3<;/OUM6+5M'<PQI:)B8F-.R8G6)CL=AO[3+B6,V\(-.3J4
M%%(RV,\C<6@H!\@Q:HN(F$F=>;&K*1#!5-*V]K&/;X=I<HA96U*ZYLE6MO6R
MWIL;R(]7$^6+0]__`*G]IMHZ%V6:,=(RX^8TI68B(FM;8,TS6/@K,TK,Q'9K
M6/@AKUS)=.7O[-?QI7<J7KJV8SQD;^LOK6^ZU!ED*#)K9Z5>M:6(MD;$[?N4
MI2A5DF9V-)GC]7]V'$ZUM:W^FWE\SVZ8=M'R1-HCS1$0[6NQ1_RM.,7_`-SM
M3_?1L,VMM_05_`^I>`O_`&KY9^'<?_,YG1M^SCTI3GQS/I2E*4IK;**4I2G2
ME*?SWQGDI2GDI0T]E_37_!_XI?#_`/3A_P#WWG/_`$M_[?$NXQ__`.FS:G^L
MKD9_N3G1C_O]OPS^Y4Z:_P#]-[C_`*C=_P!AG>/WTD4K.[]PO5L3LL47Q7C?
M592VVEMZM4^1>86)U4NI3K?6RSR4Z^%#.[_IZ?\`#_*A#QTB(\9>2S$=LX-I
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MVV[K3ZE8M'=M2;3%OK=D=E[1.G'6/@=W1MOMH```````````````````````
M`````````````````````````````````````/@MYM]GGN-[8YA\H]FX!QP?
M3^#[!WOL_+\0G;-AZI862^.3^524C$25K*3SAE(M+7;->R_U:Z*2MG7I=;2O
MD.9DP9IR6F*_5FWPP_`/77@UXD<WZSYGS7EW+;Y-CGW^?)CMZW;QWJ7RWM6=
M+98M&M9B=)B)CRPY[R=X6=['DWJ_06BYKC+(XMI3CMK#`\!P_7D-MO4E\=-S
MV(8HPQM]L;+E;M@(_IK)9:YJI<U3OLHWBFJM46]OIWN%U\Y,6YR1%9CZD1V1
MK'GG_;L='J?HKQPZFY1R[D&;E5\/)>7;7%BIBKN-O,6MCI%)RWGUT=Z]M)F.
MS2E9[M8[;6O=R@X7=['D_K/0FCYSC+(XKI3COK#`M?X=KJ&VWJ2^,F9S#L3C
M\9?;&RY2[8*-)O)Y>K12YM9=91O%-5:HM[?3O<++LF+<Y(BLQ]2([(UCSS^]
M\!U1T7XX=3\IY?R'-RJ^'DO+MKBQ4Q5W&W[MK8L<4G+>?71WKVTG3LTI6>[6
M.V]KP<FN%/>RY-ZTT%I&?XS2.,:6XZZRP3`,,UU"[;U+=%R\UA^+,,;>[%RV
M^_8*5)O*9C[*I5O2^RC>*:JU1;VTNO<++KXMS?2)CZE8[(UCSS_MV(]3]$^.
M/4_*.7\@S\KOBY-R[:XL./%7/M^[:V/'%)RW_GH[U[:3IV:4K/=K';:U_JJ[
M8VG]C:"X&\;=/[;QR_$=C8+A3^*RK'%)"*E;XI^ME>0R*;>Z0@WTE%.JW,GJ
M5_I(KJ6T]+IUZTK2FYMZVIAK2W9:(?K3PSY1S'D/0O+N4<VQSAYC@Q6B])FM
MN[,Y;VCMK-JSV3$]DSQ:[=V.[E7N#CON3BEQTXD9UM)WMK#XF`5V[=GNG\7P
M""82$JS?SR*,9DF=Q^:2DZS8QUR%J=8]LUHJXM4HXOHG=9=#=5R9,5L-*_C5
MTU[-.UY[Q5R]6<RY%NNF>F^3[C>7W..D>O\`6[>F*L=^MK1I?+7)-M*]W\2(
MC7O=Z=-)V;XHY?N+;6FTM9<H>)^6:2DHC6>/85E[7*\LU;G&";%N=P2^-Y0S
MQI3!LRR"7I%.&S6Z]9&49,JVHO+4[;EJVWW4MI-K5TR5TG3XI>BZ2WG.>;\E
MCE?57*,VQR4VM,62,F3!EQ9M:=R\4]5DO;NS$=L7K7LMI$VTF75CVI>SW-\+
M.8/)O<^P6#5YB^+R4GK_`(FR:TA&R;V2U_EBOZ8E\U?(M'2[J(G6./7,\>K:
MXL25O4_25:6U142OOUMOMYQY;6MPCLK^">W_`-'R:^5\M\*/!S+T3UAS/G>_
MB+;?':V/96F8M-L=YF;99B)F:WBG=Q]NFLVRQIW=)G&_><U+SV[@&-Z[T_IG
M@YL"&Q+6&Q\@R^1SG,]GZ&9WY:Z;Q<EBL'=C,+';.D';6$=L)%P\N5?7-W5:
M7HV5;IW6J#<5RY=(K7LB=>V8^./_`$N3XU\HZ_\`$':;?DO)>0[FNTVVXMDG
M+DS[2._,1-*]RL9YF*S$VG6VENV/JQI+EW'C27.65[7V4=M;97$[-M2YFXT_
MMK`\1W?39>G)C6CRLFZR;-\;C<K:P6P7>;PBF1O7MN/KU;1L@WI1>BZE]B5R
MEJ:N/+]GG;S72>[,1.L:?$W^F^3]=Y?#'+X;\TY/GVF]G:Y\>/<^NVUL-N]-
M\U:Y(IFMDKW[3ZF=*7CZT6G2)F(U>[5F+]YOCW@.6\/</XNXCJK$W6<2V36[
M]Y!-7*$5JM?($F$?DKO&X.!F_4[E6NNC;746W:5N:T=75^TN*M+Z>KJP?:JQ
MZJM-*ZS.MO)K\$1Q[?P/,^%&S\9NG.79NC]MRW#MMM.>;QNMU68KA[T5K>:Q
M6T1GG2NN.*Q>._\`C6[D]G`NU)Q-[F_#GF)N^#9\:V:##/K4\*RK?>U'ET;J
MV!QV(V"GD$CGV*,\=>VN=F2&2P]J]L;$1[AMZIVZ1O=+((HKVC;TSX\UHBLQ
M$]FL\.,SK\>NO#R.=X4=(^)_1G5^]V].74[F?^;ONL^M<-*1DK:V2D5_IIM6
MLQ2E+1]:U9M-:Q9RSD!Q;[B>T>Z]AG<`QW@OG3;7V!YWJ&6:X3*[9T(AF$UC
MVM(R.B)56JC;9;J&8RDQ1%PJT2JO>G92J5JM]*UOK;*^++;<1FBOU8F/+'DU
M^EL=0=,>(_-/%?#U_MN0;B.78-QM[1CMGVD9+4PQCBW#/-8M;N3-8UF(UC6>
M+=_O2ZIYA\X>/6G-*:-X?[!=/%<GP[=V93N1[`TG$-L+D&N-YQCRNKW;3^<A
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M;#P=V(3N2HXOOW>\^\Q3`=?Q.59%(9!*N9R)AU72FST8>8F'2S2D$\]8NE=8
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M`,W.S9W.W,LBDPV1((PL=.6R=J#6U6Z]Q;9;ZQ6RRZ[U5K/CS9<D7K72(TXS
M'DG4\3.E/$/JWK_:=4<KY%N(V.QIBI$7S[6+9?59;Y.]V9Y[L6[^D1/;I&L\
M=(W4[OF&\SN='&#!]%:?X/;4C9J2S+"MIY3,9ALCC^PC\5K!,LN8+X7ZN/VK
M(N);(J.I!!6]9&GV"UM?^*M>I6MEENXC)FI%*UF)UB>V8\W%[;QBV?6O772V
M#D/)N1;NN>^:F;);)FVD1C[M<E?5]F>9M?6T3K'U=/+,]D<JXN<4]P[F[9:O
M;4Y5\<<]T0ZA-1RN/L-O/<IU-F>'.\LCL\ORG`I:!98AG<SE5DM$22S5\Y;.
MF+9LHDR71HZ_A;.K'BM.W^SWB8TKIKV-SI;I7G///#.?#;JSEFXV%J;6U8SV
MOM\N*<D9O68IK&++;)K6TUM:LUK$Q2T=_MATY<;=:=]KM?99EVEM(Z$D=IX#
MD>0JR";&D`WV7I64F5DD6"6<8WD$?DF,R6$N)5BW1^U)O74;Z=J5GVMMZQ*V
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M]S7]YU]E3Q`Q=4UQ;BW?Z4KN)^M;U/K+8_LTXZUMW8K.D9Z1FFT1%IG+%-(I
M68CL5+7TH```````````````````````````````````````````````````
M`````````````````````````````````````````````#3#?6X\NQ;*\CA8
M7*G.*QF(8YKERQB,4PB&SS9VU\\VE.9U$X]@^%1F33L/C[=1FTP95>^U2EUZ
MU%KUE7#-JR6O5)1"V_(<B:Z@6WU,<P6>-ZD982OL28S7)]8Z_P`?B<=Q)E&7
MRTI)9(I*6-KH&Z%:(J4?(N:)K-%DKTE;;5++K:#RZ:=K0[3?<NU_N;8NM]?M
M=\\DM9,MY22D/QWVEO'A#):CTWR'EOLZ[YC%:DV'E\`QB9>5GHQLHZBVKZD<
MYED+>K.Q:ZMMM78E-)B->SSMW-/9IE&]J9_77/**?D::SS^=UKE?Z1T9B\)5
MME&.J6I2*3.DHR;5?L?3N_@UT^MBE*=:>2M*U=B,QIQAF;^;C>/Q'O?]E&!?
MW@8UCX#^;C>/Q'O?]E&!?W@-8^`_FXWC\1[W_91@7]X#6/@/YN-X_$>]_P!E
M&!?W@-8^`_FXWC\1[W_91@7]X#6/@<6RR[=6I6<1FLEMQEL&`0S#!<>R+%)C
M7D%!*/8C-LT@<,7>PL[CKUHXC9J%4G['B7KTG;9S:A<WOL3JK:X1'8VI#```
M````````````````````````````````````````````````````````````
M`````````````&C^R-,1^Z]T;.B%9Z7Q&>Q7$^/66XAF./OIN.G,9FK'G(B`
M?.XUU`SN.O:7R>-3CY@K;<XJC>@ZOI>G?3\6I+72(:#\O=11NP]D=O[M/,':
MD]K3-LFS?EGS`ZUEK[\\TAQ\R*-R^N/9I9)3,T^=1^_N36=POZ8M7>*T>)M7
MUGD3OJG3"59TB;^7@[1.5/%K3W+72$UI'<$5D%<.4?8YE,))8#.S.'9U@N8X
M%*-,DP?-M=9)C"K>9QW,,/G(U!S'+-O2_A$Z)W)J)7WI790B9K.L-5.SUOK+
MN07!'6N0;3R5QDV\L#R796G-Y.9V"_R4V(WV#JS/9[$V]VWL4O8QKG'-L36"
ML864FVZJ-MUSI_56G6Q2VH2O&ENS@[/P@`='N=:,[JCW>6?/L8VJ[3T==N#:
M&P,%8-=FLV&1JXQG;2+@,=U\_;J(H6M,/URWP&DM%-_7^G<\S1RDIZ-K"RM2
MR)II\>C>'AA@W)W!Z;=LY+3<OD=\]EK*<U&N^V"CFB>&ZH>62=^.:DF4TF,;
M<]V+KBE]R,]DM;7?^4]SINI1XO\`9O12(VF)X-X0BP-R4_\`ZI6_UAZ2_P!]
MFO0S#/(8````````````````````````````````````````````````````
M````````````````````````U,R?7D/MO8G*75V0R64PT%L+0&H\-EI?",GF
M,+S**C\B=[^BG4CBV78^Y9S6-S[))S51H]:JV+-U[;;[:]:!+72(EUJ<<>!G
M<6U]M'E7LG8_*C6N3[G;Z:T5Q3X9\G\NUPML.95T#@6;Y;LG,<AW?JIID>"L
MY';^1NLH0C9)XUE4F<D_BD9*Y*ZE:HW$IM72(T[-=9:PZ"YH]X+D'EG&W26!
MPK#`MRX'@W*J3Y?9MRKX2[LP'C[F^583NN&Q3141BF7P:F)IQ:V5:T?JR:=^
M/R,@E55"ZBUBW7K9A*:TC69X>327<GP1XH9MQBQ/<D_N+8\'M7D!R9W=D/(/
M>65X?C"^%:]0S*;QS%<,B\4UUBKR2F)*-P[$,-PF-8-UGSIQ(OU$E'3F_P!8
MMZ%F5=IB>'"&5<QYC<6M>Y7,X+G.]];XIF&/J^HE\=G<B:QTJT6]#'U/5_9G
M'H7+WTLREA6M$O3K3[1Y?R%/0,169C6([&BO)#<6-YSETKL+1O<4PS3LY':Y
MB\&P/$G\O=)Z\_G`>9;E3#(,JSW&'K:3B9.Z['9YFK'6U85<V?8$)&JU(VRZ
MJV$HCL[88,P3D[M^N>8<OL?N5Z-IA2+VR9S&!Q'7$6_:SV..-EP[1.[&]I.,
M!8X\T2=0;%TFY;7I_:<?87NE%%WMJ-\BR):1IV0R#-[!V'`KH.\6[G^LXS%=
MJN<SW!AW^4[?$,LD&>H<XS56S&GN'NY;#91R[C8)RYD(].Y=;[!"(,;+ZHJ-
MVCA.W+&D?D]L-O\`5W+?2^O-=L,=WCRWU=GN?XG&RTIFF?)+Q4$P<PZKZ4F8
M22DT8>,BX&,4;8NLR05NL2;V+.;T?1L]8[0M5(S$S/9'8Y=L;<>J]T:5G9O4
M^?XOL*'@=NZ6QR8D\4EFTPQ83B6W-6RJD:NY:WWH_:;8Z5;K=*5K2MBMM>H8
MTF.+<,,`````````````````````````````````````````````````````
M```````````````````````8(Q7]8W=/^JW0G^/MZAF>$-(MXZ#W]M/GC'2D
M$KL'%^.;C0V'0N79*GL#+8W%'N=Q.W4L@R%'#8/!MW87D&$[`=ZOMO9-\EN@
MI%M1;T$+K*>5>TE$Q%?C:I26I.X:UR_;".M*[8FL4F<F2RK+'&R.0\-";DCH
M53D5@&;;&XX:PR;&-H3.MY9CF^C+9BS`LI>06"SN#1%R,6N^NN?5<L#.M='<
MAH2`AX'%IFZ#PC:&O6DQDR\LKB^ULSKF4TS=UA8.-75B[_YP]DIP,,YI'6W_
M`&&QZC95[5PY]12YS<JL0EH]R(WGP'A=K[APO<>C8S.\VTS@C'-MB3*^NL"G
MKF\)L%;#U6B-E\S.LLB=MIAVI$VO9)1I9`QM+:WR#]JBFX4M)1%M-8<!B-N]
MN/$<-IDT!Q>R>6P#'</AJY%GL3QZDL[B\8DM@8^PS!G@&8Y"@G.RZF72F)Y>
MV<JNE*N8BQE(-VUTE3[2U05P?6^%E]\RX&8[G>0X<UXI-Y5KK[%WLCG.;8QQ
MM<9/@F$KS>%J;?KB&2JQ$&_F;LOG<-N2D4T$HUU;521:L[UK'L@W:KY/K:<6
M-)3D#VT'&/1D],:/0=XSK/16$Y+A\FIQW?S+:,UW/-M19^C@F*HL860?-)#&
M66\\1D9]C5)!HQ0GO3=+533D?4#2_P`XMM[MK6O,IUI_]/D.YB<8Y)J\=<C1
M0TO!.L;;[=SB8=X#11ZC8K>Y2B,HRM*D2Q<N&Z=TBZ2M68I+(,57+4:7XZ^1
MES&YS2.5\:LOR?1>GG^FH%UR-P/',FA)77T=KQ_+9OKS>VM]?Y+(W,HM5RQF
MFT6^QNL38]1661NOCKTK+JT2#$ZQ/;\#L@"(````````````````````````
M`````````````````````````````````````&*LQWGIO7LY$8UG6T,%Q'()
MZ7CH&(A\@R6*BI%_,2]EM\7'HM7;E)7U[^V^WU5*TI2^M]M*5ZW6TJ'H;>3?
M'FY=DT_GHUO8\D<]6U<R9+97$H/5]A(?8O68E1FLY3<V3/23:>BG=93TZ/6W
MHUK]H1]8%[#DMH"4?0L7&[?P&0D\BRJ:PB$CF>1,7+^0RS'?T/=.0:+-%2]Q
M1[%I9#'J+4NMMML1?ME.OJW"5UX<XUYLO`=M8RUS36F6P>;XF^5518Y%CCU.
M2B'MZ-++KZLWR-:H.DO15MNMO3K=9?;=2MM:TK2H'.`````````&N^21^R<*
MVSD.P</P1#9$#G.$X3C$I&,LJB,8R+&Y?!);.G[9ZFED5&T-,PLXSS>ME];7
MB#IFNSIT27L7K<W,]DQI+`.P]-P&U\M<YUL+A'+Y+E3MM$,W,JYW'B32Y5M!
M(R"$8E5G&Y^SCZ402DUK;JT2I57\3UE;_5)>@[&8G3LU>C:\>,,8+?:&'"#(
MF*]<70PQ59IO6#04<XVVCOT0A'.[D]DTJ\N3C:6H>O5]-S5*VEM5*TIT#.L_
M"R3J+',BT9&9!":VXKYA"PN13U,A<12NW-<2#-@[I$1<-1M%4>Y0LJT8_9HF
MQ2ME;[[[UU%%+KKKKZ]#$SKQEZ_*L"4S/^<=2<X>Y1]OVR[Q&0SF<B-U8GCF
M22,E@24.EADE&9+CV>Q<[C$ACGZ`9WMEHMPR4M5;VJ5K6^MUU1KIY7"M=<?L
M4U+DF+95KKA5EN*R>'-+$81JPW]%*8[613@)3%:9;,8D\V8YQ;)-@WXS-NV%
M^1R+-U.JM'%Z5[NZWI2@F9GC+E\AKNZ3VS3=SKB%F7\XEUJ*CE^VWMCS&!DI
M)IB\GA##(Y?!V.Q&^#R^7QF&33J*:S+F.5E&\>MZA->U.Q.VP:]FFO8X-'\<
M,%B[<@18\&Y]%GD^K8W3$Q&UWG!JQ2NNHR`PG%;(5I&*[)491CV0QO6N.L7\
MDUL1E))M!,+'3A:C5+T78:_&MD..&'RV5/<TE.%^=261269QN=/W;[D@DZ;O
M):&R=]G$1$.(Q;:U\6K@<7G$FYFF^,W(UQU&5<*.K&5%;[KJF>]/PLJL\(S9
M_@N&Z/Q/0UNG]=0V481+.I:;V)CV0)PT#B&?0VP)!M%1\*_R6<R#(\C>Q-Z%
M%'BZ"=BCN]TLNI<GZA8QV<9;JA$`````````````````````````````````
M````````````````````````````#KGY&\)LHWAM=UL5AG,=",$8UBHRQ]9?
M(D&.02D(ECZS/&]@,HAPV:Y5K7(W,'5M,Q2];TG+-?KZ%54[.@8LS;@#LK94
M_G^1SV30N+RNU-R-)[(I''-J[*GY6`T^I9JE7,\+;2V3XI5]E\?G3[4\>JTQ
MVZ^$B,1O12^P.5V]7C5X',T^)V_,@^PY=E,IK7&MYS.]I+8.8;BP+8VTTU(K
M7[U_JI!QA>-X2EBN+PN50TQKG5,;B3F"R!9Q&40:62RBSIZLNC4-J>)FJ\QT
MEH7`-5YRLP=SN#P43C=TA&[%SW9;.3;0L-&Q:<DA,[%CHR>AT7BK.^].)3M4
M91J5;4D%+K*>0-CP````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
@```````````````````````````````````````__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>23
<FILENAME>g655598gr2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr2.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`.@``0`!!0$!`0$!````
M```````%`P0&!P@""0$*"P$!`0$!`0$!`0$!``````````$$`@,%!@<("1``
M`00#``$"`@0%#0H)!@P'!0(#!`8``0<($1(3%"$5%@DQUA=7ET$BLS1TM#5U
MU5:6UQB!DM(CTU156)@9\%%A<<$R4Y,DD;'10C,:U"5EM28V1G9'MR@X>%+#
M9X<*I1$``@$"!`('`@@*!P8&`P$```$"$0,A,1($405!87$B,A,'@0;PD:'1
MDI,4%;'!X5+2(U.4%A?Q0C-S5#558K)#-`@8XK/3)$1T<H*#1?_:``P#`0`"
M$0,1`#\`_OXP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@&(JOM02I25'8F
ME)5M*M>V1]"D[WI6O_8_J;UG?ESX'.N/$\_;ZG_Z=B?WLC_(X\N?`:X\1]OJ
M?_IV)_>R/\CCRY\!KCQ'V^I_^G8G][(_R./+GP&N/$?;ZG_Z=B?WLC_(X\N?
M`:X\1]OJ?_IV)_>R/\CCRY\!KCQ'V^I_^G8G][(_R./+GP&N/$?;ZG_Z=B?W
MLC_(X\N?`:X\1]OJ?_IV)_>R/\CCRY\!KCQ'V^I_^G8G][(_R./+GP&N/$?;
MZG_Z=B?WLC_(X\N?`:X\1]OJ?_IV)_>R/\CCRY\!KCQ'V^I_^G8G][(_R./+
MGP&N/$?;ZG_Z=B?WLC_(X\N?`:X\1]OJ?_IV)_>R/\CCRY\!KCQ'V^I_^G8G
M][(_R./+GP&N/$?;ZG_Z=B?WLC_(X\N?`:X\1]OJ?_IV)_>R/\CCRY\!KCQ'
MV^I_^G8G][(_R./+GP&N/$?;ZG_Z=B?WLC_(X\N?`:X\1]OJ?_IV)_>R/\CC
MRY\!KCQ'V^I_^G8G][(_R./+GP&N/$?;ZG_Z=B?WLC_(X\N?`:X\1]OJ?_IV
M)_>R/\CCRY\!KCQ'V^I_^G8G][(_R./+GP&N/$?;ZG_Z=B?WLC_(X\N?`:X\
M1]OJ?_IV)_>R/\CCRY\!KCQ'V^I_^G8G][(_R./+GP&N/$?;ZG_Z=B?WLC_(
MX\N?`:X\1]OJ?_IV)_>R/\CCRY\!KCQ'V^I_^G8G][(_R./+GP&N/$JL7BJ2
M7F8[!J*X_(=;99;2E_U<==7IMM&O5G6O52U:U]./+FL:#7%])E><'0P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P#B.3^V9/[H?_`&5>;ED9GF4<I!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!+U_\`A\)_&XW]^LYS+POL+'Q+M.R\
MQ&D8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8!Q')_;,G]T/_LJ\W+(S/,HY2#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_\`#X3^-QO[]9SF7A?8
M6/B7:=EYB-(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?_95YN61F>91RD&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$O7_X?"?QN-_?K
M.<R\+["Q\2[3LO,1I&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`<1R?VS)_=#_[*O-RR,SS*.4@
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ__#X3
M^-QO[]9SF7A?86/B7:=EYB-(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?_95YN61
MF>91RD&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$
MO7_X?"?QN-_?K.<R\+["Q\2[3LO,1I&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`<1R?VS)_=#_
M`.RKS<LC,\RCE(,`8!^;WI*5*4I*4(0MQQ:U:2AMMM.UN..+5O24-MH3M2E;
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M='3H?#MZBYR%&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ__#X3^-QO
M[]9SF7A?86/B7:=EYB-(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?_95YN61F>91
MRD&`,`XX\VHT4US_`([1CZE?D\ZAY7>._-NL1%/N1H)SGEBMS[TJHFWVG&M_
M9V\6D:)#3V5*TW-BSUQ%^J'U)5]_W=<K>ZW&YM?\U9V-^Y:>;5R,<)+_`&H1
M<IQ?0XZED?#Y\E/;V+%S_EKN\LPN="<'+POJG)1BUTIZ7F<[6V8QXS>55ZJO
M!0%7Y_5+S6_!4AT&CUNN#!=-%6_IOEH<XB0.0*>-CP@=<M=]Y%I^,[)C,,NR
M-!HLA6EN,I7OZMB+YQR2W?YG*=V_:GO%"<I-S<;>U5Y)S=7*,+M'1MI:Y+)G
MS;\UROF]RUR^,+=JY#:.<8I**E<W#M-J*PC*=NJJDF]*?0;$8[)W&Z>1HSDU
M?OM?J%6B>17DO5+#(10PMB-S>?\`$.;>.-S!U$=((2&XPHT4.=&)Q9Q-QM]]
MN%(WI#6GV6'&\KY?RW;\IEOKMJ=R^]IMY1[[BE.]<W$')T6*4;<6HX*JSHVG
MI6^YA?YHMG:N1A96ZOQ?<4FX6H6)**KDVYR3EBZ/*J36(^31TWQ[J7=`--?V
M,L/G%Q*B5#ERVE;1MOR)#7(1XYDR4/TWK:B,/E_8JZ9<WK]?\I5'G-_K6M[U
M[\GM6]_LMM=W&-KENYG*Y_<.#OI/J=RU<AVW$ND\.;7+FQW>XMV'2[S#;PC;
M_OE)66^WR[L)=EMOH,7G7:\\.BW81SUIOE/C'Q#R(N7/^M]-Y;QJHWFUT:@T
M#@/CZ[S>Q7VKS4+?+5*;N82;MULCP2AL:/@P=>UF(V[*8]EM]MS*5J>Z?G\X
MW.UA.U;N790C.<[]_P`R,)+*2I'RK3E&$I2EG)I/S\^_R]7(;>EGE.WW,X7)
MPMQE*,(6;.B4X],<9>9<I*248K"-6LKI?2.N='[':^%\KN-)XILKV#S5NT_H
M5>Y;4;/--B^2W#C%-J`Y04K\(":*G2G44D[*>D)>*SX4%IIIUA;WS#?AN-GL
M=IR^',M[;N;C38VD%"5R44G=C=G)U6*25O3;@J1BY-M.E'Z[?=;S<[Z?+]I.
MW8U7MU-S5N,FU;E:C%4>#;=S5.;K)I)55:FJZYY<^2-^IEA[?`N-.J58YSS#
MP?O1/EL+GHPU`O9SO=FDUKJL"1<RTU=C!U)Z+#5+KRH.TS8KSR%OO26$_`7M
MO<BY3M=Q#ELK=R=Z]>WD%<<VG!68ZK;T):7*KI.N#I@D\3):YUS/<[>?,(SA
M"U:M;63MJ":D[TM-SO-ZE&B;A3%5Q;2H?9&0WIF0^SK>]Z:>=;UO?X=Z0M2=
M;WZ?1Z[UK/P*=4GU'[=JCH4<I!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7
MK_\`#X3^-QO[]9SF7A?86/B7:=EYB-(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?
M_95YN61F>91RD&`,`Q.]42F].J!^@="K0JX4NTP=#C]<-,;D#R45+[,MCWZ;
M6U(C2H4V,U(C2&5M2(LEIMYEQ#J$+U[[;<[C9WX[K:SE;W$'6,EFNCXFJIIX
M--IIIGCN-O8W5F6WW,5.Q-4<7D^GY'BFL4TFL4:E&^*7CZ*HMVYS'YVW*K72
M"@4[?)!JUWFQ7*U'JPX.>J9TKTJP6<GT=9FFO"(JPLE!9#P=<="H:F=Z]=[I
M\[YI/<V]V[M+MF+C"D81A&,JZHJW&*MTG5ZUII*O>J8X\HY="Q/;*U6W=DG.
MLI2E)QII;FY.=8T6EZN[3"A-\^\<^*\KE#)]"H<,"0$&KW981-9BRF2B['U`
M?6AG1+`0)V`T5GF#=TBT\;]82ICC[S[L;XNU:=<=6ORW7-N8[V+CNKKE"481
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M]GNZ90@H1>B#<(Q<FM#E%N+3G)J46I8YX*F2_P`IY?N=7G6ZJ<W*2U32DY**
M>I*24DU&*<9)K#+%GY;_`!<X)>H3T&R<]CN)>N=UZ"J<$L=RJ!QNU=*AL#>A
MS(UBI]C`GX@V\CHK4<J-:DH&36&D(<C[TA'M6.<\SVTM5FZ_[.$*.,)+3;=8
M+3*,HMP;;C)K4FW1XB]RGEU^.FY:7CG.J<HO5<5)NL9)I36$HUTNBPP1D*^!
M\:4*L8%'.Z_%!VP'S*LG@P]$P:+F5[C*T+Y8%9@CY<:,-'4C;2=0VXJ6$^U.
MDN>].O3/+[SYAKA==V3N0E<E%NC:E=_M'5K%SZ:UZJ'I]W;'1.VK45;G&W%I
M8)QM?V:HLE#HI0V^M:G%K<7OW+<4I:U;_"I2M[4K>_3Z/IWO,"5%19&W/$\Y
M0,`_?3>];WZ;]-?AW^IKU_!Z_P#%@'Y@#`&`,`>F_3U]-^FOP[_4UZ_@_P#+
MZ8`P!@#`&`,`8`P!@#`&`,`EZ_\`P^$_C<;^_6<YEX7V%CXEVG9>8C2,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`XCD_MF3^Z'_P!E7FY9&9YE'*08`P#EWS/E6L)XS=>NE'Z%
M=N:VSGM*L%U`GJ-+`QICY(.,D_*CS#5BKME@SP:W7M..L)9:<6XVC?Q-:UO2
MN9>%M9G4*:TFJILQ05WD]3+W'YRY6S5SY=6>Z5KQ:,=ING0(,WJ1'KUPIH^\
MC"4VEBJ('!$Z/#EV8<!?((GPYVI;WQ405QF5O+E:8=%:'3C55Z:5H:-?\P[?
MP!KO%K[#4)%AY$/\B?*VLT2WPKXLE<]3^7TTMTP)1U4J97&AU?H\X542@D;,
M27?<BSF$J>AHC/)<3-36+RJRZ%*BCG1?*9E.\O.F6GQOZ+T[FE'YVGH_/>T\
MVY9)B$[G;Y_*+!`N%OY3"EV&H7.7S`)8C4;ZHZ1H>YMP$QJ$6BR_13Z8S:)%
MU-JJSJ%;2FE*M&C#FO,6Z\,%]F.=CI"#E(%=4\QDTJQ#.CO&+'((\<N,5Z'0
MI`$C48,2O49;9OZI#D=3I#["8&W)$!EIUM.FJE:Y58T*36EXT1MP)Y>6"Q\<
MW>P',P)V[[\CZ7XU0@<"^'(7-[`>O5GJ`$3?*WT6P<X#'2%%AP[FS(E+576Y
M:9,*9$;;6XTA2VK"JSK0FBDJ5PI4PD%YRWB9%#Q3_"`H>V=";BB^0@AW7%F1
M]AMS/D3'\9CD*ZG%\\&_8VN1;C(T:B38T8M)D5Y"OB169^M1-M3X8_EH5VUT
M/!9_%4R8+YA6TU?P_*I'-*73;HN9UJH&IUWZ<<'4<YU7EY<F*_)UR"TP>8SV
M;X;*#&H%A<BD$`R;-?(I6Q#ER(\IIIJQITDT8:D\/Q%>@>1O=C_"O#BPO\NY
MU:.U>4,&"U(%Q.C%ZGSBNNJY%9>KKLLTX]S\R=:AS1]:^`L=&&27(LN8AM#\
MAII3ZB;HN+#A%2DDWI7ST,;K'G):+]#B3Z5Q*`J+8"/`Z)4]6GIVA,F;U[NP
M15A<K)QD72#C8FF\R$!C+Q4TRN7(G[A1VX,!Q4E7P&IOH*[:6;X_(:6N/F'<
M@_6D]1M]/CB*;Q_C/0:R8YY![1;(HI'D7ORI"^,4F22BBJ/'KMOI>R\R-N&7
M)LOR!H.6]-9&H(H^67')UK\,Z%4%IHLV^'12INRD^=)"Y&*N'1RP="66KW6Y
MK<I=PLC$3K-MY4<N89?/_%Z0;YH#C=7L]DA5:*8C12[E9FJ$F8[C,>0IB7\&
MJ5?A^`CMT6?P?$CH?FA,(#.:WB&`%V.Q]`Y^8'U_G%%ZI(F4%GHI_O'"N05R
MH]$FV?EM;MM4Z!5C_34LG5OP&G`$>//9^0FNO1U(:L*CR\UT+YFRI9O..^5M
M^\AU\*`3+#Q*J=HN7=F4=<?CA0H?B)[G<8LWS2>YSIR?>9UUJ72X!<.B?$!H
M94AR)-6PYI+BFI\,@K:PQSI3VEEWGR]F-$^T\>K#M?BD1M*O1.GW_GEXL)FP
M`C',K3S*#91%VC.4,'5JO8)D6[JTB&+L!N;`5%=8GMQUN)]#EFB*&4B;[+<^
M@B/,NP094DT/YM6J#XE"ZHBF]5.@)S%@[EY9F.>60B;Y^_3I](,Q2\0,W`GN
M2GY,YL+`TS`>AO$9#L8V]75A^$12\M<<?D1ZJ/F_8#E5?L]MYOSSFC5DY5$Z
MYS!^S]D(O`RH1[KZ>-O"+S.%\OEDZ_9I1B7#G"QX6%8I)-J6F&A*)B=IVU=+
M'EXT3;QIEU5+('YTVFQC@]A#\3%OU<95*E:>HE9/2B`Z:"18?):]>,LR!0`9
M+G$,G;GHAZC/'(^RR:XIX2OX+R(\WT:VU5Z/A6@=M+-XU_%4S:%Y%6NV(Y-?
M9]6CT?D=[[6:KO.SH[JL9@[:ZW5J7W:;-.=BKY3GJ0-7I!A'-?K!B'$-ORV$
MN1GI<B/N,_&=5;QZ*AQ2JLY)<.S(Q#FGE07[ATWE8**T&KZ`/8Y`:QR.?VZS
MVJ@7ZK6_Q>ZKT2L+BF+10.:DS+`@R#2IU2!KHUZ3#8E0I4AM>OAE*K]I7#3%
M]GXT?EI\\FJLS<8Q6IT6NV<?WQ/!ZQ3[IT:S5^P"'DL=#+-=$[2.B\L+D:+1
M+74.<2#-;E`X]I9-19C#:'D.)D?!.=/C"MUXY5R^'XB3H7FX7NTRM'Y?'?L=
MR2<6\>JW<+G9+P]&M%+L'D/3VC87YJD+IL=MZMU6SRH@B<0D$8:W_K"/)98]
MGQ4-E*O1AA\I'!+"O>Q^0@:#Y>76^6AL!1.9S"G1>MS:*8I%+Z/U%L!SVIT:
M1P@?UV=9G"X;FQBQ`-3:R8$J?&MPB\B8<+>J7(T5EW:6IO+,K@EF\%\]""D?
M>.-ND^G0J_R9%FC4G[>Q1TL+9[84=%RN5]@JO'+Z?ZY#%<K(+HE%BRS\ZPP9
M8I5D(R:V!FO.PH\C26$S7P'E95?PSP/HE2[`W;:?5;2U-K!)JR5X0<;(TFPZ
MMM-G))P69>I55M.H0W[15][XONB3=QH^Y#.TKVVC>]IUVCS:HZ&392#`)>O_
M`,/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.(Y/[9D_NA_\`
M95YN61F>91RD&`,`Q*^T>N=,I-KYY<(C\^JW4%/KEAA19D@=)E"236V9C#$^
M(MN5#<6WOTTXVK2T_J;R-55'D5.CJLT:YE^.O,YO5==>?:M7U_NUC>A2*RU<
M#;7-)W3@U2^P8?J,_GZ']`Y-_%T[2(#,[:=(TAEEY32I3+3Z)I5:EU.E#$)W
MASPHO9+K83PJWV.)?BG2[">I!Z_VDCSEBU]@KJZ?T6Y`*:J<B!7;78*DZL=J
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M%PQ;X:PP_JH28%`"HFWGAA^M.F>PP>^;/UTS%E)EBK0(ZN,CE!\Y.]N1=-:C
MZTJ.I;2II04Y+X=5#P/\5.6CW:3[B732@VD75SJ'V>.=*L16N7CJZ[*3N*.J
M=-%R'/2[7V-9RSDMJ6\MMEM3<=O3/P8L9III0URI3B8;9O$@1)`^-%`IURZ'
M5Z-X_P!UM-@&E!_2;&-Z8"!D>4]!H-9!4ZYPX[DS<*N/6]B(S'F[6T@,SMI2
MGG$(VIIR2R15-XMTJ_G,Y;\5.*PJA,I0,&=JXIZ3R@F,GUFV'1=CJA[B`<<"
MYE9ZC8?FGR(:R5Z",;^)*VIW9%QQ[<Q,C4AY*VE4H37*M?AB6J/$CAZ:](KC
M@2R2&IE1)5&:<?NUG5;IBB_4F>W3[J_;&R#9O73'.N1V[`@^AU$Y@@A.V]H;
M2EO32LAKE\/B_`2)CQMJEF=I3MNZ'WJX_8.<@Z&:LW8[+.8F7*')/2Z_T`VT
MPF&DA>*=)L;ZP\Q'P6H&V8OM95\I'^&TKXAK:K2F)CC7AMQ'8X[&*,WZQF[.
MHY,L-]L/1+)/Z*5L1VS<UN'VU=MS,B),B70"?X]671,^,AA0Y`=EMI'LV[IQ
MI5*%UR^'PZR2B>)7%HX6U!I8ZUG';Y1^F4"^6*PW4Z5MMU$=@/"K+T,G8S[K
MZ)$NSG"@.)I$YM+*H46,W&BH9CMH;2TH:Y?+^`CGO#?B,DR;+RV;_+C&==*U
M&JDGI-J=HU5WV.RAKIU-RE5/<S0RN/WFX`8Y.8XWI;B9/Q-,*9:=6UMH5:C7
M*E,#;%GX]0KC;9MX/C)LFQD6N5LRY;):?$86WQ;I)'K?/=)AL.HCM[%WDJ_)
M?WI/K,95IAWW-IUK*TGB<J32HLL?EP-9$/$/B4X)30C`ZV@U\ZK8>L\_L%=N
MQT3:J7'K_0H?4@9<`<;>==9L8NYP4/MRWD/;7'4Y&<0XPXMO<<4U1G6N2=?A
MP+T'XI<8KU=,UB$+M$H?81`X*;E&KQ9CAPG&&=>M/=V),PZ4GR2CY1_J%S)$
M'Y*G-NO)?^`K?PD)3II61'.3=?AP+7?B/Q=U!D;-B7(I2R]FM-N9Y<4OEBF\
MOK1J]!>@@;SNFT]R3IBKC;?!ZD<5,A1G=1$O3??';8]B-::5[!KE[>)(\]\8
M.8<W.0K2-F=$L]J@%PIMFR]#Z-9;P97*K?/+%RFOQWI!B0IG8T/0+1+@,QD-
MH:5O:9#FER=*>644BN<GAT$:8\3N9'[$:NI>P=?F]`($J\1KW1%]6LR+QS!N
MJE+<8`!N4FVUH^QU<@RK\:0N#\*2Q+B$78LG3T;V-(:(Y\1K:5%2A/6?QJY3
M=J)U;G=PB6FS`NV@:F`Z;/+W2POVNR-4D`*K=>+[M:);1D=9HT(+&>61C.-2
M7)K?S&U:<WZXTIJA%)IIKH+2U>+O)K22?/MLW"F6SZ[JE@#W3G%U.4JVU(C3
M>=_DF$HJ)46[M`87*YSM0J?!VT["GL;]SS2G4-K0TH*;787`_P`=:R!3;6*E
MT3O5)'VXC..N!JCV.SBPE9M!FPQ;79K=2!3WSL2M6*W6&.Y**+0ER-(<FS?:
MPWJ9)^(TK(:GU5-F<\H%5Y51:IS>CCW!51I8>.#`P'YTPG*:AL+<>6[-)D'I
M$\D0FRWW)$F0\M;K[[JUJWZJRI45$1MMU>9F64@P"7K_`/#X3^-QO[]9SF7A
M?86/B7:=EYB-(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?\`V5>;ED9GF4<I!@#`
M-5=:Z>KF(RI:&U,G?;AT.]A^;T&EBRH@`X=M!88<L#JB5C/.-B:X`"5FL$2,
MZ:[IW;;$3:&FGGEMMJC="I5ZDD<T1_.D00C$GQ/%.D3'`=;IRSL.0<H0^6.Z
MK?NUW7QWK'$6VGCSFB-J>ZY0B$.44:WL)$&I3/5(4VI+>^=74=^7U_"E:_$4
M;;YV!:!29]UO?+"%.35>HWSEO0:]8^M<B$V`,3YS(JS)\C0H$^Q1Y'8VYL:T
MMS1T4,VF1)@L;4[\O(=CQG6M+%A6VW1/HX?"A:7SS-^3"=/9<H'1^=#`;7>A
ME)ZE#D\WL\FRFO&_I@#G?1W0M*)3I7U;$>EFVWQ+YAK34^.B1I3;#C3/QCEV
MA0Q6*>7RFQK'Y2%JW9.WUTKR".)_(LY2&I]D/=RY16>?D)W0RT]FN@REVLD\
M:/IUB35XT<Y('24RIS0\E!3IM;\II"K7%JA%"J33SZC48GS..='F1I]<IA:G
M<J+TGQ#OU?Z)$.42P6EZ?WOO9?EI6F&*O+DD@VP"Y-;D0'2D%UU;41N3-B.+
M4]`WJ:J]F!UH2ZWC\BJ3[GG@)0(#F_R']&5$Z.-JMCX&PU8:$J9V:I6WLE*X
MG!-LMNFV&N>R(MAZ0!)NPC#B7?J(FW(TOX[;\5IKZB>6^*Z^K"OXC9IOO>RW
MC-U'K[<"T<U-T#?2JW9A<+['W&R4ZY<MN1&E6F*&?FJ?I-K:;*AW5PI+NDQI
M,5U"U(;7ZMHM<&^!%'OJ.9>4#R61>^I2>>2.66VH"9MC[Y5:7>2QVJ$1=Q.>
M.%YAT?HC3(`21E6``+>DST2!,J:C7SS33Z5H86VW\<I5=`XT5:\/E-$73R6[
MM^6211*SR!^7#IOE_4^+!(0*^U")(Z_7;1XDW#KSD>RRC_K%H\$:=DP"CDKZ
M%-Q8S3&D.R$O(<CDZY=/XBZ8Z:UZ*]F),US[PSDEGO\`RFAP@1.%(Z6SRB%.
M=,6_GXZPTVW=I&%R-)JSG/UV!RWW./&<$ICF#`=B0,%N3HJMN/-JD+C-:JEQ
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MTD\,J+\!I4_YVC*K!M)P_P`-Z7$K(\AW$#0B\8Y0YTKJ=G\?+^W0KX""A4'&
MI-9V2>4[.!R2KC#!*-#DZ<^66VU\>:NHZ\NN35</E)*U>::Z3JS3+#P:_I`T
M^QG^8GC@>V4(TEONU7Y3+ZZ<Y,-%QR;9$LU'$0'A+5@;3H;(L#?RJ$_!4F5M
MKZ:,>77I7'V9%.Y>9E0`W`BZ)AW6QUNM@[,.&#ZY#J#P?KEUFZ\8-U88"+E9
M4<L()13'D6'$,N+=CC=ORYSDS?MALJQJ^'Q!0=.O\&?S&IH7F'=J&=ZV6ZM4
M>CIF52^]M@#N)!7^8GE_(U:=X;4NNAQMYU)&LSEHLW;WI@AY$EB',A%)*I_P
MG6(S34U=OPH70G1*F2Q^/YC9]E\X%UP3<TIX#?SM[Y0([=9NS<\!W'GKLRA5
M7@SM;;M!D599Q6`#OL@^FWP'`T*%\%^4CYGXWRZXVT.77U8D\O'%JCI3VF\>
MH=['<V(\."HK+ITKWFR?9VLJG6JM4>O#'&`,>R2VR=IM+[`N19)@Z1[`P2/I
M9`[):=;C:U\)Q::W2G6<QBY5ZC00;S7.C]$$]*XD6`-0+7Y<R"!FN72J&0];
MX_XDVV&#N%^.M2)K!28;>AE8[;`F`T_(GSDK^$EEA25IFKCU_(=>7P?#XV3>
M_,@\@S7J`_XW=!B=GMQREP:WRZ5?.:(1*KW0N;],Z95KB5O2"[E;##FA_(CH
MTK%]'Y@TM%TTA$IEUI];5U8C0LZK2>`'G$`M[U$)5'D?03M"M9OQ[J%AO6RU
M-'M\^N_DE`"EZ97#-9DEU&C<>O";%`<-D!_Q8\1Z?':9U(TMUQAKZAY;6;5<
M?D.XL[/,8`P"7K_\/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`8!\:.+WX/8JG
MX[^7G?.@>4Y*X>279($:G">:7#IT;Q_XS'MW4HO.N3<=NW.Z.3'\\8!R5F!0
M@N3LH\C.*'MRWW)+*$LM1OW>_P!M.U?W7).6VMFK&UL/4[D;?G7=-MSN783F
MG.N$I1C!Q48:4DW5O\=L=Q"[8V_-]_<W+N[F\M*A*?E6]5Q0MVY1BU"F,8R<
MTW*6IMK);3JOFAY&=$^P8"G<3Y)`NG9NA>0@7E[5FZI:]UP9S7QBMQFCW_H?
M19@GG+Y"$5M%E0'CA`@MF<I+);<B5+;^6<85CO\`(>5[7S+E_<7G8L6K+N:;
M<=3N;B*G"$$YT:C'4YSDUC&BCBF:;/.N8;EV[=JQ:5Z]<O*%9RHH6).,YSI"
MM92TJ,8UPE5O"AKTY]Z781?);??F.!IDV\%`Y`8$\Z1?-/2R8\O:^O53R':^
MN6*WM#[_`!![QOOTJ.ZQ&4V:B#8+BM0]S?:UJM^Y]J>]AMGN:6).ZG/1@FHV
MI6,-7_%\^RG5]URDN]IQS3]ZKD=G/<+;_KHJVU#5FG*Y&]CI_P"%Y-UK#O*,
M<M6&96CRN[]=?*7GG/N3B^81>`S.@]VYS:#U@-G';1?8?+.5\XM%CLU5T-J1
M"`.16[+;2@V$TF>A,^6+5\=QIM6O;GM<FY;M^3W=SO7>?,E:LSBHI:8.Y<N1
MC&59)O5&,9-TP4L$V>]WFV_O\TM[?:*TM@[EV#;;K-0A"4I1I%I:7*26.+CC
M1%7[NGNW7RM`\9.-=>HM8#,V?PDYKV'FMK`7\Q<[$4KU4'<[I9Z-TZ.7K8AB
M#;"JKB**-.0)A%C>I,F.XY\2,EZ0]Z.7;&&YW>_V5R<G#F%RU<BX*,5*3G->
M723K%:91Q47@FLZ*^[N_W<MOM=EN[<8Z]C"Y"2FY-J.B+UU2I)ZHRP;S:Z*N
MR%%K_P`^\QNLB^OF.H)ZETLW<R?@X9-]0Z&/\0>@4N%R:%*:X@8HU0F2JG6^
MJ4@@!,&222P*0;+PVG"HF9+1'D0X%G#;;KD=B>RC9^QVHQ6[2MP>YA)W'^M4
MY+5*W-.,8Z9J,7W)QC52E(3W&WYO>AO)7/M5V4GMFYS5B<5;7ZIQCW5.+4I/
M5%RDDYQ;HU&/\=/,KR:M-1\=AG2:?PB49M'AD/\`*_KO5Y_4#5&J(X$MAN`-
MBM0'^<KC"S)V;)8FEY+ORH4#&1+VTJ5IN.AWOFG(N4V;VZGM9[E0AOWM[5M6
MU.3>;QUXI)-16,YO36E73CEW.>97;.WCN(6'.6R5^Y<<W&*666BB;>,GA&*K
MG@:VF_>!^1G1Q`P/QF)XWR[E7?*+QOYQ:+4&N?0;!RBZ<^[CJ6_`BU@L8Y8/
ML<8H@@*DP2$K4!;&H6FIT&0MQ[<9C5'W:Y7M9N>_>Z5B6SOSC%QA&Y"=JE7)
M*XXM4:<56M:QDL*O//G_`##<14-FMN[T=S9@Y*4G"4;O!N":Q33=,J2B\:*9
ME?>X@Q=LZ>M^G46Q42J0?)Z)6`U.Z5)(]F19_&*6;%/-].ITFIL`*%7.PF*N
M08K\K1*6[#U\C\XW[Y^VXG"]R;D[-E*Y<AN9O;N3E;I:T[A)_JY:JSE:4HN:
MTJO>TONUEW+WMMPN79.$)6(>>DHSK<U6:I:XZ:15QQEI=73NU\6&[A'F5W2E
M]FB<A\AN.<TJ<6+:N%`+'T3GG3CUHJT*#Y"5[ORZ>58CV.BU4A&0(Z/QV#69
MFI?PD/.&VYC2DHU\OGSY\BY=N-@]]RR_=G)PO2C"=N,9-V96=2[LY+&%UW%3
M+0XOB;8\ZWMC>K9\PLVX14[2<XS;BO.C=TO&,:4G;4'7/4I+@=C^._42W;>(
M\U[`7K**>YTRLQ;L+KZ)[A-<.K6-UXG3'Y<IV'`7HB3J,B#*E-?"UJ/(?6UK
M:](TM7PN:;.'+^87=C">M69Z'*E*RCA/"KP4JI<4JGV.7;J>^V-K>3CH\V.I
M*M:1>,>&+C1O@W0W/F`VC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`XCD_MF3^Z'_P!E7FY9&9YE'*08`P#674^7C^I":[%=L5EIEAI5
MR#]"HMWI[@;5BJ5O"1"HM@C$C60-8JV5A3P9Z>/FPB$&5$EPIKJ%(TKV+1&J
ME3I\1SR<\1Z75>6W@+2X71;E9C5>YXVRZF^5>OWDE=N<=>N';PW2Q=NL0/54
M'](<ZAT`D>D.3HVPTMYMJ)N,S%VI&YIPP.M;;QHE^2AJ"E>!LNX5*WE>S]`Z
MO5[_`-5.=N;Z`T`MG-CA\SS+K5RK]H9HULLD3GC]:'&H\JI0Y,F13V!$=EJ0
MX,;=D0FFEYRH5SK4Z=RC[J5%0Z3M?B5S"Y`G:Z7GV](]Z7WR8YN&5',O[<\C
M;T+Z%?4>]8=U&FHAP0TV-U[?6-&VI#FWE;TO73BF<*;3KV?(8[KP^&)1+4GM
MO8]ST=Q)^1M9,R(O'YQ2I];-3K*LM8V)$SE+Z;6W)K]KDA66+`DLW!%LQ$1/
M@.PHSK;3UEU]2RITY?&5J_X:<_K,>KCAMVZ<\&KE2Y55)8LL6K)3=K5Q7LY+
MN?/+'92DBJ?6R["/MITC'EJAO1(I`?-4AYG;S;+S;2@YM]"Z?E5"U">$_-`[
MP+4BX=./BJ*Y48?)P!LS7'!G)JE3^O5;ML2C5-P?58!(D"(W&D"(\F09D$RG
MU,-C06I32&]K4TH>8^KX*AMB9P.E3>7=/Y&]+L.JOUJR]-M-GD-SXB3,<EU>
MVD+G96P\O8Y4>)$CEB;B8:'&7E-,:2E:G%:VK=I@UQ)J>I2Z5^(N:_PZG5NR
MUNUP)1Y9*K67OUJ&MRIL1R(X2\C[<U=+ZW+:1`:<=APBS.DC$)6A49C]:XIY
M7Z[)15KV_*-3:IT8?(1;?C[5VNN2^O:L=N5.E=)JO74U)3X'[*1>AU;D!GAB
M3C&]`=614<SS\JTU+AN$%Q=2X++[*65*?T\IC4:GIT]7XZF)<[\3J9RBT5ZR
M4"Y7P'&&@JN!L];>31#(?H2*3%,CZJ3L4TS2)UE"EQPTUN*^Z`GB$SX\2*B0
ME?P-*44:/`KFVJ,ENN^+7,>U6R3=+@[9XYN3Q+H?"%*`EXXZ*W6NB.)==LK+
M+H^6I%[IRGIGU$0]VT0-$Y?N:=^)KVG%-UZB1FXJBXU,=9\.^<PR566+M'0Q
M=3#0.&Q;3SJ(5KZZAU$AXX*B/<B/WM<JLR++HN&E#8CA'ZI(#(YOY*.B:TZV
MU[%-*+K?MQ^4J2/#_G"JE0ZN-L=^!RN742G4GGEM'%0;EEK#]`Z$&Z;4[@RH
MC79P4A9A]F!M(>3*AO#ID!UZ,]%6AU6\:4-;KVLR;CO#SW';)/;@]2MEMYU-
M%6PS(`W%P80LAKL72>J'ND7_`*.=+BP@6!J.I@@P.$#X;+$:!'7(1\/V_!]A
M)I]1)2U++'\5#1=.\*(A<1;F^P76_E=%N@>21NH4V(>J[U5YX+[5W8IT%XY4
MY,2J-'%&[%5H`QIU@I-),"4RI[$5MG;Z]ZBCQ.G/\VG1\B-Y/^---E=7D]-E
M62ZR`\OI4KM4CD#TP"OEKW99M'<YU,Z([%W7OMBY,D5=U?N&[,;#;(JW.^5^
M9W[\NE5J<ZGIIAE3V&N17@GQ<+S6K<O'E>BMB:97^C!:^?<LL%ZW1)_0^B4'
MJ*;8LRX#4W(M%'M7,`6P3JV-QX\2`B.^S)1ZXTJE"^9*M<"K_8DY[.T:E6N_
M=7NMALI^WVBR6@^8JC!0J;N]LX/<C3R(8&G!@0H>P3\=@#,*'$B,QX<)<IE"
M=_$;4RTKIS'F/HI3^GYS5'E-XGV>U0NC*X=!Z#'O7>1O=@%XNX7J'.J8$"#.
MYC*.,-@+>+M]1/G"7/8TVG12;"ZVC[30W8\F.R_I!!2FY*+>72=0G2FJE%3Y
M#JOLW!17;>>C^5V*ZVX'1E0X`FY!*M%IB&>@!("!?PQ163::I:25=^%)%)>B
MS@CXTK"6XI3,I+FD+1TU54>1Q&6EUPJ8TQXH\Z6;MQ(Z6MUI$6YOR,@O5`S-
M#-@!0'RH(5LSUZNCGQ0,;8'QT\W7=R8#DN;(EP/G7VTO*;TPEF:5\.LNMTIV
M?)D4*1XI5.I6ZK=",W_I_2;]3S=<(BK=>RE7<)+#4OFO0>64ZGS8U8J5:%/@
M08'J!J8MU+"")`Q,5+ER7M^C>BBL^D.;RHDCFDMX>6NL7OD]1XU'O8+EM0MO
MCK>+A93_`$SGLBAW*9XZQ-MUI^S4./4ORK2[T[!$#`Z]#9@^OSH[#$V5KXT%
M#3TTNJ2RP.M::;EGC\I]`^;@K35^>T>N7JW/W^[`ZH"&7&\2(S,)RW6F*.8;
M/V%,*.S'9A1RA73KK+*4)^"RI"-_2G>]]++',\VTW58(S7*08!+U_P#A\)_&
MXW]^LYS+POL+'Q+M.R\Q&D8`P!@#`.$Y'@A6&K1'57.S]EJ7'$]RKGD9*\=1
M,CG<[F&NIUKI(WL2)=?(V'GQGH],JI[J(M)LF#$G(@UZ8_(^`W&1(=0K]$O>
M.\[3\VQ8GOOL\K'GO6KGERMNU22C-0E)6WHC.4'))*K=$?"?(K*N+R[UZ&S\
M]7O*6EP\Q35RJ;BYQBYK5*,9*+;=$JD\1\+*JQ6.9#J!TWIO,+OQZX=<MM!Z
ME6UT<O:1[?<[%8['TJJE@]SIEEH]AJ9N78M;1&EBENQGAL"0V[I^-\1?G'G]
MYWKTMS9LWMO?A;C.W+6HOR8QC;DG&49QDE'-2Q4I)JCH>CY+95NU&Q<NV[UF
M=R4)K2Y+S7)SBU*+BXO5DXX.,76J+&O^`/!*X=X,<A)N$O?`^;=0YH,'ECS)
M*%T.#UR-(9MUDZG\8;J1:+:[(-G93,IIR(VB392:OA;2^E+?5WWEYE=M[FW+
MRU]INV[C:5'!V_#&WCW8X036.%N&.&/%OW?V%NYM[D=;^SVIP2;JIJYXI3P[
MTL9.N&,Y88X6U&\#J#S.E^,E.H_1^IBU>,1&YO!;,1GU*PV3HH?I39!'1@72
M9)BHR81)-M7/TXN=`8'$HKK#:H[[>O>E=W'O'N=W?W=_<6K+^UJ-8I2C&#MT
MT.%)56FF3<HNN*9+'(=OM;&ULV+EU?97*DFXMS4ZZU.L:/57-)-=#1MGF/C)
M1.4DN-E*\4M$M_B'CPGQJJJ"TT<^U/HZ9?/INBAQ,87$5)LWQ>;P=?&9VQ']
MKKW^(_7(VC%N^;[G>POPNJ"6XW7GRHGA.DU18ON]]X.KRQ->UY98VDK,[;FW
M8VWDQJUC'N.KP\7<6*HL\"')^,2;-VZL=>O79>K7@%SRV%K_`,NXV9USR#SB
M@7DW2C7/I-CA2J[0@M^L;@ZL6<JR-CF31"-`<)ONH0IQ,=4?TAS?R>7SV6WL
M6;=R[!0N75K<YP4U/2]4W"-91BY.,4WI2RK7F?+%=WL-W?O79PMS<X6WI4(R
M<7"N$5)TC*5%*32JWPIJ8+]W?RF-S0ARJU7KJ%[K<OQN->)T22:(5(48%<8F
M&ME*X,BS*M4`3,BQTN*VQ$ADY#3STEMA*YJ9+JEK5MN>\^]>[6\LV[-NZMVM
MRZ*33NI4DZ2D^[+%N*:I7NT1DC[N[1;9[6Y.[.T]L]OBXIJW6J55%=Z/0WGT
MIGJ1X%PB<6Z%[%Y%]ULW5KE=.&="_*V63R=!FLVGQ[GSI=!<K%.%\Q'<U@A7
MHY%YDE`=#OL3=O.O[]DEU3N1>\<H.W;M;7;PV=NW=AY:\RDHWDM>J3N.;=4G
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M4DW3O(^[P4.,KH<37PD)@:&!#(`<0.BHTW&@#!D5J%`A1V]?0VQ%BL(;1K]1
M*=:S^=7+D[MR5VXZW)-MOBWBW\9^\A"-N"MP5(1227!+!(D\X.A@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`<1R?VS)_=#_[*O-RR,SS
M*.4@P!@&K^K]6$<C$5<D3KMRMTZZW^M<QJ=9H8F"8L9NXVYLFX$@LL%"X(9#
MAN)$O;?ER9;,>*C7O=4E&E*U&Z%4=1S9)\S*E="@BL<R;L(\M+ZCR,>).64,
M#^SG2>9EO)&M\)Z4?HCL8V7(HA#34]V`ETG#%S-IEQ9T1IZ*\T_OG57+X8G>
MAK/A^*I.!_*X+'JG$W#\*UE)';*N)55^IQZG6:I19UQL\(^[61<JH3NBF[P+
M=G2PVF7_`)2(7&CG7XZ9<UKX^O;=6761PQ?4:NYWYG3[CS?QYEG!=HY[>K*U
MXR6WH\CH=3"`AEPY5U6O655IZ-2V!9@XV,KDBQU.:C:)*!Y4:A#2G(;;4AA2
MXI52XE<*2=,L3IKA7D?1?(%NP[J0JW@)=?&4BR[&748(&$2U'Z8+(F.=WH8R
M&/6!M`*W00TSX3$Q<0K#>B.LS8<9W6DJJE4YE%QS+CKW:9W*[EP>JQ><V>[L
M=HZ$>H\TS7YE=C,4>."YS;^@.FB,<X:$O$4N,51S6VF-*VF(W)=UM3S;$:36
MZ-+B%&J;KD8-4_,7F-LI#E_16^FUT)OF_/\`KH^-::N-&FB_.^HW:30J-8H0
MR+8B"V$G3$1;R8\M<:4U!VEYQM.U:1DU*E2N#3IAG3XB`G^8\.4,H5BH7%>K
MWVJWOOY'A(T_`WSV`@DZ!@="W8;37Q<V_-F'6!Q[GDJ"D>58$$E_2ZIA"=LZ
M>:OBJ%#BTL*DJ,\W.$%Y,N(/GVAYV+SW@72D*57M,LS@?D;815:HXZ`^[/2V
M_8P4P^/>L,/>T[#Q)[#JU+TOTTU+X=8=N2^7Y")C><G,Y,`5*1SSN")]P5S&
M9RZN.4D&FP]=JO8S92N<[O%$B:N.XC-9,&!*D2=&GPY`4S(C/SHL=E]"\FM=
M8\M]7S&J-^=-F19@A<KPSK8BE"Y7FH'N-6#B:%:K/*@>,%PY^&5TAN<S=XT$
M8#!A9A=PC!U*^;D3W$1834]6F%N-3X<?D.O+5,U7#Y3K2D^0_..A6034ZNZ=
MEF2TSJ\5++XG49L='X^1IXZP%BRE2MN01)W\H`5\*[M"E3XQ%I>T-?KM)JDG
MD<.+2J_A4K]O[I7>!5^%;;?6;H6JFW)3E@L57C5=\?31<'<3<LN=;L5KK9`B
MEMJ5MUN`&8*EI#,=];41>FM^M;H(Q<G19FJR7FORD$0O+-AK/5@0.E2>PB8U
MQGT^`Y7+[9^%V894>@5+GJ(%BFV$T=0<-PV1FY(^##++?VB,^MQEY#<U(NB3
MI2F-/E,R\?>L6OJI3OVK35K/1M\][0Q00U-N@@$*M5<'-<@Y3;)D(P[635C!
M&MR+!:YLF/.BD)C+L5]M*7/1'M2BZU[22225,:K\9J+^TO:`'D'W.HGZAUFQ
MC`5MY3R'B',*?6>6ON]`MEBY9+Z[;+((.$+>,,;EL`($V6^X<(!PT$+$:TEK
M9![V+FKO-'6E:4ZKBS,*OYJ\CN5AJX6OA.F215E5R:+*O$RI115,IIOMA`X#
MH-6NLTB=C&!-ED62M3QD^,S!E)&3H_LD+0EUE;E4D^)';DE7#I^057S0YAT"
MHAK;SJK]+N^SM>NEHBUT>$K($Y`#T;I@WE)*98W[O<:M6:Q%)6`HB7`?GD6&
M)`IM<GWI]$MJ:D\AY<E@Z+X5(V'YS<E+#FBM>J?7+'`D4GEMNBR15/$Z:F&.
MUW`ES[E_,83A"TP6IG3+1=0LZ#\HTI8Z$F&[)E368GPWUM2'ERZOZ"TH'E$1
ME\7[YTVV`YRK?SKH7E`W4N,EG:A4NG$:MQ0F50/JZA"K`X/GD!\82XB43CRI
MD9UG6Y"'7D[1[YJP;Z<2N&*2RPQ[2"Y[Y@DB_3#M=O/.ND5FNV1?C?!J!%VN
MU26`YM:.X<C^U@RGWT\)MC\XH2L]GCNIANP&",>(T]%3,=AZDMZT4N(<,*JG
M3\C)NC^9E2L35+KR@G1SI,Z"Y$/)=6B\]&UOF3%][9REOIO.!DL?)NYFP"I%
MN'^J=Q8K1:.'E.-1YDM.GF7G;J1'!K'"GY:&(<Y\U@5AXCPWJ!<R4DP"0$?O
MI-N%\]02JW0;77O&*]=MZG7^;$8]C#MQ5TV=292)A&/$G#4E(RPK.EO[D/08
MI8)_#(K@]37Q?'0V0,\SZ28CPH<#EG='+\7-5L<`Y$Y4JHQT@\%MG."/70UU
MAPW;VFL0JNKG@>7,?U-*Q2,65'W`=B)G.,QW+J774FA\53X(Z&YAT.O=<YQ1
M>IU))5%6Z)50UQKR#@YP.:0(.PVYT%!<2ZMQT820P[K3T=:MK9<]4J^G6\J=
M55'+3BZ/-&=92#`)>O\`\/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8!^>NM^OIO6_3?IO\`Y-^FM^F_^+?IO`/W
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`<1R?VS)_=#_[*O-RR,SS*.4@
MP!@&O[YS^)?)?,IDHI+&.<PZS5.MC=1&([Z2A2I#["/BAYWQ]Z^"/EIL*UN.
M-_XU.VDZU]&]Y&JE3I7K1S/SCPDI?,ERH-?,UZ/78_1Z=T.LH&<>Y_7>@#T5
M+LL3M2*K<>KAFF+-TH+(-0T#V%D&VI$:"A"G%2I3>G]\J*78=NXWGPX]5##1
M'W?5=!V*B&(/4RCH^F(XVZ]$*\YHY>RE)?$Q1$*`@B;_`#-*L-)I1^,1W)*A
M!NDMR"B=RD/HT_)9>:,:U*[KHU3.ORF04[P<'"1=0%]![!:^IHH52Y%S.K2"
M%5K52?:Y5R-BV(BU0Q]G7=I+';<];W5$S2=1G?APXJ&([6T.N/-/$CN<%2OX
M3(>$>--K\=2%#JU'LW.)'*Q@PL.O#HKBG/N9WZS#:S5(%;Y$)/E:2/0U<S,&
M9,FD#!U[Y!YYV,TVU%2F7*]:HZ<%D24]6+K7M^,W=U+ECO1R/+#4&U2*F8Y5
MT)V\CI*`D*P1#$4I1KESFRULA`F2X/R[9>KWF9IB:T[\:#+0T]I#J4J:76J^
MPB=*]9SD>\)$3ZG0Z37>U6NI5^M\1X]P6Y-LTVJ&R'0*=Q"YPKU3Y34\DXC[
M%%YY9J3'*+BMRD28$U3;28[K;<C7+CT5.O,Q;:QJW\9.Q_$B>ST&Q=73UO4.
M_G>T<S["F2`Y14ZU4/FN:P.A`D,'Z6++)BVBZ6^K]+FP2]J=DL$9.H(U?PO;
M"TT[=.->DFO"E,*4S^'Q$!6O`;F=:L=).MVRUD(=,Z]V+IRP,N.*1!L0#J(P
M2.KG*"TB.TW*;IO'UU<*^!<9VF5\42UMW?Z]>30DZE=QM>SX?&7M0\+(P(IS
M0M9NPVJ\R>+)XY7N5[F52L`%`.:<4.E;``IAQ8E:_M2;L$J;%;*GEZC.O,BX
MVFHC*MOJ>:?D#N<%G7Y3(XWB9`;GWMV7T4U,$VR-Y800HI%;#Q'ZK!\O)]=.
MWIEPJB6ZNR.UJQA'I`IQUF-O4>7\N]ISX*7EW3^/Y2:^KA\A8<%X5(H_D!Y!
M]1?%6,0',UCBO)*0W870VFSK?-J0/%=#Z4"'")L]P6,Z--$5^.OYI3,F4[6_
MC;8;;4WM9*C;$I5BEVLN_)KQ'&>29(<2E7Y^FNL<WNW*YZ7:!3NAI;KEX)@C
M!`W2TW)#K'/^A1Y`!N-HY$;>?<'/.,;0E:6'V4HZA">CK/%V\.*E>@#H`E=K
M3!1NR>1-NAD1D(0B>,L/D!;Q][01A_--RHRE\WM`B+('(=0XW-TS[)*=I4K6
M'&ORA3:=>SY#;G'N6'N;+Z86MO2)_4;=U?H?Y1[(?E54+2Q\$@FD4VBL@ZY7
M`DF<P-K\,92H[C*'I,J1IUYSWO.>NMY4J$E).B2HD83<O'!PY>"?4ZAT@I1.
ME[Z54^G5:P+JP6W!JZ2KO')O#2H(A5R4L>S9Z]:Z64D+D(7*B2(TW;3K+NM-
M>U<TXU684L*-84_'4UU'\&:=`Y%UODPWHMWA?E8I'-JZ[>=1`2[;5KCS4I8K
M2/ZH&VB,P+=M9*_65XVXPIEN&Q(0EEI.F?HTTJC1UYCU*5%@R)*^`E&65MAJ
MM7.:%>,W3B=SK->L-*K%_P">5/?&*<2J2:W-HAM<2!<ZS=91=XY.8F/-+C'V
MHLQA>EQ4:W-""N/"O17Y28J_A&"J'.Y%*$=0M'UW&@<+<J]XD5JJZF5NW^/O
M1;GTZEVS[,P6(%<(LD#UR=CD1:6XL-P>UMEC;'Q/<W=.%.SY`[C;K3#'Y38E
M/\8*L&HMYK=U+L]*N?02W;C!?K1:E5`-=0SW>OK3[7CZ4[#A3=U0)`:+N,PH
MK+R]?+H0B0J0K2W'&G#K.7)UJL$J?(1%?\6&AXV(U8^D%;,=1</'&YD3D>JA
MZW')$/&RL0*G78Z`D:>28'QK,,&M*G^Q]S;;WN4SZ)5I*2C1%U]7'Y2SJ'A_
M6:?6@5:B7BR3&05I\>+4Q,?&BFI#\KQVY@(Y>#BN(95\-MFS#PZ)DQ2?US#Z
M]H:_6:UC2'-MY<?EQ,!!^`-.K/-J[Q\#TRX#^:U0<1U7*I]3@WH5>LMH\>^D
M\`Z`?KJEKTH*,O3?1G;1)#-Z5`BV-E]V-\-J?(;3-&%.@Z\RKU4Q_+7\AZZU
MP$K1CP;M',)773G40KG/`=>5SJG<QN$L,+IG&K=R,B@M6>BW:A!B@>[ACJ%/
M2$S]/!RS$.2EMR(W)0HU3%9D4DUI=*?E.B_&B@6+E/CKPSF=P?;DVVB<II%8
MM+[<IB<ARQ"P,-DU_P".BM,1)RD$OB)4^RVAEY6MK;2E"DZUU%423.9-2DVL
MFS=V4Y&`2]?_`(?"?QN-_?K.<R\+["Q\2[3LO,1I&`,`8`P#6W5R5F%4V7,J
M.INS2)HY#7R$'1&3\!R4A,GVQE1Y6E)^%O?KOV;]NOI]=9U&E<<B.M,"SX\5
MMIBJ/2KGJ?HNDS-9;^L1Z1DCY)#$-3'I'3&B:VW[UK]%^WZ=^OT[],LTD\`J
MTQ+7R#2;7P/MZ*UHLJQKY!TI(!(#4W9U1M5,-:%:"Z&__&.RVYVV_EOE_P#'
M_&]OL_7>F<'2S1\LP%V\DJM;*O5?'?=JK/`KY:0$:FVKLM?ZH8@1[7%KW)AM
MJJHR-=*/<;\#YW87#AZ<,U/^I8[YX1)7&(,CM*;ECON].9^67N'FST&.V!+5
M.92:K=.:]-'201*BV8<;L1FI5VR<WZ."'/BZ189<,ZY9JG*L]1VLD!:GCC,1
M6GIT=/L2%(]&8+^2_DE6)P:N6*Y7'FH@E<"M/L<QOQT*VLARX@%'=FE<UIM)
MT[72#G2]]0J%)#F)\_X9A4'WJ<TN(S.99CAI3.B.H]H\IA,WC+(8`4"6RQ\K
MY8>DT$3S.?:`=WZ?:;)"%]EIU@MNXY)KGD/C]-<49A;=FP=RWEJ^*]+:CN1U
M")1]A)<+[OV;IO1$FSZK:&Y#5:`>,FXDOBU@K,RTVH7S/Q]E3A[$BRA(A_38
MBZVVV::CP&-.3I<#<=#BVX3J'!&DEUG.-`ZMY7<V<@(N],ZF!_*AV'GO9B=?
MD1W^FVDU6^OZ/B;KR7G9!L%;:K0X7-+$/#3I(4JZ'D-@9$SY27%D)3M4.FD_
MB+JL=P\L25EHW+*L+N]"%/TWA]7L4XAR::6^P4]TOX\C[1:*JLW1U"&Q)NLW
MJR:CK.'S\AI\.Z\[`AH@/HE4-1S-TW7N'DV/Y_XQ&H8PZ*MEQYLP=M8H?R<F
M=;N_9F2_+X([D]G8T/FN<I!6H&;L4Y^:XN"J$H?\34MMF(^S)A$E5G,@/R^\
MD38FARPW2SYY%SI4ZVUB:QXU$VGKOV2'6!!-SQ^A#T`/B1.=LEYL!E=H0GTW
MHPIOZV2IE#C8NE&P%]:\U+Y&L@`0<O-9>=K-V*V8F*X<S!+<]Z;"H?;9BN&T
MHE80+PVQ"0)>OU5^'8/@E'IZY_M;EN:G1TQ:*11,PN^>3MB(TOF-4-WKYR:>
M$1#_`$Z=P4@F;&Y]8K5XQ0JO<77S52&T9L\7J=RN,E;>XZDQ'(CCDF(C4!QG
M<Q)19FNI'=?*"@,3NW6%F\BHM9HUFZ/?.90>8R(U?ZJY2.;^'%HONUO&A)$A
M7;K(I\BZM`V(I"#&W.'KCMLONM2M.4M$\/ATG1?:+GY)4,CQ8B_>K>,F$>&,
M0^IQ:=R^+<JF/M[W4>$#^E]$AP8E5/S&[#S_`)V?LA,3`<?7&<8@N.*B3DLR
M&7!RJ.IK;R"L7D5>O&OE4YT]T6MG[MSSR)KMC$UCF+^UW\PYSZUZXV5ME:V`
M(V&AD["R%CF&83<@3\$A*W#6M"_A-:%5$S/^<=2\NGO)BK<QM\F.KF@B;>!\
MFR6:D$`$[K0,-:NV"'3L&17:!,K8^TUV)7*@\VG10`.DP2$A_4:4J9"U&!I4
MKTFFC%C[;RX7V'F$$?>C[_:.B]7-AB#?(B<@H6;/]W[]7+TY(L]/K48="C`^
M2`ZCL9,)NMR$Q)4/45QYM3*&PP>/`AP_1_,.D$25(J3PSG-6AUKK5M%'>HTO
MH1R)82)"W]RD%";2@'-+H220H\H75W8C&Y<6.@:0=>6/*Z?BMMAW:=9V'XF]
M0O-GL71'.G&.OID7>=RTYSBD]+YXR&?IP&9P*CF;"A1NJT@'7FME;G&-;D:D
MOMH00CK::9CN.?+[$E3H.[<'(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`XCD_
MMF3^Z'_V5>;ED9GF4<I!@#`-==+ZE4^3B0I2TIL4Y^T6<?2ZG7*=5S=UN%MM
M9*`5+Q@-:J]=B32A2<@*"G37?:C3;,.&\ZM24H^F-I9E2;R-8V?RBYF*.6ZC
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MZ_4*&7L%C+V+GT3J#3D6DVZ.("5":<M%6C.W`U/#Q!M./+M=**BMB2+D<HDC
M`>9VQI3:_:4D\CEP:5675U\AN6<^O(WGMF*'63LU--<*SQE/LQNI49GH]ED4
MSG<CI-Q%#)5=H,>]VN([`%K(OLZ?>;4I7L:U\3+5)T846U59&/'?++A5;JK%
MT+VDJU7Y-7N=QCOQ*=:R<YX#0.IUOBUI?9#C1,HL_,A=(MH^`U%;95)E)?V\
MRA;2%*U')+,:)/!9_!FS[7TRI43G<OJ-T?+5>JCQ(LK.:+5XVFT1G#<B!`#U
M]5.BPI5F>N),P4C#V!#49P@Z1?1&2UMW?MRU2561)MT69H5'DA-E]%B`/D4T
MJME)_CR-'0>ITJ[5.]:(=9.]X$V`(1!N):DUTWIKE,9T:\299&LM*>=D.K0Z
MQO4KC\1UI[M>G'\7SETQYI\%EBF"L&;T6>LI8:/7*F#A\@Z2Y:>A.=/&VTKS
M,]SFM*KC9:Y4OH4.B%]B341M0Y_<!WWNMZUI6VN.?0/+E6A#J\X^,)-.L_(=
M(73/R*U#MD/I3'.;?(JY&!=[X1YL`HT5AL/LKKH<ZY04"FA2VM2W##WR&F]2
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MI5\"(\K34L,\1H>-:52XFY[_`-6J7-RE(`G6[.5L?13!$-3ZU2JD>NM@*[!P
MVB5E,*&UZ%,=@UJJC)#<@D0?VW&BM.(]5;4M*=UM+,Y47++H-'6#S&Y/SD.7
M(](.S9BPQ?LLDP_S/G/2K?!J%#Y-TXIS4C:KTB`%)3*\.'GHK(N21<TD?.*Z
M>5!]\1"G&XY)9G6AO+J^4N+1Y?\`*H2>M@@1HB.M?,P7:UJ-73G/1XO,7K9P
MD*HOT0`Q:!X9MJW2Z5$>8FDH(9YZ:Z/4M47XCB'$MM2JUTH:)8-Y.GRFOZIY
M7$I_9NF`[@4#T?FU+Z9/YW$U<N97RK*G"Z;XRZ[W=+L#Z-,FN`"J-+4_*<;E
MQ(L.'6H3+K;K\H@QDU8NOPP*X+2FLVOQT^'6;?D^57-(%"@=.)UON(FC379;
M[QXKP+K$!H'6(4020=Z):8DBKIG5?G#D`W'>;+3FF6W&OB[TC_PTGX5U*E<2
M:'6BI7M(2T>9/':Y(ZH,CQNBV$[R@=U]9"`)YI=/JRU6?AP%%EZ'0:/:Y`9%
M;L]O"!'VICK$20\G4%:I"5+0P_IMKCETA6Y8/H9OOG5TB](H%*Z#!#V"OPKM
M5PEIB@[4*E@[$*CFH#,YJ$7%SFF)462TA[7IM2$Z=;VEQ/ZQ:=Y4ZJIRU1T,
MRRD&`2]?_A\)_&XW]^LYS+POL+'Q+M.R\Q&D8`P!@#`&`,`8`P!@$80#""L@
M1+)C()"37R>S(*1,BLR'@Y=0PD&43&N.H4N%.4(,2XNW6]I7MB2ZCU]JU:V!
M)X`P!@#`&`8T-IM2#(K;8FM`QK=.$R`-31!%PXJ:V$E-0&)(@(EEE&A@Y]D5
M&2MEGV-J3';UO7HA/H!DN`,`@K)6*[<1#U?M8098@<F2-F21!B(S/&R9`<G#
M,C'),.0E<>1J&4@,OH2M*D_$;3O>M^F`3N`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`.(Y/[9D_NA_]E7FY9&9YE'*08`P#0WDCR,IW#EA/G@E
M?/(TLG-CR6BG1*S9[+'KDJ+%G)&6ZG.4VXT6R5KHE3+/L3Q!2*1:7'>84CZ-
M.[6CF2U*AU&6EUQ-%-^'UQ^=V`(=DBGN9(OY_MFVS-+DN]4+]GL?$R/(B92P
MW*/9FJ]+I\LT9F6IV,R(:(.$)'R?S.HJ-;5-/7@=:UPQI3JI4O`/BA>J]?*`
M0@]5K"N:U7H7&NK'JV]S\@NZGK=R?QVB>.SPL;:]6](8-4CPP9%,ITL7)GQY
MJ%L;>6PO6]72Z]7P0<U3+''Y74QD%X67(+5.:PT]5JV[KQ6B<2J'-CC5#+[K
MC\SQ^ZM9[Y2RUU`/7!1`@Q9ZQ85"#<>#.B;1(4Y+AN->C3*9I?M*[B=<,'7Y
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MNR;>2LU!`5^Q/)`?434VY-]:[EV*XVB%%24)('ASED[?)8@CO<ZY`B0FTKD/
MK7M6BC1U)*6KX_F7XB(ZOXU67H-ZN)0-T$+7^?=B@\2&]JK)&HS3-HGQ>$W*
M?:@2N=6>-9!8ZLOV\?.^J"NR`\DEB.TF3$TB1M6MG&O8RJ:26&*K3VFJ?[$]
MYER)(PKV"KN4H'7^AU;G8P;SHI#L<`9T7REYWY.$)]T.2;K-A'2PV11/J%C4
M&&/CJCNHEK3\7WM9-+.O,26"Q_)0Z][IS9[L?/C%1@6)RF'MV"F7>H6I(QLZ
MS7+OSF\`.BTPD0!.RA[9\,U9*U&1/A?,1E2H2W6T.LN*2XCIJJ/.+TLTH;\;
M;;T&RBKKTR[U-VP+/\-,V@?1*H="UR;'XY.[@M\8!2?M5@,C=6,5V!ME+\B1
M(7%>'K<]JTO)0U'&N9TII*BZ_EI\QK[AO@^QQUCD\5LCRYMWCW0N76`=:*9S
MRQ5RY]$IG**+TVE`@_2R!F^VB`[8WD]%W*VZ+9A#&)#<I;<3UF>UB*-"RN:J
MYXE\(\0K-5P$6N#;)R*\@I?"2W%[?5^O\RL%EJEH0OM%SZX&G2!@6[!G$"E-
M7V</G1UJ=?TZQ%EQG6UH6VII#FFZXYU^2AT_Q'GQCE/):'SFP7(AT`Q40JAD
MVVDOK+XY+:R,Z=&BQ_KLQ83OU0`ARVQH_P"?(3Y_R$-GYF2^][W%=)45#B3J
MZY&O27CZ\0ZKOI6K8VRC?D)S;NGU-]4.+7\+G_C^7X<Y6/G?K!*?B%G"FB>I
M?PO:REOX&VE[W\32F->LZ4L*=37RU-&UOPGM%7%`Z0/ZR$<YL69\:Y77!TFB
M3U6\^>\8B@HG6Y%`L#=M:&U03>45H1&+M3H)-^*U"<7#=0[)5MKG2\NCYBNY
M5UICC\I+U#Q-OU3+QK/`OG,PLZ!Y%@.XBN?5#G]Q#\7!0T<XOO-.@PZS4B'1
MC!.L6SI<;HDLU-?@2F`S1J*PO0]>G);L@HM?&'-/#'*G6;=\F^''N\U>N5NM
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MJ="_'4UUVGPY[;W^IA`/2^Q\>-$A?/+OS%R0]QFX2*M'9LK-52*[&"I$KKC@
ML?W0;]GY4?<R0N8+C1":TPF&%M*W(Y<9/-KXBQN*+JD_A^(W$9\5]G$D&95W
M^!'*7WRQN4GX`-2WVHWE!S:P\]V.CJ=);;W)I>CZI?QEZVF=MOX?L:]WNUUI
M_&<Z^KH7R'07,:]8:CSBA5*UDP1JQ52H5ZL%2]9&$0P(H]7AD8.S/'"2Y0T2
M'M2HD-M:VG9;^TN[5Z*]OIK56"H<MINJR,XRD&`2]?\`X?"?QN-_?K.<R\+[
M"Q\2[3LO,1I&`,`8`P#">@W'5$K4BQ;'[)_`E0HWRFI.HFU?-OI8]_QMLR-:
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M1]8VX:E;#?\`C]-B:>!L3KWF9$X[-EH.<LLTT96J#3K?T&='.@(\RHE^CP;X
MNBU-@3)=2_89$XQSR9"GRV5ML#U2([NM/M[D;C`HU,SJWDN[=>K7WEM<YJ=E
M/\[`'2QLU).@H;,DE`>AQ@E?%C%..3Y$RP2'GM?%<TTQ$TSZN*WMQ*<#3159
MS;(^\\YS(@ON5OFUW.%))FNB*Y`V[#;9-M6B!S^*+/./"&3Y*%7T=!MI6LON
MMPI,ALI5B/M8<3IKWBZ!<O/<G.=AC^>T,C`*(&56Y-1[.X["V18U`"R+WRBW
M[E@TQ*'T"LE[3`'SV&'RL@<YI_YE$9U#;3H*)LGQO\H^@=(O!*H]-Y\S5$'8
M&[-4RPZR""XL4@9R/Q]O%HILM+,0<2DMBR'8E*BE7FT?-::=;6TTEIE;XC26
M1B8S[PL66(O0QW)392`)*D9EBL0RU#5`(W-(TCBS8[H=:E%A8:5=F347N`YZ
M-'@,*BR$1)*H\U]K<=U\73UF0\T\M;+9X_=N@VRK0JA0:MSWBE^Y2%.64'J7
M8`G5!MJG`)Q8R(BSWQ!:X/,#XJ!6V)LJ+,WMF/\`-J=;TL1I&.1?O"X4P2Z5
MUQFUB41PM?*2?M04?K\>/&7=W:+T>V//2*T_(:Y5Q\RSIBQ'EL)D"9+\=)$?
M`8?1)P702G/O.<CUKIU"J%"XX952;;TZV4Q_HEC*S`HR36JY6NJ3V[)5&WJY
M\C8RRSG+'TRAT>6ZB(,GP9"I.W96V&!--%BR^G><Z`O0#-:LG(R==HX6T6"O
MR.EE+_2V1C<`)?\`H7+6[)/#;D:F"A4J[<[E?$V^ZG<04ZF8[O6TJCZ#3AUD
M55_O`!YV=#:)\E-UL.*G,#NEV8Q:18@30WB]O/4VMS6XMH&UD^:"$)8=$R5+
M>A#4P!SVWU)<TC27`TD9#^\4%OBR1E_C5L0,HA$,QV*8R<@QOL,)MEJCUNFG
MP`ZRC*R>O4$TRXY-<0W#@NLQV]?#3(^(UM8NDM`_WA)^SLUU%:\9[Q))FV@2
MWX]@M@6EP8VKJ7D":)*'2[2+&SSX<LIG>YTV/"^!!<8DM-;EK93\4--,V>PW
MWC8^ZROEN<\+Z!:&RQ4&`J!,E.B50`7/20*SUD%FK(5'N5\%*`,-N:8:CR24
M@BB-(<0TVEI/Q`TTS9E"/*WIUUXU=>FTKF\`9('=V\>J/S49)M8R3+O]+ZK:
MN#N25G79HUL;1S1"O=2D0W->Z?J"YK3K:GEH2E8FFCIU%:3YZ"4TIVR#^07P
MN=CV.Q4N541C\`G-C6VH4>/;[9&^.';*2B`2O.[DM2)<&)+?7$AN2V8KVMMM
M*#20#'GP,$RK(3GU(A;^=UZ8@O9>AU@U5'1-;K9QY`VKM56%')R)O3(LPHTI
M:9[/R.EP7=/_``_=I+2Q=-<BE!^\(D3`+!9WQVZ<.ES*A8;&%&DF2T-5W)!Y
M<9Q(/FRWJFB7>5BJM)V=.[CQD2QPF/)>A1"J8S^T":>L_6/O%:Z2EV-8#EMD
M.TZNF@(69UJ"2D.\<'(<D"(URLMBZ+'K<H,$I->>,M_)%$?--$6D+D2$CXJ%
MR$BZ#8'7O+6=R/I=OJC%&-=`@UVJC;H5:'SZU7&:Q41%7M-MN1V.1*$G9=I)
M+$A-)B#DQX^UR4H;T\EMQ;K0BC5&/=7\U&>;>4<?BT2.&M0R#S(U*)4H&B1)
MZY8^N$*A<NGT:LTZ*[-CB),672>7SX;D=Q'QY)BR!T-NHUM:'`4:JI`L>?P&
M,F,5?"-6&,5L7.!<T!62R2,VJ";1`I\2S&QC[`?ZTM$*F6>Y1(AE96#7&Q4O
M:HCZT2=LLO"Z3HWL%RZ0KI_*.-\UL=4HI&^USIEZ+W2TUN1<'6@W,I?/1JJO
M6*VV?K4:2>/3^BL2'9+\AQ$4:/D^UA;KJ'6!RJ4JSGRX?>!CJU8+K60O+"=\
MG5$L5U%*5VUC8E</U2LU;MUEMEAB&S0R#!<*!5\#,P%#H"R;7UB_&8<F-KU,
MU#%472I`]#^\%4WKI=.Y;SJ7:;Y`KUB*<S+1K(.8J5AAA*EU@V9-2CIL5""M
M$ZC.Y+/BR1L9PDRJ<XS%=E,.)FZABJ)N#D7EZ$NR>@C3L.'"3RWE87HY7H&S
M#$:D6*"TP>&W%YPO,'C@H"56+/59K!!MF21BC])VA]]I]IZ.T(XT-81/O$AR
M!T\^<XM<15:I\>;KIY=!F`F3527U[T0`#@`ZW81]8L]I0:?Y^I[;KT,7\O'F
MM+4A6TJ3@N@S$-Y(=J:IURL)KE`C[60?*OF?%F*#+O8AIBL5"_1>/1WBF[<'
M$38EB(0%7Q^<VUN.RM6W4L*5I+7O4)1?(:AYK]X>956N,5J_\>N9OK5SK?/K
M"?B4M+%C;F4JSUSFTZ5TN!`JPL@F))<F]%CO.`G-,IAQF9&U3=_#;T]"N/Q'
M0MD\@+H(Z@?ID6-75#1ODCQ?DD53T.6N>NL]`Y0/O)U]Q:"2$+,,$Y#GR[NF
M]--QT^BFU[UM>"4PKU&6\4Z7>[#U#NG/>HOQP]IJ%B06I]+C5-0R`GCI<W9Q
MG/;X%NJ+&<9OK-Q&@]?6:5L"Y80Y%F1%Q-1_E'Y%(U@FCIW!!@#`.(Y/[9D_
MNA_]E7FY9&9YE'*08`P#G;R9[BOA%*IY>"V+78.A=@Y9QZM.G0=SL``:2Z-;
M((24<-#:)"E'Y<0&(<D241VW(NY<A#;.GD;7]/,G1=9W".ITZ$JD;6?+'C,V
M33:Q:^AT4/T6Y.140:S7"=CM(CV'.@VOF].DKM6ZH*'C(MLM-2DC(KA),!ET
MVVY`96^ZEM3S4NG,.$LTL"9G^5?CP*;MCI7J0@4FD%0(6QI)AK:/?9(VJSRZ
M364!XLRNLRK9%L%T@/!X<H.B?%D%&]Q4.;>VE&VI$T2X9E1WR@X4N)37!?1@
MQ2?T@2;+4(;%'6N3+*1@).17"<VPPQU;GE*"&%6V.H3/F'(T!J"00Y&<])#2
MVM-2&B7Q$(KRCYPW61VEV.N.=+-<:=ZJ#J0Y=IGU4_)3RV9U1@%7.A2JN'`G
M?G*]!=FQV=*CEWQ#:IGR+:$KTAJ7MH72Z]5?QT,KL'?.?4+F-#Z-TVP#J:W?
M:X#)BH&XQLT],-$Z5N[$!8L<"&%3DV$#%1Y,F9+U'^#"@1ER9*VFDJ7I5)59
M-+;HC`^1^77(^@UCDRK'=J?5.D=&XW3>N$Z9HA/6)KT>S<W:ZA-&KMLR$U76
M9$"H(E%6HDJ8T2="15S_`(&XR5.Z*2?:64&FZ9)T+B/Y=\3FJCGXE[K>^;.T
MV?9-6>9&O8RSDB#=RI-/"1:I02%%CE[D`LDR]06H)`:N0Y/FRXK$*/*2_MUM
MJ7L&B7MJ3!3R>Y15=60E=[C7:]7(!:GBZR]&1<#5O-KM?-(G4/AE^?PJ=]J`
M9"%6G7R"V&F9ORX=C<R:J'Z.--M269-#>1),^4/CS(N,:A1^O4^1:)<(618C
M1Y$Y\1\F>HOY3Z^Z_;FH"Z=#78N=)6;'-/$&W9XUEUYA+B67?8U*M!IE2M,#
M8?/NBTSJE8B7.@&'#]7GO/,P"ZPM@!-3],I9=U*A1;*)#$)8V4Q(;=C2VV51
M);+B7&''&U:5E33R(TTZ/,S7*08`P!@#`&`,`8`P!@#`&`,`8`P!@$O7_P"'
MPG\;C?WZSG,O"^PL?$NT[+S$:1@#`&`,`CBH@6<AK'F($4G!<6VXN)-90^PI
M;2M+:6IMS6T[4VO7KK?ZF\5ID"F(!AP$54$(-ABH:GER%1H+#<=G;[B4)<=V
MVWK2=N+2VG6]_AWK6LK;>8)%UII]IUA]IMYAYM;3S+J$N-.M.)VAQIUM>MH<
M;<1O>E)WK>MZWZ;R`T;6?&'QZIT`P*K7':"*%GXY>$7&L@(;L"8+.ADUTH$W
M#DH?CLUZ0`3\EH<VE$%J+O;3;24;VG8M6&_&'QY0%@5Y?&^?2@XP,3KT.&0K
MD$E[0QJY`.B&8#\@@W)E3&B]\JHTQ*V\MQ<@E!9D.;4ZA*M!J9D]KXKR6]6D
M7=KESNIV>U!Q$\`/-&P\4A*;#$HA6#*&O)D(6Q,BZAGI[327T.?+HGRM->S4
ME_X@5>1XYSQ+DO(FW&^:<_K5,V_'=BR7PH]#$R8R_/?*/ZG3E[<FSEODI+CZ
MUO.+6MU>U;WO>`VWF8ZYXR>/C@XD)3QV@1H)8.P!G-P*[!&O+$Q+R;Z;"AL3
M![<:9"3!Z+9)YR.MAQMQ@K+<E-J2\K:\#4RN.\;N#"K#.M<#D])9L9)$1$XN
MH+'?ER$P]#_A^Y4C3J$J><%1G9&TZUN4^REU[;CGZ[`JS(ZAQSEM!9$,4ZB5
MROH`PI@X0J"/;T]!@D!5;!S8K4EWXLC;4H-3Q45>E*W[HX^.C?ZUI&M!5F,5
M;QHX#28\Z+5.144&P2U(1.;A`HJ?F69+]5?7%<4M*U_)-*HP5#+&MZ989$Q&
MFDH;CM(0%65!?C;P8(#OE:$<GI0T%T]]B3?1D,-'8CV5Z&MQT8N=[-:6C0-Q
MW:AVFMMI'*TG<736T)]`JS'U^(OC2Y"4.5QJE_5ZA#5?^13!>1#0#0329E"&
MHR)"661QDFA+Q-I"4H*J0G4S3^DIUH-3,M%\`XR$)M&`_.JV+(1KLKH\)Z!%
M<B(&W=P>9%R+$*C,/(BBIDZ#8R").HR&FI.YSZG4K6ZXI059($^*<B-_.Z,<
MVIA5)-R6Z1;(U\=-:GKGV`W:YVYC,AAQJ3J99+*0FNZ7I6ER9CR]ZWM:O4*L
M@@/C=P6M!Y0`+R6CQ0\_<91*"Z"BSFRJXA.6:9<+K()E.EG=%B#\A2Y*G5+>
M>6I6][5OU"K-/F_!GB,ZS<O*`*^$IU<YI9V[EJK@JK7%/V6QQ2@LU#DF+62A
M3;(J&Z3"Q%S6-O+U,;CI1[F];<^(+J?M-W5O@/&*C#'P*[S>K#8@GY'0MI`_
M4C8YH44FFA,:$[+7(>BP@Y,B^[#80I+,3XFTLI0C6DZ$JRF%\>^)5TDHL"YE
M4A4W>P+B=PAC;,9F160+M7!S(P]*OJ^*0@UQ[<'4EII#[D726UK4E"=:"K/Q
MWQZXD]6;13'.95/=3N;M2DV:NI&I0'*2Z%!KPVES7(*%)8CSZQ#J0M,)]G3;
MS"A\=:5:6RA20JS''_$WQN??BRM\<I4>9`J<>CP)L`<H;-'UB+%1`:'P)@]Z
M+*A.[@-(87):6B6ZPA+:W5(2E.@U,S`9PGC`:&L<)Y;11H]>@B5CX5:%QH"D
M5N4W-`M;AM1DQMLB93*5L(]OL;5KZ-8%68DGQ2\>401@U'+0"80,03!`F$NE
M4Z!"S#S[L]@&O1'3H9U2)3K#;T933\>(ZN,TM$=:FMA5E5[Q7\=GHA(=^2&F
ML"3+=;9+!(0]0\`18J4!H4"C30,%Z.'D1HXF.W$=;4QM$N(TAB1IUI"4:"K,
M_-<IYM8R14R>H]9+E3@616S!">)B2)9(!+'2Q$H/,><;VM\>^+GO1U-*WM.V
MG5)]/3>\"K/P[RCF]G&V,0>I8`H.MMB'V^R,28+>]E[4)A!!PJR2GT>R1LX,
M@5H>S'E)6EYEJ&RE"M:;3K0E6:]5XH^-ZV`$??&*#[*O.B$PB_J*-M^*1@N#
M9$:<_)WK;Y.3J>&AS%JE*?V[/B,2G/=(:;=2+J9,SO'GD!GG]&YI9:?$ME9Y
MPP);J"[/)FESXF6''*%,F&;._(T?2<FP'76IDM,A+TQN0\A[:T.K2H*NM2A!
M\:.`#2=A,P>142.3M;Q1^P3$`8FW22C<"VC"S3GO2I+,4A"OQQ#K+>D,JV8F
MJ]ONDO*6%601'Q!\82T:RQ"/#.<RXUPFQR%D9<KT7V$WXR[`XAMS2=)^!"=5
M;B_QHS7PXTC1>=IUM>IDGXH:F96"\>N'5EZ[O@>54@8KI`A^O7IJ,!A:BV>O
MRU$7)8$G"6VN&Z$F2#,UYZ(E"8[LB;(=6C;C[JUA5GBO>.W#*J'=KX+E=*A!
MY#\:5,@J"19C9&5$)%S#,LJN<F2\5E_6I^=(6[)4ZXX]+=6O:MN*WL*L_`OC
MOQ"NT67S0%S.K"J-/L8ZX3:]"@J8C2[6'G!20JRR'TNZFNGATVMCW&9>W=OM
M[ALZ2K6FTZT%76O25GO'[BK\FMS/R9U./-J#]<?K,R",;'2POV1%LA*[%A2A
M^XSZ!HP1&:C)B;5N*MEEM*VU:;1[0JRK9."\:N%R5T.S\WJAJ[+K\RKN66<,
M;<)N`YXPL%D1'7M;3IUW04]/AM/JUN0Q$G2&6W$-ONI4%7ET%>O\/Y)5;21N
M]?H->&6\J9V?GV1B(I1B03^JS`9+GSSSCC[45H?89Z$1D;3&;5.D.);TX\XI
M05>1M7!!@#`.(Y/[9D_NA_\`95YN61F>91RD&`,`U9UBAE+_``^<1A1&&-72
M^[<6ZO/7-^9]LT/S&]#K65%0_E4.;T3)1(6VHVW/:SIW>MK4E/TY&J_&6+2>
M/!HX\JGAE>`%4M%>E7"H2'K`SXX,H>89-:CI1Q7R^ZEY&G$R=.0DN+07K5]C
MP(>M:5I)%AU3OM9VE>^=+I\.-3T<TW7M^54,8JGAGW7\HP:^]&Z+3[,6"%^-
MO$K6_<NM6^S="WR[R1@]J(VLD,N*'*US64<KD-`Z%7*\VD0,E-:WI]QC;?P(
MHNM6_A4.<:42X_@H;)I7C=V;EUVN]GJ)[F5B&]CB].JW2!]HG6\*1K==LG?.
MX=?I5CHY`4`--FR\(+W"</+AIZ(,-^;%8D,34I2XARI-/`CE%K&N%/P+YC4\
M+PH[MJ5S84=Z)2K%6N<54`#`DI]RZZE^O#X'A\;\=)M$JW*F&VN60Q"NA')5
MH59'VW3LZ-,7$<::4VE:II?P["ZXXX9_/4Z@O''>G-P_'2P<Q(\^E7[AM)M'
M/9D#H$BRCZ<<#WWF(*B'C$,A711<S%)@3%9A3HK"XND$(6Y,-QV*IY+[?33P
MIFCE26*=:/\`$SCFM?=L&8M>*\^N!ZM62NVKF5>%2KO!Z#V4,3YQT\7XH"O&
M$E8:?P]F6KCMR'26!'SL*857"(1!Y"5!<0_[([J>='0_AA0[=W&JSKU<:YYF
M^+KP/N7578%GZM6^!66S!N/3.6,5<!TCL5-KLXO'ZERKHM>Z37[^'I3=\Y?9
M0DZA2)PQ(YF7($3]0TMRWDI=>U6F\72M#E2BL%6E?G^<AZUXR^2%%M=5['&Z
M1S;JG:ZXP)B&)W1%VRO@+PHGXYTCCEV/ER]>`&2PZP,VRD1B<1:(+VB8Y4AB
M3N*_*VXT46L>DKG%IQQ4?RU*%%\([)0*,&HS%HIEM'@NK^/=]6Q81Q6*)M`;
MCGC*,XA8`!T8Q&))C1K788;S[+"=R6HX9[X*E*=3[=M.%/AD'<JZ]3_#4WGX
MS<R[+R,+(J%U*TI_GZ9=@G4NH![ET7H1'D0;3=/&TWEM6O-_%"3-HYX)BCC,
MU"B3+<L6N?%&Q-*@Q$JRQ36>1S)Q>*K7\)U-G1P,`8`P!@#`&`,`8`P!@#`&
M`,`8`P"7K_\`#X3^-QO[]9SF7A?86/B7:=EYB-(P!@#`&`0Q^PAZN-<+G9J1
MXYIQEER2MJ0\E+DAS33*?9&:>=W[U[UKZ$^FOU<J3;H@W0I5VS@K9`44KQ!!
M*`B2[#5(0S)8UJ2REM;C7LE,L.;VE+J=^OM]/I_#AIK!A.IXMUJ!46J6>[6B
M<D76:=7C-IL1)33SZ1X*OCI)8M.4Q&;=D/:BP(CCGL;0I:O;Z)UO>]:R#,TH
M'\E:C''5&3UD03X(5Z*90.Y]5>G%:EJS62#)T";A%9$*H6*TQ:XVX1LD*`^T
M0?CKB$9+$9S>G9$=+HM.&)B\[S=\</EQ:ZWT41<)1]%L^H4!%2$BISU-KHRV
M%]3;/-C1JV`A.UXO'E1)L^5'@S6U^K#KGM5Z"Z69V(\H?'LZV>=$]=I<QJL/
MV&.<<242TB#NIBSQFR/^Y]#6I,$,/JI1;\EGXD=*QLMOW_$C/(0)1GHOY,\.
M#U+KMW7T`43`<*@$B74':^S/L$RN1!39)4MS0T1$ESBJ-2`LV,E<-M]M<R%)
MCZ5\:,^AL*/+B/[2/(B([I3U2MXFWG.6TXG<[)5Q4KY<R@>,&22#K+;9!J,C
M;S3\;Y.5Z;5]73E?+RM,O:VW@4?21=%\K.%="I@>Y@>B5E3!<0&);&2"C,4C
M`?.D:N#'#I[$Q,5V*_,/W03$86XA#<G9&,ZUM3+[2U!I=:&O6O-[E.FJM%G;
M^1L]UZC1>:56JI+C"4\VF[E>>"F[9$G"5SA/V<'N=";4EY3Z6YVX;J(JW5^U
M."Z6;O<[YQAF[%N</=)JK5X"3`8TE7'22&Y[!.QDZ^&$BV_>E+$LF\4MHEER
M,RMQ^,LI#^,EO4EC:Q*.E>@P:X^67&JYSKJ'1P=J%7D7R$16CEWCUN>T]]3C
M;7''D@[TN<M'R+*Y-?(MD=-^]3NX:D.>WT=;VH-+K3B>+7Y;<5`5-5F#VJ#;
M),NI'[?7`0M;\699HE8D%8AP7`ED8T>!&L8N0`()DC9"VR#'U?*VMA.H[VT!
M1DT9\J/'FNS)`\_U>KA2$2V/TF1`*.S($UNPQ8RILIG<23$;?4,C06G)#A'2
M=CD1V'G=OZ;9=4@*,KI\H/']19H)^5:II(OW,CSYA#DMYN-(MH>5#'%A<<@Y
M'2/D-C#)&..D2D.JALE9#4%3NI;B&5!1F%"_,7DU@IW5+]55EKK6.:72F\^@
MO4^.R5(]"M]_$T*74`--@3'A3;LZQF.C#($-<IZ-#>5(1)W(1#7I_0NEY&92
MO(J@5$:/7V:9'XC9)-7L-Q(U>\F`CZ@M?K+)L@4F3+16YYJF/*:`UZ62TRR0
M7(^2C/N?#]([_P`,2CZ,3TWY0<`7##$5]3K,4:?$VDT,)$'98P:N%24G5VQN
M60(1(L,63`-U8FJ3"E+9FH0-E*^%Z1WMH"C,$IGF?Q:V!;3:Y!Z/7J96CTH#
M]IR<E*F92XUMN]160EAV&E6&N"FYE!GN/2B46+&C(8>TZXC<:1\,72_:9K.\
MGN+)JW9[0`NPFWM\&!6@YT,96G5D"(Q%2^TL<K%:;;:VF:ZT8J!(=M;&W6D$
M(+\=2M.LN(2)1X=9!T;RVXO;`56EDKM60=A./"`A<''(DRP^M7<F"#G':60L
MKP$/!9+Q$'HC&DRFX;CLF2RSIO3SS;2A7%D+8_-[QO%<W*=(K_2J[=HC%?NY
MP`'KDQ;Q.T;HE.C7DFS`0N/_`."'/`28]]!.5IH9\$I"=^/MN5'4X&EF3A?*
MWB1]RONCKL$DBK4D5"KLYB<A\@6LQ0T>"[JT>IMHW<4$8#E;EOR'7("(S45E
MQY:TM-.+2)1FT:#U+GG48YR5SVWA;='K9IZOFG@TKYAN"4999DZ:4K:4:>C2
MHDAMZ-);]\:6PO3C+CB-Z5@--9F?8(,`8`P!@#`&`,`8`P!@#`&`,`8!Q')_
M;,G]T/\`[*O-RR,SS*.4@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`EZ_P#P^$_C<;^_6<YEX7V%CXEVG9>8C2,`8`P!@&(W>GP[
MS7WZ].ERH4=^1$D*D0],[?2J(\EY"=:?;<;]JE)]-_1Z^F5.CJ1JI;T&CP:`
M$<!CYLR>PX0D$=O3=,:>TY);CMJ;UJ.VTCV)U'UO7T>OT[RREJ=0E0O[K4`7
M0:;;:%:(SDVM7>LG:C88;3[L5V4#L@N4'*QVI+*DO1G'H$QQ*7$;TM&]^NMZ
MWK.2Y8G)!_P]/76-6&+[WJVVJ2$$SZ$<+.T^F#2MUY)..T"SKJ)YZ#"3$B6=
MXYSR.N0>@,1%NM392$16E;CN1AUJX(M)O@U77A0T1`Z5;H$9F@5_F1?:QM?F
M++U(%RA?+=MHTY";0-*S&V8Q'<AO2D-OLK;2U\)W>DAJ(^]>!H*UP&V`O5KE
M42>J9.YXX7C!ZJ9<W4CD?ND&R1V(14:Y"9*$8/=YJ6).TK3%='QE_"<TI]#H
M*5#*:#X5TGG5$[YS\`<?CC>WA[;74GV@0QNY5@!;95[*[%OGW5R$VEBO&^BD
MGQJ9+#3;+;GM<0ZXM]]X')NA)5CQ,CB9]XF6#I=BLS%JIG7Z>&@)!UT*S44>
M0=N;Z+V4E">B17Y1=^P7YE$P<W,6X@3%1J*GXVMJ=4%35<7P`;U.%&2?<[F3
M/R"%*7T$M]DZ3"5?`?-"_&BM$")A1QOR565!WP\6W/E0T?$GZES-ITQM<;Y4
M-1DH+P:#U4M6IE:ZM<1@N"7Y$2N0=T+4R'VXC<,L-;MG.QKA"4+5*KK$8\#?
M7.<AZT[,9FJ;UMK;;:]!JJ5K?X20++>2MX@=5LX)^-=I73^>"4@*V2'T7HQJ
MW<UN=G-ON28[<ZV"#)7ET/2!TIUM,1J=,TAW>U1-PPU84,GKOB$%K7C]<^#0
MNBV]W5S:K3LB_/P*NJR0#-7I7/*=`-1AJ0R:TX^]OG,6:ZRY$5'V^^ZC2$M>
MQ"0U8U-22_N[PABR-62Q]CNAQ^0_=3QJ*^"K28KMSZ%'ZA'MQ6L-.1Y+5+KI
MA74Y+[XJ&C>Y$F!#<?DO>QS3H:B5#_=^UN"2Z(6+=7O!\GT"O7VJRB<P=7D%
MD"KQ7++67)Y@JJ'(G6BT0H%F6I<^6OVR%,-)TRTRGX6!J*1/[O>G'I=0CV6[
MS;74Z)NZ5ZL56R50'.8@<PO%EKMTETQ9",[!>EG*Y9ZQ$<#GG4*EQ8Z-)>:D
MR4HEI#4S857\06`_+KUSP]UBY6(O;K'SBU"+^P'J0`_23G'`G.A'+28$?!$/
M`94RMR^7"R+_`,]'DL$)NY"7&M1'4Q6PU8U,)Z3X,2NRV$59^H]SME@*0ZH1
MKTO4"JUH5!1-GU;IM,<)5B$_LJU3XLP%TM:I\:-[UD9HN$ZZ]\-M;"P4J*B+
M+HWW>E2Z5;9Y\SU.]LAB)'H)W5:1$KTQD+8+]OK2I4^JS2$"3JO1T.=:==EM
M-L+<*.AQVI#NV6G67@U$;;?N\V+O6[.+L/=[U*-WL@9FWDJU6ZC'"6%NP2^O
M3)D9RFMP]!]I"O\`7WW@NY2INA\L9#D.)E.I<4X+JZC>=9\3ZK5QU\'1+599
M"+[S>Z<VG.OH%)<'CKMT7JG2)Q.#\*$C6R,,EU:5':^)[F]L16=J3M>UJ4(Y
M5=36MP\#J[;9];=7U"YQ!`6[E+W,!.P`1*#-,S;U4K]&ECFYD7<8&7CD*DB"
MX00R],<$RGXZ%LJ7\7`U%4GX*@5[+KKO4+;7EVWE\_BMXTH/6B[-AYJ1Y5SO
MF#H^,U*@M?4E@B_DVB$8Y!E2])>ERF7&'6E,:8#5A0O[EX1@;0>L5C@=&LU?
M,6>Z@[C(,1A8:38*U(#SWIOS'/K#IN(5IME<9?7&;*-./.(B.O,.-/,/NMJE
M!J,]\</&`-XU098.I6%N97'FWH>H:JJ%'&"`X='`C*-JS66/MTF?)TH"*DP6
MGM?+,2&INU+CI6TC>4C=<SJ3!!@#`&`,`8`P!@#`&`,`8`P!@#`.(Y/[9D_N
MA_\`95YN61F>91RD&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@$O7_P"'PG\;C?WZSG,O"^PL?$NT[+S$:1@#`&`,`8`P#\WO2=;4
MK>DI3K>U*WO6M:UK7KO>][^C6M:P#"J+TGGO3QLTSS>\5.^B!Q-\-.*T\^+L
M8V,5C-,/OP'9PF3+BZDML26U^WW?2A:5:^C>MX%&LS(C!L/7A\LL=)P1`R!&
M>F39Y&2U$BQ8D?6E/R7WGE(0VRRG>MJ5O?HG6_IP"4P#PXXVTVMUU:&FFD*<
M<<<4E#;;:$[4M:UJWI*$(3K>][WOTUK`/>`,`8!B3M\IK"[0A^S!X^Z43%!K
M9N1-:817RIR`'*"(!-QW:&XTHB/L$)UI.]^JTRF_3_K:P*$K*L`2$;$5N63B
M1SI^(7GAA3CFDS"4,#L=HS)BM>GJXT-V6C:=W_ZOQT?\>`3&`:F>[WP^.W>W
M7^P<R:1RZ2W#Z1MR\UI.Z)+>).AF(MM1LE[P$B0:8<A-HDZ;4Y,;4PG6W4J1
MH6C+\/V;D=A-UJM@.G4(X?N5;:N-3#![8#)DK)4W_K'X%F"0X4Y]\D!D?5$O
M3<MK2F%[BO:2K>VU^T*,S&)80<XV8K<,I$D'J_%$338IIW2I@R(>^L/J:1+:
M_"TT2^JI/PM_^M\%7_%@A,X`P#$2%^I8H.1L!"SAHH00=9K)0FN:RJ&/L,@U
M#KC(:6ZVI>F"*SQ!B)\)7HK3[J4[UK>\"A)%;/6P4B/$-V`*'E2X!@K%C%"D
M&`_)%UYEB2>(QV93[3CT$)'E-.2W4ZVW&0XE3FTZ5K>P(-73><IL56J.[W4-
MVJ\!W[#3:XFQ"5F[2`C1MS'S8`8F7N85$-Q4[<^990MG:-;WI7IK>"T9.0+,
M`)FSU<'EH<L[5]"E6$6P[I<P0DY&=FB-S6O3U:^L(K*W&O\`^9*=[P0O"948
M&C(F%I\0;$=G"QC<B:^W'961-$H@81"2XZI*52B1:>S&81_UG'G4H3K>U:U@
M$A@#`&`,`8`P!@#`&`,`8`P!@#`&`,`XCD_MF3^Z'_V5>;ED9GF4<I!@#`(H
MX=!U<*6LMF-"*W7``^46.V`^2AA@845!:4],)%BQ%Z-`'0(K*=J<>><0VC6O
MIWG=NW<O7(V;,93O2=(QBFVV\DDL6WP1Q<N6[4'=NR4;455MM))+-MO!+M,8
MYWU/F?7@+MIY3T&F](K;!!X3)-TBQ"[(.B%8S3+[XN:^+DR-02+3$AMS;#VD
M._"<0OV^Q:=[]MWLMYL+OD;VU<LWFJTG%Q;7%5S76NG`\MMN]KO+?F[2Y"[;
MK2L9*2KP=,GU,SS,QH(6'9*Z0EV2!!/!YDZFRH\&W0XQ&*])JTR6&B6*+&L+
M"'=N"'I-?(,3FTOZ1M<1Y#NO5"M;STE:NPC"<HR4;BK%T?>2;B]/'O)K#I5,
MSSC=M2E.,91<H.DE7PMI2QX8-/'H=2VU<*LNGJZ#'/C)M'U5W;LW:1TE)(-)
MJ+0A9[=B@RX'S"9XMP*C<EMQCXFG6?12/=ZZ];Y%[[1]E<9+<Z]&EX-2KITM
M/)UPQR>9/.LNS]I4D]OHU:EBM-*ZDUFJ8X9E^"-BK,#!V4#-;)`K(&$V$&29
M2ZADB%.#XY42090^VT^AJ:/EMNITM"5Z2O6E:UOUUG-VW.S<E9NK3=A)QDN#
M3HU[&J'5NY"[;C=MNMN44T^*:JG[42F<'8P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@$O7_X?"?QN-_?K.<R\+["Q\2[3LO,1I&`,`8`P#6W5ZV;M=-EA
MJ^IM))V:.>;V[+5"1\*/*0Z]ZOHTI2=_#UOZ/U<ZBTG5Y$:JBSX]5;!3ZH^*
MLBFU$%F9LU.VIJYZ?EGF(:&M?&7I.];]S*OUOZG]W$VFZH)41?\`8:1-Z9R/
MJ7.!I;0$C?\`G5VI,`YM#KB0TVU5HF"BE5(86T^M(]^>EW>D*2O>D?K=ZWZ;
MSDZ6#J<)=!YGY-])C<:6,YOKDSU"&.4Z&`K/8HL"I\\M@^P\IGA^QBXE7<'L
M7BB#:H`L`>"&G0VR&V)26'A[,>=*7''2:1J=7AGW(3"ILN%"GFK0#HKL,4?G
M=JM9`O3.IW3@P^L]%O3)8^:?ER8A3H%>80\AA2][V^B4Q'3K3V]0:E["6LGC
M3Y5U(4;>YQ(-V"79ZC<(1@-)[K8X;CO1[Z"\E*ZJ[_6UCG3TCA]98M5)5MN'
M[5L,CT;A1]NP4)70G'I,RJGBUVV7QKS6H?535@OUD[36K[7ZW&-W%E-&L\TB
M]TR353P)Z(:EV&I2)H:RA1!),AD<RPT'C,LQW68WS$@&U54,BYWQGO=<-=I,
MN.D^:,F^8=C%B;&5Z>7O,4E8;99DG>"SH=4CRSD>H[\<.=-JK<Q<5M*B+V_>
MQ\ZVA,A0-K`Y3XWQ[K74P]ZO%0#7>-SX44&A*?1YGD3T`A%M\*%(\77^QCJM
M:2)EF!,@=*"4ZZB8I%UW4>)-)RV]/1-RIBVQ6TL.G^DV4+\5O,B.8J2D7\I`
MJ'Q`+!@`_P!CM1,D`J/6"RZQV"K;)/?$58"W&>5<[JGV;(*=VN48)%G6G&E.
M./OB5C[3=71O&?K4[LO3NJ\\GN`2]ZO%;]2L:_V$<U)Y\&Y5S('J',K+,O0#
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ME<[&*N5-L5H=YWRV^TB4`!VD]V7R/ZA$YN7!F(@HM8B8B+UD7%8*C5M"VYRY
MCJT_+MI6NAM-4,L\FO'_`+I<^E6FX<YAN$!9^L!0@..*Z:1YU.`=%'URW0:-
MU<M)&.1'BX7E!\O\RL9M<A<G4[X[,:0]%0WL$U2C-('_`!.\W92[S#']5GJ#
MRX%D@U_6^H6-,Z:(Y6056.,B4L;<CL"R'7N9]&LRK*]\=&F"X@4IYUS:4/L"
MZHF^J'XU=8!\1\@J_*L%Y=O_`$7F<"E<[(V?IY7[0UJ"QSED=##-S*]8"@*D
MS@%KGRV6IXB0]+<998><F2'4)=P34JHTSV+Q+\H+1-M5;YJ?E@(9V#9@59NE
MKNV[6`Y:!A=?@W;FIJB5HF4>)KO0UB%&458)1)@^>-@1FFY<:5&2F2"DNDW=
MU7CG925$XF2J?.!Y6W5+E79N1VFC3.J*GN#I76JB)`-7%GHMOCR)]M#C3E::
M?F.2]),R(4]3_P`%V6TJ*X(FBY1S'N=(N_$;+SB@NMF*#S?7*NIE7>BUR-3>
MM\PYN+N4>@5F76I<662%W.9<)\8R`)L-L:#1BY*+.D.MJW&="JIB:Z\AO&[R
M"MG<.H7GDD"17Y-LJM?;&]$A=;)UMF>*K7+>C5^=S`C3(CJ&HQ"Q7D\&EQ2_
MP74,(B*><>:7#C,R!4U2C(P;Q'R[(W^5;GH)8"FW%#)4\Q8^OZ-QJ+6M^53G
M3JQ5.=;`%-?(&B/,Y:X=HC2(<H4\Q&BQH$Y.F5MR`JJ4^&1B`KP[\G`5AY7"
M3>^BQ^=UUVKD"T*I]>F%;>-O:*#P1-NNSQWH)U6IHX]9Z;;H$O6_K-[2#KTA
MF"KY^0XR+J7M(/7C'YE?9J`&$QB8MMOGT.HGEGNGH(F2E)J_<8]R9`A5C;RN
M`.[)V.B*EQ;S)=?^SI):HWR<\:G3T?05B=7^,7+>Y\AZ&=AV2!;;C0;-5.:P
M"-^ZIT0*?Z(-L=8HDJ!-:&00!4F&D4=J2-BQUQE,QR+9LC,E:DD(B]+:'+::
MZSO[!R,`8`P!@#`&`,`8`P!@#`&`<1R?VS)_=#_[*O-RR,SS*.4@P!@'&7G#
ML0B@<4=N/R6N7,>7OC*]UQ1CX'V;11T7W7U<[;]RO_`ZJ;72MUY4W<G_`,*E
M.D[>_P`7I6?H/=OS/M6X6WK]M^P;CRJ>+7HQT].KR]=*8\,3X?/]'V>P[U/L
MGVVQYE?#IUX:NC3KT5KAQP.>.SWB12?+_IMAYE880%E^O_=W4_N9@&Z-U"7:
M[KY@&:N+#VN7I+H]NQF.(FY<21MW:9J0TJ%ZJ2C<;>?5Y?MEN.0V;6\@Y-2W
MT[*E6NF&U4FXK/2KR35,-:ETU/F;^^]OSJ[=VDE%:=E&ZU2FJ6Y<4I=&IVFT
MZXZ7'J)P%T?H?4O)L=0AW;[>)H0KRA\O0A6#1I]93HX`X=S7QC-U[FTLO("E
MGH@`+=;86T03%4W.=1)E1%/H2YOV>5S:;79<G>ZGMK<MU+9[5IS4L)7KFX4K
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MKCM:E.US*Y-T='*U/<:9.F6BD."RKF>MC?WK6R<%=TZ;G+X055A&[#;ZDO\`
M\ZSX]-,L,0YE<?.[M%1M-^HEK(5B9T:J^0`A]70NJ\7U1Z=T2J=G&U_GU;XY
M30X8W=>3G:[5Q)BKDI5BB$4H+RX9&='=?0E"O?>;?W:Y??AM=U;4XVIV'W+=
MW7*W*TY3E=FVH75*3C<BK;CW5*$6D>6TO^\&^L3W&WFX.Y"\N_.WIC.-Q*$;
M<4G*VXQ4K<G-/O.,I)L^C_C)?`_0N0C"8E_IKDBNV>^<^M$3L9T):^D!+S0K
M@8K=RK=CMU9<?K5NW7CL-V)%)CW7HLR&TTM*]J]^M?D^<;6YM-^X35FDX0G%
MVDXVW"<%*$HQEWHZHM-QDDTV\#]/RO<0W.S4X.ZW&<X2\QJ4U.$G&47*/=E1
MX)IM-4Q-_9\L^B,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`2]?\`X?"?QN-_
M?K.<R\+["Q\2[3LO,1I&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`<1R?VS)_=#_P"RKS<LC,\R
MCE(,`8!'&`X>Q"28"PB!9\`;@2A1H$<'0RX8P+FM*8FC2HH@S(@$8$MA>T.L
MO-K;6G?HK6]9U;N7+4XW;4I1NQ=4TVFFLFFL4UQ1S.$+L';N)2MR5&FJIIYI
MIX-=3->AN&<3KM!,\I`<?Y@$YA8U2EV'G@NB5B#2S[D[3&ICQRMQQB!1>1(U
M%:]SDAIQS_$M^F]?#1[==SF7,;NZCO;NXO2WD*:;CG)SC3*DJU6;RXOB9X;#
M8V]O+:6[-J.UEG!0BHNO&-*/)9\$2]4Y9S"B,"XU'YQ1*;'!J*+"LU:I`@#0
MEPY"%#3;PY`N#%U#>-#P4)B8M'M7*:B,I=VO3:/3SO[W>;ER>YO7;CE2NJ3E
M6C;5:O&C;:X5=,SJSL]IMU%;>U;@HUIIBE2J2=*+"J23XT5<C)B(`"8F@B1<
M((*D:L2?,5@@2&PYTZMEY0N<#E%0,N2RZ^')20I.3#<?CJ;=7%D.M;5M"U)W
MXPNW;<90MRE&$U223:4DFFE)=*JDZ/I2>:/65NW.493C%R@ZQ;2;BZ-57!T;
M55T-HP5/$.+(MIV_HY#S!-ZL_P`SNR7--#J^K4>W-$2J_/47/_5GUI/41!3G
MH<G;CJMR8KJFW?>C?IFG[QYAY$=KY][[-#PPURTQHU)4C6BHTFN#54>'V#8^
M=+<>3:^T2K66B.IU5'5TKBFT^*P9Y(\-XF8L0&WEN/\`+BEKJHD,!K%F(4*K
MS#U="5R0W+K@H(5D"W)HN!79327(#;*T)A*U_B?9Z[];#F7,;=J5B%^\K$Y.
M4HJ<DI.6$FU6C<OZU<^FI);#8SN1O3LVG=@DHMPBVE'PI.F"C_5IET4+(CX^
M<$+EKN>*\2Y,1-],@K&=&+S>>U202O8]V9`(/1+=-<%*D'V7R`J+(<U)4YMR
M1%9=5O:VFU)L.:<SMV[=J&XOJW9=;:4Y4@Z-5BJTC@VL.AM9-DER[E\YSN3L
M67<NJDWHC62JGWG3'%)X]*3S2-@5:IU:BUX54:36@%/J@*-N&$K-7$0`($1%
MVZX^I@<)&,1H,1MR0\MQ?L1KWN+4M7JI6][RWK][<W97]Q.5R_)U<I-RD^UO
M%\.PT6K-JQ;5FQ&,+45A&*22[$L.OM)_/,]!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P"7K_`/#X3^-QO[]9SF7A?86/B7:=EYB-(P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#
MB.3^V9/[H?\`V5>;ED9GF4<I!@#`-8]:[3R7@U59O':.A5KF=0DFQ]:C6&U2
MW8@^38"S4R0-#1U,,27GR,Y@>^MMM"-[VAE>_P`"=[R-I8LJBY.D55F=5XV%
MMP(+::H6&V6LV04-.UZP@9L<L%.!3,5J<(+"24);T2>.)PWT.L.MK4AU"M;3
MO>MXSQ(U1T>99(M(9VY2:`RY->M,*KP;C/ALBBCD(>`*E9P41(G&4Q-AXTLN
M0%2]18BG]2GVXCSB6]MM[5BN-"TPKT$Y,?;'PIA"9M;,,?#D3YCVF7GMLQ(L
M=R4^[IEAMU][:8[2E:0VA3B_3T2E6]ZUND/41:9T2).B:<>BSHD>=$=^"\U\
M6+*81)8=VT\VV\U[V'-*VE:4K3Z^BM:WK>L`@[/9P5,'QBMGG_50^86'@HTA
M<2=*V\6*K=;'P6V($:5)6]*6PO2?1&]>J?3\/IK)D5)O(G(B]3XT69$TX]'F
MQ8LV*YIEYM3L6:RW(BN[9>;;?:V\RZG>DK2E>O7TWK6_HRD*FT[3OT5K>MZ_
M4WKTW].O77_EU@'Y@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$O7_X?"?QN
M-_?K.<R\+["Q\2[3LO,1I&`,`8`P#'1MOJ1DG,"A[172QD>EY4\2--C)Q."F
M.\B,^J9`BR7949+,A:6U[6A/M7O2=^F]^F>L[%ZW!7)PE&V\FTTGV,\XWK,Y
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M];6GU*$W%S2>A-)NF";K1-]='3L8<HJ2@VM;3:72TL\.JJKVE[G)T,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?_95YN61
MF>91RD&`,`Y$\Q?'6R>2M:XA5:[;25'CT3R7YGUFW6.O6274KI#I%4#W078$
M4$_$$&MP+F^FR-)B*<:0U[/B;VZA6D[WS).5*<3N$M-7U&,=%\0!KE"Y3S/C
M\('6J3Q#AESY5SH`:.V)*!ZYLWD,6OCWB;#9$AN,:HU(-@B19?QI\:.;=<:0
M[MUU.1QPHLD@INK;S;-$VKP6O)Z`1(#X5(K<@Z5&+(TBKV2'$4-H#=G\DBHK
ME8>]V/F5H'[%<M8ZY79H1UT)\NW/K^M0VH6XT!Y$TNGPZSM7%\/9B95.\4NQ
MM&9[]=146F&NFWFQUHW<;NBU'&A'1*VD7?K%<WV^8#2-JN!22VG[(3D2HQVE
MHTN,HE.&.;@Z:7T$UJGL^'Y3\&^&-X)6"`B\,T0M6V+#HE>9SEHLI:?V^$]:
M4V6N(NX&2%B0HWY(P[7U`,CNR)K,V&\O>OEV-;CJND.:Z/Z/Z3&87A]Y%2BJ
MIE@L=`^99YY4*BZ>&V*8R_9"%3%\[B@"QN.U08=CG'Z\JO%FU%B9DFX^J:E4
M-B`VX\UMI8UQZ*DC)\)KY8D'A5B8I#E=3.-GZ]]9VPN;M4F]6(948INV%;.-
MJU<G2!;;P-Y`")/41)UV*ZY&:G+B[C-1II8UKVG>W':1,YOSP529BH'M"&KX
MH3'%N/.#1E7,=#MA^F@X.GVF%QXU?J)6#!2PE.FHVH_P6O5I"-[[6"/.3JZF
MSLI!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_`/#X3^-QO[]9SF7A?86/
MB7:=EYB-(P!@#`&`?S^<,D='X5X.^07D#S;AOC?SB]#F_)&30/(2%MBT=.O!
MQ_RFNS,:-U>I(Y;497V>VMM+K[:;:46[\HSI.D*VEQK^E<Q6UYC[P[;EF[W&
MZN[=^1KLONVX+[/#&W+S)=[A^KCF_;_/]A+<['D6XYCMK&WMWUYVF[G.3\^6
M$XZ%A_\`TEDO9L;K%K\I)?1@O$)7E%8X)+FWF]XW@D='K'.Z"!,W"F=>Y`8N
M,FG6RNMCY%;EBJS8QDI4;;;*?FH3[#<Q,EZ-\R[EV5GDZVLN8+9P<+O+[[T2
MG.2C*U<45*,JZDY1:KC@TW&B=%IW=[FCW*V+W,E*WO;*UQA%.4;EMRTR5-+2
MDG3BFDZM5>$*\W?-8O2>_P#<:T`LD3G<#F_F@1KK]LY#4Q_*.06;@]B/@.(3
M`MTC6Y=WZ?(N#E/F1K3#GQ6V_K&3K<+0]B*I$C1_#_((;C;<OO2@]T[NU4M-
MR3N7(WDG=K'3HMZ=2=MI^%=[4WAXOG?.I[?<;ZU%K;JWN&M5N.BW*VVK5):M
M4ZZ6KB:\3[NE+';'6^T>8')BOE(3;\@ZM9A/AERCA'4"%<F\@J0V3W`G=9?0
MCE^KM@D0YJYE+`E:Y6F1E;T)6F=%)_XZ5)G(0Y'?Q[+8<CWL-G#[-.$]_>O6
MU)79/RE!04)1JJ2:E)RGJP<<$HUJM6[WW-]G+=R^T1G'96;4VG;BO,<G)R3I
MC%.,=,-.*>+<J4<TWU;R`/6RCV@Z=YIT&0;^\%\F^)<:I!_F=?@#N>#N,\Q\
MU1],G,W5:2EHC7.TD:6,A%3D3<9;(7<B,PQKYJ6Y(\WL^66K-RS;C=M*/++%
MV[-7)-S=VYM7-:,(Z(J<G&#K65&WA%+K[7S"Y>MW;DK5QRYC?M6XN"2@K<-R
MHO5C+5)QBI25*1JDL95U`GS'\EU5CC_%G+9V5/DM;;_>1GD+&@>.O+R/4>&%
M*7R*N7C5!Y_SY1>'S2XT2T&K!'(![2LE8$RZRF2VB0].UN1"V_<7*?-O[]0L
M?=,+<'9K?N*W=4[LH:YSHYQG%1<96],*7*-I1PEF^^>9>79V3G=^\I3DKR5J
M#G;<;<9:(0JH2C)R4HSU2K#4JN6*Z*\JC?3NA?=K4<WV?D(MWKMHM/A.]T?B
M)QP*-!&+M,\H.$MV"CD=E7K4`$A+"4^(PI$MPC'BQW_8\I_2%;5\OD]O:;7W
MJN6]A?E]BA#=:+JJVH+;WM,U32VXK'#2VUA0^AS:>ZO^[=N>]M+[9*>VUVW1
M)R\^U6..I)-\:I)XU-=\@H7D5PSKO+^6U[\F?B_2_)ON?<NWF^)<Z&#NF`.9
M\\YWS;A(]GG-*+3Q-7K%9-=&M8@L<.O#!6QL1VQRT1&URDIG[U;[<\KYCL;V
M\N^=N[^TV]FTKLV[;N3G.\]<TG*4E"+C"&J6IZ(ZG3NF;:6.8['>VMK;\K;6
M=U?NW7;@E-0A"%I:(MJ,8N<E*4J1HM;HJ]XU=2?)3R'D^/-KO',;=S/CM?\`
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MJLW7HO/ZQ.O(<P/[_P",_.*J#BG`B0QQZE,$+>X4+P$3HZBZ8T9EV0TB%$6Q
M]:_RSE_,^:WMG;@]MM'N]I"4(3DH-.S?N2='6.ND=,71Z:MI/5*OS;/,-[L.
M6V=U.:O[G[+N91E.*<DU=LPBM2I+0G+5)5[U$FUI5-V%^^^<]/Y_-/="5V6G
M\9H77I\CH?D3/\?.7+[@/X?KDPBPMVDCQ`,9LU;=I=2ZILK#L!42+EEV:ZQ%
M=9@;4F:21\^'+?=Z_N5;VWD7-_<L+195ZYY3N^8UI5UJ,M4K>EPC*2CK<DY>
M&!OGO^>6K#N;CS;>RA=;G==J'FJUY:>IVTW'3&YJU2BG+1II'Q2/M0,(P#`T
M>7%S(Y$84@Q"(XA$<2]%G0)S#<F),C.HWM#L>5'=2M"M;WI25:WK/P4X2MS<
M)IJ:;33S36:/V<91G%3@ZQ:JGQ3+[.3H8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8!Q')_;,G]T/_LJ\W+(S/,HY2#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_\`#X3^-QO[]9SF7A?86/B7
M:=EYB-(P!@#`&`<D5_P6\7*PF]Q@_.2+0GI42RP;E69O2NK%Z81CV^U-W:QZ
MA4@Q>)]0K[Q.TM_.*='0HCK:UN);4A#CB5?:N^\7-[WENY=6NTXN,E;MJ:TQ
MT1K-04G2.'>;Z*Y(^1#D7*[?F*%MZ+J:E'7-Q>J6I]URTJLL<$NGBS/[WXR\
M.Z4NTR+C1(Y"?<[/0+J?+P3EGKQYZV\M:9CT"Q#K!6S0@T`+UJ*QIEEX?(BK
M6RI;;FUH<<2K-MN;<PVFA6+E(VX3C%-1DM-SQQ<9)J2EFU)/'%9(T7^6;'<N
M;O6ZRG*,FTY)ZH81:::::6"::,;<\-_&YTOTXPKFZ4[[(+N8GI`-JV7IBEV-
MCHRHCE^FZY^S9VZ,'/7-^$ATF3@#HI&:_M;KKZG'7%+]ESWFJA9AYO\`8.#M
MO3#5'170M>G6U&M(Q<G%*B2HD>;Y-RURNR\K^V4E-:I:7KIK[M=*<J8M)-NK
MKBS61'P<YQ>?*3JGD+U@"%ND>T"/'^'2`_UM;8.H$SBTRX&T)O($>3'5.\B(
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M>NKG68A2%2M;#-*:-(2V(6N$G6HJUM*U_P`0\X=[S_-5?+=O3HM^7H<M;CY6
MGRZ.?>\/B[V>)G7).6*WY?E?\37JU3UZU'2I>9JUUT]WQ>'#+`W@1Y'SLQ0`
M'+RU;9*46KO4&2$!$9Y:;J)*Y>?`6FB2W24F>X7G2Z_8:O`EH=D2'7'GH^MO
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MBS:FN#\CTXEW5(&?$1UQSO"5?&(^NNN.QG(B[OK_`,;Z?6:HSJD>S]K>F_\`
MV?KF/[QWN7F/^P\GH_L_S,LOEZS5]@V=:^6J^=YO3_:9:L\_DZC"`_B!XV@A
MQ@+"Y4$D`CH_KX8C7C4\_9*[]0=\(UTOUZL0:_82Y0,(J=V)U2`_($Q&&!S+
MK*E,,M;=>^)HGSSFMR4;DKTE<B[34DHQEJLJ2M2<HI-R@I-*3;DZXMT5/&')
M^6PBX*U%VY*XFFVU2ZT[D4FVE&3BFXI)<$JLQB;X*^,9.CQ^;E:5:R]*9*%"
MCX,QV?MY9LOHT$$5LJ$LLTCT:22M5-G@`,2&X!)/2PFX[7L^4]JEZ5[1]X>;
M0W'VJ%R$=Q1*JM6E2C<DXI0I&2<F]<4IU>9YRY'RR=G[/.$G9JVT[EQUJE%I
MUG646DEI=8TZ,SK2-&CPX[$2(PS%B166HT6+&:0Q'C1V$):9889:2EMEEEM.
MDI2G6DI3K6M:],^*VY-RDZR9]5)15%@D5LA1@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@'$<G]LR?W0_^RKS<LC,\RCE(,`8!P3]XGY$=0\:
MN-\]M_)-?_26X=ZHO-""XO,'>R'6JR>KEZ.F':IS=FVT=5GLR=U=KX#&R<?6
MV]N>GJKTSB<G%8<3TM14I4EE3L*U6\P+!#X)X?7NY<^U?>F>2/+JQ?3@/B6S
M5AK0]A58I9RY&*@Y##V6:6B1-W>(N%$D+CL+3MU+Q!K3.G'&K!/I8<%JDDZ)
M/I,OYMY+N=;[&+HP*$T#`0X_05S2K+L@^%N@?0.D&>=7:L&"=;J\MX6]'*SE
MN:BM2!\G6T*8FRVMI<35*KIT$<:1J\S5\;S3/5X%//VZLB3SM!##*;TBK5]T
MF-L$CLE3<NA7N;E58AA[8ZZ&HM0KHR=J))1$B,MG65S"49O25JFI])=%7AT_
M@Z"5UYLCZ30#9R]5HY8R5:N=IJLN<#U`BH,2?J[I]RJK,(9&BO/-:^I:9%%/
M;2VZ[\=[YKV.)2M*FK#$>75X&>V_RA/U+G_,.E3>2%(`>QR.NN='KI\H1`6V
MGB>343HMLDS:R/.5@._9-6210?>/40CAM/#9;3[J6%.;TU=5%6A%!-M5Q,I7
MY`'45I.OR6.JZEOM,W@RN<_;T5H(F[CZC*Z')DZZ1L%\HJO_`&&B*E(>V+3)
M5,WJ)MC2O5S2OQU&G'/"E3`1/FB$M0*EEZ;S:PF9'03L<#61I.Q!*]M;THYP
M4&W+)S7(Y%J%%87WN&\_\-$A24#7](TXIUC6VHKMT=&\OR_,9K9^H7.!>NZD
M6"XX9SOQFH]>MMEIT:M12=LZ?]>4&P7Z7)^TQ(HPS2Z^Q'&H'#G(\-Y<@E%F
M[>=VVVEG2KJ^".4E1<6:_P"C^8).K;Z*-K7+-RRM/&=&:KA.ZVMZL56]7;G;
M,8@0H]>(CZR;:D'XX!U96;#>D1)K`U*7F&I:-2E1&KH.E#*K/RQ^91$#)>A,
M\3)DYI"==VJ:TGH]?ALV$;RVQWRH=**%9$@#MVK["6'GTI`^.MF4Z5C2&7=_
M*N:?89CEU!0ZS'4^>\)$ID:_Q"]O&(`(G:KH.`D56=JHUG0B":KI=PR(K#H2
M3'(0R32B:YL@5'#I0]M+TWV(TZU=6(\OK.B.3]J(]%LAZJ6*A/\`-SP:I4JY
M1!)6R?7,^Q@K@''DUV"N[8K@L4:IP8B2^IW"D.9)_P#CB+)CO,1O:PJ34ZG,
MHT54ZHWUG1R,`8`P!@#`&`,`8`P!@#`&`,`EZ_\`P^$_C<;^_6<YEX7V%CXE
MVG9>8C2,`8`P!@#`&`6TR9#'0Y1`A*C08$&,_,G3IC[46'#AQ6E/R94J2^I#
M,>-'90I:UK5I*$ZWO>]:U@$36;55[J%B62FV0!;:Z0^-\@?K)@<>"S?EGW(T
MCY0H*D2X,GX$EE;:_8XKVK3M._3>MZP"?P!@#`(PB:$"'13)4G`'/'":`H9J
M;*8C.%2[D280;&#T/+0J7/7!'/O::;]R]MLK5Z>B=[T`;-"'3,NNM%(#A^`,
M'&IP5$MA12&(+RBD$44DP=+W)9@$9H28TPZI.D.N174IWO;:M:`L25MJX=XM
M&+6(*-D`:\NVFV9Q*)%=$U=M<UMRQ$6WG4*AA4+&R-;DN:2SK;#GZ[]:KT`G
M&7F9++4B.ZV\P^TV\P\TM*VG674Z6VZVM.]I6VXA6MZWKZ-ZW@$>DZ%6;?K2
M"H]5AC"HIV0#3,8V58"SI<R!#*NP-+^9;'RIP]]EM[:=-K<96G6][3O6@*TX
MJ,%[@I)DH`Y1.>R*&IG3(\39`G)0ZY'&P=2'&]RY[[;"U(9;]SBDH5O6MZUO
M`+_`(\F6%!(FR!DF/$0$OPXJII.9&@1$R2,V.-'Q]R93C3.GYY&6U'91[O<Z
M\ZA"=;4K6M@2&`,`8`P",#&A%B%PS8`G`,AR+7QX!07*8G0)K'N4CXT67&6X
MP^W[T;U[DJWKUUO`*HTH,,1-3Q!&"5@J?F14S!LN/.B;DCID@<0CZD17'6=O
MP2$5UAY'K[FGFUH5K2D[UH"^P!@$9',B)90D$BDX$@R&8'2BPMF4RX0&QB_S
M>Q3\Z(A>WXK)'4!_X"EIUIWX*_;Z^W?H!)X!'C"XDW"22#$QY<<MZ9'1/&38
MT^$M\?+?'SV$RHCKK"GH,^*ZP\G2O<T\VI"M:4G>M`?LPH,'/#8Q`C`@R#,Y
M0P.Q,EQXSQ4DF#-**'#6GG$+G3DC!LF1MEK2W-,1W'/3V(5O0%_@$8@R(<,/
MUY!.`L]%&1#,D,F4SLG'$3Y4V#!)O0M+^8;@2Y@V0TV[M.D+<86G6][2K6@*
MI,F."C2!DO.B#!(F#+)E"4^0U$@CAT!AR5-G393ZD,QHD2,TIQQQ>])0A.][
MWK6L`N6'V9++,F.ZV_'D--OL/-+2XT\RZC3C3K3B=[2MMQ"M;3O6_3>MX!`R
MKA4X/U_N;9@$)-57!;LZYA>!%;KSA./'E#D&G'Y#:!BI\:6TXSI[:/B(<3M/
MKI6O4#(\`8`P!@#`&`,`XCD_MF3^Z'_V5>;ED9GF4<I!@#`,=L-1JMMW7]VJ
MMA+'NIV89=*OLV.C$?L];PK4Q@19P_S*'-0#HQ@A(0Q);]'&TO+UK?HK>2A4
MVLC%&.+<BBUFC4N'S2F0JCS&3%F<XK<`'%@B*)(A?%^6W5(D-+"`C+:7UIVR
MQ[65MJ]BT*1^MQ1#5+.KJRM4./<HY].D$Z-SBFU$E+D394F>`!0ATQU\BS'C
M35;D,-I<2V]%ALLZ;3O3;;#+;2$I;0E.E$L@Y-YLM[#Q+CEMB2X-GY;1#T(A
M;"5\(125;&OLD+H9'1Q!FT$$?!3\\9,B8C,:8\][]RF&D(=]Z4)UI1/,5:Z2
MUG<%X@3+;/$N2<]GF=AC%=V1FU<7)D*!V!LXR=&K^,PMI;!=BS$6Y&]IVMQJ
M<^C:O8XI.U$75+*K)N1RKFDRO5NI3J+6R%8I\A<NL`R(]!$>%D/#RHF0[$:G
M*D*4J8*.S8TC3BG-2(\MYMW2T.*UM19$JZUZ2.WQ/D"J$GEBN:4Y7.4S=DTT
MS89C83114U1%1;X/_MOK9<YQ3BI7O^85M6];7M.]ZQ14IT#5*M:XB)Q+CD"S
MN76#RVAPK:XT'8W8HE:&1R;;-><K[P-J.^RPC41L6]4A2VM-:1Z*&1=[]=QV
MO:HAJEE5T)*Q\LYK<+`.MEJH=5L%G$BIP$>>*B(LHFR")M3&)X-Z0M/K."R6
MB,C6XDC3L=.Y#JDHTIQ6]J)NKS%6L$\#$8/C;X_#(J8,#C//(T)(FQ@]1$UZ
M*N-L7<(TJ':XZV'?B-N/6.'.?9F2%:W)?:?=0ISVN+TJ:477+BR;'\2XZ*FF
M"0WF%(B$+`^Q*-SFP$)4LI)CCBPEM^9(<0XXZZH>?GMN*]=;>W-D..>]QYQ:
MK1+(FJ7$]2^*<@G2X,Z7S*E/3!J";4*3L%$;=:8-!1]<+Q5J92W\S"(@A$2*
MZP]\1E349K];ZMHWI1#4^)/A>?T>N6`Q:P-3!B+,?'C!!D["A(:)D!(5EI@2
M+=D[VI30V"TPWI##?L:WM"5*3M2=*THA5O#H,ORD&`,`8`P!@#`&`,`8`P!@
M#`&`2]?_`(?"?QN-_?K.<R\+["Q\2[3LO,1I&`,`8`P#6_5PEBL--EC*MMW1
MAR:.=:VS/T,7\%F2AR1Z2]NLZ3KX6M^NO=^N_!G46DZO(DE58%EQZOVBMU1X
M?;MO***,S9*-ODM%5_)NL0TLZU)T\_Z)][:_UGN^C_B^G$VF\!&J6)^=WJYF
M\</[+2JY%;G6&W\IZ'5P4)V1&B-3#-@J)@2+BN2IBD1(S<B;+0C;CJM-HUOU
M5O2=;SDZ69\GJMXS^;(22)543]YYO`*%>CVH;)F%.9OV0?T(G`I[0H_WL)S/
MH-.Y%/#FX860&C_48&WI'B&&7MCVB[[\Y0[K'I,M/<9\P2\-$2AC.^\\D2J(
MH6'FVCR8CV!RIM+Y]U41T8(>E-]/M#MAO]XZ:8"%Z]8DMR=CXS<=>GQ'R"H+
MPE8]7Q%6_P#C7Y?0(LL3SV^]FB54G=[6Z;^4[(;O-WC5EF_>1,7E4ZEKNO:^
M?KA.U.H6"BS)49RQ069S0Q"9[)-Z._$DA6/2=47VK^1LWREX87KL0SOD=4@#
M6[M:AUPW`'6&+.J_485O'7*D.]$&A5R&+&JK21WR55*R'EN.KV2AHA(8=$5*
M=9PJ8K_D+U#L_9*9S>RV@O?N?R^AV.?9'^RPK'SL):S-E\@`_)UU("FPV&'R
M.XU[GIL,'?AN#Q4YMR/\PN+*;C[GR!U@ECD9E"XAY9BNAD[]4*'U.$1DP:W%
MY3N]>2$>?"I=$JM[ZC8C/+.Z;A=&LI>]/V\-951P\YIRT.`]%V4M3(3D%3S8
ME50V/R+A'D5NC=\8Z*'..%[MPWH/.J$Q<;>,,6+T,%+L1KM=(S7>E=7DCX;#
MMEW\#<RR%OEF7=(5(UI'PVQ&U54R-3V+BGGK!K/5X(PCT2QG[';BR0&@_06J
MT&K<09KK)3E=KYO*;\CZ]IJ/&9*58&?A2QH,9#9'(DI!V!]IR4L=5C4AK/XW
M^:I2[GK'!D]8KQ$I*'@>BWT'U0183-VBQK9Y(%JJ>X_67NU<X:IE3HV[M4)C
MHB22`0W]P_@NBB:(;K4\*Q.M+KR#R33XZIKE/LEOF=DG=2Z_:RYV?TE:BNA9
MV/UR)1MB3!,JZ/KXN`R0K?R0N!MB*+VTG:6DJ:=5N'*:KCD9(SQCLT:BCZ)#
ML]_9@B_)`?9()"5UVRSK(YR"*+9)J'F[G)L,BX&P;UPVYN4+?FN.R(F]Q_;\
MK[6M456?4<CT3QM\N8$7F]EN!'J]HZ9"@%PATH:Z5"@!*E/FWOQ3/W%^'`5W
M*^LVVE7N+S6WS83S[3<J+,G_``6A`>,Y&:9%K'V?TDU%\</,I!L*,G=&['H%
M^3;BXZ;(@=;)2?FY4A^G;[\#L=TG=DBGAEN>L.S1>`3%5N4^N$IJ#%,0XJ=0
M,"L:'[+\=?,P44H8H)T'KD6C(-@2ELFM=4F]#N<&TI,W&+!L3+EP[+2-3*?7
M*U##-D!3TXD-D[?0\H(4?1*WH*Q]IL?E_CSW"O=(X';N@[Z3;&JJ3&'K3((]
MQ.V5`.Y6GE/3J]T`S)'%KRS&+55)Y0".D:PS)B1U.)>A0DZ^<<P&U1T,:LG*
M_,%^X79D-&ZM-JR^B=)+\TL[W9X=9L,*WVRP48I2;M?0$'JQ:NF.%\H""S(@
M>%AL,.DQLME,ZJN3$KGN@G'J,,.^/WE3.HC_`!V93[Q/HT-F9:]:K/8PE6$2
MX<+GW-80/F(/ZJO=?L<4_OHE8,D4[7N&$;7-0\N;M4A[3(55:E]:N(^;1!RR
MPJ[/Z@&)E)M\55[0/[E$%5ZN<L-)["RUS^2"BW!3B>KS+`>KI6#8$P9+L*)'
M;;T685"5#?A:Q.A>)\W\AZ%WI]T]]N;'RS[.]6`09E[Z?)L0.I!8G8+<9X^U
M4D[Z"9L-HL5BH9.#&-O6,%(FP8PV)J.9UOYB`[3ETIUF@J+Q3S6-NV`W<I?1
M:7+@3BMNI=9B]R,N`H'09\CQ]?EL;;UUR_3;90(DL#<4CXAR;\E)C2777!,!
M<Y,5`M8F;<UX7Y#Q:+Y#1"L#I=4Z#T.M\+KZ[@0[:T7L=LMM6E&(_7;I0K$,
MMI8ESBJF4$W9`>$EP2N.T_O3,"$O>V=!55ZC!+CPKS-K=/,5SGC_`$D^LW-E
M%81>?WVQ'+/5+,#N'D)NB2Q,NR]CJ32*T_3)=#B%FY4HK$0S$0ZL*3G)F.)%
MK$=$\7O*2ZTCI\`D2OY6?;8O4ZPQ6H?<B80!)HYJ@=KFUZ"-#C;:'KP@T3Z7
M.J?_`(_T8G,I:2E<AJ&B4E0*4:EO;N3>==JLW7)-9B7FA5\VT?:J$%'9-*7"
ME-T7R,JE/-5PJ4ZS>B@DVZ/L-*>)/QVJ_'8--J^#%>;@:GO05B;O[!S/R9A>
M-QKG/,8UQ/6E?6>GIK91OK1S\H%<YO(D=`+<G)#[B2ZO0B!QP<;<`Q7FC)^2
MJ"+<<=<B$'(C<-RG*:K5F/>3/$_*.ZV&IV#G)NSUU$KG_+:MTHQ0#0J-?I,\
M/`[@[+D5]"^F<?BR?LE>[>`,.MNG(L&:B/O2HY!IIR`^*G&F)I#I/$_-Z[:[
M7"-USHY6F7"-91:*)3NZLU5-CL<^L>0%9JUIKYPMV:>^+I+3I2F3S8_::W#<
M>5I+5?>;&J:DPJ<50S*J^._F$\7/:O/2.TQ!KEPZ%,GM4"\B:^.T.:I'=XW*
MC_--2NQDF9T@9)L]2B+!$!52KR"(2&[)B3$,R9[M)6)0`>.OE>W`=N;,.Q5>
M_6)RO5L^*:[`4F"IE&K?,B84:1,@C?0[R,W<B%K'"94Q]XJ>)0G??%8+2H+>
MW7H*QRZ#H3P*C]3G5(M=;PCIL2N7"JT*2)9ZIT1?0#)Z\12-_>O=]`H>/GY5
M/I]G"DJ]'AB7-#%1W!KV_JZ-M6W)%)*AW]@Y&`,`8`P!@'$<G]LR?W0_^RKS
M<LC,\RCE(,`8!CULMM6H=:-7.[V(-4:C7(6R-@LUB(1Q0,*/TZTQN:4)2UMQ
MH<;3[Z$>]:M)]R]:_5R99E2;=%F9*EEU>U:0TXO:->J](0I6T:UZ^NU>W6_;
MKZ/U<I"FSZ2&OCQMID,?$6S\>.I+[/QFGW(KK/Q6MK;^*U*96TM/K[DN(4G>
MM*3O6@+8G,C!F6'RSOU>S))#0[#LEMU"'"AB6U!%PM;TVKVO3I;Z&T>[T3ZJ
M^G>M?3@%PWO3K+4AE27H[[+4AB0RI+L=^/(3I;$AA]O:FGF'T;TI"T[VE:=^
MNM[U@'[@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ_\`P^$_C<;^
M_6<YEX7V%CXEVG9>8C2,`8`P!@#`&`8?T*ZBN:T&\=%.QR<P)0:A9;J8B!8J
M)QB4*JP::<(1A,)Q^,W,)OQ(*TL-*<;TX[M*=J3Z^N@6.!RH_P"=7/H$HW!,
M<T[.)GTB<,%=3'KK58+3^7%[22D".>"K%#KMS,OGY_22#3;8E%<2<]NY#7SF
MXGNW[1UI9KDQY[_%8T2J%(G%Z^=Y[-O$$ZE=+,QN=1(/,+AT1J=;OL_U22/Z
M(P415MLZB5R8AV&K2FG7MN[W\,729@:^\#YB'3)6GG'8RB=QS%A!J&A*7[;/
MS>O"NHF#?4Q"R%]@-QZC#B<>->QB=N&;D*W#^%`5J;'VH32S->O^6U:XU;$B
M2E<MUT@D*0!MPP;1@0EPS'@/@.VW>PGR16TW.M!]AA],XS-=3%0VB;\RE#;?
MS#DIIID%&I*=1\N><<G(.-&0%Y,A(5.J]XLEMK8D-)`U89?G+5"YS&,H*6`0
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M-`^N%44Z-5-?D<I%HLI\Y'I$B]A^C'!$4U5I`Q<=V*)E/NMJ6QM;6T.J#22)
M?[P'F8M3Z&>;]C,*=T8+U[0H+2O2V\_KHWJA0]TX*HC?AZ(]3'L\:-)2Q/W"
M,R%JA?"@K3.84H-+,HZ7Y;#.2='+C;34K02Y7%Y7S.[(OM:%BY,<*>OYWKHP
M:'L#9.S"RKOVH^P,.*,3"'2$QYLA6YSS#+B'$`E7M+>Y^9M($6*Q4(*/.Q;6
M%#%"^RU@$B/LUI(A54<E,0!Z[F"L5PEICVR/M]@0W(<&H6AZ=\LP['6^"B84
M0^\AX>$8"N6*L=,K<BR3QRZ\--P*-%)&J8162:1T8;&;OS^I@!#X>0A(QI2[
M3(WI'P!+OQ$^H:&7CWWBG$88C9TH%NX<4BIWNXNOE'.?09#,"BV1-2DAG8$B
M_-S6KI,//-,R`BT))5U,AIRP-"&W$+V&EFUN$>67//(0^5KU+$V4=+"5899R
M+EC>J$5*DD2I`*[$#Q1=L+DK0/'E!<AA9T6Q,K$A]I;44G(<2I.@<:'46#D8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?\`V5>;ED9GF4<I
M!@#`.9_,OD5K[YXJ]WXO15AVKCTBBN5RNN6&<Z,"((+,B)^E$R#$2>]$C?`@
MK_7I9<W[O37I]/KKF2K%I'<&HS4GDBU\G>,VSL>JNY59K$1^J5_J\H2J19C=
M<U#Z(;$5ECF5B3H,K29;M:+C93Z'G].:@N+2XVA2]_0:J(24<SCD[XB==`2[
M83K1=?.*L'K/=7JF_3;NMJ"#*VJU=[LLHT8#0:T3N,@5TVN=(",3F`RM$X,X
M"VXI+NXL-2^7%^P[4U3'%X?B)7D'!K?T&"4O8RN[H%,+7N+#HE/*7N]SHX#E
M\+R%M%GNPX1&+Q!KDJMVR@JA1HFU1&43(S6HK/LA::6XBL`Y).F;I\M#:?C#
MR>Y\]Z8.JT^*Y7J)RCQTY6*=J(TN;*5D5VX^"%42VLA"DB-$"G0VJ#R4:793
M'TO<*59G_C(9?<5I5BFGU)',VFJ]+?R'T`SL\Q@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`2]?_`(?"?QN-_?K.<R\+["Q\2[3LO,1I&`,`8`P!@#`-
M?]9H,?JW*^F<NED'!$7I//[E09)5F/\`-.C(]QKA*O/$&HNI$3<ER$V1VXEO
MXK7OVGT]Z?7UT*G1U-0C_#S@@Y\/.:K5B=+B9"2#QN1TGID@S8S,<@^8$'KH
M3D6]V==SM4,R53`4PNY-D@).D.#EQE-M[2+J9^,>&WCO&%K%-TB?MF5+-3S,
MQR\W]XQ9IMF&7(3:)-L..6A1>SNVB-T`NLCN<\_\Y)E_'=]SS3+C8E67T7Q&
M\>XC]BD(Y_IY5F;/Q)S<VS7"='@B;0*O0<Y7:W%F6!^/4ZM-C=.L"]"QB8D!
MF26??::0[[%H#4S,K3P3D=U),E[138I4BQ6%4QJ2X1-1U(K*ZY?*BH5I$0E'
M:VWNN]..QO?M.W?:04KW^]MI38)M9$7;?&SB]Z-!SMJIOUM)"UT=5&H+AZS1
MZ^4`A&S;==A6>LQ#,>O6[=6592+HITI&ENC)$YYZ,IIU>UX%65^8>/')N.S"
M!2@U\C`-EHDB&5/G+=<KF=*,R783SGUD7N5@/$)J]*&QTI4XYO;;;*&T;2C6
MDX#;>>1K/G'A3PRA<[@4.>`FW)[?/6>=6.RV.R7*>6/A=@:H#EQH[Q*T$YE:
M%-HIL%T9!@2&F`3C7N@?`6I:UBN3;J3N_$#@^FH6F`%J@SX&F7V3X[J/4!UJ
M6:8LMLMR;;*M4*XL6&7=W#=^/*=-.25$WXQN=%<>7%DNLJ$JR\)^)O"S#Y=R
M?63CL<V>M%EFB4="Z)'`ME[T#L5>OKHT#'M30@/&OL"USW#D>(RQ'*SG_G9*
M')B4OI"K/4+Q+\?X$T\09H.G)%BV=;EZEV6WSHX\?91E[%'`-;B3#[\6IUF<
MQTZP.?5@Q$2`W*+/OMM(>]BT!J9+7#QGXK?K)`M5NJ#QDD/JXNF?)O6>W,5P
ME7`.K/\`9^`?J,0]'JUC77G;F4=@/SX<B3#?F*=:<0XEM2`3:P,3@>&GCY!:
M%QUU:REXHDP7LT>'9NH]4M41^VG`_P!G9]Q(QK'="C12W:KJECF"4C3DN+`=
M7'96AI6TX&IF1?V7>(M3ZR7'5,@!,TZ.`@UTU6;G>*T9'BJYL[\B#V5!V2!/
ME@)3=EFHG07W'(I%#J=26W?@L;:#4S'"/AGX]F_FM6&JV.S(GG;#;"#=DZ=U
M`ZV0N-CK::9)NLU).XR?F+J)IK:!(DNK_P",0P]MMF"]'2VW[0U,S8=X]<V'
MVRMWI?V[,6VH!6J_73=EZQU*S21@K;X^42C-H.W`A'>39)8>"Z7^*A>BKL&,
MJ5\7;#6TA5F[L$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`XCD_MF3^Z
M'_V5>;ED9GF4<I!@#`&`,`_=;WK>MZWO6];UO6];]-ZWK\&];_4WK`/U2E+5
MM2U*6I6_52E;VI6]_P#'O>_7>]X!^;4K>M:WO>])]?;K>][TGUWZ[]-?@UZ[
MP#\P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`2]?\`X?"?QN-_?K.<
MR\+["Q\2[3LO,1I&`,`8`P"-*F!8.&L@8GQ1L%M;;:Y<QY##"5NJTAI&W%[T
MG2G%[]-:_5WA*N0R/`<X'L$54X(2AE8:7EQU28+Z)#.GVTH4XUM;>]ITXA+B
M=[U^IZZRM-9C,C+Q<J]SFEV[H-NG;&52C5@]<+,23'D2U#Z_6A<HR8FIB0VG
MY<G<4?"<7IMI"W%^WT3K>]ZUD&9K:!Y"<\:!Q[!?)OY&H$@;7B&ORPEZA276
MG;1.M<,.)>W(L\J.@M*:I\F2AO3FT.QEH4TMQ27DLBT?01G0O*/B'.:A>;L0
MOM7/AN9Q[#(Z`FJVNGE9U/W7*G;;=*B6&,]8H7U60F1:9,BQH[JDO.S/:C:4
MH2ZXT&EDF`\B.4D08HM8[E4N>S2PRPFF`%RO=`BDUAZF^Y&LIR&^+M)445KH
M=QI6WB$60[%;;]%+4CU],"C/VS^3'CO30Y0]9>X<J%BPM6A7@H^N]5R0Y$IA
M)8Q`ZUKAPR$B:NNSU&H?P9B&U1W=2FMI7O3B?4*,R:B=;HO0X3DH`='_`!D6
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M_B_9[_HP2C/)7KO*`<>'*,],H`N.2;8>&NS[A7XJ23<J"3)Q%#?C$$[G_-C0
MLQ]K3.E[=9B/+3ZI;7M(49C(3R1\?;&!@6</VWE<L$2HX?I<6>J^5F(G7/K`
MN&T&N4IB:2CR1]<(2"##+<J0AIKX[J6M[TYOVX+1DN/[GQ,M"@DA?8>6$AQ.
MS#J6-GC^@U*9"(7$Q$9(":G!E1R[C$NS%($AM^-`;4J4^RM*T(4E6M["C)1K
MJ_+7A8@XSTJ@NA;`>?JH$PW<:ZL6;L\9V6Q)K@@@DCN(3/1WA\A"X;*UR$+8
M<UM&MH5Z"499C>T<=-*KZ`_6.:%E6P<:,59(R]U>>JRB*WN6FPE*_J*5=V9'
M`5#Y&IK\;XC47;#GQ5)]BO06C,:H'D=Q?I]Q/T6C]"J%B/!(HPG$9$6NKED6
MH&2%0BOVBJ"!1J=+/5X?N<F+)F-M:89F(6U[M[3ZX%&L3SS;R.XWU*NR[%7;
MY5XZ!4RTP#X<K9JS'/5F332L\4?19!L8S,4$W"5`4^O3ZD*;C.(6YI'N]-`T
MT9;8>P<EJ1B?7K7U'G59/B@BK,4!V&[5H*8&UM.U:58)XPD3C3881.T*]9;B
M$L:]-_K_`*,"C/#79.0OKL#;'5.</.5)$YRU-M7BLK766Q@IXZ278$)*;4&0
M/"1G)C^Y/P]-16U.K]&T[5H*,L2W;N55XR1#V:^TZL;'S`8G1*Q6^J!QD^Q'
MEF$QJM`<F&VY3EECH#J6[#<9;=]CS>V_B>J_8%&9"-Z5SDS+ML`1?Z45GT%;
MR+W"&VH%.ETI<;YOYA%MC19[KU<6Q\@_[]3$L[3\%SU]/8KT$HR%'=NXP7D`
M88GKO,"<NU")Y^L11]^JLV38P(K9710T!8C%G'2XD;L'-U(DQ].,L[AO^]6O
MA.>T6C,5J_DQQ6UTN[=(@WZK1.=46Y$:.2OQ.SU>-2B)8<R'6I\+:D&W@4X?
M+E&V8K"U/MK<EZ4U[-*UKU"CRZ21H'?>:=!J$:ZQ3T&N"9`ZMEOA6PS6Q<Z,
M.MH!BQ@)<YA@Y.;@M$8+CR6OC+0IQR'(]NE);VK8--.A)M=UX@^@4XQV/E;S
M9V*$GA%L]"J+B#$&RE'0E<FBE(+JT0B'S+"XD)QGWHE2D*::VI>MIP*,U_2O
M*SDUXM72*E`,0QA/E8.IF;8T:LU$C28KML&0R[`S0V+;)I)ET;#,BTR)3[3(
M]4DFPPS(==TZEL&FC-HG?>+OC2A&=U'G@)=<#@#=R&'+W3H1.B1+,F%H.FZL
MH.OL5UR9)(,L-J?<TT\^XE+2W/<G>PHS*)?3.;P&J:_.Z!2(3'1GHD;GKTNU
M@H[5[D$&&94!BFN/3T(L[TV-);<93"V^IQ#B5)UO2M;V%&>T](YVN>!%(OM+
M64M7P?LN-1:0:I]D^9%).Q]@8:9VY!C3X-6IB/ETN>Z)OXVO5O\`78%&9I@@
MP!@#`&`,`8!Q')_;,G]T/_LJ\W+(S/,HY2#`&`<F>774NL<U#<$#<7G44/=^
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MZRZAHPZ_RLPR9Y[(',2"LKB=I<$O1`0H%!AGFG;24Z._:^ZU^RT]P(Z!:G1!
MXP?P4I,@SG&$/3E+:9<C1UO:^%-74/+Z_AA\YL^H^1I^^W2U:"TPC7N>!^,]
M5N%8*6I0UDI:[;S6_0*26W.!1I&SU1B!2S,V&]"FZT[(UI+VMMJUMM-3JR:$
MEUU-75CRXO(.DT4S=*99K[:[ERZO=#>KT2E!.(;%QB%5ZU?S1!+=IOMN>?$0
MJWRF8U!_7;604N,ZGV?,.I8BDZ8YE<%7!X5[>'SF8DO-@'HZ5KM2YE8KT1:6
M-=KKH>U5F`+/C)`._FS4J69+:CB@A.K;YS-BSA[;Q!]J6ZTRXIM[3[3-U(B@
MZ5;+][RW@RAP"[P:M/#<R*V6[5L'9+&8J\%-Z+4R@VHZ8%N,K)JF\^9'VD"D
M='E/MSWRDKT;:BI;=;<6U=/070\ND_*OW[IG6*#VJU<BI*YMJKU;HTCG?/C<
M!MTTW8YDNU![V,E,O$JNFR$8DRJRWA,1^2)U.=:9CNN1/CK4U-3:=":4FE+(
MQ8?YJ-C8!<H4IT^[T8%"9EM=2KCL&IR38FO</.=FZ78#?*['(V=I):KMUN4*
M^H/FIDW97TCK4WI+KC;5\1=%<L'P]M,RX3YV`8@[9VQ\=Z)7*X+&JG6TS,FA
M-?4;\E_JC`)@*)G_`%29N(\]OD\M;1!AB-$;;F,;WM7M>TVUCRWDFJ_#YR-L
M_EOU;9=^KU[@L@&?$S!<$Y&-=`IY28V?1V7QSI3E;&_)Z^II(RT5?N:=ME'7
MF5CI*/>IA>FMZ7=3X?##YRJ$<V\/R/YCLKG%VC]'HU:O$45-!-V&'(>="$7X
MDN:(GCR4X,5&/S("W(4W<$J->;2^SOX;Z$I<3K6E>FJL54\VJ.AFN4@P!@#`
M&`,`8`P!@#`&`,`EZ_\`P^$_C<;^_6<YEX7V%CXEVG9>8C2,`8`P!@&$]!IV
MKW6I%=V0V,T_*AR?F]1M2]I^4?2_[/@[?CZW\3V^GK[OH_Y<L71U(U4MN;T7
M7/:^Z"T346TZ3E$?FE1-0]I^9:C-?!^%J1)]=(^7]?=[OI]?P?1EE+4ZA*AE
M)^%*)`C0Z#L4F;/%$8439X8X:!ZDRHCS#'UR&:G#'2PKXJ]?,1DR8ZGV?<C3
MB-J]VN2GR'ZIX)=&J',%L<X(QNAWJ?5;OS<+3QW/J\WRNF@.BC?("(L$)!7;
ML`694N;4R+V9H:$2S.-.A84!3>H,J+*W&C#M23SR-ZDON_8!$%.$)Z&S`<(@
M.J!Y3[%+C/:5(Z>_Y1R7ISO_`,=QE2W`SWDN[O6U^BI*A6U;VWN6KX(FHF9'
MAM>09KJQ7G/8A-=_+%*?GVATC1C+AP:J#U^]=5#A:K9JQT&JF*_7S4/H$X&=
M^`M,]V/OYP;)&S-[7@:N)A([[NAL9S3[%L=-&+/I18)'VC5S]Y49^>6Y/KFX
MYB7$EW4@=F!!,U"9NFGRCTIQC6V-R-.[W*R4&K&IL+EGC&>I_E!:>DDY#\FK
M_D_M;NI:80L:*.=7ZSUZ^7DY8:]!9-ESD*92*&5BUQ4F:EK4F(XU\+:]H>TB
MANJH:DIWW:$"LQ^5MKZ,.^:Y`1*/A2D:K6@L2N4<ISVO\8W)O<F]]+N2TS8'
M(Q3\6'$";$!H9Q4,FU"UL>S&4+K)VC?=XMUZW`[;9+R`L1`,<Y%:V93=;NS+
MD8OSH=QD4?#B`)7JAJAB:S;F^'")2%H#[+PI6D:W-?:CMI4#D9QPOPGG<6OM
M9/HZ.(.U.J52V"H`EKGV@]PDGKU3>-TX]-E75%JG-M5V!'XY'='CVAZ7&M34
MLN2'$08^U".54:\@_=_W06)B0QO9*=#GL4`'Q%Z6CD$K4%_CM:!5P&,>V,8Z
M/&VKK,UFM-[F&5O*&.)>^&V-;2PU@NLZ(D>-!$11^%@:/:JV.L7"+R4N@279
M*,HQ4C^[$"O=7/Q"M7%60!+ASEB>@2GHDZ//2ZQ/90XXEYIQ]EP<UXFA:YX$
MW$";J1='8JZU)I;U"K5=.A><G`UK%<HHKEB00J'SB>FR@!PAU`-87!MB62&R
MA.V4M2(@Z/,C1GVAUJP%:^[^*P=TB#9.EU,P!I97FUM1%@<N<A%"UNY_2N.\
MT6U,)$;J79U22U/XU$?2,VPMY@S,V_N4XQ$CQL#44Y_W<@1^PT8VW=!TP?5H
M(BOEZG+`VVOUVPUY!4B6/./M\[Z32IRCLJ4]%7%5*>F#D?`<3)B2M/)VR&HV
M]8_#('9N)\BXK-MRXHWEU*O5-6<&UJ##G%=WOB-]XS/.C8R)NV*Z8C-7QXBE
MQ&W]K=0IO>_1U2]":L:G/AW[MHS:Q0&NE^S1P]:9@V2590U<!=(G,S+M80O3
MJZ4N@=5[[7<6UD;2-Z#$V52>0?\`AI"-QQ^X4>9*3L74=.T[QH-C^B5[K%QM
MU2GW0?=6+B9:I7/GZF`(:A\3/<8B!QD<E;;.6%P&XQG1+T=ERM(>2MI.M)7[
MTRA&\*'*9?P%MD&Q\UWNT#[;'B]7K4>>1KM($TJ`(X0+O'9^LWFM]!3.NA>7
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MC7+4\>Y!TI^JU&)?42I'1.]WF5=)R`/0KBW<$!9'4HCD2=,^S\B8YIU2H4=]
M;[NQ6U@1<?[MJ/.I=RK=DZHTZ4O4MF64,AJB6=?'(^T?D98I0^`1NE^N=J)Q
MG7/(-UI3A(G+>?T/4IW:OG%H9#4;B;\4KMNCO1I/0N?+Z4KR!)>04<E'Y++C
M<N:,EZE+HLJMR^>;Z`\6)C&:^3?>;D+-HD**::DK]=(VTH34J]5#2Y'[LD28
MJ(ZG3^NSFQR.=6>EG_JJF-"M6(P]S8)0.;6EY$2T(='[Y@^JPSXL1EW6Y&[`
MIK3['RR'5BZ^HRV%X%RPXJ1*K%XK=2OQ&Y<^O'VS#@.ASR-0LE6G=5F6:RTT
MM9>N'+;..6[762;;S5@)FA3C$V<Q*ARH\Q3+8FJICYKP6F0K'QP6),S#0:/T
M0$:Z$=:"`Q8R/SFA\='@VJ68C2K$Z5+,W'K%%IQ9MJ*P[IKZI<2ZI"$^]T74
M4+-X2E^;U:DVBB&)MYNW*[*2M80&-YY5IVK<8-D>*-(38A-AZCSV`3%B!W*G
M-^FS4:2V[+9D,JVJ"AF0&JN#,GA>%=IL7(_&2KGK<!J1OG?`Z9QKJ0MFILGV
M'AD`KR:YG?R;3H=@%0J18XMEY<U$BSM-$HC<9]+J6%N1(RL$U4;?69[P?Q#,
M<HO=>O-IZ%7[G(IE+;YS480GG>ZOL?5!=/Y_1PDB9/F6ZSOOV-T50DNSWV$Q
M8[SLQ;;3+33:=+!RJ=PX.1@#`&`,`8`P#B.3^V9/[H?_`&5>;ED9GF4<I!@#
M`-9]8XQR?N]7CTGLO/JWTJI1#@ZSQ`%HBNRH$2Q"&IC(LW%TQ(C/QR4!D@^A
MIU"TJ2EY>OP*WD:3P95)QQBZ,\M\6Y)'&<_"P.=U8.'Y3#T-YL)KT!59&TH3
M\.$VL&#@UUT7&9KS^AD;;PY:7(+ZXS2W&EK;0I*B&J5:US+>5POC<T4L')YI
M5%B5PXT#4-N`N-\"-"#U"OP-0I$5]B8/D#@O/@4>,^PXW(C)$1%-+0ME*M*(
M:GQ//Y">.)#1Z^QSJO01,-#"(<<4F>&D0MQZ]NILOPB@B=!+PYR:TK<+<EI]
M$A;*E>Y>U*4K:B+JE6M2W:\?>'L1B,%GEE.9@EJ[JI$(#0Y:(#U;^SH*H[$M
MP4OZB1&5UFKC(2W&$-OK9'1O<O:F&E)40U2XECOQLX/N&Q`3S``U'BQOE8ZH
MTH]$G,Z^TYBZ_-H+13#);ZXW;+$1G_6&W]D/CDIG^.]DN0EQ1#5+B9('XYRJ
MOV2TW`)0J\-M%W&3@ML-1F)'S9P04?9EE1LI#LER,S#+SF$R9B&6VM2Y7J^]
M[WE+<4HB:I/IR+Z5R[G$WZM^<I%<D_4];C4X5\:`E7U?5(8.Q5F+7HOZ[U:%
M1Z];BD)+6OHU'(/I_P#7WBB%7Q,<#^/_`!&OEIIT)R^I#2Y!2U29L>&_M7^-
M8/QWFXC#LIR(,CR$6LHIUJ*VRTZ\2E/+2IY]UQ32BZI<2UD>./!Y>RGS'*JF
MX@SJ+LC'TQ.:AN2(8)59C$8L%F<W"%FFP.]1MD(C;$Y:4(6IY3C;:TJ(:I<2
M>%\;Y8"JQBD@Z.'"U:PPX\`V*$N$ANR46),GD(VI!.'/9,ZDL$"DF0F0B2F3
MI]];GQ/>K:L41-3K7I+,5PGC(-:5B.95"!I%?8JFH[0WWP55V/7S%42+=&/N
MNC7VWZQ8)L"0ZXTI^5$DK;?<<UZ>BB&J7$\)X9RF.`57H%)`LQ&QT8>/64BO
MVI4%(W[3.`E.)M,LLHK&!2KB3<CQI2W8^D376O;\)?LTHLBZI9U,%Y5XK<MY
MD&'PWQ4&WGA]H/6Z/92`SZJ5$*'R--*/1A8B'/DL11$&=SL'(CL27IRT2QC4
MGXFW?UVHHI!S;.@0P4371D4*"'1!`B%N3N&.@M:9B1MS9LDC+VRUK>](W)GS
M'7E_\:W%;_5SHYS)/`&`,`8`P!@#`&`,`8`P!@$O7_X?"?QN-_?K.<R\+["Q
M\2[3LO,1I&`,`8`P!@#`-;]CNY#F?).G]&%!OM$3H?/[?<!X'WO-),3:V`GE
MXPYQV,S)DM,RWH>D+4VVXXE&][2A2O1.Q4JNA\FJ7YD])JEJN)$ST+F_1JV_
MUX>(-=!`%3)NB0J46M-CKOLX]S>=?H\JT$XQ0+$C.Q1APG/C(D2Y$:*33$3#
M=AVXU(ZT^6?D1.X-9R5CMM"V5KU)L:I%TYXU::62'7Q^B^5I)W9MN#83T&`*
MHB.1P69,+7OEJ(K7(5N.N.TRY1I53;<_STNRP5SJ\(MQJ1T/ZQ55N56T!LI/
MJ_4Y>YO:HI*[\_JCMEGS[(#JJ.?#VID:,2FMLS]R4.R?AN1\$T]/00`GSCZ9
M7-"VY$KFEPDS&^;FIJUS#NY'99UY%\7#&!7`H+%BF0@C=%W<I!\I%THVTF&M
MK7I&2\],9#2C=0/ROZPCQWL71KE!Y4&N0Z[<*K"[,F):('**>#[A4^*6MRYW
M.*3/_7>P7-VNLO-3G=$H+,Y(Y+SCHUMYW<4-*K0T/KS+Z]R:N]"<LMGYO;6[
M%<>V$N16R4.+/A&5U'LA0"H'8"MFZM4ZI%I9P(M;E??^O!S`R+'8BI65DR([
M3L+I3RJ;%!^8/D-;W:HD)7>/!F^M61L/05%Q=\++ID`9:*&`.SKJB*=#ZMLN
M<Q>-NPV(6PZ&50O:ZZYI_>X])I1J8?YT]TZJY&G#*;4Z4.KY7GAB./>OHBLS
M91J?SVOVZ*)O#S]L(65OE/0Y-H>6T5E5P5`&P1C:UR9ZY7I&F9=*1]+/&_LP
MON7*:W<V#@0L?7%7$N,0+!9$-AK)#ERX!&#L*S;;VB)#W)A+5#D-&"<(E$^'
M,ARI$1]EY=.&J,WQ@@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@'$<G]LR?W0_^RKS<LC,\RCE(,`8!@W1.H<TY#6U7+K/0J3S&H((0A*K
M3T"T!JA7DE2/QOJ\9LP>F08'UA/^7<^"S\3XCOL5[=;]-Y&TL7D5)R=(IMF6
M!R(^PBAIP!.B&PAD=",""XF0T0&%!)*,W-'%!\Z*IV-,'SX;R'67FU*;<;7I
M2=[UO6\I,CP<+#*P')V&Q36`H(+&=F%BQ!2F((Z*Q]+S\M[:=Z:;:_5_5UDR
M"QP69*K8>;W[5M.)WZ^GHI"M>OT[3]'KKZ?52=Z_N90>=M.:UO>VUZUI*5[W
MM"M:TE?_`%%;WO7_`%5?J;_5P"`/V4%5]@$6`B@8Y:C\&K5QIV/-?>,V`E'G
M3(8R$S#C275K5"&29#CBDI88CQW775H;0I6H$JY&.S>J\R'6EZC3N@TZ/=8^
MPFI-058!SEEBJLI,4&KR981E]PC$4:*'83,?3K:/B*EL[U^M<2K:J+1TKT&9
ME"$$'`?*F9;`L9%=CL29\YS4>(P]*E,08S3K[GHA#C\R2VTG6]^NUK3K\.\I
M"04P\CW>]IU/MUI2O<A6M)2K>TI5O>]>FDJ5KTUO\&]X!2P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8!+U_\`A\)_&XW]^LYS+POL+'Q+M.R\Q&D8`P!@#`&`
M,`8!')#B$M1&$BQR6(#C+T%E,&-IJ$]'VK<=V(WIKV1W&-JW[%(UK:?7?IZ8
M!<-PH;6G$M1(S:77G9#J6V&D:<??6XX\^YI*-:6\\MU:E*W^N5M6][W].\`I
M-"QC'R>V1T%G8]MUF!MJ)';^19?VVI]J'[&]?+-O;91M:4>W2MHUZ_@U@!L6
M,:U$TT.@MZ'[7N!IN)'1J%MQA49S<326]?+;<C*VVKV>WU1O:=_1]&`5W(L9
MUAZ,['8<C2&E,R([C+:V'V5M?!6T\TI.VW6EL_K-I5K>MI^C\&`45C1SD=,1
MR!"<B(2TE$5<5A4=*6'6WF4I94WMM*67F4+3K6OUJDZWKZ=:P"XTPSKV[TRU
MK:=[VG>FT?K=[WI6]I^CZ-[VG6_^?6`6VQ@W;CKVQ\';K\9J$^[N(QMQZ&S\
M7X,1U>V_<Y&:^,OVM[WM*?>KTU].\`K1HD6&TAF)&CQ66VV66VHS+;#2&8[2
M66&D-M)2E+;+*-(0G6O1*=:UKTUK`+C`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`XCD_MF3^Z'_V5>;ED9GF4<I!@#`.$/O">)]8[ER?
ME(KC(V>6MW._)SCG8I<,)?:IS.T;K-#U:?KIRGW.\5ZUU(3:6]EV?E=SQTMA
M7JKU;WZ9Q--KNYU/2TXQD]6331DW9^+]`ZO3^/PXZ[(#)U:D$OM`/1U8D"*P
M[I.7RI,%1>Q4%^KB[>2%P`QYI4UJ.U"V^^IQAAM,A*4UINA(R46^'])RNC@7
M>#ELZ;2(XRP;:K+$8)`MASKIZ94)/-#E'ZHR`Y+`JQ<C)C&7Y+QZKS9)53+^
MXCHCV2)29,9I#W%'6AWJC1/X=I-E^1>0H*ST^*[9;!7270^G5WG5IDL=,LMN
MUT<:<,=7LO:^Z#1L:3)9H7RG/&JXW!@O:'KBNCE1T-M:3'7)M&*Q:]G]"-L>
M+_`.ST6Y4VS=DL%G/Z`B.@O'H9&_N%*_*Z.<B\A#ZN5>"B[(3T6$VR)7['-U
M]<I:>'RY[JT08:Y.6*:>)S.46J1(SF_CEUACIO/[=T*(Z]'H-\CV<N3G]4-6
MG[:W1-;\B!!OL00+]9*8K4.Q#[[5!V@CC;&VVQRTJBI9B-.2"3Z2N4:8<.'9
M@9W/XU>"8WH7)#-'B$:/</)01W%[I0V\PP[MBJI+N-'Z0?JY\7"D#+T-N%>K
M0Z8'9?C+<ARA8V(AJ2TMWY=JTZ'E4YJL'TTI\AIH1X]>4$&8-;47)H*CT`H^
M[Z[V(J0B/\Y$UNG@H/(5U6017N27$VX+*L;AMUGUEM.;:7+<>DO,ZE&=:H?!
M?*3%,\?^]0^A<+,FG+77@]&<^+TF<)ZNQ;-7CI<2QPR-JZU/:/VIF4Y2^QUI
MG0QT5J`\0%-(7';@Q6W=2M$I50<HT:Z?A^`^D>=GD,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`)>O_`,/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`8!BESMT"D`
MGK`2CRY,5A^+'4U!2RN1M<MY++>TZ?>8;]J5*]=_KO7TRI5="-T*%&NPV_!G
M#8J--BQFY\@>IJ>AA#^W8[;#BUZU'?D(^'O3^O3]=Z^NM_1B2TNC"=2SZM='
M>;\NZ3T1@>V6?H5!N-T9%/2%Q&B3M6KI$XV/=EMLR7(K<Q<'3:G$MN;1I7KI
M*O3TW#I*KH<B<?\`.:N7.FE"-V&QQ-C%EYHUEZJ0K9-KAJ%J]T7G`PTT.MX"
MHWBN?&MG0H<=Z"3',2=,,.S6-OPG8K[PKCC@0=9\YY-@:JHR)3)1T_9.E<@`
MRB5<"DW*A5>?]4L%(`A[1;I9$G%*A2%CD&2S8IE#$KT?':U+0RC?O6&DZK"]
MYHQSMUHX`Q]8,7ZKU5-S>0\X"D#R(%$@!$GR(NAAP@9&NC9=H@-K04ACE2?F
M/?%^8;;=6V)1TKT&@)?WA'$!,VSIL('JM9K]33:'B=W.4IJ-47(M8>ZW#U,A
M3F#,F?(CV$EPJU1AV]Q4J=<%Z4[IEJ9!<E"Z64W_`+P_@,4-7C<AJX[C66M]
M$-C8@^'5CQAPIRY^Z1[;3V`==MQ<L5.L*Y^5^7EP&98&7MA"6B*EOQT.AI8G
M^>G.`\TBHG6>ANQH4)]1&N#*<N7<:5,JDSM;'3I%Y]#/V;9%5"/Q4DY[QTR:
MM_;/MC_,KDQ$.!I9CUY\^`,<N!&\_I=ZG"FKOK=NNA:DL2ZR]R4&*[:3L]UI
M?MO%>F&$R9O!C`^*M6MR(^MHG;@R6'8J)8JB;HA>4%6DW[J(R0I`WG_(>:$K
MK<K).@D$$8$X`YHE8--Q&/F/G0T&KRH\A*VFE/./;<0G6_;K6QS0PP]YW\KJ
M,29+N='[+4DB@3Q4VP8I$)R4#-.U:T7JOT(E'$V$HXB]V^DU*23'PFOBMI:=
MC,2G8LR2S&6+I?06O]O?F6F92'>;=V:.QC)<,FI[H,!VQ2W*O^5MFZSH;4:S
M/C71E-(\-LL.8[N4GYB3":U"3+1,AKD!I9BA#[R'BY6=($<P'6;HC[)LJ(DV
M`/'!.UP0*&TCK]I?OT]A5CCV!ZI#2G&2HZ2QJ*R7<4E+\:*]&=CO/"Z'TDI5
M/.^I$37R]UK5@Y^#CN=($+)&A29""\_G*(DI^UC)8@L4B#*8<C_&CPV2&F"B
MR#D=C;6OB>N"./`V?RGS'XWV9OJBJ1(.2'N1!_KVS1",80/E/CT2[:(DJAMN
MFU:'R85CHA<:\P5V->;D0_B[3\F]'E/".+1I,U]XWS%<.CFJ;6KL?K4VQ.Q.
MFGF`$$R,YT)A0.NJGPYI.MV4B-(V%,_D1!QIP:X4%K@-?%^8_P#$P_CBZ6;&
ML?G?Q.M'I%=D1+J3(+C6-ROM@18,O)N4JL=&1RZ;!K`:-9-V*0F99W/_``4^
M5"B")D?6UM2U;UM&!I>9!2_/WF@H5?;18*%TNO4SGPRESRUE,HH0U#LNS2[T
M/L`..-GWJ)->-\_)\\)1B,9G3STR0QM`U,[:FOBAI>726]M^\;\>:0T9E6)J
M_#QT"0_]0EI5<@0!-]$C9_0H!^P4@B3.P8I,97M\K.NOM2%1"$AJ(UN'&DJF
MP$R@TMF3]'\QZSR3IUDKMTK-JD<X'\TY?=QO0ZM79!H=&*W^=V)O0.P*T09E
M,/$8/-&-C4QHCO\`CGU)DN-?%C:6&FJKTEWT?S!I%"$4:^J4B1S$_8>JUPN;
M?0VP0E3^>$"%3&HJBI)&&(DL6J]PVX<*5+?9AO1Y#<A3K3*MNI!1>728C(^\
M;\;F:>.N")UJ?9+3W1(T1]5"81&66;C4%],+4XJ?'U>,S*=Z+"8CS7B+8V0\
MQ*^'(4AA2]AI=:$RCSZX1L>`L;VKA`H]GND"CA+X7%A@H`G/(CJQ/CE18\O8
M85P-@6GKA!C/R(`N4J*^MQ3R$,,//-AI?M(5GSYY[+(06XM)ZHEV4B&.C4B7
M151^A'SEKG<03S]ZO,N'$5CZA.BNV#GWGIDZ,J)MS:9'RZXDU#0:6;*YIY@\
MJZQ<@]0J8^]_!/UHE8A-O+598RF2G05<H=JL=;65?F[F0[+71'2!:I+#\9IG
M;JI#3+KKD24ED'%HBJUYM<<LL6?)1"OH;<6G/]'B1CU45!EFN;N1`4^OWP0R
MU.E?%`7"$?0L<E[;$[UCR&Y,>,ZUM&PTLDS7EYS\)RT-UAZG]4F";*>MX2L5
ML?4([UVL46C"K78;'9!E?=,L>E>BUFDDB+3C[S,F5'90AAAQ^1&9=#2ZT-(F
M/O!:P)H=_-_9LQ.L`$?TTB`F#P!&528+D`AU*/Q0%>)VIS9B!8NHL<T>2EB&
MP^AJ2M#;JXVY,/3P:<3++OYX<^J];<U]G;6!Z!.8Z6"%U*\00(B8%Z10Z7,N
M4*JVT/$MDH\J/81B8LEF6(:)0FXLUE4B3&4XG6`HM]ALRW^5W/Z`8C5:RCK/
M,M*N757IKPZMBX<Y4UJ[6J-0:?6J["F%X)>R6.U7F2@;':@QY,>$Z]'V2D0D
M2HJW@TMFO+_YP4FF6)-0FB2-4L@-%'M%['W98!UVN\Z-RA"+D2=C4RTV6?`/
MTR.<CZ<8F-,M2W%[5"5-90XXD%&ILVF>6/)+OQ"T]]&2C4>E4MX]"L4-^##(
M6"(5`ZCJ4&BQ*X2.C3!0HB?$^3;A2Y&GERVFMJ0]\1M`FEIT,15YQ<8C`;69
M*P;^&F4/6V+M5YU4V[9JR9;1UI<FNS88P@1A3#,9'%S"O2%)E1WD.1%L/.HE
M-JP72SJRNEU6`"&.K$EP*C`R"3V%L$>/$."OGH[<G0\O%BRIT>,2BZ<]CS:'
MG-(<UO7NWZ8.29P!@#`&`<1R?VS)_=#_`.RKS<LC,\RCE(,`8`P!@'[O>]ZU
MK>][TGU]NM[WZ:]=^N_37X->N\`_=*5K2DZ4K25ZUI>M;WK2M:WI6M*UKZ%:
MTK7K]/ZN`><`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`)>O_`,/A
M/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`8!`V2M![:*<#'8RY8]UUA];*)#\96W
M(SFG6E?%C.-.Z]J]>OIK?IO]7*FTZHC52E5ZH#IHU8FOQ5PX*Y3LU32Y,B5O
M<A]#2'%_$E.NN:TI+*?H]?37IAMO%A*A[MM7#7>JV:EV.,Y,KUOKYFKG8C4B
M1#=E!CXZ2**1FY<1QF5%<?@RUITXTM+B-[]R=ZWK6\A3EW7AIX^.D0T22]=R
M-E"S8EM,2B'7;W-M5W<9.4XH%(]'E/6-12XBA1KF`;4!J;[X49`I$9I&F-.,
MJ'6ID@$\1O'ILC5S=7B'(^J.<KRT1J]T>VMA2ICEQ<=(JD"Z#X![Y*SJH-A`
M_$C1"&G4Q9:Y&EHVIUW6PU,SJC\+Y+6.GV_L%/T1=MEAD6T<92W<C9:LBR=G
M(U.;?-#JNX4D``AH\7HHMTBM#"9'QHFD^J-*6E0E72A!%?$7@1P:2#F:4X2%
M&&)48E`DV"Q_!E,S)G9B#R5;;*MO-*U,[]:'$+;4A;2YK>T;3N+&VT&IF($_
M#;Q\EG0TNT/W`T?FC/J9I%AZG;5R+?*$UJZ`62Y0<DU%8LEC"4Z\EXC4A32U
MQH3^]ZTG;3:T"ZF3*_&[QJ/'+<IN'#G';G'O<"RQH5Y*KF2FK[(ZOJXMIA1C
M6W(3DJ3U*RI]6D(5&4[O3?LW&;^&%6:[YQX74:'<^FVVRD!5HI]M=?#TVC5T
MG=T5BI!$R>WQ+`PA9>\6%$66:1W,[&EP1B1XV(]^O990O3*(H.3]IN6E>+''
M:0-MXR,)/V5'0`!RL7J9?+A9[L2MH6R(2R:AFYUA*37Y#<V(A+&])VC3;"=-
MHTE&O3!*LPF9X3<!?8V]:&[W98L<#*&DG+CU6]F8Y!#(2PUL;9+`X2/J23L]
M6IMGGB8!:3M<R,.<2E3BEL,.-"ZF6=_\-^4=0(T:Q"2]@KXV):[7<3\VG7*T
M#9MT"7\?W0B5$0+$$/Q'AHLS:N_EB#JV-N-O1'/ED:2WIA;(*32,HUX=<0:$
MDJ[`%V816)MJ?N$*KA[I91M>K94F%N%>LS%5&QB"&@`:XB.@&62D%CVQ9"2#
MGHA&TM^P34R-?\/?&^XB3:7@L^QURWO1)CC#-[LTL,A,.UT6Z.(!.0C6D0(<
M^W\V'39;;#FD2'M2$+UMJ2^VL74S+G_'?C0NJ=3HY%LBQ1^Y$C#-EJI*XF&@
M;96\DBY$W%I3+Q%IRL2[+8[!+F[:'N-JW->UME*4H;0@2K,3%^$W!19@.<2-
MNA"<-E'B9+1?I%Y)P[D<L:NB[(V"]CY9UR%;C"6NM6)IAR8VXB.R2^&VA*(T
M/4<74R)@>$?C)2UUJ?&"FPHJJ#Z#7PHN9TFY(K:2%3ATVHU(S-@3K`J(7N<V
M!3PHYR?*V],G[CITM2WI#ZG@U,D+7X0<!N'SFB0RYP6Y^B?S30#HUV`(4HZ]
MT_=A=;4+-1G8S]A&]BL(^6XTI#C@^:EG6TZ88VV&IFHZCX5\P=Z]TPF8NL79
M,7)K12A4;G%RN@0]Q<7-L75;"T;900O5AG5IWH?Y0C463&@QAP:6RF1MIC?^
M*1#!RP.B^F>-M(O]IE](^#)WT)FI0Z^(9-'K7+YO-G5N)>$T0A=.>#3HP-:-
M5,CT(J\RI>FY/_BM[T[I;4=;(B?1T$1`\1./_D3Y)PT^+FFZWQRAA*/5Y[)0
ML%*-+#`109NS-RQQ%,MFQ[EAV2#4K;SC\>>G3R7-N:]VQ=3K4_3GA]Q&QOD"
MI<59)-M)5CF=7?OFKC8V;FTWR(T<L%&.PS+,]OY*TP2E@D;E3VFTO$6--1I?
MQHS#3*!*LL;;XD\!.%:^2L$`DV22;F/1F)5YLL2%=2LT_7^A+#6D:V;BHN8]
M=FH$,LH<][VG%1'-J1MI3R5"ZF:XX-X44*E+G6*Y&F[]<(=]'FPD@38[X^&H
MS-.@<A%5^H0%VF[VX]/8"O\`$PTA;<^6Y\)>EQ]-Z;VXIX'*ID7./#L'S7O$
M7IM=(Q0]#K=',5*I\]'2KM,;?(64)S.O&K-94V&Y&*QLQH/S")&^./&1'YJ7
M/?(<VZEY<H-6%.DD/["GCYH:R*;'WYB.PN/!:>C=5Z&Q/32X$*"/%\L^L6K$
MF=OE8B*+C)C`MN?)M[8TKV[4MW;@:F7?>?%D?TSBHGD-#(0J.H%,+:KUEF3+
MTX5JD*SUVV56R2@1"I7.HFW2,P+<9K"F94QV%(CO.,N-ZWMIYD1.CJR.(^$?
MC:["'C#XDPJ,0#S*F2@;OEH"#+M-(1KFY%(&0XXU!@$[.#W>#L@0^VA+XQ<Q
M3D?V;C151Q=3*SO@KX_2I^BI*!?2Y65J0JRDRW4;]/GWJ6IL_'&$+Y*>/;=M
M<ZN0K3/CC5RMKU#8?2A&O\1'^$&IF9])\;N+]<L%>1>=FRA.E53<.I`(E[L`
M?52T\ZJ+"OP`<'*PI@FXP78_PX9MO:9##K"%(7IUEM2!$VC&(OA#P!!(H3*B
M+;:GC3<SZVC6WH-Q/C"$LR[6Y5J*214TPH<LK=)U2@OEG_AZ7+<:]-^U"E(V
M+J9.C_'OG=1I5VHEMNURL?+;K6@5&15NB7N=-@5V!"</ZU]G[#,EQCT0\7>.
MH3\Y\WN8GZOA?"6E;"5[$KC7I,13X.^.A=`TBY$N1I$B"3>*SU]2O$IKH,RP
MLWW;EJN[K!],>Y'-,]5/[B2Y/Q-1T$_1G24L1-1Q=3.QFFT,MMLMZ]&VD(;1
MKUWOT0A.DIUZ[WO>_1.OU<')[P!@#`&`<1R?VS)_=#_[*O-RR,SS*.4@P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ__#X3^-QO
M[]9SF7A?86/B7:=EYB-(P!@#`&`,`8!J_MTBY1>-=8E<[GPQ5]C<WNTBF$R$
MP6.@CK0Q6R3H.=*('5)!P&8A)+;FWYN]0VO;[W_\5I6"JE<<CX^4W\NO0&[+
MT;G*_(^S<W9L]GYU]?#;E29O>9E6J[_3G:@"$V]5B7!+"0'6"PIV<]H@^XH=
MI;4QYUIJ>Q@[=.FA)0J7YKU"H=%$AZKW!%BLQGI!/I$P9::_JL1[Y<.F2;?2
M;[X]A:[>:F7=#2=/$6CX_9`(TKZUCR)OQFXKC2@K$Z:@5#O@+A()LP#Z?"+&
M_((E<NV"^3&*V'ZF4H]B&')\^75)\8G$CQEO=(?$R230V7'G+#-36XV][4EM
M8YPK[#ERWGO-%RXD@DJ#Y#TV3?;-=)/,:G6+-7)JAU_&4GI>Q&YMD.W0LH_R
M,(?C5:=/^$T'#N;?VA(Q<71!3PZ[IYOM0\UK;>"=J)T?NT!5?M]H+4&-0[97
M-KI_1C-#[Y4!\L*?M=ZE23/(IY1RFOS&F80D2VF4E"QRV&2CKP)QH3EOX'Y0
MEH-TED*Q;X9,J[9"1PGR\S7:C82B`/4>C683'IY,&4#E1SA8#.8^7;9>BNST
MRT-3%J6MWT@JB;,TOS918^A-1++U.BTQBLVR70AM(J(ZQ)-AB-\LQ!X*40%Z
M#4]`+Z3FRHC[I*,PD_H._O<2>B1J1\.BL3??:[QY"=!\3ZU.X]S;J-8ZK*(%
M*M8QPZP*<N%%MU*KMO$N2X<MVU4K?2*S(ZV`B"T$'R,6!/@RDEI+,@?IQAX1
M)*6.1IFZ4+S$=`G5FYOD!8J[>YG0Y71:W1KC4&+?`:7;^^"N7AN7_,D1$*K`
M]P)]*=*,1WVD/BFO=+]_MFH<A:Q]IL"W4_RK#"/'NK\]C]"#RP'#^,5L2U6S
M55AT&M]`$E!T'M:.ULO3D+*#M\O83'KRH[4UAHHV^J/IN2J.[E)W<:\3-O&^
M/Y*VKIX>U];B]>J%+K]*GCF*U;2U4A0#MR;YSX\@)A@X&K)0P_/9<M\2ZR!^
MG7D,[=<=E;:]%PU:$=*89G,XBA>:=0#QZW7A78Q*146*R3'U>QT.)4?R"+"U
M=VQUWG31`LMJ!Y.R;KL\Z.GOH:TW'=1[YB&-Q$MCKNF<C:UY,W'N0%4FD=;&
M<8"6+EA6(.Z18(]A<0S1[KRN;6;D^5+WHI*;ML^IO6%TU"ABXJV'V=IG2B$M
M3"FQ,$NBIEUKH'EM"ZU8>@5BP]@-#8_09YH%0G+_`%T;STB`@=>XD&#@$B7F
M%('!27(25U=<4]\7:7M_-.I7*BCDMA6-*'/6N;>?71*-86-N7L$;&2A9[E03
MII*%+JL*Z?E*\:+3#DWJ#(N-SLML$<_(#;<[`>G35M[CQW'VAZ&]P(2!:Q1D
M@N@>7]GL_P!:WR9Y$0JK7.N\*L(VCH/16#4JBAKI14(G$;C5N@H`G"M>$(-Z
MM@N'`CLFOC+EKT^TP.;4'=ZC8W6>6>1%>['V^Y<Q8[+H;TNXM%JL[1K@"1!W
MTH'Q3BM:Y*:M8ZQ%V6H7$QE@&6>/8XC:-HDN(CJ?C/MZ95H1-4Q+*.[YAAHX
M.*T#\A)]NL%E0&Z66<+40O4Q-L8[CQPT:MU`BE+"R/$\=?XU$L;8B.S'0O;7
MNB28VB3JOB!W?89"JG>2=D\<N,,SX?6V^G<\\@XQ11J3<)H>U7P#!W;@U>Z%
MT2N:M<_8NH%SYR#.,U-4\C#@#V7-,-KBM,LI#"KRI0OZBQY0CO&[J$<D`[27
M/D;?ST?5X5SMD!?8PX26'YU`[19QQ&F6D1))"15RU89X@9%,#I,N*A3,%^+#
M<@Z;$PJ:<KO*O+#HXZB#^UK\@AO1PQ.C6G[4UZY5D!40M:'^-5C!N,"U`#D]
M@+U9WLI67'/NI;D2I+$OT9F.C5M>P6J65*'J)S_SZ)VR/'59[9S>&1"W(\*F
MUX)5Y(DE?)+5[G'(=_T$L0L.)U89;E:4.(RQI5;>X\AMC;"W9.W(7NFY>`#/
M,J=WX';.SD[C6:2?H^[D]0%Q1EBJ('[;C9Q\CR@N=&6Q`P7<>4W4LS!9G(&3
MGIXT>AMB:N,X][*1Z:469S%:"'F2*,5"J$"'DS'LMSA6MMD>*LU#2X8\C0%-
MZ!/GV"OO_6FXT'Q=@F9E6=8A+6Q%WI"M.PE,Z(I<%[M.CX?C-BURK^>S2+@>
MN)?IED.!3'6#3W/J\7B4FKV&R00-[9HC-6N#]G,S9W/[%%*A%0QT)D,Q#G"V
M]R$)E2)V\$[IB,;FWFTY#^T(N)UB=TV3651*D2NQ@(]6Q(VGV[S$BU&5+K5L
MNEY'5GHKU9M]$6U.E29I1]EW6I\UU34]"1:Q]ALT-6/,6/)EW2M?E]G!JL7`
M;Y+S;HW0:M`,6.GE;5<6;B,ZW+<D&$S;`L8MO0^;.DRGQ0UV`]K2IC+J4B=W
M+`E.%4WRU;`=JM14;9H72Y7$K]5>)G.CK@:)MV#9BPV'G8PV@O<[V45$&V`S
MO:7"Q!]Q432?BZ91I,=H'3#@:RB5[[P",*";!&.V&`&^?W)DU#+R*=6KO$N9
M,S89=4@"%W&S7"7-<J]#;L(]TE/*;9G64K3I"6]0QA!>"]PO"?,O*J\V:W19
MK?69O,FY//9G.Z1T-J.2ER*;"1S*4(*GK45OA#Y#IE6.0;/HNPY"V2(HG:7)
ME/,L#])@JO:4JCRSS>E;)5H];NM54+"(*&I`TR8-KHV'5Z_R7KKO*I-1O"[4
M6;CQTFF*J,.C8`T>X^31IV6XZG;SKM%8]52],A/.DQ]FD_6G;*E<)G17Y/4[
M+#2#L]%@P),.6OBTSFE-"W>LQMTT#%5IFZ07/;N07]%$&ID/VNI#N]5#Z[@2
MCIL..+/ARU?>GQ6Y+@4\W"9,#%.:]=Q"+0Z<3@HE-?\`K::D.H_XE;P>9+8`
MP!@'$<G]LR?W0_\`LJ\W+(S/,HY2#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P"7K_P##X3^-QO[]9SF7A?86/B7:=EYB-(P!@#`&
M`,`8!3=::?:<8?;;>9>;6T\RZA+C3K3B=H<;<;7K:%MK1O>MZWK>MZWZ;P"W
M@#X`J'&'"X,,:/AM)9B0($9F'#BLI_ZK4:+'0VPPTGU^A*4ZUK`+S`&`>%-M
MJ6AQ2$*6U[OAK4E.UM^_7M7[%;UZH]R?HWZ?AU@'O`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`/"FFU+;<4VA3C7N^$XI"=K;]^O:OX:MZ]R/>GZ-^GIZZP
M#W@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?\`V5>;ED9GF4<I!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!+U_P#A\)_&XW]^LYS+
MPOL+'Q+M.R\Q&D8`P!@#`->=1M\^C5&58!K$.3*8F0(Z&I^GE1]IER4,KVK3
M#S#GN2E7T?KOPY8JKH1NB+/DMW)7^KO'"D:!%DMEY@_38Y+Z6-M1F8CB%[U(
M?D+^)M4C?K^N]/36OHRR6ET03J6W>K*8IG#.T7"NSOJRP53D_1;*#)?!CR/J
M\P"IY@H,G?`F-/1'_E)L5#GL=0MM7M]%)VG>]9R=+,X;M'GM8*[?"@H%3JU<
M^6<YYM2>@=2Z4Q;A*5PZM.#R[3?+Z";@SG&#8.HUT"0CJC1([ZGB;:_<\PS%
M>UN'6G#VD!6//7M-RMDL`+XM4@D!=BY=5F"UCMSR$A)?1G^0G(!8L/AZ58"D
M0G0^KK>ALQ1[3;9`,IMZ7[)S>X]&E4ZS%1_WEUH-./Z"5SELF!!/PR,8V9LA
M8!'O-%/2>`ZK@6FBTK,$(W4)HWO#,I`\AMI]U$%I+L.(N=O4,-!MJJ^7?9^C
M^,]Q[.,I]!YB6C7SDT&FD;L4^NJDJF=`LW.XQM%MBA3S9@.?I\&TS1\UQ]4)
M"I49,E+#36]M)$<4G0P`+YY]1Z#'EBFZ70^51++*Z8]5;K=;=J.C8;G\>7#+
M4."+A3'9KG<-2?ARHS,O<"(J,W+4AAY4!Y*Q=*1'\]\W^YB@//ZW:J=0+.:K
M-1H)KIQR%8+.Z6LP:T"_%#0O[)0G0[>GKH_OR24N6N6I$61)%:2TVVF=_P"#
M"B;(\?YY])/G*860QS6'LG6Q3#.Q5O)3^3"I?;3GCCJIRNFEW(4<A&L/&(=Y
MF,%6&%1T2UD8F];A_/:3'#2BO#^\SLZ4#[6;IG,A]!%1#$_H4"-=3,SH`BI<
M_J'/;[TKL57$:#(CV/E:*E=)4X.^I+#DF(/;>4YO<S348-*]IO3J'E#V.A2>
M(D)`KE-:C=,XQ%L-AJUR(G(LRL=%M/4^`<['RY%A:<CLKH_.6NOOS#:=14R'
MV8:O1V-K:7$B43J6=A\UKY"IOC65K/+@EGLO:CUZ'%6(-HC,U63#YA:8=7.+
MHUB,O@8LS[>LREEZY(DJVE8MA2UM/?\`63"Z<Z]!K61]X9>`57K9:TU/FK!Z
MR.<YNXP&)-GUQI_*+PQ#V1B?7-@:KT,?=ZV_.CZ4O?S*)RI;3<6"]M#RFPTF
MI!'G)UFLU7GD\L4K'09]9JD$C-(TZRO&`I]SH4TI0PD#KKLAN&H9;^:&0:SI
MQB.]':U!E(0G<?V_&52Z54[(M/EE?ZQ2^'F3%(IE5M%]YQT7IUM`62V(D(FL
M\KC5ATAS;E\@"Y.@V+I'0D6?4H(PN6M+$*')4XW(6TI&AS18FEQ/G-W*TF1U
M3J52X(9*L3Z9%.VZ'=+@3HA%OI]F\>:S6-5!\:&>DSY-0E>0"-FDO/(U(<#;
M;9^75.UN"+I770P^3]YE?D04D8_/.;3=FWZ55A0(/<2)>STVR6FL^/)I^Z=$
M&OQPD>)S5F=W-<>/O3T1Y[<.'I4A&R._DPT%<GYB>23R+!.EL\HH5EA62E,!
MZJ6)23`.E5ZQ5;P_-6ICID@.0>:L\AA_MA90DJ.G#X3#+2E.)D:3KV"Z424W
M[P>\58(]7H5`@V*WLDX<]),O9%$(0Z@WWK([CU"NIIR..K+$B(_TK9\=J(EV
M)ZQZ_I/S/Q'=N)$45[#/?(GRHZ>%J?#!4"%5N26;I-<XST*YZL-R869B;/=L
MXI3+#S+F9$.B:%MEA2B\R&I+^EN1W8JF4(3_`.,T\P(DCD^)Y0^05;L(OLI*
MP-V6D+"1SH^@NVVX*<0LKPGPS'U=^TZBO`:E-%U6P>1A,\<6B'"CD%[=?5II
M48>J&.G%9?#I.B9/GIW6+]FHSO#:E]>'[N#HS5>:NL9R2X7'\=K'7;9&<.NS
MXM0&OVV%;XK%;3HC,VPTQ*D3-+VRIC!-*XF-WCS>[ND/%?4*Y951TZO72Y34
MB#5A=L<VERN,^3]GI@&NG#(UH:%Z5'L?C]N2Y*<@$(*FIJ&D1E_+NK>E2J*+
MVU^>=\-V.W5VBR><QJI5CY=$NSS)),=8#=2US;RO>0$"MRY,AROWZ)>_')28
MQ`@.;C2]O;2R.=9;2_(I%%=.?]!.(\[.JDB\"IU&I\HEE[(8MXNNIL5NL4@M
M2(/-)O2`QM?8!P0+I^-8+RKG:R`%F(B,V[%=D:7M6HOQG@TKI-D7_P`J[\P;
MXKOG5>`:+]HY'2K<.&WBR3TT^ON6^,8LDEZ?%K]==-EB0P<!5&9<:D1VGMN_
MKFT>GOT)18UZ"]ZCYGE*PQXZ-5415MG^XU:AV0C7+!)GJ=KL3JDZN5>ISX)=
M$@/%-,";98TZDPXK$LC-CQE:2S$0OYE`*)H#GGG9V^/7!9[I<_@)0;+I5>O)
MDM5V+LPY7:^QXN5/L=BGI!PY-@F&]F[I8?DX6D*CM1X[4G6UNK8TG8KBLE4N
M_P"WGV6Y5"QRZBSP6BV*BOU&!8?MR9*&-V5\IY%V'C1^Q5,0`/?)QZ2"&TV8
MY.D_6A+Y2>^XPIW286WI0:43JO.+I=8A6"4JK4HK5@UBFT"&9LUP+?7R+H7@
MV2T0;39IL"LP`0_EM6'"_;/VVE4YJ`E3_O\`1A6W0TKVG<WCKUU_L?/$6$O+
MH[MG'VCHU9-,<_L"[!7'VJ+U2^\T'603(E):(H$6O5%=EL:>3O2%[=90Z]IG
M;JARU1F^,$&`,`8`P!@#`.(Y/[9D_NA_]E7FY9&9YE'*08`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'
MQ+M.R\Q&D8`P!@#`*;K++Z-MOM-O-[WK>VW4)<1O>M^NM[2O6T[WK?X,`_&6
M&(Z/AQV6F$;WM7L9;0TCW;]-;5[4:3KUWZ?AP#Q+3$7$E(GICK@KCOIFHEZ;
M5$5$4VK4E,I+WJRJ.IG>]+TO];M/KZ_1@&K1\?A,"/!DBF.2PHD"H2Y8Q\>U
M3HT>%0;#/<U.E078R4-1J@<**7IU;>TPI,C>_=M2_7!<2^FE.7"SS!B7&J\8
ME,I[IQZZ;&C4P8=/K4L7(AN%[CIGY08+;D&&Y`]$B2AMWX;SK&M_!=4D,35%
MDYKP#K:J<+G+BAQ]>NI:Z#*2)E0Z8.NANL'&93]EG`68\.99Q#)0(F6T0C;2
MU,BK7[G78DEU#H5:-M(?X^U4315M[FS="M$R5,L))#E714;$0..M19LHU,3O
M08M,+O+0VZM]3BY"MI2K:M[UK`Q+0FQQ.,BT++Q^7-)$&1EKN7U@U4F_JVQ+
MW\J%L=E^:TG4,VXICX469+VA_>T>U"_H],#$_:S=.6V2G4[H<*17!8*]TL1>
MZ]).LBP4Y^K2``FSQILB-.VR]&0)"Q8C[^M_1#3&1M6TZ:3O08D;!/\`C\05
M9J</*\BE;29B@[=68\FH+0Z>Z6-'V>(+-B4J^'*)WT7(C3D-.H6X3;VAS6G/
M36]!B:/N_(_';HY8Q>;1)MTPH3H"Z7JCPIY4:8"\\EF@U;L8\+01T2/91U?M
M34)L>05\)3'U;-D_`VPF;(6Z+5HZ1,%.3G8R9!\CSLS#8GD*6A\Q,K1",R4,
MC_@EJFEV:X\TW/*B_P!;(@:WIQ^/]"T*1@YQ)`K'YVIZO4\XS2U/PU02U4JQ
M5L'MZ*L$]'AC2=>"3$^]A0:1)::8>C-:W'6XA*-IVK6MAB8O9[)PL;+K8NWF
M.6Q9\H_6!U3'G956U+793:2@^G1P<28K;R"Q-#,U@=\%.G'=)>0UO?Z_6"XE
MTF;Q2`+EJ3+Y;""6(A8V)ZDOU..+.E6H:A]N9E[TM$0F0;'PML$4K][FF6=H
M>_6H]-!B7[[W*-0!0F4[SS0NI1*_:P@U]=;U`K,%MQ<2JV45#<W\N&B(>2IH
M?,92VC2M;2ROU^C`Q)2MCJ$J"IFH0:AL:+)D82VJW%#;@CC#!?1$O$4@6CY>
M(39/-:?DM[TEU,Q/O7KXFO7!,2`!\:YC7IU_(CZ8!5+Z>0^?NRYPV(0T;1JO
M@ZRD2^B6RZG5?0(KL9"8&O\`PB5Z6O3?N<7O8K;9D_V*INV9<?=2K'R\\5'!
M3F/J$5\&8$B1ODH@>6U\I[)`J+#_`,4W'7K;*&OUNDZ3]&"%S*JM8G0IHR;7
M`,P:1'[$D!\H./D0IXI3LA]0R;$=CK8E#]ORW5[96E3?O=7OT]5;]0J)55K$
MY(5,VN`9B:VM#E=3*#CY"0#C3&HK;@73L=>A2VXJ=-IVQ\/>F]>W7T?1@%9R
MNU]V,]#=!!W8DB'('R(K@R$N,_`EPXPZ7!>84QMIV'*'PV6'&E:VA;+2$;UM
M*4ZT!8+I-,<&0PKE1K"PPZ2+F#Q*P`I0R#+"-L-!94.`J)N+&DB&HS:8JT(2
MJ.EM.F]ITG7H!=2ZO62"&6Y]=!36X[L=^.B6('R4,/Q4S417F4O1UI:=C))2
M--J3Z;1J0YZ>GO5Z@6BJ12UJG+74*NM90LP>)J4`$J41.1MJ5&,SE;B;W++1
MU*WM$ASW/(WO?HK6`7C-8K4:;/)1Z\#8(E7XLHI/9$P&II*5"@N"X4F?*1'2
M_,?B#'51VEN*4IMA6VT[TC>]8!=[$"=JC*V+';5"9;CPU;A1MJB1VDJ0TQ&W
M\+U89:0M6DI3Z)3K>]:U].`6LFM5R;)#39E?"2YE<]^J]+DBH#\D%\1+"'/J
M9]UA;HOXB(K6E?`VCUTVG6_^KKT`LXU(I<)#C<.HUB(AX=]3NHC`!3"'1'I-
MU]5.):B)TL=Z$I'^(WZM?^(<_6_KU>H%NOGU"<CP8BZ14%Q1@HD!&QEUH,J.
M/!F=(T7#06=PMMQ!173:=28[>DLO^W7O2KTU@5/-DHH"R5TS6UL*#1S4&5!=
M(5Y,466AZF1'8#LD?,3&=2Q*^4?6WZJ0M*FUJ0I*D*4G89&+<EX=S/B(E\7S
MRN,B7"#$1HX9?==FGK&[#EER+<PX3?4IV9(V3/SI'MUI#+;LQWX:$)5[="MM
MYFVL$&`,`8`P!@#`.(Y/[9D_NA_]E7FY9&9YE'*08`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'Q+M.R
M\Q&D8`P!@#`&`,`P?IM0B]!YQ?:'.&CC,*Z4ZRU66(,3BXL24C'P\P4^/)$P
M#C)T=!F-2MMNOPU)E,H5M;6]+TG`6#J?,^N?=SVI=IAV;IEUJ'0B#C_(R\R<
M0@$&HH]//+9R645YWJG1(,&J6RGE*?RJ.RW.FMQG%%GG)K@_3KJUZ'>K#`EY
M_P!WI9VI#Q49>*,7E`+=8B=)K-JJ9&14)'.!/0^,V_CW%[?&:(R'9=0IX?FD
M^&\^RVKVS"+,QJ,K4=4=T-1;W[[OPG8!?2;!,LM:'6.R,D2$:53J2\3/5\9)
MG>4YPS4*DJ21%2Y@\DGR!8A(B)>A-S&H#K;GP]2$_"#7\/B/51\;.P]&\6KQ
M3$A*%Q4KTGOE^Z%*HSE1F`*S*H1V/,"PQ^Q<?3]FI,V;/1'.J6TF*2E*C[CO
M:A:G/_`"J4N.!(,?=_'`8^ID0Y7DMAM=;.6&Q'H=RH\MVJ=2FE[`#EC8G14Q
M9$@J:AUP5$D.PE2-RU1R345:-)0E>!J,GO/@H5MW+^.TU%MJK%AX]XV4[BXL
MNBN2H<.:>J-WX/=)+T!294V?6Z;<6N+K$D(S:I+R8!'T5\?36VW!-7X36A[[
MO.^?9:;2*+9.95*JGGJ,2-PWX-D+G62]=Y<#H"7?MGMF'9CL.F3Z[\Z';6_!
MU.T4=:E?!9ALM/BZE6IG3?@'.:ER"[5KI[5AEWQNRRK`W4W4FI%;:I**VU5'
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M2:/X?$=%R)+RUC9;Z4MQ4Z:4\Z#F=C>+_'+_`,-KQNDFR5'70='"I:A5FL1S
M<B91AY"2WK577:#28Y&UB&_@+F,2"#;A*,N8J$J1(CQ6'5"-IX])U)@Y&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!Q')_;,G]T/_LJ\W+(S/,HY2#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_\/A/X
MW&_OUG.9>%]A8^)=IV7F(TC`&`,`8`P!@#`&`>5+0C:$K6E.W%>QO2E:3MQ?
ML4Y[$:WO6UJ]B%*]-?3Z:WO]3`*;LAAA3"'GV65R7OEXR77$-JD/_"=?^`PE
M:M;=>^"PM?M3ZJ]J%;]/36\`K8!;1YD.7MW465&D[8<<9?U'?:>VR\R\['=:
M=TVI6VW&I#"T*3OTVE:%)W].MZP#W(D,1&'I4I]F-&C-./R)$AQ#+###2-N.
MO//.*2VTTTA.U*4K>M)UKUW@%;`&`48\B/+89E1'V9460TAZ/)CNH?8?9<3I
M;;K+S:E-NM.)WK:5)WO6];]=8`?D1XK6WY3[,9E*FT*>?=0RTE3KB66D[<<4
ME&E..K2E.O7UVK>M:^G>`>TN-K4XA"T*6TK274I4E2FU*0EQ*7$ZWO:%*0K2
MM:W^'6];P#W@#`&`,`8`P#PXXVTA3CJT-MHUZK6XK2$)U_QJ4K>DIU_SX![P
M!@%!Z3&C?!^8D,1_F'T1H_QG6VOCR7=*VW'9^(I/Q7W-(W[4)]5;]-^FL`KX
M!2?D,16'I,IYJ-&CMK>?D/N(9899;3M3CKSKBDMMMH3K>]JWO6M:_#@'YJ3'
M5(7$T^SN6VRU)<BZ=1N0W'>6ZTR^MG2OB)9=<CN)2K>O:I2%:UOUUOT`]H<;
M<]_PW$.?#6IM?L4E7L<1_P!9M?MWOVK3Z_3K?TZP#PS(CR/B_+OLO_`>7'?^
M"ZAWX,AO2=N,.^Q2OAO-Z5KW)WZ*UZZ]=8!6P!@%),AA;[L9+S*I+#;+ST=+
MB-OLM2%/)CNNM:5MQMM]4=S2%;UK2MH5Z>OIOT`JX`P!@#`&`,`8!Q')_;,G
M]T/_`+*O-RR,SS*.4@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`EZ_\`P^$_C<;^_6<YEX7V%CXEVG9>8C2,`8`P!@&MNKMVIVFR
MT4S9+1W<T=MGZJ=TS,^7U*1\U[%J6WK2/@^ON^GZ=9U&E<<B.M,"SX\U<FJH
M^F\[*[,_7,W;?UP\E^7\AMB'\O[5I<<U\'XFE^W7K^'UQ.E>[D(UIB9!T@W9
M*WSZ[GZ=7I%LMX>J'R-5K$7V?'L-DBC)+H(,E3CC3;:2)1+32EJ4E*$*VK>]
M:UO.2K,^+!#@GEM2.=R^4NK[-6W:K3_(M^KE_';I1RQ@;79>J<SJ%Z:EESYB
MJ5HXNPO=G!75^)I\?&:&/&H42/(5N2WD/2L7B;*MY;S9LMCZZY3*OU@8*%.&
M97+GK37:J9+UNQ0J#Y)5,!9:>4M-:@0]3K'!W423C#$:1'@ODT09#[SZBS>P
M6G"INKK=7\H4<)#-4=BRW3L?-.V]O(\\.6MNM23K]:'4/O\`7^7V0NM$88")
M27HAP6Q$<=CI^9?>C_,H5[G5;$5*]5#0Q>S>><9-4&U%/9C6XM+N/SEHF4YF
M&X?J16/ULL,??"6^I@&0W7^?I&`!,)PGI$^P$51I&QS4%^4MZE[I"TGG_EH%
MB6U7/VNX4\.2+]CO0JP&*WSH;TVZRV+-Y>WCG0V_/DZZ_/?CGK"6J;RH+S45
M[;4YMIY,=4D@VJ!N/49B)LG>^H@//'DMD)=&MMO<\9+MJ-1WQ]&6`&=%N%H\
MCZI7!/'B$&-%00%&:?6PC,9LG,?C[?91MY:92B.DTF"H^LNR<WS!;K%],"I7
MDN0JS:!%:Y6@J,K(KHD4*=NMK=+]`O->#TF5;S]CKRPD,?$@,-0E;!D(TF3I
M&MR9;8=WJJ5FG_.-H:!LEP*]R0.N!%?Y6@]0K]!E6*A58%.XBR-<Y0"&`)<M
M@Z=D'[+LAK6RC[L!B4IA*%Q8GM#NF6107DA0N!>,06N">LP&*/XF1!-\J5;W
M7(!]OI#Y#@U+AO6C8RNVTO*-T"G&+8:V+K[>U3Y`UUJ-[WM0_2#!M]IIPY5O
M/Z[<A3)DKN9J_G8``'`I'1!54'<[@$*O3^:6RJ7*TBZ_"9LT2=+ZN)D*+O)(
MNJ2QN2PAA*?9[;T%[M>HV1#%^8,NTR3]>1UNM0HS0:S+B'`?*AI>_7$;`\2:
MY*&=5F`P*F3L)IER_M;V->CQEQ(NU1'=,1A_M$[OP]IA'"NK^3-CZI61\JR=
MMOPVM7_EH?K5/)@:H.$#;3=:".F],*PN@5*MR!$?EW.2LE\F/%3G6V3T.3[1
M\Y2FAK<D'IH;"Z1:O+F5VWI,4<%[S6N(MFQ8ZRN480%LMGA5,/8`$&#:>,SY
ME:W'E3K</(+E$AHUHO/A"42]J<T4:89:!::=99RGO-"#/';19.]LD390X2I\
MW5(H5GJP,7*[AU`7<]=."1PL"0INH^.0^JD:>.W(BRBIQQYO;LF4\\A$'=,^
M\<;5Y*_:IS73AO57*^YP,JZF?=(;P<+4;94;/('03DQTG50DBV&>TBW='HL9
MW<0O48<=8PE"WM3,C=#2Z.)SUR^R>;UUYT%N@NS^0$^I/\DA7"///UCFXR_6
M:U'@_C@CH:18K[-,1Y[(H-8;R0HT=EIN+*,,*TE4N&S`0H5Z>HIFHGFY'FFC
M0&R>18IBV1Z2.@G#%=19)5>YB"M'E7$I9^510E5)+A=1DNN\UD6V%'A-D9PZ
M0[\XVPWJ<N)"=WJ,JLU<\GK&5AD+._Y"&KD.*>1%:MU48!A?R"DIA.(O?&G@
M-<^I)0*R<YGU$*EYJ1.DSG8)=Y#,]UJ<\MO='=ZJ8"1OSR/;-QQIKN0/8H+<
M;&>=?!<Z@I>[B!IW8YX^D\_>GUR1HQP8A8(--3`6GXNIJW-LJF*VZ10ETCN]
M1MORVLWEVUTZ&'X$#Z2.'M\NLS>CU>@!#]5*FC?.>P.1)B8IH(\$`VFF]`#U
MA,?<Z9(?G+GLI:A_)IGN.!'33$UTY4O)\IW#E5=OV^VVBD<^[V/+T$K]64Z5
M5BU'`7/N$4S;>RGX8N#(^N(-7?JF@NVMQ'Y#;B%MLOJ434B#"F&="^Z43^\8
M@WSJ`CG$8S.KZ)?1ZWS8Q,&T-T1M^NBS/>J#<7GI;+<E8ZV-VB!RM3<A/PTS
M`2Y#B$;<<EKH6FAJVX?VTK-6PE`T,[#=P%CYSUP8<(':FZ+C6>MVZJ=U;!UN
MX##E8K,@+<Z-8!56@I)2EQ9II$^.Y%AZBZGRG15ISP-I\PY=Y`5ONQ:]QB_=
MY,:!T&+3RV[M)!D0]LH)3RC\FC)!J2^3"Z(EZG4N5V\#.".P)$=L?J9I"?>I
MM<=H1M4I\,C8PNN^3</M=B.P7[F`HL#LX21`JX8-0!].N55MW43XB\V.T);!
M*/FI(SG*(<EF3\XQ(:6EM]7QG-;3D)A3K-&="%^:U3O/8X5$9O%/I5P\@B]E
MJ5HI-4'VV'!HDVBSVWCUA!P1%BNI2T2.W1@6W6(['U?*J'^+3MC>C$A%.N[1
M5-W<].^2W0^9]X&RKO8MV*I=TJO":K;:A"IC9,I4Z?TROIZ5U0#M\85"Q"96
MHVV:.E-OM/\`U<_7W/8UI]*MKA'2J-(D2'GE4*P$$,Z[A;C4\Q2;)&M4R%32
MDH:>A2ST$U1C8>L52#&E5&P!($%YUV8J%`@/H>=>E./S&&-AW6^HACH#SOJ9
M<G<`;?234N[<:Y]&LQN,/J$NX1>@P>L==(6`'+AQ`VV(E-IW#C\_[/-BX3TY
M%H>&?-*E_&3K=+W7\9DU9;\L*-<@MB+'?(GIJB]ZX*9L%;8K)(-6+G1G>?QZ
MV;6,D$:UMCE16GE(\@M91)!L7]HI,7X3FX#\V+ZP=UY4/KL+G?6@P<3^3GCO
MK&!#G?5Y2-N&3@_-QVY'R9&)M2]Q9\;XGL>;]V_8XG:?7?IE/,O\`8`P!@#`
M.(Y/[9D_NA_]E7FY9&9YE'*08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'Q+M.R\Q&D8`P!@#`&`,`8
M`P!@#`&`,`@0E5J]:>,2*Y6P("182;IH^^$#CQ3QPP_K6GRQAV#'863)O:UZ
M+??VMU7ZJL`GL`8`P!@#`(&NU6L5"$\,J=<`U<;(G2B<@?70X\)"?)3EZ<FD
M'H@V/&8=G3%ITIUU2=N.;UZJWO`)[`&`>5)2M*D+2E:%IVE25:TI*DJUZ*2I
M._72DJUOTWK?X<`IQX[$1AB+%89C18S+<>-&CMH98CL,H2VRPPRVE+;3+3:=
M)2E.M)2G6M:UZ8!6P!@#`&`,`8`P!@#`&`6`T6,#1-0!`Z`*@I?F2DPAL./!
MB:DD9CY$A(U'BMM,Z?G$)3K[R_3W.O.*6K>U*WO8%_@#`&`,`8`P!@#`&`<1
MR?VS)_=#_P"RKS<LC,\RCE(,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`)>O_`,/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`8!K[IU
MQET6IR;#"B19K[$N!&2Q,<<;84F7)0PI6U->B]*3I7KK_ESJ*U.A&Z*I:<IO
M,WH-9>.SH42"\T6F#M,PG'76=MQF8KB7-J>WM?O5N1O6]?@^C$HZ70)U52V[
MM:3-'XAV2ZUV2W"L%/Y5T.T@ICS$>4S$,U^HERPN2[&EI7$D-L38B%J;=UMM
M>M>BM;UO><G2S/G9R7S>NX:MV&N]13L_:QEH;$P9]CL7-A]KB,V#IG$J"%`%
MI_+QLOE=JL,6#V)LNA\&G;*&/EATII)!$Q:1TXJN&1"T;R_ZQ9?L2!BE@OPS
M'5?&XC8[!;K0)&VM5*Z_<J%7H]*I`873HX6Y3M+CE/KM[>A6V(Y%I<5&E;2V
MT%$;QO7FS91G:S7%>>4>F7`D^=&U.J6`Q;;36`K%FA6_G]/O8ZT..4*<N0Y6
M)/18SR?J;ZQ86J.J,X^T\Y_B1%'"K(_@7EY;_(7MG-F8@<!2^<G.9=+*.5E-
MO:-W4G:00+QML:IQH(JN0-0*X);ZR\P-F1YBMRV5HD/LMZEL(:%<4EUFHN;_
M`'C%J%TV,:OG,2Q?G7.JM0!O4NURR;XS;5I*4;F9*66E#]U>+7I#5ML_4A[`
MUB!-=<1'CR),A#"'8K:P<57#,S4']X)T"?-D*L?#1E!K$&Y7"MF[K;KA9XE=
MK<?D58[:=[(W,<A\YFSCIROKXC)=@L"V94=^"2:4\\S(87'<#2N)`[^\HLT,
M07,D^1UIEOG9MH%TX0[?BHFUDI!6U]!KH5?*JR5I34VQ2XT?GKT@E!)*&2HJ
MYC;6M*VTYO8:#>HKRPZ02XQ0;K-Y76:=>NC]0F<ZKL.^7,U5N<+@1J;:>A1;
MQ*LTZF:M$.OF*[4WXD1#X9EYXJXVG6OEUH?4)I5<,C!*_P#>`D+RURV)2^:@
M-6+J9R6/A!+1T!0R37A;%RXM7&RQN.-K!:?ZNC.LN2FVT,Z0^]`0RAW29/QF
M8729=VCROZ)0.PZY>,K?/J]&8O?'&(A>_%[,IVY\KM1$2.Z;=:ZH"&6#&RZ>
M8/1Q+<*5-<G-RM(DR(R8DR&MRD44U4U54OO`+Q:[8$<:IO.XG/V7;!"L4I^Q
M6V`;,-$;!XB:Y]:ZLFPU0"Z/"JJ7E"W*G1BD*/(?^42ZWMEIQ.MBN*2-[<?\
MPV.CVZTC;(!`4>JC*)=KW4CR["0/ZO(#FUXG4^^V09/&U_[/Q`E3?^11-C.2
MME6W)S+R([D1YE]8CC0PKBWG":Z=>Z15CM#!U2N6BW6FCMWI)JSR1QRV-<ZJ
MG6*'6:\%GTX4>#E+30+2HCI=@9$QW6!KZ8ZG)"VXV@<:(PVV?>$62%<[[3J+
MSJEW#[-%#DL#89]VM57"EZC3ZOY'F;:I[4[G<@BY88)OQL(BVE167Q+LB;M2
M);C<):I`J@;![GYK6CE]P77:=Q:??H(G@B.Y6<FZ;G@V!`\V#ZF0K3+Q)BLF
M0<,5#*\M7%+R7Y*'VD%8[D2/+4TZUL11JL3!Y7F_V,89^QICEG%Q=LFV6VU\
M3-G]KL,&EH9YX3[F$M9`R8F\LCD(;Q$EQ?\`^*HK45_:VB/J^XTJ/M+HNE9X
MF'5KSWZ&D<=GB>>Q+W[S\4G"KMAMR:Q?'4=>LO01W*J-3`0ZJE(E@:J*Z,M@
MY)>?9=:8>VXWIY4=W2@<2[1]Y19K+(-$>:\,1::.V)`DJO="%K-!PAD=T4](
MB<CN)0FS1B8T/2[F$3&=W\)V841*G(2U$>99>?U!H-M>37E?T#EY6WT*I5FH
M)."N:A'W+&7MDR(1AWWIE<ZX]2"%7JNJJ4^TE0JI?E3[QF0\ZRXF(\IQME?R
M;Z%TB2>+,1[)Y!=7YMQ=%&J<JON=$`^&A3L]AZ%;[S*09E%X->=$#MT1F53Y
MNKJ93;F-2"<J:S"9@1I$52F'%RT-MBI)OVD#>O/:\@1O01!&@58*5Y]%LE3N
MI"O](VX<1<IQ3ME:J1OE8VQ<\D1+``%RN/N32L@I&;^1;E.;U&EH@/I?#2C(
M-^=705S^?QJ[QN!=&.AWGHH`")!VPN1O,&J\9OM>YI?Y]S'0J0@'6[O-*6#1
M6#`>DM#FQL5],F8R_I"=AI1-=D\Q.F<AZ/UZMJJ7*C]?IVF3-4V2O!RFEEUJ
MJ\6G]=Z#'L<V173HQ=G,(@[BUV/&0EEQ"9#\E:415Z6"BFD7/D_YJG>13?LW
MSVN5<W8R/(+3=&OM?)M0W['697)NP=/Y^FV1H%>6)DA33?&B4=Z)&*:*[VEQ
MS3333/Q'A%&N9C<?S+["!-VP%=ZUQ%U0TM>HH@K6K5T:2REP+)\=:=1:XH)$
MH1XX>/WOHOD%#8:6PF,RW%:3^M]7?>D72N@B*QYU=3ZK7*7;>>4OD=;#S>J\
M`YE<!UZO9^=;69W4'*9/M,T"%`UMF&BNQQMOU$#$I4OUFSHSVUQ4(3K2@TI&
MQNM>:INC]OG<6IE*JMR(/S*I41!0E:+-6H8OHE@NO":Y,"6N2Y1B$-R(.K_?
M!A97U.X3>0TVVT[IMV5K3`*-54Q'EGE[T#MO9^&BX8NJ4:E$#-XJUV`M7/ZW
MMUCN(3AP_H4EP<"EU6`IWFPV;8F4PR:93$UZ1%]7HS;;NDZ!Q21@M@^\'[3(
M`6)=.X56/K:#Q2X=;T?FVJUFJ;4H"HW;GN>$;=.B4D/'<&NN<36R989EM26Y
M9N.U#^9;B2W\#2OE,@OOGR=K]GNP*#5PQK\G#)PY"GU:U3QM?O,VDU/MP^ZT
MPI.N'.%3&!HWI'+'H7U@);=;TXWOVR'-1WF9(:3NCAW2CG3:Q89=I!!Z_::=
MT&[<ZL<&NF9A^ONE*:9='+GAB9$0!(O0IT;;3GM?B,N-.;6C]<E*5J'+5#<V
M"#`&`,`8!Q')_;,G]T/_`+*O-RR,SS*.4@P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ_\`P^$_C<;^_6<YEX7V%CXEVG9>8C2,
M`8`P!@%O*B1)S.X\V+'F,*VE2F)3+<AG:D;]4JVVZE:-[3OZ=;]/HW@'F)"A
M0&ML08D6$SM>W-LQ([49K;BM:TI>VV4(1M:M)UZ[]/7?I@$?9'P\6NGY5AB?
M/@(P4J^<@_5,D]\Z'9@ON$XGU'#B3Y9KYB$E:/E&F'G)/K\-+:U*TG8&JR5*
M\?*M5()>9S_EHRK\CB$3X-EJD5AICGVI+;1<@_7AC0I*ZT1(J8:<4B*VR_(>
MTCZ%+]N"XDH+K7%K(,HU^C4[G[T:#!'V6AGI]4`19U?9/1@^X<X(_.'M3:[,
MELQH+:M-;9=]S++:OUS:-:#$N*^(XK8"\SH-6%<O-'STUYF?=@,"J$#!HC3Y
MFA3[<NQP&G9I&96)XC4=6EO+7#=C:1^LVWK6@Q+8'`XT*Z*<C@*O2@O1`E0H
MS94U`JHD06^R%GDG`-(#-V1D?'<FCG':+(CQX+;ZTL)BM)TVE.VM;#&G41]M
M#\%I8&Y]"LE2YO%&AJOH3<#**G7IDYZLTF,@M#J\WY8>[/)Q0+8YMR&,WISX
M2VD?!:TK2<#$F`E?Y"6E%[8,IU.C&+0[/G6(G/I<`%9CJPS)*G3"1])82/.S
MVXXZ9)@HDRDJ0N#)4E"U1W]>\,34EF\?/'1RX<-L$M%3J$*E6-W?(J("B<]J
MU1+W1V$3/M.`H\6NQ[#*+HACGIRX(LBQ%F('I=E1Y"8^MI"KQ,ZCAO'R1$F<
M+CTWFJZNP"$7>30T4VO?D]<&V"U%8(LBD;H9]DY$V9;`CZM)2E3_`,TA+F]>
MY25;#',R*4#XK7[2FQ3`W+PMUM)H/7$GI(VJ#K18;#!@:F5\%]:.,LE2IF&,
M":=AQOB./-L1-*:3I+>O0,?83<WF?."10R;(\_I$\U8UUYRPEYM4`RBAYRI2
MXY"J.&2#\!R64769\1I\?M]:]PGFD+9]BDZWH2K(AKB?&F!GU*QR3F+(;WG7
M/JEJA55L9\2T0&A5F7\@@5J+[[$+CMQIV_9ZRXZ$MN^]&M:T+5DO7>9\WJ$U
MXE4^?4BKD9`>'7I$^NU0"$FOU\<MQP>#>E#8$9]T/!<=4IF,I6V&MJWM*=;W
MO`JR/`\=Y'59P@I5^6<XK9.OZ*:`D0-'K(><$T<;:9-:$2QXR/(&Z,,L(1*^
M"I'S"4)TY[M:U@59?1>8<T@D#):%SRC0RMCF2B-A)Q:D`CD#Q"=#(#IL\S-:
M'HDE)DP>6EL.NOJ<6XS)=0K>TN+UL*LNR_/Z%8"`DN>I%1-E0`\F)!$R]:#$
MB`46:B?(&!HF;-A/21P\M!_Q$EEE2&WV?UB]*3]&"&*7OAG*.E+KGVTHM9/1
MJS:';=&'$0(6:,)%GQEJ'N:/0)H^3&,1-O7*;.^&ZG>OK%2)/K\5/NV+5HFS
M?,:0:>23U70@FUPX%EA5Z]"0-?;NE/>ML5Z,;*U0[-$SG1!2:I[XKJ])4A]U
M.MO(=UZIV)4B*WQ#DU6%TP6-Y]4GM\_HX/F]5+$Z^()V`92JZU"0+`-'9D)T
MG]7M.CVGU-:<TVN0C3NT^_Z<%JS+"M&I1TW`LIRGU8S8Q0TF&%GRM?$D38T0
M;87&,BH!67$>G0QI>,XIN4PVXEJ0A6TN)5K?I@A1/\^H5K6#<M%(J%D<K.Y>
MZVX?K08PNO[GP_JZ=L&HC"DJ$[FC]?`=^!\/XC/ZQ7JGZ,"K*,[FW.BA2,<)
MT&E$3<*-8(4,Q.JP*64B0[9I_5IB1B$B`Y+8C674ES1!M"])F?$5\;2_=OU"
MK+"5R'D\XG(-3>8<[F&)=A$VZ66E4JM2"<FU@(JH(*SR)[HQ<IZPA82MLQ)J
ME[DQFM[0VM*?HP*LO#W,N;6J:\2M'/:/9",EP"](GGJF!,37W:M(GRZPZ]*(
M0)#[KE<EE93L!2E;W#<DNJ:]FW%[V+5ER7Y]0CYV):#U(J!NS0!DP)!L1>M!
MB1V$&(M2F"`B(7F0GB$89.9G/H>CH<TTZEY>E)WI:O42KR(G7'^2IA%1B>7<
MZ2..BXP,X/U2:UJ$9"PH(@9##E8NAGP"(N(-`0([4=Y*VFV(4=M*=)9;TD6K
M/Q?'N1N.QGU\LYRM^&&$UR(\ND5E3L6O`3$>P@P,9S8S:V`P8_$:G1(J=Z8C
MS&D/-I2XG2M!5DJ]SKGTBS/W1^BTY^XRFAS$FV/5@(Y9I#(>3%FB67SRX*BC
MS0N9!8=C)4[O3#K*%(]JD)WH0_(7.>>C;!'MHZB4V!:H8O0.)9H57"1;!%"Z
M<D/:$1S+$%LBP+T],>7\NES37N=7OV^JE>H5>706\SE_,R,H?-(<[HLZ:)#F
M*\*ES*D`DRA@"Q-/,6`&/D/#UNP@YQB2XB9&;VEF4AQ6G$JTK?J!:C^0\G$.
MD'Q7+^=C'R[49DL\/I5:A.DV88UP-$:(.1AC:YK44.\N(VES:M(C+VTGT1O:
M<%JS.(8^`.U)2/@PX*9DR00EZAQF8VI4^8OXDN=)TRA&GYDIS]<XZKU6O?TJ
MWO>"%Y@#`&`,`8!Q')_;,G]T/_LJ\W+(S/,HY2#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_\/A/XW&_OUG.9>%]A8^)=IV7F
M(TC`&`,`8`P!@&`]6J4Z_<NZ31!<R..)W6@W&I#B$OXWRD&=8ZZ1#Q)DKY;2
MI'R\:1,2M?P];7[4[]OT^F"K!U/F/;?NZ[=)BE)`%/$["^<<Z7-M=/NPXW&I
MG1#M\MGDE."62]NCP)B69+<_"=P@/#UOQI+GS8E;#+D5"H\N..E+C4K%_!CN
MLN,-&L&^02TT&*^OEYN>6M"W(]J,=!C7]ZW7*GEZ'::L?&U)S3L%@`[\=LPT
MKYC4\1+3'>B!J1!WCP7LU5IA[[(B*6,Z(?N]1HO/+'S2K$'9E>I%W\A.]F>L
MGK$M@,*34X9?A?D"0CD/8^[&02&,K5(E*3$1L757L-Y>3/A.<[9?ZU80IH1"
MI`8;0J[,HGUT]5'9(JN">NAG2XZQ?8;H*`MAJ;70HKX)Z-!;F-.HD_!FCWML
MRDCE2H:$._=[=OL3W3R5C)<"N1#H6K5!6*L4,I#IS)RU`[(%WW.'6JYSP6/`
M=,K[<V+]7PD(FR4-/R].GW7?8^N%U(R/H/@C9(8*]7)12H$K*]82-@DSH-3M
M%EL5BY\S4+_$?Y+/C@1$^U&*I;+#98NB@R$U(0_%T\XB._(0RVJA261FE,\<
M>@7/QPXLV,HG+>87VD=W\A>OU:JW"IRI59YZ*ZH1\DQ=->`5HM6$D(<NN#^N
M"C#0J8/%;>U"W#?;'*5[(X5H_8:=D_=L=.*TYH&8LM'^3^U<TQ.Y^)LCH\`0
M!%_RLL2@GVK5Q9\.*D`I'34EQS\*EL-L%(?K':A/;:FLBZE6J-V5_P`$RE.M
M-6N0>'R8\7`=4UTJ?]I(,_4T\6_*GY$6F+92EB57C!"9>`E0[1"98(.-*?<E
M#7&=/,,+;=;$U'TC$;+*$C%'FQS)Q0Z%LRR(>DR1+1;<9K9%L9(F,19CXY$S
MWZ86ZTVXIO2=J2E6]ZT."1P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@'$<G]LR?W0_^RKS<LC,\RCE(,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`)>O_P^$_C<;^_6<YEX7V%CXEVG9>8C2,`8
M`P!@#`&`,`8`P!@#`&`,`\I6A>UZ2M*MMJ]CFDJUO:%^U*_8O6M[VE7L7K?I
MOZ?3>M_JX`2M"]KTA:%[;7['-)5I6T+]J5>Q>M;W[5^U6M^F_I]-ZP#U@#`&
M`,`8`P!@'CXC?Q/A>]'Q=HVYIOW)^)MO2M)VOV>ON]FE;UKU]/3UW@'O`&`,
M`8!X^(C:]M:6C;B4)<4W[M>]*%[4E*]H]?=I"E(WK6_P;WK?_%@'O`/*UH;3
MM;BTMHUM.MJ6K24ZVI6DIUM2MZUZJ5O6M?\`'O>`>L`8`P!@#`&`,`8`P!@#
M`&`,`XCD_MF3^Z'_`-E7FY9&9YE'*08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`2]?\`X?"?QN-_?K.<R\+["Q\2[3LO,1I&`,`8
M`P#6_5W;6S39:Z9HEL[J:.TS]5,I?F?+[E(^:]C:FW-;1\'U]V_3Z-9U&E<<
MB.M,"RX\]<GJH^N\Z*Z,_7,U+?UPPF/+^0TQ#^7]J$MM:VS\3:_;OT^G?KB=
M*X9!5Z3SW@63.<.[,%"P2!,P8Y1T06)&B%2$E2!,A4#$2!!&*B+;E)(2Y3R&
MV=M*2YIQ6O;O6_3><G2S/E"-`>45`+QK-(J_:MS.:<7>\1:K80:2)>2\`J_3
MN(3&>_2!*:7UUTU(M]<,/ZD.-5LL8?:K\S;:&M:=D-CO#JS-@<[)>;)I(PZ7
M8OM#D$I''B]M!!^84H(U;CMY5XTT_I9>QOEJH0,1)E/KAFV3$_*OP_DY([2W
M_B,0-1]AW3!*I<?+^=!Y!1)=<[I;!(?E_#(5_>ZYSALH^=NP&P^/YZQ7J1/D
M<>J\0<<'E2%H'.I?.D"#KH-XAN!'93"G2`[O4=)UH_Y;!?'V^OVDKTJP7]AG
MQ_,-6)/.*8KH(</<@G-IOD*BA4L)58%>L9OGC<VQ/!ACXTC+3.81$6F>I+;*
MQSW:G/\`?/(#R."]#CC=&_)*F<:.VNAT5FUS.*P[#TB3'02!Q&;#3@TCQZ%0
M%&NEU]Z<1E#HT:T$!;3#JWHHJ2RJ`@5)4Z*EH)/>8M?DN7BVA>W!;%9Z,4$E
MZWSBE0(U18MYDKXQQ273S\$-R;K+Z[/7`Q2PO:VU!)2I4,=+B0([JHRE-B]W
MV&Z:)9/(H%XQ=%N]AIO2AW9>B7SCT\R_7JOL9:`[Q_C7CU5[M>FZHGG72IVQ
MM>+#2>B$0?6",EM<:0VS&9VWMQ@1TK3H.=Z'</,X5()$GX'>*Y*OQJA6OO[4
M;A<);%)KY/GWBV*M'0>.:D4`N_9NEN$=VJ-+"-_76X:(<I:`Z%P8B9(KT_#V
MF9FND_>*:J?R_P`C<QK<$?0;*7NZ.9"VK)(I_2R0D!'@PZW7N:=+(L=#YPFB
M%BEF@PJT4?@L6R+KY/6F$?+B4C4W[U^W>6X<ER`?47[.0/3>;\V>=52^9-2N
M>WOJQ"Y`1?78_2R%DK<XKRRJ@>>/RBP1$J4`<5+4XVXY+?C(@K$5,>!=^-E^
M\F.F=0&3^AM],JG-0E+D[FBK1RJ!06;1?&>7^.$>>T0<L%5B6=H<.Z$?O#D7
M4)<-F;*BK]CCT&*RE8-)+K.7B?0/.&I#A5.H+?D38#XL1WIHK9[WSN#9&#!>
M<[Y%RZ=*&[5QB$'6NCFZS4&QC\FP-12L0K$:C#I\5R1)2.J1SP*W2>P^80+H
M%FYK3;OU2>>B/6]RR1R7*0,MBK<QK_5:W4J#T_G!:G\/NI6]EK-4)\239&8(
M>QM0Y)";[80Y<5+<4$EF;=X^=\I*OVFLAKV>[+?0=CZWT2/=@SU`("Z>'A&.
M=4LW6+M7+N6Y?]3QN+@2+1"*Q7EG1AI@D0;_`,;->BRA^H1T:JC'+)T#S8M?
M4NJUZHM]FH5(B6"RO!9JN=U8Q-%JJ5/\EOJ876K#9..#ZP0K=^L5-HTU"8SM
MG=;C%F(VRC4N7)::HI%+X=1)\TG^2A?I76.DVL3U%OI0OQKZZ)%A2W-(@GF]
M4N*.AK*<LK?+R^Z_"5>Y5AJ(T=/GM/SS>VYNU-+<BN*=A-`Z4IT5(8E9?-NB
MA"S1(_W7H#=@AD`C)]CG%#BE.?RXDOA4L/;XT&A<+MI,M'FR+A;HLN*T`+NO
M1H+*6D0TP91#!>ZS]9O_`)OPJ6FU6IKL+Y&]@="R`"N\ZK([\CI.,[X[LP;2
M+AA^0=,N9!I]^T7-9*,L989#[4?V1F8B("Y2(3NFI)_??.E;X`%(G](#])LE
M&B';G1OR2"X@FJ4082\581OH7/B(WDU]LA;H$2-T.S[+BF(=G<&R7'4;$-*@
MPVWA:1]AUOU3?DZ2KO%H7QI]KVSQ^JV#J,<'S&#(J]OZO&ZSX^PUSYX.VUF/
M:P&A58(6<S%%-Z$R6EQOB/H0J'IM-.53$YFJI_S/>Z!.MDV/T8%%F<+L?.2W
M;I?%REAE'>L5FQ]E+<OLR.2KYW5KD!XE)78'Y<D>S7Y%AA3HPJ"N1.'2E$YH
MZ[M/:=#=`Z!YB2.,<`L'**Q>Q-QMX$V)OXBVURMV6SULQ6$#^A0+/:4/4ZG:
MC1[U6>;FZQ'TL,&>20N0U3P^%-:2RR.:1KB<^6ZM>4O2G8A*Q,]FI;G1XTLI
M*KU6H(-H1%L)]'AO=JKJ^0]5`JR_9>0!(]I$PB)*0W'U*KKT5U3^UK8DCI4^
M'M-@/J\SXAV\20S]_&R@`BWSX]DB\OH#IGL,WFQ$B)YF'M\YZG+C2V+0)TAZ
M4D2R,=DZ=7\HN(A>M)$6DV!Y(W_R[K_3[G%Y##Z!+B#J\U)I5>"<T%6/GQBI
M(Y7?S-IMDZWR:W-D?E7%=4&"!HP#]:,JEQ76=-C9*9;\E@1)4Q-C\=OO>[08
M[?T"T"^HKI@.L69[CW-BM!!\](VIYOJG<$B93"+16AMI;LLZA5>K,0&";\>.
MS'((D2XVWI*E-@TD</!_(CS#T9^SY`YUJ#918M=QJ->-\>A-C+-47;Q2XMI+
M=?LAWC'/BE7"U"H$[$V,F+&U-HA,%)VWJ<MMMJ8.J1)B@]/\ZK_-Y.R*M724
M<NN,`,39Z7=.-+K-ML9@M4>.$+Q6S@&M<1(Q*J"@23UL352LQ-8%_.LMN/%2
M,6"TB;`U%=I!`W_,FKU"M6BOR_(5^UIYK"#34'.?-M3KI9T<N\*XMTN/4(K7
M(S9DIT:I0(O1&P$V2.=^:(!$0V(I):T0YU'=;IA3^DZDZ5T+RKK7(O&MJOM7
M6V=*.R8)&]6^H<_,:"DV1]BJD5%<NU,,<6?LH.;:ZD>F2G7Y4.BPHKPF6MR1
M#=5"@.B*E7P.H?%F/<(7%*V/OQSHEBN`TM<QIPKU.#J%<'Y$&Z'XS"9"D`:X
MP1%-PFVM#YC+"V)<'X3K3SR%)<4.99G0V"#`&`,`8!Q')_;,G]T/_LJ\W+(S
M/,HY2#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7
MK_\`#X3^-QO[]9SF7A?86/B7:=EYB-(P!@#`&`,`8!;39;(^'+GR-/JCPHS\
MM_46)*GRMLQFEO.ZC08+,F=-?VA&_8TRVXZXKT2A*E;UK8')]<\N:E>.J4F@
MT<7)-@[<XW!?LA!LW5RH`W'&]^DG0)>EV2OC3H\H")<,5%=9E:CN;^L=.:3[
M&T[>%IQ(A?G;PZ`Z<F6259ZH`"&;A6%O&Z'T=5LFV&A7#J54M+\*D":43)RJ
M7$8Y`;(-FVG7(^XD%_;R&-LKP72S(9GG!XP#8<0@6Z9L-"DPCT^1(-4V_!TA
M(]?;-O/_`&J02JT5VH2"[-<G+$,E$PWCB8R]CTR?H]0TLZ7KYN)90@JP0&"T
M6$8@QR$6.="&*V898DMZ<;;)`+!"&FQ$Q*5?KV)4=EYO?T*3K>#DNIHP:3W"
MV2'02&QLYDF.W-B1Y>X!*,EU$<C"V^VYN+.80\O2'D>UQ.EJUK>O7>`7V`,`
M8`P!@#`&`8J&HM(KAVQ6BO4ZK`K+<'H\BV6$-7Q(PY:'X>G$Q'K"6A1&)YIV
M*EU>FU27'-H]ZO3T]=^H&58`P!@#`&`8J.HM(#V8Y=1-.JHNY6=B+&LEM'5X
M3"LUAC04-MPHYP]&B-%"S,1ME"6DONN);TC6DZUK6L"K,JP!@#`&`,`8`P",
M?"!I,M\A)$#)$^4,4$E37X$5V7)#+=<?6(?DN-*>>&+>=4O<=2MM;4K>_;Z[
MW@%Y%BQ8,6-!@QF(<*&PS%B1(K+<>+%BQVTLQXT:.RE#3###2-)0A.M)2G6M
M:UK6L`KX`P!@#`&`,`8`P#B.3^V9/[H?_95YN61F>91RD&`,`TAY%=%O_(N1
M77J'/Z93[W(Y[6;3>+*`N-V,T1AZIT^KF+(5^HRH:E7E<NPO?5B&8\9^/&C+
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M;5VBK^N4'[,Y:*JDM.%:,^?:]X+-[EEW<1E;?,+5F]-V\?\`A.2[7E'51MK5
MC2J.FQ'D#R&;=:QR:;T:H1>Q6*LA#Z>=H(.;,:=+55-O^KF]J:7":*N`4/$&
M!SLC1)X8RJ4EE3"5.Y\>YRO?1V\]]&U<>PA-KS*882TUXTU4BY4TJ3TUK@?5
MAS'92OQVCNP6\E%/17'&.JG;IJTJUTJM*8EYT7OO%.1FZY6^G=/J-&.VU&GP
M(P_/7'?DPE%(@-):<MIA^.!`+-SV(6B)%<2!N8ZEG3WQ=^W.=IROF.^MSO;.
MS<N6X>)Q731NB_.E1-Z8UE15I0ZW/,-CLYQM;J["W<FJI-]%4JO@JM+4Z*N%
M36?#N_/=I[MY/T$4;J+]9X)=*US.#7A]>M+-TD6"33ZQ9+#:C]F*S8]?=$J.
MG)@6(,AC]/-+%JE.2G4/MIULYERM<NY;L]U.-SS=U;E<<G*.C3KE&,8Q2U5T
MQ4W)RIWJ**:9EV',OMV_W>V@X>7M[B@DE+4WIC)R;>%-3E%12_JUKB?O+>W]
M5[78M63GO*J:CQS3=K12X72;7TLH-Z)=HM-,F*H>OM#YL)H)@*NF*N`1^(-^
MM#T&:4B-*FI:9:4REUO>7;+EUKR=U?N?>WEQF[<;:<(:TI1A.XYIZ]+3EI@U
M%]VK=:-IO]UO[GF[:S#[M\R45.4VIRTMQ<X04&M.I-1U23DL:)4,D&>6?C(9
M'7TR-[KS>0&Y?!:+7\PL\F((K0-\ZNKM6204FLQH!"J*LK2A^RT)R2,3-0IE
M3^EZWK7C/D?.+<[5N>VO*Y>=(+35R=-6FBQ4M/>TNDJ8T/6/..53C<G'<6G"
MTJS=<%&NG57)QU8:E55PJ8F>\WO&4&+YX<;Z7"/!NE=:1Q8//`#34WZJNN@<
MBQ2V+,/<&L%P<:$,3%<W\:/I]]HC%>8;=CN[>3[V_=WG%R=VV[+C<LV/-:DT
MJPU:5I=:.KKDZ+3)-IJAXW.>\KMQMS5U2A=N^6FDW26G5WE2J25'E5J2:33J
M9R]Y0^.<<ITD-)[5SV*1XZ,)FNH-2CB(T>EB`12.#L),J1>:0,>@U@Y+:A%G
M8KTA(J8ZEB9MAU6D9F7)N;.%FXMO=<;\DK=%XVU6*2SK))N-4M2QC5&A\UY:
MI78._;4K*;GCX5%TDV\J1;2E1O2W25&8#9O.3QBK5>J%J3TR!8@-Q[$`X=%F
MUH>7(N!KL?@H+,_:$>N!'*"Q4<*^Q.^-MA2I<*4R]#3(;<TK-5GW;YQ>NW+/
MDN%RWMY7J2:581=.ZZT;JG&E<&FI4:,UWGW*[5N%Y75*W.]&W6-724DGWEFE
M1IY5:::31NVE]@Y?T<_<JO0KN&MISGT_8JY1`OSTF.#)HFS1K\!9=4-L*0EP
M2@R3%E(AR9"HDIAQE_X;J-HU\[<;#>[2U;O;JW*W;NJL&Z*JHG6E:I---52J
MFFJHW6-[M-S<G:V]R,[EMTE2N#JU2N3HTTZ-T::=&;(S(:A@#`&`,`8`P!@#
M`&`,`8`P!@#`)>O_`,/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`8`P!@&)7ZF
MC.BT:Y<_-2BT$/=ZN>J16:!(."C<0=8A<H3-DB";25K@$F(\M2F'M)5\-S6M
M^F]:]-@G1U.=.2^&7+N/FJ[8P):VD35<-D[#'>F_8\.+D$R[/5F9GI6J73ZK
M6Q8Y*.Q%=,Q1\6(PUIN-Z)_Q:_BCIR;+>?X5<N+&3YHG8>@S'3<WI4EJ-];@
MHT4-%ZK^6E^T#!ORM:9DNPT$N_6.5$5+<DR&7'8Z-N+9CI;V&IEM(\(.3;OS
MW2QT\U!MDL44$39Q&O\`++KIYB8/(PACT/\`*#SFV/`I-?<,2W65#EQ-3-2%
MLS]2X_L90)5TIT&[N*<@%<-H0OG5?LEIL->!H0R$1:G@;SH:)IAI+HP2@""`
M0X(;<W3K[$-#7RT#3WRT1$>$U'C,@W4VW@@P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#B.3^V9/[H?\`V5>;ED9GF4<I!@#`
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M^\!ECK<]?.>S@/2BWD;5>SU+E]5JC`<])-#2%FWT]@I9G#$8?"'RAC:=/RU.
M(6WMCS;E&WYC/F$=SYD+]S9)QT34K:L2M2N2E6-&H^6XVU%R<E)X1ICDEROF
ME_80V+L>7*S#>-2UPI-WHW8VXQHZIR\Q2GJ22<<W5&U.?^,5Z`>04V3?`/=C
MU.F^0-5\DZ98*AU;ED#A-;L(CC%7IJ6^C4(DF+U:5<*L6`RQ#2!OSXXF+E15
MZ=9;;D-(Q;KG.VN\K4=M/;1OK:RL3C*W<=Z47=E+]7-5MZ)*2GWJ2C)2P;:9
MLVW*;]OF3>YC?E9>XC>C*-RVK46K<8]^+_6:HN+AW:QE%K*C,X\D^7]EGVWR
M81S_`)0GJHKRO\5*QX]0#/VKIU?&\KM`"1V$5(E]%B6HN-*RN;31W7&S&G0<
M<M.^=%.L;A_$>CN[S\HWO+XV-G]JO^1/8[V5]K3.3N1EY3_5N*:5Q.UHI-Q6
MF2>JB:/?FFSWL[V[^S6?.AO-G&RGJBE;DO,7?4FGH:N*58J3K%JE6F="^/?/
M+?S2U^0DFR^^6.M?7*/8::7?G,27K,!K/CIP[G$L[*C,R'Y`R1+LU%GMJ9D>
MQ[>F]+]-H6A6_D\UW6WWEC:QLX3AMYQFJ4TRE?O7%%<:1G'%88GTN6[:]M;V
MY=W&$[T'%U\2C8M0;ZJR@\'B:<XE5.R\AJ#_`(G%N3V(M0H4SIU9YUY(U&W<
M^55A?+[L2MUAJL^]5,Q:`O2!%_HR+&@3)BC192,1=BMS&)*$.N(9^AS&_P`O
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MZK4Z7/MHUOR@\(^N!@X(]5QUBM%1XS3C]5ORP[5C.`A;!6NO&V7&8\^5#^;C
MQUZ84I6D(5\+E^^V*V%K97KBMS^Q;RTVU)QC.[.,H5TQDZ2HZN*=&\>D^QO=
MEO'O;N\M6W./VK:W$DXIRC;C*,Z:FE556#:JE@9/XVTSJ-%ZGU(+!I-_YEXS
M/0RYZKT#I=PY[<4C.T6CI!^Q7`SQ%VEGK*>KW'K2*(N%)0P[);5',SM:@18K
M6I+6>'-]QLMSLK-R5RU>YQ51E.W"<*VHVXQ@KVN,5*[%K2I06,%WG)T9[\LL
M;O;[N[;C;N6>54;C"<H2I=E.4I.UI<FK<D]3C)X2?=254=KY^>/NC`&`,`8`
MP!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'Q+M.R\Q&D8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8!Q')_;,G]T/\`[*O-RR,SS*.4@P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`EZ_P#P^$_C<;^_6<YEX7V%CXEVG9>8C2,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`XCD_MF3^Z'_`-E7FY9&9YE'*08`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`2]?\`X?"?QN-_?K.<R\+["Q\2
M[3LO,1I&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`<1R?VS)_=#_P"RKS<LC,\RCE(,`8`P#1/7
M/)3CO#;KP7G71[,\+NODOTG7*>/5^`+FEYMAM21^R,M^<F$A>@=:&MK8:E$I
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M9!NQ6H/<JV4K-?<%1FYI1LX?@DWQ`A8V&\AZ1J0\WMEI:5K]$[UO8&M&?)KC
M3]FZ0#:NE>="\CX_5^X]`Z!'L]3FT@%0[CJT2@9%4V`>EEI+#H2H32+DMN'L
M<B+\'6I"GGD-;51:,KTSR:X/>X%^*A.IT1H7S0AN/;")6Y50=$@!71M>*B[N
MXZ\:_P#"40_&L\1(\I*U'8E.JVA/Z[VZ433%&7/2_(7FO)2=,'6U^QO,WB"L
MP/.5BLD+56PU>3:J!246BTF`_P`=H+6I%IZB"B-S-)>0KY[3N]:8;==1')+,
M)5Q,Q=ZMRICYGXW4>:M_)W+7.I>U7ZI:3&Z$I7M30WU_7'M:N:E:WZ"U;U.W
MZ;]&OHRU1*,P>\>2?&:*T`U)O-=LI:TVUZD5^K4FPUJS6TO8H2)NRT(=789I
M)*<X`?A;9((90X[#?<0VZA*E>FE46C)@_P!TYE6>;]"ZB5L32@')J&]T3I@<
M0EL_=Z.$CU%=X>'6&EA7IQX?:OL\TMQL6XTF6^XGV-I7O>O554J*.M"!:\GN
M%+M3]1D=""B9D3B=*\AIQJP/(KM,'<JZ)8%UBF&R5S-K@5T>1.EDZTU`>?1+
MTTXVYM&DN(]RJ%&;%7TSFK1)09SHU`08181E14)5=*SHFFV&X*B@:K;'[*?-
M_:0L,1N3&@>SYI^/K;B&U(U[L51*%E'Z]R.6P`E1.K\PE1;6;FUJJR8W0:@_
M'L]D&O,QR-=KKS1A39P]`D26FWH<7;LAI;K:5(UM:-;50HS)J]:*Q;H4@E4K
M-7;4.ADR`260K)P78($0T)>^7*AY,P1+F1HY48_^LD1UJT\RK>M+3K>]903N
M`,`8`P!@#`&`,`8!+U_^'PG\;C?WZSG,O"^PL?$NT[+S$:1@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@'$<G]LR?W0_^RKS<LC,\RCE(,`8`P#Y^>37@&%\B?(/@ODC$[9U;FUU
MXG=^/&E@@+U7*TFQTWD]PN%Y57(@@W6YI.KV&U'+9K4XI$G:8D1H<=$B&^N/
M&<8Y<:M/@=*5%0^@BM^Y6]^FD^N][]J?7VI]=^OIKUWO?IK.CDT?UCF=NM5E
MYGT;F]IK=7Z)RQZ[0Q>KM6R=KI5CJO1PXL5;JZ>&@K#5CT*1\U7A9"#.AS4K
M8DC_`(3C3S#[J=1UZ"G+E_\`!RS62-:7ZGU@+4C-S+]<G6MQ%..1(%H%];ZJ
M9Z5.`&R-2NM7NB80-TLVEI<0I'?ENP&VGG/DWY3"XXU[2IHJU3P)@U^7!ED[
MJ$L#D,CPR:K<RB,*6\SQOJR.H/0O=*+3-H9LLIAIKV_KDQGFD/[T[M*4ZFD5
M,0_W>MC'".=UBM=C#AZA4W^(R3];8I)P2.,$^*5WQS"#;+`8JEWKS3ILEK@L
MAI$8LDF(CLGU/*BO2X+#JFD:C;E>\-6:MQ6V\E#VT$R^<KWC3#&$-TEI%=:L
M'C8(HS`V79*O&+1M'J]=RU#8^LX:9##VA\AQE+REZ2YEIA0E<:DESOQ)73JC
MWP`5N(>>2\@N=FJD?E`:?]2A*P9M-C[_`&H]+K@628).[JT(EW9;(T<](VZU
M%%H^*\MQY6VR5!4TS9/N]R=E$AI+W2:T*N@JW$K_`"I5>JEFKU?.V.23\9R<
M$22E`+J)O+-6A;\>EM)VR43.9T38<;<UN%M$B:?C_H+4V!U'PEBWUGQD&@3M
M/J`GQWI8^EBW'JQ:;*?K*!%MX?;A%EY`<(WIJ=6;8&5Q=,"),-N'O9%(J<>1
M)=:WIVN-:4Z"5-0'ON[;X4K#M4'=QJP(.JMUCFC@T1SJS`A]AYY16+[NFV*[
M[K?20Q2S=<'3N@RW93RI3=<(Z2CYH<][4:3-)=1M<#X4$*O=.8V`+=J5]35*
MUT:X6V-/YLM^S$R?.NK]ZZB$11C\>R18M/U87^]2XQIY^).>D*'(=;VG<EY*
M&D5P-@2_&8[-'^78!N\!P56\F(!E`2LA@1R4*I=KLP^RQ+ATHFV>LQ)<^U7=
MTS"65A"]B@SKPSYIN.W*F2W%6F?62ISI8/NV43WIY`;U;XLYFQRB-;A&0]D'
M#8U.%VP8_P`YY>8)4BYUFTJJ=!YO`V$CO09D64N9[)V]>WXD9R:"ZC)H7@K;
M*Z:@2N>=/JG+A%=O5:M-`CU:LWLP0YFPP)4%ZA/J_P!LND'A90YW,*W%@6,>
M79G5Q7R391F$DLMV2NZ>`KQ-#F_!;L=1FA8(\Y!ZT=ZG<Z"QTNUNTZ5(`TRI
MU*_^+]E-W"!9NA]H*VZG]!(Q^$R9R7X4$U`<=E,PX<&'J##^)SI9=2.^_$_Q
MQ8\9.<2:)HL/L4Z1/![F6:$J[:DV*%4J15N>5HD<B76YW78\_P#9BI1&I+`M
MZ();^&E+$=&D[4KI*BH<MU.GLZ(,`8`P!@#`&`,`8!+U_P#A\)_&XW]^LYS+
MPOL+'Q+M.R\Q&D8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!Q')_;,G]T/_`+*O-RR,SS*.4@P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ_\`P^$_
MC<;^_6<YEX7V%CXEVG9>8C2,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`XCD_MF3^Z'_P!E7FY9
M&9YE'*08`P!@%E,)C!RX+1$H,'.E9>AXIDB1AP7BI#:-N:'BVI;[+A&=MO7N
MTRSI;OM^GV^F`7N`4]NLI=:CJ>93(D:=5'CK>;3(D)8TC;ZH["E:=?2QIQ.U
M[1K>D:5KW>GKK`/QE]B0WIV,^Q)9VIQ&GHSS4AE2VG%LO(TZRM;>ULO-J0O7
MKZI6G:=^F];U@%7`&`1#]@`Q3@VL23@>/93(\D7$5U\G":/%!(5R&R8*C@ZW
MTD9HT2\1CHDOMMJ:86^VE:D[6G6P)?`*$J3&@Q)A"=)CPH`^*_.(3YC[46%`
M@Q6U/2ILV6^IN/$B1F4;6XZXI*$(UO:MZUKUP"JA:'$(<;4E;;B$N-K0K2D+
M;6G2D+0M.]I4A:=ZWK>OHWK>`1<T^`&RE025@`C9R!SAAR$1-#($QL.RY\%X
MNY$ERF9#8EE[7L7)VG3"5_K=JUOZ,@/3!P%*=&QXIT'*D&8;Q(-'C&!LA\R-
MC>FY)$.RS*6Z4'QM;_QC\?3C2/\`UE:R@E,`8`P!@#`&`,`8`P!@#`&`,`8!
M+U_^'PG\;C?WZSG,O"^PL?$NT[+S$:1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'$<G]LR?W0_
M^RKS<LC,\RCE(,`8`P#XN>9W`O*FR_>+^,'?.3T")TJ@U*F\>HX[[25#CUSY
M[S&:UY,:M7D9:K;*Z1+1>>5'2'#78DNLV.C,*.3#X.+!>=3&1\%[SDGJ361T
MFM-#[2K]ON5[-[VCW;]NU?\`6VGUW[=J]/H]=Z_#GH<G!/F%SKM)CHOC_P!F
MX34UVF_<#"]P+5Z/LJ+$QI9KHJ>3T5=;FR2<R*UJ.7IDH[.3O>E-:>#M^[:5
M[:TKEUS6953I./>?^/7F)R`2ODM3NO7.=\LIE*ZI`H,[G-4@7Y9N0:Z5Y!E2
MI4T/3TVI(@WJW3K#6+!"EJ948^35\`?-A/JG:1S22PR.JIXLRNXR//AZG=`B
MUSG?=XE@M==YV:"$HO1'IQ3CESC\DLS/Y,*;`_*@`A=8K<?HXD6Z4M4J8*VX
M^;<T>CEFARMO7O$P->6"U^8]TOM]Y_0>@=G5;0.GBW<-5.QU.Z!JM&+]3[H$
MY_+X?7:E>JZ4K[H4./J238-R<'DR&1DQ#\63M)3X\K*I<$=N==X_V0_V[F5W
MJ=@Z#!6OGG$^==%ME3M2*@.D"('97+5T]#P%B>_H0T6$LH>G[@(7)3!>6Q&>
MVO6E:Z:=:D5*'-$:A>>5D!):=M'DQ4W1M8%32?SO0J7`L!CNS(^A0^E20<P=
M-*1WN%SB3Q.15AV]LP$[9EJ1&:8W';5S276,#;O:.2]UN'`^2U^4UUFS7*N6
M'RDK)Y@9<FU'#-7M_)_)KF_%B?2'/KF`.NXA[ZZJ6ICL_<M:?FOF932E_,*3
M:.G7_2%2I$TBA>9=;[SS<#/NW5?R!U&T2VQ1`O)8OTFQ5^._#EG0O52R+B$D
M:"F`LW<,`1(#RRQ;T5U,5IAQ#/Q"K7J#:IUD?VOC%P*TGS.IS7!+%;>K=2Z$
MKH%%[:(J/-KDU9^7[M/)2(3GL8Q:CL<I!-T*LUF6(:J1".R'(('Z>2IQJ:XK
M#6:IB$\4^@K.\:NI+I,0@WQ6SS[!8^I>'M]YSW(Q3.8T%WC?-.+H"M]7I=@$
M5LVB1RTG+2'LFFJU7XCXL]J\>WUVC4_Y>).J%3ZF[]-[WZ?1KUWZ:_XM9Z')
M^8`P!@#`&`,`8`P!@#`&`,`8!+U_^'PG\;C?WZSG,O"^PL?$NT[+S$:1@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@'$<G]LR?W0_P#LJ\W+(S/,HY2#`&`,`8`P!@#`&`6D4>/@
MKF.P1X^"Z1D_.DG84&+$=(S?9IKYP@[&::7.F?"3I/Q7=K<]NM:]?3`+O`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'Q+M.R
M\Q&D8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8!Q')_;,G]T/_LJ\W+(S/,HY2#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_\/A/XW&_OUG.9>%]A
M8^)=IV7F(TC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.(Y/[9D_NA_]E7FY9&9YE'*08`P#PXW
M(=;=:B.L,3'676H;\EA<J-'EN-J1%?DQ6I$1V5&9D*2IQI+K2G$:VG2T;W[M
M`?SDE/,7R&A>)/&4V7S=@5SS0MWW@'DMXW<RDNU?@_.N6]O&<6\JB5,MYKK@
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M8;8C_.-5!IJ8\=^\:ZN!*]&`0N3<HZ!+Y(%ZN4MEHHO0B7Y/[$Q1]]:@!3U.
M-E=_.*!1#?+VFK!'0P4FQDETIC;4N(K<B*;X#2B8N'GKW:@O3*T9X[RJQW>?
M<K33:BFG6RVIK4B=0;)VVMG?M)(M,<(X+7<9W'FV0GI)2U"?+ZU+6_\`+[2]
M=30HC(&?+SN]OMW/JG!!\?YI`Z!V9=,;*DI]CM!T316+]Y(<A)1""%.AP#/2
MG+5QR!.@.Q79`S;DI4+:7OUKSC4_E%$9(<[Y>@_C_P"5M;DVY%=Z;XRQZO4(
MUVW-&'K9+JTXM%K-;[7:[)/9+<]F6?HPX(1*R(S49"0$_P"/"G1$N1DN/6KH
M^*%,4:^UY?W?GEMOT!^UC>K\OY_>B-98[98B(+0F5QZ#;1(\_P!+?K'/!`'\
MJ-KYY9YLZJ2IM94A$ID:]-V-=7"F_$Y4G[!0S&'YYF&P]</&`W'-)Z(+#FZ-
M6A_2),0^(DF_)'D_!4\QOLHNRU%:ZJ!B=&>(EH\2.VW`E1DQU,[:2N0NZA0P
MASS]M4\76HMAKU;KQ0TFK#I(ZBF9\ZS/]8#=^K5)ZUR$5*<W9A477/JB28<6
M2?:>%W=N<XH).9TTM+;4QI+P-Y_=.-;@O0:%Q(I`A4JM=;MQ`!?[84@Q:+;H
M?!"42B@I+09;7Y7JNQVM3)?4S;8]M<.,[IEO4WX+$4ZAQI@;*\B?-<WQ_MA/
MC=-K=%N)&-"&!4[L!8Y7)`3H1C[%%1T8Z\SN2\5K3M5NL:6YL5`?W&4XTER7
MIU:HR.G*CH1+"K,5I?EGTGIO?>&\]EN\RH@Z'U^W<^Z17Q=P*N6SH)<'P[R%
M.2#E8KY:$UMSB\.PT2*\AV0KY]DG"6EQ[:8RD.2KJ5JB,!JWG)UV:;MT,4$A
M&9'6[\S=/'%GKU4MW.*E`X+]1]DCS%@3`NOQR/4HK$3C(0^F?%<D(^)T1II<
ME+$=AO&IBA;F/O!+M>SP49RJL@YJX[=.Z,$%0#4^"3M"H%>/-WKB]L3+T]-F
M-R+4^S%C%(8^%#??A;TSN4C_`!VFJN0I3,R%7GY:+<]5YE>J=>'`.C3:)>O'
M6/'O#0@SVSFYCH2`40O;[&2@$ZWS0&6#&J^Y/&$XT*4Y$.L3HDU433VV&H4.
M^.`=05V;D-.Z+(^JVRIEHS`LD`-"*CQX2VUFPEJO:ZVU&-29TU3M:L(:1`>>
M3(DQI#T=;L9YV.MIQ72=54CP9N+*08`P!@#`&`,`EZ__``^$_C<;^_6<YEX7
MV%CXEVG9>8C2,`8`P#%[P5F`J5;S@Y3:"`:KV`K!6\WIUI,P<)ERXRG6M[UI
MUM+[*=J3ZZ]VOHS#S._<VO+=QN;-/-MV+DHUQ58Q;55TXH\[TG"U*<?$HM_$
MC^<FA>?/WB-_;K?U=;.%C9%E`$;9"B6`-7Q1-NF!8Y"07O$P/]9OD8E4B)$R
M?20IOXCVFMJ:;6W^OS_'?*O5;U?YM&SY.XY7"=ZU*ZE<A;A)68*3G><-3DK2
MTR[U*NE8IQQ/PECG7/+ZCIE93E%RQ23TJM94K6F#,2%_>4?>*G@DVS`!@,_6
MA[A%N58@?(%%`:%"&MOD5)*1);D-QN+']%J5I7II*D__`,VO7Y]CUF]8-UMI
M;W:0M7=G!RK<AM-4.XJR[R=,%B\<J<3RCS_GLX.Y!1E;5<5"JPSQJ9G+\\?O
M'H@YLEHAS&=\=6FHHX9S]4\S+DJ(D1"8;`EG7SFI2B8U3&DN)1KXCS.M[U\5
M.?2N>JGK';LJ]KV,JX*,=OJFWJE"B@L:ZHZ:.F+C^<CU?.N?*.JMM]2C5YM9
M=JI\7$QM/WB7WE2]+4FLPMH:)2@[CGY%9&FFR<*,Y,F0W'MR=-(<B0VE.N;W
MO2$-Z]V]ZUO6]XEZO^L[3:LQHIN#_P#9NFJ*JU6M*I8OH2QK0X^_>?\`YJSI
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MQP?`CJEZ>DRV(KFEN(2G>VM>OO\`;O6_3//UE]8K4[=NY;MQN79Z()[2CG*E
M=,56K:6+2RZ:'+Y]SY-)I)R=%W,WP6)-_P"\"^\P^;"P$@`#DJPL5R2*::Y;
M"=^,Q;B;H:M.R%ME5-P$&";6VFMO[;UZJ3O?II:-[T_S9]:?,MVE:M.Y>5MQ
M2VL7579.%MND^[KDJ+53HKFJ]???O!51TQK*E.Y^<Z+IPJ^)5%>?GWF1@\/K
ML4`$1.)27&&9$GD2F133+!*.*F$Y11,IR(R'@RI3>W9.E*;TRM+B?<A2=[ZL
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M&QT"$\^ZK>](0TRXK>_1"MZY7K#ZS-Z59A52E'_DWG!.4EG_`%8IR?0DFZT3
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ME\N0U$G%I!D6!:`"GU2_A3SJB!=OUC)5I24(=5O>OAJUG.T]8O6#?;:>\VRV
M\MM!I:OLM%*;G&"MQ=:2GJFN[G12KDR0Y]SVY!W(:7!=.C-U2HL<\<NT\D_O
M'/O'`PIHV4%UV$,=%$#BI+W*H^MQ0XDW,KA(B08T1W)&QH9J`]'<4^AOVJ;W
MO?ZW]=B_ZQ>L>VL+<WX68V';E.KVJPA&;MRE):JQ2G%Q>I+%<,1+GW/H1UR4
M5&C?@Z$Z-O'#%/,U_P#[W+S3_G'SK]'<+^4L^1_W`>I/[;9_NZ_2/#^)^;?G
M6_H_E'^]R\T_YQ\[_1W"_E+'_<!ZD_MMG^[Q_2'\3\V_.M_1_*=8T?S#\Y;_
M`%VG6X-W3@L:MVE@BQ-(E>1V6$[7+'!M'.J0T!?'JC*EG8LRX=0&P-%(&G8#
M3C4O:E^D;>E_ON5^H?J?S;9[;F&VYIRJ.SOJ2<I;2Y%V[D;NWLJVXTK-.]N;
M=OS85@FKC;[F/T[/-.<7[<+L+UGRY5JW!X.L8TIT]Z:55AGP+6N^8WGP<L')
M*R_U?BD4MUXE?P`V('Y*?N,BLV?GEAA5PR`M$:NLOO1WVWYOS,B0QIZ+`AM.
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MD_MMG^[K](?Q/S;\ZW]'\I-5S[U_S",G18HKT#FM:'SY28\DX_R:2<1`TM"_
MA*2'`R99@F_(?TAEIF.VI:W'$_@UZ[UJV?KSZB;G=0L;C=[*S9E*CF]JYZ>'
M<@W.3;HDHIMMKM.[?O+S2<U&4[<8MYZ*T]BQ?L.J;3Y2_>"5!!31;L_CFS)$
M7+5>G(>H9./`BUA72E\CWT.657'5'C!6+XVJ(_`VG91A*=K4S]&TY^ZWWOUZ
ML\O4UN.9<G4[>Y\N5;$E%6_M/V3[0Y4HH*_W)0_M8YN/0?2N<RYW:KJN[>JG
M1]UY:]&JO#5A3/J-?6CSR\X:N)[?,>ZYQ:<9X)?&Z1<:\QR<Q&7-3*M;]-&F
M@1V9\('+43*Q7G6ARG4$-0H[SZD:TVK6OD;WU4]3MEM^9W)<PY;+<\IW7DWK
M:VLUJK==F,X3=(/5)2:MMJYHC*35(L\+G.N;VX7GYMISLSTR6A_G:4T\L77#
M.B;.??\`>Y>:?\X^=?H[A?REGY+_`+@/4G]ML_W=?I&'^)^;?G6_H_E'^]R\
MT_YQ\Z_1W"_E+'_<!ZD_MMG^[K](?Q/S;\ZW]'\IO_DGG;Y[=AK=@LP3H?'A
ML>MV$*%(0)W-7)1+<0CIF02-,LP9CB=L!QCBY*(^]Z?()C2$1];6RK6_UGN_
MZI>JOO#L[N]VV\Y="%F]"$HO;5E25'*:46\(1;DH^*YIFH8Q9NVO.>=;JW*Y
M"=I*,DGW,<<W[%C3-T=,C$*+]X=]XMT2W+IM?U3VB,,\%`'Y!GE:1,6HRCYI
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MK]K2U0WM(6K:-X_FAZYMI+:JLKDK:_\`:+QQUJ4<9=#MS57@]$J-T8^^/>/\
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M<W/+[&YNT\VY9A)TP5913>':S^C6I.=J,Y>)Q3^-&29L/08`P!@'$<G]LR?W
M0_\`LJ\W+(S/,HY2#`&`,`Q(GS_GQMF-'-\^H1N/"FS2<*.9I58*L0B9.4F<
M3)PV2`J0U$)$YR-/R9#>DO2'M:<<4I>O7)1`RW>][WZ[WO>]_AWOZ=Y06DJ`
M/G:UJ</@3]):?83J="BS-)8E:0F6PG4EIW26):6D:=1K]:YI"=*UOTUZ`1<B
MI5*9/;*S*E59A5EB=%9*RZV$E%&8I20[,*1FB+\%R8W&)S'W'I+:5Z1(=<4M
MS2E*5O<!:F:353OS+TL&*8,/C3(N-:1XL5%MX9D^VXDI(`V7<!TF)G277=O*
M<;7^O?UI:]+WZ^H&%<[X/RKF-:%U>O5(60C""5L,Q2UI&AK#8OK>]RG9=PGI
M*2!;*1_VAV[\&1'@M0X7RB$1TLI90E&E$6IL$G5JL;B2AYNK5@T/G;2J</,5
MX,5@SE(G?6B%38<^%(C2U(*_^*UMQ*MZD_XW_P!I^NRD*S]>KTI"&Y5>`26V
MI,::TW)""WT-389/9J'-:0[$6EN9#-*W-9=3K3C4S>WT[T[O:\`H(JM4;BG8
M"*I5T0+3*E3K3!17`J85IFSFTM3IMFAI@ZC6&9-:0E+SLQ+SCJ4ZTO>]:UD!
MXD5"H3(HJ#,J%3F002H"@4&760<F$#4)=W($J"Q'X#D<2H5(5MR+N.EOY=S>
MU-^W>_7*"@Y1J*],41>HU)>(K,2K$L@[4:ZY/78IS#46=85S%C525'IT6.VT
M]-VKYEUMM*5KVE*=:E$*GD;0Z&&=BO!J'1P[T$>V)@O"*?6QCT(2R3^O&14)
MV",8<B#&3>OG41V]I93,_P`?I.G?U^`7T2L5<>R]&'U>LCXTF40G28T"O!X4
M>3-+28\PM-D,18333\PM,B,O2G5:VY(>9;6YM2D)WH#U(K59F%5'IE9K<P\J
M(Q`4>E@!$HXJ!%?7)BP5&'X;A)4*-)<4ZVUMWX;;BMJ3K2M[WE!^?9FL_6;!
MO[,UOZ\C1)`^*;^H!'US%'RY$F7,@1BWR?UA'@RY4U]UUE#B6W77G%J3M3B]
M[`NE!PR]P-K#!U[%,*BBMK%#U[%15LHCKBB]JC[V.C+CM);4VS[$;;3I.]>W
M6M8!CY"@U&;$/L1`8RN$+(-<&D+-4Q0>OVYG7U7L-"(0+%#&_/1C`4?I*($E
M6W%0_A-_#UI*$IR`MJ]S#G-6#"@(.C5.*.#56M4B'\2OB9DYVJ4\:P(K00B3
MEPWB!6$'@1TH91)<=TC?JK7TJWO:B%3+!HP8%'PQ`48-"B!S"(HX2'@1!0H?
M%;]?AQ8`V`S'A0HS?KOVMM(2C7K]&LH+[`&`,`8`P!@#`)>O_P`/A/XW&_OU
MG.9>%]A8^)=IV7F(TC`&`,`Q:\BIAVE7`(.0VX0,U:P"H*'7-,M+F$!,N)%0
MXZK6TM-J?>3K:M_0G7TYAYG8N;KENXVUFCNW+%R,:X*LH-+'HQ9YWHN=J4(^
M)Q:^-'\X]'\"OO":-)I9@?SKA<VS<_KCU:J=H*V4;(L`B`J/+8')W-BR(3!%
MRO((/HA;DLN^C+FV7?BLZ2VG_'7*_2KU<Y7/;;BSL^5RWVTLNW:NRN1=R$:-
M1[R<5+R]4E#4G@],M4:)?@[/)>>67"<;=EW(1I%MJJ71PK3HKV/`CJ_]WW]X
MK6!8\,(`\P:'C=2OEF7K?7G][5-DVJ9+<>WN(G3BWI5QEN;^C6M*:C;UZ?+-
M>GCM/27U@V5B&VV]K8JU"M$[MM^)W6ZX=+O3?:H?F1.8<DY[;BH0C;TK_:73
M7])_)P1E"/"S[S%+RWE!N3/:?5,U,8=LU=^!/C$UCEE8$S34=IU<(K]6(T^E
M"VU[][FT*0I>U:W+TV]:=6IVM@ZUJG<MTDI:=471)Z9:56C3QE1INIZ?=/O!
M6NFU\:Z:5^.A4@^%?WDD(S&,*J?&I*(@X>%CAUV8)'"QP(IXRN"$C08B64I&
M1XYQV/\`!=V\R]&98;?0\AK6E6UZ;>LMK<K<?9^7-1A&"AYD%!0BYZ8**IW4
MIN-'5.*@IJ2CC5RGGZGJ<;6"I2JI15PIPQIV4K4QVK?=_P#W@-&=L&ZASWB0
M:(<L+UCB056<.1:J[[K$D?N%6G)VG78<+864J`KXVWW%1=JUI25..*7CV/I-
MZL\LE>^[]GRRW;NWG<4?,A)6FTXTMZJM1T/0ZZFXUQ3;;\[?).=V7+RK=E)R
MKFG3HPKU8=A,#/";[R\4)="117,_JY\7(%.MZO(^)*<T_,%$=$5DA:QQ/99@
MD(;D(>^-[5/..[<0O3BM9IL^FGK38L/;0M[+R7;<'^NBFZN,M6J+C+6I04DZ
MYN3:=6=QY1[P1AH2MZ:4\2ZG6JHZU5?C!'P>^\9*'*?8)-)XJF?1[$[:@6F+
M7$:;^NG`XD$B00>W-61FH;'@XOO1N0G4Q]K;TSYEU:UJ7O3'UAO[K;[N>VY;
MYNUO.["EU):]$(5D]6I]V$:K4M<EJN:Y-MI<HY]*<9N%G5"6I=[IHEVY)=..
M;JR['^%WWDHL:R+'TWAL1AN75);[L<O6X\@A]C)%:DA(<_<9MEAP<ERH#]+9
M;;;3I+*M-?"^,]\3TM>FWK+8LJQ:VW+(P4K3=)VTY>2[;@I4HG&MFW5))8/3
MIU2K8\IY_&.F,+*55TK'32E>KNK\5*L_/[%WWE?RS$-=;Y$]&AAA`@<Q)N$*
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M8#!@_<*)"YW)L]LU%;]YPA&KPF&UI*%14[3&U[-MJ4M>_?\`EAZN7=W;WF\V
MG+;MVU"\E6["*G<O6([=W;M,9R5N,%1:?"J:6VSK[GYXYJY<MVI-*7]9*KE%
M1J^+HEPRZ"VL_A!]Y7;P,BMF!',="I(:?6UQA]V&#V6JW-GJGM`8T%C>A4>`
M*TZ[&AK3'^:9A/N,*>6VO>L\][Z9>L_,-K+9[BWLOL\K<K=(WHQ2MREJ4%%=
MQ1C5Q@].I0DX:FF2YRCG]V'ES5O2TUA)+!]%,J+)85IA4MX'@G]XV*'5`4-J
MO'8L"D0]0@K*K)7YRG6]#;*)]QATFS-=+ZU!N!-"&7=_*L:F.:9:;3OVYS9]
M+?6*Q9V]BS8Y=&UMHZ8+S+<JK3<AWW+4Y]V]<23[L=;TQ2P(N3<^C&,8QM4@
ML,5P:QKGA)]6.!/2O#G[S:6=W8'`O*69'U.3!-PX-S@CH#`XHS4&7$QU07XY
M5B3%50Q3C#Z96GDN1M^Y2TN.)5JGZ=>M=S=?:W:V"GY<H4C>C&*C)6EAI:DF
MO(M.,E*M8XMIM/M\J]X7/72W6C7B25'I]O\`573T=I#4[P8^\9HXH8)$4[BT
MQH7N8AN:=L0,L5E0II(^;<&3B+FFGW(3)ZSS9[>T?#D)EN)7MW>FFTIS<N]+
M_6'EEB&WV^WY;*-NM'.Y"4FI2N3TN6#<5<NSN*E):VGJ>E)<VN3\^LQ48PLM
M+BTWFW1OA5M\:].!6(^$/WD94#:@$RK<;4W=1Y`58S#5C`L6&?!*FSYXC'^M
M&T)^$W*FV:6G:=-^U+3GHG25[6M7=[TR]9+^TO[2Y8Y=3<PE&Y-7+:N2C*<Y
MR6I95=R:RHD\,:MI<HY]*$H.-KOIINJJTVV\?:S1'^Z2\UOYI4'](PG_`."Y
M^5_D#ZE?X?:_O$/F,?\`#/-_S(?31^;^Z2\UMZWK[)T+Z?H^CHPG6_[F_E<?
MR!]2O\/M?WB'S#^&>;_FP^FCI45X@?>5!7:<Z-HGCY'^P]*&<_$,ZD5-<276
M@9L1:@+1J"ME4(D0"W(''-,2?AMNJ+?$D/;=VZ[I7[2QZ>^L^VEMI6=KRE?9
M=M&Q!5M4=N$X78*<:4E*%Z$;T943\VLY:M4D_H1Y7S^&C3"QW(**\.2::JNE
MJ24J\<76IB5<\"_O$JY-II#[&<6L<J@&[;9ZLY;[!7CVH%INA\1:#%E=TXTQ
M\X::/`X\B,XY[D,[]Z?8I#BD[^?L_2OU?V=W;7OLW+;US:7;MVUYMRW<TW;T
MX79W.BLU.$91;P6*HTVCRAR;GL'"6BS)P<FM33HY--OMJJHU.5^ZF\YCA4H<
M+5RB32ILF0,%)KG1`R7)A,K,>GD):T-0VVD+DRY"U[TE*4ZVKTUK6OHSX-_T
M(]3]U?N;K<6=K*_=G*<G]HAC*3<I/!4Q;;P,TO=OG$Y.<HP<FVWWEF\66'^Z
M2\UOYI4'](PG_P""YX_R!]2O\/M?WB'S'/\`#/-_S(?30_W27FM_-*@_I&$_
M_!<?R!]2O\/M?WB'S#^&>;_F0^FC,N>_=F^>?,;M6^@5BG<I=L53(I+A/K^W
MU\\+8)-,NM1ICPJ;$W&D/P5N_&CJW^N9D-H=1O2T)WKZ7*/17U4Y)S.SS;9;
M;8/>;>>N'F7;<XJ232;C)4;C6L7_`%9)26*1[6/=_G6WO1OVX6O,BZJLDU7L
M?#HZS/S/@S]XZ:J4JD.U+C`^ORSZ3JFA%@KT*>RVBT[O6JW'*+:D3TU+=X6L
MPJ$I:_<0<4XI>];]N?6W'I?ZQ;G82Y9+;\NAM)7?,I"Y;4E^M\_RU*CEY7G5
MO.#;K<;;?0>T^3\^G:\G1:4-5<&JYZJ5STZN]3B4K;X(_>)WBL6NJ62D<0EP
MKITDWUHZ18-UV$><O5@D?&(E(Q6*TVIIG3&UQH[*T.(BQ'G6F?8EU?NYYAZ6
M^K_--CN-AO-KRR5O<[V>ZG)3MQGY]QUE)262I6,4TU&#E&-%)U7>3<]O6Y6[
MD++4KCFW55U/-U^3J6"-)_[I+S6_FE0?TC"?_@N?F?Y`^I7^'VO[Q#YC'_#/
M-_S(?30_W27FM_-*@_I&$_\`P7'\@?4K_#[7]XA\P_AGF_YD/IHS>@_=J>??
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M4R9KQ-^]`9K2JFV"XND6L*BO+=28JZ2+@9JNQZNU">FHC)W(^$)C)2AUQ*WD
M+WO:5Z3OV:W1]P?6^.R^P1M<M\CR_+KKM:M"MJTDW3&D$J-IM/)TP/3[L]XE
M;\K39TTIFJTI3\!L!WQW^\?;JT*'`H'+FKV\24NSW:7?ZQ\$U6FF;XU!IT00
M'`!2,`/&=Z'.D)<<)2),>1I*H[C6M^W7UI>Z'K&MA&W:VFQ7-7.MR\[]JD[:
M5]1LJ$+<)1@GN)R3=R4HRHX..2]_L//O+2C"WY]<9:EBN]W:)*B[S>;:>5#C
M,G]U)YR&",XJ2KE'F3R,N1-ER9'3![[KLB4\M]W>W9#+KVT_$<WZ>Y2MZU^K
MG\XO>@_J?N+TK]ZSMI79R<FWN8MMMU>+39\J7NWSB<G*48.3?YZ(M_[I#S8<
M8>;34J#[EM.(3Z]&$ZU[E(WK7T_*_1].\\9>@'J6XM+;[2K7^(A\QR_=GF[5
M-$/IH_JJIHV6%J%5#STH1.$UL&-FH;7IUM$N`,BQ9"6W4^FG$)>:WK2M?1O7
MTY_NOEMFYMN76-O=HKMNS",J8XQBD\>G%']'M1<+482\2BE\2,DS:>@P!@#`
M.(Y/[9D_NA_]E7FY9&9YE'*08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'Q+M.R\Q&D8`P!@#>]:UO>
M]^FM?3O>_HUK6OP[WO`,<JEPJ=[#,6.DV<!;Z]*=D,Q3M9+CSH>2[%=4Q);C
MDADB3#?4P\C:5>U>_16O3`R))PN+:+Q`+L^*V:GCB)>$+6\A,V4+$21<(I/8
MC[W\1R+`EFX;;J]:]$+DMZW_`-?7J!(X!$Q3H:<6+`89.%)-`F1KYD6S(;7-
M&,&$27!3LV.G>W&&R#<)[;.U:UI>FU>GX-X!+8`P!@#`+$B3'"(4HD5G11T"
M%&E3)<R:^W&C1HD*,[,F2'GG5)0AF-$86ZXK>_1+:-JW]&MX!ATSJG.!PXX8
MG7:MQ15:2`4>)/E(R((K[5,0I5;3+E;7\!MPW&(QW(R?=M3J)#>TZWI:?46C
M+@MTKGP%Z%'-7.MBGR,*&2@LSR\**Y)'D)"(L&<VAUU*MQ)<ES2&W-^B%*^C
M6_HW@E&99\_"W`^M$RF5CMQ/GTS6UZ<CKA?!^8U*;<;]R7&5,?K]*3ZZVGZ=
M8!3%E!IL8.-!YT0H(+P(A043@/MRH)$:0CMRX,Z%*94MF3$EQ74N-N(WM*T*
MUO6]ZW@%_@#`&`,`8!K)CM/())&0(8ZA0'2L6\N<Q>')MH/YU/16H<4@]1DQ
MOGM.NVMB%-:<<@(TJ2WI?ZY&MZWK0M&>P_9^06&6!@`.J<Y-SK3-.#:Q#$W6
MMD95B(UG6MV*""CQ"3SI:6"2K6Y;;&G%1T[UM>DZWK>!1FRL$&`,`QVVVZK4
M*LF[G=K"&J=3K8]\L?L=@(1108.-BI]S\P@0F.,QHS"->FO52M>JMZUKUWO6
ML#,Q&7V[C4#ZU^>ZOSB']1.UV.;^:NM<CZ#OV^.Q,JK!7;I%&ASUCAR6WH27
MO8J2RXE;>E(WK>"T9G(NP`3CQF,%-B"\BNEE@;`P+)0R#P(ZW!@DW`IEJ(\Z
ML86;&E(TA49_2'M,2&G-I]KB-[$)?`&`,`BS9P+6A!$_8RXP`"#Q'B!8T9GQ
M18D9!C(VY(FD",UUB)#BL(UO:W'%I0G7T[W@&)B>K\O/RX@\%T:C&Y\^.`EP
MH0>U@RDN7$M4,@1K,J/'@SGWGHU@'B93\)Q.MHDLQG5M[4E"MZ%HS8&"#`&`
M,`8`P!@#`.(Y/[9D_NA_]E7FY9&9YE'*08`P"+.$]A`1TXD?-+*!@S)O0D;\
MOHD5V(&RB.A8[<MZ/$T0([C?!8^*XVU\5:?>I*?56@/@I2OOXJ/<^<<RMKO+
M.>TLQU'IUBIXPK=N_$1G%0%5I?'.5=?O)ZS]*@\6(VH59J3)[`+JA,>Y5TB6
M+"S+?^MMB(ZI^_-7%0[T8GW_`/HWZ;3O2D[UI25:4E25)5K2DJ2M"E(6E6M^
MNMZWO6]?3K/0X-)]5Z?::G9><<[YU3`]WZ-T[[:D146U6Z51Z<`JO.1P:;;;
M'8CXVKW0TM:9MG%#X,*$,D.R91#2UK988><U&^CI*NLUR=\T^'UR:1$D%]$G
MF8!DE7H0^L<MO-E^V12N3[2%NCO.),$,EJ[@Z-8Z25'EI\?V1X<F+K2]Z2\R
MI<U(4*CGFMX_)%RS\8S<C->A'[`">.5[G5N.07&:57(MMZ+:&$0!SL[[&<TK
M\Z.^>)NL-,POF6$IT[M]GWM2%&:H-^>U<KM$NIR=6EEKL#1;9%=I5/AW"V;E
M":G;#E;FVNXD1M;U"JM)81&%N2"C;\MAAPJTASX>_36-6'66AL:U^</#:=;2
M]4,M]"C;JAR]A^@&GJ*59$<[BT6E&KXY8;4M6]RT`+*(KTML4Y':>?E26%HV
MTC];[FI5H2A3"^:?+[Q<^54OFL:SVB9>^@O46V39E0LPH7S(A%JW8S4FNV\P
MY`6("]%25X[-80&D/:4Y%]TA*]I7&^.U)NB%##P_G+6FYE]GW:'4P54I/7.L
M<IW#J9R\]"Z@[*Y?9K346I1*B!^9Q8,$K;RP%AZ!`CDYJE1)>_\`&J>;TTXU
M+I%#8)SS8X%68`8E825X$13]9M%D%IE<XM:ITE^DF3=?MU.2)CP7RSG0*\7K
M1!B2*;86YIR&XE*U*VVE;4A1EU_:WYL57"AU6+;9I+[0T2NV?Z_HMW!".?&+
MKUE/(V*??BS->)HK727[!$GMP0SJ%;?=BH6^]&AOMRU*H4+JC^453Z=>2M3Y
M^(-'$5RD]0-6,?.&R@-U@W3G1'EB8M&;`$_AQ=R+.#ZC$E1GG'TZ2MQIMSV+
M^,EHI5%#7G-?-RO6T)5)MDHQ^.2LG)+?V(EKF;9GHM?I$"G72K40WS2ZDB]<
MH1RO=FK=BM2(9L-+%QFA<F*[IU_X>T+PI!H]P/O"/'&6\^Y,(74,!>.4H56;
M:3I1=%>N(NZ\[HG2DW,/(:0Y*B4VJ!>D"6C<R8U'V/D2VM;0I+B58U(:67L'
MS^\;)K9"0\3Z0%AP!Z"#,^R\BO\`78!M<R#"*5X36Y94/&:-G;F-GH?#1&M_
M$GM:4K7M^CW-2%",,_>%>/L*L&;-7XO5+RV)!L%V(%9YC9=*-$5PZ^4(4L05
M+1QP*1>Z^%L*)I(;\SIR(Q%DZ4K;C.T;:D*,Z@YIU*I=;#&+%25&Y(,/;;12
M5DRX*<"9(G*86D5^S)$M$$MR9<,38(4B"ZZI#>]2HSJ?;Z:2I53J2E#8F4#`
M&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'Q+M.R\Q&D8`P!@%&0UMZ.^RG:
M=*=9=:UM>O<G6W$*3K:D_P#K)UO?TZ_5U@'S>8\+>FCJWRSFL'IR"'-ZY2N3
M@[ZV?MW2IITM/Y^+NXJP!J]Z%/9'IEO9N+?HPY):^28',QT-+;VC;`[U*K?2
M8A%\%^Q"[<!L\._TZ<4K$X`L1:#!>_32DH0.-\YFQ*U9JV0T6`6&J443293`
MF!\2,[*DD&YBI<*7$0\Z&I&T.F^*/6.D]`L<Z=T43&YVX3NM@K`ILU?6#/UY
M:*#-#@5F(H^="%18M`O*810?IAQ[W[8^)[&G4IUL1221H][[OGLTBTE+#^6"
M$)<)LG8Y&;6;-=!)FTV20$D0!?8+=.GCS<IZX3?CNPB`D8\,CZ&S9"&""=*4
MTZ+J1T?UGQ`F7RT5BP5NT-UA%*H=/J-1827NS6@4JI"^KHC$(\<<>C19/_TA
MMM?GZ6^EQ]QVOM*<6I;;&T"*5,\S28OPA[Y'DV&RRNQ59%Q=*%2=3^$BU2*F
M#?L8O4&[?#K3.PX:/`O<OXLB1$W$E?*)DJ;6].6ER1)%U+A@:=F>$GD<4/0>
M>HN)2.-$U.?*-='^UM@@"R@)^S<]?K/C\/E/PB@^96`8T"2F,E$U=*X4YQ:=
M0F67M:?%U(W/9?`*_P`L8?<K?7)L*QV&4IRP$YUHN<F7<@SER/V<K6+"1*?:
M(8PS:Q[HF#/EI#R4Z0.1O41QE#<?!-6)G]-\)RE:OW/;B7LL*YM5JP%BY]-J
M/6\P>(O&`O;JJZ>9-27-QW[3%J'1`PU3J8L)J2P+<]$L>C"4PFK`VCU_QH8.
M5'Y/GNU:L4@W36)Z[$6F2(LJK@HUHK@Z*O>UI3I%&&WB01@Z3K4A]T=':4[[
MM-K10I'/U<\'NH0!$>)*O]5#MPX(UBOU8)*NQ6M4)8\]]:+AU">=E:,-P9BX
MZ)BEJ2T\W-?6E/\`BVF59"ZD75?\*>IBSK-B.=,BG)-<)1;`'3'/WQ,FTW`;
M=X]HC="LC4LLR,@V]VJK76-,H3(A-P(D=?N]BM1XU&I'</#Z85YYR'G5*.*C
M?7->JHN`48@N;>'0)_P-/2A0MW>D[<$AWG=Q8JO1/K'91]&OP:'+S-J8(,`8
M`P!@'S=UX?=+;.=$E"#E/J8JP^2,GJO.V0%LZ&R]R^KV>*(<ZT1@QHT88Q9C
M/9B<:8Z5JI!Q=9B/SGI#+KFW/@)'6I?(8]0/`:QU6Z4FT/W#4!@=TRKW"S1(
M5S.G?AT7D`"H@.*\K@-SJB%;L(\)NGLR7R;JA4AE$EZ.ZR2WO4G0KD?4/!P,
M`8!HWR6YA,[/P?J',!@\&1,6ZL2((!JQ&SE:%0['&?CD:X:<L%:@DCP697CD
M*//BR8L=UUF7&;5I._3>"IT=3DZX>)7;;!7^H5Z+?*ZG76N:U>H=!):N72`<
M6]]'^SE8"6WMY6H"H[]=K!%+-:^2761&F!=J%2G(Y:0VE+:="U1V;SGG"Z)8
M^P&=/BUQ^F7\3=H\<8/2.5%<A\NYW1""B"&]:9?($"E,?EJ<1^%N0A*M[4G>
M\$;-K8(,`8!I[OW."?7./7GG08C#%$[.,CQ8<Z<N;'9:=B$X!+:&R8SU+5Z;
M)1"VU&+0M+G")"T38R5/L-IV*G1U.'8'@AT&KR.1VJ@=%$5#HM%@AX]GLC$V
MR%&;&Z[.T.,+7"+L31\J<*I,.)#>([BQ9]P>2^HHN-M]3FAUJXY'U#P<#`&`
M,`8`P!@#`.(Y/[9D_NA_]E7FY9&9YE'*08`P"#L];!W.L6:F6<>V7K%QKAZI
M642\X^RR5KMF$RP9P8Z]&<9DLMSQ4]UE2VUH<3I?JE25:UO0'S.5]SMX;.T^
M34);_>IKA.._7;#<Y':S:+_:N5R^15#@<WA%CL<,;%:F\7F\;H(8`\+;C,S'
M(P]M[<WYO:Y"N-$:4Q.M3/J2RRS&98C1F6X\:*PS%BQV4^UF/&C-(8CQVD^N
M_:TPRVE*=?J:UK.SDUETKDH+IKM3)RC]UI5MH9$J1IE\YR>8KMOK_P!H1>PM
ME&,R2`LZ%)@;*+TVW-@SX$N,XY'COI2B1&8>;C50:N@^(/(H-KW;U2;Z0GQB
MEJ*5X:4N#DH#3%7R3="E]@5(:@>PJ`-NECOQ`K.;?<E*U.^!IA;$:.W&U**M
M2U,0E^!O$9LXD4=,]78+%JL(YY/*#;O"$3I/*Q=/FT)_E<MP56H:"51/56=N
M)/D2TR#[C;$731)E,.*EEI0U,OC?@UPTQJ7\K)Z15W"+9L<5D5&[K#2"E7LI
M?9^Q4>:XL5-UJH&2[45YYAG34E/R+"6WVT:=2ZTH59`L?=Z^.[(JP`E;Z+*#
M6=V>R8&RK?#W&D5XA5+S3'JA_B*]'<=!)$=`FN?,/*=-.SFH\IZ>Z\VI3C2A
M5FPJSXE<TJERIMY&GNB;+4Z>,-[&Z.UT/4[;:0==O]0!VZY5*J5"N`I]@$57
MI92`UN$R/B+:W'<=CNR(S3R6E9BK)TYXQ\KL((36R;%E<%!.C]!ZL/;9L3[3
MK5OZ==I?0+6ZIWX"O>,>LDU:H\;TTEAGT;TK>M>N6B%35A/P#\?2UKGV^4GH
M")Q0D;-D![%O90)DG+`0ML^>6W[PCIEE;:;M.88B-S4#6FU)<U&W)^)(<FE"
MK,Q(>(')")6T3]S^B0!][L,&V7VJB[HY#JUTM`?J!;K@"P&87U:Z2B%@%G-R
M(\9X;,@*4+^%&?\`C?+QUM*(59<\2\2N4<!DRI]#DW5TE+`DJTHE8#\"7(8$
M$0O,JZAF''$`@0R(\,#<@`M1G41].>^.Z\]MY^0\ZHDD&VS$27@WR$RI^>7M
M/7BEG)FR-GLET(W$'.L=QLTNS<LM@\[:V)5.=JI236RG&*ZB!'2,9@?+0E-2
MH\K3SFU-*%6>0?@EPNM3*1."OWV/(YZNIJK&YYRO6-N,BK4FL<[?:D,6FH&V
M)'VNJ='!LEG?:F0I\1'D0G(3^WW'FE"K+TYX->/UC!(KA85:9(UB'7HL32K,
MMUZ$]4:8U1JN48W*@28[I,&-C,R6E/M/,KGL(==:<1[VE-*%629GPWXW8`$H
M"57<G-3&INWBT`T(!$DD)W-0_*G#,2*`K@NM#B+-;`Q7FD1AS4)!!&WOE]H4
MIK:B%3:_->05OEY3I)X25M!^Q=:MT>[7D[:IXF3-)FX02%78*F8M?!5L-&;B
MAQ[32G=1539>TZ7*D/K2C::E05-J92#`&`,`8`P!@#`&`2]?_A\)_&XW]^LY
MS+POL+'Q+M.R\Q&D8`P!@%"5&:F1I$1_2]L2F'8SVFGGH[NVGVU-.:;D1W&I
M#"_8K?HM"DK3OZ4[UO6MX!HO7C1R5.M)U$OOIK6M:]>S]HWOTUKTUZ[WT#>]
MXH74S]_LT\E_S2^_IG[/^/\`DH74Q_9IY+_FE]_3/V?\?\4&IC^S3R7_`#2^
M_IG[/^/^*#4Q_9IY+_FE]_3/V?\`'_%!J8_LT\E_S2^_IG[/^/\`B@U,?V:>
M2_YI??TS]G_'_%!J8_LT\E_S2^_IG[/^/^*#4Q_9IY+_`)I??TS]G_'_`!0:
MF/[-/)?\TOOZ9^S_`(_XH-3']FGDO^:7W],_9_Q_Q0:F/[-/)?\`-+[^F?L_
MX_XH-3']FGDO^:7W],_9_P`?\4&IC^S3R7_-+[^F?L_X_P"*#4Q_9IY+_FE]
M_3/V?\?\4&IC^S3R7_-+[^F?L_X_XH-3']FGDO\`FE]_3/V?\?\`%!J8_LT\
ME_S2^_IG[/\`C_B@U,?V:>2_YI??TS]G_'_%!J8_LT\E_P`TOOZ9^S_C_B@U
M,?V:>2_YI??TS]G_`!_Q0:F/[-/)?\TOOZ9^S_C_`(H-3']FGDO^:7W],_9_
MQ_Q0:F/[-/)?\TOOZ9^S_C_B@U,?V:>2_P":7W],_9_Q_P`4&IC^S3R7_-+[
M^F?L_P"/^*#4Q_9IY+_FE]_3/V?\?\4&IC^S3R7_`#2^_IG[/^/^*#4Q_9IY
M+_FE]_3/V?\`'_%!J8_LT\E_S2^_IG[/^/\`B@U,?V:>2_YI??TS]G_'_%!J
M8_LT\E_S2^_IG[/^/^*#4Q_9IY+_`)I??TS]G_'_`!0:F?F_&CDJM;3N)??3
M>MZWZ=G[1K?IO7IOTWKH&MZRT)J9O6/';BQV(K/OTS&9:CM:<==?<TVRA+;?
MQ'WUN/O+]J=>JUJ4M6_IWO>_IP0K8`P!@#`.(Y/[9D_NA_\`95YN61F>91RD
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$O7_P"'
MPG\;C?WZSG,O"^PL?$NT[+S$:1@#`&`4GO?\%WX?K[_A.>SV_A]_LW[?3_E]
M<`^6-?Z+YV5FO4S16L&[%\>55Q$D*YSB3+M^HXV"U7GM3+5HE.#;E'"<ILT8
M(F=#(R84*2Q&D,R76?>.Z1+TGW?S.E"R%G"\QMK$3ZVHH>M`)7(2T&9,D+;M
M$^ZD[)#EN$[3$!RI=9CBH>VX4-MK9=J5(F1F-ID-P4B6Q?K/GF#'DFGZA**$
M45;[05V4*Y%.?BF;(9KE')F:67T))61ZMQ>:QS1E\?*6PZY82(U,#UV_K4>9
M12)L3HG5_*VK@^=+&U$C:2MDX@B5:7N>\WM<F/4NHR"8-IRUG$6:K.3U5N,-
MDN^P!$@KLS3_`,12Q<IGU5#$2C\II>/U7SX#M%Y.J"^,'.4MF_NCYM&OMNLQ
MRR';(N9::=2_JH+9P]7-"&DM#@T0S)1#88F;E/,/QV'7HPM(G9UCY+U$[+>)
MUWH$ZMMD"5M,,1C!2Q2YH:+T.I)KQ($J%$+/CVGZ9.::)B78TC2&9>G6&M,,
MNJ=4.:HW=S2L%Z5SVE5`_8Y=O-UFLA@92T3]R%3C\X;!9B2"LQ<J1+D.29KC
M6UK4MQ2E*WO?T>OIH'BZF;X(,`8`P!@#`&`,`8`P!@'R>@SNQC+-TNK$&_(^
M6RYYO0S-3[7\'K\4*,YRN"`N-K%&J+%3-&/\UJ@6"[31+C,550,N36"BT-R&
M)[J!WAU9&<]BB](MV^E=;YF5[@(KOV0XV6H%8A*[<3@=5LLZ.2N945'H]2N-
M8LW/0I(9(KP>60A;%-P9:B&R3;K3;R=@J9,Z=X>#NC-M[3;;2BZA1MCM->'5
MBFVFVV"TC!;(&KPI=I/UI)TJ2:$CCMYL).&RW!1$@OCQ$-YIA&EX.6=%X(,`
MYL\PH%K)>,7:XM&/W&LVW[#D)0(I0!%H.6U<V`['GI#BA]'4W=-ZLC<90Z0^
M(6V3B193C\5QMYM"TBK,YZJ=^OX?H]S+WJH=U$4VW<*HD!CGHO\`*I:"HGL<
M>CVFV6^GU0^;FNP#-JC5@`\Q'-55P6*=G,)3/=<+28ZM"X4Z*FO55#NY>B5`
M^R>[S7GZYQ\C9+='G67OVYMDEVCL\,@$XG]4CXY+H\BSTKF88R!E6Z(%79]H
MG#BJ77=[UZBX'?/CXST:/PWDK'77'G.G-\_JR;RJ2Y\>6FQ_5,;9%J=(VX[N
M218>W[)#NU*VZ^E2M[WO?K@Y=*X9&X<$&`<8]`8Z.7[':X8DO>1Z0)OQ#-5L
M;6",F$)*45?73['5]D6_8N+-BR!RI.CK3>VWMCH<'3BO@J]CHZ5*?&<H6^N>
M6!$;>K9SBR=G9%B>T=!A4RD$&>J"Y]IYW8>;U&5.?8>OAU^X`_J"8'L$>%()
M1YH_9^8TJNL16UP=:%PZ:';'C5:;Y;Y73C5P#&*Y'G$>>3VZT9<*N?9>UD>5
M4^9=:Z%V:8B$F@<22Y$D?!=996P1E3&W4(D(>0D1X'4N#D8`P!@#`&`,`XCD
M_MF3^Z'_`-E7FY9&9YE'*08`P"S(D1X<<1,%IT06)$#YQ8L3(2&HD`8+&179
MQ$C/EOJ0S%@P(3"W7G5[TAMM&U*WK6MX!Q8(^\@\*K#7JC9JWVM5F'7NVD*/
M5(=:YAV:PVDM81M/`]#?1]AP_.YMU@!7^>VD8?BEI(]D3,"SV)K$ER.YIS.=
M2+I9W!O6T[WK?X=;WK?IO6]>NO\`EUO>MYT0P*U=0Y_1[+0Z?;K4,`6;I[UO
MC<_$3]2DR+5*H58?N=NB#'&HSL7YL-5HKLU33KC:W6FU::TXI.TY*I"A>LW^
MCO5T);=VVOQJW8XM/FA"Y`I%%QI['0=PD4;V)).1'V7[:\18;'M.H0[)==TA
M"=K]4Z568,GW,A:4A&YL+WNS'QS2/FXWO=(Q4K7*'MH^+[G)\9#:MN,:UMUO
M2=[4G6M;R@C!EFK1IR>R'L0(J\+/D*H29'%Q\QV!:1+*))2M2VF)"W&#PV.Y
MIQ^(K6GVD;]RDZU].`8FYUJ@(Z3KD;1B=/O[8^$3)AP]8MAL?6892"0)AMW.
MU"0<VH4F2>'BI#T".6GPY$UIO2F4+TMO:Y7&G2#/FIT%_P"5^!/@/_/,JDP?
M@S8KOST9"/B+DPOAO*^;C(;_`%RG&_<C2?IWOTR@QJT7NJ4ZM$;<<,Q4`1<&
M&3ERH"T%'MC9Y>&"BD(T2`M^1+@N%9[3/QFTJ;TI6_57T;R5!9+Z53&B5+$2
M"KD$C?X5C)5N&4'SP\I0^J#'2YN89AEH\*;7(\:"RM253VX^G5(4E/KO6]8J
MA0R"+9:U.(E1$*Q`994"Z%8-C8Y@>].$/V2(B?76245$C;T-X_!<2]"2O6E2
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M=DKJ%N+T8_IV*_%^4LH.,-EDH36WT(U*998+,;T\W[FE[5O6M[VG?I`9%E`P
M!@#`&`,`8`P!@#`)>O\`\/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`HR4R%QY
M"(CS4>4MEU,9]]A4IEB0I"M,O/1D/Q5R&FW-ZVI&G6]KUKTTI/KZZ`TEJL>1
MGIKU['RC>_37KO7!+)K6]_J[UK\OF_36]_\`+O!<.L_?LQY%_GBY3^@6R?U]
MX&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R
M?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^
M@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GB
MY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%
M_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/L
MQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'
M6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]
MX&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R
M?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^
M@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GB
MY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6/LQY%_GBY3^@6R?U]X&'6?FZQY
M&>F_3L?*-;]-^F]\$LF]:W^IO>OR^:]=:W_RZP,.LW;'2^B.PB4ZV_)2RTF0
M^RRJ,R\^E"=/.M1U/25,-N.:WM*-N.;3K?I[E>GKL0K8`P!@#`.(Y/[9D_NA
M_P#95YN61F>91RD&`,`A+."'VBL6:KEQH\R)L];/ULJ&+Z>V(,#3XB8(GB2V
MHV]2?JLE$F+8D_"_QOP7%>S]=Z9,P?`*+]S[V85QB[UBMVKD@'M'0NH5@Y2>
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M?46I+<(\"KUQ2T<>LT,U3"-EHMZ(3+U?2UIG69VZ4B76JU73Q`3S69QX,#K/
M3>E-5>&].,,&$G!4R-\5PT98D28;I1:#=2;L?@U;"'4KC;0B.+C@MM[">Z%"
M-K@&8=WHN[%U+B76"'0ZG'&UA,#\KSF^8SZTZZN<RF0-E1)*IND)E#73C5UZ
MQJP-U=-X)U6QO^4=7IAR@0^?>4X[ZV+%#L^UC[KSZ[Q^45[ESXV(-#!YPJ[<
M_M8^BATR$+(!YPUB222WJ7[XZ45IXTR9*G/^ON^9)21<+&?"\:@EK4<U.%TN
MF2;37`'.*04-^1$ZW\<YQT`;5Q]GJ52LHOLT9I^8.%PM*EIF.[@_#3&:WRH4
M1=1"BO`CL+K@=VSVKBKA>)H,0DWL$#G"[E%%`Z`US<5PJ+%`4FIUN1RJ)&BQ
M[%*FQHXEHC9VW).@45;_`,=NZ6-2+97@)U\85CD`IK@Q2?&AEOF+M9Q)0A?3
M@6QTOD=&.\;<=/4"Y5\3SUL=S>?+'3Y,<SJ`1-IDI$*>BN.2VGA051C</[L^
MXH&TD47)<Q(P@RZ*_<?L\9*TXW;7`?.[%S=3>[7*Y-;Y[,CF\.3"F5:?\LU-
M3\:6RPH.XW'E*FE]0U&X:IX/W41R;RLYI/)<I'3^[\4$<<%W.L,V=@Y<28F=
MVF1,Z]V9_8@9+W>[6UU./N;N"\1D-/0W5:FO:4S\.Z71H5Q)SJO@GJ\WL]9`
MIBNMAH]4E#.;,W:7<+M:*1;-P.-QAEP9M%EEGSNS@I_G,]3!#4UPBPF<TEIU
M.M+TFN.(3-3C?N\NBEC]UL_1+%QPL7-_;(L#4+`NMCAO1SP6O"H75!@0=1:H
M&I-@5(!?'2B"Q,(#D;:1]9SWD*DJFGB-703!KP9ZT_66:X&D<!B_(AKE4+*1
M<'3=D>^![7U2G=!>O/3I1SF%OC5KJ<^/64Z($$Q;-(W*;WJ)+C)DI=A-+I05
M1V?XP<<L7#.7HH]JL0VU&U%X126:%Z):CRG&*%0ZG)6XHOKY]Q^00J;\CW+V
MI6VWT>Y6UZ5G25"-U.A\I!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'
MQ+M.R\Q&D8`P!@%B4410,(K$-Q72R8,M0MJ<IQ$)PBF.YN$W,4UO3J8JY.DZ
M<VG>E:1O?I].`?*0/]YI)6ZS)*<O>+P2GU83K0>C*)';6?!2Q@:FR=1X&V]-
MMDV>^@[D$;UZ*0[$!LZUKYA]7M'>@V8:\]]3STD7SR@O&V1Q:2`F.&BD0.W*
M:*GJ*%K=S#SW7-1B`P:X;*-D!J4_'<E1$LM2$J2Y@:39`'S$',<GH?1>A4LG
M4-E;8+H_19TPK7FZ;S8E,J,:UIL5BM3)>>)@5DNT0A1H*UO;VHB08ANK0YOW
M;$TXT1K(-]X<&)V,>+9Y/TLZ\?<=@#:C4JT\9N8R=6K-8:I=9<^/N3'9F#D$
M]!E0?5N&KY64^^\I&F?;L73@;TA]HZ)=Z8!O7-ZK&)C;6(YX7"BT09)67%F?
M;`N*ZW4#9M@E%%B+"#&1H\=GYQB(B$03)3(^)\)Q+(YHDZ,ZNP08`P!@#`&`
M,`8`P!@#`&`,`^7M@\\;913-WI]T!T:%T$/Y8UGD@RJ2'3(<:+XU9K+1A]>N
M$VZ;FF`UGM=VKEN8D#6V$#FXQ*2Y$DQTZ%S7%#O3T]%"LWYM]5C<A(V$YS=@
M;T4?VX?R@I!33;-&AUN*WP^#WR[D)=,M=JJ)DW(Y^%01!K<28@13$Z&B;#5\
M*2S$4&E5ZJ%[S?S7Z%T,L=7`J](W5HO=>34P$6?19Q;EAY1T_I/1.;1+I5EO
M/SF[5MV=3([D><Z@.S\YLE!<AZ4-:D$!'%(^E^#D8!H[R5O70>9<'ZCT'EM>
M&VF]4^JS#P4*6TMV"\W`<8>+S7(#1,(^:>#@]29C(UJ;#=)O1T1&WV5O)<2*
MDFZ,Y1M_E]T<=/L,FEBJQ;Z*/Y3RWNL&\1:49C*>Y)88!6;?+>"K1KIM>D7R
M&#C08\A3;4L1/&_.)C;B$7D;4H=:53K)/MOF=:..]*0(D4J).YY8:5)(<]./
M";8PW9K`JL/%X!HA=F&7ZI7ZQ'M+D0$2'2&-%!^I22;JTQ/1M0BC5=9D/BOY
M5VCOQ:O**0*(BO6[FCUM$+J<DP\1'&*L&XR_:G"2R<AQJ37K03Z]IP%[68[[
M4$;M;RGU2-?`"4:=IW7@Y&`<^>2G4[5QOGT.]U<:.+(@V^IC[%")BB$Z(FM&
MS4004GRB@\T+548(U,U+SY=R.6;AH1],%_WZ]HJ570Y2Z-Y;=YYQ$L%F53*%
M;^<A.J]$YJN]"!%C$QF7:T+K0:`_-"R+>6*.Z!]+FFH)!R"F8J='KTA+3,-:
MTNZ'2BGVGT'I%P!]`J->NE;E.S`=D%QB@^1(@RQ<G;3Z?U[4L9/;:G#ID=Y*
MFWF'DZ<9<2I"M>NMX.,C*<`8`P!@#`&`,`XCD_MF3^Z'_P!E7FY9&9YE'*08
M`P!@#`&`<9>63DT39?'&V#W[!990'J<<<SQ82WT=AGISEN+T\#NR0#5"6V(&
M7;C3+JSHUJU?&J\\=LI'F(:]R9L/F71VE1P*2\B_+1-%#\]"7SKD^UP^&]`>
MOO2"/$(C5KCW6OU;I%O^U]2B0.6;'OS*O8*<Q59&I<EIN5*=4U$&RY"FI^N:
MRI3&IU1&=%/(?SG-RNF(JY$($C`+)V!0!MOC<NVV6(,YS1O(>T\UB3PDFJUH
M.NK]N'T>E36IK4\A/>?+S(\%<-,J"W&5D2B/RZ>1GG;7K->:@&CAI.Z/7>LM
M56R6'DI%,SLDBM'^Z"(-H"5NO5>4*E6.IHK-.D(&1B@<<1@SI+JT2-S8:F#<
MA1$O=NW>4O/+7>997HMN*Q*@ZU7AU4C\2&)(=8K='\C>UU"P6/EK<&B&ZRWV
MJXT2!54QXDMV."(QY6OE]PW),26Q:RJ*(^O"O3>][TE2-;WZZ0K6]*1K?T^Q
M6MJ5O2D>OIO7KOTWK\.\[.3\P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!+U_
M^'PG\;C?WZSG,O"^PL?$NT[+S$:1@#`&`49+KC$=]YJ.],=99==;B1U,(?E.
M-H4M$=E<IZ-%2\^K6DIVXXVWK>]>Y2=>N]`<KR$#)L%\=,\'[))'RX;4"6/D
MP/%I^)(@M'I-K:@R(R^P+CO16;1,>));WK:$D'5R-:^*K:]CKV_A*2(@1M)9
M#?@T>0@\1T8.(0+\5TI-%]3X)710LE/7=:(D=%!<:3\=[WN_,1VG/=[VT;T)
M[23GSTE8\*(3\,+B1B#2K1T=%GM>,4R/`-LPDC&3$)B1V-QJ*4:'(U'3(1I+
MJ6-:1I7MUZ8'M(:.,KL.`-%Q/!,Q%&!Y2YH@='#^*C$`5-=3/0Y+&PVNN)CP
M93B2LK2G&DI7O4EWUW_C%^HOM_"9J#NUCK`B``K7BETVO`14=,06$!D?'$2(
M&Q4;WM$:`-@=JCPX<=.U;WI#:$IUZ_@P3VDM^52__P"K7V+^D7C[_7A@4ZQ^
M52__`.K7V+^D7C[_`%X8%.L?E4O_`/JU]B_I%X^_UX8%.L?E4O\`_JU]B_I%
MX^_UX8%.L?E4O_\`JU]B_I%X^_UX8%.L?E4O_P#JU]B_I%X^_P!>&!3K'Y5+
M_P#ZM?8OZ1>/O]>&!3K'Y5+_`/ZM?8OZ1>/O]>&!3K'Y5+__`*M?8OZ1>/O]
M>&!3K'Y5+_\`ZM?8OZ1>/O\`7A@4ZQ^52_\`^K7V+^D7C[_7A@4ZQ^52_P#^
MK7V+^D7C[_7A@4ZQ^52__P"K7V+^D7C[_7A@4ZS"P\U->W8]@O#.ZA_M?:47
MBU?5N_&>'JQW-MT?(:M9O3'9D:)V)J0)BNIF/>^0EV.VO2]*0G>@]IBVZI3M
MM/Q5>"!]8R2/:%O`G(GC$Y6E0V;%(MJ=:K"^R*KR)*[/)5/<?3&T^[*TEQ:U
M*0C:1?:94.G(#R"TL3X87`7+/GHEI.RAS7C#"D&K./>^9@6,L]&[$TX1/0I'
M^,9F/;7(;7^N2O6_IP3VF9_E4O\`_JU]B_I%X^_UX8%.L?E4O_\`JU]B_I%X
M^_UX8%.LQVV6<M?*V9IUV\2>D6VIV*"\,/5NQS_'$R$,#W]:^+#(C)_:WXDN
M.O>M;]JT;UI6M;U].M;P,L4S%I`NNR]%TRO!,Q)2?D`I9[4@/XJO:-RZNW\*
MM22VG.N*T2D5UK];!6][U1$_0UM&L#V_A+VL;CTR=HM6?#6_B3>H)(6JPLSO
M'-VR.BS!^;:B8R18Y/;7SDD=-LA)^<MAR0IK<EU2_;[OIP7/I)4*<E5LE-,U
MWP[O0$P3&A@Q$L%5XSBR1`178OR5?%39T'LK$J6-!0O\3#8<6IJ*U^L;2E/T
M8)[3*?RJ7_\`U:^Q?TB\??Z\,"G6/RJ7_P#U:^Q?TB\??Z\,"G68U8K$0MZ@
MZ[9X@7ZT*KI:,?KZK$]XTFE`SL/UW#-!]DNS2=C"T3>]_"DL^QYO_P!56L#V
MGY*L$^</9$3?$"_RQ+$PN09%R7_&IX<U/L$<Q%/3$07.SJBZE&HUAGMRW/9[
MI*)K^G-JTZY[@]I+";]:@(P>$!^+'4@P83#C#A0@26\=!PP8/AM(CQ(`^!#[
M8S$A0XK#:4-M-H2A"$ZTG6M:P/:2'Y5+_P#ZM?8OZ1>/O]>&!3K/S?5>@:UO
M>O&KL:MZUO>M:L7CYZ[W_P`6O7N.M>N_^7>!1<3=4=Q;S#+KC#L5QUIMQR*^
MIA3T9:T)4IAY49Z1&4ZRK?M5MMQ:-[U^M4K7IO8A5P!@#`&`<1R?VS)_=#_[
M*O-RR,SS*.4@P!@#`&`,`]I<6C2TH6M*7$^UQ*5;3I:?P^U>M;UI2?7]3>`>
M_F)'IK7QWO32DJUKXJ_32D:3I"M?KOH4C2->F_U/36`?FWGMZ3K;KN])]?;K
M;BMZ3ZJTO?MUO?T>J]>O_/\`3@'YIYY.MI2ZYI._;ZITM6M;]G_4]=:WZ;]G
MZG_%@'ZE]Y&MZ0\ZC6]>F])<6G6]>W:/3>M;UK>O9OT_YOHP"E@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@$O7_`.'PG\;C?WZSG,O"^PL?$NT[+S$:1@#`
M&`>'76V6W'GG$-,M(6ZZZXK2&VVVT[6MQ:U;TE*$)UO>][^C6L`Y]!^4'(B0
M,+9+`>3S<-;&BI.B2NFR0]/<O=4$BHYQZ\5R#,+.$6ZJ\*E(>;=GM09.DJ3[
MV$;6WI8NEF5L]ZXM(`6:TL=2HSM=IK@UFU&&[&-5"`/&$LJ%,E'=/_\`A7B2
MW]-L)5KW./Z4TG6W4+0D*,C#'DGP"OJEH-]BYV+<@R7HDEN;:13#J'V(XV4O
M2&ER-./MK:,1--N-Z4VZY);;0I2UI3L*,M&?)S@JGY\67U6BC9,$;+/?`FVR
MN;=F5J-OT;LD)$,K,VZ(([2OY7:O8](VTYI+>]H5K049/5SN'-+H0!0Z)9Q=
M[B'9KHY!VGDA9P`.FIJRKE$8(DHL_:4N$@"?BLZ82_OZ=:<^'ZZWL*-9FVL$
M&`,`8`P!@#`&`,`8`P!@#`.7!WEISTJ,L=@@USH+U8JG=YGCX<LB0(Q0Z%;Q
M]C&TN89=B)/*.-55JZE6A6G5PTSG']_&1$5#VF2H=:7D7Q[RLY<`(=7@N(LI
M5KBY2H`KW-KPN(=T/-W(@$@0Q[8@<3>L_P`$4FP1WY\]Z`R*CL)?])2UQ9*&
MA%%LV13NHB[E=.CT1BOVD(9YE+!QS#YV$,;%E6+&V5?#SP$X67*ID,2H8G;Z
MF9*8LQEB1'6XRC3R/4&J&S<$&`:M[7UZJ<%Y;<.N79LL_6:7`CS2$8%$8FEY
MCDXE"#CH,!F7+'P$/SBA%AGXLJ3&AQ]+V[(>990XXD5*KH6<'L8F9<K+07:I
M>!]IKM%@="CCIP@?Z6<%,3\)]JMR89B9'?*#"_H/?8E*B>Z7O_$J>92IY(4-
M4R_,[D<.-6D+'WQVQVH389HVEQJO\>R,F:]U4/Q%=,(K00W78-I,]/+*%CDK
M(?)3?DI<A$GY2.M_!=+]AT+0+S7>F4FJ]!J4M<VM7$&.L(62ZRJ.^N"2CHD-
M(DQU^JX\IGW[0ZWOUVAQ*D_J8(U1T9E^"#`,)O5]"\]A5^><BFY,>R7:G4*$
MH(&F&/E35Y/0ZV$E%]Q$*0)")*3VDR)C^T,L^].M[VM2$J`YC<\].#-CZZ8T
M_9Y`>X%[R(J!."/#$8]D=H\86XX]`9@'Y,Z-NS3C42&+BRV8Q%V1):4_&CL.
M(>4.M+.SF74OM-/(WK:'FT.HWI2%ZVEQ.EIWI;2W&EZWK?X4J4G?ZF]ZP<E3
M`&`,`8`P!@#`.(Y/[9D_NA_]E7FY9&9YE'*08`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`2]?_A\)_&XW]^LYS+POL+'Q+M.R\Q&D
M8`P!@%I/5"1!FJ)KC-C4Q)*B"YJVVX:(6F5[EKEN/;2RB,EC2MN;5O2=)]=[
M^C`/FF4YQX<'ZV)J)KR_&%:J&KK5*'B'NS\42G?/1<\&<IM*E$V`K1><.HEB
MKT6<.FN2%%7U(VU/ES6%*:VH=UEP+XCSCP4(5;J53WWSEL>#U3HL#J!.8WT;
MBKY059QMTG]#B-L3)L&5NR!&K@8G24PSZ2[3;<YYAOV-*TE*@K+.A1IW,_!V
ME6DK;AWDM499$D1`3669W9>2(AC(M7Z'4^F`0T-(R(.DO"Q1ZFPXT=,EV0['
M%(3#:<0RU'TR)WN!CQ#E_AV`J,F'S?R0Y['MHNP4V[TV>>[SSEB(,NW/6K2B
MGE9,AH2<:VR,?N$J0IMT?-9>=;:2XRMKXC;@M95Q1L[QL7XS^/\`7%1'/*7E
M=LL1<'2(MDE2>D\K&`/KZIUS8.<>!A@KHI+)6QK?<5/(2U2B4UIN,T\^IJ,P
MA`CU-Y'3/]I+QU_/YQ;]*=&_EW!*/@/[27CK^?SBWZ4Z-_+N!1\!_:2\=?S^
M<6_2G1OY=P*/@/[27CK^?SBWZ4Z-_+N!1\!_:2\=?S^<6_2G1OY=P*/@/[27
MCK^?SBWZ4Z-_+N!1\!_:2\=?S^<6_2G1OY=P*/@/[27CK^?SBWZ4Z-_+N!1\
M!_:2\=?S^<6_2G1OY=P*/@/[27CK^?SBWZ4Z-_+N!1\!_:2\=?S^<6_2G1OY
M=P*/@/[27CK^?SBWZ4Z-_+N!1\!_:2\=?S^<6_2G1OY=P*/@<@*J/BO]N[1T
M9KS)J[=BM79P_:R43?1^"N5F8:JM.C4NE@B]<V%U#+B*C`C)?B2U[0;W,:C/
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M16@2?`T?6Q?CE1U%F:-YOA0`\[6*E1)?S'4N(G#X2CT/F9?G]1`TJV$A[AT"
MH.5((L*79;I-*C.Y3OP__'/X+CTH@$<J\$VQP=M'D/SY5@#<\F\S39)76>2D
MHQ6OR6!$.(_8>=E6IW(3Y80/"LM1WY5><WM>UR'=.RE?'TH6LN!TWSKJGBCR
MRA4[FU/[CQB#5J+6P]5`17.JT-QUH6$@LP(GQW&S++;DA;3&E.*2A"5+WO>D
MZU]&ARU)XF9_VDO'7\_G%OTIT;^7<"CX#^TEXZ_G\XM^E.C?R[@4?`QBV]F\
M8KF-@BB_?^0MQA]GIML8W"ZS0V'=E*-;`MR#(<6X7>2J&X6!,I?1K6E.,[4G
M2D[WI6@H^!RA#Y!X%Q*$6YQOR$Y[)K98H-E^UWJO'&)@H37*=JE4^M!W1T*"
MQ'&U<?$@OHD/-2"1*2/9V2E36_B-+'59<#J'G'5_%[F%#J?/0/D'R24&IX."
M!'2"?5>=JG/QH#6FD.R$CB(X:PI?IZZ9BQHT5A/HVRTTTE#:1RTVZT,U_M)>
M.OY_.+?I3HW\NX%'P/S?DGXZ:UO>^^\5UK6M[WO?4Z-K6M:^G>][V=]-:UK`
MH^!N5A]B4PS*BO-28TEIM^/(8<0\P^P\C3C3S+K>U-NM.MJTI*D[WI6M^NOH
MP0JX`P!@#`.(Y/[9D_NA_P#95YN61F>91RD&`,`Y`\^NY=9\9?#OOOD'Q2I<
M_NM[X[0BW0$!.GF3P:H_9VM,+*6B?(U68CYDT3AAH[GR(UMZ`B9*6C3DMAO2
MM[YDZ1;14DW1FG+[WORIB^8@_P`>^<D>%&ZE8_$WI7DG):7R/JMGZ+R",!;J
MM,YC]IVZ[U.+$ZD[U/K!(PV-!BQP:?)&@Y#3<G;Z?BJE7JHN!:*G74VMX"^1
M%X\H_&D+U;I0JN!+VST;M/-K*+K06PU%,>;R7JEJYZP[8^>6XH=M?*KL0'@6
M9)>K$ITV:#F/*CN/+]->EBZJKS(U1D+YJ^2/2?'A/,'N=!`QK[1P^KV"RLF:
M3:KA&T)YH'J133)$A5K""WS:JNHL+SIBV3FR$$!#C_,NQ74)6G:3:R"52.MG
MW@G.ZB#LUD(\_N30@=`(6VE;DGZ+'G]4YH$LW2JK8+M2!FCKI%^8*G<J)/I"
M/LMDGQ[T66K3+*I2H<UHNE]);E/-,Q8"U2"\YY+;&(Y#M?.J=9K?8I]'=#B>
M;V/R9*^.KEKT&C691U;EVL-&LC`QEIIR:-9B,3)C"$2&V\NKAQ%"IVSRZLHJ
M85H/+:#96;-,ZT'Y+5.BDI%"=KA<M6^O\5Y[V_0<(<-;DL3Z7#Z\PT.<*Q41
M",IM]UM*FHR=2(Y8T68IA4H]T\GNH<AMG8BS3-$F\JYO;.?\UT.W6#LKHC)O
MHW#2/3(%X'$MW4;7K1$K]BCMMS*ZY#&N/AD/OI*,N,[]U<J,)51&%_O'^:5.
M;`AW#G72AT3<:]%"IR$Q62NXU2H-LM?/)-_:K0@^2+[`6&]4(RPS'VKYD=`B
M:FS?A,.(WMJ1*&43?,:]`[L9H]E\7;N./(JU`L55K@_I?+2]B.OVJI=OZ)88
M!1YLY'JX+=7H'#YTQ"OGW_FYKR(2?12T.XJZTH*&2\P\S:IU>Y4BN@N?W$)6
M>DD.C0Z%T:VE*F%KMO1S=;$>>Q7X*2\LI.M!=];KT8`I+1C0N(^06Q\LTI6B
ME44.Q\Z(,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_\/A/XW&_OUG.9>%]A8^)=
MIV7F(TC`&`,`;UZ_1OZ=;^C>M_JX!!"B]9.J)(!E`1E04E(#&$"IH\BH28B:
M1N4)))ANO;@$HNG$_$8=]CJ/=KU3KUU@$O\`+Q_^P9_[I'^#@#Y>/_V#/_=(
M_P`'`+5;PIN='&..CT$I<69.BCUKC)G28(]Z#'GS(\3>]/O18+Y.,AYQ*=H:
M7(:TK>MN)UL"J\F#&9=D2$Q(\>.TX\^^]IEIEEEI&UNNNNK]J&VFT)WM2M[U
MK6M>N\`LED0#8UDRY.#MAY+<)V.57)A)&R&B2V&ASC,Y2]176Y[DEM+.TJWI
MU3B=)]=JUZ@5XKXB:Y.9A/#I;HR7]7DFHKD:0X/G_*Q9WR4Y#6UJB2_DIK+W
MPW-)7\)Y"_3VK3O8!M\2]-E#6GASI&"Q$E38#;D9<V'%(+EMP),J*G>WX[$U
M<!]+*UITES;+FD[W[%>@%W\O'_[!G_ND?X.`6T-P61B1YX]R!/@RVD/Q9D-<
M>5$DL.:]S;T>0QM;+S2T[]=*3O>MZ_!@%S\O'_[!G_ND?X.`/EX__8,_]TC_
M``<`?+Q_^P9_[I'^#@#Y>/\`]@S_`-TC_!P!\O'_`.P9_P"Z1_@X`^7C_P#8
M,_\`=(_P<`?+Q_\`L&?^Z1_@X`^7C_\`8,_]TC_!P#$47CG;DUX<W;Z6X0CV
M75+D0$'P:YK%Q5!:*)J;T5,O;[5EV,?1(U`4G4KX"TN>SV;UO`HRO/MU$%.E
MF"EGJ0U\"H.@ZS/-!H;H5=A=^``26;D26UCE'']^R'I[2-R5_0W[MX!)CBE<
M,/%(PDB%*2`<]0HU''2X,UX.40RU(6-*-1G'5CYZ(\AMS;+ND.:0M*O3TWK>
MP)3Y>/\`]@S_`-TC_!P!\O'_`.P9_P"Z1_@X!&&B=>K8@E8+$0#``(:%))&#
M9J7!%"!(Z&TI^60)$ISC$.#"BLHVMQUU:&T)UO:MZUK`$4C7YVW4PIX:8IB%
M")/IBRH4C;(\DV\Z.GNZ96O;<*>U'<4P[OT0ZEM6T[WI._0#'6N@\R?B*GLW
M>B/04`)%K7-:LM?<B)JT28L?*LJI")NV4@(T]M3#DS>_ET/)VC:]*UO6"T9E
M\;ZOF1V)<3Y.5$E,M28LJ-\!^/)COH2ZP^P^U[FWF7FU:4E2=[2I.];UOTP0
MK?+Q_P#L&?\`ND?X.`/EX_\`V#/_`'2/\'`,?L%DIU29@R+4>K-98)D&!(U^
MP%!89D@5DZ6J,-@N$GXR)9"0EM6T,M[4XO2=^FM^F\`B8?0^8$6W7A]YH<YI
MB48@/NP[-7I3;,ZO0OK,_#=6Q-6EN4#&Z^8F-[WI<9C_`!CFDI^G`HS-$LQ5
MI2M#4=:%ITI*DH;4E25:]4J2K6MZ4E6M^NMZ_#@'KY>/_P!@S_W2/\'`'R\?
M_L&?^Z1_@X!6_!]&OHUK\&L`8`P!@#`.(Y/[9D_NA_\`95YN61F>91RD&`,`
MQ#H%`I?5J+<.8](K8VY<^Z!72E1NM2,)?6)LM9-QEPBX4DB,]&D*A$(KBFW-
M(<0KV[^C>LC2:H\AD84=\>^+66?U`L:Y\*EF.T4>G<UZ@:9GGQARVT+GOUQN
MCU9XT)+P"H<95G;!.=B?5KT)U$B4X]M>W=^_2B+5D[R;D',.$4(/R_CM("<\
MH`%XK+&5D`B5\J@@>*2SA\O-F$),XJ9.'C4]^9.GS9$B;,DNK<>=6O>]X22R
M)F6O2^)\H[(JM*ZC2!ET34))657V2DLRQ%B[.QXD0Y#FPQ9,?$.AC<6`PW,'
MD$2Q\I#*-.LKUK#2>8K0P`WX@>,MC^T.S7':Y,5:BA`L<<01M,%V0^8:MS)P
M?"=&V"&Z#K-@3T`]LD%@;BAB*S,U<F*ZN0ZI32BU9D$KQJX-,+TD](Y@`46Y
MR8=L%+EM23D708RY>)O2T$'(D0LQ!-/0NA$Y1J)HBU+1!(RGGHR6E.N>Y1"K
M)%W@'%WKF;Z&]SH"[=+%/%E2YQUPJXM\L(,U&Q12\4<LBH,)+R#E`!2ILJ'&
MCODW0\/<Q;^H[>M*(591/>//$K3<[!T*R<X!'KE:`<JN'3)5XQ-3,%3JE+H,
MW30AXFH"-*2Z-/?#N$8L5@DH8\N/N1\):D[468JRLO@/&5RA,S\GP=MT+"MX
MN*W'EFXD&8&OQ8B>N0"QBXI5D7<JW8#I>5->&F&9\!,J0XZVRA:M[Q1"K,,D
M>('C9+%,A9?+HTL='#":]'3*M_1),UD(!>M3@4:T7>N"S*(XR+>34%GTD>](
M@K*&^OU<\N+MI0JS.8G"N0CR]4-P*&*@3**>L%IJ$:%+-1`("SVAPLX9L<*J
M1RC=56==4>G:CRW83C\!$MY$13"%J3BB%6;9RD&`,`8`P!@#`&`,`8`P!@#`
M&`,`8!+U_P#A\)_&XW]^LYS+POL+'Q+M.R\Q&D8`P!@%O+85*BR8R'WHJY$=
MYA,J.K29$93K:FTOL*5I6DO,[5[D[WK>M*UK`/F;-\7_`"/30.?T.F&J;S!Z
MB4E^@M6&A]+O5<CSBD%NNM/=<G``-0%(/6/H0(=.%R8)1^6[7GIRI\6;*D:]
MVQWJ5:O$O5>&W9%$_E=]HN6J:P3G$88E/=>Z)(:W,ZJ)(_!E%-&_K25&:XN.
M4!0PN4MAIYQ2D)TMQR5N8C4O:4*WXM^4Z3`XE:^V2Y#H1P82>DPNL=2=CW*Y
MPK,HHS<"(!,,:(!P(-,DHK^P24RA4W<%,QYKXCGHFBJ,AMOC-WPUUV[=*`7P
M>-4-)F"O'W3O1.CRY<*;9K'QDA8Q%I'UQ@"(_)J]7>=SH$0&VA]<?<YQ:Y#K
MJF9$4$U2AK:+XA^5LH$&8,]N,,2]V;6B8L;V.^38T"EMN6J6&@-RC%5>$%UA
MYAUMN;&=%IT6@[^"[(WJ)%P-42_;\-O(8<T'J@7JL9BF!8-4BUU1/HO23[53
M&UV#*=+US[(G8A$9;DV*Y/CS,8C/E;DB=`VHC"4L.)2V&I$53?#7R4'6A\B3
MZG/KM:.%JX5-5VK=SZ@0V_)@+J`SHLFP'R5=@6:RR.K"@&Y+:FI<!X"[&CQ6
M'E15/)V#DCI>G\`OD?B96CV0S'A7L]>*XHW=Q-WN*KQ8N7UWJD*QM!KAU`<S
M7[26M4VA+(P'GH38Z'\2<MMEN.TXO>"-JIJGC_B[Y`U;J%*O75.G3>CZJ-N0
M0;3*Z9<'!+8.5RNXT]4J!5GP<=AX^*(&8D1_4N2]'+1F=3U_!FI5IT&UT$9`
M\5?)<,D))1UQTROY_2K2$WU;IX47-1!`QP])(B-QH3\44U0#KCAMP7'C1H9]
MQK3$U2M+TML74BR&^(_DG)4@H1[(8`D!R1WV7$0>Y=HL0JORX%>MK4Z81D3M
M"DW1)_HDH98UM$XKJ6$(V.UI42,VAX-2.N_&3G/1N7\SU6^J7,K>KBZ>)$R)
MPG:)EK:>7(CP(S[XB61#AR`P49(0WR:1SNI'R#\]UEMY326T('+=7@=#8(,`
M8`P!@#`/F5"\8.NB3/1A$2G\V=Y!:_+F)W2+6';B](NHZO0M";N?)5NSR>>+
M7$*=#Z^,:G/"I3WN%#OFX44FEF3%^0'=5[:&$]4\).G]7LUYZ(/C"Z(5N%6F
M20M6)W6IV!L#TKJ5;KH3H9ZQ39'#K`R;"TD6->@CQ\QT[M;S[TD5("[TS@*2
M1TUXJ^,QK@%JZN0E%]R:S8H5.K%,&/&(9TGL95#_`$NT$K58"4:FU.6X9M9O
MI<A6VI[YV?&8C-MN$Y*=(2V))U.T<'(P#0'E/R^5V?QYZSS$<#BV(Q:ZG*BU
M\7,L[U-8W9H,B,6K!#[2,A;'H8\%L$"--:V[`EQG78Z6WVELK<U@J='4T%;/
M';JA&K]6#M;ICUV\B?'OF?$NA=`JZ(U28"W"F\Z[3!/]'G#=!EO$`!`Q9!`H
M;#CH?E1HLC>]MH8B^Q0M5[$SG"V>!';;7H42V?K8HG#@K+$V&+G`E39DN!;7
MFJ-30EM>X<DR+GT7FFF&D'I:9PF98H46>_7G7?F9+@NI'TTX512W,.,<LYR=
M=#OF*-0ZQ52+U?;?;#+D@Q,4<YL?\RS%?=C_`/A__:*98V[OU7\%K2OAI'+=
M74VO@@P#3/<.8O=<K=<I[C%>?`JZ#23MR2>BJENOU*K&F;*2%!6OEI#?UC8Y
M0F.,>VM3*4CIDI6E^_2$J%3H<?\`5_!TC?PQ<^/D5D/UPSU?HEV2:@/*'U:#
M6C4""#JP(@+:KCR3[C].Y]6Q)'XS'P].2R+ZM2V][CR!TI?$=W\UA7<=0:C`
MZ45@F[[$`CV+86&Z9^3G&D,)U,?:<C"@,:1O:_H6ZU`@-/+UM:(T=*M,H'#Z
MC-\`8`P!@#`&`,`XCD_MF3^Z'_V5>;ED9GF4<I!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!+U_^'PG\;C?WZSG,O"^PL?$NT[+S
M$:1@#`&`4)4=,N-(BK6^TB2P['6Y%?>BR6TO-J;4N/*CK;?C/HTKU0XA25H5
MZ;UO6]:W@&C=>/-5UK6OMUWG?IK6O7?D)V7>]^FO3Z=[NF][W_RX+7L/W^SU
M5?Y\]X_V@NR?CIDH75V#^SU5?Y\]X_V@NR?CIB@U=@_L]57^?/>/]H+LGXZ8
MH-78/[/55_GSWC_:"[)^.F*#5V#^SU5?Y\]X_P!H+LGXZ8H-78/[/55_GSWC
M_:"[)^.F*#5V#^SU5?Y\]X_V@NR?CIB@U=@_L]57^?/>/]H+LGXZ8H-78/[/
M55_GSWC_`&@NR?CIB@U=@_L]57^?/>/]H+LGXZ8H-78/[/55_GSWC_:"[)^.
MF*#5V#^SU5?Y\]X_V@NR?CIB@U=@_L]57^?/>/\`:"[)^.F*#5V#^SU5?Y\]
MX_V@NR?CIB@U=@_L]57^?/>/]H+LGXZ8H-78/[/55_GSWC_:"[)^.F*#5V#^
MSU5?Y\]X_P!H+LGXZ8H-78/[/55_GSWC_:"[)^.F*#5V#^SU5?Y\]X_V@NR?
MCIB@U=@_L]57^?/>/]H+LGXZ8H-78/[/55_GSWC_`&@NR?CIB@U=@_L]57^?
M/>/]H+LGXZ8H-78/[/55_GSWC_:"[)^.F*#5V#^SU5?Y\]X_V@NR?CIB@U=@
M_L]57^?/>/\`:"[)^.F*#5V#^SU5?Y\]X_V@NR?CIB@U=@_L]57^?/>/]H+L
MGXZ8H-78/[/55_GSWC_:"[)^.F*#5V#^SU5?Y\]X_P!H+LGXZ8H-78/[/55_
MGSWC_:"[)^.F*#5V#^SU5?Y\]X_V@NR?CIB@U=@_L]57^?/>/]H+LGXZ8H-7
M8?F_'FJ[UO7VZ[SKUUO7KKR#[+K>O7Z/HWJZ:WK>6A-78;SCL)C1V(R%O.(C
MLM,)<D/NR9"TM(2VE;\E];C\AY6D^JEK4I:U>N][WO>"%;`&`,`8!Q')_;,G
M]T/_`+*O-RR,SS*.4@P!@&A?)OR5Y+XA<3N?D%W`F?$\VHC,-PW)J]3/78^X
MZ1E(APXPVNUV),GR7''5[4XZY\&)&90MV0\TTA2]1M157D5)O!9F(EO,#EU;
M[^!\=;97.LTZR6JC7WI%7Z'::"L5Q*P4KEE.!7CHY\=TK9=Z,@=2@UDAMD'I
M$5AAF<[J/[]KWKUFI5H*85,S\:O([EOEKQ6G^0/%IQXES.]O6EFM3[-7"-2-
M2OLA;SU'+NRJ\62@D.:4=K<GX&GDH6[']CFTI]_MU4TU59!JCHS).E=:`<Q=
MJ8R6"NMTM=[(%A]-HG.@#%BMY_[.B]F[,3:C3R8,*,`UH7MMR;.GSHD9MR1'
M82I<B2PTXK0)5*13NW$0.K#]HNQ<LK;M/GB1%RBV'H=/#RZ<:.L2)`D%:V)I
MIO8`U/;A2--1I.T.N*CNZ3I7PU^BJ%&51_<>)%Y5;@B>R<H*3;E()Q*A$'=%
MI\V5:I(63*AF(]<8C&''3;HN9">9D)C:<VTZVI"O16O3%42C+1GR`X+(9!R&
M.X<?>8LVS.JX\WTNEJ:/[KJG$V#ZF7HUM)+ZC4UO4OX/O^7WZ:<]N]Z]55Q+
M1ES>NQ4ZBB19#T+W<C8+N-YM6:ES>+!MELL=\*"9-B9K`Z#]:#QD6;$J\)\M
M,<GS(46&+87)>=0CV>]5$.77_O&/'YVU!ZB!=*'BQB+57?J]XU0*A8!I&Q@.
MIVHG6RU3O5QK=A'62E@^/EM%(SS+:4$5QH33CCKV]HFI%TLZIWVGCB"NP+W6
M.:1SZ+./H[H&1?*HT98O!6*J9`I3P[9;<E-NE,(5M`[2=RE>W>M(WEJA1E_5
M>J\NO<Y8RC=)H%U)-BOKY<"HW&O666@']9/!_KE<<,1FNI%[+1W(VI&]?"V^
MA2-*]VMZQ5$H9[E`P!@#`&`,`8`P!@#`&`,`8`P!@#`)>O\`\/A/XW&_OUG.
M9>%]A8^)=IV7F(TC`&`,`HR-N)COJ9]VW=,N[:]J=*5\32%;1[4J]$J5[O3T
MUOZ-X!\6N7^2OF55.<5882J-DM%G,:LA279^I\XZ@0!Q(C'*01CT;L`:IU.S
M,O5_ID0C'(0YX%N,E^<F%`(/Q&8\G;$[:C4ZMY9W;NIICK$@OSBRP)H#G=QO
MW+Z%:^?781:>DE=D#4X:P]:I)<E5ZI\G*:BA]5EO4J<RI_4EN0Y%VS[A&E\I
MJ4/Y7>7YXB+#P.0"VY#]5FF21ISE'4W0+;XWV&1KPQUTZ.T_JXA9J1VXSSK3
MXHY`F-I3-9:2MT72D3RNY^90LH>>1RZ'8)8`=%?(QFZ#T`<'O;D"\1:Y%%4E
MB7;)42CSR8>S;FR)C[Y=&VQGO4UIK:MM!1%#G7F)V0\#[>;,B:T;%<VY!UNW
M5BSA>2]2J8.5<.9>]R0/OD"V'7"`3YIUU$:$+@NRIA'4$@\IV'\..V\#BL"Z
MH?DIY<7#I`NJ*YG68E&D'@8]KH9#FG4`;]JIDJVN1'.G!JL4-)77(!<#%>C;
M&$YFI(F5\&<M4J*^B/@4C3K)3HWDKY*UPY:X53Y]'.315DZ,-"TYSB_6)CTY
M-;L8L/3!;E['FFZ[*U;*#,D7CZU98U#W&B["MHU,2Z_H1)=)9J[3YPI(-U[[
M(T-4I)+?Q[6GB/3_`*G<%[Z_OE266!'Y4/<B<FNMJMVWU3U-[AJ2S\+3.OF]
MBTCF6(3R8\OCT^)IOD0X6U'B)L%L$SN3]01*KOR+Y)#7/(1V388(VP'+N#CP
MC48M%9=8#-3=PI$21(2E>PI$R.]]F\E1W<;$BNU0D8I'+YY%N6)KW-KL9%WR
MI64MQD?$$CC+QT#%G]:KS,XX0TIJ.X-BQ$H:2I],E]^+"45#!ZQY2^9!]%/E
MZX_7HPHWT:NTR60-\ZZ?7&]AYAF]JD623N04FRPD<T(!C(<=?R<N+`GR-NNO
M/LR8R$TNE'U2P<#`&`,`8`P!@'S*H=D[S*MW4@Z;3U8^S4?.ZLQE6K=>EQ:O
M9^0VJ#$62YV.!V:HM2@%5Y7!(M1",X.XJ$0F0VB#9#?SDR*@=X?(:]Z7UWR&
M?G^4:AL;J<*0N%")>/\`*KP7J0R&)8A1*0[ST3]21.1'H)H_TV2;+SDL>Z3O
M4L0Z+.+'QW6-,`DL#ZV0%ON083DE+J)*XD9<A#Z&6GT/J90IU+S<=QYAMU+F
M]Z4E"UHUOZ-;WKTW@X+O`&`<V>84NX#_`!B[61H%O*T2WC:,1)!;*#$G#)>*
M\/<CS)`\='K(D[8H4H_"8='I(084J6+W*^=::6MA.MBQSQ.5:GT#OQM75$ND
M>L\\.V#DME4'&]%HYDJ!Y3;'ZY52/%E#RH>DED%#4D`NP/69]C19*"\)*)$9
MI[Y:&\.J(O?&F[^5QOHO)8O2JIT8=RM^H=R8BFR:J^4@V"-J_P`:=S`]T0H7
M@U'I$*RC*#'ACQZ9%?&*)*DS)DE#BUIW'!J-,,SZ88.!@#`.??(N!<"U7IX:
MA&;U7[2;Z?1!$4W1W/AZ#!WRZ)-Q,V;XD.;`<KXJE0R+R6I24QY!!,5C>_<Z
MC6Q4?/ZW63RQ?&7BX<WM?1YE7`=KZ/7JM6)`6U.';C1R_/:N47/KT^R\W!GG
ME5%Z!9G&/FH/R0XWIN(.?*::C,.#I:>G@?4KF5KGWGGU.N!2MDJ>0L=?'%I=
M9+*F+(!GI<=+BHDA9$<').>GK[D*E0X<I2%)V]'8<]S2!R\S.<$&`,`8`P!@
M#`.(Y/[9D_NA_P#95YN61F>91RD&`,`T%Y5\,1Y/>,W>_'%RTOT=GN?*[=S!
MZX1Q:3CU;9M8Y8]PN@*N<,06W#TKW?+JDL)<_!M>LC550J='4TCU7P3J'=NF
M=;N?6;_<"%:Z+XL4OQ+K%7I:VJ:;YK0HE\5TCKI0';W'#R)IGMMB%@HQ1+@Y
M,=`8&U!<3);><R.-75\`G3(V1X=>,^O$?B+'&-=.N/7$L='[#T%-ON[(N,8]
M>L]/M/2'`J(HB-&A-1Q+]E4EQQ*=:ES52)24,(?1%815%0-U=3..J<QM%KLO
M-^B\[N(6E=&Y@JZ0!,JUU*5>*;8*KT4:'@VZM6.OC+/2S*=KF5D40@S81..]
M&EC](6EYA]YO=:Z5F#E@OX$?:&R++&^FC)`L.0Z](I@Z+SAEDC&B]Q,=7MUT
M3="\JUSF[<3%7#J*E!9+<>#N(-A;:>2_(E.RDS3B6IBDOP5NF^GD8@'H(FL<
MS,47F4HK;X5!$2;X/O',+O4+#5!O/Y+ME;CU5\<2YL-*RI4L>2ARV9:HR&VW
MF=/;FEUZA7`FZ-X`,UI-A*7WH:.D$;#+JA*R1HU0+*>.QZI?^-7TH(8(=`Z7
M=K!)F79GCB84AR:7VTE\HIQ/PF([3&BB349=QWQ?O=3\<?'>ONVV/6^\<FO+
MO:GK!;@D:\"IEUL@R[UH]4[\*K=E`:.PV^;7Q8%Z4++L.,R1[$F.^XVWI#M2
MPZRU5>HL(G@=#C`#0I[J4L@3LHLM]H#DFFP6E$+7:>;>2]-M]B;',FO@PH16
MR^2TXM'@)<5J&P.9A?&=^(J0AI)4CY_@:\3G<ZBEN@UX]2^76WI\ZNUHC4;R
M&EEZ;V'IU>[':1=U+4;L%3CVNY5Z]U6$H,3DQ=CG(C>_K(;-D>U],TEJ;BXM
MXRR^,7@-80UU@-U@;PZD<D.54#620'71#]%#U8#7NCWE+UN+5;Z\JX:ORH0I
M0H0-F:@%5QITN:U$AZ;J5&1O`ZQSH@P!@#`&`,`8`P!@#`&`,`8`P!@#`)>O
M_P`/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`H2M2=QI&H2V&YFV'M1%RFW'8R
M).VU?`7(::=9=<82[Z;6E*T*4GUUI6M_3@&BM#_*+TU[K=P/W>FO7TYWT/6O
M7T^GTUOJ&]ZUZX+W>L_?J_RA_G;P3]'?0_ZT,#N]8^K_`"A_G;P3]'?0_P"M
M#`[O64W17DX^TZP_:>`/,/-K:>9=YQT%QIUIQ.T.-.MKZ?M#C;B-[TI.];UO
M6_3>!W>L@1//^Z`:[JH`G?&(+4DQID--7$\@N`ZNIAD5/K(1=!(?1F1NHTY<
MES;R/A>UW;BMJUOW;]1:KK,B^K_*'^=O!/T=]#_K0P3N]8^K_*'^=O!/T=]#
M_K0P.[UCZO\`*'^=O!/T=]#_`*T,#N]8^K_*'^=O!/T=]#_K0P.[UCZO\H?Y
MV\$_1WT/^M#`[O6/J_RA_G;P3]'?0_ZT,#N]8^K_`"A_G;P3]'?0_P"M#`[O
M6/J_RA_G;P3]'?0_ZT,#N]8^K_*'^=O!/T=]#_K0P.[UCZO\H?YV\$_1WT/^
MM#`[O6/J_P`H?YV\$_1WT/\`K0P.[UCZO\H?YV\$_1WT/^M#`[O6/J_RA_G;
MP3]'?0_ZT,#N]8^K_*'^=O!/T=]#_K0P.[UCZO\`*'^=O!/T=]#_`*T,#N]8
M^K_*'^=O!/T=]#_K0P.[UCZO\H?YV\$_1WT/^M#`[O6/J_RA_G;P3]'?0_ZT
M,#N]8^K_`"A_G;P3]'?0_P"M#`[O6/J_RA_G;P3]'?0_ZT,#N]8^K_*'^=O!
M/T=]#_K0P.[UCZO\H?YV\$_1WT/^M#`[O6/J_P`H?YV\$_1WT/\`K0P.[UCZ
MO\H?YV\$_1WT/^M#`[O6/J_RA_G;P3]'?0_ZT,#N]8^K_*'^=O!/T=]#_K0P
M.[UCZO\`*'^=O!/T=]#_`*T,#N]8^K_*'^=O!/T=]#_K0P.[UGYL?Y1>F_;;
MN!^[TWZ>O.^A[UZ_J>NM=0UO>O7`[O6;VC:D:CL:EJ97+TRUJ4N,A;4=<C2$
M_&4PTZX\XVRISUVE*EJ5I/IK>][^G!"M@#`&`,`XCD_MF3^Z'_V5>;ED9GF4
M<I!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!+U_^
M'PG\;C?WZSG,O"^PL?$NT[+S$:1@#`&`49#OP&'W]I]VF67'=IUOT]WPT*7[
M?7TWZ>OI@'S7!>>9UF'6G+[1:\'E2Z55.H'FZJ;*69C5!NE8KUM'_5CDT:`<
MB6X+#)R(\L?)3M#NTQI#3WPI&T-#O3P-D6;SVYC3;C8ZS9:;T>(-!V9RK1+,
M.&`S48O*#%+.'O)-D&//N65@/1I=;]TI6XBY<EB4VY&CNI0]\,329#6_+H;-
MK\ZQ63GUS"?.].(TRKUI+5:<LRZP+Y4(ZY/NEA_^ECE>AP(--?ED7&H\]^6N
M.AIEJ.Y-7N/@:3&2OW@/*0C;NBM!['%GQUUEF6&16:S-+,3+E7S=WK(UN(.N
M<SZR)EN=UV6?;8AJD+^3;3&WZ$G&X*PTLRWHGFMR7FMKZ+4#(N[SB',8`V78
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MH4!G0ZX`S"),-E"ESF--.MS8\1U'PU"Z67T'SRYL3+*#0.>=@D2IYB/7J>M0
M6E1X]].DK+*K((;6W)-^:<A*//CY4IAXP@7':AQEN2'&%*:;<#2S(ZMYH\UN
M-3O=T!5+J4H)2*AN\,^RKC7R%RK[,R2-(R*D,A6&7.4L03B+8E:)H&);]-NZ
MVJ.E;R0T]!AHWSQH4*(8DW6N6`4VQ>M@JY."2*>;&VJG$KO:*>'N]?<AW.1+
M."Q3U:7];_*-..M:5J1%:DPU(?V&G@;4XSY54/N%L(TVLUKH`<H*J8>W3I%F
M!C(PN/&-AZA9(0B00#G3;$4^NMWX/.U'=^'IUF6M+2W'8DUN,(XM'3>"#`&`
M,`X0K/E??2%DN]</<_JXDO4/+L#P(G6G;(8AV2O\RN`V-)H?4)J'@$H;9)EZ
M1)8(06(3K,%`^6MIR3J;!DL+'6G\!&^1GFO,\<S/8!EAJU8EHJG.!-TYH\:L
M9BAP+:8F?6>I]=)6*T5QJNRV!$(-*(S9@1\GH=&:;C2&TS9<1EX51K0[ZC26
M9D:/+C.-O1Y3#4F.\TM#K3K+[:76G&W&U*;<;<0K6]*3O>MZWZZWZ8."O@#`
M-+>1?1+AR7A_3.E4*FZOULIE8EG!=74Y,2U+3%<9^L2$AD9'E%R,2OBU/D7H
M4)M<^<U$5'C)W(=;P5*KH0_->R%>AVBWAH(FK$`0OE7%^FT:V5^SSIH^^PNL
M#[P_I[X$NOQ%U\2Q.IOMAN^^:Y(BOI?6EI7^)P&C6G'?)BW]!M7*1EPHPZB@
M^K<9J]WK9*.]9+%`/=$G"RARZ4,#:$`AH+2:4)%[?UJ>F'.)1U*?98TEIY"!
M6J'9F#D8`P#6?4[N:H0BL%0X(>>28Z9S&D&$D#3P;ZI"W^\`Z9+.P=,BBNRQ
M`6\<:6U"5\LA[UWM3[>D_KA5B<67_P`RNK\V0?)%>5UJQTP'TN\\Y>Z%6BEN
MW6HLX`%J,82LLA^M/.#]QNA628((JV[M"_J29\GIY_2&5#I13[3OVI6D'=JR
M#MM;(ME09\=')#2#4>7#U(COH]?5<(@S'(07VUZVAQB0VV^PXE3;B4K2I.AP
M9%@#`&`,`8`P!@'$<G]LR?W0_P#LJ\W+(S/,HY2#`&`4I$B/$CR)DR3&APXC
M+DF7,F2&8D.)&93[GI,N5(6W'C1VDZ]5+6I*$Z^G>]8!"/6ZH1Y\L5)M]2C%
M8$54Z>*DV<%'*0(*(VIBYTX:\01-AP40E:>4\XVEO3.].;5[/IR`D!980<@M
M$P1<2=%R%.ICDPA."8&R%,.*9?2P0'/R8;RF7D;0O25[VA>MIWZ;UO64'HB4
M%AXVII@H,#PE2(T-,TN1A"X:IDQSX,.&F5/?CL*ES'M^QIK2O>ZOZ$ZWOZ,@
M,7G]+YN*L"ZF4Z'11EI;(11#E:(V^OP3[9:<*4=A"W`\HBT002EA$;F-,;;T
MZN+O3ND[0I*MJH49F^];UO>MZWK>M^F];^C>MZ_#K>OU-ZR@LU$!Z'&V5D("
M'GIJQK+2IL5+KQ-N,Y-<&,M[=TMTBW"96^J.G6WDLH4YM/LUO>@*CLJ+'>AQ
MY$J,Q((K?;'1GY#+,@@N(RN3*1`8<6EV:N+&;4X[IK2MMMIVI7HG6]X!7P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"7K_\/A/XW&_OUG.9>%]A8^)=IV7F
M(TC`&`,`MY;NH\24_N.]+TS'>=W%C-I=D2=-MJ7\NPTM2$.//>GM2G:M:VK>
MM;WK`.)`T'BP$&S7`WA7?1P)ILHE`IGD-)3&T@[%&PBS;K:K*KXNIL`/#C.:
M5M6OEXC#6O1MEM*1UCQ*`P/Q0+L,H1X8](&+K[L%X.[!YC5XST)X<1L!:.ZE
MYJW)==<<(VLD\^IS:]RESGOC?$]ZO4,>)=P8O'AE8A4L?X;](A54;:&;L/"1
MN751F%"MK"$L-V&,A%KTMDK\DGY7;J5:4J'O<97JPK;>PQXE.'`XT-":K@[P
MUZ0.#)(#"R(<#E]5A;;)!IY(B(G-28UL:EM21D@Q+TPI+FMM,R7&4^C*U-[@
MQSJ7ML5RF]SC)*X^('4+)-L*!:#KY;FE8E;+;"LO1!KI!"[;\.3)CCY#D/;J
MM;=<@KW%6I4?>VLH55DR0=+<U?CLQ'O$/I;L6.J(MB.YRFFJ997`=)/PE-M[
MLVTHW$>,2UM^G_45)<WKTVM7J)CQ-86RA<AN5XJ=V+>,?=&55`>2@PJ\*YQS
M\2&(.$JX3J.IA>=!)LVR6N!6R[\6,PDFW#:3M*M,^]/NW"XKI,@GU_CA:S.V
MDOXC=;*R_P`G%>Y0-&SN;U%T'7J-65VCZN#UT6FRH9#HTQ;I3.U-;UMMC2$-
M?"U[_?15\3+9A7G)"L.TR;XF]:E5A\N/L#HE[G5;6RY8!6X.QQ]3N[?\S]>P
M]C&-HF>_YG6VD_K\#'.I&"&>/`&93`;PSZ"-9FR9TJ4B+R6F-Z>>)*:W+TKT
MLWK\!:8[:$-:]&FFFT-H2E"$IU!CQ/1%/(BXN2&(^&_19(R4RAAZ(KE-/0CX
M;<AZ8RIE;5H0[&>CS)"WFG&U(<:=5M:%)5].48\252:YXV'(@(OB;U8>'+!7
M:[/@"N:U80R^">?5*<%:V,MD1QF%N2K;FD-[3I*]^[7IOZ<#&M:XF/SAW%"4
M0)`F^%=[>A5IR,X`B?DBI34<1\I,G$&&H+3-E;0Q%1/)/O;9UKX*G7-J4G:O
M3>@QXF85ZX5"I%Y9ZL>+O8Z^5GA@U?FRP_/ZX/\`F@]=B,#P<)]B-;FXSB18
MZ*S&97M'Q$1F&FO=\-IM*0QXF;?EWF?F)[]_0P#^-^"4'Y=YGYB>_?T,`_C?
M@4'Y=YGYB>_?T,`_C?@4'Y=YGYB>_?T,`_C?@4-8`IW-*U.LY,)XE=9@D;G?
M(W3[1.USNNORS-_A,0XT"TRGY5O?=T3',P&M1MHVE$?:=[;2G:E;4+CQ*$%W
ME0Y5H5%\0.GIW=`$2JVK3W,JM+2<K$&!L9&KLY$NV/H6#;@JVC<36M,+]=J4
MG:M[W@8\3:B>ZRD)2A'!^^H0A.DH0FE@$I2E.O1*4IU;]:2E.M>FM:_!@E#U
M^7>9^8GOW]#`/XWX%!^7>9^8GOW]#`/XWX%#%;OT$#TBI6"B7CQO[I8ZC:1K
MXBP`YM-#IBDQTG6OC1GE1KHQ(0E7MUO2D+2M.]:WK>MX%*8U+>+=:C`D#94#
MQ:Z[`D!XE<'BG8/-JK#V.'U"*:@U6!#U&M328\&NP['/:A,IUIN,B6[IM*=+
M5ZA[2P%6"A`SX6TB/%+K8T_6ZSJF5TG$YS667P%6TY\780(E%MTT*@N*]-+2
MPEO;B$Z2K>TIUK08\38/Y=YGYB>_?T,`_C?@4'Y=YGYB>_?T,`_C?@4'Y=YG
MYB>_?T,`_C?@4(\EV)@RPS%+>/7<R4:.0%EF&)M$KDEIDF$)13`>>VAVVJ2B
M6+*P69+#FOUS3S25IWI2=;P*&*$+32"H-JLDO%7K<VO,E+`;0#D<WJS@KZWM
M;=A;LI)R#NU_+/33NK825*<6E2GG)KRU;VM>U8&/$R*O=7@5,$(K-9\=.X`Z
M^!'Q108.,HE=BP!HZ$TEB+$B1VK<E#3++2-:UK7_`#[]=X%.LF?R[S/S$]^_
MH8!_&_`H?F^\3=:WO\A'?]^FM[]-4P#O>_37X-?_`$PU].\"G8;YC/;D1V)&
MV7H^WV6GMQY*--R&-NH2OX+Z$J6E#S7N]J]:5O6E:W].\$*V`,`8`P#B.3^V
M9/[H?_95YN61F>91RD&`,`X1^\[\?B/E']W_`.6/$:[3)70KS;^-VY?,:=#-
M/`7C?4Q0Q\ASQCYS1@$/?TS9V8[J8Y!_ZM==0C<A"TIUZ<R58M'471G)ODGX
M*AO(3R)ZI=;WX\D(O.*M]W?<./*N_(`?)QW??(7LWD>+B4/HXZNV$_)A;-%.
M+<.Y]&"!]6B0V)U.M#J&=K;95M/+C5U:Z`G1==3K[[NND];YWXN`ZAV.AC>:
MEQ71.O;HE09IG)>>V>%QF5T$U*Y+,ZG3N#QXO'@O7BU0=9DV%(!M,1R8Y[W/
M_$J?SJ-4L2//`FO*:BR[':>2VDGQ(AY%<^K%8[W6[#R\7`IQR6W;NCU&M":+
M;]UZ]F0=?EQ(\,09`OD/C;DA6[#N2E.F-R7&TE7HJ$<,U_PY\@J=)K!_:;W8
M[\%CKC&",_I#]IIA`K(I'W>U7+D6P-A+O#B(Z8OE=Q0VZY%T_M`1MU.D.)A*
M5RHM=O\`06IN*A5OS'?ZAX^O'37?J[6Q26I/=7K=.&W<'9>O1K/'>Z:W'0(Z
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M^=G(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ_\`P^$_C<;^_6<YEX7V%CXE
MVG9>8C2,`8`P#RM:&D+<<5I*&TJ6M6_P)0C6U*5O_DUK6`<Y@/+;QZ.4N1?9
M'2PE1K\1F7*D_E#^8YZ6:@0Z_7;<X32#N#(<M(%+J5P$DTR667&-PB4=S:M>
M_P!-"Z7D;(,=AY'7F&))_J?.0<:5"42C2#%WK(QB0.1N/I<]AV:38;=A)W*:
M]74[VC7Q$?3^NUZA1EX<ZAS2LN(9LG1*+7GG:^[;&VCEM`"7'*LR\S'>LJ$3
MR$=2Z^T_(;0J9K7RR5K3K:_7>M;$/!CJG,*]$'3S_1Z$#@F`4BT"9ABX5X9$
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MY#A)^UX8`;J9*++>)Z9E!K/%LD9L?+3OX,V1M;3.UJ1O6!1EA#\E^)22X\%(
MZ!7`Q6<"-V-V$?,B0D@.+"VVOT=#I]DA/8=#.'K'9HK`I+Z4;([VOX'N]F]8
M%&96QV'G1(V'KU<M`FY%RQMT$]#I9$?:7*^\P/M$YXA:]!Y<K=;#-O4^="W*
ME?#:V10F+K>WUZ1@497WV#DNI4:#OJ/.M39I`\(AP]W:M:E2RM6VG5G&1H^R
M?Q7R%<VO7S[*=;<A^NOBZ1ZX%&1VNY<C3<Y//970:H/N+$$P59!$3@R#-)"*
MY$'S+&7$HD2D?6`VOI(I;FNM^NHSK3R7/;\%S:0H\S:B5)6E*T*2M"TZ4E2=
MZ4E25:]4J2K7KK:=ZWZZWK!#U@#`&`,`T<3\B>8B73:9,RRK8K'4QG'+3/8H
M]Q<&UJ[&!]7(#$F9VPB(\:NS4W46TV7TI8Q;\O2$O[VAW:!:,Q:U>7W!Z79;
M14['9RT`M3R@X.95JGVR4.^>EH&2"*8)2*&>@$6:L.,QIA=UEQ38Z(Y\1W>D
MH7[0HV;ZJMF%7*NB;2#7)="G8B2`F3*B/PES1SRE;AD&H\E#;WR9&/I+\=>T
MZTZPXA>OH5K!#(,`8!CUJL<6HUXI9)T$T2AB6$R9$*O")ITPZUMYMI:H8H>V
M],E[9TY[W/8G?L:2I>_UJ=[P#11SRYX96XU$F&;$9AQ.B4&+TROR%4VW.-L5
M$B$('Q$P]\(,M5?F&8(F4F+$EZ:E.OQUM?#TYZ)V+I9LSE_6J5V(')L=#FS2
M(>)+CCI,J8*(B5,DW1(XO*%N1R<>-)01$-%&V)S.T:5$F)<CN>CK3B$@U0V5
M@@P!@#`&`,`8`P!@#`&`,`8!Q')_;,G]T/\`[*O-RR,SS*.4@P!@#`&`,`8`
MP!@#`&`6NH$#4[934"#HIN+N#LIJ'&^L]P=NZ>W!V0^%\Y\EMY.E_!]_P_?K
MW>GK].`76`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`)>O_P`/A/XW&_OUG.9>
M%]A8^)=IV7F(TC`&`,`MY>VM19.Y#R8[&H[VWI"UI:0PUIM6W'E.+WI#:6D>
MJMJW]&M:]=X!\J8'A=XF!6@T>N]NK8R`#J$NMAQ^[%0WQ@@E)JL<-]L1(R/*
MA"FK%+L2YYJ8N0Q*:E2BLIM*&FU(]@[U2,_K_CSX^C+)+LQSR$K]ID[F`/JB
M)/*\LB0@H6M7ZF]#%!&$Q(R7I:=&*8TAZ0\M;SK;ROITI#6T!5E^6X'XYF3'
M.)LOO`!8GG8;C<%H$[8N;R63I7AB#$2DER,^2V[-CL."[*19G08ZFXDAQYMU
M*6U-*TZ)5EV9XYQ>1`J<*N>2%=KJJM2N>U!MYXARVPZG.\CNCG0.:F7&BK>_
ME'`]DF2?GHK*D12<5Y#:T-N,,/-L!5F+@/%KQ1KD.LP(79:^_&K!&KD&/G[/
MS64^2^RIN^G(<<J_\JWN4S)DW^0EW6M)UI,=GV:3Z;]0JZD3(\3/&)[2(;??
MP\<'(B41@T%0=Y8MHH_S&G,5&DR&9;D-4D2U&;<ER2#$?:6BBY.FWM::;TA0
MNI\#9)_CGCZ>F\R>WW.KCH7.#)LLN/!L-!1+MT4OTJ!U%-4LLUQY;4NE1K*-
M8?\`J_X'TR(L9]#K;C2MNB59J#7AUXT2)IQ\QY++-1B-%(\_$1YMUY_IZM!"
M-1/U-"1$UOT=B;$,V-]<!#&F&XZ/\6K3GO=6Y"ZGP)Q?BOXV-"1<01WRLU\H
M-7;G-$!A;G,F"\OH-+K=`NWO$'G36I'UI7@LE4=4E^2[$FSUO^]SX:$;"KX&
M/F_#7QB,2!Z'/(@<X""3B)<+7)UGH,F'HK88E2!VK9XI!D"K%8@YJJ4Z-!U!
M=F-LLJ==>_7JVVAL-3X'1?':-PSBUIF'JQW"K?5<JC!*6Y5T6BDCA,]T(1E3
MHUJ/)'RV4F;1&C2?D8TK:&5LP-J97MY.F?@TC;>9RO-\,N"#(`T12/(BG#1D
MNR1'KBHN=HI0P6K003:1E-7%-DU&)L>T5!%F4CXK.XD0K&9:9D-(0UK2Q=3X
M$_:/%[CI$:AF)Y$U4Z8L%P'%[T6-6KGH/<L<3Z!SBV7V6':!#'=P9)JO4HB%
M1`;^#'?A'Y#3KR4H2O`3?#`^C6NL\JU]&NF<^UK7T:UJYUSZ/_\`I8.:,?E:
MY5^<SGW],ZY_*6!1C\K7*OSF<^_IG7/Y2P*,?E:Y5^<SGW],ZY_*6!1C\K7*
MOSF<^_IG7/Y2P*,YNM]3Y59+4W8X'D35PT.9VFM]IL]7>-4(R`M)2I4*FT>N
M!"#4J8S,:'`GZ5%-0U)=VIHTEJ0K2]1V$(%QX&M'O'GQV)6OKMRLG<Z/:#?8
MZY`"6:4:7R:0\Y.BHJZ6C\N1IA,@R1JZJOI53U*4XBH_6$W4#T3(WI(5>1N_
M@8GB/`*80HX#M=</B9=J-V2%L]=ZFMP1&*:B,10D%,68RWJ)"B0&U.NJUMV9
M-<?E.[^(^O6@=6;M_*URK\YG/OZ9US^4L$HQ^5KE7YS.??TSKG\I8%&87T>S
M<EZ-0K?09/8ZB"A7.O%*P1*AKI5$%8HLU%<'E/J]V5,?9CRWQS[K:'?9M3*E
M^]/HI.MX"JG4T'=.2^/U\ZWS[JA_M5(D)YO'E"*[5?G^8K%CZL_`EP':F'GO
MMO%00*P1R+\>Q,QG$IL0YN+#EZVS$:U@J;2H7G".8<`X%:[?::SVZL2M7(0(
M@D*]]IZ*(K4,C#DRIQ$D,$!WHK$./*FRE*APD_\`AA3;KS4?6D/*UH&VSJ3\
MK7*OSF<^_IG7/Y2P2C'Y6N5?G,Y]_3.N?RE@48_*URK\YG/OZ9US^4L"C'Y6
MN5?G,Y]_3.N?RE@49A88OX_`+*8MPJ^4B.?/?-?6DMWIS,UA_P"<E-3)'PAD
MZRR1</WR&4[U\!AOVZU[4^B=[UL,3-/RM<J_.9S[^F=<_E+`HQ^5KE7YS.??
MTSKG\I8%&-]:Y5K6][Z;S[6M?3O>[G7-:UK7X=[W]98%&9\TZV\VV\RXAUEU
M"'6G6EI<;<;<3I2'&UIWM*T+3O6];UO>MZW@A[P!@#`&`<1R?VS)_=#_`.RK
MS<LC,\RCE(,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`)>O\`\/A/XW&_OUG.9>%]A8^)=IV7F(TC`&`,`INM-/M.,/MMO,O-K:>9
M=0EQIUIQ.T.-N-KUM"VUHWO6];UO6];]-X!KYCE_)9#278O.^=/L;VI*'6*E
M6G6M[:6II:4K;'J1O;;B-IWK6_HWK>OPZP6K/U',.3..O,-\\YVM^/\`#^89
M14JTIUCXR=K:^,VD?M;7Q4:]4^[6O=KZ=8%6?KG+^3L[:2]SOGC2GW=,,:<J
M-:1MY[:%N:9:TH?K;CNVVU*]NO7?HG>_P:W@594_)1RW\VM`_H=7?Y.P*L?D
MHY;^;6@?T.KO\G8%6/R4<M_-K0/Z'5W^3L"K'Y*.6_FUH']#J[_)V!5C\E'+
M?S:T#^AU=_D[`JRD[S#DS&V=/\\YVSN0ZF.QIVI5IO;[ZDK6EEG2Q^MN.J0V
MK>DZ]=[TG>_3Z-X%65?R4<M_-K0/Z'5W^3L"K*37,.3/[>2QSSG;RH[VX\C3
M52K3FV'TH0XIA[2!^]M/);<2K:5>BM:5K?IZ;U@595_)1RW\VM`_H=7?Y.P*
ML?DHY;^;6@?T.KO\G8%6/R4<M_-K0/Z'5W^3L"K'Y*.6_FUH']#J[_)V!5C\
ME'+?S:T#^AU=_D[`JQ^2CEOYM:!_0ZN_R=@58_)1RW\VM`_H=7?Y.P*LM&.;
M\?E.3&8M"YK)='R4PI[3%6J[SD&8MB/*1$F(;@J5&DJC2VG--KTE>VW4*]/1
M6M["K/U/-N0*CIF)H/-E1%+TVF4FK5?<=3FW_EM(2_J#\+:]R?\`%ZUZ^OO_
M`%OX?HP,2LWR[D[JG4M<ZYXXJ.Y\%]+=1K:U,O;;;>^$[I(_>VW/@O(7[=^F
M_:K6_P`&]8%65/R4<M_-K0/Z'5W^3L"K'Y*.6_FUH']#J[_)V!5E"5S+D<&+
M)FS>?<YAPH;#TJ7+E52LQXL6+';4](DR9#T!#3###2-J6M6])2G6][WK6L"K
M/Q?,^1MMH=<Y_P`X0TYN.EMQ=4K*6U[EN::BZ0M4#25;DNJTEOTW^O5OTUZ[
MP*L]O<PY-&;6](YYSN.TVVMUQUZI5IIMMIOT][BUN#TI0VCW:]=[WZ:]<"K/
M;?+.5.MH=:YQSYQIQ"7&W&ZA7%MN-KUI2%H6D=M*T+3OUUO7T;U@59Z_)1RW
M\VM`_H=7?Y.P*L?DHY;^;6@?T.KO\G8%6?F^4\L3KU5S;G^M>NM>NZ?7=:]5
M;TE.OI'?A4K>M:_X]X%66>N=\;4EQ2:+S/:6G)#3JM5BK;2T[$;^+*;<WJ#Z
M(<C-?KG-;]-H3]._36!5EYKE/+%:TI/-N?J2K6MZWJG5W>MZWKUUO6]#O3>M
MZP*L_?R4<M_-K0/Z'5W^3L"K&^3\LWK>M\UH&];^C>MTVN[UO6_U-_\`Q=@5
M9GC;;;+;;++:&FFD);::;2E#;;:$Z2AMM"=:2A"$ZUK6M:UK6M8(>\`8`P!@
M'$<G]LR?W0_^RKS<LC,\RCE(,`8!PM]YG>.Q<M\"/*?J_!NG,\AZ;RGDEHZ6
M'NRZ@$NTF/$I4!XZ3#C!=D<^HAY.P1HGRC9&3'G(@(<6ZF,ZYI&T<S;46UF6
M-*XG`'G+Y%>3O&>O>1=J\=>Y=&LL;@7W=5I\FNL<@L0?EUAY10N@=+D`.7^.
M#-;B,\^'W2(2BIK=VZ&5;+'I\-R.&:TMI$)Y3>N9-ING`Z273Q/H']W9V:?W
M#QJ:L1BRW.ZGZ=UGLG)+'=KE>^==4U<CW,KQ/KI&QTKJ/)Z%S"@="YN0<;U]
M3$H(.#_B4*CNZ<=86XKJ#JJG,E1D]Y7]&L%,+<IK[-X,<TIMK'=D,'K173]$
MI5BL]MY[3Q)^@\=!]"Z:,+TBBS[XW++DOF93.GYC==5$8<1IU[W).G8$J]IR
MU5O.F[1YA+84?6K6*-V2CV:MA.KW9FK=$LU>[+(YW4*?2.?/BXVJDU+YO/+K
M.VV4ZT_!AP9VUMICL[T_J:F6A*P/O$#/U?`38(_+`)NR4L?&I;*(AXM&.=L@
M]3B\QZ91BK47H#<*G!N:'",6"B84*11%D4^DF.-[@I=:;:AI)'FOGST2_:Y2
M6<YA18E>[I?J#R3F[0RQV$H6B]$L7,.#]JL2+5/1%^I5`(G,.A6\B/7"]RW$
M4W6W'-ZF>UDI/XQI1Y[YY/\`3S=LN?%*/)I%0TOKP;FS!4?9[=&ZU7`U2ZWX
MQ!K98[3&KL\3)K-8ZT$[8["`S8+T:2PPVVXE]YR:GY*:FWI%,*EUY#>0'4O'
MWN71G*H2M/36"\;BH2C<RN1RJ"^7U0Y?:MY,W,Y(>GM#*H:C2+`C@P\,'7//
M*C09A-V0M,G6OEUUMI_#K"5447?,WR)*F`\"M\ZX0+9/6`N,89MEBZ%.)!H2
M_(;H_CV`T477F6QQ$O!(<VE%2:8JT17D/-PXKFMZ5,TJQ1'0GBSY-D_(*9<8
M=A!5JH%!=4Y+T*NU<$3?LTQ?/NJ5198/8S=JC3GPCDV=8!Y*#L3N*-*B5#U)
MEL.(>CR7:G4C5#L#.B#`&`,`8`P!@#`&`,`8`P!@#`&`,`EZ_P#P^$_C<;^_
M6<YEX7V%CXEVG9>8C2,`8`P"C(;4['?:1O6EN,NMHWO:DZTI:%)3O>T>B]:U
MO?X=?3_Q8!\:>6>*WFCS'G@^J4@]#HQ)Z)\4>\/O->&!ZS9H=$H=5LQFZ5JI
M4F!5KG&N4>JRHH#<>"J4*?>;+$E22C\R0H>C<6\3>G*^%>5`2S]>/6.WR1@K
MHO,B83GL9=]6<N7-K:/G6!=.G7RPJ%2-]+(1:[.%CTS5RG=CE#']^D[Y]R2T
M(VJ(Q"7QGSI/G%&[!80Z)@ZN0K+!8A]`FR0C/37JY(G/-5=HA%DH!:"F[0:`
MM/M#Q\=T2B"\]J4YI>V`K$R@+2_,\+"\CKQ>+;97'B_%.L/\EHU9/#[`BM64
MG\\7HH1F1'3MYZ_U%]AUMB9#$+CRF2#3*Y$KY2,RR'=P[2&J'$?-.5?!DZT=
M/N@3FVYU7DP:DCI*3!D/3(W5H)X[3;E<VI6B9^WHJD=:4%8<5YV7#?4/<(H0
MC6W0;B9MT?F?ET3OEMG4^QGH\.;=7R%5.1NL;#546+>;JGV(DR^?J%26W`=#
M@#CT0^(]BOM++*Q9FW7=LI3!$3C3$P=KQJ\OV@T84CN70O60'5,*37NS&I!5
M-K'<SGQ`J81)X&MV,&<Z<4<ES&&](8E,-,)=0MAEN.D6JX%\YP?S)GGW@\SJ
MEKB5-J=*96=@==)QIY*BPY0%%(K<5M@4DL-NH9P40DFSGQ-23,8FVP[(D*3[
M8H5C[3(NN\+\E.CVFF[9M9>,($\[J1$N6B7]ZK_478:O7K?&:(T.-76VUK^T
M9RP(V;D38;*_DXS#41_;#TN)H1-&`R>-^?)QOHY`AT-^NS)#4J95PU?Z06>&
M3"KY^GQ3S8?XDV%-'PSO/1Q1H8AR:(C"CDW;[#$+VMR="UB?0ODM)E4BGCXI
M<A/,6PO"KQ2\&B;0IB>;N$2G5JLF#$UH*GZN3.)[KJ'I&VEO(5(6M27%)VGT
M'+9LW!!@#`&`,`8`P#YG4;Q:Z`,MG49#U.K86J:\[*[Y'\V=+'1Q2YRQT@;$
M_*;9R1T+%]TR,7GSR#(""3VZ3'CGEPW7-1VHFDCMM?(8O8/%;JM@X'T?GS%)
M'B"]J[%<.HT,.^0Y7+#5I=EJS-`&#;O6!U6&<V>'U]HI/+QG`T!4B*]"'D5I
MG'4RG)`:L3<7A;X\]*X58.W2[^H=*;NA<.\.,1R0^?+/2QUEZ05F%]*@C(!-
MT;.'6N"[\>P/$;'LDN;'<EK%Q1#+`DFF=[X.1@'.?ESS*;V3QK[%S06!G68Q
M:J?*B@@0XP$!22!^')BE`+:I]G:D5E4-LQ!8<D1B3;H^='0N-)0MEU:=BQ='
M4YCZ)XY=.-5/H")',>8VVR]BY;XOT'H#826+%CP)ZBL]'&=1NO/AMK@N#(!2
MK`;)%9J&U.1]QI'PGU>GRRD/PM4;3[7P:;U*>1L9"C/2M2>,6SFT\0(M->3;
M#"QO6J!<J!&C$[:+*U!R'(C5:5.?018>C^Z3N-)0\E2MZH3H=)<D%7$%R[GH
M3H3P21>!%.KPVU/5R)$@@E'(0N-&GZ%1(`\0/8A(?;VE&H\2)']-?XIAEOVM
M($>>!L/!!@&H^R\^7T0#4H4>"/FSZOUSCW082R+SC#<%%&Z16K"8G15-I7I9
M!NMPYJ&$*3M*W7-)]4[WI:14Z'SFLWA'THW52L2N0V:U+JW2KW-Y&),F*%(6
MU3KG6H4B\N=`*5FECW3[5[L5?V,AZ^.HP@264DM+E1TJB,CK4CZ=\Q1>6^>T
MQ'3-C=W]%=&)MOU1IC4#Z[U&1J9IK41#<+XFE_0[\NE,;XON^#K37LU@X>>&
M1G6`,`8`P!@#`&`<1R?VS)_=#_[*O-RR,SS*.4@P!@%"5$B3XTB%/B1)\&6R
MN/+@SXS$V%+CNZ]KL>7#E-NQI4=U._12'$J0K7T;UO6`4DCAJ'ITA`T<B039
M9C%)"8$-,@I&C,.18T8F]IG3I&-%BO+::;>VM#;:U)3K25;UL#\&C!@4?$$A
M1@T*)'LZC#Q(8?#%"A\=*E+U'@C1[,>%#8TM>]^QM"4^N][]/7>\`IE@X<^/
MD"+`'$'Q$O;6Y0@Z+@&14K;#B7F-R1I./*A2-L/(TM&UHWM"]:5KTWKUP"B]
M7J])=B/R:]7Y#X_<[8]^0#%/OC]DX:1I/<!YV(MR%LF-;3&D_"VCX\=.FG/<
MWK2<`CD4:BMQWH;=%I+<22)C`)$1%0KB(L@!"D_.0@+\9(S3+P.'-_QS,-2=
MQFGOUZ4:7].3`%@3YW4RUAH]EDCULS.=$C9NK#QS^QE?CGCM8E4Q\]/!P4,0
M2I@;52$N#`>>TK<)B8]IO6MJ3M`&2[#!=SI9784-LK/9@1IY38H?LG/C"GMR
M!4:<1W&^<F1Q4C?Q(J'5J3'<_7-Z2KZ<H/),&"-1I4,V#"&H<[41,Z&9$#BT
M2<D>_N4/3-BD(TEB7H?*5MUC3B5?!<WM2/:K>]X!7T,%IWI218S2DJ]R5:'P
M]*2KYEV;[DJTQ[DJ^=?<?]=?3\9Q3G_74K>P*(X($#KFN!P@4.X2>9D$G!`@
M<+<)2(["(L=\BN!&CJG/QXK:6FUN[6I#2=(3O2=:U@$G@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`EZ__#X3^-QO[]9SF7A?86/B7:=EYB-(P!@#`*$IC<F-(C:?
M?B[D,/,:DQ5(1)C[=;4WI^.MQ#J$/L[5[D;4E6M*UKUUO\&`:(UPHGK6M?E\
M[]OTUK7KNU5+UWZ:]/7?_P!!=?3O!:G[^0LE^?OOO]*:G^(N!4?D+)?G[[[_
M`$IJ?XBX%1^0LE^?OOO]*:G^(N!4?D+)?G[[[_2FI_B+@5'Y"R7Y^^^_TIJ?
MXBX%1^0LE^?OOO\`2FI_B+@5'Y"R7Y^^^_TIJ?XBX%1^0LE^?OOO]*:G^(N!
M4?D+)?G[[[_2FI_B+@5'Y"R7Y^^^_P!*:G^(N!4?D+)?G[[[_2FI_B+@5'Y"
MR7Y^^^_TIJ?XBX%1^0LE^?OOO]*:G^(N!4?D+)?G[[[_`$IJ?XBX%1^0LE^?
MOOO]*:G^(N!4?D+)?G[[[_2FI_B+@5'Y"R7Y^^^_TIJ?XBX%1^0LE^?OOO\`
M2FI_B+@5'Y"R7Y^^^_TIJ?XBX%1^0LE^?OOO]*:G^(N!4?D+)?G[[[_2FI_B
M+@5'Y"R7Y^^^_P!*:G^(N!4?D+)?G[[[_2FI_B+@5'Y"R7Y^^^_TIJ?XBX%1
M^0LE^?OOO]*:G^(N!4?D+)?G[[[_`$IJ?XBX%1^0LE^?OOO]*:G^(N!4?D+)
M?G[[[_2FI_B+@5'Y"R7Y^^^_TIJ?XBX%1^0LE^?OOO\`2FI_B+@5'Y"R7Y^^
M^_TIJ?XBX%1^0LE^?OOO]*:G^(N!4_-\*)[UO7Y?._:]=;UZZM52]=>NO3UU
M_P#07?TZP*F^(S.X\=B/MYZ3MAEIG<B2I*Y#^VD)1MY]:$-H4\[M/N5O24ZV
MK>_36OP8(5L`8`P!@'$<G]LR?W0_^RKS<LC,\RCE(,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`)>O_P^$_C<;^_6<YEX7V%CXEVG
M9>8C2,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`XCD_MF3^Z'_V5>;ED9GF4<I!@#`.5?-WR(MG
MB9XJ]H\CJ9R=7:BW(*C-NDNBJN8N@PW*\'3N98SQ2R$XI!;(VO"&79"X\*),
M(3%Z0RPSM2]K1S)Z54J570Y;\H_/GL7C-T^UUW?"N9]*H8;P_P"X>7T&37>P
MV`-TH74.-!*7"CL]$`GN<LTNLCK[U&X_4@MZ$9)2WXT"4^B,M]OY;<E)I^PJ
M5>VITUX1>3<CR\\?!';95;!5AR?>>HTA+%6/&3]9.L\UOANDM7"ON6FMTV[A
MA%K2'^<9&6`.*.0$N?#E1D;]JEV+U*I&J.AFO9>PF>87'A]>8#UJ-6>IW674
MK%T>\%#XBGU">GZF16:DJ>!`&V(=XZ?))2(M<67='!GY\#<-R3\W+ALNUNC"
M-&\\\^N:&^1T;HG10%RH)8Z]RX1:A,VOQQ\("4ZL!A&JS8AJ35A9*&N?ETRE
M_*/Q42RZFV'5K@)2VM6HI*E13'`QKI'WD_%:Q43,NK0[9/OJZ"9O5+JMIJT@
M1JQ,0&;L0!QGH$4LNS(W>0O-#TP+\*+O4EB$W\9<9<R$B3')=&82^(SR\>='
M,05;NTJO@>@.6FK`KJR^.M5+EC`E0Z<`;ZM"K7+>I%AY*6BNV>W6+CAF)&1"
M5-C*TRTK<EOYR%M^ZE[2J+]ABMG^\3X[2+*9U;8%L%<\'5;<D-<7*WN-]OK<
M)N73:W=&>>K)&H(\]4:=`Y(=D2I3RHDMQ8]6HS4G4F#J3-:)1F\9'DU4YO//
MRGU8-8"%29[2!Y`X4/C)-;CEFY'2(/.K1<:FAW4J:=KP6<[*W$>6U&21=AJ2
MCT;4EW=;PJ*&C7_/JJ$;3RQ-;I'2F*/::_;3UJ78N;2V;TJ6\-X*]QBJ5:OH
MMT+Y<MUQ[R*KTB$_)1+;0B0U%DMPG527H35\0HZ&5%//[A@J"2([KW;2;`17
MRI]L-RDC/E`34.H]#O=HK).-]9,NZL="JG*+!*-QV-/HB[@:::<??DQ&WVI"
MC+^R>=''ZU7QYB4`Z7LD8;ZK"%5*57@8FT.W#D8>SFC=#G"2%I;F1#Y>-5'_
M`).0RW+&(T]'5*E1OC-I4U(490`><7,)B4_:,/=@<A<VN.&(D:I3YZ>6@[G`
MYPS4I'7R3<M0T+*-W#HL8.R\,62B+D)4O:FV&)+S34A0WEQ7N%.[S5Y-KIHZ
MYAHD1T"E\5?:R]4["B':Z96>AU0ML2]*F[T,LE*N`Z?&5MS3R4/[:?;9?;<:
M14T\B/#`W#E`P!@#`&`,`8`P!@#`&`,`8!+U_P#A\)_&XW]^LYS+POL+'Q+M
M.R\Q&D8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8!Q')_;,G]T/_`+*O-RR,SS*.4@P!@&N^N\JI
M'=.5]%XMTP9)-<[ZM3CM"O`B&3G!99.KV6"X.,0HQ<8]'(C'I$1U24OL.(=;
MWOU3O6\C2:H\AEB:EZ%X<>//5IG;Y_0J5,L\GR'XU1/'_IJYEHL;/S')^:$K
M`>IM9JNX9&,NDK&6:S2BRY8Q4>5)*Z9DNK6XPU[8XIYEJT9YPWA'//'>F$:/
MSAFR+@GKM<>EVVP76V'+W>+QT;H)51JZ7BYW"QRIA<_8[`0]NW75J2A#;;;;
M:$(0E.JDDJ+(-MNK)CI?**KUN$&$7.5:G:\*,CC4ZKA;25`5NX."#`>P"QE\
M%C7&D6D%!.`8DI$1Y26]N-[2KW-..MK-)YA.AI(SX/>.YS=>5(`VV$Y6@%9J
M<)T/?[0+>FU.ICP8T76##T>;\0B&?8K`]4Q/JAZ8N(GXCFT+>0[-*%634CP_
MX:\VY&;$6:`-F<\@<M.!QMP,Q1=HIX>0?D@&+(S\1Q\@4KKMGG?)S4.LOH0_
MI#FW4M,Z;M$*LIV#PYX-9S=A.E@=G4NWDK0<MP:'>;-`K-IL5I(=()KLIT!&
MG(A3#]<F];L"@LC7M^K?GD^Q*MQ8>V)I3=15D3+\(^#RC,BPM-=%'&4%=F*U
M,&=+L[".=27SMXLI-CFT!]^4+J8X\9Z78')\=##K<E!9UO>M-MQDL-*%6;DE
M<8YY,IFZ!)$S'*LJ[R^B*A?7!%,C=MFWR;TR20W/T_\`-[9<N)!V3\#W?"TV
MKX6M?#UI.6BI0E37LSQ'X;,B,QOJ$_"=A@@P`43&7"PP#()JMBN,":T6!DF9
MGQAUBKK?C[4I$.:GU<;F#-N[]VY#^G%$6K*<'Q"X0/#3`;=<.R(I-XO-,2I]
MPL4TL:+6'G=[Y?8SI<H_-5*FG+#5NF'%39&]Z4\0G;E^B74-[3-*%2-*>%OC
M^8N$J[S`5I26)3R1,Y"B7NS0P%CG$DW9'QSP9B:EB?H:CHYS41O2FV6=D%*V
MA:VHRF6E"K*;/A7P=IP<ZN%>Y3D9039S<SHMF=1?VJQ]BWZO%Z0PW*9CW"%6
MBW/A1*$T\A"6B++CN_<F1(;<:4*LWAS[F%,Y?`E#:6.DCHDV)3H,E$DE-)+7
M&H5"K/,ZNC3LYUU:50J=3Q\=:M;]7W&E/+]7'%JW4J$S,_R@8`P!@#`&`,`8
M`P!@#`&`,`EZ_P#P^$_C<;^_6<YEX7V%CXEVG9>8C2,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`XCD_MF3^Z'_`-E7FY9&9YE'*08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`2]?\`X?"?QN-_?K.<R\+["Q\2[3LO,1I&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`<1R?VS)_=#_P"RKS<LC,\RCE(,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`)>O_`,/A/XW&_OUG.9>%]A8^)=IV7F(T
MC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`.(Y/[9D_NA_\`95YN61F>91RD&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$O7_P"'PG\;C?WZSG,O"^PL
M?$NT[+S$:1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@'\ZQG[Y;P/&%RHZ7<NCHE0"9"%)2CE5@
M6A,B++>8>2E>G=:6G3C>_3?ZNL\5SC8Y5G58>"71[#_.EW_J>](;5V5F>[WB
MN1DT_P#VTLTZ/^L1"OOJ_`-/_6NO2_[G)K%O_P#K9U][[)],_H2^8J_ZG?2*
M66[WG[M+](HJ^^S^[^3Z^MVZ;]'_`/:2Q_Y;+][;/C/Z,OF/1?\`4OZ2RRW6
M[_=Y?I%%7WW/W?:?PW?IWZ(['_ELOWIL^,_HR^8]%_U)^E#RW6[_`'>7Z125
M]]_]WNG?IN\=._1%9/\`+8^]-IQG]&7S':_ZCO2IY;K=_N[_`$BGO[\3[O37
MX;QT_P#1#9/\ME^\]IQG]&7S'HO^HOTL>6ZW7[N_TBG_`+\G[O'7X;SU#]$%
MD_RV7[RVO&7T9?,=?]P_I<\MSNOJ'^D>-_?F_=W:^C=YZE^AZR_Y;'WCM:5K
M+Z,OF.U_U">F#_\`D[GZA_I'C_?H?=V_SYZE^AZR_P"6Q]X[;C+Z+^8Z_P"X
M+TQ_Q.Y^H?Z1^;^_2^[LU^&]=2_0[9?\MG<=]MY9:OHOYA_W`^F3_P#D[GZA
M_I'G_?J_=U?SZZG^AVS?Y;/:-Z$LJ_$_F.OY_P#IG_B=S]0_TCQ_OV/NZ-?A
MO74_T.6;_+9[Q3EDG\3^8Z_G[Z:?XG<_4O\`2/&_OW/NYM?_`&[ZI^ARS?Y;
M/>.UO2R7X?F.EZ]>FS_^3N?J7^D>-_?P?=R:_#>^J?H;LW^6SVCRW=S\,5\/
M8=KUW].'EN=Q]2_TBEO[^7[N#7X;YU;]#-G_`,MGO'DO,)91C\?Y#M>N?IT\
MMQN/J7^D>-_?T_=O)_#?>K_H8M'^6SUC[O\`-)91C]+\ATO7#T\>6XW'U+_2
M*:OO[ONVT_AOO5_T+VC_`"V>T?=?F\LH0^E^0[7K;Z?/+<7_`*K_`,12W]_I
M]VQK\-^ZQ^A>T?Y;/>/N?SR64(?2_(=KUI]P'EN+_P!5_P"(I*^_Z^[43_UK
M_P!:_N<5M.__`.MGM'W']X9^&W;^FOF/1>LGN'+*_?\`JO\`Q%+_`-X`^[1_
M!]O^M[W_`,G$K7O_`,SN\]E[@>\S_P"':^L7S'M#U<]R+F$;]YO^Z?XI,;__
M`-@#[M'7_P!ONO?H/MW^'GHO3SWH>5NS];$W6O4SW2O>"[?^JD>-_P#^P']V
M?K_[?=?^C_\`L=;_`/#ST7IM[UO*W8^MB?0M^_'N]=5;<[M.NW)'G_W@;[LW
M^?\`U_\`0;</\/._Y9^]O[*Q]=$T_P`6\E_/N?08_P#>!ONS?Y_]?_0;</\`
M#Q_+/WM_96/KHC^+.2_G7/H,?^\#?=F_S_Z_^@VX?X>/Y9^]O[*Q]=$?Q9R7
M\ZY]!C_W@;[LW^?_`%_]!MP_P\?RS][?V5CZZ(_BSDOYUSZ#'_O`WW9O\_\`
MK_Z#;A_AX_EG[V_LK'UT1_%G)?SKGT&/_>!ONS?Y_P#7_P!!MP_P\?RS][?V
M5CZZ(_BSDOYUSZ#'_O`WW9O\_P#K_P"@VX?X>/Y9^]O[*Q]=$?Q9R7\ZY]!C
M_P!X&^[-_G_U_P#0;</\/'\L_>W]E8^NB/XLY+^=<^@Q_P"\#?=F_P`_^O\`
MZ#;A_AX_EG[V_LK'UT1_%G)?SKGT&;#Y']^C]W9TGK',.<U2\=5DVF_]#I=*
MK4>;QFUCX4@_:;&-"!V9D]]7P8,5TA.;2X\O]:VC>U;^C6>&[].O>G:;6[NK
MUNRK-JW*<J78MZ8IMT72Z+(];'O1RB]>A9MRN>9.2BNX\VZ(_I(S^<GZH8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8!_ED7_P#^O-T_^]UE_P#GJ=GY..;[7^$_X;<S_P`TW/\`
M?S_WF:_>_4_YO^G/5"V-@SDAI+\<(9D,.ZTMIY@5/>9=1O\``MMUN.IMQ&_U
M-ZWO6\)]N7!GU[&SW4XJ<+<W%K!T+%ZO6'7NWNOG=:UKUWO88EK6M:^G>][W
M%]-:UK/2O;\3-L-CO$JNW.G8S%G?^MK^[_Y\]$=V\BR<_!_P_P"3.UF:H9E@
MK_TYUQ-42U7^'?\`P_5Q_5/>.10W^'?_`#Y3U6127_TZ_P#-FFR>D2WW^I_P
M_P"+/JV3U1;J_5_N?]&?5L]![(M%_P#3_P!&?8LY&B):.?@_N?\`ISZNWS-$
M"Q<_5_Y]_P#GSZEG,U0+-W\/_D_Z<^G8R-,,BQ=_#_<WGU+!IMY%@Y^'^[_Z
M<^M9Z#7#(CWOU?\`A^IO/JV37;+)'_7W_<SZ4?"?;Y?X_:7&_P!7_A^IGM#,
M_>\NR90W^#?]S-T#]OL?`OAT&Q.3\QG==M)"H"K#6JT4C4N]7*%+MTY0@!.U
M0:P1N!,1,/K;4-KCDL$'EK9FD%L#VW6DH>=;TXE6F\W<=E95Z<92@YPB]*JU
MKDHII9RHVJI5?!.A^DV]EWY>7%Q4M#>."[JJU7)8)XO`R+IG`;MR"ETBZ7TM
MSZ$WTC9*;2:]7^@U6]6`U50TB8-)7US[#$K$#$TY)Z$X.BR)<YE^?,:?U&9<
M;BR'&_/:\QL;V_<L;=7'Y5%)N$H)2>*AWU%N5'J:2:2:JTVD_2]M;FWMQN77
M%:\DI*3:7];NMI*N"J\76BP9"=%XKTSD@F@F.BUI569Z8#EV2IP)Q$6L\Z&B
M+@I5+-5Z-,?,UA<ELFPZPR19C/.M.>[2/UJ])]-MOMKO)W(;:>MVI*,FDZ5=
M<G2DLG5Q;1S>VUZQ&$KRTZU595IUK-9])?<GXR<ZY$O\D26$`44BN"R[4ZSN
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MZ-^F?</G'[@&64:C6[I=M"T6B`9MEM=AD.QQ0>!IO3CNHT9Z=.F29#[C,,<+
M%CXSLF9+D.-1HD9I;KJT-H4K7CN-Q9VMF6XW$E"S'-OXDN+;>"2Q;=$>EJU<
MO7%:M)NX\E\.A9M]!XO%-/<ZN=JH-I:@L66F'B=:/L#"D`V/9+B)*X<]F(7%
MOR1Q%EJ0VI.G&7%(WO6]>OKK>M-O?M[FQ#<VJ^5<BI*J:='E5/%>T7+<K5R5
MJ=-<6TZ.N*ZT;]\&/_WN>''_`/%1X_?_`)KU3/G\_P#\AWW_`-.]_P"7(U<L
M_P`RV_\`?V_]Y'^MWG^-S^ZC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`/\LB__`/UYNG_WNLO_
M`,]3L_)QS?:_PG_#;F?^:;G^_G_O,U^]^I_S?].>J%L_O*\;_)_^S5]WE]U@
M/B51-G,^1%G\:?'04Y(F?)C*WKH3CVS%H(Z;2J5-^JP`N5\M':]OQ9CC7O4E
MO2_7[-BYY>ULX5U**^-'_4?W6]\OX1],/<VU"SYVXYKN-CL8U=(V_/;UW)4Q
M>F$9:8JE9.-6E4K5?[T%WLA+DU!@\I:"Q/(OM7FYQX62F&?F)%:I'BISLB0E
M'",=EOX<RUW4^]&^&PUO4.%#4ZE2WG$(4Y;>Y\U*D:)SG'Z-57VT-%CU;ESC
M<;'E4=FH1YKO>:;>,G*OEV=AMO,U25,;MV4HJB[D8ZE632;_`(\_N[O%CC/F
M'V"=Q[K/4[?QIQRL).@+R&%5TU6VI6[%6*G#"6.&9DP9<9XV<ML1F+)9>^$A
MS?L=3K2_B(^;MX*ZXVVW'NUJJ=2QKVG^*/2[W/Y![[<ZN\GYUNKNR>G5"ZHQ
ME!-SC;49)RC35*<4G7!X-4=5#\[\%+D=\X2WAKTPU^3U5!OY2N]7ONH&YL2L
M5`29@B6+>,A/+:21U<GS0I@"TI6M39AJ$CU]',]8P;N^4\&FZ]2X_*OC+RGT
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MVY;O9W=K-1NJ-BXW;DVDHR2C6,FWDZ/J(VT>*'D[2C5^KUL\?>P`#?*ZS$NO
M21I"@6-N11:9/8ERH5OL_L@K;$U:4Q`?4@@ZK43?P'-?$]4*UJZ9K!Q::6/5
MVG6[]S_>G8WMQMMWR_>0O;6TKEY.S<_5VVFU<GW>[#!]]TC@\3ISP\\!2_;N
MUC^4>0`GLG#H-SXCT_L',+']BF(4:XQN;UMRRO/1'K:W$CDZQ.B-_#^<'ZD^
MUY:$[]J5;6GWLIN2BZJJ;Z,:/\I^N]RO3V]SKFRY=[PV]YL[=W97K]F;M.*N
M>5;E<JG/2G!J+6J.K%K"E6I3F?W<%G[6[X(TOG\/MH7I_E9JZE>AO]$XR:`<
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M]-Z5K>O3>M_3K/OV,4C^<I-.CS1:.?@_N?\`ISZVWS/>!8N?J_\`/O\`\^?4
MLYFJ!9N_A_\`)_TY].QD:89%B[^'^YO/J6#3;R+!S\/]W_TY]:ST&N&1'O?J
M_P##]3>?5LFNV62/^OO^YGTH^$^WR_Q^TN-_J_\`#]3/:&9^]Y=DRAO\&_[F
M;H'[?8^!?#H/I/\`=[>._1^W&38=ZF/U7QVL$)4_R%[ZH?,'V&1Q*O$1NSG%
M^7V2<\[&21[1=EB*PI8,?+)O$BD2-(>3#V]&?^#[R<RVNPMQFIJ?,XNEFS5-
M>;).EVY%=%J.JYWVHJ,9-+51K]MRG:7MS6+CIVC7ZR?3H5*PB_\`;=(]U-U:
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M46*;270GP9]*/"$!?N7\.YET[AI*+T>QTHG7.'<\Y%63LMVM]%^\`LY8A7S$
MG8YI0P#TOE_C!S_HLZ[6(W!=)Q9]OF0(>GMQJ]%<S\MSZYMMWO[NUY@G:M34
MKL[DDM4-G%)K'%PN7YP5J$'I:MJ4J5N,^QRV%VQMH7]LU*<:0C%/"5]X=DHV
MXR<Y254YM*M((TMYG^!G29U?B\%X9?.80?'[QQ$67K`1H[>7S%R\G^D=`O>Z
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M'Q2].M-M`2Z>R=)E[D)+B'XM4#1B=QAKL89@B+A2233*?2'O7L+LH1LVMQ-W
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M>]^N\_H!^:.IO!C_`/>YX<?_`,5'C]_^:]4SY//_`/(=]_\`3O?^7(V\L_S+
M;_W]O_>1_K=Y_C<_NHP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#_+(O_\`]>;I_P#>ZR__`#U.
MS\G'-]K_``G_``VYG_FFY_OY_P"\S7[WZG_-_P!.>J%L_K"YSY1>#M[\3/NL
M*'=O,'FG+K+XA]*XCVKIM?-"+J0.+E\LK-D2FDCF1]:>&[(D;"1BL2)"Y.FH
M\3XSK?QG$H;7]&W>L>1:A*Y&,H4;3SP67QG^^>5>]OI]S?W*]S.7[WG>VVFZ
MY'O-KN[\)6[TI-[>%REJ.FTXMRG**D]248ZI+4THO#>37SP&Y<8\<+84^\$X
MT9E\&MWGCUDR&#5SHFUV.X^68R&$K-/!ORZG'2V`J@A+[DL@_I,B3,2VAN,A
MIQ2VEJ6VMI?K8NDIR]LVW3V5//E/,/3SENYY3S"][Q;*<^6W.;7YPA:W'?N[
M^W"U;MP;M+N6X1<ISEBY42BDZK^?KQ0C5]H'Y(2#G6N<<M*&O'L_2:0F[V,F
M!)G;S.NO/+.'C`5C`Q7Y53$:IR5_.OKCQX\A+2=N:4M.]8X81=9*,O+:571U
M=*4^+,_SO[APV?D\UN;G=[?;3N;)V[:N2DG.;NVKB4=,94=+;=7I2=.\FT?4
M+I7G1PSR,O'A)TABPU+F/=+L0X`:^\*Z3;IA$-7MB_%'I,:36!4/<,).?(S^
M@+C_`&ED1X29&Y#0D'&W[7(JTZU3NPG*$L(S;CK;>'==4O;6O6LS^R;[U!Y!
M[S[[D7,H7;6VY_?>UES:].L8M;*ZE!*D).3NJ*O3C%R_L]O%=Z#)[K]W\2[[
MUW[QKJ\?S`XI/B];[!P_I/-:#=+#UJ9Q._4:L/(E&;+;.;42MP[)T;L'/2#<
MA("OSO:/9=?W)<3(:>2XRD[<Y7).4&G.+2K5-+3C1?UDTZ+J3/J\XWWNCON<
M>\?-[7.=L_M=^Q=MVKDMQ]FNVDYZI7+-J"G>O6JTA:G2"US;4DU)9UY+>2'C
MD=Z#]\M:*!Y9\@G:\N>/<!%\2T#LUR&3C9REAQ6K2`DS=56'"AD%"QCK"E:D
M*C+7+3$6[I?QT->EZ=N2NN,X]^*2QZ<3Z?O![R>[MWFGOCN]CS3:RCS7;[3[
M/IE=3D[<;?F0?ZM)/3!].EZE!NNI*HUY+^,MDGUNA3_*3D$8ET#[CG^PP0OI
MD[9G:I5O(T(8CF7@O0+`]6]S8-?FPYRDQC"6Y3$AUAYM/JO3:7>U=M?GQ_LZ
M5KT]9Y1]X/=W<W+7+KG,]JKNY]Q/NMW9.YHAO(24G&[)PJH-/"XE)-II8TK4
MXWW/Q/Y@>^[P:+>87`"</Q^\(O*CBG2"0R=T-,*!=^H[GPJDT-3/Y]%E2QTJ
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MY].QD:89%B[^'^YO/J6#3;R+!S\/]W_TY]:ST&N&1'O?J_\`#]3>?5LFNV62
M/^OO^YGTH^$^WR_Q^TN-_J_\/U,]H9G[WEV3.K*+5*#Q?EX;R$[)71=[L5X6
M8UXY\0L'Q_LQ8XE;(/AK!W7L<:*_%G3N25NQPWQ@4$VXQNWG(<M,AQ`L?*1,
MS7;NXWVZ?+ME)V[5NGG75XHZE56K?0KDHTE*>/EQ:HM<EI_I'++=K:[2.]W,
M5.<Z^5!Y.F#N3_V$ZJ,?Z\DZ]V+KW/Y,=*Z?XJ>+?*^<V6\6!'FSY;E>9^5/
M=SK4EH18>$<'YP2^T7A[P4`-$:AC>=HE65&[W*!0(H^.,<BC&M1DH;:SY'*M
MKM.;\VO;JU;C]Q;.,]O:6<;MV:T[FZV\9]W]4IMMRK-UQ9^OW=Z]LMC;LSD_
MO&_INS>3A".-J"IA''OZ4E2D50^>3/F3Y6Q2S1R!Y`],$DV"MO.17PAQ()F$
M7OU010+B0'CPT:`-'R#U*3L8Y\!EM+45;FF=-J==4O\`2ODG*'#RY;:TX4BL
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MPJ-$'GJV0@`C[$XBS5+C>=])M\<='-.,PYY<A?7%G(\F8_I^*77N2P^PXI2M
M\W>2<JDY78[:P]PVI)M46J,-$:TQ24.XTE1QP::.H<PWBI"5ZYY5&L'T.6IY
M].KO8Y/%-&[FO-0-%+2#<BU^;UI.3*(QS(A8)GDAS2ED"5'C;KRV`TV,)X!:
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MJTJG%X9IIUHUU-I]#9/>#'_[W/#C_P#BH\?O_P`UZIG'/_\`(=]_].]_Y<CO
MEG^9;?\`O[?^\C_6[S_&Y_=1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'^61?_`/Z\W3_[W67_
M`.>IV?DXYOM?X3_AMS/_`#3<_P!_/_>9K][]3_F_Z<]4+9%O?^M_SY5^(W6N
M@CGOP[_YM9Z&RWD1KO\`UO\`R_\`GSM&VWD63GX/^'_)G:S-4,RP5_Z<ZXFJ
M):K_``[_`.'ZN/ZI[QR*&_P[_P"?*>JR*2_^G7_FS39/2);[_4_X?\6?5LGJ
MBW5^K_<_Z,^K9Z#V1:+_`.G_`*,^Q9R-$2T<_!_<_P#3GU=OF:(%BY^K_P`^
M_P#SY]2SF:H%F[^'_P`G_3GT[&1IAD6+OX?[F\^I8--O(L'/P_W?_3GUK/0:
MX9$>]^K_`,/U-Y]6R:[99(_Z^_[F?2CX3[?+_'[2LYK>TKTE7MWM*M:5K7K[
M=[3O6E>GZOIO/:&9^]Y=DSO\/Y%^.`&]T_O9SG-Q[/T/GO/.453F'!.@#0`7
MQXHEBY92`56$%+H9%60K:^MT8=8!#IZ+6V1U>;(S9BTDY;B/CHD_+?+>97-O
M/E]N["QMKEVY*Y=@V[TU<DY-13BHVY.+T.=9Z4NXEA3^H;'>[%3AO)0G=O0M
MPC"W))6XN$4DVTVYQJG)1I&K?>>=>-NM=7Z)W3IEW[%UJU$;MTGHU@FV>X6@
MIMO4DH5F[2GT:CL(;B#QL"*TW&APV$-QH<-EIAI"6VTIU^DV>SVW+]K;V6S@
MK>UM148Q70E\K;S;>+;;>+-=Z_=W5V6XOR<KTW5M]+^;@NA&O,TGD,`8`P!@
M#`/Q24J3M*M:4E6MI4E6M;2I.]>F];UOZ-ZWK`+N7/GS]L*(3YY!46*S!B*G
MS94U46#']WR\&*J4Z[N/"C^_?PVD>UM'KOTUKUSE1C&NE)5=714J^/;UE;;S
M;9TYX,?_`+W/#C_^*CQ^_P#S7JF?+Y__`)#OO_IWO_+D;>6?YEM_[^W_`+R/
M];O/\;G]U&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`?YP%V\!/.*9<;;+B>(?D;(C2K/8),:0S
MR*Z.,OQWRTQUEYIQ`G:'&G6UZ4E6M[UO6_76?F%M]Q5_JYYOHZS_`(\<P])_
M4RYS&_<AR'F[A*]-I_9+[JG)TQ5NA@[OW?'G;OT]/#KR3W]'ZG';OO\`5_B?
M/56-Q^SG\0M^DWJ8L^0\W_=+_P#Z9'._=Z>>._7T\-_);?T_J<<O'\CX5F_^
MSGEP-EOTI]2EGR+FW[I?_P#3+!W[O'STWO?IX:^3&_HU^#C=Y_D?/3RK_P"S
MG\1KAZ5^I"SY'S7]UO\`_IE@Y]W;Y[[W]'AEY,[_``__`(,WG_C_`(GSI6K_
M`.9+X>TU0]+O45+'DG-?W6__`.F6B_NZ_/G>OH\,/)O?_P#AF]?\G_R-G:MW
MJ^"7P]IICZ8>HE?\DYI^ZW_T"R5]W1Y]_P"I=Y._J_\`X+WO^1LOEWL>Y+X>
MTTQ],?4+_1>9_NU[]`MU_=S>?N]_1X6^3OZ%[W_Q_P`38\N[I\$CVCZ9^H-/
M\FYG^[7OT"AO[N3S_P#7?_Z+/)[\/YEKW_(V7R[OYDCT7IIZ@?Z-S/\`=KWZ
M!35]W)]X!^IX5^3^_IU^#BU[_P"+^)LT6HW%G&1W'TT]_P#_`$;F7[M>_0*&
M_NXOO`?H_P#T4^4'Z%KW_(V?2MRIFOP?.>J]-O?[_1^9?NU[]`H*^[A^\#^G
M_P#11Y0_J?\`X*WO_D_^1L^G:O6U2K2]J^<]5Z;^_O\`H_,OW:]^@6JONX/O
M!/\`4G\HOP_F4OG_`!?Q-GU+6ZVZ6,X_&OG-$?3CW\_TCF7[M>_0+9?W;OW@
MV]?1X3>4>_H_,I?/^7_Y&SZ5C?;1/&Y!?_LOG/:/IS[]_P"D<Q_=KWZ!9K^[
M;^\(W^#PD\I-_3O_`/!.^_\`'_$N?2M<RV">-ZW]*/SFF/IW[\K_`/R>8_N]
M[]`M'/NV/O"M[^CPB\I=_@_!Q*^_\O\`\BY]"SS;EJ6-^TO_`-X_.>\/3WWX
M2QY3S#]WO?H%HY]VK]X;O?T>$'E/OZ-__@C?OY%SZ-GG/*EGN+/TX_.:(>G_
M`+[+/E7,/W>]^@62_NT_O#][^CP>\J-_3^IQ"_?\O_R+GT[7/N3*E=U8^LC\
MYIA[@^^E/\KW_P"[WOT"Q=^[/^\2WZ^G@YY5;_\`\'W_`/XM_P#R)GTK7O%R
M)/'=[;ZR'SFJ'N'[Y+/EF_\`J+OZ!9I^[.^\5TO>_P"PQY6[_!^#AU^_Z0NL
M^A'WD]WZ4>]VM?[R'SGU]G[D^]UN59<MWWU%Q?ABBKO[M#[Q3Z?_`-"_E;^@
M^^?\7\3Y[1]Y?=ZO_/;7ZR/SG['8>Z_O+!/7L-VNVU/YBCO[L[[Q;T5_^A;R
MN_4__`^^?R/FR/O1[M_X_:?6P^<_8;/D'/(Q2EL]RGUVY?,4/]V=]XO_`*BO
ME?\`H.OG\CYI_BKW9_U#:?6P^<^TN3<WI_RM_P"A+YA_NS?O%_\`45\K_P!!
MU\_D?'\5>[/^H;3ZV'SE^Y^;_P"%O_0E\P_W9OWB_P#J*^5_Z#KY_(^/XJ]V
M?]0VGUL/G'W/S?\`PM_Z$OF'^[-^\7_U%?*_]!U\_D?'\5>[/^H;3ZV'SC[G
MYO\`X6_]"7S#_=F_>+_ZBOE?^@Z^?R/C^*O=G_4-I];#YQ]S\W_PM_Z$OF'^
M[-^\7_U%?*_]!U\_D?'\5>[/^H;3ZV'SC[GYO_A;_P!"7S#_`'9OWB_^HKY7
M_H.OG\CX_BKW9_U#:?6P^<?<_-_\+?\`H2^8?[LW[Q?_`%%?*_\`0=?/Y'Q_
M%7NS_J&T^MA\X^Y^;_X6_P#0E\P_W9OWB_\`J*^5_P"@Z^?R/C^*O=G_`%#:
M?6P^<?<_-_\`"W_H2^8Z0\-_N[?/JJ>7WBG:;1X6^3M>K-:\D>'G[$?,\:NP
M\0#!!^EUH@6,%9\@4B/!&C($=QY]YQ6D-M(4I6]:UO/F<[]YO=V]R7>6;6^V
MLKL]K=44KD6VW"222KBV\$C9R_E/-(;^Q.>VO*$;T&VX-))256\.@_T\\_RF
M?V48`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
0`&`,`8`P!@#`&`,`8!__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>24
<FILENAME>g655598gr3.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr3.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`,0``0`"`@,!`0$!````
M```````&!P4(`P0)`@$*"P$!`0$``@,!`0````````````$"`P0%!@@'"1``
M`00#`0`!`P0!`@4"`@4-!0(#!`8``0<($1(3%"$5%@DB,1=1(R08"D$R0C-A
M<5)#1"4UD6)R@E4FMADG>1H1`0`!`P,"`P,*`@8'!P('```!$0(#(1($,05!
M409A(A/P<8&1H;'!,A0'X1710E)RL@CQ8J(CLW46@I(S4W.3--(70V.#9'0E
M-O_:``P#`0`"$0,1`#\`_OXP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&!7T_K/+171P7'2?1Z*.ZU:`$VU5KF,ZV`HG0+!61SDIHA80E/?G-V
M`H%@N0'TO2F(ZV6]LK^I6OH5\=FWA<R_BW<ZS%DGA67;;LD6S-D732D3=2D3
M-8TF:ZQYN"[E<:W/'%NR61R;HK%DW1NF-=8MK68TG6GA/DD-KME6HE:.W.[V
M0%3ZA5Q<PY9;39RT`#7:^&',KDSRQHR4?BCA@Z%'0I;KSSB&VTZWM6]:SCPX
M<W(RVX./;=?GOF(MMMB9NF9Z1$1K,SY0WERXL&.[-FNMLQ6Q6;IF(B(CK,S.
MD0^:E;JK?JR"NM&LH&XT^T#(AJMVJKEH!ZNV`/.:T]"*A3(M^4.)CI;*M+:>
M9<6VM._E.]ZQFP9N-ENP<BRZS/9-+K;HF+HF.L3$ZQ,>4F++BSX[<V&ZV_%=
M%8NB8F)CSB8TF$BSB<A@,"J>Y=JYWYSY%T'N?6C$BO\`-N7UN=;;F:BBBAR0
M-!#M(W+E,B`L2<5(+;TO7PVPRXXK_P!-;SN=OX'*[IS<?;^%;%W*S71;;%8B
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M;KHMMB9NF:1"3,6Q-UTTMB&J51]\^&;_`&H#1:+['\NW*ZVDI&"5FH5;O7+C
MUFL)F8KZ(@D("%VB43*$I2]?#;##2W%[_P!-;SS.?TWZAXV&[D\C@\S'Q[(K
M===AR1;$><S-M(CVR\5B[]V3D9HX^#F<6_/,TBVW+9-TSTI$1=6M=*+RHG6N
M:=/GW\7SR\5RXD.57@AS3H\,`28(2*7?Q,`:5)5"PMLJWL<=@CC$5YR.OX6E
MM]&]_P#NUGCN1PN7Q+<=_)QW66YL<7V3,4W63,Q%T><3,3K['?P\GC\B;XP7
MVW3COFVZGA='6)]L+#SK.<P&`P&!7?.^M\SZVBZ.\SO-;O+?.>@V?E%[76R;
M!--3Z52W(K5LI!S;"E?@V.ON3F=2HR_AQK;B?G7ZYVN5PN7POAQR\=^/XN*W
M)9NBF['=7;?'G;=2:3XNMQN9Q>9%\\7);DC'DNQW;9KMOM_-;/E,5BL+$SJN
MRJ/D?<N;=R:Z0]S8U(--\GZY>^&WG<@05$?M?2>;3(T"WA6-%8D39*..E2VT
MHEQ_N17];^6W%:UO.[S>W<OMTXHY=L6SFP69K-8FN/)%;9TF:5ITG6/&'3X?
M.XW.C)/&NFZ,.:[%=I,4OLFET:]:><:3X+<SI.X8#`8#`8#`8#`8#`8#`8#`
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`
M_F/_`+-VWZ-_:!6O60:-+=L?A[Q3P[T=)V/1M4N3Q]GU]?><^EA/RC6U[C2>
M!7H],4GXWK;PYK>]?IGZUZ2IR/2-_9KZ?"[AS\V#7PR?IK+\$_\`O661\UTO
MS+U-NP>J+>Z8Z[^#PL6:8CQLCD7V9H_]J^^?H>A/]J<R%V/G/`O'`N>S+@^R
M.JQOYTJ(YIUN1YLX16IWH'LLU$EE6T[&V6'3@]:4K6_H=_DR$?/^>M;]9]'6
MW<'E<GOE\:\'#[E?_/S71AQ13SMFZZ__`/3>P^J;_P!7@X_:,=W_`,O-$W3'
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M\7E2ND"O]X;5,]&CZ_>K(`H=@[)2ZHFAZHLKGP2VG?RAXF:60;)@&-2U;C./
M)81Y[D>C^Q6=XS>FN/S<]_?+9R;)^';&"9LMF^W%==OW[YMBEUT6[;;]-:5G
MQ&+U-W?^6V=]Y7%Q8^T^[OC?=.76Z+)OMMBW;MW3[L3=-TVTF:1-8]0HWI(T
M_P"\C/D#=6%IKHOR/7/2*+KHE+V:=,G.QVCF+M66(W&_!2,CP:^B6F3I[;JG
M7-HVC2=:5OU*>U8X].6]\WS\6>;=@V4BE(Q6Y-U>M:S2E'L4=ROGO]W9]D?#
MCAVYMU=:SDNLVTZ4I%:U>9/]@WI,SW;^OO\`NUH12K#*]%\P2;3Q`(1'D94Z
M1;!C_%N0=0V?*L2([#8V>F;T1Z)]EE3C?VHR%_5]2E:U[7Z9[59V[U+V'D67
MS=/+BW+,3%-L_$R64CSCW*_2]?[_`,^[F=@[OANMB(X]<<>WW;;J_P"TW5NG
M6/VCVMP;C=9XWRRP=0M7B#O_`$BD]AMJ50[36YE%M?%P4+FR#T$"4-#.?70Q
M=&)1A49:EI4/:6F.\O6OCP.#A;^P\CG9L^:WAV=PPV7X[=;;HOMR3-])F(F^
MV+9BVOGUAYC+RMG=</$Q8L=W*NX=]]M]VDQ-LVQ%M8B9BV9NBM(G^GSJ_KG[
M]W/SSS_^TSNWJZM<+JO"N1^K_7_3NGE>4W6_6V\M=FKJ*&1M]1J0"RT:L"C/
M/I`IG;0:>_,C%II%QIEV"RA6UZ]H]4]M[?W/D=G[?V>_D7]QS<+C8[(R666V
M?"NWQ;===;?=,7Q.MT1$VQ;68NGH];]-\[G<'%W3F=RMP6\'%S>1?=-EUTW_
M`!(V5MMBZVV)MF-+9F8F9I%/%MKSOW-[$K/3/+[?L'R_R_CG&/:5B51>3DZ%
MU>Q7?I?%NGEZ:=Z%S[FOH8,9H]:KCAF]5NM38R9=>E28P\RQ^([I:5I>SPO)
M]/=CR\3E_P`DY>;/S^!;OR1?CBW'EQQ=%E]^&8ONNI9==$TOB)FV:QY/,8.]
M=UQ<GC_S7CXL7"YEVW'-M\S?9?-LW6V98NMMBMT1,1MK2>L11Z<==_7D_3]?
M\>>77_\`ILGGJ?!_^;A_]6S_`!0]CY?_`,3+_P"G=]TO`G^GCU+_`%?%/,W@
M3B8VT^=I7KIKBO*ZZH#'YS";Z4CIP2CL2C+&[(JFM.?R2"H?(6]*U-^I2VU*
MTZK>_G?Z-ZV[/ZNL[IW'GWV<J.R?'R75WS\/X<W:>[N_+-8I%/H>D>E^Z^F,
MO%XO#QW\>>[;(B8BSW]\=?>V]:^->OBV4LONR+P?SG_:QZ+I'G?FX@QY%]5V
MVJ&PU7__`"(]W.<)J7""AGH]XG"PT:7(OQ(1?EQOK7J4MU(R,A3WT[W]'C,?
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M5Z350_4?[/;:CD?]=74_.7`5];F?V%%FZ]4*%9K>FD%J>;.<8LG1PB;"<:%&
MA\,)5C0);=DFI8D*C"HDI^(Q)>^RRYY+A^DL'ZWN?#[KR?@1VV*W7VV;HNB,
MD632*Q-;HGW(K%;IB+IB*RZ?)]1<B>)P.5VW!&:>;I%LW[=LS96-:3$Q%WYY
MBON1==$3T7%YW]:]R7WGKWESV=S[D7-^I<ZXS6?2-;O7$[S9[?R2[\6/6&R4
M\U->5>JQ5+35;-0K36'&)[,EEUB3&DLR&5)3\IWT>Y]E[?\`R[#W?L63/EX>
M7/=@NLRV6VY+<L6VW1'N776W6WVW5B8Z3%)=O@=UY?ZW)VSN]F''S,>&,T3C
MNNNLG'-TVS-;K;9B;9C6OU1$1,UMYQ]<>\/6DWGO=^4^:N#T_P`/]"M<%=5-
M=9Z]=QGIBZ<4DEUP&^V!:#7^=$Z'7XYX2C]V$`B1C4R5`6WMQ]E3J<[/<^R^
MG>S6Y>W\WE<B_P!08K)W1CQV3@MRTK\*;YOB^:3[MU]MM(GPFC@X7<^^=ROQ
M\SB\?!;V:^Z*3???&:;*TF^+8LFV--8MF=?":3%TV%YV[>?LO,/<=BX3YDYT
MWT3E7L?T?S8+S>H6`+S0?W*^4TG78;O0[[<95?\`P`MLN[DU+Q@@]&GO:1&U
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M<9_5E_\`FW^P+_\`VF^U?_ZLK^<GK'\_;/\`D_%_PW.'TK^7N'_->3_BAZFY
MZ<]J,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!
M@,!@,!@,!@,!@,!@,!@,!@,!@>1=PI-?Z/\`V]=-Y_<!FBU/OO\`47%I-H'/
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MR6H2LHB0AK:W&WE[ZG?_`.<_]-<.._;+>X1W29FR+<>.[';.*S;;?9CMMBVZ
M:771%T;MLQ72CE[/':H[]RI[/-T\/^7TK-V2_?=&2[==;?DF[=;K%M;;IC=;
M=IXSTS[;W_\`S#\K:^T]][7D'S`G;/VG-O:WJ\<M^4[:^G[FMZUK]=?'SK+@
MF/\`[LY9\/UF?_!D7GQ/_P!N8CQ_3XO^)8VV[[W;DOD;^VD#V3TI>`W&N/\`
M6_Z^&^2TCJEY<=#\](=0YUZ%/7JP4&9;'FMAQ-G>J%OC3X4:4ZRJ:TV\EGZW
M$?1OPO;NW\SO7HN[@=JQW9^=A[G\2_'9K?&._#;9;?%O6;=ULQ,QTTKIJ\GS
MN7Q^U>K(Y_<+[</"R]OC';?=-+9OMRW7S;7SVS7R\.LQ$^;5MZ:)[9_7E_Y%
M/4:P)L@^M7OMMP.4Y%EKQFMF3M.5YB\Y#*K<&@!N%`-0P]X#C&RPW4AAIYP?
M,96I"-J^G7M6'AY.W^IO3'$S39.7'Q[8NVW1=$7?'S3=;6)F)FR9FVZDS&Z)
M>`R\O'S^P=]Y&&+HLNS33=$VS,?#Q[;J32:76TNBL1I+UGLZ%_\`]W+QFOZ%
M_0G^NOU2E2_H5]"5;ZWY6VE"E_'TI4K2=_&M[^=_&>F8O_\`%\Z/'^9\?_AY
MWM-\3_U/Q)__`&&7_'B:.2>'7WT9_7C_`'E\9YH+EE^A7/W9[572P$=2HLVS
MG:](YC:QE;'/+VWI,NSO@M0(Z_JTC[LA/RK6OG>O88[AQ^U^IO3W/Y4Q;QL?
M;N+NGPMBZ,ELW3[+:UGV0\!9P<W<>P][X>")G-?W#D;8I69FV<=U(C2LS2D1
MXS+Y\M#OZCN[=-\LO5SU9Z?Z'Z%'7RO],H7F?M7K+T_T>Z<S['SD"5L1&+TS
MC%XL!2-4"_/FHI*))E&8<2"M>ELLO.:D-)=G=[_6G;^)S/B</B8NV3CNLOSX
MN/@QVY,628MC9EMMB;HOK;,1;,STF8BDTY.VX_2O+Y/&BWE<G)S_`(D76XLF
M?+DFS)9$W3NMNF8B;:3&Z:1,5B)F+M?Z!^NZWOD_3]:UO>]\\NNM:UKYWO?\
M;)?IK6OUWO>?FW!_^;A_]6S_`!0][Y?_`,3+_P"G=]TM)_ZB(S:/ZO\`P+M<
M=#;Z?*?%_J^MG3;R5ZI0O6_JTI*5I7_Q^?USSOK2Z9]6=QUT_5Y/\4O&>F[:
M=BXFFOP;?N>1/>VGM_U]?^0TG3+VU.>X^EJ:3IIS:W4_[:>2OA32=)^IQ/SK
M?ZI^=?IO_AGO/;9C_J;TQ_R_'_Q.2](Y\3_T]ZB__G7_`.#CO3G^Q5"U=0_J
M>VE"U_1_8U15+VE*E?0G_ML](:VM>]:W]*?JWK7SO]/G>>H^EYB.'WK_`)7?
M_P`?`]G]1Q,\KM/_`#*S_@YGFO<^H^7+=Z`]SAO[+^K=KD]WH7?[14O*7D`-
MU;O7.8%KX`JLUO?!2WGWD?&;'4&NT7#KY&1+V2*;V7E-$U;BR/PF(^OGVGC\
M3N^#MW;[_2>'!';LG&MNY')G'AOFW-6?C1FR9;;OA68XI2WW8VZQNF7@.1R.
MVYN7S;?4N3-^LQY[K<&"W)EMW8J?[J<>/'=&^_)K7K/2L1&L]SS&A_7!_P#Q
MI6G(LB,_!N-UA3XCB'-O#9D'QCZ"@S8,O>];VEZ#-96PO:M_JXC?Z[^<G=IB
M>X^JY\)QV3'T\G#,?9JUVVVG"]/6Q.[;??%:4K3#DBM/#YF[_8*%*ZA_:AVC
MF\67L8]T3^FJP4*,66AW;`Z5;O1=R`M2U+;3O>]Q%D-.[2G_`"^$_IK/7^#R
M;>'Z/X_+NBL8N^Q?3SBW!9-/L>5YG'GE>J\_&B:3D[+-E?+=FNBOVHA_7!_8
M9YQH'G_S+XF]"7@;P3V;QNO<Q\F6OSI?X!8'>2O1:7#&<QKQ6B#U#=Q[K1^@
MH&1B8LR+7)&;A3$K=>;^ASZ>;U3Z9[IRNY\OO_;<<\GL>>[)R;<UDQ-D675R
M71=-:VW65FVZVZEU8TB=#T_WWMW%X''[-S+_`(/<\%MF"<=\3%TW6TLMF*12
M8OTF)MF;=>K5JS]!Z]RWQ/\`V46OE1Z_T6,G^X;KPSL?2>6BI13I_+_.!SL_
M+QG=>D\^AQ8!.<FPU?G4B:^W,C19#X]C[LQI.EQTK3YC'QN%S._=IP\RW'DG
M^1XIQ69)B,>3-&+).*R^9F(I=?2*3,1,TMGK2?$VY^5QNT=RR<>Z_';_`#C+
M&2^RN^S%-]F^ZVD3-8CQII%9K%*Q@N1.^"IG]H']=4OPO;[KVB!&A>KX_6NY
M3.R]Q[U29=@+>>ID^JTQ_H74KI<*TYTLA!@$2<Z")4U,B1&$[F);T['1ODYO
M_4<>D>Z6^H;,>":\?X>*,6'#=%L9HBZ[9CMMNV1,VVVS=6)FNWI+CXL=C_ZG
M[?/9;[\L?[_XF2<F7)$S.&Z;;=V2ZZW=I=-T6TF(I6-8>G7]6:5I&_V`_6A:
M/J_M,]J*3]:%(^I"K97_`*5I^K6OJ0K_`--Z_3>>I^L/S]L_Y/Q?\-SV/TK^
M7N'_`#7D_P"*'J9GI[VHP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&!&2MJIP*P5>OF['6P]IO
M#Y,93`I0N,@'[=(!BY-A,CZR.E2&B)YX0%AO3I+45#NX\9I;R])0G:M<UF'/
MDQ7Y<=E]V''2;YB)F+:SMB;IC2*S,1%>LZ.*_+AQY+,=]UMN7)6+8F8B;J16
M8MCK-(BLTZ1JD>FVT_7]+:$_=5M;GPE.ON+VE*-J7\:_S5M*=:^=_K\:UG#6
M7+2$>)E:C&FB*88(5U@A:HI9`*JDI(YN78H06.P^<0+"25Z=*QA464VN5III
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MA[(8K%=DS(K1\T"JD@"Q:B`B"M>IDL<"DV0:F8MO6T,KF,:7\;6GYY;<.>[!
M=GMMNGCV76Q==2=L3=7;$STB9VW4\Z3Y..[+AMS6X;KK8SW1=-L5UF+:;IB/
M*-T5\JPDC;337U_:;;;^XXIUS[:$H^XZOX^MQ?TZU]3BOC]=[_7><4S,]7+2
M(Z.FR)%1Y\HK'&#V"DUM#4PDS"C-3Y;3?T_;;E3$-ID/MM_3KZ=+5O6OC7QE
MF^^;8LF9FR.D5TCZ&8LLBZ;XB-T^--6%!W6JV@U=JV#,Q29KG9P?6+N.90_I
MVOG"U5K]U'C)NW66VEO2ZK:A\Q/VU.(^U*3K>]*TI.N3)Q\V''CRY+9C'EMF
MZR?[41==9,Q\UUMT?0QCSX<M]^+'=$WX[HMNCRF;8NB)_P"S=$_2A_1.Z<,X
MM)K@GJ_7N6<IE6A,U-4'W^]56D.GFQ2X+)#]CCV`F-V0;'.$HR'=LZ4EI4AI
M*OC;B-;Y^+V[N//BZ_A8,V:VRFZ;++KZ5K2NV)I6DTKY3Y.'D<[@\.ZVSE9L
M6*Z^NV+KK;:TI6E9BM*Q6GG'FE*+?1)%I:H#=@K;]O+5=Z^,U1$Z`Z8)5!HC
M""O6M`Q*U/RPB"DR/&W+^E37W7$)^KYWK6</P.1&']3-M_P+;]FZDTBZDSMK
MYTB9HY?C8)R_IXNM^--N_;6*S;6(W4\JTBJ6K::<VWMQMMS;2].-;6A*MM.:
M2I.G&]JUOZ%Z2K>OG7QOXWO.&LQT<U(GJZSHT<].C$WH$)XE";>:AD'8K#DZ
M(U(U],AJ-+6WM]AM]/Z+2A6M*U_K\Y8OOBV;(F=D]8KI/T)MMF[=,1NCQ\52
MW[NG%.5CKM/NMU`"$\I%TXY<1<./+.V*MPND&2%9Y^I%3KD(K9I4Z^V$?('!
MHL.&]**36U,1FW7?\,[O&[=S^9=CMP8[KOC3=%LSI;=..(NO]ZZ8MI9;,773
M,Q%L:S,0ZF;G<+C1?\:^VV<46S='6;=\S;9[L5GWYB8MB(K=.D)C1[]1ND09
MQVCGAEA9%%)E8,NP]+;(`CXU$:04JU@@RFF"@*P"%3&]3!TQIF5$=5]#S:%Z
MVG7!R.-R.+=&/D6S;-T1=%>DVSTNMGI-LTTNBL3'27+@Y&#DVSDP71=$3-LT
MZQ,=;9CK$Q76)I,>,/B\6&@42#'O=[D!@T6$4K58BV0C!T_(BD[Q:!%-K8J/
M*9BR)K.SEIL,2&C2?A'W9"=KWI/U*TX^+D\FZ>/QXNNF;;KIMB?"RV;KI\M+
M;9GYH,^3CX+?CYYMMB)MMK,>-UT6VQYZW3$?2PO3>T<6X:.'%NP]3YKR058"
M,B`)(]$N5:I$`R5:BN3Y<6#*L)`:Q/FM06%ONI0I2TLHVM7PG6]YR<3@<_N%
MTV<'#ES7VQ68LMNOF(Z17;$TBNGSL<GF</A6Q=R\N/%9=-(F^Z+8F?IF*IK7
M4U>2%$$:GH#(KT^(R8`SJ[H>Z%F02[&I;!01*&_5!D1"<:3IU#[*MH>;<^K2
MMZ5\[Z^7XT9+K,VZ,L328NK6)CPFNM8\IZ.;'\*;(NQ;9QS%8F*4F)\8IIKY
M^+IV^WTWFM5/WB[V`%2Z=7(<@U9;,>FQ`X,1!;VG\DF6(RELQ8K"=JU];KBM
M:_7]=YK!@S\O-;Q^/;=DSWS2VV(F9F?*(3-FP\;%=GSW6V8;8K==,TB(\YE*
MLX7*8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`\#_`'-U6Q$O0_2>HU+B/:>H[\#!N2D>>W'G
MU;KIJDU?I6K""[AZA$G"\VWA#$&<>\VHKU>?3"A3G&HIF6CX4XK;.?I'I[AX
MK.UXN'GY&##_`#*[)%]M]UT7W8]LXN/,1%LQ,6Y]]\5F-;;?#5Z#WWE9+NX9
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M"``(`Z)#'!Z'/:J@TI!$K8D-#BD76VW%1UN1U^:X,\.W/;S<'$X]ET7]PP[:
M7W6S9BXT7V3,3?,S?&ZZV;JQNMG6*TF/%<R>7.&[B9^3FOMV\'+NF;;;MV3D
M39?$3;;%+9VQ=%OA=&FE8F8!.K^RK#T[N=OKY_I.N?<<ZQZ2XG:EFKGPK7.@
M7,>5<2N'\#-1*(F*KLLGNICH(NO6Q120VU%FBC$E"6?VS</;?!DX78L7$X^#
M+;B_4Y\&#+;2W-OG)DRV[XF^OPHPQ9-^/;&L76Q-=^ZO-9R^\Y.1GRX[LGZ?
M#FS8[JW8ML68\5VR=O\`XDY9OBS)NG2;;ITVTIC"Y_T>NB55?_=]VU@F%_K*
MMGL,L;APN519]J[GJ0"/A9A5K7.W!T7G0!<B3%;KL5EF/*A.MMR7GE-;6YJS
M'VK]1?'Z'C[+N[6\:(F<E+<.L3$>_7?=I.^9F8FLQ$5TQ=E[E^GMG]7FWV]K
MNY$S[GO9=)B9]RFR*S&R(I,4K,TUDML]-=0M7=..V&B7+KPFJ&>]<<\P]:;G
M7+D`;C[5NZ-Q4=<;=5>8\R?K\SK)RQA8]N@G&K#(F-JC3F%I:U)$LO-KXL/:
M>)@[?GQ<G'@NS6\;+R,=+<DY=MF6;;;LF2L8XMG;-DV1&L3K2^8IRY>Z<G-S
M<.3CWYHQ3R,>')6['&/=?CBZZVRRDY)F-T7Q?,Z3&E;(F%`TOK'6_,?E+EY*
M@]>N=DDS//']B'2'3/37:U>5UJPTCNO#*4#MSC^ZX/==!<P&V<P>?A.*W'D/
M+D_E?4SIM#/DL_"X7=N\9K.3@QVQ'*X5E,>ZS=;?AS7W6_FGWLDVVV1/6(IM
MUK7QV+F<SMO:\5_'S73,\;EWUOI=MFW+BMB[ITLBZZZG29K73IL1?;5VRE=A
MD^6Z?ZQZJ>J\KL'BE;O4"RN;6#J]>#]W'^D6^G\QW98U)B@5-G`G(A!L8\Z+
M5.#[.[=87^-J$TWXSC8>WY^#'>,_"PVYHP<K_=Q\2W'=.&<'P\FW?72<MUET
M;J7;*3KNF?)<G-SL/-GM>'EY;L4YN-[\[)R1&6,V^RNVFL8[;H]VMNZL:;85
MWU;T7V`9Q>Y4"M]:[P8['P-OW1=XMZ#W/AO/17^TWG3L1[G-'O7>K)?*=)B7
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MPT*W7=!]=D\D[)[+_O7_`.3=#=0]*V_][_E?:^?K_P`?G,\+X_\`T[F_3;_C
M_P`PXVW;7=7X7)I2FM:]*+RO@_S[%\?;\+]#GKNI2GQ./6M=*>;S%Y3UKK//
M>6`4<6L)H;RWG/"^\>E>5U-8^&O=@\U<S_L-;-4,$/=-C9!M-6M7CQ"A`-AM
MYMML3,A+9TEUMI:?;N;PN%R>9=//MMGF9>3AP9+JS[N?)PJ7S-)INMY/O7S_
M`&HNKI,O5^)R^9QN+;^BNNCBX\&7-CMI&N&SEULB*Q7;=Q_=MC^S-M-4DN_H
MKUMVNV#Q?";ET28%Z_4/6'H/S_.YI9>%TF))"\QZ)1.+\(>)%>QQ&XMMX]H0
M.7=3`Z!]Z62U<XZI#J8C#+2N'!VOLO`P3?W''BC)@OX^'-%]N:_7)9?ES4C%
M/NY:S\*VZ=+?A32-TS+GS=Q[MS<T6<&_)-F:S/EQ39..V*67VXL4S.2/>QQ$
M?%NMBLW?$BND47[+U[0Z4%]56&D]9MSE_J7=^1<U8XI6[%S6HBPE!C\<\T]2
M[A5N.7>QU*=$8ZM925N/109JP2WX$>*ZEEM4%2_W%KQL?R'B7\/%R,%GZ:_C
M9,GQ;K<ETS?\7/CQ79;+;H_W=L6V3?99$3,ZSN_+/?\`_P"ZY-O*R8<UWQ[.
M1CL^'$V6Q%GP\-^6W'=-L^_=-UT6W73,1&D;?S11G1^D.>G>;DT5+L?;Q7,H
M<O\`J.M-),+EU.M=7V5MOK>X4"XR+V5;JY6+-M+1FLQI+VVM.P$'`S$F)M<;
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M=\,Q`4^"38;B1Z\RF,G>DS]2-\+#P.)GQX^W<>,N#D<7GY(S71?\2V+(Y..R
M(UB+8LQV6S?$VS6;YK_5IGE9N;RL.2_GY_AYL')X5DXK9MV73=/'ONF=)F=U
M]]T6S%T4BR*?UJ[?^\(_297H7P<QR2=RH=?%VKTGH5,[2&/G^>-Q]^>['J?H
MR*K!RN&)/U,?^WZ);:=)^KZOG],\)Z<GBQVON4\V,T\;9@K&*8B__P`:VE)N
MBZ/L>8[['(GN/`CBSBC/NS4^)$S9_P"%-:Q$Q/3VM'.`>@RO+_(5N'T>_/T:
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M*!5FK1)N$>\U*-(BEE$E2M,N;A;2N/O:5<<\'MN7B1P_@8K+OY9BSSE][?\`
M$G+9;==,S=MV[+IB;=M*^]U;CF\_'R9Y7QLE]O\`,<N&,?N[-D8K[HMBEN[=
MNMB8NK7PZ*RXA:/['.O<%3T&K6&]$A_9^,>?>K)GV?J?FR+:35O*W@2<[75O
M,T^I#C(;E8>]<I)3!H!JU,/("$AT9*Y$>4],G([?<,/I;@]QGC9K,<7X,^;'
M2W'GVQ;%DQBNSQ=,3DFS)$77SCF-]MTZ3;%ML]?@Y?4?,X$<C%=?-N;#BOK=
M?AW3=-\3DC#MB8LB_',VV1?'NS;&L3,W+NH/H"P$.G^6>N$.B=Y)^2NIU[GO
M'>3R'"U`C6`?Z,FEND5*U5_UU4&PRK+:)=P)"X4,4;K4N4%@%1+RG&V8LG1&
M1X_D]MQ6\3F<*W%QH[UANORY-+]LX(C'=;/&NKMMVQ,S=9?$73;=%)F8VQW>
M/W"^[D\7EW9<\]IRVV8\>MN[XTS?;=&>VE;MTQ$6W63-L76SI$3NGV+ST9[@
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`
M8#`8#`8#`8#`8#`8$<%TZI!&+!%#UD`+C6PN4L%ICP!$"*S9#AQII@R8.M,L
M(06)%6&&VY#[^G''FT)2K>TIUK7+?GS9)MG)?=,V6Q;;69G;$=(CRB/"(Z..
MS#ALBZ++;8B^9FZD1[TSUF?.9\9E&Q7'>3`A.@(7F=#$A$D:28T('50'#&Z+
M<UAUL=SPEJ$Q"1'_`#Z+`IPE@0[]/W!S0R*AC:$L-:3S7\[FY,GQ<F;)=DI?
M%9NF9IDFZ;XK7I?-UTW1_6W75K67%9P^)CL^'9BQQCK;-(MB(K9$19-*=;8M
MMBWRVQ3I#,V>@46[+8<N-.K%J<BB;(`C+L((:87'!W(<@1;0[*B$:1MH99Q3
M:8T]C7PW+8UI#NE)U\9QX>3R./6,&2^R)NMGW9F-;9K;.GC;.L3X3K#>7CX,
M])S66WS$71K$3I=%+HU\+HTF/&.K!67C'(KD*L`*V<PH-E#6NH!N?V86<J0(
MG!/4:N3"1"NU$M&F076IU=`$#$N1!B.:4Q$?D..-)0M>U;Y,7/YN"^W)AS9+
M;[+YOMF+IB8ONB(NNBDZ771$1,]9B(B6+^'Q,L3;DQ8[HNMBV:VQ-;;9F;;9
MTZ6S,S$>$S6$?UYM\^:NC?1M<2Y7_/VZUJFINFZ)6E6?=6T`55-`G#>QVR+H
M[566H9IM3F]:'*W&_P#D[VC?)_->Y_`_2_J,WZ;?NV[[MN[=NK2M*[O>_O:]
M7'_+>W_&_4?`Q?'V[=VV*TIMI6E:;?=_NZ=$Q7S#F[C&HRZ%3EQM45SF&F%5
ML0IG7-WD-MNT+3>XGT?PYUMI*5#?C\3>DZUMO],X/UG*K7XF2OQ/B?FG\_\`
M;Z_F_P!;K[7-^EXU*?#LI\/9^6/R?V/[O^KT1!7F_P`^+OD/J*^(<G5TD>R`
MCP+XKG]65;H+=58CQ*UN'8-B]E(KH&%#9CQ'$.I<8CLMM(5IM"4ZY_YKW/\`
M33P_U&;]+-:V;[ML[M;JVUIK,S,^<S,]7#_+NW_'CD_`Q?J(I2[9;NBE(BDT
MKI$1$>41$=(=\%P3B%8?+2:]R+FP5\]-O1$RX-I=>B?N<WJ"A#G29$U+(]*9
M"[^Y7X*S/U:WHFN(TJ1IS:$[UG)W+N&6+8RY\MT6Q9$5ONFD8Z[*:_U*SM_L
MUFE&K.!P<4S./#BMFZ;IFEL:[Z;ZZ?UZ1N_M4BKK4GSQP7FH2!6N>\8Y=2:^
M+MC%\'AZM1:T#'0[M%A['1+;'BCAL=INQPAF_P`5B;K7Y#,5*64+2TE*=7D=
MS[CRLDY>3GS9,DV;)FZ^Z9FRM9MUG\LSK,=)G7JF'M_`X]D8\&'%99%^Z(MM
MMB-T12+M(_-$:1/6(TZ.K;_-7G?H&AFKUPOD=R2%/6>T"DVCG=3.H@6&[3=D
MKD8C()BI*43K:2^))-?Q\SI*$.O_`%N(0K6L'=>Y\:OZ?D9\>ZVVV=M]T5ML
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M*D$E"W!U>@1PS*8>F(C;36XB=,[3MO\`QSM8>[=TX^?)RL'(S6<G+,S?=%]T
M77S,UF;IK69KK6=:Z]77R]M[?GPV<?-@Q7<?'%+;9LMFVV(BE+8I2(II2/#1
MF+?PKBW0*Y8*A=^4<]M=7MA\?:[,`/5$&3%';0)'"0XNQE(4J$XS,.CA(&#%
M8EKUN0U'B,MI7I#:4ZX\'<>?QLMN?CYLMF:RV;;9BZ8F+9F9FV)KI$S,S,=*
MS,^+>7@\//CNQ9L6.['?=%TQ-L3$W1$1$SIUB(B(GK2(AWX?'>2CH+0L=S&@
M#QC$&@"V!L&H`(8^.,Y034:Y@.CPHT!J,Q!YV87N4$90G38N1O;D;3:OUS-W
M.YMUV^[-EF^9OFLW3,UR13)-:];XTOG^M&DU6WA<2VW9;BQQ9$612+8I3'-;
M(I3I9.ML?U9Z48&[>=>!]*`2:MT'B_+KI7)EKGWN2%L]%K9H<[=BJ7FRMNW&
MGCGVTV4HS)=;DS=:U)D-.N-N+4A:T[Y>/W3N7%R1FXW(S8\L6196V^Z)V1TM
MTG\L>$=(I%&,W;N!R+)Q9\.*_'-\W4FV)C=/6[6/S3XSUGQ<1WS=YZM%IK]W
ML?#>2';A4Q0<%5[.7YY4R!RO!Z[,20K@T*2E"G90V'79R?NCT,J1J"XI6V/M
M[6OY8^Z]SPX;N/BY&>W!?,S=;%]T1=-T4NF8K29NC\U>OC5+^W=ORY+<V3!A
MNRVQ$1,V6S,1;^6(FFFWP\O!ENI\,XOW*"%&=HY/SGK`VN$G#`"!T6FU^Y0@
MQ5Z*[`?(#(M@'D&84M^"\MEQ;:4J6TM2%?*=[UF.'W#G]ONNOX&;+ANOBETV
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M-W]ZDS%>NJJG/('E1P?>1*O./$M#.F$QQKH$!OF=09B7`N(*2S@LF?9:$H00
MGCSA"1-9=7K:VYDAU].].N+6KN?SOO.['?\`JN1OQ1,63\2ZML3$1,1KI$Q$
M1/LB(Z0ZW\I[7MOM_3X=N28F[W+?>F)K$SIK,3,S'MF9\4A'>;//(>WU"_B>
M'<E%W;GU=@5&B6D=SZJP3E,K`J%,&"@56(1A;4@`+%BR,B+&9B[:1'C2'6F]
M);=6E7%=W7N=^"_C7\C-.#+=-U]LWW3%UTS$S-T5]Z9F(F:]9B)G6&[>V]OL
MRV9[,&*,V.V+;9BRV)MB(I$6S32(B9B*=(F877G0=TP&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P,/"L(`D6
M-`1QP//.UO8[5B"PB<*46`;,153A.C0YA]R8*V4A)V]&^^AO[[6MK1]2?UP`
M*P@+2-09K)P/8A#LF?#;*@B<(N-<F"I\D44B(G#WY$5<D:4A/1I#>E?4S(:6
MVO6EI5K09C`CEBM]7J6PNK.?%`?Y&8U7P6RLQF$DH;V**G?VR(MY2$.2M!@<
MR5M/S^C$9Q>_T3O>!$0/;.2VJYPN?5;H%8L]N(\]$=8A"JZ2:.(D<WL,K\.N
MW))(7^6)T#LCVE;&N[?U^X--N.1].-MK4DM)6`7+B:^*(G3Q0<$"!X4DF7,%
MYL8:*%C83*Y$P@1(3768D&%$CMJ6ZZZM+;:$[4K>M:WO"(74.P<EZ"[`9H74
M>=7=XI&.3!C50NU:LKI&)6)(6'994!L,3FJEQJ]+LHYJ<MO2DQ'"$9+NT*?:
MTHM)A8N$,##$+%7Q)("%*G0PPQ:IDT?5Q)`G"A$K)/&BYAPC!`P9+[<HQ,@!
M1TB8\U'0XMJ*PXZK6FT*5H/@O9J^`FUL<:,0!DZX&W*W5XDV0AA\\?:!FK,X
M(&-KWI4J>BOUR?,VVGY5J/$=7_HG>!]HL=?<L$FI-G0SEJAAH5CEUE!2$JP1
M:^2FSQ@X[)"I?V28#3R0J5'9E*;TPZ_&=;2K:FUZT&9P,18#X6J@3=HLA.&$
MKM;$$CYXR1?1&'B`H>&\1*$Y\ES>FX\.!!CN.NK5^B$(WO?^F#KHR$65'FQH
M\V(\W(B2V&9460TK2VGX\AM+K+S2]?HMMUM>E)WK_76\#GP()2>G\YZ0QJ10
M;S5;>C8D<?VBOG!Y.2T",$3P@09?AQGURXXHL4JQ./%D.(2U(>'R4-J4IAS2
M0G>!C3)H/7!)$]82PT$##PY!$L:,SXHL2+'Q&U/2IQ$C.=8AP8<9E.U..NK2
MA"=;WO>M8&%I5\HW2J_%MO.KG4[_`%6<[*8A6:E6(/:J_,?A/KBS&8ID%,GC
M9#L22VIMU*'-[;<3M*OC>MZP4F.J68#`CU6ME9NX5JQ5`X-L8)^:8&LEA,EN
M9!=GUXS/KQN(A]K>T;?%G!4F*^G_`%;?86G?ZZW@Z/PE;JP'L%:JA0Z-@62X
MZ,JJH25*;:(GTUV&T0.[%QE;TY+T*A/H=?\`IUO[:%:WO`D6`P(]8[96JA'&
M2K0<&@8QJP@:F)>)RFXK9"RV@G'#5T'$4YO6GB1DK*;CQVM?Y..KTG7Z[P(A
MT/M?)^33ZL+Z5?ZU2IUTW855M@^0;@_GQ*B'78+86<=7K[(ZOU<,C4@B1E*9
M@04.-_>>1MUO2RQ$ST65'D1YD=B7$?9E193+4B-)CNH?CR([Z$NLOL/-*4V\
MR\VK2DJ3O:5)WK>M_&$<V!\J4E"5+6I*$(3M2UJWI*4I3KY4I2M_&DI3K7SO
M>_\`3`Q8`^"M0019JN:$V2MV`;#,@;``)0S`0V((QVY8\J(+#GI$`D-GQ74N
MLOLN+:=;5I25;UO6\#K5:TUR[UX1;*B:'6*M'H;9`*<$R6Y@TG!=WO3<J'):
MWMMYA>T[^%:W\;^,#/X#`PX*PU^T05E*T<#V(8T2,!W"((G"+06R]=+30%@%
M+EP'Y$=!($=&R84QC:ONQ9<=QEQ*7$*3H,Q@,!@,!@,##E;%7P<D'#-G0X>7
M9R_\?K44J3A#Y-A/?MA(U^R`V);[+I8O^S!9DO\`&CZ<>_%B/._3]#2U)#@9
MM-<D6@C2F#0YVVB`(6T%*ZB2VHM`KMB('A((S*AZW]UH>6)5<BPPYO7TN.0G
M4Z_5&\#/X&&/6*OU4;LS:#H:MB$S1(U14\3A!QJ2)XM"`@A^YQ!^/%U--'"<
M:%$:^K[DF7(;9;TIQQ*=AF<#"ZLE=W8ET_1\+NVMA6[(NKZ*P=V)%=>G.BVC
MZPFG_P!S2%=)L+CIE;:^PI]"F]*^O6]8&:P,`!M5;M"SK==-CC*ZP?FU6PI'
MR6Y*@UD&L1),\(0TWO?XY&)'GLK<:5_DE+J=[_UP,_@,!@84W9*[6FASUC/!
M:^R7-"JV)=-E((IHG8CTM`\&!'.3WV$331F>ZEB)%;VI^0\K2&TJ5O6L#-8#
M`PTJQUZ`<#UF<>#0[)88A@@`KTHI!CG#D"O;':/S@XEY]$\G$![,1-3'66UH
MC?E,_<VG[J/J#,X&,@&@Y626AC"PPE+`$$"3L6!/BS)(4JX/@ED#"S$=UQT:
M06+)QI.F7M(<W'D-.?'T.)WL.!%CKSEAD5%L\%7;(@6)8Y5804@JL,:O$)TT
M9`/2`NG]DF0LTD,DQV92FM,./QW&TJVIM6M#VLU@0&T]6Y=1CU9JUUZ30:?9
M[K+;@4VN6FX5ZOGK;.=D-Q&H59$%B,0@>EN2GD-);BMNKVXO2=:^=ZU@I*?8
M#`CMAMU8J6P6K,=&@]V>Q#:C7OW*4W%_>+.8U(4*!#_N;U^02GZBN;::3_DO
MZ-_'^F!(L!@,!@,!@,!@,!@,#P0Z;>2WG?V)[=[/2E:;M'=;ASWR$'C,I2I,
M_OIGRIPNS^17R#2=;^XRFV'[0,6XOX^C15G6]_'QK9R1&ZV(\OE*@5=6(>._
M)\[CO!;Y<J8?\R2O<_56'8UQXI1^:&*OS[V)V&B`9O0?]SJG:;7TPK8K36I3
M#U?K2H3LC9%>Y4R--E"G-Q:;KJSXT^YLC?\`O/I6I1^N=0%]_N!-<[LW]B_&
M*KSI^L<X<IM.`\(X9W;I'*B-=CQ:<FS$+O6[?RV-M4N=/F-384MV*_&<TAE:
M+X52D=/F2VU^@)O4NY\^K\?HE?NP&B'_`!Y;(L,/(K16&%NO2O-WMP_9I,N0
M*:<2\_9!H(1*_%?6XQJ,EM;3:6WE?6*4CZ_P:F#.I]GI++G2J;T6].6'T'0O
MZLJ-=4`B/$J0*I0GJ/).AFRL[G$FVU`7S[GIBPG:\P`$O$EOP8CUC6W$8W*V
M/0U%TG[7H1V2?ULO_47Z$>[C-%%>F_\`;MZ#&E2+I:H65DF,&NWD32)UK*<]
M1'I!*QSJ9$&N6#0A#,#]T7*0PAM&DH368IOBG2L*Y])77T9PP4-`1K3QKF?2
M)?!>OV*%9.(<J$0ZX"(O>F/&%$#G!8CHB;2360CUR^$VIT9V5L9/>=86\PI<
M=A398B)^O^E".O\`H+J//!W;>"1>]]F)W_F76>OD>>=$DW'S?S6=OFW-/-_G
M;LA]77K[?^82ZJ7@5&W=]1J$-#A-%B0YM&I>]PH<Q]<(B-)\*%.])^C["2!]
MTD]D/DH6^]^..50^$B0%"'<U-!?0/CG@O3+M%E2'JS+O3YXCT3I3\\1(T8;_
M`&[:&V-(<CN/(72;8Z?/][)5GT<1IO%_+'I6[^EK-V!OI=<Z)V7M+$.O\;//
M<KW7?&/>.H6BF\=JPRECRU'?K%GK:H/[<3G2B*W0VXA"0K:B&GA36;8CY58W
M@W7^F7;OE#YQT:XFK<SS/UKS$Q6%W#H/'^G7@%&ZGX<]7V.>!LENX?6*G0W5
MK6);(1X++$I<)J=O3<MZ&N)IL3$4K'DV(]<W/NK78>F4_C%J@5V8'XEYHMY)
M@>4Y90^B&ZD4[+W^%TVN\WZ=TT"3K(6]'*U5HO[2@ZO89K<63I#@]^2LBR2(
MBE9]JTNG^E:J]XNY1UBEVOKVXG?1_#:URNT!U\YJG4BQCKS]?8JSMA.=""2^
M94>:=:E[;*DGX2V(NWG-CFG):H3:R1'O4\E447J%PZM_6%Z2L5^M#%PL("D>
MX^<O6=)RJV=\D+Y=8>Q4`&HK:J0%K50LYJ"#KL>-.)CQT"/.E,K?^PVI:M86
ME+XI[&LHGU;Z%KO3NTWZP6*V@^!>=C76Z9T2NC+#P&9#`<8YMYD<O52M%#Y:
M3@.=E-]M,7%(T_'FDY'\=E@"CR'&=0F&7T1=L4B/ZTOGF?H3NEBZ3%\[7;T'
M<>?U.9Z#&!3'2I70//-^ZS6!4SRH=[>&Y7/Z54N<L\E'D;A:`NRWV]"94M@3
M%DP8\M<:1'6S2D4K3P5-YIZ?U!?,/+G+>==OD5H/T&)XSJQ+J-)JG.%VFRU3
MHMG_`+`BUT*A21FL&X<95[C<S&O0%[;DQ@RE./#VFMN._=+,169F//\`!*[S
MZ<[PWR[M$LG["-\IL7F?SWU&V<\.R`?(D3.\W.J^J_3W!6"70H!VFR!]HD!:
MUQFLCGX0!D2G]]M&Y:F]..P&FX1$::=?Z'HM[UU3OW'Q_KLW[1OS?_W3!D]I
MU:?H_@FY>^5]23P__<C\KX#[IO\`W`[K/T?N'_0?OO[9]W_X<K%M=:=:->/[
M!?1\3B]/)"O-]W(4*V4#BO:/23CO/[1P&A\??8H+HH:B3T&7?:A:YU_EIMS[
M45VM5Y$:3-;EN:G2HKS@US9JV*SJPQ'T5UCF]ZL?:KUW>^DN9P?6'IGCQGEP
MZJ<^EUJL\:YAY-ZAW:)(K0Z)3]7$WTH#:N:ZD19<DJXB3#D+@O,*;^EQ(I'2
M/)4W./2/<+1T6-P:R>A;K1:3<NO\,;G=-,]$\V]`Z[1ZWTOS[Z2ZU&ICMZY]
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M$"%(2W"5(;AEF5&IMB*^6K`2O47IYF)SKSM)Z1U0CW$CTZSCO0-^J71?*\43
M*L.N);Z)S:%YQZ';:B.YD%Y7T1<278F*^8'JN<*`'D0'T;C.*ER(4CKX,X6Z
M=V+HYCE1'T%WH?4^DT/V_P"`N42_.E8F\UF\\N3YF@\(ZQ8;B*4R&?NAHC9K
MY;31065'E$C6Q`'45IE;;<UQPE(CI&E);4>]FS]<[)#Z>`O]K"$*3_77_8=8
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MZL]$LHN7`:\#\W[)7)9O@5(Y!8"GIH/3"A(;4>2-TC75+>?(T^Y(F-S`\T.%
M#/PDHA)>1"+1E#;&OT_8W&YJYU77]7_-U<.LX2J],5S*DIK9DT;`UQEV.JWB
MTV(*&LEH"6:L5ZX6>K?FC0,\B.GP(1J7%>D,.M(6C9--^O1J%1O6/H?LW9^>
M@N&V;IJZ71`/F24U"ZA??-%>?NT"S=RO_-?24KM$:4,D'.GEH<.@$0%<F\\?
M;$I.P&Y3#\U,Q'U%F(B->ORHY:QZ0]-U3D_`["7[V?O-H]W4(WS?E<^RUB@0
MH'.?21'J53`TS=.A5VHBH[HT=QD_8;!(C$U$?R-TF1)=W\.N(PLVQ68\EM<F
MZ_>^@]?9YX<[L8Y<`HD7OG4*75J6.Y932'HZR5SW-Z)Y=+JYTD9I11DD$H=4
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MU^H28Y=YE@=WY3SP+`Y(\%[M<)'KOUWS<(-+_F5>8=MM2NE7YM6*I'B@Y,-S
M<F>Q*:>_.<8<4:VQ7IX_A#TH]X]HZ?P>%S.U4NR[""NBM=&X!#&['"".D][Z
MS5H^_-%C1N?#D.+?&]'K*Q"8^E_BRU'])>;=4EKZ3%L1/5IU0.]=QZV8YA4[
M/TF6O^$=1$^->J&PU?HC1F5Z5YMYM]DG^[]`K,R;52::K:2$T-39L/\`";0Q
M#;VZRAK\>2^TX:I$:^ROW-=Z46Z9SKD5;[A0?2W1I9CE/]8_@;HLA1!SG%I9
MZ.5,=1[DY*JO2#$NG/RR-/$#7YPIJ/"6/):3)V\_-=F,-/)BZ3-)CQEZO^P[
MC98'4_(_+QW>C7GZJ=DO760-TLE:50X5DL#%5XM;;L`K@`_T&MVD17R/[V$1
M.4\U%6^[$A/L)^-.[6BL6QI,TK1Y_P#-?1GH+J-*.=&NO7992+5:I_76P-IZ
M*7S1-#MQ#N/HJ%5[1U\D/G4^<540Z#3J[!*!8\>7''AEDG'XC6W-QG(QJ8B/
M#S=8UZ>]+\SYF]UU7?+%:9?3:5[>?FQ+74^=3*7Q49PKUI1.5U+IM3"@:D%)
MR&N1<EMY,B<05G$8QG]M3(E(;TWM."D=*>2P.V]-N7([M%H]+]<')U?G4KRJ
MB9Z*N$?A-JNHH=V/W75N97)2[C`YR'J7[<ND6!V`/;D0U0![TIN5MM3B-*V(
MBL:Q\J*A[+[!ZW2>:]DIU8[WT0[=?.Q+U3=Z%U]5I\]4FIWKEO$H//D#2783
M5NY\5A]/)T7I=MEU&0'J<`>Z8T.?42>C3%1G5Q8MBOST>C?#[:=K?,O<5ZK(
M9-AM(#M_;+<#KC3<AW1FQ#N4T4X-!H9CJW+7^XD6T,:0C?W=Z7K6M_5\96)C
M6(>>K_I3L`B)R2MC/;!FT5_MU2\-]&Z#V)\=Q5R3RHYW_ML>@6ZLT^1$HT>J
MU:L=?KTZ4Q78)>*1E`I893[#SVU.HV;I'EKJP-B]/>SS5OD\;Y1TDS:7^9->
MBY_*NHS;;YUHT+NI#E?=&:#7'.P%;Z%'B[G2.>0$_P`?M#=,C#R$R3+_`#W7
M&)/XN0I;UE:?4.]]>$T>^./>@^P-=)N7:/<Q3G\4#9O-').=\OY9X_ZI;J6D
M:9M_3.:V%9,<&CFP[TN+IDD9.+8VMU3(V'-^:D1%>FFGVHCS#JO02%X.]<G]
M1/62R=7Z9_6(5*<S,_PHO2`T?KG,J#8;`[0:P4K,@Q4OW$J_(B09K<QQYC;B
MU-N;E(^\DLQ'3YW4'^E/04B@<;F5;UV6MEK]-\+X3UCH4IJN<B-.>;;[>O6O
ME7E1<'0PL2IMQ@%?-U_LMJK<<19DEI;4ZJ[>TXJ6R1VX28CRZ?;I*R)?>^U<
MTLD![H/;^AV?@/`/5?0N,]",`2G'AW=K)^[GN"*XF<O84E2H;/3.9`)G1R==
ML$.JL#+&ZB:/F(;G/LN?`I$](UF/Z6PO]B?8.E\IF!7^8VR#2S__`&L>Q[@'
ML3M6JEB(!+;2G.`-U4["58Q4]U,<2[99*Y$)#C<,AI2$RD.?;9VV2V(F-?.%
MK\,Z68YN3]J5KKO6+%?*/YEN84U&Z%T-JJMVH31C7G[G_8+3&/RZ96JB&FCP
M!8R3?AK_``&WF83B&%+6AEO>B3%:4\7EKQ&Y^A:9*Z,_6Z':O-W:_=W"+=VF
M!=.Z-\^K],*>J:[=)]Q4)KY0?:.F,P3;GG[I40`.DG@K;<6#0(#CT&2AA^+J
M-S2?FB5H0O7TI]N="'W'M[;AGD7*.."9L^=YS9[Q#]`3?8/>>,VH,;[4Y62'
M(OXTR8H$D2DXSN8'5!:U*%MNEI37WJFWY?0]#?!W9375>$`G+]>A%NZ#!N_H
M"K-R]6BFV0\>JG(N]7?EHPW++4H36:[;GA<`1`A$30P7!@3)^_NZ9:4_I&&;
MHI.G147G=GC[OICVTGLK7/7?1"?0=84(_G;=?7;]<(5SSFNO/NZ+^_:W.U0/
MWS1347]N_P"E_F'[M_\`COO86:TBG1H78O:/;3ARZ3>2]NOH"H=DH`V]\Y(=
M`,>>+Q<J2UOVYYPX0U8JSS&IT:.[S4%)J76#$!L5;)!F9)<B,*DHC$HI%+L:
MVQX_+1/^U>CNM\XIO9N.CN\]?(](X_??2-AHG19EL\Y<ZV]S+BW(>#]`ER^T
M7&^<XG`[.BH6ONT5B*)!A6)Y@<C2IZ],QGWW21$3-::(\?[S9.FVCCW6NJ=W
MFA)%1]N<'KL#SD-A4Y-;GTZ-Y4$=J>L`ROZKS_3Y]T.R[*1LD:8V4<86)::'
MHCJ2A3BZ4I6/8VO_`*_O0E_ZMUOJ]8/7>W7"ADN&>??0-!8Z1=>*7;H`6+V0
M]V*)IXIOAM5K5<I8RQ5^F#),>OONE5CWFWE,R]M/;0DET4CVU>KN&#`8#`8#
M`8#`8#`CS]1JDJ3(F2:Q7I$R4:%V25+?"C7I,FQ`XT6$%/R'W(RG7C0>'!8:
MBRE;V_':90EM24H3K018_P`8X]:W!#UIY1S6RNU\A82P%T_1:N9<"%;;(=EV
MLF(61%R5#2%FE/N.D'F=H<FN+4I[:][WO"UE)F*K4-+;?BURMZ=BFC!QIY@.
M+TN-8C3$V#8##;C<?ZF31:,0DLS)&MZ??0^XAQ2M+5K9$6J?'.-4B,H;1>5\
MRJ$.//:GJ'U.CU4!&8)H8*:8FJBAQ<1IJ>B-89OT.;3IS2)S_P`;^'G/J+69
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M9J53B-?NH8K%CM`0\=O]\K@N$+KQ*.TB(A/[J!"AH\>&\G7WHL6(VVWM+;2=
M))JP@GCO(P!<]8`7+.<!3]I+R+!9S8FD5D<7L9Z8/)")9L\2AC&9I<O*%&9D
M5R3(6X\N/*>;4K:'5Z46LONH<@Y-SZ)#'T+E_.Z1`'34$A\*H4FM5J)!(MQ2
ML)N?#C!AD)F--1".SF=.H2E>FICZ/GZ7G-*%9GJY[MRKE_2X4P=T;F]"OX\B
MT+8(0+M3Z]:H4YD'+FSPK,R*='3V)+0><2DO14K2K4=V0XMOZ5+5O9*S'1E;
M!2*7;:K+HEJJ%7LU((0(XN?3;``$F:K-&1%,KBCI=>(Q)(B3`C*C-[;96RIM
M&VT_&M?3KX'M?HNE4T'7'*<%J58#U%Z--AO546!%#ZX[$))=21BN`XD1D8Y&
MGI>7I]&VMI=TM7U:W\[P5\?%@7N3\DF7%=\D<TYU*Z`V`557+F]3:R_<6ZM)
MC.15UQ=B6.4;2`D0UK;W#V]^.MO>T_1M.]ZPM9^A@V?//`8U1?Y_'X;QYBA2
M9(Z;)I#/,Z6U49$P1(7,$RWZV@(D,[)%RW%.QW%,[6PXK:D;2K>]X*RF,/GM
M!';'['T>GP-B5#%BMPZT%B[&+"[,J#J'[8A(_"4)58R&XVV_IVQN?(^CZ?ON
M?42K5+TQXT">BW*V%)VFJT_F4%DO#L-6C<9YJ=M$C^7GMD[K*Y]TL]!=-\K.
M]!9D.0"TZ`R_)?;?4\PJ/-VF5HU%U/G;DFP86RB"5?L8<78`!F%(&F`AL?$*
MB"PZ6VIF5`)#9[+\*="DM*VEQIU"T+3O>MZWK#*JT^>/.\</5*JCAG%V*_3I
MI<C1ZXGF5':#U4B:2I1Z=5`^@B80.:60K>YCL-MIQ_6]_<VK"UGS6,FH5)"F
MEHJ]=0M@Q,L+*DA!B5,GR`R4%GG&E:C:VV8G!IS\1Z3KX>=C/+:4K:%J3LB`
MQO/7`H=1*<_A\.X_$H9Q<-PW28W-*6Q43"QT]XJ/64K;05(8@N"4DN26=O,K
MVU(<4XGX6K>]EK/7Q=Z5P[BDZ76Y\[C_`"V9.IT:=#J,V5S^IR)=5B$YFR)*
M+6Y+PE;P.,0(*V^^B*II+SV_K7K:OUP5EF[SS+F_3QS8?I?/J1T,2SMS;(N\
MU0#;1S6WMLJ>VW"/P"$9O;JH[>U?"=?5MM/S_P"W7P2LQT=*=R'DY.SC+L2Y
MASLA<P@N$##6Z=2JU+LX@(,EZ(#0XP](&.%8`L?/3I]B.TZAEI[7UI3I7ZX6
ML]/!'M>>O/3%+E<Q3P[C3/.RYG9^;SW7-*0W2REA3IMU1N54]!=`YIE*8J%;
MDKCJ?UIO6_J_QU\"L]?%DG.8\2E742:=Y[RR1T:K5T/#!%G*G4G;K7*F,(+=
M`11,]4!1T171Y6(I4-#*VXS4AO>V]:6G]!6:>Q+K(+IS\2:5MXZM/0(@$X)(
MDK)$%N1(U7--Q564;-F%&]LL@2S0YC<YEQ6H[Z6$?=TK2$_!'ZQ5*AK;<F-6
MJWK>S*K2S(8##-;W87Q*@BK&VZW&_4R\#=5$W,UO[ZHBMM?7]O?TX*HS5>,\
M?HK#,6D<HYK3HT<HT;CQZK1:O7F&#3'[M]@NRT(%PVVBC/[].^B0G6G4_FO_
M``K_`)SGU%K,]7.:Y'RBR*K*[%S'GA]=*L$NV4U9JEULHJI6J?/65G6:LJG#
M7]@;!-*.*DNS8OVI+DA6W%+VO>]X*RXE\:Y`Y8`%M<Y5S=RU542-`5>S+HU8
M58*V"#3$$`X4`94+V1#B14]M+\:-'<;98>3I:$I5K6\%99<USR@62GR.>6*C
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M16?.79[-S23U/EYWFE>-U>L()-C1SZ;'SFK]2J#HF'(AR95:/\\LVV`A<(4'
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M?YCST&`*-.L$P8>EUL8'(L/F"5A>9GC(0UB%,:>/F9DY27$*TJ9*>>W_`,QU
M:E%K*N^Q^<N<=]MO)+%T0>'MH/DAB[D=T2QUZO6RH6Q^WTTA37XMD%GH1",O
M09$[\ICZ4?5J0VGZOT^<$3,=%P:I5-TB0WJI5G2)B*\U+1H"*TB4W47T2:HW
M(3J)\/HK$EM+@[2OG4):=*9^C>M;PCZ9IE/CHBMQZI6V$06#\:$AD$+:1#C6
MJ4F=:(\5*(J=1V+).1IZ>A'PF8[K2WM+5KYP*$O/DKA-CH0;G8:@<_YQ3A5^
MYQ<Y06GT&F!01F-1.H`>G.U`J&CB(XJ17K@=#_;(,J;WIW<EQSXV[O2L+NGJ
MG13C'GI`F@U,WR?C2051FRH7+JT4HE(2)K!$A%DNS8E!#2Q6H86;-A,O*=;'
M-M+<:2O:M;3I6"LK4'"!(A,I`D6.%IG2UD)J1T*-"3,GN-,L.396HS36I$MQ
MB,VA3B_E>T-IUO?PG7P1KET'R+Q&[UZ#58%"H]*`.=AI?9;B(J]!I\$7T<]4
M#&B[L.\C4"&X-A:L/ZLS'Y*'7UMJW_E\X:BZ8660X9Q(N`I]5*\=Y83J_/),
M:90*V0Y]4IH"C3(?Q^)*IX>2(<'5F3%^G7VW(3;"D?'^.]82LLA9N5<GML$:
M+N7-^>68:/L\BW"!UFI];-08-SG2)T^79QL,J.DL1K/,ESY+SDUI*9;CCSJ]
MKVI:M[)67)OF'+8IABU[YY0(]@&A08*-9=U*NLF(%=J<W96M!F#/[>F;%"UH
MC\R8,=+B6(;_`/S&DH5^N#5QA^1\HKTFSS0',>>`YEV.C[1<Y8>EUL;)MUF%
M$=&!=BL[\(:RZ?.C2VM2H\N7MV0S)_YJ%Z7_`)86LN$OR/CY>P@;:>YCS8I:
MZ\>DV&L68O2ZO-L(.T$404S#@$U-&NDAAZ>V)C:=DQW42'=1FOJ5O[:?@5E*
MS-6K%CVA5AK@$\IN`2%(49$#RFT"S.X>S`U&YT=_:8!78Z/^2SK_`);_`-AO
MZ]*^A/P1^2JI5IS%CC3:T`F1KBU]BW1Y0<=(8M+/[:T&^S8VGHRVSC7[.PB)
M],K3NOQD):_]FM)P.C;Z#1>@BM`K[2JE=PB?R/I#6^N![**U^7!DBY7P/,PY
ML37Y(V:]'<_P_P`V'EM[^4*5K8K*.R>,\754WZ5,Y1S!5%77(-3DU*31:INI
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MC'Q^9<3G7/5LB\]Y9,Z'4H06O)LL>IU*1<ZR.&LHGUX'HRW`6<#0H$>0EZ%&
M^XVVTA>EM)UI7SL5FGL9>E<LYCS;\_\`VZYS0Z#^ZO.R"G\*J%?JW[E(?E2)
MSS\_]B'0/S'GILIUY2G/J4IUQ:][^I6][%9GJGF$,!@,!@,!@,!@,#S)ZY[&
MOE+])BZ)1R5?N_/$WU?(+L-C\4Z(W$Y]=9'$;)U2'LOZ#<NT>@%;='GP!FWJ
MQ""..-B22=O3&9>TIT;BV*5\5-U7VKZMDCN5TZT*X2OIWI#G_C6]4&R`*)=X
MM&Y$YZ5E=0U=Q%E`D^F2R_3FJ4$Y6^^%D-$*XHF2GMQY#3#2=.*&VVOC2*N:
MJG>WT;^NSWQ::]?*G5^Y4SK'ONQQ[^`JQ(G68AZM]0Z`5<+U^K$;5J>+F3!T
M+?XS,@G-2)(.:VO<UMC;;PTW1Y:.C4^F>@^*^B?05D+V'E-LI9;U9Y1Y9U0;
M$H-L"6NUV'HOE3@@(G=*5,<Z(6%T,=7IKH^1&#2F#SDY&Y;;DUA6V'$EI$Q]
M$KW\%>L.[>F'WC?2><SPU!N?'>;]GHUI9XMU7E`.MD+Y),O3N/?R+I4Z7"[-
M)`5K8F>S:0C(Z#/W(D[_``V6OQMK)=$1T4M0K/:G.`^+W9-GLCA4I_97V*NE
M'WSI5T@4$"NW^O6M5XFZN9N40$#H`)I&X3JE,,QX2$_0E#*=)%-9^9@*[ZK[
MM?Z=R*+W<#Q"T.]CHOA#T=41U)KW1JT+YU/Z?ZSX]S@@!*2Y72)Q*\R:QNVP
M#8R8E0IC9&*[&EPY,124J=%VQX>W[D#@^TO9//J+6:4Q.&]W[";<]P=3B$ZW
MY@Z]=U6*O\&]%2.643BB*SS2_&I5.W<BY%;*;A/D[@U\8U#BJ'D9'UREEVVU
M\HT\5S/]7[;W'NGDWH1O7/:QQD9[V[/RNO\`-E`3S/7@9CE7G#U3291^SW!=
MLE5LK(-V<&8V^&9"1/V^#J$XF6^XF1]1FD1$QXT3;J]8)\I]O#NP]1$2K74>
MVSZ)ROS+U]-DMA2#Y<[+,IARK0^=77CT.TUP27YMU\\XZ09.#UKDOG9O[<43
M'82+G,B-;:1X?:UR#>W/2'*?)W`KD>Z)5NU]6A\5`=RZ[71OFWI9(B=YR?LR
M@XLC:;Y7^GJIO%H\N$%-,LFR#)'9,A!6\P+3%A3&U%VQNF/!WIGKOUOS@Q;*
M"JW`NCVOH?JGU97^>FA?F+K/3E\YYUP:%`FLU21SOEG0YMFM:;`:LX:`R1^^
M-8#043GW?S'UQF=#;;U]C<#SMZ?[+T'MC%)[W6(GGY^X<LJ-UY1QFQ<WM>K'
M=VY/-^:VOHYD?VN3:45"58^97FSEP!FDJ!13PV+"BD75JCO[5AF8B(TU?O?J
MN-[K['Y%YVZE+/+XFSYYZIVG="&6<]5`W6NA`>A<SI+$>WN5TD)GVD!S(!:U
M2]!G'E0'9IN/*DLNKB1MMEC2V9CK5K'U.Y5;S+WZT2AU'AV&H\YM'!&@P><7
ML[Y6NA>:>)O9EXC/5LE^^H=G6)T;1]BT.&-DXVV)SKCC*WTLO-0C6/EYP[/-
M/97M3HT7FE=_BE'J!7L?1N/!*_U6_P#G+NW.Z4%#=)X;Z!ZC?JK6:3>;J".=
M2L?)RG(!J(AQ@F.%&X)YG;L:&ZVOYJS%L(A6?5_N&[V@]T&AJH]S=#^.4V;?
MGX#SLY.C&>HUGTCT?C%POU4F2.GBRL__`*&ER3D*MK7^61B,,A6YK<IS]R5"
M8M\?-N3?N@Q.O^-N=7.)>Q/0UF^Y^61Q.W@Z)8N81Y1T+[,Y-6["/F<UMI<W
M:Z&>KQL9('DPY*4N;`(17V'M(6E3::D:7?1^#6,K_8%Z'J]$H76R03CQRN>G
MJMTB;P6EL!K6#)\ILPCIU%HO,VNMVU=P+-7NN%@=[;GV9X>,K[PHA$5#C??0
M^A]H;8K3715GH?U1V/F7H;BE=Z"CF]TZIR#T';^/5CH0H*>YIQJ3OT!Y@#GJ
M+>^PCI]LOA3G-4I!L\_#.K8)S_RD(@[C;9>(I;CEBV)B:='HAZP-^@JRSY!'
M\WZK4Z>;LWI+GU(ZF1E\U(GQ5V$3J3=")B`/#-]"#2JV'GD02GOL*FS7D?+.
MOO[TRO[YFVFM?)7?F_U;VOHUV\_D>AQ^:+YOZZYUV'I',:Y3@5@'7+DL;FQF
MIR:Z"NEF)VTV+Z&Y9*-:T.$Y<46"2+.1]QVFI##Z%M%F(BM/!J6$[-T'CW;/
M[`Q4"VGBI/T;V(]2//8\Y89L\?3N^5L/Y^X^-#5B"3E/QA`HQ"[;7CCL*&EI
MK[==*S-H^?ON9%I$Q'L1_BWJ;H7G'S!YBIE*N$KJG^VP2EC>I`;3R[JG4[J4
MHUM]+6KC86Y7WT$B]#:QR^43``)\D6LK"-SB<\:\I;28B%+PLQNNFJXK%[H]
M.TBF7'I1^)Q$P$+5;W1.YO5Q%1NPTA62/D+M[?-ZS.M]AE]`(,V]CHE<6[()
M18D$1L9.;:U'>?:4Y\6$VQT^;[7:]A=C+%NB7D,:KU;,!.`6ON0D&)?6<C,6
MH6:_K%Z+U(H-M\@69@D?MRRM@?B_6/>@/H@[1]"TO:T]D\4MC[?Z5(">N=4X
M=UWLAVLQ^?S+?Z&]"\:X_4;%6?,'3^N6_EM`J?@6@]R>&2:]2>D3^@]6$0AT
M&,.@C6Y0>%"(RB)Q]S>GEP]%I$Q'LC\6T_I8IU_T!X?\V%;;6JOR.Z],[GXL
M;Z]S+J?,3=T!(?.=^YM`,U,I1REMI9-L(Y9'&)3L$HXZZ^+0J%(;;>>V^S4B
MD7?1*K+=[Z]%47D[?;X@/BA*E]5I'J@CPWG>JY;11CG)CSTZ:F42/T:SQ;G-
MCW4)=JK5IG[X@<*!N@2;D:/&W,;^MS9=L=/)NMZ6Z?Z#X=PVBV6"_6CMA:MH
MH?WCJU:XM=[]7>6\_6#LQ,]T\-P.N=%3T&U!!)V`+'28T4[+ECA\U\HXB0W#
M<8V9B(F6IS'H3U7KIO2X]"['P^_5#IWKSA?(.0$37+K1*K5#YYT+R'5>X$;6
M%E5_KC*[PS,CO-R(,53L)J3.D/OJE(CR&V(I:1[:Q'XHW=/[`/25/Y.YWID1
MQDS5.LTWUF3XE0)->N`P_0+#YY392=&_W.M+-UFM78-?:[39VSR!XH&\!)/Q
MH\=<Q&EN*+MB9I\RY&_1_J=[L/\`VJHL'#4=8WUXZ)WU]?,KHFCHYP"\]T;M
MT@<URS?6_P!WDW-RRWV,#1)_DR8VQ##Q#<?\A/XVR4BF[P;B^3NJ6WM_FWC'
M6[Y`K8NZ7^B!['9QM.7/<JD$W-;7^?%KKQ21*(OAV7T;2PX^XIQQO6E*^-[^
M-&;HI-'E2Y_81[#72^1/B:+4+ITSH'GLQZJ_B'+?/7<NF#S=?6?`5BB<&BRZ
MK<B4BC6"TN,%I$Z[F/D7`EOPXS0IYEN1)V;VVU]E4JK/:8_)+Y>9_P!56K1>
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M7W=/+I%LFA2`E4X"Y)-58DEV)K;CC:6I;.G'&W$I4RLS$1NIX5:E4_U/ZA"O
M%1EI,\@M0GF,3P'3SI-B@V\-:;];O6=_YS6[58E?7T@H*JXVIUFQ250XJ6R#
MTXH]IUUQAAC[$@LQ'A[?L2`M[,[)'ZXD.9;IG..$5_TKTSB=M[-)YG<NBB()
M8&4XT+Y3SZWOA;V`9Y4_TY70"J$7(BW*`QR42%"<88<DHV^(MBGMHU]J'K[V
M;S/CRX5F.<G[5U7K#_J.N><B!:DV2C1YO<Z%[):X94.>7*'#Z"<V5J2PUWC$
MF-0W!\R*%!R6ENOK85*<+-MLS[/X+HI?M7O/I.]56D^?E\?HXN_58M<ZW>^B
MU2UWJ-&B\ZY%Y^N?0JR_7`-\I#A(R]T;TH(!*=1-8T(C`"NU-2I*V=,DVQ$:
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MYC)Z9T[SKU#GJVJ#(\IGO0HZPL<`,]B398=DC60$L2VF;8FH\L:YJ0MMB0VM
ME46;;8U\/XJEZ+Z>[WZAX8X7C,\GI-)I3W]>!;JM;D`[23L-SNG7^Q\KN-IE
MT"U[N`V)3:U4X3D)`B/.%FI!:2Y)8?>C_;;<55B(B?;JO#WE<KCR;T[RGN<1
MGG-MK_$?''K_`*-7*!<*+*(D7.A1+IYJJ@TT.OW\I0Q1U/3KD,:>)QPTB8/"
ML%F=*=T2UN(+=;:><L^0]'^N0O;`'E&38.`$>GE>H4,7)["US"^1*:WS:_>?
M_0?6U_:Y>CKDLDQ?J]:O/D\:UIVR*A3!9"+*6AIY+C2R4MI76BLA_P#9%VHF
M_&A1Z!SYN>9X17Z8$BN-6+[RO[#GK=6:Q:.+/)V;2ARBB6;O!EH8^6RGV8<K
M:I/QI.TEVQ]OV.O;/[">YC3%Z9YZYSGHM;LU:&6?A=^.<.ZWS#G>_K]3<+\_
M3(K!XUT`I-[A65`^V,D-G`K`2-N7"^Y&U)A38ZFB;8\61NO5N\]%Z7Q0[:B_
M-)7-./>_8_%YU9KE%LXOHUMMG,O/W25V3H8:<]T(\-C,W"^2YC0VI;'RGHX7
M\9[961(VM&X4B(]M$*]N]C[3TD/US58,G.><3L']8WMBYG>'=9Y"=J/0IMOI
MI*H5(<;)$9=MBS*TX[NRM*@NJ%RD)&_EZ^T\N8R]#2ML1]-863>/1G9*;;&:
MGU4/QWH%_P"*=2*EJE<:Q7K_`$T%#8._U\>G.WC$-5F1T4X])+A#W/Y(-Z3+
MER(A`&0V\F'#GI0\U4I'AT_BUV]%>ONTU*F<MM_?!-%O9'FW0?!WI@?`XS7+
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MBK7"J2^>UOHBRA1E^ZS]S@U<D08Z9S*6YFGVC,1$_.\_>X>J.U=`\[W4I<V.
M<IY+Z@Y1[9!<ZJE=K]@&=%Y9(X6#NTZLR[A:IUN+B+PFZ5.E$%%T1PX3]B+O
M18S2I;?W'-O!J(BNG6*-A>H>M^T/4PH,J"Z14['8.]>U^&![5(`&#B:X+X'Q
MON]WI%H8$?R<4@C8'3',H>IJ52$1G$.._0VWOZ?I2D1%?J4AR7T)WR(7Y-1&
M)O*BWH/OG(/"@`MWRPU"Z_M?_P#/',?878SYRR\W8Z=J":)UVI\>E1!<:"1#
M[('"[LF6[N*AJ&P68CKX:_@RI7W-ZPV,Z>4'1."#VO,G+.E77L#,JH7XCOJ5
MHXOZ8[+PVR!N>.IOPY//JU>*UR5TI%E3M'Y(4E)1%<1/:0Z[@VV^W5NUY][I
MT&[]K[SRWKLH+3+;3K`?FT#CZN;V:O&W^-#KD7KM,[$)ZH1N!JJ=FKM_#)'R
M9O[..&N58K(6+G-Z>TVMTS,12)AH!Y_MGI.DS>A<UYL?\X,].O'2_P"PWT;=
M>DV/B=I&#[1!XQZ?D<MKU&,0`W7T&RA`^=.K^NP22<C=9K42&.9@2U:;D:C4
MTZZTT^YO)XT]%=2]0R;_`-&+Q*15^0P8/(8]#IL$*>?Z+HGTGSEPKO98A<+=
M+L.@#T((_P!8>%1(T,.RN0W'U)<>1OX9W6;HB-/%O9ADP&`P&`P&`P&`P-9C
M7COSI8>GO=A,<^7+O3]F9N[C^KA>XU:_G35*?YNJ^(H,.SQZ$W>I=`?V&D&=
M#-$I(W26'7EMIUK#6Z:4\'8L'D7SQ9@,:N%.=LH'CZ'S#FH>0*LEO`FZ]4N+
M6"3:N41JU9`E@'V&N%Z%8YCDP<5@RF"K+ZOG<G>OC6$K+.U?S5Q"F\@M?!:]
M0H<7DUZ;OZ+E4I9:PF$V9?5))6;T66:-&BY"Q3R5QGG)DB=*<F;DO29+CNW/
MN*VK!6:U\7"$\R\4`#T#XE0DSM:N7..AR25AMESM)\G>>2`:Q6>?6LU9+)82
MIXV:`!*:,8^]+DO;E?BZ7(^\M2U*%9=SCWG;DO!/WQKE((U61IS;"/XX]>K]
M8JA7H4:82(1P]#IUGLYJK<Y`,S2\AQ(\##'0M?6E.FOH;:2@3,SU1H)Y#\]5
MWJTGM`>A.Q;U(L%GN#&UV^\RJ<'NUW'RQ5TO=:YG,LLCFU6O=N'$)+1,T.$Q
M2<U,R3MU]2I4G;HW32G@RS'EW@D9BFQF.<C&V.?4_G-!IK>B)_>@50Y)>:ST
MGG06/O9;:GF*O>*<,(-+>VX\ZY$2AY;C2EH4-TH85\1^;BVD[<IUF%R6;QT/
MH(XE6.L]>J!D&<ZW.BE>HC:V<JM[#F*W1^@F8:)Q:M07X]>F$-?E+A?D?#NB
M[KF<C^0O.\7L,;O+'/OM],@6HE?!A/5JNNZ^(O9RG2N?V&\!Z%NQ[H(FXV:F
M3'!Y0G'&-S2+._F2XXO_`"PFZ:4\&=-^:N-V3K@7N%AK98Y?ZW.AF*^HM>K^
M0I86Q#P4RLC[:,Y=*M#O,(-S@`"#\1DRV'23::=5I+^M[^<&Z:4\%/$/Z[?(
M!40.KY'EA"4`&C9@%H&OIW6T!YE5DVF5=X-*-#&;VW"L-%JUMG/3P`2>B2+K
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MU0VQ`I%G&VZBC3O1NEW(91"H6H6JA!HU'&W&X'H-1K@BGW8I`BB![<<5'9E[
M^B.E2&MH$W3/5BI7C'SLZH4Z.I]@JDH+6+53A\^A=0ZMSTFBNW*[/]'-CY).
MDW8#/(;3>Y;Q2$[(<=>&2I#VX:V$O.I6-TK#K_`N1U;F83CP6H-1^>U^P"K:
M/"2"]@)2G+8'Z!&ZM%M)6PDRTRS'K'(Z1%2:F3ITR3*($%+=E+>VXY]0K-:^
M*LH_A_RTQ,Z#*7R>!/9Z8`O55LH4S8KB<JL.N]//L6SHPBDU`Q8IM7YI#O%K
MBLE"FJY$%;F$6&9+FU/,M+07=<[@?Q?YH$"'`J^91[)&ES+V0,RK[9KIT<U:
MIO3*-%YE>'[M8+[8[&<O&SW/(,<(I)>1-0P,CLQV-----I23=*=V?S]RNX4"
MB\SL`0Q,JO,RE+-T13-WO4"SUHSSY+;54*PKV/LD6\N$H$5"F'GWB+KLZ,Z\
MS*4^V\\E8K-:L'S;ROP?D5Y,='Y]1-`K688L\-M]=DMQ@-61UVLK-RN8KG]4
M.GR=4YH(M]MCM$BD2OPAD<A,:;=?0XIIOZ!,S.C)2?-?"YE@$6N9S8#,L0#L
MT_T($+2]SY4H7V8G19G-)U]@[?FN-QRLBD3G8&VTIU%2A6G$M:>2EQ(K*L2O
M@OR>9=`KF\ITF/7H0$?%%0+OT82!)Q:G?RO4Z>FV5X5;X02[N4SH9Z<7#+,Q
MYZQ,R8\N)MGZ]ZPNZY8!7RSP`Y7]54QS0,1KO[7VH+L3+EF7HBQ?HHS(L/:(
M;B%$_J<;O1J6Y(?VK>U1UJ_Z;;.M:UHFZ41`>(_,E=%6`3%YS))MVTJ=.VPG
M:KWT>ZV6T'+-RF3PXZ8L5LM]N-V8R2(\FE*!J>D2W%HA)1I&TK:;4@;I22U^
M4>"7(03#F*.['23N-5Z'^[UVV76HVL3>J11!',:M;:Q<JK8PUKJ1T5SX''#_
M`'QDR(I\?]UE[[B)$C3HW2L23R>@SJ=4:$2"/%JO12M!.UF&8-V`O.A&N8'0
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M'W9*G%[5O9=THGZ9\OHZ%&4>YES;F!SH1CH(Z^6`W?.G]IY-/C&Q'-IG,1=B
MKEWXSN5;1<]NJ+:$SQT?42$9#+?C25Z^YM>Q%U/F9OR/Y.C>6JN-!MWPS<'(
M/'^%<BBC51U"*;6Q7%JR8&_73:TF;.;#,V>QV<F0?^IQV1]IV/&<==3$:7@N
MNJDQKQ[YZ-"N8"-TDF!C\;KTFG\ZF4GH'2*`<!TR>X(=)TJ39*1;J_8;!3"S
MP"$Y+%$I4R!)<BM+<:4M"5:)NEVK3Y&\[72.7CV+FL*9^]INFYDJ.<M0HFS*
MZ#TRL=EM!426$G8),`>D=3I8H[%(078\X81@,N0G8_T_&"+IA7)'^N_R$4$P
M0\OEQ+[<&9TF=LK%ZCUZ!:";_9=U??7DV&X0;['M5FC=233!J;`R1F26BR8V
MM24N?6OZB[[EB7'R+Y\N\5N.4H;HA^+:H]T&&:);[QS.S@;!'YR!Y#]^L6OG
M=EJ]DJX^5S*L#PDB`.E1H$F!%;0ZRO:?G"1=,,SSO@%:I5,ZE13A<YT<#UNY
M]!L=GAW>=)+L:KUYCM@H_/XK<N3)4W5:Y1X,,.RW]?UR&V%/N[V^^ZM0F:HY
M!\<^=H%`M',VZ)-E56YA.?@++LI>NAF+,2@\I6R[S23_`#DI:YEWA'*(_%8=
M%$XY!HE#>C,NMOZ<9:4@;I1^!X2\OC8(05$H1W0<->IW39`.1U7KLX#;[^3L
M0.X3K9TT'.O<D3U@R_;:U!)[=LK)7>I\?3VOA:W-K+NN3&#Y-\_0"%=)M\^:
MDRJ=V^U^C:8DI8K:8B4SL5X'68=;+541Y4],@5J,<3<RTAX5#;9#_GD'IB8J
M92M/:)647G^&O+4RB@><QN7(KE7J]NZ)>:ZFDW"_4*P!K%UPH=,=0='W.EVD
M#<HPN^R[),23')GZ'R8[B&%,?98CH:+NFM4I(>3//)"D7CG'^VHT53>B0>?#
M[,'K92PU76V.3!ZV"YBNOS:V8%$:=,H(VGBTB9`=Z"_"<@,NMK2ZC2\)NFM?
M%DG^$T>KAF2'.J-7WKO4;3?.K\^W:K':VA>^PW:IV:KF+'8CK:K$8^BRP+5-
MC$']QIZT-3'7FV%O:1@K/B@_!O)U"Y7Y#J'DJTA*W;:7'YX5I_0`T<>_%JEG
MF79TJ7Z-J`-=>5,@!#=BL4]V,WMS[\=EU&M+TM.E86;JW59WGGD7S]RXY"M-
M1I$W5LA6Y=]_EUFO/0KW;9]R<YU*Y(JQFK->;78C9XEKFTQ8=*IK[Z6X6FTI
MTG;36T$F9E%2W@[RB:D5!Z=RI*6:.,YZ(!BX%UZ()`R(?)+2[=>6*LU>%6V$
M$NTWG%J?=F@Y)J//D#'G5[CK1I6]87=*\+SQKE_3)SA&_4L/;)#W/+_RB2@R
MA^5"E\ZZDY67>@5.:-4_H=-&6A=.&_D:=:6YK45.D*1I2]*)68Z(!SWR;P/E
M\L.3J=*F;.@KL]T2!:;1=;]?+@NWN<Z*\C8*$[A>K18[,=;&<S-R@L&+.ER(
MD""[M,=II6M*T)NF7RWY&\X-3H9)OE`!,X?Z')^KX<G\DSM;'H8R(F@B?3D:
MV4VG9B6+(.MJ8WK<#2MI7IC3B$+2-T_91#`/@CR;6R,\F*Y,TF1-BLC8[$ZY
M]"+C*\#C=*JW8HM8I88M;)HBBU&+TZE##+(@,Q!&M2HVM(82TMQM1=TI<1\A
M^>2O78G=)_/]O](@7*!T:$0U;+NS78G1QU1<H+'16*!'LC7/T7YRCN?M#YG]
MK_<I(U*8[KRVM:3A-TTIX)'U?SAQOMQ.`8Z94G;!/@4GH/-MKCV6V5YDIS_J
M@^`-OE,L4.LG0\2SUP\V*B/?BD$26XTR(S)CZ:D-I=T(F8Z/JR><>)V\Z5LU
MCH(XH=.3&R!4@[/-M.3)C/+KMQ9M];<8FRPA2>7]&-B/A"$Z^S/6Y\??2VZ@
M5E\/>;.'R#`(\_SX8Z6K,3ET`'+7.-*W!A\69O<;F,;3.R?X\AJJ,=,.H:TZ
MA?WTD5ZD?=^EOZ!66!K/D;SI3M55-;YD.&-T>31Y-/908L\ABM)YF1Z.4Y[`
M#,3#<AF"&I<CK=A0-@(3J%#BD/QFVDQX\5ID;I:B^L?Z^X?;(3%&YO1.15>H
M6<%T*O7.^FKWVD->:_&Z[T\CT[I$B'2*;,8IO9X$ZS'9QL6&M<YH0)L3VI3;
M*V?KCK-1=36>K>'KOGWE?=DUYCJ04W9!M;D./,@&+U?:Y5CK3LP40=&WFJ5>
MS!:WT0&N<$BN['GHI&%O;6]?:^EQU*S,3,=%?H\4>9$G+W8%\R;D2^C!^B`;
M%`F6R\S:Y$&==)L&NK,TZI2[,]5^<O=+,QD2SSU>AC'RLI/W9*W'-J5L;II1
MV?\`LT\V;ZK+[0[S5J3?I9BVV+<B9:+K-K$2Q=`I\F@7ZP"N?2[&]SX,;O50
MEKA&9406R^33O3DE3CNON8-TTIX,6QX<\QQJ:S1F.?$T"(8OFP<03_W&Z>Y=
MJ["XZ4MI;E:JOT5VYKOU9G4!^]%61DJ`2CRF(,Q4/[FXND,I+NNZI*+\C^=`
MM3+4<;S`5&JY_F;G(#HW9.Q/K-<_DV"SVR>'+D)!EXF2G%[1="Q*>3>>65GS
MB#S\B2ZZO:L)NE):1Y[Y3SWH=PZO7`AISH-WCR1YBR6:\WR\2H(6:=DV>;6Z
MC'NMEL$"A5278I:YKHH&T/'K?TWO;.],LZ;%9F*>"%7SQMYQZ2)AAK5SYY42
M"<ZB>:>K]TO]-*//]N/2+-V$3/.4ZT@C)2H],-RE/F@<F0Z&G*0UIR+O3#.F
MQNF%TTWG-'YZJQ[I-;'5E%M+C#IZ.*0Y'A2R06F53G@AUB#]Q4,;'&TJCB1S
M,>*VS';8A(^$:5M2E$K5-<!@,!@,!@,!@,!@>,7??3OJM';+_P`_!4VK1ZUR
M[V;XUHG-_P"*]6+UP_T$3U`"-/6&L],=>I6X0BJ$F"KDR<XRHDIJ-'_%;AS7
M?H<6;B(I7V2D'0/[9:US-NOC[=S>JA+B*&WXUV2HF>Z5H*0`C^<=_M?G@Y!X
M>DG68\_T!:B5DH)PJ-&M1`"GQ,%O3SD:=,CPU"+*KWXAZ<L]JZX/XG7*%8[4
M*EGO4UJN/3K_`-.#;E4X%R_U1T_BD0*!!B:-&DV-@D;KS7['!5N(D8!U]J7.
M?DQD*G$F-*_+HQ?2/;?5JMVBP<JI?FJ!<!([O%.\UA;N:[6-IS1GIUYX&*]`
MC",JO-T*RSA7/0=<G.PRD_3LDFB8EO\`#&S4+<VR(MBE:^")Q?[("9:J[Z$"
MX%*E4/GG->8]*]*$YW2QL$URJ#T.VVFK$1-&"LU6?%ZQ.H<.E$C1)QR;7FGA
M"8^XFY$N1N(R79];`6SWMVFQU79WBW*^1;*"O:G./-!RGWOM)2%T(,$,]9)\
M[-.=*I8WE<Z3R>TVAH=%G!65OF&UA"[1)*WOMIC/0VQX^3;CK/I9_FW?^#\&
M9JU<_)[/$/D]7*^W_?/*[INMF*N,GTSGCJJE94=)[#(@6)TK$K6W1*I(P=(>
M3*U].])K,16)EIA6_P"P&U5OEK!>F\:MO8*YS2F\TL_7[5?^RU\=T`0UV7K]
MOY_5HHQF!S=H1?)X`;6GC1=2M@D1`ZXS474^8I;234VZZZ,MT?WG:7J)V-VQ
M\>L_/*1NE^W&N<=!H'8`+W2C17QO<C%&N,YD20Y[,#\]7;&Q4@A79SSIM32H
M^T3H;.U,[=$6Q7KKI]JI:]Z2M7)NT^B.M=\9O4$`"]9=HJ0YBB]O,W*L?[4\
M&\,V?LC-=)\MLM,#5T;$8A#'B4>.$>@3IUH+)<FS'V8"4RWM6E8B(\OQ;/\`
M8/;/5?/_`!<=U7L_&>)\\-$(UHLC'.;%ZR'0;"0J=9J8VTO!ZR^]Q]#-KZX\
MJ3(A+"0D+"QGF$N.'-,O(7AF+8F:1]SG9]S7@OT*76Z_P2$NCSNS/^>:7?#O
M5V19"Q]5)><F/0]/=(4N%0S#U?H!&$^D(2(JGR"(XCO[C0Z7&TIW0VQYJBZ-
MW[TQ?OZC8G>GZ]4ZMW'I/%N=G2::+U2Q54:/&=#>K+!*QUBZ1:*_8*J=F!#B
MW68C$9QX7(=^ADBXME$E18B(OIX59`5ZRO?*C!WCW-N+V7J=H%V+N^Y0[HWH
M=AJN40#YNY3YP*GP-=O13G!>WF@Q5SJC,41HC%FD)!1+\LA+:8DJ5$%*ZRL*
M=_8K68_1.'5N-7J),K'=P-%*UMAOLXA?<0KO1^2FNKUF=9^'Q*K,V'I^XXA(
MY\@X>_*^_(T^S">BMK=PFW2J*U/^QJZ&ZC5B!SS2L%?NP4'S5T#@//XG7Q1M
M%RA^FC-A"UT1T"U)I0^#S8I3&ZQ+*&U18]@CH$HVN(Y+F)W"PNSVZ?T).7]4
MW#FIGMTRYB:)7+S6I'`A1VK=5].#:KP.MEKW5KF0U%YU>W^*MVR3*FMU]"WH
MZ@DN<5EO)4TQ$:8=W@VUHE_D[T!(]`7V\].9D&Q%%N/F7R5T^O4LJ904'TZ9
M=I?H-RS_`(:HBU"G9$I0",T_-C)2F>U"8<_]ND)22Z*13QK+3ZQ_V'WNN7CG
MOHJ\<TDT/@ET\F76[<<!3NUAV0O2R'3O17E/G?'#G5VB0$)7N.GXD'H<>9-E
M.NGHP4(=D_$EUYB3&4:V^'C7^EL5QO\`L!L'H4Q6Z5QCD5*NEXB3+^_UR;&[
MK%<Y)3*I0>@PZ$S9*#TP-SD[*ZPKH#DAV8`80&$-J9A2FR#\!]I+3IF;:=5>
M\Q]R[L`%'-(PNP,-)\X])[,_=^F=G"">V6F!!,]L&JC\8%P^5[KW3RM%F<[C
MH-2]*')K#!<:IV/.^%;=BS;X^U8-#]Q'%M4K;?)#9GBXVY\(\_6[LUBZ8+EW
M^/U[KO-^>V(#*ET>%2H,.S56'8NE`@9LZV0'R?W>=(>CB5PXRW=TFWZT!8_L
M[LP_F<#H%\\ZP:`[=.2\&[;SU@KVF$0JPWG/;[_!YZ]9NZW0=SUR/Q\)SB45
MB$S<V-$L4-@5)TYMU+K3[30V:]7J=4C$JPU6M'YK85F8;`!R\IJMGM6JNMR"
M0^/,>0!L^APC5C#)<>W^+.U$C:EL?2[]IOZ_HT8E(<!@,!@,!@,!@,!@,!@,
M!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@:
MD67QY1[1V(SU^9<K]&6>O?%^I$:1#DUA-47T;AD9P55+.T_(J\BTLZ(UW[(\
MC"T2_!>:CH=::9D;<=6:W32C$->+:V`N\+HO-NL=7Y=;7#'1I%O(UI7.C+5]
MK'3.TVCO)2FV`?>>?6P?$@UV\70JD*0'-0C`^`2DL?EN?=^M(W>"PN9>8^?\
MHOA#H=;(6B09(P^K07HI4A`DC&V>O]UMGH.R_998%Q)&E0[G<94>%O;JOM#D
M-MK^ZZE3RB3=,Z.$KY=Y\7O3O0))*U(,N^@ZOZ24PR0'I':O52X?#X&-'Z94
M)6__`!EVFPDOO,?<^^HAO;B7TM_\G0W3]E%$O_UR<J_#CU\9T;KX2BF:Y5:=
MURB#RU-4#[A4Z/?K3T6K`KY,F4F58!;,4I<R`^8]7I@624!/_@2W'6T-*;+O
MGV,S8O"`&W6&^WRS=O[`7Z?;#'&B%;Z(N%R`>7YT-X%TTYUGF(`&&#<L&U.S
M0A5GLLUJ3(L<`S.ECW$L;?3]'U[&ZFG@N+NGG6'WV52(=IZ1?!%"JUIIEQ.\
MUK\/GVJ_?#O/+M7^ATR8;.&J,9O8!T3:*S%6M8`L)<D1OK96KX7]6B1-'G=W
MOPU;V'!7)_/P?NT0#=`O%JST3H"+]PB!R,W7N<]V-=-9>ZL+-QD=I4<I`ZP$
MTQ6Z?`C-62+.C#"$C4=C;C!N+O-N=;O"W(KI3':,4-7UD0]!]8CU/0BX=J?I
MCV+93MJZ<I+SH!]G[@@A8'DA=_;^(K24:?U)WK:MF-T_+V,A9O$7%KG/L<BV
M:LYX9;NI]1ZM9JY,*Q6PIDEU_P`]S_--RKDE,,;&(MU>1SLF\IEIJ0W+:(*^
M[^1M&M-8-TJN/?U[1K2(@#['ZI]-%BL'FG1.$;NCTWC#=VF<"Z;"J$>P\QEG
M6N-HTJ7J;1A\QNT(:1;-R=.[<(K2Y]*2[O9"YQ'D'F@5ZOOQ2UQ6NM]Z#>B(
M6GB0O:';L$XNQPN,/DI;"M_56G:A'T\Y'1]#VY^]N:>2W\-:)NG['R$\E5$;
MY<A^2RMWOUFYX)!#*@#-E'JG$N8FEULK`FT^M((@ZH*$36ZR,$Q1[<N1!=FR
MH[/W)+KLA:WMBNM?%^L^0.9L=#L?2T%KEL]9W.Y.D(RB8S8MM7?P''ZY<_Q6
M-!=2&]08/$Q2AWU.K^RZ])VY][3C:6ANFE%05W^N;FM6+5907JW:8E*JMEYO
M?F^:I*T/^,G.C\RX@$\]!KE8BFN?ZNI%4WFU;@(D"TE6@R2<9,UF(R]A9OF>
MJ4&O`W)"U7IM>C6KI@$ASCDG!^4<[N00X!8M5,5YPL<JT\POXF1+K$T4_=HA
M28XB?^7$DB"4)UV)(@KCO/-K&Z7&7\."31\+T61W7LS/;0MCJ-K8[)%C<B38
M'3=8YYT#E$U]=2>Y8_S-MFRT+I9.'(;0$3^,YIA^)MAYI2G!N\*11:W`/,%#
M\YP&A].-70^AOF7,^4N2[N8AG2,RO<KG=`GU^>1FL"AKDVP$'NCSOW"2O7TR
M?H:WI"%:7M9)NF>K7*%_6CR]J*P,)=@[\9"U/GF^7<6$2K138T?@E3'=0YMV
M*EKYR^.H42=/L?.[UR<$L21L3IQ_8\>S"F:EL)4E9=T^Q;,CR41D6/G71M>C
M.U1.R4<0<J!KJ@\=Q>(3Z5SBPV@?;)G.;M4$<E5SG8`82&-_M4H<(@&1>EO[
M9F_5*E;>%?"FB%2OZ^N?3QW,:C.ZAUF7R_D?\J*4OFCJ^;I%PKM;`_2Z]-O#
MMJ:YTWT-9%D-U8DTF"DN@2\MJ,IZ*ZE#J'ANGZ99,3X*YV%M8$I"Z+UC5"$6
MKF72B7&G"E15SZU=;Y!1JO0*'TD^_JF)NO[E`%TD-.DC89>(#FFA4:<[#4[I
M[[XW2S<?QC7:X*I;'-NK=0YO8J!Y_I/FVN6\4SS:S$-<[I):"59T5#7[GMKJ
MA4L=U!U'GNN0--J95O[+;*_A>AN\_-:/GGS[7/-=$'\SI-KO1RC``]2`5`!<
MB@@I'IPBIU(/5_P0#HT$&?:8/RA3A:<EY3R-$IK_`.,F/%^S%9),UU7UA#`8
M#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8
M#`8#`8#`8#`8#`Q$*P`2)4R"'FQ$\W7-C]6$-")0I14#LO%W-%:,CV'ERQ>R
M<).WH_WT-_>:U]:/J3^N`!V`#9QR#%:-B+")<DSX;90&2A%ARY@J?)%%(B)L
M!Z1&5)&DX;T:0WI7U,OM+;7K2TJUH,O@1X_;*S5=AM64\*!?R$OH`#V5FL04
ME36Q90W^V0E2%H2_,T("RY.T:W\Z8C.+W_BC>]!$@G:.46:Z0N>5KH%8L=Q(
M\_%]6A!J^39-*?YP=EZA`+DF:,W*&I!6&1]7[>\I[6IZ&W'(_P!Q#;BDEI-*
M^"46ZZ4Z@!'[+>[96:37(ST:/)/VX\+K82/(F/)CQ&'RIF5"@M/2I"](;2IS
M2EKWI*=;WOXPE*]'7JU_H=Y2XJE7:HW!+0P,:=55K(&L"6PUB3-77RSFQ,V7
MI`PZ@;(W#?W\-2M1W-MJ5]"O@4IU2[`8&'_D(#]__BG[X'_E.@^K#_&OW.%^
M_P#[!N;L;HY^S_?_`'']GV1U^/\`D_;^S][_``^KZOTP.-RS5YJRQ*:X9'(M
M<\&0LT*O*E-:+RJ\)GC!1,RQ"VK[[@Z`2-1&'7=:^A#LEM.]_*M8''5[76KL
M#B66H'1=DK\]V>S",AIC,\=*>%D98DBVQ*CJ6TXN$3@O,.ZUO_!UI2=_KK>#
MHD&`P.O+EQ8$63.G28\*#"CO2YDR6\W&BQ(L9M3TB3)D/*0RQ'891M:UKWI*
M4ZWO>]:U@<`HJ+.BQIP&2@&0IF!#*B"XJ9'(BRHLC';ECR0TA$<>B3H$Z(\A
MUEYI:FW6U:4G>];UO`X#1X'6X2"5B,B0(YP@)$HGFB,,7"64/E(8,$-1*G/,
M,*(&C9&/#B,Z5]R3*?;:;TIQ:4["!U#MW([]9K)3*;T2JV&UU(Y9*V>`#BL=
MPG$-TUX1%N,%B,O:%DUU&>>AQ"JXOWVQTV0B-(4V_O[>%I/5:6$,!@8.)9J_
M/L!JJ0C(Z59:Y`"%3P-B4TX4$#;*LNT`G$(:5;>C1C#@&:F.M6M:=W%=^GY^
MC?P/:^6K177[/.I;)L:Y;1@$5:"%<1+:48A5TZ0,B0QN3!TK[[0TF3KLYAAW
M>M(<=B.IUO>T*^![7W9+(`I]?-6NU&!]?K5<&331XZ6E-0A8@2.87*GD2$Q]
M2&8L.'&:4MQQ6])2E.][P,W@,!@,!@,!@,!@8DD?!!I02"7-"14VRDUA*Y#)
M$8<&58#+8PB;<$!(\IYITJ30&#RY>X[&G'=18KSOT_0VM20RV!B3!\%76(DJ
MP&A(.-/+"`,"08(PQC$TZ?(1Q`$+$=FO,-R2QLK+:BQ(R-J>DR'4-MI4M6D[
M#+8&`EVJMP+*$ITTX,BVNRBK`<K]>?ELMES`>J/@8ME)CH*E:?E0@<FT#D2G
M$ZVEE4UG2MZ^XGY#/X#`8&#<LU?9LD*G.F1S=J(@R=F@UY<II):77PT\2++&
M8\+:OONCAQ$]"8>=UKZ$.RFD[W\KU\A%T]<Y@NTQ*0B^U55PG6LO1H=:29A*
M-2;A7Z9#Z(<K;(_3NY*RXFBD&"TAG2?J:@OMNJ^$K3O9:2DQRT5VM+!MV`V-
M#.68]$J]?01EM15&;%/CS)<((.TZI.Y1*5&'ON(:1\K4EI6]:_3>$9[`8#`8
M#`8#`8&)6?!-'8U7<-"6[--$SC\.NK(PT'98(7,'#B9J,(4]H@^)'$"\1A^2
MAO;++TIE"U:4XC2@RV`P,23/@@L@+$,FA(F59"V@-=C$R,.!(/'-C21G04*S
M*>:<*%MB`\N5^,QIQ[\:*\[]/T-+4D.!FSUZ192%-8-#7;6)!![.3KK<MI1>
M!7K"0.B@9J5!TK[[(TL2K!%AAU6M(<=A/)3O>VU?`<O\A`?O^ZI^^!_Y3H/J
MP[K7[G"_?]`%35#4G-A_O_N.@ZB*=Q]2?M_9V]K:/J^K],#,8#`8'5G3H0N%
M,)DYD4<-'19$X@0G2&8D*#"B,KD2YDR7(6VQ%BQ6&U+<<6I*$(3O>]ZUK>\#
MX&$QIH:/,!R$(L(+0HA,45&2V)XTF-GL-RH)`?.BN.Q9D*9%=2XTZVI3;C:M
M*3O>MZW@=W`@MHZ;SRE3FAENNE<K9%X:T8:A&"L2!)<%/V0!3F2"&GW$+5$=
MM5I&CTK^/IW+G,M_^YQ.MEI*=80P&`P&`P&`P&`P&!X(],O17SK[%]O]HIBD
MMV?NMOY[Y%#Q6DH4DCZ`*>4^%V?R*Y/9U\[<;5:K#:1BUJU_CHHSK>_C2=;.
M2-;8CR4*WU0IXZ\FS^/\#OMVJ!_S'(]S]4TN)9>'U'F1>K<_]A]AHP$CTAWJ
ME8L=LZ$0LEJK,J.\`JRX<F3LBXJ3,C3)`M:B_FNK/C3[FQU_[[Z7J,7KO3QO
M?K83_-[-_8MQJJ<Y?JG-ET^F`N#\,[MTGEA2OHBTU-J)7>N6[ED;ZI4\A,8F
M09;L9^*O[;3B12-/FA+K=WTAU#NG/:\UT(!=`5$/^/+;$A"'ZV3B!;ITOS;[
M</6:5+?%,N:>=L@P$(E:C/K<8U&TVMIM+;ROK)2D?7^#4@-U'M='^OI-*Z/?
M9%B]"T+^K.B6Z*`D\(I@FCBNH<CZ&=+3>:.W"FB.?4,R?-5MD"'<*NR($-ZQ
MK;BQURMCVVHNDZ3[6Y_;4]WMOCOR'#ZEN@&^X3/9/&Q'WK\NM7:H&$#.PVP9
M2)O0M<L<AU0O89]'@P'C38+;$%LZIY+"6VD:0FI%-TTZ4+E;.XL=^#<&$]-"
M\:D'>D>5N?78QQ&@T.`XR!/>=?7-\N`&CR+M6K+.&CR=BYV.6.>(I(2!+;3G
MXVD;==^LFFVOR\%!&/;7:$4;DQ,;U:]3.B<I*<UA=7G3B?`*;RV[5^[>R;QY
MRK4RV5DS3Y'0.AWWH]=YL29D0ZDL&.%3E(>CK;E.HCHDM;8^C^#*VCU)Z9Y7
M0R'5U=W.6V3T6M?V#HT(M-.Y[)I''!WG7TT)Y[0NAUL17:F&L!'_`&JYF5G3
MCJ"9&?'-(@_=D(:^WKX)2)FGS+HZ=UDAPZWOU*)Z`ZCUZ#9>#TP95.HB?^VR
M5V`KT;KOI6I\]J(T?T>3SFO\RKU9>=L"&/O$(:APV-*5)0T_,3%TJD176GB[
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M@C/)%><#O0@DL]Q2N\A(@^]=S5SH.++AKI62_6>FV.W#`9:"S%KTP9'%+0PZ
MB1N:YIO42V(F-4Z]1]<Z5RGT:"=L5W-1N)7/F\B@<SK-'F<QFCXOH,M5^NEY
M#7H*DVBO$>BG:;:P0@:NN$`$O4`9/$2DE8R8LA4G=(B)CVM4Z!Z*Z\7UR2TO
M^F%4J;`]!^"O/T;@(^N\DA5>^<ZZUPC@/2+F92$_B*;;#L5R*W\W(A31,R(.
M'APBHD:,C[4IW"TCR\)8.A]Z]$QN:<$+7KNI;JTWO_&O#?:SJ;E1^4(&5"U7
MCV?YXYK98_/Q@6E#HP\,8IO1G6-:G?N4J*0B,3X;\:5M:MQ9MBNGG^")ANH=
M.\R\D9?J?6399<N3_9[8)W0>EU[G=L)<P8&_V4\4Y(:Z@W)'TROJ_8.;5.['
MK<5A.[_;9D]+CLY"H<>.S&%(F=?9]R]/4/H"X<)_9:OR;TIV#HM@XX!Y?TVZ
MW.\W;RW`HEDK78^USZ57`UQ91S019^I$S.JP5$1!M39#_MS*XZW9GY\F%O*D
M1768^]`.UW_T#)YKUJ06],=(D".Q5O\`M>IC0`6+YG7XW-POF*X=,C\FE<_,
M#:,BQ1;&.KU-V,*SITN=LA'G..:0Q(8C/-18B/+I3[6XU[M-P`@?!_&AOHBZ
M4JJ=8@67=T]`[E<RG7VR/4'CTR\5NI,V@_22/.X4^USFW2,F0T'T[*&5^0PU
M]&G7G-5GSFC1?B_=NH7]?"RI;OCE8-^I*;XKJ75_159$T4.4FB9%)][7L>4J
M#!L(7H=3)=9L_/A(>$]L>^TRT54U$1^6Y&<2:F(UTZ5_!$GN[=)?+]W[5%]:
M?L_2N'^1K#/H3\$7RIJ'ZMA\&]E>Q^>\O/VX7,K<QHQ7NE#JV/&2V*GH0F:3
ML6I,%QK:A[:(4C2*=9^K2$Q]`^GKO=CG?:X*NMYF\=Z=P?\`L#K#M1Z-8N);
M:B67S2%57"DSG?/J561_5:6"JEP'$1KTVS$Y3Q=F4AY^,RIR$I*4B*17QT^U
MN-[;ZST"L=G>IX#T]-\[5^M^*O0/H:`P/'<SD.VKH7*;9SY@!.+O]"J]D=GT
MJN03C^C(J#^*Z19F-:V^SIOY54MB)CI75JX=]*^JS05T\Y?NA"9G5_8M/\]N
MT>IRN#4"1Q>L(\CC^[DJQ2[=UVM_LD;H-PZK(_953K+*(N?@NH@#HJ"*V7EQ
M8B.GL_%^77U)[&X)4M]![?:7SMS)>4KDWQBJ<SL'$[3SPEZ(Y]Q'J/2["CO%
M5KPE5SF&[-7J&FRCBU:)(IS*&'![J(.ULK(4B(GIYI;SNY>O;?=>*<DMO?NC
MTRA]:ZO=]U_H0NS>4^B=DLM`&>7I'0)0R19N:TBS<I`CT=/BM&`\AD:L@L+,
MW$5M4?[#VA.VE:?>PU']9]WO?*>K]H-=J)#>D^>_%7+.S4#A%?%<[#U[T!:[
MAYJ,]%+],NHLA62%PL=;L?38TL-!&ULB&BCWZY):2I;SR](A-L1-/"96USKM
M_K"A>0_8W7+2=>OCM#Y2KIW`K3<[5PGI5H>EO<HDV&QD[`WYS:A4>90(%@C-
MFPT;:=37ALMV-]U<=J,O*DQ;NB%?'>O]1"]OJ?FH9[ELIKFEDZYP*!.]"NL<
M&D7G6NN^<_8-Z/<:&V<?0F.<1YQTUQ:K6`*_H0LG!B'],-K=8>@ZT6D4K37_
M`$*WYIZJ]I]6Z;1ZG4[A-LB.>1.3SH%D9L?G>BT3OU"*>M^V<@NO4^@A+4._
MF-HB7GCG+X6PB:#J!$AV*=N2A+B)4*,V68MB-?EHQ'0?7';*CYC'72/Z'ZR<
M[:QQWO/K&80DSO,O,^3@J30K;*I='KM@:M_.))RZ@H4\)'B.@0N]ERLB?+>E
MD83D@2A$(MBOLZ++D7&^<MO?I:Q"NP6ZSD)WN/MK<*OWS5#L\+GT.O?U;WGM
M%<U2([U/C&:FVQ9X4%#:DR%;=&C&V5;5J017-)U^K\78%]E]"AG>3<KM/J:[
MO0>\@_"5FN?:2U=Y`(LW-)W?:CZC*WP9S]R'0(E-K87HEJX2`"!&RL`J\*E'
M'TQWW9#L;[3H4CK3I7\%]TSL=^,>5>6VHIU4=V$N[_8&,Y`WU";6:$\Q<*$`
M]]%>0!Y3`\0#;J<<KND!V(Z20V,PZF8WN7%6T[M"DU*:_1^#&^$>I]TM5CX1
M*ZAW&S=5C^AO)E_[:<$'J[SX**IMKI/4N958&F@(IU5`SX0E^L='<CD&R$@E
MN7)@L2DJ96MY+D@NB*:>$M-Z/3^BN$^8K`^K>V0[978W]T-B_FDR1R>UW06O
MGOJCFPH-44.F><RA`^NRB`F&5(17X#DAU?U1F'8D!U,="&IIKI'@O/SWZ7]>
M]Q]&58G%GN-4<';.-5GH51=MG"P?-Y',^@^/J+V`O:!U)GM/^@B'22G3[MN>
M(G1)6@NP@]<+3*_M37]U)BV(^7F^^S^S>Q\-[Y<`5HZ6PUS+RUUHMV3T.B77
MJ^EPMY*[E&YW4>*CW)_[:R^,C46]=(LLAN8PIF5+:YTXB0\\E;_UB+8F/;/W
MNA3.\^DA[T&R=+]$SH'5N=]X\1<2(>;E!>9Q`W2@WI"M<$L73C)89NL(OLBQ
M1I/9+)^RS1<^'!&1J'\.,/);+*>$Q'A&FJL1_7^SB^<>;>V6/O9@CT[L_E^#
M(L?8#P#G4"-R6L]P];>).;VX[4P4"LCJE#$<XI]CE$(;YB.20@AK<N>MZ/\`
M4PF+2*S%-*_A*Z>=<\LLR@^X[=Q[K`'J7H?E'JJ]4[DW=+X6HPHV.;M/'/(@
M_H=2W8(-8=Y=!Z5/K==U6X)B97Y$:,89CN2XRTJFM/5)GI7I,?TK:,]@K-\\
M_>)^HQC71#`@/ZD@0[$1Z<FJD^D(,\J&=SJU^@GWN:1M4RR&`U@J)"*W*`)?
M'E$,(>AN/MNH<7$I29CV-2Z;Z@[]T`NFG5;OW3:U7>L'_"ESJ=GM13S'?^NU
MR@>F.A=C"V1R-`YYSY=!HC5TI5.'K%BB4<X^$FM./M2'D*4QE:I$=?:X>G^M
M_0G.Z_/[!6O1<^P7>=/_`+)A4OS&:#<OG!:NQY1KO7QG+YL>+%JXN_0)-4_A
M8DQ8W)Y-3!J262Y_TL1<9K2I2.E--/M2Z=V?UKS:AL]-ZKU"]H\X<[Z;)N5L
M*!.G^1;3Z<,\?<YQSTVDW*ETNJR>5W+G]7OLDM+FA`K,"W$`1H>B`Y)5&;B3
MB4CI'7Z4]JO0>F>>_'?]D_7*?TJ[=2Z#0?0'JN;5HO0R=0/Q>=J!W@G%@SH4
M2.#KD6`$!BYFBKL8H\J"EB&G?RQ%^OY$Q$W1'A1C*/TGTJ7OO-^%=?\`0=WX
MASGH%D[59Z)UF3<_+MS[==1M`YYP0T`Y`<OM.I1KBP<E-L%^MUDCIBATFI]7
M!1FOE++4QYX4BE8BL_2K[H'JKT#7:!:>JUWT;-DWV]:_LAJ$[BTL%S,F%X-%
M\OTKNY/EO00(B-5XMO8+TLQS"NM'W#DZ<,./VS6]LLH=&MMPB(K3YEHSNH=N
M`]U1Y1L?J:_0JD?[7SV`1[N2&\=#]-#P+=Y:Z7V!?-`!/_;MKGX=FU]`H"7A
M[LD-*GL#4S![#RE*C.L4I%-T0IL;Z']5=(IDF_#_`%)9:Q_!@WC.MAI%3HO'
MY%7ZIKM_N[N/ENP]K,PSM)-[D-]&X]4!9P-$&R(0B(6>1,8;=C;3&W%I;Y>?
MW.;HGJGT!S.N6^.*OS]OM7.W_3O'(72+('Y!!OB*S7O=?DKBXN_F[47KU;HH
MLU0.:=3(NOR)K<*L.RX4<@7BN)86K52(B?E[)6G7^O>K>;%^'63T3?[?#X@+
MZ\8Y^1CU._\`FNS]E(R+]UBB4W@Q3OT6L5V2%O%(W.LTJLEFZ(H>;AN:8(RX
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MZ;SB^HYQ,L%*\B@X]M&U"C';.":ZU[MI'([I)&R[2`*[D;GT8Y*BQXTK;\"/
M+<3)2QMY/SLS;$4K/RT:BV_IO:ZM?H]T5WCI]TMGF:D_VDAJ+6B#]"APNW3>
M"_[16;G`/IH$%21>K=8'V#:1\EP1H7+D1Q[3C>F7ES')!JD4IYT6!Q+HWL.X
M'^!U*W=SN`>A=A[35)PF^HL'EGH?1;C4/^U?M'6;W5X\[E%8-\^K%"L%VHH0
M@#?U%V:9&3IL9J1ME$9YHDQ;29^75'>?^H>S4_F-"Z)UGT)U2ZM>A?.-[M:H
M5<`<%`$J/TQ'I[AO"N4,<GFV"H"Z?5X<UCM[0\O/MD@H+;7&:)O[9^A]#L)B
M*Z1T5]5>G]?O]_Y^2O/>;RR3XN=_L,YQ&!MW+C=P"WM'-N=\CMP2N=3G5SGD
M&G='/`WK/*&3-CX@]S\:!]MU'Y2)K[]6D1TCK1;7.O1_8IK=+O:^\N03-;[E
MXE\]B?,D`%S`?5NA<\[=Q7SY9+K<%A8=6:O+5IE;ZC8+*+G"I\,0-&U;4;4/
M<=DC]PDQ'EYL!SSTSVZH<LYH5ZEZ%ZUT<GZ8\B>=^D#Y5=!\"JEDJO;^P=8H
M_-`XSF9,W2QU"IM0LO\`.V(DZ59$EFX'XWYL97YCGV7HLQ%=(C25;;ZA<.IU
MP,8Z98_Y58JFWUCE<D\X=J%B)SPG,/[/O+51#-F;-1`M<IUAL0L7#:@S9X\?
M#9E2H^W%,I>4Y\TI33Y=)>BGB_M?8.M=7ZI0;S<G#C/E4+,XAU%7["*&;N/<
MI'4;Q*&VN:Y$&1/PY:N!5FI'DQHFV(>V[O\`5MK>TM;08NB(CYWI1ADP&`P&
M`P&`P&`P([(I]2ER9$V55Z[)F2S8JS2I<@(,>DR;("C1(0.P2'W(RG7C8:'`
M8:B2U;V_':9;2VM*4)UH(G8>)\9MSH9^U\DYC9WZZ0L1>OO6&A54TZ"*V^2[
M,MA,,X2%25C"%HEOK=(O,;0Y-<6I3VUJWO>%K*6-T^I-.-.M5:NMNL&"UA8<
M;"#$.,GS\:;".G&EIBZ4V8-0R4EJ7)UO3TEJ0XEQ2DK5K9$3J7$^,T&&D=1.
M2<QI0]$YLFB#4J%5:Y#229;+,LD$Q@XJ&RF<TT>G)2[I/W$IFOZUOX><^HM9
MGJR9'EO,BX`M5"W.J(4JQ\*)KAVM$:C7YH`U7@#6V`0$L&DCW1Q(*%85M$2*
M\VMB,G?PVE.L)67=%<_H8*OUVI!*340]5J#T"34JR*K88?7ZO(%.*=%OUT-$
MA,C@CPUU:E1U1FVE,JWO:-ZWO!67:>K=0>)N6"0!K;IF)+ASGC;PL8X3C3Q0
MTC`'S'"2V-RV98T.=ELLN;7I;,:8\A.](=7I01$AQ#BADG7SQ7D/+2IFJH(I
MJIDA0*G.)UMLR1<,EDU\C)$NRPZ"I=Y4N1J,MO3\E6W5_4O>U86LI8W2Z<S^
M)]FIUEK]O3840/M@1:/PDVZ5N=:TQ/IBZ_&39YJMO$=(^G\UW?UO?6K]<)64
M$@>>^`AZD2H8OA_'A=$+09XTO3('-*7!J1,83(-ERD`E78X5H/,@D"C")4AI
MUE3;TA&G%ZVO6E86LIC5Z'0:A&'-4NF4^KPQ\&5!$MU>NA0D:",)O0IDZ&.0
M)AQFHT$A('QW76VOI;=6PVI6M[0G>B/F9SGGI`4H#/HE-G`UB+#7UAIE7"21
M2P-N>9D6L(H<]!7#4(L\B,VLC&VC[,U;:5/)7M.MZ+64*B^>//$?^)MP>&<8
M8_VX*_NU&1%YE1VOX&<W'%(_<ZFED(G^+E=Q1$'7WH?V'OMQ6-?/PVW\"L^:
M26KE/*+B?#W.[<VYY:K15HDB-7[7:J=6SA^N07W4RI;`<Z7'2B(B(\^TEQQ+
M#K:%+3I6]?.OG!68Z.0CRGEAFZ1.EEN;4`KT2"%DUR!?R-.KLZZ0Z[-9F,2P
M,2U21SIR.%EL$9"'(J'],.(?<TI.]+5\DK/3P:P7/QJ&Z)WGGW8"MHJ#-,YL
M2HYRF4VO<9YZ+N,-?/8VI%3J_P#O;';<M^N7#[3I!K0*,S'TN:TAK<G\+[D5
MPU%U(IXML$\_H:&!D5%)J*(P2`*%!HZ:V&2P(%@2H\Z#&C&=0M-P(`8V)B3(
MC+6D-QY49IUO27&T*T9<Z:33$:TE%1K"$ZC6>%K20`I.M0[L1;,7.)K6HFM?
MC6TNTF43;_\`9/DITZ_IQ>M*P*YA>9_.`V/6(8[S]Q*!$I.S"J9%A<IHD6/4
M=V*2F98-UAA@"VT`V<F(2[,_$TU^2YK2G/J5KYPM9\Y60NF4]Q+*%U2M+1'=
ML3T=*P0M26'K>])D6UUE.XN]-.VA^:\LBI/QN:MU>WOKVI6]D:_]I\T0+_R>
MK\@YF[RSE5/JI.!)'U4MP#G74N=11PN/+T*A"><6!`JN@9@(F^W.'R8ND:C2
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MV&J`30"T$T_@[21L0<E`DCC<Y.Q<;X>DMNN:_':_7_EH^"5EA@G$.+5JQP;A
M7.0\OK]M%U>)1QEI"4"J"K&.I<",U"@U"";@"6"<2KPH;"&6A[;J8C;2$I2W
MI.M:PM9Z>#GIG&N0<X8CQ>><IYM0XT0P2L,6/3*-6*NQ&/F8"!1@Y'9!BX+;
M)@L+:3&DR4ZT\_'3IM:E(UK6"9F>K\?Y#Q^<;IA^3R_FLRR<PC+A\]-/TJKR
M#?/(<EC;"XE,(N#%SZE&D1O\-MP5QTK;_3XWK!67=H_*^7\Q&%0O-N;T+GH8
MZ1DES8FCT^O5,88+3&6X\LH5@`1T"*0(RH[2$./O(6ZM"=)4K>M:U@F9GJI"
MY^,^`VP?RNL1.9<VK/.>;=7,=:(<N"\SH[7/;X9-\LZ'R^;&M53_`&9`*5]R
M-?\`\Y4C<=;ZI(]C6]_&OG1=TKC(\:Y`8ET(@7Y3S8I/Y7J+KF$XC1JO.E\X
MU!3#1"U0I,D6Z]3]0TCX^FOV]4?[>F&_I^/H3\$K+CL'%.-6QBLQK5R3F5EC
M4MT@_3H]@H55,L5-XNCZ"SU9:(BI+8%TFC])"HNFMO:_1?U8*R[J.7\KD&R]
MN;YWS]^QV5F"R>LZ*E7'#9^.*!%:L,:+FM#U3RK(ZLG)PUA+SKB68,Q^.CX:
M=<0H5GH@/;>&Q>G\[+4>KKYY3WS,6L!"3]KXY3NKU0S3ZK-DSAE*L5%L2AH\
MO6X3\QUR&QJ0Q^`^O;C&T[4O2A$TFKGX;P"I\3Y%5>3-+9N,6O'#-REF#8"N
M#TD+W9+P7Z29LHZM@QD"MU5MBZG'Y(J$/CLL!V$,,Q_C3"%8)FLU6H'J]1$Z
M%/`*[7!F@PJ4`".AQ`R'H4#E2HDJ:%%+A1V]014B:.8<=C,[0RMUAM2D[4A.
M]$8<9R[F04H=.!N=402:M,TV3LQ<94:_`*6(E98XN)8R!TA%'M2R\T_%!PFI
MKLA;CDIN&PEW:M--Z26LNKKC_)4VZO=`3R[G2;Y4@B*U5;MJDUK5NK-<:C2(
M;5?KUDT,_>0H1N',=:3$C/-L:;=6G2?I4K6Q6>G@S)BAT:PJ/J/TRIG%6P,/
MKMI48KH<FJRU\2^0E"P1_<V&_LR&&RB\MR/%D_<89<E.J0G6W%[41TY_,N;%
M+P'Z<3Y]1R/2:Z.?#U_H4^I@9EX!"96I29(L/;)$!P\,'2$SGM.,,2$-+T\O
MY3OZU?(K/3P<TCG?/9`;^/RJ+37Z^FL$*5^R2*P$=#:IA5,;16I?MKD%4+58
M))ALZD0/H_$>TTCZT;^E/P-49%<DX9,YN_SP)S'D\KD-ACL;E4852Z>_S<Y$
M:1!;C;?K,0:JL$X[;8N,E'U,+3I,9K6OT;1\%K-:^*8C:33`P6N5L/4:P*KM
M.W!W40(T`*@A:ML9'=B#=UP7%B-00>Q\1];3'XK;7VFUJ2GXUO>L)5&*OQ+C
M-(2^FE\CYC4$R2[%@DIJ]"JH!,@]%G2"<8V_H4)B:=+QR4MV0B2KY>0^ZMS2
MM*5O>RUEKP"\=0FO3DSTG<+96K&1A/7!^IA`/'*'1#6G+>(_BR7.F]#"H?M'
M65U.E./APZ9GXC#$64ZN0W*D:9=9+NTHN2'YC\V#H8$</\]\.@#ZM9WKM6($
M/DU"BPZY<Y.H.I%N`Q6`"&!%G?T+C:7/CI;EK_':^7-_;1\$K/G*PA]&H0,G
M:R@JGU`.8Z-*8E7@B/KX8>3O<Z$+T+C2+7+C1&95HE1`K/XR%S%/K;BH^WK>
MF]?&$K*#:\W>=]41?+M<$XOKF3AO5F<YUKEM'U1'+)KZ?BP+J/[%_'U&]?0G
M_J]Q_O\`Z:_S_3"UFM:ZI"UQWD;%@M5L9Y9SAFU7L(FLW>S-4BLMV"Y5Q,9B
M&FOVHR@9HC80B8<5IK426X\QIMM*?I^E.M:%9Z>#LVOE'+;X,.A;SS:@W,-:
M%"%683:Z=7;$,L2J_O6P*CL`N.F12Z@F]?\`2;D(<_&_^[^G"5F&411*0W&3
M#;IM51$1#JPY$5%>$)C('T::HG2H*6$P]-)AT\BO<@6UK7T#W][6QIM6_G!6
M7&]S^AR4%&I%)J+[9R)9!YIMZMAG4&(%R>C2;?"*(7"4DA$M4B$RX2;=^M$Y
M;*%/:7M*=Z%95C*\M><W1`4..XARFM)J@JR":(3JG/*=7#?-VK8B9H]+YP6%
MA(\NCDITB<[(6^-5'<5)5]U6]K_7"UE.*MRCGE/Y]SWEH>J!UT;E@BDA:&#)
MP8Y>/78W.8@Z)294'9%J0IHI7$B8[D67KXD,O-)<2O2]:5A*SU9Z+2J=!>7)
M@U*LPY"[-,NJY$4"*CO+N)&`^*(6U;K,5"U6:<+E.1GI^]_E.QW%-J7M"MZV
M*L`%X_R6MAB%<KO+N=`*\6:>8*@@M)K0L,38D&"=BD,D!<$8Q!F-/V`U,G+2
MXA6E3);SV_EQU:E%K*3$*I5R\U!,M6P!,DVD6AL@0#CILU"`9AFQ!$HER8[K
MZ4A[!';G1=:5\1YC:7F_I<3I6B,/.YGS@I/"E27/Z01*5NT2[Q724ZJ`9<\#
M="$5Z#/MX69(@.2!=HFPI#C+Q!A3<MUIQ2%.;2K>MBLL=3N-\AYVE2.?\JYO
M1D+/S+8M%.HU8K*5VD@,D!9]E4D*+A:4?G!YCL1Z9O\`ZAV,ZMI2]H4I.RUF
M>KOSN8\U)A%UHESRC$*XY7BM1<K\ZI@)81=4.OQ)1RL+%/CW("J\9DP&')<+
M;?XTAQEM3B%;0G>A66%8X9Q.**K@*+Q[ED8'3C*;'40S'/JDR*JUA0+6#0=K
M@YL0F($,I"N*AZE1D-/ZBJVU]7V]_3@K+(HY)RENV@[^WS+GJ+W6`":I6KJB
MEUM-MKU72P]%36P=CT-T8$@$QI+C>H<=YN/I#BD_1\*WK8K/3P?9;E'+3P%R
MJG.:T`U6'JRS2WJX6IU=(@7:='>CR6*FX'F#GAZZRS(B-.(@;;W%2MI"M(UM
M.MZ%9?0SE?,`HV(&#<XH0D./8W%@"AE/KT`;!B[)#36XT2#%'-18S&S`>)+^
MA"4I_)BLN_'UM(4DE90SB'&E<BC])G%+2[=[IUOJ)[JEZM;@(=6D3RT\17ZA
M7AD(,-<D-Q!U4Y]30PAG;C[[\C4';[B_N/*UHLS7YEX80P&`P&`P&`P&`P/)
M_N_LCT#S:\=>$@Q]">JP_P!,\D\K\N0'Y'U;K-^@&[WPNA][N'2[74J+:HI.
M[PJU7"):`+KX:+"=F2]QWY1"-':>TLW%L3'MI5P<X]A^G;['M)>PU*E<HA^;
M.*B^P>A*M;>6]&C]"ZDDA:NVCQD#F-6L-VJ93C`2U4;BJC<&186+%.9D'&(;
MD97X,AV2)MB/;5'_`/O+]3@R/*>9VA7!9?2?3U0X%=.46L#4+JU2>3-]5L\\
M??:_>`$OI$HGT[^%5V,V\`(1"5:U82"ELOQH+:-*4-L==:0C17VS[&9%=-1'
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M>P<O\Y2YOG0CT.XN^7I`CH,2D]$12ZUSWLU&](/V`/+J&^E/E[-;Z.>\Y._M
MI#1<;#.0B2/O183C+BE"ELZZT1.T_P!AW;X1:\L<ZWS/H]>LM=`6?A=],<2[
M-R_G;K4WU3P[S].B-V2P74B[W*N_L/:F"'[\!9"Q?S(>UL-R84V*M$6+8\4T
M,>D?5MS)W_S@'(\$C=-HP_U1,N?3"U`OS5&N51XW7>!R*T(`42+TU1>E6&VO
M^CH,<I.>/&6!;0=]]F+(W,9:CU*1UUIHSO@WO%_DO<9XET:0#H57_P"UKA\_
M@E:G\]M3I3M]>&\'XZ:MO1:UW%5MW1",^I6<\3$E*8D(T<@Q(L4HMY<63I6"
MZ.LQYNO;/[`[]SKKXVDW>MT>%3N=]<[M6?2AUMDXR4IO-],CIOD^T@$.%W(4
M>=TMFWAF"BI>GF7'T2MQ4L_XI2(MB8K\O:J+S]V7TM6^DWRXW>)R2+6NU^LO
M/=`ZMSR-7+FBXB+QU[PAYU.$R5:M;MT_:@(FB'&X,+]KD#"#Y%G\UQ4R*[]A
M.BS$4I\_WL.%[=U_M_BCM<2G1^3<WXYQ[P+7HESH^P-[L]VMEIZAXFC]?>@T
MJWE^C(5S^DU`;>0\(?**1+60*O1IWWG&_H;<4*1%T>=?Q>@7DSI79"]@Z%Q[
MM$CG!@YS:@\%N@6P\T`62KBE@^M5VU?-5(B[-:;=+GD:B8H<I""K<B*@E$DL
MJ5"BNH<2LS=$=8>>WDWTIV;C/F7AU+O=JY"."V7Q[SR]\8-BN5]3NARKGG^E
M4#C]<H-BIU>NS]B[E:KROH8I0Z.#;KKRC/W8OT+CK;D-QJZ(F9GVK&JO]A?<
MW*^3&62FTW=[.(ZCRKDG[K3;?S9^T^A*%Z%HW&@46V<]/W`X<JP>T`>W54N\
M'01?F14##+B)KD?[6V*;8^A<?D+V)VGT3UJ>R6YV08XG9!/9R-:L3/$^LTB)
MS^;R[K,"@4X&:ZY<9KW/.R3NLU=^68^JO1H*0DH8_$WJ:UM$O"76Q$>U4_8_
M2WJ$BSVVA"^A47@77JCZ+X4(H-#L'"KH8*S_`#_9?6%)Y*-ZB+OLGJPBJ=BJ
MW3P%D'N%=A(H]VLNR9(28EJ:['FH$1'T4_!WNB>\.\\BJ9WOUF!<IM/%5=0]
M7<0KG/`8>V`NG1;1YBIW>B<*\G+M*M)RNO!NA6KSH9:EB$`X[@`64@O_`)TQ
M<64EX1;$S3Q2<GZ8]<5?LM5\E6(CY^G=IZ7.Y0;K/7@//.@M<RJ5,NU#]*W:
MYC3?-YG49)VQV>NS/,A&`$>191K!6.8C2GV6%0I#,@4B8W:T4.?%=*)_T[]!
M#*/4,7=2'2^W![Q*=K1JWT,LT4]OW\3<Q`X&Y:ZX577CB9CS"&I<U_X@N*8?
M2]]2MY%BF_V?P6:7]>=^Y?5Y5UA!N$ZXX)ZGZ(\KTGGP"D6D%9`EJ\U\P['(
M%="?)1+U*KS%,LU_X.1B_P`4C"X[@>MSH;R"K[T=]#M-L3\_5,?6NNV]+_KE
M"2;?8^01K_TBQ^:9=Z:C<TLI_ETJN="[GS-N31D5(KT>&8,AVH!^/!(O3"&V
MC4-F4A<.,B9IN,2VD7_6JAST3W#GS_3:5P6N\#H\&BP/?78+:_9JKTBQP#[W
MEN]<@K8<%7`$'IH=JIHZ*W=I")KC4AR$$;8:W"@.:UMI4*1/7V?:FMT_L`OP
M^_`9='_CEJYY8!-C"%@'^S'36(W-N@B/)ET]',"#OHERX1^<VZSQ2]3:@3JX
M-"M.1QY!*ESFYL9V.JD6_7_%U*_[%]6+3SWG-AWY^<ZWWT-Y)/<\M@RGWX?S
MKF3?HFI^@+C=!-JK<_HDP]TA^BB/.I%(1Z,4KNSLTM%:D-04,N..#;'76D,S
M8N]]%YI;.XTH<?YX.[[+ZOR^K(,UK@/:^QS.SDQOENC76U$Z]PZL=B20JS(=
M$N&V](_?&!0L4C7Y+DH@^RX^*1-)\%B>+NFG^M6/M?9'J_%B6;I?$?'/3%U&
M-/>8'Q#UQX,]9G:[&($&OO1XC1&?N,EYYOZTHUI2T_.MZPET4T]LJ.I/I;U'
MU&P^26I73Z)SZ\.]YNU3]2\-G>>KQ5S]$DQ?,-VZQ%Y(;19>P2IA5@:H(^^'
MMT#>Q%D0Z/*1&UQ8[T67):VQ%?FT^M`&?["O83U9XK(&\XI]\OMZ\T\[]<'*
M7R?S_P![Z)"-UGJIYH14>&AK!6K26C<YLC`JO'9,FYV'2QCD]R$PV*U&:ER,
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MBA)I72Z(#H?K!-4D/\8ZU4*S6NK^:>2VB_?QHMW`E;I%/ZP\[9:43#GX`$5`
M4,<1M#4M<B#-;4(MKUZI1%]0^JM]6A>8)Y'@Z.NV/I-%@C^JP>=WM7/*Y0[1
MP#HO<#8^1SF7U5L[9[:()<V?"P)*;"-CS(<Y$]V,TY$=BOBD4W>#J<+,$`O]
M>'GM^W!:Q8S<[T1QVLV*%$(6-NLM';3[U`54J8KTP:7%FW&:^2+.3A2)+[C+
MBXS*)K4EC;S+L)_-/S?@HR[^P_9-B\VWJX,6OC%".=%\T^GNO<L+4[GMOFF.
M7RO.O:*'SW48Q(/]%D#[M/OU.O:)2'FHPIL"6C[U]HDPK658MMK3VIW;_P"P
M?O\`SWH77VI/.'.D\Y\Y%+M0^JOU/@/8@4&?/YUY<<[C8>QH[8_8;)R:BUN9
MT%R'76:C)_="D<?-3/62==^B*H;8F/;*3DO3GMNL7@3QT[/\ND[O<I_D-ROW
M0/1.F1:S7QGHU'I]5ZCEJD_U2<2L$J@O\(CH!OM%H#9EI]6Y*(BE[^R2EO76
MFJF$>@O3E/MA.V<D(<VA<ZHW(_[$NJV+A+]+N9S5[-<"]R*J-B.0;?-Z<X7%
M7&WU9<J1`;2S('0)\J2PW%5'?CHA1:1X]=/N;*=Y[)>>[_UY>_NATDM4Z]76
MZ9Z<K?%[='&%3\:Q<SYW3)U4L-EE)AV8(N23M-H`65L3-BR&&(L5<&1MF1MI
MQ#]2(I=%4:J7H3M/+DPQPD3P6%P?C/H/C7BH[1ZAS0_2+(5L5VJ',XDSJ=#;
MA7V=5J35PG1.HP&X=0V+(+=K\23)_=DO.LMMB8B?GI594?TOZ)'_`-<HCU:7
MB\9*=IN_..8=)JM:&@[J(Y>";ZN_1T!*R=7*M9:UF=AV+.O\P@P]#^\Y_P#*
MC(2C6G)X%(W;?!1E@]P^GN*/]%L76V>(7^F\QZ3Z,Y%*$<_I5XHUFM9+C7DF
MR^LP5[;+'NBW<96(Q:+75UJ8$W$(_;4K1-!'XWN`BKMB>GRUHEY_TY[(IW0J
MIY^-3O-Y7JM]-^<RHWH(N@=)AT"MTON`GT4FU!Y5,>Z?.,V"R4,_P1Q0F;HW
M`CG84Y*7XT%QEUQ1(BVE=:)=Y!]D=J]%]9E-%N;$XG%+,+[7.KIYOBG6:5&Y
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M[KC]5ZWYK[MS(?=J7R_E/(K^".53A-QZ4#NHM2[KT`C5R3THX_%<;%*GQ%;6
MK\/0F+8U\$;Y/[!]'6'HI;I1.QT>;R[IL#^L3^+\CD4\LF5S=/KI\>W=W!UW
M9N+6C<X?%)3-I6\+0B0]J(KZ&D1W6Y4JLVQ$4\=4\MWL+U28L_1Z_P`A`<9=
M=YG7/;%T>'6*M74\:NK7E[JM3HM)H8'0B\@HHDS?X=A=1/)O:E(ARF6_LPUI
M=5IJIMCQKX-U_,_=WO1(SIG0`R!+O*HW2':MQTV/9DIE6RJ@Z;3]V2QDY+LV
M3%D+_P!S)IP<QJ.VRA$8:CZOK<VI6&9BFGBV8PA@,!@,!@,!@,!@,!@,!@,!
M@,!@,!@4;=?-O%^A"KT(M--U*:Z->:OTZSD!]@M`"P:Z-20M2KU1O-<LP`T,
ML-*M-<$444S$F!I,!YK\3ZM;^MQY3A=THROR'P=P]SZU.5ZV.6GFX)FK"+,O
MK'6EV"R52.:D61FJ=4,JN^R':*NBPS'YFAUN<-P]/R7]Z;UJ0_IP;I4Y;_"7
M):SRZUU?B/)ZN4/G7N81H,/I_9.Y"8U?KO*;2JRT2O\`.NEABESZ!Q(9S8A,
MDS:Q%JS42")G+^66&TK5O1=TUU<_G3POS[FO'B]*Z;7Z]9[1?A7H(%T+8([>
MY8#5/]*=(,]&Z!SL4:L9I5N/#=R23,=TZ1<2=)/L+F+7'<D+90)NK-8618?%
M'G6QVX??7:O;Z_<ADRT38UBH?8^S\X(J>NK-!8M;<MRA=`KB)\0ZSRVOID,/
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M0OO2S`JM@!O3*IV0=5:2%+W&:(HE/'].I(PNP(#L01K+\;Z$,I86XTLNZY).
MA^,_.'4EE7[CS^2_,.6:V6LT2!7CH5/+%R%]JU:I-\'$BU/M8(C,J5WJE-%0
MBX);NPI%$!A;\5;K:5Z$73#+T?RCPOG5VKM_JM6,L6"F5"/1**P7Z!T6T5B@
M5EFO5ZJ.PZ!2;1;#--I$HC7*H/AS98N!%F368_P^ZO;K^W25EU[_`.0?-W4G
M^R2;]RL+8Y'H$9R\/V)V20L$9=X'<8*OF^91R&QYB)^%_%B<A3C:X?XSDCX0
MF0IU#:$I$73'1-97!N2S2Q,Y*IT5TJ9ZM7.WDI>R)M*I74JE40-$KMM4T@FE
MAN0,J=8@PTQT)3"6B/I:V5.*6M0K*IY/AKS"^H1ICGA`1%%<D%\)?%UOHG3J
MP&M/)0-9,4ZNTKH0:O7(8,Z4/K5</S(PUT^T2EC]2%*CNMK^%:+NN7]7^;TJ
MJV:P7$`"9'62T@*;5SY1$H@\X1`\^0=;IX];$F6]$90%19IVD+;;0X[^1O[J
ME_2CZ254R6\;>;C-1K5'E<X2Q7Z70@W-::@7:KL&+5*IURVU6^5MFMV,59(=
MB"FZ[<Z0))P"\>4@M#EP6UM24?Y?4-TUJXP'C#S/6HW/(PWE\-W?*NP6'OU%
MG&;'<;&8$]EMHL\(L_0I9RPV(F8/GC\>S3G9:B+\MIZ8]J6I&Y3;3R!NE,^=
M>=N4<GM]KNO/PQZND+E+L!$N#:OW0)M`C%+:?U:;86K?,"=HF\YIY6T636YQ
M"2)%PGI<IQQQQ2E//;<%9GJ@9WQ5YUL\OHY&QU2TGBO4HT2%8#)GK77BAH)!
M'WB%TT=`YH7G7I\CR"`/Z*-BFV&:JX'::(PXSJ4ZW%CZ:&Z7.QXO\U-78[?W
M^:M%CEC8MR"P^PV>YV2E/3^A5S50Z)8X_.#UB(\^'W'H=8^N">-1QC14Q'?D
M:E2'=RI6WANE@A_@[R^+JL^IPZ-8TLSK%3[2BTO]:[#,Z:',\\%S@5`=K'6Y
ME]D=/JD*D@"LP>+AC2\6'$@3Y<=#7VIDI+Q=TK+!>:.'5KB<;SH#H,*!QB)N
M2IBCH*V%V*E<RW/WR6XHK(+O6!UV1;I+DY:ERU*4ZO>M[^C_`!PE9K7Q1,GX
MQ\VF+U:NBD^=*EV&YZM[QV(NX7M%069Z#37N>7JWB^?,V=NAU^_6^C2'11"P
M#QL8U)AO/(5*W]][;A=TKA/<LH-GHH[FAVNL$*.)73'!X!<PDRS&7STV#L=-
MVF7&FLD%_LAJMP7T?4\K[NV-)=^M"EI42LUKXH2KS-PU<VT$54&'N;<P?8*W
M9G_W:Q:V5"=\,5T_UR`XG1C3;"+D7J8]YU;.FW(VXVM1E,I4M*A65=[\)>6%
M6K5PWS.1LHVN9)CP-7[I2:G"+%.73>*&K+`HR;@FF0;>?Y60="$##4!!.=$W
M\O/K=_YF%W2EUI\E^?+D`>K5@YXQ(&N5/E%+BO0[#;1!D*$X67.G^0O5FQB#
MT&P56P\_-6:=)'&!LJ*7;=D*VJ2K6DZT2LHX:\2>;[!"A1RU/LTDA!+C#B+:
MCK/7HO0I1(=0H7+G72?1X=[CWLLP>Y\/9%&&))%U@S&;UN<B0YK2]#=*T.<<
M$Y)R,(_7>;TZ/4PTBF4?GJX0TH=5ING<VJ^J91@D5^44D28;-;K&M1&'&5H?
MVA.E+6I>M*T*S/56@3Q9YXK[(S\"L6UTN)Z:)Z]'N);KG7S_`$.3>0=/E<[&
M2R_1CMZ(WD\#C\]G/@=AYI"0'<$/NQEQ5-N+THNZ62(>0//\YCDS$:GF:YOB
M-/'\[YU,I'1.E4(J.YV+4"<B<^.&:9;P1:ZTC3U:@N+%&WR$)UV/I:VU*6YM
M9-T_6^N@>8N56"C&@8KF5*.DFH'>95:!W<A9U4J98?0^K'-ZG'M#8^7,ENU^
M_E;/,_<$)8D?BLR5_B--_2VC0B9:T^?/``*L)Z-8>SC(.K/=NO\`+NLUX71.
MT]YN<RAE^,T6)1*85WW&^F@G7+I8IXU<]D@J5^*/6&EH$;BO16W5234W>72C
M="D<(Y-S=ZE2*33H@%[G5-M//J6J.0,R-`J==;#7;59P;")Q*4B0P5/U,?(4
MX_IU]O<;26UH0I:5&:S*HB?A3RR9M5IN);F;Y`K<&^IH+0Y-]Z2NKQ5]Q`DJ
MWV.56Z5JX)I].G]/&%Y&S<@3!A/D);NY;J]RO^=A=TIA>O*/!^BD"IJRTV<B
MQ%R]'/O6JM7:^TFW#S?.`5BJU/*UZU4VS@3]6G#:O;B@UUP;(BJFCR,B/*^\
MRZM&R1,PS]6\[<7I7*J;Q&JT2`%Y7SXY5;)3J?%GFMP01ND7X?U"K3H\MXFZ
M4>4)O8M@@E#S[C3BV_MN)6SM3>Q6:U\6`D^3O/<RG,4"3S8>]4(W.NI<G8"K
M,67[37/NTF`U@Z97DR=&M3M(LYJO0I.Y/W?S(CD=.XKK/ZZV-T]6%_[1^.AR
MY>YUNN&95S(TU59)L6OJ?6S-)Z-)AT!?-A)7L]/F7*?6NJ'U4_38N6<.P"9M
M^"A&ER'%LL;;&Z6N?E;P9!Y?;[?T3I]4HHPM-=X4U0:92>H]MZR+I>^`C.J0
M:D?7T/L4R!;"+Z&>QE8$$&B%'!!1,6,RRV\[MQ[#4W5TAL99_,]'"1HMRY%1
M*['ZU1Q_<'^;ILEWZ(`H\XSWZQR[STD1T=FNRRZK12+;?9*2\F!.'%(\.8TV
M["886VWM!-TSI/1S\=\L\[YCY%HOCTD*@6'FU=XE`XK9AL=,\,/M(9^K?QRW
MKTB'/23&,V=<J6ZK34G3[/Y&_I=^K6E829F;MWB[\_R7P$GU6/V>;1G7KW'*
M"[#M>K;=FJG+MP*J*HH"^$^=-6-'/2O1`-,5^V0K!)%NF8L-#;;<E.F6?MC=
M-*>":N<.Y4]R$+P5RHQE<DKM<J-2#4W]P,ZBP:[1-B%5,:@EHEHVZV'V!B?2
MMR2MUS[.ON*7\J^H5FM?%BB'G'B)>?+)%N>ARL@A?;5TX@V3?*3X!&[7?EL_
MBML+D!<N>\,G,G>7%)`=^$ZRN`J.ZI>F=/?\S!64+Y]XS\X\P6,D5.ASOW`-
M9ZG;1)FRWWHUX/CR=`K=EJ%"@Q3]UMM@,MU:CUFXE(8@)]_]G'HGOK9C)==6
MO99NF4SYWYVY1RBXVN[\_#'ZZ2N<L^1,@V;]T"9S^.5MIY-HMABN\O)6B9SB
MH&+18T[G$)0H5"?ERG'7'%*6\]MPDS,Q27`*\U\8"]*)];&U.2Q>"MY7TR1,
M5:K@^%C]`D<](<I)6\749!]VHAC9OGY-P<0=B06?W!*6G9&G)#+3J!6:4\%<
M:\(>5T'*B?C\RD0I5(5SI\'`'7[I0ZNO$>0VE=SY6;L=5@W"/6KE8>>6-Q;X
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M-\0>9ID!P6B@$1@]?..5<K1%`]"Z77FXM7X67@G>,SH&PMP@K'7KF!,<TX%L
M[&V[)"3K;:)WVU;3LNZ69I_F7F/#0Y`IP/G@.!?1M?ZDQ57;A=;[-'DS?5;1
M!Z'<M6^RE9=V/O-7?H@>*1*D5QB!#3NG'$:6I;B'"3,SU8/S%Y-I'GGD/G>A
M-QF)5CX+1;!7!Q4`0L06LJ-=#D0S?3YT2K-E4"IHXY:&%OPDDF)<@>UOZ65M
MJ6]MPLW5F9\VV>&3`8#`8#`8#`8#`8#`8#`8#`8#`8#`H&R>I?/U/!$++:.H
MUX&#%=K!^=")`BDDPW$[79;$%JH'G[S:H'WTER9RQ0FVG/H_%VW)0_MW3'RY
MHM)2!?>>3-7>S\\=M[+-FI$0K-NNGA1UJOTZ.%K%0NI'^57-P6FFUUYJI7P4
M10U,GLN/1).W&TKTR_\`;%)I5(:KTJJ7*U]-I@*5+?.\CL8*JW5E^!)BQXAB
MQT>L=#%M09;R$L$V7*Q;X+JW&=J0AU:F][TM"M:)1/<!@0>S]#K%0LO-ZD;D
MRF375[,8J--98@R)+$LT#H]KZ(09FR64*9',HK%,GN)<=VE"W4);UOZUIUL4
M3*1(8B,/RI3[,:+&9<D29,AQ#+$=AE"G'GWWG%);:9:;3M2E*WI*4ZWO>_C`
M@5ZZG2N><X+=8/EM/44.'AGWS0-I1UJ4(GN1$0IXQ(S\C9*-+U-:6VMG:TK;
M5I6M[3^N%I6:+#PCK3);,"'*G2-JU'AQGY;^T(4XO3,=I3SNTMIUM2U:0C?Q
MK7Z[W@5IR?LU#[57XMEH,PS-%RZ]1K.V\6J]DKR5B>C4L)T"K/19!P7!@EE2
M*S8(SDC\%Z2F'(4N,_MN0TXTDLQ,+4PA@,"%F>AT^NV!%:/%]AYZJL3N;DTD
M/*0JU%KP@L'"3I1"Y2(2*B-F)(GHR6X<B<W-?0I;K32VFG5H%&0`6P)9Y=IA
M"'"#DBFV1RIGM3@9P.TT;;"A3ZVQL@R.@1[`/T,L$56IP]<J#MY3C&GMOL/M
MMA),#$'S@ZL`C5D+KE-B:\()'"CD$<2,34#A,-Z?-7#$!XD\N5E)C1U;;C16
M'I+Z_A#3:UJ2G8<XDG#-BAAD>I]<`N/ADX*I4.8.DJASXS<N,J0/(QXI""_M
MEU.ULOM-O-*^4K0E6MZT$),]<YK7NFT?C1NXAQW4>E5^Y6JBTJ0ZYHS9:_SY
M8%%Q)CVTM*9^P#W9H7W-.+0M:7=[;2O33NT%I-*^"06:W@JAH!LXZ1:U9K,(
MJ`C]N!'COW#IQ3R!S4[0(:2V''+4PK[L^9]B!&_3;SS>MZ^2)-@41V+TQQ3@
MLVNB.FW%X98;;&,3ZU4:Y5;GT.[F15>1&78#L&C\YKMLMSM=`_FL)FD?PM08
MBY#2'74+=;THL1,]%VP9L8E!AD83FW8<^+'FQ'5-.LJ<C2F4/L.*9?0T^UM;
M3FM[2M*5I^?C>M;_`$PCM8$`ZITRI\:YW;^I7J3+A5"CAI!ZP2H`^44F,#HN
MT:><CCX2')4MQ.W-?X(3M6\+$5FB?X0P&!6//>P4'IM"%=*K9G3-1,G2E9'D
M#S*Z^MXX*O,_G"QOXY7\=Q,J?<ARH4-'_NENN-::TK;J-;+,4FC*T'HM8Z6-
M.EJI)E285<O-[YT47+@R("V[/SBUE:7:8S+<E"%/Q8QX+(;:?3\MOH3I:-[2
MK6\)2C.6FS`:56;'<K229#5BI`B]FL9>2EY<<4!`CY!4N2?1';>?4S!'Q''5
M:0A2]I3OXUO?QK`CH_J7/RAJC5X?9H4HUTJD&>CT:`AJ9IVQ4BO.4]HS88:E
MQDM-PX#E_#Z6EU3;N_ST?2C?POZ2TGJR-AO58JA:N!3\Z2/EVK]^V*D;$&9(
M9INLA9%A-2#MAACY`"K1(HF(XXEXI)AM/K3]II2W=Z1LE$FB2XL^+&G09,>;
M"FQV9<.9$>;D19<60VEZ/)C2&5+:?COM+TI"T[VE2=ZWK>];P(.]TVIQ^IC>
M-N2I>KT6Y^;Z;"A:@2MP%U.OV.OU4G*64TC\)N6V8LT1"8^U?=6A:EZU]*=[
MPM)I7P0*D>H>$]&,7@/3[ZP3USN7/@VJPR`-J#4)B8*L,FI%XP;I)T&-Y];'
M@UHANCIJ1).=N)-;4R]]#FOIP4E?+KK3#3K[[K;+#+:W7GG5I;:::;3M;CKK
MB]Z0VVVC6]J5O>M:UKYWA'!`GP"L"$4%S8A(82B1IXXC`DLS($^!,91(B384
MN.MR/*B2H[B7&W&U*0M"M*3O>MZW@=O`8#`A=:OU;MMBZ'5@LB2\7Y=9152M
M[3T.1&9B&C-)JO08#,.0ZA+1!E=9N<!Q3C6U(2ZM3>]_6A6M%HFF$,!@,!@1
MNY6P-0JA:[S8WGX]>IE;.VP\_&C/3)#(:NBY1@H]'AQTK?E/MP8:]H;1K:UJ
MUI.M;WO6!A>>=+J?41$@W3Y!23`B.!69#A.OG@.ONGZ?6;V-_"6:'0&#,9RN
M6^"M<F"N5$;D+=BJ=U)CR&FBS%$^PA@0/J/2*MQ[G%XZK>),J%3N>5<S<+/+
M@P9).9&!@(+Q$D]%'0T.2IK[<5A6TM-IVM>_TUKYPL16:0GF$8BP'1U7`F[*
M87*;$5T02.E'((TD9FH'"83T^<N&(#1)Y@K*3&CJVW&B,/R7U_"&FUK4E.P[
M`HE$,C!QB`I]4$K`ADH2I,26/DJB3H[<J,J1`(,19\)_;+J?K9?:;>;5\I6E
M*M;UH._@,"&=&OU;Y70KCTFX2),2JT2N%[58I,.&^0EL!PD)Z>0=C08J%R9C
MR(S"MI;;3M:]_IK7S@B*S1*IDR(.B2B!"5&@P(,9^9-FS'VHT2'$C-*?DRI4
ME]2&8\:.RA2UK6K24)UO>]ZUK`JN)VJHE.P;XL%BV$Y8XW-PG5#!\0(W+HU?
MJUK,'0E+T5M7WT0OW6Z2ZH66.C1M2%.,#'W'-M(VSMTM)I5;N$,"LNE=?H')
MP1@_<CC,9@"FINE1P]/[H>B1+O;8E'K1%P%"VX3T-(V67^.F1MO[7RT[OZO^
M4OX+$3*S<(QT4N)G3B8R$3'3"01R*R9'Q9L:1.$.SHK<Z$T3B-.K?@.3(3J7
MFDNI1MQI6EI^4[UO`R.`P&`P&`P&`P&`P/##TKPNW=8].>B?-@FO$=UFZ\XM
M/N*L']B9J:S'[*]Y^7Y(HHE@TEC0U-J%74(Q:$QON_?0Y';D[3\;TK<<ELTB
M)^C\6OERAW3OOF2X]()U7J<*![*\O?V>^@[%S+3%^KT[1:('\\U;SR$LH`0X
M,)NV@3SVB0&QT&4C\AW3LJ.EI;;LAM98I$_-,+KJ5"KD3K]L[IQ<GTUT:CU_
MX-J7-3@.]=5(4TQQ&V<(X!5[JM8<F8D"KL%.A#,N.3*&&2$I"X;"ER&WH+2F
MJDS/2?*5B>KZ%9+GZ%[4;4?[I"14S/\`656:*BB])ZS3@`8+U;TO<*3Z`="B
M:8>%`94RW\Q)J&6"8XR^_%%::7I<92$/:A;.GUM0?2EZN5`Y+8.6"TWZN'.3
MD/;-@\X=!LMQ]4&+/)(4+NUK!\LY1R,%S8XSOH_0:L#&#I<&9;I1*/!KKK"$
M19@QTHIFM1%9K\WDL;L%.[RZ]KH'*W>Q'.ID?['?3L$D\U8+27N`SS]3>1^B
MA9&N^>(-PDSJ!SRY2J$6(M4Z2J(R)D6&;'V^M:E,*:,Q,=)Z412M0#W:.Q=,
M`P>C3V*\6%]`&<OYQ8+GZG9Z1V#QR6\?R1W/*77JF8G#Z7H8J[RV3A.P3'%6
MJ-=!4Z%.D(G.N1]ETB-?PZU;,`PUP?\`ZR::-YU)IY;@+7DWG8MBOQAW2SW9
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M4F6IDZ"V]&CKL3"=/)V_];:G@DZ5F/EJI^9T:R-<TI1SN?1O0`'N,6F?UY"_
M-+S%NZ\#?L-=)]BJE:[?,)0P\Z(!M9LX6W+@7^38&Y,M`/<!R0II+T9UPU37
M3IJVU_L(ME?B^B>H5PIT/LX'I4+PV`LWDZH\ZM75!8LEZ<D]0ZZ,I!`97Z%)
M;`V'HDP_%#0H\4NV^Q*$[F)=:<A-S-M&;>GLKJK0H1L1.W60;([5VWD_K<GT
MWV@$].VF(0ZP4J7&_+3?-^[(Y!TH52Y4MKG@^E5#>^;$:;/%(C$9Q5^2EJ2J
M4\7VDO\`AT^M4=YF$.Q>;[949%/MT7DM2\N^E?S(M"O?H&V\HZ78>9>DO.Y1
MGM=`L%L(HZ0<`%Q<TT[!9(/3),9N,2BQWY\)K4N26-+O;6%Z62QTR1THW&[I
M?^U#/$;/6.T,5&Q5^[]P@!%V&)YF\3D?/@]JY4DEJYO@Y8(C?B%>:3+5#(VI
M&W/AXM^-I1G6FGYOXRQO(@?<YRZ_V+K!WT`QW&F]7_K.J4ELM;.DP1@,/T'D
M_!A/H*//YQ&G,T:9)LVK.55;-OCI#;1-I2U;9>BH4B$TZ:4U7AY/MY5'D[V;
M3ZP<.='/<TIUN<@>IJO:.OF6?05Q,<E)DDW"#&Z+-(&Z/V0)(A1?Y,&`2Y8:
M"7DM*@N,K<7!A"[\T(KSX!?==*JO8YI[MTB\,>S_`#KS!&REVZ;*J\;CMH\)
M\5GWT'NB3"BZ:NN&K\4G$24QZ"XYJP)^^I]$EA/T4FG3PI^+']ZF>B3/<>Q^
MO*7QD98^>^9NR\A"5>VOW8Z!Z?KE/GC5GA>I8U&Y2CE9I%UCW.%V.\C&'$6"
M#^Z.!H2T-+U'C[=$4IM\91[G_0+0#ZM;Z?2+5<^V/1_7W*.@6CO-+LW6GG+G
M6K9<>Z+:\[=%J%IE:J%*N',AXY@<J,!=;`D@&Q;\R*/WJ.RY"FGEHS_@3T`.
M'=?Z%9+38UTWFO3^;><9+5*?L/HJ^#JAZ-ZUUB_4Q/,SMM[A()S"_=6I!,4)
MLK`6*+CQ5L1E3HC"6VW-4NC3VMMKSTND>9?;?2>J=Y=FU;GO8_.W&*9S+KLV
MOERE/!'N373MQJ_\K+V$4/(MU`U86.B"#`UB5^.V?^Q(0PIU^!]O1F(F;:1U
MJT;[EURT6?UG:YE&;MM!LXPKVOG18`+L?H\M>[CS2'XDZS;J;TB>!_<X_"^?
M<KL70(P-ZNZACW24JP1&W6IK1%TC#;-Q'N^S^+JF53.&T^?02;?2C?-.I<6\
M"E[Y;^Q]<](/TNC],OB/2J^F]<Z5;:L?D]"98LKG,:T)+AQTP6+FF9XU)'<.
M-(?=6.L^VLM8[P6D77S/81/H&U]])65SS4(#>0A@]?H@:NXVP1Z?]"UB^H_C
M$Z3+-W$O&HH.B,EF+G^Y%(]+4W(DKVAXE)6]JQI.E.K??@W3+':_[&%RQ3!N
MFQ#LKUA4>J<V<L7?;<6@[YM;:J&YG8NJ+O)%WCM,>M\$4^:I@RO0(RD`"3GX
MLJ7%W(6J,S'N_4UX]"]3OIKO/H6;SMZ\\XNC=(]V\WLU2K%F]*6#HZA//?.'
M19'*>BGVB<[7%N>AKG::N+/T&/7QZ9[B)#3L2<X^Z7CI?,L1%(KTT67<*]"Y
M+UJ7S&\6KMHCQM'ZEY\M'7R1GH_;BC;9&Z><>_.)F6#HK!^5<A=.M'<:M5'C
M;48@P-W8%0_R4(1.DI>)&L5C\S(#J)1"G]3/#DWL;T/5`I/HWF-XGRKA.ZA5
M[P&Y\-]Y1Y)6X7Q8N6#OS;P[G$^20)29^OR(J?KGN_;D,)?:J_UY\Z?@KJX4
MKK?-P%\Z5YO<[(UV3J'6?[4``YH?8>B&!)$4-K/=K;QUD%1Y,N75(#[=PK`H
MD`FLC]2YA62M2'GE3WDO/`K$Z7=-&SOF2F';WY']G5KG_3Z]U.L]*J]TKW*J
MA7+/VNXQZ#9S_#8P,W6I-Q]".:O;I*T6:6R4G0'UI;&$YTK3FFWW'T),SUBK
M7;I/3V>V\FK<KAA+J$8_Q'^N'I_/>BG:F!OE(NO(^I]"N7DT?7Z)LKL6-+5[
MK<5KEMC=='QE*GC4#MNOH0V\QMZ+$4G7S2[JG/;6-L_=/.U5;[$1XZYT/T$`
M!4Y=RZS8V"`2V_UL56\+!,6,D?(6$F&G=G*3)D1E4]QIDY*>1'^AU6V]"//Q
M_BH;E3MP*=6X,)YKUN%0:X%H7DB9Y53;;IZ.=9M];B#'GO0E'J=<C27J!>B=
MNNS)VO6A%I=D$J[$2.?4W%C1!Z\+-*36//\`@V,_KV342?I?F5A"ENQV+IJ_
M!4^+ZFG=(G=3+Q`?I"7U+E<N^@22[^M\-5>DJLD<K^YAA.XS#`^-`4B.F)J&
MI1+JT]E5,=IB4R3S;UUYKY+9+9V7R36:6;[D5"(`]'#E?*G6!'HRK%+1R"#=
MJ]#KAFSTJV02]GLD`!*W,*UB.`D:VZZ+EC&8J5BM8F?S=$DLELB=7]4Q:?1Q
M]A#`#9+K7#3]+AWKU+9KET7A,;QCTTISR^G'Y5CC\<I?*^@6@77Y=9>@-.%R
M)-+4EHGHA(+QDTZ6_+S5'Q;5GDV?R)5Z?U9GE=*#<4\2N>=Y]KM_I'ZYUE%7
M8TCUM0ZM5Q+[],N]VL!:"]5;*)MJGG@`IZ%MJ/%B,Z5HLTU^G^#T"_KN[+1P
M1BZ\')WA'2+82N+S]2[\S8NN6")Z<*1*O*L5U)S0W272J*!U+G02+!W<A8B6
MNM1)):!J(N.Y)_:X9BZ)ZM<NS]$]#<8Z]U.S!I/9;+6O$?1K;=H]?@JNY8-V
M>L^^"3D7G=;4/:_)8OL+S_:#$M$=C6I**_$AM_&F6DH^"Q$3%//\&1\^U3M%
M6]L`.>W_`+<X/N_*[I7JV,@72W][,W#MOG$-Y3!BI$,%57GE<1-5,WU3\^S3
MK&]M\Q&M(]]B0\AY34?8FFW2/E5T/9G\XA=EZ5%G&MT3A=E]*F-]&MQZS]IY
MQ3=62+X>\S1>0/V.\\23'N`\3&.-'W!SBY#(=RR0(C+SFYR(3*Q'2/.GXRPE
MYD^R`8/I?#J7>NK7_HM&\Z6/VE6>L`(MWCPNAG[9Y@$\2$4NKZ>9<D()3?0+
MMQO`^K;TY(ANL#?IB:5IA.RQMZS2E:.QQ@08(6/E!6O=`M?9.+0NF=UZC6>7
M<-ZAZ6(!X)OGGGGFYT9RRS6WJQJ#=K2X>Z7%T>9#%GU#H]@GO,.MJ7^3'P3T
M]OT*9YST6;87#D@[9;>"\I6BR^/;IZ(@4&Z>L"PCGD*Y-^K6[]7;1T_J9A=^
M?+Q.@A.>"NC2@7[-#CQ4MI*1(FG)VU"8I\_R^4,5$.=&NDWG(^O=]MU%YJZ2
M[=&\L=2[/=/2_P"[:Z.`]]=UKVF/QZ[]:NC78-RL33A8^OWAQ6Y-7D.ML,.,
MNEEH+IY:^/U-U_[5NF'@AP=5Z[&.5"Y5/CQCJ?)NAQ;!Z'T2M'1&K/N`BA\A
MHG&IXNH6CH]9:!Q2).1:%38L(03:2J#('/%5-&;(\6>_LY?"OGB03LAKJ`GC
MI+QUZ03RR)S4KTP4Y8/4+NJ_"`BTM\RD,2[)T;^$RI&JH(GID,3/O%-LQWEH
M7]`L]G6OV*%+V/T/1:B\?ILWJKLN[VF%XLK0&$JX2!E),>A?&GD%WD_3X`9O
M[@RO`>5]CKQ'[Y-IIE@>LX1^MU"EOX6ELSK\_P!ZJ;9`[?!.>QXL;M-HJ_4*
M+4/9-7<H<&Y^BI7:[-QD;!D`_,=BK`,AM/+P,:IUEJM'0]F`?>(39TF>VZ^Z
M1EE&]"/#RT6QZ55=.)=5]%\]\V'[IU'H)CSK8A]`B`KQZ$L'6/)0:I<QJI.P
M1)0><5M%7NU:Z8U'DE@MD;WJ[HO)O\2/HGK;7[=$C6(F?/ZUAPA$PA_6+[^;
MK?1(75*19*7V)7,@')C7:NDR:$/?XC6X1VB4^Q]?43Z19SD^Y-D#3$5'WDPB
MAAR$PE*F?LMT_KQYL31.KU#F/:A5XY[T/J>O#@'T+18,RX6PUV&TUL=?K5Y/
M](P>C"9I:\+*V:15)'0WJ(F4Q*VX-A7N8MK6FB:WFTPF*QK^:C7RO]*O$0%0
M;:];>D='Z7U'Q;TP.#H9"Q=UJ_;?,16'RGT%<H?9GJA]S55L58OVX4`43>,L
M0[&#LG[6W%D25Z8A17BM(Z>%5\-@^P#SC'9ZJ:[.1[.OU7SSF579/77I$^GM
MT:P_UV4`M-K;U%*%U41%2-=A?V1(2Y,%7Q8/EU<A#S6M()ITGI3\6KU2FV)C
MS45OUM](@W(8Q?!3G3//UHZ+[(C2^G]U"43M3_4J#UR\3'6>D<GZCTZ3.'R_
MV>OQ'A;%GI@_[XF4S,VP_5FE:4^YZ+>1;X[*]C],'2D6:ZE.J<VWTD@\;L73
M47/R7&'0N51XWEOLE#,RYW)Q\EJ:=??K1@(Y')D-CBR9<9Y6GB4HS=^5H41-
MQ[;4.M1N:W/M-[ZQ-&_VE@O3]>L%BZQ;`</F8&Z=H#\4@:KMCDSZ<*CB;C%K
ML"D*#,MOR1FR+;&W6TD-(C?C%>FE$Q[F>/=@](=EIP<%;!#UP#>T^/=-Y0)L
M_IVPW2P5>C</NJN76BZM3"T+CU#K/2;-511BDP*[#:F2X,[7X\UY4@S'U4C2
M/J8P51:-6HDWI_,?]S!W(3WGK^KT#V"\U2[=PE3-<(G=A[[![ZQ`FKL4H^+@
M"T5L9%LCH_3),%7USUI5%2_)<<A,UT\=4G'P[?9H_2Y].M/>Y_&>=>??[(KQ
MY,G(O/7F$$H5;F\`&<F/N.O%FBG0(U8M)ZYL4+9O9#:PGV7X27F&XCR!]]8J
MDU&Y39.>]+C&P%A]%29-+Z=_6LY7%V7K':K6-;_WPFP0/I@A-&6*QD0YW=_%
M/;W9/S&9$>*\A,A"(CR?N8A*UCP\6=]\\OJ)3TIW>0N+=(%\ZIY,\P`ZD3KI
M[H46:99K?K4[#Z7JGQQT]RLLFJ75"P>:\XS'U,%;E-3FOMK>=>4+9TCYT&]'
MSG>7@^P<`2S>0_/QO=NPD>.WZ]=)]7$!%(EA/,_G*Z@^;4=SE-D:Z!T/H%XZ
M+U"Q$ZC`(F-0(<D623"T]+CQH::1KKX_Z6T?]>0<-#[WZ)M-H398W:NI\F\B
M],.KM!*Z-S;2'.>?:'#M%J:`%YG\6:TCI(V="D*@Q67(4IER-M+2-:;PEW3V
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M#R`Y8:`>U:::>L5&C+1&)S0=E8C3M-?=1#ER8,94MB1]A&M")HL:/S.J1>I%
MNQLQIFKP;H%=YF0E[(25#W*I5K%:+2'C(%;7^&U,9+W"<I4C2?NK0XE&]_2A
M.L%=*)08L("O('.'S@@&V7+CJ\)68)0AB"9\P_J*(!CE37F$S2Y23O[<:,W]
M3SZ_\4)5O],(^#MC`5>+$G6(P."0YYH#7(4HG*9AL2C]I,P:[6P[#CRD)<(G
M#I./#BM:_P`WI#R$)UM2M:P,U@,#`6>U5JE!9-DMQT76P$)\?&EF#,U@>.C2
M"Q*('&,O2Y"T,MN3RL]B.UK>_E;SJ4Z_56M8.K/X#`PYZP@*J)EGK0<#UL%`
M^Q^<:/$X0<3"_)DLPXWY9$@_'AQOR)<AMI'UKU];BTIU\J5K6PZ=BIU5MRZ\
MY:*^*/KJ=D@7&M;*PV9G[':A3$V,,L`[3R5:C%1[!%_3+R?\V_N;VG>M_K@=
M@19J\?F6,<$-#2L^GFT5NTQ($MF3(KY]P(&LK88NTTI2X)%=?L4";IIS25[C
M3&G/CZ5IWL,Y@8"OVJMVMLL[6CHLZV!/EZJ:6*FL34B[(`D[AFP4[;"UZC%!
M4O7VWV5?"VE_HK6MX'W8+-7JI"BD;,:&@8$XW7JW#F%9;,*/)L%M.#ZS6`S#
MKZD(<(GK"5C0HC6M_6_)?0VG6U*UK`SF`P,'6;-7KF!%6FIFAMCK9R(B<'.!
MY;,\63A.;5IN5"F1UK8D,+VG?PI.]ZW\8.C.8'5FS8@V%+(D)+,.!`BR)LV9
M)<2U'BQ(K2WY,E]U>](;989;4I2M[^-)UO>\#I5\^$M8$):*T5@':Y9!`T_7
MS@J2U-&&0AB&R1%%1TQA2V9<`C`DMO,NHWM+C:]*UO>MX&7P(]/MM8%V.OU`
MB>%0K3;(AV?6:_*FL,EST*L)&KL4H5!6O3\U@(@Q$W)4VG>F=2&_J^/JU@?1
MRTUNM/U^-8#@L-(MA]BK5EDE,8B.'K))'DBT<&*0\M.YI1X8&ER$LH^5[:CN
M*^/A._@,_@=6=.AC(4PD1DL0AX^+(G3IDEQ+,:)#B,KD29,AU>](:888;4M:
MM[UI*=;WO`ZX4R)L8<380)&&8!G1L`R&+#GVY0\H)*16IPXC!E,J4U)AS8;Z
M'6G$[VE:%:WK?QO`XS1X%6X39*Q&A($>Z1$"&IYHC#%PG"U@*PP0$6W*G/,,
M+(FS9&/#B,:5]V3*?;:;2IQ:4['5U)=2K,^T`[K-!"Y=MK(BP@*]8I$1ITL%
M"VR2`F68:,F+3MV'$.R:J-7*2C>M/;A,_5\_1K`D.`P&!@`-JK5I4<17#HLX
MNLGYU5L*1DUB9L+91C45\B"):96O\0I"9FLJ=97\+0EU.]Z_76!G\"O>G<]1
MTVK+K"KIT*@+V0@$F++S&U2*A:8KX]W;B&4$F6)<>2/E:5M#\62P_'>3O_)&
M]Z3O18FAROF%3XW1`O.Z2P2;`A5EIGY)PR4L=@-&[&:(V:TV:R6(U*FECUEM
M5G,3"1&9(=6[)FRG7%;_`,OC0F:ZK"PA@8"P6JMU-H4_9CHL"R</AJJ'=*S6
M(2"=DL4Q`X$"A*?6C4@H7G.)9CLI^5NN;TE.M[P/RTVNM4@"1M-P.BZS6Q"&
M72APU-8'BX#<B2S#87+F25ML,)=E2&VT[5O7RM>M?Z[P)!@,!@82R60!3J^:
MM=J,#J]6JX,FFCQTO+9@BPXD='7*GD2,V0I#$6'#C-*6XXO>DI2G>][^,'5^
M%K-7@1"MBC)H:+)7$Q(K]4@SI;,:58CD4$9M$D2'9=4E<^>Q7*[/G+:;TI:8
ML1US>OI0K>@SF`P(-SGG58Y75_X?3X\J*$_D=WM7V9LZ01?_`'CH5VL/0;,[
M^3*6M[[,BRVB6XTW\_0PTI+:-:0A.M%F:]4YPA@,!@,!@,!@,!@,!@,!@,!@
M,#Q_O_<^P+[7T$A![V5J#U4]N\-\C@?.D$5SAZ"<Y?UJF<FEV#H:D%JH1Z#(
MZ)%C='+W`639G_M$4;64QW8+T=!)3IN(BG3PJ\Z:48ZCYSY3S#LE![3TNP6B
MO?U[OMB8MK_V:?KE>'W#U7S_`)^3LS^I=`K`QH?SL19WC[+I4@T,9?%M*(.*
M@)DMKC>DS28\6^=+M/MLK;*US(OVXA09@^D>QNAT:;?9/`KN6O<#G3?E]GC$
M?T);.7UV?5Q(2IW'JA]LPBMH&$2(!F$J0XV^MQQ=9G;Y>2]N-^EFZMXS[QT'
MK=Q[.J\>;4WX#W0M9O\`9J]7BJW\'1:_>"".?E.=5^M\@N=<:%V\>0`O2(L=
MAMF4A@LB(XQ+C1R3'O1$=)=#R%V?L!VL>S*KT.T'S1K@UIA1*E.N=GY!>K^`
MBV/A%.Z3^T6^S<8K=<YR3GP#IMZ5'91`V]%BR6V''9#2&E[$Q&DQXM.B?JSM
MU3HGFXM%[QUB]]+&TCQ)T[NA*QK\S4+D)5KV#T\%6VZZJHN4*'T.Y*+C&S`X
M/`K3L+]GTQ&><GRR"W-8:VQKIIK]CN&_3_IOGG.GNIR/0!BQ2NI57VNWN)9J
M9S'5+XK#XGZ[H'':-T2JP`M/$$G_`/;+F%U(3CNSD\G!++'HDR6V4-*3LD1$
MZ4\G'?>^>EP'5+'YIY[Z)Z'U(4UWJRTD+U`+*\L5_J@A-5\C\C["(Y=,MM[J
MM<X^8,2KE?2)TAO8S9J6#$[AM(0VW-D:$1'6GA^+>7JO0^UJY[X6I%QZ+'X=
M<?0EFKE2[QT[G3]*(:`62#YXOW3B]5YP>MPBV4J$Y>.ATYL?!GN1)OUCMNMQ
M/^I>8>09B(UIX-=O$MBO/6/5(WJUR[!9+O._[5K=3]+'PJ&+HW1@/./7W;.5
MT[J*!P6IMS&WK_6JA$L7U#R+0M<HFXJ*TB&IEAN>+5VEM/;^"CBMRZ-P<OZG
ML-/Z<:+&"/KSVR7'2[Q7N9V)52+T'^NXYTBNS*LZU1A<T4Y&/P8"9'_.6N4/
M'MQG5*:>F:DC2:?-'WK6E=R[)1R-AX/:.]]KZ-<NACO*AKFMIKC7F[G=W1=N
MO<\]#7SI%71:[=08O,*5S)L/Y^DDH?Y(PD<8VZX/@NR7'8^FK*4CKI16%/\`
M4_IV\\I'=UD^A2`UKF/!_'5\E4^N5WD9*F].M/1_4W>..=$,7FQ,5"9(*!;=
M0^>PD-(KDD-!8GJ7/@[;3MII$6EM:4\5Y@.Q7ZPU*J]JL?<9ECL=K]P@^2V/
MA)*O<H(4_AH"H>GSG/'JX"`?P1WHH[H0VJ!V69Q>>5DS'YDM4J$B*ER&EHE(
MZ4\%$T[TG?.OW*`$)W6\VOE=Z*_UZ>F>8L=4/<)*WD<-OGN.B`!)1@+Q``%;
MH-4M5<W&W&!FWR9"*_!5K<A,C4U&5JE/GU^YLQ[A[7U2C]7[%`I_I5_C,'C/
MA0SZ:IU#BA^9RT=)Z=6;Q=!\2-97[K6S9\M1Y38>`&("Q+\&3(=+QU,R6)&F
M=K,VQ%.GC1"QO6N^W*\5^M6OTA=N:UGMOL7T+R110($Y")E<CJ/"J=T.S53E
M-%-'^?&H"[C=C@]2R94VV5ER!@)46$U&<VY)46D>$=(:O6GT)U/T'Q&T$^J^
MB450=S:/XO9``1`;G(6J>FHM[]9$ZD]UP[#)5R:><A]?A4."Q7FZT1&0!D[4
MAYG4AMU+2"TI.D>:]>M^Z>P4R@UR?7^HUW=Q_C']D!*TL2@U7+.UH7PGT[5>
M2U'H1^N18C,[0;A-.L$B?-:^8[4U,+>IRG-[4O42+8GYM$GZ-5>T5WT'6V>*
M>TK[>[UOPKZ=-\Y,=>LG$GN:G[__`+A\/AUZ3:&Z;R$,!=CP7K<U*CR6HSBH
MBF(>EI=A*DQ9E(I36/&%P$N\3#']>/0;V`,WHI=>=V`KSNWN]Z&\ENMM$]#I
M?8X%2N8*PNTH#OCETC`B.G8T`B+BNPI$9MA[2OR4KVDE/>I+&\1ZKW.1Z#H4
MVU]K/W2H]<[_`/V"\C=YF2K//QE2IM6\Z=:OXCEDBJ3`%8&W!=E%!JA^&1E$
M"<ULDU*WMQE#C#+FA-*=/"%,VKJ-XY'WWU!T'FO:Y!H^S[XXSS*9Y-C1*))%
MW@;T/RYYVC&7Y:5@9/3D738E"SPZ;#(L0HT*ONMJC.LJFJV6(B8B)CPZ_2H'
MH_7NQW;C5!#2O85YMT/LG$_'/J"Y6JH-\EKA/D-UM/K?@=.G5RK$PE"W&!<L
MNHZ]%$P11U!&<R]37-.39#;A-EV2L1%>GC/W-J?.DWI7/^Y0)L+LEF-TCK?]
M@?K;D)[F)(-1/XI^S@N6=1Z3#MS!.!6(EO5T*1=N9)DR)2221KD$B]%1`;2V
MRX@S-*=/!CO3M^MEM[1<Q]@[X[3`?&O=']=?-:/Y\;AT%L1TT/<KYYWZ8_92
M[A4')Z'/LY^V6(C'%21I*+!BL5-UO\=U6Y^]EB-.GA*H>-^M/7T?F0'UEU.^
M.0>"I&\?Z_VIFT%O/Y6!40QWI,JA=AKE(!\S8F7FE\OYI2;A^ZD-6EY5@'$Z
M+MM]_3THDQNDVV](ZI/S;T1[>Z3VJD"6S1J&H+$\K=.-5%TGP*GTF=R[TYT.
MSVR^0;\'N,2/UNQSZ+RF<W5:J[5_L:38ZNK<M<Y^5*0D3%M$`YIWKJM.XU%)
M57M$ZCM><>3^-)_-^)QQ=%DA^^O=RO9,7:&K<D]6B=W-(N\O2ZA7M`"`Q0LQ
M`=D?]2^K;22S$5UCK5R77V+Z0YCS&5U6K^A7.P66]"O;PDY22`'D+5=X="X-
MWEGG5.Z0$8&UVNR!3G*@TY$&R.6@E+$$YTAJ3+_%;;^G8I$S2GDFQ;HOIJ9'
M-\:[)Z)LW"Z0GF'K7JU/ZA83OF*W=-N5?YK4_/Z:Y3NI':I62W)'(%7(]2LY
M2?%%1!Y4E7X0Q;SS.D3''R4CK$:Z>;8C?39E,\)>"Z96+'TH!>^R\PX92Z,_
MRDKR>IE"$L+YXD]%-QR5W[@#LU(IU=9JU-F2GG_PY161N.B-#;4MY:D$I6Z6
MM7.O3OICHE"KG;I?H.?$CT;DO]>MLETVMUWD\NB=(/\`=>]7_E_6RUO,-5"<
M1(B;?30<?<%(&>)AP2.E38G_`"U-LHBTBM/G3C@%XMO3_67C_IU_[=,MEPOU
M-_L#D$>(28M#B"^/:IO2^8TAH#58P"O"KI"9I<00R$,[-S2;DXMK<GZH[FU-
M;$Q2)BFFB$]Z[+T8CTN#TTEUB41L?(?>_7.>\Y\H)@4ML$3@\=\@=NN='=8C
MQ@".J2[S='/MV-^9HJN(^&*M16HB4)8>RD1%/9,=?I<//?6_J'D/,JKZ?[??
MBMJ\YZC<HM%MFV,SYVL9H\_V7DO4X\G8!?#(SL&J<S_WO@T)JJM3'E%/_P`O
MD(KS\MIEC[<-L3I'YG8K?6?;]EO]SIEWM!0JSR/8'E/=@,LQY]KM")5:R^,0
MW3;O<6J=^-&[G-Z3(Z[;G'PDD7I@`H$(5#2PXI,Z1NE+:?+S=SD?=^JB:[S@
MX*[K)&:YSUKPEY@K?F-H9SYT+?>:=@X=YU*VBW3]2Z_(Z9*NS[?3S=A%DX)1
M@;#'U3[*XKK2":W(3$?>PW,O1_9YU3\V3S/H^!Z*1W_D/DKLW0$&*9R&2'Y?
M=SOLKRKR^;`J(VLU*"R!#74!TRP0&6"OYQ*"8JZYL"3'F-2-HI,1KI2E?NEQ
M+].^G*7R:L=-(^B#AR9W/GG?I).79*;RMJI\(9H'M#@_"@72Z;"$T\.YICG/
M)NPDYIG]_EEH!"6*8F2&V6D/LN"D5Z=/Z&YO-.I]&KO+_P"Q:)OO1#MLKS59
M[8$Y=T`\.YZL\`:&>3N4]4;K]FDT:MUZL60W6[O:YJGY#T%#JTK0R^CY;5K9
MFFL:=6J_/>K>G@=I$D[+ZLZ!?(5;)?UGF"-?-4KC`T':G/:-U_@O9A9MNM<Y
M%F&:Y!C)U-JD6!*B2@TSZM/22+*DM-FIB*=//[$"9]D=WM1H[&YQVWH06F]Q
MJ/G'I?+;+T)SS3<;]3JUU?V[Q;ALBP5BA42H)A40#8N<]+FQH8FW_O!!F9!;
M6YMJ<P2947;'T_P1<QZ6[5P4U[NK];O$FGKYYU.UE^4/&AM%)$_0I6SD^&\V
MZ_U\S:;+`%T8`YY;$61)>:!5H=%=ESFC)-202$QL%(FBU(W_`':SNS<'3;>\
M6RE6\2&]SP^,LWZZ\*L`.U#`O/>(V#G,STBKDM8E5(U-"6^Q$HTM(9<";NN#
M8S^DLRGI;K\32DZ>3;_C?I9NJ^,^[]!ZW<>T*O'FW5^`]T+6?7&KU>:K?P='
M`7:>W0"O.J_6^/W.NM#+</G@7I$:.PVS*0P71$<8EQX]28]Z*4I+5ODW<?3=
MLZH#X87[-T`$P`]6D:J>W+*>=.C]8,T9CQEOT,SS*Q7BA\^:YR/F3;W&0XI\
M>,24B")BHB9.];CRFRS$4K[/Q0\7ZZ[O7J)PSH&O3"+]/]$<5Y7W/J("<$Y:
MT&\Z&R'K+R;SRS5>LZ$5R#/KM%F5/LUHJTF/9)!,DQ,K*Y:9;4QF>O9=L5I3
MI/UK+MG?^X=:[/TCGO/_`$P7HE.J%E]SO1RW-:_R8^3<=\\\\\=D*95%&+54
M+9"9A5B\=3.K*H^RN9+^XN$^ZA"4_;>+,1$=8\E8S.U7_NQ/BE_Z)WENN2Q/
MMCP320WGF!`H,6J6D?<^,<3[?*LZ&)05_I"[4=M-]*%8,J.73`9"A=1-1E[1
M+?7%I$=(\)2G^Q459W^R^D?P>Q7<)$D>"Z-*"4)Z15)W/XA^7Z)F@&[0FKS*
M\DN2GA9&H\Y6]$4Z=>0AI[:HVTL8\2VE(^=]=B[9ZKI_32?ERD]>Z;9E,]JZ
MJ)!]6;D>9*OU>2S7_+GGOMM0YY/-]*K%7Y%.AQ[?UTT3?;CB$FYM<`ZBHW]E
MF=*P1%M*RVH]+^A>X^?^"><>WVDF#&&B-<W2^U52OQA!VJD>R=+XH8_VQT`-
M[:F.['_]R8T17QRHTC3$YNPITO3W_+^*EL1,T:B4_P!.^EK@2YWQ>Y>@W*C/
MIW4J%XM]*=EKM6YZ(*;[I!UZ,MMIMH']]K!*IU6R]3J/):&P,;5"7`AHZ-K<
M6)^6J$MN+2.L1[4/M/9NU]?YIZ>JUK[P6L_.^4>0?5#C:Q%=YM"']XE5#T!Z
M8X'4NEVTT,JZI+;$BCT*&_(8KSHD80-1]RVDHB[U%75I$4FFM5U1>DV*Z>I?
M/5YZ#Z&0G]L]]>Q.8QO/$UKG8VM4:G<-\_>J*S7+3"<:#1.B1CKM1&1K$7G$
M2DJ!(BV9KZ66(Z8.]1*:3$>4?@]I1I(<9'0"XB?"*B2L**2%E!LIB<.)#IS#
M<J%/@38KCL:9"F1G4N-.MJ4AQ"M*3O>MZWE<;NX#`8#`8#`8#`8#`8#`8#`8
M#`8#`8$%D\OYG,OL#JDOG=%E=/%#'`@OH\FH@'[Z-#.HE-NB(%P='JL,,8XW
M.?2J.W(2UM+R];3\+5\EK-*>#M-<]H#$3\!BCT]F!_')M._":K(5N)_$23OW
MR-5_&1"TS_'"#W^;\'Z?Q75?JI&]X2LL%7N*<:J-?34ZIR3F58JR!EE"HK5>
MH55"U](:Z+@N7$2D,-%1AR1EL<&1E$V--_:GJCM;?2O;:?@M992L<PYK2*<O
MGE,YY1JCS]QDG&<HU8J0`!3G(YK;VS#"ZR*'Q`JV2VY+FY*=L?2_]Q7UZ5]6
M_DE9G6>KCI?*N7\V"2:USKF]"H-<F(TW,K]+I]>JP26WIE4?3<D4#'08#Z-1
MUJ;^%-[U]&]I_P!-_&%F9GJQI7B/&#I2K&S?(N8&35&%1P5)+E:#5"!2GA(;
MC+L0-5B$L2]+KXJ*[';4W'B+990I"=I3K:=?`K+BN?*PARF&ZY4X%/IAJ57[
MD$KE@7S^L6:%6UWM[\RTN?Q@E'8&%1MF(IT^7A+4TT47K>WU;7\+T*ZZM?N*
M^'.1\YY[>:+T*K\NZ]$Z1?HG0[2"F<5Y_5>3P286L`*75AE*X]$AEZQ5A%=K
MM:C_`&]J<FS7YSTJ2[(4I_Z4%FZ9FK:&S<WYW=:@KGURH5+MM"5''1%4BS58
M&>J"HHA;#@F,JM%8,L-N.,<BM*CH^S]+"FT[1I.TZ^#-9Z^+)"*A4Z^N`X!J
M]="."J_`J0M8@(-&K&U44K:Q=9@*AQF50Z^-7O>V(3?TQF=[^4(U@=&7SR@3
M_P`S\^C4^;^XSRY4A^760LG\\I8`2ZL?)3/O0E_E3S=9<4.F/+^IR3`5N.YM
M36]HP58JT<?Y+>!\\1=>7<ZN`HJU76"8RT4FM6`>28J#\R34V9\(L,EQIC57
MDD)#@Y+B5:A+?<4S]&UJWLM9=V/S'FT08^$B\]H\8-*@"A4D1'J8%D9(%@BI
M`Z$&OP&X"8KT`.<+2ID5E2-MQY<EUYO27'%JV*RQS?&N/M7$OT1KE/-F^@6!
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M*FMD8["&W_R77?O(0E*_G6M:P5GIX(PUYB\UL`1=58\]<.9K`-5G6$KC7)J$
MV!#KNT1`^Y+%AT`-#QZK;`;2P3VRVC<]E.D/_<3K6L&Z?.4^%\XYX#IL3G(2
MATP/SV!'U$@T075P8^FPHJ9FR*8T2L1(+(2/'20WM_2$,:3I[?U_'U?K@K-:
M^+(QJ?4H<F#,AU:NQ)8PE83(V5&"#&)(\Q;9,J;:RL%]J,EV(2LTR<\Z0?;V
MEV:Z\M3REJ6K>R(__M'RG=[9ZE_MCSW_`'-CMRFH_1OX76_YVPU.@M"YK;-N
M_;?Y`TW,&,HCNZ3(UIQA"6U?*-:UA:S2G@Q,3@O#!X>]UZ!QCD\(!U%]^3TT
M'$YU4(P?HLF5M]4J1>QC(=$*W/R52G=N+((D*7MQ7SO?U;^164O'4:DB$#&Q
M-/JPML*5E'0[8ZOB82!)N<-EAIQD8F-$:3`*S!!!^*[(:^AYR,^XTI6T+4G9
M*L*<Y'RBSW`3T*R<QYY8;\`C0X8*\'*76RUP"Q!Y+1F!%$V6>-D&AL:"8UJ6
MRAE]"6I/_-3K2_\`+"UGIX.A$X=Q2`]T"3!X_P`MA2.L,2XW4Y$3G]3CO=+C
M3_S?SH_0'61"'+DQ-_<I'W4$=R4N?D.?5K?UJ^1661.<EY7:+)4[E9>9\^L5
MOH.T[HMJ.4RN%K)2]I<0ZG=3.3QL@I7-I=;2K7X;K/PI.M_ZZUA*RZLGC''I
MAFFV.9R?FDJP\Y:6QST])HE7?,T1EQ>W7&::4=%*G5=I;BMJVF"XQK:M_._U
MPM95KPKRKR/A59,"`]2J!FPVF1=?YM?)=(JT"VWD3<[O9[HX`MY2"/3,L(@6
MJS.1&F9;KS:F6M;4GY4K!-TS*5H\U^=&JJ)HK7`N*MT@!8%VT%3D<KHJ*J%M
M3K:F7+,)KR06A`VP.-+VE4UEE$G:=[UM?QO!6?-,+1R[F=WJL*BW3G5%M](&
MK$N#J;:*C7S]5@.`=(2#7"KQ4?+$15ADMIU$VVRG<?2=?;^GXUA*SU\7)$YI
MSF`.=$0:!288EZ*#@O"XE5!1QSL*L$9)BM0W83,!$9R+7B\QZ5!;VG:(DEU;
MK6D+4I6RUET@W(N3UVX&>A5_F'/`5^L3\B58+P&I5;&7`[)EMM,RI!FRPAC!
MHH_)980AQ;[ZU+2A.M[WK6L%9Z>#\?Y#R>5>M=1E<OYW)Z8EJ$PGHK]*K3UZ
M2P-9=C#F=6YP8JP::@1WUMLI_(^&D+4E/QK>]8*S2G@Q@?@W#:\)LP$!QGE`
M,%="\2P7$*'YW4!@FV'Q\YHI`-V8="#L0SQ>$281(9DRD.O-OH2XE6EZUO!6
M?-EBO)>5';K`Z4;YESXQT44)D@1=^*TRN$+J-!S(\^)+#0+3+&O'(8J5$*RF
MG([;Z65MR74J3O3B];%9Z>#KKXWR7=H#7IKF'.V+Y6J[JI5>\M4FM(M]9K*8
MDF"U7Z_9$C-&0X-F),=:1#CO-QTMN+3I'TJWK8K*N^">6N/^?^7U3FU7I%(?
M>"UKFP:T6UJAU,*=Z.=Y:/&1JS=KJH2,9T8M,(D,1/8DOJ>>BS-_<:6E>M*P
M3,S-4SO')0IZAFJE3H%+I!256+15Z\:>YS5[4)KP^YR8LRU0%U`DS%%%J_:9
M,-M18>I;+)'Z=;=W]:4+2*ZUE6WFSR[6?/M$O-1>?K5ID=.MD^V7AD'SFJ<V
MYXYN14ZY08-8JG+:TT]7ZS3QM,J4&)N(MV:]+?\`R),E]YV2YO"S=65[IH5&
M0K:T4RIH6K^*?4I-=#I4K^"2OSJ/\JU#UO?\-F_\X5__``YW_./]M7ZX9K*+
MA>%\1K<PP0KO'.5@"%A+(/GYP7GM2%3#AUL\/M+9HQ)@B&'B99NSB(A%,E]2
MWM3XK4C2ONMH7HM99\AS;G1;2M%:#2B>EE3)U>B%6!S/K.6(',K%A,J_(@N?
M45.UHA('39&_^=*@ON1W5*:6I&R51"/YU\^Q*V#IL3A7&XM0K!8D>K55C\QI
M+-;KQTS"F#2YH&#;!I&"2Q4<1D1Y,F.TV\^R^XA:E)6K6RUGS2NL<PYK2:<O
MG=,YY1JCS]QDG&<HU8J0`!3G(YK;VS,==9%#X@5;);<ES<E&V/I?VXKZ]*^K
M?R2LUKXNC3^.<BYY&&PJ!ROG%&AAI;D\1$I]'K%9C"ISPV0&=FC6`HN$U!EN
MB)CT53C6DK5&=6UO?T*4G99F9ZNK$X=Q4>WT!F!Q_ET)KK&Y&^IM1.?U.,WT
MO<S\W\O?0$,B4)N6Y7[C(^Y^XZD_7]]SZOGZU?(K+NUOD/)J;"BC:AR_G=4'
M08A>!"@5NE5H%"AP;!'$1#\*+%%C(K$>(;BU^`U,;0G2)+<&.ES2M,MZ2*RZ
MCG$>,.V8)=7>1<P<N5:%AP=<MKE!JB[-7PM>>U(`"`AY0G944+!R$Z7#CL.M
MM1EZ^IM*=_K@K+,63F?.+B8&6&W<_I%J/A!Q0.&.62J`3A@2).+B.&A8PF3@
M2IL`<7<'L*E,-+0U(VPWMQ*OH3\$K+HW+C_)>BBRH3H/+N=7L*=,0+$<$7*D
MUJSBS-@%C8X88=*P#8R=$(F!P>(U$8E/(6^S&:0TA6D)TG1:RDQ&IU8P&B5T
MO6@!2OCY`.7`!$0PZ<&A2JP0@EJU)B"Y,9V%&D5XJ,C28*T(2J)(CM.-;0MM
M&]$8$SRKE]C"VZMV'F]"/5WH!-LW?`)FGUXH%NQEF,)AM%[<+G#GX-D)M1`,
M%I,B8V\ZEN$PG2OI9;TD5ERQ>9<V@C-!(//:/##:J<:@Z$1:F!CC-46%N1N'
M2]0&8"(NJG$W+=^T.^C\-O[J_I;U]6_DM98R1Q?CLRWE.A2^3\TE7XY#V/-7
MB11*L_;S$#8:37-P2EE=%*-$(>Z]->@?:=?6C\-Y;'Q]M2D[%9Z>">"A0P&,
M'!`@Z`'#!X$,4($"H<<>,%C!\=N)`'#H$1MF+!@08K*&F66D);:;3I*=:UK6
ML([^`P&`P&`P&`P&`P&`P&`P&`P&`P&!IAUOW!SKD=LZ'7Y?/NQW>O<2&5\U
MZ"Z9S^I!S5!X2+L8Q%BCR+R^1M`:T&'Q-->:/E8U:%GY0@$^S-F-LM/-?6:B
MV9^EMPW8`+K*)#1L0XP[(1$;?02AK:<E.P4DVXR'$O;0J0X-5J0E&M_5MC>G
M-:^G]<,HI9^BC`U'LEVK4)_I3=<;>TL'1BU6DE",Z,ZPW(%0YIL^#KD<@PE_
M2UHESHR4)U^JM;WK6RTUHYC?4N:UMFSOG+[4!NJ5725NMK,BP"]3*[5P[DAD
MH>+P$25S80N#(B.M./+;TC3S:F_GZ]?3@I+BJW6.97811#M5OM3-#.GB%'N>
M/1#D#[MS$M0VR$J9783K[4XFF!#=TN4AMO;D7]=/)1O6]:%)=N5TOG$)I4B9
MT"DQ&$$(@E3TJU@F&DE9_P"W_@C%..ST(T0F_NT7[3.]_<<_):^G6_N(^127
M>FWBE#2\ROD;?5X!X>#D6>>$FV`3%+P:U$^=2[#,&ORVYL8'%WK?W):T)CH_
M]5ZPE)5M1?0?.^E1!UHI!.-8.4%^8#>J"^T1#-93SN6&(S)K*ACKSYQJR#"X
MR!#_`#)?Y@Z/$C,.:0M_4A#K+9:3'7JG[_1N>Q1(@_*O=-C`K`F$L`:?M`1D
M2;02DQX8Y8@BY.3#))GRY;33&V5KTZXZA*?E2M:V2DAJ^U,-++!G#X-^U":U
M/MCE.;-#$VAT'`:6I9%`54G]Q2/6ZC36I&VOLZ6K6MJ^<#!4'JM=NO(^>]AG
M.QJ<`Z!0:E?F6;&3'Q=!H=LK4*SM0"!%QUJ`J0/AR]I=6E7T;^VI6O\`'7SA
M9BDT2=5XI2(E9GKM]73!NLB'$ILQ5@$IB6V40C*F0(U9D;EZ9/2)T1&W641=
MNJ=;UM2=;3KYPE$6HW;>1]+?MT6A=%J5IDT.Q6"J7&,*,Q'I%>/55YABQ02#
M*EH<;2)>DH0Z]K6X^E*^-+WA9B8ZI63NM-""GSIFVUD0$BBXIR48)GA4`5&"
M374L0S#Y"5+:B,BY;R](:D*7IEQ6]:2K>]X15O>O0-,X-R.Z=7*/PK&W5*82
MNH^KBSH>,:MP\<.EE?M5[\N1IN7^2/@/O(<3I;?VF7%_/TH5O18B9FB[8\^#
M+>FQXLR))D#9*(9%B/(9>>'RW(L:<W%FM-K4N+)7"F,O:0YI*MM.H7\?2I.]
MD:V=Y]24;CG*YO104^G]#GKZ/2>/@04?HU6K@J=TN]W8#1X%>.6^8Z0'UI`.
M6>U-+*4Q)E0A\9YW49U2=(4:BVLTE?I*S@Z\/%S[89!5A)68,$QE%S4&%$D'
MBOPW""#YTY<)LC/F2/EN.VC6G9&]?X(^?TPRQA7I'.P4@E$-WVEAI04:Z9,1
MBMI!CY`D0Q,8'/E23,N<RY`&LD)33"WW=(:2\XE&U?4K6MBDLB_<:C&,"Z])
MM5<CGS:G4A0;YP8T8+J8A:)/)%C')29L]3([?Y"M-(7]+'^>_P#']<"L^7]Z
MI?1Z94[;+F#J4_=K5>Z?6*[9CP>,7.%Z)=K)2YL<,TJ2SLO)F.UQ<I#$=+CJ
M&74Z5KYUO"S%%J/6:MQX?[B_8`C`_4(F2W.>+0&X?[<%U\F9_P"4N0EC\(3K
M]93OU?;8_P#CVG".AN]4G42L3]W&JZ@7:1$B4R;NPB/Q+=*GQU2X,:L2?R_L
MGI$V*C;K2(JG5.-ZVI.MZU\X*.\/L];+%C8`5809([6E0T6,*/+0)A8`LBQN
M2/0;'1I#DP4J?&3MQG3Z&]NHU]2?G7ZX'P1M=6$&`M=+64`+L%D5)1709$P.
MA&#ZX37WYB`HR3):FE51&=?6[IA#FVT_JKXU@<<6X5*<8*5Z%::Y,/@W&VC0
M.*;&2#`=UV(D@TT4&-2ES1[CD!6GTI=0C>V=Z7K_`!_7!26*7T[FS=>B6YSH
M5';JA#[FH%G7;`*:]-^S/;%O?B&E3]#9/VB;R(ROH=5]+Z]-[_SWK6"B/M=V
MXVY<NB<^_P!S*:Q<>2`@5FZ6"F'(<"32J_96ICP8N?=FN1XD*#*9@K4M>W/A
MA.V]N_1IUKZRTGJG<NT5J!7E6Z=8@4.J('-F%V>66@1Z\@2\TA]DHHT](0-2
M.=8<2M+^W?M*0K6]*^-ZPC'R+]1(C(*3*NM2C1[2L6W67Y%C#LLV-PYO>@B`
M3KDQ*"ZS&T[U%U'VYN1O7_+^K`KOH/>J=0>@\CYFM^$<MO5NBMT#88:<$:,U
M%J1S/IW2H=I/A%R-E4@IT?F,B$TO36M+D24;UO:4JPL175P]_P#0%.\^TW^3
MV%R(3*2"]1%B*:P;$CK*=;M%]J=$DD1$$@^B1/AUU^VLRIFVFU_0RC>OT4I/
MR(B9E+`_5*S*@#9%H?C<Y)FCE[#!*W=[!4H)PRU0CYL1.+BF1EA*Q)XX@+#:
M+M):>5)C#9+6YC49_3S#0HB@CT?R2X\HC]@YC;0G4JX:K!BRTB%43U>9+]!<
M$B"1=%?J[5G+5Z#H^1;%.M--3GX;;3B=[D.,MH<6@4F)I+CY9Z#IW3[%TNHH
M5&K%IYK>C%-EUHT="*L!6($K%+L9"T0Q$68Y*0#BN71J&Z[\+;;DL*_YF]*1
MO8F)B*^"6="[3R;E%>BVSHW0ZG4*Y-*4P-$+F3$1B'(G]#L<&I4Q#2TK7M4<
M\?(M,M2/C\=*?K=<6AEIUQ`B)GH_!75ZV_!($K3MKG<-F_D^?`Y%VL%/@L7"
M?%E;C""59D#K&3CR8EK1K;HZ*\M@HMO7_-BM*_QP42[=NJFK`S4]V>O:M,EF
M7)CUK9H;JP2(X]$9R?(9#;D_N+K,)N:RIY:6]I;2ZC:MZTI/R1^E;;504\6*
M-V:OARAR9%'!1I4R.'SS!"=^3^%!%PY<EF00F3/PGOM--)6MS[*_IUOZ5?`<
M*+I3G"YJOMVRLK/5N$P2L01!T6HN`'2D[5&GFAJ96Y@J%(3K>T.OH;;7K7Z;
MW@0D1WSBA^[67G(7JE%)W:GU^O6JRU^'8QKTL0`M)8^"!D9+B']Q5(EEZQ-C
MK0AQ3L=QM&GDM_?8^X6DTKX)9_N'0/V$/:OYQ3_XQ89T,8`L?\F"_L)PD0DK
MAP!X<Q^;^WDYTZ8TIIEIEQ;CKB=I3K:M;UA*2_3'0:%7D%7#]WJ`-`*.Q,.+
M,64,,0&B29J1T:455-FL:'1Y!!:6$+>^A*WMZ1K>U;^,%)94U9*[6PDJRV(\
M%`UR#';E33YHI!%A(<5Y;;;4F45G/L08\=UQY"4K6YI*MJUK6_G>L#2;T5[U
MH/GZXG*M(%![2Q3O.UQ]'7`BGI%/K<J-6Q+BQM'KU8$%WE.V<]T&P-*8;6IV
M%#@Q?ID+>=VMME1J+:_6VLI_1!IL/7T64A2Z[>2%&&WH[2Q-[$VO041,:;_)
M*P2[<<.\=JD>6K;31?4*-%D?&E:TGY^G1)CZF;C7VC3"(D/$N=3E%C^C.P0N
M-8@[Y$UJN2'8=AV)A-3%226@4MA;4S[*5_BN(4EWZ5:WK"4:]VWU&T"[^6X/
M6Z(N^$*CSSG-^O,D'?:./LP1OJ_1R'/JB/%48\3&S3C0UD%/,G)#DN%^WC$Q
M-1FY\J<Q'PU%NE6Q42ZTV?.,#(%MK,TE7HC1`^/B'A4F<#@/[DZ8FF(C,I<@
M9$>W#>^AUY*$*^TOXW_BKX,TEC-]/YHFMQKDKH=&34)B7EQ+7NV@-5N4B-+3
M`D+C'-D/VM],><O3*]I=WI#N](W\*W\86DOBZ]&K5)ANZF3H!"S20-A.5:B1
M3M;'V^^*K@F07EBJ?`L)D+$)3W66-)TI;[,5G:TJ?=::^I>B.E(ZG58HR2N3
M/'Q+;$H3O0I7.9)P!N[Q`K([\Y[<H1")SMZ;8>_Z9<EI3T/[_P"B75I^-[+1
M\4?J5=MW)Z%UT@_%IX"]42K7QMNQDQ\-(:%9ZU$LZ89`BZ\S`V\.A25:=6E6
MD?#2E:_QU\X*:T2EBX5*2D$N-::Y(1:6HTBLK8-C'4V)B9%?G1'@2FY2M%VI
M4**Z\VJ/]S2VFU+3O:4[WHE)0"Q>A.&5,76#A_K5`@!;G>(G-*N7U9A<L89O
MDQQ]IFKQ9\&1)BZ*H<C.:=0M:=,;3O[NT86DK#8M=7E3;"-BV0!)(U),9=J@
M,&!STVLIF1%3XBK#%;DJ?"IE0$;?;W)2WI;.MK3\IU\X12!SU7Q>-+-5VF7$
M!U;H0SGNNH#^;<\M%1(6:S4Y1F8!23K\XQ8`M1D(V4&R&U?>)L:;^PI2]I3\
M;V7;/CT77_,*E^\E:Y_*:Y_(0(MHX<`_O8S]Y#!7];VR7*B_ROSAPM[6M_3(
M>;0TKX_16$=@%9JW:&)LJLV`)8HPXE+#$)`(K`+L0#$#:-3A4UT?(D-Q24+;
MB=/,+VEUOZM?4G7SK`Z46\4N<_8(L*WU>9)J<N,/M,>*?$R'ZU/F[^(<*P,M
M2UN!I<O?_P`IJ3IM;G_PZW@8DAU#GL"H,WK=WI[U5GK5&#6!%I!)!'"6W)$>
M,*$FUSM"YQ"9-BN,-M-NJ6IY*DZUM2=ZT'0Y+U`3U;E7(^HL15UUCK]`IE\"
M5\M,B**147&HP[BV$6II>FIY$6.E+^]]C2D[TPM>O\-;WHLQ2:)>NTUAN#^Z
M.6,"@9N$4):(K+CTP=C@?_YZ(?EJD:C_`(0C_P#%._5]N/\`_>;3A&/7T"AM
M,5:4Y=JBW&O+L9BDR%V0,ABX/S&DOPV:LZJ;INP.RF%I6VF)M[:T;UM/SK>"
MDM;'O:O(1\:[0SI&(!O%<+>AAU7YZ3,#V;)T:/YQEIAW`C6$?/X^FICS[&H[
M;JM.[^]^B5?;<^@NV?H7WRGI]7Z]1J]>*N0&RF#(8(1(C(1<:8EUDF7"#C;M
M;..#'WVHAL6P3;2^ROZ5IWO6_IUI6L),4T6-@,!@,!@,!@,!@,#R,[$)[9SU
MWWYQZK>?>B=7?]F3IUDXE?*HU7I//X)[H/G3G?`#]<[&=)G!K_.QG/SG/]&'
MY<B.\S.!3DH@?E3VG(>C<4FDUZ*W5R3L-.O8?AP[B_3;./!^NJOUY/7XPX%K
MF\CEXKPM&X[&L;YV4=;F/665T@+^U2!"(SDZ.IW4IQ/X:D/KA6*5]GXM@7_.
MYJL?U3B//U#Y5'`7M'E_G]=G<WKPT,+FN]"14:NW:H\Y$9U@=,L<@W&D*FRG
M7EKDR=+<6ZXI6U;J5]^OM4$YXVLCY.<<A<($M6Z]>H?[(BEXLDH/6$$;+S?L
M-([H+YBY;C$AY;Y6FVXH[5]1HDE3K#;C4-QUEO;&E(C6[V^2C.=>7>@E^M>>
MCMJYKV/FU)=Y[X=9HD6O>>N9%R7*[CYNNA,WTRG6JSEYV['P`48NC+A,C.$H
MW!M(,Y)TT]*?WMG99F*?6L"L>$%[Y=R`"<\QUMV8#\'^X`QL42JM2F_A>A.N
M6OB+X%4U,AU]J1T"W"J]/2R1WMQU$>,MO<AI/TIW3=[?&'9'<A[Y;/47`I=^
MXA9F(U`Z7SQH_8X')N2[J!_B;OCD]0;#:>K=P(O3NI7NZ$^B6&17)]:8>:B1
M84=G<B$_$0W.?)6(B:3\JH-6?.'3M<CXPU_VQV^+5N6<#\5U/LG'G:C4P\WH
M<SS]Z4.V+N5/$U?]T9`WC<^*PW9(R%.;B6Z*RVA*W7)FFU3P6;HK.OC*50?'
MQOH6^HV,OYBT/H%CY/\`V0%>"<QNU4JVI?,)_9Y'EV'0PS-1?DRQU%M74;#1
MK99(D%M+;@QHHZB1N+*=?9U4K$>/D_8_*/1]C]$<5)6WBEQ@E>>6^I(D6X#R
M[E$8`6Y>OQ+9Z'-NG2N]3),CK%QZ#-ZC8':[*K\62Q%@QX\=3\1^*VU/D"L4
M^7FW`N/`K'=O)7@WE=JYIJSR.?WCQB3ZA2C<,62B@X/-181VTO6"#+D.#YL6
MM$Q^OR&T[?2O;?QI+B=[ULE?>F?G>>'2O&'4R-K@A#]'Z=6^.%)GJ_G7/XW(
M^+\OZF7Y'(MWN#I/3:;9*H.LY!C7%(5HYV7KI('9@[2$BOV!I$I<-;,)#L:W
M1$>W^"U;]YBZ2B3UUKEW`2X6\&_7?8N>64P.KM<K0&U^7_:]:@5.V=&$V")+
MB,6H;S22V+/$F=J_/A/B'FM,J<VC2ZFZ/&=*?;#HUCS'TFDOU"S],\^VKH?)
M?,G?*YP4)RR$$KEZ-7SR+PGF7H>O^?\`J`:CR"KC%P@`+[WD5+4+7I9-G]@U
M.:C+>A1]*%8\)UF/MT13?BGJQ+C7I-Q'!I]9NMB\.VRA>=(C@^EF[;R%KHGI
MSV'?:QQRIJD$2(,'8.?<FZ#4H<T<P]^U-(99'Z=>C,?3H;HK&NE?Z'H;R+DW
M51/C?O7`8M4D\X[\Q7^RTS_=?]U?=']PZI<JF0=!^GH5Q7/)6)XAT$H:B$"B
M""_W"OEFI(U&W8L&(^\9F8W5\&E-:\S3;Y,$$*IXV(\=YL!__MP4ZR\RN]$H
M0?\`>K_Q+TFNS=4N\.OPB!4:<%\VY*6>%OVG6]J/PI+K$5R7&C:WLUN]OFO/
M^R[@-VZ[<^2$OV*]6?CS?(O0?++5`YOQCG?=[/6+GU![EJ:Q:(-'Z#/AH".R
M:O63@UBS#6W9@.1)0VYMB'.DO()9,1\Z)4SQ!&D]MKMFZ+P4+=T)]U=&N%GO
MM]JU/L!FU\M1X,?Y=6;=;9<K4M9407Z,.A-?B*2ME)I#<G3"5-H?27=I2OA^
M+3SE_&K3,,2>+RO.MME^DA/(?ZF`X_K_`.P5LFSP8MR1N-9+@FRW5XLHC195
M$#5Z?,^(GUI/*?1`85)<4IE,6OC735;-^\W],_C74P1_RS<.BW7K_!KMR[S7
M:8(FIEF?/O8G_4?J"\,6TV=GFV9/(84Z-TFC6QJQQ/A3[5:TU]?YL*#&>I6/
M/2OX,/TSSKV.\V;USSJG@IINL>6NI\S>YX-!@ZC:Y5XHWHST!S+V_P"GJF+H
MMN(#JE8BH48)'08]>*/,Q#,%"(2OEJ4A*X1,12?/_0BMC\4WB>]S9AZ!Z'F<
M>O-%ZD#!S87EWCLGH7&>E]`])E^FGI(?F)*9'C^;1)C4T<4`'A+6EP-!$;GK
MANMPFG*;H]E?X-W//ECF><?3?1.=)Y7T=GDO?^TFQU"N5WY=5*WTZ5W6Y'NV
M=AZ*%3=!AB,5Z_P,'6*T4L`^PDXZI@-B?&&(DD?N)9@&9UCVH_[QH'<NC]YK
ML&N\;L!T!797ENR\TO'/N4\JL90L0JOHN#<.O1NB=ENSB[?RT/S>KAXI$2-!
M?M\PLN;*W&DRWE.1HY;:4:2='X-?BL@;P2N<#/U+U*0XA_9*.L/7Y`BHC&>]
M/W#J',K<ZJMW*28:7?HO5ZP;1O\`(+*CP0CY)`V<[$6ZZUJ+$QU\*PV4Y/XV
M&VBU<_L5AXS:KA2YI/UI;35=[/Y]YCQ\#1KE<>+>>N8@(M;XW7ER*X*&6QBE
M$-[E?84J>661E;W]#Z'WK"3=I3QT5["\O&X5+.#NN\/[3`N1[RS_`%R'8'1.
M8\AI_7SK76O/XV4Q;JWT$(5<GP.AJ"7F$)</5\EI])48TE^.[]<9$F+%KY3X
MRWVZH]Z&,>%^.-F^$UF-T0IKBK/<N8U'FU2ZE_M?5V)8Z3;2G+^/V,L3J-BL
MU)E0HC@\4N27;$_"WHZ2CD%IJ368INZZ//L1XKZ$?XOU)5A\ZF"%O@^-/;M.
MXRQ>JERV#;@%SO\`ZR[!T?DH<$#ISR:'0;B1JDP"2@L@T0X0;?V68ZX_V/H2
M:W17KI6/N7]5^)6N!ZLYFZ6\PVJ;T2K>].[]WMWJEP%5OX]*X?T;B/<*_P`\
M9:OKA=-G,+AP;76Z@Y7DL+4*6$2ZXTW%;AOO$F=.NE.CY]A\.N5F[9V=Z1YL
MM/;S?4S?AXMPOIPD'63`GDP+BG8A5@Z8*G6<V4A$.=/5)]J;9TM1TZ58=%-Q
MX_Y#S3S30MG3K3JZ%<XETBC]PX9:`W%;?8[X:Z/V2G],'WGF%,MO%!_G:Y>P
M?15^=N8SI9`FR:Y%U0%3;X\89:@*DMVZ&0@#9D!]:6I0H3,3$^7\%/\`,_(-
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M&SS`%P[=?^;G^<VV57SIF'%JHKH-+`R17\A^6]U[\3;4I<5B6I>XE?*==%@\
MT\?='J).G72V\UBV#N8/V!Y*,VOLK$05*M1VCT'Q+Q#D/3+9%MLAY!YVH/6T
M98($IO:VU3%.25K87]Y2UTFZ*:=*?BQ?N>CP^D>HN^4$9YUL/8^H7_P!RNA\
M?O@4%7BL7C?0[+V;T:S5[27/F2<&7S.(+L+$,]_((R?F/JO;UIS4K4-E\6Z1
M6NE5+=OX/Z3ZGTCO,E?![7'L9+D_]B'-BCM1Y1R2C\XM`'H/)S=6X*[!ZF/F
MIZ?V2W]D8$!2))1"7H<)-:5'D18+T6&I4U6)B(CRT7QZ"\D#Y/1.O46E>6QL
MJG]+Y5_7F(K\RI<ZJ4*C?L/$O816R]RHQLE#U`2*=:H1X9/<'OITT7&PUZ;V
M]N(II%2+M(U\U*^A/'-]DVJU0D\IN8SSW-Z7[!KX^L\IX=RSLKX-/<J/YDU5
M;W4N5VPE#'5F"8?J5U@IL(N-J>'*$'%/)9BDIDK18NCZ=%A=!\HSZQS?N]ME
M\EZ-8NRZ]?BNB<KMHCC5`[F<ZGNG>7Z?S:FS^X4H_/A0;ERX_*4;@2FUSAJ@
MYR4DG$DCGVD3T$KK$>%/Q;E^D:I>+11_&MZZ5PM?1`O,K^$O/HC@-`%".BLC
MR!7@_0Z?#D5NIDI$>%T83ROK-K@2&8[*7Y*8["2,9EQZ&WK#,4UB'GG_`-DW
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M'7&`&KS1@N]RSVC;[UU.-^\KVP7=U5N?LBIT]+B])<AL1DH^ZIAMM$(FEOU_
M<U:?\R]?Y53P%NY%YKKL[HTBA_V81K^*(U*H%6+POL/I2JW"BB[Z+F&!,?I&
M[-2FYY0*'(SVX4QV.W">>AMN[VDM8GK.FCXX)Y+,VCIU5+]#X'8#?*H?HWOG
M0@T?M'(^/T=M`2X>,^#\Y&V>?QZC0H5-JL>QWX*?AL1'!C1);J5RI[293ZW5
M4F[32=:?BP?,^"])I?-;E3^K^7+M>^O=4\.<@Y_QGJS58K=T7RDQ2?(3G.+9
MQ*RV.86>)\I(C.HL%B+4EGZ1QIVT[^B0[(;D(;$S$S6)TK^+*E.0^A+#Z.YC
M*)</M`=SG5U'18UCJO*.2C*F2XZOQ+<N>1[3>>YOOO=4MU[G](/:KS]=BR(\
M,=&C1_OPW(K+,]^%8I\O-=7IJN)JGCS^O*K]*Y07Z$Y4NT^,!5SY+%&BSIN<
M2K%1?9*#4@9LQL789M8)CU3%P/NK_-W!4RTEUQ:&UU(_-/S2UX%^,NLVT9V(
MM7.(O4(A:/+/M\=YJ'62)6JX3X[.[WZ`L]GH_-13\2?(;Y39;/1B6WWD0ULZ
MK\<JN'MQK;#C6C6ZE-?&$C*\.;L-HF=AI?B.V<]XD#[+X>GQ^*D>54<=;G"O
M+'NNA.O=*`\A%D9T%N(,K=_J8.1/C;_**PJRZZPF3"B177B5\*ZTE2U7\7]K
M9KW58UKH/3[QU*J3+*KI%(5RWE5(YYZDYF<]E\T[A?ZQKNL8PP5[:>ZAS2F3
M6@T*PR&&H"#1`:3_``DRWD*+NC3R^[1=O>^*O=&(='M'&O'MOI\#KWA^P\SH
M0Y7':K0C5:O=2['8#QRMVJ%'?BR*++NE>-MOB]O;0P6:^XG:]+3]"B1-.L^+
M`]2\W]*L.NH4JN^9+:WVV%T?^Q'H]Q]"-AZK##]<Y%W?DWI$#QWGX7H*#:35
MP*6!WI-##)KLA*4`ET_[CR6&8(YQ^+$QYZ:/0KR5P??$>I=4:`\P&\SY^;X1
MY&%BXE?$B`8`E>:8'ZV'O7P/$*0V]81(U\)&FRW6_NOLHBH^ZXEI.D5B9K#R
MI(>;O0/8K!T*3>O-A\5+N?.)56[%4H'(N.\UY%+MJ_;WG#H3M6IA2JD7+GVX
M`CGP2QEUV2P3)[4UEV4XQN-+F3X"(W6(Z3\J+]N7G&?1NQ7RP6+R(6Z_YYWU
MCTZ.I/(:33*0<#03W8^#>0H--Z0)H!`D+!BP):PT6_`99C3;2A,\Y)D2/M1I
MLJ5JI73KKI^*_;ARWM-6_KL\HSJ#S(N3]+^5.=^<;I5.3L3A"S:[S4.9C^8]
M!H6R<HBR'>E;I5L/CUN;D_8>7K]%JTK6\)6-T^4M'COA?O53Y_T?CE9HY^?S
MCS#-XY%XK)@B*7<'>Q<YZEW3E'I7UD/K5)MYF&"MDX,;YXJ'L&<5$BGOI5"^
M7$/_``HUNBM?/Y0P78O.?:=\&A\OH''^O72NV7G_`'B[<S,N^9>#!.G!>U]"
M[(<MI/G92':)&X7E/DXMF,/L`)81B(4FO/*4W,AD8,2(_")BM?Q;+]!X!T!F
M_:M,S@YZU3C-K_LMK5:L(RL5^P$ZQ.[:[6#?'+++GNR_W.L5FQ)KA)#))O>D
M1)4EMM[37Y7SNI$Z=?)M!XS\^S>%=#FL".60.8TB9XM\85*7'!B@P420ZM0)
MW?(EYBD8XE>E$;:""F@S4R<^EQQYAR.C[[NF]:1&;IK'MK+T9RLF`P&`P&`P
M&`P&`P&`P&`P&`P.E*)#H4@=$FSX4248ENP!$:5*8CR"LYF!-*O0AS+KB')T
MMH6.D25-M:4M,=AQS>OH0K>@[N`P&!"J%T"L]*"3K#4I<B8+'6^_4:6[)A2H
M#B+'S2[V#GEMBZ8F--.K9A6FL3&6W=:^V^VC3C>U(6G>QT24J6%`A\HL;)CP
MXJ"WIV:3*S(P\?#:VM*-.RILMQF-';VM>M?4M6M?.]:_]<#(8#`8$$1TBJ+Z
M;(Y"F9(W>(U$B=(>'_@R]1$U2=8)U8CS-$_M?@JD*+CG4;8TO[NDZTO:?IWK
M>%I-*^"=X0P*TL*^<<I_E_5B8A@--LCU-&W*R`ZP5-V`\MB>Q4Z<T2BUH84.
M%&1<@_IAM?V5MPV'7''-MLI<6DNLZ++PB&4OG='YTS8V:/5Q%91;[:<OEI4*
MBI8=L-RLCC+ANR&)&]J?(%I^HS3>W75*VAAAIE'TM--H269F>J2SR8T4TR^4
M(01K$B=`&1WI\MB&T^2*S&!PL>RY(<;0[.)$)+;$=I.]N//.)0C6U*UK9':6
MRRXMIQQIM;C"E*8<6A*ELJ6A32U-+WK:FU+;7M.]Z^/E.]Z_TP.3`UQ%\F\W
M^>[83ZA7^;5VFW3JMH%4XI;*[42Q@Z6,WZU-/,#'7Q$`M*KX$W;9B9A!Q.H@
MI,GXES5)^C[J2UF8IX.2K>J.,7'^/[!G#<G5G&<T+!OIIML?V]$ZY9^A5"C.
M2DPP\I8MF>=Y>8;D/RM,QH"&&W)+C3;S2E";9AL5A#`8%4].[#6.53N;B#0Z
MTG#G6+]#YU3`=0`23Y*68>#&;*3)3TM+9BB:Y6JO79Q$C-D.MMLQHRM)TX\M
MII98BJUL(J9GMO/'KZ2YJ@D45;15Q%4*7#:K=BE0VK*9YM+ZU`BOEH0R2+@0
MG:1!=?\`S93S$/\`)TB)]W<IUIEPM)I5;.$=#109LFH)HC`V91`046(U,C[)
MI&.2'(C9%4#[GY28#DII327MH^WMQ.TZW\ZWK`[^!0]M].\"H=<N%NN74*U6
MZW0.I5GBEQ+%G)D6,`ZI<I]-&5>ESM+B?=_=34OH073.T)4SML@TYM>F_J6D
ML1,Z0LH-?*A8;3<Z2%.PR-IYZJOMW0-'T]N177;4+4;K[$]Q328^GR0C6I*&
MT+4M+*T*5I.EH^HCO-52M,6J?>&00QJX%*^(JA*RHB,I,SJT`(FRX4%)GZ3]
M]T8+*60A(89WOZ&W9CJM:^5J^1[&+MU_K-(GT4;89;\:7T>Z,T"J(9A2I:9E
MF?K=EMC<20Y';<1!8V%J4YS[SNTM:6VE'S]2TZV*)I@,!@,",F;>!`&ZA72C
M\UHK>BA(-6FHP8T1C22`BO%K3.;($AP^6,`,-A0DE:'R#T5AYY*&&UK?=::6
M'0'=`K)7H%LYC"ER%V^DU>D7&P0EPI34:.!Z&1O`JKR6""VDPY;LN;SLJEQI
MM:G&-,IVO6M.(^0FN`P&!T9I08-7`;(D8,!PK.0+&(FRX\59$FZQ(E-CH"7W
M&U3)SD:(ZXEEOZG-MM+5K7PG>]!WL!@1VPU&KVW8'=G`"CVZO8AMNKNRD-F9
ML+:`Z9"!1\;]Y*OQ2H],MW33R/A:-.*^-_K@2+`8#`8#`Z4`D.*LNR!<^$2C
ML32`UY^!*8F,LD1$Z0+*P'78[CB&YHPG$=CR&M[TXR^TMM>DK3O6@[N`P(R9
MMX$`;J%=*/S6BMZ*$@U::C!C1&-)("*\6M,YL@2'#Y8P`PV%"2%H?(/16'GD
MH8;6M]UII82;`8'1>*#(Y"")D$8+!0FQ-DC1KTN.T0(1ANXNB,B##6XF1+8'
M[G,_?6VE26OO(^K>OK3\AWL!@,!@,!@,!@,!@,#Q/Z[RHQ>?4-E*F+/Z`0+L
M/OKFW&R`JN=8Z_5J;K@93P37KG;*E!!UBPBP(ZFV;IT1$HK,8;;==)MZ;_);
M5]3>TN2)I'T?BU-)=CZ9^R>5@4\A>@/6><1O.KE9M]LNOHZ=T'J=<.>MS-!M
MH:I4&N$8M`LZ:=R^L_9O=BMS9:0Z+)LJG--,?9F/1:1K/A_!</[K>^'`6>N,
M0_0'2"-\Y_\`V8[ZO62/4>VK_?Q5$])A!/(6HC\.<:F\OA\XIAJ8L21K(YDS
M&KS4I<)$M[2=*J:3IIX*_P";W$,[($@^R=5N[7C<5Z#[!$&7#E5W].#*`JY.
M^;O-MIY&!K70C]D)]>/4*5=#G0)@5?[F\#)7-A#,)&UH@1=19CRCWJ?THYYI
ML_=KYTWR-+MW<)=9)N\H\)6;DTOJ%\[PQ=.L\R)<@KQ;O@L52`L3?)^DW#HU
ME78H-IFGW'C`26W`EO)BM1AKBZ3$1$_/+N@.;WVJ<JJ/0H=X]33KL)\7^+.]
M_?-]>[@;3(]!67LLT)?;65KDZP/C25AE4B,V*GB'XZQZ`^OM.PM)4I>Y*Z5\
M.LNJ4E>@3\KUO((]F,5+J<7?H6M='YQ2.C>B/][EA27JZD"^$7D+5BS4?G/,
M@O/>5K9:K!6IZTDL$,J=4N4Y^6ZBI%--&S=@Y=0JEZ-Y&-NC_1XW,^,?V/2:
M_P`H(6?IG92$"IL=0_K_`!-J&A&K)/MDF65`VCT"4VU%03DRXFB)%\6TI+$M
MV&X3PTZT_%NM_8I81E9X14B-AMUVI%0D>D?,8>]GN?G+37;$BB'>WTL1;ARB
MM*?CV>,`+@ICT4LJ(M+J!;LA>E(^GZTF;>OT/.6JCNJ6Y-K(\9M'<+15:!Q?
M^QBZ^)F7+UTR4(LY.LVOA0WSX2+(*EO_`/*8X'<C5GB4E%D62C2@"F7&D2(R
M8[R8UIXTZQ5&4VBC[GCX_.>H][)^#'ROE+?J2['+_P!YF2@5]*BO1+M['F+[
M8B?\^IR#%FB\X3TJ-`EPX@U<II$]$7\HGI577Q_-K1"1_7/]E.%=<0$N7=`E
M.Z+YC]Y"O-_[M&ZW,NUVZ<CVQZ*)5:0`C/P7K;/ZA)HUJ!$(LV4E)J4&=1.6
MXMAE]YMX%*S],+']*!N;],Y3_8#7.R%^JF?4HBQ]--QN?SKUVD0.B>8Z?T:K
MGN7V+F=%K!\722?.(O+(@TA,(CXDA]PZLFB6ZJ8F0RB$5B8I2C;/RY;*P']M
M],I5.NS_`'ZMWGG;]JJU[&=`ZL<E^>Z-5!G)A-;XMT*HV8B3YRL-;$$OWBHV
M>"ZT<,Z04U,9D*^^1D5FZ/=K.DL5_;!T2>"K%=I8]@K6#$WEO=.@4;I^KIWV
MO1(O2Z0$KS%.H%%JO!"0B?T+N%AEG5$*["*R?LL,BI;D>-,7MU#8LCQ5/`A]
ME>MY'N`,_P!AF]DE^OJOSJM1"]OOZJ`W1K+_`%[TFQRJS_MNZ1:YO'I9;LDO
M9&7)4.TEL[KZ]/MK:2A$73IX4_%)/ZZ7Z`4]"LG*/8NMVX]+\+<<9[B8Z66Z
M?8MP>]?[B6J9T403G]$?F,5SJ234MY=F`P%QFQZM1/JB,)4W]5+JT^E<?KZT
M2Z/Z]\W6&!:5=!+%(8&D5OS1'M?3*M9!1^W7B4)9]$TT739K5(Z..JL:0M-P
M&6IE,,?61:YD:9&<V[%)$C6V7G7Y]']COU'JT:W]HL\PE=>B>**IZ7YG0NJ>
MF]=8K'69G3;`GMA?I<VWJK\WD$NZC?S0)T+6%PA/[=`CKC::B-PGE1J:??1L
M%8B'<@MAZ_R2":[#!K_CZZ`Q@FP1S?0'7KX!]6>K^/WSE[$2PJE.R[RSQS@L
M$U69:UOS-PF)BT2-I5O>\III/C/]"L^C6^<QR^^O)NU[B^J%^FY(GVJ%NW1_
M0X(;3O-">^6>,#DPQ%.ER]4/@$RNJJD:,?IP]G;M1ER7I$O3;A:0D1&OLIHL
M7CMB,\^[/XR=L/9('J.7<A,VDU#GU+Z/W]XCRRFGNH=T(5GN%.6<EZ$=UY^#
MYU*@U>V%+K'20:A52`2B3W7GM1)A)UB?!O)_9-4*'9N(<[*]*;+MTNC>H/,%
MMLI<79+K6&JU7(_:Z<,L=D+DJ.7#D(P@0#)R''I+R]L0-?$OY:<80\V9MK71
MJIYYL9J7ZCYG'8MO6B'HJ7W#U["]@THQ8.DSZ77N!BY'4M\)GRJB=DO\YJE<
M9D-<];H\\2Q&?*#9TUQMR3MTJO4:G\OLTHW']@TASI71O)%#)$.B1J'8.F=5
M_P!P!M!NE\H;%@%#?.G5R007;3G/S(`OH$U:X\&6RTJ6RA9&+'_56_\`!=9C
M2)EYT\81URECN%M1+9WLE)Z5R[^I[J/4"5ONG3K03.=.NWH2U5WM!<I(L!&8
MD(_9*</AQ[(,B(AC]P([/Y$5#:=;W&YIKT\65Y2WT6M!>(.UR)<`1.4`_KJ`
MD-Q(MA$:EC5^C_:CE@`GG(C+#J@*HTR+LK'>^6DQ7VU/ITA:-[LI-/O^Z%'!
M2]FL/.Z<&YGTKTW*N]IY!P"%[U=_F_9V;%2/3%@]A^4ZZ6'MS"TGZ^5]#F`R
MG3(4Z!6_V^,U5XC#BFDP&1CNXOCK3V?5_H6M?"L[B%MK[+UFO%SI_'O8'3:?
MRORI8NE=UB77JM?LB?-98#8N26X4:GEN@VKBUEL);8H!9ED:],#G2,=;X]J*
MW)CB-?J>J7N8C;Q7EWI,^FS;J+D,R^?)MA;G"2V[Z'Y,_P!.ID?MIBHN5]IZ
MQ1CPGCKIV1'?&IV2CK;T[$_ZA#65BW\SS7Y91J5T3T5P@_1Y72+OYYYQ[7O2
M_-=MGW_LA@-%K7_8S./7]`2P&[(N5;^:1>]BI$>#(*.SX'YZB`V(YN"K<91J
MM(GSI^+?7WX5DB.8\T>-%;Z!XK)[O1(7I<]S@A9PU@$<0D"K5^;)GG:0['N@
M"DO]$17(]DFC7678]>?FJ>=:B?DN),V]?;1H3:"=V#'K.2\?S;@3&'.C-?[-
MDA1.V6,9>88G^ION,SEVBI^RRB#]V!?[H"`NV'3$B6RZ68B_6K;R6OB-13^M
M\M58^<J;9.I1.-5PEV^RW/DM_P#0_-X?0J1S'L?J*98:^<&^1/4)SI0OL%VZ
M,]7.@UMWHMLA5F2=K+;L.'"-C=[=:9D3EMK+,TKYT_&$1&5"!(EZLG0NU7KA
MO6;+X1L5$IW<>@6OL;F]PN6>G+U5YL"PZAV@*X3^WS78B(<)M/1K$Q`**+M3
M&IJOSM4\-.E7L+X:[-4^D<9J5;%5J?1[!5JT[.E55TQT>Z@I%2=Z)TBC52_4
MGI720XRP76@=+?YU/,5]V=ILHD)(B+DQF$.L?<,7126B_I[@U@[#ZVZOYDBA
M";M*[MS29ZVD6-T;.351G0:7P:\>21HUTSII`INS0[6;HECBL;<_(^0WY"4[
M2TM6C432VOE_I::6^W=>ZCSCF_=[)8Y'`*IZUF>F>C'++T*R=[XU#HO:J;7>
M"\-\[)/D^0"D65FSA*3RZQG*P'-J8#$I;CJM(>FIA(V:TC3K1_0[:+':J!YT
ML-M*##'6+O2^*EK$1#T5J:#/])M5<HSY*8-I[,=E9$.7N!>&IH>EMO;\=Z0W
MI*=K3K6'%UGV/"O@]B/V>V.P05YEO<P%]NXS=*W:J.5[]T^E\S.6[RC[$B7\
M_5[MZ&=.6BU%:O/%"G2SC6HXS]Z:TV["CD7IK2SDG[?XP_.;WJB2:IRFG]YO
M/0(?ER@F>^5B[>BN5]?]+R>>>C>_1:#P*Q\NZ-&O3AA?50<L@".7-O\`CVB4
MP*ST,2]'A22$UJ)\B:^'5[9^6IG32'E/@\_LFC*.L3.(T*3?]V1E0^S*M;U0
M'.%G;/&TEA4"S.RU;61;^EO;,W;J?I3\?&CCNINFG2KP;X^==Z'Q_DL7B_8?
M3ELC7;@OCUGU]89'2>U/VH5V:T^M_+0")]%C,D/W*@76P\Q(=`C%4`%PDKJ[
M,20]K4;4"0HY)]M.L_<O<B#+&NSEN-B[]W6N>D#'IR^\;<KXV_=<_;ZMX'E<
M7LE>JEJ'C91I=-9IH6K."C,*T_Y%7.E)^C9!1%;[&XGA72E/M86+U'UWTCF\
M7LP-SLH+K-@=[=Q^LTJ/#LL"*F^^;O!7<Z^4*,U"2A(J8FS>R5''1<F3'5'+
MZ&!GFU.IU&WJK2V)I/3^/]"F+,3I\(K?2OF*\=(,>>SDOPL'[[?^JW_TTU56
M`":_[1EV(=8.LQ4%NMUT`KJ<VHHNFA<AJ*+*D76"NX;$@GI(BO\`6ZZ^7L>\
M/C6)9H/F'CD6W=(@==,-U92F^BBY=E)0;*"=*DGJH\R9N33-LL6X%5<A1%E"
M2?S2BX^Y;NU+>VK9QW=7A]$Z6?Z;;>Y3H'6)/F(%>N,WZT=0%62\^K+1!YGT
M2G>I.'0@'//0MLLED#0.=6B\U8L=KA*)0E@Y0.N&)"XSTF%%$2LCDZ>WZDK:
M['?Y!?G=SX\(LA'JW2/)]WI'$/.6NC]F.7/S5;ZKS7O4JG]U!"[.U%J?:^&=
MK(5\;]!FXCAUA85*!.:VXX\V.BTI'2>E4'H-3JUCJW$.@].Z\S>^2UKV!YU)
M28-=ZUZK.R..7@QQSJ=>NYKIMMZ1+KMTKUBO]T)UAH@&DZ;A"#:WM.M1W2<I
MMR%>L>-/8]JO=L2P$?,]I%5@S=J^4-7W@@)PQSDP<KUS@A3OH'EPBS+"G*VX
MR;$K<K4V6A^0PM"FHRG%*5I.E;U6+>KRQ'Q;GYZLEBO]6@^E.A1JOVSW[SEK
MG6^J=J//6'B/-^"7'H?-.9U39DO8=!D)O8!A5?-,1Y!=B9)6W$?>TYJ,HWU\
MO!@_/0PKU^XA^5O7ZYV+@9'US2W]ZXYU'T\WSTK5C?A3O]HM57']5Z%9=](M
M=&D].K8MXJIHC'$O6%G;?V8\UR6PH3IKXT_%"I79NDN"_*`4R2O=?ZKSF-YJ
M6!N-KN?HZ=T+JM:/>LB=#N8NJT&MD(G/K(W4>8US;%^L=M;+2G!I-I4YEIC[
M$M^%(U\F`N'1^DP8\UCE?1N[+]F$^)^\R/HRE?S#L)",&N%;ZCRV&-EC*:AX
MH%KEBI/-BA+?/4U>`F>_7UMR1[4KYBN;$1'_`&=%A!Z58[Y51@X=VVTW7E+=
M5]R='Y\.\[=M]*D:G3S%3Y)YKU2:>2Z/:RHWH%RFU[IT@[914.;)?CP"1%<1
MA*DPU,-BL5Z:Z,7>-=8H0&!4TV[H;7%SQ'Q9?>]GNQ=0]#Q:XU*Z;Y]]&/7L
MS<>FTYPQT>D5FW=NJM*_?FQ3T`1&).,IFHB09LW:Z12=?'58M?J?6&`,OH%@
MZ_U;IU]Y!1/ZU'.:7VGWOLC//SR+AW6T![]:(%8($8,2^2;GRF?#%V::>@3)
M)"!'U(DI:6ZMQ1-*_6]!/Z\*ESFATGOU.I.RL0V"]>^I&[N#-V>\V$H'DD.Y
M7PQ3')+5X+EI(]H_SLB*),.1=H8(QI;<U6W77UO+,W5F:SY0T&]37SIU.[+[
M1K_'+C8NL](N?,W[!%L--M7:&;CY+Y]4I/#!_1N:G.>5YLM4X86U4^27L%1L
MU9B,W)1=^>S&BS7D_EI-1$4BO1V^*\A/=I)\WY^]W^R6+DM@KOMP_P`](<`[
M3Z#FT;GLQ$7R4`I`0AT.V%15PZ#-Y_<C5G-A6"LF3#@/3UQ8Z5-P?MM"9IK3
MR_%A173_`&!TFB"^QU[?7@_7STKM''*K1MQCHT6OH?F_PAW"ODB2JH3^U7Y4
M6T^RW#;@Z7-8_$*H&!WDK<0F/O46EL:>'\5<]L/48E2^,"?.7<['5^'G:1VW
M=XZIV?MGKL26J/LK]AXOOGTCH]D"R"UY#]A`UQX\2@U8QN`#E&F9FEQ%DD1F
M\I%:ZQK]'1OKY3L90+[1[30K#=T]^M=HIY&X67IP&R]1CHXK+K,CG`)[AE^Y
M78'5\NJ,,R7,3"5*(A-12)$=!))FP_K:<GSC-WY?)U/[`:SJ%W_S]TRKL'F>
MS0//WM"I\%(PSUPABI?>':51;#R*IZ#P"T6DE3Q\D.).QH15AQLDB$M*TNZC
M-Z;%O28\*P[O@(W7274KQ&XA<NIWK@Z?/O"R%T*].LW3K:]"]033'0OYY#T0
MZG+FEA/1I=/;%/7(1$4RR/FZA;?C1Y3SNG!=TUZU>KF&#`8#`8#`8#`8#`Q<
M$V%)S3(T:7%D"-=FQQM@@09\27-!$98R":B0#,5AUQ\9-E!R<:6VT^E"UQI#
M3NM;0XE6PRF!BV#8647(@(Q<7).AX8P@7",3XCQ<7`-+(-!IQ$:VZJ9!AEG!
M$M,9UU"4/JBNZ1M6VU_2%9=BX\SV(2+$O=*[!S30V7+?<(\>OTZA%2L2?"<@
M3!96;#CRE/Q'&'/J:=;TU,AO:T[%?9=UI>%B:)/0A?/Z2%%<CY^H$+&<LJ]3
MK<&E"R;<N93ZK&%[&4^'-A.2Y16'$?%AE(BNRM[7)3'6K2U[2O>":]93K",4
M=.AJN$,66QE8`.O5X40.'3964S!%APPF(]/)E"4V0MN/#@#X4=;KSJU)0VVC
M:M[UK6\#)-N-O-MNM+2XTZA+C;B%:4AQM:=*0M"M?.E)4G>MZWK_`%U@0?H'
M.*OTR!71MKCRY$6KWNC]'$)ASI$!;=HYY91]LK,AYR.I*I$1@R,:4ZPKY;?;
MUM"M;3O>%B:)WA#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`XW6TO-.,K^=H=;6VO6M_&]I6G:5?&]?KK?QO`B'.:%7>5\^H_,J@S+CU3GE
M1KM(K,>?-?)38]?JPB($#L2B$I2Y,Q]D?!;2IU>]J7O7SO\`7>"9K-4SP&`P
M&`P&`P&`P&`P-=Z1YKJ--ZF1[#,N'5>@7!8VT`ZK_N7?B5M#<VKUV."[%;`7
M/Q#[4>,(B'"($<EUZ1^7-1%'QXK;Z(R/M;+72C8C"&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P/)2\7OK=F]8D>(TWK!'CP&Y>JK+3K18N>4OEJKV0J=8_KXY1U
MD8-:.6^D6F*X7:O9-+_[G.B3YB!K>H"%(C:9TP;TVU]GXM?T^@_05UH%/,]8
MZW>@%?\`27BS]OXV:XKOCP\,QWMGS+>^H=05TZN&*F9Z56[H3C4Z8>JQ(4ZN
MK,0F-0WVHTM37YT\%I$3IX2KAXET,Q2^)TAGT-T<.R#'?TSFY73P&N40NBV?
M77NJ]?%GH5VNBN<R&+2!B:APDCXLMER.AV)K[FG]RI^I=\%TK6GFM_M/ICIU
MHXZ3Y^KM<BO6FWL?VYUTVY5U4H=?HM=\V'.JB.;O#FW`LUT+)IXD8)8>EMQD
M/N)D-NNKV\\V[D(B(FOS.Z`Z;TD5>N=\/'=\)5H3T63X[H-A]`N`>//]66(L
M7G'T]UIYC^7R:)JIDK'>K5S457QLDB,FM0H\QY$%E,Z0EU52FE:>?X*^G>G_
M`%&7H_5;\,]*SMP?-O!;1?`SM?HW*/V#T`;YU[%])\8!7N[RY55*K9JG3>8\
M@@JGQ*XZ'C.RIJI@]V*A#*-Q:6UCVS^#(>B?3=ZLUB]!UD'>+P3XOT;BW]B_
M.EUSH)'A#(G^1^;>?V2OG)O+:=2P\7L]>$U2Y@9\"40M,^0DJU,2]N,TAT<Y
MM*1$4]NCT"]*7NY0K?Y&XP"ZN5X-6.X&;M`M/5J]#ICMI5,HO,WK56>95(ET
M2NVZF!#UZD(DSMOR!LR2X/`RV(R4.N_>:K-L:3/6C7R5Z=Z\Z]"Y[6.S4M/3
M2WLOTYPNI.7EBK(C3*YS_P`E=AZ/SUVV#0P^#,W7A-N$5XZ4FPF&7G(#B?A7
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M=_;4_H7-^6V;KA?GJ9`_U[>ZI)Z"KSS=;3?JSRX+Y:F\J'=SLG(Q!.F!`P6\
M]3/QRFZVV+*D*VQ%VXXQ)=4_LS[M*_+Q;9^&^R$K?2#7..LWBVE_1_/;5.K?
M6Z_T0SR0B4;MT:E\ZN9N1S,AR`)6JK:N2_M71A!`;);B:(#V##,4FB-+3N,V
M2Z*:QT;V89,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!
M@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,".?P^H_O*;'_%JY_(4D
MGC*3W[(,_>4F)(&+5I!5)3\7\[1)^L061JW_`*_NJ@,HC[5MI"4:"("^&\4!
MVN-?`O'^7"+Q#K;%-AW(7S^IP+5$J$:*B#'JL6PQ!+1:/7&(326404/:C):3
MI&D?3K6L+6>CJ->?N#,4Z=SMCB?)&:`3'"@Y&CL\XI[50GB01DA8P8N96T!T
MAI(X+82\J?#86SMN-,DNO-I2XXM6Q6>KOQ.)<9@6\YT&#R/F,*^V=+Z;)=XE
M"JL:WV%,H?H1)2<LK(E!DLF0*UJ*YJ0\Y]<?7V]_*/\`'!6>G@QW_;YP3^$R
MN:?[)<C_`-N9PX.'FT'7-Z=JF2Q-=E/SZ^,DUC0;]D>'@9TIUZ$RIC;<1UQ2
MVM(4K>]BL]:ZI.WS'FK(E0%KGM':!+JHVBJ"MU,`@2JD!E25AZ<H<D?J'NJB
M5S7MQA_T?B,;=7M#:?J5\DK+!)X3Q!-ELUT3QOE2;C=&9L:XVQ//*CJRVR.2
M%K"$6+*=T(_=#K)`,ZJ(^B4ZZEV*K;2M;1O:<+64AO7-^=]1K$FD],H5,Z)3
M)CD5V74KS5PELK,EV`XEZ"Z^"/09XMUV$\C2V5*:WMI6M;3\;UA(F8UA$U^>
M^!NV"9;'.(<A<M)$&Q6"%D<YM35GIU;C5]ZIQZ_++J"[GR`C-5DN#$Q5N;82
M/7N-I/V=[1A:RY@_`N%5X/3:\`XOR<(!YU9'+ESX*(YW4!HFC6]W4M+MJIXZ
M&'9B5JR/)GOZ7.A(9E*T\Y\KW]:OD5EV*OP[BE(CSHE,X_RZHQ2=HAW@E&K'
M/ZF!CD+H.?U)'V^<R*$Q6Y=H@2=:<8GN:5+:7K6T.:W@K*2+H%#<8_%<I-1<
MC;AVP=N.NMAE,;'WZ<@I>H/V50MM_AW0FA,@LU\?01?UIR1IQ>OG"5E'*QP[
MBM)"QZW3.0<NJ5=B0K*-B@:S0*H!"QAUTW`W<8#`L6)BP685LV*B_N324:;G
M?C-??TO[:/@M9GJYJ3QCCW-&`T;G/*.:T&/7&+#&KS%*HM7JS(*/;9(B;:V`
M[8,7!0,9LTP!`>()9TA,UV%'4]I:F6]I$S,]5EX0P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P/S6];_P!-ZW^N]?IOY_76_C>O
M_KUO`_<!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,!@,!@,!@:/>IO[%_(_CW3L#L74H&KHEA,B/S.G,[M
MO0Y"'$Z6RI^OC7-I!LR$;^6WBCT".YK_`-KF\_2O1/[2>O/W`IE]/\*[^75I
M/(RS\+!'G2^[\\QXQCB^Z/&'Y?Z[_>/]OOVZB<7J/GV?S&(K''Q?[W/-=8K9
M;-,=?"<MV.V?"7B!U'_R3TIER(O%/+[C\)"UIC'.IWQ$*2^WK?PVX[5ZD*(-
MQ][U^NTZ+K_X?.?2?9/\GLSCB_U'WJ(R^-G&PUB/FR9;HF?_`&H?+G?O\Z^*
MW)./TUV2;L/ADY.:D_3BQ6TCZ,TJ#8_\D+U$F3I<K@?`WH?U:WN.Q(Z'&D[1
M\_JG4QRS2VM*WK_3?V-ZU_PWGM-W^4'T7-E+.Z=TC)YS\"8^KX43_M/4;/\`
M.IZUC)7)VKM<X?*(SQ/USGF/]EMOQW_R1.;%I<,?WCSQ;*2RZM+<FS<VLX^]
MP6/J^-??>KIN#42C,=&_U5IF3,=^/_:A6_TWZ%ZA_P`H'>./CNS>F.[8.3=$
M:8^1CNPS/LC)9=EMF?GMLCSF'Z)Z:_SI]BY62W#ZJ[1GXMLS2<G'RVYH^><=
M]N*8B/&E]\^42]VO.WK/SOZNK;EGX)U.M7Z-$:8<,"8;[L"U5Q3Z4_0U9*D6
M9@V((I2][0E<B,AIU2=_;6O6OG/F/U;Z$]6>AN9'"]4<'-Q;[IG9=,1=CR4_
M\O+;-V._SF+;IF/&(?5GH_U_Z/\`7O"_7>E.=AY>.(B;K(F;<N.O_F8KXMR6
M>43=;$3_`%9EL7GJ3W$P&`P&!X&(N/!KA,MMR'=%D!_&UD]#O!;V!&]9NJWQ
MKU/XKV]L3TZ^.1+5)M7/M]D[:S$_9X;SL)1-ZN`)6V]RYZ6,CDU_[5&RU,T5
MA'`5B[S:+%`W:_ZU:&YV!OJ=UM8"@![?`*"X1B788;<^$-I1>61.S/WV=%0P
M0=2K>G7-H8:2BI\WFB]`,V]']=LF6H[:-U^)W@D-O5EYD:OI>#!\X,>I4PNE
M$N#6G?WNG2^2B>-_GI#DFEJ*1@+3CL!S6FHB]%G\_P!""=VG^<QZ##%7OQ"!
MR`?Y<MYGQY.YAT>X2@9GTZB\W1%N_P!MS%:L$G5R[4)(ZJ;809MZ9+TF5-;B
M1U-.$$X(KX]:Z_,UUZBOL8!CT[<;>4<J_P#,:SW@1^Y1;MU*.-LUIJ/4?.F[
M$)Z6PS*8!4H#0Z[(+.5Z36]NOOU]XSO;L?4=3<J+%-/EYMX/292OQO(?FIP+
M9N',4>7V^CCS1F)TV\1_.TD+N+T),R.4Z(*GIM#]3_?F&DI4^]MM11#+3NOH
MU\94M_-/S*SOW5>EZZ]:NC5@'T5'#H7/3ODD+>*E9(,OBJGY7%IUY'WBMB-W
M+=YEVG_?W]OJ$`_H$J-N'K>OSM:4K!$12GCU4[R,5W2HS.01!Q&UP+OS#IQ;
ML#?*:;;.CGZ';*>KQ_S<LNH09=[7^Z&X78!I*QK^Q/8;AB>A)<=CM;5$W+E1
M9I]"0T.P]>O4+S1;>>VCII$S!D<8ZU5A<PQ:1C'06('C;IMKE4*XPBK[;?[?
MTF#(<@26B"-_AF)4:8M.I<1K:24B*L!1NTB]U7G_`%7I;)NZD)-4XS<_+-+Z
MI>^G\]U:!]I[5?6^A/U&%"8EZLOH,3/GAF9(>?&>EQ0[(]G7XT21*4[5IX-N
M?.M409M'9Z#6;%6>KV3C_;0'9V^X0K7:2L7HAH\0ZTS'Y=T=<N67&TWL/.([
M*A)IH9^1`2$G#)284-3J!T8S/A5OEQSGUAI,GJ):T-5)@MT/I)2Y_CTK]P8"
M,#W!(<*,2]!G0H7T'W88=+I.5K[BB$]UV1M24K0RT9F5UX0P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&!_+5_:G_`'5E@1NR>;_&-D;A30\B6"Z3WP2XS)>C$F%*C$:MRF3K[L=#
MX]W2FIA[7U[0\E2(/PI&I>?;/['_`.7/!RN-A]7_`+AX9NQ9(B_C\*ZL1-LZ
MVY.3'68NC6W!Y4G+6OPWPC^_G^9O/P.3F]&?MOFB,^.9LY'.LF)F)C2['QIZ
M12=+L\:UK\*E(R3_`"O$2)`N0G%R\^<5+%);\\F4)RY!`D2G27-NR9L^?+<>
MES9<AU6U+<<6I:U;^=[WO/M[#AP\?%;Q^/9;CP66Q;;;;$6VVQ&D1;;%(B(C
MI$12'P)R>3R.9GNY/+OOR<B^Z;KKKIFZZZ9FLS,SK,S.LS/6=74SD<!@?F]Z
MUK>]_P"FM?._TWO_`$_^C7SO>%B)F:1UE)?47ISI_B63S/@?GCH=FY7WJHFJ
M_P!N](]`I!5T38A/2909Y?,>`R9;'^$T'R6E'WIEE%2DO0I=G/R8<QES]J;U
MKY&]:=SXG[A]\S\CDVVY_3'&B_C\6R[6S)[T1GY41YY;[8LPWQ28PX[;[9CX
MMS[X_;/T[R/VS],8,>.N+U3S9LY')NBL78XI7#QYZ3[EMTWY;9__`!;[L=\3
M\&R7];'])7][U=]_LP?.7H](&A^O@XAV2(G#4-":;WX2)B[>)&*I!6YML#?1
MT1I4DH"0I33C*5RX'_(0_'A_*'K[]NLOIJ9[GVO=D[+==K$ZW89GI%T^-DSI
M;=UB:6W:TF[ZR]%^NL/J"(X'.IC[I$:>$9*=:>5U-9B-)B)FVE)MM_I%S\L?
MHI@,!@?GQK]=_&OU_P!?T_U^/]/G_C@?N]:WK>MZ^=;_`$WK?ZZWK?\`Z;P&
M!^?2G]/TU_COY3^FOTW\;U\Z_P"&_C>\#]P/SZ=?'T_&OC_A\:^/_P!'^F!^
MX#`8'YO6M_&]ZUO:=_*=[U\_&_C:?G7_``W\;WK_`.K>!^X#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`\,/[QO=I+S-P\9PWF1IP7V+OT$I$DEA\A3)6D\KB[U!LAV&\TI+T(
MO9Y+W[4/>U\*;1^8\VI+L=&\^F/\M7[8X?67J6_U+WG'%_I_M5ULQ;=%;<W)
MGWL=DQ.EUN.(^)?'29^';=$VWS#Y8_S2?NMF]#^E;/3'9<DV>HN[671-ULTN
MP\:/=R7Q,:VW99KCLG3W8RW6S%]MLOXC-:TG6DZU\:UK6M:U_IK6O]-9_2-_
M+>9F9K/5^X0P&!='/K`!X91KSZZNXT>6$\:E"PW(ZJ993(&]-],V.-,F<OK,
MJ$[\(*5>A-#I%PLC7^3:Q@=N"Y]*B;'U?DG[L^ILO`[9C]+]LOFSO'<[;K;K
MK9I=AXEM(SY8GK;=?%T8,4]8OR3?'_A7/WC]B_16/O??+_57=L<7=A[5-M]+
MHK;FY,UG!BI-(NMB;9RY;:TFS'\.ZDY;7A58;">MU@/6RU&"%BM%I-%;)9;`
M6D+EE3M@.SY!4T9)RG-[<DD"A*6Z^\YO]5N+WO\`]<_%L.'%Q\-N##;%N&RV
M+;8C2(B(I$1'E$:0^H^1GR<G/?R,TS.6^Z9F9UF9F:S6?&?;.L]9=VF7.V\Y
MM]7Z!0K$6J%XI!\3:JA:@4IR"9KMD!3&B`@P,EM;TMF7!F,)6G_5*OC:5:VG
M>];SR./@Y>"_C<FV+^/DMFVZV=8FV8I,3[)AKB\G-P^19R>/=-N:RZ)B8TF)
MB:_QB?"=8UA_JV?U(_V`"O['/&%![C(T/']2!NO<Y[K6Q_T-,!>J5F)"46FP
M8FM[7%`W`;-BFAZ/UTU&GZ8^I2V'-Y\;>M/35_I;ON3M\5GB7>_BNGQQW3-(
MF?&;9B;9\YBO28?5_I3OUGJ'L^/FZ?J(]W)$>%\1&M/"+HF+HC6E=M:Q+TUS
MU-[(8&`M9]BIU:RVF3'>EQJT`,'Y$6.I"9$E@,.DD78["G=I:2\\W&VE.U;T
MG2MZ^?TSM<'BW<[FX>%9,6WYLMED3/2)ONBV)FGA%73[AS+>W\#/S[XFZS!A
MOR3$=9BRV;IB*Z5FE(J\!>??^1!PKH-XHU&@^>NP#YEZMU6J,*=+-4=<6#*M
M)J`$C2Y2&2BGEQXKT]*UZ1K:MI3OX_7/J7NO^4WU/VKMG)[GE[KP+L7&P9,L
MQ%F:LQCLNOF(K;2LQ;2*OD[M/^<#TGW?O'&[-A[5S[<W)Y%F&+IOQ4B;[XLB
M9]D3-7O38>@4FIGJ?6++:`P.P7^8:@4P22FM19EDF5P%-LYU@8VYO7WU"0`Y
M^6_OYTEMEO>][_TUOY0?7M)E7VO2G#$T^=?Y71@@RFC0T&R2[`;:)@H"*V5-
M(KP>QM*,P(+LJO&R[J&H,YI*XLW2TK8<<;4E6RTGHO'"*ALW>N1TXK:PUDNL
M$9+HE=E6F[/*A%Y(FH!H8K]]<79ST,?(!@B#H;:9;$&5):G28[C;C3*TN(VH
MM)ZL&/\`3G#BFAVH-Y0](*TV+?(`[==MC)AZO31:SL)*@KX%HLQ8I8)M4YH*
MXR@RY"0I],7;25+T*2^"'J;SP*"KL1+KU,@!6>?P^IR2$HE]AB%SV?8F*E&M
M1#[C27!XS=GD)@+V_IM;4K2VUI2I"])&V4XF=;YK`)="#RKF#06Y0$`V/HHU
M,G;TZHA[1%+3:Y++QF$./-*.10<I<5I.E//Z:_P1O:D?4*2A4[T]P<8N<T3Z
M(,&21ED75"<$D/.P"0THW$1/=DD1LL4S/@UQF"O3RS#K:!"&?\U2=)UO>"DL
M\([OR0^X>8!W8<7DUG=O_>X@V,3F3(3=#;&.6F3J(Q!7)DPAR3,32'V4N,RE
M26TQUNJ7K6Q25HCR$$M`A%!DN//&DHD8@/G1'4/Q9L&8RB1$EQGV]J;>CR6'
M$K0M.]Z4E6MZ_3".W@,!@,!@,!@,!@,!@,!@,",V6XUJGM17[(5:%M3G7&8J
MW693VGG6D:<<1K45A_:=I1OY_76M98B9Z),Q'5"^C=<&4/EQ3J\`-.N@$5#0
M3?CBC5-J[BA*7OMS2*BW2+-2:U#8A-)4K>I$UE;BM:0C2E*UDZ=5C7HIVV^X
MO/%4Y^0O#UX'O38(H%,_@LAW]JNJ2]FIXJ]!*F3#3D(=!61ZN'8+S[$O[>H7
MYT;4C;?Y#/W#6V:K+.^@N=U&YV>HW4HS46ZXYSR*W8#+R6PY0ET9-F4*@M/-
M)=V/U#36'=R'Y7VHS>G$[VYK7SO"4F>C'(]7>;G"HD+KM7/4DCA,\'%,N6"(
MRU+)UF:7&G(:9CJD0FW8)"O$F-_6XG3CHR:A&U*B2=-#;+`'O:'F2NU&?>)?
M604ZOBZ^_:2+H&*8L,^""C6350<FSA`4;-*0/KL>EQ6VWV6W7EL/;;2I++NT
M%VST<G0/6'-^;]'F\Q.C;>^=C\?@=H@SAPF$Z$-UV;<7J8X#%39)2(\Y;H4A
MG\YR"XTU]0W3CS:U_9?2V(MF?K=FP>P?,]9$6(T4['3MQ:N8,U\I''S72I11
ML`'.GR@P6'&L2B9M]@35R;VE0VGVG$CI7TJWN,]I!-LNQQOU+R'N-BM%4I5C
MBO6&N?A$&`TI:XI8S5"56H]LA6R&,E,QYK`]4'H`Y#S+J$RHJWVMO-MI?9VL
M3$PC8;VOYWFU0M=;+>(?-JZ-Z?;N5QY_178=<:.%ZE%4:4?!N?F2VI=/.TS;
M=A@D%J:1L$[J6^EAM+GT#;/1+7?5WFZ/#B$)7::!"A3:M8KJU)G'8\%IJL5)
M9QNR$YRI?V?VS0==7*_>9D_:?3^U3MZ1O4.3]H4ER0O3?&GG6HI"ZA!9&8S<
M2@P7LA&+$IM9I,F7'*6=V$"63D"!SGX3FFVIJ8TK;Z%Q]M:DH6TD4EEJSZ+X
M9<K2#I%6ZC4#ENL@%FS!:]`*-NE)P>0P2E,OZC;2E3$IR.$GKU%=^B5](^7O
M[?\`TLC[8I,*QZC[`HO,^8V3ITH.1F0`!SL%4;&S"`H3-)6?D5H+TF;$BQTR
M"1*0,-V43M+<J-%E*B0W-29++:=*3HL6S,T6D-[QS4Q6^C'@MF#V63R082F]
M##58@T7F`Y8<>2FSQ[*WD#D3O^I"S8C+_P`-L.RX;[.U(=8?0V2DU1L?ZQ\\
MD&R"==4JL<F'D5\>:`.D$.GA9NR2-0H%>=&0]2GYIUF?\L2HT3\AR(XG?WOH
M3^N#;*2D/0O#A4D1#(]5H\.4>)LAP[#QZ$EPB2?(W(4F-&3]S>U[1/YV>0XK
M]$-:#3%KVE$=U2125<V;V/PX=57+%4+I7^B34!W[0S6*V62L]+J@JT0ZM8SS
M,145U<:*%FR=_*Y>HT=?T?*GFVM[>2-LMJL(8#`8#`8#`8#`8#`8#`8#`8#`
M8#`8#`_@4_L8]@>6?3GM3NS760G9*%*Y[=#'&J9V7F!H+U&JD:SS8G-KS$RP
M\6MG\1(0&'CC4Z1MT%96_NI>^[N&MY2MJ^E/VJ_>[OO[:]HL['9PN)S.R3DN
MRW6^]AS[KZ;I^+&^VZ:1$1OQZ1;%NZ(A\S?N[_E^]/\`[I]VO[_?S^7PN_?"
MMQVW4MS8-MFEL?"G9?;%:S.S+3====LW72U,B>63=_9=(>;>D<S]00$-+D[!
M<R-OA^OPXR-?5O\`=.#WZ+5^I+D(3_[_`-J@&(R=ZW]+Z]?KGUEZ6_S$?MQZ
MBFW!S>1?VKGW4C9RXBRRL^%N>V;L,Q_>OLG_`%7QEZP_RP_NAZ8W\C@<>SNW
M;K:SOXDSDOVQ_:P3%N>OG%N.ZV/[36XT%,ULM-`6,.5KQT8\J.2"'1TP.8'R
M$;^%L3AA%B-.B/)W_JEQM*M?\,_;^/R./R\%O)XN2S+QKXK;?9=%UMT><76S
M,3'MB7S_`,OA<O@9[N-S<63%R+)I=;?;-MUL^4Q,1,3[)U8W.9U4DIU0LO0;
M;6:)313YRV7$Z+K-;#QMI2\1-&IC,`?%TXYM+3"%R'T_6ZO:6VF]*6O>DIWO
M73[CW#A]IX&;NG<<EN+@<?%=DR7STMLLB;KIGYHCI&L](U>0[5VOF]Z[E@[1
MVW'=EY_)RVX\=EO6Z^^Z+;8CI%9F8C68CSEJI[_[?6[K?:WP;DYR.<X1YECF
MJ;5[`-WM(WJO4"TF(YVGNB=?IN3%O-E%,CP2U_*VJD%%(_Q7MWZOD?)W#F>H
M.Y\CU1W*VZSF<VZ-F.[K@X]E8P8/9-MLS?EIUS9,D]*/Z`=M[)P?278>+Z2[
M;-M^#BVURY+>F?DWQ'QLM>LVS,19CK-?@X\43[ULUT!SD<I@?U+_`/BC^FR'
M-_;?2/,Y">[JI>DN6SS8H<IWX81TSCWWK`-E,M*^4I=FT(D=0]M/PIS\9GY^
M=-Z^/Q[]Y>T6\KL.+NUD?[[BYHB9_P#R\E+9_P!N+*?3YOUG]J.Z78.[9.VW
M3_NL^.:17^M96Z*1TI%OQ*_/#_0OSYE?01@1.^@)5JHUSJ\%Z/'FV2IV(!#D
M2]N:BL2C`>8.CO2=LH==U':=D:4OZ4J5].M_&M[_`$SO=KY5G![GQ^;EB9QX
M<^.^8CK,67Q=,172LQ&E7C^[<3)W#M7*X&*8C+GX^3'$STB;[)MB9I6:1,ZT
MCH_DVY)_X]OJWG_3^77@KV+SY,&T;H-&MI**/(=&5-E0*O911J;'@ID4*.PJ
M6_'@*2UIQ:$;7O7U*3KYWK[J[[_FN]#]U[)S>V8.W]UMS<GB9L5LW6\?;%V3
M'=9$S3/,TB9K-(F:=(E\`^G_`/*#Z[[1ZCX?><_<.TW8.-S,6:Z+;^1NFVS)
M;?,17C1%:1I68BOC#^E;KWF:)UR^!NB2^C7:M'*=#JB:%"!/QDU\"5KMUC7<
MB3*AWTK;LJ+9,$CH9!AQ;*5CH7V$JUIYW>_@=_0^)HJ%CP:'G-['V/I]B16)
M1%R9.I5!%IHU3B#8RC<@%4:G#DF;41JE)%ECKQ-0IN4]$43W];"8T?3<5LNY
M:<SRH&-P>(MV3IG3"!3B`<&'&E8!`!`5<45^0)>B3;JS-KYA\@0EH"M)E.1W
MXNWMK=5KZ5+U](W=?:S)7A!=Z;VB&)MU;<HO;HYHA9:-=^<1[O`8N)BE"*.^
M0U*W9P+92GS!X"([-"3([RY#NG4M3([3B6VR5:Y5WP(6J];YU%!]ZL8R\\RY
MENJ5_HC(0O-*/WQRF'^;,=%.!RM]G5X\_5.=VF:&K[;\794?#U&3(*3DQD(V
M7<MXUY!K%EI]3I9DS%:"UWEL;E,T.$KGX5?,@V^@<\O4Y;HXP<L))&RR>?IA
M2=2)\QY]$YYYQY;N_G<H;F*K7CJ)4:ETH7#Z$=M%JZ"+YZF3:+;"@NR9!SDE
MRL]HY],.;'MM;)01X@D)`/MZ2E3HL(VKZOO/.*RF[5!;CX3*=%1+F7KLG[S9
M)G3;#T55FCT)R`2C.EH$4-6TQ=-W=<=H_P`J`#X\&K2M(T)B-??<G"2$B2\]
ML;J=$\)>/8(WJ[G8^:W!RAG=FC!V15PXR0)J=A7)$1=P!5C9#%HFI\:3:=39
M1)^0Q,W)AE'H[34=QF)(8&[2DMHN=TZ-SSG]'H$.8\0B4BH5NHQI\E.D2)S%
M<#0P[4Q]M*E(;=DHAZ6I.M[2G:OC7Z:PS.LU3'`8#`8#`8#`8#`8#`8#`8%;
M]&YO!Z-%%Q9Q.8-2+DR)+:X;<=Q3JI#*65)<T^E6M)3I/SKX_7YS5MVU)BJ%
M]&XI*NG%I'&Q-D!C8$^&D05G7'G==Z:)*`W5OJG09U.L3T<!,><V\EQAQ]+K
M3+[*%+9=1]3:I,UFJV^ZH:P>%1\NM)KE6Z_=*[N4&L=+.&B@BNW`T<Y];Z=Q
M>IV8)*EEXS24V,DKA`67^\;2MU#KLO7V5:=;VS&MWBD/H#QM`[L?+G'.F6.I
MLV)NN0[`"BBAY<$1@UP<=@PI"ATJ1%8=L`]XVIX?+E:ELP'-NJ3&6XXAQH1=
M10W5?#MFM5AHW.`)@Z[QX\)'">V'ILJHQMSZY73?=+$'$@&/L.V@19FR/:)2
M$NQV78,EI+*W7(^XSK1`N[Q\4VW_`%^PMAXXV)TQBKS-T:XUH\:HO/HM;(WD
M_9)DB<*L'05R[2<3<1=;GJ8GLC9?U*2484_&E1&GWXS@W+D[9Y-`=O)S3QNX
MG05B?&\9B0#`&"-0Z'E\CO-RMDF3!;FHE?,2_AK\5`%8KBEM[%2UZ;VE[Z74
MDBZFBO0GA"OP2K)`OTRT&60E,,\JIL5H,!$JKO*)=5ZA6`=9E28[+RCIX"GK
M)![9=U+:Y6X\9*V$[2^M\;DZI_E1RI/L'6NH'7;JS4.AUU-GA@`P]#!CH%)X
MO3G;1"$J7.:CR@>^*PID:.MUUI3LMU#FU(2C6A,U5BG^NGEXF)*"TZZ]"KE8
MG<Q<YW+!$;`4O.W)BN47+C+=M8*W<F<)0)R:-:F(RH,=;0W:147264:^Y]8W
M3U\7%8/Z[Z`=O-XNKUKF.O\`0F[V\<;*U^&6FAS-LLG63HHW29JB$6%7YH&'
MV,H.=4_#GKF0THTE<92Y.WQNT3"P^.)T@MTXG2>UVVB)[&P6:Z%'A!A\QTAM
M-\N70JD@04C31!<#$$D[Z4'E&F7]_O0:1MC:HK^M2M#<[7'/%U<Y#,IY&)=B
MYB74[I'O"6M`PH49+(M4_ME1<@,#X"%)&B=L]NF/--H6M;7X+"/K5K;BE";J
MN>5Y$<*.&XACJ9B37GKQUN\507`JX0;/K4KLMC.6FU#YAG3TI5AC12IQ?X:U
ML1W&F6TH<V[OY5@W,IR_R+4^6UGN%2#EVW8'94VB#LND!%C6P("LQ&\F4!B1
M]<Z7_*6*Z6Z&26.VXQ%0RV[O2T././ONB;JZH!:/"08T!CB1/2S@0E#5>5"K
M&X`'SC%9F7OH@'HDBT4V7$G!Y=8OM7(`&TA2S#VU1%JVMUJ0C:V5C=JZXWP)
M7=FK))M'4+99JZ8&W"M"Z\D-7PT@-4KM#]&QS0YT]$8=F%33C_I8LXD@I#6M
M)@0TZ8UO\A;XW+%X5Y$J/&7GYDJ<,MTR?6*_7B[:ZE"%"3!"K68O8`ER(#Y9
M&P//W!MN?'9=E;D;1]4)M;#<=.DM(),U;=X0P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P.@5F;'C",_2?KW!@3)FD?_;W&CN/:3_^]M'QEC6:#_)-.DY1L\?-SG%/
M3C9XT9G/+WM2W9A8I+(2G5JWO>U*<D25;WO_`-=[SVZ(I%'@9UFK&(4IIYB2
MTM;4F*ZA^+)96IJ1&?;WI3;\9]O:76'FU:^4K1O2M;_76\O72>@W&JWNSOP\
M3`JO3)]6]*40>TF+#I_I*NHZ>X,A)3]'XM8Z%(EC>O4M*&_T;_:;#$;;_P#L
M;U^F>>]/^J?4OI/-\?TSS^5P;ZUF,5\QCN_OXKMV*_\`[5DO6O4OHWTIZQP_
M`]4]NXG.BE(NR61\6VNGN9K=N6S_`+-\+'@7WQ+U7Z4$&.I^1;7(^-?<UJ1Z
M+X4N0K]/_FL-U_MU*@;7O_U8N"VT_P#Q*^/U^AO2_P#FE]2<';@]7<'!S\$=
M<O'GX&;YYQW;L-\^RV<,/F/U?_E`]+=QW<GT9S\_;\\ZQAY$?'P].D9+=N6R
M*^-UN:?:^>ZDQWB7ST:Z/6.G<VZ7U7TT/N'(/.ETY)9I%A#U+FJ(3(?T/UQ3
MTP8$/U.Z_LYUFEB()")!)Q'3)29]M"X<=Q7O7J7]TNU?NAQ./VGTU'(M[+CO
MMS<V,MDX[IOLFN#C3%9MNMWQ\?+-LW63\/%968ONB/3O0/[+]V_:GN/)[[ZL
M_3W]XV3BX7PKXR64OB;<W(B:1=;,63\+'%\673ORWTMNQV3/@"E*4ITE.M)2
MG6DI3K7QK2=:^-:UK7^FM:SQCW:9FZ9NNUF7[A#`]1_Z3[+.JG]KWA@D/=6T
M]-[4Q67MM[WK:X%PJMFJI!I7QO7RVY#,+TK7_#/3_P!P,5N;T;W"R[I&#=]-
MLQ='VP]O]"7SC]4\2^.OQ(C_`+T[)^RZ7^K_`)\:/JPP,%:+#!J59L5K*(DN
M#:R"+V$BW#;0]+7!"CY!*6B*TXXRV[)5'C*TA*EHTI7QK>]:_7+$3=,6QUF2
M9I%7A30O_(W\$]%N-'HX&H^EVC%_M56IX-PES>G1H#16WF8`(6X1?9Z;)=CP
MFYA)O;RT-N*0WI6])5O6M;[]W;>1;$S,VTB)\9\/H=6.7BF8B-U9^7F]M[%T
MZAU2RUNFGK)"A6NW+^*_7FVY<\M.9_+8@;(.0AT>6]`$(G2FV%39.F8B7G$H
MVYI6]:SQ[MTGJP[?<N.ND8XAKIE*<*2[G;^=18"+`.5+D7V@`Y]FNU.99T_]
M;EDJU=%R9TV'K7WX\5AQQ2=)3O>B4EU9_?>+C(9J?*Z54_L5VOT&U&D12C4^
M6/KW5"+XCFQ5T?`U)GJBWDI&7'%[0VI4UY/TM:5O>ODM)9@/U[EU@DT>&$O]
M3*3.EB["9H$2&;@O2K>,J*H*+5*!1TN[>GZK3A)A$]*-;7$<7]#NDJUO6A25
MBJ4E"5+6K24IUM2E*WI*4I3KY4I2M_&M:UK7Z[PBAT>GN"NM5I]CI(:2Q=+Q
M`YU3GHD8O+:MML)L_D0XE8<C#74GQCD;_FJ)Q-NBVVM_6N0E._G"TERQO3/`
M9?X>XW6::]HA:T4F%MLHG>I5A=U#5'89W]'PL=*T1C?9(?\`YO>W)9TA]6WF
M_J&V69K/>./7$E7`]<Z#7B)6XNVMJH#]R'8<NV?P:.(E6Y^L,3V8JS\,!%/P
MW)#\33S"42$JTO>OG>A27VGNO(7:B!OL._U\M3[5'+RZT>!2'#\(_$`M373$
MH/L*S/=(QH&H#B%N-)4C[OT-ZWMQQM*Q2>C`+].<#;4QI74*U]$NG;OX^0ER
M6N$5J&HXN3LR&G(B*AF6](-PT_:BN//_`'I337T?<6E&QME-Q/5>='FQ;P6X
M!2L8V:@UT3,@2?R8,\X3J3=Z'C&)S2%1%2YM2>1-:3]>OK;6G6O\U:3LE%@8
M#`8#`8#`8#`8#`8#`8%)]I/WD#``NT=,]4B3.EMD/P!"2ZM,(C(6S]Q"HDO[
M*?N[W\*^$_._TS=D6SU9NF?!6_<H=UN/C3K"&YU[&7^3QZZDQK]%FF:K>568
M0()%`L,0]6M0SD620GP&6%L1/MO267%-:WK[F9NI6:=&K?"JF?1&NJUGH_6;
M=2+MU.IPY/%?/LU9P4/)76M590/O\]J]/UFE$!IJKLEI'/I<IPRIB&Y/>@_0
MMS>TLL?1&HZ4\5?\T3W-GSQZAY_9'[8>AO<*Z9<.9NR*<1`V$8:NM\].!OX:
M*G1F_P!RL$B*%JP&=&^K2B"%$]+3]+#\1IHLTK$L9KTAZQL?1^F@^?UVR[KU
M7M!::#%V;ELQ1EU54J'IR7OE[Y%L$"!#HERLG*ZGMB4B<<(-CK`TO\IATE#:
MBBEM->J$U7U3ZFL%[A52J7JN6BK"[*8%(Z7?^,7"BC[*9CT'CMH/42RUD/5I
MQH83I4*[%Y\+3'[,\54PRC;KC,67MR:E(ZRNW@G4/0G1(W2"#MNMLNXSO+(:
M=S:IW"B`Z_39_7@=W[I43=]K-@8J=;T6K%A*!:_(A(EIB./`IT&0]"8VYE)B
M(^MKH+O5Z`"6"'&:CU6>5H#=:M]AMEZA=RN5TD=$LG`>W@NEL=.IUYC,Q9%U
MYV;$()O"P+NX))R</C-I0XN*E473Q=@3Z&]#UWI)Z[(=Z-=V"=5&#PP$3P8Z
MB1VGF%(L'JG[?70CDJ"/!5>Z0`(P!+T,;5`C%%RH^]QOMEAR&!2*+6Y9=^Y=
M&YKZ:NMG1:W[5KS3;*S2;$&!V4$NRSJO>O3$:I'*PU_%J6J79YX9X4ZF2.%0
M/R_JC/L,Z:=8VH332/:A?6KAUBWE:_U'D0:Q7*'S"KU^^5,9+Y]:20Z_="`^
M<_34>.V=C6.`DBU,J=TA0ML)'QHDY^=,:;4IU]V'])(ITGY=%W6KH/HB1YFY
M5T(*71:^G1;+VDL.-T^NV$D)/B0_%O1^^83+G4XP.G*)./E80#]PA(APH$HW
MI&HFD:7&WJII6D]$-,>A?3//;G,K=CFE;B.`1;M&3.#<CG)(O":;U1:S/3^A
M#!@%Z.FKR.5M_BAWJ]*0I99ES\B`^F5&<8+$1*'VKTOZ^GUTY<ZDZ@!6)]X@
M5>M$[)R"S!Q0*M$)OH0C7K[8'IU9/V18NPSJ52@3Z/VI/X\0XZ_K[4J7%>C%
MI;6C<3CE1[!<;F#[)TZQ#X\P`8]`U)%9@5B77?IKCG2GJY3!3/WU-3"X.`$I
MC12,2FJ6Y/626XF.VVIG;1F:1I#<?#)@,!@,!@,!@,!@,!@,!@,!@,!@,!@,
M!@,#AD,-2H[\9]/ULR&76'D;_P!%M/(4VXG?_P"TA6]8'^3EURCDN8]:ZIS8
MPPY%*<]Z7?:3/CNIVAQJ15K66"+TI._C>OJU"TK7_'6];SVZRZ+[(NCI,1+P
M5T3;=-L]8E7N:9,#\4K24[4K>M)3K:E;W_IK6M?.][_^C6L#,?V$S-@3OF7B
MJ-[;WQGRAS"0>A_Z?CWKO<H]Z2L^WD?ZIF-#>K"H;OS_`):U"2G?_MUGT'^U
MO"_3^FYY=T>]R>1DOK_JVS&*W_AS/TOPC]R^9&?OT<6V9I@Q66S'A68^)7Y_
M]Y,3\SSWS](?G1@,#V,_H&YE-ZA_;7Y&B165.1*/8;GU,P[I.U(B#Z'SVT$8
MK[N]:WI"7;`]!83O?QK[CR=?Z[ST7]RN7;Q/1?-FZ?>R6VV1[9OOMB?]FL_0
M]X_;SC7\CU3QML5LMNFZZ?+;;-T?;;$?2_U.L^/GU&8$(Z8!(6KG'0*P)TRH
MK8Z1:P(Q,EW[$?9`P!GCX6GW_I7]EG<F0GZU?3OZ4_._C>:LF(OB9Z1,),5B
M8?P^\+_\?/\`L7Y_U[BMTL0CAZ`E$ZAS&V'U0>L.RY:0]4N`(T75#C;J37Y4
ME,$>YMIOZD_<7\:^=?/SGG;^X\:ZVZV-U9B?#V?.\;9Q,T71,TI$^;^U$_S6
MU[Z@[TVC7837)1VF@:+<Q%AIBK9&)B*F:M!ZL$*_+B6:K3*\;'R[J30\I[9"
M'*:?;^J,E;*5J\`\I72C4K?]=0)F"X/C=JZ+(UL0\0A$SD*OE#X'K_\`%259
MB=DKQ.-%%-P;"TJ1#E2([S,E$Y<!#4AQ;+KR%EWR[\#P5)`N@K#7^Z69%Y%O
MU%1"6>J@<M12\&A6#DA^G#/X6.(5\O"B`]\0`QVOI.+4EK\W:-H7-=5H;O8E
M8GQ8F!<*OT63V>\OW2J6Z)<X#D`97Q57=*%;S>[WTMA^NHCR938_H<GIYR`Z
MVS/:W''.0T.*E/0M/NC=X+<A>=A3-XZ3<2%]Z$:A]-!V*ODZ?/*CTUH-!LB8
MS<Q5?;B"XY&%)CL1]H86J0YM&G%;_7?QO1*JDN_E._7>B<2I4[K=8B3^'=-Y
MW;*KT(-R^8#O\"I4*/&A.B!)&)T)X.+MEJ%,.#BLU$']EFCI;["P_P!M6DZ+
M$Q"'0?`,,85LA@5T^2)=N(M7/#PR,`L!0"+X8U)J4D9S7GT.W=&LY"C3@VZF
ME$2>W+E#HC<QY#`II"8^F'WFYVI/@UN5,=+1>J2::6@$[/.HS7.JDY7ZYS=J
MV_[>#+!JE@3]NMZP\RR5*H$QY5;4E$64L\[):CQG&$:6-R>/>5SU7HE(I?&N
MDL\YF4NH==Y\$M*ZJV7D56K]4LP6V)DU@*@J/CI.U=VKPQT);DEM"8KKC^_E
MQM#2A7S301YGK#`^(*L*@M@"!^*A.-5JH-@B0ZF5V'$)Z-6,X.'2+28._FVP
MF(`N/+<)N36-@(RT2]OJ6]LE56\]\:3^;280L7U,L9HB+MS"X[JI.',CL`I?
M.WI=GG2:W'T9(!8$NW7IN,IY,.(-;8#K?C.?EN:9>07=7YV]>&3`8#`8#`8#
M`8#`8#`8$2MEXK=)9A2+'-<A-$'G6(JFXDN7MQQEO3CB=IBLO;1\(5\_*OC6
M\L6S=T29B.JGNW>C0?(.:5OI$,-JUQ+;<*Y3@D:79`-#'ZEV)Z8AN>8LEQ?@
M"`8^*V/=VI<A2?J<^A&OCZ_G4F*:2U;%4$`>Z>"6$17K$R?E#0I2OC"9IDJ&
ML.K-7;#86N3+KE&16Q00L]:[5,>[&&C26`ST[<*9+C,J^M4IK>%VRE)#U]PY
M#0^0$N0XW">CU$N7+;C6`:``5VWP$F(,DE8I-?6#C6C0%Q$[5>?D,&E15Z<5
M'0C>E;)MERO^J>"'ZE$*P+*^>$6R85J0UB14;N,A3;!^SC"$2KV*64K$:/39
M5L'60<H3LQN$@NR2C+A;D)?:VL4EAN?]6\Z<CH_'@T5L%R5/9`02\@ZG&B%"
M.F9=UW6V=D+788(Z5'@ZEV"SP!+98R]%9FSGF(K3BG%-LZ$Q-66"^S/,]@BU
M^:)ZF.D1[09&A0RG05MA+><,QJO+#&9C$X!&?$4TRS=@WX9^8E@'*65B(:EK
M7(:2L;98P][;\Z@*@Q>'+392@`C3EWT`^&YETN<Y;*LV1B#7"%0U_$FF;.ZC
M\YJ5N/#6])_;5:G:;W#WI_"[99*3[`X*#<G0[G?@]4)#8EZ+$F)#1V;`%!J*
M1Z$S,=-'&`:!00],#\P-3FPTMQDJM`V6AIA[\5U6#;/@FU#]"\BZ:<8K5'M$
MHZ><$3SDP4BJW&!+`0!]@,59[5P04K\'5)(2#]>GQHL,ON#,FJ@OJCM.H9<4
MDE)A@>?^GN2WZS#:##LP]KH)%J>\BN0DF"P_6HBC4EB&BWM!8U6=-S08&200
M._)U._%CON::4W'=<2)B8^9@!7J`5+L'I.MSZHZV0\W5U%M-JKUKJ]NBE@TR
M#;B`P5->$S-?PR_2(5/<E.@RFF9$>#/@R-K4B1O[9=O3VHU4?=7"#]0K=^L!
MJ31*A?0ZK7SDU884Z3&N5";##9VNAM*"0R;==I9HM,>'@YI5<)-B=CI<':D-
MR8NWA-LK)Z!Z'K-8"")5,@.=,L=GZ$9Y;6:^&*#0D.7;ZN)L9^X_N]G/N10X
M2OTL#4"<HE.WM_2/PU,,-OREM,+)26);]:<4'L0XEON0>NVC=.$VXH`'/3KK
M#C;+M"5QJ\#M-2&DJ]<K3+V=AJAB1;T@O/C2V'V8BFGFU;&V?!T2/M;R^(;8
M?(]8&18TBM3;5^6X"MVX48>-"FK$1'$9B*^J**MP\'7)TI\!)6R<:9BKVN)K
MXP;99*P^O//M3=(Q;-=B(,@+EB8<@.2H'28IY]1L%:[+!E"P#E0T9-BT@Z(:
MD2)D)B1$A)%2]2'&E,.)2-LHA5?:G)+2Y8XR"PD1+JG1;-4#.S1:2+#[JM>L
MMC!:Z&$LY`+$KEG$28H!,MYH=)DZ@)E-MR7FU[3]9=LK5Y[Z,X[U4TQ7:#:Y
M-A..")1R8,;JMR@2Z^/BEB(/7\P;*UZ#_"9T\D(E(@Q#'X,L@B,ZY%;>:;4O
M1*3&J[L(8#`8#`8#`8#`8#`8#`8#`8#`8#`8'\`?_D&^49_`_<A3L`D8XSSK
MU*+1T`;.:97J%&Z0#C0`?2P:WMZTWJ=*>3"-;U\_*]%5_'S]M7Q[#V[-&3!L
MG\UFGT>']'T/%<NS9EW>%WW^+PFSONJ8$XYA09_5NF<XY:+UO9'I=^IO/X>T
M_P"J'[E8QM=2]^G^B6/W';BM_P#HE.]_^F9ONV63?Y1,_4U;&ZZ+?.6NOM;I
ML'L7KOTCT<.XERN6#L5VCT[[>_EIJAUHL]4J!&8^-[UJ/$I0&`TWK7Z:0C7Q
M^F?6?IS@?ROL/#X%*78^/9%W][;$W?7=,R^7/4?.GN/>^3RZUMORW3;_`'9N
MF;8^B)B/H:P9YIX0P&!_;E_XE?C,C`A]X]X6T4N/$L$;_M_XR_*8UK<X</)0
M+'UFQPON:^K<-1H>(%,/M_HIZ%/:^?\`%6L^?OWH[];?=Q_3N"ZLVS\;+[)I
M-N.V?;2;KICRFV7[I^T_9;L>/-WO-;3='P\?MC2Z^?FTMB)CQFZ/!_:IGX*_
M9S`PEFL(NHUNP6LVZXP%K`0M82[[+#LEYD6%@2"4]UJ,RE;TAQN)&7M*$:VI
M>]?&M?.\Y,.*_/EMPX__`!+[HMCYYFD?:QER6X<=V6_\EMLS/S1%9>(-&_\`
M(^_JKZ+<:91*MUKHTNQWZT5JG5J+(XCTR$Q*.VTO!!A8[\N2!1'ALOD2#25N
MN*2AM.]J5O6M;SW[D?M=ZPXO'OY.;!CC#CLFZZ?BV=+8K/CY0].Q>O\`TUGY
M,<3'FNG/==MB-D]:T>V)6[5`%+EP#-F""YL"-7YLV)/)18TB)$M9Q^LUF3(:
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M%,2R72*?`17ZO6+J=9F&X<><'JMVF2AU.-$QCKB2,&):R4)Z,.^XTE<V2VII
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M2X#`8#`8#`8#`8#`8#`8#`@%^YT&Z'&&Q3$LE%0,D/R6-CG8[2UK?:2TO3NY
M$:3K:=)3^GQK7ZYJVZ;>B3%41MW!*/>*GSZEV-,LD`YW>*S?!T*8T*G,%B=5
M?FR1T,[%GC94*:-6_.VI:$MMN?4A"D+2I/SDF:S65C3HA<_R?0"-PAW1XW;D
M$H/1#'2F8S4T5J#^\F[MQB]R82FU"%/?M397AXMMM&EZ<U'DRM;7M2VUM1:J
MF/\`A8,Q1KK4:5T6Z1A)^(BR0:>:=K*ZX_UH/46:@"NI`U'J;EJA,30XN!%(
MQ(TC\-:8VGVF$/J<4X7=-:RQ(_\`KZK9232+5?.L]`M=X$2JJ>MIA^#SAR'9
M3]2C<^B@9@N+_`6HU,<A#.;C1TB:#:&3RPYM3<QYS2_\1N\/!:EU\@4VWPN?
MQ&;=<1@ZE4"H<W*"(DD"J!TFGT`X`MU/#V^5)`3"$!,.TUQE]Z2'<'OR(TF4
MPK?T.M[:$73'SJ6YU_796!L'C]JZC="'0>O4.KTRN6(_8*MS*T@"02M5N@C$
MTX0)-\];ABX`@O08TL<<C1XEA0\Z^XN3_P`[3;0W>71*9G]?'.Y!&(19Z)T=
MAP5R@;RP"MYJA$IX1@3S@)S."8A'"=*E'4L-#:[&(["_DZ`N&G94Q<-3DIS6
MI0W2[]I\#\]M\JR[+=!Z2@/=I-I/W2OPGZE''V"]6%73M0;JJ0JJNE!LZML]
M8(IC0XS[8]W<.`I]EW<=S\BFZ5E`/*U4KO:(':(%KM*"<`ITDW^R(8K,:,1G
M]0FS)AN`:.PP$>UEZC`>F??A!7YRQ[!!AB9]"I#6E[)NFE'<Y]Y:HG."@,L&
M-6N6^`NDF\Q&B4P8ZPZ5E4JZ41QB0B.)C*5"2)O,IS6D[2Y]]MK?U?3I2%"L
MT?4'S6*V:[I8[)>[;9S7=*;KG)66Y!IE>;K-&BJNBQ`L+%JU7#LDBXQ5\FZT
M4+:(3G6VV&U+^AM6G!NZ>Q2D/^OKDM1/UZVU=J0?;HE;E5^J<UN0CGING,!$
M1D$HU1KQ0Y0S9_G`R5==22B)(AUMP>\5E-1D(B)BQ8Q=T_2F5"\D,5WS?P?D
M$V[V,-?N*L#+$,Z=7I0PR9:Z1,#6`=>BS^K:`GB;4%N#=T-1)[!$=O4R'/4O
MZ6).FG61-VM?!7]7_K@Y)35-RJ[9C\(W&$TET=:7:ER>5:P?0>>E*T6K70J\
M?>Y_N<"^E^IPFY8".I%;EQV]M+A?2X[]8WRAQ#P:<D]!%5^'<K%'XE,*V'IG
M4)\RSUB38^B]@LM*M]0)6MFMQN5PU5DM.?M?Y4C\<U^QI:BH0P,;=7M:"[M/
M:D-H\!;7TA70J)V*[5HM;.BV&PW@TY`Y[*/#Z@=J/H:,^$!2IO/2+MHG_P`D
M[DJ)'?/NS71P*)&8BN-[A-I>&[2E%A3_``1Q4G6H%-ESKFNJ#P]\KK071:!I
ME0#H-AEV`N*7)4)5,^U$5,5&CN:<TZEA*=K4XY\KV3=+.<P\=U'F%MYI;Q5G
MF:F<S!VT1&BU^C<JYY'MCEO5+1.DW5SG='K$D[%0Q(:>_!4M$%TI#CD%M;E-
MZ7@FZ9AN!ADP&`P&`P&`P&`P&`P&`P&`P&`P&`P-$O[%O#E,]^^9[3Q.P/Q`
M=NBNHMG);R_&4^Y2.CB8TEL.1>TUK<ET$58DNCRK"/G;L"4YM&OO(:4GL<;/
M=Q\L7QT\8\X<6;%&6S;/7P?YL/8N/=*X!TZY<;Z_59]+Z-0BSH>R`""?G[;J
M?\XA(;+3K4<L`,Q%(DP)S&U,2XKB'$;^-_&O9K+[<ED7V36V7A[K;K+MMVDP
MK7-,MJ/'L_5/ZE:NTNI3^/YNX5W;OS3B_C3;5FIG-S0CF?RK?QK3KO6[2`0U
M_P"NW%)^/USR':>'_,>[\3@3K;FY..V?[NZ+K_\`8MN='NO*GA=KY/+M_/CP
M7S;_`'IC;9_M70\9&TJ2VA*E;6I*$Z4M6_E2U:UK2E*WO]=[5O\`7>?7;Y4O
MNBZ^;HBD3,Z/K#!@;Y?UT?U^=C_L?]'5SA7+(DH;7X[L(WU[ISD)<@!RGGFI
M>FB-@(N;^B/)/$$(7&"C=K2Z1G[UK_%AN0\SZWZI]3<'TMVN[N'+F)RS6,>.
MOO9+Z:1'LCK==TMCVTB?9/3/IWE^HNXV\7!$QAB:WW>%MOC,_A'6Z=*QK,?Z
MNO`>%\V\S<7YKP+D()%<YORFJ#*A51>E)=D:@CV][?($I24-;GFS4]QZ;/E*
M3I<J;(=>7_DO>?&O<NX<KNW/R]RYMV[E9KYNNGVSX1Y1$4B(\(B(?5G!X7'[
M=P\?!XL;<&*V(CS]LSYS,UF9\9F96_G2=LP*Z[`!*VGDG4:P"C:FF['SJ[`0
M\/;S,?4LJ7K),>/C;D27&H[&GY<A"?K<4E"?GY5O6M;WG:X.2S#S<.;)-,=F
M6R9GRB+HF?L=;F8[\O$RXL<5ONQW1$>V;9B'^<GYM_\`'Y_MGH'?//MVM?F&
M$,K5'[-R*V6<AKM'$9FQP&KWNNFCDW42#T&1,E[AC8#KGVV4..N?3]*$J5O6
MM_4/=?W*]&\GM?(XV'ES.;)@R6VQ\++%9FR8B*S93KYS1\^=O]!>I\'>,7+R
M<:8P6YXNF=^+INK6D9)G[*O]!;JOG\OT2_,6D?=X0`$8'<L#7L'*JRS),F,Y
M#U&5U:M_Q4XBP"H]<FDBT^1"GKE0BB%1'$J90R\W]2_E1]'1-(96K\@M]=Z]
M9NG-7&MP1]M#B(=DIU>JUD&![.?CLUV.0O1Z+/Z"8$ZN3`\#L</G0H<1[]L?
M2P142_$A*CDKI1T8?G",FV]:L1?I_3#PCK5>M5:G4V>?<57JQ!M:FTRW:K&W
MIQ(R9!C)4U&<TG?VDN;_`$W_`*8*JONWEWIUWK'`@4WJ%%%'N#=2IMIK_1:Q
MS0U7+E'I%5#M!R(`+^/T26&%FKP+0Z/,Z7'?!2A\I;?[9K[;>M%K'UIX9X`9
M?`=!I$"7S\Q3^E6VY]%,1[M6+#/T,MI`_1S5,AP1E8ME6<DBPKX.=*D2DD(D
MS4Y,-;.D_2[\DK]:-/>43*!5?>8ZM+*WBL4OBP.!:[?79-B07LW%NB3NAC3]
MI85:8AHV--OSMP78JR7YK$=*7=3G)"?N[+N^I4,#^N,+`C+A(ZJ37`)RZX=M
M,#^(#FXEHM]%%4F)SRQSFT&/JC[I!$4?EPHZ-[3M1N*E:M_M$=3JB[EKW_R*
M]T/H$VX2.FVBJL0>O4CL58C`&*T3CJ,@U\<18(1\5:ZP;1J8X.XTU"%E($J-
M*@PCDYG:%M;4A\D32$<<\+5XQ2"5-LUA'_CNW-1JIL5<-9!83EU36*KD"=3N
M<AS][M2Q42PS:G#G3VY#\D7J9M3T:!'D-L/MC=K5;W%.'V_G)J`7NO0G>A$0
MW.M4:*=D-%VB97<^^62Y3G2O[Z9LI14`##FCQHE#Y.=(;98D+<=^7DH029B>
MC9G"&`P&`P&`P&`P&`P&`P&!27:I=_BP`&Z$DVJ2N=,T2_987YKFH^HR-L?D
M)_'D?;1]WY^-_&OG>;LVZ[F;J^#7;TE0.A]9XEPZI?L^S)DCW/EDJ\1+15C%
MF!-5J`4+RC$N]5<(;JDN?7([33.WD*FQ64N;:6O:M)^A6;J5TZ-V3Y^36_?;
M?8]-_DDA\#U4L)!MW,?8@PSSW,G1J;>FZUZ0'<UI')(0&G2#%[YY-)`J#(T5
MTZ<::>EL?E$T,SI4>-&J6RSY2Y^QX8_<FWG^QP:K<#=K8MTZI\/K-DM/*ZV#
MO%V`55'/:X(YZ:)6!ZYPF@:9ZB,,XZF!)<FQ]1&TK?;%+51\GN/MBN4\#3[8
MOI'/^?U2N<=HIF#6>,&[;TVET*-SZLLAKK214GB1BOFC)LU%=&VF&HO<9PQZ
M6XI,$0F`ZYA9BVK85@+Z`@4GQ2`IL*ZT@FYYXYM3.DW*'SP$1N=#5*MGFN%;
MP\U%K!6(15S#M9C&]R&)45]$5R&N1MM:H>O@SI6:^:W;6#Z5T+B_D6R6P7<7
M.H`.H^<KG>88A!RLO0R/Y@^!T&?;*P#D08*Q$.`3G.2X4UER!#7O[FFT+9:4
M@:1=,1T>/%IY3Z)GU+I(_P#@_5V-'[XLZ4FSN6=SL<419'*_ZF;&52ZU@/*2
M<[1U])&R5],3JE=^U4H4]5<E+AK0&2U--UBOR^7T/8WS[RQ43N_6NNR^=%><
MO.T+EW.=(*R%ND[K:Y`5GHO3KF:(L)9'7*2P3L8D`DLA"DJG@B.FE?2ZO6&)
MG2C=O#)@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#S2_L5_J[
MX%_8C38S=T:<H?9:Q!>B\][;6X$=^QA&5J6_JOV6`XY&9N5)?E+VXL?(<;<8
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M7,SK,S.KZ`[/V7M_8N)'#[?9%N/K,_UKI\[I\9^J(Z1$0VYSPKRI@,!@,"N+
M'V#E=/L\*EVOHE.K5L(AI]CA5\Y8!@LI)KXIJ0^5.-19LAES8@6S%<7)D_\`
MR6$I^7%)UO7R6D]4?'^B^#%I54@C.P<[GS;T4D`Z=#BVH0]+LIJ(XVW+#AXR
M)6WII2+MY&W(Z$[=0A6EJ3I&]*P4E.JW?J+<6A[U1N56M+)84\=%/5T^*-,D
M@L<BX(?+P'1LJ2W+&LE6E1EOM[4VF0G;>]_7K>L(DLN7%@19,Z=)CPH,*.]+
MF3);S<:+$BQFU/2),F0\I#+$=AE&UK6O>DI3K>][UK6!4D#T+PTI)IL(;U>B
M3Y?0R)T51H\.Q#I+MKFUD<LO8$`T-/+W/9$#$???>1\LH;6C>U?\Q'U%I+))
M[=Q]5)?Z2GIE(508DY0N7<-6,9NOPR2)"(SD":2U(_&B3&7G$Z6VXI*T:WK:
MM:3^N"DUIXN*5W7B\'5EW,ZI0(W\.:$/V?3UJ#(4%9L"FT`79J%2_K0V;>=2
MW$WK6]275:;;^I?^."DLW_NCS744E-WT"EIAAK8`H9B2NSAD,BKQ:_XY_&*:
M2<5-TF!:K#_,!/X0]WZ)<K]SB_;;5^0U]0I*=X0P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&!\K0AQ"VW$)<;<2I"T+3I2%H5K:5(6E6MI4E2=_&];_3>L#2OM_P#7'X6]
M'`$5CL?EOD5K"-V<A=4Q(M:;J3JK@5%P@A*T.3J6[72#QZ<(&QXSLM;JGUL,
MH1M7TIUK/,=J]0=Y[)ENS=KY%^')=$1-*36(K,1,71,4BL^'B\;W#M';>Z8X
MQ<_%;DLBM-9BE:5UMF)UI'U0TZB_^/A_3]$G?GH\;5]Y7U?6F+,Z?W"8/3O_
M`(?@R>F.1EH__54E2?\`Z,]CN_<OUO=;MGG74]F/#$_7\-X&WT%Z3MOWQQ=?
M_4R__6WFX/X+\6^87F)G`?+O$>6EX_QIJR5CGU>9MVOC7TZ^NX2H<JT._I_K
M]<Q7S_ZYZ]W'U'W[NT;>Y<OD9L?]FZ^=O_=B8M^QYSA=D[1VZ[?PN-AQY/[4
M6QN_[TUN^UMKGA7E#`8#`8#`8&OG<.#M]HTZAVSN5Y#G*^G<X3]`ADNC4F_G
M.86&`:DQI$V+'(00L_F;29(YS7VR4>4XTMQI/SM18FBJB?EV^VA-CL1[K`P!
MT6VVRRV<@<H5/EC`X%PSP5W@`QRL#S%H+34G`H-S11,^9(D;=G);:VUJ,RVC
M1:Q]"/5'QE9^<D38ZB]FG1*28J5OIHQ,^LQ1M[HHNW3QMED[IUBY_/HH&%N)
M=8\R>PE(EG;29ZT:5M:?N+&ZO5=S/`9$CS];N$6;I5OMZK<`MP&5?+'(DFK$
MTU:$3$-+=T;)%=D(PK4G24QGWE,O,H^TK6D*WK"5UK"N;WP'L70+]YRZ3/N_
M,:W=>+6ZV$[!::A3KB-GV:E&JZ^+USN'!FWHC#U5;41U'?-1B"IWVMQF78+C
M,IA#ZBQ,1$QYL'!\S]8@\OZGRAJ\5#8_KI&S6BR6E<WLJ3X\_<Y,&"6%B"T7
MJ,7HSXD<"%H<9E3+4_(<=>W!0W&%LL14"L5JA]R\+V.WG(MCD=-&-D:H)YV`
MHL/0_HP\-J#0`-HKL0B;A5CJM;779WX]L=F-Q*@NM#'"<2/)EL2]H;0R-SO.
M>"4OV51^;UDB39(WJ@]1M4(E5HC[MOZ=S";SMJEWTU-;+M?)^%6JX:AR-H:T
MB2^3@2=_0H0RA\NYZ'X8,!@,!@?F]ZUK>][UK6M?.][_`$UK6O\`7>]_^FM8
M'[@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#0KTC5/49+J@HIPHE($#I8&GC9
ME@CP*^9>!"A\GITBUQQXBU6.L`WI1&U$Z9-FMKF1WB(H4\RUM?VG&G344IJK
MEB@>Y;$P7#=&+$IZG"0<K02%>LO,X-5"['="AV2"CJ$5D**LQ@F&HT,5#VL4
MW(AR;+!+R/LI@38*&BUM0_IU-_L*Z)%T^,ASJV2'&>7F^=C)EMY&FK@K-2!%
M1F74]U>,,9(%;(%L%R%R)=?AB9+BFE;=_/0RRZVP@1-L+5I]']J3JOU6LVZX
MG7YMIXN;@42S'Y%'I<FDWUZ?-8"5V)_MQ9;Z1(S'@TS>YEG=>8DP7V&U1VY>
MW-:B$K:QMNI'I\:`8&^:J*<X;$_BND5NKSK/R$F%!7Y94M_.+!TG<J=>9MJC
M6*KJ@(K+@Z6MQHTT[(*LM-.;WLM8\44CB?<\TK9V@!SK,ZF!+KU2M2I1PMP\
M/<;8/`FK`,XT=YHHI51<,6$C.Q8SUK>,LMK,15-N#4/M_<:>A[KKVCGG]AA@
M*-KTVWFW9<\#="5ZLU(N%"KFY1>:7O\`."56BK=B!IM2;%Q@M6CBGG(TM<F.
M1F?N$^.IMW3X]U8L(-[NC<4ZJP5)?OG63]SBL4YJ'NA`]T^O;E2-D#M3(MVM
MX78X#C28OV8!90-]E.I'SIS>T(=J>[7V*YOW,??YWFY`5)N!L^3O5#OL2Y@:
MY8.2@GPMX*Q>F"J*/JQ0I6H,&%SJ+&G`%G$[<D$GD,Z7'4XYJ4S(+$VU6'UK
MAO9[+T*QS:T(.L6`K(YPYS7N(7J"`,?C]-K]9BP.B41-6D3E$'B-N)PB6VEQ
MQA"'.58&7IC["A3'TBL45B.X[[NI]4%MT"[V4:_;KA83O0A]K*<SO%HKC#R8
M:*S.K2GIM:#3B<LRXN?86W3BVIL=MQMG>E*0PX*VRM6X\L].F><<I'F;`[<N
MFLF;P;+D2,@3#K`#H+I\:<YV:(P:S`&Q-4"MU@.2'(C)3)D)=),)<6^]O;^B
M5BJO)U<_L+;BR'!I*\S&G1?VQP@L?X0@O`(PAE4*EG"=A#S1,0@Q>;M#*C(R
M&HR%@*U+;GLO?G,_LSQ?=6-W?EWI_K!NQU*-.-#.=65511,CB[30&JAJBQ0-
M?E6:J+8(5QR[S.BS.E193CDUQI(.75E;BJ2E]S;.$B8C7Q2KH7&[#9+EWC9Z
MB7RR)O5/)">6]2Y]T"L!#W-ZM+Y7#JY+GE;%VRS!&JE9B%OC$I\>=%A21\U9
MAK<^0TB-I+8B=(4QRKRWU`KRJA-=%I(/GEWJWC8WRF0Q0[>4K9(QT&UC9E6&
M09Y"KV1_8!5'IP"*M;D0A(C-EK#)W#D+1!:?469BNGFD@GSYWN%TZZ6-@L2;
M#%_/%BJQ!98TUIZP]&-\XYA6JS7016#>2KFJG2#=1+36Y,L*$E1"!B2MEZ:W
M)==2*Q3Z55J\R>OOII`Z4;_=Q7..6F.#A=D>@J)+L5)0U03(J_69DGI:'NF$
MW67PL@CO[L]I%?W*1)UHJZG8K:SD/EWOJLCC=>IQIL`EQR,BCD!)7F+]>#P'
M04Z'<9=\CGPL^PV&VRW6A_\`&'F4R(T:4PM1#:8_UHDBMLRN.@<^[F*]!A"9
MYZRD*^#(V2"9MY>8.4U:ZE'WV-D$N>D0P,'3#4P#8.>,OK1$:<D/U]S:_ER&
MZIPDTHW]PR8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`Z\N7%@19,Z=)CPH4*.]+F3);S<>+$BQVU/2),F
M0\I#3$=AI&U+6K>DI3K>][UK6!CX]BK\MX/'BG0\E^PBY!L`Q')PGGC@6+H<
MJ47#MMOJ63%QDEXFW)#.EM(U*9^5:^XCZ@S&!$#'0:)7U$$'+E6!+HF1`B$V
M9YP;%D0)162$AC(LN.[)2\Q)(R[*.:80I.E.N3XZ4ZWMYO2A264L=FKE/#3+
M%;;`$JU?':9V0.V,K`"!H.I$AJ)'W,)DWXL*+I^4^AI'UK3]3BTIU\[WK6!V
M1)D.?A-D@14::'.J<0T0$SHI&$XMI>VW4-RH;KS"U-KUO2M:5O>MZ^-X&2P.
MFT1'OR9T-F=#>EC/L?N45J2RY)'_`)3/Y$;\YA*]NQ?R(_\`FC[FD_6C]=?.
MOUP(T8Z)S^O!@UC/WFG@J_8UP&J\=,V8*+#G72L?\H6T')SIK$(FX2B[^XPE
ME:]O-_Y(^=?K@HF.`P/E2DH3M2U)2G7Z[4K>DIU_]>]_&M8'6A3X)*/^4.F1
M9\7;TJ/J3"D,RF-R(4IZ%,8T\PM;?WHDR.XRZGY^6W4*2K6E:WK08NQVNKT^
M"T4MMD`588_-BC&"-C,#@D%XE.4I$(>U+)R(L=R;+6G>FFM*VXYO6])UO`Z;
MM\H[#]EBO7.J,R:8B$Y<([MB$-OU1LDU]\<NRLKF:<!(GL?YL;E::TZC]4_.
ML%':@VZJ$SY>J#;/7B%HK[45\]6X)H;+/A&)J$N0GBX=B2X1&M2VUZ4TIYM&
MG-;UM/SK>!DH)4645/0-)0"*Q4]T431!F1Y:AQ1AIA]\;/3'<<W#GLL2FUK9
M<^EQ*'$[WKX5KY#OX'1FE!HU4%!$A"@+)SFA8U,R4Q&40)/M/OLCX6GEHW*F
MNLQG%I:1]2U);5O6OC6\#%"+C4;`4/`P-IKALW59+4*SAQ!P82*5R8^E:V(A
MX?"E/2P\EY#:MH;D(;6K2=[UK]-X$CP/G:DZ4E.U)TI7SM*=[UI2OI^/J^G7
M^N_I^?U_X8'U@,!@,#$BSP,XLJV%,B3#@(M(`FT"R,,@L,<B,1I,H,53$>>4
M/+1HTUEQR.]]#R$.H5M.M*3O89;`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`@G4JM-O7,NC4D8]"C$;C
M1+?5A\@DEQ0Z/-L-?("8CT]++3[JH33\M*G=)0M6V];^$[W^F%C2:O-!GPCV
MFM[K3U8N'.YK?,^<&N!<O@SIEH&2Z]Y]-EN4V"94H1=`4LV+M:7ZZ6&,3OQ9
M4/0X57]O1GE-RD)-;H\?-8%'\M>EJ7$K%GE=<;MG1!#%-39V2G3NF;`7,?3!
MGG?[576]+%S((B*8,<SM"GI[8C;JOY$MUYE[<J:SL;H\M'$-\<]C,2`1'H5[
MK9&<W>J3T4ZT/LU[EL_R:I6[CIV%-8ENPA$DZ^`#T,G"@+FI0E;<AE*T-H4Y
MIL;H\$BH_D[JZ?/O^UG1^GF3%SF]:Y'>CMK>NTJU(TUSRS<\-V8W3I9>C#I=
M<)7:349A+]NE,D6&"DY:E2=I<7M!-T5K#K&/+/H%!^W7*M==B.VEDK*5S%NS
MW+I+]5#UZ8:[E,GB++51#D`++_=Q5]KD:2IEA2DZ"ITRMO46)O9=T(.!\;^E
MXU8D;7W297[S!CD1=%*QND="L$.E5\L9[]-F#E1&A-3`EYNQ71*S&_(_;&5L
M_L*/L*:_#A+V-T>3,6/S)Z:)2ZJFFV>I\WJ\"Y4.T.5:+UGI5J(U)RHD*MLL
MP*N)ZGNS+0%M86(<:FPGXL!Z7()1]N2T--R4/#="[8_#;]49_GJP@Q/.^@3>
M4\1_V7/5RW&RU='07)C5!U-NU#-,TZW*:F*_AZXTJ)(@1USH;C/Q)8VPIF02
MO51LOROZ";(6@Z7Z*2GP(,B[654"N=3Z>Z8ZM:?VKLDOGUE(!7E!0])FUB=;
M:[#;`093XB3^U)6ZO[<(>SHM81.E>4?5'[73B4V\LUAQ;%1FQ:V_W'L5C?X[
M9(</ESMPO<&>2%)<ZF<O+]8.:E@S.XXZ$X64E#[R99';HF;7+:O%/H*PQ!57
MEWFN&:6*XK%II6"5Z;U%4Z_W+08,>)2KC.F!RYN<[.Z_`DDFS.B"-Q1LAIE(
MQ;B'/K&Z(^M)K)Y/],')Q[43K+85PY.M<B';A_6>JPBU:I)^%=HB.-P*[`'1
M13PY1.PP"VK.A]@M$D0_LM,[U'AO(&Z%N=)X)U:=Y]G<0I_\*M8ZQ=`NT`^B
M_P!RLS,T=P.VV"WS7*E4K45IO1B$2X:J1>-7V9,F*ZV+@OONQG%.1XR5$B8K
M65>%?&5LL<'L8`O"Y.T&M%!]`UBG2UZ)FI]A,=PZJ,ZW7B?1(L^L--PM\7(A
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M"+LMO)LV`I2*]`#LV']G-UMI;%E0AXDV^0?(OK(_E[<^S$UM36RUMIHBEY\.
M=?>M-]MU&Z/$8<Z)<[,>/B?Y47J,Z+6)_2+A;851J5H$4TI(!0S[5MB%"_Y4
M8CO1NM1$,+U%ER/M"+H=*N^8_2Q"67)ES<Z>&@="Z2P?K-R[YU>`4]$U)KHI
MU//)-K+@@DB+R5NG5UIB8._C\9]@VV\EF7'B,;VTF$S"W.1>4>DT:\\MZ)T*
M[IZO=:R:MFK1:SE\Z$N0T#.<MJE0&N5T"1W/!N.13E:?4_"6B,V]HBY/4^N9
M]Q+M29B8H]`\,F`P&!IWY#\N1?+<GU!`"P::&J':O4=K[S3:]2XLJ''!";;S
M+DM8+1SS$B%$;W:"MSI)4G+<95(;>_.0YMW;JG$I-736GG1N)ADP&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
#P/_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>25
<FILENAME>g655598gr4.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr4.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`-8``0`"`@,!`0$!````
M```````&!P4(`P0)`@$*"P$!`0$``P$!`0$```````````$"`P0%!@<("1``
M`00#``$#`@,#!@H'!`(3!0(#!`8``0<($1(3%!4A%@D75Y<Q(G>W&#A!42.3
MU-766-@9,E/3)%77"F%Q0C,E@9%B0R=2@M(T5')S@T0UE28W9R@1``(!`@0#
M!`4*!`,(`@(#`0`!`A$#(1($!3%!!E%A(A.!0A06!_!QD=$RDM)3DU4CE!48
MH;$(P?%28G(S0R3A@J)D8W-TA/_:``P#`0`"$0,1`#\`_OXP!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`P:K*#196:>H@UJR2`<FRLBOC?^9P'#GQ!<DAIW37TVFFI\]EO:=K
MTO>UZWI.]>N]!WF<P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#6KJGEWX_\5[AX_P#CITB]-5_K
M?D[-ML#CM:4++S46"32QT8D820*P84@77$/IF-,0E3WHZ9\Q?P,;<=UM.O5T
M>R;EK]OU.Z:6WFT6D47=E5*F9M*B;K+@VZ)T6+HCSM5NV@T>ML;?J)Y=5J<W
MEJCQRTK5\%Q25>+P1LKGE'HE(>2'?Z3XM\4O/>>C#[B5I?/HHB6<'T"KSKG;
MI#1JQ"*S$T&K(W>II1Q!`TRIW2-_Y-A*W-_S4;ST-JVW4;OK[>W:5P5^ZW1S
MDHQPBY.LG@L$Z=]$=+<=?9VS1SUVH4W9MTJHK-+&2BJ+YWCV*K+J9=2^RR^C
M2M(>:;=1I:=I7I+B-+3I2=_BE6M;_'7^#>=!JCH=Q.JJ<N0HP!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`*!E?WI07]`-K_K$IF"^KZ2_
ML$&`,`\X^M?JI^(W*NF6[CL(EUWMG2.</)C]1K7C1P;KOD'OELE3>GEPNA&>
M7U*PUZLEX[7JIX>]+^XL>W>G&$[_``SZC1='[UK-)#725C3Z6ZOX<K]ZW9\S
M_H5R2E)/DZ4?)G@ZKJ3;-+J):5>;=OP^TK5N=S+BUXG%-*C33QP::=&;R\TZ
M)5NN<]I74:1*GS:?T&L!;?6914*9K9-\(?@,$ARR->L4$6>"3MQI"?EB3(S$
MF.YZH<0E:=ZU\_J]+>T6JN:/4)*_:FXRHU)5BZ.DHMIKL:;3Y'KZ74VM9IX:
MJPV[-R*E&J:=&JJJ:33[FDUS)OG7.<8`P!@&M72_),-S7R/\8O'&;5BY0QY-
MP.YSPMGB3(+(FJ(X;5*Y:B;9B&_O4Z:H^Q8T,QMQ];TTMI6W/PWK/6TFU7-7
MM6KW6,XJWI'93BTZR\Z4HJCX++EJZ^@\S4[E#3;EI=ME!N>J5UJ552/E1C)U
M7%US84-E<\D],8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P#^;+R+Y_<?+DG^J=Y><[A[*7;P\-\@Y/X82TQUNR]=!\`;)#\
MH>Q*KZ4:5MUSH?9R\FER'&M[^H:#*85Z^W:4_JNUZJSLD-GV35.FGUT;ES5*
MN&361>GM5_Z+25U5X9JGYQN&GN;M/=-WT]'>T<K<-.Z5:EI9>=<HG@\UQN&'
M&E*UX;N>;/GN:J7AUXK]ZX#=J5S.M>8/4?'BDM^1O20S5HH'CIS7N@*;9G>M
M6T.Z1$!IDD9'B,"(:"DN():,DF-S7$M(4A?S^P=.6[V^:S;MRA.[=T-F]+R8
M/+._.U)1\N+HVJU<GE3DXQ>55Q/=WC?+MO:M+K=!*-N&KN6X^;)5C9A<BY.Y
M)8+PTIXFDF\6CZ\H^A>4_AE^FEY&]D?\H17D/V*HQ!5RYCV*?QSG=.A1:O8;
M'00X\3.J-.=D4FT)98GSWFB+;,?3[4QO7Q>K.G%MGTNS[]U7I=`M&]+H9MQN
M6E=G)N48S;:E+QQX)9:NE'CC1<>ZZG=-FZ:U.M]J6HUD$I0N>7"*46X*F6-8
MRXMUPX]U38?S*;[HTBHEJ3YL<C\(.2#H9=5]Z!=N>42YW$[9WWH&JN&`%^MV
M49S*LUYN$B:[.4_`($)+NFD,;81IQ>>7L7]/K.&HT%_<-:VLD(3G&*CCF;5N
M+N2E6E*-)8UKP/3WCVW+&5C6VM%IDGFG*,92;Y)>8U!+C7!OL[5#_P!,_P`E
M^@>2/(>LL]/O'-NLW'@7D=TKQ[D]LY&P/A<_[:%J`RI6JI]0"B1!FPA@DL]5
M;Q#:(PX4Z3#8*1I&F5:;]J$\_5FTZ;:M;9>DMW;-C4Z6%[RKE7.TY.496VVH
MMY90=&TFXM5Q.#IO<[^Y:2\M1.W=NZ?4SM>9"F6XHJ,E-)-I54E5)M53/1C/
MESZ(8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"@97]Z4%_
M0#:_ZQ*9@OJ^DO[!!@&M'FAU(_P[Q`\INS53U_-/*?'?LW1*RKV)<TW8*=SN
MPGPKJFU)4EQ#)*`TM2=ZWK:=;UGK;#H[6X;YH]!>_P"S>U5J$O\`IE.*?^#/
M,WK57-#L^JUMK_NVM/<G'YXP;7^**@_3!XE3N"^!7B]4JC%95*L7'Z-T^_65
M>DO&>@=2ZC6QEYZ+?[,45I4PV>M%H-R'W),A;KNF?C:TKXVFTI[O5NOO[AU%
MJ[UYO+"_.W"/*%NW)QA"*X)**6"25:OBV=?IS36]+LFFC!>*=F$Y/%YI3BI2
M;;JWBZ*K=(I+@D6=Y:Q.V2:`*7Q_R.YCXJ#H5@3-ZAV7HU&#WV0`HS(PA_W>
MFCK;8Z[01EBGV!4-M<XY];"CP_FVF,Z]MOTZFRRT"U+]NTMW62<:6[4)N&:=
M5]IQBYN*C7"%&W3%(Y]U6L>G7LFHMZ6-?'<G%2I&GJJ34:MTQE5)<F>:W#?-
M;M<F@?J=\TF^2/(?*.W^'O#H?8.*>5/,*_18PRU#^A\EZC8P`;H%0HY@]SG=
MUYG>N92FI28*H\4B/?C+=BLJ4O2OJ]PV#01U.T:M:6_H[&NU#M7=/<E.L7"Y
M;BW"4U&>6Y"XJ5JXM.C9\UHM[UCT^YZ9ZBUJKVCTZN6[\%&DL]NXTI1BW#-"
M4&G3!IJJ1`1GD/\`J,\V\?/#?SYZ_P!]YA:*+W*W>(H+JGB0!XF!$U^O4+RE
ML%$YZ-L%0[$T57?9O4ZW/OD`W.3(2@!(>W*AL1&66V7%]B>V=+ZK<]=TYHM-
M=AJ=/#4NWJ'=DW*>GC.;C*W3(K<LCBJ>-*C;;;IFUKM_LZ#2[YJ=1;N:>^[.
M:RK:BE"ZXI24ZN6=*2;55',VE@L=_?,O]OL"RAS@#]0?B?@CQ=BLM18Y&Y<O
MYI;KC<>E+($USM$;+VBX"J5!I0X-L?\`%`'04E9$A<A2YK+?Q:W\WL7]-E:E
M;N;9J-QU[GPC<N1C&W14I&U%S<V\V,GE2IX6ZGM;Q[?&ZKEO<+&AT2CQE"$I
M2G5UJ[DE%1IEHDLU:XK`TL#?J2=^NO@/P*R4]WD!+S`\A_+@IX#U#H`:++/<
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M.G<@\*;7S/FXN)U+G5('R3\6B6J[V^_H[&2Z3?Q`YZ,S.KR8$*.2>90S#>1K
M>U<'3N@V7=I:?;OZ7K+L;KC;N:J-R;\N<W1SC&,/*5N#=6IU>5-MH[&]ZW<]
MM\[6RW'36_+4IPT[A#QQC5J+<I*XYR6'AHG+!4KA[.<YN+'1.>T/H$6&\.BW
MJF5>XQA\A:7)$!BSA()MF&^XE*4K>BMSM(5O6M:VI._PSX356'I=5<TTG5V[
MDHU[<K:K_@?7Z:\M3I[>H2HKD(RIV9DG3_$F><!S#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"K.XW>R<TXQU?H5-I1_I-PI/.[C
M:*ESVJC9!>QWBT!`$\A7ZD%&Q-;D2R-A+L,Q&TI]/YSOKO>M:WO7<V_3VM7K
M[.FOW(VK%R[&,IR=(PBVE*3?9%59U=;>NZ?1W;]B$KEZ%N3C!8N4DG2*^=T1
MX^>*WZ*7CX-\=N6K\@U=_G][MU3BWSR!DUORL\E>?`BG:.B_)<NJ.MTZ@]6K
MM0@(W<#LQE7TT)K3^F_>Y[EK4K?V^\=>[G+<[RVSV9;=";A9S:>Q-JU#PV_%
M.W*3\*3Q;IP6!\EMO1NW^P6WN'M#UTX*5VE^['QR5980G&.#=*I*M*\6=;QI
M?.>$_B1U'Q([SXA^17D#P_C7E'U/@G,1E'XH[W=%R\1KL@EUGDMS+U29)=FW
MZD5,=8%4XJJ'')RHL^`REUC:-K6B[HK>_P"]6=YV[6Z73;A?T=N]<<[ODY=3
M&ENY!26$)2:\R-7%--T?;="[FR[5<VW7:34:C1V]3.W!0@[S=F3<X2DG]I+&
M+45*GA7S:@:\9NX$OTV_U4*5Q7QS[SS'@'7;_1Y_@OXB="&E7.KU*L#'N;;Z
MG-KO-R!$L<YI1KS?8!`L%JS[K3@R&TZYJ-'0\E&_<6Z[=;ZJV>_K]5IKNXV+
M<UJ]3!KRY2:GY:<TDIRA!J,KBKF=%5T/&O;?K[W3FZ6])8OPT=^<7I[$T_,2
MK%W'E;;2E*LHQ=*+ES>XOEW2T4K]1F#Y!>2/A[UGS1\="'C#6^?<`8YGQM'D
MC"X)VH3?+48Z=LWQY>IFZ\9ZO7B8-,.WZA[0VV*5!=DL-^N\\+9=0]1TR]MV
MK76=!N:U<IWO,N^0[MIPBH4NX9E;:E6W7GF2;/;W:S"UOBUVXZ.[K-$["A;R
M6_.\N>9N5;>*BVJ?Q*+DJT3I??Z3]#Z;1ZOYER^E^/4_QD_:/YO=`ZG0.5R(
M`&"/$<RMG(N(,U#0U534[4I$F-&$N1BVACKT*.=CS8Z'7?AVXOSNL]1I-1>T
M"TFJ6K\K;X6YW*MMW(W;V:N;Q8UK',DW!Q=%6AV>E-/J;%O6O4Z=Z97-=*<(
M-)4A*W:RTR^'"E'E=,R:Y'J]GQI]6,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8!0,K^]*"_H!M?]8E,P7U?27]@@P"']#HM<ZC0+SS.X0]
MD*ET2GV:BVF`E?QJFUVVA9H`W$2O:5:1N2-(.HUOTWZ>OKZ9SZ74W='J;>KL
M.E^U<C.+[)1:DG]*.'4V+>JT]S2WE6S<A*,EW233_P`&>+'C7Y&^2OZ>_+JY
MX>^5'B-Y6]VB\(%1><\,\EO%+D[_`'>G=MX[6&]B>9O7('6RS=HY7U$358L0
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MV553<<4^.2CI5NCJ?C_+NHVRQ_K`WRM>&%V\:.;^0/A3RRJ>-O.YG/0-*L-\
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MCKV<RL.OU2/RG]1CR<[#Y/\`@GV;S7K'5*%P\9X:W/GO#A/D;7>7A*I4Y@KI
MW&7A1V5L/PVP63I+CAUTW.U`&%HDU.Y$]O43;>=S0WGK.E])H=HW&QM]ZS<N
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M66]+JK6AL*\G*Y;R>*=NF,6\R2RI)M4DY-+[./GBODEVJ7B7YE^,UO\`TR>K
M]S_4BZ@[Y:Q2WE&=XG7+?S?K"^D$^@$*!VH=Y16)4MD>)K?."XZ,&J<1U!R(
M3',C8HYM;FWD_3>V6+V\Z'=M/NUG3]+6O9VM.KTHSMY%!3M.Q'BY33<KC63+
M)R<FE0\)Z6[#;-5MNIVZ]?Z@N*\G?\F+C)3<LMR-UNE8P:RP34G**P3DV?TX
M>.0PH%\>N$!S8LD$-">-<O&%PIF,N&8$%(%(!Q2`LK#<]7(A(?+:6T^VK\6W
M4*3O\=9^3[K.%S<]3.VU*W*_<::Q33FZ-/FFL4?HVVQE#;K$)IQFK,$T\&FH
MJJ?>N9<N=`[HP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@%`RO[TH+^@&U_UB4S!?5])?V"#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#K2YD2!'=F3Y4:%
M$8UI3TJ6^U&CLI4K2-*=?>4AIO6UJUK6][U^._3`/U,N*N4]!1)CKFQV&),B
M&EYM4IB-*7(;BR'H^E;=:8DN1'4MK5K25[:7K6][3OT`[&`1$IT"A@VYSQJ[
M5(2T,F0QQ%PE8P\%$`@1)0`P^!,5)F-:C39Y@K%B,-+]KCLF2TTG6UN(3L*,
MSI8N)`CI1<Z4'!1,%&G9I0M-C#AT-M2TM)<E39CK,:.A3BTIUM:M:VK>M?R[
MP#\%F1!R.J6%*C2\1*TMJE"YT4A'2XN.Q+0VIZ(Z\WI:XLIIW6O7UVVXE7\B
MM;V!DL`ZGU\'Z[0SZV)]RW$W/T/^H9^NW!2\F.J;J)[_`*C<1,A6D;<]OLTO
M>D^OK^&`='\Q5_?I_P#3H;\3.Z[K_P"DX7XV!.M[4"U_E_Q,ITG?K%_^?KT_
MZ.`9G`&`,`8!P2I4:%&D39LAB)#B,.RI<N4ZW'C18T=M3K\B0^ZI#3+#+2-J
M6M6])2G6][WK6L`Z\<J+EO-1XI*!)??@,E6&(\R.\\\+D*VB.2:;;<4MR`^O
M7HA[6MMJW^&M[P#L/28T;;"9$AAA4I],:,EYUMK<B2I#CJ8[&EJ3MY]332U:
M0GU5M*=[]/36\`^7)L-J5&@NRXS4Z:W)>APW'VD2I;,/X?JW8T=2]//MQ?J6
M_D4G6](^1/N]/=KU`Y7GF8S+LB0ZVQ'8;6\^^\M+3+++2=K====7M*&VVT)W
MM2M[UK6M>N\`_&'V)3#,J*\U)C26FWX\AAQ#S#[#R-.,O,O-[4VZTZVK2DJ3
MO>E:WZZ_#`.7`,,JQ5]$H7!4=#)FG'2+`6&HG"U*,/B-+469%Q]OZ>(.BTMJ
MW(2UI>V-)W[_`&^F\`Q#O0J"RD>IZ\4]I)8E-#"E.V4*VDF7&RD02(H?M<W6
MII*!-<2R\PW[G6G5:0I.E;],"C)(LB/:GQA3DZ&V4FQ)L^&-7)91/EP1KT&.
M1FQH:EZD/Q(#Y2,AYQ*=H:7(:TK>MN(UL#N8!U84Z"2CIECID6?$6X^TB5"D
M,RHZW8K[L62VEYA;C:G(\EE;:]:WZH<0I._3>MZP#]3,B+EO0$2HRYT:/&ER
M(27VE2V(LQR4S$DO1M*V\U'E.PGDMK4G25J97I.][0KT`Y7GFH[3K[[K;###
M:WGGGEI;:9:;3M;CKKB]I0VVVA.]J5O>M:UKUW@'S'D,2V&)45]F3%DLMR(T
MF.XAYB0P\A+C+[#S:E-NLNMJTI*D[VE2=ZWK?I@&#CV^IRRKX*):*[*-Q9RA
MDD-'-C7BL<DB$Z26/?'-R52VIR!S"Y&VE(TYIA"E^GMUO>`9F)-AD&52($N-
M-83(EQ%/1'VI+*94"4]!G1E.,K6C4B%-CN,NH]?<VZVI"M:4G>M`=G`&`,`H
M&5_>E!?T`VO^L2F8+ZOI+^P08!TB)(<'@3"I:?"%BQ\=V80)$93$&!!B,(VX
M_*F3)+C4>-'9;3M2UK4E*=:]=[],`YHTF--C1YD.0Q+ARV&I,27&=;?C28S[
M:76)$=]I2VGF'FEZ4A:=[2I.];UOTP#Y7,AMRX\!R5&;G2V9,F+#6^TF7)CP
ME1D3'X\=2M//,Q%S6=.J3K:6]NHTK>O<GU`[.`,`8!U&I\%^5+@L3(CTV!J.
MJ?#:D,N2H6I:%N1-RXZ%[>C:E-H4IOWZ3[TZWO7KK6`8>QW"I4YD?(MUHKU6
M8+DD!Q3UB-#0K1,NY%ESFQ8]PE)C(FD%P8#[^F6]J<^%AQ?I[4*WH*-\"1X!
MQ/OL16'I4IYJ-&C-./R)#[B&6&&&4;<=>>=<VEMIIIM.U*4K>M)UKUW^&`=,
M08$'QL0R!*#C8B>U\T$J(G1B0V:S[E(^6).ANO19+7O1O7N0I6O76]?X,`R.
M`8H>="%WYT849%$Y(QYR.2CCR,2:^/?:F3ASK$YJ,\XY$>;(#)+"DN:2K3T=
MU&]>YM6M`97`&`,`8`P!@'2D$AT.2/A2Y\*+,+//1A421*88DDY$:(_/D1Q[
M#KB79KT>#%=>6AO2E(:;4O>M)3O>@.[@&)&'P1M4M`8T)+K@.KCSDC",.>J&
M^W)E0W&9:8CSNX[K<N"\UM*_3>G&5IW_`#D*UH#+8!'(-PJ1.P%ZF-M%=(6F
MOI:6>K<$T-EG@B7XT&8RHL(8DN$!VG892*ZGYFT>K4EI>OYKB-J`D>`=63.A
M0MQDS)D6(J;*;@P]29#3&Y<UU#CC4.-IU:-ORG&V5J2VCU7O2=[UKTUO`/E!
M$>X0?$HG0UE(L.(1E#4265$(P^>]-C09S\/2]R&8<V0-DMLNJ3I#BX[B4[WM
M"M:`[F`=6;.A#8SLTA,BP(;&D[>ES9#46,SI:TMHVZ^^M#3>EN+TG7KO7JK>
MM?R[P#M8`P!@#`&`,`8`P!@#`&`:S^8O*9?<O&SJ'(H@ATY^T`>"K<X8P_%C
M/OA)ML`?F!UA^8_&CM/0P2)#R-[7I7N;U[?57IK8L71U/."U<J\T18[LG2AM
M$MB.T];K/.Z/.LE%N(W1T(GB+??:SSPJ,8'=!HOWD9<#3(4_*B2"D6`/3=W7
M)S$IN%,AJANL?074P#\QJ6<AWJ9KL=S@D;C9+#?J:-M-1,N?:HO4KH(I@.A5
MXD;"A@PU5".CI4F,P_'2]'BI=D*5)8TC8GA>!6(;QU\G#C=,E6L%9(9V-;N+
M=+-S]6P)`7)Z/72O+IUA+6F=7BZ99P=%DAYSTZ(E3L.5N/M3;3B]M;W2MQ+/
MJ/'/(V_>'[]!ZX8MIWII_MW"#A:/>:W624NFCJQT;BAKI+L&/:;IT6N7NK0B
M]</'(FI#B(+C,C<2%`:AM1&,$;6;#@=J3S#RI`=#/&*N]<E5VF7"L3Z+7`5B
MI](IE['KO_&`MH_-`$*W'@/1)/+1]A0RB5&4T-2M3D=G<AJ'I`5C0KWG-)\X
MC30\T=G]AJJJY:%GZO6S-TCMP772ME\67RP>Y,SN@7T_=:L%C(Z-'BI($OB?
MAJ>>CPXGO%,QPK$QYJL^8+7/F%!JCWF3=IG/-U;I-@,W0+.MP_KCAZ(5.6SF
M+U>Z94)A+F\P]!99%"X1D$'CC)BY#T5+<=^(Z+X:\J%W0^$]8MO*:P`N<&UU
MVS%/*,!U"YDJI9AE:L\,0Y76';$?'GP$W6Q+DDYMUEWZ!:).D.+TSI*=Z5H2
MJKZ"@S8[SWG*L,F6*[,*?@<@I4:>,KQZ&2@]&Z+5WN$S1T.(8@=<K[M$WTGV
M6^!89E8'!5@6]JDO2"N]QV<@\/`O[RCD>24"PHN%.;Z77!@?DM:-B9-5M=><
MYI330F1?RGD`WU>%*FQ2%IG/4-05BKR$#YJ4E6%.QM15_.XNA4->:`#\X+`_
MQHV(LG<P'*R$F"=&+O,D-=^A?>'*QPR::1T[[?TH/%70[D4A7E@:Y)V9B"FR
M&GV8+.TAM,@\OI./H?+O,L^%9Y\N%WN8$C>-;8>VFX/57'#-]M^Z`"N$J>Q9
M8_3`42N='UUQDB&9BC0S"G(;*5.%6QLEF&@6L>.'$YKUSWS4.!.UQ#L_O-CK
M-DNE]%)H%&GA:W8'JJ4!]WC\9*4F['>I28;P';!BC1+.-:C@VFGX&WI[4S:R
MZWP3C@;*=+Y7WPZ1Y("JLF[U2KQ.9\_`7DG0;.%J1Z+.!5CI[Y$*W88K[9Z/
M$59M5]#VH;FFW->WV*TGYMX,U1%>^\U\K.H5KQSF@ZI6RESX;SD!V\R_<SC0
MO9KR9"LU9L2"KK%=V[`6:0)A6L9,7*W'#:9LK6T.[TE?L%3BF^S_`&$9-C/+
M?9?I\P?3.I64!JX=)4#L1>Q1Z_=/ROT*T<T=U"J=<$=&8)"HG'ZI&(,"T5TQ
M6TVMN)K;FH9!;LIX/#@3*P"/+)WC/B;IV+T4_P!0A5TD$Z]4$S@@@84(E:["
M#:M71[0-NKD!!.D,;D3XXQW=C#GI*GHLE*I*H4]D%2K("[S?R]`UV`1DD>ZE
MQYI[2>JU*H]!KL&PP:+6[3R1@6%XLPR7#P*;8I=;787'ECI429-A(DM)D)F:
M&^P*Q[C8OQ:KOD#$Z#W6?V<_=WZZ3-2XM,J]F@)?!1ZU^<+I)HQ>N6;5_LNU
MDOV5S`@\Y#8&"$I)PUO2-RIKC\ET1THJ&CDOP]Z9`O\`P04%Y,1`TVI6`T-8
M9K,.@*"#:FORUZK?%N$;?,L3-RXV_P`_YH='V&M.U5EUVUDI&Q!Q+D6.AC(:
MS+$R7*?%>Z`J8H9>^:Q]\Q=[KRZVN)+\KH53/53DGC=R&K3R5D;H5=M]^6.N
M'9NC<K$")NX,M<XM%6[+7'AL*CQVZ&\>^AM'Y(".K]`M_CEU3D-6[#`(KYA?
M6`\P`4!51-*MG0+EXX6>LC^Y`"QZ%+GTI(.I%]&8#39)I"H:VELKD*AJT,JB
MJG0TOZ"=\M.6<R/'>R=)[$/*DBW1_M(6I6.J4P\QVMH4`C4*?49I[IQN5T?B
MIB6_-5L*+BQ8[$EV*A`3:EKTT-+*^%"]3?*_,QD'>RE9.]/#6.6]?*O5P("X
M5076A]:/5KOQ&)9!%>T\D%'MF[K+J3C!)]"YC"TMZU[6E3M.3$B<3EL_(_+Z
M3^9PX:P=;A#@Z^A1ZC81G0`D6X6`96U>9<[CX^PV]Z<JRG86B)SGRMHG/[V_
M_D$3-K;^XI716/R]!V^*6[LEB[CWVA'K->+!;1_'>K2K*'=N5.L_,!]R)=3,
MCN/,4D*)+E$T@FQSIAN#/A3V1ORS(K^W67I#<J0H,*+LJ7+XX<]\B*Y8&I_0
MK#?FXMCH-]'&!U@L@8S5:F?#R>3P.7:JM8'N[@@O:,=LSKOTB=)E*UO4I6_C
MAI0(VC7&+P/IC_'.15&D\?OO&.N\.`W+=PNE4*TJM/\`2^LPN"]""@;K`O`8
M[+)=!`W7J$]HA)=+)CR9;I+22C.M+G,Z%KC5XIDAE4KS5"';1=`T"^F'1IN]
M)KO-X'0*W4:5805B->8QI]QR`-ELPHAR>\2YYN.1=U]=%7]/MM;2_N"U05C\
MO0;E^(T3K,#C,2%V3=HW:(]QZ&D2NZ;UNT+HKET-/T-1CY;ET(DB1JK.QM)1
M/-DB*&M)3*>V_I:4TS*E<#9O!!@%`RO[TH+^@&U_UB4S!?5])?V"#`-?/*:C
M0>B<-N-:G"KL95]353PN'ST15+':F[%4K@!M59(0ZO>GV*9:X(NP!HTF<+*?
M)"(P6GH[C;FG/;L5.C//VK4/SRL=UB[OQ&V<W#SI?!(YJB\HD0`W/1//FW.'
M.W8;3[1'Z*09J12L$@UQC3X0X1HC+'$EH04E,,BUIF)IN/(DW[-O-"PEA,*T
M%N@0AHZ__LR?L(&W5<4?G\9J77_'^/\`M(CG1LM)L&<Z[SZ):YA/45;,]$>.
MA'M:E:C>E%8F"X#:^^BO*#E'-^NV_I!"X[JECD6P#N_TX_1FN>@^,\X8`NW&
MH!#4TN*Z0GI\LA*D%'H,;ZW1!O:I3[+T)EL'2E5P+,\F:WY>&>IW!'()G48,
M"?27(E'-56TU<3SP17W.7]-@VV&4#ER"'G.PR>GS@$@'/=@R$L-MQMMOM1F2
M;3@BRTQ.&AT#RW!^2E0B';KTE/#*R6N+=:=)RD7MNQ5M%FZ\N6'Z:;?OXN8W
M((@2U3="$R(HY/:2.TPRY%6J=MX6L:=YF^Y\X\E3_6^AGN>D[Z!K<&IJ/4A=
M,L]>K4:R7\#4PZ*N+LB-N-$3P1NP*E^^#/W]`_ZJ0]I3*O;L$XTHRQ/,/E5^
MZ&]RX[SP>>)&Z!&[L0BQQ=@8%C-F;-X_=$J=4;.AY\^*'L<>=:BD.*VS+:D,
M-[D*VYI+2G%8)%TX\#66R4SSTEWT'&U;>@@*#7.M&Z6+-A=A+<3-U4!8@MHY
MEU6SA(%_I*I@&R`;8:KQZ//7+:2L+%D2!CVMLO(A:QIWF\/E91[!T#D#X0!6
M=WMN!>N6VJS<XT\)8WTJCT[H]8M%UH2?S!+'U^6Y8ZV*DLHAD'V!Y%?I#E.-
MQWW5IIF/$TDZ]`\JK5;AD?Q_YMU7BG/G^<D1$$:'(5FL1XL4]7KO)F3)-?3T
M!5/H=\"W[0WZ5,4`2(/M.ZDK),1]O0U0TLO,C=[K7GK$L::W0HG5T":PCLP(
M5;G+Z/./7'F<LKW=VFN$9]@Z!&$#>EBQK-1BA)LP(2-2GWX\F63B,-SVETJR
M\R)+H'F'4J1:8O+Z!V85JU7&RV6I%#%Q`S^G@YG[3O)&X5!-UW!Z97%6>)9H
M=EKR9ZCA@E"&L.-;G0"#VY;6HAX>=/E0M+51\Q*B>K-ADD>U7"$_T2FW&P4V
M5=(#E=++E]5[T.M0@E8Q=H#EN=TBG\ID5$M&A0XQ(03>@-0YD"0_*E.ZI/#0
M]+A);74.9P#8M-KI">@TA@B-^Z0?L5VJJ+2#3(@NSAKCCZPUE#IG(6MA:E+C
MR6_8K^<G>L&.#/(N;6?U*RU<+R;!,O8AJ6[4[D=&UX_7YIUD>;L@/GESYO36
M:M<Z@7V_5JKR=-R;=C%Q[[RKU+8C25R6OIFQR>`W!\E!_D<UXM4BN\U1>;IU
MYT+7Q=HN=6D,4VYQ+#`YV9?9N"ZR+Z+3![RCG2H0Z--&_F#8V`V07(D?70XC
MK#XRJ5QX%-5RB^9[/7N.%[)<>G0:B3O'0++>6FY$"VBX$Q'7IWVRKF1,&]5<
M-7^>V#A<&'$%JT/-M#9KTF5].T3VRXL5N-"_O.%/D'*YV"&^/`*VSK7)*F):
M3],.)'E*\:%UHI+IC4\0]=J!`,UX[9OAC35SYLL9#1[7)0Z>WOX="1I7$>:E
M,[7:*Q22G!H4EZ]5,E<B+$^#)@QB`R(5YW9J]/4)5-,`5:/$QY1^&.4W+C*:
MGR&5[?CZ3M]L(M<S3R8!\ZVRU8@P-]L(UL;0(HRV'XY&&"/7&A3"`2PD6AL`
M]V4]&J'<PP=1.MCW-1I)J2_"9)S#Z=S4,-B^'N.I3>+>6XL=/_+L7LU&$#1G
M3KG4ATJ]4Z/;3MQ7>S-AYT/Z>4%&"#UN<F1#;TB=$FS'X;[KJT2U+]5I4+5&
MR/A/=KI9NC=Z"6ZU7:SSJN!Y>FT*/76L76E1>IE;EWK=V<Y@[6#!EBNU66!'
M`/A%/;A/0XK<?2X4=Q3JGAF2(&9\?NZL=BOLJJ2NFUZE=,[P?L]JL('H,:(8
M13BI;PVBR$UPK))O6"H""=9I=MBN1A>XKJ8T3?LTA[4)S0J:ICQI]97PBI>=
M]GN=4`69OL%4K3E;Y!6.EGA/0(#/WN&(M_CG(L5L%'XM\<9KEH,U=N]1RS(`
M",E-H;=6X0EOR1^F1?#0RH.N^:4$"J3:*GUB\]:!LTPH`:(7^IP>8%:4%X_L
M<X!U(;-N1@'8Y?54S%E3.Q^R#C<EMUB;]'M#+(GA]!?GA=3>XAS-ULW:1]L0
M^0JHBL5@O=WV%V6;70/8>]GJ[`)L.WKHYYEX?4;B,4G[D8GS=-/H0\]MY#C;
M8DFJ412%FK7FQ-Z>^-KYKJPCFS'D):C".AO--%31&,7,ULA2QCO-V^MA1D7C
M=`"12@94B.ZD::9F1IDX$J<R_)5"^&G?0R.N:^9<<#1:THE?CPXOQNM7_H$^
MUW&LV6?#[F$FRP5@YFZU/>TTY7;2S>V3J$1F]C8JJ?MIM;:GVT.AX?\`$BT6
MH^:DZR<V;58?(.CQ8L&T_M//O+KG1=3>S(F#'[06JP1?3@E5C\:LU52]'IS$
MD;*&BY&UJ6-B$-(<6'A[CT)\8-=";X;1HO4A!T/=8#!@:1U:#)`W8S,,?8"L
M0):SCA6PVXD))W`(S'*.BGRI%P.J7]#N0[]/[MTS*E<"_<$&`,`8`P!@#`&`
M,`@73[W#YG0[%=IB(3Z0L:/])"($_M$<F6)3X@@&&1.3")R$S#1F>Q$CML19
M4J1(>0TPP\\M#2P6)I%$_4*@R`J+0[Q*Z1JRX%@16ISUAKD<F]U`I4"ULA<]
MU7YRX12'$WL'(ANEYB8K4>0MG;D=*%/*8&\AEHOD_P!5"<II-XM-%E$;.>\M
M^B\7L5$J4&';ST&J`N@]7KHP?6W1Q$"/,$QHVH0EKG.;;]\9+KKK"7O5M(E%
M7T%<5#]1<@WR0-T*Y\B/$TJK;L<S/`3P8%QSK4CF-@[4)YI&JAPO)G#DO\[#
M(3(*OS51(Q9[4?>E-:<D-BY57`MZL>;#ECO==HF^/'H<O\\Q>9])))M]:DPN
M?74G<.MTT3&AMKU%F7,'+G\;(NKF16V'&69D+_(*4J4F()EPJ0R/YCWS77O(
M*FOU@')%\3Z/4.;5NMZTZ'M?6SO8B7,*QS>>#+D"#PD-S^H6BX285B-J8DN*
MGKU':BM*B:^Y"Y</0<W_`##!C;)`A(XS;6!`[Y*H[+_--2<EO=E;KAPXKFL>
M`B5_.&(EUJ9!58%NH@?/\*](4RXIQH3+])MORWH9KKO.2A[0)WFUJC6'I5"E
MC"$L=;V@%IY_<+'0I9%J2->A0CXAPN`5,C:VJ*X]%6A+R&'=K;0(U1]QH=S[
MSTLE.YX,L/;@CMY:BA?S)?;Y1`PNH#ZO^9B'51_/*P)HA&S'B]CD%5<AF:FS
M4S6FHCQ*)_-6UJ4N(-9<<"4Q?."[5`I8@?2.2RY-O5ULO3XO.ZI9PY^R5(0[
M5.>ZI&G98@3L,8'V^[65R*@C/D"D-./?`W]2\QMK<&5<N!MGS_OM+Z9R*P]K
M%:;A<V'(N,L=83Q(6/$'JU342V2MG5/>?5!%`%3!TQK;LI:4MMQE.K]$;UE,
MTQIS*>XSYD0>KW6I41_FQBAR3K=\'OD[*0E#@[]JHDZ4A^FT=1.MB)ML.+KD
M5)I^+(8$38XAY$EN/(91(6P*XTQ,X)\NZZ3E^2C3=7FS87CO4"EZT6`E62HR
M^@1$GH@N?%!DI<$.+:/PCW,2,*2PU(F1(KVVVW929"9#$<,O#O*_D^=D,+-`
M!+9RLL"M:[H.I]ZJ4.U"[(9I;-I&<[*4>T-K!CI(HK5SB.IB6),R5)%L1)OU
M,9I<M]E#;P9254?S4J9KF=NZ%T"F67F4BG`2=K*`9.EV^,Q78'%ZEWEN7.MU
M7@2JJ%FN46YQ6UL3)+&EDVWHT5R7I*'7`<<:(HR@>?A$KQBJG;9`KI.Y2IW9
M*??K[1?JH_*ZI>^?5N#;JM7@JCK\[[M;>@5ZSC'@8F;/@ME'(\Y"):76F6'Q
M<N)-M>>"W2LFHU?E9/H5D2BK,UZ>-M(<!7[,N>)NLBVO$#92%H&"(4XI0ID6
M=!@232F)#B6'%MR$/,-RI,ID^O>2%Y'6WQI,TMJ:'Y5TSG,SHMCDK8K$X\ZZ
M<Z)XXT2H`B`,HTX[N$PSVQUV8X.)17VGTMNZ6^U'7%E4*.#[3!QOU"A2:P+L
M)ODYH',)RJ";;J^[6).6-WE70@\$Q`Z!`AUP>6;D2`;$Y.BT%]<6(.VIKYB"
M=R&4K#*2:G>;!"\6.L4L/Q,TQ;[P2@D*B,)WJJL0)G,WW+^B=?"Q:*F:D3/A
MZYO.]@1#4J8]]3#WM;:%REPP<:$!&^=3UF3SFJ5P<X^;MP_B1ER[[8B/0D.V
M/IO!@_0*=90$-$X-5;0Y2^PLOQ8S):?*92Y\SC3#>XKD@7*6?VGS7&<9N-SI
M!+FU@(G`TSGXBBP5S)4&?U(E>6&Y4@M5($:OEY$NB57W+A$2T;ZUZ.787$=A
MM?)%=DB*-3H#?.@5.=BKF\BO8&%9;:[S[GR3<P)`/VN_M/\`,HZJ=/KCDCZN
MIG=JZ(^OX)J_E0S7B3CB$);:VZ&4K5?GF-=YK7>@/\;.=$AH,T&FU4LE(Q@]
M9NS'.21>QG!HJF!H%Q)5F,%HKTC;4Y#CZI))O<5IOZ9:)JG`N7&E2_17EX`D
MT7O5\-T:SU9OAK/U\NCGEL#.GF`\L6[-KA>?42S0QFKC[K)CN-AY+TU^%):;
M6MU]AUB6Q&$R\.\A-O\`-0[S]1YBV<(.MRZW+U2"+(*_5(JT[VA[E\;M$+G0
M]Z:D,IX3+YS-9?\`O[J&(K<]>XRF=)3\^PRUX,AL7SCF#6C/T_C.6AW26>._
M4A1U[H*&C<*EP_(&/<+',LB4QF'7X)/QG/0Q[3K:WYS<H:ZYN*AZ4F"+E[\#
M+S?U`!<L_/KE%Y67O<Z8]7W*-+@VH:%!V8:2$7LH>>)GC8R*+"%*>]S^9%GP
M8CA9UF4M##JFI*'V&1,O-EY\&\H*QY`&#@>L5H^)>K%>!V"Q[,NC=.!DW":4
M?HHZ6Q#E25?76NEP&C[6D[4AJ!-8TI7O7Z8(U0HFV?J.<UI)Z_UX]0KRB;SF
M#:I)O4'82;N1.H%COT:^A!K22#;TDM6.?4V';5HWI*'0U@@;2KY%N)0*HU-L
MN&=6D]EY]$NLZDV+G\]9BP!)M=LD0C'>2^`+RAGW,3)*"04LM7C#3"9,*9N'
M'^9ES7\Q.];U@C5"X,$&`4#*_O2@OZ`;7_6)3,%]7TE_8(,`JWL'2]\JIS=B
MCU^3:S!6TTNCUBN1R$40DO:K_:Q%/KT::9FH=C!Q:"9EMR7*4V\IF,VM3;3S
MOL:6*E4T\=\_ER@Q(G7N%6DQ+@JC#F1,BZTL2_.LPKF5WZOT8"S*>DR(;6J3
M7J%+C,RW%IC%B+\=#*D1MORF!<IDI/GA&EV.74J;R@G<CDZ90X%+W"N`H8#.
MSK;+("CD`S9B0QH&$(T0R-=CDF(3QAQE:5-N::DI5&T&7M.2M^7@DF_5;B$H
M:#(OIEQB")YDD2J=)L%`H$?C%$[).LUB^:200?IU'K]KD.DY[TR$B)*4U%;0
MXY)B_.&4AK?GB?LS\1L9S=^J5Z,*N[]NMCQ39HB%+U*[^.8X,U7*L:"521:*
MU;JGWV'*V0<W!4RKW;CM24-H<D"Y3,*_4!7IB"\GA%J5]72HO9EI_.M-3]-P
M,H#:L86_+5N1Z.VDB-1*;W7$>KS4N/I&Y6V7$2,#+WFROD#WK]APVMN0:23O
MYVRO6I^(!'&1->TR!H=,-WVX%G2IM287U$,""<;AQ?P5,FOM-J6PQ\TED92J
M:`1?-[L-?L$>\VP%,*<Q-6SO,"H5\(2JZY)]Z/W#C_"^%@9L6#S^?<!`735R
M>+E'VW)9)N9)=WOYX[+$#8WE7#F7,GSJ,%GP1,3QJ^"VRI@+2P=)M#U;K]@M
M%SMV^`1&(IU9*:B?SN/2B_<XL67J3&??E;C2UI93IJ/J2,Y2P.4>9S'5[I1Z
MX-Y581=>MQ8C1Y]NF66MO-USJ@'EK?6K#3I`-E[1,F(@UU]MEDQ']6I,O:D_
M"AO275@XT+0UY%"/[1S7CVD$[+?D`"D_5M&$%D(0NQAA%?LLRI62(@6W!!DW
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ML,Q!E&S_`!FY"*Y58DU'2"Z3`_4BKG-&NT@@H@-7CT&MV2QM&97$YCFY$B**
MW&8GQEK;]?F2V-9>\EM?\Y9,_KH+A]@X3>@O0=VEJNWN`%(Q;R.I,$KL*Q6[
M3]XK(V0/)5^;*,>Z>[)6,4,B1G7EZ<WI+:A,N%:DC\D/+,GQZ?=ZQ5N?2K,4
MJ]"%%I5FDG!0P,$N?18'18_(PSXF5I9,P-,V+GCS!.4SI*1S4J.O27T[D?3`
MHU)-*[+?N?\`$>`%YE-*=:ZGU&-4J\^*U9*95OGM$SE]DZ/8294ZV+"5J/"C
M0J?-0GZ$>A+CRVDH92C:E("B;?85`+_4%%GXL$\!X[:Y5/F/32VSDZSU8=.8
MYZ,-<XJA"YJ`_/*D*E,VKID5A`K3OU+D2#,D>[2OHV)@92*US]1J8Y&&#[;P
M6U1;<Y4:A,-1*B:U8ZL+Z#TCZ%[FU.?N4P(&KPT/;(QD<A9>?(BHA3I[<?;#
MJ=*>T+D[R2G/,;I%7Z"5J]RY(V">%]`!\QJ]?K=Q"6C]H%VN/-.4V$0#+V$E
M"KC='AB[CU.)&^X(8FMOQ/<ZMEO:/8L3*J8$QY+Y;#;ETJ!SB%Q<G3(Y*XF:
M':C^CM3=BB^UC*[TJS66N;%B5:F'QL:+R(NA1Y/L3)=W#TEG>GG=Q@:[RR_(
M;R8%<!*<S`KI%OOY_I10TF"%IXZ:2(QJ[5=!E6HPQ%'CR;Y`C`388>HL+VL(
MEK<5I4AA*-JV(E4HF)YSG)QE"-<F&A0S%.Z@1.0[/T!8J[UGH%0Z1RWG]-YI
M:*DS3YQ(/:;HOJ$%Y,1EN<^M4N(D>DBB2PX^-92'Q?U'I>TCR,C@5PG"K=+J
M:J"-K)"78KL6%O\`,070NCI*50=6WY8ZP4Y\ZS!@0O=Z%W7$^]V%K2]I#+WF
MS_;?)5/&KO4ZJ]S\S9`Y<1#L%JM@\T%A,4X(1Z-1^7PY*`DUS[K99RK!?8LA
M<>-I&DP(TE6G%/Z8CR!$JXFNE3\]"&Q-"K$J@N]$Z'8.;\?FZ(5BP#A(,MTF
M[DN&UBSUT])F#&@=+?!%>Y#2#L=F42FMCFWE+B-+5$;E"Y?H,HOSID6`=%D#
M^;6:FARRZ.,'7*42J-D>1<3@7E%U.55=3;*PWEP!U<Z/N*HJJ0EM4J*YMIE:
M=M*6)E^DZJ_U"GORU.+Q^!VJ0=BT@EV%FK_GJE-/R>)BJ=+N$NXJ+N/Z%Q[-
MMN,F,@"I>U[=>;4J4AOY%-BY>_`](M;]VM;U_)O6MZ_^O7K@P?N`,`8`P!@#
M`&`,`8!4G<YW,!_+["[V0?%)\YD3*N+/1IL94F,B0:MP(17YRU-N,NP%"[+.
MAR434.-.#ULZDI<0IK2TBJM<.)$!_)O%S0"#SX;4>1+KY.OM$!U6BHKSL8C6
M3(2908Y6'!0\MR8+)A+*\,;EHTI#J)NVTKVIS7J%9$JJ7.^(5H=7^<5"OT>%
M#I1>;T&OU4>N!)EA#L\V?T3NS<1;[Y'14A8RA/ZDBY[G7YS\G;CBG5.8%7Q*
M\@<<\4R!]OW<TYT/LC8>R<Y'B3(6")GSZX"?*P33(FO3]LZ)BVHSDQM$]EA:
MMCWG6T.ZC.+3L6LB-'O'OB%SZKS#NT"Q4T:.YZ4)W<:S68%,:9L=I+N=`.O6
M$I>&-.%)8UZ7<S))<=+GL5)V^\AQMMZ<B2%6DT3RU47Q9MT>PS[8+Y"4:9<F
M%K*7F3Z\T^.>OT&OR7BL\RU,9E"7[+%IXF6S(VZTMUP5#DM*^2*PXV)B8FT\
M@\;&Z:?Y[%'<AIR6*U`BI;F#:=.:KL,Y5YO+:V5G`3:]Q),6?7RCPB/N4G2)
MK;RV$K4I>\"KXF<XSQ[F7C550%4A%AK1@O-*B]6`X\)"E+::LUUN72)8D;!:
M5%C*1^9[N5?APF$NO-M/;TI;R]+=4#;9#KE4/#NG`)G6K#5N2N"^25ZU5_1"
M+'`D4C(/VJRF35.CBVGU0B1N2/LY;Z8>XVY*UHO*2PE.IK^G14Y/#M.ZGQD\
M6J>Y3=!^>\TI=FAEY,_FI*7#@_=T79Q,0K#,0HQ69I^UV$1+$L38^I&Y+T=;
M'O;VWZJ5L*L^.0<:\?.64A//01ZO60`=YQ!Y>4$FK`"G@K'6N8PSXVUL-52,
MMJMQ4.$+84DV%J)%0S]3/<2^E"-(0@&VW4[O->9^)P>ZBX?+A/,UWNA5]FZ#
MH5>,QBYD&%ZC]\CQ[XN(DG.6Y)NS3!%ELXZER7+87(;3(4TZXE8-RICP.![D
MOC)("]QKU05SJI%>R4^[@>G&ZJ2KNCBA4M@\JQ3I;;TB5'B1:^2O\T@ZTMI,
M./.*.ONMZ7*<4X%9<S'U[QY\/!,'G8L=3N32W*@(7:J2^N6)ESI`UM\88=MR
M753G73T&+-'19;$Q[<AB$MII3"FM(1Z!61:,"N\$D!6JH-A\SD`>CQPQ.,!A
M/@'Q]XAU`56P`6;#@LOK:L,("&K@J&VMI+K;4>*PWO\`FI3K!,2)VZE^*UO)
MQ;K<XW)#$PLJ586C!8V#5`L*A0A%9?.3&EDD"K'L&*%HC(DOHD?0_2H]BFUL
MIVD*L^H7)?%>AV"T6F+5>2U>P1EC2-J*.N`Q[X;1",>^V/S4RI2&:]&*MF2C
MS>M)CM2GIDM_T6Z\\M05D2P:#X3?'WZR(@\\M<GC.QU`DA1_V<J]SE6DT&_"
MZK(AQU/+`*]M;KA1F.K2/_S*([K7^33O05?TD'(\=\2;<S2_KJCQTS'2\,#T
M;XG`"VI^Z8PH6.KX;<24E)J&`0.TW]O3\[#3D1M2VODCM[0%9&0+<P\7BT49
M]RK_`"O;-=+1=!YC,P./D`S','K3/3''$X,V++'2Z?\`FPU]4RVZC;#!&8V^
MGXGWD*%K(AH>B^&HWHH]-1I_*R'17!5"=:CTZ`,,D058)?`9H-HEP`ZY+%>K
MA1_CL)4<MMMIJ4Z#@I4ZO<>-[1*NA,+#R_QAZ88?L%@%<ZMYWJ$"`.AEW3T:
M>2L$2K2HQ.+JG3(Y7;\-X7.K3$AQX.IE[YAS;CJMJCH4@*M&>>J7"T@*Q9H=
M1J-C"@^DB[I5"0`/#M"!O2RK[O-D7<7('HG;:.Q&+!)AS"2%?)&BKD;=6E*7
M-Z#$BS7CQXK6B`5(#:!S>>,3`KU;*3JX_'C082.;Q84*NH5*`3H\<4<J(H?'
MAM3$*:(1H#+<;;NHZ4MZ"K,R*K/C3#&]2GCT<LE![\,0_P!=FRS(,T,.UZ4D
MR'8C6V02(3HB*JM3Y)EF*[M`_3KTOV-Z6X_[@Q(1*Y?X8T`T$46#<?"6&7#K
M7,`NK"7&/EYZ;4Y)74J^E!HE)F3R]@:'NL0'G-+FR8C"H[3BF$;;T+XF=+N?
M!O%HLFN&.I"J6'$\]DW7K)*OO)%046H.)K'5U6F08@)VV4*`0[W9#Y64EC^8
MJ21>T_[FI+S;@)OD8B`WX;U2JU_R$G4>B465V$2_>J]]Z@U]BXV:1NC7'H$H
M97AD(F2BRSSU3GG2#L`4ZXEUR7,>WI3K[RUAXN'89CD/)N!CCX;KE/LXJ5,Z
M#:5VRBQPY0(`#OLBN/@>1@:C#!@76&+/KG7-:NN*RW)W+D07'I:]^ST2EH&W
MP9F;P-\5P'3M`;5SNKE>JVZL]7[$D?!Y<1MM@LPMBG5#EG4#&EB*Z4;*G['2
M&Q`)R!M:R1J!'3'98?;8<T@/%2O(LO@\[F!#EX!WC\.8,HL678A$,.3'V,07
M!&0-D+`[77C8BW-LV02:`6D?,ARHLM"7([S"D:U[$IP1UKCQ+?P08!0,K^]*
M"_H!M?\`6)3,%]7TE_8(,`KWJ`>C6.HR*ST8`W9:G8R0,1-&/#Y)!A,N07AN
M""3RHFM2!*0I9EF6DBE;2ASC"9"7&U-Z6D5<<#7#I?C3X^]FY!)YG3I7.JE3
MY\D+$F$Z@#H]A2B`(KY?ET*$(>G(F0A!B*$>D"8LQ'N<;TV[%<0^RY)CN"IM
M.IE8U/\`"WE"$]*<_8K7%RX@(_J]$SM<TN;&'&6`PJQ1BLF=N/\``[:C>ODE
M1O8T^6GK=<VJ3(6I8>)F?:Y#XDE#M?9B5?D$D_3(AP2$'#I834H6,4!IXVRA
MGA$&:E,H2JMU8&U/B26G(^XD*)IU'L0W@E9&#8YUX6<[KD`TT,XM7:U6@%KZ
M-$+.F0NH;=7>BUF9;[D_/?).J+@TQ:`'=DS'EOL-Z#PU>[6XS.T"UDR9BN)^
M,E3JYHZ+HG+@U,L4`P8-&_IP[5<G`K:/'L$W7"LAW8YJLD1$*,VVRAQ$!N*A
M"&4(;]-8)5^DSW2Z[P7K0ERL=29YW<A5=CM7I\58B0B2@*.T/D15660A4Q#T
M$),"E7HTA]>TQ)4"6ZP]M;#RT*!57`JXTKQ<L?#SW5RU(KY'EJVKI*)3&Z^P
MB0XW*Z1%(6@O`5#<:>87/Z#4XI=$V.\VOZB&Q-;<2M"%Z%\5:%APJ=XY^ZN_
M1CN7R'F6&;]67OK`<V6]&!.4YY%U'2G93\J<P.?H8-:R6E.)2L9&4MSW-IW@
MF)KE"YMX[!_(K]LH`D/U+Y'RJ!::S7:'4*[H3,']&A=(J[4X38:_'?+]`,RA
M_/#Z&1S.UO-:]/53K:(S;`M72C-C=5?QU@=#,=J^GYE$Z-#>:JIR^**!6BL`
M@4@"Q"!1"8J;IB`<+BAL"(KWZ1,EQ8D5E6UML,)0)C2G(Y3''O'YOH$;JAZE
M\]:Z+9YP8:/MQ5@:T8-&(3X`L'9%/2G4IE'%N4<4\E4=.Y3Z`T3W;6F&SIL*
MO@0%OG_B9/LU,J`RC\[DR9(+LY.M+KL(<BM.03-T&1NP`ILH-(:%$)-CN_4-
MR)@R3I[3\^3)>VWIY*E8+61CR=.\.KA:[K'EA>>V2R19`M[H1R'.U-<H<BDU
M898@39^QPR'KS9M%2M#<F.VAZ`U-B2W=[TXE;WJ%9%TVMCBMVC[&W)WG5DBQ
MJ?8"2H1R<`GLLT.Q@MA[,3<8E2%I352U<*?!+D*U]*Y%?UI2O:O7J)B4Y:*!
MXF<@YVE$@'RVF@;=IY%9DR8->*NVZR1A'0+P.6&8L"IK%\LSK)^P$V&7MRUS
MW)DM2].?.Y[A5F;(#XW<0\7*!1J3?0AVHV,C,G6WJ@._SI0&KR(N[`+%O6>+
M#'!I[$(>!KPD#$3+@2'):(4B&I]]7U&E.:!MMT-B[7S?@5]/#>CW"N\]LIL3
M6Y@R!:BJA<OXZN4!F);K3DI;^XDL=JNFR+T=QWY-1HDZ6XRI")#ZEB5?`K"^
M5KQP\D2U1XJ<GA3T+EDZH]7$5&!.&Z!6<3.J?1J.#8%O19&WRH45$E2W'_MZ
MT;CN,QTN+^)Q3:Q<5B6'.XMXZ%[%7`\NA\U?L]')/]#K@)J&)8*@I1`F)D/V
M)@+%6T^D;).@![V]N,JA[G#XKND_-&84V)5E06>E>&U*N\'FI/G=0=LMYI=E
M#%*\,$J+Q$T2=;`+!5J["8TEZ./`-F>FH>B/SF/B@0UR51UL1V5ZT*LW%%BS
MN&>+K;KH<M3><.3#%:17G(AJ7%E%"`&K5J'"VO2B4]T@_+!U61$^4AK>YC,5
M,5:WM);84D2K*MZR%\.:#R.Q)+"JZ'HM7KJK0:G\U<CM%@(>L\ZLY"+.DV`)
M*1*"R+/0%%!D67(DLN%FRCL=+RUR][4*LS9>)-KCG8X5+)7<*+T4!SBESJ@R
MX.Q`]L`2ZM+<$'C([<0E\[@F(YOX94F)(D"IL9Q&]N/1W6U*$Q7`JBH\N\.>
MCTPS:@U%H\NH";9TH(1M)!6V8\DU"M849;C";2Z36]/B.6#G(EV!/W*5IC0B
M`Y%4U]-'^,6LB6"^$^)I",.D5ZE\M5$K&JLT+DUF7`BL@M4()*>K;<1\)/92
M.T)JUF6E>D[1\XJ4AM_Y(VVTZ$K(A>D>,?D!VFBW^5)@77HG.8QRHAJ=,8BS
M9U(E.W$N;BV^R`6OF(`X\NP</?4*ESO;#>D1([C:?J/IEI%Q2IR,L6I/ASR:
M_5R7-J7*JQ>3I.MU>!)TT#AR0"PX1%TJLDBR_+::J\!]OB,#Z:7MMKZV>''M
M^YQUICV!XF3Z32O&<5"G#Y@CD8Z!5#0QTI$E.5J+'KM@<#AH`C[DV\^A(HHZ
M"K<!N.EWV.+C0VO;K:4:]!,2G>Z^-7CGUBI2J3*+\[H`.I)`#KTL6-HCA474
M6!AJKB*\X2,)=<HFG!AB="AR/;K6D/NMZ;<_D2*FT;#\>72M`[9$H[AM^%`Z
MKU5@^\?D394YRZR;X<)W'3$B>XZZL0P?GO-0$(WIAB$AIII*6VTZT(RV<$&`
M,`8`P!@#`&`,`J'NO+F^R\T*<\?=%-Q2YZA$I[9L:DN)FC:GT"KW`D*G#5[T
MU+9,0`+D7VKTIOU>UM:5)UM.Q4Z.IH`:_3\Z03LD5Z/T>BPZW61W3G^=:CUH
MG"G4<Y:GNG%Z3"B"!;T$:3#TN[6P0:;?DR%N,[%_0PV(S.DNJ&LQ:OC[X4SN
M+]J7U(Q81UM==I<2-HRR0L`<M%N12F<^K'0V_P`N)U)#%*U;C])>L*'),S;T
M,@1=0B/M6MR5B.550P]I\#_S+:;[;"!"C&IEKM$<M$:*@B46<U6G>@>0UOLE
M-79ADI!\0/MHGM;(Z6]`<:7Z1'7/:KWMI2&8K29X`=?.UYJG67H7,"5:+5J1
M%LNI58*S2+,J'R;O/'*M4H>H[04/8*V)JG78.II29$CSRK@M];T9+DU2VA<R
M]).9G@G9K)WDITBYV/G)RB:M@0D*ISE04N+.JM=M7YBJM>*UC3,>G0G:2,2V
M,B2$,2WYRF]S7W4+<U':#-A0KHA^G1>)7/6N<S+!S&QC8E@HMLEG9,6RUBVW
MA0[ALGAMIY[<+#`B')C5.$PIRRM=EL_-(B+8C1%1F]L:G*%SXU-H_)7QIN_8
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M@VV`^D==OA74.R%Q0Q\K4BRNJJVRRMF%J"Y#2TS'3'VVAD1NIKR-_3P+U("M
M=!LO,ZQ>VZV#$MVF)SH>T]/DPN:]>I5E;)O+CRW'XMS(=)9?DN/-RE-[C;?4
MT^^VSZ2A<WT&)!?IVW@`"7-#W_GP/I3'W/8"TZITRT_ER#/&>5\=JK,S;4_-
M(&:]&D^1<1"DRTJ:?0,>=7']SR&FZ,WT%+G?!3I@ZQTKF4=@:7W?2%@)VKI(
MNJV`BWP<%.L/D]8DN<ZZ2>)1EJ*;WVN/%F1G40YD]Z.EUAC3$MW[9"YE0OVI
M?IQC8D<#(M,/F$TA`U5'YL&8%EWL<P1"67J9D](K\VTCX3P87:D78>ZL<Q%9
MBL28;GK\^U:=529SJ4#].&17[1#*W2P56^18-KYS97II]DN8V>'5P;7_`+[4
MC%.*,/5YR*/.UF*Z$(/2)C\:(A+.F6-I=7(#.7]QKQ1-\XY)V?DI*RU]M'4Z
M94*ZS>JH*E#[/$*#?'"@<*.%B;#RV]37(I&B_=1KGU>W=IFJ:<]BF_D<$<JM
M,U)WX(=2D]5JZ90OC8(&3".E['8J55R(X)RB36K=XO;$Q.(-/.(FA[S;AW#'
M2,R0ZS'CLRIFE_(]N%Z3AK,J$YYU^GE9>=TZ;$#6>CL]#@\^Z%1P=T(#9]M2
M1G64=PZMP[BL=9ATF'12]CIG))`TPV/9G*1]Q2_I^8MG>EB.2;[C%Q_TXK>]
M67:Q)O-'!_=ZO)%D[""#'YQ\5+69\LY4$4.GE9K9(W7X`GR4BL?)+ELON;!K
MUI#:9*-1@S?+Z"8CO`8I-*&K?9%<>'6$X6JA>+6J?4B,.H49@+U>FW2Q5FB$
M%JAG`8>\5JG;8)/Q40GGB).4]M&V]Z2H,Q=]-\;+F*\8ZKPL[:J]HG5[[0[&
M'?%P94H-7:=S_MM:Z77:/&GNQA!:RR1%6K;0E)F:PU.FR/25*TX[MQ;@E56I
MA^2^'J^6\4ZMR""8J[43HW(:9SIC[+75B0T$U7^$!^1&[',%L/)3+V?)"OKG
M/3:7U,[2VXM2D^[`<JNI44[]/EX+.;-4%/'(C@ZVE;:W2R=$^UTBX)<L?(RP
M&KW=D&RIR4$"1:#.7%5]/)U#(R8TAME6FWD.PN;M."B^!-TH<ZNH@V/FY$#5
M+!XW6W0TH%+3]VZ[<A'#JS9[L\Z19(3J#+72HJ1H<7`E3QJ=0HKR],/;DN/4
M9JEJ=^\03W9.LS+K%-49H`>JM4#DY%EKTLM<ZU(HH_K,:&)IDU"]0&:K?U]1
MVR?9=]BMPXK[24R/K=;BB*5"6]:\82%[Y)Q+G8252HT_DT60+^L,@G%#=0"G
M`^B\1GRZZQ#;6\(G#E7MLG%;3[6W/HM,*6W[].M@GB4:)_3\=`]BYU?H1:J.
MTRFGZ^39H@ILK1QU:<K(?B+\$_5HE>C/PGRI"W<F=>(PEZA1B$:6UI]YS3<A
MF4+FP-M^S<SZ':K#7+YRZS5>NWBC\[[+7ZBNWB")@"BX="&U6/6#1B(-EQ)$
MD+7Y]<V[*CH5IR2AS2$K1^.]C*:X/@2'@'/2O+.1U"BGD"-G@S)1P_.#%2QQ
M@\>+G"9LW:IY@Y!&DR5@MA4D\2)O.,-)61E/[0G3?MU@-U9<>"#`*!E?WI07
M]`-K_K$IF"^KZ2_L$&`4=Y"\EG=JYR]1QYB&#D.G@!CZ^?$>FQ]-AB")CC.V
M&'F'-K?2CVI5[O1._P`=X+%T=31.S_IK23<0E7P/0:]0ZC8JL9K5B$52H.CD
MO[A^/_/^;\R(CX\`D.A0W:#U6NE[5I"4)W*V4TW[FW=+>4-9ES.)'Z?-K8&R
M(@1SE-8V:HA"%=QTF1<^A"+Y<XW5G^J5&+/;ML)I59JP0[*EO[D"41GU?<7H
M[D5]IJ,XV&8[%E_35CV();8D.R4BH6&XB3L*=;*U2M1CD678Y_F-.+OH(,28
M!"6T1UY,CH\KW/-N2F`SZ5*U\S7Q0*?R^@X/^6U]8`/1USJ`!-6<(0&SMI'F
M[PV,<.4;RHKMAAP#UD^@+R*\4LGD0R4^@TU%BM?1R&D-)TXVI(9C=OJ',KW=
M>!P^<5PE3ZO;4P.?,$F6X+SM+DQ:V7KQ"TU48ZX-D$@0DX-&28$(BS$5.&)=
M;D,MZ>:3Z4RG1FD=;_3C-5BCU.`S9>;E;Q5Y=/)D24^I$M"+ZU1*AXY!A%&N
M$IZ:1L$VAE"/!U-R&7W9FVH4YK?QO.,;2Z-9_H-D6_&.Q[\+S?C.X2YVQ8S%
M9MXG4B)59Z>7PY%GMI>SM"DU#9!!!VHPF2>H2HOU"%.QT;UKV:5[="9O%4U.
MMWZ='5KM_P!Q*=`Y>-K1"/UXBY5A%:,L@J:1Z^+[X-L%/K<%A,#\QTMU?8XC
MVW2BT_#L;)3'@L?<5J9%S(EQC].T^J\]+N%=O--A0+U1.O\`,A-/GU68NMTV
MN=7M7:K9^8JS`B3&8X.]5R3T>%"1+C(2W*$**PUI1J8VXR&;"A6GD+X0'ZG1
MC!BAUJK=$L)L=>0'[/HG+GC@"X6CH:O*E]-HN+,0A#;BD!:>\Q6XY:9O;#+\
M9],EZ.Q*U)C0JEVFZ';O&VU=5K_"8->.!:99^:M?;"-Z>=($#=?KQD`*`W4?
M50>HSU>-S[(+@KBMR)FXKXJ1\!"&^AZ/\3U,ITKV&O%8\#>FU78*TB;-R`5;
MJL>JIT-3P-;L0;F"Y-'1X_"!SZVX[ZRHV;:P_&9,LDZTRZIF9-C,I^H1%7(D
M"N2>'(ZPC]/:Z!@`04W9^53I-::Y0>]SU2*11E_M'/>?>.=4+5N]P$/2G'*%
M8B?C]M>M_+-DMQ3CB5M.JC?]Z#,CN;_3K<U4"L2:OF1NS&C$LT0:CBC5,@)'
MS:!9`<3GP2U!4$;57J/3;:?9E!64(D,L1!L9+D5>_<C09C9#IOCO=^B\;XA2
MS-FI-DZ!R^<`(V"T':FR.!6$FGEUOYG93@0&%9TQ5R&OSD\3'M1FTL-O1FV/
M1IM?O;$3HWV%`(_3S^T_<I0&9RW;D`#SN-30,^C;9K<:=1U>+1$X$)1X2][A
MU+IA+QT>CF416MK<AE];<;D*94AV4+F(':O!;J`.GFHC-HH1"J^^5TXU7:[0
MK.8*.71FK78*WRZH5..79A3>.ML69N!J(K>R,@,VN&AE&U(RC,JDV\8?$*Q#
M2%3[5;:]2^?6USJ=AZ"U4QE0T))5FI$+IY9EH55'+^H<E@(QD=Y`PICD)>VU
M,N,/HD,H><VVT#ER-@9?CQ?I_F`'\@YUOKC]*KP@N/"@&Q\^%9HD0W2!]:E5
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MR^XVA]3[.HH9\#8<#XLE%>.%@XK9U<VBR[=V`EU$P)J]8D:YM!@&>]QNQSZ?
M!`DO:N?#4/;7`=>>::;F27%R%1VT.;829,V-2@)OZ?MWKP.=`Y=:.3@9)JA6
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M#1<F>4D22!26.AI0TY*>7MV2I.W%_P`Y6\IENKJ79@@P!@#`&`,`8`P!@&N?
MEK8;Q4O'?IMFYS:7:1;00H:3@VQFMQ;<H!`BV`0Y8"2Z_,_[M/CQJ]J5MW:_
MP9:]SO\`*C6"KB:.!O*GRO/FKZVS`YR/%5SHG3!K`Y%8(G[:,#\ZI_D`=$5\
MV%%VA#H=GH,;G-5(P"TS2')C1F8B)%4PL?(T-4B8^S]Y\DJ(;?+2[D/8<CC+
M%'-P'.66*76;E97>+^'UHD7&$+F6DJ5K\#EPB]VTU]C#2FVR$2NS$O*7+W,E
M:F(HG\OG.5?DYY*EPYJRP0`WH(ZB?:G>?QJU3+U65]L(Z/>2T.OWZ/+&6E2-
MUNZU[E8!V.)2S*@K695(TMYIZ`EL*(LGQV\FNSW/HO':ST@USTZ#Z15NA3!#
MO+X4,P6F2JZ1.S8=DZ,TR?F1Z'76@HI(QAP<HFQ^8$.0YSD9Z3#:W0TJ8'?M
MG9^]@>[7,!4HPR-0Z_U(!HU&+5"Y66?;@YR=XC4Q<0(=DVAL54XHZ!U4_-6J
M!#7&W)&MN;9U[""I`45._P#WD@\M/)?LW`;R!:J-$;N-#544].LCL.J60\7:
MI7.C$X3V00.D!).V4VV;J]TUX"RME:W&V2F]-2-)UM@1),UY:Z7Y1<\26:,P
M_P!I<\YUBWV$=4`]?O8)X1:J9T3G@B77QEH'VYY9JJW8C;YWT4.4QH?%B0V4
M^R4UI_W"X,G?*>O=A.=:HUU&]/!]2HUUK?!:E>4BN7V*M!W#-E->4<LVH&Q+
ML\]5$*<\EAQL(@S)9DS'M)0S/4V[IG:`:5.\E_D+Y+^0_,NU/<[I-%&6"M.L
MU*=%.*J%H*Z8C]D0GCO*H;I$:0:'*E!?(EO<VP;WI/TU4?2XO3&D_5;$237>
M33Q5[KW+JE=[:>Z-7*DDG3S1*)5Z0`>U!MH4X.=L[)#GUN&J(%'(#\=`H:N'
M+E?3RYFY[SBHZ(Z8RW0DDJ4-/A7G-WJ2FJQ'K=SM\@9%E[`!2CC=UB/]0O\`
M`#\&(DO&FOP'K4I\#8JO8.FDQ$LJO4E]MUIAIUA,N$0TN&LJ)A3O+WR?*IL!
MZVAJT&KE;<[C9K)7JK1Y-WZ/76>7561.3R><`C7(9%%65@F_"?CR2+K$HPSM
MY"8\5I3,G5(XKTE<O>8WE"T&U<F+36'XY*K0Z[%B/T@8Q3(+(?R8Z7SFR=\1
M9Y9T:.FP(E,'5MB6C4Y(!"C<8@AS49:/EG^1<L>!Z1%NSV1_Q;Z'T^L/4TWU
MNA<DM1`R(K*B-OIPWM%7Y^HZ3JD9$1Z"6/"AUH4ACX6W6I3[&](]R'=[]M,4
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MK"B+E\4O(/H?:JAVS=TL(`P:I8:F2O;4*4?I!2EV2Y\PC6^S\\*031<M*G'N
M?6*6X/2^GX'D[:TU(;U*:>WD$E1JAJ%ROR1\B*/RKE:;@<,K[B=KD4]TL->Z
MO<[:*N-XA`>/1N/\1XX[J>.C!178Z/:"9-!MQ,LN\>$DUSV42(I"+&%:5>XD
ME]\QO)RB4(Q8;`:HU;:<IA/J,2ZEN,6YZO5IQH'Y`2JSQTD*BW)4@G-LQ+D0
MU.BNY$:0O<]YAJ.EV2/]H94;W]RZ8>)^)?:>A\7ND<==:USSH3@BU`0D6YIK
M]WHC!.%8XL<'(]\,M.KYX++ANL[^33<AE>MZ4I&T[IE+Q49HC8/('R9Y#7+=
M)KQNOVZOW7IW2B(&YV&GRX(CEM;1W4Y7V[07L!FX-!#%4M4<C#W"^=P?#$QY
M3&VEO1T>JA:)FS'D^/[GTOGGC/6J42U4^B]$L,]%JFU'I/1:-4JZ:>\<>K&V
MC"K?0H$BR&:Y4KY'A3Q\&6VU#,R(D9B4IO3GKH143?8:J';OY$5FD=#Y^;-G
M;I"*F/*`Q7K!`K-TK-IKSPZ_>5=71K9<'9%LGVS>PHXB,8=CMPA[3C+49AQO
M41QH7"IRV#S)[ESXM>P(294OJ:8'ZG81W.[#2[Z>LQH1"M_EWJ1T>=:)MM<D
MM5BFQ>.`I2X+#*&78\UV,PIA$P4A@,J?R^8GH/R`\@[F:AQJ7:ZR805+:J@+
MN47E]W?I]HJ+4>PV*?8!'-7[Y%KT4B-/CG*]]8N0XIQ<!QSWJ2XEE(41#G?-
MOR=<'=(M!@7SBD`J>US>>0JCX_;_`%5@*7C4\H^[SFGF+%"7=3O2Q9<DH)$*
M+&,N2(K,"*[)FJ=UJ#*N!Z]56V5V[!D'ZL5BF1*B)L1N9$7M;;9:M&R-:L(U
MWUUK:)H6P"94.2C?XMR&%HW^*=Y3!(L`8!0,K^]*"_H!M?\`6)3,%]7TE_8(
M,`H7R3OMGYMRJ99ZK+@AY?YJY^#+VPF%DV,=0ZI9KS7Z];;[.!Q)$1<^-4*Z
M2DSE?(XB*Q\7SR=_3M.ZV*L6>3_/.[^0]7YG6*N(L1+[G<Z9?X8<XU2+2;Z?
M8+Y^PD#;:3>8-#OY>4T)YJ+,/S'"*(#3LJ#-W`9EL.-.396#;2XLS%Z[9W>P
M5RCG#70_AKD:^4%@9U@1SFY0(86LUF_>%A8U?;2#`V5NNVJ!9GKJ=D2OJ(K,
M&".AN-HVW':(K>@HOEZ3.VSS)\B#?,CE?@%HU$Z8NM66XP;(&Y,?G3V>75[D
M58M@GK,2O6#<X7!$76U:(_"Q+4XMAI2XB4K?B..;O(**KW&8M'E7Y&U$I<@5
M(C!I\H8]V1=(K)3G=[LTJ^`F2'D*78[DP>59-N(JM3/4H'$<#QUHBN,S]L,+
MCI(!T,PE$;7S.C]]8XRIF,2#+Z@WY(C.)[NTCG!-P8Y3IO:8%)E7W5%8/L(3
M*CTN8N0AS4[8[4AO4A>ML>YG*3"O=0TNB>6_ES=43=&)].XL*`->.)6R3UT[
M<NX1:Y8KQXW_`)SOP^H'R\J>_0;&/OMM@$GWV6V`;`II+4E<IJ:M`UEB2\AY
MC^648K;P+O/0@MBO?F"`[<7>:WN<(%Q.+%]\[\@+[(B-EVONP:-:KY6#]<B,
M.)40!PBFD./I1M]@3*B)VWR4\J#D(';A(Z/9:]SWJ%0AA3-8YM=8D:[4XEKR
M7KQ[R&GA!U@>GW&FB><5,;9F*D-^-123[4QI:OJX"4"T7^![$52RAK4)21!E
MV3D:-)DBI))B.]&9?)#'/I2'QM.MM_S=2$;]-H]S>];_`)JE:]-X.-DDP!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!4W=.GN\8Y
M/=.GLUF;;]U`?&(.A(3TJ*G<5\G!'S2Y2;!$GIXVMUN',62+2F($Y^*,B/O-
MQGUH2TL5*KH4@-\V>10B:@-Z.B!15I`&7-+T35UZ1S0.'/5:@F(-@-=2B4$'
M5!E?*FK_`!(0V8ZM+$]N1&>TI"W7V(HN5\CO*\X?'Z,&9L!8K>ZZ'4;(5R;-
MLW)NFUU(8W#I8#H,0>99+U2))@R#]1M(Z6,3M&]S]2T(:]SGN0D,K&_./QW:
M:4]./V\0F"WIZT(,\PZ.)?Y^Q,^G_+;W1X\ZKLOT1%YW-CZ`?<TQMF=R&]1=
M.;5^`963?EGE!QWLEIETNCFCCUFA5W5H=%GZ9;ZD^H:TFNK*M-?F8(*2X5K>
MKB'T4A>OU0Y96,V^VAQ:DI$::XD:LWEYRRB=)LG-;XHU7IX0V-&Q"\8%8;"$
M=%2PW+ID^U60H$"RA=%KH<[UT,,>E%)#3/RR4N^_3>G=M!E;545S5OU`^*GK
M9;`\]5E"@!9*I(K5@ET7H+*BU6LU>J1??2#T*75(RZES1,^]"(T<],4D;(^O
M;5\J?8_ID7*R0(\__%S4`03GW<Z"B&5PWV%63G?0J\]#KI2'59@:\%XABLPY
M8:A&_P`]!F8A>4AJ$_)(M-)7[TNZ;#*S,0/,ODLB,//3WS8RFV%WFC-</2*C
M>VY24=3=)1JH4MXZ548D>G`3TB(Q]NEO2G42FY.G%I80G>]AE?I)KY!=;O'(
MAO/YU,Y_6K\Y=>FTWFDMBQ=#(<_2%EWHS#!!BS+T'GU^V6C,396U26MHC+0T
MGU;VXK?LT(E4K&1YW<$'ERT4Q8I0$;7`'0"=G2;JW01UJ`$^<U[=W.#)]5>I
M7R-H?H;3A.'M4E,R;ZML1XKKSGM2+E9RVSRV\6:\:"WRQG"/SB*Y=A=?O4:A
M7PF*U`E56M]1MM4#E1@"3&*&BM=JT*;L?'2]*<>&_`E.I"=,K#*^!>([M=#)
M\IL/96))B/3:H+NY.R)*U\P#L017.'S,2YC"=:,Q(!B$7"3J_+9<CN-)4I;7
MJC:D*2K8E'6AKJQY?FJP>Y=`[7RY',A?7:78[G7)8.P6/I\BM1(-AX[7`$;J
M+M<YY""T1R<2ZRU'G2$RR`N%);;2W-D(6IQ`N7L.Y3/-+Q]D5`T<'-'(20P!
MZ^6J/4>8]%F@YLR5(K4OH1&JEE48%J](JYJ^#UFIS$=+K2B+3DE#;KBT(#*R
M_P"_=;"5#B5K[B'93;ZZ`YL3Z8*9@2]0464-#KKMD@)ASI$=W41!:$E'QNK:
M5[-+UO:=^GI@E,:%36GS7\?Z6>L%7LQNWC+!5BI""?%;YET27+&"1`PB:*W>
M8W`K,KZ?GHX.%G2G32_;`^&&YM+BOYFEAE;(Y9O*/Q>K?3B)>QNVUGIM*B&Z
M#-=_9STXG-KU*<4BW6.S?20`,P<,YV^S5MSI5@^-N-(8%Z]7UH:93L6DJ=Q=
M77.TB>-3*9(M(M[50LRKTP5MC<QIMJLS*9SRR]+:9E#EL[<F-&Z_3"J6W$NM
M_'(8;;]J]O)]HB536V;^H5R2I5(P2Z4-.`[X!KEEL!KEM/%6:^'Q4NNUH_9]
MTD@515P`*+?"L2GFF84);R8\QX1)^"0XE&E;%ROEP,M0.[>+G+Q_4&:4'Z,)
M=K\DA:;_`/<.>]A-6(S.`2P5-LSD8Q:1A,K;=<Y=E#1Q!J)*DQ@;*V6=::;U
MI.@:9-@WFOX^6"XC*4&L%LG3S)46(%FFN8])33)L@R1KP,?(8NSM5;JRQKUC
MN(49]3]5\"2)>*QM7O6K2!,K.CY,6_G*+QP#CO5:1+LU-['8KM%G'_S<4KE?
MJDBJ574V"Q<Q0N3!_-E6NDLH@.]"ENJ'*>E-)DLO(7Z)%5<6N14M1\[^?;X=
M6KQ#YJ2YX=O'[6"E"YZ0'S8=?-.4WH]]%2FGKH)KK=6'VFUA:E-LKT#?K*82
MZXA[:W?1;PKBZT+UD>97C\/*7`(:MI6O&*),E0[*+/TJYBYT/Z8[3:\B4Q&D
M`4NSXLV??A2H^V-.+=CR%/:3\;+RD#.5F*_MG<AC"W+:7E&A=#>"<TL,(^[4
MKWN?"!].E72."LMO#N5)ANIU*8U35O12#LEU+[+OO<0PG;6WA<K)WY!=7N_(
M@5+,4R@UN_.VGIE`YO,B6+H)"@($R.C6L/30A9B3`Y_?ME&(A8RVN4SMN,M$
M=*E-J<7Z-[$2J:WU_P`JO'FX\\ZM>>GU(Q7'Y$23SSML/='OYD<[SP;;NQ40
M0>E%VZU#;-<W]*Q94NEHJ/I&74R&O>I6V/D%RNN!88;S&HL>99M6Z*H-50-K
MK-(@6JNQK1:PZBI^V7BFH</R45<<Y6QD0K3DLKER4)C;??5IMUUIO3[@4^DC
MUZ_4`XJ`YE=;Q46[I;SM?K-DL=?J'[-^DC25E&A*T6L+%L0P[47",3E[^A#K
M3UF^G6+8VG?JYM6T)6"BZT-W!HL8&AMC@XZ`*'M+D.LP1L2/!AM.2Y+LR4XW
M&BMM,(7*ER''7-Z3K:W%J5OU5O>]C)W\`8!0,K^]*"_H!M?]8E,P7U?27]@@
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`BUV'_`'.IGH>[@8Y^A0]U]VZ`9`"*5K3,/:9CY6+(M(<_
M7&=1F8ZMN*FPY$?XMJ]Z-Z_'0&EG.O#3Q8)<Q.0^8EU]`H5Z#A!,F;`Z%%L=
M7LOY,,56<II1ZN-OLI;*6"B,I*_1KU[=NRFV4,:VA#8TY2KB4<]^GR/(5FQ%
MNU=5GIZ]>",@!2'WKB,L(%J;#HM?K?,:U*L93F]0L)66)>I/U\E8&#79!-E>
MX\U$_45I_8N;LX&PN_`7EY(>19M-XZW8R-Q@`XG6R,VU!4.]=54FX/Y!W==0
M:I`:TWS=\<PH/]K0+VO36DS_`*U*W4K$S,S?.>`\P#WD[?>$]/:&2S%PKICI
MD$-#YO:'BT8..8%EJ^]8D5Y-[!(NT^LP7B")!.3$]T1_<.+&<?6\D*NF)-[Q
MXH<FZ'9KI:K.S894Z_B_LUEB,F?@&2ARI?(Y;L9J+J*I3*7U<5#(7_/WO;:I
M.OP^;U0)5E(S/!;@M-BR[!9^E]48%R(]7IMAFVB]@6!ASG$!R@UZI\:,.[K$
M-IND:F4P.PWN,J,<ER%O:=(.JG2]2!<S9*I'A]X_1NAT@W&L$\7TFATD'"#:
MESZ#8#KO/Z:+IU6C2'0UWJ=E^A@Q9E1%/.&1[$*>P03O3<QI#[K+@9G3N(,`
M_3R\;BT*KVD%;;Q8(<F:U<8U@&6*D3@5NBF+A`Z8B0-ABJ:FGUX,4.Q([[#U
M4BA5-PMKCQG6XLJ4V^&9FTQ'BT:Y<XHU&ZG:S]Z*5(Q4[21M['T]4(V.V56:
MDFT3=B!4Z9$P9,_UWJ-&6E3+/M0EWW)^38E<<#7BK?IS^/E8')&_->3;>C%`
M,?(2+@H&E*YP6YT0!#]PJK6*V)^W3X',H(PJG4?3A8?*G)E+=>F//*%S,@V_
M!3Q`8=!J1T`VQ$K]=LI1$-SHU3D[EA1)_I<4O8I9D@(E66,(J1#LA(:_J).B
MBFU:@MS6G9$2,M`N:1N+6^,P`,SI0Z6<F6'G'1F##DGFYF#"?%0#%TM70+5T
MDHX2TG4\FU=';PU#W$=]K$*$,:0WI2G'5J&:_24D9\;..TFL@8/2NK=&+@84
M,;R*B/=`N(1V8(%VJ]<K+5J@A"<*M"S%BEO6;F`9F*^3=*&'V]OZ?DO>_:T"
MU?(A8OPE\8^G<UI,:E6RVDJC67[HFGVD!90)]AYPX1`";0YK5@K1^KV%G3]%
M;9C./PI#<9SW2HJD2D1I+(N9IXE]QO'=A_BQWA-@Z'<2%+*?%7Q[@M(4.8#\
MM@1A(8;S)L@^-+KECI%7$?0D2*]))R]S)+[+T5U;6V1FN-35ZS?I[<Q`675T
M@],NM-Y^@7TM76VWSE:@.$J%81EJ>G55\O\`D]*':OMJYF5%291R38G&5L.:
M*)=C-N)&LS])/^?>#WCE#CVXM43]FL(BZ5^Z4&0N'9Z_)&C*\?5;!9P#`F``
M4*1.(B9%G(,[G%'R!KYDI3+E/*93I(CDR[K?X^A^K\FB\L[98C'0VV[D-NLR
MPQFX]1(29H3H7YZ#!V&0_O;B5Z/!;0`D1_<M4\'MV/(6O<AU:A*T=45N>\%N
M('[C?[N^FPQC/4@EX`7M;.JE-<,0;Q#MD)Y<`N<J)>S5&77TW8DJ`Z$GC5+^
M;2)GU;3;;:1<S.>Z^$O*K\)'P#Y^_.$1Q>U6!%C21J\DC+-W8^,L=G)$1!2H
MD:7/60(C-*;:<%*C0U.;=BML2&HSS`9F=V#X;\N`A18ZM3[2-FUV&*:K)&>7
MT6T/(5^_<]Z:`G38KK$?[JF'<.8"7'6E.(^HC)>9VK7S;6D,S9C;GRGA_?>+
M"972>ERKW5JE0+10K!U@59(=7:*.#R569O5Q>+A$,CQ1AJT<S;?W(AK;CQ7-
M/);]6U?@%6G@1=SP0\=;?9GN@##-IE1YABUSG(0"QUV37]F21OJ>B[<`DU7Y
M9X3$#3>GFX>A<$C'&MN-M+?BN3(^G\#,^!$WO!SEG*C5$O,.TRPU$Y7<#O9;
MC9[D>%Q"81JI\@M=`J4&%L35@P&:!`HL6K`3)GW)Q"04KT"7,<G25.2&Q<S?
MSG-'_3G\<;15P[L6P]%GCBT*01468)U.*T?$6HG:[3/1'`MT6/5JBP5D7J4I
ME=?&A9(QC>FH"X:'927PSLVS7R3=CHM-J?3+<8O1BJ76H]#=M34:#6I)6TTF
M[Q;X`VL8-;>AQ`D,I!8CZBIVI2H36D+=4O:G-C->PU]O7Z??">@#8XPG/OT!
MN*))`/F''0\AQ8<T0Z\3+1%1SU;-CV9<I?;C2&9[3#1,>C;"H4F,ZVIQP52:
M.K=?!;QY?1&/'[#;JS$$F)9640D6BO-#EZ.75VW2(+[UGKY.((^KLY!M#,Z#
MN$799W]*Q,;9D26Y`*3,[8_!/D%@&,CHUAZ?5UIY_'Y1,)U>V0X14GS?[/8`
M9>H394X$22F!8X9_:IC["&9R7HD9R._'4VK:PS,VFI(2PUZO-#+3;9%W-_<[
M$0DV&2+A!5.1S-B*F!HE@:/VJ-'@5H7/9&QM[4MUR/$0MU2W5+5L99+,`8!0
M,K^]*"_H!M?]8E,P7U?27]@@P"G.Z=+E\AHT>_(9$N`Q5VYV.NLDNN4TR'HU
MHO`&J6BQL.1E)]C]8'&U$%;<TIKX8SGNU_)O0J5<#SV!?J:NUL$*+=JY\T)(
MMPRK-GK%&?:DFX!\L7Z!<>>BX&[<<`#WWY?CWSYT[+B*>W/G%)L6&/:=4ZA"
MAK)V&T/0_-.H<ZLEF!3N9=7-0@)@-3QMC"P*9H5<.B6"D57HPFA5N,8NH@TV
M4DU*W,/JF$8H\6T\P\PN3IQ*$K$4:HP3WGSS`:0F0[%2.FU^-N/<YE;,2Q]3
MEB[C&HWY]'EOL3@RWS)+,LA:.;D10V/-:BO$)+T);2?BEH6D,K*TM?Z@T6H-
MU@X3IU@=H8&XV^M]CO"`E?$BAA<?S7I-SK7.P0R?T>87CW&=*#`OD(/Z=`;;
MEK2N5&6I28PJC]):!OSRYJ"H5+Z'+I?05`[A5;=9G'M?D:-$KBZETFJ<<T(,
M&9]UB!9#EEZ9=AT`7/@2)@>1$=417+:@(^HV)E=:$2:_41IC-3MO137,;B$Y
M^`<H.PY>=9^8QCEHCVJE3[I9/M56(74>0FD*/%%2&UQ(*Y[Q5M*9$#3\96W4
MRHR\N9E!'F>@8#ZK<[8)=.U6H7VHT8$[7!$*J[9>LMPLU-<+6XG;KDY6ZS6A
MQ$*C;Y6>1BQ4-_Y16FU/(CHHRF/NWGU5P4^"_!J-NA5D=9+=.(%RHP%*UT/F
M5%!]E'6:Q<V;'6QR1&E0>B\T9C(09;@.2($IE]MI3<C2V043*7'SE#UJ[6X,
M]2CP:@\\0B1:^FDFPI>*](#]2O7-[371M0'6F!9F7-[H<J7"*[1(9VVK6EQ5
M+]J%@HF61YRUMFP-U0OQCM`BPC9@J+?!:H-`+2.>ZLY'G@NE;+)`W\HNQRKA
M(ZL"5%C`=%I#:)#^GT-.17&\#+V'&3\XZ_"I/'.F0N9VPS1.I@NDGRDP58^>
M3SU&10H"'1X,F$A6R5')VNSF'VAFQT>9MX3/6IDA].XT\EL,O+F9$SYCAQHN
MGF$4>[?<S%KN/.#/+M"ZM+O,;I%=Z)1>6LUQJQ?M#@T.%'3:;O&=^L^JFPY0
MUW3Z7F-M[0L,I55Q\]I4B1197/N?V>#5I=BE5GH-IM02NF(5>N">9RKRGFT<
M2(Z2)*S+5`W-'*?G,[<!*;<<2S-=<3[=@H]I8&_.BE$35?B56JW>R*L$"")%
M5>*"`1#QKHYMSE4EJG1SY:]C*Z$(T@9T9/Y@9FHTRR\A>FY>EQMLR0RLP_-/
M.NOEN+4VZWFO%(=W(4]LA8A7S5"GA=6N'3.1VPJ$BE;?=H888MU78QT6,B1.
M5MV6Q(90IQ6F/G!QQP,UQKS7K?5NAAJA'!F(XSICR#G,2Y%@'78L6K,<2Y#T
M::"//E;-M=BZ)HW?I>OM@-J<\R,8^J<3J*TN2H'&B.FC]0'G$DN=#"J!T&PN
MU8Z=BV4A6B/+CX(-4*\W6Y$^_N'1G1I`PF'^GLS7M@P')9CYF'FMQ-+2CWJC
M*S"S_,6\&(]XL5%Y:>?KHR=XB+YR/,LU=LYU&O=X\A+5RT_8`#S=Z;&"8)>N
M`VW123;@F2/=]S\UGXU);T&7_:2:9Y^\IAT>==OR?TMU(PR7K)$&D37DDAME
MKM(%7:R#2DI=GT%'PJTP37%(D5ROML1<*3)6_P#0M?5*E1E=3&J\]Z(#)GV+
M+7;7,KE>((DV6^5X;5G*A1P!B1*'5=).2UT,P6NDDD6'O-:F@8<F*XUM,CXV
MF/YZJ,K,,*_4EY.8`RC\6@=-TS!I=MNLB*I-#=<FQJI*A-21M6F0[O*$WB8Q
M`),3RCP:1-A5N`[IXN_"TE?M#*RS^@>9U(YZW!ERZ3>[0(U0:%?;(=HSM'LP
M>LQ^J;L\7FHC<N-<FOS3,N)>G3H<>0$21'M.?`X](;8D-N[!1J1)?Z@?+2*G
MXE'HW3^@F$W6V4F**`0J7`^N?K'W*7#L;!2S78&&14KH`!SR@28Y(2J=!A.*
M^-"_8VH,K.K6/U$.17JUZJ5#IW2[I.E'@(`0^"@5%;9!\E#G3CLB1%FW"&2`
MHJ+(Y[YV"#,6:1^-6Q;$]*=JT&5KB7`,\I*>5\:Y_D[%K5KDU.`!*6%ZK#-U
ML[=(\89/=@OP"L,'82(8`:'[1[BL2=-8=`[;?01^F<C2$MB4QIS*=L_G95V_
MI(U>KQJ#&D6KGX9B^D]U>Q<]++<M/'W^M5X&1J-O*$2)2I\]Z?N1%(HC[$3I
M461]*_*3'TE\7*=2L>;Q*:)Z%<C7'.B;"-7OF=9Y92X,>BL7HR#Z!QD1U:/9
M3<N7T751BC7(+\MU7OGQY4336XSD?;R/5093(/>?W/-!JG,DTZZU<C=#"`4$
M58W^=2#P%P[5J7;*+8"M2$=(?-FZ]8Q71PJW5BMR?MKLAQB<N*ZTK6!E9%RW
MGPRD0(F".?W+?T99IXH3F`Z_]-T*MU*1'&]45S<$/Z`6-#"H@J2AMP6C*H^I
M/S[TTJ1IM:]"Y3>#F72JYUFK[N=1W*?K3QZT`Q)60F-J.>;JMA)5F6<$+C2I
M6I`(B1$O*AO*VA3[&DN>Q*5)P9:H6!@@P!@#`&`,`8`P!@%!>3W/K!U#B%PI
MM7&"K`8E2Z<;14SL[0T)>A]/O5:N)OG9B>XQ)C1!G1`@"0$?6^VY%TU/5\Z%
M,^].Q4Z,TX[M5_+7I5LII+D7.;WQNOL<_N4!QB-TJK5\J/-'J=V,!-@6P?4N
MUSZ+$E,'W*D0!S!H<[,4Z\M]X@-5`2RX-+*EB0JU>+W<ALF-I0WM?4:1`ZT_
M8Y=68\ESJ[D]3*[>Y3E(_)]FNO31$NN$XM--3-/ZC%A<F<PO<>3(4K36D0)_
MY&/&\9\Y&'(OYKG=/L1*.*IO[4"@/N$2`'Z?SZ$WP/[GS#FPK5SK^J7U2.FO
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MP("%N\MC\%L)I\U"%2X_,>M7.9`[*]#0IQ,Q\E40.A=C'->B42IPA#"%>]>#
M*:I1FKM<X#YG5*!2*57JE9*ISWGO!>9\TG5>@]B9`C[;5::SP1XK3JL0<ZJU
M#I72Y0H)=`,$@,!5Z+!9<CO[.N*G+>B#58\>\MAVG^8,/L,RZUNA]'"<S#Q*
M(B-0D]A%F"-IK%6O'")PX9N3;NZV84_T+\DPKA&-)W'KXU]>E-+(F%S$3-B8
M4Q-Y_'G72XG)J.$ZX",";X!J%.@6:>8L@2U/'+"[50\ZQR$&`Y,BY-V+/2I(
M]Y^1II4E^(MYK2V'&G%C+I7`\Z;'X:]BF]D+V&-5*_,I3_>OV?QG-V`1%7(\
M.^I6N5Y*=R?=@^],AN9.[E/9`I%^GU#\$8W(2GX=HW@UF5.__:;8>&_/N^4>
M+U"1WVSVT[83UJ0\Q'-389*K+D1)I]<VTT&6GIM_)Q0%I'SH"?H'(-4C0-04
M(8#L*V^XZ)*G(UT9\<_(6Y=0$SN@1;_)KE8[T,OYDD0[81^PV=Z!T?JTRMV_
MFU>!W?4REUVL<>L(H/-$*C"]3)7Q)^CE;@[G.BU5,.PKVG>*GEI6F`M+CVKJ
M%?IH3E_!Z>&$UGJ9%H/'KHW]C,3K%3FW*1VM-D#V\26#6DE#(#JVY(ECIVHC
M9Y+/Q#F@;7I-S/->J]_M',P=;\>!9>0?U,,2%'`-WE5:RULL-JA;=$GMOR>D
M\X'%`SUM5&027/DFD1V=:>^SD5:_R(D:5Q.OYT<WZQU'ED6K<X$6^U02$/H8
MJVT^B=&C<L/&Y%@Y1=0%$F2;1*L-58<K('H!$?*(PU3%)<;TE[<:8F/N,[&(
MM)XFMEEX5YRMA3H2C6\T#BDZQUNP1W&.B-L+$VZNW:_">74FOPXAL7J")Z3S
M3IS,M;K4J"T,(4^%IY^*ZXAY`M8\SLZX5Y2B:;LS%,=MMUJ&F^1R*933G3D`
MQ$\$')]#+':7T>!"\@RBP%;&*/"H\PT/LMDL4O0@:[)2<8:G0)-%4;*>'G/N
M]T=/5Y/>K3;3YP[;=N063,R&1JKJHA:T//6JAR4]-OI.(&LP8D-:5`<'5.+`
MT.;;8$-+W(==$E3D:MV"K^2=\[3W^=1VNRR*=7.NK!6UEKLNP(3H',XH_P`8
MCK_+N.@I-X#[Y[;TB6K;K1A#0%O;I!Y&B^MSO?#%JDE\NTS0SQL[X8ATL[TI
MOIMDFUOMO`[,)J[_`'@O)EUKF]7F65,^-(7$O0P`:M-2'V2&FPS%R)$JPK&.
M.(=(+TQ\X57^!6HCQ3\GJ]1`O+18FXZ&Q.6/5IMV9VG9CG$6J3..=#"67EQ6
MJ&KE->+7<YVPR,,Q#3@^0S&&-M-()QFH?V]T*IXE_<OY?Y3!NX5$Q<%W9T!#
MN=C*3;#OJ<29SZ'R68,Z^T[SPMSMBS;V8OA6]FZZ9BE-"']L#66V-D8^X2H+
MP/+3`Q7DUP?R!ZQ=.O@P\2[SZ==ZG91`<I$[`]6>?+Y[.\?++64\K<I(^WAR
M$#H1+R$D0#J3R1NDI%:^)95#3:Q[@1:7SFT?EJ[8`7C%TW5*D7!L]!K@J$%7
M4K00"W>0I1L-!W$#W%V:@B.-D8BU,)(.R4K0MS;KCR?YSFAF/$TRC<0\HDM3
MC9^-VT[36S=:8&\E$>1<H/T%/'E]`\BCCE&;M".GC@VN@`8)SGJR9=VPZESQ
M0A8UHK*0AY$H:K'TD*KGC1YB!+35G)%DZ(%>+]'J5VZU=ZI>V;0Q8+BGD/B^
M`:MZ*Z8[5SR&JJ@SW/;P,.P'8$N++;,,26`)'2FG((M8]Q/X?!NZR(7*CTJF
M]78ZY7*EU"GWNW&^]*L@,G?+':^"'R'1@PV3U"2-_9K=1='/-"QOVJ'*#N.L
M,;%0D>UY$)5>@BTG@/F2<$DHFBG6Z[*'U<[,F*?\AYJ7+GY!C>8=A8B=+KDL
M)>'7@G)K-T0Q47AM:D['P8;PS;DD/&9;7\XJ<4>JM"M$NX5I@Y-KEAJTC92Q
M"5"[1`;&%GDURQ%:ZV;U!;>>VR*LS8O1$?M>TN.#Y3*UH;4K:$TP\"98(,`H
M&5_>E!?T`VO^L2F8+ZOI+^P08!7O5ZUS>Z\YM](Z]'!3>:W@-(I5O&V0BD4&
M+BK=M%>6%DS_`*N`XPX9>)(BL_$\V^I]Y"6MZ<VG!56N'$J(5Q;QOZ-,N5VK
MU=VP:)=/W,M5LJUAO-#LR.C\9"$>#*?BG:\:KQP3]CK`:6`7J$ZQ"GCMNI7I
M]I]:G`J^!^;\3N2%>G=-ZE;8$FX'+_9:V>9@$#5C9"U1ZMTCGE4B?;0$6P)K
M_P!^>U0F)"BVH;1/<:4N'MU47>T+#,Z4%@\;O&:M0KG=+'0QWT"3P?L5AD$2
MEJ,Q1);F-UG]D&F*^&>+3F*Z/%WZ5*./#1$>/!G$)+RWX[RGUZ6%68UWQ8\6
M;G#BWQ?/V2@XI7R1*,XS8+XR+E1;,"/0YEB_+$4\R/5<'`%JF1F"NX?WN&RX
MAEA]KX&$MBU:)^[QOCU\IX..6#EK,&71-`Q12U6>_P`NXMU4Z7K=T:?EV2QF
M]7V(?18*F,(,D),E!F!.@-K;>9=;_`2K16[/CUXP=Q#JLJ@IRWPB+9.G3#$S
MHO6XI0VBBMVCD-CB&IK]NA&#VYL!R>',2):GU'H:&435RV6HVT!5HL.9XW<3
MG52V4M-5?'UCH3JW;?`K]ON=;79VGY)F=-@D"-?L8TG)#E-GYR9D+3VHDR/)
M<9>;<9W[,"K*[MGCAXET.MW>V6F@B(-6FLDU6+3Y*W$Q(R"7CW,07%UD`P6F
M1JJ)GN='-NOCPL:)&7.(.RU-?4I2\@6K>!*!_B5X[#&&(R*'J<PPDS'F-G[=
M=;)HX]9KA.OQ9ZW?F&RD]W$C.MQZ9,T^6^L?0LA(0VI+4EU"Q,S/NH^.WCH.
MC&0]5KT$C(%E!@ZR2UWFUVFT1#@,G3KN$B6*RE+06M"30.16P,F&F7*^HB0H
MD-IKV1$--X%6?A/QC\>VZ4U6C-07,J]=G7ZQ3%E+A>"A6<2Z*-*L]`(VNQ3+
M))LMOF66*:>=D;*2IBMR-,/HTE^/&<:#,ZU.E7>7^.$CGG*K&&K3A:G?<J_=
M.>&9<B]V`W,-]-N]3OHZUF"!&60MI8M8+M&%DITXRMYQM;>W);B&4O>@M74Y
M)/B'XV3C,0Z_SN(Y.BJDM16&[3<6@VB+D61!EE-UQBR-UY^SJ%[5#<)+BJ)?
M0M(C;>^!EMM`F9F5E^+7C]+ARQ?Y!AP/N%LNM\W("G[/7S4:YWZ\@.E7*TB#
M8,Z/.!CA2ZUR!-W)AOL.1O@2RSMMA2FE!5E2W3Q9\+^4UMJZVRI-TJO4\34Z
MX$(1+UU"!NNOC'N=`J<JCC@5J^N@]%F3.<UB%$GAV=6,C(&PV=//.>U*A:R9
M/.:\%\;E".;72@U$@/!5)Z+9:-")%NF!1PXL&J,7G$"PF:%;2L)J1:0%1%)'
M1Y9D<X1@MZ<VA3;CCBUB-OF92M^(_CS4XY2*$YZAE@P%>K,MN=:+H:^*LNP@
MXUFL"]FK&04$K0T8`A1H(^%N/#'QHZ&HS;2-;3L,S.J[XL^.H>MW]G=-DPP%
MS=J=CM*XMUZ$ER-^S&V$^ET=RJ3(MI^X4:!2K>2DDQ<6OK'1X<AW>V6TZ]$X
M%64W7^8>%Q:U\VATT!;H=GME1,QZ),JEB[Q4E1JV&H%/D';OHH-/!(PPO*J%
MS!CY5J6YHN0>G-0G)KKR76FQ?%3N+V"^*'CH"$J"!N55N("?8JS#@EMPF\*?
MB4R8LA68KD%\@[$=A#93JE::VG;3R5;2ZE:-[U@F9D7IG$O'CH-,Y_9JK)OY
MFL`AA:/S@M([/W5N;6T%XY2MOD:_(+7QHT"L<404EBX!%&VB4`9)<B17FHKF
MVE"MM/$[AOBOC'0B/(B)6J#02Z>FJ<JYO%:)VE(!A-9$V0G2`YX%$)KKQ[=1
M@2BLL9,.QY2A;TI]]AYIY]2UB5;,3S/AGB+$*NA.7TRK:FTZJ\?83L)./283
M53KE`N=/Y$]!)J)/#S4.#0;F8C,2&G9"G&9NUOK6Y\2]`V^9(W>-^//%X4.Q
M*"2:P&:MU%CB("+1?9M;$W8UICDE5)@*EH[-!`3YG5L1#FD(<-AZ6I_<J<ZM
M:%/I"K>!^\\X7R,2$M$RE$^CP*UTL#$V3B2.B]/$%]2F[#:;$7O+9XJ:@]/'
M7VS$K)M!(Q)(_<'8HZ"PE;;,9"-@V^9!`W`?#JG6&UC0U`@1"G*J?2SAVNQE
MWPL*KU?B:#$JZ8#U/4T@%F'RJ.,#DSY`Z(\6+H$1V)RI&EI;<%K*AV>8<S\1
M1X^35J*)C,0R-ZU):BV(Y?W72EVIP2X\BC"J\2O!5V02>J=3YL5%QQ(]]QD<
M*&Z6B.U'TRO8-RYDU)>)'CK.(#S4SGS3,H/'KK"5P[5<Q,&9#IH^LP*I&L0\
M=9(8RS0JM&IPY<!HFU*;A/L;?:TAYUYQP2K,NOQPY(/C0-U6H`0=AK39Z;2B
M<U)HS$KILX1@''"L@/NP#U&(F[$'ARGHRY#6GM,?$EQM*M[P*L[GC?5*!SWB
M7/\`F',9B2%/Y*'7R.'+3!>'?.2Y?-E46Q.+BO)U[7E6(#*VM3>ULN+WM32U
MM[2K8/%U9>&"#`&`,`8`P!@#`&`5CV6]GN9\SM=ZK-'*='-5Z+"D1*@&5/U.
M(-R2L"!.F;2(#60X]!`P);I"6V.&DB3L6*XB'$E25-,."I5=#3(S^HG2@-B>
M6\!#6#E,2L#K5.Z_3[4?(UB$-0]SD39G?J#W.ZP",:"63K8",E(HF16EB6IR
M<F`\E,58N7Z3!P_.^R5J2?7<.6D9`*LDUR^@RY%S"ILU%4?M]RJ`2F5BLBJ7
M#BW38,U3GF9,B9.'/)87[_?)=3\>Q<O865SWS#M-DZ)4*#>>2A:!'L=HFU"1
M<XO29URIZ;-*Y+SCKU.IH8P.YP.8D7>T5[H:E)AE=A(JFQ$I4*5.<4TRH1Q/
MON7FE^R#HQ7GXCGT6_OP1"(S<N%:3@),/HLJ'7S8VCV<A-YY+IP3[C6+)&(:
M7',$"C,=UIUT:AAYM_8*-54A(_S`Z#>^J<@HP2F!J<-9[3^S;L\]=VB&WWCC
M-9\E67*S2A<^ECY-CJKASBS<S[S\P@AI"T-_1>UJ;IH7+1,EW6/.0?RGL,[C
MDWFA,N78EMCX9&/98<1B;.MM9K,OC#&XCPIQ]C77;]-.5F&I.W/IIM=D.;T[
MIQ+:!%&JJ5V)_47<)U8!<'N)'Q(FS6D$X`:*RK]#G63D1N;2QDOIE<^HY`R-
MEN4XI?1T4TB1)BUMB7*CL13\MV2WK`RE;CO,OR.&#@A295Z-;Q-16*)'76[:
MNL&K^!5XM].[5;5'$;YZ4%UD@++56,D4T,]Z9CFT-RG([&W7=1%RHW&\C?)H
MYQ(+3#%6YG%Z&FSUZTVX@P3O3-%V'KU5B5N1)W'<_+-JT6,3W;,PTS'WJ,PE
M25*<?0G7KE(HU="C+C^H3)I32FIO)89DT+$]-&VP.`O)V2S7>H<\9ZS*B5&1
M9YW+H%/2!ND+D$Z2.F/$&#?TLEE]P*AA+CFA<IQVS]1.-1?:W9.9PY4\$YUL
M)T455;F=.2:A;.:K[8V'905E\S#U1VLWY7#26X$DB2$E4MN[=^V+9C/N:#*<
M)/\`4'M(`_9:D6\=R9.P\Z@=`)=/W1K@>N%<K@ZHO7&"),0+8QRV""T&*DJ7
M(T0<.NUYX6R\UMIJ>_\`)&0&54K4X"GZ@MWK;+T"S>/45FV%3WY1HX.J=)L5
M^C'K-"L59"&FBRZQQJ5:!0F/'ML9V([!#%Y4MYIYI49A.FGG1,J[<#OS/.3J
M!5Z#"K/"@=>GF[Y3*H!B](Z$3'EM-?M?\<^9=.A6^O@Z+/D4^P@5^0T5L<TB
M02T[+'2=R4LI2RW(#+WE\=U\GIW&.AU6H-T!BS@IU>%6NX6'=Q:#%@(4UUB@
M<B@HK54_+Y1VXE-&^@,2W6E2QS28L9:$NKD.QVG`2JC7A[]10H*IXV]6+B$:
M""E5JL2ID85U*.7-1+ET#BEF[[1*^S#?HXF')K3]%!,LECBI#38TG*<0U&F1
M(;\S(7)C2HJ_G-9*2"ZR_P!HJ44@;H'3C`X@Q3;2-,0!U>)=*[C518*O3%5F
MLOV*16@_&7'=+E1H<N4N9\3^F7([JU4.->'82RS>7/;:7*L!"Q<6Y[*KH+B/
M+.L$6ZAU"WV^576>B=+ME8)GSQ41R)UR?SZD4>O?>2DL2*GS&MLO:89DQ]_4
M-"43+L\@/)P3Q&N4>QCQ(Z]IM[B"VA8LN>^X.T"&X"19+M7U@:5;!TX<`19H
M"EOE'P@G>YC"'"#*WVDK!*IJ3T+S]Z'KG5Y:JO)0E=Z'.YK?>@<[FD.HPWP<
M&F5^I=S*,VP^0F<]=A0;C%F\4D.L`=QID!YN8SMX@VVU+^$7*O0;8]9\BY/%
M0/(S]@JDHS4KA#=W=N@./SX`FI2V0@V4$%N1Q%=/(7:>BFI_T`1B<L0)?G)^
ME<(,RGX4>4,I5-?ZAY_V,^(@V4]X_%J;6(E$5U>Y&C]I.A]".6J.<YAZN=9%
MVGF=7,6L:)K]ZF3B3[K`V$TY7IK421-:7&E.C67O.<3YS$I,ZTRX]`E3QHND
M6CNAB`9M0X:[6>)TOF'(;G(=IC8>G3IUTNUDC=0A3&A,YR*W&<?=0\29;U%;
M<#*6!QWR\M/1[9S2N7+B)ODD#I,&T_8[+;)ETBB+-80<&58!]9H'W[EE6EFB
M$VF0GRSNC35<6[%C2EC&RK,.2\T(XX$7Z-YD=`YG>>W5Z=RVG6,+S4M9"8"5
M#Z(0KQ.=SGFG`N<=JZ<1,H)4P@/W=VM]!CQ08R,[J+.1\BY4N$W&4^\&546)
M;7D#Y'V7D!#GHZG<R@]#>NP,W9)FS-]_9]H*)%73C]#82RE=1M3I(C,,]DA.
M*:6F*AF-#?WMQ3FVFEB)5-;)'ZDC\9JQR=<`N$^!3@8B!:RX63;S8,+U,]/&
M"@U6=."^7RQ,BFD2I9F,R4:><L#SJ_\`)UY:=;5@UE[S9/QY[KTSL-JOD&Y<
MQ&\T#5VI\V,"1$\K:/SZP;M:+6T?'V@#8:;5W!@MN17$OBGEMQYL@?(:<DPX
MSJU,-#+22-1@OGKU>J#I_2>O<WK,FB:Y6,LI49SNXRR,NNGHQ7RYDL;K8TQ1
MQQ6T(M0+A$%B=J5-BH&R'4+BHDIW(TB&LJ?`]!^%=+L76>?1;=:^=F^8FU&#
MXB36S3-B:2^T'*2(,(^%<MM3H=FE5ZP0FVY41V:&'/J0YO6VO36EKIEJC+BP
M08!0,K^]*"_H!M?]8E,P7U?27]@@P"@?)WDK_;N-G>?PPU0L$Y^P\[L\$+>T
M>M6*2*#T:J7O8PF]H+8E0DDV*XN,B1J#*^!Q[2]MJUK>MBIT=35=WP7E/'[=
M.6USG8?H_2/SOT@8J*14F]QH_FJ.\AAD>V-;%?!8I(_EK$@"VB5MQE#[RHVO
M^Y+6K8N;Y>@QL3Q#["#M%]MP1SF?W5SH`*[C'TVBTBR':Y`CRE_;V/E=8(LT
MN;^5B]2H:E5$2ZRW8M:9<7^+$%+,1N%JBBW/&'J@KI'%>>3Z_7[=;6^21*[9
M.L1!?4=#>8Q8'BOY!<I+UX)<R-#9J96@6?I=W&D51MFF32I4A3KP=Q3;$IBE
MS+CWGH/P3Q]>XGS?H/.A2:P)#'R$*341%79E005=8UQGF]'+MIA?1Q40G"EZ
MJY4L[MA"OG40W(<WN2Z]@PW4U._L%WB%$*E&)O-RUH+BZT/M3<Z4?BQNF@*H
M`\083?-+L:^P3YSE&LK_``"Q0I*5QYC4:'8OEU%>7(FLJ&LWR^DI&V>`G6JM
M1;U8&H%=)S!OCAVZN4KG?+;02C"ZG9;:CR-E1.;UL<[RC5UMM%LL/LD!EYJ&
M<KB$D1;<E0^4N+`TU"YE4N&'X(='=OM%N$J33ZO70A3HA@3S*BW%<"K\4GV.
MTR+&*;H,PAQN43/@[&QZ1[%"&JI7U"7G&-N28:U-929C%'/T\[?!JH"IU,/Q
M0P`&QH$.#5;)-L8>KTFPJHOC$((=?K48?4#CDOH,>P\3L&V_YD)^4W9ER'9S
M;KLYJ1*!2[3[U^G9;B@3HPRT&*Q8BUDOO4;9%,V,]]V$'R%CYYY"U[G][FU<
M3R^KN`+]7C_9!ZILN;/L\_;0:.N//3]`/931F1O3PCCL[E%F[R3F"::PGJW2
M@G1&S]<TIHX?DZY5SZF&]W)E0,<I12/8*A+?9D?5SMR6)FEKVRY\B-C+=:&D
MD[PH[<5-]>L5HB<-O4>\]!J]J>YR5GRJ[SKI+`1SR+@;GW<76^1L)"3X0[KE
M;(-ZF-6XA,+U1*I!+>MPW(HUF7>3CGOA7TNH31.B%TJD@)6:WXRHK(<9+LT9
M(RWTPWQ.1Y%RT2'8?RI$7,/X^@_L.]>K^I1`EN3IG3WN6#DB"5;P<[`)9Y'!
ME?LI:%\[L;#-6VH^4GV?CE8$=EH?36;16["-YG5X?2^J7"NUB>!-EYD$#/G1
MY,94^835LDY.#,BV.=>*5^X]<N+V>@!^7ZD4'B-FH]Y>)FINX5LLL]=ML8YB
MM0GN<%#E)F&>A'V9QRT1"OSE1VW8TX1.<CC7X8C::-FN]\XM?0`%&(TEVN_G
M7F/3*MT^O";9(GQ*I8Y0..5#E*Z9*C1I8F%1/`6&9]$19A3%CR2(TG<=Y+2F
ME")T--'/#3JID',/WAVA]!O?VCF`IFO7Z\6^[PC=*I7DUV'LQGC=LZ58*9(.
M%JH9HEQK8AZ>\(D?<IM>:^NA/1&T)4-9ER*NZ1XB^1E;XG:ZJ,U2[V+A<<L:
MW(0JR7QVU%KAOQFO/%!7-*U7F*S[YE0BDK!$VP3629(J',:3J%J2A*E"YE7Y
M=IOYP_CM@YYR"X4@G$JE;E6RS=-L(:F4V=-(43G`R\$B$P73ZW-D@JX^\)&Z
ME?4/;:&0F4RY+Z6&$M:1ZC#=33<_X`7\U69\;\RT%%L8YO:Z77;#MJ6]/'I/
MU3P_"2@$8H5JAK8FKVE'C]81Q36HDQK[<?0I<*7I<F-L:S?+Z3=7QLJ-IYG2
M(W*"]1D@J]0!@:+73<N\"KFH_,/_`'&R60:+V(IE`C#JQ29I1H4-2D0,9VPQ
MMJ/#CQF&?D&71NIY^6']-RY.TROU,(3IL0)]532G0:O6#GY*1>;/'%^106U7
M9RP&>5])A0[C$7U@`0'%%AGB7U(%/QR(3T6!):E#>=%IB?#/K$_KG3+I=BO,
MI-<NER#D'(8YM"DV:OA)?;X@^78ZU#YW78ZK"FE=+%C)KI,G8I9*1!ENKFM1
MW(\5%)F5#BI_B7>N.ZYUU>M\]YB8Z9RFC<IJ8NG4\NL-]Q$T#A_6N:$J,"MQ
M&KA8HBI6"\7P<:<2N&RUMJ&MUUAR3'BI4#E7#D7'Y(>-UNZ]UGDUX$PN>'@U
M.(\\?<1?"!F*3YU-I7=N;=:)W3G$0=73D4A:;17*6^&=TZ^*VC?TWND.1E26
M%")T12"O#ON`?\PHKDGE!#\R\,H?-KK(N4R/;7;P1J=OJ,MX;7D6WC]GUS4,
M[1(1R$[]4JSAYI>9`)*",R(\Q<P7,N?:5TY^GQV5T;7!R2/)(M@'\%K/,GNI
MMV*W.WD-)JW/?(6G+HPM35&&HG\[LDKKPI4A]+HY3<<6\K[:MQ,#4>#,BUR/
MA.;>M8NTW>+SV]5<-T(G:IHB9H[(,"ZQ8%>:L2TSZEI-3-2&;C&#>2H9^.W%
M0TY,E!WFM/M[U%=529NSY<#(T3A?;;-X/@*8=W7)W7.C&0UXZI#Z2):BLV`/
M,L\"8\!F0KE2NDQ*A:V>>"1L-.R%>*Z@3HNTKCH<]'61:K-W%?0_T_NCQ:CK
M2[#SZ5T291!%*M-A>(6A3ESKP/QXX%S3\@'[!]CT9?HEAO/*"CTQO;.TH@%]
MRTQUS%.LX&;$WN\:>8%>0<ICTLP$IE8E;O/6K:Q5^>RIDVFU<7T+JMSOP>M`
MY4X'6GGF`0JRLQ7-I'PV/F:7\++;/QIT,MU9?F"#`&`,`8`P!@#`&`0?I$+G
M1"CV*)UIJH/<Z=AH_-3=]4)14-P&Y3#K2CBSBD"41FYB&E)4]O2=.Z3O6_=Z
M8*JUPXE+LUWPP<EDYC`?QF>F7?FC5C+/(A\O>=M7'06A.FCTS^8O[QS03^7(
M'_>E?(+9W`C[VK6V&_8'B[SBLG1/%<28IT%PQR!9KL"G[,#,AI'-YLI\0&`7
M[J;76)LJ4^ZF14Q3U7*2V3FVY<1LH]I6U>KCJ]!1_01#E/#O%#Q]K58NVBW+
M9NCEP>LU(ZQ:H_(*XP_8K]7@=>AL<XEU&OTVDAVSM7K4./&C@XK&YK3:W-_*
MXZZM8K<G@=D!=/%OJ#<_OTCGG/IBG.@W+C+G5;"*Y;/G26^6FK`&-%YMHT7(
M2!U3@EJ9+TTB4\U/0S&:=<BMM>S:0Q6!UKUTWPSHU@Y?T;0OCUOOUDGGXO+#
M5%C<P/7EYF8B_P!@M)^K$MDH4[051)D\@A/B/[;1.GRDO*UN1)WL*2]!;-LL
M7CW]_@G;<SRV=(D5L)>9/03GY#?'A0'.;!]RH)TQ9BLM,F%"#V>US)5>EZVN
M/%FN2W&'&75JVX)B5C4H7A/=.?`>I-TC@HBHS#)7J\"?:@'-1K0JQK8&%"MW
M?=>5(&P"ST#[>1=G)>]=LKB2MK_%E>"^)88DLK)'Q:M%R+AQ(/DNK.]H=1!3
MCPZBH?Z&"1RX;>&&*+MIQZ3<*J-Y]UIQMS<="F6HT^6W[?IW%*<$\1-;A</'
MA&SPV_6KC*%<^'1(EH@6\[2$;I`FU;A-P8Q^*9E:W6Q]CW$CI91(2RW,VTWI
M.E^U/H&)7!'7B.9[/5:ENG<9M_6[C4;2:AR8`#GMAL$*F2&EGB9(RXG;YR&!
MN&[M)=9D?$N.07/D;VO?SKVX+XJ=QV#`WQ`M-C4ZF?X[ZZ7.(7[G0:Q1-<C*
M7P?;R,<M*O@$0DQ$,;E6V-NX3)1,>_&DKW]S?W+86W+?2Z'B[Z%;\?YIX/46
MMC*R&M'!^@SJP-Z/T71XV1XU-+CZY=W7W.C6&&.JX\+7:M09<:5]/+0/@0Q*
M(R4Z>TI>U.+!N7>6K9R?AR?!/L6\MXVE*Y8PL`L]H\4YG(%&0%J.C7!)?Y)D
MC<>8+L-FKL-<63K:FY,^"RIM2GF4;2'B[S\%&O$'H^G:>+F<%L[DRVWOG?Y7
MTFDOS2%SHQ<!-Z'6(05]")I$S7#-/%2R+;#3BVG!L.0O_P"2PXD3Q<<3#=P@
M^-E8Z;3^R]9363?3J94"(WG-6*KJ16S-CI5LK9`K::/5S6FSCI8.4B0UOSH3
MJ4Q64>Y6O>EM6A56E%P.\A[Q$FKB62P!N$5P\(Y,R,>BW&/S(;9*OQ8F\[4X
MPDFP])?V*YS-7-6-:;VO[6O4E49/K\JFU">(P`#?@7&.!Q]<9\78ASE;55>K
M>X$7FL1VG:[,N86I\BMSDM-,Q)/27G)$F&Y#<VZ2<?<6G:U/*VL7Q<ZT+3D^
M-WCPBO-`%\*Y6]718N>-AUUCGM86-9$2SK-MF!80E`S41(Z79(C<SZ1*-,JE
M)TOV^N"5?:4A/[OX>=EG5L#9``"[2:R'\>[_`%.%;^:)*1P<?R0F3!7,9H/[
MV)>B0"<=D5]07:9VET)#^!^7IM"F]X+22+1L0#Q%N',TVZU"?':R\=]HW:+0
M=B\W+<V4V)*G1HI&CLY+]84S"-6DI%:3\OL2^2ELZU[I+R5B8UYU(?OMWBA?
MJ/2>R=!<Y\!"U6N2.IT";U5%,CG`("'SJN=%-VVICW2!69'17:@;BNS78>MN
M1MLZ5_T-,N+%I)8&+G7SPPYA5W8(()QG="-#V*_:M4R#S%=0"5CJ=CHXAR%>
MHR9\*(*J%IW?X,^0U(:W">&H<>6G:$MI<#Q/YR>7:9XB"JE'Z;>%<%;I]!9B
M]`'W$DU2)(RNMPJ-&>'V401;;>TRO]G`5CZ9R-O:W0\5K3?N8;1K0BS<%6IE
MN=4?Q<CG8KG**UP[5DY@.W'A_D*#2'#'/A5\8?.(;8;!(7+JT*V0I;LAKTTP
MB7&=6I'N:6KU!M\SK3`WB=U?WW&;"X!T9)@L*)KLSR>?VMHH<HLUNK")ZB^]
MSFYI2K3K2V+;=^13L51!$3U3\R6U!XEVDML-RX*0K,;I-KM?(YM.@N3`L._6
M`[39%9AO?>QT@@)C6DC+6*CN_F.J1%O,)?UOZT:UM2?ECH]@8\""%H'AVDS,
M^^,^.*#Q.!"Y20;)KYLV2(CNA:E649SR:Q)6E^8S=$3'Y\46XE7UZ7G7FVUZ
M<6K8>+O/JAW+QH#]/MG/>>HYL&N/.Z)2Z]99U953X;`<`R2Z8H!S6;.%S=3H
MI.H_DH[/<$26V]P(SCCZ=>BWMH#&E6=219_#BF&8%+<+>/P8];[F+"1:Q'<H
MOW(I=[X+NMS!PY0J+IR0R4MPLR?GQ%/H1J:@A+6WM>Y2_D%\7'$M_E<3E<&C
M!HO%FZ*US=G9!%?;YLL&Y3D*02EI*($JKBEA_5LNE]+^FM_S7TK2KT5K>M".
MM<>)8>"#`*!E?WI07]`-K_K$IF"^KZ2_L$&`4EWN^V_GU0KLZC,5UVQ6;JG)
M>>QW[5#*D0HV%T#H-?JA<L^/#$1$^=(%BBCST=K4J.AR0A&G'$HVK>A4JGF!
M.\XO(&Y4[\X28W/^<U59#MXV97FI$%ZYEGZWP/J-W#\Q?*5OJQNP<[Z75K/2
M6M+F2X0PD3^;?PA8FHKGS#>5(LACSC[SJY"P;M&YG(&3*YUN[[U]6D#*F5>G
M7#O5/%0PKUGZ6./66QU'7'QQ$^P%`F528]C0C2!B([<J:)E1%C/G;Y)4P%N3
M:J[QLE,,E8]=&&:]7[`$!4Q]F7X[.$[;<OS]UVMA9E<4QWU,%EITZ"0W,'-O
M.3?;-W&B"J*;)#(\PO(\CH*X27Q7ED,U?JL*>DR1):YQJD(KG6_%NC]'A6"U
M(OPNJV*)9V.^RVQY(?\`21X3(Y#R')>Y25QA,J[S<KR<[J:X0QR<S%8KSM:M
M'40E0NBIND%[?]I,LR(HR'SZE(LM7)VL\7LCL*&ZJ"LE*%Q7US?MDYIEU"!E
M*IHQ4_."_'[7SFWV<OSQNK0H%95<9E2(G!O.JW#ZY9?'2%8ZS?Y!0Z2BHZ%X
M^0KA.1/G/O1&&_K6G'X8_P![S&AK*8ISSAZM)>9OVC_-RH(JBCGJ361[5A#C
M*96+IR"W$9_1.@RX-ID2[WS,:6&NE'''(L!MA@;(^*0EUGY&@RK@2I7G-WZ3
M]\E@0_!30<)).4L2<F2SM7K%_LT8'Y.F`'30]S,71=6K/+CC/!8#D>/*D2T2
M$F5__3+3++4I\,JYU-T]^1(G7B:SY(-$OFA/\SB6UDJ[29T&*HG,CM1&9<FE
MOW3:H(=)I[6W4KLOT+436WE%OI-;G8,T\5#2ASSV[8[SJ5>8M8Y=N*/'<S`D
M"K#4<@$@VJ]^1O;^,S;Y,+/]E"<_C\Z&`^-MR6XOYJ6R]/--:T<W&90Y+&LJ
MK0WENO5NA@O&*%UB"`J0_IQ"D\_*KKI`FY:*6'M5Q>K<(C"68JL_UL8(+--N
M_'(@RO9,:92MMWVKTO!E+&G(T2MGGWV/G%2*R[M%Y&[:T3)A.LM"ZV<!5NP`
M:I<^]TVUUZ<1NG7`L<-9RZ>*-$!;D>44G+^[*A10Q5R&N0\9K*B/6+SE[E2+
M9:+@5J80H()\0O-LKHV-JQQJ:R6YMTGR,"4_G<)B8:4E76>A`ZF@Q/)2'1L!
MX16YL>,RX^F.I(N54])QG?.WR5K3[DV0SP\F[:`/-V*@#1*I+-<'O%3/E8AW
MHQ6\)\BM4EFL]%;XQ7Q*8GYGE-5LL=::^K(RFOHR`94^TV4\<._7SL7DI=QE
MH-505#K_`#:SQWN/UP@3EGN;&*[W&ST9K]I*W3$X03LEA$5MN?!F1H8Q*H,G
M:6VY$?3,M\9:21`>P^8'6^0]"[N!=M'&9@ZI78T_2!%J`&11!L#6?''E/3@_
M*42QEU;?.=$[=;[85C5R<J/KXU!YZ&1Y)3:8T<5132^7,VC\K[@8K7/Z$_JW
ME^5TRS]5H]:ZWT<6[%'E.>\\-,%ERYV[!+9E0J>R8M3`H%+,K3K0J,5=D(=C
MN-HDLC*6)JG9_,RQU3K`G@W%3](Z*(4+YW5@%TO+\RTEF35GM?`Q3-R+&1'3
MMV;J-4EU#LWU2"#0<1`DD(VF6S$IU$MM@:RX59$?^8MT%=A`5E,'ET*=-K[`
M>XD#<"8'$\[N#%NH`(UTTC'D]/\`S:8XT+KMS68D[6)&#XJ8ZXGYC>?CR]L!
ME1"*%YQWJ@5JJ1R5FKO0K#:NE#X\@T3EE)E4NM.)]5BU@L_SDM9NB@&Z[(C1
MKO!<#PH3=J)38+.EZ@O1X\B8T+E3-_\`Q.[CTCL0T[^TP;3(96/4^17T8Y2(
M%@&#F`W6J:JSQZ[/9L1<S*GEJV_%<:=G-KC-2TN)](K&T;]XRTEP-,[!Y[>1
MRG.J+K7/^2BXM)M';8HU%JDN%#$.#Q"K>0-BG52SUJG].(6H:>N,;D8B3"+D
MQX!AJ,<>TP-()AMOS!K*N\XNF^:W9XKW3>732O(QMF`UBW5B3#JK-N!]-L4Z
M4>\GZ:KJ?-84JW$5URO\[A<;&F)S3C9=:=.R_69&]D53HBBN/RY&;5Y[]:%3
M9\9FK<_M$5BP.T58$8U:'+MS2Z6'I-TX1Q:K]76DQ*CNE>I]-A5Z5\R(PKZ<
M42E*;9?:9:G/!E1]4WS>\E+T,/$1E(XB"V.$]H/QH]MLD`;]%*YJ$CI9YU;I
M(_JA5BA'A=D(1=D"UE_+^GHKJD:%P_BW*V#BEVFXLWLQ^W>&5A[KS<T/:MDG
M@]KO=7.EJ/-B"FK0(J92>Q-?HCEK+O*'MF8&]HC-FY\=YO2=M393*D/."4\5
M'VFG8OR;[]6;'TZ,+L7+^B#[G:A;7.C<T9;Y->"FOR5X4#)Y:*X-NY&+*YF8
ME=L*$H8H>XVZR\SI>R#_`-0[MH6BIC\N).8GG%;!MZ."+6KDS%5#=)34[3*;
MD%0A+C(4?WXGQ/<CKA`E8YP@<1Z*)BM60`MQ`QEJ)MQG:)S6FISH953F4#=?
M.GK_`$.B/BP!3F5%.7/CL.R@P(UZW1.H#"S_``[C_98'2A\EBP-N/<I+'^AR
M`6FTP6I.D0%;1/=D+>8BBY4CU7X==K+?:(\6N#05%F"WSJU!,/UV"0%@R<GF
M?3[?SU!L8+*$S1`7&.QZRB9]*[-EJCJ>VWI]W2=.*&&J,M_!!@#`&`,`8`P!
M@#`*M[+S1CKU`FT25-C0(TZPT(V^],&-F(KK-+OU9NSD!\<\]':?;*(KNXV]
MJ5O3?S>_:5^WVJ%3HZGG]8_TTF#Y*^OJZ4AN-=!E@E#)&H=\@3*/<)5CNQ(+
M,`BJ_P!,!U2977`%S6.),2('W):-250YT3<I/TKBS2D9*1^GM/<3J`D_RV75
M"S9"Q7"G6*E]%LVC%Y)\LZWS0C%&WDGUU5\$T8L]U9XR^WN8^7;),O*8F-)E
M;2P&;Z2V.C>)=ZZ'R/E%(,=@'G[U1:;=J#9[W=Z-NSQ+4$Z;1YM"MIE@"BRB
MY$2WBA4S2Q<Z3-F*7['&YNI'U3SN"*2K4^+OX40[?X\@N`:NK+,`+T#I5S4:
M(U=DKHG"Z`_UI6A)$6HI'9D/PHW3](?D*<WJ7N&K>VT:>]K89L:E/]`_3F,6
MP]T"0&ZK5PU>Z7=K'?#<6?R[9>P@R<N/VR'7A=0-MW`=&$!X[':7W)^E17')
M+T-SX]M)GO\`QBJ9GYOZ?4QH\Y:P?3A*3(+J%@Z%S^`;H:YM?!@4WWE=^Y[R
MPO#AVF!**4NE3Z&2:1MIV,\I1KYV]-KBI2Z&;ER,`(\`NJ5L=6A5?[U5!D2L
M1M%VUBN7G:[.*VPA5.74FSBM$0/3X<ZK<].UGER(R&13D<W!25=W'(H5&84H
M')/D3'C'@O8^-6KD%B#=2#[DT#:H=K,CJI8X%AN51_9U3J8_S;>R-_.AU4PF
M=IT4TM9..5*PY<=OZ:6AQ;[SH.5<#,G/"RR6SO\`)[';NJP["'B7`/8J[6B5
M9.39,$.)O_-K_!J[R9MWD4J##`RN>_3P9`P%`F/;E?4SG9<AE"L$S841^\#\
M*37#N@4:P-]$KE@JE*KDZ.W`WSYT?<R%F-\KY'RTLXNW?FN9&BU&/#Y#&EPQ
MZ8"G4;EZ86^IN&RI8.52$(\!+<X)J=4E]2H^JS5P-6YSJ9`Y7*B6^1S?GW2*
MWU6GD(I?5W5!%]4)V&O_`$MA+MQE1"C2FY:(D>2PC6Q<R])#VO`*Z&REHJTH
M]1*G0J?/XZ6YL6B\ZC2#MKMG,?'&B\JAO6#<&X1X^^1O$H$U$^MN1V)<C;/M
M;F(8<TK89B3'_P!/JXE*5U$.,[&#!63M)N29Z%(&4FQB:W+C'D]QE':L/8K/
M1J]<(]2%6/M&B@R']Y2EY\.EJ?N2Q.EHW!F_P)16O!!X%V&I=')W0'8@]:M)
M,RQ7GQEY`.Z1^>"O5JZ5:U6>CB:^3M0:[6(@TXHH.(#WQC<3>HS3[+RI%)FP
MH7+U'QPL%ZZ-;K:&N%=%`^CT&@4FXP#50F&[(,7R^V6FV5B?2;#&L@J.+A%I
M%ODLE(4J)*0Y\+3K"VE[>TX(F:\U3].:#7;2R9(7899H3!;E%GBJ,"+>[,%'
M.>6'C$PV,%U_?05\Y_+EQ`\8ALJ5("O$X<M_;B92VFT-8-9C..^#5N'08D"I
M]/K0.:--<\L=<NB*8=C7*B6&GE.J-$#E4=$W@>&E+(4SI3@E$$I&FC'(ZI;4
MMB3&DI99#,N9Z$@VCC(UINQS19`OI^<IZ4&'2A(]49<^2L:TU!FDS$A#T88I
MEIY>Y"M//H6XE+:5Z;0,'FG)_36@3&T0'>N$&!#\_P`H&23$*JL,3I%2[75G
M*3R2M1YWWS?T^O'FM-QD#GMH7J>^SMSV1O?M.AO.7"+\2S`3C-.I0:PTR%?Z
M?UZ/VG9@@&Z!;Z'9K<APE$FKL@"Z=-/7"2P3$DUN^U!U"(A)ME]E.D-::4)7
M'N*:$_IV&@@`#6A?60P]IOF5CY?<;(.HI.`:M%4-^/=0XKJHJ"-7A=033/S'
M48UH2Q(ARI\&5&;C0I<=MR2XZ+F)@:\'K"4U%L$>^T6%=FKS)Z1)^HYE))4R
M?9'K'XVV9H?."KN$4M,`L2/'Q,5/OG;E)C$4;2YI41/RB*7T$7W^G[;?H"`)
MOK%0:`GPM\*G8^N8SU24=,OG'NJ\G?D@/2^(@"N;!$=.5,B"%L/SDHA(C?7Z
M0KWI#,6QS/PV14I?D%+LEGADYW=1-]%KL(%5Y@G*S"ZL?M5SN`4=!/7JQ4Z(
M("VRWR5A50!8^2B*EM,M<AQ*G%@Y5H54QX$7Q)`:=<ZS0HA@B4K$6\Q@O)B`
MVMOTZEE/&J8&AT@,GH3BJY9247QG@MS9<IZ?'THLYMJ/I,*.AP7,OEZ2TND^
M.]X&\2\8>5<H:I!,QQCHO*ISY6UU./+IK(RE5FP#25D(T^+8`4IWZF7*0M#<
M.=]6S)?2\G;GQJ]1$\6V5=&_3L<`4UBGU;H]?4B6#M5#L!2T\Y08EO4>]<HX
M7RZP$@:8=G&[%]'#Q^'1GPA%U<F+!9GN1EQG4-H5L7,?2O`N]P-&9%=ZS1(1
M&`TP!Y]*)<G(SE,5AR'Y/B",KH\B)T(9-NUP6,\H9[C<MAP;'5.$H><95J=)
M0@,WR^CZB=5CPWM%4`UZGQKO0#58IG68?4Z]][YK-4;+K/56ZU/HU<O,^%<H
M[!^')B7B0L'(::C/08[,>)(U*;:^10F8V,\<^56#BO*`7.+#;6K:L!*+MA%0
MXA6**K%6?)2'ZS1`*K"<L]FF`*6&6T/AO$R,V:N.PG2W?324I$;JZEY8(,`H
M&5_>E!?T`VO^L2F8+ZOI+^P08!$KU=ZESFK%+G>"T<)6@OT:II!^/*F+U)G3
MXHP5"@CQ\>82*%RI::Q%A1(K+TN7+>;99;6ZM"=AQ*<(>2WC@(FV6&8NH0-,
MK%0F=4M2#%=/"?M(,95A-M+$"CQ$%&::M`.EG(1&>*4K[W`'2FGI$9MI:5;%
MHSNP?)#@)K[7*B6^#)=W5[W=$;>K%F9F5JL46<6!WHO:&98!J50V1I4'-@N(
M+)@.R9<5Z.TEUUM2-!1F$Z/Y-\IH*+,^9:>/U&H\Q[%T&_$J\*FV28&@\EB<
MIGG*[JJ#ALLF=(EP74X4E"&4[2EMK6EZWI?N;!)F?LOD5PFK:-0KA9=5YH)1
M&^B$VK'3+>*B[ICCE<9?G0UDJTQ&,21\BSBFIP^)M^?`>FQT26&EN(3L*,B:
MO,+QTF%GAS]A+ON"*Y3+C%GN\WOTB.Z]>;];>4@*X&0FK.DI'2=7>H$1LBOM
M,:.1GFG$KCZ^-_30967M=3`NG4.Z6QP/'(0:_5K1:9@K3<>'HLW!%3#$^*\M
M]A333A7Z?:75NH5KW*]5ZW^."%!5[S#\:#U:`VIZ["A.SM4L9V1")5ZRQ20@
M/2J_6+-:T&HTVMPR`P>+%]!$NQERV8[1-)J%N%I_ZZ/IT:RO@<,'RYX!/LDJ
MJOGP0ZL(YK&NP\R79E"T2(`TGV`)?`92H%`\,Y5T\OC\AG:-K),QVQ[LE$5]
M++^T(=#*S-_VN_&U<!M";XEUIX+!G["MTJ]/%VHQ6^3N4#`4RKMU59N%9RG0
M!<L-&!/14%Y$N*^VW%5IES:0RLN"\W&E<]IA&TV]+\6HPX;+9+Z"JGK(X@>_
MKX_:[7:X&+F'83+3JE/>D53<=G2UN^Q"5JT)C6A5:O+/QR3,LXAOI(N3(IT,
M=)*QX`6RD&'TDG:6P-@5EZ`#D1+F7D/]%KS:!X9<^;\AN`GXM*EQ].!1GW6N
M\52Y^/H[R"CA8+5=GPI!L9",3V8+6V8UEF`1TIXE/&,J&NS%Z^9.GHR'65/?
M&M*5^[!:4="O;SYU^-M2YE>>BBK:S;/R;`L3\.N#Z_;8Q.R%*U7[%9VVA:'*
ML_(W6G]5J8A5B0PZ"AN,/;=E)VTYK0969TQY:^)X%$H::OM:AZ%%IM2DP-5>
MP36&G0S)XJ8>A)A5R1'GTT#^2RSDPU&^0'#<#3?FE(7"D::#+([Y;S$\7JU,
M,I(]-#1)L&QR:X47%K]HF.RB8P?9I)*?'>&U^3]ZK@2!0#*9IJ,I\1!^QSFW
MY3:H4A+0F5D8)^:7CG`OERK9:P#]#:0*#SC-RT%/D(LBP,6:^`W0X2-%K4F3
M9F:BOGYJ5-*#%S8`IL=.5(<CIAR5H%RNA)9'F-X[2SHRH#[;-M9,_P!+A<=1
M%KU+N!Z!^:BLN\!M?43HP!P7*JK!KG9D=++L./BXLV&MAYY"M;UH3*RU[ET;
MF?,)]6A7"?%K"[5*C5X"1=`%=@FGH\B/'&#B]F@BGZ]56'9Q%MB#HE*AM/RG
MDLL;6ZKV;"C9057\SO'ZZIZG*'%Q:(M&V&'PY1H>8"N78*?!\\G"9L6(;K<"
M>P#GV'K0X<PI3;[+VIS,M&U1I3:E"N+1)T>67CHU7!EA-7$2-A)-*!;D-`K&
M7#0K(,".S[3H6>@5QP44"4.%]0R<.1%J$A-MNMSY$56EHT)E9.:3Y"<:Z#:7
M:71;:BQ6)C5BU*B"Z[9U183%0L16G%I$\NH&V&@0$6@"1'0WWI"&"$P;,9AJ
M?7$DZ:!IKB2'J5V"\GI-BZ,2`2"L$2\$>/H$L0M$/MDTN+`3S4E<E;"'XM<$
MSERY'N7M?T<9:4:VKVIV"570U-IWE9P<MT&^7"333M7.19_2>:6RWEFF2>Y=
M7\?KO7P-2)!@@289)%(743WD%&76HXZ&LF9V12TMI;C;321:.E#9@FKDW3Z/
M6.GKD+L=''3078PI(`JP_"8EUF&LA72I$&`2V4M#P5UMJ3'&2HTE;9&''W]/
M]3':T@3&M.97#?E+Q-TC)TIY&ZB<K]3)PK$U7CTHE:+3=;Q>>:[H7Y`CUQRZ
MO6\<7YU+9FPW8>Y<?X'D/LM:BO;3"T9;%.[)RR[VRT\\I]I@E+/1=OQSH9B"
M3AM1T#2DJND_L\V9`B";%$`6"`\,(.#'I;0TBTJ))VU(U\>4E&0JS>3?CQ03
MUSIUEO8BOE^:!9!>VP7@1],('!'U^N6>1#:(Q@C@B>8B5:R#""AD-Y\@F!(;
M?^#XM;5H*-G38\H?&J>7/U]=^`,E8R3#QR(8!'!"9B*D#LA>R.Z?,@X44VFH
M#J,59)J96_\`:Y@Q^%)^*6TIC096:[$?(KQ=@=>H'2#A&1-O=@>O]47-F7*[
MG*'R>C5NK];/$;4B#)BN<[JQZUB>%NMNC&VH1YQ+SNTH=2F3M\:HZ4Y&^%$O
M%4Z-5Q]PI1+16O%'234>2J`1$RFIPHI-$&AQ,.8ACC`8R(-0)$6;#F1V)<66
MRXT\VAQ"DZ&.!+L`8`P!@#`&`,`8`P"@?*E^]1?&WN,WF1RRUOH$#F-P(U(Y
M3A,0[:AYL<'E38;H`--%FV2112F/8TSJ)(<6I7HVC;GMP^!5Q-%P)/R=JYWH
M42EV>XKK?5>O&Y8,N4Y-&*+I`N1WGQ9I3]T$KE#8VB'YNYQTFUF-M3T;'1$B
MDNQH[3$&6EV&L.9EQ'DAY$!KE:)=O8M3]*KG3!4'HL3?$K%\?+Z^YUN]TT<"
MJ\X+7WR?1A]HYU""')!*(@FN&X^F3IQB'.9CQZ**G>4'T'MWD_T.L[YS9R-P
MK-MZ9PA4P?SEOB!@:\[-C^/_`"2_;Z*(L*AT28JSQ.OV,\,G5S4M6VFAGTRH
MK"XTA]\5)+%=IZ1A;[T^N>-_3+9;X%OM]_Y[*[T,%J!5`?#NMT'<_N]W`T,\
M,JB(+`688L5;#P)B-1HNH4U;ORL,;:=0U@S15HB`4#J?=#?A5TGHDEF81[57
MZYY`)HDMZEE=2[--II>[P>6GDU*74>?3+#]_'C!TA'PA!+)=+FG&(S+;Z-:!
MTS=Q4P_K?E'S0[.7T4_9KO1AU\@13-C7Q+Z24(HP7O5PYM-G18=%"O23#]GI
M#0LI(>9C.?#K>I49IF(M?H+1/AQ*=(V7R0G5L;>9N^F!"/1JU:"UWHC/.B6@
MM\O)7].SE!<#63PET"_8JG$9Z<)*QFF(4H9M!=EZ$MWZKVM[F-"X</EQ-U.P
M]`[!4:5374LN\UJ4V]T@!8>F4H"5Z[<:WS^503Q<C8"'.9-'E,5:7(Z..%UU
M:U(L;$."37->VSM&]LTRDC4U?0_)/D%5ZU"C2.BR@]EN_43]#,,\R^5?,2%A
M\LNW1(BY,S5!OY,O4CU0C#I6]/!3$Q'W"+]&W'B/H<CPM$_EW&<7V/S6(PBA
MQELV&=M%5K\`/7D\66_%H!Z1S[Q*/D[(QJ=&^\F)VK1TZZQEPR#ZHK:1?P?&
MET?*6Z%(_+TD<O/3/,(\1L/+B:']U57%._"),V;13H>R=>E`Y?D[3&"U>U6Z
M`1$C[W&@4FCE(T9DL!@OLG)#C,:5J8.1&O,)1XFXWD]TFS<HXISXN$MD^@23
M/1.-4BPVR'257\V`KUI.CA5BDC*HX.+[EEDQ%J0AUR'+1#VK<AQAQ#2T;$5&
MS2<IVWR@I%9BW)JH7V#TSI5@X]83C37.3\VJDI8KBO)46.F3@+5+NQL'+MLT
MG-6U!B?:-Q'Q\]N06AKAJ2^-43PY(D%DUW:+/A](B6WI%^MW'I?GC`@_F3D@
M4JFL*(=_YI6J67%B!](#SSDZJ<(-32==0.<4\<@L.Q&W)+#LAE0F'#MH3RM=
M"\LKF(FOCKC9!0M#//J[4K/*X@/8*VX1<?+^T\XD=>(B3`F"S`,Q?'T'"+?;
MT0H@]C<_[H]%1%<9C("B^7S%]>(EL[Q8P1QKNDTD6*?8^>V(<1)T%B@.Q9EE
M"3_S'6F(,-EB-*8"$!+;OJYI<MER8I#J]H^%"!)4Y&J]+\E?(:SGG465[I'/
M>:R^X5\=-MT[BDXQ=*2`+U.W$(W,S<%/,AM?ALO7<'`$D"L>(?:#JEZBJ,//
MRF)<86B]-#.">R>640_R>)8R-AT2MQ<.2CUK]ATK86TQK%WPY3[_`%2P'!HQ
MYVB#N'<.@P['#E2)D*68?DN/..2F4ZAI8BB,GPKO_?;#<_'D1?'K.<&6??5J
MG>UA^=20\4_;J_N>0'=6B3BO.:_H7X\-QH"API+S@2S1RK\5F8@NVXY*1`TJ
M.ALQY%R[O#M/C_NM6BX`ZV2Z%;@=Y#5FOQ3(VVPB''>BOUH+:IJ@!@C7Q3UN
M@0D,RV'H"=3'6DJ>TO;.LIE&A=;Z-YJ\YI/`N=0YJI+6B-`#$+_?>=&!,72'
M.-\'/#.:6&/6*#<Y;0DC8K+:H&R&V(,]#PAJ*^5:E-NKDC?A;;-WO)RX=\JQ
M`&YQ*'***&\B\BKW+K[%/U8F+K?*15:TKD]#FE?8M\#'L-A.2'/CB^V<0W#^
M%E2=:<W@RDGQ-1AGD-Y'CGN$)NM[VP+M]TYP#%E`_(3QD1U^%?O))[GMAKMV
MLA'G-`1S2V47EZX+Z5M#04>9.FK=93*;;TTD6BQ,8GM_EI7ZJ#%5H-8!UG&>
M-H4@(YLKBM@*!6]->))R]R>ERK+*C.S%6<!Y%P(-136'227G65::<BKD2FYC
M847'O_VF]O`NBV*7*LO+.HV5XWT^M6;H;PB20K358,6KE]?MK((#>)HT3`AU
M^/'FR""8C#L=##4[4=3C2%>QY21EKFN!KKVFS^1P+I/77.3MEZ[!&;)6IDE"
MYO(N*;RFC^/4:S@JDEXHF9`;C'[XVD:\X.;:FNHTN,PMN4I+[8TJ4Q(;=^A=
MZ**M-F'NW<KU#E_3/)"0"YJQRHK$K]#'5_B'D@,XF^-GL@F5=1A=,BP01+<A
M<\C'?)3VHS"(BU)BI"B^7H(];^T=GZO9J`/;E=``<X+^0U)(TAH7PZVM/]-K
MM/\`+KG<=Z%929&MME:'6:QS$7LVDB_]L25B27I"G)$2.XRH*)?/3_8<@'I'
MF'6.>QC8(2<4S`Y,,"!.8?LAGRD!["SXOB^CR;4W-D;D7`V:'=,;?&,BG']L
M2%>H[V+FJ;<1!2/^)N;XA](LO4.7GS=FM4R[O!>N=<I0>V$Z9J@%CE:IMY+@
M`$PO5M#Q"()/0^&E#SB8<-$I:/G0PTAQ*$TS)49M+@@P"@97]Z4%_0#:_P"L
M2F8+ZOI+^P08!6/7^>C.G4EVK$+$2J$E-AIMDK=J#J$[*5ZZTRW!;;2BL*,>
M@DPI)<6T!8NUPI<=^/-:VIA:-I<W@J="@#?AF!LYNU%K+TN\DX]P#V!TL&:B
M5$>-:Z+<>6@N.V_I8]4:O:GQR!>D@$(:&*?<%1)4J2\AG>UM)9%S4X':L_AK
M2[7889>=;K3#@M2>[2B$(5%K,(N63WUJW,6D+*MR0:['JGP=7%R0R&^;<!XB
M/'S'T./Q$J6&9G4@>'U>B5BZBKCU6\VHIT&H=CHMAM9&/2`,OZ;NH/EE0)NB
MQP*LC0<&6&A\L&MBT?`XG;S[OS:?VM.DAF,>4\'JG8^AVWI5GZ/>31VXUABO
M$O6#2HFX[JWN0RR<J`4;K"S\85(G\9@2(@?ZO8D:^1).,,:7*2ID,V%#]N7A
MQ2K2WT2L1^DGA.^H5\PS8Q,@50;'-CMDNZ]&[;%M5>9/UR;+!FJW9^L&(HPB
MSKY(2OHY#:M38B'E`I-&P@GGIV9RJP<VZ#<)EH?L$&^5MVQQ8[,(G&J%CG'(
M59@?-(1+V0.5RFSHD1\A)TXX0FQURG$^KNT:$YFN,?PLH`X(4%VWJM[.VN\!
MR5/5=B\FDAS\XCL=QW51G"1@NLCJ^[8J4)\=@K\9M,-QF6XU-?E,/(=VAL7-
M]!AYWZ=_*C4RP';#<^A%+?>>=WWE_2+0V_6!TF\U'J=CZ/<>@B20N-6OLT.$
M5MG0FR$)MAA.ACP$=IG>T:FIFAF9)G/"*E*YK<^>Q[)L8J^TRJTRP%`W/>7B
M!B6ZO?>@=`:LHBE0*DQ4A%REENBRE_<VHWU4>5&C365(EH4ZL,SJ6/U;A57[
M]QVL\]3T&P:KPYT"0@6J#*K5W_-4<0(F@];M3%K$V.KWF//BSW)6]S(S[>BS
M4>;K6W8Z,$3HZE>K\'Z"R(KL(1=;X**4Q+4JG'].UN=,"GX!'@9@,==A3:\X
M,*.#B7CN'4J.\SN/(:F36UI]'&ML"YF36F<FYK9?';7$:_TR7T&ILL3`Q2]#
M#U4,'YQ1%ID'B\B=-KP]-<8**.I>0\TU$:0UZ*1IM.T_@)5UKS*YN7@I3;,-
MCQ!'2^D4PBWS63QZ0>"?DV<2D<Y,#;:+LX1#=@JI<=%EGF+5ISZQMC3\5^!'
M6S[=?,EX52H5>5_3J$C3(B!S6\2:12RUEZM*OLL56N?1;T_1NF5FXCI]`8L2
MJ/+F6D?]XO,YR+-+.ND1+?Q;8>6O3WSAF+'K/Z?G'ZC'M0X#/)BA=@>Z,B`D
M6!I`PZ)$]-KO0`1D'.MD.L-V&X0`KW22,D1LN_+=@[TVC:W-?+MX,S(Z<_3E
MYL>DZ>(7NVE8(,JN;SRMVBN<SMU2HPZ>6Z85/@=UZP4F9$M\`U^UPS'VLON6
M]'81"TRM+D93C\&9EIP_#BD!S=3L-?M=M#$:;:V[0'0RW6GAR4KZCTWIA$(L
M<X!U';%3?VLE13>FOB<BPD1E-*2^S\BZ,QD._P#B32_(JUTRPW2RV>*-JC$:
M)*JL%FN3!!B-$M@"X(7&?.@RQ*I%)LROMPII`,]!(2Q3SD7;R4;UM(BE1$"%
M>!]*:>K1"T=,Z7=#=9LI4ZP5**I@W9(=+XY5^-AZL7@@*D,@RPE<BT0%88WH
MA$A5G%MS%N*:WN-@N9F%>_3XIJG[%*A=4Z(#>M`J53BR0(Z@#84KG1RIM4RY
MUZ0,34'1LBT78-$B:(6A37WUQ8N!_E_;&]K@9B;P?&&CA[/1;)4.KF*I,Y7'
MZ%30+H5GGSI=LYTDK8S4@%8SA"O3B1P6*=NFI$.M3=N#]SH@^<MA<EG3C@9L
M*&T5\IXSH5'N-!-N2F0]VJQ^I%'H*VFYS`^Q"I8B8_!=>:D,M366):E-+4A:
M4N:UO:=^GI@RL'4TP:\`>+3J];!,6U6XIJQ<SX-RETA/E56PLC2/C-9&#@&W
M.#)E=?#$K;9++71/YI:FLO0R?V..RJ.SZ.^\:S-%_6/C52UX]R>&/V/=$J[]
M0A475BJ46LT+<!R:Y&@,/"A(L=#J8S18J\EO8YN)J')U(5&VTI#NT[$KC4H]
MWP-HN^9%>;1+O9(#1L0D/..1:US=B0-;7U?H_7W2=-"QJ='KM&/C+-TV9]DG
M#(K#X'4.$Y$VEYE3C@N9UJ6]R[QN`\NOQF\0[A;K$AZ'=AM1KU@6$<'T<=TV
M^_M1Z)'@3QXB";/.V6])1*^8I)F.Q&&6V&5)3I:G!&ZE<'O$AV_=-ZQ;[UT&
MPZJ5IN3%IHM)!(KS4*O%7N+\PY85MLDE(K>SRCK\6I$8K4)<N2.;C2OJ-(^H
M7Z,BYJ+#B8>U^"_,K1,,IMO0[X^,-V^26I0;4ZJBOR:U:.L2.U],IU?GQZZT
M2-B^HE'2`LDB>Y+E-UJ2]#C+9_G/[#,T8VX?IY\UNOYI%%;_`-&9I%W-W2W6
MNCP_R9H67NUO%]0!-61<Z94IA5C5>#]1>:C0$._0/."X"Y#3WLDIDAG:-NN3
M\Z&\HH(&ABU#78X;1%UV4)JU:I<.=/+EIQHE/U6Z@-$5X>_-GD'''=L,)V\Z
MI3CFUNK6M0C=2Q<$&`,`8`P!@#`&`,`C%TM<"C5.P7`I'FRQ]<%RBTR,/^B^
MM>8B-[<<1'42FC1K2]ZU_P!.1(88;UZJ<<0C6U:#B:AH_4(\?W1/YA99Z3*K
M2JU#.,V2#S\P1"S#$^GD+Y#H`R8/W*^[WR15PTZ0B)$2_'7N(IM+^W'(Z7AK
M*S.-^;_*)+[PL?5NMD[/&^@'2:A`H$IVPLW,C<+S2V^<[0N<T+<NT>9S(_-?
M9;E+ALB1:YJI.H[L9;P965JKRC\4/ST7ZM4Q,25>X%;K!"^7*;0K2U8XO,+=
MSJ9TFIN"9"1#LER9>Z=4OJA\9.FOK&@[K,C:'HK;6!27`GT'SLY++"7<S)JO
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M<S0\,T+1N:RZ9689A_/,3`6PPK>Q%&JJ1T5YD7Q=DCU@WS*IQI=!NE1HG?)8
MZ\%Y,8,4Z3VI7$*`0Y>W(I\=VUCYI7:#!!!+[2Y"'*VPW]1)UZ;#*2RS^;]%
MIEROP&W`+%4A7.;;8*+(E'8#*9O0K#"$\/F`M\Y<B3G@RX)8MW`:.VHS)%[T
M\XAW\&-/N,AE9R4WS4I?5NH<=IO*!)RQU#HL0])-7^:!GPJX(GP.7B^F0*E"
M*_/\*[BR*L(]V;%<:VRVR^M+;RGF'FVPRT56=&T>:/CQ,^_P3=;N5J+<LNI*
M0>K@VD,7(Q3_`-G\$8?E]/?BA9Y5@>!KS9J'OYM.)*QI$E#:HB'/<E(96?DC
M]0_QT;>/L0)-UL"ZV=.#2FZW5'CB&:_68%R)6'H2E0)COT]&$Q>=G=K?>^*8
M[L:K3,5S<B']2&5EA<U\KZ;TF[P.=,U&_5FW$S?;8$.!8QH:-&=`\/Z*5YF9
MN+<V.=D(E`C]B&;;A(C)?FM;<3N4S';4VXX)EPJ=BU>2@FB]WD<BM->L#867
M4N8DPEU$A)A$'&M/0S?6Q$"L6<FA[3`N4<>YPRP)2AM?S2Y.VWUM?)']X4PJ
M5V.\]^.V6-";J@^[$29#94<\[NMHG5VHV)BTO4(&)N]D`E"H2#NQWA46!%5"
MD34K5+;6I3;:7EM"Y626I>8-)L/`^9]R9!7&T0.ERJC7JQ`Y_52)Q=SM-E`M
M%-NT1$MV%HM3-RVI;48R\ZS`?:BJ?0\J.IMYP,N-#KO^<G#T$QXB#NXFYM@J
M7-KK3XP*M_<YMR!]3L'/ZO6G0XAB=]\@.,FNH!6IGW6*.;83(=7I:T1):F`R
MLQ`/SPY7-DM1;/4>I4+23UU$ER5DJ;3M?JP^J=4O7(1EBLYT*3*01HRZ6V@3
M&AR$[>D:]4[?;:1K;F@RLQT#]1'Q\*UV59AC=^GCQPM1,ON/5FE,@E2K)3ZM
M6QAPPLJBM"2=P)7\0N`A^<AMN++4],7%;C3-QPRLV,ZOUH9RRG@[H9]@\7/L
M5;&$$$HA.3,C0C&UNRV6(H.,26HRS&:7II*]ZC?+KT6ZE/\`.P1*KH:S6CSV
MI**\`?I5.O\`*MIBV<_%%:[:Z83#+H=4N%XY*"7<[_[)6]U\-.K'6QY`<O2G
MG%_-ZOM-)C3=1Q<I%T>8?AKU.RTKH.ZN:NARISR+@>Y;H*S+7.:XWOG+K/2#
M)!N3(BU^K38?7@DN)(7I1*,S,?6N-'7%FI8%RR1/!OZAGCP;6K0!Z\6!IDL1
MCSY8.HOE(8FJC&JY)>Z48D1);B!E#=A6F*\V\][9ZD>_6XFEHVC!,K(J8_4*
MXK5+9:R-K%V`#3(@*D?E"W3:L[#*W^&1*=RE6>S5U4N6R@MS2M5SDSY-E]*D
M3']..:9BNNR(;;ZHRLL&#YO<X.6ZKT^K4KJEBF6?J\3ES$]FJL#!K,:4[V$;
MOHK+QDK`<(4"-8^''8#DEE&Y.]L(D-L.1G6770RLE%O\O>64R_V?EA"#<R70
M@"*TH94J^%A&C=U59IL.!&:JD&(74_[X#LU#DG9/0U&HR7'VE.LMN.)$46U7
MD5S`_44\<S4EH=7'[W934X'1"X6O!:;+>L9V;T!_F<<96(0.3)BDH-B$*[%7
M-DT$&X46$D@OW/[^CG:BBY6=D=YE<?Z:0<YZ0HG0)`._V2@<TJ\@Y7AL8#T7
M76.0,=7?1'3.-17QT:N4Z8\@K&G(CS?F:4W$9E+W[=!E:Q-OJA3:K0*\/J=*
MKXJL5L7J3]`&#1&H4)AR;+?GSI'Q-:U\LL@0E.R)#R]J=D2'5N.*4M:E;&>)
M)<`8!0,K^]*"_H!M?]8E,P7U?27]@@P#7/RI']()<@F-<F'/DKS&MW/"0IF+
M!!D)4=D7>0!`B1BLV%EX<U)&#X[C[;WII]A3>G&=I=2G>A5QQ/-.Y4+S8K9=
M@B'L/D8?5"J(JM?>';`R96Y62[WC!<.KS'Q58;@_/>8Y0G=(H:5&B)(,PX4F
M&-_G,PVUC7A[BPH-2\ZH3`BS3;IV*W68--,FWA##U)I]3N$L-T/QP!UH<_67
MX+RJ^#L?.G[O,>AOR7/BD/ONO+VY&@I:@\/H*U"5[S7LD^-:"07M2#[4XU!Y
MQ6KI(C$:&'FR[1XD7=U/0Q9V5-;,Q*V;'7=H8?FQXZ]?;EJ&-Q&=CT*%\-"9
MU`?YR/S8E@CR?(>17J?&KIJM56]E.>A;#>+DJS^/4/IM?O#R84AERJO-R+RD
M*I:D08\5;TF-I<=@2I%)X>XDW`P/EX1=[/<CH"V"KPOBO0*[Q$KTMN)J6.M)
M832K+7JX3E&"$TD4&A>FR"S3<L@TPT_'C[4VRS"W&:U`\OHJ0FM\K\U[`)%R
M2_2O(V-%:'BV84!HV/H98<W/">24ZS"+`DG8;>9L109=1E)0P7=G>JX,MEF*
ME$;4A2Z7P]Q`AL+S0ZH$>LU:;[(5MM5N_8]V.9;R5!:KPOI55.]SY\#7P6/(
MF?:Q&J[5'Y@9[YVFX?WIP:I_Y5-/OI@\)WBY;S@EFSG-:/9.I:#LC8_86PEF
M,!B/:JYQ_787>:Q:`?6+-P;$U:;?RJ81L8QW91HT[(!_&F5HDA:=4>'B;9>)
M%?\`+07UBU.]^O5QL5<BT05`":+5!`>MVEAP'S15;LB%,W(S#JEY$SH=D9-C
M&X>I4N7/6[)DNL1QWJ,O+3`U(Y_SKS?JH/DM-ISW<^=<\!2*J+MZ;8W7;P>!
M]6ARB^Y$^L!ZY=Q.YGCI]EW!95$<E*&IE*]SL/>D2'$PU6/.E2RX_/O.@=9.
M.A';_P!AC4<C'YX=OME(21E[L@SJ9<;SQRXBB+(4_4UQN9IB#['#<:VF4(%S
M9B9*(ZG-15MTE8XD*"^/WD/SZN5"$+>\@*A^6.,JI%>*4LNS<Y8NP2N(<"5+
M7=*Z-M0"?>=,66L68/$G/253QCFV]#GXZM0W-0M4^SB;3=%J'DOT6-XY2!S_
M`%KE##'/*([U&L4KI(QZ2*M)OL'CX+NX>S6R4EPE;)U>X[)NOQS4;_%:79;>
M_KTPEHK(LJJ:[AJ[YZ6>^TFK6)/:ZC3W!W/JMU&RCKD(2Z7"!CO&GGK@*L;5
MF<CUVR6`'NU1RS`(-%GM):==D3G7GQ^F87PT[R*R[+YHU^2&.=G5U^A<X'U*
MD"NW3Q5YIPDL84$&\^1`L/.K29O4"N![A9S+Q)\V.#01:VH,>:V]+FR%Q4(H
M\/+B=7EH'SXZ;609FQ=#[5`@6FKTLTIP"Z&`/E:Q+X9-/T(]!N&S3XD58M7=
MEB):!X\/`?G$IJER5JB-Q]J!Y422TTG]0V$1)@Z[>.O1A`RD6MSG1M6P%L-G
M+D1YW((V87<BJCX@*,^NM19IJLSB8^?$$28:VHK33:$)=#P]QM!QOEO7@?9>
MKM7@QW(E7BO-K=1>=V,[T.43!I"B^H7.:&ERW(I?WP;^X`M<%0XL[%U/7!86
MA3WNC>W!EM4[RO?%>M^3U;N7*0]IC]VC5@'0`0>RZZ=9`QRHII(KA5*%,CI"
MW318[.[.GR-AF7WIRMN//@%;VY)7#7`;2+*GR^780ZJ4SS7YPJCVT@?\@K^W
M!.<IE]'K96V4^RR2%4_)'"+)U1@&#6L;&<,;Z+NV1T-QG4+^ET]$B:U&W&1@
MKRO#`I/?&_,[[%-N$:N]K#]=NHF632A%EILT*"LK,SG\F6>.`7C92C0>A,Q&
MUI'DVX\A>UCW4MNZ2A/R!6->XFG:>>>;!67?>5UQCR`G4>(([(#K=S@=(0Z9
MN]$+4CJA>M(DV1JY5[\O6X1T!BOP!S[T&6=G,26DZF0X+<M+D"<>.!W[+4_.
MATM8!M'1VVM-%^AG9%,G"2M!%5D;P<]?^FR;5(M4:4^\\YW:6@F%F0)LJ/)(
M_!\*_EWM)9"P67N,G8J5YE&ND5VCS*YT\QS>M7UX9*+V&RC[('N?+:QW65;>
M=6XW.EVZ)$B7,**!C&-^@B2?GQ(WU<N<E$C<95Q"RT[RZ.QP/(%SJ/0E*A^3
M,NG.WJJ/1W.*V*N#Q;WC\GFK#*AO/8[YP6[`ZXQY`Z2^:<DH;)/5O3NF)"X2
MM,:$5*<JE%/1_-(68YX$M%F[9-[9<HO2;'#$UJQ5%?,1-@I9?Q7!5@Q<A<1R
M'#9Y%&_,-G448C:>^L5.?W\2W/MVF8/#Z/\`>2D"$\TTLD2\J+WXFS6.?V<P
M7J9^]U,$_>/(9%+E#K/#JY<+*F2V.,2#,Z/*JL5ER''U.BN?&AEK>M*H>7N(
M+!Y[YL?;Y=B%1NP3>FS:?)B58A<BP9VOC!=2LWF/`JTANNV^XW0=5>F2JI::
M*N-+FR91-_ZA'W"8YML@E(M8]U/]QVY5+\WYL:ZG!%P\FZE46SHL)RJ(6E5B
MY7P3R0N![@[925RJ#=@'D[1>6K4BNM,OOE$GH`A<%45]N:F7M05CW5/4_AQ^
MW6#F53>OM$L7.KA`!@1MAKEE.QK3*;+,UX1(GO1;2R0(2+)#3+E+8W-E;:EO
MR&'=N(]?YZQA\2VL$&`,`8`P!@#`&`,`@?3><5OK-*+4.V)(?9BSX6=M\3/>
M&%(!6M'AEHKI<=-9]WQ30UA"Q9;6EI<96MG2'6W&E+;4"=#1TI^G337QG3@X
MR]76,,LP<0+H`R?:K20@4@C'I;E,+WF4A9E$@QT>;`,%T,&-.-/1FB'X)VXR
MTX@;S/F30AQ3Q?!<ZL-D_-EP@1H%[%CB_4@=OM4SHC/7JYU._!/KH1,4S-*2
MK\3Z/U8V&D,QHCJ9FB'T*6-L)::2)5F;K/AKXNDP<<U4`LZ0!M58%0-$A-SL
M<B+9:M!ISU+I+<F6X2>62AT^E$I,$(XI6UPHTV1[%;4^XI09F2>W>&_$[DI4
MF=!M(TJDZ9LT(V"MQH:5%'+`<#'B\\:^E]UEAV5("-M:]S:],LN.:;TA>TK2
M)F:,'6_$O@(FR#BU2G6@>:Y.:KL=MF%<I\Y->V+YKRNO/5@@P4T1VH9:Z1SN
MI22;3NU/271\>4AQMUQY3HKDS+^/G"Z/1[7;NPT>:((5OI7-.%4OGSHEPK+U
MKE?+ZH2_*)(@3*SI/W(X=W;7OFDLML)>'0QZ7/D<9VK0C;X,[03@O&IEYLTF
M6?MU[OX6\<^Z%8%VV\'3LX/(K+=P*<EK[D)Q]@>Q2ZE.M1,F)'):^))%?U;N
MW9"$KT+5T[C%L>,_->J5:BSK_?>@=P#0^;K!#I9Z[$&ZS89=DJ9NK%NI-A@"
MQD%N\&JQ:R$=B>VKT@,2][B)9=2EW09FN&!DA/A[QX21I1="KS.*5$HH\2G$
MKU893W23K=T<Z2*,=53]4VS>)M<Z([LR,^H3IN!+UI+*$Q]:8P3,SENWB#QC
MH)RWV*RP;)(*7`IJPNN1[,2CL5^T(B<RCM6BK1DJVP),LO\`'*Y)2K:7&?J1
MVE;;WIZ0ET7,T92M^+O,ZOT@+U.!)N;UE!PMHCQ9EO*KK,L\_2`O."=V(5:.
MN,#E7(Q2ZW`@R)?PI1[(VEMMMN./+<$JZ4-9;_\`IVU1=4;J?&K&;HNS*EUF
MQV@O=+X1/!.72`XZOOT:HL##(^#+K[841%9T-(>YB2]%8DR'7'D.[D#69\R_
M(_AIQ".-/A-#;"X`.R.EN-`U62>T.K\7KE?/5R]"JZF+]/)@BR4*S3ELM..O
M;A.O:^G4TVTRVV,YF=:U>(-(.^DH+<^DU(L+LW4KU2I@NSN28M!O_78MCBV>
MYUD=-8<2P6B;N1AZ`VZXY$C/D7%;:7IN.ED*DDZ?XJ\E[#;I%MOC-L)[(U49
M3SM9C7.PC*;9!0%%YU7'SE=@38\647KCW1BS\.6C;;[<A]MQ2EJC1MM`FT1^
ML^&'$:P/GP68MN+R"\\(5,&#MR-3RY0E7[D.O@R7(D(?CLL;8L(F.K34=MEC
M3#>F4HTU_-P,S,><\/*2WSFD\IYN?MG,J93NI5[HX^-6;(9C$*\@*&ECY`>A
MS]2]JJ,0H0?W->8:2N$N1)E[VQZ25ZP7-C5G+5?"#@%*M$.T5L+91RA3H"0%
M`)N!]VLAIE>)<O+,SH(EZ6YIR:0G\:KRY;DA;ZG=0E)U[4R)&G1,S9GO[(G$
MWMV1)`,:,1;4=V<)CRMC*RQZ?=TVR=?6'BQOG0ED"Y?+>3E*C;VI.VIBX_K\
M"6VT.XN9G"*\1^8!*41HXPI?8L0C1WN;*-_FIQZQ1J,\9;,:KC$Z1#=C/1$)
M;^C4Y(8?D/PE+;?<=4M:U!F=:F6A>,U'5S-ODMD)66U4H99&"]5&SS$R,JH`
M@L5D53:6&EQ'D3=@*F"B-1FOG==?E+TM]]:W75[P2KK4CQKPRX@;-#SKT*VP
M944I5R1*.*NA\?`M+%,C\O:K8.UPV)>FS=>&R>.@9.HB_1MQYA_3GN:F2VW@
MS,AK7@KS2(7YU"@'KK'YIS\%=`K-`_-!1,0J-L5CY"<"TXM+8<8<+\YK['*6
M8^ADW4EZ0AW27)"F]O(>%S/TDV$>&_$@P.168X^R.U_[==P0@5(LQ'<>M5F_
M.U9XU6`+C&V)3`:,NG0=0M/N2'XB$*0AWV;]NA,S,+KP<X@@HDY'<O\`',P#
M@8M52&[R7FJHD`$[?E0ZE2H9/<X8#ISD;IYN.Y!TPXE3,MO6E:5$AJCBYF3:
M/XK\D@E@)X5#L0<S6K&)LX@B.LY9M^/.%7+J%V5&6EYY]A\:5(=EL<:8PM"D
MO0"&V/5.FF5-B5?`JKI'A54"4^Y7OFKY`-U*Q6!RT!2)V[WF'7J?8"UD#6:T
M'JM'K1"-."&#I,0EY]S7SI=0XY$VE,-U3215)\'P,]R3PHY5RD)6!\>78BT\
M.'X_HT\HM,B"+'>..CZ-"$=$>%K?FS(AXQOG@W<UOZUV/(2TKY$+==?>=!R;
M,G+\,N.R!V@;+EVA5EPARTJ1JD>WDU5TU/X[&A1:4^6B/[=E.[80&&[D[9?8
M7)4+C*VK2M.;<$S,V(H]=G5&G5>KD[,:NA,`!%B2-OLCC+AZSSX,-IB:?+JC
M-LQ4SRTE"GW$-(0TA2_:A.DZUK0A*<`8!0,K^]*"_H!M?]8E,P7U?27]@@P"
MH^SWLSSZN58L#8@/RC77.+426@BR^^R@-T+JE2I1U]A,>1&6B?'$'7EQE[VI
M"'TI4M"TZVG8J-"+QYR7+G?8;+%(UTG9^?`TVJF5P$(;`"RMMZBOK-HK,`=/
M0B)9#40-7*?SX@]&G,.M?6O.J2_#]ZV-,C2C5=YNSU3J18/XR7_M%.&DQQP?
MQ&Q],JX:R"-0S4,FQ2)=G#"CH(@_&3#*LR4MLR8K[K>FGM*0XI.M;WH92QIW
MFM:_U!ZV.N/Y#L?+;4`L("):'.FO/&`\RM<VD!I72H@:49MD5.P:JN:=Y;.^
MH+/.PV!FI433J5*<=TP+E*CLGG]T<D//%^?<ZC-QG*W8@DN!8R2!Y'FMWH].
M\SS]EL+3$X5%?OHJ80\=1R8D-YH2M45U:U_&XY\:1<J^7H-S^<^0^K!QJ\=&
MO5;1S\YRI)0??@ART5M0N(7$U`%<VW&;=#D[`)'%0MDA+V\K:$Q7WEM*TKXO
M<L9ICAP-=4?J.UV.-E'S'&[X/K5?$F/SH8;)@5NA+>,E]V@1ZH+!$W0I\R@G
M+X$2TW-?C#T-()0%.MH]TK40:R]YL/PKJUXM5!ZS:;Y1I0:P4?I?3@S?/JRL
M18#"8-73'FQ!`V:*?CC;*:-*>4XP[ZQUON24)=2VYI>M#+2-:)'ZC5'KP>3T
M(]R"P0:JQ3Q!.[VVOG*J<G`[5-!=6/@^9D0^G!=FDV40GF1`>4;DQXWV0O.:
MBN(WZ3'8TJ7+R)/#\X9UM"3I@?E]KI;=3E\^C=*/678E3%1G7CL;W-04`*!,
MRZR3N(2S10LR:V:3J#%C#),:2A,A[Y8K5&4BRO/"TV:SB&.:\XA'V(]C:II<
M"1MD,>+/MVWI?BM7Z;T*JWI(>2P2"MU#N\A_X6HBH\N4G7PR7H[;<AT7)VFX
M'"N\A>\#[,2`5\T%CU`F/JY_1AR`IR#>DB(I*W4Q:(4F1_\`2E%E3FH<Y7X-
M[DJ4EO>](WO!EJAKA,\^APLQ*&%^,W6#'^^7C8LEJPT^4R0Y[RXAV2#T7H3S
M#!/<B`@&CBL]^**5I<\@R0A:1I#BI3<47*0^Z>>%M<AKJ]6X^<KG2P=DY;)Z
M'$-6"G%Q5%Y]>KUQ6)".(F1B&HMJGV&I]80G<2'O3P^1&E[VISXHOUHN5=I<
M87S$;NMCK=-YWRL_9+4>H87J$N&4LM;K(T'0R=+H-KDE9I22].7*(09O3!0[
M4.,PZMUU3SOO0TTE3@CC3%G8X1Y#(\B?M5,Z/R2!3#)/C7,^ORJ_8S(VRB[`
MW<Q8<X\_18TT1$_.=2J,LO%AS##:$?1E]_2O,-*W'=D`U3%$C[;Y2".'W075
M#M+.S().FRK5$LNYL`2+,D63L<*FDU!9#VLV>YPX[BB4^`AYA^(*TF4A+[?S
M?`(E4IZ^>9%M(HO(OC7+21HES/K7/.:VLL9L-6%PWK!8/*$?Q;\I"(4V2Z^]
MNVUZ!-EZ*NZ:CB&YT97MD/MR&&1<O;\L"[9ODN*9\>@W=HU:<1)/:@CQM#,'
MH`TI+ML@ZY7)=3@$84<RDR39+1)*(R8$>6[.0S[F6MZ5_-#+C0_.#>30COZK
M=]@J1>LJ!5Z@V@$)M\Z&+M-GK_0:C'M(:R-UYM$A<&HS'9"H,,JAZ5%F2XDM
MM.T.176]"-4-;A?ZA1")R5CI-\XE(KLR)0^:7$N%&=#`G-%)5ZH)7J14#0F6
M!Z#]H(5;GPA9![3D"(SO:_:IUMAF3*9&LN-$S.EOU%*1`L%=JX_E_1CITH7D
MASHH3%BD2-:F@+:0J]X%.P16R4DG8ZJQL42^B93I,L>:CN)>1Z;UL3*20SY2
M'J!X^<+Z]:!TFUF+B#E$+`!JP\/%7:"4?G-HLK8T7-,'!8ZM)E%!36VWU[D-
M_AIM>D(6IYL*>*AV*YYM#"MO@4L[S*PU$K(*"*LXDN="J24N#_>'N`VN#1%H
MTB/?:_SZT1_G,$(CB'8;$B+IV*A4IO`R]Y&Y'Z@-?8K$FZ*Y@?:KD:Q58(RF
M19ZVJRG(9*A5GHUP,UJJ#'"A4E#Y^`N0U,U;^HD93[RM*?::2AUP,IDJSYQJ
MM=A"T\;Q6T,6FTRE&ZS`(6ZGLPIO*81&]C#71R)*-,F)%NCW^=3OC"Z;?(/_
M`%,/?\Q+DE4,,N%>1</C%Y&!/)^F3NA!*/::>/C$(<4&_:1RV-V"MV*M5RY@
MS@:>J,RQ(8F"CD=J>PRIU$(G&?C_`"O:90\X(U3`H@[^H73P!:^0E<[L)P3S
M]5K/%K/6#P`H`E<UI]1Z=:BMU$393@UH[,TYR8H/2-';F_\`?G(Z-R?3<G<4
M7*RQI'EW#B>/*NYS>=G!)75B,52+S@_/6%,GC8(H5B2F:?+E!MS+7&)B@L@B
M-7$@*7,AHVXI#2$/+:#+C0J*L>>6_>08,4DP9_,<\K-Y3(6\(J/YX78^FCZ#
MSGFM;^YON#C5K$*.0'[2_P#5-_8X,QB6IM]E:U-"N)N]RCH2.H4B%;=@I]8G
M:,V^K'JX2E09\D%:^?W$]0;>*T1&//CRD2#:*S+;CRV5:1*CI0[I*/?[$C+5
M"QL$&`,`8`P!@#`&`,`ISR`!W6R\>NP#GHP89M)>%`@,"RTUT>Q.$2#0U%IC
MPY2)XMA!URJ[F_;4RI#,!PC\"):M15/8*L&><0SQ#\F6>>HFO6`JWU+\M,4Y
MUQ_M=M7MWG<7EEI$R*`B;`7'`C91RU*%L.%(D)N3'>;1.0[ZQD:P:S+T%ZU?
MQ?.3?&>N\L/4@;6Y4+RK$]KB4M^]DSZ:S38GEVQV9J"];8C^GRAR!S_;FOI]
M.OQD3-ZBMNN-(;>V%<:]W^PI:+XK>3X0!]]5-9MM\)UX73+M%-=4M16+8*$U
MQ;@55-!A4`H5@5S\P?GRIVDD/<D;B1WB4EM^:]MB9+0H,R,.)\0?*F-1H\QR
MSST=,^P0ZA,=D=NN>D2^;P>/R`\KGR28U+0T+(L-VB1F'#$&`B=$=4DBVO:V
M$HW"YHU[B4V7@'DZ0L]&>I-6CT>@#NI\_NP*ON]4>G6?E82OA?'4+8ZM(GJ)
M%`TRKE@U/N#3T8:F=)G39K:%/,1)DM>Q*KTDZZ7PGR,ET;PVI%"8"0E\C!<P
MC76R#;6X**5BS4XGR>,5?C+D+;AGJ;-I@:QQGV68;T^<^Y%C>Z-#DS5Y0FL:
ME2\Q\3?)6NDX,U,?\FO6"Z\LK7:"3G;+)92/1:&*JPI?9NF#GMMOO#+1<KQ1
MX/VJ+MQA]H>:(/.?2ONO,*%S(^8/C-Y00V78]F`$NE5UT5QF=TJO%.Y$@EEZ
M=8JKRT]1R55I%X%DHD@%S*NVV:,M*XA5N),?-093C3\EJ4EIL2JY%A57QK\A
M:8<X]:B)&?TB_A>K(.=#,'NE%I_/RU4US[G=4+G)@(L0AF(UQC+!%W:NH:QN
M'$G3Y.R$139.2^R%5CV'ID(D$)@D7++#4ARLH="D$Q"9K1)(H@_&:=FC4D6&
MV69Z8,E2FM/(0E+OM]VM:UOTP8,C@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`H&5_>E!?T`VO^L2F8+ZOI+^P08!`>G4GGW0:27K?4A@HK2%*'F2[
M)F8Z-@0W*T3AV(88648E07Q;P0H+9EM24/-+8<92O2M>GK@J;7`U!L,[PVU=
ME\)<Y^/,V`E9N:TW:@;49#RK+=H5L[$!7&LZ;&.L3)$&`K4VS32+#FGD,R6]
MLO/R9/P*%\7$V2$5WC@>@V"J.'`9NBW55RLAQNS6R.>'F`_0+!.<,MJFD9[S
M:ZGJ4<T,B-(5]+'C:9BH_P"BG6Q,:D#/<_\`%ZS]:FT(Q3*J5Z*6H=^L-F@,
MM.?`0J!\B-&VR+>F(,QJ$1T5EW_4B+&*-.[3N7(DQ=(5MQ>PJZ=Q"J/2?""Z
MMD*)2`/-#PT-`%7UV2-)-$(!R&>=Z:E^Q,V9!5^1:M/O7*T-F7G)$C2U&9;<
MS:_JEZ4XEK+B;"HIW&C@"[4=D32"E?O*6'+Y78[HZ5%/?F6N#P\)\S%8>6M3
MABL!XS<9S?M4['CMJ:WZ(TK0F)3A^C>(7**M]L*U#G4:NSSE2#$Q[K$,ZMZ9
MTZR6.L!S%GU/E3)<B`;+]?,N3"4Y2TN(+S7WG%?(XK8OB9;M-Y_QSE=/8HE.
M&5NIU.XD2KT<8P54WNV&K4RY++S&R,P@Z4/G#K7O>=D:?>E/_BYM6]_SL$JV
M:G<?X=X/6PX7Z;3HE&L:+15J335U"PSH,]VM;N-6MUB9'V`$6G22DB\=&K/7
M"$F2LSJ25D,$9'L7[9$C2Q6Y<"]&>'>+CTX%[J[1RA.N`'PP_9*R/G"$BN5Z
MQN6I40ZHF;FR;3`JUGE.3&-D_K-"Y+[BFML[=7[A*R(8.Y9X5@-N<_KU7YVN
M4?BUH_+$5F6^5,Q@)\D%>J%LE311"47`5))/B@QD82^9B!#57HC$=QM,=EO0
MM9%R<<YY4.0C3E1$G!A*R7*]=*ZS:'T-"!)(]9;Q;Y1^SE_L8U2=-QATLQ'A
M>_6EK2AMGYG%O+VM8C=2A>=T'Q3YET2V4,>)%G^BO%K#U"[VDF)V:C"E](*=
M],R6+$;;1(K]5AQ8!"V178K_`-(RIN?M3R5R)VUNBMR:J=Z-QKP?B#V60].Y
M@;UQ^U1R[0L#)W:#H:X+@4N]B(<@;`($3)THV-KM=(C!TA,K3+(T:N*RE,6+
M\85D=_DW&_#TV%#W3F5!I@YD/>Y]D@$(;DD6=#7$!#:KDN-+=2223APHX"L1
MH_VAY>A^Q4&*C<;Z=AA*`;ES.D`YGXBI.AB5)>%BU<JD0HR+#6;<7W4ZTUSV
MS,"/V:D["X4F5X'$@6N-`5-KR'HKDIT9!^=IQJ(PA`5E])=-WY%Q#KUA=5>Z
MW6;R?!UZ>!>&$R#I%08/9HA87(>6`00^D&D9L"?.C1R/TZ)S3+S[;#Z$K<UL
M2K1452YOX<P>E0Z34:G1(MXHM9"V&$@=*5MJ1!<Z?=[A#7(D))K8MMDK74:F
M7,/;F:ESA,]]R2I32Y:U."MRI5\&6J2H?`+?107-Y8ZADJ+,EN'ZJ!@%8<>*
MN<+(S3SYFKR14^/-:E0IVI3SLB$ZE24[>TM7L4YK8F->\Q=9K/CQQ(:<O5)&
MU&OQI=4U`<EUZ<DD],J?)0I)QFK52']?+2T(J(Z'*4D6,2W'9=^5:FM.*6K8
M8O!D<%^.WBGT*A1:Q!YI2C--W]K,*KV]/;<&_=:M,BP!A2,B=]P&Q)%)M;\%
M0MY28RA$O<3;.XJM-8%9<2PY/CUQ641V8_9S789A?0%]3=+B6'PA:3?WPH2M
MS;)+)AY$&=,EE0%:'PYK;KBV)T:$RW(;<2VG6@JS/$N0\P,5H!32E%K<ZJU9
MO;5<`R1S+@P*WL=*$;0/C;U[(Z=C)KS'IK_[FXK7\F\"K(4=\7>`V8B5+'.8
M@"!$P@GJ5*<<)M+CR35P;Z`8*ATQY[3=?/%+HPV2D$8"8T]Z4TVM3V_C1[0J
MSKR?%#QPEUL!3W>.TI%8J\B-)!!(PW<*#`^DK8&H-1=-0W6-R!:JU5AD-V&]
MMR(\R.C:<;5MAK:0S,S)/QRX<7T%W-YI6?FKDL#.`3(D9X:0#2:U/M1(,H:2
M&OQ)\-N-*O1G2VT.:;D-%933R7&GW$*"K.>C<%YMS6Q,6"C"R%<;B`3=>@5J
M$<+KIPV%82P,N36+K,F6^-&.;=K<%B.AA+<>#$CZ8C-LMJ6E05;,8%\8O'ZO
MRK!-$\DI<=^TI*LGOD%IF,D()N)8X!,0J+.7)BQP,F#;RK7V]I#<)#9&0E#2
M=/+]0JS)E?'WCQWG8OE)RDPS5#"3/N`H(7(G";L&;O<]*Y#!J:3?/I<?BEI4
M5WUE;^6%)=BK]T=Q;2@JZUYF$E^*_CS/]J)?)JH]':!$J[%@*C2="QXXMZZG
M.BQ*)21@HRXC?L02C--$66_YC;Z$_A@9F6U3Z?6*!6A-/IH6%7JT#CKC#!(]
MM2(\=+K[LN2ZM;BG'Y4R=-D.2),AY;C\F0ZMUU:W%J5L3B27`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@%`RO[TH+^@&U_P!8E,P7U?27]@@P"D/(7F!3KG-'JF%<KZB46V\\N485
M<&),JFV=7/[Y7;LJI6YB(Q*D[KUF2!W#?<2Q)^#Y=.[8D:1MAP5.C-%4_IOR
M95!/5:79J$)/V%N4ZFTUZE_%,J<DAXY]?XXW&JCLA:",874#738VPJ=R&W8X
M46VQI3;NT[0-9\2.E/TU2)"H2V8SE$%V"4[S^9-KB#1XB$,-@K=Y`G[I5'[Q
M+IZ"@:GV1[M,8K$BQ0.XL`P);5J,K6D/I#/B;'>/_B:;XSV$I<I"N<RJO'IW
M1:H',#QQN5UFUQ^A]#K5^BL]-M1?:_O\?GT4*L(,<<=E/R(26WE[85M;&A&Z
MHH"?^FX0*T2?6W7^/A#BZVU0(18)49"67J-"I/D12]P9GMAP),9JT?MEB3R8
M]O;D3;[$E&UO^YMS8N;$G$CPKZ*#Z!,O="F<9%OU6]V>YT9IP+8`LR_1[MU0
M7T'\O]>(!8SKC$'D@6$X"JBH29VD05:3M$1OW,X&9<#7.@^#ERUUFE<[L59I
M]@JG,A---W;JISFYF`W=YH*V>(=C1SED@>2\/N573&X<3;$)CNS6QL=N,S-3
M&<93J:*Y85^7,V>N_AMT\YS'QAYB$O-)9%<3^P:L2YHJ;#<=G5>[<^L]?.5*
M=#'334=`H-49PQ`G4H=#=V19DO..)@-1G1E256RLG_TYK&L_3I4@O0IP($;H
MI0\P+>+THY89`SE?'.>&3;QD=63DML[42'&6IX%U#C<E]H_.85*@;1\TD7,2
M37Z>YD'6PBJ(<Y56.BUWGE&J`VY)YR/E:U/KG-^_52S//PY,.0Q)&7*Q=F1.
ME-/MR$.[;?<D-R'%(3L,WT&,I_Z=QJ+&0'N,[G$D)8(<V);W14<Q,LL$4[T[
MR7N,:K`[!/$P7RPY`+R%:9^J?3"TU/!-NM1$MOI1&#-V$PX9X.7+F_;J-VKH
M%T"="M,>K-E+T?@2BU9=UV`A`Z=$N9FNU[0DG]TI=M7T^0M$"65B-CUQFW%,
MRWDL.1@<JJA5SOZ<=QDS+`HI)Y$6%J%Z`L1H'YLI]BZ8W#_M'2(5PZ=<!HPI
M*A7>20[A"?>>9B%6_F%OK<^I:E_3-!F)Y%\#[H2EG"=S-<>+V0I1;1"7<15!
MCA",WHUTX'Q;CQ6UK"#A<,4!0*G<MFR8CD%:7=PS;C"&XR4*TZ&8@,_]/GL;
M,6TRZQ8^'`3L]B_5D:U""VP>$L8?H0CR:$S>@WQ$!E$V7T@2SY"MZTVUMUJ:
MD2]I4QC4Y"8(9E\O03<AX(W&.?4?#,<(,0@%MN%B#T2UUHG^2>C,W*Q6$\YK
MJ<""*>:U/K[UO>=B.-,$=+EAX+V_CVM6HX9EWEE</\)7./2_J6[>->*3N:=1
MY_8KP%"J$WFPR;H,X,)K-F(E5.OO2B-58Y-.6SJ0\_MA1!O32O33NUB.52L!
M_@7=VZ^$>ARN#T#HM+I/)*+2K72^?N$AX[]EQ/KCY&W;%&8,-V)+Z/'Z)%<+
MB/FDQG]QG8\F3-:5I>Q<R[R,`OTX+2W7+0DT>YK%MQER'^72,,84/.TB`]?>
MC6ZQAP]EG#`9-,4_"O*8TK<.(-9D[0XE4=+*DMZ!R1WROZ;Q)5X'FPQZGPJA
M$&.C1-1$MS:<+H<^-1><"X-JK(T*"G,SI9BW4R2Z9'MO!VB,)]KYY#__`'B.
M^&?`V>\:^#=*X26N,!9'G^^>VJSZ.Z`"_O,\W!G+#3%G[-'L!`2/(NRKO;)*
M)3PB:\0B!&FW$0)6V7D18HC=?G-R<&1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`4#*_O2@OZ`;7_6)3,%]7TE_8(,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`-?/*F]VCFG`NA76E
MRID*T"(H-H3*&AQM@*L/&+2#!O+#A#+C0@J:U%).?1L2E:CN2OCTY_,]<]/9
M]-9U>Y6M/J$G9DW6K<5A%O%K%*JQ:QIP//W2_=TN@N7[+I<66F"?&26">#='
MA7F:R5SRK[K74QN>W3DH4UTF++&B6"-GOX?G;IA\^$[AT^O_`)Q%5JO7\%4#
M,?BG'4R2FQ\LA#592.HC#;,-#LECUKNS;==KJ=/>E'2M-TC!SI1V;<LKE*#D
MO-NTC51>2-6W*B?EV]VU]O\`]>]9C+4II5<U"M5=FLR2FHOR[=94;6=T22JU
MT:WYQG;ET?E)872$C>.]%8,54$Q,M0[=R*V>7T_QRHGYALE:_+FW*Q!J3_3I
MB8K4<G-259<TX]J,I<76]W>GK>GTMZ$[E==:I)TB\JCY=^>6,LWB<O+56XK*
M\%7$S;WVY>U-J<(4T=RL562S.3G9C5QIX5'.Z4D\W.F!(:]YE=!Z91V;_P`O
MY=1T5]'0?'+GTUR[=-*1BBC':"'(9Q]J&)KM!+,_:P=2ZS&V/(NS$JGS6U*^
MC3&TVM_BN[%IM)J/9M7>N>;Y5^:R6U2EI74L936+E;>:-,%ZU:TY;6\W]58]
MHTMJ'E^99@\TW6MSRVZ)1>"5Q4E7%XY:<;('^5,B1R"Z7XO3(%4OE5Z.CE_[
M);`7NJK%&MY4@":J=8L#0'EQRP)M%F#6.&1BL`Q)\?,B2X[T.=*BO:E)ZD]F
M2UUO36[CGIIVO,\Q*.7*D\THUN)98N+BW.4))IJ45)4.S#=<VDG?G!0OQN^7
MY;<JYFUEBZ0;S---**DFFFI-.I2]<_4(GVIBOSQ7&6V1M]31`7/7B714QYA#
MH%YKOCF<8$6Z&Q29**I4AKWD9$CNE6G2,Q6Q,A6AWJ\PA7H7>F8V7*,]1X[6
M=SI#!0A*^JQ>?Q2?D-Y6HKQ+Q8,Z-KJ&5U1E&S2-S(H5GQG*-ETEX?#%><EF
MQ?A?AQ1VW^X]O1P/BW82YA`.LQNF7;^T<=J$*J7,Y5:.%N]QK0N0$9*CQXD[
M1016#"C'IL&#H[H0G<N(QIY+NM96W[?_`%+4:&$<UUVH>0I.45*;A&33HVU.
M2;<$WDS>%NE#3UVN6@L:V;RVE=EYSBHR<8J4HIJJ2<8M)2:6;+BE6ISUWSKN
M=R<=_*GCC8ID69,Z'+JTPU8CM7CVNL\^!W,A*T#>-<VCQC=VF%:@W#<'C'"`
MJ)]VB+V6<5I]IJ7>G;%A?QM5%-*"DE%2RRFX+&D\()2KFEED\LO`L&[#?;]W
M_M::33SN+<FLT8*3PK#&58TRJJ69>+BEE*UYIO\`0+Q61/,JM&LL+JDD+!Y8
M[8;E`K=-,5N%+[Y+L'0U&QM.L=C8DEQ?'):8`Q+$U$M+<=Q*HK>Y<A.+NPK3
M:><]7-PE93=S+%RDI/R:0HY1C@[JK*JIBL7E1JUO?M%^,--'-&ZTK=9)1:7F
MUG51;Q5MT5'7!X8LX^9^<Y?HKW/BDKAUEH_.^B7D76A'3K<_<AU3^V6R,/10
M&M2I',8^G;I;CQ#0MN/I6JPDBE$5JP2)4F(P^U?3T-*KL(ZB%S56K;D[<<KE
M6-<__D^Q%+-7_N9<7;24FKIM\GJ';G*Q*&GNS24Y.66DJ9/4^U)O+3[&:B\Q
MMI/T)SYD^@&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"@97]Z4%_0
M#:_ZQ*9@OJ^DO[!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!CBP<2>@/"C@P>9&2%1UR!Q2''GP7U
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MQ0D\LY]JDV$PY83U3_*`'\O&3[LR,04;)B/H/HIQ?4V$PZF2XA3R%L-[2K7Q
MH]N?ZAKO.CJ?.N^T1CE4LSS)4I1.M4J-X<,7VE]BT;LO3^5;\B3JXY51O!U:
MIB\%CW+L/MSC'('0CE:7RSG>ZZZ.>$+!)IE=0(V*D"`8!X<D<@<F(B$X"K(V
M'MK2-(^E'QFO3V,-:26OURN>;YUWS:UKFE6M7*M:UK64G\\F^;+[%H\GE>5;
M\NE*952E$J4IV1BOF27)'S(XKQZ6"J-6D\KYV_6:`4CFZ-77*;7E`Z@8B.NO
MQ2=:$['_`$`6='D/K<0Y';;6EQ6UZW[OQPM?KHW)WE>N^;=5)RS2K)/E)UJU
M\Y'HM&[<+3M6_*MNL5E5(M<TJ43^8R8+E_-JN6)'ZW0::`.&#1&R%"X>M!QI
M*?8##.XY<W*F1(;,AXH5:4K4E_:ODD;6K;FU;4K>\7-7J[T%;NW;DK<8J*3D
MVE%<%1O@N2Y<C<--IK4W.W;A&;;;:23J^+^=\WS,/*XGQ<I7AU8D\JYM+JPQ
MFNM"`6Z96U!!L>I3"1&J-BQZ!VH<%FN3C4QZ!IE*-17);RFO;MUSW<D=PU\;
MCO1O75=EFK+/*KS)*576KS)).O&BKP1AZ+1NVK3M6_+5*+*J++7+14PI5T[*
MOM9Q1.$<3'DH9B#R3F\,J.MDZ^0"$6EUYB5"NQ-#*"%LBO-CTKCV*9J,VIR8
MCT?4M"5[5[M:WA[CKY0<)7[K@X*#6:5'!<(\?LKLX".AT49*4;-M24G)>%?:
M?&7#CW\2U\Z9VA@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`H&5_>E
M!?T`VO\`K$IF"^KZ2_L$&`:U>7,^V#^%F54APVBR3[SQ0!%:KMKGT0Q.A6;M
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MCI-0J<>`4J-\Y434>%2^#CG^QQJI`L'6RLNRJ`.6FR0!D22)EN012&HI3;2&
MY3+K4A>Y[%IGM[LZ>-R=YM2A<5'YS\K,XVTHURQ;:DJRQC6J::,0WG4+7*[?
ME"%JCC*VZKREYF5.XZTS.B<72.$J8IIDCJWE[UKHE;K%G=Z#R+EDW]IGC,)L
MW/IM*(D+1"H/31-#)&K@6FV*_BU#*IT4G=?HP4ML?I$%+;;2I<F;M]IKAO;)
MHM+>G95J_>CY5]QFII1<[;FE%*,'64%"LUFQQ>51HWS6MWU>HLPO.=JU+S;*
ME'*ZY9J#<FY25(R<Z1=,%15S5)TCS&M+?BN4ZH3(TR#TN#TF3RZ9.'`!1GD0
MRX(?;FKCPK7([.$J1^B,C7/IF+,[91R7Y6TL.P(Y7WAT]?\`H5E[PM'!7'I'
M:\Q)R:N./#&/E.49UQ=ORY46*DX>,Y_ZQ=_I;U4G".I5S(W1.VI<<)>8HN%.
M$\ZQP<5/P%;#O-WN9`<'LA(9RZGU:]K"PAQ8S5[>N#R"']=XOQ;%>.AEI=S$
M0[&#8UWPAI#*4`6HFQ<93\O;:Y2FNU+I_;XSE:@[T[UNK:4HUN.FH<8061N+
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M@.EZJW2;`:+0+"8=8ED8?T,%TB!#,2Y#\76X;!H=/;U'LLKT[MFVI5DG&VTI
M23DINVE+.E&4(U4762C<N.*3FBWO67YV/:8VHV[TZ4BU*:;C%J+BKC<<K<E.
M5&U2+E"";:]5L^-/JA@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P#!6ATA'K5@?$_-]T9#$W1WT[7SO_`%S<-Y47X6=H<T\[\^D^
MU/M5[M_AZ;RKCCP#X%-\3,]&*R;`F]Z-::8CC-C?NPE`Q/RN.3=2O@4B%$^9
M7M0CW:_G>W\/Y/7-S45]DS&O,\_7+SYHT<*?D4J->"4(,FWB@E-+\S78E2I1
MH!Y/7MV[.&)L!=K,D0)VHUB(,'-2VH#S<QN%MIUV=%4SQ'-2)@:3;_)>FBKA
M;>;">@=`^_7TN#@V.W\<(5VTW!CJO7>]TRB7B>">`5UD76:'9BM3/%%1AT&+
MNM*ESUMM1W4_'0Z/B1V\6[RDB6.N#A@KH;)'F=\['=>?5"N\1)SJS<X\*F^9
M#6^D6*PH`2M0C#MGV"B0P_W&/'G*(15(AOJ)QG&@P^7H);U?R%\B>B*G5:FU
M+JKE,NB.]@DMS>06L%`N'-28CL@*I$Q+,GEK]D%G*T[6P[^IA`Y7&Y+1F!\,
M0HJ9KX!*)%H>2=7ZD2/38U0#W)G[UXS1JONP@J],+3`9MODOEJ\E0=4B%.&1
MK.@Y($Q/\LR\OU(-->SY'V=X"IS[3DXB<\BHD?R'YS8AL*/1^7\I.U+F5$51
M"(<GO\O!?M?.#(%D%S"I4XB(OU:85)(0H9PLMHEM+$:*,;;=BZ!TP971+K'F
M+2J>^:5)N#`CX"S\2H#.,Z^\A0O.;KS0$)H'-YD;G]XD.7GK%8L!34*1989`
M:Y(A(0AP:W\LYN%HBR!O>O):U=`%UJ$%Z2%%5BW%E]%U'XF[%FS!@0EY76$?
M3`)VU"DU&9/M58Y_18*IT*5)8:V984B0V]/;=324C\O05]SGM/FK<61AQIRY
M:%@;0W(:#F.3HBR.@"#MS\9H3%=M1XWR;F<D8U50O1+C'?EAPPU*'A&WMRIC
M(Z0_-!J*^7SF>YEVKRPL/2O'L),/'5U^QBX!;KBN@<?/4IB/T-Z;+;ZUQ4='
M$<;E['1N6"VXSU;G3#8UHB[(<<>+&F6E(;!J-&>L6#`P!@#`&`:W=J.]/%&Q
M;5%T=W`<#+=E_:@K9-GZ[4M]*?D=7`E^QWX=)_F^NOP_'TSD@HO[5#,J\BM/
M,.'UF[<CIG*N8A+F0MG3C(]NQFJG8':&2J("I@I=SE&';K\:(=??FW$0)&JC
MK4AR='G2&D)WK3GIQOCW&X=K->==<\T[8AJR#6KG1&;F_5JBW3)'&QQ%/+IB
M^>^.!NX6IJ84"[)G2`^^6RY#&W)KS@9QB%ZH84J-MU0U2*.&V]K\E$@3_,3-
M;N=NLLJ-<8T%][BA]<"U4RLT#R)AI/G"U=!1*H-)62[TJK;5%9?A./OD6T0X
MR(TUK604CQ*ZM'0O+^D*M6JF0N9HDF_]%JICK-[YP1<G4FO[[EY,S**.836N
M17!DY26Q8ZD1T.Q:X4<0%-;6B4QI;4N(_P`QX?EZ#?SQFOO5+6;[:`ZJHD3(
M4^]MLAK'!JL^K\W?#E6IKL:J4AJP4ZJVR:1IK,)#1EZ8^;8D/R6946?IJ3]#
M!IEI<C;'!!@#`&`,`8`P!@#`*!E?WI07]`-K_K$IF"^KZ2_L$&`,`^5(2O6M
M+2E>M*0O6E:TK6E-JTM"M:WK>O<A:=;UO^76]>N`?FVVU:7K;:-Z<WI3FMH3
MO2]ZTG6MKUO7\[>M)UK\?\&M8JQ1'7CN0"##4Z*Y$G1I;#3C$R.IF2Q*C;W\
MK"VI#>UMO,;VKW)WK>T_CZZRU8HC%A[!5SNYL0":`F5#'G62,401'D%#Y#)(
MD->:FL0WGMQ'FC`>9'5I>D[U)BO(W_/;7I*KX\Q2F'(_&;/5I[83Z>PU^:U:
M]245SX2PZ2W9$QHC\V8@)[)"TF-1X$=QYW3'R>QE"E*]$ZWO)P^<4[3(%"(H
M/`DF#<X>+&"V79LPH4DQH4`=':;5IZ7)FRUM1XC+;2E>Y:E)UI.]^N_3`,"9
MO-$JRBVK!;ZI7EB!DBPFT%CP@6X.#QAQ(I*-$T2Y3"XH]@2"ER%R'=);3'AO
M+VKV-+VE4)=AEE&P+@'5E=*#/RUL6@_LW(EQFPZ`R8R2:3#D]]:8C0]N(G3_
M`,ZE:0EO7OWO6M>N!3D9)#,?U2ZAIGU]5N)<0A'K[GO3;CB5ZUZ^KOIKW;_^
M+_#EJR41S9"C`&`,`8`P!@#`&`=*01'PY(^'+GPHLPL^]%%19$IAB23DQXD@
MA(CCV'5I=F/L0(CKZT-Z4I++2U[UI*=[T`@DAQ-M]T;/A$&HTV:-DN093$MN
M.1&R7(1&`^MAQQ+4V!,96T\TK>EM.HVE6M*UO6`=W`&`,`Q,T^"&D@X8B:$C
MS%B<FM5\5-)0XI(ZZ-C?6$6P\%]YN43<@0_\J]IA"]M-_P`Y7HG\<`[$<H,E
MS2`V*1@R2(GZ7[I`CRX[TT;]<SN1"^X16W%/P_K(Z=K:^1*?D1KW)]=?C@'>
MP!@#`&`,`8`P!@#`&`,`8`P!@#`,<7)L!A1(O)0ZY'%P)9!]#&DJ>6S#87(<
M2TE:T(4XI#>]:UM6M>O^'"Q=`0:@]1!=$=)LAX92*H6U$=?V19C-:6F8I]+>
MFO@E2-[VG<??KZ^G\NLTXN/$B=356L^:+<E#UKM@8%"J-LC19O'J%4YANR]S
MN`8GV8'P^N60@`D"0]2BP;):['!6['9).+!LSH_UKG\]Q363>7Z28P?./B,S
M<_YT7@6A@69LH9TG4Y#+=OI`:J=0N'Y\JVV),E4VK%!W'#[<1;VH\IU^,UZL
M):E1770RLRP7RSI-SB=*8J(6W1#-*IO2+97G[E6I(.O7R-S`X3I]MEU>:F4[
M(("Z[=(+4&6MQ$5:]2F78^G67-.Z$IVFNN_U!6Z[9!CE\`L0*$S1B90N9""=
M>XQT6?T.LT"J<XKYBTW.MCQA2.\0F2)K\R.L;(:2A;<V.AE>W8:R_2;367RJ
MY-5PO$+1,F$Y-6\@-UC="L$5D8U'VS=4U[54D$1)0L-LKB#$BTP6_9!@SG8O
MR[<E(88;<=33-']!0%N_4*IFN:2;3SR@=,*W%\="/#:C9*4^.DC*?.A\Q+QN
MAVV.R90\+I+X?K81?N;<<)-.2U)=AHW%F:8%R]O`G5W\SZGR7JG7*=U0.9`T
MCGP&NF!?0X`=V8`E3IW.[;T4I5BTY1#2V[.\%I<]Z"RU%U'4VSI#SZ'GF$.`
MHMK`C=I\_P#E[=*@F*6Q,EV.VT3I]DHL4\X`4(D6?E?Y[:LU/.)KUH)F/J!\
MKFY?2I\%F4#>3%UIDBM3\=+H97S.2F^<,6R=:C4DUROH%0JI*<2J4.P%!`^:
ML5=!WD!TG@8YRSRP]A(0QM;O%@I#"`^VFWY6I$ES4I+++>W<!QHC?;!D8`P!
M@#`&`59?>MU[GD^&.,0B\IZ;!5/:4.8BNMI92\XQM*]OS(ZM.>]O>_36MZ]/
M\.:C%RX$;2(;VGL9JB#><P*2$"EK?U4Y/%5]=O(D1-6KHP%1++T:RV6R/`QA
MLS,:%URK/HCP83"GYLY]EKY&6=NR&LFDJX\BIFO.GF,0&S+D#+7=IL8/5IDX
MIR>N3+13CLDQS25UD_*HI0H\$GG0U2HD!9*<MR.R^VV['BH0[/?;BJ%RLE1?
MS.Y'"C@E@1]^OA"UE#`>IA*34W"A2RS`EV*T*6H9];-&#VX2S`60\B1)D1V/
MHDZ?4M*=ZP3*SGN_F7QBB5RBVXD_9I]9Z%S"3UT"<&@O8-8I^IE'#B%G)9B8
M(9!E+-9>D!1<&-)VAS<R;ZO?"PQ)>9!1;*C9_4.YL0:)66%6+G"YS71PL]-M
MTL&R8W;QY#D/6^FD`-$'5@N5F/VVM2.4RX<I$M#<&2MIQ$1]_;D=3@N7Z3.S
MOU#>$PS%JK3`OI!FVU`F@,2J-?K0PU8W"T-BQ+MT!F!`L3NHKO/YE4GQ"RIB
MXK?SQ][AJELJ2ZH,K.1S]0[QYARJL--NW2MF+0_-;V"L-=C"SH",EH&\`(&P
M[I;9!46Y(LXW8Y,%N=(3J9I4QJ(EF2I@,C)GS'R\JW6>@4RA5KG74A[EKJ5Y
MM9`O:`@8%'IJ*@/XZ?&CK,/</R"C<FXU;MP4C!W':D::;?2U)TS(T\TP(XT-
MM<$&`,`8`P!@%`RO[TH+^@&U_P!8E,P7U?27]@@P!@$7NT,H0J-BA!/E^[RA
M,QD;\$C41[ZQQI26?BD[<:TPOW_R*]R?3_'E7'$CX8%9<3KE\K[=D3=]D-JE
M."]C?KC""W\UE$[4KXMHF2_@_%QOU_Z/N_#^7T_#4VG2A(UYGGB'X;Y?TZF"
MD`9G3H2H0.HTPM2Z_P!2%Q($3F0+B_#46<3SP0JQPZ[6^AE[T'MD4<;:<C3V
MB$G3GUC$1;;J<'+6)V.=<8\LZB-"1ZD+Z%40=DZ/+`GA=CZ-4R5NKO).G=F[
MG;;7?3IMBPF5G>E4>ME*_(87J9-F*?)R$H<=>3(5@53XD+D\9\Q4%*6;F5GJ
M\Z[\]&D#($L$Z32HG/A%5>Y/6Q#]+"U1=S@PW.O%KTW86U$M0&6W(1!I#Y/4
M5;;4>%K&AG;U2/-KID^<-ET3H(FM6`-WJ/)%F[_7B`TG3KU.[^7H%=N0UCL$
MBFA[559A"F0H30^ODY+4-&MK.,QV'X>4+*BY?*OQ]ZWU.Z]+35@A633[UR^)
M5B$@);H=4(%)8WG'>8<`<@E&,BCP]+5NM0=.UM.LH7I_?O4IE+VM0D6EQ.Q2
MN<>5#-0\UH5KLMW,6>U@^E@^-@C#PY^L:E/DNK*YJ;HEF+=2N.FOK:28K8^?
M&?#U>+'E#DNR&),QR=,=I'3`@!/FOF-7"VCH^=V"V_6](9MLBG.=30Y6SBXW
M<^ZI$U8B1C]$JY;FG.V./FJM)<^R*D1MO#H31`643]PC/"K*<@>K^;A(H/F%
M0W4EL<VI)"(T(*];KU7$=<ZC5Z)VM@7*DSJC;I1;5&MMN.5Q.GINH3KBV&7I
M$9MN,I.0/*8"G\J\Y7!#9QJQ]4#66NOQX?-X-UZ*G[+H><ZQTA9(AT>H.=0Z
MONSZ%\Z+"5-MF3-AG18[+267-RV?8VQ+6)8/'*+Y-M]OX^8-S>]TWDP.A#VS
M%:Z#:AW3)Q.[QX?5(748/2K"UW4@/^DL1XK7"=?G1@9[XF1[<:!L-&5+972.
ME.53T^P8&`,`8`P#6?LE2Z<>LT.73-E-"VPC$=[Z(^V*:^N3,G..>L=1"+M;
MGPN(_G^W?KKTUZ_AG)!Q2QXF6G7`K?RYY;T^Y[X;>N659BV7[@=BM75ZJ,EG
M!@)HC<A7/3(@55'RQ&5'3"C]&A%)];?E:VIJ,R64Z]M+25*UQOB<D6N#X,U+
MHWCKY1\>;@TZGM=#]JK[9;6#LE5O=?#49=HN7=3]Z[M>.P5UVRP95H3U.B&%
M;`-KA%71Q5QW>D#Y"M2MPTW%\2(=HJ'6^`ULM?+/9^Z1!4_C'#A=XM3'DE""
MVBQW*H<B\CT%`U=,W#IX*&BZ0.P&:T6G,#T,(+#65I:^MC-21SE"HSLV(SY1
MUE@QT3KLWJ5'XTL7S_\`.[,+M(2B&;)H5",M"9G-K7<^TC=UVSG]O"2E@@PX
M5':6AJ6.^(G(;4Y(##@N)Q5.H>=AWGIF[$+1W0P8)\\XK8*33!\^(/%]!;W6
M.2%H5:LUP5WVDG>?E]F!1\?;)H<+7B>U%7IS\DNPS%A+#PUY%S>7G*/(BW^0
MW#NJ<YYK,L*^>`*8@<D?)H$VM0"1R\2G.JE;C/M=HK-E=.\EKT04<I,49&V/
ML)),Z$4]$N15Q!(M4H3ONO+?)JQ]3Z%8.>$KN)KD8`2/T1%2OX^GQC=]!\]K
M,:EP+#'BDX$PR#3;VYWR027N&O\`KOZA"V%:2J8A.-,2L9W-?.N9>*5HE=>D
MA*57^HG:DP0K14%:BI*FT6QT!7*^GVP3KJW/H4J!T>KJM3%B9(:/:9<>B.2`
MTAYN.Y&HK$P-<XAY/FR]%FV-CO(Z<R*=YF0OW[:2@&S&*&SY.\0N%HM]U!0N
MN6>#3;C=.5M6>.T@&_+;C,0E)'Z$(D0A[`M5W'+$XYYQAY7*PB.@]A9JK9NC
ME[B>?M\?I5OA71RMU%HD0()F]:Y_J;SB"4$$V20Q<@H)^6>F0D+-UM3C05CC
MVDVYOP_R(#](\?+'T:1V*TBZM:*W:K.X0[+./("VVV<D[C6.@/DH'YRA1RE'
M&GG:JWH6VS*@QEO;>AQ-^^<YD(VL:4/4_*8&`,`8`P!@#`&`,`8`P#ID8$4I
M`FC9R-NPR$21"EMZ6MO:XTEI;+R-.-J2M&U-KWKUUO6]?X,<,016I<_JE)<G
M.UN"Y#601';E[7.F3/>B,IU3.M:E/O:;]NWE?R>GKZ_CE<F^)$DN!K=6.`^,
M1.[Q#]9.2#4Z3,-WNITZ%TXX3J%=DC>STSH-UL%&IS9IT:$A2NST<6\41%;U
M"1.;6QIMI,A]MR&JNE#Y*^!WCT8%&`\D;>6(Q9YQAEX?TR\CI]>J[PJ_`Y'/
M:G/AFVI59Y\^)ZE8F-BXBFV4(*K]FT[9B[8%S,Y^+>.'**>_T]#%E*W<U:S7
M9@!&-/LQYZ!3*CT#I!Z\'*+3P$PK)9JT1E=EA-$GX6F_KID5I_?Q_P"3:0(V
MSGWXO>-]KU9JP*ADV2]1+#X1.6#MUDAV"F69XA7.L")8\A]<I0XRAV5`FMK3
M[TJBR%,.:4PZZTH6KXDZO?C+RSI!^B6>UL6B49H`X0)&RH=QL8O[T,`6>M78
M/!MK8Z?&198T&X5&`1TF3I6G9#._D][:UH4)5HB1_P`+.!V*,,B2`EG&M#AX
M4&[L!?;B">,U<$"H=>B5$_(&F8[Y>L/P^8@7),1U6TR'QJ%N;W\C^G1<S)KT
M#QHXYU!^RR+O5WC"[=)BS#VOOAR"B5*@T"V\RA2&4P"$;<%^'4KN0;:6QMM3
M<AQN2G>GV6G$")M<"!3?"GB!<JR:L"+[8B6J_P#E\D^8Z);'6[#[:Q=J4P;L
M,6,1BQ"MAA5+HA<>Q*6WK;+$G6T)TXTTM`N9DS&^,'(1A<D<:$&)$\G<(5X4
MJ;9STIF$:'=5,=LA-C6')WQ0Q<?IEAG$M14Z^'UE+9]/@TEI(E6;!X(,`8`P
M!@#`(%;.;TZZRXTZR#W)DF+%W#86@A-AZ3'4ZM[:-HBR&4*W\B][]=ZWO-*3
MCP(TGQ(UU/GO-[R+I%1N!.<`(1[1'E<O+`+81I]U%W,-6+"]I^EG1<V&5V63
M2FBR);"%.M2Q*I;4EIV,MY&\FEAP*(=\7_%J;R<-N#.--4*9NL%!=XKO3;<@
MB8C$:1'Y*PXBYC#2R1`?>*64^W3]I>VB?]5\^]ZD:;>;%S.I`^L>*/CV)EU>
MWQ>C6OE#,OH:#<&:#Z'<V(,`>`A7OI-IJO,&AYQ(^@:+$F")N>Y#:WIU,9]E
M2-M*2T@$WP+[N_!_'J8+Y_SFS"4"XDNEO<+YF*B'CXZ6P%"L@^E11=>EQ9VI
M31^N)XU#+1)ZW-RXZQ/O2[O:EZ6(FS"7KQDX#'`V:V=)>LLL"*HS?YT,6"[6
M5458>F<_Z%3YEN,ZB3&=*.M4&_F(TJ8VA+CK.VM[3[X[*D"IOD2AGQAX]*)'
MSK<(](A6ZV$.C.A/S6>_+,*W60%:@MCL0$1J:ED3)M4.[D7IR&MZ9>E2-OZ0
MEW^=@E6=%SQ%XI^8$6:$*L0@HX-(@C"A-OL,./9JZ3K%?J3U>LD;4];100P,
MJ\-;"-Z2N/(2ZXVI.Y$CY0JS)\[X[Q=D^%ZGSE1!,X*Y;*PV0&V,XX-()A@:
M!Q^R`S`Z9)7&(-"V^$`V/:XWZLSQ'SI5[W7E.@V^9L&E]A;SL=#S2I#"&G'F
M$N(4\RV_MS3#CK6M[6VA[;*_9O>M:5[-^G\F\$.7`&`,`8`P"@97]Z4%_0#:
M_P"L2F8+ZOI+^P08`P#`6HWNMUPV?3&U,V('2I^HNW=L:?W';VY\6WM-N[;]
M_IZ>OM5Z?XLJ570C=%4@?*^GN=)0;6X&0(^SK'HUI$Y4WZCZY,M6][]8D7X_
MC^E_^V]?=_@],LHY0G4U4'>8<FJ\_P"#=%ZBS[!%YYD4M_0YXF+`&5ZKP]7_
M`)C2V[C)5/E22B!X>;?(R%QV5K0J/*<>6KU91I63>7%I$=%^>)`5.GKM7+K)
MJOBY\$C?2$TW7()GF@ZSV"!4@%:'UH?%?D7@@-L$G:9BU/P5M,)<7ZNN(0RX
M+E["72_*3IUJXS9[?6N:0Z?T2L]K\:J)#JDZ]`#PJSANR6/@1OX]VM`)40%L
MG2>O*'R5J@OOP9C3KD74I.HSCPF55Q["$L_J,MDII@<!X-=S$NN10H"Q.-$G
M60@/K)<\!`:I1"WJK3E,CUOZLZA$<THBF3,>3I#8WVKTY@9>\B72?U"+E.IO
M6P?,.0'H/1:3RB^32=E?G2B=0Y[U*O#+PZU"GV'\A%:G-J["J3(W#)S5,NSB
M$B#%V+VB0^Y'%R\WP)Q_;#Z/27.@12_.%7FJ\R!"Y!F]3+.F`:'S7O(OM_&+
M2=O8ZH<]G#Q/-:&$Y$Z4FGX4);B8R%/OP([2GE1)4F6I97;O*HKR;H+E=K5-
M?Z;];SZKV^$,8L@"L`8HU^N^1=Y-V%JT/0B\V>\_7N(+C,1M1]L.2)$7:7&V
MUR76K4*-3&1?.0,I=\02YT9#RJ<.Z;8V0)`RU$M4FG\^JC5J#6LN(FB(<(8%
MZ;$^5P!*A32T"1&;VIR2W*;E0XP92.FO/N/7V0TXARF8]#+E^FPE0!-L=+V0
M4(IICI5<I=D.Q8=075:X-Z98.4EH\-)(U"=;^/T93,=:ELQA<IR.^=Q`8.N4
MJP\5F"YG)>?W3J?9($7H`DQNLTNO5P58Z^JFN1`2'>@6&S,FF678FFAL8:ZV
M]\LI>OIMRA,IMCQ#IA3KG/8%S-44]SHL\5L0>=6;!%-1W6W:\=(!DE13MAKU
M3,D:Z=9A)F#Y4@9!<?BOH4IE&_76"-49;>"#`&`,`8!I+YA$.D5Z7RVW\T@G
MW2=<5?5D#`.LD+ANK""X<2'-6E5:A1Y3=@)UJNS)Q$>/<;=^NF0T,I:>VKXE
MC4:<&:>VKR;\PF/M8ND!^@E"":+V70X\<XO/^AO8B()\@I_&.P,58=S6,H58
M9?Y&J>B8^<<!,/2C+<=@'O4YEV,-)1-B>1])[S(\@1G,>J.V6Y5%$7JPH;.3
MS2(!^*70>EV]FM=-Z8251X=;4/ME2A"H@-VO$X&M$4.K?&/-3&),09:5*H]#
M)$:-,:VQ+CL2F=J0O;,AIM]K:VEI<;5MMQ*D;4VXG2D[]/76]:WK\<&3GP!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!@K0/DEJV?%PMHU,(AB<&+MQ>VV]2)4
M-YAG:W$I4IM&G%Z]=ZUO>M95@ZA\"G.*<XM%#DV!VQ+@K02CC6HOT<YV9O2X
MKDQ3WR:=89^/6]/I]/3U]<W.2EP,Q5#061X3=C!Q@Q-B7-O\5MBU;NW,B?4I
MPP+8@)GR-C=-=Y[4)Z14%%:#&ZPE#\MMUWZ:6_!:@2-ZCNN.YQ'+F17Q[QR\
MBZA)I02U4HGVP1;#G(!%QB2NRV"&3LUIJO`>FAI\"+?(,:(4#\8K$R'#D;8L
M+>I$ZSI^K:7M9#XFZ6J^9ECD/$;R!'R-V0A`JW6>@2N3FN6FKH=M\ETI-K\V
M_P#$SMAA0F+$SJ"Y,MM>KUC=':EI5`C%O@U/;<C2'4X&9>@L>D>-G>@/C#=Z
M#8Y0\[T2PSN%DBPY'13,-=]KW.JCQH#T7GY7HP\,.*#'K^#H94%HBB,A"V9B
M''4-M+<0@1M5[BLR'B_Y31SEJN/-H0FA6L(/G6CGWW7K]@(5^S3DE.53>3\?
MM0.##GP!%8X[5ZW8@#\AIN1&D():D1M/;FS=M!F7,R-/\*^S@^CSW#EQLMJJ
M8SJ%'+PYAKHTU`.Z\YIT(I)IL2PBQR6;=+L]%FL0(3[$N2H;-BK?5KY_E4EN
M#,C6^T\9\BN=#J[^T@:LL<O/3M.43G-)Z':T;J_0#4CQJ:.]+J,>H@VQR@T$
MA5;<M`TC,7,4*-.29TA>I9E<8:JGP/2CPSXKT[C8'H4?JUAL%@L]DMK<^=.G
MV,8=KQZ?"BKC$+[7(L2'&)AG;PIQM^<R05N3\["=>U.DZ6[3$FGP-T,&1@#`
M&`,`8`P#7#M/+[;>S8N?7G!Z(\0.N"]J80>AK^H5+?>UM*&H[VE(]CFOQ]=;
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MA/1I#9KRV:/4UXZXS-*T^-T#G/4ZK7'B`S;2X$*/\.FG8D),=X,RY_+@0VW^
M$GDO8*/U4*?W-Z;-O)[J3)*KV#K^JK2[&2N%:Z@,YUUF))KXQ1J!/I*KD-BD
MX$S2U:8'Q]P6W=BX:I$*I1+_`/(+C78ND=VEQ.?!B,"8&X1RB,)ZJOHUCJHB
ME$M%_(F-<P`FL0&U"SQ+H@N0.&39+.MOP(ZH[[_MTS#]PB:2(,4\0>\#CQ%B
ML0V7*U!#U9J6[OLUMC.=+Y@(K?&QY;QHD1)?U;X!LF;IMEE+L#KJ_<HUMU3F
MW21/X:,R,5!\6_+,726^<TR"&Y^)*LW"QQYT/MUF=BT)1"K>2045S5A^&%W8
M2#A.;TH!M\W&VG</3;LMO3DN#&T\%8\3.V?Q3Z1]P)6WE_$@?/["7'>.9`)7
MW^G0B55@&>4$.JP9=*Z[&3I<FX\]&1+3`))^U/)F_5I8DQE:ECT(="O:SUMP
M8&`,`8`P"@97]Z4%_0#:_P"L2F8+ZOI+^P08`P#'%M"U#)R3?T6Q&XSNB/W'
M;6H/TGMW\WU>W_1G3'L_Z7N_#T_EQ\W$?.8"I-T1M,_\DZK6D[5'^Y?EU0]6
MO=K3WTOU?T.]^F_3;GL]W_VWI_ARO-SJ14Y&D]&/_I]G*E0Q%4JG.UTWR:+=
MII]=!D.>SF`UD>HOW(WV<;811T,F+6`,*7RWWS/N"(<&1*B1-(]ZW8_OAR>)
M?.C8F;#\;7+Z0I;N^3L=1L##%REA%_E9=OG;%7*([`LKPV2EV5,>&7]]A;3C
MK:_:24C\-KWZ;&<:5Y%"U7DOB[PKE5\YC89]2Z6%OMRI%XNM.2%Y^A,B58CO
M.N8<_+C^<4Z"'%!*X%*5\'J-+:C:TQ+B[D-NZ6A"&Q6VW4G%>$>)TCK-TYP'
MY[0!UKXO1><`[%-W`J(\2)K[R95UI=4^CT424>D56!66BZ''QZ8\)A;:VI.U
M?,AL/%2O:2`]6O$85J\W4P-XLVY5Z^7JG0B"I53;^A#6\H8+SJU;D*F-1$+L
M9PS/6S'GZTMZ3-D:;_%]W2A,3Z#4/Q=\@0;)]FC\_M*+#5`I<T)F0!6ST4#T
MDA^V"$.NX6(^N3#58#1QXLY%FIVE]^7)7Z+2^]MP6LD7.5YGSPX107,4FKDB
M;8ANOMSY@0>_*;!LC;.':$(><8VM`YH3=2\9+.MZ;2P3DHUKVO+UL9JRN2?B
MMXX&V9T<SQ/G!9DG86;5/;)5@;.U+.1X$D7'E/[DLN[6RR/FOM(C^OTR4O.>
MC?JM6]BU9F"OCMP@X4"FR_(^?DBM=8,1@DZ76!3SXYD]--$2Z(^UQ]IUN9/L
MA)[>]ZVI+A*7M.T[DO\`R!5G<-<%XM8B4`P=Y912Q,8Z8=B39U;&2'TZL%?&
MU4]&>4N/O4N`:KH:'#EQGM.1Y#,-C3B%?"W[0JT32GTZL<_K8RH4P+#KU:#-
MO-"P\!*TQ(;;\EZ6\EK3BW'-_))D+7OU5O?JK>"$FP!@#`&`53>.OUJ@E6`Y
MB&9D29$!LBA8^-$>9TRX_(82E2GYL=>G-+CJ]=>WT]-Z_'-*+DJHC="$]R[2
M<YXJB5ZDA*\5M_0$6PK'FW4P3!4VIT^@5ARU7"TV"2"#V`X07$CJBQ(L"%&4
M])DS$K4XTRTZO6325?F*V?\`.CD8T:[)E1;79_M0\,0-'N<UN=:J7)%N\LK/
M8;=<*J==V-D6&AT:C7$5-GST1D.JT3BL,,/S%JC(%RLD)_S.Y&'8@;%CNA7<
M@6(%QP<'1Z7-.%RJP)GK@8O)ALK>A1?H(2^'V&1MYQYM"XT=I2/<N2PA8968
M+J/EFS2RE5E5<9`MU1N'*HW2ZU)C,E]F[5]QBF"@4.#CZ;:CQ7C8D;IQER=J
M.TVI6].K1O:4[!([WCAY<T_M9(=S2?)6QV89S<)<[R)C`_L@6&5<$4DA;P8Z
M"[9[24@2:9+Z&(C2D2WU-N.2]:C/R=LR=,`XM8\B/F/.*C4&[]MJ/40YZO,<
MVN*:]4#L,5K8.^:<K'#);=>'&21.)`U=5VGMT")M#^X8U##J%KDI^&6ID,N"
M:/R;YU<S,[I8WGC4\T=Z`&Y;<JDDI'A,P#5/NW3N<46Q?`Q"-/&X9ZNPK^EQ
M"9<:/!D2V]MLR'_B>T@,KYG5XMYNCNK=&"TXKS2_4,;>ZOSXQ1)MB!Q_<R=M
M]=ZC:7ZK;B(PT4%P2DH#RZ;-'?3_`"-+C(_RZVG7H[;@.-"?^07D]!XV8"U(
M37#=CLLV;0)5A(-`B,VGT6J7NX3ZL+,V\O`>;DP'#;M?+H&MQV9:G)`Y:7DM
M)4VI8)5(S'\YN21N9G.FF&CVZW3+("I=Q.CX8J(,CV&;6&[*<E"QMA/B;0Z&
M!1=J5\;T)HG/;4TN!%FH>:6L,KK0J^5Y\I;I5J>55=A.CUPWVV.-"64/8(=:
MO5>YF]Y!PPQZE%H:Y;DV%,G<4TW/>E_1H:V_M3>O9(A+>#+]!9@SS;HD.QVJ
MOW@)8P0JJQ$39/2HHAYSGLIR;<^]UB($;?D2$V&*5@ZX-.9D.OPFX<@@^VU&
M<<2XTIP,K-QPQ1DV'%&HS,R-'+C8)1B.0C+A3X[,^*U+:9G0W?\`*Q)C2'=)
M=:5_.;7K:=_CK!DR6`,`8`P!@#`&`,`8!A+*3="UTZ8CMM.OBA!$BRV][OA<
M=AQ'I#:'?8I*_C4IO6E>F];],J570,J3CG53'1Y!YDI`%0M"HXYYG8W<K>W-
MS'):'-._4/O:]$ZCZ]OIZ?R[S4X93*=3R\#^:?D#$CUD62L4`X=Y_P!2[MT7
MI.T@0D!5YX-+@]R<\>J+\L80[%"N3K#4YXQ9&"TD@\KGTA3BE[D2-.X.;*N/
M(OTAYTVI?2XN@D/E,SDX]1:OG'=6N5*/SSS5P\0@7WP78(B5UR*'J\#R/F+G
MQG$.+]1VE+>9UO>M#.7#O_WD$O'Z@1BU,_EJC)`#4G8-M@:LU=-O32=9LE2M
M!J>-<BSIL-H+9!5KH%<3(WJ`A_4/9%&W'];UIM0N6A:_5/(NW\6\E>ISK22`
M3.8CN:\['5<00MQ&N#ZZ3=Y?Y:]@/'C<:7'W7GB-D(\/A"42=JVZS$<1[-ZW
MIQMT1*J[_P#<8=GS?Z?*<',N47E`)KH-@D5[G!<Y?;`P&`?8;M%I]@+]3E*K
M,5L?$(+F)T,:'K>4J8IJ,ZM.Y"5HE2Y2?>$/D=;>N``M.Z*X%_-@OAG";^+*
M0RKEB)=&!W2@!9ASI;QL=$CUMJ"1NCLR$V/UIDE'W%^=]E+,J,I5))4X&_6#
M(P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`H&5_>E!?T`VO^L2F8
M+ZOI+^P08`P"/VL(NR5HX`1(3$67&RH"9*V]O(8W(;VWIQ36EM[<TGU]?3W:
M]?\`'E3HZD>*(!RCF#_-D'4/EV"OWA8]:=LPEP_@^A3,3O2O?)D?)\GU7X?R
M>GI_[<U*68)4-"XGZ;<]@%/`.]8AN#W*4>K@*)^3W-Q:R:OW'>D\VZJ?@-J/
M>Z0F_GS]<,2&%;1M"P;S?O4J7\C6#DSDN3X<]860EW:7;N0/=$+6>;?B$AJE
M6-D-!L@WR$YCW>I`A<Q9V0=76G4T-X44><<2^M4A$MAI'M5&4)5>@A]3_3^Z
M:+L%#GV7L-4-CZ+6JV*@_;J@?$.I<A'N4V0V&A"$VM\(R"=.\[F3(\N2F:86
MHLW'<D:CCVDO"N2I0L_R!\-K7T\]TVV46XTBMV#H^I`MYZRTZ>58A`C?`;QP
MHV[+<#F1,XN4A,7%)*"E;K;&_IE1G/;IW3S8BE0CE@\#)R7F#=1-<Q=.13=[
M.OB+GSQTI3;;-OEY[R=?D7<<-+0I9N57@G='EPG%K4K[J.0Y_,;?5IL,Q='B
MQXWV;QXE7.%*M-?GU$X#YO"&U\`+)14/6VIUM0&W=$(.F)Q%\20O+;,%+@>"
M[L5$W`W(:UI^7)WL&ZFX.#(P!@#`&`,`8`P!@%?6KF%.NA!HI8![\N8S$1!;
M<:(3HB=1FW7GDHVW&?:1O>G'U;]=Z]?QS2DUP(TGQ-9_."W<GYKS6AW#I`GH
M+\P5T@0&YP:Y59H-/Z%7K>7K5G8VFO'R5@KL:5,LM:B3Q$<*IR6Y92,Z*+8B
M2)<N,G63<:UP(AT#BWA50ZO4:'<++*I`PF"/G@J8_1;9"+V:A5+D_/N4=`&D
M#$$A(G%:25YU6J^/,,N.^R9,7&6A7U[[*U!XJFNEJ`^%1F\ZG4[L=VJ$8#98
M'4NDGH/0[M4*_6.:VWE?EM=5BZ&;+3!0D`/69LEH)FQXC4@C$;3(8E,LLQDZ
MA0JS4-D+A;_`Q]D3,L=YK0N)RJLTNGB8+!BSC$`P105.9J0***CH1)(2F1I)
MQIQA#;TJ$M2&Y*6G/8G*2DC%5`AXB!CE9MG)?(9^H0N@W<-,?$@K;*DUR\2N
M=!0(V;!D,%(LC82!;8ZZ[N9-^1A@YIV)J.IQ97WRA?%P:/U;G@UY%7,(!"V.
M1<;5V5[HW1:R8JLZ[HCH-4\7X^OG++`-1F$"JP7&C:[2"H93^VFI;*42HJ7F
M92]OB>)>@N^#X<\7AW=KH+K-R)6)M=;G.;)7>P/BY5AK.N:(CVR6':E,#7[(
M19Y!76Y;^V_8XV/VE#;>I$GY@S/@==WP^YM!K<D53S-XJ%A90WNJWF+:"96R
M4F5`J_2*77)-?66?D1-;J-9ZL7BC4/MO)92IA2_D7':5H3,R:=*\;.9]7M(J
MVVQ-K^X#H((=-A!+I9``2T1*H6)GZ>U;Q`LA&AV+52-G9\J!\Z=_$[.>VKWZ
M4G203:*I/^`_C]97)D@NQ?GILL:+KB"$?H=F@D(%($U*QT>/0!\R%,COQJH[
M6[<2CN(]52U:E[])&M(:TV+F9F&/"#@*'[`_*$VPKH^0M<[3!B^6LC'`,W=/
M356D/5FY!-6P(,O.[`?E+BL[TVB1*:]GM1$AH8#,S$=7\+.>WZNFZV&5)#0+
MP2HD:_Q2)8^2'%*K4^[F>_3$C1[9*.F':I%HM!AB)-VY\4>*4<;<:?9::9T"
MDS='!D8`P!@#`&`,`8`P!@'PXVAU"VG4(<;<2I#C;B=+0M"M;2I"T*UM*DJ3
MOTWK?X;U@'7BCX$+:]PH42)MS2=.;BQF8^UZ3Z^W2]M(1[M)]V_3U_D]<`Q[
M5:KC*T.,@`C2V]M;;6T*@MK1MAXG(8VA26-;3ME\W-6CT_Z*Y;V]?BZO:@(V
MSR?ED<7'",<UH#`6)',PXHAFFUUL7&B6.*W!L,6./0.3$9CGH3*&9J$HTF4T
MC2'=*3K6L%JSL1^9\XB2XL^)S^D19T$0W7X4R/5`+,N&!9>D260D60W`2]'$
M-2);KB8R-Z92MU:M)]5;WL2K,D>I=.M4>3%M%3K5DBS5C7)D8\"%F(\MP,^]
M*#N262$60V^L5)D..1MKUO;#BU*1[=JWO85/@E1Z49'21!BH5<J)FLNQY@LE
M7Q,X=+8>G1RCS,F%*B.QGV72<-J0I*D[TI]I#F]>]*=Z`Y`=-J%8E$IU;JM;
MKTTR@<V7F`P8P3**MAXFH`A!*1`BQW9R!<'6F8VG=JTPUKV(]J?PP"28`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`H&5_>E!?T`VO^L2F8+ZOI
M+^P08`P"+W:<3&5&QD`OR?=H8B9('_%'U+<^K;:4IGV1=MNZ?5[]?@GVJ]?\
M65<<>!'PP*RXG:KQ9V['NYZEZ5"<%Z'?5!DB-^U]$[<KV:3$B_/KU:1Z_P#2
M]O\`[/7-327`D6^9Y<4?7EESCCS5A>,F9D+J7,>M7(G22DGL'53:I?-N77@Y
M'=EG+84#V'F5N[#9C0YF8*")3"@MAT-BU?52W9*,'-@V6!U3RU\F:`$Z`PW6
M9D0OSJ^S>?`"&N:&GJWT(_7Q=QZG'8U+=^[DI`:Z\I-4P=`T*8?E3;&HK$:D
M1W(ZU,"))F=YMW?R=1WZI\J)6,99JH_U?MT8\;O%5:J9`N%']P["$9H5??%C
M4,OF.9<N!54P,^).E$H!U+LIU;'QNI!J-*GW?O*'S!K/4>A4>M<K;M,0"6OU
M2IS[?/[2N+8;94!I3R$#*49B3-07J_;/'J8+K+#[6TI5=M/MH<^;TB(!*-"I
M#?E3Y(GZ;1ZG/6R?F=$K'2HQ4C4ZG/\`I[13CP3HPH,2%SPHQ<P-TCG9FM-M
MF(L946",3*@;>=?DSVV&86BJ9<'=?)4%TP?8(]XL]H<Y]8.D5DM4S',7_ID<
M]LO9/#X35J6X\,2/3IV-0[43+P33B)1!33;BU+VPU*0NCPT^7>7MV?KGE4![
M!>XU#)CXU`JA(BR'KS_'B=A6=C5/D7,NEO:>N#1Z,OTN%DM1`*IR/&W],S&5
MIC2I;:E)&4HT[RF)7EEY4V8MU-FA1GQX:G3[];PSMCY`3(GU0J?S_IUDC\</
M18#@\4)+R+-1QT20IE\D488)[9VXF6\Q\$-98F)Z#YM>00]_N,L-(D4>B4LF
M:(0KO<.-&;"0H<D&`\A7H7/;+7@7TD13=HLG*@+;3BY<D@F&:1M3L>05&MQJ
M%%&:;\FO,^UOWUL.FH5!4"V&A\`=J@3[E9*P.K/.^\72MO2*^S-&ZE5GKL#G
ME=E1R<B8I6G2SK,-&]/1OBA*1.<UY/>9("T0ZEH?69R@@?HY)%A.4(G7&>J3
M1(60?6!`!6)!*1]^HXJ9%=APH+_O+_A\[B4Z?4BC*B[.)=$\@BOD%3*KU._3
M7Z[&I/7!SX]GEL:G@N@V:$%\9[V",*ENJ)R1).LQ.F'AL:/'F_#*BBG5.)7(
M;DJ2(TJ51Z-8,C`&`,`U5\IO&X%Y&!JF.*WXCS^969MA='E8,"OE74,V6OR:
M\1)!8]A8>:`7RO-243:]88>T$0))I+S6UH6ZRX*G0C]M\,*;=.8TOF1JVV)4
M*C<(D<.%E8T00Q)E1TG^0V@1;2$3454-XN.-<:&N.1T:1$E)?D(6C6E)]@JE
M3Z2!'/`VES0;P@CT*17`,ZK#Z]/'5FLUVLA=6F33^Z\\EV03'D.$/MKEB;\A
M)\A<);DG;I2.R[MU:WG]."J6)(XWA!SYKHG0+Q"LC[4JV7HS>])8"AEV6O%[
M@/-*MX7=I<V[-DU@V4.I),05,-*CO--^KKS:6M-B9F8"7^GMSR5;Z]<';21)
M2Q(L0`GQ+&`"G8LT-7Z/RBJ`'1B'/I$`K($*<B@E8I#29'Q29+VM,^J(KD<,
MQ<5$\8QG/+[4[T!NIQQROBBH`D((#A,B&>#$^6\1YOIA3[34>0,F17^"AR27
MV]J]SC\IC:/C<;VT#E54-H<&1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!0,K^]*"_H
M!M?]8E,P7U?27]@@P!@&*.&(E?#DC<_3VX0N&]-E:CMZ=>VRPC:U_$WM2-+7
MZ:_#7KK"570/`B]'Z-7N@))*`I(IT*5%3*^OBIC>NYFGU,_%[7GO?KTC*]?Y
M/3\,U*+CQ(FF:E4[SRYVJL!#77DBN;GK+T.PTABBC2%@M%JY_P#EPI609=':
M8<RHUC]GAJO%K@*;)(UJ:/0R5A2HLR9#D(DYDWE?(E#/GAX^+0^_)G7X9"CP
MI]@<)%.87J",_(@^F%^AN=,3/>":C*YY(I@1Z:R2TKV.^YMC2?J74,J#*SN5
MOSBX-;"M5"@Y=WFD+.377WVX_/K5*9J-I43N8>#4[S,A#Y4.LV`P2YX9:ALO
M.;2_N%K>E^DF)N0&5D99_4"X<_(7ML=T789BLER\RP?D]]8V':!?3J]R./S!
MW34MR2OH)JX6F`W#C(0N*XQ)0ZJ0A'NVD,K)'1O,?GO6>J<ZHG*VREJK=SJU
MFL<V^.`+`-K<9\15J);85>&&)@]D;.LC8B_P72$)2T/P].^S>MNLR6V0<6E5
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M^_!F`F7IDG_N&].*%2:X'=9\\N4D^@<SK%+BFRU!MD5R.5OVZE9(``2<GPN8
MJJE.&O.#VD.6;Y^K"$DX3K;2QS;Z]+]'(LMM@,K)@>\T^:P6)SU4J/5NDI$'
M:C6S;E(H\J3##'+ET^!RX6%G$3$H/`^^;)3=S]Q&W%N_;$H?5[=2(VG@RL[%
M/[O;.M=$YL6Y2%?+<%-O=+!VVRE*^1&S8Y.DJ)#FS429)7IAD?,M$2,/AQ7-
M-3W-[G+>CI2PA2`I18\3;C!D8`P#6CLD;K+UFAJHJK+H3H(PE_0>8B/&^X:F
M3=N>]"GVM[?^#;?KOT_D],Y(9:>*E3,JUP,3Y+\DA=6%\,:)\]"7Y^J]SYE8
M"2#@$*=4#KT:=M5I(_\`TPR]IB'\+3?U6FOQ=2E.MI5Z:SC9M.AI2HCYV"Y/
M*APR/V>?8`W#!5FOQ,ZQ4BX6]WISF]GZ6;`2M1`(6HU`M^UH5!IK<5IUTA]%
M+TM"68FMR71KP]Q\Q0GFO>;K]/TU5KW5Y+W"+O'H+M5C/@OMTKI7#NBF87YH
M$QFJX&N''K9JQP)+3TUV?/"CFE(8<;2U)4+X5P+>ZL`\H4]EZ8<YS^<P=6'D
MU6ZN-5(90X0_HQH/7_$P.$$6^;.#R#=A$?2NWEC;;LAAU3<5:/F2B-#TD14I
MB06LWOS##QH8"77NUVEXG;H==$7R731L1BQ:@=LH!:W7VQ5PQ"&D.2UR5R\J
M6'QQLC3T;?VZ0H6](0Y#<4'A(LX[YT;)4FHPI'=H,O?$:D-O-TF,4XPDI;#]
M?IUELMP@2%5:)1ZK;`-R)F`C8YIF;(2S`4ZMEJ$N'\@OA,W;7O,H-'Z`&BSN
M[3RP.$/#<J*010(F"-\M'=Z,!^EV.VD0%>>GS.Z:XM#CR`NU--.3&7([XV,\
M17,;T(LO<>D/%F;G'Y+SEGHAUZSW=%/!:LU@DUZ34YA<KN`SN1.GUN:EN6%(
MO>NMR&'$-+0_[_5MO?\`DTC+XX%G8(,`8`P!@#`&`,`8`P!@#`&`<;SS,=EV
M1(=;888;6\^^\M+3+++2=K<==<7M*&VVT)WM2M[UK6M>N\`Z(<R'L(R&:`%1
MIP.0:^>`6#SHI,9.9]RD?-#GPG7XLEKWHWKW(6K7KK>O\&`9+`.K)G0H6XJ9
MDR+$5.E(@PDR9#3&YDUU#KK4.+IU:-R)3C;*U);1ZKVE"MZUZ:W@':P#K,38
M<IR6S%EQI+H^3J'/:8?:><@RU1HTU,66AM2E1I.X<QEW2%Z2KXG4*]/:I.]@
M=(H?!`V9,@T:$AX\(?(+3'RA&&/9B"HBVT2R<EV6\RA@?%6\C3CR]Z;1M>M;
MWKUU@'/HH,W`CE=$8&Q<MN&[%):EQ]P)+1!3*(#L>9\GT[S<Y<AO3*DJWIW:
MTZ3Z^NO4#DDSX,)<-N9-B1'"$O4`>B3(987.G*8?E)A0TNK0J3+5&BNN:;1[
ME[;;4KT]$[WH#MX`P#K19D.<TIZ#+C3&42)<1;L5]J0TB7`E/0IT53C*EI3(
MA38[C+J-[]S;J%(5K2M;UH#\=G0F)46"],BLS9R9"X,-V0RW*F(B);7+5%CK
M7IV0F*AU.W-HUO2-*UO?IZZP#M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P"@97]Z4%_0#:_ZQ*9@OJ^DO[!!@#`,8:$0SXDB%()<5!*1'H4I++BF7=L/
MHVAS3;J?YS:O;O\`#>OY,)T=0\2-4OGE;H22*:\W,;T45%5+^KF.R][W$T^E
MGX]N?_+UK4A7KZ?RYJ4G+B1*AJP%\5_'RQ7MJ_1;^8OO4!]V(V0C;2%MIEQL
M$V*-B5(*0Y^5@/`)P9FIAX8(.PM#,*.5BN(;<W-2^^XX[DWF?#D0WEW@H`%1
M.B,]D(_F&O'ZZ2YK5*;`M]D+`:;QJ1S^7SIRIH.&884HN(JMSG41VMM[<&(;
M1O<R9(VY*6#EV&-LO@R$O![F6P%R=D<<37X6^AD8=GU!.=<%QA_4D5:')$4*
MMUJD+CQ8_6)+L0W!>A/I:W_E(\QU,.3$%S?26,GP$XE]@V`?)WZ8EW9:5,(2
MS()Y^::GW6B=#&'WQ?Y835FIE3MW.QTD9&9'M"VV]O1WXK\9U3."9F3^H>,_
M+N=]1"]!&6*V,V#0XM#$56;98$6I331&J4ZL6JV0Z</&C(:[,8KU`&?5;CI3
M#C[9==CQHZI,I3PE6U0E9_BG/;W"Z0J,6.PY/1;A3;,=L%5LFFR(:\<BE5J+
M620%[:)\`43K16B0OGCN,NLN2(RVY+2TJ<;V%6BLXW@_PV+4(=-0W=G88]]@
MA",2;J8E62.>AT(3ST;9=&GUN2'+`,%@HDMF0O2_0FQJ2I*E;5K8N9DML/CJ
M.>\:.E^.]8M%B93T"J=;$*NEL+3;!9$V+K\ZU';%9R))A8Z4[*W9;;*E-IC;
MC(C)VEN/II#;:4B5QJ1]GPTY1'&GFF2_1D6BQ%*I9"'1]W.2Y?\`\X4NT6^U
MU^XL%W8JX+9Z-*N\Z&O6XBH;PO;<);"HZ-(P7,R-L>`W!X#S.PLCHX&$/#QX
M8(0*OQ=L37;'&@T."WT87%E:E*<Z$K]F0-Y<^6N4VN3"6ZIG:Y<W<D,S,L(\
M)^5U\7.#@[/UD9",#P:#Z&K_`#)2[!:JO<V+Y6NE%W",.:I_H84]&1I,Y'QM
M28K;<>4R^TRPEL,S+IY9QVK\DW>GP$T^5)](NTN_V\S8R#$V>3L$D.&KS;FD
M080P=&8B`Z]#C)^..EU[X?ED+>D+<>6(W4M?!!@#`*6Z+V:'SPU&#2`,LHN0
M,:):D,36(R$)=D28^FMH=:<5M6MQM[]?7T_'-QAF53+=".=DZ3?!%BXUSCF*
MJF'MW8B]F;3:[V(*V6N54!3JA+M)AYNLA+%4)UGL9!W4:-#B:*06D-+D2UK6
MF+\#V&;25&V4G8//JB4BU":5;Z9=M$I5_MM`>.#8M:V.G1^>V6ET.Y]`$UYB
MW%K,JJPKO>HC2(?QO%D#X\V:IG<>+IQX7+V%70O/'HTTQ92$'C1>0-EN4TAS
M3GA>;3P=FLM0N,+QY^BLI&[,W<I70+J7.U;D)@.Q7I#BF%QW%1ML)=DBY47O
M5_-(!;KI5Z,(Y7T?9.]VH>-I,N0_1V!IVBR$]3^X=1<>5;OG%UX1OCQ?;D%]
MO1EU#\#;41>Y*TL"93JE?,<;5^EV7GI&D7:UH"WUFMDC]8#5Z%`J<`P:YA2:
MO&E09]XE6"Y$C=YZ9#8;4-@MK^!3BEQF_@2J2&7"IU!GGGS>;07+[)J5PCQH
MU3KMOGAX,FI&B@N/9G>UHC`"NAUC<BC+D'WPXDR6%ON-R1<Z0S%?UIY$A+(9
M74XBGG37Q5D;H[G*KM.OLVO40F-IP:R\O+DD6&[VWEE/U3+%+A7=T14S8&;V
M(-)E;FR$MN0=27V-NMHC[E2HR\ZF)*?J#TD?3)-_:YE?'JJQ-HM.23FE>?!F
MW>O7NOURW1N7;T2N#.H\P%5;*S,GEW-I"ZVA;,>3(=]$[HRLW=I=J'WJG5.[
M"8Q2$+N-:!6H;#-P'11J(/L(N*7AQBXM_>WAI1B/+2F0PO?N9=TI&_QU@R27
M`&`,`8`P!@#`&`,`8`P!@&O7E52+'T7@UYJ-6")M1.>NJ3I-.7.AC4WJNU^[
M5NQ7"@;EDGXHI/Y\J0F<']DQUJ$[];\<A:&%.*T+'!GFS("=R$=E@B.3T?K'
M&QO5;1?^N\XY17R],J]7H[==.^'=+)7'N%8!V)X-JKV=46X$G@T)TCM39EUQ
MZ-HK*:VP-X4QY?\`R2F@TCSD'5<B>NA3K=QLXBF=FGRZ$JT-T81.ZU,"<?K@
MUL18!_3K&5ME1G*D6LS768TFO#(<QO3+$8=M4930CR\C`#^4^86QRS6HW9W>
MA$J%%$#CARX"50QL"H7GS!8JJW*Z=Z1?Q]>Z'JJW.AR$3%RR1-UM2DRR,A]J
M;ZP5C0RUSG]LY%U'E=+L-_['*$$NQ<K!<GC_`+6ZR2.F1I[M/*?VHRNIB2MB
M8M_0ZA+H\XO&A;3")_:&6INM)A)U%?3>9<&JHO.^<[\F2'<[=9ZR4OHBE"[^
M"L-0'5RU@P=<L<9R1X@BC"[0'9E,/V2%'K86_-)CDM+1[5/[TC;OV]2)B966
MF/RXDH\AZ!8A'8"?=:=P*%VLI'\5>C\YD`?CJBWKE9975>0G^>4\PFS$H#;X
M`8J,8*N?])+++,G;6ERG&&G*%PH^TJR_^-W1[KXG\`\:.>`$Q@Z8BC'0RO5D
MZIS`6540Q4U5-/UJE$K#("EFNUD0]@#C![LH>-C`?IE/:0AKWBIJK9%R37FZ
M4L<^S(YO<CA)T+0;O.KYFX`*O7:S=X'C[=ZY8^4\]>;N!P,Z`G])EM$M6B'!
M$&&)DSZ5]V3&2PY%@\/`E(SGODC8/'7E<:W-]5DWND^5D6XCFW;3)`7)?+HE
M\L+5,DW1+/4+<1.UD6(-0I!(43L!J<X,C[U)T_(:^'*,*]U"N*%R?S>*T.(U
M=>@]Q8L6ZL7B$(D:QC:?,"W4Q:.""+<J&2WT&_/6J(@6/NA,"0W*CCX+9%UJ
M#!C-LC4-PK<>5#-6'E?D&!O-C/I%>0Q$`:)2Q]A9YETR(,)3^4`O)+R5-0Q]
M3CN7@%##]$*UFY44BX1;U%+D0;1-IR;]9MYEVDJJ<OE0Q4WF_GHW0Y)D@4MY
M;J,A<2.=4W9:].1`J\*@^/4&S0>>,"SU6;!6&QOQ+NG3XR<*D2S*_E3+CMZ@
M.,A6->XV1\7@GD'7.C$X'42/2KU5I?'Z(\F\W]#=18`VT=##0]4\/1X'2+V.
M.33$-Z7/+&'VVR\0E'=CRIQ!F3#U$$=*8=IOG@R,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`4#*_O2@OZ`;7_6)3,%]7TE_8(,`8!%KL-(F*C8Q8G_\`F<\1
M,BP?\O\`2_\`>76E):_[QZI^'^=O_I>NO3*L'5D=:8<2LN)4NX4]NR)MGK[B
M#@M4#U*?<_YL9$[4C\?D<^'\7D?XO=_]6:FTZ4)%-<3SIC>//F#S;AO.JOQ@
MC)#=270+YI@CJ%RFL@^>=#,=%X:1K4*Z.@1;;EWJ,*H5RQZFNO(*SB/R:2^M
M3ZH[C6#FK&N/`^6Z1YF27;],MDSR,FTXC;1<<ESNJV"MC+Q*YBZ*NBN>/4;I
M3G85C6;C7Y,FNP[JQ`AUY)!4:<^\\1]WOD">'E2I:=MK'E57J;X6TOG%3MXR
M51J%R6)T(H$M0YR$/+!)G,@=\IUV$LW^KU6:+9HS!MYL@N#9VW)+.V8$6/)<
M9F:!9<:D(K'(/-8;$KK!"Y]FE[JM9K=JB.$^JBYSYWITH+XCN6D=:GM%/>?K
M;)N%T?:!3V_LK>G9"66=-+@)2%8_+T__``8KH%!\N^K4*ZUH[5>N0$A.73JD
MB0BZ4X#9;7>!%/OOW4YS\_6K@DV.BV@_]HCQI;DH6N?KVZ?0TQ\F\8CP\CLD
M^;^:$F^6C;5RZ[SOGTBN]LF4-5"!5>WEF]'[CY"28D>TP7^K5$4F\/A;!2B(
MN7,'DB+CT#Z=HC`?<(N+#PGI1PQZZR./\Y<Z-6I-/O&JH+:LE<FV:=<9HTA'
M9TPI$VR$R1HF4FR&FT/.JDS9TAMQS;;LF0M"GEC+XX%K8(,`8`P!@#`&`,`@
M-IJO.SD]J5;8(.21;B(8:62EICOZAI=>6A*4;DL^K7RN+WK?I_+Z_CFDY+@1
MI/B1CJ]1X_?VZ50>FQF)4DD;D%^>MQ2U@KEA@V&L@R$F66J5LJL\18:T4A5N
M1+;<DQ)T5QR$^\QM2FW7&U9^<TJK%&!9Y3X^?F81J#&"P[=3-S;^P@1=S0PZ
MV.Z.69=(E+(T,L4:98JA>CU0;<?C%=2Q)*:-TM;3CK&MI"KIW&"%^)'C'7QI
M8`,YX)@1CR'ALQ*;-:=E$-RH=0B18`DJ]8EF@2!8_G01H6U`?CZ%L"(R(6F$
M,IUH,S.>#S/QDX_8G+?`"UP%;2)BR6\=\!(T?L<DG7Q%U59F*/6=3RY/Z<5!
MZ*>??#!(FH[<DQ*?^E^HD*<4%6R9D.*<5FE;)8B%1KZBYPP)(64JJ7)8DOG!
M1RHVT/(E/MSFOI)\,]4@TUGV_&K3D5E6OPW_`#@J^!2]B\:/$&N3Z@Q8:'%D
MDB]GETX6J=8[[89QRUW4??3#S]V?D6(A(LQN4.LM@4P4.JE28C9*0AA]I+^T
MJ%K(M#^SKP&+=YW1%4L.W;M3!1&5/>-FMQ()2%.HI6$5C@G3.P`@M-G\QK[T
MB4S%9D$%AXNY"WOB3@E72AA)_B]XWN)E2/R9'&:FCPHQ7Y<N%RKF]R*%(;G`
M#(YJM649]+>JLD,EB,<C:0=C0X^XJ96HR=M8%6771K%6;+4*D;J<]<RNFZI6
MC]>=ENS5$'ZX=%LS*_,F(++47T[-@^F_=*_RZUI7[][7I6"$D7.A-Z>4N9%1
MJ,AI<C:Y#*=1T/\`K\"WM[7K32'O3^9M7II7^#`.U@#`&`,`8`P!@#`&`,`8
M!C#1H-6Q)$_82PP""$0WR!8T:GQ18D7`C(V[)G$2,YUB'"AQVT[4MUU:4(3K
MUWO6L`"28:P#AMA!$!AL25'QYP<X)EQ20XD*(--2XLP:3AN/1I@^<SMMUMQI
M:FW4^U6M[UZ;P#)^O^#_``_R^G_N]/7_`.QZX!BIIT*-(AA!`J/A%+&_,B@!
MTJ6PQ-,R1T!\I/8&1G%I=FNPQL5Q]U+>E;0RVI>_1.M[P#@:>K98O)^!T&3/
M51_4&9\3D":7K<DJ.BS]0Y/LVY-#ODA,ME[XU?&IZ.ZA?IM"D[V!WH!085;?
M>%D8))F+.GBY3L"7'F-QB8N4[!)CGUQW'$LSATYA;+[*MZ<9=0I"]:5K>L`P
MD6\TF=;"="A7"K3+R%'L%C%+BV`3(M@D5*^G^F)DZZS+68@#Y'U;7QO.LH;7
M\J/3>_=KU"G/D2G`'KZ?R_A_)K_[/X:_^SO`,>*+"CHZ(8"$QYD2093(@%!4
MV,1'38ZM[TE^)-B./1I+*MZWZ*0I2=^G\N`9#`.@+*C#@V"9"D8!@04B,3QA
M47,CD!I&#*;2]&FP9T1QZ++B2&5Z4VXVI2%IWK>M[U@$5,=.YK7FUO'^AT8&
MRW:(U(<=,6P`,;;NDR-&FQ*@M<T@PE-HE0YC+K8_>_JUM.H4EO:5)WL6C,:3
M[1QT(FQK,]9YH(13R\,!;5D[W5H":L=(L/RAX2QJE%6M!"\Z+&<<9C2?B>=;
M;4I*=Z3O>@HRPH<R&1AQ"`^7&GP)\9B9!G0WVI4.9#E-)?C2XDEA2V9$:0RM
M*VW$*VE:=ZWK>];P0[.`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`*!E?WI07]
M`-K_`*Q*9@OJ^DO[!!@#`([;C;M;K!X^PPW)>$#)<]N.\M3;3RX[6W--N.(T
MI2$JWK\=ZUZY4JNA&Z*I7O(NGSND-GES1<,;L.X.0WJ')>D:>U-3,4K;GRMH
M]FT?3:]/3U]?7-3BH\`G4U(Y+Y;V8E)Y\;Z%,23_`&^#J!8J#1*O0I(@#0@%
MXZ!%I'T,KJ)`_/9NUNI#AP:U9X7TD)YB<]M4=EMG>FTX.1QIZ#YB_J'!C$RL
M0*QRTG9)EZJG-"]28@6N&VRBT]`L_$JU+H]O,OA$5FN%JSKO`F:^B//)S%0F
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MUA(<`I->:B0O<0)6K4RZ]PB.O.*3%7'A-2U;]RF8S,H11PJ5'5_U'31&O!5F
MO'VPOW!SF'.+598-1L3Q.H![SU`+5[-4JBNZE:N(`P`A2O6^"O12:^PXW/?U
M#3%=]/J-BN./'`L$1YZ,&3I$<SQFY#JV.Z^/Y5+Z:<=*B>8#/6V=`Y^9-G;D
M]4ECABV+USQP=!81]1&E+,B/J9<%V:MF.)EP[R:TWRAO!_E7`[&1Y(.3U/O-
MK/5L-01M]:37!,6MQ+C83!PA=B5>CN_#'J%.=D(BM#GI+TUYMC6M-:=DM!3%
M]B*K)_J'I'B8!5OAEEE(-U']L(%K5VJS.YO`G*5TZ^1.@3%J0O[=:98?DA1I
M-<]'7$RWHB%RTMN2'HLJ,I*XGF5<(J[)'LW'PPM0F7UM0HJUTM+P4K$IW>'>
M#\Y%*88I\RSKM_2;)[4(@0!I!3+J?B:W(?>8CKHRF+&>;UNZ!S[71.3<102!
M1+3X^T8P]?;\Q3I4&\=FM/(X9NKMAXU:.%?BIU5ZQ%D;(2$1DR)R-L)C^Q*W
M-"Y56C-H^'=D;[*&MQ!ZMR:48J%]L-)+TPU.4Y<`:A"H[HQ^WAW!T!5<)6$1
M+8)18Z%38SPV5&E1Y<AE]"\&6J%V8(,`UUZWQLWT*Q1#(TF'AL1P[(U31!,M
M3VW6Y<R1M:=L,.H^/:9.M?R^OKK><D9Y50RU5D!\J^).]M#4VA1[/4`\^:"Z
M*#0(LTF2A=EBG*9]D)QQ\**R[)GQ(D5_:IJ=)W[8R_QUZ;],X^9M.AJAT+].
MFS'7K"S6X_)V`A4BRYH7'4S4Y4ZEA^[>2E_`<FD3I/*.B"QU-B5'O`UZ/K8V
M?&&FZI%;8@J:4Q,AC2G]/^X[MU\-:QSX4*L]JN')JK.A7#H,H!?+Q*DNG47:
M_P#8/'>S\Z,.VPC`BD25X!4CC<X6Z2TIJ7K4C7QJ;BJD[0"?)$9#>`O52\([
M8RQ3@QRPVQSI4H8?%I^(6,<ZGP1'.B?0Z=JN\MKT"NS+!:($.<X,A,[VD6]M
M+IB?(CI=E"YEWDO9_3VLA<[8';EKD94#(*W&4XT[%,&)74"IL1Y.(K_4>GCB
M8!D<CHU>(=P%QVM)64^)@;(?:F)W]%$C"9B5<W\-^R@.W,].N%KYW/AQ#E)G
M2I8/ZJ*6M,2F/7%H3)+"8M%!::/"P%D8@*FD2UAG$7F7Y:I,5$A,%D')4H8`
MY^GJ6M%^[!8[3.J5I@]`Z59+I#D64FLK#+`S0KI#U:!V6CHYW"3HMR\]<(4<
M.0F'[![1D/:8S(W7I'4&;#`AC?@Q>!/4J-6J_7.;PJH``5*P1>AL1C8U[F!*
MOW'@YJQ(YC'B`7H*KG?9_,C"B"5OB]O1S&Y3S\C:Y<60+F5",W?PB[;SZHGK
M34YE1G]'JE1!*Y=<*6/M9KH!_JC(C@5;YY5;@*0%@QF>.\TM?,9$EN2X0>;9
M$3MN.QX&F9CLD,R?S&;._IFVA*;^/`V,63$$;95IH6*9NC`Z/>^;A]Z1'YMT
M$7*X;=8T"526TL["&)SMQ0GZ%I#$`:EUS:!%)'K?3*^BI4^J55IV8^U6:T"K
M[;Y`I(-SWD!A<4<AV<:F,199>8XF-ZNRG6FW)"][<4E*E;UH8)+@#`&`,`8`
MP!@#`&`,`IKR#HPSI'';K3BU=M]JC$X@R5'#\_*UH+=_NP,Z+/@2U4(W(F(J
M3)ZNG!<<C&23?U`>=BZ;?0ZVM32Q4Z,\PS_%?-1JG764(IUC9Z_TQ'+K%:+E
M4>KH!#A=JJ7#9=6!IKE5@=OHU4KKH[H(B,JRML,3`242T/PQQM#>D1!NL:]Q
M,NB^.?DL[$#6JN+Z04ZA,'^00\]8&.SF)21U>N'E'RZ]#JL/#3.LT47#19_'
MJIDP81(R0.2&EKCMJF"U^DYH%)>@E?)>%]_%=YXK9NBM]2NP^@,3I'[3+IT<
M&R(@4TKX]!Z9&II?E0WHUP8>ZC%ZGLM(G%XZ"2GH<I*UFYORJ:9$;5&D5]-\
M>O,`,GNESC0QZ3GD-#=NYH+R8M]CO`N]4KKD<YRZDWZUE^Q46-9:Z8XT;W3#
MQ"ME:])CA0#>HSBW5L;Q05CP["SZY1/,5'>./ES@8B(HP:ZW8_<B(/IKI>OO
MU6X$.S3)U1L`>;?Q,0G&`/3ZG]E6BI$B$AO2G'R$#</498>&C*8[_P`H[-3:
MGUDV"YR5KA;GMX\N.\0O("F6^KB;3>@W8*9>AE)Y_4)HXCOH@6ZPW[L+'R'R
M$2*,&M4^&^Q)>](B&85->@[L[A/FT4-$9`JV=IIE470NO1^35Q'3AAT_3))I
MWN3->I_5;A*[9I+I(C!LE3>%&&(-WF!WA3#+<X?J*[(DT5C3D2.]<%\D;+U6
MQ-2*QT&9QVM67CLZOB1W<3KF[</Y-WCQZLU<L(\G8>XNG7+GOFP"VK+MOCZQ
M$?E[2TMPN^ZU,P2JIWF%9X3YL/PFPLHKTN#8Y`P1",7</W)L34E<X<I%+#3N
M>@Z^.MD>2(ZI"Z5%+'%62.+CN[&N+:057M]$!H*Q-D.%<Z[_`$3NKZK1^=S_
M`#!=+Z)7V"=UZ,[8Q53@B^RV6=R&!3FOV@F#-J-6'F1"&D]+L0+[G#4-C:;,
MO?*_#T(Z4[S">,W&O)"DW*HV?J)ZW3$[`KKMM'$NI3K+6FAL'B'`A@A(^G_>
MI5:B3T=9`VV0N;$B-S7%RGG7'5,26TX+)KD:]^3/AYUNSSNI.<SYS#0-N?=>
MKWP>FFS>:C)AYOHWC#QGG#T>]PKE-'"V^5=%OM<-L7EX=M-XU';8E"'&W'7'
ML!-<S-)\1NR1[5Y$1ZH.*"J9?:I,X]64VC7,H4AB!VGOQ^^]GZ.&FU<T6-6,
M;SVLW$M*K<JP;A'WG)*8NX"'42)<P,RHJGK8)%#00H:$#PHXT0&'PQ0H=$;2
MS$@#1T9N)!A16D_S6H\6*REM"=?@E*=:P8,A@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P"@97]Z4%_0#:_P"L2F8+ZOI+^P08`P#ID/M_T,K[K]']MTPYN=]P
M^'Z'Z;2=[=W*^I_R'P:1_P!+W_S?3^7'S<08:O+IZOJ]51=:5Z;9W.U7E"]^
MF_\`*?3[EZ&[_E]/?[/?_P"WT_PY77G4BIR-/AE2\);L7><"\TJQDKW0.!N)
M%Z!1C43[N%,6TD?'VF6OZ&&S6TR[S47"$N0W]+(<)M-2I'N=6V[N&_%]!E*E
M4?"09U.LUNE4KD$6ZS:17C-)(5^!7/M,D!2#5:A`AM/EPI"A[A2OSN;AG]QX
M*/F0T%A.N;WJ*QM`>*G<30/R;Q6JY2TAXO.^;50E9#9BME8A4.,"KMTHU5'9
M)@<#:)[:^]AG:U=I493$+2HC*)$IA*$ZTXG!*LZ]?J7B!:I`SIU:9XZ;<,P[
MGT<=:!1H)*BF0MPF:@7RQK6P1W"*5@P9VK[A\J'!_P!R<<<<3J4XXI0>)8'W
M$XYXBC7*7)9K/(TO<F.!V*5(E$A,MZFG[`1@6FK0(3\TB^Y%G222HTX+&<WO
M;2U-N0D(]4[V%6289%\:;?$_:L*WR4_`M5G@LIOD657)D(]<`UJK"1L9!U+R
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M!8C2(I0)(785"+)`.V8Y#<BS]O-["7,,Q/E28:F_HR[.I*E(D^KFPJT=*3Q#
MQ(`+T(?I7(JXJ94!U'0(:<#`-2:GSR5#MH@8V,C2X27=49\`S.C/I;W)&(B)
M6AQI#?X!5DUXTC@T44N7Q"=0Y`[H\>-UIV74#,`J_;X%F:9B#[P[(:FRYQ(7
M.C0&XL62I2HZ&HZ8[6TH:TA(.O,NK!!@#`-$O-;F/5+\[RPKRJN7<T;JK76$
M02="Z2.YL4J-OL_/I03G=I,2YMGJ[IZIAK@J/((P&USDK9:TXY!FH;^F<&HM
M+B:Q_P!GSS;,ZZ#NR=%ZM(+3+IU(PPS7^CO4*J$)D>C^0BN/6*F%Q/9C9Y`)
MRPV6E1I8-P55!45X+%6\/EZ:FRWAJL>X_'_&?RON)6S&.AGKX?/B>S$[O58?
MYVU7Z/#::JWD6/IEHI$L?V0N^I40/>*R#)B':]6!ONA(=5%(J3)GN!6*^8G]
M$XMY`4'HM,+#*YT22R]WA5FZ%&(]3^JYD>J]NY;R$+8KQ+^#KT2PP3U`)U\R
MP(#(!$P<Z4[*0Z/:3(@F(8E:HS5KX7Y,;Z\=Z56;'T:6G7095B!`)?=[&/H3
MH>%US@.@HIZDMV)RO003O((=[9>C:'NZVJ>ZMQEV:J!ML*QI0J>A<7\XIRF3
M=GE=&K+P*QNVJKU5WMQ!L7#-D[+XG3#H\HVGL'495NJ<>'7^D-0&390E'7$F
MNN:@1')L:*U`W$I^^K\IN<@)I/K\[IM4_.=Q*(YES^I>0:!%JB=8L<'B\2+,
MJVY7<;=;^D<T"&8MJC-!DRY4F8HHS,U6XJ'O2%2X/@6HGQT\VSH2UM6+HG8=
M6%9GJ19M(/JLBA!)%Q3!=9H%EJ101V:U%I]/,ZFMK;$RXM:$C'H#>M@VE*?<
M="L3N67@'FZ[:;>."7_K`VJ1*5T6N\H<"]*W+4R&EW/M(\(#M]Q.=CA&(5H?
MJ)VIDAAU==/&FG!<>.X6@[:F-O`G'F;2>/W&^@<_[A;K/<H%W(C)_/[!2:I:
M#742US'1*O6_(WL]AHM>,##5T)D)1YSEMQKZHA-Z#*F?3Q7X\N8A].VWAEM4
M-Y<&1@#`&`,`8`P!@#`&`,`PMBL=?J`(K9[6<$UJM@X3Q$T?/$8@D.)@1T^Y
M^:1)3G6(<.,TG_I+<6E.O\>`0@GV_C06@B^J&.K<[%\T-JB(#W\A<0$.GE')
MRWD16X%BD3VQ4IUU49W7M0[M6OB<]=:]B_06CK3F?LWMO&QTRVCI_5N=0Y]!
MK\&UW>%(N=>:E5*LDH[$L>>L4=9#3H<3.BRF7&GW](;<;?:5K>].M[4%&<YC
MLG):_7JI;3?3*(*J][D0(E)L,ZU!(X:WRBL)XF-8K)%R;J*<=G#H[DAI,93N
MUL(4O7\U.]Z$HRR<`PR+$#<L,FIH)Q%62(&A6*2&TYK<Y@&1G3QL$FXSZ>J8
MDJ>+D-(5_A6RK7^#`,S@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`4#*_O2@OZ`;7_6)3,%]7TE_8(,`8!@+4&78JV<!-OHBN%QDP>B0X
MWMU#"I3*FM.K;2I"EI1M7KO6MZ]?\>5.CJ'P*YY-RV5S=1W<DO&*_=_M_L^G
MAN1/@^B^K]WO^1][W_)]3KT]/3T],U*68B5#SZG?IKQ`=,7!K]L:#S'.9L`+
MG/KPH^9.6,^-%=J8DFZ^,,VC4.++F;ZGK;$)MV*RMQE:-J0EQ&V\')GQ/C@W
MB%;K41)]@NM.Y]RHU.ZQ6K;4JH+YZJO.5\%3^S<BZ`0G!A4J6\5I[U]%<RD1
M7FG/@E.JE(?DM)2K;&@;I@B][]X8.WGL9[JTD]5E.3K2"L@)HC653RM?4-MW
MB;82"81)R1O<:22@^.$J,IQG3>]_<F/=ZI86E8F;"GRYFOS/Z:9:5)6V>.\^
MFC5<]K%*AQ(@\[$"!=TU<VMI8;IB$)"G:_T"D2W)!:%+=TQ$.2Y+C:)>E-/-
M"YB6:\`;()M=MMM9/4V/;B'=VNG4SH9*7:I)*I5N??.H78@.5S[X7**7*`QW
M5B=?BLR?FC31CVW/D@NMQTLAFP+8)^*5N_8_S/GE:G<YKMHY;W0QTBG7*",+
M,0ZP'(6JXRVS$2II8<#6&V2Z;;7QL\>12L9(5*?=;>9=3'>:$JJU*CK?@+T9
M%Q5;KATVG3YI/JU./W9P96RVM]`YB#U-)6^JD8#A"&&K<KHEI!U>8_%@1]C1
M\<0N,G4C;OU&"YER,>?\%IU(HR;$Q+KEIM57?JAXBR)YO)/$.AM4NF^-%>@T
MRPBXL]DO8:@8+\#4N?#2X\O[?/UIIEUYC2'8,U7W$S\-_&CJO-94/H9B-3.5
M?G+FEL@6RAUT*XY,5:SO1B]MH4UT--?GBJ3$YQ6"KT+0\;-6@EJ6AN>CY1[+
MJJ)-/`K^H?I\=2#I+SK'T+G)X[<Q_0*E9IZJ\<6Y6A_1.:\AHQ7K'-GGG=1J
MWUB*4Y2J<Q%CQ(@EJ*33":6RF$EZ2#DC(V'P!OEV2S',%N&4I@C1(-6+/\[H
M9B(]5I-5I77Z($@<YC29D1H/2KI$ZEJ<>&N.:VTMF7%;<E)G?4Q@S)$]KWA/
M9R-E,="Z45Y9-O1ZZUJUJ>KU1(3(E:@BNMA;^8`5XM9)$@U\!NOADCY#N_@3
M*<6I3C7P[^'`<NPFGC#XMW/A%M#EI)/GX^OQ>#T+EMJ$TN"75^>KCSX35JQ7
M+TXR<CI326Q-7KC\9<(8\J.3^X(5*1\T!I]\1NIO5@R,`8`P!@#`&`,`8!^;
M2G>T[WK6]IW[D[WK6]I5[=I]4[W_`";]JMZ_]V\`_<`8`P!@#`&`,`8`P!@#
M`&`,`8!KWY5<]L_5.!W^B4V*S+LAINN.CVMDXX,DE(6W`#TZ353TV--'5^^P
MQPMYZND);+L.`=;B/R$*8;<UL58,\]K9X_\`D%;/'2G<+BTF]C[%S._V+H!2
MZ"+_`$VN])L4/KC'DA&2T&Z82'2Z88ZC$B7@3^TTCJ`V-,M'C+8SU=4WK8U5
M5J9"/XG^00^<`^2FT1[7)3[73X$BL66(("]:+%>D^,O29_+@8HE$7-J0FLM<
M0G"8+I528FD1P>]+VWJ5]&%46R4X'V0=0O%Q0P0;CV'GW;.I=/O`'F-XJ($O
M60_5FNN%6*H-.7`?^7SP6L2N@1!<]MA#"Y,>.IR*K2=)UL*JK-?>J^+_`'ZA
M<_ZKTP":O$BW(IO4S!-L)VWILTB0V?`^82R<6LC?NT]@46)-VOFD>(N!&;>A
M?98^XVD*&M>X5-5I\N1*)?B]Y`[CR##=.,2*G)(2DIXLUW<D-N+-+^O[6_4J
M6_U..8V^N-3[G<@MI^/15R.TVWN*PIY4)AAT2J*^<X'Y9]%5902>L7VQ@>7=
M4KU!GDJG=9P4_9E2.6%KKT.\`I=M)5D/.)\]\A^H;9@*=>6RW!KK&D-O/0DP
M-BU2+(!^-'E2!L,BRD#MVO%N9\E0MS1&.]"$1N*V"IL6_H$A5Q.`H5HCW-*Q
M?/+9!BLPXS$;Z(P!%MH&S8,9QUX2L?\``]=\&!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P"@97]Z4%_0#:_ZQ*9@OJ^DO[!!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8!&;E<JMSVK'+M=CD"M52M#WBATZ3=VS!&P&/33DB0O25J]/<K2=)3I2E*WI
M*=;WO6L!*N"*\&^1/%RUFH]-A7P=NS=)&Z*T01*A&!\BSP]C3AGT&+(#8K#D
MS0FM$).XREIDZ8B.KVW[4[W@M&8=WRK\=H]=+VZ5UNHPJN"MWY$)6"?+?@"&
M[6E4[YA$:=,C,1R"X;0N6](=CJ=8C1HC[SJT-,NK0&5E@`>L<UM%VM/.*]=Z
MX8O5)CPY5JJT`DP^7#1YR&7&'949*O524:E,Z>]FU[CJ?:2[[%.MZ4%'2O(S
M-8NU0NF[$FI64+9-U&T%*3:-!B$8ANOV\&B*X8K1;Z=Q?T)H8B:SM^.YZ.-Z
M<3[M:]=8)0E&`=:/,B2U2D194:2N%)W#F(COM/*B2TLLR%1926U*W'DZ8D-K
MVA?HKV+3OT]%:WL#LX`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P"@97]Z4%_0#:_P"L2F8+ZOI+^P08!$;W?*?S*JE+O?3\&L50+]"DF:(J
M<U%C.%"4,.,8]K#;S[TDB6(,1F&FT+<>?>0A"=J5K6!QX&<#&!UA$"SP>3J8
M)-#H949+TT\QJ4/(1VY<.1IF2VS(:T]'=2KVN(2M/KZ;UK?X8!DL`P5?LH.T
MQ9LVOD6B<4<=L%:FO,H>0F.<JQF;7SXY>GVVE;=&F1SS"]ZUM"E-[VG:D[UO
M8&(B]#IL[W_2'&)'Q727SQSXXT[?QW*!\WU8-?\`W7^8^Q\"O5S?^0_#\%[]
M=>H4.[=+K4><U.P7N_64)3:95!<LW9;39"44."!B8+>W91`F2G.LQ8D9E&OQ
M4M6O7>]:UZ[WK6!QP16Q7R5X$#.6^M&.MT8:>H5=U:[@+EG(K,H$"^,([N7+
M0M6M*>;;LPO:XS>UR4?=(7N;U]9&^46C/P'Y*\)LM@H]6`],KI4YTJ`Z1H<2
M(N8XW:&8\(\0EQQ<_P"DT/=*0(=6)+DPMNIF1OH)&G6D*:7K049>."#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`*V[#4HE[Y
MC=*E-J;=ZCF@KS&ZBY:R=%T>=9<:E1H+=Q"Z^ZUJ0J3'0IJ9'VEUAU*5)4G>
MO=H58,U*J/,^_P!-_8_;+]!7T^1R<1=6@-29Z*5M5E;MW:^OQP0:2=O%K$#7
M;/&\>O'X@Z,=/2T*(FD22#NVMNJ2IT7!\"HK+XJ]XT0M)/G]<K`VI0C5H#T#
MC5Y[;=+M7XK/0:!V"@WGIPPZ<JYIZB02C]^"RTU&$AZ$W$&3_A4Q(FZ;V+5<
MRX>&>/'4^2WEA<QNL%ZMR^J]V'T"Q[LL[=AZ83[I<.;WOX;8)57_`(ZBU3YO
M/UP7GTS"6YR)+#S:&OA6WL1M,TDZQXM]SXUR@T_<[)6^X@;7J!:[;1`(*_U`
ME;.\$>:]FK$^1'7SH#>"AN9-MMS!F8A26S#6Y/KD72=,S/HU:&DT^XLJJ>"G
M6C1(O+Z63E6"!8+2+/FXAZ^?_0=IK+-$Z4Q40IVMA:O#L#EGY:=M`H8A1$T5
M@NP(/OCZ3I*&DAF1.*'XC=<HU\Y[9X5<I"SHOLP'H%[MTFV))`K;!-<>X[3>
MH6BPU2;4=FBO56RM)+MUTRS.C2HCTS;KSBX9`A$P1M4/5/!@8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!0,K^]*"_H!M?\`6)3,%]7TE_8(
M,`I#R(YF7Z_RZ50PA66$FSKOR(XX7'')]:+#Q=*Z[1KN=E!#PME\@*/M@Z[(
M^@>:UI29GQ?SD:]5I%BZ.II)9/%3O</KUEO54EC#4<99:S;Q=F.=3M$>W=3J
M]5L'!#5>XM:V709"&$CU]?*S+C95QR:R[)+)<VSI1`KO0U54H0G7A%WV56R9
MR45J\+J1N/,&%9$;I5WD,OT2?S*X0B_*TV+[-$?9K]@OI2"B1*:A-.):1J=I
MO;T=EG!<RKW$7C^!??ESR4P65A<TA3Z9VN/SNL4;IJVZ_P`>*WVW^0IYBHD9
MTCGB[08K%Q$]7"(GN`I8W4$@&;6EI]L:-VH3,B^(7BSUM'C38.95<54.0GSG
M7.P7H15*O?K#,!U6KWVOWR``!MVB$"%S%3(1.QQ'WF8\9,2&I"M1E*2RSO85
M5:LM\%XWG*_X\>17$1S=>8@7YOI,3E@9PD3G@*X/MW/!(D=%EK)194D:WJ]H
MG$7M-)D>UR2I_6U.K5K0C>*9J%?/![O=@Z?V6U"Y%9^T7*OI8@;_`&CF!;<V
M,K?CYKZ&@A6Z7.;XGV1,;CDO3U_BO$)+TU(B6J,M45M`^4*I*F)M)X^>/72Z
M9+XEOHTD*L%QVH=?G"!S%E(VJP2NC]=Z,5GPC5NL$D&";M]NIW*GG1Y*QN-(
MDV$W82TQQM.W/>Y2-K&G,WJP9&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P"@97]Z4%_0#:_ZQ*9@OJ^DO[!!@$1O5\J?-*N1
MN=V+H"5T6X.CR9FXD\C(=G&2D(&$%C10F+.+F3)PV2CPH,*(P_+F2WVV66UN
M+2G8)5X%:'_)KB59YO7.O%+A(7S:U,*DBK<(J5VL8QF,TAU4F0>U7:X4E51F
M`MAQJ4LHW#3%D-K9>VAU*D:%H^',QA'RU\>!<*ZD)G2A^F.?6*-5+.W&#6>?
M-:-RYQX8RP%&P`DDC;(FB%3+LKEB6IT-IP,12MU.X$SX0HR<ENU<T#6+GE4D
M6-R<<ZL/DF*'&KX*QVJ,:!Q'03$BP.E*R(+B0M<;>LX]/W&>_%A;W+;]'=^O
MX!1EG:?9WI>]/-;TUI2G-Z<1O3>DK<0K:]^O\S25LKUOU_DVG>O\&\$(Z+N5
M;,G;/6AQ)#YFG3!$"PQ%,R&=0I9X/'/"F4/O--QYBI0J4AW7PJ<TGU]%>BM;
MUH*$DVXC6T:VM&MN;]K>MJUK;BO8MSVHUO?\[?QMJ5Z:_P`"=[_P8!^:>9W[
M/1UO?R.+91Z+3_/=:^3Y&D?C_.<;^)7N3K\=>W?K_)O`.3`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"@97]Z4%_0#:_P"L
M2F8+ZOI+^P08!0'D]RZQ=EXT?H%8?@-$R)RAEUQB!\Y3M%1E3OM:MA<(/OE7
M@D[3SHZ9&!'8X^Q"X[I,%.<:FQ=)?8;6D5.CQ*`Y_P`)[%KD'.?'FW1*N(IW
M,.@<M)6*R,&G#G[1*+5"DWJ+E2#-;"0")+8FU0:]7"1<VW%FVF*P5(266GI*
M6WA6U6J*Z#>(W?*E80%T!3^3ESW'7M5SE8HS8[=`$WRGS-^0T.>>Z//B4HA)
MJEJCB>ZL;;BPHQIEV6'D*W)0@EK4,7,F6=.\8KZ#+>+Z:O+$V(3Q;Q^,\*/D
M)73N@\NF[?FL\FC0K@W7J>$/".C#6V>?25.@#;[$+;K[2M.;WI2DB5X_.:FF
M_P!/RS<OJ->>I5&Y7<I&K%PL#::./8-BQ-Z"#C/@P'.PK?+C5@DZJE1[)Q&W
M6$FM^)-:0T9<F/1GWI1%"IB:S5X_+B3*3X#=82%&043>3&'E`R`2!"+%;8V,
MXX9,#J`R!Z3S-Q%8E2"EJX>S4I(BKMN($.NBY*=ZF#M;>CKI,R(K2?"+IMX/
M4KH!2Q'!M?K/5.FCJJ,)$IU`N%/YC2>@T07X[7(-!M/-+F8^^AJ)RQ3,F(PY
M5IA6`<6C9!F+)E1WA<R6!8G`/!OIG&#O`SS4BH.GZ!8;,OI-C+W./<!9FOF:
M'2Z@;(42@M<*I$&K72_$:5%(R"K!&*8A/.3/KR)[1"2VH1R3J>K>#`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"CO)/\QZX?
MT)53Z(`Y4?;%PW85YM)YNI@!C;)D:[/'DK>Y&FKIS-F'(=%I,-,2)(E<U,MA
MEUYE#:O0VKROZA:\^U*]:JZPBLS>#HU'#-E=)96TI4RMI.IT=R5UZ&XK-R-J
M[14E)Y4L5@Y8Y<R\.9)N-:I-JAYJFO-:P6X?0>=T"0<"B[!S_F924HZ0TOLH
M`P@QR^Q+D[MS/0)I;H59L=8/+BN&FJY'$$-O[4T6D/?/$1]9;V"U8E<U6I49
M3C=N+!?PFJ7(TRY$H2C)5RN;E&F,$J2/F9[U<O1MZ?3N482MP>+_`(B=82^U
MG;G%Q='+(HNN$VZHLOD_G#UBXF.6RKQ7N85*G]$ZQN@[:$EZ[9NBCB!D;7FP
ME#G4`/V(C8A)BM6<L_"L!IZ,J8/0F._+K0^&Y)EP^GK>G]%8A>6GE>G?M6<^
M*E&#2<JS4W:46I12<(ITEBHW92I&7;TF^:J]*T[\;4;-R[EP:E--Y:0<%<;3
MC)M3E2JP;MQ56HG8>^]8Y?Y&]ZL!^X&!W.(TN[U2B1K!-:MM()6R$QXO"ZV,
MW4",[G(CG<6HRNBD9\HF]:H<,I!F3)$Y^(P,4ZWSVMMT6LVK36[4(O54A*>5
M99*+]H<GF2FYYE"*45;;BU%14G.CX;FX:O2[E?G<G):9.48U\47+^`HK*\BA
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MU3;95@%$XWU:J6<M]!`G`#=XY_91=R&,TNSC!'0;VL-8@,@6N3+@%OMDM]UR
M+N8+&+8^-_HZ[;]%L^F7GPG+47[,HJK4E"<7%YXMPA6+K1..9+'+.=:KNZ/6
MZO=;[\F<8V+-V,G1.+E"2DLLDISHU2K4LK=8UC&E'Z49\H?2#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@%`RO[TH+^@&U_P!8E,P7U?27]@@P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`XWF69#3C$AIM]AU"FW67D)=:=;5KT4AQM>E(6A6OY=;UO6
M\J;3JN(:3P?`^?IX_P`FWO@9^532&5._$CY-LM*6MMK:_;[MM-K<5M*?7TUM
M6]Z_EWBKI3D2BX\R/;,4QD@+8V4K#10Q.FZ"L[G"D$"I)`]N41T+;^74B=.2
M+4EQ[XM*<U'WI2OYGIO&:5*5=!E5:T53+/2A*U.0I$@<M3K^H#L1YZ,I3DF5
M$4\F&XPXK>UOR8/N7IO>O<MKUWZ;3A-IU7$M$\'P.]\;>M>W2$:UK^37M3Z:
M]->FOP]/3^3\,@HCK2MCX[.GINX;$=E]M[3LK;+3+4E;VDM.Z<>]J&WUONZT
ME7KI6UJ_#\=Y:LE$SC:T*()F+8T/FI===@SUM:C24N/P7%QGX<Q2/?I;L-U*
MFUMK_%M6MIWK6_76,TE2C>`HNSB=MIEEGWZ9:::TXXMYS33:6_D==5M;CJ_;
MK7N<<7O>U*W^.][]=X;;XA)+@=)TP(81.<?*C66QC[,4DX[.C-H'RI#<9V/&
MG+6[I,1]]J:RI"'/:I274;UK>E)]84PDJ_42#%FSIUUJ4.$.,[KI"9*L8>/%
M@6#7KK8*;(>F(:BF=;UOUBKVE_\`#_HX+1D@=)#F)\,4^0A,DR+$V2/'.RF&
MY\^,-W%21D0X:W-2)3$!4YC3RT)4EK;R/=O7O3ZB'=P!@#`&`?F]Z3K:E;TE
M*=;VI6]ZUK6M:]=[WO?X:UK6`=6`0@%8$(H+FQ"0PE$C3QQ&!)9F0)\&8RB1
M$FPI<=;D>5$E1W$K;<;4I"T*TI.]ZWK>`=O`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8!0,K^]*"_H!M?]8E,P7U?27]@@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!';@@RY4K0W7=>M
M@<KIM`+7RK8]3*ADE(S7SMN-.,^LW:/YZ5)4G^76];_'`/&WB7C3V3FU.\?.
M6=5YK9+N0F]\'=3MW61VJ]<R'+`G*Y'*8=*J@\M8+%&LE:_:-8*"/G%)HW4B
M.U7!LN.M'U<EC28<C:>*9</>.!>2QOKM\Z'RJ?*C(WV6L7*D@94*@[`2"P3Q
M#ME!%=!FF2;3MEC["=&F08/TBG/IU;1IQ4=QE3J]TB:Y]G^TPXFB>84PG$.U
MDKWFNU2LE0DWF5>ZMT,#-L"XY#HW"8%V3VM(\^9U<(,8$W?)4!F3+F:CAGV]
MLI3*1`0P%8]Q7%+%]M\BO$CRPYM6[KTHGT)X[QBKUNUVFX4;I4BJ]$9I_'[+
MT:TT4T,/E*<1KP&YR)IN)`W.TSI2?B99CQEQF$BNBDNPD)ZA>80B+JN<IH_2
M.7R@O.35?JXZFWJL2^51R\*J]KA=)L960=/.F[??NF]'GUNP5LZ9BNE5N2V'
MIJHKK9UMP2L>9VK03[7RKLG-:+:+]V)X//[E0@'&8[/5*N3)':@4[F.D=$D]
M>$DSZ;E?JZ0YM)^G&/;A$%C&8LS6]PM(T]L%1KT&.[YXJ]ON5[\FX59HJR'/
M?('I%7Z7:7]G`,?[F9\=^=\;_9(A@=)*-.O[O=SC?32EN);^GC4A&G?1$AGY
M`36':COB_!>UQ+%3.B%WVQY@MY-]#N=WC,T+F!,-3N5A6_,<W3BQ0$3AG(O0
M+59"G8(3#AB2F45BQIK"6&8JV'E[%S+_``+H\F1W3^J*\=>O<:I_:XQ5SF/4
M9E6762E?HQNEWGI`OEQ?F#/9`M@/#9"Z,T3"N?F$=K4YMK4;:)4=W6M(V(J*
MJ9C>>G_(*S>/??#*9=HZ0=A=9(<=YX_7[7J.0+<PY?=1_.[!U>O$J[8:K-G6
MTE%9-%I4.*8&S",J`B$U+C.J2ZF!T312$8-YVQ*C(T8B]VL5F;Y_Q@U+C(.#
MJ^J;<:DH3"G<7CRJYUI,2,&Z9I,@C8+G!?;+UZ:A;$Q\Z.=:CIH\)(A7,O+H
MO<&K3TVQ=O\`J`'D38C+`2B36(H>L!BU%\FJY4+C5W9/47@71*7#C7&D,3`4
M@6*'1W1OSR(#TEXDYL*QX*G`M6?(\K@_BURB2'J74R'3`)+J(&T"(%B%S.B6
MT5-YOV>J<QO)W5ZO!)L,^:OY"KG90MX].57=N:;V\ZQ"7O0>'-W$)F4#RW&,
M+)G"O?[`"L]I-RNH@:=T4$FW,5,5TPE'I<#D:G3H5FGR'ZQ,A2"/T4N(_-%L
MR$O.*DZ;;V'A[BN>.<9\VA3-4I=GL?5*A508?QBJ:ZS7R@F$.B\QK\;@T:SL
MP;V,Z!*@"+C6&J];H)YH4#B3"S1%YQ,Y]IL5M`K<>)L!WSEWD_9>G=(M7/[C
MV(0(ACY">=A:IT,8#J$J6&X<?+@%/UMV2TB2N;W1@:W+^IVC4QE'TSV]CG92
M'1$UP94Q&G^;U[L/65[UV7FX)\[9[)6!(/H42.S'M(ZC>2$.OC`%C(7NQDR]
M(GV=%`F_3LQ:Z%<D*0RH=\+9)<@7PX</E0K_`+#:?*ZFJ[+=^DR>K<SY-HNI
MV7$KO5JJ!-NE1-?\B&:\_P`EM5KZA\3\$G/C44T4'#XE?A)CZ<B?0S]1BBGP
M5,"35*@^<=YC'9%JOW:!31QRLSDQ:\1C5%F37FZ'9RE/)U^WNW:6X+(:(;'#
M[(,A@0;\@@M3TIR1I*7EB5B9O?//.D;9>=B8]UZRW5AL*=-T8E$A=U+2[E/J
M7,C-C&7B:F]U>,W6#)9ZS#1,B9"-PP<A2U18C&V1BMA6/I+EX?ROME2['RXK
MT<GVVT@P-1Z-7XYJP='78!D<I;N7^+EBF.WX=&/QXYR,]T@#>61KST*6D;+T
MAB-J/"W"TD1M4P/1K!D8`P!@#`&`,`8`P!@%`RO[TH+^@&U_UB4S!?5])?V"
M#`->?*K1+7"KF\*Z0(Y3+AOU8@JVV"RG*4`<ACK>!G$*F=N]7=8M-)$7Z#'<
M!2#`Q7W$6T1W)CI6ZVEM?I[/D_J-M3M2O1:DLL8J4L8M*2A+PS<'XU&7AEEH
MZ)U//W7/[#-PN*U).+S-N*PDFXN4?%%37A<HXJM55X'G<6\O.BWRP4CGE0JU
MW!5^97O'JT3*F?@F(W6:P7A=)\5[*L83M?YI+V&SU^WUOI$X9+)E1H]LB]#E
M(;5(U&GJ5]1#8]-IK=S57IVY7%*]%2BUY<DX:B-5'*HQ<96U)1C*65-<*Q/G
M)[OJ-1.WI[,+D;;C:DXNOF1:G8E1RS-R4E-Q<I)9J/C21/\`A/F#W>Z&^%.=
M.8YH+!]5N5AK<FO49F"<Z1`-KH]/L$>M6*IM7\I+J03GEB)&H!TAKZXM"U%&
M+(C![<B6\SUMQV/;K%O4^R.Z[EFVI9IU5MK/*.:,LBS.<5"4(X1=9Y9R:BGV
M=#O&OO7+'M2M*W=FU2.,T\D94<<SRJ#<E)XR5(YHQ3;4)F]B[/RKK7>K=8;#
M:QM2*FNFUCF\DH7LM^J3Q.'VGDE-@$[!4+H8I%`XT%YF%L:OIYD`IJ":&%Y4
MZ8I;PI$9WGCH=#K-%I[-J,'?C&W*=%&$J>5<DTI14YW7<<<4XUC**C'"=5PO
M6ZS2ZR_=N2FK+E.,*MRC7S;<:N,G&-M04L&I4E&3;^PD\-<_*+RLN?'&[H-I
M\$Q).0^3D:OS.CUZVTVUD[>*$^*G4ID#5](V">VR(NQ[H)L$N*X.;0Q`;0EQ
M]UQJ3ISDL;1LVGUWD3N.*B[BE<G*,HJ+>HMUR**Q@H0G7-C+@DFJ<-[=-VOZ
M+SXP3<E;<814HR<DK$Z9VWA)SE&E,%Q;Q+N\@^HJ(U#QRLAGKEXK0JWT3K1=
M^Q\@;OG/YYWID*E"I5)$BZ,V^1L!,XQ8G)34"J&6R*I,II4>5%?<0M&O/VS1
MY;^JM6[%N<X7+:RW,DTK;F\[<\(I9:-W(Y:+%-*AZ&OU;E8T]V=Z<83MW&Y6
MU*+<U%94HXNN:M(2K5X-/%%;0?+/R%.6V)2BEC`T"14S'C_&Z=-(<Z@R)]?.
M/]+H?..KU,DRW=)S,&N70C9GY`@I*8%R5PFT28;#L1]J3G;ELNV6[+U$(RN*
M<;WEI3=)+RYSMR7A7BBHI2BG)5PDU)-'5CNVX3O*S<DK;@[6?P8IYXPFGXGX
M9.3<6U%M*JP:9;GCUTWL/E';X5Q_-\2NT;CG5UE'02*L2K92\5:[\C>4-K-L
MCB+_`&`5`L_.S-D=:FC9+LW3$Q&DS&8Y*#K6NEN>DT.SV'8R.>HOV:5S*2A*
M%W&4:P3<9J*I))57V6XR.YM^IUFZ7E>SY;%F[6F5Q<HRMX*5)-)P;=8NM'Q2
ME$])L^4/I!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`,+93D2L5P_99_P#^8UX*5.3?YVD?]T$P7Y\C^?O2M(_R,??X^F_3
M`/)GDOG5VSJ_,^0]?;`"0(.P^1='XY;(#5-?.5+02X:Y,((EK+>&KG#G<[?@
M';>3C!W4#RS9`NJ!"D(:;4Z_H;<4G3N-D>K=B[*V0\L2]%L51K=:\7.?%9#5
M5?J?YCN70;A,X@YU(>;=,S[(*%5FLP99D?#@M:@R?K)8\AI][3>T(9$26%>9
M%2?F[9A)V4&7R`U-N474RO$.:(M-.8'"K!7OVU'3YG]I+TE#)&`Y4^2.*;80
M-0KZB0RWK\5.[:#*6/S+RJJ%Y/WNDT.G)#CZ]R^1U.IGH>FG*Z8;]L?5B#E(
M\$?`&#+57K$699(0H<PDIMU3J9+L>0G;.P:IB57!\^#D*JNE3G$SI-P=3PA9
MZR!S@]NN$9\,3PR?TBR%!L-BP6"C<VI+/<XDR22?9G.LP1L]UUA+3+3L@7*6
M)-\NZK/LU$B@>7R[4?LUJL]4KIS1JIQ1\`8"ZU:.56.S1[+*>=__`+<6Q3I)
M=.XOO7+@[;;2E3JO;H3*Z$$&_J'"2TO3`[DQPG!'FB3EE/C;..^Q0>>QI?"V
MAE_KDDL+#SKJP;A]^%/QH\*/],^F'+VQ,?:^E>E!E,['\ZG99SDP*+Q&WS)7
M:XR+516QAF*;D[Y<;L%7J=*OE@:!BB46OK,&[6S))0GY'M!A8TF6_)6ZUJ&L
M,O\`@;7\7F],(<SK$OL8R,&Z6ZV4U:AL+8W<*-*:-DF8?T2A!`K`5#=%ML+:
MVF0XO;:M;<]'/<G0CI7#@65&C1H;#<:)'8BQFM;TU'C--L,-Z4K:U:;::2EM
M&MJ5O>_37\N\$.?`&`,`8`P!@#`.E/&CBC*(Y.!"(L-2&);;$^*Q,9;E17-.
MQI*&Y#;B$2([J=*;7K7N0K7KK>MX!W<`8`P!@#`&`,`8`P!@#`&`,`H&5_>E
M!?T`VO\`K$IF"^KZ2_L$&`,`_-[UK6][WK6M:]=[W^&M:U_+O>_\6`1R+<JA
M-?%185JK<N2<<ELA(\4X,D/F'A\%HG/:%,M2EN$'(0UY$AY+.E[;86EQ7HC>
MMX!Q2;S28=L'T&7<:M%O18>\7%4N381+%L)BHVG]R"8^N.RTF)H]C49SWO-L
MJ;3\:O7>O;OT`E.`,`BU=O%*N$D]"J5PJUHF54HZ#L\2NV`2;DULTPMUMX0>
M8&2Y+H<HRXPM*H\C3;J=H5K:?PW@4:)3@$/&=!HQJU'J.)MU>(W&K^W=AK$0
MM#?."/=$#SU?7#4.[E,_#"L(]USU3_DD3XVU^WYVO<%'Q)A@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.I/CPY<&;$(MLNC
MY,21'G-2/34=R&\RMN2V_M6])TRMA2M*]=ZU[=[P#1>-<O"2RN<CM0^O0#X4
M'?QU=Y]:1E!NA&@TKH-Q(T\Y5_S`0AB'*E6#!^S7D/L-++:;VDO+;U&<;D(5
MM`UXB;].?\4B=L.VZ_UD6>OM7)2N&F5,U6PS[,6?,<Q(='_(TH:*A_+<@[O-
M[%.(1M/MRX,=N1+^);;VW]8(J\B:&@_C`/LT6?8V.4#+A9K6[78ZC4H#!/$;
MN?JEN+/5]3,N0W+W9BE/LAI_<16M2'(<R0K2=I7O>P\1^TGG'C%4#4BR4()R
MP.9Z+$(TO4\%-#)79X8ST<-U@2VS,7'D-QWQZI$^)#3KUDI<??3MY3B]ABSB
MWR7QAZ`+?I\.N<TL0_[?-1(#5\A`6\@2XY5P91M>@)!N:V-D+H(J#*3[M-.Z
M&M,.Z5I&T8%9(C]!I'B%*)/=0I%9Y8/-V`7JY/E=0X`0JT!KKLR.LYL,1^CD
M`00^3/D..K3'CQ?FE./.>KCREK%\7`RE;X=XHTD'+76Z3R@'7R$1]^9+86)U
M`DCI*:#/5M<]^6XA0QJ-3JSME.G/@8BCAR&M(9:83H2K/D;R?Q3KA2):!`7F
M((E6.@EY\0H..0AF@5^M2QDLR';W&*LQH#QN7%ARG0OHF*[+0U(^F^;27,"L
MB]G;E4&)T@8]:JVR2B%18*4/=.#&YT8V<8W)"AY$1<K4ADJ7C)VY%CJ3IZ0C
M7N;2K7XX(23`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!0,K^]*"_H
M!M?]8E,P7U?27]@@P!@$`ZN,M!KEW1P])=TQ<BM$MHVJ/;DRH7QV.<`GQ@J]
M3H10),A*21=;]'FID5QK?\]+K>]>[0+B>=_C7X<="Y#&\4Y%MA"[+:N6=;[\
M=M-JD%)I0M6J)>.<W&DUH8)*6VXW0\Z/-J@5]R3"A3/A0O3:G6=+CK<V-N2=
M3EZ=R;RA$WGM$?DE:)Z(=1MW2[FQV`44Y3#;EULYXRSJ+1:F2,V4A&ZM2;US
M?J88:T"="-;%;&RE/R)&M[E,M`FL*G7G\N\LZETPD2J377C=5JUFKI.0N5VR
M(='](Y0`O?CZ6K//J<%N?0$NC^ABJI6+E'-D"R!23;DYY,DE-021N*%8T,=X
MOB?)>;W./KHC'7XLZA%04;J)"R]>A6/FL6M'O':`33S2!3X=JGP2U[B]0L0L
MJ\:AC78^V8LAM!3T4J(Z#RTP*0WXL>78>7U8C4(%YJ,>P79R"3FACO-8=Y+4
MI78/**]06N2/<]ZAR"=)JD&5U.N'7]6RS##[TMB1$VI^$A8^0+6.%2X.B<"\
MQV0A-RJWKJQB59K)8)71UM=.ERC1JL0.HSETY'.ZXGL/,@]`(_DJ:S->@AK#
M7H[L:.["???7\3#HB:.0IXI]DA+.[?A=!NP<O?@72+6U$ZU)KMAO5BKU\\'S
M*CC,2+T88-K)@N"Y;=W%#H,^(*0]KX=;VEZ(I0*2^7I-SO%JO]5JX#I(;J$>
MU/(1UJUD*/9;[8HIN\6RH%61D]DE8(`F[WVN5QL:6>E#H$89)'0WAT)B5]K'
M.ON,8,NG(V@P08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`C]L#.V.JV6O,2OH7SU?,AF9OQLO?1NE!TF"W*^&0Q)CN_3K?TOVN
M-N(5Z>BDJUZZV!YH<^_3OG<LIW%>=5$[3W!//NWA^VF[R0B$QEL@$ZT8JB88
MFK56I1*]23[5AH]42%DOGD2=CE2G9D=#KR&4MC>8O;M'B7/ZGTF_72%;A@@'
M=.`7?GGY6E!I,EMKKYZL67GU=ZQ,F,SVDR6PO-KJ5#/1--:<?9?;WIU/QZUL
M1.B])1H']/PU7"5K*M&*59#1;K!BWP[/;G+"5F$ZE:8WD$W*BD`:X:Q@"W4I
M_OTE0V=%=E*(I'H0\Y%;6AN.+F/HAX"W.`2Y\.I%PYW7N>U6Y\PN4BK0JE(`
MZ%F.>!O',9,,`%@DM.R9%F9XI.CK@N/Q1[.RC4MU$M]CV;#-])9'CGX/P?'^
MWTJTB)='C+KE=V`,:J]/9KTPZS^P?QTY3IMV5&6E2X?YEXI-,?$[[T^I1'X?
M,AQQ8CE7Y?.5Z4_3U^L`R&),J@V,W);8B$GI@\S59EB"P^/6/G4.MS+L!U-M
M(@9'L9A@NU\29#3;L5/JPXK!<QPBO!/J!.R5]WJ%\Y;>JQ!)U*VVA*Z&]#G7
M*U197BBNV09M=84S31M9D1O&M[Z5MF/O3JS#>E,L(B*3(#,N7$P1#].^\W`]
MT@YT.\<YL4BV(N"!;CM0E2&=E2]`\C:0`N4L(KZ,%7C0UGM\+UCC6=_$T)<5
M]4\]*VX@,ZX(R!_]/RT6"96H)8Q0"];JO4^BVYZ5&=M-0N'1`G6;-NWDS%^/
M!HTZ6YT3FTYM$$+,8>5J=`<>]SHY:]:T&8]5L&!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`4#*_O2@OZ`;7_6)3,%]7TE_8(,`8!"^CV]KGW/;U?'H
MJIK5+J%DM3D)&I>U2TU\/,*[C:^@@DYJ?G^E]GJU&?6GU]=-KWKV[!8NAYL<
M)\H._=DKOCQ97"`X-<;OUVT56Q<GCT^0Y!/\LH[T$;T[I1@O80=6L]0@4I^-
M)9@/QVMQ)!Z>/@/*>5)TTT-N*524]>\K.@\-OO3[T>-P+5RFG=8L'-%<B'U:
M&W;4@:QX?B/(J;<JO9HTY!*<6BV+3\<BQ,CR(2!<I*V_A=83]0&6J[R%EO,K
ML43H$*V6JAV/G5%"<WC3)W,USOHC)RUN7?MD:63DP>C<@JEN54K'6>.1W`I!
M>PLIMF>M3D#>W/<U!E5"=;_4**#CT&KG?'^SNG@\.=8.HQJ*:.]`A4FG)%T@
MS`L(LP+YS#%FM1Q=Y9?*H+.UR-!;B2-1Y,YSZ=N11EYU,C#\G.O3^0]QO1.'
M2Z%8878^"\^I:9AN+?Z?S.L]OJ/C?MNWV(M!&T9T^S57.O2S<N-(^!'R-;8U
M+W"VU)P2BJC)='\M+!XX2#U0M(0CV='.:U"G7#HDLS6*+9B]GN%5ZW>J,#%4
M016D`Y8ER!S%<">41(A)AJE-NIC2DL3E,`HUQ,8YYH=:;M;X)7#Z5_\`1<B%
M2S0IOK\]R:UT\[W;D_(`$<<<7S9F!+H_VWK,,E,F+B-3FG67V&HKWL;6^+E[
M2`"?.>\TT]TDM<ZRFX\V'D$@Z[,;LU<$6L+;1U&[!=Y8>37AU489EUDK!Y1)
MUHL]-0]'6\RE,-U"93S095RXDYO/FI9PEXMC&JE"'<KH,H2T7L(0\R8OQ(N)
M\CKOQJQB4UN?7'`&J^6&T9Y_2FY[1)AQS;2-Z<]%M@HJG>(WGR?0:%UXOQ&#
M#)1'`)*_N#NKQ#`ZMU2VS?'%BLD*U-;H\7=SL+\7R1'N3![C8N/&4+E:;F/M
MO0G9`F4EMZ[[<0?;KE&F66<`YYRR^\BYNY2JU3P)\K<BG7*K%.B;A?#YR8V4
MJE`)V(LU7!<@.QMQHM`EN25OM>K44**G>16)Y]EF0@JRV/BC(@+.9K(>9]OZ
MA!-%AW0K9Q,;Y##*YH:JH#&IE98YD793)-HD:^,WIR(B&Y&3J>H7*3T?YE.D
MNN,\_8YFG\JL]"8YB8N:;U!=+P[,6Z1W_F@!P?2F@*G"@ATMP.2Z0>40C.06
MB2/8W)^EE[;$RX=Y01'S"[QS^_\`5BI.CF^E\[;Z_:N)T$(W5=`8NNAP+)#;
MIH:I6"B0NB]"M8V72!1^38'Y%7?5$+18$>(I3<A_X(7*FN\GDWSZL<*(>*2/
M'XJ-$#MG9+$@O<IJ2E>`4&R\TKG6+5UBN`>?V$W0@7.M]-COR]P6K!)TW!EK
MD-1&&MOY1D,,3_4'54AUT);Y]*O=;HYCI0HG9?SK71!DA8($[R#-4(+7*_`K
MJAA6HDJ_Q7Z9PVN8RY%U.9<4Q-W'GOM!EJ7AS7RL-7#J@CE=NYE#H$^7/Z!5
MI9]=S*6*MD^BT*43E3*%0C$?GPT?8S3=+'??9311VORT0%.*A1B"(DUR,(XT
M53<S!D8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$=N!6<"J5H-C(BYY
M(/7394?!:;9>=F3AXR3+B1&V9,X9'=7(?92C27),="M[]%.MZ]5Z`\0N9W;R
M4%\SX;T[N-FL9:]-]B(`0?#SEDZ53K9UAJ0_P>HKEUIKEO4[7!.%*:1`'9^H
M-B9F!)#)*8[+C1F%+FMSYSD:56EP+L\FZ[Y"V#JODQ8Z%<+-5ZIS[FE31!VW
M<>ESXAN78N;WJ`U5@/(1J(5%EL1KJ3%GIMA8G-'VUBM#VM)9D..I$C2B[:D>
MO?5>ZR[/*0;A&"A:A%B=>D%JX/Z55`UV2#)>9M%C%9`$-:5PQ'UHFI!9ROMK
MS+CDR0TXMYQGZ%MD**A%"/GOW!(AB9!Z#RKZ$R:/-1[0GD-RFP0MW!U3R*-,
M^.K0UFX:=-6R;+Y+7MJ(:<2^XV<6VS'TY-%J32Y43]_R>\JZVJXF:]S]@E"K
M9"\;:Y5+I]Z.V&S6NP6KS#D0(D>Z3K/)?B0@<GC=>8:APXGTKB";C;'T[#\!
MM@,J+5\=?)CL=TZ7RFJ]&,T(\"Z'2[^2`O\`,80PR3FO5NQV/<2V=*U`LQ6'
M0P;U?$QH$58QPI#78-28DQZ,\]!94(XI*J*O9\@/*:L1"[8HO4VPPMRZ@H,O
MKM8M+<5@\7#>4M]$V^W]%^[)T,J=9E<K`BFF-0/@;B$-_*_KWQMMP41R.>;W
M83PL'7Z1%8BW6S*K,H1^=^4']G8-$L7/>'J8Z18JW7K)]@^A>Z/=;`U'^D*[
M@36AWQQWEH8>>V&5'`5\NO(\[>NITCG[PN-$J=F*QX)VR<C($3(AJF4;RF)G
M*T3KX6Y-0XS]DLG"0:X+LN4W/V-/I?W%;U/'H:HRHZMM\S/(YF/%DUI?/Q]H
M-=1(5<M0+=5)E='\=&C@EF*<P@76X'[2*^YQ/(O0Z%*BEV6D:C1GU11\:5-T
MG6PRH]B,&!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`*!E?WI07]`-K_K
M$IF"^KZ2_L$&`,`Q)[830(UNS?;?RYH21W8/O6HVP_V34-[97[MJ;_W/8WZ#
MY/G^7_)?%[O=_-]<`T=!=;\,KR7X[TFM\[`V5HA;-T&A=?"<P&D0U`MUC,C#
M`^L$;>/B.R*A-M]PM#.V6M>C;I61[W_C4K3BAJDE@7,M[Q95TRYS"XGD`CJ]
MC.:X_8R=J#U`/<>A3YM+HQ-RGPIQIE@M>84NJ6D)&=C,JDMNI^&,M._B0A(G
MBIW$*J=H\0Y=KG<4IE4Y?.8I*PU1F;"B*!-I@$B8?N4D?2=RV)KWTYILO/*,
M+&:9^=F:54C;>MRE;4#KQ9W+_:_$^HK:OUQK7--%:=?(P"F&%"Z(Y8#EW/!:
M:&EQ^=O.36IQDLV+6-@S6&5)DZ2+0C;:DQF-X+XN!.!87Q8YY4)5#$C^"TVA
M]$GPQLVH1FJ"$JUZ)7<=L4-'2@>OIQ=GF6L,(^DC,+;?5-AQ-,MI6TSI*1,>
M\I9N?X@"Q_%)8K@X(@2ODB^\HY97@_(@)2R0:]#G6B)TQC;*8[C`:DPV))1\
MC[I&DN12#^DM.*E/-+=Y?$7,7F>*C!-=Q.$>!QRU5N\RL/V4F1H$>6`Z/-E`
M+%-KTLI)D(6/NS\ZG"YZXCBTS_E&1G_9[H[:D"8OM,?^5O$`K<=/_9/'4C?+
M!$NG-]>D3G,JT'8L&%*D]!I&VM)62*:'C#DA1:!O3BH\:<[\Z$MON>\*R[Z&
M+K4?PH'Q*5)J*_&>-!B[L0CGS]>E\SU&4\-*1.A6R#5W![VVY<R`;;9.$$Q]
MK=:E[U,=]'%[<V'B[SBY]-\)E4L5.YN]XWQJ/,HN^MC?L.N>CA3?.3A8":<O
MRX:=1MCZI(/5<8ZY.=0W&;F"XR5*2Y%:2V*\U<:U(O:NE>,=T<XEV2;R=KK5
MHN]RL7/^/GPO.J_>+:F13Y%TF%2HXTEY]B#4![-2)$H\S4SX?C6EUG7RO:UL
M$GP+#L0'Q#A26;%;!WCS"DV"H0.81C!]'/(BC-'.L3!(JBQI<_;:9]>+Q!\B
M+&@(VME]IAQI"-I0I.A*R[RI*N,\(>>^0AMNOQ>15OH=$HU)`MOL(YP*KO+M
M%+GT8>,JP25'W&FU"_W>Q7DLN7!7MN02^JVM.E.//_(+XFNXVTL/+N;6RNF:
MC9J#3SU6L)59X[7RM=$S1!8\Y-:)+.3X#\5<>2:V181(^K4G<C3Z$N:7[]:W
M@E68D]Q#C=I&;"V/E7/#@A3LE]8TI3P$R$X[.G"B4]3D=^`MMS1$@"A/2=*U
MO4AR(UMS2OC3Z!5GQ+X9Q6>79/SN2<VF&HXBQ@&2LFD5M^<V$M\@Q*M(I,EP
M:IWZ"PR+&27,:]?9(V1E^_6_J7_D"K,JSRKF4>XQ^AL<^IK-[B)*IBV]JMB&
M[''V=VK9IQDNB)J:V^5TM6I#FEZ<>2M25*VE2M;"KX<B?X(,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P#JSIL<;!F$9:G$1($61-E+:8?E.ICQ65OO*
M;C16GI4AQ+;>]Z;;0MQ>_P`$IWO>M8!H%2/.J3T^AT?HU"Y*](`VSL=&XX^,
MN%DLU'MFBEWC4,CLI50A3E[[%KB5H+:2<XCI<H>VW%`R%H=7[_1L:RT=&6E8
M?*)NO]<Z)S$A7ZV#8H+?)5L$K9<C`>Q7./U2V4NJ1K'3Z</H)S1>B"RML<$N
M%VR*OCLD/<&7'AQW43\"F%3'L^>/CA(K<>U,G[LL5(0DAMK7)>H_=XM4<!5J
MRL]"G@?RC]Z'\X?#7(2Z@X\P@=O9!I'R^_W)2&5D:)^0OB'S*6)K<X<=`D>(
MVFRB@82-RWI,V?2=JJ5I)6BWQ(0^NS7X]'_)48S(=,+UN!N*R][%[7MM*@2;
M+&3YE<!<,N@F+,?E3=VN+3QCD2A7J2.LD]XC9P\XM52K->6-L51KI>EEHY4U
M%=<%BU0%KDOMM+:<<$RL[P/RJY==N>_M)YU+FVX$STWFW,B#3XTQ5B$"=TNS
M4`4'+N0+&+A3UC'JST<:>B+TS[)XV0UMM>MN?S0HTZ,CH#S@\>+-'%2!-@MB
MMF!!ZSQ8L_F?0Q!!NE5RF5^_D;[-'%ZS!G0:6NK6P4_'(.MI:DK(--->YWWH
M0+E9+W?*;C_WV=6!Q"UV`\-KIJTSAM:Y]>3RXH8#7*/:IC\B0-`/PF'7A72`
MOT[2W4N2'9OQMI4IB1\0E&0Z)YS>-LU"Y+%O/;&HK$>S_>E<\Z%H(Y]76FK?
M$JT4IJL[AS^@2Z\YM]JOL*=,.;;4TF/M[6F]BY63ZD>2_);]T%?*@Q0["Z"Q
M7=V.76+)4+16)T%#`^K%RH.8X<$PHC%L`![R%ED!>W/K8D<K'6MO6E*]@E&E
M7D7Y@@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@%`RO[TH+^@&U_UB4S!
M?5])?V"#`&`0OI%15?\`GMZHJ"3X9=SI]EJJ"\;Y-R!:[`&F"DD&DM/1W%KA
MJE:<TG2T;5[?3W:]?7`6#J:2\S\*++R&;PRO56^UDWR;E5ROW1#51N%:L4XT
M<OMN-3M`;=`-PKA&A-S*%2B#XX9%FPYD1,V0H@I.Y#,3Z8;<J_.3>^>'L>\=
M&M70)-NA,.6$B0(0HKM8;ES`:R!/Q.(K5!)K*(<;D(_LQ[UIQM#>_<50K^6)
MKYA*X4^7,I,=^GM968$IB3U.FCR(6AC:)SHQ6>6O"Y8231:3/K7+.B6;Y[G+
M_,=\`6+<`W-<;5$CR7X6F&DLH5[]"YC(DOT^R+#P==8Z+6&FDPJQ7["W:.=N
MG=N@P\/QSE%S=>U'M0Y`J^'K1X^IE*GNZD-(T9VO;;CL)I3P9B,F/T^NI%@4
MJL;[G5HE?=&TVDH%#Z';Q+$RC<\&G1U/)V%\-U(;/.74=LTX\MA3S5;D.OK^
MH'/I:9TD,R[#8R^>+QZS<@I'*@UJJ4&96.CR[VCH!>I%Y=OI\M^Y&[=#LG*9
M@FV!EU2_!M&%PV9CZY<1^.X\W)CO1GGHKHE<:FDG4_`N]T'GUH@\QBP^GW6X
M-=6YR'64KY*TC':3U(!;X`V;T"+?^SC0E4-4V9:WTM%Z_%U"^%^5\PISZI*&
M!I23>.!=ET_3R'G";9=5J^K&N5SK0\Z(&1;&$*H+73H_5NI5^V4]H+?*Y59]
MS&%NGO19/YCC$8,_<9E[>F-Z<2L12(+S#Q#[??B`R[]`,5_EH5KN];Z8_P`R
M@4695&B$7GK/!8X>R(K--ZZ;`CK%:&./2(#T<[+LD2)$E-S&(S$KU0D,R7?@
M9^N?IRF`;L8C*OE/-'0=8Y!JJSYU?OZ0HJY<6'<BKHEJ72&.EM4XE0KW7N+C
M?O<5V'LHB3,E;C34H^'389C8('X@#W*QXY@+\3J5J3PWJ'1NK3H$"D;#U@X?
MO<7I^X#`$&^=**K,>ID^BZ>B+6],6I,+6M^U3GN0(Y<:<RCV/T\SY".5A6OI
M]0*Q(G-K/RBCIB<TD-/B0!*B=JI(2PG725Q)H(VR-KLCS\I<1$&.M$7;+2&D
MOJ4D7,C\F?I_WAL^1-@.K4H*0&GFYO,K='YT;C]!HZ9G4.K=+*VHD?A7Z-#N
M=Q93UL@':CS8OV2:/5)U.B/ZGO-MAF1ZBX,#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`,2?"#[*"-5PLRF0*L`DB$)QUH:<2^/*PWH$UE3<
MAIYAQ+L9]2=I6A:-^OIM.]>NL`U#HG&_$CBS''1M2LM)J`NJ]%M!+FP1FWU`
M**L_4K]4WJXM21\/0]JUW")2+$[$&,MZ7):@SO725Z4VK0U63)7TKA'*.E],
M@W"_]!L$\M5%UN!5Z6NT5<8$I)<I:J1:8CXN%%"QK*HI>BG-(#:F"$Z8Q(:;
M>U$9:<<4O`3:5"D>K^"S,\)7PW%3Q"GD':U6^7VFVE[K.9GL<G!5JC5&0!:"
M,4L]$N"3`B@#G949<H$\Y-B-N-D&6G)##P*7:8FQ_IZ\W#%HAD5U"[TRB.O7
M9WJ"W[!6!<XA4+%5;E7=5)HW^4&8^PDAN^D?N1(HJ389&MLO?<_JF&WM"J;]
M)<=2\0^$L6%VP!SMDLD2L6>P,`ZPJU#"%6YWLE)ODFX\^#PA0V/,AAR1;I$]
M^9#(294V.I$5AIUF-&9CI$J^!.*!XN<WYURD7QP*\8?J`2V4RW"U.1:@&*L2
M^?G:J?JD&5+IU3K#!F/`D4V$T[*GLRBLYA*OJI;SBODT(VVZE?D?"WAEE:"5
MUTS:I0JC/4=HA6HQX"\Y(D4GFPN@5-LT5V!?N->?53(Z/J/M1`2LHS+>;E?/
M#D+84+F?$_(?@QRQFN60&1MW4+&0M38U)2UV,Y629Q;@,ERPF!5]O53VZ;*B
MB5\:!,:A21,@=+BLO,S(\EN2^E89G6I^0_`WAT.E1J*F3?7!L.6DI%(_FE,8
MW&.,4%WGT`_%FCQL-J$5%05HG15,M-M,$V&W4M_&GXMAF997-O&NG<SZ+9^I
MP#MBL5SNPR#'N!BSC.=.D+"<B!JQ7GK;*,@Z"!L,(J2"4X>Q(@PID4!O;.WD
M#FY"UNJ$;JJ&Q&"#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`4#*_O2@O
MZ`;7_6)3,%]7TE_8(,`8!7W62]DK_+.D'J=!?)VT+0[:5K(^*VV_*FGQX&?+
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M-X!98=MI$/HY2FV&=+JO);<<)6JT3!7C$?$<@E;0R4_)T056[78F)I6,F`KZ
MBO.NN/(W$FMO@DEBB0V[S&\D6:]M`2NW!JUA&>=PB3K7%[?'K[G2QL/H,OI?
M-2FY=$LA$PHT\+&1H>@S;#/R(>]#$1.].*$RKT%ZB+.8YD"\09]J?O`,!OL_
M;PMN_P#HFY$4J9-C.RLTQFUPQ0^=(2+EEW8*HCTYM,1+NV%I6G>V][$XM_-]
M1JDBQ^4W.C<6\4Z&D*:ZAOC-2)D[W03>JY18U;Y>7-`Z(HG`I%YNR*E<>@%9
M+1!3_O=BR=J:8EPY<MM:AJB>!LKY5>0OD)1^NSZ5Q@-9G&XO,;(_\<_FQ&V5
MZ4<E<XZ;::[=*ZX&K#SA-("VU46*F,S+`/9=?FIAMP'W9#<ID1)4Q*[E]%\B
MCO9N2<]Z`7N:1-5[R,BAGA_'"4>-V,%7.J=UK9JYVRSA`^@M*C5.K5>KR=_"
MY`'3?NGRJ;=;GQ$QPHJ>@DY'H76_O'5:7SW5@)]7`^673C`*+;JM>288)3)/
MCK>C-!D#YLMN``=J9VX"8PUI3,B1#8<(*3I")*FU(###LH1(IVKRR-Q'.A5`
M#8:,[<N;%.Q0QQ#D!DK8&ZT)J/=;_P`MY'9!)9:XH:T2H<&NP3:&8S!CZN8_
M$3\4AR.MAB*+@R:TKM_=+T:\L*#:R1UDY7^%WVSA:+%YN6J1OGED=OG9Z;41
ME3MC<:/)OT<W3:H'(1I4?<IQ<M_<EIY+,N/'8"B5'WFM_!^I>5],'<IJM4BK
M:I%FZ":([LEO!]L?I=FCPP7C\T[SND:Z96KQU`!#F0C-QE(^XS!S$RX09;L.
M:V(8<A;A6HO'F6C6.Z^<?WSBM6./P41[6:H)&S7NV\R+5`;,(VVB>/5J*\F7
M"!4RVM"DL+O-S;'O.['R43`S#$LEZQ)J95#4:$%Y=KR&Y95>40@MMM%->;B'
MI5C-6SE<YT#?+M9N"]BNP:3U^$!K<TE&@BNE0XSTQ\.U!G39*O9(<?F/-:6#
MH>J_CI=#G0^)\]N%FBV>*?+AW=%_S>,'B3<V<.)3A3QCZ,6&KL%0<ZJ#]:,D
M('#_`*L9(COJC1U.;90,/B75@@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`1RXQC,RHVF'7'$LV&77#D8"ZMR2TAHR^,E-"W%NPR0:6VE$Y2-[4U,
MB.:UKU2\TKT6D%Q/"(/^G_Y,4[GO(:W)C/7HZ+L5SF'EP[..DB%(D67QM;KM
M4ZB]U;HUS.JXJ=`</^XE5TV6S:&2$,>S%;0RJ6W('+F1NMV;QI[=;^Y7_I%(
M/3PHXA:_&(M6A>YE#55BTSF:;PHQ:;+&)UXA<VY%,(&H4AAB)/B(F::TG3#_
M`/E$J&$U2A6U+X/Y</N!B,Z?U^K#*TA@M6:Q:?(:=9#$>_,$O%9NSG+60%7P
MS`NM8LSU:Z%+'#",J;!8B3W]*APUD&8;(M8D5Y:"ZCW3AGFQRD/8;R:LI3E5
M*YLQ:YO8!'3J[-[S-K%T8ZA<>7'IUAM55J4:29F#B#0=[Z)`Y7TZ)(R%Z_3Y
M"NB:9+Y'#O*H,U7JQ3:U8JK)J-;&U6M6JC=;B@>=/%1%JZ>2ZWTVX5"3<63-
MGLODA6#X)Z,X4A'"0>SIENO2XVF-%"%)5<RNKV`[CQJU\FJ9^Z=/G0CO0^0#
M>7!(GD:1F7+9V=:/%3]KM@M`PQ>MW#J].E[U=V)$+XC3(N-(EKW%B0)C,J.*
MJ-&R?9.#]\/]3Z3;^?2[&%'SG3-LJ:JWTR52XIN^":%X\U^@R+4.$FANSPX;
M-JUF:U#*(?';0I6WV5H?;TH935,2NQ'/_-,$3:%#Q?3RE9F=&V/B60[U>LQ;
M2JL?MXX=?C%\Z0)7U*T"XNI-`%VT%#C5IYQ$R`TTG8@.DBY&:A:Q(M8>&>;:
MD46L5N5T8<P)X0.J-JNK/>34XI9;/8><E)=TFF;`=Z\_,A7L;V"4G<"4+K:$
ML0$-O-&DM:2.9HK'F2*S\2\M(3/1PH;]J1E?T4X5PVP0^X3I`RG\^'>0MZ,6
M>FVX82ZY23EDO71>"R1(\"=DRY4Z"K34=XJ#>C*FN!5'HGPJO6JJ<@Y]7;L;
MLMBM(FN1(Q@M<FQS=I>?]SCC4<]]JM5ZA/$AT5;<9QW1HLM[;/R.3)#BENK&
M72N'`MC!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@%`RO[TH+^@&U_UB4S
M!?5])?V"#`&`,`8`P!@#`&`,`8`P!@#`&`0>K<TH-*,VJQ52IA@9Z\3D$;89
M@Q$H)'93;\Z6S]=,7M;ZXT>64E/-,:4EAIZ4\M*-+=<VH*DXP!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`,)9C35:KE@L;[2GF0`0J:>9
M2F4M3K0J`_.<:2B##(35J<0QO6M,QWW=^O\`,;6KT3L#PT"_J`^3=KHG*KFN
M)!J:B%DLI6[-Q*8[/'B*%3R'C9735ROJ+J&I1V!R40:Z)8XY1ZM1B-E20=&:
MB(7$C$EMCDRJIOKV#RIO/)>E]`KP^CB+\&KX4=8FH<FSHI+X*OU_F%]Z7>2'
MW'8&RKL!8A$JC<4;"VU$9^I<UMZ2RS[W4#*CA4JICS;Z:3[!*&`.>UXA6K77
MR`WDU4,=*'@=%B5+N7D3&N=POQQN@E"7/Y,FO<'E(@#6VS3#[SS*%NQW$3E1
MX7*J=YSO_J.2/M,0Z.XA-EB[N2C!.0-MVPR2.VDRHYQT.23<JS4>;6HY48,=
M7:(3C.Q;-EF250I"/ID;4QMRC*9LAYV28)6$W>*(6XE)&.B#;M-Z"2FC;(<K
M-A\?>D=%@E+2/WS8Q(%U75\JFZ\PY7)!@Q]\@K8E18Z_4?($RDLL_EZ?@<&H
M7=FJ.H0[^<N[![SSR;*F(G2M\,YOY'E"X`68L5?K14(^7MW&F/AD$!$27&C.
M[1)B-.?(A(9<:&+E>=!>OF)8:\<@C5ET3-M=7($F+Z0+UP[T:L6/Z*30Z'8_
MV=#AI@O%IJD6"6V74!E[@[<^@C$4Q)KL8,O8<EL\Z9`1_JC8?F@LHCG4J6"#
MM3+O85%^A6^#T/N=4E5JL@*1RSH!?3D6J\!,''I"VE-1FM^Q[XV(\J8T"C4Z
M4?SKL!*8,B"^,C4ZZ#86:EQR27ZFQ`CV,XBQ\[`$7;^N+2"2>?"&?VCQW(KD
M39^3-=BN1TL(>>BI>%REV\!\D#';[CU"O/\`)[+4*_0#9VN"KU*18GZU:S=.
MOEQYM<Q4,@9IE6%N3A=CICTB/H;++M.BY<=R2N'+V[":&6J&U&"#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`4#*_O2@OZ`;7_6)3,%]7TE_8(,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`<,B/'EQWXDMAF3%E,NQY,:0VAYB1'>0IMYA]EQ*FW676U;2I*M
M;TI.]ZWKTP"NB_%^/GTU=!SEG.RZ*08?L-.01IE=EMU8[*E-3I)>OH?'+0)(
M2)\=I]QUC2%K?:;<WO:T(4D6K)$3HU*-2ILXQ4*N5FDH;X\C,)`!4Z5/@2AL
ML-)A39$F(Z[*B2`\]^(MM>U(7&><:WK:%J3L2I!"7CKP$SNVJ+<3Y025?B,(
MO=US>?562Y;B@V7*(0)]D<=%*69E0Y\Z0^VN1MS:7Y+SFOY[SNUBU9GS?'^3
MV47/"6'F=!-""C1!DB-)U$!-AS&RTT$3)ZD,/P%MN;G$JN,DN[WKW+D#HKN]
M^^.RI`59BOV!\.WLXI7'N8K59H\>)85.T:M.[-1(E>GU.+$)[<&JW,BQZP5E
M#T-K]4)ARGFM:]CKFE!5F=A<JYB-J@^B#^=4>'21/W;8NHQJH#:K0]1^*:@G
MEQ`B(.AL=PY#LA%J:I+>E2D3Y*7=KT^[[@J^)BS'#^,V`K/.G>4<Y,F2HLZ%
M)E"=,KTZ<0%6AM;-D@39,D>X[*C'V7%(F)7M7U+:U)<]R5;UL*LZ#WCWP615
MMT=_BW*G:9O8Y2JJN@555?6H3/+%!JG!&Q7T+FX1(_/?;VI&_1V?)5_*^[M8
M59F"W'.2'@,JKFN8<^*5N="E#98&=3J_)$/P)TP,1F1%CW1ZHVV)!&N#Y"D^
MWTW(@1G/^FPTI(59DZOS;GM()GS-.I%5JI:U*'+LI*O@1@B:?6)C*B#'"\F!
M&8=(.08R]H;4[M6TIWO6MX%637!!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`*!E?WI07]`-K_K$IF"^KZ2_L$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`H&5_>E!?T`VO^L2
MF8+ZOI+^P08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`:X=6\P?%CAS[T/K7D'R.B$V-
M[2\#.WD"U8D;3KUWK=<8F/G=[_\`='WGU^Q]`=;]2Q5S8MJU^JL/A.%F?E_J
M-*'_`.1\9OWQ$Z$Z8F[._P"[[?I=0O\`QSOP\S]--W/_`,36Q/ZO7Z;RI7TF
MO*JD:=]WL]Z@=\1$]?7T]?KUU),'V?\`VWR>W_VY]@_@)\7E#S/Z'J<O_78K
M]WS:_P"!\8O]0GP;=SROZ[I\U?RM13[WDY?\39_E'ECXR=S<:C\A[WR?H4][
M_H!ZU>`$X_\`CK6_1=?U-0;:WZ;_`/BCZSXO?.A>L^FDY[_M>NTEI>O<LS4/
MU*9'Z)'V^P]?]$=425OI_=M!J[[]2W?MNYZ;>;S%Z8FP>?*'UXP!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`H&5_>E!?T`VO^L2F8+ZOI+^P08`P
M!@#`&`,`8`P"-6&YU*I-?/9[*#`-[3[T?=2<.$XXG7^%EI]U#KW_`.(G>\J3
M?`C:7$JB1Y/\*C.;;5?X3RM>NM[BC#TIO\/\3T<4XTK7_N5O-9)=A,\>TS8;
MR`XP>>1'']%KNGW-ZTAHC(=#*4K?\B4_>&8.MJW_`(M9,LNP*47S+;8D,2F6
MY$5YF3'>3I;3[#B'F74;_D6VZVI2%IW_`(];WK,FCFP!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`-0O,?S<X7X0<X5?.PG
M5J)$]2H](Y\#^"7=KZ6CH2I<($-=>90S!B[<1N80DK:A0T+3\CGR+:;<^^^'
MWPWZF^).[_TOI^TO)A1WK\ZJS8B^<Y).LGCEA%.<Z.BHI-?GGQ'^)W2OPPV9
M[MU'>_C335FQ"CO7Y+E"+:I%56:Y*D(U2;<G&,OXTO,']87R\\K9Q4,,MLWA
MG)I*WV(?..8%9@J9-'.;TE+=RO,;4*R6:0ZTG6GFFUPAJOQ](NOQWO\`T+^'
M_P#I_P"@NAK5O47[$=SWV*3>HU,5)*7_`/%9=;=M+DVIW%_QG^:WQ'_U(_$+
MKV]<TVEU$MKZ?;:C8TTG%N.&%Z\J7+K?K+PVW^6L3RH5O:W''E[VX\\M3CSR
M][6ZZXO>U+<=<5O:W%K5OUWO>][WO/W)))**PBE@N1_/T[D[CK-MMOFQ@P?;
M+CD=]F5'<<CRHSB'H\IAQ;,F.\WO2FW6'VMI=9=0K7JE2=ZWK?\`)O)*,9Q<
M)I.#5&GBFNQKFCDMW;MJ2G:DXR3333I1K%/T,_J=_1Z\G_+4+R^UWOL?1[/T
MOAR"L:A<FIMYDZ+6,D?$O0IUV/@[P5:EV*/5*<'<8'(C.NR8CY.?I#?Q?2/Z
MW_G[_JDV[X?;/NFDVWI_0V-/U;=3O:F=G^'"-EUC",[4?X?FW9UFI*,9*$*R
MS9XT_P!(_P#27N?Q(WO9]7NG4FOOZCI"U2SIH7_'.5Y-2G*%V?\`$5JU"D7'
M-*#E<BHJ+A*O],7.>F5/J0!!^J3_`)VT*2R0'R-)9*"):D^[<0E$TI>V7-Z]
M=H6G:FG4Z]4*5K\<_DAIQ=&?V0FFJHG^0HP!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`*!E?WI07]`-K_K$IF"^KZ2_L$&`,`8`P!@#`,2<.AZT)G'3Y
M&**$#6%29T^8YIIAAI/IKUWO\5+6M6])0A.MK6O>DIUM6]:Q2O`-TXGFGUOS
M!L]C?E!^:[?JH#6UL[.N(1^92:-;]/EC^_2VP<=?IZITC2I/I^.UM[]4:YXV
MTN.+.&4V^'`TVF2Y9&4[.(RY1"<^K:WYLZ0],EO+5OUVIV3(6X\XK>_\:MYR
M&#KX`WK6]>F]>NM_RZW^.L`GM&Z?>^<2T2JA8YPQK2]+>%K<W+"2]:_E1*$R
M-KAK]VOP]Z4H=U_\*];_`!S+BGQ*I-<#TTX=Y-5[J2F*\=98K5WVC?QP?EWL
M4=]B?<XX$D/;^1,C2=;4J(YO;J4Z]4*<UI6T\,H..*X'+&:?'B;19@V,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`:]^4_DE0/$
MKA=[[MT=Y2@=.&^Z`&C/--%+799R]1*Y4@WR^J5$CI1Q#6E>U26&O>^YK332
M]Z^KZ(Z/W3KOJ;2],;0O_9U$_%-IN-JVL;EV=/5A&KIQDZ17BDCY#KOK3:?A
M_P!+:KJK>7_ZVFAX8)I2NW)86[4*^M.5%7A&.:<O#%L_SP/)OR6ZGY:]BL_:
M>N&5DK$??4R,%,./?8:;6F'G5B*?5X;JU:@A!#3F]:_^Z27E.2'E+?=<6K_6
M;HOHW9.A.G['3NPVU#2VE64G3/=N-+/=N-?:G)KYHJD8I1BDO\<>O.NM^^(?
M4=_J3?[KGJ;LJ0@JY+5M-Y+5N/JP@G@N+;<I.4Y2DZ!SZH^,&`,`N'@7%+7Y
M$=?H_':;MJ.6N)7Z>68E(4H95JY`8=)VFX&5)]/C#52O0Y,Z1OUUM2&?8GU6
MM.M_-]7]4;;T7TWJ^IMV=-'I+3E3G.7"W;C_`,UR;C"/>ZO!,^KZ(Z1W3KOJ
MG1]+;1&NLU=Y1J_LPCQG<GP\%N"E.7/+%TJZ(_K%&@:I3:]5>?\`/X#@KGG.
MZ[`IM''/I0F6D&,4\XX6*_'K2';#:2LF25)N_P#W2?-=W_T=)UK_`"-ZCZ@W
M/JO?=7U'O$L^Y:R\[D^R-<(PCV0MP4807*,4?[/],].;7TCT_I.F=EADVW16
M5;APK*F,[DJ<9W)N5R;YRDRQN:]'L7+;3#M%>>W[VMI8)C5N*3"-BU+TJ0-F
MHUZIWI>M>K3GIM3#NM+3_)O6_$:4E1GO)M.J/:RE7`-?:N&MH!_YAAF(F0UI
M7IIZ,]K>VY4&4C6]Z;EPI*%M.)_DTM&_3UUZ;SK-4=&<Z=55$IR%&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`H&5_>E!?T`VO^L2F8+ZOI+^P08`P!@#
M`&`?*UH;0IQQ24-H2I:UK5I*$(3K:E*4I6]:2E.M>N][_#6L`\@O(_N,OJEE
M=#AY3C="K\MQH2PVI2&SDUG:FG;!+3^'RI7OW)AI5^#;/\_TTMQ7IV(1RKO.
M"4LS[C6O-F1@#`&`,`Y67WXSS,F,\]&DQG6Y$:3'<6R_'?97IQE]AYO:7&GF
MG$Z4E2=ZVG>O76`>N?C/VU75*PZ)//(_.]8:8;*J_FHV9'+_`,E#.M-I]-:=
M<4GXY24Z]J']:5KT2XE.NO..5X<#FA*JQXFS>8-C`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#^:3]=[FWE-Y%G.:<\XG56K]S+EX
MZ9;K?4JG9!+]_F]"-MO1X,U_GTF5#.'!X"I>GT3@YN<Y\A23I;:/1.]_UQ_I
MBZK^''2,M=?ZEUL-)U-JYQM6Y7HRC:C8C25%?HX1E<N?;4W%4MPHWB?QM_JM
MZ.^)W6EO0Z;I?0W-9TMHX2NW(V91E=EJ)9HUE8KYDE;MI*W*VINMVXFDC^3`
M_7S]3,3*]:@1JL6`<YMD@"L0J>#,P74[]%-S!92/%G15ZWK^1;:=Y_?>EU>E
MUVGCJM%=MWM+-5C.W*,X27:I1;37S,_SDUNWZ[;=1+2;A9NV-5!TE"Y%PE%]
MDHR2:?<U4Q&=@Z8P!@I_1M^FYX[_`+$^(.]>LT'Z?J/D2'C.!VY#>DS:CP9J
M:W-$,ITI.G(L_K9J`V2>U_+L)!@__!,<3O\`SX_U/_$CW@Z@CT+M=RNT;9/-
MJ&GA<U=*97VK3Q;C_P#VRFGC!'^E?^D_X7+IKIJ77V[6Z;UNMO+ITUC;TE:Y
MUV/422:X_P`*$&L+C1OQG\K']=C`-\/"3H#L4U8.;37][AE(SED!-K5O>F2,
M+X8Y>.SK^37UD)3;WI_CCJW_`"[WG%<7,Y+;Y'I'G"<HP!@%6]OZW7>!\=ZA
MVVW#;(8JW)J)9^A6(53A2#EJ(!:F(E&B46O!W)<%LF7>B0UZ884\UIQSTUM2
M?7USN;?HKNY:ZSH+#C&]>N1A%R=(IR=%5T=%5XNC.MK=5;T.DN:RZI.U:@Y-
M1Q=(JKI5I5^=H\`;5_Z@[HU#KO[7[U^D1Y_4SQG:7'E3^UV:L0PVQM?DNI;:
M/D*S/%,#($)Q*];2N0;9C*WO6M/?CKU_1[/PVTNIN^Q:?>MNGNO*U&5:OL4E
M+,W\T*]Q\3=ZXO6+?M5_;=9#0<YN,DTNUK)D^9^91\FSVCY-YL^-':/%.)YJ
MTWI@I'CJJD'KZ:O!QM\3^4`]1:G;N4.VC'D+GASM2DC),>;#VA;NGV=I:^5*
MVU+^$UFP;KH=X>PW[4OZGYB@H+',Y4RN+X-2JFGV/&F-/K--O&W:O;/ZO:N+
MV#(Y.3]51^U7CBJ<JUY535?%!O\`]1?+OPRV=-\;/TQ/-WR"\::5/(Q3?D!7
MZXR(!*B!MJV8*#PS`>Q(=C0&$*==;?GQGXS?I]4B,KW)3]X_ABM-.&DW3==!
MIMUN)4LN575\$VY1>/#"+3Y5/DEUXK\9:C0:#57MO@VG<2E3!XM983C3GC-4
M6+H>R?@MYV<`_4-X2-[[X]&R<RNK+3*S9ZS98#8FYT*X#H\27/JUL%,2I\1B
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MH-9<UZVR%N3U[N^7DYY\V7+\^;`^OEK=+'1_U"4U['Y?F9N62F:OT8E$^!OD
M]<_,KQPJODC:.,SN&`>GDCISE-3.63=AM!OD'UZX]!Z!9V=`035;)7P4U]R:
M&(^L2Q!?87]2YMW>D^AU%M-C8]TGM=F^M1<M)*Y)1RQ5RGCA'%U4'@VZ8U5%
M0ZFS;A>W30QUURUY,+C;@LV9N'*3HDL<:4;35))M,W(SPSU1@#`&`,`8`P!@
M#`&`4#*_O2@OZ`;7_6)3,%]7TE_8(,`8`P!@#`-)/.7R7Y5P#G02O=#ZU1^3
M&NT%9=)I9"]F'Z\,*N18B"%DB-'MPWQ(=W[0OXOJ"#T.(E4E*=O)6I&E<UFU
M.XVX1;4<70X[DXP5)-*IYL/"9S`R"<0TU,KQ-M+@JRAYD([5BS*TZ4VZ)LX2
M20`$VUIWK>ML27->F<O!T?$XN_D8[`&`,`8`P!@%F\=OC_-^CUFT(=6B$U.;
M'FVT[W[7P1):(I)"T_R+^G;5I]'K_(ZRG?\`@S,EF5"Q='4]Q4J2M*5H5I25
M:TI*D[UM*DJUZZ5K>OPWK>MYUCL'[@#`-<?+7R;IOAWX_7_R*O\`6;_<JOS]
ML!J96.75Q-LO1N=:+.%IP,<``KG#6YLB4=/QD*VI]M+;:E+WO?M]-^ILNTW]
M\W*WMFFG;MWKF;Q7)98)1BY-MT?*+Y8\#S]TW&SM.AGK[\9SMP<52"3DW*2B
MDJM+C)5;:26)XA6+_P!1%+Y+]AN?DQ^EYY[^._`;$3ACHG:[K16OM\-)%Q+<
M&24`S881F,I_2]*3';(O2W=>NF&GE^B=_?6OADM;FL;5NVW:G<8IMVHSQ=.-
M&G)OY\J7:T?(7.NUI5&]N&@U=C12:\<HR5*NF.>,(KM^V\*TJ>KOD#YZ4SDO
MBA3_`"\Y#RWK?F%0.@.T=^F`?&>L.7>X6"N7MAV5`M<0*XJ)):#C&&]?7:=2
MV_$6KXW4)<2I.OCMMZ=OZW>)[+K;UG1:FWFS._++%.+HXUX5?*F#6*P/I==O
M5G2[;'=--;NZFQ.F56HN4FFFZTI7E1JE4W1TQ/+HO_ZA*37A)0^?_2B_4]!`
M08Z:8-FS/"6A8@.(&1G9I(J5)SB;$(<-'PV%O/OO+0TTTA2UJTG6]Y]?;^&:
MNS5JUO&TRN2:22O5;;P226+;>"2XGR\^OXVX.Y<VW<8VXIMMVI))+%MMJB2Y
MMGJ;X$^>/.?/KQ:&>6-,JEMYE0B)J\B5#NCK!L%(;%!*RQ1@S)D@R901H4MR
M$ZM+B7]^U"%>_P!NT[UKX_J+IW5=.;N]FOSA=U*C%UA6CSJJ6*3KZ#ZG9=ZT
M^];:MSLQE;L-O[5,*<7Z.?S,\MZ]_P"HOXT9-UR^S_$[R6KOA#<.T_L&K/G*
M6'`$<OF75R:^.C3YE91+V?'U1Z1&<<5*^5R2VPVY[HWSM.QT?77/ACKH0EIH
MZS2RWZ%CSI:5-Y\O8I<'+E2E*M>*C3/GH==Z.3CJ):>_':I7?+5YII52;JTU
M1*BK]K-@UES)Q/;CR9\BN:^)_`>J^1_6BJ1?/N2TXG;C;S:D;EDU16TM"*^&
M;5O299ZTF9$<</9]?\M,E-(]=>[USX+:MLU6\;C9VO1JNIO345V+MD^Z*K*7
M8DSZ[<-=8VW17-=J'2U;C7EB^$8JN%9-J*KS:.MXL]5Z+W+Q\Y3V'JW(G>#W
M;I53@7*?R.5:/SB4I`\]I<\`+.G-`*QI5@6!>C/3HWT;>X,IU<;>UJ:VM5W?
M1Z7;]RO:'1WO:+%J;BKF7*I-82:6:6&:J3JZI5YDV[4W]9HK>JU%ORKER.;+
M5NB?V:MQBZN-&TXIINCQ1?\`GFG=&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`/#3L1=9_JW0BKBMK^6WF66%*WZ[0P,EK&0])W_\/QQH2-:]/Y/3.S'[*7<=
M>7VF5?<QM;Z<';KO6:=3^M@&6]M1AO2:_$L[PYO:?;Z`["_\-MK:TI_Z*AQ"
M(I/^#>?1=/=6=3]):CVGIG7ZK17*XJU-J$O^NVZVY_\`VBSYKJ3H[I7K#3^S
M=4;?I-=;I1.[;3G'_HNJEV'_`-)H\]>I?I:>-UY^HG\KM=VX(<=]5-!ROR]9
MYGMW\=_&WN4^*Z-7HRE>FO=N6>4C7\B-_P`F_P"DND_]675&WY=/U?HK&XZ=
M<;MG_P!>_P#.X^*S-]R5KYS^7>L?]'/2.YYM3T;KK^VZA\+5Y>T6/F4UEO0K
MVR=Y]QYL=:_36\L>6L3C`VCQ>QU""E3SMLXE/7?6H\5/KOZDM4F(L+H8!M*-
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M,L8LL<)(]N<ZQV!@#`&`>>'ZJ/EMR/PU\&^^=/ZW($2V#O/[7SFD4<GN,\[T
MN_7BN%0E?I48:_O_`.D(<Q<E;Y/>DK1&$QY+[FO8WO6_I^C]FUN^=0:;2Z+,
MG&Y&Y.:_\<(23<J\FN$>V32YG@=3;GIMKV6_>U-&YPE",7Z\III1IS7.6#\*
M;/([]+?]-7HQG]`.^^*/7"\CF=M\NZ]U/I`;[Y'E,N\U@=!'`=\V<LH]>VY+
M$62Q48!HC$U['FXY%QE>DO:7K7V?5W56EM_$>UN^CBKMG12MVWEI_$<'+/E?
M;XG%/A6*?`^8Z<V#47.B[FAU#\N[J\UR.;U*J.2O#!Y%)K!Y94P9YH^'/Z_R
M_P!-_P`3KAX4]9X,%ZMT;Q('%N9<BZUX\W6M73Q\OYR26(RJY$Z!=!$I,$1K
M4F9(?>)C5S7S"(SJ518TWY=J^KWOX;KJC>;>_:/4RLZ76M3N6[T91O0223R1
M:J^"2C*BC58N-#YS:^N7T_MMS:-185W4::L83M2B[<FVVLS3X<6Y1JW1U2=6
M_;O_`-.QXF0O&_P?*=!>ZOS7K=K\I^CDNVV@EQX_"LO.JFY*&#PL"ABRP_>H
MTDU74PGONJ4H:U$G/+AI2I,9+KGP'Q.WF6Z[^M,K-VS9TEI6HJXG&<L6W-IX
MT>&7M2S<Z+[/H/;%M^SN[YL+L[\\SR-.,52BC589DZN78WEQI5_SS?MC3XD_
MIX?J8_H]=+YCUR7YN]=\K;NSP^B`.9VLXQV>K]0LG-6P=[K=A'C)`J6)T*J+
M\QM2G?=(;D14L^]2GO@_2WH7O74NU=;:6[96P6=''S9N<5Y4H1N5A)-UK6:3
M[&I5IA7X:&K6T[/K>EM3"Y_5[NI3MQ46\\5Y2<DUW6W**XR3CE3JZ>P':PQ7
MK%0\*?T8+%:X]<Y;XW^+G#NZ?JT]%^]LCP5*XIQRF5Y\%PLI:$R40A[_`%JV
MUU4F=O;B'(]=@IF)]["W4Y\5H;D-)J-?US:@YZO5ZN[:VZ%*N=V[.2=U1XOR
MXNBP:<VXX.A]1?A.YI=%TK<GDT^FTUN>LG6BA&W"+R9N";:3XJ4:PFJQ4D>F
M?BQ^L9^FEY,=4!>-/CSV\>]<784L7S6MS^>7OG=:N8RIPWVGA_,BEIJP``;9
M%#1;FV8D9Q+JH["MLM*2VKV_*;QT1U5M6CENVYZ=^15.<E.$Y1<N<U&3:JWB
MWA5XO$^AVWJKI[7ZE;=H+R\Y81CEE%/+54C5)84=%@VE@CU9SXX^F&`,`8`P
M!@#`&`,`8!0,K^]*"_H!M?\`6)3,%]7TE_8(,`8`P!@#`/XG?_5"7^:4\F/&
MOE_U*E":;Q&P7;Z/W;^)!?H%WE!7WE(_Z/R['\]9UK?_`."K>L]S:HTM2GS<
MJ?0O_D\[6OQQCW'\^O%_([O?CJ365X;UV^<Q=?7I<X?63LAJMF-:WK:FSU0F
M_65.P,N?R*1-A/I5K_!GH7+5NZJ7(I_+MXG4C.</L-H]9^/?K:VZ+]*+\D^'
MU:_QM>QN1?>-26.47G2?Y%RIU0D1S',#TC?_`$E(C10/OW_]T3Z^N=*YM\'C
M:DT^QXKZ_P#,YXZE\)I/YL#U9XWYK^(/?U1(7.>[5X#:9NVT-<Z[4VQQZZJD
MN>FM0Q\VP$)'.[&_[M^U*1YY]US?\C6OY,Z5S37[7VHU7:L?_G_`[$;MN>">
M/?@;5E`Q8(ZTP8&3ACC[:7HVIL9V.B6PK7N1(ANK3IF;&6G?JEUI2VU:_'6]
MZSKU.0QN4#`&`?BM:4G:=_R*UO6__=O7I@'N=R$PX?Y;S\N\K:WYE1!*D+WO
MUVN0T/9CR%[W_AVMYI6]_P#OSJR5),[$>"+&R%&`?FTI5KT4G2M:VE6M;UK>
MM*3O2DJ_'_"E6M;UO_!O`/$/_P!03Y0<LX'^FYVSGER1`L71/)ZO3.'\:YSN
M.V3-6>UV1V$S+L(\.G3LMR/SV$]HI]2AM7QD40F$;U(DL:5]_P##;:=9N/5-
MC56*QTNDDKMV?!1BJTBW_P`[\-.<<SX)GQW7.XZ?1[!=TUVDM1J5DA'FVVJR
M[LBQKP4LJYHV9_2$\=>A>*7Z;OBEPSJ[<B'T6K4":8M@64O:Y%7*WZUV'H3E
M/D>OKI$NHM6E(Y]*=[0F1&7I.]I],\KK;=--O/5.LW#1T>EG<2BUPDH1C#,N
MZ67,NYG?Z4V^_M?3^FT6IKY\8N33XK/*4\K[XYJ/O1Y__P#J-_)BWTWQ9YYX
M2\4<?G>0?Z@_2`W#:N%&O*24W0'2X6/=G-?`OYV(UE)F15?<VI/L<AE96_7_
M`"2O3Z/X7[59O[O=W_7T6V[;:=V3?#/1Y?NI2GW.,>T\3K_<;EG;K>SZ3'6Z
MZXH))T;BFJK@UXI.,*/BG+L/4;EWAV%X3^GX,\)N8R(T5FM^-]@X\+-[2J*T
M3MUAII8<<N,ST_GM2+'<C,HI(W_+IR2K/DM7OES<>I7O^KJW+51NM<:1C)-1
M7_3%**^8^CT^T1T>P?T;3M56GE"O"LI1>:7=FDW)_.?Q+2>P)Z%^CWQ/]$8#
MS/J#'ZB8;RR;H=GXK+YU:HDBMC(/:+9?Y71REA<$HK[%99B&V8[S^Y/O:0AZ
M2O6H:-/J_>HZ%Z7K6_U]<NV?=AZ-2C=4X^)^5&&1*N;-X6UAC@EXG0_(9ZV.
MHZ9AT?;MW/Z\]3.MMQ?A4ISDFWPXS49*M5XI.D54_H#\L>A<\\L/+@5P;J-Y
M"`?T\?TFQ5+[_P"=O1+#*TQ2.C>1XT<T[Q7AA63Z26C(RCH3L^<')2^J7/<:
M'.,_5:CZ5^;;-IM3L^S2W'26Y2ZEWB4K.D@OMPLM_P`2ZNQR^S&6%%XT\N8^
M[W*]8W+<HZ+432V7;HJ=^3K2=S[,88?:7%.*S*3SP<5)09Z6>(/ZL/@7YU7@
MYS3QM[G%MO000=^QKIIZHW>@'R]9C/L1W[)68-ZKM>791##DIOY5PMO+90M*
MW$(1O2M_*[WT;U%T]8CJMUT[AII.F92C-*79)PD\K[*TKR/>VKJ?9-ZO2L;=
M>SWHXT<91;2[,R5>]+%<T>C&?,'OC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@'@[T2([`Z#>X;^MI=C7*SM.:WKTWK>C4W>OPW_C3O6__KSM1X(Z[XLAV4@P
M#ECOOQ'VI41]^+*85I;$J*\Y'DL+U^.ELR&5(=:7K?\`A3O6\C2:H\45-Q=4
MZ,RQ"Q%RC4IN?(8D.SY4*84(?;AK)HW)&1Y<46Y8#K$-HS8=BF)\A,7ZY^1]
M-I]SX_;[U>O8N:O5WK%O2WKUV>FLYO+A*<I0MYJ9LD6W&&:BS94JT5>!U;6B
MT5C47=78LV;>KO9?,G&$8SN9:Y?,DDI3RYI9<S=*NG%F$S@.R,`8!8?(XKD[
MJG-XK7XK<N]:5KTUZ^B6"L:0ZK_W(::5O?\`[-9)<'\Q5Q1[H9U3L#`&`:U>
M8?E)0/"OQIZWY0=/@GBM*Y'76#9,15XC4T^9F$S`RN`0PQJ0]&B-R"]A-18W
MS/N-L1TN[=<5I"%;SU=CVC4[]NMG:-(XJ_>E1.3HDDG*3?/"*;HL7P1YV[;G
M8V?;KNY:E2=JTE@N+;:C%+YY-*KP7%G\>GC1Y#^,/ZDGDZ#_`%`_U<_,GQGH
M-!YD:G+\3OT_2'3Q#X:BMPB+;D6W=:$2]MM3I+LJ"S(6Q+;^L/RF&G9C<88Q
M$'._MN[;9NW2NU2Z:Z,T.JN:F[%>T:Q0:<JK[-M\L'2JP@FU&LVY+\KVS7[?
MU%KH[[U+JK$=/!ORM/FJHI/C)=F%77&;^TE!*+]V_P!3;R`#>9?Z1?FT>_3S
MZT"[D4&55JKGB?$COYEGI"CSE./];JL)T&I<E1B1R&=-4[%:]7GH<C:$:VIQ
M.M_GO2>VSV/K306^IK,M/"4W)*ZLJJXRC;ECR\U*CY-=Q]EU)K?ZKTOJY[#<
MC=N))/*Z^%2C*XOTVZKFF:?_`*37FQ^CC5OTJ^8\JN72_&7G,8)S&,/\H>3=
M=75!]CM_2$15M7P\?J)^,X3ZHU:B;:Y`UZ&P3]T%R/$:TVMG49KV^LMAZXO=
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M:S*+3E#+.SYJE3%/-&3=>.63Y,_M\S\`/V48`P!@#`&`,`8`P!@%`RO[TH+^
M@&U_UB4S!?5])?V"#`&`,`8`P#^&7_U.(&7`\W.-6!Q*OH;#XSAXD1SV[TC<
MFO=)O^I[.E>GHI;39B.K?^+3FL][:W_`DN>?_8CS-:OXJ?\`RG\XF>D=,8!\
MK0AQ.T.)2M"M>BD+3I25:_Q;3O6];U@'O3^B/;.OE;AWD++Z/>9G$:#Q76]\
MT)6$D5H2;Y?;I7ZY4R`^NDWI8P.6%"(9F4P["1'<TICUWO>M>F>=N"@H1=%Y
MCEQYT1V]*Y-M5>5(]V\\L[8P!@#^3\?\6`>W/!X3L#C7-8S^MI<U41#^T[UZ
M;TF7'U+1ZZ__`%']9UI?:?SG/'[*+:S)H8!H?^H_Y[\Z_3>\7;-Y)=$KQZXI
MBF!=+I-,KVDLR[;T&R1B3]<"3"SS;L6NAG$"7WIL]U#OT\9E>VVGWMM,.?1=
M+=.:KJG=X;7II1A6+E.3]6$6DVEZSQ22YMXM*K7B=0;YI^G]MEN%^+ECEC%<
MY--I-\E1-MXX+!-T3_FA\`NB>*GD-Y&C_P!4O]6CSS\2RGD![&)GC1XM;[)3
M=TGQ<K:)#TP!()U^49D1XEV%_+I^%!6I]\?+6H@0>>+K3J!^K=2:3>=LVQ](
M]&[=K8[=POZCRI9K\N$DG2N5\'+!27ABE#[7YWLFLVC<-<NH^I=?I7J^-JSY
MD<MI<FU5I->K''*_%)N;P_L`Y!VKDGD!1A_3>(='IO5^>E99.`-NE#/#[+6Y
MTT-->&EHL4L,>D0WGQQ".MEY*5;VVXC:=_CK/Q+6Z#6[;J'I-PM3LZF*3<9I
MQDDU58/'%'ZMI-9I==96IT=R%VP^$HNJ=.]'\P/AZ]K]5#]>7R"\R96]'O&K
M].8'^Q#@3RO;*!&.DNO6"OMV,=M7I'EI?(N6D^V^C6W&VW`RM_\`1;WGZUO:
M]T/AWIMC7AW7<Y>;>[5#PR:?-8>7!K@_'WGYQM+]Y>M;^[/';]#');XT;Q47
M_P`,DWYEQ/BO!7D?UF9^-'Z@>>GZE7EWKPM\<C-^HM;B7/R3ZJ;!\'\7>?QX
MD>2;Z-W?HTA0FBADL>S<B:#`RMK+DDJVEK4*"M&U)6XWZ_2]+;+_`%W=(Z?4
M2<-KLQ=Z_.N$+4,9ON;^RGVNO!,\+?\`<UM6A=ZTLVONM6[44DW*<L%1-JM.
M-*K,THIUDCPB_52\(;%X:_\`I\[ERP81)7SHTOJ_+.W^8_26-R997J/1KOTD
M09ZM>#DKT^JGBH]RF#X\5;NM?"-'QE.>FT+5GZ'TAO\`:WSXDPUDTK>E5FY:
MTT."MVX0:A%+@FX*3:7.32Y'QG4NSW-LZ)GIX>+52NQG>DL<UR3XM\Z3R)2>
M+24I8U9(>@WCB?7/ULOT47O#VP4*TL4WQ<Z84O\`.Y3-#SX%<XK)YH=B4\):
M7:^ZZR(BQ6');,<?+^-V,N8VG;:=O-^[&FT^X:+H/?EOD;D'<U<%!7$TY7?,
MCF<<W%MT;DL'1XX,7;VAU?5>T2VAPG&%CQ.W1J,/+N95*G"D<R47BLRPQ1_6
M/GXT?J`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!Y`>6%0=JW8S4U+6T#[?&
MBV6$Y_\``I]UM,(LWK?\GR((15.*U_+I+R=_X<[$'6)P35)&M>;,C`&`,`8`
MP!@&TOB#4';'UV(96S[Q],&S#,AQ6M^S4^8RX+%,^[T]/E4N2Z\G7^)C><=Q
MTC\YN"K(];LX#F&`,`J/NU?X?:>3W`#Y(B^;FN)SXD#\]C>NLU^1SJ3"C%Q\
MP;^9F;3Z@51V3D>*XS]1_-U)0WM/\_2<[NW7=PLZR%S:G=CKTWD=NN>M&GER
MX\*UIRJ=376]%=TLX;BK;T;IF5RF3BFJUPXTI7G0TZ5^G)^E`DC(#J\.O"%)
M>)7=6^4+5R3D.B,:I[5MO5HD0MB?J6:[M:=Z^M4G4;UUZ>_/=]Z>L\BG[=N&
M1RRU\R[3-_PUK]KNXGC>[?2>;)['H<RCFIY=NN7_`(J4X=_`V=X'RGQ<X528
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M%))+N2P1678_&[B7D"4Y.7[)0H%^E</Z*,ZWR^.9(G$"*UT@(RZP$MZP,`I#
M!G2H1#[FX>R4>8W%6XI;24+WM6=O0[IK]MA>AH;CMK46G;N42K*#XQJTVD^>
M5JO,Z^KV_1ZZ5J6KMJ;LS4X5;HI+A*E:-KE5/GVLNM]AB4P]&DLM2(TAIQB1
M'?;0\P^P\C;;K+S3FE-NM.MJVE25:WI6M^F_PSH)M.JP:.VTFJ/%,U"XM^GW
MX1>.?23?8>%>+/$^5=.L+9!@C=:71`H8VW&+*VLI$$R(\?2*]#(^OH^R/3&:
M=1_-4G:?PSVM=U)OVYZ5:+<-7?O:6-/#*;:=.#?_`!-<G*M#S=+LNU:*_P"T
MZ73VH7Z-)I<$^*C_`,*?-1I4W"SQ#TQ@#`&`,`8`P!@#`&`4#*_O2@OZ`;7_
M`%B4S!?5])?V"#`&`,`8`P#^8?\`]3AX[SKCX^\3\E`<!4A_B5Y)4NYO,,K<
M=CTGJ[8V./)2EHUO2(0R[5X?&UO?II*RGK_CSU-KN*-R5I^LL/1_\'2UL*Q4
MUR?^9_%%GN'FC`&`?TW?HT4/\L>)?2NB/LZ1-['W?0B$_M/HMZK\5IT>,CVJ
MW^*H[EJZ9/3_`(ODB[_PISR-PG6[&'_#'_/_`''>TRI!R[7_`)'JIG1.P,`8
M!FZS7IMML0.KCD;7-L!6$)8]->OLW,?2TX^K_$W&9VIQ>_Y-)1O>1NBJPE5T
M/>H8/CB1H\5#3[(@R#$'Q4?_`($>&PW&83^'X?S6F]:SJO'$[*P5#O8`P#7[
MR3Y7XS=BY_`IOE=4.47CFC]PKKXP#V.,`EU5^]/.21%6^BCV-2(+MC?=*NQX
M2$>K[BGU(1K>U;UGI;5K-VT.I=_9YWK>JR.KM5S9,'*N7'+@F^6!T=PTVW:J
MPK6YQM3T^944Z4S.J5*\\6E\[-27/TM_TE&7;%'>\,O#II^H169]L9<YW0&W
M:O!D1')\>;8FU,:6%BOP65OH<DZ:0II.UZWM.M[SVEU=UFU%K7:ZDW2/CGXG
M6E(]N.&',\I]-=+)R3TFDK!5EX8^%<<>S#M-MN4\^\9N#T@!P[C8'DW+J&9A
MF#=6YI25UZN""L"RKFEC1<``'/L?71"ZW)$AV1&0I#G\]?N_#>\\76:G=MQU
M$MPUTKU[41:4KDLTFG&B2;?!K!49ZNFL[=H[,='I5:MV9)N,(T2:?%I<T^U'
MUP7@WC3XT55%.\<>9\JX[4+P9=M;8/FH8#6A5M.2`L-#IUED2AE!V:X`%,;^
M9/R[^E83OU]B?7&X[CNNZWO/W2[>OWK<<M9MR<55X8\%F;P[630Z+;MNM>5M
M]NU:M3=:022DZ+'#CX4O0B_\\T[Y1E[\:^(].[!Q[O-_HD.U]3X!JU*XY8BQ
M6P/1*%+NPYL39RPBKI+-U)P\2&-(9T0D07IL="-:8=;],]#3[KK])HK^W::X
MX:/4Y?,BE&L\KK%.5,U$^2:3JZIG3O:#2:C56M;>AFU-FN1MOPYN.%<KK1<4
M\4GQ2+6L]8K=UKIRH7$`&M54LPJ<"L=:L0R&9`G@I..Y$(B3`DBS(@$AT^*Z
MIMYEYM;;B%;2K6];SIV;UW3W8W[$I0O0:<91;336*::Q37)H[-VU;O6Y6;T5
M*U)---533XIIX-,UC\;?`GPT\/RUH/\`C+XW<KXR?N;28ME/4VML1#A.`F3J
M9H3LO)7*(Q`GUB$N_0L.M0]NH0KX_<A.]>KNG46^;U"%K=-5=OVH.L8R>"?"
MM%1-TYO'O.CHMHVW;INYH[,+=R2HVL73C1-U:C7DJ+N-N<\8]$8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`UQ\F>2.]1HFW0\?3MMJJWRH%"=:^0@RMM*287
M6_77\X@PTE36M_\`\0TWK\-;WO-PEE>/`Q-56'$\>U)4A2D+0MMQ"E(<;<2I
M#C;B%;2MMQ"M:4AQ"M;TK6]:WK>O3>=@X3\P!@#`&`,`^VFG7W6F&&G7WWW6
MV&&&4*=>??>6EMEEEM&MK<==<5I*4ZUO:E;UK6`>R7CER=7*:"Q&)-(3:;"X
MV8LBD^BMQGU-:1"$:<U^"T"8V_:K>O5.WUNJU^"M9UIRS/N.>"HN\O[,FA@#
M`-!OU*Z8/N'BK9771]R)6*F6:I7[GT6F\[)=:6[T&KD_JJQ&M'.1H\BJU4DG
M)<5#*,.:CZ;8D?*W+A2&V9C'TG2E^5C>().VK5R$H3S35OP25)99MK+-<8O'
M%4<9)N+\#J6Q&]M4L)NY"49PRP<_'%UCF@JYHO@UAQP:=&M5)G/.ABN[UCJA
M?DAPS&BB3GD;Y!\\KW`BQHY"ES?"G]C97QOHO82A9JH]>K)BU*&I%U,3$DO)
M(17U3'V6(S&G?9CJM+/;IZ.%^,6VK%F<KR2:6J\U7YVDLUN2CFS7)-+*UE3;
M=/*EIM1#70U<K,I*DKUZ"M-M?^MY;LQFWEN1<LN6$4\4ZM*.-D<WXRX5H_BU
M>4\Q+1+Q!\R+3VBV")7-K12&...])KG2OS:+JH&X5ZLEAM1`12L`(LPB$PV:
M=^69K2?K7&]=75:]0U&LT_G1>G>@C:B\\9^;Y<K>5R<923DZ.>6KR*D?53.S
MIM$Y6-+?\IJ^M9*Y)9)15O/&>914DFHJJCFHLSJ_6:**Y[X[=C@3>-4(ES*U
MQ>;<J\B:;Y8AW)0Y.H+'0.J=T>"6P&B%M6WXSU`@:N=PGN;1IEJ/;8#B=^]*
MO;Z.JW30RC?U,+T'JKVEEIGCCDMVJQ=?^=^5:7.MN2.AI]NUD96=/.U/V:UJ
M8WUAAGN7:25/^1>9<?*ER+/='/SL^Z&`,`8`P!@#`&`,`8`P!@#`&`4#*_O2
M@OZ`;7_6)3,%]7TE_8(,`8`P!@#`*K[CQRC^0G(.C\1Z2.T5H_3ZB8I]BBI]
MFI#<,M%6RV0@.K0M,8J)E?'+AO>F]L2F6W-?BG6;A.5N:G'[2=3,HJ<7%\&?
MYB7EWXK]+\,/("^>/G4XCFC51GJ>`6),=;`J^TB<Z\JK7L"I6O8X./06O5UM
M.]JAS6WXKGHZPO6?4V;L;]M7(<'_`(/L/%N0E;FX2XFM><A@_%*TE.U*WZ)3
MK:E;W_)K6M>N][_]VL`_M$\0Z"KE?AYXK4%UC<:?'XT'OAYC:?:M-C[(3*]8
MF[>3_+\[0NVP6%>OXZTQK7^#/`U$L^HG+E6GT8'IVXY;<5SI_GB7_G";&`,`
M]!O#7D#Z77>MGXJFF]LR!]+8>1O2G4O:4P3/Z2KT]&EM^Z-&5_\`&E3JOY-H
MWOAN2]5')"/-GH;G$<HP!@'FG^I=694JE<1Z!5*C8[]UGEO<:>?Y51XG.RG2
M*/=3I:8P`*5#H\*(+GP:@'/!)SS<.RR)`W['/2V]]2IC<F'+^KZ3NQ6HU&EO
M3A:T5[3R5R;FH3@DLRE!MIR::58)2SJJI6DH_-=2VI.Q8U%F$KFKM7XN$5!S
MC)OPN,U3PIIM*=5E>-:5B]5+[P.^,=X.%P=.+7+DM#O%KO?8M0O'NY`;;TD5
MU'RYXAV<O13-A,+DZ\G&N=!:F<>%M5P9)C?EV(Q`WM^7,;BN>SIMRTSVZ,+E
MR-O6W+<86JWHN-MV]-=M*:BJ>1G<H*3G)/.W+!1;7DZC;]0M>YVX.>CMSE.Y
M2U)2FIZBW<<6W_WLBC)QR1:R)+%R2<J$\PNM2(<XM'/Z-TB!=[WJ[5M?+C?!
MV95,IGC&2[#Y.7.G?4=(FU1B7QGH%+H?4F]1:ZP<9E*=U`%.B%I7M;/#/6:>
M]&[9U-RT]/;RR\Q7J2EJ%:T\9>!2_BPE.WC-P:IFFI]O-#2W[+MW=/;N*_<<
MED=KPQL.Y?E'QN/\.48W%X%*M<L'#$^_%S@W5:W=O#0%:>:VP'2/#V&B@<\G
M%QCC<9L%V+QLZ)9[`13[U*>@0N7*W7>>^YU*/CGMR&4_@Y^+=]RT=W3Z^Y9N
MPEJ-<\\TGSM7X1BN]W/'>^:CY$VK;]5:OZ*W=M3C8T:R0;7*Y9G)ONR>"U\]
M4>U6?`GVPP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`T=\B_%Y5L
MDSKYSEAEJQO>Z2>K>MMQXY]S6O5P@-6K:&8QI?IZN(7M+<K?\[U2YZ[<Y83I
MA+@<<H5Q7$\UYL*:-F21Q*'*'D(3JF)D&:P[%F17D;]%-2([R4.M+UO7\BM:
MSF.(ZV`,`8!W!PX@8GQ18F#+)DYSJ688^!'=ES)3JM^FD,1V4K<7O_'Z:]-:
M_'?IK(.)Z:>.GC%JCO1+S?VH\FW(3\H4&E3<F)6=K3Z?5R'4^YJ6=]JMZ3M&
M]M1M;W[-J7_/3PSG7!<#EA"F+XFZ><9R#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`H&5_>E!?T`VO^L2F8+ZOI+^P08`P!@#`&`,`\W?U)OTUN1_J*
M\H9K=G=;I?7:8U.E\DZ]!@-RR=7GRT)5)`G8NEL.6"BG766_KH"G$+0M"7XZ
MVWT:4KLZ;53TTZK&#XKY<SAO68WHT?VEP9_GW^67AGY$>$W19'-_(.@SJQ*=
M?D)J]OA)>)<^O\!E7\PK2K8AAJ$4;<:VE;D1S3!&)O?MDQVE?AGT5F_:OQS6
MW7NYKYSRKEN=MTFBD>:T,CU3I'/.7B$+<*=)OE/H$!*-;VOZJXV(=76EZUK\
M?\ELC[]_XM)WO-SDH0<WP2J9BLS45S9_=9:?MR;$7BAD(;""Y7V(`TWK26V:
M]766@`!EM.OPTVR&&L)3K7X:UK/FZUQ?$]3_`",!E`_Q?^W>M:U_AWO>_36M
M:_EWO>_Y-?X<`W-X/XK&+=)A6GH\*4$J3>VI40#)2Y%,637KI;:9+._8^+#.
M:]-JVKVOOIWZ(TA._DSCE-+"/$W&#>+X'I_&C1X4:/#AL,Q8D5EJ-%C1VT,L
M1X["$M,L,M-Z2AIIIM.DI2G6M:UKTUG`<QSX`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"L^@<@Y[TUG2;;78LR:AO;<<S%V
MJ`;BI]/P2R3B[;D+;3Z?@VYMQK_[7-*3CP(XI\34FQ^"T5;CCM1OTB,WM6]M
MPK&);F[0G_`G9$:_!4KT_P`>X^]YM7>U''Y?8R"Z\&^A^_TW<:9\?K_\S2#F
MU^G_`.R^@TGU_P#Q\OFKL)Y;)]6_!>`VXT[;[Y+F-I5K;L&NBVA^EZ_PH^X$
M7B"]:W_)ZZ83O([O8BJWVLVXH7)Z!S2,IFH5V(/D.HTW**.^^:8F:UZ>NI).
M4IV6IM6]>OQI4EK6_P"1.LXW)OB<BBEP+&R%&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P"@97]Z4%_0#:_P"L2F8+ZOI+^P08`P!@#`&`,`8!7W3^
M3\R[732O/.NT*I])HYIOV$ZM=`0^P!I*M(6AN1]&18?;8FQ_DWME]OV/LJW[
MFUI5Z;S49RA+-!M2[B2C&2I))H\@`?Z!_AESKR.YMY'\5G]$YB2YO;EW2!S;
M[XW<N<2#$<<09!KC1[0S+MHIH(8E,SFT(+.-;7&2C2$IWZZ[CW"_*T[4Z.JI
M7G]7^!U_9;:FIQJJ/T&S,GP4LR%^V%T,&^SK\-+F`B$=[>M?AZK2S/E(]V_\
M/\[.OYJ[#D\M]IG`W@GOWI58NB[4UK>MK8!@$M.+UZ_CI,LA/D);WO7^'X%?
M^[([O8AY?:S9OG_CMROG+K,X2`T4-,;TIL[87$EB+2]>G^4B)<;;@P%ZWK\%
M,,MJ_P#;F'.3-J*7`O#,FA@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@%`RO[TH+^@&U_UB4S!?5])?V"#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"N>N=3J
M?$^<6KJ=Z=GL5.FP&B1MT7`=*$$1GIL4>C<:`QO3LE?U$Q'JE/X^GKO_``9X
M_4&^Z#IG9[^^[HYK0::"E-QBY2HY*.$5B\6C@U.IM:2Q+4WJ^5!5=%5]G`\_
MT_K!>&*]J2@UT9>TZ6I6D<Z,+VE+>MJ<4K27-[2AM*=[5O?X)UK>]Y^3+_4-
M\-WPNZQ__P#//EQ/$]Z=I[;GW6?7_-_\-/\`QCH_\.C'_:9?[A?AQ^9K/Y>8
M]Z-J[;GW6/\`F_\`AIZ>[[OTGVZ]?7?[.#7IKT]-;_'W^GX;WK_[./[A?ASQ
M\S64_P#\\Q[T;5VW/NL?\W_PS_\`&.C_`,.C'_:8_N%^''YFL_EYCWHVKMN?
M=8_YO_AG_P",='_AT8_[3']POPX_,UG\O,>]&U=MS[K'_-_\,_\`QCH_\.C'
M_:8_N%^''YFL_EYCWHVKMN?=8_YO_AIK\-E^D:W_`(=;YR9UO7_LWK;GKK>/
M[A?AS^9K?Y>8]Z-J[;GW6/\`F_\`AG_XQT?^'1C_`+3']POPX_,UG\O,>]&U
M=MS[K'_.`\,]_P`ACH^_3\-__>Z,?AO_`!;W\G\N/[A?AQ^9K/Y>8]Z-J[;G
MW6/^;_X9_P#C'1_X=&/^TQ_<+\./S-9_+S'O1M7;<^ZQ_P`X#PS_`)/O'1_X
M=&/\'_[S']POPX_,UG\O,>]&U=MS[K'_`#?_``S_`/&.C_PZ,?\`:8_N%^''
MYFL_EYCWHVKMN?=9^?\`.`\,]_R&.C[]/PW_`/>Z,?AO_%_\S']POPX_,UG\
MO,>]&U=MS[K&OU@/#/?XZ,='WK_'KG1C_M,?W"_#C\S6?R\Q[T;5VW/NL_?^
M;_X:?X2_2-?X?QYR9UZZ_P`>O5S\=8_N%^''YFL_EYCWHVKMN?=9V8OZN/B%
M.4ZB!*ZK/7'8=ER$0>76&:N/$9UK;TI],;3JF8K.MZ][BO1"?7\=ZS=O_4!\
M/;K:M2U\VDV\NFN.B7%NE:)<V\$5=3[7+[/FO_Z,_?\`FX^(7I"W]3U;T)(6
MZ-W^RRQ>A)IM:VW'1W\W_O[3;C:DJ4U[])4G>M[]=;Q_<!\/O#XM?XU6/_JW
M/$N;C_Q4YTJ/>?:\/^[CP\#Q^8_'OU<?$&,Q$DR9758T6>VMV!*D\NL,>+/:
M;5[''8,A[2&9C;:]^U2FE*TG?X;_`!Q+_4!\/81C.<M?&$U6+>FN)22XN+>#
M2[JA]3[6DF_-H^'@>)UO^;_X9_\`C'1_X=&/^TS']POPX_,UG\O,GO1M7;<^
MZSZ1^KYX;.+0VV5Z4XXXI*&VV^;FEN..+5I*&VT(7M:UK5O6M:UK>][WZ:PO
M]0GPY;HKFM;?_P"O,>]&U=MS[C.X]^K7XD1MSTR5]<C*%*905U)Y19H^Q2Y*
MO9&03T\A&QRI*_P;T][-KW^"?7.67Q^Z`AGSO<(^73-72W%EKPS5^S7E6E>1
M7U-MBK7S<./@>'S]A^)_5M\1ELR9"'.M+CPF8\B;(3RFRJ8A1Y>M;B29CVD;
M:B1Y:5:VTXYM*'=;UM.]^N1?'[X?N,IIZ_)%)M^RW*13X-O@D^3=$^0]YMLI
M7^+1?\C.E_S?_#/_`,8Z/_#HQ_VF<?\`<+\./S-9_+S)[T;5VW/NL[;/ZM_B
M)(;0['?ZO(:=7);:>8Y98GF7'(4;<V:VVZTE3:W(4+7S/)UO>VF?YZO1'XYR
M1^/_`,/II2@]>XMM56EN-5BLTL>Z.+[%B\"KJ?;'BO-I_P!#Y<3J:_5_\--_
MR%^D;_P_S><F5;]/Y?7TTO>_36LX_P"X3X<O_P`FL_EYD]Z-J[;GW6/^;_X9
M_P#C'1_X=&/^TQ_<+\./S-9_+S'O1M7;<^ZQ_P`W_P`,_P#QCH_\.C'_`&F/
M[A?AQ^9K/Y>8]Z-J[;GW6;#>.GG#PCRDLU@J7*9ELD&*R!8L91%AJL^OQTC)
M$]H<TMA^8K:7WE27D_S-?C[?Q_DSZ[H_XG=+=<ZV[M^PRU$M39M*Y+S+4K:R
MN2BJ-\75\.S$[V@WC1[C<E:TSEGC&KJFL*T-OL_0CU!@#`&`4#*_O2@OZ`;7
M_6)3,%]7TE_8(,`8!2W>^^<]\;>?/]-Z=(+QJM'+B0;CH03(-3M3S3ZH\%.H
M,;>G=M*<1OW+_D3K\=Y\WU7U7M'1NTO>][=R.A5R,*P@YRS3=(^%8T[7R.IK
M=;8T%CVC45\NJ6"KBS2%'ZP7ABYI6VS71G-)U[E[1SHPO2$^]#>E+VES>D(V
MXZE/KOTU[E:U_+O6?F2_U#?#B7V;NL=/_P!>?R[/I/(]Z-J[;GW6??\`S?\`
MPS_\8Z/_``Z,?]IE_N%^''YFL_EYCWHVKMN?=8_YO_AIZ:5]WZ3[=^GHK]G!
MKTWZ[]-?C[_3\=X_N$^'/'S-93__`#S'O1M7;<^ZQ_S?_#/_`,8Z/_#HQ_VF
M/[A?AQ^9K/Y>8]Z-J[;GW6/^;_X9_P#C'1_X=&/^TQ_<+\./S-9_+S'O1M7;
M<^ZQ_P`W_P`-/_%^D;_]FN<F-[W_`.[6G/7>\?W"_#C\S6?R\Q[T;5VW/NL?
M\W_PT_\`&.C_`,.3'_:8_N%^''YFL_EYCWHVKMN?=8_YO_AG_P",='_AT8_[
M3']POPX_,UG\O,>]&U=MS[K&OU@/#/?XZ,='WK_'KG1CT_\`=Z_)Z>N/[A?A
MQ^9K/Y>8]Z-J[;GW6/\`F_\`AG_XQT?^'1C_`+3']POPX_,UG\O,>]&U=MS[
MK'_.`\,_7T^\=']?Y?\`_'1C_M,?W"_#C\S6?R\Q[T;5VW/NL?\`-_\`#/\`
M\8Z/_#HQ_P!IC^X7X<?F:S^7F/>C:NVY]UGY_P`X#PS]/7[ST;T_'\?V=&/3
M\/Y?_NG^#)_<+\./S-9_+S'O3M7;<^ZS]_YO_AGO\=&.C^F__P#71C_M,O\`
M<+\./S-9_+S'O1M7;<^ZQ_S?_#37\I?I&O\`V;YR9UO\?QU^&W/7\=8_N%^'
M/YFL_EYCWHVKMN?=9V6?U<O$&2S*DQI75),:`VEZ?)C<NL,B/`96KV(>G/LZ
M6U#96O7II3NTIWO\-;]<W'_4!\/9QE.$M?*$%636FN-17;)K!+O="KJ?:VFU
MYM%Q\#P/US]7'Q"96AMZ1U9EQR'HBVV]RRQ-..#E-[>210VXE*UCU,ZVO3^M
M;:VC7N]WI^.)?Z@/A]%J,I:]2<<V.EN?9XYO^FF.;A3&H]Y]K6#\VM*_8?#M
M^82OU<?$*`IE,^3U6`J3':EQDSN6V&$J3$>]?AEQM2=-;?BO:UOV.(]4*]/P
MWO%S_4!\/;32NRU\')56;37%5/@U6E4^36##ZGVN/VO-7_T9U?\`F_\`AG_X
MQT?^'1C_`+3,?W"_#C\S6?R\R>]&U=MS[K.:/^KMX>3'V8L.?U"9*D.):CQ8
MG,CTJ5(=7OT0U'C,;<>?=7O^1*4[5O\`Q9J'^H+X=W)JW;GKI7&Z)+37&V^Q
M)8M_,%U/M;=$[C?_`$,^W?U<?$)AI^0_)ZLQ'C2]CY3[_+;$RQ&(:2M>Q\EY
MS26X\_2&U*^!>].^B=[]OIK>67^H#X>QBYREKU",LK;TMQ)2_P"%O@I=SQ[B
M^\^UI5?FTK3[#X]GSG(O]6WQ&;8?E.N]::BQ)*8<N4[RFR-Q8DU>O<B'+D+0
MEF-,6G\=-.*2YO7\FLK^/WP_C!W)/7JW&5&_9;E$^QO@GW/$>\VV4K_%HO\`
MD9TO^;_X9_\`C'1_X=&/^TSC_N%^''YFL_EYD]Z-J[;GW6=M/ZM_B(IG4A,C
MJZHRH[\Q,G7++%N.N'$?1%E3$/Z3\*HD64XEIUW6]H;<5I"MZ5O6LY%\?_A\
MXYT]?DHW7V6Y2B=&Z\*)M)O@FTGB7WGVNE?XM/\`H9U/^;]X:;_D+](WZ?CO
MTYR9WZ:_Q[]%_AK./^X7X<_F:W^7F3WHVKMN?=8_YO\`X9_^,='_`(=&/^TQ
M_<+\./S-9_+S'O1M7;<^ZQ_S?_#3_P`8Z/\`PY,?]IC^X7X<?F:S^7F/>C:N
MVY]UFU/C=Y;\>\JX]PD\EE622W1I(6(?U8JY-KRVWCS)%\?J*B9O:I.E-BW?
M?M/_`$-ZUZ_RY]UT;U_T]UW#43V"5Z4=+*"N>9;=NCN*3C2O'[+KV'I:#<]+
MN2D],Y>"E:JG&M/\C9O/MCT!@#`&`,`8`P!@#`&`:6_J(O08_AAW:03CJF#&
M*^#>)0T/_2KF#VKG6ES8;<GUU].Y+C)4VES_`.#:M;_P9^;?%^5J'PWW2=]9
MK"LP<E6E8J];S*O*JJJ\JU/)WQI;3><L8Y57YLRJ?SMPO('G\'7D(X]UGZVO
M7&BE@'**Z#H$RKVFF-%2,Q\#4*X[]&NK@@`T>Q'@6*-MQV(1B*2XR\X^WI>?
MR#:ZMVFU_5W+<,VDU.EE;TMN%AVKME3DW"U;=/+A;C%1AJ(U<;D*.,G.-3X5
M:ZPO/;NUMS@U!*-'&KPBN225%)<&N#J4S4[SXY#*((`6"DAC-D^P_&;LLL=8
M'"_WR</ZE*G[@RHMDBCT,P)K]2'PE?3;2TEJ7*WI2M?C\YH-TZ.L;7;TNKTU
MNYK?*\=QQN.>>4=2Y96KBC2+>EMP>7!*Y/%G5MWM!&RH3@G<RXO&M6IUYTP\
M"6':RSWN_<1AC90L6]87($7[EL4WJ+*C$7$PW;;(KC>BKL]4R(XIZHT+>][<
M]C.F9"/_`);6TJ]R75G3-NS*Q8=YVHYLF#4L'==OQN55C:T/.D:37"-'V/;M
M&HN,:T5:=OK4QK_RV_\`$P<J]^(<`G%7!J`HU#46C0'O6O6R%!A4!ZRD)_KN
M'-M>II'IPVICXHZ23VI,1Z43<>9;5](EY74GNGP^M7XNUI[=RWYBB_X=U1C8
M=R4N$KM9:F-J,;<KE<KE<<HI^6I/#O;7&58Q35>QTRU?;+&:BDF^%75<*D%-
M2_'O\Z<K.PR@%=)4'ABKY5!0BS_*.-A`"&9IXF_.7&.&@]DLLMMWU3I!#X&)
M*4H4VB,M_P`O4W.D?ZEH-5;G:_ICMJ-^U"-VL9PA1W).5)SA<N-/"ERD9I*B
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M8TN1C$W/4;;<>9Q2G*+;;S-YW1XI8-9JTQPB\,4D10=:O%K]HW1"9`5`_([T
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ME7/-!T;3;<:I\<[VV.:BHI6WFS-5JO#X<M:<7QP])(%=$\/=L'8`RN/@PQIJ
M2<EP7V+84<BFEU63,$!04!PL^,+,5"UG71<!95Z.ER-#>GN2$N/LMZ[G]8^'
MF2[9L67:TUU.;BU=E2?E-PA".=QFK5V;M6W=<4XPE=<TYQ1OVC:Z248Y8/'F
M\:8)*M'EDZ*O).5<40DK:_%QWLP*8(KXT;R`6`/19Z'/S89EF)4K[TW6ITL+
M+@#GWK8`BRXBG6G%*%$)43T?D^QQ;NO,OZ_H>74=JYI[4(=/V[4U*OFS<V\_
MER<'&+=VVG"J;\JY*'BG1N1Q2N[<]4G%):5)UXNO&F#IXEAW-K%\S/S+_P"+
M9*JRGB@D.[9HM`Y_6:^)"4>>%9B&A(^LO6,Z1GI(*;*%)-AEGE3%+E-M283,
M)I&WOF<5'[5S=NAKV@E*_;MO6QTEBW;A"S*"4X1M.Y.4LWBD[COYZR2E!6XI
MRS-PV[^W2M-R2\Q0BDE&F*2JVZXNN:N.*HL:X9FR=)\1SDV5.14JRP6*V2^$
MG"K`*W#0`J5I=SUSAQ=.&(C?6<[7`<K[9(<Q+:G_`%3,IW3&TKWM?:UN]=`:
MJ[*ZM/86HN7K\LZA=C;B_P"-[._)C3-I\OD*Y;C)3S*<LE'CNYJ-KFZJ,<[E
M)UI))?:R^%>K3+55K6KH:S=FN57N'1SI>H[B1:A&C5^O5.,S%=%,M5^K5P37
M8"VADN9.ECVY>AJI&F77GG6_F]JUJ5K>]_%=1[EH=QWB[J-ORQV^*MV[22RI
M6[5N%N-(MR<:Y7*C;:K1ML\_57K5V_*5JBM8*/+!))8<N%2Q/%CI%/YATB7=
MK-T4Y15A*R4D5A`2`:+B;/<%?$W7A%[A5Z=%G3:./F+T1F0]Z<;(+AMQE>Q#
MBEI]?H;>=OV3>9;GK-9=TKM69.UDC.<+E[A;A?C;DI.Q%_Q)PQ5QP4'12;7/
MMVHM:?4.]<N.%(NE*M.7)2HZY5Q:YTH;/C_,/FP8WX^DQEFLC<6H$8^[=!37
MVT-42HHX#2N2V"CU=+TI]!"!<;;6'S+VQZ8K:6GT[7_EW']:^WL_$/9M-J=H
MOV+]Y0T\UYL?+PL6O8;.EN6;56\T;UVU*\_+RJDE7QN1Z$=UT\)V)1DZ0?BP
M^S'RHP<5VJ4DY84X]M36&X]2IY'QBY+R:-;"%@MU8NY2V$6%1K`R(`"9]5BA
MD`GI=G,E(KI$?.9^.*FOLCA*H2=N2&G92DK3\3N.^[=>Z)V_8(:B=[<+&IE=
MDJ7%"W"5I0R-W9R3E&2I%6%;M9,9QE<::\^[J;,MNM:92<KL9MOC1)JE,6\5
MRRT5.*J:U_4QO_TAC_.M_P#Y6?&9X=J^D\^J[49>O3!S=@`N3+%(K4-LV)<E
MV,4VJ:5KT5!".N0<&0X\F(_+(B&=*D,-(=:6XZVE.EIWOW:[&DN65J[3N7G9
MMJ[&MR.,K:S*LXI--R@O%%)IMI*JXF[<HYXUEE55BL6L>*[UQ/26\>6/(I]>
MZZ"%WFSV&-.KA:K4QDB`+JE])"2>,`>54/?3"YN?MZ5:><FP:[!)FSFWFI$J
M8O4'2=HUK/V3=.O>G[VDW#2V-5?O0G9G:LJ4)UU$'H[>EL>TSG*KNZ><'?E.
M::E*;\JE#WKVYZ64+L(SE).+4:I^->6H1SMOC%K,V^+>!!YGDI1CQ3MMZG=7
MM<&YW?Q\YUS`4$F@B\FJ6^UIY$+HG23MN@AIK(U^<,W%FPP&Y3&X;+Y#Z[^:
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MQ:D\:(QW"^G\#YPLG8"<*,[91]QZ`X(59:^5LLLMSHWSD]6Z<`@R1!J")!D6
M;(1]YY4AG:I<)_6HSR%-;UOAZ7WOI39W/5WXQ>MAJ+^3S+<KCGIYZ>Y;M6XN
M$XQA)7)5ON2\<&LDDXF='J=#8K.5,ZG*E4W6#BU%8-).K\7:N#P++;Z!X#C8
M[LR+2OO,W=@,$8`8K6[0R.'"24PFEL%*W%LS#Q,8)B_1N#EKEKDM_P"4;=TG
M2?\`*^U'=_A39@[D--YMSSIRC"=NXHQA)RI!TNIRC%9';;DY+%.B7B['G[+'
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MATO>=_<+MQTKY,5]#2^G#$_HHS^P#[H8`P!@%`RO[TH+^@&U_P!8E,P7U?27
M]@@P!@'G)^J(6JX+QN`FKL,V;IXKN?'"%G#)0RZHJ"AVA$@G`2Q(>CL2MR8C
M:T_"MQM#VM_&I2=*VK7X[\<-1H=+T;:U.YP\W;K>Z:25V&'B@KM91HVDZJN#
M:3X553P>HI6X:!3O*MI7H-KM5<3^?^3W*LZY#WVLV#LVKU9+P]6X5)E`J42J
M9IZ'`D/D9(8DX0@1@H[EVVYCC;PA&D.1)S2%P][0K6U?R;/J?1>[^[:+5[E[
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M.4JMJS*2BL[S<4KVV\%&+;33=))+"5'%5JL7&K>/A;IB16U.^/;_`$R61$V$
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M5=K?8=R3=O#MV7(3!K`5F$R)K*1LLTUT">6+S4V$5,.P[2W!@LQATJ4%8G-3
MRL%V7*0Y):W"T^A"VM<L]S^'<IM6K%M6E;MY7/SY3F_,BYQNY8I1;@IJ=V#G
M).4?+S).)7>VIO",:45*YFWBJIX885K)5>*I4KP99?&UI?5Y!&#'G-S+/:E4
M6++KYB--DTQRLG(M)C5ED*=CAJ=8&;D]!F%'B*WFOM[.VF$[4IUE?D6-;T:I
M:^=Z*E&5^[Y"=N:;L^7-65;4)J%FXKSA.Z[C:\M98IMRB^"-S;UYKDDZR>7!
M_9H\M*.D7FHW7E@BZ"O9?$\^89`6*J`':!%,G+(/>J58LE7D12Q$U3P@*(IE
M!)4AD+%Y]2V5'$IC/O3)4Q_Z?:G$H6OZ._U'T%J]0M)J[%I[3&Y.Y%VK=RTU
M*4[,(*F:J@M/97G++)SG.>1MI-]N6KVV<LER,?)3;65-8MQ2Y\,L?%@VVW0K
MN1?O%!9U#3W/8&JW$K!D[,6#>M2B-@Z'!M4&2"J,$@2FAUA:)8:R(6R^]]`P
M["^[O;UK;D9CV^1+=>@WJE&6DA[%&Q.;R.[FN:B-V+A:C*3ADL7+<&I/RXN'
MFRYPA3@=_;<^,%Y>5O"M7)/"-72D6E3AAF?8B7HOOA>A!"O?:2BZ6P:)SF'-
MPK0JR%-R3U72P2%#72SH`9-=K#1B$AZ3(:DC83D13>Y,I#R%^@MU^&Z4])Y<
M_P"FJ[*2>6YYDJSM4E&+F[<9.VKT$Y24K<';:SS4D^7S]IQA1^55]M7BL4JT
M6&95>*5*595$VU>/;W0[X2C@Z\/IO[-2@JGPH<>U&X<GH7V_2@]B&BBD0&]&
M4[.;1&DL$OIHK3+C\EIS;Z6?=X5W7](RW?57H6K,-N]BE&RDKLT]1E\%R,)*
M#594C*-S+%)RG&3FHUZSNZ%WYR2BK7EM1^T_%3!I.GS-.BXM.M"W972O$)\S
MJQ2`X67-5T7GDF"+@4`D+"!*%62U:C%$21WU*4F]D::-DH(,+>4N64D+4AI2
M6VY#WT%S>OA]+4^V3MVI7/;-.XQC8E&$+%N=M2K&OCS68R5R+=97)-J+24Y=
MIZG:W/S&HM^9'#*TE%-5PYUBG7M;]+P+E\\3"B`NYM9K,`Y+$3B!\\L%<YH&
M-=ITV']^9G4H:Z+^NJ,R-*GO5]B+.7L>MJ&W);93M_6NI+=>@;ZM^99L0U,K
M<I7)Y+S@KTFO,3LQ<<UIIS>G49_PVK:FHK,8\_;)4K&*FU5NDJ9GQ\*I6/'+
M1X85YFL73[B+NW1[W;AVF80JPVLV1"PO<AKZ$`N<ZU7X'Q;=<4U]"$:CL^W:
ME;3[/3:M[_'?Q.][C8W/>-5N%FD;%Z_.4(\,MO,_+C2N&6"BJ8\.)YVHO1O7
MYW8T492;7<N2^BA</CWTNF<Z!=FGF>B&J]9#_/BM0IM08&&2](MLJTB3`(]-
MN[`B:U%DNAZ\0D1Q#4QER,U/(:EK5I,;;;OT/26];;L^EW*[J=9<LZR[I)6K
M-I1G.S==V$X3E>4))-PMRE&TIIQ4[GF-TA27:T.HLV(792N.-QP<8QHW&54T
M\U'R3:C7"KKRQV2Z'Y?\X-62Q2`%FLLX';.)^3E/G[(@D1I4-SL#DPKS'E"4
MR94R3JL<X(?&RJ3'<;@(VZKX6]LH]-_9[O\`$+9M3K;T])?O2TNHVS<K,LT*
M->UYI:;2XMOR]/*BS1:@J^%.*/0O[IIYW).$I.$K-V.*X9\80^:/:L.S`UL[
MKU6G7/GO`:@$MQ&VF>:UNV#[(8FQ;#"'*78"0::-C15W,R<L#Y6*R/<;FZCN
ML`VM)92/C-:^;:_C>J-^V[<MHVG;]-J)ZC4:*S=C<G)7(Q_B2A**7G3G<<DH
MM3RN-E>%6H1\5>AK-39NV+%J$W.=N,DWC3%JGVFW7#'A'AE2Q-9OJ8W_`.D,
M?YUO_P#*SXK/#M7TGG57:B><M)U6%T6G3+;=;'1*O&-QW;!;J/M]VXA1"6W?
MKG:WJ#*BRVBTMC>XS3J%ZVQ\VW-Z7I&T*]78[^@M;QIKFX:F]I=#&ZG<NV*N
M]"&.9V\K34VO"FGX:UQI1\^FE:5^+NSE"W7&4?M)<Z=_(WHZ?Y?4NQ4?HR`E
MNG/7<S:C1&O#A]:G0:Q(,R^M<\Z-5^K./V"5)W^8JC5*<Y7E;GQW24MST>VK
M;#[NM?I^]_$+;=9MFL6EU$GN=R_.5N,;;C;<WJM/J+6J;N-_Q+5JR].\\7<F
M_%7+*1[&HW2S<LW,DWYSDVDEA7/&2GCSBHY<55\>#9#^B]_YM8P?EX3`=,M'
MWWO'1/J05&-A#>ZJ]1M':Y:2%ATVP0<"C^CV$T#BL;E2VO?`'0G4(4M<M.VO
M.W?JS9M9INH+VDUM_P!JW765A8G"?E.QGMW97,)9(ZBY.$8YI+P6X22;=Q9>
M*_KM/<AJI0N2SWKF$6GERU3KV*3:2J^"7?AH7]3&_P#TAC_.M_\`Y6?EF>':
MOI/%JNU&[_//(3EQ/D$7E7;%.NBQ(8S70*ZG&,QRD8+#D`#T%@G.CE-1W7[$
M:B-_&W&0Q#U*"QWB*'DONJ5^F;1U;L=_IZ.P]2U=BW;G;M^4IJ2@G;N)2DI4
M;N32HHJ,,UF$KRDI2;]BQKM-+2K3:O[*32RUK3!XX\WV85BG*M68[@O5_'GG
M]/A;N`<04LQ2OW^J]%'%:R?-R+1#LARM.@-#C@VP0!@ZJ0:Q!E-2(:&X\_93
M2'].N-*]J>+I7?ND=IVZ/]0MVYZV=J_:U$96[DW=5R=O)EG&Y&,;4;49*4$H
MW/-I+,XNBSHM5H;%I>:HNXXR4DTW6K5*--))*M5@ZXU)HS>_`D6*&1T5278I
MFV)@\C-*5ZR1)<880*5=_P"J]D"PQ6'K2"':,,Q)>ER4NM[CK=TIS>FF?1CN
MGPIL6(05B5ZY1QE*5NXFHRE;=?#<2=V$?.4)>*JR-U?ACRJ]LL8I*.9\'5/@
MW'L?%+-1X\O1)>@%?#&C`(CPNN5J7=RE`>,U)NOG9\W\NDVYA-%>9MA*O6&[
M06.CLO-P):96U,PY+4=W3S<9,C27.[NU_P"'&UZ2,K%FS+<YZ1SM*W.4O+DI
M2\M796[EZ*U":A/-A"2C+-&"GCR7Y;39M^&,7><*QH^#JZ5:<EGX.O!T=:5/
M0W]&:UNWF?Y<6^3&'0IEDNG.3,R$*VY]#&E3X%V>>1'T\\^][5N;VK>U*WM2
MU;W^&M^FOU[_`$XZ^6YW>H-PG&$;E[4Z>;C'[*<HWFZ5;?''CQJ>YTI<=YZF
MZZ)RG%X<,<Q[C9_3I]@,`8`P!@#`&`,`8`P#&EPPBP#988\*&FQ$]O34X47@
MQ20V:TE:'4MRX,QIZ+(;TXVE6M+3O6E:UO\`EUG#J-/I]79EIM5;A=T\U249
MQ4HM<:.+33]*,RA&<7":3B^3Q17_`.PWBG[G^6_P_J?^J,\GW8Z:_;M#^A:_
M`<'L>D_*M_=C]0_8;Q3]S_+?X?U/_5&/=CIK]NT/Z%K\`]CTGY5O[L?J'[#>
M*?N?Y;_#^I_ZHQ[L=-?MVA_0M?@'L>D_*M_=C]0_8;Q3]S_+?X?U/_5&/=CI
MK]NT/Z%K\`]CTGY5O[L?J'[#>*?N?Y;_``_J?^J,>['37[=H?T+7X!['I/RK
M?W8_4/V&\4_<_P`M_A_4_P#5&/=CIK]NT/Z%K\`]CTGY5O[L?J'[#>*?N?Y;
M_#^I_P"J,>['37[=H?T+7X!['I/RK?W8_4/V&\4_<_RW^']3_P!48]V.FOV[
M0_H6OP#V/2?E6_NQ^H?L-XI^Y_EO\/ZG_JC'NQTU^W:']"U^`>QZ3\JW]V/U
M#]AO%/W/\M_A_4_]48]V.FOV[0_H6OP#V/2?E6_NQ^H?L-XI^Y_EO\/ZG_JC
M'NQTU^W:']"U^`>QZ3\JW]V/U#]AO%/W/\M_A_4_]48]V.FOV[0_H6OP#V/2
M?E6_NQ^H?L-XI^Y_EO\`#^I_ZHQ[L=-?MVA_0M?@'L>D_*M_=C]0_8;Q3]S_
M`"W^']3_`-48]V.FOV[0_H6OP#V/2?E6_NQ^H?L-XI^Y_EO\/ZG_`*HQ[L=-
M?MVA_0M?@'L>D_*M_=C]0_8;Q3]S_+?X?U/_`%1CW8Z:_;M#^A:_`/8])^5;
M^['ZA^PWBG[G^6_P_J?^J,>['37[=H?T+7X!['I/RK?W8_4/V&\4_<_RW^']
M3_U1CW8Z:_;M#^A:_`/8])^5;^['ZA^PWBG[G^6_P_J?^J,>['37[=H?T+7X
M!['I/RK?W8_4/V&\4_<_RW^']3_U1CW8Z:_;M#^A:_`/8])^5;^['ZA^PWBG
M[G^6_P`/ZG_JC'NQTU^W:']"U^`>QZ3\JW]V/U#]AO%/W/\`+?X?U/\`U1CW
M8Z:_;M#^A:_`/8])^5;^['ZA^PWBG[G^6_P_J?\`JC'NQTU^W:']"U^`>QZ3
M\JW]V/U#]AO%/W/\M_A_4_\`5&/=CIK]NT/Z%K\`]CTGY5O[L?J'[#>*?N?Y
M;_#^I_ZHQ[L=-?MVA_0M?@'L>D_*M_=C]0_8;Q3]S_+?X?U/_5&/=CIK]NT/
MZ%K\`]CTGY5O[L?J/S]AO$]>OIQ[EFO7^7_[WU2_'_W_`/T1D]U^FOV[0_H6
MOP#V/2?E6_NQ^HD=<YY0*=)D3:C1J?59DMC467+KE9"@Y,J,ES3J8\A\9"BN
MO,)=3I6D*WM.E:]?3USN:/:-IVZ;N[?I=/8N25&[=N$&UQHW&*;5<:,Y+=BQ
M:=;4(1;[$E_D3#/1.48`P!@%`RO[TH+^@&U_UB4S!?5])?V"#`&`84_6J[:Q
MZA%I`!;**4\S(4,/BH)@>J1'5M3#ZH1%B3&V\PK?JA7M]R=_R;UG6U>BT>OL
M^SZZU:O6*IY;D8SC5<'22:JN3I@8G;MW8Y;D5*/8TFO\2#_L-XI^Y_EO\/ZG
M_JC/,]V.FOV[0_H6OP'#['I/RK?W8_4/V&\4_<_RW^']3_U1CW8Z:_;M#^A:
M_`/8])^5;^['ZA^PWBG[G^6_P_J?^J,>['37[=H?T+7X!['I/RK?W8_4/V&\
M4_<_RW^']3_U1CW8Z:_;M#^A:_`/8])^5;^['ZA^PWBG[G^6_P`/ZG_JC'NQ
MTU^W:']"U^`>QZ3\JW]V/U#]AO%/W/\`+?X?U/\`U1CW8Z:_;M#^A:_`/8])
M^5;^['ZA^PWBG[G^6_P_J?\`JC'NQTU^W:']"U^`>QZ3\JW]V/U#]AO%/W/\
MM_A_4_\`5&/=CIK]NT/Z%K\`]CTGY5O[L?J'[#>*?N?Y;_#^I_ZHQ[L=-?MV
MA_0M?@'L>D_*M_=C]0_8;Q3]S_+?X?U/_5&/=CIK]NT/Z%K\`]CTGY5O[L?J
M'[#>*?N?Y;_#^I_ZHQ[L=-?MVA_0M?@'L>D_*M_=C]0_8;Q3]S_+?X?U/_5&
M/=CIK]NT/Z%K\`]CTGY5O[L?J'[#>*?N?Y;_``_J?^J,>['37[=H?T+7X!['
MI/RK?W8_4/V&\4_<_P`M_A_4_P#5&/=CIK]NT/Z%K\`]CTGY5O[L?J'[#>*?
MN?Y;_#^I_P"J,>['37[=H?T+7X!['I/RK?W8_4/V&\4_<_RW^']3_P!48]V.
MFOV[0_H6OP#V/2?E6_NQ^H?L-XI^Y_EO\/ZG_JC'NQTU^W:']"U^`>QZ3\JW
M]V/U#]AO%/W/\M_A_4_]48]V.FOV[0_H6OP#V/2?E6_NQ^H?L-XI^Y_EO\/Z
MG_JC'NQTU^W:']"U^`>QZ3\JW]V/U#]AO%/W/\M_A_4_]48]V.FOV[0_H6OP
M#V/2?E6_NQ^H?L-XI^Y_EO\`#^I_ZHQ[L=-?MVA_0M?@'L>D_*M_=C]0_8;Q
M3]S_`"W^']3_`-48]V.FOV[0_H6OP#V/2?E6_NQ^H?L-XI^Y_EO\/ZG_`*HQ
M[L=-?MVA_0M?@'L>D_*M_=C]0_8;Q3]S_+?X?U/_`%1CW8Z:_;M#^A:_`/8]
M)^5;^['ZA^PWBG[G^6_P_J?^J,>['37[=H?T+7X!['I/RK?W8_4/V&\4_<_R
MW^']3_U1CW8Z:_;M#^A:_`/8])^5;^['ZC\UPWB>OY./<LU_A_#GU2U^/_\`
M2,GNOTU^W:']"U^`>QZ3\JW]V/U$LK5)IE,3,13ZC6*H@BIE9!%:`"@29RXV
MG$QUS$BXD74E4=+R](VOW;1I>_3T]=YW]%MFV[:I+;M/8L*=,WEVXPS4K2N5
M*M*NE>%6<MNS:M5\J,8UXT25?H)/G>.08`P!@#`&`,`8`P!@%)^2%HN%*X/U
MBU\^4XB\`J2;GU13,2).>2=;C;2.4S%(0B,!U[4A>O;\\=]A*O3;C:T:VG8J
MQ>/`U1L/EWT>LEY?+@U)#V#I-.CGG+@FVV&6Y,ABJKSV#>T%C.Z-18(M1&[-
M-RX@]46'#@O24:<:1IM*FM"Y<*\B-\J\S>@6WO42MV(95X-*NQX%41]<'RB9
M&X<W/-(ZFI=<LP58D82DW`FFO0Y)R1&7-&5Z'J)MY#;<WZO0N7#O)(3\VKK(
ML!`33>8";&FE2)R>BP&RUC=/0I0_I[O/ETX)%AUEZ'N[21\F$50S+=:0AA[6
ME:]KC;N"92F:MYZ=OEFSHR'SZCWO[PY*.5\N-M,T541S$JH5!MBK5YR>%B6R
MWN<]M;SK=LU#'SY4603]=?`U'^/8N5&SO3/)7J]`ZI+K;'.:T7Y[7W*NQ8SK
M,JZR+7)V0>YZFPR:Z#%58B/F-P8_04KBL[DK??4.?1M.E+3[1$DUWE+5OSYO
MYJNR;E*YQ68M-'120Z9889`Z54\?G,=BG50O'B#H\D''J$:/S"*T9<>,)W!=
M*[6\]&:BN;V+E7I(<[^I'TE0T+*B\<J6RM@#BY+%:G7=T26`.;8YVZNV6F:9
MB"ZR-YM=B-W4,`%/N'QJFMM;4I[WK;;%R(EMG\YN[U,0</%.'5/[>Y(^EKR(
M]G/MK`)F6L&&AENAE3P2NUD:$$BBBW2$EJ<AA#Z=:2[IG2G<$RHGX+R7[K<[
MO3:=+J%%YF+N]ELH+1%\H;/G!T-`?R##@X0TL\(BT]VXHN'%VYJ7--D!LL;/
M0EI+F_:ZX%$BQ[P<[A2:W8C9RP:#P#]D\>Z8/,;4!(2JBX=OX2A](/PHK4#8
MK0XP.GHFQ'9>ENL3)N].-MM1THT)@:F4WRX[G>ZK2$-.-(*Q`U/0?N5-@:,U
M.W3R="?.F/@9+U"+.&6``<F)'&&$N)9C$X#S.F6E>]MN%:2):.\X>OR(.APG
MF==-'8%>EER,0\7LL:RAHE3YM-OI"9=QX&BQQL";UEH>[JHZB--,/-M/..IU
M[/AT&5>@WHX+;#5RHL\D;GJ,NC>B]9JPT\MJ(RHX`J'3+76@$]:(+$:(I]`D
M6U'><;0E#[S"W=:]%ZRF6J,NC!!@&GOF'U"X\E$\/L=9M'V,,0\A^956^`1,
M0)-O=]JUIG20J:G08E@%EX1`FHY+AS",5A#!)\%$F_12&I*6].#456OS&N\_
MR![73^PTD:7L]D/<@M_:.D`P\Z<.YZ"MY453;KR7D:*U":A\T=AV4!$M)>VV
M1]N,@4954Q.YZ"BVXKC<@6BIWT+P\<>ZW3IG:.\U2T[?<%5\S,E4:(+?!R0(
M&D0;`0K]7DFF8]5&V(18>E!8S-B@;F&"\<D*DI>C-PD-[;=$:HD;M8,D0Z#(
M-Q*%=Y=9-`ZW8XU0LLBOV&SMK>K0$VR&FN"C5A:;WIQT&+GI;?EI3O6U1VUZ
MU^.`N)YN\M[WTF\\KY+T-?3NIQ`H_P`3;ET[LLA-0Y09G$K%6)ZJS7C=+*0^
M:J$F"M^.ASDT.[':4,)!AL9Y(Y"YNE8-M).G>;!HL78$H\5Z;(Z00<ZI),BH
M7?HPVM4R4`EQ@'.X%\Z'JR)35GE@7UR9HP8/4*DB_1T^R_M#B$:0@3#%\C<[
M!D8!2OD<>NE5X1U>T<[*Z#76M4DW8:Z0V!9L_LGA8VR7TR0;[C;,YP@S%7'3
M[O?\:G=.>QS:?8H5<35-WO7:^=>5R>:]*WNR\UNUT9%T1ZE0@#^P:K?I4:G@
MK,_*%AR+:10<=()SH;+Q$KKVOD-O)%MICMC5$U5<3T6P8&`,`8`P!@%`RO[T
MH+^@&U_UB4S!?5])?V"#`&`4#Y+V/H-9Y>B5R]R<S<2G0N1U:&X,2"^XH&VW
MJ50K=BW"D6<!::Z.D?EXI*]LJ8.F,1O_`)BF]^W6]"JE<35TQYL7>.;)`:KS
M09:9-!E3VNDQ?O)I^P1=A^H6'GSM;%1157T-5>#`N!`+QVGU1HWT\W2O332F
M5J%R]I^>.OEW>ND=+>J=JB4R:/N'YF-U=5-($S+H.4!YKRZQ/T"3#D#1A:`U
M7Y9DBT2,RV'X+M@V\,0Y%D,M1'`:21%]^?\`?"L4I8JCR0)8JI6ZZ!EG7HIR
MSODG[+8.=C+'+#C%1*F]`3'H5N?F#SJG%*D,MPG-(:^I2IG0N4QW*?-?MEHM
M3-!_(M+MJY5QD#V>CQK*]"K14'8^\DZN'M=."-0-6BQ\X&TQW<*"01#VPY/&
M:^IG>V1\N`XHLZ^^7G3Z)T&^0"'-:[OF=1F'H;%AC2+F1M+K8L";=CE98B-6
MV@OT2CXI/S:;F^UL>OY%.IWI6T"45.\K5WS]Z5#Y].OY/F%3'BW0,N+7GVS!
MLA%F7@*CF+TU98HB+$JHRD6-/0'6AA#1=QE+L+7J\_\`,VG8N5'5_P"8CT21
M:!`$=Q<#+=.'*RAP,_=%A;!2QIDQT`4FL7U5F@`18J_V8?1?NH&.RX]N?#D^
MQ##BM-./P93(N><?>@K%:;L'#*=)GVVP5`8-?#W`P(`"F30!%EF1;&>OH:J#
M1Q$JN?$""E;=]KA5>]J;7M;<7=&5=I.J;Y!>0G5K=`H:0]$YBY9>97JT!B#2
M[%-,JL,0;PBU4H;!EV8!'#[>@`NEDHYR.J!(<6Y#V[&4VEI>M"-)$Q[-<NX<
MZYU:S#I=P+)M73V$U,AI`DP;J-:D4B6?C5=;$4=.!;>*70`W7X;GLE.N[*:7
MZJ?4WO`23-=('ESVJWQQD@;\+;08545$+%1(NSM(O[DNW3!Q0Q4YIVFH)1HR
MH8]R')VZJ0AJ:T]I#:4M^YT7*B6@O-WK964V*@<J!$E"XZBUE7--V-%AKX4`
MU:V2U=LT0;3&AT'J%QCU9DP&80AB!]J+L.K3[$M*DAE1O!P*T'+CR:K';$10
M:*+<L(M5B;C,Q&[5!KMI-UT/<$1HR&XC*;>'%,$]:92ECTE_Y/6F_;K!E\2X
ML$&`:=^0?3[ES[O'B&%&6KZ*C]*OUTI-LI(*&#FW.TF)--D3ZD;5$,"Y\R1S
M:G/PI3M@4+?@D(:Y,*4IQR(S);P:2JF:SE.^^4C4;DM6:)NB9!H'Y*C;5VD_
MS:,*YY+MM:'=]C\V(6`LW"-A^8!*4OE\`F47(BRT3&B,72-2&TR$N"TB6?\`
MVD9YRC>,^PO1YE;Z/?\`J`*JS`MA7STN,NX,79=)NA4_8D4VJP%5NPT$;)(5
M::"B`I9F24$;;8TW(<8P*8OL/0W!@UZ\L++=*;XV]HMG.[?7*%=*Y039D#;K
M8^/B`@DD>SJ2](DSBT(F('2GHC;C423,BRX<:6XTZ^P\TA;2Q8\<34_H7D)T
MZ!R_I/0`-W,UD<_XO>/G4^2Q+P#Y_2+1&OUQ?ZEHO7+.2/5ZQ5@O9[6U6Q^Y
M(>-":<^1'T@W<=V2B1D-)*M'VDNK7D=,B&/)O]H?4UB:/1:333H*SBQ=4*F*
M?89E8Z*;Z*"'"H%5<2,LM3CU)MQ%3/M'CD+;6I$J0^Q/CQV1*<*&U'`3UJM'
M%^;6.[EQ1VU&ZL/)F"H9X1(ARGI:5/,_+(KV]UU\HQ%4VW.6.TD>N:AW<9*6
M-MIU2/B6_@AIKYJ],ZQRCG];M/*9L5!'\RRH#H-ERG[L=S.2*T;70Z8$@73W
M1RT"Q75F&P6C"DJL2ARG%#O1U"E)&HI-XE:<9[SVP?Y'D^&]NVD]LJ3NL2FG
MZ?"`_E5+@V`S=9D<E,V.!&7F:S7GH,1A,=B4J`LJU'*29,Q;;^`TJ51Z*X,C
M`&`,`8`P!@#`&`,`8`P##GWC[`><]5AX<J?0TG8P>?,3:^'E/_(C2D3C`X%9
M9L!K3.U*TMN#)WM6M)]NM;VK0%4?>O)']VO$/XWWS_A\P7`?>O)']VO$/XWW
MS_A\P,!]Z\D?W:\0_C??/^'S`P'WKR1_=KQ#^-]\_P"'S`P'WKR1_=KQ#^-]
M\_X?,#`?>O)']VO$/XWWS_A\P,"(PJ[V,?<2_0(O&>#HN1T;%#D;`YW/HLF:
ML5$^GVV.B:D\#>8&0W5PV5OMQD,IDN,-K=TM3:-I`EWWKR1_=KQ#^-]\_P"'
MS`P'WKR1_=KQ#^-]\_X?,#`ZD^5Y!%(CX\GR?@I&!)3I$F%/[-=ID20A*DKT
ME^-(\>7&74Z6G6]:4G>O76MX&!V_O7DC^[7B'\;[Y_P^8&`^]>2/[M>(?QOO
MG_#Y@8'4@2O((5$9@"^3\%&P8^E:CPH'9KM#B,:6XIU>F8T?QX;9:TMU:E;]
MJ=>JM[W_`"[P,#M_>O)']VO$/XWWS_A\P,!]Z\D?W:\0_C??/^'S`P/A9;R-
M<]OR<QX:Y[%I<1[^VWI7L<1OU0M/N\>]^U:=_P`F]?CK`P/O[UY(_NUXA_&^
M^?\`#Y@8#[UY(_NUXA_&^^?\/F!@/O7DC^[7B'\;[Y_P^8&`^]>2/[M>(?QO
MOG_#Y@8'PV6\C66VVFN8\-:::0EMIIOMMZ0VVVA.DH;;0GQ[TE"$)UK6M:UZ
M:U@8'W]Z\D?W:\0_C??/^'S`P'WKR1_=KQ#^-]\_X?,#`?>O)']VO$/XWWS_
M`(?,#`?>O)']VO$/XWWS_A\P,!]Y\D->OIS3B&O7?KO_`._??/QWZ:UZ[_\`
M^>_QWZ:P,!]Z\D?W:\0_C??/^'S`P)=3Y_59<V6B_5/GU?'(BI5!DT_H5CN$
MU^;\J=*8EPC7,:,Q$BZ8]5:=1(?7M>M)^/6M^[0F!8.`,`8`P"@97]Z4%_0#
M:_ZQ*9@OJ^DO[!!@#`(W:I%OBB5.T@/6SAW4B.E$"U60G51*HJE;U*=46$56
MY3$R&D?BVWJ%M+F_PVM'\N`5I]Z\D?W:\0_C??/^'S!<!]Z\D?W:\0_C??/^
M'S`P'WKR1_=KQ#^-]\_X?,#`?>O)']VO$/XWWS_A\P,!]Z\D?W:\0_C??/\`
MA\P,!]Z\D?W:\0_C??/^'S`P(E7Z]V.K&;380/&N$0#EUFQY]G*_MTZ-)G%G
MH>Y2H33LB9P.0MF!"<GR%L16MMQF7)+RT-I4ZYM0$M^]>2/[M>(?QOOG_#Y@
M8#[UY(_NUXA_&^^?\/F!@=69,\@R+*8Y#E/!IT=$F%,2Q,[/=I+*9@V8P1'2
MDM/^/*T:DP"$5I]ES6O<T\VE:=Z4G6]!@=K[UY(_NUXA_&^^?\/F!@/O7DA^
M[3B'\;[Y_P`/F!@=:%-\A!L.(.'<IX./'P(S$*#`A=HN\6'"AQ6DL1HD2*QX
M\ML1HT=E"4-MH2E"$ZUK6M:U@8'9^]>2/[M>(?QOOG_#Y@8#[UY(_NUXA_&^
M^?\`#Y@8'PHMY&K4VM?,>&J4TK:VE*[;>E*;6I"F]J;WOQ[WM"MMK4G>]>F_
M;O>OY-X&!]_>O)']VO$/XWWS_A\P,!]Z\D?W:\0_C??/^'S`P'WKR1_=KQ#^
M-]\_X?,#`^'"WD:\VMIWF/#76G4*;=:<[;>EMN-K3M*T+0KQ[VE:%IWO6];U
MZ;U@8'W]Z\D?W:\0_C??/^'S`P'WKR1_=KQ#^-]\_P"'S`P'WKR1_=KQ#^-]
M\_X?,#`?>O)']VO$/XWWS_A\P,!]Z\D?W:\0_C??/^'S`P&C/DAK^3FG$-?C
MO?X=OOFOQW^.]_W>_P"7>\#`?>O)']VO$/XWWS_A\P,"=4V;T:8@AOH-;I5=
M<;7&T*33;L=N2);:DO?6*(+-T"B*'K97IO3:6TRM.:4K:MM^W6E"$UP!@#`&
M`,`8`P!@#`&`0OHMTC\[I-CNTN!)*1ZZ/5/='0W6&94O6G6F=,LNR5(8;6I3
MNOQ7O6M8"Q*1#^8W!SA*,(AG[$S/E-$9C3!.B70.K8B`[56&SWM*`HBU`BSE
MV%_0R4Z4B4F6E:/5"5J2-96?!/S,\?PR'Y)*TF(8F+8UU*0??I=P;!HL;=<8
MM*Q+!!81+9"4@5-C>[473^D/2FFE;TO:M)$RLQ)'SD\=PX.?82]AM(H8'B1G
MSRR?/+R/?KL\@;E`A%</1I@%AX5:C+X^3(BC7=)ENP8RY7LTQM"UBY63.V^4
M_%J4W:9)JR3-P*53*;T"S$QX`T0'#*E?I<N+6"ZI<:$MN2U/;@/R-I9^1:&&
M5*5K2O1.Q*,@8SSDX*^?:I9:Q.#KY(/[K\6JP!Q@\]+ER[HFI!&HY&"+1`W+
M(Q2`TDZRI2%18A-G:][]?78N5F;N7DSNFMD=2:)+FSX".OL:$1#6UDWR_/I4
MQ-)'?1Z#;D1V>JCX*G84M:/IXS[C,?W/J?:4L*&P5)L+UNIM3M<D3)`R++6P
M9]\'-4M<P,\7&1B#HJ4MR/%6N0/<D;:6K;3?N4C>_;K^3!EX$GP!@#`&`,`8
M`P!@%"=V[AKB>^3[=JSAR)T[KU3Y7+.S#+5<K%(3:43]QC]E..CRC<;ZV;#;
M&C(RVVD$C,V+"^=E<AM6Q4JD;E^1TO53MA8;S0Q*M@7N,_A%>I<ZQ`("K/86
M2L6(,-.6&,X4&`@14-*T2]7=.R8[&OB6U\_^2T%/\BL8OF\/*T[HUU"\^<<B
M4$52+=&K9VUIK%WM5`N`=@FS:`(,I6]#B;LZ;*;%A8\"?/:+F%ZB;D17-Z]1
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MG,(;:?A62G6(:11K6M_#N5MKW+^/Y%"-4+%P08`P!@#`*!E?WI07]`-K_K$I
MF"^KZ2_L$&`,`KSI_1Q'*JNFW'H\E\0BP5<+.<B^BEP(]DL`X$X6<;]JW7XX
ME$_<EUMM*GG&VMI;2I>TZV*E4JBM>7G#K5,0.''+#%GZABIDR";HUR`3A.CY
MZ?7`44O!+A(<P=-,$!CZF6G&]*^!&G5^Q"T;4&5F+F^:GC^/C#9TJPV5N"=5
M:&:Y+USZ\KU:)M0UO1D?6(J0&YY^9IYI]EC45EU$E^*ZVVI2TZ3L7*SBG^;G
MCJ*BPYY2VF!@V:<!U9!,C2[?"',VPR-<-2:K)ER0K33-BJP1'U9N+O?R"6E)
MU)]CF_9@962ZU>47':;.LH\Z>GQ7*C?ZGR\_+4!-;%CKO=A,(U7Q+Q!,%32F
MGH)2(IV0WI;#.Y2-*5ZZ7[!*,AG/_-?AE_L%7HD(^^WTJQ.5P>_3(HPN24+.
MFZU/LD\:HVT-8%2H];2'FQILG2T(:D15HWK2OYN!E?'D6-SSLK]YL0VO2:E(
M!R)5#U:B+FB>R>@1^,;2*+4XLVD9!<'S8D69#E1GI&F-SVGW/B:_[N]O0-%Y
M8(,`8`P!@#`&`,`8!073>X_LYZUP7E[M5<F1NW&+F'3="!IH#7J^0JE;_,$.
MO1W7A\UL]=[6TEU8T3MV$J3#@3GT.JW%VRX*E5-F$B>1BY'%ZOV%[F]CB??>
MC@>=%ZBLU6'2M3?*]G:XR0,$R+)-8@C#!$W-RW6X#LIU]O6D,Z7O?NT%,:$2
M(>6#@/H?Y!L7/T`H\?KK'+RMVDVMR5216BX:IFZLY..C:K-BC;A9(]RAM-!9
M^X329#K;6IZUO-:4+0W%P9*B[YU1[B'&>D=<8J)B]+Y]5B%EW50:EMSRC<!*
M5/;7(:B$7H0R`RI4F=);C2G(T)EUU##RD::6*E5T,;3NR.7&SV"K0JRSMT3R
M3F/50]B'VT`<IUQC]*5=V&(-:."UO//#!4VEJ1]R?C,,S&I2'F&U-ZWO84*2
M#^9\(O3J];6>:EY,>QUGK$\>^*LX*<#G6SF75*MR.+511*4D86E0[E8+4S)B
M%)`V(S&@IVJ0VA[?P)%RXT-GN8WG71Z4+M:A$BOS'Y9\,9!294>>X&L=2L1:
MI6<6@C$TF,3BP;"#E-,RD)0F2RE+OL1[_;H1JCH3[!#77JW?M\S+6(?'HI>V
ML5(#RX[89(TJ*'.0V>K]/?YT$TPR56PU,;%1PQ0G-TAWY_AB-,L-/.R$^P5*
MI2%X\^J93#5RBM\_MI^M47I4+GA>XBGX#PN4AVLR2A&P"V&-2GE0QMD@31.D
M2]PTR5BYTAIW;3+6I`N5FQO+^U!^G&2(@8V(=;CT6@WX::KUH'6T"9%723;`
MDR/`+"VFXKTFM6JCD8+^T;6AQ*6G-;3M:FVQ&J%V8(,`8`P!@#`&`,`8`P!@
M$*Z*W5'J386KQ`GE*F["2V;'C!5B.3Y41<AE.FXPJIQ9MBF+^;:-[3%:6YK6
MM[WKVZ5O0JXX&F9RN^'5A2-;(TKKNF`_M=%Q8/-_*T9%@DH]58I(X_&CCZS&
M;:LH6KQ]1()'6OK(>MJ6TXEW?OR5->(Q$GGWA%,@!1DGG?67X0)1%49#O._+
M5QZ=]VCU5@BD_,77]S+(B4NCB7U:GN2-?506W_\`YNUK4P'B^5#*&ZSX<'IA
M*?+I77XDHN[`F$EA^<>5P1N87#FG3X*Q/1Q59B1UV6ODI4CZ&?M'U46/*>CH
M7J.ZMK;`+,CN=-$^(O8C$4]T6I]DL)0>"76A4C7.O*X3]F"RM*;+1`K82LCF
MQ*K#$5].1=CZ;>G1]:;=6I/X8P"4EP.C-J_AQ-9M$/=+Z_"&W=@?&N`<5S?R
MK$A[,R-(M$6M&A@ZKQHDY4E3#;$E2T[5)AM-QW-J9;0A-J/%\J&R/]HWF/\`
MU73_`.`O=O\`RWR5)E8_M'<Q_P"JZA_`7NW_`);XJ,K']H[F/_5=0_@+W;_R
MWQ496/[1W,?^JZA_`7NW_EOBHRL?VCN8_P#5=0_@+W;_`,M\5&5C^T=S'_JN
MH?P%[M_Y;XJ,K']H[F/_`%74/X"]V_\`+?%1E8_M'<Q_ZKJ'\!>[?^6^*C*Q
M_:.YC_U74/X"]V_\M\5&5C^T=S'_`*KJ'\!>[?\`EOBHRLK/J5R\?.RA0]<O
MP_LA("&M==N.@\'DODB$'%R=7(-E1$.RQ`]%A,V0`@DPT\Z.FZ>AON-(VMM6
MTZQ4)27`C%C>\:K0^5^XQN[119L@4L)0("YIY,UR%(NQ0Q53.N@,3@5('V`9
M=!+U/BM0)D.;'U#C.R6VT:3*>]]J6DC"E*_XBEY,*9)KO=6)`E^D.5]8NF^7
MH=NK1.<M.IIH6J1A0&'%KE=#27=RM#H:&83TY#4EUMQ^/'<:F`\7RH;&_P!H
MWF/_`%74/X"]W_\`+?%296=2?Y`\M(P9H]_76V69\23#>=@<3\@ADYIJ4RMA
MQR$1'\]C3Q\M"%[VV^PXV\TO6E(4E6M;TJ,K*.K;?C+3*C2ZA3(W=JNS0A,H
M$!L`OF/DFY;=AS=[J_1;M$*6$C0ITTL]T2RU..X;E/[7,E(>D)0\UMY>\5+2
M1W1B_%0:N4^]5NN6":0(VPJ2(W+EWE%=")2?=JJ*HEAD%)MIJ19\BI^CA(H9
MC3VUIAC&MQX^FFUN)6J*2)OSWI'!.6UQNJTP9UR$*3-FDGED^0>25E+D")!W
MY9<\M8;)1RQXO,<TE*-.29+JD,MMM)WIMM"4JD:D^)./[1W,?^JZA_`7NW_E
MOBHRLJ9VQ>.$R?:Y98)U(U%M]KEW4@%)\+[LZ&C6$IS-SD9V3#AL<TC^Z-8*
M.^]'EQY"GV7'9#KVDI<7[M,!21$)`/Q$F4UJAS:MVF=7F2)8WK<Z@>64T\[8
MR[,&*Y:I%LE5MZU2;4-@CF8P\BN:J6.BI^&,XTU_,Q@7Q?*A9?/>C<+YB*)A
MZO$ZPU$+'Y]@E?5<+[H\XEZ4U$'P(#&T<R:0T+KU?&0A<!KV[4U`@LH6IQ:5
M.*M24DR[:9U.HWV=,'5U%O3)@Q4S9&[%S?HU*C?`IY+&M1YUSJ@"#,?^16O5
MEEQQW2?YVT^W6]X(TUQ+%P08`P!@%`RO[TH+^@&U_P!8E,P7U?27]@@P!@%8
M=>8Y_*I<B-TT05.51TD(6^/#`+E99JY\6>S-%O:&42`1L&VH\Z,A:EI;^%'M
M_P`IO2=_B*JUP-1[#5O#FSS4D"E/[.F8Q&G1QSXRA>6P1P&X4(ABA8A7G`]>
M@K`%RTFO04R9D/;,EYB,AI2]M^Y*I4UXOE0^=5#PKT2K95'.NH-R:G%:B!6F
MN7>53<!I$8G9C$%Z:.16$P2\P:0NA=<9Z6V^ZQHB^E"M)5K251X_E0[7V#P_
M07CFXE0[$-FP[3!O$-`OG7E<.@0[A#B21C]DBBXM9:&L%S864H>3>2UI1.`A
MMB3\K;36D*BDOE0_+M7O#WHUV?Z)=*=V$[;Y#H/:BSW.?*Z+MN!75KD"P$>)
M`K,2%&K"9[BI3PUMM,*5*5MUYIQ6,!XDJ'+`#>(8MYE0VH]A@P6;I4^A)!1>
M;>5+5;7<:0IA^MFWZ\FK:$2'X1*(S.6A;*FI)!E$EY+CWN6I@2DOE0V&_M&\
MQ_ZKJ'\!>[?^6^*C*Q_:.YC_`-5U#^`O=O\`RWQ496/[1W,?^JZA_`7NW_EO
MBHRL?VCN8_\`5=0_@+W;_P`M\5&5C^T=S'_JNH?P%[M_Y;XJ,K']H[F/_5=0
M_@+W;_RWQ496/[1W,?\`JNH?P%[M_P"6^*C*Q_:.YC_U74/X"]V_\M\5&5C^
MT=S'_JNH?P%[M_Y;XJ,K']H[F/\`U74/X"]V_P#+?%1E96=ZN7CYTBP<XL=O
M@=D(R^56K=UJ0]ODODC!KZ;0W`D0!Y@W785%8#6.6#^I4^/5.9?W!E?Y5GV+
M]=[8!*25#'P[!XZPV2(Q,'LK]6GRJX48I4GD'D2[51)^N=%.]6;L@J!^S_4A
M@X7O)S4N<ZMYQ$A$**Q[$L,_&JU%)&`C1O%>*/<#)$][D`G^E3>MS0$^G>7A
M((3N\\_^:Y$TL+(`),0L)_-*4D4#)"71C<MM"TL:TG6LF!?%\J%]_P!H[F/_
M`%74/X"]V_\`+?%2961:[]?X]?ZA9*2:<[7"$6H-/!D95:Y)Y&U<\Q#(QUQW
MW!5@`T*`7$S$MKW[76'4+U_)^.M[UM44:*_BDO&\/#K0^I0^VT6'5ZY2Z3%;
MIG*?(\$]-H?/8-KB5&E3YS-"60V#%/7&7)]S+K,QZ2EI3KZ]-Z3C`M)'!'WX
MI,5=NHKJ?6IHM,"\0791/EGE$3L$Q?2#@^S78M/M$ZI/V*=8CEC$QIVR3LI4
MZ-*80N.ZUM.O14E)%ET_K_$J'6Q52JXWJD`('9=:B,O\2\A2<MQR3)>G3IQ`
MH4H$TH6*$R$EV3*ERGGI,J2ZMUU:W%J5M49627^T=S'_`*KJ'\!>[?\`EOBH
MRLJ^RV[Q]MUC*V*P0.NSE'JO7JF=$:XIWV,)+0JA;'KI49DIN)SAB:@E6SLV
M6N.XT^VG:)CJ'$N:]GM8"DD1W4?PY9W>-C^4V(*CII>M'.BL5_QR[D!BW@C4
M9CY`$[9X@GF\.,61'G2G'74.HVF4XXK;VG-J5ZL"^(R?+COCIQYXFY28/98S
M)$.#`(CE>/\`D.>5!$@2EI/LQV2)CGLTU,?GV6[ER,N1,DR9,B5.7M3GL2VA
M"I&I/B;.4KHE:Z`@BY7$69*12XS<O\R42\TA6U2TO+9^C1=:Y7EDD^C"O>J-
MIU+6_32]IVI/K2-4)Q@@P!@#`&`,`8`P!@#`,2;.AJV/46/DX0<8B4-@KGD'
MT1HJ)9@E$#BXZWG-I0ER<4GLL-ZWO^<XXG7^'`([5.E\^O3KK--N5=L[K&BN
MWD!"D4CMK[':;#2"_OW&<<TG8ZWU(H-=UO\`%$P?(;W_`#FEZT+1HXK'U#GU
M1>(1[);!`>0+$CCDR/+?4E_0HK(-1H,R,RA"W)R'7:Y.]R6-.+;3&6I>DI]-
M["C9.?E:UIM6W&])=WK36_>GT<WM&W-:;WZ^B][0G>_P_P`&O7!#$C[&$*D3
M(D<2CRB%?DP8AB,W[_="DDA<<U!:4M2$MNJDBI3;Z?C4O7L5^/IOUU@&"/='
MI%9=F,';!%'N0&JD_+TXU,=2VS>S\JK5-S3D>,\VZDR>A.1T>S:O8I/N<]B-
MZ5L*$WP!@#`&`,`8`P!@#`&`0:[=*HO.5U1JZV6``?O5M%46H1I6I#LNPVPW
M\RAP89$B,R)+[[C49QUQ?LTU'8;6ZZM#:5*T%*D5B^07%I]4L5X'='K1*JU0
M_#JYXR-E.$6(1\E+&PA(Q#4)E^5-?-2#,34'<=MU$Y$EM;&W$+2K8M&?I+R!
MXT(E&X!/H`2$3KL^N#"HA_ZU!EN=;6Y3M<8B!_I-DROW9`^5MM45IY&OHY/N
MWKZ9_P",*,N+!#'%RXL`))G3A&$("A1TTN8+$I+,,<+%C8SLP@1GS)"VV(D*
M%$96ZZXM24-H3M6]ZUK>`5W2NW<LZ))K\.EVZ(>EVBEC>B!8T>$68?D4PR_+
MC"3LEJ8/C+&,$GH#Z6&Y6F7W?A<VE&](5O0K31B&/)#A,F8'@M=3J&G[`7.A
M`:G228\4M.K?TVC*Q\Z0AJ#*&Q7IK+*9J'-PGI#R&6G5NK2C849/J/?:;TNM
MP[?0[$,M-:(.2F8A<4_\T9Q^#)=AS&%:4E#K+\:2RI"T+2E:=Z_D]-ZP1JG$
MEV`0RQ=#IM4.5VM'SL>`?MC)B37A/P3)4TE%KZ(2S4QMF%&D[9AC?N4=+KSO
ML:TX^VCW>]:4[`KX1Y,<%/.P(XGJ56ES":9FX(_4IYDF^X/M$6ERHNA<B.R0
M;GMVJ8B#J.MI+ZW_`'Z2C>FW-I%HR],$&`,`8`P!@%`RO[TH+^@&U_UB4S!?
M5])?V"#`&`88S80=>T-4=+0!*2Y2.$&+GR6XR)Q>6U(>BCHZW5)2N7(:BN;0
MCU]5>S?I@&#IO1Z%T0;&,T6WU^VB9@6NV.(2`$XI*%(!6T.Q8:R69DQG%M.0
MC@*4U+C+UOT<CN)7K^:K6]BT9UI_4>>BR,D00MH>(5B'0M:?'.R-ZFI,V'5:
M^SQ41M(VZ\U+W<1>MOHTJ.VJ<UIQ:=J]-"4)TMUIO\''&V]^U2_YZTI_F(VA
M*U_SMZ_FH4XG6]_R:VK7^/`,4)L(4Y&ES!1%B9%@E#8:6\G:VT,$ZV5E!#D5
M?S);W[AI6"ZRXK7JCW(WZ;WKTWL*$>C]+HTL[#K,>PQ73L\W9*Y$':8FZ>>-
M5&%&(V.!I2HJ64.#(4QIQ2E*TA:7$^Q2M[],"A.L`8`P!@#`&`,`8`P!@$&L
M?2Z)4K51Z/8K*/&6[I$DS%I%?=^=TD?77AWW4X]&8C,O?!!%0MHV_)?VU'0X
M\TUM?RO-(6!@0'=./VJ?31M:Z)5STGH<(R0HRQ1%$Z%:XM??)1S&P1./I8T@
M]"6%FJVTV[MU;<.0XE*FV75)%HS]=[ER!F:U`5T2KKD.7Z5RQ6XY)N5&B=&A
M?;DR:62G1M.PA5B;D%XC'TTEQIQ4J4TPG6WG$-["C)/2;]3>CAW3](L$"Q"H
MY*<'E2(2G$N02PU:43AA")(;8FCY\?WH7MI]MMS;3B'-:VA:%*$I0^[U>JCS
M.H6&_7T^/J]/JHU\N?/%'%-PQT!CTTIQ>FT./OO.N+2VRRTA;S[RTMMH6XI*
M=@E7!$+,^0'%:]!,D#?2ZF+8KH6DV$^U,)(9GA`W1W"3=%FEA:M?<QZ;1L/+
MW$0ZRAQQ$5U7MTEM>]"T9VK5W+C](()%VSHU4!$%T\A?FXLXJPEQRG#(\J7*
M/-?'MQ+L-40?)=9]N]KDM1)"V4K3'>V@*,[87L/-K#:1M)%6F*_;#%75=!0%
M^&3'D"%7;^U_.7BM$8,33S$/9N'I].M_+'5);TXE.U:U@4?$LO!"O['U3G50
ML,2K6JX@ZZ=G`#-HB0S,M(YMX#7HDPB;(:G2M-#TH&#1TF4ZC;NG4Q8K[WM^
M)EU:`HS"B>\<;/%A8()TBJ%S!L74#8<<-)M391,3?(+A2HD(+4?Y-RHQH4W]
M6A2/7V15H><]C3C:U"T9;6"#`&`,`8`P!@#`&`,`8`P"ONL47?3>9WSG[9/0
M.7;JJ:"##VX?W#=>,S(+R`EB;@?40_K'@!?X9C;7RM>];&M>]/KZZ%3HZGGY
M_P`N.1#.@C8WKKZ/L-NK=B%055^3#BAUB*N`>F&(B81_W3+&]V%D]:4*=VF,
MXW9IH]Y"V5N..C68X!?Z<;JJV)$6NYT:T3(Y*P.2]SN;*=&"Q%LA=+C6*%4H
MC]B<V"<G.W_2MH9^*'M"'F],I0ZC309BZ+IXDV0G2>5U6C]!!5(MR^=U?0BS
MSZ2U98XVM=&0>8CU4-2291=39@C!A*,.0\ZRM^)"B>R$J.VZ\PZ)4I*)^G!+
M2U2TFNE,V"'6HE\B/U9#%PJ]?:1;H\+0S84E7KBQ9X'V",/2'W[)36Y`1]QC
M6VD>K2Q<QNK4.$B(O-*=2.BR8UU*!*.$I-C)"X;E*"6D<%2ZJ+!EU>MRH0K0
M:*Y(<TW%VC;.TJ5[D>BU)P9J7W@@P!@#`&`,`8`P!@#`-<O)#B]@[.(YK$JI
M\+3K#0^OT3HL.[2QY279:S!K9!:S_P"1WQQ,='C';)7WY0:0@@B6,E#",IB3
M'=0OVX*G0UTH/AM=^?43I7+6S7-KC5>@3FK8F59QW0VOM5YK\JAQJR78AC;T
MBP#TR(U>F%'(X@T)&@R3<*.$B08;:T[%<JNI'[OX%7^[E$62?W-S\VAA/.:]
M7;3(C=!DF96Z/SGI'.7.@GIS/3(4N'?=M]-D&(S`=P:&49@MR9D>4](<=:%S
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MSD]SFN'&;8?%6.VVZVE+E92(`-*K]?T1G0A8B/%"!YQ4Y.APXX@'&TOY9;RW
M)&W7/5.EZ0D9;J7#@A1'6>1D^A7+DEI#%Q58F<[L[9B=8VV+'JXN`$&*X:+4
MT#,#V0*)0!OB:X@<;9*1B4=V`YM3;*7T-N(%3H:Y7_P;U:Z=06!%Y0#ZU36C
M1LAU]J+9(1RQ7@R?-7&9.5&`VP0Z'#3KC<#4W2H\C[L.U)0W"F,I^;Y15+'N
M-[0`^:)`A!9,M(/DAH@:/('9;+4>4:FPX;,>66DQV-[98D$7VU/+0C?M2I>]
M:_#6#)E\`8`P!@#`*!E?WI07]`-K_K$IF"^KZ2_L$&`,`IGR`Y1,[5RJP\]&
M6==),DY`&>%M[0Q)>1728(^,--3HT!4P?\SSK4%<?_YS>TI>5OUW_)L5.CJ:
M.N?IR31I[1NK]68@:@+ZPQ4ALRK./!Z4%ML:0&Y^"'!OO3H\R.J-*VQ7Y[,Q
M*HQ2!':7MIM326]C68R0+].H9'C4>);#]&NC%?;5"-??>=;)O/`&+3QRV#JL
M$DEK"2?C@([W)DPG&)2I#3D22C^9K;/M<A,V-27=5\,;E>1]8'`.EUP1H;P2
MJ\1N4VQ4EZVRN@#ZR8'DV]2-%#:_RC"<=9DR%/BELDI$E]'U$A[46(J/0I)?
M25P7_3G-3)9(I^UA@X<?H@RN@R=E$'78E:LPNXNVI%B_+T:S+%6T3+G/((20
MYGZP?,*Q4KDMO-NJ2@7.>AC/+ZAHR/LDP>J:='E4V-N2J819'ZM2A,T),L[8
M)$W8AHQ-&$'&5N_$I6FM(3K>OC3O0Q4L/`&`,`8`P!@#`&`,`8!KAV3BM@Z/
MU'QUZ!7+`&J3O'+N=L%@,Z'$W[B;J1JNR!1;G@B;&*1!":O<I>HNS#!"-,;W
M]%&DQ]-RXK#J14TDT5TUX_\`6*@3H<ZH6R@V8)S7]J]BJU0M8.R!6$=+ZC;[
MB03<I1<'8)3+K%6I=RDAXL54%?\`DI,YS2].26-PQ:I\3)W?QGL%E+NN"KH+
M%B"ODC5?(0LEX99/KHK]+%\SC"J["@B;<)K9]HE*H#VI*S4.?&9T03)8C)F0
MV'M@G_D67P#DQGDE;ML&PGH!XS=.BV?HA%0MNQ['#)=E0.0^,AD+C8[;;2S*
M71ZG_EGD'ML[D;C1D1X,>+&9$;J9KO?.'.O\8Z9S%F)5ILF[U`O7X;%TB%IM
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MP%:C1IQ'>EK7*;W'%KAWFLUH\%I4I/("U"Z1OG=_Y;0*/2Y70`<`]'*VR160
MU>J$TM-A0;5!C0=;J053;++2]ZF+VU&)*FP&4QMBYCT.P9&`,`8`P!@#`&`,
M`8`P!@&$LE;!V\(0K=E&QS`,LRF.1&R]+W'ELI=;?2V[IM:%^W3K25?AO7XZ
MP"G?[+7C[^ZNL_YN;_IF"U8_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9
M@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8
M%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9
M@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8
M%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9
M@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8
M%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9
M@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8
M%6/[+7C[^ZNL_P";F_Z9@58_LM>/O[JZS_FYO^F8%6/[+7C[^ZNL_P";F_Z9
M@59,Z3Q[F7.)\TG1Z<)K<\A$3`FRAZ9"7)$-#R9"6'/F?=3[-/)TK\-:WZZP
M*MEE8(,`8`P"@97]Z4%_0#:_ZQ*9@OJ^DO[!!@#`(O<*55;^&77KB$AV`*Y)
MC3%CIVG-QU28B]N1GMZ:<:7[V5[]=?CZ8%:%5?V6O'W]U=9_S<W_`$S!:L?V
M6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_
M9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V
M6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_
M9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V
M6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_
M9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V
M6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_
M9:\??W5UG_-S?],P*L?V6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*L?V
M6O'W]U=9_P`W-_TS`JQ_9:\??W5UG_-S?],P*LL&C\PH'-4$FJ)5QM9;,+BN
MDTCDO)U,<A)?1%4[\SSOXL)DKTGT]/\`I;P*MD\P08`P!@#`&`,`8`P!@%4=
MT'WPKQ_HP[F+\V/?)E5)L5Q0LC'#F'):VO\`+101F6XS$#6";#^5F!,=<;;B
M3'&G5+0E&U:%7'$TN7/\G6;-6JQQ*N=%HO*G9%.:AQ;S7P1F6!I$@Z/?NILU
M9+^=L-T=Z8[853H.H,EV;#9KCB9S+2GTMJP7#GQ/J%:O._\`9)QLC)@Q'.@E
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M.ZL9=.1M!@@P!@#`&`,`8`P!@#`-.?,8'?28KA1?G0F[VHY4O(SEQ^31ZP^2
M@5VV!/N$D8:1T4P(,A90&L5@<1<-L2WE2X"2@V*W+B26'5(P:C3&O8:M\NH/
MD$$MM1"6UCLI8/OR'@%@?3]DKVRL=4J55ZFW?3UUJQ/HI1V.WY`W)+L/<*0P
MZ`'0%EY<"/&TJ$J:*Z=W`]">#5ZRU3FD`!;)-CF%QUHZ2AJ7;3\NT6&4"?Z5
M;I54D$3L^:0F$%/59^$IO;CNU(9VA&](]OL2,OB7#@A#^A#I1B@W@1!*60'-
M*5"RCH9JF_'NWAY4X+-BQRE5T]O3.[(/==T]!]V_;]4A'K^&`N)XKC^7^:,C
MGW&?RW&Z53)C/%:L)Z0.>D=#D%J_0`,TM5SX6OB2/6X<6=T?I()Z-:?MCDG\
MV!B#'V[[RTWIG(<E8UY&[WCF([$GL(PW;JE:Z=76_'<&!M@F9(M3561T.(5J
MZJZ[$39>GWZ(>).5!J5I21\:,[7GTS(I`@8>EQWHU,NE.^IOU@R,`T#\OP?>
MK&3/@N.-&UE3WCST$+5)`:V3*._!+SK)64W9T+:6!92&&Z1*KVAS%<D2-,+C
M:<(2([S:V5^HU&G/M*<E5'R1HG4E'C\.]="Y+>1#+O4`\LS9'=<RD6ZF[;O2
MZM)A6IY1YZC502[%AS84"-$>=^&(U`V3?V1V+@UWGHOQM-K1R+E:+YN7N\(Y
MQ2$W+<_?K.W:DUD9JP?6[]=^LS[MI[Y?_M_7!E\2R,$&`,`8`P"@97]Z4%_0
M#:_ZQ*9@OJ^DO[!!@#`**\C1EN+<OEQ:A%LQ)2+/19EL"TDLZ"N9_G4&Y!)?
M0P=5+1R867%,$ZBS+;2F/,BRI#6UL1W6WW6U:%5*XFGA@UYJ-E3(OD`"R@Z>
M($V*940UQK=2<A1Q(;EDTEQRMQ['92I"WDRMTMS/TEO426]*%26F&6'8R7G'
ME#7AY\3/V6V^;(RM\.E@(,BS/O4SI9?I"F*@+$V"PV&"^T]0ZJ6@%`"8E/-3
M:JM]29Z(@\<L_'3MUCZ=QL<\)X2(`"/Z@)JNJ+''2[$AC<QENJO5#G,!-H&0
M9'*!<)PM)TW`.BI5H&6.T3Y7TRAKS#XIE+34-.E,/B^$@UHZKYI<L"4ENWG9
MH-RV%@0JNPH].YB?)MW&?UTA3`?-T`G3$8X?I#W*V(Q@A-COOG6R+S.DS&VG
M5L(!)/@;^^.T&_2Z:/NW4M'8G0+&!&!;...-1(2WYE//6^%$MD<..C#(%?9N
M8HA'F-C]0H\J%%^%B7MV2VZYL9=.1L)@@P!@#`&`,`8`P!@#`-%/+:H=//\`
M3?&DES1WHZUQ3/5JW8MU;<]JJ4L3<>:E!K?7S#\4V*'.W7G,UEM5?@$F)\(K
MN=+B);:DNQY+0U&E'4U!I_*_*V9%<&VISM%8#EQUW9IQBL6*[3TT#E<FM=@&
M6T45KMHZ,2MA7H5IL,RK%`+!.3*+,[^!N/(@:A2&FH:;7*AZB^/J;>WQZE,W
MH"JM6*/$)17!+J2+4M`B*<*1ZQ/)0B]INY,27,UAJ'-F0'S!)T?*D.1E2'-M
M>[=,.E<"Y,$-=_+6MG+=XT=LK=9(WD58"W/CT<1*YM!F%+HN<F/\S$`.,&D0
MY0DDJMKZ63'B3(DM^&\ZAA]EU2'$BQXH\U)].\MBO[;R9JD]9JSUNXA5AU&J
M("PWFW#*+TEFK\:_+$006%=EJVSS,"S#+$B/)CZ#NUB2F7*-R#C!..B.-UB;
MX>-X#IM:Z+VV';(=JG5@O+KME@6JZO%5%?S>7?L3UCHX)^3:BP6Q4RG#=CTP
MB@X0`CN[D+9VU(6TK;`S*F%#</!D8!H[YSUWM-CIW.&.+1KF^4']!65,IIA8
MB-E2&(U3L;8(;-V)M-1E0&R-H?AIC&)#\\57YJ69Y`62BLKC[&HM+B0OC-3\
MB^7^2)4"9W;.F\<LA:[HBWZU3###E1:?@LV\@_$'3K:786R;L\L>-;<VQ\4E
MV-+='1QD-M<=T'1KO/1;!D8`P!@#`&`,`8`P!@#`&`8.R039(&1@UPZBLFY#
M*4#SK@E@X@<]IUM:GE"93\9B;I325(]JG$ZU[O7U_#`*;_9_WS_>'@?P;KG^
MT."X#]G_`'S_`'AX'\&ZY_M#@8#]G_?/]X>!_!NN?[0X&!Q.\X[L_I"7_($6
M\EMUI]&G>+UES2'F5Z<9>1I=@WI+K3B=*2K7XIWKUU^.!5'+^S_OG^\/`_@W
M7/\`:'`P'[/^^?[P\#^#=<_VAP,!^S_OG^\/`_@W7/\`:'`P'[/^^?[P\#^#
M=<_VAP,!^S_OG^\/`_@W7/\`:'`P'[/^^?[P\#^#=<_VAP,!^S_OG^\/`_@W
M7/\`:'`P'[/^^?[P\#^#=<_VAP,!^S_OG^\/`_@W7/\`:'`P'[/^^?[P\#^#
M=<_VAP,!^S_OG^\/`_@W7/\`:'`P'[/^^?[P\#^#=<_VAP,!^S_OG^\/`_@W
M7/\`:'`P'[/^^?[P\#^#=<_VAP,!^S_OG^\/`_@W7/\`:'`P'[/^^?[P\#^#
M=<_VAP,!^S_OG^\/`_@W7/\`:'`P'[/^^?[P\#^#=<_VAP,!^S_OG^\/`_@W
M7/\`:'`P'[/^^?[P\#^#=<_VAP,!^S_OG^\/`_@W7/\`:'`P'[/^^?[P\#^#
M=<_VAP,!^S_OG^\/`_@W7/\`:'`P)I2*STD'/FR+MU"->H#T-+,,>Q1!545"
MEZ>2M4Q4R`3G.2M*9UM'QJ2E.O7W>OKKTP,"S,$&`,`8!0,K^]*"_H!M?]8E
M,P7U?27]@@P!@$6N(JT&`JX50M;5,,[DQG4&WJ_$LR$1FU[W(B_:YLN$PK<E
M'X:<]_JC^76MX!5'[/\`OG^\/`_@W7/]H<%P'[/^^?[P\#^#=<_VAP,!^S_O
MG^\/`_@W7/\`:'`P.)SG'=G5-+=\@1;BXZ]NL+<XO65J9<VVMK;C2E6#>VU[
M:<4G>]>F_:K>OY-[P,#E_9_WS_>'@?P;KG^T.!@/V?\`?/\`>'@?P;KG^T.!
M@/V?]\_WAX'\&ZY_M#@8#]G_`'S_`'AX'\&ZY_M#@8#]G_?/]X>!_!NN?[0X
M&`_9_P!\_P!X>!_!NN?[0X&`_9_WS_>'@?P;KG^T.!@/V?\`?/\`>'@?P;KG
M^T.!@/V?]\_WAX'\&ZY_M#@8#]G_`'S_`'AX'\&ZY_M#@8#]G_?/]X>!_!NN
M?[0X&`_9_P!\_P!X>!_!NN?[0X&`_9_WS_>'@?P;KG^T.!@/V?\`?/\`>'@?
MP;KG^T.!@/V?]\_WAX'\&ZY_M#@8#]G_`'S_`'AX'\&ZY_M#@8#]G_?/]X>!
M_!NN?[0X&`_9_P!\_P!X>!_!NN?[0X&`_9_WS_>'@?P;KG^T.!@/V?\`?/\`
M>'@?P;KG^T.!@/V?]\_WAX'\&ZY_M#@8#]G_`'S_`'AX'\&ZY_M#@8#]G_?/
M]X>!_!NN?[0X&!85%`7P$V33>.@L7U<ER*H:XQ3QU2^UH:2_J4VI`\A/U/\`
MJU+1O6U^W;?Q^FO7W;]`P)]@@P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!4K]2-N=U%WI+#.ZY%Y
M*?J3TG<EO4A)N?<:V8C,:A__`#E,J@#75;<_Z*5:TG^7>L%KA0MK!!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`1VWV:#2ZI9K@4B&9XVJ@"]CGP:Z%)6.P
M3(84?((R8H.OAX\LL<+R&8VT1XD9IQ^0]M+:$[4K6L#B:Y0/,SC<^E\(ONOS
M=%`>1G(R/9>;KFUQ;$ERMCJY3K6L.>;U*6R$MLL+=&'(\%QQ7S+BR4)7[VM:
M6-975KL+#!^1_"K*>%5@%U&IDSQR26BBAD:?O;\QT-'5,F;1M;:6D,.P4_41
M75J2U.C;T]&4ZWO2MB49$B?E=S4.%N%F(0+4W6*C81U=0:9A!)JK0[+NLZ@D
MC-9KL&P2;B]5ZX?#S]S"<P;"A.0QTJ5$<DQV%N:#*S%7_P`R.0<YDV^,;1:9
M"Z-?@W/C[D`6/;8^O,4<[?5&`[Q<P)18@PP;5BD)](_ZD@X8'/P(T61*3IM0
M49/CWDIP>KVXU0[#U&JA[=78[THX$G3'&9(QI@$BS.ZE.[9^E0_H$\W(TU\F
MW5)>;UI.U.-I4&5TKR.)'DUP-;\**GJ57^H)#Q18<QN1(2[/$F0I:Q0RL-"H
MVE21C04#-D2I"/<S!1%=U)4TI"M:"C.U)\CN%0SC=;D]2J+1MPN'`I'[))4Z
MDR?(E1(@<ZM"%,LR9I$)*9UI:D^U;._=[?5/J%&1FX^4%#Y]U!OF=W#VNL(>
M?JL2/?RC-<309$JZ"+T6`1T38MEE6./M]/-S#3SD@8Q'C*B;6ZXAE2'5!1M5
M1G)?D3S=\*&+TF9+ZH]8[Q,YT!"\[V*)%"=K%B2%B,0DO&BH`)`BBJR*?).2
MI<R/&<A:;<96[]1&T\%'S,"&\LN)F:X^?1:$0'X]CMU/<KY7Z<<93:Z;LON>
M`=<ER60D2:1;"O;@N/S&HLM7HA#NUZ6E(49D('E7X\$[$-J4'K%6DV,O)5"&
MBFWY2GIDI)5\'MEAU,7<5Q2C,945&].;2X^I"$[5MQOW!E9G:QY#\2N1!\56
M^E5@D1AUN=;IT7ZQ<1P=7Q<IR$5G$]SFHJ!JQ4EE:93#^VY$;2%;=;2G6]X%
M&B$1/+OB<^1<I$&QO3:K0ZM0K+8KG!&$R`F,OH]TLE$KH-D?`A2;`^90<K#^
MI;>HGI$0ZTIS>M*5[`RLS?./*+B'4&Z8Q7+R*;/WI,]`2I$G=0[+J>)&,F"@
MN6/W[TLS8@Y[YD?SU-2FDJ<C+>;2I6@<6B-\W\R.%=+BI>@V1==ER+*9JPX5
M9=C$SRL\(("G)+L%5?*6$?MMR!88:-,NOM36IKZ8+S#4[_NV`XM'=,>7O!(`
M^!)$7>'<B1<I5@H>M5%MPI8BA6WD1`P2/8'N:BZCS4OG(NI#4A;+D=<AEIS2
M7GV6W`RLS+WDMS&,"YI89$LIH?T[I\?C@YZ/`3-C@.AN"[+.F!K+/BON#8L8
M42JDL7(FQGI41)3V,I<5I6UI"C([0O,KQVZ"%K)<=T$>%DVV-$F!ZU9T*$6M
MR+/E$F8;KX/>Y$AC2X0Q9![6][5"%N-RY6F&'$KV*XM$H(^3_`A`U@N6Z?7A
M@Z76A5QA22&B$/1"K&G5MP#PUN1";>(C=H1MYYQA+FHT;>GWOC94ES8E&9MO
MOO&GZW9+A&Z)7)=7I]AU5K.=A2G)HX&;VN*CZ<@_%9>2Q%TF:VYN5O\`[IIE
M6W=N_&E2M!1D6WY5<)D$JV%"7T39C%JO+?/A0P`M4V6HYJ;"A3'WTJ2RVP'@
M.$&MJE[5\#WN]K"G7-Z1L*,P\+S'\>916V"Y%^BA]4^'*F$)QZ`4"Q9GVVX6
M.A%XHALC#CSB<X;:ZQ)B_"TSMR3_`#7(VGFM[7H,K.Q<?+/C]).FZ\3GF)LP
M.!XI969(4:V3&6`/WF^D.>4V96B+4Q,4NV/+0/JBRD*2F`,>:E*VIM?X!E9(
M1/DYP(^_&B@^IU8S*ED!(F/&%R7Y\APH>-3``(=\,6.ZXF:;GCI"X;2M:7)A
MQW9;>E1&UO:"C.M*\J?'B"O34WK53B/_`/T\E463*D,3&I-:6305'OPW(R9+
M!?U#2]QH:T)E3D1W%1FWDIWO`HSHF/*OBP"Y":H8MP\?#.\X#=.$7"3(934R
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M<Z*#E5`J=!`JW9+/4A1\!8#;!$Y6Q-IC+?>:2H7*VW(3"F2MQG_8%&CKP/*W
MA)">1AMWP8S''A99]).1M;<24/#N&8]F4AGV[)0G*I-#;C$$RV(_Q2Y,:/KW
M//M-J#*S,E_)#BX%JJSB]\!00MV%(+5D\]/AI'E&G)6XVH[3'U&S")#.FGW9
M"E14LPFHK^Y+C.VE:T%&<8[R3XP3,&1;-X#,Q@P^#/58)TIF!7B*95B-U:4V
M')S%LMDVA)<,E$B4UI4+>ID?;;SGN5[`HS'<\\I^'].*3PM8O`M12)+LK4.%
M/=3!D&1M4;8<+'QC+ZDNJ#Z2XZIE;VFG9#45]YM"V&E.Z!IH^6_+/QO>'Q2K
M78:<Y!FBW3$1Y$Q_:GX2)[HQG2&-1OJ-SB4MASZ&+[/JB#;:W8S;K2%+T%&9
MPEWRAQC5!"!795O<Z$-'V`:2KDNN(!B:J6(A!(JSG#%A/@(+4$N3L,5B#$BJ
MEE2#BU:BQ'OB=]@49&!OE;R,LW5W(<JPJ3;NEW7EHSWUZ8C;)FDQR<EXX2UO
M?K!IUE;C#_LQ)7^2([L`G2-:^M;]`HS%U7S*X-8N;A^I%+1NC5P[8UU,<W<-
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MNK]!KYHZ\&)V*,+B/O?53`0@@L9-+P4NL-IG#OJ6]J9=9VM$ECT?9VXSO3FP
MHR(2/+7QSCQ)LO?5ZRYN`"787X;2YJR6H*##E?\`IDC?I-35&U&VE1=#OC^O
M^5*O5G6DJWH*,PV_,'C,8E7A1@@8`2+)S7FG6(4HR.9B"&J?TYVQ,CY<DS]8
ML:B16ORXMPRVEQ6X+,N*YZN(>]4AE9/JWY#\3MQ"8*KG2:T3(C:Z[:R,)N4X
MQ('@XZV&YDB>W*98W#E#G)329<1SVRXBG$:>:1M6O4*-$5$>47/B<;GTF4*M
MP+73[Q"I%3C%1X9^?M1:M-6@'9;&.!'S4ZDUTW%GCX[&C+<`DW-+0&7XC*I3
M6]A0P<3S'Y!./4(!#3:'GNAWBYT$-+4*@Q&&"].M0"I:FR84XM%.30=IE6L9
M-%2AT.<AT/.:(/ZCP_>\@7*SJM^;7`TD(,`F>+`/JB?<14N:<#NPH065P*]A
M^>6W[NXEYYUC5@/'XBJ^EM#KAF,]IQE/X*3H3*RS4>1?#W"KP1OIE865C[=4
M]#1+<4XW#9'C"FRZE:9VW^7G89J)MHE[OH'G)+;;;RG%I1L*,QA?RD\>`$J;
M#-=@I`Q\;*)0I_UA=MEF),#AXYXG%D25)^F;D1!<R.M2-K]WODL-:UMU]I"P
MRLS;7::^PW?BUD"6FDTJC,U:0S?[:+;%UNZ,VJ`Q+C*IC*94BP$G8<R8Q`=8
M>@QY#A%Y###;J]^F!0ZD'R/X44&6\T-ZC4IXFACQ12V$89#ZB&(@&T-K%2%O
MM-J;EZF*=0VE,?;JM/+2UO6G%:3L*,Z$WRB\?1K*7Y_5ZG#9<AUTBTN3+?:T
M^.M46;-#$H_OCZW('+BC9*Y#Z/<S!U'<^I4SM"M:#*SZ.^1?/('/B73*JX0Z
MC60MK8IQE7.7`)2<.,2)L0>A"HQL[7TSM+EDX>F6HBY$J:B='<BM/MO(7L*.
MM#[YAY"4KKU;NUCI`ZRD-T=_;<P"J&)^_F&9=<A6RNR@L6,:E0]ZMH(BP["8
MF/PYC:W=-3&8KJ5H2#5"L:SYO<@LE&YI?GX%MJ(OI-XZ;SWZ*]IIM3GTJQ\:
M.VNM]+:MTDI<VP#[%9+TL@CW!)QE<]#/RPDR6O5>A<KX%JM>2/#'Z[8[8UTJ
MO.5ZH1ZY(M!)*YGL`JMI)0:NP"C'TGU40R3+HW%3`6C4U$C>FUM)7O6MB49B
MX_E;XYRXL&;%Z_3GXQ*"DA`=:G.+U*8=,*`Q&V4Z8]ZII,HA2(<;T^IFMH6Z
MPVXTA2]!E9:%%Z)1^FB)!^@6@1;`T0K-"22(:2F5&9*#_B5)B+5K2=Z5\$AI
MYM7I['XSS3S>UM.MK4(TUQ)G@#`&`,`8`P!@#`&`,`8!$;Z=&5JGV`T91MP5
M$@+1/1J4U"WN-,6W!<])3ZD-,;UJ3_TM[U_[/Q],`\T%G_""=5N2\&U'N+W(
M^5\.$5BE6F3$ZG#D!J_63G-#=;%)]U:192)%`'E4,[++O;:99KD9V4ZMP?,?
M=2-^+CS9*J<WX'Q;..`0#MDLY8W(#_0Q+37>HG*Z5$UR$[3*A7WY16H_E.=5
M@P2PQ18YI]Q:)4>7!WM<AR6R[(#Q$(DQOT_;K;R9,LQ9[E6I+4]#%>,AKY-H
M+4NU$;&].JU%I#=?T<LI)^T6XN\^(B-3'`4]QSXV(B?:G0>)%G\SI_@Q7'M]
M8H\H@;(<O*C'#-KD0;_9BUWM-K.W*L5:QRVY025,ZY9I5JLIV$((#&B#B2$F
M2RPOY$[0D/$\#*62'X5=N%]:M!&P$[*&=^V$+S)'M7[Z*8_9&H%-`N56"T&]
M+;-DEJXQ"C,!FB"]F&=1]M[D*VRH/$L"H"5,_3\&3#;YN\W"-O>PVCPQT;=A
M294;GTA59VB#&$44?/@"9EK6X+=V'5&COF]OAHNTK<DCUA69+IM/\&ZFY5]%
MNDG2EA9$0_)(+89\TW=CQ2NSV;!,8MB5)K!H:MHI!+2I3++$9H@B/!U)C);1
M#4ZW!XB9W;HGB#=IDUXK:S-D*E:Z&JLJ:M-W"BS((>CJ_.T/HM4T*/J\R0_$
MN-L]JFI6W":H,A4?3JHF_92),B`FV^#54YS4JG6>D6>G!P-LU>J(=K]=NX"T
MU0\4"F@X<8F9'H3#GU=EHK<V",@'(\F<?"ZVXUJ9I+<C0OB,_P!BXYX:5$X!
ME=2.V<$2%5XG<X\'[I<IR)(*/:!\-4^;#@#":X\Q5SN,2)#0S].1FRYJ8;6G
MDN+84(G*F`8WX/W.I6DH%NI6RUVFL5*JG)%0(=$+3VOS]8:[$IT<$Q61\@X=
ME&K-5XT2,\)1)6W-B/L>Y#S+Z6P\1C*C(\$><BI=/AW>:0@RQTV`9:*(NDZ/
M*K_;AT)$BPDEBJ_$%#*78HQEEE)EM,4+#>DH9T^RXI*,A?$SMI<\?P?&7[IS
MI'2.NT_LMMJ-'MUX"VM.N@.6`9T,F@/8MC[@_7BY&P@[-8'5N1X4)4A<"&A7
MT[C#6O=28UQ(YRUWQN>HQ_S&YW1C\L]P^OSP),42O7,9;SHJM<RJ3XZ+*NE@
MM,GGX7[-S^?#FNRD'!ZH$A^9'FN?*AZ.D5UKE?,H^-)\+VN44/H*ZWY#1:WV
MOQEMODH/'NV1,$Y9*=6!O.B53Y298&V)F(J[C7B(V55(T5[Z9Z4+>=>GNZVO
M<@7Q5IAQ+5>_L1\EAUZ(.L]X'%Z#TJKE["-CD;0*D1)1R]\.=GNW>0@-%KGY
M*9L[-5(?3Q5,1"<J,F$.V]MYR*X)XF3;3_A7TB!T7E.K';[=`>.=H[K?7HD2
M]BH=9+@JZ/IEY<^\#`8&%69(\3>4*'L1?B>E3V7YB5OD&Y#RP\2Q(JFB>)5;
MAB;!?:Y>^$E.HSQ5XKU3E--&;,;U5"H^PA'Q16B";J2#GBC2(+:J^.*HF[9'
MI::C_P`UY;L%9%2%>?>()"#;D4#J'0.?'A=<#CX_79\&]V<!7`'3),JI3Y@5
MX)'`BJJ:*,)E#W@LE<877X^W/0=#;==W@OBYEEBH7A4_Q4MSH]NX<]I4@U8>
ML3A,.`:F/#(8(?7Q]F:GV.F50B+F#047H,9IV*1?ED(.IK,AI3>VHCS%)XJU
M)4'.^&K-L"VYFSWJH*J)2".C3)DJ\#AEEB\XNY&I0'[8*<%OO)YU7;M5([D(
MQ-U$$2Y<]A*9#BI&FE0>*AG+34/"ZV<T1=;/:+#NB7CIJY`D^;9MT=("_P`Z
MU6*R#6'0Q^M;_+L:%9+)+=B(.0?HE(DMH7\C"VDJ$K*O><W6V_#5X)3^O6Q@
MV<^X\SV;Y]"##+S"V>IE8!NC`[7V$6'B0@D,VJRQH0S9)B&Q*)38C<7UD*93
MN_YE6;@BE"M-\4Z'JFUN\5OIE"I4+G'/OJ[1`+@QU:J*KM-.=.K5'+N`AH+I
MLTY\G*MP()?0Y1*.^W':CR(Y"8\ZX'B])$"/.?`WYZN\SV\B/Y.3F221>#,&
M7V8WT&[CZL3:JQ1^VR1R*DY(Y;%O#*EM_;GI$8W(C12KCDN4F.X%9>DOXUT?
MPIMTJM0"1NRM`F^;F>>OV>0`OU""5$%36Y7/HK5AAOU6N1JFT])ZD2BL%EQX
M8R,3A[C?*W)9:9T)22.]4&O$A%2MW6.9F#_0Y'+7'NL6LL7LQ>KZDV,F9KYT
MT9M5AOS55JD$_/,\J:G$HTAR-N(IM>UL,-R6D+%\7!F8JW)?'WR';ME??J'3
M8<5Z-SGM\"?;R`S3:%]=>M?2JW*K8W1`]'3^5CT\DT_#*0UL-RO>QI,F,E*M
MB8HAMI-<=Z!;S=!+T/LU3F3QS'!>C0Z?9Z.Q5W613)%7'DSV1-@G""AJ22F2
MX8MX4WIP422Y"+Z;980A`N-*DOY#%XM<NH`8\41TUH]T[QT:[".C6.\@G&1@
MJ_A*/3[D>(5BI']D*3T6PP_M\5XBPT@=+D12"QKB%_5.2!'6AK`$C>%\J!Y(
M5^G5WM1B'X:WBNPK588AT4"&6NZ799M*K;5;4J>-1'K/,K68)MFR3VA06#,#
M2G9#<N,/TK!JLL.&)?%S/>&0.6$K=V.'65T*FVRN60Q+,V61-%)Z4,?01=**
M@1'9%X*]%<OY)Y@B);F1'9#<A;:DI:]$PGB,G)YQX<VND5$\J[=`L5$FV27S
M.G/#B5_+0S8.B.6^XR^4C$"P4@F9Y@!CUXBM3J?D9W%%Z9^N4VCV*#Q(@]/-
M^#E"N0"V56Y6FXV+HGT/-"5JL/YA*S24.WUB7.KB(IBQ59@D4-BAI:$"8%U]
M[1"/LU$8FQ5+4WM(>(RDD/XBU7L-U`V>+T.MEN86;G<N)&2KI9^'>+=4*Q02
M-:M`X*"K))9,A4!W2X`:&IB0\N<HC+1N.O;"'&Z/%3YR2#@G@]U-T91:59RH
MR71:ZIR<3I\.XU9BVU>FD0I#;IZYR:S'`WY0XSSB+*C3V)<@DAX0\J+(2A$O
M2G`>+BRM@M4_3,D1FRH1<D-"89KT</I0/K=;;IY$-*K\=/2PL4K78+U7(.2Z
M`$BF;0I+<33HB"Q,D(<]B7`K(V$$VCQ1LM&KL(4[81=`X7^RH759K%7O5=&.
MIZG`!1.>:"(0"BR[0DZ@G#^53++GPN/Z=D>Q*O?@F*?>:U1@'Z;;(S5H#="+
M0Z\,LU9N4DH'8MSXV$?'3-Q1#9PGJFRY:I=B("%F(\6>^J0]$8DSX&FQCDQ;
MHOC.;3/@Q7)82/`,]3N@E$6RPYD.3KH,>@#QQ$SS^C7VX3]NU\*#8C$!%K%M
MQ]#]H'2!,)38EI"&E)5!XB_Z>+\4^"%N?6X5T<R&1;P<[FU.F^^1$J=IAU@H
M>^OCDE5FJC*^2(LEB,B2U-(*VXKX%/QG/C7)6]28O`H`USGP<*V5V!">L5]N
M=U.U%-H,S%,+L;YFUW^/:JOTYM-KJC3)?:)Y>4M*Q+"Q<Z$AYF1&DJ]N"UD7
ME8O*+Q<NXG\GE5/D:73+'RTR-G3Q!$#59:*W;!+S\MU\L('"8R^8E!7U!@+(
M^*>W$AK<U&^'6E8&67I(6L1X55JN5XS76CEJ!]_N;L48+!0;,UIV$9[C1TVU
MT\W``#R@8#5^D1HK3^CJT3$NK6,8<VMUN-H/$S[HTCPI,;T.&V[H9MTG>J`,
M7=;.CI"4VOH%IBW.JU&!+LDL)"@K,,MS9@5]IW49,1]B/&?TEY*/=!XC+B>-
M^%VNS6.@1C5HG=2.1IE5(TR80NSSD<8BGE4D_@<=%(1^7I`,G)_[X[*='MOK
MTQ'<;WI+&J*RI7D<E+%>((#H-_$!+#>)MBKO&^A4V\SR@^V+:IG-^</AH9(#
MNXOUN(>`SZG7[O%8$_2SDR9PK:7]*EN,HD)$\5"!"Z]^G^'&3JJ%ZN?C3Z);
MATQZT!3ML04JUTL%@EC81^$9$@$UR&M!F:MAV0RU]NA(EMZ>^)N0Q[Q?$2;I
M$3]/\O5^73.@7%4<-^4ZVUS];Y:^CS6JMSBBVT&$D3X<:&W88$2;5>INK;61
M:9T8DRQKK/SR-0=[$68EW*Q?BE8K^$I-2@'>F&IXOIUYL!>]"+&0@-VA1;E[
M=R<N#%O`CA;/3)A90R6^/2RP0$*3M:HT5M]K2A7FI4H&&%\"66"TCIQ2UU`\
MQ9+Q5*=^T*XEB5[I2^0+IPJ&<KZZ\LH4H%C"IH`9%?686FQ36H,/X]R=O-I6
M'BY%M0XWCGXTB(?D1QWB5FLO,8O%[5=%72B2A#P<2.'`ZC`;@AJE:30LXYT7
MH0VI#8"UM,LK7H<EN:XVKUUL,7X7Q(!80?@&=+=.F6U-AKOT=_E!OSI/6>+`
M;):`56']XF'Z:B/'LX1QH1NT.M?%/AM?<9PMR+J-+0PUI8>+`ZUDHWA,+@.V
M8*;NY9PW<3DV4(@'252(U\M#`NH*N3$'`88Q7V**WT!I:QLA;?P.R6(TAAUB
M$S%C3`+,=.IH\-['1[/:V_SG^=>/T'N?2#5;L$E)WH,FEHB#*]8S)5SH]836
MFSQZ!4`1;;&E-N0'B$93[GTDS?U%'BX&PX;K'CM8>7!N($;#8ZZS7:M4I`-L
M(8-7ZPAXW/@`KHE2L$;HU/B6P#-LPU535.@I=ER'BKHIU33,EKW(V)1UJ5>X
M0\.9W-#5#Y-TVSB7S(&N#0I6M#>@G#KL7Z^#UG[A59,T*XS.(Q68.YI0DVIY
MD`IWYB6V-:VC8OBK5D&_8+XV]"LDFK<EN]JJ=[(UATKT*UDRYLH_4:BJO!?S
M<,;D39U>CSE=2"]`?=<)?*3"^K4K;#;?HE*`J^?`V`L2/'?QZHG*:&`A_?*5
M8.R(.5AD/<::'"P;/014CH`E@R9<G@T6*/6VJ?$^BAN*(%9+L.-\FWOBVO0F
M+,55[KXAUJJ]*D"^H6VM1^M'+<*OUBAHN%;(/6VZ"G0ZC`L\!JH>)`)!8M+D
M#@9P=M+*I\.1IJ1((*>6J#Q$7H87PQK7(N8<,KQF^W.A\XJMTH@/\SQN@NGZ
ME5[-4;K#+A#)&?6!17\W0ZY5IS<$8M*;*B,UJ8AI:=_.NCQ5KS)#7+/X^A^>
M,,U6!=+G4.L>0%$"2+U.M,>*W9+J2"UKK([HMBL9^:!8"(-$-LQ=1/C8D$3:
MV1L:+\DEEK!76O?0K\'9?T_8C].O*KM<:YI;-4MHRNV>+U`0T\<HU-!VFLG3
M`*=7]/.6FO46TQH:4^_T=:--Q%-NRGXJ=!XBU>?]O\3?&^@IHO+YEBG#6))8
M@-K0GGMMW.9((^U1)-?+$&Z6*CP"E6:FBX1%!AS984P_%435KWI<4(TWB6O)
M\O.:('\4*062TN%VHR="#ES6FJS+K4VJB'R]E@F@EJ6%LDHZ.3&6TT+A0I)&
M:XG>V&5H]%;#*\21UWRHXI<2U*$4ZPF[4Y?3VJR&)`J->)@"&=W4[-=7!-AL
M6Z\V$KA6*!JDIR3#F/LS(>U,_.TUIYM2A*,V(P08`P!@#`&`,`8`P"I^ZD!X
MGD'02I2E&NBCQE=ED9-*KWUGW>P(A*;DZAQ/MR72.M(6UIUS<9M^1IIM7Q,O
M.>UI8JXGGDYT_P`'"3$AGHX"92Y+)NM4\*7"V;H!0!<`6J-""K*4Z\U]T8Q8
M:.FF./BS2V=^QT?MQ$I"E/[1@U27(EP(SXX=X8E5[AO#SG6X,`72QQZ60/V#
MG%+@4&XV30&=(@6`I-6Z3(UZ+Q^#.4.CQTOOQ/IOA=]SDA*!*-<<#FLP7P=Y
MM:IO,R0^^0;54'@K[SM?,==)E*V\<W9;V]T-NQ5XQ)F`'QC4">\2,;=CNQX[
M:6-[VSMIO8>)XDSJD/FM\YS9QG$>&V`K6(W0^;4%MK5T/\FGL5(;L1VNO]8J
MQ0PY".BAU2*=.=)"M#]_63M:1\2OC]K308IXO$K&;U;Q-IM1GTD3S"\18DZY
MRN6$@=81?ESAJZ)UDQ-<GU6R!5RG56^HD)D>WICCY316%"FLR=N(VRKXQ<>)
MD2*O">92^@W9FL6^QB(]KH]'LA0M)Z<W.8'=-[L*#P;92UG)2ICM:B=>'3CC
M3HAOU45B37F$^]_>W`\1C370_"'JK(0M<J]<DV*P<PYI$?A!VN@OE(U!C-F;
M_4#1F53WT[AM4:($G39!&1IB1#:=6AS:].)1@4D2::>\'TBZ\!EU&X[%OQJL
MU28^ZWU92+(_),=(D\P$5V1K>W2IB^NVJQS@+"UZ=)0G%/[]&D,;U!XN)3%B
M$<`M5=A=G`@+*,J0SH\_QXMW-H%AO=?'V&],3;5XZH=M]NA/E%SV:342\^#)
MC00TN9`G2'H:Y>MHF(W1C6A9I^Q^'][J].IY(5V'M;?)+$'YS!;',W0X3H9Z
M[]`!4"IG#Q0?.#AXTY),@TL3,^5V2T.ANK91M<?V:@\2,1<;'PZH';YQ0A4+
M_P`FKA3M]/.VBSUJTVI-DAJI\T%U-CIZQXN/]TI'-[O81S\79\=/^%R4J:MU
M;$IM]A%&/$J&?+\`+*3J$'D$JXL3+%<.<IL-5HP3H1XG:*C-ZH&&#*+(B$[/
M!#`Z$?L\]LP6CNL2V90Q#C^F-R41O8+XN9MS+L5<X;1_'$/>.%&JG$'=:M@N
MI`8-Q.=.W06QU)Z9L#8GR(`?/?LA^TB7=C`XMU+OP3"S*=/Z>CH5@SQKB1HE
M??'\!Q"Y2^?"^U3::<Z+6Z-T0X&M/;:1:1IJUSH%GNMUW<H4MF],62F"I^VR
M4T>M,EM^&T(6\TVQ\;`4=<2$7FS>%?/ZQ1^:5;A=UO(?AL&+SVD@*I7KWL!2
MFZILY(A@W[#+E_.0+>VH3%,[W]RES9.FOF5_WE+JA?%QJ9>AM?I]72SEN55*
MMEK&<Z(5$0C57E1NFD([4QQZ+US<&>@E,<BU9BJEJ.Q-F:4J,F%/0AKUVXYM
M&P\5*GSSKI_B12[U/`#*K9JP!;DV4#7[%:9E^EB+X,ZO&I)NWDU#+,PZ/G<_
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MSW++0F<4@#FHM?M%@C6,N"?<=9CL::()8=2VUK`\1-R!SP_/\:YITZY5NUU6
MOP>BB98P6X]T,7:*KTNPQ0)1$2?"ARX!\@RZJ&,D-Z2TZR^C4=U+?M6K6!XJ
MT1$+C>_"L=7*Y608@G<%5"MVDK60?YFZ"&A7`07M<<]9XQ(NER4W:EIZ&N*0
M;050N-%+(2]'6TJ.OV!XCXZMTOQ%N%MND8_0K/?95=II>DFT_=+S'I@ZT4MA
MX-4`)1F$\]5*_:#D7I3L0!974ZF-N35,MNMN:5I,P"S$@9WX(&:01ZW'=-DZ
M56[O+YW/)I-=!4/CG++70@2P2H@=PFVTX,NE<^VD"<B$Q_\`2+D=F6XE4QM2
MLI/%P.I:)OA;+JG/+M<>9]6B#NCA+N3B510+JD]^=68=[BDK)%Z35ZL5*AI%
M?FW@U#G1XQ/;\9UQ;+C2?C:5[!?%R)(+Z[X<T`-<N<5PYT"OP];4(N!ZK/\`
M4?N0J'28-9:%E)%]!R7B(2/,;LXV!#D-RFI$UZ3IE6MJ^3T$I)XF!L/D'Q'C
MMS#1:=7+&&"T4E3N>E"`8S88M?30^:1['S\DY<@[H$Q,=IW(X-E)2&M:<0N<
M2CPG%*<;2EYF%HVC,4\EX=U8=RN[56)TZR>U%CMM-UN1UR[$(LLO?IE81$M,
M&<0(I)%)_7#DN&!8*_5+^_3Y3\+>MN2)&4/,\"3\FOOBK;.FT\-SA737+`%J
M0JC4*7*C]A'T@'7!(Z!9GZT`EF'&*R/?+L<P2T8;WK3Y%X&[&E[<4E:'!&G3
M$K"3'\<N*6COEHH_CK*Y_5^N],#\I[%TSCI0S6;C;+;3:]:;@9/PZ=SZ(V8&
MB*RB>2W/)Q9$*80><F/NM.-:0_(%Q=$V1QN!^GP`"W6:2I)FNCJTJ'.(SHB^
MI/UT2W5+&&DQG:$8FN01[DBKR+7`)2XPQ&W64DU(TA[7O1H/$6OT`UXETN;T
M?F?1ZQ<FQ[UGLU_LQE#?1+5#GD[-R8%7"QZ:;!/3Y8/<JJ7>-7QT1:VMN2-(
MW&;^1'RI!5>*([*B>"+`RD5]RLV(@X,E'K'4VH^^D$2P,N+K<4\:M?YE9*.-
MBR84?1(\ELLN<G4:;&:<CO)><2I8>+B9DAU+PPZD7('-LWJ58;PH%.AV((+Z
MK72I=UBNT.R3C=1."5C=Q'.?UBHAY)N;!=9T-886AQ:E.OMN"4DCO5"Z>%8:
MD5SH%%#$U5:RB>CB0RQ`RZ.-1PE6:L4FX,RF)4E$($.TFWR&XSCZF4.+(,ML
MJ]VVTH!YN96C]]\(3%GYH&K57M!5ZT'$UZLSX<GJU;_,3:A%RZ5%%B&=?#(O
MU8EEZQ.=+1M>^#$6.W(EIVU!U[!4I$UY_?/#T,';KH:OWQI-FLE!-%1;X;K-
MBA$#82^KU!Z)]>3B[U/J\#ITO4`F<TAJ'(?2RW)3N/IO6@I(A"F_"6K-EJK<
M*5=>>QN?7T3S4,P^5Z4X),,5N^'1-!N%>>CS41K%&K)MV:+9D,(F3!+$QR`X
MI3#FM;#Q'S;>N>$SP<G+I\.R%+^.YB2M-4K08-?S)`G&?!"KE!A3:PS)<@%E
MAAE8%'9,&=K6HL)K2W-)W]0WJ"DO022["_"JH#.><]Z!6[H=E\GY.'XX`C"1
M72B;1`*2H`T3+J2I%2^`39+6/HEZ:)ROQ7)A12?UR5H6CWM4>+BCG+5;P/JU
M\_*$JEV=Z?<Q=1DN3X<+K9*AQ!5KD,,UUAT\Q+<KE=:(SK$PMQ'R,J2X2;4[
M[=+U[0\3Q*GCV#]/8>_6AK%4MAFGW'5M%F9EC+]8)UF"8$#[O;K)K[,0G$Q1
MVV:#48Y(,28/J[!K\)UQ]W4'V)4+XO26Z-,^'?9Z$B/NJ=2-T+D":)1Q\QS7
M2(;=M5UNYBAXFI:^QG&C5_0/Z"(@;G-D&W6($Z.U)TKXM;>V,^),J8E=_P!/
MFDC!MQ#B;7+_`&764&9=(S3W58E>"'8'4B4Z9-L%A>FD`!(^@B$('_HUJD.%
M(89MK2=H^!K8OB9?ESC^(/'^CA+79`-W&]!N12+V\0$C?M),325LE%RXP=Z4
M>+/F)B6!!SI91QN`N&TTT_.D[5I/MTE(GB>!`JI>O"JF#RY?FD+H`,S=`9X,
MPI^F]=LBMD.ML"HE;JLVI'-K8D$;5`I$:>##NI94L?#<<;VSJ0YMT7Q<R$L5
M[P6&\BL\ZI4FW6^!R3G%&O"E*?Z32!UP;H58B<Q8)Q#3>HHZ:7;BPD#+(W&:
M?>^IC[U(8=?3_/%K)LL.S='\'20RM)NE?)#Y=%I1RI1EB0'1V8SU/^TL<_LH
MO\SI%@I-NJS5BJ#5<9FSTH<^]P&&T?"XM.UB4D?=4ZWX<AK<OH]4A='T<+G9
M[D*316^U'J^7L?1#@TTQ%F!(+3-<CWOI:Z[$VN$['4\_`&MLK<W';TG84EP/
MGH$+PJ9LS-GN]1N5D=[%18=T5=?FZ7;)MFJ731A9K40Y&8F3306OU.OTF/(A
MI?;CL!MZ9U$TT_M>EAXJ%C2_*7Q!EAH/$7+(0L`QP14`\<,V(M<O<Q@F4`"Z
M_$F&E,,*U)<(36/G>??;;2MIY+SFEH6C!*2XFLI6U?I[J"*>@\PO.KA3:38#
MPGD[47IHVTS(K]=EGB`,B.#E"<53K%8AM&'UOK?1$'R6Y6MJ5I2$PU21;E\:
M\,JAT&Z1>B4VX#B33!\F9D0I?3K'4G&[.&IEQL]B>'5PA-#A"QZ>;%"D/J8:
MF378[##/^11Z)$6:F!)!]C\-*W^98P8-8$[Z]4CU=MP@9`NTV(3`#ZV5)6.8
M6E-2'1(A;%>&+8>*:E,Z4AAAI+^]_#ZTGB^@P9+H7@YUF6>F2A=J-D.F2ZP:
MD2X@/I\!RS31E+V5V7!2HNXD76N<TRR?6&'HRFV1S;FE.[4XG2="^)&,KPKQ
M:ME:XM_9_P"=%[J]:C-O&TR:ST*[T!^O@JB.BCNB%"MGGSYAMZ&0#/QH2X2&
M92C*9Z$N:2SM^0R&*XGW0.E^"_)K"\3HE<O40G:($Z/)VFF==L0V-4C$%NV,
M$7H9:.1'":=:0&G34)_;:&I4-,AQ/XI6C0C4N98=G\B_$.1`$N6*(8%Q8BK_
M`!0PU%%N%?EO,D>>39AF;!KP^!`)$X5SH\E_0R4W&=1+5KVM*2]I.!210EDM
M?Z=D<B-C6T*7%$:Q")-!A;3W6&C3(L4G=])";,'CNQ%CY$>Y%9Z/II.WVDRQ
MR]N.MMM^Q`JS%Q=:I_BU7KS6@%ZHEI0$[``/W(E81=AOZJG"L4,]7JP")6L<
M#)K$";`8F]>V/'&7E-*0I;432]M):^`1-TP(?%['X##.7C*2DV=#<W<MU+E2
MQ,F=T2*R6/\`V^;#CPK.^X040M`$0.Y^MPPAYR6(7N'ZN*>=TM."TE7O`*1X
M=RJUJV%^?7FN!`%SMW/Z]++M]-EV`I4C')*`>L]D,C75J-B>;1.>"QDG3LS6
MX\*`*CR6UH6[I*A/$8]07Q/FIM/D23/W`7R8J:35Y5/4-Z-3TP[ST4C0NB%.
MB$(LTZP2EO6P#"#R$R84*)IX$_MA[ZE'L:9%\7#F2(KVWP8=9U2B4.T[=G0.
MCQQ]<U5^H-&#H?JE5@O&YH."RT@H6%].K1)O8>2QI2'MZ5IA3+J%:T%)<3*<
ML)>&]?L%/@\_;Z(#D.743-J_ULGKK%=*]9F0$U@PSMDS-<$%.C,`>F[B6+3K
M:WDP$K3)WM`Q?THCS<ST7P9&`,`8`P!@#`&`,`KKK1JOU[G%N+6J!8R@&.+V
MR0&U!\A%M)!,Y]B!'A@)0HF%(Q2LF7*;0RZS,BK;7O2M.H]/=H5<3S]UU;PD
M"CAQ5?&+=6@O-B>U??F*G)%M4HB%U6A$V+*?$V;1>0P[;+G#K$UEA$N,2)R'
M67M/PDOR-#5)?23GE7:N$4".&:"<KOE-O1&Q6;AH'G<7ZHN=VW3+Z2D!*:M9
M*VR:K$6)@VE9!MO<[Z`3'=E1XLCZ=M"7!&F1:C]6\4NQ]1%DN<\@,V0UU>X2
MJ_?+B<#SQ@$:+)T#HDX(>^*88?@N-]''5.:U'T/B^Y[>G_N7TTM"6E"T:6)F
M>+^3G`^<\W)+&\QOG/"[T0/?;70!0,M:B+\JRU45NN3:ZY]V*.D`I:J!H;(A
ME"HR8H^*TRJ/#0UMIL1IE?RNL^$='<DGS')BFT"66!X<^*:?M8,R:L)^=&!A
M8)>5:E#"G3K?]O<=EE4J>CRXS"$OEWF=1O="TD7WR/H'C%=+",YW1^<E0+I9
M_1:`U8*ZFK1US..VJ#T:O?*/,%V+!%-0K#<U'AP]V&@AN([L@ZPB`]&??I'F
M6)2-:N'C%6;;;XI[QZ,![00Z:=X\-9KPIPR+*S)EHLW)JD"]S]NV)@V?H=;`
MD2LA33,:-H8WOZU_4AMO3L+CVX&&O%J\9:5TXUS4QP&-]2#Z="H"23G12H^(
M*YK)YI-ZJOK@!J=-C0JKNC7XB_5Q#$=^"Z$?GI<@3H4:0MC5&-*EH<][UXCL
MI9'UCG-LK<$F:>Z"T_-K#K<(AT&GUJ'<;)-<4V?(/2KM6AA>*HE-<1MN:^^C
M29,O:%J;"DC7`=UOQ9Y^;'QYW")5<J#*#+<@G2S%Q+F2%B`VCF9/G=;C#$6$
M/*(RP0J*@S!;5J6R%9&(BB]MR'51EPM'VE]=,ZEX]@>D6^RW;ED$X&.UH<3&
M7HQ+N)\ST<<%($QET!4"N3P\D''$40E'TS/%,SXBON1%M]Z$AF8B8_3*3:.L
M#OOB"V4!5<'Q_I;)\G+A<M`@6$E6)DNXT"X"KV]S)N4[T%`U-CX].FLFF9#T
MA(X6.TXV+G+0EV+H7Q=I^E?-#QUZC6::!ZSS*^2[D2KK=D71(M>V1G`Y]DJ$
M7[/*$EX!V#],FX"K4M`0C\T9<=:M*E*'2?BU@96N!:%%N/!;-S*F"JAR";`H
M=SZ-(KTZKV\>D7+@$QW#S'4X-H)0&YEA4:49J-;@)VI4C<AW<WY)&]OH=;4J
M2CKWE%<$O_C#>#B.6;XQ*`6%)BP](JT%MVQFX\H57XEICB;1<K7(.S";LZZ2
M=69^*D@WME3*4MRTHEJCH=%:9(Z3WWQ-ILJ/<HW)[;13*MM6:1-9&N/52*7C
MT"\PRYL)*D6*.#40<A5XN`2]J)#+V"6AM#$>4C2%M@T^%3I6*U>#-:GVJ$8Y
M"?V/;Z')K]FF*@S'@Y.Q@S4=R8'T"E7%!0_2PAZIBFW1K`Y\)$6]`TJ.AO>_
MC"DF8:5U3PB`"1AF9Q[IPW\KF8%-VM,4Z[9*Y;RC!18ZB2G8%_DF"9JMU6BN
M'!K$5R=&$Q8$98UQLC]''5!21/9-/\?*$?ZI`@^.0>52:K,J_!Y$<$:+F+Q<
M;C;Z'6I4*HT[GY#4:MBP,FG]+U]84>-0)$N;N0^XVI:4RG*3$EUF;X94XSM_
M!\]M_00O2/$WH-A)18]P/$9=YY;56>611=1E!+Y8&8DJ9-#]"=7"=E38>X"I
M)%2O5XA(<V&/^)":B#XC:1'=C]$\:#I63RBILE*.,FG#@^T=B*QMF;G#F!9>
MSYB0V9LURIS,%D]+4HS-TWIN3[HR&VUAC@5%^W[D%FX%P3J!_P`<0;THEU*^
M2+CSVO&.K;+\ANO%%S:WT85+9D<GJUE)V>C1*+M@N/."@H'WB5H<EK;1%??A
M:.KQ)/6K_P"",^!NW@N"6J*($4^P&2$S\IK@!050KC!"U78^\.7;6QDE%?A#
M8;TV="9E29;,X>S&<E)U\;%'B[3YJMC\*S=IJ4.J>.%[>+6NX0:\RHA`6,%1
M2%H9J$>Q(FQ"E]V/("N>Q#P1W;+#,B%%;<9>"?-\6UHF`>;FR66>\^,\4@/Y
M.=XO8?V*Q+'TVSC[7+)+@547T"G6&1STVV)U)NL.8`I)DF0+`FVE:A"UKTZT
MJ*D8]N0JA)\5Q.5GR'\2YU?%18_'NB$X`L%;ORD'W4D2YDQI3`?J'4JM6TR[
M9OUD4N!)CD2#*G6H2&8_P#7)&VDL8%)$4U<O#UKD]GZ1RWBC)JG*ZS7.=W"6
M:$DFPS59,66MFK-;0L*:;=U+JHF&%3+8&PO@>1.BH;5#:WM25A25:-DP'SO&
M-_F_="--\=#A$QP3GMR/6NIWD>TF?+L;K-LL!.A%39JUFDF+&7FU]4J>^Y)E
M1MM367-R5J<VE(8U6/$PQ'HWB)$!4]F]T*\NR0]-<79#T1V[R(U'$1+2+H1&
M2:/.WF199`D9TBK0M#/B>)RH9)J.0C>UY"Y:`H^1+>577QRDPNA?4</,\J(<
M>KEJNT\;-@-BS3%/HA6[5O4D3L=8G9I<ZP/3,5/^W*E1(JRB&7Y?SR--[$=:
MG5O'8_&=JW=%FM<=Z!;;O+)60*N+"#RFJ_T/H]3$R::;$BQDFUP0*K?"J,A2
M)A5^'%<<"H^+ZIU32(^@29AZ/</#3R$&NU5GCA0C%$BK]<CLR(&(P*V/^P#J
MN)ODL=9(IT:2EL&9:VPNXS:$RIK<9YN3&;ANZ6^+XD9(IY)^)]D9G6ZY<ROM
M9(FCE4$3Y1T+%!VO6Y!!(@18H2:_<W#7T5;/4.+&?D#=KF#WV8SNT):5I[`R
MR($+N'@</V'##>$6F(?O=?35PU);&H58]2TJ33Q%*BBT7YV/4K)91AA4^-+T
M["C2D_+*>G:G-.>P/%VGX.[CX/%A8`?4N(=&L;-?*C(P'\N5:8P3@3C#];K<
MC7WV;<Q4QI<FPKAUTPQ(EZ>E+4M$IIT8^J0\%)&<3WOPNL=4'\[#\SZ!;:E4
M_N0>NIC"B_T@2"_9*Q#7)#6@O;H1<)&A]$=%BHR6Y#,X9-98<:98'H9E;"DN
M))+":\/Z4)XU$,\'),&+/1JQ<N?5,2,"E+56I9>0J56:YO<2Y:?"6N62+341
M9R7TCU.LRD_7Z]-Z4"S/F5P;L/CUU61`)5&AGZ;0>1@*?U"+;XX]NOKM[@3I
M_P!1-YS%<80<-M5\%>9VU&D)::0_-1M#>GFTM26PHU\Y*6+CX1]`M39@SR"W
M0K3:C8JZ:FV,>4%RWS1B=7R`K8QF/<E_4(/1[H/.$!HMMV.RU)8DF&&)*F$[
M"DB.OW;P5>&I!Q^,7XDUTOZQ4$2-6247Z`9U>)].5.E-:Z.P7;LUO,FBD=1H
MQN&X7%MS&)$QR+K;*P\7:6E$ZEXB=$Z1STFOF-D)V'L#TT#1;3-KDG84U$J+
M-<`'+"P+;/N/C6`9A\=6YQ-0UJ8M<5MM:W!D74AL2DJ&,M_<_#21/MH.T\R*
MF!M<5/I5N,-UD>>JL412?R;#`H?GC+%-:)ASA.4*'C&HZ'Y"I36T2F8Z6G5)
M"C,*]8?#>H\VI".L<5?I@^V7?I<$+7[*-G6@J-+TKI9WGIHA8C'WTV[&.)CR
M]R";^ILEM$67(3J0\Q[U*A?$^!U1GDEXDMU&8S1*#9"KIY^/6QPVVI).PS1/
MC$-^[4:2=68LILWH8T3VN+'(JC/O,RHR8D_X=-1V\HI*N)R<BF^+=H!W:O2/
M%RP5VM@ZO)Z7#$'0J;S(M@6EU0(4("TQH-EM4HW:!,;IWP1!:?J&'X$]EEE2
MEZ<C1P=>TZ-T[IX;L6.HVB;SMT]*I]:YH,07T6A'-1J[-K]D/\T#`Y`2ZF:J
M?N`6Y,L"%?<Y3#D!PFMS4K<52W%`E(G+-M\,F:.6[FWRR?!'<S+U<"D?.%)`
MVCZF`+$'*P6BT`U9ADV1,"A)BW1;TV(V66/U*V.0]%D[W)#Q<"&<LL?B2QT#
MM,D""OCL$CQ^18BM2EU1B)2@?.>9EB,E;00:+EKFI,W&3$V88<EI:=),?%M2
MM2=.HV'B.4OU_P`+'3MB8L?$^@L6J]V&35[:/DU`D0L4*RGR1@I8PD.`%M!(
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M<FF]L,RXI*R:KRJ@!'R'YBYD03:/O`4]^3K(XQ\2X,94VNN[')<=AM_2($K(
MQUW[EXTJ.2I%SXKTZ-<S3,1IW2*]#AV9<P)5J1?2D6.5"7=K[66H5(77C$I]
MN4Q\+*F$Q'7IC+[#(J4N7`KB/;?!RM1K8\WP>P!:G$#"ZF5+/HB0]1X_WRZ<
M_>#0*I-OS5NKQ>"(K<X[*;9'Q3#P]S1%3:Y6];P/$R84^S>(5BB3X\+B%HK=
M5Y?0[/UF9;"\)8UX&'K@:AD'5M/CK?-N4Z3=J(6'2?9I+B2(O3T2?K2G'HJP
MH^TSQ_IGC/5JG4*07Y1U4<KFY.R'*]3H31-=SYY-IE,3=K)J-8A5]<?B08%.
M.[87$AEWXDB*[]O2VXUM+&"8UJ5^.[)X,`Y=AB(Y!:!D<(9M8ZX&)E2DSQ=:
M8`2(?-3JII%-D).)``S=G_*\<=`T^H?K^9'B-#=,/J%I(ZS`#Q;!U8SH/X_W
M:U]+Y>3YX/M--N;KOY_4OLENK5/!C3#T6W2JJ3GD0=@7+`CERM"X:$K0SN![
MGMI#%_,=HEV+PJF2SQ(+SX_'-$J\4>(V$4^6J0B9'Z%3K%92HRX6>L6UAT?*
M5*ILD:Z-EH47:,?S!\-YQW;B@I(XNQ6KQIJ/B*OKD;AUCZP*X_8=\.H'+K/+
MLJ;%*.=1Z]3^:C**6!!6K=8X]87;30>3#&2PDXG`'PH3L(7]0U#;W`JN5")[
MZ+XH5>!P/H>N1!"E6O?*^;]*KG5P_1;^5#UZ9=+Y'W*K0F39Q@NX/PSHZVV8
M_*^IACWK*H9(B%(7U3Z$)HHRPJ7?/$:S\JNLH5PB^1N5\O=I_5'5DHJENF"]
MXF6#GJTQ%*O,J>^#&!:MJ,541DM5=-<6C3CBA[+NFA*.ICKUW+PS;UOGQKFS
MI:C`KE)92S7V]SWB=\K%5IM)K\NHKJ]B=B62OS>3/D(TC29R77H(ER"N&^\^
MF.Z+21<WC=PCQ\.U\GT>OA3IN:<N=Q2^];]_82H9L;($51%)ET\$09B`Z_7X
MU)A.0`A1A,D4[ZN?30GG%,MB-O@76WXS\FA7:HW@+7FP4VHVQ^]L#!RE;#S[
MDJBV+G$.QOCYBI4>"5BU6V3F7'X28S\Y2F-RG'M1F-($S,O_``08`P!@#`&`
M,`8`P"E_(A-/<XKT%J_`B]GJ#X9N,:K8)T>R6/LR2$)B.&AO%9HX8RLE-<;9
M4I^0RTE"][4M.OQT*N)HHKR&\27X-)@S?&J3LI%66@UZE+K7+B!8(\=YP!+`
MTRF8UMD@8D#HE2C,18\F3+2PJ6-VV\I+D?WH&J2[2L`7=?%AZO\`P0?$&!8;
MN+@VFL%8=:JM7&``K-7[*:`OL3;66);EUS<R]4V;):(3$,.3Y\&-(;<4Q-'2
M'1:2[38GH'6O%[@W0$ZF\(6U8N:GK5#K9VO`Z2].'D9W.1=].3*K"<L3!,,$
MEQ[NR&;DR&A\-HD0>8:VEEQQQ8RDWS(92;CXJ'GNXL/>-@$(KQSKE@Z`2$PJ
MY4(A\0DF#E"+2(@36K`R*(6:6=J)B`S+&2E"8D2''^29'V^VG<*U(D%3[)XP
M7BRL<4%^,Q>/)3;H'-BL7\BT>+4ZM>!4<S]\"NV>`=^RZFTP)'D3&)(Q]]R6
MUMS8_;KB'-)I*/C4BDCH'*JSUR2+N_CD,A7:N=9L):$5J!<>'.5EV+>.25#F
M-ML1>PGJ]$LT/HXBYPR3LV'(5"%"HDD7*;VZS(86+BUQP.;7E9XS3K:,N[_C
M><($WR8L8!MHJH5:Q6>49EW;IEQ-SX@87-D&EP`:N>/V=DFVEQR=]P_[LG;F
MW/>&5]I-P';>%]IZ9#J,_@$,K8K]`%-J9L0/F<TLL`>&KL9BS&K(U;28J=7O
MRE##24CHKCYC;^]I^F5N.O;(--(B9SIOB\+;M',;5XQ#Y==JEKMM<(3!]<I,
MVEL($=!%5HH6+RIY6&9%#H=:"B3%A)2XB(#$:.MMR0]\.];#'C4CKOD9PLN[
M38,#QNA'AY<L0GVLZ-"T$.C8ZG5`G;;:<JL5^Z1;#$G5`U4Q>EZF)860BMJU
M"W)5I&MP4?:3VV=QY%-(<PZ;UC@U=8$=.YS=)-O/V&71;"6H0ZI=/H7/ZYHD
M0(&8@^55S)6]-+F+'H?>BI4RY*2AJ.O::*/@F0HEY'>'167%)&_&L^Y9KI,@
MPM0$\U!R[@6^W6BWGKC8Q@\;.<,$QM#M-&DND"41*I#A%MEE.E.H0E(4?:2T
M)V7A/Y9?Z58/'D8+8@W2;4JK`"C^?OF(W-*_Q>B=2<M%B=BVC=>D-":-`8D1
MQ4>3)(-IB18\>+]4A>DA1\$S,FNR\(,\7"W!W@*UTT9U((TJD$AU/A'(Y37#
M$WND6:N,"#TJO;+DZ%.$0&429\/<:-+<C25-I94C8E'7CB1B+Y7\`I1]\FUX
MX6T&6%![F.@RJ<!IA.=NI5NK5&U7;9QL`?;@"!PVVW5H4C<MY<7Y5NS4O-Q'
M7',%ROM,=;O(?QA$..C;=XIV+7V4[-J]9&HJ?,3S-HM(^XFZ:H`'$@;>46^I
M-A?+O1U3X[,?6T[>1O3[S*5!1]I"W.\^+HEXFP8\:ZT-YC2:[*N?.A;]6J2K
MO9I'WI(VT3HP#9YUT>0^42]*4*)--&7UC%27V6U,H7H*/MQ+L"=3\4KX=)2$
M<!-.6J/7R%S%MC>=BS-ELE:$7@G$JEC&-TL@6EQW+?>81AD2Y.5$=:=C36Y:
MXB'5)="DNT@]Q\C_`!JZ"4&V,APV#;7+VU$J)\R3ATHC*M4<&"%6%^H0I,.S
M^C5BI70;!61VY9G4*)&<?E[8D:1#>4D*/M,Q:NJ\_,\WY5(D>-H&W7-==8*1
M:9&72H@&EUCK77@O)K'6H,R?:A\"9)MTJ<XQMN"Y*$(DQFWI3C4?Z=3@4H^.
M!U`7DQXD"9-BA5#AT[4.["H!&\3P0"CLP)]4OX)]^X3+(\JS1_N3M??!N#C`
MUCZN:F8W[&VE^J]Z#+(_*)Y'>/(,50.1<H\=)%&C`45=,"N2Z/58M%YM6^S6
M,0T\\8(5(P7##)?0:K89TUQ:7'4/$G$QYR_GD;2HNP4;Q;)2:9#1_*P-XQ"N
M#\*M_-0G`K#W=IW3Y5B[4D@.)0.<T8.>C$:_+JN@W4WRUA@#O2;O:1P&>EYE
M;24M[$Y9L:U(S0>_<!^CY]7[MQD:-N$.QU>K')`6OB4C^=]F:-A8\>@RW+*<
M:NWWNE1J"/5,,I9=$O:#LZCRW=*CM;%:?(XB'D/XLD0%RNG]F<U81-H^T%K!
MM%3YV2(6TCT"YR*15_@KZ;3*(3Y]SN5<)[6M#&O8Z.W)E;2Y)CJ>"DN%3">6
M">4@.<T&H,^/RXO,;16>GW/H$:MU@8QT"J<THAGEX^Y%1LAD%:0M:F$:T59G
MSE$GH,]U`YH=IV.3>;^$%6M:XD[%>27`A5<?!.^.]MI]3)VB"2(1K=6:8.J@
MRU2VZ7(L1VS#9EG==K8L"_>PR5D)46/$)2B"/I5._+\J@H^W$QM$\HO'>NUD
M?4:YP4O##W8#$09A5JLT2*#L%266.4RS&YXB;;M&I8R#>4DAOVZ:TX6F)>^9
MIEYAU3F@:?:9BQ=G\2^>TNM=0(<0')_;@_:C-C"#:M2B%NB$:F;B/&H]Y$.D
MFVV)\#H8V%`G,K<VT.L"D-RMM/Z5ZA23=.PPE&Z5Q-BSFZKSGQN`508/Y7WL
M!T))Z+36-L&J(^`+VKE;<0$?/.$A9V78/JBY%N.^+([^'7U#S[6VT`T^;(_.
M[QX=`N>/`+SXW+`U1J";G#`;=-I!L;:M"2DW5DEUUL=8),]4IU7/2Y56IR(<
MZ0*`ORWD:_!"@I+M),*\G>-5*:W%J_C!:J_*L+,UJP@)PVBTBRLC[97-$52!
M-4/'AZ2M4MUCK#0IR7'7'&R9\1YY2UZ86M097VF`D^1'BO;R84'-\4+,;M<)
MH,=C@%T3G,]8"79Y$0I0=%C\:TOU0:S;9IWYD./3_IHD_P!FI.VW]L;V%&N>
M`25XIY%E)M%K_`A'.;==E[K56Z0?'<[VW/KP45S*]6J**E18]H;8Z/#I]KG+
M@#51)3R$#5R=/(B;4ZU!BL2=7BM.^.$"-+8Y7P.+RR!>*8"#3)3%LL%U50JA
M0]'C5E+1]#X\!5_CR><1UQ&V%+;EN1V7Y#^WT^N4E:]IW.?=8\>+';#%0%^/
MOY5,1MFFRZRXOG$H`/O-8@.6J15]-UJT6!2UNC^9QR2R4&*L2\_$CZ7(5-U\
M:8*.E:X%`T'RIXC8R//2ML\:JQ&ETKA'-92'P&P)HGSFSUX?=K5U"A#7;%^7
MXSM:XC60,>:.=9=44GJ*K9B0DJ4YI=-.+[>9/X'DSXCU8B:4_P".)^I[LM0#
MF.E$F>?4R:-`\K'"QECJMIOTVO'28Z#4&@$C<]U.UK<@+CJU(:2^IK3@E)-<
M2/=TZIQ2MV/5>(^,//#+=EY5P(S16;:U"$3);?0;IH-T2M&QL881B`9/+>34
MJ";2]'==7*8%O1-J;:CH6H$G3CS)6)[WXD23#5D&^/3##E,0\"%7'\O<WAB(
M17<FW77GX6ORE6)N9,<OKM>DS@TR'%=C[D3F$:=TN4G6PI+M,56O*?Q(&6&D
M'JAX\VZ"8L\^!-HQ*JTBLJ*R'M@M!;D\@$!L3IT2JH"@>F"#,B&TDC]&V[&U
M*^)#J8,LNTM#G#O.^NOO0N2^/?-*@Q./<^N76Q/7`(2.8/\`+^HU]%R8M-.%
MT^38H1F22DP6(T61*?0)^O'RV$J4Y"6E-(ZKF8RU=A\2JB&M7.;)PV+]KXC+
MO`R'1IM0I$E]EHA/;CF9H4*8+LKA,]*6;7/C/2-L_>(+^YCB_:XKT"DF0PQY
M`>'(VY+BF/'<V]9*N1Z(:OI!B@5H[#Y84@/_`!=6G68E!.31T6,$6[J44D15
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M.S6.B=!79Q]2^RPQ5@<C1T7.UH>'"HL[X"#!,BPEYAA#ZMZI*2X$3#=U\5=`
M:Z"Y=P"44AQY[K'+2K(FCBQA>SUT)")R2RYZ[=$L+(J%4K]&)/$7V]:(Q)SS
M3'SR=;94[RT?:0VO>4'BO3Y4G\V<"$U"CE*E2D!#HNO5:?#L+L^?TJB]$-EA
M2;$_+%AP`2"8D/2"4=HU(`QB+TA+B/C;4%&_G.A8_(;QIU*CCK#XL:L%;NC]
M[KMF%#J579UA/=#K5OJYT?2(=+19I,V:5'`>B29)*8\QJ+(?6J!$>7I>X^X*
M/M-ANC]@X75.PW&,?X!,O5P$B0D"0;K5'K)&PH&:JM5/5L`]$,'(9PR<,%+!
M'@Q&H$1:VTM(1(VAIE"LI$G3B5W&\H^.M7N-=6_'L'(@R!!:A_G0)-Y\8)+Y
M>(YZ;NKAN),CF$P2M9GC:ND8D2C7U6TMI6I:HZ&V\?,6CX5/B-V'QKJ5L(Q`
M?C.)1"BN6F@UF6.&\[?*W/5)&`V##0Z03LL`;50H@"<(L*22>;40AQ8[#*OY
MK,;04EVF"L/=/#V=79!&+XZCI)(I..DJFFSUFH/[.M3IAX:&OQB)!/D#K-/,
MW41]JD?5H;F0H\IIIUAIJ2VRL*.O$LWHW>^)<?N,F+-XF%<$A>:6(9;2PT93
MVI9V1.J7&B3_`#"K5Z09CEK*Q)H186[(:D0MPGHX]N,RXIQAQ&A*-GQR+HGB
MH;MT8''X-7:0:/U/IK*S$R)2B\2/1.7F+9S^,S:"\0C)>`MVRC@Y4R/&F:3O
M[=[V75*TS[L!I]ICQ7;N2WRI]QN%&\>J^P_610.ROD.@1:]L+8KG>^FFZT3C
MSPPMTH18'_?^7P#4B6TC31?>V7M?Y=&U[%H\*LA/->L^/*R70..N\!*G3MRM
M`'FUN#AH-=(\:FF>8/R0E>KE3N-C<JD-NN"Z]7'K2(^N_P"^+6\^Q$<>EL-Q
MT@T^-3\#=Q\1#C(,R$\13S(2TM5PN@T4H7/@(5(I<"TZIIV8$*6N"0.!454%
M/(M;A0IB&G][0G6Y^UZ3!27:<]9\AO&VV54ER(]XKE2Y;IU=Y^5[%0Q53I%B
MI)`YTM04E0M6&QR;3(K4J*?=.)D#YLJ9[Q>V6(SBF)26&=44:Q3+0Z_<:[S0
MY9>71^`\D-TWFO.N'6;G8PN&<K82!6J]UVI5I`0.UNNF`Q!?-9<]!06T-;89
M&S$0V'=M;EZ?:$7;4E/D)KG'!ZN)AUSDW.[+7+17K'7+C0/DF#;$=YWS@+:+
M^M(MR*S+@HJU%E/S7YNYR-QF4S41&=I?E,-.`JOYRGA4RN,!+'!%>./"V#(R
MF]DO+TJE"31R,8Z+POK=9J,]FHU\,#&FU@RT1^-)@*C34R43$JA[:TTVIUT7
MTLWWX:FHR.6TZQ4RN`*L-O007T*:*KC[,Z"DU>!L.RE'W"K3$99F0Z\1UZRW
M$)6\WI&_:E/M2D9?$MG!!@#`&`,`8`P!@#`&`4[Y#WJ+R[@G:>GS!(,ZSS3E
M=^Z'H-9G'6:\2?I%7*6B)#-2(X\M(B#7I8I&G7FHLAUE'JM#:U)TG8JQ=#S+
MJ'DU,OGA9SWRHC^/W'7^T[Z)?.>2P4+F\`ZJN/44_>ZL71!'IMT24&GN@.>Q
M]$&H5E+1AK.W/@?*IC-,OC=/%2KH3$QY9<DGQ3IJ)XKTXC,=(7ZCB;/:T4X)
M5KW)KZX`JQ`1MD?JI0FN.<A#"$KTEQ&Q[X@6AQ3ZG7$Q6Q,KIQP.2U^:O)#E
MG>F2?'&M]'9#&[$&`V)M=;-GS%E==YT*AOUB&6JB2"1EFHUEB_--4XS[7XT:
M"K3D=UJ4F#+WXF9*>0E'N?-NOV4EQ"H2J,4M07EA@7`.UP7=U\S[%6X9&\R[
M',!QY[D&[DD^W3]8<<CRG)S;+#[^W/8YJBE&2Q?D;R>BT&O=0`^.U=8G0_S7
M67TTS\A/,5R%S:9`!"60%KKXYUL[6MEKQ&894.;VV.9E35J;UMAUM84=:5(=
M&\L>6M'5S)'BB.KLB;9A\L6=-KYF)(*ZA>I!<7J=:%)C/2:JX\9Y],;+G7W'
M5L184>0O3ONTVT&5]I]4CR;\=;+9^74:H>+$=L@<L]<':;@4F@LP:!+G3!]L
M%EH[XV(]$=<A"KJ-M3+D936MC";DQIS;Z?B="CIQ(5&Z#SSQJM5NY60YYSJV
M$7.W6<ESV=#IJW[,#.C:*/O]=M=IW8+!+&SR4B:<F"XLH4^`U!7&6\W&5]0_
MML,98\B4%/.3QNL"Y48GPA@JI-V#1#4.P@:>[+D2#1J./7:(+#D0BP4EPK>.
M)QW]R78B_J0<A7R[7MA+@97VF?'6_G0AP?W89P6/KHW4K""Y#-HA(A49D2)'
M<K$-=7%"+`PY#KH(9*&VV*X2D*BSW4M;D1&T*1I&U!CPK@<,GRY\<'P\B?8^
M&UN(0I,`K8:E5BT+G;EA2S>H]$)3Y->8EM-C8,KHCW0GGU:@29#DUF#)<F_"
M][V$!E9BHGDMP`,8/"8'BQ4=,\W(B)=LGU$1S^2Q7XU9/0@4*77XR@0:98+%
M4^AGIL./&A(TVTME^1'E;4Y\:@H^TG=-[ARRP!.F5H1XMU]\3QZK#>T_:*G$
MYT?HY7H$NN@+K!CU@K#@0JW)MK@FUPEL%XVG5N2FIS:5:5&:5*$H^TKVP^=G
M)F%N0JERNN7:H#WZP\B+6QL8F,MABU#8M,J;P9^0`&;$;`D1<D3+DO#I.DP8
M[+;:D[VJ.T+E9M;QXUQKN3%J.?L>I0&Y4^U%P):K6(#3IEZ#J^T,M#YQY,6#
M)CC7;+6S"=M_3RIL?<*1\2I"E_,RT,NJ-/?"OR1LGF%R_P`GG>J^-/)JK?\`
MCEF76W*R2$LIH\^S'N=`NJR*/:#9V.7BD)]+M)_4(R=AK<&$]^PI&::0\EO0
MU)96J/`PC'EUPE0D[#/^,E/MA541XGTNQ_D7GE#HQ;I`<&1N=U$$9%C+6\1)
M(PH%4D,"Y^C1B,=+CE-,2DL_!*<"C[3.Q/-#E`4_<;!#\=K+'D&N>U\00<)E
MJ@'I"J@.KEQZY#J7UI#<:IC)9VH62=/8AH6]LJ8D/PGMM?`E]897VG"GS`X+
M&*%!E<\6*M801"5%YTR[3A%2FE+C&A"52`HT=6=U.#()557+R[NXB7U-LHE2
MDC4HU'DZF;E1E?:99[R2`S:!6>E!^'<NC5"@]\`T2L0DPJ62,T+CTCQ]KG=Y
M\P$N*YL-6KA+?;9CR1["XNA:-:TM+KL5+JPIC2N)C[?Y>\6K@CHY/G_CI1$G
M)$3I(JJVLBGE@RJ7(OR"I-&3DFQ%8LB.ZD`-"DH21J77MN%5.JBL?#K6G=AE
M?-X%[]I[+Q[EW3!E"*\`KMP+$`]'!CR4*#SE$Y<CII,L(&5](0K[3[581`YR
MM<V9IK<-+D>%%0AYY24M4B3:J5;"\\.>S+M47`_)1(15K-\_I74;).+4!TBY
M2;91KU<.5P1I$<5;=LPT(B9]45TI3T*M_//B;2IYU3VA<K,%+\F.!N"V"->\
M5.;FN8[JEL`3B;B^51ID.LUK=0MYD:JEP@Y=]WG[4^V[,.ZTOU?APW2<:'*T
MIGY7>*/MQ+&Z[W;@W/;27K5GX)5;O4*C5/K/O(FI<_>BU^HV(?33,<9`A&IF
MEF(5IM1Z$IQ,9F'$CML_4R/=IE*UB)/M']KNB5YPW5K?RZJZL3UKCTBN5JOD
MZ0X#EQ.MQ#I2;"FV&=+CC90,A9*DZNQ$VV$C_9(8?>0O:%X&7GR,#R7R1Y)T
M?D9D[/\`'2N:8Y>WR2)&;16J4.YW.Z!>I]:JT0?4C1)#P$(,K-@V.ULFEYUA
M`EJ/,;7M"6T:%::=*G39\S?&&$(@'&>+5^"3N#M8?/@XXWG;IUZ!/DZ!*(2]
M!OKV37V,0.;>;6\ZW&>'MH^%_P!ND:W!E?:<#OEAP9]53JCOC&#GNUBKC+B%
M`L0N:2H7/`-FHY3I-S9AKDQXX@6?%5**P]*A"7)&ITB:VTIU.]*7JC*^TZ@G
MS7Y6V<26D^*13?02J!E&)%Z37JU:/JY5M9E7X[2DW5D,*?)-2JZ\HDF,YI#)
M`MJ3&=2RME4A897VX%]F>F5:U^-%[Z]SRC<Q$VZB"KO*74;Y5X%E15B=:DW"
MOFZ[;!0&=7Y0\J1%3C$-_4>7MA&R4I*')<=QS;XE,:/@44,\@^>TH['HEF\4
M0I^_Q[S=AX1WE%"I&AQRL<GNU^Y77K>*@29LQ^LDQFP2XC4"?.;5$@.R'VY"
M6M*8V+2N-<";U#RDXC>`_0>@@."P)FN2!J9N%:UB*>+#3K#<M54;.JH>Z6&"
M$8!_8)SHUB5(?VPW\$+3BT-ZCMM[A,K6!&6?,CB%<DHZ.UXZ1@DV,S-AHM4!
M'+&+4\TR+JM:=0"?B36R9@7]]E113[L=_P"*,'A))/>P?IG:J7*WA4E%<\X*
M]:&*[5;?SX(4Z67Z1>:B,K\>VT:34X$ZL'`\."27;)Y67"3`56K>B,@FRUM!
M$I'>BQF]+DLM;$<?H,5RWLW#@E9Z9UJ/P:F\SNE2YGRAIRNC9M<E-E:QT-Z4
MBK5VE$P%>U$A50M="CXM2&([:I9QJ0A^(E;;:W16GPK4SO,?(GB/9[M3:1%\
M<4QQ-C&R>@C+*7JE))`P<*LKL"`%H*:@M3XPB1HW3"<5ASY?JH;Z8:M)]LO2
MF1&FN92UF\L?'^]A;#,L_&8'[.GZ\2I+UD"PP,`U";-@[FS,"P+/\,*>R#[%
M2JR#%#FD-#VG$/O,2I+;28NW14G7O+_Z#Y3<^!TRG]$+\*=MLRP1[<-?C0$4
M^PRQ!VB]1"</;"0B<=$]X^,*W&[N-P)T)M<;[:IUY6F]O)96(D^!15`\H^<.
MC^K4\_XGCF8X&]GQTH$'I%$#53<:7<I`,*&L:B*D!WK2FEGESR&UJ6MZ;]TA
MMM:^)*GX5Q[R-P.U\1CW:QF*[XTLCKT:.\@JRY'0D4AOGE=&U(U6:ZX.IJ%;
M'C)MBHDFW-;'016Y,R4PZB1%<U':TRD6C-LZ5Y#TP1VZP\NB\<!4TO/Z.GG$
MRS5@M3OJSD(+7R#?/RQ0-$B!['.;^AKD^,Y%;;F)`0T15K<^"3KXJ9:=*D)H
MW=_'KK=]*!Q7C]4RIQHCU4V!LS]=I,QN^VT/6:P>DHIQ*4*;GS[7>J*>BRY+
MTK4/WQ$:]KTQE"W&PHUS*WN'EEXZ]-9=K@3C:+*YT:K7(J!LPMJJ""[T"UQX
M5=O16085N#/!R+/0YD26XN--40*"W&VUZ:VIC:A5%D2(>8/(G"NJ_6N*4(Z,
MJ$>\7B(6.0J^13!Z4:,\_%5:\4P<;F[*OQG+C<)L0S%&*=E#XT;3C$I33/QJ
MA<KXLM$5WKQG8XE;NN*\9ZN$`UBXHH0T7.YY40/Y[T'FNVJ;)JK*@CK:_M1`
M00)?2/:2AB7!VZM]"M*>;I*2K0X4^5/#5C["%D^+L%FH$)A7I=QCK'\H=%3X
MZ"%=C5.^&`:)"F3-GM!TK&VKY$N2QR&-OON^J4)V%'VXG[:_-;G%<-VR)$Y;
M6C'-0)`Y/-'Q,2LE)LV;RZ[4J,A@-6X)%;%NEOFK&\1@$D/L;$R&FU;C/.>Y
MS0*+9>7`.D\>ZQ82L!KB(#E=T"TVEHAB;+7JI`M)BHS4'=04U]J$.1)DT,//
M#RV8.]K;4K;;JU0XR-MJ=$::-D$\DY2E112>9<]2HY(?F&E)I=;THQ+E"YH.
M3**;T-]2$B2%)2(;BW?>I<60XUO>VUJ3L2K/PCR+DY>;-)%N8<\)D245$(C/
M(4JMS9L^&V738&XDV5)&N/RHR#Z$SM-K4I.IFM/:U\FO=@59F"M#HYU9%PW3
M*H8<+M(8+.%:Z((+)LMLL1VV2"Y<-Y4UI#$5I"4N>[6D-IUK\$Z]!##[Y'RC
M;#D;?,>>[CN[B;=C[I=;VRYL>)^P0-N-?;?8OZ(%_P!R9]=;^.)_D4^C?\W`
MJSK?L5XY]O6(_9-S/[2X.@B'!?Y#JWVY8D7*9G#!:X7VKZ90X=-CMO,,[3\;
M+J$K1K2DZWH6K,C/Y;S(K(@RRG.:(2EC'W90V5/J%?F2!\E]V4^_(@O2![CD
M1]Y^:\M:V]I4I;R][WZK5ZB59PG^2\JMDV02M/,^?64C+%1P4N>?IE<,S902
M)*:G1`\B41&R7WA46:PAYN.I6V4.H2O2=*UK>"U9V(/+^:"S+MC&<[HPZPO1
MR,-X]!J0"(9=B%WER2T5TI''MSG(Y20XIR0C:]I?6K:EZ5O>]X)5G4A\AY./
M$3J_`YASR"!)AW:\2"0Z76XP@B`?G3"CX2<,9&HA2Q#Q,C(D*C.(4RI]]QS:
M?<M6]BU9]O\`)>52DH1*YGSZ0AL6$!MH?IE<=2@+69S9.MAT)<&JTD77R3*)
M$&/K_)1'T:<:2A6M;P*L[<'FO.1D;Z,;0*4/B?-(D?2PJJ"BQ_J)3T^1*?\`
MA8@-M_-(?*REK5Z>JU27=[]=N+]0JSJ"N2\J!*%K"<RY\&6#1+;"J%4RN#U!
MT$",<Q/0+5$&L['HFEHC4I[37LTY(;0XKU6G2M"59E?R%1=DSQO=+J>S-J0-
M;M!?==#[)V-L+M&PZ#T_Z/ZHP@3MI.XVI"W-,;3KV>WTU@&'8Y'RYA-;]>?U
M"6[3G3K]4F%`(XP2KKUHG;)V1X,4*L3"0]T^0W\TQ33J525ZUMS:O37H%3G=
MY7S!^MLTU[G%">J$86L)'JCM/KSE;CA72$0LX(9!K';%M"W"H]B2J.EK36Y#
M#;FT^]"=Z%JR6CA(H.RY'$#!XIAY[<EY@="C0679&VFF-ON-QFVD+>VRPA'N
MWK:O:A.O7TUK!#(8`P!@#`&`,`8`P!@#`.)]AF2R]&DLM2(\AIQA]A]M#K+[
M+J-MNLO-.:4AQIQ"MZ4G>MZWK?IO`,0'K-;KH8=7:_7@8*OAV],B`0<3`&!A
M;6ODWIH<,A1V(4%O7S+_`)K2$Z_G[_Q[P#J[I5-4^_*54JSN5*1-;E2=@16W
MY+9*'''$4/O;B?(\B>/ALL/Z5O>G66D(5ZI2G6@JSY71Z4ZPY%<J%7<C/.RW
MW8ZZ^)6PZ^0E1)T]YQI43;:W9LT>P\\K>M[<=8;6KU4A.]!5G?;KE>::F,-`
M@S3)`FDU/9;%P4-3C"934Y):8VEC2))-,UA#VGUZ4[IU"5^[W:UO`/QNMUUD
M7H&R!"M!$Q)<!(=L7!0+3!(:7J?"T/2QJ)J)-TXKYF_9['/=OW:WZ[P`NMUU
MV$X,<`!7!KL14!T>L5!7"<@KCOQ5PG(BF-L+B+BR7&]M[3M&VW%)]/16];`^
MG*[7W=P]N@@[NQTV*2'[<&0E[@$8,3[?"GP]J8W]+-AP/\@TZCVK;9_F)WI/
MX8!]20`*9,CD9843*(1-RMQ9TD=#?F1MS6F&9NX\IUE3[.Y;,5I#OM5KY$MI
MTKUTG7H!QR:U79GP[E@`LK<:6T0C[DBH+_T\^/N6IB:S\K"OBELJGO[0XGT6
MG;[GIO7O5Z@=[[?`]J$_0P_:TZE]M/TS/M;?0E"$/(U[/1#J$-IUI6OQUI.M
M?X,`P_Y-J'RZ>_*M;^9,]XJEW[&,^5)23#;'2"6G/I??J>^/90PM[U^13*=(
MWO:=:U@'>C``4.1,EQ`HF+*(2_KY\F,.AL2)T[6V%?6S'FF4N29?K%:W\B]J
M7ZMI_'^;KT`QS-)ID:/+B1ZC6(\6>,V%G1F0(IJ/-#;=E2-B9;*(B6Y(S;\Y
M]?P+TIKWO+W[?5:M["IR*I]26R2CKJU<7',MH:,,*"#%,EFFX[,-MHDUN+M$
MYMN)';:TEW2]:;0E.OYJ=:T!WAH((&V_L0'%"MRG77Y.QH^)!W(>?>7(?>?W
M%9:^5UZ0ZIQ:E>NU+5M6_P`=[W@&/K]+IU2#/5VJU.M5FOR9!&9(!5\$+#!G
MY9AYV26E/#!T6-"=D%)#RW)*U(VI]:U*7M6][W@$2NG%>77^NJJ=FIPM^OKA
M#!3PX9]17D208>0N3`K<IZOOC)$FLLO.JWL<M>X2O=OU:WO!:M')>^-<SZ2'
M?`V^IP)XN8V*BSV(:Y01TD,"RGIH\$2F`WQTPA7F9,AQ>X#KBXBE+WO;>][]
M<"K1(E4*BK;VRNEU-;2I;\]32JX'4VJ=*(PR\J9M&X>T[ER2PZ/*<<]/>N0P
MVYO>UH2K0E3(,5BM18<H=&KP../FRY\^;!8$P&H<N<5;>:*3949N.EF1+)-2
M7$R'%IVMY+BM+WO2M^H'171:0Z-:#.4ZJN!V/@^`2NO"%C6?I5PW(WQ050]Q
M6_IW!T=2/1&O9MAO>O3:$^@'SJB4[\V3;TJN"7;@0$B`4FPR(C<DE]G!3Y94
M4.COOZ<W#C124YR1[6?C][WM6KW*;1M(5.%7.N?+:0PJB4U3+40U`:956`FV
MFX-D?=DV*&AO<':$1#\EY;DUO6O9*6M2G=*WO>\"K..3S3G,U"FYE`I,MM;8
MYI:)-5!/H4T'A+&B6E)=@+TIL6.<4Q&3O\&&5;0CVIWO6!4DCP8/(><D/BAK
M\AU*4.OO08KCSB$:;TA+CJVE+6E&F4>FM[]->W7^+6`1[7.>>ICQH>J)3-1(
M0F8`AQ=5<)J/$!$6T-$`L9C4'XF!,YIM*7HR=:9=2G6E)WK6!5G6,\RHQH!9
M:TY78`P;;A$0%8%UUK5;($!0Z)J`.A.E`?T)#X!T#7P1TZ<]K+&]MIUI&]IV
M%3K!>0\MKXH4%$\]I\<<$AUN"-;<`#9C[#%.&(#593DZ='DSY<H"*;TQ%?>=
M<?:;]=:7^._46K)$W3ZBU-E$FJM7&R,Z/&AS9[808B;,B0H:QT.+*E)BZ?D1
MX@]Q3#2%JVEME6T)UI.]ZP0Z3O/*`\N0X]1J>ZN7]+N4MVLA7%R=PC#UAA?4
M*5"WM[Z0_)<G->[U^.8XIY/HXK:MBU9DQ]6K(B$\-%5T$,'2&=QWX`\0/A0G
MV%/2I*F'HL:.TPXRJ1.?<VE2=IVMY:O3U6K>Q#B)5"IF--)+U>NE4L2G)S*2
M04;.TS-=212[,:U)C.Z;E.I+R]*<UZ+5J4]Z[_RB_<!'S7)N9V`$6K)6B5=X
M">@`11L8P'A0(Y836'V)%?$$-0&HRY8@2J.E+,5>U1T->K?L^-2D[%J^)GET
MVH.?;ODJM;<^SL2XPGW@QBOM<8@-;#3XX[W1=_1,30[28CR&O:ER,G32M;1K
M2<$,>GF_.T,;BIH5+3&4-@!E1TU8'IA0<7.03&"MLZ@Z;V-'$FTR&&/3XF7]
M:<0G2M>N!5G.W0:*S#-CV:74FH%E]OYC@MUP.B&?]FW-H^]QDP],E?9MU7I\
MZ7/3W;_Q[P*LR#-7K,>6,(,5T$Q/",3HH::R('MRQ$8GMK9*.,DHCI>@,$-L
M(^=#2D)=]B?=K?IK`,:QSZA140VXM(J$9`Y^=)'H8K09E$"24:EL$Y$-+<).
MHKY%B>^A]:/:IY#SFE[WI:O4*L[CE.J+P1NLNU:N.UMD9]E:K[@,8L(T']8Z
MOM+8I47<!`SW16M_!IO37JVC^;_-UZ`?6JC5-3%D=5BO:(.Q6X+D_04;J8Y"
M9F/D&8:Y7TWSKBM3Y3KZ6]J]B7G%+UKW*WO859UWJ-29$Q1&13JL^060%EES
MGJ\)=F+*@XBX`4DJ2N(IY1`/!<4Q%>VKY([*MH;VE._3`J=S56K.C"+%JN@M
M6!MV4\@YH0/T80].APATUU!/4?ZU+LP>-CL.JTOU<9CMH5ZI0G6@.L,I5-"D
M-E@]2K(DKO[CK9,8!%0"&]%Y34TMK<R+$:D[^Z36$/2/YW^7=0E:_<K6MX!]
M-TVH,S$D6JI6VB"![`E$YL&+1,2+BJ=7&&IE)BZ?2/CK?7MMG2OC1M:MZUKU
MW@59U$<^H3<O4]ND5!N<F?+*IFHK09,O12?$W`G$M2$PM/:GS8.]LNO>OR.-
M;]BM[3^&`=AZDTR1#(CWZC6'X!@LD^7@O`!3D,J=0N.Z@T1C+B*9G%DN1&E:
MDNI4]I32-^[U3KT`[WY<KV]+3L$&]KK.HSB?M<'T<CZVA6F%Z^#T6SI3:=^W
M?\WU3K\/PP#'Q*-2H#(Z/!I]6A,"&WFA+$2OB8S(MJ0TTP^V.;9B(1";?98;
M0O36DZ4E"=;]=:U@59^AJ/2ZXXAVO5"K@76VXK+;@8`)%N-M08;H^$TA<&(P
MI+<.`^MAI.M^C;*U(3Z)WO6!5DHP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@'6ES(@^,],GRHT*''3[WY4M]J-&91ZZ3[WGWE(:;3[MZUZ
M[WK7KO`.QK>E:TI.];UO6MZWK?KK>M_CK>MZ_#>MZP#]P!@#`.'<AA/S>Y]E
M/TR?=(]7$:^G3[/D]SWJK_))^/\`G>JO3^;^/\F`<VM^OXZ_'6_QUO7^'`.G
M-(CQK27B,Z'`96I2$.S9+,5I2T,/25H2X^MM"E(C1W'-ZUOUTA"E?R)WO0'$
M.+B3"9BQ)0<40/(S1$]8Z;&FI@EASNV"`N8J,Z[J,1@/Z]CS"_:ZTO\`!2=;
MP`P8$29;H^,4'2)["GD/PF)T9V6RN/\`%]0AV,VZIYM3'SH]^MIUM/O3Z^GK
MK`,C@'"])CQOA^HD,,?4/HC,?,ZVU\\AWW?''9]ZD_(^Y[=^U"?56_3?IK`"
M9#"GW8J7V52F6F7WHR7$;?:8DK?;CO.LZ5\C;4A<5U*%;UK2]MJUKU]N_0#@
M@$AQ1I<@9/A$6&WW8KCT"4Q,:;DL*]K\=;D=QQ"'V5?@M&]^Y._Y=8!W<`8!
MP[D1TR$1-OLZE.,NR&XVW4:D.1V%LM//H9VKY%LLN2&TJ5K7M2I:=;WZ[UZ@
M<V`8Y!@0XTAY!0<MEV=L8VZB=&4TX2TZIC8Y#FG=I7.T^C:/AUOY/=K>O3UU
M@'+)(CX6D;F3X<33DMB`WN3*88TY.D^W<:&C;JT>^7(TM/L;U_/7ZZ]-;]<`
M[2EH3M"5+2E3BMI;2I6M;6K25+VE&M[]5*TA&]^FO\&M[_P8!]8`P#'_`'85
M\<5[[F/^*=)^C@N_6QOCF3/>XW])%7\GMD2?D:4GXT;VKW)WKT]=;P#(8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`-1O.F@=1ZEXP=+H'&>8<5ZWT>TQ18
MNN5?R#3#E<L@/OEX7U%Q-AR-:M8ZR$:1%TLH,&R(J(\TE%8;=>8;VIU(U%I2
MJZT+#\7^;/\`&_''A?(Y(TF(>YARBB<_4.-VYN^F(J:A7!X!M)6YLB@<>R$5
MM0-*>EM0HC+KBM[;9;1[4:$;JZE[8(,`8!Y9^0GAQU_I-P\HY5.)5>'3O*BL
MCZ#T.#/L)8=.FU.C<?A,45R(W#%R&8L\KT5HD`+IVYK2ZR;7(TI;T5IC8VI)
M4[4?3O"O-BT6>_O&>B3*95I;A>75@],ZU<!T9!\;3^VA*?-&R=R"Q8?6)!4W
M2Y\\>E8V"[/'2/<-^G;]LT*Q7`S%LXUY@WC;PHL3!M_E&1T$C5K1,NZ931VP
M6QSM.JV8@@VJTXH`U4ZS>PX?6I'N5I,=]#;>V66G7X2J7`R?'?'#O_,.Q4Q:
M;_88O%!$CH9^57(%Q(V:)--V[H_<K07C75%L-)FF$V4?>*S)C2VXL^6/F!W&
M6W8C*GE3J5M-=YU`WB;V:M?2,5^]N!85L[+UF[]*U6RPBEEVJI=_)ZI]"'BP
M-MIE,`7,E+F<ECF(DE\B1DD(\F;N,Q,0UM#C057^!A17#O-@I=JX.MG2"(WG
MPNOU"LV8G6^MVZ,9MH8->N2&Y!!4K3^Y@^\RJT#M`TB0@1!#\J),8]9DF1(>
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MVGK=>"`2`6<Q.,V&_F1K@^P(C+17M14*CM1TQ=0IPM8DV(\4\R%52^RQ%KLK
M,X[#"U[G5/+=UN1`WSFIS;QT$[89,NSC2X!NW=&A1'*XTP4(DYOTXKZB&ER7
M]/O1`*Q.K`\?/*D"_/FH,'RS)&SJM/1X0KN)X2>Z.@]7>%?>0M!M$AIJ=RU`
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M-T$9$X%%K5AH`@VS9GR-DNL\\TQU%A!J$=BL56(>Y2/>J\65.AG5:8L,]S;3
M:D)6X(FDJ=I7K?CCY1QP@F"WVF\R)D#G3IE^5*[%;%R)W>]TAN"S.F2OH/DD
M<^3<8[<K[-^`;V^[U@J0XZTL*KL(_?N<^?1L8>"5HU#&*9=CB@5IUU4I%+/$
M1=H[=81-VA01*0D6$`FPK-4QY.$3V36N(.<;^VR=,-+=%64S?7/$#H/1.9\B
MJC$JL,D.;D^PV4B/=4)D#K!*LQJ:8KM7:(EZJ8GUB/8XKZH4DZ'T//`5/?4C
MY.G&_1R!2294A3DGG='/QA4VZ]*L9"S%^QS$SZ_U"34*'5S6V-:YG?7B,1XR
M0=JP^4=B[=J#K(Z`ZD4[\(V3Z2/K:*Q+3`^/WED?/Z@]`Z;:852W,+[O#POL
MEICJZ'8G0':(XZUU.("CPB7,Z"J=9ZQI=8ARHK*7!OJIMQ,53Y(*QY&[7!JT
M>IG%.3T^TQYT6RU7GM2KAYDE995QG?=P@2$-(.R+3.?DS#RGY493FI+J]N.)
M5K:O3?KK0R^);."#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
9`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>26
<FILENAME>g655598gr5.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr5.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`-L``0`"`@,``P$`````
M```````&!P4(`P0)`0(*"P$!`0`!!0$!``````````````$"`P0%!@<("1``
M`00#``$#`@,!#`<#"P`+!0(#!`8``0<($1(3%!4A%@D7,4$BLB-S-+9WEQ@X
M85,DUM=8"E$REG&!D=%"TC,E)E<94F*2-=4G\+%#1"@1``(!`P,!!@,#!@D'
M"0@#`0`!`A$#!"$2!3%!46$B$P9Q@0>1,A3PH4(C%0BQT5)B<I(S4Q;!TD.3
M)+08\8*BLG.S5'15PF.#PS24)39$A#4W_]H`#`,!``(1`Q$`/P#]_&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`Q,D\"AO+C2S0F+(:]/DCR2,
M-AYOW)TM/O:=>2M'N2K6]>NOQUO,U:N258QDU\&8.Y;BZ2DD_BB(F>N<PKUD
MH-/-7VJCK1U,T:KG.03YF'HC<SU=KDZWG1%?CH=4HA/%5<9(GOMH]5-Q65.;
MU[=9KPPLNY:N7X6YNS9BI3='2*E)13?<G)I+Q9I3R\:W<MV9SBKMUM05=9-+
M<TO@E5^!8F;4W`P!@'"Q(CRF]/17V9+.U+1IUAU#S>U-K4VXG2VU*3M3;B=I
M5KU]=*UO6_QRM.+HU1D3355J@S(8D:6J.^R^EMUQAQ3+J'=-OLJVAYE>T*5I
M#K2]>BD[_%._PWAIKKH$T^AS9"F(%V`";>+1PIL07D`23@8XP+)0Y[P4PRRS
M(=%%FHCSJQQ)IB0VM3#VD.I0M.]I]%:WO.=NY;47<C**DJJJ:JN]5ZKQ1A&Y
M";:A)-Q='1UH^Y]S\#+Y@9C`(-TGIG/^/4LST;J5P`T*B5W8W1RV6<@R+!BM
MF"T`"+^MGR%)98^O,E(\9KUW_">>0G7X[UFXQ,3)SLB.+APE<R95I&*JW1-N
MB\$F_@C0R<G'P[,LG*G&W8C2LI.B56DJOQ;2^9.<VYKF*EG0<`A"$SC(J&5)
M^[8X9+(Q(Y`AI.]Z5N%#>>1)E>W>O3?QI5Z9G&W<E%SC&3@NK2=%\68.Y",E
M"4DI/HJZOX&5S`S&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'#(WZ,/[U^&],N
M;UO7[W\!6`5#XZ/ORO'SA,F4^_*DR.-\P?D29+SDB3(?>I(-QY^0^\I;K[[S
MBMJ6M6]J4K>][WO>\%?5ER8(,`8!PHD1W'7F&WV7'XWQ_4,H=0IV/\R?>U\S
M:5;6U\J->J?=K7NU^.LM&E5]&2J;HNJ.;(48`P!@#`.NB7$<D/0VY4=R7&2V
MN1%0\VJ0PAW7N:4\PE6W6DNI_%.U:UI6OW,NV26YI[62JK2NHE2XL)E4F;)C
MQ(Z-ITM^4\W'91M:M(1I3KJD(3M2U:UKUW^.]^F%%R=(IMAM159.B.?6];UK
M>MZWK>O76]?CK>M_N;UO]_6\A3YP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8!^?G]:CP;\0B_(9/D45\>>:$.XWCRD\*:O;>GR0
MF]VT_7K)Y&\:YJ?$$B3<AM;\$QS]U8=]&]>BX*]H_#\-Z])]A^X>;MYJXR&5
M>7'V\3*E&VGY4XV;DTTN]3\R\3HWNW@N'NXSS[F-:EF3OV5*;6K3G"+K\8Z?
M`Q'F%RC@'Z>/>OTO7O&+QH;$BROE;WLJQQO@X$;"-=*Z?:O$/H5`K+#"2Y,:
M"'/S'G8;,PH0EQ1XL:P[*DN(987O-7@\WD?<W&\O'E\NLUAV5ZMYMJ%N.3"<
MNB;=$FU%)RE*D4JLT.8PL3@L[C)\7C/TXY-V3MVDJRE*S*W'JTE64HIMM**J
MWHF>E7C9YJF>J]#[#Q#O_"+#XI=TXO3:EU0]3+1?:7T6JV'CUX?LL`'TFH='
MISS88D*A&J>2@%6'V(CXV7'TE6EH7I>=3Y7@88>-8Y#C<B.9QU^Y*VIQA.$E
M=AM;A*$M4VI1<:-[D^P[+Q_,2R;UW$S[+Q<VU!3<7.,T[<FTIJ4=&JQ:>FCT
MJW6FM]+_`%9U6@AR'I!CQ+[!2_"CR"ZD"Y#QGR_/6>A['6&P78V]5^96ZT<<
MCDE=$H?)^J69MN("/3M;V]];#=DQHK4II>^5O^S59A>Q;>;8N<]C67<NXRC.
ML8Q6Z<8W:;)W+<=90CW-)MIG'VO<\KD[5ZYB7H<1>N*$+[<=6W2+E;^_"$GT
ME+LU:54>P>=(.UGDM^B*I2OT]*/M2E*W^W+S%UZJ5M6_37EWV[6M>JM[WZ:U
M^YG=/J!_^SW/_+XW^[6CJ7LC7V[;_P"WR/\`>+IK-XO^5=9\*?!GSZ\F;Q73
MUMJ/./U0?,)FPB*ZZULVD3<_,>-S]\F/9D)=W-4`U:=3=Q&DJ?E(C[99U\BT
MYRW+\-=Y_P!P\;Q./.,+]WB,;:Y=*PQG.C[J[:5Z*M7H<=Q?*6^&X7/Y*]%S
MM6^4OII-)TED*%==--U?&ANSS'S[OYCO_*N)=^\/>I^,8_R.'W:;XVWFYWGF
M]Q;O4^AUU=V,4OH-7I1<@5X]T-^ALO%HXN<Y-0M$23'5(3*86SG`9?MO&AQM
M[D.-SK.7+%<5?A&$X[%.6Q2A*:2NPWTBY*G5.E&F<WB\]?GG6L//Q+N*LE2]
M&4I0EN<8[W&48M^G+:FZ-ONK5,U6ZMWR-QGQC_5RZ=X0^-16O=>YKW3NP_L5
ML'7RI#GY/4!/C34;P:\L$Q;_`"R`<E#I@TH(TJN1V%2B"QVTLQU[7O6^8PN,
M>;R_"XG/Y4985['LNW%PD_U;OR@L>L$FG*DO.W2-=7H<9F<G+&XKE;_#V)+*
ML7;T9/>M)*UZCO)3JJ)R3V+JZZ:LO"B^?U]Y?X.<J[EY->/O0PO5;W*X]RCC
M/*ZY=.;]*Z/Y2](Z34:Z[3)]5=JI.%6*M(O121/F2V2KT+[-`@2I<G2&F])W
MQ^3[;QLOW!>X_B<FU+#MJ[<NW'"<(8\(2EN4MR<I*"VI.-=SDDC>8G.Y%CA;
M.9R=B<,JYZ<+<-\)2O3E!.+6UT3EYG1T:2>CT3M_Q\\Z9E^OW8.+>27#;%XB
M=OXOSD-VP[3[A>:=T2HV+AAU\T/:ZE3.E4MW04P'`&Z[,'FV'6(SXN6A"5:<
M0XE>;'DO;T<;'L9W%9$<WC[]UVE*,)0DKJH_3E"6J;4DXZO<NXWN#S3O7;F+
MR-EXF;:M^HXRG&:].K6]2CHTFJ/2B>E6TTO(+]1C]0'HOD5^G-TBV-^%O9J'
MXL]W)<;B<.\D#EKYZ2=LD"=W;G)&CV^_<<&%=]`Y;1.F0QN]A24O4O:E3(6I
M;,34MK>=V]K>V\7B_=%JT\^Q<Y?'5WU;"C-;7Z4U*,+K6RY.#?GBJ:*5&]K.
MH^Y>;R>0]OW9+#NPXV\[?IWG*%&O4A).4*J4(R2:B]:MQ2^\F_U`9Y(>EGYG
M/`SQX\*O([KWE+SOSMYC7+Y^IS2_)[JEZO">TOE]=/3RV)TJ>;\=;QXYDY9"
M','\.%<Z;#LP-U=UJ+&D,N)EI3\K?R>J^X>3Y[B\+$R?;UV5OVI/$MPAZ5/3
MWN"5Z-Y)4=USW5WU;[-4Z=`X?C^)SLG(L\Q;4^>]>3EO;W.*E6#MNM5!)JBC
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M)I[9)U34DZ-5I5JAMIXW]2[YU`-9Y7?_`!?)>,!X,7AQ`829UWGO88EL$2Q[
M<Q9B";H#B6AJQ\I2HLB-+9:7IY&U-*=:VES?#<KA\;B7(+C<M9=N46VU;G:<
M6G2C4^M>J:?3K1Z')<=E9V5"3S\9XUQ/1.Y"Y5=Z<.E.U/\`.;(YQ1R(P!@#
M`&`,`8`P!@#`&`,`X9']'?\`YEW^(K`*<\;?\NO`_P"Q;EG]1@6"OJRZ<$&`
M=(D1@!QT\N5EQQXL7"E$24^6ZEF+"@06'),R7)>7O2&H\:.TI:U;WZ)2G>]Y
ME"$KDU"";G)I)+JV^B,92C"+G-TBE5ON2/S6>!MHM-*\M^)^;5OG'X]6_6H7
MY$LSQ1J7(T+JA/F!F5T#P-A,LR%?3PGSWB3734;V(TA4B8M&OQ5O7KZK[CLV
M<CA<C@+"B[W`^A1KK)7%LRWXTR)1?@CSG@KE^SRUGFKV]6N8]:J?2+A+=C5?
MC932[VSU>\B?-JY\Y[J,\7_'7QFM_E5WE/+6^WW6N">AT+D=/YYRZ=9"%/KI
M2Q7[H,K4!^RW&R!YL<4)B1GW740GWWW(S"-.*Z;Q?`8^5QSY?E,N&'QWK>E"
M3A.Y*=Q14I*,(:[8Q:<I-I:I*KT.U<AS-['S5QO'XT\K.]/U))2C;C&#>U-S
MGHVVG2*J^UT1A.Q>=?1Z=T;FWCWQWQ(O/=/*"V<.'^0G0.1L=/YGSH!Q7GLP
MHBK^R[=4LI"56"5DFW=J8)&PA+4[4]P?)D;=9BH2\K4P?;N+?Q;O)YV;;Q^(
MAD.S"YZ=R;NS2W>2W%;E%0I*3E2FY*C>AIY?.9%K(M\?B8L[W*2L*[.WOA!6
MX-[?--O:WNK%*-:T;T6IFNY><%HY3)X!RNG>-=XZWY=>0=+)7P3XT`[O0P*N
M=5JI#`4GH]BZKUHI/?HM9JU+.6**%1/C_7?>"[[;$!I_2E+1I\?[?LYBR<R_
MEV[/"XUQ0=]PF]\I-[%;MI;Y2DHN5'3;'631J9G,WL;T,>SC3N\K?AN]%2BM
MB26YSN-[4HM[:Z[GI&IY]>97ZG7=C'Z??6NL^.G"^C<P[5ROLP[@WD2(/W3D
M\"W>*]_"='Y;$F0)3)B09"=."].`W.-&"E0:)+6X!EDAOX=(5\79>!]I<=#W
M-8PN4R+5[`O6'>LM1N..1!PN-/2CMNVXMRC.CK%QUKKU_F_<N>_;U[+XZQ<M
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MJ'P#OOG3UW4.0]&>U7N&`X=%XL!FN,K1M46V=MZ5&GH:W_\`&15W_P!Y"LT_
MIC&.%G_M>XJSN9-G$M5_E76YW6O&-JVUX>HC5^H,IYF+^RK<G&,+%W)N4Z[8
M+T[:^$KEROCL9ZR=;\@/(#F4?F5+X!X9]#\G3);G8ZSF[%&Z3S/CO,:K`C-Q
M1S(2;=[^57,*78D[K;K`R$+?0F-K3K\AA&];SIF%QO&Y<KM_DL^UB6U=<5'9
M<NW)/K50@M(KMDY+71)G:\K/S\:%NU@8=S)N.VFWOA;@ETINF]9?S4NU.M.E
M`63]6KFM:\:^/^0[_#^US2'1?*57AM;^'#Q@.9V3F7D!"E7VNEJ#/"1BCP>S
M%V;W1TB8FX4[4:8DI%E_,U'^3:.1L^S,J]RM_C/Q%B,;6'^)C=;:M3LO8U-.
ME8K9/<ZJJVM4;H;&_P"Z<>Q@6L[T;LI7,K\/*W':YPNK?6-*T;W1VI53;DJT
M=4KA\>O-B]=$[P;\9?(;Q>N7BQV??+'NX<^#%^B\^ZU6NE<O'6:!3[).#V_G
MLQT>-M]-L)H>R5#OHVMI!!AYA^0RKY-;+D^`Q\7CH\MQF7#,P/6]*;4)VY0N
M.+E%.,]7&44W&2[FFD]#=X',WLC.?&Y^-/%S/3=R*<XS4X)J+:E#1--I.+U[
M>FI5F_U&NMTVW<PG]_\``KM?C_X]]CZI4^.4WM5NZ'R.P6"NW'HQE-:YFYU[
MC=0L)>S<T`W:R/QX#<I4P@N!*F,(FM1]N?P=Y_A?"OV;L>-Y''R>3L69796H
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M3#5`N%^!$+"8)6&0*`\]IHZK<^E6$V0)K2@%`4EIY+DGVM+W%WV9E8_+Y'&Y
M=^U:Q\.S"Y?O-2<+:G&$E%)5<Y.4U"*C]]ZK0T+7NK'R.,L9^-9N7+V3=G;L
MVDX[IN$I1;J](QI'<V](IJIT"?ZKHF@<$\O^D]R\=>@\@[%X.[H$_NOC].ME
M1M1'=/Z?,':I'0^?="KCC]9N]+/"'YK[3[33$I,H5+AN1VWT)]]A[-GD<CA8
MN!E6KV#R&]6KRC**W6T]\)P?FC).B:U5)*2;0?NA6L+*O9>/<M9V&X>I9<HM
MTN-*$HS7EE%ZNNG1II&`)_JL](K%]Y_SF[?I\>159L_DJ(/$O"P-JW<K*F.\
MS:]H82*`.@0XM@;B>-ID32BS=D(ILDEQD>&CROE<^NC[A+U8>S<6]C7<K'Y/
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MN7@9GDTC9AYNQ18M*'F)(?5;=D)(S=2%2&(ZD^CF:>/P?`S]G2Y&_EPM\BLM
M1;=JZW%^E<:L:>7S-*6^FU4HWV%O\OS,?=<<"SCRG@O$E*BN6TG^L@O6UU\J
M>W96KK5(]I\Z$=T&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`/*+]9E24^'%=
MVK>DZ_QA>!VO7>]:UZ[\Q.+ZUKUW_P!N\[C[&_\`]R7_`)++_P!VNG7/=*;X
MM4_\19_[V)VO-_:/\=WZ/VE>WUWY$>2NT:5Z>NU)\..P;]4ZW_[2=?\`9^.L
M>W__`-<YS_RMC_>K1H<Y7]O</_YB]_N]PHSR!IUBZ1^HUYN<YIOHNXWO]$L=
M3:JU\WP*W8K5V?R2!`]?+I;:F-+*S6M>_2D^W?X^NO3.1XR_:Q?:W'Y5_P#L
M+?N!RE_1C:L-_F1L.0LW,GW'G8UG^VN<(HQ^,KEY+\[-*/%+BG#O*#PA\4JE
MU#]6/N0ZL,QO&RBGO%:RV/Q)I4ND=VX[9*,D+X]R*VYQ,7U@:;IO5Z5&'01Z
MYOW:4S&97\CR7?D7SW,<AR'$\_F7\/AL=W:WYK(C'(EOM7(SW7MWJNVU*W)N
M3IM3;T5-.*XW`PL_A\6QF<K>5NEF+L-V8[;D'';;2=M7-)I;$W62H]4]?U.Y
MX^>G'A9^EEY'\`\;_&OL'CCW?LW,^.]5\4?)/RO%]9J_3[O6Z,6%UZT=YZ)U
M6E7Z/!LA`9(G4>Y4*YP9PXFPER))TI:$+VM"DZ]#]X<7R?+<K9Y7CL>[?P\S
M%QW;E;C*:;C9A;E"L4Z3C*+4HO5=ITCVQG\?Q?&W.-S;]JUDXV1>WJ<E!TE=
MG<4DI--Q:EI):.FAI2=B327Z'/DUUV6-G":SY,^?,WR2YW&.0)`PA,Y5V']2
MOG!OG1N8.GMM28S-LJFHQ.,EU"5+AS6E>GHK6<_9DH_4'$PHM.[B<;Z$Z.J]
M2U@W%-)K^3*L7XIG"9$'_@C*RFFK>3G^M&JH]MS,MN-4^]:KO33[3U8\YE:U
MYN?I`IWO6MJ\G^_>W6]ZU[MZ\-NX;_#7[^]:SIOM[_\`7^;_`/*6?]ZM':N;
MK^V^(I_XF[_W%PU$8COS_$W_`*BZ'!9=F2W^T>9T=B+%0I^0](<\$^-Z;8:9
M;TIQQYQ2M:2G6MJWO>O36<ZVH\U[6E+2*Q\7_>[IPJ3EQ/N-1U?K9/\`NMLJ
MWS(L56MWA_\`H^=SK/D)-YUQWBW7>`,]@\@^.DZ':)?"871O%ZS\TKW0#<BS
M@[S2`(</;[D,@$Y98<\V-B%]O*TUO6G4;G@[5ZSSG-\?=QE=SK]F]Z5FZIQ5
M[9?4W!;7"<FXQDXJ,EN<::]#3Y2Y;N\/Q65:ORMXUJ=I3NVW!NUNM44I;E**
M2;2;E%TW%VG_``]I5\@^7]FHOZ@W1/-7RCN'Z<W>O'BI5>QW+QT+2*Y1NP0W
M2M8)H$<.YU1YK"#5[`,M0)DY3K+GRR-->[>M[3L;7.9&-+!M9/&6L#B+?*6;
M\I1C?6Z=ITDJW9S6D&VTNY5-S=X>SD0S+V/R%S-Y2?'7;,4Y6G2-Q56EN$>L
MDJ-][-<?*[S0\8;+^@SS```Z12IMNO/(O%3DP7E4$P.D7T%?Z+:^4Q.@5LU2
MH[JSP"5R%=2)/&528[+8Y`U6UJ3[FO?RG#<'RUKZC7KURU<5BW?R+CN-/8X3
MC<V24NC]3=%1H]=W@Z;#E^3X^?L6WC0N6_Q$K%F"ANCN4H.#FJ5_049/QHJ5
MJJ_I_P`\C/3#\]?ZPW4_"3JWBB<[AS#M7+BGFOQ*SLBO"RZ\;O%=(^10GR7@
M76/7!7)*H,KA!ZY%X]DLZ7A5BK<F.]#5#7(=DQT[9TZCTKV3A\_A\O'`RL>\
MN!OPKDQNPDK#L[6W<DY+:MJI*$TTZT2>M#H_N?+X3(P/Q=J_;_:MJ25F5N47
M>4]R6R*59.NM8T=/O4JDS8_NUV@4G]2S],6P]BL-8HLTOXL>;H,J1.EQX*ON
M7R5'\63!$`/)DI,>`Y,4D7->98T[MQ;$=:DZWI.]YQO'8\LCVIRUK!C.Y&.9
MBM))N6S_`&A)M+6FJJ^]FXSKRL^Y>+N9DHPD\7)3;:2W?J&TF].QE`63L\;N
MODGYZ!_)_P#4!Z/X4\\\/^B5ZET/A_)NCT+AYXQS29RZGWACOURM9RL'.B=`
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M\W9_D-7/)3O?-M]0[E>^S\;IQZD^1W-:G21O,(M&OO(P?.ZS2NKU>!7P,J`R
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M?.EG:!@#`&`,`8`P!@#`&`,`8!PR/Z.__,N_Q%8!3GC;_EUX'_8MRS^HP+!7
MU9=."#`/,3]7.\V@9X<GN'<V*-BNP^:=XH_A=RF4K;F]P#/?RNZU<K$I#"VY
M7TU+Y.W833RVU)4VV/VKW)_!6NV^RL>U/G(\AE*N%@6YY5SX65NBM=/-<V17
M?4ZW[JOSAQ+PK+2R<RY''AUZW727354AN=>SK5'G5YG>)'ZE'.?$4!;G?([Q
MBZ%5_`.3S;R9Y;R_F_BA;.:VV5KQ1BMFA]6K-OE=\NL01LES\60$N-[%24RX
MDIR-[4Z=]R>S\%S7M;*YN5E8N7:O<EOL7+D\B-R/^T.C<H^E"OG:E7<J-*78
M<!R_$\]C\5"Y*_C7+6!LNPA&S*#7HK2DE.5*1KIM=5Y::FSGE8UXO=E33/.#
MBWG;5O#/RFK?B_7>B53I_P"?*,\%N/CA<H\SHU*`^0O%+;/7"Z)QT@7^KD0W
MD-12$28J0J#,T\G;><1Q'[7P?4]OYW'3SN(EERA*WLG6-^+4)NS=BO)=2HGU
M35-RHZG)<C+B\O9S.)F0Q.26-&:ENCYK4DY05R$M90;;:I^EWM)%.3+#SORV
MX-XR>>UH\J*S^F[^HG`\/Z[T,C8(EXJD0*ODEHDD;*R'[+P_I)!?[0O'2Q6H
M)+*C&I;;!&"IU>XT],A"_=OHVLKAN0RO;MK#GRGMAYK@ELE7U(T3=J[!>2]&
M+49-:.FL:,VLKN+R.)8YFYDV\#GUBJ5=T=;;<FM\')[K3E6455JO;*AJC7^K
M]$\D/)O]/ORP[QY"WO\`3TD^8/Z:<FC5_HW-V^9A:I:.S4[M;U],\UT4\@*#
MT`/6QW3J*=AVJO0W4QB,YB'IA,B0MGV*YJYB8O%<1R7#<=C6^36%RN]PGZCE
M&U*UL4Z69P<G;FG;F]4JMT53B(7LKD>4PN7S;]SCUD\;LWQ]-)SC=;<6[D9Q
MC&<91G'O>U*3TK=/EQP[D?'/TT?U(^BT/RRLWEN:Z?VCQZM?=>I6NS<FL.J_
M<^:]!\=*\0&37>-U.GU$$[7><AQCY%IR-I]AA"77]I]=[S8<+R&;G>Z^+QLG
M"AA6[5B]&U;C&Y&L9PO-->K*4GNFY*+K1O1&ZYC"QL?VUR%[&RI9EVY>LNY-
MN$FI1N6M/U<8Q34:55*THV?H]K-KJ]T$1[!3K(`M@"6MYN*;K)@<>$25QW%,
MOHCDA<F5">6PZG:5Z2O>TJUO6_3>>6W;-['F[5^$H7%U4DT_L=&>B6KMJ]!7
M+,HSMOMBTU]JT/!:^\4.^0?0_P!>/G=(<VST^)<O#WH7'9K/M^J%]MY)XJ\E
MZIQZ<PYZZ7'6CHE0&I6K6];VPM>OQTK>M^D8V?;XS%]N961_]&[>3"ZNQVKF
M1<MW5_4E+YG0;^%<Y#)Y_&L?_5*>/.WWJY;L6YV_^G%?(U5Z-TV)YF_IO_K`
M?J0H&D!E=[?XYCN$<6@'(KL6<"Y5X_<]4_=V8Z9*4.,,E/)7H-V9=UZ:^5(J
M.K?K[4[SE\?$?`^Z.$]K;D[F/DN]=:>CN7I^3[+$+3\-S-C<O_MG@>5]Q;9*
M&18C:M)K56[<$Y4^-Z=S[$;G](ZV9ZSYHWKQ?ZYYHVWP=X?Q'Q6X-UFD#.>7
M/G_'KKY#R[^FX-="OLOKM_`F9T:A\A<K$,4\-!+A+3,FJD3']H^)O7`XN';P
MN"M\MA8$.0Y#(S+UN;G"=V%E0V[(*W!I.=S<Y*4ZZ*B7:<QDY,\OE9\;EYD\
M'"LXUN<=DX6Y7=R>Z6^2;4;=%%J-*MUKHSS_`.#%ZB;X)XRDZ3=K3TFG3?\`
MJ2"K]6Z#?B3IFZ7L"]*ZC)`7*REID(=)+%;4*6P13*7'95)9D-O:1K2]9V;D
M87K?)9<<BW"U?7M5;H05(PDO34HQ6M%%UC2KI2E3KN&[3P<5V9NY9?N.L9R>
MZ4DU-QE)]LI)J3Z.KU29Z:>9]^M/*_U&*'TVBUK=VO/./TG?U"[]3*2EN2^N
MWVJH7KQP/U^LHCPMZFO;.EA[,7VL_P`JKY?1'\+>LZCP.-9S/;,\/)GZ>/=Y
MG#A*?\F,H7HREKIHFWKH=JYB_>Q>:678AOO6N,R91C_*E%P<8Z=[5.\\Q.VW
M6@W;Q9\'.Z7W]2[J_DIW;R&\C_`BXN\<K_3>=C.'I)$?(;D-LOD-KQ]Y]5(,
MZL4ODR4/1$R#,IR6/+QXC<V2J:ZAE?;>/L9./R_(<=C<39Q>.QL7,CZKMS=V
MBLW(P?K3DU*5S1T@J.#DXK:JG6<^Y8O\?AYM_D;M[.OY&/+TO4AZ:?J0E*+M
M1BJ*%'&LM5.B>KH>G7A1W'D/C1V#]53F/D)TJC<DNP7S<O\`Y,/)Z#9A%6=/
M\([%S#F!+GU_!K-2HCE@K\1NLS0SKD3Y]19PU49>DN;2A74^?X_-Y;"X?*XR
MU<O6'Q\+'DBY4O6[EQ3@Z5VM[E)5I5.O34[%PN7B\5D\I9Y&[;M7/QT[WF>V
MMN<(.+5:5HE1[:TT3HW0\?N8KCE^'_HR^0,SM]_\0>*S^W_J>T$AWNJ0J(-E
M<BM?D/VZ_G.0";8_U>FW2F5`7>$T^97GI)`<WN++DM,;?8VZK>=WS'Z?(<[Q
MJQ[>=GK'X^:LRWM78V;4%<<?3E"4G#<II*6J5:,ZCAVIW</A\[UIXF(KV=%W
M8[*VW<NS<*[XRBDU&46Z:*KJE5FU?F_X^<FHWAQ^IGV4-YQ73S,[#9N&>.G,
MNGR;C:^#G'*-4JUVE5DYW!GBN)42D0A$LF[9S#C.R#:WI$?UVGU1K6\X?V]R
M6;D<]Q.%<X^W@84,B].WMC>6^3M;9M.[.;=*1KMT3\3E.>P<6SP7)9,,Z>9E
M2LVHSW2M/;'U$XU5N,:5\U*^)Z;>6VT:_4K_`$BD;VG6]E_.?V)WZ:WO:?&A
MKU]B?_U4[W^Y^YK>=3X6O^%.;_HXG_?G9.7I_B;B/Z65_P!R>3_Z@%2L]O._
MKKKJ:K*I^A6K])7K5EU2H$8Q;8E#Y+#KO1;Z9`!YD$K!)EJO3Z[-+L1Y,63'
M>7`TE;+J=[0KN7MN_9L6O;OK[*7(<C;CN;47.XY0@FTTTI2DHU33UT9U;G+%
MV_>YV-G=NA/`F]M*J,$I2:W5CY4G+730W[XKP_@_4N]^)7:YGZL/2?+VQT69
M=>J^/7.CUX\4I$&SIL7+K'3+4?BA>3\CI5W*#A],MK^Y6OG2U%=^/3Z4K]$;
MZWG\CR.)QN;@1X:UA6KBA;O3C#(K';<C**K<N2@FY15-->PY_#P,/(Y#%S)\
MK=R[MN4I6X2E8U;A*,M(6XRTBW754[>XU$"[:3_TOG35HVVEO?BGY)+VI&TZ
M1M3G4.EJ<7O>OX.]K<5O:M_O[WOU_'.:O?\`_6[5?_&6/^[MG%8JK]-9*/\`
MX>[_`-Y,WC?N=0H_ZM7CT]=+37JBQ:?TL[R`K,BS&1P&-83T;R+XI,?!!))2
M1%8)FFX;Z7MQ&5+?^+?O]GMUO>=?5B]D>R\F-B$IRAS$)244VU'T+JW-+HJZ
M5>E3F?4MV?=>/.ZU&W+BI13;HG+U;;VIO2M$W3K1-]A[&YT8[@,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`1RTTZHWD6@'=JM7+@%:*!S;0>TA!E@%MFJZ4B
M'*^70/+19<1!0$:@,3(<C2/EBRF6W6U)<0E6M6S?O8\_4L3E"Y1JL6TZ25&J
MJCHTVFNU.C-.Y:M7H[+T8SA5.C2:JG5.C[4]5W,^2U0J9\Q6+"=J]=-'Z5.G
MDZ:<+!!I(Q4B147*!E"%8)S(STT#.)!9KT-]V*MIQZ*\MI>]MK4G:%^];MSM
M6YRC:N)*23:4DG5*26C2:32=:-5ZB=FS<G&Y<A&5R#;BVDW%M4;BWJFTVG3J
MM`BH5-NUR+XW5ZZW>9E?B5.7<T!!J+7*JL`C++P:S(L28VC#]?A%B#\IJ$I[
M<9N0^XXE&EK4K;U[SLK&<Y?AU)R4:O;N:2<MO3<TDFZ5HDAZ-E77D*,?7<=N
MZBW;4ZJ->M$VW3I5U*G?\5O&&5U-ON4GQSX5([4U-;)-=<?Y+0G>F-DV=:TR
M31>7`"K,@DRG6M)D:E?,E/X:5Z?AF]7,<NL/]GK*R%@4IZ?J3].G=LKMIX4H
M;1\7QCROQKQ['XRM?4]..^O?NINKXU+ZSC3?E"]*\5O&+LUH$W?K_CIPOJES
M`ML,A;9T7DU#NMD%,Q7?GBL#SED`DB45B,__``VT(=TE"_X2=:W^.<EB<QR^
M!9ECX.5D6;$NL87)PB_BHM)FPR>+XS,NQOY>/8NWH])3A&37P;39:EDI5-N5
M==J%OJ59M=3>6*<>J]D`BCE==6"(0BX1;H0I%E#7%ARHV/*B[VUO<>1';<;]
MJT)WK96LB_8N^O8G.%Y5\T6U+5-/5.NJ;3[TVGU-U<L6;UOT;T(SLZ>5I-:-
M-:/31I-=S29R%ZA4[`6K)X]5ZZ;.THA-+4TT7"#21:I%2(N6#($ZR1FQGI@$
MA/"D'X;ST5;3CL5]QI6]MK4G:%^]:A.W;G*-NXDI)-I22::4DM&DTFDZZI/J
M6=FU<G&Y<C&5R#;BVDW%M4;BWT;3:=.S0^@FETX"JSJ!U.M!578S*L5S4)!"
MQRK=8)PZ"(FG;/N'%9V?,S!(R-%=E2_E?<CQVFU*VAM*=)Y%^YL]2<Y>G%1C
M5M[8IMI1J]$FVTE15;?:2%FS;W>G",=\JRHDMS:2K+O=$E5ZT21`J/X\<!YE
M3;-SKF_#^14'GUTG%"=PHM,YO3ZQ3K41-Q&!YB;8ZP%#P@AJ24'Q6F)"Y+#B
MGF&T-J]4)UK6YR.3Y++OPRLK(OW,FVDHSE.4I12=4HR;;5&VU1Z,T;/'X&-:
ME8Q[-J%B;;E&,(J,FU1MI*CJDDZ]B.+D?CCX]\`09;X3POC_`!=%C=8>L*>5
M<UIO/M'78NW-Q5F/RF&$_<MQ?F7\7S>_X_?OV^GKO+F\IR?);7R.1?O[/N^I
M<E.GPW-T^1,3CN/P%)8-BS94NNR$85^.U*IAO\)_BU^:;O>-^-G!%73ID.2/
MZ-;5<@Y\JR7V!-DQYDZ%<C:J]LE9HDZ9$:=?;FN/(>=:0M>E*0G>L_VSS'HV
M\?\`%Y/H6G6$?5GM@UHG%;J1HM%2E##]E<6[D[SQK'JW%2<O3A67])TK+YU-
M@,XTWY08KQ4\7P/3GNU@_''A(;L<F3*FR.K"N24$?T9^=-]_ULYVZQ`#-C7.
MF:<5IU[<GY7-;WI2MZWG)3YGE[F)^`N961+!2IZ;N3<*+HMC>VB[J&PAQ7&0
MR?QL,:PLS^6K<%/^M2OYR5]4X?Q?N@H4"[7R3F?7@H(NQ8`@CIU%K%[&ACL9
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M3DKC^,Z[G]IA/C\"YC+"G8LRPUT@X1<%_P`UJG:^PQ[/BWXS1^6.\,8\=^&L
M\5?E[(/\B:Y/0V^9/D-K0YL@]14@=5ATAMUM*]OJB[=VM.E>[UUZYD^8Y9YG
M[1>5D?CTJ>IZD_4IW;Z[J>%3%<9QJQ?P2Q['X+^[V1V?U:;?S$SYCR/E7$ZL
MS1^-\TH')Z7'E2)[-2YM3Z_1ZVW.E^SZN<D)6AXP;J;+^)/RN_'\CGMU[M[]
M-9H9>;F9][\1G7;EZ^U3=.4IRIW5DVZ>!K8V)BX5KT,.U;M64_NPBHK[$DBP
M\VIN!@#`&`,`8`P!@#`&`,`8!PR/Z.__`#+O\16`4YXV_P"77@?]BW+/ZC`L
M%?5ETX(,`C9NFU"RDZP;L=5K=@,T@J^=IA8V#&%251.2ALP+),UB=.BOR@):
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M"%#?7*B00Y.R`24T="C27%.(9:6AI+F]JTGU_'-/$YCEL"W*U@Y619M3=9*%
MR<%)OJVHM)OQ9GD\7QF9.-W+Q[%VY#[KG;C)JG2C:;1..@\EY7UJG.\\ZIS2
M@=*H+^XFW:3?:?7K?4G%0$[1`6JNV`<0$?)!3O>F5?#ZM?\`L;UFWQLW,PK_
M`.*P[MRUD_RX2E&6O7S)IZ]NNIK9&)BY5G\/E6K=RQ_)E%2CITT::T,75N$\
M0HW.9W'J7QWEE1Y(3BDX1/E]:Y_4P?/"4,TS],9BD:8,$QJY.8,1_P"!+2[&
M7J2G\'/=K,[W(\AD92SLB_>GFIIJY*<G--=*2;W*G91Z=AC:P<*QCO$LV;4,
M1IIP4(J#3ZUBE1U[=-3-<VY;S3C5/&\]Y%SVD\MH89R<\(I?/*L$IM4&/$YK
MY(D[`K]=@CA41T@1E.OOJ;:2IUYQ2U;VI6][T\K,R\Z^\G-NW+V3*E93DY2=
M%15<FWHM%X&>-BXV'96/B6X6K"K2,(J,55U=$DEJ]7XF;%U*JA#5EL@6LU\1
M8KI)&3+B>%AAT`U;)@46P$#R[*4B1FIQV2)"Q6HD9R4XZIB*VEI&TMITG6$[
M]ZY;A:N3E*U;344VVHINK44]%5ZNG5Z]3.%FU"<KL(Q5R;3DTDG*BHMSZNBT
M5>BT,`GE'+4T&;RE/-:`GEQ**6@D>;)IU=U09\(]/EE3L.;3M#OR[*BFB<]^
M3+;7&4B2^\XXYI2UJWO4_&YCR5F.[=_&)IJ>Z6]-))-2KNT226NB22--8F*K
M#Q5:M_A76L-JVZNK\M*:MMO35NI&>G^.GC[V[\L_MFX9Q_K7Y+?W*I_[2^:T
MV\_E61O3.E.UW\SAB?V92]1V_=]/\?N^-/KZ^W7IJXG*<EQ^_P#`9%^SZB\W
MIW)0W?TMK5?F:>3Q^!F[?QEBS=V?=WPC+;\*IT^1(]<CY0G3"4\QY[I,6^-]
M3BIU2ZWK4;IS,;Z)KHS&M#?1F^-0]_"DNGT():_@Z=]OX9I_C<W7]==UM^G]
M^7]GUV=?N5_1^[X&I^#Q/[JWI<W_`'8_?_E]/O?SNOB2!^H5.5:1MYE5>NR;
ML'"DZV(N#X4:]:15=-RQT\R!&V!R,HM!"EYPB(]*BM/)8D.Q65K2I3:-ITE?
MO*R\=3DL>4E)QJ]KDJI-QZ-I-I.E55]YJ.U:=Q7G&/K)-*5%5)]4GUHZ*J\"
MH`?B9XL5@K;#M;\:N!`#=]GCBMX+A>/<]&$K@3$'H-J%$+/.A5YF2=FC;2,C
M$V'92G5LD6&Y*=Z?0E>M[<YKF+L(6[N7DRMVTU!.[-J*:<6HIRT3BW%TZQ;7
M0V<.*XNW*4[>-8C.;3DU;@G)IJ2;=-:22:KT:3ZFB?E2>ZD7["0U*_1T#>6=
MCYV]"5XS]_+W7Q2(@$3GH,`JW-/$NJ%!?3N)QP5M>=T]L>.+K6F*F7'][JTM
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M-)L=7&`8P0Y(C/,-J;7*8=4A2$[3O7MUZ<??YCELG(CF9&5D7,N"I&<KDW./
M]&3=5\F;ZUQ?&6+$L6QCV(8T_O05N*C+MUBE1_-%K$JA4S)ZM6DQ5ZZ5L]+4
M773K&2"C9QZIKL$#0H\NM%Y49T@"4;%Z^FF;BN-;DQ_Y-SW(_#-G"_>MVYV8
M3E&S<INBFTI;75;ET='JJ]'JC=2LVIW(W9QB[L*[6TFXU5'M?556CIU74^!]
M.J(D[9[2*JM<&6:[)$)N5B'@QD,[;4U^"X,`ILY>-%;('DA!KRX\/4IQWZ9A
M6VV_:G>]8E?OSMPLSG-VK==L6VU'<ZO:NBJ]72E7JQ&S9A<E=A"*NSIN:23E
M146Y]71:*O1="J>>>+'C'R.X%^A<I\=>&<SOI]N4T;NU`Y-0Z=;"S4YW4B<T
M1L->`CRTMJ=(3IQY*WE)=<U[EZVK\<WF5S'+9MB.-F961=QH](3N3E%4Z4C)
MM*G9H;7'XSC<2]+(Q<>Q:ORZRA",9/XM)-D[3RCEJ.?R.3(YM04<KECIP>5S
M--.KJ>?R1!20_+)BI%,T.U7'AQ&5*==?85&VT\XXI2T[VK>][?\`&YCR5FN[
M=_&)I^INEOJM$]U=U4EHZZ&NL7%6/^$5NW^%HULVK91ZM;:4HWUT,/T+A/$>
MMNTR1U3CW+^DO\X,1[!SY^^4*K6YZC'8BXKD8Q4'3XJ>NMDV'(#"D/P]LN)4
MPWO6_5"?3/&Y'D,)7%AW[UI78TGLG*.]:Z2HUN6KT=>K,+^%AY3@\FU:N.VZ
MQW1C+:^^-4Z=%T[BULV9NA@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.&1_1W_
M`.9=_B*P"G/&W_+KP/\`L6Y9_48%@KZLNG!!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!Y,]9\@+]1
M^Q=(+C>F%)'0:1V)ZJUGQI7*$K`V;@P_QL9Z60N<BIQAN[5(;=M.B!%5I:?V
MAE\=H0A>M)=C.0S2T\#8;@_E(>[OVFVU2M*YQ/Y;4!!>7NU5R>0L<ZSST3@0
MX<@(9@D-UIN"/EO3T3EZU*4MQMMMOX]I=5E(U1>)#>3]_)G>B`::>ZP(;(@X
M_F$%Z*-(S:_]34K1$\I*/S[Q[C6\=KZ20'GD*Z5>B5Z-(5'4<CK4MGZG\'=0
M4T^PG7A)T_\`-7.IE/M?16>A=0J%GL0&TVQKH`/H%>Z01`B:,3L%^Y2:#Q!;
M4GG+Z[V-^6"B*W^6"TQX.[O:HR%N426O@:X_XN_(*O+ML`4.YE:(=?-=#"#Y
M/0"DBIDR%DFEO*^PU/9"V22H&D`*E6A'#QPO3<O32IWUON=(0_BTX\*XK\OD
M=X3^H'8;LY6:QSO7,R=RMY^GC`>['"LH)_\`+EJC^*L1N_E>?,GR-@&`_OO>
MBS3+:2$B-)^TLH8GO)4Y)P-O:^G_`"D7U^H5U`\:O\&B".6F0M'C7:^??C`\
MO!E$:!2ZE;K&_4I-;`]#M!&L7Z?*ISD?Z@TX,E1&I:'I`)OXTM28-O>2P9YR
M]9-7KD]8"5[DYI?2.A70:<KC9N!7[!S8+3NG4CG\[F-K(6_I(#3O;(8*U2K"
MZQ$&/O/I'?0Q1+[;WW1JC:M3[^6_D]>ZAUI//PQ^O54)37UDI%:C&C(;JO2X
MI/QS[Y=5'@4F'.U%:Y_7CM7B17?_`)?*5LK#4Y]2TMEIAT$M*D9N_G9TX:Z8
M-0:U30[G,Y'4*#=G#%@EQ:^Q<.66KE$/K92``,GZ6/O"0E<NC4BM#U&ADHG)
M^>,U)VXZE.PVHQ=E_4$Z!44VMRK@J6>AC$]-*5RM7*9;F.@7N,J=Y'F@EX`L
MN.1I0;F5';Y/`BF83@^5*A,RWVOJ(RX;#<P-J-K9WD;T('PJW7`^QSR!>*AW
M9OAY>U2(AT=RL.Q*ZR$Y^KIIP5,L&S8^M`0QU,Z9%670E3K"DJFQV5[>9$IK
MX4-1'OU)NG,!#9YFN<?.2!D:(&72*\3+OW$>F50:Y;4>0Q))>QAA[7CX_(,;
M6QM]4+3D"3%<<,,JVO!=GQ)#;?/SL-%YH;OELK_)A),;-"#@-:B28IN'<'@_
M)OVM7B1J^,];@<_!M60'+BZ`QQY*R3FW%N--,&7VU-:@44W0Z4/S@\CX=D,4
M6&"XK>3P-KNY::3/66M\C%J8K'5/(ZGU$)M^U=0CRX\OGL+D835@2R/(+DQK
M`U(D.B$-ID2Z-JI4V5N7F1!J'COQWO'UE7E`>A#;6LS8;-#FT`%$(U[B75[_
M``4,0)I^P)&:.7CGL83':V5)-2&YG^R2I>UQW7!%&KH4.<\U>UMA-_>/V(<\
M'W_=S:J=\LN[C!K7+AE-L75ZS*E](G/V(8DH3M\R@PXHE41\4W#)%&VU?6*T
MVAX7:O$C_CWYI=_O$CF?/TUFD*CRS?)N:S[C<B^BEN:?USYZRV:TV&N"KTJY
M%I72Q(5\F#FS1`"`PEYOWND?ETK0.*6I:?DIV?O57[_&IW/[MSP>,`(H-V"5
M,X#L2I9$?*XSYE&[EJWK!6P=.L]:GD^7"DQ&FVHC$(DW&=6XXI"FGH$E3\O`
ML?Q3\J[YY!W#IC=BH]<IM(JT-EX4K5DK[EM!S8Y2=!<AVT,W;R5B7`LH:.T:
M'$9(2OQDPGM-MZFZVF4JDDDNAI%=?-[KR^5W<!7+34B)`O7>MII9Z.0(L].-
MP"K7D+;J+V>ESZ]):$R.04H=SP6'=E1X4A<OY'9")S2VV&I@RVJM3:JF>5_:
MR'7Q'/[,`YDZ"#]"%\KNQ($/MT(J;/V"X^2U:'62JMD#I"%7`HZ)PV`^_"E[
M*/2'"3Z$R6DLM*=&-%2I@.O^2'7.7]5Z',G+8C<9HW>Y$&=9-$'#).(#'>`T
MWK*Z7^SJ!5H\TG7%WUA!=Z:@]'D;?VIK^292I6A4DUXT_P`I7@K]07MTFJEK
MSJA\UL8*FQ+$(.B:ZX5E&K?:!Y7RE&#BM8*5:W]#JHBNLHX$/>E1HTNS+=23
ME)8F*W'9^H%VKIVF=MGGKT*FNF41#/CQU)H+#:&(DT.58V4&FIW,"'27O(:`
MF+;+EM'CK1IK'V`TXUN8[];"ENI(,NI1`P11^)<_C7WVY7;O_:^7V:R4^RA!
M:*S<*?>`#Q!57Z:T2Y1Q=9Y/$8OW^SCH%%HA<BX^99=*$9NB5CCKUIMA:7I(
MC5$F:X\J\V>HCDIK)<YSFZ`Z^;Z38KG?(T:Z6RPTFE4^7Y2G2U!L@@<97)+=
M7CBN(PE1&T*A-(A37$ZA._!&7-ADXH[8#]07M)$*5M35(YK:`E#=;'6<;6')
M<L]?RAV]=%IU;;HDZJ7SHU-`?3(J<-Z4U]SLFWW7G&6W&5^GQTFU&UOAYV6?
MU!GK>K5U+FG0[%OJ,F17E\S,2I-4W487)>(3"":>.*G#Y%L(#L=L4S.6W*D1
MT%)3F][:6]\*!)*AAO%+KO3KUT3H]4O5PKQD($I8"RU8.H-J!=D.ENT>0E0+
M$R)-LFF.5!LP:$.AL:;'LI8VTG2G%.*<VX#1O=@Q&`<,C^CO_P`R[_$5@%.>
M-O\`EUX'_8MRS^HP+!7U9=."#`-'O-'K-SXT_P"/]WKUD(!*?7.H62V]H&P1
ML8IJU<:IO(.BV&^C'XSD.5-VH"(B*/QM0U,R79H=EK2E(<6VL912=4:8U?SC
M[1S(?!#7V4'N5ZL76.OF#=7M40<%GUNF60V=)<TJ%2+,V>NR23/-OBT*F1H0
M*R3]Q(7SSWX&GF9+PR<4]5T+F@><U]"SAU.Z4/Y=!MA8A108V<&EGP`ZRFK_
M`&3Q=0@/411\G/*3BE;J?D0^I]*'GENOB42E-QX[RV6I4FU/H:X#_*#ME:A\
M[Z%LS*L4.I<V6$FBK2;L,B!/N=O_`,!]05U:YKF7V@528$I\#M!6<N`4DQXS
M;RI3VB$)<E4F-2[5^7S-RN^]O[,_XU<<72A9NL>0/;XU=G,C>5QZ_P!1EUAP
M!59'2;=($+CSRU:.U`C(!1Z^[/;E2&6V#[3C3JU_&Y@Q25?`J\]^H8>:65+C
M(_.A%64"XET4;HJM@[80O)+I7!9'HQT\/B](K;\SIU;M)%0F+1E,"C4B&PLF
M-4=7IP6T+M^TR/+O,3MO4^H<Z@31W.><\_->0MLYH3ADE"2UMGCQ=([Q+BT(
MG%@=((%:C>H)GF(R;J62'"G2/W-45D7I,-U^4#BDO&A`_)CN_?*9T'RCY[3[
MW8AJK?*J/[$RL,2'D(Y:WQ_D5!ZQY`HA29(:3'6FTTZRL*A[(;?]A"0]\7X:
MTA()*B9F#_G]U&;8.M!^;".8&H5!*V@L-*V(>6B2E5.GTKR4L):M&*U7^A'#
M(^W2#GC\B$S,*:`.ICE52E!MMLQ]30VHQMI_4=M[%@Z<(K7[(Q0.M2UNAKYT
M5N>%KU50)#^0<DK5NACAO0IAV.9.63AJ!0B9.:K+LE13ZAD9+:1%U/!1.Q&\
M\O(6SHNJZSSOE@-`4S,%0%VLDX1F!W:O0>CW@NT>J]<OR[Q)9OHNB-30,Z6+
MK\-B'.3KU(^B'5B[$<KOGOW>#80]3?YSS8B6A!;?8;-/9*ZK8>PP!P,/8(\*
MDM6R]#K`\6HPL_'D&(T&%8YA)KV?%&':DH6V)M1?/%.^=HN7;*E0NB%^4"X2
MZ3TM\X&JX$_#D6NS!@7C;>@$VIS;#:)4Z''KU>[7(A3HVV9FY2H:IGK'2ZAB
M/"-*E49'DGD?8#/D,2XO8?L<0(23W$A3MHGOVNYF"W/^ZWRJ&FSRFSL:7SJM
M!ZX-'K%-3`S\$HF4IJ,2;<A;BO4-:5-;V?)KR$!]</G9E@I-\KE/L_1J+9>=
MA1%A'$7!3WF8-XISR",@P[.2@#ND#ZJ=C3')TR.[]RA;CMHBMZD[EZA:*A='
M,_+OIUL\0;GY$6.IT$8=&S`^JXD<?&DZC#"V0=0Y#M@O+57NMVF5^'S0A;YR
M#C$@A#GO0`;DQR.,U*2Q'I''S4-<WO.OJ(5=NN.C_(2;+L&QC(9B22LCG&#4
MGBMK\J!FH/.4L'%S(]S[XQS2`T/_`-M()96P[MILI].RV]#+:NAU4>?W0N>4
M[J+,XQSNQFQ-EZZ3J>C*I,TC1YH7LO=FXW'^UDCO1Z37Z_89-*YZO8:2N>*0
MTU!7$CP23VH:)E&U-FV`;R%-U?QEOO8"QC3)B7V&SA*LY:HJ[&*".7#K#-:J
M`(C]=:>>0(M=#_>V8FI$TR%'Q&4:<?DL-)5O!C3S4->!?ZC-[F5N+9#0WE%:
M9DU;@W1)<>/,8MKH;F5YK$$AT6SI3$Z:#>.W*!:YGT(JG:;@EY`G6BHQVQ[]
MT#0NU>)-.6>8?;NI]-YQ"GC><\XH)SR$MW-2D$BL08MD^`+HO=)T6@$HX_I!
M(G4;X,-<S'2]RB(\6Z2T25&9%I3#=>D@XI+Y$UZGY1]SI'7[D%#@N5RN94VT
M,BWF2$"ZOWPH+%0?%N58%QR$$JT`BD2;OD8^W"_V-YN(D,A3FI*I2FXHB2IX
M_P#*5`!_4!ZM<9MC_)@7EA@%59MHMCQB9#+191_G`8#RBPC:VP&K_0+<JH=!
MF1^A/LR'#$AJ3!4PVJ6#BN[<BZ%VKM,18/U([DRQU%\"YQ8>'I<BWV.NW&_K
MF``INOUZG6"R!N7%!`7HMB)U_K=KE@G40]$71Y'Z>/(6Y7FW$(:6&P[D[SV\
MB242_2ZUS?E8A%;M'7VAC5P*/3B4,5QRL=N/%Z9::]3;T9LP:VFOV6#%L%"<
M(*RADX[\0R7]OTY-#:CDM/GUWVLG[I5V>;\S,$N9TOKQ&PDI)754&VTQ0;%Y
M`U8=8J:(-7UVYR*V/,<=&)+#1HRQ2D-G'5JFQ$PT;F!M1LEP7NO6K[WJR4"^
MF.=1Q%<H%P84!KE>*"21^Z4+OO0.:%[B`DF;05G,UAZNA!FY(Y2)BH4N6WO<
MOVNHTX(TJ51K[#\_^FV:?TANB!>9'!%+;O\`;!Q0M$+#)A"GU?F72+@*K9,`
M"O5N)5NX/GZ*U&DNE_M4YJ'*4XX#CN(:0^+L-E?'KNW8[ITVQ\[ZN/YJO4$3
M>I@@KSL;;!.OGYW?X-))[)1[.9-:=;/I-,2(S;2T*B?3.:6M_P"9/PB-)=#7
M+GODEU?OW7?'$8^=I`NKJNXZZ7`5SF9=&U0_S+Q'MUC'\,Z--C6N(VKHG)C=
M*CR#T26S]%+>FPU.BXNVD:>%:23/6;!@,`8`P!@#`&`,`8`P#7"R>4/CE4KA
M:@%BO@<?=*3]`"/L*K]AE$V99>?1VH=5%388*3JPG)$[HM?4H0-<ES4?=X;B
MV$I>;5L6C9]0'D_XU27#`X#T2L155J"9FS(R1I,.UL-7Y>H9$L$U*$PF3]?T
M0^1B/,';DPYDAA]N.XZY'?2V%&5OOS1X1#M-9"39`IHM:*I(N%S("&"%@CU]
M\0*I$^O`D%0U<DQKY;26[^(9ABQKKY="B$/VQ=_5,:4+M9?/+>M\?Z=]PC\G
M.#+##KD(._.F``A..!')MHN%:H8ULTL5%";-/BR,:;-&M/JG0DR652V6MNM^
MX1IKJ5UT3R6Y77^"]E[2&@2+R&Y./.,66JN5BT!C#]@AC84V-7"H(G4Y%E@-
M&(MCAOID[%26U#IR9C:'F%Z4L%%UH1SI/E7S7G%<#6$8("W*QS(!M)4(`FJ'
MR!$2DUGKA>4GZXK7XDQX?"MW("P1I#L:.ZS*TIS;2/8I&Q4FW0N&W]@Y!SL^
M4JI\A]-98U37T<L!`4RSVDOJK$3NZWNP21]1KQJ4]HF<TXPA/M5(DJ:=4E"T
MM.J0(DV5YORN\5'IAM3-_K1*:#<KYV6\-K)\NZ1)FX],A5]=:D#J]+_.5G=A
M]%`-)BB532+#1F&E;:$R&O<&UDQH7D#P+KMD'!Z#=J[<+`1I46XBG(0^>M,V
MHE(==,>^`9F#&1\A]H=:A,N8.;?W-AQR<-Z2PTB2PI8--=2LS?EIQ@W=>;<U
MI.Q?2#/0NMN<X(M[$V=D37V(%6Z!<I]P^M32C$`Z'DN<LGP1DUM;8@@2C.H2
M01]%)4T+M=*LCO0/,2H4FZ2ZI.I,!PS$ZU7N/Q2$\J^EEF';9(2:>MIA8BIV
M"=6ZE!&/2'WGY*$PGY<)#3[["5[?9!1;-@P?:^1W3FYWHU?,JLM$@.SAY[8^
MI6@B3^H]D7Z@?)I+8!RVS))&$3COLL)'N+FPY;+[27&'FW%B4=:%,U_R&\.1
M=@OIROW>NK.VT77+G;IT0/:27WZ-)I?,0U<$B5Z#28I,[+J1ZKH;K8SY";FY
M\=6X6WG][4+270[XKR9YC,Y)R7JY$&,`<YOMKMPELB5<8A#:8$Y]5.L65-MF
M1YHF&^TTH5RI:&XFV(\J-N:A&]>]I2%`TZT[3O-^4_B@3GP8;]ZJS<TD)L)U
M[1RKG!/V>&Q^<AUC1<)!NNPVJ45D*YH;CNP3*H,Z2H0^WII>VO;@4D90AY.\
M"3R*?U5@E/L'.J]=JQSLC&$<^MY`T%N)6U5FJB`DNAN5UJTCY@TS9!ZW$+@(
M7&:6EW6O36L$HZT[3&E/+SQ38BDTENEUI4(8NU;))D`#\B,W`H@[5ILEA]OV
M!UN34!<-KZE!IO2Q,AU&TL27'4[3H7;(FW,N[<+ZS(M4WGEF%$IM3BQW;:_-
MKQJJ3Q4.$0L@+2R'YJ"@Y6V`9JM%QTGT]VAL^#+BO_$^TZVD1IKJ1Q_RJ\<&
MA`2[$KFT,K]A`VDP#N)^DW4($GUZI!S-D-RH]C-5:$.3">KX*<0@I4\G[O"C
MN2(.I+6O?@;62Z@=GXOT6QV"OT0^-)6B`%&E3\!5?,`R#@E3$=#*7EF@XS9)
MP%]Q9C3XR%.OAY$A$>8W'><2WL&G2O854#\P_&*;"A.2;E7H)Z)6ZNTX#$A#
MUC>:_.,;G\D;2ZE.!UIYFZDW]]"KN_M@;4J5MLG"=5'2V\TK8NUEED_(;A88
MF$%3KN'0:LEB_+8,7%&%B!8I8VK/;*B\/C0!PN5-7)A62GF6'U;1I,?Z"2XX
MI#2%+P2C(ZQY8^.$TL%!+O\`"C&;(3GC(PLS5[:&G0B$":&KTC5ICFJ[!<IS
M4B;9AL6,^8U!9F;)Q$L+=U*8^0-K.Y2_)/QYM9:E5BH7`<LC=XBI-(@;JUE!
M,%X$:.=?&2A[Y6OC8+$$Z/KI.0#<6MMHY#'RWQNY+,=Y:`:9C9'DUXQ5NR6"
MJKNE>&V2G%XE&)#8=8._4).%[+6@7Y2!.0:^MFQDD6FZB&9D$6N6Y#D%(NY*
M&_J&E*"C(/=/-GQJH?-;%=JQ8A5H758Y9@#4P`4]!G'90\#HO%<#(:K+ZXU)
M+C4,_3V=+"JVMIQM29BD;3ZB[7T+8E^0G!`4H5%3<!"REJ(!OM`NO@C1PX=G
M6"3<`8^;%#5T,1+S6_7G)I$B7IG;4.,+><D.-,(TO8E&=+BOD/Q+M,<7$YC)
MGK??K7YI;!S:'9ZS)"UZ/9CE5'23+1(#"@UY9,U79WVR/)=9D3V(KLB,VXRV
MMQ(--&//>4GC9SN82$'[E!J9``=>K$T7(IMN'3&)6QQ\_+G0X3=90_-J38JG
ME9CYN,ET*VR+EN+E:3&>V@-K,GS[R`YKTOL%XYK1=QS4[GU4'$SMJB1)D>#N
M3/NMSJ4ROC)4P3$CFXHT]2IJ'ID"5+AZF-/,;VE]AS6`TTC8;!!@'#(_H[_\
MR[_$5@%.>-O^77@?]BW+/ZC`L%?5ETX(,`H?LW<07'K+PJOGJX4-,=MZS'Y/
M&+C]P=Q*=/*5*T&1ATZU+<;?>$$2X6,&W]/I;J)!1I:D_$ES>A4JU\"CZEYS
M^/MAJQ&_W:.4YR$&WCMM3`'K+4S9<6;$\HGF_N5IA62O`BP84W>JQ5EFA8R3
M):+3X&D>R.XYZ(P7:^A+;;Y;<)'T4[=P,^'9S59?DPX%4)@3]4L>K>B+>6DU
MB;#LE:C%:L><8YB;;<;EQF76D#E:6G25L_(&UD$KWG%R`E8;D'N\<=4:>''\
M[&P3ZP]ZL(^UD.@4]VY'7XCS'.XH5SG-7K"X/W$XJ0J#$VM6R&H37TZWPVLF
M!?RRJ5:ZST?F)`?2`@[D,JB"C),ET45#M"8ES#TXY]T%\T'`B=@;JH\99VV6
MYBW&F)9"(J*G2/P<T&W2O>9V+Y/^,D\.(M>C7PA;*>^V,G"G+K\)BQK""$#+
M,)9M$DM2X?Y4(2PIZ%-";+?1K)LS6%C]OZ>1[A*,P\GR\\<Y%=)62KE$'2B@
M5JO:1LN@]``2([5(JXVP[LU^D3*$^1YS7I`8N.7#.FHK$:3&FL+B*D:4E.Q:
M,G"?(:C$^I@>3@XDLE8R%D+5VVLE0UAJ\BNICTNVV889B1;+7AWYOK]B52)D
M*,0@+<@/*CN>Q]?Q;1@E'2IC#7E+XW52SW.I%+4W"LE6,QA%D@1:#=IJY]I*
M3J$$U7PDH75)46\6Q4OJ==:D0!3D^<RDQ&VZVE"_7049`;QU_P`1.S@[50[%
MT"=$%>TR>LS`9[I7-GK:$K$(]&.36#@>%7)5]ITN+7B<9+T&1-@D'ACZ(JW7
MX?\`)"T:(W+\R>1UAZ@UVMUP!*,V*$5@FDC5'HE-I@RH4P\<""R70]4!5?D%
MEAQK"&@ZE-DHL.>A_P"GW&4E:PVLL,CYE>*<8-.M)"Z:4.K9`@ER2OFG1))"
M,S#"V>:7M0L:BE.F)M+A`Z<7W*L,1EP*TT/D(<EZ^-2<#;(L.W]_XK2+"0"6
M$S(^_P!;$`#D](:C7&T;%:O!*-6J>'^XUFM%XC5RO)!UN,)!H=^\E=>WZ>*Z
MCTW@E&5Y_C1\46#L!IJ^)<,&!PI:"<'G'1)49F`6A0[&W%-V2'2W1@)8L:51
M/*19\F.Z'84X].1'2AU21=LC(QO+_P`7UR97Q7R)&DO61P*^[)I5T'[GSH$*
M[39E@;D2ZM'20IXF'R8^J38T*6#B:`2M.3$;CJUH-K($ORU\=;B;G\P2=+UJ
MHW*HJ*?GD>,Z+SMZ!8BMDM@(X%LT]%9KQ+E1U"Z^B3'F&I0QPIN<WJ/IWWH4
MZ&UTJ<O.?(KPRI57J%"J-O\`H02%S2L)%EJG3'9(J8[972C]DZ$>N-;W,JA"
MP6P[J7%GV%^&LI*(LO15N_4LJ6#4B?P_)7@Y!V2_/)B!=?.481U440/5VR!R
MUD"-HL9!9B=5CM2&%8>XHVJIF#%/?)+)L;VY&9]C25N"49(!WD;PNTTR]6<,
M=E6BJT>5''6^.'Y_>CTW395ME\>1@52#5)9ZU5DW%?T_$*CH<P7-C)6\T^MI
MMQ:0HTS$B_(WQOL4T>T`-Q;)(/W>ITP-*`\_MAR-8;M.J;U\"00I0;5I4(W)
MK-+864(28[KK-=A)VY.<B:P*,QE9\J?'BZ]`J-#I4HE:3]_-VC<`H'YS:OL3
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MV-N)!SEPR4MD6^]\.V6_DP-K+DLWD#QBG&)D`\6(13X:IUBV3H<6@7@H7&">
MF65NL4L7(8%5>;+B6SH-JA[B#`"M)-$Y45Q+41S;"_8)1L@M(\K.%VER^N0"
M0N./!&*^L7)'BRLV;=!-W%<U2/.(#QP#)*(6(7OI;=>=&O(602085IY"%*6A
ML-K,!3?.;@%DB@#$TO*J4*XAJ38JW'.5BY1K./KM]`TPU!,=,"IJ>FN6B]$K
MV+A:FDY?VQZ1,C[U*TIY*-"N+)SS+RC\>NHV`+6>;6&47L=IBD+7#%L\ZOH6
M=]F^R`#OYW-H+U(7L'7#X>TC%P"\_<>(6W.9;BNON*VC0C374V8P08`P!@#`
M&`,`8`P!@&D&O#U-E[#<.H7V]'I(YOM`'J_,*:&V#:$5N>&@<+<EDI\QZMH.
MRIQTAQWZ5^*Y,D1684U];.T/.HW'%KI0QS'@GS$2]6C9[H=]G1.9V7GAZH*)
M3*B-@5GG?(B5YL-<Y<2DQJU%48HVIE]GJ)OSW'"$V/'B)>D_[-[EB[F1N?\`
MIQ\Q*CFPVNC]"=J49@<8!UB5'H!@'#Z!"B\P9:Z#+02ILIVPO2=\C#N.#)BW
MA#FW9NML;3)3ID-S+RY?XM5GEUHL]F"V0E#39>;5?FCE=J=?IO-ZQ"@UJ"F(
MU8FPU`KX"-+MB5>],*<_I;@N(O<6-[&-)3H2M2(<Q\1N=4?C_7N"0>@'[)&Z
M#.C.W<I[*.-M`B4_0:=3H3CT2L5P9`08)UVH0YTJ:0C2)I2?(D3'G%_-K217
M)MU,"3\'^?V*TW=XUU3H!11[\QSX%33(I,=JD!;].[O,(M#4Q:L@S+BSCO;[
M`MB21=DJ]L&*RE6]1GMO!N9;'9_&2M]FFGBL^U66O$3X7FH*4D='KA8(_`YC
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M9SW/Q%Y):;H>L%FLMC;G=)..2I8#9@1!BEW&@\E!`,+:^W()NMN!67W'=-.J
M?;:0MS2DZ3O>@4G0YPOB!4@/CU)\>Q=FFC!3YH(=<LP.G<YKDXK+K9BO$QK5
MMK8&ICZ5<XA.'5X@\TT0'NI-0/E9D?R:TI0&[6I#A/@+SBOT^FU<'>.@09G/
M2PJS4^R?_1[DX7;*]7>2@J\=<%(JC%;DH&2.-"Y>X6H:(+BWI+6VM,+;;:#<
MR>E_$6EV/B=2XE9;A>C(RJ%[98DVUR37H=L*V*WB.ACIIF:N#7HX%J1`F]'E
M3HK;$%J.B1%CI6VXREQIP-VM2N7_``IYS:*%?$2;O:NEDNH?_4-HL&SU9!,W
M:SPU=86U)9(5JKR15;ARG.HR(>MPHCS<-@?$VEMQUM_<@-S',O$ZQD>:W/?:
MSS"^UW?H\R_1>DB8M-.W"F18=HH5GK%>8.-4*L5\A`01YH+D$(3`B-`?WI36
MTN[3]2L&U73H?:K_`*?'(JF"L5;%&#<(8;K71Z4PZ)!T0`8CU/HJJVMP>9-A
MJI#(7,C5U5U*1D\LN5+;:?<2ZIU6]KV&YEZ!/'&BB"G0"#TLZ78Z56;?4K*+
M(2XR82PUVZ;U/J)IF(N##AS8[BBW6R$1M?R[VB&RQK\74K=6)5FNEH_3UK-]
MU5$7WM/4[:FH4F10!3Y$=S)!%NOLUWH%1![C$H]"1("DX]?Z+)04D#OH]GY$
M`>Y.TXF)II8NXO3D?CQSCGG1>K=8I4\<4?ZN;/DR+K8*DR)PDT5-JEWB%#O@
MP*S<2(J=:!^W7!DZ?*8@2VEH;2C2&VVA&VU1E+N^!7*C'.X],`7^T*&Q01RH
M1C3L>B6Q3#$L+QJF%)$=DI69HN+9@W[!1SD*<RAN6*++??:4AUMG30NYG:JG
MB!S/70SA&'W+H5H-4B25AMUQJT5!1SFZ^@"^L%R*"9@,!8N:+&>E=Q*&(TXG
M*5-3[83C2O8VM3X;F=*J^!''>>UD\,L%XLA,79U5N'8GR3=%IXP@@9:^8&HL
M3<2K5FO#X\D_,YG`C2W]>LV:Y-E.J=W)?2X@-S9)^7>)5#"W^@]A9Z5(ZP=H
MM/%<^'6"RUGDUAFRJS4&;>SSU$2S"*?%)5ZP5D7T">Q*("GH;QAIU'U25:]?
M>#DZ4,=6_#9R9TNQ](Z-?3Q+<'N%BZCRJK!5@V`=0@FK=0+?/:E255J.<)2[
M).YU!3+9D2I#<1M<A,9:?FUML-VE/`Q/_P"/VL-C=1(G9NKPB#="1Q-@\S'Y
MVHHQX^1@S06!R%"'Z.Z.5'ALQFWOOBF-G79&E*7)VE7LT&XDH+PH&UB\#^C`
M>R=+A6JN$HD>F/.0.>R1U:Y^DWT8R6YML>Y3=:.ACB^G34O3ISCQ9M<."XU)
M1MAW4@-VE"6<S\3@/,^@5.]P+W:R>Z14;A2`0EX?4Q>YM<M=NGVJ,+MYP$!&
MGKH/J2YVVA,:>^XQ$>V[*2GZE]YQ8.550JJO^!7*9<V[VR/TZ[V?711UX$N%
MH[]%=<^UW,)URM379-B&59).XFQD?KY)#1(M)GRO;"A,J5MJ-MM8;F7/PCQV
MJG)+!8;?4^@6:W`3H;=<J@`B]5I5<IM;U>;I?9(T!/!!(!,JI=GN\Y"I$^5+
M=3%9CL:WK;*W'1&ZFS^"#`.&1_1W_P"9=_B*P"G/&W_+KP/^Q;EG]1@6"OJR
MZ<$&`:V^2?+N3=4`U:O]8MA6I1RADW3:?*"'XE>-3+ATFDV:C0&Z[+?A3I/Y
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M@6='.@X=7;G0ID!<28W,F3-+<<CO:8;#<R%4_P`,:)4[3:K;R;K=HA]%&W@:
MN<8(QJ#9%U9]QZT6$X"-1H%6#D[%92E([02;9(V&62*-,S!SSCKS49MMP-W8
M^AWPOB>`-]FZ/<[UTHL=)QNO!>PT/G@,P`;'\[BR9O("T$J2@JK3=FU-N!_@
MNV'$RIDJ!N'N;J%\3SKJV@KH9&+X'\G;?#NS[1T@NS5+AS:PTJ),+UUIFIUK
MEEFNMKKG+XBX-6B2"U`ESNAEHQ%LBN82GC7FHSLS:([6TAN9UT^!G,FU-P6;
MYU5BK_4$#4BF-&*I]E(7`G5=T6;=9LERFN'W#"ZBAB&EE$Q`Y.XZ'OIOG4XX
ML-Q!^\>#TBQ5'<+B]B,@[S.I,CDV[6<NL`0R`H)<#TP&:>^W_LLO#5F7,3TI
MYR1#3H3)<5"BKBD8+C2U.BJ7?T+XNGBR`MMD/6:%T#H%.D65'."A496U4]\/
MN_\`("PDMS;I4./9ZC8I<.R`-AH\5^-I_8<I"9;:F0WO;[MC%,C`WP?Y.-KQ
M*NI.]`ELF6+#HQ/EFQ*R),C;:8'IEF-27&:^S%23,M"/KW/C90PB?(=VVTAC
MXV&Q=S96'+?"SGQ:H.E^F](*=1([9ZC2)\X2>!M4X'3B#O>J18.<"I(NM!2"
MAM;UV$^S(>G.O%(Y",TTY)4W#2WL-S["=UGPGX?*Y[`KT<T1LM3-A*<E9"OQ
M><501;00"R6"Y`YSD3EU+J=7E+-M6IQF61B1FY!"*EIS;OR^KR@W.M3O4[P<
MY72P`\&+,V-"AD>D1X\\>%YC5OFWSKH\/IE5FD0=,YY7*H4+-F!L>/.E/P%O
M$HK7MD;6O>UX&YF,K_@+QX(&K(ARP7\DFL7JB]`CN;(5@1#?*4&X=(N$.O-5
M^NU0360E`)R>I%($H"-APAR!>F8T=MC3:E+#<S[CO`ODH;DI'C@,N<#5J3=@
M%RA2QU7Y&R2935_1`&N65E7-%@^I!A\?:V].6Z&>G+_DW5R%2&6GDAO=:F+3
M^GYS!#28C5ZZ&S#:;X=`2S&C\TARTB^`C7!]*5HM`YW%+M7%]EW2)-I;?1:$
M1&VX<6?&B(2SDH-S,IR/Q@X=QV]5.I<_N+P^W<P4:O42HCA/,11-7/+R&=H0
MX-=-5JB!RMB"QGZ]K0PP2>=L+KPY;:R#[6I#:Z&V^HL?@9R([7A`1RS="'MU
MW\D/#)B"59((TYSRC5N@A$FA)RJ%*]8Q,L)5H^R0Z?$D#R.UNH>9VROXM!N:
M(B"\`^"%^74@)4KW>B%7AR!]WJ5FBDJ!8AQU@E7.4CX,N:(FT:?0+75RH;E@
MMY,%\8\,=W(=<2UK_9_@#<ZZE1B?T[ZZ:M[E!G756^+\=#?!SJLN62@=-L@3
MHEB>Y>=F7*RTNS\2C5@3LX.I#RI0HRNRP9?WIU^`T,0EI&A=W;VFP=Q\*O'@
ME5&>:6XN<BUZ]3)U8@`-F*\!8-RYENZCV2170`X>"@0F/B=MAEQF'!9;1'%0
M4);0E#"U;$4GU1]T^`O(5U`W49)JTMMV*`F(6(UT7S6B:=DMU#KU*;,1Z[1.
M?5RFPRVQ/9B3KSC8W6I,N+%=>2Y[7DO!N9,>I>)-<ZW=:9T2P]"O@VY\_KH<
M;5CU<A\\%3HUC!V(7:A]O*O_`)%D/V531T.S)T#(KE5A#VU.H&I>WIQ(*5-.
MPAH'P)YC6"P(J!OG5H&X)^N6.T1?N]1E-=#GUFT\_O<1-K?ETM^9%8GWGGD<
MG-T(<%J?<FRV=*1&4RRP&YD9"^!O##$-*0_2>CF840(%X]>50K#2Y#-SIG+=
MU`%`YG;MPZ;I$)`*5S:`Q,>'?;BRUHEM.2-:DO)V&YEE`/"WF=<N_.+R+LE[
M1+YF[6Y(B"Y+JJTSYE2Y4'XV+41/MU)JY,CY51"-*)#H1*(.*3$I<E,.);;;
M2&YFX&#$8`P!@#`&`,`8`P!@'E!WX#YFD.A]4&<O)]7B4`M>J,7U?!R6%%:L
M$_9U<`<>H<SH<7IM:BVFNU_H_P!CL),HR^%E3TOO#R48E#CK]PS6WM.>Y\Z\
MSV:XX'#G.@6Q?21WDI(Z"\4L%/>:JI&JV#H!_AHJL!B<M8T=7^KC9XH&[`CI
M>CQAS"/K%:<V\ZL/*1^54_-%\_1H:"W;*I.C]9N+_4;)"="7"F/(U<:]+XE*
MYU4X/2*J*A\EC\K8)CCD)^-MIHG(:<)0)DIM,I`OE\.ANAXQ,=CC<2(B^B1;
M(S?!ARY#J]9NC$7)E@O$-+FW05ZLE?2?M":2HL1?<2X$C3GH<5MCW0T1XCK$
M9D8RI73H><'/^4^;$"[!#C4KNE"%VFX4HATVR6*54^A6\KTFN4;B@8P6?&"^
ME!![G&9SX6YP(D>8J<+BNRT2$#-,?;-LC)N/@1;J!CRMYIR@O<+X2ZQ308>@
M%*ZFX1N@T:I]HZ1;:T+\GB]$MRF[7<R)(3LA9B@">2I\<H1A1DZ93%C.#?JX
MB`6UNA;MSH/G<@-]17;CV)N!<BY4Q>IC!>!9;#6&/S[W2'1OV<UJ/<*)-&P1
M08A29DX=&(143!\7VS425:G,/05C7L-@/&KG_;QGDCT.[=>@=&GS=4"P5"?=
MK,8KCO/#TO\`;-93E-1R6LBSA*?5PW[,G!2Y["F(S*96M(<V]-;EO+IBZ4T*
MQN%`\HP77;N[SUKNVPY[MYJU5R>QT`9,HC)DR]P.0')6*!8+0])3Q4?1QMO@
MR`T:+IE@AIW28:I;@R0D6JIKW&R'F-R_HW2(O*YG-'+=!/4,UU.UQ3%)L42L
MFAQU7`.J`J0VJ=*D,;D0"=Z+C8SL;^$P_P#)I$K6XFWTJ$BTNIH!TT!YCURN
M=%Z5TD_TETC4^D'2`MJKL`(+]9'V!KK=2`G>-68I=S8Y<BRT:YUX+J$T,#18
M!%E+\EM4IV=)R&2V]G<>IO"VN@BN)_\`U\NT1SK!'I<NOMWHA&+WD=0UW*T2
MN81+H3A3":)]G'T)8UN8XN1(E;=1O4EUV3IU:J8.E=#RVY%"\[+S5O'^T`K?
MVT'S^RC^<V66;Z"Z#O-Q>Z(0IW'"ARP6D>$Z%6TN<)M,ANS,MQW%38D%Z6[(
M0*0C[7\(S>U5.XP]YBC[+1:62D^342S62IVHS6!\JYT>;O\`;M4H'$8-RN=W
MF,G7(LKQFBW2PR50QB%*84Q(E_`.U$<AMH#RT[#8OQ3YUY.4KL6X/0IUEKO*
M@='D0:S3V!T(E19HB9`J;D1F06C7MV.#O@2]-'I+GM!+ES1\Y"7)RX[<=ID2
M337B1?R2>\GK/WGK-7X&8[#')`^7U=P8\"L58'<Q!P;+SCNL8PT@:;F-K5U$
MI<V:T\*EN19"8[L9E:'6HZ2*'06VFIC;/S'R=FW*1"4OR()5VG=6#FR4M738
MB0%DKP'M]&_8?)Y^D;;(5@GP@7&M%7>@1IB8RBTQ"ER&Y\KX-Y`FC`\VY_YE
MS@8$-VLUWP^S8ZQT</+8K!V%2%TOMA6G4P2N;<#4#IADU:.13B[-@F`ID!]`
MH;+EJ0@:PPV)VS0]O90VIN_/KY9/`>-S\-"ZU$Z$UQZC15B]W68+['LU6VZ]
M.,#'+JU:-27;5*V+?94[]VVF8M>V]O[0YO>Q*K=7LJ:D6?COF151<D=RNQ==
MK=-MM_MUMLOQ%(-NLM2<LW3_`":*5B;4*TW>:?*;@Q-GJ01-#6B:(\UEOUFM
MR]**(>AE6/;U-Q_%BC]LKMMZJ5Z[,LK0YV9(@44*X0!1:;]'+Z-TZP%#XJJU
MM>X4$R9A$A:WY$CWO_#MMO2O?]1M=,9-=AKA?^=^3])Z@=E<?K_3%#;UY.RN
MGD;)$NZBX=0%]O@-9*!B5:*7\`'%U.92!]D<87)AF$QW!^F(H]J4Y$E(%3C3
M6G0PH+BWEZ,"`8AFP=<O6R['/V+>,Z%=ZQ;8$;<,3XE62QS(D2<Y]+")-7Q7
M2/\`:8VM/--)6Q'VB*T+;;@JOR^9%PG*/-@')KU=C6/HW*J4+YH;B!'N<5>J
M7*7%/MU>YBST4\'3T2J`Y)I]ARN/`)D^*4=^K'N-L/PW'9#CM%8_,]'O&>YV
MNS\X'A+[2+92+U1(=?KEOB6<@3/M32\JLB+&S)%6PT3+E;+M84U#7.<?E2W(
M1!UZ"[*DR(KSNQBT>9=*(>4_2+=TFOT7HW5YUSH(*25MWMZ=02W.]]NF5;RR
M8K42MO"RAF(,YM,MT.F*V!D?1Z81$B:FPFVU3=2(9NB_+X$O+!?/D.C1_D\7
MLL^GP"!F]5"D=6N5'F]%DC^;_;(`KEE[)33I)J1OM!GIIR>T\N<^Y$'4V`W(
MD,;6VTND\O;0WB[SSVZ%/&\131Q;H5JMU8+<'(&3%(LLFK]`M47G_2>?&[R0
M@EX16O..%#5>!SWG(WU+*9BE[9_'Y-)V,52O@:'[XSYE40-SJJ\_LO5:]3)I
M,&>N#K1$;=RM-MY8UV7Z=L"!8NU-5KG8+?Y9<)ATS'A3FELK?BRFUDMX,JQ?
M4W-\0J1V.KQN@3NQ/66'*D$JX*I];F%@JJF)KL"KBYA*57J]7/:+&S2-O)$=
MRY#FOJ)&VT:_!M"/425.PW-P8C`.&1_1W_YEW^(K`*<\;?\`+KP/^Q;EG]1@
M6"OJRZ<$&`:D>7'(NA=5"\SD\LF2!5[Y];[]:J\=;M92M1J\:)^.?<:+5#,Q
MD?-98-M1[Y;A"%,/QYK:&G%N+86TEU*AE%I=>A`O'#E/9`G3)ELO2>HUKFT`
M%9HG-><WOM1#HA6K*-SJJF4S>7H5UMPVYFW)@HK-&S)<\ML4.)(BM/,JTIAD
M&U33J6!Y(\WZMT2S<NC44K8A5.86_!Z0]6+S,HA90>;U?A)2<W%)"2(PXEV1
MSZO6:/MR&ZA]++[C*%I7(1ZB)I&G,CQ[\F"$\>*M@KIMZK04YX[6MZ43[4["
M)0G^0=UI4]("A3!_783=EA3^7PR!0X_81XHJ^9C^S[B73,:9@C*J.DKAWEU0
M0_0S-,KG0#/1KU3ZY"+$PO:@\2(1M;WB88Y;`)LLVB]P1(5=#[(.BD9KT.)'
M4MF5&F1$S76'&6(*Q^1FE>/7D%5RYY@)6NHDN<.]7ZS:+M5JMWI8&V]-!WCL
M-INX5VAVHGTL64J"&!AX.[+C.$Z_[D"9T1.MID)^L"J^9]4\0\TP8%9$F4N'
M0[/::\FL]*BH[784PMP6&?&&'$,<\`,=*Y8*%V(9]COTMG44E6D$'YC^YKZF
MY3,9=%8]AM]X?4+K5#YV8;[9IQ?0;&2H!D[.DFX-@GE"@OQ_XM1[&0)DQ[\E
MF407;J>1;==VM2I&V_G]RDNI6H8RI73H59Y&\<\A;_T:SDZ$?N`BI(H<"15F
MZMU(A0M/]&`\[\@F`6B+`8R*F2AS'0;)5)3C,G:H$AZ,TM]#C,9Q.#)-)>)3
M5GX?YND[:*TYT/H$2E5[KY8")E52Z0RMDF\WA24V_F_4C0PETWFHN;(&E+B7
M`&Q\Y\M]1"#CWG!!-M+:&@K'YF!5X_>32BPBP2JYULQ*K2>N5"*=>[IH'T>W
M\TLW8/&OH!ABRQX?:"U0`7._4FI72OB9@>;'BQ%I@2M-5OZG2!XM8^'Y5)"S
MQ3RZ'UI^Q.2.I'+=!OO*YM#Y^1[A*G5W]GP-=XDN4KJQ2-U*KN(:!13PS1P\
M)D&"Y0R'B.N1SP]$B-*$K%F_?D/`OQ7D5I%\U#/'K22=KT#0Z$>G5LKNOR[,
M&9N$L$2'W7F[ZK`.J:YLB#&58`S,R4TAAV6RTXM6#%==3SI"<%\V(]+%%S5B
MZ:0O#XRNURY!M=XDH?*<\$<GY,S8:Y7=?G!55KW0+/=@%@C-6%AYHDT0F[E+
M)H8=5(P95C4WC\;.?VJ@>/#5-+5\S4K"H_V\P-KU@N$>[6(/`NW6>AVZH13E
MS8*G&3)M`&P0MRI&YTQ27]JTN0\I*G5#&6K-+(?#?-RI5N/<*O8+<7ZD)J22
M&ZM8>US)M*LUFJ@SQH'5:G/B9QN55P@4LQ`Z+N0_&C-)=F2OFDJ<^6-[1E6/
M;T,:[P'S,KC_`$:1J[=CZ(5#7:HN\_$KO4`=SWIU=KI.4Y5G+N>D^002[5R#
M#`;;BV3[.("2'2"6YCD6TH0XP^%8G<@>)G=FU2Q8^?U^JU\=T6]28XX7Y*78
M2/,@[KVSR5NYX\RD'T/<QYDW5;72T-IE[CS8BF'&FF8^VW5+@W(Y:CX]>89^
MQE/VM7[JJQY:PTA=CC5KI\FI5HS48E;=D)9$6"J=<_,HHU72[6AQ:*,`5F,4
MV^Y)<E%=_$ZU16*6AM3X><PZ-S0?U1?4QU@1<;U9^=7,O8"MWW;QMC,[X#R2
MK7!\5&W8RR*_(A=`JY=$IEF&/BO^YIUC3K*D;0,6ZE5]SY'WD5USJO8.+@K>
M:G7&M<^KOVNM]2C5QX\D)Q[RFJ#'QB+5;0]3#QZMT7HM1*N/:2P_M,9R2PF1
M(C_$X*FJ497\[@_E+`W$($)O6KN&/EB\[L%/">09(58+4'A=#4JF`N?EREYK
MXZ@:A5B<B5*T,FA4SH$1Z))==><;;4+5>!<'A-R_N')?NM6Z2)L;=5B<FX$*
M$3[7>(=D=#7&I\Y&U2X46C#P5SL`-SG@.0*1)9)NB*X4F$)DG3Z"#:6)38DF
MGT,5V_C?DC;NH7:R4H];1U=A#R!SG,4%U.=41KMXAB^"Q:VLV$&&1K)@9&?!
MVSUA%$2!J_G<V\ROZAOU!-4HRS_,OF?8>DU?DF^+/J9L%$[/`O=D9C6%JHES
M%#A<UZ?7K55*Y;5*^HJ5DN\6RH"P2T=*GA;Y!,O6VDLJ?:"+2Z]QI.[1_+JH
MVH6W9.E])B6#LGDDWS_===MD=L"[R.RE^FV:TWKG>Q_4+Z3C6&C<I@!&=M;&
M56&-4)WJ,P^ZZ_.E0OE?R1NIY;\IZWU*)5V.7V"[`5`P5_F.;I?4#?,W'[?*
M:K#-(=)O@C(9TU&@Z;(N-M2%.Q&G=Z4XWO>TY21:74U"NG%/-^67=K=4D7H3
M7A%>Z[3J];AG<"GUY&C'YG8]T.*=,%^K+*Q[U74S:JD<1:K[Q5N*QJ1*/[D-
MN0D0J<>TZ5L\;?,8<KHE>J5DO@VGV+O]CN=6*<^OT7=BK?)2L7JD4/7XX`OU
M7EJ"MZ&=.-![I,,S["XLS!<;@SVI&A.AQ"BL?S%V\TXUVSG?9:/-%`^@/T]O
ML7DT5O\`NR]0^Y<\EUCI=F.W&L=-$P&NJ2+$NYN?601<4',K\X/%:=G+;;%O
M--3)@C:IXGI)@Q&`,`8`P!@#`&`,`8!HWU7S:#\JF]C&EZ'.T6Y21!H%UDD<
M4+N?3JY*J1>Y'[I0*M'`%IIVL#!H">Q$E1E2&9,P;-1+6.;AONI&2C4AUE\^
M!+$=LE7*#;YSU=-&@-HK&WJHS*E6^&'[`]&Y_)*S3+44"52QSJ&85*U\S7T!
M>!ZZ]DA:FPV]Y]"'GV3AR94"#X[WFSDP)JST&VAZC90)TY!ZS6P_:3'Y-JX1
M$>.5NXL@SQ.9ILC$9;?W]PBZ1"<7J4B.&WQ-HIG<PS/!A_<(*ZR8B%Z]7B0:
M&-M;TP`9/6>8.#AJV)LL2NR21*21L1-H?&2P(60DREI9;A;DJTQ@E-:&J@+]
M0Z)8HH@@/XE:VQ]ID5NFU!V=:*_`F&.Q6BO\U.0J&0%R6FYU<!QGNEQHL@W+
M2GXG8KN_H]_P=;%<:'>>\K[)7N.<_N?1.1?G:SDS?D/9+0'A'JC'C\_K7CY;
MKBZ;G0ILIG<.RG@5;"MQQ_T;;"R,Q&EN.1$...-B[=:(Z:/U"79I=L37O'+K
M5RDR*[;K9$@4J.[:S;]=''>PUBB$'(00/,&CEWLYQ`NTN/+G,2!R98[7LDOR
M'F(HFWQ.8=^H0-L)U8&E\DL%\TC]FM?5:JF:=D\\;Z/T6=R-AFJR;T3K(D)`
M%#(G882MS)"FB;TL=/B;%MO,MZ>#:=B9^H57T6^M441Q[HUCLTXU*`V\77XS
MIV93BM8N`NF]*#[C@!IAPF9H,FTA)SZ'-0HCXPE\WU+:FTM.AMTK4QG7/,#K
MG/.S64!%Y:-)\XYG9[5'L,D?<A:#ELIE?\=`/:SQ[Z4J&9T"+59PHIF+`9D/
M?=E+:2MV,C3CJ15%4\3'Z_4$8LBGR-9Y+>Y8=BTE:]5(9&!&$".KI59IM%$.
MQ+;:8P4779HZT#52IC$;[LB./E0W''M.OJ89#:6WV3S7JW$;XSSNVT2R2#3P
M]DMM\9/#NC]!R5,L1&ODDN27HTA<>R]/!M4F'KXM+<-D8JE:2RYM21%&I6([
M]1>N2Z_)/M<@N0\9&M\,2*C3DEH<RQ41HJ3!6.WU6.W4G89>51IHI*B\5M_0
MD=%(#UR"S3DQ#*1=K*W9\V^Z`X84Z=YF%LU?IZRA"W&0]I"C2URJL#A-WZY:
M)T85/!M,U:;6]UAA,2(S(>V5<VVAQ<=M3CS8;4>M4=Y$EAF0UZ_'(:;>;]VO
M:KV.H2XCUU^]OVJ_<P8'WTA&E*7I"=+7I.EKTG6E+TCU]FE*UKU5I/NWZ>O[
MGK@'VP!@#`&`,`8`P!@#`.G#'#QVI"1\&'`3,EO3Y>H<5B+J5.D^WZB;(TPA
M&GY;_LU[W%>JU>FO7>_3`.Y@#`&`,`8`P#AD?T=_^9=_B*P"G/&W_+KP/^Q;
MEG]1@6"OJRZ<$&`:L^5GDBUXVTT59(X@99B\Z49G)JTV<<'32=7IX&;9[I-$
MS1-;L$&)*$AH>E_,37!'M^_7O?\`=M#;@RBJE`3O.JWC)<V3.YA2VP@DHA,V
M,UTV<[;2@&S]MZ/PF@RZL$71V8YDNW8.:22EDC;?;:$"YC.F'ICJ5ZP7:CGE
M^>9&1:A(NL<\K)VN1DU*?=2[?1''"<`9:H_BVTB+6!0ZJD(AL]")>3;.U,29
M<%M;`C\%Z7,1ID-O>=+F?E-U>[\O\L>NHC4!DC2^15#JG*J6U;)-JK0"+8>(
M2>FA!MV*#Z\!,1#$EU]G1:,TAY*=(TY%>VVZGVB-)4*_5YQ=@YM)M\:Z4:L7
MJ1:;A"#<R75K18)L<=892?%ZM%0Q$6/Y_*,ZHD&Q=\^J@28^B):4B*II3"5R
M6/C%VI]#8KL/EQ;.2\BY'T67Q(G)M77*\W&%\T(VB.)-#NN3P`VS!N5R)Z`Q
M!A^7/%13N]RTM:VA8C6O@W\V_B$4:NA2A/\`4>FJ$E+G5>8UFPT5<$NJER'^
ME/#++==DN;=*[#R^X1`Z:;/8@\SN=!H#*Y!+YGY$.225\<>0U"=4Z+L^TZ$[
MRA[+'NK7/'2-/@2!7DUS(3>C<^V,CY[5/O7=%\_9H7,0TFI[3<AT%JJDFR4J
M8Z-F,09C#C?N>]VD!1?F-A?-/OUIY%S6IN\EE2)W0[W8T2JL@#1K#U.21J]'
M!$>F6U$>KTX-8B<@;<0];:K"":6-L#)=EBR=N(VE&]B15>O0EW(O)L7U*]7P
M`N$,`5L51Z/T_FY1\@2E$^A\LMU=@EU]);2@,W78`&,7G."]PVR$DG%DPG%R
MV&&I$13HC6GB1?B?D(5\F>6]A(AWU\[)U,GH37;G37-&-S0U@YQ4.GTZYA1O
M3:)"5'7.K]RC>C!4*MMY*=/I1\;R$H%:H:KU?SLZ-0N458C:8%>ZL4U3:1$)
M6JV7RN42U'.H73@M0\AW292LU'FT&K57C`T'<DB4EVDO3&)<;6G8[VM[?4+M
M5>XV0O7E!:(7BU9>EPPK5=Z+^<;SQN(0KPFT=4I57NE7O5GYS.Z4O[#5UFC'
M/0;M:D&?1^`QMU+:(+NT/.>[!$M:=A3_`(Y^3/2NFWCBL\CTJ(>!WZ+2ZB3Y
MZJI@`<E^"2\-*5Y%3^U[3]I@7(=/G=%-O@U,J6V"1$?:;:BHE)V\H5I+\O$E
M9+S'O=>OMNJHGG4.\B:W>)5=EOE.@C`5IFFK;T/KU`Y]5ZD-8HT*N(%_>N7I
M3(EER3+D:-.UM3LEQE:EB;2N2?F]ULI%>+`AG-HL9%'`DQ0V,6M<0@.ZHW7?
M+15UI?2!MKHD0RBJUFT>/FA\E$%D:5;G,N^UY3.]I4+M1);-YQ]&C`X-=K]6
MY0GJJ2P`>4?+7,X]1MQD&?$*-8RL*-#!M69(J=$\GEHA/.)UJ.N`RXY\NI&F
MTAM[>S_E,'._4%L]2K]D)[Y^)MT.KD+[5/0ST>&)NIF]B*SU;HP%:!0CGK(F
M/S#8'G?VQXOI.YD>6ZKUBR-1'GG@VU.OT_S[M0P%8*9'KU<!W]H'Y`4JS$ZS
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M^I>9<J@N]1N15YP`6##!S(G719TF[,]`(\WYST'2_P`M0*/*5/YBQOIL.&X7
MCNKG)U$>>U!5\C+>PV=AM'R#R2O-Z#]2L-YY-J@PN4TT(7+`VSQ$M=B%DD51
M^W&AS5<EUD*D8)V-2PH8M^1]?+U(3]1%AK3M&Q&D:P"_.GI1JTU[UJO/89`A
M&CTT;71?47#7.2%BZGKQ#LU!M5LNNJ+$-`4T\'VZ9"DQ8\*1];(4WMK>]3(Z
MF1=J_+YG2HOG];)$NXVJP"*5^3KI8!(GG0ER\%#5CIMT=\?.-VR-6IX*JT"<
M3,<WMMTL4EL2:BIDD)TPM$](;<>4UMD-AC@_G7;FBR.PV=.Q?+1=;G6?H=*^
MY0G8-'K`1')`=^M3!?0-!,G"H:BY<[MIQ,=;T1+B'/B4G6D!M[.T]!.:S;O:
M#E>Z5:%3:<'N?(:.[&YM)L#1.-"O)K1&R6*/J,]`A/MDJN'9C1MO-:1J7MV2
MI;6DL-JP8ON+\P08`P!@#`&`,`8`P!@%"V_Q>\?;^1LA:[<GJ-I)VY^"_89Y
MR$X0E$-#QY$2S$^:0^M<06^+,3(\F&QMJ),9F/H?;<2\YI0JDUT),OAO'5[*
M;7S.E*V<LZ[J8WNOCM[)VYVI"Z$Y9)V_@_VDTY2PL06J0KU<W"CH:WOVIUK`
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MQPAB*WJ'3S`ZP5AQ^,U[8TLB#-"(LF/,>0N8AR.WOY?X.M8%6=N3P3C$LDR9
M<YG3VC#-^F=226AAHH\FOH).,,A%;6_/@)C2I)4Q$"0FYJG%K3,1#8T\E>FF
M_:%6=TOQ;DQ\^?M)OGM5*V&U!WJ_8RL\3&DR30>2"FUB5!(;=2I$AN76R+H]
M[>T^]V$K3*][;2A*0J^AT(?`N+CY9&;#YG4&9!6RO7&;Z"6%L[M$F6T0E&XT
M5S2XL"=+),ZE/*CH:^:5M3R]*=4I>PJS,VCD7+KL938;?SZH68ZB%7AJ2YL"
M.(D=#ZG=!71JQ"U+E,./?2@+Z#AF(B/7VL$8S;Z-:<1I6@JT0DAXM^.Y;;_W
M/CU&GHDVZ;>G6909EZ-^:B3FGR95J*O>XT?969K4F4PVA,>3+2F0ZVM]*7-!
MN9G%<`XHN7.G+Y?2U22=>54R"E`XFVYE=<%GP;HI^/M'T[D9X):"$-?JCW+B
M2ULJWMO>DZ"K+'!5\)68"A=?&0Q`]9`N55#@M:98V2/%9APS,^-/X?.2+D'Y
M#N__`&G75;_?P0S&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'#(_H[_P#,N_Q%
M8!3GC;_EUX'_`&+<L_J,"P5]673@@P"E^VGN!5\$!E>03_-&*ZY9(J*XKIL(
M#/&-V=$*<\U,&-'HTIF+.'B42GG92$H^DAH>=<<;92XK0JKV&",W7Q?'&Z>6
M-E>/MV4;9"57H!"3'K+Y\=:;/9K'4#06H2-1W24,L>M5;*PIC4/:5R),*2EW
MW;:<]`UZ$>F7'Q:XH<71BXWC_)-:+A(8.-N'0:[&-G+#N%85)'AA.T$8+T)^
MOPIDF1+C1FM;C,R=.*0Q\C8:O4R@WHOBA1$10X2P<5J;759XJ6@8#151#-WG
M7G<QD82(Q1C##155D=:<9^JE)4EYUQ+2U^]YM*PU*\F=U\&(XZ/29QCCK=3)
M<_)FXD*14!^N?D*`BW5;G+\>)*6!_*L\89M;`8=$A-+<^YK:AZCMO(2QO!:2
MZD]#^0/B<>`TEP'TGCY2MM6X+3N?)@3P,@3#MF@T'\OP*LRTC<8>ZV#L$5$5
M^,EME#$YIM#FM/(2H2DOF1,)V3PILEOYP&JI'D-GM-O;/<7Y])K-5%FU)$5N
MK;MI6A138P+(C`ZDFM:^=F*X\P-E(_@LZ<WK>M"TD3.SW+Q/;O,D;<RG$4=`
MYY+:FR%V9BHI.TXA=7!VUR4DRD?3H6>==?@?5*0ZVZI4F'\_IN1&^03S4[:'
MUC>17BN/057!Z9RN)KE(*%"FMP9HIMZG`C4@"-BAQ\>,UI^+'ES%BHRH,-.U
M)><A-+;TIR.E049!)/D3X=\J-DF*<5Y>W=+-'(PI+'/!U;ANV*90N7/].@@K
M%<A[$"K#-P^<_'+@N&B46&Q"E,JTXVRZE6Q=LF3NK=1\5J/"8!TZP<BI0ZT=
M#)T5D56X]?KPL_TB.N`/-BFFA,6(.,%(\V;%@RI*/E:3,>:BK=^=:&]B49&^
MU"?$&8^5YMU61RFKV$_S5J#/;D-UD#:OV2ULBDU]E<*.0OJHU&:77'W=P'%:
MANQ(,M>FMM1I"FQ5NZKH=^#Y.^)M,T<H(WH?.ZH%YU7JK,F#X$=D+210&WF+
M=7P$<%,B08]8G1USZ06TZQ`6[J(Q#=>>TVRE2]"4D<,WNWB!49EWO3%QXW#L
M?+143G=H."]5UNR!!L<L4A#>?MDX<;[DX.CV`!,92.86Y'C2H;VE(0IESVA2
M3)-RF]<+[W4W+'7!-,*;)5^GV&[A9(H$3D@I5P`KND$-:I3,:2+E&8+-BDKD
M(TZ]ME]][:O:IQ7N!U1#Q_3_``I!0JL2&&>%`HC0NTUFKNQ1%9$+"UV@Q)1J
MW#&6$#8TBLU:KPC:Y4KY4QH##9%#F]ZU+;VZ+27B8IKH/@='184L3/'=K;-`
MJ@VPQH]>IZ9,OG95%8AU"LOP6A/U1<(X@L$:BB$(>TUJ8/1IA/SQ=+#S>);@
M-GQXMI.UF0(7EYLI08QB@VP[$K0"0_7H#KT@U8Z?+-;&_P``<F>\^Z1@H=4R
MW-^9+Z-/I<3H34KNY=!\6X7.U^2#H'FEOK8DY!ILN\L5RMR"(1'0>AP*):F9
M9$B/04'LM&;C(D%X:O:_)2M[U:<<>UI84=:'WMO=/"\UL5:KM>N&G7JF-`G0
MARP_EHW-K`V_L2I82<,ESHLN8#2?@UR3)5\6VE_2C'WW=):B/+;%I(QIRV>$
M7.QUSU.A\#`-4"J,4NR#6:M4("HM0NTF:1C4V/%9$(T1K%H);DN.0HR7H3LC
M3RG4>Y+N]!YGWDLI_1?'@52.177<'GW,4]NYA6MTD))'UL07)TL?37KW&IL9
ML4Q\9`+2:Z6E2%QF-N0832WG$:2A:MJ$H^G<8I[JWAG;]BJB1LG"S6KK7R!J
M'7#D6K.LDZ\'7,BDWR8PO#2S#C#GN//LNMS4-*;<JZT;3I0[>F1:2ZZ@/T[P
MSO@ZM5(0=X98Q709I6I5VK_05>3`/SPT"NQRE=V#DP?@2_&@P1$?<5]I&U?%
M#82G:DL(P*211?=)/AWQ6ZWKJ=PGU<[>N3<&/1A_"FF*'#&P:+)#1A;X"(&@
MU:.5?B&QKZ&=CRDR</@09[TIJ$RT\MU0JW/X-FTZ>A\+Y3OG]`(F^;\EL/1`
MXN-3J6,E!0:YK<=L/7X<4`Q'@C67QPJ>7@C(;VX[+/SR8L="4N/LLJ&-&S5:
MJ$?";A\H)R&68HMR%>1:[!<"MIN,;FTX`>G$@_%VP84P*K];`5.'`NM7)`)<
M%#`R/!E-#M2Y*ER'-/.B^9Z]Q9M2Z+XJW+4.4?H/,:F<Z'N%QL:'LM?Y_-LM
MU&JA0?AHSHL6@D8>K<&"/AZ7#GLM0FF$1U>WX=LKV%)&?[`KQ1&5BV<:OEBH
M/+!3M`>?LXT>FO4MUCES\L8-L(A,U8O4*)7K`/TV,(1X^TR-CY/HCXM[:=2(
MJ]4?!WO7C98NH>-H^"<KM]O]P-FU<H^QEVY$FM03G/.DRB]N>'ZE,M,LR@_/
MBPC:76E36G-R$)0E+<K:!:.C-N,&(P!@#`&`,`8`P!@#`-?K3Y-\@H5PLE-O
MUE8I4JNR*;$^Z']MLBBTFYBSIF-H<[&<DR6X@,97WWRDN2U'ACV/1UYU+?JO
M0M&]45]6/.?QT*U>?8K/?P=$E![M9:$8`'I3ZR<`U7#E_%N+TF-"W]</?'\S
M,SW)<=+L2)&&S/G=1]')VV+M9,>K>4O,>/6&36+9)>2633:W=!3#,^OQUV2'
M9[TS080VMLDS4"27+LE9#;KK32%)U'<1O2E+6E&P46]3O3_*OQY%$&A)3J==
M%E7[;+HZ!A)).`0U8H'VG<MIR'+@,R&!3+9V&YLDM*1FVI"'-2-HW[L$VL^S
M/E3X\OEA@1KJ]7V0-6TE2!"%.S$1B5C$$1@6?'A$'(:1TD<T?-0QJ2"7=CW2
MDIJ$V^J4M+.PVLQE2\K>/7B_PZ16;,/)L&A(V74[&U(<1`N9>:3N,*4&J<61
M&9EV!@</ICY!1*)I\:Y"6EU#VT:]^PHSL]#\H>4<Z-N5\J?A?<Q!\(-N3<V0
MH''IX`O`*$'[G.GF(\8>1KH5H9M,UV(Z\F*XZA#JFUJ2G8*+9*J_W_CMHM@2
MB!;V*D7*Q5YBT"*S)8)##,@5)ANDV4NP2L&$]!,+$LKF_;7]-$=04*D[8^!.
MW-!1]2I.A>:G%J:6#UT)8QETL4OK(OE1T6)?*;W6)3HZ[F#QB8Z/!&7)\4+"
MYN;BH^F;<8?-PE#G'X[J'U,"[6?3FWFYPB[4*FVX_=JU2S-LJ//[>NGRBA`B
M3%,]0>K;5+!K=<!"G2-GG+NH1I\>Q'5)C/EXB5(VW*BO/@XM.A=4/MO+R//I
MO51MJ:*<^@OO1U646+.$HDW;,YH<E\)'@C)$^PP9<IY'TTF`U)CRVUI<86XW
MO2\$HZT[2&6SR?Y-2[9QP`<LHN."[C4['::+=TS?GK9%`<ORX6)C(E16)#28
MME3U**]'G.K9@MH9]''-*>:TH$F_B<HGRL\=CQ`8*#=9JI*>:%FS(EB(],=^
MXCZ\NQI)/1'4Q/@?<VFGEG(S25;>G,BY;L9+S<9Y2`HR-DO,3B2;%R&J5JTP
MK=8.PV^-5@HD=N7$(B6UIN[<PD>ASX#+X9\>2YZ5B*@3-19RWX,I*&][BOZ0
M&UD\?\C.)1C4JOO=#"I)P+W^S(BE+9%V"+OWQC%:JQ4NU!6(%E%.&X3.DR'V
MT[E3&&-;^=YMM049$HGF3XO3Q($[$[52WQ%F.,5T'/3+E:8G$I;-9D05ZVJ(
ME3`HBS=0NXQ!W2($G[Q!^)Y>Y<?Y`VLFX[R!XN7J5SO@[H]:E5#GTZ0.N!YN
M6O4(/+8:BOM-JVMI+LULHS.84/<C)>;)I?:W$4]\B/<%&5[4/+3EMVNG3`X,
MR*51>4<DJ/6;9TJ7/FP`T49:I5ZT_'7'FA6(L=BKCJ#+=*NNS$/P9/NC.QDN
M,O;0%'0S37EKXW/00Q+78:<S".L6B1!?ES)$)+3--CR9=A663,C,.`/I(T1Q
M;6I^HVY>D_[/IWUUZA1GU>\MO'*,`(VA_JU?:KXJ77Q\XJXP73%:(68#)M8P
M>VK8WW22#=5ANE)K#6ENC1K:I4Q+#&MN8&UL[#GE7X\H1=W&^IUV8CG$A$:Y
M[&))EOLJ]DI@=]U6AD"7N?#&DA[[,V1%^=B`II7U*VM:]<#:S(CO("AJH-GZ
M989:JW4*Q=KC39!92))UF6FIVDA6$G8B0$0@^\*+?0?5MK0A:6HJ_>XK2$J5
MH*=AAY?EKXX1-VQ*NO5%]RDO0(I]N%(ED5M3"A!@5#AC$#H<MRPR]D93+3K0
MW4MQC;S>W4HTXC:@HR%L^85+<C>-4]\1)@P?(GD9GMC<A]XG.U4Z2#IE5M4K
M2=5^OFT60V]*N@^(Q%;5%^=.W76UJ6AIAX7:]?`DCGF7XNLEPX%SM5,26/Q0
M,T7#^IF;4]'LC,&4)4\ZF'MB"XN&29??;D*:<AQU;=D):;2M21-K.S0?*'F]
MS*60)/)#:J6!&ZR&AP9Y\2178$VQF@11$X.^)>E0Y;#]JZ,/#:TTZYOZ]Q"=
M^GR)U@49(;CY*<(Y\?L-7NG4*M7#U4!(L5A'DI;K2Q8U?VU2$OO)87&645',
MPW_H$+5/^EELO_#\+J%J"C9&M>7'`X$:6Y:>D5:I2X$*TEYD(H8C/;B!*O;#
MU4<G2Y<'ZB%$GSWZ](>;&.K040AE]*X^EQI&F@VLZ"?-/QE^I+L.]2&1&`@6
MH'II.:*L,,3]%=9%MC"FHY"2);CR2(_=%+K+14;W("LCI+D]$=$=]38NV1)J
M/Y'<ZZ1V*[<>I!*/8R'/ZF,L=D.C)/S"8LZ?;+14'J^TO;*&YLH>3J<M#S\=
MQZ.A]IV.I27F74)$::567]@@P#AD?T=_^9=_B*P"G/&W_+KP/^Q;EG]1@6"O
MJRZ<$&`:X^1'CXGO`X$Q%NQ"AE!$&\5Q\K"""K$F=3>F5273;P&^W%]IC124
ML3(0Y!GZVO<*6PA2V9#*G8[@J="J:%X:B:/U`';==4,E1U+LQ&U4*BN!`,10
M$67*]M+E(!,RA;YJQ)>-=T()1+7ICXXT&*UM"G?J'WQ7(F?4/$ZO=/MUXM\V
MXV`-,N]`M-`DQQ\08XT/A6JDKI,HA$<D-*=7*C0U_,E"][;4Y_!5K:?PP1.A
M5:_T^J*BWQK@W:Y)5]'3[]<Y(2WUL?8*WNEWT_0+-KFD$5!G`$1QE+-<W@/`
MI,A4Q$3;DCYHTC:T;:%W,S-3\)]5M=5T_P!6*31M>L<8\NN0ZM"'5B!!!]GY
M9VBHU&A"Y!@L[0J=7C/,=1DCVWYD=+)21J*F(VB,RR&XP[GZ?E)_,-!L?YOE
MEGJ2+J%7DB;77HIJO6"GUL-31DT9*%0"8+3)4C,H(R;'E+<?CPWVUZ5%?0I.
MD!N)Q3_$\)S:U\CLHOIA5,VAQ:+5HD$V/$.M6P92>3W?GOVM*6WH+L8L4'V!
M9+;K'R?`J"K26E-K7M(5J0KH?Z?//NEF>W;L%FGHJG>""2%K&PQ#*;:/:GRN
M?D[6``W622DMBZQ:#?+04UYAH8B6EZ'[527&M,-L`I-?(A*_`RUWO=@(]0ZR
MXZ:#]+N-TY0L951C$$)-LG0:7=C-@M*`I('.LK=SDT&&IP:W(';%(ER6V)"E
M:C.QQ=R[$682\&*P]2$44%=I]5$.%>BORHH:N"6AK`#I?#7>'F*V`&;?T@)%
M$#/AFC'=N2-QG&=,K2\VK\!-QAO\`X%^]P;R3O#)9N#T*SVB/09E-UKF`ZLW
M`WSVTV$$`IC%H:C`K,9N'-1YJ65:=5!D%UORU"_F=VK0;M"=]6\.Z_T_J-IZ
M;NTK#3+ISE'/C3#M>8.3Q*F*_?Z<Q9Z01FE&1]<.NT[IYD=(6_`(^]F0G;.V
M/5_4@%*BH5'/\"Z4=$UBG`NM:FAN853G=+K=:-`AEGB#P/+(_>><5<5:XXD_
M72!H<GE_8B]:F-K>C.S)@IF8ZZIU,R.^+N9/R?A*.9E5\Y1^EEZ5::;-OLZF
MDDU:OG`X)71;WU&U'(RJW+^FB3HD4'ULF)AHVZCX$M1I"MK4VM#@FXEW%?%5
M/&8'0!`KIMD4*NE%I=)@10`Z'5-5^;4*I+JKO3=,1I)$5+ZY98SL;9$RQ$@M
MRD#(*7(RUL;=<!NI3%8_3[=JX:W#HO;C+TOIU0O_`#_J4UZDBGT6BI7FGUNK
M^HU!`R0)A;8*F5S[@HH_-(;GR)\I,IES7TNXHN[P)1?_``:C7<Q?"6NG2HD.
MR/VXU41A&FCRJN?W+H9/G16Y7(::A&`5@EG(I'FT2;7'VI4.17B+ZY"'I&FH
MK<<3<3[FWC['K`SO@`1VVQ37NM#UP%RJH_`"%.?&71=EK13I$%J%.)0FNP6@
MV^_,-FVH\!DF7%MOKAHE-RG7Q*F.JGB0[4.&6+D8KI<N*>/=4#]A:O,6HB_@
M$6T%?*=T`>S$JI,@6;F!=E*8PT\B9.D3'FGG5*E?-O3NA:ZU(=_@CAQ`$@/7
MNQEQ5]>M$V_D[2]5JR52Z8NM(Z%0+]-_)[[C4*-!M#'0S,D>C;BD#):&4ZW)
M89?8D!N,"/\`T_/R[:WKI4^WV<=8@;,&!S,F<JXJVRJ@&BQ;4%T(-N&".TVZ
M$.J%UG!Q;2$C8XV&U$5IIUYEYR2+N\"ZK%XP#)O/.:U")TNVU1[D?#[=QX)=
MA*APP\S%L=#K]+7=%S(R(C0HV'9K;<UO<;;#275*]/9K2=I$K_"4D-\`*;'Y
M?;*N_=SEK9N;4HS._+L(#5XQ-R6<[Y;$CJV\ZLXT''S)/?);$5Z2_/4TW"CN
MO.R%K?6X\"[M3#\3\0+@<N@?R$[58`\_H,V]E+.3`2@8(P.(5\:0K!+G4I":
ME86ZK7;K7C57^O1*C.G(R424)UM4AE$AN!R[$7;T?Q#B='N=S.SND'A=6N)`
ME<':A!!A5/#>FE..1>!OVV+9G=;(NB$<TB):2(6WMO[BI4E3^T>C":1.GQ.O
MV_QXL/9.X4LX_;XE=Y:.HB:[>!<:",GGK:6%=7YUU*OUZ%*F;1*K3*U4GW/R
MV-NN+C/.(TTEW;$E@$Z+Q*H#?I^2H4'43_$!8)\,A55<L.)10J<ALOQ95-YE
M0%4R,XE;KHVQKKW+HNU'6UK7];+D.ZBI;^!A@7=X%MTWQ#1SB^U[HM&Z:8&G
MAKI02<8+5P0;%V*A6/\`)CUCJOTWS0)(@E)(4`;(B%&7E.15(=0XS(;<TE`C
ME549T.H^(`[H_9U=;L?5S\8>M`R,&J<J!!F,@YR8U>'*&5\L2FK:'5\K(`(F
M;'L0T/O%9LE]R0ZE;++`*5%0YZOX=1ZEU<3T07TXZH+'Z,?ZR=ILJN@G_O\`
M=RS?9X$*3^9-^A(6''!>S/LKBM-[7(>&1GMNH^26W(#=I0W3P8C`&`,`8`P!
M@#`&`,`TJZ3X;1^E6Z^7:=UBUASG0&B=1*J%`*FJ)$XY8:='I]DYM!CSQLOT
MFDVFUS&SKBG)T:5M&DI4PC;"QDI45#%$O!;G&X36G;O;1\`72K_44N*6"2U$
M#W>#Y"12$MV1)'[]K@B+Y"D=M+6KV>@Z-MSW?RWR!N9..A^+O*^K&89`\4:F
M%_V84^FU]S<.L$B`P-2[T/NT>U5UZ>.F2X<V:13'COR&-Z9^/;>]>CFD*T"=
M%0JJL_I]50&N]R"74KQ8"%[K]HJY`I+'UJ,3<&V2)4(#A(R0:'+FV>VK8ID=
MR:3FN..3I3SJU(;1\338;CO2/!$;/B@@!3K]RGTD)"B4G=96!J;#I+C(.YUV
M_P!2YC..L#T$DN5RPUU+&C;'PD90J0ZP]M4G3<UL-W@27G_AI!HU]YGTQ?5;
M@<NG(Z+%XW3R\@16!^Y?#8TY^8YS:VQ1XYJ&?W.6R->?*-MPY>YP:(^WIO6Y
M+4@-VE#!GO!2NV+IEYZ87Z,?,SK;+*2H0BRUJIV8;`C%YC1%VO'%&!\B5<*>
M.D-:BP!,I;<.(*_V32%;4MY8;J*AG>2>&L+E5CI9C76+S;!-1+(O"ZZ?BA'F
MB?4&^:%N-Q;1]\7%?L4*N".7%MB!X'4IR-$;BQE_*O;6]+!RJ?%9\+:[7;O!
MN"^B6\DQ6K*8+T,"Y"K\2+50=AF]4-F:R[-B#T3S[$FP=8EO-RI2OJ&HT"&Q
MK>U:DO2@W:4(O2OT^^<4>V#+./LA"8Z)G<D-PY4^O5QVU-'>6#N7!W?CMZ8B
M9[-;N<#D0I1`8VVE&I7R.(=TA,=I@')LE'^$P>&XC8.2+ZT9#0;#U2!?HDN*
M*!AJ8&<DG0+D7F0?G:'$5UCFY^:/UJ2!0XF--)$I+B$HT^F.D-VM3LV+P[&F
M:7Q*A0>G6T+7^2\DD\,-M,AZE+D=(YJ3WRS9L<8=?#I17#)'7)H243128VHR
M)4G2&O7;.V0W$--^`X$K#&"('8>DUP+!J%>#/L@D`()E^W4JEW6ATJ^0K(V.
MT5#30P&\R/FA1E(BRWX<57\FG4E$H-PYQX%A>;6:GV`3U6S?1A;JWT2UUF'5
M:2)`W"U#CO5SM?U'9AB/J:G7@B^OSV=0H3FW)#<&%MQ_:T2E2P<JF7Z%X8U'
MI%D#N*ZC9A[=<Z0:ZH9J;#%<*Q7B=IZ14NFCY"8$^(]H`1BEJ%]OBE$M*F[$
M2YT=IQ"W?F0&ZA3_`%/P8L49VJ1^.6$XN8<'T+G/0#IXG58X>#RREP>#BIT2
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MAP&E?.Q%^)P12TH8RW^`%+L%($T4'T2YU@2$%W"OPX^X@`^-F5VZ6D[99PBP
MABT!<"QL"W3OO@ZE:6TV0@PYCS;ZV-H<#=K4E5E\1JN;XJQX]"^G6,*Q#LTZ
M\2'UM5XO*+CS;A^)*%VFJRXK8FP5K;AAUV,W(9VP@I"BR%)=W'VTL-VM3&)\
M'P0J'SUZH]/N-=M/*EGI=%LSPJKF_MQ*R&@I`I-GA9PQ`PGIX4-?@?'M+:=-
MS%.Z]'6VE)#=X:$JL/BD!-<UYARV#TJWAYG)N/1>6!3L=8=14V(8?YEM12VC
M8T6#&)PCN^6,Q"D)A,2'/@D)L;^32XG;8;G6I758\&>:TP#"HZNF6-R0^*M,
M5MEQ%1$/RVK12*SSLE(@A!XN)#CQHT8&PIEIAG3+3KWQ^FT>Q.@WLQ\GPTJX
M+I7)2Z2RB5(YW9+_`-,Z-/LQL1#1,@$^4`.=@*63"1AC6IM=<.5B%:-RWWV&
MH<ZO)_\`B:<TE`;M/$G!KPEI16TZ(B[>>K="CVBN]$"<T!#*ZR$!]#KU/J/.
M(U@'&%CG#.A"^>TYB"D6IS<9N0^]*TK:]M(:#<_F1-GP&Y;.OEHZ-!MLD@[<
M#)DV7>?"UDR3'6U/2+9:]$*I951U2*WL>W9IH*;'0AU4B(W[5*:=5)V^&Y]#
MEO/@'4;M/?F2KT2?BKM)&Z-`K+5*Q;*\L^;M'?BYS[H+GL1TEQ!&O>19H9N*
MZO6D[BPY'O4I,AN0&XMGB7CB"XI?+25%=`+'8<VO.A*E09T*M0HE`IY+H5TZ
M$Y&ANBH,8T7;=LUOF1F9,Q:DHA1([.D[=;???$;JC:;!!@'#(_H[_P#,N_Q%
M8!3GC;_EUX'_`&+<L_J,"P5]673@@P#0GSDLG5!;?(*]R8GU.)8[:6Z9&@0.
M3?EW1<I9@_*;06H&K&NQHW&;I,&\L0'B.TJ0WM&DZE>Z#N4G8RC3JRECM>\X
M*XB;>@$>SVSH*=]04\+D.T)8Z9JR]\/4>HUT/,E-P90VD4WE9F!;H43Y_<ZD
M/_+[=F/+0L7R].PBI6N^91OHAU:V.X0Z_1.LT&;3=;LC"!9PP#;[U0HE@*S(
M96(BT<SMD>723]B%L0(HJ!'EK2IN3,B3G<#RT+FH"_*$3X<V1RY)Z7<^NE+.
M&C:@.19-8Z%3`!:921EZD#Y<0BZ2N**M/6>,1/MS\1R="4@>-=:;;BR,$TW>
M!1(^;YT1:PVZ?A]SL5F34/'ZQF8$6$.K&YUH"!X4&W<,@R@1@@+%MWDOIXT3
MO,%QS0>5[AA-N0.^):H7RU[*$UYC5/+0GU6@6GLYSKSP^N^35A?-56N;EB:D
M+!$:-WP,),ORHA74"[\EGH(TYI$-EA4<3*8W)=3]5(F[9H>VFG<2/J`CR*E7
M^_'XU,ZQ>;-1NHGK=S0-%.5X%RI[F[?CUU"O4C?/2J]/:$=!>N=C^E+.SF'B
M7UK_`+M)5`^CVD%0I\=_C@1694,@2[SN1/YWT@:/)[J[J)M*'A>TG25%,.0(
MUG*&[M:NK<YV/!/-/RM6NJ04:*-.+DN2VT0OE.Z0<\\Y*>HV4FUUD#*8<H!2
MK<5`,M6!JR"F]5`H'H@[L@R?&B5(BY\18/9#L6,MWZU[4V:TH>TVAT3RFYO=
MN@7^\>.\JP<3JO17#9VV/U9UP%J4"NE8@`;68KI>WBQ")8DO9!2RX!'TS467
M!5/&S42_F1&^3UI$E74K_A,7REL03N]=Z1/O86W6+F-!DU#HQ]@6$@4WI9OF
M\D98:C4JI"63KTYBA6N,V2>.P]?1E7"&H[K6W83CCH.FAJX67^I0>JA"<61?
M:4T3+`;C/C@V:L;LM8!]D@'STJA@H%6F_=C$KQKN58"C9.F75+(BC,K^5E-:
M>4@9>4VGX;S_`+#S@MY$6PI3)1FREZ67E5A+$P+64]!N+'8?)BYLQ1S[DDM&
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MP`=M)=F&U$8"LYHI8=&NE5ZZU>A6)<.19_KS$;=V#'NE#(D#3T@BD;J')9ES
M-OPDNLNAINUZ%9V/G'E139EW-4FL=2`N6LE=I3<CEKU.U82%W>Z+Y26[DFRR
M3,QV$CFR+!>1DLVE>DM?'-B:E:W#U.0D%3\OD2*[$/-.'5YL,-7NY3>P/=CL
M1.P6(;/#RN9#H(<Y/>Y<$YM78Y(2/G\QM-&?:22?(OZ3!F1/0LQ)G/H1L/+X
M4(^2I'E94(]BC5F+Y#R*TR<MXXF>%$ZJ=[.5G)Z5YA&Z`BO6FT/OEB?.&BIV
MA2'&G7OHHXV2E*FVXNRJ-0:/N_*AMSP"O>2@>XF"W7+#<B3-KK'191V#/F5H
MC4*O;@W1&85#C<[%PHD:4,%3J7+DO(0ZM[ZQM#2I*M.H3K!'3L-3Q<#S.-5Z
MLU\X/[H0E?:U5@&7(N5J%6.BL+O-PC]JN_=*R8E/'**NW\LE#ORD`0^^R**(
M6B`[MO:-Y2^7P.VJO>4\\53^<E@'>@E9Y:>YZ;+3:7/!@(I<$,[_`.-YBN5Z
MME01ELU9XU:X["M+96#[$M;;9>CN_4/;:2L-.NGY5.H"K7G#J*,JZE]=J1A=
M?K`DB]6-<T%<W!<S<JO/&)2ZHS'B/P!W:XG3E'5/J1'4EL+\N_3;&H&L@\IL
M!Q:=Y'TWL$L?T85U^_T?50+UH?.(J%HAU!`KMTVLT,G)D,SH@OIIR[<Y*13!
M<IM+!0+%$/Z>1(^L:;12.E-.I5OEIQCN<SLEDZ'R+GI:X1:4`I?E)168A<)`
MCV?R<Y>I[E4/GNFB1>"IMRU<3,S&MO/I1!]R4:6YI6M>@L6J:_`LOQ/Y[Y"<
MSZ-T"BWD_8$\NH=)%TGG(K[`F552XH&(ID"E6^M6!4W<-@_J/",_>H*F-2YQ
M";\LI26V(NW0='TZFN4&-^H&09J\**8ZJ$B!>=]0A!+,2#1I9OJ5\AHZ0F18
M[M6YY%V+RJ3<(\NO.UL>35,&@YL1Y$13C#B4+%\I<5UIGF5$LA>K5";8[/5:
M4OD]IYW9;U+I9_5KLEHE4J&<%VIR1!:F)3R(OS<P7ERFX\=>V;C'U$4M4726
M1$XGUXW$\I7^V<8<*F>YA.1PJ)'?L\'K0B`>-6&[K8ZBWU0+>2(`@R$`K;L3
MU7EUV<VV[`W#B[CBM:COR]:!TIV5/4/!@,`8`P!@#`&`,`8`P#S!ZFUYWM]S
ML@?FDBPN<P>L,:OU@[+13-B&(%_&BNER[?,V^C[K]NY28Y9-IB&E(VMUB^-N
M^Q[<?3\<9K;3Q*#9:\[BM*YY6;`/Z[8YAU=@5<)$X*S#C)@64.(K/0.;W&!.
M(0H$F`&(_<RXD\XM^,[')MP@S*D0=2L%\I+:?QCR'K5\#V8&YW6$6HUDW'VT
M:/"B=7)5.Z]3\57RE5%:*;F:D4$5S&!95_;HJV&X,R'(WK7U+,?>H*I]38+R
M/IODQ9NJFIW-KIUZM4P?1J[$!CZ&3J(\)/L"J#Y/FS4F2@P&(D7R6[^$YY&6
MO;B$I9>2PW[6I,[:J8JE-2A%L><]]NW0(,G7;.95AZ3))M(#$*UO<>PUZA^1
M;`F)6+*4:GQWZS;+!`HA!^(.AQX4=V2S"<=?=24<6,O*EV$`Z;TCS"K;75;=
MT!WM'+>9QHS4TZY7BM';L`P^"J?;M"'N6FK1-T*(BCYL74"Y6`/B(A08#BH\
MA<GX3#N0)1Z*E3*"Q_Z@MU"6:=/O/6`L\@V3*Q!]6!@Q"5,0.-=HL?)2E<M!
MN)*`Z@'[)'J$"P"8T5+ZS"O]L4RER0EP/*2*YA/U`!APH#JUQZB@($I75=\Z
M-2`X&UE[79'1'0)FA=P(16(($<27((`/RN0*Q]1(SL132&W=_,VNCR^!LMQ"
MB=BJWD>8FWL]VJQTR-SR\T^H%+99&"U3G1@_5UF@Q&QP1B(<!5RF5VPMMCR+
MT9$F2.C.,[5OZ?>L&+I3L-3.?FO-?I,4A8.>6CLLH.H]U:7HE<M4$<&)=)J<
M3RIA4<+6'%P$_)Q1\V)H4:2GT;1(?0REYWY%E]*&3VG9LM9\K+DY7`WT?D\1
MH3/2N76#C#5LU18MG:EU+J_);5=BGDNXGXMM@P<D04F5CUUIS<6/O:4K=U$U
ML3R^%29`9OEOT0JF-?A7D?4J46K)>LUEL&BLU4TWUE'"^,!WBE^D!Y$DT+YQ
M*O.[>Z-G(<;A:+I>?>]&E"5*#RKI0O#P]1VX.=G5_H$+L!:IL<1XFZ)-]5>D
M#I=5MPJD`PEHY\Y&FN2MWD\0.1IQJ=96W?FT]*5`E)WJ/$==$E3LZFN=):\Z
M[5/-ERR>V4B`$)V"Z5FKSYM<6T[:G9/CTXU03Q<FS.(W:CAY4BZ,-KCH%CYZ
M&WG8K:(NH/K"^7P+G\;*IVJ(KR9M5V_;-7>@VOF'-@[MPO`:IGY#75ZT$ZG^
M<9''JX-?;A&N?5RRGF'P,.3[(TM#R6VU[:7O>J'31+H:\#VOU!3ZXT74_K='
M')YL""@TIALFR]HB?F,N#N-M(&+*T_'H71B3FH-B@1C;$@@.$*0-0AY>IKB8
M7REFWZN^:K9:Y-AVKJ8&\TNY^L\X-QD<\*6NTT$W4^@W,GT.J$3\=>H-[$UB
M]#*,)=F?3ZDG0#BY*%QI3CKE(MI!CVO-1$KJA6OGN^)J`@?2Y/+:!-J4^5;N
MCU&*US*:!`%;ZAUN3S>\&B<6S#;&34P^4B*((E36MP8D?Y!?*;.^4]#ZN:N_
M*^HT"+TB'-JO,[F`M\6A%Q3Y857;CUKQK?O\*LP):%QB/0Y',`UEV*?CZ^;Y
MH&MQ]_4ZC)4,8M=&4W3S?EQ7I$4]T`3Y%&R(8GS(A7Q`@?3B@(MP%-I"LV./
M=!0?;"9OD=]&\ZL\QM:5[AI]1VMZ3(3@OE\"II,G]0R76(HM,OL8T@58XJ8O
M-\EUN"Z9H)&5Q>RP25"K%#K[S\.\1J[V9D26/&A#WPDF):X$U"8T=]U8OE-F
MO&BJ]W:\@>R73J0_H3Q]WG&ZC^8KFR"C<VE'AW8^K%*X/Y-'$/N$VJ?^0)X.
M0_IWWZ3MU"5N*(:GZT,72FA1]<%>=14&J>Z9\@1DZL5)ZR['V%WGL.99._#X
M',%6ROJ:CCY#)/B;U@<+_8XC3C$62CZW33FX286"O;X&SGDE3NZV7K`77,Y=
MUK-5F4QF'8+=S_=2%V'ZD36.[FX`/=B+C")=D?)NR*OIUA&OB4IY*=>U+LA6
MQ%2FIJ6_SCRVOG5PUA+Q>MANB?:+)7+!=C8J@2>54-HY;!97GI3E$%QB:\P^
M-K@P=*/N-LN.H(QGF]JT[M2=C*L4C'=7K?F3T3FUK(6VE=?%?MMY&9W9Z+S6
M/SQRZUJV681Y`M<YXZ7-*4I,^A5)HN'C'%.2GHJ)TQMQ3NHKTU6P6U/0D?3+
M9YW)!7FOU.C]J^Z@8;P>OV84Q768*;J.NGDD?JT^NCX4^/+N]6,UQNBBY+LI
M^&)C-OL*G[=2R08V"V]IL3XRB.XU#M%A`VT#==<Z,`NJ6&.W.9:!TKGY\GWF
MV60<P.3'<D0;Z6Z@'LZB7U"%-30#4%49]"V9<?XQBZ-5[37XQKSLM]IZML7'
M[;S^O1"5XM57%0I]:DJ3;`-,[RFJU4593:)FS]*-68129/PPHT$4XN4B+[G4
M;(N/0OE-@/%:N]LUWOKUQ[&*Z0V4F4H?6Y9>UI`)H2B@_L78"@L1R'[4XJ:J
MJ1>>E`3JU/:4A2W$>Y>YVB&M4CI14/0W!B,`X9']'?\`YEW^(K`*<\;?\NO`
M_P"Q;EG]1@6"OJRZ<$&`:N>3';WN&-4(^P`G6ITA/N++-:'H!QI)V4-HYHK!
M&)L!N4PW6_J9L9O7U*$N:W_W'-:;VI6A4JE&6;SAN<%F:)#</C1;O#=`CHHB
MY=`<#`[;86?)"'X^=+$\^L@^FE(=L@<[EN_6S)>M1IC&IP_3P]MN5IQ(NWQ/
MO1O-*R/6*R![504S:P,BN[K]LA'8$>PF"T0;Y164U`+U1N#H:('C1OCF[$B/
MM3Y#DE4MMYUMK6UI0%$8F!YP720=&HG<N98<MEAL%/Y74AUO&R(]UF2YWC4Q
M52]RM4X/%7078/[:W_JV8T4LTIB.YM&W)"8[+XNU&:!^?<0['<+:Y1.!UF4/
M6+KQZP7<0W]VZDU2:#<'>>O!P0JP&&F7I%[;$PR$-DB\2*,::B0G]2(ZEB;?
MM,YSKS!4?YCW'NEA`EHU0HH&H6$)1OI8L*S#I$ZD0))JKRII-`A"I;]SV\RW
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MJVBVG(/`%U]J#;9,6*AFKDBWD#`842<B:<99@O.?2J=<9C+%VDB\?._]%O/3
MNC<WZ13(P=4"T=0<I=@%GQ12&H7S>=S$59:O.@Q1XZ<VZ"*=,BM0R#FE**(:
M?<6U&TAI+P-452+5/SI$6R[#*G'Y_)C!R/3A-'3TIPZ0_9HH%;1;,WG5BA6A
M^G1&R!'I!![<`*PAM(0E-;VQ%,OO.1FI`.)W^Q^;4/BUFZ!`L/+;!/J-+.1:
M$/MXP^+EOV3J)3F5>ZF&J[53B1I9P<#F`K`EAPJK3RF9;6TZB.(4A>P4:D23
MYZ'E,2)&O&KI#BV0[\2.'8G:5;R?2&*':^A_E$919`"+<I`!RNTF?(;*J@HF
M2(ZXJV!CRG]MM"[?$^@SSS&J-SVHU9W=ZW'-THA8K16;*`<K]0I-]'<1#`"%
M2EZ9;F]0CN7+JBE+5\(R2B%%D+VC3NHD60&TG5+\S/S-POJ/9"O)S=?(<VIE
M8OR*&W:J\7GV&OWKG0+H]-98L"=0`8PT0''4Q9;+RE1X4IM6]2'F=I=V)MUH
M538//<A37NEG;)1])W00PH41Y7$-_<K!^:ZE:/(5'5R%.-@ZP5F7:%'IG+H4
M^*E<*!%8:]RYSPY.I#C8NVI,/\=VFR,Y$WD)016V[[^7(MX*V\?JK#:3$Z;U
M+E1;I-_EB@Q>100S=GY:XU%2^W(C+67@:ERX*525QA-I:_EKU>X\AJ_,SM55
MJ.,)]AK`WHA)AT7HN.YF+!VFZW)8&(9!'X!$K.&5+<33&VFGEM2%Z8?CO_&^
MV(E4KVN><,&=((!+1RXS5K8&179)@*S:01^#$A7(UP*%578YR(U%8FR)8GR"
M'29326M?2R($EA"GT*C2'Q=OV%563SUO1SEQR91^+3P/2)/-9G6`\4G=JH2'
M`N6N4JE6J%>IDG</<(K8XCG0(#+E<2CU<4AW>IOMTG:Q=OCH=V\>?)M)"SA:
M-SV'*&UXG?625_;LLF5!<I0CB_<.C5>_4&&6J0<5>9TLUQ6=$?AMROLZ?X"6
MR;ZEN:CP;24*\ZR;KT,97^*EK)/LQ0Z-YM)E7JM5Z-<H%%LEQI?0#]@2[$G+
MHJ`]DICFXL7:2#LZ'+9<3\;J7X[-&TOW@7D:,[U-N+,*L3Z>W7X-&.A!]EF;
M9M=BJ%]KJ3H*[[KZ1Z(<6I%WFY$4;.B3R4>:]"E-K4Q(C/QVQBU0I$YYT/(Z
M)<N<4GB-NN!`#TJ'R2O'I1154J)Z[LSH(^RP2UH*U]X)7XXER?MZ)J.^4FD8
MT.6YJ,SMIM#PNWM*Z_Q^V&Q77G!*E\SFN<VN@,E7Z]%+V.O#S5UZ[8"?C4-J
M@(@GZ:;(I%<KDOMCS<LHE4Y,I,9]:(R]Z@IEB[537J26!^HY491P!5Y/*[C"
ML9U\L'^W;,5Z2U"MB&*Z.IM>7-8D;9E(Z1?9)X"&ELZ6T_)J\QU6DH4WK8FT
MQ&_U'?M8.?:[=P>PUZJJ#QYU;)0[S7[,0/D;%6B-KH8IT&&'NSQFK`*#R=3'
MM?4;&O*80EN5\CFV1=NM#[V;]0&WP:=>#H/QW+QBM4H=B(-1+Q<$U1EWI87F
M'0.J,526*FUE%K8J$ZM<VG/,&W8,=V0B3!VF$G4EQ44%'Q-O^2=FE=)M'4Z>
M:J#M$L7+S@L3+!%2STHZ4&DXLKZ.YQQSH06U^1K"1%S6P9.._,9)M0WMK^EE
M,28;`Q:H7K@@P!@#`&`,`8`P!@#`-$D^7\VI=GN7,;]233P:?W$%RKEEP#.@
M-P",PN-X)'F!RHY171F*L)/Z^N<N<\RAN1'B/LMI^1$?ZD94TJB$'_U#ZM$&
MS#[%*N`497FHU@=$E(5>?M?0*XCGG1+D1=IHB3:0[#=>9FTS[8FP?42HB33;
ML!UEK>MOI%VF0F?J&@AUEDT5[AG7BU^KT2U[O%-ID$9=S%<+A%]";`BH.J]*
ME1[(BTN<UFH3)84AF&Y*B(>_A/+TT)M[>PM"F>8M3MT7HD[5==C0^=\;&=C4
M]`LU?,_GD(_6?S$9?YK\+T9NWUFOR][#2#3:FHC9]B1!>2PXUK;@E"MF//QA
MD4?DV7BEJIIB`-FR:V#.W?GLERYE0TZA-G:X%D5TT==4:B#.G")$9C3#CL]>
MIC;2/;$4ZX+M(&;\[Z);>@<Q$'N8DIO+;J+Z\0KT2U!:F8(GSO(0W$^C%+W%
M8=*38E8&\\Y_<#SRXLA7W<I-BI;@,.;TVIT7:TO$S8C]1&0?$NVX7X_WG=)A
M\],7,B4FF1D4C%?C6WF`09(3`U&=;DT*+7NGLE3U@9<=B@FQI%M:'MP75;#;
MV5U/1P,4BFQ`HU!?B2H1<;!*0Y(^;&)P),6?%:EQWX1&$MR&0B/-.Z4V^TI3
M3J-Z4G>T[UO!@9+`.%B/'BM)8BL,QF4[6I++#2&6DJ<6IUQ26VTI1K;CJ]J5
MOT_%6][W^.\`YL`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'#(_H[_
M`/,N_P`16`4YXV_Y=>!_V+<L_J,"P5]673@@P"L>FQN/KBU^1U]=!8A??6A5
M7?OTL'"C.60['?'1Q@5TX\PT\:+QEN,ML,[4^^G:DI3O\<%5>PU_Z&WX/B@O
M5^EW']AY-BKC+%7>DSOOU0DS8$LB<GWLO59:7C+$<-<;+;1SDS3"EQ9\PDRA
M6U;6TG:!?-TU(3>%>&92W\\Y99N.56PF.Q\X$W9L/)%4N/L9SYN_P88@C9A!
M6Q#"KT55S[1/VKZ"-/WIJ85T]OXG'4/@MU*U+/U5_">V1-)8UX_'873RBZ;!
M5!/TV8U;;`+A45E=?KKL,FK4JR#8M`KB]LC]ZFL*$P7?1*V65Z$\R[S[3!_A
M<1HC$-&N`%:-(,HI0:$)+T1P3,M\&I@@4"GUMR(19B:NL:IUH9'AQ(SB)S+$
M.-MO2--MJ2+YO$^`9_Q:K%3@<^J]8H3(>^[YY0[+RD`/J!"6*@=,!KB505TB
MGPI\EH>$G`W%L*U)0ZRZQM6F].HWO>PHZGPS2/$5C;W*"U2Y=7Y,V;.Y^'JM
MID5N$=MVAH^E&G]51F:5>L)E(]`,,M#S6]3(SXIA:?9MAE>":]2-FK7X/26Y
M5*2_QJW?<JT-,FA8(E4S2F:#8R`GGKEX)D$E$)56X4OD<&',GMONOQU@6/7^
M48:]!:2,Z@YX6U_BEOOK=CY`)XEU&,W=KE;FK"/C!+8P?%AB,8R3-(G)(/..
M!R<!QC7R)<C1WF?C2VG:<#S5\3$PN<>#<R1,1+HO"0)6PTJUU#[0;11AA0QS
M#G4^+7C<X6-007M=,'-<V'O[GQ])TS'$07'EM+ALZ9"LO$MWG3WCA!E55KEQ
M;DJR!L3;7J9NI6"LD21\-J=7X=ZF`78$^5-.Q$DZD-;*OLJ>TF1!9T^KWMZ]
M!'7M(8KCGAWSFS"(+U2XI2K6DI,ZJ%$2WZX!*/S:E&5+>N40+*EQG)D&E18>
MGF7_`(5Q0R8R'&O@^!"D!5E:6(5X5B[@9ZY89O->F6/ROM%8YH)=^ZTBW.VB
M*8;H7#9M?I\5$Y'WBLC9`Z*X<<C[ER(?OD>]6F])92+YJ4[BV2U3\3!T97/3
MG['QZX92MU!P"4L8&&?C6(]5"E<J(1QR45;L#5I.4Z9,C#T;<U/E0UN_#[T[
M5O!->I70A7@89!U&ZTL=P2T(J42VW;FT*J*I2S4G?+H<&M6693@[DN`L@NK[
MYI"C+5Z?3Q90:*ZI;;D9IU`OF,^?KOC3>?'GH((AJM<DY3T:.:X99B1!56I+
M3\>DER7$(0),@LMX(ZPE-:V-$LN_)\L+XFTMZ]VF]!YJ^)%:Y6O"7I5-KP0G
MS'FH:KSC8ZI5`)T(550SEG/3/S:4:KX2-,)R)EA)D7+D<7)B;VX]/^Y2]NH>
M0^YM0>9$D*RO!:PRJF$(E_'PRZ;.6A^KPV3U2G0RIRC2"G4KI&VJ#.<@35@)
M%OEFR<62I3:?N#C[S>].;WL/-XG<LEW\5N*<GYI"L-FJANH,"+/<./L$[!`N
MIGH$FCTFR7P^7I9,H0D)M]B=JJ2,K<C4G>G]2%:^36G=:V)JV8.%1O`&/6Z9
M.BP/&J-6:PZ5ZG2YNS5#2,&?:38!@Q<H$_9-49T?7K'5A+#DG;CD4?+$P6];
M;7"C):%K+Q)O9^8^(%@K0Y5MK7#9]2KT$43'O%5U/0(:'J=*AR!3Z9+DA$)`
M,-SZ3%?TE2MQ4"E,/*U\.FUZ$\WC4K^H5SP8N%YL?-JG4^,$;$4;#]25'&?E
M&2Q>V3X[H@'9^K?0$GY-E&"QABP#YOT[6X,5DG(C[U[7G48+YEJ8@9T+PF#G
M+7:!5.`P+.0\J@_C)994;G$]HS.[_*4^)'Q=-)&>_8E<2XS)CI=K21RF9<R4
MX[M:GU["DOS5)W6ZUX;A[;2+M2K%R((??M<D-47JK?:[#C6JV`JP0YTU5(T2
M"9^"R2JB$N,F+&#MZ<0.DDE.)81(>]ZA/,=RQ3/&>L=%#6'52K!J[=0FB+2J
MSUR*"),O3:_^71P*W&INR;$*+-2,M$=<8AI*GY,%C?HMQ+32=B^:A7O'0?@[
MWL/!L]-YWR!4_H]`FC1(1_5!?MYWD=2L`JG#3H\37#9>7!JZYG.P_P`$AO;,
MJ*X*'MR/@EP6F8X/<N\LET7X7!/HGI&_',7NC'^=\_AOR"7/H:JM:^3$#]@Y
MA3=//2VU"K+1"=F)S!4!6T2X;TV0ZVA*G%[V'F\3X'"?%6WWBQ\%$T[FMD,U
M"FQ)EJ`#1E7+C*V(EP37.HM;.Q8DB1)#%MUXC-BHAR6&M_;Y"])W[5;UH/-U
M*_)77PF$\>?LL@5SZ=4)/-!5WG5"9'".71_F)T+*Y8S9C=8L9",>U7M5:X2Q
M<F=.VEI$&4^VMS>E*3L*2KXD_J%.\3V^BTVP4`YSE'0"<1^\UF-5;Z,E%;L+
M<K!FHQ;+L;$-29EQ`B0)$HW"=]K\&*[+F/M^CSKKFQ-:&U6"#`&`,`8`P!@#
M`&`,`H0[XO\``K+8[E;C?,@4ZS7]IA%K-[=*1YY!^,JJ+8*QWHI!C8<^TJB!
M/0E"^FG_`/R>%_+?[*Q[!:LQ4/Q!\:8,5F"QQ^JJ'Q:ZQ4AXZ4@A/&B*TP)G
M`U!00^=.D0@0^<+(NMS$0T,:G;VE<CY7$(4D-S)40\>^.$CLRSN4F)"L!)JR
MLE#`,F=KD\LBW;E+.?=WZ^5&+*K=?GOOQU2/D5`DON/1=LNK4O859U*UXU\-
MJ'W35>YT%@H,4F5SF>TX\4(,+I1'XE&@$=@E/F,P8MED,-R"RV$M/%Y3:)$Q
M;[R$N:"K/BR^-/"+?$3#L/,JY-;;?E2H[S:)@^=#DS_RZF?(@$QLN&1'O3V:
MH/9?4RZVIZ/'^%>U-+<0L*LY->-G!M#!`;7*:;H6`=6^$@_:F_@$ON$:<6<>
M'I]W^RNKG\_#+VI'IO>A[2?^Y[DJ"K,4OQ7X,H(-KJ:)\(D.&L%<%,Q;1<H<
M@=6[1.`D3-<AD8MB9)1Z\[*K$#X8*7M1(C<5#<=MIOU1L*LMNI4NJT,6H'3@
M4"N!MR=RD"A;>XX^.YN/&AI;A1-*VQ!BLQ(;33;#*6V6FV])0A.M>F"$HP!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!PR/Z.__`#+O\16`4YXV
M_P"77@?]BW+/ZC`L%?5ETX(,`U4\LO'RV^1M*&TFN]';H@M3E@CVB'+&'R`^
MP#SU:(@HKSWY6M]',KF5J9.U-C17IKHF:XG;<Z+(:]J4BIT=37NY?I^32B9)
M"I]!J`DZX,MHIMFR<O38JK*3?B_E&[9BAH!#M8-94NP*\F7_`*1Q3Z=;EC%[
M>][4YU#0JDB[+]XHZN\CG,C5R9'KH%!HM(TM==1,>)?DOK'(^G?<-/?=(ZH>
MI^N7[A_%KWZ:W-^7W*^+V.!6E2C"/Z?QYO5#$UOKX\!3:X;X^8,U*-3BHP:3
M(\@`>/@@29@LUF\5Z.\6DL\)<8;CE&R8J)',[=U$<DPF75B[C.53P3+<]*T\
MS3+[3OF`\UK_`",H,L'-ERPK]78YESGGMEL->B#;4-77[Y,>YK$DPYON?9:B
MR9$-]I]*D/-B;N\Z_//!&U5'H=2N1[LK-G@42#1`]=AKK5@CS]@J63II2(&>
M:E7TA4A$(>FJ;B1/M8F$\ZT_\\]V;)U\FQ=VA.+AX7C[;?;S>I5K"/.W"QUL
MRR/*4YLBW!9!].XWT&>$?EZ-QI4J"?9Y)]OE):W'4IN;[_QVSI*Q%+L(?3/!
MRT@D4E@YU`&6@5J)1![D!NI&Y"PP'E_6[7T.@4FI&+!=#9I=5!5RYO@TK,/$
MR&VX45W;^]:6UL'*IA4>"G15@6ZU*ZS0-B(_/'A++#/+"^G5]!3Q'G/$()EY
MYWH3C6J8P+Y="(+&I:U.<D39#>IR4-LJP-QU;C^GF7N$FZMR>H5N,*Z1*OEA
MM*=\Z>EFQUGL1/R&(`854+NVU#8^EQT>0DILK!>8>>(('N)0\RDE(^(7<6-(
M\6ND4'J$_K_%;11!YN3+N#TJO%`-A$#;2-M;RT":=:U![+L$]4J*4)R+#$>C
MBFS6R+2XK,N/$GS$K$W:49V?*#P^M7D==X!=SJ[`&DQ:88KZ*?.KQLL@>9+T
M;KM%(&8#8ZZU^MDD'A_4V53-%QI-Z.@(VU"<C:FREZ!2H8B7X2%&>FKN@"\4
MV&!,]3H'0K"#*\U^YDA8_F741G5*\"YX3CVD=!J4HP5:E12LM<24EYEQE;3+
M;C2MN"[M/$YNN>$8?H-\<Z+,M0IF/)ZJ;OMI`E(]L#!S56L7/>/T0J**%*/>
MJ86F&PS?'XTD?*EOOCTM2G8S\-Q'M<2(I45"M+3X!W&ZMB0,GNH1-/KD'K(<
M:#B5`^G[;.OT3R"%Z(?00.BPJS,.2`W<XWW5R>.F.:6`1H?]`W/D:0+N1LD2
M\;3\:K<MB5>X5Q5HY/VOHW7A#UQJ$L[4C+?2R'5D%090%!L8F?'G!P?5I&AY
M%B9I;4Z$VXII;+KK&QC7^`HA?Z>+"K51[',OD2P1*V9]YFNDX%U!"BP-Z7S`
MNIYA=(Z'6Y2K&).<I@/P]SU3QFTNK2_$<VAM6A=QF8_@<@57@-?@V&BFQD/G
M4'FMD`V6A$6`%H"M^/NN*%W76ZK;@)09(-S(46:XIB1IQN)MV.A>G?ADMAN)
MI=O$ZZ7WCG)^=6;K$6Q6FB@NC5JSW6R5206<LHGI?)[_`,NG:BQEV%N>T0`0
M[FPN/)G2Y[\YJ!OZQ3K[ZY"0KK4P)CP?7NR7ZYUNX5>$?.VRFW2GPC'/FY]>
M!3Z3UC]JL,`9AP3XV43K!:<A#$AJ*["6V^AN8CU=90G`W=A4AOP.NE4JHZ.'
MOXVU`Z(Q!O0JJB>5Q7K)8NH#*USD!J!J.7ZG7JJYR]>^;,*2`4Y%E*@S'8>B
M.M,LK4+N7S+"\<_$RU`]\^ZET!8"IWZ+T(ETDY40U5%PD#F9SWE.W%J[$H59
M#L44TJ-Y&HDN1V9A!B)(A/,Z>D_/N1H'+L[#)R_!+Y^C$>@1NI28&Y]](=-2
M$9JL5V)&OKO>&.H!KDAV05<2\?!<^>G5)"G&E,NQI6I"T>C>HZA-Q!J3^GF>
M$NE"]VZ\/MUJ*O-2)!_=1//S%36C7BN2D&?K+5?K42C$S6O&9#C[45Z-`C.E
MTMQ([,>"TTZ*Y=WY=?XR2T_P9M`>37G;'U6O%(]-7S0/6HP7GLP/[J?RB104
MU]@XY-NIG4ZQEH5%TJ;(93'BH?E[^&.EMO6EB;D2#BGA#&Y!URN])=M<&UQP
M-/%"XD:5&N8F:%LXJJ3*(X4KPT=?-4-(DU5YR]2&IX:;-9E*=6U*TEW260<J
MJA`GOT^[%8"W2S=\Z^-MI6[B[F&@%2-,,SY\)%CH_?*0,-36CE\,"(1,2.[A
M\?TH*($%_`+VEN.VN8\YH7<NPN7B_B[;.,73H5L&WFGFFRE5M=<Y^Q)H4Z`7
MAOV?J5\Z_LCTBP,6U^1=-P;)?'8B41FAN]Q(^W?=I^2YM`C=2C6?TZB7Y?%4
MR?T^LSZU"@UDO-FN\U<W:B=Y$<?JG%2T-XF_;Y4/]E).NUI4]H$MAR0R2?3[
MYCK36D+%W]I=]1\.X-4ZKOIS-G&NO(Z<YT"-`9J4>)(BP5D?**>BML$T$EN-
MQF_\2*TZ6E&D:^VN;^/_`&M6FAC72ANM@@P!@#`&`,`8`P!@#`-0[?YJ\BHM
ML73;&/O,0K'*]K%3WFP$-X>+7POG`CJUDED9.C"51X=BIIV*\$5[%*GN.?&I
M+6];W@R46RZ:7VGF-]&64E7[E7W=T=M&^@0GC(I,N@R=0WYDV';MLS'H8ET5
MN%*9DN;=5':D0I+7R;7'>T@2C14M)\R^&WF87^W6T,P!B6Q%+`V9XZ"<A7$\
MZ@7MJ#7!+)!=GF.J<(.)4KZ'X6TPWU*<UIM7H&UF%.>=?CS%H)2^52Y#+TV*
MK]LM#U=%E!0&R_8JAJ[1IY18BX3:_-3"EFN?DH$7:&W');\=Q3"'&V7UMB[6
M6T'\C^&'JBN\"NHTZ=6V(#9&3.B&(\C<9ETK+!--.Q&MJFZE/'(+T-IGXOF=
MDH^-"5*WK6Q*-'-S'R'XKV/85GF_1:Y9B!^C`NDC@D67M@_^3+'#&D!1F6#F
M(CE("7(9J$XZT\TA^.B;'4ZA"9#.U@TUU.0=Y"\,+?F/[;UJ@3/RC-.#[+\-
MG%[^S2:T++&CWUGK(U[(XH4`GO//:]64H@2?X?K'>T@*,[3O=^-,4ZR=!=Z9
M34T>H69^E62UZ.0U`A-OC&H=:?K$@BAQ4=1Y%E(L#?I$;4_LBZF-I.W_`.3P
M*.M.TB\GRM\:X;")4GN7,FHR]516I"K:)VRA%X#OV.JN/.ID;0PT7KL5TBA:
M]I2B`TN2YM#*5+T&U]QT!GE;Q0OU>Y\F@W:NOE*%6V#EE,)/"MB1Y#ZN_-E:
MRZOZG3NC(`?S4O+F:UK;;#,*1I2M+COI;#:Z5.R4\LO'(/8!M9G==J"2I.QO
M51O;$Y4L9#.Q:6;Z#+AESD5IX*%3#J5>ERWW)4AIMC3?L<4E:M)V%&92X>1W
M(:71Z;T$G:X[U;Z.8BUSGTR'%(/HMEC(C2Y,2(A*;AJW$628!R-(>DZ9CI4G
M7O6GUUZA1UH1"F^9GC;<*)4;ZCKE$$0K;5YEI8&D;.)T3'Q@P2N';-%F,-2%
MJV[7(UM&)?6C2FUJ(1/B4OZN/\H.+3H6(UW_`(B]7E6QOJU"56D04$G#7YF%
MI'LPG*V4N"7GGU2-)9WJL!)D[:5^BTQXKJMZU\:O0*,@E&\N>%]%Z@[RNJWN
MN$S4NL@K-5)<4V.?BW5HH0Z*,+C*^TV]N2Z7J<SF)-LA'<2AYI<=Y/M]T:1I
ML-K2J7*.Z+1BUT.<Z'6D-+O-:@12INK-3$?>8`V7J/MJ<N&KVK=BIW-8TZMO
MWZ85(:TY[=NMZ4)XE7@O+'QGLY26%K_=>8%RL%,I4N%!MXAYUA,.9$@/;5M,
MGV;U]7-0A'IO?R[TO:/=IIS:!=K1%;/YD\7J-U,T,L<:^]Q62R*WMB8.V.N!
MJL@;T>N`"$;DRHP`!.J;7/9\>:Z7ECXC,I/QJ=3M*_:+M9..Z>1?,?'ZM%C5
MXL`YHQ#IMSNPBFI(PH]CLHFB!G3=@=%QI+K;;46%&;2ER4_MN(TXZVE;FE+3
MK8B3?0^=>3GCW]`,*N=BH,<68!VFQCR<RPPH0YT+2$&7+?,=G2ULQ8GY<:KA
M%<MMY;;K*!\I2D^V.]M`49]!WE#XZEIU?&#^T\Y?(6D:5+@H>[0-9D31@-^Q
MQBTU3;[S2H;,"34"K;FW_B]'!LE/[K#FDA1G;I/D#S3HA6PLT^PC#=8KM$`7
MV5>8)&$[65CS-CZ+6IT)4GY=.PYM<F\VF*G:?2WII+B-?NZ7K0--=3$Q_*_Q
MLF!PI^%VSG<X39'CD<!,@V*%,T9>KL"(3+-#FHRW7Y:FH)&(XU[$[^IU.BZ9
M^3<J/IT-K[CMU;R>\?KE7:Y:`76J4Z)M==(VL']>9C!R,H$&K=7MYN:X'+*A
M%8OV.LW41-FH=90Y%CDHZW$I2\C>PH^A%+CYC^/M8IMDM8KI%2NLL%^;HL&K
M5>Q"9E@LQRE@=V4T!`1E24IFRV0OMDZ=UO<;<=Q+WR?$K2L#:ZT+XA7:LF*I
M+NE=,#;'78L8W(;*AR,!\;,_+[\Z(31%*N261:D,31SS.W5/)82I&][7I.MJ
MP2G84_!\LO'>2),DY?7*$,>JPVO$+>+>M8&=/J[UF7`C#!4_88@3AS2CA(I'
MB::A.RO?)D,H1M7SL[<%HS*5KR/Y*<KI>R$KC7:G%!V"[@RC-C/"8+T%JE%N
MA17"TO:Y6D11YFO\S*FHVW-I5]LC..*UKXG/:%&5S4O.#Q\L8F?82MZK=+K2
M+6;J5?/VBT5J%#MLX';^C5*4\&AI*+,LQT_LQ)3G%RHL=MJ&TZK:_6)-U'%V
MLO:I=@Y;?+-;*72[_5+/;*(ZEFX5X*9ASRM>6N>0%:42AL.J=99^[B)D/;GI
MMO4R'(8WO3K#J$"498^"#`.&1_1W_P"9=_B*P"G/&W_+KP/^Q;EG]1@6"OJR
MZ<$&`:D>3X3L1BP<&5QR;%%$H%TZ"_82QNLV>VU2$%?X?TJ#%180U7MM*E+^
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M=AZ"#$J.=PI`H]U"O7J`,#4D61J51(I\ON]G;U>!\NPTBP#!I[\E'07M05ER
M(SHJ<T^W$D-QTK8$JO`V(N=C\N;#4_%U^NF+M0CMAY;2#?;%5_F55+26KQ8.
MF^,]3LHXQ#MU9L#%6<`TB[74HB(RAA3+HWYWMKCP76'!-*LIZ+UKS<.V^M4U
MF'U6KKD4JE@;?9)O)!4R&P8DVSCC9/J%?2[R1JG"9T^NV&QQGX4RP$DHEC9;
M_P!C@QHT=QT6D3H%.X>;<0R.!1@/5VMB*=8@UR,R.11RB)T,<7E[B]CJHX7R
M)%?5=6JU%7ID0H_)T7,,K;CUA,5R*Z^%(^!#P7>/.6Z?F*30[)8RM4A5?K</
MGUG*\7E-V'H::[TWN=&B6&57A_&=U0'T^HOUVLJ4-*&J_'?A(?4H')>G(5%A
M6HHF-TNOG_4X:A`.S6TQ'(WHH.7T*V\F@*75!HVY>4=5I6W1'+N(72>:KEMB
MT*@S#3C0%Q[;1A;L>:(C$6'H=(MM?R\"Q(17RRD7FAR+Q<^N0*JONM=,&(]6
MYH`B#(-9F=$\G*,S0YRAM#)EYO-9E?$4>5,ES5N38_U39)R=&8?UMD/+^8P'
M<"'?^P]HMW(D`>J"^-0[[Q-^8P_00QD'*8IOD5XO$9)82:*\<<JLZF6VGG;1
M+G0WSUFE;C!)"Y#(IN.N.]`J)5[2KX7)^S5.&U%@T:V666W:K_<9)DUSP8@@
M<,VZU>9R)2[-^60%?A6!E(XH!>CJD,KD:T386IU?SM>E%4UJ9,WUKS6.R;9;
M*Y"[<(?J]EZ,_P`UH9+G.U#S9XMPKJ\VL\ZZ%-1Q*J,&JW6>AUL6W'G0-S![
M9*8U'W8"7SQEZ%I$O3B'6_(<7?:A'Z\1O71J4>YE8"3<NI\?NPE%6GL=,-0:
M\5Z4L[X]\R*6.SGZO-&06VPS`'<%T?,EO@G(4E!&.(TNP]*<&`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`:.]2\)*-UV\=2NLZ]60?-Z&8X+,GCQ
MC0=^-6W^.F=2[;`'[>9<>0GM=#W%KI]+V]J2+CM*8]J_QV,E*BH9.B^&U#H%
M'\@*"\;0_7^]P;;5IAAD:H;<1%5O1._3DUR582!HU`.*"&.HD_M.VH`]EK<C
M^48??=>>>!R;:?<0:?X,FCDDG9+!W*?-Z*=M@ZU$;\,Y^*KA4!,@/#T)G\V2
M&L$>32;(V)'_`$3<YR22:<C29+,N-,C2'8^PW?89&P^"8JTU6TU<QU`][#VW
M(8TC`K@2/*"`H\[R"E`QZFI3D^*4FBV_(&6A<AQ#;4C8YE6V$?(ZG8;J'RQX
M4FW+0S<#'<BD\S8K?6;?UQ<3G]<%Q[[*HE@#&:5"`LIG2MT&+`B`H\6<IE4Y
MV?I/R:4PK:M*#<2+QZ\-@_!KP]>UVJ)=S,BE@JRHF3JKPX]#)"J1S/G9`B((
M-6F:+%AK%6>2!ES(#8_;RY[2W?J]L:8BL`Y55"K2_P"GFN<%F"A_<C@R0Q4)
MO)*H0W0ZW.77N)S:YURMKJ,J,Y-:8/V]B-V.>ML^[\:??#B^^"O_`&KZD7=X
M%SW7QYL\#@(GDO++.Q'L`SN%(Z:/M-A%P9K(IIGR=$=PL<AX)MR-%+I#CURV
M6(WS,.R]-(3IYEY>G4B5UJRLI'@:*CU)-2"=?,B3Q27=Y=@.R*M6R;IL-T_F
M-=YAUN/#`/.,0QDDVH6T1'2T;=0%E.H8VU*B[4PZ&XPTG]/>4PR4C5ONID#&
MB##-7YTR]S^M&/R33;/KN+-C%D7I<YJ3<C+\+O))N'/DK83&4/A+=CR5_6;F
M!N\"R1'A\0`5D11!W48Q&A52[VRW5&KV_G`:S16('2*ETZO=)J%N6HT.8NM?
M/$>ISID33S,=V&VA,5Y4QM2MX&XEC'C*1:XESGDCG5#LTGSRTHL<:XDA:RRI
M<)R?9-/U)D47.SR$6L"ZS:'@X=#Y.9*'0XL3Y7Y:F5_,%=:D`C^"X`;N?,#=
M&/P36J]SD=7B+X$'.CA#O*6?&]ZGG7QR],H+1D&_&D5)F0=N,HDM39+*7&O1
MIQ`;BNK;X$$T"#LT9U.SV%^;,*=/,U@=5:2+(W#NKT'H"V+0+,F9K8FNUW1F
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M51/<8%J:%AH\Q$<&IF7VQU^`K;DK49(UIMQ+_P`KJ\HW$^Z7X@!;>1M,BEW&
M7SH7TCG5VYCU$,T"CVIFS@[C/+&]%`\PP1:EU6R##QV8]\J-R84F/(VRY%]4
M,.L@I%:]%_3]'=%N!,]/[%;8]>*E>B'U5%X/!(P0YOHD'K8PI)K2GY[8T0S)
MA=9<^OVN#(F$%AX&OJ664/,O2@4J$GMG@C2+HUU^$;NUIV,[,:25L,6%&%1G
MX+'WSLQIR"-F;9=7KUWV:4TAUQ*]HU"95Z;VIS6Z-WYB8<M\30W.*S?@GYBC
M29_2>>:HEGG@:VL!!DR]E^D$Y-Q^WD[#:R#]C*(Z&I$Q<B>\V\N$A2=-I5\:
M0<JE9:\!J%KJ5<Z!NY.%"02!4H1:O'@S<^+*"5"H\DK56GB8PTX&;"V,78.,
M1BL4C*8)1VY+[B4Q??'C/,AN=#&*_3KJ9$I23UCZ78RA>I!>(`Y:H((0*&'X
MG)VI8.V:DP%ND7X6NU4.#7PEA2U(WKZ>N17(_P`:E*UH-S/B-^GU5S56LH&S
M]6-VX;9.#V;QHBR(H`((:C\:)TR%1`(J2H7)5LI8PXAJ6J630Y'^X/R][2Q%
M0RVWH-W\)LMSWDMTJ=1L?*CEWAV'F42C#*#S-W[,Q#NP4,RS:1TG5IG1D1PY
ME\979X<=#<9CM*>T*7)D>YZ4O21&^WM*,UX+PA4'F[]2ZJ<!VWD<L\8HI^?6
M`IP<P>/EJ5,F2CU=5('M&1[HJIO0'([<B*[M$]3S;[3[##B1=Q@;5X`Q+22,
M_4=F/00UJ*6.X6(/&J%<<ES[\21VU(<]!)RGW]P0=>>[:\\H7MA[4MP9'TX_
MIIV0TZ&XRK/@?!FMVB;:>KFSEFN8KJ,,^8AU,"$A;G=4C=ZCE)PH,AZ<F`P(
M3WJ6F(RM^0M38YC3[KRW'W%AN.YXQ\(O7+.T=4*&WW8W.X=8:I?*0YEZIR;,
MZ)E]8ZCTHV9D2JS,F29H-V9=V6(3Q%,.=[6]MNQ4N-+ES0;JC?3!B,`X9']'
M?_F7?XBL`ISQM_RZ\#_L6Y9_48%@KZLNG!!@#`&`,`8`P!@#`&`,`Q!^O@K4
M%)URSAA=AKYF([`+A#4"*3%$X3^O:]$GCYK3T65'<U^ZA:5:W@'P`KX&J!1M
M;JX437*\&B-0!`($.B"0XN$SKT9B#QL!EB'#C-Z_[J&T)3K_`+,`S&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'DY;H/E%7^L^5S
M/(VNPBF[8KH%A$O;J-4?H;,Q?)^!`><VSEYDN#F-&+VY;()UB5#FORV=,Q'U
M28B&6X*W1FJ4UH8+K8[S8,D.G5*B1KM;#0&S5XG58_2`%?8Y,VJA=[\?C7";
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M3J??S&Z1UCGU_P"..5:QW6MTXF;HHIO=+"ULW`L-VLO>N04Z57^D:,BBA`54
M)?/+&63'D1=Q/]I<<4E[<UJ`VL(I-%`55WS_`"](F%[%;.D0;>(>Z/:)-8"4
ML%!VW?:W6::Z'Y^^1MO/A\"T\Q.6]V>Z+^QJD,O1-.1]F)&M:VW"^6O@6!09
M_FP1NA^9<RMYV&&=UM9"91P=:$A4OU.JU[R#)U.N!;Q;*+!K\KG/0MCJ%&]X
MV43DQIB'-RB+#LZ7':H\OYB2^)&N_6>]A+GV<!>8[`BN=RKX,I>0ZQ1J"%M3
MWBC:1``BY*KM.(DEQ[1`M$6-+>$P_J&A:_C1].F.I82I2B+.\J;3WD-=>""^
M-5^]28$V]@9MS.UJ''+UQ0)KHG-P]DJ]O%[K95<2+.YX;/$6B,@@)B14C7=-
MJDSUPVDB*FM3165U3S'/M](JM,NG5=VX$3Y!(Z@[+I``RWS(K;'/*N,8=Y%"
MI?/;18+CS35JJ%$3O3<,PZZ&^56I#29$Z0S#*D2Y.E`?+PB)ZHY-MW;]P"9L
MI.BQ><P:X(F5\+S?L7CM+`+Y:V)KSUL];G0YUU=?B2GR<HK&9^G]NE---K$\
MO@;'<?Z7=A77^I<_Z?\`GXLS:NK&6..6@K5"8*NS*]%`V2R3JN*"/5D6X)$<
MX"`XD)^PKF$!EDF$(KK$A$QZ5"C4C6FA]O,^Z6ZH5GDD2HG^K5]ZZ=<F54J[
MQ6KA+=T(C"9XEV>WBA@D2<`V1K45=NJ8QZ8ZS%4ZB*PY[UML;>6D(JIK0=G>
M<`YH83*$NN+LAHJ;5!`TFK4,K3QO1A0#A46B5<XXBNS)8SAE@)$;Y(,E),O2
MDN,,ZT08^."TY"^4AL$IY4U+H'4.KRJYWL\<?'`Z;<8S'.P92'J4*9\VE5FN
M\9&P1$6?9.>A[=9Z#*^X[5*0VU+:>DS/9]U2S1I2GY=AE;I8/-A=-/-#"O9Z
M_P!)=O=/'V24WSZ*9I-4Y<[S.QR:I:.;M5/G=PGVP[-ZCL.FYPFVR!%CUF,;
M9@C=,RD!Y?D>A'!H/3F!%YG]6.GBYXGT^\[$1"D(,-$AJ>.-R155C5."*'1)
M35>("(;<QI1!Z;/6J1O;CV]>U"!BZ=AH_P!^Z9Y$B>]WRB4*U]*'V([3^M(Y
M#50-<HA:@D`@7QA9L-6L,><4`3B6^I#^^R)J?I)4K;+D%$)+\7<5UE;XR25*
ML[UP,^8%8Z)TN!6I78[&'J@Q[<#;]/J96JE>>UL?QF16SU.+Q:[$DVKLEJ(+
MMZ"PYIQ;KGJZE,..A`C;@>6A!&NM^4UNZY,!@37<*F0CUO\`,;%=(\BKI2K5
M&@W&]^7\2#:[\'2&6=5>X%0IE-D`@2R,>5/>CQV-,.KDE/8%%0WE\6^D'+;0
M1%3O8VZ#.I4^KAIUW;N<4CN=+:.V*[AZT;=(SJS45(FVL73=F?M3X^&4#P",
M-J>PT^OT4,6M?`HOML'L8/RV!W7F87K!#9'G/%Z\U%K@2N/\FM@X!U7J);J=
M?Z/9B\&1(K)87ST]\X)W<J`VHI*9TG<E6U,Z%5*:E)<].>=%E@"BY)SL0&#7
M[,>L0X(7KM:C$;'$DF_$AZ+3[K*L5#KIXN%"LVCI<5#L:"%5+;@..LJVQ&@.
M;%>W\OF=KEZ?*_G5%Y@#.!NE1R-:\BH0TASJJUJ"U5;+PPV3(L4]Z!T",!L6
MJFS51,Y)JXZL"HFR)6%+@,3(<1\6MP'M9ZE4:XA^A4ZLWJO)))`VX(/L(79<
M9-"DG116.B8/D2A1%IB?`7)B.H<TV\A#B4JU[DZW^&##H>6M_->;U7H_4)`S
M?:K(;M90Q,J,H4%J<B1S@A!Z5Y'HJL4($KM#+%SE5+4VJT6"[$?;<_A%F9TV
M?&C*(N;&:VU/O/'>40JPW,[!B]GGRW+-:BQTQ*KH"QG:73;@.\2I=C'\`>*A
M)3:'(M:;N>QPB)N<WLV-^)UI^0TPVL7R^'Y5,\**^:4#<*]*UV>TBPE=(PPW
M-Y@OG%;*W:NN!?*8E7R]M=E51R2#ZR2B`.;M2M[TU%'%).T+'^LF8QL3R^!8
M_B&.[>3N"KKV,9;URD<_MU.&6:X!'P)<F$'=JM!"F-$H$\373")KE0DQW4KF
M#8,MUCV+?90]M>L!TI1=YZ&8,!@'#(_H[_\`,N_Q%8!3GC;_`)=>!_V+<L_J
M,"P5]673@@P"MNA]?YOR>*]-Z':H=7B1ZC>[X[(FQB+S::IS(.P?O);2H,.5
M[M``TE,E;.O60ZUI6V6W/8OVBI-]",P_)#B9"6J'$OPM;GTE?DQWWXY*`.GO
MVRL#[K60HLN0A1!)2SG*D5CD8XJ.\X17$=TY\.D^N]!1E@U.]5:[4P#T"O%X
MTFJ6,$.L8TH^K4-&A92"P0CKFHD[;6/D-QY"?F:>TAQE?JE>DJUO6"&=28$K
MTUM!0<K3\W0UG:9L96GB.V52-0&MZ=W\DW<=.U_%KU7[-;5Z>GXX!R,$ATE[
MZ>-/A2)'Q+?^!B4PZ]\#4A<1Q[XFW%+^)N6TII2O3TTXG:=_CK>L`@=>Z]S>
MV6B74*S;@IXS#%J+.:$SH\^`XRQ8[34B$6*2C..PI90/8:62C3HK:U/PW(^]
M.I1ZZ]1:$W8,B).H6XQ4;(T24\D=MB=%=U/5'2\I],+;;JM2E,)CN;7IOW>W
M2%>OI[=^@A5%H\@N8TZS&J:>F6]JSA0*[+]F'<OZ@=EV$0Q-K@X@_1-`J<2;
MZ-("3;<,02C@%$I`SZUK<I#.M[WH6C>IVN<]WYAULC,'\Y-E;2U!#@SCY^%3
M;LQ2UP['7ZY:A$:'?)]=B4H@;D5RVCIBQL>>Z089DZVZRC:'-(!IKJ32KWBI
M7,9!,5D^/*CR;<EZ"ZTXIAZ0S#(O")+R(<M$>;IIHDPIGW;;TG:]>FM[]=>H
MAF73(ACY_F*C6?IE0T2?EG16_IUD5Z;'I?\`>[KXE3W-Z2SI7IMW>_1/KO`,
M.$O-*LHP<:KMNK)T07:2\**"#HPA`),KFH&(=@RXLIUB4VHBZF/K:%*UM]6D
M?][>M8!F=EQ.E>S90=I?UVQGMW-C:5]R2E*E#_;MWU^NTE>M[:_^)Z;U^'XX
M!4%V\D>)<^IM9Z%8K[!>I-QES(E;LM5&GKZ+)Z&`CEG+$$/T059/IP06NUJ?
M-G$7M-P(4:(XM]YO2<%2;T)U9.C4>I50[=SEF$QZS7*R=N!4DQ,9G);KE:$Z
M.FB<=F&M]^:S!%+0\KX4KWM#B/36_>GU$.Y7KD"L8$(?8D?;63D('+9'&5QH
M!>$]8A\4F+%%(&Y#BH9EZ--;_P!FVK:][5Z)]?PWL#[Q+C6YI&8,CDT*?A*%
MM*DN,R6!4N28=)L0H(DT^RV(-$=/"'T/1XC[S\92=:>2C:T>X*&3^]AOX/\`
M\V&[VN;L8A*9T92G"6F?J-CFTI=VI<_X/X?PZ]7/9^/IZ8!AZA>*Q>JT"MM<
M*,RP]BK0"W#U/>L.8@!9QK1<+-GCY/QS!VIL!W2])>0A6O16OW4[]!6J:,6J
M\U.D#TE[6;B!`Z79R)AF9\J0X=D8*(&2)"P%$-K@5X1`@#'5/39SD>*VYMMM
M3FG'6D+$/I3;W5K]!)$*J58*1A-@LE8(;;]4.QRU5L)6L%FULK]'=1]E0K^H
M[WI\<EE*76MJ;4E6Q:4*SZGY)\KY#)%P[24G2Y1@%9K#"8KL!1Q2H-7.UFI2
MVG%Q7=--SB%QN0P1#8VKWO3Y7M]$H:?<:!)LM07<JZ5'1"39!(]N9#3.1$.L
MOU\JQ%7.V,2[,$&6X)*&A9'7P)4XTE*W-ZTG:O<GU$H=@M9@P884+29#TJ*%
M=;CDVPT&<?(19#JXR$QU"@<8@37(UJ6VM3:65+2VKW[UI'JK`H=U9@2W"($5
M$X'T`E,I129J6PJ./U"9^IF?6.I6I$;<6/\`PW-+WK:$_CO\,`HZF^4G$>@&
M>=!*C9S15_K=;7;.;$]\]Z0/J]P!LA7+#)>$W(I48525-AB&E.OPW)K<UCT]
MBVDKWI."M-=2\5F!#<E<-PJ-;EMR8L-<5<Z*F2B9/:6_!B+84[IU,F8PVI;3
M>]>YQ*=[3K>M8(<KA(<SMC3T^$UN4ZRQ&TY*8;W(>D;]([+&E.:^9U_?_<2G
MUVK][UP"*QND4<C`#%0MC'V0;8#&@0J=55.6F+)()).AY.UO5YLDB-!'$V5,
M2Y3NT1H;B=Z><;P6C),R7$R50TQR8Y]1%,I8]+,V,ZJ<B"I*)JH>D.JW)3#6
MK6G=H]VF][UI7I@AD<`8`P!@#`&`,`8`P!@&GMN\T^9TWI\SCY2OWER[1B)`
M*S%B#!#T26;W)Y>U4A3,A9UA7UG0H73M3`Z5)3IZ*!+;=VRJ*E+HRVMZE20?
MU&:!`%T/\PTV^39MNE5,3$,"Q%8%P;$Z0H/,+U<+%6ZN]?#EAV+J<7KP-IP=
MI<LK(D276X2)J(KK^Q=C/M0_/?3U``2[YR:][Z!`Y_$Z7?QH!=$^WP>80*97
M[=9NOCMNWIUE5;CQ3[7P!=/N6-:UZ;U#5O\`A8)M)7:O*_A=V<HM5M',YUN"
M7"T4IN+,O(6D?D.M2C]U[#3`5AL)>UEU!0\I!CC))(Y._P#;)\J=`BPDN2Y/
MPH"C70^>2^?W,NR'*((K%/NXZ%T&R$`@&SV5=3#521%;JE?N0%V,<797HA*S
MVD-9651JW&V[8&MPR'SQ6M0G=[!QH7?WBY\]YMKGEVN?.=7DLU<9`2KEH@2J
MD#%#U^4K-<K5;F"MEFCG@@H-3Z3.D2]P'5SI.F4,LLO.+0C!%5FM]8_45H-Y
M#0BM4YGTV7'7(K3=CG;:HLF#2!G0;-6*ESFS$U-7MAJSB+"6MC.I#01Z=)&[
M@SV9267HNT*%VM=3NB_/@!(&5+37+>CV<I>5BZ_SV:&C48&,Z==(IZCTV]00
ML,YT-V13H%/M=\BMOK,OMMNL-251'9FF-*>#:?=SSIK=JMG/:701,N.2NK_&
M+"W.,R*P6CZJ-]L/,X5J`%AU<M)`K4+R!&]2'>V.0:1IQ2G'6].,H;6\&VFO
M8=KNOE-:>+]UG!BXB6CD55Y)7KJ5E"P@(^7LQ^P3NLSYH>$B1=J^6$2A]<Y"
M]J$]N,Y#7)F+2_[OY';8)57C4C;/FGQ/D[#K2N+E^=%#5CO[W0:H`:Y,U9Q5
MNKU>=L^B9\-5+<ZNR.7(9':0T7CJDQDRG$L29"'&W],AM;)7*\UD$`]N9#<I
MOX.S42J%[5T9)QJB&X7+AJ6'7JE,-Q`O2(>KF]<$-*7&A@YK[C*67=2G(RD)
MTX&W4SE,\M(/3.YC.75`>W&'"+!>0ELG2)H"PQ3<46!E3ZJ;JAZJV`L+1'E$
M`T]J7'?_`-JCJ9TAQ#:M_@#C15(48\H+36.V=)KMSHI,\$K_`%`10>0U<(%I
M$LR8)S@/C:&9L\.VD.@0&0+DBP>2:T34D(K"T"$Z^+:%LOHF!330XFOU#JON
M&<*R.&=KC!18J84'DVV>=E=GT["WZQ`&H(H)?B9N(DZ$Y78):W949EH;%AMN
M3%,Z?UI`NSQ1L-T[R,JW+^(C>X$(+9T,5%@R@\2!M]#=?+(,"E&]QJV<FV6%
M6;9*:%L/O,(&2Y6YR&MKC^]KU<2,4JNA3:?.4(6D?::MR#J!DU9B)</R2(IS
MG\!/4IE<G&8-HE"US[O'161]=:!OREJ.;&N2XZ/2.AQS>D;%VF+Z#Y']5">-
MWBOTX,(BILO8F^:DNB3HXH1*CU83/XW8NM7"0/KANV@]2]//5=<),9J<[);C
MOK^)6WDMN:!*K:(RUYI<C#?FOI\_C)"'<(E5E18=X>B\GJISK0RFVF)5+D+J
M\XC>I-@:B@;"M#D(03DHDS6]>Z*A[33BTB[7TKH3Z%YTU@S/A"Z_R3J18A;R
MSX+D;&W*"/UU4D+GHB638I<Z[-:JT&N17-S'G3FAVWXK+VXZ'G4):6)M9!;E
MYMBZ\IX&'!0U=./N66!'.JA5K4*"_1^H6ZOHJUNKHZ[F;A"<9JU>)O0"#_M'
M3W_5V/IK3ZF&PV]O8;)=H\D@7%;/5ZZ8IMS/Q3@EZQ'K-7FZ\X%HU:9NE(H"
MC1]HJ?%%YR?S#T&"KZ<;&FR-PV93WM]64H<$2J:ZUKS^#)&T2L&:,?NG5[-0
M>1%$"^?%*`Z,.7;H">:C30+VD[Q'71-@#?3Q[SK)M<9_[?MQUM+ND-Z>5+M[
M>P[S?Z@E*.I%/!*3T`(',RJ&X#M%@!5@F.LB#<O@\ZT5T>(%=!C&QA46![X*
M9U.EH3#;FMRE-HF(C(;E"[3N"/U`JF72$:3QKKT4K,D5*590C^^<KGTBI7YW
MD"*;;SCL:_/#IT,HCMX5QZ&.?F3X:&9_R->L9&GQ-OB3/NG>+OS+MW/:W%@;
MC<R>I#UHMYIL4#.ODRY/L'*.8AZZU$D6ZOGA>F8MWD/?61X\EI#[S+CFG6V'
M([H)57B0>+^H"$D.BEN\$[-!%S!00T6+S)7)TQZU!*4NB]*G:*Q6.EOD9$D#
M0.BC)LAN$S*TY(<<B,*>>;WK)4;?$VEXGV(/V^HSK>&$$J^S!M5BJLH&>E!E
M647/KLWZ.1%LP<22)/U0YO6TK=%3]LD8B5I^9I'N3ZTC5#6FW^?M!JUGOM0A
M<^O-S-T(M-CS-4POS4L-F@`U9ZQ:;'8DEW;W$'CUU^'Q8XQ(&25ME43-Q6%1
MTN/.ZCB[63GC_DM-[-V8]6P%4+">60N?DSE7M9Q@0T]>#`#IY[G)\@'9@'IY
M08&@$JZ^VEDE"AR'T*:D(UM#FTH!JB\3;S!B,`X9']'?_F7?XBL`ISQM_P`N
MO`_[%N6?U&!8*^K+IP08!K3Y+<)(]T&\P@BRP@-^3^KUJR6K[O#E3$63F#T<
MB$Z;0F?I7&U,NW.K%'(VEK]64KTG:];UK!4Z&F03]/6Z!M\])$K'S6\FJ+=S
M1UO=F#DDQ7`4>WQ`'-VQ[[PXVZ-/4+@U?"CTO):W]07';TE;+#WRM#+<BVN?
M>$+-,XH7XH_^SZ552][\5K5+KL:N*149D+AX_P`?X_089``['W"F/]`F<BGO
M?RC:T/[GM[E^_?R[V(Y:U*+C_IMV@%$K0VL$^1QH#%'K--FI6"*C/R-:8:>=
M+-=[YU&'#W&7.NL)Y^F-"?>5!?<:?;4Y/;3'5'DPN]=M2W/''P8E<+[#7>A2
M)E=GCP/*JE58"ZY/=KFP]B@<YJ-&N8M%8CTWW6.J6P[7)%E^>6=9^,R1?>6.
M<E*5-50Y51&XO@,?&RBYNN/\=J5O%W(H<YM:A]-V0D5^$3[YV;L$V9(@;&"D
M19IT-T^(*+0([RXQ)L:IM]]R.]IML-WV'1Y%X`VFI%0UHM\_F3Q\!;ZK9ZRD
M5!>++I30_LG.>C6Z'53.JE3(XIRVAJA/BR-C10F.XLCMI;/P;<]X.2+9[)P+
MR%M?7KEUCE)[GM%./<E*\BJQHE=NCE"A`3;K1SLF9.Z"RJ\2J');13PU=,:%
MS0T,JHL1F0GBB5L04QE")JE'WD@Y+XSF>==GKE[!@*#RRD`>1QJ$8K7/KC>K
M')Z*6CU_G%?KJ[A`/A:]7M1^8"Z,[#%%?BEF"$>2G;JH:?G8?!RJC7>?^GE=
M&8,^P5BW\Y$=='VDA=:3T!^N$7Y8TR"YV%@\R%&93:&RL^I!>IUZ,5GCDNZC
MOQ5.>Q/U&]*P7=KX$;%?IJV6F%R9&I%ZF6,CKU6+%SZ\7"R39.@XJ*\MPCJW
M\N7S$N`Z!.K<*3*'C&RIB5[X<M2X,@#*;0_@;SNB?TS&V:_/B3A?#XI^"&L%
M=J!<94G'5B8K7)>B4"FF6Y+@2#*$$6+9:XECD,1M+3$(,K<9>>D-M2-AO^)]
MZ?\`IK$PS1B0?,TZPVA+=L;$W,Z](L<XB=(W_F5K!=-V(530#%*Z`X(J$^(4
ME,R3)*6Y(84HFXTC334H-Y?XKPPAD.2>./'[BW6X51XQ:;K+M`'GA2U4P7<Z
MP<H_4:1"@-.U552G1$6%J\1Y1P:XI<&2E4J,XN6VK2W:3=JV:[V?]-8V4'D*
MX*_8G'$V():8Y,Y+K$U!VNSY]I\AK#]MK@]@0Y!G`^DP.R#1EG7(D1W-00RF
MTM34N14PQ=Q\P?TYK?73TX\`ET*;96>LL6P!<C=E*MCXU(E6:\&B`8ARF!S#
M[',-BZK>Y=9&2W#+Q*!$3'FC"0A41B%@NY&-#?IU=9A0F8T\[QB?"12Y7,*S
M7I\$O.C\?KCQ@K(K'1JB>@5&N_G#MG+1#K3(PW(%A9I1V7*=E2V9'R2)8FY&
M9L/Z=O08XNHU^@6+E`('$@\QF6EM`%T,2<Z113S1>=U@>6AU<N4F6$I"T_%>
M::?#RB+CT=Z604W`;B/`I]Y?G$_$(]0V>Q5*V3J@OG'5^0T3GQZ"`5*)V*PV
MH-SQOG5JN;Y@K71!:JB)U>B1H\0`B>8'L.M+F1]P7)$AAT1RK\37)G]-WIQ.
MLV<9>^D\_NA2U5X^4)I*`34D#)ZQU7F/1JYW6P/#B&YR%U^YWN742,-G:%.1
M(PF3K>E.+:]!=R-H>4^),Z@E[T=B2:70YW2Z%U<!9=\T&O0Y,.R]!ZY=+_7#
M#!/8X$X>USVO6Q(P>_)98=;U']&4,,J^/0CE4U\I?Z<4R-ZD+@)X,S*V*K@.
M/6:[4'2M5$L5@]XR37BXIP\#BRV9]Y9X:3G%&/ATAN<591MV6IN1,?%<C`'_
M`-.;H1,$2K$J;R>SPB%^B7Z99)LDC7KP7"N4T[09?$9IJ=SKH<:'S@)]X3:0
M\E+#ZHE@8TE`]MW:2B`W(V)I?B7=JQR'N_)8IJI@@'0+U%LO/(3$XM;"(*.L
MJ(-V4E<KX0KU<M=K+6DS#?DH:GZ)2!:7-1D$9$5+#4:$W*J9:'BYXW;\=H!@
M>RY5D1352Y<.(1ZJ*6(CS[?3P907:[:19^)E$TG:7Y3"URG-*EO)83\ZU;2C
MTHDZG4X;XZ63FQ^@EK;9@Y^+S'C$_FU0@C(LQO4:P76^2K5TFR/KFIUZH*"Z
M[6(4+2?Y5K46;[M^U_6L!NIK9;O!KH!XW8=QH7!I+!:V=LF,7\P//;Z+\';;
M^#O@SJ<M+%<>;WV;Q_BAU@JJ_HDIM\;*4IN4)0A41T7<O$Z(CP'Z"3D?-T`K
MR,FY3^9P>;\MG18%@,D14VN2J?NO=)E/&1L9->M[\>N/K6D=I:QZW]-LRGM>
M]Q4&[N,CK]/LTX*LD`:3YKSPE,0"KM:LM!`R(A<%5Q'6/(J_RRD+;`P)L2=-
M1>P"77XD=Q4?9(-M2Y#J4L.(HW$D\>_#"W\4O7';9!110NJL%O`GIKL2QRKC
ML_`L$<DH8"H8*;RJE":!%59G(II^:*<&NZ]9D&6P5U(;G,`Y5/2?!@,`8`P!
M@#`&`,`8`P#7)7-?'&_]-MUVDU&LE>G<_O//Y-G/SF)D4H,N7.:81)\]*J6^
M]'CRMUJI]DF)C24)6QK[BZVI2G&?1H76G@8R1R;QKIY+F%:BUZ+6B<:WR-<^
M75CEM"38%@K/-!Z9XV8<K9B'*9#.\VY[":FCB#^QI&/`CID,O*TWZAJ9$OXP
M>-UA9%PR//Z^\T%T"`PF89@R.WN#5PB0`ZHD/MAF(LM7?L"41IH:7M^`08;;
M3,8?TA'M"K(81X%XF";[(JT^JL1;5T/4[JI8/NU7S00N-Y=;_P`SN_?QJ+%^
M6(]-#77K;Q)H!):0%?FD7Y"8:UH<6@*LY;SPKQP"5P#4RWYFKX[5RA":1""]
M!Z)-;I-YZ#[`=0GUJNO6`Q7ZXJNSV6Y-;0[`^U5R:PF3`9C+3M>"ILOR;5N?
M$`E4A&VQ9H33-?75]\Z2T22PN'72M+DD)4N9)<T36X`/3(<E<G;J7$RE_)ZJ
M5ZX,366Z^%G+SIOC406136*OSDV+)QZY+(7*R6:QP:G9Z]>@-,'V<]T)U,:B
MAS-6BKT(E#BT2!&1O0Q(US>WL&6YZEIU[QE\=@YF+;J_0`39%F6$E"9C)8S-
M&BY]5>"OPY==&OF)`4'.=F5&`\2=@LL.%)`YER=N0XRE21*LP*/'+Q?Y?(<Z
M(Q1`X-VJCMFXKS1>RRX8=BJ1JI89)`!6%&90N*34US8/+FN0HB91%8MAR3MY
M2=;V%6]#-O5GQY\A11>]%0(>V#5LO4TP8-LEA*?HZKJVCUCI&I;@[:(@]-Z+
MHTY[=)VF<YOW;_@[2&J.$]XK>.%NLI`X:YZ'(6&=O9`XADY88;1G<R"1$PIU
MD"#CD48=5#A39K0YV='?W!^IE;B;:4^_M8;FB&6.B>(I2LV+MY(,+D@JV!Z=
M.LYX*1N,)XI7:DE-6Z+`.@@A"%*N88))IB6=09<69&8F1DO1FTON:<6+65:%
MD<_X#P3G1Z/9J'51`LY.<E/BIS=@-%U,QU12$90ZML%31&*+KX^"1DMQAT!#
M(^"RXI+#+2?PT(VWU,2=@^-<OH+RCL6O/="C]/K8YY;[9G<YOJ!JMT"\5MG:
MVM:A_<9=<X]7YK:O7X-($,Z5O2MK2L-:>!EF>!\&7`A0A=:'#&Y+41(:=6+1
M8*\9:^T![F'A2*]8:Z>'G($L>&O1II$B%);>;;G.[TO6]:VD*LYC/">$V[G5
M1X]-JXAV@TUE,.EUP(>+@W03%?"SZ7+CARM<,C3[*&Z\=EBB*4R=_4PY\B-+
M^1N0ZA85=:]I45OI'AY^7[\".5T<@1Q*GKNUD57G[E#(UFO')MDNLB75S=4G
M1CCQ0A,I));K(F0N:M+;D52?CD*9<%K(OM'+>3G*-4*'^4Q+U*Y]`'"JK6'/
MJF6:G%@4V;38(OZ;ZA$N$]!IIUZ%MI_?R(9?W[M>[T5H2KZD'+>+7CC:@PH?
M+Y^'>&P4&G@<L,=L(>="9MTQ\S8%B#U?.#RT5BR[DOZE_!(2F7"D/QW/?&>=
M:6%6CD,>.7CE/K>@D^F`88.J1I$N/(&GS5?GU!#I<5;WBPNQ!38XY59J"=?C
M2TS8TJ-(;0SO27$M+<2H*LJJC<O\,^G/C.AU6D29<<T.(V@<:-A^NU.MF&'I
MKD1ZY;AVYH'7"1@VW:-IAF'&5SB8J0G<9]Z"E.TB^9:%M]%X3R[I/4J;U&^O
M,E7N8U4K!'`))67`"M**V^EW**>L$>"4A1C$(>9YW$=:B$FI(_<AA#_L^5A"
MM")T5$1NL^.OB@'N,@G6*M46[;1RE9@O0(MM+34TL\IBC'*^VW6'K%(%5DZ=
M8I]?FN*1%8DE_HXS[^Y&_:O859WR?!O&"H`P*"5&JPL&$LM6KX).W"KK,"S6
M(SRNK58>WIB8^ZW*GF*/5(S?R?P4[A,*7M*=N*4%6R#]'\-^6=#,<_(5Q=?I
M@VG6NJ&SWV,<4E6*Q-\]F\K_`"Y6F;!&N(Z#`$Q$<<`PY44B.,QU)A-.M-1Y
MS3<M(JDT7ST&L<;.,N6WH[-4<B!0TS3QX\6:@01P*L6$)>23C\U<Z+%8A`[#
M384^0XO>M,+@ZVYO2=*UL15[#!(X=P&1#DLMT^J/P7!41B5I$YYUC8B53:S2
M(7RJ204E,232J4,AMKWO6G(\)&];WOW*V%6=OGW$><T"W6"Z4B38FYIY!*'8
MH,J[6"SBR)^3,%_=+"7^_DRY&?;$0*\-%(?E27=P!(V-!C(8CM_'L*NE"O*;
MP'Q1LK$Z]U*H5\O%Z0*-%USU&;+(C3:_:F+_`!3>@X@J7VU6Z^3UUBQJ<BP8
M\.(F0;E.Z;2\[M>!5]"R>>\*XWS^SG.B<]J<`0?N`[Z,@7@%S,^"^)DEY=E=
MB!ATLK-!A!I"P$Y))]L<Q&:DSY3TES2WGG%J!MO1ES8(,`X9']'?_F7?XBL`
MISQM_P`NO`_[%N6?U&!8*^K+IP08!I=YF=ZO'#0?/WN?094RP6*S/*2R_5GC
MU?-0P>H#LRFRYT23HF/L-H9(;T,8A1I$R5J-(<3MIJ,\O!E%)]32KLOD;Y2P
M^37,?8#PZK1KQ2[F6'W47QFY*G5!XB#\C1=3Y2.'"['*($;):"/+PR8I5*VI
MGU1);;+"79@[38R253TI[42NH?QAZB:H9@A7N@AN(6XS533`9NT%1EH%4B<0
M%R6`4MMQ!LDV0CI]C"T+^9WTUM"O7V[&"I77H:24'R-\HKSTTE4HA.BLT]GJ
MM>J#!Q-+E$[4FC11MV,#[UJOQ#4./&`]MJU:ADX)62M,,<Z02S'9E)U_!AE2
M-*D**=U\IJZ.J-^?**399U!@V@]58O+K2[6^BW4[XR6WI8&CQPDX^8(U9NJ6
M<?MI,80ZP1*KA[CR%N2W$:U2T70D,#R(\CK/!*$1Z8/2:M2B_-OR>4K_`#NX
M4]?=7C'D47J4:V0"(^SMI"AXE9K/T[L1#4H=.=<5/=]1KK<98E%\&?/&_,SK
MOU7'[#WVP<[%<^M8CI9.R2*<)6NP`MUJEP[A++=-A3""V:#2J'+AF!,J1$7-
MG,D&1T<BTT]-7ML'%=G4WQ\DND6WD7)B_3J>#?M#M.)5XH>K,$&3/&3M2D&(
M@RP1@(\4O4[9F'"(?6-;2AW^#&4G:-^[UT,4DW1F@E/\J_,4Q>N*5*ST^A59
M!:ZS.=]!)&P)RMAK3=.8'>9T/KPVFS"Q*2^S!L!$U:#=1^%,MTA&%Q/1QV&B
M:_@R:CU-KO-[N5TX-R)FS\]CR7+?/+SXH5:ZLNS`7I@:H6>W,`[!IF6Q-@-V
MN17D#(?TC4J?-GRF8<5M+\A#S0D4F]>A1`SR(\IGNU\EJ4X?28-.Z#?>G/NO
M'ZT2JR)50K'93?.V:*%(32\V81NM?YT#19VWFV=;+R"#>OACCVG'-"TC2I(/
M*'R1[GR[J)JM<\@"93(SF[)^J4Z;SZRV:=T27-JO7RMHM4:R!R,2./&\H(TH
M)N4/0WMV2@BIAQ:'2`U2`BDT;0^/5IZ-8Z[<Q_4)$4I8Z5T4U46+)"JLJEQK
M2'9#UX_`,-5^02,-Q4LJL#D'WLR7FG?H_?ZZ<VM.ABZ=AH%OH?DN+[B3L(RZ
MD;XFDW/K-0,4>7S:9"AS*H?\H.*56D4MN2+(PH$`J(YS:WBT`ZZQ)DR(:D..
M>L5$CY(9TC3\NXVW\)>L]?[/R69<^R1ZE$/R+$VU"'5AMZ%-`-OU6L%#U0MH
M=Y^6L/8Z;<21(;\+CNY7T4:/N4E$OY]93&22>AJY#\J/(\SW$QS,1,K+DE%T
MG_<Z1^RBQ_F+G]:`7GM8D8$E6"59(HLNYU*H\W"R(A9QI+$%PW]6AMZ-(A-:
M%HJ5,%5O-WN#(9B584!+`P=@L#ZQ8X')+V"8(]9-2/'B9-Y`P$7-(S-DN?,W
MJVQ7W7%)4M(O>I"D/BR.UAM7Y?,A_:O(ORD1R"]URS6*#4]W3E5BL(Z]@^+W
M5$X8=L_/>F_ECAU?&B[)-);M)TI5&E0S*74SVY&U,MQ]//P]I%25:HWH\L;Q
MTZAAN;$>6COJK,])NK+,N:*M=D&")S7-+&X*FFP-:.@HQZ(@KIO6V)RU-N+]
M/AVU(^-U`PC1O4Y3_5NU5/Q-Z;T-D)&NO8>?/=>!C68]8("(ED_9]TRU4D1<
M5U1J;)E_#-JX1HT]%C2-M2?X6HZDM.-^@M%N\#4,OY=>6(:I_3MUVFV0A^30
M73'.F5BN$R]+9Y8>Z*/X^LRLK'(:JCMVKFGI%R)QFY"H$8?'<1_"A(^H4+MB
M2_?DCY6A:6'N!R-S\O.M?2N1\*#AJM3CD^NP[/UWCU*(USJ3%MV=0JQ4W]KM
MR::FH:CL188Q*VM/K<:<D;"D:T-A/+[IG<^?1J@CB:Q,>5("]$LIZ06YZ8Z`
MU,W4(-><!UUN,)L%>V+T<FF7/D>^1Q];3"DLITOU6D8JG::I7;RX\EJW9-4`
M)%B%+B&K/8`).46Y*8:%'S-1E=I:HO5@(858'"TT,1WS86R3C?4Q!FI9/<6*
M^XZ\PI@9**Z]A!R'D;Y6\L9Z]5AH\;#(Q?)B[A:I;>DU\]^6"U$GJZ:>9Z?/
MM$PBR!`U,_U8"/H[05C^6"1)#<MM;ZBHK38NU/[#T>\7[+?K'6>FIZ5:UV:S
M@.^]GKB(SE<C5Q=3K8ZZ3U4RJH1':9V;@0ZE(A2(1-Q&G9T&4RXK:M[]VQ@Z
M=G<:YTSL??T=SB5C8QB/RM'6S50(BI5,M\\N2CVSH7ESO\UMWDS8)J1P\%#Y
M-6U,1FHVX"&BJT(^)A^`VP+14\3,^6'DCW;A?0!4.C4#=VH_Y/A](-+A4VRG
MR7Y<K18O2.@5P?,!R=LZM<FU=#H<X8TII3BQD<UO33J6_ECA%)_$HE'1O*KG
M$0TU*&/]9)/7WM%SK=8'U.]!7!]HJ%]Z,/8KD<T-M+K]EK%UG+9>'PY;28T>
M$EAEAMY/QN)&7E9/N1=+[!/[O5;$-Z;&Z]R_H;7+Z79"T3EY^JB)LZ12/):W
M$+4!:D')C5'76S=,$AY<)UIY:UR-HF._4JC_`!B-::]?^0]0<&`P!@#`&`,`
M8`P!@#`/,_I'A#9NC]TNM\(Q..HIMIZ;2[V3ER()B==KY5@</QN%E>3]#@O`
M_LQ"FH;XK/G1D[F2X[LJ5#;7$:TW)?>&:E1>)6>OT[NF*-!3#5LYF*32KD#L
MJ1$%BPNA>_KJ\CMY!!;R`@Z%0-OE+WKJD(<88CK));9&:D;DS6=-#$!N19WC
M3X)D^-]%K%\N1*OVXC5I/39#AF:4782%CL%K:J$`#TQ@6NAU*%3KY)"BR44T
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MJ]SS==GV%,MB74K#LV.M`,I;'JV:#UBR6>.)O=8'OB/I(IH,@9\OU#NR>_8R
MR(FD8E/B?TF1XB5CA&[/2Z[?*59OJZ27$,/OU^KTUVS%A;U;ED@]9H\BUG%<
M9LA(-),_9Q;I(C)W,D,_(IU;@;ENJ4)`_3:N0\M3)<N]![!%JXR[5@9O9HC7
MWJH#"R(=8X23'?-2[:3L$^%Q^IU\#:H;!"NI)JAO;5+E17E15B[S:.=XW]$B
M>.%FX^#-T8@?/W]JR3-'Q[+U:+U23=A!X]6GGCU1O,8.4(@H;T>.04$*:A2E
M(>0QM:$K1"55:F'\3?&+I/CT9,2"Q&AS19/D/**L6T-GE#AJV=,Y]3@E/?M+
MATU3Q9^G5+[,"9B-!4SS<);FMSV&1S[LMF71)IFN-B_3SZO;!Q"(6/<C8)VN
MH79!NSM*M4TY3RET!>0D(SRJG//`(CI7D5D+=M8D%)4AV!)?^@?6H:X[(CJA
M#+>DR\`7@XBO=1:OPI'.1<2OWRKG^?1!=?<@S*)58'8.C]"M-:K"HT)J/78]
MF!7=$)]F#\,>2M#J7M*:5KU&+EI0[G6?#6S7;J=T[%5;B.!W<E=@%GISQDG=
MBM3$Q0?C_9>4M-V/FB"[?/K.0_-!M$WY94!YU<!&V=NZ]$(T"EI0INH_IWW*
M$%=<*V"@UJXL%XC]/L=93(,F>7"9?4;+=++'I%@9IO/F($TD%L*F5?;A02+)
M?][:V4,*WZNTKD<<KP$Z89:KD.*GAG(W(G/@%._,W+$V79OFLVJ!.NAY\[ED
M956JZD#^T/\`1HTJS-/SHDB/J*\TI\JXN/*C0;D7)QGQ,NM`[V![;,%<7J(9
MKEM>Y?-XWSULV]0Z2^!<OL^1T;ERY%9J[0NW6.388T$@F1`][PEYYK4I*V%*
M(TCE54,P'\6KY$XUY2<F;,TZMC.Q6V\V#G<$?((6'8F/<4H(G(W0;?\`EJG6
M:SP[A87)6I,>0@A-%"96X#1*8PS&TR%=4S7`[^G?ULDF,3J]ZYUS&<J7;+=&
MI]4U:)%*HUV.7BU"0\6HK:'`%2JR#\>^OW@%O6X`_3A<C%DMQF&&OC0+N1MQ
MQ/Q78XO?+;9PD>EQ@UJK_111,0+&OQ'CTNQ=NO?0Z?(M#^XW_P`ZU6Z1:F0W
MO?V\XREMQMCTC[2G8C=33VW^)?2:!5(-K-B:=<:I2B[NJKXS"H'5NT46#3Y!
MJOOAN4-2V*(5N1BB!2<26<')=`+A@)JH0]EEH7!:?9%JFSEIG@/TT=SFI%!B
M>75^_G>?5L%TT+8@\67(L`C=5\31,R@&CQ&K]#',N`&>'&X\&<\..-#'R#+\
M9E;JG7DB[E7MH<:/TZ>CQ*J@$A7"CA.93*I6RQPW&L+4G\S1_'"F<*?Z8TY'
MJTF>1N?)"-)^Z5)Y^0E]]HW-9W($O(3)>$W+Q-S*_P"-$^M\.;Y>/)UYJP/]
MX3V0[968+\=-AD;\CF>R2II=;+"9DZT3:W%9@N2'/<GZEM.M*^!"/02NM35J
MO?IRV.N#Z2"K]VJ-,"1!](KU_9J0DG#<,!*SQ[F\.<2"LM:@L,VJ;Y!\;KYY
M4M[>G)0I4UMYSZA[UV+N1&`GZ<=W%T@%4V-\R8G3.;=FYWT<E8;"_P!!KYT9
MT+ENJ5!C5BBRN+5$13ON]P$"CI&<.>ASVM-S8\M9U4U4AL-Y8POP3M$Z\P#M
MH&\4&UV%>HEU+CZ]%+%)M]ARNJ\RZ>/I=S9F58"-E`>&1Z`L#3-[T^TL<^VK
MZ46E+L9X-WQ-@_%OF'4>'-F>8F:W46.9*)6VX54P`LJ#D^N_>"0%D30RA.34
M:=8;\46I@N5EGRD1,UMF5#@NRB;S#T]P1M/7M-9"'Z>5G=K^MCSO-D758P.&
M*G)8<OM%MJH'CE3I*>9V>=&8:,2><VFU5E:BD%*]M;'37'--.24Z3L7=KX&^
M7/4]+`DP%-)\PYO3N?#Z8^ZS)YU9G906M&8+=-B"Z2(`RJI4GWASKTHZXB6U
M#BQVH<&'K;27I+C;`Q=/F77@@P#AD?T=_P#F7?XBL`ISQM_RZ\#_`+%N6?U&
M!8*^K+IP08!2/;/(7F?CX%_,'32!88*V"LI]I\8`*G7)+%52)<)0(L<3&E2)
M)IY@NER+$0E3\EME]3:=Z:7Z"I-]"'5CS`X;<.N1.*`+#.FW.=(L8^*K[6\V
M&?,5EVU*EAV"*UZW(E3A%)*$HCK;:X;X^+\FGM*=80Z&UI5,18/-#D@`R6KW
MV?IQHQ&M,NF5F'7^>FB6^CV$/:9-&M4/GK^M,QCC-*N<50TO(=7&CPW_`$<V
MM4?>GL%VLC4']0;QM,F4`:V<LUI*3&Z/H+$KU4)SY-@G7LASP;!$C(6]-3V2
M(1_J]>V5U,:BM0$$-[6YO<6;J,&UGP:\]N-`C907-$7W0ZJ&^CA>B61L(/?"
M\Z3SBCZOT@G9EQ3,B7]%9`V_C&M1FI$U4K6V9#$=ST3L-K-@:%V_GO1.5K[(
M'*N0:1#CVUXW,,,IBR*Z[0BA@+=8AAJ,[-82_6RM?F,OJ8=?87\&ULN.MJ0M
M0E*.AK:GSQ\;;O6VF(L2S6Z39A%YF!Z`_2]SB-JUSJMQKO:A;3$IQZN:DC*B
M3$E742Y32&HIF#[]I>=4TV+M9GXGG)RC5*:O9^M],J06/-YB)L3MBJK,%NLF
M>HT,#T<:,ERU%/I34@#5[0/=))%*GK:<E(::2\ZEU#8;6=2T>;-2';&:KU$Z
M)/$V&/UY\#T,M6'QW.G8?(`3)@M9WI34B1:9M,+ON+C09L(9(5+6UMQIM3"V
M77`VGW)^>_#1<"QS7!W4I3U=G&&FP\#FU@EG;&#KN^E:L5SJHEM'U1FHA-\>
MLGRR=:0X[L;K3#3NY<'4H-K+ML7?N<5<E61!::500N82MGJI'CA",I1^%:+9
M7J9":&?$RKZF="+6J`N:QK^4B1)&I#FM-)4I(E&4M2_-;GEYN$`>*:EL52>.
M*C?K9<1;Q^%T(&6/MDJS-B"7R@GZ)NOU]R8F4S)>;WMQ#>U:<WM"17&B)YR;
MRUXOVRXF:-S\T1)GP]6BV_XI`IZ$T1$KCU]TJ@<IY?S*G5J1;!L8@T\VQMJ5
M,2VWMW:'MMB.+6K*$JOZAU)(SBI"Z<[Z;S^EIY8$Z2'(F*?,(%6771?;K`9K
MAZ/7I9J(T9F5SBDV8&8BK?7-3_`7\;KL9MT7:7.+\Q>0$+/%J,EF\@2Q$V)J
MXE9^F%8`\Q:Y=GIE*/U@;/3I^/(,T&V=`%0#J-[2W#D/N:0M[4:2ID3:S7`Q
MY8^/?-Y%OO7':!<[3?;[^39TT\NK78B+L[I`M1["5H(DV0?F:&6@'5>OM&8P
M",F'!=FD%)1ZOZF::&6UOKT-N"7DE0QW-JGTIL3?"[-V.S*I7*4%IQ(CT2=;
M`S=F?LU9_*S?M=9+5.)2C+Q#2G=,MM"W]MN.?R>G!C36A%GO,OAZ@P4X&)66
MTQ+,9:`UAJLU(T3F6$C)LG+*K$0,C;CL+VQ**=D!;2Z]\3:&'GG7%(;CO*0+
MM9S=0\H:WQ[H)RI6\.<(0HM+HMD`1J:$)VBVF99][M9"W;2#@H]J0M,I_('2
M3[^E_(I*U,H2Y(7&9=$2JCH&O,[CP.GV7I+S-SE<QK-BB5QWI,:N:;IIQ[U*
M-GB54(D)\&191%1E!9,:>[$9<6Y*;VS#1+=_@X+M=:=IC;1Y5Q:/S&E=-MP\
M8-%6+R"M/%R+<914E)^`7T'I%!K7Y;&P(D@K8;C;BE0'Q8`QAEQV81))CLI4
MM3>MA36B[C#6KRAX$;LD:#8Z3THW;>:79W=`#.<_-N3+1T@?,5S\Y#YW&5(8
M%V<W395K^"8^\I,.#I]4EM[:6''F511F:'^=?CL;<$1`=F,D"-A"RS0&#JI6
M)B1/;9L',ZS!A[9D0&78Q,T1ZT'7#BNZ1(D1=RGDH^.')VV&UD/IOZ@O&CHT
M&+)Z.R>FRZESXC+I-/"23[IFZ7`71)1:E4E7S-/&"%5E]$&:F+D:BL-1Y&W/
ME5J-,^G#:_D=2G_J&<AG4FK6"Z0;:`*F*!6[*25"J1IRJIN1VN<^/KY>+/D4
M0VMWB/KJ()GZ.7],G3T_XU.Z7&FZC2HVNM"<7KS%J%<I/!.K5@)8;SS7L9>P
M(G3*T!)&+,!KH'EO0.@D#"0$+6W%J"2:.N.00I6_8G3B&=//[9;<HVZT[3*R
MO,WCS=H-4<8S<[-<Q\JG,`ZK5JYHZ:O$>\#SQ@04J4:%.4A8F.$JQ*?*?(*'
MZCP8:I&];96RMT-KZE953]0WC#M3"&;W.>"DRG1KOSB5]E'3Y]>@%*+>B50L
M[WWF;J(W-CT36QB;&J+]1L9/))B>U;[4AMD-KJ2T/Y<LVX?Y(V"IT\PFK\7X
MV"ZC335I#&`#726C$'KDYDJ%;<:<=G4<DSSJ,N!-91I]]$EWW,I]K?N#;T\6
M2>@^8'*[N0"U9Z/<JQT$G/K`610[/3C`:QP3-G'RS46.]">0ZC4:/7(S9>0Z
MEQ:8HN;%>>VA3OLT&U]>PVKP8C`&`,`8`P!@#`&`,`\S>K>6/7AODF?X;S1D
M`F,ARBUCZVU4$@1E5$W8NA^/(.;<$0P_08A6V5)^I=F(.QGY40'#=(AW&F'Y
M"(,]6QFHJE7^74O!'5KP;\6:CT<Z+VQ=R%DYN(/1`J++6&GI#G:ZY23)*%#A
M%/OPJ#/@_+,^D7+?:TPYMA]<B/MSY!CI4T:Z/Y@^0CG"+`Q:CG-><G+ARQVT
MQNB1:/?1(T/*O'C9^TVM\FK<#]H"S7[39]EE2(0LPB;MU?T"M-BER_8WM4S4
M57YDQ3YN=KT/N4JTSN*<7"P_(4#QR#9+^PBQ3>;C9!CM(HE^T6J@>MQC"24P
M5SH$0&$"WY79FK.O^R(N(PQ*?A-J_,=2G>:/E7T6QKKD>D\WYI-)F>+U5<&T
MAI)ZRT:1T.-S";)N4NCQ.H![Q8:U8(=O-*@O3AM?@CGAD5A<J>ZY+0Q0XI%<
MV3S?[Q)LE:M_K4Q)4+SSYI_)H`,_'>K8^ZC?%21.[M>GK%T"MU\G0`B.I'I0
MZ,0>#,,,"%Z65U\)-UF%HJ%C6GRK\KET8T9E%^2\^<=K;?P&JY2Y?0!M4GUO
MF7`.J66[KM6NB3J7:JD<A]%,Q6FH^M1X$1AIY)&4N.\IP2B-T_+VT&ZKQ(59
M`%['467&ZYX[?67Z9&(RZT&!S^W\]AV$K8((DT&>EU)T'*D:G-.$(T14-:_J
M7T1OE7JDCU-*)OF]Y#,T*1>IZ.35$8N5$%AR)OGU^DB2Q<3X_P`;L,&*RXF]
M09:W>_V"?''5>,E'SCXON:ULF1>CM8+M70C;?FAY'5**>KD2EU\(?D^1W3ZZ
M"B=<F?"C50FVSL-HJY,K>+1?*#51U=NMH#?D4.W&>DR@.P$C>HD^3*@CVQ=J
M_,;RT?M7:R')#70"W-&+>34QY`G!<:J,ZKD((US6PV0/SNAD0YNP&+=9;'<V
M0"-.$8$1,;<AU6]1V&_BTL8T531'GGF;VV#T9$&'8N>]<J=[ZG^8"]Y%"IX&
ML$0PGE7B^Q:N6<=#V;JCA#=OJ4"TG2R!H9-FGFC,/<?4&(IV>]&&6U4_+Q,/
MKSE[<3';Z>(U7YOT+AKG[![<83"YH+K]H-^.MB&]&N8-SM'Y!AF*LS>Y()_;
MMU98A25*3(D-.-RHN!M73\NT]./&GH?4NFUZX6'J$.H!I4.W)KX6NU"(1=CB
M8PZMU^275*M4PV2AW-,NP$9.XDZ%'A1%0D->U+BMJ<4,&DNAH>+[OY!`>SV.
MT%+Z+O%=HUQO5'N5)A<[L")352)>9HCEM/$BA0"Y+B1;U6.9V%DPR1?A2I9F
M#N(CX$-/*E.#.BII^6A8'B]Y5]3[GU:DL'K?31E$G,]P&1Q$&F#(<KI,\'4O
M&CH%.>AF1_3+V.KUEJ0KJQN,0&0B!7W)%2=2=-26'TQ!)127B=[JGFO:N4=)
M[56K#+YZV#H4]EX--CPY)0*&K<_AG5+968]YM8RVNR1'3+1UZEPQ2*]-%"UN
MC9490]R>Y.2XP"BFBHYGGKU9N:]%EWS@%9A3>B(HUE-EZ9;W(7CVRGI`6G!W
M^E?-T8<P;*=&"%94P7\CP2+&<%NJ5N1'^5;0NWXF1K_F_P"1EMGAQ,2O\UK=
MJL\7G@Y^C%*1>B)SFK%I<\?$(Z]:$?G`/+*T6X2NMEH@D>ID:ZT^/CH7->=C
M%&VX3:OD6US?R0ZG#[33.:7R]4:XC+;VKR8H$F)7Z?#'=$!3*/9#<GFX$K5F
M;WLF*H\.A#4SI%H0/)_*[*@LRVHC<IF<^#2I5=Q:5G\D;"+\RN=^/8A@>_73
MPR0U;8Q0&U!-1'Y5`Z)>Q%HJY?\`.NRAP$T]1FA<Q>JYH5&ES/A42W,VF*FD
MIY:E?=K\G^L\JZ+T1+K583R\!/DTP/N-0C):SBS3O%`O2XM[.'I_0JO4Y=:@
M6$CN!*CO?:(46#\DN2483'<]025/$UD'>97D*0AOWZ:NOVA^+105NJ_+:V`L
M`J-LF'JOF:*L%U^YU:VE2-[HMB+\?$2ECUZ(0&/G:U#?=D?2R7!DXK\OD6>(
M\R^V_<)!=<CG=ZYE1R@$>7MU#YG=)S_9PEDZ'?J4B[<S;BWXK%&1`$6KH5N&
MULVDL0BOML26&'V7&Q-J^9F_&[R1Z3U@OT*_&Y$$FFH\AO38=JO:^*CV676[
M&P:!FTC`-SO]<2;D#RR8,K8\T1UOZ=24O:W[FVP<>PAH3S$\IY5PY)SH@`Y5
MLM<BM?4:N4D&_1ZT6:M-'\<[I)IM6A77K$::JX5$3VPQ(CL0EGB!O=>8:U`C
M)=FR(X;8ZD>K_F[Y(@ZIQ,5,%T_JYRU<HY3:;/?AU(L`F-*L/8Q;7(J4,DB`
M9Z4(#'1?E>M(^QQDNIU!![<5MJ*M&W$@XK\OR[C)3O+CR!O,6QTR`_18FRHR
MY?FDQ6J9=F#O'I8WG7DN9*<;GR-W36D=;$O<A"2-%G-1M1VS"G/MFT.#W'0V
MI%TTOR2Z9KPRI'43:ZY3.@R+#SFA]!_.@:PDA_CV@X?K-;L<SJ2)9L'-MA*C
M!R>ILTLF6,#$7)#<YMQ`I:9"Q*+=0E7AK:>A=-LW8.L=#FIU(MH?B#8"O11-
MI#AJX*1S.$8F*K\>P64HUL+:3)M\PPG4*)-8;FZ:E.R5(2I`225$C?/!B,`X
M9']'?_F7?XBL`ISQM_RZ\#_L6Y9_48%@KZLNG!!@%.=:YYROIDWF0+ID/1*2
M&O[-UH@W<HC%:F6NM5VP>]$Q$%2&"0U`$A,4]#E[5%?UK6U(4M*/05-HJ3E/
M`/'WCO5`5>YJFSB+G2>)4T-*![E6$T(F4(.Z8IU)/W"PE1Y"-*N$G8\C'9==
M)MD2B(K[SK4C4;Y6A6VUJ8/HGA%2;:<A6*M7'H%)*)Z>QT!<H5<#ONJ[!"PE
M;K>QO,FE2MQJ4]T.]3FRI9>FY#4EUK;>V],*^+0*1*J[X?<"YU+=+`AI&NAF
M2G.;#]E58Y#5=AV3F*ZJU5[)\DM2B6R;[=-&-3?EF+CSMLJ6XUMY]]QT-S(5
M6?!WQIEU$B`$)NA:J32%CK\Z%+N]B=CJ%#:I8.+$J'I+RV76JX#$_)':2GTD
M_7069NY#DE.WW`W,O>E\1'U4/;*F6MEFOE&L]:&U)NHVU8UX>-#-1#K%AUI0
MN",3+G7!ZPO*GN[0WI333#2$I2UK:A&ZE-T7Q8\;9^Q#05T_;YW#I]AYP'GD
M[,6<GTK1$9IJXTMIV,V+9>BV&K'8D`JI:'WB,*/$2^\X['0XD5R9QV/PY\>Y
MXZCT$[.O6I[;\Y06<F[GV;'8H8_F])YX<%%2\;T2]!ET;GP9F3O7P/N;A^Y#
MFE/2/E#<R7K\/N2N06`ZY=^4`@%K[-"U]5W+J$5\+TP--#W&C!&5*V]!HL_<
MW<E@?\BDP)#36HJF66D,Z#<RL.Z^#E8O=)EA.82?R1;R`\C5TW:;9[PT2K=7
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M71TNGVLX`NU0(=.,=-C/6`98HZ]NL,6G[E:!JFMJ=1J&\^WI"/1I6A*OJ1T)
MX7<,KEG'V4,.M<-D%)K\RL5-%UL*Z559=>,<U/-20-<<F*BQI!(MR0"],6YM
MU3^XBD^NDOOI<#<V2;IOCIRCN<M-K,RK$R8E"A`B';:+<B@`DV#%1.AB7AHX
MF'D_$W!-ANHG(4[V:]SS4E"DJ0_&C.LB)M%<6SP:X&<#$A4YR_!*:@C8#\&J
M@;Z>%UJH(M5>/`>A0Z@/8<<<K8J]CK!,<)LQ5I])+JGHNXSBUJ6*I-%ARN%\
M)Z_R.M5B0)W:^7%SDSKU<UHL883+*WF=8;I'LT(@U(B%HCR"5VD$!RT+9>'R
M/@=8VT[':4@2K3\2H7>7^)MZODSE0OH\E?::.Y8K"K5=Z7-8Z963AJRU"ZV>
MQQ9#<AS7YB:+11SD]/Q._3Q27Q2&4L3O8X+65*]A.1'A'XZ`K+5K8*IQ"*8I
MI/F!<"Y^:;(\Q&F\@HEEYU2%R([Y-UN<B+7;2^J6E[Y-$)S$67)^63%8<0)N
M?0@-9\8O%^0+'/4,[:Q`SH!.M[J$FM6@M"?BW;D0V)`CVVL$WH*RHVSLA^>_
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M",[Z*4'K'-N?11,)E3"WDH]F]+1M+NY`M=*&X^#$8`P!@#`&`,`8`P!@&LQ?
MRMY35N@$><6XL\,/,7%-5B+$@KK81D-E</EJ&BMW.1*@Q7J*R_8^N!QS>Y,Q
MV(M4UA>I/JJ0W%%HZ5*SKGG[PTN?,PRA(O7ZZY9*@"HYXI4+S`=M0^U5ZHFD
MW62,(U>')!<\;>O@9IH](]!3NBD?>WT*7M*1=K).SYU^,[HP45=N9L?%-3P[
M(QLSSWH(6?)"'8*"8N_?;"U9AD6>9OP5?(JQN-($->W:5OI5K:<#:RO^J>9'
MC>_S\I?6H%HNY_F3YWH'/ZP]SKJ0PH8L%5I-YG0KB*BHJFB+]!T.#%XKUB^G
M?#L:;<]RU+^+2P476A/B'G7XTB7#L>7<RTF=6S4H$7C!*#T"P;]PF#?I]@.#
M7`]8F(+TVMIY79T33,?;@UAX'*;V][_B2Z&UF>.>4=<C<)[SW`#4+S/B<.=Z
MX+D@2U4L`LC;#7)EDHLIVNQX(LR3*58V0@^D<E%BR4_!M;FV_5M:-"4U2[S#
MQ/,CE(<<N-?BDJ#<!NXL8X%H](ZU>8S)`GT:T\JKHZ.N%SF,2:/V>Y4PG&CA
MWHZ2+2X,GW)6S'7(V+M9+N>>5W#>K&*Q7J#9S)XU;X10N'&_D+H`N4FNB@M6
ML.[47:,U@?L!4R@6\A'QQ*=]/#))+1=17'5.ZUH1IH[%U\HN-<^L9JGVPQ9X
M-H#+KB&P,;FO2#!.R.VHE##@T4>(&J9!V][>,D(\5Y0C4Q$20^A+ZFO7`HS"
MU?RLYMT'KE0Y;SR3)MK-DI=FN<RV,"+/`KD!L()YA8!PL>:(UZ/7CIB8#ZD.
ME2XD>=]8,0\UI]E*EJ2V%&E5D:ZOYL\>YI4^I$FGK(:NW-85MTOGBZ)T8>?)
M%*S4S%K1(<C?DV7/@4*5$#+V[:/IW`<9O^&J1O\`@I4*HM_`S%B\QN'UY81^
M1;H+XV<.EDR;C8^WO&H.M&#E3%C!5>@U(A+.6,K=*],%)&:7'GZ?;U[&G-N-
MI6)M9E"?EWP0.8*U\E:3<<R)D"!CH[7/.BR'R1\P<I%814Z]J+5'T6>WB[!T
MD##)BQ^Y,T2^4:3,;8VEWXPVLMGF_3:=UJO.VRASYA>MI,EP<8S("&PT(M)!
MS%CR$L&X;'C]FPJ9S3C34^+IV'(6TO33J_;OT$:H3[T_=_T_CO\`T_O?C_YM
M8`]/W/\`1^.O]'[WX?\`FW@#T_\`7_\`U_Z,`K_?+*`J/#B;K4/<<?T"7U.&
MU\\[VL7^>4(F9=E1OZKW;EODRTA[:-[VQ[G=ZTCV^FM"U+`]/W_W_P!SU_\`
M)Z^G_H]<$/CTUZ^OIKU_[?W_`,?3_P!6L`^<`8`P!@#`'I^Y_H_'7^C][\/_
M`#;P!Z>G[GX?N[_]/X[_`/3O`&`-Z]?PW^.M_AO6_P!_`&`,`8!PR/Z._P#S
M+O\`$5@%.>-O^77@?]BW+/ZC`L%?5ETX(,`U/\K>*WKMH.I@:>98%0(DRTMV
MQAZR'ZULH&/5$J!;B-R:\VJ4ZK4N<E7XK;4UK7O0K2]:P91=#4VT^#EQA33I
MFNU"AVV`],B`_P`B3+[9JBFT\V"W;R[(T"GD;/&"DI`T1S.)V6E$Q\3V/,LO
M5K;+'L7%A.+A=R_+Y'(UX%7LLQ7%WXZ+NAZ(?LYZVV*7>+['DV@J0Z-XTR!I
MIYIEQO;<A?+.;6P;MC2DM1]&5QT>Y$Z8Y@;NX@MK\'N^6=4T`?%<ZM%.%<7)
M\^%CI-TF,0K:+@*JQNDTBU-SJ00L)"4#M=<?^GGR"6Q(V`Y#VS`<EZEO;HW+
MYDCZ'X<^1=K/6Y\.4!#5V43U9JJV[]J%Q@%.:UNUI\AVHW)!PL<)]KPBT.=/
MKK\@A'>;^@4)4I"%N#!.US4*2-GBOCJ<@^-O:>*AH\S<"QVVWD>=5^J738%X
M54B]E@'Q-=9-V<,?&0(7S(D?6#9,28,EQWG8CJ51WUZU25UJ:PN>&7>!XBTG
MXPSD,R\=,W)8Z^&"ERT6LV<))UXT,1Q57'6ZOV&MCY-:B<VLR`GW4?/A04SD
MZ6R[]9(VD7<O$^0G@]W95+$B[7;!).R%G*5!Z5/5TB]RE62NUOEWCK3)(=9-
M(T=)D1E%N?6EU*4,PT/?=/J%)0],DZ0+N1Q4WD%YYYY=<0KCPE^P,5^S6(Y"
ML@DWTUZ+RWAL3G7D:#`<VD,2ZVW1Y]4E6&UUYUO3A93K1';3/TRE0(;V"5\K
M_+N)AVWQC\B^A]WZ'?!:*4Y0IX$6)17&+K.J*.NTL79>&6-SF%WV+J$T]"F&
M8]*M@U\F\3E"V(1B,TR/]LDHM0)I+Q,98_#KK+SX\O4PM7#$#5SNIUN,KJ%N
M8_8Z5,$..+YGT`%],+=AV$AR*HT$P&BBX^H3"T%E(:6EB;/5L-R)!Q7QJ[I0
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M&]`//1HKS499)7R/RW6WT(ADVD3V'X8>282SE;55`G,!!^?6R^ZX8+=+N)N/
M4ZJJO]\&`/&HJ'37HC=EI(9/3J]&:)_+IK:`/R*C?[&.;51N71]/RU-M_$#@
MG2N-P[(Y?71C>RM6AU^OC8UA8L4P$-']D\A;R%"2Y0VI4ZOL10E2ZB)AM,C8
M,>!&<CO1X[6H[+*W1C)I]#5T/X(=EKSW#QS%I>:IM3G<Z+7D)5>A2F2FNCCZ
M5Q\=:^N02=VJ]C20);L-!,-2=-ZBD2,(Z\O3S;C\E"Q=RU[S&M^#'D77*KSJ
MO<G-TKET"B5F8PY7`UWMD$!/O\:YWF@_FEJ**"[C[!V?QZ['99JHSC>G8UE@
M!]+2M3&YC(NY5U)W4_"WJL3HL6385`WZ($Z,Z?-N2>CW`M-[-''3^TE>?VVU
M!]P(K(PM0Q5QK@9(]Q^2Q(1`7KW;BCQZ7!-RH;,^'/)>K\%Y96>5=(<"V\@&
M@/*.=6C6LI.,V\C$#TT>"<(5F<#CQ1;D8<B6*VW"DLCHT4%$7%BM-S=Q8`DF
MFZHUYOGBYWZQLGZ<#B4(.$J/0_)?L_/NBQ+F7'VJ[6#NLF\E`E%,#(E8^>FL
MA9?1)D8D43-GH=:%CW&6%[=>:B"U7\!?7C7Q+H=.O?1>J]8CB&;/=X96.$&#
M;H>N2*>*.]S[CTV37&9!(>(&(2V`N]>C/OQ(S?S/#?AUO<>+&4H1M4HC5&S>
M'74.?T*TOUFPAZX)E`S-FOL,7:^B*9M%AD/>2DBS.28U>"%#*=6NO=%KHE^3
M"C.2HL6+M3+"_M\-M8R4DV8[QO\`%SH1HG6.Z#1+?)'G+D3:J$99^TR;/3.0
MM]3\R9WV@)`M]<9C2@A*O]=J\P5#(CT0W(L5MM4=N/$B-J!M=/R[#FO_`(R>
M0O1^D^02ZG+G"Y4,X&"KZ]:;?)#&>Y51OBGCEHMRUVGCZ>FC`Z@?L`8PY*)0
M8;@IHFY(;3!VIZ>G4(FDB0Q?`N\2JT,V\5BMW8/<Z58*5;KC;9UIM7/!E4\9
M[5S@`W`EB`@<`P4I'4+0J9"2+B0V'(C6G=KV\E*<HW?88\3X/=5,Q97WP?6:
M;7G!D@56^8#NJWH^)H[!6S>.*;U]"<:&B535]$$<RM<Y]U+3;S*[$MG:M+FS
MW,E!N1W&?!/J0X)&J@8V'&50FVQNX!XG1+^PT9D.'>@1R#NWDM[E^YVB$@`Q
M&T.M;0P,;93[6X[.]AN,?6N-W;G/ESQ>O_:'K".%V^PG098.9Z6Y&Y%P^&`\
MGHX>B/MR:ZBCS*G/FW"M)TVZ6VXP0;CQ_IE_0CGMT5T_+P/7G!@,`8`P!@#`
M&`,`8`P#7(WXM<KL5HM]M+-6"20O)@8:L,7[Q[1DF0*+<C,LQVHFHON:A/R>
M*AD.H]^]K:5)3ZZ^;U0+5E6`/`;CH`S4[%^8+_8#E)*B7JX0N3U#N.Q]5"`*
M?61W/8\&QT$B+BUA@101&M2V&&K"E^)N0DGJ0_)=>%W-D:YS^GY1`=9Y(_T*
MV6B]=1YF-ID%%U+HIEECMB:K760G[/PPFW40H*8Y_IW3KT=QV(JQL.+TZDFE
M[6EZ!R[NA/;5X/<FLXB(*8L73*J]$I6N<I-5:T0(AMVBOA[J"-5MR63`EF4Q
M;$.O,G4I]MIN8AV-%=CO,.LZ6H%)H^T#P;XB-B7`9!:/0P]P+=$+.C8":D)4
M)7U.M=#K5PAPS@BI0+49A26>GE9$5)N>66/D+;3&6U':2Q@;F6Q&X)4(_.^I
M<N44M$FI=8F7N49CR"`_<P&WT6&Y'LL*LS6A++L6&[,DR)C/U?UKC,B2O25_
M"EIEL2I&$^*G,D&S)],JV?7';E7KS-3]XB_3I-5GI?4^K#T1V_MGN;@KL_7R
MR'6]J4I<1$=O2M*;4MP-S(^%\-N95^P<P/#3MX;UR@P"L%?'.3*NYJ87K?(J
MEQ,6\1/[J>KE'@N4JFQ=3H(\G!@E9*E*FLOMZ;:;%W,Z\3PKY7%Z^5[1LU>)
M-F)VY-T3!>G5A(R&6W8PEJ?9^OC5./;C0UPL`82RP4*3T#H?K$@?2Q=):2&Y
MTH93E?B-0>/W4);ZI:NBNQ*Y7"0`+2RYD'+J,.4<KG.*Q8;,IIBM0STH^;'<
ML%K<^4@N$Q(7*<CQV=RG=;!R;14C?Z<7'HHNUC1=^["#D7&`;KQ<V&+T*$=<
MI5F#6$#8Z>Z0USI:BC)Z!8E*F&2"9EI?DQ8[ZBFW4*4M0;F6&4\)N2SY%]G1
M25M&SNA7'H-U+..[IUH&Q)W3:L)JEI#PJU>J=:JM)JCT4=(E-#9T*9&;GE)S
M_IM3^M(#<S'UGP6Y+5RE9FQK+TXF/I1*MGJ>`.6@>3'5^S!+!S"S&;(U.=`I
ML90K>2W(Q2RVR$Z6U_*S?HT1-S'M[#<RWN4\'"\C,7`R"MUQ)+OEOM%XM`PD
MBF#Z^0L5FB5,?]P:!5.G5D:.DBH-21I#L5#+T^3/FRR2YTQ_4A`C=2\\$&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@'#(_H[_\R[_$5@%.>-O^77@?]BW+/ZC`
ML%?5ETX(,`TP\R/(VS^/`:BSJS,YB.?LTCH2WG^H/&&H!-=%YG9[_`J%<T'*
M"G7+9=)M?0/B;6M[XOE6ZB-+<;1%>&454HBJ>:?8;STD!0`P/E8V7;NEO5F2
M-(1;41LG%Q(2S=;"D:UU4=!L$9$KH5N$<T23#:;V)C-M.R$J:DLL-2Y(KBDB
ME:=Y0=\C$*-T:Y=4XVK=LX;R*OD;+9!UQJ_%^;7"SVSRA,W&R6\&/ZBD#]X(
MN\0%U32'EQ9D0O)9;0^UK;T&7"M+HB2`?,#IL"6^=FSP5$7T"?"G_=^YFC[G
M,N,1#M2*7?[+8QT>=5UHUJ?7=5\>[N7`7]P*M:4E2M)BO4FU%V7?RE[[((<F
M9Y[6.955J]\EXA>K$/Z6)NYPQ7[#VF9;X?VAEH`8JR/IZ5NK*W(;?2A^:XOX
M_=%_^)IVD445:%_4!Z=T.ZA:3SP-S6+.N8WD_P!N>M(XE+<H!^T&><!KO!L@
M,-T9JVV@=$5?5O")<@;48TY,/_9G)T=Q4MH7:D=)C]1JYE[")!"X7,@S1VB\
MR(&3=JC2X@CC]JLY/Q_@6PK<FM=%C6:R<]'M=N]\*?(%U2"\]'9::(2T.27X
MD&PZ=`_4`[_TU8J+7:/QV'LP%X&-;-RR[DT6U8.RGN"#F>BAJXCH`[H]OY9-
M;ZX28@(9#0V&Y05&WC*E2'8\6E<4C,C/.GR$^IY-7B'/^5D;)T0M4RCTP>15
M5*MNO6&N\^-JH$$GT7H5;;;Z')9M)*1"EM.D7)+(I2&0KZOD<:E2;43/E_E-
MWJ\]"\>!=I)<BJU?Z*7&%+#"%UFRZ=-5V_</NG0J?2Q1.Q6Q#D&Y`S5/>4]+
M0TX@DRK240F-,N;=O:'%),A$3SG[+5+S*J%MC<VM8FNV#R,,W6Q"A\:O$Q]%
MYUUWM51&AJ]6IW4/S!9;CS.H<[%EBT`4-,D3,`U$UID<I:)DH-J9]:QYN>1U
M_A#%5`=P9G<8^]4C9DE`/6$>5(S+QTFMC#@!KGW5;57(PX>)I#+TF(U82_SR
MGEM)F,:UZH#:EUJ3P7YT6XAQ_P`B^@S(',P=EY;1^7=#K(*7,FDJD$J/3!#+
MHXQT>[!;)->;FQ2D8BHB'=&U\J'CP=*6U)C28LYX-NJ1'HGF]UX@\197,\?Z
MU6AQ^O4578["S:OV8.D#%[\APC/6')6KG!APN9'P_"XL(9%V5<6X<L;.ON;C
M##>IH;5XU(P3\^^F%J_%.;YAH>=H$>OW*UU(69LP^1/?Z-Q&_=CY56U.:@*<
M*C7*C7G?OC3D?:VYR&E(:;6C36!M1S<0\O>S3^V#>6_=>8]A"W#KUTD$>B`+
M'`$U$G4D$H%<6-XMNU].7.>1S=,'1`D-'-VUV0N?\2-PT*3)6#2I4L5[SLL`
M3I!4):-<H'4J%T>QU:P2GBI`69XN"J_3[7S&"]V`D0,K#P"O4D!HQNO+6R,9
MW#6ZRE$W7PRW`VZ&;K'E[TL[X^W;MA&!R^O,,WCBU+J\\@S94U.F#.DA>0/V
M7H_32,@U#7+JU3F]-?F*;C.#&VQP_6I$UGY'9$83:JT-?+/YA]@Y<:MN@#H/
MI98Y;)P@%8SUECC>2#6Y)3JA,:Y%;L_0:E6@0"ROT6,)$RW['K<?[NQO6Y^V
M6XLH6B99DORW\@9MIJ8^6KD7/PISM8T0\Y,$&S"QO/Q/D#TGA-@JEA/RK7""
MNVBS3ZN.>A&(3;,2,^^IE$:7\C+FPVJAGY'FIU#_``UUGJP*JT6U]*+]*.\,
M+U<<DDBFB^TGAQ@-RBO![6$M%N%VZESNK2P`69884W;$R(15)2Q`D-O08X;5
MNIV%9$/,/J/1&:S=J68KO/*5?7ZQ%;<.,FIKD^C%ZYYC0H#0E,DV"B5#H9J]
M\;B)BD$)D*D:=@Q_IW-ITAX*)?'_`)"U`?E/TJD>+YJQ]"(T=73Z=9.3<V$V
M38@B[3[$8O\`R#DG2Q\RS:N72:1$$N-M=!>@2R1&S#(3TJ)J1_)+D(@8%%NT
MZ''8O(2XZMOC'W`F:`UKF]I\<J/=;53R):Q0``4OV7LGCA33=I*'(]E%U>?!
MHU2Z',5#=*#7TQ=H=>TZTEUS:0IHUVU,7XX^0O0.M=,DW9XRAX%9.47V\AJF
MJPS8O.V)$?G?B05`N19TI$Q$`,J392,E,O:'?BT4E.ZTK2U:V#27Y?$K6'^H
M_P!(W!@$8X?E%U+BJ%&*V;EM8;+1>A6NY[>\BH5I9YA*'WF\5L_0^=DN*Q4O
MF8+AN&9AR9$IIZ%[66%B[421GS1[I9N>W1UHUP#G-R"^/G4^K4TE/^EO#78)
M@/72T5\AS$-4NPG:_'8HL2CQIEF'*-V&:Q]Q82ZB&A>E*$VJO;U)R[YM6ZK?
M=I%T(<:DB"%FO50YL6$O&1$>YF*3=>`TN`B"]/L96(:G7O74RI*!"'K<6U#'
MM>UR2G4AU,J-J\3-\'\H.[WKIE2KO0`O*&:I;W!+,=%/&W6'81;ELY7;^K`E
MR9YPX0%S$!H-+<'S-)C,[ER)R'6]QTQ]M2:1I4T*NH7DGUKOG:/'4*Z<I(>J
MZO+5SN8:@/W1$H=HQRCO\\?PKI<R+<(36NB\Q,\]BSC4:6QJ%*=G1-NBH^F&
MER16DDSUJP8#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P#AD?T=_P#F7?XBL`ISQM_RZ\#_`+%N6?U&
M!8*^K+IP08!KYW2^\)YG-YW<>T2MPIHHO9'J)+17[=9EP)L6J$REK+NCJH*,
M)BC05/&RYTR?.:3$'QHZWU.-^SW:%2;Z&"8\M/&C[PN*B\Q8TB58#`F:<?IM
MQ@UY@I6CA*AOD#=RDUEBM#!,FS`)H084F36H!:?`D0X#\AUAQM`;61ZD>7'`
M+RJ^0Y,R/7`X"TAA4/=KJEHKSED%6%GD,D?:IH&SU,)/"P)]W[6.B-*EM>U[
M3J"&G/IW5.-BT8D>9?CM+D0X<K\\2`UAJ,"Z!STSBO3OR[:1Y6^UR@56%7E2
MZ:F;:3-RMMF'I!,08TG99#[;T13J-I5L-K+:Z5W?DO)7Q/[2C4RL-&@YLS!+
MSZ=;Y(342L`BUI)1)MA@UZ8&%FF@8:;)8'29#4^3IA:6&7'/1.Q$F^A39GS%
MX;"ET*+3DS;-9.A]'HE!<%:I%XK1.M;L=[B\\04O>RU+9=I#L&0A]0R*=T-<
M,:B*1"4M/\/0NUG<ZAWCQF?K]X!6JZ6,'`A66;SJSG*.%ZB%*M&:9`D6.U0A
MMMHH-J?-"T$0(?78YL.0\+"QVW&2+K.E*;V"3(O6_)7QQY1R$N1^U[K@SC#5
MUH4*EU,,=O\`:%5SE;O59M?A`7X0R5/L$BQTKBY0XPG;[OMVTKYWU.^CK@4;
M?Q)6CRZ\?VUS8EV,CZY)#E;&^IF16[@5C`(E2F6ID5+N$W=*B0^?VPHBEE=0
M1!%3$]^6/D18>Y3S6];#:R=T'R(X?U6Q#JK2"\TY8U#I5A4(?Y]>!$ZLP14I
M\9'G6MD]5ABZ*Z0<T[H6DK]"\2:]RX:7F_56"4:(>[Y=^+#$Y3KUV@,S(QHJ
MTQ.=HMR;U(^D!W$B:N0HBNJZ:(49D%S8[M^T1W'`6V@\E&YN_B]N"[9'8C^6
MOC7!!PBJ[&0KM?\`N5KKRI1KE?2ZK``':"$<L%@K=A29I`Q-3.PPJ%O18,_4
M61.3K:8B'E;TG8;65_</)3Q>M]5M8RT-RR'+20<22N"X=$ZM'L[,_P#,Z`\1
MJVT,50XMTKX[4@9`4S/F:93)1)C(2C;+S"W@2?S.W??-OQOK="LQ.OD6[S*!
M-OC(E)'4VY-_=(XA`M44IO6J9-9A<RW]XB)C6E;*JPI<AM+4Q2E:U@;66?;/
M)GDU`OY&C7PM'"%6YXF,*<@"+7:)+^I(ZO/SBED2`J<V%2@X9RWCVG"$Z7J$
MEN8A3CS7KM&A*.FA'>9^57CQTF90`X!9BOG[.Z3:J5?MO-+55)HJ;&F78.P/
MFRYX!L'5C%FB\\-/BHDB7'E%8$!UV.VXVG>`TT12)YG<.G]%)T@T%L%<&2G;
M4.FVFV\[N0N!/M7.^GEN3SX913]2=&QP3]@!MM!C$V8W%(R'FHD;UE:VTD7:
MZ$I;\S_%^9"6VB[2'69]<#'XPMSG'1DS;%!M**<@,%"`WJ:@A9+:5A=#K[V@
M$1A\U]$;@O+B:8DM+4)M9E;=Y/>-U3#\^<-V%)`-U>LB+/0F:WSN[WB+8JR2
M+U0'79B(=1J1[4%DK9;F&'CV9:&'9)(C&C,H4^XE&!1G&5\I.&K^P1X)P9-3
M9A5$N0J99`MGJM:+T2WV:G0OS8!M!NI[`'W*^]=ALF5$8>V]$DR642U1%*4X
MV%&9CG7DGP3H1FO4:@'I$LV;BGRHJL:Y_>:_*@C*W"JM@GFS`\Q51>JH)E#[
MX%F#Y9'4-DH@M&7#4_\`,G>P::ZG1D^4GCN@L1JY&RO0C(.794G`AGGUY&3*
M]!Y\*@VD_;#L,K5(J@M&"#BT62BP2=-!EKEM)9E*=<2G849%;MYI>-M4K<LB
M9(6<JA=(9Z%JJP>3="F6$B#5"(%AD;[!.JD13-H(@*Y+*0A$O;!1\1`=GML;
MALJ>T+M9,^K^0E`H*ORRH;.M-ME"J20DU--<L2(0RJ=`ND&E#I=Q/_ER?7J8
M@@^J8J'"+NQ'R;@Y]EAM2FW-H$2;.IORQ\=XI`R(D6R2*)UF+?9=I&E*!?0T
MVI`.;``ECNEFM<4E5(;U:I8T$?&.H+34L#)GUT5N.\ZXZA&PHSJG^M>.')V`
M78[#N=4'>B5*`/&2Y'/.B(/,TBC),G-22%*C5=\[1JY6]6]]TA-F#Q\9C<YA
M,IW6UQTX%&]#HM>6?BPPN+'1:HT.*/W:EQI[O.;Q!!"]B)MS$%W=FGJ>R'%H
M/DJ*?B#5J>;389`J8T/W+6VM."[9&0LWE#X\5DL]37;&,=L@)QY,<3^5K2D$
M#+LI9$BF3=HB56?6Z6@N3)QQD*3+>93)E2D1H_S.KTUL2C.B,\Q_'E^'*=?M
M$AHN(4,A3Q0:B='//3#\J0V)F!**X/H^I'2I($B_MB;L$S,5!:_E)2([>][T
M+M9..:=]XKU)3+_,C$BR0RAV-!9/":+<F*],L!6EO7E25V9^LQ0?UK=5BZ5,
M=<D:^EDN,PI"FYCS,=8C374OC!!@#`&`,`8`P!@#`&`8QDT&DE)H..6&2#0U
MF/)(B&9\5TI`CRT^Z*_-'H=5+BLR4_BVIQ"4KU^YO>9NW-05QQ:MOHZ:/X,Q
M4X.3@FMZZJNJ^1VY<N+`BR9TZ3'A084=Z7,F2WFXT6)%C-J>D29,AY2&6([#
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M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.&1_1W_`.9=_B*P"G/&
MW_+KP/\`L6Y9_48%@KZLNG!!@&L?D3X_D.\S^;1$W8S2JU7I/0(UU<K3PMFP
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M#4^/,R*CKGE?B(J12L'J=9:ON!&Y^N*6D6:NV%<:2>(IF6=#<`<EDBTB`PC0
M*5#ID_`GE4^;/5&N'30M?*1;JF?4!)2J)"2"ERK7:J;HW]3/IT^PM2ZU6>\&
M8P]A$Y,+U8A.R6)#K"UNAN9\D_`[FIF387REZZ?(9O,I\QTF`W/I\6%?[.T4
MNIZNV0LEBEHD"9E2L'024V%'%.0(3KVHR9;,EF,VW@;F6$)\5*,&ZZ#[##L-
MLT9`G;;9HXI6JIJ'),7*G#J,6:FG&:LS=WZVH,+8>^R_=="'2<>/.=CN28L=
MQL2NE"M7?`WF+$,SO[W?+2ZBBVWG%/"'[,)#"J[SVPU3IM:C<VA%Z_3=EV*Z
M.UU@JI@E*03,L>L;Y'I*(C;.Q=S*IKGZ=S=WCRK3Y%=$M9WH1NQVTV637B=&
M-16(QMLN."QH]HG\=J\T:3@B#+J9[U=&UF*4VF,S,CRFH+"E"[J="]C_`(64
M@I;U7D1?^E58\_<*Q=)R1TBE%0Y0A4-1W@$,F&M-*/0I8X88@1";"=ZTXR4@
MQI*%I6RCT&*=%0A4#].SD(*M[JM3MEYI(Y;-EK\F731?)P!PGS>UOU6:3YK8
M#<3F/W"S"43J4.6R6(JE69IME36B>T//:<%W,O.W>,M`N=NN5T*$;4R6O%>D
MUHNU!)0&8+4"2BA(6N"PZ*?<:DZUSN#Z*6MQ/\-[^#_"3[!*LA=4\-*%4[I7
MK?%N?1)\2O63=N;IY";5=UDE8ALSH+M+)$]PZG#/NN48;TJ?"B);GM)ELQX3
MD_4M^+IU8NYTH=TIX?\`/C:[GHM9[[,C7$^X>W$^X5Z.T!T_UIWMT@4(<C5I
MJ0\/<Z#-EOZ5-7+DHBRE1TNZ0AKV!N979_\`3MX6?D6>3)<([?LL/FSOU<ZJ
M<CL)49:.5P.<BJU:(YVS\U,FR3<H7RL0R0!D)$RLS?:\M8[3KVUI#<R^Y?CM
M19BZ"M3Q2%^SJN4RL@XH-BNUT2J!1NA\\Z8)VL""`#P@]+MAYI`;<8@1X<1N
M&X\RPRSI3>VQ*LU(*_INT(21`S:6:.F6'9-'JEI'7TL"W':Y<((<KE7"(.,`
MJ"W=C14N-XV,B#ATHNP(%NSYLB,ACY-M*&6]FR_'_%JH<@M\CH$:W7VZW:=7
M9=4)6*YSJZY))`MP.=!@\:7#K59K8Q+]?!<N%Q6'FF6EO;5)?D_-(?4YH8MM
MJA3=;_3OY955#5"[WT/WC+P"OK4F0-Y&HHZ9JH/5?KVWSC/+8YN0\X.3\9R8
M[(<(VUIU]@Y((1I+S"Q=S9P`?TX>*5UH[]N.VI,ZST`]1BYAP!R-9:(X9<M&
MXA^F3_V8ZD<WW7(ENDPH`:OJ'5EL<S&BK&N,M*2Z#DV7K=O&JOWFU3K00O%]
M&;LE;H5<OX4)(J\03?/V8V69;*.;)JD5>86`G`IDE*WMX+*&(DL/Z:?0XEF/
M\0E2C:W^G;RZJ,A6!5^Z+_\`([<N[19$D7Q]9!TVS1!?.AZY9*/RJ-/EL.5T
M.U]ZTXXM5L>6]]]41:>6UL7<SI=6\+S;O'.;<HXK:R(>=41'0J#(N]@M(L)*
M@\YZW.BDK\'U6!?*K'7BH-V2/BI'A1**H@7'@18@^;"BH4W@*6M63\QX-<M-
M(CCI-HZ,U6'0C`6QU2,7K[8NW;#GNDV6GDC$U586>B3J8;ZL6?A_;YD)E]28
MFIB)*8J$[#<_F5_%\"4.7PW-L/9.CV?G]I!!Y=V%DY%'CG+_`'P3=UW`=-L.
M@O.!`T17JS)%B71S0;8YUQUAUJ9J1'<VA0;M"07KPXC":H"E<8*V!GI=%+'#
M'/S)R]#:TT"*6RPLF#Q19%?*.E09.]1=R(:8SX60T["E/(TIM_X9+0*7?T)G
MX^^)T3ACP4\UT:VE+/NC\IIMRBPX=,$5&U1^6\]*TH=LB.'U"(9+2GIIE4[9
M:?-DGUZ@0(CDU4&-]*L'*OP-O<&(P!@#`&`,`8`P!@#`/-*V>*-[.=I[3VJ`
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M_$W%Y-\)M1FH4D[B<6J2ENV_>6YQE)4Z:RM\O%1LRC?_``\'YMDHIRBYUBK;
MW)UC';7[KVJ44VR<<XHG>*'V6J*A"NS%J=,[SY$%+@+M=^?G4>/3.@S&;)3.
MALG5]"G$9CE9';8%PZM)%RQVY4R:\TB%)B)E/;;*R>.R<">YV(WUC6%%QA2>
MZ"VRA38DMSK)W%)2HHI[E*BU\;'S\?-AM5YV7D7G)2G6.V?FC.N]ORJD5;<7
M&K;6UJKCAVD^7=YZ[U*(]OK]"YJ1M6W8&JSTA`R,_%K\+M\0!-J=C7T`T9A"
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MA\XX=?#!RYVRO62<[V=%DYY6NC46P?72W9A,`%"B2MI<6RC43ZZ1[(2M*0TT
MG:/+X.3N7J6XW7=NP2C&45Z6V<H3C31-MQMZZT59=6S<+%YB.RS6<K:MVIMR
MDI?K-T%.+KU22E/32K\O80L52_,N:7Y<TY8?(6C1(%*,M='+RIE8Z,2F]NU&
MFZZ*6'0I/6!=03SFSP7(_P"2D/#9PP;(97MH<,>7K;FO._P487FHXMR3N+8J
M2@E:TV)OTW+?%U]6DE*2:K.:-&%CF92M5ED6TK;WNL9MW?TVEO4=DE3T]'%-
M/RQ?7T(\;47]GB=$B]/$%PMU@PB0\HS8#A`^=(QH!PG#"V,S+*V.X$H)2U@V
M8Q-\<^6)NB7)>X2I3^X_R*ZUROX9\A<>'*,L=M-42254FXJD8IJ+K%248[J;
MJ*M#L/&_B%A064FKZJG5MMT;I)U<FMRI+:Y/;7;5T+RSCC?#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`X9']'?_F7?XBL`ISQM_P`NO`_[%N6?U&!8
M*^K+IP08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`C\^UU@7-T.)6`-`G[TUO4*82B1Y6]/[]&=Z8
M==0YZ.[_`.[^'X_O9:,&&L_2J/2BXX/;;&-K;Q.NV6U,SC<AL8%8!U(E4A!N
M80.35,"AWTY"\#6T)?=0I[;^_9I7L5Z0$)MWD1RFGG*76I%F@G;!?X$DQ6@U
M6GB3A.97V`)*Q-V=4&.23*U69P\4[J//2A<5YWVH2OU5K!:,F9/IM'#OM)(V
M0/%&[K,ZWS;$^5%LUH/7X;@=#)(T:>FMQ!D0JDVVN&ZYO3,AMMU25^B/Q"C,
M'2.W<SOO/A73Q5I$CZ@6'32S!$\3%B4QQH]EZ9*FSEO3E1HL5`QGZWY-N;;^
MB6E_U^-6E8#36ABYWD#SB&/O1=DA++">?LT646*A&&"HTE#Z*Q`E5B=79T66
MN,:@R8Y)I:G6U:1I._5.U:_="C,15?)ODUKMEFJ#)V,#GU)//(IB19S-3"L-
MV;J$8C/J5(;A/V-1[=NG#A^GTQUPT-/)?;1'=>=2\VR&UTJ6.4Z920!J0#LM
M@%5:2W+`#H4FS$Q@*`<*V7ZG0L0`DD9C'W8LZY%VC<=K6W?>M&DZ5M6!1F2B
M7NCSW)[4&Y568Z*)30Q1N)81$AP:7&S1PTB*GH9F+5#)#R)>)'?8<TEUI^4R
MA2=*<1I0ABF.L<LDO*CQNET"0^D26/J88N5==>2"`S'!QPTIMLBI>A(4@RMB
M7)]/AC/(VAQ25:WK!:,^%=9Y8F.*F*Z7S],0Z#+V<)*5<JYJ.8K5?:V^>L(I
M_9+XB`,(PG:YDMG:X\9&O5Q:=8%&3,<1'F!\$L(GPB@HG$C$!I,=*8G#R$"8
MRB1$FP9L9;L:7$E,.)6VXVI2%H5K:=[UO6\$.[@#`&`,`Z1`C`$Q'9Y.;%'P
MF?9IZ7,?;C1VOD6EMOY'G5(;1[W%Z3KUW^.]ZUCJ#$+M]:T#+V1DS!FA04.=
M.*SASZ"#45@=#5/F>[4/;RE.M1$^_P!FM;7O6]>FOQUBC74+7H47!\K.=R:I
MS>]3Z]U2NU#J)@4&`V*Q\TLXL6*59"``14"5NDKB.)JH>Y&;1`B#)$SXTONR
M/56D-MNK0+M?0[-,\K^)W:BWKI,.PE`=/YV%B6NR$K=5[%6']4@N'=L-8O0H
M65&L%#54N(1A;XF1%9=5.VA3*$?4(4UH-KK0E8GNE'G5V$=,I.T.<5C6>:$I
M/1Q*Z/T0_#J,%PH9D!*2?=B'":&1B-2/1MK:VVU:^73:M*2D*,^U`[QS/HT,
M?)#V&*,DF)IF"%"V63`"'C:Z\+'&3CX81)FJF$X@@<49=DN,I6EA.][7[=?C
ML&FB3B>I<R/?E_[%T6B&OS;*)0:K]IMU?(_F::&BIG%X=?\`HR#WWJ4*A+T]
M);C?(MAK>EKTE._7!*,A@OR&Y<3*],A.&GP87DIIJLW*^6F$[5N=1[/[HS<^
MNP+H>W`"D2P:1-8:EH;<VAMY]+>E*7[M)%HR<%NAU`/L1N0:'OLF)Y&$W*AS
MQ[\2"V&BDY)DH4D?5H;A"`[@M;$N1OU1'DK0VY[=J_`0XHW4N93=5M4/HM$E
MIN6R&J@J-;J^_JU[$2-0RNJWMH@O1W8R6K34CZ7Y?A<W[5^U7X8%&?9_I_-8
MU;&7*3T.C1Z@:D(B!K4_;`#5;+2W'GH[<48<<()&3Y"Y$=QO2&G5JVMM2=:]
M4[UH6C,(#[5S,X].B?FT*%)P2_0Q2@UC+"@IF4WRVQ%:S=#<$9,G)ERZX*(!
MGU+FI3\*&-:6O:-;]-!1DB#]&Y[87@<8!>Z:<D6>"3*5M@/9PA-ZPC`DO4`R
M1!M0ISZRT$1.WIF4]'TXW'=_@+VE7X8)1DRP!@'#(_H[_P#,N_Q%8!3GC;_E
MUX'_`&+<L_J,"P5]673@@P#K2)D2'\'U<J-%^JD-1(WU#[3'U$M[UTS%8^52
M?FD.[3OVH3ZJ5Z?AK*HRE7:FZ*OR(VEU=*GR_+BQEQ6Y,F/'<FR/I(3;[S;2
MY<K3#\K<:*EQ252)'TL5USV(]5?&VI7IZ)WO11DZM)M)5?@N@;2HFTFWH<$4
MH,G/R8T(C`F28;CC4N/%F1Y#\5UIQ3+K<EIIQ;C#C;R-H5I6M;TK6];_`!UE
M<)Q2<DTGTT(IPDVHM-KKJ=E4AA&WM+?91N.UI]_2G$)VPRKY-I>>]5:^-I7P
MK]%*]-;]N_\`LWDHWV=2U7V'+I25)TK2M;3O6E:5K>MIVG>O72M;U^&];U^_
MD*<$27$(18TZ!*CS8,UAF5#F1'FY,67%D-I=8DQI#*ELOL/M+TI"T[VE2=ZW
MK>]991E&3C)-23U3ZHB:DE*+3B^T[&0HP!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`4#>^)O7.XHM:+"R/2EL4CZ)8Q<
ME7_RU?OWOZC4YG6OE_>_@?P?].9QG14,6JLQG<O'YGM-EYP:F&!\0=1I@R5-
M"D@2#48ZV.[;P'KVF7-/3&&&-+3Q)4/7O;=TER>A[T_D/8Y@9IT-1X'Z>=A&
MOAQL?H="77A<R18ONDGF4EV^H.O<[&<Q:K@X]^:TPAW.8(0'&F-#TQU.?6..
M(]^FM(P9;C.K\`R<%"YXGHE?FF`O0#EOID.P4F1)KL6JBNC<4MW(.5'XL:Q(
MED:C0*SQU`E3C:VW'GYVYK;;:FOA<$W$>"^!?7*O7@-8K?9N?B!X,7]V^I%<
MQ,AI\B[2.>@>:E1(Q<.]N,57G1"M@5--)B(49@:GKW'EH<C,.;%W+M+@YCX<
ME*%R&X<TF7T>0F6UNB>I2&!+-PQ:Z?8W[`XRRR9M!LQ/CR4O?3M+DSG9"4HT
MMQQU>]X(Y5=2J#_Z<Z"\"EQ7KB#+LUZ:#C'P\P;;ZP+M5=9YXQSXXU-GT2Y@
M+`DJAF-J3`4N2[&;2X_'<;5I[3S8N\N7MGARSV*^W&[2+2(@+L?.[/2Q<:?4
MF34BNEC_`#T]18MGA2Y!%K29HO9M4A'QH:=]J=MI<3[MJP12HJ%1.^"?1TEM
MNBNGT4'5W;X<GQ:8W2K(8'5#GQSK'$NR%@U/*D[I]Z2>L%RX^_(=^N>E#1JC
MSJ84=N/#9CN0NY&)M/Z=5DL@RA4[?4:NQS^C<<@\UA`OR*299;(;Y1>N:6>4
MP#&VP?5)HNXS[KLU,62ASR2'651&I"&'EJP-Q)KAX&'BB^I1*Q?*>+#=8<<(
MD-3:878.5`C7>]WSO%*%TTU7;6&DCZF9GW?8RQQ$?`](;87)B/,.R%(11N-W
M^-<[B<GY?3.>PHT"(U61.HKL<7.L1(:B;)DR"!+<&=;2QRR2(KA"8ZIO<N6\
M[I.]:]=:UI.ABW5U+-P08`P!@$.OU55=:J3K:)J1ZB&X>]2UQ]RDM?2S8\O?
MJQIUC:_?ICV_][7IZ^N6+HZD:JJ$:Y]S55'JYRNO3X)S[O(F2-[EC-I@*3*'
M,0=Q9L%4M[ZN*OX?Y1/O3[T*VG\/W<LI;G4)4-/Z5X=]%J9.CL-6+C(SFD#M
M,SM5MXI3*!9JKSB`=@U^@U>CPN?#6+?)8%":KNJ$+*Y!D,;@S;D4;([::^B;
M;=Q,W)?,[]$\%!U>YWY`U*;8AP`KVV+4@P9VELVXG7^8@>707&>4P@4'H]QM
MY.=%JY5U<S[<F5!#M1E('Q(L>.U\CH;M4=F]^*W6>M607:N@W?DS!B>(H(.X
M2ZSSVR:E#(W).AV+H].F\OGF[I/FU.9;B-A7!LJ9*YNGAS3;;"M*3M:@4DNA
M45E_3C7.DS2D^\NV&'(YS9JM)ACXUI$'0A1->N<.LV2B#Q]]#50J=^JN<IN3
M$/HD09#:&=:6U_*;4+N,;P[PXO5EZ+7N^],`U:D2F>F&K*YS"$(LM"@0QX<E
M3B]+MX2L4GIA00*L<L[5%.38)J099E1=QG'4-+0Y&4#EI0NKK/B-T>_7GK%P
MJW0:1SZ%T2+3QA*M@*U<8$/HT2ORV5NF.M3A%Y%S7;B/%(T-@E@&Q)%T:A,2
M7(>C:89C"*22*[8_3BD(K-AK$OJ(HA`(U,!5`,>11%;B5V,O@]ZYATI;+#ME
MD;E,=+Z#==VB8TI2=)5'U&5MW>_GU*%W$6ZKX>W!CJ@\52:K6[E4>I=+`6JX
MN'^>BORES6F5;J!_HCXD!8&;X)*5Z:<8L<J$28B"9*BS>X_P+C+T^ZW0I:%A
MWGQ/ZZ1XOX\<=C'J%<"-*O/34&;%<JG,LE0I7/;CQ_N%%`"!PDI9X]JL#U)%
MWR`%@$)<Z42GZ8^6<I7SR'4`FJMD=N/Z>%OL[T`$KLP^7S^`,Z?&C!S]5,SR
M<25T0%W6M3G7?H;<.!61PN-[%%40?+1)CJ%!5MP]1D$9"D!N2^)>E`\3S'.>
M^-]6K-KKH6M2R72)=F`B*[/AD+,`MY0Z:J]"E1U&7:M!"TFPGG2T8E&@M%=R
M5/Q]+U$F/HP2M50W;P8C`.&1_1W_`.9=_B*P"G/&W_+KP/\`L6Y9_48%@KZL
MNG!!@&D_F7X^&?)!'&*/$T/B5Q%TN[EVL9&K"+A^5@!GC'1ZLT8#C#)*!''V
MM!4Y';$E$HEK&3EMO_3N)3O6N?X+D[?%._D2J[OIPV14G'<U=A*C:3K&B>Z.
MFY:51PO,\?/D?1L*BM;Y[FXJ6U.U.-4FU256MKUH]:&JW0QODN>L(T4;JWDP
M[3^37HT[#L?/UT=-OFOO$?*P33['2R<\DF:?B-T*RTR$3D;:0O;$OXUIVXV0
M^+F<6?$VK3G;GB>O>MJL9[]JTQW*,TE1/?&ZXJO5=SC7B<F/)W+BC<ADNS:N
M.CAMW=;ZBXNNOD=M2?<]=5*GTK=!\J*H:?*6VM=`%U^RVT,8[,2XNW3D=!*/
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ME%*E:5W)LK+C-)\[`(/QHYW;I=VHPNM"8M?O4FLC19*JM[@-<UAUVNBV`)1J
M:`J2>-L$!2IA%3ZQ=Q21G*<D.($N/;O/R/;MRYEY5E6[DYRK#<VI:^HY2=51
MR]7;*D:;K6R-$MZ6VP;'/6[6-C7G.W&,4I42<=-B25'51].L:NNVYOE5^2NR
M?AV+[I53E-J_0&NQF:M$\:.:CR!#J,Q]E5$Z15QU;$6.M/2WIQ%OIYJZ%WRA
M%1O2TRAS4'<9U3T:3`4GBN<GQUZW<O8WH1O/+FTK:^_"3DXRZ+TU%;8[.DJU
M5&I')\/'/M3A;R/6=K\-!/?^A.*BG'J][D]SW=52CJG$]$LZN=A&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!K!TNV]2%
M7Y`VL:+_`)>^(+M6XE>00C>Z0YZ3O]M4.D;UOV_][^'_``/]&:D5%QUZF+;K
MH4YY?6#KU%ZSPGIO,170K6.H%([>_:>?U%L].!7=^Y&>*<]JL2P!QB5CR)&M
M';2DW%6^G;\4<-).,[2W]3O-,U(T::9JE5^C>3G->/Q_'INP]6(=);J/48X3
MHQ"@6V\70@Z!`^8A&?<]6H^),!%RW;K0:@T,9G;5_)DH<=AEQ,V-ZPRT;KV%
MAG/+'LPN$;K$*3>3,D?`+ZC=!@<;,0/H@1HIXW1>6]%L).70C=6AC#0RZ6B5
M.1$#D9#:&E[2.3N$XA%^!*(S%<&]4[5XSV.7=H5HJMGZ5Y$>(UFMX3=-ENMO
M@CD7Q(D])#-U2ZBYCL.F)?47;(LNL:1%:8E-R-)]DE.!T?R?^4P#WDIY5W"#
M-?IZ#`*10>>O6*X,.\'LCNS72Z;SJX6.R\OC[L4.#K<<C<!4`?(>&ZDO)2XM
MB&]I]:74042(9'[MY$#>O6:[$R-Q?5JS\EI%RYX+XY8(I<2*1U[R.&O\OY*3
M)5LA4;M8?LJ*V5(D):VW)01UUV,0C*FC4-445#VFP8#`&`,`8`P!@#`&`0#I
MY*P":28GU;ZG9QC<#Z/Z2%HA(]'",5J1[(BF)&G?]G6OU_@;]-?C^]ZYE&C=
M'T(^FA3T,WT<YPKK\HM]^3;F:O=V:WN.,>$FM24TYUP9L2S!BQ)2YNB:_P"0
M6TG;GR^FD[]=:]$TD].@CKU-&Y/D_P![W6^:*Y5)LQ9#7`Z0X*#&..74W(Z#
M<V*7TF/UTY9;&:%#BH,SR,W5@<C4!U<59)Z?MAS4E9&)N/B:B2[>\S\_O_DW
M2[K4*C<K7.8A0^N<XHPRQ3.'R6('<MWSK?+*W8PA0H.C/`^<_D^GW60H?-96
MPF6YO3BMREPY+2PHNPZ?=NQ^8M%OUQ57YJ*Y(L`WB"(]7G!I=VY7RB//K_D"
MX9L0WH`OE/WNQ0;1T:I50,94^/6_#8,Z;8;B.N1)B02BS.3>A>:QDZ`BQ;=+
MJD8W>K+`)MC^&1R\,*`G^5;7$0\>"0-)T[]/6>5,/62/.EH7N<\ZW-?;^W(5
M%<@\J+5/]Q[&*%>,1FR,6NMQ+?Q.??KW#IO)YEH-WCLH^NT@D.X<Q"(,S&>>
MR;.V5-/Q6Y:XLF3)@(CHFL?"^E^DHM35\/Y->9)BAVJS0T$G8%6@Z;BEG.6$
MFY)L-8^M<P`3[P^6F<^#QMR>5<YLQV9MN#6GH4ET9I]UN9'C/;E"TB;'7NY>
M1;M:\7IHIP;'Z+=J.$%7V]TZGV&TUVNS+CV#Q?K=F.APYF,)'QFW:98CL^-H
MP/\`6)])M_;>F(TEIP2BJ^XIRK>6'D8')0W^D0S4@7%@<N)V^2!X[:'A5+`3
MZH<#'F;6+B5IZT0^C7#I>H,R&V/?*"OLSZ6DM0WHTE;XM%V'7D>2_E>,!<\-
MDAUI6?N_5JG$C5K7'B(P#%I@X?PZ%;:N74S5[+:56.S/]$.%8KBE"&(L<'+V
MY,8;&OMS`HC/5KN/E9`7SB#T(Z9AP;9'J%OG6B+PQ^.YNXV>G1"H/QVD1X\4
MG"J]?L%A;EQW;!-:W-AK9U$<D1WY,=:2%$;/^$_1.S]0Y!(M7<5!TVJ18_CC
MP!XDL")U]IRKUB<?JEE%%:S5_I"U5N\TK`:2TU)]H]B,B1*D3$275#&22>AN
M!@@P#AD?T=_^9=_B*P"G/&W_`"Z\#_L6Y9_48%@KZLNG!!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P"I[3V*KU&QIK!.*:=(*1!7IR'%BNQ?0@KVL_RCDUESU3O_`+W\#\/WO7,E
M%M5(VD0[O7?&N-2^8`QM>;MUGZ1TBA550E1E(5NN4BQ=#I=#MG1B,I4$AMV#
M595Y'LL14H2L@2G18VG&D../M8F2537T%YJ7,S#20;Y$#=B'+%P`M4U,]"D-
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MF:(?J(>.`EZ+'*SKL->G56SW*#%ETLD@G.!UV/T";"?@@4J78)SMS@<KL$@*
MEF(OZQH?K:]M;E0=20V,XRWZB'C_`%L&;-6Z+TBF+!DG13@6VTIX$:(R1I#I
M`NTK#L39Z(A&/3)W(+*@@M#_`*+V*5])]5]1#^H#:S,;\YN83CX2OU:H=2M;
MQ[J(/FD`A`J6AXF8R6MMWHDV^C)IL@.^Z4:O6V@3H<N2TGYM^K3K+3K#J'=A
MM?:9>;Y0NUWIG>JI<JQ!!`N-U^MGPH_[N^WTCHX`W&KWS="K8D^/KM(?YQ$/
MG'PCTQHZ^X/)C7$SM1=/L)P*:(Q3WG1Q&>!K5AK1R7+'G)$:=)62K5H8<B5?
M0>CV1\EN-#%2Y+$DI7NABWQ6GT-L3MNKTES6F7=I#:SD:\Z>-*8K[LD)U<<^
M8)AX!8=-YL<25HT6S&:*#J1R\CX_U$D,%M4SI(94)QO4AW;,I:W6VM19?P!M
M9L/R7J%<[1SRL]/J#1-NK6^$HI7W2[$6+,FBE/NM0R6XT6;.3'9(,MZ>;;<6
MF0VA>D/MM/)6T@1JCH6-@@P!@#`&`,`@]AYI0;99:M<+-4PIVRTE]R55"Q.(
MF6^#EN*0O4N$AW:HZ9<=U&G&'5(4Y'=U[VMH7_"P*DXP!@#`&`,`8`P!@#`&
M`,`X9']'?_F7?XBL`ISQM_RZ\#_L6Y9_48%@KZLNG!!@#`*\Z;=WN?UI)Y@>
MT36HE#@?3/2514>V4E]6W/E0R]OW(^+\->GX^O[N916YT(W0J.\=[,U[QHZE
MW$771SAJC5*XFQXF9)E2`WU-?A//,3C;\9,28D%!VGZF?\6TN)B-.;0K2O3>
MDH[70L?-0UG=\G+_`,YN@FC3;26[%8X=K-\^),6.LT_EH2SW6\%/&89RJ<*-
MU1BVH&\S:3U]^:B>EJ82^E?VPZQ+DM,_)B9T3U_+M,74O/*SMG;[8[I5`,#F
MDH]#IU6=DWIEV93>G">,&;D7I,V!6Z$6-V*F6.S4<FP/L,=,LA*D3H;<80XA
MWT;@V]W4M3EWEH1M('M_3;=!CT^OT&DUB;'I5B=*P6P%R@V[KU"LH>47126[
ML^W8+51([,5#P'[HC3B$:&HE*7&W:D<>SM*\_P#R-28HPF?+<.GP`58"G6K<
MM5V=B'QM^",^1GOJ\"LV&CUX@L*J9XX3VGB)38>9$T3C;=':VU+0P+M\3FL7
MD!Y`[Y$\1;8>&=((>9!3B3P;FB*)T,H)JL,R4C[$4PA?6.>5(U.:A#$KW*,,
MPGFF5.I<;W(;2G845?"AGYGG'9*Y:#XL]QKY*'3C9X&8O;?2!KUMFQ:I?F>5
ME"[7/(=.:@))2KC(;6B$@QIKZ'3KFGM.I:C/";?M,;5O/>XVJ!7G&_'4B`(6
M074)@UJWW,[4Q\Y_I_1N<\WY@\*<L7*QEA(5HN6Z*G9,I]K::A*%RVX+97UB
MKD"[5WF%!>?Y^8]LCOE+LV*Z,W:K:*?Z'7VXG/*W76>5"K4W5"8JH27^BDGB
M_24/1&I&X#4G3#GK(C(4VC0;"?N^65YO7%_)*S5.H@^>6:C^/K?8>1V$E9HE
M]@$(-X&]:8YZ8N5:8%UYX"3%D^:_4DQ&WY37QOZ9;F+4ES:1**J^)48KSNZ`
MY;+"2="5DK6P?(ZK7(E!2U9HAP_Y3AK(S%[33AI>IU7HMD=;I\8J@<W!8!RM
MMS!,YQ]UIE"W6A=J,I_C\,DNI<+;9HTD)0.KS>A5,'"D'Q4M1TF)I_#.B-V>
MT%?L6FJ5NO`+>8@"Q<>5.DV0PJ/%0E"Y#"D*C;H^\LWQ_P#,'H?>[MRB(WQ%
MSGO/^AT/IEZ69N!2WP+#.#UT7P8W2#-+&&^>UEBPB"3'95P"[GJB)')P'=09
M<Z.VA^4(XI+Q*BIWF?UJL<M,7NWTLQT(Z3-^25J%C+&4Y[RFJ1>5>/)4_HY-
MH!BNM74L??D#VX$>''L#(Z9*D_4/.N1H[?N5"[56A-^B><A6-7BLVA4UI%H`
MU[J=H@B;!8H+5?/.T,3Y>#X(FS2XP.>:#AIQ?QG<G;?A-ZD[5(;CZW[&Y&U4
MBC^7V&QW)O(.1TCI=[Y(0IF@%OY4-@2>C+AV%LV'#S+)J!.H;(Y]P2)FD(5V
MKKDLC'==8C+8;A[;<;VM7JD1JBJ;*X(,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@%<V'E5,M!S5B,0)3Y1*8B-/-$9L=OVP5>Z/\`R#+R&OX._P!W
M\/Q_?S)2:5$1I,IWR*&^)IXYS.M>14+FTFUEK"#)<O7;A(^38T$:GT"A&HJP
M9AV!)G!POY[W7X\[>WF(4E^7%C/[5N0VA>)DMW8:\T`IX8@::0/'#I2CNWL7
MR+K\ZLW2V6B?)IX,!U(-=^:TVEOZT[!8KH'K%YCN-A!*GE(DGFH[C?P2(K6A
MD]S,O2N(^,_3'[`CEG3)A'H$>FV3\L7ZFRIR"'/.9]GF]#N(NE:>CI;KI$5#
MWUR3,CAR/O?2VP'DR(_R0H3^A&VC:,WXX\G/1Z]$F@IC4:J5*HTFO,P#14>V
M+`42Y5*^U1F.B+*:3]2'L]'&OMO;UMS:6-MJWMM:TJ$JR$"_#?C8<)5ZW#_.
M:0%,U98%;$JMQ+44=5+.Q5&7Z)ZM::?F5(6NC"'834A;LIAV`VK;ZO<YI8NY
MG,]X=\46_I;`^QP8K_.'^4FAL*SDFX5EINUVAT;$.;<6],>G`7;H45#E,O,/
MH^K]KBG$M,):$W,Y[5XA\8MD]!J2/L(NR134VPBK*%LI**8"%B=PZ9=2LH4N
M0N7"9T4)=@L3#[;C#C:H1#X=)3IEC;0NYF3>\6>1K(#"\:!8!I<-9$6L83'6
M<PQ*BE]]4LO8I:D^^0ZPY%)6ZX$TR&5H4A<"8N-K26THT@2K.GT?Q2YEU>U3
MKG=2%^)'O@$M55U%U+,0^;O"[#3;6Y.YZ,0K8\%-,6+GP:7.4MN0F0N"G7M2
MA;J7`3:5#!P?"7QZ'PI4&-6#/QS:?R>C2W7[A9Y4J0`XJ#.URB)=DR2;KVR,
M</8'69TOU^I)_!&5*6ZJ,SM`;F0CJ'A:(MEQH1BDEE4D6-ME'L'0)[!^[?F*
MQ"^;G.4'JW6HL:"=B`)PYYWD(UO>Y[3FX+JWI+6G%/2&7A5+0V=Y1R:J\;K4
MVLU-9F4T6LUBN1TM82KY@V>M-K(N%#ILG,=2TUN7/E.>JM,M,M?AZ^WW[6I0
MC=2S<$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'#(_H[_`/,N_P`16`4YXV_Y
M=>!_V+<L_J,"P5]673@@P!@$=L[]6CC-.6]09(GZEE.MG$15POJ]Z7\&M)EI
M4U\_II7M_#U_=],JKV=0Z=I&B%LY?5.=V>XRR-:&\UK88\:LY*-'8=!0PXN&
M]+/O28D!A[4K2(C2_D:0TXX[_P!S25*WI.SKV]0M>AJY57O$H96DU4MX[@.'
MTRY".F6(F(Z=RBE<TKFJW7$\QU:3MGAS76X8@68:,@4-?5(:6C8Q##Z([D)M
MI,,M>M3*`I7@Q8[E?*Q$K'CY'/TOF082:DS!/,(K)CAQ:B`3\28&D(=6^5Y'
M`J9"+'<D[0@6PAO;2=_&G6]AYDC*+N/BI6N:]BB`J-2R/)J+R<-;;E#HM-JI
MNE77G=AC78R-'UZ&"^87<6)+@\HKX/9\*Y,Q6TJ4IYQ6":U\3.41'CFL3^6]
M\GH_*&HHT<E=%NE6YQ5YK,8TR2%?;WJ_!GD&=.:_:?)AR$*U[5N65;>MN?<%
M?*#J0ZZ&/!BJ\=#5*:'X`?Y*=Z,)K-:YW6HW-#`*P=*GW<'6I"`%9:E,C"]K
M!66Q,/D]L:<(1?5;KFMN?@IH7S-^)9N['XT`;*1IQ1OEU/.@K6"JT6'9(=6K
M&R]M-LUKH(@;57"NH>["6<FFQLSV1/E>T16VKT^;V[P37J0@O4O$6;3S/'ZC
M8."\_P#S(<(\H:'5.-Q.5.8M[9>!92W/8E2LX>Q5V;8$$-,OOA7QK[[.UH<2
MRT[IEQ`M9=6=?DHSPHIM(A\]I%PX+91G/J$0'F9DFT<P/&VJ;7=`T64K;I`Y
M;,>*(B/C1ZR"MLQAT13,9&FV6VF&T`]U:NI*^+^/7'JGKJ-XJTP3T(?Y&*@&
MK,6^T<WU5+/6]ZL$T1$B0^>U2MUBPBY2;?/>=(2FILTGN8I4B2\G3>DB-MZ/
ML+0/<4X[:1T\19.5<Z."BLZ<4)CBE,KLV&0)DSR;23(S8[X];4J<3LJ?N$EY
M>E./S/5YS:G-[5@59W=\FY9N%&&_LWHFA\).D0H.JD!3$A)U)KDU.H<?4#34
M7XYE/$/)^/2=I=%Q%Z]%1F=H$JSJUWC'(ZA)$3*KS*B5N77RMC-@I(.K!1;P
M4M<(C$"U3A3D*&RL>_8845EF9\6T:D-LMI7K>FT:2+5E;73Q`\;;Q2KU1)_'
M>>BA70Y)LL>F`:;5QY5NUG1YD=*O`^2H/(9C7-EL_+<;(*:6[IU]>U>[2UZ4
M&YUJ6#%X;Q>$0LQ:)R7FS!6Z2ILVX$FJ36T3[3+)0+`+(R+!*2-T\7<GC[86
M9>V_M?R-E)FE>OU3_P`@59Q<YXU3>8'+T?K4=34V]R*JW+;^D#PH82NT6K0*
MC3*:!C!Q8Q+%:K0N&XJ,B1N3(2[+>WM[:-MMM@W4MC!!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8!J1W;Q[LG:.K<Y*ZMRJSS4/0+Y6.B#H,(9.
M+W%HWT/B5Q%5IAPC#>="0)K7.IB),^*ZB0RVY[$(VMQMZ.*G1%9U[P`K(+HM
M6OS_`%2[FTTR+3H]>$%1]=D.0DU2P\8LFQS1I4%4^+5Y9'BD1YH7&U'CQI18
ME(]777F5,"[G2A;O'/%\=QOH)*[B;L9G1)U)33G*V@6,#0B[OWUHXW:+I(&^
MS5PLX73:X(B8\TT^.&RI,;WO-N-Z9$;J;38(,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8!PR/Z._\`S+O\16`4YXV_Y=>!_P!BW+/ZC`L%
M?5ETX(,`8!`NCTC70*ZD#LEL5[2,2?\`5:BZF;W]*EY/Q?%M^/\`]_Y?W?=^
M'I^YEB]KJ1JI7Q?@8JQ<-NW$#)Z=L==0UA$O6`=%8B$A+QIM6X90?'D+FQ%S
M0LW3<AK3NELN.-:TXA2-[3NR>YU+'RFL;OA%>2Y(Q<['UBG/WZ5T5GJ4!`3F
MAX?SMVV"B?`S4!\O4"O3CY%4`^8X8F27CQ"4;3CI52XZFG8R77L#+=]A'H7@
M!=P[$N*`[B"KZW9$NY0CH/ECHBUC.E$.;VCFQ%D>=A7Q#D'E,H7=B6V0T=#)
M0>W\"(Q1"VOFW1N+%J/A)]AXKVOD9:_12FNUT,Q2BA!BMEECPS9VT]8LTU;4
M6S76TGST-*>I+B>A`J_+?;A_(](<<>5M(;M4S&]`\!*Y;+D$/UNUC:#7*C>:
MAT&G4\%1ANX(4O4*+&YI%$;>V29:567JH1,NIC,,1UL&I`T@ASY1+*704M"O
M:U^G+/JPJE#A/1JBQ)#*I@:YE9U#N%HFVZL<YN'$K/5B8I5QZV?<IE]E0.&#
MADR1%<=$MQW&5Q8#+D!CY!=Q?'4/#V'TN[WRZR+BQ!D7$):Q4*,_58Y-=>D6
M>L\2KFR,28X58=4]#3QS3O\``2RIS1#:?<GX=*<$4J*A6CW@O:)$6H@G>I5%
M-<J;!.DL+:Y;(;L\GE<SIU"ZU$4@PF\ZA#^PLV"B-Q95D:B?33D/ZFK'HEL-
M[W*%W&,-_IRB2-8C@A?0HH"7"%T>/%("*5]HTZ2H/,Z31Q;LY0&SARJA)$S2
M6I\R/'F1Y"F)+K#4AISVRM4;]3>CD//8?*^;U6A0F!D=`&%(U)0%58U"W"A,
MA,,F9,%5OL=NLVV)A<@^]KZTE,?]5_BYO\-:&+=74LC!!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!PR/Z.__`#+O\16`4YXV_P"77@?]
MBW+/ZC`L%?5ETX(,`8!5W7B-M&5-,FEI(*,_=H+>]#("2,GZ-:9&Y'^SJC2M
M?'ZI3ZJ]OX?]N91I77H1UIH:^]>D=+.>%?D%M^/;W[_(Y1UB.&C!AI2)<'Y'
MY9*(&-`8-?C1S3A1W>_2+J&C<IQS>M->J_;B=*^7H6'55-4(=V[USZP+A<8%
M]<#<+L72II#A@&S\UN]L(VK;"?'T(0YY8W;X*)W+D?)#TXA>S(J606&<9:C*
MD1Y#`R,Q$DXF>CZ]3IS.H^?E4K18^@A<+^1F580ZR$G\5#@6*Z_8^9B[K8C@
M]5=II,U+*\^+HEPH$)V,3V^XG<9^'/EJ:;T+2)EOVJ>5!#8T+:;U?-L?0>.E
MT>N?'.5%MB@=99[M0!-[AW9N\\#!%"UDZ#S\\_/?4(8;AM#AY1#@<2F*A^8)
M2)=7C7;.ME&+K4^AINE-*`N9#=4'F$7FLX)4Y@*34*U.E7V/T"97Y<M^\*OI
M0H(4%^]-*@QX;:U#U;4F8Z(Z=AJ1S#J79N7\H\:@=<(V.I0R;7(Q=G=A\%Z6
MF+=^K6WJW'J)?J7TJ?V*)8K'3"0BE'Y<K[U]<*ADB;SKS#CJ83L18R:3>I(C
M'6?)SI@V)8]1>MT95.!TELK=0/%#H&V")L4IX6%.W"1`NR4PE]X%R9Q&Z,R=
M1QDSYFA<EF&M2(CGJ%(_E\S92N]N[J_S?RH,G85B)$^-7Y_BU3?J55&IL!DB
M(-)DD^P0H3-:NC$D&W4;^&?FLLABWTGV`AM@?)=W],X,:*J*#&=I\[7:1J[O
ML6Y^;]FC55563Q%?L2W^R_H]F+=A:BS:?7+B4L\,S51NX@I4,=`E2)GT6QB)
M$N.RP+2)FXT!Y_Q_Y'(Z<QVFXTLAYJ]Z/V\@WSSJE?O]FH)HQY,RZ%92U$Y@
M`$W09`,EYP"0/5&'0HJI#L*2AF.A3:4.H[=.XC=?Z3YP@ZV$I<B?TF'?XM0!
M!=!S?(T7-(BC2N;5TR.[(>Z,\'E#+3V&!T0@Y6BH9960TZJ._(5!5[%$%BTC
M\CFLO5?/BK-CP<(P7,-E;;IEWHEMY(H7#KFH]M\DJC5@12!SWDMXD2ZS<T<T
MJ$PM*:$IDM[.J^GG"V2(_<4*19W#M[\D+42(Q+`6Z<7B@[%Y%TY0H-RJ9'Y)
MU"6F9R>Q\VB#XDSEX2]"H%+K#QJ(A^;-WI\V,G(9*DF5M)5`J?P%L'977NQ^
M*UP%%I]N)]:+]JY(&ME-LW-;)407/$*[US?\UT@4S4XM+L=\Y0&J'U"Y1F.9
MG;*B5/O[(I8<]C5,=$_`K&^W[R]Y%8K'6N,\ZE%0([]IZY[8KF)N<$?L=>XU
M4$<)0%($)I`D^&Z9TV#,!DEH>(K&CH3#BUQW'-RG1:)JK,<$N_DW=KIXZB>A
MGK<8!?M&Y[;`;U3X_9U!;Z`;O78XUG)]5MI/D/,Y%!/\V`!ZREYI(VMP);L[
M:TQIK<QK<<**FA9QH_Y5U?H-YF4+\X2JZ.ZA+)P:84IB"X6_ZMO8J-1TPGK8
M8A22E<JP&CD)I%G8I^(U'4U]6\XJ*T\TX"VM:E?:[QY4H$U"17C_`%:TV25S
M^O%=U^Q>-,JNQK%T$C)Z(QW.M65Q-$$;I$?@L40%?K[&YC+AAV5IA<HZJ0G;
M047R,>=Z;YX4JJEGG;%<;>N66CB)]B(<;#`I=#K(XQP]9*\BV*ARZ[.$I\R/
MT$^PXAT`;89AB4O-P_=!GOO0+:V>K?.Y-GF\_HLR[O"I-SETZLR;=(!1"H\&
M_9WPL)T\\&@'88\W"%.E5NJCLS([$IMG:4NMH<TI.J8$QP!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@'#(_H[_\R[_$5@%.>-O^77@?]BW+/ZC`L%?5ETX(,`8`
MP!@#`&`,`8!CR@D6;BI@F!T$K"3,&D4Q"$5F9&3/#$HA@1-TS(0XWJ4,+0&)
M,=ST]S3[*%IWI2=;T!D,`P=?K5>JD%X960@H`.D$RYN1"$08X^,^8L!.4:.E
M7VHS;:'2!@O.>DR7E:VX\^ZI:][4K>\`SF`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`-=;;Y7\%HS?8G+/>4C=\$M'.*;U)C[#9
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M=&`';41#LCE3-2]DH5:95/=9VC3B(GH[O6D;UO8E&=,QV3D=>"0;*<Z?S\57
M2:1ZQQR;;P#`F>T6.0ZR.?AD%S]19,:782#$)#J%;;^I=2W[O=OTP6C.O?>T
M<SYO2KG?K-<`3-?H:#+=A5$+BY,UDN"$OFIM7CQ/K6UR+<Y`C[4R,UO4MY6T
MZ2C>U:P$FW0^+-V?G-0*G@EA/J@$JTQRR2:C_;"TGZ-GM%X)\XYPOY8L)YE_
M[_<`\B)O3:E;BZ;^1_XVMI7L*,[03JM3L?0[AS(+JP3S]!:@IMQ%JK6%-0#%
MB(H#8(M7>N;HYNLO6U5;M`XDH<U)<E-P9K3JDZTK\`II4E<VTUD<1<#D+&"@
M%F0[UA>%S2X^*1:`1Y&HCYQR$_(1);#LRM_$N3M.F4N?P=JUO\,$.DS>J1(;
M&.Q[C57VC0F>?#N,V$0ZV6!"DM+*&ABT3%)GB1J7D;D26MK99TM/O5KUU@&!
M*=CY*$99D%NFT*`P^8J%?9<D6T$A*S?0'VHU&%ZW]=OTFVYYY.AS>_3<S6_<
MU[DZWO!:,R$#I%(FP6YKUC%!W/RV.MTT589T4$<#5TKZ)A%3P8F]&(!8CKWJ
MU[Y+;:/EUM'K[M;U@49EHMNJQ!U,<98@A66X`C6IB"+*P2$Z36INUI@GHL.)
M(=D20\];>TL24)VR\K7HA6]X)0ZE9O-6MJ(Z0IB$Z2=""+!*KS\AF-9PXTY&
M1*'+/5UUS18*ZZA?MVB2TVI+B5(W_"3O6@**F^9/C]"?;85:C<C>KO<J%/<B
M4&^R&`1+GIFLURZ';"\FMZ;!T6OG[H(BO6"3ML.M1)AQN0ME6W="[6)GF)PZ
M&*OAS[E<YHCFD_3=RGB^8]$*,C:ZF5:H$OHL;4&M/N&>7CB-%-1W[#"3(&(>
M%OIT[O?Q_(+M9L['?9E,,RHSK;\>2TV_'?:5I;3S+R$N-.MK3O:5MN-JUO6]
M?AO6\&)RX`P!@#`&`,`8`P!@#`&`,`8`P#AD?T=_^9=_B*P"G/&W_+KP/^Q;
MEG]1@6"OJRZ<$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@'G-U_P`%"?4>B]'N;?1!XD1T<U)/G*RY
M7I,ELF4K_..>TWDDHE-;*QU;<YR<%64HWM#?J^X9CZUMM43W.#-2HB`O?IZ7
M*SV'HUBZ)T"B6:=;6;VT-D.TV=)]A:Q47LE*"7:2,ED-!0!^`UU%A2HXEB.R
MRT/4E#JW'UO:#=W&3L?@?T>UJOHXITNDQ@1./=15*7"JQQPRR-N;_E*3D2[8
M[(.?2R2$4CY&LMZ1$2AM309QW:O?,TW%#<NPG@+P?:`^0M3[)HF`(!PYZ\6-
MP#&T?JSU>-F.J]XZ.!,@8P"6@4>F3!_<'!1=LBE#3R!K3VODTI++0F[2AC"_
MAOT9VT7BPU6W\XJ3)7J/3+]08+]3E7%RB%.I\QZC4;9>XD^QZ<ER;.>N%W'&
M9`1Y3P)I0^0W'VVW-VTP&XC])\"CM9J-QT4(\L/7@V]5"(!):M&SP`.Y6/(^
MQ>0:JQ--GYL^T$*\:DEF(,MU.F5+>:W+U'UZ-QT"[RN)7Z:%FC4VV5T3:.;&
M3-C9Z;47S?1P]NNHTI5.AA3`T??)E6DEXXX-UVD.&'=1GX3FV)K4B3IUYO3K
M2(X;M:FX/7?'6X=`ZG^9@EHJXVD7"-X_P^EP#`@Q,M;#/CAV`]V.JJI,V$4C
M"=+MQ&PNC2/US._HV&T2&=NK]S.Q$Z+Q/F'Q;KS'=]]NC&>55PC+YL(IUO@U
MD5<H['4R^B=5?43OL)\U]`_KG8T>88J\M*7B;:#'P//HBM.,R0JJ4*!\LO#F
M]=)(=BN=371CZK:(EV`2(+59V==YEI3Q8MQ")S668>+01LSBY"&94>GP%*:>
M=(I>;3KT?^9L6,J$%+_IH&+(1M14[::4MV^TSIHV6'&Q[8-J?,K/>)O=GXR*
M'68A!@?8J:\/[I+AD8)/4=#ZX[DK2%*DZ9C2@WEE'O"&^&.OV7I3]MYJ1&M6
MBA%J)7B%2(1HD0#2>Q\WZ0'KI,8/D(KHC\K5FF20@^7!AKERG)"9<IS?JJ/J
MDW*E"*#?TYS+$P(.+6_GIJL!Y//S<J?-HTJ1;K-+K@WA(`Y1;&_+)21T[F>Q
MW%]RX$1>G-IG3(VG$>R![Y0NXN[B'B=9^/=`MIN%9JK'I]HHMFK942&$3TS;
M";(V^47I).3&GN.P:C!YM4I3P5F,(<;CEH[K2I++:X,=2A&ZHYO'/P[UPBU5
M6V;.ULF3$4JUU.P31-8^T$K*X<JOC=6A,N<0W+?D2&0C?"']MMO;=WIH@TA&
MT_"KY()2J17KWA'-ZE(-17SH%N%<^P6:WV2P?<.@A+((YI:VN3+L7/Q<"JV8
M."M[=DD\KC:D,'M21++R8LKZ1YR)\+U"E0@MK\$>CGZ#T+GRK=S(H,LM=!\F
MI\LP)O<-^H\QKMKZ7>0%P(-@K+"<LG4`-AO\9*8FWHP::T'TIW:?K'&F15+6
MIZ?P8[D2##B/27)KT:+'CNS'D,MO2W&64-KDNMQT-,-N/J3M:DH2E&M[]-:U
MKTU@P.U@#`&`,`8`P!@#`&`,`8`P!@#`.&1_1W_YEW^(K`*<\;?\NO`_[%N6
M?U&!8*^K+IP08!I[Y?=JZIQX1S=KD`.#8[=>+3:0L,')H5NZ'*.RJ_R^\W</
M6H(NGG0$L#NS'JU%@OG);K@\/&?<D2&U)3ZZYSA,##SIW7G2<+%N$6WOC"BE
M<A!R;DG7;&3:@ENDTDCB.7S<K#A;6'%2O3E));92JU;G))*+5-SBDY/2*=61
M%?FV'#SGRUVI]DJ-1@JZ&(G[=:KA?;!'G=RM5"FV-1L9:W/C!G;Q3I`09%7!
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M;AJJ50N<U<GQGX_%MO>KL([9]L6XN6UIZO9+3L4]'6C,-`\]6(9GIQ0]7A)C
MG4'L-<I7)I=2)Q?S-9.<OUT+&LW27X)(HI-H@1+RJ>IC[6RTTV&5$<=5I;B5
MNYR]N-V[,+<I1RG8E.XI)[8SW/;"J7E;AMKN==VY+IIIPYZER[*<5+&5Y1M[
M6MTH;5NG1OS)2K3;^C3M>O17^H4%"W:YMVRDVL56!?C]&[J(`I9KDJPQZ>!O
M_7J+8;>0(QK`X)?9MAP!6H`D2PZZ0C+([D3$QV$OJ8S7MBY<Q[?HW(.\\GT7
M+S;=TH6IQBEMKY4[DI2:47MI&KI7'_$4(7YJ[;FK2Q_52TKM4[D7)NM/,U!1
MBM56LJ*M,]`\]5R%F"<_B-L#4T8+Y4IRT%K#7Q\(.8O_`$+K7/S<RY2)BV(%
M4YQ7Y7*79$2S//*@$V9T16M,HD-JS2E[<HHPCD0E?;N>51;;4(6YI1IK*;5Q
M)VUK%J76C-5<\FY2E9FK*4/,VE1RG<@W*ND8+8VIO1IKI5'H;K>MZUO6];UO
M7KK>OQUO6_W-ZW_V9U@["?.`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`J0IW3E5>M%@J-JN@*GDZY,I0R2_;R@ZLBB)?H,8
MS+JP4$2,2XD8R9(,`9*M16-J>U\?_=W^\+1]2*5CRKX#8ZV4LTGJ=#J40%=[
M!SL_#N5VIX$D!M]?L5HKJP9N,^>6D62*N5"=*AQGEHDO0FE._&GV.)0%&2:Y
M]RH5#,&P1^05T0``^=6$@F"*D3FOMO4K_.YK4E1W6?5,AY^T#G$OH3^+#'HZ
MK^#O6!1G:;[OQ!UP<RWV3E:WB]HET@2TGH52VZ4N8]X?'G5(<WHO[YMFAOEH
MB'8#6E2D*E,ZVC6W4>X*,YH_;^+S"D('$ZYS*4:)6DI1QPB/?*L^3GW0'J-L
MU484%LHJ5*LP?ZUG4J"VE4J/MY&G$)VI.MA1F!KGD3R&W7F51*S=JV>EQQ@B
M6R=$6.N$ZT2,%C=S!_DT63@EY"IMT&OT,@[*'I;^9EA&E_CZ+T@*.E2;.=-Y
MLTJ4EWH-';5!C,39J7+8!0J'#E&3%<C2Y6E3];CQI%AKQ"`VXOT0N9!D,:WM
MQEQ*1*,ZM=ZWRNWRA$&I]+H-GFGP4RT@X=?N%?,RC%:'$%""%@&1QQ"0[."P
M2S:HKTIK2F6Y"5-J5I:=IT%&5ARGROX?UJLB[,(OU."M'X=P/`!!R\T=)TK2
M:;9359G7MH<-L9%;%9?D@7W?E<VE<5"=HDI9>0ZV@5Q:="SY/7.4P[$S4)?3
M>?1;9)C&)D>L2+G7&+`_$KRRS9^4R&<))(N1PC@&<F6O3>TQMPI&G-I^%SVA
M1D'H?DUP[HJW45SI5*<^>T6VK5I;MPJBD7MZC#(!:TEJ)N(;E?F@($B3];E/
MQO=]-\3GS);TGUP*,X:GY,<GO`0[:*K8()RI`.FN<NDV\<=J<FJRRL<`)L4X
MX-L"+%]LG5L;!+:2^ZVXJ2AR.]KX-Z;WO`HS-V;OW*Z[QVV]X@V:/?>:TP*:
M.$S7+$[Z8N7&K^W$%8X:/3=EU%)D-YI2'4-[]L?VJ4\IMM"UI"CK3M*I.^;'
M&*[9K]52#%Z5-H:)<?4N+4I,D;<;&.,\YK9.G4E]$GYB=D@6/KE<@J3);AQ'
M72B5LR'6&)3K`NUECBN]@9M]I'.S%.Z)3S?0ZK)LM6F6<!`:`SYHX8P:-T[[
MR&-&HR;8"#O_`%,A&O6"M"%Z8E/+0I&A*:5)Q8.I\QJ1:0!M71:)63D2N3;A
M+#V"W``Q2+4AREH(6B3`(D(TIBO05-*T]-6C49O:%>Y>O3?H%&^A!2ODIQ>`
M;Y-71U_JEI,=K-MB:!`JEHK!N68A*%6DH[:(T2.9U*G52)^3YD=Z;$1(0W)1
M[-Z_@N;0%&26-W'BLRTRJ-$Z_P`NE76#/)"IM/CW^IO6F(3#1YTPP.DU]LLH
MLQ.$Q!DEV2RIG3C#<=U2])TVO>@H^O8='?D)P/0Q@WOM_(?LTH*NR1BW[2:;
M]MD5UL]^57#S$W[U],\&;M&_MNY25;9U/_V?:OF_@8%'W'<D=SXG$:+2)78.
M71V`(`!:C;S]_JC30>L6O<1-6L1-Q9;2((.R*GL:@2W=I8F;?;^)2_D1ZA1G
MTIG:N<W6E46]1K,'"B^B5NGVBMP["9"#2DD;?9PL14O]GT2?9>=/'#42!$^!
MQY$J=):894XXXA*@HZT*SOGF/P#G+DV+9KX!CD(\EI4$<U8:L[(.5]H_S:M'
MKD*<T>U#U5JD5ZD/23=DNQGX[;,ES3*VVM+4+M;)W8._\MKQ7B0QZQ-%H_D)
M8YE7YA8*YI%@JI@E%IIV\,O/V(6Y(&0QA017WFX<K;FV9,QUAA"MN/(UL2CU
M\#`T+RHX-T,.V:%=&K@:/*-=3$"XEQ*C:B5.1^-V:Q5:]60(*.3(DXG4!\FK
MRY;9)I&XK@U.I7NTUOW:!Q:)9*[GR5-,+7L1T&FVNOBPLPVF14[77#OW5B)(
M+#VXP=V&55$G32!D'+'QD:=UIZ>PXQK?R(7I(4?0JH;YE\2EW!VH%K(*IBAO
M.F>F6,U>+=0*T*K($I=7Z'66B_U=N5-:F64Y!DZ8]&=ML:;0W(4R^^RRL-K+
M?M?9.;4(@N+?+C6*.-2*#E&K-;[35JW7)2CDHU&'C8TXN;B/N$GD`9#R4[9T
MTXRC>VW%[0ZEL*,Q'3.YU'DI.H,7$;:(]<MT]D7OH,(0W-HE8(3W$QPD6UF$
M34RQVS\U>F8SC4:0RE>];?6RWO2]@E7H4Q%\Z^+OC11!\5TP:[+)/(."2=%F
M13-&JC,"AEM=+N\'ZI>PO/7`_4JY*^L2IZ0VT63IR.AR-/1$%VLO:C]HHG1+
MYUCG55FSIY_BY6N@[N\L;)CAFBME$.F8L(.7=3J(<='LLK8G;C[6F'-;<C.;
MT\VXA`C32KWEKX(,`X9']'?_`)EW^(K`*<\;?\NO`_[%N6?U&!8*^K+IP08!
M@R=:`F2E<-E!<2:6J,^<3K4]]&U2`Q`D'(5^?+A*UO6FW904K(C+WO6_5IY6
MOW\U(7;EN$[<)-0FDI+O2:DD_@TG\C"5NW.49R2<X-N+[FTTZ?)M%=&O'_BU
MB&S0YWF]7+"B+[\F=`G0?GBRWY/2&^OONOM+7M*U.]-:2:WZ_P#^]K2_]&;J
MWR>?:FKEN[.,TM&GJO)Z7_=^3X&VGQ^%<BX7+47!]4U_/]3_`*_F^)AD>,'!
M&S!L\GFH7[M8K,-N!:7N275MX^*L%AM461&9415'&PW;#;B\N3#C(9A372\[
M<AIW4R3IW4_:_);(V_5ELC!Q2TZ.,8]VKVQBDW5K;&C6U4P_9>!OE<]*.^4E
M)O7JFY=^FLI-I:/=*J=7675_CO-ZO51%(#UIM%5`'!=C!AB!,R;CARP.=%(@
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MFM:UK\-:UK..-^?.`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`T*Z[X:V/JMSZ+=U]0KX@C?AQN@_0O\W?-#0_);1SMV@GH,
M=M^[Q77NG(^MD3(1[W-P6$JU%<%O-*>4X,E*FAB)7@`!D,:C)OZM-MUSI-?9
M7(IL&6_I?0F_*EE19YY9I"GR`QOR@D^Y>]:7*4-5M2D?6N?$&YDXZ?X4T;JE
ME%V^Q2P\FS5ND<1J-./D:6*,FJ=,X]U*5TM^Q5TC/EJ>'3K8IUJ&ZAOVZ8TP
MES:GO_AX"DT534?T^B0R9;3-U[0[=[):Q!,/*/2J@6616N:KB"-V&9-L?0[7
M,^_ST<6;=E(@N#QC3I+;<*)$CQ6FEB[CM.>!UBG#*M52?6Z^Y4:Z`K/-'M#.
M7."K;,Y/0^CUGJ-.9@V-J^/1`?4_OE=^F+V%B#N,2:<1*;'Q9D=MW`W=Q)N:
M^%QZC]/XYULEU`"6L_%>4"N!`H@OF:0M?-\B'/EE/:*")5Q-LB.D3VW1ROO@
MG<%$=4*0PW%^A(2(FA'+2G81BQ?IZH(]*NO3:UVDY3R]I-=/*#$CZ@/E/5B+
M=JQ*>IXN#-<-L+D-<Q[5:+-=X#GL:6Y.L+L=/P?"B2H-VE"8<#\.K)Q+H0>\
M(ZG`EMJB="W>QP&N7(<_T.1=+M:[L!$V4C;NJ7_9,#S<E<)CHF5+:E6+ZA^1
MM9/4:7(B+!RJBN#?Z=+I8-(J;?7(D:LS1SA"6XOG3<BS)O<'G72^95TC#,?G
M!J+'I$8)TA<B:%W%4_*F1%;;G1VIDAO0N_M,O/\`T_G;6%Z"S>^JPIUBZ;-(
MD;$8K'.V0$2"\4,^3AAV&#@DK98YC8^)OR3>8;3)E2%+;%>KFU;F._$&[[".
ME_TY'KK8K3:>B]-!'271(5UCW*)6Z7<Z4!"S3T>QJJQWGU<&=@D@VC=6GV>2
MMYVS1[,U/UI"DMQG-+6X"G0M<GX;F;9RNXT6Z=)K[E@O?62?5S9RG\R16:W%
MED.=1^=)!BJE*N)R0B,S"B(DKD/D7G7G=JUO6D[U[1-VM2V&/'.%%Y+W7E4:
MR_3Q>UP+5!V4C@8[":NFS<KK_,=KCC&IZ626H+8'4S2=N1]+V[\7\'2??L2N
MM35FY_IR1+?T?I/1)5\JDF5=35;M+<0[R]TRY:"M-O\`RCH-'JW;I&[U$B]2
MYASJ1RO0VO"68H5\<+,2V_JG'/5UT9*=$3CG_BMV'C<^OEZATGG-Z51^;C>:
M<W`W/GUD`C^?1+#<!]@ZD4K,@'T.>/AC324I3"&[&K=B"P8D2U,;::DR9(C:
M9D/('PQ-]^Z2[:S/7GX-.T'U"&TJ=6BYQH')?IMPII5L8TF]B:8L6<;MGULI
M<L%*+JD1],(GHAK^G2"E0^H7PKFU[L@_I0WI0Q0!?7RW9K%6YW/&I1V6=<-^
M0!$$%KEMU:V6ZT"AP^^R&Y?J/EO27ANW&U,)GRFM!NTH=2_^!%9O\*YP)5V>
M#-W:?:9)*:&J@^*8CQ[9U#O?2B#,4HDEIW4E*^Z.Q?F5K?O4/T^I.]OJ;;!2
MH0.=X9GN6U.1<Z6Y'N751Q?E=DC"ZQ491L?8;70;MU8W+,FX?:O()!LM`L@W
MK#GUD9RX1?H9@YF9#]VTIBX+NKIV$2X_^G+8*.`I5@DW>KP>EUX;R&V#-E:Y
M<+0&J/1:M5N3";Y6-`8G50U#)<W/2^6QE1T#1(DM%=;BKT0>;A,MK!S^PMV^
M^!+%ZY9P#GJNJ/`BW"N;3*.W:A=&'H;LQF#6@RN?6W[!]^;:!+YKUNI!+@-@
MMR9#298M,;Y$H<V]H3=JWWG93X*1(3E?B"+]"8K\"17MFAI"CMSI!*-7=^*A
M!KZ.2BR1HT2:3.^+K3\MQZ/*0ML\\E*-+CH<>#<2J\^'6K;S6IT47TPA4C5%
MG=5L-.NPNL0I!*N7.^&B]FJ=J&CWRB8J)?/+'.CR6FE+4B>F-MM>VDNJ]H;M
M2H+9^G0L[L=71'8G@W+Q;=W^UT.34RQ&(#=MHKJH#WBVHG00M:GNO!.F,LSI
M!<44E.I",ZB.0=2I7NE"J1*+CX*$3]KM18'U4;7Z]?K5"LEO"O\`.4DR"6*]
M9BELJXBK$V+D)A!6V"9R2F<\_"F[DLI:TRB,K3BW*3<8FW_IZ1;$,9:C],WH
MA`GPB4%J>"LH\/-6U:>R&2(\\Y1.C4BW2!A,+V>;"VF$7@N(>B-/J4ZVIR,H
M%(N.\^(=?N1^KEF3\8(.J7,X7-A`!NMZ*PX<0?SGMO.X4Z'**&WYK/TD+LJW
M&T.+>=]H_3:GE?4+<0&X^M\\8;%>7N,U^?T,/)Y9S&@$ZB7I1*F$WB5@L96H
MKH"NC#+$/O(R,(L0:G3R,86Q,'E8<.03=E;0[(:BK8"OVE1Z\#[1,U*('.T"
M2%EMX)[FG3RT;F#D*#9..;"<>KS=>K8ER_3?RK='H'&8SCI=Y\G#U)-$5('Z
M;U";BAN1?_!_%\5P.[=/M03HW1+>.Z1$JS**]>BD0VBM20)>\GB4V"6;A1"!
M!^Q%KU(>?7*VX][T[4IQQ2][T#E5&T.#$8!PR/Z._P#S+O\`$5@%.>-O^77@
M?]BW+/ZC`L%?5ETX(,`8!5G7['8ZO4DDZO[ON>RT&+OV0/N6_IGDR-O?[-\;
MOX>K:?X7I^&912;HR.J6AK]UNY]+G>%?D#:ADHY!Z1!Y5UARK2Z^V0K]@C&8
M-9)[`O!G@\=18>21,TC;,F*VJ0TYZ+;UM:4ZQ-).BZ%AK2IKRZ]Y7\W=US2;
M9A1QT2;Y0?JT:5*ZKT#8<SV[N'98=>K9GL<\_4[5T"F\EJU)%1Y>BL#3L]$Y
M2IN_ITL-JP,].I"C/FYWFXIH4>FB)%%G=;K'02P$*7YC/?L`(*[5>KC*>>'L
MECC9,[:ZS>^4[F$(:Q38U@>;&M27=NSXNMTNU=I=WC%Y$=LZCT"]U.USJB3I
MU5Y4&(B#\2!"!7:S$'Z?S4L`Z8.`1;!/>E5;I+MG-OJ5N##@CWAT:)%=DN?6
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MEM-6)BX4*>,YX[56ZS+Y@#N'".479RL;6M?W,Y`;M%A*(9ES4:E?(RZTYOW-
MJ0W3&22Z&YF#$8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M"C:OWNJW+L]]XM7H$Z<6YI%C?F\_]YI+0^`9EC:\9;!LUM=KUT67I`JSQ%N$
MD!-A4OJ5%U,W*;=90+32I1[GGCSS8UZ;!YSULK/E_1FJ=7X(NF?>NA<VF!.C
MV5OJ]5;F7B)`14%@.26"0B.1D#S3FXK#6H/S3H;;PNUEK\Y\FJ)U"^3*56A5
MIU!=%V4K4;W.AB6J=T%FC3*F-OK54<8,R;"ERH%+N-C/[(CX")3KKNX:I"([
MZT"--$0JGFOQ$G0Z3T"_G8/%1W2XZRG/A72+705'+57_`*2M263<.+2K=<(T
M-+K]O'1%1)+S,]B?,CQG6$/2(Z'0VNM$2$_Y=\''19J:YT"LWRQ10=7LS-1J
M9T9./3J_;7ZML44B,[D)96RX(N,`C[-J^7<!]#VD^Q25;#:R7B?([@IUPVT(
MZ[0)[E<D%8II#%E&[5`<"3A`PFXYI3R?DBQR)Z&QI]'N9<=?2E"U;]=:"C.M
M#\F_'LAH+N%V3GLA-CLY"FA%-V8=M)*RC$CE2QL=6WM)WO234#;;V]Z8?T1A
M_&M?UD;Y0HRRJ7=JGT6MCKA1SL"S5<OI]0HX,6IT<1:C278CDB$^I"$R8JWF
M%?&\CU:=1Z+0I2%)5L3H2G`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@'#(_H[_`/,N_P`16`4YXV_Y=>!_V+<L_J,"P5]673@@P!@$6M]P#T@3
MHT<W*U"W+8A:^CC[DO?-(TYMO^3TI'\#T:WZ[]?PRI-NB(W0@5H[E3ZOQV[=
MJ>CF)M9I`&P')<"-$:;-$U@8SCOVH9&DR68RB!22E$>-\KK36W74^]:$^JM)
M)Q=&6/FZ$&_Q)P*._6*[WX0,YM?+.N)+^R4TG:^JUFK`C9H=6*N3O5ZB<]JP
MJH[L%O)(#Q]RVDQ'R&MI8D/-I<6W"T[NA$`OGQXYGX#I`:1Z0IG<4'(&,2^+
M=:'S[(_9YO-8M:%58=/IL:;8C9YCL=5EQXD5MQ_<$['?6E"-/[9%VL[D/SN\
M;)@T`55:[&-C64R-%"VSO.[]7YVX1:&!FQ+=-'&JY!GC:'I%G@MNFI#;8]EZ
M0EM;J5:5K0;69.'YA\HL<<>NEKL999%%.G?7'*-T:L5L<'N_0(E"K$TT?E4N
M6V(DW"2N0^`COM(45890_I3,-]N7@;7VF>I7DK4>C]0A\[IT8@^J)#ZDQ<5'
MA1NL':O9.>/\B=A"7@)L9$D/Q;$#ZJU-:D>J4I;;0GTVM3B6A&J*IK;4/U'Z
M6>`^/]AL5!*TZ#UL1VP[T%4L^P85Q05QH&<,H?,,"@[DZVOWW0A/V:/"9:?D
ML/?(A"U)TTL9.'6A<I'S:XY&'KDB175[05B2*C$-U4!R6]/6:L3+CUQ'$QXN
MS0)P:`T&.Q[NW)2X.>=U/<APW9++3K&VEN";6=]SS4X(T'L]B<+7)`"H2*XL
MV;<YGT%H2W7+7-MP\'?AY!ZN-Q3//9LBAE]),0U/P]ZA[]%;VXSIP3:S&G/.
M[QJK>K-LS;;!#16)Z(;SJN>WU<<Y%3*Z!%('Z?);KJH]PK(37*+*].GCE2(\
M6,%?>6KXUQU/"[67QS+K%+Z^,-G*%-G%P(.T':@HZ\()#A)8O69[P@\NO3"$
M:,V<&CC41^&J5']["I$=Q*%*TG2MB-4ZEDX(,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8!I`1\0YX7M]A[QS2[B@5B/6[=O2&,4T9)9B&K
M?`Y50^IDIUG@+8L5AAD.7<UTV'$R%(B1#CR93SCK3,5F*,JZ49%%>!*(P]O0
M;M%D%6"N#X%%YG8$U&LRET7C(ZO]2JL?G;H]WVQ[,1:"=A+>TS(4V[]7%&NK
MCK3%>:EAN+AY/XLAN2WY5G$6\P0J(,-<1'-Z#+'#FH]%3TLA3#71'UV%KU*6
M3[P:HD-^$F0EO[<E^4WZO)=;^$1NJ\2N^?\`@^(IE4YQ59-WAOQ^71*^+KTF
MJ<ZKE$V1'USI?!>F19EHC#94]@S:B)+@D-B<33J.N4B<ZO;:7&VMZ%<JD!I_
M@:7B%K0#LW2YSG+PMQKEHYH$A@@23<D[!X_SKGQ6W6$^WIN5K3[0<M!0*TU\
M:=+;EZ?WOVL(%W=O:<!GP0F[LG%HZ[>6N%?IESY^-G$I,6NUE%=\?N+UKI3U
M&Y41A06WIUVGV"X7:*HD1U]-N3J`P\M#.X^D2`W=3L4S]-?GM-?YC*;/"3DG
MG"EB7]GZ9+(Q;M48"N7.U1NX07KKN*5O-5?Y`&W'*.)6+]C:D)$-Z1'^G#>V
M;@\"Y$]P_G,.@.6R9;6H1<X1@N+@K$!:Z-*D7I@^G4P`Z2-NUND5>(M,48.W
M-DHAQT:::4AE+;+8Q;JRZ<$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@'#(_H[_`/,N_P`16`4YXV_Y=>!_V+<L_J,"P5]673@@P!@$6M]/#W<3
MH*<U*W"U+8FZ^CD;C/?-'TYIO^4TE>_9Z.[]=>GXY4VG5$:J0.ST3DM?X]=Z
M;T"4,@<D*5^Q0KS*N%@:#"&*Z?B.PC:R5C?E#$AXWT\A6DR=/LKCJWI:'$KT
ME6DFY.K*M.G4UXK7`N$]E8KYL=Y"W+ND80.`-EC,+I]$M<>]TX/<=6OGP.[D
M:;7HS)D#5[S5),H=*97&GRY*)K,V7,:<DLJAE5KL)D*\5^#LG*^%'D3L@_RY
MSG5GCB_S5I\@.:!0^,A:7-,1=,?,J&3;\6`Z?5>DIDN19^];]75^P-S_`"_+
MQ,09\0O'X`6YK:"!$D"+4LS3Z_429B9532""VXHBMC*>Y$NM:L`QU5H<$0$J
M=BLL%M2H[:H<J,O:_>%62&+X<\O'Z'0QAOH8VOQZGS6HFJM$LT?[);8_(#D8
M[SHU8%OB7S+=DKKT;3'U@^9`5+B^UN5I[3,?;(FYG1\?/%_B'$+(8WSBPGSE
MEJ>I->-1BYX-.?K[-DIW*(4$01&@@P6-'D:J'-0+K+S[2ITOY'9<IZ3(E.OK
M!MLPS?@#X[M0)P]L=;4MD057K[[Z;9/3);BT[DEIXR$E0G4HUH<2:K%MD2G7
MXZ6U/%V8\Q?JXUK6Q=S)B*\2.?"05K&L6?HKY^[2ZL9LE^EGA#UPGVNF].,=
M=!6_U376ZPP:CW$QO>VFQB1NX4=B+J+IEOV;#<S6L3^G6)M$JXL]7M)Z+5TZ
M&57E=6IMQ^_MTKFXN'U$:Z`9)VVAPTCF"@[JDIF.VU%D%P:8K>XIQQ3BMI%W
M=QEPO@$*,W6Z'>AEMLUR&?"S>*`0Q47>?R#$&V'M!HN^W$Z+SE^N1X=JB=KG
MPW1$N`=W`;;2M@EO;4+4$3=W&XG-.+5?EUBZ=:@Q$\4.=:LT.SVF48<#-1T2
M!@QL.)A#1M="5\6VR/&-)8^K?9D%9;:&]2Y<C3+/QB-U+?P08`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.&1_1W_P"9=_B*P"G/&W_+KP/^
MQ;EG]1@6"OJRZ<$&`,`JSK]<L=IJ21E7]WW/1:#)W[9_VW?TS*9&GO\`:/D;
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M._F2J-$+%SMZJIFN'!I#GH\IV`G(&5S9OJ7(Y]R<L-;'=-Z&+M(V-2(UM;C1
M2Q0\K4*3MEM2'I"4-T-Q-H/"+D_2.8"NK2>EUFRUHQ<K/0BBMW#IZ.K'K"6`
M\8YU3KE:G#^C=@=@C3UVKY!^'#7(0K3"M/[CQ%/JBLB2=3>3!B,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`QK9H.\5D@62PU
MTY"B,$)@9N?%65B0)2UM19LD<EW<QB))<:4EMQ:-(6I.]:WO>MYF[<U!7'%^
MFW1.FC?=7I4QWP<MB:WI5I76GP.>*0@379S,*=$EO"Y>AY-J+)9D.CI^XD6?
MJ#.;:6M427N#.8>^)S25_$\A?I[5IWN.,HI.2:355XJM*KO54U\4%*,FU%IM
M.C\'UH_&C3^9UBQL*`BHFG2XL+"<D,1$2RT^(-BKER5>R-%1(F.LM*D2%_@A
M&M^Y>_PUK>6%NY<>VW%RE2M$F_X!.<+:W3:BO%T,IF!D=*(2'3W2#$&?"FO"
M9OVTHS$E,2'1I'<.(1U`(-LN+7#F['D&'_B<TE?POMK]/:M.]Y2A**3DFE)5
M5>U5:JN]537Q3,5*,FU%IM.C\'2M'W.C3^#.$2:#GHNYP,L,,PM/O1MS!,^*
M1BZDQE_'(C[D0W7F=/L.:]JT>ON3O\-ZUEG;G;EMN1<9=S5'^<1G":W0:<?!
MU,GF!D=(>1'EHC1`5/A$X#_R:8FCY3$V(]MEU;#VFI,9;C+GQ/M*0KT5OVK3
MO6_QUO,I1E"6V::DNQZ,QC*,UN@TX]ZU.[F)D,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`.&1_1W_YEW^(K`*<\;?\`+KP/^Q;EG]1@6"OJRZ<$
M&`,`KCJ5WE4"L)/0X,8@]LG#@?!+><8:]DE+ZE.>]I*E>Y/Q:]->GIOUS**W
M.A&Z%&=5[9;Q_B'W3LE71$!W2E\RZ<=K+C#40JQ%.5FND9@>5J,9T@=+<3-8
M0K3<KTC*5K6G/X&U8DMKH6'F:J:K<Z\[N@UYUFI=&HQRS*JR.IV+JE\/LL`C
M/*J)6NA]FJ5=D]3C<PJEJYG'.UMKDKBK*\/G18NXLZ'($,$U.[:WB9[43FF^
M6'0>A`?(FV('MT<ERW@5T(L5)]$@G`#]*H5N[*&DV#7YCK54LRXQ.+5QJUP2
M<&(Y'VVII;.E:4M<#21'K+Y;]LY1QD/-*U!V?<CGC[T+IU9N'=C52'Q+-TRJ
M`+'<$<T4UX[UP_08RX].K,DVE+A&!+E"=>UC4B3%(?2AM3?S)';/-^[Q.EN<
M[J=)H!%D1T6AU\S9Y-COBA9"OKNYWG/71U=3,YW7TD;G4+D`?@P517)XJ1(;
M=9??9?:VWNC;I4Y'/+#JG3?$F?V>M\YMO)K(9Z1P:O4EF+]BGF+/2NMWGC3&
MC%/=['7:74]&':_T66(T^5C?94%X3K[$F3#^%]4)MHZ&33YJG:]T(5SPQSUF
M6(39Z[S*1:#_`$.NP^B*N*2OCB$LY6STBM55RHQ!;._(:.\B2+*/1'W1JO8A
MJ/.B.)I=I"6/.'HI>P0C=)I->LE-EP.J&C5;*V[6CVXW->7LW`:.YC/K]-7%
M)2;1*CO*>^ZNOZTMU.F%MMZ]-!M5#?/BO4A_:^:5WJ8.'J+6;FLR4ITE,OZQ
M!^D(/%(=,N##NH\;2(EWK$6*78:UI7PL34(VM>T[7L8M4="U,$&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#S$ZC0NOU;K'D`7XOS*
M[D:_U.)2RE^M2UUX':!]M03Y?672O#[=6.@4[I5GKRN<A9CYBNSR05F*2$-*
M'S&M3WF5]NP\G!O86-#/O6U=LN:A'S.+C2Y*EV,H2MQEO:49J,FXR>Z+VIKK
M&38S+.7?N85J<K=W:YO124JVU6U)3C.2<$]T&XT<5M:W4*PJ7-/-^+8^:SS)
MB^TB.>6!L?2BM8B5*T%YW28?)_'4!89MP$Q^C`JQ)@F(-1L8MAZ2R?'126G)
M*8VW50)"MW?R_;[M78VXV[CC6,%+=%*#N7W%1>R4JIRA)I;).-%6FY&UL8W.
M*Y;E<=R"E1S:VR;GLLI[EO4=5&<4WNBG5TKM9.KEPWO_`''Q3XOSP["F!^B`
M.A7U16Q],@5SHDXB"9Y7WFI56^7>JWPW>8`Z1?"-C%;E"43BSU>^Y>V*YM,1
M&V]O8Y#C>/YF_E6VI8LK4*1MN4$GZEF4H0E!0;V*,J2I%3VZKS:[B]@\AF\5
M9Q[BID1N3JYTG5>G=C&<HR<J;G*-8UEMKIHC`#*/Y:V"\#JS"KW9>2\D4.Y!
M6S(V)U&/+D"ZM6#W'VW%A+MOHA<DQ8)E';LD<\H*)#N?(VKW2Y\M<>0WJ3R.
M%MX[O2E8OYM;LDW;I64E=ZPV);5/TW#=*7]&,4T:4+/+W+T;487K.)2VFO43
MI&+M]);VZ[=ZGMC'XR=&6KXBT3R8I_2^D$>WPSK@&]5RC&`,R.7K*H$>^"^,
M<1J?3"/0H`F2J68M=GLE;7H008]\)B,.GM;8C*=;?([/F\GB;^):CQ[CZEN<
MTU25=CNW96U!OI&,9>:+U;E%U=&H;KB,?D[.3=EG*7IW(Q:UC3>K=J,W-+K*
M4H^5K1)25%6LM4XG'_*&E\?C/<6XC<N46.1Q7BO+#8VMF:;7;65ZYR^B]1D/
M=6<K]-Z97*^9#3;<0`U]<XJ80[.B[5*(CY8Z`PR]S#SN(R,UKD,B%ZTLB[<3
MDI2BK=R=O]7NE;E)-14YTC'1Z1E&4FUQ:P^4Q\1/"L3M778M6VHN*D[D(3\]
M(SBFMSA"LI:K647&*K=+M%\G@]TK59JX+M,6OS?)*^VRXW&1T=PN,D4N]]BK
MTXZ-C1)G4!D0-2(?%S$V0-4H:5>AEVGXT"!"E-HF*V/XCB+EB=Z]+'=Q8D(Q
MCLH]T+4DG56VW-W4E+S13C1RE*+VF]=GDX7HVK4;ZMO)E*4M]5ME<BVM9JD?
M2;:TDU*JC&+53T<Y7S<'R*@UWG-;EE9H*L,S8HQ\V_%DD_I99.:32Q(?APQ\
M=U,14W;3>]-)W\2$^[:E>JM]5S,JYFY,LJZDKDZ5ITT27:WUI7XG8\7&MX=B
M.-:KZ<:TKUU;?93I7["P<VQN!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8!PR/Z._P#S+O\`$5@%.>-O^77@?]BW+/ZC`L%?5ETX(,`8!';00K`T
M9J3;G1;0GZEEO2C#3+T3ZM>E_!K2'VW4?+O6E>W?IZ_NY55].I'3M*ZO5\Y7
M4^*]$Z`3'0+'S"IU"V'[4&!A1Y=DP'""Y4XZ*C@I&HPXK*G1F%-:8>VEMY:]
M)6K2=[WHZKKU*M>A1D+LOB1==P[4?JG/AE^'V&XA#];Z((Y:&ZAS^0^<?YET
MHU8V3AGU9KZGPZH),B/F3HQ.*SIMI<M*=(U#*C18\NV>)7&A)>KK*<(YZ*A5
M:VNEZB,120J5U2LB)=ON41=5%--/3AXX,2D$9<1$9SU9?<=VWO2U[V)JS%T(
M5X86-IH=S.M^.A98GFVR3=?J%8YXX3$\KZ<.V7=0NNCAZ2`JI7L:3^9Z.XPU
M'GMRM;<0OY=>X/-XD-YW=_$8_5J=?"W-^8<37W.94IU'%]6!<;I]OZAH3NKG
M.?&QL(6<-K-NP9Y`6L4VZ]]Q@S_ITZ98?VQI0KW?89^ZW/PXYO2)U6M,#B(S
MD%J4S:+3":%<\E<[E$;`9HJP)&S5>)MW9>?<"=M$2H<Q(Z6TYKXY#SS2?@6X
M'F?Q.M<>?^(K;!;MLBJ<U-0>6\2MD>QPJ;7*@?C&>-.P&V%A3E=$#);MFKT!
MOD[L0-!7ZQ&GQS[#*/<TI+8>;IXD./=5\8(GBL/[RFFO\ZYO&)P:H`*U.@4C
M=UY<?L-P7XYMV:IM"8UFJ\%57EGWV]%QKA`;]CT[(87*@J]'0H]U.TLFA=Y\
M=:+,LO`Q=E&T(=XXS.2<21NW3(%;K3Y>S4:$2H=-IYPM-CL6<M'KL5#+[+&O
MD:D-+;WK:FW/:(T^O>6''\CO'^60C"8W:^6/%)=I71XP]%[K6YKMS;2/6JJ)
MC?<OF_,>T%HNTPMZU(5J2UO2-_(CU"C.2+Y$<'(?EM`SL?,"DFYR2L&F08%]
MJC\VW$`CZ8I4?6V-ET;+3(,UQMAU+6]_&\ZVA6TJ<1K849T1ODKPB<*)DI76
M><!'ZY50=QN8<M?Z3HM1`U@BB90]VWH'6$C!%>_[[#;^33[D=QR4Q\3CB7V%
M.!M9<PXB/,#X!83/AE!12'%(C"8Z4Q.'D1\YA$F%/@38RW8TN'+C.I<:=;4I
M#B%:4G>];UO!#N8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP"J+;V[F%'N]9YS9[7!&W2WQ)4X`!4EYZ;-B1&9TAY[3;#;FT)VR+DJ1K?HI
MSX%Z1I6T^F"T;(B]Y0<F_9+0NSCI5J.5/J4\2)YV.#4>V2KK;3!I!%^$''T=
MT3'L\8HF$'F2'V)<:.N*Q$=4]I'LWK`HZT+-C],YU*-IK#5[I^[1N1N&JKKL
MH9%E9G(@2"CH^0!7-T58(,#8;S[C"VM.H:96M2=)0K>A*$&D^1/+$6NDU(8>
M19I'0-H36C54<@V&L2EJ(%1;B%G1TYZ'I<:>&?:=TG:]MK3Z;_'UUH6C.>-Y
M`<WEW*Z5!F:8U'YRW,1>[[*KY4?RNJEQT,82(5HMTDA&BU)%B'C#$=^3';DN
M:C:7MMU2'D+:2%'0F,KIW-84>7+F=#HT2*/`"[7/DRK8`8CPJL<=^G"V66\Z
M00W&`%W_`.!%F+VF/(7^#:U;P*,Y)E^K\.]5GG7ODR[):JU9KA!:A,H?B1*Y
M59E<'$2A25\R4Q&)!&U0F(NM:6J0XM?LU[6G%($II4KP_P"1W,@'8JEPS<HX
M;O=KK=MN#J:R!GGP=1K5-?7!)%;R='H=@UIJ489<@14.[4\]-:6UM"=Z]=BT
M=*]A#Q/F9P4XW0I`PY9WX'1:ZS9PI)[GUX@0!8XC,M(VN,7%XB!B*I9BX%*.
M8B"8)-,67-EC7F$-_+\:%AM9U?\`&YXZ.!N5'X-QFDQO9>5H[?3'H5<.^J>4
M(/\`/:Z3N=C1*@Q=U6$!F=,'.38\_P"">RPS-7IA7T,K30NU_86IT3N_*^4V
M2G5.^VED";O0Z]F0+#L$E*CZ"<UJ<^[74V6G0H<F$"$A:^.<<V_,<90\[[6F
MMK=5I.")-]"$`?+7BAW=1867LU=(W(S=0,$1;Z#=:N2"DN?T3?3K(U<FC`*,
MS2T(Y\XP7BJ*.1=3X4IE<;Y?=O20VL[(7RBY>:J\6W:58!0R1:*#5G(YL4T-
M+0G^D#>9$JX8G"W9JI;%?;UV"OL3I7MWH?(G:2^E&DJ5H&FB?WOL'/N=P;#(
M/V(<X2K`/=D*U87.'SK@@'J7!A*)M5M,QLFN$B0283MW:$MZVXG^%ZJUZA0R
MB^G\T;3M2^AT9"4V5=+4I=M`)2FXMNL,.5/>]D-:U96WI32%0/Z5I3B=;1ZJ
MUZA1DB$GP)_[E]B-B#7V8K,`E_M)*&1^U'!_Q_7AB7T;SWT)6#\J/FCN^UYK
MW:]R=>NL$,O@#`&`,`8`P!@#`&`,`8`P!@#`&`<,C^CO_P`R[_$5@%.>-O\`
MEUX'_8MRS^HP+!7U9=."#`&`07H=(:Z!7T@7B+HM&B$6?]4U&1*7ZQ4O)TU\
M2W64^B_E_=]?P],L7M=2-5*TM7C^/M7C]TO@4JQR&1W2:A=:A-L'VMA]Z!%N
M@J6*E/I%JEH8F?2LR][^-3J-.?N;WKUQ)[G4L?*0LYX=<VG%%;KT0'3*<MGB
M,+=!K]1$0J]L9R"_=7OL^!MF&Y#;4W?9?6);4Y6V_<A;:G][=<>7Z0NYE$CO
MT]B<&-S8<3\@;">"T<8;<.I+UJ4W-L=L,PNLBI]U80/N\&J#BY(#TN)"F.SQ
M)B3J+6H#<1^&A<K3PRW>!<G$/$M/);Q<KV3N`NW%KC77QZB+5>M8<H$+6$#S
MD3>E`DS>FV2J#JK8Y_,1LUJ$T(0186VVT\2E-L-ZP1NJH4%_@-L]%H7**W0;
M-S%R30&^5TVP!*UQT?01UWH%.[-QCH)&Q);<OY>.`Z@K]GDB43,^DULKMY"4
M0F9+,=[0N[5DG!>`YT5#F.R^V1I]ABU8)3ZF08YDV.%B!-.&<0&4U9H4B\29
MA^:PCB,=TFMJ;`3-<(O:83"0VRG0CE7L)-4O$\R2Y]Y<5<X7(TJ5Y"]5N1*L
M.OMAS[E5YYN:Q,$5R:+$DT#BU+LUOEV(R^(5,:><%6=Z$^XP]M>F@W:KP.[S
MOPB@53AUDX=9KU&M%=LW8:ITM44=3E5ZO5^I50]0"`SBM6KTFTV%P5S<%7*$
MS7@K.YCCPL+MEK>WW&/D=!RUKVE:I_3:#[C5A9;JD^Z%8&X;5XEW4`;W#Z>P
M2$WH-T*1:XU$Z!0B+Y*WP[IK36]S5PHB(>F7HLQAU;:87<3]CQ"ZBY)#R"O?
M*_.?B]`ZCTLZ5B\>FPK!8+K?A35>JEV<GR>L%!L>Y\<K+L@=67'(4D/"CIA;
M^V_(.C+U2;EW&"H_@$FMMF)1_K,FR'SQ``3)%458IKY)0._<4O2GM2;??[Y:
M)+Y61Q>.B2Y++2E[>GN.H]B&66$RA=QU9WZ>`ARF56N#^G3HA>E3!YH&;W79
MD%J2?$3/'&8-D'$56X5>Q/C?_P#G:,V\U"+#Y:D$/5J4RN(RI5)N-\.>TT9S
MJATRA!8HZ$)IE7!5@=$$1I\,5'B`QL8<RT-AE"QXG$@(1'UIEJ1.F/MM^B5O
MNJUMQ0Q>KJ3#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`:
M@7CQ*#WCRNYOY/D+-,1*YP$%C!U5^DC/17I(X=U&#N7J6\VMQA+R^A,N^U/I
MM*X/KK?JYK:!DI45#HVGQB.$O%2+X\#RE%-&&-NI8M%S!6/<$/,=L9*P#KA6
MVJS9`]C!7>G$)C$X1.BD6'X\Z(A:'65;TXV%?-4K&-X$+@RI)Z!?*]'O[I8D
M<;Z6[S4%+M^S\[L)3J6K-/>7(:8)&%)GHCR$+](TA:%:4C4=7P:%W?8.->$-
MKY\?J5IL?1`),D"OTR\D((@/9GXTMR9"A17H;)6SVDP56\^]$4^MU>]-)6]M
M#3#32$(T(Y5+&->/78(@WL])HG1Z:-YYTRW$^FA4EZT<W=*[:K+<0%NO--E'
MAAUF)+I5PD1"R$$8S$0X&08_V5:G(;#VPJNO::O)_3=O,>KP:U"Z;4H4$8)Y
MG-)BX`Z_01?2[SSR?";'E;;*5=)MBK$`54F'1$50F;N1,1]'((?4NCVM.0NY
M=392Y>)\H\0HM=!V2QTFCP_'X?Q8X4H=J(B;/7]T"R4^QT-D60-*,DS]1/QH
M948?B3GWG2,-;#<A;NENKU25^VI'I?B/?'.I>)EN$FN-4L/XZD.A.GBW,N>&
M>>6FTURU0UQ4<_%A8%D*5B'2[@]J-,L<26J4PLD/9F1&FY'P.0PW:-=YC=^$
MMN90%"Q>F`-U:6/KJ;VW(J9+9Z:6YMT7K?3.<2*Q.;L>H8V&^<ZK\1I$EF0M
MV,*;U&4TN2XML-R*_=_3XLM<KI^#7+V)L$DO0;%Q8%`(`]AXE+YETT+1@UR8
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MVJQDETFFTDC9ZS8JG:$5=<[HUG)L^/\``Y;.&RS\0\PVCG<19B:XN"[';DK)
M06U)W\*M+P1221@QWZ?5G(E>D'>A=)J=L-W(1=Q@PJ[22$N1`,66E'*9#OBH
MIFQD!@2Q):+Z?7$"L#H$5#6F(VM:VIU0N[N-O/';CM@XP+Z"%)&PLFO6+I5B
MN-)J=>B%$B*(%/:C29XB,3/SB1XDX9L7UA9U#SRH\!V>J)#TB(RRA(Q;J;$8
M(,`8`P!@#`&`,`8`P!@#`&`,`8!PR/Z._P#S+O\`$5@%.>-O^77@?]BW+/ZC
M`L%?5ETX(,`8!5W79%PC5-+M(234:^[04[T)BIER_HMID?4;^)3+^OB]=)]V
M_;^'X9E&E=>A'6FAK]UT;U6V^%GD$#U!L\_IAWE75PU<'L#YB;',)D*R3A@H
MPZ`+V/(2'WY#R4M(86T\YZ^U*TJWI6DZ5\O0L.JJ:W6\MY5T/HC/%^1#;'5J
M<"ID*N*,T#C;6N;1IQ:=33?[1.<"S]&N@0!N%]^+#'(!>[GI#LN!*>6(9C)C
MRG<3/2E>TZ%_C^9Q&'U`=+L?5+=5#_[5*E&I#W,J'&&R:N9M'E;0@JXY@!1A
MMK=5'HM-HY2,\B:E3TPKJ0O:X\YN,V'E_+Y'4C7_`,U;/=;E4*W'[)S>F#I[
M$<9.D\SK9@I7E5:C^1K>A`(U9N.P:I/KUU.4FDS$?#(M;S#!9AC91J5,=8:@
M\J+A\>R?:[;Y+NV?K$7I<28.Y/U(*1"&.9_E?EE,^X]%Y5-H<*D775?A+M9:
MX4T6LB29=*%W84QI]G?T6VE1M4CI32AZ.8,1@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`>9OD"7\KD^:G)(W+P-F+<<KE
M)V?/BA\@:-`VZPK`=E))KQ$U/-#H8]\@7J@2%IV2TXW#5+;=5O:7-)V,UMVZ
M]2"T:P]RK?C-V(QU.'VRLW('YE\H.&B%IDZ-&]TXIU_Q\LG27*?%YU9+UICD
M0F"3.Q(\&"ZY$C@F'6%)4VA[>X&E72G0AW7;CVT9TPUVWG4(Z\&!PN@"*N_*
MI!6>"!5KH/3O%42;[!$DV$4>EQ#8OGA,J\VVW&V/;BP'W7(:F69R5BI*E&2L
MCY2>3-2IURNMKD"IMWI?[(QSO'JYS0^JLV>O=*JE0JXOJE+NY6#`*6*,3[3T
M)E;T=*VDCA8E^&[%1*:?D+I*+Y&`NG8_):(AVYHD'[%T_G1WKE5M51&\S.`J
MYR@#^=:53(MN8]19%N_,$.9LR;G`F/\`W**ZK2E,,_2^Z+@4C\BR^K%N[$:1
MXM]BG2(YFY4'FO8^E6$53*7.M]*L-QB<W:CU@[J'+"PCL(AL=/ENPV8S$>0X
M_*>9CH5K:4[@TJTNA@R/DGY7')MPO7-0LVP4P+NU1J'3)/&['$WT%J78_+8=
M5C3A6?\`;K$AF&-Y13GHZ(S;")S97Y%;4DE#4U11=IR^,_6^I)[8,KI&YVCI
M/.^F7_K<F/8%<H,THR8EBJD`EB;Q8A=@!185;Y-&B@'!,.4)>A[>L3B-.QGV
M9Z'(X-*GB>KN#`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.&1_1W
M_P"9=_B*P"G/&W_+KP/^Q;EG]1@6"OJRZ<$&`,`A=\NT*@@M'9\.7.8W.C0?
M@A;9T]\DG3JDK]7W&V_8GXM^OX^OXY4MSH1NA5UW[]"J_`NA=P'UR62U3*_8
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M7KH[`LE3F)D$`#94'&:5&V[.0N7&;=!Q:-JL&(P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`-,>W^9`'C/:*CQ75&M-RL5
MHIYJX?\`TY%F2GFF1H"]'X(F&RP.D1Y94PSSZ:TTVM]CVK4WM7\%7KH9*-57
ML(_QOS28ZERRWWK0&F3RU)ZSQ_F)=KGO07+G292NQHXX3'315Q?K`-R3/J@?
ML3+!.*J$CV$QC[.G$I5I2`<:.ACKA^H)S>-RL_=Z!5.D66SLUHC:JQ427.[,
M.FD*LS5@=J'](+1E,MRA?+Y,&T#?D)+]'VU2TIVQ[TK2D%%UHR06'R4XS;@P
MD=:6P!:Q@^K@$11)45;W*Z+*UZ[5]D/=?JG*YJ5J(&<-Q/I)[L7Z%NPI2SIU
M/Q?.@*/\Q\4OSFYQ92/1II4;9ZU2JN!'6ZI&#%2L$$E;J:JKU>RD;;%&NQUK
M4$E1+H-<&JUI+TAMYQ*VFWF76T!M9-PGE)6KAV4?R*IP9"R`RV7*IWY!IKZ,
M@%D`:Q./@B(I$21-BS!]@>%RF]:>6U):U'5\C+>]H]X;=*E7WSS&/">3UBZ5
M2C-3KA>$7F%7:DADY:I;,ZK=VH/$6C3D<9'`QB0.'(O+4^;'5/'RU>YIB/M>
MMO/LAMU)V)\R^7W/GG5+MS)]RZR.3S`L,N->2[7V2[-@))&A3PJ8ZV2WJOFU
ML2U1''$?,KZ1>EMHUM*E";7VG.&\U..';"#JD&)T!L_:+LU2JP.)4DF&78?>
MY>V7;4)>+*A1I-28?YD>3I_WID/Z&K6PP\VXRMT7:S*Q?+WD),B)$@DW2PSC
M%1=O338>F&'6(-5:YW6.G:+&)\IJ(/$,/5VYBVV]2'6U*G3$1]:]Z5^P3:R&
M1//SQXD-P)CQ"XP@TBN$K`2LC]+,2:W7WA:.IKD5HJ;%H(P9%I=5Q6RH9BP%
M3DOK')TVXKZN%N2+M9.*=Y;<HN'41/&/9;*OTTJ#<+JJ5PKZ@Q05,0+58TU@
MRTF7+^ALSU03HRF/_";T/6E2G4N[^+!-KI7L-G<$&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`.&1_1W_`.9=_B*P"G/&W_+KP/\`L6Y9_48%@KZLNG!!@#`,
M%8JT$M8_0NP0$D8&I#4K4=;TAG7SLZ7IISWQG67/5.G-_A[O3\<J;6J'4P<G
MFE%FTD]SB=6X$ZCV<88#6"MSMR)@\L+L$5V$8@R]2'G'EL3HKZT+UI>MZUO\
M/3>&VW5A:="L0GBKPX&N));JQ0P6B'=6;=CM=XO=PM4\XW-Y[.BD#-HL]E+'
MCCD!7**ZU&3+D/(CQ1++#>DL[<0N%W,[1KQBXQ8.J">SE*T3>OX*U0KV(G,W
M.[0@D"]0:>OG2;JS3X5ACU#\V3.=N;`2B&X.Y,L+_L;RUL:TC`JZ4,3=?$?@
M?0K"?LELIQ`A)M+Q$A8!,>[7L34R=B*4N3SJ5='J:'LL"K-WS\CRW!B#C<1!
M1N/M/M?TMMI:`JS-TWQJY%0[)7+:!#V%T[4XMS9K\JPW^_6YH=.Z*>FV6_V%
MN%:;*8A.VRY&"#KA`JMM4^0A7Q;=^+6D8%67Q@@P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`->KERS@<SLU7ZG;F:Q"[%
M#!Z%5$O/)#8)]`X5`N<34@.S)4F2MX=$O)/>WF];^/WI5O?\DGVBU=*=A7='
M&>+#'%CQ\;V`)=N;FNIU>X73L-@ZP/._?^G!+A1D51=AO:2#`IF4V:K]?&PX
M+7TT9R,F,PVUM+^MN"ZU\3&S?%'QDN;Y#FPBP'(A[G]-I5&N`.E]3*#[:/YS
M+IT&M@*;=V1I)9:+6KK7J?%>6B0EETBL:EY#G\%S:@W/J3QKQ(X.^?>M*`9"
M6477Q],DN;M!E^$L.![*]W%L>]`U-W!^H_:-OWR%[1\SD1M,->]L(2WH2KZ%
M7J\*/'2'*C4!5GZ>P7,#9):(+WU:T:*S.9U&#3*9(HK"]R-J1S,+$:K\1V(C
MVNN+:86Z\XXZ^MX7<^IGO'#BGBZU*_:QP:V;Z!!C&B,04?%=">NE9#[:@&8O
MY:#.1)3XW[:*'V^1\:5;>?7]0EUUUUST<P&WT9D'_&GA7,0LNQ6JQW'57KQ<
MZ8&.6Z[DI8:CHNO3:1T4D*!>U#+D()+O]-%/-LNJ?^+25-)5IIQ2=A5MZ=3-
MUGB'#**,/^/@N<4T/ONIEU8H3I>0\Z!KH\S#?^`)(A16IP>L1#*THBZF2''%
M;]S+3BFVOC;$J^ISGO$3C]ACBH$MFTQQ0^?2)TP1"L\YJ!8$<[O=PZ74H!S3
MFGI+L09=KO-G:5'<C2%*^-O;OQ(^/8;F1H5X,\)%U^VUMQN]&8-QK!6F3WC]
M[/%9L"JD`E%KD$$%???TD?`KH7FP9F`G25;1](I;VWG'Y"W1=S._'\)N"?EV
M36"X:QV8:2E$)QI=AMQR7-.3BS78&RDLA+C2H3B'IB^ZV-S7T_P)8<DL[8TU
M]+'TV)N9,.>^-E)YQ>7NCBCU\-6\E7H8&S%[79$'I-Q=&,I'B;#97GQ[<B79
M!H)IH<B0RMA+L..UI]MUQM#F@JVJ&PN"#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@'#(_H[_`/,N_P`16`4YXV_Y=>!_V+<L_J,"P5]673@@P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8!YU=\\0;=V?RJI'62)J-(Y37>=RZB:J+9.P#"9;[M5NU`3T&.[`L<$8S
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M.73[X>-^UV$MB+)AOQI,F,B?I6F!C)UT70WEP8C`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8!PR/Z._P#S+O\`$5@%.>-O^77@?]BW+/ZC`L%?5ETX
M(,`J#N/::OP.@R>A6V">*C8Y<&(2*K$)@D>EK+DF8\R9#@R)<%M^'6@VI1@B
MKY-*9%CI+J4K4WI"M]Q^!>Y+)6+8<5-Q;K)T2HM$W1ZR=(Q[Y22[39YV;:X_
M'>1>4G&J5(JKU>K2TTBJR?\`-39\$.^\>%G9]:EWL3]]&V>N4N4-BM$"#_YN
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M>"SP0FJD+*`?DOS"P>9;OMT<>#CQH,5]VQ&&2Y1D>_'&IE/,3EI8<0AU6D9H
MRX3DE<4(6I2C*4E%]$U&M7K]U43DG*B:U6AJPY?`E!RE<BI146UVIRI1:=75
MT:5:/1ZGVM_EEPVG3MA9UP;D6-9Y=78!M#3#+VCJJE<KE"00FRA[(\.#GBZ"
M5;27E.MB6Y,-UIR0E;3J4+'"\A?CZD84M;=U:KINC%T5:MISCY5YJ--+5"]R
MN#9>R4ZW*TI1]=LI*NE$GLEYGY:IJNC$KRZ\<QD4J\9ZQ4AL@"\%A&H/UZB$
MB*4.M2U1!8_8MF8W8I;4@?)CO?;=RTL28[C3FT.(VG2/"<I-Q5NS-J56G2FB
MI5NM-JU36ZE4TUH'R_'13<[L$XT35:ZNNBIUZ-.E:--,R![R*J`CIM$YM$BN
MET7;GIOK"KLV>IXJF!^=`]QVY5F01.V$;+L\9MR='7(2'8G;@Q)#4F5MEEUE
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M:VWZDTFHJC='ZE7)K2%/3E52:=%7HG21YC`DW2:V1;3?37R423UE7?&CBFJN
MG:JY9?EOXUI?(1F^R4R6^-#`SK[0Z<\34]`LL>IRZ^V,^WQY6C)4Q%OH1R/`
MA_//=07AJ2SO4AKW8?L3EJ)NQ<2<FM536.[=6O1+9.K=%Y9:Z,S_`&OQM7%7
MH-I)Z.NDMM*4ZM[XT2J_,M-4;#,/M26&9+*MK9D--OLKVE:-J:=1IQM6T.)2
MM&U(5K?HK6MZ_?UG&--.CZHY!--570Y<A1@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8!PR/Z.__,N_Q%8!3GC;_EUX'_8MRS^HP+!7U9=.
M"#`*,[3X_4COKM+B=%D6*95:=.L9?53"V(Y589PR?JQ.EMSBY>KD0UB4R,K5
MB+1D1FI;<=_1%>WD.>QO6N1P.3R.-5QXJBKUQ16YQ4FE&2G1*2<=91BZTJMN
ME-38YG'V<]VUD.3M0;>U-Q3;BXU;33TC*2I6CKJ:V;\"8NOB2SV2UQ?IXG)(
M$8A!KE?@V%M[DPQ(4??=G8?P2-=LFA&FQNK<VAN<V(TJ`\W)BJ^/7*_XDEVV
M(.KN.CE)Q_6.KA1_Z)/S>GTW>9-2U.,_8$>R]-45M522?ZM44Z_WK7E]3KM\
MK31->.^%]6XD9I12GV=R.U1SMH7$9150,2;8*4>K#%;%U6W%HVDRC9.K:@1E
MPRVM,N_$TMI3/HZM>;?.YZ]R%NY"_"KN1C7S-I34MSE%=BE5UCKWUT-?#X6U
MA3MSLSTMRE3RJKBX[5&3[7'2DOE34CKGZ?W--262L.Z]&C6$FZ9F]`,R;#*-
M(Z`5-=3&]D=)3`9QXC7JLY$O4:8^PT%BCV4M%)*%(5[D;1JKW+ETV2MVG:5%
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M@[6JW8:B5WT>X$1/-B%DF<U`.P*[&15X]\F'SE^A2RD4>@A8-6"T'-2V')&T
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MZ[OS_&-UW[8]4E'[M*?<5/CYO`[/^!P;&2$?%]8ML,M29%>+\Z*R`=8G+K=C
M`U[AP!90K$5#8B6:*51PV*MZ*M,9"$E):6EM[3&6Q/\`$,WN4[,'"XI*:K);
MHN5UT6M8T]5T>OW8UKK7)<'!;7&[/=!IP=(Z-*TJO36OI*JT^\Z=E,6[^GW2
M(U(_)H:\GD;0X;E-$K$!K=D3HK8J/RFF$SFX&X@MN.;8=Y6P6'RHCD5X65EJ
M>C*;TQ'0WFO<V0\CU[EN/9I%RCI&=R:5==/UCC).JE%4=:LTW[>L*QZ,+DNW
M5I2UE&W%NFFOZM235-LG5=$;TUP.JO5X"`66+GE`PPL.HY89FB!\TH9!8A;+
M')^FV=3BY';'S27O8CY7EJ5Z:]?3.O7;GJW97=L8[I-TBJ)5=:)=B71+N.>M
MP].W&W5RVQ2J]6Z*E6^UOM\3,YIF8P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`X9']'?_`)EW^(K`*<\;?\NO`_[%N6?U&!8*^K+IP08`
MP""=%NZ.?U])YP:LJE1"+`^E;E)AJUN4EY7R_*IB1KT1\7[GM_'U_=S**W.A
M&Z(K\STF_P!AX=>KUR.F03/21X"SKHU.-$6U0#=F%Q7=BH,J4J2!94B=*TG2
M6ERH2'%>B%26$JV\A*.UT+&CZ]#6>A>:QXD:`UJ=1G+D,)O<\KS'28\@;RQW
M=G+B^X&>J:OG,+L5?+<K_9#&X0:BDH4@E/F+(QEM)0G2D[UB9;2.O?J/0&UZ
M*IY&4<I\`9=(YTTW;1JY";?"M/CG6^:CZ_&V.;;/52_?XDPCKIE"T,04Z=6V
MB4RWIUT7:9R;Y[LE0L(D%Y;?JP*(*%!)%LL4*ONKK?0E5"K=(,4DI1I]BK]E
MD(:IEIC;8)I]D5YYQ2D:4A+>W@V$_OOE%:XOBU;.^U'GI`9/)*!(XF"GM1+U
M8^F0+B7!"Z7/"TJK&A[LFUVY!C>Q5>D$X*W96V&ILR"A;[L<1+6A&]^172KM
MXAT?M/.[/SJ'>Y=HYS4;<052CUPHTHT>Z)7^7W2%7!R+I5YNU`#QQWT<02FL
MMS(#L3WO>BG=!1*5'T,I6_-2'9;VYR2LT$G>+XS;8U?@D0AZN#Z99:K&C6=P
M_P!(@6"9.>@-0AKU,G-K%Q'";Z93K#&GE[U*<BAMTKV&&Y[YD7"UF*/7R7))
M;5ZZ9##2Z_S\59J[(&!`<>T]I'V:Z$>AS9<%HA%17N:,OI&-"T2D27VFFU/H
M>?=A@XT^!(^6>6NNR]G%4>L#&QE=';Z5'-RU281Z!:XHL1SD]0K54+*/4B!,
M#$AMGE_-MCYXZG$ITT^ZC6G%`XT53>#!B,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`<,C^CO_S+O\16`4YXV_Y=>!_V+<L_J,"P5]67
M3@@P!@$=M$&KD!FH]N;%."=267-),NL,P_JT:7\&]+D.-M_-K6U>W7KZ_NY5
M5/3J-.TKB_$>,47B/2+!;GQ@SC%9IMOLE_FA=E)<:#51`F64M<YG53^I/.2H
MHV*ZY[8&E3?>G7PZVY[=8=>WJ$NQ%1TJL>&N^CA>>TL#2'[Z%XW4;V+#QX!:
M7%5R>W3^FUFK6&3*FH=KQB59I5PM;.W)+KY>8V4F+?\`<W)VM<,O-3P(F-YY
MX.1WRW.!U+K&R]>,60&JJL;/3[47V;#\5'V8R(AM$9=DL@`6/ETI*R3?S1PZ
MQL%UIR.J`RXT%9=3I6[@'CL-\GN32KN<'IL=NI]GK?*N7O@9TAVUNT:H!HMD
M,6BXN.$Y-EFU^I18_P`#A-QB:YI+:52928T=E@*O:7DUR3QI<I-CY[&#T?\`
M(UY.&[T3KD2Q*;%K.`#<,H:L5;1',I55W:K9H+,K;@A4-`HBC3R?A?WM6Q*N
MOB=$2-\6.><YM_/ZXWSP=SSF(V)V6W4JNRFB\>K#WB$CJ0^\R:^*?($6?O!D
M"\<8>;:VHA-;<DITZZXM2Q?,W7M(U1^&^*-J!1;N`Y5'K+9NR"[_`!'+("NG
M-+B*-@95M>"D(P>S?EZVTX<TT>-?3PFF8<%X?/E(TRJ*^XE0E6CZVSGWB)61
MM+F$ZU4%L6[J%6U1)0`C)?)OWHY?3D<7+JLX0602A#(5JZF5U,1`<1!C1"\M
MIYO45UQO8M9,L[EO#N!T1Q%JY-2ZB,5.7.=BGJZ]L@RIF3&'AI$09.^LFL1Q
M,0>!BP8\2.I$2%&AM1V&VVFDH2(VWU+SP08`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@&`L%JK-4B;G68^(`Q/3>TO%B$6
M"ESV_NI9U(<0IY?_`.JC2M_Z,J3?0E4NI1Y/RQX:-<4VBUR"BD^NMJ$@C4MK
MUU_^B^J$RPO7^E*MZWF7IR,=\3B'>6W#9[B6W+-.&[5OTTLG7S;#6M__`*SK
M,*0A&O\`3O>M8].0WQ+MK5UJ-RC_`%55LH4^SI.E+^UD8TMQG6]^FOJ&&W-O
MQ]^O[SB4[S%IKJ9)I]"3Y"C`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8!PR/Z._P#S+O\`$5@%.>-O^77@?]BW+/ZC`L%?5ETX(,`8!7/4:1)Z!64@
M8DZ./=T3AS_J)3#DAKV14OI4W\;:T*]ROE_#?KZ:],RB]KJ1JI69[AI0OX[]
M'XJT<%MDKO5[D`C&GX$AT7#=L\"1#9>F0-/:?DQX^WO5Q"5ZVM/KK7IB3W.I
M8^4U:%>#G1:58G;U4;]3#=K#'!:J=$M@@["$,42BWR`YR:@%IPJ5-(:ATCE<
M%,!4IEM2I);;DCXD-OK2G"AGN."N>!]P!L4%$FS<X*$J^'"B#=B56B4<O'0%
M:\2)/K5W'%39+,(D1\<2+;D9Z2A+<<TTKWN+9=2]1N7Y?,L7H/AS<+7?A_0Q
M7;K='G4-7.?V;@K`]`L0T@U7+T?N=ZC=%.E0<^Z2&;M`LKX-.@A$5].*CQTN
M:D?'[,$4ET->W?T\.JRJG%J42\<]J,)CF]FYO\@=LT;?1S^';2-LY7R%V01K
MXR1-!ULC,5LC:M*CGB\*9)@DHY/6VI:!=R+\HGAR0IM'[53!R**!9[!X[P.6
M_7PG3!\T!MVV>J,D]S;!-$A)]FI;"N@,N04[1"<BH85&:C,L(82@3=K7Q(#U
M#P*M%A2_4.?6:F`.9&N8#:<:BVG=WM-GAEPG,O(VA1-#)I,P1<)!"L[O:9DA
M4Z6M^.P-7&;0O4A#D8%+OZG%</`(F1MKTFOM<8>I!.\B[)L&=JI@>1H`"N].
ML_1M5KEDFN+CM5971&K:^-/28VXBFFHS3S:7UJ]K8N[O-T_'#G%IY'QJG\ZM
MY8*6*5=!>%#W7XR6A8JN+.DI55K;,W[6#?L#U9K;\6`\6D0XLLL]'5+D-Z?>
M<WL8MU=2\<$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`?5:T-H4XXI*$(2I:UK5I*$(3K:E*4I6]:2E.M>N][_#6L`\_^V^7
MZHDB95^2N1WG&5.1I]U>:1)C)=3O:7&ZY%<TIB5\>];U]6[I36]__#0O7HYF
MK&WVR-.4^R)H"9-&+$0>+'RA`T3D*VIZ>4EOS92][_>T[(6M2$:_>2GT2G7X
M:UK6:M*=#2^)C,H&`9BO+),F8;X@Q^7)K&W92[#LBL/'!0($=V<3-DBS;C.Q
MX@*-C.RY;ZE:0S&96M7\%.\JC*Y)6X)RG)I)+5MMT22[6WHO$CE&$7.;48)-
MMO1)+5MON2U9YT^.'_5.<TD>6%YY+WNLH@^)<ZY-U3BWDB.CDEV\.#%,1`#5
MU[/6DJD((5N[DH;ICZD6PQ+!1IJ67HTM+:WV_8>1^CV;;X*UF8%QSYJ-K==L
MNFV4GJXVY:4<4]M)-J=*IQZ/S'!^I^'<YJYA9<-O'.YMMW$G5):)S7;7JZ).
M+>U*1^OP">"6D('LM9,"[#7+`,@F@)X)/BE`QH.4C-31I443@NOPR`XA#>0Z
MR\TM;;K:]*3O>MZWGBMRW<LW)6KL7&[%M--4::T::>J:?5,]5MW(78*[::E;
MDDTTZIIZIIKJGV,RN8&8P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'#(_
MH[_\R[_$5@%.>-O^77@?]BW+/ZC`L%?5ETX(,`8!5G7[%9*Q4DDZM[_NFRT&
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M4YA=K9R^?>#9X_8+M>XY@ISM@RP`K<@N9?\`E47LK[;;[L@?Z2!=J[38CD_3
M.K=-\BNB0[M=OR=.!<.[*`(TFK5*Q-PN+%QO4P(.HV238S#\D!T$O;*F.18Q
M+JX49S<&1O;3:HKVL$:27S*;YMY)=@KE=Y?1:_(2?B-%V*FW9R&^K]21Y8G)
M/3:U3;Y:>6=`NYQVP4X96Z8?D6B1'D?7L#I[,F,RZ\+&NRI$+1?EV'/7_)WL
MJ>?5+F,>WN<_L='K?+2ULMY+GANT6`+SJ$=\*H"[!:U6-Y0QU-HKG5;@Y,E/
M*T^XR.>>;^-4&4XD**M?R[3LS?*SR+JPXN(JL$3]^'BK0R`Y\?Y]T6U&'0&Z
MK<;1&[Y,LY"V*)%*L*Z+`BU18;Y$)6XY[42FG'(S:*2B[393BO>.O%>^L<BZ
M80"F(B:KU"/`>J5,D"R$@OS/L%MI;MTZ-%G&I<BDB+=5Q8MX!]$B8,)2GIZ5
M/LK1%9<$:5*HW]P8C`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@'GQY>]OD1W7N2U:8IG:F&W+L0C.;2[\4EM+L:MM.HWK;>GF%:
M=F>F_7;:T-?N*<UFK;C^DS2G+]%'GGFL:8P!@#`/&W];/S(_P\^.47QMHY7Z
M7LGE8"E?FQZ&]["-'\:&"#H\UM:FU:=A$NX6$<X(8_<5NOCB7_L36E;]<^D_
MM?\`:?)OG\N-<+$E2W7I*]3K\+:=?Z;C_)9YG]2?<2XWCEQ&-+_:\A5G_-MU
MZ?\`/:=>OEBT])H_&]GTH?/1^NK_`*:7]6DYR_I%>_3M[W:'IW)>E$'XWC98
M#<M3JN;])FK=E[Y:F7(7M35-Z(_M>Q3'K[()Y6F6D^PAOXO$?JO[+MY6++W/
MQL*9EI?KXI??@O\`24_E0_2?;#5_=5?9/IM[NN6[\>!Y"=;$W^J;_1D_T?A-
MZ?TVG1N4F?O<SYR/=A@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.&1_1W
M_P"9=_B*P"G/&W_+KP/^Q;EG]1@6"OJRZ<$&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`1FZ6:+
M3*E8[7,UI4<`&GE%-JW[=/KBQUN,1M;U^.E27]);U_I5K*E5T(W15/"$J5GG
M2A(V5?5))EYTHF0D+WZJ>F37ER)"_7_]'Y'-Z3K]S2=:UK\-9N>FAMVZZG0R
M@8`P#`W&\T3E-$OG7NJ%7`G+N35(I?N@$V%(U.^P!_B;:"!4N;TA^SW`S*BA
MA+/[KQ.>PGT]/=O6]XWCLKEL^SQF%'=E7YJ,>Y5ZR?\`-BJREX)FTSLW'XW#
MN9^4Z6+4')][[%%>,G2*\6?S[/*CR0O?EQY`=-\A>B_''/\`1#RIL(#$=6X)
MI=3&QV0]*H(#2_3XP-)JL&(.C:]-;<2QMU?JXXM6_L[@^(Q>!XJSQ6&OU-F%
M*]LI=92?C*3<GXON/D[F^6R.:Y*[R&0ZSN2;IV)=$ETT222[:)5U-?<Y4XD[
MXHL6`%19X"2F!CP(E`-`S`]Y<8@(,B9;)`44@2&]I<CS1T^.V\TM.];0XC6]
M?CK,+EN%VW*U<2E;DFFGJFGHT_!FK8NSL78WK;:G%UT='\FM5\3^N[^G%Y4-
M>:GA!XX>2CBH^CW1.=#=WF/%^/3,+H]9?DU+HD1IEOTU'CHN8*:IAO>M;U'4
MWO\`<WK>_B;W3P[X'W!E<5KZ=JZ]E?Y$O-#Y[6J^-3Z\]O<FN8X7'Y"J<YV_
M-3IOBW&=/#<G3PH;M9P!S0P!@#`/S3_J1_\`4/!_"?R6-^//(_'5'D5'YJY2
MJ]VSHN^C2*;6.?=+O[A":!YLV[!I-MCDC[-<&.RY.EOQU(?2[&TC;D61M'JW
MM7Z93Y_BH\EFY7X5W=SM0V;I3A"B<]9QHMSHM'I1])(\Y]Q^_P"/"\@\'$Q_
MQ"A17);W%1DTWMTC)-T7>M5)=8L]2/U/O.J7^G;X<7#RLA<XA]3D5:P\^!II
M4ZU.T^/-1=[0,KSLG9YD#8W65#&Y^WM(U$7\OL]OJGU]VNG^T_;T?<W.0X>5
MUV8SC-[U'=3;%OI6/6G>=H]Q\S/@N*ER-NTKLXRBE'=MKN=.M'_`>:X/]4[]
M8JS`0]F`?H;6,F$L(@<="3VO*VAM-D!1:$R0&S&VY-59D-(E0Y"%Z2XA"TZ5
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MU(46FT/UJ/.B5UZQ:@L:-.`(I23-)Q@JR7R[BHD/.OH8]NG%J7K>]]>N^EZL
MO0W*QN>W=1RVUTK2BK3K14KT.8M>IZ<?6V^MM6[;6E::TK5TKTKK0S>:9F,`
M8`P!@#`&`,`8!PR/Z.__`#+O\16`4YXV_P"77@?]BW+/ZC`L%?5ETX(,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`UA\OBCH[B1EAI6T_>3-?$N^G[[*R+<]U._]"TP/3?_`&ZW
MF=O[QA/[IY%9N#1&`,`^-[UK6][_`'-:]=_^36`?FF_7S\Q]N%*]X$4`K_L5
M+GANE>34J"]OVD>F/#U2>><FE+;5Z.Q>6UXJHF385ZI_,)733FM.C$^GT)](
MO:_X?%E[FS(_K[Z<+"?Z-NOFG\;C5%_,BGTD>(?5#W%ZEV/`8LOU=M[KM.V=
M**/PBFT^JW.2='%'YIL]L/'!@#`/Z('_`$G/0IEE_3SZA1)CJW4<Q\GKK"%)
M6O:M1P]OI=`MNHS:=_@AO[Y/GN^FO_:=WO\`?SY@^LV+&S[GM9$?]-B1;^,9
MSC_!M/H[Z59,[WMZY:G_`*/(:7P<(?Y4S]0V>1GIHP!@'F1^K1^H",_3P\1[
M1TX0PR?[C?);?+O&^A(8^X3[=UVSLNQPTA(9O3DDD'J36U$YK:4>C^F&XFE)
M>ELZ5VSV9[;E[FYJ&)<\O'VUZE^?11MQZJO8Y?=7=5RZ19UWW/SD>"XN61#7
M,GY+4:5K)]M.U17F??I&M9(_*S^IKX*E_!K]&WQ@'].EOV'R>[_YZT'O/E3=
M23Z2)PWUFY\XZP1>`3BZM*?G,4B).W"WOWJ9>(JFRV_3ZI6L]A]I>X8>X/?.
M7+$2CQ.-QTK./%:)6XW+2W)=F]JO>H[8O[IY?[HX:7#^T\;\1KR%_,5RZWJ]
MSM77M;UKMKKK1S<I?I'Z,_UYO&ON?EM^F_9N%>.W/2/3.FVSI7&'H%:'3P@I
MQ(L/;(10N5E$[$4#AA\$9%C>]YU^0A.D_AKUWO6L\M^G?*<?PWNB/(<G=5K$
MA:N5DTWJXT2I%-MON2/1O>>#F\CP<L7`MNYDNY%J.BZ5?5M)=U6Z&@MD_5U_
M4B_3F#\L7^H+^F+!HOBS!CTWG$GK'$.NB>E%*DB*-B!X$@PD9./5^04?9A;6
MS`F/A-3'-;9CR%N^B5=DM>R_:_NB=[_#?+.YR[<I^G=MN"EK5TJHRIKJTITZ
MM'`S]T\]P$+2YOC]G')1AOC*+VZ4U<9SC73I+8M>NC/7OS\YBG]1;]+WNE(\
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M$/U3@TXM]DE:[:.LEHXIR6R,+SDXE+[9?OUKO*7\X$_'JFVDSX3_`*4?*JE6
MWK->.I2)<\A`Z_W:AU1^0+8EV#KID++'#9K[T5,<!!=8=7MS<;3G%2]OYZP+
M?L/B-BY*Y!97(7)2VPM]';M3E1Z6TU)I)UDU):;J<I^U\1YD_=G(J3PH2=G$
M@DG*3UWSBFZ5EJJMP:J[<DY0A7V6\&_U->%>=EAZKSFHT[LW%>W\14&=Z=P?
MR'H>^<=3K@JPH4L)8/L>B9>/,"3O1*=N(>T\PIQKY6D(?CK=Z-[@]I\A[>MV
M<F]<L9&!?KZ=ZS/?;DUU5:+7Y4='1NCIVGA?<>'S<KEFU"]9R[5-UN['9-)]
MM*OPKK553:2DF_1?.L'8!@#`&`,`8`P!@#`.&1_1W_YEW^(K`*<\;?\`+KP/
M^Q;EG]1@6"OJRZ<$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`:K^8T!V9Q2<^VG:M"['79[OIK
M>_:TJ6H?M6_3]S6ES]9G;^\87/NGDIFX-$8`P#+@R8@$3:LUA6VW7:?&)7FR
M./;3IE%;HHN;<;`I[:O1.FM!@;_N]?P],U+-B>5>ABVO[2[.,%\9M17YV:=Z
M]#&LSR;G]G;A*;^$4Y/\R/YLO0KV:ZET"^=/LDAZ78>D76U7\[)D.+=?>+W(
M]/L1%;KKFU+6K<LBO\=[]<^Y,3'MX>+;Q+*I:M6XPC\(I)?F1\>9U^YDYER_
M=_M93;?QKJ_FZLA^;@V@P!@']"/_`*2BFS@_@9W.YR6U-Q;OY36%@9M6O33\
M6J<UYN,D/H]?W4:(R7VO7]SW-;U^[K>?,OUHOPN>Y,>Q'K;PXU^,KD_\B7VG
MT5])[,[?`7;DU12R'3X*$'7[9,_5'GCQZB,`8!XT_J7?I"Q_U%NQ>/W:4>5'
M5/'BS^.(XHFA;YZ!$&50+00L0JQ,7<;+*%(2PEE'R`L5+;\=/R>C#:O=K;:?
M3O/M7WK+VQA9.#^$LY-G*:W[VU6.UQVM).L=7H^]]YU/W#[6CSV39RG?G9NV
M/N[4W1UK5-2BTZT_JQ[C\WGZ\7Z?'>/%'QDXU>.J?J4^5?ET'LGDK3:4-H?;
MY^I5:K)<E3KX29O0G6[$3VBQBHXER,SOX]?R,QW^&G]Q7J?TY]R\=S'+7\?$
MXO#PIQQ92<[22E);X+8Z16CK7KU2T/.O?G`YO'\99NW\_(R(RR**,W-I?J[C
MW+=<DJT373HWJ?I\A]+H?Z.7AK7COFOY9=Q\AJNOK+%?F=]Z<")W&[CGNDOR
MI-=%&1P*6>+)JE<0,<92Y'U*<:2O7\GZ>OIY&\3(][\W*WP6'CXUWT=WI0:C
M%[.K3:BMSJNM%IU/3E?L^V.-C+E+]V_!W*;VI2DJQKT<I2:\K?5NKHET1X_?
MJT?K)>'WFOXEWKP6\$7[;YE^07E%JK4FM5GG7-[VV.JS3-O`6)\^4?M-:!/R
M2D+[(E,1J*VXF-)6F3*=CL,K5ON_LSV1S7`\S;]P^X?3P>-Q-TI2G<@W*L7&
MBVR:2==6VJK1)MG4_=/NCC>6XR7"\3&YDYN0XI+TYQ2I)2KYXQ<GY>D4Z/5]
MS_0A^G;X]6GQ1\'/%SQWO$UB?=>4\>JE;M[L23J;!8M'TFR)\:/F)4I$L:'*
MSG8D9U/\%QAA"M:UK>M9YK[FY*SS'N#+Y/'36/>OR<:JCV]$VNQM)-KO9WG@
M<&[QO#X^%?\`[>W;6[6J4GJTGVI-T3[4C2']5[J%W[38./\`Z4?CU8I87L7F
MBT0G]VN8-W?W+A/A37)*&.Q7R2M"DI@%^B->^K@TN[TB8_)DMZVASXU9S_L[
M$Q\"U?\`>')14L'!HK,7TNY3_LX?"'WY4U7E>JJ<1[DR;V7<M>W,&5,K*UN-
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MKHJ]&F_T]9Y,>B#`&`,`8`P!@#`&`<,C^CO_`,R[_$5@%.>-O^77@?\`8MRS
M^HP+!7U9=."#`(?:^@T:B-.R+I;J[5&&*[:;<^]8"\(2TU5Z1"C$;A8'')KS
M*$"*P/F-/SG][^.,TO2W-I3OUP*-G<KUQJELW,U6+&%L'V]L0].V'(Q2*8C1
M\/#L(1R0J*ZZEI)8$1CS(^][_E8S[;B?5"T[V!),`8`P!@#`(4:Z-2:["LA$
MU888^%4"H0)99#Z)/QB2MC2$4$A2/C86I3A#5D@^S:-*3KZA/NWKT5Z!0FN`
M,`8!T"I0>#&$C1>8P/%"($PH3GREZ;C01X^.Y+FS)#F_P;8C1FE+6K]Y*=[P
M#HU>R"+C7`5L`/2I`.R"8!P/(FBR@67(&$XS<R"^^)-PAQ<>MZ,ZE7Q26&7D
M>OHI&M_A@&=P#@:E17W93#$EAY^$ZAB8RT\VX[$>=8:E-LRFT*VMAUR,^AQ*
M5ZUO;:TJU^&];P")6CH=+I9*OB+18(8<E:GGX]>AR425NE7HTP0/?;C_``,/
M)TIN8>B-[]VT_B^G][2MZ%HV33!".6>WUJEP$E;28B!!RU34ZFS=K1'3]M#%
M+#/4XXA"TM-Q`H27)6I7HG3;"OQ]?36PI4Z=(O=6Z,!8LM0(/D1#ZTM:<EBC
M`.:P_N-&E[C3A!^`+,#I;<>6VI;,AAIU&U>BDZWK>M"M4ZG2?Z?0HTER(_98
M+4EJ^0>8.,J1*]Z+Z3%0CD"M;UJ/O7UTD218?2K_`.%\;FM[7K\<"C)Y@@P!
M@#`,#`LX$H</UJ`28E'*LD2NP#F]._,+2=C/3!&Y&U-I:W]=%CK6CVJ5Z:3^
M/I^&!3M,]@#`,%^9@/YFU3?N3'YGV"W9M!_1WZG8'1#0K9+2OC^';&B"M-;U
M[_=[M_N>GXX!EGI46,N,W(DL,.3'_I8:'GFVERI7P/2?IHR5J3M]_P"FC..>
MQ/JKV-J5Z>B=[T!SX`P!@#`&`,`8`P!@#`&`,`8!!^EU)-[H-MJ._;IPX$F1
M(BU;]$MD$H^<:ZK>_P!Q+)!EI6_]&LL71U(U54/"E]B1$??BRV5QY45YV-*C
MN:VEQB3'<4S(8<3O6MI6R\C:=Z_>WK-T;<XL`8!I[^HGTO\`9!^G[YA7=I_<
M8B3Y)^R(`ZE?QN[.=TLH3F3R6%:WK?S-T\T9?_#\?8RK?[V=Q^G^#^T/>&#:
M:\ENX[K_`/A1<E_TE%'5_>F8L+VQEW.KG!6Z>$VE+_H;F?@.UK6M:UK\-:UZ
M:U_V:UGU^?*SUU?48(,`>BM^FD(6ZM6])0TTA3CKBU;]$-M-IUM3CCBMZTE.
MM;WO>_36&Z*KZ&4(N<E!=6S^M!^D/XJ3O#/].[QGXA8!^AMZC4C5ZZ7%4WMN
M3&Z'TR?+O5G%S=*UK:I-<E'="M[_`'/;!3Z?AGQ;[UYB/.^Y\OD+3KCNYL@^
M^$$H1:_I4W?,^M_:G%OB.`QL*::NJ&Z2?52F]S3_`*-5'_FGI-G5CL0P!@%6
M73MG+>>77F_.;A<!XB\=<*3Q'/JQMJ;-+'Y(R&J80D)C#XLM0\5$3[&G)LKX
M(:9+[+.W?E>;0K>6,#,RL>[E6(.6/92<Y:)*O3KU;ZT571-THF;6]FXN/>MX
M]V:5^ZVHQ[73J].BZ*KTJTNT^6;AQWI8^Z[;-T2]">5VHK6[TI3@BQ#J3<JX
M&@&C0@RIQ,N*,/`@QQAR2WOT>C)?]J_:KW)T=C.Q)6ZQN6YWH*4.L7.,FTFN
ME4VG3L=`KV'DQG25NY&U-QET:C))-I]S2:KW5(*GO/C/TR@UTV0NE#L//.D7
M,'S2J:N$),<+>[K9/I%5VK@1-M'1?S+/,HF-N14L,/(>;]RT[VA"U)W'[.Y;
M$R96X6[D<FU;=R6UZPA&NZ3<7Y4J:U:IT-#\?QN18C.4[<L>Y-0CNZ2E*E(I
M26K==*)D.J=[\(.1&;W`HTK@/,#-2L53IU^W4P%3I;D*QWNX0:'5@Q2:'%C6
M9\@K?I[(;^"X\ADNKZ1[;<A*F]:][&]P9T+<LA9-Z$XRE#=*4ZQA%SDTFW2D
M$Y=E8^956IHVK_!X<[D;#Q[4X2C&6U1C1SDH13:2K6?E\):/4V.%W^E&[E;N
M>"+.&)7BA#JJ7NE7AS6GS-8&W=)M=1F&8:-[<A-6%NN3E1??Z;=3&7O6O36M
M[XN>-D6[$,J<)+'N.2A)K23A3<D^W;N5?B<C#(L3O3QX2B[]M1<HUUBI5VU[
MJT=/@=6#S#FXSH!SK`Z@4R#U*S`AU6L72(E8"Q[V<K`AW4@57"UM:A)/3P(Z
M1KY&(;KZH[;G\)*-*_'+++RIXT<.5RX\2$G*,-SV*3ZR4:T3??2H6/CQOO)C
M""R)*CE1;FM-'+K31:5[%W$G+AQ%A%SPA\4-.!2D9V$3$%X,8D+(PWD^UZ)/
M@36GHDN,ZG?HIMQ"DJU^[K-&$YVIJY;;C<3JFG1I^#6J-2<(7(N%Q*4'U354
M_BF8JH4BF<^",UJ@U&L4BN1G77X]?J``56@D=Y_>MOO,B@L2%`:=>VG6UJ2W
MK:MZ_'-2_D7\FYZN3.=RZ_TI-R?VMMF%FQ9QX>G8A&%M=D4DOL5$2?-$U1@#
M`&`,`8`P!@#`.&1_1W_YEW^(K`*<\;?\NO`_[%N6?U&!8*^K+IP08!J?Y7<*
ML/<!7+Q]:T!UH-TL9'Z$V>E2HC9?A=O&DJIV>KP%184[ZDB?JA'VL,.Z0PZZ
MTG2UHU^."IT-.>:^$_>*ET#B%CM%LU,%4VYV&:<8H]OBB?M,"GV:K53DIA]!
MZHS7SD>T>.G,P8"QQ(2X,M"W941M]V-(<?0,G)=A/K;X==)F=>/]?J\P&Q;)
M'0Y5T!%"]ZO2HK2H_6N"&*^V1#17OHFX$+EM3MXIR-&2C26#<B,VK22,IS0;
ME2A5O//"[R+B-CK!8Y59#VBL6T?;*$-9Z`7>KM0+S+GXR&[I(@":G7:P&BBC
MT7G5STAC4>1-W!.*8?E.OD2#NP<E\O\`E*5/^/\`Y%<\52&+F,C&C]SZR#D4
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M(`Y6F-*CD6$;VVQ.GZ;HW(MWE/B5U(+X^W'EO0;`6/6:W]=X^?N,@A?M2`-J
M!4N\<SG].L8&57*Y6C@3?5JY6"+\Z%.7(ES9TI:93_H^XO8.2K5%.S/"SR0M
MYSIY.V/5$7%-RKS9*T&KO0#0FM:ZBY1^R5^E=`%!P-<$21"(Y>RUB0A9247*
ML21?U2WMKBPFT"[EV%0/>-O=>JWKKE7`2+$D=7K()5TZV"+K:ZWOM1PA;_)S
MXB@E_I%#DU:N7WF<.ZU8BA,6+/C,I$P]1Y6D0P^U!5):_ET-S?)'Q;ZMUCH+
MD@4L2?K)7EHBE-6.RW@R-GU1@>`ZN*Z)6)%2'BE"+*/[HQ<P\4C)]S.FT#U/
M/-*5"'H4(FDC[=;\;^UF7/%JO<^C5H54>.5NE#"T\!;W:9:P$@'/JD"X#@IM
MRLG2"@5@H`V8/@Z&+%R]3%ZW,?7$WME0B:UJ:_:\._*?=6'@Q:*P"]O*H%'/
M:FW<>1E%*=4.Z1[\`H0=4:FI$`;YTRAHEC^A%/IGJQ9)4II>H#.FE[V,MR)G
M7/#3JM$/UXU4Z^/(GV.H^.M^F6^Z]`'EE&8%(Y'7.87&%UX/!J<)-V.TH<#F
MN5V:+W!6T2EPY+:D--3&7!')/J2GIGB7U^Y^21GHL:'7W0LNTCR+'1'>CV4;
M:?V;S2/CPDKR.)5(0E406/'Q^96.1\[<O33ZBR/;KY)Q#:`4EMH5I(\)O*.4
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MYJ8JHNQZ]J2PXYII:]Z"NO7L,5QOC/=`=3\JZK8^CGUS*GP^#R_G5[DS^BRV
MQ_4+9R>#9.TV(=+?&?F.R#QE^0-<&E!L>5,3K3[3.OJT.LZ@;6E.\HSE_C-W
M7JDAV^T1RR\.HCI;LL3D@,;?CC#7*R<X?.%B[8.3=:2Q;"U!O4B0AA]@4@.Z
MVS!3]/\`)%<:>32MKXF4N'#.L4ZV\Q%ZI*!NK=T:BN<IY55>B]2M,?QWBB>E
M\<G=+M8VTP*DFOGAUV!UDR1,,SI`YJ%$E.-?[0W+F)P*H^W1_%3R/I8.JOC:
MV,LE=IG).3\T*!Z=T*QP3G1_K"')T7&O6HFU69]Z)/S.E1#Q.6;<)H'1PLIM
MY4)R4J<YH-R_.2NT^(_3*'3[=UK:V:Y;`4`J9`QZM;+U:CE3I(.E]^.\WXT,
M0'%JGW`93.EVFDPM--1M[(Q0NMIU[(\9K`W+H7O:JUUJ;X>1>?V#F5AL%Z$=
M3\<AUA"2+@0C)ZVHEUSBUV[$50=$MS2E<H4XZ?L8UQ,M*V="![BY*4075(2)
M5;JE,E/"7N6Z$XC<<'9K20),1=U^?V*]C8`&OM<<(U'FC4.TI@29+R/'R^&/
MJX?QQ6GR28VB25:(,Q&]`I*O@=@9XH>3E/NMFOHT34[=<(^CD2?<977["`-=
MSW83?85"2QV*JJE(%&:H]?Z.):3%UJ7I:0JH['HU''J4#::H9JO^*73ZPS1+
M'>N8U?J5YY%V:B=>7>T="(EK3T(("YG>JA!K@@=8A:$@#W)';'&C#6/F3"+1
MXOSI6Q*DO(3!N7R/4JM$"A>N5\J<".5DT3""B!BMO36"3U?*38#$D@$=(Q4-
MQI[@F6ZMA3[:4H=VW[DZUK>M93`S>`,`8`P!@#`&`,`8`P!@#`&`>87EYQI^
MNGWNG`8BE5ZQ2$?F1MA&]I$6!WT1]>XG6OX$(WO6MJ7^XF7[O7>OE1K-:W*N
MCZFC.-->PTIS5,!@'AO_`-0-TO\`+'B/PKDD>1MJ;V3OIN[$HZ5>BI%8X;2-
M#8?RI_=5&>M/7]*3Z_AMV%_VI_#V7Z,8'J\OF<E)5C9L1MI^-R6Y_FMK[3RG
MZKYJM<7CX*;4KMV4_E!*-'\?4E]A^13/HL\#&`,`_1]_T['Z69CS(\D!'D_U
M6M/?X7_&VTP3C3A2)_\`+.L=G"K8*5:DCTR$;8*`J;,^G+GE:TXUZMQ82];^
MK=^+RKZH>\+?"<7+A\*?_P"6RH-.G6W:>DI/N<M8P^<OT=?4/IS[5N<IGKE<
MN/\`^/L2JJ_ISZJ/BNCE_-T:I-,_I$9\LGT6,`8`P#0CRHYOTLYWOQ$Z-Q:C
MGE7FG](=%7+J<4]7(E'"\.-0Y"NGT?I-9)ED&+%%LHR.EX"_`'2)(X\PQM$J
M&A]_4CLG#Y>);XW.Q<^Y'\/<M5C;I)S=U/\`5SA)*D=KTFG)*4&_+*BIP'*X
MV3<S\/)PH2]>%VDIU6U6G]^,TW5U6L6E522HU5UGHFNE*-<.U@"W.BYZM^1_
M<YJ@^JHF"D8,J#7BI1X!ZR6^4R_#9K,,Q;^<D`[:G5)DR"A&*YZ>Q]3J=M<N
MPR+&/<A=C&[BXZKNK5R_$3:C%:[J1FI::*,6NRAN(6Y6+U^W*TY6LF^Z;:44
M?0BG*73;64''O<FN^I1M"X1U[7-7JQ*J]L"52N>3OC=<N*T#K?1`'1^A\UY)
MS2S<:GWMB9>XMCN;"X[TBKG98P>DX5E-PG4L:>1IY,*/R.1R.#^*]93A*]/#
MOQNSMPE"%R[<C=4/)MC_`"H*4MD576FFY[&Q@9GX=VG&2LQRK,K4)S4YPMP=
MMR\U9?R9.*W2=-*Z[54UC\/.M]%2USFTTIL?2J=9.AAW+FJTUB0[TNM=F\Q:
M7W>1;`@^(0>+"9?.Z55-R)395F'*=L+_`+(2)+*/JG-[:YS"Q?\`:K-RN1.,
M'LVR_5RM8TK.UMJC4YRHMK:V+S4>BV=WALO)2QKL*682FMVY>=7,B-W<E6J<
M(QJ]R3<WY:]39GQ'Y!V:FW3IG5>XB0D#H?9:5S.9>W@1J(9@:N]1LW7`^@L!
MYA#+RQ8+FTBLH:<VVEM;SKR4>NT+SB.;SL"_CV</CW)XMBY<4*II[)1MNK\7
M<]3Y4.3XC#S;-^[EYRBLB]"#E1U6Z,KBHO!0V?G-[,ZZ<\,`8`P!@#`&`,`8
M`P!@#`.&1_1W_P"9=_B*P"G/&W_+KP/^Q;EG]1@6"OJRZ<$&`::>:?D><\<:
M)7CE6;&.V0V7+?;XMA"-3J\8CUBN$[*0K;QB3>*0V%.V%F"F.-3&^\%);^U(
MB#):DKVT,HJIIKV7S`\A`]"Z!!,%>7T"#9J_T2;7>CN4N_18E"'P6O*4-6*?
M,4W?6))F_P!QE<1$)'$H[T#VSBSS<>!(=^@;=A5%5+I[;Y9]`Y/:>+<ZI":;
M..6CF0PR7C=3;6$%OS#M+Z!)KI]R]JNT$N@6`L=`UNRK8KA",,@RT.S9L)<N
M'[J1)/4I(O\`J$]:B@T3!#%%)K-TWFQ,(5>KH!B+56"=[%43I/0NJM+[[%KU
M+!Q#9-.JTU*-L5JPBGFBL"RSF428[(RVHO*O>2':1O(>_7FZ6+FF[=4>E\<#
MLBXH%\K5.&4[I=.X?.LMHM$VNVO<[H]$HN[V8.H*-NBVIXX<XK<EJ/I3T<8T
M544Y)\P>E\_MZ*E6[/1[^0N/2[7)9+7)F0%H5@`&ZTS%J=FHUK7T6:1$4(*?
M".$"K`P59(8D1*2[*G1-28KCPNU4J77X\>9A;H%[KU?Z(;IL,'9>4"SX*4$$
MC6)DFZL](@\QL*K0Z+Z?=XU3"'+<8A1::MA)0+;X+_UX\W(]JXK8CCIH>C^#
M$8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`=$F,'F1\T26AQR`TC&=ASH,MM+T>5&?1M#K+S:];2I"T[_\W[WXX!Y?
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MUK\=[P91C*3I%-L_17^E9_T]7D=YLFJUU7R-#VGQS\5?GC$WIQR`L+UOK(Q/
MQR$C>=U<M'U,K@0JSO256$HPAE+2_?"CS-^JF_+?>/U.XO@;<\+BI0RN7I31
MUMVWWSDNK7\B+KV2<>WTSVI].\_E;D<OE$[/'==?O3_HI]C_`)3\O1K=JC^B
M9Q?B_+_'CEU+XOQ>F!N?\RY\%8`U.J`F-LP1T%G:W'''''%NRIY(A*=<D3)D
MAQV5,E.N/O...N+7OYAS\_+Y/+N9^=<E<R[LJRD^K?\``DEHDM$J)))'T)B8
MF-@8T,3$@H8\%1)?EJV]6WJW5O4M#-H;D8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P#AD?T=_^9=_B*P"G/&W_+KP/^Q;EG]1@6"OJRZ<$&`,`^-ZUO\`
M=UK?XZW^/X_CK?KK?_EUO6`-ZUO\=ZUO?IO7KO7[V_3UU_Y-^FL`^/8CTWKV
MI]-ITC>O;KTVC7KZ)WKT_%.O=O\`#]S\<`^WIKU]?3\=^FM[_?\`37KZ:]?]
M'K@'QI*=>GIK6O37MUZ:U^"?P_#7_9K\-8!\:2E/_=2G7\%*?PUK7\%/K[4_
MA_[*?7?IK][UP#[8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P"I+UPOEO15.R++5(2B;R5)4:&;<$&-[5_P"V
M[.'K87+7KU_#Y].Z_P!&9*<ET,7%/J?G[\S/^F7\>?+WOG1_(>3Y-=WHENZ:
M5@E#`=(GG]KK0I(L&*K8H77X\@&$*Q!`P,%C,,M/2Y"TI;_%>\]3]O\`U6Y/
M@>+L\3;Q,>YCV([8NLXR>K;;UDJMMMT2^!YYS7TXXWFN0N<E=OW8W[LJO1-+
MP5-KHEHJMNB2J4-2/^D3\219!B1T'RF\B[F/;<2IX;71G-J-N2C6_7;2ILBN
M7"0TE6OP]4>U6OWMYR>1]:^;G%K&Q,:$N^3G/\R<#CK/TEX6,D[]^]))_HI1
M_P"MO_@/8SQ/_1>_3@\-2`VR<G\<JT:Z`*4AV'TWJTF9U.\Q);>TJ;G")UO=
MGBJQ.0I/KIT1#@*UZ[],Z-S/OOW1SL7:S<J<<9]86_U<&NYJ-')?TG([CQ?M
M#V_Q#4\7'B[R==T_,T^]5\L7XQ2/4S.H'91@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`X9']'?_F7?XBL`ISQM_RZ\#_L6Y9_48%@KZLNG!!@#`&`
M,`8`P!@#`/C6];WO6MZWO7[NM;UZZ_\`+@'S@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`X9']'?_`)EW^(K`*<\;?\NO`_[%
MN6?U&!8*^K+IP08`P!@#`&`>6WFG^KEXJ^&L@G3YYB5UOLD#2VG.5\[DPI4D
M+,U[?:Q>;0\I82G;_'^$PO<DDG7HK4-2=Z5GMGTZ^@WOCZA0AGVK:P/;\O\`
M^3?32FN^S;7GN^$O+;?3U*Z'A/U,_>$]A?3:4\"_=>?[BC5?AL=IN$NZ]<UA
M:ZZQ\]Q=?3IJ?FM[_P#KP><77I,Z%SPO6/'NJ/[6W''4`3%-VOZ;:M^S4^[V
MR*1D_5Z3OTVZ/B#/W/P3K/L/VK^[!]->!A&YRUN]RV<NLK\G"U7^;9M.*IX7
M)7/B?$WN[][+ZG>X)RM\+.QQ&`WI&Q%3N4[I7KJE*O\`.MJU\$>85W\DO(CI
M4IZ9T'O'8[G(?5M3N['TNXE&=[5^[I$2287$91_V)0VE.OWM9[3QOL[VEP\%
M;XKB^/QXKIZ>/:B_M4*OXMGA7*>^_>G-3E<Y?E>0R92=7ZN1=FODI2:2\%1%
M<1KA;X;R9,.VVF)(0KW)D1;&9COI5K?KI27F9J'$J]?Q]=;_`'<Y>?'<?<CL
MN6+$H=SMP:^QHX2WR_*6I^I:R+T9KM4FG]M39CF'GSYI\<?C.\^\G>QBX\5:
M'&Q!>Y$KA75?'_W4.UNYN6`$XWZ?AO6X_P"YO.F\U]+/IS[ABX\KPO'SG+K.
M%J-JY_K+6R?_`$CO'!?6#ZG>W)J?$\WR$(KI"=Z5VW_JKKG;_P"@>^'AC^NK
MUI_G?9>@>8-,K9WE7"ZM69YWI_.QOV&\G+?>+6/JM&H(^F2)[=3L5HLZED)R
M=1WP[4>`)E/*3M*/3/B_Z]_1?V5]/L+%Y+V[DY-O-S,APAB7&KD=L8N5RY&X
MZ7(QM^2+W>HW*<55'W9^[K]</?/U,S\KB_<>+C7,+"QU<GEVT[<E*4E&W;E;
M582E<>]K8K2483='0]__`!>\PO'/S)HB>@^/'30=]$LZCMG13*G1MNJ$^0U\
MB1=PJ1)$8]79VO16D_4,):?]FU,..M^B]_*]VS=LRVW%1GUQ"Y"XJP=39C-(
MS&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#S-\B?U&
M]<)[@=X<)\?>@]6-`*X"LTHA323+O_R\U#3+VZZ+9#$9D6/!VM+:WE[TWM2M
M:]=;WK6>*^\/K%_A;W/=]L8_$9>?DVK,+CE9DONS5:N*A)I1Z-O2IU_.Y[\'
MF/#C8G<G&*=8OL:[J,U\L'ZR\2I,A9%I\4^G5MBQBDG`#IVSBQ2#(9;[D=!0
M=N:!9W*A+>;WK3B?76_PW^XI.]]1R_WC;>!&W/.X'-LQO6]]MSNQCOA6FZ.Z
M"K&JZ_Y&C8S]UJTD[F-<BI*JJTJKO54=()^M2#LLG<*N^,?0#LM.XR511-Q"
M3W]*F3(HZ)K;4<*XO6Y,^:RRC\/X3CJ4Z_'>LT\;]Y/%S9^GB<)EW;FFD;T)
M/5J*Z0[9227BTB0]V0N.D,>;?A)/P[N\^2OZU`0$F*LWXQ=!$)G:1N$HC<0D
M/4O3D$<31]/\X5'R^\:7B/Z]/7U9DMJ_<6G>V1^\GC8JB\GA,NVI=-UZ"KY8
MRTK#7RSC+X2B^U"?NR,*;\>:KWR7<GW=S3^9A_\`\Y-%WOTUX]V[U]VD>GY^
MKOK[]^OHCT^T?][?I^Y^[FW_`.)[B_\`TC(_U]O_`###_&%G^XE_67\1]M_K
MC4A/KZ^/-PUZ?N^M\KVO3\-[_'U$?A^"=[_\V/\`B=XQ=>(R/]?;_P`P?XPM
M?W$OZR_B.WK];>K*%N'$^-UXV%9(1Q+I;5W`_;FRDJ/)F1ARY?V?X=37XD)Y
MU#?K[MMM*5Z>FMYJ+]YC!=AY2X;*_#*:BY>M;V[FFU&NRE6DVEUHFS+_`!=;
MV[_P\]E:5W*E>[H=+7ZY%&VKV:\>[=M7KM/MU?:[M7JG7JK7I]H]?5.OW?\`
MLS3_`.)[C&Z+B,BO_;V_\PQ_QA:_N)?UE_$=F)^MY42#Z(L#QPO$Z2XXTRB/
M#NP*2\IUY]F*RWIMD*M?O=E26VDZ]/Q<<2G7XJUK>=O]YK`NS5NUPV5*;:5%
M>@W5M)=(=K:7Q:75E7N^W)TCCS;_`*2_B/I)_7`IL*3(A2_'6YQI<21)B2HK
M]ZK[3\:5"=6Q,CO-+#Z6V]%?;4AQ.]>J%)WK?XZR3_>;XZU-V[G#Y,;D6TT[
M]M--.C36S1IZ-=C#]WVHNCQYI_TE_$<:/UQJ0YM"4>/-P6IS>DHTF^5Y6UJ4
MI*$Z3K0C?NWM:]:UZ?O[UK(OWG>,?3B,C7_W]O\`S"?XPM?W$_ZR_B.:7^M[
M4($R2/G>.5UASX4I^#,A2;R`9E19L5Q34F)(8<#I<:DQW4;2M"M:4E6MZWK,
MKG[S?'VKDK-WALF-V,G%Q=^VFI+1IK95-/1KL*_=]J+<98\U).GWE_$<:/UP
MZ6Y\WQ^.MS<^G;^61\=Y`N?3L^]MOYI&T!M_"U\CR$^Y7HGW+3KU]=Z]<5^\
MYQKK3A\ET57^OMZ+I5^315:6O:T3_%]K^XGI_.7\1\:_7$I6V52=>.USW&0M
M#2Y.KT`W'2ZXEQ;;2G]!_B2ZXAE:DIWOW*TA6]:]-;]'_$[QNW?^Q\G96E?7
MMTKW5V4KH_L?</\`&%JE?0G3^DOXCMQOUMJO-BDIL3QLO,J&&:B/EY3%V!.Q
MQC)"6W`@.SG4!MHC-S9KR6FMKWKY'%:3KUWFI#]YC"NPG=M\+E2MVTG-J]!J
M*D]L7)[-*R:2KU;H9+W=;:<ECSHNOF6E>G9VG4__`#B4K_EWN7_CJO[_`/[!
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M`..M_CK?_P"Y_P!_6<#_`,3O&O5</D4_[>W_`)AM?\86O[B?]9?Q'S_^<2E?
M\N]R_P#'=?\`_P"#X_XG.-_]'R?]?;_S!_B^U_<3_K+^(LH!^J_8+4"$6:L^
M'G3SP$[8X]2%$Q5WJLMJ38YBIB(@QUIN#N5`W)6.D:;>DMLQE?3N^CG\FOTY
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M:<;BZIR7Q[N[4^]4_61BWHHZ$IWBQT*QEF1TTL[`&7:N./MC1Z6]RY:M."VD
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M1CO_`,Y5$WZ>GCY;=^Y7LU_]?5W\5Z]/5.O_`)1^*M>NOP_=_'-+_B?XO_TC
M(_U]O_,,?\86?[B7]9?Q$ZIGZQ0.XEZ7#9\<+U`"76^A.>0K2[;PKP9DZ6GB
MXC\?3S8A")4H7&+-2'F$*^332D^OI[D[SE.-_>(QN1R,:W'ALJ&-DY4,=77>
M@X*<I135=FKBI*3BG6C72J-:U[IA=E!?AYJ$YJ-=RI5T\.RM3V@SZ0.V#`&`
M,`X9']'?_F7?XBL`ISQM_P`NO`_[%N6?U&!8*^K+IP08`P!@'T<<0TA;KJT-
MMMH4XXXXK2$-H1K:EK6M6])2A*=>N][_``UK'71=1TU?0_+/^L)^K?TBJV(I
MXM>-*SE"A2@(DI;^Y--O0"MQK]G'-D12.+E4?R7Y,*CI&E;L\-:U3M^Y$!QM
MMM3[WVQ^[W]"^$Y3!M>^_=CLYB<Y*SB)J<+<H.C>4NV[%K2Q+2*H[BDVHQ^$
M_P!Y/]X#GN%SKOT_]HQOX4]B]?+:<+ER,U5+%?9;:>M^/FFZ^FXQ6ZY^5QQQ
MQYUU]YQQY]]UQ]]]YQ;KS[[R]N///.N;4XZ\ZXK:E*5O:E*WO>][WGW%&,81
M4(I**5$EHDET27<C\_KERY=F[EUN5R3JV]6V?3*8#`&`?52M)3M6]^FDZVK>
M_P#LUK7KO?\`Z,%2<FDNK-E/-,DKBO).&^%\#>XMD&1H/DSY,-H]4/[['U*M
M1OV8<]*:_!6G./<5F1=NQU_T<S92"?32T[S\S/K9[T_QO]0<K)QI[N&P*XF-
M1UBU;D_6NKL?JWMU'VVX6S]9_H#["_P%]-\6QE0V\UR-,O(JJ2CZD5Z%IUU7
MIV:.4>RY<N=YIOPKOG8?&;I8/KW"KZ;YWT``XCZ8P'>UN,2@_*EV0"LHA_3@
MRS5LA[?;(@36GH[NOQ]NEZ2M/DERW"['9<58GM<92@]T71G[^OTJ/U8.>_J'
M4A^LV..*Y]Y-T<6U*OW.&)+FAED%MJ9BKZ!SE4QQ<N=6)$IU*)<1:W98B0XE
MIY3C2V)#_7LO$EC2JM;3Z/\`R,Y6Q?5U4>DT>ON;,W`P!@&JGE/9^M5.%R*1
MRN]@:6NU=EHG-['H[0FKNF:,OAJ(*U,@_)9*[L7.#-H=6WO?U"'E.:TM'HG\
M153M-'[+Y4>4<7D(7JT:\<R&Z[1XV=P\C^>!(G+Y9C7,5<@$5BZ5^C&YDB_1
M57@=;*?9]1#!#:1[\`U&TN*C<>3J/'&5%6GB3.]>;UHYKV3J'%9-_P"36POS
MO@5]8A-J8A#.@&O)2C<B>\@G9A"C0+?)EP.83>43&-Z2AGUT1AR&_J_QTE`;
M:JOB>@TOID&L\UK=]M,([,24$5J1-C5"JV"U3]3SD".^K<<'7H18KJ$A]U7N
M7[%(:1Z>]7[^#&FM"J^H^0$Z'Q-Z^\L%OL66P="YMR2IJZE4;;6!0>T=1Z;3
MN8#K-9J\29KMBGUJNS+BB<XRPY%423'^F:D-+=TZ@5+6C*)Z=U#R(XKW/P]H
MU[Z8">Y#T>U6NK=`ZS%Y/`89MG2B33JN7\C,P&+9-7RZ!9HRG4#C;*);4TQ'
M9BONQENLL$`233?:5+VCRJ\B>9R>GUZO6<7TB("[)3J$,N/..`EKM?(9@KS7
MJO2+[R^@\@%=(_\`YKF^:0ZW4W"T]N<PH:)-%G9#:GQ2M(%23(S8_.7R#@<R
ML78HA#DLP(]5[C205<J%;+VZ)$Z;3_$@=Y&N=("61%I9?NU1*V5DH+B!TQXZ
MI(O8]],K3ZG].B[56AOGX@];NO8>:6(O?UL+LE4ZC?J`XMZG%.;V9X;62;:`
MDN\<T,D2Y&A6DB(ELR50ER5ID0GHTYM++<Q##0QDJ,VIP8C`&`,`8`P!@#`&
M`,`8`P!@#`&`,`_-Q^I$.MA'R)[55FN6]CL("X`^+'H-KYF#+/-/%J;5;,/:
MKIR2D`2'F*TX_8]R'&FGD/Q)D9MS6E[_``3\:_62SGWO>')8,<'D;V)D6L.Y
M&[C0FTYV;5R*MS?IRC.VW<W-)J4)Q3H^SH7/1NRSKUM6[LH35MIP3ZQB]'HT
MUK7P:-2K^>Z)8^DU:_A_'ON,PA4N4R**R?M_/BLRP6*VZJQ2N`[^?&1:F[6-
M$:RDBTMO33&US'H+3[JM.[_@]!Y;*YC,YFQRV/Q'*2O8^`["N7;$G<N7?2E;
MA?G%6O2W6]R:I&LW",Y/=TXV_*_<R(WHV+SE&WMK*+JY4:4FMM*JOSI5ZF:,
M=`Z:6(3#._%KJ$8S\U@^RDHW.RD.0$A3GKW(K\2,H?1X?_[BD'0[REI]JWWQ
MLE>]Z^K_`(&XR.6YO(O2R?V%G+)K<V26/)."D[[MI;;*^XYV9-]92MS?^DTR
MG>R92<_PUQ3JZ/:]/O4Z1[*Q^-'WG+^>KNM\O(7XG]8;7+3+^%**!.E*,P'7
M[TS&IELEDJ'+ENTI`<Z":>1#4S*=W76T)6A#B-L9?M3DW.Y-\#GUE6GZB3WQ
MK?2LW7*PV[.R=A-0I)_AXI-*2<;ZMZK?X:[5_P`UZKS>658_=HX]-?*OE]&;
M+:3T8W7[7XW]M#`#`JQ52!/JO*G5&ZO4";M02$'BI/Y1'2-N@8-1W\K>U[9*
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M^-G8AI"8-YT.5/3S8D(%HW2'2&YSC$`%5VGX@\[$FH9<'-N:B[EL:)>J)3CJ
M%<=RM[E<_AY<;9X7D87I0QX[OP\H1_4[MU(PM)J,U)1=M/;NCZVEQR3TKSOW
M+#LQQ[J;4578TO+X)='W=*K=U;++A=3O@@L_-">,7;QL1S<%U$>/SM,1S[=`
MZ'7KR.YPM`ZA1(V^=`(M<;@PE*TX05I]]QS?\M[&^:M\YRN/D.[B\)R<+;VN
MBQZ>6.1;OQQ_+82_#VU;4(=;CK-R^]1;A9%^,JPQKR7]'LW*2CI'[JI1=NKK
MU.@.Z?T9D.+V7\3+T;N#6QDRTV,GQZ805>S@H2!<'G#*7:Q'CP9(FV!5R&$)
MBR4.CY3D=?M4MU;NE9YOF(XT/Q'`95WD5M=VY+$<O7G&,-LYUM)1<;L'**VR
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M34Y[4Y:U9+<[\+<;3Q[^U0472+5:2W/]'MZ5ZNFI+&>I]`05)O\`^%WL;0>=
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M1*-=6ZNK?1):)&L_[%^R[_#]D'5]?Z=<XN?KK_3KU";UZ_\`ESI7^&_<?_I^
M?_\`;WO\PX_\)E_W5W^I+^(W^%=8LE4>@0:?XH>0L*GU,%2/V=U0D%)NLUFW
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MOV=G_P#V][_,.+_!Y?\`=7?ZDOXC[_L8[+_]G^K?W<7/_P#@F7_#?N/_`-.S
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M5*NGR*;[+5.L=.Z59KP-XIVH:,-.CDBPY;GA]QX`)%"8(837(.@M8@#F0=>&
M#V80]M#?O1#8;TXI;GO6KKON/`Y_F^:O\G9XSDH6;KCMA/'N5MPC&,(6X[+<
M8J%N,5"VDJJ$55MU;VF5:RLC(E>C9O*+I1.+T2222HDJ)*B\$=;E59[QS&\!
M[6/Y;VJ'&8>:BGV`_.+)J<7KJY<262#-*)UR5#95.5!;]C^T?)%=0A]K:76T
M*UI\%A>ZN$Y.WGV<'DXP32FH8]S=.W5.4%NMM+=M5)4K%I2C244QC6\W'O*Y
M&W>2[:0=6NU:JFOYNJU+J)V"ZENL4+J+WB9TF!*"U<V.NK(OG11J6<MQX09'
M_G<+N52)`O[M52)1)$4X4CS7OJ&$(?6IMMKV=EOY?)Y'/8O.2X#-C.W8G&\H
MX\JSNW(3CZ\*V7'?:E)7+3NQF]T4I-I1INY3O2R89#Q;B:BU*D7K)IK<O+2J
M;JJIZ]>B+8B=FM;T<2U:/$/L]KE5VH/4L04(TZ:B7,!R*50:I-@6)AF@MQRD
M4C/J4PEO3FW-1'R.],)U[?=KGK?N//E"W'.]O<ED3LX[LPE*RZN#LV+3C<2L
M4DI2M3N:UV2N>1:5-S'*NT2N8MZ3C':FX]FV,:/RZUVM^%="5A^I.V`1>I-K
M\7KU72#-2.C00U/'#I.7=TR8?4&:K29GVSE*QT*N!95T'K>DN31LQMT<T\AU
M[V:93O\`&YN67CY4\_@\JS>6/.,(_A)R=^L<E6K+VXNV-N#O6VY.=N:=N,E*
M5-JU(9#G";NX\XRVM)>FWNTG2.D*)+<M:IZ)Z]"E2)3L?4O('F4\?PKHE#H*
M^P<GL#U>3RHH.CCYH2R1H:"!`K`KD9+[(@+/7%2^XIK2HC"%.H3M"=(ZW>O>
MXN<]V85VUQ>9B\4^1Q;CM_A91490N);I2C;55"$G'<Z5C%.25%3:2EE9&;;E
M&S<A9]6#IL:I1TJW3L3I7NZGZXL^_P`]-&`,`8!PR/Z._P#S+O\`$5@%.>-O
M^77@?]BW+/ZC`L%?5ETX(,`8`P#\D/\`U,OZK17A=*9\`N!6=X5U3K=827[]
M:PDS;)2B<B-I=CCJ'!EQG-2!UDZDTV[N8K6T/1J^G>M:_P#F+3C?M/TG]FPY
M+(_Q'R4*X=F=+,7TG<76;[U;[.QS_H4?E'U*]URX['_8F#*F5=C^L:_1@_T?
MC+K+^;14:G5?EI\/_-NFHHX/Q(\R9)@IX]PGY3?%^T"X#M@Z5X?GB[^WI$D#
M"2K4Z\>/YD@O3MAIOO\`=&WM9`-MF:EQJ5]%\=G\S[0Y:7N+VO25RY3\5B2>
MVUF06E:]+63%:6K]-?[.ZI6WY?G;W'P/!?4'AE[?]TUAD6Z_A<Q+==QIRUH^
MCNV)O6[9;U_M+;C=UGL5V+C-QXC:(M=M*@Q<8>#0;;0+]4";5AYWU.A&-*<`
M=`YS:HJ=0K)53;"?5#J/:]'>2N/);9DM.M(^H_:GNSAO>7$QY?AIMV]SA<MS
M6V[8NK[UF]#K"Y'M71JDHN46I/X=]Z>R>>]B<S/AN=MJ-Q+=;N1>ZU>MO[EV
MS/I.W-+1Z--.,E&<91549V0ZB,`8!M=X@TZH3^B'>P=5'I(\2\8*<1[[U0>]
MZ)C6B/4YD&+S_F&EK3MM<WK73R(@`EK_`+ZHTN0YK6]-*]/(/KA[XE[']@Y.
M1ASV\WF_[+C=ZN74]]U?]C:4[E>FY13ZGM_[OWT_7U`^HN+C9D-_!87^U955
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M'NNW+Y/O1S-JXKL%-&XV:)J#`(O::76+JT#9M`IHLU6K0"N@1#K\MC4"SUF7
MJ<#*HW$D1]NNCY>O>E#GO:5O\%H5K\,#H4B,\0/'D3NZ)BT)UR%?*O=:07#S
MK?>"8`13>D%?OM_JM$KY"R20W-`%Q-Z3+(1:\P,:DOM-*5K?P,Z;%W,DI[QM
MXA9@96NG.?C)XPW=;%T0KI4PPP0FW*VL&(5B,NF8I)@QI908?EP5LI?U'2/>
MW%0VF/I+6@JS-A^)<T%T&#S&=7EW:DC7VI$,-U0P<ZYMMR,K2H6E$.FDK84>
M;&^FDQ4+>4F,C6DM:1K\,"KK7M.8EQ3D93GA_DS_`#BG1>;6AB6P<I@8%!KP
M.8J8MIUV:B*!:&_1%D28[3[,V/MJ7'DLMO-.(=;0M(5=:]I7)3Q,Y`<(\>)'
M]]'LJ^'VF3<Z7%MG8>IW"#+LCCC\H:4N4:UVXTF\2JP3=1+#K*;E+%R&&MQE
M-H1[-AN9BX7A=P$;6$T\>'O\(+%MY"^A%1NW=L:-5*VF=6M%A-4FSIZ#JS4N
M3:6;R7;+:%RXJ"C9!Y,I+NE:UH-S.1WPK\9G-%VD<R9B#S5`?YI)"#;/=!=<
MAU>53`O.I;@.MCK'%!5VTRZ%6QX9P]`CQCBAD)F/N7\2/;@;F7-S;EU)Y*!E
MUVBBI0^$2.%+.:F%#AZTV"PV4VXAPK8++:;43-66Q&9OPMH5)FRWW4LM-M)V
MEIIM"0;KU+`P08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`<,C^CO_S+O\16`4YXV_Y=
M>!_V+<L_J,"P5]673@@P!@%8=LZU4>"<>ZCVV^R_HJ7R6@VSHEGD:6VAS[-4
M0DTY.9C?)M*5S93,+;3"/W7'EI3KUWO6LW?'X5[DLZSQ^,JW[UR,(_&327R5
M:OP-MFY=K!Q+N;?_`+&U;E-_"*KIXOHO$_CY>1W?+WY2]YZUY$],F+EW?L-Y
M-W8TG;BW6!:"<CT$5P?[][VT'JH-F,,A-Z]--Q(C:=?N9]P<3QN/P_&V.,Q%
M2Q8MJ*\:=6_&3K)][;/C_E^0O\KR-[/R'6[<FV^[KT7@ND>Z-%V%*YR!QIZ4
M>&OG`%YS5M>,'E&//]!\1CQJ66#2`B&B'3_%^[&5(1-ZMPQV<XAM\;.=2A=F
MI[KC8JR,(VXCZ<BAJ3O:8][E_;_++W-[6G&WRZBHW;4FU9S+4?\`17TNDEKZ
M-Y+?:;_2@Y0>7*<7P7O#A9>U_=D'/`;;LWHI.]B77_I+3=*QE1>K:;4+B6NV
M:C<AN%V7BQKD!"NRVSH#H7,NB!?S=QOM%'?>G\[ZY27'ML-V"L3W4-OQ"`]_
M_9BX>8EDJ#()7%F,MN)UM7TY[,]Z<1[VXQYW';K>7:ELR,>Y17L>[2KA<BNJ
M?6W<C6%R'F@VJT^(_?\`]/N<^GO,_LSEHJ>+<3GCY$*NUD6JTWVY-+5/2<'2
M=N7EG%/K36=O.B'QO>M:]=_AK7X[WO\`<UK!>NB-H/)PG^P/Q3X]XT0U?2=#
M\A'@'EAY`H1O2)H^DHB$A?BWS0EI*OD;1L%.*765'<UK>G#0Y2M>K2=Z_.;]
MX/WK_BSW]/C<2>[A^'4L>%'I+(;3R9_*2C93_P#=2IU/U(_=F]@_X-^G=OEL
MR&WFN:<<B=5YHXZ36-"O=)2E?[Z78I_=1YF9X:?1`P!@'Z&O^G-\N)?&O+DK
MXW6$HIKGWDZ'>9$19+^D0QG8*2.F%ZY-82OU2T]:*NQ/&NZ3Z*D2&X*=[W\:
M=9QW)6=]GU5]Z'\#-YAW-MS8^DOX3]W><`<F,`Z!`J+$M(?*DH`QAQS33;Q"
M9'A-..[2I>FD.27&T*<VA&]^W6_7TUO?[V5)OH#@'GP1=QQD2:$DW6D:<=:'
MD8<UQIO:O;IQQ$9YU2$;5^'KO6M>N&FNJ%49;(!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`T;Z:,[E5^XWOK]4'6"QU`12N(UL351K9L]/)1Y=_M
M$CJLJHUM5^%T[9.'6W(6Y"I`5TD[_);8FI0TIA0R5*4[2@+K/\\3%(>'G8EV
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M-AC;Y"B5*]U$3.2(`2+7;:_(5%G!W9,E'HR[*8@P?=$3(!*/S.Q3;;^H9?(X
MR:0F?DN$4(AILO8GG=6?DC@\XS48;>X,BUQ]C9(LE0CL@RI#:B,V`:A2&'WD
MM:0/2%(HR06T_J)$Y19PQ"C@U"OM9%H)"I5:D?=?M?/BI.*,8-3]:$)&WBSI
MB,%FX\J80&S-.-,.P65M[T'E+RHO(NMV_F@9=[Z%:8-[G"P@2UD[3`:0<B&>
M9]1N%B`V`>*K4X+3Y:"+!-ME7K$^F(CH\94A,A*MIT)5)Z="G^Q:\CHGD+:R
MW,H/023VEZ`BQ\<=#G\[)4TZ`X*L)`/R2Q&`FN#=FA?1GW2@K:"4:;'8;6\E
M#[#$D54IJ1:(+\OJ7*9,#`%[CPB4=W\VDAR!EXLE;&2+RF1,D4:J6*QSQ!8Z
MT$)._"Q*8G>D9'N2E;C26W(-"R*3.\L)U]X]*Z\Q.B$25WC$I`@,*%P:O51+
M%9[:(O`&9/K\R<LL"F"(5=(1W"KTA6C,B-J.YK7\FFA[::'HU@P&`?"M>NMZ
M]=Z]=;UZI]/77KK]W7KK>O76`>//-*UY1!:IQL77*SU29=J/VCR(<9L/33'0
M`K74N>RM7)VKV_L$V?>2X.G??;A,A*EB70IATFQ'3+!H$QW4?$,W2O9T)CP.
MM^4E,N]$D]6"=I+2*].N:"Q"5T)5\`%.=.'.[1WXQIMLN)`E+R?N1VFE87_R
MWZB(`BH9C/,QHLB+H'M[#:KQ5$=V$PNSK[[#E1;$<[+,LE?W^>%W8!JN%N=\
MY4X.HRG!XMVOT@%96",*#!<8:>]S#C[NE//..N#%T[#:S!#R[[4(ZZ,[QY23
MP5#[7TNH7?Q[Y&/J\L.?N]8#TCHL.ZS@4$)0EUBW@5&@"8Q=VTV5T8TT;@I&
M/QU.2VR4.*@9JE%TK4@1JB>2(DUTP2N=W>[5BP2^95RM]!A2^A!K4#N9,[8#
M1#J\JL1;Y#@[&\EH.V!^X86&R#.EOMR2$=YQ,YV&%5\S>T75#9_R19Z6@7=:
MS5PG)B`26V4M%@CAK?:[!<EP(C2Z,BQ2ZNR[2:_1ER43/H6WGV[,RK3JE(6A
ML8UTH;*8(,`\9)?&/,5X)>2(.]]2?D5[HDT51Q<PC=ALWIT<A4W(70+P9_,%
M_?32(Y?45YD>VEB0"CSWE+$08NWHT_4-2L3U4Y"9MM@YE23-[J_Y+ML\##=-
MUCWOJV*DITIIMM3<N3,F1%R(S;;RHS[STB+MS;+KBW$*5NF#ZZ%CX(,`8`P!
M@'#(_H[_`/,N_P`16`4YXV_Y=>!_V+<L_J,"P5]673@@P!@'YX/^IY[C,Y-^
MEW9Z6+F_2$O(3K'..0NZ;7[)#E>9DD>DV9#>]?C\$L=S_P"D>UK_`+S4O:=_
M@K>>G?27CEF^[H7YJL,:S.Y\]+:^S?5>*//_`*EY[PO;,K<6U._=C#3KI6Y]
ME8)/P9_-8SZM/F08`P#T"\,_-Y7!!Y?AW;:X4[!X?]#-(+7?F42:Q&M_-[8X
MRF"UV[Q^-D??%IW50T7TU)C+]!%GA-_0DVU)VS(C[)1Y/C.3M^XO;=Y8WN"S
M';5INU?MUJ[&3!??M2?1KSVI>>VTZIZV9C</[BX>Y[8]TV7D<'==4U17<>Y2
MBO8\W79<BM&GY+D?U=Q.%''?3L'&$\^@5'H5%N`OL'CYU>-,*<9[E5XS\8!<
MH$)2=$ZZ?%R%+G43J=/<<3'L%:(;3.&R=>Y/S1G&9#OTG[&]^\9[VPI^G%XW
M.XU%DXDVG<LR?22>BN69T;M7HK;-:/;-2BOB[ZC_`$SYCZ><C&-]K)X'(J\;
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M6HI*,4J*,4J1BEV**2278D5#E`P!@%A\AZ48XQUGE_8*^^N,:Y9T.F="'/-J
MVA?SU"PCSBFO77X^R4S"4TO7[BD+WK?X;S&<5.#@^C31E&3C)278S^K\#,P+
M$$#V`4]J0,.BQYD<_KT]'X!.(S-AO:]-[UZ.1WTJ_=_?SJ35'1]3G5JJF4R`
M_-9_U/:%.>''"-)0MS>O)D5OT0A:]Z__`)7]*_'>D:WOTSD^+_MI?T?\J-EG
M?V:_I'G3_P!+RTM'E-Y-[VTXWZ^/]=UK;C;B=>O[18?_`.GI/KFYY7^RA_2_
MR&EA??E\#]&LWE/D<9XPGFM0"W6D]BL1H/OL_9K=VB=%&'YU;&FC>K=S<_6C
M%XL(D38[RP.2V*9!"6F@4AX>\PPAO2$<&<K55J^A$E47SX27F&1D(@TYTX]T
M2P$0QGK4'8+BEI.\YKW.A"1K\4@5EDN6_5SI!^)!A1I<D:5"./HC;<*^UL/*
M=ZK\S\K`-@KZ+!5.@&K)SD?RBN4^]BN[I*4PO1N;=1Z.;M[%M9.V>O%;K<>H
M<9(!*_*E%JTMV8>UN<^_%3'1*;=HK&A=''*SYBT3FO60MM54K%TDH0%]`YZ<
M(7DS>*RU8+OIJ7T>CO[,#ZD8#`:O:(<Z6(AM(V/A#"T6'&?6F(M"!'M;\#+7
M>N]OLM7XK,Z=5R]QC#"%N<[-S[B]LU39).?*9DL\^,1GIERK&S];K_Q[W-&;
M,(]\N4Q+^-[Z/X]!IV&K=ZY!YC3CWFZ$Y!`L<('T<_6+#4KO?NMD*-=R>H_-
M"4>5SOD1JMS;^.K].%6N$(:8GO0*W,U!F$(BWG7T,S6!:QTJ5QT+A?G>;L/1
MYX='086C?2CMA"I$=/2L>.<>&=ZCTY(F0OM=5<+`A;ELJZTF%P:_L,@?"856
MS&QSCBQ4XF_/0*1U.RWRQ/P7[9$?@6#Q,L52D@+02``5U:I]8V1[!7Y\R*^*
MB%W'`VY\@I!D:]A>"Y!9VT[\>FDC'2GVE=7/QUZJ6B].LM*L]XY[9B'<Z[8N
M?5R%?39T*[7JQ%=`1#Y^//MJH`L>;L]B(V2=$C_*WL1%A1'!TB0PEC`JNTEW
MCL.[U'L=':ZG6)M9DU[G=]KELD?=I)<;9M-66AO<]+SY:K):H4VV.STVQQ3[
M4OY'(#B)+T>#]:Q!C`Z=AN]@Q&`,`8`P!@#`&`,`8`P!@#`*EMM4ZT5-OS:E
MUP940BV(R&`<KFHZRO,/MM^V2_LM(L0YUW4ES^%I&VM:;_<UO?[N"Z$;_(??
M_P#F!"?W+B/]\,"J[A^0^_\`_,"$_N7$?[X8%5W#\A]__P"8$)_<N(_WPP*K
MN'Y#[_\`\P(3^Y<1_OA@57</R'W_`/Y@0G]RXC_?#`JNXX7^=]XE-[9D]ZKT
MAE2D*4T_Q,(\WM3:TN-JVVY;E)VI#B=*UOT_#>M;U^.!5=QS?D/O_P#S`A/[
MEQ'^^&!5=P_(??\`_F!"?W+B/]\,"J[A^0^__P#,"$_N7$?[X8%5W#\A]_\`
M^8$)_<N(_P!\,"J[A^0^_P#_`#`A/[EQ'^^&!5=P_(??_P#F!"?W+B/]\,"J
M[A^0^_\`_,"$_N7$?[X8%5W#\A]__P"8$)_<N(_WPP*KN'Y#[_\`\P(3^Y<1
M_OA@57</R'W_`/Y@0G]RXC_?#`JNX?D/O_\`S`A/[EQ'^^&!5=P_(??_`/F!
M"?W+B/\`?#`JNX?D/O\`_P`P(3^Y<1_OA@57</R'W_\`Y@0G]RXC_?#`JNX?
MD/O_`/S`A/[EQ'^^&!5=P_(??_\`F!"?W+B/]\,"J[A^0^__`/,"$_N7$?[X
M8%5W#\A]_P#^8$)_<N(_WPP*KN'Y#[__`,P(3^Y<1_OA@57</R'W_P#Y@0G]
MRXC_`'PP*KN.S!H_=69L)Z=W<-.A,RXSLV"CCXF(N;$;?;7)AHEIMCJHJI3"
M5(T[I"MM[5[M:WZ>F!5=Q>N"#`&`,`X9']'?_F7?XBL`ISQM_P`NO`_[%N6?
MU&!8*^K+IP08`P#\=W_5_EY;/#O"<"A:M0278>HEY#>E;TE<H)11$*&M2?W%
M;;:L#^M;_>]V_P#MSW#Z(P3Y'/N?I*S;7VRDW_U4>1?5R;7&XUO]%SF_LV4_
MA9^$K/HL\!&`,`8!NYX<>:5A\7Y]CI%LK2.Q>,'5),!/:^!ER2Q\,VY"0J.-
MZ'SDWMN0OG7:Z>PXI0@]&1OWIUN).;DPG%M:V-_'S+.;9YOA;SQ/<.-7TKR5
M4XO65J['17;%RGGMR\)1<9I26\?[-Y+C;WM[W%865[>R?OVWHXR55&[:E1NW
M=A5[9Q5:5C)2A*4)>]JN8\3LGAS8:IX?^9WB69:\J^B!C%^/]^\@^9^.O3*#
MX_\`-$0CU*XQ>^?W0LT>@WHWU6:],LGV]N2(D-UN"Y&?>CR&]Z\Z^LOO7W7]
M0,OC\&]Q698QN/LMW(6X3NVKF7.L9W+<XIJ5I6U%6M])Q]2Y&233KV?Z'_3G
MVM],;/)9D.3Q,C*S[ZC:G.<;=RWB0I*,+D)/RW97&_5V.5N2MVY1DTS6P%^E
M^DE[-FOU&/TJ:NE7I[]2?,^LF7&_W/7U0$`RFU^G^A>>*/B>>73C>0?_`,"Y
M_$>]+E^#[<_"_P!=#^,M<1^DUQ5ST58_U?OTTAB=:]5H`=?$65WU_?2UJ=9:
MLES_`$;WM&O_`"9IW.,]Q0BY1XOD9-=BLSJ_M27YR_M?@5UY##_UL/\`.)G&
M_2P\)X?I]Z_5N\<S&]?]Y%-.^-S"5;U^[IJ1;_+(3OTW^]M36O3_`+,X;(C[
MRM?V/MOF;K\+=J/_`%KJ-.7.<"NF9C/X7;/^6XB01OTX/TWA_IN?YZPK6I._
MQ2-\E?T^:0TY_P!NDKG=JN[S2=_]OM5O7_9G"9&7]3H__3>S>7G_`$KF/#_Y
MDC2E[@X5?=R+#_\`[&.O_F,SB/!K],""RZASJX.VZVTM"OO?ZJ'@Y5&G4J1M
M*M.-URF$'6M*UO\`=2[ZZ_[=YPF1R'UR2_V3V-E-]F_*M+_JPD:3]Q\;TA<Q
M6_'+L?Y*G[<N"QQ$3AG&(M?<CO`8W*.=QP;T6TP+S%>#L5`.T,=C786TP,N#
M#D)*-H*1D(8()WI]M.D.:UG(V)9L[,)<E9_#\BXIW;5=WI7*>>WNHMVR58UH
MJTJ=UQ[BNX]NZJ4E"+T:DM4GI):-=S6CZEL9JFL0J\6OG51&Q9W2K+2JP(DS
MDQ(,R\&004:^24P^\F-%D'Y,:*[.W&:<5I"-[<^-*M^GIK>:]C'R<B3CC0G<
MFE5J*<G3OT3T-&]?L6(J61.$(MTK)I*OS,/1K_QJWSIL/FEVYE:"<2(B22BT
M:R54W.C05/::;D36`$V3(9B*D;TG2W-:1M?X>OKF5_#S,:*EDVKMN+=$Y1E%
M-^%4C&SE8M]M8]RW-KKMDG_`RS<VQN!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`TZZMY2$^5]9ET-RBIM89H%1SSTT<<'A"@@:>L!*O')SR##_TA
MIYJ=(&)A1&OI?=[Y"GI"$I1@RII4KL;^H#62L:KP8="D+NUEM`>GN4YVY!(4
MBOGB)48%*PS\DE$A3(FJ>4(*BEG$0W6FI<5YN.J2GXG'0V_81]G]1VN/"R5A
M8Y@3G5@)N:V5/0+>*1'VL@&/V"@2A44Z,`SI(>VA@J9$J;+;@LBF7].J^=A.
MW=B[&6=7?,2=8A_>WX?&+7.G<)#1WI:095LH"M]H:B?(=K=:L<@.+CD&QCZT
M.,2(K,MV=`5IY$9+ZFXC@FTI^Q?J.UIDK,=J(!BWUX)JM.LS:S-)FX%]3?-F
M*M76PI'\N0B(ID/T4.]&(OM#B:=0VE+;2J1IR*V+L9?U"\B+5UM$QVLT4K32
M%/MHX=>J/9XK)._0*K;.;%C%1L<H.S.$CQC<JZNPT?''F$5*@QI.GMQ9"'VH
MHC21L1SF7<9M&K$GH(]D7=7!3&K)#C.1EL:)M[4T](93#=?CQVYND:?TPEQW
MZ?3GQ;6O:-JV(Z5TZ$UP08`P!@#`&`,`8!\;]?3?IZ>OIOT]=^FO7T_#UWK6
M]ZUZ_P"C`/(X7YR=C$<T@WJ\(YPW)!&_(6@]):&`]/!0/:*3-G2.<T:)*B]0
MEGBG.E!]L.R;0%&V!R3&6VY*ABM_4_!#/:JEB>.?F#U#JEZI55N$"CB5S3YV
MC6>L-!WQ5\;+0AG:;`U;ELP.AWBLBQ@./RF*')0Q\RP0%%B;JF#"D,MLN4.*
MI5'I=@P&`>=W5/)#M52[KW/EP%%$]E6Y%R3J'+!4H<-FS2M4D7QNN=QM!\X<
MZ=0*_"L%8BD&6A8$C*#,3DN1I+1![W2F&1DDJ)LHBZ^?7>`J+V7KO/PI2KUV
MG#^KP24BC%]RH]%,P+W-YL'>C:Z7#=-E^RMUL4I<UMN'JG.D94:3#(*A..I%
MVH]@V'%.LLNK;4RMQIMQ;*]^JFE+1I2FU;UZ:VI&]^F_].L&!RX!5O:+D6H?
M-C]C`Z@)-ZDUT$(DE4+=%#"5NLX6HPC15EMUA;XL%).)F26].-[<884GWH]?
M=H5:L\W7O._MTF@2.B!Z/6U01%I,-W8.3$06YM*K%G&MIY&REX1UDU//%/<S
M.G'$I'LEV5CU17@PYA]N>@9;4;S<([;^V`K<]PG&IM9BA.;VRID?MKHDBV,N
M04G")@K!`7*FMM'!5JJ!!Y6VW%-_238Z4[<2G3SHQ:H;'8(,`8`P!@'#(_H[
M_P#,N_Q%8!3GC;_EUX'_`&+<L_J,"P5]673@@P!@'Y*O^KJH,PMXC>+O26&5
M.1:-Y%D:R0>2GUU':Z!SBQ2(ZU[_`/90Y,I;:/7_`/25K6>T?13)C#F\O%;U
MN8RDO^9-+_VSRCZM67+AK%]*NV\X_#='=_\`+/P'9])GSV,`8`P!@'UVA"M^
MJD)WO_MVG6]_^G>L&2E):)M(^/B;_P!6C_\`83_ZL%WS[W]H^)O_`%:/_P!A
M/_JP-\^]_:/B;_U:/_V$_P#JP-\^]_:/B;_U:/\`]A/_`*L#?/O?VGT<C;?;
M6PPQIQ]].V6&T-Z4MQYW7QM-H3K6]J4MQ6M:U^_O>2348N3Z)&I9G+UHMN5-
MRKUZ5U/[,GC=2'^9^._!.<2F]LRN?\7Y;2)+.T^W;3]4HX($\WM/_L[0Y`WK
MT_>],^$.0R%E9]_*72[>G/\`K2;_`,I]C\;8>+QV/C/K;L0C_5BE_D+HS:&]
M/RL_]6F!*6#P=\>(HD$3/OL^5H>0Y&%"9AAYEK7).JM[?<8A1I+C36EN:3[]
MZTGU5K7KZ[SV'Z+W+=OW!E.[*,8_@WU:7^DM]YY?]58WY<+C_A]V_P#%=CII
MZ<SS'_Z2&IG:]Y<>5D@O53@!I_QRKS+,@K7B0=I]S73!:U,M/3849#KFDZ]V
MTIWO?IKU]/PSM?UIO6;G#X:M2C+_`&E]&G^A+N.O_2J&5'/OO(W?V,J5=?TK
M?QI_EIX'ZU*57/(&?2;C7;W#[16Y$?QXI_($V$%:JH7M$_J5?9ZA-MW3Z-MR
MYJ;?08C2@[,0E-<@$9LEYEMQMCX'76/G/P/<M*_,NFF2>YP?':-`#T016^QA
M0<:*%"VF?,*5:8K1QYF(]+=D=`LE@C2)%7:1*E0I)V:L=,?^E3.G)9V^X&E=
M>A"[T%[=9*SQ6?TZJGK+#@2K:OM%`X7:WJ=,FEI32F.?%XSSMX`D#E4!I;<W
M.'-FMK7-EQY6VG6XBD(#36A3K/,N_O77RZAA8O5HP4_UO@U\YI=370)-?.$=
M!CE8E7CGU<8@7DD(=Y-7:\,5[%:BA7B34R0.FM3U-[=4+IH9KK?,.I_7=7*5
M2J==]W2NJ4>MU>13.L&T.\VJU=%&3MG[^R"F=6"05FBMDLA`<.!1]?0KW!#O
M3H.XK4A*1$T8F@T7R<!UWRY<M2+VY#LUAFSJ/#>L;Q`W*`JZQU$G;F:#';O]
MX?C%"O(2HB,,F1VZTA4A$6,T)CNPERI(K:T(.,I/E2U%G5ZW5/J)F8>[C7#R
M.MU&ZN!"%.$P;7=#)N>+JN^X+@V*A)HT<`%`Q7AX]#3Q.6X1$K;'H8>#R_F+
M!_('DASOKUA>=<N?5^%V,[T79Y9(^1T<KP.TA@Q8V3K8N)>'RCCD6`E0T(F+
M$?\`0C`EM1A@Y!-J:@31KN9O9REFW1^7\XC]`<6]>V*)4F;FZXMMQURU-@("
M+`MYQK:FG'E%=.[6I&_8I7KM/X>F#%]="?8`P!@#`&`,`8`P!@#`&`,`8`P"
MDKN:M4.PRHXKQ]E]"A;@Q&OS.U8>:#VYB%>DAP?N+9C4(OIN%(UK\%MZ;VO^
M$CU_=P4K^!)L(J0.F"_#%L;+$06A@F5`/\+AR!8UF>HJR/'/QS[;L*"T47N2
MEIK:6TR-[<UKW_C@?,YQY.UB8KD$5X<K&0GG)#KT,?9>'PHKKLO4M,IQR/&L
M+;*W)*9[^G-[UO:]/.>OK[U>H?,ZK#QZ+`)BXWA<S&&&Q8\&9','N%,P"P03
M&W"%!R<-L\F//%C(:MM1X[J5LLM;]J$Z3^&-!\S[JE6)2##:O#)"F[$S]-8$
M*L'#-H.Q]0OMNF#"=G_:39^W?[/[7_>GX?X'I[?PP/F98+:;_6TS45[Q+)@4
MD9*9I!(6X\7%IGS$1F(:)<W4&RL:E24Q(S;6G%^Y>FVTI]?:G6M!IWF;_:;V
M+_EJMO\`>-R;_>W`HN\?M-[%_P`M5M_O&Y-_O;@47>/VF]B_Y:K;_>-R;_>W
M`HN\?M-[%_RU6W^\;DW^]N!1=X_:;V+_`):K;_>-R;_>W`HN\?M-[%_RU6W^
M\;DW^]N!1=X_:;V+_EJMO]XW)O\`>W`HN\?M-[%_RU6W^\;DW^]N!1=X_:;V
M+_EJMO\`>-R;_>W`HN\?M-[%_P`M5M_O&Y-_O;@47>0@:HV&0+;$>%<84V#5
M85A4#3G"8*!"[<^_*M:A:8QYK0]5GDRG'"&VO9]:MQ2GO?M6][#YG?$%K=7W
M1CP#P\="/!1+X$,Z(L_$!KHD%*EHGR0HQR%8F50!,B<VEYR,UM#*WDZ7M.U:
MUO`^9*/VF]B_Y:K;_>-R;_>W`HN\?M-[%_RU6W^\;DW^]N!1=Y#"3Y\S./DS
M'A>T5(VL<&$6B>2/\+GS+&*KLN1/KXP])E'W7B\`'.E.O0V9&W&XSKBEMZ2K
M>]X'S.5V=9GWY$I[PU^:3+/#[5*D.V+AKC\FSB&4QQ5CD.KL&W'CPR.C2(\Q
M6]R&4:TE"]:UZ8'S)=^TWL7_`"U6W^\;DW^]N!1=X_:;V+_EJMO]XW)O][<"
MB[S$'[?TBTA"U;L7BQ8S`(Z/E"BXN=T'DKT2>/G,KCRHK[>[;KU;=:7O7X;U
MO7[NMZWK6\#IVG2CG+G%1(;C>(,J.B89FV.6AFU\3;3+L).*]!)'I6DV/7U!
MHA"DN,ORE^Y]YIQ25KVE6];#3O%=/7BI:(IJ_B47KZ"KP]^>T(O''X##ZQ(0
M76Q:=,1[4VRRP-`A8L1AI"4MM,L)2E.OQ]0^9+8/1^M2)L./+\=K4/BR)<9B
M40=Z!RV0U`C//(;?FN,1;2[)?;B-*VXI#:5.+TGT3K:MZU@:%YX(,`8`P#AD
M?T=_^9=_B*P"G/&W_+KP/^Q;EG]1@6"OJRZ<$&`,`\G/UO\`QEF^5GZ9'D[0
M`(U12Z5&J1NRT2(TCY)3]DY%/8NSL""WI*E.SCM<&$!K2$_PEKF:3K]WTSN7
MT_Y:/#>[,3)N.EB<_2GW4N+:F_!2<9/X'5O>G&OE/;>38@F[L(>I&FK\FLDO
M%PW17Q/Y3:%)6E*T[]4K3I2=_P#:E6M;UO\`\^MY]DGR?*+C)QE]Y.A\X,1@
M#`&`,`8`P!@#`/07]*OQGF>7'ZA/BOQ1`]9`!/ZD#NM^3I'N98YQS)[5^NBI
M2]ZVAIH@)`*@(VK\%2)C:/QVK6M]4][\M'A?:V9F5I==IPAW[[GDC3X5W?!,
M[/[/XR7*^X,?&I6WZB<M--J\TD^ZL%*GC0_K@Y\7GUH,`AUTZ)S_`)N/BE^B
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M*KTJ6/G$'-#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!K+TORQY;R
M:W*I5O9M;)A,B4WM4$*Q*A?11N:VSI:#'U&R+2M"9T>GR`T=S:-*=L#T>)I/
MH]IW0JBVJG/+\M.%M5R18(5TAE7&G+0/CAH*5[GS;+4JUJUDZFU*<2@*T<?$
M*2Y#TY*2P0TK2HKCR/X6!M9R<Y\K>+]2N1:D5:QR-%APV05BJ-B"U<9-1!IF
MS`#NQB3L(=(4X#)U*;IY#J&UN,-[D,Z<CZ4[H'%H[DSRBXJQ"K,Z)<8I%FX#
M@%AKSB6)8V,4IYVX":<NY0B!N.,'2JZ)DF&IDEUMU2DC?24E*F5MK6%&<XGR
M7X_:1A`E0[3&OGVANM23,2NI7\X6!9[;JH1I1I91(V*(?B3&I#[L.2XU/W%B
MK<;87K;?O"C[2P:'?AM^8LSPZ-(B;J]Q.4Z:U)<C/;=D!]QGHQ&._#=D1'H!
MH5.C38VT.+W]/(1ISV.Z6V@&J$[P08`P!@#`&`,`8`P#XWOTUO?X[]-;W^&M
M[W^'X_AK7KO>_P#1@&E@_P`Y.<R>1T_N1"E=&$\VNA+H@Z$;=CTLA*$N<_3;
MI&D'P(FZ3;%"GV"#22"T0VXC\H4XPMLJB!MM>TC+:ZT).OS`YPU3@-O<`W5:
M25DOE<L`*%'JI4M0OV5E'Q'33MJEBK;,K<BOTF4TC<IX00*O/H?;W%:D;VK2
M1-K)$WY*5=Q8E>J?T!H<0[8<X+-*2AU=AM`KH*L*:P-F$!DFSM6";7;61<0Z
M/DCX<UQ,+>Y4MJ*PE:TA3^`V+P0UF,^3@$9?NZ<^@T2[V$IP"B42^V]\=)H@
MMDD/O:#LR*Q7F[?=*P]+9$AJ_(E29[VHXO:F7HS4ER8PY'P6FE3)\\\E*5TV
M58X]:`WG:`M:D6T+(G`8T?\`/@8=.G`SFZ?`;*/F')]?M(UT3*BD8PZ1];I/
MQ)=96A[84H5DKSIY1O2/C`7)I3W-1_2V?O,SFM39U%E4.J=/(5V=,M_10,$*
M8KU!N4,C-ES7(X%.M.QVR+LII3&"[6;8U"SCKM4ZO<@[<YH1;:Z%LXMHI#='
M$FQQX;&*P6R(^1K3\"<B-+3IYE?\-IS6T[_'6#$YK,;16JZ<L+D-X@V#$SRS
ML*/-"C7I+0^,Y*=:01L90&`@>K;6_5Z;,BQ6M>JG74(UM6@-(I'ZC'"HXELW
ML/?W!TJLCK",=U&H[.RTF9`H1B4`@_5WR.VJ0+`=,#SU%'%(K<V-(WN"3EK3
M[-C+:S;?E_3*QURHQ;O4'G7P,^:2BPG9'P-R7F(,UZ/&G.Q&GWGH+)B$EJ=&
M:D::D_1R65N-MJ7[=#%JA86`,`8`P!@'#(_H[_\`,N_Q%8!3GC;_`)=>!_V+
M<L_J,"P5]673@@P!@'T<;;=;6TZA#C3B%-N-N)TMMQM>MI6A:%:VE2%)WZ;U
MO\-ZPFTZKJ.NCZ'\JS]:O]/TG^GSYPW^F!@ST/AW6I9/K/`23;2_MJ*>>)./
M&J*R_P#PF]3^9V&2X-4SM7R_;MP9"M:U)3GV+[`]RP]R^W[=ZY*O(64K=Y=N
MY+2?PFO-7I7<E]T^6/?'MZ7`<S.%N-,*Z]UONVO]'I3R_=[7HI/[R/(_.['2
MQ@#`&`,`8`P!@#`/WK?]*U^GU/YAR>\^?/2@BX-J[L.50.&Q2$?;<L?QL25:
MF62XM-NH^1E'1[:,81%5_!4H<&;>1M3,S6]_-GU@]S1S^0M^WL25<?%>ZY3H
M[K5%'_X<6Z_SI-/6)]`_2[V]+"PY\UDQI?O+;"O50KYG_P`Z227]%M.DC]>&
M>+GK0P#P%_ZANG6JZ>*_&A]2J=CM\Z+Y`CIDB!6:^5L4R-$3SJ_L*EOQ1,.:
M^S&T\\A&W%)TCW+UKU]=ZUGU-^Z=R&#QWO?D;N??LV+4N*DE*Y.,$WZ]AT3D
MTFZ)NG6B9\D_OA<;R?)^P^-L\78O7[\>7C)JW&4VH_A\A5:BFTJM+XT-%/\`
MIW^=WZC>0GD&0MO.[O5(LGB@IB'(L5/.UYF=);NX]]4*'),CX$>1*VVCW?&E
M?KZ:]=^FM>N>E_O:<OQ7(^U.*M\?E8^1./(R;5N[";2]&2JU&3:797H>7_N=
M\-S7&>Z^5N<KBY-B$N.I%W;<XIOUK3HG))5[:>'@>R<BI>9;+<XG;!%M.RK!
MTFL=HK-,K/39AFN0R9-%F"G.%WDI'.\Q+T2@U<,W7IT)T9(/"8Y^/,F2&B;"
MU0W_`(./T)\O86?R0!Y<"^KT2UWB*3D<\C5[]DMH`$^DI*$'&FP3MJ_;)*J+
M41T%(+N]!;^RZEH++(?9'4;W"UI*E:$=*>)8,I?F!9*+WT07%T:KV!P`5B<2
M)4R5L:8F2G5&FV]S21.SV:`,-.CD1-1)3D>.Q&F._*XA2$;0D/+5%`WRC=-E
M=#\6"W(JEY(U^KQ9O9Z_?JS<;L2FL4D?9:41BHZJ:/3>L'Y!B^!#"6VP$`BH
MX+GZE/?'J"]I$O8M51UH8N/R/R1-<LK8Z)&Z97K92*WW66"MSW4+G7[7<]1*
M%*"\I#W&J/=GO`IFV7/H5L<+..2"4R-$B5YOU4/W,1$8"JJ3>I!^]U3AO/6K
MW7^IW!\5UCHY4U5!%BG0^C6&D2:OT:9RP!J=+Z9<"55B_G&2%B-((7$@N`I$
M9^7/882\U&#2NG<02G<J\GB4[GHR:5[A4VCE:E,NV61T1V0*Y`+/.]U<OM/*
MBREZ,E[H7KDJSU&+5"TYHD0DQ0\23]3`4Q+:T#:\#(TZO>6U4C%:=9!UG/15
M2>:DN<]"D&R<LH.?$]4K48)5CXY5XMK[0K5.FG)EC^K5-?;'M:9E%2*W(Z6`
MK$]1\&`P!@#`&`,`8`P!@#`&`,`8`P!@&CW?:=XB6?HTTCV:]#@EYU5:#79@
MQ^ZN`EMU^G=-%=AK?N&H7I+:Y]D#H;E.ZUI4P6X[$7O;+JM;&2;2TZ%!M\:_
M3T8>$JB]>$PH04O9BT$7`M]5'PM*LK6V/IGW(5>8)2=AHZMLQIBY"BCT?2&)
MDJ4PTRVV%9%U50QX<4^P(LPWMP:248/GK#"43O4&7'@R+`BYMOPH\=,9EM8^
M"S>YZ(R7?E=2G;?O<7M&M["K*8&\?_3]A3=RYO;&CK3H@H&EC"O0@J!3\0T?
M382K,2&'#B=5T9*D-I:2*$J'A8S6MJ8AM/K<>6%66ARC7A;QTQ`,U?M58>='
M4&3SIJ%+,448*E`YEA3994LP.J-7K$<^:=(-ITB3.U)W'0I_;*6W)DUR2#;9
ML1$\E_&N`PB+!ZWS>'&:UZ-QXAH='8;U_P!B&6?8VC7_`)-8)1G8_P`4?CM_
M]Y>?_P#B&'_[^!1C_%'X[?\`WEY__P"(8?\`[^!1C_%'X[?_`'EY_P#^(8?_
M`+^!1C_%'X[?_>7G_P#XAA_^_@48_P`4?CM_]Y>?_P#B&'_[^!1C_%'X[?\`
MWEY__P"(8?\`[^!1C_%'X[?_`'EY_P#^(8?_`+^!1C_%'X[?_>7G_P#XAA_^
M_@48_P`4?CM_]Y>?_P#B&'_[^!1C_%%X[?\`WEH'_B&'_P"_@49J)4ZQX<4\
MU"L0WR<G2C#%G['<R;Y:ZT8E$L5J[;N.S:K`8#2J<L(V8@"H;,"!(A1H;C</
M3S;VW_K9VY0M6=0=2_"R`"%U'7D+`14`<N3*&@Q5GJM=3(;LTXV5ZF-..@0H
M]@@%ZT2,(46A1V84:,S!BLCD0FVO105D60X8\1DW>JWJ!Y"114ZJ7N^]'9#1
M+N!DULM:>BQX<$].+BBX<G_+1A;#\."_$<BRX40A,::>TF2[K85?<7]_BC\=
MO_O+S_\`\0P__?P2C-5.H!_#GK5ZN'0;)Y)/0C=OYO7.4+9!7FK01P6DA;O"
MOQ<*.AR:Y/;(C[R9%16C48K]RBRH+;D9#334F4EX5-HE%6.>+=*OZ[_7?)6$
MW)GD"4HZ&*6P`4$SX)IJS$CH8:TH>PNOC['T*SN6@C]-O3CY9EI"%,PT_2X#
M;:I0C9`/X72Y@4G$[Z-#%JMR8=QFH%QMBH3Q2L4Z(D9'G:ASC%0*R"\\X.%(
MB2=EMD8S3#K^XC,9R0\XL*LV&J'>O%ZC5.L4JN]?HT:OT^NA:L"CR;6W.D,!
MZ^-C"1C+\Z8^]+F/-0HB$J==6MQQ6MJ5O:M[W@FISV3R*\>K"!+`V^^U2OK*
MP7X230.P@/NPW;Z-H^K@:,CS(E4AOU_!,F)(95^XMM2=[U@:FN5;!^#]5FPR
M0OM87[D)Y,5X]7R3]JJRRM>KY]YN6?+#BS0%DI)L!0BRB2E4UZ7!'N)VF!&B
M-./-N"U9/N,V;PRX+%ML#G76*</'W"RN66;!EVV#*C#WE1&(;`T4A+;"FAL-
MIC?Q_-M^3OW^U;RT(:2V(ZOJ7G"\EN`DIL,=`Z[1)<XA+C08,1@]$6_*F3'D
M1HL9E&E^JWGWW$H3K7X[5O6L"C+PP08`P!@'#(_H[_\`,N_Q%8!3GC;_`)=>
M!_V+<L_J,"P5]673@@P!@#`/-;]4_P#3?YU^IEXQ&>-V61"K'2JV_(MW#>G/
M0]R7Z%T%F&N.UJ=IA.YDJFVF-Z0341OUV[&4EYM.Y,:,I':O9_NG*]I\M'.M
M5GBR\MVW_+A7L[-T>L7WZ/1LZ[[G]O8_N3C)8=VD;ZUMR_DR[G_-ETDOA)*L
M4?RQO(#Q_P"O>+?7[MPCNM,)4/IW/RBQA\"03[VG6U>K@\X#((U](=K!Z'[9
M(\A'VN/+C+2M&_W=:^PN+Y3!YG!M\CQ]Q7,6Y&J:_.FNJDGHT]4]&?*_*<7F
M<1F3PLV#A>@Z:]OBOX=*IIIIM--TWF_..&`,`8`P!@#`/;[]%;](2[?J5=HB
MVR]#"]<\/N7'8KW6+MI#\!?0"D+;,U'':).]&U23!EM2-&9K"MI"C7-JVK4M
MZ(VOSGZ@>^;'M?!>)B2C+G+T?)'KZ:>GJ37A^@G]Z7@F>@>R/9U[W!EK)R5*
M/%VVG)]-SZJ,7WOP^ZO,_P!%2_IW5NN`*=7@-2JH<=7JQ5PPRNUP`'B,P!(0
M$%A,#1(@9!CI1'ACQL",VRRTA.D-MHTG6M:UGR;<N3NW)7;K<KLI-MMU;;=6
MV^UMZMGTQ;MV[-N-FU%1M0BDDM$DE1)+L26B,UF!F,`A=XZ/S_F0R,:Z+=JK
M11$V<@9#*6X\,KT"41<8?DMP8\LK)BL.RUQXKCFFTJVO:&U;]/36\XWE.9XG
MA+$<GF,FQBX\I;5*[.-N+DTWM3DTFZ)NG6B9HWLBQCQ4[\XPBW2LFDJ]VIA*
M-VOCW3B$T3SCJ7/[X4&PTD2`^H6X%89L*`M],9,V7&%3I3T>*J0M*-+5K2=K
MWK7KZYMN+]S>W>;O2Q^&SL3*OPCNE&U=A<E&-:5:C)M*NE7I4QLY>+D2<;%R
M$Y)5:C)/^`L_.;-P,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@$<G7
M&HC+$&IY*TUP?;;&Q-E5ZKS38R)8CT4:VIXC)#!'Y39(I'@-(VIY;#2TM)UO
M:MZU@$CP!@'3=(CV)T,8_.B,D2#,N1`@.R66YDU@?]-J>]$C*7IZ0U"W,:^5
M2$[TW\J/=Z>[7J!\D"$$3`FE"DR*.&C8DD@1(37VHL*#!ALKD2YDN2\I#,>+
M&CMJ6XXO>DH0G>][UK6`<D65&FQH\R&^S*B2V&I463'<0\Q)C/MI=8?8=;VI
M#K+S2]*2I.]Z4G>MZP#GP!@#`&`,`8`P!@#`&`02N]1YK;FQCM5Z#2K&V:*V
M0$&4#M`0IHN:ILB1%MHH7]%->V0(5I^(ZF>TS[UQ?9O;FDZUZX%&<C'3.;R9
M4^#&Z!2)$T59X=)*0V+6!=E#;F1=6P/J,^.W/4[#L\Y]M2&8#FDRW5IWI+>]
MZP*,S%>M=7MT:;-JED`6>&-+$`)&77C`XU&@'!+NF"@::^-D26HI8:_OV2([
MFTO,K_!:=;P#/X!!"/4N:"#5CKA;H-*%'J?71UOM@<E:`L`C6:J7E3(0NR'X
MDJ:T\(!SY8]YMJ4_IME:V]ZTKUP6C.^<OM&K!%D19;I4Z\6DAS%BCBSEB#B2
M+]?KS.I!\ZS"GS(\ET.#85I<R4E.V(R-^KBDZ_'!#IU_IW-K:1C!ZKT*CV8M
M-K\6VPQ=?M@$R1EU6<[\$*S1H0Z?)DOU^8__``&IJ4[C.+_!*][P*,G&`8\L
M7%`!A`V=)CPH83$?(%"Y:;&'#!L"*VIZ5-(3YCC,6'$C-(VIQQQ:4(3K>][U
MK`(*]V?CT=M]Y_J_-6&HM;%7*4Z]>JNVW&J!V3'AA+4^M91*6:V8ERVFHLY6
M]19#CB$MK4I6M;%HR=CB@PNP[)%$(1*,S-GCG9$"4S+8;("ICXXG"6ZPMQM,
ML<0C.,/M[W[VGFU(5K2D[UH0[^`,`8`P!@'#(_H[_P#,N_Q%8!3GC;_EUX'_
M`&+<L_J,"P5]673@@P!@#`&`>7?ZF_Z3WCA^IUSB,%Z7$<H_8:E!E,\L[S6!
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M@'/%C29TN)`@QI,Z?/DLPX$"$P]+G3IDA>FH\2%#CH<D2Y4AQ6DH;;2I:U;U
MK6M[S&<X6XN<VHP2JVW1)+M;-2W;N79*%M-R;[/'1?G/U`?I<_\`36]\\ER-
M=Z]YKP;'XZ<`TY#*Q><R4*%=UZC!VK3R(:Q4AM3O*:W-;3Z/2R*-&EMJ](\-
MK2T2T>/^\/JOQ_&1G@^WG')Y#5.YUM6WWI_Z22[*>3O;HXGJOM7Z:9F=*.;S
M:E9P]&H4I.2ZTH_NKOW*O<FFI+]_'(N0<QX)S>H\AXW2*_SGFE$$LA*I3ZS"
M3!$B![.U+WI"/5;\J9+?6MZ3*?6[*ER7%O/N..K6M7S?F9F5R&3/,S;DKN5<
ME64I.K;_`"T26B6B21[UBXN/A6(XN+!0L05%%=%_&WU;>K>K=2Q\VQN!@#`/
M)?\`6%I=PO'CYSX92ZE9KB1C=A%3I(^K`"MBG1X2*A<&%S'X@B),D,Q4//H1
MMQ2=(TI:=>OKO7KX%^\/QO(<G[1Q+'&X]_)O1Y&$G&U;E<DEZ5Y5:@FTJM*O
M2K1UGW3:NWL&W&U"4Y>JM$FW]V7<:C_HY<QZ11NV]:(77G=YIL&;RN%#ASK5
M4+!78DN6FVCGE18LDN.ALR)*64[7MM"MJTG6]^GIGG_[NO"<SQ?N?D+O)8>5
MC6I8"2E=LW+:;]6+HG.*3=-:+6AQGM7'R+.7==ZW."=O]*+7Z2[T;A4D#Y:5
MWG@05.'=@)VVT\_O-(*S?S"1V[6NM%[!SZ4$NM@G7#KMU>T"B!HY7>C0AR/`
M1IIYJ,+BJ>99D?7IWSRU\#%`.<^5-<9FL]8:[[?:B2*6JP,B>0]3*B+5"/GP
M[$?G^I!8UU7[\PBO&()?9:-#)Q:LB5/"3&AC+#,],<&X]E*G?C\=\P84ZD7&
M]7J\&-S.MB&N@TNIGKZ4'O5P90+<ERX2H83M5!89'/WA0^-%'@$B!R6%(E$Q
MQ%36DMA6/1%J^2@+R^/WVX%N30#<7GD3EULY.,@5WJ,:L60J:Z%0S\M[J@"N
M.ADC6SU&Z`JK1Q15\W"GC8L(YMF*ZF6TIP2.WMZE.3J1YIJN=I@G$=A,D0T4
MS5./7BJ=-&@J,0M(:O\`!HM1Z_?:TQ;QXY-6.[%G91T+/%D=;G;*L1(B]28C
MCXOE-@>FU/L!KN4UN)![$^.*VWD*:19JCT)VM\FK?(HSHYKNP.Z@A]I$/.V\
MS`V9U%E+'32"GI@A8Z3'7!>=BB)JA6P#EOE[6:<-%5RRV-AC0K@\BR0KC<+1
M>[R2-PO(*Y$>EZK=[/=1D,UQ.N6+&:)(DQ2,>=`TB,PE+B7$X%8F#XWS7RP@
MV7QLL=A)]%9K=0JM)%]@#%[7=4FS-J+/=.C7*>X,M?;[^"/#8!.8`=+OSFR+
MLF$VEX'L:IA<5P5N.J1M8DEY9F)W=0TJOT"LB6ZI=H_!K1`]FR<FTJ^MC4B9
M9M2+;9F/ITH4R_(]PJ,CWZWZHUK^2V)Y=#6RUU[J+$_Q`+<TI7DUO\L]YD)Z
MQ0^A7VQ3XY465H_VNRWR_7=GIL]MR#3'4+F!XJ%SJP8(?41DC].2HLAN%[ZT
MZ$`%T3S`WUGGYH.OL$/F[?83!6,(-6BQQF8U`>M7CZ_.B6D=8N]6R>):;KH6
MXHTHRJW-$OED_;!P11"%N)16-/$VRC5?K1CJ`TJZ9OXMD+Y"]*19VH)Q0^H2
M>4G>!FQW/)[(>3O4"Q#PUA2$VVVVEY,:Q*FO.M;7I;B!-*?(UL&UOR_YY&Z!
M3"*K]TBN2:%<('.^D2CIA%I$7$&9/NTF>H8_<[41<FVGH.QKFDSG9VEU^6PI
M;\&)`EP5"^7J>K+/R_$U\_Q_/\:/F^+W?%\OMU\GQ^_^'\?O]?3U_'T_=P8'
M)@#`&`,`8`P!@#`&`:A=6XATNQ7#IYJC%:@T.ZSSNFU,O-.E;*"M%<DT`C:"
M,<*'(UT7/?E4^_1;*Y!(:;DCI8CYI,N/N6X]IAL9)Z%-T/PZZW6>@<NNACK$
M^7`K%R/6.Q5L1?+BW"CBWP-#'TRMC7[$&L+MD!4B+7BH-,9S[*L@**+E//ID
M+?8<%W(KPYX0>2A%TE&B]XUN.6O?4[---S+E;&3.HET@.B!BAC`BJCY`-J6`
MEJASQL<CK;#\=J8W/?3Z0V@W+N+#)^$ESE''&X71G(M$)V$F8L-5W;NE^A6/
M(ZE9;..A?4).[?CL0^?/!`6VFG6V=LBDM^W;/I[@W%><I\9N^;ZNY.M):=*#
M4RQ`(-GNENN5[=A=BAS4=6C7HK%YY/T0'.G(M7M08,(*L2QC<5F(E_3DGT?&
M-@Y*AZKC1\00.@"H#>V8(R%%'PF=K6YMJ)"8;C1F]N.J6XYMMEI.O<K>U;]/
M7>][P8'=P!@#`&`,`8`P!@#`/C>M;UO6]:WK>MZWK>O76];UZ;UO7[^MX!Y]
M<D\:.F\EHM)](5"-&^,=-[W<^1T$>7GR8%<Y]>*K>`]%X\(Z4>KL$]H6V6.1
M'GY4R)O<.'IN+Z2DP6''!DY59+U^--JGV6X37YE:%5.9V_CO8*A4G+!:[U$#
MV.E]4*]&Z7>AJ[2/C_D*S=+BE_HE"@_N%Q7(ZG].[W-D)2%?X";^+_$+-Q.O
M'QEI)5J;+F:I(,:FJ((-CGP'.*!7.?![`501BPW&[9:8H#ZPBTVEUF,I;<=#
M\C3/SN!)U-H,&)H5TCQ6N%YZQY/GH$BC!N>=_P#&L7S(D)(+(6&3:>N!_O4&
MJ=$L@2<$U`K*:$!F)A-K'2Y+A5M<=QYMET='4H9)T2[TS`^0?B[U;R",68AI
MZ@T^&:#N5M'W><4.FF(_/M]R!T68/>@"$Q($/HXCL&Y1)7O^IKZHB?A;G.N;
M^G!-(E7C]XR7_C]RJ!QX^,AC(M+M`SHZA]XNMKG=),E+44,TV/8A9\,'`32]
M!&DW$R+GIM@_9YCS[LR-'2\I.`W4WIP8D;N$4U-JM@A5QF*^=EB9L46U-/$:
MO'5,D,+::VJR"!1TH!6C:_<B7'AR7H[FM+2VK:=:P#S,K_Z>9=A@/"LQL21&
M`.2FAVQ0^XVB)"M79BH^B#!]K*R8E9%V81%"B^;BXLP@DI.=.NH5.4/@27).
MI0S<C;OQ:XWT'AE-/46YWF)=0D*R/KY\IAC34@75E18_JV0W]L'*8GD".WI#
M\?:Y_L?4MWZMU3ZD-#&33U-G,$&`,`8`P#AD?T=_^9=_B*P"G/&W_+KP/^Q;
MEG]1@6"OJRZ<$&`,`8`P!@&+-!`ME$D0%B$"SX(Q$>'E@IJ!$*B2D"2C;<B$
M1&SFGX<V(^WO:5MNH4A6M^F];UF=NY<M35RU)QN1=4TZ-/O36J9C.$+D';N)
M2MM4::JFO%/J>$GE+_TW?Z97DA-)6*M<\LOC1<R*GY#ICQ^.,5NN/SGEJ<^>
M5S8\/L5"CLZ4K?N;'01NU?\`Z>M_CGHG#_5/W9Q45:NW895A=EY;I?UXN,W_
M`,YR.D<I]//;?)MSC;E8NOMMNBT_FR3BE_143QGZ/_T?]N9E/.\@\X*_/@JV
MK<>!TWC$\;-93Z[]K;QBIWDC'D[UKTUM:8#/K^[[-?N9WO%^M]IQ2S<"2EVN
M%U/\TH+^%G3,CZ0^=RQ<M;.Q2@XT^>Z=?L13T'_I#O*YR5I!+RX\>HD+W:TJ
M1!J'2",K2/37JK4.0R+:VKU]?P^?6OP_=_'TUO9?6WB$O)A9+EXR@OSU?\!M
M(_2+-KY\FTH^#D__`&%_";G<9_Z0KD(J7!G>07F%T6\QFUI7.KO)>?5WFK+Z
M4[UM3&K':2O2IFVW->NMJ1#87K7XZWK?[G`\A];<^Y%QXS"M6GWW)NY^:*A_
M"SE\'Z1X-MUS\J=S7I"*A\JR<T_ZI^@?Q`_2B\!_!I4,GX_^/=4%WF*PEI?5
M;A]5?^I/+]-Z=>8N=L>)D0/U&M^CC(KZ",K7_P#BUGFG-^\/<7N&L>3R9RL/
M_1Q\EO\`JQHG\95?B>@\3[8X/A:/`L05U?IR\TM>M&_NU[H[5X'HGG63GQ@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!5=JXS2+F9
M>/G';VDB^Q'CN:!=9ZM4QOQQ4?&U\82J74*%8=]O_?6B.E;F_P`5[5O\<%J1
MW_#AS'_7]2_O][S_`,2L"K'^'#F/^OZE_?[WG_B5@58_PX<Q_P!?U+^_WO/_
M`!*P*L?X<.8_Z_J7]_O>?^)6!5C_``X<Q_U_4O[_`'O/_$K`JQ_APYC_`*_J
M7]_O>?\`B5@58_PX<Q_U_4O[_>\_\2L"K'^'#F/^OZE_?[WG_B5@58_PX<Q_
MU_4O[_>\_P#$K`JQ_APYC_K^I?W^]Y_XE8%6/\.',?\`7]2_O][S_P`2L"K'
M^'#F/^OZE_?[WG_B5@58_P`.',?]?U+^_P![S_Q*P*L?X<.8_P"OZE_?[WG_
M`(E8%6/\.',?]?U+^_WO/_$K`JQ_APYC_K^I?W^]Y_XE8%6/\.',?]?U+^_W
MO/\`Q*P*L?X<.8_Z_J7]_O>?^)6!5C_#AS'_`%_4O[_>\_\`$K`JQ_APYC_K
M^I?W^]Y_XE8%6/\`#AS'_7]2_O\`>\_\2L"K'^'#F/\`K^I?W^]Y_P")6!5C
M_#AS'_7]2_O][S_Q*P*L?X<.8_Z_J7]_O>?^)6!5C_#AS'_7]2_O][S_`,2L
M"K'^'#F/^OZE_?[WG_B5@59V87CWS>!,ASX[W3-R(,N--CZD]S[A.C;?B/(D
M,ZD0IO1)$*8Q\C>O>R\VXTZGU2M*D[WK859=N"#`&`,`X9']'?\`YEW^(K`*
M<\;?\NO`_P"Q;EG]1@6"OJRZ<$&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`?1Q'R-K;]?3WH4CU_=]/
M<G>O7T_#U]/7`(?SBH)Y[SRAT%!!19%'IE7J""BXR8:R2:T#@A4D%Q$O2$Q5
M3-0ODVWIQS2-J]ON5Z>NP>KJ3/`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@%!%O*'A(.#?R)6_0X<?E_5:CQ*[H6+
M/*F".G7R32X=1K+8]L6N<54;?Z`*TU*AMR(2=/.*6\E,:5MD6C+`3U3F"WH,
M='1Z$N04L,JHC&$W"O*>(VN"[&8G5B"UHCM<NPPWYC*'83>E26UNHTI&MJ3Z
MB49C['V'GM6G@QY6PQ/DL$"26A2(:VY@]@/$?"M2"Y$@PM4,<,0T>8?T\ZM*
M'(Z7'$;4EM7H+1G6YKVOFW6*X`LE/LPN4U9*:+Z&.#/$A>K*FD'-*<"6>:!B
MSI<^$(+L>CC#KB=:WI6DJ]KFE(2#5#`U/R0Y';:L.NZ+&[5*B9'"2X4_TD62
MYC",##WU"@4X:B^QJ]+E1#4>*IZ(YIKV2&?X3>U>F_0&FG0FY'JO+P_W?[MT
MBA"_R\3A!3_W&X5Z%]C,$F79`X27^I(M?;29".RMQAA[V.NH0I24[UK>\"C.
M$AUCFXLF5$SKK5V)5=9E/VQ2SX=,>F-18D>?[[B\N<G59U)B24N,[F?%IU'X
MZ_#\<"C,02[CS,37[/:)5@4Z%JEE`5"5)%C"9U\Q9+6)J1FKB*B/!Q")&X3;
M)&O`Q$%L:U)7*>DZ0WI6TJ]`HS*C^KT&6R*T0L4*J%B]?GVJ/5;RXFE7-FNB
MMR=%3$^HV78VP01HW4-Q3[[L=++:$;7M7M_'`HSZ)['R%40P03U3FZH%=@#2
MM@G)O%8W$!"S#B&1!(Q)T4^$9`*NNI3&>?4AM]2M:1M6]ZP*,[SW4.:1YS0R
M1T2BL$GY8<>P/>MH!J<]/L,)1(!":B+()D.2S@Y.Y$-O2=KDLZVMO2D_C@49
M'J]WCCUI%B#P3HU/EUVR2Q`ZJV-5A$1P=M)'=2MC1=7(R)C;)LH\N&ZCZ9CW
M/_(C:?;O>MX%&2B/T.ED1MF*`;$.MK5.<F1K'$I+VKH7&D8,?<E\,Z$J_P!V
M++.[:]/9!2RJ6XI6M);WO>M8)0JH'Y5<0L)>M@AUH)Z)V;<R/'8GTRZBVPI>
M"9N=<<K5QED:_%ATJU2+!SH]"CC2KD29)E")#33:UZ1I8M&=T1Y+\A/"N86$
M29L$NL=AEL#J+:=T*^1:Y,*32;X48(-%YM;C1:D7+EHZXT6*6W"?>>]$:3[E
MHTH*,ETOLO,!]^.\Q(W(2-NE9H<3II\814_`BB:/,+2@C9V:<EL,@&6V2$3:
M7V=ROJ(S;K+KK:&GV5N!1TJ9"-U7E\QT4Q$Z10I3QX++L8-F-<*\^Z9KT!,M
M<X\*;:(J61"PD0']NRF=+8;TRYM2M>Q7H)1G#;^L<ZHT(K+L=O`Q'Q`.T6)X
M,T4@R;%+%TP<\4L[@NOLR%%BCP:$PI;[;#2UM_AI6M;WK!:,P1ON_,*WTJ#R
M<Z=EC+<1&12D=<JO6)%80B:+N)V%!FW;0O=0&F)8'GIN<W$D36I"H@UYS2?;
MI/N"CI4D43JW+I[HQB#TF@S'S0.39@S,2XUZ0Z6K<)N0[,L(QMDBM<\'$:B.
MJ=EM:7';2TO:EZTG?H)1F%)=YXB(AUX@1Z[S:-!MTD/$JLG=UKKK5C?/V2-3
MP_V-3)!S[JU.M$QN`EQCWMZDJ]BE:WK?H+1EL8(,`8`P#7VF^4/&KWW&^^.`
M0Y88O9.<5UJX'JA:.>=#I6B5-=.NU=5RI)VWU8)7.AU./9F5CW2(*60B-2]:
M0IS7N1M0&P6`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`TBN/@S0[G;SMOF7*WP
M7K'8Y]O+"8+8/[3,M*+"$,T^PR6)(U]Q\MS\<@Z.&.*5[?IK))4\EUR/#4P,
ME+0C=0\`:J!=M1.R='M-WLEK=>=EV8T/'O&&I+LOBDITJB:2=,34G"#G#ASL
MQYIYF.N1)>5'CQ6FXS#`;C*@/!P,.F#I9OIE@/H`-T(/6XB:Y6A,8=4>9DJY
M-J0.<F/'?67GZ9KB&YTY>T;DJ>6M#3&O:A,H-Q(>.>&%*XS?YM[$')IJ3(H8
M*FP?N\>9]R!OBN><UYF0GAGXAQBN0AYX!RL6](B)$?-J;I:]2OA^-ANARJ1T
M/^G]QP`/YZ)#J5`%\^YM`Y\P.CU^LMPCDF-SSJW.YUS+1M#/A59S4+K4V5*=
M1I*7'V4:]/8MQ*I0;F803^GU5&KB:N%HZ7;+O)(#B(4>Q8APJ?\`;Q$NH]EI
ML".]LALA$6\!#=IFQH?T<<?&1#@QFU,+<5+?DT;M*&3>\'4-A(U=#]@L@8:`
M-6XS4'X8"!&.QT=!M`VW7@)<;(+(BC=M"G2$)V)[F'A1%H9)6QN6MS27]!N)
M?3_#NOT;C(KD]?OEH:(5FT<]O%0O4F$&DE05NYK4J34@4UT2N+H25%3H-+2F
M=#=3KYH\Z0VVXRKXG6PW:U(KT?P@B]?G&)W1.FR2>[>''MWEL51:X.V9LH2E
MW:@AB0:61?.SZY64UZ\/ZFA/EE,37FO7;K;<F<U*#=3H1J+X*39=O-WHET$2
M'-B>N]*Z7R>`'H-=(`ZYN_W(+8);5[C2F1SW1$.CJU#;8CO*C*$OJ4Y'DN.,
MQ'8X;CLM_IZ5$?6JC4`/3+B+KP&\UZ]GH/T0O6K>5K`OCXX*^30(^R0U3`Z.
M0M-0/J&9<*#"+S&&HFMH@NPPW',OP#`?"XVSTDFTJ;4BG,"NUTRK2F7>6%]P
M(\H0)C26W&@=Y:&A833-B:]SC;K;KOTN_E2AH-Q<56\8X?/*A=`',[X:H]@M
M7+07-A]T'@ZW*)UJ77CW4K%!N\0?)@?;2EEW/ZI)4O<Q#K2U1&5*2I6W/<)7
M74B-4\-QE9,\[GIODW8:G,T%VP5@;6QPX=<SO)R=V*\[/R9\N:8.C9\6;>'I
M!E?U4E\[-BLR'G6UKEZE"[C*,^)(IJ5PME=Q<D!.$VTQ>J_N14@#EU?LI@[8
M3,S4*]J]9M<`EF+!N`5AQ(VE$X#6F5O(2XY[@W=?$Q%\\(Z1T"Q6BX&+UT'=
MCNEBM9"S?*8^X58G5+95!%(E4)5#GZ?J+02/7*H#3I],7ZQV6(:D..*6X]I8
M*31TK/X(\VLZKVN0?-P%WLF7(27APRN,R1+9=_R#DO0!;ZQ;BD0FWO(@HK2%
MZ4E6XS?NUOY9'R*#<R%G?T_]W$RV:NO=;B:=D&+O:"T"!7Q0(-^:KR%OE=)D
MZ^&C3GQ@F.Z'O6F7TRVB<U[0J'I$MI/U:90;NY%D=U\)><]YMMEO1PV=`6NR
M4)OF3IT%'$H*P:/(K?3*X>KT0A)ANRT#K#KI&Y;Z-+UM,L7%6C>M?*EP%)I4
M*'5^FX.+E;4,.7>`,H9P56IBXU2JZ$V8MT$;&['HG:)IZY$;B9@")<_K<B1)
M$NSB<<FI"T/*:CR)D>4+O+G">%((0JY6!VY)F]$O5JY?=3%IU1ZY#$PSW+^M
M$NKP(X&L1U^X57#$Z>F+*A:G.+6I"I:GE2W775";C=_!B,`8`P#1OD'A1!YC
MYC>07F81Z/*L-S[K3Z_SQZJ!:'3Z!7H-2JA^<;K4FY2Z]'69ZG?*[$EI$P3I
M1Y#T8.WN.EK>W''%`;R8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
2,`8`P!@#`&`,`8`P!@#`/__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>27
<FILENAME>g655598gr6.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr6.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`-H``0`!!`,!`0$`````
M```````'!`4&"`,)"@(!"P$!``(#`0$!``````````````$$`@,%!@<($```
M!@("`0($!`0"!P0$`!\!`@,$!08`!Q$($B$3,2(4"4%1%19A,B,7<0J!D=%"
MDE,DH;%2&,$S)28G8D,T1K9W&O$W1SCPX8)$5&1TU#6%-E:&EJ97ER@9$0`"
M`0($`P4%!@4"!`0%!0$``0(1`R$Q$@1!405A<2(3!H&1P3(4H;%"(S,'\-'A
M4G)B%9(D-!;Q@D-SLL)3-76BTK,E-B?_V@`,`P$``A$#$0`_`/?Q@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P#Y,8I?YC%+S\/(0#_OP#Y]U+_F)_\9?]N":,>ZE_S$_^,O\`MP*,>ZE_
MS$_^,O\`MP*,>ZE_S$_^,O\`MP*,>ZE_S$_^,O\`MP*,>ZE_S$_^,O\`MP*,
M>ZE_S$_^,O\`MP*,>ZE_S$_^,O\`MP*,>ZE_S$_^,O\`MP*,>ZE_S$_^,O\`
MMP11G[[B?_,)_P`9?]N*H#W$_P#F$_XB_P"W(J@?GNI?\Q/_`(R_[<DFC/WW
M4_\`F$_XR_[<$#W$_P#F$_XB_P"W(J@/<3_YA/\`C+_MR:H#W$_^83_C+_MQ
M5`_/=2_YB?\`QE_VX)HS]]U/_F$_XR_[<5('N)_\PG_$7_;D50'N)_\`,)_Q
M%_VY('N)_P#,)_Q%_P!N15`>XG_S"?\`$7_;BJ`]Q/\`YA/^(O\`MQ5`>XG_
M`,PG_$7_`&XJ@/<3_P"83_B+_MR0/<3_`.83_B+_`+<BJ`]Q/_F$_P"(O^W%
M4![J?_,)_P`9?]N2#\]U+_F)_P#&7_;@49]@8IOY3`;_``$!_P"[`/W`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`=%WWPW#IO0^O?TKETV$]WNI3BU<KMC&`*W'\`84%$Q,`"
M/ISR`9R>JMJ$*<W]QT^F_//N1YUEI.9Y\?U67Y*4I?63D/3DP\\_]1^`#SG%
MJ^;.M1'"$E-#P!928.(_`2RS\/7\@`7`CSFV,L,6*(^RR\VF'`RDP'`\CYRD
M@8?](@X`,RU=I%%R'ZK-*F`1F)D"#Z<EE'_'IS\!%<1^.:Y.3>%:$.4$Z-JI
M^F?S!0$0F)@W'X#*OQ./KQ^#C_[`S9%O23X7BJ4.$9.5_&6EP$!#D?U61]!_
M`!#ZG@.<G5(UNY*+HHX=Q4`_EC@(A+S'(>I@"4?C\/B`!]0(@(AFF4I5S9LC
MXE5K$JT7\R)1#]5F2AX#Q[DG(`/\`'_J`]<BK)HC])*3R`\_JTL`"7Q#_P!I
M2`\AZ"'Q<"'X9O3=$11'($I,J$])68-\PB(EE7P<&'D1#GWQ#\?AF>FX^#,=
M5O*JJ5*$C,$$PFEY;U`/091_Z?'_`/&/7(T7.3*$J:G3F?)YN<+\)25^(_&2
MD?S``_\`OK^.7ODBM6!EY<N3]Q^O7L^0A#C*R1O$#"<J<R\.H4."_%$CLROQ
M_,`RA5U+FNVEFCA1E)<2")9*:5$Q@`OA(R)^0#GR'T7$?3)T7.4CG:H<T73]
M2FB$*D,G,`(%$I0/)2`&'@.1YY<!R(9A5]IE3@BG>2\LV*4#2TL8Y>#'*24?
MB!!Y]""8''!A]/7CX9-69>7/DRW*2\RKR)I:6#Y>."2<AR!1$0#RY<C\W(Y-
MMMR33PJ%"3>"Q.(DE+E+Z2\P(<_$91^/KQ^?U&7O,AS1C*D'IGA+M*QO*27`
M"::E@-Y#Z#+/@_#\A<<YA.<7!J+JQ1'-^K2PK>7ZO+>!2\`8)1_X^OJ/(_4<
M>F:+<9J:;3H*(Y?U26,'I,S'`CSZ2K[CD`X]/ZXY=%$?1926#@!F)?CU]1E7
M_/Y__A'&!1'*,I+>(\2\N/\`']4?C^/_`.48J#Y)*RWH89>6\1`>!_5'_`\<
M?`?J.!P#B--27D8/UB6`0$?495\`?'\/^H#(%$?))F3Y,/ZU*<B(E`OZL^X$
M.?Y@#ZGGD<D'U^LR8F\?UJ5\A$?E"6?<^GJ/I]3^&0*(^OU:6'X3$L/_`.M7
M_P#^<8%$4:LK-*<`,K,!XB/'C)2'KS^?DN;\L`X1?31`*`2DR/`B/K)O_P"'
MY.`P*(]+'V5';QYU_P!J'>.'+A0NYG9"F<KKN#E)^R*>/B4RZBABE\A$>`'C
MG+VU^1]Y2W7SKN.Y/+)6&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`=%_WPO`*)UZ,<>`+=[J/^
MJN1XYRNJIN$*<W]QT^F?-/N1YS3+)@IS\WH8!`1_'UY^/'KG$::S.N7!%PF)
M.0*4P\CQR'^'H)@$.`R4F\@<1U$O,2J$#Q'^8"F#\?R'C&E\@<!C(^7BEZ%_
M`HCR//'(_EFZ%N;C5)E&_P#J,^!$`Y$?0/SS9Y<^3-UJ<%;2;5?ZGT@)1%0!
M`A@'U*(!QP(!_O<<`8?RYYS!IIT>9N3355D<C?\`IG,(B)0$!$3#Z>OH'&:I
M1=22J*MR<0$ACE]>!+\1_CF.F7(DYSG*MP40`OB!?$OP-P`<#Y?GP(YN6"(/
ME,")E.!1^4!$YA$?Y?CR(C^`!E[S(6X+6TE0I7+5R+;:=*E@D++'QA5#NG"/
MR'33]DIP^I,HN8I&R*2`CYJ+.CF`J9>.3B/ISF=5H\S_`-/GP-$I1A)0DZ3?
M`SN%ATUF"$O;GB%/C7!5/HI)VX;.1,J)>3MA:`9,A')2#P/DL`D$?Y!S'<>-
M>'$R^IFL#*ACJ)'FCD5&[MVS<&.9Q*-))X+Y5,4E%&HIHI19C-/<`/+Q(<H>
M/X^N4_+GR9CJ1(5:U]1K$HL5B>R^90:NOI32$L*"@"IP/T"<6N#LJHB8`,0P
M.`X_W?QS'S[O)F[R[#P4D5$Q&UB`6BSBXE7,(50$T0;\S44[7Y.)T`DVZ[AS
M#R"10X#S:<@(&$Q1'D,S6\QH[3]Q+V$TJJXO>4$;+:]L<FFSDJ5%()I"0#3\
M9:U8%P[%:1210;NDUO?BOJ2(&]M7VV@+G$3CXEY*(6Y7K,HN"CBU0U2V]^,'
M)SP2J3Q5=;:0V"@JW1@(R+EK''R!F?TUCGD1KXQI7+!G-0K,OU`RT<E](9Y(
M@X0$`1\E"@'($S98L6U#35:FBE'=3BT^TT-ML<-5MYJ2]<-UI!3R7BWK$CI:
M*FV1!`GOM7:S5J#-50P\D1<E26.7U*`Y%S:.-MRIDBYYMB[!W+LHJ2QQ+6L0
M6X")P$H@)@X.'`^11`#!Q\?3R#.?;:5V,7G40>M:H8H_$EE10`!*3R-Y>7S>
M)@^;T\2>OEZ?Q#.@2<B/`'*<_P`1YXXY#QX`0^;X_'\,`YC*F`P^(E$H<>G`
M\CZ!R`#\.1P#C%4X#SSR'(")0_\`#^0?QXP"O\@,0!#Q^!>0#X%X#X@'X<\^
MN`6I8H>X)BB8WER80YY`.1].`X]`P"@4.H4P>0`4H*>AO7GTYXYP"K2-\Z8C
MP)3<^?/P$#%_'`*MM_,H`#R`<<?X<CQ_V8!]^XJ/J'B8/,`^4!]"^O//K@%4
M8?+X_P`?^W`/2?\`903*GU]VJ!0X`=SNQ^//_P`A%.R]M?D?>4=U\Z[CN7RR
M5A@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@'1%]\XW%#Z[`(\%->;L!OP]/VW'<_P#8.<[J$92C
M#2N+^XZ/3Y1C*6ITP1YS3`3R#P'DOIR/(CZ\^OQ]?AG(G9N-X)G5\VWS.(JQ
M@$2E,``!N/CZ_P#?^63"S<2Q3'FV^:/L1\QY$1$?\1_]&&G%T>9'FV^8$PI@
M(D$/,`$0\A_'U^/(_#+=G],JW6I3JLC[(N90Y4CAR!@^8P<>/(%\N.0'\PS:
M:RN2\"#P`AZ_'D?]65+EN;FVDZ#SKD?#%.ARJ"(#P(!P(>0?X!ZB/.8>5<Y,
M>?=Y,_$04\O-(/(1`>/4!#@?CZ<@(9K_`!:?Q(SU[A+5IE1_QS.<5?;`ZJ@%
M3\4S>2AA`"!XC\W'X>7)1],S5N;=$G4CSKRQ:=#!CV*<N;8R5"9+-(E1^6/?
MW*40!@Q;IMC@,LO#J/\`P3=%9E*)#.>!315$.`,/!1NV[%NU24WK[.7887]U
M*44HYT+T\28/K=&LXQ)C*/6))*;;JO4>&D5&-_,CMVHX53!^XCXY)8"KOW!O
MK72AB-4`13Y3.TRW,_,WBI8C@H+!M</L*\/!'R[*I<ECJEDFR09242=),IVT
M<Q<)&HF7CYLX-$I01(=-LWBX*'.F=JG(S:X"DFB@5+V">9O<X**F9:>2I'@8
MVKD+R;M/53!M5S69B2&S7ST(YG%P+"-1=/W)(V'K,>>?M*\>B4@-E[#+3!2M
MS**''R!0">O("DF8GKC2S.7@^;`NHWJZP0"WD[(WJ2[0XKD22EX,7@(JB!_!
M)%>+<**O^`#R3`@"0W/ICR(<S'S;=<'B233=@)V`RBBME5<2'H8YDF9FSF2;
MD1*4Z3IG['[;GD"'/XF*JF5P!PY3,B;XX^59Y_Q[BP]Q-JE'B8K>57U;>/Y9
MPR@DEUUDCLCR$&_?H*OG)BN$5W0NT'\1#.OJ2A[8B43&5`H\^@AD^7:6*:_C
MV%50;:6BXN]_?B1OKK9=UB+(BK#1TC9Y9PPD(Y:T2K:5C8>ID,0WU[1A'OA:
M_J\P[$W/"O@F4>3`B)`YS)-IU69NEMHJ+<<70WBN'7^H=AM=2,G0M@W"M2B$
M0S1E9>$F07/8+4Q;%=R+!O!E`Q;&T9+>7M^/EPH41!0OB.6+=Y^8G<7Y=<>X
MJ1C<MR4]*=,:2R??V&GT[3-J:C3C8>Z/XW8U;C/::O+(+%A3[NT:KH$!-"8;
M><A$+E;E1#Q5.=H=41$H")L7Y6+DZ6H^)O`W*4)W%.4G"2?RQ^1]_8<3,63]
MFO)1COZU@B=0!7*@HD!"@H1,`4*<1`ADC'`#\"8H>0"!A`?2NTXNCS+SMS45
M-KPON/KS2%+Y!Y4'@0,4W)1`1YY#\!#PR`[=Q1U-/2?("/'SCS^8"/I\?3!@
M5"?M\>0&(40^/EZE#G\.!P#\<G`4^2F#R*7Q_I^A3!SSR(?`<`Q]1<X"0`/\
MX"`"'QY(/KZ!Q\0'XX!5D\C^B@<EXY#D/Q]./^P<FE2"H(0QO0@<\!^'Y8::
M!4MOD\S&]`X#U_P$><@DY$SD)Y`(@``;Q]>?F,'J(AZ?#@0P#Z,N'IX?/^?'
MX?E\>/C@'I8^R@8QNONU?(OC_P#!G=\!_P#P13OXCE[:_(^\H[KYUW'<OEDK
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`.A_[Z/'[!Z[\_']\7;C_$:W'`'_:.5-UE'O+6US?<
M><GR\#%*/IY"'IQS\1X^(`/&4RZ</M*^Z`@!/#DPFYX$WP#C@>?3`*U-(PAY
M>/XCZ\A_MRM>MSE.L5A0@*HB!>3%`0_+Y3<\#_X>?7,H2C;CIGA(%*')1X`H
M`4?AP'@*?Y\E#Y1\A_[\W1:DJQR)/T%0\P+Y#Y`(>GK_`(_EQDF.I(NR:9E0
M.*0'-[?@HL;U`"$\@*!C"/``41]`_,<BJ&J)5OD)=K&*2L?%'<)%BWTH@JZ/
M^EQ[Y&,?0T=)MF\H\2!H,BQ<SK<3H"8#&\@`..>0V6=K67FM82Q-%_J5F*\K
M5XHX/!_R+M0*3$7U]![/7<RD77T*X+08,\N^(YM5M1!S'3[!6(6,2*BH",?I
MB*3X!!=9L(*%$H&RUO;]O;V4K<4YI')VLKVYW$M4VK;DZ=QS7U9Z[%*M55DS
ME%Q,*7_0E^BKS!LD@1P9(Z@)I)LX:)5X3.L/SJF`QB\B('&A&6N*F\&U7WGH
MHQVT4DY8I=I@,3`IQYYR1F%7#]NW<-7\_9%B$9(VUW&IB,=`134H)C$ZZK+@
M0.0@F_ZMSZF$YQ#C>G@:6L<,C7F^726NEC1<-$)!Y&UTBK>OQ?L*H-?K7:GF
MJ]E#^B#=N01,*@@'F*/MHDXYX"9)P599%FS=V^WVSA;BO,;)<AG<WK"D';RT
MNJ:SV)$7L@,<D8)5&$.J=P2+:'(<ZZ$C-KF`S@Y"@H"'M(DXY#->N/\`"93W
M%N=S&*K[B$K+.O(Z7C4G,&YL-D>J&XKZ3TC!I#>^V(NFWL;QN59\B]10`#*M
MT#"<@^7NJ^7)<W^3<Y%'RYK5)K"#Q["UG[)B>6)12@O9'4491M*Q^MV#V/K=
M;,``#ANZG)*4!$S\#\>X)E3*C\?$O/`6?HFL:&WZJQPDJ]S_`)&SNM-R+.&3
MB-E3&<Q*1?90<QTHP?OV#QN8#&056(Y3;R7"/(&17*9-80\?(1`!S7+;Q46^
MP>=-X23<7G0R78#]V209$DV[.;KH'36BK<SG*_'0RK14B:Y6T@L[,L5D1P?A
M)T5$J;L%BBD/`%'*D(3FM455+D7+6XM68.W":MIJE)9NO#VF#04_L*!L-8E8
MV4@WKQC)I/HJGT>1D2PR46J!SG;MA^F8OY8':9C*2[Q(A>4DP;I"!!4/FR*U
M24>;*UV[;2<&_$T2U<]@V*Y/HZO5M[.6+;-IE&S][78(K^2>NFH@J95Y(2<6
MW+&U6#*Z6,0@NDO;]AN``4I3I`:W#;Q4U3.I3:BU22K$UPKO:>&U'?;7IO?+
M:(K#::FG+1[-+04E5A:R2:J_U(2*A$G\`1^X.B)%7B'MD7(?X`!Q$--[:WW+
M5I\/>CHRW?3YV%#;ZO/CWX/M-AI&**1!.:ADEGE.DFC69@+$S2,Y@)J`E57!
M(B7B)IJ9Q'24>]5;*)E425,/NI'3.!%"'(6O*U.*<I+!&RWNT[?ER>++05,H
M&#XE'_X83>GI\!`1^.:%=@Y:$_%[39I>G5^$^S^ORB("4/AX^G/X_AP(CZYF
M0?(#R`D#D0`/4./@'I\1_P!.`<0()>0*`7YN.`$1$0X]/P$?X8!R'\@#U].1
M#@0#DH`(>0?Q\C!_H#,HM)XF,DV5#<Y2&,)OE`2^GH(_CSQZ!^&3)IY"*:*X
M$2&#Q`OH;G\1_'U_$<P,BG^E54X$`Y`/0/3CX#^/KZC@',5!,IN/$>?(`XY-
M\?40#\LQE.,?F9BY)9GI:^RH4Y>O^U0.42__``9W@E\O0PE_9%.X$0#T`<O;
M.490;CE4I;EIS5.1W)Y;*XP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#H>^^F8I:#UW$P\?^_-V
MX^/Q"MQPA\/XAE3=91[RUM<WW'G(!4HB3D_`'XX,!0$>.>.0]!^`Y3+IS>9?
M\./3\?7_`.&'\A'`.1-13S`"^I/(OR_*'(>OEZCP(?AF$KD(NDGB052AA\!'
MVO4H>@AP8P>OX<"(CE.[)2G59`I/`5!Y\3<C^8"7X?X\<?#-]N[",%%O$`4%
M$CD-[0#Y>I0$2\"`!Z^HCP'H`YDKUN4M*>/<R/*G-.<5X43!$,*35*](WG:1
M7Y*;#RC$SEE6W<<TMT\FHQ3.1E'H2X&:*1IEG`!]6!3"BZ,C\ITCG$O2M68R
MMJ3SH<F=RXYMP7A/C4E&N';AT\5ET(Z/ZNUIP=RVETD'D3:TF"23.,E8F9@G
MJ8&3L$PR!J=8&IQ:.'J95RE$0`^6'*-J*3=$:G9C+Q2S9L?LN+K[)A"Q\)'-
M(>FL8=,C,S("!(1L./@A$QB*HJF_5K%(III*@<Q1]Q0YU1`2`F7.4W*[=EYG
MZ5<.XZT;%J%F,K7ZFGX$*/*;7*K&N[/+O#QU37#V$(QZ*CDEBDT'7D[:R"I#
M&5>-DU"<>VF'*RG(B(>@`:2=(_*3IE3',UOV'$6'9\JBLY)+5O6#IVV!*/3*
M5"PW!Y&)"<"BP;&]UI78U<"D9MB"5(PC[BIC"'ILJC/4C((&E56(.Y%=,?<8
M*I_I]9;*>^=DZ.;S;%FC@F(/Y5<BGE[!3>)0,;W.`S;>:G%:<Z?`PH15;6"*
M$ZJX?R9$G9GGD_E7*@'<1R#;S<*IHE*`$5DR)^B*8^)!5,!S"4J90S-1L<\>
MXTUW'\4-4]BK2K2445BT7,<M-1KI.L(N79U7T!6W"@,Y>\S!&_\`51?.$51;
ML"J&,=PY$1X\0YRX9-?F*S^)KQ_QD1P_D8.F1<?'UZ!CFR3)`$W+B11%9-%R
MJ1-9P[%)8X?7S"IOZCI=<2E$XCS_`!U^9?XK[2O&%E--/&O(QZO;<MWZF@TB
M0GI6)D55#G?*M$HNOG^FX%0@-_T,K19N(F$2G$QO(?@'ISF;46J2QB\^XN3O
MW-+T02G3!\GP.Q?6>VBHQ36#>5^&)'OR$%VW52@G#9X`@X*"[<CIL1$T@7W?
M-,R[42F,'RF`W`A5G&[:\.TI"SQ784E8=Y5W:U7:8-/)\RJ<'L4+L"L2J%JI
ME=]I,LW&34NDHW=!`+.?8<.8F+9NQ`SENW,JBL5--3VS\E`@\@`Z,L5F9VK4
M[35MK5!O%\C$(:X5JDR"M8U?)WJT3MON4;(W"]QJK.OH3,@E)$!M!GDY$K%Z
MUBXN.(H'L$`IU1*41\?DS99O2A=C*YA!/$LSLP<6H8RI@2=V&ZQ-[/!N]Q_I
M<(Z:7U^UC5*Y"*2;Z3C8EG[RBLQ^BF;N*ZQ.N]:IF;"@9-95HH`G6,J?YNQY
MUN]'3;=6SC6;%VS<EYB23?-&E^HXO;FF):/;45W&[8UTYLCP\_1+0]:,(UNF
MH>1,Q<4:5G`<1M9NL7[[H[%RHNK%NE%`;KE0.8QE*5S37RI?,R^[<[4XN:='
MRQ^X[`A;)G2(9&,M,459,CA",N==<U.TLT%5%2E).0;DYRL7ODD<!!%1=N?C
MS25.F8HYSKFU<)^;3`Z%O<6;EK1"59'ZW8JBH`&+\@@(`43!\?\`$!\LP)*\
MS<Y"<``$+_+R``8>/7T^`CZX!2*-?AX$$?3U'GXC^(\"/I@',V0.)A**?H4G
MIR)1Y\A`1]!_\/PP"L38)!\QO03&$3<B(_*/(\?+Z<8!6?3_`#$-_,0!'C\!
M#X<>GH;X9C*<8?,91A*?REP29E(3@W`"(&$O(<AR/\O/'(XC.,_E$H2A\R*,
MR1/+D"!Y`/(_XAZ`/^K-5Z$ITTDP5MUUGI'^S`7QT#M#GGD=PNA]3";XTJH?
MQ'C+^PC*%N2E_=\$4-XH*XM&5/BSN'R^5!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'0G]]X!&
M@=<@`!$!O=WY$/B'%:C1Y#^(_#*6]G&"CJYLM;7.7<><`I%2&)R(@!0`Y2<>
MAB@(^ACC_O"(90\^WS+A<4@,8GESY<B/\./AZ!_`,>?;YDE6F!@$`#^8!]/@
M(?Z_@.5KLE*58Y$%9Y*$()OBH'PXX_/_``XS6#Z*H8Q0,IP!O][RX#CUX#D1
MXX#C-D;4Y+4LC+1)1U_A)HU=4$7#AG;;"U(2L-IUK"OU74:_?J*-'D9(.%'T
M9]*DL1$[!ZHQ%4RQ11(DX(<X"F83!?VVT=%.2S.?O-U*$5"R_P#)&&=GW[&U
MLJ'6ZHQN4W7:ZHU:L;0I:'02C$&@M%#J.J4_81Q7\6^$A?$G(/$O`0*(E`I1
MZ;E"U&CR*,;]N;I&M>XW_P"O;776L=;U.H*S0,(QPE+7._+0K)RD$A6E&":_
MTZ"[TR1HE:76;.$3^8>^514?`"FXSE;FY=N5\KY:X'3LQLRBDZZZ8X,@B:F&
MMTL\];I8HQ.OZT9Q*J02JCU,LU8WJ10K5?8*%3,9TE`QA$O>4("8@"QB^@"!
M@TPNQC%1G\Z6)=A:G+PP61`\A)OK_9D7<\Z1-#Q[51M`P:R9@C:_&B<4U95Z
M5%0J:0%,7VRE`I3+GX3(4P`(YEYUOF3<LSMJLZ>\O#QS7V4>M('E48IDP:B2
M5M%P!I%E(W`/(3-D_P"BFP;.40]M),I/=/\`#@?AF<)*X_"4V\>)JM<=LI3,
M0_&A^,.Q6`"_O%^B1!RZ;^X9+QK;=T9`W]5/_P"+B7Q2+Z\"(\9O[#>K4WCA
M[T1V>=;+12#9V1DDBU456<*JKJKJ2KX4Q$)!^Z6(FN\.<XB<44P`5#%_T@,*
M,I6["L1;Z0F9EJ)7,BLS=J*.S?6R<DJQ0#Z9W)I>Z*<9#,1,?Z&/*4#&,`#X
M@`"(W?.M\S5I?EJ?_K_QQ-5MI0$U<+.J%8;JUZLB'!EBD!=9N@JH+AP1=0Z1
MO$SDB8J*'`HG.J;VR@(@&3YT&Z59L\NTLG]Y3N6(0C5,D\Z709)*M"(07RGF
MI95)(_LN'I5!]AD1P0`/[(\)H$X\Q`1S,AQ:568ZZV-86:<8DJC!M0]\#1D"
M*_ZFZ*ER(IJF35CSE.4`_E]H#$Y^'/.1)/2UV&I7(5H;;:SV56M@5<]-L\*=
MNDTF$T$7R#]S6K&R6?+(H+N&;E=#V?THBG@J(@0"(`'SI@41,%-VII5>2-M2
MFE%M3U]S85@L<D@[A'`1WTDPLR^GB'+9U[9R?5KD2*W7`2B!3I-S+JAY>/`B
M(YJFJQ:69MMPF_$HRTKL/FX=O['2:#8BZWODLA/;`KY=954[9BHO=9.#DG\>
M-RGHZ`59ODVBZ*B:3-@54R:)@.`@(F+Z=':6YI510W6A2;FM4>1",C;;8ZI#
MJPLX6V1EPJ2ZLE?D:Q8X)I`Q%<8.F<?]=?6W+BL3%PE9%^FFJP:M.3N5_;.<
MPE.!.C<A8\F4G^MP]_,HV=U?U/S)N%M9*E<#=ZN=A[",M`4K;IX^:CY9E^HU
MO=4.O+.DE"O&95VM;O=9$9-6O2[23#Z=5=JX_3!,J94I>#&.',O1<[;BLSH[
M#;7%&5V"4+3>.*>KM[#8LS8B9^141,/!#?TRKE.4%"%4((D5(42\D-^/_;\<
MYK6ET>9?<&E5T]YS?3IG2#Q#U`0Y-Z@//KSFN<XVXZI9&)3*M2)\'#UY#@?C
M\1]>?C_#,;=^W<>F-:]P*8>"B`E`?0P`;@!'T$!'^/Y9M!S&`0#D"@(#\`$1
M#@!]?X8!4D$G(BH'J(``>GPX_P`.`RON,D6-OFRM.J0"E'UX'G@.!Y]/X#D;
M?C["=QDC@.B`B`D``Y_F'_5QEDK'H]^S,7QT)M`/+R`-PNN!XXX#]E5`.,O;
M7Y'WE'=?.NX[@LLE88`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!T1??/3!2@]>.?]V\7<?@`_\`
MR-1_X#_AG,ZE\L.]_<7-G!SE*G(\YBJ29Q$HF,(!Z!\O\O)0YX^`_$><Y)?\
MF79[SC(F*0>)#"(<\\F^/(_Z_3-D;4IJJI0PE%Q=&5J29E#)`4.`#@`$/B(A
MR(@?\B_QS&47!T>9BO%+2LRN!LL81*7T/QR(@(<%Y^(`/&8F[R+G8912*HI<
MKU4:<F=PHYM,RC&HMV:1W;]1)%,[R24:LF_#EP=K'-U5A`O'RD$1$`]<O;=.
M4%%9F-^:L65&?S,WGAYJMPM8M+ZB2R=2KEC:P[VYU]Y&_KS%*3JC2,AXZ;UY
M8&4F^%RA;H6/$TBP>H&]OS.BH`'3#.G"<;45"==2//W+7_,2G;=9MY/+(T]5
M=2]SOQQ.)H9N_>HKBP95X6;-PV`I#IR!#&,DJNV6*F8RI`3,8`'U'CC*NXW5
MI^#'4NPN[?;3G/5-)3>9/M]CY*(82A'I1<MV;"#15%LF9,JE?9MT2+NTTTS>
MV'MO$^3"4IN/(P&`!#*OG0A%2E4[^UZ?.497HJL(RI[34^RW&6)28>-</U9%
MPP7F$V$.B)0:K.)-U[Z[\3I\D55>BLF0#\";V4S#\`#*$KL')M/"IW]KTNZY
M527O(>A+;*P1GKYNKRX9\D4?O!55)(SQB#];*F01*;S;1GG].P2'^0X^8"`^
MN:WN+?;[BOO>AUJZYD:62]*/5F+ZXL@DC-3"DVA7B:BT0D\*5,XNW#)99-K(
MN$Q)Z"H)T6I1$0`QQXR]M+D'S.:NG23E!)>!&%/;_69I=Z$D"1'P>2+P@,T'
MRD;#>!3@E#$,DDT9**"GP"1O<6.!1'Q`/7+VI,IOIK>-7B88^GD4)1DI6(MP
M=PN58S%TZ>$>6%)J7Q%4XMCF6:P4:LFGP!OZ8^OIR/PRIW&J=J5KYJ>\NZ,@
M_6D6RZL4UE[(L9=M&,"H@Z8,O(I#)R"[=$QY&7E#)\@(E*7GQX%7Q],FG:C1
M#QJN7?@2:SJBM>0='LJYRS,N"SL8N0+XO(YLU:&6_6Y]-,#L(EHS3$QFZ/D"
M27(>HG'@9BJR6*S,;6NZJQA-+M5#5ZWM(MXUD)9!<TA&,798B*.Z37^B?2)`
M256<^*HK*RB/_4@H"7JDJL!?/@I<OW&K3I-HM0LRNKPTHS4;:$M.PRBU5HJ\
M@];I$!6T6AH9969DWZ_J=)],E,F446YQ]E)NV'VB@`E*''KFKSK?,V+IMQND
M4JF+:X_5(%V+U$]MB;1'."N3?22J`2)T/'S<'D(SR5/]*H4X\F4-XF*)@$/C
MSGI=RVW"F16N;:]:FK<O#-NB?(V>N%^U?;[5&V]!ZJG..XLK;8C&7CEC0DN\
M9%;-HR9CF%>:/I0TK',N%#I$531=>*AN2&#@U7R+E.!83E8@XW+M73)<3#7F
MS86.?R"E19-;);W7C'M=AN574=$1C=<WLM8.`B56T4K"H-F0JF,FDW5=>:IB
ME,')CC=A)PLN"^>F!S9VW=N=C,JZYR4?1KRZ7MB+Q\Q;+)6$S5TZ:I,CMX0P
M/32+M,R*RS-FZ7<""#?_`..G1SF,`"8Q1&M&]-W%;EQ$-K&Y"5Q8PCF;F2K'
M:;9\TN%-B=7L(.P22!ZW4V,Y*15K<QKEPZ*O!R3"2=*5`\W*Q("K)K-FR1VA
M5$TGISG]`W2DHQ;>1C&_;C+R)MQMO^$;/ZUO!KE5F:KV#FH*7A520TF29G&4
MPX.LF4@LV(O"%;EDE6S50?ZR0KC[0I>[[9A#GGN#N7/!0M>7;MS2BY-O)\/>
M2;Y+$3$Q2F,0#F(?@.0(H3^<A_\`PJ$Y]0'U#--R"?@D;)IVYJ$LVC@!<Q@$
MP\'((<B4WX!^9>./F#\,QC;C!U69!\E,7D1`0`IO4.>`'C_=Y'\^,S!SE(*G
MPX'\?7`.<B`!R8P\B/IX?[I?XA_CE?<9+O-MJ:@WJXG.<J9AY\0$?_0'PR-O
MFR;MR,Z:>!PJF,'@!1XYY_\`1EDTGH]^S/\`_2$VA_\`-@<\_P"/[*J'/_;E
M[:_(^\H[KYUW'<#EDK#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`.BG[Y'K0^O(?G=[MZ?'G_W;
MCO3.?U"VYQC3@V6=LYIO3R/.4KP!_3@/3U]/QY$/7^/&<SR)]A<UW?X9P^`F
M.7@PA^''P+_I`,L6HN$:/.I*<G\V9<6Q02.4P_$!'R$OXA^`?ASE>_\`/[!%
M4N:GD79NJ=9;Q;@(J<@7Q'@I1`P^IA$1X`2@/Q'T`,UJ+:J7XW(R@YJM(D\]
M=FLC5]E/]O#)F@S42#GVE"L"1&SY%O;UXAHLX(LP7.DJ49%FNJDW=E,!3JH_
M3B7A7RSL;#:W;EJ-Y446WGGR.9U*Y!R5I.LHT;]JK\2).P.Z)"+<*-*]>T85
M6]2,A,6:&;QK18XNE!9*E^HAH8CM=%=5\Z6`IDQ*FB<?41$1#,KL9._."3K'
M-\,CG))W'=JM+DEVY$R=>*VI.1,7(VY958KH2-8TZ\LL+%BJX<-@&:+RJ5\Q
M?((IJ%]@Q?IU!,("'(\YYS=;ZS;W$X2U:D^79WGO=ET#>2MQO**<9*M?X1LC
MM*)C98\H-:"/=$3\FI5&J[UNK(QZ:QVPO'#-RH9'ZYYX!R1$0`%`\AYY\AY]
M_J-N2TQE3O/9=+Z2H1T74L8Y?ZC1VRZ\=.Y%-:%\Q0`S99%J5$"@@NS-XN"&
M2,!?!<W)@$`$`^.5%>FU5-4]I?L;'R'IG2JY%1$:/=6LJ2R#,QHUH<K5JW*<
MI""J8Q#J&<'3$IE@.8@@7@WJ8./P$,VJ_"F-:F.[V%57"C,$V3U'LA&0OGL<
M_3%N5TJQ1.3Z=1554YE`3Y5$$_!,ARF,<X@41`H!SG5VVYMV\95R1Y^6TP5*
M:M7B[C51YUUN45%L&K5)-9X]?JNCL2$5`&22Z?LJS$J\*DHY4.4!%)%%'V@X
M^(CZY<_W#;_ZO=_4U/IDW62TT[_Z%.C5'=>CT8"(@7\[-$7%49%-F``B8IA3
M%R!S@!O^D)Z%\^?'T]`S#ZODV:+GIVUN/T_M.-&+MU9?G4;1B[$68I_2F8?2
M#*R#A<J@KJO%DVZJ3%,A5?Y2HG,;GCD/CFK_`'&/-_Q[28^C'NWJNN*IC@_Z
M&&6"O[0G%O;>L%7L6=R!AA6*#TC1R8HF5!.7=%.5_,*)G4Y'DR2?I\`XS#_=
MK2XR]Q>N>E[CE2S-J#X/D?#+1&R;0,4C-MW*$=&@HG#0;!,64=$-%SB9P"")
M0(4SIZ;Q%0YQ.?@.`'--_JLKCK%LNV/2EBPM4N&/N,S_`/*G,$*HD,+[1$C>
M*295E&QS"FF85#^!0Y*)0-R`F#CD.<T+J%QNB>)>M](L3\:BJ+'(U[V3TW?I
M-EK)77[VKV]@)CL'A"@J5QZB;VWSE`IE@*H`"'J`E-SZ\AG2VO4G;DE<?AKC
M0XW5>C6KR:M)*5#0ZP+V>O$1F72C9G:ZS,G2G#-F16TDW/\`^K*8_H9NX:R:
M)3B0PIB`CR)3<^F>ELWH;B.J%?:?/-[TV6WO*+?CK[#-:_L2B.D8UX:1CJBN
MW9+E!:NPZ#Z27=_2+)&;(B_,Z>,%')7'@HIRBHF54>#"4,VT*%R$H^&J4BG>
M6"2?F2C(A;E47`2JZIP<'<R"H'(=%[*2)EU5G+9F5,#)M0\0*<`-_N\YHC8G
M*\I*FG^A>5RQ&"@FJ<39*(N9J<I#UJ262<?5U&#>H*O%[%,;$DIF4(M*N%(2
MMTZ60>,`0D'9CG6=*)*`@F0G)A^4+-ZS+RW1JIS+T;<KE8QU1KQR_CD;=:7[
M#PSX\YJO>5+;4]S?JZE^QMC3Z,FW86"35]AM6YF21<K2J35P90QFS>6^M!PT
M,0"N0]H/DJV[4H2U.E*&.[C/<Z8[.['S%CI;X+/AP-XWT8TC>$(Q116*\$#H
MN3G%0KM46J`.G9%R@5-=-9V54.?4P&*8IQ$X".4[GZA=@W<MJ<OFC@RTD434
M-X@`\D^8.0XX$H\>GK\0YS$DY/0_(B'(`80'G\^#!S_KP#G3/X^(>7CP``;^
M(`''`?Z<`NZ?@8H&#D>>`^8/A_'\?3*^XR1!RJ)E3X$Y0'GGCQ$0$./C_N^(
M_P"D,U6KD85U<04)1%3U.GX^/\O(<?'X_P"/'&6H3C/Y>`/1S]F4P&T)M$0^
M']XG8?\`]%5#.CM?D?>4MU\Z[CN#RR5A@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'1/]\I0$Z)
MUW'UY_?%VXX_`0KD</YAE3=9(M;7-]QYRU#`<WD`"'/QYXY$?7U'CGG*9=/@
M.?B'H(<<?F/YB'^'XX!7M!\C$`WS<F'GGU#X>@#S^(_AE._^I[""W7"P*U6N
M3$LPC?U.4*@C'PT83Y!D9R6<)Q\4V,8@"<J1G:Y?,0#GP`>/7$8RF[:CBM6/
MO-T;L+-F=ZY^DECS;X4+_O!S=ZQ6*?K),LLM:*#7V;"T(P\ZK`Q[:X23,CZY
M3\F\\7$`Y<)R+Q4J21G*@I%\2HD!,H9[BY"W:25I4MZ5]V/VGBW?W+NN,ZRF
MVW@ZX/%=N5$0(\6C(.=JL8S*%KFUB1CU_)E3*A7(=1XX,5V6.4;MDW,U(D$0
M,Z>NA`RJ_JFFF0OS<7J&_P#I;,I16,E@>@Z)LUNMQ&W>4E.4TZ':KJXK2-39
MHF;G$"I(/4D)0Y3$`#B50%G)U#D*4RBG!N/3TX'C\,^:WKSO7979?-)GZ"VV
MQMJ$;5N<XQ45A[.\DRRRH31Q=E3;I@5--!`J**:2111!7@?<;IIF.8@*<E$/
M@/J(B(9P[]E2O2E5XL[6SVB34:U[68NU9HJK%62:E,JHND998I/;!06Y@-Y%
M#@P"H<P?.8>1-ZYNA<E&"BG@E0LWMHH/5*E&R<*TQA(\\6#0J"1E%&R[YND1
M(!7>*J^\/ME/\Q?8)SS_`!YX_/+2W,$L4ZG&OVKEV3C&,DNTV):3<:X;Q+8\
M.UFF@KJ+$0E6Y%VZ*Q#F\3JG53$_LD4`!#S#U+SQSG4CN(:%@\CST]K<4VFU
M6K,[FZM2I>IN6S^M0P.Q:*J+'38QIBB"O]3S(=)!%P8A$4OE`3"`!Z>F6.TY
M<[EWZU7%7Z=9KC_(U+FM349JU%PSBX8K1TW!1`JZ((N6[D#*B8$@$"^Z5?@1
M)R/KS_#*7G3YGI]IY3>3]Q!4QKVL-5@4+"QS<I3HD6<^RF)@-XB`F6,3DZA_
M3@1'U`0SG_5/+$]+M-JNRA1NZY7FX$(5FS\C\J)`1'Q,FMQX@'F7@3%,4`'Q
M'_3FCS9EKRMOPB_<C''#=DD0@H(LU4_<!,2&0(`E$1X4_JB!3\@;X<\_$,>=
M,Q\F#PIF1[/A'&Y%0H&73!8ARE,)?:,7R*<`4'Q$WGQ_@/XY,;LW)=Y8CMK,
M+4HT\3BR(;HS;)-C?5'26$2%3)XJ>15BC\A"F*F`E!0_EZ@/\H_#+RN7$_:>
M<WFU2=73!'73NK3=.E_=EQ1%D^,@X9NEC)$'ZMHY$O)%A$OLN44EC`/@J/`"
M'RB4?FSU?2MWI<82KF?->M[2MYSCP.GRSU$M#M+Z%DV+A(Q%B+-':1$Q.=@H
MN=-%T@BN5TFZ:*)?RF`0\!#@?ASGJHK5!W%DD>%O4N7&FFHK,GW6\E5$XUN;
M]6>,UE_*/48.GL1'HR8I")B']YO%B\%)%0W`I@J41\N.1`1S%MT\/S&$+.UU
MKS')0,[]V`;.%'==8OBI/FY@EGLDX6B4YX4RE6<L0=.U(UY)-RKI"4`3.DD8
MH<")@#Q'"/FI^)K26?JU:\.WA6';E\39#7G;%S%V"K5^XQM:L=8;`U@BZ^CX
M.!?U]A%22ZB+Z;2E4!-*)33A<2<J('1;$1/X)^7'D,REIC7$H2C%W'?48QN-
M-57:=K$;#KOZBYD8(S/]JLY>1D8J*6=G6F6L-+G15(<AG)S&?M&+TJS9<"#Y
M)%13,<OB'N9S[D7JU\"=JIP3C*2=>3,?*4/,P`0"B'/)N`#D.0_$/7U_CFLM
MGU[?AR/(_,/J'X<CR/(8!R)$.<1`AO$0#D?40_[@',)S4%5D%U2-[1`+P`CZ
M@/Y<#\?]>:9/S\(9KF"N^J$I.!('/F(@/`#R3@..!_+G-,[<H4K3$%*)P-\>
M1X_/U_\`3F=JY&%:\0>C/[-)0+H;:`%``#^\#H>```#_`/8NH_EG7V4U.VVN
M92W7SKN.W_+A6&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`=#GWTS@2B=<^1X\KU=R\?F(UN-X_
MQRKNLH]Y;VN<NY'G1`>0Y`!'^'YC^64BX?)S"'H'`B`#P/(?*(_$.!X'_'`*
MIFX,00`P`(`;R-P'J/X!^7J&4[_S^PA>*6GB8^OL:/KNV:I#RT58'\%%ZPW/
MM!^XKAX]J]83E9JAH:BG5DI`!1C1+8IL5FRH#YB[33*3YA`<ZW1E;K.Y=58P
MX'.Z[&]'8QLVFE.Y.E>&5?N.NAOL^JV&L6I*T[IVW*@:Y-[(_I`0\37IB<DA
M2(@5Q)V06P"]8"DL9N)@165Y#R\!'YL[UZ<I6M<8MQ.;';7WN80M>5#5"+UX
MZLE6JR[C8K4DK*STY&N@;QL=1FKTKB&CD'3EY).&Z12F:.)-PN<RJK@AP$#@
M83&Y#G/,=9K],JJCHSV?IF+_`-PC&[JN78O&7/EE[#MPKDN5_"1L@H44!<^)
MER$.(%*1M[2*0JB;U$AB'#D#>N?.IWHQDXM/`^Y6'KN:HIT)A,H[19(MP9)M
MDC%`R0*<%>*IJ*@H*B38%3J?/^')2_+ZAZ94DU*3DLCK;>>FY2CP*J,3<-R*
MC[J2A3K?TD5%#"JD!@`W)@3\@3#YP_B(YB7-TI.%4B1*ZP4*]!5;S7>E*9=L
MFF'\PE)P'@?D#ICX"/\`'US>K$FJIK$K=0O.WMH>4EJTK[C8N$8KG:,G+M)0
MAC&,=JU`3`0I2AY"BX%N<JR1P4]/(/S]<Z$4E%*O`\;*=9-OYFR2"O7W@G]2
MT,*/LF][A8YFX%5%,AD%C`":@D$P_$`Y`,M*_&F3*KM6VZU1K]>7*1G)`.T*
M=`IA'P`3@H5,I5?:$?3R1(BF(<#P(>O/'(Y3U)L]'L[4:9$&2::BI5_%,GTY
MB"7WE%/'R,0YCIE+SR8I0*?T'CQ'C\QSEG;L7?+P:9@[T5&[5=0Z/]<ACJIF
M,M[A51XXY*!`#VR>(\\@&0=-N#5*,CZ3=$+[2I2&*X*BMY'2/P51/DGH)Q'Q
M'R-\1XY#CT'!65F:=2*YZ23<(J`9!5,YSF`%"B8RIS`(B0`$!_E$X\B.9P^=
M=Z-K553F1!8'JKUF9`H"90Q3'2X^(F+R`J'#DH^)`+SS_P"(,OUXG'W=IJ6-
M*&OVP%B*5]:.=)E,LJFN3_K%#E3<@8I2+>!B#XH*F+\/B`"'.=KI]Z,9Q;3S
M/#]7LQK+#"AT^;Z:G="1)RV,=["E<.8>116(J<(XIS?51*Y?;(HNDT$/D-Z&
M$H>7'/.>\MW(QLI8UDCY;N)6XSNQ2>I_S(0IMRLI7`L&-A)$.W'!%OU=!N5)
M5,`Y'V9)NW5%NF4X%'Y@(!N0Y-\<@YKC&:TS^4F6#K]HD14<N&#!X[5Y3</'
MDLB_BDD53E`OU*,=(%.Y.?R,<Y`,7\N/B&"4YQ6B-/+^TQ]*$CH:Q(+6"QGE
M6L>\;D6A:^0D(Q>-4U#IA&23EP40&/<IE!-1)%0QP2/XD$#\B&4'%/Q8HUW8
MRG#3!I2[3OBT&WFH[5</.PS2-:Z_F4(AW%$A#NI%@PMCA%5C980@NQ0=J,DV
MJJ*[=,_!F92.$^#E*"AM6[=MV?"G6J*NVG.-_3.C\+R)Y,('\!.FF14"%*?V
MB\)G-Z>1N!`.!$<YAV'!J"GP92&2,(F^3XB(E^//Q'CQ#X"/'YYA.:@JLP*I
M,G`!Z`4W``/H`#SQZ\\?CSE:[<5Q)(SA!W'1')[8\CZA\H\?^G(M35MMLF=M
MVUCQ/TP^VF<3?-Z`!?X`'(^G/P^.+MQ7*4X&L`F(B`<AZ\_]F:@>C3[-/E_8
M7:'D("/]X'7P_+]EU'_#.QTW]*7^7P12W/SKN.W_`#HE88`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8!T(_?>4!.A=<!_.^7?@?RXK4://\`HRKNLH]Y;VN<NX\Y"3P"CP*@&Y]`
M`/0>1].0]?CE(N'."I3&`/'U$?CZ8!7-Q`!./K\I1-P'(<\>O\W`@&4[_P"I
M["(^&>HL9RR#2US*[-V^;QM_TC?=>3P1\U`Q;I/Z9[&V^$\/UUB[)-D<KMED
MU8]$/=<)_P`O`AR/6Z0O#.'&>793`H>H+BCL[-]*J5QMKV4_J=>9XZ^L8EM7
MK&I'(0<>^<$)&R%2LT?="M5P;D$6?Z@^5KK&0?,$""0[%LFZ*3R$Q4RAY9Z&
M]Y]FRK49*B1YZ2M;BZY_F*;C!*CP5(I?;0F#4UPKTU=B,*^FJ@TBFJ+**AVK
MD[IE'`T2(R,#EP9,!>OA4.*BJRPF(!Q$I0$``<\MUIR>V3E\U#Z;Z)E9VVY;
MG&4E)85I5=_M.VZJO030B6YR^8_2I'3,C\A0>`<H"``8WS+`)?(!'Y0_@'&?
M,+OZC[S[ST[;Q^GA=DUBOB2_X*^!3F>G,X$O@?V3&X*!QY5346,7DZXA\1+Z
M``_'*LKZBW&F*.E9A#S94YE\AG8?4IH)@'J!O(X\#].LCY`10QC"`F]P3`(\
M_$0]<Q^HCR9T;\(>6L.!L#&.BMR`*#M-JZ,*()^3=HX!8Y@4,<4#J$.HGZD$
M#`'!1_/.A#<1T+!Y(\Y.,G-J>,$W0SZ$6LIBIJFG$F/N*?5)A(,$?'@PB!CD
M,0/$H&\0\0`1`?QS;Y4Y8J:Q[#G7H;&VZRM3;[&C-':MF.W0XM*"HJF!86B+
M%L04RD]TQ5B+`(G,8@<"("`!Z!QSEM)4I4Y;AM6_TY^]$)6AC+B53ZB:.**A
MP.JJJ@D@LHH'H82$3\@3*8HAZ"8/3@>.!S3CP/0]-O0NX.#CWD#S#5PF?E24
M6_JA[28'$I?$A3"``'^''KQG-.Q;A;N*J21B$@J#EJX12?JIKHD4(`E]LICB
M/RCPKQ\A/$O''Q'G!L32:;RJ1++"@3W4U'+@4S`4@$;KCXE5_P!_S$>3B<Q?
M@'(!S\,%V5RQI:2QIS,)>$.`)J$<KJ("G\HJ``%$0,8/`Y0Y,01$/FX_'US*
M+HTRC73CR(DMCI0CKQ3()$@260*00$"D.8`-\JA>/7GUX_CEE75-J"3Q*%U:
MGKX+$UWVNHY90<<Y3%(RC@"`X9K"(`H8IA*<$S"100%8@CR'KZ_PSK;2:C=C
M!\6>7ZO8C=A+3@]/$ZDMU2_@Y=BL"A2M%#I""ZQ#()FY42;D34(8PJ(N$3&3
M\>?$I_0>,^@V*7K,9)TT\#XEO;<H;FY&7,U0;K%*\^5`@MBJ`"1RJKHNV@&^
M8B!7+5=%4#*>H@(\_P".;2DXM*I,T-:%&[!2/(1PJD_`RQFIY5NU4.L@!2%!
M1VM#FD6ZA`Y$`*J')?7D>,&!9GTO)3#WS0CF2Z;183MFQ$#J1[85C)?4F<.^
M4RNU3^V7R444`%#<AR!.<RA!SEI0>1WR?;[>23+2-BJ\K*O((SENXL#9N\1B
M$JJJUCA\DD(YN1P5VWE04*9)(R15#`98?%02F-F.[L25FM4\44+=/J?$Z>%F
MW8-O;32`ZA#+"41/[:2J:9`\A*DD3WBE4,;@H\AP42_`0YSB3NZ'1IG76XC.
M/EI/#B`3/QR;DH`;@.?S#_NS6Y>?X5A3$@(F!+R\P$XB(^O^(_QS5.V[>+QJ
M;+<_+;;XHYRD\Q-P/'XYK-K?GX+"A^G2(4`\O(0'^/Y?XC@U7+;MTKQ/TAR%
MY`>`$2@`<\?'UY]?](8-9Z,/LW$\-#;.#GD?[ONN1_/_`-S*EG8Z;^E+_+X(
MI;KYUW';UG1*PP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#H(^_0)@H'6X0$`#]^WGRY#GY?VS&
M\_X95W64>\M[7.7<>;D`#DG@?GGQ$#<?`1'T_'\,YMR[Y;I2I;+L@(B9,#B/
MKR!3B'!!$O'H)N?3XYA]0N0+JF;Y?QXY$!_`!_P_,,T7):Y:D;H67-:DRRR\
M"VF7U:?+L4)$U:F0F$8YRL\0:/$U&3R+?B\.Q7;N0*UCGZJJ)BF_HKD*IP;Q
MXSI],OJW=4:5.?U:Q7I=^W)U>%.PZ7M_OH:(M+YI6[?<9`(X7B7Z89VW"+-)
MDE'9EV:RL;..',BV03,5'_J&R;DH>AP'XYZG<S4XZT<;IVVW+MPEY=;6E4EJ
M6/!X=YG?3RU.#75ZR570:R"J*P%;,V(E:**HN"G<-6JH%]HJ7)1Y$GF8H>AC
M\CQGF.KVM6T4J\&>_P#3:4=VHNB:._&BK@<D8=R!%$W/@@58RG@DF""`G-Y&
M2`PD+YAXCZ^O/KGS2_8TR<JU/M^SNULPMIY(GAI)%731+[8B+8H)*@D(G34.
M8I/$J8G,3DA"B``/(C^(AG$N?J/O.QM;UN,],I>(R\$DVK=N+A$HF=+)@9'E
M+DH''^0%RB;D2CQ_NCF!UM2W"4(X)85,_B4G1TD54`X,54I2A[RH"9,I^!;I
MJ'.<"B(`'J`?#.A%>!=R*4H6XR:G14;)8:R,JB4RCQL5K_3.44S+J*))"<O/
M*I"(I^8'(7@H#\`'GD<NJW-Q7B7N.9?L6[C=&DC)7$B=M&$4$#BMPJDFD110
MR9BG`RI"F2,/`D^(!\/4>,>7/^XY,K=M7O)ICS(X>R$DZ1*HHBL*/GX.$53%
M`@&$`]D055,!"I'#@!*`<$^&;N!V:[2.$)I,CJ>;`+DWNJ-4CCR86XF$R/B?
MU,3W2E,`')QZ\#^.<XMV;JMJE#"Y$8Y%NZ4(B'O$(`>R@F<2<<?*8#``B8RH
M\_Z0S4KDJTTLVZH\R*I/Z9RFH9%L"*;@B8F;G`Y!Y,;CW!4.`&*<IOAQF_3)
M=QK2E7YZD5R:$@FY$"D639J*F_HD4!8A42E`A>1'YP#DHB(@`Y"56ES-C551
MY$:WAK]*U,0XD(Z55;@?P!0"`H(`0%"E5*02D$G\P@(^OKEF%EPDI5R9S]Q<
MC;3CFS6R^F)((E;JK&#Z4JOB*8""B#@A_0>3<@8IN/3CCC+MN?YB>6)P]W:>
MX@U%T;5#JA[.UT\.[55(B4&\@*KE510.1.N`@!R@(<%\`4#R`>/4W.>XZ7<<
MH)5JCY?ZBV*\U.%%ISPSX&BB2JGNC[2PMS@`)BIR'"A.`\"J<B!>2"(<#^&=
MEGE+MEPMN521(F?EF8HF=J&=*(%,#=-9$K@QES`'M)BJUY5!$Y`_WC``\_QR
M"F9%&STG*J-DSR1H")2,B9ZN!#L8]#_?$`0:$]OWOE$Q>>1`/3C@?7;8_4]C
M,9R48U9V3=/G\(]V9".54Y.:CU`(K!I(3E=03=&23>MFRL?%.'KV64<(N0.4
M6WBT543(<0-Z\!9O-1A5JJ.-O(7))3@Z2JCN;,)SOES*KK**")SJ).02*NFJ
M(E!0503.H451,'S>(^`&Y```,\SO91?RJF)U-E*6C3)>*F9\K'`Q1(`<&*;G
MG\`$!Y*(A^/D'KE.W/RY5I4O'#\WJ(AQR///X#\?P_#)NW5<225`5!$U"?,)
M1\1`.3?^'\N?\<BW;UMFRU<\MO"M3F``'X^(_P"`@;_Z&3<M^73&M2;MSS*8
M4H4A#@4#<ASS\/X?'_;FHU'HM^S2;RT)L[X_+N!T'J//_P`AE1SL=-_2E_E\
M$4MS\Z[CM^SHE88`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!T#_`'Z.0U_UNXYX_?EYY``Y$P?M
MF-'@/4/41#*NZR7>6MK\S[CS;)+%]PH&`Y1*('`!+ZCP/X``C\1#./N/G7<7
M"X^_R0PB7U#D!`#\EY]/Y3>/J'`_EF@W6[.N.JM"X,S>0`'Y`)OCS\?3C_1D
MEJ$-$=.9DD2M)-7J3N)<%:R+85`9.S-0>`U75242*L++S3!\!?<$?:,(@?X<
M#SP-O;2C:G&XWBWD4M[:EN;-W;K!-+'V<CJ6[4,W*L38R7.J5R%O#"Q@Q9;.
MA:^VB?W1"@[4(5#Z5Z/ZNU4:I\^3IJ8X>(>V?P^7/7U5RRVLDCR]MW+%VWMI
M2;MRPIE2G\\R%^JECB3;L@(=C'@W<N8)VB0G*KCW5(PY5`!FD8XF9-C-2F$2
MB!?(XB(\^F<'J,M?3;EW+RHM]^)[;TS:C<ZCH3<(TJJXY>X]*=#K9G,*R.*)
MT"$:`NH*H%((>:@`"8`!A+[BB8\AQZCGSC<>)Z>[[54^R].4Y0BVZ.GQ)`D7
M$@W\A^G4C&28)$:BW)P<J9"$*('!0OS!Y&YXX`0'\<\U?U0O2BE5)L]3L[-B
MXUI\5[BLL0TGG"A$T7*HN#$/_2%8Q/<(7GD%S`!0(0@J`/H)@$.<V6+/G.E:
M'926V:D\^7+L)NK%HCTB))*-$A]L2$5_ZGR`/,G"8E\##R)C<"`@`\9>5N4?
M#RP./U*M^+\F5),D%"V,7:JY".!42*4`.)C$!8HB4"^115`04_'D/00`,W>?
M14H4X[6>E5FZTY?U+T\M+)K&E9$\7:RB($.OYD4#S*83`)2E`W@;Q$`'U]0R
MRN93E"7G^;Q6!&$C?"-T31[,2H*%(J<XJ<*`F83`93Q`YCIE``$.`\><BU+S
M.PN?1QSJR)96\-EE11>/"'3.X*L+E90R7MBF;R/\A."&*7T``]`'G-'T_;]A
MNLWG<3U+2Z<SA/<H#VU",Y:/\SE$Q^%T$1,0?G$BGDL;YPX]!^`9M\I+'2BC
M+=*P].Z>B3RIXOY&"OK/6EW217#U!<ROF<5D7)0,D40$J8_.4HCP/X``@/X#
MD2NIIK1FN?\`0L*[I:=<B/+3(-TRK(-'J1%0*FX)YB(**)#X"F*2@"'SAY#E
M>$9*2?:="-^-VV\:8=YK]>KD$J1`I_)P0%468NT^`]DP*%`Q#K`4?(Z9PY#T
M]<N',N;?4];N8+L_J0S9#MA66*=0#*(\^9BB(A[/`@"GGQP;W3AP'IZ#D/+`
MJN>BXDE6-<S3GL'5D[9#3"YDQ-^AQ'LME%1(4H.'`G4$/'R$3"4>!\BAR!"B
M(^F>@Z9O7MW%M52[?8>4ZYL([F,Y:M.'*O;V'4(Z8BT=+)/`40<)'``.(&(F
M/AY$4*8IP*)@/SR7\OX\Y[>,XSMJ:>+X'RRY.4_,M2CITO/GB5[)5=)+P%%^
M5,3'`WLJJ-3@<X%X#E$XBJB;QX$O(`(#SZ\9*571E16ZX51*E(K4C.+%%3V$
M$_J"JH!(.4`1641'WBIEC3F4%PEXEXX,)0.(<?B.5Y[VSMI5JFZT]YLVW2.I
M=4E&S:MRC)S6.:HG[#L'ZKUN8K6UX284B23$S9!,R0&#CXTY81PU4;JH+.4W
MB2T>B@('%-RD9,$A0-\BGNB/.RSOX;VW<451P=,ZU+/J/H=SI5W;W+LO%<C+
MPTI333&M<3NOCV`Q[)DV<*%5DDFYB29DD3(H)O?=-[B2!3E*<$DP#@`-R8`^
M(B.<?=Y^TI6XQ5NJ6)S"'M")_P";R$0X^''(\_'U^'&4C(^`<<G$?#X`!>/+
M\N?7^7`*H/4/\0^&;+=SRVW2H.#WR@(@(`'KZ>OQX_T9-RYYE,*4!97#TP^Y
MXCR'(`(!Z%#GGU*''ISFH'HY^S`<RF@]IF,/QW(Z_P!'_N33\['3?TI?Y?!%
M+<_.NX[A\Z)6&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`=`'W[Q$*#UJ``YYO]Y#X\>G[9C.?4
M/AZ95W7RKO+6US?<>;+W/`Y2@`"`B`\^1A^(\?[PF'\,YMRTINM:%TK"CZB(
M@(`8/'_1^8?G\<K3AHEI+=CY/:7UH"9B&`>>`(`E,(>I!Y`>>/@(Y@;R[I+E
M`I2E.<!*8IRG(`B8IB&`Y!`"\CZ&*&8M-M.M*,RBXI--5J:I=N:?;K[1[&]A
MH)G:'8MSOW;-(K@)!K[2Q7+E]'LT'30JSGE$!5$Q5SJ)G/Z"8,]1T[>J=EVK
MBIA@ZYGF.H;!PW%J_;;EB\*95.JOIJ06G9Z@I/N4Q7EY^-<I``@LD#F+?)E2
M%)4/,H_4`4#%X\B<<<<Y5WT/_P"MO6O[XT[L:GJNB686NJV4IX*.+ISQ/6_4
MGSNM5*,4CTD'CUA'IJ^XN1$4E2"`E4%8%O%(1;`/H`>OI_#/G-Y2IK2_A8'V
M'93A"[HN/3;7',A&\]B(")<_4V*3;@5OY%(B14GTQ"\^!S@DD/@40,/(EYY_
MAG+E;<Y.36+.T^HK9NNVLSERDOQ=IK?*=IZT@J8T<87I9`XF%<QC%\RB</$B
M?F!?E$!YX\N0#XYOL[50\=<\:4*]WKT;J\<9J;S[R0JOV!8/OIRM4?:$QBG7
M.9R0Z2G''SIB(`8%$0'@`_+TR\M.5#9L]ZW+%5CPJS8VJ[`0DDSN_KB%%'^<
MQ5$P%-4YN!\@Y\S^\`ASP'(93E83;QXE_P`V%W]#&7+(D)E:G"XNO9>`!4^3
M``"GXJ<AQ_2,H9,3&],WI8&6E<5B1Y=;2W21=*I.C-W2!4E"KF!!,#%$/-=,
MZGCX'$I?X^G^G,]K97,TW;WE+*IHKLK<3X%W#;WR,R&05#@#`91P80$I3`<H
M>291`/4O\0RS]*O[BAO+SDO"M-2#*\>\[+F!AZ`:5?RJYT43JM3+_3QY!-P<
M#+E*!$4#_$_D83#Q^&6Y6K5'C5T.)#S$UJQ5<WB;P4_I7L%>)6D-A;7D$%N$
M%2Q;$6!G`"W5(HF@F^]D52-D^`*(`/X_$1'*\+>V4'+<>;!I?VI_$2W-QWW:
MV])Q3SJT_=0_;A0I.LL%05MBLTDT,H`#*"D!R`@8OB0BZ29`$Y`$``/3U^.<
M^[=@O^G6I>X[4([BU9BVJ*6=<'B:/;%N;RN>U_UGTZ2ZOO&*86Z*IP2,<IW)
MV_H50A>0]2AR(!\<RMQE.-7@5]S<E;32Y%GJUC;V%K*3SL13C?%5!%-10$P>
M.A+R1-N;YP.8#$]?]X!')<,,RM:WK2\N44V^-3$+&T4EG2,<L"2*`I`\<BN(
MD2(NY\2"*_)@2*V;MC!P4?G4\1X+\!RS9E_Z>2?'[2KO+?G6I)NB9UO]FZ<$
M9*)2D:U\V#DZX@Z;D3(@OP;A,Y$"%`4BG*0?Q\AX$1^.>SZ7?5^WBZ*"]Y\X
MZWL%8O)0KIEFR/M*T:/LE@AY6\*E9:V0D@2F3BH=F+Y5-N8P,$"E:.%%"J'`
MOF8O''X#SFW=[]6(-I5??0Y_3.ERWMU*Y%RMJ6*R^TWLD(2KEATD:[#M8J$:
M/V7T1&(&-R'U")"F,=0H+^!RCQYG$?00_'G/";S=7KNY5Q.E7E4^W[+80V<[
M%K:M1AA7!?>;6=<+"6NRD:Q3:IMG$S)2Y8P'#<ID9!520.V;I*+!\J:)FQS`
M8!Y./`>!BB'.=_T[YD?/G.K5?O/#?NA8M?\`*/5^;6?`['#/4W9TS)L`8G\0
M!T0KI9P47`CRIX`L1,Y4BGY\`$#"`?$P_'.E<?G7-+PH?-%;4+*=>1]*K`5/
M@WH!/Q_/Q`0_T<YIN6E;5:F!P$,`F`X_#^8`'\1'U*/^C,;</,=,@<ZRX>/)
M_3@?]8C\?P],F[:\M)IU!9WJY4P`2!Y<`(CSZ<<@7TS4"W)+>YY<@!>./Q^/
M//\`LP#TC?96_P#I`;4_^;*[_P#E)I^=CIOZ4O\`+X(I;GYUW'<AG1*PP!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P#S\_?W5*EKWK7Y>7(WZ]@7@.>!"KQOJ/\`#*NZR1:VN;[C
MS3(*"(^)S`!O=$OD`AZ!Y`!3!_H]<YERZ[<J4X%PO)#B')1'R$Q/$@_^``Y\
MC_ER&8*/G>-X/(W0NN$:)%P25.!03X'UY`Q_7DQ1X]!#X<!FFY'1+29_4/DB
MY-CB')./00^/_;_Z,Q-]N6N.IE\:B#=4#E`OD0?(%#@(@!@#Y!$`]!X'CT'T
M'\<S4Y+3I=-)+C%NLE4T&O&HX2K=Q-:7^"CBQZMKL]??OVS-!,2+SCU5:-7D
MF*0$%LT!TNY'S2`#^/@8X\>@YTKV\M[JTMK#]><77LIR[UB6MML+UNU+JE7Y
M"FL>6E)R]RQ7-G<+:[=^DT1Q4TTER/T!%D"2(&(LY^L=`B]\E@^5%@D*8*%+
MR!E#`;G/*K;7I6Y6I12<,.\]CL]W+<=24G+_`)*XDUV8*GO^)'L15-/MH="3
MV3'P9(9,GBZD[>M'(MW"IBC[@M?=.GP*PCP4B0B<WP`HCZ9R[T;EF&N453O/
M<?1QO14;;EE_<TCZEJ[T<3KR+IM5R(IJJ)MB.TY$T*BY73]$U6B,\_CWJZ94
M^.3IH^)?S',;6N24YQ<8/&N>'<<O=;>]LXUN74DI-4P;2[^)J=L'7FI$4CR>
MN+C;Z&HL8H,FTVP<2E=?G44X*HD_4(JV2;GY``.5?X>H9NC;<W2U5]^!T+$;
MT$I6]$M232;\4E3!JF&.99J->-B5*;CZU;&J!B22J:$7-0ZI7\19542"044'
M@*"FU?%2#T2,(&$0'-+ACCF;G>M3=-NY1NY/L?%>\[&Z1'NIEJ@<43M3N2>9
MCKE%4J:8!R!3@"A$TS"'Q^?G*;W#3R.JIW**J61%NXV;UM%/6[,[99=),Y?0
MR:*:IA#CYO$HF]W@W("(\>F7;5QVL4JFJY"=S-4.J.\GL#R[PU56CGSU61?&
M15,@Z3,D=1$#',F+DW)$6P(E$YS^(B'`AQZ98>ZCV%#=VYJF&1NIJJ@[&?/(
M'6]11G2/K&L'T"C9-Y4J-!I![1EGSZ79-T):=4`HF$OL&.9<_P#+P&:(W&Y*
M+;2;1C>\NQL[N\3@_)MJ37;G3M1@O:ZD=MM#W-Q!5?<MQE?*0I\JR0;R3:$A
MYRLK_4!:T(UW98Z<(,LS<`1-N*XB5+Q$QRF\@*'K-ETOIDL+TIS3>;9\HWOK
MCK$+MR[9C;MP<7I>GC1TKR7-K%+$A4NX^VSF$FYBUM8>]UF-=I-4BK1S9G,2
M+4>53HMY.(;L6$F[8B!"+F^G2!4XF$.>.,T]2Z;TVS*EBXUV41Z?TUZMW75+
M$;/4+#N34:NY%O2GV5S1$<\_5VRV4?!'2L7+L!]EXUFC`R(Q%3GQ!D!B^#IN
MI[?!A#U*`?#\^-JMPEY$<5+"O>>DO2W&X3G""\NF+Q))U_6%891(CDQ)",AF
M:"I$F'M)Q_ZZ\*F99J1X[_I?5)IF`%3IE,8!^`95O>7:XMHK6;;=R.K*I<;/
M&29V8)K&38H*KNWRJ2!`%VHY6YX111.8[UXY$GR@)@#\^`#TS3;N0N24+==;
MR-UZQ>E5>&.WIC)\..7V&MM[US,7+ZM%9LZC8*,14DEV;A,I7C((I$%B$5`Y
M!7(K)(G'D@!Z\B(\`'.=[IDK]B?E./@E7'E15/,]5GLKVVCJN0=UNB2KP[SX
MK]%K3O7$I&K\-W[6/(\8?3E%(C=$14<%37#W#<D7`#`42F/P)"E'C,W.6YE*
M,L*5^P[70]I;V5JW2*GKK6N&GE0HJ6JD%6D'+U5RX,*39L1(RBA4Q.9RF*2I
M2F$">29@Y]2\^F<5*+N.[+\/#FSUL?R-Q&2\7$VTU6WBE-FZ_A02<%G(V*?3
M[%R!A<M&3!-;P?"[8*HK(\%,E[A%1.3Q,8`$!Y#/5]%2_P!ON7I^&<IK#WGR
M/]S)S?7-OM88QA:E)]CE2B.Q%--5$"K&>)/!<IHJE63'YQ3+YD(1P00*9-8G
M'J`!XB`\@80$,M:(*6J+JSPVN;CHDDD<BK@#%$O'S#_-S_$!Y'_7FG<?*N\R
MMPUNCY%,"AO@/S?D&:+<_+=4;OIUS9]F4$/Q$WQ]!-R`?X!^&3<N.YF/IUS+
M>Y.8%/CY"'IZ_P`H&X]?3X&`0X]<U&J[;5NE'6I18-1Z5/LI_P#UOVU/_FS.
M_P#Y2*=G8Z;^E+_+X(I;GYUW'<GG1*PP!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#SY_?\`#`37
MO6@1^'[_`+WS^?'[7C.>/X\90WTW",:<V7]A!3E)/DCS1('2Y]PIA`2CQXG\
M>?3@W\OX@/.<Y15_Q2P:PP+EV"@Z+D7!%4!Y5`#>/)0$/(``>1^8?$?7T_AB
M4G9>B.*SQ-1?T%P.!0*'IZ<\_$,T3FYNK!<T!^8G'K_-_P!QLU.5'0NV/TR[
M)G$1.<?@/C\@_P`H\>GX_',XNJJ;BE?UV*L3PDBNQ.YDZS%+3D:*9A0%L^B'
MR#I,Z#A,QG";A(BQC#X@`"3T'CGG*NXG':WH;B+_`#&J'L?3=C_<^C]0Z7=P
M22N0:SPS7*DLF;87^(3EH>;D6X)K/1*"_+=,6RBH'(FJV=QP@BF)Q(4X&5#Q
M$0-R`\_S#2E>E&<_&_$^PLV=G=6V4%'3HFDJ<L,#JK@Z1LS;V[SM;U]8:G1D
MZV"8,,B"CV-KR)_I4&=;24,5`BRYO(SE9LF"A$S"/D(\9JV3L^>UN).5NO$]
M5N8=6W.RE'9Q4;\%19XX<?Z$D;AZ`+3UT*IK)A,R$5*3T#;XB1@3Q\ZZ;K0*
M_P!2:MS#6S"[_P#9?/D)O,#(K>0"J4P^F>@L[S8;6>K;6K:E7-NM>VCP/E^Z
MZ-ZMN;K5N/.;FL4OE3?]O'#M)UKG66HUFF3#2:</:O=)2:/+(GC)0J\9%($0
M(BHQ7C4U!AE#*JE,JLFBFFD03^)>`#.=U3?[&^FZ^7<XN-%CQ/;^D>@=<V,Z
M=2NW'MN3HW3AB\5[!7^O.NW30LS-RZU@=Q3S]6CGK%=2%53E62H_3KC$H.1:
MN&_N>O)0`>2_-R`B&<'5E3%'O-UL+=J\H6HT4EGQ-TM+O2-DA._%,$`340]K
MY_<6%,IDRE323`YE"B)P\AXX_/TRL[$6\V=6=J4=MYMI:II<2&-U.#.G[YJV
M3.T3475('LI@<@`GY#S\Q2@7Y2?ZQS=0*U+DB+=9:SJ!)M>=EV#2P23IL=JF
ML"7DHT(0$S"DFJ;D#F$!,!REX$?7URAJES*-ZS.\J25,#89"1=0$JV5$4R-V
MYS#&D7*JDNR;I&!5)NR3.L!D$$O#T`A@*`"(@`9NC?G58+,M1V73+FUC&]:C
M&XK:C*.-)4_%+M^PSZX;2)<8".BIVKUR;9LW:+Y`[EB#M=`R0J`*2:[E1T=-
M`PGY,4@E`1*'.=6WO;UI849Y=>G.DW-W*=VTGMWE&F'<:OWAZ]G2)QT&S9Q3
M,P@W.B#!JV2%`O/]-N@1,H?/YB/R%#GGD1_'*VXOW;TO,DW58T.SM>F[#9;=
M[>U9AY5:I9:>ZF:[S"V?6]B=!5W)F78HKK%\V[?]/,"A?$3"LH18JYA64$OS
M`!>"CZ<CE&6XFY>8\UB9NS"YX%X8O!T+/:*3#4N$9!%M'2SUL*Y$5B"S>+E,
MJ!C>TU;$1,HV,)>!#V0#DWIQF*W"NW5JYY%&]MK5EUQ<40U7!KR\T,E,2T)*
M$`PD60D7\M$NFKHOS*^;\6":;669F'DI#<(B(@!QX#.YLU9M78WY)4B_Z'B^
MISZCN+#^DEIC)M>S'*N'`Y&E.;2^R'"Z360EJRZ;/V:\I(%<'DC-Y9!=LJX6
M)Y+`5=)LH"@*B!03(4O'`F$H>JLUNP=V"CHH^\\GN-QIZ;#;;B4?J'-8M)9-
M/-=QIG:Z[)UF%_;QDT$)V.;/ZV\*N)B`"C==1)%4Q4DS&5]]-,#I>@%,!^>1
M`<\Y]1/;7I^>J1=:'T?I-^S>V\5;JVTJM?*J?S,2K%7^FB_VJ=01>.I%D]F/
M<3,!&+-DD=RZ7#G@Y`.)BAR4`'DP`(^F480G>LSNY6TZ_;@=JU=E>W:MRCX=
M+3IG3L[3?#K72CD>6/9"I`31LC)C6HXOSJ+JPT0HX?&>$,H<Q0*Y>NO`13*`
M""``/QSU%B;6QMJ."EB_8?)/6-Z.X]3[MN,O`K=OL4HIZE[FC;02F*'`E^'`
M`/'``''\I?@`!_#,HW)1=3R\K<9*F1P'+\P&_$0XX_AZ>O\`V9,[KFJ,U./D
M+5'&N!\I'`3'`0$`#\P$"CP/X\_'%J"FVF8_42Y(_1XY'_$<W>1'FQ]1+DBB
M<>)C>7F41Y$!``$.!#CT'G\?7-5VVH4H2OS_`)L*<BEX'\A_U#FDUW;:MTIQ
M/2G]E0..OVU.?_[S._\`Y2*=G8Z;^E+_`"^".;N?G7<=R>=$K#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`//7_`)@3G^WG6;U$`_?]]'_'BK1G`#_CE'>VU.,:\&7=E-PE*E,C
MS,(JE.?@X\&,(>(%*(AR`!Z"/KQY?A_'*D(*"HBY.;FZLN2!E!,)`\1*'J/Q
M\N?Q#X\9C.U&;U.I@7]J90`$#$X`2^@B`A^0?GE6Y!0E19%BW:C..IMU*Y)4
MY%""7UX'T+\0'D!_+U_'*T_F+,(J$=*R,A05,<O!B<?`0,`@`#ZB(AXB(CZ#
MA3:5$9&9T]X@RF2.')43D61>,1*/^Z239GCU5!3^8IU/;5X]>/0`_+*/4;*G
M;5UMIK^9[+T+NX0ZVMO=IY-VW*V^=:5C[6WB3E7I1U-5U@V=J*-FS8I(E9=T
M45EVKN-3!NJV9-4!!XHL8@`83"8I#<AZCGGY7HU=7B>\C;?FW+4XI+75=ZHO
MO/B:U2R04-*L77O29`370%1RS;OP3./`@9JV4$Z2AB@/N%$XF#@`_/-<I6YY
MRDNX[EO>RC;BG!1FEC1,MS!O8V/FD0CU/R3*W(DF8P`H4#&$3AX"<A?(?3GT
M$0#US'SYQ\*=8KF7UOE+3-UU12X(NI*%:)?Q\VJ"21S^0"81211X3,*Z[I01
M]/'GGY2B!A`/4,QN3=U4DD1/?[>;;G6OL_D?$E!1%40.3WR.WBQ"JKJHE]L@
MD$`)Q[8B)2D.(^0>/'\>><N1^5=PC>N[J:FXQ265*Y<*XG/1'KM1X!6[DA$4
M$SK^VKS]08$SB!R&!(!$2#R`>GP^(YD=>QYMG9MI)X\3`=H+`69=H"(H@#XS
MA3S,*@%(HER"(&#Y3<B?_3R&00O,^G\[2JE#3GWL*$(@!BJ`H4B:8<)D((G]
M3)DX#D!*`^0_X9I^GAS96457(VF8-CR;)C^NQ["3^G(8S=19N113P\TP(E_(
M82E`BP@)AX$>?CQAV8K&KJBEN[-F5YW%*2;X5PQ+PAJ&M2I7(QQW[=+U<*,&
MBYRH-#'Y.)4">13^VLH40``/Z"`^H>F:_J)O@BK>:AIM?A36/$MIM65:#(X6
M.R:NW"Q%E$GK@SE?P;H&`2F2*[6<%+Y#R`AP`@(?CD.])JC2+:@[B_+Q1'EI
M>QC)D@JDDF0K1-(QS>P4"F!=,Q#&,HD4I$_,!`2@(<_X96N*MN7<3&PHR4I5
MTHTDV+*E>JJJIK&*D].LBY*01652*GRJ1R0H&]WW6Q0Y'@0$0'G\,IV%IO1D
MVZ)E";2W#=]>!/#M[R-H.4"2DB.9U5G*@FJ5"04=JD9OO=(D5--RY!NV]H_U
M+=/V#'4*N5<WB)P`1\L]?L;MG5'S/D/)=5L3I3;523;7\>TW9HU:2C&X7>`_
M2)J);H(+?I:Y48U-!4$_<592!6K9)LY:F0(8ICF3#DY`,4_(AGK=O&VXJ4)2
M5KDLCY7OKL9W?H=Y#\VOA[7VFL_:[6<4ZV!7-A(E*DRE4%FTHW*NBH1Y+LR-
MBHJ$3]PQ2D%J8PIJ>`$.4`\2AP(!R^NP5N[&]"*<$J8Y8JAZWT5N;EJW?LW6
MZ0:TQ7%-TQ[D8S0H2,D(VS0DY&D)!7>&6@I-S^FHNWL3)%;F/!6.+<>R*R3V
M+DC$'@A@*LW.HF?DI_3S=J:@W&3?ER>*[SZ-U'I]RULGO]E<E'<PI-+#&G!X
M9/B;"UT&#2#CXYDDDV_1FB$2+<J94P(=HBF53Q*($5`QS?,<>``QA_'/3PNV
MU"W8MUHH\3\_/=[B[N+BW,I3O79.4F^:>?VT[D7@P^8B4_RD#U*;X<C^'J/(
M#R`YL-A2J_B(>OC\I?X@`^G^.#"<%-:7E4X`$>`Y_AF<)N#JC7]/#F_X]A^>
MX3D0^''^\80*`_P`H^OIFSSY<D/IX<V6U0?(0X]>.>>/7D?_`!#Q^(YKG<<Z
M5I@9PMJ&5<2I;&_G\BE_W>.0$/\`Q<\<CF`G;C<I6N!Z2OLK?_6_[4_^;*[_
M`/E(I^=?IWZ4O\O@CD;Z"A<27]OQ.Y'.B41@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'GK_P`P
M&(?V]ZS`80`HW^^\CSQ\*O&?[<Y^_FX1BUS9T-A",Y2U<$CS*)BB4Q3!Y'$I
M@'Y1`?Q#@/A^.5+4W.-7S+=V"A*BRH74BB:?N"!OFY'\?C\!Y)_KXS"Y<E"6
ME4I0SM6HSC5UK4KRNA$2``J%*)0\C^O)1]./4.!]0RO*3FZO,L1BH*BR+@W5
M/QSZ<A_*(<<F_/X<<CQ_IS6XINIF9$S6$"D+Y%'CRYY^(<\CZ^H?GFJ22E19
M$E[\N&Q_!82*'(("(>(B3D1`#``@''C\?4>/3US"Y!7K4HSRBL*%WI\Y;+=P
MW=B2E>A.%Q1_U)TH^QK-?:3)^N$@)M1!BLE)%-!UI994?,BAWJ<<V(_=LO'D
M"`,@500`P<AX@`B'KG@]Y'1=DXMUJ?<W!RNV[]V.G6E)KMEB_M>'82?3YIH<
MCEZDL1P5J3VN4A.7^JIRJ4Q?:$3J+$$.1$WQX_CE.,Y-)U._^6[L8*,7!^\G
M.M@WD5FK5$5%UG0"HOYK*G`OA[9E"F47,)!$I0Y,'(`'(`'/'KT(8P7<1NH0
MLRDH)43,X?(-R-'"2JS,"F(1$J1B$-ZJ*&!81*(`)R`F0Q1+_NB'.39?F3TR
MRK0YU+3Q<'5FEFRGJ"$@O[KUN']+@#BF4AS(%(5%-+VRF+X`D4@<?Z\NUNK!
M+#N+<-W:LWHVHQ>EI'[JJ(!^X^E;JIB8$5@2.NO[0N3`0YA1(<>?ZRYAX`.!
M\AX^&65%4.Y<W=JWLGIB_:8#MALX:.UE'9?%T@)0X*!A(8XH`F4H`(^8"(E]
M1$1#D`XQI1L5Q_0\*D%4&W2#R\JL$FIW:,$W7=*JIBH8J1P33`#J"8`]\1$P
M@F'XCDZ4<2_=E;MI0I]1]GN-V:EO6*?3!H%9F8CP[`44BK-CLE1.`("*J!E2
ME2=IBFGZ^``/KZ9K=NYI?<5I[:Y-IRDL#9NM6Q(")KMQ^I2(@1DLB*HE44$@
MI*@8?:`IA3]U#X^0#XF'GD!SFK[2EN(W97$GDVBQ6!PE*-7!"$'R\#$(HB0X
M^JRGN(@0IA(!B$`!]1$.1Y_PPZTPS.OLY+;-06-MO&O(U8OYG+1I]$[24<D6
M$R8>V($`Z:1?<(FH`>0%."9O0?7US52[+PRII9;W=V,K<HV?E:S-'K@HF@]=
MF,3Z-%X<"-$S*@HK]24QA(<IA$"`94?E'X@//&83LQC!R5:HX-^*W$4IU6GD
M1@P4>Q@JNO\`US8J?@N4H'`[MHX,9-0%4^>1.F`>''Q#@!`0'US/;7YN:M/Y
M&_:4KVVA&S)QJY4PJ2YK/;$I62.H99?]28NE$T#E=(G*JBT$1$4#N.`2*#YL
M)2")P$X%`2AX\\C[7:;[1MO)5-.%>>9X7K73[5Z7U,X4N0Q37\,S?;<F-AH<
M@JB9(&<61G<XU)H":RC!!JJ8DO')+>Z*[Q=6.>',<A0%-,2`/'(>G5ZDH[C9
MZ8_/IJO9B<CTON)V>N*4H^"3:=5AE@55*G:)"U9NL]/)F7?LD&[4Z2BJ!AE'
M9BGBU@1()%"`FY2]3#ZB`#Z"&>6V$;=S0[GZC;PX8'U'JD+MZW?E&>FS"S)]
ME*??R./5%6>Q47]7)20R3MTJX=N%DP.FB5T\.11<A?JU5Y!V')/517P]1$"E
M`O`9Z>\HQN*,4DM)\"N/3IU)/55Q:SIQJ3`8"'#QY#Y?40*(>G'IZ_'@`YS`
MQ*(X!R("/H!AX]0_#_[0X!;E''MJ&*(`)0YX$/CZ?Z0#CC`*3W#"(CSY<^H<
M^O\`W8)C&4OE52A<G53(`E+XCZ_[P"`_#\`XXP)1E'YE0X"/5"<^(^?/'/CZ
M\<<_D/XX(/2U]D9<R_7O:YS`(<;I=@`#\>/V-31]?](YV.G?I2_R^".-U']6
M/^/Q9W09T#GC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`//1_F!Q(&O.LWGR(#?[\!0`>!$PU:,
M\>/].<SJ7RP[W]QT^F_-/N1YC$C#P(@02_,7T-\>>?E_UCG-C<E!41TIVXS=
M67!,#GX`Q>3"/`%_/\@R)2<W5YDQBH*BR*]-4@&!(.0'DH"!2\E`2A\!-S^&
M8F9=VIQ*8`]!`?YN?7C\A#\L`O!#&()B<"`CX&`?3X<AZA_W9BXINK!>R>Z<
MA`'@$Q\0$P@4>0Y]0]>?4?ASQFJ6&J*R9L5S1%3C1>)*3XTK7,N5RFOT^=K@
M0CCWR.8!-"3$B@`HB_+(/#%26,<`*<PD7`WX<$`/RSQW4[$(79)5S/NCWT=S
ML-O>MR4H*"KSPP-AJ`W;)0*KSP!1TMXE*GZ)"FD"I1%(HI^BH($^4!-\2AR.
M<5*B2.UL[MV\H7(KP4P[B<:],MVK%5N(E,=,%E0,=0")J>14OF*<O`E4(<.`
M\?@.;5>FE14H=&['S6W<S>9@U^VP,<R37<KI1Z+9LH8Y17`14<)&.'CY&$!.
M=1(>1-^(YU[%F$8J:KJ:K[S;&6F*BDJ)<C6A&PM+=6I.UN"IG5DA=&CCG$IE
MR-6BI4D3D#DY2^Z8HC\.#<9=K0BUM9WKOFRT5783;H`473]B1V<I#A[BJ2@^
MX/D"_"950.E\R?TXCY#Q_,(<89T>KR^EV%8*,G3D6/>+%1N[DDG*0'23=%(L
ML8PF^H./EY<%,;A(X\?@/RX*^VW$+FR\9KWJ99C!O[!,.W#5JW<<D%0_ME`6
MJ1@`"^9AY\Q]/7X^GPQQ.9-V[E[SG^IWX>XBO<6XH)6Q5MK6W"*LM$R)C&=-
MW!3'*U54\5#`=(WD`I%'\N.`RVU=>$DJ=QSK\KEEU=Q6Z<\:TX&P%&WW+QBK
M6*M*HM';DJ0Q<R3@&DDW.3R3_J!PD1R4O`"0?4>.?7USG7]K:MND:T[S*UN8
MW\;E-78;(,MLGD2))I/!$X^VF(^V`B8Q2G,`E(4`+R4A3>@^O(_X9J5J"=54
MLO%-,Q2VV,DT*A'BZ)UR^?\`21`A``0#R$Y1]"A\O`#^.3<2T/N,H-QB[:^5
MJAHSM19JW5(!C)KD\_Z!`$/<27,IP7Y@]>>#!G/N?(^XH7YNW*D<B.#/%4DB
MD(IXJJ"0[CW0#V@%3^8R1O@8#E$1'C^4X#QE.+<9)K,KN[-JCI0PJU3CJ-((
M1AG)5CE$%U$U2"DL4@G*V,)U/9,`@0WH8H\@41'T-Z9Z.'AMP:X_^)R=RDYM
M-)HSRCV]Y*P@Q,F[^61(\CWPK.0%HZ-(E3C?;!D140$W]4/$R90.`<F$W`\9
MZ+:W+MZD:JNEKWJAYK=0CM'Y^WA6:DGAG2N)"&LMD)R\A#.9"=0,,4\7C(]-
M!S[K@)`'"C+WGJ9TTR`+(HGY`Y0*4AA$QN>"COVO0H[>/U-YOS(OPXX8]AR>
MO^N(]2MOI&QMRMSG1SEG\N:]IV?0"CH8QJ)EV*C<Z1%2IMF1&_F)_P#XL8Y5
M3!R<OPX#@?B&3>N?G5EDE0\E;VTK=BBJZOCP[B_F.F0!,GQR;T$O/J`#ZC\1
M_`0S#S(OY7B/*N<BB4./E\W`%'U#U#^;Q#D.>?\`PEQYE/FR'E7.3+6L7S,<
M2^I_$PE`/Q*(#Z_ZL.ZG\IG"RZ^-.AQ`4PE#@H^H<`;\"B`?CZYCKD;X05MU
MB4[U-,Q>/0P``\<C^/IS^(9/F2,;T97$J*M"U%)X\@7T$W'S#Z@''YAS^/.-
M;*_DW.3/3#]D(IB]>=K^7'KNEV(<?E^QJ;G;Z6V[,J_W_!'$ZG&4;T5)4>GX
ML[I,Z9S1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@'GA_S!H\:\ZPCR4.-A7T?4>/A5XOX?F.4]
MY",XQU<SI]-^:?<CS&%<<&+P8HCSZ!QSZC^890\BWR.L5B:RI@$0$`$OX\`'
M'\?XY6NQ4)465`7-J8Q0\EA+Q\0,``'Q#T^'KFL%[:<"81Y^(!XB`\<B`CS_
M`-F:I2:=$6+=N,HU>9>$AY$PF+Y>I1*!0`@%'X#R/H`\_'_',=<C9Y-OD9`T
M\3CP/Q)_(43#P`\<CZASSD-U=34K<92E8?Z<G5\_>?CZ+1?2\8<Z/FLJB(+&
M*J/\K83&3*4!``3X+Z^@AS^.>5ZX_+N)Q_%F?1/2=R%N#M-MQ7!NI-$)."P0
M39@DFF*)53`)3>1_ZB9`1*<@>GJ//(_F'Y9Y_P"X^B=/W$]$M-*1RPX!];6\
M:4Z*[[R40*90OFJ4IP%8!.(IDYX\43@`AS^&;K%B5V6/RG:E.UY,;C7YCBF^
M\T/W3M*3N4O^T8%7WI!R*B(D3/[I$4A.4@N1`/4`('/\!ST.VMII0EDE0Y[W
M23HN92W>:M^E=9Q3N)0=6&*C0;LY>*/R5PBW6*;W)9H[\/%(ONF$%$U`\>>!
M+QZYMLI2DU+)/XE&[U.%C&VI5KS*_5'=JC$C&A#/U8660('O(JG$5".!#@@&
M,41*((F'U)^//(#DSVNYL.L_''L1NZ=ZGV%Z+LWDU&OXCBVWW(82[)VC%S:T
MH8QBF4;J$X;D5Y$3K&6$``HEY^7CGGD?RS9M]O.Y\Q3N];V&WV[L6G2[WU--
MI':UNLA1:-IAR6.5$SE1JS$P"!O'R5,H8`^0R8!Z@'QR_P#26%P=>\\U=Z_<
MN8;=8>\_*>S%@HJ]1;K+KK+$(L*RQE7*Q5E>?Z8K"H8W*H_-ZAQ\,WM*C[C'
M;W;FYOZ+[<H]IV)5MDWM&N(>O37H=?YS'.(%%N4ZIP;E15-PLDNB!0]?00_#
M.?.S;G\QV(M6%JCPQ]QA3N5O.EWIDY\K^>I9S^RSM)#*JG9^9N"MY<$"@5%5
M,3@45@+P?@!'@1S6]O:2;HZT+FVZI"]123Q)A97IK-1K=P543D]@1*N!_<$Y
M%"^H@8OJ8!`WIG)OMQP63.EYT*>',A*_*E>I*&(F!A*</3DWN`0.`$X"(!P;
MQ#G^&4;GZ;[BK>2DG)YF)PHJK0XF>%`A6IA04,<0%4R*IU%"'Y$1Y*!DQ'^'
MD&5+:4II/*I3,$L+H#(._>8E%$B9TC>(B111L4IE4U@,<13!=,!]`$.!$./7
M/16O%!5X9'+WCTMM9F$T:;4"<;IN%04:,WS=T(*$`ATUDN'!C&2`@&,F?V@*
M`>0^)R^0<?'+=O=7+33S5<EF<B[%7(2U.CTO'V&T.F^JM$K:Q[G(2K.\KKS#
M^9;G!T)HV+<R3M=U]`#9FH=%R+(5_`?>\S>1?Y/0<];+<WY[>/GPE&;R?"G=
MD?*[<=K:W%R5AU6K&KKC\#<<ZB!42E0+X@4"`4I#CX$(0H$`"CR/R@4`#XYS
M;L(RQEF=?S[?D\L3@_J>O(CP``80\@$0`>>/QY'-,81@ZQS-:NQ?R/$IU5P*
M7X&'DP!_-^7(^GY<\?ZLF24E21.N1Q^^!RJ&`Q?,"@(`'`<<#\/\.<B,(QR,
M6V\RVJ.3%XX$3<B8>`'C@1]1]?RS(@_553J$$"\";\`X`/C_`(_X9KN3<:4,
MX%(H82\>)>>>>?4`XXX_,<U>;,V5/3']D/R'KUM<3?$=TN_\/2C4T!X#\L]'
MT:3EMY-_W_!'F>M_]1#_``^+.Z+.P<48`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!YVO\PH'.N^
ML/QY#85^$..?C^UHOCX?'.?U"<H1CIYLZ?3?FGW(\P9/+U$0$I@]>0#@_'X`
M//`"3G_3G,\ZYS.L5S8PG,!?+@QAX$>/]W_NS1<N3<JL%^;@H=$`4*`&*`@;
MD0X^41`H_*/XAQ\,U:Y%BW;A*-7F7%NX$OB7Y2B7GYOF,!N>?3C@1#@,B;_+
MU_B,HO3=\M?*9"T.!B#[@@/XB'KXCZCQP4?4?P_#-<&Y13>9ODJ.A>VYN1+X
M>GD/(\!QZ!^7/P]`S(Q44I:OQ%R^H\%VP^IC&7%$G```@50OB;YQ]`X#U]1Y
M],XO5]KYL-;]AZCTG?M_7SL7\G&JX8EDE+(,;-NE"**G16("`@4!`""GXE34
M$WEP'GR'IP&>2DG&3CQ1]'Z7<GY,JFO>VME2<>R7$#JI'(18H+*%3!4R9/+R
M$@E-[@^V7DHAQR)OPSK;*-W!KY>XN7MWILQ3STE@ZZ4AW).'UUG5@4DGQB"4
M7`<IHM@%0"HH'`1*0"\^OKZ".=>XO)2E'"3S[SDV[LYSEJ>!N)(M&[I$K)RR
M2?1_C[!D7(>\V?)*D\%TN3?*J!`,(\"'IQSSFJ$G'&.9=W$8Z%@LO@:>[%Z:
M:YE7#N;@5'L!+))JNU(UFX438N@-R*9D!`@BF8Q/3T-\?CQG0VF_FG1M/V(X
M>\Z="XOEIW-K[C2VPZGA(A8S)RTDD5FQO94]Y^\^J=*D.<"^7D/(`(?#\,Z$
M;EF#\.9P-UTR'F^;YDO,+Q`P$>P'VVQ3H`43$,*YP(L7P3`RI/$O)EA4#D!Y
M#@0QA4N6MM*RO`ON9LUK&H,G3@KMX1!%LB;S24(/`',`$/P=)0!$X+>0FX`>
M>?QS7?;@TH\2_L[%Q2\Q?,;-O+I4*X@+5-5(ID@!<?<5(D4?$`*#CVB>Z*8E
M'T`HB`CS\,JE^2W%'6E*&)R&XJC,>U&KNVKU@H)O=3D!3]I;W3`"J)B*"/N`
MJ<`Y'T`0X_+(?RLTPNRMJD:>XQBLQYV\U(H5X%%ZV=9!TP2-QXL$WHN3+-&H
M%%3W&C=P@($\C<@00#TXSS^[;2;6="_M[DY1UM^(RR;BESD<I/2D22*0PBIX
M\@KY)J#P4OH(``E+\<YD;DYR4)/PMEEW)M4;P(M%1)HU**:9B%5.5)PWY-PH
M!/0"F`/3Q7%,/$>``1'X?'-TK<;<7./S(B"3DD\B)IU^<DJNFY2#VQX_F!)0
MQ4R&#R+\P@!U#`/C_#CD`SJ;"3N-1ED<[J,80A*?=]Y'T>NLSL;YRG[;9)!#
MZI83D,8Q3I-7`%`0$2^[Y\B40`O'H/`YW=G8;W=I6/U'./;A7'/L/+=0W%F&
MRNSF],%!MOLIB895]@7IH[=V[5MO<5Z_,/?<2]9,HF,#>V9#\J`O%J%(U4L2
M+8`\3BF`NB#P'BH`";[OO.E;/<[)6]U;K-*-*5B_LH?F6QUB]L-U-79/1=DZ
M.E:RK5?90WRT9VZK>RVK>&MY6U6MH(I`J<HJ$AWI@*"9A(+HI5&;DZA1$4S"
M(!^`A\,\5U+TIN+<'N-GXH)_)QIWYGK=CZDLK<1V74:P<DVI++AF;@E634,"
MB2A%`4*50ITC^XD8G`"4Y#@(D,0P#Z#R/.>-E#\QJ:<)+#0_OKF>O>B%I3M-
M23_&GPY4R*)=<PF4+\IC>0B`"`E`/4?7DH<?CDZ(FKSKG,MPG$/<$H\&$?F`
M!$?3T\N.?C\^-$:&RU.4FU+D4BBAS>@CZ`(\?A_KS"44LBP<PG,(E]P!*4.?
M]X!Y^'Y<#Z97N0E.FDFK60='Y$@$\>>#B'EYAZAQ^(<!FEPE&24N(U2/3-]C
MY45>NVU3"(#QNAT7T)X!Z46F?`.1$?C\1SU'2H1A8DH\9?!'G>LMN_"O]GQ9
MW3YU#CC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`/.]_F$!(&N^L7GSZ[`V!X\#QZA58P>?S]!S
MD]5;4(4YO[CL='C&4YZN2^\\PR($.!OQ'U#D1'X>GIZ_XYQM<CM3LMOP+`YR
M\(_.0@>G^]Y<B'_W(C\,AMO,F%I)4FL2ZMG!?(HF*'!@+R/(\?'U`>,@VI**
MHLB^-O947#@"`(#Y`7R_W1]"\<CZB//PQBUI>0TK5J_$78P\*<%`14+Z%'U`
MOJ'K\WH7X#_KS%))461D7%NX,4X`4WK\!#QY\.0X``'C@W/^GXYN5F<HZED8
M^9:6$OF*R06<IQ;Q<@B4[5$[HJA1_E.F3R$YBD_J"7V?+X?CQG.W;<XSA6?Y
M>=%7MY'3Z+=CMNI1W-U0=F2I&KI\2+Y)?ZJ45*=R;S58$\>#&#WC''U6)Y!X
M'\R$`H_$>0Y#\\\C?C:E>C*"\$\3ZGM+ZMMPP7.A$^SJ#,62#>*QJ9!6104.
MBF90#*'.FGYI?-R?VR&4`?,>`YY]<ZNVO6X3T+*.'N,[FF<G7Y:F`#M>[:V@
MHN/5JDP5JLT;BYD$&1U6R(K>15DR&9&7$W]0/]XH#R/IG6>WC=CJ<L&<[ZAV
MI-0@S-Z=VSHTHA[;VTQX.?$Q!!RY*W.Q<&,!%$P26`ADQ(4!Y`P!R/.5KNRW
M$E2'Y:YK&O+.I>>ZM7(T=Q5I^*B)J9[UUHJ((+W2J.VQD50*@>21,!E!*<54
MTS`;R%/Y0$P?@/H`Y@[/TBK<MO[<>TO0@MVDH3MY<R/KB.I;NU!\C8().33*
M)C'9/R$;%1()E`6'R-SY^`_-SZ?QQYMSF;I[%SM^5.5IWN>!KL2$;%:3+VL0
MDM<8J`34<RTA`L'3QJQ:G4*B(JO2E]D4S'-X\$,;@?RSH^9<X/$Y&\O=-VDH
MQG**<ODQ?C7.7+[#-X1EMJ0/4FT)3D*Y&7#E*(F)UR1-!BR2;&<C(R+-IYOC
M)`V(8Q0)\Z@E``X^&;YV-_.5M2A'&#;Q[#E;GU#TC9V;EFS.4MQ&5*I?PC33
M=%YV1!2`Q["Q1-BE7TK)10-:ZW=N#E6:NCM$!627$%R_5G1$Q`%/@H`/(C\<
MM;+IT96W<W4TFE6CXTQI[3B[KU'U/>);?H>W=RZ\')K*OV&RO6GJ;?+<Y86;
M<,L],:1:(.6<"9=0$&<<F(J&%VR1$A06?F*4A3#\Q0#GC*F\N[*,)*U&DJ<W
MG[ST.TZ7OK6RC=WE]SWTL[=%2/M2X':'!:T@JDF\-'-44&1_;(F@0ZK@J;=,
MAQ*4@K%]U,"&4'Y?CR(CSGB]W<G6E<#N]/L:$H7\61OL%JP0;F./N%*<#>")
M""!5SF`0`?(P\`!>>!#CX\93M/\`,7>;;\(PE2*HC52?>%0*4ARB4Y2'*5-(
MY?,ZA#"<IC@4>`]@QO3T_'.E&*G+3+&+-%7'%9D*33LZLY&M/'W0.J(J?,;^
M0>0\C"8!$5"%^`CZ^F7[$-$XQM8-M'(ZC=2MS\[&WI_\/M(]MMD-"M[++"0J
MRB\@QK\2F94R?"TDL=N1$IQ)YB=-L@NH82AP(!\>><]WZ;VJEUE*ZJPBJKOH
M?*?5.XE'T[=A)^*XG[JXK`UR<6Q:L2WZDS75]A=8ITC$$#@9<GAY)G,)B\)>
M)0]1'DO'(9]AW&Z\JY&5WY&NS/@?&X;:.ZA*RTFXPC*/8VJ-^U&;V9B6TQC/
M:]&,J$E%N2'O$2D)S`=`JJ;8MFCBMPX*)S\)OBF*`$#^J`_$,Q:=R'F6<&:M
MK?L;12Z;O;54TVI.N:RHZU]AM%1>V4]2#1K5VD:3@C((IGCP,*J1%?$HF407
M`RH-?<`0#TY#D/4`]<Y&[Z#M^IM^?2%WA)+&OW%K8=4W^QN.W"3G:2KI>5/O
M^TW\HFX:5L9,BL-(E;R0I$%>&>*I%=$6\@`Z29^0(N;DX>I1]0]0#C/`=5Z%
MO^E7:23N;5NBG%5QY889'M.F=>V74ORE^7N_[7E[V24L!"GX``!0I@,;@WD!
M1,'/'/D(#\<X^F*?S2<N35*?8=O7=M2=FY&*N)5K%U37?B41Q#GT^/(\_P".
M'%/,GS;G,X%#D+P)Q'UYX^/^GX9"BED2[MQYL^#.4S%$HF'@?X#_`*/4/7(E
M"$J:ED/-N<STX?8T$1ZZ[:Y_#=KP`_\`Y$I>=KIOZ4O\O@CB=3E*5Z.K^WXL
M[L,Z)S1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@'G._P`Q`J*6N>KQ@#D?[A[`X_T52+'_`+<Y
M?4[<KD8:>#9V>C3A"=S7R7WGF&0>`*9/,`+Z@?Q+Z@/P]3#^`^F<*Y9O1E1/
M@=];BTLJG*"IU52B`_(/D00*(!SZ_+R(AP)?\,SMP:CX\95*]V\Y3K!X4*\B
MWB0.3<_D`B'P'T#YO3C,W9<L8Y&OZG3A+,NZ#@6Y067$A`)P<HG43*7T#@#"
M;R`>``<UK:WIW*>/3V+#[C-[N,(>9)PT]K+1([+IT04ZDI/M"G^;^@T4^I6#
MQ+R82E2'Q#@`_$0]<Z>WZ1U+<7-%FTG8X2EGVU]ISMUUSIMFWYMV]3LC1Y>\
MB*;[35V.56;P,&]?.`!,$74D<&S8?(H_UQ23$ZHD*<`#CGU$<]/M?2F^<5YT
MHQM]F9Y?=>K-OC/9JXT\I37A?L6)K[9NP6P;&=P5S.+-&:)_>-%1(@Q9$(D8
M%!*J8A@6<$\"^/)C#S^(9Z>QZ<Z?;V$]O)1E?DOF>;?:<7<=<WN^A*<9:+MK
M3):,GCC0V9J.P4YYM%2R`&71*Q0$&PB504%%"F,Z:DY,("LW5.(@(CQ_V9\#
M]1])O]+WL]LX5GYC<7_IX4X'Z;].=1VO4^E6M\GH:48R7^JF-38RJ`E)(E%P
M*(`=,YC$,*9R@"A3%*F!P(!_(2%$1#X\YPLIN25)-XGJFDL%BB4V\&T.FBH,
M<5<$^&Z22B2"I1)X%.8P)'*<$C$.43$-QR!C?'TS9Y]U+YF;I;>#NP6NB:54
M:?;]ZN:RW>DN[/&,*5M%@5(H3\*V;-FEL9<J%06GF*!46BTBR#^DLN0J:R@\
M"<PYZ;I^\\M)Q=)47;]YCU#HG2NHQ4=W*2BO[,_L-+=>ZLN&CG<_KF]T!C>X
M(;+$6&$GHEJB_=1@@L5%\15NN@:1-'*QOF;VR&,05?'@3`/.=#?;F-Z/YF.!
MYQ>BNN=-G=GL:;F"58J#::3RK5YTS.W/05?ZFJZVE723VKL%G$M-+/T;-',:
M\ND1=7WC%)&RA&[D&:29S%`2E$@>(@'PSE:MM_:OX]IYO=;/U5"Y:NQM75<D
M\7C7^1/-$>:/8TP8*DSL2\:I-)14(V&CECE!HU,J"R:*;=$[5R#D.!(;RX6*
M<!#^&?G6:Y&-ST_ZAZE+_F;&XC)M9M<^[#V&FEVA]B[07KBE%A7FMV](D`,Y
MDU'B+IP831CB'%HI&?3"T%BG]4*PH")C&\2_#C+DMY%+5&W2<4Z/'#[3UFQ]
M`;W:W7>ZE.VYN594HZTQH8G$ZPH6K%XJ2;)%LUU%NI^X+=/(ME7Q3%7\B(LS
MF(8B)2%5/\B0%+P`!QSG*GNMQ>DG=FW_`!V4/9;?9;3:N7TUN,-6#IQ3-E-?
MSHO8YQ).$C%D'ZP'`"%!,B22`AP"7B`!\X")^``"^H9S-S.5<\3"Q%*_*W^"
M.2_C$DQNX$8IPN;T]UP8Y"&.45B-A3]L#%()O(3<I\B'Q#.?=6J+D\71BU+\
MZ;EE'$UIV+))MCB8[DJJ!O,"E`HG*4XB/"ACE#^F83!P//X94M87%WE2_N+;
MNI/F::VU\BV!=5(A`43<"=84RB90X'4$_'F`")S"3@>`'X!E[QT\#\9SMUN*
M)PM.DR`3RY2O92:4$QQCFK@!.)^2E=.!]E'S(82^7*A^/7XC_ISTG3=NVE<N
MJK1P^K[FV[/T\J.Y-?::Q;TL$DC(:]K(JN&X+$/;UG`>!4GR[Q\YA6ZB8"8>
M"-`8N"\?R@<YA#CXY]'Z%M96+JO7<;LN/8?'/56[>ZM.Q:;\J$'&G#4LR,[J
M^2"31:(B!DVK4BRA?;\1]Y0/'DI/,2`4H%^("(F'/7=2GX8Z\8T1Y'H^W?E1
MNW%63C1OG3+W&3ZDV$XJ5B\3*+F9R(BS=M_(3I+H*D%-5J=$YP(=%V102&)R
M!1`?3US'8[]QNJU)_EOAV\#7U;9/?QI']:/B3[N'M,OM<LRJTRI%MVXK1ZI4
M9"O^VFMXN(UR)S%;$,<5"'<Q2OFV,'F80X_CG6O[U;5^6XN4I+AR.7M]M'J%
MM752W=M82JZ5?\S[A9BQH/@G2RPU>/0<D.F0#@0X^I"E*)3@!Q4`3E^;CTY'
MCX9"=VY;HVH6'PP;K[35N+,9UA:U3OT[L.QJAV=:8WK/%BFL?95D)>/,"!6S
M\KHJCY-+P\15*)S"*W`B'D`B`%#\`S@=3]-;/?0_*GY>XK6L<WADRUTSKW4.
MF);2<7<LPQDI<%SKG]IMC%VN$G$^8]^D8Z8""P&4('KZB4?B("/IZA_HSQ.^
MZ+U'IT5;E;5S%^+C[3W.PZ[T[J;;L24)I)M2P7L+TMY*D*;@H%#YO+G@/FX^
M4/4>>./^W.2[<X/Q_-RY'5U2DJM14>#7$IRHG,`B'`\<<^OKZ_Z/X9`/3]]C
M=,R?7;;0&XY'=CL?3U_^06EA_P"C.OT[]*7^7P1QNH_K1_Q^+.Z[.B<\8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8!YR_\`,1@(ZXZN`'Q_N)L`>?AQQ5(OU^`_#*&^\SP.WFF\
M.9UNDQDY7&M.E15:]YY93/6;0ACO'R#<.#>)5%2\B(<^GAZG$3?AZ946SWV]
MO+3:E'"F"P]O:6MUN]KM5YL[MMP7!/$QN0V-"QPD(T!5V;GA3P\4RAXAQ\GG
MZB)@#X^@``9Z#:^D>H7)*=]Q6W?%9G!O>L.ER@UMHM[A/)Y$:2NWYY1(2Q_T
MC$A%%!`R8`=<4@]"\K*?^K$>?3@/PST-CTQTG;R4W<N3C_:\JG!O^I.J;B+A
M&U;A)_BXT(7LM]EG2)SN)-T[4\S&`7+DY@)Q_ND(!Q*!>?R_#.]8VFPA#_E[
M48V^U'#O[C?[A.U>NRE<[^'!&"N[41!`SE5<JSA?@K=$3F^(A[@F$O`@8J(%
M]`'T_$<QNI*>E*BY%?;;.[;G2;>HP)W:/+R6)R)N%"$*=?R`XG`H"=8?4#`!
M^./3CG\,S5V%BTI15+G,Z*VLKMW3<QAR,4DK6^(W*W#Q(8/4P_,4!,)>2>8\
M<"``'PYX]1_'*E[=1E'S7^H\:\3J;;814J**HE3V9T))U)N-Q6)%*.EW"01K
MPYS)B*@D2;+J"4JH*$,`E$BH&Y#\CA^0YX'U1M+O4VMS:?YD%2I[WTMU)]/N
MW-G?DW8G.NGA7F=DE&V2@W%@X0.DY9NN!<$]PJG(AXBF90Q#""8*@8>!_'U#
M/DNZVUV.Z45SQ[3[):WVJU&2;HXHWLJDK'O`8JI"D/U[4_D/O#R4/$1X$/F\
M>1`?X\Y5O>#=QMK"-<4=:-)J-Q_-18F#WF!!VY<_2'!K($(9U'+)DX*Y56X!
MVRX#CR35\0,81^)@SJP\'RX'2M[M6-Q&-KPX*O>1I5KS#*/G459V)@D&2BZ2
M"GD#:08.R`4J0H.B%,X0,D<GD0"B'R\<>F9RN3EA)MH])TK>34Y-7()RSQ^\
MV(KBFK#O%5)=^X(9Y[7O-'WT3H5DO=2]TPKIM_?\CCY&$0$/4P\\\YMIM:?.
M=*>_WL]JINW9<HY/#`SUQL+5%-12:0]1:3ZZ8*`?ZY](C'&)_6%L=-LT^@\C
M`D?D2\\&,'J'IF/FVEC15.-*6YW'_P!PW=FW_@F09LW?LM)LI`S5-A6T%E@!
M))DE],B4B212%]E,GB"8>R7QY$1,80Y$1'-7UTY8:GCW&S;KI6U@XSE.[)JB
M<L:5XFH%<?3.R9XC5L99"';JBM(2BI3B)RIJ"9<B`+"1,2&,`!Z<F$<9*IR-
MUNE8EHLK6LJ\NTW'A@0;H,P9>31@U(LBW((^)E4_;\"F6.</$ZJA@^'/S#G)
MW4Y>8E7#44X7)^8I)O4WB5\M:D6L*<JK9,JA2'/_`%%2@)@+ZIK")``R9DQ`
M?3U#"CJ>A\<#5NKL[591;5<^TTUV):2N2`#EP9,I731104#%]M(Y1]XQ5C`H
M7S0Y]#?*/I^6;5LJ8I8G(N;E2BVOGX,U-O-I(J8J""QA!-)142H*"(CYEY'S
M%(PE\@'GX<@`!G3L;)2CJHJG/E<DO')U:YF%5Z(D;1.UJC0J1EY^SRD8LLU3
M$QW+EW)O"LX9F8AA43!-%-4S@P`'J4XB;X9Z'9;2[-QMP=*R7WH\EU;?J-QW
MIR_3BY+_`,J;I[:4(N[ULXNM]G+!2(DR2[/6-2UQ2$%4B`)'#V-KR,Q+K*D*
M`%`[V5F%53>@B`G$.>,^B:96)>6\)12IV=Q\EM7[F_M2W+;I?N2EI_M7]35!
MX_=/W;ITY*FFJN)3*D(40\/D`I"D\O4J8!\`]/\`#%R]=NJEV3DNTL[:Q*TU
M%5\M5PX'"T6535\P\0.!BB!_B;Y!`2B'PX$/PS&TFIIQ^9%IV[4:SHM5#/G=
MV>K0,8P7*BJZB9%RHV?B4PO"1[U-$QFQ3G`R)2%?)@?D!`P!SQ\1ST*ZBHQ5
MR+_YJE-7'3R[LCB?[1;O7I>8J66]79JX/[RB:/W$\D;Z]8ZI#JI"?YC%4]T/
M$I?;`W^Z7X>G`<?'*TMQYLJ_B+$MI'96]5J783U5YIW"QH"DY5*LB4"D.'N^
MR")#B8!Y]3`(!^7QYSK[2,4]26-#S>\L^?*4G)QFUB^:Y,V8H.Y7Z?T+5XF9
M@8@("`F36]M0P![@BHH;U`JG\WS![?Y<Y;E;A-MR2;DJ.O$\Y+:SM2K;FVD\
MDS<JL;B0>I>#U0JZ9C^/FB82@F8I0`W@(<$5Y'U$"<AQQGG^I>GNG;JDK=M6
M[BKC%9]YZ+I_J+>;6+6IW%&GAD^_(F>*LT?)ID4:.2',)>1%(Y5!*'X@H`&^
M00X_CGC>I>G-YMZ3LTE;QR]F9ZK9^IMC?7Y[G"^Z8<#U-_8U6*OUUVT<IO(/
M[VNP_P`/_<2ECQQ\0^.5=C;N6K<H7526KX(N;JYYLHS34HN.%.\[L,O%48`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8!YD/\R]..835G5`[5<4%'.RMBI<AQY&XJ,4(`'(#Z<CZ_
M#._T#;;?<7;GGPC/3%-55:8\#B=<ZA>V.WBK-:W&TZ=B/'W(6(BQU5W"Q3J&
M.'DJ8YQ,<X%#E,IC!SP!O7T^'^G/81A&$=$$E#DLCPT+EZY65VNILP=[82JF
MY2$X)\G*8J8*',=00YX`0X'Q((_`!]0R8I1CICA$L6K4[D]2;(]D;2@H55JB
MO\YQ$7*P&$>#`;@/0``/:*/IS^.-*3JEB=);:X[E)-Z:+`P15Y]6HLHHX*":
M)5$_,A2BD<_'_K?$1*8I@#^`%X_CFFYN%">F1;M[-PO>!4R,#EYXBIQ326]U
M$!X#VP#^F')?43*>A1'CGTX#CXY0N[F&MG7L[24KE98LM2<@NHK[IP.HF4H<
M#[8)F4$HB*9.2<`')P#D2_,;\.<HW;CG)T;TEBY;5NXU2DBTR"QCBCR)B'Y,
MH=/D0.4XAZ^7/`@4IA'CX&Y^.<ZY.>IQJ]*+EKY%+B5L&Q*Y.O(O3$^@CRB)
M4_3AP[('F1J83>8&,8P`<Y>"CX@'`\".;=E:U1G=GC9CFGBG[#7N[KV\X4=+
MLU5/C[&3%KS9\A&">,D`548"HDHD=,X_]*05>2D\B>)A$I@Y+Z&`HA\!#/'=
M=Z%#>W'ONFQBE5ND51+L/9]%]0SVVWCL^HW):=7AFVZO_35\#L`T]O=6N+LH
MV7<&6AG)T$&\B=X98$%71C""8N#^`M_$1_F,/`_@.>`WFQ<9.4TE=3Q?&O\`
MXGT_:=7C)+'PTR.Q2%FXBRM6Y@4.N!0Y1,*WF;P/Z^X82&,55``'XASZ^N:U
M@DGG0ZVN4FKE77@15L73P6!Z27@U7<1-"!C!),A!4KE-)(2IH.4C\D6*(!QY
M<`8H?`<R,-HDI56=7]Y%C*B;4;F\'[R/41`2H_4%3<-W`D((^'RE4,B0PB//
ME_*`<>F:_)M?VKW':^IW&G1KEIY5="_-JE=WQ"M$II0BY04*105"G4!4!$AD
MQ$/;(8_H/Y!Q^.9:(\D5OJ=RW1Q/EMU_>R3INK:IY].K*+HE_3O=%-I[PE,;
MP%!#Y3$`HC\H>0!^(Y'EVUBHJO<7E#<)44Y4[V;#U/7"<7X,F[9)LP8D*0R"
M)$P`2DY$QU4TB^0$]0Y#GDQAY'T#,:OB:_(N15:X>TO%K;MXB'(10Q_:6%1,
M"\E!8#B)?:\"A\R9"@(B`^H\YKN0@XN32;2*=VY*%R+3:533G:NQ6$4O]&21
M+]<L`))I@85E52E*0BI%_;\2AP<W/(B'(@(#F6WC%K4TJE+=[K76-71FMSV4
M!5-XX4>-D5G/]0&J8&3?I->1`IG("K[9%!/P42D\BE`?CZY:@I3DH+BSFR58
MNF9K\Z>H/ITWF=)5BU!1Y*%)Y%45;MC"`I>X8Q2A[B@`F4@A\WEZ<YWMIM9-
M)''WF[CH>VE)QE+"N31V(=#-4N7CU_ORU,_`IU7L51"+-A(D=\NDLWG9ML"H
M![;.OL!^D04+XE!=4W`_)Z>GV6V=K3<6%)+^1\R]5=8BHO86::HPEJEQ=8O-
M]YTB;ONCC96Y]L7U8R0_N?8UL=MC)")BFC&TDI'1/B?D1\`CV*?B(<@/'IG:
ME.4]Q<<VVTEF<;I5OR-G:3SG:3^VI'!$A\`#W"AY#_$P\B/X@(>OPP=$XQ$Z
M)S#SY_((<E*)@*)P,!1$G'X"&2FUBLS&4'-4695MEFZZ9T#>Z"P)^0E3$H@)
MO#CDY%B^)QY'U#CR_+,HMU-%ZS>T4JZ5+Q&O3"4A./9*DJ(%\`,!O``X,EP(
MB/)P].0#D,O;))W&FDUI^)4EM[CB]3="38R1\2%3,0X)%5,4$S'\B$4*;^8Q
M"`9101`P^0F^''PSN6;JMMURH<>]M&Y--8&4L+.[;+%72=)JMP,!`%VF8I5!
MX$")J*>)%%%3B'B4?]T/0,L?51.=9V2<IX++XDT5[:!&ITVP,TG*ASE4,5LL
M*J8<AQY-P,/U"QP$@``<CY!R''IFZU>5Q-+(H7.F5F[MM)2CQ2Q)O@=@R:AD
MUF<J9DH1(#E3]T[1,H'`>4%`,)&Y@*;@/'CY1^.9>7;C5**I+/M[SGW+DW/Q
M-N2XGM)_RZ%F>V?JINIQ(*>XX9=@7;(P^0J<>.M=?+"(+>@*>8J^7P#@1X_#
M/'=?M6K6Z@K45%.%714XL];Z?G.>UFYMM^9Q=>"/0=G".^,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`\K7^:1>%9:HZ?'.(E3/M'9I3&+SY`(4N),4`X].3<?CZ<YZ;TW^K=_Q
M7WG!ZZDX6ZJOB?W'C%>S8$,D"IQ\N#`!C'3_`**?KX@<"^/'ND-\!Y^;/5GE
MYV7<NJF5*&"2TV!43G]X%`5-XH\B('*<3A[IP0`2E`?'Y?+D?@/&5;TI*=$V
ML#IV-HU-)&#KR!T$5"D(1-RY*J004!0IQ$O!04`>0*0I"<"!1_F$!_/*D]R[
M<J-NITX[67G+N1CSB04(4S4AQ^8A0$X@(BFF'J<_ISZJF-ZA^7^&4;MUW)ZE
M4Z'TCK7B8\LL'@`<\"54OB/(^)@*)B)?S%$?ZGGZ^GKQG/NREYCQ9EXK;I5U
M/TRJ*:'M"4HBJ/(*)'$#_*8?+W"G`Q1'Y`#TS?;W$8P2DJR1#;DZO%E.S9NI
M631:MQ*"Z_!"&.!CI((@`@N\<>/B4J#8.3F$>`$`X^(YC;L>=><_PMF^6YV^
MTL*]<:\VFF,>#?<9!,R:7].#BP+^FL2`FF9(`-]0ZY*"[T1-R<RBRA1,("(\
M>7IZ``99W#K:>VM>%Y.F%>\J[+;;J6K<;^KNUJE+'3V*N2[BO@$0((``"/D(
MD_J"8O)A#U!4GKP)3B/`?F`\9&QV;MQ4(X*F/:1N]TIVU&>*3JJ\'S7+[R3F
M-P3K+DK-\D#B&6'P50$/J?9`P%#D@+@;V45#<^7`_*/J7C.!ZA],6+B>[@],
M:U:6&/L/0^F/5&Y\SZ/J"UQ?RM?-3ACSH;NZ%W?^S7C&+>/#2%5?#X,'@FY<
MQ#ER<0,T?J>\X4*R!<."*CP!>.!#@0$?GNYV,8X02/KNTW[:2JZ4PJ^!VK4B
MSM)9!H!TD%/Z8.1Y4*?S(KSR9,Q1,!DP3$>0^`<<YQ>-.1ZW9QBTY41E:,2Q
M.\,1)!#ARO[OTZABJH\$^7@HF$OCXAS\!XX#(.A],RY+Q3$B9S)1;5N1NK_Z
MWV$#\\\B!^$@#R3,/Q`W`#SFKVF2C9K7S'[RM;@T*U2(DJT34$/F32;%1*4Y
M@\>5@*4!;%\/0.``.?QYQ5EWZF#X*OL/EQ-QT:R(')3>+DX@4."@X731.0H"
MN;T`A##R`#SY#DD]C-/=U7M&'*5\_=*%./N@(>90(G[(%4%7Q*3VS$*F/!1#
MGDPC^(9,8J4U'FZ'(W\4H2:5&HLZLIZS/;+8OUA4Z8(MW(&;@<3"CX`H8XD,
M)0`5$CJB(<<B/(Y>6S<<%@>&W%V<;L95=-7-G/:90JZ*9VJ228F0*BHLD8"?
M3I"85"E)ZF4$GB//`\_-\<VV-I+S8OM)GNW.+C!^-Y8DA]=="3.\[.6$,9RP
MJ4<9A9-HV5(/%*,A$%@-&0+,?Y5I^=4(8B!0$PE`QE3%\4^<];L]NXT;R1X_
MJN_M;75<B_,WZB],'C5]W8JOV':7V"NT3I#KIL:RP3-."CJKKY_"TB,:B";>
M/<R#<(&NQZ!C_.NN+Y\0QSG#S64`QS#Y"(YZ?;QCHQ2R/D-WSMY)692D]Q?N
M8XMM)/4U7E14IR/*,V\DFZ``'/!"";Y_/S,/J<X@(^0^1S"/K^(YHE^OWYGL
M-*5[RTJ*W!*G+@7$JY_(0*"92@')3$`.?(0`!`1X'D/\!#-IM*5P<RW!?E`Y
M"E+Z<@`@7GD1.8`\A]<DV6OF=.1]M2*`;Q*8@*#QR)@\@$O/J41Y+_W\9,<R
MKKFYM-MJCXF90J0)*BF=-%13R5*(*)#X@`E$!\0.8O@82'`2B/(<9;V[:DZ<
MCF7KEQ2HI2IWLRP/=*5(XB!2@Z$`#S$OB"B8`8"`":91-P'_`(A`OQ#G.C9;
M;:>.!HU-YL_#*`"BR8J%!(``A4RJ>?S^8&`_E\I>?EXYX``X'US?1$))8I8L
MO1'`F1;BB!"^RNX*4"%,/AX()^1T_;,`IJ)\>7F83<A\/AF49./RU7<:;EMR
M^3#GV]YD3"W23%`Q3/3N"%44#VU#CX^/M^8$**@>X<IB_$H"`_QRQ:ON%=;;
MJ4+NPMUKI7N/>+_E:K">Q],]]N3H$0%OV8?M@*BH8Z!BAJS6IP%$#AY$*'EP
M(#R(B`B(CGF^O7%<W,&LO+^+.ITRS&Q9E&*23E7[$>F[.&=(8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8!Y-_\`-9NE&VHNFHD\!`VU=H<D4-P3DM(A_$_Q#E1/D1*'PY^.=[H3
M:N7*?VK[SB=9M.ZK27"3^X\0DC(J+&,8WN$$QA*8#`!E!*4Y0]Q0X@'F8B9>
M>0X_TYZ&=]V[;3K4J6=GXU@8B]>'=NS*\E]HO*)2'$3"F`%#D?#R*8?:4/\`
M`1X,81SF._*Z]57[SK+9T[RF`QS*D55`PD(GY`=5$@\%```3\E,82"8X<%]!
M`!',&VW5YD.#MNG$X#*D.94YO,#?^M^4OA\IBC\A^!\U1]?PX]<@G5+FRB.7
MQ0%4"D`3B(%'D_*8F*()F,(\"'B/P_+*=W]1BK>90?,HKQZK*BH"9`*43BHH
M<`\2$\2CSY>0``AR'EZ9G8M?42\I9EB%V,[,HI*MM8_>9R=`E5AG#(QTQFI@
M@(R/F`\M&Q_ZJ+,I3^(I*D$1`ZA>>5/0?0,NWX+I\/+@ZWY<.3.-9D^HW%<N
MI*Q;>'L,69-2ID.H!?(J@^"9O#D?<!(">T8OKXG!0>0_`W'(Y4VOF*=+WZG'
MO.SN-Y#RZP=8OCS_`*F?1`?0%.OX'(!&Y#")3`0%%!,)0(H40$3B4P"8`$`^
M'XYWMK\S.+N:2CJX,QVS.BN$%`*8@%.`)E\Q_K%3/SYI@!@*)P-Z_'D0X_CG
M/ZN_`X_AY<"]TU**C.*2G18K/WF]\'J,X]:=-]AZ:DH[KDLSDJ%M*.5564&M
M7JK3CR`/-I>Z/*,/;(TC58R?(D;O#&$1`JA0SP?7=FO*CNX+3&*5:8+(]AZ7
MZQ-W9='WLI>:I.6JKK1NJQSR)2U=O-]0@9,9=?\`]DD5($5+K^0%3()_`L6Z
M4'DA#I<CP<P@4Z8?GGBMUM<-4>)]<V?5HQ6E/!8&\%6WA"S2'NKO&7M.5"II
MF^H#Q(H8"I!],JF8/%(W_P`-QZ90[#U'UEVGZMNG<54KN=HP=%;)NU%C(*<`
M+8/>;@/IR5583?R@7U]>0],:MQ_8O<CG_5HI`W]6C$63,]6,K[:IG!A(JFB`
MD,!@2.LF0Q#>1?\`0`#F7TLN!?V_4[3@ZI9<NPBJ\=G(M%JHU9*<G4$4BJ($
M,/MB!?),B!1Y$QS#Z"8>``0^.([;=RDHJ.+?(K/J>U2QFZ4YFBM]V!9]C2!B
M21U48LJ0(LRK>@D;^Y[H!P'`J+'.'(F'R#+UK;1VTE'=87JX+M.!O>JSW\OI
MMG5QCFZXT[S!SMD$RBT.4/`"\$,;YD@4#@2`H`\&,(@'D/(^H\YT&VE5Y'.G
MMW%.=RNA8O&I(&DM'V[?^PHFBU],6[`IS/[/.*%.O%0,$B<".'TB(&#^F8."
MHID-YKJ'*4H#ZB7H[#:2NSC?_#%U//==ZC:Z-:5ZP]5^2\*?%\COBJU!JNMZ
MM'ZUU^Q48P$8J9=Z[6\0E+%-+%(#J:F')2IG4=*>(%*3T312`$R@``&>@4HV
MUKHJ(^3W=SN;MZ>\W+DKK>&.6/#EAA@=3?W<MFIQ-8UMI%@X)];8Y1>\65%$
M_P`Q(>O)BS@DUB%Y`J;N9<J*<#P)A;\A\,Z5F#L6FI5K/(V[6,=UU-[F"25J
M/##-4.C-(Z7MIII)![AC<BHH/(%$1_W2A^'/^K(HJUXG>XM\6<Q#+<C\Q/F$
M"_RCZ%`>!X_B.`<ADE"F#RY,GR4`Y\1+^''_`,-FNZVHJG-&JZVH53H7=DBF
M97@""(B)3\`GP``3\.>?F*)^!$`#U#+VU2:QQP.??E)1JFZU,H:D$CA0H@8A
M1435'W#@Y'Q,F8ICAXB!>#>'P_F``SHV8QU/!9%57%%UGB7L3I*)%'P3%/W#
MJF^42IE`2D)QQY<@/)../02C^/KEI)+)$RNQFJ1S/P/$03.8Z9^#*D.(F\1*
M!3"40*D4HB4`*/`#S_,/PR3$JB*K"B@4R9S^2R@)B!TRF``((AYB<Y0^4@#\
MP!\!XXP*M9',F0ZJ(J%!0"E6*L'M?,0`$13\@`X^0'`0XX^(A\/3(9KN-NE3
MWH?Y48_GTQ[&#R8W':5YZF'U$3:@U88W!>1]L!,(CQ_'//\`5_UX_P"'Q9:V
MOR/O/4GG)+0P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#R-_P";.,!=/=+OY1$=K;4`I3>7`_\`
MN1">OR@/\N=OHU:W:?VK[SE=3MNYY:7"3^X\/#TP>)?94'R4+P!`$X!["8E`
M!.4.#&*X,/D'KZ@`>GYWFZYD6K?E1H41Q]TJQ2)>9`$"$\R@"Y^``3BH<?G'
MU^!>!`>/F_#(-M7S9\*$32\`$.02`#J!YD$IA$O")3>((@;X\B`"(!^6""D4
M$BH`42\@8XJ&*)?`#&$P&\2*D$YB(@`<"/\`V8!^/RE1`B(^0G3\1,8ABK%]
M\X$Y!$5?,H%`0$H_Z/ASE.[^HS)9%\JT<CXNI5T!#@P*5!BD!3`"S\Q`4,L*
M91`!69@'D`"(@(F]/RSI["'E6Y;CFC3O;\K=N%C;TU7,)_QW&*2+MU*/#"HJ
M50!5]DBABB*I2>?"GF8Q%`!3CD`]"^OX91G<\[<PN/&IU=KMK>VV+V\*.,8_
MU,XCV7LG23$@D02(F!#%\514#T$"^!B@`>H\'$>##S^>=ZRH^<\%6IYV_N8P
MMJ'!%[GO;12;-&X>!_59ZEYG$R2JH%,DF/'FHJ0A0]!X$"\^O`AFZ6YC";C1
M8/L*^VLN[+75T>/O(\FFKMP(&\?<*F07"JAA'VT2E]/ZAC^'OJJ^OME+R(\?
M@''/%WL]U)MI+3\#N;2]LX/1)XK!^P]!_P!J>EMK[TRVS77Z7ZI%QF\YV(D(
MY<070,SM%%K;_P!HZ)O("(NQ35\@)\!Y,'!@`<I=0BG:M*26-F553"I6MO7U
M:_O8-TA*RO9IF:E=A>N=ETS-NXHT:\D:1+^X>#=*>:SED!_F/'*KG]%2MAX]
MDYN#>T!0$.0$1\+N=FY);S\"61],Z/Z@@HK:->-I&HS)C9J\[5"(4!5J80,=
M%=5R0HI#Z'*HJU6(*I2%$>`$3>HY2TV/_H,[NJ['_H[ZD_>94WMEW%%,#(-_
M<*'@D(S3]N0B`_SBH4&ACF)P(^AS#E33LN98\S>]I>&JEA4,15\T9E%?T#VY
M)^J(G,`"8"D1:@80-^9C<!D:=FL4\25/>98T94.".RJ)@F+5(BOH8&B9O-;Q
M]2@=PZ!9<OS?D<"\^O&9+<)\,25MFFG5TJ6<[550113.=,`,8>#^2H@(CR)/
M,2`7@.?E`#<C_HQ.'F^%XMEJL;:<LHK.F&!*>JM&WO=-F3K%*BC."E%`\M8)
M(3HPU>9^0`H]F'H@)1,4AC"DB0#++#P4I?7G+^TZ;HI.ZWY:Q?<<?>^HMMMH
MRLV,=PXM13QJ^!WBZNU-3=&44*#0FYU%UCMW]HL[HH%EK/,>A3OG'H!&[5N0
MW@T;$`$T$^0X$PB(^IVBDHTL).QQ/E6]W.YWNYG=W5=<<D9V""#5L9=51,B@
M)F'W5#@4H"0.3F.(B`E*4`$1'X`'KEQJ/)'/N1=R#CQI7W8_`\C7<7;:6\.R
M.S+S'O?KJXUDTZG3U?3V_P!N5<AHM-9L0!X*E(OR+N0-_O`KS^.2^3.KTO;N
M&RA-9RDY^QX>[$UO(/BD!@X\N?0>`'XGX_[AR#IG.4JAQ,`%$_CQY&+XAP(\
M#P(<AXCZX#N>7XBM0;B(#Y%$Q@#S$GR^0<?@(F,`?RCS\<R6>)B[_FK30O[-
MLHHH'B3U`/0OER8/4./<`H^I?'D.`'U^`Y:V_P`U.%#D7;BMSJ\J&3HI$([0
M$WMH>Z44@*F0W)0*!A(HJN8.//S`0`!^`#_'+T*^9'O-;NQN0DDE@J\"O5(0
M>?$H"H*I$S+&_E*`\"<A"*^)/0`$?Q^&;MVZ7VEE0TVOT$^-2C$Z8%`@)CRH
MHIYGY(<!*0QB&.4W@8PE*IX@;QXX'GD<QLNK=>1DBM$I3MN16)Y@J4/+DP%`
M10`PB7R#R^(#\!'X_AE@D($\B%*"A#"!DCJ'*`G5'W3'*/)2G)[IR@;CQ-_*
M'KR&"#WH_P"4]``Z5]B>`X,/:1[[@<@/SAJ#5I1^'^[Z>GYAGGNK_KQ_P^++
M5CY7WGJ:SDF\8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!Y%/\`-J&\=0]*!]>`VSM8QA`HF$I`
MHT+YG+Z"`'`@B!?0?F$,Z?3:ZI]R^\KWUC'O/#N?W%/<,JF853F.F@0H\B4H
M"7Y2\<<$*4@`7X>O.=4UW_F7<?!$^#)";R_IIB)P'P(;YB<B4IC#XB81.4H^
M7(^OH(8-)\G;E5Y*8@_+X*&^!P^4"<)^)O),#"K_`+WH/Y8!3$'VBB9,G)B@
M<I1,`A_U"A^2'$AA]0!0?+@.>.,`MBP@*ON&#YDN3$.<#>(B`<JG41$PE^8>
M!'UYYRG=_49DLB\QKP2PX\>VD4R[I8RZ@&`#G`WSJICY"(J`4P?S<`(CZ`(!
MG5M[C1LHQX)/[V82V^N["7:<]:8@_7?/U#$4,S3`R/N""17)S?`.!$OD[$OX
M``@8OX<\!C8);IW)_P!AEU;=/97(V%^,S%GY(M74@X\2^(F,1,P`4Q`(`\"8
MIO;`$3&_T\_$`R_MY:[,[G,Y&XVJ=^#,#_4W#V1]M`_M.55!.5T82B#,G!O(
MROB`"JNH4.")F'Q$0Y-\H\YQYR>YD[*S3H=B.T2BJ<BYF32(Q<-B>7ME]T0$
MW@H<JAA(85%3A\_N"J7T*(``%]`]`RY<BX;)QXI4*D(TWJCVG>7]FC;,#7H'
M=VJG2C@MCL%IJE\AXM=NN9K(QL;!N:_*N4W12>R4[==9,AR"/EXB0<X]^NA=
MR^XSO;M0WNNGZCT^[`]*-DZS:N[&:M=5.Y11$6$VP]V)LK%$I9*#D%$0,@N)
MR`*I%6SDW(^/Q\>!]!SR<LVN%3L;3=)/#-'G'[*],-B];K;^V-F0:)X6066)
M1=G0P&&FV]J`'^F1<+`0I:]9P;"4RK)QX%6$!,B8X_+F6ZVC2[#T^SW>->'_
M`-+B:535"7C'!TP*5+YE`%4Y!(94IBB!`XX(`&`P<@/`@'''&>7W25#VNUW7
M!Y%%'P#E!8P@")D@()B^0F,J500`OD"@GX\0`!-QQZY5VB35&6FTDV7M6K>Y
M[1P$SA0Q`%)N`B)@Y].$4@-PL8X?@/H'/.=O:[/5&G,I3W=(MUIAGR[3;/2G
M2V>O:C::N'N5:IKF!PLT)[@VF42^'@V;G2.6(;J_@HMY'`@^A0]!SM;;I?EQ
MUOAC[CQ'5?4-R_)[7IB\W<Q^9\NT[8:7J^$U_6FU7I5995R!1`#"FU!45'J_
M'!G;YRN=5T_?'```553F,(>GPX`+9X^_N=S=O*&Z_4DZ8%Y<PWTB:BJ@\_(/
M!0)QY"7^;D>1]2<^G^.*M+`B6VTQ<^1U]?<$V^MI7KA<)B(>+,;5<Q1H-062
M.4%VDE/`LE(R37R^9-:,@TW*A3@`^*G@/\<ZFW^3'M.;9@[F]MPYR^#/*2FC
M_3#V2#[9"E\2@`>7CR!1'\.3`;XC^(\CE>7ZZ]OW'L;L_/E;IE;7PH5J;`QA
M^`B)N!X$?$?0/RY'\LVD.?E^,O#1@N(F(5,3>1AX(4!,(B(``%,;Q``$>.>>
M<V0@[DM)C]0[OA9D+*'2(807)P!1`#)',)_4"E,)1(3@>0_(P@`AZY:M6/+G
MJ[#D7WXL.1D'D@B!P;HF*"IC$(HH/BI[1DP3,0B)`*D0"FY'DP@`\_$<LT*^
M9^G5/[)SF."JJ*A3`D5--(I"H`!CD,(C\Q0;G,;T'\?7@<W6?F?<$?JODJ50
M""9(I@3*0!$?`3<\G5^1;R!4/(`+ZB`E',KV2[R6?0``@4RB2@@*JH)E`WM%
M$#'#@P`)R'!,>.1)_*/XB.5R#G4*H5N44TRD/[Q41/P113GCQ4$@@)A(!2$\
M@,''/P'D,G$'XF0``?$#\BJ`CP8I#$3,8Z1DB<B7DGCSSQ\1$.!],W6>)*/>
MO_E0@`.E_8TI0$I"]IWQ2%,'`E(&H-6<`)OB?UY]1]<XW6/UX_X?%EJQ\K[S
MU+9R3>,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`\AG^;='C3O2H/'D3;8VL`&#^8/_`'&A!X#T
M'T,(>H?CQG2Z;\T^Y%?<9+O/$"*9A7*;@_@D4IA$1'P,8"`7Y@$?7W!$QAX]
M`XXSK%4Y3")`*4Y5#`)OJ5C`'`"94HB@4!Y`13`QR@`<AQ_HP"F`QTR>X!?,
M?F-XE$@B!^!4%,2B'S'*H/(&$./X\X!QK)"T0]HJ8`"'DH)1,<1,JIXB<@`8
MP^2A`-\H#^8CS@%H?'`QB($$?-0QP.*@"'M<`0.3>("(@`&]>/AQFC<?)VEG
M;?,_8<\<(&!6.4.415!$6Z8"80456X()0]OYC$$>#'#D."_ASSF&SO.+6W>4
MV;=[94JWU^#$RL/I(QLDS]U'VVPG%XI\J)5G9!X4434*4/%),P>*91^/J.>B
ME/:[/;QVL_FBJ>_'XGG(K=[G<RZC#Y6Z>S(Q>7L$G)LBE]@&S=-0Y4WB1^5G
M*("/"9$0`2K<<&'R`H$_`>1],Y6YWFYOP\BUA:6"[CL;39[:&\TWL;BMXOM/
MJ&11,_420*H@W1:+#X&'DRP@!"F5Y./D8ZG(<\@8>`X``_"OM8RC*DOF69LO
M)1M*,/E1D"AC^)@]HO@0Z?F!043,8`4`IO(?B!!)\/B/(^OQ#CI;GY$:=IBS
MN0^S/7#3?8Z(7<MP,@#&Z5TQ1]LX&.XAV,FF"GMB("*;E`A@`W/J7*F_I]"^
MXTW?^N2/8YI9,:_,+UA\0OZ=(J*&:$4X!-%\B7@R1?B!2+EX,`?@(#^>>435
M#KFQ]SU!4]B5J1J-SK<39*K,(&0?Q,NS;/VRI#`(`HF1RFJ"#A,3<D4*'F0?
M4H@.<^C;H0W3%Y+B>>OM!]LNFP]WL$!J38YCMH]-JJE6+(P4DVM?=OO`X0!+
M"V.#\R#0AB\$.1S],=0I/<#U3)\A]?\`K#8])ZBNA=,:O[M?JOA[&?;O1.QW
MN\V'UO4/^C?Z5RF/N.OJ)Z2;*/.R41..H2&0AI#Z-XJW47D792F;(/4CE8D2
M2.@1=LN!DO>,F8Q?7C@0Y[GHC<?[YTZWU'BK\K/N*?JS?OHG4;?3H6%>\RVY
M5[N)N/I_J+3*NY))R"2LQ+^`"G)/VR7NIB0!*`LT1$2-#&YX\@#SX_'/HKV_
MT?@6-3YIN^H[O?\`S2\I-8KGV>TW69UV(AB(D1;H@)`*'/ME,K\W'RJ*&`?(
MW/\`#UR(:M:[SE?2Z/%@FNTYI!,BJ)@3(!1*7S$WPX3+SR'B/H/^(<9?((GF
M&RJBG@D(>?EY@)OE`"B/J81]?0./]690^:IR]XW'%</YGF[^\;L=*P[<USIV
M,=`JUH=8=W">(FIRB>=M@@A')&(!@X6:1#+S]0]`7`<N3_Z>QSUO[F;>EQ^I
MWMWJ'!QTG4$Q3,13Q,V2$4E`\@$#'`/$WJ(^''(%_+X_XAFZ$-<M/,[=VYY=
MMRXHREF@0H%$R:0F$3>!1(DB)2\"(*AYI&^0P_GP.6K>WT34CFWMSYEMPJ7(
M"@<Q1,0H?()>04`WCXCR`J>("!0'GCDO(\_CE^U\Y4/TJ:8&4((&)P(&!4X%
M$`-\``%`)Y%`>/3D><LU1)RHMR"8/<*913RX`0`QS"ISXE,(&`QS@(\`(\"'
M^G&!!5.#J-A2.=)LFH8W`*+^1A4+S[8`9`ABJ%'DP%'X"(?$.0S3>^7#F&4K
M<@G*8GU1SE05(4AP0^G!5,A@$ARD4)\@&3,!>!Y,?Q$<KD'.;R]1$WB8ROB8
MO],"@0WD8@^2H`8?(`YX`0`,`Y$_IQ34$OAXE\1.(AX&#U.!/`A?D\2@7X<`
M/^O`.(I"&0*8B@"8JAC%(81]!,=8XG(?P`O(D`1`2^@"/'`"&;[/$E'O7_RG
MIO+I5V*$/(?_`/:>0]3']S_ZD6K?@?\`F$/X#ZA\,XW5_P!>/^'Q9;L?*^\]
M36<DW#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`/(3_`)N#G^SO2@.>`-MK:H>7K\IOV-""!N"\
M&X``'X9TNF_-/N17W&2[SQ(D$I4D2!SX<#[RYS?,8H%`!(3R$_M*>G'D``(>
MO`_CG6*I2+""AO0X"0YQ4,3PY]LQ1'VT%!$OF`@7GCC\>!'`.5L4!4$QTS@B
MD7S!,0(8?=*?S(7@!#S*8_`&$#``<#@%#]3Y&$5`35$3',MX`3W`,`^0&/P(
M@41.(@/'S>(!@%A<F$BJ@\E-[":A2&`>2FY,`)B(CR(^A0^/J.4[OSLS2=#\
M8IJG=-3D2.`$5!118O`@!3@(&$3>9"HCYB'`"/PYS9M_GKP-D_T:<?ZE0Y;`
MZ?D;NW7U#;RX(/(I(K"4/)0X$)Y'$`,'RB'`&#X`.6-SC=A0U[;"W.I53)U#
M"EP`E$K5)!$"`"()E0\N"^V4IBEY$_Q].><SG\[[S#88*Y7#$NT2B)7#GVRB
M4_L)%3\B@)E#"0!#@Q.0$JHAZCR'IF[;X3QRH;KS7EI5X%8Z1`#*^GB*I4@.
M"8&3(("<0.)>1$3_`,@#^?`9MW7RHU;/@=]WV*HD'6[(5<Q>!&ZV9$GH8W(*
M4XITP$0#D?`1XY_(<X_4FOH9)M5H5H__`'F#/7T]K2)Y1TJWY;+H^VZ:G+SR
M54O'BJ'PYX.'`E'\##GCU&3R3]QVI?,^\PGL7OZUT75<#&:V5C6NU-DSSFD0
M$M.E4-#4@C*+=R-BMDJBD)5'JK%HD1LP;$^==Z\2$/\`U8@;D>K^IW.C]&W%
MZTG+J4H_E4Q:YNBQ5#M^F^F6^L;Y;>XTNG)_F5_%R2YFN5`K#]M1&DY>3.T'
M#B'1G9%)J=S)KF5D!*5RNZ*BFM+&9E7<F.HHH)54_`QQ*7C/QE#9[I;W_FY)
MKA<7S=U,S]&O>[2X[,^DIP2BZVWA%*G/(H>O$)IJT[4O%0+/(J6C8S=2<;P2
MQ6#PT5+4)HFQEX5.R-"$2F2JPZWU!14%18H('(8_RE#/OW[3]4E.YN.AM-1D
M_.C7#\V.$O>JT7$^6_N)L9QM6-_1M68J$L'^E<QC]M"7-CZJBJ2N<C<6Q@6`
MY6P%\!-Z`''J7@"_$?X^F?9XX25<,3Y0:Q348]6>@@0JP"8XB'!C"'BF`"'@
M/'KSQ^/&="JYHDY"5YXBR.8Y%#&\?'^N)A``*'D7\/Y1$P\A^.$T\@0O9%A8
M'?.72R:3-BBLNX74-PBFDV**BPB8P>(`1,!],3BW'!.O<<S>7?(_.Y?^!XH>
MP5]7V]O?:>QU3K*DL5REAC3'+Y"2)8+FC81)#GD4B)1[5,Q0*;@.>..,ZMZK
MW*:Q\!T.F6UM-C"P\-4W+WD9-4ETA5.F!2C[:A1`Q0`3()`)S#Y>OM_#U/ZB
M''J'`AEBS^HC5N:.6!=&RRBX^V1,ZA@.!"`("1<I>.0**`E.8!,)1*`FX`WQ
M#XYT+7SHJE[%-R/@N84D1,'B/F@F!?$#@J9,OFD<J`)B8`Y`O/K\?3-UW&%%
MS)!FX^"X?U'"QC%,)``2H^WSR3YQ\1$"F,`"'AR`^N5J,@YS+`1/P^5),YB_
M5>'D43@0AB\<CRH81-P;CR``#\`'TS*VTFZ\C&2;I3F64H&<K'*D(G`GB)1,
M(E*<`'D?F4$5#)$+^'/QRM&CNNG+XEJXOREW_`KG0*)&(?@.5O;$%5#D3113
M)XE*5(!`JPIE,8!'D1#YLW%<I3*$.H0!/P*9P2+X\G(!4^1$`,8QQ.40*)!Y
M$>.?]&/N!6*^(ARFD<O)F?Q*H`AQ[GJF=(Y#`!0-R(!ZB'PQ5('Z(@D@/"9R
M@!N>53!XCXD,<3&(H8ORCP(\_B/P#XXH#WI?Y3DHEZ4]BP-SY_\`FHD`-SQ\
M0U%JT`^!2^GB`9Q^H_JQ_P`?BRWM_E?>>IW.>;Q@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'D*
M_P`V[Y#J#I,4H\?_``6=KF$!+Y`(%HL(/\!_^CG2Z;\T^Y?>5]QDCQ%^X)P,
M`B<%3'+YI$`OF4A"@;R-R``/D4!X$/AP'(9UBJ?`B!/;`!!0KGW5Q\C<BF0P
MF'Q,<1*(&]0X]>`]<`J%"_2MRHB("8Q4EE`4\3!P<#>T!3I_+P/!N0Y#@>.1
MQV\`8VX5(4PJ"!P/R8"?'S`/$1*4QN/F/X^@@/KS_#)G*/DTJL^9-I/S:XT+
M4H/N<E$1`I_G.<?_`%@<%```WX>21Q]/X9S3H:DLWB7ED;Q,U22,1(HB?^D`
M"4`.F'S*"!A\!45`?7RY_P!`#ERU):$FRE=QN-HI?E1=F(8"*`)`!43`(B<J
MP%\``?(>#%^("7C_``R;32O-UPJ8',8"C],HH8ZH>I..`$Z92K>WP4/0?0GK
MQZCFV<HZWBLPS*HM-(5E@\@$H)>V(F4%,>0*($.7@OF;Q$H@`>G/XY;MM.*I
MC@:MS%Z4Z</@?#PA5#I@<O@"IQ`0*($-X\^I.3*``E`!Y'U]>?RR=PTH*K1M
MV;I2N&!Z'_L)I&#<-36\#%*XOUF;@?R]#"A4&(&$$_\`<'G_`%_AGFNKT\M=
MQHMQ;W^7%GK:VQ:JWK-DA<[3)/(>$;O6S!U*(0\K--H_ZT3$3<R[6&9/G;6)
M$Y0*HY%,2(B8!'XYS=UNGM()V\:I=O`[+C+'!G6YW`MM)V74M?;)U7+)7.25
MMZM=9,*RY;NW5>LRR1OTJ=>).DO?8Q`';&^I4.DF?V`Y`>.2CY'K/6NDV>G7
M]WO=W!I[>ZM>GQU:P26>.2YG>Z-TS>7]_M_HZJ[8W%J]*%'IG;6<5P;7%(V2
MEW<3`:D7%])R2!9"O)1*\VR9D>2#"2D(<R2+YR=5Y'D,S2.`J+`"G!CF$HAR
M<"F_*4;VR;^KBJSKBN/]#[COMCNKLGL-I+3@VE7LX'6$\W[KN@S;;=.G:2V<
MW6.64FV3-X^>E%>0AWJA;.Q:&EG)H^MPL@H1X8")D2(<@@(^)1*&=3H>^WFU
M]8[65F[=V]E;N%:IR5&LFU@J\RQU#:PW/I2?UF,OIU;N+BY16#IWXF^%`W7&
M=JE*Q<ZDY1>5>P,RR<>HBM[R37CR(\CE0354*+F-=)JHJ<&'DR8C\!#/UU&4
M-[62E%R7)IGYG\4=Q+;WDX1BG1O"K[*T-@JMJ,LW-R;U4BA8N/.#5!P)1%-V
MY`#"<4?(0,!"@'!AX],>5=?X9>YD%9?*`VCXA4&:7J"7!C`'/!A(//'ISZ9L
MLPE"_#6FO$LU0E'3=]P6?<:BZM[:M9/%!VZ@'\-%&Y,'F_G?"(:G1$H@(J"N
M]*'IP(<<YZ"Q)2NK2T\>!R.IP\W:6[?%W/LJ>,-2/(V3*W^8QD2D#Z@IN4Q.
M!0*J<"^ICCY!\0^/'YYE:BX^8VFE_4Z%R:O.C_\`3MJGV9%*0#$(!"&+_6\R
MB;QX*9`PE(``'H)@,<GXB`\#P'QS;:_4169=`^I:@D+;Q3?C_57()`1,9N4W
MBD54ON^13',H)B"/\I>?P'+AB?35=5594A3E2`HB*ON_TU0%),Y%2@GXF(<Q
M@$?$!$?(!`0S;:^<E%P(T7$B*20HE('D#<HGY`I@*`J>SY\\J?$1\@\?]6;;
MWR>T,^3)-$@]%?>51\A*`#[I$R&`0X*80+XK`8!^`>("`#^656[<<;JK$)7'
M^FZ2.)-7E,?%)`IN2%*7R4.<Q1`!.<Q0,<HG\?R\1`1R->W>%M49.F_^-ZEV
M%JE7I%'35HS;IN':AB%`7*9!2(F('35<^P7^D0A/4>5#"/D4GH//(:KC4M-,
M<11K-%<V-XAPD40\5P,41`HG5`_GP`E*D<$SAYC^/'(99;6B)!4#[A4!6$?Y
MSMR>V;W#D,F7R$XD$Y0`#D$>`Y/^'IE:XFY1H$</`BE[@"(B!U@*'MAX`<3J
M)>IA4,'D'G^0AR/'QRU-^&*#R/>W_E/2>/2OL6/RAY=IY`0`OX`&H]7!\W(B
M///_`&<9P^H_JQ_Q^++6W^5]YZFLYYO&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`>1#_-K_P#T
MH>DP!SR.V]JB(`3S`2!1X3S`?0>`]0Y'\LZ?3?FGW+[RON,EWGB'*/S'!3^F
M`E.)A.("'`'`!(`@')>2F`.0]!`!$,ZI5.1($S*@X<";V2B=?Q*`*)G(0@%`
MON%\#\*#Z```/P'G`*%\X!50ZYSB4`*<RB8<D\O(`$I`(8IA$"IB4`$?`?'G
M,IM*SB^)DHR:JDZ&-&4,JH41.($\0*4/,?:(/YF`1X$_E\1'U]<YCHW@7+2:
MA1YGP<IQ%`BGIP5<P<``!R02@;\O(IC<<<C^>%CAQ*]W]1GVB=4!(H!3$-X`
M"@B/(J^G\H%*(F(4##ZASZCF35,'F8`JBGF8X&*8WD7@0#VR_*7VQ`O!3'$W
M'Y``!^`Y`*HBJA4DQ]L3`@J8P$`.#"3P`QQY'U,)0')492^55!E$:@8!2\S@
MF*AS'(;^8W'MJF\!`O/*8>8\#Z#R.=?:)Q:U88&5Z47;235:'`Z'R.@0$Q-P
M/RF\Q\A^4HB/@`\@)N?4?AZ9IWE#5"LDJ8NAZ&_L.*FC]L5)ZH)A1>;2EX]'
ME03`"Z=/9<_$I0(*R;T/0!Y'PSA]4\5J*CBZ&VQ_UJ78>T^7C6<@F!7;9-V@
MH`IKMG"1%FZR1P+\KE%0AB*D+Q\#`)>?B&<+<8I)8X?`[IJ/NO26I82`?W2O
MZ^KD-<0DX!DVE(5F,6=V=_+%1<-W3=DHBR4^I2.?D13#@2_PSPO[CRV.Q]+7
M]QY%OSH.THJBJW7%1XMKD>C]#2WL_5%C;6VW9CFUBEWLZ]^Z^Y;/K"KQ-"KC
M:1D'NQZV\)`KUA%K*V*MRT1-1+9S-3U:D3!$/X)4%T$%DUC&*DFL*Q@^4.?D
MOH';^@;EG<;'U-'<._?=83NQ:46L=-8JB;X(]GZI_P"[)=2=[T_*"N6I*+4F
MM7;AG@JLZGK/UBW_`&'74#1XC:,,Q/-$?N]CR]BC7KJ3M))AT=R%?!]$F:`S
M@2%4$'/LB59V)_'R(D``/T+HOHJ%[</K]MJQ&Y'59LOQ.,5A'S%G%M8JJ5>!
MSM[ZS6UKTFXU.S9JIW$ZQFUAA+)XX=YV"?;WZR]TM*-YFJ429T7%:\M`C+*3
M;_6MPDX6NR#!$$WK>/(WLB#\'TZW]5#+*K%75;$X\#FY'V6UZ?U3:^&&ZAC_
M`*/X1XOJ'4^G;VXI3M2SX8/V/&CY/@SM^9U[MS'II(QVU.M,H5-,I1;NM4[`
MC"F/\5%`:C>#G^H.;_X8.?3T#.K;VG6%<BY;RVTFO_3@OM4L.]9%:Y?Z=*W*
M,+>[4W%TK>;5>U:<5S7$DRS(/G\,DG*(MR2YDDBOBL@6"/,Z(F7ZH[(K@3N"
M-5%1-[93F$P!Z<CQSG83G!:;\U.?-.IR7&256FDD>:+[^]Q8U756FM6M#D3D
M+I;)2ROV13^"JE?J+1%-O[B?`>BDW,%.7GDHF0]?AEKI,)>9*='H;SX>\YN[
M3U;=<5"5>:J^/(\GS]51)0A1,LCQ\Z90$"E3#R^3R/Y""9R%#YN/B80'.[<^
M1D+,LR'@8X'=JE20`?-4QP$QQ\.3<!_`0#Q\P_WAY'*UMI33>1+R.8XD+R=1
M;@1%)4QO<]P2``'`H`;D1.0H>GKR&6M<>:,2X$.H)R-4C`JLX\"G4$IQ331#
M^4JOBJ/BF"?(^?')?`1_Q>9IQABR2H,JD('(10%#%,8@BHH9!L!^1(!#$3!1
MPX`>?E$O`C\?0!PKLYNDEAW!E&Z7!,J`)I`9$`.<Z`"5NU,;Q$0$X)B*RG*@
M\AYB)O7CD`],PNIN&"KB3%-O`Q][(KIC]&R3$[M453^R0/822\@*0'*Q^"K`
M@4PC\OKY"'I^`Y3S>E8R7`WVEIE66&'$O,;'IL6YU/+W%UQ(9TX72'R57(8X
M%$"D4]P&H!YE33_E*8/(1Y'C+%B+4G54P%^2<51U=2I`Z@&:B0#'_P"I\$U!
M,4!,<0.F`G#CD2"/XCZ>OIEDK'*H4_L!PKY""B0_F<_JX*!@$O!03`H#R/KZ
MB'&`<B!RD0;IE3,(^X(G\N3%*?WQ`1,8_)$Q%/D.!'@1]?C@'O1_RG`@/2;L
M2!2B4"]J90.!_P#F3:O'T+\2_'_9G'ZC^K'_`!^++>W^5]YZG<YYO&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`>0__`#;2ITM/=*C%X]-L;7$W(GY\0HL+R'B4!`P"(AR`^F=+
MIOS3[D5]QDN\\1P#X$(FF7Q()2>YY_[IEDS&`"&.(<!YA\#`''_;G7HZ5X%7
MC3B<0K`DF?T$R1R^0&$O(?3I^($Y)Z<<K*<!Q\0'GG,4T\B6FL&69^N)P!,2
ME(+CP25,'(*`/F*AC)G$P"8_P#D>>0],U7VM%.):LRBK=&U6I:2I#XD,B(&*
M4/(X@3Q-Y@(\E*`@4ON%$/CZAS^.48X9YU-Z:>*R/TJ9A5;&*8P$4.O[P>7"
MGB?PY\A+Y^)Q$>1X]!',K>%S5P*=W]1GS[/@<``I0,7R`#*E\Q$P@43!R7W!
M'U#TYX'C-MQIS;61K1^I%\"F/Y![@\H@F`"1/R\%#&,)C`'H(B`<``#F!)<V
M8>ZW-Y)@4!]D/E_G+YI^WP03#XCY<>0C\/B&6MK\Y#,G9G!-9N0_B`&*0`,(
M&#R()``IDP$``!$GQ$0*`\_CG2U1XM5-+3J4+KE-TF<2B0"`'(B41$.?(#`!
M2B)1$`$.`YY]<J;OY:HW;;PR\6!Z)/LJM56D+7[(0OD6([.M!743,8GBU=56
MOLW8B`B(EY;.3#P''PSC;SP83P;1NLPE+>N44VDL>P]IYW!%A$H&+Z^0G-SP
M4!+Y&.//X%*0.?\`#.!%.YC#%8OV+-G;4DVHQQDW1=KY=YU0]K.Y]?U[4I>R
MV2`DHJ&1CUYK6\<,HR5F;)-5DTBV;24I#%B%R1M?DI.21]\%G*B_L>T*1"JB
M;CX!Z]]62]4;7_9MG;E_MWU*\2QDV\J/M:/JWI'H._Z;O+.YG;4;[59IWHUC
M'G)<#0S<\#INT,83M.Q;V91I*5^%M=@LU8EFD=5V;B1K<>TET8L9Z:?.GRC=
M586SMHU:EY6(4AC>XF4I/GOUG7)[N/08W8_47*6X6=&=QY34N->',]-T^STE
M+<=4VUF<I+<R;W$IUJH_-X<L%F;&=;:@GM]:H-4S+&3,W8EEEEO(CEN1O[`K
ME>)`)BED_9,`+^HA[G(\\9^MNFV.H6-EM=KU#1]7M]O;C=<?Q24*.O<\SX#O
M=[L[US=7]AI6UNREHC+-UG7P\\,4=Z$-7XRF5(8^,:(E91$6X,V1Y]M,XH-Q
M4*)U/'T$RI/YA$0#R'-Y1C\Z[SZ69,UFY7()E*MX^0G)XB*9P*!A(!B_S^V?
MD.>`Y',CHF&RK9;CR!`CL>`*4"?T_``$>%#F4'PY#GU'G,H?,N\QG%2BXR^5
MH\-GWV=QJ7WNK*TDJH"PTU2H.DIHIG2,1&:EO*V3X^0_!5$9-NF</3@4QYXX
M#/2=-C*ULDKB<6[E<<,#S\F[N]N3?Z,84C+@WR3XLZ,5P(L4#J&)SYBH!0`W
MD*!#!Z"8QU#`*OJ(";U_/+UR<7!T:J0LRF7.D0I$!***QRIKNA#Q$2!\QT2E
M,(@!"^V?RX_\7XY4,BG((+J"43$*953CU`I?`2B/B;VRF,`)<#SP'P')2;=%
MF"YH\I)BX*82$,)$B)^)B<-0(4IP6$O/)5`.'B`ASZAZ^N;;49*=6F0SD,=0
MR7D#@S==$Y@0,FF3W_<$0`/-0WN"*?MAPJ(^H?[H_E9;2Q>1"3>"Q9CK^4\#
M)(-DP,]7(H!!$%#(>9!#W'"K@R7S>'QY\AY$>!#TS1>O:(UMXMNF'(W6DX2K
M+!4/LG+=J0RYC++K*%(Z7\2^^N8#%]#F,/'M)@/!2@(@`<\XM1MQ_-;6MX&R
MZ]<4HXNI>B*'52-[12@(G;F`%!-[0E*(^X1,0+R01`1$`'T$?AF]2C+)IE9Q
ME'--'"!5/%NH14?F.!^#"HH;W#IG)Y)D\2E.`G$O'B//K\/3),2I3*?V0$_O
ME\CI>2A51$/$J"JJ@D(!A.)@-X@`\%+P/^G`.7U!5,3&`JHD$`$>/$Q"IF$I
M3H$!0BRI@X'U_+UY'`/>K_E.!YZ4=BP]."]J9,/0I2\"&I-7>0?*`>H&_/US
MC]1_5C_C\66]O\K[SU/9SS>,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`\AO^;:(F;4728ZAC@"
M.V-L'*5/Q\U##1H,G'(B`@!0-Y>GY9T^F_-/N17W&2/$>EXJE4;F*0P`'@!3
MF*(>*X\>28`!O)3Q+QY<"(".=A_HOO*D:^8GP*)PY0*0"D*90!#V2'2`@@0$
M/E3(4PB)R")R\CQP'/Y95MRC%--T=6;KK3E58JA871O$R9RE#QY3(*IO(YO/
MT,=4HG,82\!Z<@''/IFJZTYU7(B,)-52*'V/,I1X.;R-_-SR;CW!'T,'`B`!
M^/'PS1+%ENTFH4>95#YG,T!0."D4633.!N!Y'P\>?3@?C_JS*.17N_J,XBE/
M[@G`_B'NB(F$/]X/(IS&$``QBD$H<>OX\9)K/H"A[RX&4,*8'0$.#>1>>/(Q
MN!`G`>7'KY_CQ@%:W.)$P'@RA3<B`CZA[95RD`@@4P@')C^@?'TRQMYQC.LF
MDC)VYI*33TLOQ%A]M,OD`\`0OF4H@=(I0`YO`I1*/`E+ZB/^C+,FI2;63-1^
M.RF.94I`,81244^510R8F(?Y%4R'Y-XB`\B(B`_PR-QXH)1Q="3TO_8R:M9/
M5-V2./F>.WRQ=&#T$H"K4H8Q?`WJ("'L_P"O./U7QW8..*457OPJ7=I<A"[<
M<VDI027>>I6_79O%UY:+27>"_DH507?T(?U6K1P16/;MO=,<A4I*:?F*@W()
MBG4+YF#X9YOJT[]OIMW:;:#CNK^VDK;XIXXEZQA=M77^FK\6WPHN)U:;QUE5
M^V\;1-/.GBQWU>?.).7<5QN_8N63%0R:`1!'SYHW"0CED444G8(B<OU"7D'B
M(!GXZ]6=(]3^GM_M;5G;W]O8N[ETE<5%+1\M._@?HST)U_H_4.F;J]&Y;OW(
M;=Q=M/PI\M3HZDEVW6-'A>MTMJ=NT7E*_5IBY4..1D5?U%5Y"(/#&1;JF3,N
M[#Z%)V<$A,*?AX^@\E`P<&YUJ5V_:WVWE7J6WOS\2X>7@L2UT[:VKEU6%^5M
M[L5)P=?FN*LE3^$6CH&DVUK=(BF-E7BK!RY=QZ!IA^=^^.5XU(")!=..7*OL
M*))AR<3&X-P(_#/T7^U_JC>=:L7]EU"YJWR\3;S:Y]Q\Q_<;H4>G6-O>VD+<
M-NI^75+\=*Z%VT.ZRUE.K67#`JGLGD_HXD%/,"&2^M>MB+*`;U`!3;`<0_P'
M/K1\Q5N:DFTZ)D?5G:%5MEZN&NH!"0,O3HN+E%I,4!&(D`D57#1PT9N1$3'=
MLG#8IE2F\0,541*(^!@`6_,M_P!R+];)F#J-<L-LL[]&&K56@I.QV"4<"!4F
M,-"LUY*1<&,/(>7TK8X$#_>.(!\1S:H2C<A&2:E.24>U]@NM1M.4L(M'\P_L
MUMB1WAO+;&UIE10[R_[`M5R`'1?!1%O-S3QS$M_01$@),E440#GU(G^09ZV2
M?T\4UBLS@QQL*"^?76AKL8P"I[BAC"FF(K&4`IBB)N>$RKF*!$S&,H'!"E$W
MI\0X]<KF3A-*K3H4)S'4.8AA*8ZRA%1X`B0@81,"22GE\I>#<B(_CZ9*3;HL
MS$YFJ"BR@-PX3Y4,D<#E5.;PX\EC<"!?+Q\A`1]/7X9MMPDIU:P(9=!\0-Y"
M7GDX<>?J4Q$RF*0Y@,/`D$!`1#\?$`_#+1B4H^X(JG2,!@5*5$G(J%`QE'``
M)2B!2F$ZP?RAR)0*(`'KFJ\G*%%BZFVRU&=7@J%2#9J=(J:Z``BF(()@90IO
M:%0PINU"D(/Q.H`%)SR/J/H/KFNQ:K/QX1H;;TXN-$U6I9'+5PW1Y*?S;@)@
M35,4A$B$\DR>!R%$!+R"8@4_@!3<<`/.;+]J*BO+Q=3"S)1DW)\"XMQ4,U6(
MIX@"JB!4^0((*"58?FY`H?R_CQZ`/H(\9A9C*+>I4P,K\HRBM+KB?1DN#ME!
MX(FLB=/VEO$R`AX"!AY]0+\WH`%*8/Q#+!6/T4_IFJ93*%3(HNF(I@3T'ANF
MD5,H$0`_@!5`]!^40]1P"I,<"F,($5*J*A5`_I\D]OZ;Q\!\3"(JE`O!0X+R
M'Q-@'O7_`,IZ3QZ4=B!XX\NT\F;^'']IM8`'`\!SR`>O\?3G./U']6/^/Q9;
MV_ROO/4SG/-XP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#R(?YM@0#4/283$\B_W:VL(CP(@7BB
MPOJ(E*)@#_#.GTWYI]R*^XR1X@W)O`/)(0$3`HBF?P\C`H4H^X/H!#E\B_#C
MT`/7G.M*Y"-MP;\3*R+4HH4#F,<?`P""O''B4IC%%-,PIG'Y?Z0`81*'\P\Y
MSWF9%"8WSF4(@()II>("<@F*)RJ"<Y^0``$>0]/RS%EJS\GM*4@\#^/F!B"<
MY3APIY!ZF,4!+P4?+T_C\<&;G%.C>)5J.%2-DO(O((N7(E,H'``!R(E%,"\!
MR(@7GR`/B(_@.25;C3FVLBC.90Y3%$3>(^(F*GZAXFY/R`#QY!P41'!@?I01
MY6*H(@`$`Z8B3DPJ%`#<\#\.0#U'_5@%6V*L=0J9%!+Y%]T1]PQ`,4W`^!C`
M)3&,;CG\_3(Q+<[D'9C%/Q*)D93E$OB4R9#""1"%*8!$QS%!,_\`4,)O$``.
M`'GU\O7+\/D7<43F4`QG`B0Q@`$>/ZI#%2`P%$"E$2<"0!$H_P`,CS()TKB3
M0](7V*)`Z>OMM(I&(4Z6YZMXIEX,/@I5VP&.!1*'R^11^'/D&<C>7(*DF\).
MB[3*CJUQBJOL/2UO@ZTQ"5&HQ2K].42EHR[">-=,6"WU$.Z-^B(_4R'_`$?@
MN\(JH)5N`$I"\"7GR#Y)Z]]9_P#;]_91A2=[S-5Q<817X'WYX5/<^F_3=_KV
MTW$KM;=E16A\)/L(O;*7B%D[Q*2#RT2UEMPR,%64Y!*"CU:B@_CTH_\`6T5X
M@?;.LJND)TR,BG`#&`#B<?G+\D]4^O-QUG9[:WU%VX]5L[C4I4JE'V)GT+HO
MI:.RW]RY8G3:7$E)2P7V5.NNS6MMIRO,=<SQK19]SRFWS15L;N/J1GBTMZW?
MH5U]4UE%H^$?BYD7*17P+`"_@J4P&,4GNE[CEZ?C^U$U-;2?5+VYG*<)PBK]
MI-X52\6)-S;^H?\`O^W?VUJ]+I5K;6[:O*X_)NP2QC%NGC7-I5YG'I.J[`UO
M;J]<IZ;<J/J_*HDA8I*3<N8UO7%)(SEPO)H'4455LCQRH`F46463;ID`B9A`
M?+.!Z(Z[M^G^IK"V]'8OORY-)T3:\/O]QU/5/2KF_P"CW]YNI?G68_DP?X7%
MTK+G)QKD=]VX+08^L8&38N3-5IA['NF*B1R^\LFM%N'!$_CZ"!W)0$0^'CGZ
M:47)5CBCX6[D)1:B\T7?5%*;5&J,E"D(K-2RX24P]`H$.NNN3Y4!/Z"9)LB;
MP#G\>1^(CDVU6:Y5*<K5W2],76F!UV_>:V^_U=T$W[8VSL\<S>0\/KB,$R:J
M)YJW[%E&\(04P'^J,?7*^=XY$?0BKH4Q#D$><[&QA:W-^MQXVW6/>LC5N;US
MR8VY)UXG\]5RNNND`.C)@HJ)E!71'P*=-(`.)?$_RG*F'`E`/4WKG=N?ION*
MEMI33>52SNC>)"-_E)R4%7!?`#&*0>1!0IQ#DR@E+R4OJ(<^@Y22;=%F69S@
MX-)XG`FF8X)`)3)E_G67``+R!4Q%,@B)BB;Q#GD!'UX]<W0C*$M4L(E4N;<@
ME(#@_M\K`8""3R`Z;4G`BJ4OME.F=90@%]0$OJ(<A\<L*<).B>)%#[*`JEY.
M4?Y1)Y`!1`J@F`3`8!,<"_$2B/X#^62VHJKR(/WQ]D3"4O`IK':M2%4%4QE5
M4_%0YP$QU.$?/GR^'X@(9"G&3HGB2?*9P!(Z:1O'V#D135.!0*=4@CR)#E*8
MR9O(WQ-F1!<FI4DO:^L3(LD*1RE261*LBY4$1*J54#`8H)'4-ZF#T'Q'CC)2
M<G19@M@D(D4PB8$R`8QDA(($$!*`B!@3\N!2.MXAZ\@0!X#XY+C*.,D.*7%E
M.D8%U")>9?$&X``^WYG,8J8&*05P]GVU"F5X\2_@4?4<Q#PEI?S'RN*AD$B)
M@F0`64^8%#"!R"1(!$`-Y"(`/D`"(<\FP#E!,R:AQ1(J`>13G$J@#QP3Q^;G
MD?1(?3@!`3?E@'O;_P`IV(?^2KL64IBF33[4RA$Q!,J0B`:FU@(F$A0X#S,(
MC\1^.<?J/ZL?\?BRWM_E?>>IS.>;Q@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@'7UW]^VEUS^Y'
M7M:5GL0[V2UC=4S\]8ZN;7%M:U1T>0L<6VB)$LJLZ@YL'K;Z1J7VR`5,2GY'
MD?AFZS?G8;<*8\S"<(SS.L8W^5K^V:82F_6>T)1*42E$NX8;T`P`!OC0!_F`
M.!S9+>7INKI[C#R8=I\'_P`K3]LU3U/.=HQ'@`Y'<4+R(`4"\"(Z^Y]0`.<Q
M^JN=A/DP[3Y-_E9?MDF`0_6.T(`(@(\;AAO7CC\Z`/H/'KCZFYV&<8J*HLCY
M_P#G6/[97`%_6^T?!1$Q?_@Q0O)1$>1\1_M]SZX^IN=AC*W&3J\S]-_E9/MD
M&(9,9?M#XF4]T?\`X,<0(^0\<^HT$?0>`Q]3<["/)AVG&;_*O?;%/SYRW:`X
M"'``;<4,(%X^`E#]@>@ACZFYV#R8=I^#_E7OMC&X\ICM$/!"$#_X,</SP3T#
M@?V!R'(?'\!Q]3<[!Y,.TYB_Y67[99#%.2:[1D.3D"F+N*&`0Y^/_P!3\<?4
MW.P>3#M.4?\`*U_;.$O@,UVAXXX#C<,,`E^'(E$-?@("/&;5O[Z5%IIW?U(\
MB':<@_Y6_P"V<)3!^L=G^3E*`F#<,.!OD$1`0']@\`/S9K^JNMUP]P\F':;?
M]7?LE]-NHK*?8:JDMUN4+)/1]BD1MVP8^;5+(1C,&+;Z91O58P44/9#YB_,(
MC^(?#*]U^=&,9Y1=5WF7E1K)X^)49N-)=,M3RL\O874I??K5DVR0(IV)J1HW
M(S1;H-P;)?I`J)^VFW_\8\BH<1]3>G@_4'[>=!]2[A;GJ,MRKB_LN**]VEGK
MND^L.J]&VWTNSC8=K_5!M^_4B^H]4=8-B'^F<6ENX4\_-\G*LC/A%0"@8P.%
M8I0Q#?*`\EX'GU^.<6W^SOI&U<\V$MYJ[;J?WP+D/7W785HMOC_H?_[C#IWH
MMHVR+@ZF2VU\](9,Z3]::9*2*"B1@,11&0/#F>IF`0_!3C@>../3-;_9GT@Y
MSNZM[Y\\Y^:M7OT&VS^XWJ2S.&F5IV(96W%NW_PZC"9O[;77B?0;(/GFR2@T
MD6<FFHUMK9LH9PQ4,L@184X3Q60]TW)BF`?+X#Z>F=7I'[8>F>BWX[C:?4.Y
M"&E:YJ7&M?E7B[>1JZEZ^Z[U7;O;;E6%;=R4WI@TZRP:^9X8X+@3@XZMZU=5
MFLU1PZM:T75"^,692:0.[,4"D(4':YHX?J/;(F!2_*7@,^@1M1@FE7$\2L'5
M$@(:CJC=NDV3/*^TB4I">3U,1X(4"AR(-@Y]`R%9@G55-WGS[#53M_\`;AZ_
M]VM7,M0;CDMF,Z:RMT;=10I%M9P#YY-1$?)1T<#UT[@I<JS-JE*K'*F!"_U1
M`W/H&;K$GMYNY;^9\RO<BKF,CJ]6_P`K;]LU?CSF.S_H``/&X8<`,`&\P*8/
MV#\/+\N,N/?WY+2]-.XU^1#M.!7_`"LWVREA**DSVB,)3@?G^\4.`B)1`2E'
M_P!P/Y2\>@9@MW=BZJE>XGR8=I^__.L_VR^./UKM&(<@8`'<</P!@Y#S`/V!
MQY"!A`1_+,Y;Z_)4>FG<1Y$.TY/_`)UK^V8`%*$QV@`I`3*0H;AA^"@D!@(`
M#^P?+@/+\_40#\LPCN[L7J5*]P\F':<W_P`ZY?;/]0_5^SO`_A_=^&X#Y?$.
M`_8/'H7,I;Z_):7IIW#R(=I^?_.N'VSN"@$MV=`"$`B8!M^&#VA\@,=1/_W!
MY*HH(?,/XAF,=Y=BZJE>X>3#M/G_`.=;OMF^0"$OV>#@2B!0W!#@7Y1$0#C]
M@^H"(^O/QS9_N%__`$^[^H\B':<I_P#*Z?;/.@FW/+=G#))'.J0H[?A__6J%
M*0R@B%"_F\"@`?@'Y<YE'J6X@ZK3[OZCR(=IQ*_Y6W[92P`!Y3LV(E`0(<-O
MP_F0#"4QBE']A"`%$Q0'CCCG)EU/<R5'I]W]1Y$-2EC5'X'^5M^V:!BG_6.S
MXG+Y_/\`W@AP,;S`I3>7C00*/RE`/AF'^X;C_3[OZDRLPE-S==3.4?\`*Y_;
M0$A"!,=G2>V!@`Q-O0I3#Y&`W)C?L#U$H_#\@''^X7_]/N(\B':<)O\`*V?;
M,,)A&8[/\F#@>-Q1`?@4/_W"_P#A<?[A?_T^[^H\B':=J_0O[>VA/MS:VN&J
M^OCF_NJQ=[RKL*:4V'9FMHE0GUJ_!UHY6;QI"PB;=A^G5YN()"F8?=$YO+YN
M`KWKT[\M4Z52X&R$%!41O-FDR&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@'7;W9[J6_1ELU3UPZXZW8[L[A]@/U1SK:A3,DM#T>ETV!Y+9-N;9F6@_
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M)G]2*-895V21<$.`>@D3$!RS55IQ/J,M]LH;A;2=ZTMW+*#G%3?=&M7[C)3&
M*4HF,(%*4!,8QA`"E*`<B(B/H``&26LL7D8I!WVC6:0>Q%;NE3L$K&@89&,@
M['#RT@P`I@(87K)@\<.6H%.(`/N%+P(\9":>3*EC?['=7)6=M>M7+L<XQG&3
M7>DVU[2*[)K:_2O8[66THW>4S7M<U/7]ZK5ET`A'(*P>Q9^PNHI:#O+^3-*H
MN&KRF),U4T4RLU@4!R/*A..#8.,G=4U*D%%IQYMTH_91^\YVXZ?O;G7MOU&W
MO)0V-NS.,]M3PW92K2;>I4<?\7DJ-8UF.7M%9K\>]EIZQ04)%1JI$)&3EY>/
MC8]@LH8A$T7KUXX1;-55#*%`I5#%$1,''QS.J6+.K=W.VL6W=OW(0M1=&Y22
M2?:VZ+VE6:8B"-UG1Y6-(U;L2R;AR9\V*W0C3)BL6066%4$TF)D2B<%3""8E
M#GGC)JC-WK*BYN4="CJK54ISKR[<BDK]HK-LCAEZM8H*RQ(+*MQDZ_+Q\S'`
MX0`HK("]CG#EL"R(&#R+Y>1>0Y#(33Q61AM]UM=W;\[:W+=VU6FJ$E)56:JF
MT<-?N%2MGUPU6TURS!%N/I),:_-QDS^G._F_Z5]^G.G/TCCY#?(IXF]!]/3"
M:>1&WWFTW>KZ6[;NZ726B494?)T;H^\J)^RURJ,#RMHL$)6XM,P$/)3\JPAV
M!#F^!3O)%=NW*8>/0!-SDMI9D[C<[;:6_-W5R%JUSG)17O;2*F(FH>PQS:7@
M):-G(EX43M)2(?M9*.=$`PE$[9ZR56;+E`P"')3"'(8SR,K-ZSN+:O;><9VG
ME*+4D^YJJ9;IJX5*MQAINQ6FN0,,1Q](>7FIN,BXPKOR,7Z8S]\Z0:E<>1#!
MX"?RY`?3TR*K/@:[^\VFVM>=N;MNW9K35*48QKRJVE4N\?(,)9DVDHM\SDHY
MZB5PS?Q[E%XR=H'#DBS9TW.H@NB</@8AA`?SR3=;N6[T%=M24K<E5----<TU
M@RLP9F*V"]4BI.&32U7&JUEU)F`L:VL%AB(9Q(&$W@!62,D\;*.S"?TX3`WK
MZ9#:6;*NXW^QVDHPW=ZU:G+)3G&+?<FU7V&0JO&C=O\`5KNFR+3Q(?ZI5=)-
MOXJ"4$S>\<Q4_%03!XCSZ\AQDEASA&.N32ASKA[SH^Z4ZZ@NW'8KM%VNW+M#
M:D]>-,]YMJ:>T-1XK<5QK6MZ+KS1Y8*+A&;77-;GXZKV<MG7?.7,H9^U>)/3
M#Y<`(G,:K"VKEUW9N3DI8*K222IDL'Q>-?L1\2]$;6SZOZ]U7U/UC<[B>\V7
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MD/91.N<3B`F$1'78DW=O:G@IJG9X8G!]']1O/U+ZE6^OR>TL;VTH^9-Z+<7;
M=5'4],$WG2B.T2#L$#9XU&8K4W$6&(<B8&\K!R3.6C5Q(/!P1?,%G#942#Z#
MXF'C+2:>*R/I%C<;?=6U>VTX7++RE&2DGW--HI+';ZG3VR#RVVBNU9FZ7!JV
M=6.:C81LY<FXX;H+R;EJDLN//H0HB;^&0VEF8;G>;39Q4]W=MVH-T3G*,4WR
M3DU5E]070=((N6RR3ALX237;N$%"*H+H*D!1)9%5,3)JI*IF`Q3%$0,`\ADE
MB,HRBI1:<6JIK)H@'MGL*SZDZN=C-ITERU9W'7&C]I7FJNWS)*19-;#5:5-3
M<,X=QZX@B^;(R#),QTC_`"J%`2CZ#F,VU!M9I,\_ZNZCNND>E>I=5V+4=[MM
MC?NVVU5*=NU*46T\&JI57$ZI=&$^\9M_K9J3LM1>WG62V2VRM6U3:47IJ^=9
MU*S"O#66`:3Z-0?;!JUW"3:K#]3],#U-FDGY_.($+ZA5C]7*"G&<,56CB_OU
M'R_H3_=OJ_IO:^I=EU7I]Z]N=K"]#;W=JH1K.*DH2NP>KC2J44^Q8G8CT$[9
M?^=3K#1]Z/:B:@VI\_M%.V!2@=FD&U;V!0K#(56U,(Z0.0AWD2K(QHN&IC`*
MA4%B$.(G*81WV+OG6U/)XIKDTZ->\^@^A?5+]8^FK'6[EE[?<R<X7+=:Z;EN
M3C*C_ME12C7%*23=4S:%Y?*-'3[>J2%SJC&T._;^DK;RQ0[6?=>Z`"E]/#KO
M"2*WN@8!+XICY<^F;*I.E<3TL]_L;>X6TN7K4=T\H.<5-]T6ZOW&5Y);,2:7
M^B2$^K56%UJ3VT(`H*];:6.'<SZ()`8RHJPZ+P\BF"92B)N4PX`!YR*JM*XE
M2'4-A<W#VEN_9ENEG!3BYK_RUK]ADZCENBHBDLNBDJY.9-NFHJ0BBYRE\S$1
M(8P&5.4H<B!>1`,DM.44TFTF\NTM</9:Y83R2<!/PLXI#/CQDPG#RK&3/$R2
M0`92/DB,EUS,7R91Y,DKX*`'Q#(33R--G<[;<.2V]R$W"5):9*6E\G1NC['B
M:V=G=EP+OJUVN?:]V!$.;13^OFZ9$KRFVIDM/5:9C]<69S'/RKPC\\A"2;%Z
M@51%7E)5-4@&*(&`!S&4EHE1XT9YGU3U.Q+TIU>YT[<0>ZL].W+K;N)SA)69
MM.L76,DU5/!IY'7/:^U6[-._:$Z:7+5T^-A[3[^H_3[3FJ9R[E4N3N>VKMQC
M4TI&:GTYE9PXL3LM?0E7JZC@YS&4)[B@CP/->=R<=M%P_5:BEQQ=%6G&F;/G
M][U5UCH_[2]$WG3KBN>IM_8Z?8LRNO6[EZ]&#EJ<M3E*4%<Q=?%1NIW#%NE7
MJ1*[5KOL6I$N:T7'HJA+3$#79.QOTFR2#R490"CQ!1,D@\(=0$D"&(GY>)?0
M,M52P;Q/KJWNUV:M[7?;FS]:X)/5*$)3=*.2A59O&BP62,^`0$`$!`0$`$!`
M>0$!]0$!#T$!#).@=%?W;N[G;GJGN#K-7>L05F6B[!1-\[?VG2YNKLIN2N5+
MT$TIUTM,1`R2Q3/8>0/132XE,AP<3`!@'R*7*FYNW;<H^7R;:I6J5*I8K&E:
M'P_]U_6WJOTKU?IFV]-^7.U=L[F_>A*,7KM[:,+DTI.,FJ6];>FCHL,:'<_K
M78-6VUKRC;1H\BG+T[8E2KUVJ\FD)1*]@;/%-9F+7$"&.!%#LWA/,G/)#\E'
MU`<M)J24HY,^Q]-ZAM>K=.L=4V4M6SW%F%R#YQG%2C[:/%<'@=8'W>>ZNX.J
M.GJU!=:%(,>P-Y1V#>F;B>AVUAC*EIK15,?;"V]=)"*<^38Y4VB#"*:^\7P.
MZE"^(^9`RON;DX0I;:5Q\\:)8MTJN[O:/F7[M>M>J^D^D6K7IU1EUV^KMU5B
MI*&WVUJ5V_-IJ4:T481U*C<G1U2.P#J]>['M+K1UYV9<'#9W;=B:.U/>;0Z9
MM$H]FYL5LH<#/33AJP1$4639:2?JF(B3Y4RB!0]`S?!MQ3>;1[STMO\`<]5]
M,=.ZIO&GO-SL;%V;2HG.Y:A.3262<FZ+@2=!7:FVAW(,*S;:Q8GT0?VI5E!3
MT5+NXQ0#>'MR#>/=N%F1_/TX4`H\^F2FGD=2QO=ENIRM[:]:N7(?,HSC)Q[T
MFZ>TY[%;*M3V1)*VV6OU>.46*W(_L4S'0C(ZY_4B!'4FY;(&6,`>A0-Y#^6&
MTLS+<[O:[.'F[N[;M6ZTK.2BJ]\FD7!G+Q4C')R\?)Q[^)51,Y2E&;ULZCE&
MY"B8RZ;U!4[8Z)2E$1,!O$`#XY)LA>M7+?G6Y1E::KJ335.=5A0LU=O-)MYW
M2=3N-6M"C$PD>IUVP1,V=F<IO$Q'1(UVY,W,!O00/P/.0FGDS3M]]L=XVMI>
MM77'/1.,J=^ENA^6*]TBH*LT+9<JK5UY`P%8(V*PQ$*J^,)A(!6:<D\;'<F$
MX<<$`WKZ8;2S(W&_V.S:CN[UJU*62G.,:]VIJOL,G34363(JD<BJ2I"J)*IF
M*=-1,Y0,0Y#E$2G(<H@("`\"&26DTU58IF+.+[16=A0J+NZ5-K;'(IE;5AQ8
MX="PN#+``I`A"JO"R2HJ@("7Q2'R`?3(JJTKB59;_8PW"V<[]E;MY0<XJ;[H
MUU?89,BX;N/=^G717]E91NM[*I%?:<)"`*H*^!C>VLF(_,4>#!^(9)9C*,JZ
M6G1T=.?+O,>+=J::Q&IY;;6#6TJ?O&JY9Z*&Q%1\/=]TT(#O]3!/V_F\O:X\
M?7X9%56G$K_6[-[CZ/SK7U=*Z-<=?_#75]AD^26A@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@'3/HE-":^]WWPD[&(+SU*ZJ=9*OK?ZK@RK*
MAV,SRQW$(H#\B1HXNJ28KF)P'NCP/QRI#_K;E7BH1^^7WGR#H<8WOWEZW>W*
M7GV>G;6W9;S\J483N)=GF4]K?,[F,MGU\Z?/OKEEC_;DV,2`73:SQ]H]=B03
MI8A%46LT?>M!+$N54E2G2420D!3.8I@$I@#@0$,K;O\`0=,ZQ]^I4^T^1?OB
MKS_;O<K;NE_ZC;:7V_46Z9IK[&<>W/M(]/%NL^S$;/KYO;M]!0+5<9/M3//)
M)WO^3W"Q@7LX&T!V*9Y^X&4@%I;E=I,&ZJ<8W1`K5-N5N4$PB>ULRB]45KI\
MWXJ\ZYKX#JO[5^E(^E]S#<6?.ZXMO.Y+>S<GN9;B,7/SG<;K7S$I:/TZ+3IT
MX%YTGM+4._/M$Z2V-WSND.QUK?-&:[<[JM%MN,E3&EF=03^.`QI>P0\G$3*[
MRWR]=2,Y:M5@6DC.%&X$.54Q#+5V-S9QNWVE%P3?!98EKI>^Z1UO]K=IN?7%
MY?[=>VMM7YW+DK?F.W-):I0<9.5R4%JC%UFVXT:=#IQ[A;8^UU3]6T_<OV\]
M8S^K]_:>VOJ.Q:PW)JGKAN;5]&GXP^PZ[#VRLW'9$E2JY4[)5+14Y%VD9.37
M7*]6!-(@F%42GK7/IHT=B.FXFJ-1:5*XJM*4:[?M/COK#KG[:[7HUKK?H#;S
ML];V>ZL3LW[.VW%FW)>;&$XW+DH0C.$H2?SUUM*.*DT^XO=(C_\`]F^D(<CP
M/43M1R'(\#_[?H/Q#G@1#+$_^MM_^W/[X'V+J[__`.M='_\`QNZ-+NNG2S5W
M<#O)]T!/LC%+[)T?K7M/'.J?I61DI1C0G^U+=JRL(V?8EJC(=]''L<S#56*C
MV,21T91NR!Z]5*G[JH'+JA9MW[MZ%U*5O6L'DWICB_90\;Z=]'['U1ZX]0W>
MO:[_`$C:]1U6MOJE&WY]R%)W9J#BY2C",8PJVHZYNE699;^J>O\`?/WB+WI>
MY(NC==:5T4T'8[9IIB_?L*OLQ>E;"N5;U=6+L5HZ0?35(J?ZBX?GC5%A;/7C
M1F#HBR:8D')VX7-W*$EX?+C5<\943[%CAQ-V\]+;+KG[MW.C[O4O3ECHVWG+
M;QDXPNNU<<+,+E&G*W#5JT-T<H0U)I&&]@NCVK*1]QKK7UET(E(=?^NG<K56
MRY7M?J+4<B^I51V7"=>'43;(-@V8PCIH-3<7!S,(P\TO$F9*O(45D!-_76$\
M2LPAN(VK?AA.+<DL*Z:>ZM<7Q6!5]1>BNG;;]P.F^G.BN>Q]/=7V]WZVQ8D[
M<+T=M^9%4CC#6Z6YZ''P.26,I:IB[)=9](='.U?VX-L]2]=US0LMLWLY']9M
MJP>N&AZY5MF:PV!2+,],RN=>9*EB9J3KDI74G;%XJD+HCDWF=0XD3$DSLV[%
MVW*RE&LJ.F%51Y]S2H_YG9]2>GNC^C/4WI_JOIBQ#9WMQU*.SO1M5C"[:O1=
M?,C6DG'2W%M5U-2=7&+4]=]I?[4<!MRFV#O.UH6PMQ$IB5?U]K"?A+MN2P$K
M02\I*"_A]'5%E:6R3B4D'ZI32[F)*JN1N5(KCP1\`VWOIM25Y)SI@LWWI8_<
M=GUU?_:W:=6L[OUMY-_J_E*W:M2C=ORT.4I*FWMJ:3DW+QR@M2C352.&HOVW
MK]H>)^Y=OS5?3RN[`UIUIV#U2K&Y9/45NUY?]4UZN[FKNSDZ7(V2@T+8<7#/
MH:%LE3F6XN%6+9-DY=)F*'J@!2:]OY:NR5E.-MQ3I1Q2=<TFEGQX8=YY+]O>
MI=%M_N;OND>E+=[;^G=QTF&YE9G"Y:C'<0O*TY6[=VCC!VY+&*2DVUE!*-E^
MU_T;TAV,K'8C9O9BI16](BK=QNUE`TQK38*(S^M]7UQ':LQ,6R7B*8Z4-`.K
ME=+5,.#.Y-T@N[38LVB"!TDR'*;';6;=V$G<2DE<G1/%+Q.OO?\`(Q_;7T3T
MGKUKJ'5/4EM;VW:ZINK6WM7*RLV;>O7-QM_*[ER<O%.2;TP@DU0V<Z#4F*ZQ
M]^^^?3O5JC^*Z[0M.T'OW6NMW$D_D(;5UAV8QLD9?(6G$?KN%(RN3DG").RM
M"&]IN)2E(`?,([+"5N_.Q#"VHQDERK547)>'(]+Z%V,/3?KGKGI7IKE'H"M[
M?<V;+;<;,[J?FJ#;;TSDZTK1)12RQ[,^S6WR]?\`KKO/>(LTY%34NI[]L)K'
M+>?LR+^J5F2F(^/7%,Q#E0?/FB:1Q`0$"G$0RS.6B#ER53Z+ZFZO_L'IW?=;
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M5@++^>L@:ZV@+8W_`&]S*"`>U92_6A[X+?UA_P##P4*6WMVW>NU2\$TH]GAB
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MT'39MQ7:9$5BJ,JY*4]"R6U-FI)R<D!572RJI#`*2@K>>J'DWG*YN*.3DTD\
M4DFTJ++'-O/&F5#YUT3U5^V?7^H;WU%^XF[L7NJW-S<MV+%Z%V<-MMHM*$8P
M490URI64N+2DE&4IN6[?VEMR:K0[.=S.K_66_2&Q.GM9CM;[JZ\"N>UNHO6!
MKJD\B]HZKK;VXM&TP2JQ=K01<QS,1,FS35.!1,8ZAAV[=J-V=F%7:23796M4
MNQ4K[:+`]M^U/6^E3]1]7].^F=S]3Z1MJU?VOZE+.I)7K47<2EHUR6B.2TMX
MRE*3[.>_O_UC'<;GX?\`EAWIS_\`XTLN6;GZ<O\`%_<?1_W!_P#\)UG_`/%[
MK_\`AF=+V@YO[T*'V]>O$5UVUYU#"D*===9(T>RPEPM\AODE&6I<4,9)QM?O
MB5?U2CLLT*<JA4G;U6,(_$"^I`RK'ZI6HJVH4HN+K[J4K[3XUZ?O?O(OV\Z?
M;]/V.D_1/IUGRI0G-[KRG;CI:C=<+"O:<:-N"EAD7J+[(:YZN?9'DIOI`_OL
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M3AFK)$=).$DTT!*H"A`.,;>?AG:N.OERTU?*B:]R=*\<SD^A]\WT'K?I/U9N
MG/9=*W%[;2W%RXX2EM)QDH.Y=K%QFHJ2U)IQ6E)U53K.[;V;[+*O5S;2O3O6
M$E$;AUQ3YFV:7["Z!Z^;V:K579M-;FF*W+.NP*%1:LW,6>6CR(OW\A+.6?TZ
MJBIU.2@H6M=^D\MNRJ3HW&48O!\'J2I[W1K/`^=^J=W^SS]-;N/I/;SCU3:6
MW*SN-MM]S%PO6O%&NY<%556F4W.256TU))K;3O\`!L#L1!_9*!G=IFB7C>NQ
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MRQ.ZCUWT59:>[GX.-F'56L*.L(ADVGZ\O(-G"T+-H,GBJ)738R3@J2IR`<"F
M,`[K:3M1[$J>X]?^WVSVFZ]`=`GN;5NY.ST[:SMN<5)PFK,4I0;3TR2;6I4=
M&\3I?ZO4/H;"6V]]?ONN:4KK'O5L+;6R)"6V_P!GZ^ZDZIV`CK!<95:D2FC-
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MEX`,QV_@<MO_`&/#_%Y>Q8Q]A=_;2Y<Z+>ZEZ`W3D[G2MRY;=RJW/9[ANY:>
MJ7SR@W*,VG2+<8X4H:2[M<G[.4#[Q_=E<YG="U]URW'T>ZU.?(#M'-4UG`R<
MYON[19@`4G#2[;;6*R0=I\"JTA`3$3%#-4_S(W;WX5%Q7L^9^_!_XGBNN2?J
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MC<MNPK4;\7>BYPC<M77*%)QE#Q2<VY/3I<M,I)[1]F5M`5WOU:-Z_<PT[.;!
MZD;.TUI6,ZF;.N52E]E]?-%R:L.Y<;3K&QJW'-Y1A2[C<+.^1=-Y=\P.0S1/
MQ!4A`-[65[R5>U[F-;32HWC%9UKR[WW'JO4$NBV/7EWKG[B[2Y?]*[K9[>.P
MNSA*[MMNW&/G6[L(U4;ERZU*+<'1)NM*N,V=W.N^OF'0_7$7T8U>%XZE/.QF
MOMV=@]/]79Y5=UNOKPHZ=K[.A=<A"3@)S#:6>-(Y9S$QCA$KE%HH1,I!`X#L
MNVX1L*-F/Y6I-J.%57&GWM<5@=CUOT#9+T1MX^B=OY_I674;6YW=C:2<GN=I
M1J]"UID]6IJ'@@U\M52C)ZZ#UW[4.RYY+='1S7>F:KLVBPDA5;%'5.JK:TVK
M1F4V#=M*P6Q*"Y3AYM%55=F5$7$@T<)F62-["YA\C#-B.TD_,L1BI)4P5&N-
M&L&O:>A]$6?VQZGN%U?T=9VMOJ5B,HR4(NU>MI^&2N6W1O%..N2DFT],F:Y=
M@YK['D+O3;4;M^A4OL/V)M$^]>[2CH+5NT^TEX@959(C12'56JL%>8_7`1:3
M<J"<8S6C3,SD$!2(IY&'"Y]$YR\R*E<XX.37WT/.=<W'[+[;KFYM=4M6M]ZA
MO7)2NJ-J_N[D99-:H1G&UI^50C*#BU2B=35;0/;:>Z]_:F^YE:-(S=T+5.M?
M8?:FL.IW]QF5B97;75&V`XURTU_!2$5<T$K%'+Z\EMD++M6DDD59'VBIJD\0
M\`QC<E#;7':KX6]-:\<5GBJ-Y<CR7I_U;=Z!^U_J3<]*N7H['IO4KVWV3N*2
MN6+-UV86U2YXJVG=<TI*NK!K@=BFE?LW](6W7FJUC:VG(?9VW;14HJ=V9O\`
MM#V4?[MF]F3<<C)V"Z1.RU'@VFN2#6?<G5CP9N$B-BII^0*'`YS[8[.PHTE%
M.?&3^:O.N=>5,N!]'Z+^TOH^/IVUM.J;6.XZI=LQE>W,I2=^5Z:4ISC=;UPI
M)UBD^"U:G5OJNTSNS:'2'[2GW`)"(V!).MT1/W#=TZ%C-O6!9:1EVMLL]GUG
MKZ6VI*N#$<N'4XPB1>S`*>*AS/R%,(&]0'2ISM;:>/YFMI/O=$_9FSY1T3K6
M_P#17[4^H+FVOR?5H>H-SMO/FWJ\R3L6[MYR\3UI*Y.+Q>NC=2]6*$^PDUZY
MS-"JN[*H7L"TJ[Z8K_:HT;N`O8A;=C5@H_C=G.-EA6S6/]3=VY,CI5F5P#$4
MCF0*D4G'#RMIHPIYE/F_%7G7.INW-S]B(^FY].VO4+7^^JTY0WE-RMR]REJ5
MUW%#5C=\3@FH4=$EF=ZOVU=YW3LET3ZT;FV.*JE_MFO$FMS>+MS-%Y6S5*8E
MJ5,SJ[8Q$@06GWU=.],4I2D`S@?$`+P&6MO.5RQ&<_G<57OXGW7]N>M[KU%Z
M)Z?U??-O>7++C-O!RE;G*TYNE%6;AK=%2KPP-X\W'M1@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P#JE[I];^P%9[!ZU^X'TPAH6Y[OUY29#4VX
M]%3\TA5XSL7HM[)_KZ=?B[(X`&$)L&H3@F>12[O^@L;P(<P@B5NXK7K=Q7%?
MLXS6#7]R_FN'#-<:GR[UCZ=Z[MNO[?U[Z0A"]UK;V'8O[:4E!;K;MZM$9/"-
MR,L4WG2#J_+5N=M9_=NK#5NE&W+H]]QBJ;"(0$GVOT>JEHL[K]0`/%1O#V:"
MD%ZK,L15]$G0.D4U"B!A`H<@!;E8*4+BD^&E_>JK[33']U]O"#AN^B>H;>^B
MZ.TME*;;7]DE)1E%\)856:12_<TC-F=D_MPLG5(TOM)O>[I>.L5S4T\[K2LC
MLZKM&NY]?6.=CK'7X!26!M)5:*;+*2()**I-BH*&,?Q()L;A2N6/#%ZFXNG'
MYE7W<2/W(M]2]1_MUJV6SW*WU^YM;GT[@W>@O.MRE&<(ZJ2BD]7!4=7@=FVV
M6+R3U7LN-CFCA_(2&O[DQ8,6B1UW3QX[KDD@U:-D$P,HLX<+J%(0A0$3&$`#
MURQ+)]Q](ZM"=WI6ZM6TY7);>XDEBVW!I)+BV\CS@3/6_>,3]N?[0E@L_7G8
MFT:]U'O].V%V6ZM(U55WLB5K[5C8(UK*$UE-`U4M<O0G[P'0PRI!5<)N1Y)[
M0*F+S(VKBVNWU1?@TN4>/RTR[&T_9AB?`-]T#K%KT+Z9W.YZ?N-WMNE[E7=U
MLU!N[*.J5)*S*CFX*J\MKQ*YC2&IJ3_N-=@]K]Z.HUKU+U,ZG=H7E>:V/6%H
MV;:-CZ2M^L"A7J?L:HS#:AZSIU@9-[AL.[NIULT6=$8,#1D9$LG2RSGR]HAK
M%VY*];TVE)*JJVFLFL*.CQ]QN_<GKW5?6WI&]TCTOTCJ<]NKEF=Z=W;SL^&%
MV$HV[$&M=VXKBA*2C'3"W&3<LC>_;.O+]*_=CZ>[.C:5:7VN:OU<[(UZRWEK
M!R"U4K\_8)JDK0<),SA$!CXZ5ETFBIFZ"IRJ+`F82@/B/&4HR^KMR2>E6YJO
M"K<:>^C]Q]!ZGL-[=_<WI74;=FY+86^G[B,KBB]$92^6,I4HF^";J^!]="M=
MWZE]D?N>3]OI=HJ\'L/ME"V:A3$]"OXN-N==2U-48Q6=K#QVBDA-1*<BU40,
MN@)TP53,7GR`0QMXRC=O.2:3N)KM6F*P]N!/HG8;[9^H/4-_=6KENS?ZBIVY
M2BXJ<=%-4&U22[55"D:[OS/[ON]]HNZ7:&VM9GHYJ&GQ%^7A7Z50D[9%[8M4
ME)5IC8#HA&NIQA'.4UUFQ%!532.4QB@`@.3&,OJY2H]/EQ5>VLC'9]/WT/W7
MWG4Y6;BZ?/HUJVKFEZ'-7DW%2II<DL:)UIC0_=Z:[OTS]U'H9LB)I=GD]?4O
M1_;*'M]W8PK]U5:O+6:-HZ==C9Z<21-'Q;Z=49JE:)+'*=<4S>`#XCB<9/=V
MY)/2H2J^_33WCKG3]]>_<OH?4+5FY+8V=KO%.XHMP@YPI%2DE2+D\$FTWP/W
M[BFO+[>]E?;;D*32[/;6-![\ZWNMY>5V%?R[:H4]A2[ZS?6FR+,D5DX>`9NG
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M5MU.*G%Q;A*47&232;B^#R?`_-.:[OT5]V#NALN3I=GC]=VSK7UCK]7O+R%?
MMZI8IVO/KL>>AX6=51+'R,E#$=I"Z124,HB"A?,`\@Y0C);N<FGH=N%'PP<Z
M^ZJ(Z3L-]:_<WJW4;EFY'87=CMHPN.+4)2BO$HRI1M<4G5<3?+=6K8/>&GMI
MZ:LRBB-?VKKVX:\F'*!"J.&D?<(!_`N7K8AQ*0SEDF^%5,!$`\R!SEB24HN+
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MSY$1C6<U),6JBR#8Z@*JIIF,4!`!Q*,OK(22>E6Y*O"M8T(WW3]]/]T]CU*%
MFX^GPZ5=A*XHO0INXVHN5-*DUBDW5\#4?KM=M@?:MLFZ>MVZ>O&\]B];)S<E
M_P!N=;=^Z'U;.[EBF55V;,J6-_K'9%?IR#^S5:PUB977*BN=H=)Y[AQ+PD"1
MSZX-[9RMSC)V]3::6KYG5II8X.O"E*8GD?3^]ZA^V.YW?IWK'3][N/3T]U<O
M;3<[:S*_&-NXT_)O1A64)1X-KQ2U42CI;[7NLW8Q'LE#VVSQFC-ZZ9KL%-,X
M>`=[XUVIJ^:OK=:/(^=3U<JTB[7GTJ\S75^G!9\BU456*;Q3\0Y&S;GK3:32
M[52I]1]->H5ZCM7=S;V.^V>WA-1B]U:\F5W"KE"#;EH3PK)*O!'%W;KD_;^F
M_:NJ52%E+)9[+UVW+!5ZO0C)>2F)R;E=>V!C&1,5'M2*.7TC(/5R)(HIE,=1
M0X%*`B.9358-+.C^XU^N-MN-YZ+ZMM-I"5W=7>F[F$(13E*4I69J,8I8MMM)
M)8MG57U:[T[KT_U,Z_:&K/VSN_EUW#J_2NN=;NFU@U-$ZOUF\M-5J49`NEW&
MQ[=92)QE=6D61C%<JL/=!'YA2`?3*\;LH6DE;FY46&"^UL^6>DO7/6>D^E>G
M^GMOZ;Z]=ZOM-C:LMW-NK%AW+=M1?YTY-J#:PDX5IFD<M<^U]N:[?;8[+Z9V
MM.U2L]K.S^\+IW`=?H#Q1Y2=:[NE+97KM3J@TE4??*[B(Y:IMF3]XB58A!=K
MF1%P1-,ZF/D7)[=PN->;)N78G6J[Z8=YMVO[8=5W7[=]3Z/U&<+7J;JF^N;^
M6F7@M;B4X3C;4EJI%Z-,I+4HZY:7-13E--3^Z/=ZS08^J[QZ+]UF/:J%B$86
M>UAK_0]ANU+NUV9-_I%I6@[<A!<Z\4HT]))@N1ZY>I?1(+"!BK>UYJ9+<M1I
M.$U=Y)53?8\L>%6NVAV]K^YF]VVPCM>M=$ZRO4UN*A.U:VTIV[ERB3E:O1K!
MVF\7*KT*M-:59:)[/Z`=KYS[>N^KM=-?IV_LMV7[B4SN3V`ZX5.:0<FF=6UR
MTQ;M+KA$RB:X,9Z5@ZG'I+F(50Y7#M,S=$5E"I"IHG8N.Q)TK=E-2DEQ2:\/
M?I5.39XGJ'H7U3?]!;W>[^QYWJ'J/58[[<[2$DZV5)M;6,E\SA7S,*R36F.N
M48ZM@^U';*V=INF.[^M_3?IKVFB[=:])V^I2S79'7ZQZ2HNJ:<2KO@LE=;FF
MFS1&UWE_`MEHFOUZLHR)GDBZ1^9-N0Y\VW+CO6I6K49*336*:2P[<_8=SU1Z
MLW?J3T=N_3_I'HO5%NKNRG&4;NVEM[=FTH/7;Q^:]*"=NU9M*3E.2RBF91LG
M4>UI<GV)5H[6=\<EU!:J,]VT1*KRQU=7M6W63]`=*WXA6QAJI6DZ/T2HO/:`
MCH/:'Y_3(NPFY[=I.D9X]G@DL?;@7-STKJES;^BG';7Z[3R?/6B5;--O:B_,
MP\%&FGJI1IK,V+^YKH7;NP*YUY[#=>JRE?-W=,MYPF\:[K4[]&,<;1I@L7$'
MLO7L0_<"5NUL$]77!3LQ.8`44;"D4#**$`=FYA*2C<@JSA*J7/!IKW-T[:'H
M?W(Z'U;?[?8=>Z!!7NL=)WL=Q&UD[UK#S;47PE)*+6;HFHIR<4:N]J^[^TNV
M?5_<.A.J?47MS'[CV5JVZ5JXN]QZ-M>K*KJ2M.JU(A>49"P3:!FMQO<G!D<1
M=?B8`9%:0DW:)@,5,A@-C.]*Y!PM1EK>&*:2PSQS[*5Q[#ROJOUIU3U5Z6WG
M0_3'2.JKJ^YVER-SZC;SLPLP<'YL7-UUWI0U0M6[>IRDTT\*/LCZ&UVQT7HW
MU-JUMKDU6K55.M^H8:PU2;CG$9882;B*#"M9&#DXMX1)TQE6+M`R*J"A2G35
M*)3``AF^U56XU5'1'T3T%MMSL/0W2=IO+<[>[L]-V\9PDG&491M13BXNC4DU
M1IT:>9UF]P^Y>NNV76S:77A;[?'=786XK[59ZL4[4VQ>K-F@&U7V$^CG4?7K
MH\V9)`XH=7CZC,+)O@F&LH90B2/)/0P\5[UV%R#M.W.4FLM+I[\OM/G'JWUA
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MQ=GL-O:WRNW(Q;A;<[%(:Y)4CJ>$:M5>1#OW4];=GM<[`U=W-Z14">V!NYQK
M_8G4C8E8J[!^_D'U!VS&O)#6U_>MXU!90&FE]JMDI05E`]LA7?"IDT`4.77N
M%<C)7;2;G333OR;[G[E4Y/[I=,]3[#?[;U?Z)L3O]:>WO;&]&$6Y.U>A*5FY
MADK%[QXX.3@I-1JU,VUNJ+K1_P!H#:?4O5<%+76RUKJ'?*/'QM<CG<O/W[8D
MO3Y5S8Y*/C6J2C^2F;I=I-V\!(A#*G5=>(`(YG.WHVKMQJVH-=KP^]G9ZKZ5
MET7]I-UZ5Z9;=W<V^E7;:C;BV[EZ4).;C&*JW<N2E))*N-$:Y;IZX]AV75K[
M678[2^M7]O[!=#*3JZ8LFA);VZ[:;O1+3I2L47=.O6`2Q"!'7YBTCR`V;+E`
MX+)+$*0ZX)HJ8787-$+EM5G#&G-4HUW\5VJAYOJGIOKT/2WI;U#TG;.[Z@Z%
MM[#GMI>&<K<]O;M[BVD\KJ4=-&JI.5%*:C&6SM2^YK3KY+U"I57IQWM7O-EG
MH&!F:[8.K=KI\9KLTK)LX^4E[Y=K,>.ID?!5M!PHY<N&CUZ)T41]HAQ,`9FM
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M`*M=N6-K8M.]<VEB<:P=VTG6U&L5%PC70Z2IXF?$*VF.X_W*M"]FNM/7;<N@
M:7J?6&[Z]V`[%[7U9-:07W.:]4X\%K>@1E2LB$79-@JTRT'3E#OW34"M@(!?
M,!0;@<OS;\;MN+247635*UR5'CVXY<,R+<-QZO\`W'V/J/TWL-YL-EM-ON8[
MK=7K+V_U'FVM-FW&,J2N^7-J6IK#C3RX5Q;[>.\WG0'KTAU0VKTH[:+]G:K;
M[^I:9#5.AIW8%;['6.8N,[*1&QHG<S`4:8]:2T2^:MU'DW),R,$D.#G*F3@,
M;$_(AY4H2\S'*.$G7.JPQSQ96_;_`*W<]!^G_P#MCJG1>JOU):O7-;L;>5V.
M[E*<G"Y'<549147&#G<DE%1STERZX]-MX]BNJ_W7]#]EJ4]TML/M%V?V/>X1
MPY:R#RI1LI9Z=K:U4J2K,^9DV1NU7IEPA4&#J08`=%V>/7]DP\@.3&U*Y;NV
MYUBY2>/>EBN[+O3,_37H_KO7O2_JCHOJ6Q])U'J?4[MZ"DG*W&4HVKENDJ+S
M+<+L%%RA522=&3_J_O-VYH>J:SI79/V[.TEG[95&OQM!"2J4'67G6>_62%9-
MX1CL!3?ZEE2@:K2YY1`C]]]2V,\8%4.F1%8Q0YSC>NJ&F=N7FK##)]M>7V]A
MWNF^M_5?3^FVNA[_`-/]4O>J;-I6U.$(O9W9Q6F-Q[K7HMQG12E@]%:*JQ-!
M.J_4S:G:O[7G??1B]IKSOL.G]P3>]T@+HU,LWITQO365JUO:CO(]RZ3%5"LV
M&W03MBDX4+_10<`H8OR"7-4+3N;><*ISUMI\-2=?<G@>"]*>ENK>J/VSZ]T6
MY<A_W!_O^YG&Y'"$]Q:=B4G%M81NRC**DU@IZFL*'8A2/NE/(VFQ4#O/HOWA
MJ_8V,CVT;;M743K-;-@0DW:VR)47SS7NP843T68JDJ\+[K1TXD6P$25`#"8"
MBH;;'<84G":N<M+?VK#[3Z)LOW.G:V4;/6^B=:M^H()1N6;6SG<C*Y15=FXO
M!*VWE)R27-I:GVOTR:=66GU6QOJW+4U]8*Y"3CVHSQ&J4[5GDO&MI!U79M-D
MLX9DF(5=P9LZ!)11,%TS>)C%X$;*Q53ZELK\MSL[6YG:G9G<M1D[<Z:K;E%-
MPE1M:HMZ94;54Z,R7)+0P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`8_;$;,XJMF;TI[$QMR7K\RC4I&?:N'T$
MPLRL<Y)`O9IBT50=O(EK*F2.Y22.111$IBE,`B`Y#K3#,K[N.ZEM+L=C*$=Z
M[<E;<TW%3H]#DE1N*E1M)U:K0ZPWCK[TDW#KT@(#[?5*EWK0\8MO6&MN[K$A
M$`JD*"MD@=03%.;_`%,V@!O>;,WTR=D"X%*J8Z7(#H?U3\*5M89U;Q_QI_\`
M,?-92_>.]9^C<.@V;TL'N(SW$E&.6N%F4/GIC&,FX*6=5GN!T^ZO5/IYH.GZ
M.JDS*VL\,M-6"WWJ?*F2P;!V!;Y=W8KM=YHB1U4T7D_//U5"(@=0&S<$D0.<
M$_,VRU;5JVH+'F^;>+;IS>)Z[TGZ:VOI+H=KHNVG*ZX.4IW)?-<N3;E.;JV\
M6Z13;<8J,:NE7LYFP](,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`U`[9:^V%)4NZ;.HW8O<.H'&OM6W&8;5B@
M(:Q7K4[+U^)F+`SDITETUW;9@ZZAT2-U"MGC9,6Y`X*!^3C;VMRVIQM3MPGJ
MDE5UJJT6%&BKN83<'<A<E'3%X*E'3'BF0#H^].](]?\`3O:#L+VCWCLXVW]6
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M8]=L*$P(*@9(3>WSXB4W`YMZ?"U/<?GQU6U"3:YTBWP->^E<C8_*EIFYQ5>]
MI$T=9-R+;HT53MA6-NC!6]LTE:QM2$5.F@6I[0U_)OJALZ#<E,8H-4(FWP3T
M$A/X^37VU/Y3`.:=S9\F_*W'&&<7SB\8OW,V[>[YME3EA+)]C6#^U'7'HSN[
M<T=P]G]O[ON,RGUG-JC4.X]051C6&K@:)JN[[:V'JBLW9T6-8!8'B-TAJ>TM
M$BJX66381[_S*4B:)LZ%[90\FU:LI?4ZY1DZYR45)KEA72N;11L[N?FW+MYO
MZ?3&453)-M)\\:5[F=J=VVW3*#9=65"==/5+%N6V/:=1(R*CW$HO(2$75INY
M2\@[^F`Q(^!AZ_`+K.7BH@BD8R1!'R5(`\N%J=R,IQ^6"J_?3WU9T9W(PE&+
M^:3HO<W]R-;.^5PO]5USJ*/UWL&?UA*[$[0:"U7,7"KMZZYGHZJ7^YI05B",
M"U0T_").U&*P^"BS54"&*`\<<Y9V,+<KDW<BI*-J4J.M*I8949HWDYQMQ4).
M+E<BJJF3>.=3+(5@PZK4_8NU=S]J-I;*HL-"LGLJ^VN772[.II-'2R15(%IK
M/6]2EI"7L+M^BT2:B#U9TN"*+9+W3\'PDWNIQM6;48W&_P`-<>^K>7L,DEMH
MRN7;DI02XTP[J)9G!3>V=$V=)SFNSU7;>I-A/-?S]XJ=9W)0)77<O<ZG&))-
M9*Q4U1TLY:R/Z$ZDF@/F8K(RL>#I([AJD4X&R9[6=I*Y6$[>I)N+K1\GW\'D
M^9$-S"XW;I*,]-4I*E5S7QXKD:7]0+Q;9.S?;E_7KC99)I8/MU;'M%I_6+'*
MO6T[/,I_KH5*R6'ZYZJE*S+1&1<@5ZY]Q=,CA7@X`H?FYNX04=QI236XBEAD
MJ3P15VTY.5C4W1V&WC_CBS9Y/[A^ACMT;4,-N!+2KF<)7V_9-?5EC2T"L[5E
M0@49(+P8GU)*@O."#4E@.Q+`&4$#`]]L04RM_M]^NBL/.I71J6KGESIPK7L+
M'UUGYJ2\JM-='IY9\J\<NTV2IF[=?7D=LA$RCAF;2-TF*+L8LXQ7AQA)6&KT
M-;57X`[`OU5??5F?:OFCY/E!PW5\BC\I@"M.S<AHJOG553C5T]]52AOC>A/5
M3\#HZ]U?=1D>4GM_HS8'6Z:[75^Q2/\`9VNP5UL$U)R<%)Q4[&M*"O)M[`V=
M5EXBG+I2@'BC_3-A3]YR"J0I@/NDYV3VE^WN5M9+\YM)8X8Y8F$-U9G8>YB_
MRDF\N6>!*MSN,[':AM>P:55I&Q69CK>=N-2I+ULNQEIV=:UAU-P-6=LP'ZIG
M(R<@1)HHE_ZQ-4XE^(9JA"+O*W-TCJ2;Y*M&S9.4E:<X*LM+:7-TP1I!TUA;
M#NJE:K[)+]V-M;2G9ADQF-C4.#4UC#Z@C[*\BCA9-7.]<H4`]IIAJ7+NA:BB
MXE"3:2K,!<K&$YP-=WCC9G+;^3",5DW753A*M:.O=0J;52NPC?\`-E*3S6&F
MO%4I54[ZD=:+[C0.M&O9Z+M4'O;;+NB]L^S#JWO=>T:T;-9ZFHS6_P`DM`HV
M-^"_A&L&L$W.X:1$:+Q\C'D!4K0J)DQ/LO[25UVG%P@I6H4JU'4Z8T]O%\>)
MA9W4;?F*2G*ER=:)O2J\?Y+AP-Z[EV,J=<J5!N=4J.T=TQ.SHA*PTS^RE%D;
MQ^HUU>-CI9M/O9'W8R!@8MXQEFYFYY!XU,Y,IX(E.<IREI0V\Y3E";C!Q='J
M=,>7-^PN3OQC&,XJ4U)56E5P^'M,`<=Y^OD9J5CN>PS5FJU2/L\VF;`QL=-L
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M&00=VDL-N!UI:/G%J^_[),]66)SH)H[:RHP+R1->$R"Y6J+*<*9JM8$F2D`F
MH4QA>^V`G#:NGWWX:P\YJNC4M7/+G3A6O8:_KK/S4EY5::J/3RSY5XY=I]I[
M%9UCNEOB6M-S-%:QJ'333%]D%I*;7+3H%HGL;?KB?MGTYW!HMH=2%B4A<.R$
M!15NW3`QC%(0`GRW+96U&-;KO266+PC1#6H[N;D_RU:B^S.6)K5V8[MU38.H
MZ&VIT/OG5BNPMY]8QU?<[M0+;K.#VO!.=]ZW>3+.G3QSI.1)-4KZIU^G2A(U
MS)1'O'3061*KQOVVRE;NR<W;EIA/4DT]+TO-=_%5HRON-W&=I:%..J<*-II/
MQ+)]W!TJC<79G<_5VMKG;*.E5]O;)E-;QL?+[9>ZCUG/7^%U-'2L>,PP->9*
M,`B:$FX@@&0_3&!7\J5CXKF:@F=,QZEO9W;D%.L(J7RZFEJX8>W"KHJ\2W<W
M5NW-PI*3C\U$W3O^^BJZ<"FV#WDT/0G-!C6CFY[+G=M:Y#:.I:YJ*ES.P9S9
MU5%W%H>[3F<.F)7KE-G+$?*@L=!)!@FHNJH0I!Q;V5^YJ;I&,):9.3247VU_
MBI$]W9AI2K)RC6*BJU79]_<5@=PZ2^O3ZBU76F^;XK7I^$J-YM%(U7*3E-U[
M;YIC#2BE6M<V5TW,$Y7HZP-%IA*/1?EB2J\.C)&*<I7TDU#7*5N-4VDY4;2K
MBNQTPK2I/U4'/1&,W1T;2P3Y/MQQY&VN5"R,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`(=[$E,;K]O0I"F.8VG=FE*0A1,<QAI4V`%*4H"8QC#Z``>HCF[;_P#46_\`
M./WHU7_T)_X/[CK(=+_V\TQ]H_L';HV2=:ATC1JDEM9ZVBWLH77R>R>L25$J
MNSYV,:MW#IO`5&Q/0:OWOMC^F(29G!_%,BAB]+]2_N]O!KS9R>GMI.K2[6LE
MQH<_].UMKTE^5"*KV5A1/N3SY5)AFMG4'LYW4ZH.^O\`98C9L+U]8;KN^W-E
M4EVC.TFM0FP->A1JOKY6X1XK03^S7&PNT)$8M!PJX0:PHN%B$`$1-IC;N;;9
MW5?3B[FE13P;:=6Z9T2PKVT-KN0W&[MNRU*,-3DUDJJB5<JMXT["0?N+I*JZ
M2UP5%)58P=L^H)Q*BF=4P$)V)UZ90XE3*80(F0!$P_`H!R/IFOI_ZTO_`&KG
M_P`#,]]^C'_W8?\`Q(UC['1]]UIN;:'6/7C"?;5_[DKZNOJE8X1DJI&ZQMJ"
M+&I=OYET[2`Q(A:2T;&M)^.4,8@K3PN!+\YA'+.W<+EF.YN-:MO6J?%9V^_Q
M8/LH:+ZG;NRV\*Z;]*/D\I__`*<5VDIQFHJ99NYW:'2CR!3:ZSGN@77_`%4:
M';-Q3CVU2>6K?]8&)8"8HHD^AAEBD3`!$R8`4?3T'-;NSCL[5Y/\U;B4J]M(
MLVJU"6ZN6J?ENS%>RLD1OT-?7O=>X&TQM)G(_JW0K4BW45XZE&ZI$)_?SZ>!
M':U\BE5.0<D?ZSHE342<<CY%GG)0]!'-F^4+-FEK*_/S.Z%/"O>Y>Y&K9N=Z
M[6YG9CH[Y<7[E'WD\_<CJ\+==::`J-E@VUEK-C[H]7(:R0+]J=Y'2T#(;$;M
M91A)-R!_4CW+10Q%N1`O@(\B&:.G2<+ER<722LSH^VANW\5.W",E6+NPKW5(
ME[G=3];Z@ZWOYGK?JY'63>O[MZ][9VJ.EJ;%25RD*'J;8S*<EIR*J[Z+FXRV
M2U!8/%YILQ<,G::PLS![*@B!1V[/=7+VXIN):FX3C'4\*R5*5X5RJ:]UMK=J
MQ6Q'32<6]*QI%YTXTS/S7;?1NXMM:\O43W^L7:&]:LI&U;A2:,B;2`MV$3<:
M0O2+,^L[?6.L*O.QI"MIQN)6D@Y;F^L23'VC&3,`+GGV;4H/;JU"4HIOQ<'5
M4U2:]Q%M6;MV,U>=R<4VEX>*H\DN?$UKU/2K1>]<=-*)5O?C[5<?L_=D*77G
MBWO,21UGLK/0$1"'7=&*3Z%1*0<D-R82F*!1-_NCEF[.,+EZ<OE6[@WW+54T
M6X2G"U"/S/:R2[WI)AD^UV@)'[>R^A68(K;TD.NQNM[7J0$:I_>1OMM;7O\`
M;=/7R^MS(A.-HYA8A^>5,@$62-3^N!?V.#CI6UW"W_GO]#S-?F?ATUK6N67#
M.N!M>YLO8^2OUO+TZ/Q5I2E._CE3$P+;U'V'I2TUGKVDI+.Y?O\`]>-!]?;)
M98Q)U(MX_:NGOT/7N[;:\D$2F!@,GULLCURDX4$!75KR90$1X`-EJ=N]%[C"
MEBY.:7^F57%?\:7O,+L+EJ2L8UO6XQ;[8T4G_P`#^PRW9].>Q'9Z?Z-PT(NV
MUAVIVQICLT"#&-7+7(G66M(@JO86JJO4DP9QQ;!;-,59M],(A[Y;>L(`(>7.
M%J:>V6];_-M1E#MU/Y'[%*7_``F5R%-P]FE^7<E&?91?,O:XK_B.Y:P3T35H
M&;L\\[!A!UR(DIZ9?"BX<@RB8ADM(2+L6[-%P[7!NS;G/X))G4/QP4HF$`'C
MQBY248_,W0ZLI*,7*7RI5.F_8&P>L-S[%Z#V=T3O5=L?9:_;BHS';K31<BI(
M5V\:&<NSJ;7F>R$)!D/6FZ%<K`'<1DK,)H3:,R5LBV4.)CI9V+=O<PV]RUOH
MM;:,'IU9J7X5!O'%YI84K4Y4Y[>5^%S9M/<.2KIR<>.JF&"R;QJ;6=+H]%M1
M^W)RL@0/)]T.W3QT)FXIG?F&\.V*#I7S(`N/)@S12*?U`4DR@'H`94WK\=KL
MLV_N+.U5(7>V[/[SKYTMN>;@-6]'=,7_`+&.^H6CW72>GWXVQV[:GP$_L[8+
M>6-7WNL(K8.S(&Q5>IC2JTT:R2[-NT"7?EDD_:.5)!3.A>LQE=OWK=OS;WG-
M4Q:BL]5(M-U>')4*5J[)6[-J<_*L^2G7!5>5*M-*BQYXEFH*+.=ISL[>0O=W
MKK[[T&C9.&LFSF!_W9;H%&KZG7A[E,MQ@:\0S*:2:(O62PL&I3L3-SB0!'D<
MKE8S6$8R^CE51R3K*JS>63Q(MXQJM3B]U'%YM4CCDC9CLF*VN.^:=_OG8>Y=
M7M=[1ZW5&A4S;D7"ZU=4MQ<J'L&[SMBUK:[1M"BW6!ITC)QEM9RD:`FCB2?L
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MO?I(%K?:W0%>^WNQT)+^RSWI`]>"=<9+J4:-4'<C[;337W]N5J$RUN1`9N18
M3EA*)DI5-`\6M'+`],X]CR.&^6UW$M_YZ_0=S7YGX=-:UKE@N&=<#1'<V([+
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MPS%H9Y&R0$122:MO!H4I`(``(9JW%VY=VMV=Q*-Q[B-4N:C)&ZQ:A;W%N,&Y
M05AT;[91,0[`[4UOH'95UV%U,["QSS>UAW'5X?:G21O(,;M&;MO4I-5JH6=:
M,H`)GO&K]CFK2)7*UBBU$HE8L>160;KI^:V9;>U<W%N-O=6_R%!Z;F6E8M8Y
M25>#QQP,+URW9N.>VG^<YJMO/4\$\,TZ<5AAB=S6<<ZHP!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`"`"`@(<@/H(#Z@(#^`X!\^)?'P\2^'CX^/`>/CQQX^/P\>/3C`
M*=FQ8QR(-H]FU8MP.90&[-NBU1`YQY.<$D"$)YG'U$>.1R6V\7F0DED5(E*;
MT,`&`!`0`0`?4!Y`?7\0'()'`"("(!R'P'CU#GT'C\O3`,6NJ%S7JTXGKI]5
MXJ\*,O&NR-SB)2=J[9^54ABFFXJ$F:]+/F0I>8>"#UN<#&`0-Z"`Y0T:EYE7
M#C3!^RM3&>O2_+HI\*Y?`C'KMI=;2%"?P<Q9"W6]7*ZV_:&T+L2*+!(6O8=\
MEE):=D&$(5Y(!#0D<A]/&QC07"YFL8Q;I&44,03FV[B]YUS4E2"2C%9T2RQY
M\7VMFNQ:\F%&ZS;;;YMY_P`EV$[B4#<>0`/`@8.0`>!#U`0Y^`@.:#<?N`43
M6.CV)G!V+!DS.[4]YT9JU0;F<J^O]5P9$A!64^8?F-R/KDMMYD))9%6!"AQP
M4H>(>)>``/$OI\H>GH'I\,@DIOT]@#P9$&30)`4?IQ?_`$R/U@H`/(("Z\/?
M%$!]?'R\?X9-72G`BBK7B50@`B`B`")1Y`1#U`1`0$0_(>!XR"1P'(#P'(`(
M`/'J`#P(@`_'@1*'^K`/W`*-K'1[$S@[%BS9G=J`JZ.U:H-S.50YX4<&1(05
ME`\A]3<CZY+;>9"2615@4H<\``<B(CP`!R(_$1_,1R"2E=,&+U)-!ZR:.T4E
M4UTD739%PDFLD(BDLFFJ0Y"*I"/RF``$OX9*;61#2>94^!!'D2E$?(#<^(<^
M0```;X?S``>@Y!)PNFC5\W4:/6S=XU6`"K-G2*;ANJ4#`8`415*=,X`8H#Z@
M/J&$VL5F*5P9]I-T$$DD$44D44`*5%%),B:2)2!P0J29"@1,"AZ```'&*L')
MP`B!A`!$.0`>`Y`!XY`!^(<\8!2C'L!>%D19-!D"I"@5^+9$7A4!$1%$KKP]
M\$A$?Y?+C)JZ4X$45:\2JX#GRX#R$`#RX#G@!$0#GX\`(Y!)2HL&#=5TNW9-
M$%WJA%7JR+9%)5VJGZ)JNE"$*=PHF`_*8XB(?ADU;]A%$?+R.CY#V?KV#)]]
M,H"S?ZQJ@Y^G6#X*H^\0_M*!Q_,7@<)M9!I/,K.`Y\N`\N./+@.>.>>.?CQR
M&024?Z='_6C)_0,OU$4O9&0^E0^M%'@`]H77A[_M<!_+Y<9-72G`BBK7B5N0
M2,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@&O/;:F;'V-U>[!4+3[QS'[4N6G]@5O7;YG/JU5TSN4Q6I%C7G#
M>RHK-UH%9&363,5V50AD!#S`0XYS"XI.#4?F:PX'G?5VRZEU+TOU#I_1Y./5
M;VSNPLM2T-7)0:@U.JTM-K&JIG4T#^S;UL[E=9M*;6JW=*Q3-DO%AVH2P5)U
M-;8>[;70J84^O1ID$IA[)29XM+]99.3?3`<H"814X^;D=&UA>MP:O9UPQKA1
M'A/V>].>L/371=UM?65V=W?7-SJ@Y7O.:AHBJ)ZI454\*KN.X++1]=&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`,>MMHAZ15+-=+"NHV@*A7IJT3CE%!5TLWAX"-<RLFN
MDV0*==PHDR:',5,@"<XAP`"(X!HUHO[E_6_L>W@C:H9;<DY&9M.GH)S7[+JR
MQZ\L,#7-^4>R["U%M64BMA$JZ[S5-XK53>'92T9^H"JJ3P!'DJG@,G!K,E>S
M=U^N55W+KC2,AL6MKV'9<?M=Q'6-C9Z<O1Z[,Z>D=:Q-FI=QL![(B>"O+]]M
M:+3CXL4%7#DWO`8$Q(4#AI=*DX'VQJQ.4L\&ILN@)S=)(P4N<.>Y5TLI44Y5
M9%O&*6>/-(@[@"2+ARF1`79$@6.H4I.1,`"(HR)KIVXTA2]E:$U.:U,K5<>Q
M5M-4Z,QI4K6[%^GE/K&_;9CK5:44)Y*0BZ5.5C7,@FQD44'23IX9%,@>)S*$
M#2VF^1@BG?OKNV[-K=3GSV_Q^S"7QAJE";>:QNQ-6/=K2FH";ZCM9-=IIPZM
M,"[OM2"I-(L5729U6Z"I2"*A!)@G2Z5X'[V;[\=?>I%MKM-W`ILS]1GM=W?;
MSYW0-1[#V?&4S5&MI:KPM\V1>W%"@)]:L4^J/;C'_6O%DA*BDL*@AX$.8`47
M+(DC9';#0&K=7VC;U@V17Y.I5'3KGL!)(U%ZVMMG=Z9:1Q99;8T)4H-9W89N
MJ?IAO>*\;-U$#D#Y3"/I@A1;=.TB)C]QKJC*;0O6G8N\2\E?-=[[U-ULLD:Q
MI]D<-2[2W34):]TEE&RA8_\`3Y:!_;%>DG#^404.QCOTYR5=0AD3``G2Z5[#
M*-L=Y^N>GR:UD9ZZLY^J[0'<(0]\I$E7+12(@-&ZQL^U[T-BL+.>(V9&1K]3
M=-FY$0<J*21DVYRI^?F`*+9EG73M1K#LCK#3FRJZZ_9CG>E##9M!UM=[%00V
M8]I*BR@(3:U>I]QM[-1$6GM+."MG;DT>*P(.P0=$603$--.ALG@@8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`(\V[4)#8.J-
MGT&)=,V,I=]>76H1KV0!86#.0LM;DH5FZ?`W367%FW</2G5\"'/X`/`"/`8)
M6#J=!VE?LM;<TY`:EH</M/7J-1J&S>E^ZK'/%E+]-[$C=B:4ZD;-ZV[N;TBS
MV>+DI8U0D;!88BPT:/=/4&<"=2302;,43HIF@V.XGCW_`'F/37V6]OWOKGK;
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MNM+-D@5HT(!55"Y`4UITLG_NOU$[4[FW?4-M]?+5H*N.7/4+L-U.NKG;H7V0
M/5D=_6?4\TYV)3*W5H=5G=7M69Z]<D1BI.1B&[I5RG[BY2%.`R1%I*CKG4U3
MH?V4OV/NN14DK3&[$T4;3T?K*IS$]>K#`;+IK!MT=8])Y>JR5(C=>R=?V%4;
M#7V"DJ4KBTQC./7D5?"+6<MD'1X,G<JNW^M37ZN?8@[$O*MK")O_`&3H1;*O
MU@[.47L+<:HRMQI"Y]F=EQV_JKHW<==1=L(I5Q#ZQI78Z=9.TW*[)XH5%`B'
MH/FFH3YBKAE4G*K_`&B=RN7,E/6UQU@I:=HMVUIR8TMJV-M3C2E79V/[>).E
M]7<U5C+TJ$^NF;'=&;>SV$5HMHFBW*FBD+QPW^H7DQUKM_AU,BTI]H2Z:I[*
M=;=MR\]0[14=1ZPZHQCEI`7.TZ[D=<[,ZXZ6N.J[`ZH5<BM;2S;8=#V6_N3^
M179/YNKI%7E9!5VU?JK)B2`YU37>=^F2:Q@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`U)[+62UC<^NFIH2]S>JZ_N?85J@+5
M?ZS^B(6@Q*OK>T7.%H%7E;%$S<7!S=WD8?S,Z!LH[_3XUVBU%)PJFX1&2R;-
M=9'LAL+0&Q]PPEQF82SZGC[NZH=0N5WGK1)WB)M]4Z=ZEVBV4G(.IT]RS=U6
MS3979%D(=NI*N9J6,J@V,"@(X)HFL,_ZEBI'=+:ESN=/BF5&BHZ[6RRP&IYJ
M&L]FL4)2()W$[9[252SVQG43U5U:X^Q.(K1?NILG;H#BH\29KG2!J=RM`<44
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MVFZ;-0Q/1P`G2GC_`!D7/NIO?L*PT[UOMM!B]DZFOMYI>S+]=*!7)G6\79*G
M,U+0$_L%.+M,CLZ)=04C7Z%9VA59-FFBF\D46PIE2$1,E@B*574R)MWUMB*A
M'#R&U^M5K2K<J'J^Q)*7IU:9_9]$<ZY@$W-AUG"UZ3L#>!V?9M@))04<P,O)
MH"K'IN!YDO)F&E'!3^]>XK\6LLH/5NO(64M#W7NOFRMHM5F:MX[:MJO6[JS/
MGFHYO7Q=QM/AXG0LBHT1%8\F\E95HQ.5#VE5U`THV_Z?6JQWCJ]HJWV^5&<M
M%DUQ7I>?EOU0\X1_*O6OO/%V\T=%N>6:"L801<BFF*Z0%.)2\^(#%YX&R."!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`8C>*!
M1MFUQW4-C4ZL7NJOU&R[RNV^"C+%"N'#)<CIBY4C99LZ:"Z8NDRJH*^/N(JE
M*<@E,`"`)M9%D<:;U&[@QK#O6&OW5<%LHR&"<T^ON(DS16H-]?*MSQZT>=J=
M%6B-$H4Q1*(&BDB-1_H%`@":L^:WIC4%.1AV]2U;KRLHU]5->#3@:;7HDL0X
M2=3[Y-S'?0QZ`LW(/K7*+^XGXG%>2=*"(G<+&.%65"VH]5.&7Z:XUI0'$=]"
MSB_T]>GU]9B,9'U>6I#".%HI'F;BQ9TR>?1*2(E]M.->+MB@"*JA#!5E!7-'
M:7I\8C"U34VMZW$(`@"4;"4FN1C(OTTVSLJ!Q;LXY%,RJ=DCT)`#B`F^N1(X
M$?=*!P"K>9>9;6.N)^YUW8TY0J=,;`J+5PRJUVDZW#OK776CH'`.&T)/N6:L
MI&(J%>+AXHJD``75`./</Y!5TIP.>6UW09VF!KF:I54E:`5E&QQ*4_@(MU54
MV$,NT=0S1*!6:FC$4(ATP05:E*D`-U44SI^)B%$!%>/$M%@TUJ.V1<A"6?5^
MO[!#RK:19R49,4^`D&3UM+V9.ZRB3ANZ8*)J%?W)(DNKR')Y0A70_P!<H*`)
MJT<%MTCIN_0=6K%YU1KFY5NCJM%Z;`6FEUV?A:JJQCC0[,]?C)2.=,HGZ>).
M9J4$"$`&YA3_`)!$N!5E+,:#T=892X3D[I[64Q-;!AFU>O4O)4:M/9.WP;([
M!1I%6-^XC5'4PR;*1+,Q$US'`IF3<0]6Z/@%6?1]#:04J3JA&T_K$*.]:Q#)
MW4"46LIUIPT@)1Y-P3=6%3C"QQDH6:D%WC0/;_Z9TNHLGXJ',80JZUXD@5^O
M0%2@XJLU6#AZS6X)BWBX.OU^-90T)#1C1,$FD=%14<BV81S!JD4")HHID33*
M``4``,$%XP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`0KH
MWL-J3L?`V^S:>M(6R$HNS+QJ*R/0C92+*SO&O9,(NQ,4"2S-DH_CA,HDX9/D
M`492#)PBY;*J(JD.(EIK,FK!`P!@#`&`,`BC>.X*WH+55OV[;V4S(UREM6#N
M395]NT=3"Z<C,1T*B#)N^>QS50Y74F0QO-8@`F!A`1$``1*570SFT6FM4F`E
M+7<9^'J]9A&WUDQ8)^1:Q,/%M?<(E]0_D7RJ+5JB*JA2^1S``F,`?$0P1GD8
M#2-RUF^[,W7JN(8S3>?T3,4>%MCN0;-$HF0=7ZC15_B#P*Z#YPY=(MX>733<
M"NBW,1P!BE`Y>#B):HD^9E-+NS2[IV95G`W"!"KW.QTEP2X5:6JRDL[K3LK1
MQ/5M.600-/4^4,;SCI1OYM'R0"=(QBA@AJAF>`,`8`P!@$7Z:VS7MWZ^C-D5
M5G+L(25F+G"-VLZ@U;29'5'NMAHDJHJBS>/VY4'$M6EU$!!41,W.0Q@(81(4
M2U0E#!`P!@%BG+/7*S^C_N*=B8/]PSL?6($):0:L!F;'*^\,9!18.54Q?2S\
M&Z@HMT_)50"&$"B!1X`ON`,`8`P#\,/B43<"/B`CP4!,8>`YX``]1$?RP#3.
M2[P:TB&@.I2E[;A5OV!H+8B\+9J2:I6>.BNQ.Z)#1E.BYNKV>0B9V#L4/;(X
MZ\JT=H(G:L1`Q!55Y2"*F6EFYN28C`&`6&;M-:K2T`WL,]$0:]JGF]6K*,K(
M-6"M@LKME(23:!ADW*J9Y*77CHETX(W1`ZHHME3@7Q(80`PC3NWJYNRKS-MJ
M[*981T'LG;.KG2,XW:-G:L]IW9=JU997;<C-Z_2/%/;!47*K-03E44:G3,HF
MF<3)E$M4,^GY^#JD%-6BS2\;7ZW6XB2G[#/3+UO&P\)!P[-:1EI>5D7:B35A
M&QK!NHLNLJ8J:21#&,(``C@@NI#E4(10A@,10I3D,'J!BF`#%,`_D(#@'U@#
M`&`,`8!&MDVO5*^G(@T+,W.0@[[1=<V:#U[#/+M8*E8=@.JL6(4M<-`D=/J_
M$1L+<H^9DW;DB:4?!+?7K"5L'F(FA)6""QV6SURFP<C9K;.Q%9KD0D1>4G9V
M0:Q43'HJ+)MTU'C]ZJBU;D4<+$3*)S!Y'.!0]1`,`X+A96],J5IN#N+L,XUJ
ME<F[*YA*E!O[/:YAO!1CJ46BZS6XI)>3L-AD$VHI,F+8AUW;DY$DRB<X!@%U
MC'Y)2-CY--N]:)R+%H_3:231:/D6I'C=-P5N_8."D<,GJ)5/%5%0`.FH`E,`
M"`X!78`P"S(V*!<6"1J:$S&+6>(AH:Q2M>2>MSS,=`V)[/1L!,OHXJ@NFL9-
M2%7DD&JYR@FNJP<%((BBH!0+S@#`++8['7Z?`35KM<W%UNLUR,>S4_8)Q\VB
MX>%B(UN=U(2<I(O%$6C%@R;)&4554.4A"%$1$`#`/JPS25<K\Y8EV,O)H0,/
M)S2T;`1CN:GI!*+9+OE&,)#,2*/I:7=D0%-LU1*95=8Q4R`)C`&`?%:G4;17
M*_96\?,Q+>Q0D5.H1=CBG<#88U&68(/TH^>@Y!-)_#3+,C@$W31<I5FZY3)G
M`#%$,`CO?F]-<=9].;!WSMZ5?0>M-80"MFN,M&0<Q99!C$(N&[4ZS2!K[*1F
MI5?WG1`*BV055-SZ%'!*3;HLS%]Q]J=&Z'UO1-L[&N/T%$V;==8:_H<Q$1$Q
M9#66S;AE&,50V\>R@F+]Z9E)"_*Y6=&3*W9L4U7*YTT4CG`$FW19FP^"!@$:
M[7VC`:?JC.WV1K*/(U[>M7:_21AT6J[LLQMK9E2U97G*A'CMDB6.9S]Q;+/#
M^8G3:$4,0BAP*F82E4A^Q]J8N*M6I:-":HVY8K?MW9VR]?Q4(ZKT;1EH.`TY
M,+Q>Q=KS2NPIFL)K:Z9($0>1*[#ZQW86CYJK'MUTUO,H:>)M5@@U?VCVUUMJ
MK:L1I:0K.Y;KL.6J$7?5(C5&F=A[.;P50FK-(U&,G;/*4^"E(VO,G4Y$.DRB
MZ53-X-U%!#P*)L&2BVJ\";Z7=&EW:SSMG!6Z!+7[C:Z6NC<:Q*U5U).ZC,N8
M5U.P3>6004F*C,K-17BY1`#-)%F<BZ)C$,`X,3,<`8!A6Q+RSUO49*XOX"Y6
M=K&.(9LI"4"JR]VM;HTU.1L"BK'5J"0<RCYNQ6DRN'ATR"5JR2674X32.(`9
MF<X)D.H;GQ(4QQX^/!0$P\?#UX#`(QU1MBO[@T[0=UUEA.-ZSL6@P&Q(.,D6
M27[C2A[%"-YYBR=Q\<ZD$1ERM7)2&1166**ORE,;T$1+5'0R6B6YK?J54[PR
MAK176=OKL/9&L!=Z[)5"Y0K>:8(2"47:JK,HMY>N6%@1P"3QBZ3(NU7*9-0H
M&*(8(>#H97@#`&`,`8`P!@#`-7NZ&WY[1O6/;=]I;?\`4-EGKZ-)TY#%5;I*
MS^[=G2C#7&FX%(SDQ40_5MEVF+1.8WRIHF.<WRE,("8JKIP.FROU#;6H/[K]
M6)MHGT,ANP_26F0>HMJV_<]0LD6?<W4^/K^LK[/R]DU_*UUW49#9.I[E54'[
MM)VTEU$H5X\8K%=(>11LP>.=&=H_V[K_`$R\=?Y"(IE`CM<):KVGL?4MF@JS
MLV6W1KIY<ZI,$7LLYJS:\VJ,I=Z!*O9;R;++HLG#%T#B/7:MW#-5,HPDJ,ZA
M+EL':L95-^ZG6V9M*OP_V[8M?2NVKXVM-H:6AOKCL]W`UX]BME.;&B],^<3F
ML/MW5]S(A.G.L[A3SB[U-5)=,%2C-4SY_!?S)&E+A0]0[S>UG1.WY)'J10NW
M/V^G<A*H[=G[;K&B7W9M?[!16UJ.38$W9)ENTK<_'):[D9"%6DE(].7GT5Q2
M(O(#YAFL?FHSLIZ!;*C=JP?:BT05X+L&MH]VNP,!6YYK/+6.(3B(%U6X\D77
MY`SETU_0H]XDL5`C4WT@<B9+DIN1&$E2G<=6.U6D[%:\LEU3M$E+LMT?=AW3
MI7>$GMGL;M'6>M6NE*7L#L8.LM1/;Y`L[FIIG6$MM-A!QRR41%MBS#N1)%O%
MOIGWB09K/_R\C&-PV(]<T)7M"[-M^EIRQT347;3L%K;<,AWFWQ':LUSJZ-VO
M,U_7M!UAL.MQ<3<^QN\-)-P9Q";Z2;-W=;18()@LHXD!(K`6=<>'`PO?5NUM
ML_2/9'8/9#=-@;[OK5&^W]_8**DMG3E27?4K9&JNO=P>R58UQ&3D77KK'[AW
MG-7"/L3HT:](Z1C3-E3$2C4O9DE535,L3N%^[94:M</M\=C6]O9F=Q,%5XRT
MB;]7EX1%BM!6.'<FE'KV'D8Q4&$:T,JLL"R@M03*)U2B4O(#"VZ31UP[5UQK
MZMW+OQNO6]DM4?-Z$O?V[$-$S]8VM=#P%:B`I.D6`R#9!G9E8BZ?O.L39XR3
M=3`2@RT1X-U#&2$WG!DJX)\:GUN^VEA*S?=Y[,O$%L3677GMSWRG+CUING82
MUZAMFQZQ`WVDC`W#2S^,LT<G;MBZ)1BUV-?J<B0(60-9SMDEV#\S%407)<4C
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ML`Z@+1:_L@=;+;2I>V['<1EBM&QUHCMO`3ENIQ5I1"0EM@OYQ>`2D'\:0TBJ
M]78"L;S.WY$T\6"_%_(S_<^YXF7[;T&VT][5=?WO77=WJAUAF)6Q=E=K?WLV
M0SM*.JBW>+IG6YI[VM&&EK/0]AN#'7>G$)8R"\R"2;LC-8X)>'LHSM-^WH8I
M^J5.$ABG+_<'L.`&*(&#Y>QVV2B'(<AR`AP/\<&N69TG-XF9;Z4Z%,W\Z%NI
M?9F]]EIW>DCV![8[FU%2MB;%I!9QEHVA3NW8!C>YB`BX*L)3"]?J[)&-C7[J
MO-UE#*.VA??@V5JWS787"W(5:&KFUHGM'VT<2V[=-?:TT9L32-GH'9>]MZQ.
M[/CK/VW:5S>.J)!M,T\^X=HF/!U&-&36CW#F9<B1-1JH61,FL"_TK"O\C/;7
M<W[MUN7:NQ]C3M>^X;0>W/4W7>E]9(;6LT!(M*=;XSK$)->5/23.T,Z_9=<;
M:CKA<'-@6&(>I.16DUE5RFADS,)"X)?+0^KMI'2EDU1IS;.W9FU6%>R_=NVE
M7;-<K[NO9*$1!4VO=J.S^OJ?68A=2[1L'2JU!13)I'L$&I6Q2+*``"997D03
M>*7]O\CME[WO92G=?B[JK\M.QH]:M@:T["SA8"3?M/U?6&M+2P>[IAY1%DL7
M];BW^D7=B_Z54%4SN2HJ>`G3((#".=.9U*5Y_KS9%AA)SNKN&VZ[U3M7JOM[
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M5=P9X(Q%`/#:UTPW>1B'ML5S7=R"B8@Z5!09M*G=A_'VF!5.P25CTCKR>L$X
M_GYJ7Z5?:6D92;FI1S+2LH[>?<%L8G?2$F_7</'SETL(\JJG.=0WQ$1S$GC[
M7]QW+]^*C,WGKI+5N!VM2M4/W-UUP^44V-?)C5]&V9&0MTAYN:TE:=@UEXRM
MM3A-N1$>O"N'D3[[U-)R/#9TD*K97(UQS.BZX[%F^RSZGQ.JI/7O7:I0_2V#
MFNK!=T]VMFZC@=2;EKF\-Z:UV+M_6EKI=9O,%V@1H]BH%6,VD))^FS7JCYB9
M-`K.PN`&#92F>...!L=JO^^&QN]5NM,ML;4%-V=K/O%8Z986EL[2[+AME3/7
M&.UZ9"$TK3NIRM(_MY*4N[4E^WN$0_"2.NZE"J2YE2N$E44A#24>-*<C<[[E
MVO\`5=NE^ALOM=-NC!0?=RF1BTM(7*>I<7&,K)JK;8'*\DXBP5]LDK(3T/&(
MMU%E!4%<Q4$A_P"H.FJ9C!M5IR-.M,UBO:FL&I.Q$!);#/=[O]SK[B=#OB<=
M=[C+Q]FU;%ON^-Q6UA$ZV&;_`&6LR+8]7Q<FQ;(L"N@G$!<%5!5PN*DDO'#L
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M%UMX[>/718&%7!NLH@BJH,D-56&>'Q+K]M]-+=&R-`;`MUXV!=!I/VT.GNRJ
M2S?['NIZPI;-F[#[@5Z=V%.U8)I**M-ME*K%(,B/)9%VL@B40*!5"@8@3P5.
MU_`V`[KHZ0L7<+JMK[LCM!Y1=167K_VXF5ZR]V_8]04B]W"IV?K,YA0M,M`V
MBI%D'M/@)*7DHU-5V0R"I%'!/F0\BB(UTMI8U1U);7["3EAZJU*=N-EBX'>W
M7OIGK/<58WUN+LUM[6FQK`TO=QV1_8NS:;U%4T30^UMFV*!U_&+6&9FB))23
MN31C'A'#91V5.#-+&G"INS,5K7&M.P7<^7H<LM6-F6#[F/VYVEE;Q^Q[0,Z^
MH6Q'_2"6GP>5IU:7"3:KVBRSLFV,J1HDW<)*JQQ3"U3!LG)'X5RH_B:DU>5W
MQ8M?=CM\R.U]9T?:$;J+[G$;V$B6O;;9M@WY9W57AMKL*!6%NMDO3HBH:@<]
M?YJ$@%(-U$R'E&5\`4147+*J+K03@FEPPX&==G-0T&G:D[(ZT6EKS+:\E^A?
M5+L==&EUVWLBR?7;6:[LN4%9=OR\S,VQ=^PF)JM-"C-K(K-V#PC%%5PD/TQ#
M%$)NJYU.ZSL<,%2NA78$^K9E5A7JKU-V\M0;!`V>1DEV,?#:CL:M>EH>XC*/
M95TX:)MTED)#ZQ1<3E!7W1-\V28+&2KS.I6\1RY5.T'8Q>\[*<[,TCOG[:<9
MJMTIM2]H5FBQ]THO35K?X^,IK2PMJJX;;087J2;V$CUHY"60=<*<B`&R#)<%
MPQ^)C>W-F;VKE;[4Z-UG;]AA?/MU:S[G[+6D6-GL3V<&/WXY(_Z?2<M*$_5I
M6<5H_7J^715D*K>0.WE*LV<D;JKMR%P2DG1O)T*AOJ6RFU%L)S7M\=3&6BE=
MHZ*V)`]=F?W#=N7S6VV$H?6.V#;,H5I[(6"'J5XUX&VXQ>NW./;HI2\8]F:F
MN]D&ZC1]('$*JN-:]QB.T);2MQKO:[LCK$MPTO?=I_9]ZQ[(U,5[M2XQ&UZS
M#6!QV5KTC(1#0]V>MY&7J5;@X5,\HU3=IMEDDGI%@5?*K.9"JFD\M3^!*FQ=
M.U33>S.ULO1[?MR)/UYWG]N>6U`TD=X;7GHK7\GNO9^NH7=+]G&3UQD6DF?<
M40^5;V%*2*]0D"**<)D,LL90$ZI5Y,CBG.MP6RZ[YV_([0UE4=AU>Z?<AJVY
MHI3MUL^0WC:=?52!WQ!ZEU:UZN/Z=&T6AQ^M6472;-`R$;*G62A&AY-)=4TR
MZ.J&%$N[@6+<NJ*G6>MFUJ4I/;#LE:VE]G)/L/L]&Z[8V/:E[=N37[^I*,-O
MRS^8M3ETSL:Z%C=?JAVAVS%^W302<HG;MD4TQ*;KA_=0[W-AMZ?3>F.SD=02
MY$Z;7>O.R%:).0-MD;$5!@QH<\XBY*)N:\O+2DB=NH0%$GHO5E?(H&!3D`'!
MK7S*O,Z.9AJ^G:-V?WO)[!V@ML?K]IW[:5LU!*I;8OS2)HEGGM84*8MEA9UI
MG8T*[(R6PC.?IIX\@V=EEF(>PL`D46]T9K-+@VSN$^Y4+;_R6[>!XD@NT/(:
MH2=-W(%,V<MU=T:[36;."G^0Z+A,XD,4?0Q3<?CAF$?F.G[<QW\]4[3UTEB/
ME(?[95GIU66-*G,5`\INKM)JJ&ZC/T55$RHR#NM=.COT5U""(I.9H.1`P``P
M9KGS_A_:3&[W!!67OWJ*ZTIS3M>3,]WAV[UAN40][/;.MF]]E0NM=4;M@+.S
MLG7ETJKK;7>G7D[1HZ;@T"F,J1(L9*H_3N)7VU9(IX:/D016(B3UGT\U#?Z5
M?MN.]A=B_LX]R]D[6LLOMG8UNG;WL"A:TT!8-?W!%.6L4@E%V>BN+S)MH=W$
MHM'+5B\^F`QB%2`@EXR[$T;0[DW=2]L[RVJRU]MB"V14JU1OLTNW*-3NC>UU
M.(L]I^XU9'BCM/\`3)![!(6"=KQ(TZRB8_4KM`:^X(D]D,$)42YX_<1N]K"E
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MHBSM:)O74\12H6Q?MBQ1,C)0-$2EE#Q3'WRMH]<J9DR%`@%QQ)>"JLZ(TVVW
MV'6M?32CRLY:(*.W?H#[?=2W?"[WVWVJV_K>X.+#-RNT8'7TAI'75)4<,MS;
M>:V#4:19J7ES`1=T]8QSH72+YT0LF27B[&S>"UUQ)ML_=78<;ILD=ETW[K_3
MO4-/>'VK>TZO3]9[09](ZEL;7\+14;&G24JS>XC:4T:2:K,5@<.7I5^050;&
M2&/!+AI?Q(RB)Z@/>HVYMVR&UIK_`,_4ELA]4=]L7N[K<GL&@+QO=&E0$SKU
MMJPUQ)'T*BT^!;Q,?#@SAVB)H)=NX(HJ2357=B<=27X?Z&8-]P0%F[_:<NU+
M=4W7LK:>Z^]NM-RA'G9[:%PWQL>%U7J;?<#9&EOZ]/E%=:ZYU(XM6NXN:@6Q
M1,L@B$7)(_3K2ITE((IX<>53LIZ.+"7[>W5U=%42B7JKJ]5)9(XE$HEUK%'(
MJFH00$!`0`0,`^GQ#),9_,^\ZM=%W1K2[W]NC<.TKK%;Y)N#KQTEU#4JD.]K
M(TWCUYVO<]022CS8A-.EL(PVWZ'N%*8"0L\L](2=C$67UQRR$>V\F(S:S2[3
MT1X-0P!@#`&`,`8`P"A?Q<;*D;)R<<QD4V;YG*-"/VC=X1K)1RY74?(MBN$U
M"H/F+DA5$5B\*)'`#%$!#G`+39:;4+HS_3KC5:W;(_V7K;Z&RP<9.L_IY)HH
MPD4/II1JZ0]F08JF17+X^*J1A(8!*(A@9%57*W7:?"1M9J4!"U:MPS<&<17Z
MY%,82$BFA3&.5K&Q,8@U8,6X'.(@1),I>1$>/7`(0TCHASK)YNRS7:V,-EWS
M?6R7-ZO%@2IS2H1`0\?4*UKFCT>.KA9>QG"%JE!J+)LHHY>N5)!^J\=F!('(
M-TA+=>XDAGJ754=27FM(_6>OF.N)$CI.0U^SIE<:TE\1\N#EZ1Y5$(TD$Y(\
M<A[BH'0,"A_F-R/K@5=:\3*8.NU^L,2Q=:@H>O1A!(8D=!QC*)8D,FW0:)B5
MHP0;MRBFU:I)%X+Z)IE*'H4``04DA3JC+P<S6)6K5R3K=B/('L%>D(2,>P<Z
M>67.ZE3S,2Y:JL),\FY4,HX%=,XK*&$Q^1$1P#'3Z@U*I%U&$/J[71X77[KZ
MVAQ!Z36C1=)>^)R?5U%@,8+2MNO!4P>XS(B?@PASZC@FK*N2U=K.9D827E]=
MT65EJU$+U^N2DE48!](P$"Z3(DYA(1ZZCU7,5$.$DRE4;(&31.4H`)1``P*L
MRV1C8Z8CWT1+L&4K%2C-S'2<9(M4'T?(Q[U$[9XQ?,G)%6SMF[;J&3524*8B
MA#"4P"`B&"#'XZ@T2(B!K\32JE%P`M(9@,)'5R'91`L:XV:LZ\R&-;,TF7TD
M$T8H),T_#P:IHD*D!2D*`!5E!,ZKUA8WL-)6'7%#GI&NSKFT5]_,T^O2CV"L
MSU=%R\L4,Z?1RZ\9.NW+=-15V@8CA0Z93&.(E`0`R^2C8Z9CG\1,1[*6B91F
MYCI.+DFJ#Z.D8]ZB=N\8OV3I-5L\9NVZADU4E"F(H0PE,`@(A@&-P.O*!564
M9&UBC4ZN1T(JU6AF$#686'91"S*/=1+-6,:Q[)N@P5:1;Y=LD9(I!3;K'3+P
M0Y@$*EY:UVOL71'S*"AV;U-295(\:QC)NZ(K8GK>2L"A'"*!%BJ3LBT2</#`
M/+I=,AU/(Q0$`,;E-6:QFS5LTUKFARYJ:V>,Z@:4J%??FJK219A'R#6MB[CU
M1@VS]@4$%B-?:*JB'@8!+Z8%65"NMM=N+.6[+T&EK7(K".BBVU6K0:EG+%P[
MY*3B8TL\=B,J#"+DFZ;ALC[OMH+D*H0"G`!`35F4,(Z/BFI&46Q9QK)-1PJF
MT8-D6;4BKMPJ[=*$;MR)I%4<NESJJ"`<G4.8P\B(C@@QN;UY0+-5EJ-9*-3[
M!27'A[].FZS"RM67]MU]<G[U??LG$2IX/?ZP>2(\*_/_`#>N!5YD-,.K>M$-
MVV'<DE`56<*]H&D*13:A)TFN.8O6;G1\WMZ7@[+2G2[==2%DWB>V3MR@U2;?
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M#-X2-?1;1(J:"Z($63*'RF#`JRMG]<:\M<S&V*T4.F62P0[%_%Q$[/U>#F)F
M*C)4H%E(Z-E)%BY>L6,D4.'"*1RIK!_.`X(JS+'+9L];.&;QN@[:.T%6SIJY
M237;.6RZ9DEV[A!4IDED%DC"4Y#`)3%$0$.,`M;:M5QDO$NF<!"-'4!$*U^"
M<MHIB@O"P*_T'O0D2LD@12-B%OTIKY-D1(B;Z9+DO],G`%.G3JBD@DU2JM<2
M:H,HJ.1;)P<81!&/@GYI2$8)(E:@FFRAY,XN6J0`!&ZXBHF!3CS@'Y;:;3[]
M!.ZO>ZI6[K6GYD3/J[;8*+L<$],W5*LW,[B9AJ\8.#(+$`Y!.F/B8`$.!#`R
MR+/.ZLUA:6%9BK-KBAV.+I:[-S3HV=J%>EV%3<QR*3:/<5EG(1SAO`KL6Z)$
MT3M2I&2(0I2B```8%65;K7FOWUQC]B/:-3GFP(E@I%15Z=5F%<7&,BU@6!6-
MC[.JR/-LF"H.5`,BFN5,WN&Y#YAY"KR+C9ZG5;M#KUZYUJOVZ`<K,W+F#L\-
M'3\.X<1SM%_'N%XR5;.V2JS%\V361.8@F253*<H@8H"`9'.G7:^B#0J,%#)%
M82[Z?8E3BV1`9SLF,@,E-M`*@`-Y>0&6=>^Y)PLK]2KY&'W#\@6""UEK:KFE
MCUG7U'KIY]Q,.YT\%4X&(--.[$=LI8'4L:/8-QD7$ZHR1,\.MYF=&1(*@F$I
M>`J5"%19UBCK4W5[&KZ[1CH)_%TMM&U5I^TJF]5;.`BW"=-AG=;:NHJ/D%BK
MJ,4'#+Z@H&("J0G]P`XU9$VE^N55UAH:-T9;3QNW&+M:VSNQY6WU:%_3=E7?
M8USG-C[$LLO4%"2,*V:V.]65Z\38&%R1HD=-'W%/;`XB6ZNI*,GK+6TU7X&I
MS&OJ/+56JNHI[6*U)U.!?U^N/($@D@W<##.F"L=#NH8@\-%&Z:9VX>B8EP15
MF01M>@(90%8B#AXI4L>TB2J1L8R8J!%,'#UVQC`.U02,$>R=23E1%'GVTU'"
MAB@`G,(@0CL;K?1]J[AH.T;XRA+9$T?6>S]<FUY:JI"6>LS8['MNH+<E8G9)
MI-VBC(5EYJ1$C8H('\OK3G\R"F4#":T5"4I[6^N[3)P\W9Z%2[',UYG(QT!+
MSU6@Y>3@X^7;@TEF,._D&+AU&,Y1J'M.$D3D(NG\IP,'I@BK.=:@T5Q87%N<
M4NI+VMXSAXYW9UJY#JV%U'UV3":K[!Q-'9FDEV<%,E!VS2,J)&KD/=3`I_FP
M"C/K#6BMDG+DIKRC*6^SPQJ[9+6>I0![)8:^=!-L>"G)PT>,I+0QVR14Q:N%
M5$!(4"^/``&":LO;RK5B02?(/ZY`OD9."&KR2+R(CW*4A63`X*:NODUFYR.X
M(Q7:H"T4`S<05/\`)\P\B#Z95BMQE<;T^.KT''U)G$$K[2K,HE@UKC6`3:?0
M)P;>$0;IQB$01C_1!L5($02^0"^/I@'R>K5A5%ZV4KD"HWDW$8ZDD#Q$>=&0
M=0I&*<.Y>I&;B1VXB4XQL5L=0#&0!ND!!*"9>`*UO#Q#21DI=K%QS:6F4V*4
MO*-V+9&1E4HPBR4:G)/4TBN7R<>FY4*@54Q@2*H8"\`8>0(T-H#0YZ\]J1])
MZC-5)*>+:I&L&UO335Y_:"%,4MD>PHPPQKJ>*4Y@!X=(S@`$?G]<$U9ELKKV
M@STDPF9RCU"9F(J&DJY%RLK6H61DHVO3)4"2\"P?/&2SIG#2I6J0.6J9RH+@
MF7S*;Q#@15EU<UNNO#R"CR!A71Y96,7E3N8MBN>37A%4UX9:0,J@87BL0NB0
M[4RGD+<Y`%/Q$`P"Q+:SUNXM;V^.-?4A>\24.>O2-S6JD"K:Y"`41!NI!O;$
M=@:7=0YVX`06RBQD!('B)>/3`J7L]8K2I/;5KT&HG^AJUCP/$L#D_;2P$*M7
MO$S<2_H:I4R@9I_\;F`H<D]`P#XAZI5J]6V=-@*U`0=0CHP(6/JL/#1T96V,
M."1D`B6<&R;(1C6,!`PD]@B14O`1#QXP.WB?'[0J?TSYG^UZ[])*(1K63:_H
ML;]-(MH=%-O$-WR'TWM.T(I!(A&Q%`,5`A0`@%``#`+K(QL=+LU8^68,I1@N
M*0KL9%J@]9K"@LFX0%5LY3514%%PD10G)1\3E`P>H`.`43FMUUY^I?60,*[_
M`%E:/<2_U,6Q7_55XD4#12\E[J!OKEHT6R8MS*^1D13+X"'B'`%G)KK7R=H?
MWA.BTU.ZRGZ;^IV\E8A"VB1_1D3MXCZ^P%8A+//TI!4Q&WN+&]@AA`GB`B&!
M5Y%X:UNNLB12;*`A6B<%'.(>$(UBV+<D/$.RM".HN**D@0(^.<DCT`401\$C
M@@F`E'P+P!CU>U;K*HQXQ-4US1*Q%"NV<C&5ZH5^%CQ<LY@]A9N!91L>V;>^
MUGU#/DS^/D1X85BB"@^6":LR)"NU]LX;.VT%#-W;-S,/6CI",9).&KRPN!=S
M[MLNF@51!S..C"J\4*(&<J#Y*"8?7!!:*]KR@5&8L=AJE&I]8L%Q=A(6Z<KU
M9A868M+\IE3E>V.3C639[..RG6.(*NCJG`3F'GU'`,B",C2R1YDL>Q"758I1
MBDJ#1`))2-076=(QYWP)_5'8HNG"BA4A-[95#F,`<F$1`HVU;KK-VF_9P$*T
M?).)ATD];1;%!VDZL+A%W/N4W*2!5B.)QTW35>'`P&<J)E,H)A*`@!C<AJG5
MTNK7EI76U!DUJBUDF545D*=77JM893*`M9=I7E',<J>%:RK4?;<IMA2(NG\I
MP,'I@FK,D-6ZZ<CA,\!"G3=2S&?=)FBV)B.9V+&/&,FG!!0$JTM'#$M?8<FY
M61^F2\#![9.!!87&L=;.[+)W-UKVCN;A-QK2%F;6XJ<"M99>'CW+1XPB9.=4
M8&E'\:R=L$%44%53I)J(IF*4#$*(!5G,EKK7R%HD+PC1*:C=98T<:5MZ58A$
M[1)FAVZC2)-(6`C$)9Z:+:+'2;BHL;V$SB4GB`B&!4R9E'1\<P;14>Q9L(MF
MU39,XUDU0:L&C)%,$46C9F@0C=!JDD4"E3*4"%*'`!Q@&(M=7:S8V:,NK+7=
M%9W*$@TJS#6UK48!O9HBMHH?2HUZ,GDH\DJP@TFO],K1)4C<J?R@3CTP35Y&
M=8(&`,`8`P!@#`&`:B][=TSW7?JQLO<U<G6=9?T9YKIZ[GI"+3FVD779':5)
M@[<Y5BU6SSZOQJDH]`H$246*80,D45`*&"8JKH4"??/KE^T+?:GTS?(.1I-X
MJNM9C6=BU'M"!W6YO>P$$7FN*U`Z;E:FUV-8WVQ8Y<'4,=C'+H.VR:ZGN$*T
M>"W$Z68H^[S:803B]Q'W#%0VA8WKWOS;MVKTWJ;8S3844GHW8M!HVP+#,.W2
M;-Y2U-13,N]AI^K/X0TVK(N2J)BD1@X(H&EY<:F3L>_/6UW3]A7%Q-WV$3UM
M,4"#F:G9M/;6K6R9I_MV0"(TZ6CZTFZ>RO-Z1VY*^36NGBF#H)!RDLD'BHW<
M%2#2R6]$=B]6=CX>X3&KY&?=!KR[NM:WR(M5,MU"LM.V!&U^NV67J%@K=UA8
M*:8S4/&6ID+@HHBF4ZOB4YN!'!#369`3#[D/5J9H4'L:MS&S[7`6^PR=8H#.
MK:'W1.VG9DA7(!:S75WK:G,**K9[Q7:!%M'(3DM'M5XN-=ME&JCCZKP1.)TN
MM#)9C[@'4J"UK:]OO]M,O[<4V5TG%3-G:P-G>M#CV)B*'/:ADXINTAEGTS!6
MJ(V/&K_7-4E6S,@.OJCHBR=@B&F5:<3*MA]O-1:YE[E7G;/:MRL5`L$+6+9`
M:HTIM?;$M$2TY26FQT$W#77]1L'BW9TB1:OW*PB":17;='D7"Z2)Q"BV6`W?
M#J[^NQ<(VV(XD$Y/1<1V:6LT=3KJ]HM>Z_SL!<[)$[8N5[1KYJG2ZF_8T*12
M24E';195X0C<B9EE"DP3I?VT-;*M]QR@S.^]T/)F>NU.Z_ZNZO:)V,O![`TA
ML>A[`_?FVMR;6I%>>0E4LM-C=BV\NS6$/!L:^QCV;L7\@<&[=,7IU40$Z'1<
MZFP(=^^N2M2K-F9R.QY.7M=_M.KH[5<1IG:TKO%K?:$P_6;]7IO3,?47&Q8)
M6CP!DY&2<.H])HBP<M5BJG(]9BX$:64_2;L3([FZ94KL=L&?+8"3+3;%I>V&
M#J[U$SZG5?9-^80#MA4H.+/,+NR4R":@#1!F9^X6+X^R+@XD$)*DJ'VG]P#K
MI^V;).OG&TX.=K%PIM"=:JL6CMO0&[9.V;'8OY77<56]/RM-:W^R!=HJ(>NF
M#AFQ6:BA'/3*J)?0O/8#2S8"S[JUW1=//=[7^6?T'7$34FMTFW]RKU@@)V#B
M7C9NN@REJ<]C"6UI9U%G:;4L/]$,HH_.5J1`S@Q4Q$4=:+,B.G=V-!7,K5JC
M,7&K697:=1TP_H.P]9[!U[L6OW^_P+RTT>/L=(M]<B;#"Q5MKC%5XPE%D`C'
M"9#E*X]U-5,@G2RFG^\O7.O6F'HZUDM<O<[%M:]Z3@*K5-9[&MTY,;'UFG5W
M5\A63"MUB34^CK$5;FK]W(J>$:E'IN'!EP2;+&((TO/@?6YNW,!IGL3UOZ\2
M.NMG6>3[%J7-./M]2I%OL-8J'[38M'!#3DC!UN5C0(Y<.P%Z91TV+$,0^M="
M5N(&$2HU3?(Q2,^X=UTL.M&&WJ>VWE>]?2LE*,8B?HW6K?EK3EVE>B&<Q:;)
M%MH;7;IV_I]7(\^E=RR1#,#22*S)!59TD=(`TNM,*G):_N+=3ZA,M8A[>K%+
MHJ475NU92RU'66RKA2:GJ;=!I%/6VT[M=:W5)*L5#7]C6BEREDI!T@B@"1U%
MO;12543#2Z5+;NWO50J=0>UCW6L5L>\V[K9KG9$K+S5?TMM.UZS:['I<(V75
MHIKM"UL:Q8+%79*99*34>P?*+L&A71EA3^C=^P"CBJ\2,]4=^=1:VTQJ!+>V
MT=S7*]R^J*IMG:MWM77FVP3O6E9OLQ+,(FY;PC=>:P@ZGHVA/)V-?M89Q,MV
M)5(>-.]567;H.7XB7%MX9$V7+[@75^@R^V8FSVRW-0T9:*A1MIS+'4VU)NM5
M>\;!EM?0U%I(6.%ITA#SEPMSC:$*JQBXU9X^5:NO?]H$@$V"-+?M*777W">M
M&S[I7]?U^6V/&66?NTMJQ1&YZ6VU1XRL;AAX.0M+C35VG[53HJ"J&U753BUI
M5K"/W"+MW'>TNB4Y'+7WP<6BR[!^XCI2DU/>,RUK6YI6RZ9U/L3;[&ERND=O
MTN0VO5-:/&D-9Y75CZS41HA<Z_"6*58-I.1CB.T(QJ_0?K!]"HFN<-+["FK7
M>+7Z["4V[>;@[U[K!'KEIW;*^J;;IG9\)M^LR>S-D["H$-(++/69']P_N+8J
M\W@ZW78Z!"8>/6Y7"(N4I1DF4-+RXU,F<?<&ZTL:BRM,G+[$BI![MM#0A=;2
M.F=L-]R-MT/Z+(;*@M</M2?L\U\:3]HHT<,G%F.Q!F_:*I*HKF34`V!I9L'K
M#=>N-O:S:[<ILXJ6DJ_N5&1>6>)EJ5)U>1I,S+5R[PER@+<RAINHSE,L$"]9
M2C600;JLW#10J@`!>1$--.CS-=H[[A77*6HG]R6`[A5J4M8JE5M;/%>ON[&;
MW>LO>VD[)5(F@H9[16TQN)E,1-:?/P=0:#MLWBT!?KJ),C%<&$Z76A]2GW#.
MLD?!:ZF&4UL6T2.UD-IC2J+2M*;>MVSGDEHZ<AZ[N2N2VMH&EO;G5[3K*6FD
MTYB/E&;-TU%-3Y!$H`(:61A<ON.:T=VVV:\H`6QG$+]+Y?MI3>S;G4>R[MI"
M+K+BLV*PP=@FD(6#B0F*]&1,05ZNF269+O7?_L=,4I$P$*&E_;0E`G?CKM#7
M)KJR?N5CE+G#2&GJML"RP.H=HFUM3+3O&`JDKJ@UVNJ%<DZCK]EM%S;V*$06
M2DP`KIP#=90IRF-@:7F3&CV6TXX)5SI6=<Q;EOBY=:J^/Z%/%^LW%0%=@(VF
MLG\HX/I6\<IJ^:`'ZO@P6^E`4UC`JEYB*/["$H?[CW4B:BKQ.MK]8FL)2JRR
MNK:5E-8;.BV6RJ9*7-GK>(M6D%'M21-NV#F]B23.#8K5@LI];(R#(B('*_9'
M<"=$C;+7MX8;(IT+=8R$N=<93B3I1&$V%3+'KZXQXLW[J.61FJA;8^*GXA4R
M[0QTP70("R!B*IB9)0AS#%X&:8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`U%[W:RV5N#JOLR@:>A
M(&R;+DW>NY6HP5IF$Z_7)21J.T:5<5&DW-*(._TZ,490"OO*%175`@#[:2AQ
M*0PF+2>.1UU;HZK=G^P&PK'VFD]06/75AKVTNM3NM:"K?86*H^V[IK[2]`[)
MTRZSD=N/6=C)4Z9<I5_VE?N(%L:;21>,*X1O(N6`29R-1FI12H5-YZ/[-GM5
M6B)U;IVR4,]ZZ?\`>>DR=.VQN^.VA>_[X=B=WZ6O,6>W["D+;<$)AU>F='DI
M1XY2DWD?&JJ`W%41$!-#0U*N/-$T]I>N^YIO?-GWY1Z]!6).H3G0B[4.I2EP
MK]:6VI,:'V!VG-LO7C)_-N4(^`L9ZCNYH[@%Y$R,>[FB(I*+(IE672DB+5*=
M_P`"2/M]6NSWN6[R7&VU&/HTK,]U9UN-7CK)"7`(=.N]=.M]6-'2]EK*SNLR
M5LCW,*HWFDX]R\:1\LDX9%<KF;'4,(EP[C4U]TPWS6-3?;YF`I.P;99^MFJM
MKZFVOK#1W8I316Q?I]K_`-OI5O9:;L6.N%&K-D0K<YK!LWD(E]-,6SQI)&<I
M'4<,DD%AEJ57VLN\S]NJ9GKUHFC5_73&A]4YOK"VJ&[J=-WT+M;*+L35^N]Q
MT33<!^L/GLC(;">%1[.2Z[F9*Y6(FYI4>83F!1`0#5@W^*IB]4ZX]X(6@Z8L
M&T*+<[_9KW8=TW/M=J32/:!/1LD_VZ^CM7ZZZ]V^:VO!S]0EK/JRHZIU<JA+
MQ47*$=)R$JW<E828L@0*%8\/87.@=!=^/NM6W=+V]C6:?8]@?:]ZM]78M^%J
M+8(!MNW4X=DU+-%23QD5>:=TYH_V!#`>1,B91\S=K"4AEB*DP'):JKF46\>O
M/</M;;=F;3L77U32KF+UUTQ6HE&2[%UZ.O-]NG6SLU<]W[%JC;9VK'+X-:(V
M."GR,ZG.$7%5)\!'3Y-B`G02!.,<$^9GM+Z^[:T_>M4]FM5]7=HO[&VL/8B%
MV]J#;'9RJ[)W78$MR5;0<+!;@0V;<]D6RBG6AO\`RX0L2YARV+W$H1R*Z`*.
M$C,U1#::HW_&),6K-)]L:)]M&9T_6U:KK+MRM3]U.8$8.Q-9&KUN\WC9-\N4
M6UK]N5AWC9N0["PD282:\<I]"NHFNLT$4CH8(;CJK^$U/B.IVS70]AK7=^GF
M])J%V!_Y53ZOK*G=MA:.T]0O&GT]]NYG=$=O"W;F<,:-;*Q/W:/!@TBK69JN
MP?*J>!Q7D([!EJ6&*]V!N+<=&]HME?;SINL=CS57N/;"N1^C=AS:DG+-V59N
MFQ=([9HFY&5.L5EA(!A&E4M(T5&%D9AK%(L3/'"KU-H1#Q1`8U2E59$`7?2'
M:K9&QK7VU5T&2L6:-V]TSEZMUQD-FZZ=;$M.O^M:F[SW&:<W**G7VI(>X3[W
ML._-$L%9L6RS&O(@Z>-%7GMMA-4O#7F7[K5UM[(1N_:ANK:FMX.@MG6_N\^T
M)N!97R`MKNL5G>T%IR/U<U<O(LQ49.==H4QTG*$9@H@R=IG*119`R*ZH2:I1
M<D;9=A-?;,DNQO3+;M&I2EZKFKK;M>O['9,+%7(&7K5>VU1FM::7M%"SR,2T
MGH>KR$:4T@R:+'E#HK@9JW<&(9,1":HT:%M^L_;REZ&Z5ZM5HUTOU.UQUXN&
MO=JZ@U-V6-H!=EO)TI3B:YN]WV'6K/4YFXZGK<0RFVKQC$R#E=!R]1=%BY0Q
M$RMAEJ56^T^JMTH[%1G6#L=K.0JL`E=-B_;4Z;=;*PQ;6^)<,7^V].:LW#5+
M_"'E%5^&D/'S-N8D;OW(E1=IK&.4?D/P&I53[699LOKEV(L&X>SJ>D=2V336
MKMPZ:[/P>V6-BW#2Y_4_8[:]TH#:IZ;V)KC6C&;G)74VQ9&0()[/,.$*TW>,
MDO!ZA*.C)/&P)JBKG@6G8/6WM1583L=0-=:?@=F,>YW4S3NCW]O>[%J5:BM"
M[!JNIK)I*W/=AQ<RL$W;]<M("Q-YIA^VT)1^Z>MWK0[9`BZ+L0JJUY,EPW5'
M;,?0MN5%A$LGZD[]P3JENZK.G<]%%<36I-./.G"5FM,D<RWBTFDF6F)I4K%0
M?J5CMTP3`153Y$55?8_B?K_J_N9>T2THC`Q/T[G[HD'V>9KJ3T4;QU$PTC7:
M4>QJ(?4$4&10LD<HG^F\E=G2+Y``%,`X8U+[*&I]+Z>]P[JJ]+M6AVQEL!WT
MB[@:"V;N7:':-SMB#V?OG=C#5C*`MNL-;-)J3K^I=,R;FH2#A!!G#P$@R;*M
MV2\:!&I%EH);CPYHE&R=9^SVP(VN[+2U$VJ%WH.E/M[OH75EMV12U5K-LOII
MV@VAM2X:V?VJGO[37H]O<J=(LCPTN8RC))\_;"Y!$S=R1*1J2PX5?VF=U;KO
MV"O78R)[07+6:&KQL?;;6=Z?:QD[K4+'9:7J/4G3W?NE6=KL\I5).7J;^Y6[
M8>TB%_3H=](@VARM#J.#*$<)HA5)4[/B3Q0^LUSD^KW;C0MV<I4^0[`;.[TG
MA)I@[;31HNF]B]E;2D:79O!FN4I7A*W<6SP[0QR*HJ\I'\3@/$&+>*:X4(&"
MO=R)N"ZIW2Q=5FT;LCI1>(H\S1X+<>KW-6W]`V;1FT=#7FPZ,F7$NR"M*UC]
MT,9R+:7-&M*NF2CA@8R*O]89)PQQS+GULZQ[TJ_8.A[[V'4H6IA;Y?OIL6_5
M*/M,//*ZPD>PUSZNGU91E'T>8K6T32E.TLY=SCR.!6.0F#K)I++)&175!R35
M%V?$@*-Z?]H*OI^!ULCJYG/2%R^TS?.GUAD8Z_TILQUWNEC#VV3KC.?3E95B
MXFJU<9"PDCV\C$%?@S<IB=VFDV-[X"=2K7_54F.4ZE;R<Z][8P"%;B#2NUMR
M]$KC2D1LL.0DE`:-IG4J&V0X=KBO[<<K$O\`5$X1!)80.\*W(9(!!9/F"-2P
M[F8PYZ\]I9#8=&U4MIEBTU53_N"=@NSTQOE':--,RE-8;NK78U6!9U:A>]^]
M0N]9GMXMV<J@_;-&9"1QUV:[T%@(B)JJ5XTH1QI#I#/5#3)M>[QZ>;GW':M4
M]<X/KRT>R?=DUNHNT(1G==5C*O.ND-;]KQ3G29W)M4PUQ8*OF]2?P#Z(:,&+
MGW$B.@D.6-4^/(W_`.E[7M?3JA!:\[#U>9DXU%AL:Q0FQ;GM.J7K9%9A%MI2
M374>F=E.*ZQ*EL"_0NIEFKB6M;9RLU7=HBW46?./-^X&,M.:-Y\&(P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@&$;$UIKO;M4D*)M2BU'8]+E3M%I&J7>O15HK[Q=@Y2>Q[E>
M)F6KQD=U'O4"+-U?#W$%B%.0Q3E`0!-K(J*%KZB:LJ<11-:4RK:_I4"FLE"U
M*F0,96J[%$<N5GKKZ&'AVS-@V,[>N5%UC%3`RJRAU#B8YC&$&ZXLR_`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P")MZ[?@-`ZAOVY;1'2\O7]>0"UAE8V!39JS#QJ@L@B9&/3?NV#,[@3+@(
M`HLF7@!]<$I5=#-D[A459U*K)6FN*6==N^=HUQ.;C#SJS2,<`TDG2405T,@H
MWCW8@DN<$Q*DI\IQ`?3!!4.;-6V;_P#2G=@A&LI[3M?]-<RK!!_[+!HB_?+?
M1JKE<>TS8N$UE3>/":1RG-P4P"(%F4V1KQ&NQ=O5OM+2J4X[;L(6T*6F#)79
MA\\75;-&<7-F?!&2#MTY0.FFFDJ<YSD,4H"("&!1ER1M]3<3I:LA:*ZO9C-'
MD@6NHS<:I.F81[TT:_>EB".32`M&,B06ZRGM^"2X"0P@8.,`XV=UIL@O/MF%
MMK+YS4WB4=:6[.>BG*]:D%__`%#"?21='4AGBW'RI.`3.;\`P"D_N)K_`/;L
MI;_WU3OVG".G3&:M'[FA/V[$/63HC%ZSE)OZW]-8.FCU0J*J:JI#IJF`A@`P
M@&`7#]W5/]4A8/\`<]>_6K)'KRU=A_UJ-_5)^*:I$7<R<+'_`%/U<I'MT52G
M460(HF0I@$1`!#`,*:[QU*\VW8-$MK[75-M5:G5Z_3U(^O2)+Q]5M#VS,(:1
M.0XE25.LK47QU4$S&<-6Y$UEB)I.&YU1-'2O`REG?J+(U=Y=XZYU61ID>A(.
M7ULC[!$OJVT;Q7N!)K.)MJ[5C4DXX43@N)E`!(2B!N!`<$&KE"[Q:=V5M.L5
M"I6&KO\`75WZ]T3?-,VTO;6,;%3_`/<&ZRM1@:0E"RC5DY:6)9./(X%!9<CX
MJJOTQVI%2&P9.+2QS-M5K+7&T\RJKB?A&]HDF#F4CJVM*L4IY_&,S@F[D64.
M=<L@Z8-5#`519-,R9##P80'!B5"\U#-OK_J9:,;_`*5],,I[[]JE^F@\`#,_
MK_<5+]']64P"G[GC[@#\O.`6TETIRDPO74[96E+`UCWDLZ@R3L6:8;14>]5C
M'\FO&%="]1CV,BB=NLL8@)I+D,F80,`A@'RPN],E32Q(NW5B2/`.6#.=*PGX
MIX:%>2I$58QK+%;NU!C7,BFX3,@1;P,L4Y1(`@(<A1GRUO-)?/H2,97&K/)*
MS,GLE6X]K88EP^L$=&CXR,A"-$G9UY9DP$.%E4"J)I#_`#"&!1G$KL"AH/K'
M&+W:HHR5.CRRUNCU;)#)OJK%&1^H+)V-H=Z"\''F0^<%G14DQ)Z\\>N!1ELM
M6SJ75J@G<G5GK!HR3CU'5477LD2S8W!X>,<2D7&5V25<&;2CJ8;MQ%N#?WC*
M$^8A3`&":&*:8W=6]LZQT9>G:T/4;%O+4U,VK":^>V*/=SZ+.T5"'MD@PCDS
MECWL^C7$Y8$EW2+4A.">9B)@;Q`&J.G(OMFW5J6H5Z[6FP;&IS*$UQ5E;K>'
M1)^->JUJK)LUWZ<S)L6+AR^0:/&S8XMA]L1=&#Q1`YA`!"C*NM;;UC;X*AV2
MO7RJ2$1M!D1_KUP2=CDE+@B+0KY5.`:KN$W4D\9MC<N$$B&6;"!@5*02B`!1
MHP'9G8.MZ^V)I;6C,(>SV3:NW6VKIF+96>.0FZ`W?:@VOM>.M$Q`II/9%5I(
MI:O%FBDH5J53ZT%BJB"?@H"54V5%5WW7)B?[#QMG_2:)!]?]G0.N9&U6&R,&
M</,?KNI-5;11FG#F02C6D"F179Y(TJ*BRWN*-?<`X>Z"9`I@NTE\UFK9&KU\
M>P0A&4:T:OY%X:58%:L&+]'ZEB]>N!<`DU:/&_\`4244$I%"?,41#UP06JZV
MM2KU>Z3$-$A;[)5*?,6IG2&4Y7X.6L"K&.DW<3$IR5DD8N"@OW$^BSM$'TBX
M;1Z2GD=98B::AB@<;"_5==:$BI*=K\+:YN-4?IT]Y9(%:?248QK24FVB35I(
M+?J!H%L\(9TJV]U$B9BJ>7MF*80H811>QVB=D4R2V'3=KT:5I,1;[)0Y.RFL
M,='Q3&UU2WR]$E8ARYDEVA455+-!N$69C<)R"7MKM3*H+)*'$T:)/<V:MLW_
M`.E.[!!M93VG:_Z:YEF"#_V&#1%^^6^C5<%<>TR8N4UE3>/":2A3FX*8!$06
M@^Q]>I5Z*MRE\IB=4G7;:/@[.>T09*],OWJZK5FRBIHSX(V1=NW*!TTDT53G
M4.0Q2@(@(8%#&J#O346T)'9$50M@5NRR&HK6\I.QFT?()&/5[%'Q49,O6C_W
M!3`6S=C+I>3I,3M?=*JE[GNHK$()HS)S[$U^D[BV"EZIR;Z;EW-?A61[/"$=
MR\\S*D=Y"1;8SX%I"7:E7(*C9(IUB`<OD4.0P0895^PFDKD[VHRKNSZ:^6TE
M95JEM0QIQDS;TN;;0,#8W*4PZ>JMVR3)M&61K[CLIS-2.!50%0%T%DTQ-'[S
M/G-UIK(]93>6VLM%+J<B5-3<ST4@>VJ*-TW::=9(J[(:>.HT6(J4&ONB*9P,
M'H(#@@YIBV5:NO8.-L%EK\%(V9\,96V$Q,QT8]L,D`$$8^#:O7*"\L^`%2_T
MD"J*?,'IZA@'"SNM-D%9]!A;:R^7JKY.+M"+.>BG*M;DUC>",=/IHNSGAWRI
M_0J+@$U##Z`&`4K#85!E5H9O%WBGR3BQN9IE7D&%FA7BT\\K1C$L;2&2;O5#
MRCF`,40>IH`<S40'W0+@4-?]-=IXK<^B9#:]?KK!6[L*WL*Q#IAE>JN>U*$I
MEFN-9AFR\G.+UV-A$;F[J?\`TSZ2!G'H&<?U5@33.K@R<:.G`GF(O]<?#68R
M4EH*`N-EC2/$*.\LM?=6-)ZC$,9F8BF[>/D7))=Q!-7Z9G"C,5D03,54#"D<
MAA&)>VEGK3^5FH%C88-[.5LC-2Q0S268.96!3D$3.6!YJ.1<'>19'S<@J(BN
M1,%2`)B\@'.`0C1NQU1ONV=NZ]AG$`ZJ^J]<ZAV$.RHVVQ4K7)QOM&8W#$.V
M)5&A!81Y*HKJ505EQ>*E5%YXB5(41%02U15)Y5F(A!P\:+2D<BZCX].6?ME7
MS9-PQBE3.2)2;Q$ZH*-H]0[)8"K'`J8BD<`'Y3<"#6"6[=Z[JSI>M7E6*I6Q
MI@F[I/6-!E;C5920V?4M,R";,;;#258D9R,B6=P0?LEV+%\=&6(#H4E&H+H.
M$TQ.EO+(D;K[NVN;^U+KO94,M$,I.XZYUU>K#3&-B86&3H;W85-B+@WK4ZJT
M(V72>LFTJ!"F6;-C."$]P$R@/``U1T).:V:MOYB8KS&P0;RP5Y)DO/P;668.
M)B#1DDC.(Y:8C$7!WL8D_0*)T3+$("I`$2\A@@H8:]4BQM&S^O7&JSS%XNFU
M:/8:PQ$HT=.5G+UFDW;.6+Q=%==5W&.4BD*83&4;J%`/),P`!&>T]^533_U%
M@N(,V.JZW2=G739>TSV:LIQ&MT];-ZR\-#2M:-)_O.=E;`TG7!D"1;!Y].=C
M[3CVU730BPE*O>2/7-@4>WUQI;ZQ;JY.5A\+(C>=C)F.>1AEY#Z0K-H=X@X.
M@D]74?H$*B8P*^XJ0OCY&`!"C6!6.[C48^7;P#^U5QE//`?"TA'<Y&-I=T$7
M')3$F+>-6=$>+A'1*Y'2_B0?9;'*H?@@@;!!;G&R-=M*U'W-U?:6VI\LHW1B
MK8XM,&C6I-9VJ=!JE'SJCXL6]4<KIF(F5-4PG.`@'(A@49%?93L-`==]47#8
MRS>,M,Q5TH=5O1RV1C"R\S^J3D-%*E;F40D7*?T+*7^L.(-E/Z*8B/B4?,!*
M563#+7:F0`+C.VZL0H-I2,@W(RT_%1P-YJ:236AH=?ZQVC[4I+(K$.V;FX57
M*8!(4P"&"*,PNO;WU!:M@;)U9`;!K<C?]0HQ#G8U:3D$DWU7;S<=^K,EWWO"
MFD=%-B8IG!TS'*T,<I%A3.8"X)HZ5X$B.;!`LFY7CR;B&C0T4\G2NG,DS0;F
MA(Y)NO(3)5U5B)#%,$'21UG'/LI$4()C`!@Y$$+6'?\``QNR^OE%K[>-M\)O
MTNRU8R[PEC9.H:+;:[J9+0+IJ+)!\UGD)<3"W`R3E(J(E$W)_P"7!-,&^1=K
MCV-T30JHRO-IVQ1(^H2-]K&L&EA2LD9(12E\MUEBJE"UHSR.<.D47_ZU-(%=
M>8E(P;B=PY%)!)10@4>1"UL[966MVY*G-M'2LS*RM;[+V>GM&^R]:-U;Q':`
M_M:,&YB)%2</5(%MM(FRRF:C/2<0K%%9^3U,A5BB430G>C[XU!L>U7FBTW85
M5G;IK:SFIMVK#&89*S$+94:O6[@[C@:>Z"LB1A"VQD*[AJ"S9)<RC<R@+H+I
MIB*-8F=2MOJ<#"/+-.6BNPU;CU5D']@E9N-CH1BLV>'CG"+R6>.46#95"03,
M@<IU"B58HD'@P"&"#@D;S28=.-6EKC5HM*94B4H=61L,2Q3E59\ZJ4$G&G<N
MTBOE)I1`Y6@)"87)B&!/R$!P")>P?82MZ&K#:57"(L5H>6[4%>:T3]S1\/8G
M,/M/=%$TZM:F[)1)](+Q59=77ZM0Q6PIK"V%`5$A/YD$I5)M<ST&S3D%7DS$
MM4HEPU:2JCF19H)QCI\5J=DVD#JK%*S</"/D!2(H)3*`L02@/F7D00-L_LA5
M]6;BU!JR?_16K'9D-M&;G+A+6J-@X^@,]=0L#+-5IIN^2]HS>RGFA1155<-2
MIF1$0]SG@HE*J;)KD+E4(EU7V,K:JW&OK:N#:JLY"<C&;JS.3)D6*WK[=RZ3
M6F5S)*%,!&P*&$I@'C@<$&(T#=>JMI3^QJMK^]5^U6#4UM-1]@Q44^37>5RS
M$@X&Q*,'*7RF633CK(U`RZ/N-P<"JW$_OH+)IB:-%[_N9K@8*3M/]P*1^V82
M24A9FQ_NN!_0HB82<HLU8F3E_K_T]A))NW":1D%5"*@HH4HE\C``B*,O;VSU
MN-DX2%D;#!L)FS"["MQ+V68-9.P"P0*Z?!",%W";J5%DU."BWL$4]M,0,;@!
MYP"RO-F:XC@F!D-@4EB%>8M9.?%Y:X)J$'&OGQXQE(3`KOR?IC%Y))&;I*K>
M":BY13*(F`0P31EV=6VJL9B%KKVS5]G8+(BY<UV"=3,:WF)YNR2!9XO"QBKD
MCV41:(B!U3H$4*F4>3"`8(,@P!@#`&`,`8`P!@&EGW%HR3F>D'92+AHV1F)1
M[K9^BRC(EBZDY)ZL+Y@((LV#%)=VZ6$`$0*F0QA`/A@RC\R.MQKHV&@[L.W8
M;4H,-KR7WL'LD]V.VI3DMY-KV5!Y4)5PG9_TX9EKKJ2JKA5JX!-8L0LFX6.8
M!.LH<T,RKPX:2B[DZ*>V:V?<KV-!:Q2E;8><Z%1DI;G&K9W8LO)]>H.1H4UV
M%K-?K\&ZA+/>:B^U^QDRV>NP,BU=6*/0/'J&44%!,))B\EWFO%PJVE]8TI/L
MC0ML:$WU:6NUMT7C3?6"/Z7[%A>L^V9R<UGH2K;!T]J/7ZK_`&,\H^ZK3/46
M-?PMMC7#E-O.6"915C7+=>5!*!B\.'>7J&8:XN%LNU4T;0'$#W]/]U+<FP&-
MO&ARI;-6Z@QNMF5OUGD]H$B%8<^H&NL7+RL/4B21HI>;<"Q!(SY4`,&*S^6A
M$MPH.K[QULH5(T/IR?B;]2/MZ;;UIWQC&.IKA4[:I>I\=&,6U`W%+JUN+?WK
M<LIN>)G9EDL+F1DO:;2TFDL#=^#AU/<2FZX\\#:?LSI72^M]R=BB>YK3KGKR
MC63IGM[5,%;.O4GL/J[LC<4?JKM=2K!5]DZKID0U96)M.4D&:1WC!5O+1TO&
MPKIN=5ZV9M5QBFVN;Q^!%M$J\MM_L5%6'>:-(ZB;7V9LOHANC0]%M/5G85ZV
M]6:'3-7:0ED=.:-W=%6ZJ5C7M1AKY#7*LV:$-74E(5K+R+B70*C(ER"<EABL
M>).?W`=>TXO9#M$JAJLDG>=I]/NJSUFO4M<+N]@[4UOK;LQM%UW&J=1M$%!'
MEIZRN>M+E",E8E![^J2D4[8LR)+$%NF41')<J_\`@;,]5*_I?8^V.[<MU[UW
M`AU(V#JW0U3;P[+6XU;3^Q=UQ$-N!IM9Y5J3-0$1`S22>O9:D0TV[08BT=.V
M!6:IE%V2Y$I(E5)5^8ZX-'Z'TGM+541[&B*S8F=`^RF77JT>^T^LP;U7L1'R
M=GC]N0:<')5I@FPW(A;(1(L@NF@$R9RGYE5,"ICG<#-MIY_B,DU)K9]:NSE>
M#=VR*IK/=$AOCJ%N744E;NKVSK;O_8&M*=U^T@1*L:Z[#IWB.KU=U_-O8FY5
MFV1AHA4L0ZD)E>2*)Y%-=40WAAE3F2YW9MD=0KM]Q[7T]`W1U=.Q,+TVEM,P
M%>U_<;2YV+$5DT?5[A*P;N`@Y&-694!_$N%ITRBY#1+(I'"X$360%0\A')/E
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M"W"LWGGD<[ADTI8"K1S)9,@G'4^7`R*!H77G73S]0WL>"[)=;MC]>>T:'6AW
M4.M5VB=3P.V]C;[LEJVCIO1^JG0[#DJ;9;&S>125152=%5E6;!T2)5!LB8F"
M*MY8.IA/7K4;B2V)IVN[FN-4TQL&10^V)=NOCW8'5G9-ZW=)475&BNO+@U"T
M_NMO?(F`UY'_`-S*_=(&XPZL.J>+3FY)Y*E.TDDS8#RJNWB9Y7NK-=8];^J;
M.K]?&R-MV3UA^XA"[.:HZV%:?N<K:*>^N%9@-B"ZAQ>3BKK8,7'.H9K*^8(O
M6C8&92>TF4`KB\<*HC!'7NN]BV*K1KB\:LTAK#9?6[IA`]5+M)]/]B;`GX&W
MZ^MUK=[4A.O%CJUEH<=I7<-<W^)9*P,%HH\F]6=LG[@'#5L<J$DUIVXOB;&Z
M=B=4--W=.JS+ZKE3]W:1]P7M99^Q%W;:FLK>RQ%>NE.[BGC;?L+9P5MM&2.N
M-BPD]52U0ZT@X9+LQ8(,P+]`=-N(=:/^VB^!)>Z8NHP';>=V#V,IJTQU4@>Y
ME[DKNO:*-)V_7,5?)K[?G5:M:8V#=(/]%F&+^JQK]A:H5G++-UH^-L3]`AE$
MG)DC%@A/PT6=/BS6""ZYR5R@:!H0NL[W$=>ON/O]DZV6AWE1LD&;6W6CKOVQ
MW'V`TNRM+208-W6OHRY=7K^:"@H^3!HJV8(,8T$TSHD0))E6F/%&S6I6&S=J
M]"?N';JV94KFUVS=NL]SZU#!SU<E6UCFAZN]<;/K>RKP\.X9)RDG&V[L3/7M
M[%&12.219O&ZR`JE6(8PQ=%))95+#%:`K1T]Q[7=Z;;K;81^YE]O,(6^NZ,X
M7N[.AQ].Z!5BS_M^;7CCRS"EIP$K8V,O]&<D>=NO))N_(HN0R":Y+AI?Q-6%
MJ+K&IJ:J@WU6T?K+5&L^Q/W-ZKOMEM/J39-J:CJ.V;[OMW)=<7FS==T^8UDT
M2//=<G4TSI]G=KOHAE%R)(]N8AY!F`":OMK1<3+)SJTZ@M'=I'=<B'6W['4-
M<?;!H[G>,[HRY3=JV3UEID)JN1W<FPUQ^JLMB3=;GM71KT;54HZ82EIMBW/&
MNU57/MD"2*XKVE+;JQIC5U+0[):_VQH;?5K9[7W5>=,]88[IAL:$ZU;8G9W6
MV@JOL#3^H*"H_P!BO:+NNSV"B1LA!VV-<.4F\[8)E)6-<MEI7VA.+='[ZF^6
MHJMKJNP7W;Z7`:TA*1MZ;M>S;E*UR(UZW@;/+42_]:Z*^I[A*3B(1LA;X:2M
MYITB!FCAVD>5!]Q_7,MR,77PO@=<G9BO5FD];X?1->TEK'3LI5?MYZ@MNEWS
M'I[8=N;WWGMV>@;',V^`U/=H)>'+JFVZQM]9BY:=DU2/K$C)RR<TY%)-J55>
M#)-MUKQYDG;[I%'KFT-\,(FF:VI#6#^Y;0-R]@G%BZUSNR:HYZ_V?I[!,M7;
M(V-2*2XHC_9^GF':%4CURJ2468P]C25EGR7_`$3PP20JT7<7.C5?6?7;8'5F
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M@=T$@)R`KP,:NBQX/XFES"M:LF-!TRG::TY9('L[4HS[F\_V/4;Z?MM=NZVG
M[KJ?MPP_^"#8W-:8J6ZK[9VC8J*ZJ30[IZ60,@S48)^$<J#>.PRQKCE@;4UO
M0D`$-NC;;O3R1MO1G>W[69ZML![17:UZAZI7J#]NJ$L*E5FEXT\S%5J-C7]B
M:2YF!DVOLJ2*3SDH."@,:Y+A1_$TPK^D[C+Z?V*U<W")_P#-5KK6'8Z'[,:*
MUWU>V93^Q.WJ=>]Z4J?WVGL[=3B^3S#<:%GK$2XD*@JRCT1GTI),L,!$C*(%
MDSKCV<,3M#ZTZ_ZP[ZVY]Q6K:)U\WK'7C>G7#K7K>4F:UK63UWK>\2<E"=G:
MA<GM$CGT!78B36KU>F(Z/DEF2`$2?(`BJ/O)GX&N54E7.IU_,J]O>\Q#+;]C
MH.R6FP^XD8K]H[9+E[6+#]=7(*H5?6M-DMHRK(8\JL718S:%-W-(LII8I62S
M:R-52*F*X2,<9X9<L?X^PE1'7%!I^V*-:+UJ>,8&4WO]X#7>N[),ZJ5D5V-O
ML6WXJ<T1!P<R>MO5X->8:Q<NYK*X*((*^*XM5!,J/F(X4[C:GH5H^M:;V!T:
M/2-4M=;(S_VJ&S;9[J&IZM;-/7J'L?6!Y$)[%>D8ME):\1RUBL"J(RIU),@O
M)`P#\[C'#M(DZUK_`''6)#Z4O4SJK:K%:WQ(=N]?:\[>Q^_=':_ZQ[*J'9#<
M54V3M:/DMNI;!WHO>IN+VW&VFK-TI2F+,HU`)DKAFA$>T4IT"#*JK_IPXD^R
M=HZM->R&PMR];*0WJ^A=>;'^UO?=FV2AZIL-2H[&*B+#W8J4O?8^HLJQ%.`K
M]33GHB/FY-G'?3,%&ZP.CD%DZ,E!&-*//'X&(62I*;Y)V4G875=MN%4V)6?O
M52M)9V/5=B3&T+S]0Z>*ZOF(VOV6`1=*JW*8KA7]94.@1:1]A-PU`QB<E4)R
MHN.'Q)VH-8ITUV;ZUZ=T=`-T.LW:QCI/NZ_5I]4)5J!'3_2"$=U+848M70BH
M8D-(6':2>EU104:H*+*,'QSD$Q1$1&-&WFL/?_#,J[%]8]?;'V_W+NMNTA'W
M.R37>G[84)'6B5I3F6EE]<L%.J4;<V5>F#,5'2%0/#S<ZSGQ9*%:.&*SQN_$
MZ`*)E$)M))<F1I>F56UE;MB:5G]5Z<UUHB;[9]H9BI7S:?4:>[$4BF2XZIZS
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M2BCOG`7"[1B:E@CG,BX>(R*A`=@90"*&&$F\^%310->7J5J3(-Q:^N\_IOH#
ML;K;TIV6A,4B?F66P-!ZQWB^ONU=B-*HE$NW^Q-73-$A=*RMA,T;/FKIE`2J
M2R:Z:#A(!EAPS>/\?:9I]5^W+OM7=/6?1#W8&@R7ON%?>O.K8G75DKU"V4Z8
M]#-90FP4*I620+0[6A;4W=#RS5'Z-F1*>E22+ABFY.\*JN'"C>.'WD0)5G4D
M\WW[<'L!J/:&A:W._:DV/8)_7'2:8TQH6()3^V=_8[HDJKKV=;W1Q:U*'J)=
M)C:9=$%7C:`XC)`!29J)DDFKPSKCQ,YW32K!(TGMP>L4>RN8:;HOWB5*JE$5
M";^DDHNUT[JH-&3A&K:,`%V]C9,CEBDD2#]65N<B!3>T8"B%FO82#NP^LNM5
M\[K]EJCJ^#CMT=2>X>O.U[V"J6LVT%>=@]<+YU<U#I[9@0UA95YB2R5NPNKG
M;'QTD7;@BECB%U5B`[*8PP%BDN#5/M-A=P5U?K3U#Z1Z2V'5M7*PTG9&@[VW
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M;NG3>$V))%?6.8:-S,8:6LLY.:K18`X5(H[)7U02`X('`DD1=%7BOX_F1+H.
M@'[8;RZL]C^P6BW$@IN:[=B+)/5/9E`?.&-;/IKKIJ;KS"MK77+)&'CVK1U?
MJY<9>%(_1!-;]9!TV`3"DH`E^%-)Y&G^U7+\G51MIJQZ]K%)LM`ZC29M`2<W
MU-NNZ.P6U)=CN+>*43K+1=U;/(O^RS+0[6F5YT"J*;J2C"2325*1NS:('7AF
M2SKPJ=O&F:7H6+N/W7=>R4(VU/9K9L*RVBZ6.@41>I[$#1U_ZP:B;IWZJV*!
MJYGT^F:V)65VR48B_5"P)/#^T9V*H&DUNM%R.K1FN#F*T'!+QG74W3OKGMG8
MU`6['K=,KC,]9MRV:Q=>M?L=8;)VIUYAK#2$&5TJ4>6PU"0MA7\A54I]RBDB
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M4L&H8`P!@#`&`,`8`P!@#`&`1CJS4M6U!'W&-JBLNJVO&SMB;:F?UAZF^43M
M.SK.^MMD28&2;-0;1!)604!J@(',DEP43G'YA$MU).P0,`8`P!@#`&`,`LMD
M@6-JKL_6),5RQMCA96!D#-5"HNBL9ABO'NQ;*F(J5)<$'!O`PE,!3<#P/PP,
ML2P:PU]`ZEUKKS556/(*UC65&J6OJXI+N2/952!ID!'UR(/)O$D&J;N0/'QJ
M8K*E23*HIY&`I0'@!+=74SG!`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`1M$ZKK,-MJ\[G:*RQK?L&BZXUY.I+O4U(5.`U;-;)GJT
M:-8`V(JU?J/MJ2?U2@JG*L0J``4@IF$XFN%.!).""&H[25?9[UL'8)[8;A/W
M"5H++6=?AIF2C3T_7E0"283EC8TB(CX:.=MG5ZGX=@]F',@ZD5UU8YL1$R""
M0)")KA0F7!`P!@#`&`,`8`P!@$-;PTC7=^U>&I%RGK9'4]E=*I;[)7:R^BX]
MCL)G4)9"?94>ZK/H:4?N*/)33%JO(-F"T>Y>$;`W.X^F5<(K"4Z$RX(&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`-2.]ENM%$ZH;>ME+GY6KV:'CZTI%ST(Z
M.QE(\[F[UEBX,T=)_.B9=FY42,(?$AQ#\<$QS-()'NA&ZU['UR1L.R=O7.CC
M%_<(I+#6#N&K1[CLC=5`[2=<*!KS5FJJ-3@8-+J_@BS\I$U-P\,21_1G#AY+
MN$4R.W20RTU7;@;75/O95+/M>NZY<ZDVS7:S9]F670<5N:71HRFLW/8JCU2;
MM=XT^W/&W5]<'#JN?M69B/UTD2-<>6"%>,&SU50J)EQ&G"IG6X.T:NE[_6*_
M9M(;7=ZTG+7K6BR>]XUUK,*!7;7MRVQ5$I3!:`D-A,=GS+`+;/1[.3>Q\"Y;
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MQ=`8(=G:Q9-IZ^TS`2.O/?V`3]G_`*O=]LU=5(ER&MF+!S[235]MO]1].(T,
MG.![:S,[MZHZ*3ZZ[6:;*7H=3V7N&(<6?2AF>A:;>[5=Z=4)2U22.T5$KP:8
ME=>RBHI5(LZ=JT1(=P"2JJ2!Q&G"M<"P;[[T0FC-A7_7Z6BMY;2/J#3U7[`[
M>M&O(NC'K5"T]8Y;8<2K8CK6N]5B4M-@B1UG*.30,.U?2SIH@8[=%4Q?`04:
MJM3)9_N#%UK9VNJC*:AV:GK';5EK5&UUV%1>ZS=:TM5TN=/4NE3CX^$:[!6V
MD2NSK1(8Y*:6@$HXLR8C<YRIG*X$-.':B)(_[ASF<T!`]FZ[U"[.2FHINJRF
MS33#H=%5^58Z@A:U!V1YL`]?L&ZHV5=JRB,HZ+#PB":DW*)QBRQ&Z:2K,SD-
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ML5NH=P5RZ$RCXM*)[<?<"@XJW,*S9-`;QK<=#6O4.O=V7)\75SRK=?-C;\?P
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M(RL`"YF1#ODQ9@"C7B?<C]QV/J\,[E+9UTW<1MK'7%$V7VHF*Z?5DY!]:8"_
MMW\C$.+2+/9J[^[KM*K&GLLFTJB<^ZAZVJBY<E!94C8PC3VF?TCOG3;QNU#4
M*&I=OP,&_P!P[:Z_0NY;$QI++65AW%IV#M%NL=3@Q;79[<731_3Z>_?,9-2)
M2CUSMU&ON@Y252(&G"I)4/V95NW7BE]@]5:7VELQIL=NRDJ50HE77U=M4C79
M9X^+#6^4D;M>*W3H&K2,(U3E`<+R?O%9.D0!$RYO9`12CHS6]Y]S.JKL8(M-
MZX=BK_:G>L=M[7MU+K[#5;.3US`:!VI(:=W/$6B8L&T8>JOK95+M%+MV+&)?
MR03Y2@I'J+(B*I8J9:>TB;MKW^/.ZDN277:H;KDH*'L?5"-L'9"EI5>(IM"F
M]Z7725RKM2?-I6V1FQ9`\KJW8T:K..8V%>LH=M/-TW:A1,Y^FD1CCCVF_'8_
ML)+]>J[^[6VBMK;@K<1!66WWJ6UR\UBR0HU0J#5L^F9!XEL38=&=6&=<LUSJ
M1T1$)OGK_P"F6*`$,"8*C%*O$B1UWWH:DY>'M:UOLNU:/T_66MIWEV5:!2(?
M5.K&C[4[#=:3%PPLERA]DW>5C==S<8]DT*]`R@QQI5J@H(N!710$Z7[66@.]
M5F!I1(]?IQV0C=E;B?2CC2NHIF2T-'76\T:NUIM:K9L2>7-N56KZLA*@RD6+
M60:620CY5.5E6+)-LJLN8$@T]JH7FM_<&TU:Z)L?8$37=CIQFJ^M,KV9N$1*
MP$7%V2+AZU:-RTBX:V=Q3B=$K;:%-N6BIV,D6AU0CR.DT_:>*IF$Y0TO+M+`
MC]PZJ.[X^K#'16]'-+@]Q:VT%9]Q&8:]:T"#VKN6I:XM6K:^1NYV`G<YIC8U
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MK5]+N%Y2*$UJ*:SU-9O8Y6/D&,BX*V(@JJN0!$Z51XHG"R?<'JL-IW7_`&*A
M]';NM6@[/1(O8MYV8P1UE%M]/U][*N8:796ZK6'9,5<K!9Z0Z8N59MA76$R9
MHT:J*(G<&%)-01IQIQ.:+^X-2'^SG%+?ZBW#6Z"T[`7CJXZWM86U!8ZV+NRD
MQL[-G@T6*=\<;`<U::BJZX!O/DA?TM-^8C-=1);W/:#3A7#(P*/^Z1K-&-C;
M+>-'=A=<TFY:1NW8K4EPL%;I4DQV[JFI2VMX"*<52*JU\G;'&WJ_S6V:^C"5
MJ79QTNN65;&620\U"I"=#X-%_P#_`/HG'_KL?JK_`,MN[T^S3_8$E1/_`"W.
MI?2+2V(HQ6LXW<3BYA?7&VB:@>U)?7TLDJ@=M/K/5I(B[$&P*-71T1&GC7`V
M^W-N6O:,UX79ERC)M2N(6C7%:FOTI*/<.Z\GL>_5C7R%@E2+R#9N$#5Y"TI.
MY55%14Z$>@NJF142`4PA*N!KF7[@>F%9GL)`(0UZ/)]=MX:@T-/)JQ<.T;W.
MT;FLL#2H"<H;IU.I(RE1@[G(2<9*NW(M#M'-;E>$E"MRF4$Z7[T7GKUW7JG8
M.Y1M49:NVOKIG>M9.]WZ.M>PXRKLH+>>FF$]!UU[?:>A`VF>G:^F@ZM<*[_3
M+"SB)8T7.,'7T_"JI$`<:$>)_</AI==Y&4SKKOJVV*3W3L306JH!$FJX%UN>
M_:;FME16XY"G.[)LR+CX77FM6^M%UWM@GU8ADZ5?-FC'ZIV<40#3VHNM-^X'
M4MLRU%B=)Z6W-M`\S2ZIL+:KQLGK>EL>NM9M5KL]*(SVTXV!L.LIGN\-/T:>
M*]@8$9I^BWA7*_`IJ,Q=AIIF8HP^YYJ5"OFOMZU;NG6NK;1J6][NT7L.SPE1
M=L.P=`U\C#NY`]`KE;N4U<86TV>+L4?(UV&L3"&?S<8\(LB0IDW*2`:'6BS/
MR2^Y+$UB3FZ9>NKG96H[:A;3U]IQ-5*Q^IIZ:G9GLZ^VC'ZG5KUFKNU9*@/X
M95UJE^G,OE)5!O"*>0.1`J*QB"='&JH5<-W-)L*\ZW2K-)WW&[):Q':^MV3J
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M;PC9.Y*WYL6%U=25FL,^?Q#.)>!!K-D'`^"!EQ,H\NPN.X_N/7NATZZHPW4K
M:\1NJG6+K4\-JJ_V/20.)/4_83=*6I8^\(3=4W/)UEK*MI>/>Q2D0O))2,=,
MN6*KE`T8=9V0%!-YX&UNW.T*FKK!I'7C'36Q=@[BWI$VJQ0&JZQ,:NC):!K^
MNV52>;*D9^SW+8%9HJJE//=HYN+:.DWSF077$S4BK=-9PD(2K5\$:TF[XQE`
MM=NU_`47LIV8OTWN/M2SA:U#P>F((*A#=</[5K[`A&$Y)6V@P"-"@F>R6@0#
MF6<+34JZ.9JJ85CH`83I[ED&7W4M5J4EYL&6TCV'@H"6UUI3<6I&;NK4YY:M
MW:KWQM"HZ?IEHI-6BKV^E(>13NMYBBN8>P!#RJ;*1;+@B/N'(D&A\U4PO;??
M=U$SU!L,M0-S:MFNO^V=KAV1T$Z<T>5N4[3XKI#O3>M45BW5.NE@H-Z@)V.@
MF\I&F;R_`2T0LU5!)TU,3("C_'M-K-C]CJ_;J-VSK.L)*:3G].==&U__`+AQ
MIFZ$"WE=F:WO=MI2%=ED7:CX]AA8.`93#@1;IIH-I5@<AU#*'*G)"6*KS-:=
M._<?@H+2NNU-UZD[`U6[R?7?3NRM<-;-$4R;M_9U*Y26M]7-?[?,:]>IA5EL
M":VKL>!9.(:RG@WS4+"R=.010,Y.U$N&.%,_<76S_<#J,0\-<[Q`=@]1S&BZ
MQVRD]U=>U8'4\\L[=Z'U!K;<4FWL$_%V"Q(RJYM=WR+F:@O6IGZ*5_53)/C$
M.G[*0:>5,:&>J?<-@(UG9XZU=>]]4[:#9]I)MK734ZVUB:\[B;=C9JX0&HWM
M6=1.R9.GUT7LAKZ=-.H6"3BEZTVB7"[XI$P3%01I]QD+7NF]MG73M1MVEZ/V
M1&[&ZN26Q*3:=.7\](AIY;8VO]=U?8$@S;3#"\.Z?+5(L?;VJJ4DVE@3D&B9
MU6@G\T`4#31I5P9IE3ON&[.@+O:=L[.T+O-[15.BG4[L-L6G4R0UM,570L#-
MVKLPIL;9QR/-F$;2XV*!AHY\A$PSB6L;F&B/ZS4CAM[!AEIX*F;-WD.\]$<[
MK::N0U[LL]&?;C?]<6?8/Z6I%U,Y[!QE2>7%[K)!N:V!L10J+:-<Q8S@0?Z$
M-C0/%@Z%P&#'2Z5XFNTWW/G]%]I>ZK2]TC=-_P!(ZO=];)JSW6M_M1Y0.O5,
MNNM6Z,S8745/6V$L\RR"=16EIYO78Z6=1T80SY=,`,F103IK%4S)(MGW,M04
M-]=)JXZZV_"Z3JZ^_(.#["#"U9]KG8EYZRURXVC;])IL>QMR]\4?1D?KJQ)1
M;]]$,HF:>0#])JY.":)W`*#>69QSG=/=[';73NB%ZA7ZO1/9*R[-C+/^Y+WH
MF3G*C`TVF&M,1/QSJH[GEZ^]078G"2>$35>*_0-UD$$U'ID4U`TJC=<C.-Z_
M<"T[UZC-[R%ZKVPW#C0-TTS4K'#P$+%2,O96.[8Z&EH&YT]JK.M"R-3KT:XF
M%Y=9<S9=LE6)4Q$E013]T0HM^T^-C=[JW4]F6K2]`TQN/>NUZQ+.&!:;K)M0
MDCS$?`ZVH>U+U8F,Y=KS4J\VAZ77-IU=FK]4Y;N'TW86+%FDN8ZRB(*/%X(U
M/K_9^R[6['4"RZ\V-<%--[/WYU*E*E"K.G4<S7UMM'HUV`V>YA'L(M\[!"8L
M$3&R#]FIP8LBR()P`Z>"6J+'/^J.YS!@,`8`P!@#`&`,`U^[3ZBF]\:#V'J:
MN2D5"S5P9PK=C)S979HMJ:,L\).+&=E8HKNQ*HWC#D+X$'YS!SZ<C@E.CJ=?
M%J^VE?[)LF$VM&[2KE*V+K"Y]Y=K:'V!!LYA[-Z[VAV6WAK;8U!?R$2Y19Q]
MFIAJ#6)JK7B&5632F(J<60;J%,8CE`9:EEPP+EUU^W[8M3[_`%=H7;273:UJ
M3NVMA;^=[G:%NR^^J!>]LM)ZRVZG4]"5HH0MBAX#8MLDFD-9'$K$OPJ:R;5:
M,^J3.NL#E5452EWQT`VYM3L/==CMT.N-J@K7O#J]N"L;4VHSN<YO;255T)9-
M1SMDT=J&,)"2-3K=:N;_`%M(224VSD8YPD]LS]-XP>\I.B"5))4Q)QUST\O-
M,4Z=G?VNJ/`ZX[O[2;0M/TB<P`S\/O:+WZPKD;`>\S)X24*IMID+T7'MI"5J
MO[1C?T_(8N6?:B-5_M^EB^XMUWJWTSU1VM4]G[FH.\GM]VNSM2&^M.VJJU2D
MU>38:_1856QU:Z,@>ZZ834"X=R$`O!R;QUY`\3(W\1.KPTQ,4L/VV-@6OKCU
MMT?(;(I\9,:4ZO;ATS)VII'34FT/L.WCJ28U]<(:+<I,%)*NURV:N3<2#5RJ
MT7<MC@FF8IC"8HG6JM\V94/4?M/M7;\MN7>\_H2"=R=@Z;BUHVK9'8,_%0]6
MZV7/?-INB9K99ZQ5Y&:FKVKN0%&/_L]DE'`@+<YEO;^K7$:HI45>)%>B?MOV
M30>MK!KECU=^WGL9U"ZF3TE!7ZRH7F$L&^]?J6.K-Y6/WC$'U3;XZDK6&CUI
M%Q+ECE[0TE+*V0<>RV;E!),2YU=:O,J:UT`[&1K+J]`O7NAF,GH[8C*],-_Q
M%ZW/(;RTUKYQNZ;V/8^JFIW4U7S/MF:.=ZP/'T-(UNL"""D6"KMQ#J+(,DD0
MU+',RG?=([);-[?]LM8Z*E-014%L_HSUYUS?);:!KBA*4Q&Y7_N%`I;!HJ%8
MAY=C<96O0KU]Y0$BK$-WCDS4_P"HH)D6(J(32BF^#,)A_MF;*KN\*/8V).O,
MY3]<=F]>[JK.[+>TMTWV@+J6C5:/JL'USC5'-?6K]+K-,8-`19/8V7^BDF*!
M45XILY<.GQQ.I4XY%GV7]LK==GU1I+6J;GK5M="C]&VO4YY';X87><I&H=D(
M1GT+OL9J&FMH*7BK=9YIJJFS<-I0D&^2;1+$6TF@4[MNL"FDV\<S/B=&NU%;
MK[_3=(N6A_[,73>W5CL1=K#8U;^ILF,GM+/^ODCL_7%:A64":N2<%L&6T3]=
M&S[I^V=1H2RS12-6`B3I,-2S>=#,.E/V^B=4]B-E'&FNJ3N%HS+8D;0.Q-89
MV9MV6L,-;;"5W!Q-UA7]12K,(_:UAP=A.2;&???KB[5%P5HS!51%,1*6I<2[
M'Z>=@@MSW6:-PU,'5F0[HL.Z*\\H-L'>2,@TVY']D%=.)5@L*%&5AG.^8TK@
M+*::*Y3KRAF/Z69P4'HAJ6?&E#+$^FE\)]OV4ZC&MM2&\/U[(L2T@G,?M4GZ
MUO*2VFAYI_1A+<I1#TK8_"/_`,<@/').#8(U+57@1_=?M\HRO<.[[Y6TSU2W
M13=OWW4&Q++.[J96=MN#3\]K>M4RD2?]M`BZG:J[=V+V$U]%R<.D_>5]2%GQ
M<+"JZ243(B)U>&F*9UZ5Z@6C>%IZ]]$Z1V"ZZ[7UCJ'07=S4S6]Z6FIC8.PJ
MI1;3I><T!K:Y=AJ\5NQKNK+55S6]O#'A"R3U>S2:;MX@=FDU6;)Q0RR\33K5
M'8#&]1>V.P=E?W2W?8.O<`_:L^C,'%U;5;[8L]'MH[JAV+M&Z;E+NK!;*U7W
MCR1V"QLQDHYH#))&+503156<AYNSR8ZDL%VFOM.^U?NA$7,?:I#K5$2"77#M
MWH*P[SJT7>)[?'8:Q=CX")AH;=6[IRQQ+!RWEXI:+.ZD:^G*S+3ZMXJ=F^00
M30:$$N:[<T2W/=-.X\[5=W4]K8.N5:C.YVH*#K+L<NE/;)L3O44I6J$KI"WV
MS1_U%#@T]F)W+3;=B#-A/?ML(6>;&6,O(-U!2`0I+!XX,PKN3H6<U1TYV!K^
M"V-5Z[OO9O=MQ>>I#I@LX4ER7C<^X$8>%K,7$OCM).<G8[5-QFT9DS0%4V<;
M]8].;Z9NJ<!,76793$W$[.=2)N^:BZ[:RU'&:VL%-Z_7"H/7>B=T25DBM/;@
MH%2UQ9=>P5*ODA5(&TOP0J3V7C[#')N(>7C5Y2$;D<M!`2+(#%2Q;?$A;KUT
M!V5J1A*HS5@TZR&4T7VVUBC`:RKTY5Z179CL5V5LV\JTUJU=7;J%AZ32H*?)
M%"@!S+>;<#)E$IO2$2Y)NO<1DG]OWM=5-2SG7J@7K0/]L]G/NIE[V-:[$&P$
MKK7+SH*D]>Z'LBM4N!CX)S"6&J;2B^O3%9C*OGT>\@UI)T!F+T`0%*2=4:UX
MXDT=ZND^T>R]^3LE69]?=@5J2Z_WG2[2H]E&-KG:SIB[6F35>H;_`-=4^(AK
M!7+E=5HUP2/>-)`L.Y*A'-!:2K<AW:*XB,J+VF)171/?D!0]U];F]GU'.=<^
MU-$91^V;`[E+K!;AU'?I+KM4=%WR8U:R0K$[4]DP4U(T&.GHY*8=5Y:.=N'B
M:OU:!D4T@U+/BC-G.F>_DK:])[KL*O4R4W9U_B=@:W9L6%LVU#:^W5KK;$+4
M27BQ3[I36LQ/::NC>XZSK\G'Q[)O;F16Q7K)1X(KI.D8%8Y8T(&FOMY]KZUK
MG9%0U?L3K_-67LIU@V[I;>]JOK#8$$PI>Q=O[<W[NJ>V!JRM5YI/FM=:1L'8
M^;C6\/+/HE9%I&L')G:QQ<MCR3J5<:X,VA8=-+TSI=PK(VNIBYL/=/J_V89+
M`68%NVJ.BR=62V"N.1%B50UBF/[#R/T1BE^F#ZUM[IR<*^)&.K[F:[7#[>&_
M[M1K5KI_;M/QD1%P'W,ZAK>>9R%T>24W"]['DS9:?*7>&6JS5M6I2@S]C79R
M;=@\E4G;-LFY05*HJ9JD,M2^[[#.^Y&B7-<O;7M3);ETIJQ37:'3PFN)#=5B
M?T_7CS8^F+UV.1G*YL*U@S71K=7V92NPZ\3'2*)';J.E2E<F:N"IE07$)UP[
MS$^KFM9ON-U9^X17MB6RL$BNU_87=+.K;-U`22F:`,`KIW46K8NVZME[(UB%
M]B5ZEVRD.FB$P=!JRL+J)5<HII-7"9"B6],DUP1LU1=0]KK=N'0.VNQKC0,?
M)Z,AMP5IU_9N:V#*-[^CLFL4:,3M(Q5QJ4'^RG1IBK+K*0Y7LPDT06(4L@Y,
M`B`Q;C2BJ=<UQ^TKO>9UD]UD:0ZM[&&=Z\1VGH.Y;?C[U./>N%DCKWM.V3=O
MT352UF1B'4CLAG>H\'LDHY@I2+D8E)<5)1NDW9(C/6JUQS-X;)T@M<]5"UN6
MMM6"+4[\WWM=.G3_`%E)0^L+D-]3=51FJ#$XI7)"/MY0]P0^C!1,P@<0XY&&
MK[CK!A-56CN@ZUAT[:[SZM;AH>ENA^TM;0^Q]$OI_:,"A*1&R.J"NCK=V+CE
MBQ<%3YC8*FDSIO:$QD7KE9JRF5B/R)>P5$9UT^+'%_S-R;/T`V+,=?+?JRK=
M3_MX:SM-\M"TNZDJ3<-QPY*%8X2G-877.]Z5>8/3]?O7]VJ-.O9%5FW:_H:K
M:/%)LC-$%1P<1CJQK5FW5"HVU.P_3K:.G>PD>XA9JT,MTZ-@9R>C7K"W6*DU
MB0G]84'=-RBW*BA8^X;#2@DK@"34"(()R#<$@Y*)A$52E5&M=!^W+M!C<.JU
MJV3LVG63]LTB_ONXK*&8SK0NW]XSLYLW85*N5!.X1+^G0=1VCV`NTB0)$"NB
MI*1X$#R2.!1+DJ.GL,[Z!]%'?41Y'1DOIGJ7$J4/5C74E<WWJ%A:H_=.U(.,
M?PB+:2V-`SE7:Q%)7G8BLL7DVUCIV<;OYQ/WTS-T2)H@$I:N9@^U_MQV&ZT/
M4OU,3HS;EPTYV=[6;I9:ZW(E9D=17NC=FMC;2LZ]8EIF)K]@GZG<ZM%W2+<M
M91&)E&Y'\:LW%NH@Z]](%+[C+=<=/MVZ'MIIC2=/ZLUK7FZM8:SUYV&T?'RF
MPJ=4=;25$D[DD]M_7J?@Z1*+6%&<JFP'K5U$S47"`YD6#9\5ZV%=T@8')/.M
M37C9?1'<<GH"IZ][&[IT9KW3/3#KQ=Z1IG;D#^ZU)6:FXFO5FL:SW'O6!L+"
M"KU'B-?4RG)FFX>*E99"7>/7"Y7K%!%-`PE25:I8ME/I6*VQW.[-[)VF[OO7
MFQ0FK;MT`F%;)H"S6K8^F%E]+/NU-IO>OZKM20@(-.\7PK7;L5)/`09H,H=&
M4;,5E%'"2JIP=(JF/'X$SWSHUV:9VG9.R='[1UC5]C3LGW9DM?S,\:UMRU5Y
MVG5ZWLZW,'<QT#*BA.TB)U%+K^X#=T@21<,#@DX1*NG@A27'+#[#!;C]N6]6
MECU]G'?7OI/8G77S6UZT!`:)O]YVK;]5R&K+0;7D_!7IKLISIYO;8;;<#;:0
MN60!Q7)5">82KE1=XD\,54HG7GB\3='=O7*\S^INKE?TQ$ZAJMFZS;5T[L6%
MH#M6P5+4:\10*G/4>6HU=D*]7K%-56&CX.T+GA3!%NBE%D@@JF0BAU$QBFJN
MO$A"3Z&[7?:0U-J^&V[#T6VZ_P!G]W[T.Q:PE-FE:_\`^:&I]M("C3--*8C!
MP%HH$CV"BWBXJ+-2">,7]A8#"B81.I5KW?`UYKWVT=Y1<+M:5@ZOTWTY:+%J
MGJU5:C2=2)[%_9M@OO6/L.3?![;M>^R=.C;G-&VD9!..6>&CY&4A$@\S*RRG
MDH<2YKM-SN\'7;<O:'4-4H-<IG7I.XJQ3]\ILJYW+945;.M^UUXJ.:U[;W7:
MR4ND$LLM8J0_</U4"J.JFK))IH)+.44%G*.#&+2?88;K3H[L:D[G>[+E;W5)
MJ/<RW=V04`J$JE-OA[/J=;SU9X](6/0C4WT4II>05EBI""7N/D0;>90/XP2Y
M)JG<:G]D>HNW].:!Z^S,)=Z`>V:<Z]]!.HK%VYC+%)0SK:]6[K=2)-G;W#!,
MD>]<:Z5<TU0%TP51DO95`2E*8!$)[B5)-^U_<;/Q7538@[8?]J^R]BTA7'2N
MSG=^VK6Z]/6&2UM5]'4;J7N30\%!$NMSKM.5F'PR>U).P3DA(Q\4R;L5S-2%
M.#4%W`BN&E5,+^W?H*==_;NO\(O:R6*>[(,]O-J?=YF/=1I)#4K2MJ=>NKLJ
M^2]MR_&//UTUS47AU`*<RQEU5B%$5>!$S?C[B.[K]MWL=O[7]&K/8>U=<7\S
MUWT50=6:31@8>^6:C[1MM2VEHW:=AM^\JY-M*V[K=3O1NO4+!KUV(<RQV;.2
MD71)!54&J"0:TGA7%F43/VX;I8]<2->K6O>JW6F3F=6]S:+*U+2+FYS-+D;!
MV+T[0=7TJY3$])4"D2LW+1!J>(2JAXM`Z4<FU0;^\*0F$1JQXO(SCN5HUW7+
MZW[5O]S:5U2IKU#J&EKE_NFPOZAKQ[L33M][$)SE:V':P:+HUNK[,I78)>(C
MY%`CIU'2A2N3-7!4RH+P(NN'><?22(N/830O?.2M-EI+Y/LOV(W<VJ5^UFG,
M3&KY&LOM%ZHTPC,Z[FIQM$/]@5.M3M0?1J<X"+1O/+QBSMNFB@LD0LB6#78C
MEK72/>\CHO?%&OT_J2&O6VOM^ZKZ;1G[.E[E8*E%V;5D9V(KK:ZOI";J=<F!
M@9^+VO%.3MB,SN&:Z+I`#+E(DNL&I5JN=3CU;]O/^UW:>Q[34TUU/V#4[+O*
MU;^C=RVMG:$NRNN+!<XIT_EZS7HXE1DZI80C+T[<'B9U2;BW#*$=BT,R650*
MX6!RJJ8E?OCI_P!G]AW_`+=0U)N.DF6B^Z<'JNDWEQ:/WH39NKJW5Z4C0MCS
M=0BXR#>UB\SETJRRS2.9/GT0WB7**3Q1P[*=1D4%))+.J,,U;]NR8T?L?8,W
M4=`](;^V-:>PVP=6[AV"VN['=(2.[7-VGFNN[]&-J+9H)2$C'NP)"OO+$SE5
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M46L06S;#;KQ!%"I%+%-C`KX+>)!$.6%/XS.S;!@,`8`P!@#`&`,`8`P!@%@1
MM58<6=_24+'!+7**@HJT2=32EF"EECJU./Y>+A;`^@R+C)M(27DX!^W:NE$B
MH+KLER$,8R2@%#MX%_P!@#`&`,`8!\`F0#F4`A`4.4I#*`4`.8A!,)"F/QY"
M4@G,(!\`Y'\\`^\`8`P!@#`&`1W8]MZPJ4U^VK)?JI$60%Z`W4KCJ:8_N!`=
MJW%77NMEW4(FLI*-&-WO#=6*C7*B1&[I\BJD0XF24`HFC+A0[/1;S`IW?7LC
M"3D!87<B`6"#32^GEWL))OH"2%5R1))1TNPE(U=L<Q^1*=(P<\!@AUXF:8`P
M#%D;M4W%VD=<(ST>I>HFK0UVDJP541E6=3L4M/04)/+H>/!8^3F*O(-TC\^J
MC10./3U#M,C4;MUE$%E4$556ISJM55$B'4;**)*(**(',43(G.@J8@B40$2&
M$/@(X!S8`P!@#`,4D+S48JY5G7LC/QS.[7.$M=CJU:65$LI.05&<5AI;I1@C
MXB"K2`<W.*(X-R'@9\E\?+T#M,KP!@#`&`<#ELV>-UFKQN@[:N"&27;.4DUV
MZZ1@X,FLBJ4R:A#!\0$!`<`^TDDD$DD$$DT4$4R)(HI$*FDDDF4")I))D`")
MIID``*4````.`P#DP!@&/OK75XRPP%1DK'!1]KM;2<D*Q67LLP:S]C85@L::
MR/8*'7<$D)9I7RS+07JB":A&H.D?<$ON$Y#M+JU8,6(N!9,VC,7;@[MV+5NB
MW%T[5`H*NG'M$)[SA0"`!CFY,/`<C@%BG+K5*U.4NMST]'Q<]L29DJ[2(MVJ
M)'=FFX>L3ETDXR+(!1!9TRJM:?OE"B(<-VJAOPXP#*,`8`P!@&(P%]IMH@I>
MS5ZQ1LM`0,S<:[,RK-85&D=-Z_GY:KW2,<J"4HD=5NPP3QHY+P/@LW.'KQ@4
M955&V5G8-1K%YITPQLM-N]<AK75I^./[\9/UFR1C:7A)=BH8I?>8RD6\262,
M(!Y)J`/&!D81LC;FI=!P]46OT_'4N-MUPBM?TN,9Q$G(/+!<;`5\^90%?KE8
MC)*5?NU&K!V]<"@V,FU9MG#IP9-!%54HE)LEO!`P!@#`&`,`8!'6R-L:EU'%
M,)C;VR]=:QA)221BHN5V1<JU2XJ1F#`+AO','UGDHUH[DA!$3D13,97@OD`>
MG."4F\C/C%;/FQB'*@\9O$!*8I@3<-G39PGP)3`/FDN@ND?U#U*8H_B`X(.4
MI2D*4A"E(0A0*0A0`I2E*'!2E*'`%*4`X``^&`?6`,`Q:N66E[)JS*QU.>K%
M\I5B;KFCIROR<79ZQ.-$G"S)R+.2CUGL7)-TW3=1(_@<Y04(8H^H"&!D9*DD
MDW2200231013(DBBD0J:22290(FDDF0"D333(4`*4````.`P#&HB[U.>LMNI
MT//1\C:*&>"3N,(V5$[ZNGLT8,S`%DDO$`1&5BP]]'U'R3]<`RG`&`6"M6JL
M7.*"=I]B@K5"&D9J("8KDLPFXL96MS4A6[%&`_C5W+49"!L,2Z8/$?/W&SQL
MJBH!5$SE`,B_X`P!@&*6B\U&EKU-K:[!'03B]6ME1J@D_5%(]@MTC&RTPRK\
M<`%-[LBYC()XN4@\`)&YQY],`RO`&`,`8`P!@#`&`:B][MD['U'U3VI?]13\
M=5]D0X4AG4[!+P;2RQ47(6+8U0K*CF1@7HD0E60,IE4JB/FDH8AA]M1-3Q4*
M,HI.5'D:>7SL%V%U)0.ZL0MMM>[6;KQM#I[1J;?+#2M?Q\H]:;6::(=7]Q+P
MU<KD/6%G,XM?I$J)2M"@S353*CP9,IA$I)M=M3YU!N;LVMLO35[N>\S6ZB;D
M[T=S>K2VFAUOK^#K58U[J"5[7JZSL49:XJ%0OKO8$3_8!DW?N',BK%R#)^H4
M6*;E(KLX-*E.-$7+M[NG==.[`V2BZBN=?UY*3K3[;]087%?7=2MDS#LNP/;C
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MO0W5:FZ'V3I73P^QT+'=I&$4V&M,Q$WV(D'U==,'\?\`2G8II/2/D5132@BB
MRIC1_$P:5[.]JVW575W;)ONFY3LMW`VQ0M9TS3VNM0:FLT5UZK6R-FKD;.Z"
MPDZ\VN&P-Q5#7E:>1"W[GG7L(YLSXRYXTK=NDQ&2:1KIID;74#L3V'UIT:[0
M[PW93KI(W+KXP[!VC6KG;U1K>NKMM?76OJDO>->V+8E3UZX-7:_(N/=4AY)6
M-18).BQ9WR31M[X(E&+2<DEQ,,>E[8P=[ZP:!D.Z5FFY[LE`[,VI=]PQ6J-!
MQKNI1>H*A35GU!T3`*:ZDJTR@KQ:-GL'A'%G1MDHTAH5=)-T99P+I$3X<73(
MTUL';SNY/4W?U@A^P,'4)7J'U+W/L64_1=/424@MZ[@Z^=I^TND4)^RHV%K*
MO:]KG95:T(W6FHF!=1[QN]>F_39!F5`Q5QE2.':R:K5N?N!6MU,>KC+LZ=[(
MV'L!U5CU=R3.IM4I6R&H.]M&=H[ML*C5RNL:VWI)E(NPZ&0<5E\_8/GK$SX$
M9!2411,5<0E&E:<"TS_:7L$O#[$T3'[OWA.=@M&[-['U^/F]#Z*T!:;/M37&
MNX?6\_2-G;@2V>R@]14F"J;W936`FV\.:#=V:4:KFCBM")KI)0*+/@6:%[;]
ML[G6]D]B_P"\[*LU'4SK[=<JVT?`:XHKNJ6YOV4UOUXL^YH>TVR>AY6_%BEC
M[4>FKQXR1CG<6[+[CE9^A[;5.1IC6G'$VPZJ=C=T[9W-6=+6JVLY68Z_T[L1
M%]I9!E6X-@-JV!!;\5U'U]?*H-V"'[4)=J#1Y^VBW8@W262=-?E]G@N")))5
MYY$$7GN?V-H^V*SK9Y;Z\BEH_MQLA7L^]DJS`@XF>HMFV)IRKZ8$!08HI5E>
M%JG;:NRZ\LU(DN\3H<@"IC`JY\A.F-*\UAW_`,(P#^]6SMP3\/+[`<Q+F)M^
MQ/MV[FH":52KD--Q>O-@_=.VQ$:KB'EAC(UI-SD:CIVHUU8B;Q94A7J[EP4`
M4<*F-`I3#O\`N)QK6R=AZ?\`M#W/9>IIN.K>RJ?`;PE:5.R\,UL45%V`-]WM
MNP=R<&\X0E8\BB_]9`3$,=,1`IR&X,$L43N4>19+!N+M54>P#WI@'8Y]-R=Z
MW'U[B8GL'-ZQU6SOVOZ?L72/9W<&Q:U6Z[$5=CK*3DW;OK(+"N.I:&D%8Y&P
MKBZ"1.R0,H"2IJH1Q2+/V&V/WIZ[4NY=E;RN?K_N#NAIZ<>5>KZMAX3=M?H-
M.Z\[2@)B_P`&%(=1[6TR%1VNA69M6("/;HNHE9U%(Q:[E8,@8*+PS2)P[(Q&
MZ''<[?UITYODFD9+7GV[];77A*E4:XA;K%!;<[-2M6C[:6\1,S]'K1LI'.B3
M"42$=+NP=)^Q),Q1_J20J:55<2#='=WNX/8W;M1OU%I^WDM=DW?I;6UIU-$:
MBH#_`$;%ZJN6I-;67:U[MVZ)=\UV@RV13K#L9678)LE$HL(>+;,CQ[I=XJ\+
M!+C%*CS)E[S=D>U<#ORR:8ZSMMMDF=;]7X7>D#':HTQ0=JM=F[2O%XV/6:11
M-M2>P'S;]FZI`FI7#=TI!F8S+E69,L21:!'E3<R1%1I5\S&(WL3VK86F4W)8
M-N.%J/%?<&2ZPDZY)Z\UX$.GK&P0D0S>-9:Y,X,+Z^V;4[?,G4CWS240CE6K
M,C5RS<G64=8)I'+L(=O?;?N%J;K9JCL-(;Z87:3[:=-=W;VB:<;6NNH^OZ!V
M'7]+Q>_J`;6:T=`)SEEHT!`NEZ[*HVIU.N'[P6;TB[83K-E0I%NE,F;:]CNP
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M6$DF%?*P5/&$BB)E*[`319<:5^)KM0]U]\K5K?5=FENY;QK*;2^V]L7O!+&B
M-#:332K>P]:JZV3KE(JA'U5>$'6UD;[**-D2D2OI=TXC2FC'\0DY51([#*D:
MY<:$F*=H>V,S4-X=IFFZ&,32M+;#Z:HP_7*+UY0WM?MU8W3HOJ7L3;-8LUQD
MX9WL,TL_D=YR):FXCI"/48/$DOK`DD#@W3$46"[_`(FNES[-]V=^=>.PUY8R
MF_ZKJO9'7#O1+3LREJ'5%/UYHACK6'MLEI@^GMG&3D;W:I>RP]2<URRK2Y'S
MA=[*GD(L8,[-$H":132PK5$M*=C.[$'?G>J=22^_MQN^ML!U+C/H8O2VEYNL
M[S7VA%U_8>T7&][Z$?4W=#"/UI9DXNO#5T8@63N,._?GE16,U+!%(YOB;9_<
MDW[M'1#J,G-62-<B+!%=-_N`;0A)6;I]?LKF-O6I:5J&7HCY!W*LEY%I$-Y.
M95-(,6ZR*,FEX$<`?VDA))$4GGS1./7*P;HKW8'>.B-L;B>;P9U?4O7W<%>M
M<S1Z11Y>$E-K3>[ZQ;ZDT9T*(A(QY36CW4[9[$`]2<RS0KU9!R^>@1)0HATI
M5'51KW7N\9G:VN8A+M;LY6:E/NR]T*[$7&Q5'4L],Z^@*KUT[-A.FH3(U$:0
M))BSQQTVB82[65AXDJ0':1Y1`Q%!FVJ9?A14R_=3O';VZNLM:3&UK/M#4&I=
MWV(+'J'K_J^Z#O;:-$[7=@^O>KV6X(^SNF$#KS7UAA^O8K3J=7)&/7$E.JG9
MO(U!@FBM`TQS>3_D=G79SL=>NOT?UQW18Q2J^KY9+8</O:C/F<<[=L)Y[H6W
M[-H`$G_85=L'<1?==#72E05*@]<3Z8'`XE2$LF"5:KB=<*W=[NA7-44G7MFO
M%21[,Z[>7&F=B[*[H4`6!8V7:N[.NVF>NMH=U5JBR;1\/#0':-O9A;-E6H2B
MM15164]A5<!@STQKV?Q_(F:\[6[=4S?L=TWB^STA)NY?<O74[??\[J?4KW94
M=K#=NE>X4U:*(\@8>I06JE[3!77K.C)0<K^@I^TTE"HO6SXC<_U4D4C353^,
M#"]<6'>%XF=G==M8;I<:1A:FP^X!OB?M"%*H5RDMB6V;[V=@M=56OSC:[04J
MP9:]KR-3?/9Y*))'2CU:3:D0?L4TC`L#IFU7+[B;:ML_8FO?MN?;9KNKK$PI
M-TWE4NC6B&NQ3P\=9$M?1MYUM6W5EMD+!SZ3N#EIXM>@G;.%)(I.&(2CQJHX
M1<ID.W5$43F^6)!TRKO:W]T.MVJ;IV1NTP[ZR]ZKM1XR[1U"TU%26R:A=OMY
MV;L!&I;!9IZ^7A&]S@XJQR52>+P;:':NH-^F^(U;R8I.D8)P46Z9KXDN=Y+O
MM32/9]QO^H;:O"<+IS[<O</<:.D2QM(7UK;YS6%MT4X9L+2N[J;NX)1<^_FV
MRT@[:23>19H192,5VR3A^FZD1HU3FS`-V;C[E]>[/!:*2[0H['MNX:MU=M$!
MMNQZ@U>B[U?/7+N;HGKKMYC&U.IP=>KTW0+;5=T_5UMO*%=2L8\C%@5DGI#E
M]D$HM5I_%"DC.Q':W4UEE[3=>P<UN.G:N[V6CJ0YH,AJ[5%<=;%US_85[MAC
M;;3.5"IP\FGMZ)LDBV:-7,+^D0*\<Q*FO$*.7"KH`I%\.%3"-B=I^YVG]!ZN
MVJIV$B;[:>UO3+86^X%C(ZIUZWJFAMIUR)T_L"`+06M?BXN9M6H@K^R74&];
M61[+RBZZ#!TG((*.%TS"4HMM4R9)6Q-T=P-;7CLE5&O9A2P):DG^E&A:0^L6
MH=7)-U]A=RK=2Z)/[IOOZ'`PXNF&L37#Z^!@6!X]DJZ0!*25>HJ`4@BD<,.?
MV%7:NV>^.J>^[A0]K;B5W)IS3RC*2L]PL]/U_7+I+1.X^N^Z-D:V@K6[H%7J
MU<1GZKL_K0_BV*\;'QI)!E>&*+M%9PV3<JP**2JEB_X^)(_3;L/V=V)>-,:)
MW1<8A_MS4D)V+D>X#B-J$%"HV&1A9C6[/0S-FP9,2H55K8:SMDLJ46?LF='@
M%0$PIG4*:2)))567`D'O3JVXUV]4/NU4=?4??<9U[U)N&F[6Z^WYM'"]M&GK
MLZIEON5OTG.3:3JNP6Z:PCKDJ:3&423C;/%.5XY9XP4]AR`1>&G*IH\&R-VC
MLOL[M30?:2[L:SN??_VW*9K&,MFO-8SU-H6NNSS'2B9Y6O59U38J8;R-?H%O
M<-F#5=\5(ZJA5WQ7+H#+X)PHDUS)I?;_`-WCV$UM3*!OKL)>M97;>5SZDVO8
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M7?LOV*O/;RI]?]2=AE]`5!QU5V-N"5E(;7>N;Q99"^P&S:)4*><BFPX*P1[>
MH-&]B<FFFQ$`</$P130<,SF,N(Q5--6JXF@6H>SMNO$7:MEJ6S96NMS=JHKH
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MU(_4L5]U;W5WSKJBMI-"?JDA&MZFYK%113L*+1!O*3"X`X3?M'*CE=<*)>]?
M<9'-]HNV&P=9['[/T[>##5\%J_>_3732>C4-;4.?J%C@MM1W4N>VW-SEGLL4
M_O[>XSA^Q#UM7#LY!M'L6+!F95FZ6=*K%"D:T['\3>?NAL^W0DKK35FJ-C[V
MK&V;C&WNX1U3ZZZDT_M"\355IR-?BG]GL;S>Z9=:T^@5:S6Z*3=BX<LGTLY?
M(M&BQ1]T0&,4LW2AUT1O;CN+>M6[&['M=WQM.BM-]:>AF]":CA=84%]5KS;M
MU4%C<=R5VWS\[&S=P:4J:0,9"*3AY-C(13E8ZXO722::`C+2JT[62!/3^\-O
M7OJCO:X;F$]"D?NC;/UA!=>_V32F-?J59TPX[5:9J3^+MK6+3V*]V*_<Z\4F
M)LTA)O(U1.06;MV34K9)40HDFNS^1WFX-8P!@#`&`,`8`P#!=E:UI>WJ7+:^
MV##A/U&<6B%Y2*%[(1P.58&;C;'%&^LBW3)\E]+,1#=;@BA0/[?B;DHF*(E-
MIU1`&UNC'6?==[DMB;%I,Y*ST\M0'UG81FR=FU>GW";U/,(3VKK-<J'5K?#4
MRV6G7LFW(>)D9!BX=M2IID`XD10*F)4FE1$G1?7?4$,2EIQM2!N37NW]B[XJ
M(?K$ZI^D[4VNILQ6^V</=DSB[&=4W!8A^D7]QDW_`%#^BBG[*'MB*L_+EUVT
M_L"Y!L"VU()6V@XTVZ_51F)UH/OZ!O\`8MH:G4^D8R;9C_[JWBUOWH![?#OW
M_:<^\B4B90JU@1QLGI'U[VN-M);H.\EC]AVB=MFR8&K[BV[2*SLQ[:*I1J18
MHO8E:IMW@X.Z5>9JNMX=DO%2#==@9!NJ4$@!T[]\2I-%*XZ)=87.UF>Y%*'+
MEMT7LIAN:&CD-B[*:Z]@MNL8`*H?9L'JIM;DM:1-VE*P'T#Y^A%$6>MS'!43
M&56,H&ITH6JX_;WZGWJNTFI3NO)I&MT73R'7ME#UW9VTZ>ULNC&S9-NVU-L;
M]IW2%6V;16YDO=(QGS2"9%E%CAQ]0Y]T-31*K7K!I%E79JJMJ:*<'8=A:IVI
M+M/U^R'.[OFDF>K&.LYX79Y<SM)2N-=+5HOLIJ%;NACN7":HK.!5$59%KO[?
MW5IX.QVQZ5:$*]M&4>62PT:/VUMN,UW#W:0NL5LAYL?7=`CKNUJ6J=EJ7^%;
M31+!6FD5+(RA5'*2Y%EW!U1.ID_4+3U*U]076M6(6:UUB2&=&<#:=WN&WIJQ
MA93+C.(V.Q[,F[5.S;)^DX.B+9PX.U3;B"*:9$@`@"&VW4UMC_MV=8(BJQ%.
MAXK:\5$U*>86#6CIAV)W^A8--+1L#-55M#Z4L_\`<HUAU+4SUBQ/8U>'@7+&
M+=,%@0604220*D)U,SACTEZPQ=/L5!B]6L8RH6O12?6RP0K&=M*"4GIXLK<I
MU:MN703@R"DE(3>P9EX\F!5&:?.WZJSAVJJ('`1J9#W:GHM3MZW/4-JAX)-F
M\;;^T]?-RS;:]WBGV1W1](ZOWW7==KTJ8K$FVDH"X4^X[60=,W$<O&N#!YJ*
MN#BD0@B8RHO89E)_;PZHRU>JU;<4>U-VU9C]B0[F6B=N[>A+;?(3;\\C:]L0
M6V[G#WEC:]NPNR;0W3D9EM9'DFD\=D`Y@#U`0U2,\BNFW7*$I-HUU%Z\3:4Z
MY):=0L4,2Q6HQ'Z6@X&D5G5!"NE)L[UH6JPFNH=`/943^J!GY./=,HJ8XC4Z
MUXF(=6]$3]"V5VTWW?*;5:-L+M!MZO6!Y`56PJ6HC2AZHUK5=3:]5G9P8:";
M.;)/HUU_..DFZ`I,@F"-15750464$MX)<$9S=.H77384WONQV[6L?+S?9S4\
M-I#=TB:5L#1Q==:5]G:&$1`F^BEFQ()PS:W!Z4'\:#.0-_0$RXF:M11$*35.
MPN(]6-$?40+DE$124J]<T/4H$J$U8448VN]9[P]V/I.,103EBHF2I5QD%79#
M'`QW@&]IT9=$`(`59=%NN6G'&E9/KPM4"GU#,-IIG(U+]9G@!PWL-B>6N73_
M`%@LF$ZG]7/2"R_)')1)Y^!1*0`*`5=:\3'=E=2=";:D[C/W6G/'%FNSC5TA
M)6R$MURJ=LB9O2SFSN]766FV6K3\/-46S5%>YR8(OXA9DY72>JHN#K(G,F(*
M318X3I3UWK374B5<JMB@I#2E\M6RJ99XO9&QVMT?7*_O%9#8\I?KF6UC9]H)
M[*>J^Y8&]C=2;:7,1/ZA,X))`03J9^;MZ3==.PMQ<7_9]3L3ZV2&OD-1SLK6
M=F;-H`VG4I)F9GWVKK<TH=NKC*T4">E9YRI)1;Y-=L_`2%7*<J9`*"DUD7I'
MJ3I!CMP-UP4-;*E<5W=>DIN-I.SMETO75MEZC6D*;5)JZZHJ]MBM:7"8KU4:
M-XYLYD8IPJ#-HU2.)R-&H(B-3I3@56XNJ^F]Y6>NW>ZQUQC+M68.4J;&Y:UV
MALS4%K>TJ<>LI*9HL_8-66VH2MDI<C(QR+@T:^5<-DW!!52*FH<YC`FUW%V-
MULTP=%9N:G@*+C>;3LDJ3]:GP\]S,7S.1:W#D)0#`*;R/2/]$'$>/AP*`@(@
M(59$E:^WUU+JW[N;L=8N9&#M]`O^J35"SWO8EMH]/UEM5TD^V30=74NS6N5K
M.IZI=7J"1WS.MMHQ(Y4$$R`1%!!-,3J9$>R.A>IZ3KJ\*ZAT9,[IV'>9G3[V
MSO\`8G:[=57VB^/I62GW^L+;5]^V"1V#=ZS>=5*6)P$*HV<1PF:J':G=$1'Q
M,"DZXY%ZZ1]*8O0\0:^WZKP\5N*4V1V#V'&QT)L"[[%::ZB.PTQKUW9Z@[OM
MO493&T;)*,M2P#N;GY-H"[J;*[4;>""O*@2E7#@;.N.M>EG?7Y7JVXIB:NC5
MJ*;6XTLTS/@*=1%M]*FQ;V$LH6SM7C0O!T'J;PKU!8A54U2J%*8!%76O$C!;
MHAUL>7.!OTK6;E.6&'<ZWEI,L[MS;$M`;!MFGVL<SUA?]N5)[=%:IMS8U*2B
M&AF4_8V4E*@JR:J'7.=HU,B)U,DS>'6S4O89*HJ;'B;`2>U]*R$S0;Q1+W>-
M6[&I3Z9C3PT\%8V%K:PU6XQ#&Q1!_II%HF]!H_2*0%TE!22$@A-K(P&)Z.];
M839D=MAC39\;+%V5&^LXM[LK9<I02[/1JA:/_=Y;6<E;G=`=[=7JQ?IEK,M&
MGF5U#'<J.#.SG<&#4Z4,HA^IF@H"$JU=B:(5K#TO0,_U?K;0)^S*_IVC[1^V
M!G*6"RTRHNY*]&FQW_7+&4D2?3_(N7S4\@J_M-6]7?;EU9!;KW1L>[5IPX@7
MVV]&6K3M9A]H;,2J*]4T#U_T9K[6`[0URWGX^D72PZWOFN7SZ$6F&DLNV,#9
MU[WO%(5$9.6"1L'$=*.O$)+;(?1]9M1(+;$=LF-NVM%MI[2<Z9>$W&JJXVH\
MB]-+W%365<E+ZZ<KK2#J/BVRYUW3A4AB*.7!U1CJ99XKHAUZA)FBV.*;;8C[
M%1*[4J@G/LNP.]64S>*I09Y_9:+7-OR+38:#K<D33Y63<?IR=G-*_3M5E&@#
M](HH@83J9*^X.N>G=]`4NUJB%H`FO=I:L*`S,]$\47=$=!1.R8/_`-BR<=R%
MBCZTR3%?_P".6WL\MU$C&.)A";61G$=KJG1.P+)M%A$`A>;=4J;1;!-_6/U!
M?U:@2=RF*G&?0JNCQS<(J1O\LI[J2)%EOJN%3G*FD!!%<*<"):_U+T95]G/]
MN0M:FFUO?;-E]RII*WJ\O*I$[/L=#LFM;5<J]1WEB7I]>E;;4;8^1E?HF2*4
M@X4*Z6(=TF18HG4Z4,1L'1/K9/C`+I5BXU&5KCW:+AC9-:[=VWK"V.8[=6PI
M#:NT:M,VK7]VKE@GJ7;M@2B\FI$/'"\>V<G\FJ2'`8)U,F3<^B]5=A-<O=2[
MAJ3:YZ_D92I3+NONWTJP(K)4>SPUQK+D'\0^82B8L)^`:JF*1<I7"9#(K`HB
MHHF<0FTZHPJP=1.N5KGM_P!FLNKH:<F.T=4IE)WHYDGDTX)>:WKZ+DH:G,SM
MC28-H!S!L953VG<65D\]Y-!8516;-U$PJ\.PM5#Z:=?]>.8N5B*Q8IJT1FS(
MW<`WJ^;'V-L;8,M?X2@6#5D!+V*]7JTV"TV)G7=?6A]%Q\>\=+1S)!<QD4"*
MB*@@Y-EHO/17K-L-!@A8*5/-19/MO.'#JJ;*V;1I"=B=^W)?8&Y*7:I.FV^"
MD+5KO85P7^N?U^04<1`JD)[;=,I0`!*DT2+.]:-*V31==ZW2M-*;4%/@*%7*
M?76,W8HB2J+/5IH577#^K6Z)EF5PKUCI#NN,'$9*M'Z,BT<M4UB+`H'E@BKK
M7B6*@]1M"ZU-2G-9J4FI,T39%OW#%6JR76[W"XRVTK[1YC6UMO=SMMJL4Q8;
MU89>C3B\9[LNX>%;LRH)(%2(V;%2#4V9+LSKIJ7;UPIUZOE??2EAI-?O-.8G
M:6:S0T3/439;6*:WS7]]KD/+L:]L2AV<8%@LYB)QJ_8"Y9(JE3*<GD()M9$4
M4OH3U@HC1RTB:79)8RTEIQZUD;MM/:NPIR$C>OMX9[(TO3ZY/WFYV":K^O\`
M7MU8IOV4"T71BCK>7OH+`8P")U,DQ3K)I)5\O(J4PIGCC?#?LPLJ,W8>%-U-
M:TUJ"%Q,G^J^U\M>9IMQ8\?IQ@+Y"@)Q$PB*O["'H+[=O4FO1UHAF6N9EU!V
M:DR.LT(&;V9M&PP5&UG+V*+MDKKK4T/.7*0C]1T>2L<(R<K1E;3C&I_H6J0D
M]AJV22$ZI$Q6SK'HR]I;L;W"@L;`V[$1]5C=O-W\C-^W:6]'BRQ%160]B314
MKDE7&R9%&;R+,R>-W:2;E-4KA--4HBKP["-C=#>K[S6-UU+8Z%+7FL;*O-,V
M3L23V'L+8U\OEYNFO)*K2=(F;1LNU6N5O\J6LC2XULT:GD?HTF#<6@)?3JK)
MJ"=3K4S"9ZCZ`G;GM;8;VCK(W7=TII"8V?8HJUW&$D;.^ZZ3+2>U&912'GV)
M8YM79!BD#A!F#="60("#\CI'^G@C4\N1S;YZJZ=[*%CD-M,[W)QC.(F:W)0%
M8V[M?7E8N-4L*C)6=J6PJSK^YUF!V!6)88],JS*8;O$3(BHEP"2ZY%`3:R+=
M)=.^OLGL-SLU6FOV=@>KZ@?/8N'N-SA*.[F-"3\18M06%?7<1/LJ,:Q49U`M
M&[1\$>#@T<B5DJ91H'LX&ITH61ET:ZTQ^UV>YVM+GB7.)V;.;GKS0VR]FJ42
MJ[8MD;-Q%TV#5-7J6\VN*Y:;PPL;XLRZ:1:1Y%1VNJMY*KK'4$ZG2ABJ/VZ^
MKC&#J,#"0>SJLA04K=$TN4IV_P#>]0M%9HUY=Q;ZQZGB;?6]BQEH;Z<7<PC0
M[6J_5C!QQT"'9MD#AY8&IFM6T>E-NV9VHJ]HB=(U/75$KW8S4'8:R;<0[*[+
ML$9=I+3:5?=Q,RTZM)P,3KR*WA:`K+"N2%C=JN54:ZDLL#QRZ.F@02I>&E<:
M?QB;;J=$>M*;O64E!U.UTJ8U)!C4ZE.Z[VQMC7DZYI!K2M=CT&Y3%,NL)(;!
MHHVIPJ]+$SJD@R2676]M,A5UP4$:F1WO?I/#=B.UU1VIL,DM_;2N]9=B:B,K
M2MI[)U=>C3]YV10YZ4ASR.M9RJR;^C62I5QRUE&R[\R"Y@2`4!,4BJ8*5(T6
M=23[1T<ZTVANV2_8LE4G<9*4&8K<WK2]W[5UCI;[6>OY#5-.-1;#K^S5R8I;
M6/UI+NX)5O&K-F[R,<J(N"*E-@:I%SH/3'K;J^%=UVB:X2@89[KFZ:F<L4[)
M;GP*T'8=ZM.RKA"&<2D\]=F4FKM=)-\H[%07I5'1BE6*0"E*(<F\R\1O5#0L
M16+%3H^C%;UVUVC3ERGH_P#7[*I]=8]`Q6KH34\@+E68.[0_:T9IBMI`FF<B
M3O\`3O)R58RRXJ@Y-G'!=2]`UIS8'<+1"LW%IHNPM;3JG[@LZ_UM,VIL2U;6
MO</XN)E4J`3=\NLF^]Y,".&_U/M(G31(FF4*LZ^=[]`Y'8^V:W5*'H2KT?5S
M"Y]6K!+;F3[/[3!C)5OK1-Z\GH):=ZOLX9&F6_<\3#T$E4@Y^6>/SM8DR#Q5
MX*C-NQ(,E+#%XX_Q4[$MU]7M-]@92ISFR(6QJ3U,8V6$AIZF["V!K2<5JEU"
M("Z4::F-=6>K2-AHEO&`8FDH=\JO'NE&:)S)>:9#`,4VLC'8GI=UK@M>6S54
M3K=%C0;MKW66J['7D;#:O8>4'3E?3JVMZ\BY-.&?1[>LP")&R:C=5)=8A0%8
MZA@YP3J=:\2TCT6ZRFVTRW4:C3(W2)V>[W9!-/[C[+"AUS<,M&2,-8]G5S5P
M6X-;P=VML7+.49=^VBDUI+ZE8ZXG4<+G5#4Z4X&W6#$8`P!@#`&`,`8!PN'"
M#1!=TZ71;-6R*CARY<*$10;H(D,HLNNLH8J:2*291,8QA`I2@(B/&`0Z'9'K
MN:GM]AEWWI<U`=V$U1:7D-I4<:>YMA`Y-6&]F"=_15K"4`Y%D5<7(?\`@P31
MY4Q,PFMG:VK<FA"V+85'@9ETU4?-8F:MD#%R;EDC'2,NJ\08/GZ#I9JE$Q#M
MT90I!(5NU64$?!,YBB*,I(?;NI[#`VFTP&S]>3E8HSR5C[M8X>ZUN3@:>_@D
M?J)QC:9=E)KQ]?>0R`^;M)VHB=N3U4`H>N":,I";LTRI3XO89-N:Q/0)LCM2
M%O)+[534^73C_?\`KU(NS!+#"OR,OI5?>%)<X)^V;RX\1X"CRXEIF^Q&B*^V
MV4O)[BUFFIIR%=V':<>A>:RZE]?Q#),ZBSNW1+>44D*^4PI^"8.TTA44$"%Y
M,(!@49:Z9V?Z^7N@:IV;`[AUT%/W<E%!JZ0E+C7HA2XRDPV0<H5F%:R$D@N^
MMS8S@$7,4D!WS9R4R*B15"F*`49,LE-0\-]!^L2T9%?JLFUA8O\`4G[5C^I3
M#[S^AB6'U2J7UDF\]HWM()^2JGB/B4>!P01Y*;/;L=DP='9MZY(0ZE?ODK=K
M,:_U5B_H4G4&]"DHV%D*4Z=!8Y(L["7;ZU9VB0J$4W10,ZX*_:B833"I9(C>
M=9NEEUHVU;)T3:-`OK?88O=D4[:E&E8V#D**G"@G&Q<.PD7LA=E9!Y)K(.SQ
MICEAS-P%WX^\G@4YYF3P&YM/VR'FK%5MKZULM?K<R2N6*=@+U5YF'@+"JZ;L
MDX&:DXZ4<LHJ94>.TD2M5SIKBJJ0H%\C``A1E^I5]HVR8%"U:ZNE3OU7<N';
M1O9*58X>U0+AW'KG:OVJ$Q!/'\>JX9.4S)K$*H)DU"B4P`(<8(::S(%T[VEI
MFR]A;<U;-RU*J-^H&Y[KK*J4IQ=HE6Y7Z`I=5IED?72+JSOZ":.T2/:54ERM
MD72+<&OD9;YA`HR<6E7L)9:[KTT^EK9`LMMZR>3M"69-KS"M;Y57$M3'$B^3
MC(]O;(Y&5.\KJS^26(W1(\(B95<P)E`3B`8(HR\6K9.NJ(PGI6[WZE4V+JK"
M*E;1)6JTP=>85N+G7CN.A)*>>2[YFWAV$Q(,%T&JS@R:;A9%0B8F,0P`(HV5
MTM9V3:F25SAUF4['-ZP\L\6X8O4EXZ99)12DJQ69R+7ZE!9E(H%*9-=/W"&3
M.!B^0<<AQH0YUL[(4/L7J:C7V&LM'"TR^L-:WW8E#KUUAK-)ZNDM@TN-MQ:[
M:2-%4I&*49E>*IIG?-F:BY$#']LOJ`"6J.AGS#=6FY2AR.U(S;6LY'6$09X2
M6V.POE6=T.+/'N2LY`DC;V\JI7F1F+PY4E@5<%%)00*;@P\8%'6G$X4]Y:45
M7H+9+<&K5'.U4"N=7MT]@5,Z^R&QO#Q<4%(LN*EP0-[A>#QP."CY!Z^H8%&?
MDKO/2<#+RE?G-PZLAIZ#AYJPS<)*[!J4=+P\!6E"I6.<E(UY+HO8^'@%3@5Z
MY6(1%J80!4Q1'`HRLE=Q:B@JU5[G.;3UQ#4^[NHEE2[7*WBLQU:M[V>2%:":
M5>==RB,7/NII$/-HFT55.Y+ZI@8,"C)%.<B1#J*'*FFF4QU%#F`A"$(`F,<Y
MC"!2E*4.1$?0`P01%$=A-!V"-1F8'>&H)N'<3IZLWEHC9=,DHU>S)/X6*4KJ
M+YE-+-59U.4LD<V,S*<7`+OVR8D\UT@,)HR#HKNQKA5_`ZULCNDUGLM9].7G
M<D'H8^VJ'++/XJF2!XU.+2V(Q>_M$74VH)%DE/(2IM$W;@Q118N3D$Z7FOEJ
M3JPW306J.KHR^7"@:^V%M:#B)"LZYF-BU!Q/3,J_CFKM_"4\R4DB%]&+<N!1
M!U%)KHN`*"B?R&+@BG+(B[<?;#7E&TMN7:FL[-K_`'%*:839H6>KU6_0<D>)
MF7<RSBOT6RNH!2=<5N1*#A0X).$`5$43!X^@B`E1;:3PJ;.RLK%P49(S<W),
M(:&B&3J3EI>5>-X^,C(UB@=R]D)%^[41:LF3-LD91550Y4TR%$QA``$<&)KT
M^['UMYLWKE4*$YK&PJ7V"B]MRL;L6K6MA-0;=OK&%AY,BL*ZABR4586\JZDE
M&YU$W1"H&1'^<>2@)I@Z\"1X[=>FIB"F+1$;;UE*5JO3CFL3]BCK[57T%!V5
MF!1>5Z8EVTJK'QDXU`P>XT64(X)R'D0,"C/VM;JTW=)2#@Z=MK6=LFK/63W2
MM0]:OE6G92PTY-V=@I;(./BY5T[EJR1\F9$7[<BC4%2B3S\@$,"C*EAMW5$J
M:WDB]GZ\DC:^F6U=OI6%UK;PU(L#UR5FS@K>#>24&M3+MX8$DFKWV5U%!`I2
MB;TP*,B>]]R^K>N:?4-@V7>VL"T>];*AM25FV1=VK<S77][F95.(_2!F8V3<
M1J!89PH)Y14ZH)QB!#JN13(41P-,FZ4Q)EBME:YG;?,Z^A+_`$F9OM<C64S8
M:1%6J"D+?`Q$D5`\=*S-::/UIF+C9`CI(4%UT4TE04*)3#Y!R(H\^!8I#99(
M384[5[&S@*]386B5&U?W`E[Y5F0+3=IMMBJI:PZJ+ETC/Q3=$\2T.VE5P*QD
M7+_Z1N)EVZI<$T]YE%+O='V1`-[7KNY52^U=VN[;-;)2[%$6F`<N6#@[1\W;
MS$&\?1RR[)TD9)4A5!,FH42F`!`0P12F9:'VW-4Q;FQLI/9VO8YY3X=_8;:T
M?72MM'-6@(IT#&4G+&@XDDU82'C7I@1<.7()(HJCX',!O3`HRB>[MTQ&0%.M
M<EMW6$?5]B/6,;K^R/;]5&D!>I&4_P#T8PITPO+)QUG>R/\`\029*+J+?[@#
M@FC+BSVOJV1N0ZZC]DT%]L$&<E(#1&=QKKFY`PAI!>)F'PUA"1/-_1Q4JV4;
M.5?8\$'"9DSB4Y1``H\^!PQVWM3S$C=XB(VAKN4EM9^X.QXN.NM:?2.OP1*N
M=;][LFTFJYJGM$:JB;Z\K?Q!,PC_`"CP%&4['=6G).`M]KC=LZSD*MKYZ]CK
M[96-\JSN`I$A&D(I(L+?,-Y52.K3U@FH4RZ3U1$Z0&`3``"&!1GTKN?3R#*A
M22VV-:HQVU7+=EJ]^K>JNFRV0\=D24:M*$Z/*@A<'+E-<ADTXXS@QRG*(`("
M&!1ELWEO;576[6TUMK<UOBZ11(!:.:OIF5<)(E.]EWZ$;',&:1SD4>OG;IP`
M$13`QQ(4QN/$AA`$FW1%S)N;3ZDS2ZXGM?6I[#LB()/Z[@27JKFF;[`J(G<)
MS=+BPE!?6F(4;IF4*Y8D71$A1,!N`$<"C,YDIB(AB-%9B4CHI-_(L(=BI)/F
MS$CV7E'!&D9%M#NE4BN9&1=*%200)Y*K*&`I"B(\8(,/LVV]54IC)R=RV;KZ
MI1L(Z>,9F0LUSKD"QB'L<R824@TDW<K)-6[!TPCI5JX635,0Z2#E(Y@`JA!$
M*-Y'#9]Q:CI,!7;7<]IZXJ-6MZ\:VJ=EL]WK,!`6=S,-RNXAO79F5DVD=-+R
MK4P*MB-E%3+IB!B`8/7!-&5G]TM9?N2STW^XM$_=])@R6>YU3]W5_P#<E1K2
MJ)'"5AL\%^H?JD!!J-U"J%=NTDFXD,!@/P(#@4>?`BQ'MUUI=[AK&AF&Z];R
M>T;A7[;8X&M1=QKTBL\;TF<@*[/Q?NM))5).R)2=A3!&-$?K5TVKQ1-,Q&;@
M4PTNE>!<YOL%27U'LMMTY8=<[L>52V52HSD36-N4!@QB9.P6Z"KLDTF[0YE'
M4)!S,+'2ZKTD>Z,F[?J-RM$"BNND`A3&CP,R'<NH"V20IIMK:V+;XF(FK!*U
M4;S6`LD9`UMVYC[%-R$&,I^ILXB!?LUD'KE1(J+59(Y%3%,4P`%&8;I#M!H+
ML;3$K[IS:=,NE>.TDW[A2,L$4H_BV$3)O(IX^FHLKPS^&9@Y9',51RFD4R0E
M.`^)@$0::S)3F+`["F25IH\8WO[T:XYG:G$1<[%L&ER7-'&?PC&/LCM0\,T;
M3QA3(D]4.+8A504$1)ZX(-,NOW=.P;41V[8=N:1)UIUII:T7*@7+9>P]U:LD
MZXSOU%G8J#G81<\3))ECHH#R?N(R;E1)NI[8$X`YR`(R<:98LVMLFY-04ZNU
MRWV_:NMZK4[BM&MZC:+)>:Q!UVTN)EN5W$(5R:DY1K&SBTJU,"C8K554RZ8@
M8@&#UP11Y$3Z"[14?<Y++#/IRCUG8]=V'OFKJ:T3O$-(W$U1TSNN\:B;WQS7
ME3LIYI#SY:@1X=0S7Z9NHY]H%E`*50X-4[B8:MM?5MY?S\72ME4"X2=50CG5
MHCJM<:[8'];:S#0S^(<S[.)D7;B'0E&)16;'<%3*ND`G()B^N!1D/WOM%0HV
MBU&^ZKL-%W'!V/?>F-'/9*EWB&G8:)?;2VE4==2CE27KBDXS-+59O:0>&8G%
M,ZAB%3.9(#^8`HNM'R)HB]F:WG+G/:YA=@TB7V%5FB#^ST.+M<#(7.N,'7L?
M3/9ZKM'ZLW$-''U27@HX03(?W"\"/D'(BC++";PTK97;IA7-OZNGWS&=/5WK
M*$O]3E7;.S)2<="J5UTW8RRZS>=3F9AHT,T.`.`=.D4A)YJ$*831D@LY:*D'
M4HQ82<>^>P;Q&/FV;-ZV<NH=^X8,Y5!C*-T5#JQ[Q>+D6[DB2P$.9NNFH`"0
MY1$084PW!J65FKE6HO:.NI*QZZ:*O]@P#"[5IY-45B@50ZSVY13>34?5AHB1
M(PF4>IH$*!1$1]!P31GU"[=U/98ZWR]<V?KR?B=?.'K2^RD+=:W*QU(=1C4S
MZ2;6]ZQDEVU:<1[$AEER/3(F22`3F`"AS@49%>B^R->WS?=\UVFKUB>INI+#
MKR'K6P*C:V-L@[ZRO&L*UL!:49O(HBD6DE&/)U1B'L.715/8\Q,41$A0:H4W
M8OM%1](ZTWS886<I%VVEH_4%FV[(:;3NT0SN*T/!Q(R+)>8AFAI.Q04+*+'1
M2*^.Q.ERL3Q\A,4!!)NG*IF$IO2K/Z\TL.J):A;>;);4IVL;0I7-J49I'5-S
M.VJ&K]G6D)A:1<QZUBIS"5%X,`4Q9614(1J@3WUDP$*<S4+3/W)=-WNTS[>]
M;2Z_5.N6SLIL?KCU^8P.UXRQVVTR6I#WUI8K)L`QQ80-88W-2@J/*\#=5PBN
MUD8]$RZCM\W2.,G!K*M:&UT)V'HK*F1MGW%9M:Z4D9&=LL.G"6;;^OI!J)(B
M^SM(@W+:RMI5K#O7-D&)15^E3,*[)VX,P6#ZI!4H#&CX8F?V?;.JZ3.1-8N>
MR]?U&RS[!_*P5>L]RKD!.347%$%24DHF)E9)H_D6$:0HF<+(IG31`.3B&!1O
M(D#!`P!@#`&`,`8`P#2K[A],MM_Z@;5K-/I\WL9=5YK28MFMJT45K#LO557V
MS1;1N?6\(Q!PU&9D[]J2&FHE*.\P_5#//H^!]_C!E&FK$T/M-ZZJ.]\ZEWT[
MTQ-6'J`VT-OK4<4Q;]/=K.H>H=@)NR:9D)=A+Z:<:A3M#&<V/JV%&$82YH3Z
M5?\`2G<-]459?Z5494=*<:\S5-MUXFZ=TT[B3V[=.2"5_JWV9]*Z\C).TUP%
MK;`QJ$1W4?2VH(FVOB*^S:*S39>`B9MNT>"HFN1L"YQ+[)A$UQ5/[C.]FU>E
M;(O-CVQH70EYCNI=$BN@$-V,UXTZ^7FD_OU'3_8JXW6TP!-02=*B9W9[K0=%
MDH]Y8D&,;)`XCA+')"[4;F:$@)M*C>.)GE$U/6-N]IZ#L*N:/?K]6K7]P*S[
M/U]$VC3DS6:B+FN?;>M=&MFY"4.TUF)-5J]:=TLDF\?(/V+0LK/,QD$/<4=(
M.5I#=(T_%3XD-T]ALO>>^J+-3NKG\+<Y+6W?BI;ATO6.H$CJW7^FY^Y5P7-;
MH5PW1.0A4=T638MDAVTH1X5^ZB)]X@,LBDV*=F"D"M%V8<2+I76<5?:3I-E;
M'DWJ/3.Q/MF:FZR0=@D>B&S-WRU.W97)R\1G8:G0<#&M8.S:1W$XGG]=DF4B
MO$&"PO8)-=NX4/$%`PFM.^O,[Z.XVL;+;^J-F8U?ZVT;1U*VHFZ=;NS,/JIV
M=VCU]LE?VG6$FK5`BB@2MREJ;^G*$2`1.2143]2G$!DUQ=)=AU4NM*-]I05.
MV+N^H;DU]3NVG7#[GVV=Z2L10K7*[*U=6^PUNZF(ZIJTQ7HNIV27:["J^B:E
M"Q8P2\8[7<G@':!V:R2+A(!G6F7!HP:RQ78KL!KB&C*?KQ=[.U[2OW/M.Z?V
MSKS2-JZ[0NYFU@T;I5GKO9:=!L3=BMJ.Q[`M+B2K[<ZBZ#&0DX161C1(P5;D
M2@G!/'FBX;9UYK7L"\L[WK=URM\#U^3TATRT]MNF/M!W75<38K;"=ZM'6FMZ
MZ?T.PU.M.K5*:+U7%V?]?70:.F<-'S)$%7/B90B<D)M9O''[CM>ZM456A=B.
M_3&+IIZ719K<VG;#4&K&NFKM4EUG'5_3T59YJM)(,V<3(&5FH<S=\NU`_+ML
M8BH^Z0P`,&ZI&C$YHEPA8MF;$8:>>%V'(_>@T/=4+LA0G2EO7UTQ4T+4Y:U,
M;`$6:7)1&M.&58.7B*H1I&)WI%#`4[CR&5>'^DU@JFN+GVZVU7ZW<*8_U[9=
ME=?^].L]Q4:K]0YK3.O>M-[V$-+DJQ6)_<LE!)+;=N:]QAR6!M)IOW4=+/XL
MTRV3;>^S*H)K1<\45-A@]Z;3KFENZ^U:18-4HW'M*1YN2,O?7&T;U>ZRK&GN
ML%KZ^:ULUPT,Q7BK)(4AIO\`4M\W&R"::R<2%R93'M@@072,9C#Y5R.X3JKK
M>*UCT:KE$IUJFKU!MJ1LZ2JDY(ZPGM1NU8BX6.ZVR"A(?4\ZE^OTFMUIG/)1
M<)%JI^ZA$LVI"EX\<DPEC(Z+CZKEMH=5=/Z]ZI=?=E:PV3J/[7EYU7V=K;O0
M=LUW/R<Q8C]9'O\`8Z4//Q%-:[>V!;PIEQD&3-G).OJ2+.#&=MAF2'<#96DJ
MM\>9.L1KJBQK^H=BUU;!V'ZZH=M-=7/L?KVG='ME:3J5#4IG6+9NL=?['1Z\
MS41+6/8Z5%NECJ;FQN(UD^/#J1#-T9N"T,H*$$8Y<:<SFW\PUI9V_>EE$:*N
M]NM/;'2^G(S[>4O"=>=AI)A^D:_?053@*E++T=@EHF2U)V/,_NDB$N>O&CFL
MJC-@)T^54Y"X=F9)H=7(*;V%'V6T:#93L_+?>8FM@V>RRFLS.74O4XWKQ982
M.NSY\ZB5%5*&$JP:)-W"AQB_J03`!%4WK!%73_RFL^Q-)3<-,5=KL=FMJOKH
M\A/N:Z5@G$WTXNO9FK4N5V/WCO<XRA8G750,S?ZZ_N;IM1B:LS"3)5A(,(P[
M)N<GO-TG4F5>6>''L.W3M)J/84A]M>VZ:UTK<ML6^,T+1:LX;.2+U_86Y*S5
M&M4)L2N+M':[-Q'W3;5"B)2.,U552-]=)^R<Y.1,`UIK54@JN177;??:CI)=
M]+:0%OJO5E4[9_6)376ZWZCA]=[/+"=8V]5,[KEYU_3B0UL80:*S)BY*W$R)
MF:[=!7W&JI$H,L5%IO'`TUHFN']1KFDRV_4EI96FZ_;/[QZDJ+M?5%DD)8-K
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MD7%P4:>0?UQ!05IE@S6:IIKG5*@H-</F.LYUHFXS=`F777"T6?9\_N2O_<KL
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M&*;S,1[X:@EMG;FW#%O-:S=XIEMU#]MBM2C<E5DYR`L+*`^Y%+V2\03D[=DN
MTD$(2GN!?RK<3&!K&*"NN4J!A,(1=%VX_<;B]7J)^P=]=[V433C4NDS>[=56
M*J-&%?-7JK+*N>K^E8NR3=;00:-(A[[\Y$*(/EVH&`SUN<JH^Z4^"'DCK"WA
MU]M"5"['["KVN%H)TY^Z_7-I[CLIM%2>V)VV:"I\30DHZSO=:1XQ5GW-KJBW
M%M%3JD8P6<)`C#N7:"#A9!1)49IXI/\`M,*F:76=%5+4F^=,7.>[`;L5NO8R
MP:ETS.]&=L0&H-SP.[MM4*P;&U51JJK67ZG7"Q?W#J2<I`6Y>20:%*[=OGC9
M_#&.HW@5;P>"[R[TF)I%VO<CKG3NK++#]I8C[O/8#;<MM%+4]G:QD90J_MG9
M:-[V4^W*%>_:3FH/]<K'I2C#]6,Y=2;D(_Z01\C`&2J_EH0_,:Z2MG5_7FM=
M/]?MDU7=6BOMK]V=7]PB*:8N]3EI"ZW#K9^TW.N)>V.JRP9;KN>WNQC8EGB3
M1+R;/*$CUY4J@%=)'<":XU;P;5#;S?W7755?L^S(E_%3/7?5#+K)]OZ>@KMK
M?04OL6HQNY=*[_WO8J*WMVL:O3YV,V'#5\S>+;SL>];A[,0Y0]UTQY:NDI(3
M?>ZLU-V'5M@[\?LK%V3A_P#RVUKL)TTJ6F:!)U_HGLO=+"'L%>W;OEO8'>J(
M!NZ"Z=6;Y?H25H]\A8V99*R8"+0BKA1U7E`)!.66./,[GON,TUY9^C&ZX0M:
M?;&DXFKUR<&+9592VS<D%4M%=F9J4C*RP8R;^2E4(>/=N"H,T%G)^#$1(<X@
M49-</F.L3=D-4[63N#3Z[IRY6'?W9?:/6/8/1:_Q.CKR1H36\+KK0#+5LU6]
MAC3THK3D-UTO]6L\U-QTH[@UX=(Z[DR`FDTP<#-<.2S.T#[@K1\EJ;5ES2@Y
MZ=@]3]KNK>V+P2L5R:M\W#T"C[EJ\E;[0VK-:CY:Q3#:K0XJ/W:;%JX<ILFZ
MJI4S`F(8,(Y^PZ[M9TIIOKMA0-DR^DKG*:M?_</[2;)@'NTM0V.$CG$`?H)K
M"E4[9JL)<X%JO'5^QST>X2A'S]N@+A8">V4JY2E*,G@J<:+[S&-`UNGZ%O&G
M[=VCT=;7.ET]+[NTYI1XZT5>-J5[3MZ:=U=WS4U45:-6*;;9772>UM2R5-+7
MWQHUO'OXNM?1I."E*W16$O'Y<_Z$/0.A[*[2WG`[`L5A;=CM;I?<ZMJNMH+I
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M4LMBF#Q8R)Z#9ZR\BF8.5U/TQVT6:D`QBG2YDQK[M/\`(U"?5&7I_6/KJRU=
M0I>H;,V#9>P7VKMVQ0Z^F:%-5-[VJV$D^A[W(IRL)!DFXG61J@B\:RK$7;,6
MLN<Z"YR"?@99MURS]QZ.M3V2HS5<?P-(K]AK%?UA8YC4;:*GZC.4]%(VNCHU
M[SK#:<9,335.%%N0L;)M`58/FY0.@H<GK@U,Z,MN:YV>SJBUJ>PTY7==4S[N
MG83:6QGDUH"Q;XCF%$F*)L6OZWVK(:78.H>8O]%@=DSL0[*_9BY3B5?9F2D.
M2.,HF,U3VZ2OTW1]/]<]BZ:NVYZ]:MW=<++H/9=?T3LY3J5L<M2UCLN_]IME
M[4V%0&>@XZGW*U:5AKM5;?7V%5<.V"39]"5,K0CDI0;)+B6VTTL'7F2?0-!I
MUTN@KO%Z;<0U]D?NG=Z;?=;4C0W+2VK4>ZQW>V(83MEF!C"RY:7:(E:NMVZK
ME0(YTD:-*GY`+;!%:X/*B^!J]-]6+=`]3>L5.TUH6;KUGEOL_P"WZ9LFO4VC
M.*O9;5-*6+I-:K)JFSODF$>['8=ZA6EP:QS"27(]7D'C[PX,=R;!.KQ.KPU?
MS)Q<Q58VAO&Q;0ZPZCME8T.M;_M=526%GHZYZ@B[+LW6/<&7M%HF6-(L-/J,
MLN34>HI:/93DR:/(U:-S(L3KF_3%4VL$8I4;QQ^XA6!UI;YR@:/T7JS5MTJ7
M?O5>Q>ZMCWEM1[JNU54C0NP=3=IX!Q=)G>TC`QM7N4)OO9EZIDE`E93$B=R`
M-70II##*_2":JK;^7#X&/L]?ZCW-8JE1.OFF;%J3:FM?M46@$U)[3]BU(^A-
M]=>]Y=4]D:PH,B>TP%=4L]EUKM.H`,B[:?7-FX2(&*[4^I`1#%8OB_YG<)]N
M%PZNO6YMV-EH24KL_P!Q+S;^U+^&G"%)-Q%;V@Y;)ZA@Y8I0^60KFBX*KQRQ
M?@51J8`]`#),)X.G+`Z6+(EM'<L]8K%(:PLD#L.0ZQ?<TI^TM,Z\Z>V36%6T
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MW6ZJL*QW=KO>4H=5O`P3;]0DXY..348/G,0W20:#)<&^%#8?;^CC57L=L2.U
MCI]2O4%>Z_9JEFC6C4!2,J;EUK[M_MD;G*(D@XI**<NJ31F<4,LX#R/'1*+0
M7!DT"(B$$)U6/;]QAL!K:L:P_P#+W=+GID\/6JW]VGNU)ST@WTM)3:\-5-@/
M>X]5U59'\9`5&4F6U,G+)9:XA'2HH?IJ(N6"WO)HE25('/\`Q7P,%TAUK&QS
M#%;:&AUYT8;J']RJN1H7K6SB3;,)C87>FS33&':I3D0LU3F+I5C$=-4RE^H?
M1JHJ(^:"IQ/)->WBON-7MH0];I?4[L'"=F=)W^Q;9VMU5Z"2FD[%/ZEN-I<(
M0FO=&:H@)Z*6OIJ\^B]:2NEMY,++8;"RE7\6X:DE@="14SL"F$JNI4RJSU=X
M-(P!@#`&`,`8`P!@#`(^VQK*K;HUCL#4=W3?+4[9=0L%'M"46^5C)%2!LT8Y
MB90C&11`56+HS-T<$U2@)B&X$/A@E.CJ9\F0$TR)EY$J9"D+Y")C<%`"AR(^
MHCP'QP0?>`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8!'.M-6U34T99HBH)2"3.V[&V)M*8"1?JR"AK7M&WRUWM:K914`%O
M'JSLRN9N@'R()"4A?0,$MU)&P0,`8`P!@#`&`,`8`P!@#`(>O&DJIL39&I=D
MVB2M+MSI>4GK'3:BC-BVHA[C-P$A5F]UGJ^DV`TW9*W7IN1;1:BR_P!.S_45
ME01,N""J(FM%0F'!`P!@#`&`,`I'[,D@Q>L%%G;=-\T<LSN&#I=@^0(Y1.B9
M9D^:G3<LW:13^2:J9BG3.`&*("`#@&DS#H5KU")V2C,;?[)W"X;,UZSU&]VM
M;=NNI79U3U8A+DFGU&H-A)#M6E586-X41E7R30TS)?TSN'IU6[51`9:GV4-R
M*Q6H*F5JO4^K1C:%K-3@XFM5V&9@8K2)@H)@WBXB,:E.8YP;,(]JFD0!$1\2
M!R(X,2^8`P!@#`&`,`8!JKMSJ-2=WW1O8]@;!W7(4X7E/D9S1S39+]CI&V/Z
M)*I3M=6LE,29B[<-"S#5NX?,6[YM'2YFR97[=RGY$,)3ID;58(&`,`8`P!@#
M`&`:][X[#PVCG&MZ\C1KUM;8^WK/)5?7&K];)57]TV):OUV2MUJF59"]6JDT
MZ!K=5KL4HN]>R$HV3]U5NV2]URY01.)2KW'7EI#[D,;6-#H6:_43L1M.P,I+
MM9N;:01%1KZEET!UYIW;/=6OZ_.[7C[!:JT=$]6A:BXCFL%!_K<ZX:5F0.V:
MN",S*'&3CCA0FV9^Y=065SDJC`:"[(WALCO.8ZR5^Y52M:[6I]TWVPJJEZC*
M)67TMLZ)DAC9VG-U7Q+&]:,ZPR!$Z+V0;."F2`1H?8757[C5$?0=;=T?1G8C
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M"TJ(U!N"U:.VA6_W*]O`UFW6]E?:>[1KZ$2Y<L[(@7ZA%RB@4ZI1.CFR,-8]
M]GZ6Y-_7AA0]I[-ZQ7#;/3@8/;9+!7F=6U16>S?7[K@PU\A"T:R3K6TRC1]=
M[\A)6)O%-`&+3EOJQ*X6,ND02XX+GB2SKON7)JDA=6Z:U7O/LWLIY:^Q-HMJ
M5ON&IJH[UUKVD]IMIZ;+(V*Y2+FK5I:-D+=49*-HT,S;N91S`P@FD%4U&R[E
M48Z>+P1L;U9[/+=IX>T7NO:PFZGJ9O/34'KR]S=LIDF]OZE6M-CIMG,]IE>E
M9*?U^\BYFN&,#*7!)[[#A/WDF[@JS9()*G>:\7;[D2.J'6U8_;77'9U2F:%0
ME=HU>L0EST_L&TWVEL-H4#54NW/$TZ]R*5)O+29VA!.D(B47(1ZT?A[+HRR#
MI%`2H5R9=5_N&?HMY9U.X=>]@5J&K=ZT]J3>]T_>FK9>'T?M[?:E43UQ1)!I
M'6L\G?@;_P!PZR-@DX!-Y'PO[A:\*.@2>BT$:3(;?WO"I[CONO1T#LR2UWJ/
M=6E=%;4WBE-4%E4Z[;NP47JEQK=S!UQ]9$;C;XI"9W%#,YT[5H12)(N"Y2.2
M`H"8:<*U,*5^XH_E&P3-4ZY[`=T/8CC<U5ZR[1F+3KV.JV[]DZ<KU]L3FNN(
MHUD_<.NX6]Q>L9]Y6).7210EV488Z@,SN62;@3H[<3[J?9VY;`ZC])MX[@@+
M[IVX[SV5U1;NX/4]BI#QK-2.UI&NGC@EUI3]S(H:?N:DJ"LC&IK%GT(M4$2K
MINBB;`IBTN!<[;]R[4M(TMJG>EAI%^1J6U-,;KW8T:-"UQQ+P4#I&(B)68B9
M0JTVUC0DYP9I))JM]25@W$#*NUVZ!#JE#0ZT[2G==N^R1.P'4#5[KJZA7:YV
M`KFYI^]+K;;UO:9"J1^OG]$2B)V!FH"PA%3L2C!6TLH\200<.'2;E%%MP=%4
M3AI5&ZY$P[B[82.E-MT6EVO2]G'65VNNN=;M]R(7K5J:)+GM2P1M1JJ<9K%Q
M;4]E3M99VZ=CXZ5D46)#,%7?O%07:(N'"0Q2JNTJ[MV=GV^]7.@=2Z1N.X9F
MH0]'L6Z[A%6JB4VI:?@=D2$PSJQ7+FWSD?*7&W.8RO/I92*BVRIF\8BFHJL1
M5TT17$TPJS4/H=W.V%9=%]<Z7L726Y9&YW#J&?:NK+M8;909B>[)/=2P]`B-
MA)@E)W)"3IUGL4Q>XIY$+69=FC*,7QG*Z[4Z2R11,HJKH^)6RO<.?V]<]-TU
M.N6?2NP-?]N8>E;5IS#8-6ND+.U>W=2>R%_JHHW+7,S(0%CA7<C7TE'+!Q[+
MAC+Q']1$2IMG"H::)OA3XHL.B_N&M*GJ#K;7;-2=B;)85O2_2N)[)[[7LU4!
MGK^_=EJ7K]O2E9B.L]A:WC8TBX>7",E;0ZC6[@8B.F&[LYG)Q721!QQ?M)%K
MWW/JFJP)>-B:*VKJS2LI`]D9*I[5G9"BS:=DE>J9+H^VK$A2ZS9).U1+=Y!:
M^F'M>=N42DF$V)RB1N95I]2&CMQ_F?3C[D[RJR<S3]K]5-R:RV>:D:EN.OJ!
M(6?4TXOLIUOC:"VI-6TR*LD1=3UR`MIK2W5&QIR:[5I7&:"CE1PNV`BR@:.3
MP,!WSW&MMVT/K&_4&C;-J6SZ-]P?0VAMHZ3KUIK)[2^LZ.Q:XA-:]1N$78FE
M&L-*N]:LT;(`_6?(QZD(_*J\(B=-9!,$J/LH;.:D[MQ6Q=D5S2MGU1==9;?<
M6K;='O=.FY2K3C6@V75-*U?L@/.PU^5=,;-`7JA;?A)2&?,B\'27.FY3;N$E
M42"'&BKP(HZ^][]A]B>R%-I=6T6\B="W/KDAN)"^3-JJ2=IAI?\`N)=J*X"2
M@&M@<NW4,I)U(&*239L=<%U1<'4]C@"N(<:+/$DW8O==UJ7;;C7NPM&6Z!K$
MJSV,37=^)?M32J]XFM:ZNN.WI%!;7L5<7=XJ5;L53U]-%BI:0;%24>,BHNDF
M?U+4RP*-55,X>O\`WHC]Q2'T]ZTU?M`Q\YU]A.TVOY38<Q2I5.T:0D_I$Y.<
MF6],GIY6CV>K*R;(\A$/Q%9-N^1.50ZA7*+<'&F6.-"&I+[I<-5*`YV=L/K/
MNVF5*T:7?]A="$%_KF?LN\=7Q-AU]#22,=7(>W*N:1LHL;M."E4*Y,'1678/
M3![Y7+5XW;"='!,RF;^XC,52:'6=IZJ;>CNP;O:.M]<0>F&%GUA-JS$=N2D[
M>N>M=C$OK"UC36E&<#I&PQTVL=<7,*]CE_Z+E'V%7(:>-<#FCON'/K<:)I.L
MNLFTK]V%9+;=+M70Z%LU?7I34K?1]DKU3N2TS=Y^UM*98#V>9ML8-0)'N%0L
M+1Y]2<S)%%R9`-/;@0WN#[IM@=:=W)L/JOUVN.S6VM.ONN][J;`NLW1Z90HB
M)V]2W-NI+"4A)2X,+G-V.++'/$9J)9H$.Q4:^!G'FLB4XE0QI)\3;);NC&0E
M1W%.W75EOJUAT9?]#:UOM/"9JDXZ1L^^6&H'T6G%347*'AI)E60W$S(]6!0H
M*&:+B@"@>V)QCI(;'[@R-M2G6#_1F[==:UM,KVOU)0MWM9S60OIO9W6)CN`]
MX1K=:_7I>:A&3^'TS8'M;FY)D9FY>1P).6Z15$#.!.CM5</M(RTO]PN_I['C
MJ+<-,W>2T/\`H?1RKU'>DU;M?RE\&3[55IPQJ%PW)#P\JQ!5>X7(\='KFBXY
MN1D_744.E[*R7@J'%<,\3LLTQN"*W9`VRSP,++14%6]J;1U;'OY0[$Z=I<:G
MNDOKVPV6%^A<N?\`V`ZMM>D&[4RHD54(U%02@4Y>1BU0ZUMG;]VXWZ)RNUPF
M+U:+W`_<'C*(Q9T-2/AKG9Z56_NFLM416M(<S9Q78I5.;UPP2KJA7BZ*#IHH
M?ZU8Q#K*#!FDM5.SX$Q.?N&N&CE;6"_7:])=K4=EN-<#UR5O>L4!]A#63;<A
M=C&VRXL25!3UHMK]ZB!7QE`>?KR@10M/?`Q@DC3QK@0?!=NHG:FUHO9T5<=V
MU?6>QV_VYAJE.@I2M1SNO6O86W>VE-NU2V%$3@6"!902LY34XNXA#J@]=$AT
MP:O#%224&.)-**F%<?@217ONF4J4>T=[/:2V74*!N`E+LVD]@2LUK]XQOVI+
M9M[6VF'.TY."B[,[GJ#&P4[N2JRRL?*HI/U:[-INP*5=N\:-Y(T=N*,IV3]Q
MV`JUMV'1==Z0V+N.T:QE=I.+,QKD_KVL-E-?:0B==FVA>(:1NMGA&DL[87?8
M/[6B(8A@?R\W#20![#5H=S@*',U;[I=Z-OR%0[(U[4%*EV6F5_MN+=J->=@Z
ME;XZ%O;1Q;(VS.Z].PT&C.-+4@FX)'-V+-N@U3?)R!A6,H"!B"`F,5A7.IN_
M7>X%_G&>Y(!SU5V/`;CU)':UM(:JG-AZ<:%G==;;<6IK4+V\V`:Z?LVM-(M6
MASA9]DNLJ_C3QA@;I/@6;&6&.E<\"&J+]P/8NVMY=9J+KW0+@:-L]KV2@]R/
MY:_:^<36M-@=>]A4F@VEE#/H>TO8:Y5NO'GSR`NXT'?ZVPDF1VGLJ(NT2B7%
M).K)23[Z19]F$A#:7V*EHU??[WJLT['J2-0"I.-\L9EU4%8/]FA-C>DJ,ILI
MDK44[$9I].:RD]GV09F*^$1IP[:%FNOW']<TC2VJ]VO=<;$DX7:O578O;&*K
M\06O.;&PJ6MBZ74E*DLV4F$6CRX29-UL@9IH*F;**,UB&5*)DO,%%MT[:$B;
M0[7W75]3T$=_UHV),;?[$WZ<UQ4=+15OUJI+5RP15&V'LA)Q>+J-E&D14&6G
MZ[<.'SIF[D/HU%BI)D<J``&!1K7'!$7Z1^XB&YY.IM2]:MP4QEL^A[GLNGU)
MZ<U:YE]B7+KO,-*QMW6:4/&7=PC6)IE:')VT'(23IO$S:#59T"[9#V#+@XTX
MF/F^Y2=B9]3YCK5L0V\6VXM6Z=;ZDJ5_U%=TWDANJI;&M.O;(;8<+;_V='P"
M:FKI=E/%<JI/855FHL*#AL*"S@3I[<#-7O>NR*:5/MBM]9[M/2M2NVUM?;HH
M[[:&EJ@IJJU:9F7$':X4+7:[I%UZ\2-A=MC*5L(LYT))`2G=*QPCX@(TXTJ8
M?:?N:UQC&RE\U_H';FTM*51EH5.^[5@GE&A$JK9NR,-KNS:ZKI*;9;)&VB>"
M)JVV*[(65VT2,E"-Y5/@')D7@-A.GAQ."R_=$HU4/?;!*Z:V0.IX6O\`9Q_K
M+9[&8H#]#<UCZCPMPG=LU6O5!M9U+56U)-CKR?/6'LL@V:SR4.NJ`MTU&8NP
M4&^_^93+?<JL$+,VB-N_3K=U)8:W5TW8-KS4G:]1OVU$U5V#GW-8U7>@:P]T
M?/K+-'F(R0"?K[`BKV"0C5E!4<^XS(Z#3VERM'W.Z549&]RDMIK9`ZG@FO9N
M/U[M9E+T%XRVW?.I-7OUJVQ2X&H(68UN@$WS35=E2KTI)MT&4RK!N#<H)*L5
M'@:.U5_F8+MK[C^W*WK^UK57J?;:_MZ&D>J5M@Z%L:\:U(G/:+[,;G#5<3<G
M$A!W%5A7[>A+Q#Z(=0CIQ[L3).V;HYG3(JXE!07/`E+M%W9V-UHV3H-&?TL*
MFGK3J+=&V]]64+95E[%K6,U%5H"SV1C!QY9MN:T/*E'R*RKA-FBZ&8,9%!B/
MN>7(*-5GB7RH]X;G;8G:,.7JOL"!W5K.-UI;G&H+#L[23`CO6>VS6DE3V')[
M&)>5Z7`1T4YHLTSGF)E7$E&OXXR2*#Q-9LLL(T]N!%LS]TF-0KT5+U7K1MN[
MR3/46\]T;.AH6TZE(AK.J=9-KN]/[P:*V-6[FKUVFXNSQZYZ\E".':%E;$!5
M%9!/R.03H[?X9,M"[TLK/5MZ62W:3V-K)QIW1,!V=B*_8I2DRLKL+1ESA=AR
M]+L,>:MV&495FUR*VKY9H^@Y)5)>,<%1$RJJ:OF40XT*/;?W`Z9J@D>0VJ]E
MW63EM1Z"VS$0-0"K+3,LCV'WK5=`T^IQZ4Q/Q+(UB9VNWMEW1EET616@',"_
M)>,<`HU+*EW[FEUF>MT.M&P5NT+C;MEU*ZZ^DO&M1"/-4-6TW=L]?W&T_P!>
M_9`T%#6FQ(%5-P!@>J3,LA&BU*I[JB8G3QKX34W0/W(9+7_7>,DKAJK=>TK!
M4T.R>_.PKJ4L-,:VG0FBVG;;L%4H$MA3MEO16NUMK<%KZ50:5V"6>'"*JS@$
M5>`CTGD$N-7_`!R-E)G[D10G9FO4[KIL*T.G78V<ZH:JEI2\ZII-8V[NBKQ-
MRMMC8P,W8;608.J1]'I2[I"1D$4E92472BV#9TZ\O&2-';PJ7^K=M^Q$IOGM
M5K=]U9D7]<T=K_3=FIR4'LG5R-EL%CV+%/WKROS;N;NC"!8-C+(+J%>G.W;,
M6<0Y44%<Z[5-01143KF8U&_<C=V)S2:+3NLVP[?O2WW_`'%K!UK2#V!J9S6Z
MU:=,4J@[)G)&3VV2U&IKJDS=&V1%NF$BU]YP+QR1BNS1=>XFF)T\W@1!V,^X
MV_O/57=,UUXTONF?DVG22X;PV':H"=I%2LO6]&[U3:<#22J-W5M;25JV+`6;
M7,T\<M:\JX%DRB`=H.%E'+%%R)4<<:9FY?6?L[);PMMXHT#KF<6I6EW2FL;=
MN66N5/.,MMZJ1%37LE>)0$Y5S?V4>X)8#+,Y:0;-DY$K<ZZ:8MEFCAS!BU15
MYFZ628C`&`,`8`P!@#`-/^RVG]KV?877O>NCR4*7V-H6<V$V5I.S;!/5"I7:
MB;7IX5JT1Q;C6ZG>I6L6&(EXJ(DV:_Z._17(S7:*%2^I!PB,DUD\F=:J?VO=
MLDD(6^;)U[U'[0WBVU+;=*VU5-D6#:6OZ!"GN/9_>>_:?:=?/HBEWM_,Q:<-
MOB0A[!`2D>B+WZ%HHWD"<+%6BAEK7"J7]#;V#Z5WV$EZPX;3M';Q-<^XU:>W
M2#!JK,I@WU9+:CN>O(BHLD0ARHIVM@]L+8PH\E8E:I&\7`F`I1$:E]E".J_T
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MG)VDHVX(=TT`I5Q$N2:JZY_`VWJ_V\GE#TULC2M3OT:,!8+WTEFZ8_EHET9]
M&5CJ16.L=9>,K"1FNF@[G+@CH)RLFJW!-!!213\BB"9N1&K&O?\`:4%.Z9=B
M]#75EM;0FQ]0R=QL"N[:IM2I[4@+D6E6#7^P>UFY>RVM)RM2M4?A/0=_U?\`
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M9X1<K=(1J\-,<"3;]U#L]N:]E46=S@6:F\NU'5SL)#"ZBY!9.`B-`#U:&8KD
MH"3@AGLE8QZ_O/IETO!)$)%'S*;VS^0BN7=_,B&B=%]SQ+O4VI[?L_73SK%U
MOO&UK_IM.!K-C3W)8'E[J6UJ/0ZWL=Y(2AJBTB=0UO<DF0KN.*HO8G+"/662
M8@1RFX$N2SXLC[8=,NVENN'VW.M&TIRB3VTZAVKZBT*HH:W1LAT+M2="3T.J
M]MB$1-H*2K%[%ZYK(S,^7R491O"H%743*10\$JC;:RHRKH?1;M71GVG61MB=
M;K32^K>NNQ>MM,5Z?HM\4-LR.W.6#:U^1W@(3:S*-)`U^%&-D(^'2<MY`[E5
MY[A"^VP3DAR7;B7G1?0K=.D+/H&]05GTI'FU_MWL#/V#3->C;[':?UAI_L,P
MURSE]>]>#NGKV4BC4U_K0DJS:NV;&%<2$](E1:QK8K9$@.2=3YV=]OG:%T['
M6_9\?.]>Y"M6_L?US[#AL*_:UE[/V0IL1HV9U"^>]?Z';U'WZ35];S)]7K/6
M;YH9!9HM-OVZC%87*C[`4E2F-:&R%ET-OBG]F;;O+0-LU4-4WK#:OKV^J'MF
M)MZKR.<ZN4F8J-V!JN?J4@FG^NR]'GC1CV(E&WT:BT<Q<INT>'*+@154H^!K
MO?/MS7NW=>-`Z6C=N0<!,:9Z=[&ZUO[&2$G58^S3=O5Z].6SQPQ8S,5)A09I
M'2CN+GF!':#UW$32B2*Z1P$V"5-5;YLI]0?;XV14]B?W)GWG7'7B3O<^L=IE
MU9U\UO)4[7U6C:!UYWOI!U78E13].4GY69D=KM)8\JX9,C"F@JU^G`B2!Q@.
M553$Q/7/VOY#5NQ]:VT*9T[W6S-1>JU<V?8-Z:;<6+9-)M/7+75*U;)6O1%D
M*B^4296ZL4=@X81LDHT""FVXORKN@74;%DESKS69DVP/M]?5]8]?:MV1MB,B
M:?JF&[NOMDV^)@)1V_-5>Q]'WK$EEJ\Q,LNK^K4)#9Z3U4JI52O#QYR$+_4*
M`"->-5V&F4+JK8?W)-K[.D+'LSK#NJ-UAI#J\E5KM2-;VRZ]79S<.M-\W':@
MTW83"VS!%+P?856;%):H6,<\U%C*L@(NX>"1549817$["I?IGM!UURU_0==P
MO4SKAL^C=F=>=BT(C2VL9QCHQTYUW;8^=)#RL$S5J,]-S%QA(A&,DY8I6"Q$
MU/-)/END!ACJ5<:M4,;9=..TT+?HKLY%;!T(Z[-3.WMCWC8%<E:Y?@TFC3;_
M`*=U7I")J]4DF,DC>G,M0:WI2"D"O7:**<T]<R*1TF":S91J&J.6-#(>JG2K
M<W66W=?)-78FM[]#T[K?+Z$W,\6@+'69R6?M-DVK:-9NVN6+9[+131.6FK6L
MVDXR14X:H$(=LY5,`D,$I)UYU(8-]M':RNR9.96LW7081+;?:':2>V#:QG77
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M$G#2W6V9-(JLV2Q!;(*'2(H(@0V!JQ3[2DV'TW[=[`E=CE)L?KW6:YV'N_5K
M<FZVZ5<V%/S5:V!U]=ZE0LE,U>]7?PS*1HFP8+3\>FC)RJ",E$K.'7_3.?=1
M.V!22YX$CO>C=M=:OUC0"WZND>4+=O=K:CR1-#R0MI".[4PG;B*KT0V0!T"J
M+VHJ=CV)WJAA$CDL8N"0%%5/Q#4JU[%]E/Y&J?8#K=:NM/7?L/+6?8]#6I=F
MZ7=>]6UAVRBK*GL]IV[ZT5YY#Z`6UU#)"]BK2SN>QE8MQ'L#F1E"RR"+<GO$
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ML;$..E+Z3UWJBD255UO#'ZTW[>-WO4)0X-)T3]&@K>.WRI1H&`#H*MUE5P$5
M0`HC5\2+-(_:^)K;4>S>O\Q1.H$=6G^@K)HF@;_UAIM6F]DK$S<C'I4RR;8E
MFZ:,8:7KR4''/90S)XZ"=GF"4CPR\0;8#G5UQS+5/_;`MIX+0-O?L^JO8W=U
M)UEL^F;L:=I-3/K5J;8%VW;LHN\+]MBC-&P3,Y1)YEMA_+G09F2=I2$'*F9K
M*MU&Z#@HG7GFEV$Q=E.CFSMK.K+&ZUL>GJ13-D]))CJ);X):L6&+:T<\:[EI
MN@S^KHB!<*1A*PTDYQ9DZB'8HBUCD$!;+F.4R9A"DEG6M:E=VHZ.7K=NR+3L
M^LV+6$LD\<=6I%#3^W8">F=5;)#K^][+'EJEMUO#.#+/ZM+*;[8R\5X-7J;*
M?K359PT=)?TP",J*AC&B^BNZ-%VW1UUA[9HEV[I>X.UUDV!5*]1['0*.TUIV
MMM=*N4C"ZFAXI_+_`*)/:U=41JPCT7WN,Y-JJJLNH@N(`(.2=?9]A?$NDVZ`
MN+772VR-;&ZDL>W+WN2WC$ZU82[M5L[O9[[?:>HEWPR`TLM*:;VD#2X312_J
M)X=,D4+0#>4@(:EG^*E""3_;>[.62@U'5-WW+I+]D:9ZG[?ZFZD<UBDW5O8K
M!$WZP:*>P&R]CK24\X9,)QC7M)H,WD/%E4:"Z<JNDW0E.1L@)UJM<:UJ=F^W
M--R>R-H]7K^QFV$8ST%M>W[$F(YVU<+N;$RLFB=LZD0C8Q=%0B3)TUDMBH/#
MG5`Y#(-CD``,8H@,$Z)KF=?UL^VCL"RZ2UOJAENB'K$M2*!WCI[BV1,'.>XN
MZ[77$UIKR[5NWF(U\6)@6O+":1([;N'[198K9=N8Q5"C/7C7N/K4OV[MD5C:
MD9M>>7ZSZR10VUUTV'_:CKIK24IU`@HK1M"['TE_%,'*P1J]@GK6ONQJ]_4G
M+)I[*3,S043D216.(<E2F)9=@_;9VI,769N$'8>NM]0LEX[:RI*IO_6DW?Z;
MKQ#LK?:S<X?:=)K(/1BY';]$95XT4N5V1!"38./;2>L2%7(Z$J:[>!ISN&@6
M_KO6Y7I;J_L!INZ77;DIT0;W73@U&YN-^N]DZZKO7/5MIE]:Q3%V$`IJ&^ZY
MTNQF)::D0]FHH-Y-0YG`G3(T@E4;U-<S;QA]KJ1K\1V*US7:5TV;5O9]/[5Q
M>O.P1]-OFO:ZOR79)*[.&$+;[:U`[.7BJ4YOSR-<2R#PKV:@6[=!1J@M[RZH
MC7D\>'<;-;?Z96O9!^SRD;>:_%'WSK/JO1H07L3(N0KK[KY=+S:9>1E`1<D^
MN:V)&V))-B)>!T3HF$XF`P<28J5*=AK>W^V')P?_`)C:;7:3TU"N;:@>VIJ+
MOY[IEXW[752:[0,M@.20<_;V?FTEXJES.R7S(TPD](^DJXB@R4:)K`JZ4&6O
M+,F_?_278>S9:_6FF7NEQ=@E-`]5M=4]E:8>==0H7SK!V.G.P;-[9UHAXB_+
M3[BX=-8M;Z0!?,T_=7*"I@(F(A22P[7]I<^YW3W8_;2NZNC3V;7U;=#K;=.G
M-ULGC*PR<8--[$ZYC*;>[#K)T0$5G%HI$M#HO(9K,-P82:/DB\%#R\@$1EI-
M=5/MS[)<T.!:)ZI^W94K53-L46^/Z-KO2-CJ&D>R<34J/L6GF9=@X*/2)(\P
M\WL`MHK#`J,ZP@)R,2$XO@4]U$9:\<W0RC7?VX=AU.HWZ"EMB:N*_NW6KNEI
M%)"BZ^D:73(";[5;ZL&YX1[`5-*7D$X>G4!G/?I8,2+J++$;D4!0!,;`<U]J
M^PV.:=.Y!T?:;"=NK,D+M#HUJ3J`[4B(Q;]5BG]#3WFUG;FV!XN+1=I(-=NH
MBT:FX.11F?W#"!R\#'5]]36".Z$]GKC/0=FW-M71P/:GKSJ%JZ`B];5&[M6"
ML/U=[64/L'*VN4>V29<O!FMEP]348DCTB`U@W'L@"[THJJF$ZEP[28+WT]W-
M'[\LG9_3%WUFGLP^Z)JZUVL['BK.-,D];7OK3HW15XIMEDZVN>;CI]"S:0C;
M%&OV:*R0D0!DLCPN=PB"DJ:7D:N1/VJ;Y77E1N%@8=,.SM_DJK<J7MH>R^AG
MD[4R#-]C-V;X@+YJADDYL,I6G[9#>4G%R\`NL+25(V8G"0;F:F,X$Z^&*1LU
M;^FFQR:/W1J&OP/6';<5N?LAM[;4M4>P=6N;N@QE+V+(NY>N,(]"J+FE&MSH
MLH5FL@Z;^QQ[`_2KLE_:<I"%)5KCD0M:?MP[\<5Z6I4?N?7VQJY-:EZ6QMMD
M-Q0]SD9/;NR^G<HU%Y7=O1L?+/VUGTYOV$!<)\%72TDT=&#W4I5$RJ9P4E]Y
M)G7'H3L'4VXJCMZSV+2D22)V?V`V*\USI;7CZBT6OL]T:8Z]ZPB:C4&!G/M&
M2JK[3#ER[D%D4%)8SX%Q0;JF43+%`Y)JB(A=?;C[,4W4FRM5:9W+I:*)V'ZQ
M.NN6Y['=J1<I1[6',5)[M-5=C:R8Q,\S;2LB[JVZEXJ0CI8R*"*L:T>HJJ<+
MLUY)U*M77!FR^O\`J7M6+[@0/8FQO=*4V"I6N;+K8SC3\1<8S9&_X"38UB-I
M3#L*\EG2-=EFFJ$H%5>),0DBZ^L<`9NK'-_J&KH0Y+30[&,&`P!@#`&`,`8`
MP#%KQ=JIK6F6O8=[G6-8I5&KLS;;;8Y,YDX^#KE>CW$K,RKPR9%%?IV,>U44
M,!"F.8"\%*)A`!!8X(Q/5^[-9[C:O%Z!9!D7L5'UN4L%9EX>=J-XJ;6X1IYB
MKA<Z%;XR"NE,>3L2F+ILVE&#1PHAP<">(@."6FLR3W+A%FW<.W*@)-VJ"KAP
MJ8!$J2*"9E55!`H"80(F41]`$?3!!&>LMVZFW*U,[U??ZW=2)5FA7%VWAGQ5
M)*-K.T:TC<=>2\O$K%1E(=O;ZNN1\Q*Z1146;CY`7T'@2TUF2E@@8!AM#V#3
M=G5\]JH<ZVL=?3L-PJAY-HDZ11+8:!;9NB7",$CQNV7]Z#MM<?,E3>/@91N8
M2&,02F$*4,RP##[A?J?025H]PG&T&2X7"`H-:,Y3=*!+7"T+*MX&#0^E07$C
MF261,4AE/!(!#YC%P*5,PP!@#`,3JM[IEY&RA3;3!6@:;;)>B6P(.3:R0URY
MP!6IYNK3/TJBGZ?.Q1'R(N&RGBJD"I?(`Y#`HUF99@#`,,7V'3&VPXO5"\\U
M3V'-TR?V'%U@4G8O7E,J\Y6ZW/3R:Q6XL2M8V<M\:W.4RI51.[*)2&*!Q*%,
M*\#,\`8!Q+KI-4%G*YP30;I*+K*"`B":2)!44.(%`1$"D*(^@<X!CU+N59V)
M3JI?Z7+(3].O%;A+=5)UJFX2;3-<L<:VF(25;I.T6[I-"0C7B2I"J)D4`IP`
MQ0'D,#(R;`,5NMXIVMZS(W._V>#IM2AS,"RMCLDDUB(:/-*23.'CBO)!ZHDV
M;B^E9!!NEY&#S65(0/4P!@9F58```#X!QZB/I^8CR(_XB(X`P!@#`&`,`8`P
M!@#`&`8C2[Y4=AQTK+4N;;3T="6ZYT25=-4W*1&=NU[:)6F7*$4*[0;J&<P-
MGA'3-4Q0,D91$13,<@@80I0R[`&`:^2':WKK&D]U?;547;_323KZN,7=S++V
MH7;K#0LR0'T.T?-!<Q&XY)*O.D?/WFTB)B*%*":AB":,G64DF,+&R,Q*.",X
MV)8NY*1=J`<R;5BQ;J.G;@Y4RG4$B#=(QA`H"/`>@"."#6R6[H=8HFEEOG]V
M8::@U7VKHINRJ$79+O<'<SNNM1=RU3!L]?4^%G+XZG+S4)EM*LF9(TSD8TXN
M3D(@FH<@G2R2]9;LUON)W?&NN9I_8D];7*6U_:97]KVN)KP6ZOO'478HBNV:
M;A(VOW0U<F6#AA(+0SE^W8R+99JLH1PD=,H--$K8(&`8M=KQ3M;5:9O&P+/!
MTVG5UL1Y.V>R236(@XAJHX1:)N)&2>J)-6B)W+A-,#',`"<X!\1P$JX(RG`&
M`?!SD2(=0X^)$R&.<P_`I"`)C"/'(^@!@&+4.\U/9U)J6QJ'--['2KU78>V5
M.P-$W*+6:KL^P0DX>4;)/$&SM-!\P<D4*55,AP`WS%`?3`RP,LP!@#`'`<\\
M>H<@`_CP/'(<_P`>,`8`P!@&,5"ZU&_PY[#2++"VR"3FK)7%)>`D6TI'DGJ=
M89.I6N',Z:**HA(UVSPKR/>)<^;=VV42.`'(8``R?`&`8G,7NEU^T4^DSEI@
MHFW[!&?+1ZU(2;5K-VT:K&DF+*%?CEE"NI08**4*X=>R4WL(B!S<!ZX%'F99
M@&(UF^5&XRMYA*U-MI:5UK:DJ1>6:"3I-2NVI>J5B[I0SLSA!%-5P>JW*,>@
M9$RB?MNRAY>8'*4*&78`P!@#`,1I5\J.Q8I_.4J;;3\5&6FY4E^]:INDDVUI
MU]:I>D7*'.5V@W4%Q!6J`>,U3%**9E$!$ACD$IA"E#+L`8`P!@#`&`,`8`P!
M@&@_W1H![8_M\=MV3"VV>F+-='WV6/*5,\"21>MHJ`>O7,"[&PP-A9_HL\BD
M+5Z":*;H6RAO8704\5"C*/S+O-0;WL'L0AV/<]:ZGV)N=8B`[,=6-/2NR?V=
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MYJMTA+7#2-U6Y[V[YJ;N(D8JM-=D!<5;WI='Z]\K-+-G;&6=(%:)`DU,D%%)
MTIC1?`W>Z,7WML_E+C)[DC]^7/5DMHK6^QH.X[O@.NU:F'F[79K&ML6MZIB=
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M%"^]9-#MMWW6KZWK_7<=&5M"0=VZ3J[_`'].;F3876R1MRCJ)(M1@Z<]&4;1
MK=9V4B;I5D<PB*3SI1]Y;Z;M#?VSNW$)J1ENZ<U[06W83O$ZM3&G4[6I9BW5
M71$AU*=4&D+3$W3I@T;'G<["DD9.022&7>Q[I5`'2:HHN&X425>XK.[G939%
M)V1<971=V[!NWO723Z_,]HUZNUWKXWZR5QQLR]5U>1K^V979*$?N*Z62Z:UM
M+8Q&M-=+K0*3ABZ(4CE<4U@BJK&F/O(LENQ'9O4]><=EY'=]KV?'N^TOW'=-
M-]`RE2US&Z[1USUUA>ZEHU0U8/X&H,=@J7J+E>ND4@YE5)A1-]'O%VYVH'*D
MN6"=*>'=\"3^M-:V/%]W>OEJV1V(L6^IC9'VW=DWEZ:RPNNXA.O62?W#UAEK
M.[HJ=`JU5!IK:><2"!8N/?A(KQY&(@5ZL*JG$D.FET7$@/<7>S<.L++8-_:B
ML^]ME:5LM=[OG@";DK>@HK04_,]=]0;7V!50TG#T<8/L8A"U6T:J68.I6>2.
MTL$09VY!4R@QZPP2HIX.E<#9N<@M^0.Q.KO7`W>?<,P?LQ`;7VO?-V$KO7]I
M;%`T[4Z`J.N]`M&>GQI=+KNP)?983BOU[&Q2+6&KRJ#1P7WEG19(PQ=,B&:+
MNKN9=M_6IO7#]A+OKO4O::8ZR7MO)5[K4RT.\T-1J(SK=WV7<)M)_`;K-OI_
M;WA+<#F*CV<,9LJE&-8L6B@N#.)-(TX5H03U[WMW"L,'IVF:'B-WS$3UTT]]
MMVL0]+H4%U\'2EQK^PM*Z=V+O*5WS8MEV!AM@CQ[K^Z.F4`-9(V0B'$,1R`O
MEUW#8@EJ.->-2;*GMK>MVUE1XQSV2[;7S>VYK5V;NE9IG72E=2Z^>IZFT)N"
M?U3%24C.;JJ433X.G02TO`_J:DA)N)BQS#I,B!2,R.$$PHD\E14YD&(;2WF[
MKVW>WQMY7\+Q;/M]?:^V')T0\9K&0T^TL^X]B[/A[0I%U1_0Y5ZU:,EFK]]'
M$"57%)W+NA45<HIL2-(%%\M,*LV!?=A>RNM47O8^6W;;-B0I^ZG?70Z'7YQ4
MM=Q^NRZHTA7^WEEUS&L'</3T-BN-@QDWHB,3"7/-&(Y8.%&BC0X^*^21194X
M+X$V=5[5V`C]]]:8;87:"Q[OJO8'HQ>^P]IJ]@JVKXAE";49V_K6D$W07M&I
M];EH_68Q6T'K2,B7J\B=J4ON'>.5#B8HATHZ+)_S(6+V"[),Z;K7M6KO2S.F
M6[NUV_NO+GKLXK&NB:^HU%K,UV'H=&<5!PC3D]A_W/U]):>93LV^D)EZT?D_
M56YV22!6OTHFD?EIP,=W?VY[+PNINO$A3-N?MRW;%^WIJ;;LQ/'JE/G`':UQ
M[%]*M?O+ZO"/8H&;DHP&UYY+Z`GL1ZH/#<$*=-(Z45)48U??_,W>[`26V*Y9
M^F'4^K;ZV%57.ZY_8T??^PZD5K1_N"=B=1:PE+RO7*\+Z@GU?"7?8#\I%UG:
M5<,1K#1;\&C9)42.$),%3%T-5KCM?L?48?L;NMCV/V`[CNFW9?2?7*%U#-UO
M4RT'NFI_IO70NP)K;3UEKJ/LSS:^WS;G=JQ#J`=0,=&+)Q@MV"A%'1'0RHG1
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M=7:@:O:4W3.U)?:G3O6L%L2BPE6J,`Y"!JT%V7D7LK'3;R5:2+F(;KF%`AG"
M9X)I%NE,F7/L-7M[N-Q3?7N<[G[WGZIK3LG]L2:HMA9M-'Q&S(@-U[+VG$6Y
MA<YB*T^C`6=5I*TUM+11E(ENFB4J"#A)T@F<%P5*5HLF9;K!_P!AM2N8FU:[
MWE,2W]Y/N1]^-`Q&G;C7:274;0KV:[?W"IV><?1513V2M;TMNZU923^10F"-
M5(QXX8IL"$*D<LD8/-<$;`:7V/O>V=0^S]';;)WNU[Z:EH[N1N=<W77=0'FZ
M%N>0UT%CJC;77]MJ='ZTMVB-AV.!<*0#U`\J8[-9P@JJ@Z;J-6PAI:EEI-=9
M+OEO.ZW3:LQK;8#1OK7M%3M>ZNZ1-E(.N'<4;=,7.]?J)L^RH/7$:LK:':D[
MVC5>':R`N6K9+7KH2I%)]2!H,M*R?#,BG:=RL5],^G[1)EF)1"!V_5$9`(Z*
MBA5@:#]ZZ@T6J)*LX5C'1_U#.KUQFBJL"0*N5$Q66,HL=10TO(4HOXY'89VO
MG=M[(WALO0]1WG/:#I^MNE$SOH\G5H6@2CJ]WFX6J_4F*;74]_JUI(OK+7\7
M055I*.C?TQR_5G4A4?(@@CR,51*M*XG5U5AV!MZK=+*4.Y+]KF#USOS[<U9J
M!M8L-:1[QBUO'VW(^VR#]Q)6K7EO=3+^/F3NS,3O#+II(2*Z1R*$!N"`SP57
MW_>7;4EM[*T>MT;KIJ/:';BSFN5G^YONY[:]85KJW;-CM[+K+O!.ZFID,)-J
MQ&OJ2WUHM8[.XLEJ010>2LC,2*+=NO'QB@MRP'2M73A]Q,EO[(]WX:M;5N=O
MN]_KFP?[O=&>KJ6B=9U#2DL74US[':?ZM6G>5FKCZW(J1]PV+$VBX34?3TI:
MQC6H][(@=RG)$,BF08TCEPH_B2=KN2[P;%VKJKK[L'='8+K_`%F5CNY%FB;7
M8:IUH/V)V/K+7S_J;_9N4MSJO06R]7UV?J=FVU88MRX8L4%)R,C$CN6Z2KHZ
MH`]*551Y?$U94VMOJ4JNU>X)]YWY/8DO]K/I)L9]2TXC63O4(W6Z['WI5IE^
MTILIKV0>MFP2$&YF&B`R!Q2D)1R50ZS1-FV:RR:++_4;A6+=NV+AV5J*&MMJ
M]IDM*[A[`[SZL3-LEX'K)`:8@I6CZ@WJK)?^7INO#.M[NKYK':^FUTDK#-1L
MK7I)1K(I*E<-P9F(XD45,:5-)]6[*[DU[1W7+1>@[UVGV#:*Q]M_379RG/:C
M7^L%F>6+;FT%K/`4*@[>E=JEH9@Z_5`FL!9BTADCV!XE.JK/9<%6K,RD&34=
M3;I2O:=DG9^KW>Y]N/MIS3O9.T=5NW">]W]KU_2)2DJ5US*Q&F/W+*14T:<I
MEG<21'2H*P[E5%R0/H%#F:B@Y,1T63"/RLZZ*=O;LETYZ8]9)ZK[CM6S%-N_
M;H"VUVFSM*UDI6M.76N7+J)K37LUK.-;154D'T?5ZMV!>?7L;-//FLP[BFKA
MPY:%.Y$PRHI2??\`S.PJB;I[4Z1ZV=[-E[/JNYI^'T10K1M3KK+=G&6E66U;
MBU@-,O+59JU=&W7:3-4WU>@MBP+@S1V5NPD#QD@#<2J?2D6.,6DY)*F/(MCR
M'[`1-ZZHZ&6[P;@LG_F@K^RML;#W(RK^@X^;1)J6BU!^2C:":L]0*U>F538%
MAV2A+J!(-K%((0]?.W;.RBX<.1!4HW3(TPL'9ON39J9V'G6/:.;K,IU$Z@;[
MV(R?U/7&J3PV[MN]=.V/:W2]<O5]9353F03IU]J6C&@V""@5H=%P[=J'8N&)
M4$RF&5(\LV3K:]C=I*ON>.ZRM.VEU5;6KL%U.:N]KS]+T]_<",J&]=(=I+3L
MV@U1)I0&E*9M74]I9FXK2SJ*>O89R[$AU7J*2:(P12-*TY_`M$SV&WE)L-F]
M=(K=79^W[MT1LKLDQK%LT75^J[&R7;5&MX?5DQ3]C;^L6Z(*NZK9M-?36S@K
M3UI!IQ;RTR$:NL9J!4G/MA19X4]IC-?[0]IKO3MG=EG._)Z`C]1(_;AL</IB
MLT[6Y-;64>Q.KNO=FW?$W%[,U*;O<E"6(-DOBPY&,Q'+P;D?J"+..2))R3IC
M6G>;==3=][GVCO*&T?:;VYG)+K!5>PT#V:?EA(!BO=KP3>ZFN.L\E-I-8EL$
M&K:]0TJ8MAD6`-$UQD&QA(*0`7!BTDJ\S5F)V]V?VS/VBN0O92X:CBJ;H/O5
MMXAM?473YW\S>M/=XMMZSU8,HI:M?V%D-9AZ;7T6LJR000<3GMIJ+.B*^^HX
M$T5,N*^XW-V=OZP7#KYU!0:67><!NOM!5:A<(JJ=5X?4!K_9_8U,C?+ZW:S^
M_P!J^UO0*%774LU</9%XX0>#_P!,R;J'5="0XA+%\D=?=:[']Q-M:SV)=7'9
M.YZVEM!?;P?]@1BJU1M).%KYO#7V[NWE%;RVRE7%6NL"K`3L%HEBC886MN6<
M<\=+**1[MLD1,3N%3*D4\L&_Y&Y_>GL5MG7E*U1;]=3[*I35DZL]T-FJ*%@8
M*;*RN%`ZLO-A4=^S5G8V0=MD:_:RD7%))1,CPA/:<`JF(DQP,8I.M>:^\@^Z
M[<[0:IV'$]=#]F;M;WF^HOHL]5W'9*AJ1G:-/2V_MI;HI^X5M8QL+KZ-J3.,
ML<'JYHSK+.=8SGZ'+R(*BJ\`01$319TYEZZRS^SM6=S+CIIUN26V;#7/N!V*
M0N]@GHBFM[+;F5'Z,=+9R@LK:M6H"&BR6&G$F!;KN8UK&@_,F"JZ/F<P8#HX
MU_C-F)Z0[!]B+<[ZW["WYMS=]<T/MR*0UG0MFZ:K^G'=)==AK5O7<^L4Z[V*
M2D*!9[A`-[0T<4J.H<G%-VM="6(HE)K%<N40<0&EBE2I%W5JL=J9;4W6G2&J
MNX^XZNXNW5ON7N@DS/P.F+1/NMD:_P!T:CI>JH()R8U8=.-H3.7NCQ[*I"W7
MD)!-TJ@5V@D*7LR3+35MKBC<K0_87?7<S5'9G8NJ+:>G.6/7'5E`U*TCXV`>
MMZGVX?:9D]J[1?NRRT2^._=5.T[*K%;=,7(JM&[B"=I^T"IU3",6E%I/G]AJ
MTZ^X1ONYSFP[O1[@R8Z_W[H*KZBZI5@D%"+GJ?<D:[U_D).23DG,8L\G)!W/
M]JU6+F,>G<-&YM;.O%(HF<>8G2N/#/N.:GWK=O5>CK;NA=RVO8%7EN[/W*J+
M(:'E*Y1FU`E*_1U.[NWHF70D8RIDV(78TGL?3*#MS(%F!9*LY1=D1@0A$#D$
MNC=.Q?`M53W5]P%[0*/(O;]OVG5G>K_HZV1W;MN@]5#*U_9VY][U6H;=A=%U
M?7+^V,5]66C5]R*Z@T+,U?.81U')G,\>"Y62R`U&O:J\R7M.;J[GW;LF<:P7
ML'>];ZU[<W+K+>VTU"=;6NA3:&UC7I"C2^R;!8&\C!;P=[^D-@Q[6TN7;)@T
MAU4'QHUM%@S]MR(AJ*7"M#O!R36,`8`P!@#`&`,`Q"_T*H[2I%KUQ?X1O9:3
M>(&3K%KK[M5T@UF8&8:J,I.-<+,5VKQ-)VU5,0QDE"'`!]#`/K@9&$NNOFFW
MNP%-INJ)&K7]6Y5C8*EE,ZE@>&N5,H-GU=6)T42R!6/U,10;E)QJ9/:]HR+L
MQCD,H!#E$U>1&=VZ-]5]AI-D;7J9D\!M9]I6PRL=9[Q7'3^1W?8"VK<$9-O:
MU9HAY8*;LJPIINIJO/CN(%^HBE[K,P))@4-31E-6ZG==Z4\J+^JZN@X1U0W.
MNW=049NYH"P3C4^K[!I?79V:*LHHB):MJ^U2$.W*<IR&;N3&4`ZI2*%#4V:H
M=K>F071C&Q>FNMVB+HH_=[OG7MDV-O?=6H'U7N^]YQM8K[(2C#652L[O:VKK
MY/><A9JD]DHZ-DUVC5/V1*!3MQDI<VS8Z$ZBZM7ZRZ0ZR;(8K7VM:1I^G8*!
MFFLE8*+-I673$%"Q-:NT!,TJ;AK%49E-Q#^\06#](R:2QT!,=$YRF$:G5M&?
MQW772D3&TZ'8Z^AR15`O6P]EU*/66DGC6)O&V$-AM=C3PHO'S@K]6VMML6(C
MI%U[S82RJH%3*`)^`BK+9H[K#I+K>C+M=-522J4?,,H>+-$.+SL&U04+"5X\
MFI!5RFP-RM5AAZ%5X<9=P#:+A$(^/1(<"E1`I$P*#;>9A]5Z0]7J19GUJJFK
MDX-Z]O#/92<.RN%_"C0U[8V-S;B6BJ:V4M2FO*9*.K.\6?.S1$6R*^<JG.X!
M43&Y#4V65MT`ZCM(B_5QMJ0J55V0W<-[!3BWG97[)B_J;BTV&9SKVEC<AJVI
M9%"]Q[>8;NZJTAG+6202<(J$53(8!.J1E^M.G?6_4$I&3FOM9M(:?BKK.;(1
ML+RQ7"QV%[?[-0FNL+%<YV>M%AF9>RV:<H;%&-=/9%9TNNDD4QS"J4#X(<F\
MRAW7TIZP]B;$YM6Y-5,;E,R53;T6?,>QW*"C+?4&#Z2E(>OWN`K-CA8&^QU<
ME9AV[B2S+9\,2[<JKLQ05.8X@I-9$B0'7_3M6N_]R("C1T;=_P!6V/._N%)W
M+*._U?;IJ4?8[X4G$@JT%6U'UU"BN'M^)/H">T"?DIYA5Y$;;2Z1]7-TWIYL
MC9FJ&-EMDHA4DIQP-DND/#69:@/U)2A2MMJ<!9(JI6VPT9^I[D-)R3%U(Q0E
M+]*LD!"`42I-8(DAOU^TVU;5YDC0XD&=4VEL'=4`U46D5V[#9^U3[$4V%:_9
M7?*)NG-I-MBQ?4(+`HT`LHJ!$B`5,""*LC[2_2SK)UZMPWO4&KVU4MQ*6OK9
ME-JVB[65S#:W6EXJ=1US6T[;99UM6-?Q4M"MUHZ$CB-8N,$I@:((%55*<')O
M!EOKW1;J?5MA_P!TH73<,E<$Y;8$W'*/9JVS-;K[_;#.<8[0_:=$F;!(46GL
M=C)65\><:14:S:2KE<5W*:JY2*%$ZI/`QEM]NGIVRI">NF>J'[6HL++"VZK,
M&^TMPI/=;SM=CI2&A%]/3Q+^6PZ78QL)-O&";*INH9D#!TJV%$4#F3$-4C-X
M3IAUOK6P8K:,!0I&(ND4R@&9W[#8>SF\785JM3O[?5^=O563N0538UPC*64D
M<2<GV4E,"W22`SDPHI"01J=*'"'2;K(C9=<6^.ULI`6#555UU1ZB]JMWV+4D
M5*=J-T1[K*LW*.K-MB8O9<+171!/&M[(C+)M144\``%5`.)U,X[9TAZN7:!I
M-:G]5-31.O'=]<U(D/:;S5WT>VVG-K6/9<`[F*Q9X>8G*=?IM;ZB8@W[AU#2
M)TT@7:G*BD!`U,IW71;JFZ0KS,VHV+>,JVI:GHJ(A(VSWB)KW]IJ#-EL5#ID
MK7HNS,X.PL*/->:\,M(-W3J+%=8K55(JZQ5`U,DD_7[4[..CD(B@P7OUO:E[
MWS6&SUW,`P:;FV(6^J6RY.#%=N%3*V)QLR<!TD8BK8I))7VT`\4P*(JS1CI_
MTBG]0=@U]Z3FH]/Z&CZ[HV;T=5*#JK<VV-ZI236UWJI7:9>MYW:%4H[766M*
MJ>C-&U7IT''%CV`2#]4WM<HI`,I2JJ=IMU#]..M4!MU[O.*U;&MMD/INT6@S
M\\U:G=:8VZ\1)X&[76$UT\G7&N:]>;E#++-9:;81+:5DD7+@KAPH#A?W!CJ=
M*<"/ZQ]N?IA3OKOT'2,<D#ZM1-)XDK?L.?"-HU?O-6V57*'70G[=)A5J)6;Q
M2HR0C(2-^DBXU1N)&R"22JQ%!+E)D^[GT3JCL'56=,V]44+9"15@B[;`J)RD
MY7+!5[7"^^6*M-/M]4E(.W4^R,47:Z*;^+?-'8-W"R/N>TJH0PA-K(B1+HIU
M52N=1V`;5975JI1=?GBGTE==BRK*5E-4MBM-:6F]04E;G<!LV]4-%-/])L%D
M:RLVQ.@B=)T4Z")B"=4J4,BM/4#KI<:)5M;S.N4TJQ1;E8-A4<]>M-UI]II=
MUMDG9)>SV.HWZHV2#OE:D+`[N,H5X+*20*X;OEFYP,W.*6"-3K4N=YZNZ6V-
MK6G:CM,!9E*'0F[-I5XZ!VCM6FR[-HR@'E7(T?6^FW6!N,\U=0+]9NZ3D)!T
M1Z"@F<`J?YL#4TZ\3'%NE/5Y2<B;`CJ6)C74)4=1T6.CH.9M5?JJ=7T);8N\
MZ7CW-)@YZ/IT@OK*RPS=:&=N&"KQDB4S9-4&JBJ)PU,ODEU1T)*;C-OQ:D.6
M>TG+J(D)>:A+G?*Y#6B5K\*O6X&;NU&K]HC*%>9^$KZ_T31_,1CYXW:I(IIJ
M%(@B"8:G2G`QG8/5G5A]/LZ-1]*:SMIZ!HBV]?\`6&O]C3EEBM?#JZX,J8QL
M&LYZ691]QDVM:GV>OH=)5X:-E'B`L4CD`1\P.";K4U2Z\_;IK#9KV&?;]UK4
MZ^PWM/:,>,=;4C>&ZMH3M4+UX+)R5#O,KV2MAZ/MV:VD-IG%ED'K,6`0\9'Q
MS-NJH"2IC#)RRIP-XW/6+13NMQ-2<:_9*0,'L2[;:B6GZO8R+LMD;&9WQA=;
MBE)$F"R@S,^VV=/`J<RP@0\BH=,"'*F8@QJRMTKUVT_UZ861CJBK.H16Y2S.
M<MTY.VNYW^X6B2C8AE`1*MAO&P[#:KE,HPL''HM&*#A^H@R;$]M`B91$!!MO
M,Q"N]-.K]3B-*0-=TU5(J(ZYW^W;1TDQ;_JADM>7Z]EN);;9(85I%515U,_O
MZ6$Z;D5T$SN@,FF0R*`I!J?O*];J1UT<(G;K:MA5$5/U_P`TQ?3P`;]T;I;]
MB)_D0E@'_P!I;H:ISY_7Y71?;+XH<HX&IG+N[JEH#L:^@I+<FO&]N?UZ'L%:
M9.TI^V5E=]4;8>-4M-'LJE1GH`;C0+*K#M3R$!+_`%T,\4;IF5;',0!`$VLC
MY@NIO7>M&KQX+5\+'&JEEUM<*\*+V=,$79-0:W+J'6TJ@"LJH!EJIK<@12!3
M^29T`\E2J*_U,#4RQ6_I7UFO%;K56F]:BUCZ;;-E7>IR-4N>P*';:W8]R6";
MM.U7,+>Z-:ZY=XUAL&?L3MQ+,$I`K!X)R%41$B*)4Q.J1E$MU:T!.TO9&O)K
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MO#">>A..HV-:JS*CE15Z*ZIA/@:I4IP,1'[=W4`*_4:RUU;*1470D+1'4Y2"
MVMN6OS->K-R=Q[ZQ:_C[+!["C[&GJM\ZB6IB5(79JRV!NF5!BF4A0`-4B?-E
M:+U;MU[KJ3OM95E974UL2NVNY>.L%GJTQ6+`2-=PSA1K+5.:@Y)S%2L.^5:2
M$:X56C9)J<4G:"R?!<$5:,7==4^N[^K5&D26IZQ*4^B:>MF@*M694CZ4A8[3
M=Z8U&-MM`5CY!ZY;2<).,:'$)K?5E76\6)/$Y1$XF"KS[2]ZFZ^ZITG5IRET
M&"F"5RRNC.IUG<[U?MI.9(!AV=?*R<2VT;/<9C]'1A8])LFQ*X!DDD40(D7R
M-Y`VWBR#F'VZ^GT55$J3$ZLE(FMQ]CC+75F<5M?<T8ZUQ+P\7.04<74,PQV$
MWFM-0[>`LTA'C&U1Q#QJC!VHV.@9`WMX)UR)#9=.NLL;5)BC1NGZO&U&P:/0
MZWS,!'&E6#"0TH@\L\B%&73:2*)OI5Y&Z2KE=X40D7+A^JJJX.H;R`1J9$O9
MSH_K[?EBU9,!5J\4K#=VK+WMYT\G;9"35DIFG]<;JK6OVM:E:Z[2D86V4RT[
M02?1CMFO&N$#$.L#D%4T@$2I-&3ROV_.H4W6*94)'3S52$HC>],H<&]RV(PE
MY:-VC-(639L1?;*PMS:R;2A-CV)LF_GV5F=R[29>D*N\365`#8&J1GL;U)ZZ
M0]0LM!C-6PC.GW!MJMG9()%[.`UE&ND82IUO5:"IS2IG")*;"4:);M_:.3W"
M,B"M[AA.)A&IUKQ,-ZT:(L.O=B]J-X[`KU%KFR>S6VH"R2,;0IB1L3!C0M7Z
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MD;[KQK%R43+,)"`E:3=95:5BY1@JVE&3\2+)."G32$@5:(R)]OKJ&C5$Z<TU
M(:.C4]DR&X/U:*O^T(F\K;.FJ<TU]8[JZV7&W5KL5[.6ZELDXZ;46E3A-MP,
M#\'`G.)A.J6965SH3U,J,IJ^2K>I$(AMI<(,VL*JUN6P_P"W-1=5:3G)FK2K
M+5JEM4UNYGJK*V1XXBY!S%+OHY4Y#-U4Q10]L-4C*Z+U=TUHQ>5MVE=9,&%T
M91>T_P!KL)"[73]$:K;3G*[=KA5H8TT_MD=0*C;;K3(MTLVBXWZ*/52,JV:`
M*BQ%1#;>99^F6@7G7/21:C/QM-BKW==D[@W=LUIKX7JM-;;$WEL^U;1LT;77
M<C'Q$A)P]=7LY(MJ[79LU7;=B14R"(G]H@F3J^PN,3TSZO0<)K2MQ&F:FP@]
M.[IL78G6<<@$F5&H;IMDC<I:P7Z-,,@94\G(R&P)=44EC*M$Q=`":)`10!(1
MJ9G;;0.GFC2ML4*+%D9U':ETW976QEY)5&-VEL4;^-UMQ"*OC@X=V'^Z5@!=
M%;W&@!)J`1(H%3`@59&-#Z0=8-:,QBZ9K5:,A$K'KZU1-<=7O9$[5JI+:JMB
MEYUVE0ZM8+A*U[7T'4[4I]6UBX-M'Q8"4B9FYDB$(43J9E*7530[7=#KL"PI
M3J)VG)2:$],RT)<[Y!UVQ6-K634QM:;1KN(L[+7%IMK>J"6/)*R,2YD2-4DB
M`L`(I>`C4Z4X&PV"!@#`&`,`8`P!@%HGY^!JL)*V6T3<16ZY`L'4K.3\_),X
M>$AHMBB9P]DI65D5F[&.8,T"&.JLLH1-,@")A``YP#"*CN;5VR*#(;-U7>JO
MMNE1Z,R;]=U5.1>PF3YY`('7DH:,7JKN31?SJ(D!/Z-,PN!5.4GCY&`!$T:=
M'F:N]:NU]_N]`MFQ.U6MX?J;!UY+44<U6V5,.Z:W?6B\ZDI>QKFP^NO:%?:F
MCZ;9+N6KD6(8?J)B'D$_0R7@42TJTCB;!4SLOUSV-.URKZ^WWIF\V:X5UU;Z
MI7:CLZEV.=LM58N%VCVQP43$33Q_*PC-TU525<H)G13424*8P"0P`(HUFC(*
M3NS3>RC7(FNML:UOI]=22L/L`M,O-9LXT>60*Y.M&VT(63>_MU\B5DOY)._9
M.7V5`$.4S\!1K,@V@]^NG6Q-4O\`=L3V+U!$ZQC-@676$A;+5L:E5V)9W*M6
M.?KHQ3I](3Y&;=6PDKJTG$%.H4\E#*(OD2BW4*?!.F5:4Q)CM/8'0]&>T.-N
MFZM35&0VG]+_`&S8V;8E1@G>P@?"S*R/26\G+ME;2F\/(MB)&9`N50[E$I1$
MRJ8&$49`,UO[L(7ME&:5KF@'CG3!K+4H6:W7+-[.VCVS!34.SMD7V98+HQ@P
M3AG%6)M2*Y'&%QXNI.:DB&$#1XD$31::MXD^VKL%H6C6QA0KKNS4E0O,HL5O
M'4RS[&I\#:WRYXU29(DUKTI,-998YXE(SDH%1'E`/,/EX'!%'F6A7M%UI0UD
MENI;L'I-+3R\L>`0VFIM*D%UXO.IN5F1X1&Y#-A7E9@CMLHD+4K@5P43,7QY
M*(`%'6E,3"^Q/;G36A]-S.RGNT]0EF)?5UYOVEH.Q;(K$*VW&\K%-=6J+84I
MPI*`O:&4N/TA/>C"NOD=I"3R%1,#`DVZ&347LCJVSIZTJLOL36L+NS8FK:_L
MUGID;S`!?E8V6K2-@>.HJH.7Z5I?PS,OO\.0:>)DFZAQ'@A_$*/V$`J=V/T;
MKWTDWS<XVE4Z&[.36L6>PW]AM(0M5UC#7C25[VM*S"-AE@:-5$(=_44F9#O3
M()G27,8P@<"E&"=.+7(V*F^TG6>M4RF[&L78;2,#K_8JADJ!>)G:E&C*E=U4
MU`26)4[$]G$8FPF;J#PK](LK[0@/GX\#DD4>5,3+C;DU$78['3IMI:[#;4G!
MGLT=K`;I7/[@OJX1(ZYIYI3?U+]PN(?V$SJ`Y(W%$4R&,!O$IA`*.E>!22V]
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M:52=G%*^K9:LYE6Z8&DX?Z1W[1CK-Q$P"7S#C`2\23P,DH_9O0=YH-BV%#[M
MTY)UO7[%LKM.?A=FTV4K>M7YHY.0?,KI.M9E6.K`LTS&$WUZB`@0HF'T`<!I
MITH5<GV;ZWPM%J.T)C?^EHG6U_?I1=%O\GM"DL*9<I-=9=!..JUF=3:4-//A
M6:JE%%JLJH445.0#P/P%'6E'4NK[?VBHS8,7J:2W1JB/VG-OE(R'UL]V'4FU
M\E)-&,:32D='U%:7)/NWY89^@[]DC<R@M52*@7VS`80HZ5I@72\;CU'K&6I\
M#LC:.N]?SFPY;]!H4/=;I7*M*76;]QJC^D51A.23%U8)(5WR"?L-"JJ>ZND3
MCR4(!@HWD6R/W[HN6V&&HHK<^J9/:PEFC?VTC]A5)[?N*VX<-+"`U!M+JSX&
M@G319-X`M^6QT5`4`HD-P%'2O`H(;LCUXL2M]0@-\:;FUM5N`:[-2B=G4J0/
MKQP9XI'`C=RM9M4:L<9)%1MP^]C_`*E,Z7_K"&*`49D5RW#J374;:YB_[0U[
M2(JB-(-_=I&V7.NUYG4&5G<.&=9=69Q+2+1.#0L;QHJC'F<BD#U5,Q$?,Q1`
M`HWD:P7#OCHZG;AUG6Y3;>C6&DK[J';U\7W;*;9J3&J-+=KF\:.JT536-B6E
MB55VXF6.V5W2I/J_J4P:)B4@IF.8HG2Z5QK4EK?/;'0'6B)UK.[FV75J7#;:
MO==U[1Y26G85C'RDO90]QM)?6R,DR:DK4:T$KA](`<R#1N<ISCP8O(A1;R,[
MB]X:7G-CRVG87;FLY?;<`P+*3FKXR]U=]L*'C3(M7'UTG36LHK8F+0K=^W4,
M=5N4I4W"1A$"JIB8*.E>!P3F^='5BZ/M<67<FK*]L&,J<E?).CSFP*I%6V-H
M\.S6D9:X2%=?RR$LRK$9'-E7"[]5(K5)!(ZAC@0AC`%&7BP[9U7447+BV;+U
M_6&[*(AK`\7L-RKD*BT@;$_<Q5?FW*LE)-B(1$[*,EFS-R801=.$CIIF,<I@
M`*-Y&%6#L%K?^S+W<>N[]J:^PDG!61?6DL;;-1@=>[$MD-$SKUA5F>S??EJ\
MP*]?U]P@Z=$*[&/3;N%E$3`W4*`4QHS+J]M.E3%6@+(\M]$:!,2\?3EOTZ\0
M$W#([&<NRQ#O7\=8&[A!E,V-I8P4CR-DRD=+.$_`$2G'P`*,_-<[CU'N%O/.
M]2[1UYL]K5IE6NV9QKVZ5RY(5Z?0*"BT+-JUV1D214JFF(&%!<2*^(@/CQZX
M#369J]L_MIM!EMK9&HNN?6J0[$3&CJQ5[%NB27VE7=41\)*W:-<V&J:RH1Y^
M"G2WS:DI46H2JC)P>$AV35]'@XE$CO`*F)452K=*DY:K[*Z7V_J6O;IK%X@X
M^ESNKJSN)Z-IE(NNS%,H=J92CMA+W^,?/P/3TFRU?DVK@[PQ$$G<6\2]PPME
M?$0TTZ&<PNU=7V2XS6O*[L>B3]^K319_8Z1"VZ`E;=7V3=^6*7=SE<82"\Q$
M-DI,WTQCN$4R@ORGSY`(8(H\^!KGK#MG,;5V?VYU;#Z)O\'-]8T*BK64K;)0
M%<D-Y!<(R]FBWU8C))=$*A`2EBH#MC&O9E=`'[91)_[:+11(Z@R<:).N9$BO
M?VRT6/W3`;TZYSE)W=JQAH5_5M1ZZV17-LDW"MV?M]CUKI.OTJYN(G7[*/L\
MSLVHR,1*H2C-FUB4F_UXN5V`BN43IK2CP-R-.6O;]IJ[Z2W?J:O::M+:650;
M5VM[21VS%/(,(Z.=H3`V8E,H9VKKZQRX;+-#L.$SM1.195-0AL&+IP+N\W#J
M2/@(NUO]I:Z8U>;J<M?86R.[M6FT!+T6`:1\A.W2,F5I,D<_J<*QEFBSN224
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MG;Z%IK8[7L!J*&KF_P".8OM3A9]CTJ`DK@Z>%9)N*_$,7TZ0[^SPLF_2CY!@
MW%9=E)&^E4`%A`@B-,LJ$FI;STFOL1#4*&X-7+[8=?JH-M8HW^J*[!7&":$D
M)HJ5-)+&L1SQ+!0%W)0;\HH_U#@!`$<"CI7@4%OVPTC&]$>4MQ0;@PM.WV6J
MYEZ]V=`5EM#KI/;!$VE.#65;RJ5PO=9G*^JR-64#(/U7":Y!.D=LH7`H7S7N
MX=2[;_<G]J]GZ^V4%-FU:U;1H5RKUO"L6%$HG6@Y\8"1D`B)9,H")FZ_MJAP
M/R^@\`TUF8I&]G.MTS$6FP1'8'2<G`T:PI5*ZS;':E&=1%1M+@RI&]<LLDC.
MG90<XX.@<$VKDZ2YQ(8"E$2CP%&9-1-SZ?VDTAWVM-J:YV$SL,+)6.!<TF[5
MNT(S-?A9@E>F9N+/"23TKZ*A[`J5@[<)>239Z8$%#%5'PP*-9D7(]K-20T/?
M+QLK9VBM?:G@;O!56C[.>;UHCVM75E/Z\J5X8O9%ZJO&1E2G79[`X*UB3NGB
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M"PU!?8$"]@;C7I=I-T-LX;M'-VB7$?(N$I&I-G;M))221$[,BBI"F4`Q@`0H
MR+=>]N^NNU-TWSK]0-K4RT[0UW4Z1=IR`AK+`21WE;OS)])0\C`?02CE>;09
MQS9NN^.BF*;-&28F.;AVCY`XM*KR-<&O=Z5G^S?7[K4RE>N=0M^P(/?U_P!@
MP+[;T?L:PJTW4NT&.MZ;6=;$K#FN$<["V#'NW<ZZ3>(+)PJ<%)L!0=K-5W*`
MRT^%O$WL+LK7)X^,EB7ZE&BIJ9L-=AY(MI@S,):P5).Q+6N"C7@/A;OIBL(U
M"6/(M4C&79%BW8K%(#9;P&%&8K2.P>A-EPK:R:ZW;J2^5YY:DJ*SG*=L:H66
M(=W9PB+IM4&TC#3#QFXLSMI_618D.+I5$04(0Q!`PB:-<#,%=@T%%J^>K7>H
M),HNV,:%)NU;+#$:QUYDY&,B(VF/G!GH)-+7(2TTS:H1R@E>+.7:*1$Q.JF4
MPBC*5;9^M&YK:1QL.C('H$Q#5Z]D6ML`F:E3]C;Q#RO0=M*>0`:Y,3S2PL%6
M35Y[*[I-\W,D4P+)B8*,T2+WCNH62HP+S7E#05L2O2-)^:M[()L"$8J=J]H;
MQH-B"#ND'%,82VLJ@RU.V<L'C=)))ZJ\5(<I`2*)H,]*^\W,N6_=%ZZLD-3=
M@;GU31K?8I")BH&K6_852K=BF9.>.NE!1\9"S$NSDGSR:6;*)M$TTS&<J%$B
M8&-Z9)C1O(^_[\:/'9+W3?\`>/5O]W(Z-6F9#5_[_JO]PF,2V8$E7,B\IWZK
M^X6S)O%J%=**';E*1L8%1$$Q`PA1Y\#`[-V]ZQU^HK6XW8G0PQKB7D:E`/W.
MWJ$A$3M\95YC9B4IA*#/@T=V,T/+LG1V:1SN2-7B*HD`BA!,&E\F8WI7M]JN
M]ZTZO2^Q]A:JUIN#LMIO5^SZYJ"4V!`,+/*/M@U2+G%8NFP,V_862RLVTF\6
M:-U$FQCKF0$./,#%`'%U=,D2["[\T79+^OJFN[GU5/[0:MI=XYUU"["J4I>6
M[6`D5XB><+U1C++SJ24)*ME&SP3(!],N0R:GB8!#`HZ5X$M8(&`,`8`P!@#`
M&`:M]TIW9%;ZS;/EM44M&_7)-O6&98!2B'VDLWJ\K=:W%;`M4;J])RT6V5-T
M.@O9.<85],_N3+V.2:$*<RP)F&4:5Q-7/MR0EP:WCNI;)X=R2];V'N/65GI%
M_P!T:98Z&F]EQS3K]K6KRUKB=>QM&UPBQB49FOJQQ%G4.TE%RL2F<@<OLJG$
MRX$Y=ZM<N-HZXT]624E78$>W[?\`4&SV&!+!#8FB59J/8*AV.=G)>.%NY1"$
MKT?&G>.UEB>P@@B8Z@@0!P1%T?L9UXV#K/L((^WDUOJJ4I=[LGW2.RE\@;?'
M5%W!+QL-?.J6Z:#7]KNYF/8)NFM0>V"=9-32P"+<YU2%\C&,`#!E5?89G]KC
M3BM=G*[:[-/;O9;!USU-UQUUM>K+_P!34NN].HJ-?FDI5*L(75A3X:N;HFJA
M-,))-D_BY298%CY15VFL)9`%%2(G]E2+M1($T]?=,W3:NB-Q2='T9L;[GFN[
MPTA>NNS;LO1=C[^[,LMIZ6V3"UBM4F8E+]3K]I-C(0[2SUMM+1\<:;3CW*[;
MZQ<A!D\4TJ8T()IFG[IJ/1W8K7VX.K6VK7/=HNE49K;JW2X+44YL8M`;R%X[
M/RM0ZP6JPUR,G*]HZ4UPCM2LR"Z\R\BH1FF4ZB;PQH=0$9#=6J/)GI$UQ$6&
MOZ\H<#;I/]:M<)3*O$6>9]PZWZM88V#8LIJ3]U0`45^ODD55?(P`8WGR/K@U
M/,Z9^UO7"<V#<_N(2RFCI"ZJ[$LWVQXVLR"U"//FNE7USMRM3EU8PKA6/<_K
M4+2D5WKN231$Z3,IE5%@*'(Y!L3R]IP3U'FM1=V;1OF\:9V!,]>:OVNVX_*2
MEZBM>P"P-BV=T7Z=5.G[PAJ!1Z[/62QP"<Y0[E4WDQ$1SX\?*32I5Q334=*I
MR,'&E<:?$U6B=5675NI^U#'9W4;<EMC>TW3G<=-ZJ:L@-'S6P']`CK'V`[E[
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MMOU^8?S)IB1C4(>=<(B4\DR!L<7`R5,^.'$DSI[$[!TUN?KK6J%5=P/'VWM7
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M*C[,>/8=B&P-47@=(_>JJ\%K:Q'':ZFS5]5UJ)KKEH79+JP]`M+U)8U(9MFR
M24XXL%[C7D:HLV`XK2J*Q#F%4I^!BGC%_P`9FB._]<WC=LM7=E=>=);IT_K/
M2.L>F56W/77'6J696>9>:N[`)WHE2I^D+G7H]IO)SU@AFRTNJE%M96+<E>`W
MB%GSKA#(,DZ8/-UX_P`9F/6+KS/P=MKFS";*[(3NA]OTON)!VN]'^W@]M\U$
M;*W=<-6NKI"CUA<ZK5M6O*;N>$J#@[6>1KH(RLDBX*\7*610%Q).KAA7O-G:
M]U;GZ;K7L''1>M;K:+*W[J_;!=4Z_P!FHBA=FWK7FCJC]OFOO+^[>DC22!RU
M-C5;$:670$J$8X0E2'%/Q<A@Q;R[G\3Z[\:,M-V[1[6"\6/<E5TSV#ZC:ZT7
M7+/J7J4W[1.`FH>_[?>WZC?JK.HW:PZ4M+T;Q7IN(E!;,HU^Y8`X4=E<PK<"
MP(O#A5/F<W_ESV*E47"M6UI/5S9,Q]VW?VQD+P6FNVL^UKUEA=TTNM;FE)1O
M'E?_`+7<PLI'I!*<_3*,%4TBF%(Q2C(U*O9I-8[GJ:Z;5Z[Z>UUIWJ]MZDWK
MK+]N[;&J-[PTQIRQT526NYB:#.PTG2YZ;B(B'WG8)^YZUE;&Q=P#J6C7`M4G
M/U95Y5$%H)KC5O-DZW.>E-C=M)'M270'8"8ZWZ_W;U'LMA<6#KWLQC8K97Z[
MU_[ET8NQJIJ.<JS;:%IB=-;=VQ7G$@@E!GDF0H&DT&YT6Z*YY&4=-57'X%'T
MBUM`;%[#O]@,-"R,-K6(N'W=64;'7'6HQ:%(L.RNP_5U1I&RD#*QWA2K-LF#
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MQK'O.]N^VH0:WL"NQDC(,]5UQPDZG'"C48TB)CJ)*KH)*J`%:+/G]Q<]Y]==
MM/-I=N=,P&KKN[TA4=;]KNY&HIB+K[A_4[7NGLKUP?:0C]1U06R!D7UUAKY+
M[*L2\>@4RZ/[EC%`*!EB"()JB?'(L=^ZQ]B+;:]G=>Z1KZRP5-GM,WKNA0+V
MLQ=0508]G;ST]6ZGP.IS65;VFD+>8W;#J0OZZ0F(HT7<)O!\3>(@)35*OG3[
M:DT]!XF,UQ;F&Q'INT%@L]OUUUXZK3&O9CI$ZZ\5;3Z5.:[1L];0L9H:G5RO
MV&.UT"LC$/[`P>2T-&I/H]%)P9-Z@8XB6.&'/,F)794MT\[-=QIJ\Z<WO?J;
MV,FM8;IT]8M):@O>Y`LELKNDZ3I6UZ9EOV/#RZ5%N#=[JQC(QJ\^>+A'C*:Y
M*^*+1V"0BFI*E,#KH?ZRW#UKZQ[\TM<]&;ENFU^P/VRZ%0:?`Z=UE9]H5]QN
MUQ<NX]QV3JIY<JE'R%3J[G7CG?L84J\N[8-))B111@HY4(*.#+!NJ:HG_([@
M>F.M5Z3/=Q+'+412J3>QNXFSK6E-2%>&(E;G65*OKV+KTZ5^NV1=3,*+>+,@
MU6\CH\(&*0?0V#"3K3N,/AG%GU#VA^XGO&6UKLJRU)KH_K#.U9G2Z?)V">V:
M^UU5=[OK%4M9QZ":9;=;DEGS1J5DW4$X.GJ!#B3W`'`S27:=:-JU]+=D=!VS
M;]VU]V%L6\K!VGZJ=DNU&NXO1W8;6,M&=?M=VTL$AULT:]N-'UY+[/::AU6_
ME5)-.O'4DK)*NIEVW224F&;8!G6CHJ4H;C].-/WY^KO=UH>S;FZE]5%>P<'9
MNO\`KR=U?%Q$E/5)+5E!8[40B-<]@:5-V_5&IK9M1C)NXID@SA'0N%7KUNDD
MV=MQ,(DUA6C=#KSN?7K<%F1[-:ZJ]1MHU;H!NC3VK]9Q]7J,5M*4L&DMA=IJ
M9WFV(G2=;3'U$=L-UKW2#C7,42MK)G/+C5UF::*RBJ*2L&55@WQ_E3^9,*43
M=*,Q12K,[V*LVJ.P-Q[)[/NNXXO[=Z:VU7FYI6KZ3U_$:5J.D;AI]W$:CUWN
M"*AIB7?66:K01U@FFJX.)!J"QEEQ'?2JIQ-H?M<Z7M>OY.W6;86J)ZD6ASU4
M^W91F\U<:F:(L!W-!ZR,H>Z4\DJX:D.JM3[:HNVDFB"@IMGXG*8`,.#&;KES
M9&:'7BSQ6H])+1.E9AA<O_.E]SF\7!=E1G"%D_1-J4[[A$=6[/87"3`LB,3L
M`;!5T&3A<WLR`.HLB8F`6P`)KB^5%\"/=8TC8E#F:OJ[5-*VS.2>_>ME5@NV
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M2SY&<GZ_LRU[NNCT8I,SUFV>WZX/UC.0$IB+O"`!O<,7D8UQ;[#$^JU?V]*=
M;.U_6#4I-A*:GHN@X_5O3?<&W=)6?K+M,)><UG>ZTTUC;8RQUNBOKBMHQ9A7
MR$NZ$'$A(*22J*P.7S%V\7$NE5)YUQ-.]3=9W-RJVGG\C$;SN]AJ-D^W%J?9
M6E-B=,0T12]<4W3/8B-O1H]PX8TB*JVV5=3.6\D*\G'OIB(81+H7!7!D7A5%
M();Q>7'B2[O?3F_J%8]_[:T+JJ]GO-E[;;NT56V=3J[IN`:N[C=6^MM/-NAJ
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M5/R=+N9=:W2`/9XR)>J-'+\S)8R;:1=F*":I[OB;<;"UG#:1TM]J6/5U[NC?
M6KNMFS:H_L+UUIR=LFR*93X?J5O"F5+95XU1`U]>?AGM)GK#$IN(]M&FD8UP
M8I$6PKH@0(,4ZM\V:Q:[C;GI6YV;=$KH7?2>MM[:X^XG#Z2HU0TA>YVVU]SM
MGL;3MD:NHUGH\#`KR.HG.VV#24L4<2Q)1#!B9ZJA(+,G)#(@,G1JE554-IOM
MYU2QZPVL%>O^M;S39VZ]!/M^)P<A*Z[LR,&66U)KZ_5?:52F+NVA5:O7[M4I
MJ>CD7<-(/FTFJ18BB**J29S)R8RQ55S9P=.M1WVL;^TK8;/K6RP+"'U)]RN.
MD9N:JSQ@WC)2]_<*IMTH;)W(.FB8-'MNI*;F4BR&.!W<:"BZ0&2\C8_J)-4]
MWW&G_8GKWMF_[B[R]=:-19>UTS3]`V-VNUM!M'K-%&]6+O([J[&Y:OA$E5T&
MZ-@E6VJ]V1_MKG0252OK<#'*0Z@X,DTDGSP]W\(D[90.+UOI3MCJG06[*_H/
M7=LZ$(7ANKUXV+1KO9Y35=X[#*7BXUW2DC4HK:%M8:4I6U86/D'S*%746;_4
M-V0.DXHX$$+!:72N).5%U?<M^]1_N!1Z6O=B:[L6T^RFZMJZ-CMC5"7HMKD)
MFKM==V_1M]2KT\U9S#!C+7FCQT@T!PDB[2(4$UTT7*:J2<$-TDNXUKU'I?=M
MGV_I2VSVD-A4VM_<%OE>[9=G$;!6'Z*VGK'UCW'=-X:@HFW".$`"N6>Q4BPT
M*HIM'8`HL-151XX0$"R9-JG<?F@M'[GAJ;UG:R^I]AQ;J`JWVF4)UN_J,TT6
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MKLBK2K!NYHHS;.I2:191:SNNK)23U`P)^Y(K6M'^(ABFZCOM5ZH[5Z[VWK5M
MQUV'['Z+Z(1W7N=0U1:IJ)JKZB=9-"ZXBX6U[18P[NMZ7D>J>[J3/V611GI"
M)59E=?7,"N7+H2#`KXJUP5?X]IO?K[0T[6UNN\\RU+)1-E;?=H[G;7ND^UIB
M\=-%I=\5[OQ<?L6P/B,DGR-7N4+.5]!!ZN8&SIJZCTRF,0R`8,:Y_P"*^!W&
MY)@,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8!%^V]516X*NC5Y6V;+I0-)AE.,K#J?8MJUE:VCYBDZ;II_KM3D8]P^BW"#U
M0J[%V#ABOR4RB1CIIF*)3H?>H-0431=#C==:[CGS&OQ[Z=F7#F9G)JTV2P62
MU3<A9[;;+9:K(^E+#:+5:K)+.G\@_>N5G#ERN<QC<<``-MNK)-P0,`8`P!@#
M`&`,`8`P!@#`&`1-I_2U*TC"V2'IPV)ZM<[O8-BW&Q7"SS5QM5IN%C!FW>2T
MU8)]V\?N?HX>*8QK)$IB-V49'MFJ)")(D*`ENI+."!@#`&`,`B7<NE:1OFKQ
MM)V($^[J3*V5NW2-?AK),5V.M:M6?!*1U=N2<,Z:*62ENI%-)9[$N#&9/Q0(
M1<BB8&(82G3(EK!`P!@#`&`,`8`P!@#`&`1-KO2U)UE:=J7:`"??VW<MK0ME
MYL%GLDQ9I!PI',0C*_7(=27=.$Z]2ZI'BHE%Q+,J+)G[ZQRD]Q94YQ+;>!+.
M"!@#`&`8##ZTJ,%L:\[6C6+A&Z[%KM#JMKD#OWBS9["ZU<7-U4FZ$<JL9BQ4
M8K7Z3%11$A#K@L4%!,"9/$37"AGV"!@#`&`,`8`P!@#`&`,`8!JEWCW#LOK_
M`-2]];GU#68*UW_7&N+):H.-LLL2(A&YXF/6=.)E^<[=<9)&$;IF=?0%%$[_
M`-KV"K)&4!0HF*3:3R-"J[V\W5J/L!VQG-C:-L4AKN*V;U!BMGO6NXHF9A]%
M.-OZNU12DX?7<,^BFQMBDB+5/)2T_P#2)0*8,WOU#<'KP3ML&6E-*F>)L9JG
M[AM:VCORO:H;Z^_2J'LFY;MUQIS:!-D4N;EKK=NOZMA+>6]@U5&JC:J%6IQM
M2;`ZKDDY5<C)M(@RCE!A]4R*X$.+2J<.U^_4WJ_8^\H;_P`NULG]/=8[1JF$
MWKNE*[5J-0@8C:]6I=I2LE,HRS5S-79OKZ.N2;JRH&<1JC2.2]]F+]<_TA04
M<,\69J[[PU]K1:A=QU[/*(V[>W:/13>.),Q8K,Y3K!#=EIB7L"KGV_:6C;>7
MK:[39I%#W6XRJ`J<@DIR&G&G84_5[N?/[]ME:JEXT-8-(N]E=?ZUV:U*$Q>*
MS='EDU=.2$/$R+>W,JZ@B2BWBO/K-%&7C06DVRC>0*9-X*J3A!$'&G&N)^(]
M:]K1/9.Y]BK3V"LLOKX7NS;+#:;A"S\/&1*4EJ/4.M*)'$76M+V$63IR%-MT
MP?\`]G%3=S5N!QXIF9$,J%52E,2(^E/9;=&SMDUG69]?OG>@FG2;J#NBJ[0V
M%MF*MVZW[G<<#LE<)39*#&M1Z=FL5A5II&;Q1`S8C5W&K/1%4DFB@U$R26/&
MK,VF?N*TZ!L^IJ=(:SM_Z_L3MOLGJG9FK:1B5D]8JT.V)4J+VE9%3>T9W3KK
M/VZDI,DT2@Y3_>K$3APFH(AIX]E37R\]HD]N[!D5J:ZVQ4?TS;W2ZOLT#7QL
M;7-CI,+]TFTZ`E;57JU$-6DC%S.RU*#)IR*R[I9"4K!V#91(`*IYB4J+'M^X
MES5W9-WH/[<TQV-N,3<MLN:#8-SO74`PETGESM)`[+WJIQ$)$R=E>D:G>I(.
MF[=FFY<)(%32(EYI)@`E&-*RH757OO>HZ6E]3376.79]H#;8HVKZ7IUCM:J2
MM4M*&P=97#<49=G^V4X=NUK=;K6O];V-:>*,.[=LWL4#=FE(`[9JK"=/&N!A
M]-[W;LV;V2Z^ZKJNAHNOUZ=/V4IG8^'M&QHC]UZSV=H:TZMA9MK7',?#.X^X
M5J+K]]:3<>X0%`]BCIUH821ZC5=$X:4DV9YO?M)_8'?%^1AZ7M[;=LD:]TMH
M<+K6.OM9B=>FF>PVX]]Z\JTW78B>;M$*S.-YBLF/:91=VJ1Q#HLA21`[$Y5A
M"55[S&H_[B=FE[;1=,L.OC1IV)L&S=S:VM6O;+O&HURDP+S1D?JVPV@]/V>[
MKRQMESUBI^YH&6@H5I"M9%TS_4#NR,21K@X"=/&N!-#;NI`N8Z'D$Z#.A^L=
MR-C=.T432\8!DI_7CK8[5Q=E%/;\1A)4^NE13;!_U"8.B>0_(;!&G[JFJ2OW
M6Y?^VVO+REU?E6$YL+2,IVI9T&U;QUA59N.ZS1T-5GL9;G$D^!:#=;/O<M./
M&M?J"*YC.$HI9=_(1GD"11.C'/C0W/VAVMCZW1-!6#4E)>[FN/::6@8S1-,3
MGX^C,9]I+Z\F]MR%HM=KEVLDG4JG6];UMY(/%R,I!V94$6J#59=<A<&*7/@8
M-IWO+%;4LH460U?8Z1?(.B]AIW8];DIZ$E@HUVZV[%H&N[A122<8`M;$VL!]
MA,I:&ET`30=Q"J*JB**JHHI"7&G<4_6+NU,=H[NW@ZGHFPUZC,M-Z0VQ:]D6
M"ZUOZ*'>;]U+6ML4NBP]=8MW$S8YR/83:S>5<?\`1LF@(HJIJ+BX]I()1TYY
MFM'7[<MOA>YW9F3VIJJ53F-E]T8?J5KJX([M>7"-K%.K73R%WW&5]MKQ5E'5
M^LP8IU5U-JK,D`>KRUM5;KJ*?1'55$M+2J<J_:958/N![9/N^MQ5,T;&R.DX
MB"[]EV1+2NPXJ,N*TMTNV]5-92DU6XS]%=I'CE4W"CE)D=4%GWZRCY*M_P!.
M6^I#2J=N'VDD[5^XG`ZQJE&LB6GKI<7=^Z_ZMWQ"UN`FZVWEUR[5W-I;3$)1
MT%9APPC#SB,UNEHX,Y5709&39J%,<GF!RB%'&G:8^E]Q\6&UH/7=MTPW@(AC
MM?4_73;EJ9[HH4R^U[V'V_!5.3A*;7:.9O%VC9-&KTUL&`A9>S-DV*:$G)F!
MNS=-V;YPW$Z<*DQ;?ZKW_:G8JC;A;[ZMM/H=/5TR#G5=><V./CIYIK6Z[!V/
M:$I%:.M#",76V':G5-;NSJLE>(6N.F)P52DE`2$)I*G$W:P8C`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`0GV3U`?L!U]W3H]*?"JK[8UE<Z`VLIH[]73@'=H@
M7L2TEUHGZM@,FA'N7)55&X+H&6(42`H01`P"4Z.IJ;-]+]EWZB]C6M^V91VN
MQ.R-PZUWNP2%-IDZWIM8G-$L]4-Y5G"Q4Y:I":>1=E4UH8S;WW8*M`=@!Q6]
ML1.,M237)'-UKZ1R?7+;4W*1#+K-+:O_`';MJZU*RIZ!")[21:^V+5.6Y:GS
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M`??_`*8@80W6O:S;>78C*1,I&E4!$9&.>L06$OF"0NVRK<%!(!BB<""ISQR'
M/'QP8FC?7/J?L3KS>M92,=L&EV6C0G3CKUUBV''/JA.,+9(V+K:WO*-3NU*E
MF]I6B(J%M`[%??J<:_9O%T?I&_L.OF5#!DVGWU([V[]O!_L?9O;79$1MO]KK
M[ZU)`PFJXPM5%XCI7>\:K17\ENH%23;0+-^JS>A]:O!CBD9'*K6%1%P87?*0
ME2HDN17P_P!OQ6!5UZ$;L5B1M2=;='J0[`]76]^=F>IG9B0[$VNTKJ%F_%!S
MM5[)KM_;X.+!TJ9<QW`#[>!J^)FTYTRDY?I/9.I1=@,4)">F;'*DO`UU=1FV
M+/;T?[B(@:!"8(LJ+9L]!@)OJR^1R^[P`#[>"*^*I8MM=,+_`&7>5@[)ZPVE
M5ZKM.-O.H;_K)I;J1(6:HM'-"U-M_3%VJMX;1MG@I:3@=@TO<3T$G#!=F[B7
M[5LX#ZDJ9D%`4L*/(LFNNDFTM;[&T_NAIMBB6#9S;:?8;8'8D\CK^=CJK=&/
M99?7![+&ZJCF=V<2='=:[B-0U^(@5)1U-E=,6ZRKT#.%?(HER35.!)>W>H4C
ML[>0[@0O;*';#-=-I;]!5@%WJWCU6VYN39K]#]0)+-B<W5#:B;-$WM?]"=D9
M0P+@J!""$Z*G?]I`F]?M_;,VC4^P&MH*^:/)3.R>]K=N"Q36P]06:W;"T^_F
M]<ZHH%5N>C9J*V16F-?VWKH]!?245++HC[,B\:*D]LK15)X)4DJ/D7%'HCNE
MILN"(RWK1R:#JO;RT=P(VL.M82[O;,Y9[]`7EC:*/9;X:]I5O]O1]EOSV58O
M6L*F^5X0;+_(BHHY#4J98TH8_8?MN3;*$ZO2=-D^NE\V#H;JY5NJ=H:]E]#*
M[8UI<:O6&U;<1-XK<"UM\#/T>WP<]#O5")IOG+:182JK5R)5$6SE(%//.E3;
M7?77JWWN-T+9]26JE:_V_P!:[@%PUT\GJ2[E]82;>3UO:=4W"CSM/A+#`RL7
M59ZH7!R#,\>_(XB7C9HJ7WTTE$%A"=,\F:LL>A>^J:]8[#UUOS6K/=UZ:=FX
M_?5HM6GIV8IDB?M#<==W&3GM55&/V7%R%=D-3%U=$Q,&TF)*7;24<D8S\WU`
MBH(G4LFL#8/IKU'?]5(N:C7U[;WC]4UGUEU\1PC`G@U$U.OFBZQIUW++%-)R
M!%`M3BO#($2*!/I"J^T)E!+YB(E+48)>>FVRE)^Y[(U;M"F0^R5^YT5VZH25
MXH\Q/TEN*?5^#ZO3VOKDRA+9`SCYO)5M.3D6\DQ<M5&KU5L`H+)I*E6#4LGE
M2A'59^W_`+:@4:`I+;MI%MEC6#O0UW9(K:TEZZG:J+WKV3#[0N7]N6,?>'Y*
M5;Z)+5UJRBE'YYADNR45%PF*P%.(G4ON^PPEK]N+?]G1J*.V>Q&M)A#7&FM%
M:*I#.D:>GJTW4KNC.R.DMYI76R*2^R;$NZN%_B=0$C'S5L+>-CE5$E6Q5`*L
M54-:X+B3:WZ.3%4[0W[==';=9):I[8V5$[BLJVUNOI;EO&@WV,I5;J+W^U.U
M&=LA@90DVXIL=)))R#-PM#/CO3-S*D<))M1&KPTQ-]:"QND91Z?';'GX2U[!
M8UF#:7>SUJ!7JU>L-L;QK9*P34'6G4K.N8")DY0BJS=FH]=G;)'*F*R@E\Q&
M+IPR,MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`4[AVU9D*H[
M<MVJ9C"0IW"R:!#'!,ZHE*94Q2B8$DC&X^/B41^`#@'$SDHZ1%V$>_9/ACWJ
MT:_!FZ0="RD6Y4S.&#L$%#_3/4"JE$Z1_$Y0,'(!R&`<P.FHK?3`Y0%Q\W]`
M%DQ6^4I3&_I>7G\I3`(^GH`A@'/@'&HJDD!15433`ZA$B"H<I`.JH8"IIE$P
MAY**&'@H!ZB/PP#\!9$5C-P52%P1)-8Z`*%%8B*IE")*F2Y\RI*'1.!3"'`B
M00#X#@'XBX;N04%NNBN"2RC=4452*@DNB;Q604$AC>"R1O0Q1X,4?B&`<V`,
M`^!53!0B(J$!50BBB:0G*"ATTA3*J<A!'R,1,RI`,(!P`F#GXA@'W@'#]0W$
MHF!='Q!;Z<3>Z3Q!Q[GL^P(^7'O>]\GC_-Y>G'.`?2BJ2(%%55-(#J)I$%0Y
M2`=54P$22*)A#R44.(`4H>HB/`8!R8`P!@'`1TU43*JFY042.J=`BA%DS)G7
M35.@=$IRF$IE2+)F()0]0,40^(#@'/@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`U?[E:DVOO?KIL'4&G+U`ZZM-_;Q=>E;'8$;$9LM0WDNR_N%6F<A5)&+
ML%=DKE3BO(E*5:*"YC/K1<HA[R:8E$Q:3JRAZ*:KV3HWIKUBTSM\E:3V5JK2
M>OM?6Y*GR$E+5U&2J5=9094(^5EQ%_)B@T9)D6<&X*NX`YR`5,Q0`3)IR;65
M3:[!B,`8!U?=@^J6[M@[#[(R='D(UG3.S.O*_IV_-U[8^BGHT>J:[LKV,D85
MLW;*D8S<C;W[VKNA*H@<8>T*/O<,>.21.,U))+FBWQFG.\$Y9;!'SENDZ%0P
M:MT8QG3-F+-S&DJW0]TP-:<P+]=W.RS&&E)I]2I"3;D0@VQW[5=(6*K9%19^
M%8^TO%VU7W'OB*L))EC3C4T=D2T#8Y2U5ES$V&VVA2[JT1]&024.NO'MJ7`V
M-O$K%D$2)F$J@$271*590*Q+EJCK]V1UON"GE0O-@9::1L^U+I.QS><:VO\`
M4YNZ;=WC:Y9O>%9^S1#]XWM54M53%BX;QTRXBWL8X(061#JJN@;37:<H=7MS
MPLBJ[J%H1KG[[WMM*Y;&D:W^S:O:&E"MO86,M$<UBKE$5)&UR\D\U.M)(G5>
MO%WK%1S]*W63*5(4PJC'DM4=YY&[5R'DKK*Q%`CF$+5;%8HC8QC35DIS39-%
MEE)4SEPZ<*,MD_LAE-1[IXTAF*RK8Z2@R3ETY.5F%8E]+K/N!'!(H*O9*ZV"
M$D*B]UY-6'9L>G0#T^KOFAUJC=H,C`LVYV-,/&*CIQ9R,GCD[-T0B;ILNB8B
M@BL3FU=HSLX\UWO5EL.SC%;`V!J>:U[KZSR5D<O)Z`*>Q;5E*PA.2L3-VZ68
M!#HW5``<HS$L\;)CPFY4.B0<$U7#F<TWK3>9(JB--(ZF3ZZ1,<E/M'=(IESU
M]7X:,V.>0UR-9VC<S54CAILK6[&O1<TQ=1:J82C_`,D168>:B2[`15<<2)'F
MM>]`6)]5Z9>=CIV2(UI0Y!S?[=L)@ZUL6X6"$W4KLJ!:P;N`6_6Y=],/*ZE$
MNV[5RS@`;(*>")$5D),36/$SQUJKN'^W+M)1LY>B?7-XJOZVH<YN']1L],JL
MO=9%];IBP6&$GJPA<]CQ<:U:FBUG-D^G;1CH6HN5U4#E<!6-3'8G1_<.&,XD
MGDQ;)AY*R,#8=F_IVVHY&?N"<E1NL$=<JUJ6>DP0-K)0+/0K68Z;<\&Q704(
M"*J1W*2[4*Q)RT+K'M/6;96+/MS8<I8R+_JL3:X->WMY:OM:N36&N$*J1G#M
MH.)8+VYAL.*F!D95))%9\9PNK_\`&RR""`AN/`UAL'5G<5LB+W-&T+3JW+WV
MV;143UDRMM/CJ-1IJS:_:4+4>Z*\O"'7;2%LH!8Q62FY0[5I8%)&:75CDS@R
M:)B)U(E[<O6"ZS6ONU=3KM/9V:1WKL:"L]2DR.M?O5(>;_L;2:3+7V:1VC&S
MD?!D5M%>=-ESQ2*LTS8+^]&^VL4G@":PKP,YWGI3?]XN&G;)1I&BL&?7R*K5
MPK3":D;@L[M^S/U9HQN$>TDF\ZU_2F3S5D5)5E%],(ROFC<7BQT@5;%4,(37
M'B8`OHKN`,.BS0V]=OJOV1(V1PY4V8F#Q3=9JCLEM&,_J4X0I4J`A9W%96&+
M2`D8;Z505$%$SN2.!-8EKV;5?N!34;;H6G@1BL0).,KMI3V+&LW2\L%MW/9*
MQ<(6,C)"M_30*$;)T^+D6\LLN8K5!R`14B#<@.X'AS.?=G4?:6T-2ZOIS8U>
M0F*9=NP=XF6ZBT,NSDE;LILF0J<0Q>RL)(GKCNP+69NV&<C2-YFMG7%XQ6*N
M@7RD*23(TLE$[\(SAV#VT[,EWURN>V%H]I2K;7ZM4ZT=."OCO5]L5M;B6L3M
M.G1+J:K[=_`*LX9-=6(,=)A)"9T#\*Q)@J&F>WLU;6;/8^Q[E%U0D[(N]AR<
M!LQ)DC?))-#;*M<D];L89D$WK77R))6MH/H8JS-RLLU+R"H-G#N2"L>!N%UW
MK%FI6B-0TZZ)S)+=5-=U2MV8;!9?WC+KSL)#M8V4>.[0+Q^I.?7/&QUDW!U1
M5.DH7S`A_(A1B\R9<$#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
;,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>28
<FILENAME>g655598gr7.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr7.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`,0``0`"`@,!`0$`````
M```````&!P4(`P0)`@$*`0$!`0`#`0$``````````````0(#!`4&!Q```04!
M``(!!`("`0,"`@$5!0(#!`8'`0`($Q$2%`D5%B$7(C$C)#(805$S)0IQ-&&!
M0B;P4G)4-2<W=[>X&3EY$0`"`0,#`@4"!`$&"0H%!0$``0(1`P0A$@4Q05%A
M(A,&<8'PD3(4%:&Q0E(C!]'A\7(SL[1U%L%B@K)3)#1T)35C<X,F-L*C1%2D
M1O_:``P#`0`"$0,1`#\`_OX\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@%=7.YN"7&P@5'Y9^7]B$I0CY>0_F_PUWK?^>.2G?K]
M4([_`(YS_DK_`!].=YK=O=ZI?I,RE31=3.5$25$"^MF"+T^;)>7+=2XOYDQ%
MO?\`)QAMY7U6[_S[WJN_7[?N[W[><Y_UQ<E&4O2J(L4TM>I*?,%,%8;!!K@Y
MR?,[]ROK\<6,CO..RY'>=ZEIOZ_7Z<Y]/JI7?\)3SZ__`"YW4(.;HB-T52'4
MKEF,3G[27EN1H,ME3$(4CG_CNL?=WK;J6E_7XFFN_P#H7_\`2.][WO>_;]/K
MR7-D5LCU7<D:MU?0L[SA-#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`PUA+H!!IY
M1?.*[&9[UE'?^CDASO&H[??^G?HIY?/K]/\`/T^OFH1W242-T52LLQ%*GOD+
M61[V1+=DNQXSKG^5?*OG%S9//K_T4KY.-I^G_IYQ7.?X\YKTJ)6UT,Q7=ES>
M=<V8`':ZM9GCD:MV4!8)%8,R*Y96`9@<6>KUAAMLO2P)QJ!)D+$F8K4AM3D6
M1QM]"5IZI/.=Y]>2Y9O65%W82BIQW1JFMT7T:KU3\5H<<+MJXY*W*,G%T=&G
M1KJG3H_)ZFOQ^YU(WIE<KUFMM:!)-D90JHA3=A$B"5K>&_&Y-@UH=/F1IIXA
M)<<;ZXW$0\ZVRM/5<YSG.^=NW8O^Q*Y:A.2@JR:BVHI]')I42^M#CG>M1N1A
M<G&,I.D4VDY?1/5]5T\C9A]^(/B/29+T>%!A1W'WWWW&XT2)$C-]<=>>=<ZA
MF/'CLHZI2E=XE">?7OTYSSHI.3HJN39SMJ*J]$CH`+`!M8498ZN;$62O&HC1
M`.>`$H9@*6@/I^YB:,*#GI$&?$>3_E#C3BT*Y_T[YJY;N6;CM7HRC=BZ----
M/P:>J9(3A<BIVVI0?1IU3^C1E_,&AX`\`>`/`'@#P"MK;L.7T.\9?FMQNX"N
MWW:B5F$9352<OX#%\)TVOO6NTPJ]&^U7YCX.N,+F2.?7GV,)[WSM6<'+R,>]
MEV+<I8UA1=R2Z04GMC7ZO1'7NY6/9O6\>[-1O7:[%WEM573Z)JOU+)\ZIV!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`*AQG>,H]@@5ILF0VQJWA:5I%\R.
MS36AAH5P7H>9G7ZU=ZZIDX.&2)+@,U&6RI]E#D5[O/N9<<1WBO.[G<=F<;<A
M:S8;)W+4+D55.L)JL9:-]5V>J[HZN+F8V;&4\:6Z,)N#T:I*/5:I?GT?8M[S
MI':'@#P!X`\`TSL'OSZT@/9N'Z@MV.Y6C<^R*O$LH*AY5IEZK>;R;M"<)4]G
M5;_5:J5HV;.V,>UV1&27(15=84AQ?$H<0I7NV_CG*W.)?-.$(<?23BYW(0E/
M9I+VX2DI3VO1[4]=.IY,^;XZ/(?PM2E+,6W<HQE)0W_IW-)J->NKT6KHM3<S
MSPCUAX`\`JC<=OR_UNR>Z[AM%I:I679V+;-7&TO#3!AH,-=GQ!C<E8VOCRIF
M7Q4Z>TC[8\=U?_/Z_3Z<[WG<X_C\OE<RWQ^!#W,NZZ1C5*KHWUDTEHGU9U<W
M,QN/Q9YF7+9C059.C=*M+HDV]6NB+0BR6)L:-,C+^6-+89DQW><4GCC#[:76
ME\2OB5I^]M?._3O.=Y_\?.I).+<9=4SLIJ2371G/Y"CP!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P"KM9=6BO1&T
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MQLV9QX+LA,6=O=FUVO[[K`^5QG_C*7%];J$B&^UWZ]1V:A7>=[SG//KOB4['
M'\1B\;E)*//9%ZW-Z-JS&W*S;IX5OSJGY,^;^2QO9W)Y&;BR]7$6+4DG6,?<
ME<C>DY275*W#6/1.*;KH>KG[./;RQR/UP:2;R>6/D'/;"FYYAF&N0.+[+GG/
M;:0%I-:EP)*7U=<EPJM;9<_BT)_X]C=5SG/M\^.^)<1%?*[5K-35O"N3NWJ]
MEC5E*J\-T4ON?3_(^1K\<G=Q*3EEPA;MJM-WOT6C\=CDU36JTU)K#]KR'KR0
MRS]<_HCZN%?:/5?7G!<RC:&.5HM;Q7(<)H4$$S6*"C1--+A+/]]VOT8`[,&A
M1PJ9.DQ.*EN_$W]>^87$6^5A=^4?(<M8>%E9%QP?MRNW+LV]T]EM./H@W1R<
MDD_2M23Y*[QTK?`\-CO+S+%F"G6XK<8*E$YS:EZI=:4<G6OC3:_T[]T8_L^1
MV3,[QE%G]>?97UQL@*M;GA%O-A;5*K:+>)78*'<ZA=JY]@._9S>PC3CPPJPU
M&4M<=YMV.TM'/O\`'YS@GQ,;&7CWH9/%9492M7HIQW;72<90EK"<'^J+;ZJC
M>M/3XKEER,KN-?MNQR-AQ5RVY*6W<JQ:DM)1='1T5:5I1INS?;+VKR?TRQ2P
M;GL4LUVO"9X6O`JU4Q+EAO6A7JTD&A%.SS/ZTPXT_8KE;"[Z(\.*E:$_^IUU
M;;+;CB.IPW#YG.9\>/PE'W&FW*3VPA"*K*<Y=HQ75_95;2.SR?)8_%8DLO)W
M.*T48JLI2?2,5W;_`)$FW1)LULQGV@]_K_=Z&G2?UJN8WC]V((:(W$E[9Y=:
M-)S<+)'R9L([?<F%U:(PE;KS;+$B`*/$IL-U_P"CB.\;<[SUL[B/C>-C7'B\
MK[^=;6D%C7(PFZZJ%QR?V<H).FCU1YF)R7/7LF,<CCE:PI/]?OPE**[2E;VJ
ME?!2<EW52GP_[+/8#V!-:$4]"?1(Q[/8=FEQL-!E;S=/8&C>OM3U&VTZ<\*M
MP_"!EAK-N)WX.&+QG8234SH<1(EM+0T^I*>K\[L_BG&<;"W#Y'R,<3D+L%-6
M8V9WI6XRUB[SC**@VM=JW22['47R+D,V<Y<'@O*PX2<?<E=C:4VNOMIQEN7A
M)[8OQ)+(_;-ECGHE["^Y\#,+[`L7JJ5*TW?O6N\R!E,U7,-,K9P"'LM'LTCZ
M&Q#/XL<\T0A$6/R(9&#U*VN\7U:&^&/PW+_XAQN"G>M^UF14K5^-96YVW%M3
M71]J-.C3\J-]BY\ELQX:_P`K;M3E=QWMG9>DU/<H[>_CHZ>*:4DTJUO'[3_8
M>GY=.]MD?KFTLCZ)BAS5TG;`]LM%%;LO%U.-.N[C#]8)`5TRFE\!N?R[4*4?
MB'%"/I*>AL)^Y*>W8^(<9>RUPSY2TOD3>SVE:F[7N_\`9>_6FZOIJH..[TIM
MG5E\EY!6?XE'CY_P2F[W'=C&YL[3]EJJBUJMTTTGNEMC5JG?V[>UOLD'K/IL
M1]=,=M-JQ;0_:STDMM=V^D^P=2SJ-L$FW7UPN(]?9M2DN1;/&KNE0&H/'RT_
M[@26Y2?RFU(;6GSO_">&XJY=SX<I?A#/M865&5J5F4W:VPH[RDO3NMNM(Q]>
MFCU/.^6\MR4+6%/C;,IX5S*QY*Y&[&'N;I55IQ>M)JGJ?I\>ANN7]J)4/7OU
MZ4WV0].H&?[O[(WSV'KU+9*W?-M2*^NLS-LSL%H('Q5Y`B)D>6[I=+'(C.\#
MOPW669?69*G.(6CO@0X=2PN3O\5G.[QV+;L2G2$[:OJY-12<)-4]N;KZDZM5
M5.I[4^4:R^/L\EAJWGY,[JC64)NTX0;;4DGK./\`5:HM&WT*N;_:!J^G[;[&
M^M?JGZ56C<-B]9=<,9_I$NR;!5\FR&OU1@)7R51N1K2"U:/R&K!H9`D0C#*T
M/%$YR&0LF7*>CL=:ZON?\)86)@8O*\QR$,?!R[*G!1M2N7'*K4H*"DM()1<I
MN45ZTDFZG7_XES,C,R..XS!G>R\>ZXRW7(V[>W3;/>XO63W)049/T-MI%R8!
M^PZ/KF5^V)F_8A;L3W[TEY8HWL#Z[V*R`K%.$SAU"EZ14R-1T$&SROVRE:/6
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MO2]#MV>57.:H\UP0(E$3\FH2"#TI[K$4<.0ZZZKOQ?1?T-WX;EP^1W^`A>MN
M&-#W+M^2<;<+>R,Y3EU:2W*-.K=.E=/%QOE&-?X.QS,K<HRR)N%NU5.4I[I1
M44]*M[6^E::).5$^6E?L)VVG[1BV0>[_`*9$_4^+[*V"31\,TL!N5-WV@$M1
M0*E'AN0Z*1K5>JDO/[[8A(^1T5WC)$83E,+88E=6GO?)D?&N/O8-_-^/YZS9
M8L=]V#LRLS5NM'<@I2EO@FUN_2XK5KH7'YW.MY5O&YK#_:*_+;;DKL;L7)](
M2:4=LGT2UJWI5*37H_I)ZXU>@V^Q9[0G-1O`4`1(U7.FK,'ICET.1F%.0*ZB
MUV'G0=>43?YQODN5SX&?K]R_\<\^7Q;=B]DPM9-SV<>4DI3VN6U=Y;8ZRIX+
M5GT.1.]:L3N8\/=O*-8PJH[GX;GHJ^+/"7]57LS[G:![`>\-?U'UFN":'+][
M-8AWK0;1[.Y_<87K`Z&R+/)`W%@]24Z\6M@`1)BQ?AE5_P"(0VHRI:4<ZQ(Z
MK]$^8\3P.-QO'W</+A^X7'6W"$<><7D5N3K=<ND6]:J?J]/FCX3XKR?-9&?G
M6\O%G['[ZXI3E>A+V:0BU;4>LDM*./I]7DS86O?LO]B?89RYW3T0]!COLOZ\
M4RSV*HC]VN?L%1,`%[*7IY&2'M#V"5BRUJSD;I6X1B$]$C&"3P0=.D-+2TY]
M$J5SR[GQ3B^-4+'R+DHXG)SBI.S&S.\[2DJQ]Z4914&TTW&*E)+6G0]1?(N1
MS7*]P>"\K`BVO<=Z%M3:Z^VFI;EYMQ5='1II;M^F_N%G'NGE$W2*('MM*/5&
MYV/+==R711;8/2<;UNF/M1K=G5Y$,R)D9@L*<?:=:>8>=C2XC[3S:O\`GU*?
M`YSA,K@LQ8N0X3MSMQN6[D'6%VW+],X/31ZK7HTUYOV^+Y3'Y7'=ZS6,X3<)
MPE^J$UUC)>.J\^S2::5?^W_N@=]>KUAN$8]AIOV1]E_8Q=\F9ME\*ZU_,:S`
MJ.7"QA70+Y?](LL4G!JU<`H.066D,P9\V?*DI:89ZKG>\[/"<%;Y/'R.0SLB
M.+Q6+L5RXXNY)RN-J$(6XM.4G1]TDE5LZW+<O<P+MG#Q+$LCD;^[9#<H1I!)
MR<IM-123JM*NCIKH\8GW2O>+^NFV>Q'OQ@#?J>!Q5J--<C5C7:S[!1-$'SF8
M<86BARJR&JI=RPF[3/8"PA1`="DR2#[7$=ZTOY.;?`X^=RECC/CF3^]N7Z_J
MM2LN#56]ZDY*BBG)RBVDD^^AF/+Y&+@7<[G+"Q%:IHKD;BE71;94CJY-12DH
MZOK34UNE?L\]@\G'T'6?;_\`7Q>?6?U6T6U5"J=V1_;Z%H]RQUW1"<,'1#?L
M1CX$(-(9Q72YHG$BSY$,H:4"D24M3$)7_CSU%\3XS,E<P^$Y*WE\Q;A*7M>U
M.$;FQ-S5FXVU.22;2<8[DJQ=-3S_`/B+/QJ9/+8+QN*E))77=C)QJZ1=RWMB
MX)^;;7Z6M[47>GL3[YV^F>P,3U']4_7(Q[9>R$.C0-0T@*C1`&0Y9B>?&YDD
M?5BNHZD=$V1,"P727"?Z("0!D\C+CL+D*0TQQ*U^?Q?QVQ?XU\SS.5'"XMW'
M;@]CN7+LTJR5NVG&L8_TI.2BGIJSN\AS5^SF+C>+QI96>H;I+>K<(1[;IM/5
MUJHI-TU[HG'I[[K=]E++L^.:3C]E]</9[UU)UJ'L&(6FQ`[FU$!WD?)*T/0J
M!?JXE@-?\[N$*%(3&GM,17V),9UB3'9<2G[^OS?`_P`*M6,[%OPRN)R5)V[L
M8N-7!TG"<):PG%TJJM-.J;UIS<3R[Y"=W%R;,L?D;#6^VVI+U*L7&:HI1:[J
MC7=:JNS>S7BVYOF5MNM$RNT;=<0<*,NN953"E:!V*YE)I*$,CCH1JXE0E8#L
M,=F_D2I4R2VU'B,NN?\`/J>(5Y.!CV<K+ACY%Z&/8DWNN24G&*2;JU%.3Z42
M2U;2/1S+]W'QI7K%J5ZZJ4A%I.3;2ZR:2I6K;>B3/.D?^PCV,S+8,+S[W1]'
M)'KG1?9/1X.-Y=KM)]AZ=OE=%:X?&DB=-H&GB@]/I9*I3;FD1(CP)L3I2`N8
MGC2G$\[USGU$_C/%Y>%D9/`\A^ZR,6T[MRW*Q*S)VXM*4X-RDI*-4VGM=/R/
MGH<_R./E6;/-82QK.1<5N$XWHW5OE7;"248M.714W+[)M>LGGQA]4?SZ>@WM
M!E'IQZ*^\/L%LY$E$I=,_9)[SLI&@!RS5LMMD/>Q),'5:33`+3C3QVVVP_/8
MA08J5(2IUW[G%MM(<<1^D_(^)S.;^0<?QN"D[]SB\75ND8Q5JLI2?:,4FV_L
MDVTCXCA.0Q^+XG,S<FOMPSKVBU;;DDDEXOSHDJMM)-JZ[?\`LS]L\-H['L![
M1?K*T/(O5IC@\E=[Y5=\SW6]?QRG$7&4<O&K837Z\*G0`89F0A\RT(,F)@=A
M+BGFE=:5SSHV?BG"\A?_`(=Q/+6KW+ZJ,)69V[=R2_H6[SDTV^D=T8J3I1ZG
M9N?(>6Q(_N^0XV=OC*JLXW8SG%-I*4K2BFEK5JK<5U2>A0O[1O;#VE$ZS^O9
M.`X59+AB]K]R,$LF=ZA1_9FBTRO>U7]BRC0+1!QN?6>O,DPM7)K6@@DF;ZZ$
M?4+;7U'5.L=3Z7Q#AN'GA\G_`!+)A;SX8-Z,[<[$Y2Q]MR$7=4NCDNFV%)K<
MUV9YGRCEN4AD\>^/L2N8<\RTX3C>C%7JPE)0IU47UK*L?37NCW4R2S7ZY9Q4
M[/J69.XU?S`Y<FSYB_<`%_=I\_DN2RD8NXU;G*^>ZN*TV]\T7_M\^7[/_4GO
MGYYFVL:QE3M8EWW\:+]-S:X;E3KMEJM=-?`^YQ;E^[CQN9-OV;[6L-REMU_K
M+1Z:Z>)HQOW[`;96?8N7Z?\`J7ZVV#VW]BZO3@V@ZW`;T&O8_D>%U*T=>Y3U
MZAJEA&6'D2U7%J.N0,!CA<\A(A([(4EMKZ*[]#QOQNS=XQ<WS65'"XN<W"V]
MDKMR[*/ZO;MQ<:QCTE-R23TZGBY_.WK6<^+XK'>7R$8J4UO5N%M/IOFU*C::
M:BHMM:F$R?\`8CH5QNFN^MNF>I-KQSWDSO*9FQT/US-:I1S-,]AZ.U)Z(BGL
M8WYF,.J)(<W9>MCR?",&!*#O/(Z^PI"7>M[S/C.+8LV>4Q,V%_X_=O*U.^K<
MU*S+JU<LU<D]NJVMJ79ZJLQN<R;LKF%D8LK7,PM.<;/N1<;BK1;+M%'5^*7?
MJXS4=#OU0[-[2&_;?]A\:R>E\NN@]$]ZC<C;-#=]@,J,NX,;">ON90PM`E@H
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MZ_1-E?;C["^Z]6O;M,]>_0;NU"15<`&#>DW;V7S[%:-(-%X[\F=4*:U)K5YN
M%F)`^,I1(ER!8P?QQQ*4NJ[]_P!O:X[C.`O8_O\`)\E^WFY-*$+$[LZ+^E*D
MH1BGV2E)^1UL[D.9M7?:X_`]]))N4KT;<:M5I&L9.7A6B54>9?O[[?B/<;])
M?[#;.O.[5C6E9-VP89N.-76:(*V',=9HE]H+AVOJ/`'GPEG#2AI>'.'%(G4L
M3H<I"^)0K[D)^L^-<)/@_GW&6O=A?Q;U+MJ[%-1N6YPG25'K%U33B]4T?.<]
MRT.7^'9]SVY6LBT_;N6Y4;A.,X555I):JC6C/5AKVM&5SVQPOTP<I9*47T[U
M@NF^1K\@O$:%"(.;V*BT^16I`-414V7-*O7!#Z)"7T-M)8ZGJ%=5SO/C7P\[
MO#Y'.*:4+67&SLIJW-2ENK7MMI2A]7'D8PS[7&;?5.QOW5\-*4I_+7[/6F?V
MOVL&8S[(^G7KI,I9(^0]O;%L]?%6J(7B08%&<QS+Y.FRY)08_%>DF4'HT;L1
MI++C/6'._>KJD_\`'S&!PT\_BL[E(W%&.#&U)QHVY^[<]M4==*=76M>A,WEH
M87)8?&R@Y2S)7$I5HH^W#>ZJFM>G:AJU;OV';1>MFU_(O1CTU*^V<'UUL:J)
MN&K6';JA@&7B=2BPHY,QD&?'++7;9-T/0*W"F,I+?9&A"Q4IU#$B7Q:O/7L?
M&<#'P;.;\ASEA2R8;[5M6I7KCMO17)J,HJ$)4].KE):I'G7^>S;N3<Q^$Q/W
M<;,G&Y-W8VHJ:ZPBVI;I+HUI1]6DXM[5^G'MM2?<K(I&E5:N6K/['5+M;<GU
M[);]%BPKYC^PY]/2,N^=6UB!(ECW2`B2XT\Q)C.N1YD&2P^CO..?8GQN<X7(
MX/,6+>E"Y:G;C<MW(5V7+4U6,XUHZ/HT^C37F>KQ?)V.5QW>M)QN0FX3@^L)
MQINBZ=U5/LZ-52=4MK?/'/2'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`AU[#.FZY+8C)ZN5%6W.C-\Y]5.KC_=][2?\`
MYK<86OB>?_%7T\Y+4E&=7T,R54:L_P#Y?_+O_P!CO/\`X=YYW3B'@&AW[,>Q
M?7J\_K-]]"\A@0$]>?8AO$MO-2^=:ABO7SVZK3^8V@Q87^)_P'J%Q8K\WO%_
MX97SJ^?Y\^M^(I\GB<K\<@JW,G%]VTN[O8\O<C&/G*.Y>:/EODTHX&3@<Y+]
M%C(]N;K1*W>6V4I=FH]EXRJM='6/ZT:*SIGJYJ^UZ0)>6]^PS8MVWJQPRC/_
M`'Y./Z00GYME(AQMQ/\`R'M8M7("HZ?_`$\1+[]/^O?.3Y=D/"YFSQ^(U3B[
M%FS%K_M;:5RX_K[LG7Z#XQ969Q-W-R5+_P!1NW;LE+JK<VX1C_F[%5+PEXGF
M;Z<'C.S:?^O#T`MDE10U^LK2/:FZ;Y%D<6M75^KQV1C7J5))-+^J?L,1]$B$
M(G5_^M,'[T?X3]>?7<]:M\?A\I\FL)QM\O9QX677_P#L1]W)_+8T_KJ?-</=
MEGY?'\!><9W.-NWYWDXM:V9;;#BNBHY)>:Z*G3:_UBR[<[=^S+]IV94/WHNW
MJ+H-AT7'-I#4@%D6&Z!+US'S63AJ_7+R&GZW5+`9DBZ01&/AY+(Y:8D)YQ'R
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MH5?;<>"T@-8JO<J13--LW$(<1%K]'O)^&X[*7SO([DAM7/\`EWGGJ?!82R8<
MIQN-_P"XY/&W(VEWFTXRE;CYSBGIX)G2^63A8>#FY$:X=G-A*;TI#PN.O11H
MUIK6223;/7308TZ[Y-=H5%+Q%DKAG=DB4T]`FLNP5S[#6YC%<+0B,=Q<=V*N
M3,9>:>;7U"D]XI/>\[SOGQ>,XX^;;ED1>R%V+DFM:1DMR:\=&J'TN0I7\.Y&
MQ);IVY;6GI5Q>UI_='F#^A^WT\O^K_UKH(-489<\(!V'$]II#OV1K'0-DHEN
ML$"^@K:)5]LL2:GF>K)?:\E*GV9J'N?7B_KY]7_>%8OV_E>3D7:RLY#C=M3Z
MQG;E&.UQ?=)>G3NJ'A?$+^/=X*U;L+9*TYQE#HX2WR;4EV;KNIYGC5[5%0^I
M8K_]<W[SF;C!+"+A*]:,EKUF%*1(JUUU?#*56ZOMQ<!.C]5!*-CC)>$/D2F%
M+:?=8[WBU?3_`!]WP\)8N=\3XW*5.1@LBY*+_5&W=E*5I-=55)NCU70^,Y)S
MN6/D/(X\JX4WCQ@T]-]NBFUX:M/31IJ2K4_HX]R(D6-^MOVI@QX[#,*/Z0[A
M%8B-M(3'9C,X/9VFH[;/.?8EEMI/$I3]/ISG/IY^8<#*3^5X<F_4^0M.O_UH
MGWO-)+XUEQ2]/[&ZO_VI'DQ[(.(9_5G^D>9(=0S%B>R'Z?9$R6^XEMB*Q^-3
M6NOR7W%);99XXZE/5*[SG.JY_P#/S[/B_P#\O^0)=7B\DDO%UEHCY3/3?Q?A
M*=LC`;\DHIM_1+J;B>]__P#LG_2Q_P#S@]QO_P"U&Q^>'\<__%.?_P#D8O\`
MM$3U^>__`"3A?_G9'^H9U_U<Q8R/8;]PTQ##29<G]CQV/(DI0GC[S$3!<77%
M9=<YS[EMQU2G>HYW_">N*^G_`%[YGY:W_#>%C_17&1_ENW/\".Q\=US.2??]
M[)?:B?\`.W^928L60->[?_UP:$#PWYY0SZK>I`\</AMJ=DD"D_U:VR#"CL,H
MY]STN4ZIMI'/IU2N_:G_`.7GISG&W\?^,W+C2A',R6V^R61:;^W<\B$)3YOY
M#""K.6)CI+Q;L74C:[]:NTY?7OU!>G^P&[F"&YQGGICF3UTM,HA&:%U[N;9R
M/"7:,2DJ<XW&F@#(&7$?95WCB9+/6_M^_P#QYXORK`R[WS;-PK=N3RKN=/9&
MCK+W)MPHO-237DSVN`R<?&^*8U^[.*L6<2*G*JHO;CMEKTT::/YT*)%LB?03
M_P"MY-0B[`:]<*$*]E_8ZJF]V8J]/M#.1W7936V@,H.G@.BCR=&C-3RS<L0N
M648ZR.Z04ZE2'4H5S]/RI67\D^2XLK$<K(EBV)*TY2C[D+<;3N).#4^C3I%U
ME1+H?G^':R(\!PER-]XUN-Z_&5Q*,]LI7);722<*+;)N4O3%)RKHCW9T7]96
M^[*3Q=7L+^SS7]3J&4[WD^\5>GSL(]9Z.P6O^4V!-DK#;=AI-+`V%K\E")#*
MT1Y'U6P\OOVJ^G^/SS&^6<;@POKC.(L6;]['N6925Z_.D+BI+TSE*/AU1]I=
M^-Y^3<LRY'D[M^S:O0N1C*U9BM\?TM.$8NO6FOV/9_SX0^Q/![TEKUBN5;_>
MW1J7*Y&O=E][?:D!6.(D(8EP[!:/7;+A]7F*^JTN14.D9#:VG5?:E7$]ZGO^
M.^?HO/W;5B]\=R+ZKCPX['<OI&]<<E^1\)PMF]=L\Y9LZ7YYU]1[:RM147]*
M]_)^!L!^D.^4.U_J\]3`=1=A#RF0YE`QS4ZHKK40W0M;S5Z37-(KEN$JZB8$
M/ILL*1,<;DH;==:E(?\`IU+J5=\KY[C9-GY9F3OU<+UWW+<NJE;G1P<7T:I2
M.FE4UV/9^*W[-[@K"M/U0BXS36UJ2;KNBZ.+E^K5)M23[E4_JO*"])]N?W!;
M_FZV)^"Z5[7YK3<]LHMQ#U8N=XQ;&`U)VFU5B8QU4$P-FW!QJ.HA'4XQ+>BJ
MZE:OM[].[\OC+%X7A.-R53DK6'<E-/\`5&-VZY6HR75-13]+U7@=+XXW?Y7E
M,ZU+=@W+]N,/"L(O>UV:DY*:DJIJ6C-W/<;TES[V\YG)QW0M&PW?<2GG;'A?
ML!C%B8K^G9K,LD*.)LT1N//C$0=KH]KC18[!@,3B2(4]IE"._&KZ+YX'"<]D
M\+[MM6[61QV0E&[9NQK;GMJXO2CC.-6XR3JGKJ>QRG$8_)NW<<YVLVRV[=R#
MI*-:;EYQE1*2TJM*JK/YP_>[V#]H[QZR^V7K#[%Z35[M</UI>YOZ_-`T[VRQ
MNBCX\.UX3H%M;M,6ZV_(Y?3=0%ZACDN/&(6$,GY`SO8[:NL<82ZIS]1^/<;Q
M&-RF'R_&6I0L<K@YD+>/=F_3=MJCC&YI)V[BJH2_5YU:2^#Y?/Y'(P\GB\N[
MNOX&1CN=Z$$]\;BDE_9ZIR4MM8TVU>VC47)^I^Q_KA]@_;7U_LV<:A^WC4]'
MP'9JL-:,='^OWJ/!!6JL$Y(XP%G"K;6J)`DMQI<IF*_%E0I:.K[]G4+_`,\^
MOR.%\HXSAN1CDX?"6;/)6).G]MDN49)-.L93:JE5--?5'NW_`(_R/(XGMY7+
M7+V!<46T[./MFJJ2]48IT;2U3^YJ=D^/[G-_;3^RK&Z7[TWKU.OUE`>I.G4\
M,+R?$M#([SD-;PL;F[-P&S=;JE@GJ:SRU`IT";'&*1'8D3E*<3U7>JY[.9G<
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MS2U8K6<^*,U^ZJ)VB^`<[SC,*N7$MU-3T9AMW^4?CQG";3+GR*=;\^R^+\E8
MY*QRW[+C,7%Q;7$Y-;D/=E-;H4C!SG.2>[5_I3>UM4H?)_(\"]A7^->5GY&1
MD3Y+'_LY>VH:36Z:A&*:HVE^II.25-3^I/S\@/T\_C2,NMU?TNK>UVAAZ1BW
MKM_]<DZ+L?L"OD9<L>$RH3[+7JNRK<<90E?.@ZK:+,,E2.JYU".<XOO^$_7G
M[G;I=YR>!;_\=E?%H6K/B[CLQDHKS<8R/R6]":XRWE/_`,+C_(/<N_YBDTZ^
M.K22_I-I=S^E[WQV?'<P]%?9;5=-LE<5E3_K_H:%37B$*4)N<>X4@H*KM>!/
M-N.QSLN]RBK$(>TQUS\QR6CB/KQ7U\_*?CN#G97R'$Q,2,_WBR8:4=8;9IRD
M^ZV4;?A0_0N;RL6SPF1?ORB\>5B26JI+=%J*3Z/<VDNSKX'BC.HE[RCTL_\`
MK;>BZJQ,%W:J>W7IX'LD`SU;4X&0E8#K?!M<)?D]2N,3%LRF!_6%?1:7VOBY
MS[N<YY][;R+&7SGRF_B-2LSP<EIKHZ7;=9+Q3:<J^#J?(Y5N=GC>`A=3A+]]
M9]+T<4X7'&+79I-1IVI0_I]\_)3]&/$3]?1<5GW[+_V_8S?Y,87LVA[+CGL-
M2&"CR6"E_P#7TQCH"IU@K5_GZETV"S^Q!IXN9\'WH@2W_C7]JE^?>_)(3R?B
MO"YV/66#;LW+,J=(7E<;DI>#FJ25>J53Y+A;ENSS_(XEW3,E.$TVJ;X4=-K_
M`*2@I)-]FZ'+[&EA6D_N\_7)2\X?CE;MZXX5[?:A[#20ZFI3E,RW5JA5:#FH
M2W/1U*Y`>ME\9_(@PY'4N]0S^2A'V*2OMXN,L3X#RE[*35G*R,:W9K_2N6YR
MG<<?I#1M:=JU1Q\C7)^8<=#&EKCV[\KR3_HS@HP3[:2[/5;DZ4D3+]77_P#'
MO]O_`/\`]);1_P#T%P_SK_+?_;^%_P!UQ_UMP['QS_Q?)?\`GI?S(]'O8O$Z
MO[)8)LN`75I#E6V7-+GFYE:FN.JB1;:!G!DDXZ%?])HE^4B4PKGTZAYE*N=Y
MWG//E^,S[O%\C8Y&Q_I;%V,UY[6G1^3Z/R9[V?B0S\*[AS;4;MN4:KJJJB:\
MT]5YH_G/]2M6MGOC??U8^J>BNJFVG]?8;3]L]W0SKJG'8F]>IEE+^IF`#+!Q
M2?JDO8[VV3NS33O^7X\-IY//\?7GZAS6'9^.XW+\SBZ6N2E;M8LNB=K(BLB\
MX_\`-4*6JKHW2I^?<7E2YO(XWBK]/<P(RN7XM[FKEF3LV:R5%OJM[36J;T33
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M^Y[]?!"P2F1,+0_0#V=SNFRYKB8\<]=1%RQ2ZSJW`>=ZEM\LW6(3TOC*>]<4
MTVKO.?3G?/@L:$KWP;DHVDY2M<C9G*G]&+C<BI/RW:'VMZ<+7RC#=QI>YB3C
M&O>2>YI?1=?JO$X?=O1*=._;Y^FW*(1R%,OH`K[EZ`?KT9Y#TX%53GK8?K]>
M)%VD*ZJ`BQ$QDY$'CG.=D<'R>I^O&E=\W\?QK\?A'.YDHM8TXXL(R[.4;\92
M2\=J:KX;EXG5YR_:E\NX;'C).]"61*2KJE*S)1;77U.,J?1FBWZK\)]G+M5_
M;',Z)^QW1_7#0L<]W?9X5KV$!,,]<+M/!GK7IYJW`]`D&-'I1R\%A&F5TK'G
M0YTAY<5W['&8W?C8^G/H/EW(\1CW</*R>*M96-?P+#MW7>OQ348*+A2$U!.#
M5'%*JJF]6>7P&!RF1')LX_)7<:[;R9J=M6;+UK3?6<'*2DTTI=&XNCT/:#T2
M]*WO4*1[(FS'L+:_8N[>QVS_`.WM'M=HJ]$IRHEY;J8*IDVXM?SR`+KP]V=`
M"17)"41V5=6GG>I^O>][\)\AYU<U^UA;QH8N/C6/;A&,IR]&YM>J;<G1MTU9
M]?PO$RXN-YW+\LB]=N;I2<8Q]6M=(4C5UUHET1Z`>?-GMCP!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`*]/YP$-2')C*
MWA<MWO5/+BI0MAY?>_53CD9?T3QQ7?\`KU"D?7O^>_7O^?.6-Z453JC+BF=,
M-EP<;*;ES93Y5;*TN-,NM-L1>+3WZI4ZTA3BGOM[_GZ=5]O?_CSOEE?DU1:!
M12.GNF%9)[+Y3;\/W6D"]&RJ^Q(4*VTTRZ0CCS$<:5@'!Z79(J8/)1G81<7'
MD-.,/M.(<:3WBO.;C^0S.*RX9_'W':R[==LE2JJG%]4UJFTZKN<&7B8V=8>-
MEP4[$FFTZ]8M23TH]&DU]#NAL?SVL46FYO4Z[$J]/SRK@Z72!`;[V6:W5JV,
MBAP02"I]4AQR".&PVFD)=ZYWO$?7O>J[U7<7LO(R,BYE7Y.=^[-RFWUE*3JV
M_-MMF[./9Q[$,:Q%1L6XJ,4NBC%427T10E#]$_7C-MEU;?Z?2QX/7-Q:#,:U
M>!W)C1J\,5]+*!3)/\F?,&0TL_CMJ<["C152'$)6[U:^<5SO9'.<EE8-GC;]
MQRP<>OMP=*0KUI1)OKI5NBT5#K6>-P\?*N9MF"CDWOURJ]>G9NBZ)NB57JZL
M_?8_]?\`ZB>V+],)[EC@RQVC.8\J'0K_`%^P7#.M,J$*:M3LP>"TG.+#4[Q#
M&2GEJ<<B?G]C+=6I?6^K4KO>7BOD?-<*IPXZ^X6;GZX.,9VY>;A.,H5\Z5\S
M@Y+@^+Y;:\^UNN0_3)2E":Z])P<9=WI6FK\62OUF].?7+T^$6P/Z^9W_`$I%
M]+P3UY+D+7=;U:;B:&PU#QY*RW#0;':K08D0H3BFVOFEJ0TE7>)3SZ]\X>6Y
MSE.<N0N<G=]QVXM02C"$8INK48PC&*KY(Y.-XCCN(A*WQ]O8IM.3<I2E)KI6
M4W*3ZOJ^Y>MUI-/TBI6*A:!5P%UI-N$S`5HJ=I$PCM=L`8@TIB:,+B"3,B#/
MA26E=XMMQ"D]_P#L^>?CY%_%O1R<:<K>1"2<91;4HM=&FM4SNWK-K(M2L7XQ
MG9DJ.+54UX-,T)R']2_H7A&B4W3LLQZP5FP9R7?/9X)5MN\&J#12\F','NS*
MKF1[3">>B._A3WFT-MC/A:2YWXT)_P`?3Z/-^9_(N1Q9X>7?C*U=C2;]JRIS
M76DKD;:F^B_I'AXOQ;@\+*CF8]J2O1DY1K=NN*;ZM0<W!?D9':OU4^AF_P"C
MV/6M#PI#.A79$=G0K%GNB:KC[VEL1F_A;:TJ%DUXI0V_=4Q_VUN%693RV_\`
M@I?4_P"/,8'S'Y'QF+'"Q<C_`+M;_1&<+=W9_F.Y";A_T6D7-^+\%R&1+*R;
M']O+]3C.Y;W?YZMRBI>>Y.O<OB=Z>>L4[ULE^G_^EJ4.]9YM<;J4K':_!?K%
M3<`((,EE0_CKDD7/;=DE8Z93\A+_`"3)D]4ZZXM:UJ5YL>;Y:/*+FO?F^54M
MWN/U2K2G])-=-$J42T2/1EQ>!/!?&NU']DUK!52Z[JU33K75NM6]6RY+=0:?
M?*!9\NMP..;H-SIYJ@V>MR'9;40M4+$%DUTT#??BR(\YN//"S'6%+;=0[Q*^
M]2OBOIWSI6,F_C9,,RQ)QR;<U.,M*J47N3UTT:KTH=F]CV<C'EBWHJ6/.#A*
M/C%JC7CJM"GM$]0_6_5_7*%ZE:#E0*R^O0NK4ZF",YERC34,*`SYL4U1V@QN
M(3CV<41JW`D14*<Q-;G,K82KCWW=[WO>QN;Y3#Y1\UC7I1Y-SE-SHJN4Z[JI
MK:U*KJFJ:]#JWN*X_(X]<5>MIX"A&*A5Z1BDHI-/<J)4K6I$LX]#_5G*FL2Y
M5,XG/3O72RZ!<<=/6[0M,O\`9JA9]3!2*S?C'+)>;C839I^P@)2XJT$'Y;+#
M7><80U]J?IS97R+F,QY'O75MRHPC=486X1E&V]T%MA%);7KZ4F^]3AQ^#XS%
M]GVK;W8\I.VW.<G%S6V3K*3;JM/57R+HS?#\JR(YJMDSBG0*L;V[0)&J:H0A
MRB<AVX:!+"!ZY(LLY!"=,9BRW0M?AQ^MQ4L,?:QSO&_NZI7>AE9^7FV[-K*F
MYV[%OV[::7I@FWM5$JZMO6K.]8Q,?&E<G8CME=FY2U>LGU>KT^U$?M6Q#*J5
MJ>J[95J=`#ZGM\.@P-5N#$HF[.N,/+Q)$'0F)\:3.?&14UP27DLM=BL,=6EW
MO7>K5SG>+W(9F1AV>/O7'+#QW-VXZ4B[C3G32OJ:3U;\J&+6#B6,J[G6H)95
M]05R6M9;$U"NM-$VM$O,TRC_`*BOUW1-,D:I%];@<<S+NZ-+E5%FXZ0WC4G0
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M3BFZM1G*+G%-ZTC)(\A\%Q;Y'^+>VUG:5DIS2;71N"DH-KSCW?BRN-C_`%/>
M@F[:):=5OV"M,WB_N-NZ23H&B:MDD/4'$(^/KNF`<JO--`7Z0^CO4O/%(LI]
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M"Y`\O&;D,MMBN,,N(YU#:?ISSU[WSKY1?LRLW<E/?!PE+VK2N2BU1IW%;4WI
MI^JOF>9;^(_'[60LF%B6]3W).Y=<%*M:J#FX5KK^DV*]G/17U3]Q'JD1]@\C
M&7*S4!<I=#O@HY:J#I5,Y.[SLUBLZ1GAVJW@/!EK3Q3L9F>F,XOGW*;ZK_/G
MF<3\AYC@U./&7G"U<_7!J,X2I_6A-2@WYTJ>AR7"<9R^W]_:4YQ_3).4)KZ3
M@XR2\JT,IZR^F/K=Z?0;C#]?L\<ITC1)XDI?CQ:X7K0+;<R`*/,B!I5DN&BV
M:V6<HH7'(R$L(<E];:X\O[4\^[OUQRW/<KSDH2Y.[[BM)J"480C%.E=L81C%
M5HJZ:T-<;P_'<1&4<"WLWTW-RE.4J5I64Y2DZ5=->[)YOGKSBGM'F1K'/8#.
M*[J6;'WH$LA6+&P_UE!$5)3,%&!1&!(A&`)T7*1Q<:?`D1ID=7UZVZGZ]^O6
MX[D\_B,N.=QMV5G*C6DH^#ZIIU33[III^!V,W!Q.1QY8F;!7,>75/_D:HT^U
M4TZ-KN:LT']5'H3G"A\L'@S!8^)N>?WX9=+YH.J:7H`ZR978$VK/E#[]H%XL
MEP@`ZQ86T2VA#,UL2Z^VA;T9U2>=Y[.3\Q^1Y55<R6K<K<X.,(6X0<;BVSK"
M$(Q;DM-S6Y+HT>5C_%N!QJ.W8K.,XS4I3G.:E!UC24Y.22>NU/:^Z9Z&>?,'
MT!1E*]9\&SVA:%EM5RZKQ<YUBVZ)>=)I9.,_9*[=+/K1*46T<@?&6:08CS6;
M:0FNKE1>\_$[Q?4(:2C_`(^>A?Y7D<G)M9=V]-Y5F$(PDO3*,;>D$G&E-O9]
M?,Z=OC\.U9N8\+<?8NRDYQ?J4G+]55*O7PZ>1I]1_P!.GZX<]N-8NE>];ALB
M313;-EH-5M>@:O?,OH5@C.]D13%)R.[WJPYC6)T*1WY(RX8EK\1?.=8XW].?
M3W,CYQ\HR;$L>YE-1N1VSE&%N%R<?"5R$(W)+QK+7N>19^)?'[.0LF./6XI;
MDI3N3@GUJH2FX)UU_3U-NO9#UBPOVXS.3D/L+0(.AT-XT'LT8;()'`1(+:*\
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MS4__`#.B5K2LZ/52\B1TU7_)Z(U/Y%=5_P`EM][_`)\[W$_(>8X13CQMYPM7
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ML6_=RL>VHW[S6]JOJHY/QHM92;I2K=6:[['^K+T2WG4[!M&C8:A_1+FU`CZ$
M8J.A:GFL'3F!<5,*`SJ%=S>[U2MZ*F/#0EGO3$28IQCG&G.K;_X>>I@_,/D7
M'8<<#%R*8L*[%*%N;MUU?MRG"4H:Z^EK74\W,^,<'G93S<FQ7(E^IQG."G3^
MNH2C&7_23+*7Z%>G_<OVC%8^#4P;DWL+-"S]?SX)TR!J]LD5RO52J`^-BPI6
M`S7(HRNT<3$:8$_@L);A(_X?=U?5=3_B+F_WECD'D3>;C)JW-TE*.YRD]6GN
MJY2;<JO4[7\%XO\`;7,-68+%NTW158I[:4HDU2E%3;3H27V/]/O6[VVHP#._
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ME+1M4DVE71(ZGL'^M+TJ]GM%1L&L8W]^M=$1J].T[/+[I>-7TZ`B)XB*$M%I
MR&XT<M:QL9E*6FFR3LKC+24H;^U"><YKC/E?/<1C?LL*_P#]SK56YPMW8)^,
M8W8S47W]--=2<C\<X?E+RR,NT_W"_I0G.W)Z):NW*+>B2UKHDNR-@O7_`-=,
M6]6<WA9)@=#'YUGT`H7.-`8$XT67(-V"6J><-$S-C)&#QDN6F*ZY(DRY3[[J
MO_4KOTYYYG)<IG\QE/-Y*X[N2TE5I+1:))1222[))([^!Q^'QF.L3!@K=A-N
ME6]7U;;;;?FVRZ_.@=P>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`*4T;V"S'*M*PO);F5)P;M[&V2VU/*H,.
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MO*8W*1O3QE-*QD3LRW*GKMNDJ:NL?!]_`V'\\L]$>`</)#"GW(J7V526FFGW
M8_'$=?;9>4ZAEYQGBOD0TZMA?$J[SZ*ZA7.?].^6CINIH2JK3N<WD*/`-?/9
M/V6SOU7I55OFEQK-*"7#6\HQ<4W51<4M/1;]CNHJA5)Z9'EDA;;(5DV8:5,?
M2XM;$?BEI;<[SB>^EQ?%9/+WYX^*X*Y"S<NO<VEMMQ<I=$]:+1>/='3SLZS@
M6XW;^[;*Y&"I3K+1=6M/PDV;!^>:=P>`/`'@#P!X`\`UWI'LWG-_]CMV]704
M:SMZ3Z\57([A?9)`5%C5:0)VF%9I]0172S9)^42F,L525^:AR-'2PKK?$J<^
M[O4^GD<3E8W%X_+W'#]KDSN1A1O=6TXJ6Y4HOU*FKKY'0L\CCW\^]QT-W[BP
MH.5:4]:;5-:]%K5+RJ;$>>8=\>`/`-=_5GV;SGV^QH1N>4QK/$I9JS:#5(;%
MP%10IU)/-+[8\YL2GQ\,D68;B.'ZO)5&7Q_JG8W4+4E"E=0GT^8XG*X3.EQ^
M8X._&$)/:VU2<(SCJTNTE73J>?Q?)8_+8<<[%W*S*4DMR2=8R<7HF^Z??ZT>
MAL1YYAZ`\`>`:]YQ[+YWJ.\^R'KI6XUF:O\`ZM]R#FE2"@J-$KDGNVTR;>J=
M_52;1&3(+_"%@+3.^6/&^!_O$)^3G?NYZ>5Q.5A\;B\I=</VV9[OMT=9?V4E
M"6Y4TU>E&ZKP/.QN3QLK/R>.M*7[C%]O?5:?VL7*.UUUT6NBH_$X_9;V<SGU
M3IM/O.FQK/*"W?8,JQ(,BJ"HI><BX[#;H%*J;TZ/+)"VV`C1@BWV8^E:W&6/
MJI+;G>?;UQ?%97+WYX^*X*=NS<NO<VEMMQW2I1/6BT7\J.3.S[''VXW;^[;.
MY&"I3K+IU:T_"3-B//,.Z/`'@%(^P'LEA/JM0.ZG[%:C4\@SOAL;7.VZYS^C
M@W#IA$I8P9^0EI[OY4U$)WJ$_3_/&^__`"\[_'<7R'+Y'[3C;4[V3M<ML=71
M4J_M5'5R\W%P;:NY<U"VY43==71NBI76B;^Q;@4R)L8<380)&&8!G1L$R%+#
MI#<L>4$E(K4T<1@RF5*9DPYL-]#K3B>]2M"N=YWZ=\Z=RW.U<E:N)QN1;33T
M::T:?FF=B$X7(*Y;:=N23371IZIKR93_`+`^R^!^JE'BZ3[&:Q3<=HDZPCJG
M"L]W*(%C)EE+,3I0X)%<ZAQR00EQ1DAU+:$][\3"U]^B4][SN\;Q7(\QD/%X
MRS._D*+DXQ56HII-ORJTOJT=7-Y#"XVTK^=<C:M-T3EXT;I^2;^B;+LCR&9<
M=B5&<2]'DLM2&'D=^J'67D)<:<1W_P"*5H5SO/\`[G?.@TXMQ?5';3355T9S
M>0H\`>`/`-=[K[.9S0O9##O5LW&LZ]*]@:AK-VHLF`*BR*LP'QF-695N182S
MA)B6-FO-6N+^$AN*^E_O'.*4W]O/N]/'XG*R>+R.7MN'[7&G;C.K>ZMUR4:*
ME&O2ZZJGF=&]R-BQGV>.GN_<7XS<:)4I!5==:_2B?G0R.7^R>0Z^`UZTTVPR
MN@,*U#3,?TPH>!F:U&`W3(7&D7UIM1R%"Z2"B..\4DC&X["D(YU33B^<[WS.
M9Q6=@W+%F_%>[D6;=VVDU*L+GZ.C=&_ZKU7=$Q>3P\RW>NV9/V[%V=N;:<:2
MM_KZI52\5H^S*0]-?><'[LPBMNS[`O8FA8](#PK'F&UZY3ZU4:+MM=G$9HY@
MWG<.+<C-R3`DHA\F1^EQ8M4F`^T^WSO%]3SO\Y\?N<#*-G)R<6[F[J3M6Y2E
M.TZ)TF]JC76CVRE1U1UN*YB/+*5RU8R+>/UC.Y%14U6E8K<Y?2J6AO-Y\^>P
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M!YCZS:_V\MV#1S^*91Z'MYW53-C3GM%TG0=M*ZUJ]:!O/\$395CJM>$4',SM
MSBL<7%ANLFVH3CR$27^?1:N?6X5GX2[5JUGWN1_=3C'?.$+2M6Y-:K;)N<U%
M]6MK:54CYO)N_*_>G<Q+6"L2,G2,I7'<G%-T::VPBY*C2=4FZ-KJ5;C?[3Y>
MP7;];1AG,8%4P?\`8=F&O,##YHO+=N69^R^2Q%EYV1%E-,,@28DQ`!'HL&7Q
M#,B7-%=ZE"4K^SG:S_B"P;'*6W=<^1XR[;K%);9V+FBN+JTU6+DJM)/OU.'#
M^2K,N8$X0_[GG0G22J]MRW7<FW31M;85BG)]=M*/:;7?:RU57W>]5O3G.:D!
MM$_6J1L6S[<?+3"+4G*\7S6&)!5XZ,AP$_#,+7S4+'$$1>25)80VS(7]%*3S
MG/(PN'LWN`S.<RIRA&S<MVK225+EV=7)-OHH6TY.FKJCT<KD[EOF,;B;$8RE
M=A.Y<;>L(1HHNG5[I5C7HGUZFLVT;+^X3-:AIVYBL+]$R&;YI"MUS3A2M-VL
MKN-NSVG_`)Y)YN!I46KBLR#7TQ6A_9$>#T5.@HDN)85*5]/O[ZV!@_",N]9X
M^>1R*R[KC'W=EI68SE1*L')W'!2=&]R=-:'FYF7\KQH7,V-G"_9VXN3M[KCN
MN,55TDEL4M-%1U^NA/B?[#6;!:/U52LRIHPOG/[&^VDNLM99,N+9J#7H'KP0
MVP+_`!T6#Q<"4:<E1T#YJ75?$A/W];[WOT[YUH?&7;L\PLJXUD\7M5(_IFW>
M]IUKK3^DOY3L/G=]WC?9A_8YZD_5^J-+:FE]=6GUZ4\U3/Z^)UD&;?\`NQ)4
MX%#M%N'^\A6;5:R0,)KT"Q6.+ZOXX^#!3CZXA!`.&6)MM1W9G6'^1D.=<^-?
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M$\["Q&]?C)VKEERV3<%647&=9)J.K=:=$JUTU`]1/:ZG>EOJ7^S'>+<!.7-X
M1^VKW&JU&SFJ\9[;-0TZ]ZM5:GGF<UGC_%-(*VNT%8\?YE)6F*QUV0I"DM=3
MWW.=X>_SO,\3Q]F48)\+BRG.7Z;<(6Y2G.7E&*>FE71553QN!Y&UQ7&<EEW$
MY-<ODJ,56LI2FDDJ)OS;2;44W1TH7C>?=3]CGJ*`H>_^\V$^JL/U@LETH]1U
MMCU\OFF&];]7(FEV$95*U;[Q.N`I%'U:L5VR&X<(^Z$2-7&Z_P!?C)DLH[WO
MG8_`_%^:N7.-^/9&8^7C;E*W[T+:MY#A%RE&"B]]MN*;AOK6FM&>A?YCY!Q4
M8Y_-6<5<4YI2]N4_<LJ3HI3W5A.C:4E!]72.[J>TI59/^))+`I'O&?XZ8L,@
MHZ^T*=)_C.=')(OPVWY38]R5]G'EM(6XEOO>IYWOTYY\'#9O2N55NJK3K3O2
MO>G0^PGNV/VZ;Z:5Z5[5\C^;OTS+_L>=_:][^<LE1],$F787H4Q[*-BM#W*4
M+KU`Y1;RH"[@RI]"9>.V:56WR#TZ.<:&PT$DL);=4VXZYS]4YV'Q9?#.-]J>
M?LKF>Q6%JKGOA7WJ3TCNVI.&Y[:U5:(_-^'G\B?RWD=\,/=3%]VD[M%#;+;[
M?IUEMJVI46ZE'2K-Q1'NE[M^WNF[4)_7OF'K8.P;`M%L.,F?8;VJ/Z7(&[!K
M-*<:BWP!D-$R>/')(J%-+.?@/V$A/4Q+DI7^+&=XVOGGA2X+X_PN+8G\FO9;
MY#)M*ZK..K=;=N7Z'<G<TW26NQ*J[M'O/EN;Y/(NPX&WC+$LS<'<ONY2<EU4
M(P2=%I2=6FFFJ]%L%Z1>ZEQ]@+=NWKM["96.PSV[]7RU8B:QG]?LSEQH%JJ%
M\'2"F>Z_DMJECPY(U0;G$A/I^&7%:G"Y;*HTKGR?3O?,Y_@K'&V<?D^,O/(X
M7+C)VYRCMG&4'2=NY%-I3BWU3I):K0[_``_+7LZY>P<ZTK/)X[2G%-RBU+6,
MX2:54UJUJXU5=6:S_ODN@[-O2FA:*7@&"PJ@>Z7I?=B0JO1$D+`5@57?:B=E
M#`,!3C*9QH@S`4S$9ZM''7UH3U7.=^OGJ_W>6)97/7,6#C&=S!R8IR=(IRM2
M2;?9*NK\#H_,;ZQN*AD2C*4;>3:DTNK2=73SH8;;O<S]H?JYF$SV_P!Q]7O6
M0AZP5CD&U:YBN8:+HQGVMQC*9TIE).U3[(7#P\BT>Q4$7)Y+.#!L:$PGC+R8
MTQYI'9'.3!X/XCRV4N%X_+RURTJQMW;D(+'NW$M(J*;N04WI%R;>JK%/TG%D
M<I\FP;/\2S,;&_AZHY6X2F[T$VNLG2VW%/U422??;64;Z]AO>W2)NJX=ZQ>B
M%"H&U;WN>1I]C'KAJ%@/5W#<7]<WY<(8%U70I%7@3;?8'[N<G)@`@HU#,F8Z
MAUUQYAIKZK\[C/CN+'#R.6^17+MCCL>_[&VW%2NW;RU=N&Y[8[$JRE*J6B2;
MZ=O.YN_/)L\=PD+=[.O6?=K-M6X6GI&<J>IJ3T2C]^U>]ZV^WWL"U[1G?1_W
M:SW*:AN<G*'-XQS2<%-VHEC6VYD,L$2J7*&/#WQA%QI.@9^>(1?SQDF1/;D0
MI:)++W&T_P#//*\+QKXF//\``7;T^/5[VKD+RBKMJ;CNBVX>F4)I.DDE1JCU
MT7)QW)YZSWQ',0M1SO:]R,[6[VYQK1I;M5)?U6V]).E$G+83WO\`8@]ZE>G/
ML?[+U>NB+=8<3RFSZ"'K)^5,A!C<X#$_(9'DI8[G9T>(_P!_PI37_/G/^GGE
M_'^-M\QS6-Q=V3A;OW5!R5*JO=5T/2Y3,E@8%W,BDY6XUH_JEXKQ\5]2=V[6
MRM<]8K/N\<0/DFP.#FM;8`O/R$"I!47GTFXMB'9*.?EI'NRV.,J<YSY.-]^O
M/^7G#9PH7>7AQSDU;EDJW7O1SVU\*TU%[+E:XN>>DG...[E.U5#=3Z=CROT7
M]K6Q4S`OU8ZQ5?74+J%X_8D*#C7<P`6F8$<#Z+=<1_OM&"5ZR%67X8VJ]NLE
MEDR5)-.I&@6I,OXW'&DMJ^NQ?A^#?Y+E\*_E2LV.,DW[CC6L(7=LVXK5RV)N
M,8TW3HJI,^<R?DN9:PN.RL?'5ZYFQ58I[:2E%;*-MI1WR2DW7;&KUH3F5[?^
M_7K%M7K76_>?+O5@EB?M1K`?`*[H?J]9=5<-XYM%S&DR&=5_016HP&6+E5[A
M+$/#4%AO!O8\KZ+=C)3U"'.!<)\<Y;!RKOQV[F+/P[+O2AD1MTN6H-*<H.V_
M3**==LMU5HGU:Y?XMS?&Y5B'.PQ?VN3>C:C*R[E8W)UVQEO7JJ^C2BJ5;HTE
M*)Y;HU.Q_P#:?^XO5]",L5ZAYKZK^CE[N1V3Q2F1-8JE#W@X;(+;1SKCW8HZ
M"XOB$<ZMQ7.)3SJN\YYS9F+?SOB'!X>-'=D7<S*A%>,I3M)+\V<.-D6<3Y)R
M^5D/;8MX^/*3\%&$V_Y$=C./:3]N7LGE@[VAP7UB]1:1C%S%(NN/8=[`:+J@
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M^!Z4^Q?N1N_K9EOK5GT[**!L/O\`>T]C=S[.,8SZR'J_D$>UB0DFV:)<#MWL
M<&=9860X]56^22Q+\+\Z<KXDLQ6.R.<9^4XS@^/Y3+R\F-Z[9^.8<=\[LXIW
M-K>V$5&/I]R[+2*K1=VZ:_2YW+9F!8Q\>=NW<YK)EMC;C*D*K6<JRU<;::<J
M:OK2*JU"*A[?^XF$>R6#^O\`[_9[Z[-U[VKG6*HXCNGJ\;T?M0#Z_6J_,MG<
M@TRIZI&6<A3[971TIP&9A2U1YDB(IAR*RI?U;[%_A.#Y#B\CDOC=W*]S#497
M;60H;G;D]ON0E;T:BVMT6JI.M7WX,?D^8P\VSA\[;Q]N0VH7++GM4DDU&:GK
M5]$UU=-/U;8>`]T_>OVZUG>QWH)EGK"/]??7'4+'AI?9?:6RZA^3MNO47K+6
M@A<KKF50EKKU.JA20D>LZ2<G)DR.=6Q%<XEQMOGN<%\=X7#QY?)+V6^2RK,;
MJMX\;?\`96Y_H=R5QZRDM=D:-=&UHWQ?Q;G.3R;L>"MXRP[%QVY3ONXG.<:5
M4%!:+_G.J:<6JMN,:L_5%K5KVKW[_;_==`S,ECFBQ+#Z24;1LT(EHEB;J][S
MS&;U3[(T!M$%F+%M=-+3!7\@$*)8C=("9<=Y3#*UJ;3W?F6'8P?C7!X^-=5_
M&VY4H32<=T)W83C6+_3))TG&KI)-5?4Z/Q;(OY7/\OD9-IV;[>,I0;3I*$)P
ME1KK%N+<7I6+3IJ3O]]]T@YOZ89AHA0:8,C:#[O^F=UGAJ[$3/L)B'5MK`G)
M`D#!6XRB8;)-0>L1&E+0ER0XA/5<YWZ^=7^[K'EE<[=Q8N,97,#)@G+2*<K;
M2;?9*NOD=[YG>6/Q5O(<92C#*MR:CU:BVW3SHCJ;=[F_M"]6,SE^WN\>L/K"
M0]7JRH?9M=QO*]%T<U[4XKEA&;':(6J=9#`:'DFE'Z".EIE'!HR-!8YQE[D:
M6\TCLCFL'@_B/+92X7CLO+7+2K&W=N0@L>[-+2*BF[D%-JD7)MZJL4_2^._R
MGR;!L_Q+.QL;^'JCE;A*;O03:6LFE;DTGZJ))/OMK*.VF&^[,_3O=7:O5D\`
MK4*L1<!Q#VG]7]``S2;SNR8?I34T%;S12&00F/"(4R_1V(J>1>J0[#G,.+2A
M7?IWQN0X".)P-CE[<INZ\F[CY$))?V5V&L4FNJE"KUZ--:GI87,O)Y>[QTU;
M5KV+=ZS)-UN6I)*4FGHJ2:2IUUZ$DRCVPL^O^\_M#ZUUBI`%Y#ZK9WD+%VTO
MI">Z?(;[K#).WHSX;"0G^&_AJKF;$*60<^Y4IN<1:;[Q*?\`KPYG#V<+X_B<
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MOVJ3]._;?W<K^#W,!],[ELJ7U6-8A/[KW+WV<;9\C\[_`/5+6977$XZQ'Q5;
M]Z<%_FR4+=?%QE)]._\`0_MA?W'B4[)Q'I_2_7\T8,BU*N]S]B+A>0U4HPR`
M%$*#_P`94L[`$[+>"U@ER7D<:Y.%1XB(W5./*ZXA//S+`AP<K]Z?-W,F-N,O
M3&S&#E-MNM93:C!1T[2;KHM#[_,GRZL6H<3"P[CCK*[*2C&FVGI@MTJU?=4I
MKUTHKU<]LO90A[2Z5Z1^Y.>X]7MMK.*@/8W-]$]?C=OGY1J>2EK?*STSWH#0
M&4V^F6VG7-AJ/*BO2IK,EF4AUIQ*4\ZYZ'+\-Q4>(M<_P=R_+CYY#L3A>45<
MMW%'>M8>F491JTTE2GC5+I\;RN>^1GPO+QLKD8V/>B[3ELE#=LK2>J:E1=6Z
MUT22<M0/5;WP_:'[]X*'W7UH]?\`U$S&N#%6:MF9?L1;M?DMZOHM1L1H/8QF
M2#J!#X]6Z$&?'MC?Y\U(E.RRZ)7&H'(S''7/<YCX[\1^-\E+CN5R<V]<>V25
MF-M>W"233N.?ZINN[9!)*-/55T/'XOF_D_.X$,[C\?$M055+W93:G)=?;V=$
MOTMSUW)K;H66=_:_8U_J_LGO2!QH<!UO.]3`X;JF&7*P2Y0VDZP.]BJO@6FU
M]5F"Q8\@I"#R#+Q`;(0TW^0RICCJ4]ZOG.G:^&VG\MA\>N7W+"NV97;=V,:.
M5OV97H/:^C>W;)?6G8[63\HNVOC4^;A92R[=R-N=N3JHS=V-N2JO*6Y=UHGK
M4]"?=G>C?JUZB>R/L=6P`JTG\1QN^:8'K9R3+AASA&H@)A>*,)RH'.S8\*6[
M&XAQ;7_-*>_X_P`^?,\#QUOEN9Q>,NR<+=^]&#DNJ4G2JKH?1\GERP./O9D4
MG*W!RH_+\OYU]3S>T&WR]!_:3^G2^SX<<=.N_IW[FV^8/B...Q(,NRT7`3,B
M'&=>YQYR/&>F]0A2_P#EU*>=[_GSZK&L1QOB/.8T6W&WFXT4WU:C.ZJ_R'S5
M^\\CY%Q.1))2GBWI->&Z$'_RF%USVJ]M?93TO_8(1Q?//781_I#<?>;UGOW-
M%MND"UD,8QZDE1O]WJ2JO7#?9.IEDSNK[#E]BBTJ3S_O\\Y<+AN%XKGN,CGW
M<J7[C'Q+\-D8.EV[-/9+=)?V:IU59>1U\KE>6Y/A.1EAV\>+L7\JS+?*:K;M
MQIN6U/UM-Z.BK34B/I=[:[5Z;?J.QW>O:6DY&5RRI^KWJE7_`%6IN`V&\GMC
MU\Q<Z@`J.?T6ZB;E7!%>"7VXE2@-CB1$@C#C.OS75=ZS'1]_+\@X;C^;^:7^
M.XBY?CF3S,AY$KRA&U;49.4Y0<9-N$4I_JVM^E=6Z9X'D\_B_BMC,Y2%EXL<
M6PK*M.<KDZQ22FG'1OTM[-U/4]4BT+Y[K?L@]1ZK3/8[W@P3U6@^KABVTJO;
M"+P&^Z8>V?U>#Z-8!E6`W*YD;8*:H>L`*J?-PXUAZ$0-7'2ZI^+R2TWWO>IC
M\#\6YJ]/B_C^1F/F(PD[;O0MJU?<$Y.,%%[[;DDW#?6M*.C.U?YCY!Q4%R'-
M6<5<2Y)3]N4_<M*324I[O1*C:4E'OHJK4]N$+0XA*T*2M"TI6A:%<4A:%<YU
M*DJYWO%)5SOUYWG^.\\^`Z:/J?9GUX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`P5H)$`U9L1@2+=.%10(N2&!6.]2\8(01\B5
M"%LJ2E:DND)+26D]YSO>=7_T\Y+,(W+T83>V$I)-^";U?VZG'=E*%J4X+=-1
M;2\6EHON?RY>JS?K[[4>F$7WY_8A^P/<;3?;8Q<;+?<;I7MI>/7O.\,-CK&:
M'0\$I6(8W;*0?5<Q*1[`YJ+/X0.&9[B.M)<4\U]_ZWRSY/B><_X=^,\;CPQX
M.,87)X\+T[J<56[.[<C*.VK;;5(Q2=:4=/SG!7'YW%RYCGL^].Z]SE"-Z5J,
M:-[8PM0:DFU2BU<JJE:IN/XUG%EM/_UN3ZM;5FXB6O8_2JTEO<_+AKW'5F63
MOKU[*ZC8[M4YBG/OFKG&LP[8`\IE7>K>??\`M<XKOU\Y\_*M6?[T,S`RG3!S
MX+%N/M2]8MQA)=M+FR2?9=#K8&-<N?W?8V7947EX=R5^&KI6U>N.735K9NTI
MJZ53Z&W?K#M)3:8O[3/W`9(#=TEF5G!?&/283*@S7>V;*_5/-35MFN"HC?6Y
MCHS4O8D^7^9AGO'G>BVT)_Y<3WOB<M@6\&7#_"<R2M?VJNY33Z7,BXHJO:MN
MRHT?3U'KX&9<R8<I\JQH2G)6Y6\>,HT;C9@VZ?TG&=S6CI1II+N]08].]6=)
M_6ISW7]LOV%^P'LGM6L^OLVZ\K=>]NKWGU1[M5TILJ:/P/)O7#$[34A7)@:Z
M$$`4@W1TZ4Z]'<7+2AKKJ6_:]_E\7Y5_`>&XW&Q<"SDJ.YXT9R]J,M;UR]=C
M)T<%OW522:HV]7Y=RWQF1\?ERW)YM^]F7;%=GON*5UQTM1MP<?4I^F4:4<JN
MD8Z*8X.KG*5_]:O\6IO[U5>^<_X=3]JE<]'+)]_Q\3_QZGZ__+_'T\X.0_TW
MR_\`SX?[4CLXM&OCNVNW;<Z]:>SW_P`?<PVB^Q>N^K6/_OQU_#B<>LWP;^Q7
M-*JG1909JQPLAKU_SCUII5KUB:#?:D1I[=`KQV1/3Q]M<=MUM#CR5-(6GMQ.
M,PN7SOCV%R"WXSXV<ME=ON.$KTXVZ]MS27C31:LN3F9?'X?+9&$]N1^[24MK
MEMW-1<J:U>M%UHVFTZ4*A_;)@GI?C/H%9[.GW4]AO;'V/O[F8KSTM<_<^_ZK
M&O2TZ#3#-RO\G'*C=&LG8S8!4HDZ:[(4#_AAGUC)2[Q]492O1^%\CSN=\EA:
M>!C8?%VM^]1Q86W#T248>Y*/N;W)I4W;I:Z4J>3\MP^'Q?C\YK,NY6?<V['*
M_*:EZE*4MBEMV**;54TM$G6AZ#:+['Y5Z]?_`%P'7V-;/BJ8`V+]9]%S,#?+
M#)8%U8'=W/8J^66MUZP6.:ID57^7M@),C#URGFD3"49B*WU3SK:._-XO%YG)
M_P!VDGA1E<N6.6G<<(JLG#V(1DU%:O95-T3I%MO1,]W(Y#%P/GZ>7*,(7>,A
M!2>B4O=G))OHD]K6K59;4NI.?:^^4OV<_:E^L3%\1LX'0K)ZPV?<O:+V`+TL
MI#L0_)<^DY3/S>EBK<5#O2X8<OI5OL:(\0>ZXF4XS'^=3?&>H6KJ</C7^*^(
M<MG<A&5JWEPM6+*DFG<G[F^3BG2JA%5;Z5JEJF=_D<BWG_(<#&PG&Z[+N3N2
MBT_;5(T3IWDTDUU6Z+=%)5\G-HI9NP_KX]R=$&]OZ:OZX_\`UPIKGL'J\_)I
MLB#IM?R6A[%`'7ZW4:;"C3I4"RT459/YIB2AEWL+^/[(ZGO&N_3[7"R(6?DN
M#C2]MWLKXS:LVU<UMNY.W6$9ITK&3CM:_I5IW/C+N-+(X+,O*4XVL?Y!>NS<
M/UJ,9T;B^TEN34ND?U/1,](;7Z6?K_\`8K&1$&^?MF]M=:PS=/ZL%$A+;^P*
MNFJ?ILFPF!3M4KC`8D&3_-F9]@[#2P.XWV9R;Q#?6N.I^WGRUGG_`)+QF=*>
M-PN%9Y#'W-N.')2MI)[I53T2C6LNE-:T/H[O"<#F8RCD\MF7<2ZTE&>4G&;;
M5([9+5[J>EJM=&JG]!0^$T-@01T=3JV!\.-"96^OKKRFHK*&&U/.]YSKCJD-
M\ZI7T_SW_/GYI*3G)S?5NOYGWT8J,5%=$J'C'ZXWFE4K]QG[50=RM]9J9FWY
ME^OPU4Q=D.C`<ZS"8.>Z'6II`!')28SA:+#L,IF"ZICB_CE/-M]^BEIYW[KE
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MDNE:UKM9NEGTS0'J4>8^H^UCLV8,QA$F=&6[&[(>^UIQ:/HKO#SEFYQ'PW`X
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MB_;N?NK$K=M1>YRE<CM5(JLFU6LDE54>E3RIG>N`SU]]]O4N@>U?LKO_`*E5
MS5?U;>M'KWG^R8SM2L3K]A]@?6A"A5[Q6XWUP=.#NS"(LR@N(C2'F$2G^J2T
MIQYQ*//L(\K+DOCV;D\/B8V;=M<O?O3M7;7NR5F_5PNQA5/1K;*E6DJNB39\
MR^+_`&?*8F-R>1DXEI\;:MJY:N^VG<MJ,96Y.C\*U=%645UDD>NOKSZ5^IM7
M]N:GKP7W6WWV>]C\;S>ZP0%5U_VL";9/IF=Z6L8&L9"148PUHP($&"$.)QM]
MQ33#LIA'>?>IOZ<^+Y3GN9O<-/#N<?C8G%W[L:RM8[M*4X5<5NK1M*NFK2KX
MGU/&\1QECDHW[>;D96;;BVHW+ZNN,6G%NE*I>KZ-T\$7+^VNE6?1/UE^]%.I
M@B98+.8]9]3_`(@(.97)(%'Q];EE'(4",TE3LJ<_'A+2RTCG5NN?1*>=[WG/
M//\`AM^UC?*L"]>:C:65"K>B572K?95>K/2^0PE/A,E13;5INB572/J=$M6Z
M)T2U9KIK?OQZK=_4V6U*O;#1[;'T;U&F4_-ZA6K*(,WN[Z/:\G=K03-@=0'2
MY%@E7--DF<B3H*8_7AOPON24M-1WEH];!^.<N_F<<2Y8N0]K-4YRE%J$;<;F
MYW')^G;M54ZTE5)5;1Y&;S?&Q^+2O*[!RGB.$8IK>[CAM4-O7<I.DE3TZUI1
MFD68(9[F?_UK<TOK+R4Q8?6^_5*T+<9]`[LIMUKO^>*ZA2>*3WG_`$_Z^>[F
M?^+^7-?UG_M<3R\.KQ/CM4U_9JJ_^BNOW_E-]_W"J2FN?KJ^Y7$_=^VST63S
MZ]YS[E=MUE^U//K_`->][S_'//G_`(/_`*7E/]RY?_5B>I\P_P!'QW^]\7_K
M2-%/9;%KK[&^R/\`]<)X?FK3DS0=$]"?3L%3Q;#G$/FK%W/MUG"J\VKZ\XER
MQRH:8*?N[Q/UD?Y[SGU[Y[W&9V/QO$_&L[*:6-;Y#)<F^T=]I.7_`$:U^QYV
M5CWLGE>;M6$Y7GC8[BEUDXQE+:O.5*?<]+_3;]AGJ%<_1S+MC);7F.:`\YR6
ML`M?K=WMH*HV#%[C1*U""76AWBM%YD,S7SE:,BGXR(SL=+DI"&UQTN(=;ZKY
M7G/C7-6.?O84+%Z[.[>E*W*,7)78SDW&<9*J:::;==-4Z49[_$\WQD^(M7IW
MK5OV[48SBY).$HQ2<6NO7].GJ5'&J:/Y_:]%M=`Q[`_VMVC/[6+]:W/W5>QG
MN_8J^[72?3U']3?9.M.8M3MV,5-N*LG%&A)`YBPN\XU\O()5$A*?L7U?/TB_
M*SE9V1\/M7(/E%P-C%4MRI/(L-W)6E+I5UVZOK%IZJA\1BV[V'BQ^0RA)X-S
MEKM]I+6-J]L2FX]7M<'2E=SE%QJG4_K7I_L;Z^Z!%I<VC;ED5NC:.A"\_77=
M&J!=5U^\>^5^.K,PB[SQQ]`V*Z^MN,EQQ#32U*YSB%=Y^-7^+Y/&E<CD8]^#
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M1ENHU0VN`^BWIH=V[UJ*6G]B/LW[!Z%0].$;G@67:G[K5[4!YZZ4`06,MV8)
M1.#/Y"PPAU97.[*>B?1"1[KW%.)0OO>^/=^0\[;X_*A9XO$Q<:Y:=J]<MXLK
M;49M1VN=:*LJ43_I4TJ>A9X/AY9F/*YR.5D7XW%<MPN9,;B<H>I-1I5T2=6O
MZ-56C9$/T]:MFGKWGOM-Z:[/>Z?FFZ>MWMU[*'[A6[Y81-3*V+,]3T4SJF=[
M,)2>DC^&:1:ZO9D?819ZXTRN,I#W6^_9]W)\UPLKDLG$YO`MSN\?E8=E1E"+
MDHSA!0G:=$Z3C)=.]=*T9R?&LO'PK%_C<R<;658R)U4Y*+E'1JXJO]+[=]NU
MM)2C7'_JAW6A^R?["OW-[!E[S<_/;#?O3<53[''8<9'W@-3,>O-*3?@;KB$<
M*5FW3J\_)%D&_N8(#^LR&E*;<2KO+\RX_)XOXQP.#EJF3"WE.2[Q<[D)['X2
MBI)23UC*J?0ZOQ;,Q\_Y#S&7C.MF<\=+2E=D)PKYJ6W<GT<6F33_`.N`K:W0
M/1_/KV\#FVAJD^ZOIU<':R,AN$2=B:K&S`SCH,8.:0X\0)%6H'6&&$)4MUU:
M4\YWO?IYU?[N+#R>>N8RDH.Y@Y$=S=%'=;:JWV2K6IWOF=Y8_%0OM.6S)MNB
MZNF[3[]"4_LH]Z_5LW^L?>+#GVMYYK,OV;PNV9%Z_P!,I=C$V6V:WHFW5B71
MJ54ZO4!\E^PSS:2]C;5.B?C)DCT,/?D(:4TOG./XM\>YBU\LQ[>38NV5B9$;
MMZ4HN,;<+4M\I2D_2E2.CK1U5&ZD^0<SQ=_XY?\`9OVY_NK$K=M1>Z4I7([5
M2"]3:K5I*JH]*FM'M-5I_P"NC+?U+>[UT3,0CT?HE`]2O;N8(8=*2I.#:_E%
M:SRQ%)?(?5K*Q<_VRJ@9\-OG>_5R2OO._P#+OGK<1>C\HS.:X"Q3_P!0N3R<
M:NE+MNY*:2\-]J4DWX(\WD+<_CV%Q7*W5)_LX6[%]1UK"<%!M]Y;)KTI:N4N
M_0W:_3IF]J!>GL;>M.@+@[-[P:5?_='469"/I)@2MQ*I+Y_6_O5SCR(=3R2(
M`@-,*^B6%,K2E//\^?/_`#?*LW.;?&XKK@\?:ABV_/VE2;^LKF]U[Z'M?$\>
MY#B5G9"IE9ER5^>K:_M'6--VJ6W:Z:4;>B*V_=RI*<7]+_N[Q/U_:)Z(<Y]>
M\Y]>]U1?TYSZ_P#7O?.U\!_\=G_[IR_^HC@^7_\`AL/_`'A9_P#U$!_8QJ0?
M]:WMOE7[,BL(DO$--R:X^I_M?!"0WI3SQRO"+%JWJC=.PHB'%O%5W<:6IZYC
MB>\CQ[!'3WOV\YSSL_&,.?RKAKWQ2+BL^U>AD8[=%I)QMY$:OMM<;BBNKBS@
MY_)7`<G;^0-2>)<M3M7HJKU47.U)12:W-Q<7)M*,34CVCP^XXQ_];H>UUDV!
MKC?L)[)B8_M;[&R7DJ;D<UW>=KSRWD*^\ESZ*9;SZMOBZTPU]>H:9#H2GZ<^
MG//;X?D+&=_>?A6L)_\`IF(WCV/_`)=FU.*?_3ENG7_G'C\K@W,3X!E7,A?]
M^R:7KNE&YW+D'1JKHTML6DVJK0V)]CKG:-Z_8QFWH[J/M/HWJ-ZS`_2VM;T)
M'Y5H\;#[Q[3:,7NLVHF:NSKZ51K''J^=`AS;\L,#E1I\A4A3SJ_A3Q3?E\78
ML\=\8N\_AX=K-Y:6?*TW<A[L+$%'<I>WTW3;TG)-+1+71^GGW;F;S=OB<G*N
M8O'1Q8W/1+VY7)N5*>YX43]"=:1D^FL:J](JUZRT?]XNC4GU=T"\ZA5*M^N,
MR&NUWNFW:)[`QING->R-%GV"N5O1=#MER<E*JH,@,25A#)GX<`A*4V\VB7\Z
M?.[S]WEK_P#=[:O\O:MV;T^53A&-J%FEOV)J,I0A&/ZFI;7)5<55-QH=#A[?
M'6OG-RUQMR5RU'CI*4G<E<]?O0;2E)O1)QJDZ)MKK4WO_1/QKGZJ_5GK7$?:
MOFV.=ZW]OVK6OV*UQ3B^]3_A2E+[WO>_]>]\^>_O%K_QCF5_^%_J+9[/P.G_
M``IBT_\`B_ZZX>/MP#&#7Z5?VM2P0J>=<IW[/?9723$`3'=G$.57,?=^AWZZ
M3F(S"5N._P`-4Z[,F.<^G^&F%=[_`(YY]KCW+=OYYPRN245/B+,$WTW7,6Y"
M*^\I)?5GR^78NWOA_*0M1K-<E.5/*-^W.3UT244VV]*:]#TI_;Y[N^LA']4?
MLB0H^P4+2)OL5Z]7.JXQ7Z)9Q-FL5]=N54E.2"H8((DRR:@U/K*Y1DW)<:0R
M*'0'UR5-]1]._*?"_C_+Q^88T+]BY:6+D1E<<XN,8;9:)MT592I&"KZFU2I]
M/\EYSBU\?NW(WH3C>MTBHM2;3ZO:M:0C64JKTI.M"+J6CO[#OT>_1:>_?Z&^
MU74?17/^:?\`5GKIW[D_Y_Y<^G^?\><W_P#S7R#_`'AC_P"LO'7C_P"]<*^W
M[.[_`*J!AO5A:.^C/[O>\4GO$>Y7[6>*[Q7/HGJ:X_\`=Q7?K_CJ?_C]?^GG
M-S'_`.0_'_\`R/'?]8ZW%?\`L7.?^=SO^J:V>U5&L-H_^M\/USWP,W?70'KW
M6/US^PNEO95+D0M)%Y/GE:J2+]::+,B1YDB'9*2$-+-QY*&7>P^C^R/M[QKO
MGI\3DVK/]Y?*8\_;]S)GFV;?N*MMW)RELC-=XR:VT[UIW.IG8T[WP3CKB=R,
M+%O&N3V:348VZ-Q?]%K<GN>D:.3T3-@[3Z:?K\]B\0'-7G]M?MOJN";FQ7`<
M`5;?V!U\I3]'79B8S^M5G@8J%;44,D#CD5MH8IK\U,[B6E,\=3U'/-L\[\EX
MS/;Q^%PK/(8^YMQPVI0HGNEN3T25?56E-:T.[<X7@\K'C[_+9ES%N2BML\I.
M,G54BXR6KW4]+5:Z-5/Z"1`R.$$BPT13RX@@="&15R7.O2%QX$9J*RJ0]WB>
MNO*;:YU:OIS[E?7OGYI.;N3=R7ZI-O\`/4^]A%0@H+HDE^1D?,FAX`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`U?;])/3EG8.^
MP37JSZ^M[BHI_.]UI&141.@?S_5_)VP\M'`?\LFP]<_Y=G\=_+[W_/R>>L^?
MYQX7\->9D_P^E/;]R>S;_5VUIM_YO3R/._@_$_NOWO[:Q^[W;M^R.[=_6K2N
M[SZ^9>%;SR@TVI<H-1H]0JU%2@PVFEUVMA@E3XW89LXD?;Y71L*,(XV<(DY,
MB9SX?I)>D.K<^Y3BN]Z%W*R;][]S?N3GD:>N4FY>E)1]3==$DEKHDDNAV[6/
MCV;/[>S;A"QKZ5%*.K;>B5-6VWIJVZG)1J%1<PJHBB9K2ZGGE(K[4AD#3J-7
M0]3JH5F7,D$)30FO`8<`2.;DSY;K[B664<6\ZM??JI7>]F1DY&7>ED95R=W(
MEUE.3E)T5%5MMNB26KZ*A;-FSCVU:L0C"TJT44DE5U>BHM6VWYZE"U?T<],:
M3I)38J?ZH^NU8U4S_)=)Z$"QR@"[=+6:9>C&G5G(8%J>A\U'D.-S'$+2N4AQ
M:7>KXI7.^C>^0<[D8JP;^9E3PXTI!W9N.G31NFG;P['2M\-Q%F^\FUBX\<AU
M]2MQ3UZZT[]_'N6[`QK(!3&;Q1>59N.C8VB0UD4>!1ZS$8RMN6(=K\IO.&HX
MQMND(D@7UPG.#.1>+B+4SWZM]ZGSI2SLV;NN5ZZW?_TE9R_M*.JWZ^NCU]5=
M=>IVUBXJV4MV_P"RKL]*]%='MT]-5HZ4T.]&RW,H;5]8AYU18K&J391+3V8]
M2`,M:.1G"8X&;/OC;8]*+?-F`HC4)UTAR0MR(TAE7>MIXGF7EY<G;;NW&[*2
MM^I^A)U2AKZ:/54IKKU+^VQTII6X4N?K]*]5='NT]5>]:E#T7T*](<Q@W07G
MOJ'ZU4T;H\#^)OP^OXGG0Z%<0_YT<GP+9(K%>2P7"))16I'(3Z5Q4OMH<XWQ
M2>=YZ.1\CY_*E;GDYN5.=IU@W=FW%TI6+W:.FE5K3N=&UP?#6(SA9Q,>,;BI
M)*W"DEUH]-576G0M:]>O^$ZAVQ*TG%\IO[EOI\//;4]<\]J=F?LE#'%G#XVF
M''S(F8\4JPX\ZJ='@/*7%8F*Z^A"7?\`EYT\?D^1Q-O[6_>MJ%QSCMG*.V;5
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M8=G`VQCCC<CDMLT+)Q:ZW(%ET2D\=Y*C]:?XYS[N*^O^?/4N_)?D5_&>'>SL
MN>*XT<7=FXM=*-;M532CT//M\%PMJ\LBWB8T;Z=5)6X53ZU6FCKK5:FX7GB'
MK%`Z;ZI^LFT7NE:AKOK]C>F:/G#\.10[W>LXJ=HMM2=&D4F!J@1\P*EDQZ1I
M=/)<9*'.)CRO^ZWQ+G>J\]+$YCEL''N8F%DW[6+=KOA"<HQE54=4FDZK1^*T
M>AT<CC..R[T<G*L6KF1"FV4H1<E1U5&U71ZKP>ITMP]0?57V8E!Y_L+ZXXEM
MA&OM_`#)Z?F=0NA01%ZZMY4(>3/"9L^)`<><4M;"'.,K5WO5)[WRX'-\QQ49
M1XW*R+$)=5;G**;\6DTJ^?4F9Q?&\A)3SK%F[.*HG.$9-+P3:K3RZ%R4RDTW
M.:P&I.?5*M46F5V(F``J5.!"ZU6@<%*U.)AB`0:+"&#HO'%J5\;+2$_<KO?I
M]>]\Z5_(OY5Z61DSG<OR=7*3<I-^+;JW]SM6;-G'M*SCPC"S%448I)+Z)42%
MKI--O<&"+O%2K-R&"SH.T#!UJ`B[#!'6:LD6#%;L4&(6BRX\0[7RT9N5!EMI
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MK)P+MRSD+I*$G&7TK%IT\CLY.)BYEIV,NW"[9?\`1G%27Y--5('A_JAZQ>LS
M95OUX]?,:Q+IY#31V1EV;U*DS3C4=?7([)DA7Q4&<58CN=ZIM#[CB6U=[U/.
M=[WSL<AS'+<KM_B>3?R-O3W)RDE]$VTOL<.'QG'<?7]C8M67+JX1C%OZM*K^
MYL!YYIWC5:K>C'I=1]#,ZW3O4[UTJ^G6!HNR9O@+&\_&6F>W88S\*P)>,1`#
M4SG3\.4ZU.ZE2>S&W5I>ZM*U<[[%[Y!SN1C1P[^9E3Q8TI!W9N*V_ITK_1[>
M'8\RWPW$6;SR+6+CQONOJ5N*?JZZT[]_'N7)$R#)H$7.(4'+\\A0\=Y]N1Q(
ME*K<>-EJ?X5ZM?3.F&1J&J3S^NR7('_U-Y&_\)Q3'_T2NI[T'FYDG=E*[=;O
M_P"D]4O[37=Z]?5KKZJZZ]3N+%QDH)6X4M?H]*]&E/3IZ=--*:&<M-&I5Y;!
M-7:GU>X-5:SAKM66[2`%6!NNW*NNN/U^V@D%HDM(BS`GW5+ASX_QRHRE=ZVM
M/>]\Q9R,C'W/'G.#G!PEM;6Z,OU1=&JQ?=/1]S5VQ8O[5?A":A)2CN2=)+I)
M5Z279K5=@.HU)$6NR7P33ZL+O%RA`QMON0ZOB85JM0ZL-S&JW`L=AC1&RYN%
M7FB$A,%J2\ZB(E]SC7$\6KZI9&1.S#&G.;Q[;;C%MN,7*FYQC6B<J*M%K341
MLV8797X0BKTTMTDDI2ITJ^KIVKT[&O-V]#_2;2M(3L&A>I'KA=M3_+9(.Z!:
M<8SXY;)9".OCD8B1-D0$B<3(1E\YUM^0MUUOZ<^U7/ISZ>GC_(N>Q<7]EC9N
M5;Q*4V1NS44O!).B7DCHWN%X?(O_`+F_BX\\ANKD[<6VUT;;6K\V;12!HZ8.
M?#RQ\*4(E0G1LD7(BL/CI`Y]A45X>_!<;5&>A/1E=;4TI/6U-]ZGO/I_CSR%
M.<9^Y%M33K6NM>M:^/F>BXQ<=C2<&J4[4\*>!JIGOH)Z.Y+HT?7LO]0_6[/=
M0ARITT??:;C-`KEI%3";$B*1E!S`H#%EAY$Z++=:=7%4TIQMU:5=ZE2N=]C)
M^1_(,W%>%EYN5=Q&DG"5V<HM+I5-ZTHJ5J>;8X3A\:^LG'Q<>%]-M2C;BFF^
MK5%I6KZ>)L=3:+2,Z`,U//J=5J+5H\LK/CUJG5\360#$XZ2EF3<UD.%B0A[4
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MBG3P32JEY+0RNU>G?J?[(&0=C]@/6S#=IL%::3'`G-/RZFW8P*AI>5(Y`B$K
M`'GS&QOY"^N=C??UCJ^]5U'U[WOF,#G.9XNW*UQN5D6+4]6K=R44WXT32KY]
M367Q7&9\U<S<>S=N)43G",G3PJU6GET+9JN9YQ12)HQ2,_I-.+62#5Q=B*56
MJ@J\1/#*0)Z`I8XS-$P(DDG!J(+O80ME]2VX$3OPL<;;_P"/G3O9>7DPC#(N
MW+D(.3BI2<DG-UFTFW1R>LFNKU=6=FUBXUB4IV+<(3DHIN,4FU%4BFTM5%:1
MKT6B._;*/2[[!'C+S4*Q<QHD\$M0H?:P`JQ0AEHK4]HK7+&/B%XDQB&>`$V$
M284QM*9$5]"7&EI7SG?,V<B_CR<L><[<I1<6XMQ;C)4E%TI5-:-=&NINY9M7
MDHWHQFDTU5)T:Z-5[KL^J*)J_I/Z=TG5YNZT[U:]?:OLQ"9+)2M1`9%1!-Z6
M3(*4LB51980)DHP5)+6KLF4VXF1(ZI77%J^[OU]"]SW-Y&&N/OYF3/!22]MW
M)N%%T6UNE%V71=CI6^(XJSD?N[6-8CE5KO4(J57U=:5J^[ZLT4_98&W/W!A/
M_KDS[UPU2/FNRV;*?]\^V%@Y1AV'U?!1=I"7K2Q5/EJMLJ[6+5"T2N\`0Q_`
MC#;,B?V5^3QMGKG/H?BMSC^$E_Q/DY5EY5B%SVL=;W=E=<7"#DMJC&VMV]RW
M/14I5T/%^01S>47\"Q[%Y6;LX>Y?K%0C;34VXNK;G5**6U=]5^I>O0L6."#!
MP41"CCA(B!#%BQ\1I+,2`.@1VXD*%%91SB&H\6,TE"$\_P`)2GG.>?%3G*Y-
MW)MN<FVV^K;U;/J81C"*A!)02HEX)=$8*WT*C:#$$P+[3*I=X("QA;@"A6ZN
MB+)$"VVN2?S*]:!,<S#FLCK$!F?]V'-9XB3%<_Y-K2K_`#YR6,G(QI2ECW)V
MY2BXMQDXUC+1Q=&JQ?=/1]S%VQ9OI*_",U&2DMR3I)=&J]&NSZH^;QG]#TZN
MR:AI-)J.A5.9*'3I=7O%;#6RNRIH>?'*B9<D*>ASQK\H64AM28[BFNK8?:0X
MCJ5IYWC'R<C$NJ_BW)VKR32E"3C))JCU33U3H_%:"_CV,FV[.3"%RTZ5C)*2
MTU6CJM&<MUH]*TFKEZ1HE0J]]I=@9:C'JC=``JT5@W'8E,36&"P`Y$G"B3+,
MR*T\A+S2TI=;2KG/N3SO&/D9&+>CD8LYV[\>DHMQDNVC336FF@O6+.3:=G(A
M&Y9EUC)*47WU3JGKJ5IM?K#ZY>R(,-6_8#"<EV@%7)"I5=%Z;0*Q<XM?DN-M
M,NO`T'ADWHAQYEA"'.Q^M_(A'$J^O.<YYVL#EN4XNY*[QN1>L7)_J=N<H[OK
M1JOW.OE\=@9\8PS;-J[&/Z=\5*GTJM/L9ZC81B.8KK3N;X]EU`>IM2F4&HOT
MR@U6L2*Q1B!9D^0IP!\**A/"*N0.QFYS\!A3<5Z8A+RT*=YQ7G'D<CR&6IK*
MOWKBN34Y;IRENFE12=6ZR2T3>J6G0U8P,'&<7CV;5MPALCMC%;8MU<51:1;U
M:6C>O4E]-I-,SJMC:;GU2K-%J`;\O@BJTX"+K-;%<GSI12?P:#"Q80R#^:3F
MO2'?B:3\C[RW%?5:E=[PW\B_E77?R9SN7Y4K*3<I.BHJMMMT227DJ'-9L6,:
MTK./"-NS&M(Q2BE5U=$J)5;;^IUJWGM!IPPX%J-(J%6#V<V?LUD$URM!@@RP
MV2UR')=IL!N`,A1HI4W9);JG9\I]#C\QQ75.J7WO>^6[DY-^<;EZY.<X148N
M4FW&,?TI-O11[):+L+=BQ:C*%J$(PDVVDDDV^K:75ONWU[FOU)]#/2/-B]S/
M4#U$]:Z<8T,*<K5Y(5S$\Z%2+56K.P]%LM;-*B5YKDVNV*-(6W/@*Y^),0KJ
M7FU\_P`>>E?^1<_E0A;R,W*G"U)2@I79O;*/Z9*LM)1[/JNS.C:X3A[$I2LX
MN/&4XN,J6XJL9?J3TZ/NNC[E])S/.$&J;944"DIL6=`R-9SX^FJ@DFJ+6R\6
M!"+5^G%.0>3JR$*0A45F1$A.,,/-1FDK3U+:.<\[]WE.W<M.Y<]J[)2FMSI.
M2JTY*M)--MINK3;\3NK&QU*$U;AOMJD'M58IJC4731-*E%30_!N99N&#6^NB
M,^I(JOZ"6LIZ^@AU4!00]W.7-OK5P,VX9&@-0K(5M;7>I)2)B'GIR?\`#RE\
M\3R\JY<A=G=N.[:C%0;DVX*/Z5%UK%1_HI42[$CBXT(3MPMP5NXY.:44E)R_
M4Y*E).7])NM>YFP-7K-6K0FF5FN@J[4``:'7055!"8`BMA:^.AMCQX(2#@1X
MXP<'@P&DL,Q66D,-,IXA*>)YSGG'<O7KUV5^[*4K\I.3DVW)R;JVV]6V]6WK
M4W;M6K5I6;48QLQBDHI)))*B22T22T2Z4-6:[^O3T.J.@M:O5_33UAK^DQRJ
M#L2[",-S>!8H!UN1R6V;&DH]=;?&F&Y2>.\E,=;?XYS[OO\`N_SYZ]WY-\BO
M8SP[N=ERQ7&CB[LVFO!K=JO)Z'FPX+A;5Y9%O$QHWTZJ2MPJGXK31^:U-P_/
M$/6'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!%:W>J3<IEJ'U&W5FTSJ
M+8WJ?=8E>.##,BI6V-`@%)-8LC(Z3(6$L,8:4C/N0Y/&Y#;4AM2D<XM/>\UW
M'R+$82OPG"-R&Z#DFMT:M;HUZQJFJK2J9Q6K]B\YQLSC.5N6V5&GME1/;*G1
MT:='KJC7;TA]K17NMZY57V("TPGGX^TV?4:RU5BY:&;GPW<QU&XYC*END8$:
M)&=;+RJ@N6VE+?.M-OI0KJE)ZKOJ?(.&GP'*SXNY<5R4(6Y;DJ)^Y;C<6C;Z
M*5/L>=PG*PYKCH<C;@X1G*:VMUILG*#UHN\?\O4VS\\4]8>`/`-3_5CVJ%^T
M,[V;@C*83IZO6KVGTWU>).$BT,JFVD\U'58A)N`Y,./'Z,&ETVA*6XKOR/-=
M9[U2^_=SZ>SS'#SXB.)*=Q3_`'>';R%1-;5<<EM=>K6WJM-3R>*Y:/*2RHQ@
MX?MLN=AU:>YP47N5.B>[H;8>>,>L/`'@#P!X!Q/OL16'I,EYJ/&CM./R)#[B
M&F&&&D=<=>>=<ZEMIIIM/5*4KO.)YSZ]\J3;HM6R-I*KZ$>IMTI^B5@-=J!:
M:]=J;8HGY]?M=3,C[#7#L#KCC*9P<V*D2QI.$MQI7$NLN+;5]._3O?.2_8OX
MUV5C)A*W?BZ.,DU)/P:>J?U,6KMJ_;5VS*,[3Z---/Z-:$F\XCD/AUQ#+;CK
MG?M;:0MQ:N__`(*$)ZI7?_O)YX!JK8K<6L$QYU<I]B#]ZN1(++JVF6V?KWX^
MN);ZGYGE)^G5*5]?\_XY].?X\[T+<8JE-3A;;.@)L1D)(0_`GOH^U7.KCNNN
M.Q7T\_ZH>86KJ.\5S_X\^BN?_#O/+*$9*C03:Z&T->-L6`3%)L<^SYD]0^S]
M?N['DM]^UYGO?\?7B5?Y3W_XI[SO_P`?.E.+A+:SE3JJE8:5;IT26D",D.1.
M)80\0D,JZV^OK_.J:C-N)[Q;2.-?12N\[SJONYS_`*<[]>>S;36Z1F3?1%/,
M$2$5[DB//F,OI[]W'6Y3Z7/K_P#/JN+^JO\`[_U^OG.TGHUH8JS8#/[FZ?;=
M&D^IZ4B-?*A]/$HY-C<ZE"EJ1SZ)3(94KG%_;SG%<[SO.<_SYU;MM0UC^DW%
MUT?4LOSA-CP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/,?WK]L]N
MH6L^N7IEZA!J*1]I_:-5W/Q+EJ$8H4S;"<6S&'`DZ!KELKP2:+*VHCR25C#P
M(E$J*U/).=X\\E"/L<^K^/<-@9.'E<YS4KBXG$VK;;HIW;LVU"W%NJBM*SE1
MM1Z+NOG^8Y+,LY-CB^,C%Y^0V]TJ[;<(ZRDZ:MM5V+HVG7LGKKJFX^_'ZXK)
MC^D^U&XY;[@>HVD:E1<;UVWA,,C8#J?KL?TTNS6*5HT*+6[E;:K=LM3:YL:&
M79E-L%(B9+3C+CO_`#YYZF)@?'/E%J_B\/CWL'F;5F5RW%W7>MWE!;I0;E&,
MHW-NL:>ET=:'G7LOG>`E:O\`*7[>7QT[BC.2MJU*UNZ2TDXN"UK7U/2*574V
MN]#_`&9U37[O[K8/OJJ[S9/4SV<.T5MZM!7:_#L6$WX$,T/UZNSXMX@2^,@>
MI91V-*<0YQIV6.=4GB?KU//'^0\3AX6/@<CQV_\`8YN(I^IUI=@W"]!.BJHR
M2IY,]/AN2OY=_+PLS8LO%O[:1[VY*MN379R2;IV5-7U-`(?[0_9NZYN4/X]5
MLVN.@>XGOGIWJK^ML$?%EQ=.A8YC;!(1H'LIKY(83?,VJIAI%'L1I<<?R(ZZ
MPF%':[]'%N<^CE\1XK'RU:SIW88V#Q]O(S6FG+W;M'"Q;35(R>Z,4WIU;['B
M0^1Y^1C.YAQMRO967.UBZUB[<&T[TJ--Q7]**JXT;U54KH/[)[X>AVO>L'_N
MRW?*O:_UV]G]DJ_K?9;36<-C8+><&V71X9)67E14<-=K:&NV6V2PC%B9OYZ(
MY*`X_'>X\[SJFU=*W@_'?D6%E_P7&O8?)XEB5^,97?>A>M0I[B=8Q<;B3W+;
M5/54[KLSR^:X/*Q_XK?MY6#DWE:;5KVY6YS_`$4VN2E&J=7*E%KUT=>5CV*_
M97[8^V_NYZT8'H.(X)G?J1[!UT1-W6W9))TH\<J=HSBEV6M8W7J4[;`P>6;3
M-6:G';'*>0J-#DC&(L;KBWG>=B[QGQ7AN&P.5Y&W?R<G,QV_9C<]M*49R4KD
MI[6TJ;%""6K4VWT..&?\@Y+D\OCL.5JQ8QY_Z64=[>[],5#1.E);VW7]-&JM
M'MQI`V^&*#;Q676D'2-&(5\G$I5OLU9>NE>K=D>C+0*,&:G'-5Q^Q#H,KJ7'
M8B9\-3Z>=3QU'U^O/@<66/#)A/+A*YBJ2W1C+;*4>Z4J2VM^-'3P/KLB-Z=F
M4<>2A?<7MDUN2?9M55?I4_G]_4!0?<R'OWOT3L?L5C1C.JW^QK<AN]U`7Z\D
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M'\E"%+4AOO?`O?#\6[\EM8&)=E#A+V)'+]R='*WCN#N2W4T<HT<5V;HWW/<L
M_)KRX2YE7X1GREK)EC.$=(RO*5*1W-:4=6JJM&H]48C;=9_9[^O_`"\![A^R
MN]8%['XY7;/1V?:G"Z#@<K+GLEH5ZM0:IE;CA.E]O9VP7=S-"=@8>?BV."GI
M4:R\OBHKGT^WDX_"^)?),N7!\5C9.+G2A/\`;W9WO<]R<(N2C=AL48;TGK!^
MET6IQYF5\BX+&7+<E?L7\.,H^];C:<?;C)J+=N2;E-J37ZDM.M.J]W&'V93#
M,F.ZAZ/(:;?8>;5Q3;K+R..-.MJY_A2'$*YWG?\`X\[Y^>--.CZH^U3355T9
M_.#AOMR*](/7[]QF_2JM+O\`9!7[</8*GYGFXZ5R$0T?6-#1BE,SJE1IJFGO
MPFB]E,,?E/\`$+4Q";><2A:D<0K]1Y+AI\_R7!\<IJW:?"V93F^D+</=E.7V
M2T7=M(_.^+Y-<3A<QF;7.XN7O*,5_2DU;26FM%U=*O:G1-Z&R-OKO[L<QR,G
M[&/>PWJWJVD5>ORM`M?I,+]>"%:SLF,&PEF#N8Y[OS.BDM$<N,<>R[%&%2$!
MV%,(<1\L=#*_KSRK-WX%EYBXM8N79QIRV1RG>3FFW2,YV=B@HUHY).JC6CJ>
MK=M_+L;'?(RR,>Y<C#<\=6O3HDY1C<4MSE2NVJ2;HF^[A6U_L]W'01?ZJ+3Z
M*5BB'HO['8.LCHP'7(1)V)1S8C-A-@@G+63K\Z*1:#8J628E6&%`0J2:2+[#
MC.QU.I?3V./^)\=C2YBU\AG=B^+=M[K=/4G-JD5)4K=6U0<M(.56G2AP9_R'
MD+KXV7"QM/\`?*XG&YK245%=8O7VFY2DE^I0:374G!O6O?OTC]C_`%&`>R^^
MY;[9>OWMWKR/7,H1K^!Q,'O>+;%9*K8K1G9&O)!7FWCKA0#\JL2H$QLC])\/
MG6W4O+[]>*Z\,+XYS_%YMSB<:]A\EA6/?2=[WH7;49*,]U81<9K<FMNCZ4.:
M65S?"Y^+#E,FUDX>7>]K2U[4H7)*L%&DI;DZ.NY]%XTKWCV_>ZGN1[C>QGKK
MZ>:OG'K!AOIO+IU'US=[3DD?<;]I>Y7&M,W&50*#43EEK%2`5:A@)L9!6=*5
M(F.3GN)93\:OJC%KCN!X/A,;D^<LW<OD,U2E;LQN.U"%J+V[YR492<IO6*6E
M.NJUY+V7S'*\E?P>*NPQ<7&HI796U<<YOM&+DE14:E6C355525.'U"]FO>M'
M['M;]#?;<GCUP!Y1ZG`MIJ.L9E1RM)D[)RRZJS6@]W)5XA8CS%*FP1JY8<F&
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MG#9V=PWQ=<GR%V%['C;]$(VW%[I3VQ3:<FTY/5J-4M:.FNPFQ:-^W'T^P`G[
MS[9K_KMKU?S@;!TCV(]+*/ATRIP:?E/9$1Z^0,>WU5\,6>PWK,P$AZ8F0;'J
M&E/PGN<0WSK?%^;A8WPOFN07Q_!L9-B[<;A9RI7=SE/78[EG8HJ,W14@]RJO
M.G=R+ORCC<9\OE7;-VW%)SQXVU':G2NV[OU:UKNT2UK+;268]A_<;W+T7WPH
M'I?Z6%<E$U+>/1FM>R8O9](I1"UPL?%SM..!C^B2@$,V,7>WC=7X*%`P+BHD
M9)8C^7+D*CL+97GC>"X+&^.7>=YZ-^5_'Y"5AVH24?<:MQ:A6CV4ENE*>KVQ
MVI5:9C-YCE\CGK?$\1*RK%["C>4Y)MP3G*LZ?TDTHQ472DI)MTJC7O3-=_81
M3_<7*/U_U&\8R8N]C].8&M:5['6?)'HX2G6&NZD<JMTU,+F@RS18QW^U"F!H
MP%6ES61\<E,7+D2%LLJ95VL7`^,7>!O_`";(M9$;$,]VK=B-S6<96XRA;=QQ
M;CM;E*=RC;C':E5U,9.=\@AS=K@,6Y8=R6&KDKLH?I:G-2N*":4M%&"A5+=+
M=6BH16/LO[*:_P"TA#]>K5\P[3-!MN60/8^H^YI7(OZF+R[!1)<S4](C73!`
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M4_7O?^O_`%_Z<Y_GO^/.9Z*KZ&294]$H3>!T-WG$R&9TD?*0A7%IYWX)#3R/
MNY_A24JY_P!?^G^/KYQW*2M-]J%6DC:#SI'*/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`\0/?PI+]2?V#>GO[&KB#L)3UH!X[K_`*F^Q]OK@$K9
MW<+%Z&?K5YSG6K$&"1IQ9%"[;03@TT0986D:R\TXYQ7WH3W[[XY!<U\;S?C%
MB45RLK]O(L1;4?=<$X3MIMI;]KK&/])^"39\CS4WQG-8_.74_P"'JU*U=EJ_
M;6LHRHD]&WJ]*)4592C%TA^QKVRPG]E.;T#]>WH[H]:]EM$]@]?Q4KIEHR23
MVYT7`,*SO2ZQI=YT[2;J);DUNLR4L51J",&O24D9TR5Q#37W<3Q7H?%^'Y'X
MKEW/DW/6I8N-C6;JMQN>F5Z[.$H1MPB_5+]3;DEM256Z5IT/D.?@_(L:/`<7
M<5^]?N0<W#56X1DIN<GT5'%)JM:52]6U./\`[9+QI'HY[13_`&%Q2O&RU@_8
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MU0K%[9J*E<>QJ22DMSVTU:KZ:TGN*YE_];NZ3L6&`,-M69ZULAFY!;MCU5K/
ML+[':H7'V^BMNWH383%5DZ38AU3?K:0:Y/5V"-#:0XW\"^=<<XTOKY^;_>;C
M8.1<Y"%VS@Q@XW92LV+:<9^AI25N+ENK3T-^/:IR8>!\!GF6(X;C/,E-.VE=
MOR>Z*W)M.;4:)5]:7@^M#:_];+:T>V_[D%+;6CCGO-4E(4MM2..)YZRXYS[D
M*4GG'$\[SO/KSZ\^OGB?*&OX-PG_`)"7^NN'N<$O_4>1_P#,K^9GL%Y\4?3'
M@Q^N_P!A,2QCW!_9;ZN:MIE5S[V`U#]CMYT?,LJMQ!`*W:/2=*R/,"51L5$&
M3^,NVL:0C5V=U;D+YN,?C]Z[]G%(^[]%^3\=G9_"<3RV':G<XZSQ<+=RY%5C
M"=NY<W*37Z6MRZ]>W1GQ'Q[)QL'D^2P<JY&&7>Y&=R$'UE&<(*+7UI6G9.+?
MZD7-^B)M;?ZT<E2XVMI?^U?:_O4.-J:7]%>UVTJ3U2%I2KGW)[SO/KS_`#SS
MI?WBM/Y9?I_V./\`[/:.?X&FOC-FO_:W_P#7W#Q]U/`+CN7H5^Q6;4\YL&MR
M,&_?+MOLC8LAK3AB#:]2SG,M`I_='J53D!)$`YP]-HAHA(A]@/M3%NQN)C+^
M?K?._;8G)V>.^1\7&[=C961\<LV(W)4<;<YPELE*M51223W*FNNE3Y.?'RSN
M$Y%JW*ZK'.WKKA&J<XQ:32:UZ2JW'U43V^JA>M9JG_ULWKX.CC(-EI5H)ZR8
MK=1#8V6]@/:TSITJTV<G"&#:E:,:<T\E;@Y2,;DMLRDD![<:&XCKCKJ6D==Y
MYU[(_O7P[ER4HSC"S&4G<5G'5O;%-N4;GMJ+5-51U?2E=#T+>'_=U>C;<:.=
MR44H.[D.>YNB3AO;3KW:II6M-3^H(?`B"H$$7`9Y'@#8<:!"CI4M:6(D-E$>
M,SQ;JEN+XTRVE/U4KJN_3_/>]\_))2E.3G+63=7]6?I<8J$5&.D4J(_E`LV'
M:QL7JI^T\QBM2G7S4O7S]Z=R]JJAF\-E7\CI?^B#V(W$U30S2T_687-5EB=^
M`RCBU2IC;3*.=6YSGG[';S\/"Y?A[>?-6\3)^/0QY3[0]U78J3\$I4JWT3;?
M0_+K.)DY.!RL\6._(L<Y<NQCKZMJA7HFW1-NB3<J;4JL],[]^\+T(=P$I=,L
MUF-J&V62M316>>IM<#&IOLP>U@D/=AALL+XTU`<N5=.LV1Q,,B]+C-P8B4..
M_,MKB5+^3QO@'R)<E&QEV7:P(23GD2:5A6TZNXKE=K6W5).KT5$SZ>_\NX;]
MD[N-=5S+DFHVDF[CGJE!Q2;_`%)IM56CVMZ5T4P_UMO?J7;/_K;3!-)80SH5
M&7[O3K_"B*_*B@+=>_76Y:#8*[^6QUR*M-=+VMT?QQ"NLN*C?5OJD]YWOTF?
MRMCFL?Y5R6,ZX]Q8B@_ZT87X04J/7U*.[QUU/F\;C9\3E?',"XFIVY93:?5.
M=J4]KII5;J.FE5H>B7[64.+LWZM/L;<<^S]KGK4M?QH6O[$<I.R?5:_MYW[&
MT_7_`"KOTYSSY?X;_HN8_P!S7_\`KVCZ'Y7_`*7BO][6?^K<-:,TW;.OU<>[
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MMSEI%3BW]$T?=9,93Q[D(ZR<))?5IG\E-+FT;W3_`/K?2H>EV#6FO:=[?^M^
M.9A>]`]51Y=T?KL8CZX[5725ZH1^J-NP[57BAI`I\<.5]K+LJ;(C\C*ZI:5<
M_9;T<C@?[R9\[R,)6N%R;\X0R*)V_P"VM-0DI:Q:6C?9).O0_--UGFOA?\+P
M91GR%N&YVGN4J0N^M.*I.M'HDJMT2570MNK,_P#UL_I&;@C-@,5\&5N3(X`;
MP2]^P'MBO:!-H,]9'3\YM&(KU&==I)R"5D*@R&DC7XKJT]4AQ;/>.=ZEZ?\`
M>MC9,K5M2E;A5J["SC>TXK53C=]M12:U6J:[I/0W:Q_[NYV8WY4C<[P=V^YJ
M2='':KC;:DJ558M]&T>B=$IP"A?NY@TNI!^!JC2OTYTJGU8<UV7(C"`%>]K)
M8D.(9FS79,EY,(9!9;YUUUQY:6^*6I7?\^?,Y%^[D_`'?ORW7[G.3E)Z:N6.
MFW1>+;[4/:Q[-NQ\X5FS';9APT8Q7@E?HE7R21G2$%F9^^$=R7";E1N?J5(<
M_P#)BI?C<=_]X$7Z)^YUM37'?L[W_'_J^WO_`,O..+I_=RZ/7^-K_9F<C7_W
MZO#^$/\`VA$,T1<<3^[>,AF,F,Q,_4B;&L)88^&/U^1[?B%J;3UM"6OD3';6
MOJ?^OTY]?.2S67]WCUU7-1?_`/F9)Z?/%X?PA_[0CHT,?(B_O#J4MQMSC<_]
M3MP=0KK:_C2E'M_7&F^==^GV?>ZE'5\3]?K]G>=_Z>6;3_N[FNZYJ/\`LTB4
M_P#OV#[?PB7^T(],O7CVBQ;VQ#:>5QXN3L0K)=AO&#7O^;JQVN?AZ-GCD!NT
MBHL:Q#X*C`Z(LDS\<V.EV)(^O?C6K[>_3Y?D^(S^&G9AG149WK$;T*24JPG7
M:W1NC='H]4?1X')8G)*Z\23DK5UVY535)))M:]=&M5].J+\8'"AOR/Q8$"#]
M$*4ZZQ%8C]^Q//N5U:VT)[]O.<^O?KWZ>>963T;9WRC*+'4<N\XUQ/>QHSY`
MCU7>=^GWS7'FHB/K_P#G=0ZI7/\`]#OG9NO;;4>YQQU=38/SJG(/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`^'&VW6UM.H0XTXA3;C;B>+;<;7S
MJ5H6A7.I4A2>_3O._P".\\)M.JZCKH^AA057K57:D,5JN@JZQ+>_(EL@A,`2
MU*D?3O/GD-P(\=#SWT[W_DKG5?Y_Z^<ER]=O-.[*4FNE6W_.8A:MVE2W&,4_
M!)?S&9<::=^SY6FW/B<2ZW\B$K^-U'U^QU'W<[]CB?KWZ*Y_GGU\PFUT--)]
M3D\A2.AJ?4J[)F3:_5ZZ"F$.]5/EA@@P9)G*4K[U*F/PHS#LGO5_Y[U?5?Y_
MSYRW+]^ZE&[.4HKHFVZ?2IQPLVK;<K<8QD^M$E7ZT,\AIIM3BFVVT*=5][JD
M(2E3J^)XGBW.IYSJU<3SG/KWZ]^G/..K9R')Y`89^N5Z49BV*2!#2+!!CJB0
MCKXN"Z9AQ5]7U<:*3<85-CQU=<5WJ$+XGO5=_P`?Y[YR*[=5MVE*2M-ZJKH_
MMT,.W;<U<<5[B[T5?S,JTTTRCC;+;;3?.J[Q#2$MHYU2NJ5WB4<XGG5*[WO?
M_GWOG&VWJS226BZ!MIIK[_B;;;^1Q3KGQH2C[W5_^MQ?V\Y]SB_I_GO?\]\K
M;?4))=#`QJ?4H1J19(=6KL2Q3.K[+/Q@@Q@U*ZYSO'.R"K49$Y_KG._\ON<[
M]?\`X^<COWY6U:E.;M+HJNGY=#"LVE-W%&*N/O15_/J2+SB.0XVVFFOO^)MM
MOY7%.N?&A*/D=5]/N<7]O.?>XKZ<^O>_Y[Y6V^I*)=#",U2K1S;UFCUH`Q9)
M+?6I%@9#CFC<AI2>(4V\61&3/=;ZCGT[Q3G>=Y_CS;O7G;]ISD[2_HU=/RZ&
M%:M*?N*,?<?>BK^?4S:FFEK;<6VVMQGJNM.*0E2VNK3]J^MJ[SJD=6G_`!WZ
M?3Z\\Q5].QR474+::=^SKC;;G6E\=;^]"5_&XGG>)<1]W._8M/.]^G>?YY]?
M";7043ZFA6_:O[_T+3"8_%_3+(/9;%IH4(X",.^SL/&="%V+XW>GXMJK=RS2
MR5N<%;E);5#D0)_7_L[WY&?NYSOGT7&X?QO)Q5+/SK^)G*3JO8=V#7;:XSC)
M.G5-4\SP^0RN=Q[U,'#M9.,^G]LK<EHNNZ,D]:].BIUKI!_3;UBWD=O^[^\?
MM\[GPOV#W*HT/)*ED^5&2]JHF"8/G$LP<#TEF\G!0`A>;E:K;8918\03`B0N
M2>--1&^-(^O>?G.6XZ7'8_`<)[KXW'G.Y*Y<2C.]=FDG+8FU",8I1@JMT_5J
M<7%<=FK-O<QRFQ9UV*A&$'NC;MQ=5'<TG)R='+LFFXZ.B],?/E3Z$PL&MUT6
M1)&!@$*.+F5<67*01<&(1*K3W[DK)3H[#<F<KBO\\ZZI7?KYR2NW9P4)RDX1
MZ)MM+Z+L8C;MQDYQC%3?5I*K^K[G633JBDXJSIJU<395\^B["D&,X<5S[?L^
MBBW(OYZN?9_C_+G_`$_QY??O>W[.^7M?U:NGY=">S:W^YMC[GC15_/J9_P")
MKY?G^-OYOC^+YOL3\OQ?=]_Q_)]/O^/[O\_3Z_3Z_P"?..KI3L;HJU[G#)<A
MPT.D)2F&$L,*X[+=XA'6XZ5??U"G>\^[C?W_`.?M^OTZK_X?7PJOTH477N4E
M)X_IMC:_'8['KXGO6US5-)0^MI:N+<Y\O4_)Q^7]O.(;^OT;1_R[SZ_7Z]E?
MV,*/]3,?J=>Q=[,2+'XSQB.RU\$=$5GJ&T\4W&;^GV,)7]/OXTG[>?\`'Z_3
MZ^=:K?4W1=>Y]M,,L<7QEEIGCBU.N<:;0WQ;J_I][B^(YS[EJ^G^>]_SWPVW
MU"270JN]6AR4O^HU[BI9.<K\::N/WZ\9;5_])$2OG?IQU:?_`*57U^UIOZ\[
M_GO^.:U"B]R?Z49DZ^E$QJ5;9K(I$/G4N2WN\?GR$\_P[(4GG/M1WO\`R^%A
M//M1]?\`X<^O^.][YQW)N<J]C451>9*/,%'@#P!X`\`U=]RO92/ZG>OEPV)J
MMQ[Q:XT^ITK,L\D6*'4TZ+K&DVL/0LVI/]DGQY<4%&.6VP142YRV7408*7Y*
MT=0RKSU^"XI\SR4,'=[=EJ4[DZ.6RW;BYSEM76D8NB[NB[GF<OR4>*P)9;CO
MN5C&$:TW3G)1A&O:K:J^RJ^QIL$_<AZO_P"M<0O5P#Z>,FZKC0G9+=`IU&,Z
M%7\9!LZC%PO0G=!MH5AJ#!%YMLSKH2?(2UUUSC77VF%(XOB/=N?!>7_=Y&-8
ME9<;-]VHN4U"5U^W[L-D7JW.U2:5?)L\6W\QXMXMG(O*XG=LJY)1BYJVM_MS
MW-=H7*P;I]M3DV/]K6;5*^$LGSBL6"PZ?1?8#$\UT.J6$(ZB00SK2-7GY;8K
MCFW:\6(]-G!Q46ZT/'3_`,&7)>>C+[&['D-NJ8'PW*OXZS<J<8XES&NW(2B^
MDX6U<C&>Y*B:=9254DGK5-%S?E6/8O?M<>$I9,,BW"<9+K"=S9*4*-U::T3H
MW5:4:9)N?MY].YQK(:]526C7@QN,/))6?QJO1)*XLZ3LE#G:=70$\P;GA`8R
MWB*+$;GE`KLGA6.F9':;CO/N\:YP_P#!/.1MW[MY6K=O'=Q3W36GM35N322;
M<7/2,J;71MM)5.5?+N'G.U;LNY<G>C!QVQT_M([TFVTE)1HY1KN54DFW0V-]
M-_;$9[BYE9-,$9=I>4PZ[K.K93_#::)8%DBLK++X=HTXT-[&??9?B2)H-QN2
MU]?O'D6Y$)?5KCJ<5Y?.\+/@LN&).]:O2E9MW*VW5)7(*:3^ST?]*-):5H>C
MP_+0YC&EDPM7+48W9PI-4;V2<6U]U1^$DXZTJ]M//%/6'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`82P`8=C'
M]'35/-M=>9?2XPOB'$+:5]?\?=Q2.\4CO4]^[G><^OUY_GG.^:A)P=41JJH=
MX<.A"HC4$?'1&C,\^B&T<_Z][_ZEK5WZJ<<7W_*E=[WO>^1R<G5]2I4Z'=\@
M/E:4K2I"N?5*T]2KG.]YWJ5<[SO/JGO.\_QW_KS_`#X!&J]41%;^=<%M;DF0
MM?5RY*N.R.-*7U2(Z%_3GV-(Y]/K]/\`*^\^JN][_P!-SN2GUZ$44NA)_,%'
M@#P!X`\`>`4/NGK/BGLLUG@_<Z.-TJMYG>>:,!I-HXHG1"5L9K-BJD"=<*=)
MZY7[I%$C;3+=B12;$F*Q,ZW)2W\S+2T>CQ_+9_%.[+C[CM7;MO8YQTFH[HR:
MC+K&KBJN+3:TK1LZ.=QN%R2MQSH*Y;MSW*,M8N6UQ]4>DJ*3HFFJZFL</]5?
MI.+BZ4,"9@0KU?U,#::L>J=>N=J"5$+6[GIX+9;"`HM9&E(P:AAI>D5YDDB*
M*9BL1W''D,H0T\XCOKR^8\_-VIW+RE<LRC)2E&+DY1MNU&4Y-5F]DG&LFV]&
M]4CRU\5X2*NQA:<;=V+BXJ4E%1E-7&HQ3I!;XII1HEJEHS'UO]5/J)1+.J^4
MJIVJ/;AEK&7JG(/Z;HQNJU2Q5W8)>_UJ&+KCUE1&C5>#K\^05>AM]2J2F2ZR
MXXIKJ$HU=^8\WD6?V]^<'9<'"6VW!2E&5KV9-RV_J=I**?:B:53-OXKQ%F[[
M]F$_=C-2C6<W&+5SW515_3[GJ:[U:96V._J*PJM>O3>(:]*G7"+8_8:Z>SVH
M`LW+7',,LN&@6RZP;>'J?:<S:C9=_,LUB@1`L#`FE)+\:(,3WY4_.\CO:SOF
MO(W>3_B&$E"4,6-BVYJ-RY&$8N+EN<4M]QRE*;44FY=-$<.+\4P88+PLKUQG
M?E=FH5MPE)M.,=J>L8*,8QJV]&VZR9Z`8EZ_Y[Z^0[^*S7^S0@6B:?>-=(UX
MU:SEC!@+?I!R5:;LFE#S,N6W4@!ZV$IA5P=#ZW$1/G/N(0GY/MY\WR')97)R
MMSR]CN6K,+:DHJ+<;:48;FDMS44H[GK1)'NX7'X_'QN0QMRMW+LKC3DVE*;<
MI;4V]J<FW1:5;+M\\\[H\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX!&+K<`&>TVV7VU3%#ZQ2:T<MMBG(8?EN0P=<&2BY62W%C(=DRG&(,-Q26FT
MJ<<[SB4\ZKO.>!UT*8H_LY1;-)LH:XB[#BMPJ<)@V7I.LN584?15)@%%DB6R
M,]6[/:0$P)P9UU,KK<U3P^7$D,26VEM_\A6O`C=\]S,>I3=<GCG2^BUTU/N4
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MP>DTR1H5,G'I3@!!>GQ`<BR2S/4&68+D!F*"AOR5HD\9=XU'>[]O_:<^T*,B
M9OW#P&`QFBP6AUBY2]9O5=HE,&5PX.D$"<PW=AU%G$41W'FUH@U\G/4N1Q?$
M..-L.<9XXOGV^!M?Y'3L/M>""Q;X;A9EI=@I=&NX_+_[W!7G8>M6G3)FAUO+
M9-0K7;?H%;++;"W:Q]@S2TV+"",O#YJ$S%J9YQP*':A^U53D7L72I5*OP^%,
MMM:S0I>W6JA.H];UJV4.%HPC-"A`/;R16666`)Q6EDX$*97^$9C$-)!3[GVI
M"FE3M%_:C/ZUI)^@VP3:*F%K]E>I4O63Z:Q$RW^Y1<G'[;+KLHLBSO6`&XSG
M<_LM,TD,A"WGHST=N2I_C:'0VLD(GV@]>#A&MB!.R9_.*VX5/-5T:S8H/YY$
M:,>L<8A(3$6XE^,J)*IQ9E;;R6W>/#);?V_?'=2@-K\"N[;[MX)4`-OMLVX"
M'Z?5L]8O,:SMEQT<;8YSI+1QCM($(EOLR^6R`_F)%4IAUMOD5I*G'>H0T\I`
M*+9-V/8843N-8H]:HMWM98I6*-<;=-#KIL,'F8+15SVJNY:R%GMU==)$YW\1
M->_CPC)4@B)#<>4RE+D;D@*:5!_V>QVO$Z^S,N0!RNFZ:5O$BYL&ACE=#!8T
M>CRZ^J<\F3U]UZ[Q;["6(0PAQ4W[N);XI3C?%!M9VH/LUB,R;"BN:/2H<8^9
M#A:42=M]8D0[P\<J=8M\*0!3`+RY349<&WP&D]F-Q5./RH_&^+3*BJ>"C/B9
M[+9'(Q/2-ZH]N!Z51,RJMKM)N=3#(V>R\Q4JOVX2X;,Y<AN`R],`K9DQW'7$
M,.Q9++Z5]9<0OH4=:=SLL^S?KZ_!!$T[!0VQME@68D%(R#\2)`F1*9PFJU+[
M-E*9C17020LU4AIY3;J$PW^_;]&7/M"C,F2]@<4"Q:E--:;40L:]`2]IJJS!
M1H4HI6:^.Z6.V'XB'([T(&'@?1<J7)2RPQU:$+5Q:TIZ%&0PC[A^L0L6DM(V
MNB.L.4VPWYB+!+H(%Y-6JK%K?.SHX6$A\L[(@]HAIKL7C/Y:Y`J6RAI3L=U"
M0VLY*_[:8$>E"8*])J86;9W7'*=!,V$+%)6D0@().).1!:)[I$5$=8,-L\9)
M-0IG)'VMJ9XIUGC@;6327O>*0"P4%-U.BQ2]BFH'A8$BQC6GY\QRN@;:TTVE
M;_.-\?KMJ%RFU+ZE#B"47B>]5(92L*,HMKWQ]?79XIQ-N$_THSJ9G)H.DJ,B
MVZ:X?#9)6]<=E=G.2$.MCWA=BY%XM2.<0Y&=?5WD7G'NB[7]RWA?L9D,R+:'
M2=UK=>E4D98CUP@D;$`EJK%=KML,4]9PX0"$BH<='($0RU,,N2$R^)7Q#C2'
MDK;0)1F(&^V7KL4,%0#6JUN&5$7.LY_(BF%3`?9%MN-4KUTKHD:X8B0FBBI]
M?M4!SKD?KC3+LE#+JD/=XCH;6870O<?U]S^H$+9(T:L&.P[,NFL`AQJ"@T0M
M#$L+&F"(T.6XPOCL5NPPG>N+XEE;<N/U"U?DL?("BV2\_P"Q>5`?ZM,_M8,C
M7;`3E025L@FQ2Z]4H;.1&MKBFK$07*2U&&DZ.*:E,*3U75M3X[OT^)?%>!1G
M)WV5P),6/-7KE&:ARZ5+T2++>.168TBG0'G(T\PR^ZI#3GX,AE;;T?G?RFG$
M*2MKBD]YP*,A56]S/7.Q5OMEFZG2ZQ%[!N1U#%@L@J&\NHU"_'\^[;?\R/L;
M$FR(!;\1*^I?6PO_`"CBD.<2%&?/?<?!E:!1Z-'O`25&T!BY1J];&YR45Z9:
MZ=:,ZJ4BH1I3C2$2R,\KI$1EI]M78G)*.QE.?D+0WT-KH3G.?8C(M/+LU.LW
MBLS+XFMCK.5I$,\)+F0\(@(KQQ33\@-+GB9ST(9;!C[WXDA]*(Y&*]]?ADL+
M<"C1=W@@\`>`<;JU-M.N(:<?4VVM:6&NM<=>4A/5<::Z\XRSQQSO/HG[UI3]
M>_Y[SG^?`-1Z%[FYK<+P,S^QA;)D%AL$BZ#:I"U4IG0J3;CF?:"4S&V!:XQ6
M+Y;>3I@ZW!I$=/W*;_(^B%-<6EUKJQ=KI7L3JS^S.6!\V:U&J%6];KLNZ@<\
M&HRTQ4#CQ&W6*PP*U"$M$S-GKU6A*:G$FG'G)A&,TB.KCG%=2M'WA1]#]J?M
M-@EO"!S,32ZN)D%\R$Z\NM6,M`"6X-0C`R"7CFCU<ER>$1C;$,DPIW[D]XGC
MJ%<ZI#C:EA1F.N_MWZXT6F66ZD=BSB9!K=1A7-V%!NU97/GBS08L=JZ(3;I-
MIOYK6/"2G!_R*0A]N.ZYSOQ-.+0&UUH22\^P6:9[7$EK&?'Q#\S.K%I0*@ND
MQ<:YV4/6*Q/M9.&"%RIC')Q%`X8_]J4K^WO67%?7[&W%)!)LYN^Q>%LH@]FZ
MUGPYTA;NY_'8G6T&PXN]M-0W)=/0I4WXG3X]R>RU(80I2F'W$M+^UQ7$]"C)
M'9]>RNE1R\JWZ-2JTP!F/#C*C=E$#E#2,<0(/.C93<J6VZV1X%L$"5QCZ?,M
MF='4E/>/-_<%&0&)[7>MLTB8%L;7G7)`(E1!,YU^RCHH]TAIM?1:J''&%9+K
M0PU_9:\O\N.J&\^CX4J4KJ?M5]`VOP._6/8W);A<=8J5>MX$HUBM=KI_0[)!
M-B)=>KSAPKHHJ6&)S(TUU0\K7%YK,<GI?2VAI#K?T4I274H"C_,QMR]FLNJP
MW&C,"R5ZR!=POW*/43\"T@(E?XB#7;9;+.>DF)TUN(N'6`=*(?D,-]7(_,0F
M.I*%=6IL*,E87?</L<`83!:]FQ6`:E+@"I4*Z5YYJ?/;#6BQ.0(W4D/JY.:`
M4<S-6SSGR)BB9CO4\1&>Z@*,[!G:,W$3X(5NU@"UC)C*M8(-:'6&NH,R:O;[
M2'J(:T(9*%QL?@*25--\:=Z[Q4S[%MQ$R'_M94%&1J'[2>MI%P>S`WG(YKQ:
MT=I0QF+H%8D/3[7S^+^@&(TT24X^14@Y!6E">=^YN;'7SZH?:4L*/P*\J_N=
ME%DN=OK+LF%7A%#K@0[;[:>NN=,"JXX6K!*YO12K<2VS%*A#:U#9>=G0US(O
M')'4]4E+3CG!7%EF2O9;U\@PR)"=M&:P(8D+7+$1?G6\+"Y$"V]\=%JY!Q,J
M6TOXCTLQ#8B\YSJG7YD=M//O?:2L2C.<#[%8=9V-+F@]0I\X9CR`3^D&DEV&
M@-7A6:G"K\`)S#S_`%H.^)*U$U'FLRV'G8ZFU]Y]_P!Z5)X%&<43V5]>I[H5
MB'M^527;&'E'P2&KW6U=*AX12>$ESX7_`-4?H\S',"9D9?T_Y)?A24?3[H[W
M$!1^!VS/L-@]>(&11[8\S#$JZ,)&#\(G=:]"D!A@>PKJ9683;D3VU06A]G;4
M/>^3[>HF<ZUWGW_X\"C.ASV9]>%0#Y1.VY>L=53,&NV:<B[`%Q:^<(OD8L08
M8>3.Z@=*<E!IK2DN]1\;D&2E?VJCO<;"C.:7[(^O\!-K7+VC,F>44W!K5PYV
MZ`5+KMB)$R`2`!*-HG*7&,2C(B7$1&[SYNRHC[7V_(RXE(49GX6T9"2#W>PP
M-.H<L#FDN?!T(TQ:@K@JE2Q;/9!%FSSTS.Q0RH325=<^=2.)^U7.]^J5<X%&
M5=3O<'U]N4K2HL72JD.[E\IE9M1&R!&U3*S*`4D]#NP^,U.=EJK$S^^P(J'G
M&T+[)=0G[>?*SUP*,F2_9+U]0^9C=VO+52*]5H5W-LMWBNNN"ZB2A@R`ZPS$
MM$%]:%D(%G&/,.=_P\T2BJ1]4R6>K"C.#_W-^NO8W)B=QRIR)VI)OB)#-ZKC
MS+M.610';L;#C1!:9`QTLXF*AQ'W??(6EM/U6KG.A1F6TG8P><#:"0Z#L-S=
MTRWP*941]1<JZ)$XB0JUEN:)KTZWV>I`8HIFO5.8\IQ<SCBU<0VTVXXM*>A0
MQ4/V0Q5R0P,*Z+3*Y9'R$,9RI%[?4W;*B46.G*_7T+'A3A=*E6*779BX:$N*
M<6U&>^Y*%,/I:"C.6O\`L?A-FS\7J8S5J4WGQD39SP^U&#<2O"W@U+E_@VTH
MMT\L:MB#6Y7T3-=<2E$?[N=7WG%<[T*/H=\MOV(`21D.:UK/!92O"S1DY`G6
MT+&DBQM<GK%'I,UMV8E3'\.3;5'D([_W&GN=0I/%?X\"C(5J_MEA^._P#%LN
M@Q!.T5>)?`(UJ0TRHA0%W.B4HK<T$)BHXIH("F:(/DO]<?2ZN+\BVD.?&KG`
M46RQJ[M&1VXV&K56TNCV&PV*J,WD$$#V800*%Z?(<XTS9!\&-*<D2A"W._3C
MR4]3]>=_^7?`HT69X(/`'@#P!X`\`>`/`'@'18)C94V>-BD(,D@*_%X4@,2V
M'IHWLYGLB%^?%;<4_#_,8YU;7R)3\B.?5/UY_GP#O>`0[1*.%TV@7?.+&J:B
MOWZI6*F&W!LA,0DT*LPB6&GNCI2VGT1I[46:I3+G4+XASB5=3WZ?3P.FII39
M?2"V7)XM9[/[#%R.H64;+IEGO#6:56)#FYA*JBJLJJ"JFF>Z/#FU+>D$5ENO
M2/K/G2?LBHC_`(T>*-;NU-"WA_K'EXJP840M+H2U3\A9U:)GT&V@JY-<=LNC
M66N7QZQ`T3V7WQ]GJ3%-<Y$>@\X^F,Z\XI7/M[WP2K[%'N?KOJ#3C+T>S!CC
MC..T+,6_]AT65;F81S.:9_KX!>PL49>*G$"D':FI33R6$<G,R?M?A3X:OO2X
M-;V=<WZ#"DABT4[OUP<JUG@5-&W$[2,KDVP7\7GLY9P1.E76<MCM4).$9Y*0
M3()9?7*_+3W_`+2F>K<#=Y:DLH'HC6:4+1#7='W9S[6;MFR`&N_PG+`_F=S(
MVD49)ME3]JFNV`K!DQX$R1V5UGB8;:X[#".)80)N9#]']+Q6A]R:AW'V,D?F
M4?*PF>,U?@D3'DF94"FZA685SK59EV9^-7BUF`E)ZRJDQ9[A!NML)8>BL19:
M'A=W5I%ES_3?B](>O@;5#`B!8-"SF_7ZN.U4"5_M"\DN4:]4(,/-2W$RZS%B
M&E2TSG6FWW9D>0A"/@4S][@F[0YKCZE&[%7]+H0[5HD?,;UH$'6P]&MN9`[Q
M$JNA<UZN;0>0[*EF13=ISZRW`1->?"38_P`S:B[_`!N<EAN.PT&[O34B9/U1
MMLYEX]FVTUUN+)L-<UF!5VJ**8SU_?*;GHG,PEPC2`Q6:2&YP/\`ZW`++JK"
MW?N,#T)X0;BK?CK"OB9?5O3D-KMLT:'<=9*,5/1S<O30F="0E>@D0VB#L>K&
M'LWAXY+<GDK2'J8R''G11JHT>$T6F(7+5)1QAI(;J?4Z37HVAZ'>YQ+9K<Q?
M-)+A;39;S4PHFJ2X%O"3=CEPSE.@MOD^UI,-&M)1%;[(E/,+$LO*>=?>><[*
M#=Y:$"9_7*S`!S>!MI)AKM-5=><LT6A!YH2`QH\+5A%P8'U0T:*.KZX(UB3R
M"[,(S'X\J$P](7,0N2R_1N_(L2S>JU+TX]7B=/U@9T0">PN)HH)D%5+RDX3]
M<+DZ>H9P(4[,:F9I?6Y#$\1/GL_D\>'KZSR.V\PE[@;J$+">A\>&Y`C]WJ>4
MMV<]SV1G[_\`3:RVW3(F<M9JQF"+-7XQ+C]F9XSD;7\@XX_!44<DRU1E0OL8
MY'#=Y&`KOZ^,F)G!%B%ZI%O<\--E\M[!(<-.B"BBJ<WFE7V1%9L02%7[`UH.
M3,EQSLA,^&/<<<C_`(;W8\=UD7>RYQ/J04"5?1,KA:`E>6ZGB[F<VKL@'&5;
MX]E&Y#EN(U:P!W4=2):%PJE2",R5&<2KL@@2;3SJ68_T6)N[]R)7CT(@72^R
M+?*U&?,!RKC;KV[GMNJ$"X4Q)ZU1KW"EQV@T@R.'="%H5Z5'--N,.S2L<9":
M1*B-H>2^&ZAV#WIPRW4JW7#/L!865$LKEX%>#EI@#3)&]"REC*V2BLUV?9C$
MLC7SM1M)I;`UN1)-]GB^(A343'D-RTAN,G$]'14B%<UV?2S9FR:09B62\'1E
M=#@(TT\R_LZI#P(1QXGP&.7$V%;++"WY:VOXUIQ;KSKSZU!N/L5Z0"FT6)ZQ
M:4<-$[@U04V69!`BPD>4_2+-3[,MT?#[)**@-EY-00CJ%NR/Q^/=4GJE(3X&
MXJ.?^NBG<D.7'6]?:M2.A7*[>9YZK0JK7W:.-IV752L<$QA]KABZS9ZH[E,$
MBR7G_P`LQV:^XO\`#1UN)V,H7=V1:7/3EEP#*%:)M4NP6&TE=`82;:J=9J;4
MQV]>M@3UW8$BP;,N6V[*#4ZGI)\^CKKDF7Q_O>(C\2VV)N\#J?\`LSK]8E6Y
MR1I0)H#H=0NN=RJQ:J=#?KMUL&CZ20O8:9HP[EM$0]%GTQ\K*&UEEE`TI"C3
MI2437/D:2P&ZIA^_K[A32U1+6G7#FBO5J>%E$.Z,!>L4FU-]HF/TBZKL,Z+:
MA$@L3L"L*KI"#)F]EI'RVI'9+1+CR/A#<8,/^NJ8&<*D6_8&RSK)9WVAMSLA
M>E"#92U4]*LHD3(A&0:,D9*[P>)8\.DD#KCKJ'7)DWC,*.A41,,7=Y&0K_HE
M`M7KWS,+T6.4Z>6T_8-,=ACB`X_+KL2Z-7&KY?3E%8Z(T29#RC-YU?%M\C]^
MQYL&AGCJD+Z[T-VM3H2OU[#"Q\*48V9Z#*HG&2H0(#JG'PU2TWOULG3@X4?N
M=E='5PU;)3=D)"'W'2!8E*D/22CC<AI#`;O([XO]=0!FSD;?8-*E6:P6(M#N
M-B,RZA'@DFM!B:$2NBK%3&X-A0`J<"<'+/!9$58^?*5$[][<UM;C_'@WDVA^
MC03AVXG".DV!;=I/FS$"M!`@H'3JC'-Z;C^I3HM8KZG2;8N4;L.0M/F'67&F
M"<\I,F_CLON=^HFX>OWJ&6R?1I]J/7>4;K-/(S8N2UG@T0RZQ%*Y#C.;&;38
MC,./'FRR,]&:/):@=3\$;LEQS[W.*CMQ@<JHWM\&3'$C`@,TR^8*#A+,AU;#
M#Q*=&@M//MQ),]QEER4ZTAQUN#">>4GG>]XTTM??^*5=X!V9$J+$BOSI4F/&
MA1H[DJ3,D/-LQ8\5EM3STE^0XI+34=II/5*6KO$I3SO>]^G@'.E25I2M"DJ0
MI/%)4GO%)4E7/JE25<^O.I[SO^.^`:3V+T]I]EX:KY._$4+LLRPFI<*-#&,%
MOX@W[6J]FBC4%?9"Y++#!6>D&F3Q"N-M];D=Y\WVH\&JD;C>BHF)ZVM^OZ++
M3YSK=^SV]2['9,T(7,!;G\U5280.+HM&N.CGN6QR96J%`'R^MDX,/B&6_P`6
M)%:9;8X&[6I`5^C(RD#J;2X?LN2J\;DP0[G[18?!'W`[K(G'JME13C=A%VZK
MG#5.-9)GS\9^L!_XZ?&B/25QR;++$=,87=7L91K]>?1F;NTVO;&\+L+SA9"K
M3,SP:9'M0+/C]GQJSQ6*O*L;:%R'@5I<E#WY$V0J'*90E[DQA<AI\-Q8FS^F
M<G8K)3R$O7[`'JU3HS%38J/\1()162C%.TFF.V@'_P#C-`!"2!L?HB5$U2!D
M^4__``T%N/)B-<DID"*5$0HMZ'R9$JZ2N;3T#7+EW0`9NICJ*ENH`\PT\C2;
M!I0NG#C-U*M4J^W(_0HQ(B>BJ2*7.?DRDA&Y+RWNAN+"TGU(":GITS<JYHS@
M8Q/"Y>8I<=(,?::8,OM!O%>NT33'8K147(LG]PK]0!@IK#<R+Q0D>A4>0T\K
MCJ`3HJ%83/UW#)C%6AR]+2:%UR6.GR`MAJ!7HBP22M0)TW48Y>+3]"I3KH2Z
M0I4=Z`/XY^((<9<:>01BO]CH%W%CT_U`/T^IZU51^WGHG]VS"IY#GIT!5XM:
ML&:4ZC']2L%;7)+C3O\`(6VQ*>U&0Q.GM.B%O,QDJCIB2'''_!'*O8^I?IY6
MYN!U[U_M6@S.CU6;="<LN&@_P4HU)W2M[N..!0L4N=LA"*@!"V2:_$Z_-)3'
M6Q:%27'NK><Z&[6I45A_6G6+/!%=DZ1)K9Z/7R$(V2I=8FQ(1RWD=!;LDK1E
ML72ZWVPMVN;0S%DJLEQ\M,2[`L\QQ'Q?8RRD53H7UJ_J=#U'1XERY<UTVN\J
M=2JQ^K5,"_`G7:-2KX(NU;CW`TJR+"E!57<@24!$I#-$0[Y&4XS.ZP\]$<$4
MJ(UEQ3TEOL^+>9>JFYU42[58.04"`H'2.6-&=`JMA(0<8LW*=9K/7W#2I&-\
M3Q;,_OY;<E3RX\!/&8+$*Y%O3O1`5)KP\/%U`["G`G*\3KY3M<$S&Q]CJ`@1
M&K!.4*DR50R<"*<`Q9DN"OJ6YC*7(W5H2OY$TBD?G?2BQ'M@&;%HFXS[@8%&
MZ]8(@UFGRQH^+*$W'';Q+#"F"M[L\$%44F,B;X-A0H[#\1).0Y+DD9"6W^!N
MTHD=ICU(FT##=.SFOVL[<DFQ./%*I"A@JY!L,*[XM5:#7P\Q#M@LXNJFAAR5
MF(>2X,ENC6D_24PJ;\<A"XX;JNI2U#]*B-KJ!&V;1I80<Q;[!J.A:[610*L.
M0H%]E%O8`4/GL7.!9)XJK1J2!UMU)D6THDV@X'^J"76NR^S!7+70G54_7G50
MY<79'-&=MC[P7,"16P&@$R:?+Z32W:H]8=*$R8ESCTH9W5&*XMPLPH%,EID3
MWEQI[3*OQ^B.3Z'>TWT#[>@]A$@]IL-/9M8JT`+%%8KZI(@V%MER]@;G.CF!
MXBSUB24=&%-Z<D04/RG('YP:,_,BS4+<C^"J5'6AGH?IY$:-TG0\VU]J!;,Z
M.W&?52\NI";=5NDK%HNRFKC!/!()X*X4YR%KQ<0KC$^%*BS(K4GKGR(=86)N
M[/H?%&](JI2\PU/(@]Z8_D[22J1@+;V0TR=<:U$I5TGZ!ET:X1+)<K.(M8^N
MVOK_`%+$6&`'3HO9#7XR'77G^ANUJ?%J].BQ5V7:9V[/UR^'+68/ESX2KOUF
MNFS%VYZ^"2=:=$P+W#M#56L+.%L0'(,:P-3Y#!=QCDS_`+:/O!2IVT("OT*[
MG&:5B/3;C:;E;\N.5F\5*-`K].A23=OJ-7]?ZR"7*@'[360$H;'E8-$G/PWR
ML#\AF6[&1+CJ0R^D7=5D"IGH%RNYX=O&P77/@=L/4\C:KM.N0$[/KV67]V5R
M;/O%;*5O8,_K-4X!K<&-Q4F(AN</*P_S89E#*$MJ@<NR-VI/KX-OU-Q0!J-O
MA;0.RJ[C[]!*VZIUTTU?68&?7&DUY=FCR5$!!$NRW<$E5%66D*?(1D/-M-?=
MS[*9K1Z%62/2-IB+,Y7]/FA#4S4*EI$:VIK2^VFJ.UN5<U3&J*5%6@)_"&S8
MF[S!;TN8@G`=%R),64/EL2G6_!=W\QD+KZAU.X93DV/:#?690BF:5-GQ'/X0
M<*=OU+)+MK\S'RD.85G<E1S53(\CD'XJD.2OX[\E$=E/U;;#=1U14T?]=$IM
MBKQ2NWR[W&K5)G!NQ=)I94_$+76P`"PZWW.5"`:34(8MNSV8U(LCJ!;<`TR>
M<X^V8XTU'98%W&P-@]79]ECXDT9U<^=FY51A5*LAVRAHQL_I"Q5\Q+1TV4F0
MZ2B-B[!/LF)Q>RG5-3>/,D'^?3CO$/<$W4(SD/I37,CV&3K$:SIL[LM1PKR$
M>#F>DP]L-\*C)!FLS8ET8JPJ)(JA'@^2T\"F3GE(4XB<RVZMCP'*JH;N^#(\
M`>`/`'@#P!X`\`X)7)*HLE,-;3<M3#W(JWTJ4RB3UM7&%O)3_P`E-)=^G5<Y
M_GO/`/$BCY![MQ+K6S2G]OHT4[8\\>U*QFS]5T8^<TRL5G-H)D^F`+V2LQTX
M/-)C[9$:@25S8$=!)N0T"^/D/\4<C<:%@",;]RZM7`Y%^V[]999`=0&=-"O[
M&-+G7ZVNG8`:U\=GJYIT?`!7PA;8=VBBIL61"<C+>ZS#D1(JXBFQ*Q\@]EWN
MDNK$CDBX;Z))$>EJ[%'0[H`M9L#EB<](D*DU)JT>\54:6TY5JBBAQTQ#-1#:
MGE37(1-OB^25A6-3Y"9E[7#9&D6WM2V<25-Q3%UGT*/[`F#E:?L]OS3U1I[8
MZM%DZ$*L!QS-(P[0GHL%L@`:GE837?RT.R(<Y`-KR_%2(!L2]R>PIQ%S_<\/
M1+15Z:T4M4[1`+G\3$#9QO\`1V?X2,1OUR'U'0XTPC6WYDB$N2]([)0Z^0FK
M_+5X+6/V)R#);90_;#(<TMUXTTC"(:;9(5)#_P"V@!^&_APZ![2DD.ZQ47K-
M*N]C)S6!U4>A'IH^4YQJ-%:<GM/H(,O":-5/2?:Q=G-Y!IP>E,=DV\I1;1`K
M$?G8'.OG90>6R+:YTK_]3.=<F+1S_P`C_L_Y_P"?_'Z^#*I77H>9=FQGW(^L
M4W`,Z^6L\0]8KC5G)6KLOAZYIEA$^Z%1K,HB$;M`\8_F-?BV'-%3`_6I(]$1
M/S=B/R$D%*&DX^7XH1"9@_N4_6X]MK;UV)Z;$JW>5>R7QP&+NM4?9KGMR,<J
MRED==OQ`L0$?[,A1A)258EK=65CKZ]%9CK6P+6/3L31C+/9$L'Z+T7_W07+@
M\MA5OS\M7-!3G$:!G]3V^I6N^T6YUP?MI4\3UL8#:E\:(%2AQTR&C14=()E_
MEL*@JO(]5*/:V+U4:[<8H:Q5^+9!<4O$#VT4H'9(,6:CY8S9@.XZ\\,F+8ZE
M:F'%<=;XKB5I2OBD\IQGE5S(_<F'4SI&19]D!&)*9M>X*IUGKI6#!J+>?A"S
M3P&BC;C2AR#AK38TB++(P2@H^U#D/]B38WU0OP;K&IS@<:]HB=N4Y($[!G<*
MYW<'8]-<A;9P_P`#"+(KTUD6*M9]>)EHG6H:(%#*?>!TY0U`UZ1UA3K?WO.P
MY'0JOQ]SJ!Z%[--PJ::W(5[&6"SYY?L'O<\G3-1813IF95JE`!-D#=JE6OH?
MEBOPR]/%9]E:?'2'3$/ZK8?EM=CPFPJNU#?[72%WO'K^LWFPJ^"3]DA9S87J
MZ-?@5'4F*7.L]5,:+6!3Y`G#AUS1GLZ44@Q>_G1UQ2JD?'):6E+R1E:/4\U*
M=DONC0Q0EG.Z_HX67*/7IVKUNX6^IO0(?;D_=9XN\;)<ZY=')QBP4*0:8()'
MSHUI%FY3\B.]'3)_&G1X;K'N<UV'^QT$I1@%/$>TM<)W2H&(E1$F=/J$S0.:
MI4ZA;OQK%JML_O))FPYG7[\;&RY$7^0DP78;R$M#W(27HO*%3O0F@W"_;,0Z
M=_AGKC5F`B+I::M"IESKU=$V&[KN04O7&;#'AST2C]>>8G%GOXXBXJ$M#RFW
MT=YU"/!&XFU/IM6_8$`#T-[V$LMI,68G;DNMC#X^*@,,GQV'FSA.A&&]#O;Y
M&D61U;#\*/R.`BP.-];9&1E*>3X))KL5;[?B/;<]I`B+@(R\"PL7-K5':M=6
MM\"$(GG3]%UT8_!-"#=^"@@QFM6?^J21,Q=>-RI,B9U3<D>S!E?.$=M-2`$<
M>]CD:Y1`QF/MMXSBG[;1C^<EY&H!"8`)3Z_IEIL%Y+[)PY:HUAO$IZNSPG*[
M\T8K-B_AK0S^+U#G7A:JG:M#:OVI@;;(1D9'#D6@F>#Z-%D%:N,(L`::<&S8
M3PS\_1[(S:*\;&UZG=F*,-QF8QR&6?A<@2QSR9#;K`D:=S3"G"?>FMLC4*!;
ML7#FF`M;5"M.@9T=M`&]J+^N,S1;Z<)R;HXTSF<WE9O'0[,-^0[';E/,Q8,>
M/-@LH%>WR(U?<1]P9=%?I!E>]Z)7[%GH%UR"/UFLK-\W<Y4<_P"&Y5Q*F;2'
M:>QD60&V%J8%9Z^+Y+E-*8@N\6VXT+6/D;L^Z96^1ZOE]>RPLX.T>X:':`M1
MBPY@N$4)EF<"VLJ.8'22B>M0W(QD?$>5)YUM$?[.*=<0U]_>C,:=^AI-J-5]
MS+Y.+V]^NZU66H]W(7_%6K)?\W"TG*1U>L.GD9!7;@S-S(")GT$NU64#;ZT8
MZ,_'<[WL53<WCPTMIP9!7MNWJ<7/4[1/9N)BX/3A5:K+DS?!4@W)K_+%4&=0
M:(W&I6H^BW,P!7\DS#EL%9ZX'5NHBOHFM)XP#HO"I(:-E7OA9SK,76;UK@B&
M3*9NS<8M3L@ZL#GZ>Q2QTAV6`O`339CX:QB;)`E03T4-7PKY!Z:N0N9,:;B.
M<$;CV-N?4NMZC1G;Z.U,!ITJS7JP5NZE[99;:-L]3:)MXGC8L_#"Q^VZ>[7D
MS+PP9:Y#&C6("7X3RN<0RJ*MX25'T(7ZMYG["T3:]0T'3:M41E=]BX1F^V)-
M?-S"5BJ=WKEPD0\^"WI,R4L7*,]Q.Q#*]U\+^1!0FEM\6OGRLJ<!M-478H0K
ME'M.<LTV4M/L-\\*V[+4JOH475$50I/J=_T3`[,Z9.4AC3#54K,(!2P%J!`9
M0YC[%_BQIK0X;(E<^HNGD=B5EGNJ>L-B%+/;B#`-F+_)L))C6A,!BQV:"`]C
M965$,NE0[)).5W-THG42//@.<'\E$&H_YD=U3)=]\6L:=BP?4ZZ:F6]F=-J%
M_M5SL!>NT*QS-&BN7VK6[,!UMG[&:CY\Q3P%;.%W,^*0<SAHA3Q\F,)<=DQ'
M5*8??0_*<$DE0].O!@\A+]F/N#<+OM$LLY9;#"'7Z]D<TJ\@6"53(H)_.=I"
MY19*D9,6^:'<G,B[`-%&AG\/!^4A(Z_-Z_Q''5NYNL:'8/9)[D*BZ";B6?73
M1,Y&TN.+IA:X4TA1/QK&9]LP@D<Q5)K?\1_'1J6WF_X;#W>LQUJ0ZI/9#A)2
M@K&OX\CI:)5/=ZO5B]HJO-CLTR[\M,B*^/N@5V;G9X?INVNYLJD5\?:J1Q(*
M34&:@/E0>$HH],62W-)?D_BSF'PK'N=5O-_:"N%3,UT7ODH)/O\`H)S4Y5:M
MP&=?I]7N=RS6TPA.('B)])*OB6F..)D#AL@<U&CPR##".2.1NKA:KR+Y]::C
M[>"KC%L>VG[=.EF:A91=A%&K#7"-%%%Q5"]>4TF4,!5[J(T$C+MW;HJ?)AI_
M\J0J1]W?QN#TMTCV]BML!ROV,,;!B=\UYC8_PLW8M?#;F@7(#*^W2+1E(D)J
M!"`/KA63$)Y<8NS'/ZTQU/Q0UHE+C,1H:V.*!M4HB4UR/[?FJO[K_DBM$I9V
MP5A].%CI5@#E7@-^>*ZV,GNYU8S5F/L/P>@&*K-C.N00P9E]_P"-F%UQN8Z\
M)IH55HU&]UJ15]!"4.;O%[;L$BR-U<](T,:;M%.(`M&]AV\QEA(O;72I10>9
MI<*B1"#<PDU#4B6B>53+4R09>%K$R5NHWN&F&8D&9N_6&JW@AH1#1@%%NE.:
MN8R.W?-H&92$RKCY,/#JHE8<A3WRS49]KDD2ROLE2UIE(<#T]-""A,Y]O9A"
MHA#=7V>J4K/>^L[CU>KMX::&.DLVN.9B>S!4X1H/&RH4A2WRLZR!1PX<.2W'
M4RZHG+:;5X%5]SOQXON)6:;9+]>+9L],`Y=E=WT8@Y>[S2(S1S>*;3LS+&QA
M*0.F3F)6)6ZW#SD4)"^1F$RA^6XVTS$Z/;\%]/D7QHE;]O;#CF4EZ-8+O"TI
M/K[K-PLT&.7"#HW=FN#F93ZO4C<-]X;_`"O:J".VN&"9_(C0FIL*,Y)>1U#2
M_!E;:^1KV0R?W#BH.&JJ6VZP7,_F]><!V>P3A8IJOK&T#V_"B8`VLW2WW%BJ
MZ57"ULI46014X]/+I^R7,?=^6<VA0UZ?M_D)F2S#W8(7#3@/=&V:%6&KT3@5
M[^!*P!W96=A:=I4K)CX+12MJ++>*2)L4!!LT-D2.E3B+JGYKCR?JZL*QT,:?
MHWON+,BPX"[:OP&)J5XD54M)=`7`J9O,ZFPRLX3>BG]IKPZ$-)F9S\2OS"$`
MI%$265I898XW%ZX(G$OS%,TVFH[V&*WLEM%GJX>F:M4ZT5L]_P"'@#S)%K";
M4+D76#%)-,3C,RRNVJ.,G/P7'HT>+V*E34=N*E8-K;IU-)KA>_;NC@IAO3R.
MSYW`.W!Y[.:L+OM/_M<743CN(08U?=58+R?L&DY`&+3+3`ZF*TEB8_):=B"(
MS;PSC<-4CVH;<YB/]N`N`[M)T1^^734BMA'QAU80TJM3`#DF:.&Z"?R^RP+_
M`#9UAK#0J2\7#P($BO?=V)^%#Y"?D=6U3+VU5.A4X6F^]Z:.BRE#>U=MBPX>
MIDJ[RSTN/([08N<<D64J$!J.&AL'7"5@@_#!)O$Y4MHFZCBI765O/*![:]C.
MW+$-7-^KF9UT36]P:-Q=C]KC,^KS[H/9NLZJ:V$]L(&<RM9Z/LO0UKASS&@5
ME\BS*D35,?DJ=E(ZXT^I`)JOY'<IN=^X=2V3):JJXZBQB%1/Q40"A18_0)Y>
M"D302-J"Z,1:M]>=_KQ5E\T/#S)L(HD2^VYV.PTMJ#UP*IJO<Y]+E^Y-=NNV
M/40!L]WKDFQW3M.*P)55$2%3;5C^C`Z+5:W5+!;$@F:7G%^C@9G;*PH;V:LB
MCLZ(X]!ERG`6VA6U>I'MW3"$YFM@MZ17X&U%+`9HDVRUR/7=!(V7=-A/QFJ?
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M:U[-2`\?79-0M$-<45P';@`',)65M9W3GA8<,ELM%.#]@_WS"(/R)"VFUN5_
MKC3LA45<=CE":7U-@[M_[@%^WN1LU@'<8F+!QK<>XGXQMLA3K&&(4S5>E$V`
M7+M$".(.@;O%JZ8ZVPY(G.3*^]N5%B,S6W1--OF:HGZ3[O9_.MDG&6=7/PXN
MN[KJL^OVV\U\I"LR:CJ9V[YUG%1G6PY*='4G>:+I[`_K;2XK(F55%-N?B=[]
MST+6+ZG7C8I[L'+%8A5KT*\$RU4N[CE*LDJ`*:KL-0G-]:"YSJ-9/OVJ;#[(
MEH*C8-B%QP@]QR5+<>D\>4GCJJ*Q+>P@9[ED-_JUNV4G<JK23]%[<I>?<B"+
M)4:_(N<2T&C&2'CXFX-C!EJS"S&!46.00+(NSH0M+46=V._+^T'MIH4A4YWN
M]=+73+&'O%N,YW5-9TC/8\VOI!G!UV3AUYI5/`GK=(@V2O1HH#:08&W1R$]]
M@O"$3I''U0^3&(/>"^FA>7J6"]JIV@CC>TJU2O4,2.TD@+K5IL$)Z.H]8PN#
M\'"3W'+9<[/:(-://75H3(F3&HZN(7(;BQF%#F&1);::=3TL\&!X`\`>`/`'
M@#P!X`\`\VA_O](C?V(9<,[$5RY5DC"'':8Y='4%:\4-:_FN=A:S.D3JY#@F
MS$JL:;`/M2A2Y@R='?CIBON)>^5`WM($*_9!;WF!3I7(Z#WL6K5_1;<FL[#(
ML?9--MD7U^FAPV9HY08"[SH42/OK"),%?X,9;H]KC3W>%(W60V'V3]^M=,T^
MU/TC,\AB6L5B%DWR,3.:F?-4T53?Z)3KG4!)7H.B1B$ZZI[<FV#$-"XL.(RT
MB2U*=1)0A`;574M6@>X^FWW4HV>Q</A#0<[:K%DD302=L.P*_(_UQW9XNE21
MS4FBH=.&V9&,NR1$6*M421`,1^RY<1]AYE0C2IU)-[+^T=NR:QV"FTZM5*9)
M%4:F%)!FRVR4+,)L&P&M$IF>.U>JQJT739Q-9LE!7+L77),=;`U_BV$/K;<;
M\!)-59RRK_I>>^G>3Z@._IUJUV75O7<8:/Z$5*R!))>DV_/`=OESK&)!P3+C
M2T661(C]3#8:2^EM2FN)3U'0HMU.QK2']\=EI@VJ4DWD36LZ-:)L\[5W*I92
M<E^Q4)-AVQA$8FP/H#<8)?G8V0O,PF.IZ'^R4AV4091%DK5"[4;6^[&B:9G>
M>45_*29P99K3J$"L.JK+F413\P;RBW^S+@#26V-KS87UXA6HW9#\_J/I$0ZA
MI:75H[Y21I74U@#?L1NZZ8'.(SRHW*/(I40G*LXBRV`9,CN4X#C)K7=*LN9H
MJ!2V`LY@"-:Z5%1("BIR3"@HYV-]\UGC8NTSH[WUOPY)Z58:9EA\2"NUD0Y,
MJM\.#R1;/"_L$9P?+W*D'+5>5RS6QN8-23L">R(<5D<]'7'^]V4EEL-IM[ZT
M[59=KJE@)W"H@Z99:V9K(^>+K5HEV\*N-<LISG7@KD8S/KM6EN288/28\*5Q
M4-"%2HKCC?>M.(YP9:H>?9;W(VP/=2^?3KB!BSQ_NOV:\:?JX?C,'TG%;@UB
ME@$OMH96U_.1-$9_A5E>H[,3&EI>Y_WT\5T:VK^3^4L:N_L.L%E_DXT7/:=!
M6+BE'$&I]FT+\(]-.R<#BX^/K=78RI=YER+_`"?806WU,N#!6SV/QSB>M2DK
MCAM_'X^A`X/O7N=FEC=*%53-8V="@TJ]3*1RZEXQZ916?6#/]JLK!LNJE%8\
MJS"CEAD1@2HB(D*6A?.S%,\:[UQJ7:NG<FA;]B-S96^R#R"F$GI@BSZ$#Y+U
M.?$_$S.H@M\,E(=Q;BT$BX`U.0O`9;+8E'Y$-I1+GR2_K`D)=$VH]0Q9**7'
MQ2,-Q#C,EI*_HAQMWK+G_1Z,ZII2T)D1G>=;<3]?JE:>\[_GG@P>26>^W>R"
MS&?A95PI&Q&]E`%RL5J\R*[G%?Q"RL76YL"!5HMU$JLMV/3[K3:D1:"L31DP
MPZ4!N<5*>:><5&AMQ1,P_P"Q$\>`IL3>8UD#!NPXDC&H9:Y6<N>LMHKTW'HQ
M>N68+6<Z).B9!)O7VUC5PW)S/6Q+[LMR*RZE;=&TAU<]U-,O\RN-5EVO!A%L
MV#UDL\^59[4,A'P^9;;=,;"1\VH(R-6)L"]SF?Y<J@M)>?A.L1)S+D=:G5H2
MU"[4C??V:V]>!9C*NL$>*.6!^>H96JV6DGXC=C(PPANUDAD217:Y9I3$MFK5
M@C+^5YEJ&PS%<=?>;0COUIA*KH:7%_>?7J_RT7F?3<LGYE6SFCF/X8;8+3S1
M2%`J?J!3O8\&*B_41(`JN\XK8G(\ASG50OPD_<USOV=<6-;5]_\`&=^=^P'1
MJQ#(EKMZ_P`4$-J5446MT1Z[EX%EGDR,3V*(5294@!BB0744\Z,]?_RERBS@
M^=&8-)[V(KL-?SAM79DL]?O9[3S6N3,PU>)2%,673M;K=?M]7M4^T5==DI@F
M.;B9-3)L"F"OO(":F)FFI+I_HYYYOLAB)V4Y!D\0(TJ51)/;O:]NSNZ9Y2\J
M10&85O"BS+TZQ%BHRPN6"'[,^L&;,!F%L@#XMFI&@.N38Y-WC#T]IISY(R4N
MM(XZ$4GU_'4ZV`^XEHW36FZ)_I.2."5X3.@6^^0BA`J+K6@0!$$E+CP9<ZL"
M1\ZG&T3'(<"2F4V6=D,*^:`TS]7$PKC15J=K9_<H_F&Q6K/!N-E+=2\XI-;N
M^IWK^3G#(U5K1Z'<+`4L?VKKDT%)`UNKT.=\J7"#4V80D--,L=98E/HI%&JK
MW*B`>_MZL)22$S[USBHK?3^:4BK64O:R@&I13>L',=>HT\].@T.9`B@#U!VN
M$4CL#53B'Y0Z1'<9::?8E>"[?%FS'JKOUUW[_8!RQ`J77JV-3ETBGC0!HN8L
MD5%ORFJ7*QQ;6[.&#1[S<.PFWFALF*E'Y,1'U=:;6GOW#+5"G[Y[[3<^TC71
MIO'BR,:Q>QQ*K>-;=+S(+`8BX(S^8F1)@S*ZV)E,&RNHC8H]F*1D2.-1),F2
MEA#L5+@NVJ\V14'[W[9:9D@4!]8$ME9-UM-%!)/7DT(&SK/FM7VTOH=221[G
MTCA*UMEL4=9%MP42(3T<NPN5(BNL.L+%VKNS:FD^Q+FF>N-A]BJ!4N6$.L-?
MK1FP1!A;4G0:S4I!AD#/1*2+>_B9-V:#*=B-<:D);1(9[U:ON[]!FE'1FJ`3
M]CD^X%SLFJ9(M[-F0<";6=+FDK7+$&7]!DI7A!9Z(!HA1S^`UV$3$L06(;DP
MKTF5;:3&[%;>EH&MIL-ZF^Q);V*C6ZP]SVNT8*)CTIN6_!LKIHX8N9VI#+!8
M43(:*T)BQQ`=N>S&B27)+TN7]BNN,Q^)2E0DE0W$\&3S5(^\&E5C4K!G1/%X
MEVY%UO2@@Z3G1"Y3YPS(L^G8X#E6BQL]I!,1$M4.=K:2$]N5.&B614!W[)BI
M3D=E\;VK^0P+'[`])6P*)OX)3&0KU0$7$V^UMT^21'0W\GH&W'(8R%W)&(QB
M2.I&@QHL9;DB&W++-+2KK$7[9'0VKQ)]KOLK?LQWJP5$1$Y;XST2@0*C2YAD
M-4P+IVVRAU?ZL_8U5"SV&-`X3L4>5]\5/5(3&6GXW>+2A(B545!8??76I=.D
MG0.<TNLW@<#59!=;):')L>?G`Y%^0*8<M)QG-1%K@3X,ZO%'&61S:&_L7%4\
MZ[]SK#(JBFZ=B^-_]X(/KSH46@6?/G"CKP,3:GBHZTL,,,58V*M($66Y%DA>
MO.*G;M"KU,;:^J>_-:8DOO?HCL=P11KJ4)&][-&S^L_EZU3FWB86RZ49C]KE
MS!O-V>KCIGMJ/#U^W](4&`Q4VP!;"HZ')4%YW[(*VY<B1WX9D1\7:NQL!E6]
M;%)]@+EF.F5VD]"E+@U6Z_.J%XF'6ZE9`_KWEFGF:_!C3L^JLD]4)RK!,DME
M9+[4_DQ_K/X28Z4.<$:5-.I4X_\`8=_<RDBG#<[+5:P1C5+BRYC%K"3GXT:!
M81%+VU+;!.J3(RTY=L1.)2IO%L\<E/$.2&EQ7.(3P7:2_'_9FYQ_7RZZ1=BP
MZWVF!9L?JM1@DXY,:P;LFB8Y@Y*#7H[.?4NV6"5./W>]RW6&HPJ6ZIV3QK_M
M,<XMH1I5HBJ:;[OZ):+;7CX05`(#-:9!0,_SBTGX%=`5D_>J!ZEV04BT7T;4
MRYAL77)&@V'O'6X#[\^3-9CI82I;/&1=OX_,DU5_8Z#T$_0J0YC3[4S1TTT=
M&BE+<.F0H]ETJ313N9@)".5YQ$YNUY@2L]H1)2G[$0Z?)2E*_G0XT&RG<M36
M?=*=GQRX5BOY?VVF:F6O<29Q%GEHY!`9]`]?"UFNY,,!JEFM<@#7P>ZJGS8X
MN`2)<C!U?`P^N2A+8BC4[^F^T=VJ6BU8%2ZUFEUIM]SC,"M,+S+R;K[TZ]:M
MI35-`29Q2/4SHYG-&@KO)?9C3+I&1)4U':CJ4^CZ`HU1URGN<^FBY9>`>>P7
MV;GAND^PUL&F;I_'OA*-DL:J?W`/1WX%:*M:%;I4^W,<&(5P7`D1&E27I+'%
MM-K#;J0ICWCOK=J_J4[%JG+G5LU3A6@2ZUL2BPYE>DG\5`T-C/9L_/0T6W39
M#F[#%DNSW`D:$J#*0AU[BX[BQ=JZE5W7WXOTV@6QRG5@*"U,AD-F(KKUCNO\
M#6<6N]*K_L@=NHFP%+%E,6PR-%J[>3QH[T&7#6&ER.?-'=1`:>F3`VJOD61E
MGN18=>N]`JW?7]QV`5U8C1*IJ5SFE@8Y?])%[*UHQ\<V0S?L5Z[0G,;?7'&A
M9DV$N*<B\DDHCK,EA(.-.Y@2'N-?Z`;U"%?1:B%:![#I;U).U8T&?LQ"C9AI
M&<U:S4\Y6"-)2/',_%H;#,!Z//E$)B&'NN/0G%,KZ&VOY&/B^[.O.:]!A&*-
M2(%3!C`]<T`)6=3;M<.,0T6T^L,*D7:IF%YL)F'2HJ-["-L3A4K^,B\;@ON(
MD/=>B^0;50GN-^[4TQE%W)VVJ2C-F]?_`%R!ZSK!.*9'MNG)A?/!]\I+D*(P
M)B08#FG5AF:35W_BP+6U\/VNI_YII''7ZLS0[WC4*=N`W3:93:D4H5MK-6L4
M\'JG+)4U-G=!CTJ:=&EYU+KA)Z"$@O*(/LK@HD)XTMGJ>*3]_0V^!1L_W?U"
MUJ)$JX*8II,4$NX"/5I+\KE?(6X:+!VNJ6B;-NN:"+S&K9"N66)UZ,X&@S/N
M^JD?5OJ5."[4?5:][;KF`J%4+1GE[V,M2J&]>-5M<`@Z7D!@,"GP)3I(62`Y
M77ZW,'-'8DMZ>\=>!N18CJ%,*F.*1$;#:F7=5?9G4H%0O<^T5^@G-$(^TPK"
M:-71VE)[F(!ZPT*AGAK133(]#9+]$L=GS'^]4">(2",AJ`TA7R-.<$VJNG2A
M#K'^P0W"L-ZK-2RRK7!^J224T<?_`-BVJN5,W6*M5?84U=)44H:R!J61+A[!
MZXE1#/!L:>)D2IB._GIY%D?47:5W:??JX#;LB^.!>#<:8JEZ)@Z>$L]>GWFR
M.YQ:].`G)MW%F::KM,03E9L\W%:A$9/%1WT.+DL.L2&%2H4>W<SG_OCU"FS;
M75['6\_M-\_VM>*D\-`W*SFJSG++H3D;+>RK&,RD8/(U4]:PDYF0HF^)-_<B
M2B+&E]B]^M&U'=$?L$T]X`?(RO7E96+0Z;0B>BW\`7O:\VJILM3\@O%\+3IJ
M<O)3Y5(K=8U=<^*D1TX>=B`YCLF!%84U(4&WS+<WOWJKV"W835RM,[811BM`
MK['LPNTQ6HO,_.CK<'CV=$9P4[U]OFOQJK5DM)<_YKN4.5]_.-=8=$4:HIRF
M>[NPB!KE6N6;4\QH)>WZU(J<LGJ/]>`_U6F7KV>=)![B3BYJXU6S-9KV`/#1
MO(\<DV2Z\P]*>C=;EJ2*XKKV+@T'W&MXDOF(_-\E`V>+I.?Y5=FY=YTB90I8
M5_92)\9414@8+H%X7)2-=K[KI-WCK:FD?1#+;R_!%%=RFXGO0>>#6%BFTB`T
M*;>I4F1,L-SKU?*4@;M#U>`T=B@UP/0EC;TJKG"<J41CS949[C:6^<DR.R$M
MLB[?'J6KZ\>S&T:+?<JSBYTW/A/SY9;CVE&(=U+GC<JPA*1ZP76KSZNVS2ZZ
M(>C$QGL'QLO'>;C\CS(R^Q7'&$-]D"-)(]!O!D>`/`'@#P!X`\`>`/`-&I][
M]#E+#5*3#RD$2=N=K`5T?_K'E?.5RZF'J='L]@'-/T^)-J#I23<P#KEA4F+#
MEJGPGN2G.+:5X-4D1_UVKWJ-=KXFO8_0:N2'^J53K`"G6)NO#$@^D-$<C3Y5
MI!Q)=<'?D6OJ<I@/)L\-2T$V9/R,2'$J[WP'NIKW,EF/L7Z9'LXAFF8.9T*%
M>"Q`#9Z:[3HL;G#V@1V>VE%ACQ:Q$B%:^?:&(06/.-J!R.QN)DR^_%]$@U*I
M96Q7SU[]50LR^D:C2@5I--JEAA]<J<"!9[@0JP7@*)]TX&"E2HL4*',MC>$I
MOV01[,]N.MYI,A"%B)-Z$6.^QWK&0(52Q7$0&/7J#:P>8")0VAS-,G4ZQZR[
M*$C*YR[@*T8'`>604VV\29;EM]CCY3+DQ"67FE."T?V,DU[2^J]GJ$^M6:R4
MMZ##JU6[:<^=#OW`,TW8HM*Y!IPN*-!$`5\FQGKZ#8_`$(G.\X4A*^%*)+'5
MA21^%=8]1[=3ZL7@\QN_U\V7H[M79(#ZPV'=2F=3C0D[!?L`Q(Z,Y5!&SQ#$
M7_Z-U'\MWC'4O25?4*2KYF,->S?JKIAN+G=_<IYVF&Z)6-8JA?1ZM(D4FR0)
MDS5_H1;9M];0(%(%C,JFD($^8MELK$=^4>IY#:U]#:UJNI@3^T^FUJL]%!0:
MEF^D6G>K)7*&1A3<ZC<+]'@7[6L.C06[%4DR8':T4SF<D<),]BR_D'/+B-=_
M%7U(4DOL2;1-)];\[V.13+=0,^A7^%29&PU*PDJP$CN&+!9X]T`'([=I=`.P
MZM8"P;,T1G9\Z;'4294U&1\WP=1P15?T,H$]OO4X:5(5F/H]*JYR)R6Y982(
M$T8(&RJL'GCR?\C9VPT6KO,U^)29(ODK\KK'S"^PFU]=:2SP7;(ZUF]BO6X1
MT>L;$!'K8612S<6NKIT\%85"[QI=:[PE)0<K463#.PBYENS+$O);,OHC\G)C
M_3J9'@)-G!CQ7`;YZU0M5=Q*A4[,+@(.%I%,@YM_+-RJTY8^-1DE*:SGP<J1
M*FE`8,F0/:%2>?F-MI9<F):9D.`Z[J=SB'[IZ0,ODD"B^4,O1L[#RIZX%'XV
ME^B.`!+P&K-2(]:2T3D]KMSB(BUIE3I'X)_&D0O^:D^!21EJ?>\1,8+>_90'
MEM;CUN1&V#0+$P-J@&.=N2Z*]=JL<-D?RQ8AZ98+6#!RFU?R/&Y*69BHTGO/
M^YSP'6M""M>V_K!C8*O5ZJ2VH@N;HCD*U!A<6Q$9E3+Z4N^7ZS6#K4<::E71
MUN^0IL$LD.N=P>7E*8?4PIM3?(*-ZLLJCF/4#39U\R.B!L?M/)4G^U7VHCJ&
M&<K=EG)?#SY!^=QZOM5BZ$8$DT.?E2&G)KT1R=$6]UOLACJZ3U+4K&-['^J.
MA,E:_8:;6"HF``T:Q7$3*J-;T%=?31MA"9J3A62FU>-:3S1$Y:1$(BPE4!7U
M8'H>>ZA<;GQBT:U)-(V_T>_/7.42RB>3R9P;-#S8%#28G`YYQ5,%CVLXE#JQ
M,?-'I?2U>8[%KRI4U/)0Y*V^<=B\4%)$AMGL'ZE7@><JEUL5+O$$/9`(:?4#
MU,)V[I"SRBA6&*8!5676R3]MG"C=<(,R'!D:9_%2QDQ$E3#D21QH2DD1>K:]
MZ\7/%+MO[.<U"3_KFOD;Q=P@ZKA;(?!%J712T&$+<(#0KR)5MAY[WL%EEK[Y
M<(;.3&4EMIW[%"M.M""!?9GUMK^8@7*MGN?,V.&!HDLQDE.#,"H54CVF.T](
M'"B):CU.`733)&BJ8)L1X3,D:^9ZW+CQ79G4.!1UH3*D[)Z15UT>1$,8YF]G
MI50+2NM0J<(K\NFA$U<Q?+Z'`V&!7H,&4/KP^N$%'4BGW&(LN&MF5Q$G[6NM
M!21G;G[,^JS1Z"5O![/B<2KP*X2J]QE0(]L)P"US`$K^U#KPZ"(+6(=]:+4F
MSS\V.A,?D*/UUQ:/PW.M@E+L3F@7CUGM^JGA&=+SLEK-.KLJ"3(`ZQ%C'8U1
M[8WV2<03;$AX[1FML7%3S,Q`^9(BLEDO-O<3)0XG@E'3R*RC^PWJW:8=4T'2
M1-7`WLSFT.8-CVBCR;':NU2\DA%>=I=5/QZM,=N+Q@I;8,24$#.2I+BR3*7H
MOT?1]PM'V)W4;KZT6I-GTH57:L*?HEX@X09M]AS5=5*0[!5[D$`5VL0"INO#
MR$VOP;E,@<&.QUK'M2?C6VI"F^]0)1]#J`]^]5!!&V2:>>J7#`>M#7[,[1J6
M6(E9M<KA"()@0(_:K6Y4VT(J4JX1OO@0_P`MT2R88><:99FM+="C(4=W/U=G
MVZ=8(U:HEX$F8HRFZCK8^JPCW(Q"?'HI_*<TDNQ*X3/Z69NZ+="FBQ0[\[\1
MB/V0XEO_`+7WBT="5ZKH_K1B]Q?BW-`S-;QH].M>AR-*"9NZLER+2U5O/G;"
M4N\"I&(2+9`<U*)!%-$.O/O_`)BH[;;B7/B<$2;(VG:_5C(,B7E4?49F<5K/
M:ZQEC4A8>Q#;C6(4&H%%LVAB,4J3S[D0<%`S9[M@5!?"MOPWUO._]MU/!:-N
MI7MYV'T6R;++(ZD-F]Z7C.:D,;&5B13D6"R'JG1*X9?8SR$5FU<K)*4-Q=)E
MQ9)+_OUN/.A2.27T.L/<0+239M_EECQTQ`=@X^[3>#(@FME)$*F#88N#%%F(
M4F/6EO1H$.&PQ\D`,MMIE2>.,M,<3U".?;SP9=>Y:_@AIE?=5]*0-M,OVV+F
M!B^U?2J-$,KAYW'MEL':/>S=3R@`:_(&UPD0DEX,XJ($DB+"W5B&NQF)CC'T
M9;Z-)2^QC:9[)>H%FH7+>4>S2H18QCE&-@S085^2#)J@D:V@5*0T(XU(#(K%
M$D-/3&4K&1AH:0AUY#$!_P"$'&2++5M'JO8+%)_(MV6DK/"O@/-URB,88LFO
M0)-I,54!681"?"XY/+IN=/G0&4QW'.-$1SK7U2ZSU/!*2^Q$A>K^I=LCEQ)&
M-D?\1."7#G$2AM3-`S>7U^KPK!9+&<5"AS1U?I#H6TN<6V8[%;>2ZXGB5_+]
M%!1]3YT?=?6(/4LJU"QP:79:#?[AW*Q]TF5J/.15TUL7;M&Y#(#Y@238(C`"
MV9"A#@_\=MT<6CM2'4-*B*6V*D^A8HJV^M=OL%JK(F5EM@.TX&Z9LT2.+"34
MP:\>A&91&<F;V"N"1'285UG=G]C.O(;X:=3)^WLU7'1-2LX>V>J=&RI=\R*)
MFI('7@\TY3@.?!P5><*.(SJ1:V6*NRT,@,Q7BV:!>RF'4(2AX0RE2>J8^SZB
MTE74Z>A^PWIUF]8TJ\RYF6SR.;2KI`,CAX,5PY.M3DDUI-C"PG4AW'92SMJS
MR:0(3V_E@\*A9,B4]Q\?(4R%)%C6FV>LPN-7\GT&-F`E&HBAIUC-K$!"211B
M-`A0&A#ID2L:^#2IG@!B&,5,XW^2\/0Q#^1QCB$":]2-N6GU#-V.G80W6\UL
M4C3*X6Y7ZI!S:";J,ZOU"JYA<G!I5Z-79-8$Q6:@7JTZ%&F+92[&:A=93WK#
M/$AZNI$;E[`^L53/UP;2@6<W;0.;EE>,(@`PT.'*J=J(?VZD!#$@S`JQ9^+"
MI5?%V,5%E1FUQV)+$H3\\92I/&A4G_(2+3;+Z2P[1HZM3$8N2MP^%5Q&FRS^
M>B+,9EMEEAI=5JI\A_6RCYXLXS%'S&`W7)$UJ&U'E=CICI;=X"W=A;M?])K9
M)L(FY&\7N<BHT^$/+1"M>$V_C5.MDG/"D"N"?N#DVCL.P3+-4Y#8D=V2Y(>(
M"7.,*4_#ZH*2,-H6W^M(;N<UNW5.@E30W8*9G.1U"4+K!B4!F$[G1<TC6ZO,
M-02,7/HU;:O4?_@_T;)XTTJ(WSCJT-=!)]496JZCZ2108L%1Y&-M`IJ+FZ'K
M51I8[D:1&H;E<O5MFP*V%KWWK'07C08NB0B/\$Q<\?*C+>5)BK<"DB*-7WTB
M/\&90"HN/GZU&@4"TO")F>U@'GH.MVA_4YE=/,OV<$,JLJ<&)5RQ]E#XREDQ
MSS\Q3S+2E2OH%)=28UG:O2QNPUZPU4_D`^VZQ:)'!)8;7(`FSV:UC?XJGKFE
MI20L4Q%(H;T(>.9ED>L_*T?BM-.*008X\%)'-O\`H59R$G4HO<+E7!R[.7R1
M"MM;3EPY=;.A:R4U"PD)G;:3@E.3Y`V@*)=E1HDWCLV#'^3BG>-^`E7N5#ZT
M%O2:ET"G,4VT4TH]M=Q_DH2[,!IL`X1O$MG.7FPZPE3H],J]7CCY,>JMPN1Q
M0V!)FNBWVNO2YL9Z0*]S+<CV?U?Q<UNY(G<@<*7)+485J$8C`CNBJW'321H*
MB9@-A`Z]&'N#Q508[,0'1R;.BQ)[LJ3]L9U"N"4;H5X.D_KZR1=B<_\`W+PX
M]&ORS#$B14@!,3G=JT`#$.3!.?3Q];='`V7`%6Z7(QA3BNCXK+LV=UIKG7.!
MZF387I/H[3(MOKU?>Q&OP<UG-0K(#K5."Q(HHH<,Q:QV"-&!0/&3).:=>CP7
MF1R)+W)#K+;B>*<;XH*2[G8#:3ZK6.E8UL5Q#914I%RIM<T'/Y-L$U518./U
M690J!&<"FEP.\:78#-XKX1YR*M')+DV(ROZI4WSP*2Z:GQ)O'I)7*=8LM=CX
MP+SQ(Z38S5!CT44U1C;,2TB:O(<@UV)7?Z[;335Q>'0_Q(34N?\`FOPT\;^]
MZ-]XGJZZU)S-@^L6<E`2I=/S"GD]D(HC#YB,]%"E6\J4@OAF&3I*/7VF6II:
M+;71S/";C2Y3A-<1'WN25-+#5E5"=M]!%O,W8,=P9N9HYQ`CMFB5<)&(VLA"
M!AWFII(GP$U-F!HU6N<)Y!24K^.2,)(=2_\`CN_=T6D@.N_Z_P"N$*NT(C>O
M82=63-]$4]\91*T/Y6#-8)OB[XT$G1*ZTQ7W?[".>@.NM.,IGE([D1I3TIM;
M20I+S.:V3O2(+%FBGJ%AAV?(K2`D"O1,\JDJ(>AT.GC='K%$01_KSM?8_&KK
MT*6''R'D(^WK?8S?>M]XD/46(?TKUUFIRI[3FJ"/LNL58,NE`[<'%ES#PHF0
MJ9Z(%X\L=,3%@?W'^&;C\<4U&DG$0FV/OF=C(Z)J4$_[#^LET]?,YU/0\EJT
MH+NL:^'\_H9>AMVEJRNT2!HNLM<L,@G2XP>MEID$(1*..$D-Q8Q6<]\<F1U:
MI+HU25:+L7=7O8'U=T!K-SK5GS^:6T65#!TYL@.9<,J,`I$-R($6J<,;F"'!
MA>U1FX*I/(S3THK&Y%ZMR<QQX9I)&KE_L7J[:=Y+P-"'B*)6/4JUCY3DQ<2A
M!`)&X,5O(K4B4[`GYTF_."8;N@U>`GE=.?BDI3#<4E&['Y$3*AI;J:=S:$9K
M_J[/T3.P0%%9)7DY:-!J-`+AL^GR$PK-1ZD+@:`.@6Z-7/XX*X.K`F**E.<E
M-M.?@<']5UR+UEJDI)+R-I?!D>`/`'@#P!X`\`>`?#B/D;6WU2T<<0I'WMJZ
MAQ/W)ZG[D+Y_E"T_7Z\[S_IWP#S-Q'T_]?ID>^(I'L$_KLF9$F56X$:^>S0Q
M-A](/8^I*[;*J`U4B?<R#6%PE3R)-;D\G+ESGW>_532&!MR?@;5X/Z\Q<+?L
MCK%^M=V9+`:#2P$6RQ*U$:J%#R^`9%4BLCU5X*(>)NP1IIQ,J=-4_*F.IXXK
MJ?\`T^#+=2@27HUBUKL5+0BXN';#C`*CU.4$L0BCW:`JIQ8QB1_%62L&`S\6
M-)MD2<A]J7Q#3C"X;:V.?&IY#@NYK[FP&\>O<7<%!'TWRU9_/'5ZY4@G.J\.
MLSG3M`T&34I]OJ\ANSA#;$!9,A1!3C<Z,EN5'2PXA"OH\KO!$Z%)2/3&D5(Z
MQ>5:[8:FD81S;@EQR)1Q`IXS7]'&V`,NX.O"([5Y-%)\E0(2[/5V4-B%'HT-
M7WO-_8+NKV(::]/*D)!PX60W&PV;4L2,CSE;%JMM-#SJ_8C<;#EP9IUV=2[(
M-;^ZMXW&=:BRX/6IC!&7SBD*5'>CAN\>ATL]]%A%)'8[&T;;C[MD@#:9";J\
M5%+Y7#NQ`JWE!*SF@TLC4XE@.\+B_75A[D!?&HZ8O"#W(Z$K0B**Y>")DU^O
M',IF?G\ZM%UNQX%:%0D%XL1JM5P7`&09&PO,5NF@1(1`FEU2,C9IZ8HV&WR)
M#['9ZRA*>NI6)N=:HY*!Z=9W4;A03-:UMR+,!GHUAM56J0#+:X&U&V9:6OD*
M,9,B`E?Y*&$:V_J,F*;_`(QR.N3+9A=D];6A:'P<GW+SUWUMJNQ$#9$X?L@M
MPZ&H(62T(6,2RVQGIN]G13S7)H^6KKTN3?I*7_NZI/V,M?9Q'?OZH1.A!9?I
ME29`YJ`BV6CZ1Y;,YA,Z+6BT%;\?1[_IK3)`01"/#B@YPSH4J.]&>0II^&RV
MA?.]ZXI8NXJC,/0/'PA)BW@=`)7%;<D'%G&)(FCE)\.X99>(+?6JE8F@KI.C
M`@K%0Y57:_!>Y"AC(28J.-K:7U8KDS9LUZ^B">!0L#AVRR"1(P=6H$*R-)%2
MRKZ*L>&6"+%.#Y4%00Z!-.BTPRPYYC\4D,??BN<XAWO>#-=:E&`/0.A5BC5Z
MG!=`O4214+*#N]7L"8M-;D"+C5:E1ZU6#+86-68U;7&$2\_@3_P>1$Q'%]<8
MZCD=26TB[G6I<[?KYUKUVL?K^G2+6[_;1=\&'M'D#*F[:Y/-,LAZPW*6P-0"
M:J461+Y9ID:-SD#K45M:%<0M:/JH2NM2M1'I%3!%M`V%N^WE\11C-P*9K4W$
MUM`ZD1=&EV4S?A+))D&V;/13UELGY;3D]]]^$W$9CM+XW\O75"[BQ,9]9*GB
M;];?`6&S%^U@!=Z_";-."U-NQKU)S"42>?Y!'0^\?BKRR'QG[/M3])#WW\5_
MV_L!RKH5%:?07.3X>,/%VVQUR:RW;F9I&(&I1)FRLW/5'=4*P[J&*5R2)N(U
MDF^N.S%GMNQTI2T\M#CS7%=!2H=MGT6IPRM4$36=&OH$YELF<7H%M;:JD^>'
ML$IW+U-E9HR97UA#$?D3+VHCT5QA++T8G+YSXW?QW6`W,X8/HX,#VL3>PFQZ
M`.N%)/'S.5E.B*'+B4"+?#=RL&G@>"7ZSV':!5Z(7TBE72'R21T=N&F&ZTY'
M4Z^&XL+*O4ZGY!DF@XE5[5;G<_T");^N"R+H=YRLG=$X>D:&>K3S0MCL-=O.
MGGB\B([QZ(T4=?>90VF0MOP1NKKW*JLGICF`2///W'6K:,I%>66GUR&5?IXL
M+1)MXLE0L.@3^FG034XGRYVFI07D(GONMC^O/M1N)0ZA+0NY_<Y97Z_,])P6
M`9J_WXG5P)!N70P*D52,FE0SFIU[6M4#QR4>NH(G1VKF03@TAP@M]<4$0DPX
MJFOOXXD-S.[7O07-:W"%PH-SOKJ1,"[C67Y;]?<E/1;F,W@$AN0Z@$U\G*S7
MMWD#QW^.?'$"#D+^_P"Q[KP;F8SUIP2P9=NF@+;M421F]#ITZB42DOVJO6>Q
MAG-`OLS5#APLR&I]:)5Z(=E.I?BQ"<HE(2AWK;2TL,(=D`W5>9&Y_P"MNC2I
M).0SJ%R>Y+H#V?C$6*M9W;'`(^;#SR',?%SS%665BMP5YM#GAXK3[48*9E2R
M$=/)+J%M!N+HM?KF5@>N^]9#4+&9N1+4!]R7595V+PAQ*N6*X@XL#I:1<(`*
M5/F3!=I2X?3.D194WDI7VIZKB&_H%=4RC2OZ],?J`2Y'?[^]3!CP*H%+#82%
M9SZ8V._H8"AC;1(/&;$#E+,9Y<!68P)1D"3<?%KFMJE*Y_P90R&YEML>E51'
M>O![UV$7:QL!#\VOS%VHH&IYJR"7J_6JC5X<^OID`FA(*Q0H]/CS1Y.+':EB
MBOVRHJFU--I2&[6I:&C^OXO2"^;E9EQM`_N>BY(-UIO^*)N6L8]<,JOG$G)I
M2!)EH((M&.B75R6%-K=:7);5SORI4V(G0TETS]?=G&0[L8QJ_P!D*:1IJ+13
MB-LM1*C!N5^D7D?>(9YVS2/]:6(OI$U2K>WUZ;)<0<Z@9$1'E--H=;<&MW9]
M"P^?KASX8,M0VF:#9Z&Y9^:,!</5RK9S_:FLWUA!IRZ9^0/DJK/D6&*DB;7(
M%$9J72`OK*.(<7UR2J0&]EW^M6$',>5HI8D77"[H^K:SH4RD0Y`XV&%1[;91
MO:7&BGW00PPRW6ZL#XEJ`PI$&.Z4DM]X_P!:9?\`!ENIM5X(:/O>I0&Q66Q6
M4+L1MU@7?#5EHXF&.J9.#FMR.;QG/L'ID"?)C1FY]E0?TG,8'.PY[J'1<)Z1
M';5]RFW&AJOD8&X_K[SRWM5/\NT$I;]/@5L,/C6:O@+179X,0G9(9D6<KLIF
M)%)L6(1M1!E?.K2EER'&7Q*T=DLR`W&0TST(S_2A(@:]>;Q69($7N,407KW\
M"R0@F]@NTN_`;6TJ4*DM?SN.V`C*=KJOMXVWV6[U]+O5?X!2:,+HWH?EMCY*
MAE-`+TNF6)R]UR>+$-``98B/U>@B,E@YU%MS[?Y3U,;Y!@RV03[,IH@<B07N
M\^]CB'`4OS)C:_7^O4?$J)7U;*#Q1[-+R;O*M.@5:A5BND+'>0>@4LXHU7K.
MN;7&G+#$U"7WJ^R/R727&GNN+[U;:PK5G6Q'U"Q_*"VG,Y]9!Y2#<*:W7VHZ
MHE?*7*G!;>('(G_2X1UJ)S0-I=`L$8T9]AMGKS75<6ZVAE+(.3[F.(^BH.=.
M@MMZI<8=7BTP:`DUIL-5'5$+(+P\CZ_1;@\=>%K*,J119J7/X]OJ8O2#7S=^
MJ5=:X&XBTW]=-1:&7"#4=%*T@C9#F@/P;2(IM1G6@;3]0&Z*/MM+*$3,6>Q9
MX\16GDG@TJ0PAP8ZEKJD2?OE_EB[WW+TT#U;$7^U!C4F\6037^U[,:W?*E!A
M`G8][@8K;3=]RY73,N`Z6K+P2X6*7(F=A+Y_(L*0PKX^(^[HS4B.8^KT;%35
M+N)O;3!Z?7#I`:N590M.`C38BVYKD&*UVFH:'1A[<(@V[D-??C2&UKDS23\E
MGB/CDM-,"MU/NK>F`"M7"':7-#MA2-7+G`LE%!/0`$6+5@<>ZWK1)E2>FQ("
M)M@C3[5?I'UF2E?DMP8<5E/?D3(?DAN.G?,"%Q=!5)$[],SFP:'JZ=<RZL2P
MM--RQNQB<ZETZZEJY&-,IG6D`6S+DODP7(2\B!)D+EM2&N?"R@*Z=#&/^A=%
MBT9RC5VV%HL%FN%JT+<LP(!;F848I7<.K:"+L-^.,^8X)8PJ!,@S&7(S\(E)
M7)84VMF/QL-S.)[TMK$@^U"A[7=G9'9%",ZD))=JAZSZ"!JM\#7JG?V,M*'<
M,!%E;;3"/Y1.,AIXFF7,2E276FW&0W&!">B.>9;F<RO0]0G4B..H5CSY%Y'#
M*U3Y+H(V2Q?@67>IK*H[-H*11F+"P\YY;L-LJ-F2(WQL(4SQH-S;.>-Z0YL&
M$UO,;#JA5X*;JSU59JB(-0K,RS/B"&Z6$G+K;`V%'_C6H@?>R[*X<-A;4:/$
MB.<^WK;W7@W,FHSTO%*ES3]PTZV7"Y'2U?+VBR+$5D"V:D52V8*>`MM!1(]L
M>*:CB/7@*.>XS_E[\B6_]4N.-)9#=X%P7C#V]'$46%<+F:(E:4BZ]6=C#@@Y
MX\_=\UNF93WYH^-"X/B=B"KH[(:3'0A/SL-_=]4=4GHB="DY'HM07M/IVIN'
MI)0O5C(::^-M%>!V(21&@JUB(4;&B1WVXW0QL<6P823B$F^N.1I#\CB6^]Y%
M7&%W.E"N;]ZXX5[*:?=RX;?J:6M)2=6;/"H=.=HEA"CS&>P)%/+V71*@-*NN
MZ"7<`6]P(Y.F=ARX0^6Q%ZZI+4;C8J;2Z$@OOJA5Z93C+SF^SLGSJOVH[:JA
MV17J$R'S1_5@EFH>D5\?++04Q)X6YKO[W0L22VMT.4<8;CJ?C<1"Z)NKV)#$
M]-Z3*!4\CG.GG!BZF5,V_,K-"9KEK&"I5AO@&]1I+;,AAR!8A;4,.H;S[G/J
M_$E+=^3DA+3J`W/N9.Z>D5&O>889F1VYW)4?#*B3IXT_'2!8*VN*0SQVG,3K
M&P@3P8B:)M,,/:XO(C,=IH\"AJXCX$J94&[6IKS)]1L+^^>;7[+!9HY%;D>M
MX=5_9SRRBQUU@"LTK-C!,SBCXUZ586363(*-!8+\-8VT3R4Y'.RNM?C"U?2A
MLGI/J'&T-_#Y!'4[Y/1B0ZEL-1;*X,LSMV+4&S4NWB;69GDXO>C+N<)TIN.6
M,1FOS)4";)::ZQUS[_!%*AJ:`],;."&9V)O_`+""X,H/@BZ%[.$N1Z)"D,YT
M;HN<9S7J**8E"H\,+7R<>@V)*+.M,>:Y+XM:&^HYQB.+N\/'0V:9]1*1RS!A
M(_4#'(@=54.:-GZF*F0D7()6MVN^]Y6@GU^$X9JX@5I!PHTIV/SB3,!A<5??
MN:4YP3<R"C_USU$8C-H36M7^>)SS^9>1%.P*P7F$B$\M=I4`G%GO#&T5Z?%`
M7-L++?B,\DD!((2PMU"8KG)`;F6;I?KO0FYV4GK%K4BA`JL,RO-#D,L_5(,'
M3(>?WRNWO-Z\LJ<::>!G9%X`(2K^-6E^?%EOQDHXYV.\P"9^VG"L\71\4]=Y
M&P\KYJGB[#$KL"=-JJ[E?:V2R^]Y?96VJ_-4R_(ZR"NTB3R5"8[R+)C-]5Q3
M?R(4%7JSH/>C]%<U^L[$H_))&@5CCFI8NRU\)81<V,/@Y=P(R.2^B,X",@#V
M3P"$,BCY7677W>?9U2(KD<-SI0FEM]4ZO;[\8O\`,M5EB3S%MC6YP?%2,_"C
MS(S/KBRF-'4[$7(3'5_[;1JN]ZKJ_J0D_P"?\,_'*#=I0Z=.]66Z=H[NCP=#
M*<D/:S<-*55(5=""Z6Q"NE3FULT"'`HOW-BBQ@@^R7*&(ZVWRI-E3[[7R/OK
M72-U-L_!!X`\`>`/`'@#P!X`\`\K+K@7LF/LI1_-(!D&T?U_6[=7B=2T0?4@
M=5L=GT')B=-TW30$0Z(5H5/AT(+8X4@&N.6=4J7UA4%7)GY40;JN_@:YXS5_
M936;6'74;_KR<_I-YHH?3CP?8V].9(:I!J^9D+I?:L8D[76P#V:SR,6P,D@;
M<@JJ#TTE2JPF3]&8(KHEYDK!^H/M!2,S7_J1JWYSH[%0K6=K:E;:8,0)U9K.
M4:F*/N,1UZ#*@2I]DT&2&6&)R9,4R/:=BJ2^-:C/H9#<JZZF\/JCDVJT:;=B
MVJV'1339,%3`M)B7FYR2#X(#&CEB14*NK#])TP$++AR!)N`HFHP7*$8L-A4@
MC)4GJO!EM/H:N5W!/>5-AX/MUTLIBF_V*I3U+[JZUO+A9)J%0RP(VIM,]B<B
M)K7K]&(W@VVE?W\LWT;<_P#,4CO!:Q)=ZK^K^IY+<:)9I(:WU&(,;HE*M@DC
MKQ.TC2E-J."7&K%9DT&NYV02<5/UUL1,@2Y"5EV8'&$\[&8;>BIB$FF9??O5
MR]Z'[!6F\UX1<&!IFK4"</MM?U\]36HMDH>4>VU8@#(H\5=!14$3:N.EU9[Y
MX,1F-+C+?Y(?4A$EERA-4H6'ZE9M['U&[ZK8]]MMN,23_P".W`@RB(PG0IZ5
M'39,,6K'&M(LLT,7!5>;%#$8[%<JL%Y<1+O.$E_^:H233Z%$6?UI]B@1LY<*
MI_/6KABR>V+?:9VW5<'&J=5VOV7RZXPS&?3:P4RFX2+6;S<&4(?B$;A%B]G-
MIBOR(J'?CZ+5?R(CH'`/=2/219FQG-,-765$J8?0J\U[`3X4VS9U7Z)ZVHL=
M.JTMFX)K%0O=I/U6ZQV3\1Z'/_.(NO/%&F9?)2!:Q_'W,D2QOVM=.29<&N[4
MW2$6";+OU3_]Q[3!_3<EEV^BS,TS3.9R-3<;SZ\9;281&%8Y_2(--A>3(:Z7
M)<(?F,B51M%ZC9IK^9$-DA:E%(N"K+HENN68RE6Z,5&UN@6C0KX?%9S,K48E
M-9AW(!TJHB3.)7,6>X79X]*^2'^-'$DTZ4-<WO7_`-L*U*L5ZK)2]VBZ2G[E
M/CUFT^Q%Y73":K$4]NTN#4A6KQ#&!8S@`WF#,-,+L#H]0V/R*_!<CS)'@M8_
M;_(1RN8=[KA@C5IC2+T4M];27#TVG7/=30\')IDJ?[7/,A[.+KVGVD=PK*'6
MC/V?RU&2A2%R#&1'+)5!<E<"L?Q]B@S]=]O:R:H^7=NVC#-DN,RVQL0B.;>T
MY(SRFN/>S4[LW6,]&Z??I-G$38,NIICD'I%ICAUC66'"<=V&UR;"^GKV+X8]
M6O:$F$'NRKKO"'HP-Z*+$%-XL%+F@&Y8'VM).5V7#J&Y:)$,MC+V>SO\8E.L
M)@B]"@QD./ML19,9-)5?C['59]<?=DZ[<W;AH6IO$R5DO9=R,"U!VEU$F\C.
M=\<R$O6RM>UV<>C\!VFR4\<3%)"U42J0(8DN1B:&')KD%8TT-VL#R:R53--F
MIUM"&A1F\:7K=B?GS[Q..L65O1G%ED'`)"-9BI2J0>]*]BJB-)%JB3(SSD=C
MC:FI#U,MZZ&A%,]>_<FI@I8UB#I2*_%RW(,^"YTK4.3AXZJ#ZWB`&ZQ8EAC>
MS];GR]-IEHJMM+#5-=#0RL$VIN8??0I`EF&ZQ)YGWKE[=H_J%QOEOT]Z_#FZ
M-(+QU^P%A=KJYM::].X+W)E5'6S^FDD*@`-2[*0J*ZR1>)/N2./N2HBT4E8_
MC[FS/MI5_8FT63%$XB.)<%@K>*L%HL(.Z/5R<-5`ON=+FC38F5H%.!&*D:SK
MEC1(Z\-L\CLA#,5J$PF4[+0)&G<THLWJW[:2J4*I9AG3M'!3:GG[C@I_V*FJ
ME"MK6`P>1=-`N1FRWAF59Z'!-5:VH<"(60@N2B/WQA?6Y7Y$4:K&M3>#VHSO
M=;W<\%?RRT6ZN4T#834C07*.0@QC<0HZ5HTRG62:.*:/FHL_5Q`T2=A$8DAP
MZVILJA7\+/4E*HXRFE6O4T>N&*>S.3YV(L\X]NE@D2Y&+5[00XSV2N94Z8Y9
MH^"B;X(JTPO=OPJZ1L.KH.(_D8KD#\:-)=^R1%@.J^@TFGII0DO_`+>_;B&[
M.)PH%\2[8(Y)%5:&[A%%V:@VC\X`WCEGUNR-6YI_4`./T2/-#&HBY-@45DN?
M(F*4^_\`+:"L2*5;-?=?2U5RYU+8;KVMQRNNU"AV45:?Y0-'<RBRP\RRS1[B
M--:'589JL[)4J1((E)"1%R=0^9D/1X*7G69Z0]*T-YL`R;6X7K!9LZT2Y:0&
MT*V0;E#A&K*;:F6S/IIX&V,C/5^S"]1ULG/@B[`E\I`DR3[\OBI'V_#$:2U$
M9&6U6O8TW.X7[QW<;+D7%FS.6O1J&;(6$9$V:(_DU!1;JAM,2_8;)J#MB9@6
M9\B7/52.'+(&2HL=,+C_`.9"Y$ZW+A:Q),<Q3W.N9HH%)S=+"5JML7ID89&[
MM_7TW0[WGN&9H!P=RIW%FP1P8\G>,Y:ZP3Y#6IT:TV_%5$'<4NBL4O/_`"$<
M*>M7N'`M19&:6"]9S"EG-[M0@S$O3%F!.:E>;&<M0FW6@>7V*$EBA6<&9@!O
MQ_Z_8)`::.ENPQ<+YF23\%8]SLL>O'MI"SLV22;W<Y;1U9H#N>T8MK:1<+^R
M1]-TNR72B7AJ%[*&53<^(P%5YN38>6Z?9FABD(B(6W'?$.T55>QN#[>4O;KM
M4J6QET>VRY$5ZV*L`+/-,_UF::LY&@G8&;V9VU/&*JLE4Z-H3\2;/@]>6J0V
MEM_\&=V/^&X)%I=3I^LF7;QG]RM935;'8+#$M80].-2BU^)6L4_>.;=J\\/+
MJ]?)%)L:E!59,5`LLPQS$*(U'99CN-]?C*[P&UV-U_!D\S;IC/MI/M6BVFE6
MRU@##-@F*REKFD<AT-F-8;WJ_2IBT4B).="G^1:<5`=1PE!F/QD,H_&;Y)95
MX-UCW*NN&,>V9BL29M#?]D,^'NHRD%)JU@W#_86C0A4(%LG^RC0-^/[#5D24
ML3FH%:F6_+=M@]4P./\`QD-]B?.)D!6/>GX^QV9]"]YNWVV'U#M(FCH-^SR>
M#K,73(T*A:$]6;/HHJ62/2V=[9LM-J%BHA`&:*M@H`>%$.L,PE5TY#BR.2PK
M&A/<VRKW`'8A;AMOMUW/ZU-U_+3/V'B@..,BQ*Y9ZO)T8]03LG4=">53;9!A
MR9C$%;=;;C?\F8@6#]_6U`W&OD?,7%M["XH,KMRKEVVB;5MR]:M"9K5DT&NW
MRVG`5>HF0R-?1'/:3<(0A_[-2B6.6B',)1HW/N7V$E,=4=KP*JNFFA6<'UK]
MPJ]7CHNAS"&=,-T36K!G-4J>C11]1HEYMH[1"V;9T]%%D0O]@K^92;A%%Q$.
MH0&;E0&7VT<C,,]2%4<DC!_8LQ3SU=OX_P!CM&@3*O23.=\C;`WGTVIQZWM!
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MS`DQG4V*'"65<?@A.\<A/Q0K$G6J>N7L)+SKUX)T0K>Y6P9EZ^76LVJPD];/
MD;%+N5W*X:0O`Z00D7^M,6:PV<17K-&'3E$83`V7V-V-.&I1%D,`FJ^52L7\
M3]W&V[:HAHWL(7BQ<TJS=$B!YM<'R+,U'8SZ6NA7WO?;$8_7[1"LXHNP4)BI
M73\X#.=6FX.R.HC-BUC^/\A>>TY5[3Z$<%D*_(M=*@NX]45DA="V&57TP-6"
MY1[/?4/_`&*,4"6&Q"!>J6FEJZ])^D4CV,R[(0MAJ4CP932,=LV7>WMIV@V8
MKEFMK-*7F=,CU84#)!&:;*,QV"D>_P!?ML<CIH:$,.23DN(5AD&:D6D/-PFH
MS12&Q^5'<%35-35&I4C<=TN=N>K%IT\[8,4KQ-Q^VPO86,9KRO9,CF>XC7R%
M`,UZZD(02EFK9+K;K]4>5!B0XZ8J20B,Q]S3@NBZFRMHJ6OY5F=+I]/,7:GW
M6]>[.LU:1'*:/-/R;/E^_:3HY6==J>]*LEDF\<SG.K`Q9X,1?83PR0"E\^!K
MZJ<<A-&_*A7`7,/?P8$I\4B1TP_97-<$V6V%G;O%@0:].`&L];-N`$+]D9$2
MP8]HM<78)3K,^"M@>_$:APZ?#[.6^U2UB;!832_9/,=(H;EO'ZMH]<,8G50N
MDD;CJ<(\-HVG2+)"DFR=/:GZ@^U:F27\I-D&>2`+4@5%%QV0\Y^,^D:D9;31
M"#OJUJ[.H6'0:8(G5,A!O6YV^IDJ==8M0X4?N5N]2)%;;L\((4'IL@0G7\[M
M'Y`PHA^$KX.<D,]<>C_47<J4,CFV!^P=@Q@O6=RL>C6.YO>PN`7>5"G6^37H
M<%C.]3SFR7^Q42T@-BMYN32SD(),)QAKBJZPTZW\44'"5U+?8&U73I0KACUS
M]QRE)2R9NFN";3R`2ZVU6=ZF5R)$F@_7;,0=(:AQ`%DB!6(O^YNV:7);XU\4
MV5]CTWCT7D=/*6L:ELZ9F7M`QG5.K=/E:B7F@3OLR-!.@=A0-L8HH4T`JKU,
MO.BVD]:X1.^YW2:6A'\V-F2B\R5Q]C\P<1=9=0@9352/EO2JSW/,<<R(\Z8#
M5F'M_M58].(]-A+R88S[77MW8',!I.B=N*(;EH&7J"VVN,T[,$=D]6A++B'%
M)=B[M:E3#<E]_0=4A"7"VEV*SN:=%)S2:;PW"'UZ;5B,#\`K6GY7LI\1S*-`
MKTV1_(1B<%$4:X+888IRGITF4T+6/X_R?CQ+DG^K&E6O&]NH%\'F;C.V/&L@
MIEE>M]Y9M10\5B:MLIO1!2RI<K*1"&BJA<X28+*%-06FEI9C)^YM?/!*I.J\
M2@;!ZR>Z7#]IT6)*.5ZZ7N/FM&T.R9O8Q)&[E*/C+?L'1<ZG5[J]2R);RG)I
M:M7Z?`D'H,;\@[,AO,SDL2H,@6L21!JK[C:#=&Y`+6]!)YKG>_VW+V[-434$
MJ0,AZ58*S9`&AG1DO3,M#FA\,I:+33K)$<=/1T_PD;BA$_K+:HL'I7UH23V4
M]<_86X^MGKM21E8LNJ76G<,W2_CC]_`'C-AU233"`V#3[U<;Y:1JV,,N[MH-
M@[+(KTA1H4-E15B&/C96WY0FDV3;3?7';-.M]<U<U!5.ME*]7,UF1:_V30Z\
M[>/9?/K+9[T'KA*V#D3['GH>';Y$9Z3)K1`8Q,:?5&[-[&XM*H1-=/,K^L8!
M[.G*XS/U1&U&F*C=L6-TBH(VT@$,.5ZN^V-SO-J>)0!FX66+//0,BZ"XA)FT
M&9'X4?D%N4X\E;7:*KL?L;"O=L6]C0W_`&)KC(!MS/#>E$V-"1H5HAZ:]7J;
M_:C+J3VOT&+*S:&9$%F)H?CY8*GI%+T<!,Y]5,!6/D7]ZYY[[#T+3:7_`'U[
M1[36R7KV'CZ,9O\`IS]I#5/7VBD4F2B4=EO02O;-(M,LA-_D5S:[%0'9'1FA
MI)4-_P#`0(VFON>@'@R/`'@#P!X`\`>`/`'@'E&K]@UVC1;CPC5LRB6;,*CM
MM]O5([99[Y0SW-8`PL!RK+SL)^;7;U;I@`^.+$3,1UV'&@$(J?X]N0Z^U$&]
MIQ3/?C9ZP#5;+5D%*D`Z_5^DCHNOVE^99[A/+M^R<JHDJ4V)D6<")!%(&#Q7
M78\N;-G-J*O-]^U4-/Y(;5T-W/6G7;%L6<QK#=`]>KUM1.)ID#*Z?$&8)&N_
MRY.%5[A#CC3E@D"!EHAC7%,L29+CR'F'D?=W[._09:HS2GG[&B8KEJG6FN9L
M.#PA5TLHV1R[2(3E0BURL^RD\;0=0=(Q410^DD#&`M?(PWUM*624AI#2EP4N
MRQK;X&T-7]A[A)]?-GWNQT\&^UGRMD(5:GU4F6DD3(7)EG!Z8YPC.%\Y#-GB
ME;D*4F+&D-1([K?.?,XE7.NA*:T-8KA[YZ-2UEHK,#`=#G!Z^[%8_I-Y.]BV
MRSD,FO>N![Q6EIC&W7,6%M5%L`1G\3(D*)*E/(ZW^,F(\+M^IL+@'L7INO:1
MM5',T"OA1F83S=5'V6(;:XF5=*?82%3+QBH)XG+L;(:T2(*3(I_\-A+(IY#;
MBWW5(=6(TDDS6*3^Q(_8HE2BC*W7J^NX&':,5A.DY;5C#&4LC<ZMA0(3)/"A
MTB1GGL"W8*^J''BDYDOE<>=<;AMN)>Y"[3XG?L&LE0HE&`CPM7N&AR1,4"4?
M)6=B20%$&;+AE/#W2\AFY8=^"*M"=1?E<Z[)A(D2T1VF7NI?ZM`;:LVR]?\`
MV/M>IF]4K]XI0ZH6ZBUV@VZ!F]<-#KD=57;A6YDMN1,N(TNNE3RD^U!B0UF"
MER%(A+@=5(^YA^-*=I&DNA:,_4[>]G6DVH1D=K!6:GU0N8K-;TXS1:B.MYJ*
M'(SQPO\`LHNW684!@.SH;;$J9.7'9C)?XYWO4)6I(E%4T,$^].JRIJS8V%EE
M]JD\742X\$'@7&KW=B$(Q;>]-U)+(>?-/O3B9"S8?(`!6^_2(U(=6[V3,0US
MCPUM1SP/??47"\,=_3\CM@VN3Z\[>;+0;78C(>U"KE9_76OA8.3N?@.,S305
M?L%QF>J8\IMR:$ZRA#?9O_A!M-C?4CV=*^P$*S]M2LO@DX*J40K\7/K;*/\`
M)(VYYI4M'E!"K1-B+(19Z2BVLPB/&.+;7SXI*D1OR.1VQ)*AK1?_`'=V-1,[
M1@^?UZ'PD/\`8U^/9PUC_&)AJ?G&B:3C8>R"WK!*$LS;;6RU`6?+Q(L>=Q,6
M=%B,)Z[WDAR%VKJ0>_\`O;;:M33%,&$(;UDEB-P#EC98WR-::Q-@UK9%Y[<P
M)9UD5`=AH+Y3,6X/CP"\F&PTIR2^REME<NEVZU['8L'O/K=:+(FCX-*OYMJ.
MQF$'^FV9<W$K!9I'85SB7R"=*SQ;Z4.BWN55SKL]"&K!U7/O4E/P=$VI^1OI
MKNNW0-D%"OU&?H5=-GM/PZJ6N/=9W]C!UN#=]/JM'OE=46JY6+`<LH-\P_`3
M(X^J.W+:5]4J[Q*?!E+6C-6&O?/1&`]8A3*'EDK2;]5*9;Z/3F])[7(I6)?L
MT]B]#$CU&+;#&-?4)_I>##(3UI8@(=GR%=6TAA"EC6U?8A*_?_6X<:SV0*#R
M_415AC9;5,;JPAJUT.SDM:T?.S18`'L;)A^Q/Q*S9]!JA00T^EI2HBV4\0Y+
MY]5^!M1VR7[*++*@2KA3J/0"E,(U<M9,_&%K:7'W:^5\Q2=EOV<:1!@L"934
M3.W@^4LH,.I:DN,=(/N-KYV!QF6&WL^IRSO9OV9`[0=C'B.-EA6:GM8!6>H`
MW;<%B/52"_Z3-CI;R9#Y:4Y=8$[8B;@V7)2S#[`D.)4RKJT.-AM5._XJ;'4W
MVXE6+`M>VNQ`A5)9S$Z3SY34OALS%5I51B@JK?QDN/%C0ICHJN[;+(UQMQ"V
MN.I&*D.NQVU]4V)MUIXFMJ/V(:>U5>WJ1FV=2:X.#%PI./#MY%PE(T$76/84
M\Z69FCFCE='YY#[@+JI2FY9.0W%)..H?7R#]9@NQ="5,:=LET]2M`/0-*K$R
M\3?;SF7_`-SIYP^]6&*;-]LJQF1,32#@:9%L0UE-6G/06%-2>R8#RUH0^I;:
M'O`HJ_;_`)#HA_>O7[,F%&J=!R<^3)U5_3VH`^XV.<^"J_:-IEO:R*Q\C"G>
MQMW%2,X3$)-+4S$C<*M/=9Y\7QONXVKN0DO^TB<NDVVV@J;4(G:^B=9@#!HT
M0<C72@G0%OU[()\<B[_`":Y-T/UXJ?\`//NRY2T#Y4E+$=DBXE#+L&PF-E]P
M=6LQZD5V+_K/.1IK?*1"8?DVHRU;[AGT+W8&>OKM6J$>3"BPB]NGP:O/EV1C
MB'(T4:9C1FO^:NR_*-J_'T)G[#;IOM5W>33*(:RUD'6>9Q;`U?.*LL$N8@EL
MH]KK!<6+F\+D2G2-=>E97"Z.3$CL<:(,M*==6GCC:H$E3\>1!I_N3I9`6?D5
M\0$'5,C&CND2YNTSIEYKTW5#]BIM.;IR1U='@&!U,(0&)SWYJW7'6^+90K[N
MI=X+M5?,CF<>Z^MVRI8K,KX:O_WC0<\J,"6"T.SENQ*89YRZNG&]-"!:RT;:
MUB*S15](18LE,!MR>AMEQ]A")TFC:C9#UV]N[#N.K1:G)"T`)73E!N]L'`H-
MHGD=1K4JAS,6'O.6\,Y"CP$UZY*UAR8)E-\94J!%CN?1W\KOP#+5$;75"^E;
M25GC9V7Z-2684=Q]LO;V:8V*(J;DHC\C0%5RZ6.?V0ZA?RI^6.TCXD]^JN*^
MB>B4+&\$/,*[_L1=H>F7C.K%00XAFE%;77)]FG6(L["C6&G2R.C&HLT8,K4\
MJJ/&]4$PKY_XR)#ZU2NPT-*XCCZQO;I4FOKY[F6;6="J-(N-3J],9L474`D`
MC!,2SC]LT/+[C9P]A`B80_LUNH-BJM76RKC9=[JI?9;K$5UQP?)XH1QHJHI:
MP^_>YR!AV/4LBHS12/BFCZRFPR[*7(UNK#H?^_HE`)FVWX%?E&(L"=A:>'XL
M/ZN\6=:1%7U$)YUX7:C(W7WYL(BUV2L1!M9L']);269,4FR2`PBQ&J;!L0J_
MU0GVSUPT2D5I5S&\88G0H["%M-+^&2_UM2E@H]SD-?L(U&IV0C5"V&B+07S\
M+<K)IZZ1:YRACP0,)29@2*1,L0@4_(<"0Y4=1E$EA3WT6G\5I:GFD=#:J5)9
M6/83<.Y?IEO3:<3L%H'>Z.0Y-R;`/E[/E8>@7PEZ^UTT-K1N%&$$U$([-\EN
MMJE\4E@B^Y]W5H2AOP1I5IKT,[4O=\T7Q[8=1*4VEO.T3.<TU4!!K5YE$0\$
M'KJ#J054U`X^`;53[7GC@%3]L6S'DLP1[R9#;??IU'0<=:$6/^\&F@+4Y26J
MGC-E.N6RJY0/=#Z`?:8>OQN/C1&5>IL#E=)3HF-KC;`U%B26^OS7)T-I'?KR
M>C\<7:J5U*SLWOWHRBE!L:!F<UT'3[59`&A4Q-\EMVF\FP^,:'8"A<./G5Y/
M6\:%EH34AL@YUN:B8-4E[B6T.IZ&U>9/;U[QZ*6BZDK(&<.&M9>=$B72M\MA
MDOVU12?LI:,738*Z,KS,)I=4@`Z3+=G3^RW$LE'G&.)XF$M<@%%=Z_A&R5Q]
MF_ZS[/Y=Z_0X(,NU=&6(=GD)DDH9NKEC-,U&[5F6QV5';$F1Y2#E$YK\:*I^
M4CBU/O*CH:0B4)3TU-6`WM=?J'/V^O7PD`+'SVU687GL[MOF1%CP9'V#8]>P
ME=K@`Q"XQV;2@D1HL^Q!XXB3)6I;WT4^M[R5+M6A8N5^P>FQ<3JE@?=&WVWW
M/?:+E<67;B3PJ`+&6H#599(BI8$/,DS9`YEV6_'B):1^5)<2VIYI'>K0)15^
MQ6-=_8=H-GI0`N9QEFGJV`69?QF>S<65.F^C*O4M'LL-_CH4GT8;H.6FC1!]
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M;<#SPA.NY`!H1INJ"M4^71K901#CE8'8E5M)M%4J]BR6ML5Q^Z:`:,2OZQ7"
M4;AD-"C.NDG7FEQ$=I7%5+ZE_L1/N&=`9J]$J-KKM+_MMQC%_P"Q':[-,YI5
M:+N=J>CQ0L\#,)-7628Q!\<GLMJ%"[R<J0A+C<5/Y@FPE%.]G-.$9AH=C/F,
MEMER(^VO<2K1R-=9JL.IT<T%J'1STZVLATF$A($A]YI,9;7Y#YR8W!X^CCJ7
M4"4U^Q$3/O[IJ))\=6L\R@J1:?T6>&;E:'8&T!J_D?=PB6J+?FQU3(R@UIM4
MK$W9`*.TA32HLYWCR_J/<7)%45W/F7^PJ^`)9%%ASK.)2J1$$3;K7:Y?S,F[
M6Q-JNB*N%B9!72%7B/6&2!A%8<LKV7UCZ_&\AI*4J;<X&T[%0]\]CL$2KE)^
M*TH?`F#J47)M/:#+A3;+`U>_#,]SMVD.N!)8N!#;-&V^$I1E^*GB83[C3?Q/
M,K2&U$3M'['+@JI,,4L7F;^AN99JLRTPRW]PAB\PV"C9]MM]C5TZB:S"[9A`
MU.)D!\U(MY_YGN+EHDM0^,=E!M_(EICWIN5'(7&`]7JA9D4HT19/-$[TN*<M
M,VQW33*A749&/@5-ELC2JC/SAR66=F=?EQ`\K[_E><C+4\&TMSOM3HT;'#-G
M+5C+!.BAMTSG$9G)MV.1<NBR=,[FLX=87[!,KL0[\(05IL=I<945I4^?$ZAM
MQE$AM38E%7R*41^Q:S\J02ZR*!1QL(O9Z6.@55%H.S[`8KCM+QVR:79(198`
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MNV9UVCS[=+Y5`L0MKGKI1L^M=M.C:L87:)A.J:HZ>B_P<MJ,RVM8V4CDS[W(
M<+M7V)3@7N]9=ITW/JG*IM#KX2Z""L:5#:O$Z;H(ZS5S*,YT\J8B5QX#$C$,
M\G]T)(^',ZZR_P`5%0\M/?R^-,4CC0]&O!D>`/`'@#P!X`\`>`.]^G.]_P`_
MX_S_`(YWO?\`[W.?7O>^`:<->R?IG!A-.P+#1U-UDG5#8T<'H1:42@V/6Z@4
MN]4D5\&-JKI-RU7>N(D];1"95/?E/<A.)_,?1'6-4D<8SVU].P0>%T':`HNO
M090"'$6&S*Y1`8EXR`Y=F^K<@TQL<'8K->L29YUUSK35:003THJ&N0E*PI+[
MG1NNY>M?K1IL&M0@0:LG+A+AC-/.`*L='U^F5FLYAKFHUI1PR$K,RK+-OL5>
M=P=7426"LOA1R4RPY]_./04;1T0_LKZ_6VZNU9=9J"*G<+'6%M6`\`FP2-CT
M4H4158L([2B5)03%6ZOW2&T&F*-+A2Q\U+;:_M5S[$44:U)P,]S_`%>DR8PL
M)H*)3I$B"@B61-'OCS!XI:Y(_D>.`<B5148])B/'8CA?L13W`R9K3A'L9+G%
M=#:RL9WMQZGAQ%9FYF+"6LT4LM.S4,"!YM90,@57-*T?-`;Q8G*51/BJ5`,*
MU869'S)_(@>Q]EL*B/N]>^5(;9=RWKI[!XACVB6,?>'0]8/DH5==E&PM:LMB
ML1B%'$F"4LA<NU>FSE`JM3`8Y3ZR<^:N#%B=<4ZN,E'/O!)OH<&CZM1:7O>.
M96<I0;O]KK=YMC%X)5<U*BUN?)O>:4$2!!DQU1*A8I^_WO3H29/91$?]$M<6
MOY5O-_01=*F!H6O99K>N6S.@N<U0N!+50S+E7=T>/>9N@.K@L*EQAQ0+/K\>
M4_`YS64Q6VI3CB64B>=XCJ74\:%HTJGX+]N?4>OV"W"1]FAU4@/E'EVXNO+K
MW5P$F12&+X,(2IEQD4H?6C'(O,ALD&"\F8\F:[79D:&IY<=2.!M9FS/M[ZU<
MK$4I9[7+B5&RAKJIR19\VT.&&>[2U6.%=:8;;+T]IB'=AO\`5BC;U:EI0:=3
M$<XF(OBD?>)1G9G>P'K1240I\N9$KQ,:L11X`EC,;<Q<1TM,2@.A:/$J\"H*
MM$6?&:VP$TP+;C<<:=-?"EOCG)"$"TDR4Y5I>#Z'$LP[*'@LZ%GTSK!:"(IQ
M,$U#Y/(SBK!>OPY0$9_.@S)P-*=B$Q2),&?.A/=8>=>97]HCJNIJ]E%_](,Q
MM7#(.RGUZ%925Q=,W'1*GIJ;'773!*L5JP0[T8L-1&#LRCDB%'#PVD%^#%D7
MFF'$]D.RE//C3W->1=M(W?%M-K][T:8!CBZ=D>AQJH)L]MHY\030[<Z/G5H>
MLK%?M%2$V>KQCO=0;8<>['XU*A_^8M[L=[O4#+31`;Q[?>K@)@=;X30?08XR
M'HGYKU4I1VP78:/K-FME,MC%8`Q:=*F&ER;M02D66PF3$XZP/=F([(82A2Q=
MLB>X=JN+[F$N%)'TH.$?IAZ[U^PYX:I$X<(_@ZWKM_I4,X/;L-4`A3P<U9*!
M,DO_`(2)+4`FAV.^KDEKJE`TT8ZC[OZC2*I/JM4+`XU2CM6:\R:Z2I%K'0)X
ML@9&W@O>X8NQ5MCIVMV<Q>6"L$NPA^"67+6]#=>^)WK8-2)?-U3UV+9LO:)\
M4:4HL1Z701QR9F5@E%"ZB-E12?ZI4Z[*JBK79HEDM#Z8$2.-AR6"KJ^?!QY"
MN*Z)1UH1M/LMZL"W:ZY&)Q&.G:MFA&C2QN671QFUUJR&:Z!SN+0I<"F+;M#0
MXYH0V-R(,5(6%?*)3(1&[UW[1:2,EB&RXUMHZH3Q8FM0+[+IQYAZJ<$\F%*H
M%%-4=^U5U)=T'`92%:1?`:_M1\<:>B8VME+J6U];$::^AT&O:+U=>*QI"332
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M58>K$5S0LM]HZVR*E=DLH1%>Z@-LB\]`MN,4H14']!"Q8(&VGJH("O$,V-DA
M`TW(=A"JA_9EQZS-AT;\>82CPXT@O^`W%>=XU][?>*XD1)]C7JZ^Z7J_"H:M
M$KS'][+UMN>8I@-687L:;[^?"!F%VN#TE0'"58HQAFQCUKM2X[8-QR6TE4OK
MBOM\%476A?\`HNOX=F]S"#=!)#!EN-B6$1R+M4+F/XJOSC'\",79[0+!D1U-
M!'+,2_CAZBLJ&P1(O]CQOE>ZM'!$F^A6$'W#]39X^O38]I2W!M)$*.A<F9;H
M(Y<)!F716JN9M$*?28TFGU4]*U*O*&ER[<(9*_FHZV7U)6I21=LCJ(]O_6=4
MB`4&DX<D;/2GCLAF@7YNZ32<N9EU<S_E;HS6?NV:WB;U&U$4@02B)[&EQWX_
MXG9+2G51@VLZ&57;U5L>_*M=!N)VS:CH5$Y#KCLH3>$U,?4OX&D7<Q5JP1EU
ML?5!1AL'(KQ$B'D2E%Q[+D9/68Z%*;Z#4J>1N[X,CP#6F\;QZYT\[9@]WDMQ
M+($G@4%!TG+KJ5+G"%Y2S1`[E6CPJ;.E:$Z62XV&=<"\)<:^]$-]2/N2WT5)
MOH=[ML]<,WKN?Z>/%U&OUFW"@`*CWBIYW)>&LU>XN1"H1I\W5JU)14*44D3F
M'^R)[D$6AUU"G5I6KG@:O0K0C[/^ERV^6$@9K,QZJ$#M-'RE91;B)B&V3@:!
M(M*:O%:HT@O/I\P?E]F_DB8UMX,I(2<E^1]8[O$BTD92+MOIP#*O0!K]%@3"
M5H[GTN:(S0HD9**57E6JSB9U@'5'H953K#EL#B5F79/\'`>GQH2I3;CB&NA2
M1T7_`&=]23K<"RBR57L5C&&B\>D]GY_9()9^Q2ZE:R<HK7R!*E*GPJZ6KF<E
MFY%EC(4(['#RD+E*_%<;2%&<DW>?6.F5F!2)-8:C#RCV3K=SNIX[9S0*3_MR
MSU6OU<\&@BZ4R!MU:@V>Q#D3R@Y$ED<ZMKDCXGUM-*"CZDTKNV^L?*)L%SK9
MNH0:%1WCUDU\C#J<X2-<1*'.D2]Q(0E`(CUS$6,9%<<9,Q&I\,PVTOX'Y'V*
M^@E'6C(@&W;TQ$20/14^@5>5,`$A,1U[.2-17606<$[1-<K-M?(5(5_KG@,S
M0S#HX2:4->>E"9*H3#CC"^I%I(E5*TCUBUJU0Q54@UNPW(E2+&XY$GY>9&GA
MM)C64Q5K$&M']BJ(^95(LNR.3V%B2O8CTQ2WUH8<0I:^B4:()$W;TA++@AF7
ML^=:'=F9\)9E945C"HX*S![A9R3(>5.I;(O_`%F<`9X:(22L=SM<D0QC[[DE
M3:/N\%I(FH;>O5VVD!-VAFJR[9(,3H@66.4<T"NP6!)/4:O,COQ['61MK`02
M975P'8[3C;#4N,;CRFN+C/?-X)1]#/YU??7W?N.V3/V:M=IE-D\)0YY&E2Q)
M,:Y<(_\`(Q[$"7:Z\,(K#W%$'JVB\%+D(DJ,Y]C[JF%\0#374I[.?:^@SHJ(
M6N4@)B1![5KG0ZB$X21?F"1K-K]'R@];B$ZJU5L710+%\EPAL0F67$86[.B-
M]=;=>0SX+3P+%N&N^K.,FSU7M,RE4TH(%V'4[%'BTF7V#$[.`G9U@,$"82N2
M1';F>J@8E)5"4]TX3%Q9+R&'H[;J^"4;.J"V_P!6"9(P3"R*\V8E"ZY8K>15
MFEB%$1S(&]$,XIS>@S)M0AR:W8!=\KDP<)'&51B;<D;([&8XF*\IL*,X;?OW
MJE!&V"B6HG7"@:NM199NG-9Q8K:+;>7?K14($-@`)J)>&4..7FAF?@@QFGIR
MOXB7-0UV/&=D(%I+J8G>_9'$,TJ?(YVM<T`3H657K:!\*!4)IZ@6ZFT%JDR#
MI`]9(8`Y76'9H^VCWH/)2'%SDHXAKBG/A0L$FV9N3[*^M]-KXRSPWY4*!/KM
M^F@DALJN\*7+3F(T^]<Z4RW_`%&$@3>!47,IS/*W,7$+O+$=;;BJ^#G$B49Q
M3]*]5JIGN7'SP2KU*FZ*^/TVC!B.638CL">J".-.W\U5X=7D2:,Y6F#$99,Z
M28A1Q"Y#?Y4IGKB/N"CJ9:+KGK$#-06A,NHQ[#H5R8$1FZ[2)\DS:+G9"^DU
MM;LI(.N/S9DR60S*T(F39'_;:8&2GI#J&/\`N*"C*R);UZ^TFS:YAMWI53H^
M54%^C5I^+(H1^36[8<NM4)Z`;0W4AN>.5-VEU.J#6Y90LB7*B#TH>=(\A,--
MO/"T;U)T$V[U3D6V;5ZW+J\BXV6],4N4,!9P<>+6NSQ1EK`_R+71]36NT5D2
M)J9N`_8FE2`4%D;-CNS6^,/H2%)'!H1[U=R;6G-%T5`^M:`*R\H0A60I2K%)
M#C:=3&;59[`_6K!'K4NOM6QD-((OS(<"5TU*&,?53"V&N=X(JM470DF?WSUN
ML9&RYWG\&L)GUD6H\>J4'."0!"8C\YLF4_%'2ZN-BFR8D\00DO#A\D3119]+
M$YIB8OC?0:?5FO\`1/83U^)9+GM_F972:/:;/CA6VT2FE:*>JXJ+FDI\C(<I
M\2]V/*ZZ'@3.5^<Y+)A&&NJ2EV0ZVS(A]Y+=%HZT-D`]G]=S%,*:@/A4IFDY
M+W1J_(MY&E\!#:A$J:IH'2HX689!#UH`Q5!Y$.:\/^^#*_&6UQ;GQ]3P37H5
M'HNU>G=R`KK>D%V80""P/V0T$M>=7RLPDHH(XA?(K-S&6"FP&VSG]7HDDFBN
MDFT%YX6`J0U$=B)2YY"I2['W)]H/3(T+3-G311%BJ6D9`@"B.*7]X_`N/&;?
M68C=<J4S/.V24<#-YH:&25CX;CHM0>1%D=84SUOE%)'*3]AO3X"76^,C@+&?
MD7&E2>RJ%E1:TRR%CV(_0:Q$MHXR!JTF+8G.3;A7NGY\&1+?&-RX7)W6UNQ4
M.!21#XOL#ZMR)3R#6>4D,\`E_P!GN9TC1^+J0J/J5(T6R';)5KGVD\%WLN:!
M9Q*0>1"ZB1V+\BY2U(86GH49=4?2_5ZQ6*N8*PNCER(XH0'5JC=I#TJL`SU(
M?MXY8F"\Y7E4X`?'?T<]^!$^9B7(CB9SD1#C,9]:!*/J8\YM'J[E9BS`BC(R
MJ'@5B$2R8@?D5N25,V6^%FTCRM6@A:0]*T&></`&TOS`J2/4S8K:7W$NH;YX
M+23*@K5Q];[+[BT*;1)4^\7LSD]M4%,#VI,3/\^JX^N94?\`P*W+9J4(2:)V
M:NWL3*=A<+RG1#$SY>18_"#BG`UVZGH-X,CP!X`\`>`/`'@#P!X!H44_7+Z\
ME7#[[O;FET__`'AY;;Y0"6'0"%PUBO[",(QP9RLE`DU>=GJXR.K\>='EP8P!
MU\?)8E,O+^HUN9V[#Z8>OL5NBM'"K<`F!T,.>`+G5C''A,X\7SZEY=+KL2@$
MLTEYX)'7`)F4%WXQ@B%)C$67'H+T;BEM]@4F9;7/47&O8"Z7=FSW2Z?"49$D
M[_F8$O6$5R99'\ZM^:U.ZF89*JECJ"L2HG7^1HWYJ1$E\=%=D0W^LKXY0I-&
M*M7I;@\.AVF+;+18Z\*D9I8:P<LP5ZB9P@(/2,>(SKR"&TJEUVJ56SUQZ#PO
M'E08#+$>;&Y)6ROO%_<&YDAKWH[A]<N)&Y`HLV`T3M`2YLA((RCQ(\0J,KZJ
MY)BM6F)3F=$GUHZ.ZA;XN8:DP69"?DBMQ_\`'$AN?0K='I#@F,U*O2E:+;J#
M4L[_`*W*,R1<7)ZE%L].S^ZT.\5"O7UVN9@,>.0Z[8*,/2X63\1^?&D26)T^
M0V_SB`W-FP&C>K>;Z?9K7:[%-MC).XT,]G19`HM#B1$`+%6Y]6GN0V7A4I;)
M%(TDXIMQ2UH2]Q*NH[SGV]$3:,#IM<P[8]3C4IW88X+<:75T]&5NHVZFKN]9
MC-:!D^O0+&[3S@VP<D2AMBS,%(^R9#>B*'RE)?86U*;5P552K30S6->K6?XB
M5&'*T:NQLP-JLZI*(6PP-(ODHA,;F(R>1(\'A!#3A>4WDXUQ3C:6FN.NR>\;
MXEQ"6Q')LI9SUE]4=X8TBD0+Q*O;88H1JFD`P%U"$UUTVLQ[(R)@,VU!'/J&
M$X1?V%L[:H[OT6VY`B-K3]8SW'A:R6IU3'HGBM64WHQ>]'P+5%H]B:)D/Z9@
M,"J11_\`5=.#'+#-JC&+IJPZ`NNZ:6<)"H<.*`*R&V)<^#)E-*>6&YG-1/2G
M#`-MK<(%IVH&G\V'9K>!M,(V:MSH<.2V0S-JMW@D^FG,GI7;7_[8!L/D=4W@
MUAB%-;A1HO'?^`;F7+F/J=F.2T#2LRJ*R@^JZ6V?A3>C8-/K%C"!S\,I$4,&
MW"EU6M6@L\'2:D]'D34LJ6B_<GZ2E=3]>B.3;J56/](/7_.,]N8JR6"ROU$V
MR*G7::7DTJJB%P`%@'V3C7\71J94*T"&/R!J&9"8<2/U;"E]^[CRU/=%W-OS
M+DJOK76Z_F.I9<9NNA7R!K[9!BW62W3ZTFT)C3,VJ^4QF0S]9JM;"C/XJIT^
M%^.M,%3OYJ5R7%...*[X)76I1]>]&_7E42_5ZJ6F^H(1R#%<L,N+8Q$TG5+!
MS"ZQ1&&V&Y];DP6)[U<*-6EUMYE]F4?-RIKJ'&I/8_!=S-B\^P"F9T=*609.
ML18L;!G019PY,'OQIL>R:;?=9,2.Q(`L<RQ(D6K1B*4\;XEIN'QEI*.?'U:A
M&ZFJ5Z]/<#RJ@$KMH&[:71:C1*="JIN^';/GPQH/A]=@!A@/)I,^9050FZL/
MX&BI9EH9[9YLIU:5$7G)'4]&E)O1(EU^8]/K)D[7K39=II<0:"!5S4AC!.U4
M(I9(`6IEP^IU^[.!;4+,5JP@(;GX<MQN<+F#9,!WB'FEMN?Y/S)ZJU.MGGI9
MZ_D+-6-PI5Y.VD>^BI6&IRJS)S!JF2V@,[+RX^0(G4RB#),JL2I62"^QQ;4[
MH86T[+:&1H33_4(#<^AS9AF^3>L.P:58CETKP+E@S[&L^IH@I99!(XBI9U7[
M>MVU'8[@@5#%6&X.Q7XLE,1+S4J#58;JG?D2IED&VT<PCTMRBQ!JNL7J>GGJ
M$.AL`@P1DU2I((AE@JX@[S7,H?*,TA)^=2ZG<*TVY"D]G?SGX:WH3Y!^*OK?
M`W,S$GULP3.I^40BEDND4BN]42!0(CY)!"4>ME$I>-1PT%Y@=777%QN5CU;&
M2Y[JN,,(2F>XMQI#K?&0JV<Z?1G)HK0[HNP:&+(A:[4Z^$+,F04J4,_I$_.B
ME;+(CD:S+'3",,CEXMU:9#+L5_\`[R5L]0Y]J0W,Q]B]+?7^Y##>7&#%IGJ=
MKU3EDPZS@61/BC!X;7:?4SCL&4`D0W$?/?#+K?'V'8DB8/9XXTMEIYEX-S6I
M\=]0,+L@`]FK5J-KG,"VY1[E5_H%5?'JMN3Z#CT,]'K%1I0BF`^DZ_:"LMEN
M,,:B.DX_'E-+2EUIP-SZED[5ZMTS>9>9S[S9;AR;F;ORQ7AG*?\`&?<6<I5D
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M>D)<:$W,BF6>GY3)MYK%CJ)V2.Q.E`;'+@UPC;V["5LV@VFFT2B3+)-"(S>O
MN5Q^.!IB4NKY8BL20O[7&(,-U^4OH.55KU-^O!D>`:=BO3#.!&P6'9W;5<IM
MBL-MB6IN),[3FF8DQBX-7A`QXW%J<:X6(4R::^"$P4)34BQ?$087X[".)\&M
MVE!?_3'.-'S_``_/)EJN4*LX?7Q%;KO(O:<8Z=#"8%5B0I19JS5(\+C69E-/
MB=C&QL>"4@MOS&XC[")CW.AN:=37YOT@."0U%EV[?S8*S\N),18[-`E4R/T-
MG%I@[Y5JWE^=-FL_=A35%+5[$I8_)+LR2?WJCH8E==CQTNB[O(V#+>EN<3HE
M>%C+/>ZX$#NW$>5#"YP!^'::+>;=4KL>SLNZ6KQ*=$KRS-&'(:DP78A5N'Q]
MGDK_`,A:^";OS(/E'H]!!5BMKU30K7<[\*JLRG*(P9%?AA@M6E5;4ZK&J(%,
M2HB)4T.%C[$9D1I1!#Y)<A3''WW6F$-]!RUT,D&]"\^KMEL%M"W_`$*(<+(I
MJ!DYR/GTN:#_`*3?\ZTD4A1:11EG;+#;L&:0F&(I>5.BC!;KT2`W%;ZCK8;F
M<,CU#I&0>L6_Y7G5A'5`==J;:F(]O,A*37'J:):`SF!;QVSU2F0"EGCTN*ZZ
MXR2.H+D4M(Y\SCWT5]X;FW4C!7T<]>)YL=8[Q;YEM.;*&NM"/F+6(S&:6U4C
M?A&HVM4VN%/Z*V0H=C#5^V'7H2ZJX)XH;&0B0E]+'5=#<^Q>V3X9F?KG-"O1
M;$VT:LX@=F$+Y0E!I`^SD(9N]:!&=8K&?52HUY=NELEYZI+[,9"Y;$/CCB>N
M<<<4(VV:X8GZB0B<_2H&AVSIZFUQJ/BU(I`*\P;2_3:(%SK3Z,_4+#81^;YW
M*;>Y4MK<[&CNM3"D7X8[LDE*6OJ$#3E^9.YWIAG[)VHSK+MNERKH:MD*46*$
M9N:CR^MHJKF16P/3IP^+0X8^/""#?6\$MWH.-`GOPHL];SRE27'4";F3_P!:
MO6LSB(6NRK%I]IN%R;I-+IEH[(;JO:])!T8).'U2J#.PZ>%*]`4\B>*284IQ
M2"DM<Y7YSTA*&FVPDZ].AT[#Z8Y\>FQI*;;?Q,:1:=#/6T:/G5U42\!M+UT?
MMYZEFUSJU,F00#%[%,_C.CG81%L>M^,J2OYNN)#<SM7_`--<LT/4;=JQ9R=%
M/7FE1:;8N1@E&F34=&C2808>KEJ-5,I=:B3:!F'XDAH<18@S6?LX\PKOR]=!
M2:5##VWTFH=LL4JQKNMZ"RG(>D_A?PK=*CRX9C2]"(Z;.(R3+U0D&K`*K]LG
MHE#0A*1,",/QFGUQ7'^*<4&XPQGT(S&Q50@`L%MNED-$+!7+@]:[3`SNQO+M
MU=N>LW?AF74BE%>H!)DM/VDY%E0I`IR'^$ME++;+S*7_``-SK4M_0O6VH:%$
MI(Z09.UL92Z':\T9&U6-6!0\E3K=&IZ9@Q<'^NO1`W1T^@BI$/HQ$)$?D=3/
M$=8<4WX)4J@YZ&958-#BZ#/M%]6]'GZ*54#4_4I0])#2RFS$SK@HG/J,NRU>
M*KNZ&$.QQ<Z&T0Y$&JF\DJA<ZX+N=*$YNGJP#O5-SNHE-#OT%=&SPYDA4^'Y
M4(A2_9I<!=7$WJJV5AZJRQ`]%M8IH];LP3&'3H;C/>Q'6.+7SHE2%4SURQ_/
M=I'S/]LV@A=8)UJ[4C.#1FG1HU?$E.>S$N,("C1]:&6`R&?D[)<G_FERIDSK
M8V.GKWQPW/E%JVNFA*=<].\RV*S(M]BDSOYQJZ";HRF>#HEQ`I>A4=6=D0[E
M7OM1M`&0--UI7/D6XPJ7'EMMO1WFOHI"P4FBKH'I)AH0FJA@;C)K\Z?IT/?8
M0L+6LE'7QB-4+E.L71L.^P\_:T)047;+T['X1<(K,QAY%<!,SC,E_P"4-S98
M.F^EV=ZMJI35K):+JV2*5F?6^B(7]07%'-$J/8\^ENA3A2IDKB%'O`K.^^L7
M%)-"'BB4378SC_W*4"E14)'BV(9+2--VG3,[*CRQ:[W(^U<6$`Z,]/K5QG3X
MQZZ!O[F.K,._RXT\N\S,6,)E9L6$ZO\`[#;2/C0V(VVJ,I6U>C&%A'6;Q:]`
MNHJNT_,!F>_*5ET?C(@$+HC&:<G<M4VF/6D9#D@T(?>&1YS`19=QR?V'V0ZM
M71=SZ%]Q?7N-(I&LY+9;85,Y1H8TP("5^-'ABSU1CVY^Q&+F19M,9G\N>9)6
M2SNOPW%M\9@,1(R$-J5QYQT2O<KLYZ65ZXS24V^:QJ%L588DJ5:F'6\^"1K%
M>W,UL>/0-(D-5ZBC.C;",S:RN#T1(78X9UR-&DN0U2&U+6+N\#`WSU7'6FZ!
M2F4:Z<I5TJFDOV&]DQ\^JESU<"6R;OVA2((D*8J=A$L%2MAWAY+""4937\,V
MA2%?.VEUR4%=->AV:MZ$9!0))]=#+&*HLT0S8V*D106<3;)7RV9'\^L<=R'<
MB=)E7(R$L!/-ACA$82G38'R*=6PVPI3'6*-S[F9YZM8W63U4$&+?87H%@B1:
MI7Z(<GU]4&T$J[G>U@R/$.)`L&)\J5G6FFORXZ)"6.-CV7T(0I#_`%X-S.OC
MGIUBV=W.BZ-1S\VU&<ZI4?*IYJRP\^NIT^9I3UU$3;.6NLJHKMM>T)TM<S:3
MRP\X8S/DOJ1(C_1*T+!R=*,Z(?U.Q0;M![4^Z2:(7(WIR)K8A\MG[3T2WL23
MFIJIDDA!K$6YV1^(/.R),."5GS90JNM,,0^,0F>?4*NE#Z]?_7G$ZG>FK+D^
MSF[O!R:(4SZ30X5JHECK=6N<NG9O2K5.L;@$`W8V+E,#9@,4[#DST1X<MZ:M
MN,W\_P!C0-NFIO%X,CP!X`\`>`/`'@#P!X!X3U3!?;VW9)`GU"O&ZSRS2PA.
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MS^,B/X"DC.R_4'V2LI&V1[`3*L#W9UZ(DIS.XW1MK4K])K7L7_KO3&AXN=#<
MIX^N2[O487\5WK3;;XUM7&%L!Q[SPFY%X^V7K/>-QK&4,M5R!:[:$S+3L_/&
M)%SF5J17RVB4JOCY5C9E1'HG2<5XA7W8SJF4]ELKEM/LIYQ"U(",J&%RGUGW
M"D>S("W&K1:7,>JZ;W&H885>E%15=K$NV[9T52+?`L9)PP4$%:_<JU.B_BLR
MW&)8.*P\^PT.83(!M->9%M0]7=VMCEYH5>!A1`E>S[=OE<VH9?WJ]:3+FK99
M=J*,S]B.(AQ[96+()GWSL1\JB6F*R""1>QW5R'>1X@)I:F>RGUBW:E>RU=MA
MNV6A6.U27?VZ`$#WGI096:I+M^VNC*7;X%D(K+%0Q^N72M28_(K4QZ-+!167
M7H[(^/Q\').-.YUK?ZZ>Q]:I9E&:E3=B/VZZ^XBY-8?U1%5!4V%O-LOA3-[6
M!EL!V>MP:PT6BSIL3_RB#$V2M457>H5X%5W\BHM*],O8B?2[.&&1YUZA70'>
M56NES=YN`)@YI%K>]CQ]6O$@W-F2OPQ=*&7"H_-!C_:SV/%;^",ZZ*BLK%4D
M;-;-Z\ZT<T3_`&QFR`W+P#S/*Z?5UE[M:0%>DO5Z![%IN8:Q":W*AMS`9:7H
M()"G/M5)ZA"E,+8<C-K\&4U2G8@?J_@_L7G&G44[<1Q!56BB=6#F(]OT(=9X
ME,J!BW6"S4`510]>G):$7=^43CL&4*01#*#QX[+$I$B`UV4*VFBJ"/JG[=Q)
M%*@5>8@<\+H5I8L%R1KMB>GG+!=`.J+L8RT3BY$B=(KY>R]<F#$0&8D"'#B]
M4ISKL:-';%K$^'_5'W`GVN(H5<;52:P*-:PY03S>AP2=_#6*R$!9T9H^LR>%
MI`2R,'WNS0;BA4>1/37VV/O@QYDJ6\U!6):]9]=-9$X+>ZU#S:16O[%["4K1
MR>.,[B6,E[MFX6B936KE5Y.J2)B'AT^T6"I3I_(KDWD25'2B-(>::E/);I&U
M7[%0G_43W.G4]BN$]'-FPP.'GTY8L/J1:5:;5(M]6Y"VFN_S%CE@8<E=`N]0
MKI>NS"$ME,[CA#JN,+<ZT]"[HU-B[SZT6B3Z=[SFA@!;M:TB[6.\V\/UK4U#
M+P4L4:[+-9+:0]SL<M->J5DJ,<2((,PV6XP9J5"ZS\"FG'$N4S7U>1,8F>>P
MDIT/?--CQ;C?:%ZNA<^$,YV?`5@D>V71)<5[=[?7)YT?#`5J4.BU`&@%(?:9
M94MV:GC4=ISB.A5=%TJ5(5]3->,>JF.Y(Y/EC+E38NT'"[@34K)7B7;7:Z/K
MJLT*6.YU%%77;[D+O]N#D3))$>/"?L##Q2/'1Q#*$B[EN;,&4]1]T?GD13$F
M#.I(D_;$4,4:O98RD-5)UI]B9(*$UPRDA(:6U6K_`%^.KBW'%I:8XQU76XK?
M/#&Y$6YZG>TA.=%''RA20Y+*5ART7QC<K?%28R1K^@03&',`H$R++A3XIX06
ML*B[/PJ=:D=81)Z[,D--A6):NC^JNN6C)L;`A949G0\@+^QRJJ?DW^RQ9U<`
MW2HZU4LR@#+0R[(+_D-5\^%&]EN?D2A3:>OM]<<8Y]X)JNI*_7SULO@E_59>
ME=L-5!W3/IM#S.IQ=6LMJ(9!3[%=]7+%:S#FME712;#"%'`KS92,M]Z+QMN!
M&D]C0&NK$;13`7US]LWIU,M>M][I4>60I)?8,N`[(>!C#YH/-V\#!G5R8\X$
M'<&TT06IA>0/=7$CE94>0OOR28<=#PM8]B(0_1_;N4IJE#XTNF@JK32PRHA`
M.W74/"1H,*7?6QUXAO5TO#D,1R[AR*183(5\D5U2>N,I>CI^T7<C8K&,=W;(
M]O<+(K[MFS>:%M5+<?LFF.EN4RG\VRPF,NAYG%GS)I5J($S$HURPPBC+CC[\
M*"F#-YU,IM8RVFO,]$?!D>`/`'@#P!X`\`\FKYZW;WI&]6FT7>E/F,O8T^CG
MQE?#ZN3$B3,"NWGHX+<`T%R]\(PK`$S$S(=,-NI#,+DH>BP8TCB(S[XW5):=
M2MAGJI[55/,:57Z/7S-?,#BV5PH[?^[S1.=G\#+,EQFN#^A&)F@MTV+2S-\&
MW>>1XU')E)?)L%*HG$OOJA0NY5)H.]3MD(VBD&R]2MH2Z,UHGG&GZPUO!4K-
ML;T[;\(N%TTJM,N6Q<T*!T.C5>P<@#6H,.4)D\1#[%8C_`]VDJB1Y#@7N%'V
MG)=#V:\6ER'"A]E68;3[M%+U0(:K_P#>:?,''1IBRAFIM;U"A1ZG/=_!#EI3
M!V(^I7874]DR`;C2B,E=/7'V'NNW663-(6R-G1K28!6WG1^VV4(+O^3JO./F
M*S0@50!'(,VF2L^KE<L<4FMEJ!PJW.<0EZ9PI*Y'@327F9G9\H]L#7K#@V>4
M[YB>I5RMBF;O:H^BS!EK"7VOU!N+6;"S99%D!P3@M-D0M1:7)07FJ3]BV8+[
MCBW6035:OH1+W@$76Q;32J57%6`Z2T6KU2M48)7]+/5J/55QBVG.:V7MU#'3
M(P^W5.[UDD$B294AB;&@(#K[([%^Z/\`E41Z%86+U7]EIQH',L%(M6@!ZG=3
MQRU#1GL:1JB].DSX&N"LPLF>_2QC49LUDE/MHL+-A(<"_P`@GBDI3,9AM//B
MU78LS)L!]MF-SJEKUIV*1!UDI295E+1[NX2K]K.5&KWRJLWX`"(F2A2.:*@K
M!&X44N$"0J:\\TQ#5&89D.PC<::&+T+U\]E^ZIN1ZATN9RLZ!<3$ZQ25;#,Y
M"T2CGT84.$LU&C-72I#:K?Z(W3;#(2N;(%PI#<KJ7)$W\Z1&;HJJ(B`SUM]R
M7J^^$LI+2W$SJI1I-WM@W8Q,K3C%VB>O%QH-GKU!E2KB-J4_-X]X?&3&4E6Z
MX4>F2YZG)#J.QYC$+6)MH6'^Q^A>J8F.!I_^K?8>ADJ^-&U[EN)BZF;*4R?%
MJMHE0C4J:7+RZ#80SA-T3_).RI$AM,60M;BNH>[3.F[R->,X]8/;FNZGC9.[
MZ?H!JDT0_)K_`!X3H/\`-3/ZSF!>OU.BVZ]LV&VA62[NWY-54KLOQ0SI".4*
MS><:;=>[/0+6-/,G&PX=[,Z-[+D"T!!$%C$R;0@QF76=5.UABV9X-O>"V4O$
MGP(-NX<@VIB*`N45](^$(BJ&2&6D/RWB,WXQ$XT\S(Y'@?LA7_7SV:IMVNMY
M)ZQH@2TB:T5E7=$84JV2*Z:%M7S/;*.MARSU)FT2YL1]77^!71[T5'6($?[.
MN/"MIM/L5PGUF]C0FB7`P4D:3HN:-:XQ*>S`7L#M9%:!CK7]X3FC(*QD-&9L
M42SY!PJ`;)CYW*]`-QA+G7'RKWQ]6%53S(TOU/\`:BQAYL,L2O5?DC:?+:D.
M,>R5VX[>-^B#C<<AN(R:#LT:37ZQ;G",!4`*]V,R.?'?(L>QU+:G1:I$A,^G
M_L!-DW.9'L5W;<$2M!&9&S%]A-'@Q1=3@5[?W\?'2XC5I1%E+%7(S1Y#CI!,
MJ5WHMCLAUUN)U"A-T?N8D3ZH>V$QN\2[=>]`*V9LGKU@!N,ZN4K-1*:$Y'L3
M^17ZOLUZ\S"2X?%$QS$@:5B"Q@]8>*E`M:&E29`5CV,8KU3]J"%BLDI$:R5Z
M4=15@>@7-&_&U3]2DB;%MLFP6ZO-#C/\E0Z^2"WH9R".86.<AK^]MN,Q^,VZ
M["[D2J@UW1:#[@970#<ZVV!R);[P6$O0-AMAT91?7.%GV\CJG3;U1YIB2DRR
M_:Y]=EQ39%J4K\ER)%5-_)AI8[2=8U,@1]/-41K.E7JF#YE,-N:E<[S2+I#U
M`VS`)RM#TOUWL<\Q-K<4X[QZ&.IM-L,"6+GQ.0W>_>VRRXB4ESR#<J$;]?LF
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MA+P94=KUKK5:LDA4`\S$CQ7)#L=`F*F6OY(5N/8X8GJ;[.6"$I@]/O@%`JOC
MFU14>R5Y<D6C9X9'/6;ULL8B"M+$B!7-%&12JQXB0MI$!33CJH$-Z7]GE&Y$
MGA^K7LUTQ+=F6.Q\%U.-8I&7L-[9<&VAQ<9<\M_UP\6;9,_(>:#T6O%H_4EO
MSVU<>7Q]#SDA2NA6/W*MG^K'N"?59[7,#R@U]=FZ3RBR8&N3^P:`0O\`0Z<Q
M>I]40]?2,UNHW0M49PH?V3-Z58<*1R+L<<OLG\07='[%TXUZX;?6]MQ:T7<7
M>+,)HI,R:AWZ[:Q&D/TJ@F<5M--BXY(S05;K6'*6$%H1MR2T7;?)+Z(?92X6
MDO-NM\$;5*$WJF`;["WR5IIT\==#PM8>GU^-S4K"\&8S,Q=_:`K88+U+2237
M9#DP!=*6CC3\5QUOD!EMI2/P$?02JI0SY/,MD%;H4-"<YB'Z;`]@2'LF,M35
MRKPS^:3*]5>X`UG"`LY7"T&U\M$IR>N8\WP3P0USO)/92_QD!54\Z$T]:Z9J
M68V?1Z=*I1.NX1+M1TME8P_;ZG8C5)<DD'RUFB070;TB<]G-T/'')U>A37Y)
M,-\4QB1UB*L?%8!M/ZFXW@R/`'@#P!X`\`>`/`'@#P!X!A;)80U1KIZV6*:@
M97ZP%*6$Z2<:?>;'A@L%\D3FK9BM/R741(49;G4MH6XKB?HE/>_3G@'RQ9ZW
M(CDI3)X.N.%CIEFG>$H?$AHRHRYG'R_W/<Z+;_$;4[WK_P`?T0GJN_XYWP"#
MTK;,KT/EI<I]WKQN'4/XUXL3B%8#@M8HM3*O?H%C'$$R.QB-8?K5PA.\(M*5
M$XXIQO[_`+VG.)%HT98UIM*KUIHU0+&XT0QH\8Y*I_5J3P>72`_@_P`QADEU
M7(?Y<GMBB\BM?=UR5U??CXK[>_0*=R1+L]:;^7Y+"#1\)EFN/?>6@)^*PR/A
M['`N_61SXS+_`"0W]D7OT?5]Z?HGOUY]1",VC4Z'4':]'-6,<W)M%KATL/%B
MR6)DJ0?F/LL*CKC1W%O-,P%R6^RW.\^R*AQ*G>IXKG>BT9(_[75OBF/_`-E`
M?`.&,FR#W\R.^*"&D<?['+S'/R?LBC'^17?LD+ZEI7QJ^BN_;WZ"'TNT5EN6
MT/<L0)$]_P#!^"$LN/3+>_E._:,^*,J1QYS^1[SZ,?1/?F[_`.CZ^!0^"]H#
M`9PR"6?>A]*,%)+,UR)*_B(C`=EA^:Z6,)9Z,#H^R0GC793K7S*^J6_N5SO.
M`1:_Z_F^8UA-NN=N""@\H6;+!>J(179MH9K]5+74E&J<%M[LFRD$U<%*F-QX
M:777&65*3SO/!4F]"4"K96344),%G@\UBR1Y$D#V.2A/*+M0T<7.Z.2V^OLW
ML#G^'^-?=\/>=XOZ?3P2A$=)U^C98!GG;,69<Z/,TJO.!ALD<^<6:T2RCZE3
MH'(,J?"1&4;-$D);<D.,LI:0ZZI?&VG%)%I4P^6;YG&OUB#<*J1F1:^7GPX-
M?(V."L%%LW2RI*@4BM2YB_PSC9V)&^>.W'<7)0E7&WVF7TK:0#319JK)74!W
M+$L^%17VDN*=.J*04AVTLR%1'5.$^O\`(2$M2T=:5WJ_^+G.I[_GGT\$/Q^S
M5N*HFB38`D986*S-,I?*P&5"84CKG&)9-+DA/8$5[K2N(<=^Q"NI[].]^G?`
M,'5=%J%QJ%1O(DQ':KMZC"Y-7E%5)$O%.FFNO"XC$:>IEY1":WSO6V.<ZZKZ
M=^G.^!0R!"[4X2"L=G)VJNP:Y3XQ"9;#LHR.9$UJ**@\)DWSL]<CD44V/'=X
M^]U]2/C9[Q:OHGO.^`1BH[)FMXAVTA7[:'?@T@Y-`V29(G1(D6!(A=;_`/.4
M^^^EI06<ESBHLWZ_CR4\[UM2N<[X+1HGLXP)&?9_)%!P_P"1F5(1^=-C1/OC
MP8[DR:^C\AUO[F8<1E;KJN?\6VT]4KO$\[WP0ZG+/6U=^U-A!]5_"?V7Z<+0
M.]_KG^._S_TY(^O\)]%<_P#*_P#H/\_^KP"!IV[->Y9:-I<L'Q9M3F]"?/V+
MD`A,1'B9@>L-;MTV)"&QII`M%C$JQ+_'[$:?5-:2A;''..(^HM'6G<[U&U_.
MM%'?R%8L;?5(L9&G2@Y\>5J%I&VX3#:)$JL7J%M@A+0)L$44^U,[$D1&GE0G
MFY*4J8<;<4%*$K:M57?Y$ZQ8P+_"!%\/`^$N/=_.+Q4..214/[)"ORB4=MI2
MEL(^YU'$][U//IWP0@M9V[.K=-SH:"-*E$M2H;VDU0>J*\U.546H=>G)(EHB
M^<D!>R8]GB]91(2A3W?DXGZ];7]!:,R-&US/=$J("[UJS#70%FDQQXEV=*CC
MI;A:5_\`:X1Z%+=;DQSCO.\ZF&M/)'>*YW[/\\\"C6A,%6*OH@DR:SH=`T*_
M+BF2"B<),$3*'JXB?&)R^O\`(\!^$KOT>0ZI"F^_^KG/!#%%+]1@A`2*,7*K
MBR9VP0ZF%'3SPN)-*6@B&EV$?78$9^4AZ2;G@8#TQB*CG7G8S:G$)ZGGU\"C
M(K(W#*HV@#\O[=0+UUGRS(Q8>,1AR'!AD(/J1:0`-K;?4D0?F#+P,D1(;_V2
M);,CBVD*YSO?!:.E27F;O3:Z!L5J/6NN!ZU4$SEVH^2-#H8>M\&-(>(\.$7Y
M"(@I4%IQ*G4OK0I'%<^O.?7G@ASNVZIL,S9#]GKS+`W\+^1?=-#6V8'\E%3.
M'?FN+D\1%_/A+2\Q\G4_*UWBT_5/?KX!E62(^3,FCX\^'(GC/QND8+,IAV8/
MY-;4]#[-C-K4]%_+91U;7R)3\B>=ZGZ\YX!W/`/(F\>XVE"_82:.B7+&ZN`A
M2-/RUNMVHN?_``\N>";3FU-':[OL%H\)C\@6L7'D.5=+2PW%-GX[2I+R'5/>
M0VHJG<A`_P!UM%%,6/5R!3^">ME6B3ZE1;F^X3H@.R6.F^O=G8&/.F+3F@P4
M(1$(F5PI\\H,0GDS_P!+LE]N(\+M[%\T[W?N$X[E1[0X^5T#)-/N%FKK!)4^
M<1LX7HNCTP^#AF&B%DK[C$`H2.DW)MBBCIXH-&'QVIK3')WYD6DV_F9GV.U?
M=@>\BJ'GEXS@0,:CXG9Z[7C@BPJ)SG+!SV3CWF39W@=I@2K+3OQ*",2B&PQ%
MXR05&4N0GBE)<A$E2K/OUV]Q].W0WJ:G,VIU>KM0SE%E!,$KP`%EXUH16:F=
M@0+3QVQD+&Q4;JU979<(P]71<.`/AI7UR<J2CK5#BD43-_93;^"ZJU7(&;V>
MXRJ!>57*OR($FMC@FI5ZK;/8($<(7C:;;9-THT0MD3PR5/KT,X*DH<[,;,,=
M7'A.C6S\C)7/WK]CZ&W(!SJ#D5DM1"[66J5TF-G2Z?3V%T:Y^R](F1K01T70
M*Z'$2M"+^O;"!;RR[:!BSO4*:*+A(3.$VI]*EY>R'N%;\BU.I9E2PE$,V0]1
MIYJ?5KR<'4WD0\4HNNV>EN(O9.X#H3@-1C)WX9)48-/BQ&7?FF$!W%1^2!%&
MJJ8R]^ZIH)D.(Z14W<^GHT*AZ%>RA6ZP#E-%VDGF$8(F;D5`#-V,T[&TO1RQ
M.2Q7^?R9R.M`Q]V.@HTIMSH*.K%!]T[9IVK9OF%9%YRQ-,65`[2T/$RA<Q28
M\&=[1]*U]\4.F,]%W&0-P0?QIJ>M'(RB;[KC3B6V6W85Q25?QV(3IWO9J=*U
M&QY4$I6=G+3#USM:"C^V,!&#)HB:]8BM=:.:`6TL!5QVB:60J\Z*R-E)@$ZX
MN(\I8DNQ^,_*H44U4Q!SW8UP/'9,6*NT=B4TSRV5SH8K:Q%5$5BT+WNH#W=4
M3.Y,DF(%)>R=)\O*B]@,M0WG.-H0J)R0\&U%PY)[:Z3>!6_V0A5J78P6$9J<
M-0.Y]T\])V.U@;3L`A@Q1I$J85@P:-;!66LN#6D]*R52274\DNM,(<E".-*>
M9KD]^R77059$EC68YV;=*9?IVC,DJK:(Q$4XNEAC1>G`9"ZS:[[7`I?46VI+
M@N++/HDHA46S2'T-J["82+M1:=.]XK[+F_70_P#2%(B5US)XYT9*L\*09O%=
MTK9VL\D[-228*_VBHALVK597^5-:Y.L'813DB)+G,)B?))!Q7:I6H[WHTR:4
MD:%-G9^9H47M6O06IUE\L.(C\K[AEWTN_P!D+3DDB7]Y@RQ%/GR`2^1(;')\
M?B.+>ZCJ/!=O;N;!^M_MQI^X;07I);.JQ7:3!I[%C1-;L@5NVL,GZQG%_HIW
MH&;;O[44`66LZ+V"^IFOM1!Y02[]2#W9'XL49:252G:U[T;<Q78ULT<1C@8%
M9*C7)U?>K0VYSI0.S7_-LXT.GMV'MBM-=#3`@^1?>")[KL\-&ZM')[TP?%0\
ME+M4NU=A6/V!:02JS>AV,'F0.BN@HP-<D:T<L16-H4S+)-\C6/YXEK8JDN@N
MFH?('XR2:&VV)7)3IEN-'<><#:NA"9_[,=+'U:):N57(I\F,/L8J70(I^0N[
MVPJ`S[8;?(U.E.0+26K;N0CRF9HB35)ESX[*43U),*_':Z]"[$2V3[N^R_&N
M3&:;A\.$&!$9IG\H@8/N6!8+.=NUEP\`)4:ZVBIC!%JJ>/QX\:&DF8=%RS:E
M/RI/1ZH\P3:O,ZKWO_O,^-=BHC,,X%":S8MEDL)LAKDPVQ7<1K>Q'[#2S5?J
MUU+G1%Y,-9E`4P1*Q0L9I!MSB!TO^/ZN:+M1>37LUI0'%)MOLMEQY%EG^V&F
M8>FYFH!8%F^2U,5J]XKM6(:G"9M+DY1-BNUZ%"1]Q`0W/(%AZEK80]UQ=)15
M^Q1QOW_V=2[/"J%>Q0L3@KT(LRP[*M\O^CBLQ!>R1B;4-%8&DE/(O%ZBX&S+
M%.-=ALQXA*0I4>6B$T].@VHS!OWTUNGF9X@Y7<@L!RG18[Q;/JU-M$+1=;=+
M7JU5=M&.!",^8ZVBGAA<4B6Z^T3ZMMN1WG(S:FUHHVH_*E[Q^P!T+7K+)HV,
M=$.0J>_-^&V-];MW=.NAFE4V:%L=7N>@U2@B09"*WTNHE+)RN(C/+4Q#XZCC
M(.**_NO['M#ETIN+G9+,>W][&=3)V*24JKC`^DZI1:!LUW[-$C^;`9=T*CC'
M<?E#G9(9)0$^XXF7P[Q*FX3PNU5UZ$K,^^6@465=XL.!G]C35#%]=8%&[`=>
MLNIJ=N.Y"(IW)^LR%M1<\SUO+&)Y9GK194</.4E,EC\9IV8)M3-\_7_6;!?A
M]A`Z-)HT;2:M92XF7`IK\^'!-AH0NJ&$V(2`L$Z=8(XZ#VXQH$EU;KS79;?W
M_<W\R&4#+7AT-B?!!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`@&KT^5H>6Z50(
M,V..FWF@7&GPR$MMQZ+`E6:ND0L>;)99ZEYV/%>F\6M*>\4I*>\Y_GP5:.IK
MACWJ@SF5AO9E]^H/HT0!J0JU?Q==1'DV*;?=MTC2QA"R*=3Q-@4&K5Z0,[R5
MUSOU:<XCJ65\3X*W4U7[^MZQNY_$&,%LKJ]W8_IR2$NH@)$`98`U!SCUPJ(R
MBDBKP1<[E-LIK!Y$J;&=A2XT9LQ]>192V5\?%W:U+9TWTI.6K-?7_/ZJWFD>
M+E>;W[-I[6@=L5X?JC>B5^NA/[KFMA<'P)J[AGS@AQX2[(BP..IZAM"X//IU
M`*5&V4K9?UV[`1K=AK0.]92,AEX<2JSEH!%8I&\L!UZX0`;9>CJ1,XLWL;);
M3TJ(LCUL\*IAK^0JVT\F.T+N74S=P_77:RS$8>"(8PA!.&>6=LABJ%?[/73<
MZ]>PUP>+TIV"U]O\A>FMU9C6"4^\P\X@(GG>2N/HY%$W4.]8_P!?%J>N3YRL
MOXM'KX"P"[?70$ZM$H+=]8BOXJXG&M/:&CW1[.1UE&2*_ADQF9WX[DB$KL)/
M![B)X;CA!_K64,'BY$LMFDNX0&7EMVMNE+23%R."_6>*#A5Z?)5)*C!-&5BI
M2($0E_BX0^?&2CJ%)?\`N#<;&ZYZ_P!W]CP>'E=!BTJKF*XW!*:-0Y*7KC7W
MG9EURRXE*LQ,6RU#,Q&(E$D077'6NQY+CR5<3UKZ\Z(G2M"+:1Z<EK9@N>9$
M)?SEPA1CFN]A33H*1P.%KFHT':J#$:JK$6'+D")U0AZA">CL-)9CNI%_`E;"
M>MK;!2UJ10!Z%+K>_P!-U&#.K":/5["X:#4D"[,I$6A/P%ND!\ZIC0P&;"F_
MV0@2DM&H"'P\64RAE;RY?U6QX*Y55#LF/1LM8MB.W<Y,S(A6G]+:T.-(FUB2
M2NER:*[+A^H3:UH+LYET;(@9\*R20(K3C;DCO(Y%KG41$QG4RQ-VE"`B_P!>
M=MKL4)#$6#+I41K,N90_%F5F?!9I'\KFM'I9+8LR3#CR&16J5HK37'QG5-,<
MD12<AM<R*OJG'!=Q98+T^O-7]4UX96R5(%V,I>1MGM\:9.F'Z;9QK$D0P;&#
M)LZD,NT+IZ&&9EIZ/"N+@S/OXVXM]YR?T3=652KQ7ZZ;"`KM*>BE\KL-TK$D
M(2M/3]<*-`=<<KK/K;&%5V_S$ME"\ZNL-XG-=8_);(=B2)$-:6G.-/)6+N_(
ML:T^EMQ,XIZ[YC&*99*)Y1D!['3CYBNF.UVO=M@FD#G-6R4<AR7*"W[.%4Q7
M*VV^MKK3)!U'9C'>=4X)NU;)=4?3&-5LMW'-XTBE1VMGPWF9E'H-8;:@R[A*
M([A,+WBS0>(:0?DE&]2@I><=^LE[^/5Q:_M^+B0W:U*,N/Z[K#9@2ID&;EU<
MM9"UGKA:A%=%O"*]<6I]DQTP%H1RP*JY*7+JU<@9[-9A/2@\U,1UR*MN'Q*7
M6^PJD7MJ?IYR[`\PA!E4Y4C(\8&YQ5Q]YBD[=#ER0]_PZYJ"&CDM'3,RHW,+
MD#H`\\I"Y<V`26IQI[GR,N4BE0UN)_KTU\J7"3)-TR1(<!%L94758H`M!K,#
M^S6([=IV&+&PA;$DWBW+$43"_)G27GD`N_B,"XZ6N)=%WHV!KOKUK3GK!O'K
M.4&973FK57-8B9Z<I_2;5-;.;79M)O92"FM(CMD`E/HTVZ0A4?[>)DS$Q)#Z
M664*9;\$JMR97=O]'M/OV@RM4LMKR_\`N6@V0,7NZH@:Q.QLI9JAG')-<*X9
M+F+<G/71^N8^P.)DIW\<J8]*1)0EJ/#0.>%W)*A$W?UX7\-&SZOTFVY>`I=:
M.XI82E?@5>0!_#L>5@,'%D+8!F#!LB>Y//?ZI)LKA)?',R?Y:/*F/2%P4QW`
MW=^Y;'KQZ:7'%]BKEZ*%LT-B*_1+!7W+)`"EX^G&)UFIN$UA5?F$9">PFZ-5
M9&..N#VOF=6XQ-CH^*.J(M<H1R35"F['^N?0TTH72J'<\OKXV57*1`MK#=6?
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MCJYUZ/D*9@OLKDA`G6S]@VH1804:T'91&P!K'Q8X['K-DN]3D`AT(4==DF>=
M+?CN%9$M32753'>I9;9!RU3(<UZ`&S=X8/7)&+N5R#;[Q9Y`2!5919=\YH!?
M2K:PWH#18;&&DI.1%KQ'$5=?6GTI$QWGN)AJ=;B,B[OS+:]4?4,SZ^7R]7"Q
MV"';B5D!CP\*SQS)=!*9#><'DB`@Y6Y`=F&MJN$H7XPF>\3(R?XW[6D-PT_*
MAT1NIOEX,F+D`PDO^0[*#BY/2S;;)7L@?$>_DV6D(;::(?(RK\UMMMM*4I<^
M[G.)YSG^.<\`YI0P;.;=9G#H,QE]3:GFI42/(;>4RXP\RIUMYM:7%-/1FUI[
MWG?M4VGO/\IY]`,)9:/3;B+DA+55@-A$S(DP?*'EA4.;&>@D6T,D8:VWV5\[
M%(,M)0^W_P"EY'/M7SJ?\>`9]R#"=DMS78<5R8TTMAJ6Y':7):8<6EQQEM]2
M.NH:<6A/>IYWG.]YSO?^G@'"@2*:?D2FA@]N5+BL09<E$*,A^5"C<<3&AR'D
MM\<>BQTNJXAM7>H1Q7?ISGU[X!P,5\#%_&_&""(_X4+^-A_`-AM?B#ON^_\`
M`C?&RGX(7W?Y^)'T1]?_`(>`=B6*%SX[L2<-@38KZFUOQI<./(CO+9E?G,K=
M9>;6VXIJ;_WD][SO4N_\^?\`+_/@'S,#B2+GRD!8Z<[^+(@_+,A1I+GX4O[?
MRX?WO-+5^+*^Q/R-_7[%_3GUYWZ>`?2A0M<>#%6-@+BC'8CPV,J''5''O0.<
M3!=@L];ZW$=AIY]&E-\3UOG_`*?IX!^L#!L5UZ1%'P8S\F0N9(>8B,,NORW4
M=;<E/.-MI6[(<;[]JEJ[U7>?X[WZ>`=9=?`N\DI<""'$S"#!:7Q8V&ODHK&Z
MSV,3D\4SWCY"/V.W]CROJXCXT_3O/MY]`.ZN#!<2I+D.*M*VU-*2N.RI*FEI
M>0MI7.H[SK:TR'.=3_T[Q:O_`,[OU`_8L.'!::8A18T-AB.Q$89BL-1VF8L5
M'QQ8S3;24(;CQF_^+:.<XE"?\<YSG@'6B!0\!KX((D;"8^53WPQ($6.U\RW'
MG5N_&RTA'RK=DN*ZKZ?7JG%=_P"JN_4#K?UFM\88B\KX3D6+`EBHL;^)@?!&
M%S^(Y.&L,_C_`!LP)G&D_*RGG&W/MY]W._3G@'<2*%H<^9`V`EW\9$+Y4PXZ
M7/PV_P`CXXGW\;XK\9O\IW[6_K]G/D7].?\`+OU`^TCAZ)O"2($-)'D-([D]
M,5A,W@]#O7T0>2N(X_R&A]75\:^[[.+[]?I]?`/QT:.?8=BOCX3T5]AR*]&=
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M/^/`#H@4_&GPWQ@]Z(56XX4BNPHSD8DMYIMEY<]A;76IBW66D(5USBNJ2GG.
M_P".<\`_6Q0MI<EQH;`;<F.I?F+;AQT+E/IAI'I>DJ2WQ3[J8">,<4KZ]XSS
MB/\`T_X\`P#=#J3=T?T)(2)VWR``VL*,KXI;S085..D8D:*TM2H\-S\FRS.N
MNM(0Z^AWB'%*2A'$A72AG(X4/$C*AQ1(V-#5UU2HD>#%9C*4^\[)?4IAMI+7
M>O2'EN+[]/\`DM:E=_SWO?`.)FO@8_&.,!!#'(P_^(C<9&PV^1Q7T5S^,8XA
ME/Q#_HOO_93]&_\`/?\`'@'+P,'YV(K@H;SL!B3%@]Y!B\["C34-MS(\3OQ?
M6,Q+0RA+J$?:ESB.<5SOTYX!VTQHR'?G1'80]U*D=>2TVEWJ%]1U:/DXGB_M
M5UI/>\^OT[]O/_ESP#G\`>`/`'@#P!X`\`>`/`'@#P!X`\`\<A.\^[%OM=^>
MKHW1057JT6QWNO@[/CS+I8N7''ZD.AX=8#4W,Z:,:A-1I,U4AP)TM,1Q2OA/
MR^,]6B'(U$FV*S=YM6>^Y]MGF=68U6RY14>5XG-RURA$ZIK`_(+%P]2\S$EJ
MW#'6N-0KY(_#ASOQR/SN\0V[*FJ1\RZ1T372A5R?8/VM@0`R95SUN+4_X^U+
MU2]R?62:0-9%7:X)[(P^W5R$YG;+=_(;ZAEEVS-]A$>`52'?^R%XWW[!:+R_
M,J`MJWO'MV4R"=HL=IK8JP!;&-FTS/<N.SYQ1VY^O6^1\[Y/Y_J+D%S.]&)?
MU:=]X^RF),,],0E4P8W\4=B%I%/\>)=UYUG]@@&^6R@UXE.>$UGI,/3[H8R&
M3.+Z<*E6&YCR]M@B:QETNDO6O/6%`'(C;IFN"Y4#YG'(1!R2VJ/3*4>K-J?:
MS3/9/(IF?.9"`/Z2&D`2)RYI&4+^RENL8]*$:%<AG5!(C$>)9=LSL:6KH-IM
ME"&[`_&[&;ZM7&^B))]32.$-]OC^DB4V"UZ?23"[`JZP(-:R(?*I,:Q!P>[/
M6BSQ%G*H9&I-/H-`0SG)LQ4:6W+9=8B+>;2XU#7I[&V&PR]_-<]7]5JC5FKM
MX`X3H]RNH8/1OYH>1M92#AT][-CPDO$GO@V3DY$]I*&NLF&T1'4QWVU)=5Y3
M*IJF93U.OVTSTZC3+[!,#^U6B4,Q19+F='0=$I79]8E1Y5%G02M;#6VS7L4:
M@*G$_P`,P<@2H$F)R,N`_P!=C="5.J-5*CO7OK="X0`P^=K,-`ZF`)-J.9&5
MEOZ"T1O4NN:/KF>#'<.K(B-"K\EZ*X&C6&77G8U<XIZ:((2'69JQJD3F_P!R
M^[%=.V7K%9N:#"SC$>LO,8=.GL;M;*_/S>G/C+U.CAWAE%%*SB.0-\(#_P"#
MB.2TNJ:=ZS!<A/34)1?T-E=@OOM;3_6CUW)TXH[-U&W/5MO6[W8:),:Y5YIC
M-+/9(G\Y2J5FFAS00"3I[0D'-0P#=DQX+ZF>RHLISA%FD2BVZ]#6B;[$?L16
M?1!%U/D=QDW?Y5(;M&46BOUW4`(F?5%94*,S!=)N4@*>T^H2#TMR-*GT_P#B
MRD..F3*CL-2(TD6D3(7C>/9,OG=EIE.N6^SS16`/L(/3H_K*:J=U'U@5D^AG
M-`7_`![F8,5@&3$:O6H@B-`?AO%G$.(893+4^B2X%(U.@:V;W@K%?E`*=73`
M6M0+,3M<S2).5&6$P\ZT2^6"MU),2"QGVB3EV4"?I!4N=2W7"+D<)8QLA<6.
MPXV^T%(U-B/:FY>T-/"X#;L\*V9RSJS^Y1]!KN?TLD>HAZY$!.?/22D^+.SZ
MWVT0U4@3=F,@6WH277Y$%,9Z++><3!?$BDZU*2![?[MVF]TC/VI]N#L&8--#
M7&^#<=FD@46%+M.1R4Z;37K9B--%#TVBD6PQ&D],OO\`QEA<YYL`-BPT<D0M
M(EZU>R^TU@]2/8C^YV"\C]B&9A$-T&W`\W%5RXL6&R>N=%OY075*GP!.'$9=
M8TPT4$0F^Q)DYI4?D9Y;\QE3JJ32J\#5MZ]^Z^9#1P7."UG)4G0-!V*W<OEZ
MR4G'9SU)C;/8:71X\R)5\@N-D?KNHO)KDL@W)"*E1HD[B(3XAJ7'<C"^E]38
M!^U^P&W>H'L_'M4>6Q?@1NR8K66ZI5U*DD[-E<L53+GH=>',=<DEAEGT*`2F
MP(JN<;1!8;;[SG.N<\$T4D5Q8_8GW(J=YZ%@UO4;;#S$MIJK=%E9!\W=CSC-
MK3I=D@66E]K.81Q$6X7:BTJ$`BK18(;<XX2:_!`J0\S,\@2C0O[U*T+VSMFH
M:,']@>"1HL$$;7#K":H?"2(\R:JND*J:KY?_`%Z,K4X23$D"3!1/;,;E(GQ&
MD(BP.LRVUTDE&FAI*$TCW.>T]XH+?M:5Z<"RZ'I9>_8O<ZI5Z]IH-'6['Z^5
M]H'D=GE$ZD.AV4^U'/([!Z_-AQ/EL:T-J1*&J1H9FM:9[O9IFHRF5#/[*,&,
M0PMI59)>;&5SZGG]>LHS,M'&S'Y%7O$DCH2X]J'7`>KH<JZ_$%D?C'RV651^
MAZ6ZLE4[9/V*#F*?)B20AXJ:F'>0FY&86P3G]B+UBK8E-K503,:Q^7<VHFKL
M6BUR^3B::@TP4'M-(E08\*5%EB4B7QCM]TH%@7M'ILI[8M`M4F]CB]>+D\D=
MSJ\$77L%P@(4(`:$4HO&'0E'M;1-EQY@`1ZM(J2GD<E):7^2#2JD4I7=L]Y)
M5:CVX]-NL,.N^#,Y,IC8,\_,"9@VPB;9?8<4.G9Z#MIZUP@T-V3%B.!(PQ];
MG4?PGRJ:BH%I$GB)>Z53TGR8AGXVXF=29T#5BD,M9\O+_P!MB-DU[T3K5V+Y
MP_''/"'YTF6,?3"DQV8_$S$,<:;XXVE$)IN?@5AH>[>XF960?3S.@WV4W:#.
MN0Z8=8]=@Q\Z?/9X=]GQ&<TR&,K-1["<'Z,(S6I$RD[L7G>H)J7$?&QI\9<:
MZE2B_P`?0ZF97+WG;L;6:QTD,G`+NX^%)A.9\8MA^#4KWKP`C:-#J9$]F12G
M/3`Q"Q6$8\LK9)$>*)C192`ROL_*DPGII4ZS^Z?L7%(K0];,Z1)D9T*NS9^R
M8V6'LV6_F<ER>Y6+(U!:AF=E;8562)ZPM!FY$VO/.$XR8\XI*Y!E1W6I:1,K
MH6C^[U&L$C\6]Z88^@H17/Y6=C\2-6(X9Z75K#9],D1Z=C&@H8L5:)VN."2A
MH;+:4(ZXXJ(Z_#ESF:%M9?/JL;W.X^Q5ELNUN6;^QC,?,U:QA6<T/4_*J<=B
M["4_@8.=VPT`#RKQ"M]%A0#?%RWY\Z.U)YUQ47CWX;$(Z4TZ'I=Y3`\`>`=(
ME!:*#IXR0N0TP1A2H+SL20[$E-M2V'([BXTIA2'HTA"'.]0XCO%(5].\[SO/
M`/!6"6]T:]!Y9!P':3UG+4ZR/1P)U-]D@X5A]`JH=SR([*@M_=UE'LSJ)Z/8
M(S"$?+;QT!/4)DM\YX.3T_CS/1P?JFKB_3IS2+(0?LN@.=E1(5EH`"5)E(!E
MM(76*Y<R@<UG([L=RMU&9')6-]FK.Q6$1)DF(/D,I:86,T6ZAJ!(]@_>A_/Z
M7:F?Q`4^TV2E562Y9<HLH:O5R0QC:;2T:L'Q4*PW%8G4--EMC9W?X<?_`!S+
M7X<?L"=(;<;%I&IMI[9;%I^<WK'JUFYV1!(VJNZ(>AU6'G$Z]=TJW5.Y8@'K
MM!(F8D65_0Z^:%WHM^637^-\'V-O?DM)CK0Z)%)]336F;7[54$:9J,L:>KE*
MIN<TH/7XBJ@?(7IJ/9',ICQ-DY,*99;ASH<%9+18X=CZ^\5<@0!C;C(5;S#S
MD@::7W.O)]K?=614F/B'/C;0<!XH8,6-[*[4*I.-0[#E9N>8'7<<2S`U<&+M
M9=A@0&9;;<,K!9KA1*&T""#+CG`VQJ;,>LUFV&Z>SNC&]5?L#1$1FA>JE*HC
M/CU9H%`*"MJM<4`*JMP)CH4>_P#]JHL(<:Y)6Y)E)8E)>^K+$IJ,R,NE-"B:
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MGEBN&B%>YE-*UY@WZSG02;>8=I>O%;S8C$5L&%=JQ'&[W700J(`6ZS(FH=3&
MD=G22<62R+1=_P"<S-TVWVBS"7%!W[7C8L%9M(L=.@Z.WZXLF2XB'5BWL%#!
M,A:U71T^/8"-\%T(#,?>[#>:;:>6]':9COI4V*DF`WL'[D7^^L4F.-M.7K-)
MSV!<'I>1.G'\J/-0N<NB0#A*K1JNZ$M+W52!KA`Q8WT1.-2'$Q/D_%5"4BE4
MV1]2-IW'6K-=PFKB&*__`*^I>83B:$U697^E;5L-6@Z?'@QD$'G9$)><5LDP
M'G1E\ZZJ=U2W._=SZ>4DDET-9%>S7N=`DV0;;Z390XB"U+AMV^NY3/1T6O-3
ML;"M%L3TPB&M8UL):M2LT"["I"!1-3=('SGX\.>VWWO1JD38#T^V[<M)M<L/
MLL,OQ^5CF=7**T/H!:H5NJ%WAPJ#8P]Q5:*H`/QM#LYR3))PX[,AZ`H.C[.P
MQTJ(^B0,R270I"3N'N78K+9JX`G'P76;)>UGY7<(>D(S&;5`?LD8JF<@)Y>$
M@9=AMW&Y]49+A=79R_N)\XP\WPN/:BBTC2OX['3LWL?[=.2PS8"1P!9S6IE`
MUNJ]JR>TC*3DXN$@BK(0G;)`H-Q-VL%N@YIN<0*-N+[$>Y^#&D#)/?L4%(FT
M'MOL^P9G:L8!Y#7;,;(V.RCW"L2-5GS=4LPQV]Y_5B=3(%!]4LA`,:;`6B<5
M9=[*!1(L0?(FR)JV8BXKPD4FG4TPKWM][./]"AVY=QMMICZED\.QLO807JD`
M5_8J]BI#3L</#6*6=._G@)6@&9(J;S@9M`X-)<EEW>CG_P`P6B-BO5R_^RL^
MXT89?AY(?GA$%(K']4DYR1!1ZHY7</P>Z1+"Y:2BY1^5-+7>WV(6IN:^N/U,
M3C"$_DQ'G'`:7W,/I^M^X0+68`BHNBTU$_N-HK@3^S44N+KK0.JQL6Y6:1,L
MH>H7.?*YJ$6VVV2V6<_C&FY86.VW+8:8E(F`E$K^'[)>TW8%0F`YUKN-YF5R
MLENY@7]>S=:@6G53-FECMGQ0H=_AX2Z&(]?*NU&(0"$B=QTJJ4I3DXBVW]G!
M=L>Y\Y]OGM/;S+_\)>C%WJ]%MM:@65R;Z]RJ>6L[M@>]3$GZ:?@RX(XE6.50
M?K=MDH=C1HLQ3,&.ZXXXU!E+EB45*_CN01SV)]L(%1B1J,:G@7`X#!:78:_>
M<<M(YG,+$2Q8S;[5;HA5&=VLT7S1W1>5NH+5*;,D/RI13Z/Q>MQ)G!:(V;]8
MK/L%U]G---ZJ_8FB(G-)U7)53_7QVL4//R@O;+U%"!:M<"(V#&T#MCHT(:8Y
M*4Y)D_!*0_\`5F/*9C,B.E-#6+-=P]H,X$P*@"6?L((CJ;.5_=>,C-5Z?G.A
M[/KVS`*Y&C3RL<8]=*?0!P@":F2^]E_-!+<>[(Y&D1FF!6D;:^XD?7"FBY96
M*+?+M6J_9PT!M0FOT:':`7;F#]D/6J?$M!0AT0^_'(5FD2#<YN')FQX$J'#E
M?*V\TF0GP9C1:F#]?]@]JK7O\2DZ6R,&4<)3)C,QHQ4#E=,WQD<SV)'TT*J+
M3W0<(Q*MD=R%.@J.1HC43O%L0.=<9=6*TDM#TE\&!X`\`>`/`'@#P!X`\`TJ
MKGNS5+*0JXZ+FFBQG;P;J"Z<_,<I#<0QFET`:[:!6NONIMZUBJTT!PVPR'AS
MZ$GD\;BH3!4N4E*1K:11[]A%!@46??3N;Z!7($$I37&A)LEG+!\U1[Q1F=)$
M7JLC(UWENGV8M0D(=FBV.]*Q'TN-N,\;1\W0VLY[?N^<[-**Y?<\=ED`<#61
M-1A1]'KE/M];OR1NQ7?$BY0&,@W7YP2&;I29K+$@JTVY^%):?[#?;<=90%&M
M3+!?=BG<B95&G9O9*S_LG0"N95\0FPYF1D1DB[E!S4%;!@ZOW&<Z;SFP7*8W
M"B%8#;D1ME/SJ[QE;'70<68>F^ZI:P5.C6`CC]I_N6E4;.;)6<;KY*F$CC4^
MW1MZL1'KFADKB&I\V&S2<.G3DM.-07&EH;9XN0_+2S&!Q_(D0SWCH1F18GH-
M-M\>L#:3(N5;NY\E1*U6+EV+3,BO+P:#(,6Z-,`R^B-O!M-NEF83#TWDIA"E
M+:;^<-I.L!]@/][G#I(1`>%TU699A;@8TI$;8L8XW8;AM=1MXXP_&G3($EN"
M1S1IN/UCO6^\2MSBUI=3]HC5"IV_V#Y@BR4:N$Z3H0=R\S+0[&DRF*Q+<%5(
M!=C6>0+R1&"+(1)O`K#9Z[.ZVW%:D3(`V.J9/9BM_P"/!=I"!?[#A@PB\YH&
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ME'1$JFGIGWIE2U46?2<AOI2*:+#[.L!(71&CEWPZSY/[`72I:-5)4B\Q10/\
M\IB,I:AY5V,52RAMI45*Y;:D#6WQ)Z=]Y,S%UDK:!E8O-B@0!5J,QEP8(>)'
ME"ZH5Q`7--39A,S$8`5QIK>14^60G?!'&"X)"3+ZTB-SC@FUEU9+K)+3SFL0
M'J8Y7@N>V^N5NO65%GKMC'WV#8,PHFD?S8W@&7+Z.CQ6KPTPGCJE(D-I0\TX
MI*U)0(U0UW:]X@?`(6\S:+;Q58M8+*"X44:9J`N0#$ZG<]&K82\WF\?WV73Z
MM5)L*CI<ZW+^!R&_)BL.O+DS4QHXNTMWUTWGFV+UP<F"^Z_D>RZIE)RQ1XC(
M\`^;J&B6L;`K0Z/((/F)A4%16`D@E+5':@O2"'.1G'%(?0P(U0K.N>\=8.WC
MM5FY7H]7`N'+`$B:'8B&;1*I(_AI>XC89)U+-\D&AHPR0]=+3Q#LN*PF)'9A
MOR^L-RN]9%VF.`>_%)L,:F2H.:Z#(C6.T&*S89\&712(FD\%7[*LZ:,3",6W
M*39AA<WM`)Z+T*B>MR$J2YU/%,<;=#;K0CL+W:R*@5RZ5_/<?LQ)K.+/:8;%
M/S.1F,D>:`C:Q>-4M-XKI:-<X51D(>@U0JZ_&7,20?+OMM+1UQ]QQ`;62'GO
M[0"-AO%6J6=Z-<C=3L]4I0N.(Y3XD>TVJRW47GLD4Q/,VD;"K?0%F+HX^HLN
M$J5#9?DPTR6VN]Z&TQ37[%<U2,SV64SC4`A71;"/@C*O.8ITJP0ZL3J^2W*+
M<WXP6VE8Q!E`#;J\MT7`=EETNNR4)CKY%6KH;624?[HKL)FO!:YBEX7)-:I2
M*4YT_8:$(0FBW8UL-8B:B/["LAKDV#'L&)&$?Q3G8Y-R+UA_C?/E^Q(;38C<
M-=%X;G9/13(0N=&C"-?&R8XIT9"9@<L!R`"0;L!LY.&`JQ4@CA#DHH5G2&8@
M^$TX\ZKB4=\$2KH45+]OQ`6UHJKM1M5T6_H_:L1+50?7!HVD5PKI])R.M'S?
M\W>5RK'!E6ZZM=7(%MK>7`B29/X;?&VFWQ=NA"YWNZZ=H1&TTW.K0"-M"3AZ
ML5JZ1ZG+7=PKV*[;I5()QR8#05CZI&,D<<F(>3/6N6TTTEIR.S^6B3'#;K0D
M>0^T)LLS5*=;`!BS7A(@P<T8]'C4>E5_/JW51%32=L-FDSK_`#19+CUCL2F&
M/XE2TK:9?<6TPTPEQ\&OR,8!]^J/8F:LZ-S>_34F;+8@5CE#Y]!(B:8/KUGQ
MFKKLLDM'N/8MH#DI&]UZ1%_A?Y!UV,J4KB?K'2ET'$L`+OE<)X-9?9W7<U<H
MT;&R&XD.P'9E=NQ\4,R^PW2BDS-;*#'4Q&2%J#@'D\9XZPI/)*F'%_']7%"4
MUHBNVOV#9LD<`DS<]T^*1L&9;=JL00S!K$Y;E;]<Y1T=K:X)*/9_XDFD.2BA
MFA[[+W8QA-I&NQ'%M)(+@B[7^/,R/_OOHT&]47+['G>BUW1;5<Y5,/5*1RH%
M9]&?X6H(<86*/`K22B6`63=T\-*5T.N>Y!'*ER9:640GN>!MTJ<M0]YJE:^9
M^B5FM^IK^A7*BUJ!VXSJ$.&A1&E4.'H='L=B/PK>2`CI%G#3/QH(?\E9B64:
M7$9CK<ZW]X;2SO6GV?I7M%7K%9Z.$LX@2#)C8\2388P]+!\.>"0K%7SPJ6)(
M%(7V3A<]/Y$)UQL@.D)4S*9;7]OW"--&RG@AYVW;VUO8F1IY<<[GX,`$*[C0
M<MJQBJ7L[:[Q=\-`R9UF+&KJ**0J'3H*B(R>Y#!2V?Y`D(A]F,2_N4Y'8&U'
M\SBM?OY!@GJJW5\IT8R%D3;%82S'(%-_F;5C@JE[*69U*C*D:!`@Q1;1['YB
M502JHIE^.Y&XW!^^8UU(;2Z\2]Q,EWXAJ$:AJ+J&Y?'_`)&98B;E=B@CH9)B
MWUYXG`EM6"2X!_',T4BE<8Z@1,3#_'F=:Y%DMN^".+74J\+^P_*3$:,3_I.B
ML5^)+>C7:U,*STW6:$WVT":@*F$BE=OI;EHAG"]A@*CN5Y!A*8TA3KO6^,N\
M2&UG7D>V6HE,+]I]6K.5_P`1:,LG@X^0T#0UP8DRQMV7(,HO=;_MTVFV>SP&
MT'3E_<;YV+)0]%9XEEYI+S3GW!152(_)_84$%&=9LI.JLR<;HF=8U8ZX3&GJ
MV/NUFM=W@7&PZ$%9BV^RUFOSOZ0"&CX[<"&^Z6?*,D&>-*^'Z-AM_,N7(=P'
M:CH&CFY4.ON!LVIL]VO6=P'RMG88DIKFP5>T#94\S8B,9D1)AXD%?=>6["9D
M2(_9#K4=/V,L`U1'5Q[W8SC:+G6:-7:[9AA:Q,WA?YA@G0%`6I-&7!5.'A#@
M:Z%Q]_GRH!.--ZBN++?A0I#;\SL=M:>]!Q:52R*A[%U"ZZYJ&+A1A-ZVY@(C
MFI3K!6FE11V,[-DB9$2%)!6@J\",P#$;L=^"::&2D?>A?6_L^_J!*:5-;07[
M$JJ]G=<OUKQ?5J^@Q6*K*(#Q#]`M;4#1KGFK>O5W(X$V)<X#QBT%L[>:(LS?
MQV`R/G:CORV):E,(%VZT+[5[-!EY]7K=`SZ_D[59],/XT,RB+RG-W/NF5,C;
MH-H`2"DRW1J"Q""Q:*5GK(=,]A/#XW'&5N..--+$IJ4Q8/V'9P`B3I?<LV4I
MQ+9XU7V!H[/_`)[=0JB'ULS;=!"_R&AP([`0&QB1Q'XDYR(6E+7`^"(XF:CJ
M!=K\B4PO=ZG.F6A);+]4K;$`@,"W@^;3G35>SH]8;M=L^JPBRDXNARDR5V"Q
MT9Y/)0Y,Z!!CS8KTU^.VI[K`;6183^PS.3L-J<'S'5S,:.W-Y89(/F;'(8"=
MRTDJ77QC<P9HLF/:I5OLD)IF`L)TC&XB4VX^ZPA+O6PVLLRR>V%,C9:,V*N_
MR<VC/Z+-J+9'E?:,.6L8!8.N&YU3:8M`9MMB7(K\F-#FR%K3Q]GOW1E(4E7!
M*:T/E'L51K1F;^J&\KNK9W/-.KM/#9T9@TF7?HNIW>/7:U28("9%MLZE0R=F
M$:["8_,499CPHY-]N6\QQN1Q(M'6A'GO=NL134.NR<EUI)@U:5T2KQFF\[?9
ML]V"7BFYQH8(?+1H/(\-K,[A>8D<E-FJBPY;3$IX:Y.;8^JPVD"K/NMCX5DT
M4`X?J=>*6\&OV)M4#@6@139'(GZZ/<G>P1YQF^OQY8J('%L0E#?G=LWUBML-
M#>H2CP-K\3MW?]AE'J=>64B9G>"1@K5=CL=)KDNP9:+*6CN3!=(-1U2AK=])
MV*M5Z],Y28_C"LL?R+SXVDO<;><ZR@%%LM?*?<#.]4O>AYU&$6*N6'+@DTM<
M7"KU9(BQ\NO2H@N[!5R*S83<V'.J1N7R+U4V-#:*<;<D#52XS:WN"--*I6X_
M]@E!GLO.+R;9A[@\)$OAN-.'Y^EX-D!`+0#T369'8VA269=>_!TT2EX?&6\>
M9>_*1V!W\1U7@NUG`1_9!@PX[3Z^X,O;DRUI#K<^V!66E@_Y2)1.S8TR!(M3
M)4P5JQG210\Q#$QR$D>[V4\XC\:&^\D-K,P"]\*.;CNRYV8:;4QG]3:L3):Z
M3<G`AW2<[-*WKPRG2B3NG/PA1J=G]LA2E2):V1+,A:HBYG)/.-J#:RMLS]Q?
M7"@UE]W.L3OM1I)=N&:EDP0*BIC&].L5:F%A&?I9CWETP9N90965#XTY;?03
M?6(L?A!#"F>I%<6^KU-ALS]M:5I&S6#!4U:VUC1:G7W2MG'EY%,)Q`1D>+HA
MD[4R$BJ6VPOL$Q0[2A*FY:F>"2*U26X4M]<-]*1'&BKV*7OWNXX'VW:,9J_<
M\F3L\JE:?KWR66,2MDV[#CV;.ZD,/T^,2BS8`$;3MLK3@J3]6^OSF"B7._9&
M3SP%'2I'A?O^ALA9)>NXU;Z=FSF>"#;#L5ZEVV2+,2G/8UR=7C[HJYK=,+N(
M##5K%IA05-1I$A+,UUKYT*0+M\.I.*+[+^OF/4FZ"Q^76?'8.:F(7=)J*0E:
M?F5NQV0O:1KSQ2;6K*=@6.7V'3?S%2XTN9\@Z1#2VM2^*89$:;?B!GNQ-EZV
M'IY;'-&JU;7T35;BDY'HKARAWFUW/*JQ2IIF0&T4J.*U.QKU\0TCHGA&6PZM
M]Q]#349?>AMT+#T3W0RC,=$GYA9!=V59X"SS7>#@XZ3`DO"Z54+H%98D+,L.
M_)>_[;_%`_O;3R87&SF%?&ECCBQ-K:J4\:]O,VU_`M4]@<RI+EFL/KE\ULH3
M=M'`3+<PJ8J?R`;#6'`5IECV)]AJEC?B\BRIH\L.=?6Q.9B*[WZC6VCH^Y,#
M?OYEU8D5Z%8JA>AQ,NG1(Q<&S+S@M8ZB;RPGH(ZXC#M=#W^<9<@0FLK.R62\
M1F2'DLQ4):DJ=<ZVB5)M9)\_]V\BTO:N8?6(=G?/KY9$,G'&J\H%(D5[DZ<V
MIN-$L4JSI#V&LPDE1I98Y`F3&DL,_DIF.<C<H<6E4W#\&1X`\`>`/`'@#P!X
M`\`U5I]"]1*<9[.J#V7P3?3-AO43[+S&)OCI-/%W&NV-\)#(6*:V$JU)'Z,=
M8?&PT,!PZC$M7X[#C[BE#59&M7K]ZR^I]II-RED35:TP4?TBP,,.#BAFFUF$
M.J`:5C_]8JT&#I-FGSLU+`<XD\Y!=*2`9&)#Y\,)B)#8CQH5MU+Z&'/36V6$
M@,JQG,K>4&S'K#:)]3M@XO&J*3Q*_;@BTV0J-.]9"#2MB<-E&IGW_'R8\KZ=
M0GG/MI/5U.G7\<]*!'<N8!S:,YVA5H?;,P9>V0V9^&C5`E"M0$M%;(WJ?_9Z
M%2"H!H@+_+Y,%!G6%NQ>,=ZYU05D33OKIZQ&<YBQV*V!D9WP,)*"3XNZ6%B)
M`K0=Z['@TJO7@;96B(BMP8FD'4,_A3F8:1)61#YS\%?P>"5=?,Q,^K>FA\*1
M9=(8ZH*JK1K9(?$7L2)9%5`HF@!1%Q&$0EAA.5L0EW,:XT,+0W(R(TD1%5$>
M;>;XKP7U$IS9WUAS4<.9S:TY>%@%'!&<CGX%^%$E&2,(H9M(FJMD9QZ?),6%
M9;2Y<[C77'9TATQ\B_O^9'>B.K(%0V_5BT]SRSAQ<2DR84@I5<\8,6"?1G[9
MVXONVTS4$!6;-%8T>#(*3G9BA)!H@PQ+4MUIA*N_?T5UZ'%4,C]+:S!K<ND$
M*,*89U",BKG`.QFFY\C2F:P`J[%*@66+>>E"75TVLBQRJM^2[`=&CXK"H*F6
M&4H"LNYWRV'^N%DSG0;75I5!=@W&%>9Q?6;!92FC`FI!=FN"K*3*V*;>HTAP
M8$;SL7';:CF('`J!#*(3L)3">H"KJ1O,<?\`6BD4$-2%:-2[):858>T=R^-W
M$0Q9UC6;9HNGQ--$\E6`X_%KU7LFQFYXXC*>((9;GI5)E2E?]U85=:EJT:P8
M;:\:J%N:L$$KE^3%R4"OWZ[V6-(B1R&+G#V8.W69<Y11<$JRY,`RG&RKTE2)
MK3W'U=^KG^!'6OF4L3R?T;?N8S#%@*S*L=T;):FP*"WHVW("QA$)JH#V$3A=
MR8-4ZM&Q&[S804)#_'"RXIH@VQ'^V0ZET6LJ5)@?S7TQ@6"XV$L8H54L-IIL
M./9)H_8B=&D1:19R%-&L2Q#02[A&Z:)MY*@!(KTP6B#PNX.89=<>ZG[>A61(
ML_MWJYGY#0&L\L5'K@L#^(#THB.ML.+0J45R453LS'UD\W,.<KU,L`6ORA`[
MC*&(KC\6,PAU2^LL\X(ZOJ=IW'O6"Z0IN31H-2)-":54JR:H]:O!&$11G`99
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M@FTZFR7<Z];J58B$$A*K`>PSW`FK3ZZ=O\R.RF5G\J(]&TZ+2"-B;"!I$(C!
M:=)&(<"-R9)1Q<QQU?\`GP2K(&1A^H(`UA`T0Y6NG;C;`S..N9U>)<<M.Z&S
M^.`CSX\NK6N"2-9VW3,E@C2#753!$OHZ*W+9=4A*DB^HLKF4^O$FQMT^$/J<
M6[5]FF6Y@"(LCD&XA(E+MMMM%,/?QL`NT:BB8%KOQE:5K;_$E_R<B.]QUEQ3
M/1*LZA"OX._F43!+9H44Y7@O]4R@O'.ZY,@78Q8)0UC^(K=LL0:Q@[)-MMUA
M-]=?@K<;<+M/.<ZPXPXI'0UK4H'0,>]=M%N>=20EOH=#K^;Z523SDT2Y%88N
MMR>T0%;:WGU9MD*^#`7Y2[MC<1,X'*%EOHIAO\-F++2F0V*FTOJ;#"<N];9M
M?ERP@>@SJQ5(<RJ$9XTVS,$`(U3K=YI1,*2GQRCL8<Y7JWH)Z#*;>6ER,W/>
MXY]JN)ZD2K*P&@/4K2]7CY_7JY7K8?"9G(U5XY5[;"?K<VC:]/<H[X<PV#N;
M<^ZUR^)H*EOP)$`A7EI&,.O]1(5$XX+ZDC-5C-_3>N!^,@9>;/#46MZHNDB.
MEN668_>3T[/#O:Q/L1ZUE2DZUSY.65MUJ$_)<F?&(C);1QM/V]!N1:X6GXHN
MJ6?-A#=6*5"^DK5*L=158/YX:8F:I')W:S140)A2?^+$M4$M+*<AQN-1NQGW
M'V6TM]ZKP36OF47H.)^I]SK5TI1&S5&/:QU)FY&_<;!I+]QT'/VKT$TFF!X,
M\Q<K85/IF$.:2=99AD'^\)*>ZRM+O&6DM"IR7T.D0@>FN(5&LZ%#+A&V,]M9
MJO@C-7U(T3M5@NQXP":LU/)STWGI72RKQ,7`<E`R\DEQGD!C_P`?G(S/$!ZG
MH3VP9OZF`!H"38W:!6@(<MF$@6B=H3U;KD\E11D9G)81B'_9X`:UL!8-7:>$
MPB*)D=3@],A#2G6>.)#U,EV"SL!Y68L/`K;63E6/B16AB1=>OTRWP8=7MK/5
M5\C71!`\754J3/:B+2/A06H8IGK;B&&4=XOG@CKW+Y\$-:B&`^MMYT*XG9`0
M.:NZG'G;X#&WBQ(@,EK/2WZ0NPV7/1%F9K4.X&:"XX-08?'(*NCO^VF1UM*?
MH+5I>169[UY]+YTPU&+5X8IAHC<;#9#L31KI!!TJ0!8*B+74R-@'72+#SX`]
M"V\LEVKH=A"'V34]2H?>.N]Z+619<2O>NE/K^B5L'P66K^A""1VVYF'MA6X"
M)]<M\R1$/SJWFBCY,16ZY8YML>=(=#084.8]+4Z]]ZU<5X)J4UCXGTPM=5L9
M.N5^,S3^7&,%E6W1[B3/CKV<K>HS0P-^/<;/=[,]9NR+YER/Q8LV5^:MEB,V
M[&2R\VTL5[D6W3LW]6J12SM"K$NHHJ5ZND,8;@DM,)69^P7FO#ZI41U=Z:L=
MK+FG3(`75@XR.,:D\5#9B1V$,H3SB>B>JOF50+SWT2U:08I=:&4XK"'QK;<9
MAJDW(R"%<=LM_P!X@:5$@6VI6@8^F6_;#]X9L,)E]+7X9-]B2GL1Q+21:R1L
M"UE_K]1X1VM+"TL!`U.O'JZ:"%BR&V+G6DOW&V64;R"6)+X0',JO1F9+XRGZ
M-LS7.K[QKB>)$JV5S3LR]1J:X(O%:L8!QC/#2[9&.%]TM-N"B+1=`,JCQ+>=
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MT&@3H%NY>%R)TC1)Q88J"D#HX70QM=<F6N5!K]?ABM,M#A2`,_&@QI!27*=:
M1([UY(M9$0A89ZH:?-LWL,40*)9T8$GJ@0A'K$3%YO)(5'0]>"V^Y&F.6=NI
M6F.:,VR;P?)GLR&826FY<!;+CWW<"K6G<E5*S_U*A_RD#-CU#FVQ5X77N$S.
MD&]"/.:W13;=\BCC3]@O,JRV6RU>Q=9)2(+DWDKK2>)4I#7T^@5EW(ZQ5_5/
M%?4^F4.U'*=;LFR"%$KL=T<5'I29N8X=/:+LB1H@YSB[,3<,3I'\4R^Z\VF0
MKG$J^WBO`;;=>Y;":QZZVRJ6ZA3H8(>,O+[M\M=4)G9M9M"GZ<L`&C7M+7#$
M"TUIVNJI0IZ$6AN1%0W(D:4RZV[]KG1-2M;53O47&*38/9>4,B&@5=0)LC=H
MC7TY<FI9M@_6%CY=9?L=U?K,:U7.X@A"B4Y+\59TFPP^5D/K1UW@J<FZ&`SK
MU/\`4FIYY5Z(8D"K03IS];IM@-G-,/-6*=8EU^$*;SZQ\B7R9V+7CH_B>+HW
MSN5Q]+GT3`<2KZ]!N3=27:GC/J-3V2ENO=4&<DUC/+>5DUJ'9[)^45I4$3?Q
MMD))H$2S1H-G?%B=>L,1J>]#?D0&CKS3+S*74\X"<NQ952K&!Y2JY3Z_9102
M.1+C:O=&#NK&S=?:M[\*#$:CE@EJMQ,".OME8<CK(/\`6&2YMYQ+TM<AUSKB
MA-6:<X/Z\>H[88I8BMWJ&F"3UIIYVM7`+8K;4LK<%S!E>H53RRKRB.JW'MNK
M*9./0DRJQ-+D!'9<.*VV.8;9C,MC3<C;('@WK;+.$.U$0&8/UFVZ*=LT>E7J
MP#)S5BV,_P`MFC#[U"K-FBK*#;E8H*)L@.70\/Z]&;ZW'3QE'$C-65)"B>CE
M^;*TNN_T^T,!Z]`N,'M.MQ!V3-52!Q?*&5T,O7[*R:E7+/H&#?AK4,<3-$NC
M8S_R-OK2[T7U=2P0?K]ZIE:>9JL&H5J=7XD=N5;0Y2RF2)<-(,T@L,_(N#Y.
MP2SPL^[3[;+7U^:\B8CLG\KB^/)0\D*NI)`.48+3+&TL28G0+(<>$DG(,W:]
M`G2;25H0NNSFK(5"EKW+:M5F@5T<+_DBDMF3/F"VV&YKSL7J4]$JSX3F'K%=
MV@#$07G=B44L]LU2N21!^-*(G+`=GFNW"SP2@LMTD=B2)YR4W)3QUZ$UWJ&_
ML3QAE+85:.H_Z\^L3,0Z!)56KR8919EXV+.V<J31QEJ!>W2T/\<P>E*&B!`O
M:3?4Q&N-1!T8SSXFVF^1_L"K(]&]4/5^RQDN@:X*L4ZJ$K"-?GS;W=;S&D7'
MLXW-(]U*)*N\E.E'@Y:S35J;LCDV7$Y,=:;6PESO/!=S1!\%P+U]SP$_$*Z#
M2-1M5LM4_0N6'EJ(]:=YGECHI9ABMQ[#I%_LSX/.C^7!79"YIDHY'F0U)>=;
M85R,@&VR;W4?Z@7/10EC/(SZ\ZH<CY;90/`9IL[:B@C'-9E1Z%:1XT(54N6"
MSK3;_)5*F(;4RRIYQ$OJVF/L;#U)>1-*SGWKNUFUBSBO301?+R[Q:*5K;FD&
M+171;$#@_I2O!>$K24;IU?!)>C?02-7"'CDNHXVPUQ?.=$JZU[F';]>?5\M:
M;%?XU<KDTV',7#^YRH5S.+"1K(=A7_\`MDBYUV+9/ZNY9&A.OV%OKQ&(J9`A
M&WVVE,LK2G@5=*'WBM.]8!4BE6#""U90R1R*HP:</H^DEYE=L645<;#J]-L'
M].B6B17K2T%%1&1D8_*A29[3+:8W97T3]G!7N[FSG@R/`'@#P!X`\`>`/`'@
M'E`;_6:R26/::O`-<6-F,>J-\?"VB!#$W0(5U\J+M46K@KD-K%B%6A&PSHE@
M@%6'W)4?YU-OI<E]4R-[SZ)?KSO5B9L`<EK6>A!NA2K;8=#B5+,",-P<9L!3
MV?G@XE'BR;NN)$K\=SV.>Y/_`#VY#I+H=SG/BX0<_%#<3FX>D5VT)VP$;!;L
MHKY.QLTHQ,B4[-2L>N-VND4S0J7%&*%3K6MV=G9F'9X#DX>Z[R0ZTW-C?/\`
M9(;<:#<O,PS?Z\&Y4.WS[*<SZS'[T:(V4^&>I9H/4$OG87LNDQ2P\P-:XMQ"
MTGD_V'4J-V-.:F-='N/<5QZ7WX@WE[#</UVZ>L%PP38[N!(65^`NI5W0X`=9
M)L^"%1`<D,9O58D2XL<KPF<AR620Y,EO\\/U+;S_`.0\\[X)5)U70IZ9Z+66
MUWV!<+K:,L3`3HE,UPJ$K>:S4*FVD,]BL,_2ESS%DF(E9>^'QEIZ!#>CJ?9)
M2V7'.K;@-H?#=H5J;_7[:QMKHU<ILK.%T@KDENSJ]6`IG<7ZTYJ0+HX!P[1Q
ML&R0'1^BV&&S)?@$/C?8B+'<3(XO[FO!=Y-SGH+=YBZS"%;,.CUV#<J9;+`'
MEU4VRJ9-I!/*2@DM#F!+D)D32K;6;R82(Q%4H2E)?\I<5V1"8^X-QRQ/U\S`
M$4+$J]VID6/_`*<CX78F9>>K;3$KQ++<[SFS:#1.CK!&Y7-12[G3$B!+=3)8
MY&E.QGTK^UMY(FXN&B>KMHH'K'9\6K-R#UN]V26Z3FW86U<BXH@2XX!B27GX
MEJMAFPB$6:NUYN#*_CR#"QOY"WX/4/MH=4#:;KV*#A?K=?B4%FO_`-_JG;4S
M9&[0HXJADIL*9R!5KZ+%4TNLQ<"EI.4=)>X-?F1IA-YZ:/9>:6OCK_7D"[]2
M[C_JB?/>LR<5F72M"+<O8"6SL%*N#-U2DN6&9OQ??D5)@(*L[5DAUY+\]0Y4
MB.23,^K?YW.??]6?!*ZU*0#_`*^K+1R@,G3KSF(,=G[P^Q4&*4HUF,E&[)RT
M>N]ED5ZV70G?';`8H(US!6X(QO[_`.0;BSX_'7G%#D?DB[CBA>@&K`,I/9*`
MV#/U"K8W525K.RL\M`BQ'"X[+!>6'JRZ8K>ACSL+-TK#Q3XN'%G,3X\EC^-?
ME/P'GNJ#<JU),[Z(VZ&0KYD1><YF$*"<D6*HPK'G1&:"LL\FWEKI-C2(,:TL
MK)L,SZ/-=AKBK;<9>>A/J^]R(OCZ@W(LGUP]+(?KS8JN=A7&'8':^"O`.=)3
M56`I0^W;*KZ]5J$N;,8*2^IC@DX7WK#"OE2B/-991U/(O%.B.52GZ7Z-66RV
M@Q<-'F4VK1HFG>R,^KA:W3HR;/*KNH:9["%Q%OM%B4=)#I]VA1],@E`<UF.R
MZ.3\_'4<DR%_!"[BG;IZ-:K6RU-0#8I]V.W8_EE<M':[E(T/F>?4G+K=ZZRF
M[<&68TILG3+O,KN+=ERI#,4JF;(^".PVAR!%[)%W*A<\;]?!5BPY=_,Z34B.
M>9;3\KJ@>K2*/.CQ76:5'R-DP%_A$6Q%(_B+-8LU?+?D2!DHNJ6:_&7)5%A,
M-N4F[\R05/T.*Y_;<RL])O%5!2Z08I3TPJ/ILT63Y7P14[.O`(6-'6!NMSFM
M3$%6A<]12++[!3'9FQ>IF1HZT!NJJ&?]E?3*W^Q&CN'Y^G!H5$_J\D+"JA6K
MERKPMXC1]#I)J(W'AVH15S(P_P#WEN9(>)CYLYK\+L6.XTQ(<^@BDDO,ZE<]
M'RM6V\3I8RZ4QVL-:X7UP@'F9\ZNTBY2C/L!,!U2D6)JQ-PJY7_P=W<Y.[^&
MZIR1!?4VE*2+G&`W:4\BUD>NMQ>]M&?8<IH<$A5A0.PBJY3>B#3)45'LU6I0
M":&Y+9LS=4=%QB]2?+?F+$.%Y+Q/\9<E,6%'0H*K;3N:_P!\]!R]RTXC<9-Y
MKD&C3M4/7&-DS'-"'`9+-^5V1HMA?/"KT.L,6^6>;$AR>18CC8!M^/)=1#0Z
M1D.)%4Z*AB3OZX6)[^9):O()^'3*I4::;JZA%DJ8BW!Q*=`9MQEYVB6\"6CG
M9[E[0_&5\CC*'$R$/_)^7QQF4&XO8!ZIGXGKAJN`DKJ$C#KF;/3*%!%`BL^I
M9K6Y2@LL11_PK!8)MAME36;%2)4V++((_P##)O#(RV8;$;B*3=K4E?KKZXSL
M8/72WFSU<,6'08:GC<2L5ARO`@I6=J.N:61A5M$HF3G-5MIS3T1F675]<6[#
M<DK[Q4GXFA&ZFKQ?];$*3-SQZ+;:^\&J8*L5:QU#@2R5(!;AD7MLY:#$MVBV
MT$2Y9)W\\PJ*MUQYK[6GVW^.<?2MD:WEHX#Z-LX?KO-+5?T6:`D?;H[==<K*
M1SB"*2BZMCQ;A-)B4GLC+?7=+5)^GP<_.:;[)YUCG?Q^".550KNN>FQVW:J9
MMMX*9_6X]4W74=#K-;`U6(NZ'ZW?=6?ML&PW\PBQ38LLDERJQ7ZS*Y#9='_<
M]UQ"GV^?:+NTT\",C?UQ7*"V.=7H^6NS4UJHYB3C_P"I)_\`7V:!1O\`471%
MN`!E757!NT%O]0Q^32BW'8B6Y3*$-=X.9Z^&Y>!8=*]*-&J-]K=\E7_++(]5
M1HC.!@(MF)ET6O*AP9NON&%*D76:Y"V#\**A;)%A*1S34B7$_%ZU(^5`.52R
MO5_UDMV!61V1.N=0>`NY/GE'*UBG@30QBWVO/:[6J.,U,RR>L)MFOFDTVI11
MJXPE$>+-;4E<KY78K#G1&ZF[?@R:>Y=Z[7FF^R^H;I:;P$L8VX@SM<`CH(PH
M-+1Q!.WP+0$B%H_"']88Y3QT7HMIV)$Y*)\YV9+>4\[UIL:;]-#6BX>F]VK`
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M?RRTGB8TH=*EJ9I]/G@9%-;`JDMUQP'--N0I\B;WC12'T?QN*[\<F0VH2+H4
MU=/0$R^(O4#-;/GM.;O12^*."&*2^$&'*[<]+NEVA!"A*K3!YN'VL1K5&^%^
M$XQ(>6.[&2['C3'OM%W>)B+C^O&RV.L#!7='#$I(9T-(<&SH5A"A[6F&.D@R
M@RP$!!608APYH\H_)9=9X\XS.987U*^<5WP-QLD%]5HM>]<MXPH,2`P96RQ-
MMBMV%0)^:U#_`-I#C0@([9VY!#A:XR:T*(1X[[\J7^3-9B\3UQ'UYW@F[5,U
M_B^B5^[8TVGMMR&M%+):JS:CR*IG$[D'*)V?WL#?*RO`X9$LJ.%[;IM;9;LZ
M)J?BG*=6YQ*^)^)P7<C`U7]=UNA`[/(MEXS\]=2K!>:*D/U8X5!-G)<KUD(R
MHY3A<PN=RKWN;Z[+;/P(*8<;H\VJ'':XS&3QT-WX_,OV=ZSG2GJF7P5,[,^W
MCMRLEXARP,`]5Z-2+:?V0OM-;F``PJ=,+1.T*<9BNP&)/RQ9[D-')3"HK[C/
M@F[6I5=C](]5,G:]UG2Z"S7!>TPM>,?BTXI7C!\XW;<=O4^R36Z\4AQEGY)+
M/BHYJ$MY8AN(3CRELNR(:&^B[E_(1%[]<)H571`&JV3)^QVL]JF:SQUDSB5*
M`"V1V?8O5;!HM5$CR\5F'H[A7&FG(,ES_P"CC$G...*6RGY0W^)F-"]#77:A
M<9S!T-.LCJBIEV6&H#)>TF@K.::Q58M*6R\:&RS@4B8OS3LD<J8RQ,CM/L\^
MQQY+J`W%GY=@EKN'J,?S*ZUNL9T=T#4-$T-=:36([5?"#+%[!&-2"QGZH@A-
M3">(!5L..L./]?9D/]4\EMWBV40C?JJ8#._1F?5=<K&BV*P4(J)H=\>L0(;"
MIKK1.S041_8^:/M5ZG3YLF+,U`<:WY/$$F6OM0V-??1U+D_XXE+NTH9K<?2V
M7KNVV'6&K0/3&L.4HI0Y@K)LO)%+L8VL:K5H!D2.$$(H:QA#8O5Y:)T.=]B6
M5-==;^5QU'8PBE14(#2O0FQY_=XU\&':#;#(G7#]M;1H$2UV`=;*9:26C$%.
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M*("&$)+2IZA16-H-B(2S;SY%4[2WYS*GPS3JQ<%Z,X[%^SLYYM`C=?J:5Y9^
MOS2'PN<7X[=?X/0^T`_&EO6F'.<L-`ML:3HS6.6WH$0;FU6U'*U1;<'"'PY%
MUT;*0";Y][R.J;\%<B_/7SU.T+!+X#N7S9W:YEAEV,#;I7&[`N90J78;#HFD
M$55$]8YI.PG9A*V3PT!YIQ<5A[BGI:FT):9CI$<JG9V/T:DZAN[^OPK[!""Y
M96@2YE6?KS\QQ\?(;C57V'&](M%8J.(V/+Z53Q#:OA_\!T&MY?'^/)0@%*BH
M2/`/3IS(,7UO)25K6\4TP1/J<G0P)&QK-SA2*5VD`[?,%')\H<"NK(]?RR$0
M%=CN2&T+ZXOOT^P'*K3*4/>@EYN$:)$-&L,K[,K/1=,,?TO."H](=VEU;7ZA
M7&*)'D%?C`U*]0M5Z_9!J^N_8EB3&:<D)F]?CB[DNE2PE>C\V#>F[%7S5#$@
MEV226X-BTY4"8"%-:UZ_ZJ-#UW^/?9A1X[\K("#$I'VM-?(30^E/5(=2Z&[0
MKZ1^OBV`:W!!9W<LT"I>SH'EAN-/HQ-@,@(O,,QHMQLXD<!-#DJM1(AE\=^.
ME_O6%,RN\?4M3"/O#<JU9LCZL^KW?7N/J$8F3A6B5>3JU<L"IU@F3SE;C%[8
M8$?V@.:E2@L(^PJY2F9;D%/43N\XZXKZ=;88$;J59B'I?;,PO&5V$J>S%\9G
M<:LD)$NM4TB.N$PM4<$G^NT"IC#$@AV..S(N"D(L\F#UMQQJQJ=2GY&U\?X#
ME5'HIX,CP!X`\`>`/`'@#P!X!X_BKS[R7(QHDN,C:Z""!KN%XJX0CG]8(%'S
MPVN3Y8;))QD_D5;AV"L)L0^.A2PC,A,Q,A;,,[,;4E](Y*1\B641_P!CID+V
MNN)4QJM4U27D6;A1MAM6,SR5=JEZ`:1[$R"]4QT+4Z'-,Z+3`@$T*5%(,0;0
M_P`00:E_>0<Z[$2(Z:+L1:D6SWPT2W+C'9>H8[5C!K*1JZ^]20IRY5NA%A^=
MS)=GBW(GB;.:)L?5N6.-9>K($B#,AYE2`X9,1/'0>U'!!L_N1/+UNY:*"U"F
M#)K35'T2PYSDM;LFF5&L4L\NDFCE)'M5"U$"H[5M)J:;$EAH>4=B5`ZB7&CH
M4QQUF#T]CM4G2O=L:;`6?2E:*9$,[6L;;,BJ62V;E@X`63-CYLT7>5X7#ICN
M;UFM*'%FH#1&2\9^.4VQ9>D>L"G:*19)O9^A;9:]OLEDS&OZ,Y6MJ]9<]]:K
M!-@**C(M/':);-MLEAT;^/>DQ$B[3F00>W%><;;Y/CO62&GO_1/V`FJ:^)3H
MNT^ZU,SZ`&#L;:+72,YKC!6D)R9\K$X$J4/%&<[IN7WB'FMX,R-'U$)(L\0^
M3GM6..`)-J40CBV66'U"^EE^'V/86'@IJ166M9LFLB/8CV*.!7M"IX.T66FC
MI-;VTGEJZBW)K$8`1K0G^3`1ADJ)R;%4N0N#R0MOKC"!G2OD5=?KK[69=8*]
M7+1JOL/,IUUTVXU*+::]D&:VO040ZS)WMZD"Z@'KN4/1R4BW5NJA"1&0H7-=
M7$8_(:Y%97(5X*J/P,]6+/[TV>S4NOV:?K-0*';.,A;FL1FM+8I.<A6[%6NU
M=>-6TM3S(^PL7"F=*N662N4>4(F<0E/1SO&6G(/33L0(%</=R(/S&AUASV/9
M?A9>*K%VN5^HD"P%I5ED,M33=YBS#..P:\R:K=B3("L_G&)[A&,QR7P6J$[&
M)2*7T]=#NW`9[2BK=8;62M.Q$9F<<7;Z<5N@$$G.H8[*0GO)7465]V)4Q%2%
MV70:S#J,0ROY6.2D'V)C49EM3"F#'I_'V)+N8KV%V7'_`%]/<(;)#GZAE.@'
M;-5:-7ALT*#LU_L^47[-PE]#-U@Q"9(Y=5$DHH^;+6Q%5-&*2^Z\Y*ZW)$5$
MV82W:C[S9Y8=$/%B]F3G>(U;0KD)38:)&=[ME!RFZZD0E12U@"Y4Q3*[I%VJ
M]/!Q(TJ18`#3XZ?^1"%.NS/RHPM(LN'5=!]MP`?UEAU0-H1:X%P%7L>H&0M2
MAEZF0*6"Q5(?<*6=$",[/M@I%2KQLA-BRY9FMQN-0_JWTE*3UA`RMNIRX&8]
MT%Z<2&Z,;.$P`K%*].&#KQ25"V+C;RV6YB<=-.'ZKEE=HU;LHG8B5I%$!BK)
MR3_%,QN(#M(820?![:?<J6HW#WM+M#2'2NW+%5X(,LTAJTY%1ZR9MNCK,>MD
M>^YX;&/4.%,YFX!RSW5(=\<B&_-88D.,$ID<=&DK%])9.F3O9RJ;CM92ED?8
M,_3FI4^\"ZB#"5R=5B88%Z\`(M:JF>V*P9O:8859K5F23Q")$_.)NS(C7UC*
M1*2U+!4IVJ:^V$Q[Q7W,CP8B,TTSH@R9GQ/`Z^>S%\1F6ARJ9[829B[5M=C[
MFU7L=7/!Z75`4Z-&(_T]$P6K\SL-QQ^:B*+Z:^1LYL1;=&XF!7*@GO99A,K'
M[.-N\!C/0\@^@C/OF`*LUBNU!'TDP$AZW7LN3=)M?C-(X.=+0_QH3,WYVHLR
M$5-4Z&(T/2O;`1BN)/U0!K)._%;K<)4T^JCQ_P"5(TRNZ/P?G`O7*,'S&Q20
M)W2<LGLD"'U348(V7$EID2H4GL6$NA*-7X$'>T#W`2(6\U-]B?[HG/\`3B:`
MO<3KKE7[[(064,]SA9#F==BJQ>O@U<ETTIPA_'6*=UQ$TX](0B+V#3R/IJ7[
MKV?\^0#T/V!"U$9-?&4::2R;-`ERN-2>9]C)S-FO8FT95P@'MC9*HU&"TUR`
M)4D?*C//PN2"*U\#TE3N6SV>W$(<<ECM,ORP%LUI-HJYS*@PJCTR[T\I=JE0
MZSGDMBLP/[R.DB'2,2Q-3)AM+,V/&:D]C.N=:>%I%,L*1SVT+74K9H/^V^F\
M=?UI50L,7.!8"JWL-:;MZ\R`N50:A:LX%&(5;KM7$3XDZ1"D$.&I(]P@.._8
MIZ)$OU'I+=V:^>U8'8;K_18VIS:Z%L8&1'`!\Q''\]<PN%4,\,G[97;&U599
MFP[-)T5X\*_@6",J<Z(3U;(M*D1IC@RDJ=B:Y/;-<L5;W^_;=7]<.4)JIF^U
M#')69CA=A/UA,V_SID,-5HH4=<C=ULE8;&CVQ\F9SZ=ZTCXFWWGE]!I)T1J5
MEN872&?Q$E'S+31A6?8,XMN:M,4G0*O3_7:#/]C]7O7LWEG>6897ETNM1\</
MB*_$<(0XD>ULQ6T#&U-(;99A6SJF,NW*D6G!45[.K):ZE2-5]GWZI3KE2K;J
MD-^TVCW@:*U2RV2UECS[N=I;PF;,+`KD56_V(VVXAEWZR%0YXM5K^.Q=%^S3
M;@OL+I%NSM-[A.:7L-'$2+]$I=$.D*=GKX/U'JEBFTDP8I<YR`+8!2;=Q?9R
MB$9J0/??XW]["_NI%2FO@0:+?O>LY;J?3_QMEJK+P$'4;I:'L]KDYA;'+UGK
M:]5#2)&3\I`2Q3*L1,19<9TJ0<^:+)E]"P8O(+BYJ/3U,N]8_:AUU+-T`;->
M+)2K;FTZE5'F65!5+O-%J]P84:OA>Y*I/`H';Y4\4ZA+;I`3%B0UQI\0=\3K
MCW**(LKTZ>W>T:.7NFSA+PWR-2K'5*]9+I6"-:(SP:K;7+()@$&2=#S"7)GP
M9!0A&0^[7Q2Y#$3BOAZGG'7(25*:'I)Y3)Y"ZU["^Q0':;*"E$]JS'(BFF@:
M+%-!\;C:%91?XI&Q1..9FVK#9(FPQM!"CFRR&HS]ZF0!W.//*'O\?AH&TE3M
M4CN9[5[K:+8&0CA[0(9AG0JE2]EB#,9K#%7R*`U9?75!%5#M!&HD15A.E0ME
MNB#7Y$XZD*F/U?68G8+*Y8M(T,K1]*]T3PB(WL\B\BQE@:T=B<%I6)ECQ07J
ML*NT]L!B]R65PT7$8Q@_/(FW(1X6V287R(U'?MKG7&^O"4CV.HW>?;PY<1`=
MF%N%`H]+LV%/2PPF@)8C-OA;3!J)RN)(L8W#A3,TO8X@R3(1(9>SR!8O['Y4
MX5UF7%:%T^Y:]`L7M/:_4^59=3M^@@=+:V'%"A%=`SPQ`T2IT^)<\=E;%4WJ
M\=Q*M(LXD2XJS)^\4#+,.`OMC))%%M/27H3T[M.A1D2Q^XV&8N!J-3%;(;)/
M#0=IJ[W^M!I%JJ&W9VP3RF1EAM>R"YG"U<-("@FX_921TJ,]*6N98X+<B,A5
M+2+9L!>P]G*^FNNU>]SM!O5\7J6WAJO)TK$=$U4C!(IU"[/9FF#2\A$4>Q&Z
MQ'JO8'\`9CO]@Q%O17>RG$M):X,K]6A;^#4RZ!-=<LUE&:+!_G_4GUK$GU76
MUE[='B7^L%-/9L(19%<CM77;QT8@PLQ(&QXO\@^^F2ZE7R([P'_RLT>H>Z>\
M-V&8V6JUBMQ6EW3N>%;'HMXQ`A7T1-`+API"R9NS7Z;BEF($,2DLR'NQ;"U&
MA-*EN?'_`&EI#?.+&FHHV[DV7V`"Y+ZSS;?9=3BS[=;8\G?+;5<K`'M!J4,K
M6+*9`UENB`Z#9(P2JJNJ1H:>00&G384/O%//M==>(,#.E6:ZT&]^_P">`1#]
MI-68<6%K.6`U2@V2M]=;M`VQ8(+GY8:)VW&ZDW.I:(]CM<@3)KCI1^1!CJ7_
M`&*=V)\OD--1+&(V?V*IOK1FK8ZU;T1MC&A:R#T6ZN91$O>NQ.AHFLR,]&M4
M]6=O0BE4/7T97Q?"K`AYAX5);4B:RP_TBS2:5[4%7$[CF.(WRQ/HO]<NVC>T
MK]IUD_5L]K]ROE.H=B*!H=E*Y]7!E&,NW8<`B0FX(^5*&6*7&$?<ZCCZ(S24
M!HWY4(.$V/W@L4>J4<P$T>H70N1HCUHLPW$(ZQE<I=B5ZGP)QADT8KI>B-VE
M/]DT*3)'J=FN"GX<GDAA+$&/Q4%(_;_*7![!2?94;JEF5CO+6#$-YW&-NV>M
M9Y7+++MIRE9WM9\!2R!$[7C49V"4O#8>.\Q%;8FJY,['CO1URN+Y2*E-34NT
M7'W;:T.X6JK_`.Q@UE,K`T>XG[#C!G^F9>P&N7M/.IU?S_\`K.+Z$6TFCSI'
M],66(1AIV2J"32K^5'=F+>@0U2)VI>]>\5GAEY.<6*USPS^CWBL6ZZ$L3(1Z
M]F%AK&A>PE4JX'/6*UBV@V'2,ZG*J-5:.36AAZ0TV[SZDA;D]YV!12/<G6FV
M?W0:KEL&6$OK3E6NO-(:.$J%B0&RV*BM-EO9H!0JEG=>@4$T5-`+?_7:*Q+D
M%(Y.>B(0Y+_*@MS5R(PBVG0H1WWNF0"%5<-6S/1]>E)`P`07*VBU@K=?JN8:
M\3I#X@Y=<<_I$T+>GZW5F2?VF;<29+R%Q^*$J?\`Q$"O;4NNMV?V($XOJQ@N
M=V3MVE[W0I9IV7G;9NP9IDUR?RZ=>58W6N4&:S;!E2K9@JJ*UR+8WH#[+Z'&
MY$F,N-T32O:AK3FKONA1,H)KHE>T$//"YR;LC<0UE`D58;Y86ZMZW"ATRS19
MU-L95FT!(%HN)&*)'05OODQ"(7XLEF&J`\*]K+%_MOM6>",1;MHF[!#02R>M
MY\#)RC%IL>M7G(5Z]07M/MEC/'\$AV7E]A@)DZ`>`*'5M2A<14M@'^)+6K@F
MGD<]=OONW9(CZ56W1:BF#GMAL5HL%J]?(78=9VQC.K$\:S(2#'4!^P7'(J5<
MU"GQ1$0P4)'.]=CL$B7.+0D/261I.S^Q\?&O6LS1:-LHN^VMR`0N,<G5HEHG
M<4#+UD?,J^AC0&(S941R^"24TC$D_P`=068\2"\N7)%RN,P'!**K\#AR6U>Y
M#V\Y57]!.F/]>D*"Q:K5_8\Y='-6`D:3K+ECKC<ZH9&Z`J9S/BD.J,P$E;,&
M<?&=>ZN,5E34O1A7MIIU*WM&K_L(AV;10`:JV=X*'[H(FLVEC*14U4J-CZCQ
M.5;QK/XGX9LALX/4*TU78'.=;?(T@FTRCO7GDJ"D3X;M'O+9EDY8&[[('J8A
M!B+1R<O#Z!!LN@UQN'[9%Z_;;F'L^9M3`EKGR\_H4!41F`'1^(3;6N`S)*M=
MCAZ5]?\`(==J^?L`LQ.\MO%K)2N-W"Z(C@:WDZ29>MC:YGOL#9,_2#+W/'$4
MJ?5-"FUVELR^,E[<222DN1_R!:YG(C(>D]2L\LI"U5,42,BB@8\W&C0K%`*`
MRH#K-@C0XW\SP=&+,LO2Q*9ZUICR6NNL/(3]6W%\Y]?!EJA-O!!X`\`>`/`'
M@#P!X`\`>`/`'@#P#RVLWO\`VE-@H1&M9(:[4I55M6PFQ,NQ4_A:T^O[=+T`
M[7-!&RW976P=D;EYO/4NNN=[(7U^*A<E"5R%1AO:941^Q8#TH1K<7.[_`'N7
M"(S@35A&AHE>&.72R:$9J^7U`JY(DS:_61=@92/C*-3B;26Y4MGBXO%N.(:#
M:2A_W1LU1NQR!L6;-YU6:K;R54,2P]K#70?##M"?7.1*OMD.+9KSH,75S>XL
MQWF&(DKLB(YV0M3/8_6W1-JIIU,0#_8L(/N376<1T4,"'62N5LQ<[1]P6C4Q
M^21?"W21H]M2)G!*<S4CS'(+2_EEM3'WFU/.06/D>;#;YFQ&\^S0#"#]&"DP
M4BR_VN4TDLR$(H6>K(N>:$5</89`-,&0EP%+LYMB([*E21\=OO>I:6_(^R.L
M1*IJJ6]^;?9P@852L?,52]NG,:*W%!ZS5`L/I.;:3<<!_"+?+&?5&LQHU4=J
M;:=@Q._</DQ974O/=1$[,&MO?L;(^P/MB`P"S!*^1JI&W_R%;.6(LBMDXZC8
M!J&`MYBM=("9$5,"$,MTRD3X$69.GP&URFU)83(^*1QD92J?.)>U*=BT^XY>
MYE]MJD^CC'_YT](<X:K$.W!6Z=VU4UZP0(#03I`?(NT=`]QF2_\`RB8)!U#;
M349"WQ6J*I2Q7WSKB"K:+'A-E^$.<O5BK)9\U2BBVZ-F+6[B;YI<=KDM<D(6
M@#L;,(A#&^KGSHQ>*CJV?DG(B!M\S%7SWKN4-F97`V.EZW>:)<L75LK)"U4\
MP-I%&T?1LHB#7!$MIU+%S)7&E7IYKJ(O&%AY*'%*Z[U#'Y`*/Y$M,>]4,I!M
M4&CYW8W2]7R`EL=H)$"-:99J%';QS.=0CG(HR010JW'&9&GPX*12'(K;KL*0
MMV6PVJ/U\-OCT,`>]WAQ\8?IQ/UY+759YR\":O6#-AH?\1I]:SN=LPK1B!:,
M4>F"*ZPAO$"KD(?.^?\`D$3(:'%,?=)[&#;YD\]C?:&[4#(\YNV742,4_P!I
MYOIUM8GF#8Z#.H*:OZ[W39*W)2!<CRA]JE.D*XS$>C?E1F.)ZKOR]XI/?`25
M:,PH;W%K&G:4']>;9A%DGFIYB97M2%/PX=_J=%(Q;#>A]9E%)4(/+"FZ[/)9
MG(=>G/=A)'./P_\`@ZM3GP!M[U+*O_M$4JUWLM*K&3%+FZ#NM,R6`45;Z[7(
MQK7[M5@NAPZLW'FIF2QU=$YR;;)S#+Z>)^?GXD>-(=^O>`HE(Q/V-"BX0K:@
M6(WJ756!,<@).2S0%MKO8,'%"=Z)6Z$'_GR%/IF>#MPA/DC/QS6D,"R#_P`7
M(S;#T@7:9`[[OV`;+F@:GFR+J8DVV".J!.Q68=0:_H`\K[2\P8K%SLA&B6J#
M;VL]$2V)I"8V^V]Q,J`X[%:;F\4V&TZ(+]C`NTM,D*]AVA2P+SEAL"#Y":.K
MPZ1EM;DUB//N8MT_''(/'6NV9OY`D!4GK'?LXN7SKJ?H&PO"K^R=DE>NL3:;
M;F/!UK*WAS/0.<UVW#C#9BR&=E5C%#C<MI&(%&CXMA.RX3DI]YK[8++KBN)=
MZA*%B45:=B`O>[<V+9!54DXE8>%;/<IV>5%R/=:FZ/,6^F7NF9OK34R2\N+(
M"@J'9KFCL:6XRMXU$AONLQVE]CLOAM\R597[G5/2<(U'V%F4.^5&C9I7"E[3
MTL'E<EVZ@Q:!$TJ`=K*I<09%(SI("7^/)BLN.LQ"C+L?DEY"4OK!QHZ=RH2?
M['`0`$*,GL>N4*2\%T*<>KS<[J3X6?3J_HUDKJD1C(,'%<J>CP<SGMAS$YX:
MB3([]K++R&);D<789@][R30\LS#L676*D\KAXW"_*8+U*Y]M#^:FZ4'U$!%B
MQRHA8-F).OD&/`(O*7V5]LAU,=*6V^/";3KAO>%F"O@>%ZYV:"7'V*GO:?7:
M[9J'(DU=S;;711]%+C/QY<&%?3UP)Z8Q)(,1EM/1Y#4E*G'W5,]D!M\R\Q/M
M+7'O7P+["V`&X"K[AD.*NX=LPQ-(9ER?>(M).]N?9D,/(&%,^DR_DL(]R.W+
M&+CR65)6IGZJ$IK0UH#_`+!YEKLV=&:_E%KBY_*J$W_;0PZ0JX^QY_=)MZPF
MJK%/-(F3%%#>;.:?QDJ/C+XB3^;Q;;OW1TH=&MO;N?3/NSH]EJ&?VK.<QEVL
M0Q<JQ4[<4+GJA3YER.2,$/Z];00T*],.M5.(`A+@/_G.2GNRI##T5AI32VY3
M@;574N+V*]I2])PL3<\CJ!"T7?3<AOND9]$(3`@6-7A-7RR3H#UDL*B\A8^4
M\(Y)@MI&(6I4V0]]G7&V4NOH$2UHRGWOV2#UA[&8KN%:/;!E<FW1YHUR6)JP
MFP5+-AFB3+I8!9"TH%C'CT1[,IB60L=^2YU!(8MZ1'Y)>Y%A=OF9JP_L/'5.
M%:9Y[%;@VSGO+)7]!2.M%2FO!=-#MZRL12`J'Y4#EC@6-612TH,<[%C1>DH/
M76^)_-["HVG8LWO1:A;!8..PE^-?A3,V(T#MF@C0M>LUK":ZSFEFJE%ML0&3
M'VN=61*N&R/VIC284.9#ZJ,M#KSD<3;YG0N7[!)->#27QN.2)A^8-V5=?!R[
MT+Z^DEF<'7':S*MRQ`DI!J58T:;BAQN#)DR>2_M;1\<5Y:9:(@;2],*]I6]J
MT&]Y[W-;95I5!9E0REC?3(*5)^UULJQ6[U5F;`@7`'?F@[*ZMJ!U+CBRD-AV
M5\<?B/CZ#5%4VQ\&3H3A0LHN`X3&P"*Q4]HJ+7.AQY:QI1EF1&9)0%2&W.PY
M[4>6ZVEYO[7$H=6GG?HKO.@?D`2+%?F_Q8T>-_DB$@L1_`AQX?\`(%)G&^2R
M4W\=MO\`*(2N-)^1YS[G%_;SZ][].>`9#P#J1"$"?V6F#-B350);@^<F))9D
M=A3V6VG784OC*U]C2VFGT*4TO[5I2M/>\^G>>`<C,J-)7);CR&'UPW_Q9:&7
MFW5Q9/PLR?QY*4*5UA_\>0VY]BOHK['$J^GT5SO0.?P#'E2PL$.EES9*`'%0
M&>R)Q,I+CP!\)A/><4]*F2G&H\=KG>\YU2U<Y_GP#(>`=,<.'AX$(4)@0Q8L
M;%8@CAHZ*Q"@0(45I+,:'"AQD-1XL6.RCB&VVTI0A/.<YSG.>`"!"`)@3BI6
M=#&"QD.20)$B$EF%`'P(3*Y,R=.F25MQXD.)';4XZZXI*&T)ZI7><YWO@&.K
M=HK=R#Q+#4SPBR`Y[:7(98(0BDQ\A*D)7_VY41UUKJTI7S[D_7[D_7Z=YSO@
M'R:M5:K<@!#L!X0&EVHTU7*S%)D(T.38#[T.81;#!F'W$.DB2AXZ0_\`"SQ;
MG&&''.\^U"N\`^O[16OY[^J_V$'_`&?\;\S^N_RL'^=_$^SCGY7\3\_Y_P"/
M\??N^_X_M^W_`#]?IX!G?`'@#P"`U6VY=(F2JC2++0GY\`A9.S:S53%>=EPB
MT,C%G6_\H.(D*=C$8I:R,O$?O;2ZB1/0M[Z+>YU0M&3)9$>T0C"79\-LI-B3
M)\,:N4P@A+@CG8+!";&AJ7R0_$@/DXR'G$IZAI<AKBN\ZXGZB'<\`>`=>/+B
MR_F_%DQY/XTAV)(_'>;>^"4S]./1GOC4KXI#7W<^Y"OHI/U_SSP#L>`/`'@$
M3BWRDSA]J+1+=6Y`FC$C`>YE&C0]8VJE*[%:FV`?8)_)'X@F6"BOI7,0^M"H
MO.]^3[>\[S@49W6[567K/(I;1\0[;X8.)9I=9:(17#D2NSYTH;`-RAB'.S(X
MN<0@OLLOK0EMUUAQ*.]ZA7.`9,@0@"8$XJ5FQ!HL9#DD"1&?(9AP1\"$RN3,
MFS9<A;;$6)%CMJ<<<6I*$(3U7>\YSO?`.PTZT^TV^PXAYEYM#K+K2TN-.M.)
MXMMQM:>]2M"T=YWG>=[SO.^`<G@#P!X!U))"!"=@,3)L2(^4EJ'C&9,EEATC
M/3#ED50H#;JT+ERTCQ[[_6V^*7QEAQ?T^U"N\`[?@#P!X`\`>`/`'@#P!X`\
M`T1,4G]<ZFB73B?6-#3.JRF279]II3*(NK/PRL<A67.NF4<AE'AI0BW)!I^Q
MA4>7-2Y&^-^5Q8UZ_,XJYG?I96Q9BNW2]8Y>K.N3><QT,Q;K92(A&P&;*>M>
MG6BEV>OP",$.DB$=.$I,6"[&[,#P&W/CZVA#J_`J^W0X>R_0"4^7I,-.*W%F
MZYX';NT15@JYX/*R&P!B%<8L5IGV,_\`QQ2JS(&'I@$'VG)<Q7\+'[*1U#*'
M$!ZB9S1'HY>RD21)-8989NYV!@R.@Q[X!>@ZO8ZE,>"//#04.P)%W&:Q.4N(
M1:98?_,=3\4Q+O4?;P/4OL3:]A_5;2K7TAH3V0VFWY,Y)CS%G#E?>)TQ<**U
M>'XIV.X01V'_`!$0*DREN:CO(*8_9B>-_;USP1570A)FN^BQ&QA(QKOKX]:*
M=H`2N!X<@]46BHK2:\'J#-?K'82"+;SME!"<Y!N1ASR%NQ>A(;R6DN16EH%]
M5.]#M7(AZ/Z>3#Z/=;-Z^W.?`IYZ>(M1.XT\E'[20<LO7SI/DI)=<&:$KT^P
M$8793GR(@/$);*%MJD/I6"W+I4O:J9[FHJPE]+IH$+$-WP:*66L81Q?(]E@L
M08+0LBXW'D=%RWWAD**W^8EOYWX\=A"G%H:;XD37H5MF'JEB>6Q2O!E+"FC)
MZUW*X&[(?%P)Y<F3NQ;02!-J0I4?D9$!N'IYJ&EAMM#3C!"0IQ*W9#[C@;FS
MGA>I?K6/:J+,7%Z(A%%,*L%6^\0B0H89_DPIEF>MR0MUPB]!*5L<_%_*Z^F(
MX/B]9XW^.S]@;F=>%Z@>L8X=$$P,3H<.!")&2K+485\*U2;#7!-0-L2I*'>2
MIPHG5:^.'/07UN0E0QL-GXOLB1^-AN?B8?:?4?+]<S^?08@BNTA@H],1-,C*
M763))L:8)6LP?C"OYN'(9$SRA>[%)?9;7/O_`")K_'4O,2)##PJDT6H7Q/+K
M'4J;2+-3Q5EKE!B1H56@G&NS?XYF-5"%'5SCG5(4]R;4RTJ!)0OZMR8TEQMQ
M*DJ[SP2K.9C%\KBW*#H4.C`H%U'RCTUFQCXZQY%^39GGY)MPDY#<808Y,ERG
MGN)EI?2R^\XZUQ#CBU*"KZ&$N?KKB&AG#5EN6:UDX?L0<6".&'XSL<@2@`B,
M<J"7)DPGXSBB8*=%;5!G<[R=#2G[&74([U/0JT<17UMP<R#<K4W*J<@"ZRY&
M6,'"T!HW(C\"I"I,)O@=4%;4&6*H8:*\PCJ6GHHUAE:5-HXGP*LZ\_UBP`E)
MDRYF45!QZ4)F`_HW`5&CPAY"Q(MTW@>)&=9B`YDFRLMS5RH2&)77VF^_)_VT
M<2%69,=Z]XF)251`S2K,,FG[*_/C=@?-#_\`QQ?%2K3'A0WUNQ1<`[+!Q'I,
M:*AF.X\PESJ/O^JNA5F9>QS+I%'L>:R*-7Y-!MI"P%;#4I,),@&0)6DW)LIR
M;^$\I;<61,L,MR<E3'Q]8E]XZU]B^)5P*OKW([7_`%PPJK&UV4#EU2@6!S^N
MJ49X/_))?/5>CEA9B9<MR0\V1:>#PW7Y*>\D37HC#LE;KC+:DA5]"457)<UI
M-9-TNKTP&*I]C?*/&:LB+^379B#49,(F/_AIJI(Z.%DPD_#^`TVW"0S]4(:2
MCO>>!5]2NE>I?K<YT*J5CU.(+KP2?7!#A6&^7<C!"3%DB21ZW"<F6Y,:;@7$
MM&8Z_P!<7%B$Y3#/6V7W4*#<R;E<2R(XX^Z8SFHDG)4RQ$)*Y@6&^IZ;;9P8
MG9Y3G5M]^YXZ0KT%Z4KO^77(C75?7J.>!5E.Z9Z=99I=RS^SRAXH#!I5H"V\
M@*#5:O-D+.8K$JES:VB7:7HCAD>-AO9Z&;?CL][Q^/`:0CK*T<<\%4FBX8>(
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M>XMQU:U!5G6,>MN"V`Z]9C>2T<F<DC[2+E$)@.*\Y,AW6399=G3-:4G\>:^5
M>NAG[GG4+>;27FI;6A,I_C@58/>M^%V<F6,6#,*L5(G!UB%DY$N(XOC[%LEO
M3K');8X\F/$+EY4A:GI[*&YW>+4GCW$][SP*LZ\OUC]?IY04:FY%2)9,()+@
MQDF0&9>_'&'D6QLM'4RYU4>0J8S?3K?774+=2V9G(2KB9;_'`JR4T7',SS,@
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M'0F5.++UA#(1[D`=R9#3^6.ZEF6_+&JQ7@14WG/M/;]'V+(1CVQ6*)4B?(@^
M1:];B&LS7B)Z=O[]=K!T6?MSQ2SZ+8(#M2?9*S(TT@PU$;X]/C+8ELR`3BE4
M^96!>]#D,=<B!_7CVI06=+K\GX+NH+7PD@^6QDC;2-3AL^R"N'ZSI%0I]AC`
M%_/5^@#,F(F)!`\7V9'"L3::PXG[$62L^NHM6A;2]RJ5,!%OY,?H3^5V,M+)
M[KA3QY-TAUG1+&^8,B,(B6Z&EU1HRXE:G7DRG2CL61P9JM2H*11?8[1J-[>X
M;>K=:KCVO>M\K/:['<T)+Q4EK6T9FB:=J)^UC247\0]07:V-7$DKF<ZB%;G%
M+7Q+B^]%JM&O$RYC&O;$%(N)T-.UXLL'H56[F-#$ZSV+5KG58^D;,1)CK_/A
M:933H4:3K,VJJFG_`,F>:9[$CH<A$HO\J/E@FCF+^N6UQ<=P6/3A&GQ=&PZR
M^QY5G\_8I3QJ5.L`'1Q]6G,F25\F0;(,M,DA#;$LDGOC@L3$\?9@HX^EN"JK
MKT)=E62[D9W*P:UIM>LE%!6,?LL2.3,6ZHOVZHUL_:K9V@QG'JU83D<;.#TN
M5`ZUR.^^V/\`L2UUSJFN]\HJJ41K-GX_W]OHX!L*+'=K6+L>;%I]5K-=M3<2
ME'Y`N'I>=28Q,M'V+.70[.DUJ#5;F")1A!&6HJ\IJ,4!H<ERG1?3T-D\=HGM
MU6<QWTW<V-!M=\E4EZL8K3[=JK\3Y!#%AT"0/=4V#U&Q<`WMVND17'9\FS/%
MG'([,=9M*T.R^"/;54.E@V<^W+<^Y5^_$]0B0+=BNH5@/;[_`'".^SEQU6@6
M2/CZZR*!;/ICEG.F:&6C334HNU+.!9(QN/\`SY%N3\+`-K^4CW^BM:(5G%9&
M<8O:\!NF!Y%;ZBV/KUZI%8`631EG_7!T:\P1I=MF]T#.S`JFG^]Y88T=,I+?
M.SH''EMM^!5:U=:F!HN4^\%FO(Z5>DZ32Z-+T**5-CH>MM()!@LTS@I2Y@*]
M9?\`:^@7E^C/3ZM8F8WQD!W9D+KBV1@U$IF.F!N--.I\1,5]TJ4`BRHQ/9;]
M+*@ZV"NPL[[`&B\R-`)9K@#MW/5:*QJ5'<Y:P^HQ+G*AM#S8%;Z?NB,S8PUZ
M.UT*Q+!P"O>UF5GLTNFY.;!;G[.U&SV\U_\`NL6]#!,LQ5O6^LTPZJJ#;*2K
M@2."MD.Y$CAF)UV1\79CLB3)0[#2H'1]"0;3G7LB-QS6`>05<\JY7GV#TFUB
MR-/N[=;LP>NF*R7E4NT#W(6F9?$G(F7F&+BS(L\OQF+#D.RI$">W'[$=I$U7
M4QN68U[6@]!IMZMUNU2>^_>(1*ZA2^Q.&:2V!,WOV>3:&8U'2=76VX,.ASL]
M1"BQHO$0_@;7&;1+1/<4+6-*&O5;>]F+OL&J!J?9-*O!K+HUM.W<(/\`8J.S
MF5HT:1-]KXV<UL0]4KTN9GP1_P".H1YU>6H#)C+A1E2XC26Y$R0*Z)?CR.B[
MA/N[R)_+QIV]ACM@C009H]&T11RQ0<VKV@^STJH#8E3?]IQ[;-R#<O\`12RO
MFMDMZ4+@2HD\A/\`LE#9H5CY$WLF#>V=<I^@Y)4@NBVVO:E,T8G*+S=.K,@!
M!=L5Y]M2]L6>BVF\O%AB=/@Z!27FQHQJ5"0KCG'>Q^PW?N$K'J6=[%XA[`.[
M3HVE9-#U.0-N]*SZN]:S[8$4Z:Y<:M3-J@T<PJ`7N006.IE+O=F$RS<9I'VD
M4R$NNQ2++,N.L$U2C.'2?7O>K9ZWY\"LZ]%N^MP]7W*QW)`K5Y,3CL>_Y[["
M4"FK:Y*MX6O/YT,EW.N+2"5UR-!&<<ZJ&XZB0AP$U7R/K/\`&O;.J>P=*A3[
MOJ+6!5$Q]:IR1:N:$J2':$SGK2&TX@=UT(1F"K+)(L-"),P+;)8MR`IN&@4U
M]CCP-Q:\RDM"K?N,,NH\1.[[$2&[M<M,#=B5+<`8AFX:%RL^Q]ES>WT%?+X.
M12,>JM?75?Y(0\L0V_+B,<<&SEQ)W9@M8^1A:M7/=F[@95A'R_8.P!>%M>K=
MXX'VH%7"-RUX%>=ZJ^?7G)NSKR)52<:IY1`-!0.O^(:FQFH:G1I%$*=R5!Z5
M]2QH61>XF<VPQI'!^T:3?++5I42V="[*%?KQ><T0]T1`,-6ZS<="`5&JBPQ/
M2\Z+P4,0HB(8V&^O[U2XTB.\)6-*?CL8R^^N'N3:<V+@9Q?3[`0N]6V-=V&S
M-L1Q4<X^.]D!6;C:A+Y:H:::U,#V&J1E_P`.]!9=^K?9J^J:D+3=0FJFXGIO
M,T8M)W*1<;'8S=4I^ERLHRY%CLKEJ(OU:J+GVV64/&%32?)]W"&-&=I9E]4N
M6ZY)I:?O><5SJ^B2IH;M^#(\`>`/`'@#P!X`\`>`>3=C]`=%0?H`VNZ+59M<
MB4>VXD4/D\S@N2*QB4BC:H!$1I(IV]LNVC5B4O6)K;MA95'@_2.WUX2IMZ6E
MX;W+N3NI?KNA4:&?;JFJD`1[\32Q-&O[(RV%[[70U[AWK@5DH6L>F&!ZR%))
MZ(3=8>K\2LHE(D/*4VW)>[)0#G4X.?KSE2:K,J)/78CPXW'L\@_UFAE93RSM
M@L?LJ;9=&R[-I%E*K"Q(OLP0CO-$Y12?,4+CO.3>*>?3T-WX_'T.*W^JN@A=
M^KY_/4*-5*_[/0M5U0H9KM-0"J0C,;U9;T""UDH_H$6W"3CLJQR8[GXM<*1R
M*76.]?'?%(6Z":IKU)-I?H_:;M8-5,UK80=#@:/-MBF*K&S4O8:L'YHF>7G/
M-#MC@DKJ2&U:7:H%QCOR)PY0H,_(#LO21+\F3*D.`I'.KTCLC8Q56A:X':J#
M5>]@,RB19&;27K*C(/9,_`M5\&/V)B_Q&%::&.C&?XFR-0F6.Q?O20&SGU_D
MI$W?F1!C]>DJ&+@PH%[I$&2]6R8N]R8]1V9?-5,MSNSJ26O,HC[*D;"OF?%&
M8QH*_!(Q#86P1>/C"4*&[)@OB[C?O,ZU:Z?20%8N=Y>T@X#'Q!;MTFAFP98^
MQ`BL1&")Z,P1(Q9)^6EGKLR2S\#3[ZU*0PUSO$<&7UT)YX(/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/,BS>ZNG4,]J0\]7,F,
M0Z3IFS*&MLVTW6RTO*<BC8@E=:BQ9@HJ@UMUID;*V\-BH[''OMPU(^[G7$+X
M-[46=[)>WIKU]N!P%+H\`D*3E\*ST:8X2(NSKQ=IERAUDP#^$0,(,UH+GPHE
M$+DW)W4R2$"2XH>V]V%*X@11J5I-][[_`%8&9MU^QD16ZY3QF<C+?%[<)SMH
MB7_40MW12H$<9_750(]>M-Z#5\-`6]*[/4Y9VNO,,N15M/"[5V9:63^V-SO+
MWL-/LF.D`=7Q*-=DP28@HLI*LI_,;'>*A=*LW%EPAZW"4HE2.SAKL9+L=R"1
M9;=4E]M?%B.-*>96-<]_IJH<AJX5;.HI.*.?G(*5C2U$Z:9DD&_5HI6@=?-D
MJ^-<)&%"?9=+$MM+?W=EB$J:2IN:GC`NW\?F6K8/9R_`/6J1OLVBU)GX[F58
MGQ6+,8*B*AE@>Y%`930COX]?C6(_.!UH.Z4G"0\*3)1SJFX_9/&5+6)15H4N
MU[C:'1A&E(L,&DGW)ETU*1AI5\Y89<JQC!WL7H-`&5.TCQ=69:$/QJ^$2L8\
MR^[%1"B][.D-+2I:A=J9\D_?W0EP:H4JF'CK*W?[+4AE,#CKC-F%"$"3Z\4#
MV`M<0C-16XX498)$?0HXD+SKRX3O(<@A+>893\/`VHPU+]RM<!PB-*/C,X,6
M<KH5X;H-ZN]](5JJLTUO3?;&/#:TJ=%J3O`)6""]=5#QS4)$IIY\A&0X[]8[
MJWH'%?C[$2/^YFF%!+358E#:SR_Z5EEP9G7,_&"V&I9[:K+Z@AI&:4H<T#E1
M;5;77MFE\D-R%L=^UY#2%<7+94Q1M\2UL[]X=BTH*'-`/7\2RFSQ-+M-3@GK
MZY7)5EJU+SD?<!((<\3K_(<6Z2+*58"$G9ZX0>$KJY3<A]"%->!M7B3?2/=9
MBC>K%.WP:Q5+%8K*U8OMK+O]R`C2)3/`=TL.E5Z"\2`?R0`E7(N?%67G2[<6
M+%7$=4I;W4M,R!%&KH1\M[J7Z%8C%>_U_G<5H_<I].S(N4OIEH9';";5`QPP
M=U1SM2;:`PI<@HU)A,CUS>K?^R(XXE3Z'$A1&(D>WU\SGUA]7M"D0:+>;'HN
M*E=)N!2TW[M>BE6:'ED?1K#!I<\969L:SV.U-(=8%_\`9AQ^I[R2M/V(4UT7
M:G)KL8@U[FW6V&5"AHT93!\.]$9@M0&RMDK=VJTV]Z9EIVLZ8()U[L*FV2PF
MZ9PC`::[-3QA+S+GW+AN*?@VG=9][;.#SZ?H<ZG5DU4*\7H^9.PE7=U_4Y&A
M7+-!9:GD;.(@5(>#&!-'U&U5ZO"W&4(Z^V:9(\;0VZB(BC;K3N=.H>V^S`$&
MJ3:!.9$+0:U[0*_0+C:KZ4#U,4$:W/V6K*8VD$(]1YT2P`%XOP:(_"3*[,<E
M1&7EH=XMQP-J(&?]U-(-`GU59X355:/8\\O0Z?=K/'%3J)1#=<]*6IV?4IMD
M!)C6RVS#6^R9#:9'P(>;5U/.I[+9ZQ!M_'YEH43WGUK0VQ$@!@(QIFT&]$D5
M!JPWI=8>L%6HM$L-J4&8=)@NQ(=[Z;#1Q<Y<M<4+"[/^?DIW\9YKM#BEW+!M
M?N.:K?K;G6X"*6&O!R\G"^;JJ\`F?J\>-M#C5RJE-SWKA^O.E8CIO<Z]"ILM
MUZ/_`.+,(?.UR2VA*7!-NM"FJS[KWF[Z,*O58&@WL+N-1S4)#&O6EY-BADKC
MK>K9?!N];C-U:4-D37+56ELSV)LA#:8`UI3'%NNK1P6B2H^I^4#W1TOEJSFH
M#Z,8T^5JYND6)]V87A,R:909N.^GK]CC09PX`*"E#(TYNLNP2%/H'QWF(K[3
M*&URXK;(.*_'W+3V3W8G8]MDS&V\PA%)TB8%;A%O[+T9R;+U$**!8(Y*AI!R
M._74=MAG*GU7'%=B?PZ9"?F4[UAL11JJF!J_NG?K^<&5()2<^A2[D9$R`Q=O
M0"DM51H1@%[(%)2+A"9J3BHNL!>>NLG[A"5)A_(3XA<E/X+JGQ=M-2N,>]VM
M%MV.^O=LBA812Z7S/A]>[7;A;6`[K=RDZWZE8MT[L8\52B9BLW!9+9Y9Y(\<
M\N.@4^RGZ2%3F7X8..K7X[ERYC[G6K0-,RJF2J90`XRZ$!=/L;?^P)[MTB7"
M9C6CZ[*.4ZMO5F.U8\ZC\S_HM,MY^)+5(>>6IM/XJVW!'&B(M:?=33*`;O@\
M_6LG-QZMI6R]B-0;8=`%Y&5Y05Q@(U6X4":()I-;=9']B9D0H:%QQ[S43X^*
MYV0VM`NU,G6[>XERRK6KMGE6QY=T$9WB)+6+38IA]ZOQX[S]-U^SUMM,E0F?
M#:KZB>2\%SGN=>F<>,H=9CN(A2$N"*-57S*V'>U6R-[6.:L`BCL56N=1G&KU
MP=:S+HZ!89GL>+QT7>*"])J#4XHXF/98\B;'(]A)0Q%<99^1QQ#O!=JI^/`Q
MM?\`V$V^TPG)U<SZ@E!P@I;#A@N_<;,%BE<O`U+!;X+*U@;-IKI=JS6&O;Q%
MXRP5;'M)Y#X^YQM,E++0;:$D)^\FBM2Z`W7,FK5R7IFBZ4(`5^NV^?)L@.EY
M+<@5(M$*Y_D!(PH#J4R0:5/;&NNI@PF(4EA^2IQKCB@VHD^^[+O@3:Y.;YW(
MS:,,AR/58C6&3!,Z,,ER&IZ'LE;N(^XOQQ)AKE/Z)SUGK/(#'Y?Y'.(ZYSCW
M5,B)*E69/UL]PK-[!:2]6H6/R*Y0X^>52RS+=PSV6H9;+/FV1ZDT)?:>&C8Q
M`.5&ZTJ+#D1>K>Z\&>>?;;;ELI;!QHO,WU\&1X`\`>`/`'@#P!X`\`>`/`(!
MJM\;RW-+WI+X:=8(E"JARWSPXQV.R0G#*]`?*DVX2Y2DL=DH'Q7%H2KO/O4G
M[>?Y[SP5*KH:=&/V"TD60LT!N@VR6BK[C,R:5+CN-$>$:N,+9I6YNK@AM>BG
MCANO3+=I+0<;"C17)Y`E$<;;3Q*DK\%VEA+]TLH;/QVU3F7Z1*`2S<>V#D60
MB:5(6C(F:[7.YXQ5.6YVVV@OK3$**)CM2"7)$?XU,<?<4RT&U_<L1WVE]?V.
M4Y3^G`F&]`B5"?3G7F2K3)Z%?*S>[A4I41]8Y+2&#%>S(Z^E3BD<:4-<9=^Q
MY3;:Q*,^JI[.XG>HERF4RVS;.W0Q4(Y8&`E-O)`@Z)GRRPR//K8MBM*)71A)
MD!/'O=#-3^QR4*1#=^R2RXTD&FNI$9'NUZQ1AZRKFF?<-98KLB1.9IN@2(L1
MFS5B;=8BIKS%5<1"4)IXV04,I=ZA=?@,J?)\B-\^[P7:RP[U[!Y+FQR77+=9
M9L,N.K4&VE&!E3N-E8$A3!.4#KBBT^LU\P/&%+B=@O0`0]]UL@=G-*CCV)+R
M>H\$2;*_@^YF"&K!4*Y6#EMMTRY&8(*),J^9:.8#AB1/-SVJP8EF+,5;D('.
M74*\\X]#=7^="?4AJ4PRKJOL%VLQTGW8P6`M4Z?:9$:NJA<2R\FHZ1(NK=AB
M3M'9/U\KF+%$7<@:J^.R\K,D/26$=0Q$><<;;90AUT-K)50?:#,+L2,`Y!P:
M#/#[U8J?`&/2Y$Q)>"*[H<X-9XY!`]@>V(L59RXT22Y\BF(S<)QMQW[^)XL1
MIHQE=]R_7>W/\A5BX6`Z35#.$D!1F7:S+/."Z]6J?<9Q9L$U1U%UB)%:T$'+
M@R^,_CDD%HJ8BWUO(3T-K,(GWH];4],OR[<?'!@\2GS>66=GM_9`EHURK]EM
M++@B6BMN/R4U8!3R<NQ=6TURNL07UD>QT,NJ0+M9B@/N?2R6>ZO=B,)(HI0K
M#I`ROTN8U;11JS#J?9-2J-3F2WK%3`C0U_0S.,GE1E1T3H49ECG%2''.*3X&
MW\B=GO;#)*A8)E5N#UP"&Q]-SNY.)B9Y?;,/)M:6NY)!@JM,J];+NVRQQ6*"
M4E3(4%IU^-`BNREIXRQ)4P)1DB,^RN)@E?\`F79$AG_7=>U7LT*!L]D&\HMR
M)/!J.6Z3KP4I`_+OI>,[%`#^.?R)R2RXU!8D+0I/`HS`#O;KU_.?R+=>O+EA
MF#J":T=8\36+:]+E`JZ%AV$V*@_,#CQY-Z$B"45^76^.</Q&Y+2GX;?%I[X&
MUD`I/O?A=K19'RDVRTYL7%JY@!%L%'T!DS:P5NHN.7`2V+%)J/'95Y7-VL2.
M[6(2YQOKK[#B&%-R6_!=K+0)>T^!BHF<SYFA1/X_5AP(Q2R,4)9R`Z0(LQT%
M5@!6P3X`23$I`TK9[-!&M/G%CFNSW_Q_KQU#B$"49&A7NMZS&YE=@C=*^:3:
M)O(0Q+M/OL-J.EV93((\H?DS:O'C52NG9&C5_P#C"A1<,<40:A.1'GFY#:E!
MM9VP?N+Z]6CB$UBXF[++<%6$\@57\UU$R<4$K42ID9YCH(=3))A`R:-O@62-
M?4QQHQ&*Q7H*I#;J5=%VLX1?M51#02QW$<^,50@MRSVOC[A-+3(,$X`ON?4[
M06[)&A+`N$(DD=`M:F?X]]M#SCL57%K94KJ$!M?W,6-]Y?60O!DD!][.OMQW
MP\-J(K*]=CERA$^2K0D2)``I5$9-6,S)F74+WL.!'D26F3$%YQ"&9<=QP-K,
MGSW0]:5L\E1]*Y.A?(*2HB-J%\)BVHY6H`+[TI(*#ZO)'Q@(.GVH9/,D7'$P
M`+1&-PD]%6^TE0FUF5E>V_KM#F5J`]I@U4FVMUV0'3&$668TB':YL,8$(FY,
M0*_&K`I\J3APWI1-<2/$F3XC$A;3LJ.AP-K(R#]Y/6"Q1IDH3HI!YJ&,B%4<
MDYQJ0QXJP2;ISX:'6XY.E0W[4<L$30@<@8-&)ED248M%>BL.M/(7T-K,>=]\
M?6@,#,'H5NL5MCA1-?,OQ:;G.A'Y4R+8DT*1%BB%,5IN"6.CAFFA9I`6P^LF
M.AR_DD1V_C<XD7:R9VKVGR6@70K3+[86*],BS!44=V,-MM@DK:FA@!<B2L\4
M+594>CA@J+/!_(G$)"8+34A#CSS/_)*1*-]"%SO<*I5[4]4I5R'KK-6S4\$J
M"+$^.T&;8K19RP/+";<:L5.%G;S5IBRRVR!14?@>>1D]F+^JVDH?8^HNW2J)
MD2]N_7T1`&%"5V(0QINGQKP#GNT+1OQ#@.25%`^1@KR*DI):TQBYN+'D@H_R
M'(KKOVO1$=2O[1*,Z_/;+)"LL/`J16?8'R1#/H<V8_5=`$`:^O0[L,I(@)8C
MSE*EP*_H3\\@KX*V1[#**<;XF2F(VOC_``-K._G_`+(5'4=&:I%,C$),./6[
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M^R^C7U04*5$D<9$:?5D,&^S>%2=2HH/&@P"T6S;M`D5>Z6P55;-77>"ZM0K+
M;8%O+'HM`E]MXHD-`KBUZ?)DL!2:/R%1"*DQ74=%VNFIF1>F^F$WLFL#>94E
MG.++8C$45V@,P1H>Q"8-]-66W5!$FLQQQ%#+6>6/YS8CK\=R6+F,?D*D-K;\
M"DC,6;;_`%9)9N5-V>96[!F==T=F@OLS,Z/64*[I@\MSC(:OU]NJ$7+&;'G^
M*3QT9&E<9G-N)^]+S3G$B).NG4Z'-X]2="JX:=)FU>T4N\V5NJQ9IG-+!,JT
ML_.DUVXB8]BDEZA_$@V+/,M@DH'E%%1HIIXE$D079"I#*UBTD<$'>?4*_P!2
MJTYF35K#1S=YJ8FOODLML2ZW!ND@54G\_)$N%J8V/J220:S@^@#!#D.',8FP
M^0I#B7&N="DON8_OL=Z77L>D/+.46PBK'8@M9?%&\[,/#YTTC,"VFNE#$$S4
M4QV:=.)7L;/A'Y:4`G9)R(\U+ZY.84Z%)(Z4+VD])M">07;/U&QRJLE%Y$SB
MF76AR:U/E1:@@<3IKI>DMRC-L/C;2"6,8$?D%2L.=#<B-OLN-*Z&V1CB?M+Z
M35H+<I@YROF(DD=VWVX92\AL)N19.:%#I"3+LJ(*IRF;/9R8.]AGS0_[GRS0
M^0E<UA+;:_L"C9=>F'?77/:G1ZMIPNC"J61)C1U)J96D-DP(^0,8XY%G,5F*
M!GQ*N%K$5[BY))^/$'AVE\5(?82KG>B*KZ%1S/:WTCLL&UC"]HIA0.*#G9=I
M9/9K9%@9`>'*?.%4K=+TQ(D\R3E!)$Z.RPJ0HIT;)D1DO_AOK:%VR(G8MO\`
M3^RV:I$KM&!MU3(X@DCFD\C6"LH3".'W-&"6B++SCM4<+4F9D#6.RW"<PC$A
MHKG$K7)5#XVKJA:27U+8[NWJ(*,,OM6'.V#6E$:^3FSQU5<?E')DXA,IP.Q7
M$F/`N_@Q8A1/1:BAAQB/!>DL1W7FE2XZ'1FDB+1+CZ@[M;*F$JI464MTJQ5R
MP-Q:E2S(LQ81N)2:Y>:?_="":@U.;R<04-`BP67,?BA";KL#L&1(;?2V\+ZD
M2'1]V]2@*+?4=.=KR4#BL0%:*M8LILY3A5Z9RZWMF7&!.4J;_;ZZARC'RKI2
M$U-%L/#)CSKZ'&G%<!*78XAVR>O^H[3-RH96*Q>)5!JAC595P=JG\D(#':T=
M$T)]-6GSZTN!83,)*5Q'IX69*5"<'J@N_8ZCC:0HTJG5B>P'II%>CLH)4@+(
MTD_8$%VB.:F:Z\_9B<^333RM/;*5`>NH&+',@O0.KLW(#I5##B&^O-MK^@4D
M?0GVD]0HX>K5,`?",BFX[4ZK4P7F=LAM!/Z\2^\"CE833HZ:A-DF8;/\`U*8
MA.DI3L3^.X\N1&^0*2)WBVI81M@AB9EXQF1%A5VC'I<&=FYJK]KD>UAHFAU0
M(3Z8KH\<.L\87:&"K@I+RIT!!)J2XTVB6TXZ(TUU,,[I6"*H5:TZ[5$37Z\)
MT>P!:_.*4+MB34K11;(;S9JUKEUX&;8I<&/&J'T09D+AQH$#C2'GV4IXG@:]
M$?M8]CO6'3]%Y1J_9`=DT!1/^)9:ETBR,]D$J.2N!&`Q$LIFL1@LSHHQ3;"^
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MFOEXRN=9DO\`.^!227D0&N^XWKB>T^52W1SE9;=;.O,W*X4.Q5:%,M5.UF^4
M<_!)2#53AQ0<6+;<X<F#RQ"7'BDY+C:8W52FU(2%'2I856T_U6:I8.P4Z+4X
M=8N5\E9Z&%@\P+#RY>_'XW\P2!+HD2HL6E!$D&#<+2UOCT(4(C)(O+_"0F1P
M&I5U(Q:MK])@/1YFRS,P6[;#`;2HT]&>.G91(RP/MK@O29[@RJD9+,@&&H9A
MYP[*^S@R".>=>D,L)^[P*2.\0]J_4)9(S:9URK$X[49SU2DF44:RE;#]!!FY
M?R#5:D1ZI*,66LUXWG)YV=.$_EBQKH68[(>:_&=6@2CZ&7H^U>M5CV2%3<[@
MP2FBRZQ=0#=PK68&VPC5?R(M5!MAJ'=08K+%><'A"=LA)CPVB#D/Y>*2W]'.
M(2H5J5->AM-X,CP!X`\`>`/`'@#P!X`\`PY*P!`\ZOC"A.'`GVLK(!UN))=2
MV^:+Q09BS2!P]'?\ORV0%?FRU(Y_GC$5Q7_1/?`/LV-%G!9&O&&V9(ZP#B`B
M;!>4GZ3H$^([%GQOL5_EQ+D1Y7%<YSO_`![_`)\`U%HOHKCF?2Z9/#%]"E3:
M3E^.Y6/DE[%!FNDAF,:O!V039CBDA&.D+K;;@-C_`,]/_P"')T5E#:&V.IXO
MP:<FS$V']?N)V,:1@32%P=7+EQRL-^>[5#L8:;@',ZL0PI_!V&IE:Z93"*9B
M.[V(1B3(,AIR0V\RXESGV!N9F=+]&,9U6%5HMADVH0Y4LH;R,4]2'JU2X[(>
M/8ZI98!R(%!UB/7PUB$/5J3#A*@1(L.(..DX[<?B)"/B!2:/N'Z192*KFPU8
M%,(`1>P6>-;)JQ=7RZ.3!SF="F:D^)Z7[GZB5[J,^XSW^O![6Z?'J&O.#^-<
MAN+:4&YD6:_7CB,>I5.J-D+'.13;<.N(B=90N76]A4V/06LU*P)53LN<DJ"H
M6>K#?T<;:$LJARDH<A*C)0EOP-[+*UWU4H^U%+:2*6NU!QE]K-/JUXK81JE$
MZW8YF56LA;LV/S8-KJ-FZR<HEJFO.?$VM`\DVE,8E%EL-I;X(I4,1,],L]D4
MSE+A6BYUF*Z9<-3IU+:I%-<<=G8;/]?CD40*KE-'5VI1"]*)O2.?Q$.$Y$*J
MY(C+:YSX^B[C`TOT+R.ELJY%/729*?8L[4MYM%&K<%:K:&U@&4[!KE+I%:K`
M2.S#V,I^,Q"AL,M*9C=ZE?4.]>!R;,/6O53/`._CWHD^&3&T[`M!KRJR5LTJ
M1:#*]NOSDITV<$00@X>/#5N#7C0T//;??E+38";/QM<;XM\-SI]RL,3]*H=F
MI^@$M"THN9F6AV7G];DU2XUV\Q:S3:*G#*HFMEBT_(Z-7[G*'VCUL8CD(DVO
M*A3(DB;#(HG]D/N=%<O`L:1^O+'?XBIB'[/9Y8^FNUAX)%L==QRSADE1$6_@
M9<Q^KV/+R%0<[9P.E2X#L1`]$.)^-#<@,Q7FE+=$W,S,GU$R#4FHEIKNE:!R
MG6#ECD$AE6+5)==MZB-PVRS0ERIDVGD#$:-53N[65$5J#*BMN)[%3)X_V*CJ
M@W-:,L'1_6NNV0]"T!G3K_G1BIU>J#AARN/4E38!6?P-+&0;.GEKI]AB*GNU
M'7+&-FID)=@N1IJ7N,-R8S#Z`3?0JS0?4#U[U,?C`(C=2,6MALG&YOD`45(H
M4E1X)7!PRQ`2JC)FIF#V@Q`T2OP2O`Y&3/K4B1!9F2!SKB/OZ"DU4G6?>EV3
MYS:[%;`K;7Y=NH[=.L46/1<DKZ'7U5<#3"!\$2JN>`K!3E%J]7(K<@2)F0Z^
MIY'9'("7UK<4(Y-D"L?I%A9@!5<\MUYM)8TAR+RLRSDJA2R9$_4:ABH\:175
MY=.<J9V0""8""ENPGQCT"1SLOLF.XS(^Q`NY]C#:#ZQ,:BC'(^16`-%H-7<K
M&::L5$EZY51EEI>)[.!LYBC*SFK9.X#[-[;*45'*Z#)U%(QZ7(;4B0Q](Z0W
M4Z]3/"/1OU]S2E00)4]/'U8?&JU03*D,YO0XL\;'TW+;)40YY^G4NI0SQR<>
MSP,(Z2E<<+DF9"VEOK?<9<;#<V_,ZU1]%,+;S5RD4^WE7`D"/+I,8S6A601$
MMIIM_H1/H6TCJ]G42I7TF`/8[##E_P"P02,@E&1+AD_GZKZ-!N=2Q:_Z8957
M,K7D,,M=7JT[/II)R9()`VRZI5'I@.C"NI7`KL$5'9D"0#+C[3,1MKYU+ZTE
MIO[6TAN=:E-R?7W*-2XTQZ\[XWVX9AK8:;;3=:N-,MQ:D2AYK)4645(%_P!>
ML0R+87&\!A168I2(J.M:I[;G/JKG6)]"U:ZK0L)7H?E<6I0J;7K;I=8&-CK'
M6S,@68KT@C9J1>*+G=!T&FEGRU7(M,#[L-S`7*E2X3<0I&()==ARHR7.M\I-
MSK4P`STG]="&@SC($S,(VZAZS<;O8QA<?G=Y8!S-9[GMYFT1`RY48\U4P4:/
M4`DL(Z-Y$,"F/N_'FIX^Y]0W.FO0ZEU]-O7*>JF938;-;^'CT-B=1ALM82PR
M'G\EHV'U9NR2!A2GF*Y.BUR'D-;?E)+1W!<J?-6R\TZF8U&X"D^IU.8GZHV$
M1:\]![8'C&ZF99`62-2[+E(J?1+N<%Y5D0IMVC5^N,UBJSG+'F(AN*,Z+9@*
M,/2(_P".I+GXZ`JR];IZI9W?+%>[.=*V_A31:S*JUA[!)C8L;D":*I8B0_`8
MZ'=Y&EJCT6&KG5=<1Q:W>_;]%)X@3<=^R^M6>7"\N7R>3LR3C-_`W]V/!*0$
M06;``7A4Z#%<CJ&//MP'4X("4XUUSY%(D2N\7SCS76E"[G2A4$?]?F0Q[I$N
M?+/H3K\#^-=A#WY%+>_'E#BU5+I^RQ.4E5T0&<DTZ(K@A!-`AI]V7);C)ERG
M7^AN=*$O5Z89MUVQ,MVW3XM>N!P3:K9485C$Q09ZX`+UV]!+:N2U7.68,>'/
M(9'<<&$8+3PV,QQYMR0RW)2)N/S`O6W%_7VX2`5)M!TM=X=3?G3!9R55(\IF
MJVAJB5.,34!IU4J06.P]_I*$PW(;BH6_)9E.OJ=??<<Z*VV;>^#)I^$]+LP`
M7VYWP?,(,3;AI*]3<;8"4F*4'V(C..&+$/[<8U7:N1JKG#QYV=_'D)TIJ&_Q
M/(_6VTI0D:W,A`_TMR&OV^B`5Z=>U=!HJ]\HF>S"=21SEAR-K$*T=T"*ZU6&
M3Y'LX70Z]!)L*D*@1EEY3C#3+LME3`;F6;4O50#5-4K^HMWJVD)%5F:Q)!A7
M!]-&H[$UVUV*X&JX>L0:LC[9:*@&,VF2^.&3IKT5B4W'E*2N4QQU0F[2AU\L
M]1:?EUAJME9NEZM,^A0@=:I*;`[6FX]?SVH5&Z4RDT+[`=<$*)C:R+OY)Q,V
M2ITI+D.(5)DNI;2GP5RJ5F6_7]29S!-B!KFL`)2XINOTZ8-7G[LF@9W9(FHP
M;'1:\T4HQ",0@3&ME+<;GDVYY*-\(_[7_P#Q5?.&YE_#_7.F#:-7:#'+6?HB
MM:6:U*!)<FP.D5G3MFLUJEP9#R1B6%"&R%JD(;;2VEWC24<ZYU7%*4)N=:E$
M'_U[Y8>,58H]==#9CUF91IO!3BJ64ARY.>`,;K]?FQ%FJ>1D5DP_%Q`6F<0%
M*ASYD:5,BJ>3&=;;:%W,CEG]',!))I=@(Z?:D5VNV;-*\F+**T0P`-V"C.XQ
MF%7#(?)U0C_7[>1L&,BA,J<*7#,*7/(P&WF4R>-L@I-$2RK]?CRS<"Y;&9;F
MF*98`8G.09'F?ZRP-R:L53-ZY!JALC8,AJPI11XCFD*;%*01D8U#^S[^SG'7
MW4-B[O`N&Q^@>166FB*9//W=R'7XE60&DRY%:**8)4JCY/2*T6G#R=:EAS#D
M-G&Q,QZ-*CN0Y<ER2EUI3#O&4";FC+R/2/.'*PBO0+%8ZZZPV2?@3*L+HU>'
M"31'/\WH/2@>IC:DS5!S$5O,(!!N"W$Y"_,>D<6VIESC2`W,[&F^N%?T0%E=
MA]@;X%,VG)[C8B<>V$:=0$5(J*O]E1#9I)*IW0/8J\VPZ-Z)%QIC?&RG9<-I
MYM_CC[J'`3\"':!Z,@I^:F*OGUSM0JT='5F'7#)HF+>8%R:U7KC4(1)S[:S-
M2[+C!;[.?1Q;#K2YK$?[T=9XZVX&[Q.HOTAR^RJMC(O7M$;NKDNS5G5[.&E4
M7IHL]IL:VVS2@948Y3I`2NR;N&V)$EO\2*P\-8:'.1%-\2YV0+N9@JG^O:BR
M#LRZWA@>T;5MVI7X=6.0:OH55BY]>"M(['H7$WFFR%C$.(S0:5:DC6XDX*0G
M3&HDI:%]><$W>'@27(?2W'Z7+SE6?WF2Y%P2_FW8_P#7*SE0"PRRD2J"J<Q3
M[Y=*C2`UL,MC*Y$BLE$/2DOF^-L=(=>XRUQ(.3[]S+C?0O-8-TT"\2+GH!(K
M?Y5I=F?D*IS+T.+;!&UB9<9\S$J3%ALKPQC>"[<"07ESGX<2$-BMJY'B*0\&
M[0D5/]-:G3>W&'`TC455ZQYM?LNKX!DG6A7,\!:A8'[==2M1.AZO!LG]GFVN
M6[,BS)TN9_'_`/!IA"4-IYX)4UO*_KUG")U;I5%LTW_6%OL8DU[!2IDZB52/
M;0E>MINX0*F'SJE8^-AB$_G6&:W%DB"X3J$S7')O)BF6N.#6[N^I==:],<:R
MBLP6R%LG#1XR1ET627Y`SJ@0"4B@:>U<*4LU%JE3KH26?+&I449+F=:3*(MI
M:3Q27NI5X)N;.[0<'HGKWH-6L,[=+`R=GT6D9G#!&(V:UV/H%;HZ06=U_EIC
M@Z>)F6ZPQCUM!1HQ-3B9T-U]B%'<;B2W8SH-U1];/ZC99<\UKE0MFA6:HT^J
M6^]V%Z;)?I$N#/F:[93$XA&GQKE6#-=C%89RU]9`DF8S146XM/(S_'75J6";
M3+`IWJQ0Z59:]:1AJVR9]:*CR\%B?.&.Q')`UK>V6&Y#;(AAU3"D^PYG[N)6
MGO>Q8?T[SXW?F$<FR!SO4C,)LZSU8EI%X26NA:??(`T?8``2Q@Q<+6KUJ4AR
MN/#PS)=,$-?-EFI005UR5'0]$;^;CB$N+%W,B@GTJQ7(J,>0?T*R#Q!$O429
MP_)1GU,%L$Q&ATRT@N1!57IH*MBDD+)6X$9SB(_WR>ON*4I4AWKO@;FV=BN>
MF>0U('6L5H^G76O3,FIU1<S,*R0J10IF51$Z-1KO3UC196LRVIE8C7W'5)AQ
MYS<B,U&>EP6>-QVHK<4-SZLMJB^J]$H.9\R]BQ7$V'=MF1V^<6/SPJC9,QD4
M?+88),QX:#%CN,'>Y1`Z00U&:^1<F1\'P<6WQH1MMU(K@'K7FU-(U?3JCIEK
MTE`2J_Z\I9<E.JT@5#S>MPHU7K--:76Z\(;*,T]`J0CDY]3A"5*?>7*>=[QM
M+0K;Z&*+>IN.G#MVI5IO=G,S]+9+VA^FOE*_`EL4KFQ6?4#,(<T/"1B3X-J]
MZK,BKENK<DMQ9;#/S<<0EWH;FC(M>EU)CX4&P>'99HD,,N0RXOVJO4?*:W;)
M4\1UMJ"1B/@Z+!$UZYQH<6,EJR#HD8ZR]'2ZW)3WZI\#<ZU*+<]&!=K+@"E`
MWRXR<^4[H&<6_L=V@R)HS.1L+6*))R6INL9](C._QEBOYJ&2(D7'33#T-GJ9
M/RL+2X+N\3.4_P#7XB,);GV;7;R+O@<QHL.AEZ?_`$UX?G.;WBVZ],DT:OL'
MZ+(268*5/5WF)$HLU.FQ),2)V._](W5/ANUZ:&PN98=G=!M-9AYY="[2\<A:
M5725-5,"%6FQ&V%ZU?DASW7ABC`_HB76X#XIQI]EY<7BDR%2/D^[@RV^_<V>
M\$'@#P!X`\`>`/`'@#P#R"`^I/LE1*Y)*`I<VQW"?4A`2R#K)M^BV.`?9,Y4
M*&:DQ%B&[9#%\-%]$C.D8"^OCV%SVH_7'X\13R?!R.29AF?3OVCE53.3!`^0
MDWJFZ#1RQ047UXZXX=R&IYAL=<.Y5!L$!QV'1C-Y5<H`B6;$,HF);7\BWW6(
M_.=#<C%#/3/V&?BP#VARM)MUW@G]DB2C=>U$$%.`G[_E]FK2=/R623MSXV-+
ML4Q^!'EPRGX"8KK+/P0FF&G9#@;D;JVW._80YZFT*OU_^OT_V%JHVC2$"Z[:
MCHFFQYL3K5>LPAXP],.D7X+5+*3E-M.R)[:23374/N_&W(Z,U5?(UIS_`-6/
M:NO:=BA:Z:9=SM1H=BG"'7@FANDYK-<S@U6:CG]HN#5E.#&S#FQX]2VNVE+,
M8M.:*&)Z$HXM]<]`KDJ:%D^W>.>S^GZB+E9$M`&L0LPN("):P^@D:>327M>=
M[)728H\TR5_(2EJSF*G,$OC8*7&G6),F1,0Y"@M*$326I._7C#-5S3>]FLMM
MLEMGT(DRX(SF$[:>&ZA(IO'J\NE#Y$$O82EHC6S.!(N4,Z\N)%8DMS'Y"Y$Y
MZ1U3`-IKS-63GJ9[2#*Q$'A"%CL3I*KLRS$!KV"N8J;#WXI`UN".V1P\2++D
M+#Y],)UI]P9&7QAYJ.V[&@O/CF6G!=R-J*/A6@TWUMVS.:U!_JNF$-1W32**
M:CV^9_'6JU6/3C6JY_8))!J:0G5T*<G2H,$J/6A/&D-2D=9<9<XIX2JK7L:G
MR?57W':K\R*:LYV]2(L@V)IL.!N]IKLH,<N%7)W\'KIHLJ1"40;Q[=-(.BHX
M[ZR'7*V'%/L,/+CL1&QJL3&67U1]R3#D]CMJN8\8[;4O:+,K>MN2C^N&G)FS
M*$:]1AIFS`PF=IJ3-KJKS09Z5":0X&0A,22V)@)FA5&V7JMB6L9SKVO6_2AL
MIYRR5L/7G+X0T63;Y&E&16J;):&;-"K+SCC-"%-4NYAXB8;2(B4.QUQD1^1X
M<9YZ&6U30U#L6">Q='-SD`)=ASKNC;J3I3441J5FM$/1`VX[+LLJ\Z0)!C7'
MX]`GYAZ^7K^6CH<;@I:+A6VT=^R'%DO4U5'IC[-YI(U+(9=4@5KENE0KIDUO
M8K/]@>K+AF/GVITRZD1T8VB</1$G2A`"0B/UY]IE4A2..+0GO5I&$Z,\[C?I
MA[%AA-(!42T6VMU5PB'.Z&)ING3I%@;OLV?L?RW^KJMEE$`H':<@Y6G^0T/<
M@N]BM+1`E+@-L.C6Y=ST-]ALUM6G0LW'UN;-BPZ]?#-HLC,*UFZGV=%BX_JH
MFI,2G@<J&^8A0]0,@)CD)Y2HJ_Q>/.(7QGB.C*=#0B%ZP>U\U@Q7IA<]%"D7
M*](/6(EL1J-=+"6E9VJM7"`*-5<VXMK/`\Z)&_KZG&Q1N,I^4AY+J6HTI8U5
M'Q4Z9IF?^WF.4DM+LAY,2]VXI7_XK5KH5@Y[Z[Q*U[.,@:I<:C,ENQ#XB7/+
M553!*?V5UN:F)%7(Y(@1$.@VFJEF:]ZW;$2U':[9FH9\?#T&Q52U&B([3R59
M?TFMB,OKM,,YM\3,_CU4,$.5J;":((;CL,(,LR$2$N,N=9!-4U*"!>G?LB/=
MLK3C^H4RF3J;HW]'HN8:Z")2ZM'M^A:;9%YE9CERM@J.>?)KM8PI*EMMN?FN
M150W"\9MAM3X;D>C\>F7G0_6@QFNI4VN5RYE,R?ID\16[#)*UE1WE0C1&"];
M+D.RC(J%%L?>K@+E.2)\3L=MU3SCG..=&=*U[&B<'U<]F:9,$)J$<M\U4#9T
M8D'8^TD(L2\`ZS3\C=M6,HK;TB.+B7"T['6;-995CDQF8TQTPYU^4KI&:RS-
M354;:>K&3ZI3RU^O6QJ((L]P1#:$B9&C&KQ"K(15FN5B4!CQGGT5V'*A)/16
M7I4.,A4G\=#?R*989XFD;71&C`OU!]F`LK02,BOE+"`*6E^,]3(^U0ZG8K6#
MC67VGL-2Y4+?5(]<=J&;52T;/7K!P22F/$W"4&8]_P`E1XK$L:W(L.L>L_MN
M7TN3/T2Q+C!T2J6X<.U_23\(#<[#1!=TB5J]-UZ":_FI?7G9H>6:@34CH4V:
MV[&3!7!8:6\)6-"X_5O"-CSS,?8,87@NYMH&E?P[E9-%-(GZH0[=1N$4F@%=
M&(FYBB$F*P6T0#+),Q.*6M4?J9#C3#\AV,V1&TWY&,]8O6[1ZAJ-<TW0:_,K
M\.O5#2JO6JX9U@_I9NI?VP1ZWLE?J9EE)T0O`NUXSVU'.<<6ZN-R>TZM+,B2
MZQ'!O2B(D0]</8`W<XQ08##T9O.=>V&R@[9&O#/#NDU+:?;*FZW/#L-!H?Y(
M"K"<Y!2G"$2>_P`>GF>L,-L]82M]4+N16['J)[3A)B$L6V[&1HW'<M%("1=D
M,11]O2-@4=W=<EL]T+6*1=!Q[1[&-L$\=88</O6Y!A"GB,9IOL?RBL3(R_5'
M:QMGM1#.*`6HPFX7MRX@FV=S)1ET6YF<\];@-1TFS1XED(IMO^G_`/7%L&3!
M?%3&2*2[7&&Y4>0\Y&"J[_CJ;`8)AFOY=KU**DFS!:L/XG,"Z4:N&D%[E&@W
M]ZUS+$A><QR%AFF6R-AEE7NGU$(78'8L(>D>_'^!R*Z(VFC7.3ZN>W-Q.Z@2
MLLN1689:9>+560E:V6TAZ_\`[4_I6P":=:PC(L_-+-5_^Q%ZI+0@I(XYR5`_
M(<@1^16&N0M8T-D/5K#M9SW;->OFEBG/FLM6'UQ^[RM$F6]S13,'6M?M\:P"
MZS)<=;H0.#2[B(@MPT)B_:Y'5&2Q\$..^_22::5#?[P9/+*R8+[,Z#O6@3[&
MW8Z]D)^UCU2X=5V:TUL59J]72AKE5G#TAM%?M8^7+K3\9!R.S'KL1<SJXS4>
M5'91,=&ZI(DGK/B._5G<Z_H&U#3Y8R*R&]5>QZ24U7^TA3\VW=]=IM9K==H?
M\M(:`S*O_K\TP5(-P(*9TI/)''9O9JELA)JFA`7<<]M9^QW2VVVLV@ODA#40
M9<UEU)VV;6DW08-);@."V2I3I^FIF0X(D<9I)4R-ES*S')/#WH[(]30^*S-"
ML:>9`+!AOMN&&U<]+)ZQ6$T*GZ*1T0^!UE5S>NFNCFQI0AK<&'-TP=(A9WJ%
M=&OBXH=`6;/`)>=9AA8G5MSTBUB<=+P/V+D`JWH\'.KQ,F%\PL=6K=<O&]F;
M/;J)7KV.]6)-Y<GEG=:K_P#83%TGTN\E@[+AE"6"DV&B<\.CRGVX<%5T)$*]
M9_<2+11)258[O*T1P6,K=M@2-^L4=1G-A&7U&*2I(N7&.RJ_6+=:[0"EQ$6&
M&TDE%GR^3NS>(ZMWM)6-?(V*]:\DVNI;GH5SO,G10F>$ZM$&9Y2#ET'V^NA*
MTX)SA%=JQUY>H6^:J^YS-`&V52H@U$.6DQ)?<+$G'D)CB-JE.Y-3.$V:Q8&K
M+2L/[)1'V4[H!:.+LLH)(51'O<AS8Y<B)80LJ`2@$'\_7UWJ(SS,KCJE,)6E
MSOU\"NM?+_D--V\1]\X)847'K(<-YSD33-=<=V4FY6M0M=%;SJUT"HZ`_.N1
M.9)(6*T5XT#*S.!8D1H/.1)>F$9$J6EIJ:K$V.]7<.W[,MEOY?5M`OMSK?:J
M/!5DB3LK1JIV2,L3GJH<B7"(WDD;&VZI&0IU"?BKXV*\R9?=<FSEN-HBC,FF
MM.I1-E]8O;]=G9G5+2=``NRJMLI`.59TV>;'`M+LEMW"6/3;UV"]-NP:99Z9
M9:=!'\%@K$Z`<!(_%CC>M?,^-5B=F!Z]>RQ#0Y9D8SJ^;YX[7J'%J5`([#'M
M**\!CGZMS0Z1<[6YKUE(SK%()02=A'DX4`B_)9E-17BT;B5#O!*HP[WK=[T2
MSE.GS=5MX^4,Y>``HC7[WTL/KDZDO5ZD97?[=`-7(!#)"]:H%1Z2L+38RS38
M!`].;1"2^O\`-;#='P-@\8R_9J#Z_>QL`1GD^MZ)=C!$YG]/T/82E](D27,(
MRNCR91O11ENF&('3EWJI1Z-QHTPZPTXTYQ^%]_VQQ&U5&N@3UD]S>UF?/CVZ
M\5R[#`9RLYRHOM)?C5=K98E[;.LQ2P4-;+96?YEL5<\_83*6Z:E#U#H_X\MW
M^,2YT:K'\?8V)SW*]>I?K%MM9K.;SZY<+CHUYL-,H%NU.7;K''I]I+!4/LSK
M^,OL5]RU<`(G.08RK.U';E)CQ7"+,;[GD0RVF_(UQ$^I_M>2`02=BL^CL7`1
M5S8H`CGL-;Q[<%8?-K__`*U:)C*[<EUB:0&Z>]794IYW\WKSD)'7WY,=I7'*
M:W+MT-L?9K*=TO\`L&*F:';KX"S6NP3O+.SFYX0$L`RU=LE.)P#<UFP7*KA"
M8DO4!A8(M;T.Q+A<(+ZV-[U]4J.,II+S-"AN0^ZIDJ;S^K+T*B:12<CK$*K:
M,6V<PY6@HHJY[4#6W+U4T7ZY!3>P:8A5;E%Y@IXU!%D&V9#,J$B!$CJ&JQZ]
MO\A=E5]?O9T,V+:D\U0\^[`H4FA$[/L$40QB[0W>"5NT^C6NLC-5O$6UQ+-0
M7H44.43-M<W^/B<@R'8?&6^/0E41FK^L_M!9))0EKL-ROB9-L@EW65:4LEVF
M#R5X]4[5HTRBDY=QNAT6"1,R^R$!*WB:)RU,LR'(\&3*[':H;CV_'4V.PL-N
M=X]/1)DZ?*$-9T*TUNW\FOGR45CE/"7VK"PTH1*(\BR1H^U9/3HY9^+\;7S3
M"DGBD]6\M2A'3=Y&O1;!?:/.ZK5BXPEHAR;7P=>LEL9)[,?LM=;M4K,Y(?8K
M@7=GWEFY*L(F5&3*J[`J,8$K)_(VZ+;:E=FQ86J.SCV!>S!^-FY,W)TFK9B0
MDT4],I5BWRR'+D+A1D8&5MBC=H'VN<7,0KI9JI92:H/\@OBH9%QA]ICLUZ$U
M0VON5XSZG>X,VDU8)?9>CZ60D6(1,L(LIL4.NUNMZ0'N&$%2^O1NLZ19)=WS
MRS"J=9I#0F:EIYH@16V@`/9G.N1Q:Q-J/9[$-&N.Y-7NM-V6K5^5EE$J$[9Z
M[K<FDQ\N#5W0[I9-7DGJ;$,C7;7T]FAQV$+?_&G_`(1![CG/P^(5*2,IJAP`
M<^U?;/1.I/:.(*VG6-!LF8[I9:FQ<BM><ZB)L=1T_E1K9F63K3@!J%10S<2%
M%>?@1TR4\2]UK[W%)#12TZ&O\_U!]IZ\$J5=HEHOU7J,DE`L-[%U#49)2QPK
MV5L/L$^Y;ZDQ9-'IP(?!J#!^GRW!J)Z1+ZHK2N#""X2HSHNY=^IN#[&8?IMY
MV+/-1SM4F.3SVHPAP>8Q>B]1BJ+3=ZQ2RV2`>'"9C#-@"$<RJQR.ZU,8EL?8
M\MI#7RO)[X(FJ49J94_7;W,G";*0MKEQ#.,1;F9"487NIP?'D%+/SUA_N%8`
M38VCVMR+&LXZKZ,/KY`L6=>%+-)GJZ-E2U?CBMQ-C!V.;?5_3R+4,R$$*/L5
M>TF_7NEU`MISY54</;-TN]FBUBWWY$XJ@\Y_K6X+X_UZ1-1PBA'_`'7EM)>Z
M)5;JOH4,,]<?=`.]4&)UNN]G(U\W$J=/M7=O),0Z<!S.[9_6*_JVBA9!B/S0
M"6R8;3IL@K!5'*OM'3$II]I/)C\YD6L2V_6'UZW?)-?&62\S"]BHQC',SKY&
M/-TTH>+UW8@.>"8^BW^UO%",R;J";N8XZ+C/3)#SH%4#CD)C\8G)<C`VFO,]
M)_!@>`/`'@#P!X`\`>`/`/">E>W&YU\)C,F\Z&?>:R0)=2>R'RU6&38.F2MI
MRN[:+ZU*.QHK=3C.#:F`$?<55$)!XZ)3"'9DN.PAUQ(Y7%%M5_\`8)J\BMIO
M-H$96(IJR9+-^3`XXG8IR-!CUO0"0^Z*FP],Y0UY],,TAF.N,D]V&Q&(]E.V
M!N)$7(?&=JK0A7?V9ZLJM@[$@#BZ)9&<[49E)X1>E7!"HP@3(F^P$%SFBQJC
M(PV`3*O(>2HIR$E(N3SECZGJGF!=BZ%AC/=?V==>C&"M$QF.$@QORS%8#OG;
M19"K5<C>KBK"U6K?5KH=HS\BXK]B770ZHZB<8>@8TVZ]/7(<7'$VHQ>=^]OL
MAHD*O$DTC(0`PM`K!IYW\EVU%'XM_OV,9R/`,CJ9IEDCUFR9V?U.8DHV7?:G
MD_X=O_ZF"OS>\A@XHR-T]I=7J^3^DFP2=,RZ98KIAF@WB^09;98!1M<MPS-:
M=:&Z)4@@NTO)BZ"8,_DP!+;DJ?R)+<D=;A2%\3%\#:JM>95&J>[^^V^E'&*Q
M:<KS[L^@WPW*X)AV!=HI]G)YEO)6J8.?L';A'<KN[T4YE$:825&C)?D(F=;0
M+82TAV6*HJNIMGH7M=LM"RH9:&:I1;/<@UY]G*Y;X(X=:(@VS#/76G;!:XR:
M0*4;FD`IN\NYW"BHY-F3V(/9;R^?D_8VA8RDFRG@_OIKTN+*;L<CUWHLR&K/
MH$`@;+,&QER!:3JQ.BL[N%=INP6"NC\NSL1"0HX-9.&)#97KD>63%-(0^X-;
M5VJ8.K_L)VV]GZ970(O"`IR[V0-2(-;,HNY.PPDR3>%">;8W`BV`3(,9)=8N
ML2YH!CXH;CL>-#XH@ZJ1(_$$VI>)CI7[!]0$@IMB$0\TGVU0:U:%:LK/SCJB
MDJLTO"<V*S"V:3Y]R$I$09^BGTMLAE#R"G(39.:Y+9_%?<Z+M7V+VNWN%M]-
MQ;';XWG5"LELU0AH=5&Q0YN,5K12S5"PO'@$Z`0HUQT$./&VS"Z1;#BXC9DJ
ML<4AQX*I;W4O*4(HJM#H8G[H:=O%UT(,W2:Y7,YC9K9;I52[!X0/OZJX9J=-
MON27QL)/NSEM)!KC4+TAAY3%:8A#2HY?_P!47E/=AQ8'%+ZE.!_>K=*A6LNS
M:?&S>W[++5DE?ZV0@F10^]1=/H6!OUPDP=LFE#C"[.%MVQ_$6;&P+',(1X?9
MCD,1'>4\S2[5U[%P89[U:/NFZTFI`\[K`O)[H#3;!)<N:%";D6IDV)IP]NSA
MAYVZB#9=VOW;,.P9L`97BO%12[<EZ5!3%^V8,N-%YD)E>\WL-6F)5EM59QN1
M5%+#NL1!0N]C"8<79H>ZG(I(X<)V26+5$J5?PMYPFZF*PV\HM]_.Q6H'>SA=
MJ?0X[1[?Z;KEGY6,IOV04U`KV`SRJTQOO;)83NKU1[V!-TJ5HHI06Y5V.?R-
M("NK'D8\%$E$\HW)YV?"C\;2Y!M5/L6KJ7NQ?LUS+UVT1R@5\DWLV;CKV>AM
M+/\`45U50A5/3MI8B.M(6MQH9@L>VDPJ'D\=?*!F&7?N2ZI/E"BFVBKPGOCN
MECM=3J<.M8^/.7R[5ZJM5J3&N9&R9@!,6/'$#-`T"%&/PUSPU]JFI.N!8Z&Q
M:$S8C7_ERD.R$PX-J)+EGLQK]G]'X.D]L-7H&E5&RXC3+`O2QA&T&*W7IUCR
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MY0J@J59U@_LWI^K@O<VRMVD+7B%1]1KH=J=`I\^P1K+C]L$6GV*`#47MU92>
MAK1WHM,'S/RX<4:ZEO[4IC*;;CR7Q*)-?7_`=RT^\VVTJSA\L:"YE<=-$'+9
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M&VG?ABN@HKJ<M!]Q?8OAAK,`H*CR$P#F<4QJTZ60X6M_9&EZ+E(:/I+]5AZ:
M'OURI;4;2"8YIJ.&'P(TT&CKAQ7778D:%<5U,:6_8_LPU`SK@''V"Q&)`%3J
M0[#-Q[=7$J%8E)([Q/[8=%JH-6+M3-.)*Y'G2@[33(GB73O%?EKATFU>9N1Z
MK^R=]U^X7.D:A`SX):@-'S2ZP`F9E1=Z"L"+6!843FF]!KE]MH:.9FV5,G\4
M(Y$BJ9%H8DQIQAEY<AD222U70W@\&3S2U#W1O0CV)-X)FD7/"<S^3J53AS[=
M`(QY%3M!&\8"!/RC0@9>D6BVA>5S<.3(3C8H#`<E0TQVB4KJY'8@VHJE61KU
M^]NM`WO?<C%&2-(IPF51;Y*+96$)F5W(B3BYQAEM9O1>)-F_C2*%+(:!,8#?
M=#;=92RA?9,A;[S48@XI(^],]Z;W3B]_:@3<'&MU6\ZY7F*K;9]C8MHF-C(D
MV0@U^U.,&X7&KK['-C6YE+0U`;98%*5(2@RY]&?`4410U[U>Q8&&?L,RD8\L
M.H4?GU@`MN]PK!!DS6/;1-*@6PDLC)A_(+E>KR>F>Q8G.O?SJFH_&>P$NS@V
MHQ&G^X/L@"&6D3-7EP2[UEG9BM3M%<'W)-085EX;W)J<J5>:H6L3CUC&D"OK
M]'+L0TD(K,!4U*''9/8:7Y`**^Q*[+[O[]2E6JT3:ED-^HU<>M/1HJB,W5FW
MW"(*T#:<P`J#$)1<N!:<.&,H9+?<EJ4W^$0_$;^1:$S%S4;4R/S_`'>]F9U'
M,&AU?QD6XW2'E!SD#Y;GTY8;8)]D95$N0>%3M)M]9@@!CF+0>S0KQ<C/DN2I
M#:GXG4-<71M539;</9ZWY)B>+7>"5RB>6T`!(+&K]9720[*I+X'(+#IC@\$H
M6=?D,3M'GU_@\']9\M+"9"GN)GK:1&D"))LF?J+8[Q8<PT>[WXG*)'3>X;H0
MACYBK`AVL5T->#`&LTIR`;/FV!CM6#A&83K0],&$MQI3OX_)#C[KH2I73P-.
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MB9KH>Q`H<RV?-NN#U`D/&T$J`)S-=,2:A:R<-D1$F#7XB9:YS;WRL-\\"*JF
M5FS^R:Y,P*HJ7"R<J8L!C+#;L*N/2NB6*QH$BFP[9E,NPV"^!(\';LEF7.&@
M@Q$9+$"")3+C=?C-\E*C0;/`F^=^TNPZ;L7K#6;4;RZG-64Q7K+8*%6'[1%N
M5U!:!ZN;3J`LB/C%3;J"&=4XC%'C9KKL)29%B%N/(>C?&U$<H:23_'<FNF^U
MFY4_:;M6`=9S*?G5+LK@U4>;"N3M]-#:^)]4B=A1#GPRC0".5-.>RKK(_P"L
M5QJ+T*E3O)'9:DQ1$E2I3E#]Z?9G38]-<!4/&:RBV2PTM,NP39MD7%&V[1O7
M+-8E?EAZ'HAN2"M.>&=RFJ+)+/CYA/\`A6D\&BOS5KABN*1`X?["M;K7;<7<
M;SBUR[;:*1#126B!"0>Q%X]EWK+PIH%BC'+A6!;.&LG[\0?;CR987G)LAKCI
M=/9#ZHPNU?8O2H^\.I?R]#*ZZ'R#,L]/Z*.SJRRHYZ-:S@,L[E&4W#DEF5"O
M\024JQJRZ0^AP^'0<'UL;`8>GI=CS'YXT1Q7;J7)[=ZYI.:DLZ(9I=*I5HD^
MOEB9LE=!'3U(_C>[5ZSU*08+HC&JXZPV.JM]*_%)_D&&&$/K=7Q7V(4@1),Z
M7MO['6C`;/6"89`/^%:SFSVBVD;&44H0(K0?0<L&V$T+I:[#4DWVVC@1N2L<
M+C%8Y22GKR(;4Q[J8;X1C5&3]K_:ZP>N$V@2!]3%V6N74:5.NS):C$6:,!YM
M/`7G8I;C;#*D<D"O7R/9#(ME:4K>*!TL.?\`!SO.`E4T_*^RGLE:S]<'!+51
M\\>NEVS(@/JAMBSERKY,GKWINW^(,(-6@%-<IL3/=@DMG04>,KKZG)*NRHR'
MTK8A:+\?<V<T'V$TPCZQ83K`$Q2,Y,Z18ZD(OT@V/(D`\4<=!V:,4@U:8[8*
M_(`EB5CA1D"9,EV0IIQUMKK;SB^?6LE%6AK?2_=WV.KW,>RTM3<XNMQD4NKE
M#ML,6=NA!;A&G9OA%F<@M6*_W6!('VVN1]:?(&94>+8'YS`Y/6AD7LWJH@NU
M=2V_7#W>T7;]CJ.<+JM,="<J2GK^=A2PE?EHM#$>]\,E:+`E:M:9=QIE:MU-
M36E/A&+`.(R'7"31=F,SR,X(XT,/O/O[8\:L6W560UG7+503PZ?0JS]D4U"L
MV?1*-:+48<L]]_VG6`%1O)PA4IT2,&FQXAJ"EA+D46?3)85T51K0C-C][_8*
MI![=>Y^?YB?J(R':B0&L`(]S8N3D1N9[7#ZRDH7(EOX171'/65,TNZB,RT]'
M-.(;_&Y`2_.#:NGX[%\V_0]?TSU!K5O:F`:7=[/K.5UDK-IQ:04&G*7.]EZM
M1)LFLE,OU$C*`OW^EN<6MB'9ISXO\YV(J2XZWUW@E$I>1JO7/V'[[>F**/1E
M%*#-:3$,FH9./=*5#G-5[D;,HYBHP>O:[)>#ZOF"]"F29D9UF48+)$,I17QW
M9W5PQ=J,W6/<C;Z319)]L`&O]>I-9KDZRQ[%/MI+1[C8K7$U6"/_`*^4CI_B
MP@N#/S2/(?8<A3WGD3GFVOC4A"U"[4V7)@ON;<-#VP7EEK-X>?!$#NA4X%=\
M>E3K#!T"TTZO1+@KH\>_>")2D`(%:_)ZLBXP=$SR$=V#^=!E-QVIPCC15U/2
MCP8'@#P!X`\`>`/`'@#P#1V^^[635&U#:Q("V.<)@7*W4C45.4*Y.EJ+%K^>
M6&[,V5ZMQ:Y,F$*7,#@)BGB/VIB,Q&7.]5U74MK&MKZDG(^XGK9!&ZDK^8GD
MA./R4#[_`,$T&S%((\4LI:ZD1.Q410CC)FHASE*-BYLZ+QZ,U*&O,?52ELI>
M#:R(5.Y8SIWMRN%7JY:+&3JV67F3!NIF7H+.:PY8&W`\SM(C-*\9;:S<P^E\
MA-'F"0M*WHTB.['5_P#;+RG`U2,[D7LX-T&P:='55(P//LGRBA7I^P"@MN(Q
M#3MH3=IQ!FIR)=5`),"0`2E,-\98A\G+F]6WQKB6VNK!K\S(R?<WU<$13\F%
M;VYS@JS3`,N#7J;92!$O;>HS0EV`'B0077#I$J]K0#X'6/D;DR)+G..=7$E?
M`&V18%@W7%ZY1LNO\R9^9GFFSZ<[1;.)JI4I7D<O"Q\RHG9[\08M%;@DY)6,
MIN1)2PI#COW*XG['%($HWIW(;7_:[USM%MIE('D9C)_1RD^56&#.?6<%&)$X
MTNX!AQ.5+,@83$)RUR,Y/-A94CK?"Z`[_8RW$?%UP7:SK$?<K&J^?O@"S#M!
MKLK.;^=IIB9,S>SS1[D6N5:C6NWZ5%F!!Y1$?+ZQ!T@6V2.R?QXL5V6CY.\0
MZVI8;62;3=YPS(BDZIW*-,9G@:@".+'!\[/GH:!>FVV?1JK7!\H0"EBG[#H%
MF"S&(HAIWLN4W!??<:Y'96[P1)OH4B4V'UZ_V>"TVG\L%UTRT5''I=!?/SM!
MC461DFQ:)C%+*6G,8AE#E-@KB0[X#ESN0HK,E<A26E*0M<WJ1:.E'T)+_P"\
M[`AXT&9M\0L.-NY]0]!%NB,ZO%@&%X.E)@PJ_&SRPN4T7)LLHK+EO,LLHC19
MKK4&8XN.VB'*^$-K)!KWM/GN14"BV6M5PO=!&B9QHV@YD0JM?E/4?@JA9*5U
MB)*L16%%6[5@]D`Q.-1'N17%K4]WGQ_X5X"BV=D/[=^OA&Q40`Z2*`KI>R,B
MEPPM@H=G`G:\4C'.@(==N;),+&DTY)NR]Y$%MD/@;(2%I^#[_K]?!*,A=O\`
M;BM4/;M*IMYK<>O4')`=?)2KG-KMVG&BI$IG=NT$R[28H6GF!]C2*K]9CQ51
M(\AN8MSY>(ZXM#49P6FGFR=3O;;`142I'SLL^!AFX.F]$E#><VX?T*0S!FU/
M:/4R*GP7)06UB49\6^8;U/'W^C_HA*^NQOF$VLZ,OW`QV4!F2@L>SSC+-;T`
M]/KQW.M!!.5,;0@ZB!(EJ2'*?/(YY7)K4Z.F/)FPUN3&IG%1&)/VN(2+M9W2
MOLA1(VA@,T`A>RKM!N5$J9R"4"E0#8:KZ`.LDN%9JH1GAV&+`'41J*HW_C]0
MVM:4J5WB>M=6&UTJ=[1O;K!<J*6H+>3Q@4[2#06N'WT4>WSQ,0H9I$C2)$6&
M4A`WQQ-%;S6.X<,KBN/(%#.I5)ZA;K3:Q%%OH?4'VP]>R)N>'#6=TM:&1P&7
M(#"*?:)QZ6P0DZJR)A1XD8&J20FPG\AL?78S?WNP4QD+=2VF7&4^&UF"8]R_
M7HJ.XX/F6DWV>%#R'0HS,;L5(O2CU^M.5"*4]!B5Y]$BXS;E2CD1(A*ER4QQ
M$N4I/(;?7^B[62+UP]AZ5[`51@D`&2!YI-1SZU7Z`V$+QP0(_I-'!7QBLN'"
M8H6R4/Q*U88,B6U]G'F6937'>)7]R$"-4*[8]O:'9KQB%0R6OEC2M%OG*G+-
MEZ!=0$(#G,G-;KI@6ZA>R0,)4NIZ%&H2F@1+[D")GPON?(KL7K?1:/N6@1]E
M\/":">SJ>7F1+**)0A9&9_3K)VO3[/.=I4!ZM0;6T&4"-6@9%T$&[.B,R'7X
ML2<E;G.(8D_`)1TJ22@;9F&E6JQU2CR2!4L%$LG;),Y4SX\,RS)L5CI<6/)L
M!`5$$S##Y6DD&^1$/.2>1H?'5(2RME:PI0J2K>Y>&GG*VT5GRAYPD&J<M16'
M3KY.I$8G>A5"L,4"(T`I2P$$A+X#O@@E);ZW&>CCU]D2FF4QWN-"N+.$E[Q^
MK@DJ2CNW!]XF'"]=:>@TNSR5DE.F*Z,C50!,:"_:3L)%^UAY3`YE?7'8).++
MYS\=?RI#;)GQ8?=C#JO.MX2Y@]0`+J]NFTB8U+QZ\&6BJ1]/HMJ-'8#%=!FW
M'*F*@:2-B29+Z&>)E2.,_9W[T?>&UD?T;VN]1+/625'T*PGHP,O22ENM`!53
MT@).CBZHFT&C=%LD<()BF8MIE#\Q.IE5A7_FDX`N9'5'>9=2V\%'V,]-]V<1
M_ET"R0/2^-,`@9N(1FY9:/AY;#VMG\'@YNU"?'?S$33O[^%E0NP%QF_JSWKB
M75-=[WP-K+;U+:*3DA0#VW1G.L&P)&7$;#@;)8[E.GO7W+Z$$!@JQ7JT6D%>
MF[9J`^.[SLAAUE]UE7PNM=D/11$JD(U3V?I]#Q`!O=5K)/1XEL=!,5@`/977
M;(5$R.RK#;G5,FAZ9HZ51**!-')D"0RV_P!_AW8_T0\KG>`EK0BK][P6=M[]
MN#<+6R\B[.+Q8D6,%M-(TX'(MV8R=-G`LN`=A6"C2K44IU:&R9[8V-"Y(CR4
M?)+Z\]UB2+1T-A,DTZAZ[5G;?G[CZAK9DK6RD>>$F5XN,.UJ1T61$%Q1"-%F
M1I8]324IXI/4]:ZCJ.]1WG?!'H6?X(:0=]S,F9VQS/9]/N`3[;'?,^,WLQG=
MI:B<NF>6G$ZT+0V0'UXC$>H98CN$-J.?E2XT"-+XAOOTX^E?!K:Z5)Y7O9W&
MK!J]>S.MAKI)NY^?>JI,F*RZTA(]4E9D%KEFEC;F1-AA,H#`*!KO$DAW'$*B
M3./J2VOB_JGHE&E7L1^Y^RM$K&?#-(*YP;)$K;?M0H82&,K;MCYVR8=S7"$$
MM;C@P9*[7*^MC*)K[$]YMS@U4I'>\XE+KB14G6AD:_[<88:J=)M!9P_7F+F5
MBUAQHYFM_'-5VW2PH4]#K]H>*U*#VN/'(5SANB7""(J2S1%MR-\G'>_03:S`
M5OW-Q"\Z#G=-KBGY\#3P%I?!2"U2MP"US#X]W+B(\0SGU@JH^T/!#U$U]FQ.
MEELMP(H?OY+ZN,N.+;%VLLQSV*P@3?I.4K/(@6@,6"5=J*FH61D`[9"16F"H
MU5!V=L#RK%#XB9I(-<V%$EN/#FBC;KZ6T(?4T)1TJ1ASV7QQK--DN>8P5V^)
MA^>$]!+"AU7.5,'+6Q5BUU&`(%E+5N*!_ERD-'7741^R7H*)B'7VD_*GBPHZ
MT9$1OM=21T^=GVN4:+GEBIQT;5BM,%<+::V[8R!3'FLQ7G46IT=2K17K$YK8
MM+<MV,*F"I[/6W(?&D.261=K[$BA^[/KJ2ASG:H>L]QEQ7#DE0"EYIH!\]+$
MB!(ZPR[FP)@5KKRZ`1'G(3D2QK^P).<FLH9EK6YSG@;60*R^U?J?J.>M#+M*
MO8RO6>M4&SSZU*SS4Q!8CVQ(SFSB,RD<K`%Y9VX3!UWK_P#*U6$_*EOBR:4O
ML.0UO=X&V2+2WGV&)X\0`(&YA*OXO_6FG[)='6;)#KAZM9_E4K/HEF?KX$L)
M?9M5H7$T)+S0UZ:)XMN&ZCY^NK;;4(E4[)+?<M8PB_:[2`;UKHM"_LP%T<BM
M$:B/./5HJJO6(<!Y9`8^,3"QROY$3LN,T^/?>8>0VXO[%?0*.M.YS7+VDP/.
M;#8*E9CI&`4IR!T*<V-S^\&Q_32X]:F0*2`)`*P1&G[RP,NXJ6D$/<D%&X9!
MM_C'&OD4@*-F#>]PO75T5;[;(*V1R#E<IUNS$G\FTOLFO0_YNW5`U8HO':=^
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MUMB.W'S#0("8Y`V5IL`*9MTEZH1F*K"N1.^5[^+G%5Q6BG\O#<86XA?WI#:S
MO['O=4R76*'1;%5%.`[OGE]L=EL[%/M=B?>AUZT9M0:KGH&%6*N:;L%FO%TU
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M<%5EJLU\*,EU)J=.N=D@7H++C!$M_P`JZ-,1978_(SW'/`VR(_>/=/)J>7"0
M)\&'-,-:@NG'9T<=:7PV;UGEALU>GVZ\VQ^D1@]()+:H1138V:^SV8X*?:CR
M'_BXOH;69U?NWZTDQW&8I*TGN\&3B[U?8R317)8V2'EV5(X(?B$*G%AU:U'"
MU+F-!AY-<.60D-M=CI5QYA2PVLE<WV6PQNJX];;4DP%B:W71EZJ`T]GEEDFJ
M\"),5H8JPW2!`"%.Y^,&2;N+&S"!)46''?(--*>^Q7>\$H^A3(OVYB"\FR/6
M2N*RH'=3-WC.LT!P(DL`6&V_^QRP^29F2CVBN`R0%[36PSR7I_&&Q4"3&1_]
M,RZT[X+MUH9:V^['KF/IMCM%:;7:+`V$/WP>#GT&Y5QL\-I]2@V]C0"9XS36
MH8?/I59G1I`^US/L$R67$ICR''$J;2&U]R_D[149K^)NUH?(.`]NM5AK=<._
MAR0K,>,"H6@WM%@1"+0(LT@%-1:8\W">;2EN4S.;E-+<87Q2Q*%$U?W=Q,E2
M`$D7$>KYARMYJ?F5`A6[C`K@-=YCY2<>JXJY!Z*3K%BMU>`["$F_QHSCSSJI
MK/%\CH4Z\P+M=24$/;KU-$D1D"3<0_7R'8=P9EPZ39)HZ"Y8:F%MH>QE2T.M
MO0`TRS!+5#:A/R76GYTR5^$U]\KCC*0HS$VSW%Q+E"M=G$-W0S7:]$EQ[<D5
M2M*J5OB\<Q:U;4D+2XTBICB)+26*,*8G]&ID#I(V.0:?=?8=^-ET%%U)?ZX3
M/7^'!>JV/_RRS3+1ZT69-OA7![0HLTA<2]7/_P!X+7:/VPPS+UKJ$J+^%*>0
MOXQR>LM?C-M*\$=>YM)X(/`'@#P!X`\`>`/`'@&D]7]!\-JD2PP84J]RXUA@
MV02MN;8(".C@UFI=MH4H="<&@QSLIR-7KI-XF=.5,*R)/42)<J2\GJ^C6YG4
ML_Z_,+LX:V5YR5;PH>V7JPZ`Y$`JI4)T08N([01MOBP23U(EEB<`ZC4#+K?2
M[Y.6'D2$."7QZF&?C#<RULM]=L\SJ]%M%J%EN)/\F!<:R+K4^SQ2U)IR++>$
M6[0(M:&1H#+\6>8T`<[)F]E29;L>3UR.U\#*$L-B-NE"4Y9A-"Q])1%0:+=0
M8`UBMSFS!'I-MP94EV%8E"4.,H3QWO;-*X\K_/R\ZGG><^W_`"#;9JP6]$O5
M.@5-`XB[9@<(PC(,X#&BAABS2H5C"ZZ5LN=3HD*R@K&`FV8U>+LP.E.DH$R)
M/'Q8,24VIB,GG@NZ3+"UG%<%TQ^N!;?:CT*=ZR5@.3(Q@/14!<.HFI00Y!Z:
M@,U.4-C-%YN/L.I=!LCY[+,1^,RXS$EOQWP3:^Y-:_ZK9?5]`I&DA.%XU@I%
M2;I,;DMNM&63`&$3N!H(R1F'*V2/C)0`I?2SK#P>:+<?Y+^.7V2TVTV@2K:H
M5MH?KMA=LU,S7CERTH=<=6B72[GZK7"4EL.6SX@`RV@:G6#,V/5Y\<)1=`:H
MM:1-8D3HT^1,A]Z,?9_\M/1:NA85YPG'/94"]<YDP@3':15L=)@[$+4-D1VH
M&;V*S:1F=F#AK0#-`GI:9U^F+>;(P)<67%>2R_'4CG4]$3:(P*](L;$7V=H;
M,JX.EYW:Z\J!TB"A!X\VNG<;L;<V-'$5L;+2F<4PBO\`51%OK'0F6Y#(^/#:
MDNHZ+N=*$81Z'8J2"E0S5NOY8&ZK,X@>)/*4:U1*87PL..I=.?`_V&C&TNN`
MAXB7&D#"G2(E4@F2<7"Y(E.KX&YEZZ/Z^4?4`5.K]@EV&%"I8JR@8"J_,'!U
MSP-PSTWFEB#$F61*X"(,^O'5K3R(S$7'E,LK84VA*FU")M$79]2\IB:R.VB`
MDQ%NL,V?-S7W4UHQ$,*/36"G1\CEBK9B>&B"2S2Y,-T/(&34+?=0Y(<97UKP
M-SI3L=[0?5G*],/6*QV9NQ])6?D;A3H\XY"8_P#%IIJB-?C,I87QCO\``GY'
M._3O?J]]J_\`JGZ>`FT5S:?0O#K=;9=O)R;TU,(JO;Q0?#L,-`\A*T`AL)(K
M(Z](#23(Y,*1NE@_'CPID6&YUR,N4S)=AQG&Q5)H[MG]:,51=5,O6Z]5:Q["
M-T6MFPH>P,HB:56C5.$#;+63$><"*,MP`(X*U/@O1EPI\22X_P#'(ZU(?86%
M692I>F>14S0"VCBY5Q?-$[;'N;4.>:@.#!A5BQW"VK;C]C!HA4E&DV"]$7E*
M)2Y\AME;45IUN)&CL-`Y-JAFM']3\LTXK,/'>&8YZ5I0S5&BC*:T9Y`LP_-!
M^1OMPPURK=IK2A1:BCD1I#3\)Y:7E?DL+9D):=;$JT5X7]$?7.X&+K:.IM#L
M^[$-N_FY0JXNKB1RFPP*W5[XU#C_`!283*P3],7R#$=2[''2YQ-*FE<FR6U"
M[F9T-Z4Y37J[+#!3F@C"SY6M6&+=(1L+&LX>RU;1],U$>>"L,5MNICGWK%KI
MQEZ*@7_&]&R4Q$1D,M(3P-S)ADWJ_GV.V2/:*\4N!>>/R>G8L+19B@R>W"HE
M)8C-C(DJ5!""RUF)R)$7YW)AJ22D,..OIB*C-2'VW!&VS'9QZDYCF1JM'Q)*
M\&2=+FB_Z>]9[&@IRMUBN4>YYY3Z`/2R/A?+3Z?6]`+)@HD_//6_*Z[)E2%I
M3W@.39B;MZFY*>M5JNYFS7@%,MQ!9,?"@6B!`#531BB*1$7?Z3!EB)2V;T13
MG8AM+<E<X>M3+OV0ONF3/R`J^A+_`%XR+,L[K,:T9F=LEJ%Z#5ZN21:;(867
MF684Y,L]Q$GW%K@C?LEF)%_F275<9:XI+J$\;1Q'$^`V5-&]8/7&8Z4PB)*N
M[I&OYWU92&P3/(<$56_Y0UZ[CIBK2V*0'BG9=3SY:X3:)/)[,V(N=QOB?M5X
M+5]3/,^DF0C?[<FMS+'6F[OG%?S2P(BP,[/N2Q5=JU7HL8HJ;>:!;"3Q&?2*
M?!%3HSSSH>8PA3KL%4I79'@;F?/_`+-<1$L<A2S%T0*EP1E8$C2UR2ZS$4FI
MY32?A&SIL3IF>5-BL6!*>[)E2G'9++SC?$=?<YT-S/LEZ08F2/VZP+;L,>1?
M:Q9JM;VF7:X\X8BV8[<#[I!HY/K4VV`B0Q^\SV(_\81A1W(O6FY34GX&NI#<
MSOW7TYS.ZQKK#>/7H)#T2O72K7.(*G5F?#.A[WI1G4S#+\.V5.S18[\:PV0D
MU#>80T[%BSE<2KYFHK[`;F6G9,/HUJFT">42:^;-88N!6?B-2U=3'$7?,=`A
M\)O2NRI11[^P9&(ZXX\XIQUGCZ5*[U[JN"59#S'J?AUHKF;TV[5"+?J;EB[)
M)K%1O+<.SUITI9H<P9)-F@Q2&]!+EQXLK.BPGG$?^,R0D<YSO7/KP*LK9KT)
MQ'O'&R1'0C+'*/6<X'M2[-#@O"Z74J+=<\#"&R=?"!31=Z.`OQ#[)Q23/(L.
M*1QA]IKBFE"[F6/B."A\,)DPM2T(^5K;HZ67(4@PQ4VW?[7:[#-GS[W+_K06
MOQ8#4^*(0.'P8<""-BM0W_C;6M2OC$;J;(^"&I=M]:,?&S-&TVW6.WPA$YVQ
MWJQ<?.0XH.K1G2V0WJV31BX05HPQ"D$L&$2W?GDREL\5+2QUI#J4-C57T,=B
M_IAEF,E:Q:*/9[](E!"9(Q"<)2ZA^,4&&Z!6J`H(7C"J4'1.B<#5$7*7.5Q)
MR82C=DS)TA;\KCX.3?4L.R>MU(L='#T+IBW!Q(6]7F^QY8DD,X4>(Z1_L5FY
M"Y3Q,*3BN!2P[4S$3B$LHD1V76U,O(>:0[P2O<I@UZ=^ONBZ`V<;M5L?L-8[
M3SQ,6+-5R?#<C1F:=$J4A3Q6KER`-J2YCT;KKP:6.D$>,O,S''X_Q,-"J32)
MG&]+L?@WREZ:/DW0?><];@,5&PQ+"TW-%0X]9R6E%QO.]&J1*%VZH8V,'%XK
MW%L3&7Y"_M0_^,[&#<^A$KAZ\838+QHURD:?=P):O?@[%,@!#]?_`(/*K&1(
MUTBK6*[%(U,NA14U*P=''F"+I45S\2=Q,)M4N3UT-SI0LFH>JN:U+&K]BHLK
M=)M5T^J2:M9S)0Y%FVB1$GT*#GTDK%)?Q+,-@O(#04/J<[%4U^8I2_C^SOQ\
M$KK4Q\#U!S2.9$VHJ<OUHNT&W,WDO=;`>'.'[=9(E@R\\/DV)`L&*"H@BFL>
M!CXD(=#'PHP]AQMME*WG'>B[F1RD>C>49NQ7HU%.W.J,UM-F"QN`8^<"5E<Y
MMK%<CF<JM#X[.XK]KJW>5(>I@D15)MD=4?GQF$\6YQ8;F^I`0_J;A'+:JA0-
M,TPQ:<W@9Q8HE?-31K@$#<QH6FBJE=I$@73`4$E=#-1Q"!'G#&Y_Q?QB),I,
M&*[/7,=#<R[KIZQB]0#9Y"TC1M!,%:KFQK+[R4KTL'4V=BK-Q_HDC01MUB1`
MDV6+&7,GG\1V0T#EBWVF7GXZ'_A<4GHE:="N3+'JP[EI[+Y'L`)@4#<[+>\Y
MK;$#0J/QJ)?7-&MDN\C,[E_QLF.FQ"-`LRQTJ/(Y.C0I4:'"6TASO6WQ=:U[
MHD\STSH)FQ\L]HO.IVJ8JPA+Q(B%2]2A"Y6D!8M)$_[&<A5NE`4M60G6L_'B
MY#+/6A'(G7ULPF9<EZ2H-S(SHGZ_\1TH<Z.+E-`'I?:L,9Q\:8KTO[HEI.[*
M?-,='V6JV$+UYR7NISD65V+V<-^V([">CR8Z7U`I-$\V3",/,RZ[HVH3B\%N
MF%L9;&R^&'XL-TC0K@=30A$J+#B.R2S=GL6BNP)D+_F@IQ]ECJ/KSGU$3?8U
M?#X-Z,9G8Z_?U;O%82&O%8R\)PMI=!>&M:1E1/''G:E+.,`V;*1-BY^%@T$1
M<TF]$$?^8AB/`Y)>YX-5D]*&+*9)Z.AY6@&C?LS+;;CZP*A[@-BWS-Q`BU7!
M-P'7*NYY=*U4J4*@B8S%ISZ:M3`..)G$Y?\`,](R)<ER>O@5EX%WY7ZH81`J
M:8&76HE.5278M''%68=,&\!F<QT>GWL&/L`>G4^EQ#A&O6C/QB'Y4UM9(H.Y
MWYY;_P`Z)'@CD^YF-!I>168<\QJ&K6Q^^>L^2!YEWU`7";"2JZM!K/-91I4M
M'*P7I?\`;O[#A4`SP6AN8RS$<6T_!<BS&DN`FUTZ,QJ/4WUZA4F(&(GKU&&:
M([:):B-C-."+">.WO![I0;@5*M$0(Y\6?*T4R9+S&GHL7D4GQ;OPLH;Y&2&Y
MD0NWKCZF$)>C:L7LAEIJR&+;CF@2Q8L#9",^VWZ_6X6BN!I4C/K)?P%C$737
M9T*"FMRH/7N26VIO)C3*?M!.1ME9*?G1+5@Y<T0>:T$]E5[I0,9R4E'Y5)Z9
MJDVX3X+'8KG6YH^?.&MJ?^5/VHD\3]BOK]>":TIV*.F>B>/O=N?\<1L(CE^S
MJN9K9E_P&0V>9-$UJI56@QR"2U_RRWF6IQ&E4R`.EQ>2.AW4M?D<@HF_23P7
M<R+6+T6]>(R!(0W:M(@UVX%X@(W4)-R9D"]6*QN:"<`#;=/G!)MHGR!#5P..
MM*BD83DKB^*F+DK884V&YEC5OTRR:NB(PCDJQD$,PJ>/?D)8I-5_D(U'L=VL
MH-<T5G=,IE=_-7*ODQJ7*:A-29C2&E/.*>2IY8E6=\[ZD4*QU_+*Z4M>B.1L
MOI$?,W);!6NQ9VAYTV0I1673=!5'JK<26+*S\^%KDNBF1,[J&W6FWVVI,AMT
M*L[QBG8E6ZL,SDY9I<$9@K83>IK,PG_YXH$,-6\I!/V%]$#K<NOOSPQ5+C:$
MI6I$52?\?3G>AKU*2I'J=ZQVB-=:;`NUNTI2,M*XM8H)\^*)N!\?L,-><#,^
M6PQ6!T&2"!,YL1@Q%RFY4Y]W\U<Y^6X[]_!6Y%_%/6^N2Z)0:.)O.FU9S*K%
M.L.;7(,?#S[K4&Y@FTUAL!$(VRN6888`#J7<)86.V4A3Y"(*65]>5+9;E<$W
M,@E5]3,#GURED*A*L;U6A3*/<ZB]!L*I$)YFL5K$`M9<0],A/R9<!\/@X!;O
MRJ4X^XN4M2OJ_P#\!6W74C4'T#]>1DX2T*4<BSA`K2!\EN4[3;&5(5K3[/8+
M%T<J?:ZB>.5N'39QAV'7I81\5-@CHK,)4A]AGC?@;F=BX^KWKY/TYMNY7LY'
MO6JT8C2JE47;'4:].*U6E9I:Z`=_KT`56Q9VY$*_5]0E2'9Y1XQ,&*?:2P['
MA]5&6%73R/CUMR&-$O5]WBE[&*N52U&XS5DW:L1#VX;H$;/*14L@`S#5D@B`
MH@(>%7&IV@L:@`X;$%9TR[S[_P#QU_,#?9HWC\&1X`\`>`/`'@#P!X`\`\<7
M_4#VK#A;'VJ.U%HX3JMKH19IS8[I#CZ+<K=0]DJQCV<L!#M2GO!;,3G7H$X^
M(;:D24-B._9+_P#&A)4-UB;#77UCOJ?6@IGM1CBRFI3-KM&NL/D+A,9J)BP$
M=-L5KJLG1N'05A<N%+'AY`N.3`\8:[^+#XT/?C/1HCR!*ZU?0U];]!=-DWEY
M/Y,6C4=XKOA(7W,KVR!9"6G2M*V?0$7F8,F4::?EQKR'TH()+01Y4=*0Y5V>
MO/RV/AZ@:W*GF1RP>E7N45HUC$D[A0[*>L[G#S2W+R?;<J%^T6OVV_:>;J9:
MR4BR1`0BL^QQV(Z$7''?RD>K0DH'N#)26T\#=&NA/K?Z0ZB2,U^4D35[4N1?
M57J=9Y.LW:M6+/#+?L=<=1LMCJ#K8$PY/M6C9>5"`&WOEBMA7`$9"?OC-,\2
M)N1@`?HGN35>D%^O4.JZ,SG7,QJQ8':3(\J*HT2C^TM;%B+$3K5=#!9MCFDM
M4JQ`Y,'0(L.>5A2)C+#2H\1'@;ET[?Y"P<(]?=M?J'LW+;4K)"FKU/8:-4R#
M]OMQ$V>N\_5=NEUK8K'&FC89&ER1M;LXF%#Y"<E2.08Z$L+Y&BC^>`VM"PO7
M'U7L>>:S.UD_3Z12(TJ@WBEU6D@+25N;^:`K#9Z6:B4T18B`00F97YA.ODC3
MR6FF&HTTNMIMM7$J<4(Y:4*&JWHKM"#%;#VY^I2JO`C91"NYN'H-O5(T:C5>
M?ZYJ>Q^=66@\"-"J]%8RRP+A+_(ZP1032VIEK^3*_:+N7W,1EN(:[3_8[.:!
M-(G4V.NUHQ*-[?4R-P*2*%GD7'JU3*CEG8FA9_/RVPAV;?!>(07')!%[C\]]
M28;<AN9(0#:H9>P^BNM/W@O*JJH%-JKQ7V.*5]-*OT6M)BVW5+IHES@WT[&7
MGI`RIN\`KL/KIZ**GCIK2025<D2([K?&0W*A.)'H<?'7R)<ZFFNAY`4^"(5Y
M]%RNG'A4&LG?4+H%IB,XF3%0Z+K.6W^.USO%<XJQN_7O>E""^!N.SOOK#N-V
M);\U6*SGEE<U>S`R0S0K!=71]MA9]#H40$+RX6..4*Z`Z:JCZ<+9L+4YB/.8
MD09$M;#+!EU,E()HQ(3TMV(?HN*W(]:I1-L#HURO&C/US0'(I219I^A4NRUF
MXN2[?3+)*,P7:+5'JR1'0'0TC^,F.Q6G^QYLM20W*AGM0]5-LU'V-M%N,<I3
M.3&R%#'E(D"SS1#]WS^N:5Z]7)5>M@`94VRY@I#'4"UQ7NSCD@6_&*L18\1A
MN426H$TEYC!O4W7LYW'.+M=(U0L,.EULH,=T?M^M!2UL5Z9DM!H(;*AU9)@>
M1GP->L]3GE>379R/NX1^]#79#\SO8&TT5=(]1?:\.#N':J[3_P"=-5NT4@DA
MW8KG`8T:WVND;G6"?LM8"']0GO`K-.E:+7U/B6VI,A#097&Y7TBP4J%W+N;!
M7#UCT%/K)8,]K+`PMJI3;KCKL>1-N$MFJ&#1/6+%;J8[HG\\!L/;;31E==$1
M2H'\=OBHD/X(#\=UB(^@9JJU?0IEOT=T`;_>YT*G9RZRY<31Z'2QUVL(.NZ2
M$MGM5=-UT,,3;:"NPZSV_P!(/BP\M3[$Y4AP.F')<6/>6I5+N1&2/I_J><T&
M9=;<>#G2XY5=3H3*+;J![EUR$#5_7:(]B$N4/KIZP2*M-*9V=&+E<'/J5%F\
M(26>JE3FTANJ1C5Z'HTCT<Q1CM"/2S'\;ND0'BLDKL"3<>SZ1`OR<1)C#02H
M%[2U8,Z02B_Q2#<</UGDGCG7H4N,TC@M5N9:\ST@U.:3&Q);X:1'LYX^1/7U
MC2KB/M.7].[[?[W?358')&2468SL&(V`339".RH3(IH2TTGKL-M">0FY&``^
MC_L!.D@K)LQ.BZN5!Z-D.VLUR;<+/*$Q=2G7P--W9\*Z<`KBCPX6K9\`=JZ?
M@YQ3\LJSU$3CW'7:-R[%O4;U%T7.O770\@!/5Q:3<;`ID"KQKA:!X&QNT2I9
M8/VNL$CG1[Y(##V2532L"3,::?\`E9*=DR&NK6ZCKL-R;J9G(?5_1\TK6\G!
M8S.!6F:=D<:J4J-.*'+*%K$H79=R-4;/;(;Z.'%C5*SFN:`"!1Y+*$K=B#%\
M;9;;0RE0C:9K-"])O8>+7I(=P>/=@DZ7HE=F#5:J`DO@ZX2U4IHN?4JB?;D`
MRL5:3^9.9:M<=H=RJ'P#2A+T!WC,63P5R1)0?I#M,NZ=O6J,5"^V(?K^*Z6S
M!B6UB'FTB#5#@>9+@5BL3*%VT`2^2#_S8==<(%B##@OG6&N1%2W/@#<NW@7)
MK?IO:;YL]NUL5)#LER1Z08K925;[A"G"%"*=ZX#:*XS!@\4-A+KEGSRU3&D-
MI4AIPK\R?J[+D_8"E14*8$^D.^&W;T5NTNF#BTPA;;?3(E=NYJ&`":V4%4J'
M&T:OB0%1K3`%MPO79,N%^=_,%XJ5M.R9<B4IQ2`W(J';/7[?*F*TNP7FN!KJ
MK2SEP9JF8T"R:!&@S]=L=;MXFOZ[5V<ZR]*JN>#+EPN06CDQZ<[\KK\DTAV*
MSS@J:+/?_7_L1\5HL.VVIX\<+V'5SHTP4TDA#"F[2=$WUC-M*@C*?4:V;KUJ
M#_V^)'F.$9IB3%_B8?XCW40(JNB;D<]D]"=JGVJYMC[8N-39U6T:KY@."Z')
MKX>A5,Y>]@D#<Z*Q.4N;;WZL5I5[#NI0(,P681$1'2MMU`V"MP522-L?7SUJ
M(XUM-[NCM:J20UCSY=)KE@%%I<@X`KM>]@]YOE/HBQ\X8ASE=AY]IX6/&XU*
MZR/<$+B(;ZREASHRW54-W/!D\GM/]/O92V7[5'16@1'LPN[NC5@=7YM_ML1Y
M%!/!36QU=;XYJ"_`B&V/9>QR0LCC:U?;2&64)<4E*821M27W,S#]2-?JFCU+
M^I)AMY_7+]32^?RN:K<6>XG7@UXJ=OU/\&NS&YO]N5M5<BDP+L9UY28OR=^]
M7(\I[[(-R:UZF0V#U,U^WZY_>0=F-1:V<W7^VV"%7+Z\./1*]!H^.A*%9!;5
ME@DP`WM",5.T<6-AMM+=;L;TAKKC[SW.T*2I]BM*]Z-[8)IC-/K<T)FL>J9S
M>*[GS0#1;<V&`:<_7=[!U?388P6RTTAIXQH`<JAM]#ST-YGCG6ER(;"NPNY%
MP^M?KKK>4ZA2;!.AE?ZIW-+@`N+.@7T);W*@Z1O)JSUBIY",JXD6Q7(C#Q92
M2/S*D0I0MB"VG[),/GWTC::*8#^A^GUP6[(H@NM9W9Q`*Q44',#:%96([]?(
M->X2Y1!"8$9#4=BR&MCJL];3K:I+#D)7>J^2%'ZL-R[_`(Z%GV+/-NROUY]L
M9L-#L.S,Z7(U_P!?''SAF]7^V7N%80ENK0"^E:P-2X7K-LT&!%`P8_(O94:L
M2.1)_P`B6>NK"J;13L_TN]F@L;6A4"QSM"C6F%5:U%D6/08"(]BH[$*J+8ZR
MR<!F)`K1L\L=>=5"ED4SA:!A$@XRT[-E(0Q"[D;)UGU^VJK>N>M5N;T%<MCT
MFQ5N:>DG;@;L$2P5J'!H@*R#HA2Q-<@P#*ZV*+\%M/14B%$WFG9S*VGI254E
M55/L:SL^@^QL5(*:;B55&[<#0A+&F.7TO(L-./->KFHXP$NZ3K8.`DK.IMFL
M(97.QH4=UR(PMYAM*VD,+A=RKY?XS;?U)]=;ADIPO9[LZ;5R3G-=JE5"G[JW
M9WZ0M>EZ]<KA71,$'%'5&#75QK&!1`=89<E_C1$1G'.-QFT^4S)U*6UGTNT&
MW5152JOW5@A:-.WX<3L=4M=<!U^O8;LVS572R@PV!+48Z4+39<.GPG6&`3@F
M<P1C<8Z0:B2)#O!5)(X/9'%]PU[<=8KV9V8TU2!--QZ^E*^^7,!A=DO1BXB`
M-]SZ/.)PWJI(&G,,S)"?Q/J[%;(%E?FI81-4]T$TE4P@3U"]BI^C!/[<5_)S
ML8#R.MV"=+TN9RP:)7,_MGK\>']O/*\&'D;!=8`FD6F(5D.36A,[A%+,:+QF
M;/6I_.-R^Y:M8Q+7JCA]9`'`;Y-^A>UE%TL6#0=8MU]M69P+U7)Q(MH=@CM#
MQ-IT$3/FD#G9$9II4Z.,A*=1_(K?^HC:K]B+;9Z=:+;ZSIX:BH_K=DTK1]N%
MA[-4[;7*V*JV2[Y1:+5;RNW!SM"M"R[4V54TS'(H9N$9[,BL=8(QDOR7."J7
MB1&9Z6Z()+ZR?KH"Z31\",+J7KO5V?8./1#])EQKALUO?T@9>J-3`A0)7HD[
M6'&HXXJ[9"ST)Z6S*Z\TAB,\&XMQG$]L.9%M`XRPDW:K=N&564\!EE.4*)L-
M<RNH891M43R:(2YRM#MKG9B:?B-.)0Q*@3([<KC;$E[[1*JOD1VL^EEMYZ\^
MT>>V\=5B=X]@LM`U5Q^5:3YMB41"9ARJ`!%CLA"-PG.C4^3QD>R1ZVJ1-CQ$
MR74?>OJ."[M4_`K^T>GWL5>3OL-"-,T^!1-)'7.OP*O#NY*/4[-!>SSV=I-+
MF3040*LC%6H7H5+:*.$9<YY<T9(6PVW$A0&EAN5/,S\'T7L$HJ/-2*G5@D$W
MLX;5+55G;M82D:+'J^[XS?*)%XRTGH>28HV?UJQ0(SD=#3?SS%)XM29+CJ0W
M%G^M6'^P-8T,%==@0(89K5!?S^,RQH)*[3Y[L+.,"J#ME9=F!AZ![5MLF:ER
M#C7W*?XV^PZ_WLAYUMD1M4HC61KTP]J9?\7%59"H`&#I^K5S/6Q^GQ46\"9-
MQ;@J':M>L<8-UJVGM-79&81HF!1%FN1AD60\A$I;[B!K<BUK3Z@^QOYMF!9I
MH46CTP0TPC&E-:'>53*L[=\HM@S4_P":Y\$J:^Q%U.*"EAW.2)+\:+(F.M_&
M\VA+@FY=^I+<*];]2J?L0+TTN'*9QG,"C-BZKFU?TR%:P%+8Z&=#G<^L"YPK
MA>T#BUM4Y:XLR,\TA4V2GLGB'6?C<$;5*%/L^G7LI:B&GE+I)`B'RLF\6NH"
MZWIEC%UJ-KTFE7P/6+^&&@QT"6.'HL9$',9Z7D%";3T'DEWOR,QVD#6Y%EYW
MZK:Z)C>W+=B%UYJP[%BAC,QUT>OYFPRM-N$FS;^7B74\+EC/AHPWH73!$3D9
MCKRV?QW8Z6_QHD13HE5I]2K[SZ:>U9&P7VP@[J,FP[2*)!(==<O9D:J"TC>]
M<TELNW+4(D12K]AQVVHH78!!+L,5%,NNQ%-(8DHE@I1,L+]-?9<78J+P5I9M
M&?#HU%%FPUITXR_:6ZQ?HXD5[$AYBZX-:KTPC6`V3U1-2<C]2TVLF62E;'W+
M=E!N1##_`*:^U94&[7E')W\1,@XK)T.?'U)J9H-TLU3QNP9R7:SZSF0ZH(&C
M4^TSQMF'03;+LINP0GYL9[ZN--<#<C8[V%]8KM<-7CZ-6JB*OD=W*<OHUN:)
MWV73+!>P.?:<6M=ASHL1@P4Q^#[K&L3)#CW_``B/20JX<I+;$OBN")Z4.O?O
M63V!+9_ZRS:W;*S)W3U^RNPBX5QLAPU,C?[#LS67U<HXX9=%RCAL8]0(=EBK
MG/H1*E2>Q77D?<ZXIL$U5^!)?5+U@M7KA:R4?^,%$*9_"2*'4)$>XEE*I]+A
M:?MU]BNM5:1`X'=*V6-:J\V0<8^&0M]E?77G41FDJ!RK]3?[P9'@#P!X`\`>
M`/`'@#P#QYA^\V[VR9I3U&C4A5>H;ESNS$NP9R9</3JM5:>>LK>8E@M<U4JU
M4;RLE7^0Y;TZ1_)06Y?/R`[$E*65#>U+J7CZR:_IFO[)[`RB]IKRB`K+Z'!$
M4*"%LT$5D%M8U3V5!JJEW9G6"=&.W5L<!%/%9,5L5(D1_A[^.W&5"<6(TDE^
M/`UM?_8;[$D*^9GPLOK-<XQVJF7CIJO%V!U.H=@N56PLM8K`JVW>BUOL^N;;
M6;[(6F88%PDUZ*+??=;;4[)?&ML3,3/;7;-+O(C-FOXJLEXC.0&S2*G`5*?J
M>A0;1BT>RP&I`F_F9E]RBU/:1)>&RIT,''-#H'UB+FQ?EE=$VI:EC>G6Q;A9
MKD)?NMZ!:54=4;".RR4.GEPCPZV`_4_UFN!@V!G(M9>NB*\6LUB*Q9(1B$VV
MP51(>3(^53\?@222\_\`&=='M_M1G7#.?5(GE5@:1NUFS(L.&4:VS3>/@JCK
M$&H"T763V\QX1JS:W4')TL2]U`N'"?'+=^*8QQU*(-JI]B@;O[J;=>,P+AI-
MPH%,9L%4'F&]#K5,O<![N@%X.;SRGJ=75-W3A`;M--5;B'Y)3BW9'&A_$."&
MG69WQ4NU5-@@ONS>+E<*52&;%F&=,S259KNBWD_5+(<#4G1I<W56W<?F1G;;
M7((J\6SM,@L0N3)OUB.)D-*:?DRX3:1-I,_3WV.TW0[76\\TZY4Z]$IF`5R_
M<+TNKPAA)JTPYP<3H</48,*XDG\WLHRQFN0!PIT4U%*L0Y,AB7^1&FP(@DDE
MT*6*>\NZG;7J`'-XM)Z,J!JUEAY*U9R:E&((2FT?V.L$ZAV"MUK5)<@39)Y[
M#Q["))!T>21!,]>6(:4]"3T7:J:EW>L>V7[7?8[5.6XX*C1@.>.0>9:'&V(<
M]F$\1MVHU:#!ND@B9(BS5NL=5KH\IR2S$'._B2TJ2RN&Y$=6(TDC7%OWZ]C'
MWH0\97<M,D0U9U,M9R3:!S-&NEFID:QS25;Q6R-:Q(FZ*-S\9%&37%B(94L6
M1-7%G0@$J/(XT-;43:\^UGL."GS:V_2X%TMF1RA5D-.T\!H]/&Z(_?\`(+?H
M65C00D?9S+LR#&75#0XV.??+H7+CPU);2^MGG1%%?8PQ7W6WQH];0U-MGKI=
MZS5\MA6Z'J91X!G=:N\8BQ^=/OU*'V/;URYH^M&>.U;^,?4V*X:8^XB?']5V
M.D-J\S;+4MD5<_4A>F4*TV@1'(JR=J]68`!F@KS1:8;NM#8V@IVOJ2:)TZST
M[-S!64^GG9,D*XPIU*UN1^*Z(EZJ,U@J_ML:S/EDK(.U]T.@&]%0-]:K;?YE
MFMU@TNNR=0RZI6\<`N+\M1/00M)=M-A3#*/.RW^P8#$AZ3(BM_*X+2OU+GUG
MV*W/.?4K$=3C0Z)/TW2E45%N.3PB:UF]&7<J2?N+4HD/N&EUN,#!\/PA];Y)
M*62/\;Y%#_?D?^.&X(DG*G8INR>W/M55';/92PW*?ZZ'BVHBBI1*!=Y,V!P9
MH6IYC`'R;ZU?5P2\8?)I$4R_.8$,IG1W5-,MLMNMR$B[41(;[;ZR0.BKB[I.
M<-U.:-'4UW>X]2MG_M^'!3<:I7.=?Y%(?OR?EFU^VD7J%^0Y8&V_Y#Z..K;6
MEV'P-JZ'`9]__9Y0J%$@YA0:E98,_/QEPG7:-+!52OG=8R^S;5G80B5N=\H(
MP1#F!18VN$Y,B=^5$+DN\9BO3.,CW!=L2:53W;WPA:8CMV`9G3Z>Y[&A\G,U
MB$\&/;,%00MUUIC-0@T.-J2C!V4OH@&6E%W8@\DT))RYL0!+@Q.2/!-J^Y>G
ML-[)WW--+L]3$V+/J4,`T7,S@5BZU,X=(W!J_P"AD*?H>C#YT&V5V.JG>N%9
MB-GCP^,S(DNQ5]5*DCHZV'UB)5536ZU^V?M05S+2;/636>A88JJZ"`J%I$9/
M9BLHR6KV3;;H]=W,(V8NTD2[3K5'RH<\."NQI*?Q3OWJGO\`QL<?%I&IG/\`
MW5^P(*7>I-9B52UU:JG[%%B-.5;0+(5OQ*T6WVD@@#]=/.7J='#U:$G'0LJ,
M+AQIK#L4JN/&=C-=B*X%%W)'4?=W3M&]@*91Z(.S4KE9VZDQ<2X/388V-?ZX
M/4.AV)-#-FKP*>,62A?,J>\P(%'OY%J0VVM,%I"I:PVJFO4YO8+V=VC'M?UX
M+"OF?C*E#C9S.J$>\YX2(0*?&>R?7+:^Q(G@+6#+V=[7]#H$:O#W5_&B'*<7
M&C(DS5QV'`231,/9?=-%SFR^N=Q"D!M.,6+*=0*3LIM8JP&^:%<WC?KVX)Q\
M/_$&0<,?H\]18A$%SGVISL=7)'6H;J%/\X$4G5$@]<?9O3]!RC<M0U.M`A$?
M.N'2HRO4R-"L-U!]!5\B7L6?V>C`[U9"[]PJLN`EAIJ6Z")%U/\`.='0?^"G
M!&E5)&$H?M!JER]0=4V-F3E3%ZHUJM->"60T0"@<W-APIH.VQ87)R-!*4U,U
MX(4<;C)1:OX6449;0X1C,...LBM+=3L537O?:^2[,-GE.5")09T^KKLX^Q4B
MTTRXY#0)UQPT(+TW3'I]GFCQ`[5J[IY(B.9>8C1A:8"$\DSTQ2#B0V_F<U)]
MRMSM`G/;189&9T:JW\]7H`LB2SZY):E3VL-S'56<]8(E+N-B1;EL]BT"6-`/
M26VVQ[`1QKX"$^0A#0.*+.R3VDVRW>G^H[[8ZI1Y-VK4,F5JX.M+03B06FZ=
M5SI,9>JY5;K>"PTKG-D+DH9`?^?',28`M#CT6!+?6PT(TMU#K>KM\T37?8.U
M7:V6X-:*M7L614J:0J("Q`Z-<NL;SK(.3JM7;F70^'XS=@5)&(=0AN;]W8B'
M8LW\1:$NBM45/,]'O!@\:9N\;EF^[[27)6WH6CE[W::54S&C6`S<<Q##XFOX
M)22EW*TOD>G,9D+Q"L7.8^IN,>Y%M39K\J9)AH%NKX.2BH1(7[Y[:$;OMJ:Y
M0K00LY2JSG<V2-LG3&65Z3CF%*?WU"[)?:\+8]?)T\S*(H@2EB6^.STK?.-K
M_+4@-JZ&QV>^Q?L3=+=B\JWV+&L^J1W8:KG%E"!`'+<FZ?SOJ\9USZA=(BZB
M5J49JQ6QV&V'2)Z4XWU/(ZI<]7W\=$:5-#]V_8]LI6[7&.'=D+R2MW?U;D'9
M4,L8?L8H483?9UR"5>B#:23:ML.SQP\9$SG\Q"D?7Z(:;4K[?O!)4\RM:;[U
M[9<`)(ZA_&1%9!$((LQ?IU>FSP3$"UZ5C-3&WR:NK;/9J@'KN>5G4)TX[&38
MI_'9`G[')HU')?8PKBD1W&O:/>(=7K3HPA6KK'_@G[S<+#9(&B6'^Z"A9#U_
M$J&YWR7;XC%+;/-:Y.D1I#Z"3;:8+*G&)"U/N]$:53;/UC]C=(W5C7X3Y'*"
M%DJM-H%A`"ZT+LD!5"N5^&W>1+RG56R%H+.S+-GQ6N1HA)R-_%/+4IW[XL5?
MVH2(TE]#5(;[B>P7L#,K-<J(4'EC[^A9'<1=BF5^\3V?]<V;0:OF@N'91;%C
MKBR\PAI5/T9F</3*B-.B1([JE-\?<=<&MJ1?'K3[@Z5L^G52K6<)1Q4:RTIT
MT5HX8;8V+Y2$0LWR.Z0=%-D"1J3#>SZ_FM"FC13*AT9:.Q&>)F2WDSFHXRXT
M16MG]I-AQ67KT8N9K,X18-"V965%+'6R,U-,G5;7:I5(@2[G[1K%`J':D=@V
MA_\``>5/`L">Q6&&_P"1?DM,=%HF;'^J/LW:MUF:)$MHZM0BX"IY->PM:I2>
M%(XRNZ53734899+5VSDG&K[PV/F,RP9`4`G"F6V'/LFQI3$U8DHT-6J=[3[*
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M&BO9`'&L6$XGL,JMX?,;2K\!O_RNC*C55,9Z[^UET]@-6BA`;^;OYF.JA`P<
M-@!YXQ/,'HV:>N1]P&#L";)P`/2$N6OF(T[JX\UWB13<3[6Y")+J0:27F02S
M;84I=R]F+58-(DQ=BSZZ0:_G>-V>T$QN>U_#BT;/!S.SRLR#S1$K0ZH"CV(E
M8SAWCCKD5<&4.3-@IB*2T+3HET('/]W]FCP4E)MO]<Z7457!C/A>FVRI79VG
M6Q]L5[*G(>D!'6=.&0^530H.(B.`X*)LGO/YU;B9\Q*8G)`;5YF2K_N[NEIL
M54!QZ_F]?+V^SCQ=GHD^J7@Y=O7X;#N%:#.MZ1%A6H6Y8#>J5<I.+5=*(H5#
M:(?_`*"+?''$AM15#?["]N+P95_`RJ#)J02%JL8>!531<=R].<#>JUJJ9F9-
M:VPV,K1/):QLM@(V`5P]Q;P^OR_SU"769"X`NU&XN@:SI93U/S30;&7@YVY;
M[;G4#8[YF!H,;ATS*S5R0,LUZJUB"&+P$"CBH3D94DC'(E&ZU!(2)29R^P?S
M>#*2K0ULKON?JJ(P&HY,*I1V0TV7`4FKW>ZVW9;=M4YBY[[7B-XH6O,E*[VT
M9[27,G@R)4MT;,<<@%>)?DQ5)AKEB[5U9^.>_P#OMG+29-!H.<P:H?SF+I6;
M.7AJ0//'J->R-O3F]_<K3NDA;T>B#X0@0T:%"@3J&EDWG7B<#L9N._!M7<E&
MF>Z.XY4!T*79>Y>J<S.T&)FT]FAFA8)J5F>IZ_171E\(VW9ZR!8Y>@>7HF0Y
M22<%<>?-1`B12LF1$0Y0HI]#O2?<K;HO!A`^YCM"J-_LA,:'NUDJ=T6`Q&N@
M;^FGR+%JDN3>@D2U-V)<N+#B.MNUF'!)3&.ON.,*7Q(;47SZH>QFD[<0VR3?
M*Y4P0"A6*4*KT2NSQ4JWP5#+7H5?GB+96!EZN=A8D20E3%EX$J=``.STEW&F
M(+C,9N7)$DDOJ:G4?]@&V7UV<0K03.RU7KA>8;FS%5$LV9MM-E%/59@/5H,.
MNZW<0U%N\*)[`$T3G)D\F]%DB&6I0R*]R8RU"N*1>/J;MM\UPO[%VVRW&N'G
M8M#QHO`K5,CV"&'RRPEZ;<C-CS<G%,G#R.W^HD^MPS;[/X3CS[#7SP8CJ>LI
MHDJ42-1<W]N?8//0E=K%^O@]1T!@WKP^?UK;*Z3=H$QFYT3V.U2M7XQ&`3J2
MF5=-/9I`JESU-3XZ&K%">6W'>==AQ)(NV+Z%PR/;[V8)#BAXM6*`!J))DQ'_
M`*9&JVB#M*K[,K03^31Q<J[-7=B%'L`>?&;*/RV!+"N?"J,VTVI?);3L3:ON
M<9+W7VBC4R60/M4"!&-!#L;,ITVKGI7`)2D7.NU%+.J6B\;#2P)-%S@DWGN$
M7B03D26RTTA).3+:84&U5,74/:SV&M%H&K8-4EZP7&T"!=<"SZK:^!<GJNF*
M]%I$2);JN$NP==^(C(&VG)8HC/Z,D+[%4A"VX[LE/(5Q5/+_`"EJ^OON=I6K
M:_FM%MK.85U-TKQ9XEG\859XFCL<`Y)G%^[IPN60L\F)S.[+9KG.%18[XU2V
M>C^)3/D2$RFV*1Q253TX\&!X`\`>`/`'@#P!X`\`TE<]_,)C./JGPM-&C&X,
MFRL6"?GAE@!/SF)7-#MK^L027U4AW.TU[+C$GDM7$R>\9:1R/UR3'0X-;68T
MK^PC$852&V@:+NYUXX#U><#KPZ%6^F2%FQX-;SMHH2$*L_8ZK&[`H\]3#[*W
MQ'.);^68WU]CC@;63;3/<&F9F'=?F4723ML9P<K["2,_#B@"++"IPI#:'8$M
MPI9!X=T]P@M49UF')F-Q%M_=(6TV[&4^"C7\S`%O??!J\9'@K-R\5HB1L5MK
M3;!VK=@K3*IEB;HY:<VRJ>J21$/:*M5>C2(2)29!-EWJ>?B-.2DAM9]PO>W(
M)[8!+%9UY),T2`CYP![.I[)RHMW$A0!M&*W*$N5Q((5=I6H@OP'.K<6E$Q:Y
M*(Z8DWL8-K(3ZN^V%-O]J73X.177*!VE+K^B4]9L(I4>?:=8S=S=+*$M9F`8
M,AXEVG1%$RC;,5:XBH+/%J<;==;94#3+%H?NGG=T+5@#.IVG4LM9;#.K:T62
MLQ7!E<(/7J_9_2$6@T#*EQPQ6EG,V*I#I2MWOU:0F5^,I^-Q\'&A(8OM[D,F
MZ/4=7]PB$';*?JU>)S:K/8`7.?3YMI#7654BGW*22&TZR4^8,GO+0S]LOK/6
MN.L2&7EAM8%^W&8FZ-9=!#BM`(`0-MJ="&(:I\IDG>;I=45[@&NT6#,D1E&I
M+DVT0XK\AQ4>%%D==^5]"([ZVQ-KK0@<SW^PZ.$*6&&'U@T+"Q/S2+@;-C,J
M0Q''9^SIMUZF$ZJ/,>>S.J3(RK`TAM3L*9+9AMI>E.<9\%VLR5L]ZL5IQRWU
M@C!OY"QTDZD08"5VL,V(A_'_`-5T*ZR+6EH06E)AUV'7,J/2'.3%12'_`(24
MIBJ5*A\D!M?4[K?N)2HLY8V?7+@3Z]"VLX,/UH/&74Y@3%KX0I-@;?+6(L!=
M$D8TOD%EU^<S%$KES6TM3%H5Q?@;60&!^P7,3$KI.#7[?"H$=FLS8UP)`W9:
M+RU<,IL.CB`V>C:_(+SYUHC3`B1C\:>W#9>EK^R*Z^I37WAM_,LVG^Y.376^
MU_.!PW0H%C-2?X8ATU3I8\74+EV3I\--`MI3LAV+!MRY..6'B6H_947J8;:_
MG^.9"7($VM*I@8/OOZY$;'=JO%L1ETC1W[/'FN,@WI40N_5)=E%SHX-Z$])7
M(G$#M+,P($5],:7.?%O+::5'7'??%VLQ(7]A?KS9'FVZX[>;`QPK*CD"`2HO
ME1P*LQY%(88T,]+@RWT"Z213H0QQAQSZ$.H<<^^(A;+B4AM9/==]PL@Q&VDJ
M5?'+#$-PZDS;H*84$9*8.QWSP&N('#E*,L/0922=FA\<EDFX`AIM:UKFI2Q(
MZT"BWT.QLGL!D-4;D4#30MLFA;318LR]\C5B<3K]4JNAO%JA6X%])CG^H$N:
M`=@S0T!#"G^KF-+XXIEK[7NB)/JC*4;V(S&RW<'D-+@6R43Y6>EFW&JU.:KH
M"O#J3F=PB++FI3B&(BI`35@;,9KZN/O27G4<3WD=]:`HZ591F8^W_KU)GW<K
M4Z1K8&=<F)NJ&2MLIY0,BZS8^>52P"^#BUM.IA1'R66\@3AT5UZ`/BCHZOO_
M`!5I4A0NUDK!^^V#6!T"[!Y?4@;`Q5_Q+B_3)J:<R5M42&38K\D^R^]&Z5#A
M'WYY%;7'842%!D.*D=YQOCJHVL[^H^X=1J6:/W"E5^UW0X5QS3=CJXV/6Y_\
M;#J5`#RY,>VW>3UV,\#J1LM^*Q%4U\T^:W)^2/'6AMY;0*+[G%*]X\<"#*S/
MML*\U)X\2N]?GC#];8@&JS:*"&D'B]>-`.%I!IPA.%L)?B?Q[,]GXWV>ON,?
M(GP-K.%GWKQKK8I4P)J8A;Y(1`M<<IGY&/(R^-93=9!5,WI3;;[W*X#M,BWP
M7HCZ.R.IBK<=?2RF/(^(-K,KCGNSB&[VFOTW.I5B)G3PVQ&E1Y0N%":#!0,&
MN%&2920LJIIULZ+MXN1&9@]F2HZ)S29S4-SJD)$<6NIT0?O#DA^URJE&K>L0
MI3+ED9AEC%`F"J\8<KS.IN-\$EYDQIE]%B<Q"V-C5KXVV]T(XMQ334B"Y*%V
MLDV5>W^,;&2`A*>0-K.V`A.&Q1,T3SY6'A,>]=,R72`Z42"2A`@KG)0:]/B2
MI,%1%MMIIYSCS2U"--%44#W[STKD-&T31:Y<*25/2,T$6,5)`)@QAA'304`M
M7K"'06+,SSM),NRUH@N14R2CJ6EJ5#3Q"^\%VNNA+7/?3UU:LM"J:K`9X7T.
M53X8E#@1V,T/>O"*2V&085+?CN,2&"^D@1TV.PB1*@S"2?F:0RS*>8E1M8M'
MNE1:3;SU)+5?0K4;'W*14XC&;4@U9&F)+DRK`0(\[.F\$P(1JQVRT,08B6G'
M8O?D2ZX\VRW(<9HVMG2C^_>$SG^L"H>DE>D5!X5(=B4(FTQIUB-1,\G1ZCG[
MI!V$DK88L35`CDE,C\.,PA]]2GOM@S^Q@VLZ<[]AGKI`K%AMZYUL6$K<RI!Y
MBW`#0Z?(LMKJ!._JJT829)C"C9JN4P+-G$?R&6(O.PI$:,])FLN1DAM?0FF6
M^TX/8]HFT*BABLR@1LX,W$9HY`1/&A[B2"7YJBD6J7,?7\1@*,(LRV)+KC3#
MJ9#*%-I<CNM.K$:HJLVQ\$-34^QQ'LS4+24I8V+A^=W,AD[)UDN:.ZC?--BG
M0%+;#U7,1%0EP'A1B_'%5^#U\PB9+FM?+V.W&<0XH6GYD8E>^V!QR#,%4+4I
M#G8SG#,R-DMSDP:O+'PBQ:T@;7,0+ZV'-48-7R<PU%<^JH+(][G?N=4RV\+M
M9UBOO=C+;=M'"85QBS:P+MTP<8N&=WFO9X0D4^)I#["V;1'KA1;HTM(QRSHA
M/1(LEQ_@)]3;?>.P^R0VLQ,?]A65LS+`Q9\]V.F0P2+"TT4L-/AMPSIL)N=C
MP0?60G8AF2Y)/66T5I^5"0YQIGD#BG'G6NM.<2&U]BXLA]K\'W6V$Z+F5H_L
M1"!58=L9<2*F11!FORH]>>(.B9,IEKDE0'MO%LD&G$-*8?G(;^BE)>XV(TUJ
M165[OX=#,DJ^_P`OBC0.V&ZM8Q\.B&RCM98KK-=E&+;8W!34U@-4(,*TPWG)
M3ZT.H2M2%,\=0IO@NUF+]:;QF!S0=RC9C5+K'#-!,YO,J_W:1H9LYIG+(8UD
M#$GU@I?B1HB6SH=$H'_U#Y"=1#^LJ1UJ.WQ?%N@ZTU,,9]^\B6*"RZE&LQB<
MY?:C5[JS+K!5(_+@Q?4*K0C1_12X[DT;6H_()YZ0,6IUUN6]'ZA74<0]UH-K
M,'7OV*XBY93HZ\\-Y["D7,#7Z9(M%7.`RTRHE:+D=CBWJW0"49AVO5B;9]B@
M#H3_`'[^*_)0IQ#?Q3>QPVLS:?<I)K&O:+8@-!-(#83^)+JPFV`+"`/7,3)R
M2@ZC&)OU^3!46;:*<N'404QVW''VT-IZE,CY&D!MU2\27@?<C+#%T!5".R:9
M+70T"JP.N.5L["ND6ZNG-=K]M&W`9/&P@P6/5.8Y/6MQ!"4^ZU'=4EKX_P`9
M4@-K)UH'LSD67%RU=LT\RBRCRM?%IKH>K&BQHX5MX>>4JS(&$/A.J,]L4L8H
M9&>;[UKI=3<1:T.K3SP2C9!17N3EDXJD<RR>?Y*<;2R'&U*TKM53C!E$(NDE
M=,#S`L"'20^9F8/89:0J4_QB2I+?TZZXTAP7:R:YU[+Y+JF66G7Z&\7-5:FR
MR*#49L$[$.M3&*^*M3*FALM3'.K-5*S0"+#BG$<_$GHZ_P!:7QY#8C33H5S$
M]\O7DA&;*1I=V?$\KD0XP>:SVS2`SI<H#DGAM`@%(\%Z+/T0H-A2/@&1E.J>
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M@V^5`:%RQYDWDMDACW^*^R2Z*6I'_:>BN/AM=*G6L_N+EU)M.AU:W5?2A#F:
MVJ0((EF:)/-")P4=GE1TBZZ..>"*(2&Z+0P5^@I-3GVF5L.RFTH;=^9'.AM9
MQ;[[5P\0M0"BP<XO%M*%!>?6-)"OU]PG7.5ZT[OFV*S@D!T?)[/?NJ>7],L?
M#Y'_`!G>M(2X\VE?>\!*JJ9S,O;O!=6OHG-:.?E2K3/IB+5`B2@,X4TQ%X'J
MU@)5EU<MEE<*S@P5N$RIL!:$]9;E)3]RG&GD-".+2JS#B?='&3EXE4B(-TM)
M>&5L8".5FYA:X5?(SP<K2H#L8.>ECVHD]!TQBUGB#^MJ^DU\*OJ?^V]#<D"[
M61UKW^]=94.//_)O#@Y(N>6-$&:`?)BZI)%E-(%H#6(H*C$!D<_,+Y$>:B,1
MW9/SJA)6A7V/QUNAM99]W]DL\J]`BZ5TE$D47M\M-(,%Y<"P.MNM4CMSCW&0
M`BB`9A\ZN+)H\Y$;O4M0YJ6N]0_W[FN."4=:%<PO>G&)*9*&:QL\<\Z8B@1]
M5DXW<X=KLUA404'F"@8IX>VLE*`/<C\(.*6B/#:E,J6YQ/W_`!B[7Y':C>]7
MKW-^+H.9=#T0I_`-U.>"SNU38%]+V,S1`K@"F/(&H_F#P(QIP5LNRKC7\>N8
MYUY7/PYWXP;68V/[YXL/JE>MET"Z-F\&SA]3/#85HIK_`$FXSE';M-L<1`T#
M),39A8B(H).?#9CMO=?;0VA2DR'V&G0VNM"QLQ]FZ=KFBS\WKU/T6#*$TA=S
M*&;/55`PPD@/T.TYT3I)/DR5^?#N0D_3Y#RF?@4PY%ZAYIY?/!&J%(.?L3Q8
M7;S\*S(L=>HB1.?$*-;"=2/P7+S"M$W5%62[!HLR,UR=E]>!T"/.27:^O742
MU<XUU764N#6QT\R;$?=C*HDT.^[!L_:O8W)XVGS9-2L44GHAA-[HE&`S\]C2
MQC(<S3C)FY)2R3DS87'U):7&;?9=X]P3:SYG^\F(U?\`L']QG&87:T]H35A-
M5^G7([6Q<NBD]+Y#JLXJFOQ9*KX<KN7%)<88VPYUYQCC;#CO),!4L-K.7,M)
MP#6-X4:K8C0Y.QB:0=65C6_^[18.9"F;;.H!87VHV$VY5:A83QZA2&'G1$'Y
M934+JWW^)DM]D`TTO(W+\&1X`\`>`/`'@#P!X`\`\_\`-O1>GB36BD-0FQK8
M!L`E[.J=0QY^]+J])R^6!T:LR:E%[8+,0G1HQD%K!".F!'4S%'-\9_&[U?.+
MX-.7@6`[Z08C-)!2YER_GIXBL2*G)?)WPWQ-C&K$Z17X#MF9'.#V"L\*"UP_
M%B._:C[$SN.KXY(8CO-!N9FK[ZY8YI#U&J-]M%I/SJEG5NK-9!S-!D1C$D;.
MJ4G-;5?'683D0L0M,2NWA<.033WXFGB+*W4?-R*I`B;1V)GJCCLLB`+N]LJ"
MP1B^B9A)NU3$S+4/U(].M]O#VMQ75<)1REI,/$F4M\8=C/O+XPIMEUQI8;F5
MAHOIC7K!=:!9*(78I8X9=,]L&A3^G+E),V@=EIK()]6J#<.+88E:)"93N,"X
MKK9%A[\9UQ]]M*UR)+3XJEH6Y2O6W',F2$+AV3G%T$A$L(F::M!@N\+2#S8S
ME8:*YR1(7^0."9R7=&Q67$K[\;;2U=6\CCG1*MD%I6`>N,^PY]HU=.V&9)-Q
MG=AJ-?)7TZT.L8=VRG-!KIZ;2B$J/()!\XLFPS9(KDACJ1#QAIMWZ]:A)8%J
M^AE3GIEBALE82CDB_BRIHY/L`F8$T>SB9-`GV8\9LMP3G"H\_G]0BWX^?(2"
MS<?GTE+DJ2G[$-,):#<R7,>L^1C\OD9*)CG0M9[905I'SAML,-6<!<JY)`S:
MW8`ED?EODH1@5.KT)UO[E+;=ZCJ7D.MNNH6)5UJ4+K7HM4+!FG,SR$ES/))2
M:69,VN;9;Y.LT(+9<R%Y1<I8R2,LPZ49)':R+@N3XQ%UR&1G(Y*?ZF3WCW@J
MDZU9)2'J)ZR9D&O^A&8MI8KL,!>#QU<FW6HF-KE6GUW8$VR-7A$*0ZY&A='[
M/:9'&V6W9*GYR>I4KL>*EH-TGH9R5Z3XH1F'R<6?HD&-:H8],P<-T`U_"M31
M&FF]FKYT5"E+EMC2@33;#(+L=9ZF.Y(ZA+[3S2$M\#<R*D?53U:`E*GF1-RW
MHG6FN38U8#OW>Y2EO/9]5["#FW+^83+<?@7(6#O3GT)/2FWUOQX[S?U?C<7P
M*OJ6Q4O5C&:,2&G1T(Y)L`D^+NTNP'+89)%C-K%*U-WMKL;\F7QH@2(2=AL#
MLI2D)8<5)0GB$MQHZ&Q*ME>VK!?5VAIB-6V=.ACG]SHFW5BHOVLJZP#TJ=IS
M`P,7KP(6[PLFJF--U!*23#WY`E*R?&WN-1$H;0+5O\B9U_U$Q.N@7*F/@V!Z
MNMC+$$#AI5I*/QZU5+28HQN56`*D/-2HX&(0S@7^'QU;[T=ME;:7?L6I/@E7
MU/BZ^H^27.]VO1)TZ\A;3>1\\85=`78F,'+E%JM7:8:*0P;G9(GI@O2::/&/
M]<9=:_"BJXAM"WI*WA=SI3L<]@]6\((L4N05ADX-7H%%JM+0!1=CT&G6*BYG
MU\M0!]]A+*?CVJ!GI!]XD/?F.*6Q)=<=<6YQ7>>`F^W4^<&PS%LXGD++G!*V
M6(JIM8&3:K9;;/:W"T,I4\Q7":%ECKJAYL0Q3J/7F8D@?UV*VU$6A+G7OROJ
M(VWU.@7],<$*AH(-\*=B-#V:PP%EP[:<8(BYE)J%<I]4(P'W)CJ7"0(-3H#C
M?74/-N/QOE>0Y]SG%!N93UR]:?7B3E>N9/43\>N%JJ&*U\[:-"L]LGBZN5U7
M*C6;.G#Q:>:%]-S9%'NTM2.)G)^A%QM2EMO)YU(M76I?MH]6<FN(>G@YG+..
MB4G-2F,(Y6+85`*/9<=`C@Q6B6Y`Y]#1L+*C#HLAOCJ>2(TAOCD=UKCKW'1*
MLIJV^O/J7;9NIZH8D6AIBEDK<O6EB[3<X`N9/!5MRQDOY,5$<XX:9K06SR),
M1$'BF.N35_5+KC;7&A:R6ACK5ZDTG5K34KGGQ3M>I4BY@"NL-D'=&C$]"A9@
M?I+HJGR@4TN'KYBIRI.:QF4N38C[+3;\B7$Z\F6O[PW-=2[:?ZH993I.4.CB
M%W)0L7GES&<!C5PFDA(::4K\ZHQ9BV>H;D$W`53+2!T-4AUWO8[_`%4CK[W$
M.I$W,Z5C].O7^WAY80U7B4L:8A*BN-M6P^PIUGK.T?&['>8(H7\C'^_[*XA2
M>]Y]TEGO>=Y&9X@-S.EF'JE4\OV2)I(:<]+:KN76JA`^&")@Y;IT_4=9):_I
M%DMALD1=BS5D;3\?1C;$5G\%MZ:TA7([C;#0KE54.N:]'\`-L5>(L9:QO*C7
MZU5!ZPUYL@Z3)J57'A1HVN$WV9_7I0N0BLCUR>_5#\ER&GBW.H6\AT-S/BM^
MNOKJ'T]+M-X:K^@T6RGMA*+%GS243D>Q%T(60B.)ODOS!I*K6&U9O]T4;&4G
M^,9&-1X_X\9SXG0JVM2QW?6_))-I+V]8>>L\5N`6[$GTGR_Q*LH`\!M8N1^(
MF9\##;14!#=4SQ/&UH3U*D]0OO.B5?0H*G?KZR>O.6E1,U=I[;MB@E,N2/N-
ME'*QZ(&$9<-#3:7UPE+1!N*'LG%N2R?V]_-0VIMQKJ),U,D7<R62?1#`Y$D9
M/3'NT8K6@E;`4<PU=C#I2A0JZJ8XZY6)<U<M79EFD%)KQ9V?R<J:]/DK[]JG
MW.J#<RU<_P#77.,SO]DT:KIM"#=CA&1W\<2MAPK6*_!LEJD7JS1ZM6YLMT4"
M38KK-D$Y:FF_O7(?4E*DLI;:0)5O0O;P0TYBXSBVGVW<6JQ:--'-.W48SHU=
MKYP\!HP_:P;='NHK1*CR>+_#9T.M20@66])$25#?Y%GO9D=V6J5]PU5JAFA_
MIIB(\=,@<@V>:HJS9.&R1"UEI94X2N--/TBW'BLU3O%2#EC'6B?)E/\`.)YV
M?)4\A*/HA*0W,A)##_52PB_ZS)EF'H9VZ'\>;9:,V=EY^ZQ!?L#+-5U#_&.*
M:D1QNQVY?Y'>\C=XIG[7.]88YX%9(S5P],\.(Q+`7L)>W"H/)=IMD@A(MD1D
M95Y9+3W-O4;C<,#Y0N+'J-YD$YD/\Q#\5F(5FQI"7HBT--!N9-,.RK(:A9]*
MM^6%RLQXV?=!76`\Y'6'8NH:(*8L!*)Q86#.22,<C1GI?PR7!BW^J<CM-*<=
MZH1M]S7F5@/IEZ^&`-%M-M.`2^J"35,J(ZS6PT^WVN3%9[2^`X4V+"0,"#H4
MAJOC(DL@XA^5/EMI<D29LI2G!:R9L?2O5[,:,.TH+`=N14%J%6C4(N$/W`P1
M'`,_'N7=P71Z6A#T9^L5\3S0RJ(_P.?E(0^CG7E?"U]@E645-],?6?/&ZA!/
M6#166;7>JT$DQ)MR+*AZI8(<X+8Z54[M`"CHX^6`!RZ*AV%$;:@0FT]?;<^Y
M$A:%PNYLS8STG]?:E:*O)D3M#-6PC++QFREI/S;?)LM88IU(KDJ@GYA0,1'0
M:?$K&:B$,H1^!,4[&<6F4MZ9,[(HW,LZI^J685/-M$RQ,^]V.N:EV(BV2K9<
MB9L^[!%T^M4`.,'&'?B?&CP]2J,"*REKG%J4TI]U3LEYYYP3<ZU*HU3#?5JH
M&Q'="L=CJ*M8UBJGEPOYLMP)<+H$U:SZ;5QAF<D60:K8Q&H:@ZY'=3*%]5)D
MQ8B)'T4EEP5-]C`ZJ:]&M%L!W6[EJ4"'8`<2-Z^/6H/:CXEVN$QMSC:N"*AH
M\1E45!2IV:ANEH=E;9>@1(HZ>IR1V&U-XD%N6AS47&/4:ZW(Y5,]T"PE-'SJ
M80:T*2)NY==@L\0T9-0-,$V^9-BJ%7<!>K>W,:M/(B76F#<7XN+A2XR$-AZE
MUZ%[#?5O-1N'3/7U$BSR:"^\.>@*DDX/#H7H$D&+5=$`C%%1F9:*U-KT)3/Y
M[$U4KC'TG=E\<=^02KK7N12+Z1X7%I[E+Y%N#T!R<V8_DG[B76>;L$>L&:M"
ML3!7BT.,&1T<X[+CN(3Q+4]MIY*?JVE/@;F3:3ZR9F3QIS#3Z[79*?*MKMZ)
M3S=H(R+85M4K4'-@GEIUCCJBS/N(W=YQUYEKC4?\1U41+:8W?BX%76I`9WHU
MA$JO%*K#BVP*#/2K.L_"%6>3Q)H7<--+ZP=KTI9!@@Y&#KLYCK<3\7L>4+@Q
M8K$%^-R*QU`NYF,E^A6)2TD$*+ZLPF9'0"@\C:2;:Y7<]ZQ>(,W*JW_ZOXO/
M28S1"D9^+S[I76U,+1)0]#B.LAN9:U>]9<DJI(.4!B"4)X`<B6`2RDT07#AS
MH-DV"UPVVXRW5-]A1RNYV#[6N_5/&76&_P#TQV_H)5LC^A^I.7Z98K-9;`2O
MT25<9#G;+"`7&<&&E1!6H`*%<ZN_'C-?*FM:'4ZB&BF8Z'$J=Z)C.QUQW^..
M.`I-$[O.%4;0;I4KT=Z=:+TZ.,BPHHHP\/$$HX/0:/J`%HR/;;4F8D+=,^'R
MF/L4UW[?E:7][3JD>!6A&LH]7LNQ6TD+3GK1P2X7"Q!14/(),$1,^7"AB1;5
MB?7-@O&DG5!04.&OK<Q$1QF.E2F.O=4ZH&V^IA;3Z<X=<@Q<">#'9(PY_(_R
M#+-G,1%KZ3F[<1D];?C2&WF>_E^P=D4G[>\YSCS"?\ICM\X+N9A17IMEU/KY
MAJKQ29VS2)L:T1YE^L1(B--7(.5U"R!G[1&&,Q&?X&38-;+_`)D2''98[#>0
MPTTAMAE"0W,RM?\`4C-HOK?E'K;9.$C=6R^H@J\W.B$R0R<8)CJ:2J!8[+E\
MER2#DHX@[.DN]=>=<[(D?(I:E\^[HE76I'=.]-:G=)]1+U.TV[/#H+17KF1L
ME>L$]@^H>4GI-'QX&4Y^1%&S"1F!"[Q;K+[/(J'F.M]2]WZ"I^)E:SZ38343
MH<R#'6B/$J\JOD:=6';:7DU>G%PA:A&YABO#'G5N,$[61S,,X6<>=?Y+4P\K
MG&US)BI`;F1DKZ`8&;*.DRSNA36W85D'+%N7:<@=^#8D:E&:A\XRPU._$KH_
M9K!&'-?/\32)3:W4O/QH[S0;F7O4<)HU&OYC2*VH]".V*):(IZ*LR_*"ENVJ
M[3K_`"94D=)0YQN6,L)>=V$II;?&6)SS:N+3\?QB5J4G$]$,2@&!1^)/T3A>
MM$0;E-ESK>LVW2*O7NVE([.JK`/#R@P=14QKA-95&4P[*^WX%ID)=C1W&Q=S
M.V2]'L@)UHS3GC6E(K!4#:Z5""_W#\N%6<YNQNMG[-FU903&SU#J;-FU>,EA
MI?7I8YC_`+<*1'2AGC0;F<9/T0P$L[.;DQ+H@*59LBRU79NYM%>*&['V^M\M
MD^(MUR5(M`(?IA>)`E=>^C3#K'R(=<AQ'&%!N98X?UHS<)IPG5HCEF6=`DM(
M.A1<DXIZOC+#K1*22O9N-$_&3/[(,]E=:[&7)6/0A#2TQ_G9:=0)5TH;!^"#
MP!X`\`>`/`'@#P!X!X^F?UPW!R'08(PU4V`HZ<&*:/7:\=<IR[C;G)NN<+:D
MFPELNT;C>@5^%=A?1Q'@YDNK\1Q+)&`N-#=\'(IHN?!_331LLW"-H=BT$0>I
M<-RVN1J]%EV)XBU_46".:>MB4H(,H')Y5L%MIJ">^WO/G,]C.L_*A/7$C+DF
MJ=RIFOU]7"<5AI,U[$Y%8BV:_0QT,K/FV:WBLWNFQ>N.LF1!N\(R^LD=%DVR
M1DUC@RTD6V9;8T[%BS)Y;X9#[LH7<?@7T#TRN%>G892L'+:UO2KRFU6&^=2`
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M#616-8QV*-&LPV2S*HT:.IV2A`;OQ^96%*]%MAL6>`2CM1R.D23-"16GL[+&
M+C':!7,E7#XZ+[5DF^4KK['LC5GCC26X7V=7QJ)S[#S+O&EM"[EY_CM]"677
M]?&PF4A`P"PY1"&1J_MZ"MEY^4&MDZS[)%]BH%BF&2D'.2%NL\6Q,ZC6EO)_
ML`V)!Z%E<_#FJ7$<9!21;%8]9K$1B>]U+KT&!6J3<:E8<1]>`IP-8*S5:S!N
M.>S+#H;L*$W$9=>HA+8+W*XW*&Q^M]BC^M1NKXTE2A*K1D,?]+=UY%,"Z[_I
MFC5N\GH)DE4:[;+JU7L@'UNT6BP#*SFL2%GXJ-8H%HDV1<R<IUD`U`FO2>M,
MRDK1W@;EYD.N/ZYM#($_AJ2,<`BA0('%'V&++GP[8<`#J[ZZB)V#SQY/-+56
M!N3$I.,EE.O2F3<=Q)[BG`SJ^S^3`W(SD_\`758H]9(QPW*I.,3AJ!+G#=XE
MKL,X`+R[U[KM-J-CO\G(#`>TU>GZ#D,LC_%S:HZ`(0G6V'1B$2I32`WEZZWZ
MB&]=/8B9N`/&+3-K&=46C:D4(`7!R);=9VS!-:L8^G`_X`REVF6R)F1B!_%2
M9L1F.F<PE?SM*?XD12IT-3KGZ.;#FHB_Z'6CJK%H%<H]>C^O+M3E$"/]3O5?
MF4$?G>>DJ1"S3EB+Y4-/51B>Y(>M3`<*Q.G.J%-\0[.6-;D].QM-L7I_:K)$
MIM?HDBF$PE;];;)@0`K?B1N+8LJ-RA,:`.U2B+&@SO\`('[-!B\%'?I($$.0
MN(<CS_\`Z9AX94EW\2KAOZ_;#/GESYT7C5<>)E`:JU3`"2Y^L9/2Y-RUHIH.
M<TJ1.JE>976[?7+['1-:9'#(L^0[+CN1T1$,]6+NTIJ=^N>A=J:72RA5&6U\
MG1QF;QJ?`KCQHA`SN957_4]FRR*1(76:\V.69%X.;:;=8B0W%MF$,.?:T_,^
MH;OQ^9`1GH#NA<]FA._7"L-#:(JB`&1=%T(Q&FCF\]H^'5@)L`LY:L=/R6+U
M_)9//=Z*'H#2/XXTN)P^E*IGY0;D6'3O1VXCO73?\BL=8PG^2T^'EB!H4:^<
M*4FWG<NI]("3;9HKA>E,/Q#>CV&G=GS'&H!5V)^0E;CLZ2AQUX-VJ>I+J-Z@
MZ4!A>RT)=@IU-F:]FFA4,+9J:1/RC5GL=SM^H6D)J&BI4%KW1UFI(J^1`D5,
M)^<[V+"<ZW)88Y#B1@W+0H=/ZZ]'GV4@?7$RC/PQ6-J#M?SK,[9.@T_)C5M!
M$1\&8%=(8G_+V07;NSDQK+"&.TYM^/';2OL]G_QT"[D2Z[>@>N62-9X`W3*V
M-%V2!H=B(#4S#?\`]5-*>UFY%\W_`"GY]?-C6*E.Q+3#M9L"'1\]*7>0EHAS
M6&5-*$4D6IGWI@<IN0^P=,'%0]>MNPYD'H=8/\-2K(4I\(=G;@!FL3[0,J&>
M==J0>T$9JH+(@4*8BCWN)CQHZDI2D1M57@1G._2"S@;Z.THF.R:ID!5UI5DI
ME1ID@V1$8[6QVD7VS7>AYR7D5:L]B"+;7K,S^5^,/&1Y<V1+8<81$0SU8N[2
M@M'J#L:]@/ZC5Y69KF1-,<TN`4GV:UA;-K<.1IN078)G.G3(5-,-UX%E@//"
M`L!)96>1UN<U]D6$E4U+X;E2ACF_4R\9IZ:[Y1I0>IZ#KVD5*B#9O:WRQ2&+
M4NIY5F&?HK9$I('M6=VMH.ULL\VEMI:VH$];W&_R'7T=@K62\"$W#T-W$O4#
M0*MD<;!1;3.E$44U$R5_$9@XW;O8.V4D?G5H)9/8Y(T1FLK6X'(_!8JOSI?&
M)#<24':0TAZA25:LVP]>_7.UX1:;":A)HDJ+H"^N7YX?+,CR4\JO3?830'[>
MXE0-UNQV1^!HU=%=5+=85R+"?3Q[XHD-ET1NIN?X,CP!X`\`\JM`](]7):&^
M:SR?F-/#'O8:P[?.M`A$4+?:X6.G<I<F6%B>YG)\F:)D*C3RD-Z!`*5[DF5(
M8_,G2H:WHR!O<OY"O9GZ_P#8#**XACM+S.2!PTAG`WF<Z3/CA!VBL`]2$6'0
M2*YN-_WL\+WY5[A.61F,:$D6G!K3\U\R]'B];%W+^4M^1ZAW5>$`*+W*,$F]
M&>S5SVY_$)%PLD?*6JC:&;^V/J42QLYNZ]_)")-MC2^M_P`"@=Q]A:&DH;XU
MW@F[6NO0P>/^K.@DL\]O,IO9I5L&'<T1Z\YN8O0ZT)$DYIO+NGM>M,F-9(KL
MLW6[!NM])K1.::D)=BCTMMK=^'ZJ!RU3(O<OU^WTN#F3*C$SBED[*6G&-"IH
M$U\`R\@(UHP0K5,P+&368V:MSJ_6@.=G(L14ZMS(++DIM'(7&IDQ38;_`!+;
MV?U#TB[R?5^+4#K+4''Z)7Z:?+V[3;5()LR:[H&#76*<L(D54&0.^)<B9/,9
M=@'&A,*21DL2^H9[SOQ"*252C2'HQ[$KKL4`&=R,,QPC1'3#D>V%I9.P:#0(
MYKO?9QVQ6+)[//`:'?Y1K[CL`:U',/\`843J+&GB'.*%W+J6+6?1Z\UG4,5M
M/!>5EX-)LU>N9NU3#]G;ME5.#;/NYJ[.4P:JKR6#<S5H^K"4D9$J?!^G\-U#
MJ9"&1_&0W)IG:N7ICJENMNP)C3J8(SF_Z/+N'!12SES-HLG]@>;_`+AVQGA5
M*KLQ=7G#8L>,)`SWS+@-'),9@A_'+BPXH;E3S(E;_134I4.\`@D3,R`LR_7.
MTPN]8Y(XU2LVJ&US[Q+];A`NQ9C?ZQ"S&_TQYAI]7XS\)F9Q<26-G06HRN!N
M7W-F[=BNI.9YZR8]78@:PYE1I-!>VB/<])G=NQR'F2:R1I@2'98V:/P;8/\`
M[4*3.,O+B!'2C(QJ&E#+,^3\`E55ON:RRO2[V#Z.%OQW\BE&Z=C2?5JO1)UG
MM+8BPYBNG:K5.Z^=>11I+XN]-2M$BREUQIJ5%7&B3&$EN+E-N-B[D6MZT^KN
MPX/KU]N,V74K#7[.N>"6](O%DFO3PQ/3;%=(=DJ]2G4OHC''Q%?-?"7KX>8^
M/MUA>=,3)#,M*GI0C::H>C7@R/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`8@^5=!!"QED.7L+PL?*G-@P#,20;+K
MC-*=2/$L3YHV$Z0E=3]C279#+?5]Y]RT\_SX!K+C_N;C.OO3(;<PCFI=BD5[
M2X=?UF55*?8S&>60%,LT*[C`J+03FJK,<'"7(E27DLIBHYWY>(^U7T%<6BU[
M;M=%K&6*V$=.<T"FO]K[8*1FSHRVNVV5:[&+J5=AU=^*29$$W2E@,1XZ'.RF
MV$]5U2W$I2KO`HZT[F(IOL?B]U$`"4:_5VOS[!73]I8J5R+BZK=H`:HD3`:X
M3"E7+36"<6'5#%>(1ITI*5PVUPGE)>6TCY.@TT=V?[$8*-!KL<K:,I0&37&;
M<V0[HE/1$D5F47=KT(Y'DNF6X[@F?8F%CF)/W_`[/3V.E77>=3P*/P.Z.VS-
MGLII>S6"U`Z%0[U6JC9A)>_&PE7BQXUV%0BX*`0GSR213)1]B<A'Q(D.<4YS
MO$*5SGUZ%'6A%`'LGGMBKV^6^`N4_5?7BPW&M7(O`E@C2YQ#/JS$LMO2*&!"
MY$DPL4B0J,EB<W#DOO-=4VWUE;3JPI_*8BJ>V62V-J2LQ)*YH\%;E*N,36$!
M:!(HKJ(M/GB&[*HT<;BN1[3`O,!T9-'.$!TCJULJD(D(ZUT*,L2=NV(C8LZ:
M0V'+H40;:UT0C)DWZJLLP;PW&7,<ILMQ97B8]J;AM*=4.5]):6DJ5UO[>=[P
M*,PE?]F/7>T`!EG";AE4L&7H4/48,UV]5R`KN<S^M)C7:5$(D(DT?6^NO):7
M+D-M--/=^-?4N<ZG@49-H>ET4P#M=@K%H`W&#2^$6[%RI&15@=&SQ8Q!>2'E
M<'S'6HI?D%UM?([RFU_1Q/>_3G>=\"C(/1/9/#=#J>=W`!J5![`U%$1BG0Y%
MUJG\D4.2!@XK*J<:/%,RFYEK#L%&$S(,=;SS#CB>=Y]%(ZH*-&4M.YYI6<G.
M;8U9P]GS@!&>F3;+4S(0R(5%B%D!24EDPV2;"]CB9OW\E.*DI0PEES[N\ZGO
M/`2;=.YWV=MQF1R`IC6\S>25JA.^#%-7NKKX0HX5<ALQ<874E.\DU82N(ZF2
M01]8C'6E\6XG[%?0*,[(+8,EM!D57*SJ&=V*PG:^U;`@('=:V6,F*M(1QUBR
M#!D`E(FSP+[2N*1+:0J.M/\`GB^\\"C.P8U;+JZ4/!+!I%"!&:M7%7"S"3-O
MKXLE7:DAQII=H.0IQ!B2)KS;KZ$JFOI;C)ZXGG5\^[GU$HR&U/V0Q.^V%RN4
MC1ZA;)$8J1KI"<#LM?ECA]H@CZB7CUAQS^41+FFC`>Z1)4-$-F2TZREW[G$*
M2E*Q:,GU;T7/KB1*!ZA>Z;:BX.((GFA=;LX0X1#P;!$_/`S2D$9.E21\0W!_
M[T1QU*$26O\`FWU2?\^"$;);OB`;A;I?8\L%<`V5JF'.DM`J<'@>WO,29+56
M*=E%FN0+$Y'A/N<A._;)ZAESOV?1"_H+1G`!W'.;3K5FQBM6`=8+G2ZO%L]M
M9"E0Q6/6N2SDL"R#/(@DGR(>P]DPG'/QI,=KO6N=[Q7>\4G@4=*G#3_8;";^
MY'CTW7\YL$R68L@"(.@VX+TK++U&W2Z'8X<02[,:)2NC+C!<'J6VTIM<C[>(
M4KCC?5!1H[M5VK-[@4M@H3:`OSU.Q5VN..OF@G(YQRVUNI62LE*ZXP2?Z4#'
MTW&/"AO\XGDJ>T\RUQ?4<ZH*,S-BU3,*@4D@[;H]#JYJ%79%PF"+%;Z^$)Q*
ME$E)A2K1*@$B$:5'KL::KC*YJT\C(=[]O5\5_CP2C,2WN>*//AXS6P9>Y)L-
M:E7,!'1?JHI\W4(+!*5-M(EKA;Y"%=B1@TQQV:UQ<9MN(^I2^<:<ZD6C/R-N
MF)S7Z[%B;!ETJ5;P\ZPU.,Q?JJ[(LP$8DDLD:`,H*J<,"AZ`TSK\B/QQIKD1
M_JE<^%S[0HR.S_97%(Y/+`XG1*?;"6RFVQ%`AU*V5<[).Q>QK`_)L<"/%,]?
M)5H<[69;$F7$3(2R^WU'>?5*_L"C.PY[$Y'!T>^Y98+I7:G;,\K@FWFHMKL5
M=`\DU4D'GG)-D&LSR[4YX$`@C'ND)CC+4>+]G>J7U*5=X%'2ID`>\Y$<(00[
M6A4J";,R#B:T#GW.G\,6L8`7/_,L-9'0STR47`.1A<B0A]M/U2PRM3J6_L7Q
M(49BO_<KA'8:CB=9S95)1!7*<T9.AT15`:F(GQQ_\$Y8^63X$G%.2D+XS]OV
M_8KG_/[^\3T*,GPG2LZ/VB?2`5^I1JYBAD<T4J(FT@R-G&AI;0Z1$+3P,.<\
M5AC9+!>(MM]QI+2T2F5<5WCJ.J$IW.Z(O%+L!VQ5<#;JP;LU0<B,VRNB3PHB
M<K#I!#CL!NPB8<IZ>&7-;:7UKDAMOKG$*^WZ_;WZ`2CP!X`\`Z1*<T+'3R;[
M<EYD="E3GF8;"Y4MUJ(PY(<;BQFN==DR5H;[Q#:>?<M7><Y_GO@&H);WS]=1
M06XF^'+(18I-1RNZE(P^I&.R9879*58=#H_1"YC4*#.E/T^KS)TU/S(2,91Q
M4I37%<[T:VLMMSV'RWI.H0QM@AV`1=W$M@[E7"E?-TM7VBM%,3791^`:=88B
MB8N7E$RG^)4RRZE".JZKY?B$HR4&]BRBNYO(V$SHU+AY3&@QR;VC=L8M^E\'
M2YS(R+.;L<62\+>B2",A#"'$.J2IU7$\[]?`HZT[D-JWLKD-R'OD@-J%2F!=
MXN%#M".G*PF122-*?OS1,I<6DG5]!`9K&<$),-]SZKD0U-/_`!I:ZXIH&FB1
MW;;,TH%+KVC'[2'Y0;,:J8<==(A<.Y5$MW2='@!#TFQ/$8X9JMN.2FUKF<?4
MW\:N*3]WUYSH)-NG<[\S9,A'=+I(:KF\'M?"B+(>Y,O-8C="5VP*BI`'B_'B
MB.C0IQ4UGD.4]]C$GKR/C4K[T_4*,ZU]V3/,R+T$5>;$-K;>D%B(.MF3!(4*
M`+*CQ#QE$&46*$(3#<HG'8ZB&TW\KDA[Z)2G_P"/@)-]#OR=<RF&Z18F:=GL
M5X1:AU%+,R;I6V'1=W,<XH33B+;I)*X5J*)[SL8>[Q,M_G_H;5X%&9FMWFE7
M-TTS3[A5K6]6R2PMB:K=@$G70!AKG>NB338N7*4+)-\YW[F'^-N\^G^4^"'R
M$OE'LL(X2KESJA\=6"!`399X2Q""L*O%1#:7BPPY*@S'V!)`8TKBI#,A3;C*
M>\ZOB>>`=21I><1"D`'+T"DQ316//EC`\BU@F2A&(*"P[&4E0![D],N9'&UX
MC'GR%MH4EF$^V^OO&EI5T*,_*[IN;V]X5'J>@TBT2#H>58@C%=M8$V\8K\$B
MH/-.BFAL^2L@'AED*BNRF>+8;D\ZVI7%\^WP6C176F>RV19@GD4E;J\:LO\`
ML+.<O=IH.UTWEG@W'4C,<141IB"9L0=D(J:AUR9Q,MUEUV)&=4PAY?$MJ!)L
ML^PWZBU*</%VNZU*LDB\(R2%#K#8PX6<3'5R%TE89X^(2F1I$V$"'<^>8ZVE
M2(K/_-WJ4_Y\$HR(.;[A[%M.4.1KN;QKC6F:^\>KLJY`(I,5_:S9VMUUB8Q(
MGM_'-*GZS.AM1_K\_P"3'ZCJ.*4CBA:,RT'8<C)IKBQNI9R01<294+450;O6
M9:;29!=^TV)KBF";G#A,.K_$IB-\KL?O_P!(E/@49`;'[1XH"+4@#`NX"Z&]
M"X4?K(FBV.JV*?*%B!5@*RS[D=D^RM->^ZL2XB9J?O8[.1QCJN+[WG`HR<M[
M3CKS'93.LYH[&3:X]#5(;O=66PF\2T\7%IG7DE>M\M<E'?JV.^OYB^?YXWWP
M*,S(;1<^L<B3#KUZIIV7"-NUJ9%#6<(4D1+&PP0E/U^2Q!G/NL&V8HF4XJ(K
MG'TMQG5=3]&U]X)1G0*ZUE0(F?"&],SX,9J@MHY:!)6YUP<3K85YP>RR7/P)
M9)F4'%NNEHJ4R)"&VE*DM<XKZN(^HM&=*;MF,C8AR>1US,8$&L&8E<LLV;?:
MK%B5ZP$&UO0`1R2^5;9$F9K+:ELQ9"FWW$I[U*>\YWP*,[J-;RIPG&"MZ;GR
MS,PP4KT02BYUQ1.4?"#6C)H'&@))=E/F!`=]$N5&2CKT>,M+KB4H[Q7@49VJ
MYIF<7&7#@5'0*1:9Q$!RUCX=<M8$W+G5?I!P3RR0XXR?*>E`.E6E1>3$<5'_
M`"$];^_[^=YX)1G0,[%D==<LK-@U/.03U,<%M7!HS=ZR,<JCIQ"W0K=E1-)L
M*!.%VVU*B\E<:[(2GO6_NYSO@M&=6/LF<SM-@9"*M`<U>IE0-WF2'"EA!.0$
MKP:12V$2[!%B$'"(GAQ%\@O#E.,<:F,<<6A?T2G[@HZ5,F[JN7QS"*\_I%"9
ML#EA[44`W;A7FS"[7R!PKVL(&+(IFJL/!??R?PN(_)_'_P"Y]GV?Y\$HS`PM
M^P@G#+D!VUY(0@5\6X;/3H6CTZ5#"!69R!;I<O)8,N,C1;1-U,=4AY2&DOJX
MWU7W]YSP6C.D4]@\C%6ZLTQ=UK\TI9H,PHF2-.@9@L",8`P[(/)6B8@ISH.!
M8Q4]EP6\XCK<[Y$];[U*N*Z%'U.B6]EL0#6ZITV5I%.<(7$]:JB/(1[56'0L
M&ZT](+I.C&"/3*.0;K(58HZ8PO[5S75?=SXT_3GU"CZDEH6RYYHO!\8%8AS%
M@)0#A>-3"I`7#NO\'7[22IQ`^NL(GOE$@OYX4ZRB7Q'6%*ZE/5<7W[>`TT6C
MX(/`'@#P!X`\`>`/`'@'48GP93<=Z+-B269?W_BNL2&7FY/Q_=\GXZVUJ2]\
M?V*^[[>]^GT[]?\`IX!RHDQW'WHS<AE<F,EE<B.AU"GXZ)'%]84\TE77&DO\
M:5]G5<YQ7V]^GU^G?`/IUUIAIQYYQMEEEM;KKKJTMM---IZMQQQQ?>(0VA'.
M][WO><YSGU[X!YN6+]=X&VYPQ1G=2EM-*I>9U9%C&UAEB>^SG.`Z5BHR8B3#
ML4>7R&3=T7I5QEJ2WU+;"XK;J?R.R6QO=K4N<_ZRCROK&YZX/%:1!G'"R+'-
M?G@+7:JA8K$C5&-@LO"M6O.DV*YV,3:3*'TE&I-C>?<1+>7QUM/4MI$KK7L:
MZ2?0F33PP,**]B!.>PG%C&PA*%0H80N#TR-6-5HF?@LNGR+VGM7S0.$U5R`.
MJS?Y9-J*.:8BE&U/ON>"[O(E-5]$"=5$*G`M5K4J_P`2XQ;=#,&\\+6FJ,$V
MK3[(&2@<R'.Z:2N-C&MP/9,DQ&[-L*YK,\>Q->>>4XZST1R+@N/K1/>P[#L[
M!:#7PQGU^KPP2/MMNHK)^I&84/%+5B1^><I4:T5QF(EZLVZ9.C(;)):B2VFT
M.?-&^9MP*ZOP9(*OZS#JI@>FX4,MTR0.T(!;@$2QS1C+\\/$L]&ATB-)E1VI
MC+1N7`C0TR'%_?&Y)<[WGT;Y].\$KK4J6+Z23B=Q`:1?=.'6*[0S5.(G/XG/
MDA:K+%4"UX=9*C6P00C;K&0$PAW,<=^61*G$),B<<?D\4VVQ'BH%W:470PV4
M^B,W&[37+?4-"K\DU7#5F$JGVFHW.U2K%D]ME\F2Z\6Z=UJ=$"7ROK4XD88!
M,BA2$ORDOAWN2U\:!RJ8(7^O<DD/6JL?U4`2K-=<I!KK</+_`,0Z2M=$R6IX
M3`<E%IMV*1^TLCG%.COR`ZHRU?SSSDE$KD;B(7!=QLO0,.G9Z/W442OD%-6U
M^X64Q5JJ,%$159SE^^.3TE^!X]AMEEE2#=RLYQPD1:BOCQ;Y5];D2!%7(>^4
M9KT-<R7H,0EO4P<'VAN-3JN:R<I8J-(IQ%=>.$\EKGKV'$RY`NO:!6Q\F<4@
M88F.ZR89+P(T`VO\>*B3':E.#6XM,/ZT%F/5^S^L4C6A4PK);GQ*\3[699L#
MG(!1F$:JE)%TRRW<Y8R=*J(QB/"B129U]_L+J6TOML\9:;$KK4USL/ZV1-DG
MWLW:-<&.%=-_F2)Z;"$WD!"JVO&[5HQP<8SP&)V4>`@`W/\`:4L8^.)1R1IZ
M*I[\8K%D37'6Q=_@;#95Z<B,OLU:N;=D%M3@MXB:&6@B@AWD"<6YDNH9T<8;
M-W.[W6XJB%3&H2SBG2!(@\F0E;?5=X[U:!'*NA%];]-+'L6NR=?YMS;<")_"
MG\SKY&JE[0&K1D3*RH^*@S(7-$'5`_GLBRY<@E,C1Q,$P1Z8DM++):8A<9!2
MHJ4/R[>E-GO_`"_$2FP#J[;+/_-'ZG9ZCGCD:1GVBGV/7J6_;1D8M=2?\A'#
M6+!$O08JW&7/PB[L=]]U37S.@I$]]??4ZI>OE]T"X`"HL@$L*R(^H,O?V])F
MF!3AY@R8IG9)#0"U%<"1SL-E,/@ZOB)G$-H;E.R7$?(L&VRF)GZ^C%AMN@6Z
MZ[?(M1&X#;H$'RR5/)SR(X=:*;[%TT<_-=.7\R+3.`#?8-QEM@-#!BU1@Z$(
MB-+F2'>"[BZL"]8)N*Z)8[,[H`FSANU@Q5:J"CTIL'9!@JSZM=-=(3;C:O[*
M67:R'3UQDQ8RD0AS28\?Y%)<D//N*$;JB'L>FAL7.MY\+I%>:L\^XU^U4N:2
MSIZ:/"L5SV5U#V0B"+-%BW4<1L3,HGJDH4\N)+%<^*(Q)2CCGWM]"I7V>>D9
M?-M7]<Y#%AEVRM9D+*EK]9W`X(`)LY"M8]D.4Y[7'PB#Y0UR;!MU'DVV'UMM
M<,>OKK"WE.=:ZZ*Y53+%U7T@"Z?LENU,A:HW(=P$5!+X8P,M1=VNV*FQ'@;1
M0!&8T$307QQVJ39$*6T3KT^:UUYU<>6VE[K:!%*BH:[W'U(T9S61X?,[TNO5
M"_VF_P"P%=>[7J1V55#EHJ7L77JZSFA2/JC-RD\A2=V'1Y,5D"TVZW\TN.8A
MNR^Q_!4U34A]J_7Q>B)H9DT.PR#%%OTZVV+9]&;KHYEJJRS`3V@0)A4,]9=I
MM6KQ"D27OS#3T6?!*K),-N25&(ZI4UKH;EU[FS5"]&9M(O=)N4.]U6)%'VZO
MZ)H(2#2+>7E6B\UC_<C<4E6K?H.M7BTU:$?YLDJ05;ER#+SLN+U4=V.U,D->
M`Y&2W?TDF;C>KR<FZ2)"4^]00LB:`3G+).S0[/7,RTG+ADA%O<M46/.JDH1I
MLJ1+&/#?D6[&2AN2AJ1(2H12HO,QEY]#0]G:V"6_=2;J],,I/NQ0M9#1SL&+
M&M^U7%VOA2I0XQ"[((]U]<1MV0IB,A<)+CJ?M>6EL-W0A6,^H-_LY=W5MFD"
M:=:9&KR[K&IT&B5D:R^('U"NT\+))!P6A:"&KQ:9_!JE=;9,EEH3UM2W4.*4
MRR*Y:41(/7/`[KBVW)<F?CN8QG>9Z#7PM\/!:8")V&UZ86P:84Y`,AM&M10K
M6HK^4RNMMD!0!P=QV/$^I#C2'VW\Q&]"^,O]=+#1=YTO;+#IC]U5=1A<`$#R
MQ1UB:!`$;Q/N@X9)GD;L<`?BU=B<D1!9#AP;+D**A^6F3-<>D+!NJH;5^#(\
M`XW76F&G'WW&V666UNO/.K2VTTTVGJW'''%]XA#:$<[WO>]YSG.?7O@')SO.
M\YWG?KSO^>=Y_GG>=_Z=YWP#R\1^M:"V'BATZU(>CMU+V?J4],JEQWVRT+8P
MI"BXFF8TJP?3L?USRTO*!Q&OKW^7X]U[O8??^WX-[R4:1^OH=H<G2.<TE=:'
M:#_:T\B!JDVRX#;LHS;(2&XST>P0N/-19&P?(ZE'&.R$0EHXIM4GY&A%*A=[
M?KC(1ZQV'"XI&LA#]C:M!66<AP+E8:O_`'.RV^=>9IJ2+NUYL=O(PR-AE]>F
M-/&^NN*<=ZRXSSJ$H"OJJ4I8O0:#8?GDD+'42JITK221RO%*019K%DEZ*=]H
M#TJ"5<!W`18FA\)[V3<:2]'F-SN<%_*VZV[(^K(N_P#'Y?X#8*/A)DQD6.YY
M?M`[?CN:VW-K><N)@"S)5<9^=V&.>89?@R"$E;3CCL1MIN7(?F2TJ92^\M^1
MU:U#-=:FG,[]=-X>0TWS;`I;E8S4/0LODF:E>(<O.YPGF(2`MFKS58U@&'$3
MJ,=QGA00J'#8ERI)'XB<F;&C(;<&M_D;/^Q7K;:MPJV?!(=_K<$K5A-TKMC-
MW+.VK<BQC=$S(UF-F+CQ8ZQ5:)7K,S$//3XKB/FB_+SL9;/P.J[P1.AK`W^L
ML?&D15]NHTZR*N=GD([8W->5*N69W>5H\LW3[VZ$V0.QPT$>T\CT?-#-BX4G
MY)'9L)[LQ7P"[S<+`?7&'A)`Q,A'XQ9!BEUFJ/L1J^P#^^57]*V_0WSDA3$^
M4F3+*+V/L=SBD_?]\#KO5KZ_U+8RW4C7KCZWGL9[K9.]7]C7"6H+KR2LOH8S
M#?*1ZN')A')9=JP7.V05E;,Q-^^1#&H%`X7>?!#ALL\_R*W4U`RO]>-Q9K=1
MM!B]R:I?9=*/#IJS\(L6M&?G!Y+2T899Q;-2T4?0"]OS.B708#(QRD8X.E("
MM]C.-JZIQ<*Y(VT]7_5.3@!NVVHU;!-L/W$4H?)4/!V"/P3Q_3=0TF3'B'[G
M=+Y<BT1R3I'&%JG$'GGW(7SK5]7.--4DI5(6UZ9R'-1BVDAH%8_CZ[I)O2J>
M)'T;D2U3(UNWT1OMOA7LX[9Y#=F4.L8YL4#EL0X21P]Y?742'E_7P-VA*-V]
M3I&MZ^*U2!9Z[%DQL\:IG\'<`=IL8D:6KTVY%ZA<AH$+?:G6[`]`*7F0@B-/
MPBL"=%;:;XEGOW]<!2HJ%3T7T#YGRLWK83513H3+*U50M0E$J(-(W]ON9?\`
MN)A4&RERDHRX(/6D9"]C$/E"3X[Y"1<0W,<2E4YU"!7*NO<CE>_7;;H+BWSN
MQU\M*M)ZO$-"GJI%L)F%0JE8LJN(N11;!;]1LYRO6@Y9,M3TM,E/S8RX\YM$
M2-%X/C)4&Y$D_P#\?T]B74QHW0J:/IU:A4Z:MAK*D\MKEGJF#`<"_'$GF+?'
M'@Z++!UU@GP8B$Z\@@Z\G\CK2^<X&XZMM_7T=)U,?4*GKPZM!Y%7KE3MT!-*
M+PQ]D;`/:++C6*2U4;[4Y\LQ`F7Y;L>),E213ZT+[.CS.=:2R"D2W+O5A^B^
MP^:VF!*=(4>BY+?Y9`Q'A@18&XZ=<=+MI:BF!\"&6G%W#%%I&FW:).D.,ICR
M6['&6AY;GR-M"-U1TK5Z>VG4-NTFZ6DI30-&3ME)TRFP4TB,7M%L?`Y_ZUB2
MW+2>_LWXDNHR7LGFP61[P]F4W,2S*4XZQ'8;=%W45"A-L]%-)!5NP'Z"0%Z5
M;D"+_G&;U2-E]=D"GZOI@O>_RRFQKM.M5*%8+#`)[:^PD[%<;Y&;:<<6.>02
MG?$*I>)<7/UZCG9=$FDS=5L401"T>-<JI80UR;K1U^[:N2V,01;C4Z_T]HH1
M`6&8U!E]+LD(Y2%&:7\,9;?$J$W%FX)ZOW/$+L-NIS6!9,5&S:72K4.A";-$
M5:U1[.\2SID^6MU\MB9`W%*K(6`!D%M_V$E`>[_+$)BFVN)$<JZ&`G>E5@L>
M]S]BN>I#[.,:N$:PU^NDJD7FRHHB&>=/B:Y*Z2N\ZGP8]9ZZF)">%!!STA#*
M94U4J6KKO!5*BI0ROKGZ>&L$O%=..7^MV:M52@VRJBXK5`>#W0B7O<3$&[`1
M.6Y5K)1Y(4=*Q='\;`;@H6U&GH9=?<_":6Z(Y5(_;O0T;9KP,N"[0*E,*T#6
M[=8`<X3:Q<69'TW0<\TL;/C.TR^U?\^VTBPYD-3&>+()#Y;24_+$3^.TGH*6
ME#&M>A,^N5X7#SW31=1/B1->$.$AU'?"LGAP:A>K5")A"<NJVL!9!8NR#/6U
M277AD^(0B-&>)COH5#2MX-WB1^N_KB17!6/*C:A`>M.,:%6M."$W*!QP%8;'
M5,'S/#A@^VU^;:R#QNN)@T.3-::D3'9D&1-COQ9+4X='F]%<_P`C$N_KRT*9
M-M)4SN-6LAF[P+14;08M&:6&PDY=3N%5<IIJQ"WRFI28]9TG^-<_)BJ&LQ*[
M">YQAD6ACZ\Z&XNC'O2V/E&U*U1ZU1+=&_')SH#)1BYPSE=LI"#/KKSP5$.^
M?TA\/.JTWC4CDT)*G\F<==;DH2]QMD1RJJ&]G@R/`'@#P!X`\`>`/`'@'BG`
MH'M1DN>5&");OR0X(4[:",TM%S:<?S1VSO[(-T(/F1(B*9_A)\6H-ANA8JUR
M.K*2F4+<>Y)?;Z[G)5-F%JC/MM8JY?=WP:QZK9#UDB7"CT]5T8S]#5LK5*E>
MWXZIG+9!;#Q8[]XKTX;3X<62E332WU,I>:<Y*FJ6'I6C_'0VGR*M>QYVC;:S
MJ%DO]N@D<%<KF9!SX%BL((DCY+7W9+9068"!+A.OPP#RNBI4TFF(W*0VF0B,
MTY)?4H1TKIXE'UJ)^P`&U:N0)EI;4&/U?/0V<(K@Q(073[?P_G-/TFL6DN+C
M@YD#+@!\)9;`.BS)TQ;X.7\Z4NN?C/-2^GN69@%:]I2VS5RQ;D]83,6HZ-J4
M?K12O?Q\&J-2Z_=PL`I7CW!XD:<J%N!J`IB,C_SFH<EEU;TCDB3(99$=*:$<
MH%)]F;_LN0%M7YL#@#-=JBW2THL+-3$UD;?U9O[65RP<HZ(`SD@[C$<<2IC`
MU[BWOH^0YU#_`&6LCUD'2FA(#%*]N9-SOKM/L%XS\;(T@G`J;`,-G<:GR!=^
MTK9!AS0[$/\`Z](*'YM?J"JV0:>=?2ZGJ&W5H>>6]Q4'IH5);7O>;1@9)%GJ
M>JC9.JYG9IS.3QQ=+?SRKUFY5K;(5WSF_FXK;LKE_`1F:BR%ZB?]STZ3SX5/
M,+*=;I5M1,+(GW[;LX4-!-6VOTRM:[,SQBTL5D79G[,##R%7"@:89!U@5/+2
M*18Q%VY633:OP643:OQV0Y%:>_(<$])B#`/W^K=7*':W;=BM-I*`8R)0*RIS
MB2,#)-Y^>/W2178@:JCY35B!V41"A@^=<DI9D.\92V]R2YWHJV]^AP66H>ZI
MK-;.Y*ON\F72M(L59A1ZG$%T4IRO-XA:K8"."H!"OBKX/U!>DC`X=Z;*<CR)
M,A3R.1(Z):^((GIKV+S]FC_L^U=,R&8*(U5L2C/Y4J78F(<`B/,335=ND"7!
MM8DN)8A5^V5"5`"SD/D7^KERR*&8L17&""DB*E'7J5$>J'M%*NE%H]RE>P%R
MH]=VW#3E)+1H=%GPK`S7-BQR_P"C&-S,0Q`Q+=<JX=J<Z!ZRW"5\D.0RWQ]Y
MF.GL+5>18VA@O;9K:M",9LJTA*I"OP:P5<<)&T:#5+\[-E^I=5GNWB0X+6?-
MC!]0[=N=6N2S(;:B+5Q:E1('&Z%MH:ZY^!]P:M+O^QAJ3LEFOL`6)N!P;H@'
M.AUFTVVUFJ>N$*^Y;4IB8T%(JG662/M400MI<6,])@MK;?<ALP7.PKIT[&<O
M.<^V+Q$/4";.J'B`W2<[M-+.4BN9\,H5KO-:NX\E?K_L\M(N+V*/BQ1(F>`<
M<ZRZXZF1SG'U-K;32>DD!&_>YMP(4MJ)G^WB`Y"^U!B4^<KP<='(U+^D^O=5
MU0#::M'BJX*$NEYEW*Q"A*9'^YQMS@]EYS\3K;44CY$HNI??J5(]/LNSMS31
MUJ&>O=2GSZ)5AM8D523::G<<%K=@B:\2)P)SX:LPJ23L$7CK,EB/QY:E)6J8
MB#SH*FM>A4KHOW?U+.M=BG97LA11C-%VNPU`*%G!0%ZD6R95?7J56:2Q9UA(
M-F.]`6(C>HPQV(T,BD)$=?6.*A)'_47T_?\`REIQ1GLB[8[`',@--_KS]N:.
M9()C4ZFJH!8%)]L;4>NM@U]C@-3L31&LS;#$AKI#L9QQ+BI3''"OYJD":%14
MG1?=*PY[E9VJ-^PUH&6J;C-M3=[:"JK!239'Q-'E:J!>K8`"/@R,>M$`[+FB
M"4E<87$5`FH9<DK>&M\%:CY&86!]N*35&8E3:]B7Y$4$2"/650RIV74#FL`#
M&].9R.LE@L(Q^6=Q/M@EB5293O506H$F'WKS4%^>OL'I?@;B>OKOL56[Y9$;
M,[H-H#7?CK\'\R%6I==I%G[JN\M)A`UA(8N6*I#&75^KI;5)[+<<7*B..+[)
MDR5]IET[%=U:H>RM>UMHH-E7\708^VEI3]1:_J[E--U;1=W]I2MXM!EN3"DV
M"2[&ISM.DQ.MS640T/,J;:ZIR0GHM53\>1!M#L?MO-VC38\4)OE;Q))^`//?
MT(>#L-J9KH<U''A3^.$B`?D5V1<X\J/+)08$>>X/&=D)DO<G-*2R'IIYFO\`
MFF3>T:RN!B+14]C8*9OGU`H<IDN%H7^NZ'1G;=Z8J@.T\DF)*2C2H5=IMCF%
MY4=R4Z-*#)#K?6?B%]6*VO+\5)9GX?W-J5:S^#!@;E'=[6,WAQ"<P'4IUMM.
MS`LU]>:^ZS[!GR8UPX3S)N=%NS$\I)=3U3<9'6Y7WI%_)`]K9?3-/]I2?K![
M'5FTV;:)]\L^#AK#3",<G6@N@B]3-5:UNW"JT`I6!8A(E$`B,&,Q(JN+4RY(
M5Q#_`%3JE)I-*KIU)7EQ#VB>MVR\1_LR4ANBZRY5V=9$UT72FK@U<GV_61%$
MD1X0XG*04R;C;URY)6[Q@Q]J9'P2^OM<$="E*W<?=$5%$0HX?V"/`K$?JH>M
M$;K4*9RZC)G]N]9IVF3]#_"ACHH&JQHJM$:%RG&DM.P$+;B==3_$]=%])9FF
M0?<$-AWJL,IMNO';J0Z.D[M=9H`?:;@)MY2FO%A23U:J==7'E4D=HDGL8C$@
M18\?D1AAA^2S$[(D>`MM6:DZO_[A34IK`B,O20UBT&5<!-=SRF"LQBYZYG46
MEV^Y*/R6&!CTP/J8S2XS<UA3BD-.0$PE.M.MR%=>%TZF_7KC6MC!;?I<G43.
MOF!#M`BUFDR;80C3J3-&4;V"]AQ(HPZR*AQA</0C.6S*A*D2>I9D%8CWS+2I
M;;G&AETIH;T>#)Y97*7[LM:J"2$M]V`T@[L>O+=GRL\C7`,"KE=O-#$YU7>U
M^HT$@5>IUERW^Q2X\PH3&-NF'4.OE&^LPXCDU-^FGF520N/N'9\M(9L>I&VV
M)V\9R4JBRQ.@M=AVWH\#[3B;[:S;LRHTXKFT/197*.X*`%(L0K#;DQX[')#:
M)<M='I_'V+(IUSV;$-0$O7TI[#6W,)&O;P"L(8Y52A*!6F;KI97F-6L7;XM%
M=%V^B2QQ<`!%U^(2A3!DJ?\`DM\E,1Y[$(*)K2E2TO;"T^X%.T(00P('8K=2
M8M/BWHL$$!*T3;)%J<7*T\WFC<@G&3/CDM!CZL&L$527>*;;HDQ*'&TONMO"
M1V]R0>J#GM!RX[3$WVSDC$,(1Z"K8TC3Y8F$_P!$V>XP@5QJECC4VMUDF)N>
M>1PLF;"A3S:X9/Y5/KA/.KAI!THJ&J0][]A2I`$.1N>F0G)F-X].FSE42NSB
MY`W=FJT]L$IN8/RY6>530,]N)6>U&C$)R?B`04(9&3%*<FIAKTF0N)_WFHM-
M<&!G]SO1^<3%G`=IDUFH$)0DR%+ZS`8II8)3\T4DI6+=7JY6UO*E)&PXTM]R
M3*)L\F-QETGI+RQ,;[)"]5#O'E7$'FS5[-UIVBMU:D!J$Q3B=3UVW/V_K8VM
MQSZ3C^@0`$?DOD]+7VRE-J94J2ZYX(Z4*\OMN][0>H;W8ZQ'L1P#3+'";SW*
M!],Y.#WJFG6JE6:L8KENF4^``CRJ\]9BYH_%Y89Y-YT8VE<:'&8;1*A5MHJF
M1QUKW8(:XP%T^^W5NGB=LDCK,U`HH\=%(4FI!=RD5,O!M9/.8%;52--@B*6H
MK'"SBA".3<6A<L<Y+?BIH>VFA,]XMF_!=!UB,%@[K)&.`L\&93'S.NP9-!B5
M4\2`P])OYP\-SS0+1*TBH&5R_P#ZBMH_*D`T-+'15+<E2V`5*=C7V=</=&[T
M0%4KJ-]AZM8HX'/-!NUBSZD0:[-1!AQ?44L6!@S0H*0;F6AXJO0_RP,!#\U7
MP2H[K7&506W@]/70[$4S[GU1LA#K0#4QLP3(N9$140F:TYC.).3)':!8)=A;
M?8K3*E[N0TQJ!&AB4RT/S1DAMQ,%SC\B4D7TOJ;&X7??8"R;TY(N@;5UYG:J
MWJ\L(*M%%=ST5F<,)M=O8H4NQJGUAI-M,Z'G3PGL",@I',`XT%?YXY?YBI+0
MRTJ:=2E3I_W4N>HZ\%!JVW.J)'L!R4!?B`*G/E17ZM5_9-D(-K%FLF<-AIM8
MO9:M40AUJ"@MR.@BQ#41[+>()2+Z4BPO6Z)N!_V7F7G8A>J1S4;'=!KIY-AJ
M@@)DM;E%-6J)2A!<M,0A<2:9D&,]%,3"Z7)A/X"#3B'%QW^.1T@Z4HNE2KS)
MGW&:=9/W*+=Q$&IG+)DIJX@:52)5V_UM6=,]?P-BUV@=Z")ROYS:0W39*./8
MCO??!'<<C0NRH\='`])6-!L7LI8J-7-O8K>F6,W>,NBCF]+KM4``[BN#>QGI
MCR5?2HVF4>S+/$6DU8QV3&'!Y<E3,%YB)V/&CMNL0KIT)>XW[Q6NC-'KW8/8
M$))+(RTG9*_1J[4P)>M1Z:0],['9'JI#`5298W"IY\OI#9&#\L_A!IB1#:8^
M..PWY1Z4^WXJ;/>VUH]LJ;;:P6P`)8KA5HU7>OEEK@,'7B+A!_("KI@OF3,H
MLPF7'.>P(6W,CH*VW.+CNU_JFEQU+<4Z,JE-2EA"_=Q=WK],*VW8W5(O(D'L
M5IC4B@P*3"J(V^TAFFG,A-OTYR//3>LZ2;>MCB53W1LE?V_:.?1%2H7T^1`<
MEJWN"U3,,IQX7H.?VROB(U"MUAK-,HRH-'S<GI7JG'"#<TLAZOGIT9B=C4(X
MNQ]G]?GQ['"(K4A#<(5U#Z]2O;J_QW+!]?=5]EG_`&'RBB[98=%AF;#1K-+L
M%)GU*FPZ#)KM8R;'YHZTOF18%HK`T9W2[$:23B-34-M\>2A<1F-P:IT1I4JC
M&FT>W(#1;B`J=@]AN0C>]7F95)TJLA;93V?[)><I2,'%39FK2F0>)U_'#!N8
M.4Q(:99+1Y3"Y'2,>)#<#TT^Q%T:%^P>0*LJ;=5]4'0)D`<2AD*K6:^P7K,B
M0?`XN^.:C`J5=["?B1I>;&-"=8@#GISD&[Q&N/QXL?OXHM(F`T&+[F:!DKD/
M2T;[(=O\'D>33*5G](<;BW$;2_7.56JX<AQ*S*F`LWL)HKH,@Y,?E(XW.A,L
M-S8_&H<=X%MKI0V=]O=+V.B:I08=1LU^KH,[W*0=(A4RO5,[7+;>K3KJ*_H(
M/3)!L(6)!H;-`>@J!+8>@?-*>F=;6^ZS]B!(I-:E)_SGO/7"5EAG"^MV4+"S
M',1T9$2H-)L9)=L!XSRX:3%,4[&3%=A7#/M`+W/I,)`_+,3`D=EF$(9XS'(]
MA?21,+.]]FI-6(+-[($-WTMB9G0IMEILT]5:B45@="@MP0M4K6?6=8JK&-5%
M6/EQ@1.Q.1)28CDF8+CRDOO4>DV]/2/8H3Z8O&W+'H[F[//L6,FPQ48IB[26
MG;RB=/S@$-I%'-HK+):L(Z&A&$A2K@9M],^0F3UEQ?1G3=Y%,%=,]LBQ:,$-
M5SV'IM2$V0\YJQJF9Q735N#5$_IUUG4"%FA&/7K`.T`L%J#E:@G'PL,DN.+<
MFN(YV<TXMD6B\C$JL?NO.LF<18MBUFL29>CWS_;DVR90HY401D?=J2S1*M2X
M%2SB?P_CQW(U'5LDE$XK"2O6'"1>(0;_``UAZ2Q?6FY^SDS2LV%Z=!U\[6)%
M"NX*PE;-4Y-,"IL->M=@DQMC,)*YO6'>0]5BJA0A-2=?'FJDW%YWL<K!E*)-
M".E-#TN\&1X`\`>`/`'@#P!X`\`\SK?[A'[[0],IXW(!`JZ!<N]@+3H%3OUA
M9>GYD"S<2+:"MVJE6&@=B6NXV%VUBR/`R$N5YP/(:E-FI4>5$[)&]M'UT.&N
M>]<JIKHF;%\`.-6$(/6UI`S-G2-L`4&IAX&;?CV,`Y5\^C!)0V+!T:)*GL3O
MZ[!&1(4OC$B4MN*U*#;YF5SOW7M,M_1R.AT6*,8;8@7"GUT-<@AQ`2FO4'U3
M*1($X\P"#JFF#)3V(_*=2XTM,1R.MAIV0PN,\H@X_C\R/5OWZL`EJ;6S>7VK
M0BU8",(L5[$Q"`*LHOEM,S49[7#!!FGO4JLUPM"DCXCY1XK^:Q-?^B!DAM*W
M^0;2^*MO6D"_7,GI]NJ`NQZ.UNEVRJ-21UL'CPC,^9[8FL&IPA5V;KC3+@FN
MPY,'\@@H5R8^S&6MR-^2I3?E)15IY%-1_P!A9O\`#I\23ZZVF7=KF1@RQ=,I
MUA)Z!+=I"Z__`#A4TU*J>?D'O[/#6VXRP-D1HPYWGV./E8J5+^(7;^1C9/OO
M=;8-BF*3CA$!22-FTT2U>[5+L8F02I]2R'<;T/M-#AGL]@UZQVZ&9Q_Z$!B9
M,T1%C3XG/Y%YU]U$4-J7U)Y#]U[&X256V<@1/)F+8YG^9$)VBCAD>\6$'?`&
M?6B?;D1*G.YG8MB8<Y,B]909=EMM+:^%ESK*'1*+Q+3]=_:+N[E7!1"ANYO*
MDYGG&FUT:<L+A,S;`-WK(0T7,USD*NL5@U4:D=.)!OD(1:5)_E([G),.&T["
M<E@U0IR#[YDH]@F-73(15(H;+MF^"^DM9@3&6H8ECV.="DC@:+3>+#0R?_MC
M.+F]3)DK'L3AZFTRW7)3,,-O@=0+[\V$ZJ`S"P$DJ4Q)6`M<&3=I@0H+NQ+5
M-!QZGUL"!M>?5RR%VK%;:.VMY\G"!/P(4]+BHSCK?6%AM)Y:?:(O=?5"T^P&
M*C4L]590(K-Y).:,7%N,+NBU:GSY:GI,"=#"PBI&40'<<<9DJC\:_)XE7?M1
MP*:T9%#GOM_`2PHU_)WRQA8?1^7(+6[64,S:;;LSB;&6)`WB?^OXM1E";""P
MTW*#/R"D`R11\/4"$M=>=8#:2[+?=2'KNQB\VJ.6VPC4R,"237J,!!HE6H@<
MDG0"N>VB1+AU-=8BU*_U:BMRXLB29CSN234".U#DH6_)8!QHM3$ZM[DV/'".
MV+LF=5XR&SB_BP%2@U^V6N7=;?3X&,U;6])LCE?%YJ?CP)U*AV-'^'I,<1^.
MZVJ:1@<YQQT%&O0JX)^P8O"42K/,MN&IVD;[`[=DJT5P>2:.SH.5W:Q/GI0R
MGU6H6<AQ@)1IX!D-(GI'P[&\N1(7+B1&D3I0NTVNP3V&G[,7NXHM0?Z1VM#Q
MMD!/M6N-:^6*H&;UJ^?C"DQ$4.*X"+OE<@(2%04JFI;ARHW>R.O*>88&6J&M
M$GW]GH'B[`U@+;Y0E0&M>@)5I89+K6!E<UM&M#S[Y-%4><CWF>'HLIAVM)2N
M*W/_`!^])JCK5):%VFTVZ[]W$"E#9GT]\I6[>W<>$;C*)S!```7KPF)-K-05
M,BUX[%[<-((2U1`K)%T2/D.17F_S?S%0X<L1*IK"+_822D62H4DAZ^VUVX%7
MQA2XB*47+Z-$J5!,A<4L$:V0S%8H+T0P^*$[H.D%8\W@:##9'3U-SY/>04SQ
MK;YZ&4_]XQP-5*Y<W<^&"F;ACE:O^696/M,DVQ9A5K-,+J$1DG2<OL=G8N\J
MFHD2'0XL47&Q$1'.\EK90Y+;#:6+2O9F>0P[V"WZ8,DG@5!CR[W3ZGUP2"*=
MJ7/7_-=9@5265^U8]HF[-LTEI<R0IQMM;O\`R5\2$_02FM")=]T[8DL;K"\0
MB)M-9+AJ0>C_`.TXG:^UI-QV85CU&!#3G*5^81JY5\RT2(%^P&7AK"'(R8,F
M8E+*PVD,9]_):"X&,.RB]W,U=S,.&U1*]&D'I%2A5<8+CZ<Z&)4NHV.7:GAI
MXFG\%<]`T=.92IY<V"U]J>B[25R/<'6)D2HV^I8$-ME%N=`W+1*N*!:'/-ZE
M9P6:2*3#I_X54$4*4/@F[3*M#BIPIJ82F0&$)XUV3-3V"H3:ON71;?8>;"R_
M'+[G-6K6H%-J,5X)6(`_0_Z_3NO&J59;M(()NQ6HK(/B84.K2&F^J"LS77%(
MXN,RK[T($IK1E`,_L!=)5^3<`N,2Y%6CU^QZ&F45T`4'+NY7GV8Y?I>DV/\`
MB?X&<RBTA6-:&P1@7LK[2KS$IUR9"8;:6^-;>Q^F?>U'"D=0BCF^.U\K9Z)8
MJVLR!:BR]B'$V*TK.RIN2.>E`F*\4,A9<DFRVI*81A#BHZ^-_&L3:0P+[LZE
M6!!YVV4&+=;K'M.ECYE2AW.N@JU515#N7NP5G\'7*'4G9MFE0:/ZT,C&?F'Q
M^S)BX[CO(G5S7$0NU/IT_P`G^$VBR#V9DZSIA&G,Y\H%4Y`71C5+N3UM@D"=
MA:RO38^36U@W3&A4:557>VE3JX7>3)R)$)M*U]9=4IA%,M410=^]\BJ)6K4;
M-L]@'[F%Z?AYQ957&>(HUBBB:KOIHI89%BL^<0QR9M:F>OIB,N,.;.BGIZV8
MZR*.(FJB#6WI4JM'N<=`62H:5)QT&=<L6=E,V&6`;V(N^:IJ`G5,)S:4HW%J
M.=6B]4FC@[1<"SD9B`V>Y.C*0\F$V]\#/0VFQ&6^U-VU_<:'68N?$<YH$VJ:
M,FPP+?/AM7US0*O5<*M$JNFZ9("QRM6:J7-3=B=?Y-<5+D,._-'81V(MX1I)
M>9OKX,FA=N]S#4+6Y&3T7-A5L?B:-0JHY:7[B2'5Z2"+W^%G>BO1YJJ4H<_<
ML_L!!IAP7"ED6_D^1N7(A2&NQU#6W2K(I[,>U^IXUI.O4NN#ZA-8=]=Z[-PE
M)8>0<ES?9>Q'K_!$U^Q.,%8Z"U6)@1C!3\1A,62U"KQ1?S]XM/Q`DFON?@3W
MO,$)%>IX?+VK_=CH/.TA20:U.5FGGK,=C"8E[A$C)RM.BJX]23I+B),0?*L,
MAE/%-2/@E)XPL-IVS7O$Q9JE5R=&KYFM3;!:*O\`249X$(N(KD6X>LS5JA*@
M)?>:_.*5_P!@4165I7U,>1#<7]_/N:5UU&WQ(#E/O!?7[T*K=MH=PO#FH6^H
M\IT2J1(Q)NEY8[0_75B?=BL&J4:0_&)R[EM_\F7C$BBX0X7&DK8F\Y'8C2Q7
M%4J;@[_[&B<%F9[%F@E69=SL0X<1@#I\Y!\)6IEJJ%,FW&,(A`##,T.#.WD:
MB8].DB83/)"$?E=D.QV'AE*IA-3]EB-!NUFI]?S9ZY\J`?*%'"3EO&5G_P#&
M[>;[,S7(JN-@S!T]V7#+6B'W^6)NKCQQ<-?'&D3G4NL-@EI4H$G^P<Q!E$$L
M^OI>2.K#EL%7@@O2ZM&4#M&:!;Y8].#B(?1[KMDA5X/FA7\":E49)64N(U\<
M=#S[T4:V^9R'/V)0J\$M98IDDZ))$,&++4P7]S8*'+]GE9L6N5^SGQ`VLUFP
MRX-B%-8X0(=&OHY#9'26'IA&'Q$SD43:98G^P$=7GC;UDR&QC0B35B"4HK&M
M``D[;9H^T[#0*E!E#VFF55XOHU^R)0P3&4Y*YUPS!^5QMQ3K+0;2YMF]F7\H
MLA\!"SR7;VJ9G=;OURGM6D2!5`[HEGL=$R\`$A3XTA9N79KI5Y4>?)=7!AAX
M7$R7''E*XQT1*IKZ9_8.=&RSP^'Z]DR<NB_V,7HRN:=6H<(!;:?"]@3=C$`Y
M#PA4BT"6*]ZX&I$>?\,-;[\X>PN.TI<U<$:V^9VC?OF7;D6QGF.&@%3A-W"*
M$T3EPJQ@@KHTKN%0K9G^AJ:8=4X4M6'$5*B.S4H8A28SCKG7%/1V1-OYF.E>
M]&G59V;,M^'A7:NQ,T8&(*`-`)%SYXZ$W[+<"SE$BM#:%-E#HEF.Z6R\65%X
M1>'MM+[&8EJ3QEP7:O$E^8>V]WV/:LLKHO-S>=9\5%Z`/N;-V>AP[GW0J[GF
M77E56DT^:-AV$!#KS.@\0F<M:.S7&7/DC,MJBN/B.-%YG;%>YUH8LTJO6W'F
M8<87JA2GG3@&^PR#(BF%O8F9ZW9C:FAD\(-FFS-BNL)YPH-94A(N%'4\B1)=
M<9BJ@VKQ.O[*^UU:H1+1:%>L%YI^?5V`-'$G2):H3QUGO!3.KCK5:J:Z;8(D
MEG@I\=G[S;I66M+42<]&[QEQKC[T:A*O1ZG7(^](7/'/QKID1"GTB&O10P4^
M'LX`L/;5BMBFY;=XD@+&AC'P<%O8&QM;`_X7PH@I'D=1$^BHW`VUZ%3:-[S:
M*.@I9KE4(!6J?;;_`!]:L95VHO%:]_'UKV>+@:(`J3JU1[-(%R<9CH>*)F0^
M+5\7%-JXN;^**HK\?8L4E[^$H,HV%BX46(61,BY2:,,>T*M#F;E5\[G;O"MQ
MX@3<'O0JE/\`L]?BCH^`YV5^5R?"X\]%_P#+[$#;YEP:K[2EZ()R`G4\D(WY
MS5ZFS<>Q%W,!4_ZT+F6C':9`9E2"+$Y!.?(L&U#>*2SQ+;<6+*=^3JTLM/")
M5*<D_L*2U6O[9%Q$].$=(Q\\:^R\5J/+>W=REQ+\]G;<>3':XFJM5^3WB+,M
M2&5R4?9V&E'?E\A=OF6=AVU@-:N^ZGZ[@CE5M],24JRM+G`W($;39M)M5USX
MO6%Z$_3A:IB`%OSM[XVF7RC+8F5!E*^%YQR%'I&J452@<?\`=N^#ZOF@W2*F
M3NUF.UN@VK2K+T_2@<"D#[=7/5]X@\';$@@K%O88/>RD1]AG\0:MF!#D-N/.
MNM,.3!7%=B:C/V#,%Y[L09D4\I!%EB<P^?'W!#01&:158BZ-T"J.GZL`(77^
M<'[F/?BQHD9$*2B&^J,0D,JCO/!M,A/]UB\$((O3^?\`8@ZZYU)O64TAVRM$
MR6A`YUAKC-:FN2ZK5[,>$78G6R$J9VOPAY=+#+#BGY2/B>4R)M,C6]P!V7-S
M?L8:ST-?+2'U4+1\-9G"*N&M8IC8Y><5NBUCMPF1YG*NW+,:''9+3FW7/MC]
M<5]DCJ4-+"G8Z$/WI-E+P0SP3@-HG'HVC#LDBE5V"0-HKU_A]DL7T7(NY6H0
M@_(M9DP9*H'87Y\XO$BNO*B0U)2TL-NE:D5!^^9LU6<LCV&AQJI;=&S"E70O
M-IAN1?!E'M5FAURUM4XJHI5ZZ!0HM0SC1&,EPG_*)9D(7V#UCK<MP5Q\/$XW
M?V!7!U=4GP\!^,)/&E;Q9&)6D"Y%AC97S+[OHU=L(*)`"/#YMJGLY^21*#O2
M&TQTML\1)=7(^C(;?,N70_;4;7L4HF\@@IDE5K39;\X%%#N@WY-YJ%0H&R7*
MOD8)(C+B0A0S0A.=1B(^3SJUMM3HZ7><0IY:!%'6G<E\3V2<[C=PT<S3X==M
M=-OA;+IU&GVI^=!(7Z%<8E,%@PEE`58P5-JL9$E%3"1$"/SGY#_([<5;OTXH
M*:T(5AGN2UMUMK0>)EIRL5FV"&NB+.4L(N1-_MK64YGKA>N3JLU%9(0(0T#I
M349,YQWBW9L-U"HS:%(7T'&ANSX,CP!X`\`>`/`'@#P!X!H;",>@'8G!Y@7Z
M[UHI54632)]9,*S:0=K:K2B`#L!R<H-.+L+DVP=,'LNMHD/+FQG8;74*XEE"
M!KU>9V;WJ_IQ5FY5VM0;*&KW1'=(N=$"R)&<]OMD)4FM(CEI],_%+2'F25A"
MTB/&88EN19;G!3:7F4*A?1D$I=NAULWB_KXT<I4LWSJF8#8"DN#-WBMUH!2*
MW-B1GA9,3325L:D1!"Q+!T01#0(*D==Y*90/B_:CC4>/U`/=U=23E;#Z(/F%
MJ-$/7?IPRHSA#S1+^GM3RS<R8Q(-9W(BR4(=GP')=F0ZXPM"XZ?Y#J^=XE_O
M5AZO,D&9:%ZR&8^C9/G4?-H^<>OR*S9;,H-_5H^;U<Q(LUNMKKZTQW$#116K
M66D/&)DQU+:6Y;B)7'5.\<6D&GU?5F.6?]'K;5X%D=*>O16JUPB`.0"KTBF)
MAU\M7XUO5792'7.M.""0V$!.H81WXW4LQIK?$_8EY/@4E7S,5'/>AT^8T+&R
MO7LH4N-J$:#&"#OZA*(';M>P]@'"[&@8U]5_S]I"3"S3CRT(6]'?F]?[]BY'
M>AZBJ]IU7TT-9NNMSK1F=6)67_7\@^/#1,2M=FI0K5;CG9Q1TT'L4"ZTZ>-Y
M9#P"60D1VYW_`),B#(CN*?=A.K!*19F)EO4C/*GH1#">5&QS,#HE!S^^68(J
MN,6&;6Z[F%9L]$@3[T777:T3@SJ-/@2F9*9K(G[E?\EM_%WC8/=W+.KJ_5;3
M8MRC5AO%;O!I4@B(O3`V+4CD,`[]F@02D0^VVT^Q'9[VVVF,]\O/CZY.*LJ[
M]ZI:/!-45F+NOHE4JHPU4K5Z]TL2P$[9Q$D,FD0WA$>OWT@W"M+(]^,OOY@7
M5BTAUER0RI:CSSO?HN0MSZBTEWJ9RFV+U-S'-06$-:#G!.LT*%0@?0ITK6IT
M@L1L,IDW5"[XR#&C#"A6TFF^E$+@14L?D?>ZVAI"/^`4D]3XUHOZ=8Q9)5XT
M`-C@O4:WGV@7<4S)%U%K1IM4@BKQ8;>L"W,0S/=<-Q)]A_\`PT=F_D$4\ZI"
MI?@+<].QU!-J]:Z6`PK3)%*RVBWRPY/60^35L3-SX79(6<IB5V/RJ4PK+EUH
M7+IM&A6F*C[6'&X<5J4EMA/%RFVG@U=5V.I*(^FVW:*^%,5'']#(6N#4CXRW
M%Q50/C=!.Q']+J(X0%?EID2;0;K@2EEOD6VV\U_$JYWBU,)[]H>I>)D3IGT6
M*:6WG]@G>N\S68-M#,HK4Y5,7<XEUCDS-A#M=CJY_)L'&3%YF/<3WO'.2#W4
M*_YD$I?#U4KK0F%5VGU1@%J_&I^A8X..WZ0]4:_%#EZX/+V-ZO'ITQ8*/&86
MQ-?;'V6^.NMM*3Q'YAQ*D?5R<W\PE&0<%8?0T6P/'@)WKD+8TRUVL-!@16Z6
M/3:[=8&!M1M@S\13;/9!$[$L<$:ZTM//RV2,9A/%HDLI<%]7F=74=B]&M`%U
MXAH.N8=-=5&ND*@V2?:*E*,A9CT1%?L1*FOS'):XI9E4J,B.\VVKKDAV+\/W
MJ=8^\$I=C#A7_P!?.35VJ`8QKUU"0\2<J]AKTUR51XY&N%[<(%J`V.'+@H87
MTU;Q@Z"]Q4;GUDMM1%<1]B(O$AZGXDRSRF>E^OB-%IV>4'';=7:=>7:Y?`HR
ME!W`$2X.LA;ZIIMMP6V-FL2$FXLYM^'UR(XIWO4*[_SYX%9(A5:UKT_V_P!<
MIH$5:*%0:'MX:/EM@K0V?4Q!(.;O%(@U6-3B<2*W,#1K!'J[48>REUMV+UJ,
MTPG[VT)1X%))^:.8?>/1Z1#%Y?5!F(GL\M$:QTDR]7VZ3)HXI\*>!GXE1-_&
MOC;Q&QW&]HDC&FDNN2"SRW&^]D=^[P/5U[F`K$KT<:?L9(Y9\EZ^'1FNGLYY
M92F8RHN$P:M3:=5*3"JHZJ*E#0G8\$^/4CL>5-?D+.QT-NKC28;71?46D3K_
M`*4HI@O0"`G"$4+3[$3-!KBW%JZ:U;;'I@IP6=-#SD1/($E^XBF5_G2D.<1)
M2CKKR^]3U?!GU="JMVO_`*)$L96Q;K5D9_,/76R/3FLR!EJ2Y7Y%HI-(OH\9
MG*0$CBA7W,0HA/C$9OX$1Y8MS[G$)B24I%2E73J3[=['ZGT"%GHC3:/F)8Y8
M[G5CM#SXB+I#9UZPD9@&I(M8P<<<@P8W\'!5';D2EN--<B1/C^_J6N)2"W=C
M+3;3Z8S:_%)V5[`X$'6)9,C+AF7L]=7:#FB<52K2LFY#D38)PH;>J3@HI*2]
M(;>Z)6VX\I$;O4B>KS,%!N/I"$#H"TF-A1<?7TMC'@5.1GW6`04O<+'F9N:\
MER3!'M08YS2K#%E,H<5,GND"<>.S*E/O,.B^KS.AZW!?62V:(7]F<<T8#=#.
MX5!2`C`D=1ZYV'4(/:E9"T=8BNU:M6HF1A_V($J8_8%S2$-F1#1U3?7U*?!U
MI1]C!(E>D!^-NCMTQW*:C186O_T/0;IH];RH76-'UFO$3_24!4)9>;:'R`*:
M>(R.K,C1Z9<,M)G1OR(,M^2X'JT)T:%>B""#CYP=ZW?RFR0:W6%R),6BJG7P
M=-*MCJH.2^E'7R,)=@S]IN&I*OL20$,_8KC\=K[0]7F3W(A_JS=CI#6\1@8[
M9;(,A1Z$0T*@1*R0,1!L40!_%KKMB$MN2DP'0,`7]B.._'(AQHGTZMIEC[!'
MN6CJ;%>"&I=LKWI54YMOO]S8P6MD3M@BR[A:C,^IB)<RT4N[`B#'9A%Z5'=;
M-A=&;@/+;0I+W\TXA2T]DN_58OJZ:F6N.@>GLTQ++WJYX%--@F*4:FEK$?I$
MJ4'9L`2S"J`3=(S93G\?TK6=!+(&N_>A3@TQ(6WWX)*U+!;NQ70ZS?K]INI6
M"(((^OP73PP4M9K+*&\KJ)@$;FQD)5#2B)>*A8T)/K5A)0XTB'UYJ7R:OZK:
MZ[Q:O!?53O0[PZ'Z,P+I#F\#X""MEO74Z52BLF=G")FBC8H')[-5V:*F(7ES
M"(IAM=3::3QJ.Z[(AC.I0XU_&NNAZJ=Z$JNF?^HI)K^H6)O)Z^4!PKBR/0/.
M`JG;:LV,I5)K]PE!I8^=`-!GJ_3)M9_*4WU/(;/\2\OB?MAKX)62U(3IM\])
M)E+"66Q2L<U;F,*/P,]!QC50MEG9L&<"1-G*U:HQYQ-;T\^'B`!I)R/U:OB7
M$B35_133+R14I="6J>]6_8O8]!ISU9S_`%"[9;0@P&Z6)M-?L*!HB]6/0`KV
M=%Y<&7(G-D0I>A3GW(<MOG(+\CBV.I?Z_P#:'J2+<AX3C$`1'`P\NHT<-%&N
MB&!J*V,_$0-D5V?49,3K78_>.-2ZR4E07ON^O78\AU"^JXXKZB59559])_6D
M#4I]1)Y33[E%,VHY<CY&VUX,3*'SQXM:RDN06?3!8;DL\1=2<;X?LXR['FR$
MNI<[(?ZX&YDYN'KQFUM[4FOX,6!A5B_5'0)40,"`MJL,^B74EJ58&D9<L;*E
M1($'5IJ+$I413$AR>VKZN<0^_P`6%62>[8ODVDEH!V_9W4;>8&!3M:AD3X2$
M1DHKMFB.03P%UR0TO\H,3CNJ^2*[]['W_1SB>+YQ7`JT=$9@F*AQ#0$9EM&A
MAV1JA'(#5<&]9<'K&W(.\Q)ZMA3DOLH;HA]IY;O5N/I,S?D4KLE[JPJSOOXQ
MDLJ,Y"DYO2WXCW%\=C.UT8MESCI&T%W.+;5'ZE7WE+N8D=_^;Q.2K_J\OO0J
MS`%?7#!S;I1\MDU'G.F7K%()K?!Q>]ER+9'K4>QOKYQ*4I>+]IHIYY:>)5V6
M.CR>=Y(:2[P*LR8'"<;J]QAZ%7\UIXJ]0*Y'J4.W1`L1%ACUV*/%B&QC97J%
M2^-."@<&,ZK[OD?CP8S;BEHCL\0%7T.N[Z_8B_:8%W>RRD/6T7:2EW''W0,%
MPC#MIKHYTH?8>6VK[",R8(BRU+^G_P!O,(E<^DE/'?`J^A@Y?K/CAC3;OK-G
MI@2VVZ]`A-9GR;*)&%&A]?%A90)8D:E^)U;<4C!GR$O_`"*<7]LEY"%);><0
MH*NE#-2O7O#)Q*Y%YV29].(Z'-!DKO)FU81+59Y];-0;*$F%D2(SC4F0/L@R
M,12KJ>=5/8;D*^YY*5\"K.$YZYX-93S%HL&0YZ9L$>/9(C18C5Q4J9QFX/V>
M19^*<=CJ^1PT[=C7SK5SJU<,3D_7B9<CC@59"-M]3<LVBB$Z&\&`U&*;6I@N
M7$4BCF"SPB7.MI(J/@KM(`U%%29I.]%I:9;+7'VY4Y]7>K;D2&G@4FG4N;F:
MT50VLBI=8$DXU/"0:[75%H;)*2-$#Y]8*QHC$F6AQ[B>%J4)EJ[]?JJ2.8<[
M_P`VD]X%61#_`-N>#?S7]B_U#GW\W_#H`?R/]8%_/_$())+HB?\`VO\`9]$D
M4<<XOZ?)].<3]WV<^WP*LF5;S>ATXK;S=6J84`4OQ+ABXRA<-N)_82O>REND
M2#+7VQUS93TY]U]Q*$JD/O..N=6XM2NA5F(8Q?(XW4=CYK26OB@#A3?$5P7S
MB1@E%+:&0.)_&^GX<!O.0"6F_P#TH2'A\YSZ,-_:%68.M>N6#4Z//BU;(<^`
MQRBIBB#0VL"XR9?)[M:=DM/?9'^JH_?Z8(0AO_Z-IH5$;0E+<9E*`JS'2O5O
MUTFCC0B5B^=OC+"7EG2T%=:'_C22I`C'+3Y;;7&N)AJGDHJ7GD,?&VZM2^K3
MWY'/N"K)L[D>7/4DQFSF?5!5`L$?\4U3OX`<FN$F.184)M$D4F/R(OK$4;&0
MTK[>*:Y';ZCJ>H3W@5?4PM?P+%ZH62=KN:5$282[7I*2,44SR3R=51+H(`4^
M]?W_`%,#PSRHW)G?_*<9^B5N*XGGT"K9AA?J_P"NX4I#-BL7SJ"5'#^B8$YB
ML#>/01W9*I7XD3O65)C-(7U*$_9SG4,--,\^C++2$!5G8M/KWEQ\"L6+J=<J
M9>&)2-JMI"UH`X6IC\.M6>I!20)D@/EC>O`0=R)L1F9#+T7XIKK:VEMN+3T*
MLS\'&,QB9W2<J?IH,O1,[KHFK5(";'0R<,4'#5"50H;+++['6$+_`*C/D0%]
M2A/W1I#K?T^Q:N="KK7N9$WE6;62M6"GG*16B58M)EVR6$)(%1>P2UB=)1C*
MK!*;0A/5'$F(;,M$OG>2$26D.I7Q:4JX%6<55R/+J*V(9IF?5"K-5_Z\!M`0
M`T6V(YVN!:?W@Y$..TF)S^JUP>.^B.)Y^'#9:_\`0VGG`JWU+$\$'@#P!X`\
M`>`/`'@#P#S;?]*L^)U.8!#Z\$)+YH!B>Q(.!AI\3%N<[.:YG+`U^%7[95B[
M-EKO]::)CW(9."5@DTMNLN-J81WP;W.M2K[OZ$Z`NP#:-5+O:;#3-+E#R.\:
M9=(M'GSI?*Y'U)8F3"^A*+9$7244T5]^0I@6_!(K<0MR1!^)]$V#<NIO/1O7
M]5#U8EI0VZ2ID4]`M$,Y6IP./U#[QM=&6+E#RS$]ER`H/_3W4N)6Q(_+1,YS
MZL_!SKE,MU-=JW^OY@;V_P`FR;/9[>7OE9-5.:?(@TJ-NP2K=28_F#9(I8#D
MPW:)#-20J:^A<2$^[(7^/$B,I;82*Y$TJGJ8*$U/9LAL6N/62%I>-UG(@(R%
M7Z[7[%0LJJ,:^@:G)<0W*)N6LQ'3='6Y!*6PU#F2(B>?C-\6ZWT-W<KFZ?KX
MK%O9L]ITG7RCI^R!=#*Z`<&@!=0J4^[EI8F31=!_A>%I;X./D->B%H$6/TFX
MJ5&/3G9$KCO4.(%W>"/L5ZF9^V/$"*?N-1KEAD76G;@LU2(*8YV%$#5]`>SF
M<UE2=(,G0`[28KLU!B>4EV.).@E)D>2W(X]QQ`E60''_`$Z/Q=0H'15J7/\`
M7K(Q[=DH=F4W02K]XNL^SX!9I\D&2K9TL1=JTN9C,I3J9\<>X.=FH:C]GM-M
M.Q17+3S-FZ3ZB1:;C>JXBC0R1.JZ73ZQ66IKP"$P9KLL)CU2QXF5:>1/<A$F
M2XRD0)C<93#/XLCKR?D=0M'&BT(Y5:?@9//?7VO5^H7"!2]7*_=IF3/T,)=*
ML\'CE@L=-RV6Y1[Q4B4!R3'>*BR6V.?`[S[VFW(+#GU^YQ?/!&]2B(?ZYQC-
M6LHV9JLR99C]JI=X9+-UDK`K\&QTNYW2V14/"HE_3<R0(@Q>)<-]I=E00[Q*
M7^3OE^O?)0UN.&9^NI2BA(B)VB<%6T+$@*!+C4^>L]D8066@DQR,V.\T!EVK
MDZ9$A_Q585&::@#@O?Q"$(OQV6N51O+:TWUMK?L!<S%R`Z\PQ6K"`I@FYA*\
M/!65V<9HX>^$LU,#+2T3^6NLQFM95/F0_@?24C-Q/B<C-.R%2A*T5":Z+Z^5
MG5^"ABKP]&G46B?ZTG(@QA).7'_-N.+:8W)+QG75+A393>5P>?CN<2EV*1Z[
M].\XWWH)T*HRST>@9-IE:V=K59[MGJ`HY48(UBNLC\]"9`>-%+"9RJL5PS8+
M'-J-2BDNCI@[K!+JQ$@>IJ+\8N0L8@'*JH30WZA!#Q6RG8^@V$3+LUK.7%B<
M('B$S@LX[IN'Z>AX-.>1(0F2.(8A#:COK0YS_P`KKBDJZRVGHE2KZ-^OV/5F
M;%)*;-9B]ELS]8ES;0/!-#R<8A5K/B=FB&X<H\=N!5VP2Y>)1'7Y<N7+ZJ;.
M>?2E*$,L(%W%%'O0VZ@#(NG5Z_D+Y(U8_0Y6[V0G'K0UGF;T*W8V4D26F;)=
M[#HL2WF6,WEJ_EHJ3:9I4HI+J1[;45V.-;B^,U](:!D<ZF#Y&DCN6-*J#''-
MM"DB2MZ3CUJJ-M"3)[%BM]I+&;&P`I$"#.?ANLQ&HS"%QHD1IMME`CE7L8S)
M_1#,L_.0+,#TR$?C@+2,=#E'(291\;:(5>A4RYUOAK^W3*Y#'6`Z'C2^CH8B
M%/B38R&79,E+;2&@<F75ZWX\8QXB2KU2U*L7S)8\-D>8@?QK/;H)T:KT3'LY
MA0WRXLM+$-"V!%"GS)4-R.Q+9E%&6O\`+;'W+&6Z_4UZ=_7\\2C!JD1]DB1"
M?6*UG%7D!6*@,%QY.59\1(2<X49JH2UP(\^Y##'3+48_.1)'+9F2FVQB7VT2
M&E#6[R+$E>A%;7;LKOL#1[`/MF+PZ9W/Y_`8B3#'F:>$.U=1`B*><_$*0#]7
MM).!+B*^SK3<U3T5Z/+:8D-";NW8A=@]$44NG@B=#L]MM-RS6T";[2!D0736
M'B%H$#?7D",Z08L)^L`R0Z%&P5A]^,^2@=DMSGFVY+#C<=U(*7B2)_TWNU_]
M6L5Q>YZ?,I9^J5<A!T6.`@\+UFRS;4")P3#,@2.*U>!*(5R>65(%NN?DBF)3
M?5K@R$_%\8;O54P5[])*D9012"WIFF6,91".,EY\ROU0\R,K^L$MD<)0I8.:
M5@,PK195[FT@0Z^KO$OP&/\`L2T2WF5BJ3\"[-K]4G]<L4<M`TN93A9*KY_4
MKR';J0FPO647EEQ,WBE=%%9\V,[5Y#)JQSDSEI:E]EL.-)1\"VOD6(I4*8G_
M`*VZ+*)MEU7::4=CV@;.BAK."?GU5BCR,]74;UGO1%;LU0GR1=VM)<W9UK=F
MK99*FGVG8\J'S\=0N\ETOTJ##3N?FNZQ,K=;HX[/@Y$?`"Q@\K0YE,VD-J5/
M8OY9P^H&;@A3;#L0"RD6S/&22LI;,Q:)*XJQ-W8XO7CU2N&/ZR7M3]L=>"U[
M-\7R</-EC12TWP;1J:3`W*S1PD4G-=I9&UCA%"'37UR'793]%ZXW'8CRV_H#
ME5'4U_T+A;+I5FU"R7\8V7)D`/!`&)0Y@VIS``FMZ)390_4X-=OM>,ZB<?J&
MFD!D4GT@*5#@MM,=8>8[(:D`I41CY7ZYL_7;TVMFT.38Z-%M-ACU*R`'R%3&
MYM;95,.R<F%C*]9JBZD77[G4G2X>1+=F1HD@I*0_"E(^+C8;M#9O#,$&X='F
M1Q]D(V%,RE9#2^J(0HD/K<?(Z'$HL&<GD3O4_.:CQ.27D?3B&G%=2C_CX(W4
MO[P0TC9].Y/^V^:#-T[DNL#-#-Z16*4FBP&IHTW:M`JFD61!:V.'I*S++ARK
M<:@=:@0>PHSWT7^0ZCCO1K=H53W]=?&J$&S%O6(A*DURSUZ[B1%@HAWCLRRM
MXK(P>^1+.5H^J4(L<I=PIT^2[&&-/0Y`V4]\;DR:/0F!X+N[EAE_2T@T-$#J
M#KTZC(&1M-A.IBUHEUN:,T3V)"^P*@/Y%:O--/#P371C]>(HBSV9A,5+4I,F
M(]SJEB;O$P-(_7\$IHT%![I9(FZ%JM1K/Y*JJ.B\?359_K*0Y+0UTI*7'X0=
M]:HO%-_(O[.%%]^Y78[?5@Y?C\_\)(]7]%ZKJNT2=BFW@T(=FFLS*2ZS%$P)
M,!Z)542QNE".3G)#4MN'M58%5<:5ZGGW1VJK%6W]RG%<2"E14(W6O0A(IF8H
MWK3YH@G%R6`@YL&AC038W/6J?7:;4GIT1)XCPK;A$$,\Z0GI7%8)N2DH;BPF
M&&VNAN_G+9Q7UJL.,VXF;A:?#-UZ2-`5`977<_BCI\+/*S8]IMXH*0LC5FDO
MF+-VQ:\A;Y;L9EIV,)XCD)#TN1)\!NIMKX,CP!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`>*E<]?_`&`!
MP%F<RQTCE5MK8+0ZS9C/'\X@D=;N)C2;E<:5<X,2&9*Q)4>@05][%-$^1B3S
MME6TTCXVI7>0W5$H(9Y[J!+;<VY-HW>PYT)5FT%RNU@^.7;KEDC$'+%6!^G:
M25TV&D7L0L\/LO2B6!0<B5@S9/&B2E)#);HK&GF<S.=>UU7L+\&@QO85F*_J
M=OL52F6'3!1JLPI5CV,5:SQ#24V*YDR!>BS,"F<'"!Z&Y#4"PLD4-1F)BXDQ
M0M8]Z%O^OSNZ95J50JFJQ]MT`+?\OS.ON6ZV%?YP?1M;'YZBS7,0[T?:IP,X
M$.3@QZ;-L"Q@UX64XP(:<F0Y8MJ&,NC6G4J2/@'L@`N=RNF>/ZP*N82\7]BJ
MS[7I+9BI6(7?O;"U71MPF/*GC+AO/PV,VEAR,/?0VV,D?E<C1N3&V^^"U37X
M\"5@<L]@3GJS386MC+QLAVO;I1]#T+([K$`P+):J)7$ANVBBQ'CNEW4#>8@R
M],OV@<V1,QH)/D5L<RU'B<BM^!55T\"$7W"KY;;KOABKXG:1E;T.@8=,J]`E
MTO&Z^'/5&E2J(3T/(R=T8+N6BKG;77J^2`?P"Y+58>Y.^]]SB77G$BU5%J6D
MJG:[7\,VU_+<>N&<QM5WX?8Z=FU<*BZO><TSF95LZKMGM(\#1M`J0Z*6/72K
M%#BPD&R#5K:,*?D/)?5*C*$JJJO@5LQ0_>&,+K]CLQ;;"CUA9"<V>L5R_P!6
MC&8U<!_^V/DP=E<2`<'":Q:23B;XY(DCI3$F6SV6A,G[^BN(#T_C[FR'KQD-
M^J5=]08%GKYH,YGGK1I-$N_\F;#3#]>LMCFXB\+&%"8*>]&('9+-6GJ?F#U.
MQOR(RU\<YQ;?W"-K6GB:;JSCW2IF),B*,,]A)MGA5?-J=6HQO5D'#%5L=(RR
MUR2YU,1W4@#-F'6_:D18DB<7,RH2!"XKKL"5#;<B=&JQKK0LRPTOWRF7JO1U
MV^^@J+7MA*U"$<!<`6LB=IX,T-M&<:I900^_453X$^,MQ:OGHLQR8VA0.(^^
M+?1UIU`E8_<@-?Q'W0I1;.QE&=/YI6UNUZ424#8"VF'_`'H!E/K;61:+[!B:
M!64/Y_('U"T!7GWF#<>(ZI<I,!4G^.?X+6/?\=2P\]R#9)&&:W_;:W[$C[6<
MWKUHT"0R5TP8G6K3`SX=ZYL:Y*"62I7=OB0#Y"FV),(<[/C(DL-_9&91$>B-
M<A&U7MW)54P'LM_I7V@$Z!6M<MINRX^U5A]<L1^F')=GW0^SI@30BN3IY961
MM?QV?!,UE0V/+?&1HS,:0I$5EU,CKU&E4:]VSOMC6+K%`V<-[#`,_LUY!4$3
M6,@O85!8X3JN<>P\@.]GED-Z,I<*OF1%;K9PLQ$AU6'&ZWR(IJ:_'ENOB^FF
ME*EC@:/[Q72^R`VA3-5IM;F(I$*_E:3?X0@22)UD>5C33U"L#5T(3A`^Z)5'
MED8@4'7&8CCJ8RORWV5RN">FGF7%=L[]E[I_H:+()7<$J1F&;B]LL5,LU<J5
MJ;L<:&4(76$FQ"G&2L1$L\U$_(_BUI97SO\`VN\Y]>\$T/K4Z;I^@P/42G6K
M+C!*UPQU,N>G;E##T<H6SN^4MBIEX-8ADVRT,W7/[3ID=@@:("67HG08>7#2
MA:YS/6P5-2ELE]8+NU2*OPEB**/(INX>F5B&U,A(J"WXEJQ>+4JMMNU"E!#1
M`4XFQBFYD9F:MWA4M"A*D+9XJ0WQ0K:_G+XP:$8H?L5MATKFM\KE?WFV4^N4
M=^?1*!6.#Y="`;#:;4\5A9H5FC7:+$;7&Y!M9WG+$;*G$P'?EBPX2F@>J^AK
MB*]?O:BID+O:\QF:L)T$<<M0"KR[KI3%@K%C@V#>?:BU,$ST,V=-*L=2#5"_
MUJ2,9F<YP8I]SD>.V^V\E,%5]BV1M=]I1'K3FROY38KEI@W;1MBFTLHVU4;$
M:J'5$&I&<WN\-;%93PNG1#+W9Z3Z#))2^,1H[X^0+4[%71I7R*QIE1]Z84>.
M_>SNR6$I+-7_`/\`J:!E!*T'J^WJ%5N/GEN+$7=.-S;IZR39R2C\D9";'0(;
MJHZ5@U-==2P'I['=K.?>Z\[HPN/,;H`&UR>`FTL!HVBUF>9EFG[7ZTP=!>U'
M@HX5:M-76U%T.2+ANRGH[0R0YV,RWWHEI@*Q\C.8YCVZ\SG7)=OINDR;]:M4
M]1;1,1JEQJ9@M:#V6E,?F:L7"DA9HS"#T5DY62CPYA?Q)2PA2H<5,9<9CQU#
M:T\-2MA8GW6:JEQMU]*:OG-<`CKS84"">H5P*_!_GT>L$:QU^#:;)H]I=(R!
M`[_9<>ID"A,<.:)J;FM1AK*AJ&1?3VZD;H2/;[4AAJXUG3-^$921IVH1\F)0
MQP'1;07K<#2]<"0`]I)0MCJ@]^[+BHK\B`9B-R24L)';2..LN.2GNAZ5X5-J
M<UHV[MT7:I1FGW^O:'?-<]9-`CUZU:,WIM>$`X=2]=H>B!*<9LATK$:;JY.I
M61J=]&8KTAQM#[77G'&GNC+I7R*@&T+WCK$:@062^RV\I(!@W2<6PWT0Z,CW
MBXXA6Q^@6JP7&':![HZ-FNCQ9LH0`=@E*Z0?DR6V8S"^094<7T^1FID'W%L\
M:XW696]T&BW!D$'6:%(NP.OFHT4S(PD!;;>L+GVB!YY0Y7(0JUDQ4%%C&NR.
M//<2^P](C]1!Z5X&$%T'WL9IPJR6(UM$ZR%0]-"Z75Q5]IL4JBD!Z+ZRJN[6
M<0FCO];KVL&BXV_(BDV9R7W"4EWZ3D-+@OMT-Q-BO5T![#P]?U<SJ1G28V?R
M83<;/ZC=8S!6`FLKDBWL_G?VI6DV=]%Y`U=J1!L4=`B"],)NN2)DN:M$=]8C
MI33J;[^#(\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!Y@@_V!6QQ$TW<LMH=0I:
MA_7Q)Y&I6>PS^3K!5]8LF?Q3($7D?9K:2JL>EQ)R1W24IJ46A(B,S.H?^@WM
M_,KZV_L,OZ8>=V1K.8=4##]:IM`O#"KA_P`"5FM+WL?0)HBT/'*1%5GN4U.T
MY5%.&+'([P@/')<XY!Y^,^ET7;_-_@+;S7W2U/6-)S(&$R(+4\]M^OV^C2K5
M;B-TC3#U=K%1VF9)_IR)E*!CI-Q%V'(^/3F6W)XM`\I'9;FJE)D\CB.*2ZZD
M@UKVXM>5:GI%8%TZ+<0M*B1;/8E'KI"K;8&HA:SG),[RG0!=!)D#5@*.W]'6
MHY2>B/\`+'[W\F.TOB$B))F2]P=MVO-+'2JIE<>BMQ+15G;"\2/F"(VQ?V`1
M[!^M&>P`D/G*Y8`S58/"=<EQB<A33LUAMSCT='R,I0\$4GU.+$?<NS[#K[&8
M-XW/A#@\`D,T&YBBAXN#JUW%MG7%IC$)-+$@2%**/5]R)"D.SXQIV8\GBA:&
M6W7T`XT5:D5T7]A$?.=/N&8$,HFD2M.G&0TIR#;&/G(6*-(@7.NUZ#`6#ZKI
M*R>N[1B[I^YSB660KT7OW<5^2@-NE2)%_=[2#JWZ=%IE6J9X$[2;#<+94;\J
M]"V`!NX^LTL6&I;$VB"D6DE8:MO281%3_P#'\'O1'%QNR.2(RTB[5^/N7AZE
M;[==RLFIE[=VL!P<H-BEKSBHU^TQ+4L%6M#SE-T3'-S^5^O3&;8XQ-:41A_2
M7'CJ0E<=];+J>^"25"O;)[IZ)1;MH5>L5!SLN'I^CW1EF4(O9H0;5E%3)X36
MN=CBBE4F,6#69AK;F'T"V9$:`Y'C)9Y)2])8ZL7:6_O_`+0D\9LYP*,IH*Q0
M:3CQ#9+C(.75=4(RA#I8I6*^(IL%%<.M%G4V(=Q9R=*=AQ0@YUI[OY"WD-I$
M4:_F4`8_81::JJU2;'CU<D",P?*UW1YU9TZ85?EW.([O;$%C/(TNA#HQRKNJ
MPU79<V?(&R(;A);/X[KD![Y1=OYG4K'O%;Z,[M$37@M7L1>HZ6'8@Q<_O,4\
M)8`V2W5&C(JU-ER:G6R-H(!$37B7QR([4MV5([#7]B4I>\#;W1L-@NZZSI^F
M2P-QKF1!*=+P'+MB`KH5]L%Z-_FZ3;=%'Q(4DK,J=9!$A,>OU%CKCT9'/LF*
M[UM3S+J>M"-)&;POV79VS0=FI(T(-1`SE`(I5K6-(6%T7<@!ZTZ=26WE,6&H
MUF5'D#;'E)!IZ1"X1&/=7]L:4_\`"M:A&J&F=9]NM#&^OL$=;"`U_9RKS<CM
MMC6<>8_'F6_/=+V9HB"#$J@!ZH0"%53^&9C?B<0PR[]?E7\/>NC6W7R-L0>W
M7@3@697/@T;?+I>=0#9RWPX;14AJ/[1JI&GH+S)PFO&?^%>#H^9,=F']\Q3'
M&OO;4YUU(E-37.N?L5LEHK`$M,PPW4&M6COIQ0I//$1W+F\\.IUJ>B1&[/G\
M#[3-0S@\9-$G&HY`3WM7FIC2);/_`'4B[3&B?V/6SE9*6)."6,[517(%."W"
M>>FAE6?5I@&6*J],)27,[%5-!;3-7=$AQKH9Z=':9+HDR&HJ_BA.!M-F`WMQ
M'LGK?8/8D+365B6K`-J]0'3K,U%'FBD^P5G/Y<LZ?2)>17`==TPO/'D9*8\M
M4>&*=D\0I2O@2)MUH8?URU_2-CVW4IEE2)"5*D9]6JK$JE=M4H\%3H(K:/8'
M.M"LT5<JF@G3`HS-R1G^*FKDI6W`3Q"XC+[DCZ`TDO,K81^PG[QDPM8L_K@R
M++QXMNU:<@:2W-:Y2NTK0;=6:W;WYE7&MUS2)*LZE,$QS?Y;$%,AMQI^3]KB
M4B[2]&/9<TUZ[7;>BU%$0^AKA<JQ5:S'N3KT8E&!:?*R<"6MECE5J"S5621R
M'V:2^&,00*'JZKBY+C:D]&::T-6K+^RDU247>=8\<`S166=+UN\IJNGR#!\E
M?!K^_P`-M5#`+H<=\YGKDO`I/7BDA<67'9(.*_#6H9*0N&MIFC7[`+_7:O;B
MUCPX76#M.K`HBFM6"TZ!#,W>P32&WDW(52!-XZ]81U=D9A@Q.Q,D#D46IJ/(
MYR4RPB,XXY1M3Z,XQ7NIJ;]P:#RJO0I)*XW[0Z'EPI%VE`J2R-$7*BCJX<U,
MW*HINPB+&V%-R4KX+7)@292V8Z&.KD-O,*C:J'59_8);+54BEH'X"'GTXG55
M&A*)E\(&B30D0#P.PZ0?N57#9X3F/5*I5[=%RTH"I-DR<4"\MJ'_`.6REL-O
MYFRF]^T8/#Z1FMEK8T!<8UT:AF1X4>0.Q/R\V@,`G#]HJ\@/43@KD$)#L8]2
M'"CHD?WDIEOKZ5NH1X(E5FJFD>^VHMYQ=V@6=4>I70EF.E:-1K!-U1Y00-2:
MK7MD4@P6FD<W_%;T=!+)W9$0/\$D6ZQ(^YV=Q,61Q4*HJIM?[`>R)O$9=!B#
MJE7K5'-4:^:-:I1Z[_U`I'J^;%,N%FH-.#-UPY_;;H8YI:'(4);T"/U<3K;C
MZ.O(4FD2J:VF/V,'ZQ7T7&PXZ`Y7X]7$V,E`$:@]+M/>7J)KQ+.6PXV=1!L,
MG!_C\A>78I?7VF@_)KBV?S&QLI:Q=NM#K5GWKM=#A;,G7P==LARDZ@F$S$HE
MVA&!R`AN\V"G-5>G2)%6KL^QS:[$J3LS[),=J6Y(E*C._'QGYE!MK2ALYANT
M:WHFGG:U=P./B*LQAF2:J%=SN^6&]$UD=,MFK#$Q72\^I5<,3",`Z)'5Q^.V
MCO)2E=3UUIU/61&DE55ZFW'@R/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`><6U
M>W?J;0JWQH35J3JP^49NE4M0(+5'I<"$$I.3ZW=C4I3,.CV"*>%%0=2-AA:T
MM\$DI$N8RF8EIJ=U`TDV6#6-N]2853$@I,+(JJ93%J067FH:O-N#H%HNE<LB
MHE+!_-2Z\DSV/'FG($M;<!C\'[YK,YJ(M<AGP*2ZZG%7=G](X;1(DRQCU<L8
M&=4-`LP\13A$\F.O9>`!#!9HTC7*](:N%Z'-:%`'H?$+FSV6C$=//M:FM?(%
M)%V4.^>OVYOG"%!ETG1ON#U^4=.C@#10=.%W`").!8DFQ2!?1I1V?7.#Y+D+
MDAU]B*N*I]MM*V/N$::ZE-G_`&0QPGI(J%H67R&*B%TNSY#1MYN0BESZBC7Z
M^S^79JJ$_()3;G6^.S*Y)B-%'(,:%+(A7VODYQ$1R0+1TT)!.V[TRJ-O)6"1
M8,F$7>H!R@F798=:B?V`8.?OC=?,5:#8AX1R8_+E7ZP-=?#Q7W)3L@BU)4PI
M$IMUP*2,-K/L%D.6[?7Z?8J16$D9]1C;'9]'-QHP/M<A<,1,C#F62DZLOQC-
MA9!6$E'6UTE%),BTKC,-/IE=:X"3:)Q6K9ZG`;6(QZG)R,/9'IY2$(IU8K`6
M#%CEFW6;K-A(X)$-!1I,A*K_`$FRRMQIZ>^*>>92ZY!>4R)KU*T=T+U%SG=U
MUZO5.I";S1Z?K-LMAJ@U":U_69)`UB8^U19H6G@EMV^Y6E^W!?R'(S4XG`0U
M\;WQ<E]2X+25"73=,],#)BI65^7CEFL]PNC!>EE(53%6FUG;V''`!;-A"*'`
MR1Z2>"UZ1`^I)OGR1!+27>NHB,*6V%)>="=:3;O6U%M`!]9E9=(N8N6\&K$>
M\BPD\P-E7.DWBQ3(0)\Q!D.PN6:AYP?=?XPM*)4(5)0Y]W&^H\$5>Q@*1>_4
M^?6K8B@NY4W4<?`QRUD8!5<8-`5&L0&+:08)0X[(:+!6!'.+/M\>@I=CQYR2
M4;O4R42VN`U+OU(E#L'IY7KU7:.,IN*CRE+L`(3G7*W3:E,)A=`NKAR?-$TX
M#7@<DU7I<<;2D$"!.,TS"0RUU;SZ?Q'>MB^JE3"9COWIR&ZT]7AN?Y6?&3:]
M2'FQ=&C!8<2?J0"MZPL2`MX&NQZ_8*O,18X4\J3'R70[,QQMV6\A3C*U@U(E
MN/;+ZY&KG[!?ZO%T6NC<_B5JW:IIH40)JXBRS#R[]/(F#9;@H0HU&"-5J7+6
M9=>E0I+<U3K+ZN?*KP&G15/T5H/IE:.Q;["5CTJ<)"PJ\P=(4T7`L@$"6LTF
MGP*Y(27`Q+"`@3[*4<C-P'D,)6J7]_Q_&_Q:Q/4=JT>P&2AZSZ\%*H)#V^F[
MGHH\302D406A5H=`8K-OTB;?XWXE0,=83$$5&3)'J4Q%1.E/M+3)996N2@*/
M6I&/]S^H5>$Q)5+'9F^3.$[;?8E>&U`?5)_+#V3/S^[VFU_R5>&HHU@GIDSQ
M,F8=Y`E$O^_#2I[JEM]%I(@8;V0]9V9KLAS*JK7K[<8$8LQ":J]>4^;;Q^%3
MK$&Y<[G!"?PU3DTE!<9(!I.R8JF^M,N0OI]&N]%H_$OL)LGK!8^?ZAKQNC&H
MY\[::.O.Q5:<G#"LGGWSK:J17(P1P=*J$QXLKLHPMKH.5)E?9V2MUW[5#-'U
M.W:]/Q#USFAJ^:C5'-@"ZA#8%+"CA\)2(8ZT#:Y5J<$IU:@.GR##QFY.(@LP
MHCC#4A]3:4\=D<XL*-E/0]3]";+(/U90?(7XR]<`(F-E<IA(KEIT^X4JIV\1
M?!D^75.A+*J;6]'%H=M"''(S+I-EAZ6A<EE+HM)$_1[%>M-@H3;55L&?VZI6
MRUC<\;K7/XP2"L<^_P`N%((1NP3\.$*)CRXFQ.$5*4A<8JASJ6UNN/)XH2C[
ME;4LYZ"MW.??JL4QWAR<+SO%1;:P8.##!!S-CETBD5&CCY0*&L0`T(WJC49I
M,'O\<:9)Q7F_DCOH<<%]70RTK3/0;M6(5)U&%SJ=7HE6D=J<7/1)6OK0\40F
ML1*]7858EP3Y(:5NR'$PQK$F4.690ZXVSR:A3H>KKK4R3E]]2I^/T#3],J>3
MU>L>R%9J=F_C+14JX;;L;!ZLUNT-KLGXP.8P6%5\.&'.S2<Q'!\"./C.ONLM
MLM*2%)5HNQ*[!</4<\\`H-D1D=C7=C(VO5^I$:F(L+1\P0(6`-`A1PZPLYA_
MOYF)D$*6I'QLMUE2UJ2W#2I`E&='3-H]/UWD;DFL&\P*W6I'P7\55[?5V3_*
MK8RD("Z'D0Y$\%/$`"3`JW#7G'DO,JA0R,=UY33+R%*!*5*KH8>X:SZ2S&V:
MQ?W,GDM1[CRI-5RXY\T\F'9:WQZ<U(4'-UA7(8@.S<WY31A3:!;3)%]]$GC;
MCR^BI2[&/U+2_3.5<J]HFMV:HK.X46ME/#Q[C7I<EFHG37:];"EHCAB]<?EQ
M4A8V7HD1;/%2@?"8CRNIE\YU?4@E*FAS6;=O1>MD.'+2?QJ`5I$D]F44S.J<
M)R?7H:X-A?M0402Y7W7XU)3!#&.$I45?\(CD">B0]SL:4EL*2.C&T_T#J\6I
M%8_^B*Q&IM<M%ZI\SE`#@/Z&)A3#/;7)'*768;E&.+FTXFN2/[^&4D*#S%_`
MO\*1UIH*2)SBEY]6S=TD4_#J_4AMC`9U$LG7ZIES]0@P*5:+];A<P*T;16`\
M&'.1H=0)]*!%.MS(Q)I:Y$=+O'.I$=>YM-X(/`'@#P!X`\`UT]GO:_!_3S-G
M=2WZ\Q:?7G2$8%71D:%//W*]VL@KXQ-,SVE`XT^S7:W%WN\1'@#XS[W?KU:N
M(;2I:252I-]"K/6?VWTOV$L)!BQ>DGL]Z]4.3#>*4K0]MCY:$;L@UIJ*MK^;
MH@;13.B48N06^O\`'ASAG5_8W]SJF5=^SEH0W>\@'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`T.'>AM
M0CQ50R&E7LLP-K,S.Z<ER-5H:JIF",\VK/:]3T*A!&NFY-=B[L7DI)R_OER7
M8\-+OU2T[\XUN,W5/2'/JA?C]Z&&YO)!B\'KY%^@&MM'X)"X!+\/MX:5;T0/
MYLQ5RAC0I9./">5SD.0VVGBUMIXG@.3:H0NW>EK-9IM<EYB;MIR^YN;59J"F
M49J03XSTR;CC;\V7)*U4P&DQXHS)4(5&>C?8^V0E<XMMW\9UD-WCT)=ZT>IU
MBP]ZIV0GJ,^38&\TS2DW^L5T'6QU+MY"DTE^ORS1QYD'`(V.RK-/,NQSJVH1
M'@^"Q!5SD3_LH!RJ=JR>EM=M9FV-E=(O"L[/F]/O(7,V(M70+I^GZ]4;'3[=
M>A1YP([8ICC$>XEYXV#*?=BP2I1^1]'$HB-10W$,KGHAD5`N5?,MW22HM.3E
M:![MB&4UZ[&[YD3&>D95A!VIP;&,1Y5WKN/1W+"/AH^.1WLR6GK7.]XD-S+Q
MO.*9[M=Z1;9%KD3I5+?K%2/5\1)#3Q;<VH7:O:ET%88[L:6_'ED$HC,RF%J0
MOL"7SO.)ZM*_!$VD4WC?HOE.8W?/[W7KA+O1K-@2J><(W,73[8>,GPQ71#`F
MPNV!@9%FU&Z"7-6)QY;D3C:I,'\=E2&^(4IT5R;.Y>/1T?<;/:#L?8+T!#FC
M-ELHNEQA%0G5H:<O5OS2ZWMLVF8'43NE7M)?,H_'1!"0J'QF=*;[Q:.L)8#<
M594_UXQ!_+L#5<#%6!-,^M]4H%C'_P!>+7F$$P'/&*Q,OM<GMU\3#RG0[V0=
M:Y(EB4+6S_$M.)YQJ2Y%2+N+^]A?3.A^Q5KCW"Q6JYUHM%HS=(855WP[+;7X
MMW"V\?8VOY(40<;L`\<P9!MN<5\?\19B3?4=6XVXV(I-'>Q/UOR/%K/L%;K\
MRNE9.DJG6<E590.LQK0'IEPMM\/2`Y0H/99.V.F/6NSF&AGYR>HBLI6PE3CG
M'G5@VV5?!]!Z96:E3`<#5;K%_I#U#(3;P7B5*5>9"L]O&EW]1T?<?X>%+IME
M-.Z9-'SB<+XU+"M]B*1UEU[BPW5.NKT+S2S?Z_-Q[V[:JS64U`C6QINMTBYU
M0R"1FM`SNR-N(>']ADX%[K.9UZ4P^A7?X^7%<=C]6Q)6QX&YEG4?U#!5>F:S
MGY[1+K=*MI^7`,1AQ2$:L")M)RFI@;A6:S7PI`*#BNDRX\/<Y"729#DE^2\T
MVXI//HI*@W:U*T)>EX,M;VW+%[`6Z=?[M+B7?36TALZ'D-1AY]::*1KDF*%:
M`=_J0.IS`PF#+6+2CLI#Z./N<==XKH;O(V+N&`!K?FM$S7MON=<C9^&FAPMG
MK!&**M:.S,>NN-H*LE$0W$P"\(3=WI[#S"$=;GQVE<Y\?%(4)76IK'G?H]31
MU:L$:D[:9EUS07#H?4FJU7,Y8KMLFU_0[98!\4+%$A?QZ3+H5S.&(;B(;BU/
MH4IF;QV2SQ_@UN\B==](*LPB0R,T.Y06":SL<ZTN'6YG"8<_4:?6)0UI3HI*
MA[K,FAC9K<AOZN<6AYKO.MN_1#S)N967_L6K%"C!*]EFJ!Z'H@RS6+0<J,/T
MBFMWCO:Y"1P``,66"U"M=KI5<GFVHQYOBN?S(.:J#*^BGOR.B[J]>AMI<\%"
MWK0<[T@S8CB#N=PX46*S#:%LP"[D2R`;0N20:5"<<:7(G`$(4EA;:4MN*XGG
M._;W@RG0U,JOI=AMN.5XG5]=$Z5%R&PU\),`2H6=:&)%O@<[QC/;;5K'$8CO
M(''C<7!*R00IWC4L1.8?ZTCK4CC38TY,LMWT3SN1,I\N5<+Q)14<DRG)&H3C
MP/D0I"R?0:K>A=JG\2'Y(3;3$6IM!94EIQM'!+RVVD(7]JTB;F4J1_7KZ_5J
MIT[-2>J2*3.%#+_`J!41'SVE6LV/.56C9)3#!U[HGZ7.XY)85UB8&++;2Y_8
M>P$N-=0ZW'4+N?4L<?\`KXH-8LA"VT"W3Z;8F3M7MM+/M5"F&;!2K.$`@*N<
M7&+E1;KQ>L7`%7VTS!,E/6427EOMN)4W%3&$W.E.Q,[MZKU`SG^*Y#_MFQU>
M?2<O/8A"*_6G/VC2,R-TL#6=)"/CB8A0]!HV&K$.8L@,BM.#)#7R-M\94MI0
M5ZLZ53]5J1B]X5LU@UH\L'3)K\^O#K*BHA:O2ZRM[=7T!IA=D9#GD6&9_L&4
M[V;,D]?4B'"1WOU2^N0#E54)Q>?52I7P[>CI"T6F$[?2)@B2BP5"N1HCAJFX
MM2I+4/CX]Y?6D#\1@.I^3J^]=F2/KWJ?B2V)5HJ6J?K^IM<D7:9,TN\6"==A
M%L`$9\Z!4XY"0/M(4*`>GFY\0(B9:;5V`!97,*3W'GR$I:UN<2CJ&D"[BCM9
M]%CU7BV.1E>JDI&G;9+M6:-6>[E:`#<8K%VK=U4>AF/S:2;+ZC85"9*IDF6E
M7#JF`J.L*;CH?1X*I>/8O$#^O3+Z['LT$782T"&<<TZ/"D#@=8@V"&!U`5;8
M,X"9L:!CA"UQJU+NY!X4Y+_YQTN?8Y\JE/.O".39R63]?&8V*\7.[OV$HF;?
MF;0L[V6`JQ4F.+GKCH-K@FJ<=G#')U5E"XVE$1CJ6N.)F0$M)7]J^R%2`W,N
MW/<BK64:H<*#=`EO$=+$7@F_1#'`7SD5]V>\ZQ/L0-;,>,9Y#JI7=9(Q]"?E
M8['DPE.]X]S[W1&ZHV.\$'@'G-["[MM^I:Z0]./2XH!K&C@0X8_[&^REF`\M
MU0]8:E:&W7JT`K]57(B#K][#WH<RY+#A9;[8X0,2DF3XMIV)&EWS9:=V:[7#
M]1^&TJDW'6R7M![SN[O5*S8;KSV:.>VVJN7`0>""IAIT^JG0S`_'OX&/*C]=
M="]KO\2N-SK"F?C\5J*ORI]"@O3K]D'[%??SUWQ>U>HOKKD3KS&8U!C;/:GV
MK)W;.<:MNR-AF8]Y"85F&?AYEYO8L.=CN_F%OF&A&I2U18JW_BZKRT7V*XJ+
M:9Z+>H/LQOESUC:_5CVVI655GV'Q&M9QHR[+@YRSF,ATC+M6?M@VL6('"N\6
M+<:G8!9VCDH1(9-5)3SJ&7V)#C;WVMQKN1T[="@O3_/`_N%[0;1^Q'6A\6SM
MYGJ&G^K_`*1UPFUV8%RG-,?M,ZB:;JX<?+Z[$CZ=LVG!BO'RB$<DQ@$"%$:6
ME"GN*/30-T5$>PWD(8Z(7&SII4;$F1WYX1Z+'*Q&W4*?@NS8;)"(F0USO5M?
MD0Y"5H[WG.*YW_'_`$[X!D?`'@#P"F?8#V"R'U=R>U[9N5T&T7.Z=$0^4,3_
M`)7Y,R9)<3'%```F(V^4L5G/3UHBCQL)IZ9-DN);:;4KOT\!*KHNIYM4R-^R
MCWFE\T4Q?B7ZUO6`IR+,SO,:U3:;=?=.^`%+;>CV/6;+?!UJSO#>'(OT=8`#
M190Q#;7\<R4V[Q2/+HOJ5T6G5GKP$81%#"8K924<;C#(,=!J=(C2IQ=+$5IK
MA2;*A,1H<B7/XCY7%M-MMK6OO4I2GO.<A#)^`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#R%J6#>V=%M-114EZ$*J%*#[#
M,#5B?ICIZNV>^S=`W>P-Q[^=G[6@K"H6JU^SU)`V6D%92H)T>Y\3`)U+CSXW
M6)RT_P!>O:^R"JHQ?3VS`1H6[I=C!F-ZL-8*(HIW:\:(V>+8E5;9[Z1*O-93
M&N$6"B793<R#$E=:CR&I2XWPP-Q[&ST2+NUJ]2+AEW8U]!>P%7R2NYY(NLH_
M&"$+-I4S+*J4,V6F7QDE]TSHXP><AN&^+:3TQ$D_&M76NK[3.E:]C6:^^NGM
MF+`60'G=VV!->+7AR9/3S8K!=KS_`%*-HGLW%JZ:/,M>U9[,%RZ]2CV<3'H_
M;,);(1@_Q3?SY+<J-+&JQ[E]5''-?IF9>V(NO+MT?3K1IA?3\VLA*^<>B7L\
MQ3:&7"(BI<LY6-0PEAN%=?%F!G&!T!IIY_C33L1:'5B555X&O+WKK[F6G,-'
MI>AV2S6)\P$T.I@T.:MUIXJ'T'U^VJRO3)16`5@S!,L'NNQ0:;#6TZT^T&I\
M*3SO(GVJ["UC6J-@_7K$],H&R6.^2H=TKU,OCUPFFJS8]+D6EB.VC/?6@%G*
MB%=_M=F#MVP=,J5J8F$HJWI<EQ3BY,N0A^.KRD;5/,I<MG7M;`NX.R5:F6"D
MU@A[#776K!(@WP0B>.J971*R,-P-!!`]6@54H..94"E$8+3`FXS_`,B6F-_]
M2)"%.+%K'^0J?/Z?[JV7$<G+5,9L3,:RNY#>XTJ[[AVQZ,(.0L[RUZV6`N0D
M[.%&NYQHYYT_*>'3U'E1'F.<16V>$E<ABMJNI8=_P#W*_B)\&IWS6HPZQV<.
M?M[XS49=JNC4J6>]J([LJA-'-CS&&"A5>*>S.;T6P=%B7H@E+:HLY3,R'+$K
M$Y;]CGNB6.6`16;5K0^E.[C//KN[-K$*TPJ-.UHZP))B:K$]A*O1X^;9;:4P
M5CX7)(=LC#=;X4JY%V"\^0"L?O0O+=,EV(][-5G0,W$7&&R[2<JJK&A!-+B5
MRGU=BNZQ:;+I8[0:!_88$^[QK#G)AR$*6D87Y%(R>+1^&M/9:!$U2C*;K-']
MUYCF>%K&&T]LH&L]<KY*N6+5*K)JL@`U@>2TF]Z/8I]3U-J=TI&T8'8B=<AN
M0['#*/S9"R8V"]-CSX$*]IU)^$>Z4:JGYHBTWA%L,5&M`"@Y>MSIPUX+7JAZ
MBL%0E1`L7VJA*U9SD^K:7'CDX$X%,7-*./.E(K<J/)9"L?Q]_P#$<)['O;V`
M!/C`9;>+K)D8OF'8ID_=Z_6"[^@TZR564QG$4>!]F6&N5.[A>3V+P6Z4'V:(
MIA;D&P'$3$QH]%8E\>T>8^P-W8JEBS&*^(LD'+>5VVIJ]G4T8^(MLGK]:+U3
M:L57<LM,2Y9NBTT['CS$FP"G>H2WV="<?0XD1-5U*'GY7[N?V9$9F3IQ.LAL
M9J51-G4:=`KM@U>,*;PPF?ZJ,G;#@:B[>?;'7<2F:*@#8L!QYF4JQS%3.OQA
M:Q(6"]<?<H-$)#:L4U7.P*,AW)O.JQ"TL2<?#V^\V+V4)P0>B7)S968Z;B0D
MWRH%HMAC@[--8("VT=+0FV92I0M8FZ.70=/R_?\`0*R5KFKVO)]`)U0?GUVM
M=HDVWM/56:"?D%QKB7-%M;4/.&45V(W'+SQP:Q$;$<4S,032GD]H9=&O,U^M
M?JSKLO4-:N%6AWX/.YHFR:70+$.V8H-C%CUOSSU\@4IJ%$_N;DB!7HY^D&H\
MX',C1`JW&&U.Q9$=;*O!4U2A;^(Y+[%(!^TXK5+]=(UBT>7<@U%*$)S$^J@>
MD2^F)KMYSUZ/J%T-#X_:M8@,=Z!P748\+H5E+`]3_9,MX1M:4*DO-(]FGO7?
M*\WQG!2^-6VBL#@);M3T*FAVHIZGTZ'&JQVJRZGL%,%V'+B)WYD27;%'E$$-
M(;ZY69*G5JCBU5:MG'H6.^W(^M:G'I[VBV>5HI@M-5]-L-N&ZQ*=U?V%-5LK
MG<>1KN;P*TR.IT^ACW(#)@<+8%(4X[#(RX"H<@$T=&!B7M7-V,/=CPBZR+`*
MC0(I:]%-<"3:-/K)7;O3FWJJE0HK=CEIK<T-0LSML<[(9"CTE)#:^\<(=G,?
M$%52GX[F!!XM[MV4/;'[+(TBES/Y/1+G5J\+W4O%AC[]+R"OQZO"A$F]>O)<
M[GD+8HLM^!$+3F8$A'/RI(>"R^N'R%K$V"]@<?\`8&\>Q.<:_1(%)77<%[1I
M-/@'?E5;[(];;>]']@&Z@58LPP-5G"F3,1Q+:B\22F2\ISC?Q)_[BJ935*/N
M:RV7U2]K).66D,Z9U6\'K9F$VO64%8O8DN5A%3!C%2:K"R#39;5+KM8+S=GA
MCE02,=IG^,[SBXRV8G7^+AJL:DTYFWN8]9LTC#Q^KU>D##>DS$$D[",LE\KF
M<V\SKS$"F7=RP['-J5BN%3KLFKO@'WAEM7V8[\<@Q#;&=7)I*Q/@'1/=`,)&
MJY3KJ?D2<%,T,T-LVME(K`64/TXI_#6FL)%>RLLK.VK0,]F)(&X)`NN&.FQ(
MD,=<8D?DAIT*Q(8]A'NR5BYTN>WHC^@5:G6#M.NYC9`W:MGA#N*>S%&@Q[=5
MD7NRHLFDD+A=*N^T;3&L#L>.I"EE%?@/MR0K'[&U?KWF.V"]/AV>[]U*O9<)
M!:6B@T"][++O1JMKL1ZCH"0M!6/NUNAW@W'B##DD;)FD320\`BW&1(0ZG[&A
M&U3S*7?Q[V]O.AZ=_9>Z#2J`?T6`4CCZKN5@"PI0P,+]FX,:;5"P_6SEM&A3
M22F>2)T1AFK1E3&NLI$I9@NO/"UBB?8;DV_P/98)HFNB+F0Z(S#20!.]E=-%
M&Z-*_N,7ULD52L5+.8=DE*KYL1-H=AX8GLB![4J4GK_9$U,QGK`-JFAZ.^#!
MJ?[G>QLCUIQ679:N(8MNQ7^R5['O7K/G5J1W0-ST:6H+0@+WQ]XXV"'2NNEC
M3_.IY$!C9C_>\^/RI5!2'H9=?4^B<O/J1F?L+3=@]G<ZL=@M_M7(_E.?[$N^
MXV*7%DZQH1N)*:844Y_99+<);<!<J+7HS<,4I3/([37#K]BZ]>Q1G[,=0MV]
M6S/?U9>NIU'-2]F6U$/:FT@Y/'I_KOZ41'6&=0LQEV.KZ`+7L,.3_5JPV\I#
MTAV;(?;3SC*7.%XE6GJ?X98.U?LF_6S^NW/0F/LZQFK9K.APG,,R]5L+)!KU
MK4PH&^"M5W-:WG-9G2IXHQV6VW$_^JBH33;OUZ^ZE7>]Z^I$I2U_E_QFJ^>[
M?:O2JN:C[S>Z6;7`A[H?L6TNEU#"_23(HL&^ZT'I^?ULC!Q3UV`*BN11LVQU
M\'/(V*[FG'F0XN<4?ZXOGQ-I<>1:)NBZ+N;&?J]M9/,$[SZ3Z_#$T7=,HV;3
M-E!41!I)-%APKV3NIG::A:Z85DQ1CMS"U*QW,K5"TV-'XW&,!7$N<;X\QQ=E
MXD?B>MOF2'GYZ@7:5K>_^^NI"5J=S2)MM/PBC3TI:[$L!K!,_@`M3/#9+?>]
MEPHVCV&>#^_G>M_.#=XGOUXKZ5]$#T#\@/,/V[]D-GNFLC_0[T?+`QGL?8*Y
M"N6W[B9',66H>F^,%GUQ85R,@UJ[#LNSZ`IIYBE5N1U*'NM.DYO$P(__`'JO
M%E5.KZ&2RW2_7KT0K.OXG=MIU&UBO6S)@_LE[#^Q'L'HA/0#"9.IG;;$C\LU
M@)ON*@6(\JD29,``,BQHC49V,S"B_<\A*[UU&K*=]9<:T3WFU*K>_P#[A58A
M7J!7Y/#_`*%>HMM@J9:QRNR$NMC/8_9`+_UC%/9"_B7$R1L:0AQNDBI"6&/H
M0<D/-QZ:!Z:+\?C^4M/V>]A#&V:JY^OGU<L4QS4;`/8D>T^Q5"6R[#]1L2)\
M^A3LLTTF1%@>P&J#./#*<)YW\Z!U]PV^AN-";^<O%CM5GH[6*V&IU;K]1KL-
M(ZOU8(*KH.`EQUU,$.$@L#1L3CKZW'W>1X<9"/N6I2U?3Z][WOU[Y.I#.>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#QX
MM_[%[!FKUKC17*%I/\;<_8N,EPP=14XPD95CN_3LM^ME@Q'Q1"L_P^)RH<QV
M'$)S66FWI4IQGK"42AR;*_R';L_[)[;6WY0:)4\PM-D!3M#I1Q@9:C0ZN3;G
M7&=0GTZQ5ZQRX<IXI2;3`S-Y,AB#")2A[RI''7T]BMIEAL,E(]_MO79M!I83
M$*D>,Y4S90-U*LW%H0&[8:]<;U695UKD6Q3A!$[3FFZ(ZEL.SU1:<3D=AM2$
M=CK<<$VHEM+]_+1=J?N6AALZ`RL_H(Z$FA762?D!!!@F_<6*.DM<AI)OMIKU
M0(M3&;0B2J`TN%7E*0_]TA/%*#:M%W(6C]C-Y'O$7R]-R(L-IEWLU%N2*GH)
M>84,CJ6_JU@M>OT.-)"_9.S0+G^1$%.<>ZIS^9^>-^1]D+JI(;#NU;]@NMWV
MYL@:QBE8@U\W><_I`*S6.WR&&(3>ANYQ9:O9RD&)'69)0K3FFDMRX,:)#2AH
M@.4V_+XU+;7'@VJE3]KOO1[`6AFE0AV:8M%.6@'FUSFKFWBZ+$#JUL4WUL$T
M\;&['J:ILTV"G>PG723_`%+4>2R(2EA#:YGUBT;48^F_L'VK2"\<%4L6I4-<
ML[GV=KL-CM\YBOB+Y:',S40,/1(K"K*:J!"+?I:A#4>$TZI8?G),EKDY'8P;
M5XD[S?W*UVYY\;O;E<RZ1+L.X8)0:'5XI2QMOU>JZWCN3:(6=M<MJ+,E6([`
MD7.=_&<C1H+1#J&VU?"GZN\#:J]RK:[^R;5#E>KUEFY)GE5B&(E`M<"%9K\]
M&)7BHZE;L[J0<1GT49'*O3+M0R%X>;-L2T,_DJB1ELLL-D4=CAL1^VG]AA6-
M8+%;*W,J$B`$S6!&K]6_L?\`-5*SW*?G./;<:Y,,05#H84L!K-G,04ORIC$5
MIF)\KGW/.(BK@VG>1^PG4`(^T&["`QPU#!%9QZ/7AEG.!KB7IEGT%-#I%5KL
M"3&)-&KQ34NMEK)(^UJ.L9(BJ98:_(XZFC:BZ*Q[EVIJNZ^YJ0_.J=;Z+0\L
MN%6%`9-JM@4Y$U*.,%A#,DM&C1G4P)6@E^`T#GVAI*,N)V5*^&'*8D)A''P*
M/S/VRU[0B&OW\65&PI(OUOV>]UNBSYJ3]!$7K/ZK@C,.1]X9[LT@#58YI21Q
M+,MQ?PDW$<=7W[7/*6BZ>9;>9^\1PJFT/Z&SEL<-5L?U6_DS=..6$O-!S,-C
M9ZS:SMKK4<<2(0*5H,B]_P`C6_Q529:A,9"N_DN24_"(X^!5$?\`8YHZA!21
M/H6<#I8X=<(L-_\`M"BC1\QF^I2:MJ1>,*#F)SPEC/,]B\.\`ORW"5A=<<AB
MY+LF*ZTJ%VHE5B_8Y-;F08]%IU+NJ606F7(VQ"MQ/AC^JYJ[[+$T,C0;0-PE
M%L-YJ_KXAP9'GHC?%(+*^3BDQ>I=HV>)AM@]L?8>5ZT5^]"(&>9>=ML7V)%3
M"$LW(EK+1:3A^B7[/+'F)081)LAB98I7&%*8(MRWT_"Y]&>I[SODJ-JJ='5/
MV#:C3V+)310?(V]1K8W:J^?7*EVAZL@+E0Z[N-FIUG1R:X(GF*L=%XG*5(&Q
MDORHJG7%ORH[3+?Y="BO,N':?>"SXQHL#-Y>?UVT3Y0"K'^&A%EFLCIL+2`R
MZ3E,@;&Z+F..MWSV<['J3*>N]ZU#FLRON<<^K/1%&JJ<N1>[5KNV>M:1>LX!
M4*M%-=SBD"B\ZWP6AL6MZ!*Y`FN&W'GG9`ZR4HFGL27R4W"CS)#J$M)1WBT\
M!Q70J6J_L-TVW#*699H^05\-K!`;7Z*>-7H^H+6B3(G%C!T_H)!(6'%_K4Y&
MO<BBTPW$N.2XT9+CO_G<Y&A=J(I@/OSNEYJ^>@AF;5.U2'X&>4U_0+5??XV,
M:M<?*Q=ZM1F=*B09$B7&O\5R1)K\I,&-!;C-)D37THE-)12N*1F(/[!-7DO/
M2^MX!&C3*S7D*'60W:JDQ1+Z#@^RQK5`-K/ON%HA:,Q(P?\`KXR6/XN`].=5
M.9?E1^)8=$V_4P=L_8]H9^I$XU>K>9Y^0T"DZB>IQJX7DF,E8VQGHK4VYHC:
MT)$]17M#LDG.U/`8[/T:YU4KCB7OXY798NU$MOWLS[%U>V5"#7BV9$PM9R[(
M],4(L<VPBK+;V3/K?[776^?W&6/;G,3!<HODD)R`J)%93&GH;<=6XGCC*H1)
M4_'D3^D>]MYNF=[+I*\J`U*MU6STRJ4$S;[<T,"Q9]MV4IBLZ5J;T;D\K7P]
M,D0H]D)S$0V6."92XZ.]=BN2'*3;JD5POW6UK+(%^8NDC+;5./6G8)&1E8AF
MPRALV7FUMKL.PU:<X^V,%#J[*$'),@++62;9AQ!JNRWG7GFFE"[4^A"JM[V:
MT,NB?X6MS=-[K!:"4JM4,V`;`@5,&S;MK-3ZN),/=%0/[*8KD4>/'O27$QDM
M"%ON(4AI:>BN*+$G?L%U,0)C/&J/C`@G)SX;ML99+0+(/"%,_+IK,<;G8:;-
MK3$B=LLZ385/,-I;[!?8BK0A'5?5Q`FU$SQGWIT+1[9EK=OS*MYYG.IVTF`K
M]JDV))TU-(D*\/+U"B+J@F:^=!V-J6Y.C$C$Z,V'Y)'_`(_$,.R6OH#BETZD
M43^P^Z&;1;Q%*J.;V(#5&[-?N6*78+$'6:RFML/O]AC0:1Q(K#NQ+HV0VR\3
M0.C?\T.]B\;3SY@VHO[U/W:X;AH.MD[`5IG`;="Q&RU:ET^R/V"11(UQ(["N
M2&O;<B)%6*TAN.#BL%V&_HQQ<5'$(1U*ON$:HC>7P9/YH_<OVIN^@?MQ];L;
MQ<=7;19\!TZAY'21UCAS#]7':3LE7?TOVKUTF*&S!ZY$[`/4<-&$P%J=_P#!
M+7[J^_5?.-]TNAI+3\?;^7^8K[]JWJ/9O4"ZXW[<XC[>R/67,37O4+LEND$\
MLHELE>O=A]I11JE[_JE$T`X]$(,T*Y1N<(F:>7:(!Y)OK4ME3"VT-\+P$:/1
MJKH;B_H>]3/]3>O^B>VUV+Z#=ME][=`)[)/O^Q3_`.9UDCBK4\C%PF'<":F(
MZ4DS50D?V&2PPVQ'8=-<CH:2B,WSD99NNG@;\73]=7Z^;$/UF=>O4?UOF1]7
M,%KUKEC,YI3XY2Q'9*GB)>VFK:N"P9@$4NJ<DKFM2V%M+ZMWBTJZI7C4S5KN
M>1/Z><@H&J>W'MC[%4K7[;O7K3Z@6\WZ:_K\FW2S2-`AYY43`FM7S?'Z9=RC
MDHQ9QR;,2BUT05ER)DS^O0N1>27(WQ_6LLNB3Z]3VA]H_23U^]O(U6E:M7SH
MV_9Z_+F9?L^:6L[FFU9=/G<;_+E472:G+'GQ;$SK2>R(3JY`V5U*?GC._;SZ
M1.A$Z'\E?['O;[V_]/=IJ7HY^O\`_9Q[.^Y_LWH!R34#&/V#/,*TP_F#!,?U
M$,/-UP52!9Y6D*;?^=+:O^X(C,N2Y[L;Z-_>_G.2$4_5))0^Y_0W^ENM6K)/
M309ZS:AM&7Z]MWK7;S-`V,?EL!+,3)+D=B#M!D97<C[751[WHX/EL5)/'4]Z
MH@2EN]<ZMQ"W%F<<J-U71GH7J&J*K>*[%IN8P(FLV#-J3I98/4:K/9,R+)><
M_"&)7]`3T0Y+=;/2;`,X.=BIYV2S(5UOJ..<^WQ]2'\S]%_;#Z7_`*\O3^FD
MJ-K68>V'[$/<^=%V+5(+6@`*ZR7WW2HK2[`6WF]DY*1N-93BJ^)`Q!9!V--@
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M:22/JCQAD>1#3_VZZ=PZ/7M^.B/ZR/,&1X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`-`;SM?H?8JF2K-CEU]`*2,.41KH
M;+KG%FMU"7!M)H^4JLT-2?S>9<X/J1J4_8ARE5M2!LQSLSOPN]2-)2ZDGY[(
M^E0W\R1&EU?CU'60I,-L3D%JED.#!16\Q#T:APQE%>GVFE`"F>6%1*:"1,#P
M.BI;DAUM+:E>!21S3?8#U&N=ZAT^:('6Z83AW8(FX3<;/EZ`I0F^Y_6;)6/]
MA3ZBY69_\S>]*%)^V-)D0I4QQ2EN?+Q/W!1T,;>?8'U@EP=-KM</"8]R-5.4
M.L98-7[!3NSF`T,W`CA2.G]H16OI-C`]?).0QLA4R2J#!?6W$7%2M7@49`LD
MW?T]SZFC68(UZIU>N##M<$EK_1[<]JD[IO2-M_V8Z8KSU+?L`^B/G\L/'9I-
M"^`T142'GVX,:*GJA6I5-HPFB8`:`$=D$<KR@`<Q&SUS15TF>/:D.!;1&K<&
M&$/3*_&D'JD,M<SC$<A`7(#MOH=6V_Q+3JT#.O0I.P>ZGK'7K!G$,7.$GJ[<
M.WB*2M@"K6,A'I(_+YEK%2IQ:")IY"3'`C;)DI6.]+>5%A#&0BICCG(S;;O1
M=K/BS^TV!T[G+&U4AAZ\0+/2Z,;_`*-2+1;)%?K1WV$1C83DNX5S.YK:3#1I
M4@D.K'%)(SWX[B(+;R?ME*#:V7>]JN"@ZG2-'B+&O!-7FU:%1I-7H1X]8[B0
M;"S9]<C0*O6JT0N$B57:\,E/+2Y"2H+"B/K?_';9=Z@2C-?"=I]*=)-UVP(M
MK`Z)EQT[KK``37C].K1\C5T)T)[4G8*ZD.D7`,R[4%$H9P:\X..+'N(2_.2T
MXUP7U)&3JVZX+9#^>XY$RVM-&[YI-[JY:HQJ=V95ZKRE?[@L(P\9-QZ;RD?V
M&RNXM_(11#TJ.4XU)1,2EQMCCC@4?4G!S>/4@!<98PY,JL&U`KW/J$XG(S4Z
MMD/<7@]-KIQZ5;$5%P3`@Q15MKX@F85+2-B])#X$F2AQ]AA04E3R.J2WSULY
MG%TO=='UXY'ME`&7%\*0HQ2JOZF"-#+L-SSI)-BJD-XJ"NC%`)1A<R6P_$<@
M-<>;ZJ*ZRIP*.M#%.>S69BO7C9-NH^;FE,8HBX5$E47,_LE<=)62JM#H<P&#
M3`J$\J7I\@BY&:Z2'CIC'X[2G/B[\/4)"CK1G=KGL5ZIANM0D2ZM6S11EZBV
M7HG,;B,!1WJ(5G9\\`,GI%#$PX55'7"!.KH5PGV+#GDHL@?!^24T]'0%)'-D
M^C^G>XD7JKF]>J!J8S5FW.BBN)G*@P_5!;]3L*(,/ETHM?ASX`OMS`E/PV>N
M=CLEQ\SK:6Y<=U8-274A5-]Q/6HAI5@@=KK^?)E#9=@D:%;<TLM._EK$`N6U
MYK96K,4G4^+$`HB,8U/6-)%2#23,9]4>+Q3C+K7@;70L(KK&%Q/7@_IV>4"#
MH%4HTXDW5\P"T-%6/D]465[7PE&$TRXA*])JMYMEML#$",J;$AJZLHAY2OA>
M^104=:,@D+VN]82]M,.7,2!K7X><5>Y`;K8*=.(,'*EIF?&=+(`_["Q59`H<
M>E@QA)Q0#^0=)EDQI#C45SB5<Z%)%H67:LS&YC2[U0*>C07;K9@N6Y?4801J
MH$I]N$G"C#-6*,VT:)DT&-G1&HD991N=&:D!.!Y'VQ52VD1UB4=:,@['L7ZN
M0`"!6A]S"N3+^/;NUW#U\>C2LYFDI[Q]^-).Z+5ZFY1CQPRU1"$N)R:MDE,8
M%/NI8^D9SJ!:2ZHS-I]E/4`/_9*=9CU6=B@4&AMA#=SFQG`OY@2PMUXI5$<@
M5`@'+VCIFO(4R$CJ?)RX\-$MB,[&;2]P*2,/+]J?3*O]L5AE%!0R6(E?TD[-
M1C5\09?:J\?2H4J`RU'H"BQRMTUC+;5&F28R)`T/_#S6GW&.H4GH4D<+_L)Z
M/10@MN;)HL$$R!,]8A$,D/0(E:!T*98;(X-/#9E'8_I/$$JB2G!8!%N$Z6D0
MG'1C4EQ/W>!27W)53=B];==T"9G%;J+I\Y;:W+TRP336,6`*&FO42U1:9\%R
MG6VJBG8EY!E?A5$ADVFYJ8?6I#/_`&EM*4#36IS(]D_5HK8N1XYP49M39A6;
MQ4PLYMA4U)B<786);XIR+49$LCEL!P*61+L,;KE6BJBRDO3$=0YS@E&8$9[1
M^G<YUQL<<!)?U&6V+,-]RRX0W++!Y$I`R`=NW'J2SUJASQ6F@403QCX@4N$7
MC]8E+97WO!:2,48]I_20?661Y<K7.U6,[V%""=QVZ3AO\2/9C6-BRC0,>@R$
MOYUUD4U-B6)AA5?D?B<<8F+ZS]4AMDS/QM^]<;47'5Z2-!&8Y<S3N4T0QGMJ
ML5NF6C^0N*'G36<MT!RPT9[/2]9G\FSI[;:0S_'NS%05\Y\H49&/9:Q>II*:
MBA;1930MK.WZA;[!4JW6;C*%DXD]FPDJO`.]JU0,?R<=D13#,]<:"^W-A!!Y
M&0_UH:F8KH*O8Q.<^SWK43LME+G:U4L^-C]=T^NU,^G/[,N>0C"C_*"3T>Q6
MO_78L146M3M8J3#%S'9[D6P?&U&8F2IG'HK(-,D@+VP],EE8X\&4@P9]T<@%
M77F\4T41%)N7:#4CB"9\N]GD0=$Z2#W\(0GOD'FO@@EXLJ6IME]MQ0;9%X95
MH./7-/"F5Q4<C7=DU<$G(&>V.K#+@Q`,,#9]HX=(5H../H)D":7(DSYW>E&'
M%28JGV.+=X(TUU+E>=XRRZ\I+BTM-K=ZAEM3KJ^-IZKJ6FD<ZMQQ7.?1*><[
MWO?\<\$/YB_T,>KNP7G3?:3]FOM#63U;MVX[/N<7USHMS"3`5AH]#N6AKG:1
M<)@4M#CDAI2Z3*N'"Q%O?:^@17^-IYR.\WSM=>AN;6D8]$M?J>V'OKZ6T#]@
M/K-</6#3#QRLU*Y':&<G&:[&%RRK*Z-=@5Q:AM,EXTJ)V.8X%5"?5SB7$L2%
M]0KBN<\AE-Q=5U.I[#^J%\T]O-)6">UNS>H!C+J^3J8F-E(VAVC/S]9GLA6H
M0NVYEHM;L-9).US@%G@R7'Y#F1&G'FDN];=ZGRU(:<$?U#E]NF<1[U>^_MM[
M@T?K\=V=B#IFK^O^#6-J([QUB'<\_P`2$UV;;(/>_7Y6)1/K+_\`CBT*3S[?
M%36ZG2B976*0]K_5];O9_#,O]!->W;#M/W\_OWK86]9?]0"J760.BU>G#CV2
MW0;<+U1UY](HMFK4CD.1R-)A2ADAE:5_(E:/+HR/75O4L$KE/[2/>-^6%W2X
M5[];GK7.4J.6S3UXNT/4?;G0@KCR/R1!_?6AT:BX_`(P?N;<76(D\HGBU)Y+
M;_Z^-$*I>;/$3T.]4/>D3K7L`;]4O0J!Z:WZW7>Y8W5O;'VCC)<KOK+ZQUHW
M-#"1_K]FLJ5,T/;]UTMUE^P6BYFWDPBY:2A*W5Q4?\AMM:5=5_RGLUA_ZB=F
M]??7'9O6_./V4[_7P^KV[ETB:$(R_(!>JUJQV:Y,VS8+3-OS(IVRW*[:@PJ0
M/45G2N+%1G&NQVNK81WJJ,N576B,/3?TE*R-JSY%Z_\`O5[1>O\`Z<7HU`N]
MXP;,9P*%I-ET5VMA:W=[(Y[-F&2^F!X>F*!-DC4:`W&=>*2)#K;[2'.-HE0Y
M5U:52H/=3U!]2_5?(\<]'_2;U4P6+[5^Y-M-YUF^A7C/ZSI-TS6I017#?L%[
M4WF\WZ#8[<8FYM2E.RH\B5+7U^P382$<[]>M]J_D";>K>B_%#7G"O4CV/W2T
M8'L/ZW+-ZW91Z5^D<#0O7[T\C^Q&?7V[JT6T,Q6*?KWO(&#5,G6X%GLUS/QR
MH4#.)O\`$/0VYA!KB.3T^*AM:U_4_P`4+$]Y/T]?L']AN8QO1KWE5[+;]A)\
M[,%X[*%N^G>/$J7<PK8B]5;/;MB3Y'2J+;+#'AQX[AB82E+DPN+84N,GJNK5
M15)*JIH_O_B-QOUUF]"]>BX/UIG_`*=;1Z55ZR+?E&]8R'2<AVS)R]@'1'W>
MG-(OL*Q"]4)S9_.K;8GEHI2<MQWB5*YQ2E<G4R_&M3VR\A!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/-*^>CM0`KJ1%
M6V7JK4,/#E9D:F$R50;*B\@L02YT.GXK59*J#)@K!.FM9F,<($./V+G78O4$
M>KC,_0;4OS/BI^DM-AQ#RK-M]P@Z%0BFA.AR=,*4OX\9R[1[+L%@32`L(]0I
MOW#3M&TR0U)D&F2<UEV%&7#DM\AM+4&YEPL>IV4F*-16Z)?+G6ZD$"VLC32=
M?(U@C%_BM!NV?ZZ&),2+)63+4B-6+9G82:+^_BFW8S*V)J9;3R^=$W/[GQ"]
M%\JCU*74YEITHR@D878"IHB:KR3)(U(J]RJLV>_T=58`ME4V'>9SRVV8K329
M'&NH2EM'QJ#<ZU(<0](<"T$^42[;C=DLN=W?C[\,P.S*Y0:>H].U'2%4DC5;
M;GYVMSX!`+[&D.MNSXLDDW$7`=;DI>94Z[!N9==?]8:,,H^ZTI=ALQ4/[$E+
M4;MDAC^J`D!W;A7(U;D2*0,J58!UH'-9@Q6Y?Y_X3\V:4^Z=+>D/KZKRDKT\
MBO1'H-B`.!:1PZ??FH]M$'P9'KE@&NN1Q]FQF!BI=D<I0'[8O)0V/,.J^O%\
M592\^8KBD/\`&$"[F9\-Z;T6NFI$\)=M'@@BUQJVA66F]GU:2`L=XI&J]UFJ
MV.4_*J3I\;)@%?L'/-0)L6/,$QV&WFU/M?D*#<S-0,%H<^E9E5<_T&U`9GK[
M<"2ZG<:]/JIFPB32!E@K5KKEA8.ULU6B<<D$M<R)+CO0..LJ4T\RIF0RTZD2
MNM7W*LF_K_S^8)2+1JFR07(E5_U@%+PR-"Z5K^)IK=KJK&/BUS<_F0E5Z**N
M<[XR<EB18_EZVI1%7Q\YT7<32F^LV9US6T6JK:3=>3ZG=B.@V'-VS%3DU^;H
M%IJ^A!8M@L;*JLJUL.,TS4)3,:''(Q82VHL)]QIQYE3KH;G0[-F]-,LL]XKN
MA2I)15AKN@7:_P`?I8)GMQ'+DZ#,S\G8Q4<=>*39(X9CA7,`TF'.@<C&(+K"
M_AF)2ZM/0W.E"OH'Z^<W@1FX*-)U=L;,D3YEH#CG<Y#!+1(=*7\P(9_AQ6=Q
M1]0#UTAIYEZ..KS8B"\_(2[):?<3U2U!N9:(;+,C1GEYS6/H9`G4-RN=K:AM
M=-UWL^*?+0I_]HKU1(1!#3LE:9M++3>MRTS7V'&I2$JXPPAIH2KK7NC#G?3#
M.S<Q2_[9H8X.4F3I=SKD$G75"[US_<5RWFLQCC\RL2RT"/2=+O9"7`_C),!;
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MOY]:0EBJ&JH<R[)GZSHC!R>:'G14*!6`.712!661F,RH'0RH).)+E-28[R7G
MNJ$3=="$UWT2R'X8$SEWO-IK)MHI8K*&_*H3-2T6SV).FR(E[G,5NE#&X+T*
M-L);\**'=@"%-MP%+C.]B(4L-S,0KT4]=\RA/W@I83XX/3L[H[%LM5E:H)$^
M^WB_`YEO236B$*,]=A1PK!K/5V+\"?"%E..//.1$NK6YT-S98Y;TVR(@X1*3
MC-U81+$:1`E/).BF8[,#2Y&]3[&]Q;@-7&NQ.^PYWL5:N_:RAB']_%_"YUX-
MS-?K#Z^>E4UT1M1_61-;$;@!LM?#G[S-S`;_`'.!;P]AX.D44UI5+[9JL6"1
MK/.F#Y8*1!D2&I/.R52H_P`*4BUET-MJ)D-`':C8-9IEQ,D"KDK0*S;A#9$&
M3!.&#YJLF"D&9Q(CI0:1K)"OI2RTU*:^B9;J9"7OHSUH9JZ4*BK?H;DM%G-3
M*;9+-4)7]HMD^*\%$9;!FSZE?5S9EXRJQ$>9Y_*7FI&OR''&I!=Z:?&_CM*B
M$&?L<ZZ+N9W0/HGEPF*0:*7#3;9.(U.-072Y\O6DSD4</-RB15ZVE`>IBH*V
M:W%QX:PW(6RJ7*_+G.RG7WI"%LAN9]C/1C,X?5J)7+33[D>DJR\`Z2+UMERL
MY?#@_P`?6J*,Z+J@_DH?4X[C_8LR;R44?7(6J7)D]XW\8;F8)&*X'4=ACV*M
M[59:7KCMZ+R'(\(]3R$F>JZ6XS<;5GDX&<JA:&L+9R>G1N]1U"",;C0YR-):
M6E:WPJZ4[%E[)ZEYEN,XH4LLPDDM(L5)L2%.#*-;`XTO2*Q>:G`XNHWZHVVJ
MDV"=5TTI'E,D(<I/>/M/,_"\TVYP%)HCQSTDS(S+G_'9[^'!6(A*GW6JBIU9
M:!W)MK3#NOU4<1Y(JL@B('T6_6.5*&H%/P.N1U\BS.RHZ>-\#<SZA^L6(DE6
MH'#MEID2*YV"!M3#5B&<D`I+N78(`B,3U?PR>193])QVNSN=5_CJYDAW_"'F
MT,B59.<6P.9BAZU+#:$6,TFUS3=JG4\A7*@(89T&RDXCQBQ#>5`'6PH07T0(
MC-H'0($9J01D3R4M<F;-<=X#=38WP0>`/`'@#P!X`\`>`/`'@'\?NF7R]_L!
M_;9[C^N^'64J/LO(=1]+[CIP=3Z9?JWZ3YRW$NGM]:*T1;YQD-J'LGKUCC48
M"\VM,A,<?*D_X1%0XG2T1OI%-].O^#_"?UIY]0:=E=%I^:9[7AM3HE!K8:H5
M"LB(Z8HP%7*^/8%B!<)A/^$,0X49".=[]5*^GU5WO>][W)@E_@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/SO.=YW
MG?\`IWG>=_\`L=\`\>/_`&?>TY^<9K-_N4VT9F4)#.J'OZQ9^3'!V/Z!7J#E
M??\`M.1Y4)^^8--)V.P+9?2]RV0HW5+=D=1)0.3=$F*/6_V('D@K)^`6T2@"
M2-E$"*2QM)L8^!^2:9B95>YT@D5B(M@C.*TEN'*$SI3[LCD]$GC<R1#2GL)5
M$K$>I]Y%>H6Z>OQ(8NS1[#7::S0:F1T<_/1*E!\:R:+9P[5J*$ND0#1O7*R:
M?;^LE$7Y)7SJXAMY:>4-JJ9+,8QO?Z[<-P(EB!*I-6JL7H8$.%=#G7F)9+B>
MOEO.9I<1=8?EDHE&B9AG),8!D1FT,=E.1^,H0_&A1I3XC:-5:=ZM^U`8K54C
MZ.NF`YFV9S>[5+=W8M;KBCM<K7K53=(+&STZP]1,JF@5ZD7%/(3#1$G(7)CI
M7P<W/F);&JQ_'W+<]3_6+;<EU'/YUF[9ZMG-'R$#2@=3#7N#8J="Z&JD6L6&
MN'HA"S2R4QH]>H,BWC),4>MQ*)[;,F3&4RJ#X))IKS(/</4KVHEGI!`'>KO#
M26K_`+#3X+P/5"'5`]&N-SV>96Y)V<>LL:1!JEMSRR5,0R@1#G.@5`TICM0N
M(3)Z"<:&1N7J9OU:K5]"9>R8+"+D_8A4P44VZ[ES$4`U<U%L[FU23<[FF`),
MU>*]WZJ>D\9:A/2NJ9FR4165`FNY/J1ZX^QK-XJ%YN]D+SC-7)Y=(C/HUFTO
MP6H_+P=E;!U\#'FQ0)EP]2I[4;ZRXCO74?\`;:^+J>=X#:IH1G=<X]@T^TX:
MR5$3<RD,N=DV<(:#ZT9"5L]3J1`Q,^WC$ZF](MUL"7F3Z7:5QR1!AF`MTVE"
MI*OSIB(X)K;1D,L/JM[56<`/L<MI<36&!&LPJ@;7KA*?,RR9HE"(1VW&"29D
M!B:WV7%0%<>C-N.QGIK4QA'QL*<;"J^Q:.D99IPOU^]7LW16]3OYKFSVGMEI
MSFL.4*QM5XGEGL6:K@`]>Z?:YPW^JYX9F!>08SQF6WUL5";^>3+0UQV!-5;[
M%<V'UL]M_P`>P*^6Q6FX07'2!.S)V>:FF;]:&[Q4[!E+=JI$\Z!=IV:9E5A)
M$/88XU8LK-_-1)@IGK;ZA5%8G?7ZA^P4J[6D^F9-K]CNT13QO20NJ&^2?I7I
M/N@_2`+T;L]DA)AA2VHT.6RA,9,?\6&ZTOO%QOC<#<J4_';_`!DTQW%/:^I;
M<&UG2REDLJR51$F"]7KVBP'J$$L6@+;DZGFLQJPEFY<JOT&Y'YQJOOP!'>2X
M8^-'[)C?:F(L&XTHBR=[]9;3KNMR3C\"++HLXAZ]R)J6+:7K!5YC,HOLZX=;
M3*K\D:9CH9(Z<$ZVEF2W^4A;Z5?\$+2L1-)&`]4\.]E*'?M`L^T7>U%RAS/P
M84>0<M$&QTH@1Z`IR(#KXV29?,IM%`(B"47YTC8$.8T0?D*>F.R?_'"336A2
M.3^H?LR+A9]+OUSOA4_4Y<4J807ULHT&5>N:!ZV?W*U`(E?M!%1^OWNFTFY3
M.)-]3)Y(-2VNP87"#C7!7)'1JWIK[&@\VBTRJS9V:+IF*62H9S#@;!9W!074
MH^?DJ>(MZ8XLN\W*&EC4M\C#[+XZL>J6U(5';E1TI;%W*I<ET]?-CF>JN144
M"K4I=WI^M_W:=$9T*A5S3ZU6II&_I:!U>[&)-_IL=JJ#K3&B0D/R2:T!V/AX
MZX^A/@S5;O(I8=ZO^W%5'H"Q0P<OP?GU2I=A>!ZF<A4>TT&)6,.J[6;YSG4Z
MPUZ#6C>;N5.SSADN<L=!EN2F_G?=24(1F(:K$P]C]//:([B1`#<8QS2;?:*J
MY3CE<D>PEE$1&R37J[GV=T6X3C/)\09($T;5H5GE$8<>/\A5PQPBMB6\VAM-
M&Y5-N?9/$=<TK3P<JM19Q&J2ZI3`$4PSII>HA\]Z,MUF(;.T;HXZ9%8NK>W9
MN4A5R.KC<I4%R+U:^Q$?1_HRFDO,C=KP34J[EGJ?4:5F56OTK,,8L^1W&K6*
MYQ8-7@2+7D`BD_E&21N,7GV&GQ3`]QN<B,Q,G.Q5\4VP[_E/`JM?J4L3].O9
M49138.!<['8IM>&Y]5*\IG2S\5VVT`%IBB6@!XH&1:@%<$FKK1QL%MM<J9'4
MEI"A_9K##KRU#2DCDG>I>\DDAN&1UFMNC4O1JS::9NEMV!<P@V%5A=PS2JR9
M=2B&V10FV8Y=K*R6+MQ(CD,ZAE^6P],ERW8W@FY?8^&?53V"G5:Y2)T32*Y!
M13C4/-,Q#[\0M!H!9ILC"$&$F2U@MXZM6D%>S5+M$Z:W+(MR$@SDN,P_`F$7
MDL051>_L)D/M/<J[BI/+3(NKW8#1VWM/!A-!LH.I/7W/(U:U;-`H5V3R1,*5
M(YL=):KAAV5S\B34S,M,GCZ/O970FE7P(E4?5[<Q=[SL[92;-EBU>T5,R3+F
MKC+,D_A8&8S/M'X?2*'I'(R[A7#[[$?BDHXEQ"D\3\OTX(VC]T[UKUQ_7]FO
M^;56.E=B)6N^!I,[4K0%KMZM$_U[S?+JD-L-;`6</)X_63E8-K;2_P!CP4K(
M1)"'DN(4Y%%35-2H4^KGNGVC=KD"X&18I5;L-DZ&(ZG*E6'^R"=BLH>L9FEX
M9/9#Q`%H]6K0J`^E@DB!!/0(J?GZE')J!=T:U+K8]6=#F^J'LQD-BCD;:?U2
MEBH=9CW.UQ6;*;F#<6HU9C![98J\2F0QT^'8ZXL>B0W/EMJCL-.N2'N*6XH2
MJW)EC>N64;)3=?O]GN40L%JI4?<&7?Y/2YUUCW:8;TPA9,N?%UMTB2A4E.0Y
M.ZS5Y7&^1_S7^<2W^5'BLRW!&U30WF\&1X`\`>`/`'@#P!X`\`>`>=GZ\OUU
M9]Z`5O9UB[80U?7/8;9[SLVQ[/80<,%9+>2L]A*E:_7UP8DXFU!!TT<34PPT
MA]27I3LF5U*%2.MH%;K]D>B?@@\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`\:(WO-J=5GZS<#4<I$H=RM`G2<J
M):I4X8*OC<'KMK*9U>9./0D6:H$-AG/TX54[C&%I(M&)3]TE?A-351HPU\<F
MU=.YF#GO+9QD@_01D>&0XWF7LD7(QYQ2:.OX>P4FO[)?:H4#V*7:V[04`S@-
M)C1>N1JJF&*E2$M<*]E1^P/!%&OYHL1CVT(DJ5O$W>3,+,LZK-3-V<!;<KG%
MZ_?!@H+[!:=AXVMNG;'-FP9UTN\^@C_PWXC8Y*))A45'/JEJ6H*:Z=2$XII^
MP&M-RRG6G>I9C0R@ZKTLO6*Z7HUFK9#+R7J<2T<AOHZ/`"2!]G(C/8)IH'VT
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MM1W:W[YV6)6,\I3AO+!-P_$B@+O=-',E2$+-X<6UU>K@-!U@?&,`B$2->A4_
M[HWY4P4W-*DH:TR$1EJZJ#;W[$A.>X^N9_F3IX]8\0L-B:UWVV$.&Y(PW7JR
M^%PFS67M$QL=`AV\C*3KFG@8D7^&D.R7>NPN?DI'3W.IX]1M1+J%[JW/3-9H
M&5UP3G<`H3NSH32(DR48+'**.&F_;#D\).%CR,3HNY3P'KR/XRB:I#<=XJZ^
MMIUI##3HFW2IK^;]H]DQTQH,&!J%+THO3]5V$O<2IHVQ=:!<ZZK$O8;3<@RZ
MD2:W."=Q:_5XGE+`BQUQQ@G.;6Q'FM*D((_58M$^Q.;-[K;`C4I.6![!D<1^
MI7K)`UVL:ZG*BM1_KKM%R[4ZQP`0ULE81L>SE+CQ-=+E8@5"D-\[%;*-NHEH
M!175D2JG[%]G.A<]-GJKBU(CW4M5YPUH]8&B$JUC;3=<*J,S+J[&J6BV90/7
MJ"]K$_L]HHKDR4D;&=<##6Y;W(0NQ$V!^TNDWOUD]BC$"QUJI6S-O7&,6JE2
MC$I\[<TFR6(U"\P]3GG#Y'L5=7,EK8N(*D=".(Z_$X\[-<=Z[$8$IJOJ0NT^
MQV]>I(BZHU&S0[)<T5>I'J;5KL6B6L7#JK1[VHN7]2-7Y1O(J^YHCM$IXN`\
M8;;F3)[L5EJ./,R&?N>"BET)P9]T_85ITK$$UG'VY$\MHY:JOD!E[E1Q=)SG
MGM_UT98&(Q^&X;M)_GK1`ZB7&6/B1/YM_GXTC\5KLD-J_'V_PG%+]T]@KD:X
M6@+2:_8:96W#A.76BDJVEK^9+68[[*_P`T`:8<0+$`@',<'I5'Z.FN.QYSK;
M/P_`SUTAM1D#7NCM+63&[939/KSH)JJ7[=`D^V5M-SG9K;:SC&)3M:2NL(&6
M8K-@FK"1BI$..J(D(D%7R/)3)4WQA8;56FI";?\`L'WRFG;R!5E5#LK^5UC3
M9-HDPR,2L=MTREVW=*@U<J,&M&DQ[-(JP"=D\!9H=%A&E,,%)#KQ2"W"2J4&
MU'R2]R=_@ME[(>[ELI\51A-QIU%JY-OD8I/CU/W">Y;CEAI6A:,,.T&YN8\%
M=6*BRYO`LF5\'9\F5%ZIX*1\_P`4+/@^Y>L0M<JF56IO%Q\]K50.8GVW&;4&
M,:CRQZ/IE/DV''14VR3W(+=!#T6'),1973'.N$^=Z_%;0S^2&U4J02L_L"U2
M\33:Z<(RTM7:U*L5OEEI@XO&(F\X&C,:,#*VP$`:+;>4_0I,;3WT2'"\EN3#
M5&;_`"PD1[KD9(NU=SO5+W#T@@G8[[+M.3I2IGU5`P1;TRP2*/ZZKU+4=7J-
MEYM$1RRL+1<Z5"CQ4GOAE@FY,B/&;=1`;3\WD)M70KBO^^VRMIOE@A2,<,S;
M+*&%8-`-62;"*9P.'X1A]D(:3%=M-TJ(1[&[;()3WZ_`E/@_Y0R8ALK,M.2W
M/BI=JZ%I4WW@W+5[?/K^<U/+X84K>ZY3*>?NJ)\(K%8GU\Q8(Q^SYT.T%[1H
M<+0PHY!(1V>,`QQT9Y+*I!-:N/<$<4NID<Q]\=0U?6,DK(#,JN-I&@\Y+E2C
MYX6$L,P>+(%:!HC-;_LEQKDLB;R[4:>73+AC0YU^>+7#ZI$'Y.2'@<4EYD<'
M_L8L\`/--VUC&T#7\Z,WB*1&F3`X?4;K)H-PME>]<KC)*$Y').T`2%2Y'*QF
M?Q)4E$YOXAT9:/HY!M1-[#[G:S6P>?FB0C*HCMS.[,2@!Y;5HCRK>#S;:ZCE
M-;R*B/NG&U3]JN8NQOE&W_@?B\<B?`T.=9Z[,9I-J*H!?L1V4V]F@P%6<2O<
MS0I=2*JL-2LT<32@BSD.1+)8*6/7G1*]`A[9"C1>R>/(D2'^1UI^T`\KGUZ-
M;5YF*T?]@&WPJ@-B5^;D5=O=FQVP:$Z[,JA&1$H3CU-OVH5,IR`>U,98KL(A
M4JC=B&'6`C(F+/?4XX286UP<Y`HJNIG;)[XZ=0'KV.#CL]L+E7G[,Z)!V$C:
MI]KT90ZS^SLB#?*3)9,N<B9)1>X_!:)141R/8\&8XVU-C<C1.3*3:OQ]C8W,
M/:#1R>]@,3TM.;1W)SFH5MHC2AI-PC:KE0"QV8I_E=)7N;8<WJ;5)%M/-SI4
M(Z.*$_GB_P`@/D(B1YPC2I5&_G@R/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`>
M?E3]V\\FP#)#8@?:5`@W>Y#:@,52-#*6&``H=KW,>Y9[2'=I:HX(;!KGKT7-
MN$V7U164LN,=XVXS'7,AK:^Q8*_:JC%!.VG*W0+ITGD&!"ML<GV^ED*H&LM>
MLX&\V,""@&9421/[+<[49'9;/8_5-<D\6A+O>KYRDI_.=E7M]@BJ_725F_LH
M&!:"-DK<R+9LSN([@*S54?P\4J]K@D:^W(#EYD1Q,B!'D-<7/0\TMKBOE1]P
MNU]B*%/=3&8D&F=H(*RF+/8KIFM"17I>:WBJSJ:`ONFYO2V35U_-JC3U%!2A
M^BPR0C^13%CE>K;2TKG/E6R&U]S>#C324MI2VWQ+7?JTGB$\2WWB5)YUOG.?
M1'?M5WG^/I_CO?!DZRQHYQ_DER!"7)3(:F)D+BL*?Y+8CN1&97'5-]<Y(9BN
MJ:2OZ_<EM74\[].]YX!^."QCSKLAX=!=??5!6\\Y$CN.O+&/*D#5NN*;ZMQ0
M^0KKC'>][UI?>J1]._Y\`Y'X,&4VIF3#BR&EJ;6MI^.RZVM;4CDMI:D.(4E2
MFI7..I[WGU2YS[N?Y_SX!PN"13R9J71@]U))OC)%+D.,M,]E+26$M3>*;[R4
MVEA"4<2O[N<1SG/^G/`/I0P:OG>*'P5<[,9(]XJ(QWG2$;C/(\[O.M]^LR/R
M.WQ#O_K1]B?IWGTY]`.1J#"8==?9AQ67GWNR'WFH[3;KTCK?&>ONN(1Q;CW6
M4\1U7>]5]O/I]?IX!P\$BDI6C@P?Q#DU1)Q'(4;B7"*__7/6GC?T5-7_`/%W
MO_<[_P#/P#Z6,&N*DJ<'P7%35,+F*7$CK5+7&XUR,N3U3?>OJC\81]G5_7J/
ML3]/I].>`5U=L:H.A3:Q*LP\D_&JME8N$0&-L)X'6BUCADAQL>4M5="D8`>V
M2!QH3'EL?R#,CB'F^_7G4+<2L6K19'\?`^=4G\*)^2J(F`J1^,S\ZH*%J<1"
M4[]GR=B(<6I7&_K]G%=[WZ?7O@A^R(4*7]OY<2+*^QQEY'Y$=I[['HZE+CNI
M^1"OM<86OO4*Y_E/>][SZ?7P#D_&C_\`ZNS_`(XKG/\`M(_QQ7R?=S_T_P#1
M7S+^O_S^[O\`\^^`=6<+AD(,V`ZEZ.U.BOQ'7QTF0,GLHD-/-*>A$A[L:>/F
M-<?4II]AQMYESOWH4E7T[X!"LWRNEY16UU:GP)C8^25*'2<LX8+68X:.&U\6
M5,&CU@F$2Q.?,XE+?5.NJ2AA"&6^(:0A"16VR=+@07'V)3D*(Y)BIE)C2%QV
M5/QTSNH[-2PZI'7&4S.MI^7B>\^3[>?=]?IX(<+`@3%2RB,,'1D1XO(4=#$*
M,REB%SO5<B,I;:3QJ+Q2N]^-/T1]>_\`3P"!6C(*1<KK3;W8XQDB7H,I1*LC
MNV:Q1ZI%-?23R/8)5.BDV:R4/0>3'/@ER8KKS2NH5SOWLL*;%JRPVA\!CCB6
M(41GCKC[SO&HS+?'7I3O7Y3KG$(YQ;DE_O5N*[]>K7_GOU[X(?'1@WK,V-T?
M![')=?Z18[$8^&?V4E29/9K7Q_9*[(2KO'/OXK[^=[]?KX!QR`PB7\W)8H;*
MY(C(A2.2(,5[YX;:TN(B/?(TKY8R'$\5QM7U3SO.=^GU\`["8,)$IZ<F'%3-
MD)80_+3'9Y*?1&XYR,AZ1Q''7$Q^/+^SBN]XC[^_3Z?7O@'XN!!<=BON0HCC
M\%;SL)Y<=E3L-V0A3<AR*XI'5QUOH7U*^H[SJN=[SOU^O@'%T2*ZE2>C!_4J
MG=)J3V'&ZE1)7_J(*Y\?T[.[_P#%W_Z3_P"[X!SN0H;WX_RQ(SOXDC\N)\C#
M2_Q97$.M\DQ_N1WX9'V/K3]Z?HKZ+5SZ_P">^`12H9W2J)4J_1JO71XVKU>,
M-B@Q:F^S4PTB&66!TA4B>J3+DSXS<='TDNN+D=ZGBNK[W_/@M6]23K&CG'.N
MN#X3CO8JX/75Q6%.=A.=5U</JU-]5V*OJ^_5OZ_9WZ]_Q_GP0^N#X'.M*Y"B
M<4PP_%85R,S]68TKK2I,9KOV?5MB0IA'5HY]$KZA/UYWZ<\`^N0X?)7YO(L;
MDSC*X_Y?&&N2OQW7$/.,?/Q/R_"X\VE:D_7[>J3SO>?7G@'9\`\)O>GVW]G<
MD_8K@>2YEH<VHXH0K_J7.T=N;7,N*9J-<V_VQMV.G96J3CX:5K,:/=P`B-7:
MP_69D5@=:ID)XFM$);O5#DC&+C5]=34F;^TSV$T/U-FP,Q+U6AWZEYYZ5VI^
MWZ?K`]_==&LOL)[#4H2VFI5T-E@JMFLIC5O\H#8K$U`:?;??F-Q87'H/W/0U
ML2EKY_S%]E?W:V.OR:()*93F,ZU<5LE.V:I`]!M2I-+T3.9_MJ)JQ6KF3E*"
M0+50;Q,]49KR&VV^EH,0AU4MN.N.TB;2>W^/R/L3^ROV#UGV1]*<F)ALHQ)F
MT[!Z_P`C4JS6-7G6N[:"$WGU!]@]_$`JU7C^?U]1W)*U!$`XI4ZTN+([;!SS
M#".Q6^]=$VI)L[>1>_&Q=_;'JGKYI^WA1N%,Z=N&;5>FV3_3#(N.1J.=^K)K
M-`H/H(>*V&H6"=:-6,-.%+1,E@[(_.A"QB.$$)2H'%;*KJ<6Y^\V_9=[[Z?3
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M9%<$].FK/Z;\6OAC4L@R[2K!3Y6?'K_GU0N1JBS3`JPR:>5L@"`7(5IVP`W7
MPQWH65+7'Y-BJ['E);XZW_Q5SG@XFJ.A9G@@\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`UN8]6<SA6*%;!DFU#
M+$,>LLH63C&67E#YUIE;C.G3689`?-'/O1IGL'8'&$OLO,I[^+Q:%I8^U8M6
M8:A>G^79W6+I3P1*Z.U_0LS?R^V#YA42W&G"Y1K0SD@R/C"@`R)6S'9&GE&6
MF!;<(/$B]89C066X[:>"N3>I';9Z*8E<;J_>B4B[,%)Y.07+1(1Z#R`4F.)_
M\7[ES`LTL(8@NJ6Y\8V5!1-4I')O)26(R6`W-*AEB7IEE4ZU1K;$-:*"G_V"
MDV`]$!VIJ*-MZ\XFYR6I(JRLR!<N0^'`&<O'RT-178CCSCTMMY;L>2XSX&YF
MT84:H,'$B%DB9E8L;!'*+FGVI1@HJ%&:C*(EI+$>(Q()3>M_(^M#3:5NJ5WB
M4\[].#)D_`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`I[0[9A-8/UX5IY;-AMIOO80:M#;7_``*[!:6@)F(6@1!T*<VZ
M1(P`=CEQY#?>)4Q$GOLJYU#SC?5"JO8[8FBXK<!M/NXJB9R;'_U>`]1["FG5
M]Y42HEUQ+*/:`2GQ?)(T/,?ZS-2PU\:.O<2YU/W\YW@59V8&?X]:&@UQ@T//
M#/)XAR2#L7*C7I,AX)97I1Z0J#/<&]DH@FY1E^6\E*N)?=E..+YU;B^]"KZ&
M=5GM!6;$V9='IZK(!'10X*P*K051L*)@_/V$+$E>PNSQPZ'V4[\3#+B&F_D5
M]J>?=WZB'#W-,XZ:*V3N?TGMB.NBWS9_M4!=-&7PDV(3#/%2GX'YQ%T02'L2
M(JGG%]COL-N-_:I">\%JR%Q3^$<E7G96&:1$)4Q^VU.[Z:_78HXO%_UY%?7<
M1+ULE"XQ$P.JK(=]N5^._(C,N07FN]^2,ZAL->A+P^;YF*CHZ`H%'%QG[+V^
MIX*J8$>VY<I++C:KE]D4>SSMH>COJ2HAWGY:D+[SKGT[WP*L@M9G^MEON#U-
MJ+F,6*]X@4)R55H&S32-GRHR;D.\-RXPN&VX2I\\I,D+3,=:0PMYY:DNJZOO
M>>!K3O0GTO,\XGAR5>G9_2)H`R*@`C`.75`,D.5""I$F8+#$ACT!<*<*&RYK
MSL>.ZA3++CJU(3Q2E=Z)5F4$$JO'GRJ.#>%Q9M1#5YZ16AK345($"5X3@UKC
M<%AMN/#'24UZ4U&0WSB.)BJ3SG.)^G@>9(_`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!BCK1QX,4:K4T
M4.L+D&2@+/.C)9H-#)*:5R')*"(!<!-)06GOIUQEJ;$<<3SO$NH[W[N`>6^>
M_L%M-3K\NT>RE;@/UJ1E67Z+"N>3UIL-6A9R^Y%<M<5G4P3;=-/VB<:<#4J6
MW&()0T,^7X4ON1_F_P"V-N/@2K2O>RQP8_KS9\YJ49BJZAVYNV^!=ZO8S$L:
MFD[ED6+F&W+W13LRCY[5XSE])$F[:3Z3`3(\*+\/?LEI<X"CUJ6`2_8!FP6O
M_P!C-4B\AH<I-(L(&&5GY[!,6S+-"5;N5K4*N(>N_)Y8<^W1B+CP=*.6&*TA
MM;\%I#J5>";6<;WNE*LUESJO43+KI%BV/3:C7;19;.BG=$`Z;:+YI%"!FE11
MEX?-<>NI7*#'1WQ1I#L)E,9R>Q'_`"D)2&WQ(G5?V!C1&3-W/7Z(<"6"#*'R
M9L:`2S\>Q9::8.:6/A7BDBR6@NDRT>+%RXFM\1_^W$MM-O\`8B67?O0#CK1$
MYL/N&0D@JA:,[S"TV9OOL/?L<NE$5(I<71&Q-!RC6;L4*<%%;J'B4HFLA18T
MIB"<=C$9(QQ'4Q>=F1E^!M\?`K@A^U+UZ8C&YHH'H%A@PR+$"MRQD2KM-77\
M>#<R5C_B?Y.TP%!R8")0"?6QI;^/)%5)8X/8D\D([P78R\J_[CTP_`TTHJEW
M&MC<_"FK")(W(A0:N/OH<%H-LRZ7,#32=S:8KG';I3WV&63_`$3)=9D1UI:^
MYSK:!-I"!OO3%NE:'6K*\2T*[A>VO'J59",HYGE4A5FV:O=JA5W*NO\`F+9^
M>9-U85;V"3ZX<=T8^AQIIJ9U2U]9#;XD?D_L8R^LTT63LH2VD[/)[!AK'CA5
M:JL:=,+C\]*5TASMFOT@=6P=KA:(RN"].)J2I0V>VI?R1^)6&UDHM7O-5*B0
M:D]I>@6@&5SBIZM'A!ZT$!FZG0R%"MFE6BQ6QRVWH0J0\%JU:4KHN-"011+Y
MR.A$E;OU9#:S'%/<`[1=@WZM76A6@I4,Y,1%@OZLS25]#9?3LQRN\:OKEBFS
M[O&)SH@@ILPQC@QJ*DBY%;2J)%D+3*Z@*::'0*?L*JXIILZ_EEO:I*1][:)&
M9MGSH:>`W*LZQEV/UNDV>I3K4S.J):W675("G.%G82PT=2'9S;3:E+;#:=A'
MOY5B@J#;P6>:3VK)>%C.P9]?JS5AMUGL-!HUU@56M<E:,,0#F@^:.)8FS";'
M!TEUUQ,5]3+?9/@;2R:1[@UR\7BL4B)FVBC%F;!/HEBL)!='4!H6EBJIH=S(
MT>QKA7*43FO1@69SU_R0R-/%+7(B)Y(^KROB#;H11/OC1)=`/WD#GE^MKE?T
MHEF\BOU,GF1MZ8X-RLGM3MH%V5C044<E6^YV)=?XM@FX^J;S\5#:U=XOH;76
MA\->^='XS,DS\QU(7&K#PIO37)35'>[F+=OL+=8SET^B!=9?37;V5D-<90%_
MDECT*4J?R-QM7TE1M.I7OV"YF;(7,7)H.F!2%"Q@KL]D@2HU-)3AT(1G5/UF
M13Y;`&XE40K3)H6@"),5QY:!,J4[(B-S5/Q'D\HVLQ5U]Y9L)\2"JF.:`FUD
M]`IE,&#C?:"]%M1IF_9;5];H@6?`T+L(=9:1$TUEO^0G.L!GI$28N._);B\^
M<%'Q)/+]]\L8SY>A1JCHLV&B5/&NBN#:_%G#RHBJY[:3C)R9*L;88(*K36B,
MLE2;\G@Z`D=.DN/?AL)D.!M9]D/=@37,[U_3;=G)037LQU!W/@K<&^YB2F:*
M-8I(&].6:J+D6L6/F/+#E7UL#&7WYLI$?Y&>.-J6ML-NM#IO>]5=(29P6J9/
MIYRQER%D$92/Y_08?-3D4XO<`MM)!5S[S$;KXFN.TB;(7TZH4],C)1^,VZXO
MB.!M(B-_8C0006AP+Y7;5.N$KURI>[:3(J`P.H15F3.7%M4.L_PQ"S)L7(@Z
MJ5(Q-4\AJ1$94W%@_DN3IL=E8;7V\3YF_L?HX-7)]CRV_#*U8"M*:S8FP3I$
M\O>*W:,P$:P4L?\`6$V9@D(?KU8.PU)$_606)/3&6(D=R1\K+0;63D;[ST\D
M2K0F1F^B5EVYVX-7:R6M3M!'UZ0&L4O0!5?N!`PW>7H`J-8#&8EHPP1*=8/$
MWDQVX\13DA*4AM(',_91DM<H-6L)VO7@K9"PH>[.!C`U;K[ZB$NI0[R/<1%/
MWEZ`);NE*Y.,@XCI.2]*CPEQN.+E]:0Z+M9/['[GP*C=3@*;0+59`+44-811
M"LQQ$`@$H_*+2;C;K1=(=QL5>>:4&Y>8J&8$!F01>^BT<8ZM/?J)MT,(5_8K
MC(RQTZJHK&D$C-JECH$B`.#!9$\#/>FU`-8!$@7RP\*&[#23V@!HI4<*9G3&
M4R77FT.LQGE)#:^I\`??"-9Y8'M?Q*\F1UQJE0(TY`ZVY:]825ZN%UOM79S,
MV'7<VH51L0$5GT\B7[/G-<$JC/P92&YS26'`<6C8+`O86L^Q0JQV.E5RV#*N
M!FUL9%.VB.%@(/D3U)KEYF1A@V`;*%8_]<@6J'$F+F,QDJG?*ACYFVOE4(U0
MOWP0U:ME,TD'[`S]*J5/`7BM:1E=+R>Q2I=DC5^RYJY3+9H)]!\?'(#9<:Q5
MBQ1=$7^?%8?8F-RA$7J6Y"'NJBBZ4H:(#/33V5HH[)*;1>UZ-4*?9\;M/9<;
M23_\Y4[%4ZKZ_"=%FPYA^&46NL6WM/MZ9$2$A$TC+G,?>[&BS"'U&MRZDAC>
MC>NF1<5R[G)!:Q?)%DRY[>RZ8PI4P96/6.NB7VGH,^#]O8+%&N_$<XE*..%U
MO]3U^<^XD-R,.6]0?:$K9!`54P3!I`8#.I2"@?4K&,E$\K?N_#(NBG'VXJ[?
M.*!(#'&XRV9D2#&'-QV^=?EJ?=2%8EQZWZY[C.Q;/*#2^NF'J?8=MCP0,36+
M+3N@6;/,NK'K[<TVU"^EBL3$XI$8Y_&.+=6TEOCD=,B1!CH<$JJU(1H_I#;"
M6"UB@A*O7SEP$;7[;WEV7RX%`\>/S?ZE[*5@!<VI,E]?$RF9VG@Y<^"GBOQV
MD2.,<=6W]KPJDJ^5%_R&8J'JCM]0]A*&:CVBRPL-I-F+3:/7J]H,HERFBEKG
MD#`RQ1[C.DD3%<T3I?D9YECL^5&5!1SG8[2D.)"JIYE=F?4;V$7J&L6]L.\?
MIA+0+P:[3I.N-"_]A4*\[;2-'GTW.'!8H1,RQHX&KCB[4V2(N,V&?#@1N=9B
M<?=Z&Y4..M^J/MV2NE1CZ&6C+JHX#DU;O10'K=G;Y>JS4;QZ^V=X<:D<=;MM
MBLHD14K<-FS'UP(A&+*;2EIQ1,BO@;HTT-I/3G$M*R<YJ!;1P#(PG9J[E00G
M8U:05T&=IMWI?=`Y>-0>9*-_=4X-SEV.-*C#TJ2IKZKXMEGJ?HH233Z&]?@R
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`->J#[28MH?]JZ.LTBN)J$L2P2=T`,5S^+-@V*S66F5<^!GVR**@'Z
M_:;53BD`?)B.NIDR82T<YSO4?>*TT23F^9&P&/G#=YKM4A5E6HO&&[67&`9T
M8/C=E/570;-R!,F)EN5@$1K<I;DY*.LI8XE:NI^[Z>!1F:`ZWG=B4/X/M@-*
M3Q5T14G)989&1>7600VR*ET=2YG_`.-0_H8JT_QZ'\J?L^Y7_I3]?`HRF6<L
M]/[$"$5R-!RLT!++@Y^!'1;9#GQB<VF9S9L^@U<1U@ZZN::K><VDE%XRRI4N
M-'?4]WZ.(0Z@6LC(VO)?6@H4I%?ODH87/96$+FJ^,NNLVHK8&:O_`#E:M9J?
M<&K!=)):]5AD_514YY5A_DH33\*.OOV_8GP2K*_F>OOHY(@V!<J-0D00[<&S
M624WK1R&D!6;=#?Z($D)T>[L.`<EL$0DMR%7NK8JS_S?(S#[WO%>"UD2IS,O
M4%NUT&Q]=SR+9J>1K:*-QG1GH3/2YLG:[/1^*`L6ED39RD@G;S<L#^;&F/-=
M)3%0?M2^]]P5D=&;A_IKHTF%14PL_-E`D`C6V*Y6M%G0S[(45RP_V&K3HM8M
M<,S,`<1HT[A8;)^2)(010F6TM/&.)$K+J9<WZ^>KEC<M%).01Q(W.NL32[3&
MDZG<57YJUF*2<I(LK,/)NB;P+@RLZ42$PH293([@;DB,PSR-QQ'!4Y=CI3,P
M]2(T>T1_YFLUV&%,`=",1`.SV.GP<[,/Q"@P9;*]$K]Z$1<F=L\$S-CRY(A(
MI)QJ6^B5V2EUSB@K(SYJ@>KA")8019RA,I)5=%J.H:O/1!>-5B6CS=1A79DG
M`L,(R!B?[0*N&()N,]'4P36ER/(0M#?VB593M<IGHFM@D]4Y]78K`6"R(L5M
M`ZW91](A&LLTB`7@MVFR0KU&%.:A5KTAJ1')3EK.MM<ZE,K\=7V*%]1:O,+]
M5#1DI5QP2F-W"53LQ@RXM6N4\+?QU0S(L<L.63QA"M6*!<:XS7"5KG/0"4)Z
M,^M,KJ.O+;XA*0K(D\O*/7O0+!:X\L55;A:Q]8YGEX9[8Y)JPP*Z:JYBM\`V
ME"#,@G$<+58Y-:^^7]LE]I];GWJ5_P`^"5:(I>*#ZD7HD8.W23G!`C#OL5BT
M3E:`D3UR[SQ5;IB:=;^#+*/9(-'QM#%09-;(\<@DU"V./PWG&4]X&J(@9R/U
M#;LL8$^,Y8KA<=&,4XS*&:5=[!;H-ZLE4&WSO;J<:N[]F$31P;!A+X1R4]QX
M$\$']%\B=9:4@6K,KKH[U0R:HW2PZ1'K\KN>@T;!8A9:XNEK[,9"!JC2AMGE
M*L]J;,%)Y-BB!13,XA*2U*EQFDO/_(MQ:@5>Q@9GKSE$+<\IV.;8:I0HKSQB
M57,WDKY`*7O0;G6M$%$>%R#FB$J=<Y30G5376V805\DA3WV-$U#T\BJ"KI0X
MZI7/2JJV5KU\K#%7?(%>G;+&#.WDC:&GSE:IS>%E*G#)&;:5*)LE=SDKP,T!
M95S^.#I2AMEE#;?VJ#U=25P\<]3+V8#%UUFL<M4T<!M+U8F68F*//,6L9%GU
MGMVI$>Q,H+.QD`>213)2+)0/GQ'9,+C4A+CO@5D9.OT_UGG3K`$'LCA3FF5X
MCE,^F3+L;&!]*K5?J\&I/RP]$7:$@K.YRD`H\!L_&A+)+$PT-?E?`UQ*1-3K
MO^OOJ?J3MIO\<16;3PU-B/F[16-#L'X`DY5R=//=,@Y]9MC`^CVN.5S\'*G$
MA78!*2Z)BKE/.=91]`JUH1)G$O2%EF-:A4^F!8C&?3!X\_5]OLM9@P:*,&5N
MKFSXHA7-`&Q!SJ@]8%CRI^.IN?*CQ&6)<MQ">)\%K(73+O1H!4#=3M\O.:G3
MXQBAF2H=O4R=1AU^?::=`P>D2(Z!%P%OU(;>*1.:KO6XW8D(Y#DN-2$R./.]
M6%9$L*8IZCV.*Q69`^B\4/L1JGP&`=\G`CPFW$3DB[6&LBB=>LXZP"+-,)&'
MI$N''>:EKBS'&5I_%>6TL*R,1H-%]3,ZAR$V(4)BKJN94FISLY`VXXT^7RZJ
M$VQ%(A6#+Q]HAC[L$KS[KD>+)*P9G68W7V4N?$IUM0*I'354]*Z/::-!^4-7
M2Q'06Z0`+574+'71]0OM!J%CG1ZF0)`KP+8J4]VIR'Q3@K_M])PN1!TEAZ+'
MB-,A61++)0?5.68J-+DAQ!F:N^57/TUFKVHR[`'V6G0M"V>G@M)KP*RL0I0L
M-)B%RD2$;CR8_)SK3G&>JXTML*R,G(P#U2A&IE8;"52N7*2+RJ8XP`O1FH:'
M$%YH/F9KE)0:4K]G$W0,T(&'Y`&)+B/,*EM37(;BWN/+;4)61GK14O60L2=.
MVU_.GR=Y@KJ_\B6M\5EZSQ;&P*J/1,5QTVUPB\814(T%'&?N===A?8GO7.+^
MH:F(CY=ZKBSKI<2[4:U8Q^JWHN2G5C2BE4*NZGI3XFSZ"%L3M>M8N05FVZ0(
M@3YX&?\`-%?[$C/*B?\`9:4D*LI2)3O1TM,N]7"0'3YRGU>#?9TFO:9>2MRN
M`JP%G-,C7ZKV<=?W;A=SL`XA:V["B4[/']DNQ&9;;$AYE8OJ-M\IKV.4^"?J
M>.MTT?!#EH+%D`T\G"F-A#,"N!*U!AE8,29*4'FL5NMPHZ6'$M*ZU'2K[>]Z
MI71'7N6MX(/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`>2-B_6O#9`*!C[Y6V8=
MCN4.VV4`63<`H^^6\A`]@ZK9&7SH>X,V85",4';$?"/'NIC,$P:I#;*/SY2T
MC>_Q)K<_0BYVRSQ.+U8)S/HC>UK'U^;6C4J>$D:W`]CQ+S;/Q6:.-LR%P]U@
MKE/F6YC[:@*T1/@_D7G&Q-VFA^R/0^XD#\0Y+N^>Q.G3E3*W!$"E%%RZHW3[
M!E=SB]Q^>\<;7721D[F_84Y^2A?WCG8J^)^6#Q#XNY&2H'HN;RRTY!8JA<Z4
M`YG3^?1RY4;5)PR8_4JMD679O>JF,"-EUU5X?J<G,8LB3(FL+EB?CC/1'?R(
MWU=$<J]3#[;Z:7;?MIW"8272:EGMEKM6:"6B95DF[K8S?,5U+*YX)Z>R;CM_
MZ[B-:2X[-@R&$.2'6EMHZIJ2M;0JDDO,QFI^G-H`FCFF`5URS1:G?S.A42F5
M[+N&[)<)5[U.@7XO6-68?N5?@VNJT9=-;B5]$1<9P?%^![J%J@(9?!2[$5K/
MZ_-+?]?\_H_]LH]`L)-C.R^H`8M3DLQ69]7Q#(,Y&#HQ>FV<>0GJS\KG<WH^
M!V>Z$>CE/C>2^F(UUX')5-CL\]+@^=Z52]#@$J=&)5^TQCTUP52H8@L<0@+[
M3Q"$-PI'E<D+=(3/8=F4ZMSCOWJ$N=5Q77TJ:$<JJAT=$]4=*-ZAHFD9_=,_
MJC=DL-4N`JKFZY:+&',W@=0#V7&;O;U(LH^:-+HHYU,./%#.QH$S^.C.26OF
M^1U0*6AJC#]'-L@-=G-!\JF3Z3L5-:I44A3T]3>@$6_^MIBPWO5'&[0M)2NB
MX>']D"(3'T(1/G;ZI*W(3:9`UN7\A8X[];1>*-'U6=?:&3J\1T'8Y4N3GDA5
ME(GVJIG5).T22Z^?DCU8HV)HBI(L,I"UQI#L5I:EM04J?$W%P<])W)V@1;&=
M*4"950^GV>\#*VW1U.?R0VQZ^/V-J(?1+(.C7#(<LAZ$S(;9ZWUIF,]]B7$J
M1X)NT*R]>/6.]X_[,UGKHJ$4H.;Y;;8)#4)],'UXJ7LEKH_K?3XM>"6/EO,D
M#U4C1\AE/M1U0(O\<VTS&>7W\>,Y*E"MIQ\S9+(?7BZT7V$UO:[1?!%JA7X5
M+!`8$,69@$H05R]'+B#CDT.G)58C\K(DT@.U_&P(SD],3\^8X[*DN<12-Z4-
M":KZ-:C=)U[AOC*/3`]8K(7&ZF7O^51D/:0`Z#]A*K:]$M((-?RSYG0A`O8H
MT@<;6]&C$)"9C/&6FY*WFAK=0VDS'TTO-,VY>I6G5Q=L;B6@&4%-K#&6;`5K
M]9A[W`%,&OFL#M<@DQX[:XL-3@R!';D]$KF2?EE$%]9&7)4H=O7/2PMJ.B:+
M856FDPZW>7C=E;=G4E\E>XMG-8F&PS^K3SRC+<`AET(4&0=1!_'0^HTI/?N2
MAI*U`I4187L_ZZW'?266MUO0!=4J])L0TO8@L@<5<D2I@.]YU=!)<,0KYD))
M;+"XU)E#FH<U3XO[BW)CL=YZ#';4"="H*OZ0$Q[-$8/63+ENY8#HM&IA>N9^
MZ,*$!5!V?+]0:LQ]<DU+_$T*V#LZ5%,.PU\9?FR.2><^U/P>"[BN(7ZU[`(@
MW10;4A<&[3*M2&\RTUP?;)1;.+?7P.-U\XN+3_[6S5)E>GQL>:_&7SC4]B-.
M5%^3[&UN28-Y8AGT`&./6I\58Q0F)+[6(M3Z'JC/]GIM:K6CGKFZ&K1J240N
M)/F@BC0]MU*F6NOQTN.\6COV<HW&.Q/"+[,]7/:2DWBJ,Y[+UQPN/K0RG405
M7"4D`']>,NR*(7>SO^[%8:2ITO0Y7>P))ECDR-UM'766G$.>`VJIHK>D^DE]
MTG.K]9[?`J.3Z#>;O#M5=`#:H_6618VI^Q1C9APHJFOV8@<KP70651?Y"+'G
MJELRDHF/)Z^C\1N#<EIV)O"]![P+LT<S#O=%E@ZA0Z74LSJ)T%<38L-%IML]
M:KB)JYE4ZUNM$*X+F8!(CMDE,.V"8R;2J3*5R"VT]1N)O@/HJQCEXKMP*GPM
MJF4^V70J+,3HUA*'3(P\,L$*O3IR;`:)BJQ;`B;7/:DR1+32)[3JNJ^WBDM-
M".52$ZKZVZ!H'M09<#`X$:D'IA+1#>H'*7!23`%I./TG*H5*KMN:N"B)ZO3.
MU%N:L>D7%7'ENR7''OC3'_(%327F1TY^NJ[$826(MUQU3@\5*SZ`T7RLG/@E
M:+)I>Y4[M[L[*+4RN=N#C>YR7Y!%OJ8DG@[XOM1R<XN.&\MK+O3*]TS;7-7M
M.JC;:S"M`0@-2L*:9/$P-=@[_`#QC:GK`[6QY2".VJ-#ZL;`C-ROX=R9(^65
M/<ZR(Y)JA];#Z8633-$T6TB+[3ZSVQRR.BTX^NERB.C5'6&\@KF5TCLDVD_$
MCDLSIYRF#[4V/0VQ(D&&.-_(VAOCB@4J$``?K9'5\<7$MV^LDQS`O3*]0&2U
M&1,52*[>**.'"1T)3Y9[ZOU_2C-L/?D,_CN.-V#D=/QJ94ZZ+O.Q5_UWP!I`
M]./%ZE?(\DYK[T?EF1<R?;4!T6M;`'%C;0ERS+8KA4#,V,FQ+G@>19,Z*MY7
M%LK<0W'#<<D?T(L4VN.IL^HU@K=B,6*'DVS^GJ<G-!H.*[;D0^H<*N%6BYH>
M#3J45?'Y*^29_!+CTE/9<IQU`;OR+2]0/7N[9@:O>@7R+5:\1L\FYU\-5:J&
MX-EJKCV\;%I0RR7PFR5)0K%;"D;06_L=92TEIOY7%<X[)<:9$DT]$;V>#(\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X!Y.Y4-]B].W_`!*Q:XUJ<H#F\X]9++&M
M>:U>KU>H[`<J&J`;+5ZI+>HT298<XK0I(-(`_%F2G'W23W.%I?7GF(XVZ):$
M%]E<M]A#.A^V`&E5K49]'WVQ4@PLP#F'$1:\CUTQK);5%8JRH\YEZ`UM-HD]
MK;B8'.)DOAIB'.?=USJH5-:5[&3S_%R%-D9"2W[,3=RS(\2WDX8KU0R:^&IP
M39;!HE<?S*W;35*^6NAR[&?Z3#,1QME='QQHI<CGWLQ%OL/^45\.I?'OL]ML
MT6(IF7Q;W8Z_H&>Z]3[%4J%2'RLR.>,5EMFI7X[:YU+L5;37:>_Q]+@%92OD
M"<F8P]%<G_C+'NC,:=7U*&MFC>]<*ZHS^MHVM#`BU7NE?["FY?5SL2TT-^QZ
M;_5=/B,CL6;H\2SUL:%!Q5O2S$1HAV4VZV`>9><FJ%I'J9_.M`]VH^G5I6BD
M+F7JJ]RFTD]G`?,3T0PR(7:#H*%;W=.=]?1.:=RH#24BS,F,R77()J5*?C6'
M\I+()T/33S+$]I-$]K8.SB:?A@O30U>=!#1I&Q"Z*/NE5DMV(5=)<RWAW)F6
MF`0T]2S(<9$=;*V=*G?S$<0$=86N9X"2IJ0RA.>R%A]ELD@:JYLQ$1F>TZO%
MKCTS+PT+/3630,JW6F5C5[Q?PM.%0(VCV`]+B0>0H\R%%DQ9$:2T)0W)3)Z'
MIVNG4X[+J'M1:O8C0:1E]LTI56`;N%H=K1"RBJ.TJ@9HFO\`KO86)]5OA:D3
MHYBW&YMOL4<I^1,)O#ASSK_8D7\"+(="BIYT(O3++[VWB>"B/W'<JH`:&YS*
MLI@EB>=@#7-%LMZP6O;33HD:R9L\R[GF:UZT6J57R+,=SDE;+[_2)6*+2MP'
MM(JW=_>BQ(K<&Y$O8.N/C[MG$O0V:CD@@?$@9-6KSA3T:X`#H[.2<FPW:]-2
M;1RT`8:YGV#D2T\&PHT:/V4'I,V$M'N53JQ0)=E)ZQ3Z"2D)`7X?3\7I,HEB
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M-PRZ4TH5!:2/MG-V6\V@'S6R\C&YNKNTHP+SD4*IFB5RWZO@*Q6-#`UUS<&9
MY%`4D!/;(DHA`BT9DQ^$QYYEO\J!"I?30@D;5/V`G0]W-0V-AKP4*0%21@XS
MF,)%C;!VNR8&S<V'2JO7!!VP&LH`6.Y\@\"5$@T_(A+6T@VS#C_/"TC]S)U;
MGN+GC`R<=L>N<KVGWRZG-NL&:8M"-$:3$&P\FCA[OE--,Y>2NOY^CG"A#A"*
M4$DG&(*9+L8;!_CU];I/2^A2AM[WMB@6)2*%ID+3X=W8U^H4P+F<4GGE@O!6
MIZU)T>SWFS\`'TUR?6#R`G\(-;)L1I3\EMEJ*3;?>ZQ"K;]CTS]1IOL,9<NY
M3;K?8CXF-%KT'/(Q*C=ID.8(E*+DW39-9[+,IO!6YM1'H@\FY($!X/S1>NQQ
MS''NJ53+IV--*;>/V0DQ*SI6?:.V`.&58/Z"C+HD`5(TA=XQ2OG,TM5DM>/T
MCDW/H0D]9I8N37)4Q+<!M<A=B(\A)7P:]!#&/8_W9GH,!\P1M6AVBGW"KPU3
M;WD`:LAYIP]E^(&+OF=Q$!,=@MAXU1.W8N5AE21FJ1$CU-MQY9I+*5>04CWH
M?D3;_>6VG-!%Y)>],.52F\L86H6J]X.W$N5CML3-8!JU5*U5,%A7`H>SU4T8
M@R*VX9E5"),6ZXTZDPGG6&Z*1[EFWFP?L#J%B%UNLV_0+!5B]MMD2=H=MRX)
M/>JC(#1=UK&71W!V589:"9FL7,#6ZE-/NH#\=>9E)>:GA8\Y3[4U(MI.J6;]
MI@6BX_:-?LV_G*DR+(6FX`ZWF(IT2JQV2JZHF11"@"A9ZZ7DURM=J(=8S\AS
M\QDC.3\\UU<V.URCTT:5*D\]K0>Y0=\RG4,;!W0[)K&2Z-G;\$(J6JMNS-IO
MF54R"6.15.H$/O9X6Y!M;[CJ>OL`@9/K7><6XE01I2C-0\D?]SZ-_I7U[J$/
M>Z=1*R(I>96NU'J7#MI&+6A]]RUN1IP>U6_+2PB`6-TX[88DA1,_89K;L&1+
M>&PD,Q%NPKV]=#<OTUTWV0O=KO%6W5R4RYF=,SQTBY,K`,!+/6O50<*Z\A3X
MXN'%4*,9L+B*'RXJ6XZ7ND4/+;5_VU)IF22Z&JH,W[C#;7=MB2+VVYV.DA*-
MG\F,-S<)6!6_!N:+JQ(X2JU?O.65JU4N)4!%F9X-B/Q^+@3VNJD3+`/5'D2A
MKT]#I1M'_8@1K),DR8TD3!'VX/4A)LICTIMY=4)S_8.9%T6<(:]:2&E623',
M5JAC)C;%,@(X$(//.PX3DI1.(%(G7%3/>#)*DQ7!3VP,@R8;4KTT]5<;K]GD
MA-H,:/["D*%F0H<]1RI:'D5UFP0,DG+*?--@L2HJGBHZ.06XV'I9B]F:]QA7
M(4*C4S3/[)4]7OVK9I30.<-'\Z,'36@^VI>X6:YW616RLD8^`20K;U<B*G1T
M$FYL3XX)%$Q[C(+;]J'H)ZBS/8,PJ\%-OM]BL`N.W7A^>1B5&[2X<H)(:GE7
M3I#I[+<INY:Y)9E1AY-R2($0>OP^N1AT?CW>J&73L;I^#(\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!WZ_3OT_SW_P"'/^GU[_\`9_S]/`/.XU[_`%/A#$7-JO6N
M/70-?M/]E!K&!YA&1H`43GCT[/ND(Y[Y0YNGV#08(R>M,27'7*?<^BTICJZL
M:V]NX)_L6HE=C5GEJS#2:Z5L(>>;<%$(HZ*\.'Q:[<W!Q%Q).2,G/";;I%,5
M4PLC\9OI`D2@/?8W'D_>@78S:7&]F9UQ[1HCE:G4LOG5\+4DG6+!/BJMK+8[
MOVCSYD"RVEX&+M;"%3@SG5R&20EQB6T[U+O4-C+5#5:L?L8H]G&4XW'RW2(P
M72]@J>.YN6EQ84,?:#6B#I9>@$.2R3@^/'B$QX<@HDEE4OH=R.TV[UQ4IGZB
M[7_(2FK^[T>R$0`M>.7(3+M)VO.@^S+#3WF%9B=&;:6<TPD[#*/]@H'0L`/+
M6'0E\BYQV#Q//N?>3%#;I4Q6=^_(70Q>>G8^.Z.``Z(:L`T*;L++(L003$HM
M4OU.$UPG,CQX%DONAC;@S#%A6W6DOE!A6,S*>7"3V0#B8V-^Q:A_+343\]N:
MN%<W*Z9H/:YSEG=R87$7J3,4-;8\6%%=BV.'.R`O!.1)7(*P)+X8[_WJ6XIH
M-I=^%[/=+@!W:SZQ559^G.=$?@0JQP@&L<T)3&,7RO0T]EEZV](@F9TA^URY
M/U1Q+C:74Q_HKXN+6(TM*%1T_P!VJ:M4-J?CEEH]DOYNN+&BFY=.ENVNQ:&*
MRB9F[,HH&(=BR+5;*7>.2'D.J6N"S69[:G766(SKXNTS6.^[HS;BE)A5#);V
MR.OML)P`MA-.C@P95%ATJ'>8E]0\2[%=*_DP)[41\:.1-?ASU?&ZY\?U>\!Q
MH<_L1[&:GG-]D9_0<W@GTL5_!K/#L;MI%0Y1@GH_L]3L=)Y_P(4BML#>$ZT4
MDK:,N2%-PW5\5UE?6^<4"2?4@9GVBH6BLA06C9/$M5#O!C$11<!H@2I3*)F9
M&]?W_P"0E>+.0E6,$10BST?@P6MR%$8E%WX;##_5RT=0+1KIU-A-T]@&,">J
MXZ-FQVWBG:?>[W8I%;(5L1%H^;Y4]2(MK+H'EIT)\U-AQ;M&5"&04=<DI8<1
MQ3?>(XL92J5;,]Y:S&L=O`LTDA-'5'2*13)U\C'X/<V@UBZG-%K3-_L=S["_
MCJ\(&6/+R`M_G>2(K9:7`B.RVG7W_P`07:6W0-NM-DQ;0]7LN9R@Y2C67>Q,
M2CUZP0;,3LP[&+Y=J?!<&S>QQD5DS:T4_O417?M2S)=^SKG4?1?@C6M"E1O[
M`LW.W:O5L#4K64K!P(?M3^CH_#;J`BF026K":]>R1+[G(`^D6&;BYOY"4V1#
M9'LKA.N_<B0YV.+MT)SBOMDUM-EK-7%YE8PTDC$T^5:B1`J-0*JO^MR]3$,(
MCHFM##]A1;U7:`]!<:@,-H8X\MWJ/M:^<&J&,U+W:I&4:?,R@U3+C/L,=P@S
M'?&\#=@S77J37[+1$-*DD6)".Z=9RTNLA_JC_N&A4E+GV-<0XH%%O4C55]BK
MY8M8I%9:G0%UD];0`*<W(K\6"06R]SW@B&4MJCE2J&/N(X$#^!Q+R^J99=7U
M+?9*FF@HJ?CR)9I_LL;R#=3(&SU6:3Q:!G&.E"]O%20W)M*MFBW3;:Y&<F!7
MY*#UD''7*.-C?2*CZ#N\4[WCB7%_$"55YDQQ+V5`;3C%AV.?3+31JZ!06D$8
M%E@..K(5^'5!-T;-!G?QV&CH^17CC33W64*;:)L2X:5N]C]<6(U1T-:\?]NL
M<D4:J5RH^O)/+0NI$9<&E4Z'4ZQ7ZS;I9LAFG2\D8.CQP8HTF)3M4C&#"T,J
M82@46C\=?7!ZMP:<77J0,![F@\PKU#>IF21JMAU:SDB>M[U5KM+J$:Q:(7RK
M)=.'U:KY_7R$Q56[.G;)`4_+2Y(B]E=E-J6M#34B2&VOU+L:]YY$Y8B-`PVZ
M191>F/E/DL9D-78T*]O@=V,@*:]%();/N"#?<`*=;-_@MQ_PR(Z4AIQM][D8
M3:7NK73B\(S'4S`7E./7R;@$<E7XBXEQ:`R]>T"@522+3,[+KT<C&C<MW6U3
M$=0MEOZOH9>6A+#@E-:'2]=O8QC?XAM_M#/4&0/#TVVC(1PL`,.EZ3H,<T]4
MSBG:].G1QD^8NN3>/P'%*=C)0VKJU?)]J`:H5M5/=NN64MT<[G-N%1RSG\I2
M)[D^OS4VVD.0=I?B6U<6)/5)`.29>&DT?Q\GG9+;,V$ZKO%*DM117&A:7KWJ
M(#5F]`/57-'*('_G*@0F&W_ZVS*OMDM^642\SR\N&!=>EKEA0=E&#'I<]7'Y
M+T126^=CLLN."-4*<J_O!'LA$$*<QNY!YEG/`%!>3+%3I#'<T,P-N)2=*(O0
M2DC\-`J'Z_'W%AVTR"+J78/$)ZM]Y,47:8D7[_`)+F>02V278(;U:\4&CT84
MX;IT[DR5K=+YI67SRTZ*8_%$13M$%FY,[GU>Z,FA'(G?G7,'KE!M-B<-]@JO
MN]1/78$-)``-<GPPY2387QK'XIUNGUVT6P1(5'EO-1I-#(GEABBG%);:*#Y3
M:>J2U]_1&FG0UN@?L`$DA;94=D=G*0X%@M,:TSQEFK2A`BF5<5C-B7>`L\HX
M)>N,,M7MS#O0F(#"D2G69/&GUL)8DOB[2S,0]A+1L6U:*"_JS]:S$)GU;.4*
M60E!YA.VR5:EL=!.V9;8Z2[-"0I?^OX_8\"6GCJ&%H=[WCKCS+`-)+S-P/!D
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`U'FQ/2!4<R&G$O79#%GOFBUDT/=LU
M'8Z8T_49HZ9I@&2S_*-N2+W;"'XCQ"-S_P"J"WN,KZGBN([X->KS.:)6?2^U
MM]=:D8=<UT,:,J4PG-M=;N!*OC\IM0[88(<X;(F2A)"J/;P,:PN)FO*<B2HW
M)3O>=3U7@>KS,_3+/Z^5'1257S1VNE+IJ%ZM+%\(5(W`M$N#=ZJ`DGR`J^3N
MFIY(#*ACDNIAC5)2W%6I:6V6N*7WHFO<A<45Z+Q&7QS!K`51/R+Y<&AS][J\
MN"&6-)C_`/81ROP99]^)5H==,UYG\Y8]$5@7*CK^OPN?)]1:R\S%8[6/2_'`
ME?AU>]XW-)SH1W7(=M)7BG2#5C'BX=X&V#08TG^6^#^NAQ]FL34AZ(EL9$_+
M(J[Q"W)2N@]SZGU01_HM;A#J,]+Y78J_BE@O);\`1<GB0*BE:\/KO]N(Q!*S
M3HV.)IT&>*7&=9:4/"_+%7"['5UKO@/<NI%,FM7Z_;,V3+4$KD<2!D]=FR73
M<^XAXL<QFVE52MZ*6NAM9&R.S+?0#7-;YR1.L3;J&S$J6GO$/+4MP'N[EW5F
M3ZT^NE7@"JTK/LXS&Z"RFB+MCMFK4"C%D\10ZO'*$;&=L/SF9!\>:$Q8$A'Y
M4=R+':9ZZWS\5MT35_4KNF+]`0+W]2J!GUZ'OYAI,2^1ABK+6..UC1V,H9+#
M;*'>*DE+Y+"XO9D?B/1%KC#0#GPM?#'9ZVV+ZO,[(^]^F61%<HC5$UF#4G3;
M/92N==K-PKA.&.C'*Q:"EJN(-A^R+9`YY_'Y[+BR71;?!T>0U\?&D?1U2`]3
M);L5Y]0JB>&W[:KOCX*R@X:1HTE:;6&C&$0ZWHE9-H8:%?R/)9)-5TP"-D<[
MV.]T819XKZM*ZY]06YZ(C*H_I>;B0VK$WD5:>$L-Z"JL6*WU`/+;KN8V>RCA
M-R.AQ]H>@$J2(-R)TB.[-Z^/:=>^YU*)"%(;#U(RNLUGU?TXAB^[ZA=\Z*4R
MH\L(K.BINX5QG/;(<OQ2F3H;T<RX28&V&:U(SQ"(T)+[T:3Q;WRLN];1UL%N
M6BZFO!$YZ?)JUKN8?UT.WJMV?V8F9`>[G#%:M#5CTFGZ$<JL+M@&0="C1(5,
MEZ?<C$>.*G<;BJ>(/2I$%MF7\JPU3UZT-F(&O>K].:)4^D[%DU/-Z)9]<)Q^
M0+?7C$5C21D!RY:H0EQNEY06&9`+(=,%X3KL9'W.N.N)YUU:U"4?4HP(QZ79
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MT>"IS\M;9:6KB/\`FY]!:2Z$=/:7Z<6C4,NNUV@4M&MEG;Y6@,FW3JU!L]6J
MN3Q-GGE[5;Q$RP)[#S\4NI63^/)26)#$63/ZI/6%O/*0'JIY%E5^Z^L^09)=
M5YT;IQ+/L\STCJYNJ4*QPKU*C4*2"F&8<X4$;,E'^`#@84MH.RCK0]YEM+,;
MG&D_1(E'77J5/2+KZ0A*/6[#.@TW)VLA-[$;K]1U=Z&$O&8&Z56#57V#M;!F
M#!6:Q$KU$FRHTA(-R4-9#O\`$,=XQU*>"TE^9*7:!Z).P85^DPL$0(LE%CY\
M-/3#U<C!B=)E"*C1V@0_DDHT-[^2&57Q*E-(Y+6TV,C*7WXXB$A67F95XIZH
M@\U(Z;66Z-I=;SE8.OM3J89&:88?L<&.:JU2I[191DHX0MD__:\P=$9G2^.+
M_GU<=6EM_J_`]5:$"H?L!B!;^E^O(G$-7$,!;WRBU&D6.J!U0Q3V%F*>9GVJ
M-*?NA-I57R@U/`2.R./N2^+>87$8D)9>ZR#3ZU,I@'L!Z[GS5;`YIGEFSR?<
MQM7JXE!JF1JPF571]#/:3DK7>L$9G%@;10FK!/`]1U7V('36I*8S_P`;3@--
M=3*D,V]%B?;Q49T7"WI%OTP2'NP/EK!,DI.IR'[#.$U1R.P;;("+%.D&S3B`
MT;\?LA1`EWL=7Y4WY`K+KJ6]%N/KOCBK-5V;GDN<.5V""L5O`R+55JV\!&OP
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MK<WU_B#':@2O!84W<ZM.6J@'`]'9G6N=V4<E3/Z;*KM,KK2)JU?@H'C8+;:T
ML-,IX'JZZDVQ$7Z^*NVMV7%ZM7HAPM,J[UTO5<_"EB;RQ9QDG30DT"9@D9\2
M>!<D7V=.^D?C,;I$A+?2E2WW'7!'6FILIX(/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`>;=?\`0`DV7OUAO&SNWBP72JVBI<-D:>3E%&6SXR2(;L4^38M`LK7#
MO(DC_O1Q+08,GG.-1(,1KZIZ-.79&.N/HM#G/1JU5=IK%8M)3(K'F[XPM0(9
MAZ?0SS6NAKS8QM<@7FMS5%N.;6QQF8I;\.+)C)Y(;?\`S.):%W>19V2>GM@H
M&S2MEM>PR[^87/DK:1-`&F24\?\`#IT8?_-%#%\LD%F?$BZ1\/Q!H`8.VV.;
M^`>PIYU7@CDFJ(H+7/UW$WJH<E4`V`M5D:RH94J^`LH,U$&QKM7RNFN@K@-&
M1M+!9^IE\;KQ5DK$,"R3DMKCG(TJ(Y*=5Q0JEXDB,_KFFV55T;.ZV#7"U*PV
M+1-#CP,L2TXK2"\'7QD+M,?FWF?_``&<L1-@D_F!I22$J<Y$6KLYO^1F\4)N
M-PZ%C9FEF=2^2T`R52T6V7VVQQK50=A68+*O,2HM+A+LJK),@S1XR0$G*^-`
MUC\E$J+Q74JAJ5*$J:DS_P!=T@K4*V,GZS&:M=7/5.TPS86EEZZ,GF:%0_76
MCU9HDP&T.':VQ3B/76#*G)B&8LM:B#B(TB-UAESP:W%T&/4.N$T^ML"*>%UN
M)Z^BQ+`^MBP4\B)-?PVB8QH+JA_;1;#E@%P6264ML-=DS"DEKD]+BWW'&4_*
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MB'(CLAP@U^1^:EIYV+T7<6KIOJ?_`'VGQ*=6-'"!#82W^PYJ;(,TF-;AC5>]
MH)6E.VH6Y5FK,#5$/!1&BN)%$5R%-N+BJ^>,ZQ*>9X(I4_'@3R#Z^A1N<5_.
M(UW7V)6-X&ZTR4DPXSTU]\;L?=<CU.;S^21]\QU"DP')O5?*O_[8^'Z]^+P2
MNM37,5Z)7,.-AL5W>A0*S5RD"L@"V$#FTD9*%YU5\W-4NINRVQ^AL3NZ<Y_-
MHDE#;$F(U)B]ZU#AP'.,26AK=Y%J9/ZK/Y+2M+I_+I2+@?U,`3B.C;I1"Q^B
MN(D7?3;@8AEJD>T<Q:;G5WN:PH=*:G''93S+*7)$EQQ]7/!'*M"LQ7Z_RM>I
MPT17]P(CK:).#SL6V-58A'=^&#E4/+4TYN5"O,:XCZ6D+&5#BICFFRX\.I$:
M//3*:00\%W&#@?K:'0*L`"/Z*/.RAUUE6(XR2K-T&5VSUX_G,O-+54B;58UP
M+=9,9X1.==A/2STSC?WN,RVYJ'W5]#>9X]^OO\@8,B5O3Q@R9'S$_CQ-\UFL
M8Y"FT^[2-:Y<RD4>Q:A/(=V<AZE]!LYQR0S&<AN\D,2VISK;8;B&E_U[P;\%
MG"*SO`>10I]TL%Y5.ATI)VV(T4<!O.?08;-_#Z"-<BU0"DRTDH-CM,D9,Z#*
M2F=#[+4E@%*G;4OZK>G`JOY%[`YC_81<1WV&JA`#8)X:O&G8`*>;H3M0.$(B
M+A=;=:;#'(%9LLIULF8?>^66XWU[O._=X)NU3\"JY'ZY*LQ89S@*V#AU$?#7
M@!7Z6Y7+$S'ST?8BVFVVL/4YFNZ'7*O-G5&Y;`==1_."2S"QKD:,PW%7'5(>
M%W&>$>F!V9I%4MEJUVI&8N?VYJ^,54#F;@Z3RU'CN56^R=(DR6@V%;`J07RY
MI0=KD5$B%'E]ZZ]+=90ZH-VE*$H8]1)E,Q^PTFBV89-L38KUKDU/I(*BO@E6
M;U?CT1ZL<+)'/E'&1=O)9_&Y+ZVTXN$P^I*./?&GZB;M=3(W;U1EV.,S#BWJ
MO!V)7LC_`.X!ZPSJ,]-O=5).F:X0BBLMM<:Y"6Z>=F1Q$@/+(O12#<X66D1U
MQ.MJ6V\"?\Q#<F])XF*6;+!5(.`.9]4;)7M2N8J.&0")S]2K6(V?#_[(.B0Y
M$Y*8NCPS[!,BV\]SD2:#5\:G^D'NL@Y5^I@4>B=Z_P!GSM5D;Y^;;GM`I]D$
M7"54[<]>*U5JO<]0LTZO!2CFMN5J,[:ZUISU6GQ4!VZRL/&2[_#=F+Z\D7=I
M2A,[SZ8&=!]A(^TV/8)4\&'L]5LE8I,^M%"'03%>N&'7-ZLQ9,B\?U.*%=+X
MIQ]I^*`C$^R3+KDJ3*Y$C(\$4J*A\:#Z6F;EG.&Y8-V*:!J.4QH$*PCTUXPF
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MKD",5)5WCVXF=6/,/\0+?"JC-CXW\>ZY$A$;-:C+X]4AWZ)=E3)+_/\`''7G
MG.J<4#=3:+P9'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/"^EWCWEOU=H%BHMO
MV)5&LM@%.VZ[W"CAB9(9H7)NF,,]J%>J-95-/>OG&HE;_*4AKD9U?><=FLI<
M)N-CD]*?8G/,W]F0EN3K=K*>R,V=9J32ZWIY*CL4<M?`%8_V?[%FWJ[EU?9K
M;D:,^((+I29'P,R)/\#+?<<4ZYUUYL-.FA(XU9]\S\*OS;7>-BK5BEEG)5J'
MTU&81P<%3-F]3JUV`*X]52S7`JZM8=')<^UQ[JY<=QY+O418321/2NE#HO3O
M>8G;Z[4&N;971[50%5"SV]N)52"2@YNW45;6BP",BO?U(#=W`CQB#*82U,FN
M_BOS76([#T!'8/3UT%KE^ZPX7;A3<[>7SPI53"5`F/"A)X`EB4#3VQ&A6LE.
MK-7(E97L&Y6HG76THC_DR`SC<@5#<EKD\Y0MOD;$[@)]HB6#XL/HEUO+.H1J
M@?*:);J'7:T`*GK>!]=[Z5K'\C7+@(,Q0@^Q[7$#?,-XRCJG5IAN]3'6\A0B
MI5^!K'I%6]ZBA30,\@7?7(M(8S'>PN?'!T&,[;KW([S?886,5N=<!0AM1NW8
M_:,_7#$Q\=WJ&E(80^^_.ZD:6WJ2,\(]IHO(5M@/[T4`SC&H#31'E>I<K8Z;
MAW--]=H8"'G;,VM-'XEOL%`%F",R,ZF44G.L2W4MJGQAK30GI^YM=9K=9)GK
M?=C>6<VBYFG;@4K$=TS%Z!T<*Q#TEBDW4F%@PZJDP0%4.-%(2H[$:"\4*182
MD175/O,O\$[ZT(\-1[,6/UX]8$3R%RKVMR"E5D[$^S"K8DP\T(H=S(OP+>S(
MAF((@.?NHX1'*]@?;*XU(6AEYKJNK2&E7X&GP1/[`B671@UC>O%OFZ/3M*C7
M.`9HM=A2,VLU)SF':4UB0S:0H^)<!&QZ/+)`(ST:)*#MC7&6(SBX[*)+@UZ:
MDA?G>];US$5X`1T`14XFQ'%/:*;I,C^+)/3)E#ETFER\V%5Y9()DU1K31X*0
M*Q9/\&6D+C$_SXTC[F&VI/33SH6MZOTW>)M;]GRUE5J-;U?1*=0QX^UZQ`!"
MU1-;'Y1-#V9ZFHKL-EIS.ZKH$I7\<]QEQI;?%*BN/1?@7T1TT*E'9H,CO^GC
ME>]:K;FX_.[`;&;`*,^O4+1I;NE.UJ@0T6HU.CS'46*9.FC9G$:0R^4^QU"W
M.OKZ^OO!:]=2TO3W+[14=*KDR9DMJSL_6L:OM2]DKR=AQH4#<=I,Z74CE8N4
M`TR0?=T]:(HRT$VC2T*_`A6)F%U;;JGHD8)4I_,0,I5/:"PVGEY3,W>#JV<3
MM\??94.J<7/):RFIY%W-Z=0W'@:H=CRJQYD"7*DLM2.SW9$17YTAB<EUOR%K
M'IV,8.F^]%JG:*23S;Z0-"3KI=Z=6W(]5D/R+="K<*2'S>8<.UM+MOH\6TQ5
M-H[`8@CR'WN(C2'(BDNKH])6$G1?=.T72S5&AW_4FIP0I0Y>LS'ZQ7+>*SR[
MV0C[+10ZLW%TT`1-6/&7BU6K'YD=:G>+@L1N2),9N04>3!Z>IOK[,R?89&F9
M7%RUS06:W*8@-)711P&57)%P?T>C1;`WKLLM#FS0]*CY(^<>AO,K93R6EWJ5
MK((&MJIE4IJ0`)2=8R;TG]<Z)7VM@'2JYRA#-E[2V`1O<Q5)>B%I%F57([@V
M3'('8]GD#VYWX45\EP/V6J+Q<I*%]%JG)LIS\?WCLQDV*;/;Y71RB]RG6HE_
M%Y\+3#L8FL>QI'.@V6SI5>F)EYR89&41)%?6WE+(.QV7'D27S#7`]/D<L(![
M<B)M^DLGO9%J`S9+O:K+`85732I(VZ:GA[Y2/E738B>Z_(JV&%K8Y6A<!U4>
M&;:6UUEV4PPTD/3Y%O96G9Z5D_M1I=YCVD':I.=2K#2[/;H0-BVSAE.I=R;H
MQ:TP8C:0S5V'UB*)4994PTTDG\J5MI[]Z>`Z-I=BEZC/]OK!57+7$LOLF[G3
M5<K,\!PQ7J%!UD]7K'9,%;UXI,#M5IN9(N5>`2;^[4(\=IK[F>L.1V976QG>
MP>E>!G@T;W;-=#!K2S=Y%7%N9OI@RPV6JYZ8L+S!;7Z;4PM2L=?:A(BJO.89
MW1)UX+\9;CK26/,MM/)<9XTQ1Z2OUS/=7E+&EV06Y#2G:=!KQ"W5ZM521I^@
M7JK/^Q?^M[&8&V6N13M;S>V6V6"G$@9-CG]=B3X\=YWD!PA)=@])LKDD[?ZW
MJ(:'N5IU5V'HUG,*##X0ZM3:K!NPN]^P\J+3X3HJN=DALO\`]+UD3.4[*=X^
M^XP/6J5^5)?0_2.G8CNS$?;,[[(&ZKGT77*CETIFDUN?8P#0.>%<`R[SA$PS
M>*B8-`GP];.-UPU<QST7B24]M`UZ6_QI"QB/!52G:I*=3=]JXGJ90X]6G7)O
M4(]P'A='/0QD4EI#.=PC%E&-V.$,KP,FX4/OHC!9$[^-&NR7X;DI;3*5=[]H
MFF[R*<.9)[5WPK0AU[NFMDX1;785@LIL+$I=<B4)BAZ`$AUFR9Y"Z!?FU*'8
M*B3*OR&Y:R4E3#B>=4AYAM7!:Q70Q8PG[TW2[@ZX88VBA!B];Q<+HQH=#K'&
MXTV+8,!_N-NJ1J4`77JW,L]<,W1)""-;G/CNQ75NNLR$06F0]-.QASQ+WM=I
M;S,TEN8?17965Q31(34Q!.I"<I>R*(J;9Z[!J57+2RFL-^P/4\LX]MIV;_%?
MD)9CM"_B>2+Z?*A?WK;7-Q=]F[A<-CCZ3/+P<QM]/+V$V#"!<D_)5L;I"C1<
M?;AHX45`,9K"'SB+;STSX)7>-O.IFIE-\$=*:'H]X,#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@'G&Q[UJ%@ZS8&\4C0:`9#0+ZQ+':$*46&Y%8]*KN75.Q)K#
M%69AOW8C9+%U^=7&)JDC83/?OGN37&H*AO;J82O_`+`[L8C!.2_72*+*7`EG
MM>I<'NSB9<6?8M'C^MYH7&/DD4AE((4-J_LR)?ER6&B+W9HZ;%CQWT_B2)0;
M5XG7KG['25UFK'TWUUMY-?\`9:;FO\N2.D1-,'ZY9#V8`R56.7M%#(5*,`@?
M[,X_`(0I9$D6:%2E)%,(7%7(#93JSO3_`-C4`=3K#9R&5.AC(^K4^\5//35I
ML']WTBF%<Y(:)<;92(%:S*T#C5<J3(>?`1-9E.1ORQ\E1581E+;CH;=:'R-]
MW-%Z:?'S<O$$;,=.ZN'H=.'WZ&,JQ&MY;?-^AOVL_=B53=)!++.IN(2ON&HB
MS8*YZV>)?997(>C!M1<.0>XL74.6,S.SDI5:5&H5TTRF'/[#!/&[/4:!9Y-7
ML+I>KQH$+M5+NRD,NPHO)A#YVW%<<<96CB5B-4T[FMP;WOTR'9K:5M>==_AD
M0A=E@U,79AIJL9[FI.E>L-EFZ+H-ZKU&GVN()JL37Y<TKV.(GL0&UN*<<4/9
M;GM"[5T_'<O6)[M-N`(UQE9IWE2M$:T&<XFB[V)*%;/6:SM&88IT@:'+$0!M
M8*E36F,S&(2)Y'C<:/\`&^\S(<ZRT)M[%=3O?YQX2.Z8H)+-I,N.%606^3G$
MSPRYM:L*K%JQAH(?S\*,D:;3Z8^DM8Q\F5#>CCI[,H)TU$XL@S"[3M#?V"EI
M\L1#5ABFER:G7M6-N-Z@)E-",=N#N4)K-@B+;K">%[U(;U-O\H!SX(\9<!S[
M"3S3T=YRC;YED>P?NC"PN[/TZ+0U:`XP!6M]X-820Z0*O$NNV*VUNGV21+I;
M]-`MV2O5I]]EUPVLGQ*D.\&+B_=)2(HU(B(]NK_>M>RW/A%"'TX9!VXME.UD
M7[F+/+391F>^Q)/M5J`^16!\X_6G2V50YR3B5#)GVKXSV#]B9G6A=J2KY'/<
M_>B>#OMSSZHY+'O4^ODBD8"::O9*M5D]"J8K79E_5*.&\Y1":,U`OCI`6[%#
M*L#'Y[O&'Y49YI]IL11TJR!VO]@<E\R.<I5,F2JN&("[C+(P)<B7R]YTS2]<
MD7L$S*.4\6%&6R@V2B_68@*0.1^/0'H;DQB1\K'!=IG9GOI-+KZ_6<LM3S<B
M2U8\K`#)T2=;/8R@2:A=["'L]%'SZ\T"53;"L0.81(@%IAF*1F-,283#;T5V
M<&TV1A>PJ96(3-KZ,J+@>0,K*ZCT;<;&4$6JR6-X37VZLV\SFK=W'ED:*257
MV(?]<>,29R$M_P`>W)7^(D9IK0UD"?L1F'8P:='PLA&AV@S6\YK7Y]^BP9TK
M:+,&I12-43`R74V)E<ID)^YI8DG9*?S&NQU=Z*^Y7V)&MH#^R=CQ?UK`ZC)Q
MBKG[Q<=$]D9=ZKE/L%5I0V*WD:]QMYXFY81=40/MQIBHY&D7&D+A1GBDU;+D
MIR,CK[K04K*E3LV']A$ZJL7)TUB#_P!^8/D`.D,#=)$RW1]TE$=:%TH/4>2J
MV._M@.Q2LG<_-)O?QBA:"#2N1I7&)?6`VEM9=[<3+W9M?"V'(+94PN-B;2Y8
M+C!X?L-8E6C/'8<+0*C`-3:95P9`A#(R7/XCL*9-=)PXKS\AD?WC;3@CB54>
M]_#M4KC-HL6&-(&-Y_3;\4:":N),3XK.L@=%.Y")'-O5,7"-23C>=NLFY#4A
M,,*Y+;7'=*,-276`VGY8/>RY"[#VBKP"P*LKU@N]>DOT\\6T'@,?0"&:U:XW
M-Q@+G:X:!=;MFH1U]24>%1GA`R9+7(:=[%ARA=OF18=[X6J;#HM4C9]6[U-(
MA,ID7&XRSIX97S8HIT``VU,&&G.&:_(N=./'$M($BYI:$ISKK$M^`\WR.H-O
M<^1/OC>])"T-JBXL8SK^5N/KD1.F;D1DA8K&/[!M&24T(3HX:VT`'+O,BQ!K
M<1%S^,,P8HF;$=[`G$>_B./AM2ZEDZQ[=6NG;2W51%:#L42JV*U9^5(&;,XT
M2T#4NYMF]QJ5,%UL)1K=;H,&?+U07&ARQC1(C/)<7%2-4ER,X^(HZ>97,+]C
M!U%8M5^,X^,8K,!VC3JU785OM,O1"%;EYB*ONK$)P"%F1%B'(SF230UQR:X+
M'+8>:5/EC7%I0H79V+M]A/<YG!;);1CF:3;<!HE6`EK,9BVP:$*)L5V`:>:H
MM?"5Z>->X6@$WLO?CD"2YD9`[LUIQ#,I#4O\<11J29SV9L3=`@%>Y=$_V@3V
MZ9@4.A*T!A%5_NL*:44[-D:-VK?.Q6_Z^(>F<>X#7+4_]L5$92U)7T*:^14X
MG]@(ZV!LYG4O*2I4IIQM@"`%&;>'`M193ACUY#2'RI%@>:2W"A.^P#+BUQVI
M/7&Q;G6N.=D,<\#;1ZDGW?W0EXS;;2`'9,_=Q50Y$#%"R+V)K1%Z]F,GT'7P
M%?'@B(B4F2#F@*)R,^5[+1V/,G)YR,ZS'DNM`HU(5;OV`3:&[-_LN(SEQI,C
M5`U0=KV@###]CMN36FQY43K,R+)KPE5??N6XBA]:KCRU2$$>&8\E[D1Q+L-(
M;?`C3W[$USB,HI2,Q)VT+,J\,V('D;?7ZT.4(KM/W6Z:!8HY=`0R1D$X,[&B
M5>;'K;^!TC";7\L=IR0ZW"[39+!?:!S<;K9:ZU0'*Q7XU:=N-*LCMK@&)MGK
MT;2K]E\E1RM,#(4JG%D&:`](3'4_.;5%E-\Z\F0W(89I'&AMEX,CP!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`/SO><YWO?^G.?7O_`-CG@&GG!_HC%E/W#D3UL;E@
M3S>GR#B6J%UT18KU3W=!8N"W^<[^%/MU/K2CS<C_`(]G-0?ST_>MKCW!KU>9
M`MK<]*[/F/!LN+G-G&1*W5MP!4^CM4WA>ZU#,R5%)P&!#,F-V'.`RH.3AATM
ME"D.)&"&V^*:3%;4T"W5%*U7T7)[*!I=0!9,/MDP6Y5*G8$`:X`:(&\0TE[/
MVL]!,2XT&>\:H5KI\?D#K;/Q)2S#Y%<5_P".GP/50R=L#>C`_7++B6BYEAH:
MS3*%0]"^*XURDL0K:!0QJ8:)$&QB#/7'F:=7\[*=E-*;1'_`DK3SCB/R4I!;
MJ5524WZ%Z7M#[2)L=6P^SSK"Q9+\5I[D.A.D;9-I=:9T$P2?0:?@B6'V0AIF
M:]+GR(L/B"?')#R42EK6"W$KA;)ZG5M5S*1;SC5>EYRF0)OSD8M5(LNG.6ZS
MON$@AQR"\KD5\Q=6'4RHZ5*^4FVKB^==YX)1D!;J_H!%BS:5%K7K<B%(N0.N
M3*^.!TQ<0C=;A$$&`H%4>!$4R5)EQ%5@N]BI^7G!XUGCB4QXZ.(%]7F?>YTK
MUWRKE6LY3U-$Z9+N.PU]++E,I.1N3!FG70N&#A;443>[/3([<HQ86X2G9D54
MAU,MAN6\GBVDO<!5>E2%9;;?U^%*>$TT6#P*B]''&J6XP:9HL,Q4K>3L$JP-
MUXBM*WFHIY\R#>G==2M7>?A/+ZYQ$9WK8/=YEI!I/I)5&^C`2/7\`Q8]#L6=
M\BP(=/'QS>C3"-6>LU58XVPVS/+?RX$(S)81]R&I,.%'[]KC3#:0]3ZF>U*)
MZCB+YVQ[!!Q&+I2*/--?REW@U5=OY00LK@B632Z3964Z$AS3O(/'>?5/79O(
MR>]4]QM0BW=JD5<O'HG'O:=!<LGK@SHE)J!#14W-4ZC-V*L4ZS1)5K)6_A_J
MN21D`R,T>00=E?*A3L0Z\]U76IKBG!?53O0YHIOT>'6JY6*&_P"O\:[%#X(?
M=R4:+4>6@E9+\//0PL$MUICI683L@\P7YUKO%+<Y((*=Y]RI??`]5.]"'V5[
MT1$CM"6+MWK_`);9#Y@AE9Z]UQ.9C;2$NJZW81BQ\>23'3H/#X4%++._8^P]
M'82F>X\CO$3.\#U>9(Z%5_2HO2KP=K5<RR54\G:(X?H5G.@8$--:C80&=H)&
MMG#9Z#$6P/IX&*J+U]*^1NQN<4E:D?3O`>ZNIQCR'HY5Z[<Z!P]C`ZHW2G#=
M7M=(.&`K-;:SX!4*Z*%V'E=,/('5RL!ZQ4H<Q"6VHS;"FG"'V\=6Z^H/5U.C
M!N'Z^)>>&&!QCUD5F8)^``-18G:(S61$JT!9-4AC9<5MMN+!DS0->DCUI^U*
MV6!<EES[.0WTM!ZJ]ZEN6V'ZVY;3:92+,&RRKU"?**U;.*/+%UV$**DK2'-0
M#(&HU_L=,>3(L(4[/9F)CM=2]&FO_/WXW7.]$56Z]RF*??\`T;V6L9QMC\##
MG9M\3_60\P]!I<P\.M&K!&#1^@E)S;<EM%@+QKPMN6WUQ2)'2J_L6M$WO7A?
M4M-2;0=E]+*I+T'7!NC8.`F$#T&GZ9?(A^J0')U@'09ZXHRT&&GV_P`J9"&`
MI?5N/*5\<<8_\B^(AN_$%)=-2-LB/0$`6D#HH?UM@&J42<HBQD052OSZ^1U9
M)IIRIQ1L>.MZ-VT,2"C7X;+?V(9[/;^U".2D\#U%EZ)&]605PSX+IT;'1-ZL
M-L*6+-A]I8K4*QE[>7F`PYLQ7FIB&YTJ>6*SQ466\CZIDS7H+3G5/*C)Z(JT
MTZ%7#I_Z^'B?)XI_UC_E;F+[:D$H/]#:D'0V1DEF$'&2+/$?,,IA7.GIK;R7
M.--O`Y#Z.][#?6V+ZO,P@>S?K<Z+@6@&3]65B<I/0;0')P.T1R/1;+:;'!;$
MS0O&T*_AC!.V`87(349*'4SHT3X4)<3'\#U5[U,I8+A^OZ^V^\GK>_Z_'K9`
M<H>=VVW6@36EO$>:/415YH8N%;BL),8]&/4]42?'D0I3Z$18B%J<0F*GK8>J
MFE:"KUSTIU73[EC%9R3%;>0QJJT"2>6,J=(*`:TY'.:330%,[#C1G?P"53=K
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MW%+79;^O.M,.O`FJ"X8L2!VFAAE'O9B:4DP(OY-:TEMJ3#=D/HFI,0E]C(<(
M-_9X'J\S#9]H'I+=Q;!*GC<;8J':6>+!CDH-2ZZ.G5OI+:H6@0H80BF!8X$`
M3V/;9)1R3`CP9#!2<XVZ_P#=/^-H*21G\!SC!A.M;UI67WBN72\V0O`K&@1J
MW'SL?'IR1!BSGX=>F0J!7@+TXATU8R/S$"RYT^0XRIM;_7F9/5@VZ)/H;=>#
M(\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X!Y=3OUV9$Z9N(+FOEHQFW!KHB-6^_
MP+4T5*.7YBZ8\69@1)<$W)BXW4*N0JPIM+C*IH!R9Q3S;J/E;AO<S/.>A00Q
M8&(_-C2Q`K=)-5Z11Z\`E<@U@Y?J5<*U8#("`<OUG=K(FUR;=*.OQI2)I2<7
MZX\^4?84EAJC<7/!]3([5J*68CH$^<J3=6+2,A,5Z%!3`'Q?9UWVB8!S)"I\
MQ1-;=IF/C?RDIC_^!UI7Q?.WUQP3=^/M0Y-D]4D[)HDZSD]$(!J98JM1:_;Z
M1`K(E\@4EYK,U4G4"XBY29/Y@+XR6J/.38ZHDMN2W`9;;ZQQR1UT%*B\RF)W
MHM.GL18%JW[G\[8V='!&CH&A0:?8;2!N6*`<J_U]!1'N,J#)HL`72X9V>+G1
M2ZYA6`U+:>A*8XK@;O(R-S]'Z1?`R)D#57&W:K:-`/0"+D1$VNC[$7VJQ:99
M(=D9K5GJI23#$2#!`-+CLE1TE'V_*MYMYKJ>@I,[G?1YAV8X2IFI0:,`>M&4
M6VHC<\ILP/#I/*`%(`R%DH,MK0)<4+H6AU<BV%+&6F5#B=>CMPYXN>I3TAT-
MWCU-K+;F,N]U6B`K1:79!:GWC-K[-/#P\4>@\8SRS"[.EGHGLF4R+AFI0WXW
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MS'*CML>GDK`;*Q`[ZPAEA@'*<ENMK=;E+GO<XEK@UN_,EI;T)%/$-**5Z]0Z
M^;O.FRM(K]Y[4C1#3<UDGKI;=!M$:E6U.B#QXB=VTW.:X*D1AD:/&BO.Q244
MPP^\E8;C@`?KTI8`/:@<>WN\CFV]1%#"S5?><LL6KZ14M,K$4)8"9BS&H)I=
M,7JI-\>N###1E<<4EV,IQY]]P'(V-@87R)GFSYS.-AK0%U>T:=8HL2VT]LR'
M$0]0D2"A>N6(,V=A(N0B.;)3%<YQX:XY">0QU7'&^R7!FO0UK<]`WR(%56LN
M[6VS@YD1)PR\9KT(E:2NI\R"1A2;D_;RA<B8DUR-F\CD9H-,[,D]E--OODI'
M?D2Z-;O(R6B>@54ORU37[G(5/;MMDM,>*;!22-:E(N-V]E+/:`E@$UZT4XN:
M%D@_LV6'<2DG%^G84=YWYD.2([LH12-BK]B\RQV/+;73+<U12N:"[/3_`,5R
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M1:3)^QE:D\9X_P#CR&!$Z+S(`5]!QI(?7J\G4R\>JP,TI%%L`SM4$/D3Q?,Z
M7HU+HUFA&.SF_P"`BQ8VE29!`:B.^U.<B,)0[';7+3*#<=?2_3>V**URU93?
M&HENBZ[!MZY=FKHLL%KX@IH="NU@G?PO9PQPZX/8H345F.B5$><1*4M#S;K3
M:N`I>)CYWZ[:[)'58-W0G"@2HR:<]`"6BK22`HG'&XQ#P^^C[%&K=QIRBHZ\
MU</!DLQDK8C#9C;Z7&YL*1V&V+N+\PGUL7B5MMQ_E]E6D05`0*?3Z^_61@9=
M2JHZ_P"EZ&Q$(&HDN3,MA?I/39,94QU$5'8L-COP_D*DOOC+=36%_P!#[$-G
MXC`>ODZ^QZ;HF3,$+#T#6*7&`X9BL?4[&+H1L1%E3Y%QF7BRW]4(A(C(C(>9
MY'<6RSR*M4@:W&S^N^M#&K:"*N*KO.KXB3`SL1?ZRP#@D7;8+R73.:Y060QY
M^5'DTZ5$N*W>$'D,S?SH#OQ)3'>;;DH&4Z$0P?U#=QRVB+F8U"=>BX,.2K0]
M']1%5>$FNNY[B.;!XCS,,@2>=GCPV'PY$B1\B4RYL^0I+3#*&&&Q7*NA$+IZ
M@VS5-/V*QVO0&ZY32&CA='R(.'K`<@2&WL9BF042+>+$7D3$N&!`XO2IC*J\
M]';3*;XEQ4O[%MM-!NHCEB>C?4V"*?F:M*1(FKD'+W_7J>BOJT:Z3M\_]P"R
M-H:Y9R(F76:U9),V-6X*X;A,(P0D?_521Q]]MV#<)/H<$*#(`XUI9V6H6<SQ
MR',@@!@]]ZDT?2=MM92C%.NRI_YL70:%NQ>J&I*/@^6'])++3+JOL31N+A]=
M/6@%Z[O:#T,3C&T7,Z]-A$)`HE&LL&O?V6Y6P;63IF;9S<(Y'`E[X2_#5"@A
MV$-OK4N.X^X\^X(W4V:\$'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/%85FWMZ
M*LUJT'E%UT_;Y5/!`+_/M=[J2O[!;A87V%AV,GBSP6W1K#6:$)D7\=,`P84D
M"](<4F,TJ&I4A]`Y*JE#L"<V]T!HE@W*&["BT'J\Y`C$ZU9Z:&M4K3J\U+$X
M98=>_+O1WA#,@`7KW+)"=)FG9#C['9?"+B5N<"L2,UV^>U)8UJT>@%MDTNT5
M0(H1H06N:)F5FK[6N72J>V88:6S-]VWI#U:C0+9'I;_\=(DP9(=EF(\\/:^D
ME;AC3O3\4-I\HI7MZY6_:WF@7>X,WPM_.]RJ%\$&/6H9X=9-#+4@Q0[&]=+#
M#Z"/5!ZM#B(](L%&C*AK4ZTY-?FOJ&7MT-=+-E/OII&<7H5?T7UJ5,`:*X#&
M5^]5(0?_`"-9Q#:M(<#B+"",PIP6;E>J7H#G`N2Q+C+>@A..==7"?=D+AJL4
M]#8_%\EVVCOZY\*+^W5](K?L=9AM=N=K%GXXF\V/:;@9S!(P5,(3VZ^3.T*P
MIDE/HI34N8OJYRU2$^4RVBKG*'[TU$2_:JA+OYZUI8L[_P#0RUXJ':<\J'::
M+2J($#B'YL8+6AHZ@6FQG7.1OL[+EAF$R.J=3$;\&O3W,6+HON_7;"4DG;;L
M=[6&W6JQ(M,BNQ@E0T"@#[-H`\/9).F0=8;)U,/W,R0.:6CP`T6*Z=$(9)#B
M"I<MU0E8D5'Y;[K`*N,I=(?]A11(50#E<#G#>FUPH#AC(].UT7;E%)%AM1X@
M3TPSK$L`1JA-]N3R.&_"XV[%C,DHJA:QKV-ZL!CZS4M,V2HW(3J5IHDJUM2\
M\T^[FXTE#(R)"EL.U'H.7>#C_`X.$Q!3`/0X41VP+E.=(Q43HLB9,&71JIN#
MX,CP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P#IPQ\`>E],"##@IE2GITI,.,S&3)FR/M[
M(F/\90CCTI_J>?>XKZK5].?7O?`.YX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`H(M[0X2#@7\B5OT.''R_5:CB5W0X+/*F"-.ODJEPZC66Q[8M<XJHW(T
M`5QJ5#;?A)X\XI;R4QI761:,L!.J9@MZ#'1H]"7(*6&541C";A7E/$;7!=C,
M3JQ!:X1ZN788;TQE#L)OBI+:G4<4CG5)^HE&8^Q;!GU7(`AQ.P1>NV"!)+0G
MX2T38#(B(^%:?+$9["U1!XU+9YAY+SJTH<CI<<1U26U?06C.MFNUYMK%<`62
MGV<7*:LE-&:&.#/DA?+*FD'.=<"6>:!BSY<^$(+L?:XPZXGG.\5Q*OM<XI"0
M::,#4_9#([;5AUW18W:I43(X27"G])%DLQA&1A_\A0*<-1?8U>ERHIJ/&4]$
M<XU]DAG_`)-]5]._0*.M";D=5R\/_+_RVD4(7_7B<(*?_D;A7H7\&8),NR!P
MDO\`DD6OXTF0CLK<88>^QUU"%*2GO.=[X%&<)#6,X%E"@F==:PQ*KS,I^UJ6
M?#H8IK4:)'G_`'W%Y<Y/*SR3$DI<9[,^+CJ/\\_Q_GP*&');CF8JOV>T2K`I
MT)5;(`J$J2+&$SKYFR6L34C-6$5$>#B$2-PFV2+>!B(+8UJ2N4])XAOBNI5]
M`HS+#]7H,MH5PA8H54+&*_/M4:JWEQ-*N;-=$]D\*F)U1LW1M@@C1O(;JGWW
M(Z66T(ZOJOM_SX)0^$['D*HA@@G5,W5`KL`:5L$U-XK'8@(68<0R()&)/"GP
MC(!5YU*(SSZD-OJ5SB.J[WG@M&=][3\TCSF1DC0Z,P2D2P\!@>];0#4Y^=8H
M2B5?A,Q%D$ON2S@Y/9$-M*>KDL\ZMOBD_P"?!*,CM>WC'K2+$'PFC4^57+)+
M$#ZK8U6$1'!6TD=3*Z-%U<C(F-LFRCRX3J/QF/N?^]'4_;WO.^"T9*&-#I9`
M=9R8&Q#K:U3G)<>R0Z4]RZ&!A"%'[)?#.A*O_+%UG>M<_P"$%#*I;BN\XEOO
M>\YX%&54#]J<0L)>N`1UH)I*654V*PQ/IEU%MA#$$S<JZY6;C+(U^+#I5K?/
MYT>A1QI5R),DRA,AMIM:N(XL*,[P?V7R$^*S"PB#-@EUC8)3`^BVKM"OD2MS
M"DTH\%&"#1>;6XT6I%RY:.N-%BENPGWGN<1Q/W+1Q049+9>RY@/OQW,2-R$C
M;I6:'$TT^,(J?@11-'F%I01L[-.2V&0#+;)")U+[/97Y$9MUEUUM#3[*W`HZ
M5,A&U7+YCHIB)I%"E/'@LNQ@V8UPKS[IFO0$RUSCPIMHBI9$+"1`?Z[*9XMA
MOC+G5*Y]BOH)1G#;]8SJC0BLNQV\#$?$`[18G@S12#)L4L73!SQ2SN"Z^S(4
M6*/!H3"EOML-+6W_`(XKG.]YX+1F#-[OF-<TJ#DYP[,&6XB,BE(ZI5>L2*PV
MB<+N)V%!FW;@OM0'&)8+/C4YN)(FM2%1!KSG$_;Q/W!1TKV)#$U?+I[PR/!T
MF@S9!H')LP=B)<:[(>+5N$W(=F6`8TR16N>#B-0WE.RVN+8;2TOJE\XE7T"C
M,*2WG$A$*O$2.NYM&@VZ4'AU:5VZUUUJQOG[)&IX?^#4R0<_E6IUHEMP$N,?
M>WR2K[%*YWG?H%&6QX(/`'@#P"B\^]CLIU/3=4R2BDK*;MN*F/ZYI$G_`%_?
M1]-`6;@X"776&]#)UN'1#-E9%6:%)7`@D9,I##WW]1Q*%]2*TTJLO3P0>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`:17'T:HESMYVWR[E;X
M#UBL<^WEA,%L'_$S;0BPA#-/L$EB2-?<?+9^/0='#'%*^W\:R25/)=<CPU,#
M6YD;J'H%503MI)631[3=[):G'G)5F-#ASQAJ0[,Q68Z51-).F)O#I!W#QSLM
MYMYF.N1)>5'CQ66XS#`;F96O^C@<=-'RS>F6`^@`BAB*U%37*T)CCJCF9.NS
MJD#G\CQWUF)Z6*XVW-G+ZWV2IU:T-,<^U"90;B08]Z7TK&]!EWP2<G&I+M"!
M4V!PNQ.X2"/BL[S;,B$\._#.L5N&//5[+!;TB)P/U[DWBUIE?#\;#=#DVJ$>
M#_K^QP`/ST2'4J`+S[-H&?,#H]?K+<(Y)C9YJV=SKF6C<&?#VSFH>M394IU'
M$I<?91SZ?8MQ*I0;F803^OJJ-7$U<+1I=LN\D@.(A1\>Q#A4_P#CQ$NI;+38
M$=[I#I"(MX"&VF;&A_AQQ\9$.#&;4PMQ4M^31NT,F[Z.H:"1ZZ'U^R!AH`S;
MC%0?A`($4]&3H-H&VZ[A;A919$6;MH8Z0A.Q/N8>%$6A<E;'Y:W.)?X&XE]/
M].Z_1L9%9/7[Y9V2%9M&>WFH7J1"#22@*W9K4Z54P<QP0N+_`!145.@TM*)T
M-U//FCSI#;;K*OB=:#=K4B>D>CT78)Y>=HFFRB7;>'&MWIL31JZ.4:L@*FW:
MB!"8:61D'9];K*0%XD<FA..RH\YUKZ]=;;DSFY8*5.A'(OHI-EV\W>B6@B0Y
ML3KFE:7D\`/0:Z0!USM^N06P2VKW&E,CGM$0Z.K4-MB.\J,H2^I3D>2XXS$=
MCAN.PW^O2HCJU4J@!TRXBJ\!O5>O9^#^$+YRWE:P+Q\<$?)I$?PD14P.C(6F
MH'Y#,N#!A%YC#43G40788;CG7Z!`?A6AC22;2YE2*Y@4ZY3:O*8=RLS^!&EB
M!460A;0.\MC`L%IFQ-?<XTZVZ[^+WYN(;#<7%5?6.'G50NE?S.^&J/8+5EH+
M-A]T@`ZW+)UJ77C^IV*#>(@^3`_C"MEZ0U22I?9B'FG%Q&5+2I77/O$KXD0J
MGIN,K)G.YZ;Y-Z'IS-">L%8&UL:.'70]E!2[%L\L$F?+F%SHTA&G7E^2:7V5
M)?.S8K,AYUM:Y?)0NXRK/J2*:E86RNXN2`F$VTQ>J_V14@#EU?LI@[83,SD*
M]J^LVN`2S%@[`*PXD;BB<!KC*WD)<<^X-W7S,1?/2.D:!8K1<"]ZT'MCNEBM
M9"S?,9_D*L3JELJ@BD2Z$JAD./U%H(Q7*H#3QY,7\QV6(:D..*6X]Q8;FCI6
M?T1S:SJO:Y!\W`7>R9<A)>'#*XS)$MEW_8.2]`%OK%N*1";>]B"BN(7Q25=C
M-_=SORR/D4&YD+._K_[<3+9JZ[I<33L@Q=[06@0*^*!!O[5>0E\KI,G7PT:<
M^,$QW0]ZXR^F6T3FO<%0^(ELI_+3*#=X%D[KZ39UN]NLEZ-G#H"V6.A(S)P\
M"C"$E8-(DUG3JT>KT,A*AO2D#["C2E2WT<5SJ)@N*M'4\^5+@*36G8H57ZVQ
MI<K:QIN[#QE$.BJS,<C5*KH39BV@C(^Q?R5IFG;D1N)F")ED-;D2)(IV<3CD
MU(6VZIJ/(EL2A=WYETA/2D$(7<K`[<DS=$O5JR^ZF+3_`$>N0Q,,]E^LDM7@
MQP-8CJXH57#$Z>F+*A<G.+6I"I:GERW775";C=[P9'@#P!X!ICG/IM7J%[=Z
MO[>?VIE^T:32G:`U5*UG]'H`EL),-UVPRRV@&:N-CV'8;M$G5EB.++G'W'Q0
MUV1&93])#JU#3E6.TW.\&1X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
*@#P!X`\`>`?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>29
<FILENAME>g655598gr8.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr8.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`.(``0`!`P4!`0``````
M```````'!@@)`@,$!0H!"P$!``$%`0$!`0````````````$"`P0%!P8("0H0
M```&`@(!`P($`P0%!P@!%0$"`P0%!@`'$0@2(1,),11!42(5,B,687$7"H&1
M0B08H5(S)7<9.;'!<C35)K:76?!B0R?1@D2U-QKQHK+4-45U=E>W21$``@$#
M`@0"!@8(`P4&!`,)``$"$0,$(04Q01(&41-A<8$B,@?PD:&QP131X4)28B,S
M"'*"%?%#4W,THK)C)!8)DL*S-W2T)=+BTT1D-687)__:``P#`0`"$0,1`#\`
M]_&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`*!VCM/7&DM?VG:VW;O6M;ZUI$:,Q;[S<)9K!UFMQ15T6P
MR$Q+/E$FC%H#APF3S.8`\C@'XX!C^_[Z[XC_`/Z1KJ!_\[Z3_P"U,`?]];\1
M_P#](UU`_P#G?2?_`&I@`?FL^)`/0?D:Z@?_`#PI'_M3`/H?-9\2`CP'R-=0
M!'\O\<*1_P"U,`W3?-+\2Q2>X;Y%NH8$]/UCNZD^/K]/7]TX]<AN@-H?FL^)
M`!X'Y&>H(?C_`/EOI/T'U`?_`.*?0<)I\`?!^:WXCP__`.C74#_1N^DC_P"2
M4R0/^^M^(_\`^D:Z@?\`SPI(?^64P*GS_OKOB/\`_I&NH/\`\[Z5_P"T\`?]
M]=\1_P#](UU!_P#G=2O_`&G@#_OKOB/_`/I&NH/_`,[J5_[3P!_WUWQ'_P#T
MC74'_P"=U*_]IX!5],^6_P",38DF:%HO?+JW;)8J7O&CH+<%0D794?("^Z9!
MO(G.!/(>.>.,P<[<]OVRVKVXWK=FTW1.<E%-^TS]OVO<=UN.UMMB[?N)5:A%
MR:^HJ9Y\GGQX,+"C4GO=#KDULS@GN(P2VTJN245)Y`0#D:"_]T2B8>.>/KF#
M_P"I>W_R?^H?G,?\C6GF=<>FOA6M#T.U?+[OC?-VCL.S[5GY.\S559MV9SN-
M>B"52OD^]'3A8H'2[,Z74(8.0,2^P)@$`]!$!!W^`YIW\QNPXNDMWV]/_G0_
M2>Z?]N'SZ3:?:'<%5_\`T5[_`/9*=LWR+=$*8P7E+9VWT'7HYL05'#V6V17&
M3=$@!R)CJK/2E*``&9>#WOVAN5]8VW[EAWLB7",+L9-^I)FNW?Y#_.?8=NGN
M^]=K[WB[7;^*[<Q+L(1IXR<:(A\?F7^*$O/E\AO4DO'U`=UTH!#\/H,GSGIO
M,AXHY4[5Q.CBZFXE\R7Q3+G331^0KJ4HHL<J21";JI8F44.8"E(4/W3U,8P\
M`'XCB5VW"#N2:4$JM\BJSCW\B]''L0E._)I**56V]$DO23A#]_.D]@:)OX3M
M-HZ59*E`Z;ICL*ON$%"&`!*8BB;P2F*8!#@<\CD_,+L;#N.SE;M@6[J=&I7H
M)I^IL[!#^W;YZW<>UEV^TM_EC7HJ4)+#O=,XO@XOIU3\2D;C\G7QY:]2(M>>
MY_7*J)*'\$U)W:=6CB'/Z?I*9R_(`F_4'I_;FTVSNCMW>G3:<W&R'_X<XR^Y
MGF>[/E3\RNQ,6.=WGL>Y[9ASX3R<>Y:B_4YI)D>?]\G\4H?7Y"NI7_SJI?\`
M[4S=>9#Q1SY--57`WVGS%?%:_<ILV7R"=3G3I8X)I-T-T4Q150X\<%(0LF)C
M&'R#_7DN<4JMJA7T2:JDZ$RQ?R!=(IIJ5]$=JM&2+,X%$KEGL2O+HF`_\(E.
M1X)1`WX99EEXT?BN17M15Y5S]UG8CWKZ:@(@/9S2H"7ZA_7T!Z?W_P"^93^>
MP_\`B0^M%7Y;(>JA*GJ-7_'3TW\1-_Q-:7\0#D1_KV!X`!^G_P"%X_/8?_%A
M]:*_R>5_PY_4S0;O;TT(/B?L[I4I@`!X&_P`#P(<@/\`ZY^(#C\]A_\`$A]:
M)_(YG_"G]3-L>^72\/KV@TD']^P(#U_N_P!\]0Q^=Q/^)#ZT4RQ,J/Q6Y+V&
MK_CPZ8\<_P#$_I/C_M`@/_WSG'Y[#_XL/K1/Y/+_`.'/ZF![X=,0XY[/:4#D
M.0YO\!ZA^?\`ZYC\]A_\6'UH?D\O_AS^IGW_`([NF?`#_P`3NE>!]0_]_H#U
M#\__`%O(_/8:U=V'UH?DLO\`X<_J9V$3W8ZBSTK%P<+V/T]*3,U(L8B(C&5Y
M@W#V2E))RDRCV#-NF[%1=T\=KD33(4!$QS``>HY$=PP9248W;;DW1:H2P\N*
M<I6YJ*7@RZ',PQA@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@&'G_,`?^#3\@_\`V#O?_B:MX(EP
M]J^\_&J*<J9@$!`I@]0'@/3_`%A^628EO22;X&Z#HGD`G`IAYY$W`!SQZAZA
MQ].,@RNN/B=B+XBR8B8J7F''@/AZCQ^8\^OI@CS(>)H;*I>8&`>51'DX$#Z?
M\G```!^>"5*+=$]2KVKA)1OZB!BEX\BGX$@#QZ@("`9:O1<H42JZE1I<(M'2
M/@]$X"0"?9*H>!N$?;#@#D``#T$?0>>?SRS:3MRZIZ*@*4>QIQ2X1**OB?D#
M^(%Y+P(`!P'_`&OS_MS(\RWXHMW*T5/$VD4#I>)5$_$!)Y<B`!SR'H(?V"(9
M5&<9?"ZF-*,EJT=.N`>Z;T#Z_EDLF+T-G@/R#_5@FK'`?D'^K`JQP'Y!_JP*
MLR<?&&;VMT2!R@4>80Y!#@!\>54A`P@(#R41#C\<YI\T+<+FRVTW[RN-^RAU
MGY17)PWBZH\'%?74R02*)'W<!NY42*()QI$BG,4?,#`J'D0Q?,2"'!/0>``/
MRSC6Z2_*_+WR>$NN3I[$??']L%NWE?/%9<H]3MV]'Z:</K,LT8*:35$IA`@B
M4.2CP'`G`!-QQ^1A'/FB<G.3E+B?J?DN=RZY.+C/FO!U9;1VVC6\CJVQ$.!#
MD/'JCY"'E[?\M4%!+QZ@8Q?I^6>V[!R7C=Q8KM_%YFOH7I.=_.#;(;G\I-XQ
M[W*Q)KUTY'EV<H"#U<#$*!2K+%'@/$"\&.``4AA,/`>GXY]_QDIVX3BZIP3^
MP_G'RX2MYM^W)4<;TU]4F;S)0K9=LJ8H?R5TU_'Q`?1)4#@/'(<^I?SR[.UU
MXLU=TM.$DGXO70M6,AX69;R(?UHRC)+FTI:OV'IZZ>W-I8=6UXQ'28<1S<#D
M,<H>)2(E\2E\SF/R`EXY$?00$,_/KYD;3<V_N&]'(@X1E<3C5<:I/TG]$WR0
M[GL=\?*;:MQQ[L;UVU8A;?3K1Q;BT_!JACG^2FV-'<C$P+5P10YG)'2B*2I#
MB!4^3!YE*/Z>1('Y<YW3Y$[?-)W)1:AT\3XS_P#<4[CQ8X>W=N6I1G>Z%U13
MJT^.IB>X$Y`$2<&'U$H@`"'//H/]H9]'W4HW&HZJI^2/'E3T%8:\X+=*_P`>
M)#??I`!N`_3P?R$PC]`]/KS^&57?Z2]2,N$X*"3>M#TV:',`4.+*"GD;[9`W
MH7Q#CVO'D@>O)!*;TSS>7P]IE)UBFN!,QN?`#%]0!,?=_P#K0`_B3^[TS`D^
MA>]H;&#4DE'C0W#+*>``3Q,(@```@`@/I_?ZX-A!]2HN*."J4IQ`5#"`_J]?
M(`$>1YX'\P+^']F29'4C@F('H/(%XY'Z_7Z?3Z\?W?3!C7TY4Z=3FI`!BF\B
M`;W!Y`1*(G#C_P"O#@?K_HR"LY''`%*)0'CT#G_]/&`:>/0>!`/+GCD>0`?I
M_H`!RF?P/U,KC"3]Y+0F#KL4INPNA>2!R7=6JP\A]>1"]00\AZ\>//TS'Q%7
M*M+_`,2/WHB__0G_`()?<SWSYTH\*,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`P\?Y@'_P:?D&
M_P"PAY_\3UO!#X>T_&?,83#R/UP8G`^^)O'RX]/SY#\^/[_K@5Y&LAC^A0#D
M/[OP_OR2'3VE6Q[5V$<Z=()I*(?RRK#XE,J0>>"@`&X-QY#Z\`/.&5V?C]A\
M04.@B=(X!R<W)@.7U`?7D!#\.,@RCZW/_.$!,/!@$I"B(\`/D`@4H?0H<98R
M/@7K!W:A2IM_;4)R<0$3<#QQS]`]/QX',,@Z]T8KU)-9(GB"900*0`\1_E`(
M>0\\<B.9.,_>?J+=V,I)=*J4B[0]M17R_C``'CZ>/D(^OY#F66'&4:55*G`R
M"1@#`,D_QKF.&WW9D_3_`*M-R;DQ?4!#@.0#CZE^@_AZYS_YAVHW-IJ_$Z=\
MK;TK&\.3TA3[3(6^E?VWMLB"AQ`'#8I"E\@.D8HJ'(!3`(_I\1#ZCP`>GKG(
M]_Q%/LEN*K[[_P"ZC[C_`+6MU6)\Z(K(DH6;BT;YMM^&IETBW/NLVZIC<B<I
M1*`@/IP4H"7^P`.`Y\LYG1;O="\/TGZ_95F<[\IP58MEOO:.4(RUG.**<>!&
M"YA]!_5_+4'@!`!_+CC^W/4=A0G=[DL^6F_>1S3YO7WA?*_=[E[W;4,>3;\*
MI_3F>8%VK[CMVH`"(&<+&`HCZ\G6.82\^G\)3!GZ"6(RACVXR5'Y<?N/YO\`
M+N>=GY-U:QED7&O4Y.AH;)F.H(&$!#Q\0-QQP`^O]OJ`YDNY*5OR7\","Y&4
MIJ:6L9)?Y7JW]9<7JOLC?M3,5HB$=&6C5#\HI"IXBA[@%\_#R$/$@\<_4?7\
M,\)W%\OMD[BO1R<MQ\U>CPT\#Z1^5/\`<_WW\IMFN;)M$U+#NW76,M>B/BN6
MO$B_8&PK%LNQ+SM@<G4<>I$RB;R(D'`B8"!ZE+R!@]?7/0;3V_A;#B1QL%)1
M4:=2]9RKYB_,;N#YG;U+>NX+\JQDW!-MZ?:444/,?$H@(E#@0#T\N/3R#GZ`
M&;6%MQ@M:I<_$YQ)J*<V_<\2L-=MS*WBOD$/'F0('EP!N!$1``X#D?41`,N7
M)PE;23UHBN,93BI158M:'IQT8R,E08D2AQRW2(/F/(\E+SX^H\\D`>!_///9
M?!^LV4%2"7H1,B:''EYCR!OP#TY]>?7^S-=D)S2Z=70V&.G%IR-($`ARBK^D
MO(\#S_\`<Y_#)7`V-A.+;?!G"4*0_P#$(``"/'("/_DP5FD$2%Y]`'G^P?P_
MOP#G%-X%(`#P'U.']@AR&"(M258ZG'6,'M\@/X@'/KZ`/U_Y,!\'ZC9!0GX&
MYY$"@'KZFX#@H<_3G(G\#]1E8\X.VTGKJ3#UU,<W8C0P`4H)ANK5@>HCSR%\
M@N/_`-7C,7%7_FK7_,C]Z+63:FL:XVJ+HE]Q[ZLZ6>#&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`8>/\P#_P"#1\@W_80\_P#B>MX(?#VGXTA$C"8`$OIZ\^H?D/Y#DF&WX')!
M`>/U#XI_B'UX_P!7ZOXO[<%-?K-L5/`0(D`#_P`PW`>H?CR!N>/].">.K.8V
M>NDC$$BIP`H@50I."AXB(<\E#@!^F&7+7]3V%1O$0.DDJ0P@HH)E%.>3>@^I
M>1-R'/`Y!E'UJ0AO9`Q?,X&*)>!\>>"CZB(<!],LWHRG%*/&H.>JJ58XIG'P
M,//'/XASQP`AQQ_Y<Q_)N^'VD&A%9J413]2\&`O)^/`QQ'Q]..>.1_/+UF$H
MMN2Y$G!?Q7WRI3(\)BH/M\>0?JX_A]3"(!ZY>E.,/B+5V+E2G%%'KH&25%'P
M$JA1,!@'^P>/J(^/X?GDQE&?PEAIQ^(XV22`^H?WX(9DB^-HOEMMVF(@`_MY
MC@'B)A$0,'`>1#`8I3`;U'\/KG@OF#*,=HH^-3I_RK@[F^N,OZ73]I<EOBUF
MJ79Z)DE#J(M15*W7X)[?BDHY\R^`^/ZTS'^HC^6>2PL".Y]H7+274U)Z?Y4=
MD[*[JRNS_FYB9]ITAYD4]=.GJ>IFMUU:4;/5HI^W<)F`[9(Z@IF(H(E$I1Y\
MB@)1$>?J'TSX_P!\P'B;A<A=CTTE3Q^X_?+M[/L;KL&/N^/-7+-VW!R:Y2DE
MI3C^!9/WVV2VA*&^@D'G#QZF*1$R'*<3"544S@(D-RF)2&]?KR'KQG4_D[L$
MLO=GEN#=J',^4/[T^_UV;\L+^WPG%7LQ.'36K?U5^TP)B<.0\N0.;Z\\"(F_
M$>2\AP(_GGV*J]*3Y)?4?A,KDKR\V2I*6M#EMC`03F$?3@!^G\'`#^`!R//'
M]N22#<BH8Q3?RPX#QXXX#P)X_4/(?41R#$N6IRFVEH<INV6=JHHI$\E%C>VG
MXAR/D?@`$0(0QC<"`?@.7+CI9JWI&-7ZB_A8\[N1"S-.LYJ,4M:M\M/QT+KX
MSJO:7E3/8Q!4H@@5;@A2AX@8I#AXB?\`C\@Y^H>G]F<LO_,7!L;PMOC#KM1G
MT]7"OIHSZLVC^U3N#=NTI=SW.NW<Z.J,-'K2M.-.!"U#8N8C942P?$`KA"15
M2.43"`@<OF4H%`@\\B(<AR`\9T:%Z&186;;5+$]5Z*\CY<W+%GL^;=V[*K&_
M9GT/3FG0]+VFG!AI,9P!1#VB"'')1#E,!$!`Y2^7`E'UX_#-5E>\VHZNOXBC
M6CXDL'7+XE\3\"/J(\<_A]..!^HY@>CF9]MJ:2CJZ&TJ8ZG'/KQR/X!QSQD&
MQ7`T%%,0Y#CCZ>O/X?\`I8*^F1M'.0!X*/(A]>>?'@?[?J/^C!0^!M&<^7GX
MCP/)0*''/)?Q_#\.<DM6+D8IJ3U9]%0@\@`\F$HE`.!X_5Z?00X^N079:IKT
M'$,4Q.!-^G@P&`?0>!_`?3GGZ9$W[C]1.-[E%+34F?KBH!NP>AOQ,.Z]5CX`
M'J'-[@`XYXX'\\QL7_J;?_,C]Z,W+O6_RMVCU\N7W,]]^=*.=#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`,//^8`_\&GY!_P#L'>__`!-6\$2X>U?>?C6@(`'(?Q?Z?S_U?3),
M$%'DX>7J`CP/I^?I^']^"4G)T7$Y2Z":'FDG^H1\1$WKZ<@!O3U'GGG!7Y4_
M`TLB?[P4!#])A$#^@\<<>H#^0^F"Y;A*,ZRX4.Z%P;@4^>"`/Y<\\>@?AS],
M@OFM$Q4G"!P]""0/(?4>1$?7T'D?I@':.61Q(1S_``%4-_+#GU$.!$#<>H\<
M93*48*LN`."=LFJ!TC<@;@I_03!R(#R`\@(<>N4>=;\0:VQU`4]HY?TE$H^I
MN/4!'U\O0?K_`&Y;G_.25O5H@TOV@/O?/[8>1$%#@)?01$OCP/`"'/&+?\FO
MF:5+5V,I4Z2C7;51HH":OCYB4#\%'G@!^G(\B'KE^,XS^$M.+CQ.+E0,EGQI
M(J+[>>>V)@_ZM,')0+P'B)1$3B(<E*/''UX'.=_,=J.T*;^&IU#Y4SC'>I)\
ME5^K@5SWC]QMN=4I?=(86RAD3D*("!R.A]LW/^QP).?4<I[!LQO;.X7?Z4G_
M`/*C*^84KV'OD[UJ3A?Z51KE[S::^LJ'3_=2T:X@OV-PD=W[21TTE1`WMBF)
M1*4?^E#VQ`>!'T_#^W/)[]\L<+<<B63T\94Y?3F?6GRA_O:[@[#V&.P;E9>1
M9M6HJ$W5UII^!;YNG=T_N"?&1EEU2,TS>:#9,1*0#\@(B8!,("/IQSQZA]><
M]KVIVOC=KX$K-B"=^3K]9\__`#N^>7</SHWUYFX]5G:U)*-NNE%76GIK]A#G
M(ASQS^H`YYX$1]/[/0,]=.;N4DU1]*7U'#W2KI\/+U&ZD/`&]0Y$2B'J'^R(
MCE)!N%`OD'G]`Y^G(_7G\N./^7`)'U<P2E;M!M%""=$KQ,YB`'(F*'KY!R("
M(@/X<YI.X<FYB[9=O0X*VU]Y[OY38'^J?,+"P[L5.P[T71NG->)Z"8V":$U:
MFW*D(D!D7Q`A"^9B"D0`\TS!P0"?W!GQ3=SIS[BZYS:D[CKQ\3^@C:MEQ+'R
M[MXT(PB_*::HM/=X5X,PIVF.0CNP+<B8F13,_,J8"\<%\0.43>28D,!@]L`X
M#D!$<^PNSKMW*[:Z;FLDUT_@?@S_`'";7C;7\R<ZS85%.;GPHJN53/AJ-P5.
MFQO`CX"F40*(B)P$2`(`)C>1Q]#"'J/X^N;%Q?6XNG4GKJ<IM1N7Y4BGU?4O
MK)1;N?<6\0]4_;'@"B!A$P\^'``(F^H9K>N+FXKBFS8XV/<BG-TZ4]=4=FJX
M!),3&*<!`.1\B&#QX`1$1].`]`R85FZ13]NAF=46JIU?AS^KB4XXFHX@>LHP
M`_B4WF+MN4#>0C^K@5``"\\!SP'URS^:L<.I5,ZU8O7E6W"?U-&L7B(\F!0G
M^R/D0X*)^I@YX$@F+^H@\AQZ"`\YD6HJ\JPE%_YDC7^;;X52?I.6D)A*43#R
M(@!OP#T'Z?3@,FW%W>&GKT^\LNS=MWO*G%J:X_[3DB)/<#VQ#@"B///(>0?3
MU'*;B\ITFU5^FIE)I_"T_4SZ;R.0O(`?G@HCY`'!O[@^H!SE$Z]#]3*J-:O@
MB7^NB2A.PVA!`."_XU:J\O4!'C^NX+GZYCXO_56O^9'_`+R)O1<L:Y)<%"7W
M'OSSI1X08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8!AY_S`/_@T_(/_`-@[W_XGK>")</:OO/QI
MP4*8>`YY'^S),&C.Y1(B4A#>!3'^G'U-R(B'/'//H`\X+EK^HCFF;I%6;E`?
M<%01`_Y`(_P@(^GTR#+-Q)F)/,Q!$QA\SJ%`/0AB_0`'\?3*924%67`&PW+[
MQA``Y$0,`<^GZOK_`*/IEOS[?I!RO:'V6YP+R8!-Y"'J/B/J3^_@`QY]OT@[
M`IU3@G[AQ,0I2@!1'T`O`<``?3*)M7ETPXH`AA6]SVT2@<#%`#B(E$2@?]0>
MO(>I?[,LSMRAK(@VU"G,H045/,I#"D\`/H!P`3$#D0]0X'@./J/IE5F<8-]7
M,DW$U%4"B?Q$QO$Q#%XYY(?T,`_W\9-Z<9TZ>0.BF6!#'!XV,*Z!@(13GD!;
MF`!X*<H_J*3Z\#ES&X,Q[U:JA2P?4/[\R"E0<EH9/OB^()]OO2B;@@QJP&#G
MU./DGP`@'ZO'\.?PYSF?S.A>N;.K=KC6O&AUGY2V4]YNN7'H7WE8=\R>&Z7@
MAY`;V/<#R$W)2B<PB7DW^UE_Y<0N+95UTJIM<?X497S7M_\`Z_Y4>,X*A;A2
M=8V6\-EUHUFJLW;^X8RI1'C](#ZE`H<CZE'U'TS/WKN;"V>2Q\B5)2E7A7CH
M3V1\H.Z>_+,\G;;5QX=N-6X^/TX^!1,U#O(*7=14DG[:[(WM&Y^A@`>`.'H'
M`#S]/[,WN+F1SK$<F-.EK0\9OFQ9_;6XW=IW.,HY-F5&I+6G+V'#$>>?$0'\
M.0]0]/R_T9?-1&2DJK@:RE3Y,(@'D/B!?0?+GT`1\O+@,DJ-[CQ].`'C\.1X
M]?[?K@$E:G>I,;S!KJ#X%!T4!_7X>O!?4/+U,'H/TYYSSW<L)7]ER%;U<8Z_
M5]IT#Y4Y,=O[_P`#+F^F'FQ^NJ/0'&3[8VM2/0<)`4C`OER?CR,<A1(00#D>
M`(7U_+C/BF>WYD]_4HP?2[C^\_?O9-P_-]@QNPEHK3E5Z*G3R,*UQD"2._DE
MTC>0$>'(/@(``F$%3#QY!P/EY!GV3V3"5C8X6;JI.D7]&?A7_<?E6]W^8^1"
MRU116JXZ,S2:]O3./B:O4HQG(62X3+4B[&L0+11_,F:$X*H^71127]IOR(`4
MROME-Z\&]!'*MYWFQAW.A6EUM\:\=?Q/`;1VYF;GTV+,YI)):(O<U+TYW7MZ
M3=.K>]0I$.<J2,/%MEEWTDD(*@HJY67)]NW7.Y1]3`D?Q3\@(`#P(CS?-[JO
M3NNUB1]ZKKX)U\3LVR_*ZW8VR65N,E&VEK5^\]/W>.I>+7.@=(A'!HR4+;[@
MZ8MD%7H3-D78Q[]LY,Y0469M&29E%')O'T(J82E4\`#R(8>-9<SNY,B?E7+J
M@WPH_J/88O:G:^`E+R>N[1?S&M>'@7A5#H?JMQ6HQ5&D0R;48Y)NLB**7,@D
M0"'3.<RA7)1<I"GP!P*(";D!``YR]_.?&3K[3`NXUF+_`/+V8^U4*`V3\;U0
M?LR.*K'J1;GDQ2K0CE9BX;"94#`($;J%8O$T_N/)0#I`;@HD`P`4O.3<M9$-
M<:[*OU%.9M>W9J]_%L17HC]WI+*K3TAV74W"J3:ZLI-O[ABL$7[4J;PJ:*13
M&1?*MF[8JJQ52F+[A$3`(<#P'.7;?<FY8VN5%7*>D\CN/8.UW4GL\KUF\W^V
M^M>WT%O$QKS9D`*PS-3.=@A[WA)0CA.52<IHN/M_N1:(IDD"E4_BY!,0*']P
MYZ/#[NVS,_J6U"3X=6C3]3YGE]Y[)WS:&I==O*MN7&W'I]M"FUDW4:<R#QJ\
M8.@`JAFSUJNS7]DP%$IA3<IIF!,Y3<@;C@0$.!]0S>1O6KUISLR4JK@N/U'E
M;D9PZH7(N#KT^\J:\-/$F'KD_2#L'H,/3S/NW528%,8#&#RO<"`&#G@H?7^_
M*<2W)Y5NNB5R/'UHF\O+P[B;6L)<->1[],Z.<_&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`8>/
M\P#_`.#1\@W_`&$//_B>MX(9^-"0>#@(_P#U<AQ@Q>ERT7$[EJFJH<>!$!'C
M@_'EQZ#SZ?W9)7"W*,DW2AW220H^)CG(H/("`E'DP#^'H/T'G*)24%U/@9!W
M"294D3G+R!U?4W'T'D!YYRS*2O+HCQ!UK=+A<WBGZ"`\<!Z`//J;^ST'+?D3
M]!,8N3HN)V)F_L$`>3"!RB*?_-`P?0O]A<HE;E!59<\B?H-U!,@`8ZWD8!3\
MOTAR!3"'U^H<!R.7,?XGZBF5N4%5T.(FKY*HI<>TFH?@YT@_6`<?Q"`\?3\<
MKR/A7K*#OTU$VGD<S9-9%<%&:H"`'Y\3`)7!!``\5RFX$#?ESF(0=*?R3%1+
MU`0$!`1]##R/E^H/P]/I@'/*Q9R/`.4UP0,@!7:S42E52`./)8Z1@%-9/RXY
M^A@_`<R<=I57,NVXQEI+C4T/]7/D")NV+Q%W'J%*H+DI>/:`_J!3IB8QR^(?
MV>O(9;CN./*;MKJZEZ/UFW_T+,E"-RWT=,E7C^HR#?&3".(O<\@54Y5!)&*&
M(8""!E"\E`I2_J*4!$WU$>/3.<_-6])=OQE:?ORG15]53I'REP;\MZOQ736,
M%77TG;]]RB&[%0.10"G:D4\3CY&,8YS&-P`_I\.1X]!'\<R?EE=<MIA.7])Q
M;]M"W\U$Y=RJVOCZ*+PJE7\2YCI(VBAU]*BO[`K&:B;P733'Q4-[A>$C#R)?
M(!$!'G\`Y#.1_,^65/=HW(N2@FDDN.C9^F7]DV#L5[L&Y^:Z?.G"3;<DE6BX
MF/OL&1N39LV5KX>!3@)P3$IOU&54)_L?H$?U!]/3@,[/V-*4^W;3DVY=3_`_
M/C^Y.%G_`/VQN4,5Q\E:*CJO=<JZ_<1E%UB:FDCN(UFHLBB4X'-_"G_*()A(
M7D`#RX#\.>1STV3EXV)+IO3BI?I.4['V=O\`O>"\S;K#G856WK]7!ZOD=+X"
MDY6;KC[2J1O`Y#^ATSE$`$HAQR!O(,NVKL+T%<MNL&:*_9NX]Z5B\G&[!M-/
MBFN*.1X")Q*!@.(<<F#U#U#D.1`/3T'+A:.6R66C7C9^CZ*-G":X>'`\F(8!
MY,`\`(``?WY;R;-N_BRL4UDM3(PLN_@9UG,L.DK<U+ZF7SQ/;--+7RM<.1P2
M2`Q$4!!,RZ:Y!1]H"&%+R\3"H81$#%`./Q#./9/RXN0W>.<YTL2EU)+6A]W;
M%_=3;L]@/MV<+KSX1<5+JHFJ4UUT?H*#ZIZ?O79/?(,HE9NR:L1>SMIL\JU?
M_LE7AXX/N73Q^9J4"*"1LD8J2/N$,X5$$TQ\Q`<Z/NM[$V+:[=F+EYKMI*B]
M',^/<?#R>\.[/S]]U4[LZ^\VE5OIC6FLEP_$]A'3SJ%5:;$QIX]@Z$RIBJR<
MR_`2SUO<<F4)*3[HJXJ&11$X@V8("FS9$X2`IQ`QAY!G;AD[ID*-W2W%T])]
M-]N[+A]O8RM7+=<UI4TK1TYOEZ>)F)IM);1L>NR;)^P`*)F()"CXD\0`.2J'
M$RH`7Q`0#UX'@,HQ+&-&MA)NTWJWQU-S?ADWTW)J7\,G2/J)89U!@C+.)'[9
M!P=<C,R9S%X%,R155./0`'P!4Q3`'X"&;-V[*O*:KT)4])K\I4C1\?U</45D
M1L1F@!B`5!(AC+!X`"9"J',(\@!1XX,;D3`''.5^5:;T+%N[YND8Q.I%R=N*
MHE7+_-$#>)>#$5,;_P"R%*(#X@`>HY10O_E%QT(ZV?K]K=818[`B8R*3515J
MJ8I$%/O0)P@)1*'M(BD)0$3"`\B`<_I$<QK^/&]I#CXEIWO+DE."I5&'Y^^L
M,':2QOOO57#=Q]K+13Z+6XDP0$QEY*NF3$S>.G&9OYA6*BH@Y\3@V5$1!,WF
MI[4[MYR<NJ5J:K73@^7B8VZ9<,6Y*S+IC:E!M4UY>PI'L`>`G*DJY^T*]:1Z
M2$C+2"#DKZ5@3/1\8R;!`Y2/DX&264,4#)E_69(Y54TU4S`;:6<K,VQN]@-R
MGQ:EHO8<]EA[=NF.[&?%-==8R7%>E^HMHZZ*(E[&:$1]PA_9WCJ1(JJ91`%%
M2WVOE,8IN.#D5Y\BF*(@8H@/UY`.C[/NL=TC8ZM,F,X]2]J.;;SM,]L=]1UQ
MI0ETOV,_0.SJ)RX8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!AX_P`P#_X-'R#?]A#S_P")ZW@A
MGXU#-`Z[A),B8*B8W'@)O$!]/Q-^`8,>#]](J0#?;F,D*8(&3\@'DWD(B4!Y
M\3!_%SQ@R3>;"50P"!2B0W`F-_MB`ASR'IQY!EJ]_38.T4<F**92%+XB40XX
M`0\>.!$0_`>/Q_#,6W-0E5\"#D-!*#DH\_R5"D]`Y-P4`'W.?3Z"/&9'GP\&
M7[&L_8<]11NDF'W'D8A2^+8!\1\^?4#"`CZ<@&6[MR,E15XF1*2MJKX'5^X<
M0-XF,4B@>I`$0#Q$?("B4/3@/RRFU<4'5UX&/=NQFJ*O$TMP`7'AP`B`";\.
M/'\0]>/J&3=N1N)*->);A"5QTCR.T1.H!2I<%,DF<3@4WKZFX_#CCTXRR3.W
M*'Q4."^73$YU.?(2\>9@#U-S_#^GD`#C*X6W.M*:%%-&^2.TB#+I(D<D4*0A
MDE"G,?U_3_%^O_G$]/4OT'+BB['OSU7#0S+6--=,ZJDGH7'1<(HC7F#U1^DQ
M7:L$5UVB_A]J[04\#?[L"J9@75\%0\B#R``'USQE_,\O<9V(QDVFM4M-?:=A
MVK;8_P"F^=D3MQC&%?>;K3ZB\'X[([W=XSCQLGRS58F(4K<3@FV,8Q%B>)SB
M;A,3?ZO$0#T'/'?-"Y<GL-I-TD[K>O\`A/0?+FU;QNXLGRZ2MNVM8ZK5E&?(
M*F9+>;@`$Q5#(&+P;ZI\*B</4/\`:*GZ!QFT^5,I7NW+<8_&IM:^P\A\VY.W
MW#*<?B5'[&J%N-(VM9:,P<1L4[<)M5EQ6`"+B0WT-XE$.!#QY-R(?3G/4;[V
MSMFZY,;MZ.JBD].:K^DR>POG'W9V/M&1M6VW7"Q==84;TK1.O#PY5(_FI9_-
MOWLK(+&7=NS***'_`!#D!$A"B!?+@@CP`^H\9N-LPL?!5K&QE2Q&K?U'/-_W
MK.W[=;FZ9TG+)O\`4ZO[:F4/JW5*VXU@Y<2+=([L6'N>XL0#F*)T3@H7R.'`
MG`H?I`.1SYX[TW+<8;U2,I*'G-45>%:(_6O^T[LS8-P^5E[)G;M3O^5U-22Z
MG.*TIIJO'@8M-PN6\;L6RI,3%^W+('*3CDO`%\@XX$`$!`0]0SO7;5N=S9;$
MZUJGQ];/S%^<%G&V_P"9.ZXN.DK<<BM%2B<DG)+U-E(1TYY@8HJ"4#B7]7/`
M_I'\?7\?'-[Y$_0<U\^'I*T9&_<E$6;4?=<+'!,I1'^(P@7D0X,`C_&&6;_3
MCVW=O-1MKF9>#:N;CE1P\6+E?D]$5HE0IM@[BE'+-46KQR1,_"1U_$QA]04*
MBHFN4HB`ASYE]0$.0'C-3'?<;(LR5F2GT\*4T]9ZZ[\O-\VC)AD[K'R\6ZE*
MK=$Z\M::GJ2Z%]=(JA(4S6<;%HMY>2B838NW%$$?,5IN51^[J%4<J<G,86$2
MLB^72$YRD6.EY\B4W/-.Y]RO7KD8SJSL'RWV:Q%SSI6G"RKLH1]/3_O/\3X_
MB>DRD5YO#1L6U01]H[=NF<R@))^X<>"D'R$OH(&,01'CT$<\K:3C-S?!G4L:
ML\OS9MRM)Z-_$UXOT^TGZ#4)^GW"B7V@$Y2)>'FL'B'B!@*;DH";@/[_`$S,
ML/RY=4N#-CN-)1K8T;\2OVAR>!5'*`D'@5`3#])2\?I^G/(EX#-CQU/-W\BU
M<72GJCZ_,F+?AN*(EY`"E'R#]'')Q3*'CZ\B''.8;O3+6'6M6M"/@='37\`*
M=,$E`,'NCY!R<!`Y0$!,'J`>F5?F[2XJ7T]IZNVK5W2,6<]N^.*JZ29@$_ER
M7@``QP4$2BD<!$""`_7GD<B&9;N)N"E4UN5AKJX&*+>T62`W+*J2;49.!MJ[
M1T#4ZKHA4G[0"&^Z;*)I*@QE45$`*@`#[;@@`7Q]PI`-9A<A;SH3FGY3:4ES
MJ_P/*=R[<KFURG:E3(C*B;X%"[`<4R\0DZC7VB1;;%PL@FU<%;)II6<JBIEY
M*!M;`%&2T?,$.1O]TLW(`'%=-X`CYK@7U"C@Y,+ENPDKRBZ5T5::>)RQ3R<.
M,7D5=N4U%]/*KHWK30Q.]:+;,U3MWH2LR[:01@R=A-1M/9?IB,A$)3&T(MM#
M*^\J@B<[`DN@JR,!N>``GZA$>`\_L=RYMV\VXITG.]!2\-9):&QW^Q#+VB;D
ME*$+4W%KCI%M5/TE<^B#YU&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`8>?\P!R/PT_(/P'/_VA
MWO\`J"S5L1'_`$!@A\/:?CLMAAV+3[=(!6DG*7\Q4`**;8A0\R>(&+Y`<QOJ
M8/7),.,NF2DSJ#AY>`&,)O'D#&`1$3";T$0$?4>1'UR*&1&ZI.B3J<PA/8Y3
M`?Q#@0]/KP/_`)\HN1<X]*XET[I%`!3`RAOY@$,!.?H<H_7Z^HYC_EY>*(-L
MBZJ/`))D(<H>'F)C?0?J'CQXASC\O+Q1<MR4)5?@;H(.%C<K"F?TY(4`$>!Y
M]`*`EX*``.4SM2@JMJA>E+SUT1T?'4VC%42.(*$$H"'I^HH_C]/$!Y#@,M%J
M=IP570U))BN[(*?B0H$,)A,8"!P4/7G\_+`M34&VSMUUD3^V#<@$*1(I1\/4
M5#\_J$#?4W^G!-VXKB5$<,J""R!REX,Y5(<OM^(@83_[/'(!^KZY?L.BD_46
MUK%QYLD:+K)GKN$A&B9B'<MTB.C@0RG)C$]Q9V*8`(`1)(P@/_H\_7+>3EVU
MCW*I]2C5'H<'$N94[,(-)0N+JK7AZ"=Y^IQ/[D9I'RCE6";,&"K4BJQRK,5#
MQ:9G[5RL"?F<B#L#)I>0%$Q2E\AYYSP5C*NN"G&U-W9-MO3QT.H9>)B7+DK-
M^]%8BZ=$W5JFOHXE[_QL+U>'V%:FB\JS53^S%-)9RHFDL*?B4Y#`(>!>4S?I
M$WJ(`81SP?S(AN&3MMJ<O=4)5I1U:?AH>Q^6UG#QLR]"R_-<E14:TYJM2$_D
M,6([WF=9NN@X2-'`)7+=0ITE3F4$@G`Q?4!\C`/IZ?AGL?E5"6/V_%S3]VXT
M_J3Y^LYM\V$Y]QRBFJRMI^K5JC].A8P41*!0Y$QA'@P?4`+Q_$'/KSR`YT6Y
M6<W)<#FD8N,4C@R"XHI*&*(B?Q`2E`?IQ].0_(P_EEVQ;;G!U2BFZU_`I<XJ
M=)/7I:7K9(5-[%V6AP2T$@*Z)%#'$Q0\P3.DH7](%.)>3^)1$/[!SS&[]FX>
M?N#S9)2A5,^A/E__`'$=T?+SM^>Q8/7"RXTB^#=5[U:O@W\/HXT+>I^>7L<H
M^E7/D*CQ<RH"?U/R)O7S$0#G\?PSU6%CVL3&CCV-+4>!P#>-UR-\W3(W?*<G
MD9%V4Y.7&K?TH=,FN=(X>)C!QSZ`(@'J'/YYE&M)6U++E2NT01RH)B_<$./D
M<!#Q'C](>?/J($_#-%W-:61M4K='6G(Z+\JIX\.]\-9%/*<U6O#B92J]%-=A
M[EU>PC8YI)UBHKH7"V-W0>W$B1JZ0*1!\50#D?G`A`4!(?(GD!`.`<CG,^T\
M*.-CY4[CEU*3HF?4O]R&Z;)FYN!L6WVX.U:Q[<YN+HY2ER5.?B>J/H+6OW)*
M1NTTB5*9N$K,3;@`(D44T5W:@1L>0H>I$8Z*(B@D0OZ2)IAQZ"&>=RYROY3N
M3^%29J]A=S;]KLX;BE:A-JD?3PXT,RC1H7V44TQY4000$P<`4?$Y?<$@"'ZC
M>/(``?WYASIU.G"I[3#M06BY%=L4_:^W5(CYK'`H&3Y\?$O@"Q`'C_:`2@/'
M(>N9D;$G%.JX%O):=MW)>XHOGSUY4*V!5T)$O<3$%./$"E("@D2'T$YN1Y*;
M,JT_,?2M&CS*M8<I:QDM?0=%(/A2<"DH!Q4(84P/X"(F$PB)"E'])>`#\@S!
MZ9.M53UFXQ<:">E&B-G4F(',43!XB8P&`@\&!1,PE$OX>I?S_MS%:/46,:%K
MXFJ'#&25.\;D3-PB1'W3J)\A[2A?U$,H4!`PB!OJ`>HY.*O+FE+5=2^]&%F.
MW1T3J6"[N48638#ROS1'D4B<H)A9$$URNXQP5R4QUTW'@IYD8F$BJ)0(IY\>
M(%\O$!S+KM1W.74F[%=/0<^WCS/]/G+J77YBTYK7F6<[(K]E.DVN0)&:;!KX
M_P!%WL4EQ5C;&X;,GJU'ND>DV.#<B5M8-W*"JI!\/<0.0>2^V8=GGVE:QU?P
M5+S$JUY>VARV-RY.[<QLFDH.=4U].)9=17KV<[>]9K<@T1"6F.Q.D$'@/W`,
MTG1#;/@5'XJ-U"![RS==)\)R>/JZ]LX"`@'.'MTK>3N.+*\G^861;UY5ZT6\
MJ61C[=E6J5L2Q[B7H]QGZ.&?0IP,8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!AZ^?_`)_[FGY!
M^/\`_`S[Z?E_4M<Y_P"3!#/QMFS42+^1C^9@(=0WU_24/T^(^7YB."QY,O%'
M8%*"I#F*`%\`$P^GU\1$1XX_$?'(G-0CU$QM.,DVSG>'N'`W(%`4B+>OX`/`
M`7T_'+4+RG+I2+LI=,>IFZ9V8PD(3Z%_041_\N7Z%,+BFZ)';N&J*+)FY,J!
ME7!3F.`>0`0Q3>(%-R/'(<9;G-0CU,N'U)<#)""9R^YX@/D'T\N`#Q#\>>1S
M'N75./2ES+^/\;]1P2`/NBHI^H1\_+GU'R,`_7G\0,.6&5Y'PKU@``!*00`1
M$`]>/0>0_'\?7(,0U$<>"IRB7T*!0*!>``!]>>`_#)+ENV[E:<B0JI7SRC\$
MSE324,W,JW54433`IOJ"@'4,4H$`I1]1_LRN$^A->)>CCNO%$IQ%NK%-8V25
MD4%7<H$>M'5HR9RD0>2#U\!5Y,PE]M;V&+1,@E\A'DPCZ<<AFIS\>_?<86.%
M=?5^L]-M65CXD+D[\DII>ZN;='P]1;1/W:64,=-L_6(+@HG5406.7^,?(Q#>
MO)P.<1-ZYM[6):2CT0Z$ESY^D\_?W++O3DY3?'1UY'4UN]VNIOOW*OSDE'O#
M%.111!RH4#E.'`@(`?D>0#*LO!Q,RVK>3;A.*\41M^];KM-YW\._*%Q^#?`J
M1?9EDL+\CVS22\DJ`>"CATH8RGAP'\!A,82\?E],0PL>Q!6\2,;=M+@ES\2Y
MD[K?S[KR,J4KEY\6V5\S>(.$DE4504\P+]/7Q`>/XOS`,HG!P=&6//CT2E36
M/(N4ZU:?;;7M9AE$S*1S14I3%(`<B4AN3*%'DO\`=QR(\9SSOWN/(V?!5K&J
MKBUKZS[0_M$^1N!\VNYW+>;:EMUNE6TVN%::$N=P.L4#2:W^\0*!B_;@;@?`
MQ5#EX,<?:,`C_+\0$1$?H(9Y?Y>]_9NZ;F\3*ZI66J:M<3O?]XG]M7;/9?:2
M[@[8L1@X6JNBI\*H]>!BJ)_#X_JY((D'R'D1$@B01Y_(W'.=Y45'1<./UZGY
M4)345YFDFD_K1VT5`2DXH<L:V57,3RY$I1``$A0$0\AX#CU`.?S'C,?(R[.,
MF[K2-KMFR[GO%SR]NLSNR7&BK0[:`K=C5NU>J\>F=O8YJ<BX:-+SP<KV1>HL
MVYQ,`\@"9U?/D!]`*.0LK%RMNG>:K!+T"5G==BWF-J4)VLZS-)I^.CKZM3/O
MT[IK";OZE<@$G4A%1$S%03NTN#%']\D(YR@W<O"D,H5P6-4425%,@%,'!0,<
M#>7.<WRI0L69W+$>F-QMT\*G7\&61OVZ1_/3Z\V-&Y.K32UHN9ZDNI4(K#22
M#,$$Q8BE("5<AO$`4241(X#P,'Z!%V<Q2CZ>@9X2Y_4?K9WC!C">/"+6K?49
M)VXF(]=.@4`HM4D/%$@\E4_DBH!E1]2E`!,`?4,PW^)Z"S=4;WE]+U9(D9)-
MV,>1PLU,#@PBI[KE3R*BGX\(F1*7T-[G(A^KUXXS.CEPC%*CT2-?D8^1G9#C
M-J-E2:IKR*EBGA'!A<*%,<X#Y^!``2%`WC^D3&\0-SY`(@'(9FXMMMUKQ-)O
M"C9GY%GXDBG;&N0R9%4B&04,8H@14X)C[BGH`E1$WZN`+Z<"&-QN69*EI=)L
MMAA>5KSK[K'VD9NT#BH"PI&\2G6*GZ<>XJ`?IX`?J'F8!'-1=M>5Q=3T3N4X
M.IU30O@1P^$AT3$^[(=4YO\`;;B8Q3`!1X\A$G(<_3'EM.M2UF24+2NU1:%>
MIY!S8'8S*B2C&9($>>1*=%`[)P=R1G&R[01.E[#N)?*%]\>`,"1^1$`#TR<%
M*YER3_F1YM?K.8=S1N7L:^\:2A?BTY-\'U/@J%OC2R1H2UNJT\N+(T?"NG;5
M5<Q$Y,8)A/D0535*@85EI#6%R:(+-UB&'W(>4:@`B50##ZF<[<;*M68OH7%/
MFN:7K.49-R]."=ETOQFH^MUH0JWTJO`]L-%NE0CD(Y[NWK[=XLR28J14>\FK
MY#)R?VX^X!19O9E`Q$SD#]*AP`WUS4V\:4=ZQ_+5(*];?_;3IZR['/N7-IRH
M7IQ\]6;BZ>?PO4]T6=Y.(C`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`,/WS]?\`@V?(1_V!2G_X
M_K^`?CI,VY?:=**!ZG*F4OY\&(!O0?\`1E,Y=,7(&ABF0%710#U\?$!$>0_F
M%\>>/[.<L>8KO\NE*@^R2@HF]D/H1%(>0#@1#D"\?G]?7*K=EPEU5*)QZHT.
MJ#S5#E,JAP3$IS^!3F\0`?QX#@.1]/40Y_#G+Y3"WT2ZJG<LW1CE,8Z!EB\"
M"150,4I.?Q$/7U#_`)><HN0ZXTX%T[A`>4_<,0A3`7CQ('``'UX_'Z#^.6/R
M[\2NW/RY5XZ'6N5N5!5`!`./#QY_'Z\_Z>,G\N_$KN7?,5*4."LY4`P$_$``
MW/\`8(!P'^C(_+OQ+)VL,V,\<F*/`E(7S4`QN#&('//AS_$8/R_'*HXM4VY)
M4]!DXJZKG1S:^XNZT?JB8V&I+)1_HV:LE`D"@@HL];M@3,<BJ10$$DUEA#P$
M3"`^!^0`>,PLBY"Q;E-NK7+Q-C@6+F9/I^"-6JO7@6\;&2;,+3+QK--<L>P6
M5*P.X4*J*K)`Q4$E``H!P*@IB8?SYS(QU*=J%^#IU<O`Q-PLV[>3Y$FY2@FZ
MK1?44O4-=6/8,L9M7(QR_,JH!"`DW/\`PB;P`1X#Q*4>!XY'(W3>,';,;\QG
M78Q2=*</:97;VP;QW-E+%VW'G)OFE5?87S07QH;CG*Z>809H(J@F53[<_NF5
M\3E#Q#T3$ON_JY$`_MSF-_YS=J8V<\&YUMI_$FFONT.^8O\`;!WID[='/N2M
MJ4E50<6G3U]1;W;.F^[Z>+X9"KN#-F93F543\U1`I>``1`2$,!#!^/`YZ7;_
M`)A]J[C)1M9"C)\I:.OTYGA,[Y(_,/"E-0P).U"NJE6M.?#0AB'/*0KUS&R"
M1FRJ0&1.FH40$AA'VQ*`&`.>!#ZYZN$K69_,LR3MTX^)RC)P\O#S9XV5%PNQ
M33B^3B9B?CR9(KMG;DOAY^Z)?,2%$PB)!YY,(<^/Z?H`AGSW\X,Z5KW5%M=$
M5Q]9^U'_`+;V):CL6=EUBWT]25-5I2E?U%TO<ED1QK"64.8G)&R@)D,!2^0'
M34`2@8P@4O`".<\^6%^Y;WJ,J-]3^H^F?[L\/'S_`).Y=RXHQ4,:25575INI
MYM%Q`CA8A0X`%U0`.?H`*&#C\A^F?9]IMVHN7&A_-Y*3E<DI<8S:^IM%^73F
MOP,JXE`ER(J<ICX`J!1$#>7J!1-SX@8.`'.7_,7(R+"M+&DTY/7T'WS_`&7]
MO;/O5[.CN4(.YY;<7*G*I(^M-<(6ON/&MXAJ50*16KM=`3:E*H!%H:*4:Q2@
ME$IO(S.7EVRW]HDX#@>,V&QW,BUVM.=Z75U32KX(Y)\]MLV_&^;%VQC]"5N#
ME-*E'*B2^RAEP^*35SUS9+&]+&.4U(U])Q[+[M)1(RTG&)KIOY(S4_M*-1^\
M54+[8E'@H<<_I`<P=Y<;>.I+6+DD>5[1MTW"61.222I0]*FBVA(9JT%TT(@=
M<7Y4RJD5!8!!T91-8/H0B1T@(0GX"?DP\B.>#RW*Q>DFJTDSNVT2A>L)P=>B
M-"]EFT3:0#IZ;W$4Y4&S=`H`!A6<+_\`0)``>XH4P%()S"`@/!?KF/&/78_,
M<&Y4IS^L]+CW+?YJ"DJ-)5?H.Y:&<.$$6ZPEY1.5-=$Y3`5+VB%\A<";D3@`
M_I*`\>H>N,>V[\W#@TZ&=N$5;77:CH]:U^TD19PJS9,S)NBBDFF<02%N"0?P
M@)4Q((`42F'Z?7US<+(LXBI)N37HH>)CBW<C)\V:TKP*+9%&3E$G[]+S*=4Q
MRMR'45*`D(<>``%QXY-ZCQP`"/'X9JKRG==:T-SEY-G#Q_)M*K\4UH=A*,T%
M5@232$"D**B:8#Z)^HF.I].3"(CZ_A]/3+E]^;JBSASGCV>NZ^MLB:>D!*U5
M9I&30,J)S$]HH*^)1`X$1X/P'\TH#Y_[7KZ#EFS=5WXETE6YPN6\11C+J=3'
MAL1Z5&T2$6X>I1T<$:]?.VSU=02-$Y#RB9P2!X`DNQ2BP%R)#?J`Z1?'U,&;
M#;[/E7^NTU&$GK7DF<U[BE=Q;=SJ3EYO2O"E&6P2=VK31K`.K(G!H6BO2#NH
M2S@KIR15W&S4>--FY,%UC+*C[RD9'NPY\@Y8I"/)%?(NTGEV(]*C).4NJG^7
M])X.6%>M2G--5MW(S^MUH</5&WS7'?/4^A_<HBK"[,H50`55TQ,HG%[.K%DB
MBJJ^RLF<YR1ZPI&$0.)?$/TB(YK=MNY-_<[,)255DP?#BE-:$[O@8=JQ?S()
MUGBS;IX]#/=UGT&<'&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`8@OGUY#X;_D&\?K_`(!2W'(<
M_P#\^@,`_'A<K$.<Z:1/,O(>/`\<'_VOP_5EN[_38-:+3W#`F/H<Z1S?^4`Y
M^F8<)=$NHJA'KDHFZY8H+$%;Z"@GP/(`/F)">(AZ_3U#^W,J%[KETT+D[/1'
MJK4X*JJC5LNW0-[9'!2IK^/I[I!#R`#?^B.7BR:2/FJ3'V$DB?<J`)#G]?)$
M"^A3(B(&\1$/J'T'`-A5<&S9`ZJXF%81$P>YSP)?I_+`O)?0?SP#8*X\T05]
MOQ*H)RE`QN#\%-P!P+X_P'`.0'!1.?0JG$*H"@F*0/(X?[//'/X<<_AAZ*HM
MR\Q2?#I5?63SIZ@S-JEE48N-7E7IF"A(MBB@NI]S)+J$(@104@X(4GJ("8>/
M01]``1S79&;;MP;N/HBOM-GMF-?R+JNVXO3EXU])GOA-$I=8.H5_NQV8H6UU
M13'=F<"N0QK=-)_8@=`ROJJ#`CX_M@3Q(`IC]?3CP>1O$<S<K.-8=8.3KKQX
M>@ZCC]N96/LEW*MQK<A"4WRI3E[3S3VF;/(R;H`+X@BH+?GW#''E']`E,8>1
M.?@H>1O]H1YSID+'Y2U;N2:<>%/737V'(K]Y7+L;EQTG-.JXT,S_`,<T/7(N
MH_O<I%HBJY='.5TX3**@G(($#]9@-^D@^I0].><^7_G/D9F1ESP<.Z_*AJVO
MKI2I^A7]LFT8>#V['=,FS%RNRYK5432=?3QX&<6A6Z#79'0*NFW2,4B9"*M_
M(HI\@)>3^/Z2`(\A]/'/F_*VG<%3*M0N4I[S4N+^H^O;&];1<L/&ZX>;&6E5
M6B\%JCH]OL:ZA5Y%[)(Q222C53]9A2,)_P`?!,%!#R`?[0'D>?3*MIM[G>S(
M7K?F=4+BCK+PU\/259O^D_EWE7W;CT+5))*2?BO'CJ>3SLHWBVVS))2((F5%
M5XMR*1132-[BW`@1,R:?B4`+_=R.??78U^[<VFW:NJESIXUKR1^3?SYM8&-W
MQD3VZ"5B<FM.4FW5_50O>^.RXLD7;N'77(4PJ%]A,RA"\J%$Q2E#D2B4P@(B
M`^H#G-/FUM5V[9=Y:VTER/T"_P#;H[RV_!_.;!D32R9KH6NM--:?A7VES_>V
MZ,8C7CMH9RD5R\0,4K<%O(>"$4!43"3Z^I@\1`0^@_GGA/E;A7<C=8W5%JVI
M4K3P9]3_`-[7>.V;#\J;^V=2EE3@XI54:U7&FIYZU3^:BAP'R`YSG*;Z<@)A
MX'\1SZ]DDJ)<DON/YYY7)PG+KBE)R;T=>+KX$B4;8LK207!HY4234,!@\#B3
MQX^O\(`)N1$?KFFW'8[.Z-3NJ+2YM_@='[!^8V^]C799.V7O+A=K"E:4JN-:
M/GZ"Z[I]V)8ZF[$M-J[&C9.1I4E"+5V:,T:&=J.$7\A'/R`F4.%3"96.(/)>
M!#GGU*`@.%G[;*UM$MKP^ES<^I4?[*]!BY'<.X=P=Q7][W>XYW;BZ93U<:\M
M6EQ5#T>],^P76S6;BXQJ9=JA>W5R?S;)^PH$K>&H0,@*\JWCK2A5'TLJ#6Q(
M@BB*B?M/6Y5!.'B0H*!Y'.MVK^/#&\REV,DW5:.GAJ>RV:_?N79V\6"DV]:/
M1:>--?L,OVKN[?6C:E@)08>Z!7KBT1^X:05L0E:Y(&012%VNV;)V**CY!\E'
M%06`1#S-XD*8P?K`2^8SK#I.Y<245)\'7_8=1[9W2>'?_*78RE-NCKHD_;6I
M?A0[['6*7I,6B[^Y0!=\X=ID5(`I%0^V;L7BZ1N#)F4`3"03#XF$!`!^N:-7
M87[EJS8=:23:.CWNN#NN5(SG873K6E5Q*-M/9/7FI+G.PM_LT#5FQ[*X=>_;
M+##0!5&#ATNX!PP/*NVR;M!FB7@WCY"!C```(AZW]N7F9EZTM)Q;='ISX&/F
MYN;:Q+,9/JCY*=5K\*2X>D@M+Y$*#8'HLF5IUO+-%VP*M6S"Z0D@X5,L_7:?
M9G&.DW;I-=JGXJ**@@*90,*:?F/CY95Z]G7-/)E1?P5_VFCAD7[&/#*\V+ZW
MPUT^PNHI&XPL,<G-NH%U%L#R96+/Q.F=)<J105^Y;.6ACIK(%;J%.;Z&(81!
M4"&$"99LV?,L^;-]/L-7:W6]++ACY,81LR>MSS/=7_9ZOL)(?6U!RX3=QC@C
MIJL'L'<('(L`IB/!RE\1,)N1_$1Y#CZ95^7]/V'J[5ZW<L^6GP(QL;\2"*2(
MIE44]\J)CF,4P^0E#S*`<<<$'\>>!S"RK/3).+HJFPL]-Y>=)U<M.CP]OZC'
M-VSM+2D1;:V+J)E;NGKBN/53$(8OV4L(M3HJ"*2AA01.=-QX\"!CI<<!Y>NR
ML3E'6VHRBO&5/P9Y+NO;8JS!W6DU)<%7F>>G?NV+)2)64BG\FHX9NG+]4QA2
M]PK`S!O'JQ:(\`*0MY@IR`8IBE,F<.0*!1,4T3PGTVKL.ER3>G5Q<O8>.NWL
M6YYT6J)P6O\`A7XE#]5>Q<D\[:]04&DBNQ6ENSO7MJB8'!W#AJD.TZO"'9KJ
MF4$[I"4AW1DN53>0"'T\N<VNS;3D+<K-^ZJ+S8MK_,GQ/&;SF]6U7<>TG)^7
M+WEX=+TI^L_6,SMYPP8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!A^^?HXI_#9\@YB_7_`.3+_=
MYV"OD$?]`&P#\=]MRJX\2!Y&(4#F_(>2B(\#QZY3./5%Q!VK@B#0Q3^X#DZR
M903*CZF(;T,8!`1X_LRQ^77B50ET2ZC@'3<N5/1-0@%*83%,'H7@/SY]>>,J
M5IVWU*K?@7+EV=R/3%*OKY<SJ'0+*F,FV345.@`^8)$.<X%#ZF$A`$0)S]1'
MZ9=<[<(==R48^BNOU%N,+EY-XMNY<:6M(Z+VG4F.L7T63-S]2`8!*("'T,("
M`B`A^64PG*;X>YXECKFHN4XT:=*-ZFW[QC#PJ'N"'TY'C@`]...!RZ(7.MTI
M30UBJN'\0B!/3P#\@X_2`?3G].4.5))>+H7';\Q4;HEJ5/7HES*O4&R:)EE'
M)BID3(0ZACF.(`0`(F4QS"8X@'H`^HXR)?EX3G?I&$8-IUXM<O09&%@7\F]Y
M6(G.O%T/2O\`$7U1B&<U:;IN!PWBFL8VBDV,`^1=(KBNI[R[=\!W")"^^@V'
M_H0$#`!@].?3.!?,WO;'VW`A;L4=R<6_BIQT\-3O/979F0YP=])05'KS,YG<
M+6VEMA]>)^F?N;,&4E$*&(NW612617;MT_M3D`JXB(D'D>.!#T]0SDNT=XQQ
M+UG(G=4IUK2OB?1&V=E+<H7<)6Y.S<M.%::*O/TGB'[+=5GNHKO%IQA5'M?E
M'P`B[,!Q(J0RW@18PE*!2%.7U#\^,^G^W>ZL?>\"4[DG&[&W6*XUT?!GRYWY
M\KLGMK>;5FW;KCW)]/5_F6M-?'A]IF0ZN4M!K1X)*-8I+JH,2%,DFD4J9S>)
M#"/Z>`$PCSZB'(\_7/F'O'=W?W2[UR:DYO3CP9^A?R_V&WMW;&)8Q(KR8V(U
MII5TU9<JS0O[ZS1\($`>)CDE"%77!+Q`2\"F7W!\C"(G`P&^OT#-/=W*UBXD
M876J2C6GV&=#`O9&;*.+:=>JC=7H_J-W>L)-1D<@DN*SI,R()%1,"KA'W2)J
M'\S)!R5/R(40#](^OXYC]O[EA7LJ4H)1A%U\:LI[HV7?<;"\R+E.+BO=X<&^
M>IYW^U\&_;6L9%]$C')K.0%+Q040*<WB<0,'D4`$!Y^G]F?5_8.;:NX3\J77
M)>]3UI:>SQ/@3Y\;/F6LRWN5ZQY-JXTWK775/6B+<:'LB;UQ.EEH=RLB?D`$
MB9@#R']?\`B'B4WZO].>OW+:,;><16,CX7KPJ<_^6_S"WGY:;ZM_V"\W?2:I
M5Q3?CI7AZM2IMH[OMFTP0";=N54D2@0J:J@F(F0H^0%*0O!``3CF)LG:VW[%
M*N*E3CPIJ_:>E^:'SS[X^:UNW8[DON5B')-NO@N"X$(@4"^@?3U'_2(\CGIZ
MUU.&3BH2Z56AV<1+/(228RL<N9J]9.456[DA4S*(F!0.5"`J11+S(7D0\BF`
M!_#+,K-N49IUZYKC7A[#-P\B=I.%M0ZM-9+J5:^!>UV!;;)LFOH6W3+NDP>N
MHBV256JL!6`8-)`%(T[L$'\I$L3%757/]N`'65,(_K_`.`#Q.QSP,'N7)VO'
M61<W;HZW<FWY=--(K54]->)]$]\[/W/N_P`I=H[VW&YLV-VSYBL6[-AJ.5)I
MR]^]%:UJFZ/E34SL="-/7#9?4W5%_P!,6=U0+I/V&7(>6>1C9ZZ=Q4'+EC[*
MS"0FDUX22?*O6C@(I5X"A44%Q2,413`!U_<]^W#,C+*4.A/7IT3_`$&N[*Q9
MRP87[$J^=6DE'33FM2Z.Z]'=P,8[=FW.RV['\Q7*GJJ=LNK%&NOM6UZW4^Z0
M5?EI1E.3$]7V[-DM%-C>PJ8Q$UC%]HY/'U$1NV<OM*]85K%L3GFSZ:ZUU?Q4
MTY%_,V_NJ$[F?+,L+;[4>K124TO"6G%/1ZE]'QE:;['2>F:_LB>[(2K:U6B*
M9O:^UL5,JVR*NTC4V`.FR+T).-KMNETQDQ5%3V95N)DR^)3B(>6>7RX8&)ND
MHXUI*$)M5KX/PY?6=.V:>XPV97\R;O9%VS'ITITIQ5*<:^C@1_3:9JSN0[?/
M?W2FV#:B3U)GO"<6AP+<6FP9%,[]>,ECS;1>7@*VS7\D6*#4!318H$1;G.`"
M8=#G><MU>1FPE;QYJBZ5Q7)\N*H;[;=TPWL/5@RA?SX*4)0KJGSX^#Y%H^WM
M77'K];;2%'ZK:$[!0\?(1#*,I@QY(*WSS)PHP1E'C+[A%VN5['E=G<`HLJDF
M9)`Q`\5`\1]=MFUXF;I/<(VXT_>K^@\?W)O>Z[3MEEXV+=R;D95FHSIT_P#8
M=2[BKZ\V1%(0;W6^L+-IF><Q2TJ]CM<;#+9M6-71G"Y7=;G&\NZ_;C/U/;`3
M&21!`QE`\15X,.8N_;)<VZSY=JY"\F^-MU^PO;'N<,_$GF[E8MX^3+@[BK)>
MJ4:K_LE1ZK^0.X)UDTE']9=A6.1C;S)4.PUQE/HHR4/)P4R\AW$N@FUJTHH[
MCW16Z:ZH)HJ%;^YX&$3AZZG(GAX6F7>:_P`-JY+_`.5%>#'>,B,YX5B-R/O.
M$G?LPA-0>NLIIKV)D]N=T]R+PX6)`=/J[28Q=05VLYM/<,LR)X*E;J@92-::
MWAGR8`4`$2@8"B(>@\YKLC*VZY-.Q^:G&O.TH?7UR3]>AOMH6ZYDW<:Q81:^
M%77=^VU"2^NB])9YWDH?:"[Z/E4[%:M0UM(KALZ8UVC5&TS2[I^@Z(X*![59
MK/X)%$P@(^U&F5!/R.)>"YGQ6%=7G>2Y3CJJ2?%:K2FOJ,+N?"RK-NWCV[[Z
MG\:<?A\56IBKU[\:FX.P<4\N-BM=VCY.=9"25+,C',6"<HQ41:H1LK$L&)EX
MMN5XV*8YUR#]VHBD9-3DP^.WL[C^;Q^AV(6KB6CZ>#\:\J>)S2]C0P,E7,RZ
MGB3=/=HVT^-%7B^1E7^-GXOJUHGL[J^\V-G`VN?C+-26$1$7NOEL44B\;V!G
M-+W"M$<J,U&,TBWC@58KF(=1D</+U\@S'Q[>Z/>K%B=QQM*Y"3;5%)=2JHZ\
M^![2Q'MR_P!J9^1:M.Y-8EY1HM4_+E1R\*/UGO5SN!\@C`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`,/GS^CQ\-7R#_`/8)(A_KL==#_P`^`?CLL%4RJ(H'\P+X"03DY`WZ2F$!
M`0_M^N`=]!L2JN7/O?J232,Y1]U7Q.4"GX,`<@)C"(!R`?C_`'95&/4Z<"5&
M<WTPI7T^'/VTX>D]*7Q>_!>_[35`-^]FWTQKS32Z35Y4*<Q`S"X[+*;Q.#E=
M<0.O`PATP$$RH?[RY`P&Y3(`^7CM][IP\&Q=CC7'YT5Q23:?A3TG2^W>PLG,
MN6KV9&:C)J3BUHK;_:D^*?@N9F]KWP^]<PBK2Z+2JSIW4-<*ZCFB41$I/+S=
MW#1NJ4WW,W(D=O5/<6`H`"7ZO/R$>>0SCF3N.Y3NK=<O)E"VTZ17-\CZ-=OM
MC9<6WV[M&%9O;E-1\R3X1@^=4G[WH>AYNNT7PT7&L.7=JHCEZK$6.9L!:U73
M-TS2C?[9-9W'H/3^2)2$<HE#R$0`P&'C^S/4]N?,>"MJQFJ/2I4K5U]9R?NG
MY4VLV=[-VN4NN+JUTKCQ:,(=6HXDLJT994E&3MC*?M*[)4ACN2.R.E&JR2J?
MZ3&^W61,!_[A'.QJ_"YC0R;6L)ZHX#/"N8F1/'O55^#HT5E<=<J+6)RQAV@G
M:,EV[,B@)BFF\>&4!,&[4OJ)Q.?@"AR`\>OTXYMO(48NY<24(JM:\"NUCY%^
M[&S9BVYM)^BNB^T]0W1[XB21M$H-[EVJ3G8=E69/2Q+UD@[80+!LD5VLL8J_
MN>2B)C#^K_G`4/P#.`=R]Z9F=EW,:-SIM1;3HZZ/2I]4]J]HX.W;="P[:EGN
M"ZFUJI/6B\534LR[*[]L>@NPNY];V&XG92\'9%&A&K1HFS;*LC-6IXMRV:^V
M"92F:K`/F7T$<U%SLB_W?AV\SHC=QHKI3DZ5:X\/$NY^[[3V_N%S$S;[5^W&
M,DJ))5;\.);[)?(#)FBTXUS:'[UL!"D4;G.!O=*)B>1"G,(_K*7RX#@/(.0'
MT'*K?R>G.[U*Q;C*BI23=*'O=H^?>R;3APL7I1==$USIXOEQ.LVAMJD[XUW%
M)MW*"EFC3)D\B'*4ZB?B'M"5`0,)?;.;@>!#CG/0[=MF[=KYD%DPC/'2<4JM
M*CXMT^PH[K[BV/O';HY6#=A^9571.KJZ4XEZ/2RQOXMO&Q\VH7V`(FF4YC$`
MH%3,`CXF-R)O``]>1]!],X[\P\6V]PN/'CQJZ^%=3OGRPWB:V'%LY%72-'7T
M<*&3BUW2$8-0>QH-A5%,HBJF!!6-X%$1,<0]`_0'/.<[M;=GY,%:=9Q:XOBO
M0=7M[GM.'*63I&CU2YLMWFMJ5ZR3J,<[$14.*8@JO[:B9C>)O<'Q,(!Y<EY`
M.>?[,S;?;.;MT)W;4GK"M.?L+>1WIL>]MX7PN,>/(PG?)-9H%S;VD/%E0$"%
M*813,F82'*4!]0(4IB^8_0/4`XSZ8^2>#G1V^YFW>IPU5):<$M?5J?"7]T^^
M;=DXUC;L-*4U36+5.+X^DQ-NPX.0`$1_5Y?AZ<@;\L[Y""A!):IJOU\CXMG#
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MRL52XEJ/L$*#<CL67@Z*B(@`E\53*E```!`/7T$<LW;DY6KMZ;;N3DVZ\=6;
M*WC1D[=GH\ORXJ*CQTBJ+5^HL^TYI?4&D=M[)6A*:VA=@[;E75J/9A3;QXWV
M*&>>S`0T?[(II/)>BOY=P5TF*9'BC5P@KRJD`F3M6]US;K@[LE=C"*2BTDM%
MPJM368G:V-:RLM*UY4)1<JQ;3<I:O[673QVMM>,)\LX:,31>HD55;`\*H9V7
M[SGWD%%53',HGQR!0-ZE*/Y``9DPRL.#JDE+U&XN[?N<\2WCYMJ71"E6E%.:
MIHG[.?,K87AFT>Y*1=M%0$<!WAG`-V,9$M6;=-05'[YPW(U:))-41,*RBP&+
MXDY'*<W(Q[E%9N3]FA@Y';L\5?R;*A%\H2B_KK7VG7]:D(]IJ&-FI-F<@VF<
MO-OBQ.8(]V$-;;_:++7EQ1(1`Q#.(:206`HE+^@P%X`P>6,FW"%E7?>;],I/
M\3SRV:]Y\;;M6I."E3J@FEU<?=HEH+[--R."))BX,JL`'*<YP.53^,H&((^O
MEP`>F:3.S<A55N3C&G/_`/=Z?N/6]N;7BQ59Q49+547/EQJ6V7EVU.R04DHY
M&4;,GJ$B@Q7#VS$>MCH%(J02F_4?@O`#X_JY$>.0#,C9]ZGC43MQDJKBV;/?
M>VI[SA7+-N73>DG[R6NJ>FO(HS5TU;;"_9P==AG#2'9$&-F95B<#2;TK`YCR
M;]L50ZB)R-ROBI)J.0<^R1I[?/"@&3]/F=Q1A9KC*+ES5.!Q5=@_E\AV=QN]
M<X_"FZ:\M?69$JK4*/KC8^L;D\D5VBSFV1L?)V"S2OWIV\I+S->CVR(NES)L
MVB3IV]29MDB$3`5G)"%*81`<IVR[DY.]V;]IN6L.I/5)55:+D;_<HSP^U,K;
M(JQ&,,:\VTZ2?\N6C?/V\3.[G=#XS&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`8?/G]#GX:OD'
M_P"P21'_`%6.NC@'X\443]8&,F)SF5]E(G`\_K((>8`'J/'./8WZBJ*3E23H
MC*[\?_QSWSM-;X&U2*"\9JN&EX]W-/7393_WB:L9%`[N.9G\0+]L)4Q*J<0$
M!)R`9X/NWNZWM5FY@XD6]Q4=:\$O137@=?[%^75[<[EK?MQC..SPDI)-).;6
MJ7JK2OH/T5M9R-?UII!S:GI6`1].K3AE"1P@"3:-:Q+8J"8)H<E(#IX*(`!B
M<?@4``/3.+[;DRCAW;\I>9E7Y/27"-7K3GIRJ?06;CW<O?+6'AI6;<_*ZFEI
M*-52$O"*]!'>E+*[MFDE+_L6#DH>PM)>4(I`OG*;]&.9OGJKB!D69T_Y"A)!
MDX(?R$O)!Y*/J&:O=<++L8T7<]^%=&_3RTT-=%[=D;YE2V::_(*[*DOVIJVJ
M:\J*55IR*!VW"P;NER+\8A%>1.(GCE#%(42O';98@*(FY)[12D_4)@^F:.%R
M6.W<Z(M-4IKQTHS;[?DSN7Y1;Z;<I59^=]L?7KVI=IKTR9`D[>/;[:VS15X8
M7"!4GTJN9>24`Y#E61`5#>''J8?3G@1X^J^W,^&;L>+YWN7E;HDN#]+J?+'>
M6V8^-W3E7,>;E&<FW6FFO*GXF3OI1T>EMQ;&:6&=CQ;T2AR[5\4#I*$-/610
M4ECJN3'%7S;L3"`B'D<HF'UX'@,\=WOW%#&QY;7CS2R9_$T^$:<O;0]W\M>T
M7=O?Z[FT=B/P16JDZJCE76G/3F>SK255C*14P7>E24>C'BUB$2_R!9M$2AR1
M,IS""9/$H\F]!,&<5LJE[KN14ETO5_M>L[!DW)_F83A[KZM:<_3^!X5/G!>U
M^P=^K:_A"<)L*C4(.07(@)$5I-HW=*'-Y$*!5U2MEDP,(B(^F?2/RSL17:<9
M9*I+S9-1Y)>CF?,WS7O1N=SRMIUN."J^?H,-,B"$0B51<YE%%!,;P.F7Q(8A
MC`3QX$1Y,4?QSW5E8UR]TT2H<^A:BK2M-ORVFZ\U0NFZG:;MFP`F+;!,E%HF
M&(8YC)E5.F98JA5%42$2YY,*?/`"`^N>$[OOXV/"5KI3Z]:\U3]-3H_RRLW'
MN"NWNI8]:<7K^!DSUE.EK1RP;],S10%#)(+&2,F8B9C`8QE%`'@ITA`2ASZ_
M@(!GSCOF+++N7+UJLH?M5Y/T>P^W.VM\\B$<.+3C&BB_1["[!2KSSN(&49S*
MBZ'M>X;E<PF,4I>4R`41$I>2?7T]`SR^!>A'(5FC5&=%5N<<:5V]-2C-UXZ<
M"R^V34\I<$FS5W]N8KA%NW(?Q3]Y0P>VN<BB8B8#)&*''/J(_P!^="=G`_(N
M]>3<Z4KX+B>.O8^;NNY6MIV)?^9O22=.&KI]906\>EDK?(-U;U9)1:7(Q,X,
M)Q5$IQ3*8Y4Q-YF.;Q+ZA]`Y',GMKYBX^RY<=M2<H3HO1]G/Q.I_,?\`L6N=
MR]H0WVS<E/N2W8<W'J7)=25*>+?I,*$[%.X":?PKM(R:[!RH@H4WD(AX&$`'
MD1'D!`/_`#?7/I;#RXYN+;R(JD7%'Y!;OM.7L6ZY.SYZE',Q[TH33Y.+I1>C
MP.M$<R343NN,J*A\R2Q*3DZL^&-XD$WUX_\`./&095K^FB4M!Q83VZ-<1!@3
M$LE;HA)8JA2'3,V3<$<.BG(IR0Q#-D#AP("'.86Z2N2VVZE)I17@CTG9]R5K
MN7"G&CKE4::JJ41^D-U;TQH=EKJOD6T[J]T[;LVAEGBVNZD\=$$Z"2ADU'CJ
M%56.X34,)C>0FX$?PXS@V1=NJL^IMM_B?>D?-44K3Z%3DE_L*GW!2:E.3VO*
M4S8,"K_U6I9(J(C&3*/B(R!J;<7<@LNU8IH(-056<M$2"5/Q4,KXCZ!ZXN-C
M*]<>7&3A<3UIP;]-3)NW9W/*C)ZI*-7S?,O%>N7<)KELJFD@F<&Q5D4T1`J!
MTB%(FDDFH'M`0%52_I+P'U_O#*\Z=VW::23ZM6WZ?456?RES>/+N-J5M:TI1
MOVD'[!_9TJ4@GM[7L9;*]).61_!9PDLFQ>J*HI,'D<J4[9XTE6SAP)2N$#(K
M(F'^4IZ\YC;9BNQBRRLB</,K51KR]/,O7(0SLRY9M7E&WTN2='7I7Q)\M.1'
M\?I2C7,A5J9N;L-5TVSM=$\3'[CLC]NW]M0Z:S4K>W)69^V42<(BF!`6`0,4
M0Y`.,KC;A?MN5G6_7@^'Z2;BO6(*<TKECD^J7#EP9):G5_6D>1!S<)/8VS%Q
M!N[;-]G;)M=J@RN$E2G*X&N'E$*RX'RX.8JC(W(^H?V9ZP+.*JZR?I]1KX;G
M=O-J$+=OU13^\DER\=%0.BH82B*16Z292^";5),@$030*FG[:22!"\<%\03+
M^65W5YMKRWP7^TMWH0MW?-C-MTX:$53BZZZK8ZACK*-71"**^*@IBHJ'MMEF
MYE//Q\OH8/4OX\<YYC,MR]@Q_@K'30H*\5Q:1,T2*HLF03HIK'$WF4"E`RIE
M%15*@`E2\/X0'U``]!S"L2\N22U53=[?F.WC2=Z3^%_<2IUIA8VOV=0&R2BK
MYJU?-TV[(B:KETK+H2T@^!4AU$T3,CJE(*@F]2BH4`Y$?3TV%"W9ZKSBIZ/1
M\#GF_6+<LOS(5<)0JV^,?2O2EXEF_P`DV]G$+M?X[="-E6RRVXN[^D)F>3=O
MACH]S7=9[/I<Y*1`NC)JMG9VUG=PH`F8/9<.VIT@,)RE,'I>V/,EN7YQ4AJE
M1<%JO$\#W_:@MKC8Q*J$[-YR;>LE"VWZM>9[(<[4?*8P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP#$!\_'MA\-OR#^[Y"3_``"E.?'^+G]_K_CQ_P#?<9#T6G$ANBTXGY2W471#
MGL#M.NTO[(YTI"39MU2-S"FNA'%4(=V[4$%`/P5$1]``.0'C\<U&\;MC[5M]
MW(O2Z;\8-Q]?`]1VGL$^XMSL8UN+=J4_>\-$Y?@?H!ZHHU2T=IZ%IE7K[2,C
MZY`14>*X$;H%.0G@590A@3*=1=8YQ,;R'DPA]?PSYLO9UW=.K-OSG++DYJFE
M&J.G*OVGVCC8T<;&Q]O3]R,4E']E:>@DB0G'<]"-Z6NSDI**E)=B@^:,T@,!
MHMP\3<"MP!R#P5(1,;GR#@/IFGPHN4(VG)J]%MT7MH>ISL2U:\Z^E;C..,DF
M^4EX4?'P])/%C62K4'=*^WLD,E$`K54DX59%(7Y@)[92J$$1$R103+XB``(>
M1<WVX97F[=&TVG>374GZ#CNRQLXUZ2Q\>?EJ%S5<*MU^UF,WY".Y%8T[K63I
MU=FF9=DR46JC%1R@"(LDED!03>G\@.54RI%#>V``!A$/P$0RG8MJ>[9<%%4Q
MOVJ\>*X<C:Y&4]FP'N%Y)SG%J,.?4^'LTU/,_P!?.KE]V7?96WS3==69FWZB
MQI:2]&S*/%4QEDO;.F`'6<G.)CB/B/E]?3.L;_W%MG;N*L;%<978VNE5\?93
MP.5;%V;N/=.[_GMPBHXMV[KQ6E>5>?K/55U6U+`:WI</!1_BJ5HF07QO$#F=
M/5P`RZPB("97DX@/(B.?/]W(SMRS9[CF259NB2]=>=3MU[#V_9Z8.W0E'RTH
MNM.E^G1+4NEOUXCZY"O$62B;<&C-9=\Z.H)6[%LF@<[DQE#"(%,8A3&``^G&
M;6WU24+=M)RE-(UE^<8M7;GP)U?H1X1/D-W]J38TE<;)&O$Y&[REN?KHBV.F
M((M$'"C4I%C%#Q4%)N@3D1-Z"(@'.?3^P8LL/;+>,ZI="?UGR-WCEQW/N?)S
M8NL%+IC3A1<_688Y*=<2J94U3<@10%/(`X-Z#R`<\CZ>F;JS8C!RNIOJ7U&@
ME=Z;;3\*?6>FK_+^+4^_1]]UC+IMADF\@DY3]T$Q5,W=I\E/XF_4*?O?I`?0
M/7CZYXWN&Q:NWX0O5<9J7LX'4.S<Y6MKGT)=5IJGBZU;K]7(R8=POCQ>55Y(
MW6GL5!9J>XZ?,6Q!2(B8X"!ED"`<05*<HB*@"(#^KD`$>..6[]V[F8D7>PX]
M6-+5UU^[T'6^V>\]ONW?)RY2AD)I*FB^VIC!<7&WUI0*6S;KR#ER`^38I%5?
M;21(85%"*)D-X%1(0!$!'T^@CSZ9YG;MCAE9/6H-2C&K]=3HNY=ZYNT8*MW6
MKEFZZQ>K:C2GCQ+':UL]2P]EVE2G3(1B4>Z]L4P$Q0,LJH/FH)S>@F-Z<<^@
MA_;GL-^V=XG;+R+=MRO4K3D>E_MJ[WV_>_G5C;3FW?)QHTE%W)*D[E6NC7U+
MAXF;-)@W=5Y1`ADU6QV@$2$@E'W"BCX`8.!$!,(<9\NWL^?G>?&,K=Z%W\5]
MA^W5SR?S45-2C<:2I^RT]%[-3RV=OJ^RKV];:U:`FD05_+VD``B?FKY'Y,40
MY$PB'//X\Y]U?+_,O9_:V/D7VW-IKZJ'\Y']X^QX_;?S\WS$Q%%6W>C.BX>_
M5OAS+8ASVB/EFXZRKZ$?,%!I4_Z,W^C_`/:#(,NU_31//4M(7'973S4#$(9W
M;",TSG`3%(J[C7[=%02A]1(JH`A^'(9@[EIMM[U,WW;,G#N#$:_9O*:]>B^H
M_0[U#(6&GZV:3$JFJK',()2056`RJ+<[-NP(NIP)0.*@JIE$1$!'R#@`]?KP
M&])R;B^%3[ZPMPC<P[$II>=-T:Y))<2V+8>[MC:WVI1+['U1_L"09A*QMMIE
M=.P_>UJ5<8YNJFWK!9%TQ:/9.J2D<V=*MC+(G=\JE*8#^V7,W!M*,>BNDC6[
M_N_7B0M8RBG"?4FJU;].I=W`[@WIV(9UBB5>EW32\.54IK%:=G5T(YRT9IF$
MQ6L!$*.'[>RRJK=8JA#B)V#<1*94QC?RAR[F-;R;L<>>D.%5Q+>/N^/:QWN]
MY)Y=Q="AX2IK*7/H;UXK3F7$(:%?,W[=&T;`OEP@(I^B]_IZQR#62_=I-@X(
M[;/I)R+-)9D@HX\3_9M@3:@*)0X*7DN68;-&S<=(]<:O1_JH7;7=$\V$[%J[
MCV[DDDW%<*:-1JWH^=:G3[(BPUP]3VQ4VJ[&,<N$S;)B4R`X;HF$$R-;='M"
MB!&R)%4/;?IIB!3I&^XXY(836\[;[D;?YK%5)KDN'Z?M*]LSK]J4MKRIJ<;O
M]*3XU]+X4^HEMI<4;%7F#M(%%#IEY]U)QYI@B<PFX0(81_D*"'X\`'^SZ`.7
M[;>3C>;<TEZ/45S5G%R?)BVT^-3;:/5722S5ORHG[HIJD,<IE/$Y3"?V```X
M\B<#SSZ\#QFL\^?@B_EV;/[TOL*`GT77N.$055.LAX@F1!,QEB)G(HH0YO(0
M(43>(AR`<\\<"'.:_,NOP7`KQ?A-/D@HU.D[\#"DF"ZIQ,GXJ+(D3Y`I1.83
M<J*!P`C]0'GG@<U>/9C+WY-Z495?=N$DHMT*WZ\GEFE4O]Y2(U!>8FY=O$.O
M:3%8R-9;_8RJ+5Z<H@U36?&(?D!*/!.`#U'C<+(G8MN=%T-:5-+N6+'.W>>-
MK%6[4:*/-R_>XZ>JAYS^Q5CG^T'S!=9Z%"-A4JW3S<W7NDR-H56%-JK:4-EU
M6XWERU\$U$S&GIUT5N4$_,5A9^1_;`.<]WV["Y9L6;Z2\Z[<BFN2BY+5>DX=
M\P]VM+)EA-TC9LW5[O-R@XNOH/T9LZV?.HP!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#$'\^A#*
M?#C\@J9``3GT'*$(!OH)C3\`!0_TB.47)*,'*6D5J7+,)7+L;<%6;=$O$\=?
MP:]#4JJSD]V[9B%OW^59E2K;%5KZ,V2Y?=]\AP,;A14GB("!B_EZYP'OKN2Q
MO.;+%PVU8MZ/TL^F^Q^W[W;VT1OY2BLR_JJ<4O1X:'I?>:_BYI@YCFZ'DW=-
M%F:R3D"@!4E0$ON)"8QC)*(_4@AZ@/\`KSQN+DM7(VW&/3ZM3HEN[*$5>EU2
M<))^G1HC;3M@CZ7+S]0M?M-K;7D3IMW#@>4I6OE$082C!<YA%;A(P)G`/4AB
MCSSSFM4;F-N#REK"3U7IY4/19],S'C.Q-W,6\ZOQBUR?H+.][W^3DMM//Z:7
M27<+Q7N(N7?ZFS1PV.46[HY"?]-ZFX('H'URO(M79URKCI;E)-I>/+V>)?L.
MW&U#'M0A&4531<GQKZ2P&0ZBPEFVA,[)VY8)2VR;L4'3)-\J55DW4#DZ)4&R
MIC((,DC>I"$*`E'U'U]<V%G?;^/;Z+/3!)<4FOKU+&;LEG)R[<I1ZI*-*/6-
M'SIX^!=KK+639`K2$K3-`@B<P.7B3846R3=53D")F`/$?9`?$1YSRN;F96?D
M]>5*L5JO6;G'P<3;/=BHU4:I<NKE^)?I7X@E=9HQ#%<A/M"E*\?`)1,"ITP$
M_M$XY$"EYX_LR_C7.J:A-^[R/-Y=B=V<I7J]<FVO"M-##;\QG=*&ZT=?;!3J
M[+)&V;M)D[K-4015-]V1JX\VT[8E@,`BDS8-%A\#@'D*YB@`^@YTCL?97O\`
MNEORU)8MI]4F^;7):',.^]\AVYL%<EQ>Y9%MJ$5Z>+IQX<->)X2%UU%`Y.L=
M8YCG,H8YQ.)A$1,(FY$1]3F,/]HB(Y](32T2I2*Z=/0?)T[CZ_=^!JNO&KXF
MA'R()A$/R^OX_7(3:37)EB[+S%TO@99OAFW@WTQW4IA9-\+*%NZ"M<4]1!(T
MJH=-:**;U`"@=1(P<B/&:?=L5W,;KA2JDNIOBH\Z>![7LS+=O*ECW/Z;7M;U
M/T`^V&T4H#0,Y9H2`)8WW]*/7K..31,HX>+)-!.FV:&!,P"N<Y"@'//J.:W&
MV_\`U'%E8MR3M5Y\?0;W=,V.!=E?N6W&*>O2J/T4/)3T0[21>]M];+J%AH:D
M+;7?[DH,?(1I2OV@)*G048>'M!]B*!BAY$\B^?/.6[/:LL"^G2-91^ROWF/=
M[UO9N/&U.<^F'P^K^(PR?()!675';B\@"RL6Y</&\U%+MB`U.FR6$WLI%,F`
M<_;JIB4?7@>,]&\*'Y98F3"$K=*<.7Z3S;W;.Q=TAN^#=E9W&VU*%R#:E!IZ
M--/B5_J/Y)MG4J#_`&&S-V]D;IH`FSDCB*;E$Y`'U71\?%0OKZ"`"/.<E[D^
M3^S[G=_.8<I6Y2:K&JI5.M4NGTGWY\J__<,[][5VK_1N],.WNWE6^FWD)25U
M*B45.3N-2HU6J2XEE&TK[);1O<]=9<2_=3;XSSA,#$(5/@P)$*0X`)"E*;CC
M\PSIFQ;1'8]KM;=&2DH+BO3_`+#XE^9_?.?\S>]-P[PW2/1D9M]SZ4_A7**J
MW1)<JLH/VR_V_P#U?Z,VYX!VHMU=32*8`'ISS_\`5_9@CR8>DV5"CX"``//I
MZ?C]0'!<C%15%P)9ZX6)E4.PNE+)*#X1T/M&DN9(1X\0CS3[%![Y>0@'C]JJ
M;G\PS%SK<KN'<M6^<&WZS,VS)EA[MCY$*:7$G7UGZ>741A&;&TTC3;$V1$@U
M]_5_?4]H05&(=+1?B8$2\)_<$9@/D(`;Q-ZA^?#(8<9W>F[52<6W3QU/M##W
M"$\6WE6'6<(:+EJOIS,=?=2N-.MVPX_;D-$SMLI0/)>'NU0BA3?3D&0A4P0M
M5=8J*M7$LV34/PX;$\G!3$)[152G,0,G;[4+R=N+I>7"O`Q5B[E=LI0MN[=?
MOTC_`,-ZT_Q4_P!A<5I#MMUXV!7(J4K>R(<KYJL9M)0LPVD8BTQDF1`I73*3
M@WC))_$OTE5$Q.@<JGB4H>OZ@S)A8S8YL8NTY-:57!^E&4MDOYER4[?5"WY2
M?5YD.F":^&XW2CCP:IHRZJ:[*Z]%Q'MV)KC-OGL7(+PR;#5NQ'W[U'UTP*RK
MQHJTKYVSII%%73,]61%0B*0E$YBE,'/I+D<V&.[L;#ZEZ#S-S%Q,>]&$LC$M
M]3Z4O-75)K2J?IXK0B*7['UA^\@H!91\Q>V$46,%$SM!MS<LT,A"#,D^Y%Y!
M@DBA(0KXCCWG``@+14H`/BH01U$\N]9PF_(;;\3.C<N9$E#"O?F'#A.U62CZ
M.6J.WTBW/#OKA07`.46\$]:2$&94!5.UKTJ"[II%G,(E%7]H_F-P.(F,=)-,
M>.1$,T$+DK=R[C1_IQ55XZGI;&Y6L^Q8W"/4DW2:?%4TT\"76[LK!T4OZ#F3
M]M0YBF4'E1,"@/N*![@A[8@(^OY#FE\R7H-Y<K=L*ZZ]=3HWSY(`E3EY.=0%
M2F,)RB(.$"J^14U%`*"ATU"!Z@(^@@`>H\9K,NYD5I1&UC;A;LTA7SN?@03)
MVI./AYA5=9(JYBJG\%3B"B2:Q1.B!#G*'BH)RB'`<>)?3@<O8V/.5MQX55*F
MIRG2Y%UYEB$1\A&\*B-JT;3*/2C56MI":-V1.2DD^D$+)80%Y88[^DVB*+9T
MO%G4!1)4[I(AQ$`.4>!#/28VR_G<:-G(NQ\N.ONZ-_77CZCPG<?>RV7-N7HV
MG/+N0Z:_LIK@VN-$Z5U(EZRQ;1#LKI:2`!7E+!V'UW9;!++D)]]-3\OL.#=2
M<P_,4/(SAT[4.(!R()E'Q+P7TSV^"_+N6;,?@C**7UK[3@6Y7KN9/)R\K6=R
M,Y>VCX>@_0<SI)S08`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!8W\E-"BMH]&NQ6OYUO]U#VFG,
M(R2;\>0*LS6JOK+D$/Q#P1]?PXS5;Y>6/M&1>>BC;9O.V;<+N_8L+GP.ZJ_4
MS$]4Z)%ZWK+",K"*3:/:-DDT4B$2(8$$D"D2#DA0*(BF0/[<^9LG$ZKTFOA<
MFUXOUOF?4N-F?F)05U^[%427))'2N[O9D%5$64:!_<,4P+BH!3>`<%\0,)0Y
MXX]<U=WS;$^I<CTMB5CRZRETKQ^GCP+?-N4U[LN/1"7;R$1+M#JGB;+`22L5
M.19CCZIMGZ(&#[5QZ`<B@&3-^(<ASB.X7XJB4'ZXU_$V^/''MUN8UQ>8_P!E
M?#]7V\2%*9H-E`OW3J3F)B7<B@!GDI,NE)%^?^:7_=P7.`!X_P`OU`H`'&8F
M9E7KUNDJ4JN&B-G96/C6OS62G^:JDDG1:^@DEUKJ+>N"\+"Y;)+)<I)E+Q[!
MO4Q#DY$W@'`!FMCTM^^WTEZ[GSN4NJ.G!4)B8NH2E1'V<2Q:)+^UXE(`$)SY
ME$_D//(AX#^'/IDWDYP2QVE)/6NNA9_*Y>5>60Y<.1"NR-Y5_7%)M%UM\FSC
M(2NQ;Z5D5!732^W;,VZJZXE$?$5%E3D\2EY_68>..<R]NP[F;F6L:W&3RG+1
MKA5Z:KP*=XNV-OPY;AESBH03ZN6E'P])^>]W9[5VKM]ONV[8GG*R<0NY5B*5
M!B<XMX"I,%U"1S1-,P\`X=A_O"YO43**<<CXY];=N;#C[!M%O%M*E]OJF^?4
MUKKX>@^&.]NY[_<N^3RVT\2VNBVJ:=*?/Q;\2T3G-\G2'1RK4\:W5U.013GG
MR$`^G'X?GS@I:\"M]>69:EWBIVQNH*3BO6&)E4E"F$HE%F]16,/D'(EX(0?7
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MC4:UE0T>][/=VF_;ZTU9FN?CZ/J,$)DT1*D5,?U&,!3!SR`!^?''US-M]6OF
MI=5:>PTLDX79=+:5=->1V0I"7QYY$0*'J'T^F6;ER5N73&E"VHJ/P\#[X#QY
M<#Q^>4>?/T%1IS)MR<X=3X@V3@/(CQZ>GK_H#*P=:=55NY!R@I[*Z"J:S=;T
M#VUTS%,BH`C]!(H`"`_@(<XC[O5SZE1U"TDI+BG4_18^(OL^RV-JO3EV.Z1/
M';%IYW,NB54?%IL"JMDH2Y1WB)C>P[7E(U5QS]#$<%'Z>N<>[AQI[=NG\E4L
MR=-==&?3O8^9/,[?MW^N/G))2\*\].1(W9YTI9=E(I+MCOZR\F7"<FW,L<AA
M9NVA5#BF<#"90Y7;5$0*(\?J`W'&>;E:Z\ITFXJ$J*CY+A7TG6MNOW<*$;N/
M+WNE:\?HBH-.=::9KN;=6/3UNL&OY>Q*-'KT(]Z60A7)V:J;S[QI7)?[Z)B'
MKU3]+M9JF@NY0(1-0P@0OCZ>UG95M1<9:Q2I]7VFLR=H[>W.=W+W+#N>?)OJ
M<+DH*3KJW%.FO/0NJE.H^M+C*2=]L,P>PWFSRC61L=P7@8MK:7+QH1)$SIK9
MB,R3L$A)()`5^C'.&J#Y)$I'!5"E#-S>W>^K"AU:-:^MGF;7;G:>-E6HQVQ7
M?+GU1=QN4N-=75:%=ZPZ]:MT\TD?Z,K[&'7DFQV1W32/:-CD0-P8L>3P2,N4
MG!2>`B<GZ2EX#](9YAY/YN#LPG.*KK5GI=QS<=*F#8MVH_NPCTKZE^DI(6B<
M7=[FHNFLB+EC`.63I5/P4<L"-7(*^V8?$JHI.6YRF'T\1'@0S0N[)9LOXM&,
M:Q:G&E.F/@M%]1LOY=!%NH['@B8I*'$OFF@LI[B9BI@(@54``Y">0#R'///Y
MYK^9Z:P[5RVK;X(BFV7J&BH0P@[`YTP<\KH@03)BL!A.;P`#D<<BF8O\0&\N
M!_3Z99FKT]9)&7D7IVIN]&G4T^/#ZC'KN#<S"+AI10BZCDR359%-BBMY'=?<
ME3:LF7ME,!?O9)ZN1-,OB(E,H/'(^N;?$LRMV/.R5[C3H>:SL^,[2A::_,TI
M3U^@LG@H]S%LE_W);WIR2>O)&9=`3P($JY=J.7@)^/)A:IKKB1/_`&A2`H#]
M,]+M=N$+'F.*Z'P.#]Y7)7]Y6*I25N-NLJ/]K]'H+A>N+CR[&Z`(!R<GWAJ8
M2^(?PE_KRO@)1_L/QZ`/KFZQ:?F;=?\`B1^]'D<SWL.<7PC;E3_X7Q/T$\Z4
M<V&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`6]]K42K]>-IHG$H$4KZ13"8.2^(RL=Y<\_V9YWN
MU5[;S%_X3^]'H>TX>9W'B0?.ZON9APD04;-$D?:**0CP0HCY<&#@H%`.?X2\
M?W9\]WLBYY?%+IX.GW^)]'X^.[5Q43Z41NX05(Z+[RQB)""WD0`]0'GW"B`A
MSP7ZA_9FJOMW8OKE%^A*AZC%2:I+5$:6*3.4ZI!$2HJB#=,YC']L"^)A,4``
M>1,<>.!'CZ^F:>3:NJ"^'4])B1M0BI42IS(P%U(H%4,+E0`64,4"&4(/\LH>
M)2&`PE\B\?CQSB<)3CTKC4S;UVS?DI776GL.*E+*0Z)GKQR!3F!0$T@43!,`
M*/)?,0$3")OPY]!RP\6<D94-P4+?E1Z>CU*I&%JV8S23$#JI`N?R7$RJH`5)
M,H%.945"B;Q+X\A_IR%B34D]6D]>)3#)3;<94=/8>5SY?N^+K8TLKUVH\O\`
M^[L8N@M?7K%4Y?OGC7^<R@/<0.4JB#53Q47YYY/P`\\#GT'\N.V)8^,MZS8+
MKEI!/BN=?3P/F[YN=ZJ^_P#0=MN.BE_,:UJJ-4]&I@)'Z_A^/T^GU_#^S.KI
M4U/GN[\*7(^9)8&`<I)3GD#F`.1``]/S],1N2MW8M?#)-/U,F%?A7BG[4>YW
MXE^W+5]\<K\LC,@E.ZYK\]7%!,OXG*:';KJ,N"B/F)18`3^WUSEN=M<K6_7H
MVZJLTX:\GQKXZGT]VMN^+D]MPR)NMRU:?4Z_M+A]GUGD/O.\K1:.RLKNZ1EG
M"TX38!9]H^!=03-TXR3*HR(DH(B8$4VY0``_#D<Z%'&A+:G;N+7GRUH<.GNF
M1>[ECN$9)SC>ZM554K3@91OE>LI=MZ<TGLM`QUR)"D85S%/ZIR\4DH)O(W\7
M#A$0$`Y#D>?3ZYI=CM1M9LHPK3TNI[;YB7K65MV-D6Z:I?BS`N4P_7\0'T_T
M<9ZZ;K+4X]<O3ZV=@W6,<QO=-Z`7@G_I?EZ98G:A)U?$NVY.4:OC4[#DX)C_
M`,SZB/I^/_+F'=BHSHN!4""D(`!BCR//)_(0#\?P_P"3$;LXJBX`^&(4YA(4
M?0?H/J/T#G_RY5Y]SQ!T;]%4O(>!O40Y-Q^D1_\`2^F95MN4$WQ),_GPC=LT
M:$_MG7>P2!$7+V52VKJ0RZA@\K'$HI)7*I-S&.4`&=AVR;DB9?\`I/:7``$P
MAGC^[-NEFPC>L?%#B=&^7^^?EKMS:9RZ(S?55\/4>H^(LE9VG$R\P=?W6[:=
M![%BD!1,8S4R;3[8YBF$XIJ`D<IBB/D`D$./3@./Y^)<L958N2E)MO7GZ/`^
MK.V\6YN6'9Z)IQ<6EZDM"[ZE1BGV<;),S>V5-9%-`%VI5%%6QR?I333#P,1,
MPD\`#\^3<CF=C[JH_P`J:;Z=/JT,V>RY=RV[4YOI?&FA=Q4TUG37A?R10.@8
MJJ:PGY`"D-X%('CX)D$""/D7QY`>!_4&;&61.\M?A-#EX=RQE1A!RTTX^!OO
M%S```0HJD.L?D"*%*99?A'R5Y'DP)D2,4`'T'-=-7I^A>A4,A*,76BJ0SL--
M(A$5"&2/+-$C%5\CG-YIK#Y%`HE\O(H"H/'/(B(C^0YC9"\N?F1^,M6+]NSI
M=+8+9/N(B-,Y4>"J!D3"4C@Z15C"F01-[WZBE`2D$0*7Q#D.`#\<Q./#B;>$
M[-O'5V-5*OB8\-GW61F%Q8Q1W2Z[M7A-FGY-P%,!,8/=5;`($*8##R'J`@/K
MFQM6)07_`)GC]1H=W[H\K(6-:75.NM%R?$AQG3Y26FC2$LV^X:U\$GZ3=5+@
MCZRK%#[91-,Q?-P2)`P>V(<B58XG^I0RK-RG<L+#C3HX+36OK-7AVKEZY=W*
M?NVX3JJ^AU)B^0#7='Z;U'HA_7#YK4[1V-U?;7,Q)R'FA#/;[&V-"PM8^2DS
MA]O&2*M7NS)LB"A4TU!9&)Y`8`$>@V-GOPVVPDGTJ"E[5J?/N[=P1O\`<62[
MDEU.XXKAHGH1YUG-Y=C.OX^@".[-3"("`<!S?8#^$P"/D40]0'\0'G(QW&WE
M6HSBU-W(_>B,CJN8MR5N2</+E7ZF?H09T8YR,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`A7L6B
M@XTALA%P03HFKR@G*'U'P=-CEXY]/XBAGF^\&X]LYC7'R7]Z/4=E)R[JP4N/
MGK[F8.[-9&[)FHLH*9"MO+V?(_!^2E'G](_I$?+Z<Y\U7IRN6G";]U_I/J+\
MM=G[L6E)^@M)MNV7IW*@QJ2G")5!\C)F*4WN#[8E]1)R'`C^&:YVK=M=<:U7
MI9OL+'M6K=;SK,@B;V18!*H1<JHB)N1X*;Q``/\`@(`8"\%]/0<O*Q:<'<:_
MF<%J^+-EUV^GH@B@9/;BK(P*N5@,FF8P-D1*J'LAQX\FX$JA_(?7D`'C)MVX
MIQ5/?2?5^!;Z[=I==WX2%[)NN9DS&]L13`@']Q80/YK$+Y>!#%-P4@E+_IS)
M5I2KT\:&/*[)UE!^[33U\C'!W5[%V^DZAO$M$R1HQ5G%_9HRH@)5AD9(XMH^
M/8`!BB9TL415Y^I")CZ?0<];V?LMO<\^$;\>J"=6JM:57@>1[L[AN[3L5Z=J
M:CG4HG1::/D]#RB2$@]E'CJ0D'*SMZ]<*NG;E<XJ+.'"QS***JG/R<QS&,/U
M'\<^C(6[=NVK=I4M0]U+P1\?9.5D9%Z5_(EU7IOJ;\7]/`X628SE*7$8(&`?
M0'_5R'.0TGQ)3:X%WV@NSUUT[1KM1:_*+MHFW+BNZ1*8P%*HJT*T7%,"^/!E
MTO0>1\?T_3U]<"_A6KV9#*Z?YZ5*_JX'J-D[AN[7MU_`K_*NOA3E1IZEN)E5
M#+.%S%$3BLJL(C^H3F.?S\A_#U#C-F[-+;MSU4E4T$;_`$W97+"<=.>O%^DS
M?[9A#7;XO*59U@.LZB(.`<^]R`@7]OE#M52F'D"_]&4OD/X<\>@YYK;8J&YS
MC'@=$WEN_P!JX\[FLDM#%AUJZQ;,[0WYA1-<PZKI9TL0CV4.``RCDS`(^:AC
M')Y&,!1X`.>>,V>Z[MB[5:=W(57X'E]A[8S.XLI6L72*UD_IP)H[R=&[1TGG
MZQ!V&=2FW$^T,X`2I$;F343\16(4A%EBJ$3$W'/(?7,/:-ZM;Q;N.U'IN1X+
MT>)>[C[7RNUU#\S)2C.3^KDOUECZ;THI@!SE*/'J''/_`)A#-S.U;E1M:]*K
MZSS5N?F+JI15>AI4>HE`/`ON&#GR`.2@/Y?@`>@91Y-OP+AQ!E?$X@"7M\?0
M_/EQR'_-]?KSCR;?A]H-M6146#Q\A/\`D40X+Z#^`#P&75%15%P,><YJ32^$
M[.NV*>J4Y$6VNR#R#GH%^UE(>48J'0>L9!FJ59L[;*IB!B&(<O`AZE,41`0$
MHB&42M6Y1<9*L9<3(M7)P49P=)IUJO$];?Q1]VZSO5&7IMTEV$%=D/:LB\.@
MN1L+]VBE]I*.HMJ[3`56JJI$G0IIF-[8KJ`/($\LY=W5L-RW/\SB1I!-OQ^\
M^I_E1WSCSA:P<N5+\(I5]--70](\5=V3>.@CLECG5:K,R+)&1$#\-$_)-1L7
M@I%53>X)?X@+R(B(YX2.)DVLB,KE.B>O!<]3N:S<*_-QLW%5,N%JNX*N\2;$
ML#UJBX4%!(KQ)4IS>T+DP%\F9%#AX&-YE\B^10X_OS<6(J4J2X5-;N>(D_.M
M34Y%+;"VS%-'B<?7'R+IZJGX@=$H'*DJE]3$3*`"?VDR![@@/!>?KSEG(N2M
M_!IJ:6<[5FQYM_\`J_N\R&K1L!BW:JI`\;N78'^Z55+XH)JK<G%=Q[2AQ5.1
M(1Y)^H`X#Z<\YKK_`//_`*1B1QK65KD)Q]K18AM/8+^UNP8Q"KCW2KJD(J0O
M":R#@Q4R+)E(`@K[GM>HF$#`/Y\\A=MV;5K&5V^O?KZ?N,7=<OHL?E\+W;M?
M7]YQ8;7Y8MBLH\2^[GEVR9@36/XE$YA%0IP7X`J0J)FY$H`<2BGP`?GBYV[.
M;ITZLT6)C25YY+_K/FU6GL>A,6H=9-INU4>)D"*IN;)=J[7(U,$E5%EWT[+-
MV:1$$C&`QE$P<>X8Q0XXXY]`'+>$Y7]WQL5P<ZSAU-?XE5Z<#9;W<\G8LJ=B
M:C9M6J]3HJRI^/@47_F]:/%N>J76N919I"&K]W0=/1,7Q$B36PZRMJ,@R;`)
MO(YCC!M^`#T$4O(0'Q#/IO$C;>1'&FD\>%IT7J7CQ/C/.MN_<N9MJJO2N:O]
M7`\Q/Q=]UKU2>S75/4MM0"^U=[V-T=5(.0=.U&MCK*,MLVM1[`$GJY%2RT2U
M.Z+RW7X62('":H@'CF)F;#')NK*L-0C!J5/5J9V'O2QK,L6\I3E.+C7UJA^O
M+E\UXP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P"$NQZA$M&[+44$2D)6UC&$!`H@`.&WXCZ!GF>
M\FH]KYLGP\E_>CUG8R;[NP%'XO/7W,\WVV)Q(&CANV$ICF,)C$Y,8`*41/\`
M4OJ;PX#Z?7/F2[>CY;4>)]8XEJ]=A-W&VUP^LMG37:*IH.'1Q-Y&$!$1,`&`
MP"<Q1X_2`B;]/'U#)A;\VVTU5ES\OY3\WFBB;998MFFH*92E,7])DCA^L`4,
M(<>)N0`.`'U'\,RL?&E.XH2UCQ^HB5^5I==>!;/9[%#'`R[QTV1$BBADB"N/
MEX^0^V`%(7Q]?RY]<S+N';MQG=E6%>+7CRT+,LC\S2U-TC5/ZB#K??(!@S%:
M0=)_[PJ"3=-!1-(ZHF'R3`Q3`(")?'DW'T#ZCE6RXTLB^H24Y6VZ5IR,?=-S
MLX-MPLSCUJ-57Q]IY^ODL[)P>PY.NZEI$@V>P]6>*S=M?,%@59OK,L@+9NR2
M4()DU0BFIC>[QZ`L?CGT'.V=D;`]KMW<R[.4KTI4@FN$>/WI'SW\QN[+FZ7;
M>+CI1MJ/OM.O4_MI[#%$(B///XCR/]^>]JZ4Y-U]IR=R<N)\R"!@#`&`<A!0
M$QY\A*/(?3GZ?Z/3)BVG5<2*M:HJ1-8QD!*40$#$,43>@"7R`0YY^OISSE]R
ME.VY2>JT+]FY%]7FZOI^G`SUTN4;R_Q&33!98IE&,79&Z8F*0#',TG?(2E`>
M#``'((^@<9H5;A9R8W+:I.4Z-GOYY,+_`&VH7=8PAIZ#'9U8[JWCJR11Q1&T
M?]^X$!4,\)_)(;V12,?S1X6,J<#>@AZ>@\YJ^Y]D_P!:EY,+LK=U-<%70H[1
M[NN=L7/-LPB[4X:^EZ_30BSM3VNV;VLN+>V["E%'"L6V491C$GD+-FD8X"?V
M"G,8?)3U]1#GZ?D&;+9MDM[)9Z>OS<J45U3X57*-%IIZJZ\36=T=S9'=.6KU
M^/1CP248<DU^U7CKZ66KE,7T%7GU$?S_`-'/'TS<^L\I<N3ZZ)\C?**?(<%,
M<GY$-P(\\@``)OH83!Z`/J/X9;E;NR=8.B]1<MMN";XE81-$F)DJ;LK<K%HJ
M!A(=\8Z9U0((%_07Q`1$YA`"\?7D!S+M85^<%*KU(E**>LTO0=X2F(QJ@B""
MKY4G!.0!042J#P(@4P"4%#EY`/0..!_'US)CA-*DOB,6<JR='5'`EXH_VYE#
MIE1,5/DI.4RF`0^I03\O,0_,>.,H=F"?2UJ0KLTJ)Z$^=(*'=MD]H],Z]UM<
MH6B;%NUP;56BS]G=O8^LC;I1H[3J]>GI2/,5U$QEKG2-XLSPOHU,[*H;]!3<
M8ES#M9MN>'<CU=3=/HC<8.[9.TW8YUAMN*JZ'K_T/O2\I3TGU^[`H771O86@
M`FWNNK-D-TPFVY`\TTYFL3+4K8EOIDFF`F93#,[ULL'CY*^7//.=XV._AS:R
MK73:@VHM5?NKA]AW'MSO>WFVX3Q[[>1**<DZ:2:U7L9>DRB2^)17M\L#8K=0
M4CQS6/4!=MXBI[8.G*GFCZ%X-RF/KZCR/KGE5.U;D^FWS].IU'$W#<;M)8]R
M*FU5ZIZOUU.,>Q,*\U5"';J`Y<JBDN\>.#OI5Z1M_-2^[<J^0M42*%$2)MP3
M1`2?P\@`C;GANYK)%R_=E&\LG<+JO7%ZE3V1HOL*55>O)Q3^<J'LJJI%\024
M$QR$+X<^0BHJ;@X<@`@8HG'C\\Q[>+.UC.=NU%2\>I_I$]PGGZ77TI>I$AUB
MCL!<D5.W(<5"@5(!;@*P<!P4""8H^R'`>GTX$.0S57;D[MOHFZQ7+_8:S(R(
M0N>9'X_'Z:$O0U!^^>)F,4X',H4ICJ\@H0!]D1+SP8#$**?`!]#&^@<B&:^Y
M8O9.1:C9UG)5<*:_I*\;.C&XUD-6["3]Y\_]IF:ZL]2FE'6A-O7J**-N81[@
M]"@%B_RJNE(-TVZUED$#@)BVETR$R3<H_P#J3<YPY!54WAV;LOM%8MMY^93\
M])>ZGQBO4<-^87S">YN7;^"W^2JG)QTZG%Z:KDO#GS,$/^:W;&_X"ZBB<I5G
M/_$E0I)14P`I[*AJCL1NJL7])P_1]P`>O'Y<\9T7#A"=V2@O_,1BTWZ/N.3K
M(NJ#MJ7N2=7P/#UT22(IWAZ9*F(H0W_%KUI`#"!BD-_]N&F'+R(B4I#"''Z?
MK_KR]+'ETMRK1)\R(7)II5T]1^U3FL,P8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!0NS*:EL*@
M6RE+.A9)V2'<QHNP)[GL&4`IR'$G("8GN$`#<>O'/&8&Y[?8W7`N[=DNEB]'
MI?M-GLVY7=HW2QN5C6[9N*2/-=V5UQ.ZEL:]>M$6=@<I7!&+T"G792;8OZ/N
MV3@X>`%4`/4.1,7Z"&?,O<?:>Y]NYSADQZL.X_Y<EP2XZGUMVCW#M_<V+<R-
MMO?^94%UVG3W7I5KF8N-J[KJ6L:]8)29EF4=&PB:[Y9=RJ1)!LU,`G,HNN?S
MX4(;D"AQR(CZ?AF-AX.5?I;L-J[)JAO,G,M8D'^9<>E)UKP_V^!Y^MW?+:U6
ME9!EK"H3E@1!51$)F14-',W)2'-R+5(2*/@2+SP!C%`1#\.,ZQM_8.5T6\C<
M9V[2:X1?&OB<7WGYGXEKS,7;K=V]=4EJUHJ/6A9M+?)!OE^548&IP$2]5!3Q
M?/5)"6<)@)N2^+=86S8!('T\@'T_//2V^P]KZ*W+D9+P^C/%W?F;O5R?EX^.
MU/T_["SK8VZM]W]^ZG[A=+&L)BF(9-L\5C6""2G)A1;,V1TD$TS`;U#QY'CG
MZ^N>DP]MVS"L_E<:S;37.AY+=>X]ZSY>9DWKJU^'1+[BWXQSG$XG,8YCG,H<
MQA$QC*&_B.8QN3"8WXC^.;*NE.2/,RG*;ZIMMFG((&`,`8`P`'U#`*CCC)`F
M=-7D?0?H`_3QX'@0_'*JNE.13"/F/RX_U']Q=]']EGT1UA5T8W-[:#P\J97Q
M4$.2R+T[HZ0DX'R'R$?7\?3++M6V^II=2=5ZS>WLY6MM_*5][@_50LN,<.0*
M7R_5P''YF'Z`'K]<K<+LI]<'1^HT4XND:\$M/M.V8P4_(K%1CX5^\.;Q$!3;
M*B0`4_203*"4$R@8?0!$>/[<R;.-D2A50ZM>)7&\HQI)ZDJ16E9H[<74Y)LH
MH#E*<K5'QDGAB`;Q-[GLG(U;B00$H\G,("'J&;3$VB6125Q]+KP*YW++M];2
MZO$DB'I%:K*:;A!N+R2\Q32>ODR.1`"D-[RR2)`.W0$I#$,'@`F$#>IOPS;1
MV=6'624K9@_ZAY?NJ-4CMG*#E0Q5SJK`04$BI>][BYDRF`HF*3P]3@@VX$1,
M)!)Y%*'H'.95_P#+6,9>7%1:*(6GEWG=:HI<OL*/?192)^Z#L/'W#)`B9LN9
M4/3R%<`,4W/NF]?XOT\!]>0S51GYBZ_$OR@K;\M<$4Q)LV/LB(K+'(KY@IR@
MFGP80```>%#<?W`&8N1&*74E[P-5(DIFD66`NE4<J1MCIU@A;57Y%,PE79SU
M9DFLU"O$E"F+XF;R;%(__P![F/B12NJXOZBY^TR)SE;LJ,'1-:GZM%'H_3WY
M>NHNAMO[,H,+;4;O0X*Y5.[0SIS7=GZGMKA$K:ZQM-V%!J,K/6WU=N3-ZT7;
M%6,S<'0_G(*D'UV^1CX^>J3@I7.=?'Q/*VL_.V^_.=NY*$>ITIZR)9/XD=RZ
M[146U;MZ(W15VRA@BHG9Z"=+V5'1Y>#)-U[/7V;JCVYVB0/`7"\?!F5$0,<P
MF$39X#<.VMMN3DK#E"=76BX.IU/8._=SQDG==4HKBR#+3U4VE1A.K>]?V:!,
MF)@!\Z01DXQ90XD\C)342Z=1"A0$I@(/N>0E-ZESQNY;+N%A4LQ:.G[)WGM^
MY.F7<4?&K*7C];E]Q-(&A4%!.41YX3$I1Y$5/UB!3@7Z`8`,/Y!P`9S?*63#
M(=B,Y*WX5.DW[MF[C?FK"5RU3Z<"X>G:L4;((*OTC*$5]41,`F/R3T\D42I)
MK.3K"8I2E$@&,/T$1$`&W"Q?NP6/CMW,BO'F8-N[8NV;UV\DK$>$Y:47HY&5
M/KMU/90"L;?+W')KRJ(-WM<J[TI/"-,'!D9B;1.`E&53#D[=KQX-C<&/Y*_P
M=+[7[.>!>CNFX/S,[A1\EZM%]AR/O3OC\[;_`-)V:;=B/&;HFU3D7P2SE-DV
M57$PD-X#R?CRY#@0X]>0Y'.I^1:\U7^G^:EH]=/P./QG)W>IOWGHV>/'_-,V
M5!/J#JZ-45<`[L_8.`0BS(@8`$(.G7.8DA45(43D*"(IE`"^IC*<#]<SMGMV
MW>NW&O?=:OV%5]*,DHZ*IXN^CK5RGW?Z8E6_4(=M.NA@542#D1+N.E@J"JG@
M585`.D'CR(@'`9?RVXIQCPI^!,**2]9^T5GG3/&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`;2_
MC[1_(.2^/J'^D./^7*HQZI*)1<=+;:\"SWM3H"L[^UO,UV<`&DRFU64@)]L4
MA7T3)"3A!R144SB='S-P=,0X.7TRG==EP]\Q)X.5%4FJ*5-8T=53ZC*[=[FS
M^U-SCNV#.::DNN,73KB]*2\4JU]A^<S\D^B]Z5/9CK4&Q*Y.PT`5ZX?-I-9N
MLG%7MJU>*M6LI$+^0).HM`!*!RCR8JOH8`$,X/GQL]G9[L9-M^;5^7*:TISU
M]1]9[7"U\R,-SVR?F6NB/FQK5)Z/7VF/!OUICTFQ_<B%#"4#`(BV)SSY%X'T
M`"@`>OY^F:^Y\P:3\N<X^1X)_49R^4N2E16HT]11SW10(./MF\242@<``QT@
M+P4I?UD'@`\A-SZ>GIFUQ^^\64.F,O>IXFIR?E/D]?\`37'P(2W_`*Y&HT@S
MA9F1J"BYTRD*7D`,")5?(QOTB'DF'U$!`>?0<]=VMW-#=LA8\9-SHW[%3])X
M/OSL.YL&U3S+\%Y*:2T_:=:/UZ,QY#ZB(\`'(B/`?0/[`_NSI=Z*BU1<C@5Q
M))4\#YEDMC`&`,`8`]?P^OX?WX!44$S?R"YFS!JY>N3!Y$2;HG6,7CCDQ_$I
M@3+R''D;](8BKLII0CU(NV5TOS(Z37,E>'U4NZ<$-87Y6(F,0/V]H)%G!E3&
M*'M+._$[9L<0-Z@0%?'CD>,VMK;7DM2E[G*GCZ2WD:RUU):AJU48%<$H^*:`
MND;R^^?%(_='334(7]"CI,W@H<3%,;V^`*7T$`^N;ZSMMC'AT2C&3XU,:Y?4
M7TRXT^PJ=S/K.3F^V\2B)SI>'@`BH4A"E*7S$YN?'S`0,4?U'$!'](<!EVX0
MMQZ;:2B6ZQN>]0X*JHJR`@KY%('+9,I1'A7VR`'FD)1,D052AZB4P"(\^ALR
M[4(./4TNHAK3I_9.6J@07)68%.9-,?MTQ(/`"O[I1`2F(8A#<J#]2_I].`]/
M$`IO7+E7"KZ/`M0TN]*^'P.Q>(MBKN68BY2,C[R0@W]H2>"9RE%0P*I")%#J
M`8IC&$W(EY+^(9ILC6;@_A\#;V[,^E2@VE3D4^X0B2^X(,WBZI$_;$HNT`\?
M(0]SV^4_,IC"4>?4>.`]`\<L**BNF.D48]WJ\Q]3;E7F47*EBU%#HIPY@'GQ
M3X<*'-YFX_\`L::94Q#D.?01$,MSL3N:_LE"."I'.F;4Q1:E2)QY&,#4HF_4
M(&3#W%2"<3&+^'U$OJ'ISE,<6<=8Z%3;:H^![/\`_*Q]NG!J;NWI_8I<PJ4R
M9;[HUI&+J?J0K5O<-8'849'D,(!]JQLY(Y][?/)#R:HB`>6;.U'H2<=)<_6:
M7-Q.O5K2I[?ZC,`[8I`HL93^$.!'G\/[_IF#DQC"LHI*3U,>-N,4DEP17A3-
MR@=!TV3=-W@`4$A3!R0Y#>ARG0/Y$.40-Z@("`_VYA945<BNI5?ZC9X>1..0
M\?H4G->[T<O2>:[NYWGZ'Z8WT^HU62V].VZ,=NC[!<ZBB*Q):Q0L1%P^]K;"
M2MDDU9-[:Q.J`R*4(91FV4/XJ$][R`O#.\<KM/%OV\BVKL+\>452%Q\Z^)]V
M_(KY*?-GOO:Y7;%_;<3`N1AY:S9MS:C_`+WR[590MSX.,M94J7!=2^]/4BV;
M'J$/)5K9U.D;(+5"GVK;2]7=U)I:7)A%E#OG%<X;0TR^3_\`47+LOL`J8$BB
MFH8AAJ[1W7M++R5?VZS<5]_O+W/94S/G5_;+\\^S.W[N5/,V_==LM2E*Y;P/
MZMNS'X\CRG25ZW'ATQKTK5F>HBZ"XG40!82^7BJ`^22B(D+Y`'!Q\@#QXY#.
MR>3;Z^MQ7F>)\'5C<<W&-R4$_>7PRMOP:XT\2C+P[\81THGR(E2-]>0X$?0#
M%]?J`Y=?`NQIU+UGBO\`\U"]60UKT=KXJE,@^O&[;:\:B!SG<'@JK1XIH<R8
M`(&2]RRB0#>G`G$/7GTW6UPA&+DDE)U";G?FI:I(\K/2%B+CNYTZ]H>2E[8]
M?G``=R8B9_';M-.<2B41*<Q@*)A*;^'CCD0X#&="/3*B75TO[BJ&LEZS]E;/
M*&>,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`CS:^T:!I;7UEV?M*SQ=+H%3;-7=EM,TN#6)A6C
MV19Q2#N1=&_EM6GWS](IU3B":8&\CB4H"(7+-N5VZK</B;%8K6>L3><J-)^,
M(\9&(M'.VQ5DET3)*IN&ZQ`.W7150.JBL@N!BF(<IA`Q1`0'@<RH.6+D0C-N
MJDGQ\-6:K(MJ4_,C)PM>CQY*G@W1/T,\Y7S#:RF[2]U_6O\`#N`M$7%$<3,+
M:$%E6%@KDE*NTFCZ$=+`19!]"V`OMG*)P3,BLD(\CR'/./FUVON7>6VP6U."
MSW>DXRGP4:<*^'AZ3[!_M.GM]NYG0NW^G<JTEB17NW[*3G*[!\(SA3CZ*<SS
M';`VUJ36DD[@+8P3K$XP,HBXB9)O[+CE$YT5#IE.`D<(F43'Q.!A`P>OIGQW
M<^7W>&%G/#R%<G?MMUG%OI^G@?=>9E]H[7A1R-QZ(1O).W6:JXKE_B7[7.A9
M?>^U&E&RRSR.^V>')SP"":!3<%$>``1_603$Y]!X$,]SL_R_[EO.-N2G[VG,
MYMNWS#^6^'&=<JWYD57IHN7\1CC[8]D(?9]>:0$(@1%%,YC"'ME)[B9C?H4`
M``!Y13#@1Y'D1].,[9\O>RLGMW)O9&=.4KU'%)\JTX?4?+'SL^:NP=S;7;VG
M:(PZ/,C)N*6O2I+7QXF.<<ZRY.3U=3Y1NRZI]2TB?,@MC`&`,`U%*8X@4H"8
MPB```?7D<$%<5^*9"X;*.6A'Y@$1.W7$X-Q'\/>]HY#^)/K^7IZ^F9./&,I4
MDJEVRE).I.T8J=N@LV9H(QJ)_$I$&3=LF1180*5,@^)!`Q$5BB8!#CDQ>1'@
M<]%C6K<85C%+V%G(;A)=#IIR.[:@J!E5%`3`"',(<!R<?>Y2$4P'D$E!)SQX
ME`?7GCZ"&?;C%JK2JC'ZI2U;;9WS4GOI+B9,?:(B0IQ$/$14`WVO"A1$>%2^
M1Q$`X-Y$]>,O%+C&3K))LW6S,@&36#VA.B@NZ,@)3E.B?S%!)0IBE*H9/DY.
M!\>1'D/0/7`225%HC<:)D!=(ZATS$3(LZ\@,H)#`@D(F,00,!B_K1$"?J'U'
MUYS,L_TR'Q.\K22KJ035_0*B:IU``/%3Q,F8SDPB`^:?F7P$W'\/`"'IE%]+
MI<N="NQ&+NZI'$<OA8+K)RD(+03@'#M,7D@P7$3`G[YG*9P=,#@0#'/[I`3#
MD!$1#US17'6;;-O&4HQI%M)&RD!797*S,C!T4YQ5%=NX*Y2`"<%$"K@J)"(>
M1@`#`/)_/]/H.39L2N3KR\#`O.MQM^)O,H]/])UD&P+&*91-9,@IE;N!-Y$\
M?=.<GMG\0((F_,1S8="C[M%5%HU+`1<BB"HB"(`?W@5)X@FIYEX/P7A01()>
M#>OJ3GCZY5TQ\"AMU+N?C1[`N>IW>_0.U'+H(ZLGNB6OK^(JF2;J:^V.'],S
MR[HP\B9"&,_1DO7DODP(/IZ"%A\64Y->E5\/P/U;:DX"/A&1Q`@G.DF43%X'
MR,0OZE2FY_453D!`>?4,M9,8N*JD:2RW*Y+JU57]YA6^;_Y+X7JAJ2-T+3ML
MFU9N+<M<LLC,VZ%AW5KMVN=8(-'L:F\@(A@Z:FCK3L:Q(J0\6[7512:(I.G/
MF4Q4SYS[NK<;D)V=HQ)RA<N2?\Q.DDEK%U6OO/W3N7R4[8Q[KRN^=RQ7E8FV
M3MJ%AKIAD7I2]YT>CMV%[\XO^KPU/&5H&V71S6=.V_86P*]?J@]L-ACJEJF3
MOCZ=GF"#::*ZM)GM4BG3>3HL):)14Y?N4U"/'BJ@*%$0$AAX_P!S[;D8FV6,
MS*;R,2.316>,O31>EGZF_P!O_?\`LV^]TY^W;-<_T[>KV-!O.=B$(.=S2RH7
MK];,[N/_`,*<?+BC)Q;+P\UGJ':4NG*Q]5H#E>(DK%KXT^*:RA'\FLSKR,/'
M3LBI8+*YJSDQ4S*F!19-!5,R@@43"'DL..ZK"NY.!*>+B*2ICS=+L=>-/1Q/
MI_N;>^T>VMT[>W[ONQD;KO\`9V[+CC[CY,)Q;A'^?"Y=QK/Y:Q;R8-*$8*DK
MM>9Z-?@[[Q[$[!:?M&L]K+SMO3UI:%*MI??3R)D(J,W5KMI$-9=C!2)Y4X.4
M]DTJ,<`*R2PBN[BQ35,=11%<X_0':N??S<!8^3D2N3C_`+QQ?5+UR?ZS\2O[
MBNR\+8N\+7<>#B+!Q-[A>R9X?FISQU&34>J*>D+CUM*E.FM#.';RBY@W::8<
MF$O'C]!,']@!SGK'P/GB'QKUH\-O^;(ECMMO=&Z.D=/W8O3>V[.Z;^9"@F2<
MN]8B4%1*<`\15+`'`1.`@()^GJ&;K;'_`"Y>C]`7]*<U\?72OHKP/-WTA*9+
MNGU!4]!*KVKZ[-0*7Q%4OM;>I9U%C%*GY&_3XE$>./41].<O9"3LS;X]#^XF
M.DEZS]D'/'&>,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`Q$?/=Y?\`<Z_('X\^7^`<MQQ__78'
M_6']GXY=L>;YT?)_JUT*+G]-^H\D/P3?YB8W6UA5NG_>RU2KW0C-,L7J7?+Y
M22EY;5(B4P-:9L--,'3V5UT!R>VQ?$\UX?R!-0%&X%%'8WHPRX];HLF%*KQY
M:^PQ[,YJ[%0:ZG))*3I%MNB3;T2;=*\N)Z/;9L.:[;VR[;5H\@I<-'MFC9E3
M(>$31*S?Q:#?W@M'[N90KA7]Q4'[A,B)``B()"(\B.8=Z*RK7EKX(?5]*GZ#
M_+_MWMSY-=O[;M^[_D['?FY/K61)RDHV[O\`,5E+X7!QJG/@ZT/(_P#.!UGM
M+>@,-\M8Y8[>FSBD-+31!`[A>`EW0IIEDS)\`52*?@F0QS^H^[SZ`.>2E:R8
MY_1*VORK3ZG3BTM*^.IZ#^X[:^V[_;-K?.VI*UN]J]YOY=2G).+ATW9VHOW8
M6VJRZ515/+,>>153_6JJ8QA`QA,8`'D?7U`3^@\#FQA6W_3]VGAH?GU/.E>Q
M^JXW/JDVZNM*\%KR*8F5T7")CI@/GY!^H1`?T^OTX$1#G,BS*4KKE)MR:U-5
MERLRM)0C%-/P11^91A#`&`,`8!V,6B95R`%#D2%$W^H!^GY#DHID2)7"&,8R
M8@)3JB)/7^(!(<I!`.!Y$YQ/Z>OJ`<?01R[9;5Y>!<M_`R9UB*I@U((B)G1$
M)!N0RA0\OMT!8*&\TQ*'LF]LYP$2^H&Y`1X`<]1'3I2X4,)MMNK;*N3BD@BA
M74/_`"S/?T"7GVC"@T+P=4`(/MB7[@0`!$!'C@0YS9))<`=JB9$L6NLDF;_>
M739H54ZQ2.`*U2=JJD`_\P$P.<4S"/B(@/J//T$#BIE,@W?+$7(J@=-JW-ZB
M<_N'<*.%2D!$H``N/M?3CT\2#QQ]<`VT#$2(LJ/(^*'\LP"H!2>\X03`H"<1
M/X>U[@!^9Q_`.<R[/]/VE+XE;49FD<)A=54&Y6D*_6Y*/*OD<@-$`#GCS]]9
MV4!]?+QYXRS>;ZVN1<L?U/IX':E4(J*CM0B0"F@^.J;Q,@FK_NZK8YT@*K[P
MBCR`"4QA`X>(AP''..X0?)?49%V4E<:3="EOM`AWB[ADR:MUC/`)+(()I%2=
M)I`9`&JO@FFF=(43&,00$P")@.'\("-KX7[NGJ+=6]7Q-+UN#10Y05,NV<%!
M9N(B8Y3)B)BF*<1X`JB!RBF8@\`4Y1'Z"&7DVU5\2DZ]1<IN5A3.H`I^PX`?
MX?+R$@+>11]"+%_0?UX`_''`B`Y44/B<!VD*[<>3>"C8@D`R13)J&;J"<J2@
MG]2\,C"(`8`Y'T-QP4>(:7AJ7,>*F_>55Z?6?J:?$AO]YVQ^/CK%MYX[+.V9
M/7;>C7P%'`%54V)K)12ESY)`YS'.FO+*PZ3XQAX'Q>E'@0X$=9EY,8Z<ZFHO
M8K6;2&D6^6A:-\AWPTZR[M)V:_*2O]+=H;7&HL7E_DCN)&`L9X83/(&K2J+P
M%UJ?",$B!&,G,44JC5B<"K(N./,OG,[9<?/QO-4EYRX/FJ.NCXJCX':>S/FA
ME]JR6W9UJ.;VLU'S[*71<A/G>B^,IVEK&WXZI'BF>=3MT]<.V<YK2$JMUIVW
MZ/LJ*?U_4P1+^PVR.J4*@_LCS88V]BW+%+P55CXU!8CXJ8IN2J@H40`OKS/N
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MR;DHXZ5+5B%:T5KE%:+DBYF(3<3T,T>R"`M%EV2:CQH0YN$G'B)ECI!R)OME
M3ARGSR8H#XCZ@.7.K\NNBYJWIJ>9>+*,:ZU2/STO\TG:G\O\G57K*BRR\71N
MJNJ4HMH<Y500/8+5?)N323*<>04<+N"&$HB(F-^/`!QOMLKY+KQU,3E3E^)A
MIZ7`4.[73E$R9TSMNSW79,Q0XY2<EV]4SN2&]`'VBJ*"7@>1#@``1XYR]?\`
MZ$_\#^XF/Q+UG[%F>-,\8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!B;^=1_%1GQ%]\WTY%&FX=
M#1LB,E%D=&8JO&9YZ!27(@[*13[=P1,XF3,)1*"A0Y#CG+V//R[T9KDRBXJP
M:/R39^E,%8E>U4.25LU)][_>VRR14[-53G$?%C98],O*(`(^)7*8BV5`H&`>
M?0-KYD+M8124Y<Z*I@U>BC#S&VETTK52='IZ$VUZC,Q\-/RW2/1G:4=KG?4Y
M9)WJO;FSBN2"Z2JTDZU:M+D]AM.LXU5<Y)&IH*JB9TU(`J-4OYB!?XDS8-O$
M2R:2=+5)-^Q-G9,3YM;O_P"F;';6_I9F'B9<+N)D7?Z^/"U)*5IRE[\K;58J
M#?2JU2T/3=VPTS7NUG3S=H:VO55MM&G:E*RU>=13A>7;W6/<QQU8V=BGB!C,
M2H-2`D8IC`<2G`0-Q^&FWNW:RL"W=QIM2M34G1M5475ITXZ<:GWU@;YL&Z_E
M]F[AVR[?M]P;5*U9R4JPM2G::MQ7[O5.D52FO`_-/EX]W"R4E$ODE$7T5(.X
MYVDN'"J;AFX4;+$4Y]1.!TQRNU>C=4=%[RZOK/S!W+;+VS;GE[9EJ4,K'OSL
MRBZZ2MS:?_9H=4=0QR"41]!#T_OS(22>B-7>^#VG6B'`B'Y"(?ZLDL'S!(P!
M@#`*TI3(CF7,1;@R*;-RLJ4#>`G$A0*BF!OJ`J+F*7T^@"(_AF3BI.ZD]44-
MU*EB_-%XB@'("F].BD<O\9U#*A_]DX\CG(8?01#TR[!+\^DN!=MUZ'Z_P+AG
M(M%TFLAX?[NQ4*D!N4Q*BP5`K1$#!Q[!%$BII&.8!$WD8W'Y9[/(QU/&C**H
MTN6A@<9,[1VH5*)B70@9,#E>*MP*(JJ%32!N14OB8IQ43$1$?("\D]>!]1XO
M*WY=A)\:$\S@`HHZ2:D.B*!S/G2AEP\BE*B@@S02.HNF8>!/YF-S^L.1`!`/
M+D,2VZK7Q)1R5Q%.+`?$@IJ.E#@9-,Q@*#4A`()C>7@F)A5'D>3!Q]!]<N`Z
M<729$EBF.4PJBDH3D1("@(BH8WCP3S.!55!,'Z@*`A_8`9-6N#8*[K,@1K$3
M?F'@HJ1FQ(OP<5%!*<)!;^:I[I2E*5B01]0$_EQP'`9#U]9<LWXPN=#6ISSB
M=!JR<)K&%&12!1NL0?<Y*04CG:^``;P%$")J#Z%\BF]>1+D%V])3NN2X,V!?
M`\2`2^1G#0J3=T02@H*C4I4D6:P!SR<42D*D;D@@!?`1-_%D4+1U@+IK)+I*
MJ_\`3.%C,!*;DHO"BFW42,8?4J+L2%(7D`X4*7D`+R.56/ZK7(DZTBI#I(F5
M()A*94JR(E+Y&34'V3)?S0*1-9,Y/TG-QXF`!#URN?QOPJ6WQ.,\*Z:E251\
M0(V4(Y0.')?<;G+X$542**@F$X$]2B;GCDHYBMNK]9<6BT/85_E6^V/[7)[Y
MZ>3;Y4J,@O%;^UBR6='`ON))L*;M>%8(&-XE%'B#DA`G)A3*JIQP4PYKY*+D
MZI/5F/E:*O,]L$RU16D8YRJ`%(#UJJ!..#@JL(%*<?3CW"!^/US7\*I:(R(I
M:2_:;ZJ\^JGQ>NG/B>17YC[;>U_E&J>M:2V;DGI'4%$K\='U>J.4[C::Y+)S
M,VH^E+>W53/(LG$NY7C0B/$@HM6GD83`;TXW\PL/)W'=+%K:;DX[PUY;A&32
M?I:357Z6?I/_`&0;WM_;_:V[7>X\;$M=EQNSO2R,OINV;<[33G*,6G*$H6WY
MB:HU/WD^K4A#X^Y2$@/DHZD5VM51&KWA':&U:ML*WO'@/D+)09RG327]/%@%
MTG*%;FH9ZR]HCYLJBL8Q_$0*)O7QOR_S+>%O%G;[5J=C)LW+RG<E7INQY6X+
M]Y?6?1']Z6R[KOGRVW7O#)W:&=VSD[=@?E<-04+F/*VZW,CS$E*Y8O-]4$VU
MSI4]XBJ#E(`3(DD*(%-P)_$/#D?4O`AR//U],^C8RAPCP]!^,45T?#IK7334
MC&R_<LW%;1;O73(7<F=L=PS6%$_ZCG<%34((&371,("`D.!BCS].?7*FE)UE
MJ)2ETO5\#\X/_,A6`9KY=]J-%2MCFIFCM"0;T[85`]Y;^E'=M4.<%1,9)1P:
MPIE#U'Q#T#D.,V^%51:-=H8QNBQ#N>ZG4#@#*";M1H`Q4DBJ**K".VZFN90I
M`,4GBGXF,81]"\"/&9-[^C/_``/[F3'XEZS]BS/&F>,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`Q"?/F=-/X<?D%.JG[J8:#E?-/D0$Y1GX`#``@`\&X'T'\!RNW3K5=44SJXN
MG$_(DAIJ7J3YI:*A*JM5T.45_!,IS%26X!Q'RC`_N(23%8H"!B'*9,>>?00`
M0SNI6_?\#`BVG6.C*\2;P>RDSNZHS3@[NF*KJ2IR2A4HF>`H>ZJ^IIE1$Z+X
M2\F5CQ-R'/*7D'TJMY,)3I<^#F5ISD]'[]'3G[->3>C^LR5?&E\EEMZ56U'7
MVR5IZW]9[&O(Q%GIH*><M05)A,S9[8*L1WY'(BV64,H\C?(B*WCYI^"@#YX=
MW;<64IWTVDK<Z+E5I\N!V[Y??.[NGM7!M]LY%RSE;6[]IX\LAT>'>C-2K;EQ
ME"--56B1CA[Y1^MV_:#:TQJ*8)8-;VFQ'M%8E4410142GDBR#IH)#%*/N-G2
MQ^>`X`.`^H#FGVJQ<AAJ>1I<JU'U%KYY9FW;C\R]PW7:;MJ]@9LH7G*W3I=]
MVXJ\U3@G*KHN;+-1_'-B<?O?![3@F_B-_P"D/_EP6%P-."1@#`&`2-00$DN4
MBA?+W$%3>'IY&]HAS`("/_-,//&9V#_61:N_T9>.AW*Z16<VL@;S(!'9CE`Q
M.3CRX%8WD4#&$/`I@Y'G_DR]+_J7XU)5?+AZB<:+]K*Q8LUS&]LC-X=<0.0I
M@;I,_>#R]!$RHCQY&X\0*/\`9GI]O3OX]W'J_AJ69:,X[B3%ZUKJ:8G(O]J[
M&12*"8)G>N%G":A!+X<B8@I<>@@`#QP'(99C-NW&#;]U4^TH.9[RIA8`5T<O
M^ZNCJ)^!P(L"CU8/<.!#\\*)MR@/\7T`..<D&MX]1(V8I)&2_F(.55#$3'W"
MF66\2E,994`$PD0$!(`B)./3\<58*?54,F)5$C`(&(J0IOU?I2Y,D4GD8")^
M0&`HB`?7UQ5@D&"75"`22`ODJ[?NG9Q*9(O*:*:39+W"\G$WJ4X%]/S]>0R_
M#X5XERPEYE?IP.QB')46Y(ATJ"<;(JF!BNN<"IL)5%,BYC>X!%5!;G1.<.!Y
M$WF8``/$@C;G\1?NT\QT-*_GPZ\_=9JIBLB"/CY.'0G$J#IJ9;Q-[296ZBAS
MF]/+CQ`?4!RG4F:_DI\SJWI3BBD94X`B[;>;8Y14`A0(0B"B?)0`P.D2G+R4
MQ0$PCR`"'KE^/!%+_P"GCXT..53W.%B%$``X)NN/;(03G.84E"`7Q$QW1"CY
MD,`?K((_4WK48R^%',<)>3=1N<X&`OF9`H?RC'04*`.$@*;U.)1*!RB;@0]0
M`,Q<GX2ZN!?/\4O8+_AA[^]7=FO'AXZ!_P`3&%!NBBBBB2!*9LXHZ_GEW9C<
M)E19(V!-V<1$O_JQ1$0X'B(I41-$^)^K]:O^AKPF$J9E56S<3EX\/>362`WZ
MBB(>)A-Z#R/I^(YYZ7Q/ULJQ%7&E7Q9Y-_ED3@;G\@]HL,%(*,;SJRH:OU]&
MMV+:3%_*.PA9BTRLJ69;J$29&@E[&SCDVI.5W'F8W(>`B;B_S!=F_GJY:R[]
MO<;%/+\I:MOQ:U/U_P#['NV,S:/EHMTWK;\>_P!N;I=W"]<R+\X.S9<+D<>U
MCRLR3K9G:MY.1*37PQH]$8CKE.2NJIT]CCXV\TWL73]K1,Q&22#A>.&.ATV9
M'DG$2E>701D_WMU*BBX1,'D1=$WMJ%]0\N7;9N4=GS+EK,AE6=\L9>JDJ\>+
MUX'UMW]M5OO;`Q<VQD[-NGR@EM$X=$+5N:E>5YQL7+%Z$NF5NS&JZ/A]![]^
MH782-[0]=M<[C9NXYX\GX5-G;D8M0ZC2/O4,'V%L9(^?BH@0)-(5DTC%*9-%
M8G(!GT_LNY8>=@K,B_B/P0^8':&?V9WIN';N18E;A8RI^3YM4WBS]['EZ6X<
M^;)9O102BH=^02E,SL#%0#*#Y%`7'^[AY&^H%Y4Y'^S-RN)X6Y_3E_A?W'Y=
M_P`V=P+=?EH[YRQ5A53B=I5JA,C\@4I6E"UU4(!PV_483%*$DT$I?P_0/K]<
MVV'\/T\#$FU&S"3\46O=%%2H]T.I"Z?D58W:#KPW!5/QY(=SMJI?<`03%.8`
M3;IF((@/`>X/TY#,B_\`T9_X']Q4LB$FHI<6?L39XXS!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@&)/YWSQ:?Q`]^S32#IQ$_X#RH/TF)B%>"W-.P13F;"J()BLEY>10,(`(EX
MY#*H>7U+S?Z?,HN1G.#C:_J<C\@B=K[RLBWDHXQGL'(H&7C)4JI54W#%40!)
MF^(GYI-WA/$0.D;@P'`1#\\R_,N6O?M_T%Q]7^TQ[<X7YI7=+]OA]QU!2*&(
M21BE5VZK99!P;VU#IOF3LABJ)N&JI3`JB4.`$J@"!B_@/XY1<M^9'S_`OW-(
M.G$N,B[!7MUQZ45/JL:SMIF1NUC;)[16M?V**:1TT(^Q'()6\5:1#T3>"4J+
MD?TG$#\<Y,/Z7T\3":5-40Q;JZ]C#OZ]88]U&2#57VEV#M,Z3IJ\`1!%;Q4#
MD"F$.>0Y*)0]!RQ>7N>TNV'_`#*>AD!NVRK191!?Q\R',7DOJ4_B/'D'U]!_
MY,Q"_>^#VG6J$\>3<\\F^G'Y\C^>#'3Y&UD%0P!@#`*\JJI6TNP,<1\3\HF$
M/KXJ)G2,`?7D3>?_`"9EX?\`U,2T5S-H@5^U=$`1$6IB+>1`)X.#`H)%#>@`
M8@MA3#Z?7,[)_JMD%;T.3,Q))`42$]UJFV`OF``(KN693&\#\@/DFB8IA$0`
MJ8C^69^TO^:]2U?_`*/^8XDF\38OWK0JA5`*JHNWY*5,0!PH91Q[8@02G*=<
MPG\@$?4XASQSE5V_Y5V2Y5+T+'F6XR]!I))`8&ZW/B!D%$2I"<YA.`K.3E,5
M(`\3<^G!0``#G^_F]9N>;#J]);N6_+ETG>N"^^#!0$_5)HB4QQ*42*B=158Q
MN`\CE+X>(FX^H_Z>;I;-I8@H&(DN!^4T4UR@!BAYI'$P%-Z%$"E,"H"`?A@%
M7H@9)NQ8I&]D6[,Q"^*8_J65.LY,03&./B/BL4.0#U'@<VF-_17M^\'.=H-U
MHYNFHJ8@F0=*J&((\>8JHHMA-[9/(J@BCY`;\!X'+=W&ZYN?B*FVS5"026!^
MB09!DLDBL8@J&3<,03\6[X40\B@LBH":9A#D1$>/0"Y8MWE9O.UX,RY?]/'U
M?B<]$B:A/LE1.G]VH'@JKXF32?@($2`%/X44ED_Y9Q`I@`#`(B`%'+MR75-R
M\68L?A1U?Z&RI5.0%,0%!V//KX#ZG`#>!2%,V$H#P'(@<OX\902`6]OP3.J)
M5"D'^:("":I^/-)0AQ$WD4?TF#]0"!N`$/J&07$:"H<^\*1U6P.4Q]KV5E2*
M-G1.1,FFJ!P,D=-0?(AN0$G)1`P<!F-E?"J%>+\1^KQ\='9$>X'QY=1-[NY`
MKVT66G5RLWHX&\SMME4596DWA)R`''P<N;!7EG`^7B<R:Q#B'ZP$?,YBIF)(
MS\6E>'-GGE[<+QMS[2]O[^66:5R2K.Q[1$U\BRDH^>VN3C;*6`=NF2Z:?MPD
ME"Q[1$A?,Y4RH-2BF/F839P#O#\HMPSL[\QY&985;7_C7?!>H_=+^VO"R^V_
ME%V;VU<P,G>=BWZU*YE32LVK.%8O697+5J5INN19R'5-\:M^)CKD9Y.V.KYL
M:\7^UEVM'*PDU1)9RBK8EK3;HF58D.E/3QS*OV'[=$M2+,W!P.0YT`3^GH/+
M?SL\O/R-QSLC)6X^1&[YC6E[7CJ?1G<':SVK8]K[)[/V#;U\NG:R,?*A9G^6
M>!C7;-YQN6K#K9J\BJ:KU(SJ?Y?'L#),YK9VCK78XAXEMJ=LFT*C#_N;<)J-
MNM2)%CL-%Y$D21!@PML/,-'C,4"^PJ:,<E*4@I"7.W_+K=%.Y?L9MY7IWIU7
MH/R\_O:^6]FWB;9W-M.'DV5M"LX=ZZ[3\J>)-S6%'SJ^]*S*W.TZZOS-6>FZ
M_B1S452`(@+:58D4-P(^(B_;#Y<?V@;CC\/^3.RKB?G'+X7ZC\C?NY<G&P^\
M_=:\`L5P,_VJW@L51,WN)*MFNPI]@T%$B@&X$K=B0/U<E$`]./IFWQ.!@'>]
M(B`3N;T[:G\R@EVAZ^N3F!,/:]]YMFGN"`*A">11!D5$O'K^KGRX]1S(O.EF
M;_@?W,F-.I5X5/V'\\:9XP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P#$)\^?I\./R"B)1.`:#E1
M$I?KP$]`"(AZA]`]<NV(>9=C#Q8/R2JW:#IUU[#R;=>8K1EB&GX0AE4A.W.`
MI,IUFL0JGM/HU0_)RAS[I">(\^F>@<OS&).BKY:7WHUU_2ZI/1%+V:LR-*7;
MR#1R25KTJ0YX>PLTW(0\XV_08S1!9P@B"CEJ8XIJD`/),Q!Y#ZYJG<\I=97:
M_J(Z5$B*J1G+8.$#^7W"2@^1FQP#D1/^`IE-_"/Y<!D*UUR_,<S)O?TV3*VN
MB&P(EA5+PLB6=8H%8U"_/AX?)D3`J:=;L[XWD>2BS$+PW<KF%9L/!?+Q'+L/
MBISH8]G^I["WBW5Y['O7,=(-19RT<L9NX1.)?X@Y.)2F*(D.FKSY$,'H(9@W
MOZGH+][X?:1JN40#@0$!*?@0$/H(<@//]V6F8\>)Q<@K&`,`WD?4W@`<F-QX
MA^?'//KDHIEXE2-N0;HJ@(@H@Y(IR'KX>*8#Y%$/41_7Q^&9.-\?U%#)A?')
M*MSNA+XIF`6[@H?[!R@4B8%$WZQ']``(CS^D./PS=.SYMNJXHA:NB.K8G-$N
MY!,#E]HRZ:Y#IB)A*"+H`*4O)1Y(;WO7T]<P+$%;R%'THOP_IOU_@5S96?W\
M,>PLP$RK`B!'_P!#"=!=PDW-YB3]8&35]2")"E`.?7-MN=FN+&_X*ABPY^O\
M"E(^0*;[`H%`!2:$1.`B(E$P)J'$#`8IB\"4?RS7X][SG&7@J&4OZ+\24T&!
ME2$2,F8#';MV_'B3W5"`T1*C[9P,4$A,;U\2@//IZ_7/1V;"NP4C`7/UG761
MD5B+<!,(>\T9BL=7^64AER$!-)/]13"5`IBB`\G$I1RU=AY<NGD2:X-\N[=N
M_N#$,DV`2G]XAQ.`"F0H@)A$0$?T%X]?PR]M^MZ=-?\`8BNZOY*^G,JERT3]
M`\%?8100\?:\A-RJ!')B^!3\'4$YS`'TY*7,^'P_7]Y8M_`CBOTG$:6-D6I@
M\V8.5'21?<*+M@Z74%PD<0*F!E#M42&(`<\B7\_4,2ZOYC9DQ^%':.6X#XK(
M@=1LIX.6@^**?*3@X`'@9(QA$2B`E4]0,(AZ_7G,JVUT+U%N7%G%=I+'(5T/
MN&$Q/MU^2DY17X.83F#A3Q]]O^HOT\C%,'X#F+-/K?K)Y'3NFRJY#D`@^\U1
M$Q"AXAYM_;,HL0!].3H#^H`X`.##E`.3%J`)DR&.4"K""?(A^H!'D$S_`%']
M*0^AQ-_"3GU#,=K4NK@>VG_*N]GC.]6=H.H5B<@<NN;G2>Q^OXY55-`$8*U2
M32B[.8-/<.`E31GHR+>B4`\0-(*'$?4<T.[1:?5PTH]/J_'ZS<;6Z-^TAV83
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MI<SWF3$FW>:\OSTBQ%$8PKJ=;*E$>%&+$HR22Y3@''@HW0`P"'/'.?6>/2-V
MVN7EO[C\`\BUDV$K.3_U5I)-_8_Q7K/QMUIS^K;3=+,Y.+@;1?KO;79B'!5=
M1"?M$I..3"!0#@_LN1,`B/EQSZ>N;K"X+V&&7.](W:KKNQU!464$14[6Z`4$
M/X0`X[:J/NI$4.<G\M(Q@X]?4.``.<SLA5L3_P`$ON9"=))^E'[&&>&-B,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`Q0_.8_8QGQ(][WDHF56.)HZ12>D.4IB"V=3T$T6$Y3`8
M!(4BXB/ISP'IZY?Q9=.1&7I*9QZXN+YGY#(L34VW.862%4\8HNJW.KP)$WL,
M]-XMG*?D('.4$C%,(#]1*/'X9N=NS(X65Y$OZ5YM/V_K,*<5FQ=MU]S5>S7\
M#M22"-76D]>VL2N*/)N4W4;)OSOW/]'+N52F)8(EJV6.4$UB_I<%`O!N/(0$
M0$!MY^$\'(5J\TZU<.?'C]A:Q;KR;JR'Q6GJIXE%O8R9H5C69KI^\@<".FB[
MQ$X-9J'><^P[;(J^9BMWB!@,GZ"9(3!Z>F6(7?)EYBY?B9]YKRVJG%EE&:R0
MO(OW$F2GN%6:K<&5:+!ZG2%0/0Z9B^I3>G(>HA^&5W(1<//;75^DPV=:]FW-
MB8)_>J*N92`13!-PJH90Z\4AP1!)4RACG5,P)Z%_(O`?3,=P5WW=`=-:ZV<K
M1*?8H"#5RB@=TF00\$O/R(#A,OY*'*/D`?0?]&6KUAVX]27,J7I(O_M#Z#]!
M_/,0N#`&`<Z/3,=;R#C](>O/Y&Y#_P`V2DWP*9%91+7S;+DY+XIE]XH`8.0]
M>!`H?B/(AF3835:E%&^";*VKJJ0216+PA3MEU$RJ&4*/I[A?4Q1*("50H&Y#
MC-GA7O+O>4].HF+\I.^OB6GUG)7CE%5CLE#&.[3`YD%2")TWC1R40(`"`\F!
M,QP\@'_FAQE=[$5NY*]I5AI:7.<M2M*-((.8^2AY("J(+LFZ1A4.F0#))OFH
MC[RABB8O!3CP(\\?A],OX>2\EO#GI&E:O1%J[\"?\1'[I%2`EC,3\F!NKY-Q
M/P8%$"&4!LJ81#@PBW,`&`?7DO\`;FM4/*R'!Z49E7VI2CTT?N+AJ7!027WB
M@J+`V,<J"(DX%98ON-T41'P`@>)Q`J?J(<\`'Y`.>PVG2VV]#$EQ-G8C8B3%
M)V1%,"?MT:J'D4/T"JU3,*?GY\<%_2)>"%^H?7C,/<$_)DZ::DVG2[]/`CZE
MOO.072,*@&,FBH81$3@/\@@FY,8/$W(<AS^>8NPY#MW91Y%S,U542\U0!0%!
M!51$3J"H0>4B&,``<J)O$2']LYR`)1Y+SQ_KST/4Y/J?$P[?P(Y#UK[#OV%!
M5X;-4D%/^B3'VA(B(GX,`B4?<5.``43<_3@`XRQDIN&ADQ^$X;-N1HH:",)3
M*_;'EH8/Y:1BLE#*$<Q:1C\`<Y"$!4@'`3%%0I0Y`>0Q,:,E*K32]11D:P5-
M3?%!(2@14%2HK$.@Y%+R$4U%.3)NO4P&\FAE`,4.1\@`Q?\`:$0V1;A\*]1T
M*S=?[@R;@H_=LU#<"4IU"B)!`I3IE$OB(+$$/^C,!1)_Z7IA23ZGIS+AQA3`
MBB+EN!@;K$4.7Q*!>#E\DUVJH")C%*@</T@`&,)#`(CZB.6_0RX9,/BD[/J=
M6>Z>L=@/'XL:Q=X*XZ,V"=5<C=O_`$UM2"<0T`\="8`(5*&N[2'=&.?T*"'D
M/H(\Z#N6WEW-GR,KJU4>NGATZ*O@>M[*M8U[NK"M92K@W<['@U_S)=,OJXOP
MYF86KO6FQ*<<`"9D=KVV]N6[XZ:L,2$E3OG,5&Q,6QCD$&1H^:;RYC)+&,<K
M4I0+XB`^7/R(V]YVEV;_`+N]W\FJE+1./)U?+T\#^C3:\'</EUEQN961MV+\
MK=LV"W*,90O?FL=V5?N7IRN.4U*T[#M)VUK6+5-"G;7'6)%-IU]EM>U6L;%K
MNS)5I(7%S]LPN"TC8UVT&-5L<Q]RK#*UF"DSE435`/;0`1.`^(<CX[*EDNW'
MMG+QL/\`URSETZFDE66GEM\%#71O3TF^VG+V&.1F?/[:^X<O<?E_N?;5B5O`
MM1E=PU;L?SEE8\%TW%=O6?=<>GJZUTTKH4/:-:V2:M4/U]@==0AMNTJQ72MS
M$C59<DE(WQ^=W]^BQ66,L2&=?TZU8+I-5VZO^\H&`I0Y`H&R,G'S^N';&/BV
M7GX]^=NY-2BU<<4WT)\)1CQBTVGR*L#?.V,?9,GY[9.\W;GR\WC&PLBQCYEC
MR;6'CJ$K3N1C).XGDR=9U2HW1T9[%].]A8R[_%U;=T,73TJ]7Z?[6;3@S(H?
MN;&WZAUS/P5A;R8E#];HTC!@L10Y0,=-0G(>0B&?57:NZRW78,3,7]-2C"?I
ME;AT'\]7S[[/W#LOYH[UV_F2MS7^H7[EN<(TMRQLB;R<=P7[O1.BEP\#\I*D
M^ZA3HM<?^D>M&H>)3@H"A2(H+.@7%0?!`WN&(7Q'@WD;Z\`.=1L_]/!>DXH7
ML]%!3+W1ZCO1*BY!MVDZ_IE!4B:Y3N'NVZHDF"O*Y2_R2>XJ`<"/D0H\>@95
MD:V)_P""7W,)M--<:H_8BSPQL1@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@&('Y]RB?X;OD'*'U
M'04K_9])^`$?H(>G`97;75-+C4IFZ1J?DS.P-?-9LK"@B=>S:X62B;`8"&%P
M]KKLYS1LDKY"(B=H8OMB/IXE*;T#,]]2TUK4QL>;M7HSX<?M3133L?ZEJIB+
M&!:2KR:::_!S?[S$.1)X&4,/B8ZC(2>(A^0!P/KFVOQ>9BJ\U_,MI47/PX<>
M&IC*"LW)]/"XSIXITG-1IZR^,09)I[YJU+J%>O7RGMDY1KI?;,**3(1\CI&$
MOZ/X0]``,U%5PYE1'`.5&ZCM);W"@H8R#Y)3S(<%$A$H@HF8`$BB9BB'`AS_
M`'Y:O?![25Q.H;N19/15Y'VS"9%3R#_I$%N"'*/TY`2_^3,1S=OWDJLEDE5Z
M7;BW"+=#XD4350*H;Q$AD3B8YB>8^0%-X?3^P,W.)-9"\M^%2",KE6UH-\51
M-+B.>>2C(X>OB7D1%,X?4IORY^H9A9=CRW5>-"N+7M*,S"J5C`.YAD@446\A
M$O@EYA]/42\^GK_?F1C\66YE65X2`Z%$P?QDX`WH(@/X`!?J/D;CZ9DII329
M<MW)6X2I76GXE8.VJ[.0]\$^2MUT1,!RJ(B0R94D"G'@W/Z2I\CZ@'(YEWK'
M7*%ZCK%-?:8UN<KLG5:U._B0,_%DW04^WE&;HI6"ZA2E(!E?Y"B*Y1,(&;N$
MRASZ&X'@WCR'IDQIDKWVDXZ%UIQXU7K-#$JC1PH\03.W.9NZY0`_"B*Y2$=%
M;K^"B8@!!3Y*/(E.7@W]U,K7EW4N5/Q+<VI6VEJ_0;5W1^^:1TZ@(>\B0K=;
MTX3\"B)Q$A%#@(D`#F_#GGZAD;A9K:C?\'0IP4X3:DJ/TZ$OTUPL+-'VR^X<
MS5LJ"B1A.90%TB&$"^V*7L"1(_Z>``OD(_7Z9O\`:YSOXL71]5>'/0HE[LGU
M::LYMZ.*T(904?UDCVQDDP%N504D&YBAR1945!,0"`'J(B(E``X`/6]N+IAM
M/B68M.]5.JT(/JK@B4LW*?R."J:?\PO)RAX"01`Z9#`!S&Y$/R`0_+/(8.0X
M9%%P3-K/^BO43[6N9$4$`5_6LJB0@E7,"8@?T*0I5C@3WC**@;D?$H<?CZ!G
ML[5Q7()U537K\2J7GM_>OW!@3)]PJY6#C@02$RI@*"1>5#%(`B4I3#SSZC],
MO49)UEG9JJN2"T731>17VBC-4OLD\5HYHFU41Y!`IE4UU0.4P<\"4P#]<7JN
MVDM="5QIS-93HO6K)\@B*35^!_=2(EXKM7P")'K$Q`3$I3HK'$_(B;@#_0.<
MMP:Z4JZH@X3A0[E`ZJW(+QY`(K^D.3LDC$!`R:?DFFJ#4%`)SP`>V8/3@GK6
M#HO<`ICLAX2`3`X3Y]Q0@..!32$"&,!"D'T2,`"'IQP`^F:^7Q/UEU<#=8J>
MTB8OO&(4#B!3@'B]`Q`$2BDI[G"9VZX`<.?U>9`X$!]0Q[V.LJS>QI:1OQHV
M9F'FY>V[C8S,%]/1_,A_#->/A4].VC+E!;?TV^O[Z4;0]DG:1K<:=%UVM)1\
M?*.8=HA#V4TI*-#`2'F8=_#*.5UC@"KUV83F,!C#GQ[NV+:Q<O<\3=6K>Y8K
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M<G6.ID+U1V`#6/PY_+#J6=_?H79%+T9LF[A!V%HNP<LX7<]>CM?HNHH'A6[P
M_O3CINHZ(X2`Q3.2'((@H'/T/\H<J]8VN_M&X>?'*MW87.B47%J-QUA-)I.D
M^+?ASH?D%_[B_;T+GS"VSYE=ORVS([/W+;OR-J[ARZ^J_M_\N[&;@Y6DHQDH
MT3XQ:XK3Q0LBD091L>3Q`D<R:MO%-0H>\("(+&Y$?$#`LL<0'@."E`/7/HO'
MC)0JTTC\V/1S+O>D?BGW)Z<,RD,)%.T_7IVH40.4054VY5!;F\$S>7\MHB43
M"8?_`+)]..<KO5=B;7#HE]S)C\2]:/V*,\(;$8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!B)^>
MPZ2?P[_(`=80!(-#2@*"(<AX&GX`H\@'KQP.7\5J.1!O15+5]-VI*.KH?DAZ
MVG&]*OQ$9;W#5F=26K\^@H?^6K%RYOMTUCF`/'_<7)RG\N!\2@?_`)PYL;LG
M"XI^DQ[SZ^A0UIQIR./98Q;6]YD(%R8RC=DNH@FH'(E=0SX2';*^0#ZD%N*9
M^?K[A/P$.,OX^5)7D]::_:BVG7AR*%4=F@[*V4)P'L/TE40+P4P$.KR40`"C
MX^V!N2B`!QX\YA94/)R5T:VI5;?+VL'7W,&SY<\NQ*1%-PY<IOT4B"1)%V"I
MCA[9S'.93W$S<\CQZ^GT#+%V47#1JM0BBU3D.BDJ3@W@)BF`P\C^@0`@\>GU
M#G,8J*TJSIF=:+(Z02,BX=HH.?<`P$(D<X)JJI&X'P52(/)3?[(^N9VW2C#*
M4IND2'P.S7>1DBDI!*JIR#=598C!0074>-S%,H5%8I^.#%Y+Y<F]`#ZYE76K
MD)PA[TG-NBUY,@@]RB=LX7;*@)56ZRB*A3%$A@,F<Q1Y*/J7GC\<T27OLNTY
M\C8RLDJ.,1,"*B@?J$4%`_2'(`81*!/+CD0`1S)Q^?L+4N)V\:8R#]H8Q1*0
MRZ)3F$!`Y2>Z3D2\^GX^HY5/^M#V_@7K/PR]A-C9N1\F541/RJ"13F$/,ZPK
M'`2$,8P&#S$Q^../0`_#/1Q]^Q[FM%R,/KN6;O!T9UD00B5A:(^1TU4Y8A"'
M3*)C\`[\>"F`!3./'T$`_NS713C=U,J_.5ZW5*M$52DU+)I_H`BCCP3;I&<B
M<J;A-4@D!%0Z9S']_P`U@\%/(ID_4/4O/.YC8\R/4^!J+<[ENY1)T*972^V5
M>Q,FF8R!@>)I&*3CVEA;NOMR^OD01Y#])Q_2H(<E'+5VW"478;]SC[38QN.Y
M=4GX+\2K]?R"Y?M&_FH<R+($2G'U%$2)"B4`\A4*<`42'T_B#D.`YR_LN9Y<
MY0;2:JE7P]!1N"?Q/A0JBV"9>NN#"02B=JF4Q0(85$U$C'046,HJ41Y.!1-P
M`\<<\"/KE_=9N>,V_BJS`QHRZN#XD'5XOA,-E!<&*!6C@P*@F)@*<C14Y2F+
MXB/)C\`&>/PTUIZ6;JX_Y73^U0G>FJ>3N-5$YQ2;E7=G`"`4%!9)'=)E\4@`
M!5)[/'/)@`.2ASGJL/B8*T*[8M_O'3%%3DPK*-T1,0Z?B851`#I`4PD#DI#`
M(B'U,'KZYO(\"I<#:D3&6<R#Q/R_WI1TY)S[:J)P<'%QPFF"O"2@D,('$>2B
M(<<9-41'3)4GPZ*?8<:9,C#61VF!TD8F679QS@JYQ,WCI)@Q:,X]ZJ`@"!4'
M1TO;<<B4!\BB(B(&S6QA*-^<I)J+?'EQ*(+W%ZC9,"A#@J*29124<$,U*/N)
MFX`47#53W3"02&3`0.''@)1Y#D0],U1DU5)T*BG)-%$%$S)D54:+'6.E[B(+
MJ*$]P`$R?)^`.40%-3Q]!$.?J/`4^1!NK:)-3=7W2"H8"G4*N"*YDS&\U1*`
M)H+F`G\(JD#P/Z_I4#D>0',!Z.GI+J,ZWQ6R,=L>BV?64E-UBJK:W<VB6;2,
MNL\:(O&TY'*S\2V<'3!T*[U:3:N637^6F03*D\QY]1^<?F1VUBYG=MF]*4;-
MN]BRG&4FHJ4H\5-OFO3P/UM_LG^9V5L7R4W#9;-O=-TRL/N7%B[5F'G2L8^;
M&BI&XDXV(S_FRDETJ/O5IJ7P#,Q>PKRS1WSLFX-8F*H[R#C+(2-"TR<.E58I
M7^A:I]FB0BP5U=SY(JG*"BZ13\^7`B8.(W%MF^[K;L]UW\E8-K&=J%RW5MNU
M\"37B?H7F;;N_P`O>UIY7R2V+;;^\Y6]6\B_B2NO$M7/SMZN?DMMTAEP7O0J
MU"=*+B1[!?L5\?*H;>OENC(R!HDJQH\V5K(W``E:W%G7JU,03>J^XPJZD@NH
MT,9`?%H4Y1`H%YYT5I8NX9*6]9=^U;CC=%B:;G65O^G%O73I72_"IZCN'#WC
MY?;1_P#\CV?;LK=LW=[,L_$<XX]+67>4<O)E&VWU7/+CYM'K*74N)8EW#['W
MBOZXWBG8K9.2TQOC54)I&7"847D3V>'9;`UO.-DU9(AR`S4JK"D)&0,<IP62
M(=/R*82B/9/E#EW]WWV69DW;OF*PFNJO\RGN*#KQC%?"?G;_`.XCVCVYVI\N
M=GVCMC!Q\+9\;>;T[-NS)Q5FYDQ=R_*46]?.E62@U5+6FAB#C$Q7(W0.!Q,*
M"G*HF/\`S4RE557,HH`B8Q?83,H`CQR)O'C/KBJ_)*+^*G`_'*W_`%YODTR[
MGHZLNOW4ZD+>'!E^T_7L2`FIY"W)_C!40(U42X)X@FU2\/J;^`!'D0RW7_R5
MW_ER^YDTI)*6FJ/V*\\`;`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!B`^?C_P;?D'_#_[0,L'
MT$1]9Z`#TX$/7*H_$@]$?D%R!O?9L%SF$RY3_9+>XH!Q'VP$B:QO(0$I0)ZC
MP("/&;C(=81DOA2U?@:_&]V<W+1,[2_65.>K=/F%UO=FHY@I6Y94ZZAU5R,#
M<,W)Q.`%,HLDF!C<>H"?US#E=C%5BU4IM549IZ5?XD42,NLZ<(J**&,<Q$2^
M0"`B`D`/'Q'U'D1'+,[SG'IY%1V<$H64DY>%.IY!)H*+-!,8OB#YJ4JJ8?J$
MI0$Q"F#@/41RP54TJ=&0O!SMC)F2$`]"\@(^0<\E#CD/3)]',)-\.)6%3AW<
M@SEG:`B*<,V*XY`Q0`%GCE%H@D?R$!\S'5,/I]`+SZYFX-B=^<G%-PBM7X,B
M2<562="3*K4F<8W,]=&,H\4;*D!8`(/M@5(P@!1,9/@IS>@\#R(B&;K#QH*\
MF^%"S-IZK@N)2G9ZOMJMOK9L(R;_`&[1O.MG#9+D/Y:,C#QTF4HA[JP^OWO/
M/D//]GTSSV1:5JY.+TEUOZO$S6OY:DN!`N8Y05C%`)&I_$!$#)^HCZ\""A!*
M'IQ]>,R;',LLY:(F,*2I@X.00$`X]!$!*/J`_P#UQ.,KN1;DFN!?L24:U=.!
M.-&6^X2CA+R)D7)#F3YX%3[90BQBCX_H*/@`^(!R!N>.!S?[?*/E2@FNMO1<
MRC(:DTXZZ'#52%I,M%C$,B!E"N2'5,=(I3'("AC@;GWTD_>$?$PAY<_Z,LW8
M35VK3HE^)%N<(0<9M*3Y/B596E0<"D*@\"*S,IE!(8P@F=4`_`I1,D40#\/U
M#R&;G&NVY67",DYUX>PQJ-/4ZJ=51<&5((&2<&%5-,3D`R*A%5E142`3%,(I
MF,/D3Q#R(?@2\"&:^_*/0U74JM*ERO(Z*KK+H2;H@BJ!VYE2?I*!OX%%#^8D
M*!_,Q3%].`$?7Z>GKA8<EYZ?(NY\7<L1Z-=>17%F>*+UU1-0GCPS33X(;DQA
M(Y=F*8?,!4]Q,@\<!R`<#Q^/.YW&496G*+JJ%G&^/T_J(8B%!%\I[!_``;K`
M/"G\P>4O:,8H!R(F,4_\(>HCZYYFQ_4?K,J]_49.M5="4BP<$$I(YR8B:AS'
M(`JJ((D#])BJF]TKKZ?J_`.!YXST>'**=&Z,Q9<22X-5)==`!$Y$6_N.E0.<
M`]L6C)9P`"FN90Y15<(D*0!_3^```^F;V,H]*UT"-2*:*ZS1(JB(BH^1335/
MY!XC[Q`'@QT_`1%,PB`%X`1#R#*6FW5<"DZV0(E*EF".@`[5V"Z9/:7,8IRJ
M++"(!P!D"FY'DWJ!3"("`C],IOZP27&A)U[=XN512&D53N7L"8L>X6!0$A?-
M$N6S.7$@$1%4X^14%^1,0RH%,)N3\A861*+5K]NG#F%JG)?"N+/JA"KE,V$W
M/F!C-5`]#).#`!2H"4JHBF#Q-,"CZ<`IX"/XY?UY\2FM=5P.F8NA8NRIF()D
MO$[9PB4QT0<D.H'OME@,4PB`>H$]!$%$RB/YAKWQ9?JC(;\=\U*1O9NOT"+*
M=RON.#6I<8B!T&A9"?1=(SE8$AE#ILTU'R:3E`@G.``JJ8#<<".<G^:&P7]W
MVNW<L/IRK$E'J\(W'[VO@N9]G_V-_-#;^Q/F?GXV^W)V]@W#:+TKL8MS2NX2
M\ZU)KC5VJP26KX(SO7Y6PNQINA[<VIE);TC8,Q%KVA_%%+-1#ZWSJ#&P+7"R
M1BKM:6A:Y[7O$`I!!%$#>)A``SYW[G6YSR[';68L;&Q;=^LKFB<5XR?[OB?L
MKVO9V?"GNWSK[<GO.[Y^[;19R+6%&:\F]'%QE/'CB8M^CLWLAU73+6<M"/;0
MYE'$A`=<Y'9%0?ZVH>R["R@M@L6P+U>.<6J581M@N"4XU(,Y+555!LF[]DQC
M$2_6)/41'/(YOF7,RWVK>S;%S#L9%8SBE^746Z*?4M5%<:MT2-]V]8VO'V[-
M_N'V[MW>8]Y;QL<)Y&W74EE.W83G9Q7C2?DV,KJZH^Y2<FJ+4Q#_`"E7:=.R
MU+I->8K5FJNI+U<(VI6>OQ[%)M-,9>174?2+:=1(#R9AI5:,3<-`7,;[<BO`
M<";.V_**5Y;A';[N3"[:PI7(PZ(KHN-SUDIKXH4U@^!^8']_=C888F#W=MN!
MN&V]Q=UK%R\W'R;DW&U*%J5+-['GK9R(557%*KXZ&.M)+[.-<CP8PK"2/(13
MS2,4Y#)+++(@4B@G*!?`O'/_`-D_M]?IZ?POU'Y?0=))^DNJZ(%2'NKU%<JD
M151;]H>OH>T/N)_<N%MNU9N@4Q4?;7,*)E/>$>..4PY_3Y952N%=7_AR^YE5
MSWKT>G75?>?L6YX`SA@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@&'_Y^1X^&WY!Q`.?_M!R?_Q!
M7\F+HZLIEP/R`3`*C&32-ZG\"NR&X+XIF3('(?03`8?7\?H.;:34L648ZRI^
M)@I-NBXD?.W7NL3HF\C$*Z$X!^/D8"E,(>O`<E#\LU;A)*K6A6X2BJM:'6"(
M&6)Y?I*02B'/U#Q*`^O^D,I*3CH.%6[U-VF/B=-<%"'X`?4#>@@`_C@JJJ4.
M[.X\G17AO'A0QCB`!QP<WJ8!#GTX$1],F/QKPJ56I*,JOP)BU4HW3A]CIF#]
M:T?7CME0,`"0A9<QE2B3R*"OZ3!SR`_AGH]B3C:OJ6C=6O5XC(G!P2357+])
M6"1_#S$#'3.5,X"8QS^T)1+^@PE*;W!$0X$>/J/H("'KF7CRC!5DZ*IB--*5
MO]OIX>TVN\C1-KV;V%[+<6R3EI1W1$A.)_\`IJ#61.?D0`0!90!/ZASP.>=W
M%J64YQUC0S827Y>,/VD]2TH`$P\`'(C^&8)05S$D_P!Q4$P"`B=,I0_/R!0P
M?ZS!F38Y^PM,Y8I^V"`@`@)R";]7T$075#_S9D$$C:[?"B[43!3@H%=F$W/Z
M04(T7\..0Y`/("\_7@!Y_#,[;I162JE2BW5I:%;BD5\=O[H_S&QQ\A1."9U$
MRI@*G/!4_(OX?G]?7TS:7O>ZNG4Q+J<KD7'@D<&JN%$I&/3=)^12.6_O`0PF
M#P`RH^1$P`H./(2AR`CSXC^/&6L&,K=URFJ+]1>FTVJ>!TLH^04Y1735()2J
M&$")`F')$SF*9'T+P)A`!YX'D`_#,7*:CU=3I5_@50X%/5%4XN50<*"0/=6.
MF/D;@Y5`3,!P5`#"/D'/KQZ#]<Q,1IRJO$R/]P_:5Q9%E30#<2F`I%FRO'D8
M3+>ZBZ>\AYF,;S,5-4?7C@`$0].`S;Y<X0Q*R=%K]YBXZ<KK2XHBV,,)'!U/
M(PJF,4.0/XF*`"DF')C"``!B@/ISFCQ_CT\3(NM.XZ$VP;K^4\.)S%65!BF@
M)5B`DF(.C.C?Q\J$,=)OP7PY]0$1XXXS=X_]1&/+B23!+%(66]SR670C5#IF
M14#R*=ZY:M!,951+^(I'`\\\\&,'`?CF^M_TT4/B=['!X/&P@82*D^X=%*8K
M<YBD9MUG)3"<P>'B`M@`0#]7`9DK@5+@:8Y``=M&YQ,'NOF_O`8H%`Q3*IJ$
M2%%(YBG0."@FX\1-[8\<<@&6VG4I:91-G4<HRAK`U1(LHJX<@NW3()DW3%ZJ
M7]P9\*`!`!XB<0(/`"0Y$S?[`9B95IJV[UI-Y"X)<64NL9*W'^G+C^)V"P%,
MF0R8>2;KV5B`N!B*%+_,2*0Q4P5,W7043.BN0H<IK$,'IQERS=5RTKC>J7O>
MA\Z^IE3I&?E?M<O2<%=N=8`?%'VUUE#INS@D0`*L4W`.1$1,`D=`41-P4`!4
M%/H'&6';FW5+0J)#I%ND*19:C>HQ022>OK3"6UFJDKPH9A"2C9S+,2>V4PE*
MHQ!81$G)O'W...0S3=RX\-UVF_8A[E^2T7-Z<CV'R[[DRNT>]MH[HQXP=["S
MH7)3E^U9ZU.[:N1X-2C_`"Z.J\=#U7V)6LI:PL$?.4M)_9K<UIUKI.P'+R5C
MW]9A#&_?%5F$.X*9"=87&$=)B1<Y2CX#Y%$2^(9\B[XH[;MM_;]XQ(2W2O\`
M4DW6GK/Z*>S,W>.YN[]H[I[0WRW/LRQBWX7\.W&Q>M9GGVXK&Z\B"I;>.^$5
M1KT$:6^'L>EZ[9*!L'6]04E]E5JA;#KEN=.F,Q8ZS7557LG'RM1?P;UPU:%L
MD68R3]HH(*D`O`D\@SQ.X6+FS8$]GR<;%D\^S;NVY]596XU5$Y*M$^>I[3:,
MW;/FOW/MW>W97<6Z0V?M_<<[;\S`C;=K&S;ZGY5V.0KB;N1L7EUVKL>3K%F%
MOY+HNQZ^LNI]76N$@$)275C-KL)UJ[BY>9/7)BK)(Q,:WFXQ=RS3A9)O)?<K
MLA$%"/$N3>I1`>[?)_9MQV+,S,:]8L1<X6KD7"752,FJI/U'Y-?^X'\R=@^8
MF^;1N';5S(=O$R\S!N1O0O6ZWL:3MW;D[<Z>9<ZHN-J:]WRZ2J6*/B"D)6Z9
MTE`9I`V$P@!P^Z,<%E>1<%#S`RYCD4_3]$R\_4H9]&R6C2/S;1=CT@_E]R>F
M[8R8`JKVET$^4.<3G$QU-OU(K8S<J8F\B@V$3"4P!X^[Y<^(<8<HQP[BEH_+
ME]S*X_$O6?L1YX$SQ@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@&(;Y\&YG7PX_(0B7D3?\`#[.*
M@``(B/V\Q"+\<!ZCS[62DVZ+B4S:C'J?!'X];=4XMU%PX,1PT7;B/D/U$A>#
M``<A^@0'_7FQMZ0:?$Q;6CZ_V4405NJI'J./$QBD=B100#@`'R``_M#DH@.6
M[W]-EV[.$H-)ZFD6(G=>`B)0.EY$`0_B-X<\<_VAF$8YU9B`'U#@`-P'Y\@;
MC^_ZA@')2,<Z)R>'J14!$W(?0>?+\?0!],E<02IKZ138&E&Q@.J$FQ;$``%,
M"!]HX!UR;R*)O<3$@"0`XY_$<W^V9-BWUJY))N%.?&J]!;G%2C_$M5ZR12K@
MH)C%5+[X!X``F,F!_=*8Q3`4O`G.)U.!'\_IE[JCY#?*I1;ZFO,NZ77I["HN
M_GM'[*7)5)$$031@HT_B58I15B*]$L#@;WA$_O>27)A^G(\!Z!FFS+<X-.2H
MGP,E1DM7P+,D?^D+F$A+@5HS*8B:)!Y*IZ\%Y_N]>/IR&9-CG["VSM7B:B(H
M$/Z_R$3@(`'U73(N!>`_YH*@']^7R#N:LJ5N\64XY$J+@1$3JE$OH83"0"B)
M3&]!]!`?3Z9?Q)*.3%OA0R+7P2)G9*E0=MW"ASFX9O#_`,LZ(F2,#!P8I@`P
M"(B'`"/H!@$1``^F;Y0DJR:T9@KBSJTVAU'K1PV-R8%1,D4O'(>7D0HF#R+Z
M>`@(@(&`1'ZCSE*:?`%+3Z7DF1RD0??68.45?#G])D4A-QZ@`%\04^G_`#?3
M\,UNXQET^93W*4J7(.ONKB4U3^2@'EYE75,J43"80*`&4.D*0A^`<E`0`/3@
M/7,3!K]IEM-6&F5/;53_`+$P(4#D_2[(0!]!(3[A0QB`7@O!3^Y_<'("7ZYF
M[K."Q8PK[WZS%PVHWY-\*%&M"F+[Y1*/)!3*(^(&XX43Y`3<"4HB/(<CFNL-
M)]3X?J,B5N;DVEH2E"N`)'KK>Z4WC),042(;VC>V#5P/'Z2F34`#J^/T$>1'
MU#GG-SCW;;FM2Q.W..LEH2E!KK*-':GB=!`H,VX^8)E$WFH=;^:N/)P`3,.>
M`.;CZC^&>@LR4H))U99X\"H&)DRC)+&$/(D<Y`W*8D`QGSAJR!$A0_B2$7)O
MU$,!N?IZ9E)-*C*EP.RC@.$HW'VTQ(U1>.Q(4"*D-[#)=P!E"_<F]DQ3(<D*
M/`?0!]?3)!US2/"0=MF@^Z<5)%H"GEPL@0BBR2/MEX*H"AO#ZB`>)>?'Z\9:
M:=2FA139P+>7DF*[@YF\H^DGL<X<CP"+QVJNX5:F*8Q1`LH!>2!R``X((^HJ
MYKHULWNB>EB3U9:A.%U.<77(B]%ZOL.W1.1LX,550P(.3J)J%`"F.5L?\4_;
MX#W6PD\RB80\A*!3!P(YGJG+AR+FO/B=RV1*B+IN<Y/:'R`RZ8E4172,/D#@
MBO`'03=)J%X`0`PD$HCZ<@.-D8T9NL.)DXTXPTDZ'I2Z,[(JVZNM=*E=SV2X
MO5*#KFP:GC'\$FA+RK><UHR"%H,,["4)XEKYF"[%-;^8*Y$S?I'ZCGR]WA8P
M_P#U'N%CN>]>N0:?DN*5&^7L7IH?MA_:YOW<M_Y&;)8^5&'M=K)L[GY6?:N3
ME;MM.\_.N0<%.7GSM)3M]25NFG570[RLLZO6GZ$SMO7]ZL=`G*Y;86NR$8\<
MP"2]V8Q_VD6^@;%+<,9AE4I0Z?W;(JATRD,!#%`>`'B=B.-;OK*WZU>R-JE:
M\N*5;?5**JG"2K&B=*IM'W=W1D;SN&TRVCY4[ML^W]Y8V?B7<JW*W"Y=M8=R
M\I79WL6Q25NY?BI=-QQHW1U9@#[JE>?XY4<7;)ZFU"E/Y^)56:&3920&L"T(
MFK%K'2(1PT+(Q*B9E"E,0IDCDYY*.?1'R1QY+997UUSOW+S:<G7W%^S6O[*/
MQO\`_<EW3`G\Z+6SXM^TU@X:Z^E1B[=RY<<FG&/[4U)=3:JZEO3-(KIVDV%0
MA!64*9902J&,FU(41<NQ$#&#W")%.)N0_4(?4<[Z?G>76=)G/N=W>H;HX$2*
M[[5=?0$B(E4!(A-MU%!)$AC@F0/;]LI!X^I"\E#TRW>BY8]QKX>B7W,JC527
MK/V+L\(;`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8!BJ^<$40^);OA]R`BW-HB;37X,!1]E24A
MTU/$1Y#R`AAX#\1],N6OZB]99OINS)+C0_'3.BBT`C`JH![+E=H(D+R<`*8Z
M/(D_5ZF'U^GXYG%B,DK3B_B-B%9H&-)0+T03(_$#-7''B"3M(.4O+_:X7((?
MV<@'YY:N\79_WB5:%M'5GC5D/+R((.XM8!.F;GS.'D8Q1.4/4"E`O']O.8_E
M3\":HZ>;8D3!*09E$S5X)C^@^7L."CRLB<.1$/$1]/[,B4)159+05.@3,7[P
M?'U*H4P#]0#UX_5P/Y"&4$\BIX!8&L@U$#<B"WM&#D0\O(IB"'Y!EVS\9#X$
M\U]B>2F8AD!1,#Z5AF9_T"<1^[D$FA0#@2F+R8X<<#]<WG_\M+U+\"B2JUZS
ML^[3PTONJZRI$S%14NMI;$\P$#)@V?%:E2$1$?("?;?CR(9B;I\-K_"93E%Q
M27$L_:E`RQ2\<B(\`'_E_LS4HMO@5:S.95=(@C^HRB21#@'\'NG`AC"`?7TS
M)Q_VO86V5-(*?[R3DOD=94OD!/4A4P'VT`+^0@0H<_AE\@YS%L/OJJ(%,H7[
M9R`%(`@/`AXB/'D0>`$X_P"O+ME-W4^1?M?TY>LF"NKE6;.?(Y#>W&/?%/E8
MOMB=N*!B'#S4`3G46Y`OD4#?0,]-52M4CQH8?-^LT-$SD=H$`JOB83^/MI@8
MA/>246\1/Y_SDB*)E^H_H#RYX'URS;L75%MK2I3*<8NDCHK`LFD1NDY,DDIY
M++K*>7B8GMM54Q$R0^8J`8Q0_LX#CU^HX&Y3B\9VD_?*[+ZI]:^$H&$5(HW*
MJ3U44.L!"$\?,#%5`ODH7CQ%(1$?3U]/7,#"=4C.N3A*W1/6AS)LXJ,XQ,QC
M`'ON3&*`AX'5_E'`!`/4/4O(_GQE>Z^^E"&LU0P[*<)MRX'"CS\)O!,3E(PM
M1.8!4`QN5BB`CXE,0$_(..1^HYC1B^E&P5VWXE6QRA2QX&22\CF>*>XF(<)&
M,5LAZ%.0H`90/+G@?00',S%TDEZ2W?DG;JN!*L0LH6,3,)Q(BN\/[C7@Q3%%
M!LFKY^'H03"1_P"(&_/Z>O.>HQ.1KUP16L4H9%A*_J$A3*1;<Q/:\RG3.LY=
MJB9(2&5-XIQWZQ(8HE$X<@(?39/B5':QXE'[UPDHH?V85VY'R*)CD*NHBQ(!
M>!\U@$SH1]L1$0`>0$/7B`=C"D;!+-G!B'/[1W3@P@8HI`DT9K.Q5'D2"<3F
M(4``OCX&`/RP"+Y^&;']I-$JB2RAFX',B($7*)`3*`IJ%\C>^43<D\0Y\R`8
M0Y'C+63;LN.O$Q+MN</>L*LF<%O*$E`7`ZA4WR*AVSM,K<X'<@<5!;/TQ$ZG
M`R'M<B83>(+`8@`'CR.HAD3N/IMZTT,F;\I+S='0KY@(KH(D5\1=QR*9P#@O
MDHT\3*.C"<H<K%;BJ)B@//"9C@(\%]=KK[2/3R,MGQ*S\/9+?LG0%BM,?4H.
M9L=<V4SL<FBX5CH!M(IMJ?:9-8C<R3@[1`4HI10H"*8!^KT_4.<`^9&S6\[=
M\2&72SCSN.$KCX=2Y:??P])^D']CGS+S.V]E[MQ-LQKF;N=K#LYEG"M22ED1
MM:2A;ZJ*$I5U<J&0JWS3HLQ7]16/8DQ):GJ%^GC0I6*9W[.,B)J;]JS7BJPS
MU)L]=.)EDB5X5$Y0]PHD`H<CP/S5O]J['.>WW<N[_H6/E4:I6U",FE5-5KIR
M6I^N>R;9@V=NW+YG=M]OXL?F;O&PV7>ZKJMWKUVU:3Q\')O0DX1C9<E;E.J2
MD_>DCSN=P9>%E.VNS8&M3\G;:I1G9*K3YR2:KQJK^LMCNI-C(!#NU/*&-(.9
M55RLV\4P36/R)0-SGU9\I-KMX?;T;.#+S,3SINW<X=4%76CHUIR:1^"?]WW<
M.[=T_.K*W7N'`L[9O]K"QK6;C1E":Q\A0I<MJXI25YQDDNNK?-5(A15338NU
M`3`%'H_8A^HWDF5(2KO3I`ISRF)3))B</]@QO40SJSJU1<6?+Y<_T;<-&W<[
MJ0^>*F%!#M-UW:IM4T3G4=R<AN"GM&[=(4N#"!3&%90P``$(B;T'@391*_;A
M@W9-_LR7MHT5Q59)>D_8MSPAGC`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`,1GST*BA\/G?I0HB
M42Z->AR7@1_79*Z0>.1*'J!OSRY:_J+UE$TY0:7$_'BD#BTL+]N!?5)_P'D!
MB&]3E']0G_4!@`?SS.7%>LQ':G%5:T./*?KD')`4,0HF35*<HB!BE)X"42F_
MB`P&+Z#]0RU=_P"JE?\`]VXI%!54LZ&6B8^RMDR$?,0+&3A"\B5<2B!&[U0A
M>?(%R"`&$>``1]/IEU:KJ7`@IWAJDW%<1`\9(B)5"E]56;LI!`AA3#@2%$3?
MD/.6;WP>TE<2A'S7[)SZ'`>!``.7]0"4?7G\>/0,Q"HY"*GAX+D$!!,Y5A$>
M?4P#SZ`'K]1_NRY::4ZLAEXFET?W;9>K&``)S2=\I*)B$'S(9,UBC%3>*12@
MH;Q)S]!$`YS=*<96'%<6M"EM+B45V=<_O-@GIWDRBCV_VAPHH(<<`_E'SH"F
M$#""AN"\<\>@!Z?EEC=%6%N7*E/;0JBTVRU9D4QE@$O\1?7G^_\`Y,U"*Y<"
MLX0HF=\@'HF0RHC_`&D`?`/])Q#,BQS+;.[;D,XDR@'!2HI'\C<^0@<A!\?0
M?4?YHES(YTYD$AUEN"!9!)0G(F00$@'*!@$%72(FX`P"`B7P_'-KA6:5E<7,
MNQN1A%QEQ94GW)XI!\J@`"D=KY"BISX\"]8CX@5,I"F^G(@)?+QY\?H(YL[M
M='8^%+7UF(N+?(Z\LA.NC.GC,P<),W)Q)RF!B)F`C<XI#ZB?E)WY<`/IR/X9
M8\^:M,/RG*DW[_M*`D#@H+MRZ.58ZB;@1`0`OB90I4A`Y"CZ'*8PB'_+Z9IL
MBX[E:_$7E",%1'&@1\4&P`4@&\W!#FY``\UDR&`1-^D"^'D(AZ\<C],C"K%T
M?%.I)MRSDRSQLEZ"#=P`>11*(&'DI>?T_I$1`?40R<FY&[><H?#1+Z@SLH=(
MIF,D(`F(^3$!#CR6%,%5!`"\F`1+Z?0/]?/IE-M.:I'D%P.S8+"DS:ID*<Y1
MD79O$1`R1N",RE`!$@""B0CY"/(@(>@AQF3CIUZ_V2Y*47:Z%Q)2C%C%810B
M8`X5>*(^2)2@(F^U2,`%(H0!-R3^+Z@7U^@9Z7#E%I.J,5*FC*Y:#[3%8PAY
MD5E0Y,@J4O((,S"4H>XFJLF8GWH<B7U-QSS],V;H]:KZR3NDD53-'JZ*:1C^
MRU:^)TSD`XJ//NDA4$J:A0.!6(_Q#^H3`!N.>0C@6W>MIT;U1VT8\%LX>G()
M$E$H9XB1/@Y/(B[8[0R*_!1!4Y5%R_J'Z<_3*>I%<I**ZGP9T!4T%I)F99(#
M*-U2JD!(#^V`LDSKB"93``*&(1(3>7`<%*)O0>,LY/"HXZ\B''_W,1((2#9,
M'(CP#A(BG!'S9QYF79^8B)S&,0`.D8P!_.`/[>=+<73K8U?U%%M.;I?T7UDF
M0\B@D+1^S4(NB<6[E!3T.0I3'344!<@*%%183@<JA!#@/4GKQY!M[=V-RVKD
M7[I6EK3E4NQZB6U*@=N-2ODW;5K%;"_==9NG"IC>V"-XCP81)'2ZZHCX,K,B
MR*`&-XB4`/Y<&#CEGS2VJ.Z;"[=J3C<M7U-2]-57]?H/I[^TSO6'9GSSVW.R
M73;LEW<6Y&&DI0;?163]UZKF>AW;Q=@:/:[4T)+(4@T793T&URQT6T5/R82,
M?$H2,`-:N*9C.(XZJ#SP>H)?IY`0]!Y,/S%W)<S.W[>5VYE3Q+VV9#5SJBNJ
M4==*-5?Z#]R/EW8[)^;^7L'SBPY[U;W?;I;EB0A)7,6V[%Z48WUD8<E%791Z
M%.U<DN=8\#R?W==&3WIN-ZS=,9),+U-1K9VT47%%V2.<),/<;&720>`(G0$I
MA.F0#"(AQP'K]9_+['AM_;>-9X2\B+7^95?#T'\_7]P&^Q[K^<O<^\PCY<+N
M]9;I)];HKJMPCIPHK=:\%4TR8(H+H-/<#V(Y+[1)9!4@`=9,PJOUD`#U$BSI
M50H#P`%+P`"(<\^O:DU2'Q<CDB571%S?2AN1UW9Z?)%1.0L#VEZ[R[M10"`1
M67D]MTIJ5$W/)SFC(AXF!?U<$4=J>@"'(XK@[MJY*WK:C"5?\23Y?B5-=,E&
M6E6C]C//%F>,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`@'M+ULUMW`Z^[4ZS[?+/FUIN&M'JEP
M+5I@8"P#%'?,Y`?VJ8*W=BP<_<,4_P!?MG_3R''KDIM.JX@P`2'^47^(N2?+
M2+AGV<!PN8IE!3WNN!?(A"D`0$]7.IS^D!_B^N7'=FW7]/Z2&JJC.*I_E#/B
M'4,)S->S_D(<"/\`CPL(B'Y<FJIAXY]?[\IE<E+C^)1Y<5_L7Z#G,_\`*._$
M>Q:/V2+7LY]M))I)N4S;V7XX1.8Y#$\:N7Q/Y&$?7D,J5Z<8N*X,.U%_1?H.
MO#_*%_$,!#I@T[/^"GJ8G^/"P%$P?0PE"J@!C!_;SE+G)JCX>T>7'Z)?H-LW
M^4%^((Y0*=CV<-P`AR;>IS"(#]`$!J8EX#^P,H)\N/T2_0:2?Y0/X@2!X@R[
M.^/Y?XZ"4./RX)42AQ@=$?HE^@D2E_Y5+XJ*'8JU:()IV1&5J<DTE8@SW>+I
MR@1XQ5!9N==(M<2]XA5"AR7D`'C,B.3<BDE2B*'8MRXU.AG_`/*8?$S9$A2E
M&O9A0IG)G8^&\UN??.=90YN%:NJ3@QUS#QQQ^63>RKM^"A<ITQ>E$(V(1=5Q
M*6)_E`/A_3'DK#LX`_V;S`O_`"DJ!1S&*^B/T2_0<M#_`"AGQ#-Q.*;/LZ!C
MAXB8-[K%'Q\@-P`IU4GIR4/KSE<9RAP(=J+X_A^@WD/\HG\1+=0RI&?9WS/Q
MR8=\N>?0Q3_4M8*(\F*'UYRI7IQ?4N(=J#^B_0=PC_E+_B80,<Y&O9H3*%*0
MWEO=X;])>>`#_P!V^?J.94-RR8*D>FGJ*'CVWJZF^'^4X^)P$ED/M>S`I+IE
M3,4V]WH@4"*IJ@*?-<_283)@`_4!+Z#EQ;MEI4]VGJ(_+6O2;"'^4P^)AL"Y
M46O9DI'!1*H0=[.A+P8P&'QYK7)1#Q``X'T`.`_'+?\`J.1T]/NT]12\2RY=
M3K5>DZA?_**?$2X,<ZC+L[RH(B?C?+K@W(\CR!JR8..0S&E?G)U?Z"]Y4?I0
MW6_^4:^(UJB*"+3L\1,5/<$`WRZ+^KQ`GIXUDH<``?EDV\FY:;<::^.I#LP?
M$XW_`.:(?$/YE/\`9=G>2CY?_EY<\";GGR'_`-V.?+G^W*/-G6I/E1^E/T'-
M:_Y1_P"(]GY>RT[.?J$AOU;X=#P9/GQ,'%9`>?7^[+D,F[;KTTU(=F#-:?\`
ME(_B1201;D9]FP304<*)_P#V^'?D!G0)@M^H*T'('!(O]H97#-O0CTQI1>@.
MS!NNIW!/\I_\4":#=L1KV7!%JFJFDG_CJ\\0!50ZAC&#^G/U*%$_!3#Z@``&
M7(;EDP=8T^HI_+V_2<\O^51^*LB2"!4>RI4VZJJZ8?XY.1$5EDTDE%5!-6Q%
M0W@B4`\N0+QZ<9?_`-:S?X?J'Y:WZ3LR?Y67XL4VPM4VG8TB0K(KG`-W/!,H
MHW(J1(3B:OCR``L/I]!'C+J[@W"*2711?P_K++P+$G5]57Z3ZA_E:/BT;D=)
MD;=CA!X@#=83;N=";VBNT'H`0?Z=`2C[S8GK]?$.,?\`J#</X/\`X2Y+%M3C
MTNM$O$T?_FLGQ8B8QC,^QAC&(N01'=KH#<.$#MSB!BUTIO($SCP//U^O.1/?
M\^:I+HI_A_63^5M)4U^LI]?_`"GWQ.N!**K+LH/B)3``;T>%*)BB`E-P%<``
M$H@'TX^F8_\`JN5_#]0_+6O3]9OQ?^5'^*2';K-6+;LJFDLJ9;]6\W1C)&.'
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MKJB8/[0#ZY[[`R+FW8UO%QJ>5;A&*KJZ15%5^H^1]TR;F[[ME[UET_.YN1.]
M<Z=(]=R3G+ICR59.BUTYF\'^57^*OS]T[7L@JH/H)U=WN3F,'//B<W].`)@'
MZ"`_4/KF>MYS4TUT57H,-68)U5:HKK6'^6;^,W4>QJ;M*IMNP1K31;Y7-CPI
MI;<SI_&J66JV1A:HE228A`H%>LR2L8CYI"8/)(@$Y`,HANV7"U.U'IZ)UKIX
M\1*S"3ZG6J9Z#<UA=&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!ANZ/?+0W
M[:=I=O=9+;IC_")_3WNSV^K;8-U4LT?MD-/7LU-OC1FU6JU?+%3,0U>,9`S8
MBSL0;JJ\B`)%.IBV<E7;CMM4>M->-'1_5I]9Q_LGYJ_^J^Z,SMK+PGB3LNZK
M-SS'.-[R9]-Q:VX*,DFI]*<O=4F]$JYD<RCL!B&[I_*HTZJ]K]!]6JQJ`=J2
M6SK!K"'V5;0N)ZY':D3W%?/Z,H*3IJC69XLQ.33:*EI`C-1=D86S,@@82JB<
MF/<OJ%Q6TJMTKKPJZ+Z]?J.1]Z_-./:O=.!VQC8?YJYE7;,+MSS'"-CS[G1;
M6EN:E)I3GTN47TJ+6CJLO.9!UP8`P!@#`&`,`8`P!@#`&`8;MO["[;]FN^^T
M^HW7KL<3JCKGK;I?6U_V!>(/5M*VA>+WL#;+B4=UN!10OJ3B'AZK#U^.]Y7V
M2%<++^13&,50@HXLI7;E]V8/IC&*=:5;;;I]5-?&IR'=\[NON7OC)[6[?W%;
M7M^W8MJY=N1LV[URY<O+JC&EWW8P46GI1UBT^I271F"BF[UI&1K22D!EI%JP
M9MW\J+5%D,F]1;IINI`6;?ENT%ZN4RGM$_0GY>)?0`S*.M6HSA:C"[+KN**3
ME1+J:6KHM%5ZT6B.?@N#`&`,`8`P#KY:490<5)S4DJ*$=#Q[V4?K%346,BRC
MVRCMTJ"2)3JJBF@B8?$H"8W'``(X+=Z["Q9G?NNEJ$7)OP257]A$W7??FO>T
M.F*+OK5+B6=Z\V/'OY2K.YV*6@Y1U'L)J3@S.7,4Y,9RR!PZBE#ID4X4]H2B
M8I3")0HMW(W;:N0^"2JC6;#OF#W'M-K>MM<G@W^KI<ETM],Y0;I5\XNGHHRU
M'XK>PNU>T/3JK;>W/.,;%?)/8FZ*^]E(Z#BZ\U4BZ;M:V5:`0+%PS=JQ3.UA
M8I!,QP)YJF*)SB)A$1MXTY7+?5/CU27U2:7V'E/E?O\`NG<W9]G=]XFKF=.[
M>BY*,8JD+LHQTBDN"\/75ZF1?+YT(8`P!@&,7L;\D!*)NEUU4ZL:*N7<3M)&
M1C68N%&I4U%5+7^HXN1(F:.?;?VI-I.8.I+NRN$E$V7MJKG(<H'%$RB0*8\[
M])^5;BYW.=."];Y??Z#FO</S$_);O+MCM?"N[OW-"*E.U;DK=JRGP\^]).,&
MTTZ4YI2<7**='0_8/Y>(B8@7M[^/_0DY3WTQ$MK`SUMVH;'NE;AGTB@UD94K
M:S55M#SJT(R6,X.W;*>:X)"5,>3!Q2KF95==N'3Z):_;%?>8UO?_`)J6;D+F
M7L6)<QI3BI*UEQ5R$6Z-^]52<5K2*UIH2U\@?=>^=/&_76+UEI..WI?.QV[(
MW2-3JLGL1#6C1&PS<6[=PZRM@>5VPL2$=OT"(&%<&Z213^9E."\9<O77:Z4E
M5RE3PY-_@;'O_O3/[0MX$-LPHYV=N&9''A"5Y65U3HH^^X36K:6M$N+9'E=[
M*_*F_L,`PL7QE:]@*\^G(AG/SR'=G74LM!P;J0;(2\RC%(4Q)>45BH]11<K8
MABG7%,"%$!,`Y'7D?N+_`.+]1KL7N7YI7,FW;RNV;%O&E-*4UN-F73%O672H
M5=%K1:LNE[C=R-0=)-3&VEM=>8D5Y:995'7NO:BQ_>;_`+0O<MYA#TVEP8*)
M"^DG8D$ZBAS$0;I%$QS>0D(>J[=A9CU3]27-OP1ZKN[N_:>S-K_U/='.4IR4
M+5J"ZKMZX^$+<=*M\VZ)+TM)V-->UOR^3D/_`(BPOQGZNBZ8JE^Z,=96SM)%
MQF\74-X&732<-RU<M5B)]9N`?[DY,19)4?;.7RY#+/F9;=5;CT>F7O?52GVG
MBH]T_-:]CO<;/;EB./JXV)Y<%?E'EJZ1C)K7IE!23=&JEW72GO1K7NI6;D,#
M7K9JW;FII\*AN[0^R&18O8NK+5_/*1I+-``I)"&D%&:X,GZ12D7]E0IR)*D.
MD6[9O1O)TJI+1I\4SU?9W>VV]XX]Y6+=W&W7$GT9&-=5+MF>J55I6+:?3*BU
M34E&2<5>UEX]F,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8!X[=7U2PTGJ9M7O?KJ.</]D]"/EL[0[7D&;`#?
M?6;0EDE:=5=_TKE,`.+1_3G8/U!$WBDG'J&`.1YS5QK&R[T>-N[)^RK4O7IJ
MEXI'R-MN)D8G;.7WOMT'+<]C[IRKS2I6>-.-B&3;JZ)*4:.4F_=A&?B>M%#:
M="<ZK2W6G8V'^&"U`)M`EM,IQ&!1#UX+6%A,KZ^+((`?N1'\"9LZJG5RH?5$
M=VV^6TK?%=C_`*4\?S_,_9\KH\SK]71[WJ/*+LV#GKWHWJ[WAOT:NQO_`'Q^
M8KK-MV,;2!3?N=:T'6#7.F==Z48QPY*T8T-B$F'B/BH:4\Q#G->JRMJ\^,[B
M?J7"/'AIJUXMGRMO&/D9FS;5WIGPZ=PWSO##O)-+JAC6U>MXMMM-IJ,*RC)/
MWHRBS,IW#WGV(V;VKUG\>O4>\LM/6V>UI(;W[%=@3U^/MDUJ;3B$Y_2L%#42
M!ER*PJU]O%@`Z*2SLI@9(>VJ0/U&.GD797)7%8M/I;56]'1<%3TOEHUHSLO=
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M^W#_`,K:NK6Y<2I&:M]#]^?.?#11+@]%].]W:]NU!V;_`-Y'V4WA5@$TI;Z7
ML1CJ&SZ\V5%R4.\3;?L*T%3XJ1IC/[]V@];K1SU<!31!/DQ#B;*X6;D9*3N3
MDO!]-']27V'H=E[3WC!S+.Y+N#/S,9OJG;NJU.U=BXNBA2*=N-6I)QE+14K1
ME7;\ZM=B]Y[*?R\9WIW!H#3K>&AVD!K30]3UW`V4TV@DL:=L%DVA:H"USC]*
M07.0J#%NW;(-TTN1,<QS<57+<YRJIRC'P5/O:9D[[VQW#O>XSNV][RL':.B*
MA9QH6X34E\4Y7I*4G5\(I))>DMRZ;[,[`:E[O;MZ";PWA(]EJW":+J/9'2.W
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M.W'_`&'K%^TT[WIUBWE9X&$@-CN8VMS?[)?-6['_`*;:,(6Q3,)Y"^:22:"2
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MU^^;<VYW$W%58*PV?5&@F%EDR(2K6HMO_=Z:N+U\<\-$BZ+[)`:I>92F7!PW
MF3NP<,:$G*XZMR=-$GZ**NM%]?KN;MN'=6V9NW_+/8-PE?[BR;=R_?SKT%.=
MC&ZI=,E;;DI2;3A%R;58QC[O6IV^5OW0_?GI5JVQ=G-%=Y-P]H'VHH=S>]IZ
M#[*0M"FJGM"BUY$TI=F]+EZG6J[/:^GV,*W7=,R-E5P4]KVO(1X*HG;OV8^9
M"<IM+52IK]25']GH*]_V3OCLW;+G<NR[UE;C+%B[M_&RXPG"[:BJW%;<8J5M
MQBG)*-9.E%+D]CO)WUW`.@/CA[#],GHK.>TN^M9UYA09D(X(VZ-]FZ_M"D/0
MKK(*1<@\C8V&NJ;8LHM'';.@*S5*FJ4!YR;MV4H6[EE^[*2]J:?^WV%KOCOS
M>(;!V_OW:']7=,ZS;5J=*3=VW)QM7'TR:2N)0FXT>CHUQ*?[4:Y[S='=(S'>
M!/O[M+>=OTXXKMWW;I2[4_74+H38U*<V&)CKS5Z#5H.NM9?7)V4=)JJ1;H'S
MQT4$"@<_N&\LHNQO6+;ONXWTZM-*C7.FE5IPU]=2CN?;N]NS=FEWC#>\G.SL
M65N>1CW(6XXUZ#G&,X6H*/\`)^*JE[TJ+3I;J5Y6.OWR"=I-0LNT$IWKV;US
MVML>L$V9IS0>LJQKY?2&KX&=8_O^O:-LEK/UJ3L>SYA6(<-"SS]=TW`CI98B
M"'M)$*:OR[]Q>9YCC)\$DJ+PK5-OTZ^JAF8FQ]^=S[-'N>YO61M^ZY-KSL?%
MM1M_E[,9QZK5NZG'JO2I1SE*E)2:Z9**1>I\;_9RS=P.F6E]\7B+80]]L<;/
MP%]9121D(DUSH=KG*-8I"*0,=46T?,2%>.\21\C`@5?V@,8">0WK,Y7+2E*G
M5SIX\SU_RY[GO]X=FX>_9<5#,N1G"XDJ)SM7)6I22JZ*3AU4J^FM*NAWO=74
M&V-M:K=I:K[+7KK>K5XJWS5D=T>H42VK7N(&LO$PK4J2\14F2-9$4(*@+,Q2
M7$3"'EQQPNPE-+IFXT\*:^C5,RN\MJW3<]IFMLW"[@.W;N.3A;A/S%T_"^OA
MP>J\7Z*8X/@PTKN*(ZA]9]PRO::_V74L_JRS-8/K0^I>OF=&ISIS=I=!L_C+
M>QATKV_5CUHYPH0KEV<AS/3@8."$`,;"A+RH7%)^6X?#I1>VE=/6<^^2NS;Q
M8[4P-SO[G>O;;.U=4<9V[:A!^=<55-+K>J<M>;\$6H_$EI_M/V9ZF&K<3V0O
MG4[KUK3;V[8"N*Z.CZL&V]R7*4V99+98[3.W:Y05C;U.CU56P)1#&.C6@+2#
MMJ[6<K@0J*>4X\)W+?NR<8*<N%*O5UXIZ'D?E-M/=7<?:BQH[A>VOM_&R+T(
M?EE'S\BY*X[DKDKDU+HMP4XVXPA&LI*;D](F2+H]MCL%KSM?V6Z#=CML.M^J
MZFH6OMXZ6W=/P<-7KO/ZKO+M[#2M=V"C`MVD1(S-4L;8B*3\J957)!4.H/B*
M2:5ZS*<;LL>XW+I2:=.3KHZ:537@M*'2.S-TW[;^Z-Q['[AROSOY:S;R,?(E
M%1N2LS:4HW4M&X2E&*DVY2I)MT<8QA?3#[M=\I4GL??5?[4[.ZC]0838=PUU
MUTJFAXJHLMB[78T.7<UR;W!?KQ;8"Q*)0\Q/L%D6$0U1!$I$5"G\3)^\YHCY
MN2W-3<+2;22I5TT;=4^?"G+7G0TVS7>Y_F=/(WW'W/(VOM.-^=K$AC*"NWE;
M?2[]RY)-],I)KHI1-2C1.'7<GSH_O3?M9[+=AOC_`.TEZ;;@O^EZI3MP:?WF
M6OQ]5FMJZ,NK@T20UU@H=-"'1N-)L8$CW3IJF1-Z8YC"`BG[BMRS.:N2Q[CZ
MI12:?BG7CRK5:T-[V7O>^XW<>?V+W-?CEYV);A?Q\CI4)7L>=$_,BM.JW*48
M.2^)]5:]/5+)5L6U?T+KZ]7?V`=?T=3;/:OMAYX<_P!/0CZ7]@?']7"WV?CZ
M>OKF0W15.B;EE_D-NR,ZE?)LSN4\>B+E3VT,47P94!HQZ*UO?\TH$SMWMU==
MA[[W!<W12JS-CL,U>;+&1+9V_/Y.%6,/#QY/80$WM(K.'!B%`53B.+A).PKO
M[4_>?M_0M%Z$<O\`DKMRL]EPWK(:GN^YY%Z_D7.<Y^;."J^-*1ZJ<%.<VOB9
MF/S+.NF!SYN+Y!ZML_QC[*LR,RXKM"[YT:W3J%<AGUBGUHJ`A)"1?)0L!&)J
MR,U*';H&!!J@4RJRG!2@(B&8>6U%VY.M%.OC^R^7,X9\Z<ZQME_MS<,E3=BS
MOEF<NF/5*D7&3I%<71:+F]"Y77_S`=4]DWNF:[KU4[/-Y^]VF!I\(O/=8]MP
M4&A*V*3;13!68FY"OI,(>+3=.BBNZ7.5%!(#'.(%*(Y5'+M3DHI3JWSA)+ZV
MJ'I\+YK]L9^9:P;%O/\`.O786XUQKB75.2BNI\HU:J^$55O1,@O9D,AOKYV-
M(4JWIDDJ;U%Z:S^_*=`O1!>._P`4[_L(M(+9RLU.4C/XJ,%FJW4$/)!RQ24*
M(&*`Y$DIY:KPA"M/2]*^Q)_6>?W*TM]^>.%@Y:4L+:MGEE6XOAYT[OEN5.&B
ME;DGRE;B^*1G"S+.V&#S;T0VTA\YW4R\4\@12?<KKEN?6>W6#(HD1LDEIF*2
MN-3LLFB7^6O*-6[9@Q*N(>96K4"`/`FYQ))QS(RCPE!I^FE*?55G$MWMPV/Y
MV[3EXGN_ZS@W[-Y+A)V(.XIR7.7NVHU?",*+BZYP\RSMHP!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@&$'X:*
MW!W+K7W=J%FCF\Q6[7W^[CUNPQ+LGN-)2#G%:W%RT<Z)_MMWK!THD</Q*8<Q
M,15MR3X>9/\`[S.*_*'%L9O;V^865%3QKV^9L)Q?"496[49)^AIM,QSEOFPV
M>C'7P0?ODQ_C>IVR)UF9S_MN?W?_`+OI^B;=2NU/N@#VS)(ZE`]?,CSP#<P)
M\\AEC7R_R//JZ?\`)QKQK\/NU_>.??ZCN,-F?R2\V?\`KKW7\JI_M_Z:_P#S
M#O\`P]/]+W7;I3R7TUJC(G\P%;A*;K'XVJA68YO$5NJ?(SU#K=?B6A/;:Q<)
M!M[+%Q,<V)_L-V3!JFD0/P*4,RLA4C!+AUQ^\]W\W\:QA;9VUAXL5#&L]Q8$
M(17",8QN1BEZ$DDBVSMKHS4DS\TU=9=E;GL_6VO.T'56%KFFKQKW;=OTPWDM
MNZVMATY+74M;*K*PHO57T`N5PW8KK"FJ\=M2D*995,,Q[MN$LNEQR49Q5*-Q
MU5=*IKD]%Z&:/NG9]KN?.2W#N&[D8^W[EMBC8NV[TK*=^W.*=IR5/V8UHWK*
M=I*LI)%[%B^''I2[4K:%]OG9>P-DK7`R5>A-@]M-LS\._MD0\))096D+9;0Z
M8R$JBX;>21")F6X`WC^.7?R=BJJYO5<9R>JU6C9[7*^4W9]SRX;A?SYP\Q=,
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M'Z7OG2BY6N0O=7KD59C"+K;6FD9UR^L=)CZ2NJFH_*5=1`XF23.H*)S)DH</
MRUV"M-JW.5.ENJX/6/A2G#@:+<<!_*_NO9[/:V3>>S;KG1Q[NWSF[D81N22=
M^SU-RA&VY5FZMN72G)P;2XG6G1M?^4S<W<W9'<K9.R[A!:-[4;#T!KGJ57]F
MV[76NM<4R@*-6L19[;6:/+UZ7L%@NOF<WWCI8I%3M%_^D+XIMYMP\^Y*=UOW
M9-*-:)4\4N->.OL+7;FR8_S0W7><[O'(R+V/A[I=Q;6%"].U:M6[373.<;<H
MS<INL7*JZI0G7J5(PZCIAK3J[JCYL]^:GZGUZ)K-`I/14*W<6M>L$]9XP-HG
MV]2I&T(I3M@FK`Y<2D1$2L:T>I$<B5H[1.B<A%B*AE5M063*,%HH+ZZ_@879
M>U=J[1\Z\[:NTH0M8%G8W"Y&$YS2O>?9E/WIRFVU&4(R2?NRBTTI)D^_"'<(
M'6>D]L=(+Q)QM;W]U7W]N&`N%(E72#">EJK9[@_M]3V)$LG)TEY:KV%C,F!%
MXB"B?BD0QA`JJ(G8DJ1E:EI<C)U7H;;3]J/3?)7*Q]KV3)[)S)JWOFUYMZ$[
M<FE.4)2ZXW8IZN$JM)KDHR^&46Z$NG8&@;E^>;JA3==2["U,-)]?NQ56MMKA
M%4Y"`#8%@KQ)J:I+2;:F5CY&6I\(E&*R*2*AQ9+R9450(J!RA3*2EG0IP4)+
MVMQ^ZFI@YG<6W[Q\\-LP-NG&[##P\B$[D=8>;*U<E*VI+1RMQ=MR2;Z7.CHT
MT6L=".EO7[9.]N]G7'>6Q^P5#[$ZQ[6;2N3*ET'L9LW4<=<M-[$>M;)2=A0=
M/K%@B&,W]V@X.9Z^2145*BNT]XP`=(,M6K%N<YVYN:N1D^$I1T;JG1->-*^*
M/-=A=H[)G[WOG;V]9&;8W_'W2]<C;MY,[2N8\^EPNQ@FNING5)JM(SMUIU(S
M`:1^-#J?HCL%5=T5:T;DM>ZJ+6+(SKG^*78*][0>Q-7MS-:!FE$H&X3DHLE%
MNP="4#@4J(./$W\8!F3;QK5NYUQ<G-)\9-Z/UM^!UO9_EWVOLV_6MWQ[N5=W
MFQ;ET>;D2N.,)J4)/IDZ]/O->%?29*<R3HAA\ZT_^,?\FG_8GTL_^#[/F+;_
M`.KN?X(?_,<D[;_^[?<G_P"&P?\`Z*.'0P#_`+]W?(\!R'QR:S`!X#D`'=I^
M0`?J`#XAS^?&(_\`6S_Y<?OD487_`-[\Q_\`^/P__,6RA-VV.)ZR_-EHW=.T
M7B%>U3VFZD376BKWR94*SK<#N"J;")>6%7DI=<P,HM>T1@MT6?NF3!PZ<>)>
M?`XE3DK>5%R^&<:5Y56M/:J_4:[>KUKMOYTX6^;G)6]JW+:98<+DM(QOQN^9
MTREPBI4MQC6E97-.#I?I\AW8/776WISOS8&PIF.8I.]97*J5&$<N$/W&ZW>U
MUZ0@JM4H*/.<'$L_EI:02*=-$B@I-@46.`))G,%V]<C;M.<N%/K]"]9[OY@[
M[@=O]GY^9G3BG/%N6[<6U6Y<N0<80BN=6TY4^&*E)TC%LPOR>G[=H7J)_E_-
M57UFXC+C7.[/7=W8HEX4R;V%D[3&;"MZ\$^2.`&0>P?[\#19,?5-5$Q?PS$C
M;=JSCVY?%%I?8SCN7M>5LW:W8N!FQE#*CON+.49?%!W97+O1)<I0Z^EKDTT9
M0_F3_P#"_P"Y_P#V0NO_`,?0>7<[_H[O^!_<=4^:W_V]W/\`Y,/_`*MLO9T:
M`!HK3P````:EU\```````4^(````]```S)C\*]1ZO8?_`.PX7_X.S_\`3B8W
M/@J_\-K4O_\`?_8'_P#WQL/+6-_27K?WLYM\B?\`[:X?_/RO_P`S=,HFSDU%
M=:[#22(=152C6Q--,A1.=10\!(%(0A2@)C',8>``/41R\^#.H[HF]LR4M6[%
MS_N,QR_"2]9O?BUZA?9NF[K[2CV*/=_;K)K?;/F>Q+BB[9N/`QA1=-E0$JB9
MN#%'ZAF-A?\`26USZ4>!^3ERW=^6^V2MR4DHW5HZZJ_=T*0^"P`#X[Z1P`!S
MM[L@(\``<C_CM?0Y'\QX#C&'_1_SR_[S,#Y(?_;W&_\`Q&3_`/7F=55F`ROS
M;]G8L%10&2^.'5S`%P]11%YMF:;@J`!P/*?N<_Z,B/\`UD_^7'[Y%&/;\WYR
M[A:K3J[?@J^%;T$8W_B5Z,=;]T:1N&H=H;([*TGLUUOVGLG6FZ-64OL]MC6S
M2%487.77KUEA]>URQQD='5Z=BW:9/NVZ'LNGZ+@XG$Y_6S9LVKR?4YJY&332
MG)<.&B:6JHSG7RC[*V#<MAN;+N61GV>Y-NR+MK(LV\FY:4?YDG&4;:>D'7IZ
MEHYQEJ9KNLOQZ]7^LF[;3MW6-AVC9]PN-?):ZLS_`&7O"X;7F&%)F9IC8X]@
M[:6V8E'L<@XDZ[[K,Q_$O!%O;_B4S*M6+=J3<')RISDW][9V;MWL+MKMW?+F
M\;=<R+F\?E_)F[M^5V2MSE&:3C)U596ZQ;\)4XLOSGH2/LL'-5R71^YB9^)D
M823;\\>_'RK-9B]1YX'CW6RYB\_VY?:JJ'N,BQ;RK$\:\JV;D'&2\5)--?4S
M!9\5V[X7J(%F^*[LW8(_76W]"W2W_P"`$I;W",#`[]T1;[/+6>GV*A34B9O'
M3,PR<2CE%Q'D4^Y3)X)E(=1N[(AAXTU:_P#*W-)Q^'TQY4]7!^DXE\L-ZM=I
MJ[\L^Y;BL;MA7[GY:5QJ,<JQ=G*Y&=N3I%R<G-J"=>FD564+BAG7DYF'A60R
M4S*QL3'E,B0S^3?-6#(#N%")($%TZ520`RZJA2D#RY,80`.1',P[==O6;$/,
MO3C"WXR:2UX:O34PO_+JLFWW'\2SA99-LDC\C&K55'"RI$$D2$9.C&5464,1
M-(A`#D3"(``9B9/QVO\`F?@SCGS:DH[IVO)M)+N#'UX4]^/,S)A:JN(@`62`
M$1$```F(X1$1]```^X]1$<RJH[!^;Q.'FVZ_XE^DP@=^+"OTC^17JU\B-B8O
MQZ[W36DST^[)V6.9NGJ>N&DU8U;7K>]3R;5)=4D%_4;LI'"I2#X),#)E`5UT
M"*8E^7DWHWW_`$FNF7H\&_0N'M.*]]7GV9\Q-L^8-^,GL=_&>!ESBF_*4IN=
MN<DJZ.;BVZ<+3BJRE%/-?$[`H<_3F^PX2Z527H+N+";;7:-L,2\J:\.*0+_N
MJ=A;NU(DT>"(^0K>][8%]1',NJ:JN!V:SN&!D8:W&Q?M3P''J5Q3B[;CQZNM
M/IIZ:T,'ND;VQ^0GY;UNR&K%1GNKO0K4=NU!4]FM2G5K.R=\[2%1K<34Y\<I
M6\O$056='14<H"=,1;-UBF%%XW.;$A+S\KS(_P!.W%JO)MTK]5/M]!Q79<Z'
M?_S5_P#4.V?S.V=CQ9V;=Y?#=R;JDINV^$H^7-U:Y0A+6-V#,^.9AW88`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P"'],Z#U%U[AK77M.4MG2(:\;!M&U+4Q92$U(DE[_`'11JK9[&JI-R4FN
M@XE5&20F21,FV3\`]M,GKS1"W"VJ05$VW[7JS4[1L6U;#:NV-ILJS:OWY7II
M.4NJY-)2E[TI-548JBHE31(ZL_6?1"G8%'M0?6L";L"WHQM;([-\I$)HE,.Y
M.Y-$_:`^"%%7R4,G]V+47H-Q%#WO9_EX\N'F>;1>92E>=/`M/MS9'OJ[F>/#
M_759\KS:RKT>'37HKRZNGKZ?=ZNG0[/<.@M0[];4-GMZEL[HVUEL>L[<HJ3R
M0FH\*_L6G"[-6K,@:%DHT[IS%B^5\47`K-3^8^:1O3B90C.BDJT=?:BO>-@V
MC?HV([O95Z.+D0OVJRE'HNPJHS73*-6E)Z.L775,ZOL'UFT-VKHA];=@]85G
M:%/^\3DFD=8&ZY'</*I$.DE+5^;CG#&=KLJ1)0Q`<L7+=84S&()A*80&)VX7
M%TS2:+>_]M['W1@_Z=O^-;R<2M4I53BVFJQE%J4'1M-QDFTVGHRU_3_Q3]']
M([$JFUZAJZPRNP*$\%_0[#L#;6V]DGI3K[5=D"]9C;O=IR'C%DVKDZ9#E;B<
MA3?I$,MQQK,9*23<DZJK;H^&E7IHV>9V?Y6]E;'N%O=<+%N//LT\N5R_?N]%
M.'3&=R4=-'5Q;JDZZ(X6U?B7Z,;CV%<]H6[6%J9V_9$JO-[%<4[<NY:-%7J4
M=E(1X\LM>J=[B8)ZH\23`BOBW3!0H>O(^N)8]J4G)IU;JZ-JOKH]>!;W7Y4=
MC[SGWMRS,6XLK);=UPR+]N-QMU;E&%Q1UJZT2J2=;?CMZ97+0M3ZR26BJW&Z
M4H=A1M],I]3DK+2SURWH-9-D2VQ]@J<W#V8UE4;S+H%7JSQ5PX%<PJF.(\Y5
MY-KH5M12@N"7(V>;\O>SL_8K7;=_!MK9[-SS+<(2G;<;E)+S%.$HS<VI2K)R
M;==6SI>O_P`:G3;K1?PVQK353AUM-%BO%QVQ]BWB^;7N4'&.4CMUV-<F=CV2
MS+5Q%9LJ=(YF((*'14.F8PD.8HQ"Q:MRZHKWO%MM_6ZEG8?EQV?VWG_ZKMN+
M7<Z45V[<N7IQ5&J0=V4NC1M5BDZ-JM&SJ]V?%YTGW]LR4W%>]3/X_95B3;H6
M^UZZV+LK5+^[MVR23=%*YIZXMM9:6,X-T2IF6<IG<G(`%,H(```ECVIRZVJ2
MYT;5:>-.):WKY9=E[_N,MVS\1K<;BI.=J[=LNXM%[ZM3@I-I).375IQ)IU3T
MWZQ:,M-9NFH-.U;7EDI^KW>F:\^K)I6/19:XD+7_`%S)0*T861-%23F3M_,@
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M12;2JZ+5G,ZS]#^KG466M%DT9KEQ`6^[1[.)M]VL5SO-_N-BC(]T=ZR82%BO
MECL<B#)NZ4%0J21TT_/@1`1`,6[-NVW*"]YJE=6Z+AJ_65]M]C=L]I7+M_8\
M=V\F\J3G*Y=NSDJIT<KDYM*J6BHM%X(N^RZ>M(FKNC-4U+;>Q][5ZGM(S;.W
M(>GU_8MQ3?S"SNS0]!:.6%09.6#F17AF9(5H[4(0S5L@=0#<J&.(`(4*$%-W
M$O?:2;]"X?>S5X^R[7B;ID;UCVE'<\N,(W9UDW-6UTPT;<51)+W4FZ:U-+'1
M.IHW=LYV-94YHANJR:^C=5S=[*_F3/7]`B)D;!'5P\:I(G@DF[:8'WP63:D<
MF'T,H)?TX4(*;N)>^TE7T*M/O9$-DVNWO,^X(6DMXG85F5RLJNTI*73TUZ?B
M2=5&NG&AJW9HG3_8[7TKJO>>NZSL[7\TH@N^K5I8`\:E>-!.+.3CW"9D7\/+
MLA4-[#QHL@Z1\C>"A?(>9G"%R/1-)Q?)D[SLFT]P8,MMWJQ;R,*33<9K@UPE
M%JDHR7*46I*KHRSC5OQ+="]1WJN['@-+NK);*8Y3=T5UM#8NR]LQU&<H&`[9
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M?KQSD7(0NP=NXJPDJ->*+VY[9@[S@7-LW*VKN#=24XUDJI-26L6I*C2>C7`K
M*%A8NNPD37(9H1C"P46PA8I@0ZJA&<7&-$F+%H11=15=0C=H@0@&.8QQ`.1$
M1]<KI14,JQ8M8UB&-9738MP48KPC%42UUT2IJ1YI/1VJNNFO(K5&EJ@THNOH
M1].R476V3^7DF[1]9IM_8YQ<CN=D922.,A-2BZY@.L8I!4$I`*0`*%,8Q@NF
M*HC7[+L>U=N[=#:=ELJQM]MR<8)RDDYR<I:R<I:R;?'3@J(E80`P"`@`@("`
M@(<@(#Z"`@/H("&5&U+%-+_&QT[Z\[B=[RTWK&2HUT<N[)((1\5L38YJ!%2-
MO:JLK(_AM9NK6XH48YDVJYT_Y4>!4"FX0!(`*`68V+4)]<51Z\W37CIPU/#[
M-\N>T.W]W>];/C2L9CE)I1NW?+BYQZ9.-IS=M5CHETTBOA2T+E-*:-U3UTH#
M+5VEZ>THM"CI6PSC*NLG\Q)-T)6US;ZQV!V5U.R,I(F-(S4DNN8IEA(05/$@
M%(`%"Y"$+:Z8*D:M_7J_M/1[-LFU]OX$=LV>TK.#"4FH)RE1R;E+63D]6WST
MX+0^,-%ZHB]U3_8EA3VC?<]HH43J^>O)7\P=[(T.#EU)V*KRD:I(G@TD&DLL
M98%4VI'!A'@R@EX#(4(*;N)>^TE7T*M/O8ALFUV]XGO\+26[W+"LRN5E5VTU
M)1Z:]/%)U4:Z<2V[L)\;/37LY>DMJ;1U)[6U$VB$>MLW7UPN^J[U(L&R0-T&
M<W8=<V*LO)])%L0J1!?"X431(5,ABD*!0HGCVKCZI+WZ4JJI_6M3SN__`"Y[
M0[ESEN>YXG_ZFO\`>VKERS-Z4]YVI0Z]-$YIM)))I)$E]9NFO7'I]%6J+Z^Z
M[3I0WM]&2=XF'ECMEOLEOD89%XWBWE@LESG)^:?J,$9!<J117!-/WC^)0\AY
MJMVH6Z]"I7CZ38]M=G=N]H6KMK8,?R?.:=R3G<N3FX]73U3N2G)TZI45:+J=
M%J7/Y</3%O/8?J=UP[85MI4^Q.G:5M:(C55%X<]DC1":@5U@`%EJ[9HY5C9*
M\JN!2^X9D[0%3Q+Y<\!Q1<M6[JI<BI+TF@W_`+6[>[IQUB[_`(EG)M1KTN2:
ME&NCZ)Q:G"JX],E7F68U'X5_CGI]EA+2WTE-V![6I:/G*['W3<.Y+C7H:5B7
M:+Z,=M:Y8+V^A5C,'+<ADRKHK$`2A^D<M?E;-:M5U3U;:JM5HWXGC,+Y,?+O
M!RK>7;PISN6G6"G?R)QB_P##*XXOP]Y/30O"[*]0^N7<"NURI]D-8QVSZ]49
MQ6RUV-D9FT0I(R;7CW$4J_27JTY!.E5#Q[I1/Q44.F`&Y`OD`"%R=JW=HKBK
M1U1Z_N3M+M[N[&AA]Q8RR<:W/JC%RN0I)JE:VY0;TY-T+06WPF?%TS<MGC;J
M;6TW+1P@Z;J!?MOF%-PV5(L@H!3[#,0PD5(`\"`@/'J'&4?EK'[J/'0^2?RO
MMR4X;5;4E_XV1_\`QC)?;*E5KY6YJG7:N0=NJ5DCUXJP5FRQ;*;@9J,=%\7#
M"4BI%%PQ?-%B_P`1%"&*/'T],O-)JCX'3,O$Q<_&GAYUN%[$N1<9PG%2C)/B
MI1:::]#1BY>?!W\9CR66?AUZ=LHIR\^_=4F+VSN.+U^X<B<%#B>F,;ZA"$0.
MH`"**:1$0^@$`OIF/^4Q^"C[OA5T^K@<QN?)3Y;7<AWW@22<U)P5_(4')<'T
MJ[1<%HJ+3@9+-::PUUINE0>N=44FLZ\HE;;?:0=4J,.R@X2.1$1.H9%BQ212
M,X<JB*BRQ_)9=4QCJ&,<PF&_&,8148I**.D;=MFW[1APV_:[-O'PK:]V$(J,
M5XNBYMZMO5O5MLKO*C.&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`*!M6J-6WMV@_N
M^MJ#<GS8`*V>VJG5VPNVX%X\00<2\<\62`O'IXB'&0XQ?%(U^7M.U9\U<SL;
M'O7%P=RW";7J<DV5HQ8LHQFVCXUFUCV#-$C=HQ8MT6C-J@F'BF@V;($31013
M*'!2E*!0#Z!DF;"W"U!6[<5&VE1)*B2\$EHCE8*Q@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`82OFGZ-]K.[M'T1`]6;/"5F6H-JN\M;U9K8MAUZFZCYV"B6$2F@X
MK\;(J29TG;-03$5`H)`/)1$1',/,LW+T$K7%-\VN37(XU\X>RNZ.\\3!L]LW
M86KEBY<E<ZKCA52\NE*)U^&7'A[697-"5&QZ_P!%Z6H5Q<).[=2=3:YJ-I=(
M/UY1!S8ZW3X:&G'",FZ32=2*2TFR5,5=0I5%@'S,`"(AF7%4BD^-#IW;^'D[
M=L.%M^8T\RQB6;<VFY)SA;C&34GJZR3U>KXDLY)MQ@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P#'9\DFT-NZWU[UTB=,[.D]/V'<W=+K;H:P7V$KE'M$Y#T?:%H>P]H-"Q
MVQ*W;:HG*&:IE%%=PP7]HQ>0#ZX*HI5===#&94OF'W=K+6VQH>X4ND=F[!UP
M>=Z+OL3>25J8:4A-N]:.EF[:'J9[=M;5^`JMSJUBW1:%]BD;*QK5:*K02,$[
M`KI`'3=%,5N";TTK3[2=A^8B?CK_`+'@[=I.A477K1QV_K.FM@S^W+9(/+G?
M>J.YM3:?_9;U1:KI>PV:IH[.E=U0R,,A"$L\LK*)JM"LSBJ@H81T>GP^T@M3
MY9MP'O=;VNXUP]BEFVEMZ::E>M3^XR4'1'?9ZN_([UYZ:5*ZSENL.O(VYU>M
M-'=[6<.SOH%&2C(YTX;*L3NTR\P3T*E/IPJ2-5N]^ZM:_')W/WMM"Y,$=Z0G
M=OM%UPU2<KH=E0%%NLQV2>:4U57JM]I56#^_4W53^53>((GB`>O(F+4!9M[G
MFF$D=*<TEPH7]?&AVC>=HNJ5&M-SO$5=]M5*Q;+TWL^PM83^C5;C=M*7:2HT
MM?4*2XCH-U7&M_AVT99",@8MBLF\Z@G[28"4N"F:I+T&+^D?)!MN!+.=FMP;
M)VO-H66[?)!4===3J+1]%Q&@J"YZ05_=<U$:EWCL64BI'L9![IM=0TTK9QE6
MIUHDWWI4/LDVWLE6%;@N"]&OK^PJ;;GRQV%CM2H7A"`FJ[JWKROLRW[9IU.M
M+"PFW97%/B;/W@80"PN()DG%.JC:+&BQ:B"IB*K,".U3)D.9`L!0T?TYT.SL
MORSVV"M5=5V_K*7H<_HVP;-LNUZAH[;D/L#75^I`?'#<N[-)9GFK1J6`FK%(
M)0C8C!=@W&"^QFVR#\'KV-5*@K)'1II]-:'&M7S/[_K6N8FR*=($6EG<4'LS
MN%=&Z[)V1K&E6;476W1>I^P<O:]8R]]Z]PMPN"\S7]B/*ZF5:"8,/ZBAS*)/
M%HY<CHL$^6J\=/HC/=2K.TN]-J5S8-UVC&W5F!L[-JZ\!<MFD_%-95NW<"F)
MD_?11=@4_B(E\@'CTR2T]-"IL`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`X$I)L(6,D9F4<D9QD2P=R<B\4`XIM6#!NHZ>.5`3*=02
M(-TC&'Q`1X#T`<`B[3^^M4[YA'U@U=9EIQC&.8MK)-Y2NVBFS;`\]`QEI@%G
ME:NL+7;$V8V"MS35\P<G:@W>M5RJ('.7D0$M-<21)RQ1=?AGT\^4=.&3"->2
MQT8>/?S\H\9L&XNG'[1"PC9_+S3GV0Y(@T0664$0*0IA$`$0=.M?ZNA>T=<*
MOC%M*U0D[S]N*"GVB->AY6'AWSAR_P"/M6ZZ;R=;""1S`<R9Q.`>(".!RJ4+
MV!UAU\VWKB5KG9FFZSO.K()9K>)F+VQ'0<G4(=:M"LY9VE\G8"FCV!X03*'3
M=G\/9$1$#!@E-I^[Q*4L?3[J+;:]JBG67KEHF9JNFEON]-5=]K6F*0&OO!5H
M^63I$,$46/AH]9RR;N%V[9,K9=5!)14ACID,4.J2YLZ+:_7?IPQHFP[AL[1.
MH9FI1,)NRUW<[_7T!.*.FVQGL7?=VNA:?8+N'LS?IVDL)&3!,!=/Y*.;*B(K
MI)F*)3E6B>I&EPU+\>VKZK7*)-Z`U:2%VW3;Y68'6E1T(^ODM:*!;YZN;&VB
MD-!H5-LLV6HNK:A$S$Z\4:$9(RX,UW"I79VXF"LN)(5`U?U`B-?5"*UUI*AQ
M-!H?8*7EJ;6*MJ@A8ZG[Y@[U9M;R6PV%<A8-;^GYAM9RR0GL)T44TD%5'BC@
MB9C*X%9>VAW;FJ]:M8;XILS#ZGJK3>NZY?9[IK<:G2HG^I'`C`T<-KVFT65!
M-LLS8R+:@55A)KF4.N\<LXU(Q%/8`R0C5KT$>T_3O1#:^^]C;7K/7[6T]O.N
MR%QH=_VV_P!!R$6O+3"C*3UM?X(-D3]+CJU>Y<\01W"2PLGK]<S'S:KF%`1)
M@FLDJ<BOZ!TMZ<:G8,XW6_6S1-'C89Q)S+5C7-=5**9,W,_17FLIB3.W;QQ$
M14FM<KKP;E50!^XBC';'$R/)<#JD^9LP/5_I?HBH12T#I+0>KJ-1YJR6Z+<H
M4^G5RNUZ=OU54UO9YTKE1H@R0>V>D28P"ZIS<KQ*I6/JW\$@"LGXG6T;IUTN
M951S6Z=UEU)!5)D?<%*-`*:ICX&/*PV2P9:[V[$LHN4AV?NU?8E>J[..<B@0
M8Z6B&K8J0JM`1P.J7B3[:+CKO3.O%+-8)".J>OJC'P\8W,Q8NG;9JV5<L*Y6
MX&`A8)H^D91_(R#IK'QL<P;KNG;I9)NW245.0@B-6_209-]V="PT$SL*4K:9
M=FI&;9EI=BQI5C96.H(:3:Q1[^TNM3L;&"L]5FH^4L43'(1[MHF_=/)=I[:)
MD%!7('2RXNJ6Z/ML.UEV[&<A#.7<A'GB+5#/J[.-I&)<N&<DS4CY%-(SDK9R
MU4`CEL9=DZ2*"[999`Y%3""IB+(J%2.15,Y5R@=$Q#E,58HE\P,D("(*%$GK
MR'(<>N`;F`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P"DK_#/
M;'1+K7HT&XR,]4K'#1X.SBFU%[*0[QBU!RH!%!(W%=<OF(%-P7D>!^F`8MG/
MQR2;'4M-K=6?IAM1MU?VS2)W9MVNT_;[!#[SM>J]1ZSI,]`34JRDEHZ"J\#4
M)2+9+,VJ/[2Q<G4;MC+.G'N"OKUKRJ44WZ0;>BHR,0U[16];D;#JS?-/MO\`
MB3<]334'2H[83'9+N'J>J(W6&K*>EK"6<7NPL7?W-:2CH9Q!NWC>5;O'+:/%
M`.I<SI;KT/WE-V&X/VE#H/Z;!-R5MMK.TU!Y:^T4))]E7.X(Z%M\+>M=6BFI
M#`TV00011LK:49&D(PK`I4HX&[LHE214=A^.>T/==["@V57J-AG[93+S1TI/
M8]AC[-;)ZEN^EVL-04.FWNTIU1NPF&D1N*AE>*)I,R1R"S=.40;E7-X`'7K]
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M?;3#2*[2;F)"8[JQV[:+8Y91M&HKV26J&KU'I&A'"H`S<JF9(F*BJ8^">KD_
MIH<3J-T;LFH;7I"Z7.IPR=BUNVVFVLDC+RFO+"NWL=EUMI6A)VK6!Z1K6AIP
ML-=EJ`_=2(O$@FWCA8[N055<NUBE"4J\#H;5T[WY;:KV2UG"-I'7LSM/L':=
MFTC>:V][;8("DPTWM"P7]A8:%J1HX:DH%U+`NPAI#]O!F+\9)PJNX63`R:@=
M233]!1Q>B>XU+#L&VR5(@)-S)3%-M"&NE+W1DM4["ULTMFG;2_ZR6@[75C*^
MRC.A16NE82`7G7\E64VB)2$:-VLM((-A/4J'<[#Z=;QO\;LNF+:=U<GKJ8A]
MJ6ZKU>6NT6]ASSM[8=?).JZJ3JA:DX@(AG3Y#5LK''D!$S!#S9K-4SIJK%;0
M.I<>94%]Z0;XMQ[,RJM@KFOHC8D%V,EI\S:RR:3^M;`&S;MD.J2D2$9$N&P1
MD(Q[`.U9HZ(!]BK5XPC=-P4"BG)'4B6*KU=O5:ZNQ=0JM=_9+Y6-^4SL%#:T
MM]MHJ=5/(4;9M7O#VA0\GJ76]2H])KEI;5UP:.!E`BE'R;TKMPF<XK%`155U
MX$0W_HS?=X2.T=E;(U?IPEQVW7.P94JI/.(NY'H3B[5?JC0=<0:MG=5A1O(.
MEX/0<C)2R[1,&S-])B@@+DG+@\$]5-%P-5UZ7;HD'&XH^,K5!EW&SJCOZIZD
MV$YM"+*8ZP.KCMC?UVBI*JL7U7E%&<=M&G;)@XF46A?!]&C$@@HB\9D2!.0I
M+Z<R;NI'4YYJ"]FOT]44H8A-6_TS5HV?EZ)/S^OIF>W#MF]7B`JR6MJ51M?5
M:F2S&R1"J#:&CVJ90**"@&]GR,(DZF1/!2,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`17K#<5/VW_
M`(D#5!E"!JS:5MU#:32[$(\H6VE$C5)HT<;WU@>1`%E4O:<#X>Y^K](<8):H
M2I@@M%KG<BE2V[6.C;1K/>.J9FSN-AM-97+:E`0J^OMMNM6`HZNC:BS*4])R
MJ*S2#06EF99MA#_NT.W6>,/N4$E#E%73I4X.A^\.I.P=R94^K5W:E6+;:=-;
M)TY:]BT=6IT_L!K*N3,1"3FPM/2RD@\<3->CG-DBEQ3DF\5)+1TNR?HM5&3@
MCC`<6CGZJ[I:FWE0=X[$U!";.V!#Z)O$SKZ6C86A2*%DOL]$5*JW1!?5L),+
M1;FV0-BAKDR-%2!Q:LY`IQ624%J)'!Q#BTZ,JO0/9NG[_>[%K;&I;(UAL?4D
MM!Q6R-4[=KC&MWJKIVN*/-U"<,2$FK/5YVL6V,17.PD8N4?-%56CE`QR.&RZ
M28-4]1<=@@8!\`0'G@0'Q'@>!`>!X`>!_(>!P#[@'PQ@*`F,(%*4!,8QA``*
M`!R(B(^@``8!]$0#ZCQZ@'K^8CP`?WB(X!\`0'G@0'@>!X$!X'\AX^@^N`!,
M4!*`F`!,/B4!$`$P@43"!0'ZB!2B/]P8!"NG-UQ6XWNXV4;"2,(IIW=-KTO(
MFDG#18)R2JD)5)IU/1A6IS&2BW*=K23(17A4ITC>0<"7!+5#EZ,W!%[RUVGL
M2*AW]?8J7?:U(".E5VB[L'FJMKW34[][[K,YT/MYF2I:KMN7GS*@N0IP`X&#
M`:HZ$DV"?AJI`S=HL<BVAZ]6XB2GYV6>G]MG%PT.R6D921=J<#[;9BQ;G54-
MP/!"B.".)HKUBA+77X&U5V2;2U>M$1%SU?EFIA%K*P\TQ1DHI^T%0I#F1?,'
M!%2<@`B4P>@8!W6`0RAN:+<=@Y#KX2%D/WB/TY$[C/9/?:##J1TK>)VC!!$;
M@<7H2;9Y!'6.<2^U[:A2\^0"&"::5/FR=SQFN+QI"CN8"7G7F\+9<JG"NHA1
MD)(IU3M37O;*[AT@Y624>%DX^B*LD")#S]RY3,80(!A`$M&_`KZCV9:Z4RIW
M!Q6+125[37(6P+4Z[,6D9<:JK,1S=^I7K5&Q\A*L6%BAS.!;O$473A)-PF<I
M5#@`&$051Y!R)>0\@`#"7D.0`PF`HB'U`#"4>/SX'`/O(#SP/T'@?[!X`>!_
M(>!P#YY`//`A^D0*/J'H(@`@`_D(@8/]>`!,4H&$Q@*!0\C"(@`%*'(B8PC]
M`]!]<`>1>0#D.3`(E#D.1`..1`/Q`.<`M%USV[K>QM@T;7S&G6"->WF:[A0C
M21>/(M1HP5Z>[DKNF[*NZ305,NHG<Y.Q$>QX$`11;IF*OXJ"`8*G&BKZOM+N
M@,!@Y*(&#DQ>0$!#DHB4P>GXE,`@/Y"&"DI*S7RG4YW3&%GL,=#/-B6M&C4A
MN\4,"EEMSB`G[2A`Q@)D."SY2O5:1>``\%]EHH;GT]0*N$0`!$1X`/41'T``
M#ZB(X!I\R>('\B^!O'Q-Y!XCYB`%X-SP/D(AQ^?.`0UU_P!SQF_]81^SXB#D
MJXQ?VK9M4+$2ZS5P_1<ZRV=<-8OW*BC(QV_LR;^G*ND2@/D1%8A3\'`P8):H
MZ%84ZZ+6U6ZIN:;<Z:2FW64IZ+BY1K",;W!M&1T1(%NM..RE9,9&E21I4R#9
MTN#5<[AHN4R!"D*8X@K;D.0+R'D("(%Y#D0*(`80#ZB`"8.?[\`^'-XE,;Q,
M;Q*)O$@<F-P`CXE`1`!,/X?VX!2-!MJMYI%4N;NJ6R@N+1!QLRK2[\P8Q%TK
M"TBW(X-!6B,CI*88,9U@8_MN$D73A,BA1`IS!ZX!5XB`"`"(`)A$"@(@`B(`
M(B`!^(@`8!\\B^0E\B^0%\A+R'D!1$0`PA]?$1#ZX!JP"DK->Z?35Z@VM%@C
MH5>_6MG1Z:D\5,4UBMLA$S$ZS@8WP(<%GSB'K[UP4/0OM-CCSZ8%*FQ1[@O=
M&,Z]<4VY4HT+<K?4$V5VC6,8]FT*G//8-"X0:3"4E4W5/MJ;,'T0Y4.DNX8K
M)G411.(IE`K/R+R!>0\A`1`O(<B!1`#"`?40*)@Y_+G`/N`:0,42@<#%$@E\
M@,`@)1*(<@8#?3QX_'`/OD7R$O(>0`!A+R'D!3"8"B(?4`,)1X_/@<`B.<V[
M&P>[]<:05AY!Q*;'UWMG8C*?16;!%Q;34LYJ6#DHIZB<P.U'TLIMIJJ@*8"0
MA&JGGP)T^1--*DNX(*5=WBI,;A7M?NY^/0N=LK]HM5<KIE1&1EZ[2GM7C;5+
MLTRE,0[*#?W2*27,)@\3OD@#GD>`II7D52!BFY\3`;@1*/`@/!@^I1X^@A^6
M`?#&*0/(QBE+R`<F$`#D1``#D>`Y$1X_OP#Z(@7U$0`!$`#D0#U,(`4/7\1$
M>`P"%.Q6[(KKKIB][GFH.2LL;1(UE).X&'7:-I.01>347"^+19\<C5/V%)0J
MAQ.(`!"C^(A@E*KH39@@T^9/$3^1?``$1/Y!X@!>?(1-SP`%X]?RP#4(@'U'
MCU`/7\Q'@`_O$1P"W#K!ON3[(:W6VPIKQUKRFSEGGVFLSRUGBIV:N=(B91>%
MC;I,1D4V(A3G<\_9+F2B3N7JZ*'M&55*J<R*0EJCH7'\@'U'CD>`_O\`R_OP
M0:?(O/'D7D3"4`Y#GR`!,)?_`$@*'/'Y8!]\B^0%\@\A`3`7D/(2@(`)@#ZB
M`"8.1_MP!Y!R)>0\@`#"7D.0`PF`HB'U`#"4>/SX'`/GF3@X^1>$_P",?(."
M<%`_Z_7]/Z#`/K^`\X!JP"W3K_O>4WO_`(K39->KTZ@4?:^P=44JTR5JBI22
MV(]U-=[1K/84ZO6(]J"M+BV-ZJ#QO'D=.EW#]F!')B-P.">"6J>LN*$0#ZB`
M>H!Z^GJ(\`']XB."`8Q2%$QC`4I0$3&,(`4`#ZB(CP``&`?<`<@''(_4>`_M
M'@1X#\QX#`&`,`8`P!@#`&`,`\]T-JVF[?[&4VA[+KG]64.4^43OL^L-/E3/
MC52UMXWK2[>1L?<(4BB<9::ZG*I(N@8OR+LE73=$YDS&3*&"Y6BT\%]YDU^.
MUJ,9U2JU?2,^"+I^T.S-#K+20=OGRL/2J!V>W'2Z+7&SB26</1B:Q3H)C',2
M'.;VV35(@")2A@HEQ+&`W5J3Y`>QNQ#4S>&K&1=(:^[):$ZL:S_Q#K:&TMF;
MYM-1F:/N7?#BD!*IV6+I-`AHMU6:O[K4%7R*\[+&#[%6+6.*Z.*X'$ZM;(I6
M\=B_%O4-723>1M75/K'L8O92KLTE$IC1,PEJ/7VD":EV@Q,BDM3KN_V0V=@V
MAW8).7*-9=.DTSMT2+"#32DWS9<_I:[T[6MN^4NZ['OD?JJF17;2O!+['G'\
M5#1E20DNGG4J$93RLK8F[F!:$923U("*O$U69%0#W2F(!BY"(>J5/`@OHEL_
M66O=B=Y+G+]AR=A=7.-H]<*]%=VKHM`+O=EWJ]L%:1%]?&MNH,3`:INC/4EE
MFH=G$#4XI@S3>7$[-PFI))O7"TB2;2TH_`NQ^0V7#6NF:EV:,XEF[;J+N&A;
M^LY85)TX>N]6QYY+7^[FYF3/R5D4&NF-@3SX&XE.!UV:1@+YE*("(\:>)A]U
M]7.P-<<J]8((+A*[E6H]]^6.),^=RCY4VQ]J];K=5FU%;+/EE6)DX/O';%99
MA%'-[21&J/\`*!(H``KTX\N'T]A<W\2%4KJ5I=7N@[DZV2D7-=9]80^TM/:0
ME;](;!6V>TG'SQMMGLA'7VP2,W";O5]^;B)M629MIZ1=%,5^<_V2)$Q$^%&F
M;/>;5EHOW9>Y]0(&;MD#%?(+6-=[893L6_EV32N67J-6+TOL)VVE6*A/V/\`
M<92$TXV.0JB(.BK+@('`RF!%Z=7A^/T99]<]AV7L96=*]J=@(ZU@=%=C.RQ:
MMLYMV<&WL>O4?_@-UD6UK1ZKMQE$N(MO'4T>U:&PUV'[L9.#=6`8G[CS6!EY
M"JE/=YI?3["7=9Z7G1F2$JMWA.QNT-*_%O?;=U0O%!F;%:-?,=A2N[>Q+72C
M_6A;1.3J%CFZ#5EXNL0LW(K/7XLVQS$6`KI7S$-Z>"<M2<OB3J=90M$I>]=[
MCZU2L#.=;M41&Q]/:)E;](74-E,IF8=MML=B6%^GY*<A-WOTG$M$SBLFU;3\
MDY0$)`RAF214Q$_!UXD-?*_LZF/-C;OB)&)T5K?:>A=*:JM6I-C;+;WJ9['[
M!FI^S62SPSCI_%5BQU@M8_H"QP8I35@:!+F!R<R<NS)%MBF<"8+AX/Z:E-O/
M^'AONWL<\JSZ*;?(!_WM6IV^J$$W\FCM=Q17MDZZM-B(4Z-*N1Z[T4ZT@2V_
MU>=HF:`_E2!GYOO$B"2!K15^&A$&RH<ME/JBH;;LW7VD]?YB`^2M.DS_`&KF
M;M5M41>[W'>W:2,G/5Z>K,W7(Z)WC6]<J(/*NY>NDI)LU&26AS%5*[4*)7.E
M:Z?<9W-JZZ<VGXZKGK;8K]AOJ;7ZA/X:QSZD2M)--JV^*U+YC;6L,Y%XZ76L
M]H8DDFR1A46!94G`B<`')+:=)UX:F%Z$+T2/1*0AO*6UFQT`S^,35LIU+-%S
MJ3*CDW:M,[6'M,_TBO7WA&:O:V/M9*:0Q(@37)JN9,C,A5#.RB*_>KIQKK]/
M`RO;)>=D2?$W//SGN2':H.BC5W8E(Q)V78R&W?\`!1HK=%(E%@4)`M_2GOO1
M:%;E^X"4`GM!Y^(8*53K]%3#EN$>K<;-]B%/C]DJ434ZW4OI03<$GK>1O<CJ
MYMJQSW,`-VNK'(:X=J65*4_P+>/U=BC%+$LI(105GXE=&(?(*UU:=7&K^XN>
MT93X6J6CK\XHFS>O&P-<6'N5V'L5)KG5"4E9S2.F_=^.C9#&TT2I/GL[/MV"
M<Q:FRUD78,CMV+)_.K%21(8Y@QX%+X/C6G/UD8ZL8V5M3^E?7@O]4NH3Y(>K
M/Q[3DHX-(30H,U.JU-K$KVU!Y(`<3PRVP.O$35X@PG43.Y<J*"'FH8V22^+?
M@W^HB77=>GYP-[WVV[?Z]T[LQ6ZC\EB'8'7<--7YMW#V=%R-8VTT@JKLFOR=
MC3CSZXH2Y*I-U!ZWCU(IC"L&*<*HD@]4%4B?!*M-/4>AGJ/K.I:GZO:CK6N(
M!M!HO-;5>SO066=O'\]<[)6(V5GK/:)>16<RT[8[#,K&<2#YVJJY<K',=0XC
M@M2UEJ>=;KO7:`XU#<-C[ZVQIE&T)]1MVUONGIC3\WL@O>'9^Y;)=*$W:26U
MXBU6!1_#[TU[OWRC:9(!')@C)3Z#:&4)%'0)@NOCIPKIX$G5%T#>'TM6_D;D
MDW$BQ[87UG\GCVY222>GGNXG>B6:O3=_=%F`,*PCU6E*6E%IPH.TT*P:VHMR
M/BC(%7$T!_P^&GXG(NE5I%W[<66$HFX^I.GX2#LO2.3Z$7*XS=M1MC314/$Z
M\?(1?2_^G['%4&RU/8&ST;979YG$_=JR!'8-I8BL=^W)Y(3HN?.OZRK-E*;/
M:4NY/=+-["VVLWU]_F#U]<_TVC(FLS:S&[;4=6(-6@C"_N1[*1(#GC`;?[RH
M[*G[')_'`5.?#W?N*'J.I]36:D-F>O-G]9[=H[:/9OXV(*=TYT_N&S%*Q`/V
M^T[0C9[/LDT_;I&?AK?N>B2$=$69BN5F^DVT#YRH*N%ECG@BK7C6CXDB;`T_
MULJ5GJ%?V+2=:P>B=(?,DXJE097EI&--;:EI&R>C,=='M:A%IXQ(*E4VS;RG
MFCI%FF=O'C.NFZ:1`4,DG@)M\./3^)E%^1J_UZC=>F#&WTO7EMJ6Q]M:NUI8
MI+<\C+Q>B]>,+%8TW:&P]VNH4R3A774+)Q+=NLT66:L9!^\:-'CENU7673DH
MAQT,,NCI32;][JNM=C;7JF5Z,UKMEWG@XE0K.7IG3HFR$*)I"S:0C(F*OUEL
M,-%:^!E8-COJ<W>R;J$6E%"+Q`\C%E)!<:?+XJ+UG0ZQ&1HO730]?TO(7AG3
M_D,I6_.BM+>/$;0K(UN>9]U=L3&M[I)KRO\`UY$349UGV;LJ65D'P$>G-7&I
M5CBJ!.`>KUY:_9^DGRXHZQ8[A_I_LT+9IT@8]_.R=>V&WO#YPVTFPOL7UST&
MVZWQ.X5Y!P2"1UJ04;$1@G,'"!-90C/>Y=BTY$:T]WXJ%%R=2K%Y[CV"-JNW
M^IFIEZYM_I3)]'++;9Z\([)5ZP1%)TW(P-6Z?(Q-EBJ!:=7[6L);I7)IM$E>
M$>.)!T67(HW2CBED:]//G7]9Z*J)L6C[9H\9L+6UGB;G2K$WD5(&SP3C[N)E
MDH]\]B7:[!T!2E<H)2+!9(#EY(82")1$H@(BTU3B>:"IZDIFT^M]BMFQ8!];
M;%JOX&^O=XUJ\FI"=7/2=E-Q[<3#/8E90%X0D7M")D*Q'G9SB0%F&()>*"Z9
M55`.+S;3HOWOT$J;)HT#/M>Z_92>C7TKO+6^X_C;E-;[%=NY96?U^\>ZQZ?/
M;&[H7BX*A5E+4I87R4Z+!-$)EJH+9_[Z!"IE@A-Z+EK^)SRM]/RNT(I%1R@_
M^1N7^4:Y5>\0YG\BMN5WU<>;OM4?+0\S#+K_`+R'54>A)VKAB*B058%_M5TA
M_>!*80U_R=/T]M2A&FP)>)UUL2N;7K+/8U5Z&5&C?&Y8C[<>VFO:A"S;8[&5
MR(EMV;DL,:4\F^US4.MU#UA99MX0!(NTL3QHNN@BL[6(%/MU*1K%<ZXS<!7'
M6S?^&RVZ#U%\NM7@ZU:ZO5GM8ZQ4>H;$Z;5F3LS369;_`&:W1M8UE9]TO6YC
M+-I4U>D+&K[C/Q!9),))U]->G\26KO=MB:.@K%O2A'GG-GVAV6^3?HI`I-32
MS\Y-G[U[,W2;ZG3BS,#*I(1E8VG4UHU-T)`3:M;$8`,5/Q`!&CT]"?V:G1QN
MG25[N3,:KE=L]>M4;'TCO_IW6^LLYN6P;)0[+2W6_7VLM'1[&G=?VW]3QE4M
M=#W,[C[Q!65!DB](XFI644F"'5;LQ2@5]VNM*,R/?*:ZU<WI?4A/=\L$/I]_
MWBT_';&7=R;^)KSFO/*1MA(L;=G;%=N3^@)"6^U2G".S!&GC#+`]_P!T][)*
M85UIQH6%:AUQJ/9_8C0E,KT:G<NG[?NAW0G.NM>9R,F\T_(T:J=>-+3+E*FM
M&KS^GK'J6`[--K8[@6I?N(%)VU(HP)["#82P5-M+^*B*$UDXB"1W7I_I.0;K
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M3U:K[#%UJ7655[`:.3LVY8^6V3+:_P#AD@YBBN[4ZN/-<M\/L7LJT@+U#Q4_
M(K3,+LNMLZPQ3C)=V<]FAR$,0'15E%S'%;;3T_>.H[/2>B+5K#M;.]G)A.4[
M5/J[T=D>KI[2_D@V4]UE+ZAZ^RH/=,1Y54Y)[4)3?BM\4O*D6D9H8I'/[V/V
MB:/C`5:JG#4S-_*H\K,?TJNCN[RLY"4=/;75,EXE:V^FXR;94I?M?I-O;5&+
M^M*(S[7RKRKDBIV9@<`@8_AZY);A\1B%VZ&OVLYL&-ZX2VED?CE<=Q>M;&^*
MSLC9'O2QO;5.N6Y75YCYQ[K9\6!1U$^V^75@6%-!<E8&X*%++?\`22A307%7
MG7JI[2XWK)UTUO<MV=6*%L2PZK[)ZPK/6SNW?-;!KR7L=IZ_Q4:][?:B3H55
MK*,[8)YK<H[2<!//:Y`N9!5X5BT;B#0$BD()13)NCY.J^XM\T'0.I=&H_2BO
M=K:]K"A]19GK#V2M<-&[!!I4]+RW9TVUZE'RLS9C.UF%?<[=0TRQ7"L&>F&1
M!J24/&_STSB22IN3KT_%5'-H=%EKAIG<^Q=R1UQF=LZJ^%.GS6MI>]O[,I;J
MBXLRG?N#KUP>1THX*HVW!+:B;0K61E'2(SR8*K(J*$,LX*>$0^*2X.7Z#7M7
MJUI*DU?MG(U6@J14EJ[XM.N6_M>OF\O9UG=<[%"^[(K/-^1BBTFMSOB3_P`.
M($C^U<&GGJ,>FDX<*)G4*I(J]/\`%^@K?>VT*E9>\E;L,7%:(U=NJB_(/UQT
MM]B+6\RW='8%(5<4*NV.\JOV-BB8B@];KM0;4Z:HM5HN5KLHU$%#N49AT1)`
M%7IIK2GL*;U3K&2H.M>I.VNOT"ZCNT&WKE\F%1>78[V2=62^.VU![<6O6-+M
MLA+NUDI.GUS8-"K:T+'.^6$2,>B5H1$AE`/`?%I\-#H+.KU+_P"$SK.?KG*Z
M*0:3FVM`I?(POMV5M3F5`H:XV^:%1[_I0D@GLQB@Z[0%8-YL;89%H>6$J4D(
MQ?W!,#WNIU]GZC,O\>M*0J75J(K2&SM5[BI3F[[?>4:6TU(2D]J>`H$YLBTO
M(?5]'F9R8L#Z8J>MB.5H)D872B*3-FFW1`B**9"R42?O5,0VO-5=8-:I:!AM
MR4O6NN^GM@[@?*>GLUM:&475='3.YJ?V$NM8ZR,-P+2(LZHZBX;647:FM;2F
MS_MQ7[%B5$!>)L<A%;;UIQHB8^DFO*GLC?O6:5M,;9+=1M<Z'[<W/K.6^/[8
M]18ZOA^]24;U<NPQMB=":4D831KB.+5Y"136?-H9RFHD8IE3'&1)Z/QJJ_47
M=]_`U:MNGIFQ[0N:ZVZA.YG>7^(W^)#QK'Z4=;D0H\"IHMGMQS+JMZH:(/&?
MU<I%)39PC5)Y)F)0%\5E@IC6CI\18QH'=-!T=+:LNFR]A/:-HB>ZW?(G5NM-
MBV1,3[5.W:J@^X=8ENO-5K*]G5&6M-D=Z*(Q6JD:4%YJ3K:;<S5-8"J<1P*F
MJ\.-57ZM2</C9UW5K=LJ@[3M</(3=SH7QH_&8:B2=E=33@U.?WC6>^HV[RD-
M#R3@6,5:[)%-$&4F^]G]Q4;)@W.H"8G(:2)-TIZ69NL%L8`P!@#`&`,`8!L`
MFV*H``1`JO*BX`!4P4Y,`)JK!Z>7)@,!3&_'G@<`W"E32*(%`B9`$QQ`H`0H
M"8QCG,(!P`"8PB(C^(\C@%"&M.N&&P8?7W[C76VQY^IV&^PT`FB@2<D*A6I:
MMU^Q6)N9-'DT?'2]SC&RIQ.`B=Z0``0\A`3K2O(K5!!FDJZ5;(MDUG"Q3O5$
M$TB*KN"(I)$,Z.F`&56(W(0H"?DP$`H?0`P0#)M%4U4CIME4G8JHKIF*D=-T
M;VS(K)*D$!*N/M)"4Q1Y_240'T#`(_O.IM=[(CZA"6^O-I**H-[I>SJQ$H.G
MD6QC+EK^7)/4J749Q3EDB\2@IYJF\0;KE4:BY;IG,F8R9>!-6B1%!1,4R:HI
M"0X^P<B@D$IQ4*`>R8IO0PJ%-_"/U`<$&KP3`_N^!`.!/`5/$H'!,!\O#SXY
M\`'UX^G.`<5LUCVHN731LR;F?G^\=N&R*"0O%/;*4'3E5(I1<']H`#S,(CX@
M'KQ@')X2,J'()F62)R'\(JIIJB(<A_M$(J*7]QA+_9@&RLS9N&JK)PU:KLG!
M%$UVBR"2K5=-41%4BJ!RF24(H)A\@$!`>?7`-:*39,"@W30("*96I01(F4$D
MD?0C<H$`/!-+\">@%_+`(6UUMBNW+:V^M90]:6B)+3DSK]M/SO\`U>#*VNMA
M4.-N[*09`T_WDPL&+XK94[C]1U"")1$O&"6M$RF]F]C-8TLKM9LFUOE@JF]-
M)]>;7#PIV1I>CV[L)9M9P,,G**/B%*BBA!;/B9=TBD8QUF*A2@`G$"@)2;^H
MN(%NP%1.0%%F*R"+@J3X4T?<1;N3)JN@3<^/DFBN=$IE.#`4PD`1YX#!2',?
M'O&_VKQBS=-05(X^W<MD%VX+IJ^^1?VE2&3!5-</,#<<@?UYYP#F8!UH1<.5
M-JU+'1I4FKDTDQ;`T:@FV>%4.<[]JB"?BBY*JZ,(JD`#`901YY-Z@1;MO<L7
MJ23TU%R,-(3"NY=QP>G8Q2/7:(EA)*<J=UMB,W)%<G*9:-1;TI5$Q$N5147(
M(!X@;@2E4XENVU7]>[7TCJ(M;<+/MW/]EMXV5C/V]M&UYU1:D>]RBDLW'P<+
M*3B0B!/:`3"L/F?T]<!*J;\"8VL>P8H(M63%FS;-Q4,W;M6R+=!`RHG%444D
MB$32%45#";Q`/+R'GZC@@M/W9V[I^D=GUO48ZAWMM:WRFNIC:2[72>NV5[_I
M6@PEBBZF]EY./+8(NP.U%):42318Q#*2?+E*;P0,(``BI1JJDX:JV+K#=]&K
M.Y-5S4-<:;?H,CN"MC!FJW5DXM-RX;+QSY&1:,YF->Q,F@NU>QSU)!W'O456
M[A%)=-0A1#36C*HMT^>I5*S69M7I^V+5JNS,ZVJ51:LGMJLZL-&.I%&N5=C(
M/XJ/>6":%J#9DBNZ;(J.%"%.JF41.`@W88S"38L9\\$>$D+#'Q+]XQEV3%M8
M&RP-4GC:-F@;*NB&DX83"0Q"K+$143-X'$``P@=JLV9.0<H.$&JY73<J#Q%9
M))4'#4_O)E1<IG*8%FY_-0H%,`E'DP?B.`47;K;KFBN:$C<9.`@'5JM[&@:[
M)(HI$5D;C+Q4J_8UV`\4#BA(/(>"=J`4G@446Y^1X#!.I2FD-OPVZZ_;+'$P
M#RODJ.W]V:C5;22C)5R]D-.[2L^L9J>:&9F,4D98)6K*.D2FX5*FH4JH`H`A
M@-4)<;L8YO\`<%:LV2'NO#O716[=!/W)!7P54=N`3(7S>*<E,90WZQ]!$?I@
M@U.&;%VBLW=M&CENL<BCA!P@BLBJHD9)1-19)4IB'.F9(ABB8!$!*40^@8!N
M+HMG:2[-RD@Y071,DY:KD3626;KE.F9-=!0#$416*!BB!@$I@Y#\\`V3LHUT
MV.T4:,G+,3I`HV.@@LV%1H=+V0.B8ADA.V4;D\>0Y()"\<"4.`.0":(@00(E
MP50RJ8@4G!53^8'4(/'HH<5#<B'J/D/YC@&VNT:.$'#9RV;+M713E=MUT4E4
M')%"^"A7"2A3)K%.0.#`8!`0^N`<-W$1+XB:"[-L)VK5PV:*I$(B\C4'S<S1
M88UTCX.8TRJ!1(!T3$-P7T'T]`*;UMKNDZ<UW2-6:\AFU8H.NJO`TJGP2+AR
MX1B:]7V#:(AV/WD@NY?/5DVK<A3KN%57"Z@B=0YU#&,(-U=7Q*Q!)J`BB";<
M!%`$Q2`B8"+8!,4J8I@'(H`)S``<>/J/YX!H6%BBDX.N#9-%-(KET)P3`A44
M2CX++`(<>"9$!\3#Z`!/3Z8!$U0VQ4=@S&O9B@P,S<:;L_5"^R:QN^"C8M?7
M:U9^\JRU?@'4^M(M[`G,6]C:_P!SBVQ&*C95HQ=J**I*$3(J):IQ)=,BU72<
M)'2;K(N?<2=)F(FHDX\B?;JIN""`D5Y3+X&`W/H'B/IZ8(..K'Q9F1V2[%@:
M.!)(BC15LW%D"+4J?L%.@<GL`DV*B7P`0X(!`XXX#`.!8Y1I7*]-SJ[0'*,+
M&R<X9FB"15G:L:T<21DF_N<$^[7%N/B(^OD/.`1AKK;U,V-H;6_9>58HU&KV
MG3=;W3[UC%DL]I%7MM'CKM()R$BV*JDD>*AW?@\40-[9_9$0Y+Q@EJCH=7?-
M=4+LA%Z`O*-I=JUVB[*IW8*BR$"=D:.N`EI-KAH5F_\`W%FLHK7YF#OBJYBI
M`BN82)_J`OF403:J3TDU:MTVZ*#=!!%HD5!HDDBFFFU1(0J1$6Y"%*5%(J10
M*!2@``4`#Z8(-"35D1PX?(MVI7;D$T73M))('#@K05"(I.'!"@HJ#8QS@4IA
M'P$1`..1P`BS9-3+*-VK5L===5TX.B@BB99RL5,%W*QB%**BZI4B>9S<F,!0
MY'T#`-+1JP9$!NQ;,VB:91,"#1%%`A"+K++"8$T2D*4JS@RA^>.#'$P_7G`-
MI.)B44&K9*,CDFS!?[MD@FR;$09.OYO^]-4BI@FV7X7/^L@%-^LWKZC@%"2F
MH=;3MVUOLA]66*UKU.E=@UW(MUG35I73[&8,8RW/FL4R<(1#F0EXQB"`.5D%
M5D45ERI&("ZWF)JZ4Y$AN&[-Z`(.D&SL$56[HJ+A))<$ED5?=:N034*;P526
M2\DS\`)3%Y`>0P0;GLH?JX22_60Q#_RR?K(8QCF*;T_40QU!$0'T$3"/XX!L
MG9L%E$5U&K155NDNU06.@B=1!%S[9'+=%0Q1,DDO[)`4(40`W@`"`\!@%O/:
M2GQNQ-?U2B2\%LJ983^[]!R!W6KV,`^E:PZH6WZ=L^*M%F"Q/V39GKZ.F*2W
M3G'#<KA\BP7.+=$ZOB)1,='4E&ZV!K1JP1:.H5BN[5:P5>LKU.@Q$*_D&[6Z
M6>+K[^<>1DE)PD>2MUMO-J2LR?W#*IQC9PJFBNJ!45`*W0;LVP)-VR#9`&K=
M-%%!!-)(&S3^%)))-,I01;_R>"E``+^CT^F"#;691SM(&CAHR=((J(+@U600
M622524!=LL")R&(11)4@'(;@!*8.0]0P"FI*[TF,NU=US)SL4VO5VKUIL5<K
M*Y@_=9ZMTAW6V-KD6R7@8%6$$\NT8FMY&``,_3``'D>`HZ5Y%6>VW/[I?;1/
M^DK=8O@0WZ`+YE05#@?T@17D"CZ<&YX]<`A`NWZZIV3?Z"/67!;(STA![@4N
M1_V[]N4AI+84S2V-9`!_ZR^^0E8H[HO/\CA0/']?."::5)O!-N04B@1$ABF4
M,@4"D*)3&`PJF2#@!`Q@./D(?4!'GZX(**N=JU[KN-+-W>1@:U&6FSU"D"_D
MT4DDIVTWVP15%IT"N8J)S/GM@L$VTCVY5`,`G7*41`O(@&K*2U#MR#V9);AK
MD+`.:^32.VY'3;I-<['[:7=0]&U_=#2\,W9#_NL1]G?D&Q4U`*<JB!QX`IB<
MB6J$N.&4>\068.VC-TU6X.X9.$$%T%045%4#K-E"&3/YKD$W)BCR<.?J&"#D
M&!(I@5,"93\`D"AO$#<*'*!4P./KP=3@`#\3<?C@&RZ:LI%NNR>MVKYJIPFY
M:.DDG+=3CP5*1=!4ITS?[)@`P?D/Y8!I718.TT5G*3-RDU6(];JKD163;.&X
M']MVB=0#%160`QN%"B!B\CZA@%,-KU2%+[(:P:ST4.P8JGP=XD:JD;B69TN<
MEYZOP,ZLD5,"%C7TQ6Y!NB/ES[C53T``Y$*:5Y%9X`P!@#`&`,`8`P#SBW)I
MH>9TY\E+2](U]U\G"C;OY'LHNR.5E>P[W6"D/LI;2S?247(K#;7NF7'6HD":
M.3KJ1XDZY7'N`,G]U@NZU7[FAW^]MDZ#[6;-['#3>TVF8'647UC^/LZVSKO.
M?NW66TW&"[(]A+\WTOLZ8:V2K0]AI6RV2+*&M+%E+(ND6S\B#CR4`6:D!5BE
MHZU?W(CUL]U=L.V];-Z4'1>F]+[PL?QT=\J-U/80;>#5AI#?NI=K:ZK6G2]=
M[).0%54M$586`3-AI`(L&KUS5)D[DK8B)UP*'"JY51$>Q4^N:N@[6UZ82PGC
M9;XLMS*=PG5%G+"6P([(7F]%HZ;EMX/FKL9")[3_`-2.+[Y+RIDK@0A9(77!
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MK;6O'C].1F/^1/8,'1>M:A;71J-<:I?]E:FUO95MOO9:-TM08NX7>(;_`.(F
M[7,&)7@ZUJCY!$S]N=5NS>K*(M7;ALT67<)241568>.M]'H.WMEZ`U=.&HFR
M-&P/R%]P2UBNZQBKC6.N\A!1'3VG;`C(ZC4R;M%F2<:E0V5-/)=@Q%^^KSF1
M$';$HMA;%)!7)M>NA5VE/\/G-[ZOFK3IFM\D,IW/["QW;UFA(.S[C4U(!-^)
M[%:;@CP<&?-]%,H!.I#21D2$@DS!7QAA\SI><A\_W*:$22VZZ/>^JFB=<4O8
M7]0["U/\&_?6O;;@H"3E5I_6^PH?476FL+5B\J(>*]7V;$V2KRJ98UZ9*9;G
M9K+`D4G"AH)2][7]Y$W[^UE0M"V3;.O*#!.M>]>[-H?XV[[V>BJRXLB#2=UJ
MOW(O%2[%W^W.XURK+OI*<TPS4;W6:,<TE(UQNN=^LH5(#EDI3;2;XU?W%YWQ
MQI=?$-Z?(*CU=&MFTR&UM'GKQJ$H5?6!I`-`U)">_P`+W+(RE<6IJ<JW4(/[
M.<T625(]*EPH"H8(E6BKQ++-JZ8ZYGVYWWU\VI]%K^P]B?(E\<[^XP]:^WK&
MR+%IB^6?I-(S\TJK#+,K2-$M>SCSOW4@@8K968.^**H.`4`(*DW1/T/\2G>P
MU,B=86BTZ@K<3IV@]/ZO\DL<A>*5N)"SQ_52JLK9\?VM+I28C8$36'C"/K^K
M9_L!.K216CDR%7&XNF9W28*+%`TA:JO[5/;Q,L?4?4$3,]#X72L]LZG;CHUQ
MJ>WZ9'775TQ.RU(/JR\VR],JS4:+8I^9G)V5KVNJ-,MZ[&O5GJZBS:+34!00
M$!P42?O5,(J>S-RM:ZV[)*/+H.RG=/6^%%=B(3(@7>;76)(QAL4(_P`!0(`]
MS$G,?^Z@3R^S6`!5]O@<@N47#V_3V$G7BK:CU[+[RI8J-F7?_7';_K)K_I5&
MO91ZIN='0E9;]?('5#/5+11R$D^T2_U^UM!KNHQ(:"64-83S(^Z17QDC5Z_L
MTU)[IFL:A64M0;#KD#X7O8WS(]BT+/:Y!>5E)68B:7LKO;%:_AW#V07<N&-0
MJS%V8D>P0]EDV!RLHF0%'"ISP0WR?"GZ"!NHLMU@A-P?&S:8N38E[4L-4]H)
MCO!)`O+/+Y'[29:I*^W$Y[()"+A\POS39["4+"$FB$?!&).TXL!CBB4!,JT:
MY:4/1Q1[I5MDTNH[$H\RVL5+OE8@;E4+`R*N1G.5BSQ;6;@9AJ1TDW<D;244
M]26("B9#@4X>10'D,DM<#&KO+?FF>O'R.5*W;MV35-:0$GT5OD;"O+1)$9+6
M*7:;YHK]:"J\<4JLG9["+0/-./CT7+U8!`$TC"(!@K2;AIXEJ^A;Y`=:MF:=
MVYV(?N>O5$WK6/E+VQ2X+:)%J@K"%WCVVT?NK6>MI*(<^!6&W+#K9%W.$K0D
M_>0=*OFB2!W#==,!4U546M*$%:<HM;NNAK_L^Q0TG+W#7'P.]9)76TI-K3P.
MZ98+IJ[NG$VF;B8AVN1&-O4E#(IQ[E\9']U1:^;8%"$44(>`W[U/XOT'?;*U
M?4W5?[H;]>0CQYN'5=F^-IUJB]N'4LXG=:.FVN>LSB0?:Z4,X$M5>S@R2Z4R
MJQ*D>7;<-GPKMR`D$BNJ7+4X]G<=?2[GH;NXR3=MWU6^9$L3/MUY623VVMIH
MNZK*&HH^:8^^244ZYJ];D*PO"E73"M&E/MCH_P#6HF$8&M/X>GZ?:9#/E"H^
MC[`ATHMF^JSKV3HU,[J:]0G[+LIC$*5>IURU479$6[--S$X4(R#A9RTMX1N<
M[A1)NL]!H0PB<4PR2F#:K3P+-:%JJITRT:LWQ2ZRC&[ON7S%]QZ1*["\WXS\
MG19NR]P(H*`[D#JF.EK)Z>OQK@8@H!%_?(E?`E]X/OB)KRY=*_`T?$K55GNP
MM9[`6VWUU:;<2ZVW&#[9ZDI,AL=7LQ>-P2%QUZ]L-R[405ZL2[B.V!J_932P
M,$GJ\<D)BV!=M'*!%%;)@$WZZ5T)S[E04S&=PJCH^,9S#BJ_)*WTA6+$+!S(
MD91BW3_8;K9>^#O7+=0$88=E]9)']C\@%,7(Q9"AY&+Q@1^&OA^)8EU\D;#4
M[9?=_6ZS:.FNR^HV7R`V?L=USI,OL5AW7[$L&:&P7<;JV^13R;63)2(-^RJ[
MZG2#.)<Q["&08D@?%!V8JPJ>JIRT]10T<G0YV.[$4+6EAZ]OM6WC7_Q?2UFA
MNDY=@UO43:R6'OM%UFP(FN"]MDU[+M3^@WB#&>G&`0TPHQ%H$FV16*B!(&NG
M&NO'U'H$[3:+;O>E^QM1Z4@VM/?4'7\=8=(5VIMBQ+&#NFEGT5L;4\/$-67L
MD:,"V^EQZ`IDX*9`QBB`@80&2VG[U688*;:)3<&QJQ8F`W&0I7S/["J.Q(=G
M)'G&B<#K/J1NAE*R,>HV.8I*JAL?I7`,$UTP!N#EQY\@901Y%?+_``_3[RLO
MCJK4]/=F:5>KEMSKG5.R$#;^VS/L[K")?WI/MKM$LO:IU!."W!`3M@+'GHFO
MYU*O2E5>%CCQ3.#1:(PATF3PWNA+14UH7=]R1Z_*=TM4L^]2E,1ZL+]<KH?4
MRFYGC5CH4W8Q*]L!NA+2M-K(4L-G%U6+$U4_=3?<@U"9&,_G`XP4QKT^[QJ6
MBQ*^I3[1AWK601-\D1_E,38&;LY"1/N4W5T=YG(FU18&6_>#=4?^[]]MP@(I
M_P!*"OX+`/[S^K!5K3^#I^W_`&G!ZRZ*UHR@?C]F$*&T?SG8]WWPUUOI]+IR
M,R_V[07E7W'9(^B;$/)+.366IP\Q4HO]GCWGN-HI)J1%D5%,QR'@2;U]%"#J
M]&ZV8]`M90FF1@H>*3^$?MZTO3;6#LL:>(W@W==.&.QRS@UY5->&VU$V4JY9
M(%O;EF;\IP4`AP$,(EUZM?WD7==@==ZVZQ7_`'W"ZTA$-6:=J*GQ"[UOK:&6
MEF]9BSP?>_8++;&WK((+."_N)M;T1DK:IE3E=Y'Q17,BHH"1E<DI59+TZ_<0
M3OO:%<V]L;;UKJEVT_;>J\W\EFOXC:EMV\\MTAU>FXN(^.36T5KP=A2U6=LX
M^8U`OO>/012>JN#U1W9V[`'2BI./(5)42K\5/;Q-#>J]>*G&5"I]Q]KZOVSH
M./Z4;O?]2[5!V"SR6G3W*3[#[7>V6G]>YJ<GYR;LFW-5ZF>T*LU%PS>.;0>+
MCU!B1\3.N8%6_AXUU,GE-I$9L/X=:#2)^K)W%I._'30F9JK+Q(RRDM)H==85
MU%-%HA9%51U))S+9$Z:?@*@.2%\0\P#)*'I/VF+JMI]#PHFO&^\WVL6779M\
M8NLI#JN$9*)-**3>2LYL\_:MSI@T"Y39&[7LK,%-*)(H1N;=P8I692JF>!D(
MK]ZNG&NOX>PR-]DW>QDOA8V(_P!T.;4PVRCT`;O=KO04>M+TROR6FX]>\._=
MCQ)(MKDVGBNC\MQ!8C\O\O\`4!<DH7]33A4L=M\OUTJ5JW)<.HL[66G4FF-/
MC.O>ZY_7,H^?ZSKNTZ[WHKT[:[=8GS99V@RO\1H-B9]L)RN(2*46BP7G.#%*
M?'W%2K^UQU^XJZP2&GNW/8J58-)-IMW1MN^5O7L!(&BY.5<T"^P]:^)>?6D(
MY%_'KHQ5SUVYM\)X.2HJ.(257;*)G]],3E,(UBO33\2'-Q+T>DM?D:U3K20U
M!V(N%^TWV=WA)=@=0N7<QV-U'$5#<-0?SW77LRA%'GE$6%6-.*Q]`.S>QZ@P
MM/79#")&9F>.8)7)NJ.[[=;N@-T[)[3VG2.QJ+?M!MIOXN*YO.[KR=DL&@E=
M7C>^UTM<T+A9:`Z#]XU:G-2M;;W):,='8HQJCEO*J%:)/TR2$J))\=?P,KGQ
MNU%G3M#VAE`;5TMM*B2FZ]EV#7B?7B0E);3&M:S+O(Y9]JS7\C*3,\*L#6[F
M66<)(-ERL8_[[[-LDD@W(F443XF*;2"&OY&2ZK(T==)W\C$[O+M!%]WX]H_D
M#[D<4D^O>PR.T&>\F":XO6NL66P2THE&&7(2,3-^QA!""!P\H*W77]VFA'%Q
MW;0]E]7=;4J@;$_J>WZR^!CM!`;/85B6E59C7VPF$%U`KZ]:MKMD8JU8VI"3
ME:DR*1KDZ4ZP4;G4.DF!RF.?`FC4M>'5^D]!LWUEUE(]6[IU>IT&TH.O;MK.
M\T9!K`BY25AEM@QDP$K9$GJBZLDYL1YZ<6E%7RJRCQ>0,9PHH94QCC);J^JI
MA3HNPM@]A8[5_9>\DFX^QL^X7QZ=0I"-<M9.,4;V[KO;'S[LJ]2:G]L%(^0[
M%7Z>AU5P`4WB%7;F$13*3!6Z+3T-_H*/HDSK^E5+;FB=?3>H-\'C=\=`-I3W
M<W1TFK*VS:$=<?D;UXU0U_VKD&KN:]OL!7B+/W!U$I=TC)Q"BJPL(A,A6APY
MUX<=/85WKI77`[4T:[A7C,_R7./DBW"PWZU9OGRNXQT2GL3<!;4TV!'.%S22
M?6=GUH3KRE6%PF%9*<L&>/']P.F)@=:?P4^GVE>]!=44S5,M\6UMHT"X@;7N
MSJ+O5?=5F^ZE',]LYPRBM'VJ"'8<H^77=V12K2[]<(7[TRAH=JH=JS]EL8Z0
MA)OWD^3)\[KT?6B'>GJIL5]5M9I[FD.M/<6JZ-N-W8P*$A([Z@Y#0,[H^K5^
M8F_;1<W!HZD)]S#LB'%R9%61.@0P`L(01%^XUZ2W/H8II$NY^C)NL#YL[V)(
M]4-DN?D(+%R$B]MI[@2+UD+%WVG1>KJR#3?Q-]'FDV7[\4E@!(TV1$/LR*@6
M1*M'U>.GZBMN\#?IHIWQF%.Z:U7:4PGQX3`TUU?';N/K19]/<5I6E!K#KW4&
M8[G0CR)*5<K4PV(#`[-$A[@+B`1ZNGW?$L2B*UN/8.R:3#]EMOZ/TMV3:ZE^
M-Z9TC>NS#K8D=O:*>L*-KB4OA>O2!)Z"@)6V7#?9+/"7=@T!>1?N'16LRFI'
M'8)"*M$M.&IF0^5>CZBMO6^CS&[*M2;!0:)VJZAV:S2>P(Z/>5BHT];LEK&!
MO]AFWDF46,+70HLQ(-I9VL9-NG%KN/?,5$3B`H@VI:>#^XLK'3FJ6MNW1V"K
ME8CR['@?ENZAU;7NR(AR\%_6]63I.EE#DZQ1W[)R#6+U[;:!;))K(M&8`PE6
MSXYG`*^*1DQ55\/X7^)2'Q]5B:F^TM2NMSVYUWJG8^N[)[?M.QNMV$C>D^W>
MU(R4LEL9QM;VU`S=A"+6UQ1GA*Q,U1ZG'*1#2$:,DH4Z;5ZI[H3X45::%TG?
M/4.O]P]GV$=LFJI7.%J?QO=T+G`0THK)*03*[QM]Z^M*_:1C&SE%@YM-;2?.
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MRG7!8'<-VR)R)EDB55&E:JIG.P6Q@#`&`,`8`P!@'%,@Q,\3<F1:C($;J))+
MF31%X5J*A!5335$/?*W%42^0`/CY<<^N`<51A"ILUFBK*+)'^T?[AJHV:%9^
MRLLHNI[R)B`A[2K@QCCY!P8XB/UYP"W_`&MNQU2MT]>](5S6R5ZLFW37VSN)
M-Y98FKQ.N=>:L/1XZZV\HO(^5?SU@;K[,C$(^(9HHG>$4<&.Z;D1$3B4M*EP
MZ3>/(5X"*#(A%W"BS\$DD"E6=&(F"JKP"%`%'!DRE\C'Y,)0#GTXP0:Q^R.!
M3F^U,5X*0$./M&!T8I150\3#R"XE(03$XYX`.0^F`492K*E<H][99"C66B/V
M=BMU-(TO<9#QL^^85FW2E<9SC$T;*3*:E3N@QQ)2',9<BSB/>(**H(+',B02
M5@LUCC'9J.&[(5&:H!'G610$[591,4@!F8Y?)!4Z7)?T<")?3Z8(-Y<K9<IF
M;DJ"Q'2*Q#M5P34*X;\%3<%,@IR"R/BJ!3@("7@P`/UP"(M([5A=RU.;M</7
MW->;5S:6Y-6F9OS,E%CO],[0MNI)*6;G9"9))A,N::=RV((@HFU5(0X`8H@`
MEJA#?7#L^_[`%C+<UT3:ZO2KY/;:C*+L9"5K=B8/:GJ"SMZDUE]D@T4CI"A2
M]\FU'YX&'2_>1%HQ64<KM51]C!+C3F7>)-8\!<^RV9@*RZQGGM(H<JN5DDB+
MF<^!>3KJHD(!Q/R8Q0*`^G&"DW"BU43^X*+<Z2B/`KE%,R9VX>1N/=#DID0`
MPC]?'U'`-"1&+)LG[!6C1FB@DFE[146[9)LF'B@1/P`B1$"%-P0`X*`#Z8!1
MM<LR5BF;ZF_H]EJAJ/9$:HA8;;&P[*/N\>G`5^U$L]+?,Y21=/Z@V>SRC'W7
M9&2Q92/=E!'P(FLJ)*5DMK0B.^8#KVYKKEU(W'3M[VZ><.+$\*$52;AKNC/8
M-\S4$7;E])*["053-XF1!%JH4P\B0!"FE282?;MP0:I^R@4">VV;D\$@]M`@
M!X()!XAX(I\>A0X*&"#X!&QO,A2(&]M<%%"`5,?;<CXK@<Y0#]*X^8'`1_5Z
M@/XX!I]AFJX(]]ELHZ;D6;IN_;2.X03.<OW"!%^!43(8Z0>90$`$2AR'I@%'
M4FV!;H1[,OZ9:*#^WVRX0!(J]L(F+DW1:O:I>MM[8Q2C9:8:FKMS38!)Q"YE
M2.'$:\146105.=$@FA5Y6[$BZPE0:$<NA^X7$J2)5W`II%:>^MP4%%A(@)4O
M(W/!."\\>F"#>2%$"BD@*0%;B5$4TA)XHB4A1*D)">B8E3,40+Z<%$/PP#;.
MDS4<HG43;'>)$4.W,<B1G*28B4BIT1,`JD((G`#"7@/4`'ZX!\<IL5BE%X1J
MJ1H=)\47)43E;*(B8R+PHJ@((G2,01*IZ"40'@<`U&3:I%'S(W3(<J38WD5,
MA3E.<4T6X\@`&*91;Q*3\1/P`<C@`Z;4H>!R-R@X.0GB<J8`L=,G*9/$0_F'
M(FER`>H@!?3Z8!8@GH.P;8[`R]OVGM'>4CKK1^YXNYZWU;<*1I>HT"?MS.FM
MIRJ6*NWFF0">RMAZUUS(7EXG',YETS62LL>=1R#TC-LJ<55HM.+1?:Z39.DP
M9O4VKA)UR`-714E4W/M\*B`(*@8JWM^(&^@\<<X*2)GFXZ@JK,LZ9&3&SI2G
M[?JFHKW#T!G'24CKZU6M&I2KN6M2<I(PR+.$JE6OC":EUT#N'",:L8Z22RH>
MR(FA+*3=BF[=+(HM4WS@K<SY5)-$CM<B93I-#.CD*"RI2$(8J8G$0``$`^@X
M((.DM(-+%V)J^^I^ZS<P&MJ%9*;KO6PLJ^WJ]/F[XYB%+O?3OFT<%FE[3.04
M"RC6Q73L6D>Q,Z!%+S>*G`372A(+6Q%5V5-5+^A+0U&/I=>L7^):\7$ITN:&
M8FK'&&I4;-)RAYQS9Z\$&5Z];*LDVJ361:G364.=0B0CD5:W:QY4"D:-F16P
M&4,0C=%`$`.9R9PJ8I4R^WY&=\J&$/45.3#^KUP"V^_=K-<5!U6&4&J:^NY;
MLW3.JUD0KCMN0]%V+;XE"=$D_P#>@D50D+#OVCAPD@)U!([)X_J`P`)46_JJ
M7*`+,J**X"V*W23*9NL'M`BFDH4"E,BH'Z")G((``E'@0'!`!HT(Z4?%;-B/
M%DDVZKP$4BNE44S"*2"C@"@J=(AS")2B(@`CZ!@&IRU:O$10>-T'2!C)G,BY
M1371$Z1RJI'%-4IB"9-0@&*/'(&`!#U#`-L$6(O1<`DT&1!H5$5P(C]Z#$RI
MCD2%4`]\&AERB(%Y\!.`C]<`AZ[[AA*)MG1.I5X!V^D=V/\`8C*&EF:C%)A6
MST&DNKJ^5D4%3%<J%EFB!D$O8`1!0W)_T\X)H;+C;5<8=@J]U[2K*QY6V:@V
M+N7^I6_[<6%1:TR]ZYIDU!O&Y>'BTQ*O]B-W(G`HI^#8X*#YF)R&M*FYO+<<
M-I2)H4K,5U]8D]C[EU)I!!"/.R2.R?;;N<?2X^8?B]$I7$3#.9;WW"1>5#I`
M8"`)AP$J_43"1I''9_:IMF1V"[4B'VQ$4#,UF7L@BFC[)2BBHU^WX(!>!)X>
MGTP0:Q9,3IM4C-&IDF*B2C),4$3)LU6Y120.U()!*W40((E().!*`\!Q@&\D
M*7@4J(I^V03(E!(2^!!1,9(R10)^DHI&()1+_LB`A^&`<$K&(\&K<C.-]M)8
MTFR0*W:^";@JGF>0:I`3Q(L55WR*I`\@,ISSR;U`@KMK1HK9W6+?5`FXO8$[
M$6W5-UAW\+J=I!R&S9EJY@G@J16OV-F=,:\]M\B4OM1Z3U=%J=R<@**$((F`
M2G1U.RW;N"`T3JAYLN5JSV28J6'7<.[K+((QC*JNMI[(INNA>/"+J?9G&*D;
MLDY?<F.)R)'*`F.8O()5="N*19TK+'33EQ2++04:S<+546C.XQL/$JRK.H2S
MNO,KC7DXN5E4#TVT,VP.HA=0S=PK'K$%5!`PBD4"LDVS%HLLJD@T;.)!8HKJ
MII(HK/ETTC>(K'*4IW*Q$$QX\A,8"%'\`P0$&+%L@#9LS:(-O:%$$$&Z*2'L
MB90XI`DF0J?M"94P^/'')A'\1P"DE[O0J]9Z9KE2<A8NS7:)LTO2*PB)4EYN
M&IG[(-G>12#=/[;[2$_J5A[P\E`!=$XYY]`])5GMQ[=9R]\&:#A4K=)X[\4$
MEE2IB)6J;E?@ISE(*P@F!A$`\O3ZX!\!I'-P6$&S)`'2QS+B"*"8.'#TR22A
MEA\2@JL[,0A3";DR@@4!YX#`.4*B93D3$Y"G.!C$()B@<Y4_'S$A1'DP$\@Y
MX^G(8!\]E'@"^TGX@H*P![9>`6$XJ"J`<<`H*@B;R^O(\_7`.*1K&M".03;L
M6R9U32+P")-T2'7,(',^<@4I2F5,9#D53>HB3GGTP"VS8W8J,UYMF8UNRU1>
M]A6YAHESN=-'7K*O25DGX:/V'$4/^DH6.F)>!^\EB/)P7P>\[1;%;I*?J]S@
MHB::5])<T4&I5$T2@@59)(3))%!,%$T!$I#&3('ZB)"8``1``#D`#!!;7K/L
M76=M]88;L\A4I%A#.=?SFT6M1E%HMU/L6]>;3BI4`<I&48)/W:<0J"*Q3`0`
M4^O'ECTDM4="5-37>'V7K77FTHJ)&`0VO1JAL-"+="S_`'1!&V5F,GF[.17:
M?RGK^/9OB(J*%$Q>4_TCX\8(:HRO7+=DH057B#50B!D7(J.4DCE2.R.+A!?R
M4*($,T4Y.0WH)#>H"`X!2=+N-#VK3Z=LVE2\-;J=:H:-M-)M;(A5V4E#3S-)
MS&R\2X<I)K))23)P0Q#`!#&(<`$/7C`X:%8K(HN456[A))PW73.DL@L0BJ*R
M*A1(HDJD<#$434(80,40$!`>!P"D)Z[46IR%*@IZ<AXB0V):%ZA1X]<Q"GLE
MJC*U8+>XB(TB29R'?,JS39!V/D)0(DR/Z@8"@(G4JPK1H5R=\5LW*\51(W4>
M%13!RHW3,)TT3N`+[IT2',(@41\0$>0#!!J/]OYD]SV?<5!1NGY^'FH`E%15
M$GE^HX"5(3&*'X%Y$/3`*1O5[H^K:O)WB^ST54JM!HLR2<[)F]EHQ1>2+.)8
MIG,DFHKX+2<B@B0I2C_,5*''K@)5X$<4#:]4O^R-[:8:U,8T-"V.@UY^X>IQ
M2D'9'=[UW!;1:+PD>B!C(%BVDZ5)4%2`<5TS*%_2(#@EK1/Q)T.W:JK-W*B"
M"CAM[OVK@Z29UD/?(!%OMU3%$Z7O$*`&\1#R`/7!!OX`P!@#`&`,`8`P#S6T
MI30+K<SM;7DHV<=\VWS%[#8JI-I.07V^UT2EONP*[>C4VBJYI1+K:7KL>94=
MID)_2Q9TPF'B8\>!=UIK\/2</5>L>O='T_\`'9,=@X.NQ?6O9\UV)M/8FP[8
M="KKJY;_`&T<XC^O:G8"<MS@\0]@HJK-[.TK;:>5"&9R+:-;MB$<)QY`@EMU
M=.)Q*-J\]A==?-B:RH"5BOL)UY^8=7I-<['7UI6^--:U'=5!#I"K$3EP;K3Q
M(^'IUM3"HF>J>9(20()!\%3B,D-^/"JK^)'VD=5ZMMV@=AS#7MWTIT_3Y_17
M6!EMNHQKR_'@I7;M1W-"W.!=][8>^;$K\VE8]M.XZ:H]Y0D7,39)QK(.$7BZ
MOVJ*(02VT^#^G@247:^FTW_3+LJVH?65V_@D('2U'Z'I/@D'I6Y.VUCH4'VV
M^.=`\3$+2C>US[$TZ@LO5V@3--CV0_N,4#=11W)%'JM?7^#*FB0T&:^:X:=Y
MGE0-U9):_EC-7E=T/1;:<<=@6W?FSI1YYY:<62KI[ZCI7]S-3BO1^X*U&4-%
MA]P41`-:>[\6GW$25_3R6T]';@MV_:M9[=?=6_#-1[?J-[L=2R+VZE236_\`
M=^9U-L`K>36))1&](NBUJL*FFU"DLS%P0Q163467!2":T>G[Q66_=J5>W;VJ
M\[)--!T'?>L-^_'?4H6:L,+>K!W0VW"VB=Z_V*U[%UK*1-B@8S7&@'<#L:;@
M)9;]OG(22+'3"<F+==4B1!"5%SIKZC,/TKA6$MI#;4!.Q;=_$3':_OA&2D1*
M,RK,I*(D^V^[VSIF\9N4Q2=,)!BN)3%,4R:J1_Q*.242X^Q?<C!K7:'!:XZ@
M:@C->5-O16LKT6^;>;E6-0B%*^F\L2,E0(6(EGK>,1;@M-HQ$.U;M%E`%<J#
M<A$A\2``07/VO:B>]@0VMNI#K:492=35EQK*^]`.JKK:M3LDC:XG6UAM5Q[&
M.M436]=]34&C*6*79T>J6]Q,76:,5>8DH".5*\7,F0JB,D)N7'C4C;3=$UOM
M.SQ6H#.M2;#T(3Y5J&LTK?7RMVBD]8Y>'=_'!L&TV&&H]4>V^XQDKK*:OT:9
M291:2#BLS<P5YRARJY3-`>FO.GXE9QD3U]JUNU1KSMFR@(CHC1=\_)?1*=`;
M.67:=;:AMV$W]5!T15+^C-*$HT;7X?4JUV0H[69$L.S7*H@S*1R2.(61KQC\
M5$=]LR\ZOAGFY:+/5CK]*:2VIW_J435]B]F"2<IU5U56:G\<O72VT:4GH=I+
M04+:$+@R;FC*M'/).-B7$@J*WW`ND6Z"X4>GC3\621\:;IR_NW5%;]P4F8R,
MZI=_*U`2B41:X.)"IUGO[K^O4>/@(>[2,S:8"K1U.B&;>%CY%XY=M(E!!(RB
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M;]I+CU(::V*WU]KS42)[`SK$YU[M^AEA<(ECVCV`;2R+I\Z3-,MEE"`](\'2
MGVEZ7Q0S&N:V;<>A-<KZ+VZSUC`:BFY/N+U]6%[&=C%;<A=F3!7?#P[F<#_B
MF@VE8&2MGM3<RD[2GVCP!8?<A'H24S\77U%K5L/K`-M[/<3#AN'R8E^3O6;3
M4J+QU($W3_P\GW#K,L*WJ+1LI^[FZMK=.S3*D\*!/Z6%894[P?W4J@@*M:?P
M4^GVG0U37&BJMJSJS=-XP->C^ONV>]7<1WVQM>RG*QZ3:92K7SMM$=9(O>4I
M9')XPNJJY9Q;MH-A)F3KK28_:R`F511+S@-NK2XT7X$40UOZYR.GJCJ-S"==
MO\"[!O#Y,;IJK;O<&,V+?]?1D)4.QCJHUO5VIJ:C:*G/6[:MBK-C*[JQ3R[>
M795R+`8A%T=0P(B=:UUKIP.\0UI6]O===];BV9!S-WVGK/X3NB^R-:W*TN;.
MO9Z1M]OK/M/:7&R*S]X\%[`[=1L]2C%EY=/B<3.U*BHMXG5(I(UJERZG^!.?
M:>YZB9%[64';;33A[OO#NS0]=:1NG8:-JC[76G9:2Z%]7Y396[U5;X9*N-!U
MK1DI!\R:`=,)JP'8QG'^^*&(*8IZ->'XENO;FS=?JM$%UYI3_AXJZ'5G3O4.
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MN5N;U,4H`(!#A]?W%WO2VE5K5.]N^^I]=UN/HVJZEN;4$I2J%76!8>F5IU<.
MM.J9NW*56$;D2BX=O.V$5'KQ)F1-!1^JLN8OOK+'.*9:I/F8L)[2O79WL'>.
MI6=&H479K!\T.@GFTJ57&3&OVZ3U+.Z\I%IJJ]MCX;[*?/K:V61U,G246`(R
M3.XD$@,I[CD@BNKT?\)2&TJTSIUJC]3/V>CZ?TQHW?GMO53U'L<VM#3J74I^
M1T;I.VZ?JMFCX-['0$!6%)NW7M]76DFHE6FU@72*@0CXL84L!.JK^U3VF6*E
M:!L%_P#BU9]?T]N0VX+--==Y>!UWN*H2<V>"EI5LUD)72ECKL[-2TM/R4?5E
MVL*#=^Z>N'#TC$JZBIC*"(R4UI.OI,4S:]VW>5B9;?:$O<-7_F.E&76<\(FC
M8$D:9!Z`MNLZQ)`5DJ8@51Q(:/9;LD3N!*W%RHV0Y,83)CD,JT2I^[]/T$HT
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M)DI$:4EO2H.)QU+_`+*4LLVK+=@4QY@Y?$J44#DRP@D"@@*85KIQHS&;8[]7
M.N;3<W<+JE'M[!UBT)VHF-=Z7B=7'6DM72L3V3ZO:[US>H/5C&+%Q`/M;E[U
M)4IPH:)*:(:2Z<V*`E'W^(*J5TEQ:^GV%_G</6+'0/P_W;54Q,V$[;5^@]=U
MRW6>M/IHEMD'<%,4TEVM4-(12O\`4`V:7?IO'Z2C4WW9G:P"E^L2ADE,76=2
MQ._4[KE>-B72C=84Z_,=.;;V"^+>`N,1J.7DR:EE=V2V[-HH[FB8A]6'B<,6
M:G--'IS>](LUBG=$6;IR7+E5R!A4JTJ^-&<C:L3J.IW+L5"`R@H3Y!JIW5Z\
MUSI97$`48;-B=#1+C0C#5<#I"&:&2<H];B:\2LR5O2C$_P"G@*$^$O\`S$U/
M&`JZ?N4U-J]Q%C4J/<WKB9I9F]>^.+K9W]E8-87$P+1\;M;6++-=4"1CXWK-
MKZ[Z[35GAOY1U#M5_:Y\5`+@+D_%K[.)U?9PO7E:R=GC[R4BE^X+7NKTI-UU
M;OCRJNU$NNR$[U,>TTVL&*!C2"FD2/RVY6V'8D-#?NA)4TJ/W"9/&1&NE/AH
MR<:3INA[U[(ZAIVY:BGL.BM^P?S)2[NF6Y-[*4N9<->Q6LV$"%GK;TQX.QQ\
M<WD%5HYN^27;H.")N$"%513.2$0W1:>"+1C/M#.M$M![IS#@\7`_%FBRZCO]
M@35@_=DMD5F]]B83:A]*R#IR$N[[%PU?B=:HMUHPZEI_;B-1;&,F=T(R5:U]
MW]XR[;%JU=OGQ64.K7C=%<T+"3O7OK>G*;1O;DI**P<(-]:2"%>V*(V.IC(:
M^V(_:DKU@:EE8X[Z(E7*!7*1E`.`H_;T\2Q73LIUHV+N+XX]G6S1/7+4:,.;
MN[HW6TQ3HZ$4TM<-C4+9&NC:YG>MUKEX"N&DZSL2=0L4_3&Y$$G:@N'WVGW(
MD.Y6%3JDTF^10NE=;=8Z%IKXO%NT$)38/K'LSJ_L/8VTI7<3Q8VLKOW$E*+H
M-&ASV\YJXN5(.6M1-3MKFA5B3RHH-3-3(,2IKMV)".`=6W3XJ_84WJ_3%7W7
M"+_XTU"S7Z"I_P`8V]9[1[7:0VIY)1%"+VDWP7K;<_LYY8LBCL2'T6SKAX>8
M=%"Q1J*HG262666,82W3AX_@1UO>PZ;L>B>S=M[63BZ_:*2ZU=*)GJA,6F2D
MVNT7M+GNOVKGDS):-.19*948RW85]="WP\2'"C03%G?]P!#`5:KI^&K/4G4=
MC4:^O[U%TVS1=B?ZSN2VO;XWC%3+C6+LV@("T.:S)G\"I$E6T!:8]RHF4QO;
M(Z(!N#<E`6:'FKLNLX2H=>^KMK=P^I(C6>VN\':AUVLM?9$;E(Z>M+V`OG:"
M)Z]1>_I!C(HNO\,:_8CHM8!G*K)U9E+A&$43`QT/*"ZGJUZ/T'(N-4?TG1TS
M`QFS*]MYC&?&WL\*CL/5[^RRU'7IK_NY$R=!JU%GIJ5G9^6KVOZ0Z90#!RL^
M<JNF<614#B4P#@+C[?P)`V;LVK6KOM0K17X?0VJ]R5CY%*AIJ<K\;#7B7[GV
M_7D9675+E+W=[4E8(J+I?7?9%5=(+1L:XAI&NOF3AB=-Z677*FA(2]WG2GL(
M,ZR)=>V^INI3?KV9NEV,6UKW41[AL(49+_$4VHR:3W>JY)O9@<?W-&II[V4I
M`T@98A6_L*(_L?\`N1U^8)E6KKPTH<9A3YR\[*H5=O&V.O>DKVVTK\:;WJ'=
M]\GO3#;$%7HO7^MY"71ZJ%8ST%7)*3L^Y4IZ&M$>S!:1?D<H-9A-2-.Q2$."
MT]-?UGIGC;#JOL-J^>7@7=:VGK.V)WNBRA002F:Q8QK\U/4&[5YT@Z1%K)M&
ML_#/HYR02G14.B<H"8OJ,EK5/TF"SX]]1]>;LO\`&"Q@*K2I>)UAT>W1;9^O
MUL2)URM]HJ;L#IDPGY:]5R)62BAW'2IQ=U[A)=`\E&/S'5\$UR%.5H7)-T?K
M^S4C^B;0U3MO5/2S0ANPZFL[+3?C?[F:^[!7N*EGB$_UCLB5&TA0YF2V4Y<N
MH\E*OE.FH^1738RKEC(&3CW*Z9DTB_<`&J;=.:.UIYNJER@^GCC86G.G$!KS
MK_\`(C:--K;@U)$PX]4MG/[3U!V#9HV^:SF;(U,WA&UGV8ZKL+),EY"532OD
M(5HG*22Z:*QX'O:ZO5%'*W&T]?K&OMV7&]RU<^&^WR/7^0B%B3[@EQUWV2N^
MQXQH8K1'W/ZJ<P>A)G3<B1;Q<&;+`OP8IBJ9).CT_>^GZ3K]A:VU5IVC]BM<
M=K'22?9>D]*-&DZ/.IB1E!V!);KEZ);Y^W3_`%8.W7_=WV\9SNA)N%9<8'W)
M@4SPZ;W_`*N^W*,!-MIQX5U^GJ)2WIH?7-OZ^?*?MO=FMZW;=G5[>^J6-ALU
MFC%K(UJ=<J^C.DUPO:56;2'WL=6JFPG5IB4D%(Y)%)8056<&/[0"00FTXI>'
MZ38W-JK2:ZGR$[^U=6*J]E]46GX^7_5_8E(]IW&4&M0U`T._KLKI*0@E3P\+
M%R#"0,@Y<PXE2E8L"-')EF9"I`Y!-Z)^DNBZYP=B4[[6?K.^+.$H_26V[^[*
M02XIO$H!\T[MO&TIHF+;.%?%!^A26UJW!#D0`5"LR1K0"@4`3XDA_#7Q_#Z(
MS48+8P!@#`&`,`8`P"'-/:>K.FV=SBH.3>R[BX[1VMMM\XF/VXTC'O=OWZ:O
MTS#L3,FK4Y*^PF995)J4X&.)$P%0YU`$PB6ZDL*HL7::[!9)HZ1`I"N62I$5
MDP*?]9"KMS@8OB?QY`#!P/'.""&4-VQ+GL<]Z[IP3T\LPTHQW,-L*Z9GB3,7
M]_F*"I7"-2\O2R;5]"F64/S[?@8"?Q`."::5*2IVZS7WL9N_1<-K!J6H:=B*
M:786RY&PQ")I785[KL7;XBI1E#2BW3^7BV]*DT'#N9=/&Y2.C`U3;K>)U4P:
MTJ7(@C'*`U?`DR.#5`QV+P$T#`V;+)`!S-7'`@B@J@`<B00*8G]F"#=5;-'*
M0)+MV[A`5$UP352352%5-0JZ2P$.4Q!4(L4#E-QR!@`0]<`U',W*<A%#(@HX
M\DB$.)`.N!"'4,F0IOU*^"?D80#G@.1P#09%F"X.#I-@<@W.D"YB)`N#0BB:
MBB0*"'N`W*KXF,7GQ`W`CZ\8!$&M-RQFR+_OV@Q\&]C%]#;`JM$D95=RT796
M=Q;=0ZZW`WEXE-M_,;,T8_8R+0P*_K.NV.</T&+@EJB3*)V5VCUQ0R,48@I+
MV_1[*:DZN6V+@7+=!Q1[WN![2Q9?O0O4B)*)1$#?8R3<HHB<ZC=R4I1\^0`$
MF_J)GL-K/$3E!AFM-L]I97R8DH-Y8ZZSB7E=I#%C5)ZS(SMV<O)5DY:UZ67A
MR1;8[-%\H>2D&Q#)E2.HLF(*0WSMF%Z_:,V[NAY!*V"+TMK6V[!>UF&69,I"
M08TNMOIX89@LX`&C!R\9M!21%0`3)Y@(_IP2E5T._N5P_8XNH*(Z^M=\;W2V
MU2L/F%5CH63_`*78VE<P+76VHR\K%)(TZMBG[L@NA]RZ(40%)NJ/(`"*]508
MN2JLUD6K@@E056:JIHJE$H'_`-V550.!@$H*-OT&$/JGZ>I?00;J9D#B84C)
M'%,ZB1Q3$AA34\@,JF82\B4_GZF`?7GZX!M&29?>IKF3:_N(MU4D5C$1^]%H
M"B9UDTU!#WQ;@J)!,`#X^0@(^O&`1#OC:D#H72^Y-Y/H`UD;:NH5EO,]#1"C
M!K+3R%/@G$P,2#UR'L)O%FJ/@D*XB5,#@/\`"."4JNA,B9BJD25\0Y,0IR\@
M`B7S*`B`#^'H/`X((36W13+`#1E2(.9VXR-NA]I"\'I#"+DX_6MHA&LJ]LDM
M?RS4A$`UKU8D8Q)H]6:$?."/7K<I$3@*ATQ-"9028*N_?!)HH_9I^Q[P$1.[
M:I+@53V?<X%9!-8"@;QY`#<`."#ZT19-RK(L4FJ!2KJ&72:)HI%*Y6`JZIEB
M(@4`75!4#F$0\C>0"/UP#C.%XQNW6GU`;'(UCG"II%(B2JO[<F7[M8B3@@"<
MZ!O9`_B!O$Q@`?K@%EE$MVT.Y?6G6^U:U9)WJ(;9"D3L"D%B#:IW(]M6K+5!
M?N500O,1=*/*5N*DK+%3:+UW%L#G=Q;]L1()!=,%B*"II1='J3WHS1]8T1K>
M*UW&S$Y<UT[+;KQ8+I>%8I];;KL:_P!KG+]=[O-J1<9$0Z,S.VFP/'0(L&;1
MHR1,5!LBD@DF0HANKJ3(86Q#D1.*!#N"F(FD84RG7(D43'(0@\"H5,IA$0`!
M``'!`5:MG!?%=N@L43>0E5134*)@`"@;@Y1#R\2@'/Y!@&@&K'S2X;M?=:HG
M31X11\V[=T)0432X+Y)(N!;AY`'!3^`<\^/H`!-D9VH<"-3/@10*L<"I"[!N
M5151L50W'O`B583F(`_I`WD(>O.`?3)LVQW#XZ;9!0Z2973PQ4DCG10\Q2*X
M<"!3&21]PWB!AX+Y#Q]1P"FF5WIKZ[36N&,['+WFK5FM6V;K21C?N,35[E(6
M:)K$LN3VP2(SFI&DRB2(%,)A,Q/R``!1$*:5*H**"X"H045B^0IB<O@H'DW5
M,4Q!,'(>2"Y3`(?[)P'Z#@!-5N<2"DJB87*8KIBF<AA72("916()1$54R`J0
M/(.0#R#\PP#;*DR,Y76(FU%X!4$G*I2(BY`B?FHV37.`>[XD]TQDP,/`>0B'
MU'`-#@D>Y2,T=$9.$7AU$3MG!4%4G2A`$54C(J`8JYR%2$3%$!$`+Z_3`(9Z
M[[K:]@=>/-C154E:G7AV)M>D5@DPNV5<V6!U?LFT:V:7EJ@V(3["%NBM54D8
MY%3E4&"Z)S?QX):HR;/<;%Y`5$"^RL1(0\DP]IPN!`23'U_0LL#@OB'H8WN!
MQ_$'(@T&(R([(L8C4C]=$6Z:IBI%=K-T3&7%`B@@"RB*1E!/X@(E*)A'CUP#
MH[7:ZM1*U9+A;9>.@*S2:Y+VVS2[TX$:P-:@V#N2EYEV"93JI,64>Q64.8I1
MY*F;@!$.,`I&ZZYU9OG6SBI6Z"CK?K>\?T[8GD:19['L+$BRFX6YQ#AVK%KQ
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MVW#K[(5#)D$M4]9=P?\`;Q6.\4^R%>/3524=G]@5F21R)KKI'7'];9,Z92'.
M41*`@`"/X8*3?4,W33.HJ9$B1P*4ZB@D*F8#B!"%.8W!3`83@``/UYXP"C#7
MNA#L@FL33D2;9H4A6\$K(E$9LM$/.)0"LT!O9$I(I6>(1`2^X`F5(`^(@7D!
M-'2O(MYVKV@F:%NU735,TC:=M2%;T38NP-]6JD]7H^QLJVG(3\#3*IKVJ3`M
MPV#?K[:ZRZ:)M%G\*Q9IE(LL\$3D2,)2TJ<KL#U^M_81BW@FO8C9VF-?VVER
M%0ONMZA6-1.7U@AIYL^;3ZT1;+92++;Z';W-?F7$6L_BGO#9`X*-TTG12N<!
M.G(N5@J[7:W78BD0<<R8UVN0$77HJ`3`%6S"O1K(D3%1X(+F5.9FBR9`B3S\
MO(J8@(B(#@I.T^WCU02;>PS4+'*-SHM_;0.#%5),!:F22\1!JHDD8/;$`*)2
MCZ>F`4;8K0FQL%'J9*38[9&W.8FXB3GX5C#/ZI0/Z>KLE94']\4>RC1VP8RK
MV+3CF0M6SU49-R@4Y$TQ,L024CV#W1#Z!TQL;=$E"N;4PUW#A)2$'$.V3:1?
MA]\R9&8I.G8BV;K%%^4X@IZ<?AZA@)5=")=^=59;?LVX9W+L%L2*T/*%KAKM
MHB'K>J6D#8V%;D&,N_@S;%<T=;9\'4KJM$MT[`S;RP"\9D4016:I+*@8$Z>L
M[[J]-:Q>M>P*&NJ.O0$(+M-N:'O2DA*J22MSV8M+1DI;+T#IT[=+(-[&]F$B
M-FIC%*U01302(FB1,A0==*^!<^X(S,B+5V5J+=V)FPMW!4A1<BL4XG;BBH'@
ML*I0-R3@?(.?3ZX(*+U_;/ZTJ$18Y"DV?7"\BXEXU.G7UE#QEG8$AYJ3B&WW
M3*'EIJ-(WF&T4#]D5)RH)F*Z1SE3/Y)D$O30^4>U!<(J1L4E1[-K]VVM%JJ/
MV%[8P\=-R3.H6^7K<38V@Q<K,(*U>X?9%E80QUB+JL'R)U4$%CG1((*T]IDV
M4,M[;5!5U]NU.KX(I*.`3\RM6YC\%,M[?N&!,@B/'D/`>HX!I508*KM2K)-%
M'38%%V0*$1,X;@!0056:>0"HCP50"&,3CT-P(^N`4=J[6%%TQK^JZMUI`(5>
MBTJ+)#UR#0<OGQ6+(JJK@_NOY1T]DY!VZ=+J++N'"RJZZRAE%#F.81$&ZNKX
ME;(MFS<3B@W00%555=044DTQ46<&`ZZQ_`I?-58Y0$YA]3"'(\X`*U;$]_P;
MH$^Z4,LY\44R_<+'2(@=5?@H>ZH9!,I!,;D1*4`^@8!M!'L`:$8`Q9@Q3]L$
MV0-D0:)^RH59'P;^'LE]I4@&+P'Z3``AZA@'*$A!`P"4H@<>3`)0$#"```";
MT]1`"A_JP#;4;-UE$%E4$556IS*-E5$B'4;J'3,D<Z!S%$R)SI'$HB40$2B(
M?0<`UBFF8JA#)D,57D%2B4HE4`Q?`P*`(<'\B!P//U#TP#0DV;HI%01;HI($
M(FF1%)(B:1$TB@1),J92@0I$R%`"@`<``<!@$':HT8VUK>MU[,D[E8;[>-W6
MN*EI>8GVD'')5NG5&.7B->ZTK3"`C8UNC6:8Q?/%"*N/N'SQ](NW*ZQC+`4@
MENJIX$[X(&`,`8`P!@#`&`><EIL>DW'Y`].W"O1&@M6[8/WSW%J:^4*KUV[R
M7;Z1HE8U3O*E'M/8.]K6)E"0.G]IEJD+.U^#<P;F'60>0JD?(*.RF\!=HU&F
MM*>PBRLZC>:BZH]8K5UKK=DK&]MR_$]W`>V^T4\TZOL[9=Y8:ZT/::DYG);W
M%YRSWJLS,P__`*4,Z.JZBE5_M6'M(F%+(#=9.O"J+SNCZ73$.^]P6Z0%IBFM
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M$A,E:VVL>G]EG6J"!2K_`&CAHF4I2*`7()X^N7X$(=DI1G3=.2E-V%$:4U_V
M1U=UPUOO:M[`VI7;W:^T.Q=S;[V#>.P%L)U&3KUHK"E,;ZKVK+O&<K.LPFCH
M*%\)9DA%-4Q7DE<:JM*^PNMV=K6C-8SN'MJY0(%JLM\I^NJ'V;N<F:57%#I^
MR_X?Y6V5&3>&5.:#T>M;EF;ZV-FP(Q;B,4D5Y`#(BX.$$5=4O1]I<5TCBF#F
MR]Y0^/JR:7J.J#]P*BZC'MFU_<K]JR6@0ZF]?F]C1TRUJ6Q]:,V59"Y(N@9/
M&+E[`![:Z;-#VP*8LE,N"ZN-/Q+5-C:<ZYK[+[7ZN:T>@1-WN'RX]'Y+8E4K
MS)I7KU.:6MS'JQ.MY.=1AOL;$KK6V[!6GSF<\A'O9!623,<RAG!<(J3=$^72
MR5:Y5(S76\H_65#@OZ2UI0?DJ[.0U'H\$V<L*?4JU._$I)7Z1A:W"(>,7#UA
MYL*W2<B1FW(FR3D'JHI$(8?$((X_5^):^_U!3=3=-=8/=<U(:W.;L^![M)8M
MRRZ9)J0F-HWB!UUU8EJQ8=E.W+H\E;[3`R-YFRL5WBAGS9K(.6C=1-N/M%GD
M55J_\WZ2XFKKN8V"U'4]F$L`=UX?Y$^J3SMS-23APY)>PE%[036E\U@X:-F,
M:CU@FJFT.A3XQHBDA!%:O(V0*>;;RKAP(]7PT="&=;:NE=>::ZD;2Z]5B0B>
MS^W8[Y+H!_=HXTB>\WZ9+K/LE;=9U.SR[U51Q+0$#L.GU]6!8/!,TB3L4",B
M(D\BGC4/BZ\-"X#H4KU!)W!ZYMNJ+N),^7^-[8KO=S6MO)!0%+TEM+JXB@[V
M^V44,E_Q%$D%I<EC/*A_50<E+)CQ]N&21+JH^KQ_2<_?DJQUMWLVF]T_+Z3[
M`=DM]UJWTVA5\%$GW;;I;?JWU(LCVK2<"FHI-,T.K]N6K39:2161KQF5EMHK
M_<2H/2MV\!:QUT2^IEGDN'7A30\JAU".R=OG'Q.=H#]W4:VI+.IU78AJMJS_
M``S/V217,H[_`.)4^QC7$I0FP_JL4?WD'`>P``$Z%6M=?'0NHW[N:CTNQ]Q]
M*S]V)$[AV'\E_0&UZZUO]Q(GNEBUZ^<]!$E[O`0K8AWJFN&[BD3R#Z73`(IJ
MY8.D'"I%^4S"*52?*C_$IG4%0U'K[8LI4=6URBTW8\9\TEG/L.M52-80=E9U
M&6UAOR=U"O=XF*2;2J5/EF4FX=0JCD@,G"*JIVPF_7Q!&O/ATD"4P^IQU)H<
M=1+N3=Q''5ON4/R0EB5Y,VU/O@ZS[('9)NTB9CC,)3Z7;O\`I\M5_>P!P5,5
M`A/^K?>P5.M77A54_5["8YWKOJ&E5=/6L'?:]U3H>W/C-TY9MM[0LCAZE2;/
ML&K[RU22`G]]N'MDK*EU/>ALCVMV9X\E6<O+P4Z[:J/B`*1TA"DZUXT9DEZ<
MSVOM^='IN"4TAJ*GZX0>;LU8ZI>KF"$OUPV1&UBTV6$F+[IY%W!PB4UJ'9DB
MFXD6'NL@`0743!1R4A72TE+TD8DM74_IW1]4=783N%7J=3="N/B8T[9=&Q=H
M8JP%.7WY8S6*8[,S>NVK8K5)3M#*QSNE.6"L>`VY0%5#Q8^9GF1H5OJJ^GCU
M%[OQQ:YEI_>]YVEOZO3,MV+I'4SX_P"!D9^^_N+JR5&X6?KW+'VY]HVD3F9P
MMOLLVG[-A<MDR.G9VY$5CF32(0)*9\-.%60!W54U0&ROD*/M5;V^YB*6E"_&
MZ5=>1)M+P-JRDCJK_A:2`P2*CM;M<-D+;/V(!$Q`$LY_U8"."8UHJ?#S_65+
M9]QTJN7>R:$F+@#3=<O\S^G;*SUB"\@K<PU].6[4=MC[LK!)@>09ZMDX4IO9
MF5"%AE')P:`L+HWLX(ISY=)>_P#%CK>IU'JTVND/746%YV?L;=\SL"SOOO'-
MCM3R%WUM>(K2<S)R*BTBK%UR$`C.+:`8K5@R`$FZ9$_02(F_>]!B_J4CUJB>
MD\_8WRU6COD!I]QT;<N]SZ<.8_9B"4H_=_1EI["VC9Y515O:>H*^O$FD8YP)
M1KR-81:J1W$>5/AR*M>K^'E]146[;QH??M@[=;(;]@.N"6M*9W`T9:*<V[)R
MB[CJ-V:D*QTDC868U;/3+=^W966NI*R3R6BI**3G&C2T0"+C]ODS-3MQ@*JH
MJ.M/Q*5VN[UQ93[[W#K[3;#0_8C>7Q7=1]C:ZH\7#M8;L7#T0\UN^*[%UW5S
MF-CXNW2]UH.BD(^*=##(IR;9%O%`**!Q;)@"Y)O2K.=L*K]9KI8MGTKI\E59
M#II:;!\5T#L%EHZ4?,]2O=T3/>2&C;!'P,E4G;>,;7F5T.LS0NW[<L1X=BI&
M!*#[QP$9"ZE\7Q:E:5G1&L-3;2D+EK;7[&EV.B_,G0=34&4K[9^R/1-,7'3F
MOG5NU?1T2*?:U/4UDEKU-/'T&P(A"KR$@LY,A]P!#D@5;5'^Z68:]JMBD.N?
M8J\S.W=`P?8F'Z&]Z8;M1JJB#LACW#O6R)J.35E;#V'1L-G6<I3.J=FM3*5^
M3+'IH(,Y($8%1.*73(:2I\4N5=#(QMFG]>NJW;/K-*4N.Z_['?G9:!U)6^HM
ME,=SV!U*ZO>X+<Z5[-]74E'$VY<RTI.WU_-[*6?QZ3B6BZR9\I.HJM3-G0MJ
MK3X^OZ?89O;J4!IEM(!>0&L3Q0*4!]0&*=@!0`O`^OT]/7!0>96E=0M!AJK4
MOW.JVK]6;^$BP[ALQI56>D5;/O6+A-:JU_;UH%X\5/-;GJ@VB43A;`Y\YN&1
M>JI,ED$P(4@O5=?\QN[-FM=V"D=D;%NB2?2'>V6T]T[E_CY>S;B3_P`8Y"6E
M.N.HW]`>=:B&,247=R/;UQ;!N`P@")R"<)[_`*N]H,@CPI\.M?IZBOMIPVIT
MK]\BVD&,1HGMO9M^:#[N[)GMA5%B6W]B]"6&FM8A^CUY[`M!+8BNJ'%7G]O9
MZW.FO$.6IH!%F2)7.@:3,&M$]52GJ,B,_6>O%^^+'^E=:;HUKH+0EITC!QL;
MN&D/(5MJRI!(R,:6;/)J0LS78M6K3=O.YC+(V)(QRRZ+QZ@=RV6.95.2C52U
M6IC+?[&M5\U+7_\`AVUA3]8V6B]4_EXUYK\O4HDD33FR+C5E.LX(;7ZT*,(N
M(<.HZX2KUZI">*:RR$^BY0;NGH)`\<05TH]?%<?Q(ZV]%],)^Q;SJW2AY!GU
M+/\`4_HS&VUOIF<G6%:^]GN_=+B'2Q7\$\0-&;8>5/\`EV=TBHE8"B1J:3.#
M@J8@)3E1=7B_N+JK-0JYJSLO;-.ZTJK2CZABOD3Z&3,1KNJQRD11HQQ>^O5O
M2OSB+@&)$X=@SM*T0W5E$T4R-W3L#KK%,NLJ<XIXQJ^-&1Y4]9RVK]3:1BNJ
ME&CZ#LN8N?S2NJ+&T:#9UTDCLZ$=[^JFGW#MN@@V8.'486"AF$:=T`D2;-4$
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MO2Z<*E3]^M5T-/>OR`;-8T"OI[$+\/EQ?,[XRKS<EL+-NI+>-17<,[`W;!)!
M*KU6.:QYC)J>\+)%-+_HRE#(YD1;HE_$=!M74M.7L_=;L"I6Q5W7K_Y!/CMA
M-:;'<C).;#K^`>U?X]HFQLJ(Y.J?^F8BRQMVF6\\1@5)&8;NE4GX+ID`I)";
MT7*C_$HB!V'1+QWGUC<J[#:!UCM.;[6=NM9;'UI2ZY>GO:]:F5/278^`_>>S
MU]4LR,`QH>PYNAP%@K]??00L.%XE2'?K^PHH:":>[Z*+U>PCR!U1,:AZL=:)
MGJW4K-6]V[N^&O?D]?IJBJSRFT]J7B`@^H$]%R\C+'<+S%CVW!M+I92U5TX.
MI),7,@+5D9-(2I%D5K)UX=7Z2Z$+5TSIMAZ<7+X_J[0;I1*O?>P=IN-)Z^'2
M-8+7;(/H=NZ3K]7O:#<3SI-LSK!@@U$EB+^]_>')]T'OX(][7JXZ?>8_(ZR4
MJ=IO8USJ5?KJP@=B?'9$WFZT#J?6[TTIM<N;?>.O%(6$VS:+!8Y=GLC?%2C+
M=(-)!\M&05B007$))F0J[4B<%7!JM>/,SE?(N:C@TZI!O16-2ZJG[/QI.R7]
M3G,GKD]=_P`(-NFU:3;JBHA#EUB;?9:M]Y^ZB$0:0^Q!Y_)$P#);CSIQH81#
M,=7.T:7$P#K0<5TADNVWR-DB5>US?8@=7'%Z>/-+AIH7SJ,F(*):H+T1U>%M
M=NI=R$*#``/%C]R$28L%RK_S47`O/T'!Z$J6]-85?OEL?6VW;%7^L/3&.Z-;
M>VDX<#KC9+F.+-)W*V:&=7>0D6#K=<ML7]B7D5@<KVYY&J0JPG.W-S@AUI[O
MBZD"5>9H^L(KIMO&Y2FH]V;"A9FU4.&Z>[965>;I4&X]\]CLH3?G4J.<KR;@
MFW(.84*66(K$*)2,)!(D"4B"-C*+B7K5+Z_82>Q#0H;+I:/>1S3C]54]D?+:
M$&KNEP9/3BW81'O7*)PAK&>=4+6#74NE0FAIP/A%4$!E!C/]X#D)(U_9XZ?<
M195-*M-K:5VG:M_5*TW"XZU^'BN634#C9PV-Q;:<"6SNZTMI^^`UEU2R41N^
M)U_6ZP<)M0I+,P7(</>2557`\$UUT_>_07+5?:FH]'=VXO9]VMFC=XVO;M.C
MYW9DL[.O(=M.CL?K_I]'VRY2TDFV"P>WU5L4!1A>.D00K[IE:K@!B?O`O@(W
MDIHW&GT>OWF=VOST1:8&$L]??)R<#8XB-GH221*J1&0B)=FC(1KY(BQ$EBIN
MV;@BA0.4I@`WJ`#Z8+9V^`,`8`P!@#`&`,`8`P!@#`&`,`8`P#9!N@551<J"
M)5U@2*LL"9`55*AYB@510"^:@(^X;P`1'Q\AX^HX!N`0@>/!2AX!XDX*`>)1
MXY`O`?I`>`^GY8!H2000`2HHI(E$ZR@@DF1,!4<*BLNH($``$ZZQA.<?J8P\
MCR.`:Q(0?,!*40.'!^2@/F''CP?T_4'CZ>OX8!H200021101211;D*F@DDF1
M-)`A"^!"(ID`")D*3T`"@``'I@&L2%'RY*4?,.#\@`^0<<<&]/U!QZ>N`;9V
M[=51-91!%19$JI$E3I$.HD1<"@N1,YBB8A5@(4#``@!N`Y^F`:Q33,4Y#$(8
MB@&!0HE*)5`,'B8#E$.#@8OH//U#`/B2*2!")())HI)D(FFFD0J9")IE`B:9
M"$`"E(F0``H!Z``<!@&G[=N*PN!01^X,FFD9?VB>\9)(YU$DQ5\?,4TE%#&*
M'/!3&$0]1'`-SP)SSX%Y\A-SXASY"7P$W/'\0D].?R],`^>VF(``D((`42`'
MB7@"#P`D`..`*(`'I]/3``I)B8#BF03@`%`XD*)@*4?(H`;CG@IAY#\AP#B2
M#(SQ@\9-W;B+6<M'39O)1Y&GWT8JY041*_8@]:O&7W;4RGN)^ZBJD)RAYD,7
MDH@6L:8ZNRVO-FR.Y=F;TV%O[9)J.YUE69FXP&MJ7%5"CR<_&6FR-XRL:MIM
M-A'EFNL_!1J\S*NDU5G(13-)`C9)(Q%!+>E.1=>#9N#@SL$$0='2*@9R"1`<
M&0*83E1,MX^X*13B(@41X`1YP0"-FZ7O^V@BG]RH*SGP2(3[A8Q")F57\2A[
MJADTRE$QN1$I0#Z`&`!;MS+`X,@B9P"0H`N*1!6!`QRJ&1!42^8)&4(!A+SP
M)@`?J&``;-RJJ+E01*NM[7NK`D0%5?9`Y4?<4`OF?VBJ&`O(CX@8>/K@`K9N
M11=8B")%G7A]RJ5(A5''M$]M+WS@4#+>VG^DOD(\!Z!Z8!]40063.DLBDJDH
MD9%1-1,ATU$3!P9(Y#`)3)&#T$HAP.`:DTTTDR)))D323(5--),I2)IID*!2
M)D(4`*0A"AP``'`!@&VJV;+`B59N@J5NJFN@55)-0$%T>?961`Y1!-5+G])B
M\"7\,`W@*`")@``$W'D(`'(\?3D?J/&`;1V[=15%=1!%1=M[GVZQTB&50]XO
M@K[*ABB=+W2>AO$0\@]!P!]NW%87`H(_<&3(B9?VB>\**:AE4TA5\?,4TU3B
M8I>>`,(B'K@&Z4I2AP4`*`<^A0``]1Y'T#T]1'`-G[9M[JB_VZ'OK)%066]I
M/W542"82(J*>/FHD03FX*(B`<C^>`:#,&)VZ;0[-J=JB"`(MC-T3-T@:B46P
M)HB04R`W$H"GP`>'`<<8!NF00.JDX.BD==`JI4%C)D,JB5;P!8J2@@)TRJ@F
M7R`!#R\0Y^F`?$FS=!/VD$$44O<.M[:21$T_=45,NHKX$*!?<46,)S&XY$PB
M(^N`;G@3_F%_B\_X0_C#Z'^G\7I]?K@&T#5J55=<K9`%W)$TW*P(I@JX(D!@
M2(NH!?-4B8'$"@81``$>,`&;-SKI.C-T#.42*)(N#))BNDFKXBJFDJ)143(I
MX!Y``@`\!S],`W\`T>V3T#P)P!/;`/$/0GI^@/3^#T^GTP#09LW.J@L=NB=9
MJ"@-E3)$,JW!4@)J@@H)1,B"A`\3>(AR'H.`$VS=)5==)!%-=R*8N5DTB$5<
M"D7P2%=0I0.J*1/0OD(^(>@8!I(T:IMQ:)MFZ;42J$%L1%,C<2*B852"B4H)
MB503B)@XX'D>?K@'53L,M*5R7@HB8?U%X_@Y&'BK%`-X@\M5UWC%5FSF(1M-
M1LO!&?PRAB+MTW;-RT%1(H*HJ)^1!`MST?UE>:PO=RVUL/<%SWQMBXU>N4$;
M?;Z_KZH,:Y0:M-6*RL*W6ZEK:JU6OLU96SVI[)2S]9-P]D'1D@$Z:#9N@F);
MJJ<BZ?P((\B0HCR!N?$.?(H<%'GCGDH?3\L$`"$#C@I0\1,)>"AZ"<1$PAZ>
M@F$?7\\`XQV#%0KDAV30Y'IBG>%.W1,5V<I2$*9R42""YBD3*`"?D0`H!^&`
M<GQ*`^0%*`^OKP'/ZN!-Z_7]0E#G\^,`VS-FYSH*&01,=J)C-CF2()VYCD%(
MYD#"412$R9A*(EXY*/'TP#<$A#<^12CY%\#<E`?(OK^D>0]2^OT^F`/`@\\D
M*/D)3&_2'J8OCXB/IZB7Q#C\N`P#;*W;E557*@B5=?V_>6*D0%5O9*8B7NJ`
M7S4]HIA`O(CX@(\8!N`0H>/!2AX%\2\``>)1X_27T]"_I#T#\L`VDFS9`3BB
MW01%191RH*22:8J.%0X57.)"AYK*!_$8?U#^(X`(V;)`<J3=!,JBBRJ@$23(
M!U7"GNKJ'`I0`RBZOZCB/J8WJ/(X!K52272407336163.DLBJ0JB2J2A1(HF
MHF<!(=,Y!$!`0$!`>!P#0LU:N43MG#9!PW5`H*(+(IJHJ`02B4#I*%,0X%$@
M<<AZ<!^6`?56Z"_M"N@BM["I5T/=3(I[*Y`,4BR7F4?;5(4X@!@X$`$?SP#X
M9JU,J@L9L@99M[OVRID4Q5;^^7Q6]A02^:7O%]#>(AY!]<`^JMFZZ8HKH(K(
MB<BHI*I$43%1-4JZ:@D.42B=-8@'*/'(&`!#U#`-P2%'D1*41,7P-R`#Y%]?
MTCZ>I?U#Z?VX!L@T:@LHX!LW!PJB5NJN"*8+*($$PD045\?,Z)!.(@41\0Y'
MTP#?`````````.``/0``/H`!^6`?<`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8!9K;^Z=5B-J6O4.NM-[^[`V+6SR"C-N3&E:;6I2FZIF+
M$PC9N/KMHM-WNU#C):W)5J9:2KN%@#3,NQCG2"KALG]PW*J*NG2KHB\CS)_S
MR_Q>'\0?QC]"?7^+U^GUP4E$;`V70]5U:6NVPK3%56JP3B':3$U)K&!K'NK!
M*Q\)"MW!4"++E6DI65;H)%\!$QUB_AZX)2;X%9_<(>2)/?1\W!3';D]PGDN0
M@%,<R)?+E4I"G`1$O(``A@@&<MR"8#KHD$B2BQP,J0HD12-XJJF`3!XI)F]#
M&'T`?K@&HRR)"D.=5,I%#)D3.8Y2E.=8Q2(E(81`#&5.8`*`>IA$`#`/HJ$`
MP$$Y`,81*!1,'D)@+YB4`YY$0)Z\?EZX!\26273(L@JFLDH'DFJD<JB9R_3D
MAR")3!_<.`/=2]P4?<3]X$P5%+S+[@)"82@H).?($Q,40YXXY#`.AL]MK5,K
M=EN%HFF$+6:;"2=DM$P\6`&D'!P\<M+2<D_%,#J)-VD:W.L;](F$A>0`?3`-
M^`LD#:8&$L]?E&DI`6.*CIN#DVRG^[R,5+M"/HUZW]P"*>T[:*`<H&*!N/J`
M"`A@>@[D#%$0`#%$1+Y``"'(E_YP!^)?7ZX!1$GLRA0UQI6OY.U1+2Y;&86>
M5H]?.N)GMECJ8G$JVAY&^T0Z)T88D\S]T3'+ZN"@7R'D`$T96Q5$SF4*0Y#F
M2,!%2E,4QDCB0BH$4`!$2&%-0I@`>!\3`/T$,$$,UC=$7:-Z[1T<TAGB3[6&
MN=/[&<V87;1:)FV6WIO;D&QC8]NERY2<P:^I'!G"AQ$B@.TP)ZD/@FE%4F<3
M%#GDQ0\2^1N1`/$OK^H?R+Z#Z_V8(-'O(@J1$54O>4(94B7N$]TZ91*!E")\
M^1B%$P`(@'`<A@&YY!R!>0\A`3`7D.1`HE`P@'U$"B8.?RY#`*3O5H<TRE6J
MW1]5LM]>UNOS$XQI-*1BG5OM[J*8.'R5<JS>:E8.'<S\N9O[#4CEZU0,L<H*
M*IEY,`+4@S:?:_7.MJS?I1J8]NM.KK/HVK7[7T4[;MK)57^^KG3*G4PEC.`.
MP342;7-*043345$R")B@(&,3D2HMESJ:J:Q`424(J01.4#IG*<@F(<R9R@8H
MB')#E$HA^`@(8(+)MY=W:UI[?FL.N<!J?;NZ=B7;]JF+@SU9!0SUKJZC6*+V
M4M6;39I*RS]:BW;N>D]72PMXEFNM)J1D5(O")&%LB@Z%2C55Y%22_;F-;;[L
M_7VK:,WYLB>HBNMT[]=:1!:[-KRE$V@V7D(%>:E+3LVK6!PBQB6JCM]]A%O3
M(H%X(51003$.G2M44FKW]U"GMQSK1.G;A=52/W3'];Y7L$VI3)30L7OZ5.S8
M,-5.[,-A+;#3"MGDFT`>21@U:\C8W"<6K(D>^2)0Z72HH_?W4-]V?`T&+I^W
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M=4@(J"7&GV_87K^ZD*AD043%8A"JG2\R^X5,YCE(H8G/D4AS)F`!$.!$H_D.
M"D$614,<B:J2ATP(*A"*%,9,%2^:8G*41$@*%]2\_4/I@%*66_TRG2U)@;/8
MHV%F-D6-S4:-'O53)N++9&=8L-S=1,<4I#`9RA5ZI(O#"<2$!)J8.?(2E,%*
ME6`JD90Z)5$S*IE(=1(#E%1,BHG!,QR`/D0J@IF\1$.!\1X^@X!],<A`$QS%
M(4`$1,8P%``*43&$1$0#@"E$1_L#`-!%T%#`5-9(YC)$7*4BA#&%!01!-8`*
M(B*1Q*/!OH/'I@`BR*GN`FJDH**OLJ@10IO:6`"B*2GB(^"H`<H^(\#P(?G@
M`%T13.J"R0I)BJ510%""FF9`QB+@<X#XE%$Y#`?G^$0$!^F`?!<MRHE<F71!
MN8J9BN!5(")BJB4$C%5$W@)51.'B//ZN0X^N`:CK(I@05%4R`HH")!.<I0.L
M8PE*D03"'DH8P"`%#U$<`W,`VB+(J^Y[:J2GM*BBKX*$/[:P>/*2GB(^"H>8
M<E'@?4/SP#411-4!,F<BA2G43$Q#%.`*)',FJ01*(@!TU""4P?4#`(#ZX!!&
MX>Q6N]/16RBR4FVF;SKC15][!KZX9.B-[',T*@,W2D@]9J.$Q8MTWDFW*R3.
MJ?T64`PE$A3"`E)OZR3J);&M[I=3N31LHQ1M-:K]C"-7526=1@3\.QF4X]X=
M'^6+IJB^*4_'`"/J'H(8(>AQ;)<7$%)4-C'5"TV]I=K2K6WLW5DH9U$45FG6
M[#/_`-67)>0F8UPWK"CN"3C"J,4GSG]QD&I10!(RJR0%:%.0_D!#D.)1`#`4
MP&\1,4#E`W`CP)B&`0_,!YP"&-0;IC-NR&X(YC"O8-;46Y+3IYY]^[:N!GWE
M5@JC-NK!')M^#HQJQ;>DB!%.5"'3'R]#%P2U0J#;^R8_46J-J[4?,%YQKJK7
M%SV-(P3!RW;R,DRIU9E;*K'-U7`BBU<R2,2=))14/;`X\CZ`.`E5T*FJ-C;V
MZKUZSMD3-4Y^#AYK[%55-5Q'C+QC23*Q=&2_1]RV3=E*?Z<CZ_00P01QM?=4
M3JR1TFP<Q+J>)NS<<5IZ,>1KUFDWA'LI2;[=2SSXRPF!W'(-Z&J@9-(?<%1P
M0P?I*;!*5:^@I7K#OZ2[)4^S[&3H(4JBI;$OM.US(.;<QL,W=X'7UPGJ')6R
M:A(^*:H4A21L5:=F:QXO)%46(HK*J)*J';I`U1TYER"BJ20I@JJFF*R@))`H
M<I!55$IC`DF!A#S4$I!$"AR/`#^6"#5YDX`?(O`B)0'R#@3%Y\BAZ^HE\1Y#
M\.,`T%70,*A2K)&,B!16`JA!%(#D]P@J``\D`Y!Y#GCD/7`/J:J2OG[2B:GM
MJ&24]LY3^VJ3CS3/XB/BH7GU`?4,`^)N$%4B+)+(J(J`(IJIJ$.D<``PB)%"
MF$A@`"C]!_`<`A]]N^JK+S\?1F$UM:;I>UJ3J/8,!KXD4^E*!-W)"F2ZTQ9R
M34K!M4J_4J=>X^=E5&RKEPG&',***ZX>P(FGB3""R1E!1*JF*H$!44@.45`3
M,8Q"J"0!\@(8Y!`!XX$0$/PP0"+)*"<I%4SF3.*2A2'*84U0*4XIG`!$2G`A
MP'@?7@0'\<`@3;&^VFK-A:GUV-+LEPE]LQ>W9&&3K2T7]ZFMJ:D!=5XANQDW
M3!-_*6<A@9L2BN@D5R8!54(01,`E*JJ4E5>R<Y==_1.DH;4DM$H,-%4#=NUI
MVY6R"@K#K,^UW=YC:'K_`/H:,2L9[5:RR.N91*;40D6[")`J`IKO!6`I0HJ5
M])=0DJDL0JJ*B:J9N?%1(Y5"&X$2CXG((E'@P"']X8(*.A+>]E[C>*HXI5O@
MF5/"L#'W*9;PZ53O8V*,<2+HM+<,YE[+.C5=1O\`;27WC-EX.%"@C[Q.3@)Y
M%7"Y;%0*Y,X0!L<J1B.!53!`Y5Q*5$Q51-[9BK&.4"B`_J$0X^N"#=$Y`YY,
M4/$0*;DP!XF-QXE'U]!-Y!P'X\X!MJ.&Z15#*KHIE2(*JIE%2$*DF`F**B@F
M,`$(!B"'(\!R`_E@&I19%(OFJJFF7D@>2ARD+RH<J:8<F$`Y44,!2_F80`/7
M`"BR27M^ZJFE[JA44O<.4GN*F`1*DGY"'FH8"B(%#D1XP`55(YU$BJ)F42\/
M=3*<HG2]P/(GN$`1,3S*'(<\<A@&Y@#`&`,`8`P!@#`,2G77?VF^I5_[3:'[
M*7FMZ4V#9>V6X]WT&0V*\+5XG>&M]]VIK;:+8M;V.5(VB;U(ULTP%0D(QBNX
ME(Q[!E36;IH*LSK"MIR2:X4+3[3M6GUR[VS0LS:OL]TS?S;Z7N4;K,5)!6Y#
MK:9NFF;;&7M:%1(=XRUG)02)P2F5"DAU79@9@L+LWL8*DN?+I+6[?!Z$'K7W
M0T$A"]>NTU6HK32W8BP=Q*'!-++8+(S<]FW*LA`=MGCA&PM_\?-?5=]8'J\H
MG**_<UQ5VNK'PR0>PM!.M4^#\"7]]$Z]%6[=DAOZ4_XM273K.7XNOZ2%,;*&
MH@U5HX.O'_"$:&$4#:K':X6O^J!K@C%BW_</WK_J_P`,DA5T\-:_K*NB>LFF
MKUL2LW:Y:W:6.T;`^9;M-1KW,S!95TZMFJ6=)[(2+;5]B%5?VY33+J;I42_6
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MR:+2ML;P4UUYD=&N*Y,1`L8Q>O,E8A%8`+-)NE<%;^'2M*>S_:4[6^LVKH#K
M'UY@JIJAD]D-^?"YV-E=PLUXA[8I7<M^K-(ZIVO7\KL5.1*_=7:ZUBV6>14@
MW#X%G\>+M1!H9-+A(L$MOJ?^+])5NM-/:.V:A)2NDZ;3K='4SX::,IHE'7"+
M9W5(';-RF.UE<NLG28F!.%>;;.?3KIW'.GB:7[NV6=.VXG3%RY(I)#;3U_>*
M7G-@:-[/)P=-ANS53U_3X?XI=;5O8FW)!TY?:VHEN4W]HA5/7VUUSS57CU$[
M`^BOV&XUU:5C99&&E56SH[(722F!JM:?M'=T%]HS8^S_`([]I.]`]:=52U7>
M=Z-&Z>LM-@8`NB+CN&E6BF/=.6;KQ9IZO0(*5K8MX0G)RHMQ2*X%VI(?:'=^
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M+6:C![I'L%L/L#"TF!EV":9G?;;I<I5NH\`[<_[R)II)'JM;(JG('604)75F
M5JN0*%4EOOA3;2'5Q\%]C+J?DMM$SHNK:A[>UB/EY.;T);+C5'["(1=/%I&`
M["Z]G=4U^/7CFB2YWC;_`!Z?4-VIR0Q4DV9CCXE`3`(AK[IB?F-76'6NI^UW
M3EPXM<Q"_'?TX[F[#A9QRI,N49V4[<:*9.-42+>67\E)F1AUYS;K`I2J*JM1
M00``)R3D5UK27BU]GT16F\]3Z*+?ODAKBM/IM?VQM5W\<,RH:%8-*SM2W:JN
M.R]"Q&T+-#2T6FRMCRN25Y8>U+2+-42I2Z)#+*$<%3-D$)NB?+4RI]/J%5-2
M=B^].K]:U>-H.L(6ZZ(L=;HE9CR0E+A9NUZ2A#6V1K<"T31B(I6PO(A!=^#1
M-,CAX4ZZH"NJJH>2B3;2;XEDORPW;7VD]W=>M]:;V'&5GO[3'(1=*U03]UL3
MKLSK:2I>ZRU;3-@U4P5(O;D+7?5GD%"6)B09*F/K`Y<E5(W<+IJBJ&J:?PE1
M=])+4VK]A7[8^@^Q6PZ5\B]HD>OZ%5ZY4/:,A,H[?G&4I&PE.JURZZ"9Y`VV
MBSM5?/VTS/'8E_9XPJ[X'[,S3W"!&M*->Z1%V&I3!3<`]4-!]M*_<PVA\A6G
M^Q=GZK5.@Q]BW!JBRP&\M==B]Y36P=F,K><M%T`Q=5Q[:BDDJVA).IN0:Q#2
M5.B[1;X)7#J:Y?J..?7\?(=CNK'5+0O:^L;HUWI'O1<NQ[S1]$U\U6N77:KU
M:0V_:;Q"]@MO1]MFF*%1J^PKF>MU.*<0L#.2+N5:D67D$8UPJ:!71R:U:+\O
ME0#6AM2=>_\`&9%1;4Y>Z77%780"C(K1B=80GI5P_<6C]L(99*CMA2*I/'6X
M9%ABN1=C]K[V24PK5TXT+%];EI@[0KP:&%L?JR/=SM47KN2H`['6A:I_W:<N
M&S2ZN^V_ZA-K`W8@;1]@$;_U1^Y_>?9_R_#!4^&O&B^\I>BH.TM;ZO\`-O((
MD_P._P`N`DX\$'B1_90[06L)1$_@0I_%!J<?N"#_``$']8``X#_&1S-4EUJ.
MT.O`P0,!^27_`+P;>)>S@)_=#N(='?U5N[^N0VD4_P#OX]<?\%AK7](?>?\`
MNWY?L'[7_O?M9`=:?PTT)`^/S5%-U-+?%39:'50K%FW5T:W6\W?9$2/S6#9L
MI'1O6NT03C9,P\.J^LC^NS,T^_:!D#J*139PJU9^RV$R.!/6OH9=_P#(72>O
MLCM#X_[]V`J6KG]8K7:J3KSNX[0A(%W"5U&T==M['K<4\G)YNHQAVT]L^*K_
M`-H191--Q.(,`)RX!`,DI@W1I>!C_P"NP:]#8_4`U6!E_P!X^/<C?!>Z'V_W
MG^+_`/A<#7?`[1#=G_X?_@B!!J/]$?N?_4WE^P?LGIX9!4^?[M-#)+\B=%KN
MRT^E5%N,-_4=.L/>C5S>TUY878Q4[#M-7[KDE(FPMFIR)R5;?NF22;YDY\V3
MYN8S=P11%4Z9I*8<_48Z]-:PHNA+7H;:FLM5/"7.*[_?)GK06U41D36VQ:4U
MUK_NM*:_Z_P:[URI]MK6.=ZPKJ%:KX&)"QKQDT.S12/R8\%3=:I\.E?@65R$
M_2;EK7L.[U:?0M:8[6^-"T6_8E!ZCU_9%:;4NXFW7I=6`K^X=@/[4]&\=B:(
MSNTPU6D31M>M,<*ZYWC9,KAJ"8J6C5:\>9?OO6/U7U;O7;S5-3TQJ:.T)>C_
M`!ULY^O[$8S3#K#K:Q;'N/8&$M>]MP0D&HW0>0/M:RKC:;$RS)&:D$X\LJ\1
M15<.RR4*KH^>OK+>=)O-)N9+6$/V'E]53O12O=ON[\1&K?TO+4GIRWV0\UII
M"Q:0;Q=/OMAM<!!:X>HV#8[NH)O)%U!+S#E->).!UHPH"IUY?%1>LM]C(2K7
M+66BJY:[YI:@]9)[KMW%C>O=[[CEV@I6*SL-UW1W@E-6>CSY;55EX#L;6=9$
MJKN$=2KD+.DU2<C%F(<LF(P3PUYU7#U'IMV4PW%%=*+]&4*SR%W[`1O5NTL*
M9=(9J9E*V_<+/4SYO7;/%,EU%3-)"?NB:+M!(YC"FJJ4HB/`CDEG3JUX5//W
ML>.ZRRNF;U%]*U/:J$C\9MW:=KE=;/+%'/$MFN-B:"1THMN.08*(RC#M*DJ;
M81G"TH<EP21!Z9^(<-QR"ZJI^]X_3V&9GJ[JVB:2[=]O];:GJ$;KS6W^%O4>
M\-Z;66AXNI%N]C6[$UVV6II%)<1Y+)9(>CPJ<JZ3+]P^.Q15<F45$5#242;<
M4WQJ_P`"RWOQ1M+1/;S;=XLE1U\PVG<_BF[3,M6VR8@H5&Y6G8%6:R361CJ3
M,NVH2,Q;X+6DLY*HW:**/485=7](-A4P3&M-.%2V#=.J@T7KRRU3K=5W=!B[
MQ\:'6BV[E;U5E=E/ZR@Z_P!FM9Q&X;U?_P"B'*-\MEH0T'8[6E+R;-<;2]BE
MER)N#*D;^V*DZO7Q)YZ[TZ`KEKT++:UVMUPV!JNZ_(@G-P5*ZAM)9MHW44@C
M\>78.,MD!"I+V:S,&"EP>-V,X_9,S-F2$F\45,B#IPJ<\$/G6M:<_69!/BXU
MA2M:]$NM"M4K:,'*WW36L+]?Y-?[MS8K=>)NA5U.5L=KEI-1>7EY@[=JBV(=
MRH86[1NBV2`B"*:9)*)NLF8L9@O7LN[^QW].$BV_?U7Y8=,*:@451ED]JKT,
MU@ZVMMA+4,2D*_<:('3#6WIW$[/F`X3D@D1^Z`F05JM%^[3])`]#I\K+UCL#
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MMRQZ_K-?1@'YZD\[/[@UK6;E+-6+!LU%NZ1HQ8EDHJ?W3MXH$TP%)`/$4SJW
M5\"-^_4QKC5_;;0&\)N2TSNJ]0L;J^@P'3[9)0?[;%.X[S:M8C?O49D"DD9I
MMR!G%O\`KD#Q*J4C#0*)#2<05J95<3"K32KZ_P!)$U3W+0`M'5[KPG<TGF[*
MA\G_`'QE;OKM,)->RU*L/8[Y`K#6Y^[,`1,>NU.TPEW@G4([?BDSED9!N9D9
M8`$2!1ZOE3]!CYJ"_7YQTOU5*=5Y$BNPT_B+[?O.[\C6'4HIL)1#_AFAC5A7
M>SI8XS0[&2WD0AZ8>6'[\L<F_P#V@0C?<R"O52][]Y4^LN`O9=`*!?G73M85
M>I1]"=.O^.-342EE4BG,,KVUH"NP%[V>O&&<4W#_`,,_];#L(RW-H&LG+^[_
M`*OM,DI5?VOBUI]15C^@:#VEN!:@Z1AH&Q]$;+WNZCLHBNZY5$G7R>V6GUW[
M$NM]PU#1K"J53D:/(QJ%-2LK.,$T$]EC/4')%'*D@0T"K2U^*C*O<:[T5K';
M_;.L:XI.N*#M3_O5?CGFI""I\!#5R[*Z6GK)T@D(^7781;9K*KZTE=AFG5"K
M@4T:I+_?\F]\%P`35M*O#I?XFYJ[4$72X3KONK4]/1BNR.P>\OR<4MWL(WWQ
MK19HI:/^0UU2*)8Y>074.XURRM6OZNXCXEP/[2R<QS9=!)-414/)#>K3X47X
M&ST+4ZJ%[*=!4-$JQI-Q+=$M^NNT[:-5EBVA3;+23ZJ(6%QV%0<F_F=@FUY?
M6$CTTP`V,A%70*_[J9'`E6CKPKI]I?!W_2<&VMUS4;I.3BEJ;O=RHW36,*2A
M^MSDJ/\`,2*(IJ'4]">H")O0/7!3'A]1BEM.I6S#4N^=G:XUU%1^W77Q<?%>
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MZ]U774?NTJ_LVN6*VOW5(%A"SS2/DK`[01BA!R55J)56UQJUQ)2V[OBDQK7M
M?KJTRTA1-P;K[Y_&GLS7VE9Y.01V4>BV&.^/15_*HUYH1=?^E*I(T>PQLU)H
MB,5'OX=X@X6(IP0\A+@^5'^)QK-%::UOK6;>W/5FA5E.R_R5]PZYLO>?;&.F
M[)I*A,=8;Q[/3FM1V3'J3$*C-Q!T8]2'J$$[E(BODEY0SDJH.SD([#6O/1+[
MD4]U4TMJ7L-)]7*MMFGP>V];UCJ_\F[6J0$Y6[C%ZY_;:YWRHM*UTM$Z^O$O
M-245#UG7RH-ZBUE7#U[!19TA:K`H0JP1Z"9-INGBON.YZM3>A)VZ==9OY`'=
M4E)R8Z+=`9'IS.]@U3O*_(6[^FWQ]QKZVD+=[D$;L.KM<8-:8.F?^J7#%2(,
M03MP,(20ZZ]/BZFGXP*A+2.]-;7>T[=Z]5_L97JKV)BNV.IZ]'7MIVNV3;9R
MZQ2D\Y[%IV6V.$7C37FP&S=Q79`\8#!*+>D0@5$HIR4AX$^&E::4/1IDEH8`
MP!@#`&`,`8!Q5!8KK)(*BU6<)"+M!%3V5%DQ1/[)G229N3D%(ZG@)P`/$3<<
M^N`:%58Y$5GBZC)(444ON'2IT""DW\S*(>\N<0$B/N")B>0@7R$1#UP#BR;E
MA"QL@]41;E3]MTZ.W+["!I%U[!U!1#R`I5W;L$O$.>3&_MP.)&FA-HPN]=(:
M:WA%P"E:C]HZMI&R8F!D5&3F1K,;>ZQ&6)"'<NVA0:BLR;O2HJG1\4E#)<AZ
M<8):HZ$J.WT='D,J]=-&9").GHF<*I(\(M$A5>.0`X@(D;HF\E#!_"4>1^N"
M"EJ;>J'LZCT^_P!-GH:T438$)`VFFSS8Q31MBAK$P;SM?DF!'::2A_W!BX3<
M)%,0JH`(")0$!X#AHRLU"(F(J54B9DU"&*N"A2B0Z8E$IP5`P>)B"3T'GTXP
M#9*NR0(DD59JBF"I&2*95$DR`L4O!&B1`$"@J!2\`F'KP'TP"&K%NZF1[S8L
M;3XN7VQL35#^@PEXUWKMM$/;U"I['>PRD0JLG8)2O17[>S@I7]Z=A][Y$CFR
MIR$46]M%033QX$T&6:I\^2J"?LI**#Y'3+[2"8^*IQY$/!),2<&'T`!#U^F"
M#9(>.:H$53.R;-C%*=-0AD$4#$<*@)#D.42IB5=9<.!#T,8_XB.`:B),3@Y;
MIIM#@!U2/$"$1,`*.R$<+D<IE`0\W)%BG.!PY.!P,///.`:`-&J-45"BQ49(
M""C=0!0.U1%IY<'1,'*28M?:-ZEX\/$?IQ@%)3.PM?5>U4FJ3-BA8JV;5<RS
M2D1BA@!];W%9@7%AEB,5$DSD7",@&IUQ,H<I?;#@HB(@41-'QY%8"+&/1Y$6
MC%NF`!R(HMD4RF4X`.?T$*!EE?\`28WYC@@B%MM^+?=AIS0!J^["7K.G*AN?
M^IU%VAXY1E<;G?*(C#-FO`O4)%FI2EEE%N03.BY*0/4#8)II4EM-2-$G[DDH
MQ%-5N'^_IG0$BC5$#JA_O11\3MT@\C?Q"4OJ/YX(-U1TT*DDJJX;%0<'1(@H
MHJD"2QUQ#[<J1S&\%#K"(>``(B8?I@'($I1\N2E'R#Q-R`#Y%]?0WYAZC_KP
M#BD,Q<**+IBT75;&49JK$%%51N8AB*JM5%"^1DC$,!3&((AP(`(A],`W$EVR
MJ)72*R"J"Q2G(Y243.BJ4?TD,58@B0Y1YX`0$<`ZJ3KU?F)&O2TM$QLA*T^1
M=3=:?NVZ*SROR;^$EZT\D8Q<X"HR7=P$T]9J'*(>:"ZA!Y`1P#E.G#%`5W8@
MV5>M(Y9R!2BB+P6(>2G!##RJ5NLJCP`_P"8/S#`+6.N7:NN]AI*OHP](E:LX
MM/5SKQV=^ZDGL8[.E";]?;-80U0<G8E!1>6JYM;KF<+@/VZH/"`E_"?!+5/K
M+KR"R2=*))BU3>N$P=+)D]HCI=),2H`X4(7A55,@B!/,0$`]`YP0;A5FZRBJ
M1%4556QBE73*<AU&YU$P4(54@")DC'14`P`(`(E-S]!P#;*9DD=-B0S5-1%N
M"B+,HI$.DT3X0!1-N'!B-R<@3D``H?3`+;I7M)K9*V:1KE650NL?N3<NV-(#
M989ZV1BJ9;=)4/;UQNI)HKQ-)5PG$RVG)&',"/H1V<%`,9(HF$3TO7T%R1C,
MTC`[,9LF9<&[8KHPI$,L"BH@T0!8>!4`ZR_"9>1Y,?T#D<$&YY(E,0G*13\F
M32+R0#<@0%#$(7Z\@F'D(!^`<_3`+/+?VBG&&\-D:=JFB;/M2)U%K[5USV!+
MU:QUC^J33>V[;.0E.K=.U].&CF]E1AXVJO9B<D74O%DCFB296Z3U<YB)BJFE
M:EWY3,RN3`4S8'BZ/D8"BD#E9!HH*?)@#^:HBV5<>/KR4AC\>@F]12:@7:J*
M+)`L@=5H)#.$P43,HU%0@J)F6)R)D1.D/D43<<E]0],`)J-EA4!$Z"HMUC)J
M@F9,XH./$#G(H!1$4UO!4!$!X-P;G\<`HAS;"M;K5ZC'4NQ3$5:8>Z3;^_PK
M>"6HU6?5EY6D"0-I>'F&\PE8+@I/*J1Q6S%VDH$6[^X50,1$%@*5W9N"%T_2
M8VX/H96TL9O:&G]3J,8UTR(9-[N#;5/U$V?.5'/F@HT@)"Y%=.D?^D.B@=,H
M>9@P2E5T./NW7%ZO\-$H:_WW;M`O(9VY?2<M5JCJBX-)V-%J1,S2:B]JTFX1
MZ!(M1(CELX:?:J(K$#W!52$4A!.G*IV&F=/4C0>J*7J.L.I22KU436(WF;G)
MH3-FLUCFYI]9)ZUV*5,W9MY*VVVV2[N3>*HH()G>NE!122)XIE!NKJ2X99$J
MJ:!E4RK*E4.DB8Y055(CX`J=-,1\SE2%4OD(`(%\@Y^H8((4V1N*#UE>=%T1
M6!5E7F^]K2VM$74<X8H)5N3C].;1V_\`O<ZW4#WW:#Z,U4NR(4G\T5G*9_4A
M#8)2J32BLW7%4R"J*PI*F;KBBH104UD1_6@J)!$2*I";U*/J7GZ8(/JB**ID
MS*I)*&2,8R1E$RG,D8Y#)',F)@$2&,F<2B(<<E$0^@X!N>)0$!`H`(!X@/`<
M@7Z^(#]>.?PP#:2;H($*D@@BBF0QSD323(F0AU#&.<Q2$*!2F.8YA$0]1$1_
M/`-T``H`!0```.```X``#Z``!Z`&`:/:2%0BHIIBJF50A%/`ON$(L8AUB$/Q
MY%*J=(HF`!X,)0$?H&`?/80]TZ_LI>\HF5%1;VR>ZHD03"1(ZG'F=,@G,(%$
M>`$1_/`-8D(//)2CR7P'DH#R0?J4?3^'^SZ8!I(BBD1---)---$I")$(0I")
M$3*)$R)E*`%(5,H\``<``?3`*(B=9T>$V%<-JQD`@VV!?:[3:C:[(+E^NZDZ
MUKYU:W]/A2MW#I5A'L89]>99<I6R2(JK/E#JBH;Q$H5TIR*V.@BHJDL=%(ZR
M'N>PJ=,AE4?=*!5?:4$!,G[A0X-P(<A]<`XKV.;/FL@V.0J8R3-5DX<)$3!P
M*2B*J!1]P2&\C(D6-X>7(%Y'T]1P"VU/JG2$^GJG3$L[9OZ#6Z[%ZVK6WSB0
MNZM2)KG_``T3G%'01?[.>QI0O"I3"T%L"X>B7A^C!-?>ZN=:ER,7&MXE@TCV
MP<IM6Z"`JF*0%7!D44T1<.!3*0JCA8$P$YN/4<$'+2000331112112_Z))),
MB::?U_Z,A``I/J/T`/K@#V$15%<44A6$A$Q6]LGNBFF<5$TQ4X\Q(10PF`.>
M`,//UP#XLB"J*B13G0$Y%"D61!,%4#J%.7WT?<343!8@G$0$Q3!S]0$.0P"T
MO4_5F8I>UTMT;0W[LOL!>8&EV+7>OW%X@=6U.*H]5N,Q5INXKMH;5E$I#";M
M]M=4>&3?2STBJGVL8DBW3;D.X]X5-Z42HB[D2E'@1*`B'(`(@`\<AP/'/TY#
MZX*3X!2E]0*4!X`OH`!^DO/B7T_`.?0,`T(H(MR`DW1203`QS`FBF1(@&4.9
M10P$(!2^1U#"81_$1$1P#7X$$>1*41Y`>?$.>2^A1YXYY+^'Y8!MJ-T%?#W4
M$5/;6*X3]Q,A_;7)Z$7)Y%'Q6)SZ&#]0?G@&H443*`L9),5@3,D"HIE%0$CF
M*<R0'$/($S'(`B7G@1`!_#`/BB""R9D5D4E4CCR=)1,ATSB!P/R8A@$IA\PY
M]0^OK@&OQ*`\@4H#^KUX#G]0\F]?_KA#D?S'`-!T$%`2!1%)0$%"JH@=,A@1
M5(`@11(#`/MJ$`P@`AP(<X`*@B151<J*15UBD(JL5,@*JD2\O:*HH`>9RI^8
M^("(@'(\?7`-W`&`,`8`P!@#`&`>:RDFZ_O-RNR:Z6:K=\FWS&;$!91J=^KM
MYMHQKONPJ[@;I*JB,JEUN_X=S3)'B:8A5@G5!`0_>1+D?>776FOP])Q=5ZNZ
M]:^T]\=,]V!JU8B>M6PYOL5:>Q,]M1$KG7=K[`A'N(WK[(=A)2V"M%2$-%5=
M"SL:XG8#C#L)!.-;M2IKDCR!(;;;IQ.BH9.O@JZ\#N(@17J$MI#N<GT>:[<;
M616%&&5[<7?_``\2HJ%B(:;_`,7%^LZE.+KLB0?U/_37D$.'/W6"=?V>.E?J
M*0)MFEZ>Z3[OJU_LC^HV;<7P?]'8'2E5ETID+CL>R0>F^Q-6L<+1X-)!27L-
MLJ\S9HLLXW:)G=Q9'23EX5)`05`&JR_S,OIHU9ZG7'LUVOI7;BM:MLO:VV;4
M<Q/7N$W1%,)>Q6GK9*Z-JS/6<7U[2MB"K20HZR8V-"P-:_S_`-?A*#*%\U"&
M-!3K14^$L3H"W6+4G7OXVMQT(_6+:]HU[U^U32)?H_8HZ+5NUJW!8+7K*/V-
MLGKQ$19'RT+W'I^S8<S*;(]A7CEX#86SMY#>!WAA4ZMM.JUXF>#L=L.F[;Z+
M=KK;K&S(6VON-"]H:PRGJVHZ.FM8:36-A4:S,XMR1)-9=U#6ZOO&7NH>13+M
MQ%(QP\3#);2:DJ^*,(G:#2%`JD]J74\W*];]"Z,G>@;=;4%R[)QM_-5*]V.M
M=IGI3=FS=;6B$ME:;(]KD&:]2F"2\@[5MCSQ45CE1$90305IOCJW7Z>PJ7:6
MN]<:^N7R(L3L*.?LA83?&W:G-KAJS'UO8^S*?(7[KZQVGL>+;-D$["^J%FVC
M#F5F%4C*MR2A2D=&]T"\B4^'AJ?-NZSCX;4>[=IMZY3&#2W_`"X;"@NSMZVK
M#7"?H[GKG6MC;!5JE?VP6`?L[`3KU';;7KCF4CT5V]=`'+AU)$,R6D3*20N-
M/X2I-;]:M67RR=;Z1=YC2G9O2Q-6?*;L/7L5JJ.FY#K?44)/9?5Q*#U]48J7
MG[+'S,)K*8F)Q.!*HNJTBE%`_;$VX,T!2@-M*O!U7XD(S.MK%KCJW19'0\#9
MJ_=MS?$)K*_=@)N$+>Y&V;/?L=N]:G.U+WL1]`//\0KKL1KJF]W8%'R+DUI.
MR>KH,UBG*W*F)K66O*7Z28-=:+U->G.GH>)O?6/<77K9'R&:PF'.F>IT?8&7
M7FBR=?Z4[^-8X:3AU[/8HA9GL)2.@I&>A`!"+<NB"+ULHN\<^Z(JU7C6GXG;
MUC6'7ZK;DZ@+[1H>N8J@ZN^0WO[I_54C?:]$$KM`9*O=C6#2NMJE)SS7[*N1
MA+NT3-5(Q%1)!-Z@@C'D`Q$$PD-NCIQHB[SOFIU/3[B]0R]RE:2742^@NXX(
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M66'52(`DJK"[]UV->9P=$]F$F6*;":/&IDC6RI'K>"55NGBEJ>@63WK59O2^
MW=I:S8/MNAK&/V_%/J94O>"=L&PM0%GXJW:MBE@04(I:D;=`.(,10]],DB4Q
M"F.)1R2U36C/-SKEEJ#9BF[*[!;JZC]?=3;,Z2Z6MVP;!H2D7"O]>*;L"([)
M4Z4KM#[%S-FV(PCMN6670FU*I<S+*52P.*[-+M9--J+MJ*,%W54XMU^E#+_U
M]C*]W`^.2]ZOA-:Z\TO`7"O]@=(5]#2R:K32<B[C;%<J@PW/HE<L-6G0ZUN%
MD3_J.#7^T3,4%0$JC@I2NEI*'[LZ\3%"%WV=N%7_`!Z<L+]!R/R?1O\`W<$H
MS.UG46U.G=>-=5U"2FSQ8H%_IY"!E([L*\)(>"(+`=H(*&#VN8*]%IX:_3["
M8-(T4TKWCFG=DV9UTUKOZ@]U.Q4FXITO"WUMV\V7UT3KFR(/5NK(QQ)6II`2
M_7=WH%6MR43]A%N*XQ6ATE0*6:2=*!)#?N\Z4+M/C0:.V\[K$7#1VW`OQ/?'
M`V,+ALN@!72%@[2BX:F%5,@%=-P4+[B8_K)Y!Y`'(<BF7XO\"T_;>R:I;.]U
M1GHVOZ)U7N>F?(AJG5+N#CZ5>)?NA<]>-(:-I\CLFT[!9V2(CJ3UTV'49D",
MV2T+)UQ^R5;D%Z27<>TW@J2]WT4]A<[\6\MKJG7_`'?H/6KW2^](RMUBH;"D
M>YVF&X'L6UU;9<-A)1]'[42@'EDY+LK6!1=/G;M.6=?N#!_]R=C$>1&JDD3X
M)NJ]'Z"VF<1U8MM:W-Y!!NK\F"WRDU\M4*[1D%-TJ=:E-WULK0C`Q2C,GZHG
MZ("]))%(/])BJ+LJH?O`FP2JT_AZ?I]IUFI]`=5;%9^O&DH?56JU8B$^5WO<
MENW5L'6XR/;-RP>O^],KIF*VS5HYNV!S`#1#1*L,SEDCQSV(%J"9%6QB%&`V
M]7_"OP(2O]6B_:T[K3:<AU^H_56LK_*'JW71>V#*^'T72[K6.Z5KK%$A:^_A
M+/6&%5V)3]"L/8H+A\[(LQB&K\D&9-5,XA(3YJO5IP]1DSZ':>B&79S>]TO<
M@WV_M776C>DM$B-Z2C.5,M8!>]<8YO?;C4D9MR]-`*;-D8U)Y)G1.+QT0J"+
MM54$$P**9/3T:EO';?4=$@-F?)QL2L:WK\/?)FA_'@1>ZP-6;,[1*C9-[3:U
MP*,ZP9DDG@S(5:+-(@"AO>!@V%;D$B<.95%Z)<M39K^I*A$7R0WQ'4_[7<YO
MFKG:HELP&\B:YM-;S]C<U2>ID=-J"=ZPUI.04FY!W$HF)#N7#A1V=(SDWO!`
MJZ4Y=)9E);'@;W,W'8FN8/1NK[?M3I=\G#G<>H=&TJ^L]TT.;_H`)^&IG<#9
M,C8#-+7MZ+M<>X69QKV`BG[)ZD^-%*+QQ5%%A-*:/A5?1%PNVM31&CHVYU#2
M5(N%2H-P^/[J)<^PD/J)M9T;??Z1`]JZU&=A;?).*\8UIMFU'?7*5M2#Z434
M6L\BS5.0%E5BM_"2$ZO7Q9.5]O?5;72]2V/TAH.K]HZ6H_3[Y%['(:VZW_8Q
M]*NMS8Q_3MU(UAPKKEB[396>4@10!Z=NV7ETT0.8B*KDHIF$)-Z2XU7XEL6K
M!IQ9K>,+J.:Z[6#7"][^'*UE0Z>:]M=*Z^M[NX[P2D9:G4)^ZVZZ0MQO+:LP
MT0C89N-49'40;,DI%LDZ;'X@J\*UKKQ,K7=/5U*W#V:^/6E;)J+*]4-ULGL"
M^L-4G6:LG49P([KK<W48SN$*H!X>P0J<J1%P5E(IK,U':"*@IF423$)*(MI.
MAA+MU8)*06F-?;DM.AM>==X[2_>;6&F9WMJVV"XUE0[U4^YNU:4R3UU,Q-IK
M+2K[DH.D82M)4QRZ=A+MX=DY"".3P>B,<BOQIQT^XG1O0+),]P'%>W-OWKI7
M]^5?<71>1T9M?;,)LMMV"V/JZGZVT2M,)=9G"MSB:TM1=Y;!:7^)LT6Q0>F*
M^FY#]\(JF5CXB*^[I6E&=+K-KUO=W7IF6<E/Z3[SI=B.[P=O+Q#@\:[GHBC[
MKSW(8VVV[:F$VRRL;$0CEQ$N=?KS`"S"-1:#!`9D"A<$ZZT^&B_`O<^,C<6D
M=:PLSUQA5]`2K:(ONO-6T#LEUOA'[?77;R[2.F[#>E7]E,S1L#9IV"K>O]<+
M/+L=6=F69EW#90'Y7#K[!O)3--ZZ^WD9I,%L8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`(DU#IVOZ;C+A&0+^4E"W+:
MFUML/G,R+)1TRE]N7J8O\]$,%&;-H"<(PEIE1-J0X'5!(A?<.H?DPB6ZDKJH
MI+IG1623614#Q.DJ0JB9RC_LG(<!*8/[!#!`4225\/=334]M0JJ?N$*?P5)Z
MD4)Y`/BH0?H(>H8`,DD<Z:ATTS*(^0I*&(4QTA.7Q/[9A`3$\R^@\<<A@`R*
M1E$U3))F51`X)*&(45$@4``4!,XAY$!0"@`\"'/'K@&V#1J4Y5"MFY5"*++$
M."*8'(LX`0<*D,!?(JJX&'S,'J;GUYP"B]8ZRHNFZ%6=8:TKS:JT6GQXQE>@
M6J[UVDQ:G<+O%O-Y)N7LB^<NGKI599=PLJNNLH8YSF,81$&ZZLKA1%)8"`LD
MFJ":A%B`H0IP(JD8#)JD`P#XJ)F#DI@]0'Z8`%)(5`6%-,5@(*0*B0ON`F8Q
M3F3`_'D!#'*`B'/`B`#@&L2E,42F*!BF`0,40`2F`?00$!]!`0'UP#2FFFD0
MB229$DDB%3333*4A$TR`!2D(0H`4A"E````]`#`->`;:2*2)?!%)-(GD<_@D
M0J9?-0YE%#^)0`/)0YA,8?J(B(C@'U1))4H%5334*!R*`50A3E!1,X*)G`#`
M(`=-0H&*/U`0Y#UP"*YW44!8-R4+=+U])A/:_P!>;-UQ&PQ!9&@9"(VE8-6V
M.8>R:*K11XI(1KW4[$&@IK)I%*NMYD.;VQ()KI0E82@8!*8`,!@$I@$`$!`?
M00$!]!`0'!!I(F1,A$TR$333*4B9"%`A"$('B0A"E`"E*4OH`!Z`&`?#HI*&
M3.HDF<R)Q42,<A3&24$ADQ43$0$2'$AQ+R'`\"(?C@%$:VUG1]0U!G0]=0*-
M:JK"3LTTWBT7<@^YE[G9YFZ6F37>RKM](.WL[:K`]?.%%53F,NX./H'``);;
MU96OVZ'MJ(^PC[*OO>ZE[9/;4^X,8[CW">/B?WS'$3\@/D(CSSS@@W"E*0I2
M$*4A"%`I"%`"E*4H<%*4H<`4I0#@`#Z8!JP#;]E'W@<>TG[X)BB"_@7W@1$P
M'%(%.//VQ.`#X\\<AS@&Y@&CVDO<,M[:?NF(1,RO@7W#)IF.=-,Q^/(2$.H8
M0#G@!,(_C@'Q-%%'S]E)-+W5#K*>V0I/<64'E14_B`>:AQ#U,/J.`/:2]T%_
M:3]\$Q2!;P+[H)"8#BD"G'G[8G`!\>>.0YP`5)(AU%")IE46$IE5"D*4ZHD(
M!""H8``QQ(0.`YYX#TP`JBBN04EDDUDQ$AA35(50@F(<JA#"0X"41(H4#`/X
M"`#]<`W,`<8`X#\OQY_T_G_?@&@J:914,5,A3*G!14Q2E`5%`3(D!U!`.3G!
M),I>1]?$H!]`#`->`;::22)?!%--(GD<_BF0I"^:AA.H;Q*`!Y'.81$?J(CR
M.`$TDD2`FBFFDF43"4B9"D(43&$YA`I0`H"8XB(_F(\X!N8!MJ(I+%`BR2:I
M`.10"*$*<H*)G!1,X%,`@!TU"@8H_4!#D/7`!D43J)+'23.JAY^RJ8A3*(^X
M7Q4]HX@)D_<*'!N!#D/K@`J213J*E33*HKX`JH4A0.I[8""?N'`/(_@`CQS]
M.?3`"2**!`312313*)S%32(5,@&4.9100*0`*`G.81'\Q$1P#<P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`+1-;]NX[:VX[UJBG:*WX[A-;[(MFI[=NUW#ZS9Z>CKG3(1G
M-2[(CI7:8[%=MC#(MVB*R=<,11VL`#XI`94HJ<:*NA=HBZ;.2&4;N$%TRK*-
MS'1635(5=%045D#&(8Q0626*)#%_B*8.!#G!2;B:B:R9%45"*I*%`R:B9RG3
M.4?H8ARB)3%'\PP#;3=-5A<%2<H*F:*BBZ*FLF<6RP)D5%)P!3"**H)*%-XF
MX'Q,`_00P#>$Q0'@3%`?3T$0Y_4(@7T^OZA#@/SP#2FJDJF59)1-1(Y0.15,
MY3IG((<@<IRB)3%$/Q`>,`V#/F1!.4[QJ44W*+-0#.$BB1XY*B=NU.`G`2N7
M!7"8D3']1P.7@!Y#D#6=RV260;*.$$W#H%1;-SJID6<`@4IUQ02,8#K`B4P"
M?Q`?$!#G`/IW+=/S!1=%/VTE%U/-4A?!!(?%58_D8/%),?0QA]`'ZX!K2536
M33614(JBJ0BJ2J1RJ)J)J%`Q%$SE$2G(<H@("`B`@.`6U;2[2:_UXUD`B3DO
M4Y7-_:#Z]76NPKY-J_I]LW[;-8P,$O*'=H"BJG$P.UXR8621$YE6QP3`Q51$
M"B4J_47&#(,`9C(B^9A'E3%87PN4?LP2*(@9477G[`)E$/4WEP&"#=6<MFZ?
MO+N$$$>4B^ZLJFFGRNH5%`/,YBEY65.4I/7]1A``]1P#?P"SZN]RJG(;FCM+
M7;4^\-,R-K)LI36-UVU5JS`4/:Q=2'!:[!4Y"&NEBGH95K`@>89IV..@E)*&
M15=M2K)I*^`JZ=*JC.+H+N]K3L';HJI05)V[1`O%!D=MZ5LFSZ>PK-:W[J:(
MF(>&D]AZK=,[!,R*L0S4L\.Z,RFVL+,C&33%Z5D+9?W"@XM%XRRZ#9)1=PLD
M@BBF=55990B22228<J*J*'$I")D#U$PB``'UP4E.6ZS'K%7M]@CH&:NLI5*W
M+V!.DU$(QS;K(XC8MY),JY`-)62B(TT]8E&?VS`KMTT;J.%"@=9,GD<H%HTA
MW9B(W8KO73O6=G:2++?NA=".5'TK$(+M9;>NH4=MM)AXR0%X1$E3;+#'/&Q%
ME3*N2"=)04^.15T_<734.[K7&GP=JFZC:-9/9M=XU_H[818-A:HURWE7T8U0
MD$(2;GH@5I9)D#IL1!XL8[9=,3`4_D0HAE:J.$$CI)JKHIG<*B@@110A#K+`
MD=<44BF,`J*@@D8_B'(^!1'Z`."#>P#CHNVC@RI6[ENN9!<[9<J*R:ID7*90
M,HW5`AC"FN0H\B0>#`'U#`"SMJW!(R[EN@59<C5$5EDTP5<G$P$;I"<Q047.
M)1`"!R8>!],`HZI[+H=Y<WEG4K3%3CG6EM>42]ILU3A_3-MCX6$L3V$D3K)I
M$*Y:PMC9+G,03I@5<`\O(IBE$T:XE8"]9E:_?&=M@9?;_=_>"ND#7[7P!3[G
M[@3>U]O[9@-Y\^/B///&"#<*N@=95N19(ZZ!4C+H%4(99$JP'%$RJ8")TRJ@
MF;Q$0#R\1X^F`?$G#=<#&0716*195N<R2I%`*X0.9-=`PD,(%614()3E']13
M`("'(8!MIOF2JJ:"3QJHNLV*]213<)'559G,!2.TTRG$YVQC#P"@`)1'\<`U
MN7+9F@HY=N$&K9$OFLX<JIH()%Y`/)154Q4R%Y'ZB(8!N'533`!44(0!,F0!
M.<I0$ZQP32*`F$.3*J"!2A]3&'@/7`-M-TV5,X*DY05,T4]ET5-9,YFROMD5
M]IP!3"**GM*%-XFX'Q,`_0<`W1,4!X$Q0']/H(@`_J$2E]/_`*X0X#\QP#C`
M_8F9FD`>M!8$345,^!RB+,J20F!50SD#^R":0D$#")N"\#S],`B'2>Y66Z&.
MR7K*`>U\-<;HV?IIRF^=MWAI5[K.PJ0#F?;"W(F#=C,'3]Y)$_*B9!X,(C@E
MJGU%)[,[1:\H3.R%AUT[S8:1NS06C;W5X5Z1K)5*S]@+EJZN5Q634>-Q04+'
M06V(V9432$XJM3>V!BJFX*"39<6#YD9H:0*\:F8%346,]!PB+0J*7E[JIG('
M]D$T_`?(WEP'`\_3!!R0$!`!`0$!#D!#U`0'Z"`_B`X!\`Y!`H@8H@<.2"!@
M$#AQSR7@?U!QZ^GX8!M*.FJ(HE6<H)"X7^U;@HLF05W/BH?[=$#&`55_!(P^
M!>3<%$>/0<`ACL3NR,Z]:@N&VY*%<V=O4B0AU*]'OVL?(2`3-F@JW_N[AV51
M%,&:DZFL?DH\D+QZ"8,$I5=#;WCO"+TBPUZ[>PKFQ+7_`'-I_3R3%A(-&;F(
M6V]>(^CL+.[(X*H96+AWC_W5"%`#+`02$,!L!*I.(B`"`"(`)AX*`B`"8>!-
MP'YCXE$?[@P0?/,@`(B8H`!@*(^0<`81``*(\^AA$0#C^W`-":Z*IUDTEDE#
MME`2<$34(<Z"IDDUBI+%*(BDH**I3@4W`^)@'Z"&`:7#ELT3,LZ<(-D2>/FJ
MX5313+Y'*F7R.H8I2^2ARE#D?4P@'U'`"SELW,@1=P@@=TK[#8BRJ:9G"_@=
M3V4"G,45E?;3,;Q+R/B41^@8!1\#<UY:6V!'R=1L]0CZ+8&<*TLEH)"M("\L
MG-6@;(M9Z<Y93,@Z5KL>ZFE(M=1^BP7+(Q[DI4C(E265`HG1NZF6[HS9$DQK
M[ZNEUSNW;.E7*+]XW>'E7NJ;:\JCNP-C-DTP;L9M5F*Z*)^5$B&`#"(^N"6J
M$SBY;@X*T%=$'9D3.2M15)]P9N0Y$CKE1\O<%$BBA2B;CQ`Q@#GD<$&L54RE
M\S*$*0/+DPG*!?T`83_J$>/T`4>?RX'`*-UUL:D;;I5>V-K>QQ]NI-K8EDZ]
M8HL5A8RC$QSIE<MP<)(+@0QTQX\R%'\>.!#`:IHSJMO[+C=1:PV5LI^T&8#7
M6N;SL92NMGK9G)SC*C5N0L3Q@Q.X\B)*NDV'L@J8IDTCJ`)O3!*570[VFVYE
M;ZI2[.0A8PUUJ\-9V,2Z<H'>I(2T2RECM@\!+]T=@F^*54Z9?'GU]`$,$/1T
M.-4[DK8F$^_F*K9*$6#M]JJR2-U+"LE9QC6YQQ"LKG#FBYF60/5+<FD1Y%J+
MG0=G:KIBNW04$4P`K$BZ"JBR*:R2BK8Q".$B*$.H@=1,JR9%B%$3)&.D<#`!
M@`1*("'H.`:6SEL\1(Y:.$'3=4!%-=LJFNBH`")1$BJ1C$.`&`0]!^N`'+EL
MS1.Y=N$&K=+Q%1PY53013`Q@(43JJF*0GD<P`'(^HCQ@#[IM]P5I]PA]T=`S
MHK;WD_N#-BG*D9P5'R]P4"J'*43\>(&$`YY'`(9WGNR*TE4HJU.8A>T#);9T
M?J=6)BY!HV>L'^[]LTG549+.A7*J!6\*O=4WZJ(E!1P@B8B8@8Q1P2E4F=NX
M;ND2.&JZ+E!0!%-=NJ19%0"F$HB11,QB&`#%$!X'ZA@@'<MTUD6RBZ)'#DJI
MV[<ZI"K+D0`@KF12,8%%2H@H7S$H"!?(.?J&`;GF3@!\R\"43@/D'`E#CDP#
MSZE#D/7Z>N`;7W34>.'*`\K"W#^<GZN`.=,4`_5_TP'3,'C_`!<E$./0<`).
M6R_NB@X06!%<[9;VE4U/:<IB`*-U?`P^VNF(@!B#P8.?4,`VP?L19FD`>M!8
M%3.J9\#E$694DA,"JAG/G[()IB4?(?+@.!YP"%]*;RBMRQ>S)1&%<U9#6V\=
MH:1=!*R#1<LK(ZSM2E54G6RJ14B-V<^Y*51N@?E4@'`HB)AP2U3ZB<#*IE,0
MAE"%,H?VTRF.4#'4!,ZPID`1Y,<$DS&X#U\2B/T`<$&O`&`,`8`P!@#`&`>>
MN7U3N=?1WRU;,U7MCL(RL"?87M3'1.E:0K5T*Q,1RM+H3.R3]1:-:`?:J^P5
MJRJ^6B%(VPIB:730^W2$_!!@NU58K3@13LFN]9KI(;=KO2N.JSKJ%8*_\;5>
MVBRTF$A#:N?[BD._6N6+5DR<5DS!NWVB;1[AVC<E&QTY@D<I%EEC`H"'`*O[
M7Q:_<>@6]564I77ZZTOK_!1%4G:QJ&T5[3%<KS"/B(2OSD53W[&@14/&HI(Q
MD='QTFBU312*0J*9"@'`%#)+?%U9YM7</IF>T2,1TNA%G][4^*'M<Q[N1E+B
MYQ2^/-F&H&N5*!&]B6R2'[Q)=H%=NDLXM$I<%+8H3][#@4#B!A=U_:X5T+B]
M\[(TWVWVGO4NL[:GMK5,I2?AXHT_8:._G_Z4F1D_D1O3RW5^(M<.9FB_<-JK
M.HI396+@5&*;G[=V*2@'3(*56*].OW&<ZTU:NTS2-FIM.K\36ZK6=7SM>K58
MK\:VBX6$A(JK.V$7#0\4P21:L8]BS1(BB@B0I$R%`I0``#!1S/-K#=1]%,-4
M5,I-.1+A=Q\%4CMN25D(V4?N9??D5`UM:$V].&>'5/*[V@5)EZ6-LBX'L<:F
MX42:N44Q\`CF7>IUX_M%3[>D-=34#V>DMJBZD?D"L4-U&D^@<C*MY17<STCO
M0FC7.MG?7-VND,DC'$[/GN2UV&%$B!/)Z:>`(\R?(*NE/AYG?[OU<TAM2=A=
MJ1=<I[%.W?+!.P_9B];1@+?:*:MUOKEXE5XJ!VBVKTC'68_7B-V8I".YB-:N
M6\""+AV[DB&9*2)CB%Q2_A,KGQLU%A3NNTFTKNU]0;8HTQN#:UFU^YT"REV6
MEJ'69ZRJ/'.L]:)S%AM"G])U2U&DOMDV[LS!J5?[9J1)N@FF62B?$QE[QU+U
MS>;6[RZT2HFOHS8VP?D,^.*;N5?@(5G7-@VK2%TM/2-:RSKMS"(1]E?:\LNS
M$YS[]ZDJ+-69^^]U0''O8*TW1/E1_B=AL\^J]'2^]=!.=6]=*KUUF_D)K,7`
MO>PE,=R'4CKP*W1?5&UW<S(:\C)*KUQQ_B'L%>1:Q$:I(0\&:RRBZYE@>BD@
MY@:O76M/;Q*6ZFZ,U9V`4ZQ5W<5'A]LT&J=6ODICJK`V:HVV)UXE&0_>RIU#
M7B\3K:\R<T\@&->UX0C>IM)-9W(0,48A6RP'("H!)M5IQJON,T71:1FI?I1U
M$E+(^E).P2'6;1CN;D9Q=TYFG\JOK*LJ/WDPY?"9\YE'+DQCN%%A%4ZHF,<1
M,(CDEN7Q/UF-`NY]1_(;OG;RE2W-KAI(ZSU'V<ZX=0M1+VZ+9;1NNTK959*J
M;L[%3514<(3D'6XUK7OZ=J*2Z0+J1!9B84*5M)L/`5T<%JO6=WU>V34.P&V_
MC>A=7.5G,YU.ZL;-:=EH`L9(,)#1]MEM?ZEU)':7V,@[8M0K=_>W.$E%4X=4
M2N3MJRL[!,6WVZR@-43KS>A<[W1U-1-S]DOC]INSJ<POU$/LG?DC.U*P,CRU
M.FC,>N]U4C6]P@EBJPM@B49$4UTVDBFLU,\114\!423$!3%M)T,1U1U+6M9=
M9=76.BU)[`6[9GQO?*;$[.LC=.9<6V_(U%*A?X<QEZGG9G$Y9C4IOY-:VF_5
M6/$L?)LP]I`3)C'(N\9->E%RA&3\=X-U#,GXE'OA\<S@519NA***'2>+2<N!
M4%+@44%_T*'Y\2'_`$F$!],E%'+V/[RWO7Q.M3>!UB;OXSCE-)J=*]F-M%%V
MBSD7-8#;INS6\S;Q;Z[2<)*>UV%=4@U%_8?L`"TG:%4"''T=X*G6KZ>-3KYS
M3DE.]?NV.W]Z4R=FNU&IN@7Q[3\+<+DA+O\`8&M=UUW5ECL$_:*FY<F4<U?:
M25PCD33$C'>T_<N&Q47!SHE!,8Y!4JDOAJS/[W*1VHXZE=ED-'%G#;@5T9M!
M/6Q*LH9*U*7`].ERPB545()3I6I1X)2QA@$!*^%(>0XYR2U&E57@8KX+9'QU
M:Q4Z5;.ZO36GM;Z3IG884M^VJ"30K2E)FK5T][(U"@?\3<D]2;3M?OLA9)1*
M+<.+>9.4"7=$1=G!PL0#05^]JI<::?66I2E_U/#T34':1_)ZEW!-5S?'?1_K
M/IWOFOS']6[SK>P/D`M<U7MD]7866:.)J![*Q*L.P:UY9:!D4GL8_!L=2)24
M_<"231_#Z%]Q6UMIW76B7'M%7)VI:^J=-3^5S6UI[E0457HN'>..J-GTE5Y[
M7T]M^/BV;>3?=>YGL:^C7DBX>E4KZP#)G>"+<)'B!5Z/G33UE4:\U-HK=&\M
M1U&NTJ(O/29WWX['RVB*BI&NW^C9RHL.BD(>])4^O+IFJ4YI(>R9+,YBVA$5
M:\K,(K+,DS(D;C@-M+^*GXD%5'5UGUKUNTM8.L]3GZYV"VAT,^4B`>66L(6%
M;9-[L%*F**73<5-SP*JV>QS5(*W*VIJ3EPHO%%*1M&BBB(IB7`5J_>X51V]/
MU%J*W4/V*!?^KM]TKLSLA\9%.M^DNI<%LRK56NO(W=LTWL%HVI'6N[V.>CM@
M;.H,LUA;2V=%8RCQG!D_>2JJG.)A+;YUK1\2][31-,Z2^2F9USK9+0F[)7;D
MG<FCMS6H-%#LOT>B=;Z:J$<AK*QO&2,I',^J,BRI$;'5UD`5LT7-S2""*$JF
MN=PUDI=7"KK^DG_Y*+W2X*)Z^T+9=/T"YH&Q]J3*<OM7M;6G]SZ\:GE*GKZS
M3<(K;:DVEZU&V.VW8QUXVO-9.6BV`N_<."QW9&C9P(BGK3B8U>H^N'FRD>OL
MRV@OZROVJNC/==[UV<V&OV>&K]8V#4NXLC5M'SD#2[\_EG-7>5*!:M&M;2E5
M74E`Q1_8(M_TAS052T7M7W$9M8O34YI".B>G,,O(;,5^*;MS'=XXRG14XKL%
M[LM?5M)"FQG8UJFW&;DNS;G>);`+!*7!2TJ!^]>V`MCG\A.M?>X55"X+L=M3
M3?;:\;U1U;;R[7UC):Z^(.DS]BH[V?\`Z9E?WKY([.O;Z_#VN'^T3<2+&JSJ
M*4V5BX]^.3=@@Z%)0#ID,B*<5KQU^X;#I&EM4[IOVM+W5*E1>@M.^1764MM2
M@NX).'Z_5QE;OCKC9NEN;A74&R5,B=6RO9E>(>R*;E(D":TKM%WA?<.H<P)M
MJJ^*GXE^WQ6IZ[2T;N5/4+!U':K_`.,?M.OKQ!9C*1[(]1>[0DGT,ZKC>721
M>?T6\;.@5@S%*#8T0=M]O_N_M9)3.M57C1%@>Z=2]>W&W_D0UT%(HD1L79/=
MKXVYVQ0]?B6E9V+:](W.Z=(R7*?!]"(Q]F>4&Q;/;S19)\W5^V/-%>"LH#GS
M'(*DW[OA1_B4MV4H$1JZV7[654@--:WZBU7Y&Z')["J&UJ;97/4VJ1=L^/JH
M3]7-L.DTF1KD;&:MFNP\@U>KD550K*=O<M',@01.<1D)UU?&GMXF8CX^:BA1
M^INM*[&[.HNW*VWD-BOJ7;M8DG`UPVH\QLVXS%0I5"5LD]9YIU2];0#Y"O1*
MJS]R!X^,1\#BGX8*)<3##;7LUH^^6FUNF-R;U#X9MHV6]D:Q;2>?_P!2Z?[B
M[C?6*28Q35NF=.UEUOU`LSEJDBF5Q]JY;%(`$4],%:U7^)?<==:J#I76M9V-
M6^]C)NI?I?H'0;EUE&UMY9[85^QNT[+O[:/99'K@HB59PEV3#?-RK@$"$$MJ
M!H2$!MPW(/C!*;?P\*E:V'5LJZU+\B.U-NU(\EV68L>CU"LEM?M'$C-QB[WK
MOTPF=G058.'OM(MA-WQNNO*_MI4ROUVJ/W!E`:H@F(KJJ<-?Q.ONS?KXKNB'
M0V!'MGG?1#YD:5(^\^CW[C<+71_^.K#_``A?K.D432B/6]'KFK"(L#J&"KEF
M1*4O_7'EDC6FGP]/T^TS"]^XU5KUY=[98M'SR7ZRW_6G9]DC&`Y/(+PNE+C%
MVO9,:S;,P%P^7L.H4;#&%0(!C+"]\0`1$`$41XT\3$!IZ!V:YVM0-1,D+4X>
M=PY^%^7)<C]&3"$B;)$0^S)IW39!Y(%^RATH/;+?2/,6<R9?;5<?RN"*Y!6Z
M4KX:?3[2OOB$I[/^N:-=D-L==D-ELNJR]4[-Z;UO7-E078*P;>=W"C2<K?.W
M25[NLTX7V]1+RRLT>9\\CFSU\I8'GVZAH]-`A`GPYTK[/87*=]W/5!OW,Z=$
M[E'H_P#A"KH'N>=!#;!$5M1K6U"P]50CE+TVEBJ5)5="%7D0B#2Q12)(J%!K
MP^,WYDICU=+Z>-5^)B4W3;6YNHT%K[;%>U+4-C:]Z!S^PNN^Q>Q^O-E[&[.W
MN-L5WW(ZTC0^KS2.LU2L%/W!JBE46HNIJ:!:3L$<^EXY5\P*W0464@N+XJJM
M*E[&V5*0MOBX2?8_]J6ZH+?(7K5_OU38"!W&JEP<_%?JDVGGNT0>)#7%=<!N
MXS(3&D2_LH6,T:+G@X$X%"X:?%3\2]_XIFU!:Z`VT75+!W':M6[C=M7>MV[E
ME+1Z)J4\W+8G,`YA6TXDC(EJCQDJ"L,)B@D:(.V%'^3[>21.M=>-$6`W$FLO
M\6]NMYUNU'Y,5?DSU>ZTNLY:R!MTCU]3VOJPU>7ICM%,90O6!#J66<3L?L'"
MK`<)@CT/W05`&"I?]BGT]I6FKME:KM5LZ9=6I:3:V38U>[\_(.AN#44E&O9=
M]6*5,USORHP2VG#N6KAK"5J[0-WBCPX2@$;3K-X11G[Z13&+)#3U?H7X%Y7Q
M!QFJ8+H;I^OZOBZ5!O:ZG*P&V(.GQT7$/(3<,.Y+'W"(O<9'H-G#"_QS=NS1
M?I/B%>D3(B!P\0)@BY7JU+(['_PZIO/DI8[TCZ>7Y!'CKN*IJ1?8K%NXVY+:
M%<Z+MY--#UZ>2Z"DBKJU+2WNM7R-</\`9IS:<N5\4'QW'E'WE6M%3X="#.Q.
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MGH_6%IAIW<BE6K77:/7C='[<HVMKI7*[:^P6D6'[1'`TUC9+G>&[0?>,N`30
M/$6[R221^^6DHDJ.I1_>X=&H=E>L3SNFRK+OIR37&^6P.-IM"O=!1O9AQ):H
M'7;C;R4HFK2D7[G5J5Q2JZ\^7[%-\9T1`0?JM.0C6CZ?B+`MD;&UG;^W>MYG
M7M:Z[ZMO=%[T]6=:4Z)KFO[?,=N+YI#]NU]6T-HDV+%V2'B:'U?N^L;,9BR:
M?LTI7)"-\$E'B<JY]AN*J.GL]A0<1"ZE>ZYW#U2J)M0]C:8[WUT+N5T[::9;
MOFE[VK$7SY!*:T>ZF[96")6>NY'?M=9NY)VM(-Y@QWL,LLNM'PWZ$EPU^+AH
M]/9R,RG2VDUO5NW.^>KM?U>-H>KZGV*U^]HU%K<4G!4RM_U=U6T#9K6%1@VB
M*$3#L)JW/WC]RBR33;&D7#A42`LJJ)H*).J3?&A:ML^1UYK?Y.X69BY'378'
M9^]9>EZO>ZVE&'W_`&GZ@IL]+6A1#9>K)(II8([KQ8*\=1S:6:C:%*C(3"SM
M.2>J+EC0DJ57#FDOM+%IS=5'V%U1T[K"B6Q_8-B:=^$/OG4=MP<*A8/WG6>R
MHG4'6:KK4:ZKD:IGK.THZPU64*2)<G3ETOLE%P2!,R:AX*J4EKSDB[/8/6BN
M5?=6W(_0&JV<?L'3GQ3#8NKC*&8.%0J78"WW+LL9K=*PD\.JQ6VW-V)\4RDX
MO[LR=5^X,=Q_OC@59(KIJ].HLRUAJ37%NT9;5*7LWKM9*%>E_C(UWM71O62%
MVG2K-'S[?NKK7[Z^]@`L]YF[;%[IGJQ(RT%9%7J;&Q/DVYAE3J"@GX02VT^=
M=?N+DMCT72>IMQ7#7-]JM1HO0:I_(G1I7:E"?PB43U\K:%L^.N$FZ*M<*ZDW
M1ID/JN3[).8]\^2<HD@36UPS7=E!0YS#)2JM?Q4_$L[0B-7.XS73%N?0%:Z/
MR/8?Y0$ZLKVYJVS7?6\M\F=N:\-JEPNC'6.FL8&4?:J7MZVNY"9<%9)Q1W'[
M5XNCQY@@JU_S41E)Z%Z3@F792TV:]S,=O+8FH.EG02ITK?3QE,*H3AIBB;QB
M;9?J8G87\JXB938D*U:!)/?>5E';04TG2YRCXC)1)Z::)MF9C!0,`8`P!@#`
M&`,`T`HF($,!R"500`A@,40.(@(@!!YX,(@'X8!"^X-RPNGZO4K*$2:S,[;N
M;3^H4D8=^R0*RE-Q;6K6LB32RQBJHJI0$G9_NW2(<*J@B<@"!QYP2E4FGS(/
M'!R_J,)"_J#]1R^7D4/7U,7P'D/J'`X(-A)9F8SL4%6QC(KB1][1TA,DY*@B
M82N_`>2+E;"F/!^#`F)?PXP`S59N&R2[!1LNT6`54%F9TE6RI3F$QE$E$1,D
M<#G$1$0$>1P#5]TV^Y%E]PA]X"`.A:>\G]R#8R@I`X%#R]T$!5*)0/QX^0<<
M\X!\([:**+HINFYU6Q$E7*1%DC*-TURG.@HN0IA,D18B9A()@`#`41#Z8!I*
MLQ7.HH15JLHQ54:JJ%414.T7,1(RK=0P")FZIB'()B#P(@)>0]0P"D;O<'U2
M)6!CJ/;+T:Q76MU&01J*<*L>IQM@<*H.[S92S4S#@E4*VFG[K\[87+P$S![+
M=4>0`2E44#8E#V5"N9K7ECBK+"1=BMU,<.XDYOMFMAU]:9>C6Z'\#IHF!2`M
M,`[9*"4HI"H@(IF,02F$&FN)67^[^7W'\GR$@I^_^CR%-,3G$GN_42$$##QS
MP`\C@@XRSV+%A]^X=L!BSIHK_>K.&_V!TE#$%!;[DY_MS)J&,7P-Y<"(AQ^&
M`<SS('GR<@>V'*GZ@#P`0\N3^OZ0\?7U_#`.,I(,$15*J]9I"W:F?+E4<HD%
M!DF8Y3O%0,<!3:D,D8!4'@@"4?7T'`-2KADA[*JR[5$'*J2#=151)/WUW'HB
MBB<Q@]U5<?0I2\B;\.<`^BNS17(@99LDZ>**"FB*B2:[I5!`AE?!,1!1=1%L
M4HFX`1*0`Y].,`HJJ;2U[>5;TC5+;#S1]96Z0H=]^V7,F2L6V*B8:=D8625<
MD02*NSBK`S6.<ACI`"P!Y^13`431HKKWDO:^X]U/V/;][WO,OM>UX^?N^YSX
M>WX>OESQQZX(-D'S$6@/P>-18"W,[!Z#A$6@M"I^Z9T#D#^R+<J7ZA/Y>(%]
M>>,`VWCIBBW2<.5&HIF41%F*RB(%7=']6A&IE!\3N%C>B8%Y,(CZ8!%/7G<+
M+L%H?3^](^">5>/V[K>H;%:5V2=MWSZ";6V#9S:46]?-2)-G3ABF\!,ZA"E(
M8Q1$``,$M4;7@5)<=J:[H#.I2%PMT/!L;W<*]0*@[<KF5;S]PM;@[6O0<>JT
M(X(HYDUTC%(81*D7Q$3G*`<X(HRC-+;EA-T(;-!I`&@%*#N3:&I73)^[8O%K
M`OK&>2KS^T-D4$TQ+'23@Q!*4X&.ER4IS"/&"6J$T@LR6743!5JJYCS$,L0#
MHG79'<(F]LRA>14;&6;F'@1\1,01XY#!!"_8'<\3H;5TGM)Y7U[:W9VW6%)6
MBHMVT:O%U]D[7J&JVYQ=N$UDO;@Y"Z`Z61$!,<B!TR\',`X)2JZ$S).V`,Q=
M(.681[=-7EPDLC]FBDS$Z:_*Q#>PFFU%$Q3^H`02B`\<#@@U*OF2*`.UG;5)
ML)4CE<JN$DT!(N<B:)P6.<$Q*LHH4I1YX,)@`/J&`?1.S:G32$[9LH]7."28
MF21.[=>V==0$R")3.%_91,<W')O$HB/H`X!:!!]HK%9-U;?H-8T7.6>E:DVG
MK;2%AV'6K=6GEA->+E4:+?YN:D:`^2BE(W5.NJCLEBL^F1EEY!9V1R@VBU`2
M!5054TK4N-JFR-?;!@Y2P56T0D_`0MIM--E9-%<I6+&U42V2=+L\2NH[*B4'
M,+;8-RS,8.4SK(\IF.42F$4\"N?,G)0\B\G`1('(<F`.!$2ASR8`Y#GC\\`T
M%%$@F,7VBBLK^HQ?`!56*4$OU"''FJ4B0%]>1`"\?A@&RV78J$5!FLT43;N5
M6RP-E$3D1>%5_GMU02$2IN2K'_60>#@8?4.1P"V_>O:76FFJ3OB:,Y:7>VZ(
MTN.[;9K2)?(MYMW3'X7-M`*`[=(*QB);%(4&6;)"85!(9H<5"`42"82DV7*H
M.&[D%!;+HK@BLJW6%!4BH).$#>"R"@IF-X+(G#@Q1X,4?00P060ZY[L06UNU
M=\Z\T73FU)ZL:[0DH&R=AD8JO,]8,=@UF6M,3;:4/[I8&%Q?LH.;K2L5^Z,8
MQW'FGDUV9CD!(%CBIQHJU*]JG;_3%WW!O[2;%2SLI/KE4H2V[,M]EK+J!UL>
M*F7MQC)1"MV>6.W+:!J#ND/D9I=N@:/:+%]@'"BZ;A)`11T3*/Z_=Y==;_M=
M6J,?K;=.KO\`$K7$CM[1<UMRGPM6@]Z:KA7M>92EOUY^U6JPRK`(Y&W0[Q2)
ML+2"G2QLLU=?8^T*HHB7%HF^@;GB[YLG>NMB1*\.^TC?*O1%7[Q^U43MKJR:
M@U]MX7\0T(4B[=*,C]@)-%4SB<_N-C*>A#E`!#5"%[_V]1H%GAZW8],7V)<2
MBO9IQ#.+&YK,=^ZQ?6ZGM[6>VP*<?)SIG%:V0Q>B2(76,U=I$`QG+9/GPR*D
MJ-26]*[L5W%!LK(;7-RI%?D]9ZEV3$V:QJ0"E7L*&T:HM:74)79&/EW$B[?T
M`A$VTNH[9,4?=<)"W%8@G$DD-4)I^YCP0_<_N&8-C-`<_N'NH^P9@0@N`<?=
M^7MBT(F<3^?EX``^7/`\X(.44Q3E*<ABG(<H&*8H@8IBF#DIBF#D#%,`\@(?
M7`(3W]OZC]<J*VN]V;66;5F[57*#2*31H4UDOVQMA7!Z+"KT:D5\'#-.2GY=
M8BB@BNX;,F;-NN[=N&[1NNNF)2JRD]$=FJINJQ;$HSN@;'TMM[61:L_ONI]O
MPU<B+DSKMT1DRTF[1LG3+/=J/<:99EZ_),VLC$S#Y--]&.FBX(.$#)`#5/45
MU8=1UJ=W5K[><A*R2-@UKKC:NM8Z'*LP"OOH;;$[JJSSCZ716:'>GD(MSJ!C
M]H)%TTB)K+BH0X^V9,*Z4\25EEV22'W[A9JFV;IF<`]642(@BD8GZE_N#B":
M:9DQ]3<@`E'Z\8(-)W4>H9!HHX9G/((JG;-CK(F,^;D(45SH(F,(N42IJE\Q
M*!B@4P<^@X!:#0.X<+?=GTO6;>BS$:ZN=[[B49&67EX]=LP<=0=DQ.N)F17;
M)(%660O#F5!TS(40,T3()%1,80'!4XT5?5]I=^LNQ0<MBN%FB+MU[C=F591%
M-RXX`JJJ#8#B"JW`$`QBDY^@"(>F"DU)*LSJN?84;'7253;O/:.D95-;VTU$
MD7/@(G(K[2Y1*4_KXG`0#@0P"C+ILG7VM:\2V7.SPU;KCNU56GDEW*GDU7MM
MYN$/K^KP_DS37.>0F+C.M&!>0X(LJ`J"0A3&*"3?`K3W&AU4A%1N984EC(CY
M)"J*`"A]P9(>1/[0"=/S$/3U+S]0P#8.^C`;)2AWC`&9TTP1D3N&X-CI/%$B
MI`D[$_M&3=*B0"\&X.;QXY'C`.;Y%\@+Y%\C`)BEY#R$I?'R$`^H@`F#G^\,
M`TB9(Y0`13,13R3`!$IBJ>AO(@!Z@;])1Y#\@'`(^8Z[UP&R'NY(^%C%-B.:
M3':F=6M!XX772ID!8Y:Q-*F@U!X>*8)-['-.%EO:13<+*>V18QRH(E3$U=*<
MBD*5NV$OFT]\ZK"&.Q)HT=;_`+I8GC]BXA[$WV)337-!RT1*4!9-X=LF*2IE
M3&*<P>91`N`U1)^)]TQNJ*W)*;K9L*^X@UM-;GGM+O'+MXT>#9%:]5J7;`L3
M`6R9#MHMVE>")II*"8Q3I&-SP<,!JA6^P[:YH%*G;;"46T;'D(XC=VVI-`1@
MU;9957;YFT5"'2GYBOPR[AN@X%RJ*[Q$/81.("8P%*8%J4ENO=$7IB+ID@]B
M5K`O<MN:;U2G',7[1H[C3[BV1`:V865R1P50RL9"OYXJZI`*!EBI"F0P'$,!
M*I+Y%&2CM8B9VJCYLFD1P4ADC.VZ*_DJB18"B*R2:PD$Q0-P!N!$/I@@AJ@[
MGB+KM7>VK$816&D-+VFDUQU*.GK,R-P>736%<V4#F,:)D3<)#$QL\1NL4XJ'
M,*(G#@@@`"6M*DT`Z:BY%D#A`7A4"N3-`63^Y!L90R17`H>7N@@94HE`_'B)
M@$.><$&V@LQ.LY1;*M#.$S)+O$D#HBL0SE,!06<IIB)RF722_08P?J*7TY`,
M`LO[!=T:UHJSVRIO:-)7$M:U+6=GNWT9-1;=F]0LV[X#1RM;]IRBO[;^,D9\
M'JYCB)!22,EX@<0'%2I1J7HJ*,EE3QZIVJJXHE<G9*&2.J+?W?`C@[8PB<4?
M>3X`XE\?(O'/(8*2&K+NZ*KV]M1Z,+$+R<AM:H;FM:=A:2#3[&MFTXMJU-]$
M2;'Q.Y6>SA-HH'1\3$]DK4WF`^X3@332I-^"!@#`&`,`8`P!@'G,NDQ:]77G
ML5IC_#&S;3H?Q\Q?;;M="T%!G8V]=OL+VV@G9]$5']WC&4C)/H6G0^UMOQSQ
M*.1>OHYG76YD$3*BW*(N:-)^.GU?1%!Z>&G_`-7[;BM3S6A+'KD.POPTV9L;
MJ3J^R:UZ[IV]YVKM,9<7M1C7UQO,%9[(A7ZW"MY^=C'"":H,VR#U%)VU6R"7
MPUK6C^XERO[DAUE^LW7BEV91?LW2._GR*S$GKT&TBI.T5R^J/R'3FM9>^I.&
MQV=:KUK4NU=<P3B2,FRF$'B*C,5DR'$DBG%\J+\"U3KSJ#5EXZ]W!W9^V?6/
M1,B^ZCZZIG9J!@*9L&$N:>WFN[]565&S=^8N^;1*XL=A7O\`%6.G6I.1&&DK
M!%V^50^^39@@9*"6W71-ZZ?J,U7QY]CM8;*U56=:0%3U-JFWP+79<K%ZYTBS
M<,M1VG752V_9-=_X[Z;:G@8'[;4&U+>Q=/8<5T$U%C*K^TH\22%ZM)1--.IC
M9GMC5:W=_=4V:$K^A]6[CAOD0LNKK94*QKFZ.^WLMK>"UKLZACL'=&VAL,?%
M0ND]N1$=%24)$+0;J"=M'L25L_4D2B"0JI[O.E/81+7=0575?4SK'<=>4U:K
MWO;7QR?((WV];(UG(A<=BK&TO#6Z%:["G#E/,V96"LJ!3PB4@HJ:*(`MV`(H
MB9(3)JZM/DT55NG4=:TG3;I!:<HCFFUJ8^-?K/M79K2FP\L=>U3VLNS-)EYS
M9%S_`&Y%Q)VZ^0E&7F%Y"5<_<S3MG[GOJ+`0@%()UX^+^XDFY;4IF\>T^SKI
MJ:S!L#7JW=/XHX-E;JT+Z2I=A(Q/L<]B4K4ZW(:%LT`U_<"MGKMDHNR!TFJW
M4/[B*A"B*45'QHR'V+C7G4#1<MV)Z[4:JPNUNM_=/O#I+;^N=:5V+B+`C%]G
M-P[AU_UUA[[6X=FW>?MR6R!U0[ASNDC(HUD05;&!L(",#63H^#7T_$OE[GZO
MU;H7I=T:T_MIVK(:GUEV,Z>T79<DH:459ST1#'6A[/+V\&(G>/JK8I,JCFR`
MN!VJT6N\^\`6PKY)$6W)M<:,M#?W'1D*RL5*KM0ZS)]'MH]WMD2V@-G]BZ'+
M7CJ!K-I3.L^K_P"N&VM:-'RE4J<\CM#>4K=D*D@65C*^+]E,K1YEUC,VZ\?<
M31^GJI[2--:,+P?3W3;735:WO83Y&-:1_3>RND8&TP"D#"=:^REWO:R\A$V1
MV]L=/:R72R8O\4T0DG*C]LC!Q[)=90Z13")?%OP=?I[2X>J=4=%V[:.DK+;M
M10MEFMD?*?\`(C!;)DK!'/9)2[Z]AV_<.9K.O[H5X8[>?U#'3M"K[]E7'I5:
M\60CFSDC85Q%0XCJ>O\`A7X%H%LJ#>3KVG*%N2W:,UGU^:]>.WFK])67M;7=
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M:OV_>-/Z[F(O7&T]$1OR;=B7$#`:^UQ8J'UKFJ^/QVLKH+6DZNG[/=(=?4#W
M9LL]DT&_WKZNRLN8[YL04U4RA!4VUZZ+[SE5&)Z[5>?T_7.X\5!I=5:?1_D2
MUYH:`V+'R$E0*]LJI=Z[Q6XBJ5%HZ1=?:;1BM!Q47':_0;`$PG$M7R,'P)5B
MY(U>L>.GW$]E9J$^&#I`TF&-D3U*RI_0PG8Z,5:V']]1ZUL;1J\-S,[>PCDS
M6<T"UIR2H6Y$""J,$21*X**?O`(C_>/QU+5=ETWJQ8']WO%8INI9;H%2/D-Z
M4RU3GU:Q7GG76IR<M5T:]V:G->K+L%*9!ZLE)-W6V<\ZC02KZMA^_!4PN/NQ
MP5>]P_:H3U7M/T6!MZ.^8.E-F>X'_P`T$_!$V:V8.`N"6N9ZQR]'DJG'3H$^
M^9:RFZDY.1S%I'+#N55C.CI&<&][!#?+ETECVMZ*\DNNW8*SSNU](P_9:O\`
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M.D5V5=];X*/M'9+KFE!T*H5FPV&W1LO7]6)S4O&5XSARY1CF_/[:5`B"(IR0
MVZ-K1U7W%EZM?FMF5W1T5O#<6DM1/[+\<72IIU?V]V8K>S;!=JCL9B-L4V%;
M>N%GC+U4(^-[!U_8"-8=2R7+BQR38D054%F'NIF@GA6GB_HR^.9U/2:5M;?T
MQ3=<5RK2]C^9OIDTL,O5ZDT@W=B@UM2=9[1+$DG,:S15D8)Q;[1,2*Y5#J-_
MOY!VJ?E554PBGE_E+=+)1^H6O=%6EU&3/3[7ETZ_]XN[=DMO5_>%2BV.I]]K
M([`WBQU_K39-6A&B4RTNL?J&Q-)'6S\8R>%DDH@HRBGZ"A0(*DY5YZI:F4#N
M!LES2^LO63O<WUS9:@[Z[2U`W+8]4KQKM6X5_7^W-8R^J+UK.2A8I'W%I&IE
MV@T<.FY$1!)S`E.4I?;`0DH2U<?$QB0NJ.P.O:WMCIE21V*\V?U@Z]=A.[%&
MDF(S3N1E]Q=FNLJ5$JS2IS@"H5W:B]D[_N>0C&R:IE&;EDQ,0I/Y0X*M'[WB
MZ?3[#3MB%ZOVFN;)ANB\>U1Z^RG472->[`$U&G-P%?/LY[VVT"WTVUN[J)!B
M];=B&.O37G]]6<'+;&K4Z(RIRC]H."56OO<:_@2KW&TCUIU/L+Y"JA4-6ZLU
MK<;/\4=88Z:8U6H0=6MLNPAWG:JO[7_PT=14>UE'#V&JRU>0FACSBY0:#'BO
MP3V!P1%MI>'49)NN>H]?:)[H=DM?:@I$3KC7;_K=U.N+BLU=@>+K4A?'-X[2
MU:;M[ALG_NCRZ35;JT0WE9$PF?R!&+8[M14Y2'P4-MQ3?I+'(N\T+5_S`!6N
MHUV9V5SOI7]J[H]?X]&8L495)V"9;GEK)OY`ZHBGHVPP5DKE?9RJ?"$1=U+0
MFL"*TB*+LPJHW#WN7`OLE:I"W/OEV/JUN8+.Z;;_`(]]'52QD,#E%L]A9G<G
M;6.G6!7B(`)5CQ3\P&!,WN$*H!O3D!P1^PO7^@L&ZCP;K8?<;JDQUWVUC.W^
MG>E77/<562O%)UJPJE4ID1?X[65$UC3]F[`B+%9839?8.P0-577=%CP@T8Z-
M@E7+F);+2:)CP52TBZJC;(O[9):$'=WR1HFC6Y>],IN#J>'3J06C)`VR7%Y;
M:1Z\)4=70$B=`5_&*O`.37,850"I0_/[Y_U=[>!&M%^[K4K"7:2:NQ)XQVDF
MJ4N[?F7!,RC5ZH!4'&O8PC$$S&3,!4'(@((<?I4^A.<,?J(?.V;IQK(=F,Y@
MW7-O'?#J?LZV>-))2JCIAMH[:X/"WYH1(R:VLV>UQJQ[4FL06!(DBPR0?8@Y
MR2?5QU)*H>K]([?W_J2H5*FPERZ/RGR%;QF='U%O&/'.C9V`B?CT*XV*2HU]
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M=QAG;5@6:4;F.*Z3I)*"M*B2?'7[BGK_`"FI.VG96_)Q*[3<.C+G\C/2J"?N
M602DCKN_0$7TQV02>;LW[?VX:YT!S,-A8R!T#N8:042<,UQ6*"R8R%6,?33\
M2^_Y`6&J(;8/2M+L9"PH=((.U[,8;3866,(OI&"V,2@Q[/KLXW'$@@I7$-<,
M%DYYLR/,)#`M;"M%"KX+@S,44QKK3XC'5V8V3HV>VPS_`,*:_P!8-:2&HML_
M'W7NNDC"ZSM=F[,[3TZ\N>D++';(Z_72MV"MU_5W66(JETEZXZ78L)V'6;1,
MNE)?;$721&"I)TY\_47==>6;Q/M1I!51F\32)O\`^:-0ZJC5P1(B;OLY4%&:
MAU#)@0A'B8"9$PB`*E#DG(>N20_A^HY-B4T<T[P]HT^P\?1B]IY*8U,;X]);
M<K!FZ;KU`FH:FVJ;#K?(6I!>&86N/[,#9E+&C#&3E07<-%7X"S,Q,`:]*I\/
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MGN(.P'0[<%-I6^-_;:U1U,;UN9#I[L_[_3VJX&_:2T_`/+5L$8_<$;9V+J=J
MSN*9SC2,G;E(M4(4X.#G;R2JMTU]?,R?]]-@3FLM.==^\,)2;1%6/2,DH[EZ
M$HQ<N+)'5WL7JN:U4C2IJ%C"N!<.H+<5IISEZ0I3IH&B#G']!!,`HCQ<3&`Y
MU)N77%(WWTRUV.SIJ?Z$]=>P6X:/,UT]@5GYV>[;ZPJ*%6<T>:3$7LS=F#JQ
M[R9QB3151VU>ILO9`AS(Y!55:2?/\/HCN]J5_K3<'.V8+I#&UTW4F?U[\?=9
MW`UTHE*U_7+[;#_OQJ5G6V(K0`1HMMN)Z7<RR5M42,G/HQRL:$N<IP;>(:KX
MN.OW$O[XIVLJ%N[9M5ME5BJMTZJ':GH9#;JK3>")&Z?AM)0?5S9D?18N[1#-
MHG7T-.PF]`I02:+A/]F;I)D^^`&95L!5:TXT?WENL:]KFK*5MG>?4B+E&M&L
MO<WMST^ULSJ4+,HP@M^XFH]&L-3VFKL_M0(36D9V7HM>-#NVY`BF\-*"HR,1
MB8@X)XT3\$_J.VFJ)-5C4W9;KVS:6PM7^-+4]CZ\45:5"9=NYF*[%=A-?;-U
M8\C918HJ3KNG]9J16XQ5PF=8Z(R+@AC`)SA@5U3YME<75#0([F<MMGQC9YWQ
M)\Q&J)2)<KQ4BYV\WT0;?E'#4,BF^1;GE4>MK7KVK&H)G$X59.=\RFXF//)(
M5::?#TG>_&M2WS[L+KNUW#;NA*SV:J'_`!1LNSVJH2H7F*[7[.D;+<C&E/\`
MB!F)V[/&<]5:?;4XF4JTB:)+&%BSMDH$Z,<X$APGPT3Z2J^UFH:8^N_R4[V5
MI3=[N+7FY^ABVJMB*QSEU:*"K#0G7]Z:0US)^!W-9=N5I5TG)N(T4CR#;AL\
M,LW3*D4$W1+E1E)2>PZI:>_^I[-`0.@M9[ACOD,OVK;C3:AK:[.^V\EK>`UK
MM^@CL#>FVU;#'143IK;T1!Q$Q`PZ\$XA'35]#_9OU7Z8^T%/=?A0AJGZBE=8
M=5.I-DZTTZ9J6_\`<WQD=YD[/:*:RETMF;&OB6K-:6NCI62<2YGK%:X.VK'&
MK`]545B5SE;L/80$R0PN!-:R=>%4:+XATZ>63<2O2&%KJ=`4Z2=86ED6UG!2
M#6H.+`P[ET)9JPE3(LTF2^X(R%<@:T$7YGT@4:?NO\T$^#"ZOVN-?P)'J-+M
MT_W"VG)EVQH#7?<&H]O>U-HJ-=LM1O27;K:.JW5&V=#:2H#2S3%X;UR;ZZ2.
MGG=:D6)6D0O6V#F((8Q2S2+E7)(JNGT4]A5G1!OU8-V4^/M;142P0W+']']_
M1W:U_&1,PULR&V%5^L*UCC^Q#YTV2]W?ZU_0GU719DYK$8A79U/]U%(1"5:.
MO"OZ3T5X+0P!@#`&`,`8`P#C@[:BZ,Q!RW%Z1`KD[,%DQ=$;G.*9'!FX&]TJ
M!E"B4#B'B(AQSS@$-]?MT0V]='ZDW.RBC5!CM>E5JX1M:DY!DY?11;.Q!^TB
M57+<J#=X[('D7E(@`H)#"4/0<$M4="8DW+$Y7#E)PT,1$ZR+MPFJB8J2C(QR
M+I.%2F$$SM#`8#E,("F/(#QZX(-@[R)(R/)*.HXD<Y3244?G7;%9.$EP3104
M.Z,8$%4UBG*0@B80,`@`?4,`ARJK:(D-^;7=U5S`/-_0U%U74MJ"W=2"\]%4
M-N\OUFU?"N4'"IHME'?>V2==D(S*4YSN!,YYX0X$ZT]!3]V[3:NH78[376"4
M:7%]M#>+"S/H!U#5-Z[IM>8U:J7&YH!=KDL9I$P[NR1M%F@B621W;YRHP7.*
M*:!#+8"3I7D4O;>X$%0-RUW5=YTWO2IU:W['@M/U7?DQ6:H33$]LZT0G[Q6*
MPS=-;NZV(BUL+D!BVDNXKJ,(K-<,ONP5.GYB>FJJB[1P[:LTSK.W+=JDF0RI
MU7"R:"9$R&(4RASJF*4I"F4*`B(\`)@_,,%)2ETM:E0IUQL,'5YJ_P`M3:Y)
M3+?7U*/!FMUC=1\8M(,*S`MYV7@H1&:G`1*BS!Z\9MA44+YJIDY.`&/;=VTJ
MON+;VN-265CL2OU^A=X]/:VL-9A'U(2A-E75CUPB^Z&NY2^K2$!,3Z-0H5@@
M&::L;%O6:\A*,DQ6658^:!Q6E15]'XT+JI^HPO8RE:,M5_A;SJ*2JVSZ'N:'
MI-B=U5C:V%PJ"DH>*J=J"+?6J#<D=%=J"X1CWJISD`/;6#@V"G@7#&68)G;L
MSJLTSJ*`BU:&41(<ZK9(KL$FZ`B`F4;H$!7Q*')"`!O0`YP06R[/UP9?L/H3
M<LBEM&^MJJYL%"J5#K*-%0U]JR>O-:LO]3;_`+HO)##W&35"L1A:L@1N]D$V
M03(F1CA%RY=(B4]&BYU%XT<**HMW39=9`B"BZ2*Z2JB)')!4;'5(0QC)D<)E
M$Q!$``X!R'."#05W'N2"8KIFX336.0QBKH*D(X9N")*$$0,8I5FKOQ*8/XB*
M<`/`X!2ESM[^J_TP6,I5IO*E@NE=J<BE4_V$ZE0C9U1<CF\64LY-POA5*^1$
M#O!:?=/O$Y?9;*CR``;5BM:L79:-7V=*L%K;727?Q4U8X,*^M":_91M9G;-'
M3MV"2F6$H$-,OXDL8R%@V?K#(O41.FFA[JZ8%9E=,UR.@*X;+)M3J-WH%524
M(W4(F515!UP801.1%0IC%/P(%,`B'`X!J:N&SINBX9+H.6JI`,@NU436;J)_
M0ID54C&3.3T]!*(A@&Z8A#@`'*4P%,4X`8H&`#D$#%,'(#P8I@Y`?J`X!JP#
M;]I+VO8]I/V?#VO9\"^U[?CX^W[?'AX>/IQQQQ@&Y@&D"$`YE`(4#G`H'.!0
M`YP)Y>`&,`<F`GD/'/TY'`-6`:`33`HD`A`(/ER0"@!1\Q$Q^2@'`^9C"(_F
M(X!]*4I"E(0I2$(4"E*4`*4I2AP4I2AP!2E`.``/I@`Q"'$@G(0XIG`Y!,4#
M"0X`)0.3D!\3@4PAR'KP.`:L`VA01,(F,BD(F.FH813((F42X]I01$.1.GXA
MXC]0X],`W<`8!I*0A/+P(4GD8QS>)0+Y'./)CFX`.3&'ZC]1P`)""8IQ(43D
M`P$.)0$Q`/QY@4PAR4#>(<\?7C`-6`=,G7H)*P.[6G$L$[*^AX^O/9TC9(LH
MZ@XI[)2,;$KO`+[RK!@_F':R28B)2*.%#``"<>0.YP#24A"`($*4@"8QQ`I0
M*`G.83',(``<F.81$1^HC@`2$,8IC%*)B<B0PE`3$$P>)A*(AR7DH\#Q^&`:
ML`"`"`@(<@/H(#Z@(#]0$,`TE*4A2D(4I"$*!2$*`%*4I0X*4I0X`I2@'``'
MTP#5@#`-)"$3(5-,A4R$`"E(0H%(4`^@%*4```#^S`!2E(4I"%*0A"@4A"@!
M2E*4."E*4.`*4H!P`!],`&*4Y3$.4IR'*)3D,`&*8I@X,4Q1Y`Q3`/`@/UP!
MX$\@/X%\BE$A3>(>0$,)1,0#<<@4PD#D/H/`8!JP#2)2F$HF*4PD,)B"(`(D
M,)3$$Q1'U*82&$.0_`1#`!2$*8YRD(4Z@@*ABE`#*"4H$*)S`')A*4``.?H`
M8!],4IRF(<I3$,42F*8`,4Q3!P8IBCR`E$!]0P``````````````<``!Z```
M'H``&`;8((`1-,$4@32,4Z1`3(!$C%$1*9,H!XD,41]!#@0P#=P!@&DI"$`0
M(4I`$QSB!2@4!.<PG.80```3'.81$?J(CS@`Q2G*8ARE.0Y1*8I@`Q3%,'!B
MF*/(&*8!X$!^N`:L`8!I\"^7GXE\Q*!!/P'D)0$1`OEQSX@(B/'TY'``$(!S
M*`4H',4I#'`H`<Q2"<2%,;CD2D%0P@'X>0_G@&K`-/B7R$_B7S,4I3&X#R$I
M!,)"B;ZB4HG$0#\!$?SP#5@&DI2D#@A2E`3&,(%`"@)CF$YS<!P'D<YA$1_$
M1YP!X$\P5\">X!!("GB'F!#"!C$`_'D!!,4!$/IR&``(4HF$I2E$YO,X@``)
MC>)2>1A`/U&\"@'(^O``&`:L`8`P!@#`&`,`8!YS&FPJE<._VF;9"5S06K-O
MM^_FX-;WNBT[6-V/VT5UY7M3;VI"%V[!;B/86<,UU9M]*N04W!0SB#6AG+=[
M#BPD%W;<QB07:/IUK2GL+='FEZA?NL%UM%SHJL_:M6?`_IZP:LE'S.7"4U]L
M1E9.S4PQMU%,B*2]:V=!R4"P58RS'V9J/$@`@JF590JDDU:>G[Q<+N[6%`U!
MLG<E#B*,VI73]"]_&'?.SE/K<,^:T%[K^:D>QD-L6W7F(CDCH2L#,V:HT@U^
M>+$5*_@HY168,JV!R<PA-O7GJ1ILQIUY:5?<.QZ1<>M\5U9UGVPN&Q.I^B=[
M03R0ZC=G'"/5*AU[?5&UM7F:9V2#1MM22F7E.DX&,G(YI<#2BK&)D"+&`L$J
MO#6M/JU+_.G+'3"G?CLC?'>H*?I?>&Y>M_4;:M=J<_5:_`;<:UJQTRSEVBQ(
M\3CFDI*%KMI:1<59%&QC)$D638CG@P(!DE$J]*7*K+FNSR*ZG:SXUU$D%U46
M^_=Z*.54D55$FY#],.PZ*:CE0A3)H$.LH4A3'$`$Y@*'J(`(A<'].9;%L/LY
MH7L7WUH77JR[?H%.I_4C;D%+K4FSV!I#7G?O;]W`*MM:U"G5QX9O)/\`7NEF
M-N&5=OR@*<Q<EH]LU\B0[X51*34:\W]Q+?</4.OMU=P^@]/VI18?8U#+&]M)
M*5JEIB@GJ9(O$->45M&EM$$\37@YIL@H[.LV;OTED2/$DG!">^@D<@B+HG0P
M^P>KX+7_`$RH<Y3:@[A+9M[X2.]LGMZPMFLPO;-EVNNMNOCFFO=AS;LSB<ME
MEK?]3RJ,,I(*KO&+1VNV:B1N(I`*ZOJ_S(O]>,WH]K45OLGHI?\`>C:%<^]]
MHX%+[8GQ&"U4="K[?A]L1W_*,ISX%5_0(^7I@I_9_P`OXEB6O4.MS73=`'O#
M$MG53=_&%KR.ZM)WF'FG_&T0O&]#[RCM*)G;++M>R[M1;7IF(0X$M:C8C+]O
M$2IN/&"MUK[OCK]/K.^G=13#W4O<O<^ZJ6[E>V^J]:?&<_8[`GV#F2OFO]N5
M[36DY>ZS-%E`!96M69:[F=!,.XH4E9$J16[PZR"1$BRB*ZI+AK^)FG[@IN3[
M"Z!BW3<G(GW=BE'0MR+'(FV_X7^T9!4="D`E3;>^<@>1^">8E#ZB&"B/!^K\
M480*5I^3UCU4ZAV+K51Y>K;^W+\8/>4+/9*8PE&FS=DW\VJ]6VJE(66P(E_?
M[!:8:WNE#U<CY512*<&*W8^PCY)X+C=6U+A5'7[$<=/RVS<<CTABH='6]:Z&
M==+C?TM3P<P2N,V]%[E:\LL]+3$/%L@,ZVE5Z#`/'%P,**E@(@W;EE>5B)%`
M%U:=7&OX%T$WM6E[M[5;`N^IK$-ZHO\`QS?&K&QURKJ;][4)\L91-A'F'U6G
MT4AB++`,G+K[9P^9*+,RO$5D3*>XB<`(BE(T?&C*6U-JQW1M&]#YW252"#W-
ML3>G>*RO[`1HJ%@L^QF_6+O5%:Z>6V9E"J.';6$=F8L8I-\<6C!H"3=N5-("
MDP&ZMUX:?@6]Z`T_J:X]>KJ^FNV/5?1J+SJYI"H=A*Q7]?7^%E4MN06\]>VN
M'G._$)L#:!7=DLLW=(BP4RXHRAX:8L,99I-)=Z5N5$4X);==$^/TH9K/C]['
MZUV7JFDZXAJ5KO4=OCH394]#:ZT_"2T?IRQZXI>Y;+K+_&G32ZU7KC%'5.T+
M.Q/+0J"Z2+T[5^"@%<(^+Q:2W)49D-P4C`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`?/$OD)O$/(0*43<!Y"!1,)0$?J(%$P\?ER.`?<`8!H]I/
MQ(3VR>"?@*9/`OB3V^!3\"\<%\!`../IQZ8!J\2B8#B4HF*!BE-P'D!3"43`
M`_4`,)0Y_/@,`^X!\\0$>1`.?SX#G_7@'W`&`,`TF*4WB)BE,)#>1?(`'Q-P
M(>1>?H;@1#G^W`-6`,`8!#X:6K0;[+V%+(3);874*VF@ARJL@KG]/+W4EZ5D
M_M@9??\`[X>53!,5/N/9%'T%/S_5@FNE"7RE*0I2D*4I2E`I2E`"E*4H<%*4
M`X`"@'T#!!]P#0*:8@H`D((*\^Z`E*(*<D!,?<#C@_*90+Z\^@<8!K`./0/0
M`]``/PP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@%LNBNV&L.P>QNR6JZ4UMD?;>K>S6FK]B-[1#M8MI*2$A"I3$?
M9:8Y:R<C^^5!ZL5XP(Z4*U5"0C':1D2@D4YQ+BTD_$V.LG;K4W:_7-NVMKC^
MHH>E5#:5\U4YE+W'Q];++2-"ETHI6T0OA+2":],M*3I![#.UCH+/&+E)4R*0
MG`N`XN+H^)<NY?,F8%%X\:M`.JV;D%RX10`Z[Q;[=FB453E`RKI?]"90]3G]
M"\CZ8(-TRZ!/=\UDB^R!3+>2A"^T4P")3*\B'M@8`]!'CG`+:Z/V0_KFZ76I
MQVL[>9C0]^V_1=FM[1]6W%=K@U/4%>VP6]V87LK%24?7)Q6QMX-LDT;R+HLD
MJF94B;8QUDA-/N'5KL(\[&:7K6[9BGQ6M:_L.16=ZVBU+XPMLK-4A^=(*?,6
M0S6%A8^M7"PI&,=:!;K2GV(^!/O%E#'*F$E1T+DW+ENS;K.WCA%JU;)'7<.7
M*J:#=!%,HG46665,5-)),H")C&$```]<$'&7E(QLT!^YD6#=B9$CDKU=VW2:
M&;J&2*FN#E10J(HJ&7(!3>7B(G+P/J&`43MK8T=J76E^V/)-OW(E(I-PN*4$
MD];,7UA-4*S*V9:%C%7/D3[Y\UB5"D'Q/X>IA`2E'!*570CBW]EJ=K[JVY[7
MV^'L+>D1>I(?;\S!0B+*8LK6&E("/GCQC%)=Y%,)"2:I/P3]5D$SF*(\@&!3
M6A<$=\R3>(QZCQJ1^X15<-V)W"17B[=`Q"KKHMA."RJ*)E"@<Q2B4HF#D?4,
M$$0:/W3$[LK$Q8648>O.(C9.Z=>FA'TDS>R+@NF=Q7;3SVQD(W!,Q(R?DJ4H
MZ1`2B*)%RI',)RB(B6J$O(/V+I9PV;/&CAPT*W.Z00<(JK-BNTQ6:F<))G,=
M$KE(!,F)@`#E]0Y#!!!J'8VAN+9V,IQ&5F"5ZPP=6G]AJFCF0,G[*WT9[L"+
M)55@DQ5DW"<(P.18JY&@$<B!`$Q1\P$T>GI*WUEM*J[5USJW9L`LXCX3;]%J
MNP*?&S_V<?8%H6W5J/M;!LZCDGCM,)1I%21!=)(*KD2.!N#F*'D(--.A7@OF
M0.4F0O&H/%TW"J#07"0.5DFATTW2J2'G[JB;918A5#``@0Q@`>!$,$'PK]B=
MZI&D>M#2**!'2S`KE$SU)LJ82)N%&H'%<B"ARB!3B4"B(<`.`:6\E'.V02;5
M^R<QPIJJA(-W2"S(4D!.590'::AD!31,F8##Y<%$H\_0<`AF'WI"36^[AHUK
M'";^DM):VW8>[)RK%>#DHG8UTVM36\4V12`3IJQ*FK%G*KD5!143>$*4`%,P
MB)II7TDUN7C1DV5>O'3=HS02%9=VY720;(HE#DRJJZIB))I%#U$PB``&"`1V
MT42]XCIN=$")*>Z1=,R7@N4IT3^X!A+X+$.`E'G@P"`A]<`I2[;$H^N*Q<;E
M=[/$UVM:_JLM=[G)/G("%>JD(P=R<G./VC<%WP,VS)BJ<!(D8RG@)2`8W`8"
M3>B.WC[-7I6-@YB/F8UQ&65%JO`/"NTB)RZ;QO\`=M@8`J8AW"JK8!."90\P
M`!Y`.!X`[([YBFY19J/&I';CW@;M3N$2N5Q;)IK.`10,<%5?MT5B'/X@/@4P
M"/`"&`;(R\46."7-)QX1)DB+EE!>M@CA14,4J:P/14^V%(YC``&\N!$0XP#D
MJ.6R)TTU7""2BQR)))J*ID.JJH54R::93&`QSJ%0.)0#D1`AN/H.`:&;]C()
MG68/&KY%-=9LHJS<(N4TW+<XIN&YSHG.4JZ"@"4Y!'R*8.!`!P"*=W[BA]+Z
M5W-N95G_`%6UTUKG8&P)6N14DS;R$F.OZJ_M+ZOINE070CY%VW9E3`52B"0J
ME,8O'U$I5:7B24SF6#I.*`[ELV>S$>219QRKE$'JJ'LHK+F10$Q57!&H+E!0
MQ"B4O(<\<A@@B716\(C>-=LDXRBE*XYKFU=W:Q/"OY)F]D'@:5V]<-0OK,BF
MV*F=.+GY*H'<HE$HBB5<J1S"<HB(EJAVNZ-N0^G=.[HVXHT"T)Z5UI>]CS59
MBY)FA)ODZ1492WJ0?OJ>\G&/I9I&>VD=8GB45`.("7`2JZ'1:FWK&[6NNYJ6
MU@'<(ZT]8J%7W3MX_:NB6$]ZT_0=NI.V#=%--5JE%,[ZDQ5*<3"=9N90."G*
M``U0YV\]SL-)5&MVUU!N[.A8]O:5U&DSC7S9HHU?;EVW4=3-9E19<BJ:C:NO
MK85VX1``453;F3*)3B`@"5261F(@(T9D92."(*D98TJ+YM^VE1(82&5%][OV
MH)%.`@)O+@!#C!!\D99C&,A?.739-(X`5I[KE%$'KE1,QVS1J=0X%6<._'A,
MI>3&'Z`.`1?U^V^QWWHK3N\64*ZJS';^MZ5L5E79)XW>OH1&Z0#"=;P[M\W(
MBV>.V17X)&.F4I5#EY*'`\8):HZ$I%EHHT<,P63CS1)45')I0KQL,<5NEY>Z
MN+T%/M@13\!\C>7B'`\CZ8(-UQ(,&A6IG3UHV*^<(LV1G#E%$KQVY`PMVK45
M#E!PX<`4?`A.3'X'@!P`XD&#1=HV=/6C9S(*'28-W#E%%=ZJF3W%$FB2ARJ.
M5$T_U&*0#"!?4?3`-2#QHY4<HMG39PJR6!N\207254:.!237!!R1,QC(+"BJ
M0_B<`-XF`>.!#`/@OF17A8XSQJ60,V.]*Q%PB#PS--0J)W96PG]\6Q%C@45/
M'P`P@'/.`6[]?-]R>^'6Y)).DQM7H>NMNWK4E/L87EE8IV]/=76F>HUZGY>K
ML(1JUHL4G:Z\L2)(:3DEY%@)72I6GD5$1+5"X(9>**8Y32<>4R;UM&J%%ZV`
MR<B\(BHS8'`5>2O79'"9DTA_6H!RB4!\@Y$%+0MR>2=IOM>D:;9JS&4MU`MX
MNY3QZ^G6;^E,5U&>?O:>=C./I?[6LK*'8O\`]Q:1YP=(G%$JJ(`J(%5GE(Q-
MBG*'D6)(Q8C91&1.[;E8JIO3I)LSINQ4!NH1VHN0J0@804$Y0+R(A@%F_P#Q
MGPP=.[9V]-0)HL15%MCHKT4TQ'A,.S:ZVQ8]5.O;EA;_`&*/[F[KIGB8&3'V
MTE0(;DP"."KI][I+S57K-N"PKNVR(-T_><"JNDF""7MK+>ZMYG+[2?LMU#>1
MN`\2&'Z`/`I-I64C$&))1>18HQBA&ZB<BJ[;IL3INS)D:*$=G4!N8CHZQ`3$
M#<'$P`'/(8!R3.$"`L)EDB@W`#+B90@`B42^8"MR(>V`D]?7CT]<`HVXV]_5
MG-.:QU*M%T-:+E%5>3/5Q@!+28F28R[M6]VDLW-PRH5*,7BR-EQ8E>OO?=I>
MVV.3W#)@5:B^9.%UFK=XU7<MTFZ[ANBX25701=@H9HLLD0YE$DG14CBF8P`!
MP*/'/`X`;OV+P52M'C5T**[EJL#=PBN*3EFH5)VW5!(YA37:JG`JA!X,0P@!
M@`1P"V?9/;#6U'^[:0+I"_3U?[%:(ZW7JOP<@FU?4BW[WLNMXB'=2IWC<47"
M,+!;1C)5=-`3^XB?V0.18#%()47[*%R02T4,<,P$G'C$@B9P,H#UL,<#<@B!
MEQ?>Y]L")1`>3>7B''UP0<K[A#A4??1X1("BP^X3A),Q1.4ZH^7\L@D`1`1X
M#CUP#5[R7D)/=3\BI@L8OF7R*D83`"HASR"8B0>#?3T'`/@+H#[8@LD(*IF6
M2$%"?S$B@43*I^OZTR@<HB8/0.0_/`.,23C56:<BE(,5(]5`723XCM`[-1L4
M`,9PFZ*H*!T`*/(G`PEX_'`-TCQHJY<,DW391XT305=-"+I'<MDG7N?;*.$"
MF%5%-Q[)_`3``'\!XYX'`/BCYDBN@V6>-4G+I8[=JW4<(IKN7";<7:B""1C@
MHLL1J451*4!,"8>0AQZX!].\9IF,11VV(<B*S@Y3KI%,1NV,!'"YBB8!*B@<
MP`<P_I*(\"(8!0ENVUK:B?T&-MN4)"DV=;6%$H*KAR*J%IMDI%2TXPAXQ=J1
M=$ZKF)@G:X*',1`"(CR<!$H")HV5V5XT.Z48D=-C/44$G*K,JZ1G239<ZB:+
MA1N!A6(@LHB<I3B`%,)!`!Y`<$%"W3;.M=>(1;BZ72"@$IFZU;74<+MX!S+W
M:[2;:'JU=.DV*NJV?R\@\3(3W0(0A3>9S%(`F`2DWP*Y*^9&=`Q*\:F>BU!\
M#,KA(70LC*>R5X#<#^Z+4ROZ04X\!-Z<\X((5L^](>N[WU!HM.)5EI';%;W%
M/_O[*39"SJRNH$M<+O(F68`51TJ]G$=C(G1`#$%$K<PG`0.7@332IN:\WA$7
M[9V^-8EBE821T?L"L4`SU]),U"W)U8].Z\W">0A61"IN4$HJ-V"DT63-[A_-
ML97D"'*`!3F365=`Y4CD62,5<?%$Q5"&*L8"G.)4A`1!0?!,P\!SZ%$?PP0;
MN`,`8`P!@#`&`,`\WUF/L_55M[%;$U9`V(;9V0[:=J>B9'\/&29UH2X;F?4"
M9Z\[<E_81\4*IJFPI6@5I$_#=$DZ/D<`XX%U4=$^2J:9P^M-/5V3T%:]==?H
M72CWOEO2O0VS.V>NYC9>A]4--5Z$US$42*<4=*2JL39[[L&+7=,J\I(R\>R$
M[%X9,[AZ+9JL''7G3D1=UVTM3=XTBEEW3KXNSF-(^+'?,?26=_I=E;1D$[BN
MS>TH"HO(>E71>5E:C:*[4H1BW@BNEEK!7F7\E%R4YE5%(YDMTX>(V/N&/I?7
M'MY`;7L<^WVQV,^/KH/):Q@Y1E8)&\;=FSZ@GJY<Y2J,$6J\E9'E>M*BA[&L
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MZR="P_J-IG6.\[?U0I^S*54=LZDI]B^6L*C6G^KYRL:44@0[":,;T?\`I_3E
MX?V9I"Z]3@IQPYJ45(+OVS)B=!=@($2;F2%4FTG3T$#/DM$J]='#;NA$+V,S
MSXEJ=4>G[:^0ECLD\IL"&D.P\3MFOZ3%PT>S`=@C(IZ\+S&&+95HU%@9(PH)
M+F*Y$Z]7N_O&37N1<:[!?$M&:]F99%ML#>'6[7&G]2TXJ+AQ9=B[2M5&KK6#
MI-4A&:"S^5GGRH'.**28^R@DHLH)$4E#EDHBO?\`14M+W>VU^.SNT<;9(QFK
M\DDCWKT;)=3'[B&>K;>_P=;R>B#:_D-2S0-%'S70,/2&]I)=`8+$@DS%L!9<
MONK*@I!4N"I\%-27-6:2H%0N?7C==8U^UB=L73Y:^],';]D)1#@MUEM;SD]W
MP;!4I:?42&4_PS<HUF%60BE%`ARNV[=TFD#@2JFDBK::Y47X'5="--TW3\_\
M5<]0:&E3;!M3H[O9;=ME9Q;MO9-ARS9GUGL\*.TY]PF,K99"%G)9^>*"5555
MC4U5F[/VD!.E@F7[7H95FQM$VO9W97Y3K#$[W[$:<9P^L=(HI06I'M`C*Y>5
M4^N]A<J*S`775EZD)%XD8H-##'NVH%2$""7W.#Y',A.B7`QV;^O<)(===;5.
M6IVDM;;;T]T(Z,S.F+;>M07>^]J=JR[BJ1EL,OU<G86Q55;5L7J:QQZB,Q*,
MTIQPQ>`NO+MVT>DD+ER*DM>=*OZ,O)7T]46%XV?OEK0TR;J0^;34D#$[/&*>
M*WB(UW-6;1U'LM=KM@.F:2AM=3]1GI1O)L6ATXEX#QRLX(=4YU`$5?#ETD3Q
M*>A`ZC;.KECK\>GWU:WMHY^0IHA7Y`W:ZPZ-3[>:_?=K'[J48,!V/8]'6#3`
M'7B0BUEHAQ33-T(L/%,B1))UZOX>7U:&_=B:"<7+9L]J*O1K_P"*Q/L?T[=]
M@8_4L`[#KG(R<?K;?C?:,TRKM19EJ\UJ.&O;C32VP1BVZL&8[)P:4`Y6\N`"
M-::_'3Z?B=SMMOIA7M56-@ZQ@ZQ:/B_J?6#0+[>5,T#"-&U$?PR'9+M>I3[X
M:,I\6:.NW7_4VR2O92]UB(!(';9TA*.2/8V.>1[R`JTU^.OZ"_KY!%=7FO\`
MTPGNQC&(G.DC6Y;*7VXK96!9[3#'8,AK]N7KU8MRL`;O:^OK5!\,TBU=2Z9X
M-K87<2JL)%@:J$DIC76GQ&/GL1M71]'J??76]+EX>*C]X(=#+%U3H]*B'PLM
M@:A;U/4-/9V#4D+`L!:OM>51S47Z,BY8%!E!M&8JNQ;H&2,>"I)Z/PK4W-K0
M>K2VKY+]#5*M:0[:RNZ^O_>O:5EV'7*$2?[':)O4`NUDXOK]ON1693Z5IJZ=
M^<-$M8@1:+D&!*PBV0C7169),IA5T;JM44UL-7I0Z@-K/-A1.N96@3_Q\:EC
M_CH-4*V1W#+7<@[H+M.+ZGIU>.^SBNQQMW*UU5Z6!]BU&6&*4`?;1,9,2NJN
MG&NOZRH[%UMAM@COB]=@-;)6G?Z/<CXGJ+:KB\;2*M@CV4SK#HK6MVU^K3D<
MHFM#5*Y!<++'V=.,429S+%VX0?\`O(D`I)H1U4I3A1_B4GNJBLZ!<$*+^T:-
MUYTXHWR"=D6,G6>P&MK%9^H5+G+'UCTC8-7-;90*U8*;7(*GN[=9[FYAU'JJ
M=896A^0WM!(*,C$@E:^/53VDO:?ZUZR?N)=GM#<#:X0VNOB@I\%KSME5V%CC
MV&KJM>-C=P(8NR-0FM<K:7T)/T#5<FT81LNL[=S!(IJ'+GVG2WNR0V^7[WZ"
MZCHA;7DQU2[+ZYT'3="L9?4#ZUT36&YNK=61I&A.Q5X4TU6I:`V;585<KAM'
MVN/EW[.%LI"2<\S1F8Q4A)-<"F2;BF7Q)LQ:)I=5G&M(N-ZZ0;1IMI'X5^^T
M9V2904),,K,MM=O2NNS>3C=X(G:(KR_8M"Y.I[]R&4!:S<+JBX$45T!/!6JU
MUX=2)\WTUUH%R[6Q]CB6JOR)RW:3KB]Z2O',,_6VY_ABTK_7S_"UYI&9,S,[
M8Z;@Y)M;_P"MPC%B1:!BSPS@>"QO<DA5T_<IJ<+7B.AD-M5QIJ&NI->];7Y=
M>RUFM!V5??,]OO\`K^._MX.]E/WTN];-GJ_7*>T<;[-F<Z_]*JSZK4B7,L`<
M0'6FOP])`T-<*I?XS;ERU]`:'I%BVI\7/R)2NX=.==].WZK6C6]W>1.L)R$U
MAVBV/,SSQKM'?57EI291*V>P<)-,W02BJ*(LW9?,32E*UXHNXW7:I/K[/=C.
MZ#:MR\P;J9V7Z_769B6#!^I)6G6FS^@VGM&WB"C6Z)`-)H-YVX0\LJ4@'!->
M!*/H9,>)?$A:^[XK\2Y/>779.G?''UIZ\7V-<6ER&[^AL1N!LFM(+C9[-9NU
MVG9_<D@]=1RB;W[&Q6J7E7+LY3E+["ZGD8">0X*:UDVO3]Q;+M3_``PT9/;[
MT6OJGKI3^N<_\@=.8Q,GOS6KF=ZG=>1==$]5[->65QK*(?U.L+J[!V(+UC%-
M#OX>$"S2JRYUOOC)MW0E5>NM:>WB0AI#_`-&N=>O^-1I7I[K6QT?WEINAD+S
MKNUP.O&VSHSNI>8QE$:ZUW;%;%8Z/L5YH9I`M]<Q)G"UC:0*#EI#JG,1?R%3
MK5]/'3[BYB]$I,;\*W11#:;.RM=<-"?&"RV-&';6-.S(TI/<6@FEJC)EA%D_
MJDRI(;WD99N0HN3H?<)G*(B8!CD4_P"\=..I:]M-A2W,S8YO0XZ(AOC9<=[M
M?.Y!Q=]?V&U]*T[$TZ?V:-L$Y*4R@S%1K[C2*N_SUY!T[373J".P40</0.JF
MY.`J7IKUT]O$ZK=8Z\J_6VD:%L\_U)V'7HWJKV:V+H/L%<='[-VG$VL;KMJ]
MEK'6_HW4O\0TIR*N>H8.-A6<?)(V&4GDXT(8\8T50(LLC(5:UUK7Z5+J=02^
MGG6YKA)=GF5:=]P+AK+JG*=$;7ON+:RSZ4C'/6?6Q(MMH*?MC%U$Q]X9=J%+
M8ZLZ429&7!P[:N7Y19G9&""EUI[OP\_K.!\0M(BT+Q2KBVVMU^;[,B^J04SL
MEI76NO-E4W>\MM=S<*5*REX[=NKUL&R+2VXZ1=F-F8"_>QS1_)*3[Y1!4[`J
M)2R3-U\>/TH4W;6NMC[2VC%2D0BK\F3KY.*#+:I?.H=^ON0_7<NX]=J0LC6I
MI-L>4+U:9]-$I9I/%16"K`J64;NB_NIU"F#6G\%/I[:E]?4;5E$UAU=[@M=?
MZVJFOAE.P??4J[2ITZ+JW[JR@]T;=AJD55M%1S']P9QE>;MVL<`E.FDR(FFC
MPD!0R$4R=6J^",7->Z>Z'::DJPAHV"5=+?!B?8T@H]KSQZZD]ZL8"'<16TYD
MSM-563WU"+2CLL=95_.SQQ'"J;9RD0PEQR*NIU_S$O6*BI;AVA$0&T("6N5>
MMO<OXY)*WQTXVE7$=9D&_1J7DIA*R)"4K>7@GTTB"<LV<@=D[`YV[HAR*'3-
M)-:+3P?WG%95O1&OMJU&I=BZS68'H]KWMQ\@U>@:A?J\@/7*E[.F(O2U@TG&
MR-;DV*M)A8D(:8V0-6170)&-Y9Z9)B4CP[,F"*MK3XJ(D&KPP?\`<,WJ%UQ&
MS5?;J4W?S;7,?;J[9',S"QRW9/80T<UCJTJ9G:W8Q[`[15TS<G1?*I$,0YR*
M")@+T#_>?3P.OAM<4/8D5ULTMNRA3,]OV&^1B*D.\<;?/O;`3;.P/^%SLI*U
MS93A\#!A"V[KG?XF*CCU*,*V3@8V$13KZS-!PP>,B!XM<*:%(0<#U[HM]US6
M>UE;J43TCUYNSY0JC2*UL^OE6Z[4C:@[UH;K3\),0,RR6HD.T;ZF<7E"D(NT
M2L6HJ.F\<!%SM$Q@:M>[\6A%E?U#;[=KG0/7.UPFQVU`^2W5\?I9Z>7:VAG:
MZQI3J_V$V?M:CK7"0D0+-5V=M?1NZ,X-,TH=%^?]J006Y<)B4!-=:\U]/O)*
MU%,;&W&OUWW]L%C:4;DW[N=1^J<ZVE8F49.2O.I6FMW0FWIT$5FZ8A!2W8Z_
M7`B;KC[=T@T;J>1BBF.20Z*J7A]Y0U$TE(ZVZX=3;?UNH4K5NR.UNI_R&QDG
M;ZE&O&&RKW=Y/4MBM>NH:V6(R9)::/$[&C(Q2N-Y)4Z<2HW118@BD`D$36LG
M7A5%SG19?ILKWBH!.G496XR&0^.5PWV(C3(A["QH69MN#52+-K?&ZC=HBMO"
M/(5TG9S/BFLJ9A;%EC>?VX8*9=73[WB1/M[477Y_MWNOJW_#NA,+SL#Y+?CH
ML5SK4%6F5>NUKT5;9GI>M.3L@X@V;">DM:679:$_]^Z(J9BO+_N/OF]\5QR"
M4W1/T/\`$H_L%0F>M[;;=?P5?TEK7I]1_DO?.+G5=P:SL,]U,I[6U?']J&PT
M16]:\ITS3X6/UE)[TL$B\*9=9*L-+H^:.7:?W!B&"1'7UT]O$TK:LF==UGJW
MHZG;$9;DH7R+49CU7D=@:JB+)':^84K4/8RY;V:QU>"PSUHFF%/A.D]XV!48
MEVZDW2CII6(XH+&(*0!`K6K\/I]Y?E\D\/8:I<M46RE1DFN][+46_P#QV32\
M,W?N!BWO8F8ITKKBVR!6!#%C8^BC4[(`/E/!)H,N/)RB<.9*8\*>&IC7N%-V
M*XTMO&A1K.>2IGQ^+Z9Z-2SFX5G8-@KCSKPOW!KVQ]N3$S#4V0B;M?*"/2VH
M:P&SA#N_NG,*I+-_=Y*J48*UQ]>OV?IJ3=IC0.HKK?>K$,I8^NG8+1UK[H]B
M=BQ=)Z[4R>B.KVNGK#IVW2=TB%JDQ<+U`O8178T(>U*LP7_9D;'*J&1;)KI<
M%DAMJO%.GXG%Z!4F2?\`;*J6&_[9Z^U'L[2=M=QE][ZVC=>[!A^W6U("T6"Z
MLXZ*VY<):_.82TZBA4U:I/U-\2%"$2C(Z.;PYD$SJ$-`D].=-/4='W)#KD]W
M]\H,+:V+-]W!DJ5UF:=,_..D7NQ$-OKZH2'5:G7IXBW6<Q5\9[738N9Q2%.B
M\3BTVRLH/[:F4Q1,:T7[O,J_9&IJ/%UGL]MFX49->J3WRHU.)[8VI:%DY)Y)
M=48)]K)[.5^:."+F4'0C.]?M\G9(UN'[,K&?N3E\D=$SPPB$WHO1H1S:*EU?
MDIIAL5A2M4/.A=4^4S4+W5%CF:9"N=$U>&LG5AQ7=WRNN%):(4K5?TS9NP@,
M&JR[`J-<>6TBYTC&.('&15_YJ?B=/KFA[/F]S[4E(#;'7JD=]*EM'Y"9=*E$
MH6PXCN)M%M9*IO2$TI5K5>I_8(52P:$:5V2H=CJ[I&#/6V+>!BT&@HO".O*/
MO%53GTZ%8S4%\:<[T^T+,4S76CO>U9OCHU,]O/Z]U["*[-UZJOLN.KU]D>UR
M]NA%+6RL_P"XNYMM8GUF,954%G2CA4S905#2/?ZOKH=?KZE3UB[DWA\EMKK?
MK?LK5NX.[KOK.#E]=W9/M5L[1R^N;G$:2H54OKF_-ZC+]9)G2+N%5;(L85>M
M1SJ,'W2!-(+K`);]VFM*>S_:5ET4:]8?^(OXZSZ:@&33?$/TX[`1';J28UV9
M86]IN%5EUV5N47V-EG3!N9UO1YLAK/+F+,J*3BB1'BI!%F<ACB)5HZ\*Z%/]
MJF^AR;P^21N>!;AWKG=U]4%.F\LO7Y!;8[R[1^C>N2=%<Z#FE&9EB(5^\I.E
M+H,,L5-"(\AG/^KQ)D!5HOW>9=9U?JTT/>VY]>'T;*-Z)T-G-];EJ+KVG#>O
MNP[X6%K<-*LXHYP!%Z37%5>[/KWME$P-$/8('B'CS)#^&O-_@9I\%L8`P!@#
M`&`,`8!:M=NW&M*\YA&=3=-=A/%NS=+ZMW-O"R161Z#>;;'M9APM+F>,Q(]2
M@HF2:+K$0$2'!?Q!4#D4*43TO["Y<\O#A&EF%).-"'.DBY)*G>M0C3(JG(#=
M<KXROVHI**'+X&`W`B(<#],$'98!U/[[!#')S7[S$C$J&(FE+?N+,8XYUERM
MB)IOO>^V,95SPF``?DRG!?KZ8!;O>>R#FI;=MVH(75%RV'/U73NO-OIH4Z0K
M@2LVQOFU;!K)6(CXZR25?CTU*RE7EI=VNL_(!V13D2(=8I2*"::5*DWIO:'T
MHGK4KN'&S/=B[HU)J(D8SE6;)Y!_XK6Q.K,+<[072<*KQD0]$3F(!2"N8@D(
M<I@P$JG0;QW_`"6L-C=?=356D1MYN6_+I.PB*<W=FU&A*K3:;77%HNUK=O1@
M;1(34HUCTDV\7$MV9?W)ZN4BCIHD51<H)539+5#O2MLH]1MMFJL[JN7M+"-<
M.*#?G5=2MM;DY,RA&]>F1KTY/0*LR*B8E`C-ZZ3.8!`AS<#@@K-5_'I/&L>N
M\9IR#LBZS%BJX0(\<D;%#[E5JV.<%UB-R*!YF(40(!O7CG``/X\[P(\KUF>0
M!N=Z#('"!G@-2+"T.[!L!Q7!N1QRD*GCX@?]///I@%$W>]'JS5NI!52;V--!
M::/79.M4UU7#3U?BKI9HF#>7&70GIR%2;UJI1K\\O(>*AW:D>S5^U0<K^VB<
M"H)NRQT/'6-V5=L^>UJ$=S;Z(0>-P?D;MV;AX@"R/D=5J5Z5L8J9SD\1]1#G
M@<`I#2FSVFY=*ZEW.A%+5MCM;5U#V>C"/GB+Q>!:7FIQ5K3BGD@DF@W=+1:,
MH"*BQ2$(<R8F```>,$M4=#F/=N:TC[G1M?.KI!DN.RX:U6&B0B;K[A:SPM)5
M@$;1(QKEL19B9"*6M#`IO-4AE#.`!,#^)_$*/B5HM*Q+=-9PXDHY!)JHW;N%
MUGC9--NL^^W%H@LJ=0I45'GW*7ME,("I[A/$!\B\B#></V+11NDZ>M&RKMR1
MFU3<.445'+M5-19)JW(H<IEG*B2)S%(7DPE((@'`#@'PSZ/3>`Q.\9DD#M?O
M`9F<(E>&9$7*W%T#<3@N+4CE8I//CP`YP+SR/&`6P6CMOK*)E=7QM0=,[ZVO
MG9>9ZP6"0AY--@VU[<ZU0-I7FR.IDKYH'WK>$/JY=BJ1$2D,HX!0JHD2,`BK
MI?/P+I6R[=RW0<M%D7#1PBDNU7;*$5;KMU2%416052$R:B*B9@$IBB)1*("'
MI@I*$V#LFK:[H&QM@2SI)]#ZOJECM5H91;ADXD$6=:@G4\[C@05<HHHR3IDU
MX126.D!S'+R(`/."4JE.]?\`8EJVYIW7^S[I2H77L[>J\TM!:E!7<FQ6D-$3
M90D(-NM;4JW56[Z44AU6YWR2+04&SP5$4UG*:95U`:HZ$JLY&-?-R/6#YB\:
M+JF13=LW+=PW6725,V.D1PB<Z:BJ:R8IB4!$0,42_4.,$&M9TQ;)J*KN&B"3
M4%5%5%ED4DVX))"JN=0YS%*B":!_(XCQP0>1]!P"%^P'82A]<:=%6NZ-;3/O
M[5;(;7^O:!0(!:U[$V;L&PD>+PM*HU<06;%D9ETQC7;Q95PNU81\<S<O7KEL
MT;KKIB4FV=AJS:DOL"IS-CO>G]C=?UX:47C7==W$[UH+YPP(Q8OD[`SE-;;#
MV+5%H)R1_P"SY*2";A-R@LFHB4"E,<&J>DE9Q(Q[1N5VZ?LFS4P(F*Y<.D$6
MYBN%44&YBK*'*F(+KN$R$'G]1SE`.1,'(@VC+LGJ4@Q:R222K<1CG1V#EL+N
M+=.4$S(D,406(U>@FY343*H0>?(H^(@(<@6JZDZYH4O8)]X[`[$[-[#VVNT6
MQ:RIUAV0;5,1":[I,K.P4Y>4(^,U/0->0#NRV26I,4$S+R";AX9*';HIBW3*
ML542WI2E"ZM25B4F199:2CDHT6GWI)-1XV(R%@<$C_=E>&4!`6ARJ$'W`-X"
M!BCSZA@@Y?OM_P"8;WD?Y)`.L;W"?RDC%%0IU!Y_002`)@$>`X]<`W0\1_47
MC@W!N0X_5Z``#R'U_2`?Z,`A#>VCHW?T!5Z=9K;9X.D1=]I]VN-5KJ5<!GLY
ME1YQE;(6CVQ],P,Q*LZ@YM4.P=/TXI:/=OD&QFBB_P!JNNFH)3IJ3A@@^"`"
M'`@`A^0^H8`$`'Z@`^H#Z^OJ`\@/]X"&`13N'4-?W37JU6['(S48TJ^T]1[:
M8.()=FW=JV#3>R:SL^N,G)WK)\F,2_FZJ@B\*0I%CM3G!-1,XE.42G0E;Q+X
M^'B'AQX^/`>/CQQX^/TXX_#!`\0_3Z!^D>2^@?I'@2\E_(?$1#^X<`"`#P(@
M`B`\AR'T'@0Y#\AX$0_TX````1$``!,/)A```3"```"(_B/``']P8`X#D#<!
MR`"`#QZ@`\"(`/U`!$H<_P!V`?<`8`P#X(`/H(`(<@/J'/J`@(#_`'@(<A@'
MW`&`?!`!]!`!#D!]0Y]0$!`?[P$.0P#[@#`.NF&"LK$2D6A)R,(M)1SY@C,P
MYF9)>(5>-E6Z<G%GD&<BP)(L#J`J@*[==$%2%\TSEY*(%M6F>L:NM=ASNW[]
MNC9^_P#:<I28[645;MDL]<01*GKV/F5[&XK]=K>JJ'KVL(N[)8%4WDQ(KM%W
MT@JS:D]Q-!LDB45-U5%HBZ7@.?+@/+CCRX#GCGGCGZ\<X*0(`8!*8`,4P"`@
M(`("`AP("`^@@(8!"%AT=&VO>^O-XV"W6E__`(45BT1-`USXU]O1X2UW1!2(
MLFRE3H0A+5*6]Q45#PS8KB2/',F+ET*38%G*BN":Z4)PP0,`^`4"@!2@!2AZ
M`````']P!Z!@#@.1-P'D(``FX#D0*(B4!'ZB`"8>/[\`B&E:8K=&VGNG;49(
M33J?WB]H#^S,)!9DI$12^NZ<E2HC]@108H.VX/(M(#N??67$ZWJ02%_3@ENJ
M2\"7\$&GQ*!?#Q+X`7Q`G`>(%`.`+X_3Q`/PP#[XASY<!Y<>/EP'/`"(@'/U
MX`1P#X)2B!@$I1`_\8"`<&Y`"CY!_M<E#CU_#`/O`<@/`<@`@`\!R`#P(@`_
M4`$2AS_=@```.1```3#R80#CD>`+R/YCP`!_<&`.`'@1`.0^G]GIQZ?EZ8!"
M.I]'QNKK5N.^+VRSWN[[LNK:U6>QVI.O-UHR%@(=M6Z+KZNL:Q!P$<PI]&@&
MPIM0527?.73IT[=N%W#E0^"6ZDWX(&`,`8`P!@#`&`>;:3TMU_>[!W_IQ/6-
M`C[+-?,;U]L6S:3"5&-@I^;TU/TK7UGIS^VM(B/9/Y;5EFM)9I0@KBI$OEU9
M)(_D95V0PNU=$_X2B]NTF/H5T84E]%Z4U]TUH???M;&/JYO[65BN'4BE6.SZ
M!TI/ZJ:VB@5^R4NMP%4=V&TWE>$7?+$K3"R2!`(D5^JQ,02G55_:I[>9DG+J
M2F$^)=MIV_\`:EBRUXXT8SK8=H8V+F&-89TE],HFI;U6&L]CDIF0UVW@%X^%
M=MY"8%23@BJ$6>)@N9<@HJ^NJ6I8/1=A==+K*]=9[MCJ;KA2.F-&B>Z6M:W(
M5"@JL.BVQ.P<5<M,GK6YZ97)V$"ML&NQ];.;JWK1I4KXI)=K.MXV0D%%&SQW
M!4ZZTKU:>LBY*%V"CH"12L\-L%)Q_P`%'5="IMK>QL![FUUB3Y*;\]U#$6`)
M-(TZG8(O2JL&#MN]_P"L6Y2\.@!0%,D:5]OX$D6IIU_'<]0C;G7$WG?)M\R$
M?8Y617K4HXVVUTLONZ6#4D]*SQ&2DBCUT)UO<5UC%'6<?TT63!%!,`E2&`H:
MT_AZ?I]IE`[,:LH5M[S_`!Z7"PZXJEFGJ[)=A%&-IEZA%3,I`'A-9I3U:4;S
MCN/<N8HT59`^\8B"J8H/@]U+A7]6"A/W68@=7Z*I&T-+2$EM#63>Z2E&^$2J
MNJ.-N@7TH:J78]Y[./B3E9:R")R0VQHQ>+9'92;8B<U'^GVRR0+'\XYEQO73
M][]!W?8C9,7;+Y6UIN)TG3-^ZVNGQP(4R;G-/WFZ]SMS0\K-Z"NEHVUKS:#.
M>@6NLM-P)KK/U^9<(L9MD92)FDI8[<'9$#`EIIPU]1.U.TY6ZG9=2[JIU#8Q
M&\[5\Q?=6O2NSU89T>XO*5,SW=*$9U:5L9T3S">IW2,)$F")!0L**J23E-+[
M@Q5ADI]'+I7X%):3_P"&93JUH^MTJ`KT'W@B=U="4>ZS:6KAVO9D-FM>YFBQ
MW-+[OEG[$EWG(U]M/[U\T>/G"T6Y8G3<1YA8>V8()?5U?PZT^HI2IWNN;$[D
M:ONL!4]):NVG.[A[U53<&IM9:=N,?V$K5:C=+]@DF3CMANE2R!%SP;"LM,@Y
MZ)AGD"T:+JBS6AG3MNQ,X6D-.E-6M/HB_64IM.N/P[Z3IFSMJQ>A:R^ZL=2T
M9G8%RB_OZE!/8J&U1)Q\!LFNNY&!+,Z]MLS'(P=EBUWK`C^&?NFJCAN"HJ$%
M.OF::ZEHNHYK1.PMQ_&]MJ]=?^O.J46;7O'H[6MEI%!C(W3]SOU8V1K(^H[5
MU_DYNKQ$C%P.TGK&RV2F-E"INN74@HR6=@8SUS!4ZI-:\B`%-.4'7O7KXN4K
M=`=>M?\`7NY]8;[9=NS/:36ETOFEYWM-<M>:*:5FQ[D_:;C22I[3D=<-;:SK
M<S9WRJ+(B*[)F"3L8\I!-6V^-:_85A<^N-3-IWNG/7$67838^A_B;Z@.=+;\
M>5N>_='%RJM-[2V.O;9UDC-/YN:J]_=O:U!//W%NZ5GO)LW*NY/SXF<B.IU5
M-%U,[G?I]`)[&WNCNJ)8&[JR'R:=/9C3DH\AY$VSENOCC;_5ACKY]3)]NT^\
M1Z^H4P9EE-))+EKY9XTBB\)^Y+`!Y"KR^&C_`!.;`:4ZW3ETC-+-=5:W3DV?
MS4W:4W3KJ(I,7"NW-&<ZC[4W/32FQH2.C&1Y?7<NS6!Q%)ORK0[YJNJB4%$E
M5DS0*NE?X3(ST\@;16.M_;>@ZHC$JL\I/93NK5-$5I%D2(KM1;I7FSO:%"5>
M+521C8BHL)V2`S)L@0C!NB?P1*5$I2A)3+BJ^",25<I_7:[ZMUO6-`4.%E[3
M&_&SV?8?(3!KTMRM/.+XUUK2)"L17:-K,Q7O3W89'L9&R<A%C-@XL)5&\PZ;
MF!LH=0\%;K6K\=#*#O*D.*K\2;&FZIJ$G785CI+1Q[53M40;N%FPU0[L&O9?
ML2PK4#4&[26+,36JW-E,JE'IA(.7#A3V@,Y4#F2A?'KXED-BFNO,%=MG[3ZJ
M-JS`])*'M_XP+??++JF"6B="0.TZIOZ\'W%<J\A7F#:IMB573CZE?UO(1R7V
MS--)J:1.59JZ%(54?"7Q:E1U]CJ?MGV2JCYY7D]JZ2L_RG;MF&I9^`E7%#N\
M55?B[J",1.&92;5**MVOW-OA2+QZZI'$-)KH(KH^\'M'$1K&/II^)D#[QN'&
MM-G],.TLU$6&:U+UXVSL8-QJ5B"E+1)4*J;=TM=-:1NWG->A&SV8?5VBV24:
MMIE9HW76C8:7=O3$^V;.#`*8ZIQYL@3M7O/K!OR8ZA[#FKYKK;O1FK;\V!";
M^L)E&UOTA&[&)I*>=Z8';JOL/*NYIT7:9DH%4D@4B6=D<Q0KBFY(B)()2:JO
MVBSK5&C=8;DLVIX>VZN:WGKI'Z^^7:S]8ZK=JU*/*@PTN]W?UM:::?1-9GVQ
M6Z5:382,RXHJ;I`!8U]=FK&E233;F))4VU7QT(#V/KBG:NZH03J,J,]5XG:/
MP]]?;YOU_56=D0N6RKZPWGH)W)VZW2T>(VFW;D!E<IT$)!=5>Q**/5"$4,($
M*42FZ_YBX^Z77KO4)CLC*=;M=Z&F^E&PK'T?UM=)VV464E.EVMMW)SFZ9G96
MWKC3:RE"0<^E5*=%Z\B;$FBYCF2MA?12<P];&;/3I"%5TK\6OK*2ZKZLU_N;
M:?6JC7>JTW:VDJWVF^25]4*\UU1-4S03VOJ4S4\O7%ZKIVW2=KB8[5KN8L\A
M)5]@Y<OXE519-^P_0#44@;:3\:(IZNU6YQ6L^J6JXMK;25_Y`Z?+=$K0DW:R
M0C5*SUU[2[!N[`D@X<\.(]@7I=);)B62JI@,*,1'H`<2@F&0375OPU^GM/2K
MKC8M(VG5B6S7DN2;K!)VW51-\G&RD00DU0+9-42U1Q&4PPC7I2P]HKCQH"@)
M>PM[/N(F41,10TEEJG$KO`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`^<!SSP'(@`"/XB`<\
M!S^0<C_KP`(`("`@`@("`@(<@(#Z"`@/H("&`?<`^>)>`+P'B''`<!P'CP)>
M`^@>(AZ?E@'W`'`<\\>H\`(_CP'/`<_V<X`P!@#@.>>/4.0`?QX'CD.?[>,`
M8`X_'\?IS_=SQ_JYP!@`0`0$!#D!]!`?4!`?J`A@#@/R^GT_T?3`/@@`AP(`
M(#^`^H8!]P"TR_\`5AYM'8\99;UO_<LWJJ(V!1]ILNN_M:MCM:FNVN'\-/4P
MTA/1FMF>UI:J0MRK[.?"'<V%5HM,MTSJ^;8H-<$IT6G$NSX#GGCU'@.?QX#G
M@/\`1S@@8!\``#D0``$1Y'@/J/`!R/YCP`!_HP#[@'S@`]``./4>/[QY'_6(
MX!]P!@'SQ+P)?$/$>0$O`<#Y<^7(?0>>?7`/N`11N_3]<WUK"R:IMKZ:C8"S
MJU]9\]KSAHTF$#URS0UJ8_:.'S*1:I^Y(0:1%/)$XBD8P!XF$#`)3HZDK>)>
M!+P'B//(<!P/ER)N0^@^0CZ_G@@^X!"%DT?&V[>FN-W3]MM3T-2URSQU"UP7
M]@;T:)MUR:N82P;,<&1A"VJ3MZE-=K0K8B\D:-9L73DR;4%W!UL$UTH3?@@8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8!\$0*`F,(%*4!$QA$````.
M1$1'T``#`/A#D5(11,Y5$U"E.10A@.0Y#``E,0Q1$IBF`>0$/00P#5@#`&`,
M`8!QW#MJS(51VY;M4S&$A3N%DT"&."9U1*4RIBE$P))&-Q]?$HC]`'`-IG)1
MTB+L(]^R?#'O5HU^#-T@Z%E(MRIG<,'8(*'^V>H%5()TC^)R@8!$`Y#`-X'3
M45OM@<H"X_5_(!9,5OTE*8W\KR\_TE,`CZ>@"&`;^`;:BJ20%%51-,#J$2(*
MARD`ZJA@*FF43"'DHH8>"@'J(_3`/@+(BL9N"J0N"))K'0!0HK$15,H1)4R7
M/F5)0Z)P*80X$2"`?0<`^(N&[D%!;KHK@DLHW5%%4BH)+HF\5D%!(8W@LD;T
M,4>#%'ZA@&]@#`-`JI@H1$5"`JH111-(3E!0Z:0IE5.0@CY&(F94@&$`X`3!
MS]0P#7@&S]P@)1."Z(E!;[<3>X3Q!?W?9]@1\N/>][]'C_%Y>G'.`:E%4D0*
M*JJ:0'432(*ARD`ZJI@(DF43"`&44.(`4`]1$>`P#<P!@#`-@CIJHF55-R@H
MD=4Z!%"+)F3.NFJ=`Z)3E,)3*D63,02AZ@8HA]0'`-_`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8!99\A.E-D=ANJ&P=3:K<K$LMBG-8/9*(:S,-7G=QHM8
MVI2[5LF@,IJRQ$_5F3V]T&%D8E$)=B[AUU'947Z1V:BX"*HNCJ2%T^H^S]:=
M8-'4#<R%):;.J&O8.!MK'745#0E-CWL>D9%K&PT97(BOUML$=&E00<#&L&4<
MHZ34.U;HH&33*(E1MTX%R."!@#`,7O8/JEN[8.P^R,G1Y"-9TSLSKROZ=OS=
M>V/HIZ-'JFN[*]C)&%;-VRA&,W(V]^]J[H2J('&'M"C[W#'CDD3BM222\4<"
M,TYW@G++88^<MTG0J&#5NC&,Z9LM9`QI*MT/=,!6G,!(+NYV68PLI,OJ5(2;
M8B$&W._:KIBR5;(J+/PJO:=O=M5]Q[XBK"298TXU-'9$M`V.4M59<Q-BMMH4
MNZM$?1D$C$+KQ[:EP-C;Q*Q9!$B9A*H!$ET2E64"L3LM4=?NR.MMP4\J%YGV
M6FD;/M2Z3L<WG&EK_<YNZ;=WC:Y9O>%I^RQ#]XA:JI:JF+%PWCIES%O8Q=,@
MLB'55=`VFO2;P=7MSPLBJ[J%H1KG]=[VVE<MC2-;_HVKVAI0K;V%C+1'-8JY
M1-21M<O)/-3K22)U7KM=ZQ4<_;-UDRE1%,*HIU+5'>>1NU<AI*ZRL10(Z/A:
MK8K%$;&,:;LE/:[)HLLI*F=.'3A1CLG^B&4U'.GC2%8K*MCI*C)N73DQ&05C
M0[I#6G<6/2D$7CR0NEDA)2KO=>S4[LV/)KX]+JTFW,%2NT&1@6;<[(FEF)G3
MFS$9/')VKLI$W39=$Q#A6)RM7:,[./-=[U9;$LXQ.P-@:GFM>Z^L\C9'+N>@
M2'L>U92L(SDK$35NEF`0Z%U;@#E&8EGC9,>$W*AT2#@-KD;TWK3>:<31&FD-
M3)]=(F.2GVCRCTRY:^K\-&;'/(ZY&L[1N9JL1PTV5K=A7HN:9.HQ1,)1^!D1
M68>:B2[`15<]2(WFM>]`6)]6*9>=CIV2(UI0Y!S?[=L)@ZUL6X6"%W4KLJ!:
MPCJOJ_O<N^F'E=2B7;=JY9U\&K=3P1*BLA)B:Q*]=:K[AC7+O)1LY>B??(15
M?UM0YS<`2-GIE5E[K)/K=,3]A@Y^L(7/8\7&M6IHM5S9/MVT8Z%J+E=5`Y7`
MBL2GHG1_<.&,XDGDQ;)AY*R,#8=F_M^VHY*?N"<E1NL$=<JWJ2=DP1'62A;-
M0K68Z;<\&Q704("*J1G*2[436)..A=8]IZS;*O9]N;#E+&1;]UB;9!KV]O+5
M]K5RZPUPA52LX=M!Q+%>WL-AQ4P,A*I)(K/C.%U?_5ED$$!#<::%L-@ZL[BM
ML1>YHVA:=6Y>^VS:*B>LF5MI\=1:--6;7[2@ZCW17EX0Z[:0M=`+&*R4W*':
MM+`I(S2ZL<F<&31,1/4B7MR]8+K-:^[5U.O4]G9I'>NQH*SU*3(ZH#U2'G/\
M#:329:^S2.T8V<CX,BMHKSILN>*15FF;!?WHWVUBD\`4EI7D5QO/2N_[Q<-/
M62C2%%8,^OD56KC6F$U)7!9W<-F_NS1C<(YI(MYUK^U,G>K(J2K*+Z81E041
MN3Q8Z0*M2J&$)KGS*!7T5W`&&19(;>NWW8TB1LCARILQ,'BFZS5'9+:,9_<I
MPA2I4!"SKUE88M("QAOM5!4143.Y(X"J.JV;5?D"FHVW0M.`C!9,).,KMH)L
M6-9NEY8+;NBR5BX0L9%R%:^V@D(V3I\7(-Y99<Q&J#D`B9$&Y`=B?=.1NSJ/
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M<^^>-CK)N#JBJ=)0OF!#^1"BE\29<$#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
M`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`
MP!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`
M&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8
M`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#
M`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`
M8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@
M#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,
M`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!
M@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`
M,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P
M!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&
D`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`,`8`P!@#`&`?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>30
<FILENAME>g655598gr9.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655598gr9.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#7`)@`P$1``(1`0,1`?_$`+<``0`"`P$!`0$!````
M```````&!P0%"`,)`@$*`0$!``,!`0$``````````````0($!0,&!Q```04!
M``(!!`("`@$#`0$1!0(#!`8'`0`($Q$2%!46"2$7(B,Q0208,E%A<3,T)1GP
MD0I"@B:!P6)#1!$``@("`@$#`P($!`,'`@$-``$"`Q$$$@4A,4$342(&811Q
M@3(5\)%"(Z%2,['!T?%B-!9R).&B0X*28Y-TM"4U4Y0'_]H`#`,!``(1`Q$`
M/P#_`'\>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#2PK`*(DIHJ
M%)_(E#VT+D];0I3"?N6IOK:9'.=:4ZVOGT4GG?\`'U_]?IWZ9.,DE)^C)E,W
M7F)34F3@P#%Y+)R.,-*7QMM/.=<>><[]/^#+*/JMSJ>?Y[].?XY_GOF48RD\
M1(VEZFT0M+B$.([]4+2E:>_3O/JE7.=3WZ=YSO/KSO\`Z^8E/UX`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@%<7LY,:5`K`=?VE3BTM*>XKJ51HCB_BZKBN?Y
M0IY7%?\`+_RE"%=Y_GZ=\]JHKS.7]*,9/V7JR65\#!KHYJ!"1S_'.*DR.\Y\
MLJ1WG.+>=[_Y_P`]_P#IY_X2G_'//.<G-Y94L+!LY4EF%&D2Y"^-L167'WE]
M_P#W6VD=6OO_`-WOVI_QS_U[Y$LO"]2E$KLU6@03>OZK9ZY3*16UH2V9N)P9
M7:L!CKE,1&IA0P:E0A4)/9LEIE"W7$\<DN?3G^?LYYMPINMG'5U82LOE[13E
M)^_A++?CS_`\9VUU0=U\HPK7O)I)9>%EOQZ^/XE\1Y$>9'8EQ'V9464RU(C2
M8[J'X\B.^A+K+[#S2E-O,O-JXI*D]ZE2>\[SOT\U&G%N,EAH]4U)97E,CU=N
MU,M\FQPZG;JQ:)=//2:M;HM=/"C<FK6>$VT],KEC8&RY+H0]$9?;6[#D\:D-
MI6GJD<YWGGI;KWT*,KH3A&<>4>2:Y1?I*.5Y3^J\&%=U-KDJIQDXRQ+#3PUZ
MIX]&OH_))_/(]!X`\`I=SV)P^.5.A)>G52`5K6O5C`C4,C/_`%SD79KK7ZY:
MJEF[:IS<=N;:+#7[<-DQ(\=3O7DRT<YW[_N3S?75]@X1LC3-PG1*Y-+/^U"4
MHRGX](QE&2;?I@TGV.BIR@[8*<;HU--X_P!R24HP\^LFI1:2^IC@?8_&K1M=
MP]>*Y;G3NLY^+B%;R!%5>X3@U23.@!RT(38;Y'`.9^*M<H/8(4UL*\4075!E
M-R>1O@5\GELZO>IT(=G;#CI6O$&Y13EAM-QAGFXIQ:Y*/'*QG/@5]CIV[L^O
MKGRVZUF22DU'PGARQQ4L23XN7+#SC!>'G/-T>`/`'@#P!X!$:A?J5?V[$]2;
M2$M+51MU@H-G<!D(Y!`&ZU25R#9:L4['6OD,V#F*XU*CK^CC*^_17.=\][];
M8UG%;$)0<X1G'*QF$O,9+ZIKT?N>-.Q1L*3HG&:A-PEAYQ*/B47^J?JB7>>!
M[#P!X`\`>`/`'@#P!X`\`@EUTVAYU-H0Z[6:!79VH7F'FE`C3N2.KL]Z(`K!
M9H5;'_CL/)Y/D`:J1DIZYUMOXXJ_JKZ_;SNSKZFSM1MGKP<HTUNR>/\`3!.,
M7)_IF45_,U[]K7UI5QODHRML4(9_U2:<E%?KB+?\B=^:QL#P"'T/0*1J-6'W
MC.;4#NM0+/EHHVR5LA'*AYTD"9(5TTQ&G15N,.NBSHF3$?YSOU;?86CO^4]Y
MY[[.ML:=SU]J$J[XXS&2PUE*2\?JFFOT9XZ^Q1M5*_6G&=+SB47E/#:?G]&F
MG^J)AYX'L/`'@#P!X`\`>`/`'@'FZZVRTX\ZKB&FFUNN+[_X0VVGJUJ[]/KW
MZ)3SZ^$LO"]0WA9?H0S-=(H^P4&HZCFEC@V_/[Z!'V>GV@9R1P>>`%6$R1Y.
M'R6S&D\CRF%<4G[VT*^G?\\YYL;>KL:.S/3VXN&S7)QE%^JDO5/'T/#6V:-S
M7AM:LE/7LBI1DO1I^C1-_-<]R)WV]5++Z/<=)OQR)6*-G]8/72Y60AQ[L$!5
MZP+E&CQF;R,T_([%&"X3KSGV(6O[$=^B>]_QY[:VO?N;$-36BY[%LU&,5ZN4
MGA)?Q;P>.Q?3JT3V=B2C17!RE)^BC%9;?\$LD/<WO%V&;R_(TZFQF\RSL%K>
MB=E&XD5=)S*SC;$8K]XM#4A;;H6N%Q=1*/L27^(0MN`_W_\`UJ^GNNMWVZTJ
M;&[K77#"?WV1<5*$?K).44TOJOJ>+W])*QNV"^*M63\_TPDFU*7TBU&33?T?
MT,G&MGSS?J"*T[+29@S2C;DE`DH;IEUHDJ>B*Y\?9;`&_P!=J]A4-E<[QR-*
M[$Y&EL*2ZPMQM25]F]H;76[+U-Q1C?'U2E&>/TS"4HY^JSE/P\,SU-S7WJ%L
MZS;IEZ-QE'/\I)/'T>,/V+3\TS9'@#P!X`\`>`/`(A1-`I.H5B%=<[M0.Z5(
ME+-P(%CKA".4$3)M;.DJR>BQYL5;C+CXBPAY4*0GG?JU(CN([]%)[SSWV-;8
MU+GK[4)5W))N,EAI22DO'ZQ::_1H\=?8HVJE?K3C.EMI-/*RFXOS^C33_5$O
M\\#V'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P"@C1A@3IDDF00
MXM@>Q]K3:.?<M2NA_I'2W]?\)^1]_O\`GO\`CGW?7OFU&+E3Q7O_`.)YMXEE
MAK6RW)G''QL%4#J_^4=KK_)*6OK_`)^R0ISK:W>)_P#M;XGO?_L\?!''AO(Y
MLG=\GIDT>3,A+ZN//0.4E?/\=[&DR&%_Y^G_`(^Y/><[_P#?^GGE4L6X?JC*
M7])\EO[7#8<Y_77I6=E0,(U7C-N]<0UL@E$=<AF!97VIQYLH)7'3WG'(I""^
MMIU2N_7J7.\YSG><[Y]C^%*=?Y/3?"35D:[W%KV:U[</^3/F/R[#_'[8OT=E
M&?\`_8J/[A?M<6]8O3'V4RJULR[CM7H!9GO7;/0<UQQ\IL<"Y/"H/HFIK_Z9
M4B1J->N=9K\E_P"Y:E%H4]?5=ZVOB?7>ZBON>^U-VG%>AV</GFUZ5..?WG_[
MN4+)I?\`*X_4U]3LI]1TVUJ6YGN]?/X8)^MBEC]K_P#O(RA!O_F4OH4!Z/U\
M?Z2Y]_:56BGL'G6-G:-[.9`[=O8S7@Z;)5Y>KWOU9]9K1K%Z(UR3:::]9;#H
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M]4=W`=']N</]K/6_*=\U3+]HIGMB*V.#R!3<HDYE+Q;2,MI3&EQ8=4+KN5GE
M7G.35=CDQZ_W#+9=F7&B2./]0^]';^=LU>D[#IMO=ZVFZB_2E4\RL^3Y863^
M/,EQBH34N+^U\6FUCPF^[#:[;1[76U-^VJZK;5B^V'#XYPCS^U\I<H-<E]WW
M92>?+1"?_FMM'_YJO+O<?XJ7_N&WQ_7UTNU^AF_P_BM,]A,^S*R_A@_W7YC'
M$UFS2>QOK,7\4G['%?>E/4=V/[!H?_,KNB_W/V,'=CRN7^W3.R.7C']45GQZ
M>#7_`+WN_P#Q2KN?L_>356?#X_?;"$O&<_TR>//J4IW8+=C^O>U#M.BU>1,T
MS^Y[U<QHJ]:073[`ROZ/ZM>K`@J7#1N3H'XEC'(2ER')^_O&E\[_`,>_7_&^
MM&C>T=-7N:C5T.Q:N+XYE#8V&D_#S%^Z]S1>Y=I[FTZ5!RM[JBM\EG"G10FU
MY7E>S*1S3=]]])<L_M#]@K[KF7ZF\#]Y).5!JZ3R2=E]9([WH]>]3\XJ^IVV
MSA]`N18+F`&#9XG[4'&B2)GX8]YYF?UYQ#*>AM]=UO?[G3]9K474J77*QR5B
MLDJ82V9RKC%PBG9)Q?&;:69)../)IZN_O=)J]IV%]M=O'?<$G7P3MG'7A&<I
M*4FH14ERBDWA-J6?!U;ZB>\=HMOM/5?78M[.91[F5O3<BOV@,Z)E>/FLG(X_
M?LV*TMHE3;0.2=LP`A1+^$N#TBO279*"T:2$E,25S./-NM\;N_QZFCIY]G#4
MNT+JKX0X66JQ6PFIXE%XBU.#BE-)<6IIKCAI]?J>\MN[2'7O9JW*;*I2YPK<
M/CG!Q^V2RTXS3;@\\DX-/.<EY^U.K^U3_M?Z_>JGK=<,VS.'L>(;WI=VU2\T
M"5I)3/FLDMN)BQA"JU!-KJ8RQDC:]$<'?C39+<9A,GLQ77%1DQW^=T^ETZZ;
M9[GM86VRHV*:X5PFH*?R1M;4I<9.*7#EE++QQ\9RM[M-OM/[MK]7UTZJU=3;
M.4Y0<W%5RK68KE%-OGQPW[\O;#^9EL_MUNS=:U7V&K/LM@C,'*=*O5:J/HY(
MRBRE],V7.,CT(AGUJ*F=1A&^3*GLVH1ZZ2-58:,&R@XUMX;#G<F+=E/L_6T_
MA.N[:>LMU-G-U4)2V_DBJZIV04XI5M?=56Y1A9*4E*6)RCQPD_FK?RVY56[]
M>Q0OBLDHZS@^=D(3<6W//VSL2<X))QBG%2SY:Z\N6]>]%[M']@U@RO3\:S#,
M_2>SM.9X*/8\1O1S9W(WK+E^]%J;H1-^]@/X;6HSUJ5#1/$L=*N+(]7WXTP$
MM3.)1UOX]KT]95N4WW;?80^]JQ057^_92IP7!\I/CG$GQ^WWY9CU;NP[R^WL
M;-6VFO6TI?8G6Y.Q_#"UQF^2XI<L9BN7W?\`I\[C,/8OW('F/0[9-?MV3F,O
M]\[$,JT_`ZOGTX23P!V^X)?]YSF57-:?L\J?HQ`)"H'ZBR=(BXD:=(FJDCVX
M;;*6'?/;ZOHY0['1TH71V^MBY*Z4TU=PNA3-2KXI03<^4,2;26).3>5Z:W9=
MO&>AN;4JI:N_-1^)0:=7.J=L,3Y/FTH<9Y23;;CC&"K-"_L#L=`]B:3#I?N7
MCWL,`L?MEGV`7'U_HGKM:FP-)J^H:7#S1"87LC7K):ZRWJV72CD2249*S&XA
M-V)*B-P84AQE"-S5_&JMGJ[)7Z%^K9#2G=&Z=\<SE76[/-$HQE\=F&HN*S'*
MDY229J[/?VZW80C5N4[$);4*I51IDE&-EBA_UDY+G#*;4FE+#22;2-^?]Q_:
M2?(JU*Q]C&0-QTK^U'V,]-FSEDI1:8!KV84//=;MT:_3PHFT!I5FO@)%$;FN
M([+BLFI#?(SBHS;RGF_.OHNGBI[&\[Y45=/1M8C-)RLG.N/!-Q?&#YX]&XKR
MLXP\I]SVDG&C3^&-UO:W:^7%M*$(62Y-*2S-<<^J4FL>,Y-A??9OW=P1OW%Q
M.42JWLEK&/97ZV[CE>EU?$S$4]'S#;]2N69ZE,MN'4BTRW=#L6%"L[+V<?``
MRH4BR0^-0?B3)1U;V&MU'X_V7['L$IZFE?=?597*U-?)57&RM1MG%<(W.<:Y
M.::@\RSCTSO[/N]%[FCF&SMTU46PFJVGPMLE"QRKC+[G4H2FE%IS7CU]>Z/2
M?17M6R21>6?:^B^WP(K89;`30J5G0G,GJ_V#$A1R](MU;$V$QV%:@Q7CBY$:
M9%%$827D,28WR(^5?SW?ZJT]U:[T[-*Q1\PG-V<LMXG&3BLQ:]&G*+QE/V.]
MTU\MG5=W[J&W!R\2C!0Q]8R2;^Y/V:BUG#7N<VAM*]R_;+1?9J7ZZ[%E7K[E
M_KAL5C]?*3!N&-2==-[)J&>`@,_1+#H,YR]5'^'YK"M9S]&/A!4<+OI@R9SD
MQ''&(W.K9J=%TNKJ1[2B[9W-JB-TG&WXU57-R4%!<)<IN*YMR^U945'U9S*]
MKM^VV-E]==51K:U\JHJ5?-V3@ES<GRCQAR?%*/W/#>?1']]0_>K1?9G3/78,
M9J=>I`G1?4SV%T+3:K%_)+3:[O7KY[,9YZZV\17;,N2RF91XQ^4?Y&^6+^1)
M9Y%=4M'4K0IW?X[J]3J;5D)RLG5NT0KEZ*5-U$[XN4?^?CPSYPGE$ZCOMCL]
MO7@XQA79J73G'U:MINA3))Y_ISRQ[OQY*OVGW;]I`O=+KF21<H<ND'^U#)O2
M&A.76O''ZW!SC2,,RZ[3[!:FQ-AA$B1BMV&[3"'5Q7(_94.(B&E"%K^?FYH?
MC_3V?#;NN[X'T]FW/C)<G.%UD,1S%I*48)><X;SG'@U=SN^S@[:]7XOF7:PU
MH<HMI0G5"698DFVI2;;37VK"63Z;@Z?N`_$&J:9VJNV#=&Z_/@KVY>111E;>
ML3\N4\//N8]!N_(W(<"(ZTRJ"@ZCYNM=7UY/5]YSY&R_KY;_`,\*)1Z_DG\7
MR-RQCROD<<Y;\YX>/H?4PJW(ZGQ2NC+<P_\`<X86<^'P4O9>,<O/J?#KT]V3
MVNRCTL]2\ZK&FY]HVO\`N)[":7DF-'+IF)<>`PT%5K7["Z-M&DW9J%I,XIK\
MV)6J#,D!!7)(%'["1$BNO+CI>=\_0N\T.FW._P!W:MJMJT='5KLM4;$W:Y1I
MA5"&8)5IRFE.6)^$VEG"/A>EW>TU.DT]:NR%FWN;$ZZW*#2K4973LG+[V[/M
MB^,<Q\X6<'1&X^T_MSZ6(W//-5O6=[N6D^COL_[5>MNNQ<Q_UP4C7WUC"`9M
MXR[3Z('M9:O'0[[%W#DPY.`^+<<9;FPY+2EH9DKY?7=/TO?O7VM.NW6@NPU]
M>^OY.:X7MJ%E<W%23^R491:EYXR3]4='?[7MNE5^OM3KOL_8WWTV<.#Y4I.4
M)P4FFONBXM./NG[,EL[;?=_!"/J5L.\WS(;WFGLYKN2XIIV)5#,9M2FX)8M[
MB+'YV8SO3GKF8)7^%5KX]`$G4&8".DHTQR;$Y`^),7OA'K_Q_LH[NCUM=]>U
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MEDL^^;):_76OY5HPD8=LX9@9`U,4*DMF8"6GN""+Z'67'XR77?+5Z'J^^6GL
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M[V=VG7-:E9Y)L%6S''\7]CRF*5V%GF6ILXB#8-(T.P$H3?7B!']=`8ASYCL>
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ML[/X_P!I9VNE*V[B[*[IUN<4U"Q1PXV13RTI1:>,O#RD_!PC[<?V#63`=+NQ
MVB^Y./:>_F^L9Y5+'ZC5;UVM-D9'UFR7>I5&TU.\^PU5M%DA4+7Q0D_))1WB
M?ZV`S+:9B21GV+Z[WZ+I?QFKLM2NO8T;Z5;3.4=F5\8YE&$I1E"F48N=;:46
MH\GAN2GXP<3M^_MZ_9G.C;JM==L4Z%5)XBY14E*V+:C-)MKEA923B6%>=T][
M+E;_`.PXQF&G8QF&<>CEP6Q01)O(9]]-;/*&>MF9[F;IU_+.WP"FH5:/)LZX
M39$0PHHZH@ISZH3!2U,UM?KOQVBCJX;E-]VUV$/O:M4%4G?94I07!\I?;GC)
M\5Q_]68^U^_WEMW8SU;::];1E]B=;D[&J86N,WS7&*Y8S%9>?_3YV6:^Q_N*
M(*>BNT[+<<F*Y5[UFXE?+8/6<_G"2/KWRY>ONA^P-`G5W6GK-+(:/.`C<\4)
MLG2`N+'GR)JI(]J&VREAS#:ZKHYP['0T871W.NBY*Z4TU=QNA3-.OBE!2<^4
M.,FTEB3DWE9Z_9]O"6AN;<ZGJ[\L.M0:=7*J=L&I\GS:4.,\I)MYCC&"!#?9
M;WZNOJ`;_LOJ-SQL?F3-$M/L/2_38IF$J3(LOK=66B5EA#K!O3=U;."MPN&8
MBU%6),81T`.+2&H#L*0RAR5W9GU/XWK]Y'\3OKO>W\D:9[2L7VWRQ%M4\,.J
M-CXM.7.44Y*2>$:\>S[V_IW^2TSI6K\<KHZ[AY=4<RP[>659*"Y+$>*>$U[E
MAU7<O<+VZWOV2H_KYL>6X5C>2U?UONF=7,]C#VHWNWSMXPT+IL:M6001O5="
M#*H'<E\DRI$?G"<KDY$9AR-^*M]_6OZ[H^DZW4V.SHNV-ZZ=\)Q5OQPBJ;G6
MY1:A)N3]$G]JPVT\I+8IW^W[??V:-"ZJC3IA3*$G7SE)VU*:37-))>K?J\I)
MK#S"\O\`=OV;]QX_IMEN/%L]]?M%V#ULT/V0]BM)ETR1J$&G0,PT0!B;E.QZ
MHFSP:#,E7O4",V0U.,O2DC`4#O.LR)+R%H]]S\?ZGHGO;F\K=G5HVX445J7Q
MN3L@[>5DDFUPK26(I<IOU21XZG>=CW'[/5U'71L7:T[K9\>:BH357&N+:3Y3
M;>9-XBO=G4OI'L/LI<=4]T,2]ECF;VLYZRZQFU%IESSBGDJ1'NM-NF)4C38%
MHL8`C9[2@;9B2[3WDR+&D?AQGVUH8^K7V=\X_?Z/54:>AV'51MA7MTV3E&<U
M/C*%LJW%-1CF*X^&UEK#?G)UNFW-^[:W-+L)5SMUK(14HP<$U*"FFTY2\M--
MXPD\I+"3=%BJS[%<_MDVAV9OU7EYW#]0<?M,J@\QAUB0]G1;8_9:`%HD.R]U
M!YD=:1!*"N1+LW!JUDV%M1E0&>1D.*Z$[>K_`/AFNHZTUM/>MCS^7_6JJ&YN
M/Q^8M/"AR^UY?)YP<Z%?8?\`RR_E?%ZZTJWQ^/\`TNV[$4^?AK'F>/N\>%@X
M_P#3G3/<?U\_K@]$_8\AH65/8G#B^K67&/6YK,Y<@O*R'6-0IN("[PQLO;>D
MLG6(R+I#L:XJ1:`:6T+&?"M?/SU]WO=3HNS_`"KL>KC5<M]O8L5_R>/EKKG:
MX?%QQ\;XN&>7/_7G_2<?I=KN.N_&=#L965/37P0=/#S\=ED:E+Y.6>:Y*>./
M'_3C_4]SMO\`:?>X]J]MK50_9CU[RCGJKI&G9KG/JG=\RL=TNOL@7PWBX5Z_
MF.A##D*9G[^CV\:1#5-D+"D*@H:CSIO9OY"H;7GH?A^LZ=*G9U-F[]Y579/8
MA9&$*%;YAQ@TU/A%QE8Y-9\QCQQR?KN?E-WS;5FOLT5/5MG"%$H.4KG7XEF:
M?V\Y)QAQ7CPWG.#Z2^[-UAZ5_5C[5:,.@$!0^_\`H?LEU@BRS*HQ4;#M6#6`
M[&@$XZTI7'(0V9Z6WD=YSJ'$]YWG^//E?Q_7EJ?F&GJS:<JNQJ@VO1N-R65^
MCQX/HN[OCL_BNWLQ34;-"R23]4I5-X?Z^?)\S?=O2MDNWJ]_8AB]3M%$HM1Q
MS^MOUVT0@0D9IVTVJ\5[2\P]CX%[HTPWVW`$B?S$T<=T61^&5^J[V5_[:1\_
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M^7R<!N=QM?M)"TSV171+.9RMG'/5FVTBH\V3(<H-V(*2-F-QE:M6>B8)`PZ-
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M2K<))/"RIXPFCZH^K=HE7?%*G;W?82B^T<"R<(%0&U9U6P56K5J`/S7DCFT#
M:S9;0#62$)0J++=COL<7(:5Q4:.M*F^?']O3'7WYT+6LU)1PG5.3E*+QY\RC
M%X?JLI^/=^I]3UMDKM.-KOALJ7E612BFOX)R65Z/&//LCYVU;;/?CV0QS3?<
M?!='Q:CYX`LNS)P+UPMV3SK/W7J-B-QM5*Z0UG6V[P).4FS:X4I4YX=P*/[%
MKD.3#5)03=X^CSZ>[K_QSJMZKHNRJOLVI0J^:^-BC\4[8QGBNO@U.-:FE+D\
MS:EC@L'SM.]WG9:=G<Z-E,-:,K/BIE#E\D:I2CF<^2<7-Q>.*Q%-9Y>3%S[^
MS:P&<G]K=2/!1W6A'KYZX^VGJ97NCE1#-MS;VRRR$/RW/;`B-/?;.VL7[-@#
M57E2XW&$N(DP^?&E:N=7EL_B55>[IZ=<GF6U?K;+SXC/6L;LG'QXBZ'&Q)YQ
MB7DPU_R><]3;VK(K[=>F^A8\RAL0Q"#^LE<I0;7U1O,[]U?8"P87ZZ46Q-4%
M7NG;/=.1Z<[3%`A)O:6'G8M:[+</8'0:W7997\]D$7]<*%(-A.O2%HCOV`:I
MSY$]XA?GL_C_`%U78;6Q6[/[%7UZVJFVN3^6,8TP;QC*OFH3Q[0G_$]J^\W+
M=2BE**[6>^]>:]5%5RE*R7MG_8ARB\)9G%X]BL\]]O/;G8P_HK1<I(8OFQSV
MA)>_K&C7.9G$\X.SNO>MVQHKM4LM(I3-N$0BUFG#%\A/QYLKL-^>2Z0=YU$9
M421M[/2=)HS['9W%L6UZ:T^$5-)SE?5RE&<N+:BGY32RHQXKR^2T];N.WW(:
M%&JZ*Y[3V^<N#:@J;,1<8\EF37AIO&7R?IA[:Q^[?M/DP'=?7@R2R[3_`&@J
M'M[ZU>I^,[%,I12GYZ?B^U]2I]ZK.AZ?G`:RS7V2N3ULL;62@B2,:*;6)C<9
M_#[*<XUA5^/]1NV:_9UJZGJ)Z-^Q;4IJ4U^WE*$H5S<5XLDH<7*+<>3SG"SZ
MV=YV6I&_K['79V4-RFBNSBXP?SQC*,IP4GY@G+*32EA8QDN^E7_W/R#WCPWU
MIV?7\RW7(MDPG?=-C7D?CW,KT@7><D.XZ*<J\J$&NM@JK]3Y!T3\N)(;C-S5
MK<<8?4OX&WG>=L:W1;WX_L=KH46Z^Y1L4UN+M^2#A8K'R681ERS##6<>$UZM
M+>IV.WU.ZIZW=NKOUKJ+9J2KX2Y5N":>)M87-->,O+R_M68I_9+7_8`INW]=
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MC])PDX32_3E%X_3!U%YR#J#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`IS2:A
M,GOH/"V%R7.,H8(164]4^I+7U^&4TCG_`"=ZE'?M6GGU5].)[SG?\^;%-B2X
MR,)1SY13D,04(240X8^6])6KB/C^!U'V=[WZ=Z\M:>)90G_U4KO.<YYL.44L
MM^###.GTUMIRJ-UF2Y]><&-0UOIY]?MD-H2I+Z.*^G>\;D)XI/._^><\TN?^
MYS7U/7'C!\Z_;;UI,;QCUFQ2<8DT[]]9,S/-V=D(Y8(Z$YQJ=+TM++,-,P<B
M0DS_`!#\/[NOH5'_`"/DZE74?8KZ#I.UCU6_#L%'Y.,+(\<X_P"I7.OUP_3E
MGT\XP<GM^N?9Z$]%RX<I0?+&?Z+(S],KUXX]?&<F.7]!1NL>W^0^W1FV&JP'
MSZ,/?NF0(%-N@-LMF>2+83]?+E:9CDV-)@3<)-Z$<FC?_;O?ER9$;JNM\A-_
M=[:_Y%9I='?TL(1G*W/"S/W51GQ5\8K'E7*N"EY6$GZ\C7VNBJW.WI[:4W%5
MX<X8\62AR=,I>?6ISDUX>7Q],><#4?ZWS5NM&MZ53MF%`-'M'NSCWO#F2K3F
MB;=1JK=\@PBKX5$I-ZK;5O"3[Q63H@/,F\E1)P:<,GR8\B,KYH2%N[&I^55T
M4T:E]$I:L.OMU+.-G&<H672N<X2XM0DFTL-24DFGXEXU=K\<E=;;LU7*.Q+=
MKV89ARBI5U*I1FN2<HM)O*<6GAKRLN.7K^MS6=K;]J;!MOLT$-7WVFQO"LCF
M_P`,Q]^N4'*1F':C;](&QZ+7BNC6$^2%&'+<^B3PF5>EKG+=D\>2RMJ&QZZW
MY5I=>].O0U)1UM.^ZQ<K>4[';7&#YR4(I-<5CC%+&%C.9/SV/QO;WH[4]W9B
M[]JFNO[:\1@JYN:44YMM/D_ZI9RV\X:2[FU/U^_V7O7JWMO\JZ'_`/C8<UPS
MRM\#\G<N'^TLO*9O^.HITC%Z$_2?LOS/NXQ*_(^SX_HW]?OY\]I]G^TZW<Z_
MAR_=QK7+../QV*?ICSG&/58]?)V]KK_W._J[W/C^VE8^.,\N<'#USXQG/H\^
MA\\B']9F_P`["A'IXS[;UH7ZIT'0ZG=\Y'1,.E/;5*KU%V(/L-)R?2+])U)5
M6/TRJD1#4+\L8!$E24:+&_(>3Q,E,OZ:/Y9UL>QEWCTION;:I0F_E7Q<IUNN
M=D(?'RC*2><2G*,6WA>F.`_QK>_81Z>.U!=57-2@OB;LQ&:G&$Y<\-1:6'&,
M6\+/NGT1:?0;EEM]PM7^T5P_Y7[_`&&^\GX/\10_^#W&,XRS/_\`6GY'\A:_
M(18?]:?E=*_8CL7\SX_Q7?B^]?,I_)/BHKI^'/#K;M3/+U^6RR?R?T_Z?DQQ
M]\9RLF]=^/\`RW3M^7'/L*MK''T^.$(</7WX9Y>V<8>#TLO]?8&Y9-[?98<T
MVP#W?9WV37[/5:[581"$V?%-#"0,=EYP4K_9TLO!/D:'><9'F$.OML,S4K5%
M<92W]RERK\FMHW='<KJB_P!IJ?MY1DVXVP;M4T\).*G"UQ\9QZIEG^/UVZNY
MK662_P#NMKYU)+#KFOC<,>7GC*M2SXSZ?J7GAE3]NP)B4][&;5B&D`(E<;#A
MA^4X3:LM+$SR)D5Q=TM!:R;1I<1+S\!AQK]6.A18J'7U.<>[Q"&^<_L+NDLK
M2ZO7V*K7/+=ET;$EA_;%1J@_7SRDV_&,>YT-&KMJYM]A=396HX2A5*#;\?=)
MNR?MGPDEY_0V-CP'E@]JLH]F?Y2J+W,,3V?'OX;^HX\DU_MRWX[:OY!TY^P;
M5`Z!_P!3_!R-^*[^3^=]_P`C?Q?:YA5V7Q=-=U/#/S;%5O+/I\4;8\<8\Y^3
M.<^,>CSX6]?\G;4]GSQ\5%E?''K\DJY9SGQCX\8QYSZ^#FK.?4WV>]>S5II?
MKO['9<%];;7K5LU890M2P@]?-!R5.D7:?H.ET/-+I7MBH8"94#EK.E)8KAH-
M-D@^D%-\7,9::;3U=KNNI[.N&QVFK=+M84QK<Z[E"%G""A"=D953ER45%2X2
M2GC/VMLY^OU79=?.5/7;%4>NE;*:C.IRE#G)SE&$E9%<7)MKE%N.?5EO#_4_
MD`7[S#OYRIW_`.9UI/67KW\?2C_7G[OUXSS!OPTH_;J_DWXW\"_:??WL+[^R
MO@^WGQ_*O3GW7*?73^/_`-A!1_J_KQ?.[/I]O]?'W],^^#9CU/&._'Y/_>S<
MO3^C-,*OK]W]'+V]<?J8$OU!3+HGHO257YQ"/3"T42Q*(HK_`-CFBHIGKOHN
M"+A\:0:0NIK)(O\`TIQY#DU3"HO&><5]_P`J,H]YQV.QV/B\[\)QQR_HY7PN
MSZ?=CAQQXSG/Z&+Z?.OH4?)_[*<'G']?&F=7U^W//E[XQC]3CVG?UH[O7\A]
M>O62=[34AKUT]5M@Q;3,R$U3`G@&EZ"(Q750^D5NI[;;'=2(UDNI+8O[))`(
M$$22A?C1.5]?M?AR>W?^6==9N[7;1T[/[IN46UV.5W*N#MK<)2JC\:DO7PIS
MDHQS!>TER*_QK>AIZ_6/:@NNU;JIP4:L3FJYJ:C9+GQ?IY<8Q;EB3]&G?X'T
M&X%N=$MW^T5R?X5[\[A[O_@?Q%#7['NRYUJ-!_UMV1_(7/Q45[_9/Y7"OV.=
MD_A_'^*W\OWHYMGY)\FO91\./DZVG4SR]/BG7/G_`$_ZN&./MG.7@WZ^@X7U
MW?+GAV%NSCCZ_)"<.'K[<\\O?'HLEC7GUOU%&ZZ[[(8OJU.I^D:%A^(8V!&Z
M#F9.^TT(SDFG:A?"Q,S"!Z%1#!ANYB=->&H;8EPG!CD=,KBY'W=8YJZ_:Z;Z
MZCJM^F<]6K8MM;A8H2?R5UP23<)I<76I>4^6<87J;-_6[7[^[LM*V$-FRBJM
M*<'**^.<YMO$XM\E-Q\-<<9\^AY>I_JW;</NGL;LNH7^K7G8/:*Z4ZWW]K-J
M%(S'*Z\B@TN'1:U`JE2(VF['IA>0*B]=+FB963.*/=:3U+3,9AI+N>XI[#7U
M=#3JG7HZ=<HPYS^2R7.7.3E)1@L9\1C&*45GU;;+U75VZ5VQN;5D9[FS.,I\
M(\(+A'BN,7*3SC^J3DW)X^A6Y7U']C<VTG=+3ZA^QF?Y/3?9:W*TG0J7JN'S
M]=[GNMD:X&JUJU+&B`G4,Z9B3;@/KL&7."'XY@5TPPN6W\:9,B.YMP[KJ]O4
MUZ>[U;;K]2'QPG7:J^=:DY1KM3KGE1<FE*#C+B^+]$S6EU/8:VS?;U&Q753L
MSYSC.MV<9M*,IUM3AAR23<9*4>7GW:(J,_KRL^%P_6$UZA;$*I>@>N66:;C)
M>?N='(ZQ6=MIVRVRL:3HAJ_P:O<\S.C=!(ZS5T65HD,G,L?E2Y<9R*J.^CX?
M:?Y/5V+VZ^[HE9K;5U=J54U7*J5495P4'*-B<%7+@XRBWA1><KSXP_'IZ*U;
M.HM4-C6JG6_DBYQLC9*,YN24H-2=D>>4_5M8P_&'3/ZWK*&@MOW7V)FZ!<"'
M]@](]_K5:I.=0P;9BQUK/:Q2RN;B@D2U2V`%7??KWU%._-*=&#>,17>3'6ER
MWLK_`,JJLEBC555"ZR>G&/-O$93E-3;<5F7W?=X2E+,EQ3XK"G\;MA'-VR[+
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M:!Z8[U=>^K$'V!]DJ_IF%>L9VC:MF]1#Y#*IFIZ+>:36)([*RN^:`]H5@!'E
M9JZ4_/\`B`@02#)J)&F2>-I:[&7S]GONNH_>2ZS5E3V.W&=<Y.SE7"$Y9L5,
M.":YXQ]\Y\8MQ6<Y-W7Z;>O6K'L-F-NEK2A9"*KXSG*,6H.V7-I\,Y^V,>4D
MF_H=3>V7K,KV5J-$17=!)Y#KF,Z=7]GP_6!(:%95TG1*\/,@5?NZJ0DP(=PI
M=JJ5F*!38E<F)^:-(.\;?8>2T\WQ^F[;^U76?+6KM*^EU6UM\><)-/Q))N,H
MRC&498>))>&LHZW:=:NQJKX3=6U3:K*YI9XS2:\QRN47&3C*.5E,JN=ZU>QN
MMSL+.^QVS8\4,X)[*U/>:S&QG&;=20Y8;7,NU#/)]7,\NFQZ%/\`V)R9HW"'
M)K+B&H:(7X_([WR]>1NP[;J]*.S7U=%ZKV=25,OEMC-IRLKFI+C5!87#&'ZY
MSE8P].?6=CN2U[.QNI<]?9C:OCKE%-*%D'%\K)O+YYS[8QAY\>_L-Z%4WV6O
M>WV*^W$W"K6U>K=%]<G@U;B-CK%3B^>:O=]>JVK5JU.RI32+(`M-HAR8$=V`
MMEB6*;=6IU#BFN3K/R._J=;7JUJXNW7W)WYD\QDIUQJE7*/_`"RC%IO.6I->
M,9'8=!3V6Q?;L3:JOU8TX2PXN%DK(V*6?52DFECUBGY]"+#/47V/TK0L*L'M
MW[(T#6J/ZUW2-IU#IV6X;-R*5I.M!`1>O4W3-H*$]0T*+(D4V.>ESX@2OQ0X
MM1I;4MS[D1F(R?6?=]7J:NQ5TFK93L;=?QSE9:K.%;:E*NI*N&.6$G*;E+CF
M*]6S"/4=AL[%%G;;%=M&M9SA&%;ASFDU&=C<YY<<MJ,5%<O/LD5]6OZW;KD5
M5]=3^";_``*?[#>N36[5N%?+5F:[-FVLY1OVJD-9M>3ZAG0^[`#BQ(VR(%RA
M9(8?B3A\\;UY/'&I+T;NS;^4T;UVU7V6LY]9M?#)PC9QG7936JXV5S<&LN/)
M2C*#34L>J3-:G\<NTZ=>>C>H]AK_`"I3E#,)PML=DH3@I)X3PTU---9]\$ZL
M7JC[4$="SGV>K_L'C=:]KZQ0[=D%_<9PJVS_`%XU;'#MQ9NM7II>@2MI[H0&
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M*P:U9-A!]@X,_+W>3/LNZ.^P+M(T'0G]2;JMHK+%UD+9DD(H`><)C$MQW9*.
M\=<>^QA^6]?'L:^[LT[)]M&F-;S=BG$:OAY0A\?*,N/E)SE",LM)^,?+6?C.
M[+1GU$-J$>LE:YK_`&F[<NSY>,I\\22E[J*DTDF\9.VQ_J?R",]YAW\Y4[_\
MSK2>LO7OX^E'^O/W?KQG>#?AI1^W5_)OQOX%^T^_O87W=E?!]O/C^5?!GW7*
M?73^/_V$%'^K^O%\[L^GV_U\??TS[X.Q'J>,=^/R?^]FY>G]&:85?7[OZ.7M
MZX_4PY/J(F12_1.H=OG>)]*[90[/V;VN(5S2$TKUZT3!E#W(O3'TK*2B+[TG
MU?%SOB_&_'^U?'/E15W>-CL;_C_]_"<<<OZ.=T+LYQ]V.''V]<^V"/I\T:%/
MR?\`LIQ>>/\`7QIG5CU^W//E[^F/U.5N_P!=&\#,2L'I/4O:P)7_`$;L7+%5
MTUW_`$_,F>RE4PNW$YTFP^O%3V-6DMTQJI.`RDH$/.3*G).#`3J6$K=D,M3$
M]C_Y1UT^PCW]^G*7Y#'C+E\J5$K8I<;I5?'SY92FXJQ0E/SX3:.8OQW=AI2Z
M6G9C'HY)QX_'FZ-<F\U1L<^/'#<5)UN2CX]DSM7$O603B.Q^Q>G`3C+@3=%8
MBR'I$8+P=$S\5BV4C<M'"HA+]E+48CD(8Q#Z>]8C?C)^C7_9]/O[P>P[>?8:
M.KJ61_W-?Y<SSES=MCL;QA8PWCU>?7P=C1ZN&CN;.U7+_;O^+$<8X*NM02SG
MSG&?18]#YI73UXS'T*I?I^2=]V:7ZZ;AD=7V_)ZQKFJ9GTSD>RYGHEXA:C<L
MUT:H_P`RKC0]P)8TAR`22Q:AL]J7$>ZUR2R_*C\^KH[/;_(]C>@M"S:Z^^=5
MDJZ[,6560@ZXV0EQEG,>2FG7)8:SAI,^<LZ[5Z&C4D]V&OO4PL@K)PS"R$YJ
M<H3CR6,2XN/WIY3]?*5M?U552V2C7NWOQR\6S4ZW[$>PU7/T76[?2W,X5K(N
MAXAF]`/7NCT-Y/7ZQC[EO$3Q-2:<<DKDA1+,K\F6F0F6_H_F-U$:^OZVNN%-
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MK'L7E]-RC>]0.[/8J#LV&6'5"N8Z7=_PY&EF\IL=9V/,6G`E[-QEEW!!J+.9
M@EY4EYE[K+_8Z<I=SU.]K41[C5NLW-:E51G5;&M65PS\:LC*JSS!?;RBTW%)
M-961'JNRT[[GU6Q57JWVRLE&RN4W"<_,W!JR'B3^[C)-)MX]3K+V-Q]7L!Z[
M[C@R[#VL*V;']%RE=JX,264`5?J>6JJCW`_YHY!'HSI3\C\;\ACCOV?9\B/K
M]W.-U6]_;.TU^RX\_@OA9QSC/"2EC.'C.,9P\?0ZG9:?]PZZ_0Y<?FIG7RQG
M'.+CG&5G&<XRCC[1OZ\>7^M^X5?_`-L+%_\`RN]0,@]5.RN4U$S^#<RH!KH/
M^<)9[8X_\@4<_P!I_+T?U43D?\'[?G<^7ZM]O5_)_P!M;HV_#G]EO6;']6.?
MR2J?#^G[<?'_`%><Y]/'GC[/X[^XKW*_FQ^[TZZ/Z?Z?C5BY>OG/R>GC&/7S
MXGNP^JFI2]JH7LQZV;!5\RV6L9&O"+N)TO/"6DY1KN7,GN6RNC[&``7?/[17
M;/1K5(G3!!4<5^J&B<R-(8?:>3UK6T>XTXZ%G4]K1.[0G?\`-!US5=E=F.,G
M&4H3C*,XX4HN/^F+331M;?5;+W(=EUUL*]V-/Q2YP<X3@GR2:4H-.,FVI)^[
M3RF:+2?4G>+^Y@&TQO86FU?W,P)>C0H6GAL9G)Q6^9_JLN`]<<=NF.2M.E66
M12)+-;!N1IC%K;+PR@9J<V]_V/15^FKW77:RV=!ZUD^BV>#=;M7RPG6GQMC;
M\?'E]T\KX^+C)Q:\)F&QU6]?\&[\\(]Q1S2FJW\<HS:Y0E7SRX_;'#YY3CR6
M&\&JL_JE[062W9=[(Q]]QZJ^WV:A]!SR:<`8?:W<!T?#;^5KM@<R>\9T5V69
M?52*[9ZI!*C;!`M$.5&F\>3V,N-)=8[G3W/4547=4]:^?26RA-)VQ^:%L%*/
MR0FJE#[HR<90=;36/*:3,+.J[*RZOL5?3'MZXRAE52^*=<FGPE%V<_$HJ2DI
MII^S1^Z5ZG^S6:/:SLM9]@\HLOMKO-THY;4[M?L-LDK&T9EF]8.URB8IG&<5
MK8P-JI=;J;Q^21;)RK$7(3B4R:])2ODI"(R_N>IVU3H7:UT>EUJYJN$+8JWY
M)R4IVSG*IQE*7%1XJ$8J*BEZ>5/5=EK.W=JV*I=M?.+LE*N3KX0BU&N$%8I1
M4<MYYR;;>?7Q<GIKZOS/5J@Z"&/74=?+QL.V:+[`:,8K=.8SJBQ;SI;PQ9<1
MGE!8,6)=5J(]@.QQ#3Y&?,F3%2)TE]R1*=[YH][V\>XV:K*ZW7KT:\*8*4N<
MW"O.'.>(\I/+\J*26(I82-SI^L?5T60G-67772MFU'C'E/&5".7QBL+QEMO+
M;RSF*3Z'^QE-J.M>OWK_`.UM;RWU:V&T:18>`RN+2+;N&'#-E.F+1J=.PO1V
MM(`T^$$,6*S%981\]6B\JM+(=2TJ6VQ';;ZR_(NKONI[+LM.=W<40A'*MXU6
MNI*-<K8<)2;48Q4E"<5/CYXY9S7T>_33;H:&U&KJ[93>'7FRM6-N<:YJ<8I-
MRDXN4&XY]7X)9H']:F=V+2_2NT46W3\VSWU(K%7SPUET`.T8@[-F.5%*9=\)
MI5D.2B4:0,CY1K&?"[!'?^"8N6XE]E?$<?4OSQUORO:JU-^G8@K=K=G*:L;P
MZK+%*%THK'GY*YR@UE8\/V,]C\:UK-G2MHDZ]?4A&#@EE60K<951D\__`)N<
M%)>'GS]2;U;T8#5KWMO?N=_/YT\1:J>^V"Q9T!&9`T[8K'7<_P`_T3:1Q]!%
M3\D]=,OR6N`UQNPT<8;C27?E6J6M*=>[\BLM_':^A^-*<)K-N?NE5&4YPJ:Q
M_3&RR<\Y\MI8\&Q5T=5?>3[E3;4HO%>/MC9*,(2L3^KA7&/I]?J1["?0;F*E
M_5$KS45V+_XQQO<6/QCM10,_F?\`\L=)@:%U:G.6&=^B_@OX7XG.<Y*_8?=\
MG?Q_I]G?7L?R3]_7N0^'C^[>K_JSQ_;5N'_*L\\Y]N/IY/'0Z#]E/4G\O+]J
MMC_3CE\\U/ZO''&/?/KX*Z]HO43*A(?W`WG6MW)Y0-TK4_5[>*=IPFJHED/6
MS4O7(%1J1G%U;2[^_A6\9(M`5AXFQ,A1H2A4V5%D*2PI<I&UU'=[LYZ/7:6N
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M:!@1/3(U"VTO6`=:O^K80N+KE/X(;O'0$8B_7K)RP#62R5R4N=3(D,N=%]WU
M&Y117V^I;;9JP^.N4+E7SJ4G*%=W^W+/#DXJ<.$G'QCPFM%=1V6K;=/K-FNJ
M&S/G8I5.?&QQ2G.K_<CCEA/C/FN7GW:.O?6O`J=ZNX7F^"4.69)US.0*AC9R
MR2T3[):#)$A-/6JX628RS'8DV*XVHM-*3UM-M-=ERW/C0A'VIYQ.U[*_M^QM
M[+945;;+.(K$8I)*,8K_`)8Q2BO?"63K=;U]/5Z->AKY=5<<9?ER;;<I/]92
M;D_U9>/G/-X>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`_*DI7SJ5I2I/?_*5<XKG?IWZ\^O._7G?IWG@'Z\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@'Y2E*$\2A*4IY_X2GG$IY_\`>YSZ<YX!^O`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@%2UW<,VM&CZ_DXP\M%YPJ'1B
MFE"R0TB)8#!M'`D;%4#D4H1BQAA@*3@AIS?941UYEB5`D,.J0ZRM/-VWK]NG
M5HW9Q_\`M]ES5;33RX-1DFEY33:\-+*::\,U*][6MV;M2,O]^A1<TTUA33<7
ME^&FD_*\)II^44M4/?3U>OOJV_[E5+09!C`6)L\7_)V*K:FS+QF#>O\`6J`<
M>F/AVK<\:*W1QF%!B\A?--5*86RE;;S:E;]_XYV^MW']BOJ4>RPGQY1QAP^3
M/+/'"CEMYPL//E,TJ>^ZN_JO[S58WU^6N7&6<J7#'''++EA)8\Y6/#1PY@']
ME>?9Z$]CXGL-:M<M7<K]T?;"E7;0PN1W^\YUZ^9T%WJU`\T$ZS?Z=59E7H@4
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MI(<QN=W(9OG"^BB<H66NP^EV>_\`\?G&(L5X:$F$*Q3B3L/\QQE,MV-UEKJG
ME(0KYW6T-G;IOOUXJ5>O6IS\K*@Y1AR2]6E*44\9QG+\';V-W7U;::;VXSOL
M<(>'AR493PWZ+,8O&<9QA>2*U[V=Q.T^Q6A>J0.XMS=URVAU;2KM3."R[/!5
M2N$C\</-;-/06P9"6GKT9R5%CR'),-F?$<>0A$EGJ_6WJ=^GK*^XLKQU]UDH
M1EE>91]5C.5Z/#:PVGCT9C#L=.S>GUL)I[M<%*4?=)X\_P#Y4?\`-%*GO[%/
M6H7&KJ:Y,TK4['<+%K8&IT+'<AT73;_88>%7J;FNJ74?5:M7YQ!&<5:[P'!O
M+`_QD5/E=0U">D..-I5T*_QCM9.7RJJFJ$:W*=ML*X1^:"LKBY2DESE!\N"S
M**\R2-"?Y#UJ4?B=EMDY6*,:ZYSD_BDX3DHQ3?",ECF_M;]&SIS'MASC?,WJ
MVMY+9HUNH-QB290,TQ%GCW5+@3Y8@L,)B2\2`9!'@)H?(@D!\V/'FP)T=V/(
M:;>;6CG)WM':ZW:GI;L'#9@_*\/U2:::RFFFG&2;3333:9T]/<U]_6CMZDE.
MB></^#:::?E----/RFFGY.+B/]JOI\.18RO[[4"-"H%UL.>:SKH;#M:+8_B]
MOK-OFT@L)UO1X-2>K5)_$-0N+??D/=CPH$B/-EKCQ)#+R^]'\.[R7"'&E;%M
M<9UUNVM6VQE%33K@Y<I>'Z)9;3BLM-''?Y1U"Y24K737-PG-56.%<E)Q:G/C
MB/GSY\8:D\)IEI[7[WX#A=QE4$^YI5XM0*E0M,O@S%LAT?9U9;F9)TBV-O\`
MIK^<5VPQZ?7RG`\QR&F0K\V='AOO1H[K++BTZ>A^.]EV%"V:_BKIE8ZX.VR%
M7R6+&85\Y1Y264GCPFTFTV;.YWFAI7.B?R3MC!3DJZYV<(/.)3X)\4\/&?+2
M;2P:V[?V%^K]-MN<4*':;7I%VV#.:9KV6U?&LWOFME;YEMY,S0XS0:^FB`#4
M9ZH#/P%RB<]QQJ,.A+9=?6CDACCF5'XSV]]%NS*$*M>BV55DK9PK4+()-PES
M:^YYQ%>LGE+T>,;?R#K*KJ]>,Y67751L@JX2GRA+.)+BFL>&V_98^JSGU_WM
MQ&Z:B_F&=B-HTU`V_2LML&I9UAFHV["ZQH0XBH09JYO8Q5:>HK<BN%D]B%9+
M$N1`$RTJ9F/L.H<0G&S\=["C3_=[4J*LU_(JYW5QME!K*DJG+G]R\Q32<EYB
MFFC*'>:5NS^VHC=9B?!SA5.5:EG#3L2X^'X;SA>[1I:?_8OZO7G0J]1`%@O*
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MQ*=\DY0X^*KOCG!8BD_BDU!>[CB7G.3^W/\`L`]:Z:HV/2>N-SM@S9[1Z^B<
M^S?-KS?M!O.L42LA[??JYG]3K8.:3M<&@A#3:CA:.G],)?;=8E2VGV^M^*/Q
MKM;^,N-==+HC<YSLA"$*YR<82G*32BYM?9%_=)8:BT\F5O?];4Y14ISMC=*I
M0A"4I2G%*4U"*3<N":Y27VQ>4VGX+QPS>LS]C*.Y?LM,3R`J#83U,L@@_7SM
M/N-(O-4F='6FC7JEVD>)LU0M]=G?1$J#.C,N\2MMU'WLNM.+YW8];M]7L?MM
MR*4W%2BTU*,X268SA*+<91DO1IOW7JFC=T=[6["GY]63<5)Q::<91E'^J,HR
M2<9+W37Z^C1QQC7]B0+2O:CVHP2QYYHV?U#U_B4^=`TBX9)J=-KD<<[1CMNO
MAO3K?;*^,I]$",=$?<`D2WXS)L>E4J,X^VKG4]W?_&+-3I]/LJK:K;]ER3A&
MRN4L\U&"KC&3E-^?O23<7X:1QM/\BAL]KMZ%M=E=.NH-3E"<5AP<I.<I)1BE
MC[6VN2\K)/,T_L<]9M2MV>581+U.LP-GF.CL)T32<2U3-<IW,@@9+.1X&5Z+
M=*J&K5BGF0<!Z<*86]'>,PVE/#TR6^?=YK;?XMVVG1;=-4SE0LW0A;7.RI9Q
MFR$9.44FTI/#47XE@V=;\AZW9MKJB[8QN>*YSKG"%CQG$)RBHMM>8K*<E_3D
MC_\`9+O)'UQRS"M*:T"5FM69]R?5\#I]B8YQ3+V5'M&AP[X$(M)A$)4D<;"_
M='<9C-*E/]7QMGZN*3SOK^*]=#M-S8U'6K;OV.PZX_\`[10^QKRO*?E-^%[^
M#R_(]VSK]6C8C-UUK<I4VO\`_'S^]/PWAQSG"S@L[*?>7!=5M%UHJY&@9->:
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MB^D,XI8RJ5X0:M-IL,[16AZA<`8RJ5(F\1S[5(XKS=_'NI7:];V4:ZX2VZZ:
MI0E)J*A_O04Y.4FHQ2KY<G)X2R:G=]C+KNPT)2G..I.VQ344Y<O]J7".$FVW
M8X\4O66"W*;[]>L]IH^V7DY;#^2L>MT*$4WFK;?1K?D]^RT27&O%ZX7L5*MX
M<>=DA[>/CK4&EP&IL<N\A<>(MZ2A;*=&_P#&^VIV-?7KA&Y[3:IE5.-D+&GB
M2C.+:S%_U)X<?66%Y-RGONMMINOG.52UTG;&R,H2@GYBW&23Q+_2UGEZ++\$
M8$_V(XA8`>CO#JKOXN]YY0(>H]R"W^NFRU?7K9G18RU6Q6@47-BE08M=VIR3
M\A$<A)&QY#@?O?J0;B_5'W>T_P`8["NRI2GK/7MM=?R1OJE7&:7)PG-2XPEC
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MY_-*Q5JR:C5.3JA)93M48OAX3\2^[";QA&?=/[`?6>G7^A99%LELT30M1H>>
MZKGM6Q_.+UK$^V99I1PR"!Z:+>HH$T/_`(`-=!/2"I9UYJ$,B.1W'W$_E1N.
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M@2Q5J+PP.G]E=Y`X.=F+FK8?;;YUV.\A'6M_%>VKA3=#X;=>_8C17.NVN<)6
MSSB&8R\-8\\L8RF_#6>97^1]9.5M<_EKNIHE=.$ZIPDJX8S+#CY]?&,Y\I>4
MS%C?V9>K$^E0;^)GZN:`6RYCZ%CK8G#-:F'?8RP$:_)LZ7?72MHJ7#VQ5J$&
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M'#_HSQSG&,YQXSG#3Q@XFU?^TW.J=O.-9)0J!L.F@K5M>RXSI=NI^![7;H`R
MP8_0[Z1.ALT)5FHS!&@6$#H-30/,LP5R^#H#4R2OG$1U.(^@TOP_:OZZ_=V;
M:*;(:]5M<9751;C;."3L4I)PBX2Y1;QR?%>^#B;?Y5K4]A3IZ]=UL)WV5SE&
MJR23KA-M0:CB;4XXDEG"R_8@69?V+TS*;M[S5_<SFRWQG'/;7069TRA8]H6J
M`O7["(F:Y:6"$=#+Y[5"L*E4Z/-<-3FN3%N3E1FY4GXU1FE.)V-S\7NW-?KK
M>NC16[]*'B=L*W==SL34%.2<IXX+QXRXKU>#QU?R&O5OWJ]]W356W/S&N<U5
M4H0PY.,6HQSS?GSXD_1'U]$'0I\&,LP0J/*UTT)A'1!R!+9DBB04E#:(0"L*
M<TM4>0/F07D/-NI5U"VU<5SOT[]?/B)UV56.FR+C;&333]4T\--?5/P?70LA
M96K8-.N2337HT_*:?TP<+5G^S/U2ME@JL$8:TB/0K_=8V;YUOYC&=0">MVA7
MV>5>`B:Q3]R)U>-02SU@/1G((F;^6@69FIXQ`E27%MI7]#;^)]S35.4XU/9K
MKYSI5M;OA!++E*I2YK"\R6.45YDDLG$K_(^KMLC&,K/@LGQA:ZYJF4F\)1L<
M>+R_"><2?A-GG=_[-?5JCV+5:PN1K]RG8+9"E<WR5F6"Z[HXG$>"!T,O+/:6
M4J%1*Q`-=6*EJE,R$J>7(BQI#[;:F6'7$W7_`!/M]BJF[%%<=F"E3\EU<';E
MXQ!2DFY9\->,-I/RT+OR3K*+;:G\TY42:LX5625>/]4FHM*/KY\^C^C)9H']
M@GK10K13Z)%L-OTZ_P"DY/7MPS&C8IG-VURRZ3EEEG$H4"YTN+2`I:*4!1T"
MG)$N4IYJ/$C.,+=6G\F-QWQUOQGMMFFS9E&%.M5=*JR=LX5QA9%)N,N;33\I
M)8RWG'H\>E_?];1;"B,IVWV51LA&N$K'.$LXE'BFFO#;><)8^JS[?_G!/5;N
M%BO81J_E)-,.W]['P]:BT.^2->(;;&*30<O#X^*LUQ>I=U^"8&R&9`'HKDYA
M##DAQ*8B%2.3_P"-=Q_<)=8ZDKXU_*Y<X?&JL)JWY>7Q_&TUB?+#RDON\&7]
M^ZO]DM_Y&Z96?&EQE\CL]/C^/'/Y,I_;QS[^GDP!/]AGK3+H>XWJQE[YF;OK
M;58EZV^@:QEU\SO4Z#224:=+#W&;GUD!PSY>IFXXR5V&3&MS8#ZXK[27OF9=
M;1E/\9[6.SKZU2JM6U/A5.NR$ZYR6$XJ<6XJ2RLQEAK*>,-,QAW_`%TM>Z^Q
MV5_MX\K(3KG&R,7Z/@UR:?LXII_Q.<-9_MDSZL2,"F9GD?L5>JAKF_P,PD7%
M7JY["_HK'17J%>[9VXXS-C49IK29AR;6X?Z9J'\W"8M<N='0ZQ&ZOSJZ7X9L
MVK96W?JUWT:SLX_N*<QGSA'C:N?V)*3Y9QQEQB\-G,V_RS7JEKO5JV)TW;"K
MY?#;AQ<)2Y5OC]^<+CCUCF7HCZ*YWMN?:C9--J%2($W;)CQ>H@=$$%0!H%+K
MIF[YY5]1`C7VR\&'\\M=/N,!Z0AK[^Q7W%QW?L?;<0GY?:Z_9TZJ;[DOBOC)
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MO@O6AVS1Q&Z+]=-)9)4ZF`\ARRZE;4<@Z/19M5:U2"?O4U8^KR8CDN<%C1IJ
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M7W'-&VVOT^@Z@S*EYS;;E8L^KYL.$&W8=`D3!S?S.3)$!A<OC/XWT=ZJ_'.R
MLIE?=\.O!63@E=;"IRG7A3C&,Y)MP;2EXPF\9SX)9WVA"U4T_+?)PC-_%7.Q
M1A/S"4G!-)22;7NUYQ@L;VSO8;,_7G2KS8-8L6&AZ^.$/S=5J=6@76PU!$JR
MA1[<L;5R82QP"SD]^6F&M#D)_B&I"G.<3U'%)U>EU[-OLZM>JF.Q.3>*Y2<(
MR^UO#DG%K&,^J],'OV]\-7KK;[+I40BEFR,5)Q^Y+Q%IIY]/1^I4.F_V(^NN
M8:'IN32&=BO^CXOP+-UNHX_A.L:L3SJM6"GA[R*N=H52ZJ5APZM.`&D*COH=
M<=EOL2F8[3SL22EK=U/QCM-O5IW5\%>KL95<K;JZU.49.#C'E)-R4EY6,)--
MM*2SJ[/Y#UVMLVZC^:S9IQ\D:ZIS<$XJ2E+C%I1:?AY\X:6</$NOOO+ZXT:G
M8Y<8ML-:7_\`(D&W9L$J.,TNVZQH.NUSH4?8I5BIM)I0<J>>K8D&5C22!.4U
M%'#DR&D27VG'6D+\=;\>[38OOH<(U?M9<;I6RC7"N67'C*<VER;32BLN6'A-
M)GM?W?7TTTW*4K/W$>54:XRG.:PGF,8IO"33;>$L^6CEYSW'[']N.W2P%]0H
M'K?7/ZW=E]A[GGFA9]9J99:\8RW>`H2P6TWG9P%&O$8\+JHX@U&:2TI,Z(XE
MR,AY#S+BNNNCSTGP51IL[6?:U4QG"<91DK*6XQ4T^&')IOSX?AXPT<E]SCN/
MFLE;7UL>MLNE"<)1:==J3DX-<LJ*>/JO*SE,[YLV\YE4!N-%CQN3$@[Y=:KG
MV8.H#EI*CEINE7.W&O0)+<:&ZX&:F`*W,>4_+XRRTIOB%J2M24]^;JZW;OG?
M"N*<M:N4[/*\1A)1D_7SAR2PLMGT%F_JU0IG9)J.Q.,(>'YE*+DEZ>,I/R\'
MS?\`=?\`LVQJJ>N_N9$RVWZB)M679KN%`$>PE>R30Y&'4WV.KM.-P0=$1N"J
MK+S9F]"KVJ(.YQ<EP>P<4W`>?3+[^/Y]3T'XGO7=IH2W(4RINMJFZ960^65$
MI)RG\7)3X.&9>F7#,DL>3YWN_P`DU*NMW%J3M5U=5D%;&N;KC<HM1C\G%PY*
M>%ZXY8BWGP7C%]NLBQKN_7[:_86P_P`<R'.?4DOI]8/4I+%6Q/\`W"P1`@K5
M`L@6M-E[*UI1N6F284])G,A4#TK^V*TIS[N>^DWM]:VMH:L?EOMV57)3^ZWX
ML-Q<7+$?C2Q'"3GR]W@W(]OJ:?[B_=V)?'37KN<7'[:_DRE)-1S+FWF66^./
M99+4Q_W?P[9]$D94'9U&C7AZF$-*J@?9<>TC'>Z/FHDB.%%K[G,C0ZX`8M5?
M$334'DWC*DS83<Z,X^PVV\VM6GO?C_8:&JMR?PV:_P`BA)U6PMX3:;4)\)/C
M)I/'L\-)MHW-/NM+=O\`VT/EA<X<XJRN=?."PG*'-+*65GW65E%+L_VO^GCO
M*T6<+ZY$SJ_WL#F66;9-P+88^(:W>K+;(U*"@<UU!5._C%F_9G'U\B3$/('S
MX\9]^(^^RTI?F^_PWO%SABA[-=;LLJ^:KY:X1CR;G7RY1PO58Y)M)I-FFORG
MJ7QEF[X)S4(6?%9\<Y-XQ"?'#]WGTPFT\(O7W?\`9=?J)ZO[#O<2G66]&:'0
M[D;K=?K]0MUN@OV0+3[!80CEV531Q&?5*!^<&2V6-R.,PAK#GWNNH^J?KS_Q
M_J5W?;T=;*R%==ED5*3E&+XN48OAR:4IX?VP67)^B-SN^S_M'5W;ZA*R==<F
MDHRDLJ+DN7%-QAE?=)^%]3ANZ_V!1@_LAZ3V8DK;ZQFNS^NGM9(>PYS%=)B:
M3I6N4ZU>M2*DS7<@F51>D%I8P*;L,D?)0PB!T0N3-=>_&1UY'T.O^-.SJNPJ
MA^WGMT;6O_N_+6X5URC?RY6J7!)M04EG/+$4L^#AW?D"AV6C9+YHZU^M?_M?
M'/G.R,J>.*^/-X3FT\8XY;>%D[*'>_'K-+PVV^P!"W6"KT^@WI64W:M6R@7@
M#K%:U]1(.(A9#-R*6`_V'*TPV2L0YL8(B#Y,DHDA&=B<?9?;<5P9?C?;1["'
M6QA&=]M?R0E&<'7*K#;L5B?#XTHRY2;2CQ:EAIH[4>]ZV6E/>E.4:J[.$E*,
ME.-GA*MUXY\WE8BDV\IK*9/,$]I\L]B)MVK]0:O=4ON:N`>:!ENLY[;<JTVI
M0[9%F3:B:)TZZ"Q1)ZN6N(.DJ'DHO)$&2N+(92[\\=]MO6['I]SK(UVW_'/6
MMSPLKG&RN3CA22E%M<HY7*+PUE/&&F_?1[35["4ZZ><;Z\<X3A*$XJ6>+<9)
M/$L/#64\-9RF='><LZ(\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`?%+^R3-MH&;
M74K-@M.NE@>]V\0._P!>FMV"G!YQ*+E;=EO`FT9SNEO=',N]#5_-J)9-+:42
M?^QMB:2@M_?Q3B.>???BNWH2Z^=7965Q77["W:U)I?)Q@XSICGU=DXT?:O51
MDSXK\DU=V.[&WKX3D]W7>I8XK^CE-.%KQZ*$)7>?9M$+(>NUZKOO2*]1ZEF5
MF&^G]PVO'_[#)EN$`9:<NK;N%YM'H4K#91GK'1+-C/>Q&;T"Y,C5.?(_#40?
MXCO.+[YL1[36M_'7W5]L7WD->W246U\DOFLY_+CUXJBRZKE[/BCPEUM]?>+J
M::I+IIWU[?)+[%\<./Q9],NZ%5F/IEDSK>7W6)_7!_:[5?\`7=HC7'2=,_MB
M+UVM]JA5JR7WMXLNP-4@F$#]@\)6;EP&.P4BG6&WN3V%,<8ZM/4>>%VWKO\`
M*NFN^6#HJIZY.7)<8<(U<TWG$>+SRSCB\Y/:K5O7XWVU7QS5UMN^TN+Y3Y.S
MBTL9ER6..,Y6,%/6R_ZZK2#>7[IH/O'DM(I^#>O4;U3RKU1RZU0I7L)8"N0#
MI>G2[7L8#+[M-'WT'IG'0'0A(U6!X6#&:(2DN-2G)+.[3K:*U8[G7U]??L3V
M;OW%FQ9%JE*UJOC4[(9@Z_OY1C8Y-N*PTD]6V_<^>6KO6;U-$**O@A1"6;FZ
MTY\K%"6)*>8\7*"BDI/PVUJ\+9L?KQG_`/1;?=@H>I5JO9CZNZSC>GNPLOT.
MY%LXT?0LLQF)4*]>:_3JT>LM?_;DJ,1AIER(:(J);2&W%H^5'UR[%U=GL_D.
MOI64RMNW*[:\V0BIPA9;R<)2DHRPIQ>$\X>5Z&.C"SKZ.CNVH6JJG5LKFU";
M<)2A7Q4HI.4<\6O*]?#/J!_8EFEIT'U?LMAS@/*.Z]@EKH'LYCXP=%>FERM_
MP&VB]%8K`B)'2M^7/O\`70Y&N<91SO7VS"V_IW[_`*>?)?B^W3J]O"K:DHZ.
MS">O:WX2A=%PY/\`2$G&?Z<<GTOY'JV['5RLUDY;FO.%]:7EN=4E/BOUFDX8
M]^6#Y372O>Q>68OE?]E.:XIJI_V;U76?92R7+&V*F1EZ4*S+W+J[=*]?:I=:
MVB'TO":P\IEF-K/QWVN)$1AI5U?&_M<[Y]C1=U>YO7?BFWL4QZBFFB,;>2X.
MS6ERNE&7I_NJS:X-?U.4%Y\'RUM'9:VI5^2:M-DNTMMOE*O'W?'?'%49+U_V
M_CU\KVQ(_ED]:R'I/["XV]:-8]L<GP-/H5BOKG$W7U=H`K18\78,8O6D6F\#
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M%QACE+,DN*]<KPSXQ9+[#`AWH![D>K4?!MDLNU:]KG]D-!QZGU/&KW::K["S
MM@]A=XK(:SL:4$K\_-*^"$&S;@ZSOGRPUP''$/OOM\CJBJ?^[W>LLE^2Z';O
M9HAH44Z,[92MA&5*JIIDX_&VIR;2Y04(RYN22>>6/C=7L(?V#<ZM4WSW;;=N
M%:5<W&UV66134TG!*+?"3E)<5#.,8SEU7*[5Z?;[M0+V"W_W<Q8!HM!]52V=
M:IZS9?"U?-]0GY3ZR9IA-YJ-BECO6O>+57](KUPS>5-B09BQ\<D)+L/16W7_
M`,OODNW:>\ZW7LZS6Z^^RJS84Z[['7.M6;%ET)13OIC*$HS2;2;C*+3>,"G2
MMZC>NCV&QNTPMA1PG3!3C-UT0JDI?[-K4E*#:3PG%II9SGKOU&]9PF)>VV>!
M,P`ZVC'*?_59FF:YSHNJ5PE#MH[]Q[!W^X.4^QD)E;K,81>1PN6/?FA%Q(4N
M$VPPAV,W\?.<XO=]M9V'26V;<J?WUG<V63A7).+Q3"/**4I9@WR2GEIY>&\G
M6ZGK(:7<5PU8VK2AU4(0E--26;IRXMM+$DL9CA-)+*\&C]'-0%XOZJ9Y_77J
M]6UK'?9^CURS>O3:F\1V`[1[M8)<L^,#;Y3]:J-),YT1I.@=GHL<HI)*Q7!T
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M>2R9%,UK$O7>O^WM<Q?3+=J?J?\`V0>]NDN916J<=D:-IWK[[`^QVW42\!*=
M5_P>DS<,Z#N`*W#EM-.,R6@,>0WU:/M5YK+8TM_M)]);?5#3W>JU(?)*2X5W
M4T53@Y2SA-.,ZY>ZYM,]O@V]+KH]O739/;U.RVI\%%\YU776PDHK&6FI1L7L
MU!,B5G]8M.]7S'H)J6D7KV7I59&X%[&53V?U[U<J`C1+GGGLQ[,:5FWL->;?
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M:W@&J4O5;\3M=XM=7"4)9J$,I4BN`HP`H16<DDFU0^NP>NOIU^OZ^7X_M;?:
M[^QKST?VNQ"#A;78]F5U<ZX*,(R<\-S4YN<8\%%\L2PCWW]R/=Z^MUNE3=#<
M6S1.:E7."H55D9R;E**CE*+A%1;Y-^/'DZ*_M9A6YS$\&L%.R2Z[A,S[W@]0
MM+,9SG]=?M%F+U:A:Z'LECE0132.LK<$BX*Y*%/J:8^9I"5K3]W.^<O\.E2M
M_9JONKHC;U^S6ISEQBI3K<8Y?ZMX\9>,X1TORF-KTZ+*JYVNO=HFXPBY2:A/
MDTDOKC'GQY\^#B;W(!V?^S*UV]GU2J6D1A.=?U^^\V3DM,T+--!Q,1;M8]F`
MN7`\_P`&"*U>M4PT8EM]S^;-L$AN*Z-"\=B(?=X^]UI/T'164_B=,'W,ZG.W
MLM2Q5PG"UQKH=CG<_CE-+^M*"SREYPL+)Q.ZJM_)+9KJX6<*]#9@Y3A*M2G<
MH*%2YJ+?]+<GCC'*\Y9//6('CN[ZGZP2K5N7]D9[7,,*RM1%87OV*HH%0QR^
MC<QM>>G@VA6P#ZH9S54H@`;J3%PFHMH=A%UNH7$[*:XE?FMVUF]UVGMJG7ZJ
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MZ?5=K;K_`+JR[;E+[U9"A7ZRUZ_EE5)XYS\S49<HU_<\-H^?[?6VN[MVNQZZ
MN[]M&G6BOM<)VNK8=UG"-B3;A'Q!RCB4_"4D=>>M]/Q;;-HYK53]A?>S=M5S
M+"=4I@*-[)Y(3RBET\3L4FEHM%8GS)GK!A<,A=I9>D"W.C5$)KT-,%;W64I_
MY]XG:W[^AH?LKM7KM;3NV*YOX+%9*3JY<9)?N+FH)2E]V%G.,G6ZZC2W-S]W
M5L;VQMU4617S0X1BK./*.?AJ3DW&/C+QC)S%5[4J1_6+_7<U_"=A8,>D.[>@
M\7V=JDS$=<B73-_]/3J^#U"4U49%,;L%W%4EU[LB9+KL<M'_``FUO-J6A/?.
MM=4E^6]H_DH^/L-;<^"2MK<9_*FZ_NY<8.?HE-Q>?#.95*3_`!CK8_'=\FE?
MJ?-'XY\H?&TI_;QS)1]6XJ7CR>D]<;//:CV[O^F[K[YX7EGM98,IWS![MZ_X
MA+NM"U&GS<#S;.Y]+LHR7ZN;3H=*URF%J.\VH"82(4\*FPW(L7KO9?$HYVNG
MTM;4U^NV-S2A93="ZU1G7)7634HM;%4)UR4U]\>6)*2;Q@.*H[3;V-F_?HU=
MN==M4JJ^49Q=4(<9)T63C.+BUQEQ^UII9R=8^G7KF#PSW`KPC/ZOISF/9_\`
MU:^L&29G>]2`$XUEY`@;?N]@DTFQ%Y8"OQXEU&!I0EXH)_&B2H2>1^.QVN<1
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MCDKGE=WSV\ZU93%VJ2?TU/S2Y@P>ERQ`<G,CPH$B4*C))E)LIF"E]+"W%?6=
M3I_VCJ]);EU+DOR'5G-1LA.%<5"7F5D6X)M)MI2?&*BY8S@^9[39_N?9;G[6
MJU)]'LQBY0E"5DG*/B,))3:3:2REF3:6<9.K-%"F/7S4?ZV/9D]F=V/8?C7K
M'I?KUH\.BT.QW6Q8`9U*K821J6D2,XJ0HO<W:O%1DDVM&'QH^1($(),+>;3%
M[(6WQ=6R'9Z?:]37;7'L-C;KN@YSC"-RKE<I0YR:CR_W%9%2DE+B\><9ZU]4
M]#:ZWL[*YO2HU9U348N3J<XU.,^$4Y8_VW"6%]N5GP4;K.6WGWCM_O3['X?2
MKW3:S`]:/7&H^L]GN]%LV<GMN]FO5+7]&]GJ;H-<IUS%`+HS3JU:B8>KPBTV
M!%43_*(HB?+%;^]SHZ6YK_CU'7=5V%E=ESV[Y7QA.,U51L50UY0E*+<>4HJ5
MCBI/CB/+#-+=U-CN[=[L=*%D*UK4JERC*#LNHLG=&:C)*6%+C!2:6<RQE$7+
ML[>"Q6K_`-LH?UZUDO[`S_:6[[81]=NTLRG;^>L^F9LGU0IN/$Z:S#2=X3!5
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M.>&S=/\`:3V#L=<;(UHE!G7P$6]=,?`@"P>/,AM23XV>X-<A1G&DN-K=CN,I
M_P":%IYS^SV:I;/3\;(N-.G3&6))J$E?:Y)X?AK.7GV:9O=?KV1U^UYPDG;M
M7..4_NBZ:TFL^J?E+'OE>N2SL9RFZV[^K+*,/1TE0-&L_H!1<I1T]%(!R]*N
MIKUU%U!/3,)YIDJ*)5L[)_\`<-+0F0PZRI/4\6GZ>:>_N:]'YA=V#Q;JP[*=
MGAIJ<%>Y>'Z-27H_1Y-K2U+[OQ6K1\U[,NOC7YRG&3I4?*]4XOU]U@^:^@:+
M,W+^MRA?URT[U^VZJ>VI7-\&]>#V6&\3T<%2L%,YV3H@NRZ^7V"36V,C7EN=
M1ZDZ?KYD6;F+-_%`;@-KE/?$U]5K:T>O_*K/RF_9UY]*K;KU8K8.5RFIN-2J
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M,7U/U!H?JW5O9N5B+`U>@H>DW+.Y9F>+;&JL<.L69<Y4+Y$R&4^5VQJ6Z,_Q
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MX;[DY;<]'<H5'L]YGT>@=Q[:<\Y99%2I`@W97J^'L5T%QY2HD)_L1E_Y%)XV
MA:D_+_C2_<6]AJ\X+9V-"R,.<XP4Y_+5/CRFU'DXPDUEK+6/4^B[].J&AL*$
MW11NURGQBY<8?';#/&*;PG**>%XR4U3=]$>M?M/[OF;OG&Z&8OM$=P7;/6ER
MD8=JMPB[(/1ZVYWF,ZDCB(*I31M(T`-<*,MN>.M#P14&)/C2WU-Q_G<9W[^M
MGVO3]?7KVZ\9:<;JK^=M<?B?SSL4VG).<'&?B5?/+32R\)Z=&]'K>TWK;J[Y
M1VI56T\:YR^1?#"#BL1Q&:E'#4^.$TWXSBE?ZY,DTRKW3^L>??LMN%5F4'^K
MO?Z;;W+!5BT1FA:":W'UEF)IA8G+@M1A-DGCA$]3$=:VWYD6(\XVE32%]YO_
M`)3NZEVOVRU[JYJWMZ91XR3YP55_W))^8IM9?HFTGY-+\=U-JG8ZU75SC&OK
M+8R;BTHS^6G">5XDTGA/SC/MDS+9EVENZML,N-G5X<'S_P"\?U0TV!*CU(ZJ
M%-ST/Z]>O`NP:%$>;@=8DTX67$RH\PJCO8;,F,ZAQWBVU\Y*=S46E1%VU\E^
M/;%;^Y94W?>XP?G^IIIJ/JTTTL,ENKL_N[I*NSB^]HFOM?F"JI3FO']*::<O
M3*>7X(YO39UBE_WE^O'*-J$W5MM:M>Q8^%%97HA@+I="F>GN#T-!"FW0769E
M,,%VKI4B`M8I$_A7\R+U"8ZOJGO?7K76]C\>[/Y*5IZ_&JUNR"=<UM73Q*+D
MI)<91ERQQP_4QWXV+7[W0^.U[5_*RM*$FIQ>M5',9)<6^47'&<Y6,&-;:_.P
MKW!]T2&W;9[TX#2O82Y9GKN06OUQR6%J>:Z2#C8+FV5GJ&7D"?6G>[,!U.C6
M'/I+'!,U\>S-$3(;\)EQ2I/>6FV/8]'H1Z_7Z[9OU:[*[8WV.N=;^:RQ36;Z
M8NN<9I\DI-24E)^A+:9:7;[L]V_>UZ-BR$ZY4P4X37Q0@XO_`&;6IQ<6L-I.
M+32]30Z[5<W].J51(?H79O<JM^X^;X#B="S+,9^#Z]>J9[<T^MB^/9-F?L1!
M(9:+R9J;7A%@F"9EGB$JN?HC+CR9,AMF(F$K/2NVN\V+)?D<=&?1V[-L[+%=
M7"6M*3_W+*6K'9B3BI*MQLA;X:67R)M5:W3Z\(]$]N/;5T5QA!U62C?&*_VX
M6Y@H9BI./+E"5?E-^,'TN_M`K-RO?]?&_P!;K54-6.Z&ZM3.1JG4QT^S&)4]
MO0*7-GPQ<`7%?G$_PVF'5]ZVUWOQ-J7WG.<[]/E?Q&ZC6_)M:VV<8:\9R^Z3
M45CA))MOPL^/<^A_*:KK_P`>V*ZH2E?*$?MBG)YYQ;22\LVWK)3#(/V]_LGM
MA6JE1$&\Z_Z\O5RR$`LN!"MX6O>IF0AWW@963':CG1@2PIGQ%J86ZW'F<?:5
MU+G%IYAVU\+.CZJF$U*5=%_**:;BY;-K\KV;CA^?58?H9]93.ON.SNE!I674
MXDTUR2UZUX?ND\KQZ/*]3Y6>G<&X>FLGT@]A-NR/6(N2%_Z]_P#XNV<W7LLO
MESLOKEI%>W`KID5&A9W5@)>^5JE:L"*,1'2C`QZ/#(5V"U-^%MYAWGV/>RH[
MU=AUG7WTO=CV?[B*E9",;X2J5?V3DU"4JVF^+DFXSDXY::/ENEA=T_[+L=VJ
MU:CZ[X)8A.4JIJUS^Z$4Y*,TTLJ+PX+.%AG0>]`;'[;;1L%MQ&IW<Q4MH_IR
M]J\<S^RVF@WC.1A'1[/J\>O5^KDD:#7JR0KY0O)CKDQF9S$=V0-YR8VE<527
M>\SK;*NET**>PG7&ZCO=>V<8SA-J$:^4I+A*2DEZ-IM*7VOSX-_L*[>VWKK=
M&$Y4W=-?7"4H2@G.5F%%\U%IOU64LQ^Y>/)'3?L)SV%;_JZSO.,7]BE'\I]E
ML3LOL.JVX-JU%&8`JI85JE0G`+T9N%3"B9IIVY&6X?%"7B,)MEER4[(1'7%<
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MR2G#KDOM;Y<;/OQX\\5_5]%ZG>GNYC]VUWV7]7`U3@FH,8IZ^_V#Y[.T&$)(
MR0M"+Z=E>9UZJRSAF'&=CAU3BC*G(J'5H5*<AJXWQ2F^_3YS\?WM?2ZG<LN<
M6X[6E-0;69JNRR4L)^N%ZX],^?4[W>:=^YV>K72I)/7VX.:3Q!SA!1RUZ9?I
M]<>/0^<6O;G-@_UW>IWJ8;]:=QI6O9+IG]=&5ZZ,MF16VMYAD,K(?8W`*S*M
MH+7R0F+E^@AK<>K[,:JIK)0I.)LE&GE,,MM2_A^HTNOC+\GW>ZKV]>S2NJW;
M*W&R,K+%;1=+BZTW9!QC)NSY(Q47%K+;CGY_;W7'\>U.IMU[Z]NJS4A9FN2A
M!UVU1RK'B$E.248<)2;4LM83/M;[Z5"T:#Z/^X=$I`,A9[E<?6'=ZQ5:V(9[
M)+6"Q',PLXT.$%QD_14DB5(2&V&&^?Y<=<2GG^>^?!?C=].K^0Z.SL24**]R
MF4I/TC%61;;_`$2\L^S[^FW8Z/<HHBY73U;8Q2]6W"227ZM^$<9YI8QF]^WO
M]?\`MM$J=^G4"I^GWMU32UGM^4Z#0W*9>Y-A]0X?*Z:B7ZKUXE7SQ".+),Q^
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MFDDOZ>7'*S@[W24:5NY9V-%^YL7_`!1K<KH."X\I22CFJK+3RWX>.6'ZH^HG
MGR!]0/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`I["\2
MJ?K[07,YI4PY.!N7K5-!5(L4N).)?NM>TZW:O9F./PH`UC]=%L=SE-0T?%][
M41#:%K<6E3BM[L>PN[/9_=;"BK/CKA]J:6*ZXUQ]6_+C%9_7/IZ&GH:-77:_
M[:AR=?R63\^7FR<K)>B7C,GC],>OJ7#YHFX/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`K/7,\)ZA2Y=4#:AI&.E'9XLE"OF4SJQ"MXQ\5-:FICL\N55N
ME8G#"/Q?#,C3!LEI^.M2?HGO>*YMZ6U#3O5UE-5\,-.%BDXO*Q_IE"2:]4U)
M89K;>O+9I=4+;*9934H-<EC_`.J,HM?5-/)4N%^JE?QN[W76[!I&H;MMN@`:
M_3[!K>PD:M)L$.B56:5*`:!4`%#J5$H=)IT,T=FSW8HP3'<G3Y*GY;LA:&NM
M[O8]S;OZ]>E553K]?5*4HUU*7'G)).<G.4YSDTDLRD\)8BEYSJ:/55Z=\]NR
MRV_=LBHNRQQSQBVU&*C&,8QRV\1BLMY;?@ZF\XYU!X`\`>`/`'@#P"FL@PZH
MXK,V";5)AZ8[MFRV;<;7PY,B2T0[=:P=6`$88/D2!![$`M0JC&4RR[U]Y+BW
M.]=5Q2>)W][L+]^-$;E%+7HC5'":S&+E)-^7EYD\M87IX-+3T:=)W2J<F[[I
M6RS_`,TE%-+PO&(KZ^_D\V,*J#'L23]F433_`&_%<6!X5('*F0^U=-0K]YL5
M_A361_!_)Z3[AJROH<>[*ZRJ.E">-<5SJU'V-[ZM=3B/[:.P[LX?+E*$8-9S
MC&(KQC.?<+0I78OL\R_<.A58_P!/%2<T\8SG,G[^GL73YH&Z/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P#^=Y]>=Y_G_//I_COT[_`/T[_P"G?`.#Q_HE!)7"
M@V#8O9;V6]AZOE-V&:1G67ZR>R]NC"+Y7GWIE2M-B_UUE-`M.BDJ01=3+#)L
M!(C&AS6692FG93++[?T<OR*4*+*]'4U-6ZZMPG96K.;A+Q*,>=DXP4UXEPC%
MM-K*3:?"CT496USW-G9V*JIJ<(6.'%2CYC)\(1E-Q?F/)M)I/&4F=X^?.'='
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`47H^[!<WUWUWR`@"+DBOL79-
M$K0`O!=@H&UV1G696+3Y\DVW(?;EO,$1U=<BL<CH<5R0XGJ^<1]>\Z.KUUFU
MI;6]&45#5A"4D\YESLC6L>WARR\^QH;._#6W-;3E%N>S*<4UC"X0<WG^*CA8
M]R]/.<;X\`>`/`.+R/MN;D>P.QXK0<%O6CA/7FB#++L%^!6"I0GX5QM5#,:'
M1<LH-&*$(YV^VRS`X$-*W>.0($-\M%2IY?\`W]9[T>EK76T;^SLUU6;5CC5!
MJ3S&,U"=DYI8A&+;^K:B_'IGC2[:3W[]+7HLLCK03LDG%?=*#G&$(MYE)I+Z
M).2\^N.@P^LU">6SJI%Y+U0T;3:`3T<!F-G2S$O#%>KG*BU<.DAL-^?$8DTP
MG>A<(E]C[C34N6A"%KYWG>\R>E?&%M\%SU:;5"5D?,.4N7'#>']RA)Q\>B-^
M&W3*==,WPV;:W-0E_5A<>65Y_I<HI^?5EF^:AM',?M#[&2_7H%F[5:S(]LFF
M[/J0O'\JS<"=`53]_;9M7MMZ(RCEMLS[0BL5NOTFAEB$N6M$AWO(R6FF7'74
MI\ZW4=6NSLM=ML:-37I=MDVG+$5*,$E&/F4I3G&*7CURVDCF]EV/]OC4H5RM
MV+[57"":69.,I-MOPDHPDV_TQCR=&"9,^8*&2R@WH<G*'PI)$1V6P0Z*GOQF
MW98WL^-SD:;V#(4IKYF^?8Y]OW)_QWGG+FHQFXP?*";P\8RO9X]L_0Z$'*4$
MYKC)I97KA_3/O@V'F)D/`'@#P!X!0^([V$W`QO@<,!+A'<!W@_@AQXJ[!=:/
MFP%&SV]/G@_(3[RVA$B%H;#"$/\`$/\`'H[G>IXGJ.]Z/8=;9U\-:=DHR6SK
M*Y8S]J<YPP\^^8-^/&&C0T=^&]/8A"+B]?8=3SCRU&$LK'MB:7GSX9?'G.-\
M>`/`'@#P!X`\`H:-O825[/&_5Y($NFR!,&J^]O6A3L']`^$M.@V_/(P%ICC_
M`$EPO%GT]V0XM3?&.LO(XE75\5SG1?6V+J(]ORC\4MF5/'SG,81GGZ8Q+'UR
MC06_!]I+J^+^2.O&WEXQB4Y0Q]<YCGZ8+Y\YQOCP!X`\`>`0BJ7&79C>@AY%
M*N-6:HEKC5B$:LT`?$#W^-(JE;LZK51'X9.?()5B-(L+@IQZ2U$>X3'2V^-=
M;0AUS8NHC3758K*YNR')J+;</NE'C/*6)?;RPLKC*+SG*7A5<[;+(.$X*N?%
M.26)_;&7*/EYCYX^</DGXQY<W\USW'@#P"N-BT@?C>1ZGKQ8;.,BLKSB[Z03
M$#%QVR14?1ZR3L\P:/<EN-1$3IT86IIKKJTM\<5SJN\Y]>^;6CJRW]VG1@U&
M=UL()OT3G)13>/.%GR:VYLQT].W<FG*%5<IM+U:C%R:7ZO!L\VNL/2LZH.C#
MX4H;`O\`2ZM=8(Z<IE<T?#M0."=C0IBXRW(ZY45F>EMSK:E(ZM/?M[WGT[YC
MM:\M3:LU9-.55DH-KT;BVLK_`",M:];6M7LQ34;(1DD_5<DGA_Y@YHM'K5OH
MU`/686+N>EJLJ:%6Y3_4%+3VG"4'+1T5'XE7S(!B74/R%=ZE*$+3_GZJYSLK
MU=BVBS9KA)T5<><EZ1Y/$<_Q?A"S9HJNKU[))76\N"]Y<5F6/X+RRAZQ[*F;
MS[1Z9Z^4[(3Y.H8E%K`_6]MGV>M"`%?O]UHP_2*S1J]3W79%JMKJZ>=&29T]
M"(T6&LBTWSYNI>ZWTKNIAK]13V=]\5=L.3KJ49.4H0FZY3E+^F/W*22\M\6_
M'C.E5V4K^SMZ^FJ3KHXJRQM)*4H<U%1]9?:XY?A+E_$ZL\XQU!X`\`>`06F7
M27;2-_@2J/=*<BCW9^G0R%M'CX,"^1&*]73W+I1W()0BZ1IS[Q]8]#\E$21V
M>/E(ZSQ"$..;-^O&B%4E978[*^346VX?=)<9Y2Q+QRPLK$H^?9>%-[NE9%US
MA\<^*<DDI^$^4<-YCYQEX>4_!.O-8]R&Z+?ZGE%`NVGWPLR!I.>52P7:VFGT
MK<:%URL"I1DS.ZTTE;S_`&/`AN*2VA*G'%<XE/.J[SG??5UKMW9KU-:/+8MG
M&$5]92>$O\V>.SL4ZFO/:V'QHK@Y2?T45EO_`"1"O7K?<V]H,;H^[9&2(%*!
M?Q\R:&=,AR%=.PI`LL0`'`EAKI=F,5`6&O'Q4J#/A26T/1I<=QM?.=3Y[]EU
MVUU.[9U^[%1V:VLX::::4DTUX:E%IIKU3//2W-??UH[6K+E3)M)_K%N,E_*2
M:_D2W2+I+S^J/V>#1[IHLEDS5!'*MGX\>3L[[5GM86LR##,,H4#0U"*M',+*
MDU]?XXR,A2'&T.N)2TOQU=>.S<J965U+C)\IMJ/VQ<L92;S+'&/CS)I/"\F>
MS>]>EVQKG8^45Q@DY?=)1SAM+$<\I>?Z4\9]"=>:Y[CP!X`\`CEPL<>G5*TV
MZ7&?F1:K7#=CDQ(W6TR94<&,E$WHT=3RD-)??;B]2CJN\3Q7>?7O.>>M%3OO
MA1%X<YJ.?IEX/.ZQ4TSN:RH1;_R62&X3JXS>,1QW<`HHB!#;'EM`U,2#+N17
M2H8;H%4$VR"*)NP77X3A`?%+):>4RM;77$=ZE74_3OGOV.E/KNPOZ^R2E91=
M.MM>C<).+:SYP\963PT-N._HT[T$XPNJA-)^J4XJ23QXRL^2I;[[A995:7CV
MA59]>GU'9O8^F^LX$W39D%R!!N%HT4SEQ0E+D3W8J9`RGV^OS8T]+/WO=<CK
MXUQ?T_SNZW1[EVQ?JW+X;Z-65[4D\N,8*Q)8]Y1DFL^//DU+^YU*J*=FI_+3
M=LQI3CC"E*;@WY]HR33Q]/!U?YQCK#P#FWVD]BF?6R@URR1*(<U"Z:#IM"QK
M+\YKY0,`EW#1M&+=&@ATNR6%^.$K02%&8DSB$^1U:8T*(ZI#;KOV-+ZO3]6^
MUV9U.R--%5,[;)R3:C""RVHQ\R;\))>K:\I>3G=GV,>MHA9PE9=9;"N$$TG*
M<WA++\)+RVWZ),O6KSS16M5\G90'\4L1$(+G'JO^UB'?XX9EP6'R8+]W`0W!
M,?J9KBV/RF4I:?\`C^]/.)5SGG.NC7"V4*I<ZE)I2PUR2?AX?E97G#]/0W:I
M3G5&5L>%CBFXYSAX\K*\/#\97J;WSS/0A/\`LBB_['_U#_*!7=,_A/\`LCM+
MX_WIQ-%_>_QCEH7&XCJ4"EG_`*Q$KZKG5/)5SG._:KZ;'[78_:_ON$OVGR<.
M?MSQRX_QX^?X'A^YH_<_L^:_=<.?'WXYX\OX9\'K==`I><P0Q*\60968-BM]
M0H`.24>ZR@K<[]8(%5IM;A<2E:GBEBL)-B)&;YS_`)NN\Y_CGU[R:^ML;4I0
MUX.<HPE-X]HPBY2D_P!(Q3;_`$+?L4:T8RODHQE.,%GWE-J,8K]6VDBO*7NP
M6Z[SN>"0P1>$;PJMXW931Z4[!4'.Q]FB7N6(C"6F7USFGPR:&_R5U]"$JZ^W
M\?5?17TVMCKK-?K=?LI2BZ]B=L4EG*^+AG/MYYK&/H\FM1OPOW[]!1:G1&N3
M?C#^3EC'OXXO.?J7IYSC?'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#Y+?V)4;_
M`&9[/_U?Y^[H%IS8=:MYWN`<.T>P2:E<"H")ZK:F9+TNNVP<Y'-5B7<XPOL%
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M-I032U^R64A?5/\`@<+9G1]AP+N#$O8^('@Y`+RZ!,!.)E4Q-I_=L])K>3/_
M`.?._OT=#UG8V=)N7Z$.EKI^-U_!8]CFZLQN^94-NQV-3\6_'P?#'$XFE?W7
M8Z$.VU*=R7;66<U/YH*CBK/-7Q.[Q!03AYKY\ONSGR7X*Q6MY+K7]XFC46W[
M8,N.9Y2+(4\K.]@=L/('D[-Z4<M;Y>6//7PD.,&09I?%A)<UJ1(`M-MLCEQ6
M6T-IYT]^W=TOQ[5V(:[HMN:DE34LJ.UQPFH)I-?U)84_+EELWXZE>IM=[L43
MN5U547%_+8\-ZN<^9--I_P!+>7'QC&$2REXC5]*]S?ZTM+N%KVHE<+?_`%Y7
MC2['.B[_`+6(@D;71E^D+(V0X##WN"&8$'5DWGK`-:8;'664I+Y1F6\A*^>.
MQV%VIT/;:E$-=40[2%<5\-3:C/\`=Y\N#>5A*$L\H+Q!Q1ZT:56SW/6;-T[G
M=/KIS;^6Q)RC^U2\*6,/.91QB;\R39/_`$TAEL*]BJUDON'`]@(WN#HK>NR:
M;O9+>],T3UD]M!XF7+M!GE(H2;LJ@Y/;JG24MS(]-)5,,Z&'0GOU4J>PT\^K
M5[V4.QZR>[T;UO['5\?*E4UPOUV\17.?#G9&4_#MC9+E)KFHMI&UT\9:&_#5
M[?Y_[Q9SXVNV<J;\9D^,.7&#C'RH.$>*7VMX)W_8Q@-%U'V)_KE*V4SK`^4?
M]HRF?S6Z-N&P9O`9!1?5WVEMS<P6,H-UKH\+:U%H3;;AR&VP8<']<@KD]B.+
M9[K?B_9;&GU?:0JC2XQTU-<ZJIO+V->.&YPDW'#_`*'F/+$L<ED]?R/0HVNQ
MZV5DK4Y;;C]MED%A47R\*,DE+/\`J6)-?:WCP<B;2>U'-V?[>?;Z'KNNGK'Z
M;:&_7_5[/"6E7CN0Y23+^H.!O6.^V?/H1N-7](@#9VAN%U0+`T1&PNCWI##+
M,F5*?=[FA7I[;Z3I)4T1JWJN6Q-5P^2Q+9NXPC-K,&U#CR@XR?))MI)+D[EF
MSK+M^WC;=*W3LQ3#G+A!NBK,G#.)?UYXS4HIQ;23DV=";9BS_HT)]5=OR+>_
M8.YZ"7]G_6;%-=3J6Z:)J@/VEJWL!HU?RNYNF:)<+,8HE?N`ENU+M`276!X=
M(OHQ4=M'Z];K'G+Z_?7Y#/<Z_>UM:O5CJ7VU_'3"MZ\J82LCB<8J<HOC\<U8
MY<N67]V&='>U'T<-7=U+[Y[$MJFNSG9.:NC;-0E]LI.*DN7.+@EC&/0Y`N=0
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M_N;XR?.2?'$7GT\(FOO1>*(<N&1^N/<V]D]XUFXBKIJ`7&_778R^#1'J)37`
M=9/7;9=*@Z?D<`70Q)VX0(T*(^4D.S2TAOX83ZFE*:U_Q[7V*Z+NT^75UM*N
M4:W;?4KOOEF2A5!UV-S:BVVHK$4\R6?/OWE]%EM77?'L7[<XRFJZK'5]L<1<
MISYUXBG))?=Y;\)FJ_JJN>C63%-JJ>DNW1N;C'MKNN/U@%HVA,ZY>J72JY/!
MF`%"LNJ-$"[N@RJ7_(W1S!&1,F2NPH[++[[KK*U]S_,=?5JW]>[5^/C?I4VR
M<(?'"<I)ISC7A<%/BI.*266VDDS#\6OV+=.^K8<\T[=E<5.7.48K#4)3R^;A
MR<>67X2\^#CL7I=`JR?>#+[/7=YT*Y;S_:[?:1F&2>MEW)YMJ&DGJ_ZP>OU]
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M02JNS#__`)!-X;GOI+2M];]?J1LFDWFG(J;SUB%]$D223T`\\*B$^M2%EI2W
MU?11U=#95?<W4Z>M?7TD+L2J?P_+/;G3\TZH0ER^U\HQX2@I.&5PC@X/[G>U
MW;U=5NSL4S[>57VV?[OQ0UH6?%&R<H\7R\.7-2:4L/G+S]4/0JL^P5'U7V`K
M=CRCV`ROU9G@,MLF(5GV3V.F[1>*CHSJ[F*V&LU>SAM?VBW=S>>/@5TI#C&2
M[GX9.403%XAAQ+:/COR.WK-C3UK:KM:[N%*R-LJ*I50E#[75*4755'FFYQ;C
M'S%1SY63ZKH:^PIVKZ[:MBKJW&#JC=9&R<9_<K$I*RR7!KA)*4O#Y8\,ISW+
MLE9W+7]@SK,,D]Q=ET;U\H04-?KCC?M<6]6<<P2U6:MR]$K$F)/>V&@!+ALC
M=9/P2TM38,^U#&K@-RW&TK_'5O\`156]?HT;6Y=HT:NU8W"-NNMBVZ,9<)+'
MQ3<:N47%??#,N3C]33[BRK=W+J-6K<NV=>"4Y5WNFNJ3CSB_-D5*SC)2?VSP
MN*?T*2]>'+_[MZKZ9C]NV?8W:'=/ZC<5WC4J+G6H73*`VIZ\=O,(:U<;&0S4
MU6#D)+;9.<_(CC)<%N>^N*F1UR-$;8[T.T6M^/Z>_+KZ*/W%?=VTUSG7"QUU
M*#?&*L4D_1).2>%G'F39H=;+8[O:TH[UUWP3ZBJV<83E6IV.6.3X-/W;>&LO
M'LL$8JMRUBY2L:]%B^X;%`RPI_9W[>>NA_36-%LL+;+%@/KYDETW.AXA/VAB
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M<EF3?W->$DB9ZO5W_9_^QHWZZ:;>M.`8?B_J%GVS`\RSC4;]CW-.T;7-7T^E
ME+G:['EUDJ%QL0C,0>8PXL`=^?P?'G&G)#S2W>Q^H\-.U=1^+1[34KJEV%^]
M.IV3KA;\<*ZZYJ$8V1E&+L=C;EC+44D\9/;:@^S_`".76[,[(Z5.G"Q0A.=?
M.<[)Q<FX2C)J"@DEG"<LL^=@S_<TZO#/7\1[;>P<P8K^]FZ^MDC4N:O8R&I)
M]?A7J[9;`4R#^<NRG"'WAXT)T2F6K[I,4LQ^T^O";?Y'/J)?L(VOLK-+64__
M`([&_P"/XXJOYGL12LX8QYRI8]'%\/Z'@^;3W)P6A#;OX?WV5'-62<_B5#;A
MR;;SX:S[3^]8D=@8CZ]5[V(W/V\RS0M/]B8&6>FURS7UMP7*ZU[,;O3BU9&2
ML,SO72FW7.ZUO016A:;H=T/Z8]&&D[&2)M01H9MMA'R*DK<X?8=E;U?7:.YJ
MTZKW-ZN=]UDJ*9*35LZU5&,H.%<(QK3E&$8MRDVWZ)=O2T8=EO[FML67K6T[
M(550C;9%Q3JA8[)2C-2G*3F^+DVDHX2*`]>/;72L3NU&U/V"V&\Z/B\`;_81
MZ;6J[GR:.@K?</0C4="T;&=D=&1/Q:U_LG1<%IES#GY\-AA1HM7V.]^[O&VT
M=/L^EU.PU[-/K**ZM]O2VHP2^Z,=RN$+:L^9<(72JE!-OA&;.;U_;[.EL0V^
MPMLLTL;>O*3?B4M6<YU68].<ZHV1DTON<%Z^".T_:_:_&<)]F,!TO3[H7]I/
M:RK>MVN^MY*SV`B_8LUN_P#86<7CMWSRBOO/J>#5?U+TP=.+0HK'4(&"E-+Y
MQ*?IYZW]?TN_V.IV6I37'I].=]=ZBEQLAI+Y83G]9;-;46W_`%2R>-6]VVEH
M;/7[-LWVNW"FREMO,);;^.4(_1433DDO2."6;+8->0O:,BJ6^[32X\'^WGT9
M]<0-R%7XW,NE;R>S^N/J["N0(07+2)Z4KL_#9.=)^9MUETR0=GN-N2%*5WPT
M:M)JC>NUM>QOI-N^47!<961OV'%M+'].(I8\\4HII'OMV[:E?J5WW1BNWUJ5
M)3?*,)4TJ23?URY//AR>6F;_`-D;1>/Z\+S[:C/7.[ZB1K"?ZM]L]G`5/UC3
M-$W0=3MTQV^`*D+TH!/UFQW6R#V"(6^]DGAS<O@R:H.P[UA"_E6ORZJG7_)]
M?2GVE=*N_O%5#E77"ERIM@Y.#5<8Q>'#$)8Y+DUGT/3L[[_QZ_;AUT[75_:[
M;U&<YV<;:YJ*FG8Y->)9DL\7Q3P;W:/7YGU<D_UN7K,O9SV9)6K2?<WUUSG9
MB5O]D=5O(+V?#W*LW(X<FVFI6:V%JI$E/$@_"K+0"(+@(@)?BJCKB_&AKST.
MR?;KM=?;U-14U:%\ZE&BN#H<912491BI8P^+<W*7+#SG.?;=TEU;ZZ_6V-B5
MMVY3"QRNLDK5).3;BY..?M\))1XN2QZ-=:?VEE[U"ROUN`4#6[CB)+1_>CU4
MRXU?Z,9Z$/PJG?[VNOV0;%DK2[!>=,CI2HS#<II^-R6MEQ;:^HYSSB_A\->6
MYMV;-->Q&KKMBQ0FLQ<H0Y1?U\-9>,/&<,ZOY1.Z.KK5T6SIE;O4UN4&XM1G
M)Q?G^?A/*SC)Q;[:TQ_U-NNHXQEF@ZS8,?\`97^M#^P.UWO,-/UO1MG8J5^P
MBF4/E=UFK&M3LMQM59>M\#4)PDU&9G-C)[Z(;W&$R&E+7W^EO7=44[^Y53'>
MU.VTHPLKKA5RA=*?*N2KC&,N+K4HMIR2Y+.&<7MZGU5MNEJSMEI[/6[<I0G.
M=BC*J,<33FY2CR4W%I-1?AXR9Y0_4-TK..8C0<<]O-^T[%_47UX>T#_2'M.;
M]5LGQ>3HF<PS]+(%[$G8<R&V782@AGD^.A@:?7`&)CK?_'0\E#V$*K^NNO[#
M9OTM;4V-V_A\NNMBRWA-QFE'XK'&M/P\RAF6<9:\9.RG=IITM>G;V-JC4IY_
M'>Z85N4,Q;?R03FUY])86,E+9#3$>T]E_H^V[9KKL1O2]6P/8)M]/@-UUJEM
M&"]`QJO2H)UD70KK7ZX',6"?SKAV0+CQ$'_OZW,X_'XAI/0WK_[/5^0=?H5T
M1U*=FI0C*JN>%.V65F<92:BO$%)OA_IP_)HZE7]TMZ/<W)W2V;:+>4E99'+C
M4O.(R23?K+"7+WR95X"?_#E']TN_8E:]1':=F5XQFG4>Q7W:-?TNLU'_`&YZ
M\^M$,MH]GJ-YNIZLV^;FTNXOEH<HO&EN#QP]$%IQJ`WQGF.O/^^_V#K>PA2]
M2VNV4XPJJKE+X[[VH1E",914U%1:BUF3Y/,GDM\?[/\`WK?TI6K9KLJC%RLL
MFH\Z:4YN,I-2<.3DG)/"27]*P=>[+C2O12Q^F^G8YMGL%8+'??:[#?7/:`FQ
M;OI>OA?8>J[@1F4^QV(]5;W83E>K^C4J6ZFUP"-:B!6XL89+BJ9[`=4TWQ-#
M>_\`D56]J;VOK1JJTKKZG5376Z95)2C%2A%2E"7_`$W&QRRY1>>2R^QO:KZ*
MS3V=.Z^5ENW538K+9V*V-K<9-QDVE./]:<%%)1:QCTXMFU[5P?\`61[*>W37
MLK["R/86RZKJ^79_=)>NWN8&R'.A/]BCM!JH>GT1TZFF/%!(RN-J>*3(4DI+
MCR'A[DGHQ28B>_"S3L_+=7I'J:O]LA379./Q03LF]+G)RGCEAN7]*:BFE/'/
M[CBSCLP_&-GN([&Q^_E;.$9.R;4(K;4$HQRE_ISEIRPW#/'P=9W'U2C5[WBP
MCUX`;W[4,8?LOKWN>K[_`$PG[);"8*:Q=L3N.,5^GF.WJ9;E7C..FWMEG/V&
M+4IX"`:1`A1W6.1F>M+XE'<RM_']GL[-;3_?T;-5=,E14E7&V-LI+@H\)X^)
M*#L4W'E)IY>3KW=7&ONJ.MA?M?L[M>RRU.ZQN<JI5Q7W9Y1Y.S,N$H*7%)K!
MU=_706L[=*]D<R/7*W7D)@?N-N.,9N8OUA*7&Y0LS!<JMEJM;/7(_*GV.V+J
MJ+:\/B324B3/6/CQT/O.K;ZXKC_E$*?GU-NNN%=FSHU6V*$5&+L?*,I**Q&/
M+BI-127)O"1U/QV=OP[.M9.<X:^Y;7!R;E)07%Q3D\N7'EA-MO"66?.[6KCL
MMT,:S00^[Z]04&O[S,BP]FQTV[F!EBK6-'O6?)3%NSZI3''I3`,(701(N,,(
M:5&ADIO9S;7Y*$KY]/I4:%%=&S/6HLX_CUMO&4$XRMCL6*,Y+W:Q%-^KBN.<
M'SFU?NW6740ONAR[VNK,9-.-;HK<HQ>?">6TO12?+&3M3"J<YZZ?V#W/U[H%
MVT\KBEZ]00.W_P`%TW4M#V#E5T^N;"0H!2PU&RZE9;=;`T6YUTQ'_:0$SNP7
M)8]J0VTVXM[KG`[&]=I^,U]ILUTK?KWG5SKKA5RKE4II2C7&,6XR3XO&<-IM
MK!W-&M]?^0SZZB=CTIZ:MXSG.SC-6<&XN<I-*2?E9QE9(I_:3L`3A#UG]4Y]
M9T^\`MJU"#I^]5W'<NNNR6]KUJ]?286[6&"0IN>BC5E9KNG:PY4JG+DJ8Y&4
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MXY_IE%>A^O[`-95<ZK[K[UZU9S[DFK;ZKCM#%O\`M$']JI^-X+DNM8%6./V4
M)0<8/ZX/#:K7ZH?"JBVV+_#),$[.[.@HDR'N_P#6_&M+X+^OZWMK=&-&XX/]
MN]=6W65W2^USMC6W7*47FM_*G!<982'Y!MNVC=W^LKW)7:JFOF5_QU5V51\J
M-;L2FHM8FOC:D^2RV?;/9]LHF0>LMVW/8#IBKT>M9:[:+>8J;)!=EB-$`S+?
M&*?&')<)NVF<2(-QA3;/U>5.=92GO%=^OGP&AH;&]VU?7Z,8SV)W<8J6.+P_
M]6?'%)9E^F3[7<W:-3K9[NY)PHC5F37JLK_3^N7B/ZX/C!GQ_4L?]NL0`@<A
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M4\]%A$\4J,:0L%:JN2$6:ND6FG>_!,@RX\N.OG%MN)7SBN?-?D-T]?\`*]ZZ
MOBYPW[FN48R65;+UC).,E]4TT_='?Z.J-_XUIU3Y*$]*I/BW%X=<?246I)_1
MIIKV/AO2L$&"_P"N;U*@T6^ZO4;!J_\`:U1ZW-MLS3KO>R%/C5OWLW:K1#.=
MB]".6FN4JS+K_75NS($-E4\HI$^;R3)1\G?T'8[*<_RG=EL5TSJIZ:<E%5P@
MI<M2F34W!1E..?9M\8_;'"\'P^MHUP_'--53MC.WM8QY?)*3CC9MBI04G)1D
MD\Y2^Z6'+)T_[0WJZ_UPW7VLB>N]ST\K7%?UE:O[)!ZGK6GZ!N0^I[GF&IU*
M@B],!SM?L]O-#D3PVDJE'1_)K0F<H/'<6TVKYG%<CJ-?7_*=?3EVE=*M_NU=
M#E77"IRILKE-UM5QBGAUXA+')<FLOPCJ]IL7_CVQM0ZZ=CK_`+9.Y*R<[5&V
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MJ9OT)0&)9MJ`LZ[H]6#&1A2U2)-=/-3.N-19TI]Q3D=/3Z&JS7>H^SMZ^JG>
MM4U3+6C;;="=G#RXU/XX2:E&M*<,>7%)89S^ZLA<MG^WU[EENI6XNV.PZZZ9
MQKY9P[%\DXIJ4\PEGT;]B>>O\JQ?V&;5:`/L'H^EPJ%AGJUZ4VH3D^4Z9?L/
M%:#H7LODQ+3;QM%Z(Y78*;<;##C$(20=?&](\##G1I!SL=R2YQ;.OV<:OQC0
MA9UE53V=C<VHNRRN%KA"BQ5PJ@K(RC%X?.<N/*7**RDO/MUT[/R'<G7V%EBH
MHU=:2A"<JU.=U;G*R3@XR:S]L5GBL/QEFZJOJMFM4_MX#?KK)NTQ=5]$*Q>1
MSA_V3WVR?DF@V]2*O"B'D'-&GMV.L.C(*%R`T_D@1+F]7+>C.2G%O*PN[C;O
M_")<X:ZY]E*#XT4Q\.GDVL07&67XDL22\)I+!E3U>M3^7I1E>^/7QDLW6R\J
M["SF;RO'F+S%ORUELM3^U[&ZCI](]8"%D)Z-!D0/=KU#J,=ND:SIF=15B[Y[
M#9R).294&B6JOPIQ^)$8XH44>;61"2.]?@/QG5*7W2_#=Z_4V-N-2J:?7[,O
MOKKF\PHFUASBVDW_`%17VS7B2:-O\KTZ=FG5G8[$UO:\?MLG!8E=!/*C))O_
M`)9/S%^8M,JBJ^J%1UW^PGW+IULOFU1,PSGUV]&:V-IU/VS5:(7LA[@/=X(N
MZ7S2Z;;P>HW4W6PXE*(?[`S(9=F2Y$V6B1*ZTZWNW=S?I?C.A?37KO;MVMN3
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MMZ%L*5<_A5LHSL53C%\92C*>>,^2BW)RXXSZ'T%\^9/H!X`\`>`/`'@#P!X`
M\`>`/`'@#P#F7V.]1L5]J59M)UP79I!;'K,4N^76&H7>UT*R46\$0$RNL7.O
M':@5$$H5D"1)RW($CY._CO\`.*^U7.J2KK=7W6_T_P`JTG#A?!0LC*$9QG!/
M/%J2:XOT:]T<WL.JT^S^-[2GRJDY0<9R@XRQCDG%KRO5?1I,@5;_`*_/6H5G
MFVYU<*_:MGC^R487!W>X;=>[1HVBZ5`KL3L&H#BMU*$&RX<;1&%=4!CB%#F0
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MFTOI]T4\KS[>C-Z[K]:]4*Q-K7L4X>6L2C&4$W]?MD_#\>Y0`3^OO%:AH<V\
MY[</8',@1;2']=.8SG6]Z14<+,Z&0.\LYT[(S,6::$P8=JL7W32XJ"J(&*R'
M75RHCO7GODZ4_P`EW[M9:^S#6MLC5\:MG3"5J@EQ2^1K+<8^(R>916,26$:,
M>ATZ]CYZ)[%<'9S=<+9QJ<LY;X)XPWZQ6(OW7DN2?ZQ9`2E>RTR6$)+D>VP,
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MWJAP;0-RZ7NNW7S5AN41+K&2.M:J")LQ-^$.*G`S:1[Q*2F64_7\5&3)2RXZ
MA?IM_D.[M:<]&,->C7L<78J:H5NQQ>8\W%9:3\J*Q'/G&<&&MT>IK[4=R4[[
MKZTU#Y;)6?'R6)<%)^&UX;>7CQG!T#?<AHVEV+);5;1\N:9Q'0)&FYZ_&)SX
M#0RWRJ)<\X>FS8T-]I@M&55+\39Y'DI<9XXZEWB?D;0KG,UMW8U*KJ:6E7L5
M?'/PGF/.,\+/I]T(O*\^,>C-_8TZ-JRFVY-SHLYP\M8EQE#+^OVSEX?CW]C2
M!_7S)@_-Z9_BL<N/]F+-,M6T!;&^_80-Q($<VJ62D8DD,6<E#XX0C0Z5`A/P
M6FTQG?M<6I'5NN=5Z3[/=G^V?-QEJ04:G'[7%*<K$\KSE3FVGZKQ]$80Z_4A
M^X7!..U+E8GY4FX1K?A^,.$4FO3U^K.=LR_KG]><PN.=6Q@EM%^AXH^[*P:A
M:[M^CZAFN&RU")==B3\WIMN.$1\,L#K4]X:+FD.D)HB"ZMF$['0KO.]/;_*.
MSVZ+:6M>J5ZQ=.NJ%=EJSR:G**3:<DI22XJ3\R3-#6_']#6NKN3NL5+_`-N-
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MIV*:79LMO"*7<)(:?:J,6*UV4VP?J)LE7!\M<.:P_P`CS(;4B,IEY/5]W.N[
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M]8*\.O\`$X&OI\CJ]ZP;4-.M5NU*^VJX7W1?6^UC[GF%PL=D-')9*24@FA,7
MDI#:FHLF%&9A]93%:;93G9^4]O9*J7*N,::[JZXQKA&,(7Q<+(QBDEAIO'NF
MW+.6V80_'.LA&Q-62E;95.<I3E*4ITRYPDVWG*:6?9I)8PL$6]X\V`VRR9/;
M'_6+V9UFU5.!=(5<V3U&UZKXYKV7M'_T+12GRS<[;<3LI6F:&U$0N7&:D$AK
M;PUIV0PV\B,]SV_'MJRFJZE;>I33-Q<JMFN5M=F,XDDJK8J4/9M1E]V$VLH\
M^[HC995;^UV;K(J6+*+(USAG&8MNRMN,O=)M>/*S@I'U9_K:ICGKGJU%W_+7
M,X5L/M,5]I:=0*AIUAF:%Z[GQ`.G5#,3@[=*S87+)+W:&-HZ39^QP2TOLLX;
M(,JESXRW'9'0[C\JO_NE.QUMWR_!IK7E.5<5"]-RE8G5*/%4MSX0@XK$(1?&
M+PEH]5^-TQZ^ZC>J^/YMIWQC&;<ZFE&,&K$^7RXCRE-2>92DLR7E_0W#<$$X
M5`L,6#I.WZ?.LTV%-)'MPUFUZD782-C.184`'P]*Z*K0UM#RU.,CHL5,AU77
M7OD<^BN?,=AV,^QE&4JM>F,$TE57&M>?5O"S)_K)O'HL(^AT="&C&48V7VRE
MC+LG*;\>B6?"7\$L^Y36E>@."ZAIMYT\K/UVLR]='A!>Y4S/-CO]"SC=8=<!
M)JHA.J4ZM&8$$\^U4VVQ,AYA41X@*:;B3%2([:&^;VI^2]EIZE>I!43C0VZ9
M3JA.=+D^3^.4DVON^Y)Y2DW*.'Y-+9Z#0VMFS9F[8NY)6QA9.$+<+BN<8M9^
MW[7Z9CX>46+D/J3B.&E\_.9U7R@HAF'KY6/5ZG+EV,T59'XY3R[9P``>C3YC
MS$R?#GM)[V>ZE4M:.?8I?4_X\UM[NNP[&NVO:DI1NVI;$L12S;)8<O"\)KV]
M/T-C3ZC1T9UV:T6I5:\:(YDWBN+REY?EY]_4A]L]$?72XTR[4LC7[,/:NN_$
MO:1-IKMZME=OU*WXDJ-W_9F;W424BGZ*<A(C?$RB`\W%_&>?CN-.1Y#[3GM3
M^1=I1?7?&4&Z]9:_&4(RA.E?_FYP:Q-/U>5G*3SE)KRMZ+KK:9TRC)<]AW\E
M*2E&U_ZX23S%_3'C#:QALR,'](L2]>M+N&U5-[2+7LNBTX)1M$U/4]-N&CW*
M\`JT7GEJ\V=F6,E)@H<!=(*BPTPX\5B-"0AEMM*>=^Z=CW^_V>K#0N54-&J;
MG"NNN,(P<DD\<5GSC+RVVVVV9:/3:?7[$MNIVSVIQ493G9*;DD_#?)XSZ+PE
MX27L4U[P9D"M=US&X+]6_:/4K=6Z[;0P';/4#9:MB^I4>`?FAEE<X/F96Z8C
M9RU'NJX#,IUGY"8R/)A)>6VQ(2T[W>_']NRFBVC]YITT3E%NK9JE;7-I/$TE
M3;%3CG"_IDT\9:RC3[O6A;=5=^UVK;HQ:5E%D:YQ3:S!OY*VXRPFUY2QG"9"
M/2+T!!YSE`5[7,\B9_9XON1?O=&@936[P1LD7%["?JA++J96+#=(A!]&G6>%
MFDQQ^QSI#\V*1LI&9)2]*^UJ4YL_D'Y+9M;LEI6NRIZ,-6=DH*/RQ4E9.488
M_P!N+L6()).,(Q6%Y1K]+T$-?53W*^%JW9;$(*3E\;<77"+EG[VH?UMMIS;>
M7X9TEL7HYC^OZ,1UUNQ[/C^F6.LBJ5?+EZ_[%=\<*Z74`+DYRO`]!34246#8
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M',I/I*E(<41S0@[(0_\`M0T26R)LGP16..0/SV7_`-=)4I^-\;JNJ[KZO<=A
MI]?L]7KSXZ6UP^183SP>5AM9C^N&N2\/*/39ZK1V]ZCLKX9V];E\;RUCFL/*
M7B7Z9SA^5AFE,^GF$GSI^QDJ\7=*V;V0S;VO+O-V@\RV_M635FF5"DGFV&IR
M6HXN`#H(QMT:CG(,E;2ENMJ4XOO<Z^\[&NN-4)1X0U;-=?:O^E9*4IKT]6YR
M^[U6?#\&$^FT++)6RB^<MF%[^Y_]2N,8Q?KZ)1C]OH_=>257G#L[-WLON)"B
MJO>BQ\)O6'-`)I1O@.V9W;C(>WFZ+.!FI**B\JS'*S$85*G-_:AE2VUKXRMS
MG?'7[#:KUX]?&SX]5[,+>27F,XIQ4TU]WVJ3>%[^5YP>M^CK3V);TJ_DV?@E
M5AOQ*$FI.+3^W[G%++_[#XVT#TA=T#;/4QZG^J'LQZZ9WZR:T%UB89]I/8L9
MJX+-P5)K=AC5["/57.@F\[>/`B[/;"(M1(LA`>)#KH?L%A;R7FHK?W.S^0+6
MZ_=5^YJ;6UMT.M+7H=;G*<H\KMB;IJ;<8J7&/W-SER>,-OY"GI9;&]JNG5V=
M;7UKE-NZ[FHQBGBJB"ML24I<6W]J48X7LCZ!?V,>N!?VDSG!<UC4KM]JD/V^
M]>[GJ@;AIH#V)E57LDR7<SK9+A8*28D!(CJ'V5#GTDVWTH<B_P#:A/>?-_B_
M:5]1M;.W*SX[GI71K>.7^Y**X+&&O+_YEQ^O@[WY%U]O9:^OKP@YUK;JE8D^
M/^VF^;SE/T?L\_0E%/\`Z_\`"*TSK4BPE-?UVT[1DYG"+AH6UZ]=M*O\3&#K
M!!LAFE1LATDM^FUJ3)*.RW^#D1Y4V=QN3+>D/LLK;\;_`,E[&UT*I444Z]RN
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MZLSGT.A+7HUX.VO]MGXY1G)3BI)J2Y>K4D\/)=__`,;L;>?]A5E:=%L4+VG>
M@N;D#LLB4>KUU8@9E7\@2.D!"3KX^&+ET*LQ8DB.PAMM]7%NKYUQQ2NZ']UW
MDM50FXRT\_$XX4H9LE;G*\M\Y-IOT]/1&Y_;=/.PY04EM8^5/RI8@J\8?A+A
M%)I>OKZE%97_`%Z8)E=YH%\0:VW2IF.,SX^&`-JW#1M9J&(-D0S]:>?S>N7$
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MA9<JU-1>?584Y>/1Y\^B-N>G1/<AO23_`'-=<X1>7CC-Q<ECT>7"/GU6/U//
M,L=HF0NZ0]1ATL>YK&HV78KKV64GD^3[W;H8:";(Q>3WW^#8DB,!C<1%8^R.
MUU'>I3SJE?6[>]L[RJ6PTU33&J&$EB$6VEX]7]S\OR-73HTW:Z$U\ULK)>6\
MREA-^?3T7A>"KG_3K"))HD?=KI?I,M[.@?;^:[RT'TMN;G6J4$SX384L\G<:
M;$LUBO165"T\Y`<<1UQ375J4KNVN][%5JI2CPCJ/67VK_HRFYN/IZ\I/[O7V
MR:KZ;0<W8XOD]I;#^Y_]6,5!/U].*7V^GO@M'N.T3NTH]@.CI?\`LU&7.8ZD
MM^TG_@<HCML:NJQWZ7Y_U?9?;`REW\KXOR.(_P"O[OL_QYJ?OMG]A_;,K]I\
MWRXPL\^/#.?7''V]/<VOV6O^]_N&'^Z^+X\Y>.'+EC'IZ^_J>0W%L_%[3:_8
M%D;,D:E<,]J.5D#L\J0FL#Z%2SEGLHJOUX5(?6-`1IE@MTN7/5&;;<(/)8Z^
MI?(['$)[^S/0AUC:6G"V5B2269S48N4GZO$8I+/]*SCU9(Z6O#=GV"3_`'4Z
MXP;;;Q&+DTDO1>9-O'J\9]$0W;_6#+]^-T*V7%=V!7;,(6A#J%>\WOUKS>ZU
MJ!J57Y4[K#'V2H$Q9)$8K!8BO\3U?>,SQ\22C[78[:N;'7]ON=;7931\<M>Y
MP<X3A&<).N7*#<9)KP\K]5*2?AL\=[J]7?LKNNYQOJY\)0E*$DIQXR2<6GY6
M'_%)^J*3$_UQ^NS(V_-7&9KNNVC3)61*M^E:[KMTO&C2@V$Z./UK+*>*LDP@
MQ_&J76M`'_LE#1K,2/.D/O+E\?4XKOF_/\I[1SK="HHIJ5G&%=<803N@Z[).
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M$8`V:G0.FRZA;`69%C-O*4F-R6],0B0^\\ZVVI/5V/R;L;]>>G7'7IU+)PG*
M%54(1<X/,9/"SG/ZXQX22R<ZCH-*FZ.S.5]NQ",HJ5ELYM1DL./EXQA_3.?+
M;+65ZF8FO!\B];5`"O<GPZ1ALK.PW\E.<(C'O72PU.T96J:>Y-_;E^!S%*'K
MD<DNN<G):4A_[TN+YW3_`+UV']QO[7E'][L*U3?%8?SQE&S"QA94Y8QZ>QL_
MVG1_84];Q?[2AU."R\KX7&5>7ZO#BLY]?<I_3_ZX?6W5[?I5E._[7!`=P>1-
MWG**)L6@4?'-Q+H"0ZTLYI>=UPU!#%RY``-B0R3L?\3AJ-$9:)<EH3]O=[4_
M*>UTZ*JJ_AE9KK%-DZH3MJ67+%<Y)M)-MQSGBVW'B:FS^.]=M6V63^6,+GFV
M$;)QKL>$LS@FDVTDGC')+[LG7>99W5\BS?/\HH\21`I>94JK9]48,N=*)RX5
M8IH.#70,222G.O32$B.+'-(6^\M;KJN=4KO5=[WSB;>U=O;5N[L-/8NLE.32
M23E)N3\+PO+]$=;5UZM/6KU*$U15",(K.<1BDEY?E^%ZG+%8_K[P"J.2HL&1
MJ4VIM[_7O9FIYR8U*VD\]S76:_?;)I_2F;UJ1-ZS50IV^VV<2(BVUK@2G7>(
M^)+2$M\[%OY-V5R3DJ5=^VE1*:KBIV5RA&O$Y8^YJ$5&,O5?7)RZ_P`?Z^KQ
M'Y74MB-T8.<G"%D9RGF$<_:G*3<EZ/Z%W7#URQ_0-%GZA=:FQ9[&6Q"Y^NAF
M&9DRIU8-9#H)X)8[?5#%6?=6#(M&2%?CI<==94[^/][7%?&XM/>?1VF]K:JU
M->?"J.Q&]->)*V"<8R4O584GXSC/GU1NW=;I[&R]J^'*QT2I:?F+KFTY1<?1
MY:7\O!5.$>DF<>NY\(3HVF>RI:MU`'*K5#R^_P#L/IU]RVC`)$=N#&%@J?8S
MDR/.8"C64Q1JBKA%P;'Y]D937/-SL>_VNSJE#8JU(VSERG9"FN%DWZY<HI8R
M_,N/'D_7)K:/3:^A8ITV[+KBL1A*V<H16,846_1+PLYQ[8+SU+&:#L:LW7?!
MLPBK)]4JFS4K\,J0%_@7ZE-%&:^2E<'OL?LH<9LR_P`7%?\`OCN_=S[T]^WG
MTY^GO[.A\O[9I?-3*J>4GF$\<DL^C\+RO*-S:TM?<^+]PF_AMC9'RUB<<X?C
MU]7X?@Y@TC^N+UQU&WZO8S[^O"Z[O:G)>[Y'3MGT*G8SL9MZK0:4_8[YGM?-
MP1<XU/K`B##GKCJBLE68+')[<KB._7KZOY3VFI1356J)6ZWBFR54)6U+DY<8
M3DFTE)MK.7%M\6CF['X]U^S=;;-W1A?YLA&R<:['A1Y2BFDWA)/&.6%R3-E=
M/Z^\'M$C,3=>*:]D%^R;*P6'UC4L5UJX9SHA#(JVS'0'S^['!4Y<;0*^/DQ^
M2XZ#4:<Y#FK=D1ELNO/*7A1^2]C2KH6JB_6NN=LJ[:XS@K)>LX)K[)/T?%K*
MPGE)&5W0:-GQ2K=U-U52KC.NR4)NN/I&37]27K]R>'Y6&2TCZ:YE/T;$-<1;
M=I':7AM*AYM`N8[7;@V<TS/H9</8>U#;94F;*_VF)F6((W/?41XJ2[)=?[UW
M[9#R5^,>]VXZNQI.&N]38L=C@ZXXKFTX\JEC_;:B\+CX22\>$>LNGUGL4[?.
MY;-$%!25DLS@FI<;'_K3:R\^6V_J67O^!T#V4S:9E^C\L3`9T_4;>(-TVREJ
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MQV]:;H^2Z1G>E7&FZUG-KV2U66X::]6M!$E&S7`MT)VV:V0$R^RA,J+UIER,
MI,>/\>_5^3=I7LV[$G79&^NN%D)UQE7.-48QKY0:QF*BN,EB2>6GY>=.SH.N
MGKUT15D'5.<X3A.4;(2LDY3XS3SB3D\Q>8M837A'0^.9*+Q>G)IPNX:??$K*
MD#4VT:]HEFTZZ$2!)377^R;%:)LN3'@,(80B/"BICP8K:?M991SO?KR][=GO
MW_/.%-?A)1JA&N*2_P#3%+S]6\M^[.AIZD=.GX8SMGYRY63<Y-_QE_V+"7T+
M5\TS:'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'_C_`#WP!X`\`>`/
M`'@#P!X`\`>`/`'@#P!_Y_\`T_\`L_\`/@#P!X`\`>`/`,>1,B1.Q^2I4>-V
M7(1#B\D/ML]DRW$K6W%C\<4GKTAQ#2NI0GZJ[Q/>\Y_COE492SQ3>%E_P(VE
MC+2RS(\A1X`\`>`/`'U^G_G_`.]X`_\`'^>^`/`'@#_]/_U_XYX`\`>`/`'@
M&CL%GK53@MD[580=:&O38@YHA8"T`-!=(3W/A@P&Y9&1&87-FO?\&FN*ZMQ7
M^$\[WSTKJMNEPIC*<\9PDV\+U>%[(PLLKJCRME&,<XRVDO\`B;SSS,S'_,B?
ME_@?E1_SN1^3.POG:_+_`!.N]9Y*_&^[YOQ^O<^S[_M^W[O\?7Z^7C+CRP^.
M<9]LDY+/'*Y8S@R/(4>`8[4N(^_)BLRH[TF%UI,R.T\VX_$4^WQYA,EE"NN,
M=>9[Q:.+YS[D]^O/\>5QDDFT\/T_4B:;:365ZF1Y"CP!]>?_`*__`!_]WP!X
M`\`>`/`'@#P!X`\`?_W_`/'@&/*EQ8,9^9-DQX<2,VIZ3*E/-QXT=E'/N6Z^
M^\I#33:.?YZI7><YSRJ+D^,4W)D;45RD\)&1SOU_SS_/._YYWGD*/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`U%@/AJJ!-VBQ$(PBOUL02/G2TQ?41!@
M8/">(DR$I?.*ZB-"A1UN+[]._1*>^9U5V761IJ3E;.222]6V\)+^+,++(55R
MML:5<4VW]$EEO^2/E0U_8[L@S(*G[A7GU)14?2"X2:H8;O[FR1R&^TW'KZ7&
M"Z9O5]PI&?1P`ZCS(AR$5)#H%N(G0X61V4]%6XP_&;^Q?XMHSWI]'K[O/\@@
MI+A\6*96P3<J86\^3FFG&+E7&$I+"?E-_+__`"+;AIQ[>_5X=)+B^?R9MC7)
MI1LE7PQQ\J32L<E%YQX9)CWO/[(GKO[95G!?3P1HP7TYO,FHWVR7/>V<Y_V1
M(8RZD:P@!D`Z+EUR_9W;M>N2$OL&'Q`J,]V*C]@[V2[^'Y5?CW55Z^E;V.]*
MJS>KY0C&GGP_W)5\K&[(XARCX<5*3^[[5A<O2SN^QG=M5Z.I&RO4GB4G;QY?
M9&>()0E]^'Y4N*\Q^Y\O&[D>_%KU:S8?0O3S%1FNV[7_`%DIWMZ:):SHTG&:
M)EV,:.ZF#F[=H,!*+JM@):!>C$8A'B"80M;;#8F6_(DMH0WQWS7XW3I5;&SW
ME\J**-N>LE7!6SLMK\SXISK2A!.+<G+SR22SZ9_W^S;LIHZBE6WVZT-A_)-U
MQA7/Q#DU";<I--<4O9O."O*O_9]:;/2YXIOU8L0_VAG>X5V]+*+ZZ/Z?7Y,>
MP:%FV?"=+O\`?CFH1Z]P77,?JM/=GE7BS0TA*?&QXRF8BY4YN&WM7?B---ZG
M^\B^H6C':G?\;^V$YNN$%7RS*R4L147**4F\R2BV]>K\FLMJ<%K-=F]N6O&K
MFO,X04YR<^*Q"*;;DHO*2:3Y8,'</<\B$S+V_P`1]T/6`2-MU%]0M$]AVJ%0
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M:T;)T0KDY3MX1Q.+<5XA-\GAI>,83;:\)QL7_9`:U>I>J$'USP25==S]J*QI
MUQ_UKI%_C9U5\1K.%'H%&VHQJM^"5C09;C54TXK%K@YH0'GNFIS_`!QOX8Z'
M'$>L_P`6AIW;DNTV57U^G.N/.$.<K971<ZE7!R@ONK3G+E)<4L/+P>4/R.6W
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M<?;2WUZE8Q>6]<BVW5Z\4T0$2L.,/;;D46C"QM)8UN%`;CQVQ-BL$D,4G1(<
M]M"W7'&/?8_&=.*VM72V_F[32A*5L/CXUR4&HV_%9S;G\;>7RA!2BI2BWA9\
M*?R#9?[;8V];XNNVYQC7+GRFG--U_)7Q2CSQA<9R<9-*7KXVGKU[C>SGM!CC
MF^Y9ZY8>_FMSJ)2P9)'(>UTSE\X5AF8,*-5ME"B,$.U[,[/P.Y+D$H,4F=D@
MR,7@V4WUU3CS.'9]%U/4;W]MW-K8_=US4;,:ZX8PWRJ;N4K(YPHMQ@IQ?-/&
M$\^O[CL^TU/W^MK4_M9PS#-_WYRO%B534'C+:4I.+7%^N5S)Z_\`]@OL[3O2
M+T,NVLX,QM.S^V!R@Y/G*ZOL@_\`8Z(;L^'7+3H&F:'*EY;7`F;QII6EO-F8
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MEO\`[%?V*5'=O1&H1,)Q2OJTG6]7`VVJ@?:8O-K&F_QW!=DM$"O$3Y;UCBG*
M[7Q40#&L3,IJ(N2^5A-CW&.,K[*[M]9U?XO?UW8WRV;Y_%16XR>NE*OE=5%R
M25^)2>7!K.%%N2>?!J]AV/Y%3OZ%,:*8_+=8I15[XSQ59)1;=.4EA3SC+DE'
M&/)W3FOM`QH@CVT*II<@1_\`%?8K_DDIA9UJ;_-GJ'EM`TMT[&=2+C?HFB2;
MUR$F.M,I378O7>K5QSB$?.[?4/5GI0^12_>40L],<.=DZ\>OG'#.?'KCV.YJ
M]HMF&Y+AC]I=.OU_JXPA//IXSRQCSZ9.2Z__`&-:EJ=Q]:,UPSU:9N-V]B/3
M7(_=29+MNR1:91<MSZ_FH(NR@[/88^?V(J8/`>DXS0I$$<M1J4ZO[VX,=AZ2
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M>K\S%(*,TR>^LZ:`VQ_V:**J?KTSEUT/U?.)K4V]Z(Q)`3&"PF"H1*B./K4]
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M$(,:/J3N1TRM`.P2$F;:#5GATG0RK[423&8CIB11;KKJY/%=6VVVM7G#Z^G2
MON<-^VRJI1RN%?R2D\K$5%S@O3+RY+T]\G7W;=NFI2TZX66Y\\Y_'&*P_N<N
M,W]%A1]_T/GA,_M!/!LME&9OKIRT[37_`'0H_I%9,JS+8J[;*R0T#2ZH#M]"
MN5"U.=6P(T]2#H:WAWI"B,`/)%)>F)E(2N"KCWTZ_$:Y[BKCM<-"6A/;C995
M*,E"N3C.,ZU)M33C+'%R4L1Q_5X^>?Y/..LY/7Y;L=R.LX0L3BYSBI1E"?%)
MQ:E'U4<9><8)X[_8+8,9)>PU=]S<>#8X<PCUO=]L8L_)])E[54M!R*"3-5T\
M/!$S-!RDW`T>O6H9''N"Y([D>6HG$=CRE)6XEK67XS7OPUK>BOE?7L;7[?%E
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M4:TG+*7GTR_&7E8QY/HNX[275:]=T*G=.RZ%:BI*+<IY4<-^/7"\X]<Y\%`,
M>X_M=9+A8,=SKU,S*W;=C5)K%M]E14WV<D5K+Z-8K_PV8SO'\WT*7B4PSH^C
MV6C"F3$MV8!`A`S,^(F1,5V0CZ=)]'T]5$-[:W;8:&Q9*-#5'*R:AA3LG#Y4
MH0C-N*Q.<Y.,L1\&A_>.SLOGI:VK7/<HA&5R=W&$7/+A"$OC;E.4$I/,8QCR
M2<GDB%<_LSLVX6_"L^]5O71_1K)O7K))]E8!33-):RRI9>,K^B+S*\5'5IPF
MF:(7@GZQ;D\&-H$0RJYQ+CB$(;BLO34>]OXG5U].QL]QM*JK6V_@:KA\DK'*
M'R0E6G*":E'[ON<<1_5J)X4_DUF_;11U>O\`)9?K?,G.?!02FX2C/$9O,9+C
M]JEF7MA-FTB_V5F'Z6W5>^NAQ7N6Y[/%/4!/K`Q?P[@=6L!J`ULD^X]V!P&U
M&;PAC#)+5O58E`_SN0'41.#%$.\C=PE^*05_S?NH_P!B_:+9_<<'GXW/XE'X
M\_\`6^7_`&^'/&?//CY/1?DDG5\7[>7]X_<O7^'DL?(H?(Y<\?\`3^-\^?'.
M/'')@:-_93<?7`=MU?\`:7UWB4K6,NQH?N]'%YMK+%[RG9,^FZ%6<H+$A>G6
MBCYS.H*LUO=U#HMW381MD,&(-%6W)<;Y$M9:OXI1VDM>WJ-IV:5U[IF[*^%E
M4U"5B3KC.:GSA"7Q\9_=*+@TGC..S^26]<KJNSU^&Y72K8J$^<+(.<:VU-QA
MQX2E'Y.4?MB^7E$PT?9+M_`\+.^U/KQE,W^5>W_JY6<G5CGL19-$K$<Y>K="
M;J.JK/2\JR^3(<H1EY$C@S\>7!+-_17S\0K[>>&IHT?N-BOI]JY<-'8E9\M$
M82Q"+Y5X^2S^M>.64X_0]-K<N^#7L[37J?/<HC#X[7..92^V>>$/Z7AXPU+Z
MG)LKV;]AYU3_`+?%^V^"4>Z>O^%C;2@CGM>]AB,^9#"P_4W';R]C-=DC\9I9
M!X#H,&RS2\NQ.S69HHD4=AMQ9#<=M_O:CU/61NZ/^R[-E?9[#CB<J4DW^YMA
M\LLVR7*'%14$FI1BI-IMHY,NS["5/</MJ(3Z^A2S!6M^/V]<W6L5Q>)<G)SR
MFG)I)XR=JG_;;:+/KVAX;ZE^NE6UF9@5<H3^RV_4=HE8W2`-NOU3B7:K8]2Y
M@O,M4-7"^\HQ""3(OOQ!XD7'(PTNR7'GUML\"OI="G2J[#NMJ=,=F4_BC74K
M9N,).$K9)V5J,.:<8I-RDXRPL++[D^VV[=NS2ZG7C=+7C'Y)3L=<5*4>4:XM
M0FY2XM-^%%)K+RRKD?V;&[LUZO5S%/6JPV_7/9,W[(YZ5SJ]:`&SU&!:WZL$
M!`?6JOKU@@@KK'37JZ5<(M=*"69[LS\>'^%$D_L6OBW/_B5>O^\MW]N,-+4C
M1-3A!S^:O83=<JXMP^Z2X_;+"69<I+B\ZG_R:=W[6K2UI3V]F5T'"4U#XIT-
M*R,WB7A//E9;PL)\EC3W_P!Q1ULRS5:C[.>M<2+I?KY[?^G.3WO,*[K,X]2I
M9K7];P\WB&ST72H=7J!<W7!$FZ03*QDX0/E=FAI`Z2W\:N.N>FKT4Z=RF_J=
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MK:5+QB@9SDVMKF,9(/+E0E`U>Q%=$T.0&)JCBXXM,>'%&//R)2>=90[X1_':
M-/7NVN]V)455[<]>,:X*V<[*\?(TG.M*$,QS)RRW))+UQZOO;=JZK7Z>E766
M:T+VYS=<85V9^/+4)MSEA_:EX2RV7%Z7>TYOVOI&HV&T9`6PZV9'O>D^OUMH
M9FUBKG*8L^8?I8QPG'.A8`\9+$D)Y1?8+C7'$R(26I'W)^;XV]'ONGKZ;8IJ
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MB"P6!C;/:K?F9''[H'JVE84Q;"`X9$_*).394Z:GDH:IO[W/H-+1KZ+I.WHV
M-F_7[6J^FJQUPSA<KG&,9JR+E"WC&4GB.$H_;+/CA[>Y/N.XZRZBBJ[KK*;[
M(*<\9?&I.4H<))3KY.*699S+S'W[F_M=V3V#PCTQTC0_72`';M8QZKQREPGW
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MSE_1-EX#_P"QTR<SJDC`&!R9_MO=_8S4/5./ZZNZ.,C58)J>*QSAW4K4:V3^
M..LHQBL4('P^DRR"=)3(\^#$;&?G2?@1SY?BT*]JR=FRETM>K7L?/P?)UVX5
M<55R_P"K*;X<7/BFI2<^*R;T?R.5E$(5T9[6>S.CXN:XJ=:;G)V8_P"G&*Y<
MN.7F*4<LZ+]9_9>RZ_<=MQG6,U'Y-O'KZ2I'+Q6*Y=NZ/1;!4-."3C>>:%0;
ML_6:43*5^P_HRD)Z//#CIT`D*DLK;6WQE][E]MU-6C1K[^E:[NNV5/A*4.$U
M*MI3A.'*:4HYBTU*2<9)I^J70ZWL[-R^_2VJU5O:[CRBI<XN,TW"<9<8MIXD
ML.*:<6OHS@ZIZ;["5O\`L*_LJJ?KK@57UTXV_P"J-RM)K1]:<QRC#8;OKT/%
M@:F(.#,_TXV>OE@D!Y;G&>C(PP?$;0[*FH4^RTOZ._4ZRW\8ZF[M-F=%>-B,
M5"OY9M_,VY-.=:4(Y7GDY-^%%X;7!HV=^K\A[.KKZ(73S1*3G9\<5_LI**:A
M-N4L/V227EK*SU1A7O\`UO>37JN'!YK9*T_[&TKV<+V(?9RPZ.?QS0/5*YT3
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M8)G?!)<-&JTP5-1Y`Z$M:V%/]U-7\;TY1U:.PVW1V.]&,JH*ISA&,Y.-;NGS
MBX*QK*XQFXQ:E+UP;6QW^S%[-VEK*[1TY2C9)V<92E!*5BJAQ?-P3P^4H*4D
MXQ],F_SSWCOGL!N=RH/K=EF6W?,<NDXNY>[M>]ZE9_HA>L;/G%'UD7?<UR(;
ME5VEG*2/I-]B]C$"Q0(P9*Q9D&,I/8KCWGGM?CVMUG7PV>UNNKV[E;PA"GG!
M2JG.MPLL=D$IN<'E1C)QBXR?K@]-?O-CL-V='6U53U:G7RE.WA)QLA"Q2A!0
MEF*C-8<I1Y23BO3)(?5;VZUCVJL)JU5?&\U"^NPO1];S!ZT3-VE3MX`G,IL]
MCIJY%ZPZ)E?Z2HO64_7.J:%OVOI2$.EL27VON5UCGEW'2:73UQINOMEVCJKL
MXJG%+5D8R^RUV9EQ4OZE7Q<DTG[GKU?;;7:3=M5-<>O5ED,NQ_*G"4HYE7PQ
M'+CZ.>4FF_H27VM]M+=Z_P"C^M>09YB$W;-$]H;%I%2I4%N[0J*#KA;/:1V]
M23%S-3`-@6/IK8>/)=GS(\>3+BML<3'B39#K4=7CTW2T=EJ[>]M;"U]74C"4
MGP<W)3EPQ%)K,LX23:3SYE%)L].T[6W0V=;3UZ?FV-F4U%<E%)PBI9;:?VXR
MVUEI)X3>$<Y7?^S2S8=0O:=?L#ZZ2*YMOJE$PFW'LTSC1DW^M:QE'L!H<?.Z
M=H.0W8E2J>6*2&#L(Q"E""0,?):*BTQ^N?#+9E<ZNO\`B578[.FNMVE+K]QW
M15DX<)5V4PYRA9!3DEX<6I1G)<99QF+1S=C\FLT:-I[^NX[NJJI.$)\E.%L^
M$95R<8M^5).+BGR6,^<DQ_\`F5[3S]`KOKP&]2J"KV=*TLML]PJ)3V/=;RC&
ML,DV9^IYV:T?4P^.F24[3M#/C2,.+7`($I%:4(FR.DU166W7O#^Q=/'6EV=F
M[9_:%8JHR5'^Y;:H\IJ%;M25<(N+<YSB_NBN&7A>[[CLI;$>NKU8?W-U_)*+
MM^RNMOC%SFJWF<I*248Q:^UOE@_F<_V-/V#4,VQK3<-*9/H1;?;QZN;)`FWL
M58A65;./QGF^X\D(5AA('-"SKV#S&+,EU\UUH0^U*91#D0D2E.-LMK\75>G;
MOZFPKM:.M#8J:@XNRIV_#;E-OA.FQI3C]RP^2ECUE'Y%SVZM+9H=5\KY46?>
MFJ[%7\M>/"Y0M@FX2^UY6''+,>T^UF>:/[(9Y1RF*NVD?F'ODGUMS#5NWN5`
M8@;-$]-=5U?3;D/K,$8RV2'4,),DTMZ-+D/M2"<^6\GXECTI7E3TVSJ]5;L0
MV.$KNM^>ROAG-3VJZZXN3?AS:5J:2:BDO*D86]MK[/95T3HYQJW_`(86<L8L
M_;V63DHI>5%-UM-O,FWXXG#OO%[L['OO]:_MSL%4]7XZ_3V]9OK.?TG4>:TQ
M(V,U7?V93.QFXRL051&`\#(BECC_`)">?RIT^V!4DFJ!]G>L)^@_'N@T>M_*
M]+1OVW_?*[:YSK^/_:4L*;J^7GEV*/C_`*?#G]G+W.+WO=[>_P#C.WN4ZV>H
MLJLC&?/_`'&O,%9\?#'#E_Z^7'[N.#O^^^YFU\OFW4KUH]9A>Y@?56`$'[;9
MK-LL7*I)?09M'$:/,R#%`_*)=F+O?`=#L`R9,=+S*Z':F$X\+DM3OY"XWS6O
MT6A^VU]CMMMZ]FXVZHQJ^3$%-P5EKYPX0<XR245.6(N6,8S]!?W.Y\]]/6ZR
MOAJI*QNSAF;BI_'6N,N4E%Q;RXQRTLYSB,T'^P^V^R&G1J=ZD9#0+]5X&,X!
MNY\WL6WR,:MYJB^PP!RV5J1FM`$9AI\^RLUP`W\16?/DBAS1OBQB'5/,/N-^
MNS^,4]5J._NK[*[G?=2E55\L5.F7&7R3=E:CR?\`2DI2<?OQAH\M;\AM[+85
M?4TPLJ5-5K=EGQR<;8\H\(J$^6%_4VXI2^WU3/J5Y\@?4#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`A6E40-J6=7[,K$J2BOZ+2K51#JX:^-2TAK<"GU\FJ*
MXI*DMR4PB"^H5WG><5]._3S8U-FS3VJMNK'RU61FL^F8M26?YH\-G7AM:UFK
M9GX[(2@_X233_P"#/C::]>_?K3/4.N?UL7O,<L!49JFTC`])]QQ.K1IPBT^O
M]+Z%"EK!3<2[7$W09LN@Y\#Y`<'3I#8,.6FO2FR,IAEIES[FOL_QS4[N7Y7K
MW72V?DG=#6=>'&Z66E*WEQ=4)O/)+G**2<4VV?'SZ[O-KIX_C6Q77'7^.-4]
MA334JHX3<:\<E9**QAOBFV^31WCA^%7Z@S_>Y\^P';9]@/8>QZ/FW(13\KKM
M4(^N>'YC!6;Y^,U^IG_R:@ST*9^KOVQTMN?=W[_M3\[V'8ZVS'KE4Y9UM6-=
MF5_J5]UCQ]5QG'SX\Y7L=S1T-C7>^[..-C8E.&'_`*735!9^CY0?CZ89Q3C?
MJ_[5^I;WK#I>7TW*]>T`/_7_`()ZB>Q>(&]77G,MDO@W9Q.E:7FU_73;:-,"
MQ1N[GQ9>),@P^28KT.3&=ZZRN,]W][M^G[I;>IMSNHUI=G=LT6JOGXNPI5SA
MRBTVH0E%IO#4DUAY7%T>K[3J?VNSKPJMV(]?5KW5.?#S5EQG"?&2:3E*,DTL
MK#7GP<U>L..^R.I#[M[=T!S*K]ON(?VF>TFFBZS&L9<%BNSY];\:J?KQL.9Y
M[I,D&0FQU5*8+D#0%HDC51)YJJ=5*CQX\QW\?J]OO]7IRKZ39^:OK=CI]>MR
MXIVU3C;*ZJR<$TON34IUJ65&SPVXK/-ZK2[':4^WH^*>_1VM\TLM5V1E7&FR
M$)X_TM.,)M8<H>5A^.B=U]6/;GW'B^SVJ:%G-)Q.RE_1;;?4'UKQ1_2QUY,2
MSVWS@%CONCZG>Z\(:J=>C$)]#KXL0.'J*]C169DJ2]QQ]IAKF==W/2=$]33U
MK;-BJ/8U;-]OQN"4:DXPA7"3Y-I3G*4GQRW%)83;Z/8=5VW<1V=N^N%-ST+=
M>FOFI/-K3E.<DN*RXQC%+EA9;?G!W%@^%W_/O:OVXUVQLAT4S9*?ZJA:0[!*
M?EDW9V1T>[@+EPJ/_&:_7--$#T?D57R.?D(ZI7T3]OT[\]V78ZVUTVEI5<OG
MHLV'/*PL6S@XX?OX3S]#MZ&CL:_;;FY;CX;H4*.'YS7&2EE>WEK'U.%,E]._
M9_UJ%>JFMT$)E]WV_'AWN=F.C8C8=(>J(S2<:]C/8V5MX0E0M%15[!%$7VBD
M0(*6XQ,&=@RXDV;%<D1W4,/*^BWN]ZCM9[FEL2NKZ^]ZMD+5#DZ[:*/B:G#D
MLPFG-94LIJ+2:;1PM+INSZR&KMT1JGO4K9A.MSXJ==UWRIQGAXE%J+>8X:;6
M5X98W]<I'5;C[6?V=Z/JD:C1BYG6_7JFNCLR/S;C1Z68HN``UELMBWJ:+!JN
MMKH,*S0$6*<W!A,H-RY,9MAM#'.>:OY3#3HZ;J-73=CA&FZ>;(J,Y*=SQ8X)
MOC&;C+@LM\$FV\FU^.RV;NU[/8V5!3=M47PERC%QJ68*6%EP4HJ;Q_6WC"\%
M^/\`JE8[ELW]ADVZ/1!>8>W6%XOCU?+AB")-EC,@,_V2E7R5)&K8:2/<@<T"
M.N#WKJ^/J^[O_#[?\\U=S51H=7'7R]S1V+;9)K[?NG5.'GWSP>?H;KZFV[=[
M&5^%J[E%=::?W>(61GX]L<UCZG%/J!Z/$<>+8?3-,_K!]24W/%FA,:;[B4JY
MT)J#83N<A'$T[6:?1I5`=TL->[<<%0GY<.5^,V&E2GWFB$I+#:7N_P!W^0QW
MJ]B_5[?=^"_.-:4)_:IO[JY3Y_&X13:36>223BLO'(ZGI'IV4U7]9J_-5C.P
MI0^YP7VS4>'/G*23><8;;3>,%IXOZ[[L8]UQ7LESUEIGI!6)>=Z<$]DQM/V0
M%H'/:^[6Y-?1GY4K3*("!U+LO-)\`@0Y;RS46SS4S>0>L<CK=ZC2W^SZZOH9
M=7^[L["Y6UNARJ</V\(YYI2FW+_<34?CBW6L<LYP;>GH=A9W$>P>O#2J^.:N
M4;%/YY2QQ;C%)?8TWS>)O.,8(IZ^^K?M4-S'^MS+M)R^ITEWT'W`>Q9;+`T\
M3:A>HYQ7_67>,AAZ+3H,$5%*"5EK#=1"OTY-#$UEN0_WO>I8XIWW[+N.GEM]
MKN:MT[%V6N^,76XNN<KZ;.$FVT\1A+[HY3POKXU]#JNTAJ]9J[%<(/0N7)J:
MDIP5-M?**QE9<H_:\/R_H=`76B>TV(>W^T;OA6+T_P!@*7[+Y7B=4,CBNN#L
MG-Y9HN(2M('CRAE1JO'6+#F]KKNA,K>=&)D&!\L:[Q$&2B0CJ.9K[/3]ATFO
MUW8WSUK]2ZV2:K=BLA;P;2Q)<9QE!X4L1:DON6#H7:_::7;W[^C3#8JV:JXM
M.Q5N$ZN:3>8O,)*?G&9)K^EG*>)^EWN3ZP5?U2VRL`\MUCV"QD=[A9AOF2L7
M-ZD5G6,K]E_9<IO,&P9/>"H<I!JUQJ-C%BI\6`8CMQ9D";,@ORX[[;3_`'L]
MAW_1]O=NZ%LKJ>LO>M939QYRKLHH5+5D$TY1E%RBW%Y32DHM-HY6ATO;]73J
M[M<:K>QI6Q"V'+C&<+KG:G"33491:BTI+RFXMIK+Z3W"O>VFGO\`IO['"?6<
M5!TCUSWO1;59_7:=N=+_`'9F@W?$]4QR&;$Z4R*71$'Q\RZPR;PQQSXU1$.M
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M_)"698\>F/1_\#1Y/Z<[73]#]9[(:B59`O+/>G^Q#?[:J+8OR'V\Z]E&?9%&
M7OCF?P&_SC4A6GB?SXGU1^%]SO\`S<^+_EZ;G>Z%^KMTUN?.[KM*F/V_ZZ/@
M^3/GPO\`;EA^_CTR>>ITV]3L:MLU#C5O[=LO/^B[YN&/'E_?'*]O/T,;V4](
MM2V#1/=6Y"K/2:%_L>K>@EK]?KE99DB>)'[5Z<:II6LP&=!"PVV)D.E$K(4#
M0)+C#CTAV%,DJ91\K*$KRZK\@T]'5T*)PLL^*>Y&Z,5ANK:KKK?!OPYJ*DUG
M"32SX9.RZ/:W-K=OC.%:MCJ2JD_*5FO9.Q<U_P`K;BGZMIO'E%9&[C[0:5_9
M?_7B.VS,\NR+^!U/VUNLG-L_U:5M-HE#Y&4BJ-/UJS'4TBB0Z?G35ELX\&#C
MNQ7)I.:1?<>ZQV,EGS;KHZC4_$^TGH6W7_)/6A\DZ_BCGY'-5Q7.;E/C&4YO
M.(J*QG.37LN[+9_)NNCN55U?'&^7"$_D>/C47.3XQXPS*,8+U;;SZ(Z(_L$]
M<M(VJ^>L%V%8Y5_:G',B,Z;,U'U2N5[&T@#?;%;`("!F>F.Q;3#EYY>I.3RQ
MA-M`:P?9%ZDXJ8QWLJ(TE7+_`!KM-30UMO7G?/3WKXUJO8C!SE",7)V5_:U.
M'R)Q^Z'G[.+\-G2[_KMG=V-:Z%4=K3J<^=$I**FY*/"?W)QE\>)?;+Q]V5Y1
MRQE/H#O]<E$BC^6X-D(PW_:%@WN`-R[(C,.'2,^Q:D893:&9KPYL?4:P/GW4
M2:!.\F?CCX<8G-6]*9^UMQ'U[.[^2];;%05VS?./47:SLL3<YVSME--YE)J+
M3\9;<5A/RCD:OX_OUMR^*BF+[2K8X5M<8UQJC%I8C%<DUYPDI/+7AG27N+Z,
M7/VLU?:DK+BJOGFK_P!>M[]91]M5)[-,5S5S>L"[W5C+U:2TVHA7Q'ZQF4_W
MDA'7NM=8YSGW_?SE=%^14=-I:_VRGM4]G"]Q]%*M5N$ER]I/+2\>/4Z7<]%=
MVVW?EJ.M;UTJ5+U:L=BG%\?=+&7Y_0@5QI?]AWLE>O2E&H81D..5;UK]D*1L
M&VGQVV1[ZYJDVN9_H=-[/R`3`JHV8$I\8G:NDEM'^Q"[OR1XR&/HU(>5[T;'
MXSU6OOO3V;K[MO5G55%U</C4IPEBQN33EB/',,Q\-Y\I'G=1WW97::V]>JJO
M6V(63DK5+FXQE',%Q_I^YO$G&67'Z//9WM]C%WV>'ZWL4=D2\YF'M[@>SVK]
ML1_7);I&=GIQ&R/#^_CR/S2S<:0GK$;_`(?,K_'WI^GG"Z3?U]"6T]CE_O:-
MU4<+/WS24<_1?5G6[C2OW8ZRHQ_M;E5DLO'VP;<L?5_1'`?L-Z(3V?<':?8W
M_P"$V%^]E)]B*WF#DX'?[+2Z5IN,Z+E]5_@3J@T_00)&MV',;W5(`MYY#$R.
M1&E(3Z^1I3<GG6OI>K_(T^DHZO\`N&QUU^K*S#A&<X6PLES\J$E*-D).264X
MRBUY31P>QZ'_`/JUW8_LJ-^K84,J<HQE7.$>'CFFG"45%OSE->C(<V$V+!/?
MC%H7K;ZR9/`B53^M=<2_>J=,O@:DAZ['M/L;TS*:R2^2JJ#ILZ?3;FJ3\Z2$
M$1%,Q)TA]*V)"&FW/9V:/8_C=\NUV[FY]K]FQ*#FY<:,+Y(<G)*4,8PY.+27
ME99Y*&UH]_2NOU:E*/6_=3&:C&*E<V^$N*BVI_514DY/UP2R)Z5>UL0[']VF
M`N6I]P4^Y%E]H).!/W>?W/7LALGKB*]3W_7W_;3=96AO1(V4`(9E%DX'Z*_E
M*%1^M='J_)YXR[_IY5/\?<KO['^QCK_-P7/Y(WO9^;X^7]'R2<?CY<OC\YY>
M#UCTG9JW^]I5?W;]Y*_XN3X?'*E4?%SQ_7P2ESX\>?C&/);/<Z]M-&VVR>XF
MF>M=&B3<W]>K/Z]X=ZDS-FK!HU?XNO7^A63;[GINDLUB?G`)J57J$-@`@3:2
M;$E$>5V=*C]EMICZ7[KI=7KX]'J;=CC;M1NMV55)*'Q0G&J-<.2F_NG)SG]K
M68\4^+SM_MNUV-Z7<;.M!2KUY55T?)%N2LG!V2G/BX+Q!*,?N3P\M9\<ZYIZ
M'>PL624)`,FI?K9CLWWD],M]S[U+&ZLU<J_CU9Q2Q3B^]7@"X%&\HE0):L_*
MAOL5*N=4)8<%<D<<1)FR$IZFU^1]6TH676;6\NOVJ9[+KXNV5L4J8/+YR5?E
M.R?W/EC#44<ZGH^R<G.%4-?4>]K6QHY\E7&J3=LDTN*=F4U"/A<?7++6V[UD
M]H;+_P#G5\@J>958U1O>*B&[1EFNOZ8)$,`;T]ZKY[A#.;72D2A;E@AKEV6@
M?EM%XBI4%,&9SKG$.M];5I]?V_45?V;>NMG'8Z^Q1LK^-O,/W$[N<9YP\1GC
MB\/*\>'DVM[J^SM7;:E-<)4[T&ZY\TL2^"%7"4<9_JAGDLK#_3!9[6<^V7JS
MO?L%H^'8O4O9/-?::9G6BF*HYK@?(+EE&VTK+*GD%A7*G6D`8"VK,;S6J&%E
MID1'>%A)!B6E,&6T^UUO3>UTW<=;K:O87SU=O34X*7QNV-E4[)6Q\1:<;(2G
M)8?VR37W1:>=I:W:]7O[&SI4PV=?:<)N/R*N4+(UQK?EIJ4)*$7E?=%I_:TT
M0[UW]&MLRG6/5C4KT5I%AM0VU^_FT>S)&K$)\6O#=4]PK#1K6+K6:CBL!DJ9
MI]4X%<$-RY7(LAYB`W*<:0N1UIO8[/\`(>OW-+<T]=61I<-.JA22<G7K1G%R
MFT\*4L\L+*R\)^,OPZ_HMW4W-7:N<)6*>W9<TVDI[#C)*"?EQCCCEX],X\X7
M\W7TPW#0+Q[<GJ[$JBQVR>S_`/6WJU(5-L?XCSM0]8+=CIG5G"K7Z]W]<2C0
MJ5/Z/8^KGYR^-\^YO[_KQUW?=?K:^E5:Y\J-3>KGB/\`JV(VJO'GRLR7)^WZ
MDW^EWMB_<LK4.-VUIV1R_P#31*MV9\>']KPO<Z.QWU]T:E5KWX%G6`B)?L/[
M#;!I.;<B%OR6WZO=,7S"C`W#B_Q6_P!1/6?JDSCK/T=^-GB%_=W[_ISE[_9Z
MNQ;ULZW+CJZM5=F5_JA;9-X\^5QDL/QY\'2T^OV:*NPA9QY;.Q9.'G_3*N$5
MGZ/,6<GY'ZV>U7J04PG1\EI>5;%;)7H1ZO\`JW[&8H?UMW,R`FY>MPHPU4-/
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MQ*7U4907I]SR_`T.AOZ^[K8PDITZFO?"R7HW.WXGE+Z.49/U\+'J=)^_^'WC
MV/\`3S=,:S3]*O0+;61K]/BV(@Z("$S]5M`&Y#@A(NS$GK$1CK]?Y#[+^!U,
M;K_'%(4E/>><G\;[#7ZKO-??V^7[:$WRXK+2E%Q;2\9QRSC/G&#I]_HW=ET]
M^EKX^><5QSX3<9*6&_;.,9]LD'RS.=OM7MZ']J=(S8?DXLOZ=)QLW0WKX#N]
MAK=]A;P:M[$)TE6X_P"C+#)E14Q+_+CN]2V\]UCJ>J1U7=G<VNOIZ.73ZMKN
MG'>^53X.$90=*CG$O*:EE8?LLGAJZV[;W*[78K54'I_&X\E)J2M<O5>&G'#S
M^N#@/5OZT]3M#Q;32>48ININC_V'>ROLD`]?]2/M-T;9<(WVBBJ,0#2;!)KQ
M<?2M3#/0(QD.Y,B28+4P=R/(<0W)Z\U])I_E>G2HZD+MC7A9UE%#NK7WU74S
M<TTN2<JWEQEAIM2REE8?!V?QK:M<MFRJF^4.PNN54W]ME5L5'#>&HS32E'*P
MG'SZGT3])L5KN6BM!-C?1_)_2<K:RH2#(`Y[8Z-:C]Y"5Z#*=%%KJ1H-=%A(
M+@DB<GLP8:9Q3XVG%N_(UUY32?E^_P"PMW)U5S["[L(0BWF<9Q4')K*BIR;>
M4DV\1]EAXR?0])I5:L+)PT:M*<VEB#C)R2SAR<$EX;>%F7JWXR4))I'NU@GN
M-[A[KEF&4'?\C]C8^#,U:I\V45EM]K=MRS*VZD2LI:79*V3`NTLW*>_$DM-N
MN%(?X#<B/&EID.--=);'0=ET6CUVYL6:V[J_-RE\3LA*-EG)17&2?)+RO'%Y
M:;6$WH_!W.AW&YO:M$+]79^+"^10DG"M1SYBUQ;RGY;\)I/+*NIWIS[2^M`G
MT^UZE5ZA^P.Q999/<RR>QV;B;DC-AUH*^\]\':]=Y^06RWCG1GPY;H`*#!@Q
MS"1_[8)\KJG(\K[&E;=_>]1VT][1V)6:VC=#5C1-QYN*U(.J"LC%Y_W(-MN.
M>,\+RO)J4=-V?61T]RA0V-NJ6S*V"EP4GM35DG"4EC[)))*6.4?HR153'_:X
M4CW6T';O47&_81/MYL&3FY/KA'U>HR``/(Z[@M8SN0%L!C2*>U3KO::V:I$-
M,UEUJ#"FO37GXCWQQ6DO^5V]TT_V&MH;M^M^RHL2O^.679*Z4\I0ERC&2F\-
M9:22DLMX]:M3M(/=V=O4JO>W;!NKY(X4(U*'ESCQ<H\8IIX3;<D\)(BGJUZ/
M>R6<77U$M%R'UVL4+'=[]Q]!#Y`C43&D.^N&);5DB:9DF(UJXFAS4F\-5NQ)
MDR74L];@!V2/X4);L.(QU7MV_P"0=5M:^[30Y3V;];5@[/C4/GMJLY66RBG]
MG*.$L^9./*6)29X];TG9T;.G?>HQHIV-B:KYN7PUV5\:ZU)K[L2RW[+.%X2+
M,C^G&VM?U3Y#ZB*B5;_<U+@>ML<W%Y8OK6$.9AOV;Z):^1+!^!_[E+5:K$M4
M?OP)^=_B&_\`C]WW<U7WO7O\RO[O,_V%COP^/W?[E,X1S'/_`#26?/A>38CT
MV\OQ2GI\0_>P5.?/V_9;"<O./^6+QX\LYWL7]>T_.]N]E2Q#^NWUK]Z*CONT
MVW=*/IMWNM$HE[HD[3>0)]VS'4XMYI=@D%*J#MR)LP,3"])O*&SN17H*'&.+
M=Z=7Y-':Z_5KCVFUUUVMKQIG7"$YPFJ\J-E?"2Q)QPI1GQ7)94O/C1M_'WK;
MNQ9_;]?>A?=*V,YRA&4'/S*$^46^*EEQ<>3P_*+;]I_6#8]=OV7U?%?43-<1
MLV)7#&86*>]-;V*O`#&4XY2CE1,W2GB\_JU8&:!8`9:J0"M69H\]3M4FM2T2
M9$AI//M;TNG[?1TM:Z[?W;=BK8A:[=254FK+9J2C)SE)PBU)QL=J_P!Q8PD_
M?<[/K=W:NKHTM6NB=,J_CV8V).%<7%RBH**DTXJ4%6_L><MF[%8!OE\]Z<G]
MBAWJY2/4!VE6"^?_`"'U^K;6#M9+VOS>53;-5Z9G!NAT:N!&+@OEIG"+"@W;
MFXY*N\$?C0/E^=SSSGV76ZWX]=UDMRS=5D8?#5*IQ6O/E&4IJ<Y/C]JE#C7F
M,^698P>D-'?O[JK?CK0U.$I?+9&Q2=T>+48N,4N7W-2Y68<<>,F7_8+/UT1[
MD?UC&\/KU8N5\"6_VO*<HMM/.U0;>:TS@2V;-5X-K;'E6:U990Z1V0+ER8[D
M+DZ,VU)ZVPZXZWC^-1TI]%VU>_*=>M*&NN<8\G"7S?;)QRN4<^))//%MK+21
M._ELP[GK)Z<(SV%*]J+EQ4E\:Y+.'A\<\?1<L9>,E7:WZ>>UGM`+]K]IOM&I
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M2^1>.>/LX_ZCE7]3W\/QZS\8U*JG6H2A"YV83K;;2<./)6<?L?\`IS]V?8F6
MG^@I&J>S/LGJC_H'Z\^]-.]D[97-6`F+M<:31]+R&^QL[J6?W"C6*3H-8,P#
M^6&I--C&1DP6\X0'29TYAP>^GK+O=?4_)(V]3JZ<>RVNNOU82K:A&<Z[8<Y3
MC.*A)-6)2<9*2Q)*+4EY1[[/0<.RV-J>AK[U.S-33E*,9URX1C*+YIIP;CR7
M'RFY+B_4D7M[ZI:_J]2HF+8-Z1Y#D5IR^OYP/]:?<"H[77*8YZESX[0:?8EU
M`'6:6%U%ROT6>W*BL5V"AP';8S;:)Z8K+[K3/ETG<Z.E?9O]EV%]]-LIN_6E
M5*7[E>5'DY2=>9K#<W]];SQRTF_7MNLW=JF&EH:55-M<8JG8C8H_`_#?%**G
MB+RE%?;-+SC.%]M64N(9:0Z[\SJ&T)=>^Q+?S.)3SBW?C3_Q;^17.]^WG^.?
M7Z>?`O&?'H?9KT\^IZ>0H\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#GW
M;?5'UL]D9("=N^)9SJA"JL3XE<)W&M0"A4-!*N1W2@T>46VDA'%DW8;2I$7C
MGX[ZFD]6A74\^G3Z_N>UZI2CUVQ;3&;3DHR:3:]&UZ96?#]4<_=ZKK>Q<7O4
MUVRCZ.23:SZI/UP_=>A;]0I]2SZL`Z30ZQ7Z73JP.CAZW5*J''U^N`!41'V1
M1H8**CQ!PV#'1_A#3+:$)_\`3GFC??=LVRV-B<K+YO,I2;E)M^[;RV_XFY33
M5KU1IHC&%,5A1BDDE]$EX1(_/(]!X!2NU>N.#^QPH*%W7):+J@^M3Y!6N-W(
M!"+/UXC+C_AS)H*<\CD\/(FQ.?$^J,ZWUYKGV+^Y/^/-_0[3L>KG*SKKK*93
M6)<6UR2]$UZ/'MGT-/=Z[1[&"KWJH6QB\KDLX_A[K^1,,WS#.<=IPC/<GHM3
MS>B@4/(#U*D@!E:KX_LI]R5,>CBQ,:+$Y*G3'EO2'NIZ[(?6IQQ2EJ4KOAM;
M>UO7RV=RR=NQ+UE-N4G]/+\^/1?1>$>NOK:^I2M?5A&NB/I&*22_DO\`C]2=
M>:Y[CP!X`\`>`/`'@#P!X`\`BUVH]-TJI6"A:%5J_=Z3;!D@-9JE:A,$[73X
MF6G[9(XL(),R(,^(]SG/JAQ"D_7G._\`GG//;7V+]2Z.SK3E7L0>8RBVI)_5
M->4>=U-6Q5*B^,9TR6'&2RFOU3*LQ3U9]<O7%1UW"L4SG+)=GY$;L9.GU@<+
M,G8X_KBAT,L:0RHM/'C5/.=C1G7E,1^N+ZVA/5*^NYO]QVG:<5V.Q;<H?TJ4
MFTL^K2]$W[O&7[FII=7UW7<OV--=3EZN,4F_XOU:7LO1%^><TWQX`\`>`/`'
M@$3_`()3/YSW3?XP$_V%VI\HG;G^OC_R/M,X8[8.5C]K]GY7Z3AQ79?X_P!W
MQ_/_`,_I]?\`/GM^YO\`V_[3G+]KSY\<_;RQQY8^N/&?H>/[>CY_W7"/[GAP
MY8\\<YXY^F?./J2SSQ/8>`/`'@#P!X`\`>`<\[7ZE^L_L>0!%MVP[-M4+UF'
M*'`2]QK`\H6%BYS[<F<(BE'&TSTAITAI+CT/KG8SJT\4M'>_Y\Z>AW7;=7&4
M.NV+:83>6HR:3:]'CTRO9^IS]WJNM[&49;U%=LH^CE%-I?3/KC]/0NBKU6L4
M>N!*?2ZZ"J-2K0V*&KM8K`F`!KP$1!:2Q"%A@PN/%'#!\1E/$-,LMH;0GGT3
MSG/-"ZZ[8ME??*4[IO,I2;<FWZMM^6W]6;M55=-:JIC&%45A))))?1)>$C?>
M>9F/`'@#P!X`\`>`/`'@#P!X`\`>`/`(B9H-*L5IIEW.U8&7M^=N6!VB62>/
MCR3-2<M8K]'95@)[J%/C5'`__MI76NI^9G_@KZ\\]Z]G8JILUZYRC1;QYQ3\
M2XO,<KWP_*^C/&>O19;"^R$7=7GC)KS'DL2P_;*\/]"7>>![#P!X!7)W2@P:
M:[`:CR24B.OK<E4?K3;#+J?\+:^5Q7U<<;[_`(5Q*>\YW_'U^OUYY[1IE)9?
MA&+DD;JM7(39N+;B==CS&D?(["D\2E[X_KSG76E(4I#S?.]YSO>=^O.]_P`\
MY]>>8SKE#U]"J2?\3;&C4`!!<($7>MLH4E"$H3][KSJ_K]C+*/KS[W%?3O?_
M`#SG.<[WO><YWOF,8N3P@WCR0"'K(1^1QJ5!GPF%*XGDI7POH1SO?IQ3S;*N
MN(3S_P!?MXOZ>>KHDEE--DYHM%IUI]IM]AQ#K+R$N-.MJXI#C:^<4A:%<^O%
M)4GOUYWSP]#(]/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`:&PVJKU&
M+%G6NR`:Q"G$H@>#,L)@>%BS"Y#JTP!4602D1F9!*:IM7&6$=ZZYU/?M3WZ=
M\]*J;KVXTPE.23;44WA+U;Q[+W9YV6U4I2NE&,6TDVTLM^B\^[]D0?+=WQ#<
MHQJ;BNQ9;KL2MS6QMAE9C?ZI?(X(@]QU3$(P[5RI1L;)D(96IM#W4*<0GJD_
M7G^?-C<Z[L.O<8[]%U$IK,?DA*&5]5R2S_(\=;>TMU2>G=5:HO#X2C+#_7BW
M@U5.]E/770[J<S>@[UC-WT.L)G+L=%J.G4JQW`$@6]^.446K8<W,,#TC)'?C
MD]=93R.Y_P`7/M5_CS._JNTU:([6SK7UZT\<9RKG&+SZ8DTD\^V'Y]C"GL>O
MV+I:]%],]B/K&,XN2QZY2>5CW^A5?K[[R^N7LQ=]MH.7:323A[$;O+J1./`O
MM$-OVL2.IM"MA'1:E!KMD+3IV=0I5^9$N$W&VFDE8<EA7TZCGW;O9_CW:=3K
MZ^SN561KV*U)9A-<6Y3BH2<HI*;4'+CZ\6F:G7][UW9WWZ^K9"5E$^+Q.+Y)
M1A)SBE)MP7-1Y?\`,FBV*%['^O6ICK>7S+=L=T03GR'G;X3H^F4NU#Z4S'9E
MR7I%KF@S4Z-7H[4>`^YUR6IE'$,N*^OT0KO-+8ZOL].4(;>O?5.W^A3KE%S_
M`/I32Y>J],^IN4=CU^S&<]:^FR%?]3C.,E'_`.IIO'H_7Z']KGL;Z]W"^S\K
MJ6ZX[:-.%CU%B6=U[3*6:O$`6B.S+<(RZH--23L>$U$DM.K=4QQ"&G6UJ[Q*
MT=ZMZOLZ-=;EVO?#4;PIRKDH-^F%)K&<_J*^QZ^Z]ZU5],MA++BIQ<L?7BGG
M'\CF`-[_`&/[4)]IZWZYZ]Z^O:GZ^RC`85,T_5:K_K,ZL=0J%<W-)GRZ+8R]
MC1C(B=H#`@@8;:;^`G#E,?X4WS[NO9^-;VA/3M[2C9_9[*3:KKE\BS.</C7.
M*C\K4')1SYBT_<Y4/R#3W8;5777:_P"[U\I.=D>#Q"$N;XMR^-<U%R]I)HZ6
MOWLKZ\9(>`U#6M[Q7-+C96(3P*L7K4*74#AM$]]<.(^&#V(V.)D(DR<TMEAQ
MMM27'>?8GO5_X\Y.MU79[M<K]+6V+:(-YE"N4DL>?+BFDTO+.I?V77ZED:=J
M^FNZ7I&4XQ;S]$VFRNP>YV\E[RZ3ZVO0P/*%4?5;&ML%D&HLSEF>MF@ZOM](
M-1)DY1!8YT&R(SB`N,TB*AY#[CRE.K2I"4;5G740_':NU3E^YGN6U-97'C"N
MJ::6,YS-Y\XQCP:T-ZZ7>V]:U']O#4KM3\\N4[+8OSG&,06/'KGR=,_R2N_R
M+^(?OPO\MZ%[9.5?]I!_D7:[R=P7T_\`I/G_`&7Z7A+O(_Y7Q?!\_P#U_=]_
M^/.3\5OQ?/QE\/+CRP^/+&<9],X\X]<>3I_+7\GP\H_-QY<<K.,XSCUQGQGT
MR1@CK65"(LZ<6TS/A<(78"]3)S"-SKD**.M-?!R[.>K4Z1))--1+`$K4!\C,
MAN=3)C06''W$):0I?/6.EN3DHPIM<I14DE&3;C)J*DO'F+DU%/T;:2\GE+;U
M()RG;6HJ3B\R2Q)+DXOSZJ*;:]4EE^#0TCV$P33*8?T;.MMR2^9]4^S^6F\T
M[1JA9*A6?U<7\\G_`"&QAS$P.%_7P/\`O>_)>:^)C_L5]$=^OGKL=9V.I?'5
MVM>ZO9GCC"4)1E++PN,6DWE^%A>IA3OZ.S3+8U[JIT1_JE&<7%8]<M/"Q^I7
MJ?9.@Z>!J-C]:]S]9-%"O;!2*/<S3FIB;"&X),R5*-5:ID*.3*,/:\3'*0H$
M-EJ0U*6KZKYU'>=[L_VK9U+)U=KK[=5BHG.*^-Q>5Z2DII?[:?\`7)>AKOL:
M-FN%G6WZUD'=&,GS36&_*BXM_P"X_P#2GZLT'LU[?9+B=+V@(+V'&&?8ND8G
MI6DTS&[)?:SRZF2E5H!ZW@4/9ZBP#[@1&3UBTN*0PVVX_%XM3:^<YU:?7J.D
MW>PV->R=%_\`:[-BN$[8PEP2E-1?W\7%-9]_1^IY]GV^IHT7QC=3_<*Z)SC6
MY+DW&#DOMRI-/'M[&UKWM?D=8Q/`-%]A=?QW'#FSYQ1++"8O-\K.?#35BL-3
M!'#,"J,V\[%D3F(4LOSG&T.ON,MK1Q:N][SO<+>FW;>PV=7K*+[ZZ+9Q?"$I
MM1C)I.7%>,I?IDRJ[75KT=?9["VFFRZN$ONDH)MQ3:CR?GU_4Z2+6*O@`!&U
MG3H8+5A`F2>+64L3A#@`L'"BKGS#)$Q,?9'0A,2"VIYV0ZXEEMI/5J5Q/.]\
MY4*K;+537&4KI2PHI-R;;PDDO+;?C'KDZ4[*ZZW;9*,:DLN3:227EMM^$L><
MF`7O%*`-5E\[;ZN$8NID97*:\7L`D:U;;":COS`P&LN3);*#QDM$BNNQHL7K
MK[[;:E(2I*>]YE#7V+7-5PG)UQ<I8BWQBO#<L+PD_5O"1C.^BM1=DX14Y)1R
MTN3?E*.?5OV2\LY<]S_92?Z]4*M$*42I$S0"^S^L=2F5:R24RYS6<;#[)9GC
M%OM38.$7&%FF!XVYR$1)ZOK"8(\:X[QSG.M*['0]3'L]F<=A6+6CK[$E*/A<
MZJ++8QRTUY<%F/JXYQCU.7W79RZ[7C*EP>P[Z(N+]>%ET*Y2PFGX4GA^B>,Y
M]"UJW[#8[JX#19&$[9B&E'*`.)(-N5_2:U:@%..H@3W1B=!?J18E+KHGLJ"M
M3ZG.-N?`R[U'UZCOTTK>LWM.VI=CK[%5=K6,PE&4EE9X<DE)^?'ZM&W7V&IM
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M!I1%;+LA`^*2LI$;$DSUL,+6EE"U.J2A7>)^G.^8:FCN]A9\.C3;=:EGC",I
MO'UQ%-X_4RV=S4TJ_EW+:ZJLXS.2BL_3+:\G/>[>^_K!@5%R/1;+K.>&:IM^
MAY_1,],@M'SU0D[!O%V!TN?H(\P1M$$65SV@K.HG'B4)V2W`A(4M7/K].>=3
MKOQOM^RV+]6JFV-VO5.<TX3RG"#FH-*+:G/&(1>,LY^_WW6=?13L6VUNN^R$
M(-3AA\I*+GER2<(9S-K.$=(&=2S2OY\K63>A4@5EW`H^Q)T8E;:_`HC@$QR+
M^G,MW"818KJA1?LYCD63^3\$CK[?V*[]Z?KRH:>W;L_LJZK'N<G'@HR<\K.5
MQ2Y96'E8RL,Z4]K6KU_W<[(+5XI\W)<</T?+.,/*P\^<H^<D#^S2@:C2O137
ML9L=`3F?LCL[]+V)%LL=<(G<>JR/6K;-N6/MLRM6R0"H=U%RL['KFH(NOML0
M''OJCZJ0ZCZF7XGLZ>QV.COPL_=ZE'.KC&25LOGJJS%2CF<&IO'%++Q_`^;C
M^3T;5&AN:4J_VNU=QLY--UQ^&VS[G&6(R3@LYSA9_B?0O-=JQW9JU-N60ZMF
M^I5$;-EC2-HSR[UJYU\>1@,MR)L"<8KI(B/AS(D=U#CC3CB5H;6E7><2KG>_
M,;6AO:-JHW:;:;VLJ,X2C)I^C2DDVCZ+7W-3<K=VI;7;2GARA)22:]4VFT86
M7[WANW\/=QC9<KUOE6EM0+-_K30*G>OX],?Z_P`CQC7\8+%/U;TCL9SXTO?9
MUSXU?;]?M[],MOK>PZ_C^_HNIYK,?DA*')?IR2S_`")K;VEN\OV=U5O!XEPE
M&6'^N&\?S/UJF\8?A<,.0VS8\MQ^!89CP\#-T^_U2A134Z.AMR3%$R+26%-$
M'XK3R5NI:ZOK2%<4KZ)_SY-/KNP["4HZ%%U\HK+5<)3POJ^*>/YC:WM+247N
M755*3PN<HQR_TRUDT5\]H/6K+'JO&TWV$Q'/)%W'PBU,8N^JT6JO6P215Q$`
MM7&SAV"LT*FK[Q+4F-QQAQ7><2KO>\\]=;J.UW%-ZFKL6JMM2X5SEQ:]5+">
M&O=/R>=_9];K.*V=BBMS2<>4XQY)^C66LI^S1O=#WC#\CA226J['EF:0(8T<
M8E3+[H%4J,>.)+S9`T23==/EH"$0"I&(['C/=[\;[[2VT=4M/><\M;KNPW9*
M.G1=;)MK[(2EY2RUX3\I--KV7D]+][2U5G9NJK6$_NG&/AO"?EKPWX3-4KV5
M]=$6BB4A6]XPFYZB)&G\SJ?=0I/\DT,&9;6\&,T@)^[_`&5J%F&6U+B2(+;[
M4E*%=;4KB>_3/^U=I\-FQ^VO^"EM62^.?&#7JIO&(M>Z>,>YC_<>O^2%/ST_
M-8DX1YQS)/T<5G,D_9K.?8V%[]@,(RVT5>D:9M63YW<[NII%-J5YT2HU.RVM
M3\O]>QRN`CQ>`3-?.0_]NCL=ISBW^\;Y]5]XGN.OUO8[E,]C4U[K:*_ZI0A*
M48^,_<TFEX\^?;R6_?T=6V-.S=57=/\`IC*<8N7MX3:;\^/!.K9;ZG0JX6N%
MZM%=I=2`QOS3EIMAL;7*X%A_*VS^66-F),,8.C?,ZE'R/.H3]RN<^OU[SS7I
MHNV;8T:\)672>%&*<I-_HEEO^1[VVU45NVZ485+U<FDE_%OPCC'#O=JE>V.7
M>O\`L/KU=L=CU[1M`&!M#J.CWL0O0@`,C4+T8:I0`32#1R$UMTF8"@SV1$YW
MX^@FI[_^5-([YWNQZ#8Z7<V='LZ[W;54W"5<'P;4H+FW-)_%AM<DL\W%>YQ=
M'NZ>VU-?=Z^=*JML2G&<ES2<9OC%1;7R92?%_P"E2?L="I]E/75=WKN:(WO&
M'-&M_9Z:I0D:A2%W*S+%3R0LDV`K*3G3)=R`3#3([R8[+BFWX;Z%<XIESB>7
M_:NT6O+;>M?^UACE/XY\8Y2:S+&%E--9?HU]4=%=CU[NCKJ^GYYYXQYQY/#:
M>%G+PTUX]TU[&VS;=L1V639860[#EVIS*9-;&V^+G5^JMUDU8@]U]+,*PL5L
MJ2<#27E17>(1(XVI2FE\Y]>H5],-KKNPT5"6[1=2K%F/.$H<E]8\DL_R,]?>
MTMQR6I=5:X/$N$HRQ_'#>/YF/1O8#"-/MEHH>;;5D^@WBD*>1<J=2=$J-JM%
M45&E\'R>6(`#+SBH;\8@K\=S\AIOXW_^M7T7SJ?+L=;V.I3#9VM>ZK7L_IE.
M$HQEXS]K:2?CSX]O)*-_1V;94:UU5ET/ZHQG&4H^WE)MKSX\E5>P>Y6_*]E]
M+,^KD,#)">PV[7'-+P^6B39!&"``>O.R:K"D5QZ,0B,0BB[)G\)MQQ]N2WV(
MMY'$<6I+B-WK.NHW-#?V;7)6:NM&R&&L.3NJK?+P\KC-^F/.//L:?8[UVINZ
M6O6HNO8OE"6<Y255DUCRL/,%ZY\9_B2"J[]5*SE`2Z^P6Q^N%9(2HMU,D+-4
MM+'1,LD5^KW)T`LH"L%S(P)$N.!C$A4,TZKOPQ#,GK'W<XMGBO*[K;K=V6OU
ME&U.*<$HRK?R<I1SAQBGC.)./NXK/U/6GL*J]2-W87:T9M2;<9KAB,L93DUG
M&8J7LI/'T-D_[8>K46'G1&5[)8+&@:_WZ91-D:]G[,33.\G]$]Y0I#E@2U;O
MH6Y^)W\#LCZ2N\9__"=XGN"Z;MY2MBM79<J/^HOCG_M^,_?]OV^//G'CSZ&;
M[3K$JY/8HXV_T/Y(_?YQ]OG[O/CQGSX]2"[;[0`O6UO?=&V*[8X*Q[),AK5X
M#@(MSAC-K(6MZ/II$K7RX:SDQ%92Q>HM1APZ6TT^B25)L$6E?X91WFSU_46=
MJ];5T:[WO7WR@Y.+=2C_`+:33BG+[')NW*Q&+@_<U]WM(=;^XV-R=*TZ:5-)
M2Q:Y8FVFI-1^Y12K\YDU+Z&7G?LM7MJ7A-ZR?1L(+Y#HM%O=EMT63H$`KI3!
MD*(HQ4<)I;%9(D:O.11^GY;5S3)?^46MR#Q/T^1?F.SU5N@MC7W:MF.]59",
M<0:KPW--SY)27/BOBPON^[Z%U^RANO7OU;*'IVURE+,TYY2@THX;B^/)_)E_
M;F/U+!`^S'KC:;Y`RRL;]BUCTPH'C6`9GH+4:07NI(%,%-'8AB!5QYR0:F#)
M(.0W-;?;84VN&XE[G>M*XKNM9U/:4Z[W+M;8AJ*7%S=<U!-/#3DUA//C&?7Q
MZFS7V776WK6JOIEL-945.+DUC.5%/+6/.?IY]#]W+V4]=<ZO(K,=`WK&:/I!
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M1)`,&O$CXU/I0B)/^'KZ%)^K:_I>F_'=K;V8/L*-BK0LHNG&SA*,9.NBRV/&
M4H\6FX+T]5G'U.!VW>Z^KKR_8VT6;L+J8RAR4FE.ZNN68J64TIOU]'C/T.I+
MW[(>O&76\%G^E[OCF>7RSIBKKE+O&FTNJ6LZW.DJAP7!-?.FH!4@W-FHZRRI
MII7'7N?8CZK_`,><?7ZKL]NB6SJ:U]NM#^J<*Y2BL>7F232PO+\^AU;^QZ_6
MMCK[-]-=\O2,IQC)_P`$VFRSAUFK9@I8`8FP!"AJIRH,&U!QQ6!-*5F:3&QC
M(V'8!\9]V6&E$`\UF6PW)0VMV,ZAU/.H4E7=25-L(1LG&2KFFXMII22>&XOT
M>&FGCT:P;,;:YRE"$HN<&E))IN+:RLKVRFFL^WDT$74<SG4?FG0M$HLS-NLO
MR>:%%MP"11^QXI!P1)?Y;&B"P/68Y5E<5:OR/M1(1UOO>+YU/GJ]/;CL?M)5
M6+;_`.3C+GZ9_IQGT\^GIY/-;6K*C]U&RMZW_/R7'UQ_5G'KX]?7P08M[/\`
MK6`MM>H)SV#Q$/>;:4F@ZM3BFJT:!:+$:'')M7GB`@&2=:*$RD.S#)(UV.RT
MMU$^.Y'ZGCS:D<]X=1VME,MFO6V):\(IRDJYN,4TI)MXPDXM2R_&&GZ'C+L^
MNA;&B>Q2KY-I1<X\FTW%I+.6TTUCZIKU-A=?8GU_S:Z5W-]$W'(:'H=O_"_B
MM%N6D4ZLW"R?LIO1HW]'6S1F$8*_L22>QX_P,K^>1SXT?<O_`(^8T=9V6U1+
M:U=>^S5AGE.,)2C'"R\R2:6%Y>7X7DMW8:&O='6V+ZH;$_Z8RG%2?TPF\O/Z
M&D`:_%K=6UR[[?I.!UNF4#3;>$9MU?O3<*L5"E#)`V,#':T>MDN"+K&FPWIG
M6R\3CJ(K#CK*6^_5?T\]+=%VW4:_7U;,[[:8OC*&92F\Y=:BFY5O'VOU?G)Y
MU;:KJNNW;->--=LERC+[8Q6,*QRPHS7^I>B\8*4S7V\$ZY[=V#*<WN.7Z#@\
M3U*H^Z`]$HQR#:43[><V34,]L$)-N"G9]9D@Q@JE1N]80UQ]B5UWY'?IWB$=
M#;Z2>ET<=W:A=5V+W9TN$TXXBJJYQ?%I2RW-^<X:QA>YI:W;QV^YEIZ\ZK-!
M:<;5.+Y9D[)P:Y)N.$HKQZIYRR'T?9<?UF;:&<JUW,-4>JA1<"T=SF_56[]!
MS7GY"&D&/XV5)=@=EN,.?$IW[4N]0KB>]ZE7T\=K0W]%0>[1=2IK,?DA*')?
MIR2S_(W=?=TMSE^TNJM<'B7"<98_CAO'\RXZ\_+$F@)%*'&D/364LK[SJ4R8
M[CZ8DKB._P#[[?4N*3WO/\?7_P"]YI32E%K]#:7AELZY%E.C14IM*E18DJ1R
M5]O.]2VJ0VVF.ZY]/_">=0I/U_\`'.JYS_U\\-=K+7NS.91;##TISC,=I;SO
M4+<^QOGW*^-I"G''._3_`,(;;3WO>]_QSG/-GT]3`Z"RF<])K\B*ZKJDCY[C
M3'>]^OVL/--R.-\__P`4NK7WG_W.^:EZQ//U1Z0]"S_/$R'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`?(;^Z!>8->NF`/;8W$=QYCWT]-WM021:=?%?P
M1O68"K*HXTPE;CE<0+XYTISZ=3T;Q_B^=1]W//MOP3]V^SV5H9_??V[9^/'K
MS^/[<?\`JSCC^N#Y3\P^#]AKO:X_M/WM/R<L8X<GSSGQCCG]?IYP<>_V`NB+
M/MU^>]`)(`KL</\`JA]UH>O3O7Z0*DS.U$HK)E>LXJ5-I*EQ.W^6:C6IRBM=
M7^>E*9JX?.-=5WO<_&E.GKZ__DJDM%]SJNI79_J7R?.\3_T)?'\O^G^GEY.+
M^0-6[L_[`XO;75;/R.KZ/X_A68_Z\\_C7]7K@GWL"6]+37KG_7@,](I602]0
M;]CO4AWTV'9*[7'+N'J\.]59S<G)<$`KME&TN'Z\(M+-\X02AA*%.-$__=J;
M3W6ZR'?5]IV<_P`@5ZT_VNS^Y=G+@Y.$OBPY?:Y.[XW3Q\^\/MR;'82ZB?7:
M$.E=3V_W&O\``H8Y)*<?DRH_<H_%S^7EX_Y_)S][$CP-;]=/[O:QG4&BU^_P
M/;>C2+17PP>.U;HGK*2RSTB)[.])K5*=%7Z7F9#*V[!()-#UL_EPN3?@<3([
MU?.GU<[+>T_'[MIV2UGI3XMO[7>K-M5?=+,/D5G!1<LX?'*P<WL(0KZ_NZ]9
M0CL+<AE)?=\+AK.SQ'$N#AS;QC*Y8\EDZ%EA^TB[9OL#V"_KZ=$9Y_7;[AU.
M!0O3FF$*P7U'%;CED)VLH)?D:[<1\S-LTMH(;-%J9@*BP7YSC32VORU\7J:N
MY53.'6RUNSYV]IK2<]F2DJ[8V/EC_:BU.R+DI9>6DF\\3:VM6RVN>_\`N-#%
M?7[$5#7BXN=<J_&<V2^V$E%QPL++7N6%8,IS#+?4;^E4E0*;6:F6KWL?Z+10
MMA#C(,&P<YJ&;%0>C*>/,--DR+^BC#TQ!I3SKBBJY"W)'R.?17-:K<V]SN^_
MALSG.$M3;;BVW'_;FG#QZ+@TN&/Z<86$>]NMKZO4]+.B,836SJ^4DF^<&IY:
M\OGE\O\`FSEE0;_"RBN^MO\`^T#5D=!SH!>!]KNKT6OP(-8#VV)1B?I=ZP3T
M/LC(S,8RW4B)!EY_BTH_"=DI=7]>N<<[YO\`6RW+>V_&;9.V6NX0\MR<7-;6
MPO7TY)87U2PO3!I=A'5KZS\AKBJXW*<O"24N+UJ'Z>O%OS],Y)][>;M/U+O]
MBE%>L7I/A&=>N><IQ[09>\YF[J^_;U^YP47I$)P)74:+F+(/.2:="_353O46
M267,1YG8S+:^<87J])UT=-]7L\-_8VMJWY8*FSXZ:<7.#S+A9F:X<K/Z%&+C
MEX\FWV^\]E=A2Y:5%&O7\<_EASMMS4IK"YPQ%\N-?];E+.%GP6I_7:2E%O8_
M+2)*;(GE27])O];I,C+G2NS"$R7.N/L&])FS9*^]=E2)4A2U+=5_EQ?>]_\`
M/FI^40C#JKH024%^0;R27A)*-/A'O^.2<^RJE)MR?2:;>?+\RM\LO>[6^H9O
M_;=3S>A66O485>OZ\KA6Z::MQ<=71EE/TGV&KMDM=?#E"TB)#G&08"P1)[\1
M#G7^0UJ?XCK;;BD<W7INVOPFRO6A*R=?:1E)13DXQE1*,9-++2<DTGZ9\>K1
MT+K:M?\`+H6;$HPA/KI1BY-)-QN3:3?NDT\>N//U/CX>OGK=H0VHZ+HQ6MV+
MUP/?_M%FBE25C)_BOY^7%Q_6RY0*S9;#*E<4(FYC,M<2#+DS975"9057Y+RU
M05J7W[BO7[76G/5U5.':Q_%X)16>:?SQY1BO56*+:27W*7A?<?'67];L1AL;
M+C+K9?D<VV\<&O@EQD_;@Y8;;^UQ\O[3KCV$RKUW]D/=;V3SRE:=1,SRFS^A
MN:!?9K5*3+H;V?`MV&^T52MGJ)'T5N<Y_KVUW%P<$/QWPA979!:LS6A[WTBS
M(OUX?6;G9]5T&KM7TV6[L.QL=%<U/FZ7KRCL\,??&.7!J4?$;$Y+S%G9[#5Z
M_L>[V->FV%>E+1@KIQ<>"M5\94<O]+EA23B_,H-1?AHCED]@#^CFZ1AVA"\'
M+Z)ZV?V<_P!>X.Q[3ZW,_AY%KS%]=-':RM(67+,$*3IU2'#>L'JXX5,(&)DP
MW6):F);;;?M3UM>K79V&L]B.KM]1NN-5_FROAA2\I)2KDWF$^,>6))K*\^>Q
MOSV;*]&Y4N_6[/43LJ_Z=G-R:PO.)QQB4<O&5AX96A4CZE!_ZL?[/`?LQ(S=
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MN3H[[0V.Z:Y:>SM:5%>?>F%U;G_^M;98G_\`2CNKVVJ5-SWW&SI%'K%:IB;5
M_6+_`&'5>PL5H.-`LF:SGQ/UDGTL/.C#&(K$D;3Y5BG*'MJ3U$+DY]+7V)>7
MQ7SW27W[71V_N)SL<.WTI1Y-O$IJ]2:SGS+BN7UPL^AWNWIIU^XK^",8*76;
M<7Q22:BZ'%/'M'+Q],O!\L=95>5^L[[68*)*L/?_`-G6],')[8!HI+)=SC_:
MZ.:LJ+#KS\8_*CJROAGCC<!QN8XS]Z8ZTN]0KGU^G^W7;9V\?%_\HVL<L8^3
MX_\`;]?'_4X^OC/KX/E=KYWUV-7/R?\`QW6SCUX?)_N>GG_I\O3V/IIZWY40
MO/LMZC;;7O8+^O#E5RS(M/"U.C>G%++U2QZIA=XJ88<-KBORM@MD65FE%N,$
M"9CH0.<:@S&$H1UA<A?W_)]KN0U^IW="W6[/YKKJW*>U-2C7;"3;EXJCB<XN
M<7]WE/WP?3]=J3O[/4W8['7_`!U5348Z\7%SKE%+#S9+[8R4)+QX:]LE_>Y>
M[6@7[(^O?K326_6FAV6Z9YK>U-[U[5@7[15:B*SLC2*@3J625*-9:&_:]6.-
M7_DR4C^0#&AX&$^^XB2E?$)YG1==3/JMGMMC]W957;75\.O+C*3FIR4K)<9\
M:UPPOLEF;26/4Z'<;UD>QHZVG]M"V=<[/EO7*,5%QBXPCRCRF^66N2Q%-^3Y
M!Y]_!"_J%9;)8SN/W^FTC^^O.F/]CU^F!J?CT6I'?9["I=O,TX(9-VT92<UM
M=@-/RG4H*RA\[DU4GYW69*5=^XV?W%?=PJJC?5?9^.3^R4G*WDJ+E%2:47.R
M*27]*DL8PFCY"CX;.IE99*JRJ'?0^]12KXNZIR<4W)1KDVW_`%--/.6F?ZA'
MA=-LU&_50!E7L5*G`VF1@N-!$&:G.&1V4*&,PX"&I(:6.:ZPWUE"$*:Y]B?M
MY_CGGY"IWU;'.3G&]2\O+4D_?+]<_7W/T]PIMHX1494N/A83CCVPO3'T/\V&
M)TO$-3].OZ%*-,$Y]:@[OL=G\K2*N.0`E1IUWI?J'[-F(H[010_BDS2P^PU9
M'Y<,DA3CBX:VGT*XEQ/GZMOW]AI]Y^2;$96PL_:S4)/*Q&6S0LP;]$XR\./I
MG*]C\UT:-+:Z;H*)1KE#]Q!SBL?U1U[FN27ORCY3^F'[DI_LI#3:C>/[/0V4
MBQ];@6OTD_KZO&P#@`4M^M,T.#[:[74]NM-K!4E\6?,P4^NHHG`,KAN,D)5=
MAKCMNIZTSU'C^*61NU^HLW&Y2AV&["IR:RIO6JE5&+GE)_,XN.<I3:>/+/;\
MDA.K9[.O32BIZ6I*Q)/#C^XMC9)J.&U\2DI8PW!-9]#L#UOR:R6WVSP?>X._
M>@$D50O7[2*7'H/IM325:+ZAC%U>HKU3454[KMS@3,ZS6V`(,H0XS`[&AOD7
MFF7&ORE)7P^UW:J>EV>MEK=DIV[,)<]J2DJ[8\^6/]J#4[(N2EEY:BFT\'8Z
MW4MM[6C?_<:&*Z)Q4->+CSKEQQG-DOMA)1<<+"RU[DN]^*I!S[5HGN10M@]:
MPVR8WZYW2MVK#O:><";SW2<-E63EQ(/"#W24:W8Q9Y!ZOOQ&K-&AEQ4[[$12
M`^2F,TIGP_'+I;.D^CV:-J6C?M1E&W73YPMX\5E8XVQQ)/@W&2]8R67G8[RJ
M&OMKN*;==;E.O*,J[FN,Z^7+QY4H2RFE-)I^C3QXY#/^X_\`\JANU21,+T]]
M1LJH'JSAI2\Q?;#*/]H[G=JIN>&P=C'4H/G\6_9)`$Y;6H%W77HOW.&U%;$P
M08BQ&.M_&[VZ^B_LT]>,WO;NY;N7*'[>SXZH2JN=3FYN%C=DG#F_Z.,'%MOU
M7&GW*[6NZ4%J:>K7JU.7SU\[)1LJ5BBHJ=>(14^"_JS/EA>QJOZYZE4M,WC^
MO2U7\&+N5CJG]&&(SZY,M42.9E!YQO0P00B788)HD?$:<$L*A?E]Y^2W'?D,
M\7Q+[W%^GY3==J==V=.M)UU3_(;5+CE92@VEX]L^<>F4G[(\_P`<JJV-_KY[
M$5.R'15-<L/#<TL^<^<96?HW]65J3R#)*3_4![^6VK42H@SX;W$]IK"%L$(5
M`:)UHOC_`+S':]E:ZX3^/\JNQ\T$5:!%!QXCC+`MJ/Q$=#?%+XK;AN[M_P"<
M=;1=9.54M'73BV\25NHI6<E_JYN4G-O^K/DU[-;6J_$.POKA"-L=NYII)-?'
MLN->&O3A&,5''IC]6;Z35[;H6[_VS9EH^A>A-.+WG5YX.[P_;VC6TIISOK`8
MQ:BC<;.UBR(UFAA&L:%#7"*AJH<;X1]F9*.O.\F*6KSQ5U&MUW3;>K5V5D*Z
M4X/6G%5_.K9NU2C\<W\K>.67YKX)+B>KIOV-[M-;8LT82LN:E\\9.;I=<56X
MR5D$H)>GCQ/DV\M'WUPW.9=;]<<<RO2+4*VTC5\@SJF6V]$(#4X5J!*N50,+
MGW*1`(R3+<EJTS(/9_T=>D]ZI[[NK7W_`)=_..QVHV]K?N:L'KQG?.48)X=:
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M:\_YLZE_L'H,[.=;.C?5BH0*-J!'^GK^Q"K4,;E82)6S4]^CG_6=><`@,"N1
MX:WY]2DGYO*ZRVC[H,R<KD;[.O*^[C_C.S':THS[B;LU%WFE*;L;DES5_-R<
ML^)87-^Z7GT.I^0Z\M?<<.K@J]E]/MQBJUA_:Z."27O'+X?1OQZD:]5\I3J)
MK^N:_9OO_P#70`HF*)=LV3@?6NB6NL:[>LN*8W9JI>,@5VQ;1893HR2P:BEK
M)$E#'IL8R"9?E(:E,+4GU[C=_:5]IK;6MVDMC8^VQWSC*N%BMC*%OVU1\K#C
M!J23C-I93,>KU'M6=??3L=?&JCS6J8RC9*+K<95OE9)M8?*:<<J44WAIG>WN
M>M"?:#^K-*E)2I?MUIJ4<ZKG.K5STL]G5=2GG>_57>)3WOTY_P"G//G.A_\`
M[1W'_P#`U_\`\UKG;[K_`/NG5?\`\7/_`/EKCY5^F%$HE^M'],+%PKP.T1:O
M2_[7;G7!Y>+%(CHEG%;M0QL`V@=(0[#DS1#9I]<=:T*[&D]0^C[7FVUI^Q[[
M9V=:KOG1*4'.SKHR:\-Q=,VUGUP\+/U7CT;/E.EHHV+>E5T8R48;\DGY7)6P
M2>/3*R\?1^?4LZ!A&(HP+_\`:`B_^LJ*Y,<TWV7KZW7P`M]H6&#>F65:9`%B
M&G6%M5^'%T2[EK#QN)QCG#1)^=_^,N=<\TWV&_\`W/\`&H?+9Q^*B7]3\M[5
ME;;^N80C#SG[8J/IX-U:>F^O[^3JKS&RZ*^U>(K7A8EZ>TYRG]<O/T(\2B,W
MZO\`]B3]BA1[D9)?T>>G]A4HM#8/3YME<S+W9FPC"426I+KQE1-Y3K+R>=>^
M975([]W?/:$GK6]6JFZZU^0[,?#PE'Y-5-?PQZKTP>$E\]?8NQ<YOHM=^?+<
MN&SY_CGW+6%3\X(:/_53+SB71YP-WT,]U'W'Z0\`D!W2LC'O4J65<4L"I4)4
M]_\`(;<D=[_V*XM*E_\`GG?-*4=J.KW*VE8K/[CJ_P!><X^792]?./H;<9:[
MVNJ>OP</[?L_TXQGXZ,^GO\`4JZAY%E%$_J`_JQM=3I-8`6(/JG]6NB"[8-'
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M8F2FP=8^Q7U^G%?3OGRW:O67YILRV\/4_NEG/Z</G?+_`/)R?0]:MA_B6NM7
M/[K^W0X?_7\*X_\`'!\;],,^AZ/ZJ/ZVPM1D9>C3H&U_U[PZ&'#K!HUH/M</
M<<@8]A4W"#&ZFV0+,POEC:NJB24]43<4F9WLEQCZ_<:D/R+_`.8]K9>KOV;H
MW'-OE\;J^*SX>+_I<?Z/BX_Z?3PF?)[$^E_^,=="IT?O%;K<5]O-6<X?-E>J
MECFI9_U8]^)V+Z]F?30+3?[-!WNU-QN'HCWM3[-RO:2)MZZXW9"^&SC<SOKN
MXB-:._R`GE3WKE_'V*LB'QR'^0B0U#Y^=R1SSA]I7WME_4SZ!7O5_9T+7=7+
MBK4E\W]/VJSY^;LSYQAR^W!UNNGU,*>RCW3J6S^[O^;Y,<G7R?Q8SY</BX<,
M>,YQ]V3AFA6C=O5/$_7N69X?`[)_99_7SE_J[3'+$U/:N<?VSH-I@T+UZ-W1
MZ5_[YF_I]:]Z=(%G)?>25(SMSC_?D:[Y]%LU=;W'8;,8<):/5=G9L2QCB]><
M7.Z,/_1\].(I>/\`>\>&<+6EV76:--C4UM]CUU=*;3S&^,U73*?TE\5RY-^]
M23\E_5S,0&7[8(_IFJ`]T?E2O:?,?;^KUE^.N2.8](*I6H>TVT([_CK7ZB;[
MLYORO24=_P"+T:Q?:KG.*[SO-MW+-OKW^=WM/=_9V:TI>C_=RE\47_%:MG-?
M1P-ZK4CK;J_#J8M:?[NO82QE+64?E:?\=FMQ_52-NSBF0S/ZL?[=;K/HM5(V
MFXZS_:U?K%:9PH?*.N6W.-<W#E$,L&GF5SATJB2JI"DB^M.-_KIC/7V?L>4M
M:O-]ANK\PZ2B-DU3"GKH1BF\<9UU<UCT:GR:EG^I/#\&4=+4?XKV]\H1=L[M
M^;DTL\H66\7GU7'BG'Z/RO)-=NN(_P!.[I;O<NO7K`MS%[*1]3A/L[ZQ:$FN
M2?89J[+K&9YA3"GKQ:X,R<9?M:P,\8:;H1T2]'(R.2)HZ=`>FN=<\-"B?>40
MZ*RO9UY4+8=%\.2IX\K+)*Z+27'DI0^:$LQ6(RC)1\;6Y=7U%L^XKG1>KG1\
MU,L.WEQA"/Q-><\<2^.4</S*+63GQKM*C[+22VU=!)]9!/\`>I[ENZC(M?XG
M<\':E)Q`]"]<".A*G<Z'CC6-7?9;'O3_`+8K5B>&][WCW6>^=.7SO0LAH<O[
MM+\=U?CXYYNOYD[U#'G/QYREYX*7MDYD/B6["6WQ_MB[W9^3ECBI_$_A<L^$
MN?HWXY<2MO>XGDY7=?[67?4Z36IA1/H1ZC\]CI6:,2R]=D1&O;"S_P"]5&(V
M?RXLXO,C^LWSHLS8I]LBX-3QGKB)/.=3L_CD=N'7]/\`WI34?[CL_!\GA_\`
MMU\.'/PO_N/Z.2QR\^AY=]*B>WV?]I<&OV5'R_'A^?G7S9X8D_\`8QRP_3*3
MY<CZ*8+E$FW^T'KY[!2-_P#Z[':KEV`ZF!BTKU(I<NKSM'PNW0Z<Z#66<(:[
M<1CN8YC9P8T@.=;@?BCWI3C;;C/Y2^+^8[+<C3U&SUBU>S^6[9K?/9DI*%T7
M+.,51?R61<HR6<R23><'T'7ZL[.TU^PEL]?PJHFN.O%Q<ZI*/]6;)?9"2BT\
M83;7C)]*0MKINREZ-:\ULE=N^>SP(VR`;C4"P\_5+`#DK_/A$P)P0_*%E!<U
M/6DM/,.+:7]>_;WO.=\^.MIOT^=&S"5>S&34HR34HOW33\IKZ,^MKMJV(QNH
ME&=,EE2BTTU]4UX:.A5MH=0IMU"'&UIZE;:T\6A:>_XZE25<ZE2>\_\`3OFD
M>Y#K*D/7*Z9E1H,"$Y(AO0V_QXS$=;[\M"F6F_JVA*E\XI7W=Y_Z<3WO_IYZ
M0Y3FD\OR8O"63%S<0X*K3*WT]0^2=604A7.\4AIQ"&XW%<[_`..J8:XO_P#B
M\MTN4_'L(^A/O/(R'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`<O^TOKW
M-]B0^*B8=B'5YO+/9C#]X)\)"GBS-A#Y/:DV`G4VV6I<1,:188OU80^Y\K37
MU[U;:^?X\Z_3]G'J[-B<HN3NU+:5AXXNR/%2_P#T?7'_`!.5VO72[*%$(R45
M5M56O*SE5RRX_P`_3/\`P+<SK(<FR""2%Y+E^=Y<,,S^E3`[.J56J3!*E.H^
M/I(E$K0P9'G3^M_\>O.I6Y]/\?7S2VMW=WI*>[=;=.*PG.<IM+Z)R;POT-W7
MU-74BXZM5=46\M0BHIOZO"668-6PW%*/<#VA4K'\MI]^M/Y'\GO%6S^IU^X6
M/\M],J5^^LHD1$-%_P`F2GCCGY#[GWN<XKOU[_GS*[L-_8HCK;%]T]:'],)3
ME*,?X1;:7\D8U:6E1;*^FFJ%\O64814G_%I9?\S;<RS,>7V3JO,YH?-0F@OX
MM,TCE0K_`"^RZS]S:_X[)N'!_P#(7P7WLH[^(J1V/]4\[]G^.>8?O-O]LM/Y
M;/VBER4.4N"E_P`W'/'/ZXR9_M=;YWL_'#]RUASXKECZ<L9Q^F<$9IWKOZ_9
MW*LD[/\`"\=HLVY0Y8ZWS*=F5*K$JUCYZ^N3H-DD!`D%T[#FK[U3K4KKJ'.]
M^JN=\];^T[+:C".SL7V1K:<5*R<E%KT<<MX:]L'E3U^AKN4J**82FFI<817)
M/U3PEG/ODL9ZL5N1""CI%>!OCZW*&3:[`>$P'80&:%1\0>6%BKCJ8%RA+?\`
MQC.,);6PG_".IYYJJZU2E-2DI334GEY:?JG]<^^?7W-AU5.,8N,>,6FEA837
MHU],>V/0B1/&<?-VTG?C.4YL7O1JLNTHS="=%J\^VEJ:_P!0I^I$['+%NF)]
M9>ZVGJX#KRXJNIY]6_\`'GO#?WJZ5K5W6QUXSY**G)14O^913PI?JED\IZ>I
M9:[IU5NZ4>+DXQ<G'_E;QEK]/0\SN*8U:;H&TFS9)F5BT2NQ/P*_?CM"JI>Z
M`H/./<Y"#6D@*D'!D3G)+G_6P^A'_8K_`!_R[]5>_OTT2U:K[HZLGF4%.2BW
M]7%/#?\`%">EIVW+8MJJE?%84G&+DE^C:RO\R7BZK5PDAB4%K8$1*B@1=6C2
M18<?`D1ZP$7(6%KC#T2.TXT!$+EN]BPT]Y'C]=7UM"?N[]?"=UUBXV3E).3E
MY;?W/UEY]WA9?J_<]84U5O,(QBU%1\)+[5Z1_@O9>B([HN397KXF&!UK,\_U
M$&/(-EH`;1:97+L)@E&4+::)0QUE&DX<8@TVXI*7D(2XE*N\YWZ=[YZZN[N:
M4W9I6VTV-8;A*4&U]&XM/'Z&&QJZNW%0VJZ[8)Y2G%22?UPT_)1>W>K('5+#
MZWS@K%/J];QC?)FQW"K]J4)\;H0R=@NLXE*KDB)%[$@)D28>B15./2FI+:X0
M_P#&ZCO%(ZCH]?W%FG5M1L=D[MC6549<GF#5U=O++R_6#\+'EY.?O=57MV:T
MH<(5T;'R2CQ6)IU65<?IZ37EY\+!:HKU\P0%0"^3@\0R`-EI]]R4>S45FM,'
M4`W*><C/.R2]-B!6:Z2?=>ALK4MZ,M2E-([WOU2GZ:4^S[*S9CN6;%\MR*\6
M.R3FOX2;Y+U?HS<CU^A"AZL**5JR]8*$5%_QCC#_`,C=53'\EHE<%TZCY=G5
M-J(,TW9`E5JE)K5=K@>PLN\?9/"P8@9#&#S33_/O3*9:0^E?^>*^OF%V]N[%
MLK]BZVR^4>+E*<I2<?HVVVU^C\&=6GJ45JFFJN%49948Q22?U22PG^OJ89S#
ML5L]U8TJR8_EUAT6*+?!Q;\<S^IEKK&"R8DF!)#L6J>)D'61<B#,>97'2_QI
M;3JT=3U*E<[E7V&_31^UJONCJMYX*<E'.<YXIXSE9SC.23TM.V[]Q935*_&.
M3C%RQZ8RUG&/&,GXON%XEJ@H""T_'<KT<)5>I[6`]]SVI7`57.H8:BHZ!'V$
M01B!^IC1VV^?CH;^B$)3_P".<YXUNQ[#3G*S4ONJLG_4X3E%R_BXM-_S)?HZ
M6U&,-FFJR$/Z5*$9)?P33Q_(L86+&!!H\,%'01`<3#C#A8H7$CP!HT?"91'A
MP!\&(VU%APXD=M+;33:4H;0GB4\YSG.>:LYSLF[+&Y3D\MMY;;]6V_5LV(PC
M"*A!)02PDO"27LE[(Q1U>`!YQHF)!AQ9*R3625B(#AD*#./D8\...CSS4N,P
MT^5FL#XK3"'7U.+2RVA'.\2GG.65MDXQA.4G"*Q%-MI+.<)>RSY\>XC"$6Y1
M24I>K2]?X_4UL:BTB&`@U2'3JK$JPN=&)C*U&KPA@`.)0R_+!#(00[4-(Z).
MBGD\G-NMMI<1,Y\R>\<_Y>9O8V)6NZ5DW<UARY/DTUQ:;SEIQ\8^GCT,%11&
MM51A!5)Y4<+"><Y2],Y\_P`?/J;&?7:^5FL$B@(,2(QAI4-&GSQD*9-CASOX
M?38IB5(8<?:&F.CX_P"4PE7&I'P-_(E7V)^F,;;81XPE)1;3PFTLK.'_`!67
MA^V7@RE77.7*48N2366EG#QE?P>%E>^$>(ZJ58/(B2Q-;`"Y<`!"JD&4.#CH
M4B%5AJU.CJW$>C1FG(P`>XKJF(:.\CM*[WJ4<[Y97733C.<FG)R>6WF3]9/_
M`-3]WZLD::H-.$8IJ*BL)+$5Z1_@O9>A!*-@6$YA8#%MS7%<ESRU6%+Z#]FH
MV<4ZI6`XB5(1+DH,&0`8>2)ID2T)=7Q]Q?%N<XKOU[SZ^;&QV78[=4:-O8NM
MICZ1G.4HK^";:7\CPHT-'6L=VM357;+UE&$8M_Q:2;_F;G1,ERK7Q<('K.9Y
M]J`4:0;+#A&B4RN786/*-(4VT2A#[*-)Q(I!MM:DI>;0ESB>]YSOT[YYZN[N
M:4W9I6VTV-8;A*4&U]&XM/'Z'IL:NKM14-JNNR">4IQ4DG]4FGY,@EF.:F:L
M?HQ?/:,5I5JYU-HIY*I@)U6LG.QX43O#]?E#W1)CG8HV.UW\AES_`*X[:?\`
MPA/.2.WMPNCL0ML6Q#^F2DU*/KZ2SE>K]'[L2U=:54J)5P=,OZHN*XOT]5C#
M]%Z_1$@KU=K]1!"*O4P0:L5FOCXH@#7:\,A!0005!93'@C!`@:Q&'C1\-A"4
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M5(L)C/\`.JA3"IY"Y'):TF2%<#C991*I7..]X^M?.N?\O_/^?-K9['L-V$:]
MR^ZVN']*G.4DO;PI-I?R/#7T=+5DYZM-5<Y>KA",6_XM)9_F?V^X1A^J&0=C
MU#&LITBPUCB4UH]?<\J-P,U[B)/YJ.`REA#D9PGB)G_;S\=;?T=_Y?\`U?Y\
MFMV/8:=<JM2^ZJJ?]2A.45+V\J+2?CZB_1TMJ<;-FFJRR/HY0C)K^#:;7\C,
MLF,X]<K?6]!M^49K:K[34H14+O9*+5SEOJJ&WER6T5NRE!<HR#2W(<4XGD5Y
MKG%JZKG^>][Y*M_>HHGK476PUI_U0C.2C+_ZHIX?\T6S3T[KH[%U5<[X?TR<
M8N4?X-K*_DR4"JA4P3\*4$J]=#R1@-BL#I`H(-'OCZU&?_*C5Z$[$C,N1`<>
M3SY$1&^ICH<_Y<1SO^?/&=]UB<;)RDG+D\MO,O3D\^_Z^IZPIIK:<(1BU'BL
M)+$?HOT_3T/PY3*>Z$(UIVIUIRN&)<^>6`.`A:PA2<5(.%RDTB*5%[!FRR15
MU<J0XZVI;TA77%]ZOO5>%L7JQ6J<_EBDE++RDEA)/U22\+Z+P3X*7!U.$?CD
MVVL+#;>6VO1Y?E_5^2&Z%@V&ZX1#&-7QG*-.+5Q*D5XIH6=U"Z$02%O?D*0&
MFV0.2DBTJ?Y]_>,*1SJ_\_\`G_/GOK=CV&E&4-.^ZF$_ZE"<HI_Q46L_S/+8
MT=';E&>U35;./HYPC)K^#:>/Y%J---LMMLLMH:9:0AIIII"6VVFVT\0AMM".
M<2A"$\YSG.<YSG.>:;;;R_4VDL>%Z%;U_%\=J1(L9JN3YI63!^U<O9TM7Z)5
M@Q(U=^1",#ER+3APJ-*)6KD$Q+9_8O+7+^*4\CY/M<7Q6W;O[UT(UW76SA&'
M!*4Y-*'A\4F_$<I/BO'A>/!KPT]2N3G757&;ER;48IN7G[FTO7R_/KY?U9)E
M4RGK!2*NNIUI5:ES)!&575`A:@4DA++KL$J=($=B]'O3))YQ4UQU3?5KEJZ]
MWO7.]5YX_/?\BNYS^5+"EEYPEA+/KC'C^'CT,_@I=;J<(_$WG&%C+><X],Y\
M_P`?/J;1T.(>*Q#KPL<Z<'PIHR`9=@QG"L(:3>A2"0^(14UV7&A$)`V.M]I"
MTMNKCMJ5SO4)[S%634'6F_C;3:SX;6<-KTRLO#]LLS<(.:L:7-)I/'E)XRL_
M1X6?X(K6M8#A-,NI32J?BF2531CBIJS5_K6<4X%=2ZR2OO(K*6H6&BG2"IZ_
M\O==?7UWO^5?7S:M[+L;]=:E^Q?/5CC$)3DX+'IB+>%CVPC6KT-&FY[---4-
MB7K)0BI/^,DLO_,LF:&#DY0J<1%#2$T#,=(@YDV#%ER@Q!^#*&/3A4A]IQX=
M,>&SGXZG6>H6IAY;?>_:M7.ZL;)P4HPDU&2PTGC*SG#^JRD_/NLFS*$)-2DD
MY1>4VO1XQE?1X;7CV9K!],IXA89P55*T,<KK)>/7UCP0N$L%'L,EJ8?8#*C1
M6U#&3DMAMV8EC[$R7$)4YQ2N<[YE*^^?)3G-J6.66WGCX6?KA>F?3V,(T4PX
M\(17'.,)+&?7'TS[X]?<R.5>L\C6&%RN@N0[:]+DVN)P0/Y&LTB>.CB)TBPL
M?C_$:>FB8C45Y<GCJG([2&U=ZA/$\GS79C+E+E#'%Y?VX>5Q^F&VUCW\E^*K
M$H\8\9_U>%]V5AY^N5X\^W@0ZO61TB1+'UT%`E2Q`RORI,,0/BR)($+R8D.$
MD/,1T./"!*2$CD:,KO66./N?8E/WJ^J5ULDHRE)Q4G+RWZO&7_%X67ZO"$:J
MHO,8Q3:2\)>BSA?P67A>BRR(TW%\=SJ%%&Y]DV:40=!D'YD*!3:)5JQ"AR[7
MR$FTRHL4(*@L1Y%E2,C<(+0GBIG([?S=7\:?I[W[^]M2<MFZVR323<IRDWQS
MQ]6_Z<O'TR\>IY5:>I0DJ*JX)9_IC%?U8SZ+WPL_7"SZ$KY4JKP(+K7*S7^5
MP&H,L*`X&'<"!UUV1%F5]0L5^-^"/4"EP678?6FT=BN,H4W]O4)[SQ^>[Y';
MSE\LLYEEY?+Q++]7E-YSZY\GK\-7!5<8_''&%A86/3"]%C"Q]/8^?OLCZU>U
M>YVRX"0ET]2Z?0K,%)U"L:[-P2TV3VGR&EV<'T/:XE#LQ#0%4YRV/?FSEC2B
MH\2+"7);4\/E]95Q_P"EZKM>FZ^FN=E>[/9A)2E6KHQU[)1>8\XJ'+CX7*.6
MWAXE'/C@=EUO:[ULX0GJ0UYQ<59\4G?7&2Q+C)RX\O+P\)+/F+QY[NS>@5K)
M\[H66TN([`IV:TNK4"IP7GU27H=:IP.#7045Z2OG%R'8XL<TA2^\^J^\^O?_
M`#Y\[M;-N[M6;E[S?;9*<G]92;DW_FSN:VO5J:U>K2L4U0C"*^D8I)?\$1J/
M@>%0[78KY$Q;)HMYM[T61;;G'SFGL6NT2()*$8A/V*Q-!DES;T,N-CRFE27G
M5-R8[;J>\6A*N>K[+L94QUI;%SUX?TQYRXQRFGQCG"RFUX7HVO<\UH:*ME>J
M:OFG_5+A'D\--9>,ORD_/NDSWN&'8IH5HK]WOV/Y;>+I4_A_BUON&?U.RVBM
M?CR>S(_\?/FA$TL&^"9WKJ/QG6_M<[]W/HK_`#Y*.PW]6F6OK7W5T3_JC&<H
MQE[>4FD_'U1;M+2V+8W7TU3NC_3*4(N2_@VFU_(G12O`#CX>4:!AS$FO$T&Z
M_)*#(1!\&9;C282"X=Z6P\X,)HAS7FN2&.H=XTZM/W?:I7.ZT+;*U)5RE%26
M'AM97KAX]5E>C-B4(3:<TFXO*RLX?U7T8[7@'3Z;5T&'[:$"%U]%DZ,A=/H`
MNS&R+@1)CK/[%(AP@TE]4;CGP]>3Q?4_=SG?'RV?'\/*7P\N7'+QG&,X],X\
M9]<$^.OY/EXKY<8Y86<9SC/KC/G'ID\.56K\#E:]RM@.`#RS3AP'P..X',KL
MCTF38EE1GX_X1%9Z1-><F]>0OLI;RU._=U2N]OS7?)&WG+Y8XP\O*X_TX?JN
M.%C'ICP3XJN#KXQ^.6<K"P^7KE>CSEY^ON01[`\*DZ##UJ1BV2OZJ/1%;'Z:
M]G-.=T&"B#"0-A(AW-895CC(ACVTL-<1)3QME/$)^B><YYLKLNQ6L]);%W[-
M^M?.7!Y>7F.>/E^?3U/!Z&B]A;;IJ_=+_7PCS\>%]V,^%X]25%,\H!P!9:F:
MH]/+U:YR)TNX5HI60I`!:Y13K2B<FRAI<)T<=D$5,(Z^N4VZI[J$_?WOTYYX
MPVMFNR%T+)QNK249*33BEZ*+SE8]L>AZRU]>=<JIP@ZIMN2<4U)OU;6,//OD
MP:5E.79K`BBLZS:@T$7"&*"0QM*IU=JL"(&5/EE%"(L,$.@1V!BB<]^3V.A/
M&NOO..?;]ZU=[EL;NYM2<]JVVR;>6YRE)YPEG+;\X26?7"2)3JZNNN.O77".
M,8C%1\9SCPEXRV\?5E>#,)R3*'S!3$\%R&B6:[?,-LQ^DYQ2JE-)1):^RI*[
M',!A8$DU'>?3]ZDR5.M]=^BE<5WZ<[[V]EO[D8PW=B^RJ'F*G9.27_TIMX_D
M>5.AI:LI3U:*:YS]7&$8MY^N$L_S+)H%"`YY7X8``-&#(D6.S';B!QT02*AQ
MV$]XP/%"X#,>$.&1.*[QIEI"$)^O>_3GU^GFK==9?8[+&Y2;\MMMO]6WY;_5
MFS77"J*A!)17HDL)?P2\(G'GB9E9_I"]M,\FV.-T>#%2'$CPREI6N:ZVOJ/R
MI2D=ZA3+GV__`,2/^//^/>J5[<HUQQ#S)^YAAR>7Z%F<YSG.<YSZ<Y_CG.?X
MYSG/_3GGB9CP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P".!+A4;-/L@J
MMVFN6`I3BR0%N&A#8PK/JIU<*,20%LD.!*D2`990Z8R_R-*2T]UEU"_M^U2>
M]];*+JHQG;"48368MII26<9BWZK/C*\9,(6UV.482C*47AI-/#^C^C_B2/SR
M,R(T2_TG4*J+O.=6H#=J<;402(L]9)13`0DH43FA27(1&$X[&D=@EAS\9W[5
M=^QYE:._Y3WGGOLZVQIW/7VH2KOCC,9+#64FLI_5-/\`@SQHV*-JI7ZTXSIE
MG$HO*>&T\-?1IK^*).J3&1(:AKD,)EOLOR&(JG6TR'F(RV&Y+[3'5<=<9CKE
M-)6KG.I1UQ/.]Y]W/KXX>.6'Q7N>N5G'N>_D*/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X!I[#,+#@!P@!#=L1R`')S`M?3.BB^G2T6$^^.#<)SE)A#NDYB$,?
M.]WC3/W_`'K[]O.^9U1A.V,;)<:W))RPWA9\O"\O"\X7EF%DIQKE*N/*Q)M+
M.,O'A9?A9],L_P`PM)_K=_LYR4%ILP%;Z0]=/=6G4*V^R]DQ2\'<>OU"WT%[
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M[W0[98)^=9M[5XM:K+*]F;:?MH`)9KGG-EQC3=@J9W9-`J=GLEU!5XW&L8BL
M$C`>.9E#I;<=#<-CL#D=[W_3;76;W7]=9",;;=>V,?@C&+<8SC;75*-4)1C!
MR@X2LC&3BIQS]SY=/J>E[37[+4WMV$Y?'7?6W\TG)*4H.N=B=DHMR2DI1@Y1
MY.+Q]JQ_H%\_-3[X>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@%$Z;J5OK][H669K3`5PO%V!W*YR7;=;Y=*JE:H]"G4\2<*3
M20NK70P1,SC=[&1($&/`ZESCCSSS[*&/M=%2\99&I7MSC#-CJE/BD;"7M=V)
M_JJT!$U8S(FD7VCFF@)SJ''HT>&U'&S,@/+>ZMU*_@B)<0E?'6_N##*Z#>_^
M'SZB$MQ@/J]4C&:T!,_@&<RLLJ9"L%FKT6X@LU<>`1S(Z9I1>F363,43%??=
M?&.H>3WZJXCP7B_0R5?V`^N46)&DFBEUJ[LHNR-2-M>>VNNEFX")!\>:MCH\
MH.CO\IU5+U(M")$4\4S'E#G4I^_BF%/!Q9:F3^S&:[38YU8HS5Q=GC:Q#N$Y
MX[33E9AL`"YLN"KL[[SL:"^ZU:'P$U\<M#:FY,2,MWBN)ZC[A&FO4K'2O=[*
M\WM1:N%E$XG*#8WH.I=)!RL>:%K,C.M6M@&SUJ*Q'D?R"*<L68NC&N=ZS_AS
MLCOT8ZRZX*HMEKTSV/S:\Z!(S(5VSP;4P-F3.-G:J9$B9)$-`K)*UU>`?D1_
MTT^U4N+<AG[2$R\M4=<E2$]<5'E<8$::62IS'O[ZW"#%E`\.VPP4J=@+@BT:
MN4.TG^\CUIB^/6RT1U#!TCCM0JKF76)B=/[]K:9`EQMOCBGHGY`O%F:W[MXP
M.(]#6@K/ARD6HI4I1T'6K@8HPXZBVVD(`KQ*V/5X=&A68G7JK),/1EM\:CP6
M''N/+85&=D!Q9AI]_/6V2?FU818K)8+&S(_6B0H&EV(D1MI])0"-D5NHQFX2
M7#AJ$Q:Q4]Y".):0,(-RODZRW(4R'%FYA>W5+"^NN/;SHPNP">ZM21%N9J=0
MK%FN)^'QZAS=%LG&@0X6H_V%4ZL(FRYBG8[;K:(W6OL[(6TRL3#SA&/`]Y_7
MPE8@-8CF;2@G9CYRN!.RZ/9X4<A/"&R=30]&7*'LN/CS]U!SP@J0A"FR)2"\
MTSU7$??T7BS?X_[99YN%ZDTBB@[V]R%2'[C.M!.NI'UB!+@7NQ9Z5I<R<J<X
M\W;AIFMONJ90TY&<BJ2XV^O_`#S@C37J5U4/=^C-TV\V_6HINA]K%[T$3'`_
MPBV/&6*?6+'LX6NDI<:.T5>,E#X[!+!,5^$VE"'$(C);4YUM;XKB_1&SF>[-
M!(V'/JC2P5S*66TZ17*);QANEV@'W,/W=DLM;2F^R'ARHU9-$I5/)=%QI*^)
MG<C?7BDI>8ZZ'%^Y*]-]RL,R&PV*M7HO8QDRJ$@@HW-:I]AEA8\DQ5)-]E=8
M,LP>P"#57HL19<OV.MWH^&IO[^?*\RTX(HM^AHH/O%BZ:28O%JC7VA0@4LVR
M1$VBEE5'4P@Y381K):-``I-)G0#",,L#\7X%N.K1';2I"7'FT*%XL_7_`,X\
M21.>$RXFFC#/;*.I8L07S&V")ECN4LP`!$*M7W",&-"(&:T1M0YLDW\R$1ER
MT-_<IWBT)#BRP-9UVX5&B`[C0:*./R"FI4_,Y8;1S=ES"1%5<M4%Y#!/1>,T
M.XSID%NP&6)S7WQF&IHCOY##JOD:2L1+)1&??V`9D8H`6P:"%N-2N#T243L%
M6%T>Z&FH-7&.63AK3!$KH./*+Y*&;J4_KYWC*&ONC_;QOJW6$.B\7GP6$/\`
M=[U\)%*,+CV(QSND7$O3*?/=K95`TK)%7,5FR#G9?PJ_$K1C1C<4%!E/);[(
M(N]3]G&VW74"<62V]^U>)9M;7Z/<;-,%6:.[8&E#^5X[+XM-:S3NL$9#4F)`
M>C+BNU)"^17.+^V61;7"9^^5SXO`PV4G0_[`<M,9X&M5\"7NGV-Z!)-6"LL9
M]=2+@FHCFS$DSIC"DAN2)N6`XH.3V492CXD.,_9Q*EN,I=%XO.$7GK/L15<>
MLE:#V*(6+MVL0Z\!%4T!9[=<SAUX\#"B1H4`"!S(,F%)X5<6](=FL*8^Q*NH
MZS\CK0B62MCWO[ZP5ZOAK-+NY&0-/QRTT:B#5;&_.6-!JFR2A.1!6.:D0X<>
MOBIAA'7>(<D"8;K[*7/HA*Q>+,27[[8E'D")3`_0B-,-0-2E0-$@U"0Y49,O
M+;M0<WEB8KSDEHK)GVN^:)"$A^)B_9)G<ZA?6DJ0M0<7_,V%&]S\ZUG3,UI&
M5L&+0"NHVTS"]T?KY\97P9.O5(%:U5!HO*@(&2+I!B6.'TB.4XEV(EWO/JIQ
MI]#0<6EEDE"^U^=3-(_U23Z6:M3]Q+U./.$5JW3Z?"DMV31*[61]@MLVOC!`
MNQ623EQE#<5*WFOGB=XAY;;L=QX3#QD_>G^UE"Q^^':7=QMBXD73Z5;H$JL!
MC%O+%HMC7KTNR.)K0(9*G1!%!K>1229":I:TJ9D):0CK_P`3;X)-^A5X;W_R
M3]27D6@;>(Q>!<[T!$CJO0;A:&;=6:K8]CC1+Q494$2I!VM=J>+%I\Z8U](\
M9UCK25.?+&Z^+Q9W$,)03(T>8%R6YHPK!B$ATQGO>LRX,YAN5$DM=5Q/>MOQ
MW4K3]><[].^#$@^KZE5\9HQG1+IPQRLU]#;Y>0%$3#4F##4OZ/SWXL-"EMP8
M37.N.N=^G.)3]$_<M2$*%2SX(M4?8/.K[4;[>Z<Y8;!5,^)'1!$M`K97K9J?
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M[[<Y!7<R@:X11H"J86MMGIXEV%F-YGFB<RFBK>>LIB'7(@-TXJJC`-!,3OV:
MF$Q'HL)3C*W..,_("BV\&BG^[V"B!`0Z;(7,&+-NWV&A\QGUN@2!Q;.@Q2QG
M0)48\+X6B'9(`0],A1>,+=E,*:ZGG%/LI<#BR!#O[",8'Q-!EZ&LY3UT?12-
M+DC>56USBXR(Q56[W%7<8"`R5U:SM4.*0/S@[W?SH(6#V2XWSCT=+PO!^Q;8
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MIK;,=,AV3V.W'6KP'$PT>^>2$CD4*%@6QF(RP[,M-NM%;,`J;3$BM,HV>6`#
M8RC$(I,@6UI%\ASHC"HWX3K3S7Y$J,E3BV@XLD8GWBP4P7K(%F3?X9BRE(`S
ML`ME][%/5I!LC01=8+7-4X&RU50MMEZG7.#9$M3?)*2S??HGX9?XX<6;RT>V
MF6T+0RN=76?/@$H=EB!4SQ-=MQ@("'RQN4_&8OU@178]>J$=VQZ\(@MK[+D,
M*3,:<ZZG[)B(@F&R+S/>W!QXM!@@WIT"%+`@K,&5/R:^0'+"$MQ@R(I$P(W,
M"L=ENW=%;)S1D97V2GAHV3*6TVTUU7@O%F[[[IX,NSBZ?#-GR5AL<C/44Z`/
MJIN1V[0-.&SC-7.U=[\9#,X$X(%RI+TAQ3*4,L=ZGB^K:XX)Q96MG_L.P_E:
M+3LVD'=`LT$A"8B@(53M:65`)I>IBXVADIL<1(X+S0AVY0?Q#3G.17U/\^G_
M`!;?4T*HO)8$_P!O:/5-BOF4Z#`.5:/7[IGM(JMSY7++.I]B.W^HUFR1`<^S
ML"E``]@C]-R7EQEO_1H7!=F.K0A*N<#B\91A[U[7-9IC.9;'00`RTUO3=+S*
MF,VB[E#="H5-J^@FOUS6A7P^U6+"3K56>[QF)$F/0>1?SB<)3[C4=:W.`EEX
M9%KW[J2Z#1M)L)+(ITJW4C>96/!Z%"N@R3,L5<')IAHOJ$XQ$$28==""*+;N
M%9,7XY:FWTL#^O?E2VTI#CE^O@D>G>X5:RG3-*SJUBI`M%3SNJ7"LVZ:-MKU
M-*G+$(U8UVJ66Q@JR=C5T@[`RY]<)I#<J5+^JD(9ZZN,V^"CE9(=6O>8*LT2
M'WFOL`V69)@<#'U[^36NW6TU%M5=J`<)6*^+K3[)(F6+V>(UUIR5&6CKR5IX
MXRB0['%XETYI[8XUKEL9I]&)68A/E#79L0E.I%L"5Z5/B5RJ6TK5V3A@3"@*
MMX(!=1S\\;U7),13CC3B4O,/MMC%Q:]2,Y9[IY'JDVC"(@W1*D<OJY,8<,N=
M%-"FQ17\BY\!@+$:CM3J\&/6T30"I$7%<E_?(@QTJ[]BWXR'A7%HJDO[NG@H
MSW'.%J9F]8B>J=]'5M0:_P"G6.I64U570D<LW=["/AY=:'`(>^\D-JJ$B&@G
M"+MNJ2\_%>BR6D!Q]/U)3E'NI`TW9RF0O4T?5B'*O?#X4;-N\$CH<%_,V\O[
M96M%H<,0ABCC#+FJPU@)C90DV6AQ'I'T90XQQ8<<+)#H7]@`,[G-'M-?JSC5
MN.5JH'+31;9$M]3+A56N3D?(T\.@I5D,F:I*@:A\\0@MZ/V5UA*&FG%)E\B!
MQP_/H3@5[WX_!`-D]`FS`,J*'F&[.]7*Y=K37*8PTQ8W1(VT'F:O$CCK#9WJ
M<6CC(:./_GR87Q1W'5/1OG#B_8Z:S'4*QK5>DV.KMG8C0\V4K9@1:*\6JMD!
MG1#C?)@PR`-Q8A$?*^!]E]'%H^BX[[:^=^BO!&L',8[W&_CMOU*N;-4!=1@T
M/0BM,$D<]+7C5)DX!7*=G-ZMFF7,?'RZM1Z!1*F&UL`R0F.RIK<>9)6GJNM)
M;=<%X_0UYGWVSZ/F\&WPZG>`-CM(+2B5$JVAUR;6D'BF9SK;&*!))2)^UB0Y
MD^#2",^/Q*G.*AM)4KJ''66W`X_Y'>/@Q'@#P!X`\`>`/`'@#P#!(E!@AAJ2
M6(P1D9^<-%L2",N/"8>)F2$82('-.R7&FW)Q4I,9C1F>=ZX_(=0VCBEJ3SH`
M<4&&(ZY8DC!*1&YI(:Y*'2X\V.V1#$90@O`6]&<=;3-%%H+\62UWOWL2&5MK
MXE:%)X!G>`4/LU`H-H+9O8;'=K-FES$GY=5H%PIME;K=@FOW-B,^:H/>3(90
M0>#VQNL1WWH,N(_SYQK$AGK4B.TZ@5-_R.?3/J[ZR0=#:J![4K'%MNA62MWT
M3E1;3@W)189GFB7?6A`BK5F=#58XM5%:%<RQ)<D>ML@E7?@_-Y&82PD7+)=#
M]%L8C_K&))322H@1(!%(5=)71YP$BS58;%K-7N"X4:#%4[9Z_G\"/6X[ZE]0
MH.PCCS;LOZRNAR83ZG>O%WL8RY`Y11^S9O:)`EHR.+CR[@@B)M=^M-DJ<V%8
M!1L7QDB7TV>F:GL?DIM"(O6'6'([3G`Y,W609;Z_$K96M-RF]M7OF1T\YBU>
M:`74)::U5&)TX41L\&5+"M.D99^8Z,B?D,SYTAACK:5M1VGE+<4#;]&0TKZ@
M>OV=R+OI4ZU7*G*.ER!*18)5G&*'U.9<2&GQ)+0J*7!$!<IHF9W@]SZ%F2:G
M53VF%]7'CQV6@Y-^"?XYZ?Y!A9X0;HG;@EFN5^4!K-=-VF::K=<>+BZJ'M%A
M$#I3?R,V*VPJ4.Y.>6ZXRE3;O8S4?\J5\PCDV8<;TQQ:(NX(9C6!L;<2^CFI
M`A@C!A1!,O6@ET"WY`N8/%1#CT8U_/RDEM$^7._!D/)Y%ZPRTVRD7DREI'H@
M,*9Y<(TX['DZ=91VI]F#F#=@8R)BZ:*UI@8)<"->9_\`Y@FV.C9WJLH1%DID
M1ORFFF7UM(D-17HP<O/Z&VKWJIZOCPM8,UC02%>9O+N:B:'9`MMK`B<6T;-J
MN%"UVS48P1#R34^\$:?F7&9@],F6/FPXTQU<%2W)3RPY,U>MX[F^E>M`?+L7
MU&O@!>%5^74$Z:=T0Y$G9S47LQL=`L98]:(O'G3$Q50+O+G().1VY2>+>[+B
M24,RV03><OW)97?4KU?U&L5VSU(X[;ZU+J&F4659*G:!187=ZQH5FNARU"Y!
MMF*3D0$B;?<S+T%X/*'S(+DA;'7EL\^+P.31-Z?B>'^J+4S3IV@$ZL-BB#(6
MTV;1;D"&UTMVV7--GCRC7S0`@*`2BV0@^P+9@(@L(007&0POG6$M!ER-*8]-
M<&TWHNU-&KI-KAJ`;+IAUN]OIJ-N:NTK6ST2P2N16GNDOP.;W8W!CC+Z(_&Y
M[2EI>[%B*9#DT9-O];_7ZB6F7O5JN!S/(8V\#=)N,TGH;=9S\[:8MC,3JC,N
MB2?68;T8%8+K-;&QN2&&7'IZ6W$OJ;B\:#D_1$FMGK3C>OD8>D_ED9!,Q;JY
MJP6V`28@I$>EQZ!#H<9X2P9%V"OO@+%1VFFGN<CN??WJ)+#C4A#3R!,M>"LK
M=Z9^O9VRC*Q9;?H:9=JC:*5&T/E_=A0#PQXAHDTKUL>Q!;FRQ]`D^Q)KD#GS
M?^VX79^?KZHT-3`O)X+'OOI_DNA"[2(+/6V!$NLC0E6G@DVPE1<=JAJFG;V%
M<23&E&(P\S+H@_C:V$-3('$=7$?8>^UU(F6B8+'Y8?I]/JA"[3+&'*:ZS(J$
M\E9G9Q4MH>7:*7U:/5(A3O$OSFZ<;S:8Q^&K[NH&B'(ZU*XA2NAY*>7Z:>O%
MY#"Y`,I;?UT*LR<N67JMZE(47H@XK?AMRSPI.:1)3)"V&;;B4,NE'QS..1F.
MLO1WXK;B1<M']K'J5@0K;)V@!K!8)VR"C#>AVB5()UN?-EA;;*;"`!982JL_
MK!U=;GY*MB%)@,PB[CXN3\\UY;DGKH<GC'L3?5?6;!])T41?]"8?Y<BW<VK@
M1/\`*9(9DO(R2]3=IKXL>)1(9:)3I<D7+26;;2MTC7VGXK_%1$KYP1-KT*BL
MOKMZCDFLX`2M(<!RK[4_]>41(;6H4`MJF<\BV!VS4<4O\AYZV5BTP+@OA1<'
MG9'>)B+9D1W6V7.C+,CJ&XXE0[U;Z3>#L0CTYGW>?QKL$D_!A1^)F19R4R83
M/T9E(2_#1].*_P`<3SO/_'?!CGV.=)GHWZT")(2.GIH%82AC,V:F0DV*&4)?
MM<;R([G8."!&6P<=!2')F6?M.%6NPG>R^J>G=XB4TW(:%Y,VQ[T2Q>T3[:7/
MD;\3,7@Y8#]D)/'QJ%D)9GN>2!C;D!@"R&4BH%LFKD\<XJ,J4N4):[.=F-N/
MMNAR9O*EZZXUF>P4^PP;7:FKQ)"6,A7Z=-LD.)73Q&!4Z+0;QH**8'$B1*[&
M_6Q0*--<CMLP8_>I6Q&8<DR%/"9>,>Q,HOK+ED.TR;@Q$.<-2KX*T=U:CLQ4
M;MG#'],LD)Y,;O\`UIAI*:T8ZIC_`.A2%M)[_AE/@9?H1K2O4K,]3M5BMUGL
M>C1[59F1<!!('<UAI86GB:U::D2H];:C0OC@5*PC=!,+))ZAV8N62_(;DLO,
M0EQA5)KP?WOIQAZ98N7'$'(?`HBX@A42)89[4*")O"=>;,PF8_W*YQIIG;CK
M<7Z][V.A4?B?_P`71X)R9T@`"0:T""UP6EU`P`)&A!R'W5/O)@BH;,&(EYY?
M_)YU,=A/%*[_`)5W_/?!"K-UP>E>PM1@TZ\R#T.`,-J/0)M<GQ8)&-.>KU@J
M<SG.SQY4>\U,KMIGQ_J['6Y'6\F3&4S+8CR&A4\%.U+U=PBUYWH::[8[/:ZM
MO`ZA\FV9L\/?=_49E\;6?)!NQ@D4;/:KKD1//F*1B4@DRVB,0<EQ&FHZ`RTS
M;6+UJP&LXT/H]YD%>YM4*SI=8ESK%8GVW)`G:OV`VZJ,SH34-"WRDBPN\C]:
M;91$<<1\*4<2GG!<MOQZD/N/I_B@@6)N]UOU\$LY'4'&:]<$DJ55?X(V/NP/
M2YEQCHJM%!B7"7#]7ANNLRXTD3]K*E\A<>=?=<!-^B)UDOKCC60VX`,SX[:H
M]ESFFI9FA2%I=-ODZG>P-.H@Z9;$E(LF3.3/5Z]Q'8TEMUEY4\=)6I2DNNH4
M(VWZD0D^A..2!J1B+-KL1#(UNHP9D30)#1`;DT8:0%0<4'RU#W%1\S'Q";WQ
M,_3I3BE?54Y7@O)_H7*5]?\`,35$!97-:**KM91;GQT-HY(:)MM7RGZ#0#CL
MB4COY#K3X+1BS;/>\^C3W6UI_P"37/!,OU*>LOH-@EIL\JTD.7=F6140<,08
M5I4U`+/3AEG$-.OJ>@R"<%,"%<B7V-0I,5A];Z%RFY"XT7K`O)H\3OI?ZYWF
M[VZQP9!H?>$Z&S?+FX$-"R3:-`GU1`J`8.U:S![)5GC/,Z..C8[TB`N0D1.2
ME*_JQ!<BAR?N9MFIOKB'B&<E);8JCV6D6ZV^T8_X-+KH*]9(H\6L)VUVD0F=
M'6B#15=N9=N2T5BSH2!YAYES_H6QQ`9EZ_R.;N^IGJ[(-TLY3O8>1`H]DI>G
M7FPBH>IU]R9?L94/*#;%P5/AQT.3,U%R=)FH/E74R"/7"$;KA)N0U'6D7D_H
M6RCTM]6-NJ$(W3K;835`/PI;`^90[X,*UJ<R[_L\$=4/FJ'&41B#X_33`E]U
MAUJ6/2RTF.J+*84[T3DT3\CZ-XY--QS48MI`;[5VOI$2(N2V0YMJZQ#0RP-S
MXTH?,?BR'PME)0&)D%V&0APR$EN/(:X\YU0<F5_.]3_5#(8E4"7B]DQ<6WFU
MU6")NMY`AF--+%S&9FH%6_40A8*-.5!E9.)_'BB68G4L_D?+Q?'UJ\#+9(LK
M]<O6([RQ2*7H!75C5>L@*N7.RKTN+;3T$YFMERVR5JJV24'^*/$D5%W(`,5#
M#C+;ZXK+W9'7GY4E]P,LM^U^KN1W6QVRSV,65GS[O,"3+)&49EH&$.@2>2E8
MD94%/>-(AOR,5!I?;Y_AUI,A'?\`#Z_!,M$!E>D.1D*:BF%C.@G(XY&>QJH9
ML1X38C=+'920M\S/18-1RO$!!&%6X=[*0.?N(A1V9"E=1,7(7Q+G!>3-"3]!
M<,E2+G)D%[["@7^9&_D@IDZ!CB94-ZXN7><&C<<K*Y<)HU=)?9B9+3R2@YSC
M+(N5!8CQF60Y,]V?03#X0<<`#S[]7@XJ>23$B5HZ)KZW*<3,U&PNYH2GB:]$
M)G*4P:H@IYM4YZ28XB-UA4]49Y]EP.3/;??32M:Y'UXP-/6)BU:C5RX=`<Y:
M2W,V`VLWFDS&.:=`KXN/PG%NE>S@O+8A*CRF65R%)<ZEM_C<ID%+!:&L>ME+
MUS#X7KX3.7&L9VQ`JU?(1*:5B"IYVG5IN)#=I96;+&D5?H#XJ+R-+['XQ+2C
MO%L/LN)2O@B;3S[D;T/TK];M6K]EKFA9P)M4*RV25:NR3#;<TK7R<X11@<]%
M3*R&G)M=@D!N<"$2&8ZTH?\`Q>=7]W?I]!5)KT-1HOK7A&U:)<RUGLEIE$8@
M"LU*]487<GAM39D-5J[P:*:)A41_OAV8:#U$DY!>9?;;=6['<>;><B1>L@FT
MC$M?I_Z_C81&XE25FIKM;X3MC-X9N2AS]'GQK!7KP[;H,PFQ*$Q)`8G4(SO.
MRV7XGXW'F7FG&77$*#DS`QFH>H-%+96SF.E5DD:M7;7;LTC=U`?8"-]?E4RJ
M4"[GQ<=9!V39I+L#.FG2"VN+Z@DB:ZKB5]=2@'R]R6T_TYRFDV^N6\23OLA5
M7+OGQ]<)6CDNK/'&G+PW6RQ`8D>R_-FTD/H9(:+4M_Z<A?C_`)7)+\.*^R)R
M9BF/3RH&KEL5_=TS91]MVB."!'C0>UAH,L!0`4,NPWFM24JL/H$U.=+/S)3R
MUI>*I><;ZS,:XPUQ`O+V)]3O7//J3<E706[8I4J#0(F6T\*3*,OU_/J"Q&!1
MY->J4./!BR^H*?Q@>J1*)/D9W_M$(;>;:ZIM0C;92`OTQ]<Z2-KHTQ8[J9?D
MN@L]KABY:"^1-S(U:12U5*B1B"68GYS=<CY+&3'0M+DQ?4S7)#KSS[SG1<MF
MIT_U*]3Z56BUBTNWE\_SN9$:$W-)W2$5RFV28Z]:FZA/LTHGQM2C%0(WH@^)
M4S(CI2^XVM]$CD6/QD%)^WJ7-5CGKSG-IUB>*V6L#Y8T?*U/5P!/3`"@M3'6
M.(,*+T&PP)4U'*V/>"08JD37W&HJ(*T*^O$.H6H3S@K^RXWZQ:=I-CK#>CO,
MZ7:UE]'NE/J>EQ(I^U4*^53+*;:@)@`VY*FJS*Y@\OK/YB8S;#O%LMN-26>2
ME?*+EI?H8\S^OW""!WIN=+T&5S[#[38IRT1T#F(YSNFM,Q([K(AHPQ``#]<-
MQ8,9,OD?C;S3CZ'Y+#3Z0Y/&#N'P8CP!X`\`>`/`'@#P!X!17L7G%@U7.850
MK1&8&)=U'$+*\9&$(@PL(#4?9:)=+"4#3)\`I#08@@0$ER*AR.ZEUY*4?3_E
M]>"IX9\V+)ZI>W*2;=7K)$HS6H[OL&RW?1^M2J]:;``UFW^QUD0U=)H:>&<;
MM;YFYU4E&>#"8:8[C;KSTS\B)'82,^2]?<F!#UF]A1)2WC_TMEN]4_:);S-`
M_>SX9RK8\(]AK-;+?C3[)2Q#W^EM<QN2/&PBRG9*V6T<&3)4"-&9?6)E$"->
MI'MN>KPX2^[-3?X%VSRZU33"&WGB,"FY+7!W6Y_K5(;<EN&Q]JXG\L<]>1<&
M41=06631+[,BM,]@S'^1UEJ>#ZU;[);[Y1B!ZAD7_4D7G-5JPZ]0H+$K1(Y"
M]$V:]:C#0TF26S7N'(J(9:)-:2F2MUQ7RI\I$U[_`%.>3WK7[?7/^;7V&7/T
M#0CQRWJI@Z3N)Z3&IU.M)GVIGO@7&`$Z95HI22.O5*87(BQY*X#D)KL9Y7!;
M"^PN5Z>W_D3[UCP7:LRV8997Z"2IN=&%Z\\7K5JUGF@PZ*$L-L*V*F,5)<*Q
MS)SN@FY4MA!_DQDH+X*CQ6HA!IR`AN70VFOU([%];_:7/\_Q>I4LQ8[#(37X
M]?O#$G4QP45F\KFX8S?9$H,B$-$=-UF+0Z8='1&&FY9#[YW(KKGXTE]YH,K)
M6!/TU]FF0E4K$B.5OM>8%Y9+;$F-^M?X]7V$:/\`7LG?-7L<PP3F3K@*=,T2
MT-?K_P#W:9$@DI2(B6B,MYD7DC;5GU*]I[47G3M,?,@P_;A&M$.LU_<[B($0
M2YFY^K[FC/A6:W;7R*ZR8JU0OK0YHC.D3%1B:E/-QI1%]MJ$;C[&:"]0O:*3
M<6X]WN]ZGU'\K(Q7XHK5R<6O3,@KUUR%RT9U822+6S=9!T6)IIR:R]%AHX38
M,OLRB3JY3\9-]R\H^Q'E^J7M=7H,N/6JXARVV>S8_;K+ID77B"K"X<SK+J+1
M`GRR"]FC)5%#/U0I^WE.0B$N<W.@_CMNK7-=BAR7N7/>?5OV%LM3Q016IV>U
MN7Z]4\I>:G'/P9=I;/[HU?Q-BJD4;(A6"NL4]L36:M(%.F'F2C?85LF-<B+X
MVO[A$U_F;L/ZQ:NWBNT5:6"J*[%:M#S+2*W4C!_DJM6B/G=WK%^F9_:2D49-
M3!%V]NN+"R'^Q932&I:G%LNM\4VH,K**B]QZ[[=71N7JM;H5DSL'7<AMT>>%
MJVJI@WA]LA2]?#F*B3FTFQEF%F"=GGU6:&D@XG514I<E29O)$&+%X+'CZ%]#
ML;V4'G>/V!%-[:"^0^Q=[UH)A]ET*(7*PLYLP;3Z=5JE`T`\^6!S+E0(-]8+
M#DRYO1[/8W8#4UOB&)2!CE?\"MSOKO[+7G89=A*)L=>J)_1:Q9[V^WMQJ+%M
M>8KNN,6$-E<&L5HRB/79F5!ZQ8H9!V)R/&,HEN);>EH+34LBY6#99KZP^P+?
MKE<,[T6ZW:9I5BV7"[23.R;>%DLLKSW2,LL5^T7-B\J7<9(Q5K8JLXPQ')QX
MR_V7^/UT;CG4K!M9RO3!F6K`?8JX:*S333MGG8R-T&:>*7%>T$1!*]TXY<,`
M,)K\@/6)`8W$=%A*/8XY!KOXL1[DU3,=*V)S_&PRL?J0K',8]C\FVG-=%TJE
MVC3"(NM.9T9O<35Y5K4H7HS'KC6!L/M1+S.-0(66KIEB)G"_66G9B$=?:<ER
M";Z60;36$>VS^OOL_8M$UV93AEG,Y_9;0]8`29^VRJ5<'+L1SNSUBHG0I2N6
M%,2%C^/690PM#%28\(NF;)E.\8)=A04K!->YMLQ]8MUK6\Y3:+P*19QM-TJZ
MW?\`GT32),(!7*_8JQ[&AC("/ER'FH1*PW.Y:4..JE\B*^%B8MI<E"Q[+#H-
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M2*.=`&87#!%BUFADF)6);$6/-%&QD>=(>CCI$J-)%RGG/N3CV8J.Z>PN85>'
M11M]RYT'L=BB7,`+L0@)=K#3PH.]TT+;*L279*V'6Q`O<H79AC<R<PA^+`9E
M?$\YQJ(\(L)G*E]PCV.J1NMU.N76YO6;83.C3R/UU6ZRNV,H)B>UE@G.SBB)
M$F)GD$SG]IJ@./,B)B1!<]V`AAM*X$;J!4T_\?P(W/P_VP,G;5F55L=O"`1E
M>%ZU,SE_2#AN7689S;R0.OX.NX23T($524]9A\^.J.@VF(R59;;7*1'4U/5"
MY1T'@'KAO%"W2O72Z-6"V]J^8:!78>JZ#JBCA`Q%M%:PB-1Z03H@J:2'#"M4
M*40RDN4B)^Q]Q7)+4B:X0DJ:I&TT;+(L$]AI&,6BF:FB>#)63V+R&]N@Q6GF
M$,P*`)=R`EK88$<#V0J;'5@Y8J]8W&!SI1^23@S/K-ZEV9(90(VL^/H4"`]/
M/:`3#KMOL#UIO.NUIG3(*CL_4F1<:+8"J<:,3[=1I2;9/?0`V-S-24.2R11$
M?AD";2UCXD3YW4B\EZ>Q8Y#U:]BM#;N-DN;MF`F[)8[87"5V+OUR0Q70DJG>
MT,NF`77:P9&AN.A]#OE,D/\`XS?Q]<&M*^]UD='YX')(^IE58,1:Q6XMA>_(
M/Q@(=@Y(^5+_`,YAD?';)O?,E*$O?+-2M7W<3SBOK]?ISP8%">U%&T"]T6K1
MLRBRR-OKNEU&V#Q3MB9`4XG^GZ03V/IC79@\D=H3#DI,A^(.>22:FLQ9<=#Z
MXOX[HJ>&<`$?3SV:IU%K%+R](^+'>72K.9DQM3L*"-:UT(2NLJ?=`CYR4\.&
M@)\$B/9)-PXCK[J8L5J'$92E]Y(R4DWY/Y9?2#V`-D$")5IL\JL%,G:$S([&
MI%'QG\O+%[_*TT1:YYPN_9G1US>LPLE!DBV%N19@:&VER"R/C)>%Y(V]L]0/
M8R6=L8,(^J35G^Z&-I1HGKUDDB*SCT[FW0!6(DJ>07,X859%VRM343WD24PF
MH*6W'T+%04/B91$)OIS[22[FV::DV"M0WCE0AZ-8JQL+A>WZA8P)G;IL+<`T
M6R380>I1:V_>QDN,%<<^C:U+^R"[T?':D"\D=16'UAUV=A.39_6K;-K]^KI_
M4+E:K4[HUUE=Y>[%E.PC:19)1-4N04LH^OZM:`)-`Y_BH,9,%M34?Z166^0Q
MRL_H4-G_`*K[[F9^H:<+IYRT7$;6ZO$)PCNNC!YR$-KVM6JQ&\N@D&"9<)+J
M1@=<>%!KDEV0KG(C[,I3#CC#7E+E/P;FI^FV^Q0]1+66R$Y.@AA'"DR?S:]"
MFQ&[X+[ZI1*W/;0Y.8@S8HD50+RVE+D;D=:BKBULJ61D=X#<?;T_\RX=B]<]
MJO.OV6]A+#,8%#B`P[F<9K2+4#B!ST:?ZR)?GR:\-?:$.J2)H-O:0B0W(9^T
MBXG[/I/?\A$UC'^/<_OLCD6V;)J!!<:@B'Z3F]0$%,?).W$-&@VZ_.6NG6Z]
M1[L/=CJ-!N&*_36ZJ(4VS+AL,DB$N7USCD9J/0FDOU-C2,-TNKEZ1J,FH!^6
MT>"]RCINLB;&(181A'V`UH-JM(SL5;)(]`N0H3]);,N6I?!K)3[GF^.-.<7X
M&?;^!`8?J_O3GJV&SH;92-0T8EMNA6&PE7K_`"%W+_5FX6V\UZ]S[9>:I"&C
M;%KE;S72))N+(A1V8G+**A)CN\ZTF9T7*SGVP4O.]8/=$W/`+NA(LZIRLW6'
M<+)ENP?J;9)AEJ5J%%C5@=.N"_U_9;WXE(*1&40X0WLOA!V=)4^U'ZH,K'@N
M+0\!]HK#']5;?790^IZ5GN3F<YLL>@7V76:C0+19K7BQ[ELFP##)V5HM$$@<
MVGP"%?6_(_.=E,(3UY'.38H9CY7L18EC&SYKZW;DW)I_1Q\?C'K[@U."YS=R
M35@T2+C5DL\6?>XUBKD&$6I?-&@WWC*$]ZLB-:C.N2%<Y]O?`RFUG]2$1O3C
MVB*VDPZ9M%R"TDP*=C4NIB-?GMQL\STCH%AG$<0L]CB&F[/._%JI:))BD`_'
MN\F0&(O)[<:$Q^0')'0?LM@6UW.X6J3GL&42$3\VS&NT`K&TB?7FZ#$I]_?-
M[+17:G()#QQ%_=L^ZR&9+<6MSZHZQ-=B1FFGU"1:]RDY?I#KTVK2V[$[8M)=
M?D4]R:%O>O&%&;%6*'`]5S-8K!)`\G_"QIL7:<TM7POQ5)9_)E\?<DN=FR'>
MC+DO\?S.F=EJ>S;>$QRW5NE'ZKU`71H\FD&K^]3S^8Z#8D`XV1;.;AAY7!%O
M[F"`\]V0%=>==;Z:XXRT_(C?9X,5A'-M=],=KL!,/)M[!JKTD>9I2Q.<*]A-
M$-OUL>BZX.G8W9!H29C(L"=+KE1N$A+3[KW_`+<\XRKD=V?+;;A>2_F5I3\%
M]M"CFA1$@C18@!F#<XT(W<-=LI.-JU<:I/K:P\-HE?L!0<&BDJ7+`V&9")3.
MLC9LV2_UU4E1&>TBE;1.A_IY[7JA9',.Z);HMB8-`'=&,5W4IEA,##@'./7X
M#4;S$Y;Y8ZOS1-3-T>Y-3X<>+UP@W9GI'X;[LI_K8G*))ZGZC:B_Z^[W1KSG
M0^58+Q9,%LO`,_83%K?TNPY-$S>3?;%(M1!QI^LKT&PTV8_`9=?2CZR4/RTQ
MG7I#;8.2SE%XX#EF\YC_`+L+VH:6*3"]8@0QPZ/JKAZ?I^D0+'I9,UIX1^RK
M?#YNNSUFP@1[$1WC*([HOC+C28L2,Z\(VF49D?J=O-4,TMJP!!$@=8;_`$;1
M;7;C-X@'+Q249A[`;QLL>#;),`+`BWZ_Z2)UB+#(D128T!L@X36O[F/@5*%;
M3*[MOK][+:L;V`K2H]WJ(+FY:S#NG)FK&5$]YIJ=.;_@\"GURPEQ@>@Q<M&0
M9+T'JGQT(BT\E#3CK3R^I%32]?H=/RO737!GKX>J2IAW0K@8W1=\O0LMJAP8
M?US,(EWZZBG2+LB5&B5,D5HL6)QV!"_`"OOL+AN=:CRGWO!,K/Z8.?N>FOLL
M;G7]\Y;;BW^RLVG6$*/5KA(75UR9=.W%.%%!BJX7<L/[C.YMUJXB8B;QB"U_
M'HCT9J3R"Q)6')%SV+UJV1GU]N&9YE'10+B1W[V%OBS`S1C`YNSAM0C:X3`6
M-@S`>=*B)2RMY$H>AJXTJ++'KD-\[]C3BPRLY?H6$?S#;\_]?=,S/)`J#A.S
M:18A-,:FWY<HG1,>NTR.T<,U\M?'9[<VV@!<PB\)'SY/8B2#S775]C(6RH3*
MSEE,AO470D]OU-[1:D'SZ)EGL6#H3A&Q0CCUCD[T%RA%3HY\9V%,[$CY6[G/
MX$N:^Y)9E(AC'HOR?1U,<7E[^Y=8:D;3#V2GG3^8P#%4Q7%AE2RL@-O@&+'-
M7FU"ZG#U`[96)D5)J%*AP0C0L*A#+T;D=J<^\XI<V,W$$RL?Q9W-X,1X`\`>
M`/`'@#P!X`\`>`4GOFI$\EH\`X#&!"9ZQ7BB9\#5:2[X"I#"U]LXZLPC-J,1
M81&5###G)_W]0TRIV4_\49'4*>XXD5++.9O6O7=`VT+[%ZA83O*N%(Q\^@YR
M(K5J'$/X-$=Q:K68F^(FW*NQZ,Y+*VRU2)<`O*C2(Q"(Y%7):2PTVUP5I+"*
M8R'V1V-)3![?JMW)RLYMEHO..E`T*PX<FS0-(!Z_N55BS-+@B:5QF]AP53J8
MF*1.T<L-$MS1TTBF(X/Z\ID5I>B]2Z<?U_9B/MW=\KNI`F5JLFGZ[>X,9#.8
MOTD#6`6DYZ#PR70B52ER-`DOW2AV<DY8$V;G^38YQ([[([*T]$:7')2=8_L?
MT6P$,R`1,0K=I/Z!7*5ISR<XOQ&U@AV=6^!1)DJO)/.U07#1J54CW?LR='E?
MBC>P(:5I?XN8TEL7@OJ=,,^R]\D9;ZN6=RK9T'N?LQ(%S(S1:ZFD9_40A"AF
MM31#[8^U>.6L=LEU,3R+$AHA1$2)ZW7.+^"/WC@F/+_0YVI/]ANHW2)2S?\`
MH@)7*S:HT*XH)6*Y&84R9GI^XX%2Q"*^-_B/7I]K!EMU^(IU_L4<MT.KD5UU
M,M*HXKCCW.WO5W3[)K>&YM=+Y,HKFAGZ@'/6\?GTJ<Z`'2C'Y+D/D6(7>>,P
M6WXS'^42.]_[FW4H4I*?KX,6L,^?VI^U.XT;^;WBG:C2SUH1IGM!GO\`H2Z!
MPC-2SJHXA%LLFJ:#/DU@?'U*/(FPZN-FD9)$@\-EHN41++4=OD-2QDDOH>__
M`,Z-LSAF94"V;!-9N%AU36X&;RJ_92Z^E*W6M9]FX"*^<0Q4$-BR?!&()&`G
M$=>C=;E-/3GD?BOJ>@XI_P`#I#'O;.XZ#I5)JUQHE9H59TIK5TY^1:LA:RE[
M$9S>\7JMR:C);B`(@VO6@=6L_?-S42W.1)+,M3`Z1+<'3%=I''".;-+_`+!+
M\5C:/FE*H@RLZ4$_;`A)M=S^6`U;<N+&HNZ15*75I76!=#D3J3'Y(ZT\N4FZ
MM*^-OL=*7Q5%+R_0N_/?=2V6C7`68G:'3!_&=&+8M<'1%W(3K`N_#7-I^MII
M5=EUR&X6S)M&*R4/2)+T>8T],=YU'T'.]D".*P5_I/\`9++S6VZ=49^/_MB&
M;]OHWK4"VK;E&[3FC]@OUJK<>,Y7G%QGFO65L'=VW?\`L_X&N1^H^UGYW(50
MR:HK_8)M0H?UE[UY$?R7LBIUT>)[:+-V38;1;9&\E@A&`)8IKY053[#4,'=_
M!<F<3.25-QVGV6V([KSH<5]2_P#8_8C1J7><]`TRJ#I%BT"A#B2*O?[8V!K-
M<FRFK&=)/EW:Y3[.>F&Q4*L.0T\C2NPW5.?_`$<^WY?+[$2S_`@/L7[';)'J
M.)FLF[1:S"U[+1&B]8LY8BW9XQZ5JGK0'#5X:2ABB(MT#(%ZS,C%W?PW9/8W
M>NQDI6VE*Q5%><^Q(<)]R;OL.TNY6]D3<$76HQP!?[D(,DIHL/=Z_P!*I<(B
MG"8,5'(T0Y*#N0H7>K26Y,[WCL9+3+KG!'%)9R<KL^[NS!B]?`6J\5^(BH>S
M&N6[4[$_6!C4=_U%;MFN5'+@+K4`3,5!F-6RMS!KA*#'<*26:),7WCCTAW[Q
MEQ7_``_XEBC_`.Q30GQMA+R,DIOX&>JZ,O*>74[#,3CYJQZ)6JDS5@SM3D_C
M0E2*8P^222D,RXZ)#C3;2W6^<4)Q(SM'N;HA*7K$C++","]J^>V\/6?PK`&+
MUCMT&8?<-0;LYB8W6S$MU(R2IJ*N%&6VOD@>RXIWB.OQW'J%'T3+^Q/V9T.Y
M5+<A$VCD@@_#J3:PX'2R!4@<D6&Y9C)ME(L?#O\`)10]Z>2G&*>DU%?1R4T\
M/G(1*4B0E:5B-+P<L4CWGW[A3#AATE5#Y$3E,'+-F:)0!]7KUC]I;A=<'"UR
M\FS<`5*E4^E@L_T.!:I,(6SQA^)<XS24\4W'ZV,N*\_X\%@&/[`]C*5(\<J6
M?Y"$[&*OT@,8L-WLY\4_=JT#HMNMIEY@760[<K-)X"P34!I[4SDN0GD66ZPV
MRXM"83BO<Q6?<;7Z3RONWYL'.$T^\7^\6$H&LG9"[3AHPE[6BCG\@9DU>&D<
M6SX)BZCL1N$IU$QJ(S&=>2M+KCE'%>A<NO\`M!L`FD8=>J%3%R']3Q_;]$ET
MZ`7IW)(^$"S\;;:&??,750>*O]+'(L/38C/?O<=D=;ZAUMKO?!$EY_B<]VKW
MTTX7GML$"8U?DG8]=.#YMQL=U'`[<W:;@!VURHF<RJP^C<#%@M3(Y$X[*8EK
M4ZRU*^G77^PG>OC+BCK>?[$Z$UBQBUE1]<`7O/O8*H9-<6*X0?L%9-16]"IH
M\YP-./A1A&.R>K%@_'ZMV(B1%D*6MKO?M;7T8X6?T*5B_P!@&B1QI55DS'-!
M1RF9:=VNW0&=-,.0C50BYAF.CB:MGLR92H4@M;HW-3BQS$B2PS#'1XJ97$.)
MFM-L"\4?N7[R[8HP4K03,L6+$*E8$4>SGN:M:N5<I:YD#9CD$A3'X.>$9!"L
MQ@^0.M3.R>LR&2DIR*GBTQ%O.!Q7N6GC'M[;]Q&[>8A9C+I%2I%2L9*F7"=+
M=GJ>/5R18@Q(0=@3!L"*[,Y*"MDXJH*I<50^2A#RT/<^U;V(XXP5$`]U+QEF
M*5&?I(B;:]',9AE&AICZ%=<V#'[+)TT-M!=]D:UE]6BUIH'`1DB'HW&(K\MJ
M*1[^3S[X_P!7!>.7X,HI[CZH9N-<SN4-S+/S%1VS&:KJA*/H,]Y5C%WK3V!,
M<7E4$Y4(#]BC-`(+B+!V9R"[&1*2J/WO_%?@<5C)]26'V)3#,F,\U)C26FWX
M\AAQ#S#[#R..-/,NM]4VZTZVKBDJ3WO%<[]>?X\&!Z^`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`K_4369@J08DZ_)JC%`E_B"33-U8@3*\245FL08`B4-),R(Q
M5XD0>::9B_$ZMYU24I0I7TYX*LY\>I2]BW+UD@N$<[=+9B<#O'I]"U(0Q(J3
MM;ID`'F%]M$N1HT"6M`]NM0*[E$T2OY$.M,/QOQ%\3^.ZAH,/U-30[WZZ7K.
M(NP5+.J+(JM2M%DPJJ%VP>?CT10$?2G<C+0JT1(.CH(JGDRBW%+&(>9=D-?=
M'Y&<E*3'6*TT\,G]!T3UKF5#0-?RX_EK]0@QWB>D7R@M`UQ'8]3K315$^Q%*
M]'Z^40*J#[4B(XYU[ZCW6UL=4TM'>B-/.'ZE/9'(];*IEV05LWCHS$:PZ=K#
M>+@]H!YK$LEG.L``<"MWQB,',V60+NY.-(BQ7))?H^P_G+0S(;0\ZVE8KSDL
M=&T^I6A5:M#>7G&+G22EK"U&JP'9%;.U5ZV#F@Q*L#1D9YJ2(8ELH)#7ACB4
MH0KLJ)V,KO7F/N$PR%4+>_4`U8K:&J<O)AT=&BBJLFR#HM18!WK1;M#KUN>;
M'SQS7VD#,V?P2MR3(^G9LSL);;CJEQE*%Q+U+])E,<Q1D?()OY]E[%UL<:N#
MWEM`JFW9K1/X;.L"VEM-PDDRCK:24]2>_>M+:94A7T3QY?!/+*C?V/TR(OR[
M;(N.$SYFET^R13%A>_BDHA<*'4$O0;'"LA%<=R81JXS\5<=3$Y78RU)^)"5*
M[Q/0Q(]H.C>J5T'&P4MW%IE3"Q:65:27>SB;6R8&P2P1BIV&,-_+F<'"TV^Z
M,LQU3X\-Q)61\C:/^YIUT/N7U-+)]@_4\=9<G,U,KEUHN^GGFLWH4^H\JCUK
M6-.VF>@[R--1QDI'KL>Q1YDJ8PE:?R7V7W4-NK0YW@N)>Y=,DGBS6@-9[+[0
M&](,BC-D9K<B"&182@PF^/<L$]MIV-QV:HBZ`BO2T\4IUY,%MUQ*DL)4@3SC
M/L0HCJGJM7K]WA*VXT*TP"=E9]V0Z]6&+B&L%JXU;2%2_-2W^U'SCKIIB=)B
M?>CK[Y&.MU/79C'RAA_R-8$]@O4ZV4$=M\>]9:BEGHR+,S<;"@6`>XLW2(3J
MYA3EABP"HXK-SY$=MU,E#<A8M+;:N=9XE/@8:\&VH#_JMIX6SYYF\'%+C7*R
ML<*MM(K@.HD`8E4(R9D#()>MQX/1[21UEADN-H6S]L8FQ+1_QD-/I2#RO4B,
MKV<P$_IV1Y]2R%'TRSZ!:+O3H9`&2`SF:DSGE0DV>Q+=F):ENK5^'-8;AQF/
MM1,:EK=;<ZTA75"X>,GGK6ZXW0+#8JS;LN-G"6-53,;:`DJIM3:`JYJ]Z5E=
M8&4*R6TN$""98X_'CMEYK[XT0(A/-NR)B&VG_@!)FMF;SBX#,L_]IX>/%U!;
M3!:%.6B!6,X'7FCUVQ'WESV2/["T#2Q\;+M$A;W857>.O%G5JE0F9B7$..!A
MYP7/<;A@6?V&JU6\&,RJEFOTKL>HA#W\?'$[-)8-?%WHV+);0]+2U9;SQOY/
MI]B2)I*/N^>:GCHBS[$3SJ]>II24`I.5&L1D2BT@XU6ZM1VZBE<M>?.QB)J0
M,#AF$<_$K3EACR?R$-\9;X19=;7WDII3@/EZO)@KOWI[0Y9.@_N<)J;U<.BZ
M<5K#$6H!XHFPW"%.[#KTB#'BL0HY$B+7(7)8^G%-15K7(XAI?>]#RS&![YZB
MR;S$"U*X9:5O.RVZ=G4EVHCQY4A<;14:H6,OA+48!CY")'!=:$S&V%DGO@[\
M+L9E77$+;X&)8_0LN\S,,J_0U;T1G.1+>B2)%3$B;.,!MP[2[-@A`D@$IF=%
M5#EL3X4`9`ZT]_UO<;AQOHKOP-^!Y*&M/LIZ9B\Z@&!E@QR\UJQ&1N>5ZMUI
MRF$F;/+,L4ZD]""AZ_M'S!W*O:A#'>?3\9X7*ALHZMN1&0X+B63&]F=0]7:/
M`G8OI$^#5B%NJU?@DX]='PZ^7!YKHUW<RN2;B6)T5T<-&N%K?,AO,QG?V"FY
M[_X[?R/?=T$F_*+/E;]ZJ0F^C).GY"MNJU`.09A<-@)_1U.M\0#"#)&,M+DK
M?@V&`>%-MQXW%JD,D(7.HZF5'^03#(\]G7K=MNL#3D`_7;;8O7V9(BR\^`2:
ME(!5JPG8Y^(N?8!T4.LXB9*3-G,.L?G('/RXG4R8[DF%_P!(>4C?TWV`];[X
MZ/K$*XYDU:K%RLV&=G[Y^E$S3)ZSP`)P.R09!DBX8I8UQS`UY*XLB5U2941U
M#BFWXZW`::,!S7/3T_-&LJM^&GR(,[5^`F6U50U.@6*XU[]76'0#33$J0DF3
MJ@Y4=#L3G5MCHJVUJ0RROB`PS24C?O2N74@4FGW'&0E61325P!"OUX6HI'4R
MME;&*G$8U<GCQ4H7!A$Y99#3?X[:G/FE+:0I*W5=%Q(VM#UO"R^;)WNKUFJ!
MZSH]L>H92SM,T8$JQ#JI>C>5#S1LW*FC(YJOQ(X1V1#CK??EI'*XRS'Z[_T>
M`T\X9FE=)]42^6E?8N5.RJWYID57L[[^AC08>X,T^L!!29=B@AWAPXD3AQ%A
MD-.?B0T?^[C.,J0AQMQKJA,/./<K-[;/235Z_H$^]3,AC1Z*8N-/LZ[=_&HA
MT/#L!:=19!J)/1]IH/'OL,(VM#T=UF7^,EGYOC6WSB!<27H=K!HPF&(%1`+<
M)D'%&P8P9D;\7ZYH2Q%::'-P/@[UC\)$-*.-?9W[/CYSZ?X\&)LO`'@#P#YG
M^_\`0;!89`D[45:4V>C87[%<AN4VTZA$!M6@%60Q#.Y1BI4RRB*^?(0CI.2Y
M%9ELK=F_\F>*4E*>(&<7_P!J/[F&W^TI#V8K^1W--;31PTF[C9]@-U(A4R>L
M!0=EV<,NV51$=B?`9.UM=/K''HK+S$%R&3E2E?\`XT.2V)A8R8^F7LU2=+]D
MK).E:!*W&L?B2?7"LRN:B1S5..NYA34V6WUVA5>9`H^BDJ]9I%IGF(TCCYQR
M0.CQT]9:Z,4H5+POH51_\@_=(^D@0JIZ$NK`F[!!KEA7@!B2O5PX6K^U]T`:
M,AMXU!X(3<.XA5A7(T9E,9:3[K\?G%SQ?(\&(_S(<=]Y_8EFK:49`2OY%/BG
M;_!#]!XP?:`YI<Z+H&TBP6368D^@U,M/+W5,\'MMR(,9XA)+2$-1^QD%(:XM
M+Q7N6>:]E_;ZL2UD9(D67&7:WQJ?6!CV7&0R:29TS:-DPG)DR"*S#BS@<*;!
M5(J;>?\`L=<@$)$A'P1G&?B$Q%ER^UVY>Q><ZG6JIDHFNH`/Y5;+@Q-LH(J6
M9O=M%M'43Z@)4*8<?78:J(A12L0<PY'=*.R>-K<2PAU2!(I->3G"];S[@T*Q
MFDS+G-*,B`[E12\YCT8%69,9S2L@7:-J5]S1CD:;G]/T5^'R,J4Z+Y&C\FR&
MG/@F=X*E%F[(>Q_N^.(4#BQ>>S)]KL9]O@M%4L`:E%Y]2'8RTQG`"W3F2!>>
M_I+-PLY4.0<C0W7%C(K24_!%(*>#$2[_`%,T4W:,[]D]#U:W6BRCE'A!HL<A
M4"]Y[)%C8WKEEA"Y@:96&./613]0L'2<%+@C[YO[&.XQWJR++ZE"/U21RGF5
M@NDPMD!`39]C7'L-KH=B]?:FJS:W88->!63V=(KW#-M,*3I!"-:3&?\`K.J`
MHBFSR)K(=R1,0)>[R.V]X,L%A6R7[)5FHY57JV&]B;G5:[[FV@K;[F)M`N3=
M"H&#[N#@%0I5N?MMSJUFG960STY/(2%0(LH8H:.A1%<:&]>YP3Q^GI_W%[>R
MEXWBO[0-!9`E86.5SAB5/N#U'L-[AQEA*Q[#W509D9^\@51B:4.44)"Z\IG\
MU+9'XON4IZ+QL1)8\F3[/>Q>IYIG.('Z4`)M72]K#&BHQ-.(GJX^J/&K<DS0
M"*X\0C8!ILVD\]^NC,,(E/-CY3BY,=N*[U812;-/[K:]M-#+=JN96B=7V++A
MVO$PTJD41J^7L#?ZU6C-C%6PZ,+P)8Q%`B#P*XC3T/Y9B#DN,R]'=:E,J:%B
MD_+^I4IGV4]HP4J!*C$HUC08L5S=S8`QB9]/-:!"-X/Y8H4DS!G/)KSM6Q^O
MQ[\N:KC'"7[?BVT<'Q5-K>1B)I7?9_VIJ)'.Q%]/C8")UHPR)^^E86>AP-/(
MZZ>];H]JSMKL<M(AT:30QFLFN19:WE.N+BM*D==Z.()?#$2?^U4G8J?[!'M.
MSY@K8'JW@]<@4<0_3CYZOA+7,B>RM@)%&GJZ2%RRCT\K3ZZR1&N.*8E,]B)6
MGCO(CB`CAK'^/8@ND>TGM7GY_M`%LRK/;Z\K8AO3$[&2[`#080^O:G.H5L##
M0*ITF3-K)NI#&2K;,T>-4S.C)^1V0281'!*+)%8MG]AHQZU9O>#;TE=3E_@T
MS@_(K2'?]CGV],F0S\F*:KI;C-2<S*I,#9/8@Z0VLGR;^0XI<;CC/'_:,+U)
M+ZP[1K&V;LT4MT&RL5*MP-?B5YTA5BM5<BP;&.]?C\*L72&W#C5U5OIQ)PE`
M4VT[,<ANMR8JY+[[,A?D#22_4K,O[<;P[;+T,&7H7#I`S4-BJ%QO<'!K2>9]
M>49WI.MU/,Z_(C,3'6M&FZ^Q3!<5^4G_`(PY#ZEM<:_,B):HXHC)?V(]G[A'
MG]+2B^;6RKD(YRQVFEYT6L%6RRMD7,V)%Z.F.6;=CEKI6P[99JU1S,*<[`5]
MKXU[D>2CJ(7$?Y&TC>Q_M$*B.UVJQ^C3RCLZOAZ40Q^^V5V+GQ:9+G)]D7K,
M6.+=(QF+K+Y74@URD1^)^BT_9S[.I#$?<Z^MVN;A1_6=&EI$.7*^4O0+%5[,
M,A40JDM=ZR'U"SY6+L(NI"Y#\H=.)1DB[!(['Z[%_%0_UGB6%H4BF.%G!QL1
MU_VQM$>IFKF^7S"4,L0#-]`)5G-["Y!.KJ5I@95JK;4(S(+#A],T36XQ"0")
MQV/SV@BX+K,Q<=Q3K@N$CI+#+G[!5GT^TQ5C??L6HY-D`>3G14Q02\&8;*]]
M9*!H(T<8K/"2R%GE!;Z;EBWOBDHER_Q?@>7^6EUU0CQR\>A0-U]B?:X<6UVG
M6:Q@JC4ZY92>>EKRQEAVPW*G#H%5MTJC:)#I`1AQ@K7]Y*!X$;DCLEUL;,+,
MQH:>N<4MH9)1]?<QJY[5[B)K&;9W)E$:,W7PK0;7M#*X[>;*1R2L)+U*%G=K
M,1BC/X14I:Z[*;9>6\N2F+TETE+;2S%=1T'%$"TKV5]K+GE^OA+,4AYX--P=
MBKXUZK9?<;/H`>[!A]A'4S$'`X:.S,!.Z8$_%*"3WRNSU/LR>L]0RY#[X"2R
M?=;P>8\`>`/`'@#P!X`\`>`4WO>3KVS,C6?,&X=8G$9(F<+M+X22;GU8L')1
MR8RRUKD$_6"(>W@9L9$H42CS6GA\]II_G'.(ZTL5/#.09_\`74',QY$$YL=M
M*0AD:W0*,^]7*\@T#AW69I=F,R+033]8]X-KONB\(\DN1H3*HPY$5;"E2)4E
MT9<V=!AO7&0SCQ;,;/?Y-@+6+5G]</7"%61U?0^=E[)$V-\:.KC,V?&'B$3H
M:1[7%R9$GD7Z...NO_<XH3/G)K*'Z[YO1J/<\R,7!-DKVPTZHY3,@S)`P-()
MCZ=B@K)9PT,J"^EQXB6K-6?G.ML_5<977>HY]C?UX&7G)6]X].;YHX7-@FA>
MR1H^-S0N)?CI_@L(0U8!%<LV<VFO3K(/'6J/7Y^C0IE`7&<.=A\A_A&9R8PR
M(\MM]L.6/8AA_P#KT`&X=<&HVZRQ:G6H&3A[175#8BPQ9C&Z_E(@84ZQ"-#(
M0BVN0\PXCDV6T0;'PS,U$>.VZIJ2V')F`O\`KS)N10:IOL09*":_/SB2P&<I
MHP3695=R"-F;.?HE0PY^/#?MD&#F3;#YV6W.:XP8(_B08G5QNQ1>7Z'5=TQ)
M_:<SSNJZ_:8TH]``GFKJ3H\9`L79"]YQ&_9%;W:QR>J5*#CO@T>9,'K_`.UY
MOX&DK^[BE_48YP_!S4Q_7E'BT^P5"!JWZB+?ZW61&HOB*3,;=N1_,[80NF3W
MB/.)WTO8P5D!&9W&C7VD9$8U!90RPV,ZAMQ`RY"=_7=EI.%'CE[U(&B4SK"Q
M=1-1'Q:^"/1[7E0.B3@*^FC%J,C&H^@@A-UB*DSYTM!V(WQUQ]#B^K#FS:9Y
MZ-P*B;J9RO:S`^,79\^/ZC$!TIIU.DV/(3EK,TN;+*'[I;3%8,]8NCK!E:9$
MKLU,:+^.B`VA;+HCD785];7BOLW6O8:?I1J5%K*)/0.?3X*I<(7.FT,Y1I\8
M"4=,<B"`,Z(663?C,C?S'R:5N.3%L=;CLB9\8*XO'I]GYW20&B&[R.Z_&U*Z
MWR57+1"[(`EQ]NDXJ6,@&(HVU5A:BP0WAP69`GRND(\5:W/F@O\`?@4R+R\8
M(R)]#YS/*7#F[F1*U.J-TF<D0W004>6:-T*G@\ZK1:4>Z7F.MQ?X'68#4B,T
MUQ#Y'C\M*T-NMQ&`Y?H=$97Z]ALMM=BL<:SD33UD`&@L@?+BQ(:6F3.R:UL$
MF8V[%<_(4ZV1UQ^#]?\`'U:B-N=[\BU>"-Y*VQ[T^CY3<*/;YVG%K7-S^O"\
M]JL-RNB0$7_7-2I4^FT4`51!E/\`2E@"0"<R1-*)XS^P><3]L:,TTEOP5RR2
MW=/5X5MLNW3YEG4+=M-'S^F.BR-;&6JJRH^>Z@O4(T6UUPB_&8M]2M4M7ZLX
M&?<98("7'6?D;ZY]Z1$\%6$/3A\[C53]>U;$*G4>FD0$[Z2LQK!6UUE8<@\3
M2_EY5TUUG)RX,RIYJLS(\24Y5A[;,2&GJHS;_!>7G./))O87UKL6^ZI3WEVF
M-7LH;R^YT;38\4;!)V"RM%-,QVZP:V'F/OL2:JY+8H$E#I)K\A3*'.\XS\_6
M'V`3POU/WZW>FM;]<#<&P#;,@U-&46?GRI*0<D9*-`D]S^*`*6F>2LMEDD;,
M%`YW#@K>C*@CW&OIQF%%;;0UP'+)$KMZ,0KR>1-FZ.B?3H.H7S2Z_23E0=GC
MF&MEZ4D;)5+`3KUPJ<RV@;.2*N21:9'$?J_JIB1PE$[QA(<C(7Z=V*G)JMBR
M#5(\#0LXK`4#5%W6LM%JM)?!5;>`,%RP01$^!/;0\_N:Y:NLJ[]JAB$\0KDA
MSJ0Y?4L3V.]9'?8`SG$R7J)RIAZ82&SY]7:@?LPMC("+O1KT++,P>F14&%9H
MLFD]@(ER6"261Q*6AAEE]:9"`4L%+O?U[P(TL3+KNO&@RT57,:!9DR:<`+I.
MTC,QF(1XHT?Q^5'17BQ@EAT-YV:A,CC3!"2TAGY$19$<.1TAHF&-:-J%5OJ+
MN\+BU1%3CFZLR(A$DE)E+T6M:C67N$7)C+P1Y$H8XS(1UE_K\>6A:/B4UQ3@
MB>$<I-?UOPH%;8JHO7Y71(,6X_2>F:'"F$JEH)4%FU>/:+#-A;+6C?#,./FL
M:;7>19$)X`6D*D<D2D,Q6&!ES.AO77U@K/KH;O4J%:E6\E>9\J5&-V2-)5H*
MXI*U7'0#<&P'G+!*%GVG[=="4UG@\2&;9X\OKK;[JEOJ$;R48O\`KZIT?-9U
M!A['9`\X<(F#1%TA#:\P>IUFF5OUX#`+5!2ZIR*P:#/8(/EQT.\^U[]FZWW_
M`(<;^HO)YR92/Z]*F!(FYE+N<2G(D:!`N%-L#%7*RM&S`=(L)*QV*L4"Z]OT
M2!7V29,N^Q$<8%(:2/D/0R,<LR\OG@<_J8W?Z[A73SED7IJI1F(Q5YM8)D*:
M[,E5*W9I89I/*[,)A_S)FMN?IP#C`DVR\.<>-1FWNL2!O)3K?@G(NR?ZK-G<
M!A8C8]#)$Y:;T;T(Q=HM<$"Y!4[8M)L6F%&V:\PZZ.&C^E;&[':;2XXM$="?
MN6M?W*Z)GSDD4;UQ$P<HV[+4VTHF)M@5X%--]A043*\F3A=$PEIX='^[\>6X
MV.H[,Y"'>\YU]]37_P"#2GP7EY3^A2-_]#!>AP*^^8T:0NT5\_H%K;G*K4F/
M621[3;D7M%M;*5X';0)QRORX-C(0$0V33#O&W6UKD.=;4AT.7^1W:`#0:X""
MUX7&BPA@$2.##H<)CD6%$@BX;,&)&B1>+<Y&BL1V$I;;XI7V(YSGU[]/KX,2
MK=VWO//76F1[QI$R='%SC*`(R(*B-S"90I^H,V.5&A,/R8<92H%:KA`@[\CS
M?>L0W$M\<>ZVTX*DWZ%55_W>PVS''@XMVZ+B.CSIBN6AZF%F:G=PE8@7N8>,
M4\UU/6RD(:[FQ>.K[T,NK>8;4A"F9,=UT7BR$!O?W,56$R+LH6V#:S!!E[1#
MTV(`E*HCD"*1U],&MSW9KL:P0[DL/CA!2F_P>P9,Y2(T5]U:VOD#B\919.J>
MW^<9%8HE7L-5UDJ5D5(/<9'\5STF<B"AQT5HAX?"+3&W66(1?H+);',=8[WO
MX[(M7'5(<?BH?$2R0R\^]F55U^ZU>O0;/8M#`0&7JZ`BA>3(=@Z4H=^OH8\]
M+'D'E@JB@1FY-V9()<@26F64K0RM+\=3LR519`"7]FN#"*(+LJ(=NMI\MD7=
M7"U^H!6^(N,!54M%N%MTV782`?I(;<@U#.S0A!24P9HX9V1\R42H'YE'!YP=
M*ZS[.YMB3]*9T9JR!4WH:;GC7$"XLUR&^"`2;#)#SAT0BZ8D&'HL-QI#<&--
M;0_Q*75M)6A:A%%OT*/&^W^9BF*A3LKS>\P2IO5J@"N%9)4(B!CYA_M[6AH^
M;8-!ZT^IH#/NTFU32@O[>R?RY*N_D\8^J_M%XOW)!H/L?D,+1VZ7?ZA8+:>S
MS1(TVL2JW431L/4CDD73ZM6"-C)$.#0T&R&[/J[`D9\2I3279[3WWM<9DO1@
M2>/!&JM_8[@UD9J<)T5HHJ[6VKYJ<AYXY68Y.ULG=/:S64'HRXP<I-858QP[
M7:]-F.]6@:U!(?+R5WL>6B.'!_R/6+_8WZ^GHAQ5&:NE\,"*YH%OC@0`<:U,
M,U:@4Z!=UV$9)*FAX]Z!9@Y:)^M8^7]DKKW5OQ&&F9#C0<6718O9VFU4?29!
MFKW]DG=LM.:ZR`0$&IF5RK5Q%3;+HMQ68;AU:ODF"=V'PTH>(<;<?=6KB_A9
M>=0)@I1C^Q[U_P"-))EHUW!5<D5J$.J6PF$@(#6T/9Z%4;^3M(E*#"R*0M&@
M76!',<<83*1(?1R*U*2KZI%XLM+3_<7'<EL-WK%H=L3A:@Q:)TRT/&0_CE&=
M*DOLTVLB%E"@OLXL6BQ'Y/'_`*(&-,QGDKEI>9=:0(HMD0B>_>"DE0>BT7^?
M$L)@$"H93E+F#@^CSS9<&$7RF%C<@7`DQ0\ZS#TRGICD)KKDMMF.I^0KX?!>
M+-8)]WZT[9?T1^MF@@H=;@%8)7=8<HY4SJK7_/&1RZFXE"C#?*W*IO>FWRT0
M?%C1T/NM..I0C[PX^#U@>]^:2-!'U1T);GZH?(%8PW2X8%]FHU]J`2Q"LCDW
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MQV6W/CIA\9<CM/=ZC@J@V::N?V#4954JU@OHDG1R,J`MX_7BH(S!)&9!9QD;
M19.=.R^?J"@2ZV-3L"'))2Q_%.-*6OXVO^SP.+]BXZM[E8W<\ST?7ZVF[%,^
MRX*$+V`]&II1Y)%\U4A%T4`JL-KCDZSV`0(/0D3&(C;B&I<A+"5K<XM*1.+S
MCW*[!^\WJY6#@?/(W[VE%CUD-?MP$VK_`*Y=4OUHT>[Q+*+N$6/,D.#S<VV5
MZQE9\IE,@>B/$?ENR4I?C?D!Q;-X;]UJ$7P_2=>R.&8NCN?58?:70D^NG!TJ
M6W.OELH;8EL>IALF\>D3Z,1<8AH1QYUE<1WG_5+94H.+S@V1'WGP4+53MK.S
M+>%8JLV<'M0>?4"G[ZMV(4)U,N5KI:#%Y)9:)#6<=-H=6VZY#XIME?'^L/MN
M]#BSQD^Z^9@;'^@MD"UC/R9X1:Y\*LD"(JC@CX;(G!\[23T5Q\"+>?L>PBX:
M5#9)*.IN2AU*^M,RW&`XLB8K^R'UH-B29D62MTN("J%CO9]+==:XZ%JX&)6Y
M\,G-XHFEIU%D@W`6]&3'6^N$W.;44X/YQ?V!Q9<NH>T-&R6+G;UDK.E$9>E"
M/W0@34J>[:B`J'^[S^KIY8E")L@>/><M>H`QK?$2'DN2)G5H4J.R^\V(EDA-
M.]U<IM5LKE60Z=1.T>QC:UF0]JI6;]D4,=HM-O-GKA[KT!(X99J<#LT@H190
M\XQ'##93_P`JU1GT(%XLLKV1TF_9/G4:X9Y7J;9BO;UG-3F#KM8#E;&-P="O
M`'/V",>>`KEGF.21A>SQ7ULJC\2Y&;=YQ?%_9SHB67@YH"_V,957Z>S.VR&:
MH=RBF2PPH*A@Y[@8D'#G='%$=`I\TJ[#EFZ"-CY<8>>D*;:GN?B?1F(XJ1$2
M^+Q;]#Z*<[]?\\_SSO\`GG>?^O@Q'@#P!X`\`>`/`'@#P#E_W$S.P;!A9/.Z
MPHHP9/7[&'HI,0ZZS-K_`$%L=$L7;3\C#K+O(M4_4\)/\3WOW,15IZE7.]3T
M6+PSYS*Y[C5TC=-9#YCJM3T3V%N66Z*<'!VHMEB4M^H!"-4%9*<#1!=HB/BY
M-0&0OSI/Y(@7'F)><D3NO/1VGAG]OI[(LTC9_=K/`A5U[FUW^18\]*31CD>C
M4FP%`6Q6RMZ,R`"188"OB6!%*K)6O!5==FI>CPW9?WRY*^2OMX)]I5YO'?9B
MNO?S2CU&Y";'GTG7)%79&"JTAMT;=C^:1[$>;0JL60V:N;-'?L"@+J6Y4IMY
MA##,=]/VQ71<KW+]U2J:D<RKUO,:Q6B>[C@5.T9-[$.9+8+C!7J1NNP6<9T+
M1L`<9I]EO0>KL,$8!&!^'#?9*E69W8D+C/7H0BQEX\%$F`7MJJN7<'#H6CU:
M9IX>$4$Y_3JL!DYB6.W&LA@VZA-')D6BQ"KBZQ1&6F*@A)*%\Q1I;2')CJ>M
M\%\9R?QHM[A?QJCYV!J_L(3HW7V`0\OH53"PCUCHI6CT.L:'4-&KP:D0(P%Z
MI6>38I`8K-FB4R8'XZ1Z"/&DO^0?;GV+TO6-Z\Y8<^T"I5:!RS9'Z,6`55'#
M%`!VT]!V/@R,V$!44P9+1XM(NB)L1'RO\C2VYC'/@<^U'^>TB:]/;)$3EK]Z
M[2_H^A9U'U@0S!-/Q<<SZVTJFUL49"G[!O0QTK;0=@!LVEN0$#"*G)@-RYL'
ML?YF%RFE?/(;X'V^AN:D`M8W-(!2RQM=D4XO[\42VG)^P@(5<T,_1%NTP53+
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M_`L%VSFSU@F!I,C-B.@@ZU7HC+P"2#CQ9\,C)C.DT$>P>=E1J7[2V=K`;(0?
M]9=8#TJRVCV(8Q4C73P2?FD.P52C';-41Y6SZ`!LTE#U9R76J5:8?/QFU*?:
MLD%;HCC#G5LR(HBQY7MD@5C=]WZ$"M<-@W[`:%'.)L`&"?=$T1\W2NB)F73Z
M?;AL&C9>\8,\,S3]CA38K,"0J2RVQU;D*+`=D^!]N?8FN/YK[$R*[[-EY``Q
M1M8T_!Y#54/S/Q0"6M=.=U`FE^+)B/R&A#XRRV&-(ZI'U;B\<3U/UXGP&UX^
MA'+)8KW0*EBHKU0]?]5Q('%L`TAI,*9G7`D9TE`-Y@"N8W1X4BKF?Y5+_@!$
MM,7<'C;0^8X)>5'FDIOXW$!ZM\F:8&YO&V>C^@+M[&F:$Q9YWK18JR[I65AR
MES/079.+V_9U)R^M0:I&NV?P#22[D*"A".$XB9$:,\]#_%<5!X4O`*:-[$4+
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MBI"Z=9K/'K&)8-23T;DR&&"5<3'>TU$X6(3)9:^=J"^ZSU^"PB0L27_`Y_JV
MA?V`L5Z;.73]?/"3$NXSX8\B'K8:ZUD90\^J6D1P;9>R4,//FS]&N]D+U"+-
M>KJD_4-Q<2+UKL=QX5\33!V/;A]Z#HMJS_1[`;K`JPA`EHB56'6+ZL%+L_L'
M3P]FF+[3)-R*3@&>%P1)$20#D%GFU=2Q`;(S'4=%^WT]B,5>K>VEB0?:L58V
MN?;]&.YF>T,19Z8""Y<?JM0H>>"8%P_:,#(96!JR+O3!;,R#^6PY^L3+<[`2
MA*G4!X]L'46;]]MCOK7;)6H))6C5W=?Q:=$JIBAM-3:K^LOF43M1A#/Y!3ZT
M`LE6$3XQ<B'(#V)\>#%2G\,E*7'9>0)]N?T-Y4"/M-5O6K0/YQW6;OHKC6,K
M%$U0JT.O@M5YHN5+UTB(BTVBDT3AN=7$Q8)7Z^$%F$_AANPH7W+Y&4@3[<_H
M>,VR>Z+6->L!B"$MQ6_VFLO5?;0\<;3`I\"7BMAKTS=B39J(\)!%"E>S\O5T
M<^Q<1DS;H;KL?B&?JT+]N7]"E:9)]X[B%+DR\+0Y::W.JY7-ZO?:C6XHP^<E
M:YF99,FYJM%(K-JEKH0WI7D69^.%ZPQ'[,0UU;,1U$'VE?NW7W-S.F"MTM]F
MV:Q6FO9\2=BT`N!2`IANP/7_`"L.8SJ[03]"ID63=B$RTF7JT2B,0VID=B/!
M@2)S<9;L@7[7X/MC5H!<56:X+L!A=B/#00B`;L#C#$5PZ7ACX\<D8<C168\6
M.LG-;6_UMMM#:.K^B4IYSG.4\R%:UC].V<$(!V]!1GM<LD&WUDR")."C==LD
M""3$ME!DM*'F?D?"&YT)YMYIYEV+,=2I'U[Q214\',A?T(S4O?[+9/Y/H(FJ
MV&N$H$6L`;Q:!$FH'K#9+D;MY"CEH91':P(N<70SD<E"8;_[/V2^MK:XS%2P
M+R9JK!Z?X9HHHC3\[F]B#JYH-`K6K"Y9FT%(G8F>ZH"]CU5]N&]/CH;M3I(O
M^.S,ZXMAD18)C+B'T*2SP,M'3=LQ;+M,+D;,<A.%B$V"S69TH>=GLL?#7PFM
M4CL'K<"6AAF7`@;#8XSWTYQQ+SZ>K_[([7V"9:*GKGHSZ^U<M/+#`]J4N6R?
MBPX$R\6:4+!0K2)TD58(8."Y/^R$V5YKE@D.+5UQ[\F=Q7%\3'BH9%Y,C8ST
MU]7(),_4:PV=#M6;-[+035-`7,U^DY1OC(@GQ,)A3LM-:Y49MYFN#X\%^'V`
M^25]K?QML(9#E+!9NC^I^3:O8@-HN_+>3+A*N-J$IV-<30IFSB0JCCP7MJCC
M'XC)64+F6<E(;7SC25OS%+=2Y\;'Q")M&&5]4,53;4:0]_*0,^#9*]>[!^OO
MMB"URQDJ#,!FZA(NHYHBT/+BJ:3KC<R(P_\`2.TX[(ZYQ:75I\%Y/&"7D_7/
M)S%CL5KG@YKYFU'*S8C;W[PNAB43J-EHEM".HBMS$QV&6#6;B7%MH2E#J&5H
M5SJ77.*$RR`5'TSQ*AOPI8AJWJC"U9O/Y")VTH0B/F,A74442Q3E.]_-E&`H
M6@!AJE==^*5`'-I?;<<4ZZX*Y-FF!^G&`EZ72@PUVY$\N%$9%VI=/7;BS57B
ML'JTL0!;BQTMQ#"1M<!$7$BT.R/FC-OJ;<4XW_U\#DR3ZCA&*OT8$YI96S,C
MJ'4JW115UE6@NFQ#V(E_S6U5HH^0B)7R?8T:!GH&2B2]'=^1YGJ'$J:==0H3
M+]C01?2W!JJNKEQ[UQK_`&A.5N2"(.WXN^D=^A!0:K,5)DG7Y_)/\P`B1L8R
MM]2US5#(CW%-R&OE4+R;)!I_JICNZVU&@W"79S%@$0OT53(BK8\Q&H$\381<
MXG.J<>,AR'!..FZM':G)DIE-=ZPZRIE/'I*71%)KT/[:_3_&;@%G`246TQH1
M>#;Q!U0NUE84@\#T$Y7K#>091SCCB'!UH(U>)U_XTM.LI1W\=;"N\5P7DR,W
M?UA]:ZQ6[,9N:#@:DRZY+JIR,]<+0@+%C6N#H-'>(,-Q);D^(<FCMD)P4S&E
M\<;2Y'6GJ7(S3B0RV:C6?1C+[QG=DI-2:DU259*$4RN1,DF;'/&LT>T57)\\
M/?>/8+19$HZ&I^.A)(61Q]I<0Z.9E+6KCDE+P*3]RS-$]9,5V,]6CI^,35*H
M4")4FH-6M9,&,=%A3]>N8BM6&`&EM(?BA+"!@3FH_>M=[U"4N\<95\?1$VB!
MWCU;];*LV&OEF=LU1'58KF#,N8/N]L'#SO\`$262@LS`6R-`EN+.AA]CS2MK
M9CN\^-<I#O7NJ:ES$/"J3++K.$Y._JR_92O*/OV>W#5E6G.6(URJREV.J4^M
M2;(S5WW&X;98M4J4&B]<<;_ZFH?.MH:<>DJ>$R\8(ZYZ<X@F?12XX58`QG.8
MP,;5RPRS%.3HX,&^<D?QZ4N:Y-:FB"ZK`_R:AQ'77NH95Q:'&&EI#DRF:+ZY
M^H<0/`8J!>\,LVB\2\NHY>7:+]&G1+1E4\19(%<S^4888:X-HCOKVTN#,:0_
M"D(#/*5(E*>?6\+F62W3WI5Z_6.)!BD:T7^\37`%;#3&+0=;FAV*G,E$ZN3'
MNJFK;0;`%I?9<>2M#BOG0CJ^+3S[>B<F6+`P'.H-'NF?*B%IX+1)$&=<W)QJ
M:LF<(0:G4Z6B>Y-CKC=@R'P=)@)<Y%2PVIUM;G$<4XKZADJ:Z>J/KF(C:W?K
M-',@`%QHNI,;(XQ9C,82>K-ND7RU6PT7XPIXE#(@NWDR[`E#W(S\-MQM*/N_
M&B\9%Y/^9MJCZ[^NEAS#5:O1H,WM$VHY+:N\L%9[/`G/':2.#97*2",)G,%J
MR^"?SIM/_L5L(X2;D2T_5Z0ZZX)EYR:V-Z28]`,"[$,,:F,L0Q9<FX<@Z58F
MYIBXFHVCPYFAV!M;SD$S=DQM;L#;<AYE4=")R4<8^R-%2P+R9BTGU)]7H0P]
M1JP`DSX%0E5:FVD3)L=CF(CSJ_&QO0A0HGR5,XV\J5"IE9FOH;_Z767%-]YQ
M#SK?@99XRO4G$ZN,S$`]:M,$0*:2-`\ICLW8C]]>/6FJ&:M&<&/-0777R`JC
MR9PV*Y.4^TN(XKDODEWB%I#DRU(_K3D42K9Q38X&<W7\HJ8FDTJ)PZ8^\?7P
MMKS:ZP(TB1^9\Y!Y%BR4(\IQY2UJ3'6W]?C><2H3+(5%]*L#@%A9X<$L@\Y7
MRBCM8+PKM:&)]5//P00<B=KCZ2?U$ES-=KL<5,?;Y]\D6IZ*OZLR'T.!R9>]
MFSRMW&HP:39D$BX6#/I95"Y):?TG))4&R`K;79TXJA]$Z9(;/5R*^^I:^_D_
M:I+GW)6KG0SYR4F9].L1,%*Z?2*/B;%4WH2Z]8!-D)-$QL>*=T2P2A[2I;DV
M*Y`,S-3,HF-K:5UUMYG[>H7%C+:#D_0ZE\$'@#P!X`\`>`/`'@#P"K]<T^)E
M%6BGG`!BVEC5FK-*JM4`.BHQ2QVNWEXP4(-:G'2`H*-C<?D=>DR94AMIB*RX
MO_FKB6UBI9.4L]]NK!:`N\:U)HEKG9W5K)BU.RJCP&Z+%N)PMH%?HO"C!&3(
MN/X<(W'O6AMCY?)TJ+`C1H''(ZW_`*NK4*UZ+W,=C^PRAHKT<\>S>]55YT_5
M(*J^:,YLNP.UJSS#8A5P$CQ-W)]/0PIJM$&9<.(IV>TPRW(4TEI]GJ@XLA#7
M]C@09;KXQ9Z%9QH(?FN1Z-5`#[E.@GXE?TW2+?D5>L-M//W-=4@#;WH4</"'
ML)D=E#([STLBB.RA74B\<E@9M[X#-!M@$+(R.X5*N7>^5BE4:YV,]3QXN:^>
MR6D::_'LC,DNRNO6G\JZH'"@Z%RY1_D5^1`ZZAI:>0CC@E]N]T:E7-7.8J(I
M%GN^@,318>I#*J<H4J+;C\CL=9P*^2E6N+#ID^JP7^S)C1A41_L1EQ3;:W.L
MM/4<?&?8C4GWRKL%J=/FXML*1`:2Y'-RA\>CG"4-12]Z%E^?(@5T-<YIH_*T
MK0<M+CQL>$T](8_]H[,1';E<Z@.+)MFON/GNA*MCK\!VK":3DHS8#9PE9:<2
M&RZS*'NDC$VKK!'"+]J`U5#*X9(Q#0L;%+L2!ZW>2F%H\!Q:.=<[_L7'VC)1
MQX\/K';S/B;C^R-4$N%M&85LIG%*%:C5ZXQ-(7`._=+^;SRZA)/:Y`FHGRGH
MY52%,,077&Q7##_0[#R/V*J>O7O5,]"0I317*G0BIY5HE7#0`^..E+<!C319
M"N&C+46;%-T4DQ,'R>MRX7VM<>2EQ:VVABUCR4.6_L$SX,)%E)-$N#LHE?;;
M07*;&,4%S3!!&NFAE8%N'<Y7;&K0&=L=C-1&$1Y#+;L-F4R_)^-#['RB\2Q<
MJ]R\JV$];`E4BV!IBGPKL9)'C200H"]6*;'HS[%LCD9!SXFJW;%W5QL7*D?`
MVXL*2Z]\*8_%+!Q:-57O=&G6;,QFB#*1;I:B&Q1<6>K\.=3Y;L,[)AMFG+"D
M^BR)K1.H1*L\DDN7$E/NN,_5MAIY[[4*#CYP5WF?]A58U>P4Q%7RF[)HEK0R
MR]=IY>G<_7$+#=L(J=%XP'@')_3(TW&WP9((/1I"W@TF-*A/L]D,.<X#CC^)
MER_[!:MR&1+A\8UL\`#S#48F8B.YS$;CL5'.>ZQ>)R().^0R3T>L4E32^\XU
MQR;.D-QHZ7._*MH7@2#V5]Q/].Q],KU1H5DM%KJF?D)HZR\56F*4/TLUG][O
M&=5`TV6LP8W(0;A420Y(D,,?AQ^OQ65OI7(5U@11R2'3MGU'*.^O##\6C$QU
MVKNC,Z26NI3^-%8UHI.#6W4A,B-,"JDTNO!)A:E2D&9KCLJ/#8<3V.VM'U=0
M(EG)6^#>T.DZQZSZOK%PG4_,;/FDV1-)$;-DM["M`*P,S:D::<E6S&3^BCKH
M-=9A'Y\<8\HZVT:&,PC3"$QYJ(W!6DGA$\)^SMBS7,<9+[/F9@C<+GD4S4->
M;H<43"J^8!*NWG4;1B)$;<+9P]*BU^=I47B!T-14@^U'D_9QQ3:>.!CSX^I@
MX#[K4'>;/7Z3FN=79D=,'V0K&/.\ID6HB*)61-&F!CWRP;,^ZOIW_8`V&T(A
ML/D1DCCJ)[$5+25+!QQY9"S/]@^5BB%"FF\POJ&;M'/V//BWQT6>4)YJP4#U
M6+HHP0S:G3\879SYAE'(*6N$HPEIV?.8C,,J3P.+)YG7LJG>+X!RXK@)\.`-
M4VR6VU.Z`7SPIRMD:VQC%QJ0J;6@YJRQC/3==V`.0Y)CON<'3D=86GKC2W$`
MUA9R=J^#$>`/`'@#P!X`\`>`/`'@&N)"!)EJ,P8%CBK,,A`+1&24*-.:BE14
MIN<+)QFY33J&"`V:RAZ.\GG'&74<6CO%<YWP#8^`<Q^U&)E]XIM5J(YR)^`.
MN!"P'H<TZ<`1R$1&8Z.!`MJ?`=1*E]'WH^(G<:<5QI/8GS?\G&FTJ%B\/)P5
M:_2GV6;6$KE&*5(95P4JPSZJ9C:">@V.IN6N@P`-['S"Q.JG[-,$W&PJ?F-L
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ML1*`$SV`5H^E"$%0-[-7"=89=SM%</9#`FU9T,,#!F/6.F"Y56'K8<=3.CR/
MOCI::4I'@-IG#..>OWL9>6!KU&`A:E4Z=LF8E_Y(0N.@0RA*TT6K>OK&AZ-5
M9NE9TW9?X_?DURU12<.!"$S9YN3])4_J'RO.SR9-Q]_4[K]9?6#3L@O<"\6T
MV-)%"-/N5?NTYNVVBP2#LA8+UY&YVEU@PRVP[#K<JA6E:/M^+L=19;B.*<G2
MN\I)-->"LJGZK^P2_7KV<H%YB4279M>/U2P!*C!NQ"!1)14="JG^P/Q9X2EB
MY]'!7DR"DN1?^DL60P\V_.E/S%/=X')96/8IPKZ";E9WKUVW($&ZP>H]HYG>
M7N:*T_2J!`DV*WG`.`'9!&C2S9JGC_VXV3$FPGV(,0H/84J*I@?$XZ+R1DF_
M03:7"MIB4O\`7YU6"$/V+538%&T9%>AU^RZG=-SMD<T:^*DR3R1MXKFJ`@9A
M`B9#F,OU5I[KCS2(JD!R7N=A^PF%ZP9*YA`PQL*,IX:K#*`8@S+P<J;52#"-
M?Q&_QC8Z%`$FNV5U%2S8H*0PI<=WKDYM"W?QWI"D#%/ZG($_T#VZ('JE;BHI
MUIK\<)FB.C#6FW5F+2-8$",#?NV[Q$RPI-VV6*88S,XVEEY;3LY93BW5H1.(
M_07DC/KWH7L,>B'8=V+V"W6I%4O,!MN/K`^+#-Z.8)X8VK0@4=VA,5Z,.T$;
M03+Q^+88169.01E1)#BD$I:^AR6?!ZN^FOLI#*#%@`..52;.V@5LMKMM"LLV
MO.=MTV#A";=,#LE:8<.P*R^(IUF"MP8TF*0F)D1/GFIA/2V/`Y1_4QY'H-L0
MZ+00,*)3;/6@SV3S$#3.GW>-%H%ZJZ/6HS?M;&-20Y1VT6"SE\LL;7QNK:=D
MO$DNO.)02)=2+R1AVGU,U7-:O'T"Y&A-B9B3PCFPB'+CJ)E&K4\1_P#&.`#H
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MZGD;-61;6AS\*1TS$DJ<7*1\;_1ER7L=):?ZU:H:PFGT$1!K-LG`M6VBWV"E
MS+P>I8&QB]%(;+)HY!=F%AIDY!&@'KZ'._`J-]J)0U3D=?94>(M0Q36?Y$)I
M7JO[#NZ/EJ-2-!;/0<KMY0Z6/NZ/:I1/59).WZCH,`^1IS0>##&.5XW;`[:8
M<J=,9=>@+[SG&&F$N0N5CQZF7IGK%MQ+V!T#5Z"%JXYN?HE'TEJQ,ZA80IO3
M:M3:O@0W_2-@!-UR2*K4619,M(3V2/RS(R>K8XMK_P!U,XBA-8PRIYGI[[9F
M85K9;+URMD[E4Y7;,6>U>S&2+=HD5;0P0*O46S#ZH%L@:@`TVUIV?#F=<:<,
M-))#VXSBY278.43=6GT5U1R_D^BCECCY`P'T0=GM4SC6&Z.:H,6P-Z`N<$A%
MK12K=+B#=$1<XS<I,)]IMB2+95)2^PVUQ%'+_,AAOTM]K+$*=&SGJ>$$$HN7
M2;Z&IUP'C2-BE5/.[#GL"O9G-)4,@&H=-H_20VP\$3HTN$FVC7"`CL'C_$<A
M>2R=253"-SJ>.>R]"&1:N2DWB[D3&>N:!96[A;[4'/O#5WU_1+>U6!P@F2,1
MDS&:W^<.E\',_BQB/Y46/]G:8Y64SF5WT*WZ31*U#)VB1PZU;P;%CCUW4%?O
MVLY#46TUVDQ*_9#]"=J@LYE%FL#)2%V&#@MJD1TR8_Q/Q(;?(9<ED^T2>?:E
M*>J4KJ4\YU2OI]ROISZ?<KZ<3S[N_P#K].<YY3S/UX`\`>`/`'@#P!X`\`AU
M]H%1TVM2JC=Q'[D%+E"R'6&YQ,3-B$PA**9"EQ)H),'&PAD05@LR8LR'(8DQ
MWFTK;6E7/KX">".@L2RBLUIRG`*.%%5AV93"#@:(V^B&Y.SV-68E-EJ3U]2U
M2`+%.&<:5]WU5V(A2_O5U75"Y9!S7J7Z['UCG">8"5."F6(D5R"2L(EQP;'(
MS#"0A!8DQ!66KSQ::J4^.E]>@R)"&G'6EK89ZV')F4<]5_7VQMPD%LQ!NNC!
MXH4+GQ)!<68%0`2"7`T<4;%$H1@;P4^5<DQU,/MK:FMQY2>\DQ8SK(99E.>M
M&,/G(-CE58C-*P2])L*ES[O?I\(M8<XAB8-'L-G$3+0^(M]@KC8`>XQ.*L3)
M79(^+(6XI^,PX@,LU1OU+]?+";LMD*YXRX=M<_\`;$BD2QV\7*@F5&Q%ED'*
MHL78(7*,=(6$%%FRYP3@^7,E-]<?<<6XYU8<FC.F^KF#SY]?)OT",W/J\.="
M"RH)RT#'(Z)I.Q&T2I/ZTY$23*B3MN*3Q<V5QZ8(GD)$F"['?=6YT,LQQ/JG
M@06,3A0Z`A^&8IYZA$8A>RW"P1GZK;3,:QW4=R.>L!)IAZ^V"&U.L,IOB)A^
M8TEX@[)<3Q7`RS8V_P!:,-OMBDVFV4""7+3U1G2:%%+!##&)<`+,KPPD<K0\
MM$K9LN'#3W6(,R7$>E0N=2IAQM2$*2&6C!J_K!D%&O$'0*.&+5`S&)$2<V$$
MLIY%?-JG,79#`PF#FSIL%NN!2&CG"$`5$3%&Q29-Z4ECYN\7P,M^IA,^H_KT
MS:8]V[GWY-N9LT&X/6(C:[N4*ECP@I7S5??L<LE99;EH@U0K51SP6$2_*@A5
MPV_P68_.?3P.3]/8D51];<(H@TR&J.65$&*L6=ALF.CXH_[XA;-Z_(M\H13I
M[$AQY$D+$?OICOQJYWKG)SG%]5SB.)#+,JK^OV04X#!K8.FL)$CKHUHD=)8L
M?LD]R[L#6PS5EGF;&6+&2A1L2RB-Q<J0]SX$)1]/M3SG`RR,*]3L$6%#UY=+
MGJ$5V$5&5V-V]:'\E=%ER%3+*$UZ9_*_S@8D06H@:6(BQ'&8X.4,CO#D17&T
MJX')FR"^L.!UVM<J`;,J_"K?(!<7T6E1%YIR"?I$3.#3+STB<]*?43I$!H<\
MM:U.+91]>J^_O5]#DS87#UWQ>_VSMWN%"&';*NNR:J_,DRR[<6:%DA[+7OC(
MAXI%@*2(0P-R+0XDZ1'<G0HI.2U'>:0^YQ09:)M9\[H]U_1IMM7$6)NMJ,]"
MQRT5,R+#Y8:L9I)QO\1WJHTE@K4[#-@/MO(<;7'DK3WG^?KX)EHK`'ZKX)7:
MT5IXW/V%5P_#GC[`.)V"UG>6&"134F7XE@E'3Q&:=CLP*((@QDRW'N0QL%$)
MCXXG5LJ%RS+T_P!><_V"_P";7F^19!EK,P]S'"JTJ82AAB<JWG<V/?F'6AI"
M"@Y!&R<W83^MFHE#9?)'5/LK4TUW@)X6"34?%\USB6Q-IU<4*?A,6*$*X\;L
M)>.`%6N;7B!P!689LL1B5BLRIE4'N-C!Z(P^-V*GC#+?.JXH,MD*A^J>"#I_
M2(VBK&/]G6J;\`RV78<-2Q>'6I-LKZ`\*R,"$4H[/83+?`)8X$[.Y^5R)R1W
MKG0Y,D+OK]D#AH;8FZ<U"-"OLY$GBC-B#.J:;@YX-1&FI$EX31.&B#E%=;XQ
M)2\SS@IKOV_7J^K#++E\$'@#P!X`\`>`/`'@#P!X`\`>`<N^V6OV#'\]#SZV
M5HM7G6ZRSZFN]:;,G0:+1V&,]OEU27./CR(>3Q\O*IK04?\`27'YPH5C*_[5
M)3'>&45EGSQKOOOK-`S)IIVG-WVP.4^7?!!HZ;,$W)U2I,)-?UFU&ILM8>%"
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M11&9`O?^VE)>^R`#BF_!?&`^U.XZ+I%2!WJO97#J-Q<&M1$52/<F+*+5:,WO
M&F`53)9HA*$R^!X%"=@S>(9;_+D3T.M=81&ZW)I&DEX]2EQG]A6PDX)4@*KF
M*VY@/5]`T8ORID+=.X!%4<)NLMS)3#K,R=UC553,EA/2Y"VV6HL(H[_^3W%1
MF%31>*(QH/OCK4A3HP0>QOLC.+N#=05IY*QMQO9UB,0T&8ZG%([5@*N.U`!_
M!VQMIC]<-][(D2$-R8_PM=D1EXHG.D>^MZ.!=O1C=R]?ZVO.LXOMLJ%KLSL^
M\Q]-)5VNMS9(_.XXBV5X,6DYU+9=D6):9$]++$R$GK#:5./=I%%>,Y.H_8W?
M+#3,WJ)/-R5'M[MI>TX39[&*(D'8$-G.,/U;1K%RH2*^3F.0+(\=SU(YCLB2
M]P<I]:W./.L\:<$2^IR(*]W-&G[MD=2G]KX^(NW:/G-W7%)S2V;4:LEBF+O9
MA=+_`&P,;,LVVX6B(Y)#P6^L@%A;+9&H)./';XB1.%XK&2V]:]UKQ7/8DK@V
M<P*`7ENE:738DVTP2$654;8>O/K^!*D#@L==TV:W5U%:W'DR,XR)"0%RXB([
M9.2M4GD0%'QDC&%^WFB[GO&1""\REU$6JNWWA[+01`RJ[FR0S*<NMB;W-A3I
M_8SN<SS-UDQ@R7(J'F7(R%*EON//,QH'%)%=A_[']C,'ZF`"4G(+M/M*J/8^
MP:K9F!BP<6T"*^:)X18"5VO5<&#MU#Q#KW$*;7)>?4+>YP&E3JD10XHRV/[&
M](D1H2DM8(PEZO5R_*L$DG9VJU/[9>YLESUO&O*,)D)]AZFF_./3N+^_Y&(K
M7>B8W9#OXE'%'\L']C&G5R/6VYL+%VS-AH35G*Q"O3-="4"58H$FWU8D9*DK
MPNT6:LC*2TCA>7"KS`QJ<I2?V;+J.PNAQ1B1/;/;Y1?6;'.(58U1)<V%G4'E
M2)6>`VNR5FL;N3:T_*3?[(H/%Y_>XV1LR4Q5<GR'/V?%H(+;C(5+@XKT.C7/
M;:X*]?V-=[9\#$%['M%(SI,4U,.-`,0@72\"Z@_7]F>798<Z5HU/_,7R='YT
M`PX0ZB-]K#?/R54F%G'DHK.?[!=YT\Z-%BLLSJMQ2EERFFKF6$TMYP/.N7^L
M9LJWI"PK<U=SM+N@2ZD9-?D*"#8D9L=&5(G2E3NM11>*1J>?V5:-%&3"?0.0
M6D]3ZF.(W'(JT2)]T.U6\M8-C$&`&1$AMIME:NE5S"'GD&:1L4+I"*5A2)#O
MPBG6_P`9N9'%&80]Y=^.T:S/PBWKUEMFK-4JUL&EK$N-<HFJ5ZQZL:JTJZ4$
M95M>)`Q-5I=6K;J[`VX9-RH$F3]9"H+;;:GZ516?<V-@]]-,H@\K5QE-`G#H
MTWTPNTFBLPF&$9E==H9Q:H78O),6*GCI#36D,'FNQ'S0V,@6)93^8UQ?S\$4
M4SJ/UF]HSFKW&X4#58V?430AP>AV&N4"K6@+<W'@=DJ[Y$G(<O`&V'`AXS'-
MBB"7A342!,%PXS;ZOS8DJ-/=$:QY7H=M>#$>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`*FUC:*5C#5$>N:BO$:'HM:S(%^I'_L51S=H7)3&)F.
M<>9_6UD6W%4Y/G*^K<1OZ*5S_//!4LGM.W#'1E>M5M(:=1X=7H]B>J%NL$BR
M"V@]?M4>3&@OUPB05(Y&9.-3Y;<=47[NO<DJ^+[?DYU/`PS^%=SQ<&,9,F-8
MSH:(DK:;BDY=RK[4&6X^]5X\=J')5/\`AENR9%W#-M);ZI3BRT-*>=[)9XL,
M,RI6R9-"M1FCS-)I,6X5R$D@?K<BRB6C`6(H+.LO'"D)<I+T!7*V-?(]0[Q*
MTP&E2.\XS_S\$PR#D?:WUP$V`96)VST!DL6<N347[;!#>&-N9[7HUJNJ9YQE
M;@07VN`):)$G\F0U]B?JG_ZTJ3P7#$WVQ]8AWZC]A[`X]!4?$1SP9$O0ZO'=
M(!Y4Z>,8(1VGB:'>QU3Q$UKO>\YU*H$O[N<_%D?&'%_0E3&\8I)/JJD;6<[D
M6=-P;S[^/,6\$\:7>'84TBFIM#&YRICQ[D$7+=5&0A3J$PY'W<Y^.]]@89JN
M>ROKUUHD_P`V_*^L![;$H95[E[K?6A]RFO3XT:M2G.$?L9+N2!,Q'6>]^Y*X
M4GBOIV.]]@89$](]O?7[-J;:;?-TVEG.U8].I[]?!6RN2#Q"\#DMJDTD?$>)
MLH<LJ/F2GL=2D]2M7$J[SO><\!1;>"PW]UQF+5_YM(U"C-5#MH[26K(NR"^!
MI5NY,5`_C<&?^1^.0,*EMJ3QAA3BU?8I7.=2E7>!AE?9O[=8%I-%K%[@Z33P
ML6S&QE32(,VBOM%A-U*M<=B4LLW&(R(\:QKXKG.,?)W[E=^B>][X*XM/!OE^
MTGK8T+=-N;SDC89FS=IKQ9=_K*1S5I3$5/4#<F])<C(GHAMJ<4GJO^*$J[WO
M/IWZ"8?T)]7]1S>V,6V56;Y4#T:A$R`:[215A%S8]2*"6E/DX5A?8E+:$/0&
M6U*>X_U'&^(5]?I]JOH&&:0'NN+64#RT`-6SXM7>M-O]-0;:$>&H9>+2`+3C
MLI,WXF4NFHKD5/5]Y]SZ.HY_R_QX&&87_P`A\'^6EL]V/-..Z,)4?H3:KI7T
MJN`%/74\-USG9_/VP=Q;*D-RF?O8<7]$I5U2D\Z&&:^-[.^NDQF9(B;EE4IB
M!4XMZEO1KU7'VVJ=/>A1X%DXMH@M+@B<\4B<8>1]R7OS8W4?7DECK@8?T,"D
M>T&*77-AVJ?S^I5VK$(I>=^2?M-=B)B00\)9I^9*D-DW8:([M84R60KCG?J-
ME,O_`/T+YWP&FG@]:_[2^O-I#VRPA-<I<H#2+D*SZRF'2B((^#<C@H*:#U]J
M5/3&;(3R8^P15L<C==XZI:DI[U3;G$AAC1_9W$<JKZ[=<+_78U3A1"!(Y8(1
ML*0BU\2/;L[:RLZ!&)+.3XD@M3R`]O@Z)->_,C.\6A#;#[C0)-^A*FMQQI\?
M>BS.IY^X,S#X_P#8L]-L"=B4CY67'F_Y0_\`F_&%^3C+B.?D=1]7F7&O_P`(
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M,H(/[S>N1F\5O/TW\&-/'G2(B:V7.`(D:O7>&'R4_"S^?/;*R196S&A6QC7(
MBA4@A`>4R^A$A2DIXH7BS>%/<CU]$:XSC,W0@$6U(L)VEF7"!.$*'@+V($YH
M>@TN:\4>AKE';&'U,>]"3%2^TOK;[:UI=;ZCP3B\9)23]IO6L,WUTOO61#&^
M6$O4^KGZ!6(O/Y*`_7<-!.?,21]2`Q1B&EYOG^4*F,)[_EYOB@P_H3DAK&9B
MJ#&U,C?:I$S>;`'E(=X>.0.5B6.+*92-F1C''^PGX\U3Z.-J2OO%?=_]_P`#
M#SCW(E,]EO7J!_*_R]MRUKM&;%N6]/\`.*ZM5=2;DQH0CA1+<]:HKA&7.8::
M3WGW+7(:YSGU=;^X,,CT+VKQA%1H]WMUOK^<UN_YW0-&`E+S:Z<%BOP=%%EC
M(8,CB["N:^68%@Y4EU;;"H*H[#KC4ASC+_Q!A^AT8VXAU"'6EH<;<0EQMQM7
M%H<0OG%(6A:>]2I"D]^O.\_QWG@AXRX4,A'7$GQ(TV*XII;D:6PU)CK4PZA]
ME2V7D+;4IE]I*T][S_BM/.\_SSG@'][$B=2I'8L?J%MO,J1UAOJ5-2/LX^TI
M/V_3K;W&T_>G_P`*^WGU^OT\`PT`PC;0]EL.+;9$N-/"FD#XB6ACK#"HK+H]
MM+/$PW&8JNMI4WQ/4M]ZGG^/\>`>L@4,EQGH4H=`DPY+*H\B)(AQWHS\=:6D
M+8>8<;4TZRM#*.=2KG4]XA//I_CG@'Z8&CHS[\F-`A1Y,I#+<J0Q%8:?DMQV
MDL1T/NMMI<>0PRCB$<5WO$IYSG/ISG@!T:.D<C\?@0GN1)3,Z+QV*PYR--CM
M]:8F1^+;5\,IAKOVH<3]%I3_`(YWG/`/=$:.WU/6V&4=3]/MZAI">I^U"FT_
M;U*>?3[4+ZGG_P!G.]Y_Z^`1.C9_3\VKL&J4L'%"`Q[TN1&BL]=?<_)GO.2)
M<I^9*<?F2I+ZW>\4XZXM?V<XGZ_:GG.!ELW[`4-&Y`Y&$C(_!33S`OC$"*UP
M:S(ZVI]F!QMI/X;3_64=6EO[>*ZCGU^OTYX!Y)KP!+,2.D&'3''\D<@,)&0N
M,PN2XZXDKD1KC'V1N28KJFG/LXG[VU=3WZ\[WG@&-7ZE6*H*2#K0`0##(GFR
MJ!@R!'B04$K(5(G#\U$9EM+29)@N6E2)"N<^KKKZU*^O5=\`V#(@3&3(1'%C
MF$3'GY,M#,*,TF5(E=:[*D2$H:3Q]Z3UA'7%J^JE]0GZ][].>`>OZX?^6Y/_
M``(?YSR&&WIOXK'Y;K<5:W(J')'V?,M$9;BNM\[WO$=5WO/I]?`"!P]J5^:W
M!AMS>QVH?9:(S*)78C"G5LQ?R$HX[^.RM]?4H^OVIZM7><_SWP"L*%B&>9V_
M9IP8:1*EKA8XEJL!RXG3%U.32XUE48,X@I9YA.7%C@XZU)AMM*0EGKCCG/JZ
MZZM8K;9^]#Q3/]0CA(%L@$W`X6Q\M3@`.>,UX#8"Z9D<CQRVB`<V!#M#'2$1
M#RFYJ74N=^]*_N;=>0X";1)K=GU-O0B8#M(""3'3VQK$MOJ%1GWHP@O&.CX:
MID13$SD)DI$0[UGB^-+[]>*3U*E<Z(GCT),T/@,,-1F8,-F,PTTPS':C,ML,
ML,,]CL,M-(1QMMIF/WJ$)YSG$H_X\_Q_CP")VK-J/=84<=9:X.(PH]K`W?L;
MX^QFI5GK4V,0#DR*8BF.$UQI,-KJD2/D;=0CB'$J1_Q\`E7!8Q,M4](Z#R<J
M.Q#5-Y$C\EJB17%O1HJI'&_F['CNN*4A'U^U"E=[SG.][X!%QV<T@1;)-W&5
ML9"LTJMA:DHC'CI:Y'KX`I:C(V!`B)^D,;Q)*ZDG'EL-MN2.R/HZI?&V^(`W
MG*W74L1XR0(5,:(S/CQ(_!<'C$6.5YU)1B.UQCXV6225=Y(2GG$O<[_SYWP#
M-=&CGXST-^!">AR8RX4B*[%8<C/PW.+XY$>86WUIV,OCBOJVKG4]^[O^/\]\
M`\XH@3`<<=@BQT-UUQ+SKD6%&CN.O(C-PD.N+9:0I;B(;2&N*[]>\:3Q/_T\
MYSP#8^`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@'+'L-ZJUGV
M2GCW;G<[V#%A*!H-0"#*-9S]-=B&M!_1,S+?/)5TP,?.O"8`!#,4=,2[`_[W
ME.(7U7/M&2ECT(`.]2+.$KASB=JCQ[(ULPG=J;)10%MYG2;5!@3V+0ZG-YU\
MG?6-H$TZ5*FVQY</"Z8G*FQ(\1WY>OADA%,_KWATX]G+L;72)"EY<3K9^K5J
M321""SQT:4P$P;FFK.T6XS,AEYF!Q>Q(\8=#X.23?Y]S_&H_QAR)IHGJ+9+7
M)T2!5]JAU$5>KS9M0%#"&;0K26K=GO616'$M`=Z35<`?#X*;6+4])&,/Q4/"
MBGV=<D2X240$@G]2$R/Z_I#T0B.C;(\)$/D34H371=%[RK@D&`$=N82'@2EU
M*PXMIL%Y$CSIYZ+^*',/,/I_5QY,V3-6'(W*/1$3(BVU)O4)$VV:&4O5LM)2
M#418N(_8;S1?9.BG9@$"\7)2!8*#WV9DR(T5R7+<;Z.:0](><E/O*#D;K$?2
M&HXY?H-X$VIHX_7+5="@9UX03<L?!-O7?Y[M5L1PG<SPQYBO&=+)/P>BA8-M
M*'E\?9?>==DK!R;6"(V?^NVJ6)ZF2W+PY*>I[$\4H8<KQ-ZLV*NV&Q[::MH<
M^,J5VHY6;PQ#VEZ,W]2'XK?8/%2(\MJ2_'Z+S(R/_KB&``Q>OTK6HU?FD`=J
MSHL=D4>7;+*0QBWFJ]88]2,N6?0R@]JV`)U7:2-,0(@X:W'?E?40M]WDA$')
M^Y=`+U2.U$)48M?UN"(L=&W`_K&<LJH\R;G-0#V6AEZ`;RRNY\5T":5@51RN
MFR<Z.B*=8X.+2W'(;4<:G@OE(Y9975C_`*^DEJ_5JP*VFP!PH:HT&EG1JZZI
MX;9!U`5-=%EWH`FTUZ/_`".,].>_#5.X3&0TRI"NP7GUL/Q@Y?H079_2J_"*
MP'AXD7GV"VE,G_\`CN1G%PM'_BHF@%H\MFP';!$.6<,0BO2)#T9YN4*9+RXG
M(KC:1\GDK[V!5+ZEMYWZ3JSVMZGE$6S@YN4:YG.A42QFD";,WKB8AQQT?0(#
MYP];[76)\*D@+38^*7%'B8TB3+CJ3!1])*GA.7G/N:4]Z.V,[/L%@L6]QDE-
M'+`RFQ2866"18VT/52<"[2HM0A/VZ9RAQXL8''8G_(Z7=).=ZM"XW5?;X'(S
M]0]2;+H%_!"W[D.KF,0,(S+-[+)_CXN;9K.=SK3FKM68@F<X5A+J#3)07!=D
M+XQ.:F,O+CMI8?2W)0*I87ZY/$QZ&*G'@I@=K;@Z/3+/2M.H0Y^@P9W!&N4J
MJ9%2XAX_+:L8]VR424"R"+SM?:X/=:?G/.((?1F$F*)R(O&_KO+1V`$7F]R>
MLULU"T<<I.6@$/KVD4+J@X3;YJ?WZA[])BN4F`\NMIC-_-U4A"I_$N-<CB\O
MT+>M7JO9+'1-/`E]9!13M^TFMZ[&OD;/20LEFMQ#46JU(K9*`["TV'.`&695
M6X0#2G)KR1GSN1IC96*IUMT1/!7#O]?TN4S9HTS;9[\>2!LE;H_V9^*CR*N.
M-JWN;&?/OM'_`*6\I&,;Q(=D.-H%,26!K+2&8ZG7GNB\OT)=7O2`;7*UKX@?
M>(S%AT:\5_0@%W35BL\Y6CM6VHW[#`!IZ#9;Y8@%IJ(G4S\EUH;"B`4K'/NL
MO./2W5S^B<C#L_I*<L<5$YK;)P2WRK#I5CL9,-49PFMV=>J6+)[!:*^3!A;X
M*LR*DMS*V4(AM'T.N_,CDA]]EE;$@.1`3'H^4S"C9P2S&QV6Z7_%S!`_28<:
MO49OA@T=7CHZ3*-B[-<Z2!G#8(;+5I6Q^V@O<[/^9ESCL1AMP7EGU]&1'.OZ
MT95=S>&-F:"$"Z-/JE'>3=&*Q:C%KR;1F*GGXJ_G\D/C-0J5?KRY9RA198EZ
M,$C+CJ;2S._9C_\`V'@.>7^AT#HWHU5]&VW_`'1-O9^#+78<L.2JX@2*E#Y;
M-*CRAU^$.R7.M.I@[,($56,8XE'/C34XG6N?\U\X(I86#2!_18<'8FBI6JS9
M@Z=2T4P2P[5A\<G'>=IWK3634]R:HR\T13,8]8H$IF,B.Q^-TC)XMQY+;74A
MR)W<O49BZ7[2KC/T"5'@:!$LS48(Q6HRY`&3<*E@M1.N],NEE?LXG8N`#G8S
M/XT=33DV3Q;CJ?BXV"E@K?//Z]ZE0.0T1;C^2H5$9!02**\3<.$ZJ'T;$;]4
MX%M)6.ZVAHF6KK6+-#DO#6`PY;)%;C8]E;7/O!RR2\CZO7N9C93%U;$Q6:R+
MO,`I2RPP.91),U.=&7.L58TZ*+MM2EEVS-VL1%;$<<2A,\8BC^/]DI[+BNAE
M9S[D3$^A+=5'9<Y4-9ECK9CY.RG*@=+T<::$NF;1*H2)TD]6XQL-PE'0$IKT
M5#;<N,M+LU#_`!SG8J$+#D2*=Z/!2`W,($G0RJG,SPH+B$>5RN"4*+Q@^0[%
MDG\G=8:D-L#ITJ%L$B9V,QSC*%PTM)[QMQ7VAR.SZR%16ZY7ZZW(7+;`!!05
MN4XA+3DE`J`Q!1(<;1U26UO)8^[J>=[SG>_3G@Q-WX`\`>`<=;_[#:#FMGLP
MG/Z74[*.RC&)7L#JKMJL!,+/GTB.7.CV:Q0D#AA"-VV3H-.,R>22'40F7(T9
MA2>\EKD1!DEDW`;W#RVR6S.Z571-]-G=,E,M`FX=<C-18,'I37!<TV=ESRT-
MD:)%+Q0VZ^KG7'NM_C<:;==D(;\#BS4ZE[<!:3<2.<":M9E6>#H6?Y['LI\,
MAC.C%ALLC+[#8*R(+PS'[F38A.7Z+^V;4J$W`4Y%=:^=;K2V>@H^YH!/O[C!
ML\S7!H+09T]FV3ZK8I`J#3K"'IR81S*:\U8;"=K5W,AUA)Y/:`*&VQ[T\DS\
MS_)$1A422EH.++-MWLG5Z+N('%SC,V68NG^OX-6:&PHL-$8E;^Z?(E23UBL1
MP-7^Q.0,\6J+`B*>,R5MO<CQ97?^+0F/&2NO8'W4J.$W,6`)`STFM5XTAO8K
MW^I:=J]+&SLCU+2`("+._=0ISUY/OT>"EA'XCPUM@@A,B0P\\SX*HY(E3_?>
MEVJW0EJ:0.S@R3$U\:17!20-#3LTR,II7EH+ACY2FP0U?O)!,)XA#DSH$AEY
MM^.^ZQWYN@XX_B>P?^Q["+:1>KU,':`=LCKP^&+&1Z^&=DOR)08H9+RB([^5
M,$P`^EQ1#RBG2;8]QU*.]@<FIXI20X,W-<]\,\,Q1,)NE:B;LIOD,94X@"HC
MH\;5+)$0#3<86;-&[7$?_%J"CC<B6LRL8WR+Q?679*VG$I#B96Z>X[><8[GV
MI47.;7<V-;RV_P"D5&1(BCH$6L1:GAM@VL3V^`YAP78?_P`KP0O(:X@[DB6T
M\I?.\YU*>+!1R\&UK7O+C-CU.H8NY$N-=TBUSS`:36;%!KL4A4CXJ;?X4<)9
M(\"T$I#[QKN9&'(TH4@H-;;99_*DQE2XJ7@XO&?8A>K>_%'RK3^5@K7+&NAB
M6KU73-V>AA!HVQ:K7[#C%?$Y]1S)VV@Q"9K$K4W$DI)K]8,;5$<ZU,4F-*^T
M%%M'\_\`SA.1EAD6UU.%;3=4CEXXB4PS669%KM4XQG4:]`!E.KJ;''+C)DI)
M:"A#QV(/ASTN]5"=?9_]QP.#(_</[)LG:K^MQ<VKMTNVE9T$T*;#J<(97B;<
MGN?"KSVPV0FH9<^=A5*KV:A3!Y)IUZ,9=5UER##DL3(;[X<'[^AT)M'M5GN#
M284.\#+3)5)J,>V.DPD4$W7H:"5SJF=UX1//V6Q5T2.*VJ[7.!!@_D/-QD\6
MY(E/1HK+SZ!$F_0@5/\`?C"KR.EF0+=S6&C-LJ3/DAA3+LEY6*6/?)##81)]
MRRQF8U%J\KC<R3"8'$)W.-0)$M*77&Q>+(I6/?,&_:IU3MN<VZ$B3=1%5J5P
M%.U&+4C[]UUO>J'3!DJ39;F)=`%8X#$'I,UR:IAF80?_``AZ7Y;L.-)#CXR=
MU6'E@Z#+<JB@Z++T?*_1*L*)K@-)3XE?A=+(&K:GK'\?^GR\94ESJ/K]O?KX
M,3YK9S_83)#5=^Q^RE4B5<=,HF<WH+:LZ@RY5$Y,T3*UZB-S><8M9^$37>'!
ML60EE[L.,'^C:?R)4=;J$]&;C]#J:#[*@K73L"OM$&N$ZYMVGMY[_P#E9^/&
MG`?@$Z`\9>^HB09$DY@H[0W8?W19;\"2E77H\EYGK;C@QQC.2M8WM3;9T'UF
M./UFKU&I;19;0!MMSL3]F(5RN&A-O@56H9_"GAQGXXFW:?V3+6(G&7(@I4X=
M^NXIV;/A-K%<<97T+RV#V`IF*S*_"LXRUE5FAIZRD7JN)BDX]0HM3(5@7;-`
MM2Y1(<J-5ZW-N0U,GD1,P@I,GJV8KK;+ZFA$LG/$O^QW`1':PS9ANBT^?<'P
M,VO"K4!`AR9.B6*3V`.U"'&>M*OS:>HBE4?L9CKMA4XCO4#%M_\`/P7@S%M7
M]B.;@*Z++#LUU`V;L^>ITNET]:\X$66T5I96)%9?2'F:"LS7^30DKI:,^4B0
MX;\-'6TO?E]Y&\#BS>3?>_-ZM#..6NOWZ=VN%K77BYBJ4_DH&S=`S]T)B<N9
M:E6#I>7H1*G4]V9SC++@EQ?4)_,;<DQV%AQ9,;U[/2!64T?3Z5G]I//V+;0>
M0&,^FP!*+W!)HT@IF=T#Q(R+3%JW;`!/A92$/J+*%*0SU_CZV.I5T$O.']"(
ME?[!<)%$!HQ<>VR9AZK9U;JXU'_A#72HO2Y=(@A^$N$+Q!5G[@Z3H0M$IRU<
M`Q5K?^R([*7S[>AQ9<^@;\,SG5J)F9FF6V9"O0%15N]B_P!$_7`9*3IV7Y2#
M!%8;YF/85R"UCU2"KK\>(\Q'91U2^_3JNH$2RLE+R??[)D)?D#J/LIX9$GD(
M$HR(IX?HUA0&AOZ;;9'5$+2/EO1JA1F43IO6V5J7U]J/%3)EKXQX+Q9"+5_9
M+DLBL:KW(PMMT>]4$+?2T`**$AR@^6&HT>PQR6A%%0;8Q)'T$;8:^N)+9?5%
ML?T=9<:&K9D1W7`X/W/H[X,1X`\`>`/`'@#P!X`\`H?V<(P1>%Z#+GY*0W1O
M];!CQ<I'UJ;;N6\K,,C8H6*5!#H)6=)K4`P\Q,*N-1);D8;'?>2P^IOC2Q5Z
M_0^>6-878Q^B4VK$Z[K1_K-.17K!KYX)?*)'L?K9)]2JC0HN?NF",@8;K)M/
ML)'ED(]:<=9L`EQIPBOC?R\D/#)OQ_CUR37-,]M(S2OZ_?BHEE&V#.,&K==V
M.>_EEJ#D!4!O`3H>'#M&]S9_*U8@H6YN,PGZ(EF41<-RHYA;S2!W4NAGP_XD
M1T&_?V.0+#J8.D`+#-&BN:4%H5@DT>K+C34Y8T?NP2UMR$BI29K^R@=2`UX>
MS^.\A)2B3>ML\7(>^</M\$BV][V:,>I=0`22VJV6?=*UO0.\&<URF9,TTKR?
M5[XUB%4L=.N>8UPL,'E_O@C[`5<K8'YIK3;JE#HLI:^`L<B/52V?V%,RB/9W
M"KCI_4'LI73T9XY^MR>`:L5JZ+UD;:#%`K`:PYS6J+5A3*$025G^DPHX],E]
M?>Y%BP8B0FI3?="6FE:)J#^L1R+HTM6]$.Y_DDZ9IV75L^2QLG=:O50)K)A@
MZZ.(T,/)Z/EB@-@88KCDG\6:1[$3+32OC[$9';7[]V88?Z)(Z=+L@2QCZEM\
M&)E@1JNYB-BQ\+=5*R(I5\POI.UWY:['9?WD.)%MC\%OC_4P6OQ!ZG@Q%>IT
M#C5KU\+[&4FT^QT_49Y^11]`Q_DA&3R*_C?+!>KKZ_3,T>SJ9'JT.PN3KU6Z
MH5,GFI\N5P&["DM2T#?QTL*$?].$1?2S'MY1]#N@3%*9I0]!O1=?M4,C%K4(
M[3+@S9JI9H@>2\J72"H\).JYVN")#$@C8!+<Q1%AJ-"G(3/4T"XM>203;_[N
M7`O?KOGL'4A8@*1A-9)0+GF5?IP>Y-FCE@`2WKM"M%:A7B#!$0XL69'^^:)6
MPEQ#\G[FU=3P,)>"N9D/VW!.Z1KN'D/8"R6.S4VAUW@_8,SJE7*'Y@G+-T,6
M"Q%ZX[FP.="LU-NL</!%)A,?JWUNL1TQR#<OBW(/M]&61DZ_92Q[A@O==(ZU
M8QU4N1@X#FM99)KV:/YP2PS:P\6V:*?L.9T*T"]?@6\W#`R(K\<'V4U\,M`5
MIJ5U_E#QAX_QY-[E]@]RK%MU5#6PCJHC/>:$5G:PX1SVG!@(>>&1O$@11,^L
M4JH)E',>-BP=-6^6CNS9;C[[;2";4F9.89!\<?J17:MV]B*U>8E,)R=QI-4D
M;?9*L6N5"QH=8YTZD6.Y5*1F0S-ITVF6B';C;E)065)_6PB<V&PV^J0CDIE"
M4@DL?R()4-4]U#NDY[G5QM>J5S0[&,;-:54PF=9NBI`Z37+MZRP$GZ399U2*
M14'C=:NEA9L:.SY[0HA+?2EN%V%!ZH5J.,KT_P#,A5ALGNOJ5;?!VVL;[#K1
M/0Z@9IU;YFD">0G6&/;_`%KMCU#U2P2\LI$F!FE0Y-MR%G(\(/$>='R.124M
M,8=R3!]J-HW+]W+W7L^#;#(ULI#+Z-DI]^O5'('6^0;Q7-E]?35\I^H&S.5U
M1$',*Q`C6(J&+"OC'.1$NLM&RST*+QX/M]L'4FJ*]P4[->"]$M.E,T<38I"J
MA38%1SV122PVO5KU7FBX<HI/I<VWR!UIL%ST!H@ZV3;>6@<I$=<?\%/54Q7'
M'DI9JV^_DZMV4A79FP.%:]EAZRNP;?FE*`.DMW2!J,6Y4`"VY0'))C-:A*+D
M)U1?A,2NF2,93"9Q6*S\:Q?M)7OU7]A[OZL9D/?L^O6.W&@'L17;3'HM+*CW
M[=%MF*[6+R87JE.L6:5DZEJ,46"B2I<D-7HZS"N25LQ$NM):!8Y?H172[W[X
M5<O,IM#A;0<EUN5M(ROWDC1ZK88%\KTD+KJJ`9)10N71JO%LM/-A*[UB1+)"
M$%4D(K;(R:CI%[R%7'!=>HT*[W/UUM]8ULQI)V;GN^$B%*+OXE!VBQ:!6*N?
M=F43EMRJG5\0&N]<*<F\8?<;ACV/A8;>==94A<GE,5Z^"'^L=2V")N+EPO&6
MV&A:#,I.E$=C)MCR',^*QK*/Q&9B-`J%@7(E!+)'SF,*-#HD*(](77_Q)Z7>
MM_L4.S17C!7(PG_8LZ2RFIR;I=PD&Q#*06L>DVG+Q!:2.T*U4C%)]HIIP%0<
MF,P!]'"DBMR;C.S$!(@XDTVB:9ZF,PP^'V^I<F#Z/[FFBM^+;8!.TRL#LJM.
MD@T%ZO7!<0=89;4&B`<\>EQHO7YLVM$LK/6^0I2^]7"NHYM:U-----@U'V]2
MC\ST/W2NU$"W-BV[[/H3U#IUG2?G8[0@VB6%=J5ZT<UB:.JW^O69$Z11P-GO
ML^FQ84!2"<R-SB$EH\6&E^?]@:C_`#-86/\`N00L%-M!D;OI2P9W:+'9,_A<
MR$$NOD<43G]M%#K[>/P:>R]&]A['#)28,RM,OL/H6^TAH.PZXA?E*N/IX+`-
MV[V:T#MFFGY_M=GT*-HF<6;-0M"RJ*):,8P.]I8G;K,M\A&?6.Q0KY%S.']O
M:[*D094VNI9<1#ENR"'T$\+Z%@MD/9*S>O0%\L2VR/H=-]IJ"V6M02MR:H6U
M"@0+Y6WBYMC/IN<AK36<D(L&'HQ`2^-?DQ(@^2M!"?`2W/DB>,_I@BD.;[(7
M?UHT=K1V=UGDX-]]7C$*>O+P0O7A)D==\EM.]-T&EP*M'A6.JYZ<B$'@<KHT
MFF2TP\F,Z3CLQUNB_:GX_4JZ28]]+9VP1K19-HJE2#HH!@`W4\[E0M)N&8#-
M/S0BS;77@^13@(/79%:CF?Y/7%$D$)<-:XS%=:Y]'%"_;['ZZ4]^0;QBL4^V
M;+V`'J^F=#%+SG/;59;18IFA[?%G_B%W,@=J+!*KP6J=,K#Y,K!&2A'%M1HA
M7DAW\4/M_3U/M&/BN08$*$[-EDG8<2-%<(D.QNSY[D=E#2YLWL.-#B=ERE(^
M1SXF6F_O5W[4)3]$\'F9?@#P!X!S;>\FPC?;L5C61DD5MF;Q(-0ND$+9+E5(
MY2M6AH5=8M$OD8&0$"K]32O&HTQ0Z;R;$Y]SC2DI1(E-.BIM&+3?7#!*/J\B
MUUX$=1H;'9%NAO$K+?2X@!`,S])9<@UJ&5*2JF#$**:79'>#(:&TM.$E.?$E
M*8_4!EXP1DMZXXH4VVV&=#G%K7;M:*.Z-5J5..7!BK!8&=U3$*(>+#J]%,+J
MJ#Z9-?$IDDOAC39$$AV%]'&./]<%R\&\J'IEZ]T=EUH+4S#W7(HT?^0<O5YL
M,ID4$EYG+`!XL@W89SD00`3CM;8AQFNH:9CBTHYSZ.R/F$Y,G5]]>\PTJQ-6
M:V##$HA^;GDTG&@6JRAP]B[E%C+W#/(MF"BRL06='U>V&WR+#,AI;:I7$*<X
MOB$I\#+17IKU]];O950S82(DA<!5XK4*9%<BVJ]UZLV*)*JEEJH6U3:G"+!8
M#EJ&U*Z$(D$D_%21A-OH4VM#L>,MD7+7@QY_KAZVWMZ^YA9!QF\&WLYA5C1/
MY)<KZ2LL^F7^-,%CGB5G?,-3'B!%NEN<8EQI')L1<)*T+:5QOO0RUY)S']9L
M@C'"QM@&6;06L\BZ]KR+9:$T\7;B%9L-0,6`!4D%D@`!$Z!M,UN;V(PTB2Z]
MUY2?F^KG1.3*UOWIOG\ZDC`F6CQM'M=7>FO4BT$2NERG:D\;+5TD=("9=1T2
ME6>&6E?QF,A#[1)'_3QV.M*H\B0VL$_KZ'B8RSUX8RC*<4T@[/*P,;'U#&!#
MCI&TUDV<DV*F@,#[%F1PC\6:;!7(?I\,=-<2J2+:DDV_D>0ZSQ;8J;SE%R!<
M`S2M:+(U*N#S8"VDG2[UB<$VRSPP]N<+E#YK[[;7D%?TEAZ)+6HB^/\`R&%_
M@KF+XS]J>(XD3+Q@@]J].\(N-M.7DR!LJ+*9E/E69HK0KX%C5FRRR5),3KE3
M!0NQ1!-2N!`IG`1^01@L,R7U0?HXI29$I+X<F>-B]6?7Q1R=HU\BEBQKC-7A
MJM=YTJXS5"1M:7,8KH>'.+V/D<<+;*GY4CX>=XEZ?.<6K[EKYS@9?HC\V+TR
MPBTC3@0J*N:0IX[;CCP@7I^BA((S_8C)IK1@5>;#V:$Y7JGH';%,<+BH:F8,
MIUU*_B3UECX@Y,L[0</S?3OG<MH>;(FN`QH",5&'CH$J*C!+8$O8*:&(!2,&
M0+,@KC6X)"),9ZF0S(C)^B_LZI*@3:]#GRZ^M'JQ=M(72+P<M1K7K1G'",*#
M.V;1V=`_U148TW.S_P"CFP[3&,#*D2_V?+A&.1W&TSI!EQ3G>N=2IL7+QGV)
M3.]4_7JVKM5<2(M48>MH?6;Y7!=ST,#7K6/78;'JL4-88C):(-M0QTMIA-YS
M[%/(XB>Y&4KG&DM-!EHZB"BHX(2-#1'R,J,+A1H$>08*$#95]J*TEEMTB8+2
M9A,G,6E/U<?D.N/.J^JE*[WO>^#$H`EZCX"7K$.GSJ.IT`/@UN`/BMV.T,/P
M6Z?GL_+ZM)AD&#+9",1`TXBXS%E(=Y(:D\;E\7^4VV\D7DS]6*K8I<LM-52S
MV\ZNK8D<0\<OA:_VROVVA6FB#8MF=L\K4)),8>A$0X@JEZ20Y-['7#?=9=4I
MA3K?@><_J0RC8UZWZSG5/;H\B]DLIK)@3)`UKEVV"NUF9/IK8#]&Z3K1TL*?
M.QH!:O0C++TEIUJ:5^\BI;[TE]UX5MKU]2U[WZ^9GI4>EQ[C!L)7E&'/@Q[_
M`"Z6Z',-UN<Y7Y!JK7:9#-,2;W6;),J8Q\G"+*F,$'X+:WTK[]WW")M'-V)>
MM?KR$FC*R(M%ZM.NXO+%BK!?&K9J0<Q$<%CQ[S]%8)OF7($3.Y39EN2JJQI;
MPI"I/'.,_?SBTBMO^3++E>DGKO*6YU-7L,*,JGP:6V-&:'?APB-#&4F!G(TY
M&%1+(U!:N0ZDB(0]@Q\?2#+,-KJ7>+3U:A.3-;6_6;U?TP>+T@`'*62O6R+,
ML,5:[??F*_8"QA5A;<O<ZMS"\2*_=OPK.2AM%7XR9[4&4IA*^-(:2V+RDO!<
MR\ZR[CHFB+#/??`NY?=AD'CMAZPS<9-]FW,I8E%4N=B==<NEI>D\@./_`&=2
M]U*&/@;^B!,LIM7HGZYI@GQ4(#<Q`>S5DC3"X8-J>DC`[]6L,2G#[B$:&1;0
MW"C1;[`H`ADVIM"7B+<-/'%]ZI?5"\F6SH.`9MICM=?L<(]%DU0'+K]?DUFV
MV>IR!H]\W3[/#4R[72HY:IP*TY^&)#I"_N>@S1[:VE)XIQ*Q$VB)@_43`:]6
MVZH+IDM`9N+88O42[9;R4Y]%KSN-E5@>EEB)V44F3"E'B(BN/NO+>^3ZO\5R
M0KKO0Y,TQ?TLP0T&FUR6)NC->ED[5.;"#-0T8..&#;XB1R]4X(T+L\-8>@7)
M^4IXB#CJ;&OO(:5\/.,,<;#DSJ[P0>`/`'@#P!X`\`>`/`*QUW3HN25!JTOU
MFQ7&3.M5)I06LU7H-!HO8M`MH:EUZ,S(LIJO`H<7A@XRJ2_)F,ML1DN.?\NI
MXE0J63C+O]FV(0FZ8JR4[4*F_<HXBP-#C<&DNE!-`L(7-3@.^S8`6\%W2(Z5
M#UD0I\>,_/,PFVYKK\1#,-:U"\'[$\P'W;`>QF@AJI1LTM\*KDZ':;E*O!PU
M1U1!TH%/H'ZP(D97[(>45_=@=$A2E28;[Z!\I+L"4EN4Q(0T#CA>316_W./T
MW9#U2-8]:(^<T<]=J[:;;`)THJ\\/""_6LK!T5F*NW#IXZMB>[HN/.&\BRS$
MCB678S*OM?:0''Q^IIZU_8MF]YE!9-*J=[/0#1=BL!PD(34WRMI)VFRY"$HA
MX19NZ)&JP8&[&T]+Q.%/ZDK!XA?)+41Z/R/+%X%Y>R7L),QT'81E2J)BX7YC
M'M:U>)R(D)RO52OYJ&B*=LENZ8L=>ESQSEB-P(R(`O\`*)2DK=4AM*&EN)&*
M62IB?]@&?T\17W=`HMXKE@DKM8VT5CD[-B%CK)NJ5O\`DJ67`0K09\XN,LT/
M[$PIX_\`+@,OOH9EOQW$O<:%XY]#'F>\%+`#['V!C&E5TN+G0UZ5SH;.IK&<
MV*\3W@=`,7I@'H\?^4-7&5`XXM8620?CQV>IEKC+YSZ!Q,T5[YU@AR"+BY1J
MQZS&E%XE)'BX5`&]U"32GK/%T@C4HY;2NH`C*HJFD'_L.2H#TME+:8OY*U_3
MP./^1>%J]D*E5<SRS5':Y<BE?U=(.6)B#X05LM7PA3/+!J9(_:&"9X?%ACZQ
M2*M.DS6XSTN4IUGC,9J0ZM">B8\X.>*[_8_EEJ"(L8/.-8)`X#]=3<B4"/G\
MV)1XEZ*H$9Z2*R8M_=BG85MD]<YWH1PHL6Y'?9GIC/,K;X+P?H2H][NTT-?&
M*VS7K>5B+:"P'AL.O!V2<<@:JM3T5ZQOGB=Z'BV:M7*#9NOSF.1%S5OQG4Q^
MO*XVT\'%D+K']D6>WR,$=S_']ENL@W)#QD,!NY2W&A=MY6JAJ$Y),$=0A!)*
M;3.NH]#G(DB5T0KDILA^,[#>;X#@UZGJ,_LFR*SFE5VBT'4KN<EN@8(`8'8H
M,208,%@@\Z4%2^F[Z+:JCM8B$VTR'2ZH+,U;,GHY4U$9Q?`XM>I),T]S*;L-
M\K-,)92>!Q[+=3*,MM=H)T%P&<'UW,\]T6%9(G)9]HD-NI`;IK2(H"*Q*-HB
M1Y<OJ.1H\E;0.+1V.,I-,"V$];@U1K`FUVE,1%GLXP`*@6&QH@-_%`2>-18C
M1(NF$U_Q9Y(=<XVG_"?ISP8G*_K][@B]F+5*H$:/9Z_8SE.AE9%DXV$50B-M
MC9SE6E6FM5U2;',M_P`8<%KPM3<F<.CQGW$2&D.J6S_V#)QQY,R_>YU"HFL3
M\6Y5;5;+]W]-$JXJI%<[)*M-@*D*G!?KBTOWB'(I9$6S=(DQWMA;%-.P6I#S
M*G$H:^8%'*R<STG^P"[VV)A;Z<[(1F+3584?13DD&(X((:T_/]?H\[.*;%_V
M/'*AY8QS8'H3\\BA8QJ6RMQIV6W#6B0*XI%CTG^P,$6"U\Q;LWNH:4;K6?WR
MS@A,>KDTXW2+O3L<*(-W&Q_S;\:YPFK#KT1*7`</LQ,%#ZEP>=AN./"./T.F
M,#]@`F^ABY474+E1Y(A%3FN@[NW7$%G@=[IP6]U$RG^+6*SC66BM?.M=7'<D
M(EQ7T.-O-([Q/5"-8.3]"]WKW3;/LM'B46K3+/4O8/(,_P`U1)GED1;)D]JC
M5*9J%T.LLJ[+0<H3,:R)0B+](O75ATN_3LE?W#)17C^!/(WO]FQ`X9`B:)?S
MSE9L9<;:2M<G9F?KP"K")M`AKOKIP5H4J"8"2%:/!ZB(-5-+<ZS)2J+Q32?D
M$XL\K/[G1GK3F@ZD"9R1=F%4TT;8/@6)!24QI1NGC:2-"=CVT5!BSY'3$IB6
M](>_'A.K:>_[VVUMK?H./U,+U+]UH6US:CEUP#G(FQS,X@WVXOQQ]69JX0L7
MK]*OSE-3'K]SM1.%P14=/#?B3Y*?PB7VO(3([,8D,(!QQY]C6V3WXI=;UCV(
MH!Z#6K-5\G!!FQ4&J6:N3KL3+CSM%JNO+OP4\;%"*/1J<4V*MI67)NQ(#$..
M8E27>,0_KX''PF;(A_8)B=0)CJ8FJ6F-+1?BN9"JZ'=SW\]B!4IE1`SK+&K;
M%S9GQZK^9<Q:@S#;'[`V'DMDQL20._\`<<#BR96KV4T7_P"&#_LC4,KC"])(
M5<*7K>4V\_#,173)RTCJ\,"SK!3I4F-(053.2MAV.O[D]=1QQ"5<6C@87+'L
M5)*_L2KH6R[*<,5V)-Q6BU;%#%(/!#E>AW2WS;N#T:Q:2IL5;;)7AQ=%'B5!
MJ(R.%KDEGI\6>CK2DM?<V+P]/J38S_8+F`$!=+,5I%_'":B1DHAJ*3LR$S+M
M71EMT^F&;+2H!'1(TLO^"7Q\TML4M+)N3%Y'?;A];=<ZR)Q;(_:?[+<:J"E+
M,4?4VH)-YR312?X=&:AZ16H$_2X)RR5/DN]1I:>"^9,5<:&3VH1@CQZ`B'%>
M>FI;0+P9E3_['<M",V(S8LTU^OTFO1"\_P#G)&%G_0Y6)#<V"*!<@CHN@R+)
M&5<"&#V5F&F9"B]C_#$7-_%;F-J2)Q?Z&D-_V34]JEVJTU3&=1LLBM5:QSDL
M/D,X$`I][`5?3KAS/6+(F[$FI:YX#(#<IHW#CS`3K"(RFI3O9;2>BJ'GR?1R
M"^_*A0Y,F$^-DR(L=^0.DN17I,!]YI#CL*0]!?E0G7XKBNMK4RZXTI2>]0I2
M?IWHP.7?<C(=!W'&Y.>9ZFFO2BQCG[Z+<W8,)E\-VOV&+"?"&2="TV"#-A[=
M+%D/R>A9,CL*)(:BN1);K$M@RQ>'DY&G^B.H_DUF3")4!^PSS10S9]!DV.WI
ML]$LTO91-_G:/3DN`Y+]JM-NS@2W4IS4F4*^"$PRSQ]Z"Y*CK&7)&"#]&MR.
M2A1^^F,Z#6:I@:6$H9(';[E;)M1*T]GU,"OWP3.*5&N\@V(P*PRQ.IXVU][;
M9EJ*X\M$B>OP.2_D6GA_J1HF?8A[,Y[/A9K3K+LM*BU8'*HUFM9.!.L@["1&
M4SM)MA>=6@!4>?N5F&++2OQ6I<EMMQ+CLB1,4\XH')-I_0A3_H]?Z_;H9$",
MRVW9*`MP\P/]?3Q^Q`J*=!\''&W(!!E-3L0<?(K]Q/\`;/#:7`G1I16+SKO&
MGEHE,!R7\RE27I3N^39H4L0.T2BNSBB!!-./CBQ&X)LNK66YXR/KFD2:_5,P
MI<BKPK0(KQ1-P>*2C;[;:VY,LI(98ZX@7DF_T.\;_E^BZ!ZM!\KK-.KM=EPY
M@&J2Z5HY8%8.E,OI%HZ)@<<L1*DZ16QMLLU."0B2'98(RU!DOJ84E3J4RD#%
M-)Y.41'H#J(,!4IY"1FM[N$9T&_K@HW9[<T'W$76XGKK%$TNW6";5BLN77X#
MV7&Y<;DL?(CHDRFONC?;/(=2+R7\CI_+\SV<#Z=3\`17:14[_0<R@XY2B!4@
MNV9Y;DB\YK@YZQ)C3@\@E$J4@]+(#(K1.#+DJC0FY<F*YQ[L7P1M<L^QR)%]
M`]RCUE@?)D9B84L7<@06ND[D=9@9K*L=HUXMG>B@25=S&N"IULP0=?HB0T2`
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M0KC8["'SS1:X-K5UK8>M$3;-;L!!N#5YEA%F(:)`J2UV6"81]K:OC?:$SYR5
M#5/3/;5F<QKFFG*+=L^S(_$L1`^1MUS)V+2R$BSYM<)+QNI3JYP;`2$)TM]+
M7)!8C^<MQ#CG&DJ<;\A7)>WJ3WVU]4+GNU]DG*^!S@Y7R>31:?9H.G%$E(!N
M15[JN^U6O5P(YGYR70I$ZQ--?M#D4F['(0?L9F"9;L.!(C41DDO)3-D]!]/F
MQ7A]?3F0R:>&6=YR[)M5OA6'/#!S0-XM=GB5AF'5UNEXVPU73PE=.R>2AJHL
M`'S_`*IC<<>RR')&C.^L]FS'>LN#U^D![37B.RYS9\[8`#M+9A^O-&JM];MN
MBS0!2%2I&="VM"8=>0:ARS@EY[L5CJ6R*Y*&FPSE%[;AZCZ_INJW;6H6A"E1
MB;+>?A\T:?Y579V+D<HMM#M`KFMP*N7N-,M4VT:48/14Q&)@Y,T>+4ZE:FU]
M2(I+&"HGO3+VAFQ\P8FG,7;16KG0[9)2!6W67J4_26,7%Q^5-V!DDJ+#B3*A
M0"\"=`K;%.CDB$]M]2V![KXYL7DCIK%/6:Z8?B6I9S3IM#'';/1*U!IJ'VS)
MBFPM#&875:`<L5H'3(C4HA"L=\`.$9ZTI<DD675/2/K)=<YT1O+R_0Y,!_UX
M:^FJG_K9J72KPOB!^;'!%C)$R&55DM8][*6L(`(5G.\S!"T&1NICF9#04,)B
MO?BNM\2E#+#BQER7\CI*I>J%E1ZS[SCKH/,\D(ZM=+/<:A5*(1,6W/:7V9"J
M3H(,4<F5RER"@F6<K'5EHT6#&9<BRG6VO_J^O@QY+EDA/L#Z[>S?L6>HITD,
MR+/7`56L@:0V&T`B8)@B!L5>JY8.Q;AW$AMQ.@;B'/"N-0H4RMMP%1)2YG"?
M7(S<<5-(KB\^A6VRC$,'F=ASBAT0,=MY7/R0,E-"63+XMOJ\D'9!PSX\^+6"
M6.L<R4F3^")/UV*W)[+DS.D'9#2&!>2]R,'?07>)E5TX34`6!9T"TPC+?YDX
M*T%R5<J+;X4I%%DJY8K%C9H4(.BK9^O+/RXM<3,[&;D,07X<E3,M(*2]\G9W
MK7ZSVO%;N=N!HK79LFY`;GR\S!$TU))VVX&-NO=\K=@-O$X3*B3P6BVA@8AU
MUQ3L;K:H[7/QT-JZ,6\HY!K_`*->Q--IY(-2X6+U::1SVQ940#AM$OD.LG"E
MI`7X86]B2CR,Z[-[>Y?;*+8D"/QW')#`E'>E><0PV@9.2;\D^#>BU])E/U=U
M;SV5D\;2K;9HM#)GBEL*F`9PP+L7R:"=8I-2@:$:D6=B4^T\3B/36AO8L2;,
M(NLKD+$<E[>I7`GT"WL,R5+S;(`NNF-%LP+UJUV71&I5#F3ZJ+%,,+TC.B.&
M%#&BCL[E07XXQ@H>EO+A2/R1;P$A]KK`<E_(RH_]?VNRK,,?.D8?<]"HT:!4
MZK5M=16+S66+&_-)/'+!JC.!RSUPLVCODY(TP4A)!&OT[4%LG..O(DNK%Y([
M"S/+=5+^KEPP72`-7I5C"@S6?T@_4I0V*`)0N@():EW&+!J5;J,(-(K!@FV/
MF=BBQS<XB&D3H\&)&E,1D#'*Y91Q;/\`Z\O8(W"&<N>EBK*S'MS%@G@J[>RE
M??[(T4%;;CL9\-8[EENBQ`YNO^QNAE#-46T*1,A!V(GX\L=,CL\2,N2]C[2<
MY].<Y]>]^G.<^O?_`#WZ?^O?_'^>^#S/[X`\`>`/`'@#P!X`\`KS2E4)`8"K
M1([<@3S0\T2#2ZS/?XW?7+W7VL[D)2._[D.1[LN"M*U_^W0KG%/?]7%>"K/L
M0&!ZTX+&E5PL%IL<;(K`X>!%2P%GM(I,BNAP-8I\>I'/U!^*S:Z?^FI`J-(#
ME.3!DI0]I;[#CJ?O\#+,6/F^$X,$AZ,RR3"B\DIEW&C2TV[7^V.A*.ZR-,66
MK0XA>QG'R@46U2(RH`GXWVA?X?V0&6/JXE09;-^1PC%K$>M-F)5:$6+Z'&>[
M877CIR1"+L=CT2%.D1!/#'1,!<N/G->;EO0F&5R/UD;YE+ZG_(993T&K^I]>
MIR[[#"&B54R/03PL3V,G7M"<IEK!7FM<(AJ%4HCUG*P:V,N-)&N11P6%P-'1
M#XMAE$?KG5"Y9NSS_JW[)V^M5HM([;+-S.3%EJ4F$_HM0@7#*;^'JJK2P#M@
M==;K^G48P-/`W#`MF83A,NO05S([;R8ZDA]R1OK-ZI^N%O-3K#8:%`F$ITEI
MHWUJSVL<.-35P9`P8FR!1EBAA3TT;#./I&_G1WW("I[RHGQ+D.*6)ED"U'TL
MSO3+]3K1U0NO5T4?'66Z`1D"RI-:).#/QY@4>6/1KY``.5^,_`9[V-.!%'F.
M?,J`_!=DONK%4O&#];/ZI9`>SF6%KRZ=E,H%#L<B/>2:;-,730I2<1M5VG#9
M8C1Z`4"29+I21)D2_P!FEA$9]UF2T_!?>CN`F\EB%Q6(YSC]!@6Q3=AS_(*P
M+9KT]P?/M?(XD/F)ZK(,DXU:A2XS\(EGTDBTZZ^SR`ZU)5S_`!U;?/!/.?U(
M%8_3G!K6(S!D;'-#.4TU1C-:>)W:^V=PO4:A:QEWCT`Q!M5OFHL=10Q%>CCX
M1%,R/7VICRQ[,=2U\4')FS8]?O57&H@>S<IT.+QFW@!8LL7L%TNY.1:+;-`9
M6'BOR[`=L!(FA?SP1?6Y"G8\2&WQ*N-LM=^T7+9*ZIAF#5^6R%#5B?V50W*J
M)%JLIW0C7Z9@04'7JG`JV8N1B>W(!5\E#CO0H,!]V"/^+\9+;24J9X)ED=:R
MCU:S8K$C1AX\/+BSZT:B56);+D5%!9X<?_K,9=44.,=(!:ZJ..<_7%+!V#'2
MM*.K(RE=;ZM(OW,PI?KAZG-UT/87H,$?1WIM2*@9$;6[R(H#QE^JUS+J(?%P
M85YB5)VPKK\0;`$$&FNS?R5-O1W?RW?E6&9?S.GP]A$G1\8F/D.?BRHRIC2)
M\*<'G)BI>=C]?DBR\:"3AM_*POG.O,H^OT^O/\?3O@Q*1:H'KWA<,;=(-=$5
MAFMNCXPN>/=,$GX7\T@YYDT-;$1N7/>>CDQE1KX[KG6UH2W#0OO4]^5:A<M^
M#QL/JIZ^V:U'K6:I:UVJS2'3,R?"NEY"R(17]A1R,ZS5:('M`^-3+',(T`$Y
M,*AFX,^4N`SQ]Y?U[Q0<F1\5ZI>JU#?A6L3GP84FBA`4<;Q%DM,H-7Q]:;H4
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MUD'IP.5:;B8FU,#:@U9+TRO/NV`[-0$KBJ_11?ZN!#<;A0(8]MEAMEOG4=%R
M\?H2*E^M/K1#E/&ZQ0D(GO6'A1"C!:]N38A&C6>.U!2(&VHNN0)K5>/UUG];
M%ALLB&V&F^Q&_P`9Q'5B<F>P<7Z[8;J-8J@9LE1;GH8$15Z\&C2M,30;`W6*
MZV*!1)+77Y&3HOZ*E04Q8K\S[+'-'"OB;<=9:^W@>6B-Q:3ZE:M1W3E<A13]
M7":;I=5<M.=EM`%GH^B6K035+U>!_*Z)/'7&3&*WHO-8+.\E+&?9U3SB^16>
M.H%RT;ESUX]9,Q:D:HL4BDM9[%8,R+TG2KZ'34:I0QKK**PHTBX-?JLHKXZ*
MOY*M]Z*RGB.]7!ZKGU\?J3+?@E69!L3MV2A:M20Y7_6/"2I@*NVL7H=:G-/A
M;.Q;XJH(K1(XBWQPPLY\#\!"6TP&HR6FXW.14MHX#SGSZD4)^GGJR=%Q@;N9
M@XX]UJPQXL>OV&SUMYZ`?*Z.6MPMJ56K"+FOA3Y#7K'^TA<<[$FMEG69#:VN
M-(0+F1IN^O?J5KC!@(W3!Y)-1-VBD$/U9^Z5J8U++,V6RW(!&*!CHB>3!'8V
MTE>DF&GG8$UDLZP^EQM"6VPY2(Y4/27+:]HNA:#8B#$J46G!B53&4HC?,S3E
MPT6<TX_QX,4&::4,")EAD:<9;*_J7000BRZ]Q8SG7I/70<G@GU@QKU>2>"9>
M>HP*07T$/998L"[P[):)"JZB^N&GW7FY:X\'L56\V!;*W%MN==+.J9[][#?6
M1,OU*NL"O1O@;0`M[F??'JYRIT2^2-+(Z\Y9YA:_PKW@M*<58+Q(5;;E&LT2
MXV$"/-0Y,Z*\KLGK4K[X?7&!5R]CNR!"9&P80Z.J2N/`B1X3"YLV82F+9BLH
M8:5+(D7Y1"?)4A'.N/ONN/.K^JEJ4KO>]&)RK[;'M,KXO%Y&5'X->L,C9_LF
MR#(PX<KLX(/Q[7S\L78@5?/5B:8&RY09C[&E3H[29B6'>]5UM*%"K'N<5L?V
M.:1+,F9@NE5@O68%:IDJ8"X'GQKI5[G>5)SNNUHA#'WPZ9F!R^X66OQ6"10)
M6ER`4EZ;&C28O6YW!EQ6#K3U"W_5]Q>UQ6FUJE5INC6==='#:R4%O6(25%V2
M\5VP5^VUZ)>KE8![\:/5X!&)+)PP$B<@JMIL?\<5,J2)))>A@>JWLQ<_8ZO;
M;-@,51Z53R\%G-RJ!?Z:+/B6FE0[/7QUYKXW0;^\&/`I\SD8I$62A$V.?]4N
M`.E(<9X$DE@X[E_V1[F2!SB0/+*<"8>E5@O&/VB*0B!JMGMS,C<S!6*VOVR]
MYO6V9_-FI%\'/-RC8F,W!BBG>N\4\KYX9<$3NEZ[MT^O^R94E`NQ`N_E%B)(
M@`KE#(B,J+S++[#OR#5;*S2T))D17W!,&%#?!HF3)$9B(XPRMKB>\I&EX17;
M?OEHZ:C2Z(Q9Z!=S!?@JK/Z)4!!`4*OX&U4+/$<LF='#>L2#:[WFUTN<Z";B
MCH-I=2\)^>=P+QWJ6Q>*]3?UKW@VTP<1F5#_`(&1DBP`9GEEOE3.$3X295,[
MUPE=(=PK@#6NV(B1/V+*V?U<XHS57)42?V8S#F178K[@<5ZFSE>_.USE4IRM
M`\>6;O.@$:[)S,_+CUH_F4((PQ(KE=OUMNFJTH8FR;\-D]*U>8P.2ED8RK\8
M<<<^]38G%%^^FFT77:K_`+98+5;ZV;CII>#$8M-J,>P0QV2G#L;3)EFS6Q13
M9LRTK2:P^S'B'GFN#UO.L-?+!BJ3QOP22P<T57^PS738>N$5S<$,LDJ57;XT
M=KH:Y?H+G<S(F@397J+3N/7F:^WO<5RVON(EK<EN?"VSQ8+G4R5-#)P2^O\`
MCW-#;_8'VAMLRJ%BMKIKHY-?Q?=8>*42BWFO6&PPFF?:>PS*CRSC]1_DI:&2
M)916X4UQ<-Z`J<\RGL+K3RXLN#$?;_'H>UB]Q=>9-.WP9*!:S#J`DG$#SLG?
MO`/(=&D0\[(Z(HW`#0[#:I4[^*EY;M?*M*FD4/."GE<0U*2F-'HPL'T9]9-N
M>V2NVM!6Q42U'*;;S`-JU9TB1"J5]J;,^9!KNAUL3,/VJ3"!&9XLB-XM),A%
M>(AIGP2%H3]J!@U@H[W6ODFJGZL//Z_;,1HW<<W:W@;/4C:*Y(L>Y5'E![FU
M2?GKAROY%._4%C,X?5N\<;LK\=2%QIB(O6>BQ(!2_=#7;9:,IRI0S-Q.H%+<
MY6=A$S1=C+$<^9@6ZQ#OJ1!#;$-6',66L5SLB!^6\AA2Y*)2&W8OV-N"N*]?
M8N#V+U_5Z'K(*LY>U76YIRC.2WB=T@7*RUF`R/%:I:I:FZG7K/5X4DU+718T
M1J3V2TZAN6K[NK2EMOHB2QY.<X?]BML@(LLBWPLS#K8$64L'B,NRYH:$0G4L
M39,EH+MO'VZ>D[I5J>2225`2!P$Z.=B=;1!=B]CD98O'Z&NM_OMN-9FUT#&%
M9>2N=DK5R,=K;]1L`J&#_*'ZX9S8FA][6)%TN`N!$S-B*?<@UYD:F7-4A)&+
M(ZQ#6'%&SM/O%MM61H8XFK(!]CSDM"IT<61K1,/-TAJ7[$6O%[#N=;CVS8*H
M&"YEF`6N)(&8#Y24VW)6ODLR-B?!)=#BCIG3O8;1Z!ZN9KMI.%FH&R%F\Z(:
M5&Z?#6L*-#&X*9UN7EC$:]UP9I]@ZA/>AQD(\N0084KL+I*2AF),$23>/8XG
MM?OIIY2T6.S4^)$)UW.SD]`-+8UNMP6P%R(%::[)V2JOZO-CPIF3H!.G9C!P
MK4)J8_>_G1`J.\?\ADHKW.R?5GV4T'6KS:*+J$;.QEA&YY0[T(%Y:2$W@&D2
M<'PFBA,_>Z[H=P&B#)4[*6Y!!.Q6T<$_#)AE#*%2G(M,9)+T(ME'L#KY78!=
M,FC:US-)FLW3.'43H-U)WSL]UOV:N<:Q\MQ6R.B6`(]G&X,!@=^N<3QLIWC<
MAAN/'9=!I?S*ZV/V?UZD^PVBEJD--KS6NU*P8C6I=Z6`KOKL[N(^AN:^,M5E
MNTLZ+,BYKQ-':<[U[\03R1]$+FL.=ZX@5)8\^IIZW[W6&;:LL@`^1"#.LZKF
M4*8Q;JT0KCQNG7FN>N]:(%*3%.Z[(56B@&QZ%.G+"@8EQBJAQ_S77V(TA1)\
M.)=OM=[;Z!ZY7X(*@4,;9J2]4HVEGBOZ^Q22D*@50N4JVM+A."WG(:SP6Q76
M@J',K:_[8I(CU25]90IL2,4SGP5[P>UDI5TY-R_+DSZ29T:"6J0YUPO<DD\E
MH>\60G245P%IINRC)NF3,H%2`!DT-$,\A&W$L02G&6)4@7BBY+#N>JW+^O[7
M=A)%J=6+L/K-WEUNZ9R=ADZVL8%)?0+;N_P"_:1T,IF(WW]D/B6&?)9ZP[SY
M6EJ^)H1)<DCG*P>[&]7LE;LX%1*(D"*$G&V=1HQ:-5R.E!QMRT8+#UC%HA+3
MR%E)UZ-)HP^!,@C!UAC<41ER5F(\=B,B6,N*1)IGOUOK<3G:W3<MOI.QQ0<,
M+!!"KM&1GVIG^6FW$,(TEU)\FM=USS+\JLL@O*2D:I1*2,0N##0XE,H.*.MS
M/L?:5^K=.WP=&JU4YI-@H[X:P7$>674J!EFHZ1`%5/1+Z,Z9`S_M"YF<A$2;
M+A`9'1/4KCK\2/Q:FQCC[L'*HO\`L#UBR#ZE7!`'+1NGVRU5\.P-GCKB3BQ:
M98(_KM`%:Y_&&#XNP.4BQF-9+2A?79##<B+$8C\D=>8EO=%XI/\`0^N[7'$M
MM\>6AQWB$<=<;;ZTA;G$\XM:&E..];0I7U[Q/5*[SG^/KW_SX,#]^`/`'@#P
M!X`\`>`/`*=W.@632:*S7JB8$`;%"N>>VT85.PI!(7$D4B[@;:E<D=&4APAS
MOZ?Z<8ZMM#W>_8M:$JZK@J\'SDJ?HO["UP#*!-'\CBQ+;9J\1M#$2Q6!B-5!
MM>NV.7V6]31U6RBB5N=*M9FAE^.PFQ@*(/X1;7Q<Q?S]6,N2]3)7_7;:`\,\
M``#\1+U"Q9+8LP%5TXR;%#\G-67#\GSXWJV?Q(=4-Q7;=9K122BBJ>)&RI4.
M:S(_8)D=EL/P<C`N7];=P,W.Y$J_:*N%J1(=H4?-:^&+/U(/EB#Q36"42M1:
MZ,SDI.)T:_1=+Y"L@T6<KD9*(WS*:)J1';8I>9TC7<(W7//5^\YCE3..9YI%
MUTK1+)!@U8[90="SVG:?I9*QG!])L#&?RI\2X!J>7D(&S.UY`]HWU#_8GXR/
M@Z,<IO+S@D><>OUMK&Z4G0E!*91J)G>!NXN"K%>TW1M%_*A/=SE\3!&5RX5J
MN57.8-.74)<9P@)2X1M++L5PCQKL5IEL&_&/?)R?<OZW+.7FB7A!FG,!'SKY
MV^5805>IBKL=,6WV/*3+S,LLS-]&3'N]9#[`(_6$/U:R2'AKB(TT?UF%)0+S
M+CPGTMO>5;C$T8YH`DY38+EO[%KL=T^\30S5&2.>>M#2G"'_`+'O:7A]UL(\
MVKGT_)*.1'6OO0A2DB.65@K>Y?UTE[/<WS;I"G2@IR!O#I6%^6@6V.M^G:#L
M]M'VJ;!DYS9R5Y8LM;TD8#LD!!>N)?A@H[2WB$5IB*T+R\&CG^A6YV*P'C,\
MUC5/BE*6W4V!5+>G1A21\,`-#UD+*'A\MILF>Q2HC,B&V0(S2LF>R[UQID8T
MK\!(<D7W[/\`JWK.U&LG[5;'0A@*@@X,=<LJA0RT![`R5%K,D1!J'1K%82@B
MR5F&L>N!&+5UIE7>NR>D4+Y'9$3P5##_`*^[36[A3YM;A8K(IM?M.'&1`<A'
M.#%Y2K,#'KQ9+I:LN&0*S-@<N6HD\I+LD%]>&==Y*BR)$B0IR9'4+RS_`!+?
MV;TY/:GJ-ST7I2F..2XC,G/%'&"LDE2;3'E^O3K-C&O-1'4ABC,7)"C;<R$I
M,MKA%'$+3Q;_`-!%+"P4Y7O02]PGP\>=$Q:&%A*2`BJ:_).VJN9N*UNLZ$.J
M$VT-YI4G=2=L$%DLV2G$V1TMWKD9N<X6?[*(NB\D8;'HIK[XZGUXJ*]?7:?1
MX-!/CJ@DE9IH`A<:A%]1XC];X)E9NR'#51[OK@3>9)(BR)7%GV^=@)ZP^N2'
M)>V<_P#F9#?]?5\GE1T6SS\I.!DV*N6"PVF8JQS;G9JK`A9^()8&5@R0'(<K
M)&GJE(/L<=(.-.F'T-J'-=Z_-=#DC\Q_0K8FKS6B';3ES%3J#$\575#&I`HG
M"I;U\'W$50'QL*@-$B8ROOP/DA.R+"L=";^")$%1^1?RWQ>2-AOOJ-H/L![!
M[),BU^EUVKD:AGHZ'I]B78$6@W#[F>S4ZQYB&9@"'X4F@F)=ZBOF5)GLJ0MC
MJ51)+BHST81222,:U^A%\GVDX7$`\`)5R/9M)(MTNP*L4$#MX30;'=BU/@;7
M#@THG#'_`/QP%VF+#I[+#1UKK8U'&U"V_A;CAR7ZFOA>B^YP6*(*)2,.O%2R
M[\DE#I=G-7?^/:Y)L!K-31FJ7\>_2S,*MUBLRZ>]($/):L'7Y\6"](BMI^5E
M`<D7+B7J3<LDVP'?1(7(:M68TO<F+/VL/N3YM@K.C:CH6HTH2"JTO,PK6?G:
MZ6OB6"14:>^,O!@(C2X4KB![PT1RRC9T;T\.5?;ANRSR=.F&X.I'+-TPS')K
ML_,^+P?9SBJ5')2(?%M1'2^TA93\7CB8;K@I:U?<MF+WR!RRL%07_P!%=HL*
M+M8(VC56U6;3Y]M/6BLV;HT%2:_:F-5%:5BQ@;,CY3;B.B!<N8'K%2`MKB$8
M948\MA*HG.I4FE4D;2/ZP^R-#UNE;'`=S/29&?$[\2&AAA!%#.&FM,);&LK5
MYTZ=1R9)VLPS>GP#G/R;(["'LB%Q(HE^3QJ<Y!E-8.D-SR'7]9TZEH'FJT!R
M"M5&X/0C`VS%1&H5+9+57;/3!NFB`K]#LM7LW<_JQMS])$DD![2"9%^8^EU<
M*#SE(FDOU(+4?4Z^5+UZMN+)T"OE"!+=1&D5@O$KS=0%A*4'UVE7R-5U#*[%
M2A$Y`&L/1_N0E3:GY'$=5UKG5>0<O.35T?TJG5+UMT[!81JI5U5S`YGT%+KP
MF6[71MUHF59A62)TT#<2+46AV:_Y^N>10E;<@E#DJ^9U,AQ:N4<O.2%>Q/JY
M[)^R9.H&#\C%:/*#5&P@7F*_9#9F0#)&PN@5PW)'VV3C@6ZV$+<A%F&)6/1.
M!11/X,CKC994EM4:%4DB!:%_7OJALQ^HS^V9G0,^A'[:7I':Y!<KM@S%BW5<
MD!L4$"V-H\DI.'V5^<V\Y!@'J]!C.IE/O-D7YO.Q:%+'J;:G>D.Q!=/SJX(@
M>O\`GM0JFTN:PU2<O7/B,4F/.1'@6@!6B<K)QIJPQ;F*A1TNQ6)E7&17T/N/
M12/Y2?Q@Y+'ZX);I_I7H^K>R!;2[43RPEFLX[35R0,D<AN?:J36;[Z_79FH7
M0!#H<9%B=%NY6:0W*+GC3$I)6.RW%'L-/H=!226/<]_7/TMON-;)2[R??RXW
M`J=.LH-V[P';&YIQ)@_0<6IHS/\`C4\&U!8SZER,NDOPNJ(NJ6B6QQ$2,XB0
MY)!RRB>R_7S9[R)]DUZ-(SB-=-9M-,C4NR@+5:S@T9D^<W207HU)G`"5'`*K
M3H@0_+G2E1Y9;\^P'2#OR,14QF4"97C!WEX,2LM8V'/L2K#=OT@U(#!'R*14
M54$(>LA*;/\`UQ(R^S`!UH:7-3OP`06:0E*:CK3&@0GY#O4M-+4D5)OT*;F>
M[?K%`?D,MZ"^1=CD2D`NJOT70+`V%?K\.00L$JRR0E4G,5\=7JY$05F2YRF(
M\8)(B3U+Y#F0WGPXL]6?<WUWERB,*O64]:S<<H0A=!4W.-"LQ\Q'$L2N3+8(
M&AJM*E&J`ST:['396>.`5OM<91,4YU"5!Q9HT^\>(-U:B6+@S5VI6D53-[S5
MJAS'-!3;"0+4[52*K`E11_`/()&57S&CBE&FHDF2[":E<7]'/KSG1>+S@]Q_
MNW@;P9I^QV1R),=@Q.2XP"IZ-<P,LR4=!MQ:0`/PJ%#8M-Z>A6H7)6!CL?N$
M1)[;ZHO&.*=X'%EMYGOV7Z_.,C\]+ESKU<%B"-@<54;:*B!'S41$^+72DLN$
M@1X5RCPG6W905:N%(:'$_.PWWOT\$::]2N&/<SUP42@"GK67$D7RA(7.9-9O
MHP--1E1C``(^[?)12I1(>?12)JVBF([QER"W,<)Q_BZOCGUX'%D#G>Z8<CF>
MQZ-GU(/G8]$U/*<NJS92KZ*&EVPAK0;')@.U%*S_``-R[BZY#3K4=WCK8Z5R
M9`BI=:<Y\R>(%X^<,M2H^U>#WVQUZIURP%2MFMLSX@`[F>:!&Z9'0Q:[!#N4
M.7/JL:(K.YL!"WAMC6XD+.4GJ(LEQWG4>"8:*T$>]>2R]+*48H)N--KXY5Q&
MRKM;*3<0H5BT4O5K'E!QLM,57'`8.JD3X+GZTW.GL12+TA,='./I<0D7BR8U
M7V+]9ZKAX>X54U*'9;4"(O-`0EFE7YVT03$`5#4%K,2BRZ^]H<LHY676)[/.
MP7'GA;B9O5*CJZ]X)AY_4UDWWA]?^O0VZT0M]YDS[4"I@V34\UOQ,5.F6`O^
MCX6&GOXT@:;J`,UQE@L2&.3HXY;[/'?^3K?%"\69-;]UO7PJS3XDFW)'E[63
M`5U#(^KWZ?68UG/0J(^N-&MTBE!QDJO13&G@!RS+J(L!)$S$C/*9E.]80'%D
MRMGL_C5#,V*ME2-I>(5$D-KA1FKYGHUMB<LLZN]N+=.$3*I5"\(];!M(XHW-
M%P%R)H\.E4R0VTPGJ^"89#D^\/K#*+/!T7HE*1%4X_T\C.-*>I:F8COP])P[
MQ_#^U":/06ZS!;E,37&G"4EB*VI3[K:.B\9&VC>XGKZX&$V1=EL`P(=-2`72
MIK--)`L"S+-="V@=#M?2]1@O5639*M8!LT/PDF,HM%G1U1..\<3X)AFWI7M?
MA%_DP(%<N$[I8F0K8R""-TR\5:P/R;A'F3ZSW]%9JV)+-1RX6'TBAU;*6VQK
MK,ISJ&'VEK#BT0XA[I>O57)6@1=[;%K9&I3[L\?DQ:W>S5<%1Z@<TX,RLM;6
M*3%`PK4:B8^?=9%<><ENN"Y#4;LM/&77Q>+]B9G_`&DP^JPV9]DL1<-,=(00
M*`<N@WWMO0>*0,[*0JTNJ1ZP_8T'I+.JU[G(?XWS?,10WU/R-O);$PS0E?</
MUX%F)5?.6&PCSXTX2KA0,3RW3&"89$-D*^4.FXK].XZ#H[40]$==-R_A$=:<
M[W\CO$+^T7BS+A>W/KX4-5:MLVDER7;['_'JB],H%]A`S4EHV-K8LZ-/3:NP
M#54#EM*1A08Y\Z1)<FXF/!D/N?X\$XLVYWV<Q>MPM`(DBYWH3,[@Q1[^>&Y]
M>S%=K]DD0.DR;$\V)K4P8Y"KT#[7"\Q#BX@SKB$276W'$(4'%E7B?>3!H$=4
M.Z%G*A;^3C`M58%UVV6I4PB.O,NCUJL""M?K+T`W>[0TF',AU^,IPMV)-;=2
MPJ/SYNB\7[%XVWV`R&A'0%8N=Q8K1^SS:&.""RPH['DRY^F3K.,IL5?_`.2U
M-PW"4^G$6GNO*;3!6PG\KK/RL_()ALJJ)[R>K19;<2+HKDM$YZ&Q$[VCW[L,
ME%EBK(:(%H<ARJ\BRZY6!U/+*/$>*[!`K'/MD'8SB/LZ+Q9,!_M'AY:F`[\-
ML9.8'.W^)EH6$W2+JFW2+^09[)BUE-)=KK=PB$'@R?V'_;";1^K^DOJOQ^\<
MZ)A^A6=7]XLK?B\5?I":>1>.?IV106'<K[*@1_V((-P[:U5VDJB5*OJ,6P1%
MX0D/+'\=*1TN/M.+4V@7BR#P/["<ZGYM6;:/HU[?OMJHQ2URJ>BEW6()"$`-
M($75Z$>N9&IP8[0`L++<0&-IC.#2JF7.,.=ZGO.!Q>3H`G[*9HS1EWBF%!]E
M`#[5C0(Y*_\`?5\:"';&?I+,8Q.F$A;33+H:JWADQ)BJXEUI'.-2/QUK[U(F
M'[FB#>YGK*7_``$L7[@R4^:HM7'CK#2KQ6"_YVHF@0'/VVQ1ZL#2,8;;I%A&
M/1I*FD1?P)L>6XM$97'>"\9'D&]UO6@Z7A`Z]>IQ<H;,`@P2*)H&AS.V,Q8E
MM--,`G(]34T:_4*>:_</L*<9"<=1T@N-Q7/`XLCUY]V,TH^M/9;8J_>(0T.:
MLM:NMQGT2ZN5P/+#T//]!;)PI`VM%81BF-U^_M]*EUO1X(?K'>R5\;=:6L.+
MQDEM@]Q?7VJFRX&PV6PB;`$.SJ^:&2<RTO\`8#F@L)94A92+350<7#S\>,Z[
M*58'>H"\8;<6F3WB5>"<6=1^"#P!X`\`>`/`'@#P!X!0GLE;S=%S+EEKT9Z8
M5A7G,VF8S,LW#2ZU-O\`78<E$M0"9!G21_8[ZOR(ZE]C26?N:?0ME:T=%7EG
M++>\[[/P0E:#UJSVD7>K[OZM5P_<H&=EFJ8O/=:7ZX6V\-/5RTW>;(%L!0VO
MDA+I-93O&V!_974QWNJXR+A9P<ZT#VP]I*'7/7S.IT"C7$A:P69%.W>[(D4]
MN?!LP>L/M9<<L=^U(4U*U`C#EDY3!>.J=-G.#U-M5]WOR+0,G%99T3HNYF:=
MOEBHI;0YX%4??,MMT2MRI'8_4^O`_P!?I)O1[-'87'^J\X'6VLE%E)W.]CQB
M#/6G'$.NLMN")962:^MVG1VMGWO*[/HR=%LBKU)L%:M\&_$[+69(D^8T,D/R
M:/49*NA<NT?'ZY7N0S(<=]S<\6@<8>5R1.>99$:\)G=O@Q'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`I7<\'I/L!6P-<
MNW'VVZM;8-VKLZ.+J)[HZP0A!RO=>>`WVL7*FF8LP!99\1UF>,E-\1)ZXWQM
M]#3S8J;1R:<]%Z(1U%;53U6Z5Z";BWNT>P%6@V,$X?OK6N!W:'"G28$JID(-
M?#62IT_M:<7`;&+:$588R.7'>'J=4+R\%ETGT;RG-9XV;G=AN-)?#&K/)@<K
M4/-!CCE)NTF%+LV6'I3&=<(W"E$90J*MF49>GV.#V&U^(48XE?%@Y-^I'`']
M>N45LS$L(Z^:NHZ+K54K@0O*FYX\1$=I2\?57"K<U.<-223XUO#*^AN#.7*#
M-]3,<;A(>GRG'`Y,WPCT/Q\+,"JB6#25`Z]905[$U)ZP!E`(VB`^U*-R^]4B
MM-G'CI(%2X@V0RN;T9R*Y(6S$:E/KD^!R9-:KZF9W4K78[9!-W5^18\ZM&7N
M05$08IN#6;C9W[>:4T:K5=!6XJ49-R75C)!0E/4#1(D)&_B<E2?E$RV4Y6/3
M3UEIU4M]5E7,X:"OV.B4VY<+'*0$98.1;%CIRITZ9`I%1J`,3//RZU7&%LM1
M6)<]!-2U+5)F?/T7DRU\[]=<S!UF_P"<L:#==#?=T;,+)=)MFL%<G64+8,SK
MF2RZ#6I2:[7`(\8.9J="`.N,+B<DS6)+DAUU;LKKO1&WG)G99ZGY]D]K#7,3
M8;]8359K"*%5E6LT)FQJWG(^(U"K5!',BP`?L@#4V$N_A/2U22CJY+BI<N4K
MX^M@Y-K!7ET]=?6T/,O4;2[_`#HD33'2]D(5VU7*O!(#0+_:KFM6,<%XV,%D
MW0<F_6.0M]3TB5*;9(=CMO-H2QQL7+]C=\]+\>*X16<5_.F3JM7K2'T&JV1F
MJXXW/8.#&.QQ!.6`@Y?'R^U<6#?5#?<*U^>Y.8=ZX^MR1]CZ`Y/.3('>J^.F
MX`V?4;5:(O*_;K3/'&:N6K"V1U@;UV+<K<)9@JK,RNQX\2XUA\2]#3$2B%%Z
M_':2T\AMUH.3(9&]3_6>B$ZF7_E2A\[UV3(M4IRTOYS:/TU:LD6F/+38TW>F
M'?XV-FKQB%*CE!WZLO'7#D]CSFT..I\#+_S+,MGJC6K)9[):A>E:O19MBN3&
MCM1*<3I;<&NZ+V@N949NE=Y9*+9)<8C9\XD.BIT60])%]XZJ6Q$8(?27P1/!
M`+MZ;8R`R.TA118G4`P"D&$BR)RR?'7*O%#6#_8T":9F.PURT@0IP:TJ2XIW
MKOZ]M:>K^_OR>"J3R12+_7?DYZ+6#MST'3+A:DBJ\FR6N43HC[UO?#"*F)`O
MHD_Z\9[76A@VI0(J'@*0\HK$90DHY.[_`)\@Y->GH3*H>LE'E;9D>^T8W',4
MJM5:XG119JSO&'[18KGG&0Y+7I4:-"%,!)-6%9SF2GVI*I;S_21)Y;+;;;KG
M>T-^,/U)5.]-<ME3[*7C%KF.+6>X$+S)F)F5LO'B'R4S;IS_`%D)9:N<KT\7
MUW?CJ50Y\29&=:3&;=0XEI?'1.3*[H'I!A@LE7)%8T72CXO*+`";B59=NK,X
M$)OU+?R62^0*<@52,78,O0LC`17AJ9;(N!#2XU!A0TO?X%Y,\J]Z+>O5"F$Z
M\NW71TII==M=2A0"QVH0B<\')@`EF6AZ0]1#2K&8&CP$=V06)?LB\M2G'Y\J
M2ZOKG@<FR31O4#',W.5/6"UTL:8&'##CE<?O3&6G`-$S"#,:M<>G1C%CSN6;
M!56A3!RY,`HS/8L,6-]S+I-V.E#:`Y-^/J:'4O2##]NT>^G+-?;KVY688`(6
M`(!D9E&C#JH1"7FE!77:\]G4Z-.E$(LLLP/LQ)N;:(/X7&1Q6,S&^+@*32-M
M*]"\8_/T$@,)&Q$O3J\4`6]U^M8U;I<WAV?(<G$&".B95<"L1R8+>Z,7"0_P
M2[%;0M414M'Y/0Y,DVH^E6.ZZ!IH"U3+ZVW1,DL6.`"HNW2&+`D$?AU:&Q8Y
MYJ9%GS2-ZK7:JV\+*.J4[%D3);G4K5(5]`4FC70/13!QY:SS61L](BU'KE8)
ME9C0*6*A1W="IFC4>YB4V,)4!FA%J\8&ZD5?;A$S4]H=*4UV#^,RWQGP.3-T
MOU`SY>!?_'5)X_%I3I%F;.)BZQC@2PD&X[[3K+:^!,L'5L<68Y&84R<@#8EC
MC2H[4MD@W,1Q_P`$Y/.?<Y_OGI$&L"A$W`[F^+_:6I0'3K?+T-J<Y_$*_>*#
M.MM(8!QL_L\>S/N&,OY%DL=*5Z?"G-.(7.4T[+BK&7+ZET&O3K'H@."J5:KO
M6PE6I$*IDY_;&!C19%&KN>2*([&/3B]?DLPXJ0:&YLB8RJ*\B5$0YQUMGKS3
M@G)D>S7!<FB93?,:O-HJ4^3H.^'M3N]:K%Z:GL0C]\T+_;5%S^+*G1QI?@Q-
M)%BX4:+^)$<DB8RNQ4-L_&I`-O.5]"/6KT&]?OXXIS1+]ILU[L$[457L]<P`
M8]UN_P!#J6&U*)^>(K`44DM31P(3RLOIC<DLGN<FNJDS'W5N!R?L3_.O5#`*
MEI-@L5$G];.5^ZUZXDZT,:H?':Q:%TV2/9:('!]28T20+LH,VF?T83,2H*'5
M(>B,QT=^WHC;:\DQN?JOGMXM5\MM@-W/O;\#L0<L'BE!$4*.Y:Z14\_L9,5_
M^0EE&9I&M444CZ/RI$9EZ+UQMI"G7?O!-HJ"E>B/K\H18#M?M-WL@34Z78Q+
M19@[4^Q9=-T8+.CKE#BE?J0UVQ2WQ1Q;K)HHZ3*S5*0[+ERE<YWP7DSOGP8C
MP!X`\`>`/`'@#P!X`\`_G><[SO.\YWG>=YWG>?7G>=_QWG>=_P`=YWG@#O.=
M_P#/.=_SSO\`G_/^>=^O._\`W^=YX`^G/KQ7TY]><[SG?I_GG._3O><[_P">
M<[U//K_][P!].<^OTYSGU[]>_P#W>_3G/KW_`.WOTYX!_?`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`YD]K*!K6AYZ(
M#XO:"E4M:[>-$ER0JRRZO)C4"]#B^;7\[%G1G6_D.4"LW)^T!V__`,(HT#B<
M:ZEWJ.^"K'N</"O7;W&AK>UV<_**[M^BJ`5(Z5M5E@4T@(J[OL:`E5PM&!&Q
MT&8//`"]1)K?4U^7#*$9;T-Z-):>?Z,LQ]/8LGU7]?-?JU]L5GUX9>XZK/C]
MGS<58R6GNE3-6`Q=GT&RUJNSQ433KTU!,JJ5UB.CID6:;='I@NQG"*>I9X^#
M:QA%#S/7_P#L0*@B3-DO-G?9??JMG,B*YJ2WBQU]FR@LRM5%KGV7C-T01DK(
M\L%6U'%GPK+I^U%V?R6WEO+<%S`Z4W;*?;1ZL8?W%;G9RUCJ6=0O]C/V2\PJ
MK/N%ZR2)7-&SF/88PR9,`NJUO0:P[6[:Y%==C*#&I'%+>C(YSHQ37G)4@?%?
M<^F6P099G:7<U5>P5D[=B+NWQ)`[8:G%MF+%QE$IU5L5MB":P;IXL3;&"#LY
MH/$*(D]3V7,Y/5R+"YC@CE>]:_:A1/.YU\K5D/KEWCU[O!Q`S;(L094+C1S?
MK1/TVX:)$0?&LZI^PK6>%!P]M48LK\B`I2&8R9_)2:,KV+HUG`]TCZ;M&FY@
M.*D7M)MT>"3#L:A8`T`WF?\`IG$Z;(D#*G%OU%!1[N(L=7-/#G>D`DJ2\RTS
M)),P)"^>")K&&4._Z[^_,F@B@1&\7EV$*!YX;+CH&K.S[U9Y]@(":UIN?IGH
MT:BQ.]HU;S888@OJM`]B=)LY)A,WJTN*>&68Y.C=\P'<KH%RJ)4B,^Q%06'E
MLYO%BL9P,&/V,@7[1?V:K"Q"EN#)KMA4`D/SVX[KD-3W_%*E(ZE7D(FO?ZG-
M@_UP][8LAMD[<M%(/5W/00%Z14]2APJ_ITH=*.MZU#3(FZ/7Y&9R=@@S8\NN
MIA5QU=7EQXD!HL.@P./2Q<Q.K<K$:_6?6O6\GK61VFN:#6NZH3I0Z^WF42@'
M?]L:/I5YKU>@Z<(N#!DU8*S4#P]N?.09CI;*O\CI*<6T]+;IB\9R_0XZ+>FG
ML7;:[&D6ZN6<W8>@=/I8B3+UID=90@2S5+VCJU%FV:1#T$K`*MUH/>:Q%4VX
M2L,B#\GT9<E\CO/=&7)?R++MWKO[?Q#MH%T0WH'Z]IRYQ,=M#^_&^AJ'2GR6
MWR9M7MXLO9I1VU'[N/L578#$I$8L^%[#:4J5`_6M<DB9C[E,[@)]B[/<R%*M
M4;0!ERW<[:(N0YG%WH=V30**8[KT:UQ]%I53M\T#9JQ:03X-/S-LFA8/\!:'
M9$+J&^S1DL>WH=LRO7R^1L)LF:3AENMT*N^Q..7S.J__`+://6=W-Z3>L9N1
M\='O1NXCRW9*)8.Q/1HA(LEI2E(:2IMKK*4##/G/Z'-%<]2_:^EHQ*J5^WZ%
M6\XKP[-9MN@532G+,:#:;%$@462S0V;9IU1&JH(QP)*AR0[;A$5ULCQR*!EJ
MXOK4+R3_`(EY^QV;>S1?3M'F98!MEIHU\I%.!E9)#2.UI^GOAC0AQUO#1`+:
M,^9?FDFNR)1KAY`3K3K'R1R)-E[HCE":QY*)&^L'N*HP.E6*Z:O6H)&ED9I:
M5C-VI_\`)6M)(4:8)NY$Y)LND4FM$"-XEOP4CY[@PXY%GBN.I<$)7^8Y"\HE
M^W/!=PTG(,`;+#I=-T[,Z%K#[C5-U"S!90+0I6>DP66/N6/MT/F2_P!#G(<F
M=$E&S8]J6GJ7Y)!AI+SM(FDW]#FG3/7WW6T.)ND*Q5.W$JIH0V]CQN;U;>W:
MN&_V%8P&K@:U>AA<EJA<DO+PS$T$H@-DN#>3'GTN(K7$P$LJ%S%>AT5[0XE[
M&V[6BEIP5L[5K03QW/*C5-;B:6D!3J:6JI;=R-Q%W#-FS3+EJ59!EW%1A4OH
MLHF!,<^=*H?8W77!(M8\E$1/3S:WB-6M1<#J5FL<56'EX)"V:]^`4I3N=>P.
MD6J;59PJ!N]S&6,;7`%^B$QKT@J8=FCA\B+(>;D=CPG0RO8Z`]/\,]BZ3:*Q
M8=RMVE&V1.?6.)/%6G0G20:-IAI^@Q#I8:%%Z5?F+0$.J!%"8^<7>;DP72DI
M+`\4V\F*@)->Q6L/UQ]KJB%DV0*4N]LO$X*U%.`[1["W\N"*_P`BJ&PP]!;@
M"I&B`Q4(DZ=FU)\9R),#):DC8[;,T?'3+>\#,649J5$]C\CQ`Y:]6MFG_.M1
M&LUVMCO9`G5+A/BPLYVW_5HVO2!N@J&NW`+>"=>F2X<(@0+%UP&DH=+JA-1Y
M$,EAOP7;SUR]KB3-B.%KEL,"=._?"1':3L:HIZ!3;+SVBF3UA:M8K2$HO;<J
M9;:(M#I)<:2TH>TVW,B_A]<2)F)WUC@B[6'#A5+V^A0*F=[4VJ79Z_"LCEL#
ME1TBMPH<Y^$3GV"V&>QI")KT1UH@1GRD/L.?63+:ZU*?I@_7P?*ACTH]MX8F
M(9'(``[Z8HY8]>30FV1.F)>FXRY,PO#8(0A'F`GTS+OZL7(JE9!,^!^I+08R
M%RHZ^HD-#/E$LZ+Z\^V96WT8.<3<B>>A0E+&EB=MT&(B0<!#+_E]_B0[8'B;
M)?F$7VB3QIJ!&?'1GU]&0HCZSY.;,DI9$RO8F_J5ZK:GC=ES^Q3A%DJ;8J/2
M*5<1<O73%J&E:?4/7J=3I\N0$7;#X4OTEKX^#.@RGT=+LC^,([V,RVY$0#::
MP1FR9/[J=MG1E5$VM51A^QLO0@F@G-7XUH,H$0OU`)F1UO"0MDD47F81J)^^
M$B&8HN7-D0(T2*^`&//2R,@,QP0`-ZS>Y]8`&F_V^DE"];%Y7$SZB5^_A!F/
M60=4ZS1(P6F7.?\`[MJMI!UZGDPA.*3<`"A,A_\`-[.^^Q?3@_HN8GVP1]W4
MI^_B>+^WGW\0KJD\5].?=Q*NI1U2>=_\=[SG>\_]/!YGZ\`>`/`'@#P!X`\`
M>`/`'@#P#FW;_8'_`$K;*`'D5`S<8=X%F688RK=%=M,VW.Z5B.:4T0.Y835=
MKC`\B5UWKDZ3,FQVXK,;CGW=YQ7.BI9(9H'N_CV<4/&K\<A6UR)N$/I2J`6(
MU;BV6(+APQ<L]()03%G%PYDVOJ,QF'1XJ02)3)#O$P8\OG%*X*HMD"+?V3>O
M8@L`$.Q+T\^;$BS+JVQU896*CE`E5*<ANCYEMC&#1@40ND$:2AB8Q!X9*_(<
ME<:B17Y*`X,M[.?;.A:,DRPS6+]5S=9I)70+56K.,KZ3-8K\074[`#Z7[7[-
M8!:9UTKMP8G"FV)+Z7FHTI+JV76.M]#BRLV?[!<G:@5278*=HE/EVBRUBO.5
MVSN9M$M81J]`*-8Z0=F5N%HQ`J9#V"!HPM+G0[9-X2^I]LBB)UA7U#BR39W[
MCA;G5=KT"QY;H&:T7':?3[XHE:)-.)GK17;=F<+3VDQ*S4;+89(HY"#D&6NP
MI#WW.//(3Q?'/D;:!Q,'/O:$_HN_':(Y2CV>4?.\E/V+1&KE$J+Y\3HL"XQQ
M2Z[,(UC0+#&;@BZHV@HR]!C3X<]@DCO9;3C/6%`UX,BJ^\F7V7C[<BI:;62#
M5.@:*R*/A*[R;,H)Z?F,.IVACHFUE8K<>T-ZO`=9C/.M3HOXDYJ8S&>82VZ)
MQ9Z6CVK*M9M@>M4C)K\?`Z[>YXU^FNPZ@WH3M#BY-K>A,607'?OT&K#WY7\!
MB2VVY9+KZH#RF>L)F.(:0+Q\M'C-][,;:B4.<-'7(O"T<GT?6B7(5=!!>,<O
M3E!X6.'K39@0>NC)15OBHJIKS#DOKT>*TA4^2Q$<#BR%=_L)SBN!GI]VK=W:
MC15,AV;FP&JE9I=GO,Z)32@VD@^631W208C(&WX=UR<85"!QU\>^:>U\?>>!
MP9MJW_81CUL;%/B*W>68YFTY=3XCQY[.ZREHGJ5>(6060(?O=`@_KZG#CC'8
M+)MWZ"3YSGZP'(*3.\:Z'%EA:I[D9-CEX7GURA71!_G)SS?ZX)"E07H$7/#F
M@0RC<ETQ&[P>>?K[]?@*4E*I-D6U#^U*7$O>`HMK)H*+[SX_HF<;/J%:$WF?
M7\2&]-V")#&`3!DV%7'+OPYX")7[*7C,/R^@9?'()5X81@(:X].CQ6'&W5AQ
M><$&*>]T?B+Y$AY3<1O0$:=/K=U9(YGH=*(`A6-9?KYFVDNU#48BG`PUG5QH
MUEN!,E*)2'$.QG5,]<6R'$]['_9+Z[58Q70Y=-SC.&HX^63?>&U^/_%6GW:U
M"-1RT"39V3)8Q3"UR&1C(\-&*3H7)#C_`,2XT:0\T'!FVA>X%C<RG>==5B]P
M?CYI<*`)IV;SIU,KMYL5?O5#R&SP2<\FJX'*;&=>>TER0E/9K3C,=C\9YI$I
M"^=#CYP6)5_;G-['#T\K,#W.JA<PI!O3GR]@&B5Q;;G%<+W.OF;A4F0!PY.?
M@PS5!(M<CS6H,YQK\=]#"F9+2^B89S&9_L<&UN7HU.M="L-,T^++LW\"J%C;
MIZI848QFU=/4F??XH712L@VQ:KE.F,=<K7228,%M+D_D%"5O]&7'./H3SG]A
M.65FK3IU[C'NV0=;I]55`%APU>@$UNVVS4X&4@3K5=FQ$*M+M@)-??+D9\*(
M@NM+CR8D5?5-"<6RR*A[JY3<,DU7=&0]X!Y?D-?@G+#93XT!%24=D4`)HA$-
M784.RSY<R>"$V.%&D/OIC#G9K_VQ9,AE"WTAQ><>Y!0_]A^0'UPA@>F:B2M1
M,#'/"JJ/&4V>^79FZTK!![`FS0KP_1"*"6S\2!8F-E>CW%+Y-_(X-^Z9P.+(
M%H?]AHSKMLJV75J0QH%")6\=:1UXY7R(QB;4<^UH@<#MJI-W*2QY:M:3G[(R
M4DAR(W/C==D#52XO4S$"J/U]"70?[(\3-2#;=8JFF6N'7IU@<+EJ]$H4X9`I
MM6=EL'-!G/=T!I^$&BK&R>I%NMHLZD(;5T6E,F+UX3BRRX/MP,CXS6=?N>:6
M^GHM.M%,CAUIXU1)SD`I#T"R4*`?.VURT#:0`KA217%.I>FD(ZN/R&8:$NRG
MH[;P<?.$5L$_LAQ&SS)T:L5?2['%%S34@J7#0:1,%AZ-7I0^(7THN\B]\D#J
MY"[.^5T>XURS1X[?77Q;2%M*<#@S=\][,^8FWM]0*XG*[3(%WNQ@D(`A1S5/
MR'.:M53%@TNP3#=X9Y8@1N39&G@S8F.LI,AOI^D#Z,//]#BS?]]S*R3R"D;%
M4:%:;$&M.SA,=-"5FZ)#FT]^7;)-5L%JEF8=I,4ZR@:ZJ*J5Q8<G/Y-86GX5
M?=\G&PX^<&[KGM]0K!G%TT9ZH:,!334T5[^'F!(#MPLL/5X@*7E$JN1A=F)!
M%_[![9(D:,U,G0GH4WKC,]$3K+G>!Q\D3(^^63B*M<+$3J>G1Y]!*D:W;:BR
M$K<RQ#+<&!:J;+U9E<:VKKY$A"[CQ:+Q]B<N`_(<BJ9D.,/_`#(#BSM`?)?F
M0(,N5`E"I,J'&DR!<UR$[-&OOLH==@2W1LN>.=E0W%=;<5'?>84M/>H<6GZ*
MZ,3GSV>W<CZ\T,;=8%-1=EEK%REP!/32@2Y%RLM?/L9:$3,_5E$(_GNJ,A:P
MESJ/K'>-MO<2[\?Q+%2R<22/[,[$5CV$Y0L#<M54K6<SKW.,NW*8/C?%^JTB
M!$D2"35-GB1H(1I^2%Z\4=<=7-3UUF1%C2/B?9Y#+A]7Y.L,#]BKSKUQUFNF
M\K_CH3."EAK,&W#S!"8(.6VC7*RT"X`U+-`0"&_F,5E1$:]&7+:4)EL_E=CR
M>*9[3%K!R7/_`+"-!BPW20_,Z_.ND*J%IUXS0UH,ZNA<Z,4*L>Q>C7*K/EU9
M;-.%;TW7\BBCE2VNOUZ8N='FP5]B(4],&7%?R_\`(]]%]\=+@"-2K?:91:L:
MI8FT4L]8@6C2C-A$Z!/(^P-4K=FHE4,44>W8JM79V,MD9[L]R(XAB6]]K+G(
M*_R`45ZG1M0]O7S.6>Q>C%<_=BJ]91=H%W83$L*)+I#3,_$GSMTI\:8Z(C-P
MX4,*P&E-3UH5Q31C[E,IXQ_V"<?*7U*JF>]UGAQM'JTRGYO%TNCDJY48,J'H
MDTOGMEMUI(7.)$DUV:Y6Q)XV##1:]&<FMM1T2T2E2HOT3^/QYV9+Q7\B-M^]
MFFCY]&@W,+BU,XU)J=BT681L=\ECRN0D_6_4]<,:?0YX^HR8?!+MRSF4+B15
M+GDH_![[<N,VX_&6JCBC&;_L8N<(*<LYK&0'`.>NR1FB-0KR:C6AP[)L&IU\
M#$J=;+4:*I$=Q6=-/S^%I$"3$3,6WQEQ;'_8'`T03W-V\5>[S6)8[-[U;G+@
M?&"PXO4/KD5<$@<WL.B2_P!=9A^52+J5))&T22SQ+S:&DRB'VJ0E#/S.!Q6,
M^QTY@?MU-VG1$UV75:E6:K8*C<;53Y+=^Z4O<==&TB%EY$1=Z@Y7AT0')/%W
MG)HQ<:?,X]#2E*D\<^[Z"-8*IVWV\TNH[S`IU-!4AZOUR_*RE0`]?G0EAO-W
MLM<Q.<++%A;-+.20>?5_FW17?RXCDJ:[(@*3UCXY+74"I+'ZD=>][;`/;8I[
M]8G2[4&M8\^<(MV\`A]_+2&N!<WKQI2NYXW`[`M.@N&*VF,B&Q*1!!R'4S/R
M_P#M3!Q-J$]][_,.U^KF<JSP4<:+9#V[M\U<HJ$BO[@:P@;5$Y])EY_"?MMH
MKL?=8[A6)(:@-=7`0AAWO[!GK(<2S?8CVXON.WTC2*CDPJ^.\:SL97UJM)R*
M5,W"]@=IN*1$@,&I1]8X6S7L0EQ8\WY7NO%2L5+C3$=I]_M(DGY9!)7O;=&Q
M";6C-J`.!.]V:P?QZP:C*'W\;4?7VY5[/]!K1@/'I\P6SM!RP6)#H4$U*=B+
MCQW4/S4.?;]0XF+7?;[4=#T[!*QVN4>@A;/?*OVUL1-`?-64X!O6<[_:JB)#
M!B=)$I*06HF8QY!:0R\PN//X\RPI]J$^X\+Q23^ILB?M#<,KW?V5&WKH4Q5A
MY>)'S:&[=5B8@0;4:-ZM/R`:Q<ZMQXK9ZV6#V0D3%OM2ICSO(;3'V_8EK[1,
M92P51H7OCKI'+[/&#5/-LWNA/'R^R`K3.U"6\(`9XL,.<@M0WRN>L-%M?;G%
M4N,"E1_U3S+"^_F=[SJ>BJ*S^F3K`-[5$W,/U?4[%2QP>UY-?9E.M><).S^2
M:PO]E67!K%@L4P%'&2);]/MD(S^8-3-$2(<EI;$E:%*4@3CYP4);?[%#->*7
MJ9`R^JF:-3;?;,X9.,Z6Z@D7N`PG[!PP!!<9JGR1`RE=CX&ZZ6F]FO/P4$E+
M0R\F"Y\XJB5V$_L&V"M_[/!$<I#:<8S<YJ*[58@=XFQJ6(E/:=LE<ST:-LK5
M!7$71!/<T9$3I<A'[IN;/2A$.3V#+6H.*.S]^W[2\C*9?6ZQ0:+;#UP`SS5G
M</7TW5A`94+1L,ROD8"["H]EG&4O6/<6)7WOM0_MA#G$_3KS[:4#%),YK8_L
M3L18U4*S6\WIA<]<(]=JG&WKO9QP>M:Z0OF5T\R`-&W\]6R0KL$;JL,NTZ-;
MESN1/@1(8CO2_L8&7$_*/['"DLU4*Z,SZI2RMQCC:;\R[C8X@*G[-*ME`J\T
M/:#LNBQXDFEPXNB0BG90[DJ>U!7'2_'8?E\:9#@>51_L)U"_R'(=4P.O2NM&
MZ+GDNP/:,871Q>BW:Y9O7(,Q^U1L^<8*9_,@Z)\H^1":=*2Y(UQM<-AEY$A`
M</U/T`_L-TDN:HM5_P#C[!*6NTC*[?20RGW@S88([,SXC*2#JX9>10A##MS"
M(U#\J2U,1"%]A"W.IE]=D--H#BOJ6#AGMQK>O:SE].,4C+Z>"LE)M=NMT<?<
M[':C:6Y.:8!IU`8JDY^JUJ#*DQ!^RNQ##<AA*'.Q.2(R^)_Z^B-)(KASW"TK
M+-/W:%;Q`&Z!!.TRT1(RKW-&3P^7-E\<RFL@,]K#E-_',W5JSWM98S'5*XUU
M#C:.2%.2V.-"\4U_(O:Y^P.MI]><`U$.$S:L679R=.[9!A&S'3`BKU>\4FRV
MN.FK6%NO"W#%N'L182&52H#$)Z3\B?M^SJ%=$PLX*6R+WBULQ9<@QRPX_#L]
M_GCJ%)T>PUFUDR0UJL6JKX66_EHUY5'%P>E@<?:FB!R/,Z.B-L#'4PW7W9D5
MI(KBO+]CIZ\7*Y+]GLZSK/M)?<4_3K+8M3SV6&II&K4^EJ`6D?2[K,E)'0;\
MFZ6?3>#V1L#A=,&<&$&5\CI7'5(0(O3+./5>Z.ZU+'\I:E1<^L5\M>5TH\/T
MS0?VM=KNEW1W68E*T(7&`4$%*$U.16*7]##K;\J/^1^>CL%J2U`G=0+Q6?T/
MKBCJNH3U?V_?U*>J^SO>H^[Z<^[[>]YSO4_7_P`?7G_CP8'Z\`>`/`'@#P!X
M`\`>`?Q2DH2I2E<2E/.J4I7><2E/.?7JE=[].<YSG/\`/?`/YU:$IXM2T)1W
MJ><5U7.)[U?>)1SBN]^G>K4KG.?_`&][X!KA1H,>@QB8,L,,C9G)"HA`5/BD
M8,KD20J)*[&EPW7F'^1I2%-.?:KOV.<ZGOT[SZ>`1*V9KG]\*UBP6L%#-%*=
M+C2ZS/=F36>BY;=HIETBN,IAS([#ROY/1`TM/'4N<4N&A/TZA;B5BIM>A')F
M$Y5+@9R':"31#>3OJ?SUVMVVW5<Q7F%,,QB`MLS7CXPT1`%HGQMSQ\M^1!FH
M2W\[3G4-]2&2+M^JV`PI"Y`VE=`+_/T\N5;KMMN-<8-\V<[)M&DP;5&"V*!'
MLE=LMA<5,_7$$R!T1U"?Q664HXG@<F1,-CF<4?2=7$LFX`V[^R&="ZY7Q@ZO
M36>A\PPVI0J0-BR)4@@58.$:_-TAQY<J0["7*9F,QT,JY$6ZH7+_`,B",>G_
M`*H9%4LS@W,27GS!L_-:!'M16[:G((WBRQYM#&4>!;_@ML]P^%@V"A!7A8\J
MN6)!J@M?CI80E75!RDSH^%@N1#A]X"QZG'X#T.E`*%=@$@N;E@C52K=:D4P/
M"D!YA1\?%?;JJ_U[LQEMJ7*C,,I>=<^!K[!,L]*!A65YM(E$*C77D%2`XB(,
M'3=CLUP/GXQ(W*.E.V,[;31PK8)THM)7UR1,>?D<;2ACB^,M-MH!ME8L^DWK
M1%BBX35#)-LBR,.7#[_L33/R7H@K^*+#52;,[<?S"M!`?P$+V!7)#CH*%^JC
M]9B(^S_(O)F5HF=^N1$;EGKW;AA2+%#,.G,PK=7,:6%)AH@(>UE\N9&M-$)0
M38V`V'U'HJ3V7.0R]$)N<=^YOBU)!-^J(V,]7_5*X3-&0%K)%2&"#V>WT2*O
MNI`:U'C):$7,S0V*[$M(ZLQ:6>Z=CS2PR!'0)+.R%=EMO+XOB1,LF=@];O6Q
M@$R)/U$&'$*/PY`YYVT'0,B%;;!%KE-!S`9AH_"("[/(4!%QA3T1YJ6S.CL+
MB=1*^B^AE@_ZDX?;)<J?:@USL\N>$!U@B]8-<ULQTE5@+S,IJJDDD+N^B?6#
M!",W++CWN+B&YC:'Y[<EU*5<#+)7>O7K%M-M*;C>J$)LEJ:&4D4DK,DE&Y*!
M>>Z./UFEQ?BB$(['&0^AAF2*?^'U?4VIEWKD=;C2@3:]#.KN-Y[4*I9ZA5_Y
M.`J]JEE9LF",T>_Q4`'";C\F>S0YB+1^7F\!N4ZZ\U&`.#8T5U2E-(1_Z!EL
M@XCU']=J]`G!A>>LQ!)>K.TJ4(79K?('/`I%>`5DBTS"EV%YEHH8KU0&,3Y[
M?$D)R1[*WWG'$??X&6:N1AGK*`MD7\4`@3;BMVN-K(0:M9+PU/-&=N+*+75=
M\%5HRI).BWP[1>*E0S;2ZXY*&);XVE3?$>"YD>TW#_73(<BOE0(AR(C-+P0`
MHN7"%QT:Q%ID^3&IV;53L6Q3;"7N0CH:"&"#AJH,IA(QJ&PIGK7Q_?P3+;_4
MF=7]<\:I_P#/TA::WUG3ALT)<H9@U8K)`GU\G.LA4E6QX^Q%RD*NUD@8N):8
M^.'-Q(3LLC(>4WU;G>^!ED1#>H'K_7W7W!E7L3,PI!L0RP2Y.I:J1(W0/90T
M(`7$7J<2NTN;>PR!D%A$6*67,8'+1]\5+"U+4H.3(CW%_46R3SGXU-;D&!!P
MMA9(D%7HD8R".G;Z*]@9HN$9#RFIX*5%T4C$L#!N.ZS^LG]1\,MC[?LX+F1>
MK.,YDFGW6AO@/VU:TQI]N^Q3QP]89]P6[4@=#E3#1LT5GG)A)VL5N#&<E?D\
MD=7'2]U?S]4YT3+*O?\`5[UKM[L[L\([<+$*_%JA*V$M.OMBT89)#H'FQ@>5
M?95QEW<<2`2FH9B$UV<V]`(MQR3'&Y2&I'!<LR1_KGZ_S%7"O?QZPDHJ3ZY=
MD$6*Y:I.!=M9VD%()FQB8UAL3@5P_::M>IBC)49SKQ*;*>=FO.3T.+0)EF^C
M^L>'QH!@/_$I$@,61=&W`<^W7,@%##]%6P[<Q56$3K$^/IH(_)A\><A"FX<1
MM[[EM-H[WO@<F;0GZ_Y69S\WE4H4<30#]BLEA/5H??+V+BDI-R+$S]K"SGQ=
MEB3G*?89YZ6J4!Z[^F<9DJ:_%XS]J.!EYS[FK%>L6'"X!`7#I[KP6>+T"O("
M3[7<2X$+7=/:A1;]5JJ&)V&8+I]9._K&OO'"VHD.,M/>L-M=[WP,LU$CU&]=
M%Q1D-.?L0(@:M*I_(PVS6X4R0HSE)JN=R*5940+!&3:*1-J%#$19`HG^4/D+
M&LON-*D)Z[T.3)Y(Q;/IU'!YR5C6,[7*Z;"68,JQ7V]6&RQC-;/,6,+.7<S5
MDG7&9R`380GC;\YQE<7ZQ5I5&4IGH9><E=9[B'K:]GERSJE`$3:A;?U'+@$(
MV*ZRK-#;'B1<"G0'Y-E,JO=*CU<$%@IKT9EV`D3'C,.0$,_1"^AE^IC/^E?K
M9+?AR)N?S)SD6(0COIFWS1I3!R868NL8G8[5&>MJXUNND^/HYU#IPFB676DH
M_P`[)_RG[0Y,ZG\$*_TNY9M1*TBP:J9K0.LL&P"8TJT=BJB.65LM%F5AL=&D
M-O.2S[)J(T_"3';7)0^REUOG%-_<D59?H4"2UOT;9?C3BMK]=^2ZJ?.9R.E2
MVZ4Y*!F+`DM.L]?$O.15/1(9=$$B^15'[R(\F),6^OO(\GK88E^I,A>L^K0V
MS320BW9$+MFDVR?1R1F$JOC2]\M5*;C#IH@@:;98?LSM=638@\<=>>99DR6X
MJ5\>=0TH,,@S6S>D51R\U=PYS$X.9TP&8GRUU8$`<'QPKXK0"\](4&%%J?)Q
MSX@-97V$0F'4DV$S5M<=0MWJA<2SCSDPA-I]/"=HN.W%I.5#CZ1L.DD3EJE4
M9UZ(`6QI=ECRXC:G)4VON:`)*V"1-8D=CSR$>(XW+8XJ.M'`^[T)8`O7K-CN
M?LV>9JM1:IVX7.T6]%QMUD#.1[W8;:\]++=<E?#"@N0@XR,T-^-3+;8^%"9C
MO]XM'>J#$F_U,F25]0:?$I,]V/A0&#6%PX5`EQP5/BQJDW>#%@CQU5M^(/XW
M5AUB-U8G\K[/8\=Q^"^IU?U;7W@GW/ZE70-D_KT$$KC5AD[U\%<J,2L6BVK@
MT^LPJU'<&6&R9U6WEFHP)L`2/5DX#)#6V&GG9@SC;J?M:1Q?T%Q+]3H?,X^`
M&A983D0S+)@*F6!RLEH5##5K@0!90CCDYT.IL+#0-CDQ$@JXXIM'_..[(7WO
MVK4KZB//N2P%EN95>)&@5G.J)78$+C_(<(%4:^(B1.2F)<65R-&'CX[+'),:
M>^VY]J>?>V\XGOUXM7.AEE3B?5#'QVME-KFB'C]YED!1`-()L`84&IJ"1"4$
M:P&BUH'7W":(40FIMATTX6E1FVF$,NMH8:2@,O&"XY6>4"=957.;1J?,N"XD
M.`JURJR%D654$=*1/'PE'782RG8D"<TEYEOY?L:=3Q:><5SG?!,LRNTJFJ6Z
MZJI5E3KS$6,\YT"*ZMV-!+2ST*.ZOL7[G&(9R>_-:1WZI;EO./)YQQ:E=`JW
M0O7/.-*L.>GST-R*WG%G%W$4#$#JK#&$;$`D5J77B!.:]6Y5FBK"O5`:E'!I
M`>F3&B-Q97)$5/&."IM%G62BTBY0B`RWTVJVH:7X-26'V2O"#D(GP-)<F!^$
M(A.'*8F\%2WENQOD2KX'%=4C[5=[WP0U$G),JF%7CLS,L^E&Y%A$VZ09DTRN
M/E7[6`BJ@@K.\0=&JENV$+"7UF)-4OLF,UWJ&UI3WZ>"Y9L?]>T#]X%L_P#!
MZ?\`R6MP'15=L/\`&0O[P`+?4^MX:%+?A?GBX#RI3O5,L.-MJZXKZ\_Y=^H9
M8.YY0+0_%DV:C4^Q2()MBRPI!VLA2[\.QQ8,<7&/Q72$*0Y'-QQD1J.W*1WC
MZ&&D-\5Q"><X)EF.6S'-3T<?$.9[1S443*'3A48M4P)&.-FAV)<83,'LS![S
M<.4+C3WVXSC?$K80\XE'4\6KG0RS('9[00]>+5$11Z>*JAYPLZ=K`ZM!8->-
M.G^+X==+!8T)H:1<-<<5^6IYI?9/W=^3[OKWP,L\(69YP,%(`CL_I`\&W'7$
M;#0JH!B"D1'(188Y%0.8@-PTQW!QZ='4CB/MZQ-?;[S[7G.*#+-?$QW(H'0W
M8.69Q"[7!D\)7NQ*/68_0(8K)7,*"`W61:/U8PE+<4[(CL?8T\XKJEIZKOU\
M%RR:S0P<D\Q((BAI"1&;4S&?FP8LIZ.TN:.)K:8=?:<6TVHB'B2.I3WG.OQ6
M7/\`ZFD=2(1=G+\TCG.69C.Z*Q9.1H4/E@9J0!LYR&-G(*#HG"R!Z9_(T`FV
MF0RW\GVM/IXXGG%\YWP7+(Q<<(S*W"['$35:Y6C%GKW:J0N->IU%7:N5]4KD
MMT/^58JM8!L\1(<ZOCL.;$E0W$NKXIKOW=[X";1YYSZ_8_EH.I!JK0ZVE^EU
M@940]D(A1,^W?I!)5)^+%DV-R"D@MKEC3^QXRA3<9J;WY6FV^I3Q(-MDPG9K
MG)-0E9*@4H@L`1&F`2IU5!2U!2P>)^`(*"5/P'.CB(J!_P!$9]G['6&?^"%)
M3_CP3+,YNDTQF<*)LU&L-$@3O7PA!L`*;G!GNA$5KKPJ6F)Q\>[VN-I'_<RI
M'?PD\8__``7.)\`QR&?4(L2%F2M(J!,P$*S#P8J0K0:82$'",5B"0,BYTF$Y
M*@%9\*,VR](:4AYUIM*%*ZE/.<`S251J9D-$KABL5TM7H#@IV`!)!1LX-"=!
M/1Y(1R(+E1G8,9P/(BM.1>H;3V.MM"F_MZGG>`8$K.\^G3@I.=1:=,)5LDV9
MKI"56`DB<`,,C((5HL%EO05OBB3089&B)?84VZF-'::XK[&TIX+EGH[0*(];
MF-`>I52=OD6'P?&NSM;#.6Z/`2S*CI@L614+IEJ'R/.?1QI+W$<0\M/T^BU<
MZ)E^GL:Z;E.7$GGY!'-J"0D2JR_2I+\VG5V4](ILJ6J?)J3[KXYQ;M9D3E]>
M<@*[V*MWO5]1U7?KX+ED\2E*$I0A*4(0GB4(3SB4I2GGT2E*>?3B4IYSZ<YS
M_P`>"'Z\`>`/`'@#P!X`\`>`4#[*Y>=US,NU2OQZR8D1KC0[00IEXE385'T8
M)4[:)/F<^N$P>*/R(P*SP(*V5KZ/(,?+QODB+)C]=96*GAG#EA].M^+DHSL*
M)C(X?3[<5L^8Q7;G82X01/L^SWS55N6R@F,BG5.Q5FA@KS^A@AT?"_*7#;(P
MB`.4U#5%&640"=_7!I+E?D4P`SBU4&+!6H"-M`8G9H!D%7YD'=`TBCBPPJEC
MH\:IZRO48!FQ<1-2J,0C24*;)K;@RVH.2-]>OZVCTY?XM)E4JOT^9>K6?LE%
MJA5%":L8@UH'LH3ISW[B=EVD"`Y[+*9L(%H*Z@*\]`?"?"/D0>1A\IH.7U]2
MT*#ZOZI@VI9K?Z-6*+;NONVJM;"4?L;2CAD/HVV6^W+M(9D_1>$PEAJ`2X)(
M&2,4\A5F:'MBGAKWXPN=!HSE8,6_>EFDZ?['F]&NC^4$\R*6JM2R@%;"&7[Q
M2JU:\GL@&MW2K0<ZA_OR%>:I)5GL@U83T>9P@VAB..C]?86"EA8/UZZ>D][S
M'1PQ_1_]9VR%!R:YY_8;_`+6>9I-RBW6JX+7XU+),$ZY"99I5&_U00:@.K)R
M'78\R,M$:*]V9\H.2:\%<53^NC3'RH;FO7:@:55H]LSF]GJX7[92XTW:Z?>*
MF`)S9`LR-='/PIOKICU-%(BNI4RX<23<=YQE_CCD')>Q^:#_`%S:`(MPPK>K
M8!ML8<:Q\B\0DV21+@$J[0@><QGJ61J#V9Q3!M%-L.?)F5R44LT^"TW)<X@=
M"=E3%N4<E[%AY]Z3Z?1?56P94(MHH;M2[M4[L%NY*VR3]5DVNM!*A4S5R7$K
MV9YW+K[V@@`Q%PC"5&+S'9Y!V3+)SY#SK_@.2<L^Q%LZ_KYO])U''[69NL2T
MUC+SSXT'!AV^6&*U:B9Z8K@G$),62<S:Y$CQR5DU,'!;=&A$:THDXJ0A<^9#
MD.M>`Y>,&9?_`$6UBX:3H5I"F\VILNRNZSV+KXTO;E:U88>DW*GVBKBK-$C@
M(46%`R$77%B126B\SY(S;"FOPN?(WP%)8+!JOID2D9JBA6VD8E5JT0]H!.VE
M\HIT@U8<T9I@RF!0+E60T4J%88+SIQT1^P=8=&,#U+7_`,ON5SO5"<O.?/H4
M@*_KZU1C^,.6YG&K_.II+.+04.'"MA(F-D(5'0_7FXPJW=DG*.19%P<M#Y&8
M&U>:IPHIQLLUWX!O'9_'A>2.A/8/U^V[V(#8_>*Y.KN-Z"+J;YFYU4Q8#!6.
M/O=?6`U?$A3QJL0EQ#,'/=\J(ITNXAOC<L2J<VS\OR(0L1-+^!H_7STTT'$+
MKKEL_EHTR=M.>3*Y2;41-\*CVR9>O4="A]SHO^O@YPV+JEOJ3\@;(E6T@AH>
M2DLQH4%<R6I0KEDH>#_71JC]'LL8S.S.-993X!X`%%%A\D,P';T3-[QHE(1+
M=P<90Z]7=.339:);4>D28/.RD-28DU"I2WPY>2^-=]1=:N`/UDIM&M=?KX#%
MJW3!3MF/'6R^G5(Y7#E#7-L(&[N9;)-7!R33Z[-@?#$D4GDR8XT],4]%4N&V
M"DO+96\7^OX^59K<&91<)S#Y,\H=$O%AR\J;58)[]`1L<66?&SG,\KA4A(OD
M[381QY,^:IZ&1#I2^]/<4B4B#E_$U0O^OG6)EK<N>DW2LVRQ6>KU@I=R@T_,
M'@XUZG61%DV2HC*T_F$^U',OM!.?-FAV?Y(,CQ9B(SCXIQ^.U(Y1R7L3*E>J
M^DW_`-21U4(V<B`T(_K$^P?M;?#LE=)IQC[9OKW#$%13K?\`(@EN,>F[:&^,
MR&VEL6F1QU_C7>+6@.23_3_'_>0-S^OG:7QCL$I:LWL%D+AH05.ESSESCV?-
M1M(EWBM`!M$C<KLIZ4SK.-2*Q7K<O\X;UM0N2[]I-*HS;8<D;@Q_7KH\9_8(
M%+M=`%U?1R(F74QBI%G#]RH2!RD7GBJA4XP<2N"U6+H6969*(;2Q*01BM.J?
MF(<99'!R7CZFBLOJ]9LUW+)Q=1H%=M-?GZ]EEEJ"`==T.&/]>:;3=!BW#1B5
M5-CJ6_G`/NC1OG0;@RC(=^7V-'ZALDN3\+0)Y7DL6_\`I!>CFK7.VU,5CXD9
M;]2+WF)9%32XFV5(O89'K^5>UT8.$TIQB?K%=_U*7$QN.$6_RH9A"^SX[2Y\
M*0"DOU]"7:UZ0DM;W*P:1:':#8ZG-ME./`Z_9V2Q.0*@B[)ZA2K9&1"=&OBX
M[UBJF#V4:YQM74R(YQ$=WOX\J<G@*6%C_'N<\9WZ'Z(2MY@3<*WG<2K4G2LV
MBE[80FVJ28VO.ZO1O5ER7FSP>;66X,O)PZ\_(IA?)/?C.EXB8ZH+'.S)+D#D
MB8B?0?8(Q.(^U:Z!4VE$*Q3+[/K1BUOD-?S>18M`-Z[H5H:571:!NQZ5",UV
M(I"W2+,?@-7%$7&.QFF*.2P6AC7J1IV0>ODZD1"88YJ#>N9)ITN07OK_`"H7
MPEEQK-)ADJY+KN0U>30B&FPJ,^[/0L98Y7[*5V1-($G'7G>@Y)O]#F"A>C&[
M299F+8*[E;)"B7&CO'SY&PW/D?V/!"<R];91_%3+I"B2E]P.>>J95K\Y[A'B
MR3/VNAN_6=\XO)>W^/4ZC]>?2ZVY%?JGHIDG1E'1]DL#QEZOOV"3,AYN5R0-
M4P&0A"A0;$E3*30K@.0H=&>Y'CKA0H\GK+4KO66QBY9\$_\`6#UTN^`6*U29
MHC+RB+ZS1EW"]B2)6)<R#U4J1D'R+*B/4U*[`F(18@JC/2RC?TC39/T;0N.A
M,H'+*P=O^#$>`5#K^8D=(B4F97;>[1;EF]YC7ZG6+H*%:!K)7^,VBDE8)RN3
MI,!!<46J-U)QNI:E1)##[K;[3R5M<XH5/!RG!_K_``2&"<8OJ=C*--YC:L5I
MZF*Z!&/UC,3]:U$`.&RW6>O_`,ALH1S6)[W[-:8_)*8\="HZ5?D.R!>1HI_]
M<-4/6<B<L]\Z9!FB5SC3\];JD@900U,N16J666*H->B7#X:7:N7.J).NDT*E
M#G#,M^6V*8?ZTML7F;@UZ)G;9P:S;]]+DXK-&BT8Y^KSJM`YIZ-6\^VO-**3
M[)00FQA,X/7]OG/D4QF$,$I\*.MM$*/UZ,Z)R_0_5P_KWJM^7-(6K2;*^<+`
M+PT:D"A`P4')7JR6.%9JG?5">/RI34O.)<RP1AT7\Q27(-EF-.N]6EEU(<F;
M+8O42S%\0%U7*;<"K&@U/-MDI#'(=/B,4Z[Q-G[!,W@;)$GC9^95YUEM0.'*
M_;+G$I,9:Y*W$R5/J[P%+SY(C:?Z])]J@&0DSV!M#5<(Q&JO"KS5.#MC(E`B
M$-1*"Q95B(6AMVFW`IVI2G()8@EZ(PXPASHY;O?O2+R^B))=/0D3:(U?CP])
MG0VJV*K\>%"+5E!49-,5NSZX6A3R\<38:O.EBIM?W*Q#)D)J4PI_Y(CZ7V^Q
MW&Y(G(Z>Q;'VL5!SJD%/_FTY10^8`UU(,>*8K4RT7BY7(O''OPW%+<$H19XT
M&)&7SZ18XU/>*4IY?T$;R7/X(/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`UI$R'$+&MEBHT6X9)-!
M@[9&=%A+*F'X\F4P*&IDNM*G$GHL)YQ##7WNJ;:6KB?HE7>#RLNII<5=.,'.
M7&.6ERDTVHQSZR:3>%YPF_8T5LT&@T)(M5ZN]0I:3DSH\*JV64+7$EYZ>)4J
M"+Z8FP^$)G$K3WK37WK^G>?X_P`^1M+U:1X;?8:&@HO>OII4WB/R3C#D_I'D
MUE_HB7^4W#0KM-:;=.,KL`9#U9[Q-B:62AI<!*Z);/<261U[BH'>@WDS/H[Q
M/_ME<<_^COU\91KO;U4[(NR'*K^O[E]OV\_N^GV_=Y_T^?0VD&=")PH9(;+C
MSQY"+'G0)T-YN1$F0I;*)$67%D-*4T_'D,.)6A:>]2I/>=YWZ=\'K79"VN-M
M34JY)-->4T_*:?NFO0CEQOU%SL:R9T"ZU*C"),M$".5N-C#UD:_/<:>?;A,S
MC4R%%=EK8CN+XVE75]0A7?I].=^D;2]?!K[G8:'75*[L+Z:*6\*5DXPBWY>$
MY-+.$WCU\,W08T&L8J`=KQ88="%8K4T69#3XI042AOI^YF7`(077XDR*\G_*
M7&UJ0KG_`([Y4T_*]#VINIV*HWZ\XV4368RBU*+7U364U^J`PT(-<G]$%(!/
M@LG+"D^P);$O]>7'J2F<+F?`M?XT^&I:>.M+^BT=[SZ\Y]?`JOIOY?#*,N$G
M&6&GB2]8O'HU[KU1L%.-H4VE;B$*>7UMI*E)2IUSB%N]0WSO>=6OC;:E?3GU
M[]J>]_\`'.^#T;2PF_+/WX*/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`0.X:EFF>D*R*ON@4NED[H1Z(J(^TV8,!FV8GQV*QV"#C%
M)D5XG(Y)GQVOM9XOOS266_\`ZW6TJ##)YX!1T[V7P$>T7><URC2FZ_9B5-L'
M1!R,>4!LX4/9;`;#'$!.D%AY0,)32TJ=^3QI$-@=(6]U'&E_07BR>B]$I)BK
M0KI!L@[M8GS(8U@K+6X.;05GF6*[%$2V"+<26/,*L$E$%420VU);F*^%:$N<
MZG@F":>`/`'@%96C9\EI$.S$+GH]-J0^FG`U:M$^RV`<#A!+#8A@TT""SI9-
M^-'03+BB\9^.SQ75NH>3U/._7P7#/,/M.86"Y+SX);896W-N&6EB8,0I(YSM
M>&UHJ<<X1;@]%*CBXEQ&<>=X_P!;0_,;8ZKY_JWP,/U+`+&!0$=-+FB,,4+'
M1)D^=/GR&HL6+"'PY!"=*?>=4E"&8D&*Z\XKO?HAIM2N_P".=[X(9K+S4AEJ
M0PXAUA]M#S+K?>*0XTZGBVW$*Y_A2%H5SO._^O.^`>G@'Y6M#2%N.+2VVVE2
MW'%JXA"$(YU2EK4KO$I2E//KWO?\<YX!"Z#I6=ZJ"[9\RO51T*N)F.CEG:78
MA-F$HGL-,/O0G)X>7,C-RVX\IISK:E<7\3J%_3[5I[T&FO4FW@#P"(6^_P!*
MH$6--NEG#UF)+;-O1GR\QN(V\Q6JV8N%@?3USO\`^`#5BOS9TA??^#3$=2E=
MY_CZAC)"`OL3@]AE!8`;7\[FD+%5)E["#DVL.R1(TF`Z:9F6Z./D2F9G:TPY
M7"'.SNHY&^D)_O%]XTOO!<,RXF^8>0;S]Z!KN;SF]7?G1<R7#N=?E<O\D7,C
M#BD>H_!/<_?O#",QF/)3&^3L=]U+;GVK5Q/0PSPI?L%BNBQI$RCZ55;/%BQ;
M1.>DBB''V/PZ4L$BVRFG?L2B0Q75V<=R6IOJN,]FL_=]/D3]0PT6>%,B[$'$
MV`'.CDPIT9`,AR41?R12`LG%:FCYT9SZ<^^/+B/H<1W_`-4JYWP0V?@&KE&Q
M$$F)#3"4**6.\G]##GY#;<PIP6PB41[!84KCDG\&.XE;OV\[]B>\[WP"/HT6
MCNO,L-V<2MZ3=)>=,-ID<ZMV\0(,PE,K".?;_DM&@#GW5M_^B&E=^O\`CP,&
MX79@#=EC4Y96&FT2P<VS1@?7/_R@\`'3X`N<5;9^G^8<4B4CLK5]?\+>3S_U
M\`WG@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`?.+W%#ZYHMY'"<LS5FZO
MX10U;("(E+,JJ11^V3;"V]F$D!^16C<>SE1`.A'8DZ*TY'ZW$L3:%N)_)3WG
ME/DWX7HL_P`S\V_,Z>X[+>C3U6LKY:&O^Y@Y3^-+9<\T.&824Y1C5;&45C$;
MDFUR1N?8*I'/8:T>MJ*<["KH+0LIW))@Q>,QEW5D)6+_`$JA([!G5N:7KL(-
M:Y$6;]&.$EO,MO,N-NQ'^<4CB2<FL>Z?L>_Y#J7_`)%M]8M/%=&SI[7*5M+L
M486UU>'!R@HS:?CFVDTTXR\HYA=G7ZOPC-+$[/I]--U$=JX#7W+N:T.-1Z33
MZ)KM'!^O4..6$P4JH*M.S2"D>W8*RGA.9!+SS#GSRH:5,8O*\9?C.?T^G_`^
M7Y]CKPEH4;NU3?2MB&Q\LK55775L51U%RBO]KYZ4H*VE<Y1LLN?*</MR2EEM
M5UFYMII:-LU(:&6&2C-@9BP7Z3-`D[/Z-Q9@0(7F_:P_<992^LO);EEFUNS9
MC[B'DH?D.Q_(\MJ7GQZ?Y%MVMO=GK=I:MVA1L?PQE.UN$I]8G",GZV.5J>)6
M+,I-J6')Q/>S7?V7C`[&$:+:8R'SL/E-WM%D(.V\`DQ0?8&R8\\?B-6>L`"U
MEBO9*'`Z$Q,?%QWR0`<[%DI0RXEAQ-;ECW\?]_\`AF6SO?D\*+*%/:5.M"BV
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M)*;DY5UR7QV<;'-R48Q6[OEZVLEKH<3`TJ92:\G2[U%JYPH?O(NOOWH3J.><
M12B8VF5DZ.N?'*.X_%@@3+T2$_'GS9#?5O1?GAI.7)>??_O_`/#V9[[V_P!W
M;V\::]J5&M^YM4)2E8H?+&^G_;DJX25G^WF,:K'&+C.R2RXYA_4DWSP_#;>2
MM^L$-YJ^Z6->CU@];M)&`*=KQ[(=Z$4:FNU2/-A5()12EV_`#CDQVD"RHV0Q
MUUV0F<IZ0]</+Y9_XX8^6=]6AN6W;<N_JWI_-"5ET8U[$Z-N-5?QIJN-4K>-
M4,+A96XYE)69E_,RE7O13.8U</J/L;.SXT<QIS5[!,/7@#91^NJQKV/-ZY2/
MY`0'Q"]6`QSX"H/E0\!R,,%$W&XD9,?K[L?RK+PDWQ]_X^<DZR?8=E=JZM.U
MV4NOG/6^>;E;":V/VVY+8JYM*4(J4-=V5Q<80FU"/'DXG6/IE9=*NU0N=CTT
ME8)!<%;>XUR$9_ZXSY?"X#&=:#<1['&VT=3>=1&&YG'D\^U^(F-WG^.<\RK<
MFLO^'^1];^%;/:;VG?L]I*QW5W?ML2]'+52INL2__:WQMEGWCQ.R?/0^T'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`X)]G\4U"[V^\2Z/
M2JM>!6T>N)'UT($+#88816339]E,D^7QZ'-A3'S]>?B6?LF5&&_0BJ>`@(2A
M27?R(8R37O\`4K[-L#]E'-KH!+2YAA69Y?89"OR7-?,SNZ`\,,^SAJOVV761
M<IE+T%'-'J2/P"BUJ^<9]'&>MP(JW(5N./'J5/:/233M%H!NCVRN%Y[X?3?;
M.R5I=HU$?VKI$;51O8@74DT.-2TBS(0.^=O@+I&(9X](94IU3:E-MK2Y0I)/
M_(F\CUM]EX5ILR8,HC*3-L,%S&[NWKYY,##ZB,]E3]V.`"52G$$JL/\`,<ME
M#&VGFVB#W6H?1<GK,=AA;P917U`].?:R``K\HIH=WAWVN1`+XHG8=5GD`U>T
M1S0\:1H=V#!09HA!L]?ME+K-CG\;.<<F2'RTQE46%R>XRD5RB3_#,ZVVJ;)3
MJBW",U2-5\&GWW1JW8=0N.B@R_L"/[8LSIUF)6YV80[,JFQ0;8=,R8O5,$FW
MZS#E2(+,A2.\$;6/YD*H7J=[8R8DHQ8CI*E6025@%\UAL:V?EAJ,;,67!I=[
M*<KXDR5#DQ+\>N7%<.*0?*ON022VW5I>(RDI!M>A[U[U5WD1DYF.S3[/6;8[
M['8OJ+@^M[D+L&A%(5&QBF9_>;6(O]]8,A!Q.R6\1.EM0Y:E<?'NJ<7R-*DK
M9:@;6?Y'CHOH[JSIZYW[.1GZ2P6LY>BEDX.T,KRS6NIW79<=O)ZFI[.L0RMP
MR5CKM3)ID]3)@PW7T<C=?:8D]<11R7O_`(]3]E_4C=I8AELG7[1?-1J=K)EZ
MAN%EW&0V:GACGKMJ&8T=<D'#+PQE;M.4VJTC5%OPXGXI/C<@C&=DR9+S/@O)
M?R-B:]4O;.;:ZRY-TJXJHM2TYP0`B5+2''K0UGS,N%>Z3HY==LGC1,RP4VT6
M^QU^;&>5/?D!80]U#,OO_0T)F./U,%ST^]F1Q?,(L&[7V'2("J`:NT.JZ\1*
MVMG5D`JHBV:5&*:&:<8?'1Y]?G1)#'WR4N,%.NQQSJNN<2+RB6%@^%^R-0O-
M7D6<)*74X%!TVB3)5WT1%F(M5Z46/EJ78)48/9R4=S=+D<*H_ETYMF0"*"6(
MC["ATZ.N$X(VL?J1$5Z,Z;1JA1'`9BTVVSQ<<IT35H,K6)E35<KA72'K=63E
M#$*IT*I5F.+G81F5BJ8DF]%;?BH)J6])2Y*?E<!R3?\`C]2DIN0[E/TNO8M.
MFW61>#3I$VZ1`;WI/491ZZRZ\ZT+P^UO0)<-B=+KDJ1UN-:/D<<(3Y"$LRUO
MH7\0N5ZEF$O4KVGN1O3$FI$VIUT@]<2E6$U/;KG70_+TQ5MC`42W`>@K$Y8X
ML./TS4Y'%$Y7'N$('7E0V40XJ/!,Q.J*ABUJJ5TQ8=:ZXY<J*)D^Y.??C3R,
MJZQ*Q2]2O\"Z9&X>=/N39<D+&S&E.5QSDA3_`"*LDS#[U3:^]Z(W]/T(%M'K
MSK\[3MRDY37NQ:5I/JK6L?K(F)9*2#R]LP`3MJ"86X4@@#FEN.RAE\BQ0LR&
MV^.BOR5KF1G&6E)6*FO?ZE6^NOKE[.9U?LA+7$5=&*?13>S`1;0C6**7M7:!
MH=@PZT!R^[EB\&1+TBXV`Y5+"3N4@7*4[--O(>AK_'>XRS`W%^GJ=>:IDTLE
MHV3B<WIH^N!*Q2-_)%BPD7%!UQMZWU`33`]/<_!C-1%3+.=+LE5IXA7VMU_J
MU_Y^/BJ1/QY.*AWJ9[24B'E-&IR9$:ATPYF!F,4![$<1<*HL;2O7L)K0Z&6M
M!26TV!M*ZU<^Q&VHD]YXG.2IS\2'*?ZN%RF9.G9+['5?U@SE!2JV4U)RROZ[
M#6!J&N6"O7P44G6ZKS<DV:V3:T>GQKW>@50#F$G!HZ9,B229]?8<?X%*;C4)
MK)OCN%>YEE6AF4B=$!5,0`JY((G=2L%_:`5;L-A(V]J&5#(:ETE6I5>>@3%F
M2'$D(77>./J8XUQ20S%?Q(J9]8-HKXG4['89KU(S^1;BVP4IR)H!:8=P&N@<
MKN`E-2:&`%D&+(=<N4Z&<49@NRR4WGSC7G'(L2!QX,HW]@]>?9V^B_6B_,Q)
M@_7GLE)3K=>5Z27K[F(:SJ&NYKL=NX[55K97?:;71D0T!B#74.I1&:8@_C-Q
M93[D<,KS]"'5;U/]N`U/9'E"5YLEEF42ZAP\PON+H>+E>P3JZ!&F-*#.@S<R
M38*QJB1\U+,R3U\Z`)3GYK0^/R?(1'%Y1S^A)8GIEN5D<*D[`[9Z^(^A!G-J
M!_\`(30E.9Q49@KV@?ATHF1KMD1`-2X=OME&G*?X]-;:3"9C-/N1Q+/%AR7^
M/Y$]HV`^TE7J?LT]93AJ_7[0E#80N(=N41VBV@%(OIXM,(55F/81AH#=PF6G
M$`FFYRPPE^6,A,N==A(7)["97@T)WUW]SV\HPF+3[B_%O]%IE@G7$<9U8OR*
M5MV66M_1_72IDB@Z'^(:!64HANO6Q_X_C<#.J;6B2TVE':,QSY*DM^$^VE$,
M2W&+6<$RK$8S3&:P9%Z):"\>_N6XVYF5CODL2V0,&HUGJF'6LY:9,^?R#%B6
M`*A,1IN*RQ)5"Y1]NX[#<5AB,SQ7&8[+;#7%N..KXVRA+:.+==4MUU7$IY]5
M*5U2N_Y[WO?*>9[>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`A]+HM=
MH`\F-KC,Y#1JR6&W%I!(J2-$"!^SDGBI:;)GE94N4I*GWOC9:XKC,:.VVRTE
M#;:$\B27H:>CH:W7URJUE+$[9V2<I2DW.<G*3;DV_5X2](I**222)AY3</PX
MCCC;C?5+1QQ"D=4VM3;B>+3U/5-N)[Q2%\^OUYWG^>=\$:RL$6HU)K^=5<93
MZNQ,8#B^SWFU$BA(V4FSBQ*8:,EBQDQ*FE2Q@T:(R)DN3(=<>?DOK6I7>J\B
M22PC5T-'7ZW5CIZJ:IAGUE*4FY2<I2E*3<I2E)N4I-MMMMDL\IMCP!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#GKV,UXUD5<I[]=318QB[W?M.B']
M/L,NKYY6.1:3=;[**6DO!BRI3+,^'1W!D-*?L^\D0C_574\ZA8J63Y\0O8O6
MI^+WW<RE@,A^V#V#*30=8&FY;$NM9O#]69%[$9\K]X-GB`Y.&2;2]*?CP%-/
MST]DN-.?7K?D,FEG!/L']FMI5N/,8/U:->6[)I6LV2T7)NSSFVJU2Y&K[G0*
M1"J0RR2XC?ZVB1<1C12<."TYQY9=$A"$/(DJDT-+&2L!ONYK^0"+M%M`VAZ&
M='VG7C$F.1OEI@'34HO=?8]-!C4@,0%D_P!9FF?BL/9@&%,H6EAAV3(;1QV$
MZF:+Q39=_L)LOLK7MASK,:F:R0/*(#O7@R_"D/6J,Z6N-OTFY5:\0'9;?S2B
M.9H%A6OHRB*U/^=3/''FTN]^T1*.,LP<S]Y=5UVM[R?K&+18;&=8?8[O3^?N
M.FIY#20>?5.VC:G/"1W(1HT+N<NW_<*>AQ6.]A#_`+W5?)/C(0#BEC^)YD?:
MJ;C0/,T5[5!'LU!NE>1IEEO]NLU.%2[%#DV7):6]1<6$9O5!05VR3I.D-EH(
MN7\SC#7&XO7%\EH?C"8S^A$QOOMMR15=)66B80$:O*LZ'UJ<YHEN9"@2&E"/
M7VW02=R*SZK%9:K]=K.Y=9D*C\^67-&I6GX&9/T9%XH_K']B]Q,':U5:U4,U
M+'['^!2EK79CK%?$Z:K2,[ICY1HG^`LI:,X,5O0HI\=('CU_6'(B-N2OG?<;
M8#B6YF?NX6LTV^#+U4:[4%Y5CMKVF_'H!2PF@$*FB$1`U;.P&F`'3$F!:+E5
M;TQQE#+LMB/5N\2AUY[[4B../0IB'_8UI#02PVF?EM)*`\V^\;?(06U$N66P
M'REGV&LUQFF0HL6PAAD5EW-([I!$V?)D-]ENM(Y\C'T5,F7`D\;V\U:B99H]
M\(1,YV6QR_9`_C51A4&ZD)5"<NA_)*P]C-0KM@<$2Y3(:XZY+@@YJWD.NP9A
MI:T<=XWQOM)Q6<?H2G#_`'LM&[[55:;4LKB*S&QA$V--W58V$DNU@JQIL8+:
MHH^:J!^5`CVC*I0J3%CMRGUN$6GTJ;;B/\=!QPOU*0K/OKIN9X]3>:)&H]LN
MCP.F7>%,>-FT3+=F1V18XIEXN3GPA`<)>@;@5A;JTKD1I/[!IJ)%D.-.>!QR
M_!:-=]^M!M^J9]G-=Q>!,;+6J73KT0[:6V/U=CHEFSS/]S"@'"21465*RNYW
MM_J^JZZY.8"N,(92_+94T''QDC&U>]=J"Z/=ZS38P">.R8U9K'!<B%I@3^8<
MSRJ;($MV?7-J=&GEH8_^?U%GB2<>`W'[V(Y^/R8AOCRP43^VS^PK3*@QL2#6
M:TH;(SD\=I0`C+.S&Q-FO><PK*5O0)]J5,@30L"QUNGD380C-_$AQA3//G7(
ME.QH\@."(M+_`+!-!B7^1>/T50GT&;5B]7!Y<+N$Z5=@-V*ZI9\DRR5H0Q(=
M;8V=I&KA!`6(XSQ+;$6PI[U+JXWWO/<O%8Q[G9/LCO=FQRYY4#"M5_\`8Z$)
M-AFYUQL"PF;5XJ]><E!-6&VKCB7RZXD-BR2&(:FI<9*Y<IJ,M*NR4O1QBEE'
M&.#>^&\WZL46K@,^I]C)S(..4+FFW*Y24B)]ZLU.S@^:M)1D+"6:/5^TP[I*
MF!%0H4=#S(Q*WWV^$&?@%<4>1;VKW?6VQP866IE*[>;?F*`<:L6.RCI];SZV
MFO0HJ;"V<B.B_OI-RG1/8(E#@EASPMEJ"X_WC"W5L.L3(PE_C^)M\^_L+U"S
MQPPD;F]<&B):,PIC&F:C>(\,2"N-HIF=7&0=T&0,@B9,RNV8==)#`E^".B-N
MSX3''5H2290Q2N)+PON1J-9R3UN;'B:3HUQMGKAZ[WHTJS766.LNJW+;R,+/
MPT3,_P`$*Y&/?I+3WA8[*<;3S@N6SU#;2G/O2)Q67_$BQ#^S2Z&5F3N98N'L
ME!CYW.T(!83-QX%X8`$4:6)JMD?7V,N0R"8NV62AY%J'$(R^L$6I#7$\BNH>
M#A_F6;[D;CL.+63,2--MK;9TCGVIMVNGP9U*.U&79J[A^IWVO]B9S-#*UZ0^
M1M54;D,F&"+8V'`%+8EL*_)<5T(I/U*I#>Q&F1=.=J,#V#F7>M4'3LFK>:EG
MF<ODO>SPC2];S^F:5&*D`=5@P+"O'P=HFL-/5=(O\*2EJ01Z]QE:5AA?3_\`
M`M0S[P:)$U&5G@:G98<Z3UN[YR";'74Z0LE8'YA<AU?L9#1`4($XY!.W422[
M)K4!A24/O15MNO?8Y\K0<?&2J)']B]][!#F(U+J)@P6%UMH,BFW-X_F\5>N2
ML#(5E-Q??##B;UHSV%HSL0@W'G0F777HW>(1^Q;3"#B3WGN?O5C9KI^MU+#J
MVONC6#/SV-7#0E)TSA^MX'I.C]KY6TMR(5'J';?<*I$:"$7?RH3PAYF8I:D2
MOM8#BOU+LE^V3\[!<IT6H$<SG6C2+H/S@H9MA$Y3<VSVUMC+23L7\U3+1,L(
M9N#)J+PN/'<7SLDE,B?&^MAY#K@G'S@Y_P`_]N]*$9)L/LK:0+!T/8]JH0.L
M4M^RG66<_K=^]?\`,YV9U9*)4%8]J<9V.]"!DV5&BL\D_N7)?>*ZVTSX*XK.
M%]"$L^\NO6$W9]&A@@0C,6,QI%5,U;^5D&[&%TB9:M(SJYF*?)<K,L,F=3]E
MKY,%,=GMN(?B5Q"VV>.N*;2+Q7\S:S?<G:"4JA:%65YQRI5H7O\`-M6;%+@8
M=NT^O8R.#0S;U_\`UE?1%$7RP2X+D^OMIC,P&8))#S_7N=3SHG%>A]A/!@/`
M'@#P!X`\`>`/`'@#P!X`\`X9]U/::3ZWMY4D21@0Y1>R$+K=VIM7L-I7(Q+-
M4C).GQQC5=BRW0M@GIL0^/`G2T\A,NN*ZYWOTYSP916211_;%AVCZ_8IE8#@
MK9FVGMYJ(SXU8K:L[8GSU@@@\T)3&:]F%A+-_P"UXL]HB!17X%ICSH4AGXY*
MGOR6HH8\_H0*V^]:`.?XYH(C*"!J!K6.0-5[`>L<R,2KLRPW?&\TJU5_6`Z;
M:3=@=G77:(*)<B)#^>(/AR'FXLF1\,)T%'S@\`/O7.>+10=ZQ"QY>=("VRXR
MJW0P5"V\@'A8SH&J6.VQQ!JCAX"J4*,T)VNI?_-_;-37DN$AHQ*HZ)(<378]
M[>7HU%V2VW:M")N99[DUTW&(4&F.=OB8,31M?@P:'RO-`A]>D11-0SU#+)!9
M#C\B4CJG4=X[U30KBOYF90?9;2[O['.5>X":_F%(R[(-%L6FB!^@CK4%D6R.
MUC%IKQ7MCDYT(E$*X'SW26W77&Y`G\4@Y)0\Q+99C/K$:27ZD(J?N5>M2UC.
MA`>#RC`95Q'5:R`.QIY.)8H9.%5[8&L88G=:'0[@P,/5"YPEH^47"_Y<4ME3
M["FI#HO'"-];O;'1[??L[SVC5:+31=FWE(%%N_FXV4;/9KF>MVK+=01-`3,\
M.QZJ7)6ZK,MPHGRR%SPTIY7)PZ:TMMD3CX_D62CW)2C5!=`G9NN,"MFD7C-:
M1:F;E#E3R)/++R!SS1"%EK'Z-C^+08=AL3"A/VSYZR<1*W'>0E]::=#CX,:@
M^YCM\Q*X;6WGXJNBQQZB52A""]V+E)M[LUY!T2?"$]8I><VHT.D/F[['&#V8
M`\U,(O-]6EAI*T?4''#P5:-]Z]#TBHTR\9AD5:@TX_H]%S6Q$+GHTV'<`Y>Q
MY2SJ-L0%J8^@$X+O\8'DXS4"20FL=)NH6I<*/'6T\L.*3PR%V[^PBVL4-B;0
MZ1^POU-J)TI:Q]NL(F!7)MF;RC4M%I8.V3`E8FD(#5RH]$9M:%"66%--3X3'
M?^EYQ7!>/U)LU[Y75BT7ZB5OUYTC7#V>D-!C6B756C4Z*(,B[WK8@"(9E5O,
MYHF94(H[-5L]F==_DTA;\9J*%)REO_9!Q7KDO_8O:\#E^#5/;@L*O:$W<0D>
MQ5\#7['97V;2(8HI?13K]+)!<[L94QP?504J6V[.%BH?(S77ISX]M*^II%'+
MP<VV[^P.VOB;6%J&008-N+AM7)900+Z>.BC)P',7?8`<<M-LD.T<A!JI=IW"
M)$H>*2DLQ,3/93(E14-2ULB\?J26_P#LI[`";;E%0I%5I-@8.4CUPMTXJ7M[
ME7*6<WJ!J_!['72K7*-:!==K:H%1Y-3.A)?FH>0IIMA27.=0"2PVS>Y;[YHU
M0%K-S%8I=X%$S3*CNB1;5-63:&'355J=>LQVAR2TNJ0JC`,O]L/QC5P"QA4B
M/"DORF8/$LMOB../&?)'$^_5K@BK(JSX>$!V:$FP1*?78&JG;?V[V*G2:TY:
MJY`_BF-%;&Q,8!6AJ="6R)F(>;A3EROP8T;DIT7C^IXO_P!C,46&_F]AQZ8+
MS8G%L$VL62/?1Q(S.CA%BP,'AZMHKT=BOR;5HMM``!C;1`A\LDK\CO6N-H1(
M#A[>Y_-R]H]4Q;:;`1,@W2%#!9AGLH)G(2VUIG]Y>+)2?96YG8MDG%<]<(#&
M_P`G)(<*+/B%ULM<8XXJ'U,A[[!$LK]2P<K]T3.E[8WBJ<1L42:!GV.N:A;0
MA&P6>I4*T@S&LB(WVGV\^%`"-0+2,G=9:G3IH<EV86A,-C'><E.Q@<<+)REI
MWN[[`Z;58]APVAD<O!L"-H.B+);R\D`U>AM=I!ANI3QSMOPRQCYSX$PAR>4A
MC?RH#4E`]M)66VY+CHADHI/R72[[UW*/^/4J[C\`U92(FW$J27L^K18T(M5\
M^'[A$.6F_P#0V??E5VPR#V&R$MB(<22F2T3;7^1%<CS(\:DXHL&L^YQ5.>:Q
M9='S:%5[=E6:9_H#=.&6LE+>OT"\UF).BV:M$#E-`!XV:RK<\\(CETS)[C#L
M*7TA'@N,<:=$QY\$.K7MI?I5]]B;A=*TR"SWUQP$L7/T*LV\=9.$M.JVD;`%
MN$D>5G9]6YI05+#YA%;%S7IT!F+Q^0F6/2\I:HHO%87ZLW\WWL<KK&HCK?E*
M1UQR&970]J#`]!A'0<PW92%J;@PZW99M:K[Y.,D0`8D*<?'Q'4OR78ZF4]C*
M<<$X_P"1(-/]PS>2PL_(VG)8SL0QF(O5-+X'T2/.G48*2O6?4%0VI0%U*,_I
MAJ*4T%EWJ$_J&7&8KB4.=?=C,O`HY]"I`7]CA,G78]K*>O-EK82(#IUUL+QV
MR%0<QW/M,L%,JV>V//1EHSRN$-`DRCUO[&+-<;'083@Z1^#.*<<A]DB\?U(K
M/_L0NL(Y6GY.1R?VY:L0!\/**W8YM[@GK7HHC#="STJF[T_-35H;_54:\DHT
M^+!`SD<(\1QO\B.ZQ,X'%8+LU+W`L^?V>J0A&7&C!6X9#6M!50;C8A>?]J7)
M5+W+2;$R?GHJ]I-LVD2%QQ\:Y"XVY&5.>:Y]64I?>X(D=QUD]$M-;K]G@-O-
M0;&$$GH;4GB$R&HA>!'(1VY"6UN-I>0S(YQ?$J5SBN=^G>\_SX,2$[#<,GI=
M+D$=HEUQBE3"$`<[%LPOAZ$4)J=[/@0XX%,$G(+S(_Z]<OB&H[JF&HKDA7VM
MLK<0*LOT(&8]C/6(>,&SBNE9RX*LTN?*'/-O1"D4NY&)F:J8,I3"CR^/#X$H
M"0:FD%<_&C184AYYU$9EQQ(89I+UO?K]6,Q(>PT=NLW(/0+20HX(^+CUH?(:
MO-AND//BH$%;K<_7P(-!&Z$4PRA%PA&&L]0^Y*?XAEWJ1</."-TW?,VOVDTZ
MNNY%\,DX.55AVD-_ZWM55@7BW9@QN9C+1ECKQLI/*M&,RD\,/$X#3H`A]?B_
M)6_W[/`PTB8GO9+U:AV.T]/7ZC.6S*9#P0XX^->(GP$UPN+@D@@5UH5)GE)\
M,R[!3/B"^R'8CKD=4E#?W-=Z)ADEKNF^O#HW0]0K%BSML10&%5[1="%QQT0>
M*A548P3_`%)&ULQ68Y`>`&RVU(::??9C\7Q"><5W[?`P_0K'N^>EH)''UG,T
M"R!1$3?V83E)>%FHUJNKP4/`*0`KE:8,JT8NY9Q;#T9ACIU"2L+C[24S(_RB
MXD;\7;O6KV2KV@UT3P3;*GE]@H$BV/-UN=#KCKD&O9_L]1>%$GQ3(RV5F56U
M!UN\AJDQ'XJ.Q7>=;_X=#$E_,U*/8CTX&J9/-6?.X1"%51ZTJ9J4EBSBZP"M
MDVH!P\@4W74V,3^LMPB5%ABG66I#;T-]3+'VL.J0&)&TL5UPG&K._I!X\)BC
M-JJ8?KEGEGX1`(Y5ZE.#"*77:;6HGY$LL+L=EU]QYEL7&D]DE#:NKZI4IA/@
MF&R42-)]<,\S*K:'^WSVKY;86PJZB9&"H<0).9DQ9QP8X+A"QWR-M#AK<R>^
MKC*4C8K$J2_\+3+[B`P\X]S1#]W]4`$835@MVRT;`7:X((>"`QQ[8T;;4FG!
MT9J7`%0>PJ_-''X#;3K\E,=,*2Y%XZMM4F+\H8D>$7>O55T=*T$98:/*:SP7
M)Y!.#ZVXLK`"FYY,>G^%K0%03*!;:2"R68CHGYHA9UGOP*>_QWP,/T(V']D?
M5*[1ZKTR0H4*,;*"I.>1K0(@\EOL_P`5JYX*=EBIHS\O/)/&M'8@1&RZ!TE4
MJ:EEGBERVD."\6BX,YMV&;L"'W?.GZ7?0H.R/DA1R*$CN]$6B>/B&E&QW[(<
MQ,@$C(8_'G,SFDH[.A3FI#;CC+Z%K$>5X95VG;3C^2Z]`I5EI56'R+E2CFF7
MO1"L_.*T/'5JLI_1O3R[1XI`MEX(MQ_JSUD=$GNQXOTXO[4K0E0J3:)=4KQZ
MS;2?+#:LO.[W9C-<!7.SQ%5>+,,+"AK"6K%<EW)!,.B7`(!;/7Y\.+#)_%.B
M2H$E"&D*CO?8)Y17D[1?3C1RH?D:_49!7FD5FP<C@9#8`A?K=GA&L.U%@G^/
M!B$;X'"F#0`K!XVJ1$>2U`F-K<B-\7T7$C8VWVT]/9`^)$N^B4B;&L$$E'0#
ML=<*SYS\6&8D0IHHI6I]??)P9$DW7%I9@S(S3\Q^*GK+;G4H[X'&1B3/9+U:
M%69G^)D,ZL%DC&ZK2[(7",A!ZJS6V$O.L&)5EDPXT(C5J*VII<E$22ZV+3,8
MZOX>/M?>&&732K/BMPJTK4J<_2WZREJ3PK:_U4,)^`W2EHC26K`X4@CB`=56
M_2(YUN:EE4-N,A7T2A".\$\KP5R.U;U&NH4E98YC*"HJ:)!U\Y**`1L>0L&W
M918*L`ST$R)CDFA7+&5@\'QI;26>]E1WV4_&ZTXH7$B.:1[,X/2*72M88JS^
MA5U.3:CJ61FZA61$R82AT<17$\J.>=-."),6RZ2,.H8"-L]8B$&8Z^+>0U\:
ME@D_0QA7LMZFFC49@T_2JY/!1.0:F1LX4(VA0"P9U5-()OAB4=F<S7@<P?9D
MP%IDN0DD2H^7%83(7'[X&)'Y%^V/JJ1)6'0RYFG!BH*6*J0"WRQ/)]NM-3LX
MNGFJU*!MP@[]O;!6TM<TQ1D)3?%DI,9Y<9MU*5=2&)&XJ&[>M,A\-'0U0ZD,
MKMM/U[*#_P"M$-U.3%D4BO70A8ZE9QP[E<J(^R`K;]$?)*B+(<0YQ'R_7J?`
MPS)QZ^^J4RRN"LN-U67<=5)'=35\PF?%L5FES2]@+.$G)IL3#G+4E2B,H3%=
M<X[T4AZ3";5"2IW@/E[E/`]+P6;JU_':5E\G+B=,B:;F8^F%E5.W5?2!LSF8
MZCK5I#YMFZ[2LHZ]'+TY9"<4B(E.2)T>&A'9"W$K@:>/!94O>?2(B^31+LF0
M%97\8J1B>GM8B%)!`+V#7ET@4RE`&2X:--P+\-X-"L_,4;05:2S&Y\WT[1B1
M"<\WCU,D3M2SN8"SZ@@2VP$Z?ROGQ4IJ%H1NEUG/*]*L9FKEZK!"5D1%E,B0
M0GKSKL24[#BLL+1*6B*D&I%DP?</U`-3A=>A:Q0YLJUR*V0'0OP9WXQ5\TBK
MRJT3=>>$)@\^6$="2VI+RTI8A3H$I2D,/QG%AQD8-F]JO6D"59JD>8*+68K-
MN,%H)_%YHB&DG2GPAX^Q8#1H+""5Q#ZKTS/@R2#K$4HJ6IV*Z\I?5=#BS,<]
MD?38<1($UWK+8I8V>72"A%`EE!`S+$#T1N]FS&Q'Y!.IP`S?>)+K4X%1"9<4
MF3\++G4!B1UOX,1X`\`>`/`'@#P!X`\`T-EM-8I8699+C8P-3KH[X/V!^REQ
MX(+!_)D-1(WYA0I(BP8WY$M]#2/O<3][BTIY]>]YSP#1HU',W.7/K>BT5?,X
MY]=#ZBW5]7*'SX'I7UN?VD._Q?GXT=QS_P!]\'_6VI7_`(3WO!<,CL7V`P:<
M->,PMMR.8'CDPP606BZ339`U@S8FWGJ^)>G-&5Q6B9UF,XN&PI?'926U=;2K
MB>_0,,_/+Q@MC,65WEPR(\>`"CM2N"^6&FE"P0)"ZY/L]9LG?S'Y8T7%[%4]
M/AROL:1\75/(Y]OUX&&04K6/4"ATNP5,X*]>J=0+58'?Y*",)S\!5SEH!3P\
M%:2L.<J*.F'0!3]>RE*^=?A/_CH3Q"_CYX'W?KD\2Y_U/9@%:,=;P^+1Z54U
MYR7_`&;V:1:!4PDXX+"/9+-:?G-Q*\I942/XH*Y'88^1F-SB?E0VE(OW>ODA
M?\?](3MQT?*5Y[A!F53Z-6K'JOS@,Z*5^M@*G)(A*\'O3SJY"PDFM1!;ZT1B
M#3+3,+[E?7[>KYX'W>IM,MU3U1NQ)\U3H.:`U?L3^/5JT/)SL9!OR2-]N0LK
M4J+/&EI+EI%6&S4&;/;BMH^R;Q7'D(6YU_C8-21L:7;_`$ZHT+D&D$/7^F5"
M,PJNBSX$OEP:F$YER-FD&Z0&)#RC;,LN^7IZED1_V)^]Q#/^'%MJ2T'W/ZFE
MS.P>H5=;AQJ[3LFQM$2ZD*]6&#8?-Z"\9NL"SEJ6^Q5(S<UN;.-N$ZHEMKB$
M)DN,=B\1SO\`A"`:?\2PP?\`\5H]R*%:X_@K=_M^@NB2\T/+H/\`++%J=.AR
MY<D3+=B.]*D;Y6(1)]]V-W[I\1,EUU:4_*M2A/N]\X(]9Q/I<1FZ7/N$?UKE
M$#-@J]3UV987<V7+FVMB:U(IU<OS\]SYOY'^P&-K'Q)W>2EO1D];3U3?/M#[
MOU,Y1;T^GT^?G/[CUR?HA`'-M9"DLELV_C$BN4J0R,GV=\`S)X-Z'I\NL-L.
M3OBXR.=')1UQM4?G$!]WKY(P:@>BU=KULOI,?ZU0:WG%2SZ5<3\*%G[D&G4L
M,B&:RMXOT2T[^H"PV&([X#[DH;^%#?XGU;XGG@OW?J?T'=/3"Y5>[$GNX#`!
M0K63H-_C6-S,(*&S0]JPX&)BVEOLQZ.ENUTZOR!`3DM?')]=6B.TCX%=92'W
M)^YC683ZO+T]C*7<(!6VR0*:J'<#(;,`$VM9M1;N0L!J-%T"URFX,49`M9B"
M2F)AM+ERN...S'F6FY/SNA]V,Y,-;?H'!SD14S%@]8"&6G+%;=#K0BV6[-3=
M.FEG2YARREJPR>*2Q'1P1^;+'];A<_%'0D]@I2W'1\7`^[.?.266MOTJ."K2
M!NJ_60F&I[(R==A%DD9?)'U>,5.$"PJ3:89%U3`2(7L-JEO-*EI:;E22;W>?
M>J2Y]X?=^I,$$?6D[=X/QE,2+Z-0A<4-`;:)T>=<*B'=CN'QXUEAN0Z7"P/Q
M!3DV.U]K:$M,N.M\XGBU>">3V@5#UQJ\DC.&U_&Z_(T"L5.L$WH<&G"_YE4"
MJH-(I`26EI#+9X$65(BAQK*N.LROJQ$9XOZ--\#R:4J$]3M`C6BN&8&`7&+7
MA_+;=`LUO/CC8(1/5%*=LEG@N?D?JA<_^/-/JERDMLO)A\5U2DM_X#[E]2O+
M4OTRT&F1F(^F8,+HE*M%"L1R34K3D3(-MF#>@UTK%9.DE)G1`E>M5\H(]];;
M"X;Y!X2EMMWZH5S@OE$CN6M^J4S2;%0[Z4R*;8:U5!]CNANUS<_?$52/PI(I
MM>`6\J7(JD`3Q#M^F-C8DQMOYXQ"5QKO?F<2L3#QDEQ)7K#3]&9,%Y.'575P
MM;L]B:G$)M&`WL?42TLQ9K<?4N0]$.-5Z9-E$9\Z6K_V_7'I3SB_JX\I0?=C
MWP1N+-],P42]$(A/UK%#VYS)[2)C93-(L"*0T^(RS'*V][\E$:"_H4-U'V.R
M^H_;)<^O.N_?WO1?N_4V`=_U'%V8C,`S/7B#;[S;W5DGQ<W.6+#:[T0J\^4^
MB0J,\D@8L\ZGVN7(6COR278!1][O.MRG5N">?U/SF]=]1N,F*YDXWU^E,7NC
MQWSP.D)H!!NW9J*5*J,9PD-#JD)-T2`[U\<GY$.#FW%.L?X4I:>@^7OD]*8<
M]210JN5>@'O7J('O0Z=0ZH"JQG.N0KL,%$B[Q2HA(`V5UNTQH1FQSURH3*9'
M$RY\A3J/D?<ZH'R]\F@;HWI+"+U2IIK?K*P>IYH]2J96EPLSX8K]D)1U6"R5
M<$'<3V=!L,J(05-EQ&F^2NMR%/+3]KJE*#,OU(3K-M],ALBJ^SMSL^67=S-Z
M7=8&8H@G\XLK:V:L0#V2VRLUB3)J42K557*_'4^N#+1^`VUQ3O$*0A:!5R]$
M9T@-Z.?K0T9L;Z^UBO-\<(YK>X3N5B`7[[37K`&G.9784RE,HL[LNHKZYR&A
M//FCL=;^1;'4LA]WZFWIN6^E=>S4YD843@!6E9"%0%T,3(3F\Y-6;%_JUSI^
MDMQ6FHX$HY-H<63*?FMQ>IDBFU_1'8J/C#,O7SY+/F$_7`F)A7>>3Q0@#AUN
M/''V^7/H\H3&J+M<M7XC,0^\\N&U77:E/-];XAWD90YZ;WG_`$J?^HGGT+="
MK#N!Q+E>6-<`.#8*P;@=<9P0X'5%:4,6*7"[V&L:J%U'6.M=ZUUK[?M_X_3P
M0JK:<X3HHZFI@W^=F=PJ=S_DE"M@^%7BS\6PSJ=<*22A=!6B)-$G.$J5<"S*
M65(^1IQ29">_5GZ=%3P<>S_ZY,(AN+3%M<Q*:X0I=A'A+Q"J%TKE=I==S`KE
MIFO3:\9&QF'ZY>6IIDW/DR%<5VP2Y#Z%?CI7%Z+R9T49];ZA)P(;C[%K(#1-
M4L@31ZK=9<<`2?`6:GZ9'V&JFY,$A"[728H+9(#'R,/-);>@M]3]Z%]XZD3/
MG)#,<]-ZMDUAII\!HUL.5FMS9=]9JDN'4V@IG7CU'G9V9U+LX.%AS(;1.CEI
M$5D)#6T%B*<XXPTC[$)X*Y-E1G?0)[3BER.:IH3[KL+8]+T3%PD:OU<U6Z+"
MOMO%'S"S\(@(C/77^3P`3#,B'.=ZD?QY_P#'>^_K3C0JE@O8?A^/_P"C+YA8
MF_QHM8,R+';W"=>*5.#+H72QYJZC28&#%C.@!`2H%%17X#,B*[!3'::;=2XR
MKJ5#'+SDAH+T:J\72W]:L%T>LMT)W"DZ08/_`,)IXDS+O%631XY*0/-1(;Q`
M14;;!SL7R6':7UM+[:G4O?3XFV1>7C!8&>^K(W.,RTS)P>CWEJNZ)4P%<CE8
M;@L3;Z;.#X]6,9D66M6(9"CN,EIH6FCIS7R-*3#(-K6U_P!:^-H!RR\E'1_Z
MX<_9IARMO7<I-*F+34[LT0D4^E(K(ZR5.T:E8V$M4**+C!)5>GL:X4@O0GEK
M7^.EEWC_`.4E4A0<O)=EWQ?([;;L-J4F\#:U:<4&UTI3\^K\RIB)DX"!NN;6
M\8ZFG\95,AUWDW$FHC7X3+4=N-^2AOO.M)ZV(F\&@U#U+S.T8[F6<V>S,1`^
M16=^R`C5R%U@^&(NE@=PJAL7;`!Z.R`,#2]9O1&/Q'?A6V]UIWBE?8IMP52>
M<E/DO0K`XEJAVTSH<2>X<NEETNQ`K[!H)ZK6^9?^U=_0)D`-/A0FPK9L-EU8
MCP'H"TLB&*\E;".J>DK6+R9.X?H_]%4F--W6^DZ]3@M*IZ!RZ]06IQ[/<M*D
MRV5UHH=:K_9*)E;6=F)FDHJ(\DNE;77>(ZUWK@G+]#5=_K]`2F7F"NNWB<S9
MH5(&:@TT%I\)&@#LSBT-=#CIZV(<<JJQ!N@,2Y"X*D]FHFRF5_:GK"HX<CH[
M(\C$Y03)BJ[>R16*H15_W]6(-UYZ1V6'SS-LPJUAE/1(+!>!U0+)GNH;XI,:
M3(G2E?;WX6>-"-Y-+L?J_1-K-E;'99<^*;E9NK/@9.'"!R9E1?;M<*YCK;7G
MRHN>N,=@&QL=74*^Z))::XV\TM/>\\!/!J<0QN@XD[=+FK3NVXMLST,G;+*:
MFUD6*L-C1:+R?(%@$8.B)!@L3B6AN14167'D,,1HZ.*4[UQQT&\E`U?^N/+Q
M=>HL:K:7:0K.>].2LOMN?0*=5["-CV:D1<M4<*V,,)<_FMK8QU<VO13$CG%,
M1R+LIEMN4AAYH7DR3Y+Z;YC5EV$2(UB;9["$N((I<8P%FD"&P-C@M6*P0!4^
MN5V#WE><F#KYR3\4GO9;S2FI"EKZZIQP')D)KG]=(HO7"=0UC0K*<J(F7H==
MSJNAVJY`4`H5Z=$1#RIQMFOLSRAVU0*N-?<X]Q;0V0EY#/R-N<^T7G[KU.A,
MS]9GJAF^H8O9K#7S&8WZLS:XW%I]'"9X;4];!=@':)933P-M8^78[*T7CH2\
MEKO&OP4N=YU3JDI$<O.?<JMWT@&V0H3*$]]N)VQ%C]:7L<V(!SIARXR*+(S,
M[0`DB##`K9HRP8V@!_R>0N-R"+$AQQ?4?,WU`<OT+\NGK94[Q6L"K),Y88T7
MU^NN?70#)A*&IDV9S/@DH+$`V?\`(@/M/@37'FWYK+"6%..QV_M4E/.\Z)GU
M_4YSA_UXT"M4QVEPM8OT"BSX+B-$BD6J=(D6Z)6=%OFJ9H[-/2`+4FOLYD9O
M3L9OL;J$SA`^)&D][QI;C@O)YR>MX]*"/;2K1,.T\G4;/>M4R'0-!*SHE=L`
MJ>QEM.`TFLV06,GB)<>4<'5(%T?]B7&69\,@KCJN.183C(JEXP_3!K"/]9V6
MD(M<KZ]"T%=(#1XD>;5IG*W/Y-_#`":ZJ<)*/!4R*F:-0AOT*38"&Y,UOC+/
M%-,,<;6'-EP9SZBPJ7L<3<K)?'-'ORJ["#&3EEH=)B%)A$('+5,%8@A(..AO
M5(ARE%E#B+<'B(Y#[>N)0QQU]IT3/C`TGU5J1QS3KA)TFQTMZVO6&QFBZG`:
M`06+.7Z_$3,<LU.C1V)]-D0O7*#'*PY;Z6)HLF18>7QMQM34P.16@?T,SB7D
M-;I];TF<=#-PI!4%9)P&C68`68L69T.@1S$8,/&0*\[&2$I44@,>@=C_`(DQ
MU+\9:>-L\11R><^YMW?2&E6:)&5!V2_F:\:X-AWY^3,J]FGZ3#J%M#W&O-E+
M4\*=F0BPN]U]<B=,B=0]/Y*E,O?176G&0Y$QE>EU(E#2(Q=PN2&B8YH;(=:6
M%0]QIJ@8'GOR([^KZGCRQOKZ-?[WO.\_(G2?\?9\*6PY,K0-_7C6A+!5MW7+
MR2?L!,@Y8Y\P/4?V%A"3J[6@"XQF<T)1+)6B8[31TZ<=?6[.G3.2.JXEI]+3
M(O(V:?1BBQ^NCK%K=P(R2F3V3UWHS,ING"987(WJP9'`:>.:B!V%V4S3Q9,C
M)Z0D)=DS$]^Z0GJ&?!.3_P"\^@'@Q'@#P!X`\`>`/`'@#P"CO8K*)>SY68I(
MPP&K)M9$">KUO+P3TY=+L%:+Q#0:XA/XU:Z86B66M3X:)<![D]#')#24R&WH
MZG6EBIX>3F:O^B\R$#U.N673X%E@7>@6O.`L[N?0QY=8B]Z;8]:M9G2%-GGA
M=Z/R;-9WV(_X\83$9B?+WK*G)3O>"\B/:9_7^7MXNX"JAL35(A7U>@QK6.CT
MTFT,,BK_`*-[':%QHGRI7REER#U6F^P/51F')G!T]\3]9T9]F4IED52-)??1
M&3^[S+M=(NE^/Z15/YJ0@@@(0=`S>-J._P"M:I!L/9)S\TE`TX/KZZTXS#CR
M)"I:6I;GT;4ZI@%(EVW^AYK4+/K]CK&RNTN)J[<6(NK.U8M("!8)JC%J?IK:
MIM4OE(L9%-Y+,UP^\PB;$C.D:RTS,1,B2Y#?!%+!HKI_71"LD*K?B:#"3+JL
MFZR5#YU?LXBOVGF@736S]EBV=6>Z)1[6Y'D@==EPO_:E(ZG)$5MY[Y&7'8W1
M>9(`?H8\&`:S3T:,%15[=GQ3/:`Q%SYU)BLCIVKW'8XC]\+S[D1<TAF#8;@J
M`N/U`WDH;'5UQS\B6^[P3D1+O]>EEE3B)^5L($5<+5=)]FL5LI>>F*H3K0NR
MWS7KA>ZYF[3&C3!\6+=`FLO@9O[YD['6PQPAV/V>EAQ@7E_D:R\>CVLG7\O%
M-73,9K8^@RL5L]BCY$F"$!9H*R[:L_%FA].DZ0M]-[,#M8XW\D23^OC/QN\[
M%[$?6V@.2+"Y_7^*0U8&>:%^3PI4K]51DDE4(T\@(3=3JBS93DYTUQU^>.C_
M`$8<6CX52>_5?5(^OV^"<C`R_P!"9^4V>@6.L:")'F*5=794Z\,#=+F:%;LJ
M:["4UF)N58=?.TQ(\\Q$3'+I9#-C%*98FP8,&<PR\V#EDR8/I+H@S;YF^\V\
M/9+G"MJ2=8AW:A6*P!4U:3.V5,T.>AKTYF-'+B:YL2AX>2`9!0X?ZE+ST22H
MA-3T7DL8]C0SOZ[D+!@*BU<:28IH6I4)B4#L>=&&91F\YOBMAQ$#.4?J.A5<
MP#I,T78E&'Q\%QDFP;9^>.10E]Y/8.7G/N3:K>FM[#4O=:B;VYFP\V7.*[6Y
M4MVFD4Q)VFBJWP(:VRY")]W*QR-NMO(L%@BP(6%CS(HYIR1UV<MR9Y2<E]"'
M:/\`UWQ]"FBCDN]!^%(I2]%3(+M>MX.GVC_9UUWFR7(89[0M*I=R6.4(WR?"
MC<;+(5U<1*Y'S-2'F/!5/!>%X]9S=A,:JQ3;^&KF=;WF#.8ZK6B%4FV`W$Z(
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M0++["57*Y%HM]=RB\T*MV^`J/0:V[8*U#,.IB&<8G#E%BHF:XK#M$K8&Q0_N
M^U$V<,6A*8R'OJV(I8_@:&E_U]5^DC-YK\&U0Y8O8,FN^9A2L\;;YARFM:73
MJI6;LG]3,T23GD\&0)TJ"22U%"#I[BDI8?F.H:XMP'(_6D^AY&T1+0S2-2@T
M55OEZ.@_"8I9*.*-!-)L=D/2Q!AVE7JBV20P"DGV9+*6",5J=)'--RTN0GI$
M5P527NBMS']:A,FT#A.:M7IHFC<L#--'2*/;@4P["O)Z[';Q!U*TT76*G:;)
M%E<T0E&'H&2@Z8K:&5/\E=5(2\',D^E^D%BUO3[]`FE*M3<<<HV2"JZXW4&;
M':C)^DYSLF>)@),3+=R7#I8D=I/.R8$Z+(>F_:IMN5Q$F5WP%+"_4U6P>G]_
M!DY6HT:;`OA^GV_6;#E%#%9E6Y:Y3OL!9K99;Y%UIRU:_0@UX&5^;;76`#\6
M2)<#,H;==9G=X[SH*2]#RJW]<4=H!CW+2;JA>551!=B^TLP%MW:::?L<G*;,
MIKD>C:)1&#TBL6K*H;;72[)`;-A=1Q<-M3#7U#D6#FWI#:JE^_'G=B3)K]OQ
M"YXU:1]7`V>!/+##T\JW0&))2WZ%>/RX&$5,L\'K,M]IVP/0WE((D933;+2!
M.7_:>E5]&)<&P2[K:K_69]P)%\FGRW*GFB:Q78,7(;Q@=C$PZ\)EVP].$=L`
M7`X<<AW\MQ/9DU3R$\:C,1_`Y>WL?N[>B$:S7P5>QM\9%3F+9JEFFM]#6.-^
M-/OVCU35JS:!;%<O==#E;GG5OI(UR,NPPS@F:F.SUZ#S\="5!R*^"_UYW(:+
MT*'-V6KF9>RU8]2M/E&LYM-C<_2D`]>B02%-)6[6['8AIZ05"/2#'2$TC!)M
MRFFFX\1$&/SHO(L*P>A0L\:T`NN]0VOYJ/V2'"BNTB');KS^MHWE"YD52C2/
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M.J3U7U9^;G1E'&?/H<;Z%B?LRX;5QE>OV<#3+988-((LW</*/V`*3I_MN#J?
M;]*=*P9E^J8JP7RJ_D1#?93#,)W[UL+^.1WD,LQ(Q8J-[AVZUVF:=JNT":U7
MK".DUNKU^[CU`GK*BF^PM"'S(:%W]R!9\^+,FJ:1,B_U8L%#3(ZUV',D1)TA
M09CCQZFS/4;^P/CU<#QK9?*S4JO<!M0C&ZY'K=I-E1LT$0O]:T.?6A-OI7)-
M<J=CNS%-)P'Y/8S_`"JI>?A2![ZGE4GVETZ]6_=9[V`GL9T7LZ,6('ZF+;G0
MS52:;@5S7(`,7H!R/').H+M2\!F9*[/@(XCJY/-`<2RF1^.KD<1<<>?4@.:X
MA[`@JOO!,C27!]UM_K.4KU=YURF.MD-)DYK3(#(M$!N2Z":^ME&/M<2\R@?_
M`-7T[_U=Y]16UG^96^JUKW)S//\`6M6<T#<V'154OAUR&B]U.<."QR3_`+>-
MRW*P"E\6)AS0M='9?T,EQ*V8,CK;O.?(Z74X*G%M+Q_C!.8U-]L>QRYXU-]H
M7<S9L=>'!Z8%O=78VGN0S+9N)"=WDKIYAR1I,0NBE=E2Y!3L]%2YV,AWLE4Y
M"Q'C],D0L51_LIG5X0(,VVZ@OT$ZICCUKI;=6LQ\])O6?V6Z&[2/KP*X4ETB
M/R'9YP:OJB?F1XLX7"=4N/*&+D)6+]A8OLEA/L.]KFD:SC46SS+5.`9?'`F6
M[##Z/C=KN8;]6+B]4*T0L0U@'8G(MR8CPU-O1.J(DD+3(;_[7VQ$UC#(!/SG
MW<L$`U72SVD7J@%<\K(JMM6Q-("D57A!<3(NQ"T5\V>LIN$#D9M*%B0RY):=
M/180]A(2OL64A+X+F/\`,C*L;]N3=88:@T_29(:LU0LSFD'6BV='=(#'XN0J
M!R(]B*K+%&2,&1J4TOT8P])?@<'2&OHVB+QA#<&8_H7=A8G<J/[(U[)IUGT+
M^'&+#[)[+=AEUN[-HFP!%;UN[P\\9KWY1(L3B9YK`K>`4J*TGL=EB70I<=+3
M2N/I52/&,D$K]8]\+.1N!@@G8Z-%&.VB[U"J*O`1R"C1><S)4&FR2T^W68G>
M,Z@$(QQ#"'/TX8@CY5M#HT=QA"Q?M_0GN9YC[&3!&Y2#G-RK=]O"?5RN'[B8
MN%1;*3RU<U"RO;W-QJ>/*%55C-8U6L,A8A"VHBFXTE7X;"'>?3@GC*],$&31
M/>*MC((MPU[`6)E^N+(@IL.]TLD<@;Y(;FCJ1(N\^>1@)=PH3$$M.6`<CC\5
MUZ2AY<:0MU_O`^W]")T_#_:50BMTU=.T9JA@"U>_>@M".48IV+<8%YL1JQ$<
MYD,FR$H5E#M=8KG1\1EV/SYH[B5,<?\`R^N"Y1MLWK7LSF6E935B9W0017;=
M'R\1>`ANZ!YM<@5"I>N6-WR\6;.*Y%(31X%`.T8;9*:8C"XL2*SVZ0WN)5Q<
M=W@GAILDYO)_:FC:%H<G,6M=:8O.V76_TQT==0,JCQ2IR^U!=K):9!-F?R.T
MPECXZ1&KL!MI]N(00_\`8RQ,7#>X+F+7G!.M`I/N+!$^IXBEW31XR`N9J<U`
MVO\`7W:QD-F^>@DG(ND.*N%4'2:Z9#IL@[DKX28D<_(2ZB(E]H<M$)]OG)2E
MGJWM9DP&HS;->?9JP5ZS6?*ZE=(X_1:X8N[J#,[U(_8#*=(Y)&*%ESEN-:7'
M>D1'&)/(7WQX[S33(A+5P%A_0]@^;^[8U4))B;J-8-7(A2B<NY5JS42*'#69
M=8P6KZ+==O0T2:B&FAF3ULK&C?CLRHW;!!F.QVTR'ATCL+F)#0TO^QG5JT-U
M"J7"TBUWC(C%EH(P+$`G*;(*\8TNM%`<PGR\UL,)EVD"-JECK)23`GH40E=;
MCRHC+I!7:/M7@Z4S"N>TL->A!;!,U701MB]:+DQ5BV@P(U0BTBY_L2'\#H[-
M=*:!>8U_L1T48^.<8,_<5A*#\Y-F26B+3483Q_Q/>M9+[/R\WVZO6@UICD_2
M,'W`$*&NWD/`8K-Z3:;2$R.#G;P*3!Y0%NT&9%[QV(XTW]R6W)#G'V_KQ[#*
M_P")7%,S_P!TB=L=9)6S<`5*19Z^J-7Y9"!`E=S<3GEF(9ZN1>9E[L$E5A8-
MQ!HRWP(H^%-($7W'I<N0A+;ZPS'^9KR67>ZM/IQB3"NOL7;"2@HQ7Z>3=0EB
MGV4H*J?J]9$5=,X:?J92CQ+II4K1ADX^+DHE"(3G>I;>'Q8$;P,Q_0FOMGGG
MM5JI31*C61NHQZY>L9(U^"+JUXKPW.(U>,XSJ(^^5([)Z2&%9.I$-5G5]H81
M0QQ/87&OB?9B<*-J"+BO4G?L-6O<P=I`IC`2-J(9Y%J]4G+[(L%7ZERR%^$<
M..@I;I^0V6>BU"N79C2E/=^OY1.J]9XIQQ_D9T%QQY]?\?\`D4`O$O<[.15+
MJ6>V_615)EV%)JVD4SA5Y.5JSE+AOJQ<P'7H]QIJU4B(V]4I9<6B6L<_Q;*I
M,:2A97O87,?<N?':5[@"]URR3HMSTGE!35"AJRQ2/Z^V@RUD+%]E7;:M92`^
MXBH-68A-SZ;(K[B`Y)3,4?R+&>9Z\4ZY2/CCP5KVJ_V%MDC,$\6T>;2(\Z.J
M?,JUDHK%R)TO'[:,R@M%ISOYL21&N/L9EEA(7N(XXMER"8$-,_+"DK:;Z'VF
M'-RGW.))I%Z??UDG*JNO0IC-=,W"G=O`_P!<6\NT<5-A5I[LQ=?&>P)Z%9(`
MXB5E.ON/SVWFD28JG>$F1<Q]#['H[]R$*^BD_<E/?M7SO%I^O.=^B^=[WO%<
M_P#7_P"[X/,_7@#P!X`\`>`/`'@#P#F[VMHY;1<C8J8E\NW^PU?`G3$8,"!6
M19"L0MSSN9:(A,/8P=A%2Z^D`Q(>(<=C*1R&RY\G?B^3G18O#/GQ6=6]R:C2
M1TXR"TN`#(5P948M9K.1CAJ,G7$IWJZ]&O+<E_-=(LS\.-8KU<4DD/BK#Q,0
M<MJ*.^:`\ZH9XBV>@;:?>]VK@+=:FM!"C[*Q5Q-WAB\%8DE,HK46J>KQ*Z:=
M6*X_3Y=IL-R;GW6[*X-FQ9\=/8*VV1"W1KL=\3$2,:5H_LT2'6+,*O2M7(5F
MX0_8J&4DO925'P=#JEI'[VY4[K%X,R],VOW%B=7Z^[*6^<KK+KYV,U'#2ORN
M+CPJQZ^Y>OMWNOLSFVN0P.7+LC3)F(*$9Q4863(N-5T:9+RK>[7<",JY]%]=
M@W:GG*6%6/"-%(:YS:$L]BROV"78U)%)KR4C?=C]KK@,GYP.";-<*?9*YMM=
M8LQG')E7E:QG)FD[+'J5JDB0^0#GJ5=0-@`"8:G)!2JLRVB(]U@-,_8?>P*D
MEY.__6#3;]:G=*J6H(MY.RUS1;H@%<96>':=GUCID:6)4)C4E16B4^9#;K;1
M=L=*BE'"4U\C%F/12!"$E+K0Q:]SB+4N;)6-+TBW9Y6-@F>R@'6-6LJ#:*[?
MSF>EO6&)B%C=H@`2KX',QL0Q5I0$9A@(O73:[@Q)?3'^[LIY<*L8\^AU;Z\Z
M3LFDW;9;1H7+N*Q\,,+HS6O$\J(TJ58A<G7-K'QK$A)2OP;]/)L9Q3Z_^'$;
MY'4Y'))E.,N.RF%-TC27IZG`M>"V\RU1;/1J;NM;#V2\E;'@F?JK6WBXV(7Z
M3J6(HX$O\:S0F'`W2..""1LR^6ZJMLR"EF'1GW^]7R3#+Q[EL['2;<'H-S"!
MQNHSKZOW6/V[*.OA]ON=QG5Z<6H9RP_Z\O88BX#S:1+[.F(#EK'V151D-N2Q
MV(J$V\EJA>OZ8+?]IK[[<5>XV7N1%2`JG=+9C6QTU[.Y)P%6D&:3KQTS;Y1(
M#EVKVP[%EZ&"J@.>S'%OLPH!![G%PWY#9"&(E''D@,#V*]J`QPL`.!KY9WE7
MZUU(?:J]AMID44L8EZK@_*V-J<5S/0=HK59J&6'+:T3FV!4Z&Y,'R93!F6VT
MTVP&$1G`+-[(9G9<HIATOLAFISKEE]:)YE/S5Y,NN4\QZX83#&$@MVEY:0!,
M9W2KTBT/VF',-CC?),=3K$WK\=\<2!X?\2PK_=_=!&MB*X!/$0M#MVKZ<*C%
M".;R%#Q5;KMGSD%6:C$F`,HODIY=DHA&R&1I8M-"1'R\=GJR'(4.1"E`N.#F
MS,7?<G!15%S[*:M/C"W:J!LG6;O0",*'I&C#,"]?HA:B&T5/+IXFKRY*HA94
M>1TA38K]@1)<ED)'8TV.L7[7Y9UOD=KV<C.VLXK8=AL7)OJ]2CF;R]?P:54:
MY7]1'$]G@7<EVAUS+ZC87RM>-QPS<P(VN00FP/@XWR5]69'1'CQZ>ISD3]@?
M9JNB(EXGQ=)S,.8AU-V5;RV.QK*0T*^P261TT>`N4G_75='5NBW(.6L)&"6_
M1U*0VPQ$^=,)]IV!(%POXFVLH?VHUL`!I.G\O):/8@.460W8N9!6($H+RYW7
M&"F@Y?P:_5)M:DU41'%S43&"4.9/5%X^B4^MM/4I$\+RC\,[/[/4W)[$+Z,U
MVGZ!`'U,'GE(J&&R'J17JJ[1H=C1II8WS%->+$RIW1&)M6D`XJ'GH3KT-'8,
M%I:C287$26\NON29*9P9MMEU>JUP[K5=.V835\D$P6J?5P>XP*.S3'U)IYVP
M3JK=*A8$S2KLY<B2VQ$3*:?BQ6Y*E4GV_H6=H<KVC>VRZA\X-VK.J*[HU.^4
MM7\KKED1:!]D(>K=*.FW3EN!G8J556IG[3*9=CH2RW(&)=DI>CP9$=\%C'GU
M*`S_`'_W1T&P#*_',W>$87;<MI^KCVL&@0Q>1!BT7U>FG+,$/%JN^.)V\JN[
MVY!"',DD&`\9M3RH,?@Q3DB(N(DMK^V^\$IT*R,#W&TOVQRG4NQ<LF**J<3(
MMFMJS5@O,"-)6$#)/X]DH&AK'1SCJYT>;/L\7BB4Q7$?")B)J,VOWO[H4&F+
ML-TLE+1/D5%RQ=`8K%DEP\VTZ)CM1OU4LKVCXW38<";F0X[:9@Y8\;+BMQ8\
M9V9/+IARU2J5J*/UG6I^_P!H=@AAK5/+Y<V4E94--,0<E>E6.O@#-9I!2=?:
M_P`L^3NT.&HV2=/Q3#<X\><%S>1V6QD'\23^0(U%%I9A8?80YC>MEM#1?[+H
MT_6/6:R#J/::"Z/&U`!9*QZX&[=`I$&+7Q4B6!!V.38G7TN2B#HJ9">Y(4EQ
MMU*H'C/CT-G5M`]L!>`:&0N<VZD[T.7Z]DF+<UD`W^65^MZ%7,M);K-J6=A`
M"(-N(9-PS87QT!4$E.3(AIBR4$'6OA>I/&?T($-UCVV.WL+7:S8=-(@R=^;'
M68D<P2``8JF:P+M3(^:V@,=*T(()*%=OSJ24GV+KB)2*]+XI*(@A4;\9X7",
MVL:[[H2/4*R7X^CY-:D:/GD&9'@4:U0+3EE.+/Y]'V%AVND\&;48E9[.GG5#
MWX-7MS#`UMKKL@T[&?>=#$>6/8TU8V'W1M>E5JE27;>`'R(^7C+]9(&22Y%?
M@3X)3*$6^V4.5:\=K0\35]+$6`X]';*E#Q.`W%6X]!#.1E15AB*/*O6+W5++
MR^/8)US;LIX1F+QK1EXQ7HABA1]3F^KLK5*T,&JKW:K#CU9LC9D,K*0YTJ#^
M&I4M<GL)?W!]I5Q'V7]SX*AHVQV"Y4V]SZ*2,]HKV`2U0C0"GU[!)\FT5&S#
M\QO4F+I%U-6BS#EQ5P3HT-,6QV0(9CPG')(O&/\`(^TU4)R3=7K9F:,,A)A<
M`')RPUC9AQK")DSQT>4^,.QQRECXYF`Z[UJ4AA764/H5Q'>IYSP>93/L9KA;
M&ZY4+`$KEFN1$K<I8:/3*A!&$#]O=A9UH%P8K0]HDXCK<DO(JB&FE1N+E?-U
M"4(7Q2D]%2R12Q>R\Z-DF1:+0Z4#TLOKA20(&A`NA-!:V/EB,[T'1++UVWV.
MJCB"N!8N;3X'67PT2<DAU+4B/%^Q_K(J7DYQ%?V)E='%S)F2X);Y\`[)/#\[
MN=VEE*73R;E7J&K6&TOFRI"G2!S94!*RM]+8P/(..2HTQAUYV(KYFFA>./4U
M^:>]MTBU'(:_;,TGW*[WI-+HHRTNWNK#VK9J:Y^.A=+<-0Q-+!Q*G5:\3UYM
MX?+8@..$HXYY*8;"G(?98.)E(_L@(0!?#-I]?RP.`6B5-JH<':!"MI`U8M&`
MU:S9Z'(B*[5)907$)"+0CI*1%:)/P'V_BCQI_5<[P.'L3K-O;?0-=V?):W!S
M(QF=')/7^NZ#$NTEF'=.:'7,KI6A?QG^&E@(JR"08R/=&'8Q1Q49^?Q"OF@Q
MFW(ZW1&DE^IDVCWH%!=&L^?KSKA2N@;6!!D-.Z>-MYJ(K,JS6ZD6^RW,XYGK
MT<0W3[M4E!9'('[@4P4F,L$2(S[)2HP<?&2:[Y[FU/UZT`31[=4C,I@D/`V)
MZQ0B(YJ$.IY)J]P35IEQI7QO?@U:XUT$&EH2KJ^R;<.4G_C\G.`HMKP<Q6'W
MWT*YBVYU(SJUY7$@VD^$Z<MU?E$A%E=K\72:_8@<0D8K8H)RPU2[Y\YU]D7*
M*L*'28KKDAIYUZ(P+Q^IUCOOM4WA]TK%-@YZ9TTD?%/3)0:F3)TBWCIY(=<'
MJ%!_3_QR176V;Z;I,T;!=(&ACTB4TM,-B:IE]#8B64>Y;V7)JR3'M`HM%"Z%
M9-ALZ*@*K`W0?T(`2<BUF\62Q1R5ML]0%EHZZYV@3X,F,^"C$62*>L/165MN
M\;#'G#*)B?V&N%P\6T`<--SZQ,CN6",])O(*!89%(7:J)GXXS&KZ1DMMX\1O
M=[;C<%?E\4W"A/252/D<AQ90O$BIWWYD'91A_)*!*-6&T9J^K/&S)>L5\+,-
M5FD7V^W.:5M4@<4FQ54$A4RX)4!Z.]%?-CG4?<PTN1(:#C]3Q"?V(3:G5/VM
MXH1FVBJ]7XI"XW:$7K027RPG6-M<KH`#3XT9;$Z!)EXC+9>G/S8B8K9"*YU+
MWVR?A9''Z'4,7VE4*R*Y:KH]#32FLSU9>::0/A7`?9QE;@P[:#K)B]Q["V+$
M<)5L/$.H)/H<B19;<1IWBVT.(ZCP3'G!08'^R`;88@V=%Q6T0&A5='V368IF
MT@X1/-DQK!2:I?*U'A,Q)B+==:`=T(:F3`:<B(?8ZZI#_'OQX\D7B1FF?V`7
M@N?U9,C(#!B0$Q[%=W!T$87C2Y57SW5(0R)"E2"X&ME;!=I421/<+V1`4465
M61<;_P#Z7I0Z/-#C_P!I-B/OQ"9C$3[&4"BK<QC1F<3+C=`19/\`;S>9VNOU
MZ_Q:ZU3:+:[&.218)QB@9#$*?PH-B/29?![492^!Q/6;_8(]V#4#U=P>Y6NO
M:+:;"!H#->)3;#=SL'.HRE:H0G4JI5&S.`9H(E]L0/&?F=:+J[UV3(%L?8ZL
M.'ZEH2_:*T$/6[5]DK&<#(V@YL4.!9&27&U%`A,,7%31*F`VA2^T]$RJV"37
M3$<E^-&B$8;L>3'=B39<22S+4,<><>QS^U[[6>B5:_HU+-X)BWU*SZF6JXX7
M:')4^]4.C;!O]:FI"!JWGY:?'L](K.+O.\;<C?B282$SI\X;S\GX!EQ7MZ'1
M07V,O)#U]U#8B^/<-D*CH^I4^OT2D&B=ID6BHTW4R>=C[,45'J;Y2#U`R"Z1
M,Q(`XP^Q%BO]B-3'>MQE#'"S@A$KW<A.,T`3FN:0KP3T(Z?J])2/T$*'I$]-
M9LU!JZ3$2TI"SNKJDUJ\-RXK\>`Z\N+'^U,?KCB&^"\2#@/[%G+6Y4$5[#BB
M^:N9C5+'E%]"!#OY);FH67DCT*Y<AARW:&"$P=.;4U.1^U=FK'/H;C<4]!_+
M%XDPQ_W3M.X:#G(NHY#!$9O;"MB!G+19;ZQ_*AY*OY%2-+F\#U4,`)#9T*$3
MO#(I3SI-K\GK+DAI/&NM==$<<&+I?OD[G-MN%7=QHR81`ODC+<^(C[(^0?O%
MZ'S\@@E(Y&O5JH6:QUD!'_W%$4S*CQ3$Q_\`7RN?A)[V-^0"CGW/Y4?[!05I
MOM1S:5C]_JMNM+P$2^$M#T`66KMOL%M!L1Z4=%/-I(0K'$R,N[>)#"VT]:$0
MGVN_]R>>"\?&21ZO[SUC)-5+90:H9V86&N26$$V#(B(.D2"U4JAG+VW.S?B7
M$;U.REC`*`XK[D,SJU-4YW[/L\$XY62OH/\`8Q`G.$Q4'%+=9+3(GDH&<@J<
M4>(<UQT95Z7H\A-%=M%9I90@K_5EXBG&U_@]BS6FG>0GY;/Q271>)<UR]HR0
M?&\<V.JUFJ6L3?+:-&W6-!MYGL:KUJ*"MYB\RJ]*E4H:8/VFJO5%^+^KGC`\
MCLMMQB0F*ZVI*1$O.&>M2]KG#65:CHUBS:97"&1+K1*VUF#:AED9;IUGI=,T
MMFS1+''@#X;S@:@7#\LA$ZRGK4J"^RTX^RJ/+>#CY*,A_P!D0H[$GR*OC9\D
M]7@5_NENCDKB`"<!TC.Y%E+D2$>0J).;*6*Q9A!!V@,-Y\*)<"S0TORHJ4.O
M)%X?4EF0>Y9G3O849F#U*D@QEYS9Z^4Z%-,"NMP*I3]+V:AV.Z32_8,5PE8K
M9*K@'\6L1/RI`^"IV7)=9XAU'1''"R?0?P8CP!X`\`>`/`'@#P!X!`M.T(/E
M5&/WX]&D3!=>9BO28D0G5@\F1V7/BCV6F"-UL53J\9:GY:?\RR,5'>?XXKJN
MI3T5++P<J"?[`\:L'87:]5M7-,V!-:BT23$JP=B/HECLX[)RT:HU19&T0>H-
MCQ^T!'9;Q/@X8VGLKJ9:_P`.1\8O%F76?<T/$RG`;QI-,MT$OLM+=NAIJK`&
MG0V<"(-EH=3,E+GPO8&IXJ&(-Z6*9>CQNDIW>J?4VTXAAQ7`X^7@R<:]Y,VW
M[0*Y2\OJMT."C8Z]D9]X6Y3DUVOL5(9G!P*^0;A6P@2<8NX;28CL1MMI1"`Z
MCK!&+#>^]#0.+2\E7B/;'U_+6<5HMCR<V=U`0.13*UI(',ACCAZUG&`$X/DF
M>DS)SMK1:3@S1(:6^/IBB^*F2&W)K7.N)\%<6O'L665]ZLY#3OU$S.=GZ<F&
MW*G6PL>M5:1+N%V$GZM5;O3JY*:NZA*RV<6.X1(AB1+DQ!?WH?7"ES&8SSB!
M.+_0U(#^Q#!3IS-*TY`OU>L&I%ZX/`A;,'KXDK"'W6/G,BBV0D-7:G9SX:WI
MU@'R.T/;GDH?Y+JR$6&W#F+CAQ9T%<=\I%&US-,9.H((LVJ_G-UB7&E5EV"F
M;"%V`SR$0%+L;5T;1+@UB9U$Q@2^-;<0EMZ2TXXA*A,/&?8H*R^^E%`$YZ(F
M9:I9*Z"-[-6['804:D29(H]C!6K@"0_M1=NK5O0]9CMI8C"VYD.%)?;ZU+^'
M\&0Q*6+Q,LM[YYD)E/CU9[L\XLN?8H@`6.JU<D2;?$I#>B<T$W7'UW)D:X'H
MD[+2\6>N6_#=>=1'7";EL3(KSP<63.K^XN36F5=G&(5W%U6E4&YZ=_L$Q6TL
MTVTTK.SLRLW@M59$(A/.2EUL\/?CNQI<"')>^/Y6&WF%M.K#BR+6WWGSC/W`
M$&]T+5JI8+-49EM#4Z=`H!*[R>,.3^P`#E0KFB&[!$-'((UV1$6]';'?3GP/
M2V9GUC<!1;]#1Q_>:OR+V.K4;/[E,&3/YG#LBGFZI7BF3F\V!:*3N`K09)^Z
M1:],>=)9W*A171<J1`;ZGYW)2HSC;W0XFH>]W7+)F>VZGF=8;/!LXIU`-UP+
M)89(V(M83&BZ'GUQK<G^.V:=7#$B"2HJFAKHPBY!EN.<<3*=86A?`X^4F2*R
M_P!@F)4]EA5E$WL3,6%T&=-"O1J4_8`IW,2EM$6^GFP,.\R"L`@.D4@BYTOU
MKM3Y'9X\HNEI7%=#BV65E?MIE&OZG9\>JCA7^8U&O]/ED2'JQ-')_#:IZK`+
M:E5RS'G.3:W(O@MAYYUML=/<?7T9)GM1Y#C0CBTLE71_>NA@'BH[0`-JCOA-
M!NM'.6:K5])"E5Z</T'3`M)"F9DDU^Y18#-!SQTU,6Q$>@16_P#\*\PN1%8<
M%XLKZ_>\?I78)E!+WJMOVLB%MYU=/E62EUUZ74B57NUJJ9:UCE6@K"4SV/(S
MS]S#:@?D%R`UT=+@19#KK"$BJ,O8O*S^W]0#Y+6M1C5'0H\6_P`N]CZ5%)UF
M"N5QBC4Z[W<A=+`.CV5IV#2$URAS9R5?.@C(8^)MJ/\`.\VWT3CYP043[UTT
M]J.54(0)*2F=$/;'G<:'P=%5;SFD900S!!+]#7H]CD$*Y410"TFBY%VQQQ<O
M]2-:F,-KCOQERPXO&2P]*]QLSR_2)V3E@=S/7AJ%6)(4+444PW-L\VV7"A4<
M:''C^76,6!34&])%]6^>CAQZHRGGF9+J([W4")-K)&*![EA=>UG,*;FM3LTB
MCVX+<95DO-B",CAXVS`*51+HQ11SK)]Z7RTBH-Y8X32[!7!^]#K4:6Z['D)0
M+QPO)OZK[4XW.K>N6BK5PUR=2-1K]&M-<`1*02L%QT:\R:K6::D3.K-L)54J
M2MDHR-A(<GE(K\'X_L(\AI85]@<7G!7)7^R+!@(A@Y8`.HUX<\6B@E.6"NUX
M&ZV8:`$;3:Q;<<I;HCQ$G0:^/_()Q8:9,EY4AB..;GRG4L>!P9EV?^PG)ZO8
MK$'D5:YS!-"+WN!I=I'SL])!Z2-I5-/6^-8)2@]X)KG0K1_&Y<*+$1]A:)*;
M^DZ)%2I'5AQ9-Z/[KY3?ZAI][!@[_P#Q;'LZ*Z'>BZPX.?"AH!.W%HQ40TP#
M9C,*UVR!_!IZ_P#\ENS!;[7P.,S742&5+$XLKN?_`&)YARX(H("@:38;?!NM
M>IUL`L+H$<A4')[BX=KF%X_\YDNM.9X7ZU"(QU\:7,D.]4-5.9:>=;%XDR+^
M]&3CW8#`VJZK:WB`&M6!INM5,>_UJ-<XV,.5.&^HG812$DC\[>Z[#9:3U7VR
M'9"G>ML17GDAQ9)C7M_FP2CT>]NU_0YT*YB+O9)8<;7A\D]1JKELI@?JUFNL
M99QF!&%9P2E-1B'!\DC)D.N)Y`9F)[]W@<7G!AB/=#)".?:CIQ$?=ZI4,JK\
M>VD)]I"#AW;-4R1VWU8%8ZFF.<G-R!M@LM%)PXO)ZQ[_`-S*'76VHSS+RQ.+
MS@A`W^PS$2L*`8@U_3I5<D3Y%<*6J%7@!6M5N^0Q9TW-SXN6#VL@S*L,8-7W
M97)0W\\'(9=8ZP0=Z\WSHO%G\L?O34JUH<^L\IESLU7%GK+7[/8P`D>QW.^T
M27I@RV6&SLF+##DG*]R=F)!QE0J.\^S`CN2'4=^YM'0X^,G1V;P\GNTR1N],
MIX1BQ7%@D`>OKE<'P;3805=-/@65_N$M+(RJZ4[7F)$-77?LE0D17.I^B6^(
M$>5X+A\$*UU=C)55)Z7M3E%BTD?*;6Z2T.8&&5\;/*QI=<8=X4.OQH8^?.C&
MWH32TN(=7R4IM'?JOZ=%6?8Y,VK_`.&TZK93G!T35KE0<PU9<(;G&=QJA9JP
M!N@ZDVZK<J]X!1I2FQ'XP^]2978JN,RURVT+<^Y'7$."K).XMG],A&H#`@KN
M*HM^K3KCULZ*FT10LS=Z*W6<[.U!^:R2XA6DRA>P(AI&LM+G28<F4EWGT_XK
M#[L&XA1?2H.;F76!(];AY[]C%J\RR,%<Z8FL&LCBB"[8)1#DOBHIG/X%>'27
MV.*1(@L#XJW>)1&8ZV'W>GDU;Q_T8L#9JI237K<0AC@5$9,#I)&A?JV@&A@9
M-3SAI,EYY(YZ+::Z+7`%<9<5UZ,TEMG_`!]G.A]WZDR34_53+M`@'71V)T74
M06>/<'DR$BH@[P-S(#"9%SB#3Y"0P;9JX\<*9C2YO>_#QB(TV\YU#*$H$\M8
M]BJ[`.]%';K0N*JF&7"Z>Q-WADJ\]6XM#L!2Z$A4*[6YNZS$1)O91NJP9]>*
MK>F-(E1?VK[BG$]>>><\%^['OA%NW@GZKW(Y($:,7P:RV2))1D4L7;RU")FX
MTZWDJ];6LTDP2TEV<S.LQ6G"R*`ZD\=EOC8[Z6E*8;4D1<O;)$XLGTED%[O/
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M24SU1S++2?KXG0<GO("W3]3(V^LV4WF+D6VR7)DZ=J<252`[8ZNM!:XCY&2$
M)F#QJ`PSW\OZN?*ZL1\F\FXU!OTVI"'[+>@6).V.K&]!V`2%_&HB[T7O0"'#
M/WLU60DF1$(G;PZZ!@NR_M^YY4V+#6]U+C+"T`G)^AER@7II<LK@Z(3'X-(R
M9L2-'L7*7*H\:IB1L.!`IL,&NUQYB!(UH=%AQA*HJ9:4-]CMQ_I]6T)X)]V?
M?)$H7KUZ14<#=N6$'B$H-H-Q(V6Q3[EV@MPY$N;8HY08`CR'6X,..&KK]NA0
M($5'TZB)*BL+ZYQU'WBYDS#M0GU)":,>JC?K_`LMCJ[56NU^L%.RV#+KV>3J
MO4R+]"?M-C0D</%6-RHPE,1F(RGI2!KL?DQ+4.1&4X]!]QL7-*],:=FRZL]W
M*@6?Z@5#P]%J,N72H4,++V&GD+)"F;2.FEVT`&[)7@_8_'2*E*=^UAAG[FTH
M^T,2R;*[5_TS*R06<'J)CM^FOVFM4U=2'AZ7:2%9F75FYVT*_:!7'G"`4'8N
M%3,E3CZ.IG])R.]2\F2]U0?=ZFN':9ZH'R^H888K(VEBK#<;0L\S>*TU2L^U
MJX![35JC=9E5.S'8P:T'!]V)"(4M"5M37YTEE;;;WW]<Z&)>I'[?D']?UVC"
M#$M7KF.A%KF(%])`BV9CXES+9C$B2&\[?F,N=:GLU]@1"D21D53<B-T?'=5Q
M'PH[P%R7U-V]CWH_09>K_P`P1A4>5?%KL5Z:NQ#/1K@NL@%TP3"&MMR.C5@Z
MC4IX`(B/WOV<AR68?/DXMJ+Q`9D_J60*E>I$&V5JH@2N`P+Q5K'&FU.K!#-"
M@V@):)%%Y4XG0P$=,9*1"DG.AB82&VF>+<%14HXGK+2?M$\X_0TUH->EEJ$2
ME6FP>NA\3=(UP/+<EV"@$?Y.T(>%S[P;'N-3G9)60'EYK#>GRHW5NQ7P32UJ
M0N(GK8N)?J;<!*]2N=RV_`I.%QI.C2P%IQZT<>ID`M="?*%'S6O&://E*8*'
M#+6<&VP+*XO7)38N5R'_`(;7\?1/N]/)XV6S^JUD(O6J4[B^DW#]16K5&2+G
M9W:+H4"Y9;#JZJ=&_D$?RY8[/+B>*+B2OEXR,GR)7V+;>6YSH>2I2M`]&*4^
M(MZ[-A5%HF?%M9K$JKC"V;`ZB]I5GHT&HWILT[&2@P_?`F6"WA'13<E#C`AY
M3;D9268WPB_=Z>2_0@CUSL&2YNR$@Y?.QF2BMV[+6V6@2*:\H<P[>:Z>JZ7/
MCB*F1XT%XGQYK_NZAM]YSO>?+WP3SG]3&J`_U?J02/D5)YB80%IB"[T3.@4R
MFL1+^R:K,`D8[$K49_\`_FB-,I,Z(XM*&GV^!EQ^<YR+\7.!Y]2JV'_1JUB[
MS'.!,##P<LTF-$O0RX,YT#[6+C166<=JIRPPY,OG!D>97:A&#A79W&OS`\5F
M,A'64I:X+]R)AH].]2K)5^!;Q(R(2&/NH!#2:+%6*L1[-F&;D!1`K=BBSH!"
M$3FF[A81WVPWD/N/E"$?GU6^^A0B;.I.<^G^.?XYS_'.<_\`3P0>`/`'@#P!
MX`\`>`/`(!I695+6:VW5KC').0(QL#9ALP(<,5HX&L57*QC0`X%/`)H\L+)#
M"41#B'&7D_7GU2K[D*4GH)X*:8],_7F%6Q56%TXF(@5]<:37)PN[7>'8*Z2@
MP\U@CS06R(L/3D,W`CY%7^-R^/\`7OK"5U2E?D2?F%Y,ES/K5C+--J%`34W'
M:K1:6[GU:'RK!9)KT2J2#U*LT@?+)3"[Y0N]).9Z)?<DRWGY3BHW>*<ZEU[B
MPR\Y/W2?77-<\F4Z95F[;%_U^JV1Z;#F7VY%AM?K]R@`QY6E01Q0U+B?P>*W
M61SD`4M"H@]^$TY'0VI/>]!MLC3WJ!Z_.UYVL<I,B.+<*.G6>P[3;89$<>4"
M`UZ,>#F(QQHH'-BH-7'K@RXSS3\*7$;DLJ0_SY/!>3SGW/P*]0<,%V"+:5`K
M&8.0)\4U`EV._7@^V/L*9@0F9LL"$4L$B#!L%R+5H?,.RFFT.&)45+LGY%J<
MZL.3]#%G^H&1(9:D4I5TR^TP:D[2P]VSZ]6D+8QH1-$JF?"8KJU%),`Y&`"*
M(&D0V"#$IAN>/3(ZCKCTGKP<G[DW)^O&7&-.K&P$1IQ^]U2&!B0"*;A;(XX@
MY5A]Q%5DC8Z_&,L@+,5`C]".-Q9$Z,^XW^T>5]>KXTIL3+Q@B93U$Q$X?/VD
MT)M16PVFP/GK"5G:%>7I19MV)%AQZW+5^_XE=-%H@1UPQ7TY#B.QVUMH2I/.
M^!EF3&]2\)C68S;>50C(,&"-G)<[-M]OFCP:[K!OD.X0JJ*E''1U6$V9_3CL
MR9$@-,1WI\_Y^H^1B-UD.3]"O\W].:U2](U*TE)8LI0[Q1368`\KB-7)=7$T
MJUGYMFN31*':[U;17[*UDIJNSN!X8:')=6_(=9<=D<XR*Y>,>YH[[_7WC%NK
M)02,*:.)/SX0F$Q:"VJ:G:I<=0EJ2%B&'XY2\(_8V@;1B4L&.*O.*GCH3J.L
MN\<:0KP%)EA$?2SUZ+!^A2%5.26I'2CA<@J^7A)RQR3L&Z0S\VRG46!)4Y..
MO7\G+ENONJ6[.<:D=[\L=A38G)F_@>J6)#Z3>:`BOG90+2H?(EYE$;U>)]EL
M3G\IL]V63E6V587+-'-.6RY$IW9D>4S(2](^B5)0VTE`9?J1N#Z684**I/A8
MN@A+%])\Q^P!];TP>7(6DI`MPLAH1:7'M*?V^B2QM],,*,RN.S.,SEH2KB4H
MX@7DS<4'U1S')"5<D9-,O&=``90:3GT2OWFS.4:S=$THC2HK)NMEB)&#]9++
M\*=->C\9D$"`J,])<<5U_P"81R;]3\E/3_`#)XC8"-.G2)!EFW<-C>6ZX,UT
MU/NJ+W',GBM<8.MA9ME9@:<?B0B"V>RX$4DIIA;:68W&`Y,\1/IS@%<ECR55
MJ9:I&!E@JMCAG*Q=KJ&--RZ?GE<RD;`43BGTRW0,VA56%!(#U*[$(K;[*D-N
M3%JD=#DR>%,`R<S4*Q0R%6X_5::/LHJN"N%C321\"W4ZRT&P,<DLD43)')U4
MMQ"+]77%J;^?Y$=2XA"TAEYR0!'IM@'\I=O,JK&2=U_<038ZVE;O="%B`3!$
MFNR`C=;*R#RY0*"$;K$>-&8C*;:1`<DQ%<5&ER6G0Y/^1N9_JIB1/2YFLSJV
M5?N$VPB[<OO;C<$5YFUBIV>$&[)$J31Q%9BFIC^35SDI]$7BY+8EI"_JE;_'
M0Y/&#\47U1P_-;@,N],K)4.7#"B`L7"Y<KC,K4/I@.#KQLNW5)YV3756(T!J
MXV)*(*C*ENL06^??SO7.N`VV1G_XB9O5<JNV<Y;`<!NVAVE3ATRWVO3K7'K\
M_,W07<V2$EQK\%ME9@Y_&K<)L*V'*#^#W(C+J>+4E?'!>3SY,#-/2_,Z)G^?
MU8C/LYBW4<XQ<%:0)M5RJUF(7!P4X#-$$3H=HF&&PYT(\J#*@R9LU,N,E"I3
MDB2CDGH.3;,J/Z.>N,>!.%<JEB=&$.OQGQ\G1M#D1&J^[7K=5FJ8/9=LZDB:
M4/"W@@B*,B?#%C/+:D-I3(89=0')EIC\%SF%5;O494,\?':34DTF^SK/;;/8
M;!:J^D05`\CE+`3*R"W9/ZDU(8^=IUM[B5<^BN=0C[1,LT4WUBR2>3L1-T=9
M6?Y-=P6DD!<.\7"&`C7H),3-=LP<#'--B@I&R=XILS^*TTV79>>3*2Y\[W7`
MRS0U#TYP&DLK9#U<Y)6Y)!252S]\O=FG)Y5B.8$JQ#:FGK$0D,C:^O&*RS%C
M(4EEN.*0W]O4NO\`RAR9OK%ZO8S9Z]6ZL1KI1@+5I=Q='QA%MM@1V6-T0F\7
MT"K')@HU$F6"F7>:]]2@B8X\/EI;;2IK[6F^)#+-DGUQQM-3L]'_`(>WVL7"
MGCJ(?&]+G.?DUH0<N%D%1(LM)),X7+&G;V3E1Y<5QF6R\\A2'.=99^,,LJ:W
M>D63VXY5B\XC>Y#0Y4YJY1"FAW\KV_MO9I<,X'&S#SMI92UH06%9HZHMDXAP
MLQ&',QFW4(0UUH52:/6P>E63*IQ\/2H4X-;"D"V\C6RT6>_7/LPW<Q>FCC9.
M[1IMQB3[Q#*/Z\=E38<J8EN7(DH5U2>L1^M!R9?V59A6\>I`"@U-PLH%70E8
M`CVBI@D5Y&A5.H5ZEC68#,^5)8$15"JTPXY'B)9CKF./R>HZ_(><6(WEY+&\
M$*2V[+CFE0\_G58[7P5KS'18.BUU5OK#MQJ!.:S5K;3)@RP@8IFO3GF5A+I+
M>AR(\QEZ"38C2.?)QI33@J>#CX-_7S/B2A;Q'51?$5:%6:M5U`L\X+?D4ZI'
MK_91<JX*D6L@R?OLDCH<E$HBVB/&=1'2OD5*WGOJ+R(A&_KMNJ2IPC9=YKMA
MGZ#"*T^ZDS&>6&=9B=>*L8]TD?J1PYJQ=VJ:=,:Q=,I+T1GH(>Y.[R(+99@,
M)5"\E[(F07T)LX9N23AZX`%7`/D\7&J(>KF</`N":Q7X5<%`3A=;-S>+N7@Z
M%%3()\H,EBWWHTU'('X"XS;BJ.1$Y_\`6Y-(@Z\")Z)5S`P4\F85"R:]IX<7
M8UF.[V&M@0F4KVU#;S+KTNI;JZQ%Y*,RIBI0]2YCTMJ:ZVT'+]"V?8STKL'L
M%?F3D_6D#*)%KGZ@;22%;-'&Q$IZCZ)1BG(;+5X$5*?`/1KZF5*=)")Q1*X'
M([,MJ,^XWP12Q_$_M:])R-5VV)IP[0J^]7'=@.;,8KTS/..V-!J3(WE`2NU>
MUHM*(U=KD8=NCWY?/U\AY^3`<6WUI!!]#8.65CW-,>](K<502!QM(HC55E$-
MY%Q'".63"-O9HOLGH`C3-!5(.?SIB"_J%:/@V8U>/IB(99A+7V9"E2/H[X'(
MQY_]>==F"!(EFWA8G!\NC/SG6L]&]_;QJ=5[C77(,YM)=OYXYAVW+DKXYUQ*
M5M]YWB^N=5P.1YW#T()3F92Z'I-7JA(A7;[4)KA',?VHU`/2YOL"]99S`P1<
M*VIRPQ8^Y<Y#==>7'^48KKS3J9/VL!R^IY6#^O&$8&MPH6CPA;T=N=):=_U_
M"F0I1I=W]@[\.E'!BC\=DV*Z7W%+)&&XM/2,.`^WUUKL[JV`Y&Q(>FFJV32I
M>J7#9JD7/-M5R0!#,4&W,5@%*%:-@.BR@0X/)U2:)&59F9B#K$5<*'&+O*-J
M>G3)78;+:P4EZ8+:]4/6*9ZPU^14XMA`GQ#T2!!FE$0+\NUV+M5!UJHT@L=)
M6_3+F,A3H%3!+C38HJ%`'.NJ:7'9BH;4TX(WDU6F^G\32;#H9^5<6(:KS(U&
M7%8D56.357Y6D>ON882B3%?>*LJ=DA$9RHBEQ'&5O<G=C_5OC?RN"J6"G;%_
M7BX;&_QF-I@0;6B]?;@6=]&;,O6C]V$L>ZV>M$ZP63:8\,1!F$-UE\.1WHTI
MPDS"4AMZ/V=(6D7D5+H?I3LYFX2PCI&O6]>[VI%IV2_Q,R#"J7GL021TX@,;
MHBCNR$[F,*,<T%;$B,H:6X7^UE294!/9:FPY+'\#K\CZHSHE9E0:?;JU".P=
MU`[G56['1>EJ/%(!<W!YLNM'ZJ,L01\H,?@CY$UEZ-,A.Q9[C#J>*['[QT1/
MZ^A45%_K^(TXOG$*3J80_GN6$Z\?K82;G'TLI$W!+8$:*R#9URWR`Z87YN$M
M_K&8HQE<%)+_`)N/=B-*<%Y?H6=K'J78+]H)FP@=%%5^HW*[4C2K8$)5(F5L
MHV\4>I1*$LC2+,+N-=B015VHP8>)+P"4`DS\$=UQGJ5R%I2(I8*BB^@MS!SJ
M00KVI9VZ_DQL^;SQ%JQV8<;,N7FPKMESC:HN+H@IZUIAF>\:K[L10]8F)SO'
M/RG>_)P7DC;Y9Z$'L\T&AVLGM4FWB,Q@U8%481*NFD&EUJKQPS(T'/==O4RH
M"X@IH1R/$_4!1[CK2OEG+F2?^[P1R+$?]'L^DES5FZ^,1;;/NUAV"PVYNN-.
M6&:'+Q+A&&4J(0EDI2A:*\]:DR8\MCB4=EPVW^Q_E^BTAR_["G@']?=L!J,S
M?]KT9XI;\D->O]I3'R!Z"$BYC)SRB9Z%/4T6B_.N`=08C9_&D$)KKTH<0;>3
M$[$;;@Q%\%Y&S.>A5FMT"Z';9J-8E:7;+A1[PV4KM(M=.K,*=2+J:M<>M*_1
MZ@SH'\8)Q2R(SW8QZ+*Y*C-3/N5U'&/(3E_D9;_]=%/6"=KPVT0*X/>'/!VE
M`:CQ)(4+D:?E5_\`Q1)PJ?*&_F@"LR0*C2)<B7(XAYMYU;O6>H=HY?4_>??U
M]"ZD#9B$+2!=/+CYI$*&QE<M)!XIW-;A^\;*_EZ'H=\/P)ME!Q(4*1&9G\'Q
M514J99^SGQ]A>1^[SZF:1<I/KI1WSU';JN?X#9<KTN\,TI3DV1\%Z]<SX>/G
M0Z3<OVE(L)V'ELEY$UQ9:+"6TE:T*>;C?=297E_J5WJ/H?:QE(8'4,N&M,82
M)RWD"JC:>+KEH(7NGY/_`/'EF8Q;YUNB!0.6<JAN0?)"OPI,U$QA_L=][YU1
MUB\L^I*\]_KZFYI*CS*_?*O*GN5^[9?8"5CK%ZM9"PY/;XE6BPIB?Y+JI:%5
M]5K3550RS.%,Q`,F/(>0X)YWK2F1'+):Y'UMT+1?7%C"=#M--KA>F%:&+SZ\
MT:ODY/.5&DA:H&)D"=>-&U?@&[R-;L(UYAF8XS"&E&T_>^XVYUP,^<HK/-_Z
MZP6;:30;RQ<8UH@5$D[]X4T/N(A,$#3[25(81!K;-3T,(!7/RNB*%5I:S<`S
M$G1A#4EN/$<4MM0KGE8)%I7I`6M;1YZG:A!J)*REM=DV+ZU0NS&LH?7-"5>)
M@.P$*;>*5;W8P+ZL\0J*4B+FNPVD/]_#=D17812P5>0_K%&2FX7'])8L,841
M#P1M<.`K<$K;>?3LS,U#3J?(7GNETZR/?SF^72P6OCG)Z8S3Q/L!Z/)93\WE
M+S/JOSG$\YSG_CG.<Y]>][_CG^.?Y[]>]\&!_?`'@#P!X`\`>`/`'@#P!X`\
M`I'6_8+/<2)50=>NV5E-K8,$$DPM7,'Q-;`@#%/`&+-;YPJ/(37JX.,WT2P]
M*=Y]C7)7R+^UEIYQL5)L];![(>OM4!0K-8MNR@37B1)8<<8E7^K\'D"C1N%7
M)4&#(036B7)@'23$62EO[OQ77.<=^S_/T##-Y7MASFQ/B!C=K`BK*<A*)C:8
M:/`85QD#/W$T%')MUY!21.>'SR,!QMAYOBVW5<^WG?O^J>!AFJ!;WDQT@3%)
MNU=$SX)\^`A13QX$*>LRJQ7A%J.&:FT^3Z[8*\.!&V9#TMA/6VFN*6O[4<^[
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MFX8Z9,9F2A`B,VIR5)0A3,=M/5+4GG.]\$P?OEZI'3+U=Y<:KVP1X1(D^"Y8
M1'3+`X,^B*8GO#/S/S6X0J4XEN2ZI'$,.*XE?4][SG@&C';#D9=NNNB=2SDH
MU;RQ`#4W!UWK,UNT'1*4K*!:ZN,3=2:+#4JYV1&C==>9YWGWIYX+AD$.>T6'
M@7(S4B_UN<HU`D2*2L38:X09T@G!&7HL1K%`D,F?Q[!91L/.R7SQ^*;2VXE#
M?W_>KJ4AAEDO:9G,;]`F9?:9!<M,@3#K;$RT@8[QZ<>60:"P0R'"'.E9I9X3
M+1&;C_(J0N*]QOBNMK^@89'U[QBC5CM=0DZQGD*T4<I!"6X"1MP,<4`%B=:;
MN4`>1B3IL=UJ5)JKO""4_3O?Q4J7WZ<0O[0P_4]X6T9C.?B<;NE8;%F':G%J
MME>LE>16;N0NW"O:\*I1A)5<>R%)W0SW$,1_N6[WG/BXY]%?:&&:5WV2]>V+
M&5J+VW92U9`(2P6,\*7?:RF0!"50N/`68@<5TE\`=D":*QXTODE;2V'G>)7S
MG?K]`PR91M/S69.E"XFAT:43A"AAZ:.C6T`_.B`S7!_0QF5$:(*D1Q1;A:+^
M-(6GC+_Y+7V*5\B/J&&8,;6:`Y9'*=/LH8!:7+%/K(6O6`T$%F[7.&BX):8]
M4Q+I-1$Y#8BS^?<IIKY$J:<^Y'$I^[H89Z$=<R@._:HQ;3L\%R:+&B3;O'(W
M2MPGZ=#GOMQ8,NU-2233E>C3)+J6VG)?&4.+5Q*>][WG/`PS5P-OR\Y&LLJK
M7`)<&Z7?A>9W--8*#2:JE;R<H)'Z-L'>3&FAW1L>P1I,G[E?<B,KJDI7WGV]
M##,V+LV/SH@6?"U?-9D&R$B8:NS8MZJ\B(?,!(RYAD2%DLE%LE20B&VIV4PQ
MUQV.VGJG$I3SO?`PS7R-]PF'"$DI>U9+%''ACQL%/D:/3F(1H-&ER($@N)E.
MF4L$1D>=$=97(94MI#S2T=5Q2>\X&&2R/?Z',-3JW$NU1E6(84@!"0"/9`SY
MH>:*B9AX8(G"FIJIT0H1!CI$UB.XVEUZ(PX\A/6T*5P3#-";V/,:O92-3M=V
MKU3+C8E1EN?RHK"KD"7V\R[3!K,$62,/PX)0J0D4V?S\5A;CZ.-)ZI/.+1]1
M<,C6H>PF>XV=#BM%_DU?$FA1LDQ>%U@M,H<60`KMHMTT%/L<%B0U'L+E9IA.
M8U%^Q2G&XW$?7CK\=MX$LFEJWM)EEJ*YS76>74-:=,M=YHX>L6.A6H07!VS.
MJK*NUG!7;Y1JQU.GMU>-R;#1.D-?LF'FUQ/F3WO4AQ98&?:[1=,I4[0ZV3EQ
MZD,,W@&1)6<.6IKD"5G=E-56T/D!]JAB"(T?#)U^2M#\AIIMV+Q+Z>_$M*N@
MTT;(QI^:5Z(0GG]#HP.`)ER(!6:8MH`9$&3HCPB-+A$),T@PS"EQ9%@@-N-N
M*2M"YL=/><Z\WQ0F"<)5Q7.*3WBDJYQ25)[SO%<[SZ\[SO/\=YWG@'-'M/;-
M*I-&JU@S%5AE$8FDU3EBK50JTJRV^[5);9/A.HU>3RDWX+5RY.9R,OA`M"CC
M.LLN1'2`M<ILE%%23?D^=T/5O;0-:J%EL,K><W.V@U#`":,,PP%(J\+,V_\`
M4$DWIH&Q'*D1CKN@J?:+.F8-=(RV(<2&V\\-:;9Y(EC/$<&.9J7LU<K>'O5H
MIML.V"@DBC(J(4RZM,AKN3Z:P>FQ[I94*J77H=ADU.&5?;FB'1C<1I$KX6T1
M4N,]@\$C,[M[A-A\UB4]C<R]_G5HP3TYJS8/^!51E\+5ZS1S=`K0L;A;;<@1
MD%G&07H!29:XD4K%(1>,S+%UV1R/28C_`"/W:PGMO8KZS6B]YV4FH?,`C:*4
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M7Q6VSS&11R%@*15V5IJ-]_6HOW6I'%)6_!]N#HC`CWL*Y3/:_1Y0W1;!L<S+
M*,2K`O1,P50X*=D"978Y1K.*8._25.';ZE5="?X/CS6UR^2DJXCI.9SB92J1
MX\+V(/)WSVX$1+,-KL'8;Y!*RZ_%Q&XV+US)"+-:X`^SQG=#+:&"&T*M"Z*L
M:/FOP87"4`+PA"B,R(C3[RW'G`Q$N/V%T;;LUQWURA"KYH;.D7+I89:C5;R(
M#>;Q9[@/P/0[N&"2:,*I988!@%M(!0(\Y<4:RF-&^K"GXO'%2VA$DV_H5%-U
M#WR%,09CD*YS]"+RCQ.FYHWD@9[-;`93NEWJ)V@W2^0:WV51Z=1\8!B#@(K,
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M.C@TL'%&;Z)[Y9W7)#,>H'Y5?R6C9N+"XIW-[*2M%R`$*AF=9$&@9Q>90Q*"
MH^T64T0L3"K>2(-)#)92-'M1Y2Y(RQ%LFH32_?J&8M'\MD6PW!IUHT-!NLT#
M*D(M1F)GM+W2?4(=4-6K%A]$17=D<KM1DL.02-MF()RW&.2(7)C8]B$Q$K`O
M[+>\X`*'4M=Z5<BA>PU?'*^9Q5QJN;:OB?8F<S,NEC+9-GA2L6,<.I]5<%-)
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MI07L;[;.R[0.GRM=L%DJ<D=3+]5PV(P!(^A`B63907'ZVW;H627/LV^-W:W.
MSR8.)`.N)!/25Q*ZKD>.OL+B/\C._P!Y>\-.R]O<;DFZS(52KLFT77."&2@:
MY&(5/,\GS71[8_$EDJB`M8VZ:.38L@>)^3V%$;G2$QV8$=]E/&Q,1S@Z:RB/
MK&<[Q1ZJ=;LIT7JV3LW_`%Z0!K4QBMAM^_7H8N-SM]G*TV4&<#'X(,8$`"`M
MB@2`ZH7_`'BID>6F9"I'C!R?JNI>TIC6;+5ZXB]6F[9^0U/3:UFLS*&A];J/
M:S8-?H^1'*A9XP()(T@-:<_D"YTIIXD4CK,RD,]=B.._A,#))8_0](NE^T(3
M2;+?0L7V)OWW`ZI7J#`E^OL:NO;GE=5N6Y$["5NDTCG%?$YKI56%F/N!QUM5
MO]PK]:X[`G)G<8[!A-8\'2'J$7W.U6/2;MK,.TMD>T`;5:M;K/23X))\97=-
MV>>`G.!9N?9#-*SF`IN(ISK=<!O3(W65_CIZXEQ=_4DL8PBE:IO'M,JKSI-[
M1[`,EA-!'B*I*K.,-MB=7N,W1;/6])UB;.F>MIFQ4"HY[7%"3((#-K4(RZ(3
M)XF)9I'&UK#"]L$<S.Y^[W=!S(A.$F*?!U.R4DUJ-CL^;7%J+9C@*L8+6)U;
M*AQV/V&;3X9ZD1[%(:D/,TF(R<9XM^;%;BN#7A6HX.A=[(^S0O:+W(QZ-900
M"+F<>T-&Z]FX2R_SFR4JGW\O7\_(ES@0QQT:4LKT6.\S"_'(]1(ZU'D,..\<
MX,5C'D^CW@Q'@#P!X`\`>`/`'@#P!X`\`>`<Y;)ZX5;:KUGESM'8$GF:U721
ME<@$1/##$&WW0IFA:NW7D&7,X#)/TJ;GO'F89&'-BO2'VW?M0MA'>BIX1R12
MOZ^[;7$6NP'-2JMHT`[&%289<K2[27'MGPI_!;#^<3D6;1;!9Y$*SSL+:62C
MQIT5EK]E\<1#+,1AOHR<D_X&^`>D6ATAMQJG:5F[JF]%J.RCY]HR\O.+1]!J
MOXP;@201%7P3(E9K(J[2EL0.*;EPRKCKR9"V'U,(#DB$3_ZX[G-!5*HN[D,D
MU8(-'H(CI%)L$6.H\/SZ%091L8)%:+!"S%62%&1R0R:8+M#V(S:8/&7GI$A8
M<BTP7J@4K?M3G]Y'*5V@U\9=KA8_Q0P477)EBCT^@YIC=6:B(+ODG)]&AKN1
M5AQJ$U#CH+H1]_'$M\4)R\8,`G_7^**M7)<JUUYXG:)&GR(Q>30(<D@)5H-'
MUVH0N-RW2_93G:ZYJJY*.I<;^_X%I3\?7^K0'+S^A4U2_KNLMO"SI^GV>M5`
MK.J6QYT,"U*DQD30M:T.+[&BA]I*%T6N=$*:/$[OC\KI",F*A;,=2/L;=EOJ
M;&3GY\&]F?UYVOD"6BNW6@U(D:K:^VV0.A;05[;-)A:0YHE)T&:3L6S%3XPM
MF%@?>+!'X<IF7PC)=CR'71JNQ?!.1M+9_701M"Y4U_9W5$Y4,K8I[W\2?%-G
M]EC[:0U.H:86<K-I"3(2X58L1FL3XHYR(X]!**=C/Q>LM-^3`Y_H3S1?21^T
MYGDE-J5AJ]/,Y-0+16JW.=A:`;B5NXV6X9;=8.B5,K)T-FZQS-).YVN2/;GD
MYS<I<E+4OY(_'&7*3EY/[O/I(8W"QE)L[31<(5:Z)3Z[;9\ZB-$;HBQ9]7=3
M"`"U5+QCPL4#`GY&JR7S0W\-?'F8[D=AUI,YU;0*6#94;U5N%*C^Q=VLMCJ=
MXTG;*%:0[D>K4YRI#AY$J=TVRLB1$L]9K)/X,D.7B/%5R1)2EQZ'^0Y]O'.-
MM!R]%[(H&E_UW720&KA:Y7'-!ANT5;*J_J=2%98\W7@H7+XF-20PO.&F+T^W
M7+"5EY`Q$.SNNRV)4>2W^,AKHZ+UR(O)>Q)&?Z][MVI/!)>O5EZ<]5GZ".:>
MHQLB)I5`=I?LW0QE4JTHM=YEGG1J:"]@V$"I!6=,E=0%XT^XXEY'8]'+]#/G
M?UR0G[W%MR[W$,B(FC6:?"I9*!<0`@1C]C.TZ[#L[@2Z-?ZY.E3Z-H`(F2%O
MR>N#G&S3K#\)7&FW.AS\8+1T[U"LUVTO0=$KVB@JE/LL8\2J<_E)42L54MUB
MR"N9#-G]+*/1VW8#0FJ,NM+C-1"#?)\M")"%?"X@12PL',%=_KOM!"W/1+27
M9<KU//N.N2)<[0!U<T</H]LN6D7:$$>!;`[IC$NAR[)`'CR)\I+[/D,2U2([
MJ7$NI%Y%OI]'M!CC,WA1]!RIR3D%<#U:GR'\G)M1[$/H.C9EHU`GZ!`BWAMD
MD:)RJ)(9L3L7L=N3*EM3HC<9QGK+@<D1\1Z(2:$5P$$%(+L+8S<HNB:E;Q];
M!5\1)SRL9-2&%9Z5'OG9))P4;V?)ZE.$18R)B8(X=R*YWC<?KSH<O^PN>9Z9
ML3-:N.J.6X6J99]#SB\PF':@TZ0",T74,[T6:(C&%E?G^E@:H7(:W6T-<1\Z
M7%(<XW\:A.7C!"-7]!U7\@5L(>^#@5@?U2[:M&6D`;&M%2%GL>.&H5>M!BHV
MVMVF2+@0LK7'Z_%FQY''94=Y'T3$^%^!2P3D'Z>*!95=LB'64"+K1S2\TOM8
MZ/KY:0^`'T4;F,>16B#A>S$9IQ#DG/5(AS'9'Y+<:0CDCLAYM;KM'+SDJR;_
M`%ZRV/Y/%K5_J`P1>\K>QFR#YN9\E-@JHO'<BSELU1$0K..CASZC64IE36'D
M/020Z8U$=2E4)M]T.1GQ_0%9.;8[-<+70YENN5F:MQK])F+<2M!R'Z'?@;HJ
MICREA*$!X7JMFCS%<=D..ND($F0KO%3OI'#D3CUT].)?K_:29UFQUFX.32R%
M(/V`9>IUI:K,^3=K,7"P8Q#1)U+KQ&'=+?U4">/%LK_5*D1Y+;SSWY"`<LF]
MWSU"C[E;K/:)=I&CN'<Q+4"#"(51HYT-/)YQN6?HL<:0\4B_]\=O9NO?8A#:
MU-PUM?)SDCJFP4L?YGKNOK3>=NN`YDI?:PQDL3(;S08U7E58S*M%>O5_J]FI
MQG6`9=JU1J_./PJV68@CF9XUY,"*Z32A:E$/N8!/'\<FTIGKG:!YVC7:ZWL&
M7O`K>+EO%V[6JM.!UDT2LV'V3"QU?K0LE93I,$."U\E`?4]*ESW9+\1[_#?'
MT_")DEE2R:Q`.6S.C":S9LAT"3O]JM\F4U.BV1XYL&ER[**J4,<E^0.571M5
MLA6,0E.KZ]*D<C*:;91\J>AGW]SA1O\`JZGM"&US-F;L]E976K#(=*5RR5P/
M8]!F0[/7=HLI]ZE7\):6F=7IRZO%^*&18=@2:NTZIR4W(6P@9<SZN5@#"JM:
MKU8&M(8'5P&)`P&&W)CS;,(/`CCXK2'2$N?/=0VQ'3SBGWWGE<Y]5N+5]5=&
M!`M>V:H8D%%V&[(+)#%9QD:W-&18\IN+-#TFUWE,>9Q^;$4VX8A5"1"@\1Q?
M9!.1&C_1/7N*X*EDX>`>\GJZ5O-CO]0Q6W%]#Y'-"+/>`E/R[MJ10*3%+2;,
M</V+MW9+10=>32)2'`DAWE@<_#BJ0,4T_!6X+Q>/T)-W^P`-'N]IBO99I<ZC
M-9W7]!H,H6(J:CUOJ$`CMKFF:E'3*T!B*S0`5?S6"]#A240[))>FH2V/>5)9
M0@.)<DKVXJJ<T"Z>)SC4K$+MFG6C,*0%%0J0T?N$NIIN3D^UCD%[T+#C:=*C
MT`H]&?)3(4QUEEM?8R?F:XH./G!3R_[%<#N,FSTVM4S1=-F)AD(K%:!":/)=
MNHV#7+*<OD6-!/7@2V)550M7()E0[!^H?)];XD:W/2XE70XLR&?>2D01^:`L
MOQ2^S`%QL`*DYVMN/0*A5G:J+L<7.;>;K@YRW-/M"LBLS\0;+%/1QK\GCB%#
MN2(R>OI#C]2)G/;O)+;&$Y4O$H^N&-3>PLC=Q$5K*(]4-MZN[1!#]R/UXI>C
M1:#-ILLN'ZX)/(C&'64,<BK?;8_(0+Q?J2:E>]F91JEG@NNY;H1)D^+I]4SF
M+1JG2JS5KG:NJS0`;I]%#&=#B=J(^BS])'-R.%W(,!B,Q+Y%E3$PG5]$XLZ!
MG>S%3@XBYO;U:L\6G/BZB8`QC9+.ZJ4LT*Y!ZX4']&/6J]A@$63$EV%0YZ/.
MG1)#D^#(1&;D([&<D"8\X*@%>_\`F%AD#8U=SW7#*[9*'BLSZT(I4'FGV"5$
MS@@2"5E):^0%BG:Z.U05(FR3G!$+XT2_@>>5&4GHO%FOK_N'88HCU8/7:ADG
M1.X8?!O]\E58=!0K.;,9MV&TT6\7CF[=&?9K4<UK*F)<>$DN11UOY4)4S'>4
MH''U2^ICN?V#>M\I-B-6$-8HTC+2)9ULBN#1;@TER(W5()TE2[%3+A:0Y!\?
M3M)BD""84O\`)CB5RDN)^]IQGH<63?GO'E*O7TC[&<#69%4#V,I5R8&26S&#
M84$PO'I!%`DA-T2/1K6K@MCLJ.T(,SY$I/\`U--JD(=:;#B\X*PE_P!B^?TT
M/9"%\J]KE)$V8Y#%E*U&J8L(7&$-`VT3GX2+(N]ZKSO;E+S_``\N6G-/<CQN
MKC<897V7+B0W`X/V-G>/[":!`:T2M9[3[E=M,KM:FFZC7A/\$)1[&RW2+[<E
MEI?Q:%"778]=BY]-_9B3+@BP)7UAAJ&M^0A'`4?KZ%HYU[>4BZYK:;LZ/*19
M^;4@/8=%@SWJO580JQ3"ENK\RJ-EK9;!@$:5:*4I^0E)"?&CH'SX#RG_`/W/
M.)!Q:*F(>^C-KKU.LN(Y-H%Z&$M%S"CV26\Q0X<:.<O1"(@AG(AXAI09J5>Q
M8>>S.<GI4]66(SB5=GNJ4EOP../4Q'O[*\3$2(K9&)<3_P#((2+4"A5FLB8Y
MH532%.!68'TN#,7=!FP%"$B=*86X(C/LP^L*5,1%CHY*>F2\&2(G_8[@<*\D
M<^'C[U8SD2;("#^@H-4D,V2S/G"]>JX*O1Y-PB%9;%V)`WD#C#L9BOH4Y'1+
MGQG)#2%4G!BM;?3#(_+-@T7"7)6YG;=O=*`M#:Q1UWG-Z#D>DWVLVHR;M)VU
M<@"!%7K`]M13]87F+GS""VQS$A,G[/`Q[9\&(0_L.H3(Z:D?E>I=MO*#;]'"
MU*QNYU4EGJX`S4=J=<<@'2=\<$2R=]K9=E<(5#7,.Q$QYSDV!&:@25I#B7-9
M/:>J4XG3@5KJUB`G+9CI_97(Y8WG`(4'%UH8S/+5ERS6>\@*\;M,9Y_C3S8R
M1,C0FNIE37XL-:)"@X_]I4K']@656*NA"-;@VL>6*V^M@WAQFOBS/(0>5<P5
M0L!U;M>N?1LL`D_/?`12L2;*B_N>)<0W*C)^KH<6?N!_8-G4^$*D_P"J-QCS
M);-6,FP;@"CR#=0I=X[EB:A=SL0?H,UJ2*-=V,/_`.S&N3S,;[)OS0F^PW.=
M#B_T)>][<9'7?7U[VB;J\\?5;25=FDQK17)1=U)31D1P0\^;;EZ%`#R;D-KM
M52R\$=(N6.)^&D>[#;DQG([(8><&T9]B<AU;*=9MY.I=,T?,K.^%-U^]R,T%
MNFBE5)C9XF=)"7&X0H=29EF6HLL1VT="/RF>Q9S#?8[\5YT,-/\`4U-B]X<G
MK>89YKLH#?95+T+/[CI3<Z&/K"552M4A(&.55:W"%M@069<L_9QXN'R"_/:D
M3)*5_(F(E<I(<7G'N0''?:_UH.WDB[0\MG4ZX:4:I42UV!FN9R++VBSVD_9:
M[`62F@;1+,7H$&,A9Z';)`X3K;CZG$Q)\A];B?!7%X_0F&#>VL_9M3(46/GQ
M1JK$:P6T&K7[DL)`BQ*TQ%S5T36['7GCDP\NU2OYVIYV1&:[!;2VEOZ]5]R_
M!''"R=L>#$>`/`'@#P!X`\`>`/`'@#P!X`\`YH]K0-MLN;5@12")X(??W/UY
M>0?K8EDV4KXR)ME&EG3B1LN+.&/1185E]U]4QAZ$TRE3C[:VDJ3T6.,^?H?/
M?_Y.>X4BR@`\T3HU8!\H]'CZU9'<1($I-(=24Q#EEU>C@HN;31[S!P5<CR$0
M9A<\\W('2WN!XL<6[^3#+$29T'4-XSRA^A%""`]+7*L`;/>:?)L6;&V(9T-8
MKM7JO:(]A'_P*RGJ7;JR!+2#LB/.*5>,+8YQ3KT[C:X7E#2>6?N[[![A3;MI
M=5I!NUQ&*9?-`F1+4&Q1H_2RM?;M&?B*)G@7MDIP0MPQ7*X;(R+"[Q\LF=-:
M;E#B7(3BX<0,1(I;]9]HK1;0>4%@FC%0\5Y@-<9KV:D0[-BY3M6@$JQJX696
M\_:&BV3XT$W#(I<L34:1)5*3%"M1D-S.P)+^9);!LFX8I2O5\8RJ]5\2SG7K
MO!56(F2S+F1U>Z6K3*]2]$S<[8BD)35`LP*D/M/B/RI@E4LD1[][DA,=3*:7
M";9$:+JWM[H<B+-CKM]9GR2!P#$TU[()LX\Y26:E(T"&.?@6?.\^J2B#5L^T
M(Y,36FFON8ZTTN4O_P!T\#42YKQJVSVC&LTO><3Y=BTR1<SHVPNP,S)$4X[;
M'<WG"+356Z^EN,T5_@MKE2H2W2/Y/%2?OCNKZZUWJ1CA9_0_&U6$Z6R''ZMI
M7='[JI?V$N5+J^J!*IHX7E+"YMKEG$1MDM,'+!B0T,N>S*MQG`[,F*V'+&B[
M'V--#')*V15Z_H4I7JSK!NEZS\3.[CST`SZY']"8_/U0.Z3]BA'LO;)NE\JZ
MY#T9!RD+SM01<YD-URM2@#8]M7%L(=;Y"^,KT_PCJ#)[W187M5NI%J==J./L
M%GJ^,"JC:Q>K)CZ=K@W^=VFRZ&`9M(MRM1PB@X]X6+>$/)8?@`I4IWZ0>C%]
MIB\X.8Y7L][J0!AB26KAN/87M@=A"J^&SFSDXU;9KUF+13&86;X</(/D`5PJ
M#XN?7Y<"8\J3^.3DR+/#8["87#+$20%[Y[FRZU-D6"19K:,-9N/X6HSN+,BH
M<@M?J)[*'247DX'!B6>.[22E'J8Z.TW*0YWLY7)?RO3XWX]&(FCU#V`]R,ZK
M-M.&[';!-=9J%ZTC^<1/7]DUREF0TCV.CTC+'`\,'-;=J9UG.JV\0*3^=F,]
ME_7LV&V4A]8$2BRR2^N>PQO'-%(I!GKMHV?>PKS=8-Q,W/,4P@!9#$3]8510
M'*]4;40B4]2HL`JHDDFTHPB0EJ?,BN,?&&%G]"/V?7_;^MMVRK3+=>FCP&I&
MUY99H?KO'-M:_>B0H*3FC+6V)K<L%6XV:13/'1D>/T3TWU*T.RI"X,M"C&(D
M2OOL=[JT^'MS*(5D)DJY?K%6L\CB,S,D"<5=+DZU(I[EFBC<&-02-6W>H5>N
M/QOU#A1YTX3<:03`QI#"(PJ4?!GD_8[W<[=&:W4Q/#:1FB:<WRSF\]M`+--$
MF03-&F4O(JNZG)GK2'B1J$6+,/22<B!]UHA..(L4P;&<84&(X-G2++N[V977
M01M\V.6?*^W&&ERIZ;C3U()VFMO8IB-=M-)?I9BC..#,Z1?TOAII2%`97$_'
M>Z]+ZJ/*EK!X]/T+%JMGUW:?4WV9%ZQ>=$IB9%%>&BM8BY)8Z/>:N7-92(*:
M,*#4`2,$60\,S.^3)PV._";3-E1VG(O)KTJ,Y.6(TE)8(_Z3%;$-@9+HMDI.
MDT"LG/3?'JTY2^NZI::6)L(G33U2KTFIUT_#>(`56T62CEUJEQ&"L</.8456
MEJ'U;02^GZG/V)1MF&8!M3]IF[$#)-:SZAV1RR-TO7K2?J4AC8JD_J*B=-T8
M4<GW+9:2)&JFWPP`BOT@GQ<=^%`:9CRXZAD\9_S-H5E^PU\E"KA9*/=I)EMN
M?(_.AT2X5]NV0X\;UE>K]B/UUGC2!<^T#!,B3)'MHB=AJ_+B_&TXP]Q,)X19
M8?5O<,Z4@TT,5N%/<=E'XEQ:;P?C\;'8E7;NW<U!U`]9PCPNZM:Q4`<`E.F2
M73'1TI26TJB]EM1$TGVDXU+V5V>#ZWUJ\YM)M=IU0Y9"C)J+7<SFS`5$NU5H
M#YL]B=A$0\^OEDG1W;R/<!M.,Q6);Q!:HCI@>M'7T@DL^?0I';],]Q7<WT6O
MGC&A1:[H-*U"0DU4O7U^P6.I$IW/9BMT')@`<$!)3Y\&W-4RKI>)26W2*'YB
M>M2XG"L+L85*.?!=6@V?V7K.F69K,X!X`$#9K7;;)DQ<VE6WE\,4ZH4_L"@S
M"A5N9&C1B,PR09D=&(8)JXUU+;J'&^KX(L8RS4>S<M1OV!NL.F0=<!R*=FU2
MB[-)KP_9DMZS1K3H673K=7Z"H3#74Y:,VQ@8=ERWPKJ#;I(PB(/XN4DBG@+T
M-U1P)B%_K:TV%6N-YG_HWW:K_1]C>UXB,&Y0O:J9/PGMCIT61_*$VV1E$AEN
M&X\TFUJ&1EL<6AQN1S@/Z?JBN6]3]@\<],,Z=I8/1YNAS=`VAP!-:HMZ,UZ9
M7`%JT*P9_76JK;Z9IFN`<]OH9D?"JHX@W&)H'?`PZ:A)XW)6]AA.7Z$UU6TZ
MQB6_>R&GA(5X.C[K6!%3IWX>1S[RW%L5;Q`L<SJO5V95*K-L3X8EH\F9V0F4
M\Z-;G/J0XMA;O/O@6&DB"DV/:Z\:31XUCU75@CA\K4;,#A#<>K[=6I'`6M[V
M'-D(*9%0DQ5%1%#36H[W3<Z0W,02:F=C.)XTE@/"-SENV>\.@Z$`$6IM5`"E
M+OF8RT"H^8EW35=J<FGJL[UA$_OJ$S7QH2_.0),4I)E'C<D3.=:C,QH3K+Z%
M4-12/KOX,"$:%F]'U:NHJ>A5V%:*ZW8*I:6QDY<IME!^D683<*N12Y#?C2..
M"[$$C/\`V??\;W&^M.I<96XVH5-KT*\8]9<58068[4YDJ"6=OCG1)"WW4B$#
MM:?&DQK]`J@6;8GQ=.%6?DQYR1$%,PX_'G5.-H0OZ=X&60R9Z2>M$]XO(D9_
M/^8V[SDQ;.@:5&ZP(4JZ=E4X0F/;VD`,\)MZ*<;F5R#R."EM$G4/1%HXWQ`O
M)EQ?Z=S3@.O5M-3@M@JI93EPKHQI\@S&$V.R-VIHT1B\:F(5SLUJ[%$_$KJF
M&TR^\;0GB&_L$RSGG3O2G/[-GIRC9N^K-5'",:<B4\8U4\'J[_\`&#M.+&*)
M6P>M4:/3+2>KUBE,$9D)YMHPV^^@I'G)DO?<+R><LEP/TWP$%&B-L54J]-A]
MK+\4FJYW.+(&$*R8'65)&M11Y^&+I3MBLXQLB;:"L#XQR7U2YS<CBE<Z)EGL
M.].?7</+[.$4<B+>;?"RAJ(%]T6+#K\H#8:M;(DJJC6K8D=594RQTP=,(.CF
MHSA1UA7YG7TNO<<%Y,SJ[ZD>O=4-C#X#/&8,T'T"L!'[8K;*#5V577*F[#(U
MZOS3T@&#*SG*&%42E18[4@LH:QV:N1U/>J$RS*C>L>8(ILG/YZ;63J;5Q`W.
MICEW2T"9F;S*J!`5RLC<XL%=*!K)4104?7T]0F-,XZ\],F+><<_*>XH.3]3!
M[ZA^O"`06O1,]X*@5KJW*U("6FZ!#5<E+<H+G[$!8Q5CB6`042K+P7$RH\EN
M0E$'[.+^QZ0ET,LE?/7C&?XS4Z<JB#G:S1Z4/SJKB'YIB1'&4H67IYZ$`ZM\
MDX_.BM%J"(>4N2MYYSL/B5K4E;J5AED'#>F7K2#C"8C&91B+(,@<(B>66R7&
MVKA*L.6HQ,F/;=M%A+NK`]R=EH$P-7U4"+!9:XRRVMM"TAR9)3_K1D5IST#F
M%D&6TY5:N0FD@+A/4=0EVL8\2!GJL188O[MQ[>_U\^I6@B(>C*)=8<%S'8O4
M=95]G@9><F*]ZK82J&]$ATN0#<=)!C+):L6ZZU>QC"X`E=RHHD#LP"QCCX&;
M'DZ2>0M<.2QU^,5D1W?OCK^+P.3(L7](_6DYVQJ(T,JMRTRB<@F]%T?3QTB,
MV>D7>791M?DC[E%?J@2UR=*L*RT$6J)%)J-2^R6W?E[]!>3-G4O5C.@E8V*J
MG(40P-VC3VM+L+81DI35#YH`51:[GR`Q`2==/C3-+"YD$=:*1YS$EPO&<GM<
MCN._8@3D_P#(SJYZFX+4BHDS7J:0'R@\P,699[>=!F#)]AKQ*45"6VPAY]JE
M"K1=!TN<]Q)DDS**+87\*WU,I0A(99G5OU>P^FE`9>I4Z16I8`:H(RV$MMT'
MCBX']0-!M`+<(8L21=V!0X`B/^/#+LS8\9U*W6D(=>>6X&6S2C_3[UZ#@XE8
M!T>:!K4+/ZYF;=>`WC0`P9ZKTUSKU+<G#AUIC1B-JILCORB3TA+AT>]Q+C$M
M#B$*2+R9OT^LN+M5>CU!BKD8PG.;(?MM2DQKI>6+'!.6XB:*W-^=;V[(FUGX
MEVF6*=TU$(3940LB2M$IMU/V\2)ED3B^EWKC$'PA'*,3E!X!!XDV&):!HY43
M)D\JS-($))#B5ME1"L2GU".@=7V)*'6*_&Y]!R(RN]5T7DR37CU?QG2A%-`7
MT#8+4%H`AL55!A?0]%?ACGHXB2"@V9QE-K;20OHH9-?;AV*3\QR&I];C,I#G
M?O\`!%)KT,"%ZD>O4%],Q&>-2R7Z9@`\8+62X&S<X9'UM_=^()FC%@G%"DM[
M7)+AQZ3(==DORU]2XXIK_K\#DRMM5](LZO\`.H7:WP=0!E:-4N59G!;-W=M%
MEKU`G9=+KE3AG!NC@!,4,B/D(:.\R6%GH_?QFY++3,QO\A8JDT640]3<)*TG
M^`$JJ9F`EW"P7Z5,=T#1>6\A;[8#,5:U&R=^;M:+R2D62IV&:)FI?(N-R!<E
M<5:>L?1'!.3-BSZQ8PP(N@5NMENL7Z?3"5@GNWB^/V!J5FY&*8SGE=L[]E<L
M5/C9\6AMR@C`F5"9%R$_)'0VI2N]#+,WOK?BJZ4&SQZD,RJC7Z?:*$(&S#=E
MFR(E8N<H5.LL/IF69>.2)Q(@#B2?SW9*R#,EA+S3Z'>??X&7ZD?.^IV*VF4+
M(6<=>[&7`A88*NGCFQ["3L-9C1"X8Z[-K%@E7MPQ6SI<G7H*R)&"_'G$D1&V
MI+KK7.HZ')FTK/K%B5+E5N94:C,K+U3&1`P?H.X78:C]3`>HTB$-*-QK&V@]
M"CN9N'YQN=R0CK<=QM7.MRI:7PRV7YX(/`'@#P!X`\`>`/`'@#P!X`\`>`5I
MK&AP\NJ3=M(.,M0&K-3@\U3T.?.5^)8K2)!2$Q8P[G7U3ULD.\C]5_TI>ZGK
MO_7Q7@J\G+PK^P'+BS;"&LTWJ(7)O@X-:KI#/H$,W;"U@DYHB&(!LN6?L-$J
M..V*LSY3LU^'$BQ"O_:\EZ)/9B"\694'^P#$R\)XL#`:L;!1&5D21P?15_@"
MJ\*J]!M=XM,YN63B$4@\TAZ@!C'>MQW)+$Z?\$=F2J/+^`.+/`Q_8IZT@RE:
M$SS5A;?L@P$6XOH:.R@1$L(VK38+9)B63C3Y1)B?=Q(^7"',SID*9,^K[3<=
MB5(8#BS6*_L9Q&&&>,6&J:Y3?D1`:`C[I5@58EVLL030I38`%)*VU@,T48":
MB`(O*GRX,1J*1^U3_P"1&FL1@X,BQWVW]<[[:<XN@O$+OJ-ACW2EUS+KI)I-
M>@M.1+K<:/3#5SIA.V&QTA0RBDM&$*FJ4S'E=7.YR$EY2)*F!>+^I<5Q]S:5
MG]TTFG6K/]08YFY3J)AX0%"'192I"<[J^D7O0XK,*P_M8E2S@1;X+93YXZ)S
MKTEI$*/+6OJ$"<6UX,6X^P%RJ_M$(P056Z)7JG9<'O&JTZV6V39(S^GZ`()N
M*)U:D<KXB8*E+ID5U@I8HJE/&9,$LB5%8ZW'>4X&%C/ZFD$^V%R,^G-L]E`U
M!K1NR5%V]M.5Y=D/5:MG1^>7HK5#5EC/'JIVZ5Q$P0%?(LAB@E@HT_Q,)[[.
M]_)\#C]V":;#[01,9U2!2[)72KE0(YU%L\F\CA,@D+J)TM?8%!`(N;S4]AZ$
M`,&S,.,UV)&ERN.NK<<2W&9>>;!1R4$"]](B2,,EH8<##J;+3)`5/KX.S%K"
M8F3P&OS!L*O"W5..PS1R+1F6(K;_`!M2W)RXRNI6XCZ"\?H7Y2O<G,[S?@V;
MP*SIHJPD22ZV8=.U2-#$4N\H7IJ>4&U$HQF:RW9G.9"<6E4'D\=UIF.Y^5Q$
MV&I\3BT=:^#$A5WSBA:5!'#-!I]>N8T44CFAX^R"XA>#'*14.M,R^1)C;K#B
MN-/K0I*TJ0M"NI5SO._3P,M>A-?`'@#P!X`\`>`/`'@#P!X!Y,QV(R5(CLM,
M(6Z_(6AEM#25/R7ER)+RDHXGBG9$AU2UJ[_E:U=5WZ][WO@'KX`\`>`/`'@#
MP!X`\`>`/`'@#P#GG6/9[+<7*3A%Y?/Q9D%[&VE<'!'B2)+>W:(9S6M3(G6'
M?N>A`3("5+.._3B18MO\ISZH[]/!4FS9A_8W);#$MO0EJ&3[!31E_.$Z.DD)
M;O#P'.[.?J):PQ*RLA^Q57B1JNN\@35I;8DLO,.?<E+R/J&&8U9]HO7VT5&F
M76'L.:Q0U[B2GZ^Y-O54;_)E"Q,4T>$\>;+NQ'"==@S6U3FVW%_!Q:>][]JT
M=4&&3].J9DNW0J`C0Z0N]$DSU#J<BTA%V>=P7"CDB7(@),[I*0J".E-R'>);
M[U#"OD[S[.=[P,/&?8KLQ[08@&-1QC^AU%\<V[=(=DM,:T5Q=8HY6C)K_2@6
MXDU%4)"F)+EEC-QXZT]<<<5]OTYWJ?N##)^-UK+#$ZWC!6CT4B1SZ&V0OD&'
M:P<B53![L1R>B=:6&YRG`,/L-E;ORRN-(XA"N][S[>_03#(FS[+>NTB.Y*:W
M7(E1F:PU=7GU:)4VVF:@].9&,V=Y;A5"6@3I&0VPF4KZ,J==0GBOJM/.BX?T
M,F1[%8%$&RC$K:LLCB8-?!6J:3=O=91`B5NT2TP:V;DRU$N,,CC\U:6H;JE<
M3)<5Q+?W=[SG@89!R7MOC@$7HQ^RGX-8K><+FM3+)8+#3Q02P/,1FY<!FMR9
M5D0_/Z=8<^Z"XIIN/(3Q74N_5*^)%XLV[7M7Z_);J3)/4Z:%.7$Y2JG`JTX\
M-=L8^X:!7IUGJU5.C1\F:X%+$Q8J5U'Y'6V5+C.(XYU7/IT3#!GVIP8<WGO1
M>G4>W2-2NHBC4>#4[A5S$VPDR-H@U(A+$L,E^**0*T2G<415&^5<=M"O^/5<
MXGH8984/7<I(&S]:@Z50YEBJA#]39@4:V@7BX`GP:6,J'F!Z)_90^8D4!GR.
MMNH2I+,&0KO/HP[]@89'BGL#CXV*P0:OM9-#>W-FAEBE>.AC(NK6!VOD;2ZU
M;B$.>N)7(\$`,<E25R5HZPRI"U\XA7%>!AE<2/=#UZ;N@NL1=.H$X%*SHYIA
M31&M"H[=)"`15R&T"(P\1=/)>GSR]KFN1$)C-N-LNQ^H=6EQQE"PXLGQ?V7]
M=*_([$.;UC8>5R1$B=CDM+IL)WDJ>+@&X,;J)!EM7'Y88M$EMH_^I<>9'<YS
MJ'VNK##^AA6?VE]<::'6?L6VYM!%(`5FU_D-6L41<<J]R-B:[6+(Q#&2)DV2
M!,&3T-EJ6VVJ/]9+:E+XA7%>!ALSH_L;B?&G>'--H50)1:^1MI`':+U2H!<9
M4AAB2$>M!!J-8IL6-7W)D;_C*Z]UI/%I2OJ'/N0D,,CEK]GZ'6B^3QX`JPW:
MI["DH]7M3I<VB$,P$P00HE8#Q6S6<G=PZQXD+6PTLA(D,1Y+:8\9:4]4]SC7
M0P?RW^W'KM3@8"P2=<STK`LJJK+%]#W>J2UO5BTWT5G7+M_R,--_Q$)8"G4S
M9G%=0U^*^A/W/-*;\#BR7]]A\#^0FUS:\I4Z%JD2]%VD:!57'!E,GQ1,Z!:9
MR$%5*B@)T(_`>9E+YQEUJ='6E74OM=6&&:@/[+XL6,OB%:!4AB)-EK-5IQ8G
M::W&$:64ME.K-V#ISR9^U6FT(D#;;#:3\'.J7(<2A'%?>WU889(P.[XE:7R4
M6M:_F)^4&EI@%XH:]U@E)&37#`ZO-19[$,F\[$??.F(<-M*^)ZY)EL-I^JGF
M^*##(,>]LL$K`JX3[#H==!DJ7$U$A/J!@X"%70D.R"=;!]O)`JV0*1IY,;R1
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M2"#?9LU\W+:AI9;^YWLMQ+/V_)WB?`PS13/8[!H0BK'UZW0Y0*ZZ/$R*KFA5
MB'FA)?2YWYGXM-8(AW9T-HRYR`[WJ'%HXGB>=5WG%)^H89EQ/8+""#(21!V?
M+9D:R*LB:_)C7VKO137:>TZ_:OUDELHIB;RNL,+<F=;4KD=M'5+^B>=[X&&:
ML9[.^N!N'+(A=ZQXQ!@.!V9LL5H]1(L17["1>$`F'W(99Y+;Y<G'6Q&1W_F\
MXGZ)YWP,/Z%Y^"#P!X`\`>`/`'@#P!X!$+Q1*QHP!=8MX]9,*LD&+*BHF3(*
MNSP!6&;%/?D07X\CG(Y*"TYU/W?:OB?M5SJ>]YT$\'.&B>F67W(?6(H)ZP48
MA6[;6;"R?KMDL\,ZS`!R,F_-'B2<0Y$DB9I(?B5=CIEI4M37(:^]0ODB2ET9
M<F;-?I;Z^)"BZ[`JQL*&&2)7780.\706@X(*5^B5FPU2SNQCJ7[%4;8,S(%T
MJ/EJ=8(2!Z'GN*=6ZIP3DS*1Z<X+%(_M1-:,`9KY[4SQ9P';K0/385;.;:L>
MA!CS;97J"-:+&HS#T>!WG(XU,=#4-+#'W-J#DSUL7I_A-EA08LRM%H4@.ZF8
M`,"+99AINNE&X>80&#`0G'*<?@E(\/'@+27>?7ZM1G4*XI$J4EX.3-J2]6\>
M*='OOB#C)(49=L0\U#MMEBF(YR1>J)H\LIR<T3XXN5-MN;BI#WW<4EQ#3C/>
M?$^\A899BZ!ZHX[IEB/6>TPK8LC:5-(L3(B^W``-,#G:Y$I]A!S1P8Q"BK`7
MBJBX$`Y#XGC!-@9$ZZGY&$.<!2:-S>_76A:)HU8U"PDKXBQ4JHVNJTZ(&O=C
M!UZK2;B.>"D[L!!#)L>$-T&.!F28,4LWSC[$:2OG.=6EI;8)M'F']:LM#46S
M9PB/:R54N@>PBKA!.7NX&7K-(MQPQ8K79"\P@9>DOVZPE3LA4DDE2)76>-1T
M*1'88:;#D\Y/;3/7#*]<M@*XW@:=($P0V.&_"@VZSAJ^=$0K#!MPP=::Z)*P
MPUDBB;8*BD8W);+BF9,=/T[\:G$+!-HADSTM]=)XQH1)I$M<)B$B#&2BUVQI
M^*A@+;@4.3%EM&D2HY`?"O!%<:2A:7V)+C;Z%)>896@7DS<`_5#&:]#6R+&6
M=DH^06<FVOM[N*KE/M#L+2(,BX2[1PTDLJU/IUDZ[V:EQ#J'I3:F_L_&C<:$
MY,Z/0GB$)1SJN\0E*>=6I2U]XGG.<ZI:N]4M7?I_GO>][WO@A^O`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P#%F3H0YCLHA,BP8W'8['9,R0U
M%8X]+D-1(C/7GUH;X[)E/H:;3]?JMQ:4\^O>\YX!E>`/`.3]_P#50-O5RJ]N
MGVXA6OX_F^OY_+%P1$(@P<>TNM)KU=L<QZ5(:6U.S-R61F#6TIZER007U2D=
M0GO@R4L%599Z$`<S+GB?;MRU/'LM_A3IDT%LG+*.MQ++:)E=SN8M+&B?P&-$
MNT*@1B4Z'VO+(](.N<X3[&XVP@'+)CV/T)18#M:4O6)J:`./Y><L6;2:Q.Z`
M.N9B"Q6NL+BQQ%V!!62%B#8XB#*>*CCC46`04B"S%?:[)=#D>>*^@X++-!H.
MD2=$[IA6KB(T6PDK.(L+),[;Z[/UEH!=A7\<T474!9X>&U:8'E?M`QY784-M
M$94)Q;RU@Y9\$9__`#>1F0JX%3NX]M]OLC<=,"RVJH7"=-@$1;\*37[I*GPM
MD&V=G00!""R0AS@1.OP!Y)AAR#!B,M?`L.1.17HRYROWZK6O82UI&V?,M:S<
M"7_AP<7;QZ]PO+6GZ):[H701F"+Z;EWQA$B&TD:*AL0U.QWVI2GEO>!R/4QZ
M866ZVQNSZ%K8`LA[1*SLA897<IZ!1-T^OU2AYZ[)CS"^@6N3$HLZC4&.C@9S
M\F0T5?5*_.6PVS"0'+'H:=?HN=%7B-?*5L`NKD`MEEWL0,?S@@8KU@O4JQV&
M=&L>H@%:7`$VN96:E:B`,3)%,UTFS&>:5+ES4PX;3`<B/Q_ZYV*X%"1*-L#X
MPU6`$BM@"=IH,&VC61Y;-[9EIUTH"CV2NH)RWZ[<I3T3[7X[,66VW]S;T;Y8
M[HO/ZG\C?UY%%$"DLUO):P)E005:AOD*J3=*QZ7`1?Q<\$[)?T&4(@R(M4T:
M4,"J#P`\(:F%#D2(A!_DI<H.1M*!Z!R<_(5&:)TX$PB(<R(UI"&L]L12;H#^
M%VZ19J#-'FKOK=T+4TU-BRNP3+R79\61'8C)A1AZ6>I<$<LF8<]%['*-$#]>
MVD<$)"R&I*S9<W+&3;=;#;8>U&PZ'$N*>7D6[?2J)NJ2N!93:Q#8],1KLAB<
MMZ4IX.1/"/IF((8*QA?\ZEL16[)=[(_8VZW`_(EO7:NW:OR67Q?)Z(ZOQ47-
M3GW]=[UW\=*>\YQ7>I#EYR81[T]7VS*NE7TV*!MT>Z#[O44G*3'/UN&?&.C7
M?QBU?C6:O2SX]P./DM_8Q,@R&77426W4JC\2L.1H:;Z!52E@JP`AWB9/C5F-
M)8;?GU4.N3.7*L?K!8G7I'6I+;*%?)ZSQF4I0CB4-$_M3SB8C25AR(8YZ`D>
M%G##?L!*E0*Z./MU&(9JA`C%J!,G8*E:WHBHK6CP:RBI1#=2Y+?C1AL$Q*>(
M2OG*J:Y%:C"\C:S_`$!CST.P9FMM*I;^AL[1,'+H$%1=S1V!'\87)Y9GK0XR
MW05T[ZM=#JAJ=_/_`/=]F]:^L7H<BPM*]1*M?<V'Y@9T>6)@DS_LQ,BSXT.'
M&GE9/LC$UF7,'#N<*,+4_4X^B/O-=94IR:R/[U7&DN+Z@12:>4:2C^D\ND$7
MW!]_KD<%:;5E6BZ0"A4&RRWSNC9/JW^T1]@K5FN>L72S`X%GE=Z@K%*RK`XJ
M;U<V*_%6Z\TL'(T47^OZ")`TZ$$U!Z,>H5_&Z;72\ZE0Y<!^U5X%C0NO(L(B
M+8!SY8'%FXU$=DQVYD9Y]B4IEM^.III[@<C4)_KM;;:GMHU][JKG%L`;3UJH
M,1/#%=NI_-;C=(U";9L[7,[,2[5G25C)?>E6Q<&9\/6)+\6-+0+S*JR;T_U_
MNJYA8+P&F!JIG>@4J'!F/1<\!%RF-8AC[02DUV\CJC?KZV:*V#8Q%4.QY420
MVGO\4=6]%&-N18CDP')8\'3ASTE$&YVB3UW^='?T`TZ8<6FM07'!/R6GV0LZ
M8K#RB25R6VW/8F0SSJOL_P`#$J^GUD+XW2<B*V;T559)8.+'U_CE4#Z"8OEC
MHIJHSC%:/'B>B@]':X2#"-`K0>;*D0AR0TY1F*8X\(?_`/:(@2%*D.`I8_B9
M=2]&R`E(6+:=@DVD4-K[X7L+^*3D2QC;=<]DJ6`%54]9;Q<#4"JU*G>QKP\?
M')O&22&P<7Y2#J7'4<#D:@5Z+W6$Q?%3MT"D"6JY99,7O\IK'DP(?:).S*HY
MW5G*9#_V/+F5FSU]=3_-F2I$LG%+_E=:7%9_'BN,AR7T,^-ZBHG:A$.W;<*Z
M87`-VLJ-I8*DPJX7CF])GE+S=/N)SKQ8R+JWR,N5(#\1%:>'#FD_(N8XVN4H
M.1GU;T6'UG"P&,1;Q#CR1%[KEI*7`?7K6[/M0H!0(.2<C'(]KT^W3VK-)S>`
MW#:G0YT4;!DQXRV!B8['8K@<O.2K'/ZU),BL5JGN;6J(!%0VTGH$&KWR5&L)
MX<$55!EU5$L^WV2'RVD:C&'#2CI!LK%Y$$16A$<.CY^/B\_.2S[KZ*M6&,^[
M6=*:JEBX2LA<!:D4Z4X9I!FQS*&^W;J7,KMUJ4P7=*Y'H_&H,E]V6/>9F.QY
MT&9#6[&=$Y'?Z$]2A*>K4OJ4I3U:OMXI?><YSJU<0E*.*5W_`#WZ<YS_`.SG
M@Q/UX`\`>`/`'@#P!X`\`>`/`'@%%[#[(9'@\4W.T^P30$6OTE_0B#S%?/&.
M=J\6UUVDRI<-`<=.<GRHMCMHUAR,SQ<A/)C:^H^SO5<%2;]#6C/:/'#%RTW/
MQUB5(MV5#Y!`V$6PW$(G.0.6GAF-28$U^-.MSP!^H3&IJXC2X\=[B4=<ZK[N
M(#B_4GU(UFB7_C+((Y#;,2'+=\-8)2X,.TN0:3=3&?G#2*_V6X14";LP-YEN
M7Q'65?5'UZE2OMX&&B/:?[#8]CQ(6$OUZKP,^6_CTF-7Y1@5%,H`V*]5S.FK
M=(@SIT-QBI";-:HB)\[O_5%:ZM??KQM7.`DV3`;I-)*%FPL>Q"&R$^=R%76)
M!,<RJX_2JA;F[-IJ>R^N68=&`'F'G7HJ7$M\^[O?^*?NZ&#RM.J9I1SP"KW.
M^U&J6"TC;&9KHFQ'QH:89%5%J`_9R$!LA(C_`#Q`+!2.N4OG?M:0[SJOISZ]
MX)AF-W7,Y6[WD&WUXM#C3"D$Z7#FQ!(-4GA%=E6J;VWDXTY<:MMH"1%/<[*Z
MC_BI*N_1/?N\%PS`/[MBE6<K;-BUK.0[]Q<JS=3CSKE7VI-DY>"C(6GO@X_9
M_7R<.RE9"&(3[*5LON=^B5=_SX&&;V/I^:S%#T1-#HTI9<].JPI$>V@'U$[.
M+>;CDZX/2T05V:>'/O(0_#;^Z0RM?.+1SO><\$PS;&+4($5<M</E66#"!1`P
MZL%QLJ_+C#&7GI+8YN.YU$R3WX%(2A*O^3G/M^O.^`98>P@+"DBH`<#G$ART
MP"74')PB:19P=UOA`,1["??Y!+0.NI^:.[]KS7W<^Y//KSP"$_[FR^,Y^*;O
M%6JA-4XQ!:"VVP@ZZ:?X&M4NFN3F!9(BS,=&SSD3XXC_`!/VR..M?;_R<2GP
M7#-TWI.=NR9D)J_4MR8./Q*F0B-VD&N3!M)#YOP*U,83.Z[%/S?QW/AAKXF2
MY]BOM1W[>_03#,#_`&YE'X+!3_9V>?K)00K9HQ'^:5O\&16P,W@TY8&)?[+\
M=T(&(JXQ+EI5UB.]W['%I5_CP7#,F!I-*FPBY%VP"Q4(&1(CB$@T1'C&6^#F
MILI1#CDB7QO@J8.'/RX\A74H>AM*>Y_UI[W@89+!908;&P#(4C!+B"L..0%E
M1<N//&DH$QI#\2=`G1''8LR'*8<2MMUM2D+0KG4][SO@AJ'+G3VF7I#MKK3;
M$>)'GOON'1:&6(,OA-46:\XJ5Q#<22D)-ZVXKO$+Y$>^G>_$O[0-B,.!30>'
M80Y<66`$8+10><&$(D\/.&/L\D,D89.*Z["E07F.\6EY"U-J1_GG?I_GP",@
MM1S.T/+CUK1*+8GV^1E.,`K<`+O(3-)/!H?5MCR$A:>2S$=R(U]>?]DE"FD_
M5?.IX&&:TAM&0BC0"MD=0H$2P6DT'KE>"NVX%PH8.V$.4L%?%0H/)W9+LTZ%
M"RI,)'V_64TPKK7W_P"/J+AF;I^GTG'J4<OU_.CP-?!#R$U:YDZ!#DE'X`V:
M5X%!LD)<-!0^0C#W>18;:_FD+3]J>>`EGT,.+L.:N1'91*Y5VM.QF>2IHRU'
M`X`L/@O66741Y$@.GSVWX8XQ8(:HT)YSB6Y+W4H1WJ^_;X&&;\G?:,$:BOF;
MI4Q#$Z</&0GB=B#P&IA(M+FP!0Z*Y+F-(D3B<\9)8CLH[UQYZ.XA'.J;5S@A
M"FM\R1R\6K/U7JM,&Z8Q2^6%^0?!LB8!J_';A7*W3W9ZR7$M7243I$Q/1;B4
M2OHMG[4JZY]."X99-@L5?J8B;8;2=#UH`-;0Z1.6`G"#"(#3CJ&$.321%^-"
MBMK>=2CG7%IYU2N<_P#/>>"&JC7ZB3#$FO0[K4I9^&W">F`XUC#OF(C1*.],
M'.R1C4Q4UAN?$CN.LJ4CG'6VU*3]4I[W@&KDZUE4..5ES--SZ+%!2Q<`Y)DW
M.N,1PTXW$Z0"PBKSI)+8Z67@<^>*V]U"Y#/_`#;XI/\`GP7#)./LE>+$S844
M>"DS%:=A1[&)'E(,TF`?(Q>31[)N!&?<E"G9\+OS,I?0WUUK_FGG4_Y\$*O@
M^P&7S=,OV5+L@P=8\X_B<>Q/%CE9'0NF;@"G6D=71\>0=2>DF(M8AI(2.*A-
MQ^1GT=;=<4E]+(N'C)(']GQZ-%%S9.KYK'A'!?[L++?O57:BF`OY:H'[<7(<
M*):("_SD]9_(:ZMKY>=1]WW?X\##+*\$.._=&CW2[T?-DT5BRS#%2V:J7S\.
MN#PA7CZJF#M9,0HV./!S4*6'CV9N`YU/&VW>2$M*0XA7.=\&4?\`N.589'W<
M?M8&E*M^Z(40G9<'NEGD9IG#`4+FY9C`WK%?*U9E9TW6W-6>L]@N<(C`XB4T
M*%QW7NC640H$J0+]OZ%ZX4CVR(Y!JX>]V>V\T^5GE3+YS;;Q5J6+DB]%/YQV
M09&('`:T&`20=?O,9OCD=^(ZZU\SK:G5IZCC8CXY\>AS%.U'WWMAJON#:OM&
M<.7D"DL4$/4:KF(V?UZ^EF[$";@OOYI-JPJ]9@!EM`2+)(Z6G/DHTIYT6B)V
M/)<&6(F?8[%[K4LG:A5"$Z<VH+8M(DU4`+RNJ2Z*?RMLCLQTI>R9J-44(?VP
MG;H(5`\:W+8>+Q9K3[8U_P#-E2FA/M.@\#T7V#M&\$%WL3J3F96<+K<RL#K%
MG$O.!6<C0&VVN'G\JTN&:3!7:#.A9N\*6-8:,L%Q$:&[^R$]5*_,0(TL?J<Q
M5.V>U>/<OD2N5C?C%(@7;V))DJ_(QJ$4EB;?;+G[6&LRA92@?5VR=OHEAG/U
M$A*(J>)1H;LF&J7+BM2"++,,O#^A+19+W#M=KCBIR=.ARXM[2%G;&UF-;!R0
M]*N^D8'_`"*O4,/=<WCKK35/H,8U#($$_P`@%&)$?]M%FK<:[#'TGVD*=N_]
MAB(=U(6$U?1*ZS4J:Z*IX3'C1>PZ9"A0\NE/)KMFJ^)VRI4'0KB9Y:1I*7(D
M%VQJI4=]82!`BHG>"XB=84:Y^RA'%?;!Z4)T%_4JY(TR;C1JPU2`"_=3)M5E
MF:16:?2BM5`)[VB$%Q@K[SCIX2<(QUS8A22Q)ZQ&&/VY7T*)L%J]P]"_VW9A
M(W6&*/\`.>!Y[F=GR2KAQUQJ5ED^P863)M-;M5/3=G5P182JNPX\A^$I+<MK
MLQAW\IUOR%^U8)W@TOV'JFU5JJ6HIN=OI!.[>QD0^-MU5<'@:/'<N]VM.=VO
ME][FT6L6C.Y5+2$"A0T`W#GB9LCBD,SHWY;8NAX:]LFCNXKVU?NFNQJ5)T2H
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MY"KTP3`*P(L[D+CRN2G)LH9?:0>R:%[B6BXVB.!YH-EU;*XDK0/XF2HU=B5W
M,[):('M]GO7\S)C:HJ5<JT_10XE(E<K^0-RBB6><_(E2)<1(?;C_`!^AV;<K
M=N58]6LN/'KI?4&EVF3W5K_1L[7_`+/$9PW$OY"N3X=#OF<"9SI]J?#K<`ZZ
M[4XCBHCD^:F%":^JHXQ6,G$L21[8V3'K`P,#ZM/>VF@LVL0,K^>@9E,U$CJ-
M6()W$IHYC@60W2YD*HN#YE4CQ2(:/,+/K88Y._YQVH9?:F2XI:/;J;6J]G(*
MO^P]@H\UHE7H)N^YK`"G+I0CV>`:];Z[H%;$94-35"E)NCAA0HC-(5K\P:J'
M^&R7^UU_KR,13]CI?=J7JL!KU?T&CC+N\<QG-[%+)!@%<"V5$>7*8R44<CR`
M1"OFB\JSKI+1^./9&N,3GG/E9:XXM?&U"+'DJ(A>?>\D.M>@5UG8(S$JU6$%
M6*)-S&C#I([+IHW:+$F\Q*^:K#)^1I8>(!K<</$(S>17)KS$.5#==F.^48CZ
M,U!-/L@'O=B.4\Q[-VZHSK0'FJNEZRJ!,T"D8X?IWJD*LY3+`Q#*`\H==WU0
M[LY+!,"Y$SLV!\[@Q<GL=,D7Q^G^,EW^N9CV_(7RH&]:G:&]53!>PU@A7+)3
M*77Q4"D#\?H]FI-],-A:[`.B]!L=SD3(Y5M4W\"-/=E06X3'X[?&X1\<>"O7
M"7MI5-:L0@,8W\L%F^PIXE6HQ6E"K+2"0H[J&9IEU@W:Y5,[_&<;`X86*3!,
MF-/C<:+(EL]F.D(C$!5'VX_D3GVKT/VX#:ZT$P"K:*H/!H<]4F9!K0BSU$]P
MA2].+S3811&C.!!MZIY^NAX\"*3LS:RA";%C)$N0WI,E0B2QY*;_`([[+ASU
MSL.9-;!?JMH^OTXS'#[+F]:&?L&ZA6_3=@)H-D$%*#3K'7CTDB!L<64^^U#9
MC,#5NLQ6)$5J3X,O'O\`3_Q-6#O7]E4?-X;L/E@M=VN54NQ=OAG,60CN67?-
MZ)`MS]/.N63.L\8.,:M?BLD('D0X$T6S$BMM1ITOXES7Q'QS^AT:;/\`M5`]
M.!)8(;L-DU67>Q<<O8FJ+9A&B!\B(:?V(2E_Q$QBT:R3[M7*$YQEZ2Q052)2
M6US(PUUSK?5B>.7GT.30N`>Q\'3UZX4AVG0-"F6"<=?<.T6I0\Y,6<HK^O09
MVP,"3-%'V^MC'8=:M"HGSRF)X:.%D\1\*F'D+GDRRL8_Q[D@)V+W86Q2BM'D
MZM`)V.M9>,UG1=&Q!F/;:KH;3&^DSE4@UZFXP>+V'(P6AJ`-+X-'38'!LOG6
M33,>9((I#[?<M889]P15JID?0K-N+N=VBQQ35Z-TS+Z48LM1*R;9N(^N40(-
M"4`N1B9;,%UJJ_MYJX1$E#1)8??G1V)\M]MY)]OMZE-A;3[[U^O'G"+5QK<&
MD`\O9!X[2,?++GW`%`KF>2H5<S^U@L4L5&SLV>E_OH)AZ7.-1A\KX&),<!!:
MY.Y2_:?;)M2EMH6MM32E(2I32^HZIM2D\[UM74*6CJD=[].]YWO/K_X[X/,_
M?@#P!X`\`>`/`'@#P!X`\`>`<Q;[ZV#MYMN.&BYW@^OY^6N#=WK?1W)B-#I5
MJKO/MJ;DOLMA(E,'0Z]7#GS*:D\7^GZS]B>N\<0*G@Y5&_USSVJ#``G-/"G[
MTO/Z]6;+H<FAI;)GK.R-]GT7*S<1TZ]+A1+4;]CER/P^25\9:'J;4MSY_N;A
MER\EEY)Z4KS/V#F;3/M$"V,2I%J-CV)"[@+)U4]8)MPB]C!1T.T*J!$')K5M
M6A_\Z"[(;G<=>:5_W(_'I'+Q@LW<?6Y[8-)SVX=GU%H+7&:S%LHVP591LH0B
MU#<,DVD4R&G?FL18S4V5FKL&0W(:>0GDQ#[?_)I2'`3P4CD/HY9<@T/-KD#O
M]:^ZID7T64O%K1>)8#]&[EE%H/<Q8'NV&956Z[-.42&7Y,<BJ(CEQD,1'$-.
M/\6*Y9\%T>SGK0][!3*<ZV4JT&&&!7BIGXMFK"[#^=7[K.HY>4H7U$Z&B/+1
M,H3$=UMY+C#\.8_Q7.*2CBABG@XMT/T-U6TZ`:;)7E)QG3B96<]<Q0HH*&TH
M;1W]9L=-1:X:KS'[Q=CGZ@.`*&UB*,8_6C)<KKB7WUKX,E+"+5">B=CK8J57
M09C+H@$E=<EU5SLZMV^Q6P#=:'/IC5AK86\V"TD#DRAE!E<ES17Y?UF"3$]U
M7/DBJXPV')%<E?0BW4;.=!L(TE6K9J8S%IF>8[#SR@0:ZH'?*V.Q09C>F1DV
M"SN18=IAV''H).Q._DLLNQ^-,(7\4'BGPY>?T.^"F%QY/K'/]=!)9D0U*QN1
ME4:P?@<EMQGI%4577#[P_CL7\QUR2M4IU'7$*=6I7U5SO>]\&.?.3%]<L:/8
MF&O@`@<"R:Z>T4_;*14:Y"*M!*`"-MQ'IH2"0L!(L?(?M["F86=0\^J/`=GJ
MB0TMQ&64)!O)S$6_KU%'"FA&"ECJ9$C=+#HQJ!/(4"+.G@FKR$]M!<6&U-DD
MG)#G`\OV;1(^J%-)<6+=^B4*E?<U#+E_C_(JZ@_U[6BTP2I'3B]4I<E4_P!@
MJZ!'U2G,(L#0'1C7M+"#Z`?,\L$V'.T6*QNS1&!,92TIAI$CB^(?G.\CT<DO
M0V:/Z[;5"#)A!#^<`YI2I/#[\N,_L$]O0;4*MW+9GQF5-,WXB4JO,]LC+5@%
MR!CC<M@HER*OKT!]U"@Y&XMG]<9FWQ"'"^SM2BAD#9I]EG-4O]*U;-;3;))[
M/=#*1P-A@=&Q@06XVX5/@P5LJD1CS?8[\;\-"5AR.T?7*A6G+J`[GU@"U4(*
MK)R6Q3FZL<M=A01"E8(VPG"Y6?<IY,VV0G:`8-?$PM]SC4!$?_*>JZV@8MY>
M3AFZ_P!9"[<=T@BWK3(L5>9.BN0PT6IRF$B1\J0^7PT`Y,A6:)(>#Y`?O5[<
M4EGL9V?&M?6VE1%1N..C)3.[<XQY%(PAO(D?JQTB2#N<4@Z+EV0V):-WHD?.
M')T63;BI.Q38[IJPOO\`VR)/U_Y=0CC3?$-H&+?G)Q\U_7W*K$FN'L[M-!`V
M&G&:O8@L9>>*@5\D0J0?U(%C8!UH`9'S5"U*]:9;G.M*^1E1IOJ?K^,O\@9<
MO\O_`#/7'_1>[90<H,]F\9X0$T<]CMDF`FZ:?1!MMNI>:6'++UI"D%+08>IM
MOL-9.L-PHPUWHM"A49V0TY(6\\H'+)>_MCZW'/800#BUX_3@\\=7=0ILIF_5
M&3=:]P+J]0[5"A\>(BF0BFKC6N,MNCGEN]:ZT[)87Q/'_O2)&6#F<E_7[>F9
M)]ZJ:)2@SY*4NQ0"[P&W.D8^E-Z"1M-2U5V&U:DBFK/EE=*2A,.(TWP99H<M
M3!IEYIF/]@O)&/;/0;9+(&LE;3M5$C5\F,Y3H8YNA6B`HA5&S6\6&`9M<X+?
M!I";8PY?:_E1`@NP0\W]>I$IMQF1\30<EZX-&;_K..'SL<B8O%#*!0OX]9A5
M^+7+K4)%WHLJ?NKIV=J%IJ%X&'#-_?A;:XEJ5&ZS&4[$DJ6CG22NQ`YGT(]@
MLWMVJYP_3Z7:X53)/'JV1FNDHI-\<=!B2T><6K$Z:")![*%8,QFOL_-&2XTY
ME2>?8YSBE?48IX9\YK9_7K::;CPX'1;+&.:C'Z.KP6WUVG01)(<6L$CUEJ3]
MX*S"EE6_P-5:9C!9,E"Y$J5V`6^%GCCC*4OC-3^OH6,,_KH8B6:&])L="72J
M@_ID*C`6L\Z\0F@=&'[:Y%7H$R>:E0S]BH1776V!,IIAKB8,&0KO$O3U?CB<
MR[/5KU)YZZ6>_GI9Z);9=G:[%&61<NXMGW!9&SV"[$A!P03LI6HM,";%8WT#
MWX$2.^N)]./]ZKZ_41RR1[8_2.)K5WTNY.V8`-?OH6UCX?Y5*C%Y8:?8,CK6
M819S\IPC&618C_H75R6N=87)'S'H?'&TK4YT%+!6J?Z[>&%V4Y;;!G+]IN)<
MU82+0K-6^URM33=6]H0#@6H1BA:5.B`(4[V&8G\XM:7'YP^4_P!XA<[G(XO,
M^D56#N5VL5RONROSG00$0'=F_8IO\QP8/CPEROC6XZM'Y"F.K^G5*[SZ_3O>
M_P#GP8%,>Q^QV+&*K52M8I3EU)6^]C:)]B30H,U6FBP2PD^VR4@JZRDS%$.!
M4_?!96B1(2YW[%<[S_(J63FZE^_'28.K"CN):4O390"D\L`&#*SB/`;MU_CY
M,W1A<8@[?G82&[N_L`V2WU+CK8J(Q-[,6VN.A+XR<?\`(E3/OSG!`+5IP:BZ
M,2.7:YR,TK-4[&J\$G+T6-`S5^15IDZ99FPH[L0EI;,1^8J2J(A8Z8XE:VDL
M+?$XLQ_73W,?VN]6&N$\]M53"G3!7N9ES;=7:[';K.3XU<;92K5##6LZ03:0
MIC092^S&FNBWF4?"T^M;7%.@XX*MI/\`9,(8`8[6-,RR_P`/;+Y1<WMQ.KAF
MJ>]&F`KX.I\(9?PW(EO()_0&;=;6V.#$N/%QL5B4_*92S&ZXZ*X_3T,BN_V3
MQFHM77I^#7.C$+EV@.U\8$ME)O<N:-LV=9U?;64;C"2D69(33>:<*91$C-R"
M)5N1\D=C[FWVF@<?HRR=1]R"XKUX#Z=GN4W*9>='R33=4H%5)O4EY\%4*)66
M3O;U</BN38=\8RR:$O\`14&=(+2$SN,H:XZA[C0BCEX9@/\`OW7G;R0JP3/)
M98#625X9N=[5HV80:J)"UJI'K$`/C3#MH6%*QK.0K4R`XA<N.H6\VGLGO/N^
MW@<?!-R_NSGH7$Z+M\RO'FP]QLA^MOUITI48EL%/4PZ?KMXF0A<RP1U6YBNS
MZU*7]@KLEU^+]C_VH;5WJ0XO."I+U[_R$46Y+H6,:&G18V=7#3:D,.NYZY"7
MFM=CEX:M6*<C7SXOTD4\,XVL+\R#S[3K2T1N<6KK8JC]?0MG1/;J#F6JVV@3
MZ9:[A&KT,$9)2ZR/K(V/3JT\BG1S1TR4L5\A/V;G)]\@=8BCQS<I*$/)XA[[
M>+Z(HY62B<T_L`,P\R#V/5\JO1.Q%+0NG29%35FJ`C6IVQ#]VI.."$+OJ'GG
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MB@+W?P.DCS-S!XF3H(.RZ4*`7@S%B9/7#YFZ3Q]6F7H[-JX6U+MUW7G)"\0(
M9PDU&DIZ^MU3#K[?Q+?%XOT,<Y[U87HA2GY5IF`W(M_L`Q22@BK7>N9O<1LN
MEVY5`>IVF<"M66PHG1V)6F">R(+3#A<;Q$YY3/Q0E..!Q:\IEOV?W2KM,TXE
MFTW)M%2$`VIBHS=$9E9Y&IT;D<OBM;,%6X<FZQK.D.!-^P58CK[T>E;B7)KC
M:.MP^J=$XY62+5W^PK/K&7B#8F?7?L&/9!X*WVJ*9S8A3J?"L%CS:L5.Q/V&
M)=UQ;"%/S]:"K^87R6U%C_ENNKXB-SKP<6:N/_9!FSPHV>3G&B2P5%F">:J;
M#S*`:$Y^"LYH.'IUJ_-A7)3=U!6%)CDGBP7"#C#$9]2D=^C7S!Q9AB?['JY8
MX4"56,$V,^J3V#&E\C3LKAPX)0Y&OI*M0&BA70X$$VT7"YR1D+ECU2HD1Q*8
M[KG)''&FPX_JCS:_LURHO)*M4[-=5N4>#)-K@SQ4:G0H1()3J]HMBOA=Q\U;
M1J1$FL1\M*-I&R_B)$.KBN1F5L/J=:#@_<Z\P?6">S4PQ;R5*E49$'2-1I`N
M!,."#SA@1GE^/TF%:>/AW'&AZ;!P&I_L-[Z/Q5]4CO5IXEQ8C\'$T+W$UW.M
M'.1MHAU.W9D(LVI54F:RRC2ZC,I$2DZ/B%$#W*U<N&MVJ78(9"3KR4/0Q$;L
MEI$=QY+;G$\1X,N*QX]2Z*G[R4"ZX)8][#U.S1!`2Q"ZZ.KUA*TL`1M4BP"*
MS9*^Y6B\RS=K15\B`M<;JHC,MR:R19DP.M=DQU)Z)Q\X(J._L%JUBX+54L8U
MFP)N,Y8[,N\DYL([?'QOZ'EG?0DO?8G:M`K/;3`^9TK^*J1][OXR'?A[]P<3
M>SO?C+6Z!'T$97+7-@$A5H+`QY.54:S,--U,M01LX?!<.V6+$?.3&M!COQ(3
M:W),A$60E*/N2GB@XLK^K^][ZNV(L4J!>X@%6^LP@4*K#@`,^)J5XNVL#@!F
M<U8[NP_:I8BF9T^3,0X$-MX9!&3)BEOM=ZB-"\3R"?V$0]9BU%.-YG=W7)NC
M82.NQJQ-5+@*I9SL&I4FK`K!\L>W??89%N`GIC+2!/Y[P0G$?:GMMJC]0Y1Q
MQZEGV3W>K59O<RB2\HTU^2[?#6>U0TR[0VPUO+T\I5!]^(PUR;FQ.$`J?'N<
M.4X]/8CO3&6I7(K+SK*6W1./C)$Q?]A-+NF22-&S;/K78K$Y:Z.&K^?')P2M
M3;17;M9<O&,6\1:>2RU25#'A=5@OR(RI?)3!%B0/<0AYEQ7`XX>&;T/[\YL7
MOH7.F:A<'S=HUEK'JL0#S:59*T=L<P-.MP^1&L(*U31_(#M"K%C,O.?<I+#%
M;EQ^]5,>A1Y0<3NSP8CP!X`\`>`/`'@#P!X!S1[;7S3<XQ@C9<HA=>L?+11A
M),LD>Z574:>;M@D7;[F@<T$LW7^UL#)>D=6L=.8BI3V0^PXRTXGHL<-^3YZE
M-[]U)Y2`LZ3)5(/4K#0YPL]0L;.D:MKSQ;&;ZN^A);EC"2S35*KGL"V(K@YW
M\0/.G1I<>;U7VK^5L9X1X7/VP]D*5;QU-L-PL=9!+YF56O6DF,)D3I%:L!4U
MD#!:R4^MB*F\$_77:%>C"!S4LF=D,_J7)"X3#,&3^2)A>I_!V^>V%W=K$;0*
MA<WYL`YE=PNN:U?'[&#GU8-4;Q@%EJ]L"6"2II)LIKBR1YJ4`D3'$0>,KB+Y
M&4*(.OB\48U5W7VCNQ>O'C1.ZD`?'IL*MU%[+BT,5;I@W5O5&RQ+$=)P*/1B
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M7;'"7!)%O0Q4X!)AIC,C5RV7^\1V9U:^A)+V_P`>2M;-O_M[*A`:G(L^AU<Q
M+Q.N7?1;:+PWC3]5+3!-)TXH?I8-%(L<+]&*@%R%5?:)E9$]^4.F-M#?R(RI
MBH7")U*M'LIOOK[[,5Z_O_H93NAT&J!`-<J$^5<*^#?V?HBZ5TL%,4P:&-U,
MSFD0=*;>XZ75)CD)[SK_`"&N(VFD\)IHF.);+[0W?7:'4#$DA!H[L^25T^0O
M%9M;8HEG&"[^HQZ]##!1B/`DA:_T2!?;/H3+?E(FJ2U(4F2Q^,#2P5M>M]]Y
MJU.;ABDCW(-IMDJ5%M=GR\P#K.>,<NWLC7*;22\D+6K@0F@+4C-JFB>0<B+G
M?:6<5'?A](C^QP2B6;C&M>R=YWFJQM*-VJD4M%EWNJ5VOLY*^%K^H4^&)J)7
M$]$L94J-)S`!ZSBHYZ>B(B6.2PL6N*ZPA;O$.@TDO'J5&%]L?<XA9*W-(T^/
M%JHUO1Q1<0.HQ>6;T2UX7,)9GLU=J#<0*<CNV27=*.9-T^&^0"LSX\V&AZ1(
MC(>^@8B7MZJ;%MNJV&:+V0F332G@QJJ5E3.:6(*G22\^SZ1)199=U74:3T:P
M)H-0:9:7&%AX,MU]+S:UK?B<="22]#G/-`NR8%9[#>J.,UR77H<&1"LV?30%
MSU`S>AO?9?VI!BVZZ6OQTB8&%JKG@X&\,CQ)#,>6T["5+ZJ,ZWU0KPUCW_\`
MP+#QS7O8F^KOI.\6.UE!O<#W"-1ZG_KDD+KU_/5*QH=#VQ!UNAT$T_8_TMAB
MC^,PFA<8@RGCT1ESJ5R>B-+V^IZM:EL%IP;51MK(V^OG,ZV7U@?&W&I9D?*`
M*E29&P9L0)P`(&<"_F-ELV:U<5(>M\<C^YBL+7^5R0^/?_%8#"R5\*]H?=DA
M*+.GXT:H54:*I[!(SS);5.NC>6&#N<PG?9^MT'^'RFI<Y8TT:>*!9!%]L*EA
MM2A2OP929(N(_P`_\>":=]P=P":!HBG!]W-9)6VI#,8\6Q:U23\0G#JNT!JX
MID95*&.;=@Z;<:U5BHUAIXQ+5",1NN_@((-1&1.*Q^IHXWL][BSK95ZO#B0&
ME3=,CQ[!<C=`L8C,8Z)Z:8_5L9CR&*"6M(VS2P<PWVP*D\<XP7B15P2R(DGD
M1`<8EHW[V1]AJ;NUJ%_@$W,]KNA5^!:@*,CL9.#2,3:L^(L_[9@7<9">5:9M
MP&6FT-/Q6%2N06X*G&V&E"9RY`))HV^7:M[4Z!A]]OA:81JUN*W?!:A0A$S&
M9@Z36*U<$8[(OEU=KAQ<4R:((8T`O][<Q+,02H5Q+S75,RN*@:CG'L<^%MY]
MV#KMM"ES\[,1M+#U61)/"\OGR;O9*N!T:D03^L@*Y(H)T'(Z4809AFX*9WPQ
M1R.NQ8*5]0\Y1B/\SH72K][)@]NT=K-XDV+4*](!VCX^Y\4/,:=V)!]9@S=9
M_?3Y+L$'#DP[K9.NO"F67T+@\<[WZQ)7R@DL>2H4>S'L_P`'@)0X[8C=RE5T
M"3D9[+]<[$.AS]/+V.6-VC'WRJ13#U<&>MM2:CF(,U^4MXZJ1U2I<YCG&O`P
MC7VG;?>BB5N6]*./VA$\RT`(6J7BW\79ST+`CX45FW_B!82WMRVIT_43`M:9
M`Z=&C1!2'OC^^$1D.BXB2K9=4]F<]TZ);J'$E6S4K!ZO8/U.1`<RN9W,M.NL
M4C["DM$<"WR4.BR:C_`^3X9!J(Z[!(3F'(<>2VXM]A"!$DUCVR1J%O\`[TIJ
M!"Y@T#M(=!5&/(JM:#9>;=CZ40LZ/9-4&19#4BKT@H,LU0>SRML2H`L;#B_+
M)^Q?RJG,];%Q'."NR<WVELKUHUW^3ER]TEX4]7,_NM&SF:256F(0/WKL`^PA
MTSZ15..:#-FU&J1#0]P2H2]-?@J;BJ=_6K;@\>GZ_P#@;F[^POMF;`[")G6*
M0$SQZ9:J;%MP3'K/:=&!@^4S5'LHMD&F#J$/AS`_L$@'7G''VY$]V&0+]BQ4
M#U/,\B@E$^O.1,3XV49A&*,S(Y./GE*8(QR"7T3V)[5;&MRV9R)7>R43&I"5
M)=XY_P!G%\[]W^?KY3S?J?O2:3GU\`11&DP8,T%".AC<+LXK,"?B'A<KCPF5
M%)P)XV9'D?*I374(>XF0RXXRXE;3BT*%3:]"MRV">N,I$^`0J=6AO6^/5P3C
MD4Y."%YJJK%IKE-;"$QIB"7'F:^Q0@CPZ1`=9FQE#F'FG$K3]_0RRK[MZA^M
MGX3\*K`J#0;S^IK=8JQ4M*L12)7'F9E-;$31-4A:!47HEO)MY^)9;,#Y<`](
M>&Q7.S'%QT>"\G[^A)?7'&?7;,Z9G(+-"=5MI"E,V2O#+C#-09Y8U90(>N9Q
MHTWZ0"#\=11AFE0(!%EOB_P_Q&VU_17.J4(VV_)EU7UM]6<]G`>5&O!:J7JE
MC@P0SPR_VB":A$%"0;8R@ORTVM)*=5/TU?']CU.2MT+QF*RM$'Z)3WP,MF)%
M]?O5^FFJY^!6Y%;G5X*/L02P0+IHHP<#"4F.-KX^+)M4>SLCH,!\,7B0NC9,
MGC1@3`98<9DPQ;*(HN62>[XCZVW"FUS/+G7JD]3\SKB/T8+^23`3-<I3X=8!
MV'+?%&QLYRDE0L?\>5%F..#9S3*>/H<^)/4B)M>A3IK#O3`1>!F03J!$29ME
M;.:<I+5GL\82!JM<^>I1G'2CMOBJKM;;?T&1'""H'VCXK_U>C,,+BLNMBYD6
MB7]?_6`S4*Y23`&NR:Q3+';8@B,[=CK4MJR78G+)7P*8.MV5LY8)-Q,%W)!D
M<2DRD$I+B7)33BTM]2)E^I`MES+TZ@@<^:T*@=L`ZYRX&?4"!0@.EW$I9HK`
M"ZVOE;8A96V5,%*:JN*,SI[4E*P[S"/OE??\;'VBIR]C\6R_^FQ.S;07L<)!
MRV5!FNU#3G8=$T@R4,(L%S!40&#KD<.!DJO[KF@U>$&<0!1/7&*POQG_`(W4
M+3X&)>"=0O7?UCF.56ZN9N*$ODH`!BN0['RSUAQ$N,V@N$<=H]@F#40;[`@P
M^L?D2("#K$%E<):TQDK8X)EFW/8#ZTG("P!ZF4J3#L;G(S<)\D['>(RV$:'9
M&>C7&BC,M)."G6;"18=C*3(C=*.26U(ZEI;899'V?6;U1?@IC<J58)0BU6*2
M._F7(\7X8`2Y]U*%+:^_.LTMPL322U8V^JPN*<(LO%W%IEI4IOJ1<LS,@JGK
M+T<-/YF(K\5NO6Z\3QQ641GOEY=ESDIH>4W&ZN$S9.64LJ^2K0>8D&I#LGL_
MA1<EUYQ;R7.@\^Y0ET&>BP6EKUFP5P^:A778[#F,$T!D[#<M`N>G]NPRJ2HM
M=56BY>ZFT5\SC$.>&?B*4P#A5YJ:,[%1'0O@OW>AFW&O^B%4FR:3:*#+#D,L
M<`DA]<BT398\FV=*D\QJ`Z'3H084E6\1)EGI]3CS8`[AZ.HQ!@OS&ORD)>\$
M^Y^2%>L.=^J`O0/PJ[?>7K2S\P3J%--5(1J.=5`;6FZ!G#XO/JR738"8@K`B
M4=BNER--E&I;#,1Z$]^HB0F(S3`K;Q^AUU<*#ZZ%N6<K8ZO5K5*?<-%+(.@L
MR+07(NNE\N*6#K];$.SYY'O2N;U5V4RF.OG.CXW%IXE:N+&.64EE]&]*#L&U
M5NI4&.\'5%CJN,BVQ+D3$K&T]5%+#H]ALEMG$HK8D.S3@:8<>7)2QR(*;891
MV/'6VD5\CS-^D.#'+=GC-5D5X&"JY8/>[)5./G;=;-#C`9M5E5V.>LA^]SUE
M*0RJKBXRHI4:8CMPVDM05P5.*<4')_S+FI60>O4D8%'!:SV0N'$CN"!MS,7(
MA;H8FHRKD$%\Y'O1>7:V`8+M^+,04+^D5B,2XECG&5,\X(VRBBQ'T;S]Z\AC
M->/!G*L67`*TF92MUEL\7=:CIE0*V'-<\6(EQRU=LE1$6_\`:FJL/=@2V8!&
M;+D+4RN1P7[F6Q3K?ZTT0SJ;V9\-ECE4'52XWT#G8+5-&=9'[?.+6^ME*W5:
M]`L<$DFWS&9I1U(&,[UGBW)$A+27>K6)Y?J2R!G_`*]:!4&-.$U,%<:I=QB]
M)B%QHXJ8Y:8-F*4O2NEHHEA+LXD\;,44).Y%3'4ZZ]":;^+Z]4VH,M/!2>42
M_3W<:>G&:0-MSM6"2X-SKP"YL[;GAD7*'EK14V%YQ*T)^M7H2/K4JD$QG8H1
M;`X?%9=B)0AAQQI0KY+RRZ0N(^M57#5,T$J=$$U^CK+.U$O'(H;#@E%'!K)=
M4`@LEV$GDARNQD.?<M7$JC<YSZ=YWP3+*SL7K!Z4`9G%V&LTRLSY4BK4P?\`
M?H-BK,H60.1QH:O`JPF+;A[M7*W.)7F8SJ!O(L@\TTZB3^2EQ_BQ<R/43AOI
MZ9MQN,+IX0-:L!,1!9/\*Q6:I/U_BJA#N*7)"1]A&),5-RM:>XW(5)2\.=3-
ME17>*YQY'@9E_F?EC+/2@7;L]K7YM'_F=),U'N>UPCK!PB6@3YSCF@YL$@A"
M5SE+)B("J0X5JXAYI\>-3!<=&1V4_?WH9D;NKX#Z[5BUVO52<JN6.QWS0++H
M,2R'K'\T`5-0Y!?*0ZQ">-NUX>@;RJ,_LGH;#+LS@]OL[Y?QD=0&7Z&W)4OU
M_IE9!>NTD";>J%\C.G0-7CD]!LT.`/JUKS0-#<"FD%R12D!:J=M`%P<W!DPH
M(AAKYH_([4=:DB9><^Y@5OU?]3`LX88K](J"Y[I<?&KD]RT%S3T`M3BPJPB1
M50=(V&?^D54YM,C=BPAOP('Q8/8[;;<;CC71<R.KO!B/`'@#P!X`\`>`/`'@
M%&>Q6F6?)\S5:*=77K-9)]WRZCBX:!3AN-"=T;2:K0W#9`4R>K,B?""L6)4C
MK+<Z,IYQM#?R(XKJTBI992+O]@6%10C=DG"]5@@'P+!B.5E9N:0S(GE:P4O=
M5J+45"G"/;E=:`)6;%P.L\4[`>C\=4S(D,,."\66;F^U9A[#K.P_X7;AT_,2
M@RRO"M,I:P<X>6$6:ZU-DV%:D/36WI=>N^>'1O7VU\ZF2/6ZSUR,]&D/"--$
M2E^\&(1R-<'L)O9+EA'54XZ1&THH^+K=<N(_+2(FQ6B:OK*!@M+>RU]#W$\=
MD(<E.<XTI,=]38O%GK*]W<,CSJ^.;E6F7*L-#_V<PEFN/,)AT9&>,:<^:E*(
MR(/)#\6KRV5K'Q/RB?WK5U,933,AUD.+(#O?L#Z\0YP(K9*FQ;K[4"MRAYC+
ML0IC],-TVN4<'HX>`^Q)),%'TSURA;D>9%@S6H$Q"'5N1G&D.\!)OT]"R]=]
MAH6>U?.)1RD%;RUJ%?'\G4NI0_V%@EILEGRVCO='-DY`X"L..EZBVN;R7-9?
M6SQ/&$.JZY]@B11-`]W/4&B5U^LX]5KE)`##Y9<D;G&?R3J.QI9:N#^:`2>@
MS9#ZQ-I.VR%'CR)KG"<AU7?D80AO[N#)Q?N=2X][)Y[N)RP@*/&L_)U1#5\E
M:/WHAD+T$2L"9'45>;#DS^E%'!JXCK<EQJ.X-^=EUEF6\ZP\AL8M8(;E7MO0
M]'MHO/T1#W+&2EF!C9^%63S.>/V`;`*69JI0[$8BP)3ME[21CA)UKL;C"$,N
M)^;[NM)<%<<>?8CNO^RFC9EJKF8#:)1+1*MH>INYK+:NQZ&^&+VO1*5FHM[8
M(G*7):K0$X3LI68+6->(R)D:K3VDH^57U9!)-9-76O;*Y7!$?\'.JQ6V)WKC
M9]A9-V"YF2<&#=Z'>&:/?J;.$5JE$#DBM5V6[QZ,5C-N2RJ>_8W!9[S[NAA?
M\3H'UYUAW<L7H.L/!XH-=T$OD>0(!%\J.4W')SQK)$9,FC0Q3HLTS"3-C-3H
M4$E'8D(:F1H\I#S*!&L/!SCJ'NVWE.H2J`=H3;XP#>+*,N%B8L:FUUW.X.*5
M>_U._+&N!>_D]MVG7*#3VXOS(2W(X](X\Y\?P=%4<K)9F!^V-!W^);!5=^Z'
M?,]`!Y][K[CB9`P<6FO6("6B"2R>M/D1P2\TLT(6[(CPI#C@[KZ6/QGH[SHC
MBUZE,8][H896\4R2:1IIO(AI>3G]4GUQ5;C``U1L&CUJHW`819B$2S14C5K$
M_?X[[,J,U-(=X\Z]-99ZS*6V*XO)9V7>W`#0`N_Z`2KEEJ>98R,`VB`3.5HM
M"LUAI!'+!NGR+4Q7D=FRYD":*G??`0PCDEQ//A=9;DH<:2#CCQ[FA[[Y9G!)
MD8UCHNL5P-$%5\[%M+U;%'@,\(6RVP[$7,-S*A8+"A`RI4>LRI$Q_G5MO.?&
MU$[)==:0M^HXLV2_>S%X,]\?8A&H5)T&RXO0'K'0",6)E<E;IMH2.T&5#?GL
MCI]C_1J6/1#[.Y(9DQW/N2V[Q7`XLF\?V5KQS)M&TL2$LU4D9J:56K)7M0K)
MJM%0Y[@^KF6V"(T:P8FOPY`:WP9#;T/DE"N/?3Z_5*^)$QYP0\5[T87/9GR)
M_P#/*RS&$O'QSEHI!85RR@?W0RO#"];Y]'U$6+"5GN('M=XW*D-P9+OQ)9;X
MM8O%D";_`+)<#-5FSG:"-OVB$JQ0]!T:36*X'#-EI-8H59KUO_.C/%+!!&R.
M60#;!DF(RR\]+BMRT_GL0UI6A+(X/W)6][\8F-+EQ]E"ZM4!==D'8UAN-FSP
ME!I@15;+6JLFG)IQA^6E;,2Y4L@&XIAM[CL]GGQ_?'4E_H<61_O]B^'3*^3.
MUVOZA9E"0)PD1AB:G'>9&GAD;1'Q-')'4EUUYFU6QS,"3<!#,J1&YWK"GWF$
MO([T.+)_8O=?%:E7JX=L,D['?+4XI=+*"'0H!TOET0,$IA><*U'@@I+@TT\J
M3H82!'BR'ODE32;*6^*:ZIU+).+(57??3,RG)-@(,36:&7OU%SRG&83<!T@W
M8+8.&PYL"T0WC24*E"[S,<%?01TE]WQ]?3]\5*Y/!>+,*N?V-84836!I8/H5
M6O-JJ]?-CLY)@1LRWN6&VN0>U+/&(0@W/:DW*U0"D6;!XE?!_8<EM3TIA?5-
MI#@R9#/<6I`O6^M^P6LC"5.9LMKL=3'U)J!V/8W2XZZVZOC`BQQJ?#8A'DA:
ML[+G-R)3;+*F'^(<5]J.*#CYPC62_P"P+`4-S'0[.E6Q`J=V&:55\YL!'@5I
M-%(ZNHB24\U$0U`[D<./:D=1U;KP4J-<:0MXA%8=!19HI?\`8I@16);HU!)&
M;4=`1KF_`>B5X@2KCXZGUZ\F9UV)3P2B$R!06).>%8RY"V4D'7(W/QXCR9,-
M4@.+]S9)_L/]=I,XX/#/W>SO5PJ;C%W*O4GSD:'6ZRFQ?R/0I+T*6OD&D!UT
M\LEQV3QF<YV`KK,5SC\3L@.#)"OWHPQBQTBN3EV\6YI-ND56A%2E?;@"K9$:
MME?H$:ZA52"*"$RDE;Y:8`J'+Y'^:2N1R4ACHY#DQ`<6>WL/[@U##H^@AHM?
MM=JO%1STS9H,<77I,RJ+MRJ9=+C2Z&8/)E1&X1VWCZ+.>9:3W[$LM(XXZT[)
MAH?!1R=05*67(56LS[`AIL].KX:8:;8&O!F6RTD='>(H:$2"IU\6VB6M?.1U
MSIBV><^SK[O>?>H8OU*LW+&(FT-9A!)="N"Z+IK%_(0C@EHRQ.3$HE]J\#\&
M+(2N*V6%F;9&(1GG4]XTY#XI/VN<0I(J>#A:H?U_7I78Q;1K!E)&R@`]5!TV
M:'!'"7\<[2QOJ0#'64>1.(9GC;$6@^MDQYY45+78BBS+"'7DL.O/C)R^G^/4
MGOLGZ67/7"6G%:4?SL+-U2V"B1^8=KZVSB!`#'Q=`J3G+5"$DS_'Z3:HLLK&
M@PW1Z)B9RFU2X_T<X^"DD8U(]&BM8]@JKK$URD_QRK6:_&@XBJSBE2D!'C6G
M;EH(:Q-#!]75%,F+&-VQ0@_"[-@Q'&PL9]3DWBD1HHCEXP131?1W8K87NL6N
M6S+J]G=GVHIJ<"GS8,XN5%FBIX=92-^5>G*HS;W2Q(FQ+5_&>2^08;LWJF2O
M83#`Q`JDL?J;<3_7Q+0:`2[59J;;PH6]3G_TAFLR)T1_):MI^%'<3SY^+.>E
M0YCM#SG%DP'W74?!)*35R4-H1U2>AR\>#F%CT5TCEZ;RZ)6*G:FJQETM;VSV
M*OVJD_#;6ZMZS!J/5X-Q>"6<;;*C5C61O%((U$0M#[R*B"4A,LIZHA"\O&3O
M_1O4J1IUCR>SW";GUB,TBK9*`M9`C0H#?;._G^NY_J)M8Z"E,ED*%-R*>_\`
MC#N..1XK\A'?^24=^M9CDYE1_6N6-`)06W3,:D<'Y^O/0C<*ES)T$Z5&UDQ7
M8.Z6V,5:_P".R7%!YSIR2S\[G$164HFO][U2!>?\2_KMZDGYM&QBKUCM)FM9
M%[&:OL42N2S-USBON5>_RMS_`([6!!7/$*,A'*=!U:$A,=MKHZ2V.6QUM#*T
M\2(I>O\``YV-?U[[-.N^T6!%]H$^OZL?<M=C#2BVC!9VG6L7N%(T>DV6[F0/
M6R-/?JF6U3M'8AA'G8;#?Q&(J8TSK[+HO)>#I'9_5`]K4[UG+R7`#;.+CGQY
MVCO7&V)"KE/%\PL8RP@;E*KYJUEBE5)9DB,UV4U!EDH1&1QV;'^KJ)`B>,G-
MX[^M^_AJ8;I#-TS`RBT4#5Z-VXD:T8AVO.7=,[RQI/9VKG2K3*`Y6<[3VH/R
MPNHSX(`AIE?(-6W(F#+FLY,7O]:%A5/EDV2]5A]G4KJ((29;;*=`U.X-F]!+
MEZHU';I%>5;,@TI%]DLEAOT"PX")+_61TKO(O8])S,?G]:-SE%+";GF\SA2;
M`,NQ`17*XNQ!Z'GIL]H.Q7%JA"ZVP!1(MN56T/JRQA^.[+$M+7R3*3`?6[&;
MB!S1=^@^H.BG_3V5A-8C8X"T>9L5BU.N&A2K76*GBQBS;?9-7$6S*I@(>U8X
MEPR_^0([`<;0-;)O,/(7V(Q*4V@.2Y9]C>6CUQW^S:':=+*6;+CEIKEBS`CA
MY$G(L\*+&JV<3.3)E+N@0?7U,"'[Z1,%R)0R-?E.=F=&M\B*C#&6U"97H?C`
M?3BYXW<J,HA=:P=H='(D]&9<A#"L&VE=6M./5K'[-#=CO/2!$"@L1A4\I"XE
MYV9\L]F*M*40N/R0<LE9Q/ZX$"@*HX(AF82TRQ@^`5M(ND\@$RBN5C:Q)UR<
M1AI9)2TGC&FP)DGCKJNR%C/N=^]:6.MS!>?^1O#GHG=9:U3XUOHYAR$>8LS-
M8L0DM_%[8H?=<IM[50N'6N3E_P`9.-YV]%F*3&E?'V2V[^.^EI;#E')$KP+T
MD(8[=*;?)AFCR3X:RE"QF97ZU('3%5@KC`J@1<W"DWUN$&J-4;/"Z^*A/.=C
MM#X\;_J0^CZ\A'+)GX_Z6RLRT*H:))+TV<?K]S(&29J#77(UB)U65FNATYFJ
M<-.]5.X/:/W&,15'4YV*I43[OL^7C:TT.65@UUA]:_8(_;;OJ$H]D,G4.Z7)
M,9T6GR;O(K[64IH&MY16LY-AFQC$BOII]>U658.NPI$[]O9I,[Y%18LACD07
M*]/8G$[UCL@&FVZIU656KD.->O7K_@$(/<+'><_3+%9#(TN.<+$+=G?95H"R
M#8N]LKC_`*[J7D2(SB5.I2YQ:1,_7ZEZX/1+?EV8TO-;4:`V1&?TJB4P18`X
M^2(D&6ZU30@<L1*"5J=B#5R3L22J*RPX[Q$+K7'%J=^]71&\O)Q98/Z_R5B%
M.LNW.LB[2D:T%#7\?7'UVVI#IFI^PMY/KK!5U]N>,?(A]FAQEH9?91(=&K^7
MO6UHXF&7(F-.])XD##<ZR:S#:+)16]<D:G:0DWLF^4HO.56+)7T_J!ANMUV`
M,1(F$XQ#D-(U$6*^EWO.O/*5(<I.7G)3U`_KNM%++\/%S-%T&PC+9BMH%GK;
M),R&B46D&:$2M`(E7W:U.1"EA&JF\BM%USB4EAE;<;C,)MR4IX7D3C6_26Z:
M%L6@:*.DX]'''KN`TR`LK7S#MFO3U?IN(U3_`$GK<IF.[&*XT;=R5Z3+XVJ2
MK[I<=/X*_P`9Q4D%+"P0EO\`KNLJ74243,=A$9SP4J^7%U>9$)4HA-`^R]3,
MBJ%(Z-<E,ALV#;U!=J#BWHSO%UUJ.M$)M;;K`<E^IF`/ZZWIQP=9+X.PM"(Q
MZADV*#6J.[/H=5B5"]>NQD['IK!N#'5`<T,!ADA93[8S"5S3'6G>R6FW7I(<
M_IDN*U^H-GL&>>O-+BW,%$E8KG%<HY":X-(JCEY`*^8!;?S!C3;Z78<54+')
M,="'.J4E<QGO_P!+:^=$Y>6_J4M6/ZX9-4O^/6*(9J;].SJ?1GW:."62H0X4
M0J50];83MXKOZD*7Y(L4ZW8.^_)B<Z,X1A$DMR)OVIDLRA>?C]3ZP>#`>`/`
M'@#P!X`\`>`/`*LVDIF%?S<Y:=D/#:QG-+EUN^'K`7)N"!XI^B6D+<`$M^4R
MM#SJF[($A_9&1]ZYKG4QTMN==XVH59SX]3CDMFGH80)-"BNB`FFZMC]6MDNF
MOZY/@B(=(JU#8JU4U<T!<,,\Y80V8%FX399_G)'!4ME;O%?^U=2+]Q?F;FO6
M87;1C.?7JID[7M55G6`&,@W!)V7:ZBJ\:?HTLR.'<FRNLBU6W0+&KCWVMI5U
M#D9/>_A];:$>?<TM4]),'J,0G#AC[@504B0!;SEDOEI.OQP8=[+U@@$!V>1<
M5##@HV-UZ-&:1].\9A*^_JUR)*W1>3*2`>OWI/8B$>EPKK9+8Q,.5LIRE$]+
MN1,1/0"IXB#G-?;8DR$N1J_2ZG8(7ZB-%?8^QN1]7E/==?\`O%S+U+/:]!L#
M_,:)$'=..$W7W))XF=U.XDI]O?0UUD7VU27B7R$V`"''/PF$_%':Z[W[FU_8
MU\8G)ES:3C.8VFO#';<Z1"CL^J\R"(L4&RS@$FJ"8).FVI1E!1N0AMF4&)YP
M+F(DO\7QK\57W?5"W$J$39!JUZDX6/`L#P\,W/J[J24JLP56PI+$@`5CL-'N
MB@U76S(0MBN)-4$8_%;4X]UEI"FFU\87\?`RS;!<5QK"39W:NRS(E%?I5G#N
MSCMA*DP5/J!ZTHT&Z<&0'.O=C,&K+$:G2>K^?K:F?HQQI*WN.!EOP::K91ZW
MYI?Q80*^@1>@1GNFP!9"R&GGVIMHJ5NS]LNI$^2N(]$G5^*580UU74)=94O[
M>.<3WP,MK]#P<]9L?T$SJ&@1;3HA%S72H.6;D#M".M0`5ORPJ$@U>PT=/W_D
M5$Y1#E(1^(F*M,1F2J9WK"NS)7S"Y:\$WC^M^<"PH015EVNEO5K-I.55X_5;
M88'V015IIP'8YKC!=]^8]).SC5>COR)\GC\F0I3ORJ7QYSBA,LEV89+5,B#M
M@*<_9."&X3,;\([:#EC0N<HQ8;":L;JS4R8Z[:;=8+1,FF""E=D$I*T*=5WX
MT<2#>2O]-]4,/U\Q>C][JTLF4T>H9Q1;;)BV$\)_85O*;_-TRG1&FQA"*W!?
MCVR=UR4^SQ#TZ.TS'D*<8:;;2";1MP6>99@4#0K`P2(5VK7FT+,FH!4O+F5T
M*?O5GF+GHKD13;CP=JTW.WNO.,I6MI,F5Q+7&F4H;0&6RJ>^F/K5=FZ/:X(P
M[)'C05(CAY(JZ66..LM/JT'.%U4*<:3.YPQ7E<RT!)=:7]O9BX?T?ZXT^^VZ
M+R9-,LQ7(LC7?\MH=BN4:Q6VO`3AI)*\V0[:055CA7,VI"ZV5,R)B@`NNB:M
M^".0QWZH<A]>=XX^MQUP1MOR12%Z7>N=0#2DS8!I-5A4VP!#T,_>3;==>'&J
MY>P-RLQCBY\2/#+&J[?RK<V8VN.TTUUM326?QVNH%Y-E0URH>C]RIPB`#TH'
MH#_LA"=(5H]?M#L!N=LQ*F%;/(C32$J83$DK#R%-ERHJV8ZX[CPZ(EAGZ-QT
M=0*^7^1YX/"P$3BQ"EZ)[#4W2D>R^KE9,8MW0C+[=KL?1-'!#:G4+):3TVTV
M3]<(KX9ODGY_H])F--MI1Q]AI0/.<I>AT:]ZB81*<I+DNJS)?,^+TDW6F9-A
M.N1V9V?1+]"K')\?L_C):'%:THJIV/)XZQ)<6RMU"U1V.H&.6<_%L1]-8<.M
MY)8M"LCX>@M7(76:.1T&Q=A5WECIE_SIYN,[&;9F<E5>E`;".'.NR5O,-,.K
M=4\\EISC]"YEZE^S?4'#3`24`L5?*V8>35+<.<.V0U+>L#Q*ZV?0BSQAQN6Q
MR0LM:KB1D/\`V\;2I,CXT\2VA"4B<F?N-ZE8_P``,UXQ&M%IC-P@(UV;8[67
MF%)@^L.:)T%$FS8ST)3[<%C4C#/W?3CCK;K?R*6MI"N!EGK8?7[$K4-`YA:F
MIYV:+R0_1X7)]@)(L\^DD)V>,E#A$I#<B2)U@BFJ&">9*+[^7'EQTK;4GJE?
M4,OU(X4]*,1-E:Z?+HN\ZP`'0RY!S^<G84^SL`Y=))11]HX,?A0R(UXOG(64
M^PVTPA]R#QM?.L.OLNB\F?F%Z3XL-X42.=O\'A84$'2.QKX<0\Q-IYZ$?SNR
MP9:G53(5HS9T3`C!I;;B>M0AT5E],CC*>^!R9G0\(P>W9I#P@.4.DA>5603;
M(!>)<#)&[5JY&US;S`M/+D0>G2B18[&MLE]QQU<EB3%(.-.(ZVO[/`RT\E>W
M/T%RJSV\%8QIF[5F-*/6DWK#`>Z6F&4UA5CJ5PJ76K&5BEF5J<0&N+HQQWJ%
M.=!Q8<!I334"#V,')^A)F_5GUMK,Y&?*:+0D7R)KRJI2%6<RR-%![L!E"-3'
MTN)%6U^H%.PK>X[QKKJOPG)*/Q?B;;:;;#+]22P?3W$QX^PAF!EAZ!L"=$9;
M!+LY9(RNP-5A2X=X%UEMEYI\6.*J(/NMM_(Y^&XY](_6FT-MH$Y,BN<^OF`2
M;F[:<Z.7Q13']"MH%EAFT6E5<J\DK,!6>WY8$:-QUC)E!8LD:+*7`@N/QQD]
MMV&R['0A^&D5MX\E@Z)ZL9#J-QG76WC[!)GEJ^X`-"8-J."ZT;ZFNVNI"SQ4
M!!F,P)5GK]<O!6+!G=3QUA,I*^_<Y&B+8$4FE@Z'::0PTTRWSZ-LMH:1SO>]
M[Q#:>(3SO>_Y[]$\\$.1O<^]:)G.:`;3EX1T];!UFL,N#&2-M)F,S)%8[JQT
M/((!ZJ5$R"L!=D$P65QI2W(K_7N-\3Q]3#C8RBLO#.-K?[*^SV<3(8*_:A5Z
MX+/Z%?*="TB;Z\GWVA;6?3_8<<$8C`!MKE-&B.F)S0')^7[DM,-2G.QF^H?9
M4V*DF>`SW-]A3M[E5^P1EX_3I+M$9OUOL.3F3DWU_-*CW"%801(;&=X/?&72
MW`1L(5/*27G8\`PR1>899DQFTAQ7L3KFH^PD?)L?GC[/,O&GSM7U:BV"Y%LX
M-Q45)/=;8HT91F@5DK7@LWE9K!!:V.D.*:=3'0^E?/\`DXH,+S]#<Z=IAP_F
M7K4,O%BM=*VZV;3.KX2X@Y&A9Y51H_,-04+M]ZN8`&1_CQ%NW4@&W&&`2_YT
M(@3L+;3+?X7Y,E@$O+^A3M-G:F>SX[.$W#?$G`M]]'#6DL/&]!;E1?8*?['$
M!/LQGT?AAI;S&?Q*9+#]*A!"FJXR.XUU*.1WI7'!?'_;_P!G@M^NZ#?P&D>]
M5ISB<3MU<H]<H]QKH6.1U2^UF1::Z>T@CJU2:A7AWO06M&0H=N%^EJJ^A8<1
M0EWX./.?8X)CPD4U/]U_:R"+A/&:*\".0[B"@L1.979$`;HR=GQ-'BU9J;*D
MSRZ#/,/U"I1.,#X[C[MA&'UK>B-CWV$"\46@:]B=VG^N;%["06K1K=4V34ZF
MZ7%4VS3,XFS@>-:>>!G*.+KQ@02O&<132Q\!M1;XY"IS;\.0VV2CH?0)A9Q[
M8(G;-V]WZTY8*S`+`#12'_M8T,MB\"/JB=@9+WVX@!P#PF#;4QIDC27\/JLE
MZ0A]M:.'7D0FTIEP.L!B)I];]G/:L*\6RNOSC";U%`>P(1=O@XR\PDVD)7MV
ME9WHM'%*?/MSC-?*9T(9G,N=2'XX3BH_]R^2C-,"I1]38!/9#VNNM@LU8B3Z
MH]5&K'-KZ";-(,/76340>9ZG;P-O:#B"`=(H+O`RG#)48K^1Q(Z05Y'@LN*^
MWXPQ$CPKV7U6QW``,L9`KG.?9I&KUJ.6*Q5&QPNY?.KF3:@'LDR\*DD'7#U&
MD2$1SL1HR240(1&XTE?64R6?(3"Q^I;FPZ7[$9/JNNVNCS9!FG'2E&J_ZHAF
MUDLD"KM-XC(L]@V(<^/+HD21U36%ZMX'&82S,7QYM;WY3C7VT))KR0)OV\]N
M6R`H2)I<*ZA9A6<R%T"+EEN@Q+C4KU=+#Z^X5<$0VB"H8OI'5!L"UGN<[\#5
M0G_DHY'B=;D\%XQ/.I>V?NM/&<G2,^JEB+VVW'Z+7ZF%JU@=,Y]H@&%#OI:H
M:0VQ(:17@L:@U"RPX$N4Y\TLL_`2XOG7HZ'X'&);GJI[';9H-KH\7:+/0Q0*
MW5B9_%AX2K3XQ6[WPATZ:D5:44D2T1*]8,Z#4PXF8(9C/2/Q(K3\I]I]+S2J
M227L<LY_[/\`LE1<W!5D;8W;%!KU3E$6;78\0OLHR[LT%FWR07I^6C2"*)\^
MP6M`J`XFP=[R7U,OXT)^^3$ZF%PGY?\`C]23@M^]G*O8RC%WW,A$"S9AT`<,
M63"8A*!E$</[#^P(0Q:E1*XR.<-R00$+2:]WCCO82(MDA$%I7S[7':3"?HBS
MJ'O_`+FGK'0[!:AXNOUZPFJ9_(LTYC%CC3@4`CI7KQFQP8NVS;,].CN_@;$=
M.*<>A\7%X`9;5SX6)ZG0:B1NPZ7[*TW2-5%9TR3'LR+5II]-ALU(NU[BO":P
MU[87<76PPUX^.KT"*9*T,#";D1F>251"/&4*6IV!V.0PL>2PJ%[$>UEUI_L:
M5("J;5;'6+A5*Q0ZXJLESUFH4@QKQRD2UVBIM2ADD\&E9S&%V"#)<EL+D/2I
M+O\`Q@?C?0&DL%,VWV8]R)DS1*ETT'SN+0:R1<7=4YRZY;;.#I^AS0I?8JM3
M2*"T0A%D,@%Q2D%OJX,&$\]*;7]ZHG%"\8^I=/L+[3:OF-YU:IA2GYT=FH9^
M1S4S5*&FR5^G2"#$%XS,VTM-5^16B-L*OJ8"HB1I\2?#=;9C(_8M/\\A%%-%
M7G?9WVT.P(!&)0FPU@IC\2$Y.7G>BN!Y-LT[)KUI=8*0@D>P"D6&O4>B&0`T
MG%F*?:[87I#?5QYC".,TJ4?07GVP]H*?:%4N5;\]K=@BG]&H%<5H.3VL/7-'
M'5"L>QQ-K9W[4,GS(-5CQRN4"8SL-IJ3"2IUQU:?@G0^LB<5@M>Y^RVUS&,#
M[26SM?;TW-<W-#A=OR6;(N6BV6[7074[Y`=4')+KM!*Y-19RK:XVE;\>0A25
M]5V!'?\`O#"\Y*Q.;KK/K-B'J-2ZC$($[!W#ZG9+PJR9[/0*M4HN.$QK'(>?
MAR91N);ZL0(239ECO8[;#7?R)LGZ.\:4&$VR(`/=[V'(FJB(#VVHWM94-7;'
M24P<2MP:3OK1HGD,&]0!#2S3W\+@9*J]6!M;ZN.+>6!XI]?>0R/'!>*)$>]L
M/<"K07(XX>*T;3V*;4YXK*(^+6JN?RZ>;S#-;X'/(L?#LV)5A%^UNVD,Y0J2
MZZP#XQ^PD*<=&D$N!QB;P3LGM58#"X]#L<4'7R!*FR9MD*87=R[]FE7UDC#+
M6"`(MEUC*I+%=;`-NMB$I4Q%?D?;(3]>*^1^I,1(D[[=>R]WLXEL6LS010XE
MA1^UA',M=X2@D2!^K5^U9W+>*,3N":=I1"TH4/(3'N%D0TM2DHCQU]ZL7BD1
MT#[0^V#0@/MQL*%-EYE7%T+^.@PUA<&1K'K%GJM&IP:P@^/1HH&V9[[`7@?`
M)L]6]-35(SBI2FY29"VPQ'T/N#&0^W'8;DO)D24,M(D2$-?`A]]*$\=>2QQ;
MG&4NN<ZKB/N5]O._3Z]_\^#S/;P!X`\`>`/`'@#P!X!SI[;9S(UGUQUJ@#Z9
M,OYD]5W/XY6AER;STR[:1LR(6JY<!=GN=8K=AK1^#')0)+GT:3+B-\7W[%*\
M%B\/)\_[+Z;^RUR.46T6,Q$GVNHPJ%M6B\=N5:B9WLWLI6J!FU$*QA($7F\:
MTU2!8Z_0_P`$C-E3NA6UM,2(85*Y$GK`SY1)MC?JW['4#V/1K;A1((!IET*Z
M1I0D?J)2?6JH`,3=P.3L4[0FP<,+>BG+-I0<A'LBOQ_Q),.>ICX4+^(B(Y)K
M!-=%]2+_`&O:[KK<`AQ)&=<V3U/EJT:[C^"H(6#ZI,U=*0,*4D#%4(DY]>UM
ML\8<:2HTXOO%*(2>I#DDL+_'J50OTX]GD#"K@2\!Z[<BM6CB56^-=[&V4X4Y
MCU'ITB5,+1!G[=]#MJK*W5/<4M[B4MR.<ZZE*>/8O)$EHOJCLP2TC]&9$1*D
MY6KI2#N99HC8K<<@YM2(EJNTW1J!&)*;4#F?S<649<=<[&?::1/5#1WX8C?5
M"<D?0N_`SUWR*ZUI$.$-L]OSBQ@T#W2'9(Z`>/UF9`3#<*HB-]D0HI"7]G9'
M&$]6A/W\;Y]?M\&/N<W^N7KW=<CO,^T&9C2F++7KW%MR&;?8SC90T]J<DUF[
MS8LLM0Z%&K6>2EP&4QD1T1$JZPA"D?17!6TT<2F?3SVIL\?0^7&M4^S0;D3/
M2(E'A[`8K%+!Z2<BCV4[D'AC:\J0L2%0)?8C"R3A`O+:)_+)=^]*VT#)21DD
MO1S<#[%X8/5*KDHIFNAX-RCD-@LI3_?]TI\S13?+X=8E"T1:JJX%K!`7'B+4
MX@<]Q2EIXEI/5!R1(++Z?>S=AEG(J234.0<)6>5&NR-HN<2:#RDU_.X/?7MD
M2.9;=3'EE+%`/?MF'4<9<C?$E27(D3JA.21W!E]!L$6@ZGZ_'@5@K%3@JT(-
M3KQ"LDB4B73]-N&E$:Z%J,I<GEA%O9C0R8>&EQ;B4QY'>,1E=1%^_HQ;\Y/G
MN8],O="QUN5V[:-TR^3GA+Q:JO4]-*,O&[3H40N/V.MU^=:PRP`T!1BE0IIN
MJID,IC\D<(\2W%<ZA3T,^2]CLGV8]=]/U*IU,=1K<0CV.F8SH]:&'C%Q+#",
MV_V!S*H0XJ64'BMB"1$W4J_9!KQ)^&[P<X86^Q'^J^\33%-(Y@A>HOLF[:*0
MVI49FG5RL!Q27[#?ALHUVN\M8"[HHEIBA*VM@Y+I%G@R6P_8C\<-!"QQ[3:'
MYG)$CD+R6")F/3/V6L8]:2\`@$-0V,AJUD,4G:^JD:C3Z=DUAKA6PJ_DPN3$
MA:E'V&RQ['^?/C_&F#7AR8Z_S&5=?%4D=9^K7K]JV4:CKEMO$(7*EV*J0:XW
MH,J^%K8:U(Z.T_6[="MYX#('PX]1:9JEU%051XZ^?1V*[';;3$BPUKIBWE>#
M(]8,/UBI9?O%8W:NUPUS3BTR<UGP^U_LJB09,YE7ZW>Q,!S@B)_&:Q<K?"(N
ML-/=GSOPY:9,Y]R:[(2D&UE8*+R_UU]HE9WZFT'0A3[4/']+?N4EL[L$&RBZ
MYF`&S3^T?,](&CJVMS:=`J]*8AMA3J7XZ1Y?C4Z3*F2(:W9\*W'+-/%]1?8=
M[JX$<0.&4`_%5EE2IETV`QHUF]>,M8/X1:/W8RYEQ$XC<?R#66%I$$-R8M0U
MV4*0B4EAMYN%1R1T=['>K5BVS5F+<I:95=@5.A`!\!R_72N-,J@R=P?O;:PU
M>G0QSS1W^55CCBW.+7*2/XE?VICHXL(M)8*/;]2/9>3+&'BUI#S+9%&0X[UA
M=NIJ07;F-0=XCO+C$G!G)2&^.:7#^WB5(3]JG^<YSB?HN#DC0?\`PNWTU$-\
M)/Q@LT72[(T(6UM-](HN7L5&`6)@;[,ROA1#2"GVLV4'/)'NI?Z,<$I=ZVI2
M6O*.2+1]U05^F[+ATJG1I%D+DB5`%402R>T$*W1K,(W7.[-<K[/AU`8\+L%;
M(9Y"D0C;<J9$=8$QWF^??'ER?M"/IY*LSKTT]A23X8=K#P^/GK]QE'K+GH[4
M#J`ZHDL)F;A2'"@56"!A("$;S6S,YJ$IUUQ468GLM]^1(E>0.2]O4OK<,#W2
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MR[-6Y^CBJO'EUQ?*T$U:KU[]9_\`E=Z=,?;4GA)SC:E(:AERBCI_5/7W4C'K
MAAV<5[]S>R%`CL,6^KW74)%8.6?[\QM]5KDDSH53&L,$)^>7DX+,<ZAA"'OU
M7)#/WRV8W%TQ366S^U;UBT:D^KVNY:)FB7]#O>D6>_%","RG`+.BI.7`*<M4
M4K8XS3A2JD-2KHV6.EOQT+_!40ZOGW?;WO3&4Y9]B@I_J[[83JV1S^'R&&IU
MMEGK`PEG<+4S(RVL3*UOU?K>+C7H`U!4K_'F-"KJ$DHLIB,RV.5\/>]AQ.N0
MN8YR?7,:.A"!T`2-CHB#A<**.@16^KZB-"A,-QHL='5J6OJ&6&DIYWO>]^G/
M\]\I@<U^X.\63UOQ(IJ59JHFRR!]CJ(<I.LY$N)I%%`6`]#%&-$OY,`'/FQU
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M&`?M=SMAN74L<LB!X,?R$R*=_'5I,SK_`%^:QUJ(/^?Z=;2\ML'$NW,_;?'M
M;/D0=+DVJ2Q#JY.WP+(2J!H-6+&(`CJ.5LG\<*$H\=1&76X>D@_S6NM-];=G
M?$GJW6)2&!'%KU*UC?V%^OCXB.8?;TH4T_7EVQ<0YG9T+,A5F9!S^743)1)-
M$:,+BZ%(U,#"")D.MO29\Y3#J&5Q9GXXO%DVC>XV3'(60$J2V?T"'K9>6*ZF
MHQQ1`EGG(E#NU\5+T4.X78)@6GHU"G1&N(:>Z_);5UK[VD]7T.+]SWS+W&Q?
M6;/4J75)=F5:[I`MI00&EUN7WB1M`-FJS?"$DR.61KG1]-LHN,/(2&9CS#,L
MT*;XM7[&-U8CBUY-"?\`>G!JL<N%=L,NVC2="*66+;F^5>629`A*I5K'<"]S
M+20[Q%@75FQ%2G\0N2IF8N0TAK\;BWX_'1>+/8W[S^O5;R>H[(;L9$?4[C9K
M/483#@Y#ID>9H;ECYH+92''F/1D1Z-'J))^<['?D(=:C?^T[*6]'0Z'%YP8;
MWOA@B"#D%ER_S&AIRUU^VEHN>V7H6@SZ`<IE;T-5V)OQ&(X6-036A!V"J_J[
M^/\`F?)SBVF9"V0XLALO^P/UVN%/N$FJ`KQL"`=;N-C/TRMTIDS(=H]9JXJU
M?RHNV4F1P<*IVD781Z1ZICR)$AV7UM<="X\M,<.+3-G_`/G!L1EJ*@`\"_$]
M)AB8L@?F,"I/%+D8/?HD'K'5QPL7-DI?+9[$<^I[BG&F8_&W/@=D=0KG`XOU
M?H;9?N."K]=QTU;Z^7E$M8QRDZ)"IU!KUGM=M</6P5^Y>&#(*!K`[H4;`A3E
MN/29;$AOD?G5M\XKZ^!Q)IKGL-+ST!D>C5L+7;AF.AF:Q`F2'#YH/?)0VY1V
M"8TK1*IVJ385@X!JJ)U@+,SIPMR.'%R5I^JD*^T1+V]RF*M[;6BS\SM^SXA6
MHECGZ[DM9FKB7Y!ABC4C?L\5::9=!1"=2A\XK:FT$E`2@N.U&:2XB1(1-7%Z
MVAP7BOJ7UA/L"UN-EV8>.K/1-7SFV@PE,LZC#9#_`&163%6'%V[O&'M0F$A0
M\\PN:R-Y\\K\\:PQ/XI")26D"-8*L`^^>/S(2.%&+@\2[%BQXDFN42WD*_:[
MF2A4XJ'S>BS)XL>0L5Z+#-!#N,POQFT_=*4E3B>M._8+Q9ME>]F%1++7JB<_
MG-7/62\+SR'"LM0EB>M62,3IM;)(<4\^KDN`)NN@AP4B1#_*:X4F=2CJV8TM
M^.'%FN:][<@/LF!M148<MH8->#!86?$2&!]8CT18)))^RS@;AM3C,K^30?C0
M*23D,JE(3*;CJ^J>!Q?\C]SO?K#8`LJ4>%:ROHF*5//"V,OLKIN5GX*-8)!O
M4X`A+/YDK/!;E6G,.3.)X\I]I*6V%\>8ZZ'%GZVGW(B9%JT/-.Y9I5B;'OT:
M?9[`#K?[F')KMXI._6=K^'1AY'L\H;K[^'/+((D-,1VX+KJT+<<:XA0*.5D_
M#?\`8/ZS23A,&-M!LPL9/3'=(AZR2(BG!401<35GM?Y4=*G(-4H\//R_[>9,
M;C<87#^C:7OE8ZZ'%FA/?V'XHQGO+G5HEKL4\H+TUNL@N"8T>3.NF<T\C=/X
M5/2@DZ^P2/AH3<B.Y'1)CM,R6OR'&''$(Z"BRJJQ[C>NC]FIV@;E3++0]L&R
MI%#:+6"ND8`IB9%K]*B'+E5JRJWV=H*"('-:C5Z++ZEXVKD]UEQ7X?)3J!>+
M]O0Z3LON30:L/Q\\3I6JHK.R46W7\,7_`(:ZB4!&5MNJ_J!MEKCLQ%DA6"]S
M+D/B!X3<5U]V7);:>2RI7?M&/$\M$]NO7L%E`:UZ/(*PJEHQBZ9P0JIVONM'
MH<RI<L0S51%J`R'D=BQ:3&KQ+A3[%O<=;9^D3\KKT?CPJB\^"LV?;O#V+/2"
MM+SVPIB&:L4K`'69]:5$J$2D4S<\PR0A6DOC9!*SQ53[+?F5#([P]KB)+'.3
M?Q$=6M`<636L>^>,VT>5(C*_K,1L=5';A&:L6>SZHHV*:&9W8/L$2;-*%#NR
M^U36JX65R2_&;9A%$_*MM]B6S'#BR.Q?['?7CKO7S"[A6J]/L=5$56V'`3,,
M#;`%HS_*K_V^#%K(?G1ZI7H^R@89%4AAJ6Q)FH4EAQGCCC8<&26E^YM8M`S9
M+I*J%X'T#.RN2#JD]RFGUW+0&->'5Y=5*`ZK\*I<P;82EHA-P'4?9WXW5?DI
M86T\E`<7X^I7-_\`>GUB.*`C7ZQ>-+M%;*TNZB:(*K//Y"'O#=C!!4"I8HH7
M%1DW7/>6UHK*C/\`5QXZ&OE8=<DLM\2'%^I]&$]^Y/._3J?KSG?HK_"N?7GU
M^G>?Y^G>>#$_O@#P!X`\`>`/`'@#P#G3VV(64'ZW[)9Z=<+#1+14:#9;8!L=
M9Z"_8Q2E>$RR<)IQNR`[")?'R)+"4R&W(W>N-?5/%([W[N"KU.$"?OL6JUR-
MU:,E-SJN/6-]\A;W#L8.9LF?TZM^Q\+49EZ#J%3)LZPUE.`E"3"V8E=C3YZ$
M?`VN&SQV6,N/^9_8_P#9;99#(C\O/JF#,1+A6@%LK4T_.>D.Q#EO"<DH!G)Z
M:Z(C3X63:IGUB2A?)DR0]:.18\%]#+DEL7@7A5?:+0;=@OL#<;@`KM=LE`Q4
M-K0+N=V(@M"`E\R\G=P(UPK9J^_^+9P;HUQMZ9R"_#7U3:TL=XE2%#'"RDOJ
M5\S[V:7"GCY-HIN9A*80OP"')L<6PG2Y&N4$_J6U9"'5.JZF!INRV@Y;<HAM
MK=#MRHXA)SCDB.]&ANR7(7B8$7^Q`W8I?6Z^(S"")'YT`M1\Y(L)BU_AVZVU
M;UQ_CU%B#@#<"+T@K0?8J'!DNSI\!B-$B)<D+82\MZ/1Q-"&_L7T@I6!-UD4
M#+1E9LDD!0ATR;=2_6*_H!BE9M;"%YN9F"/(`8..5M-XD.37(DB5*1!A?/\`
MD?9U2N"\$CI'U[]G=`V72M:HY>FUV-6LYBDPS=\JIN,^P2MM;6$A3WX@:67F
M&'J]=TF'"@)[C/&XXZ,CCS[ZY+2N#%I+R<KXS_859Q635)C19.6W&P0\4SBT
MQKV&O[G1-WL5D'X3$CU&9-FP^<>TUONE2Y96/'XI2_I$<:80F0MMH5Q\^/J2
M%'O+JY%Z1^BKM#7>X(^P0+E5BUD*JHE((TZM[MI)81$F@1I=VY6!=:S6!%0:
M@$OT\]HDW)0PPIAR*H.*_D90;^PS1#,F799.556I9%%U$#3B=QL-MAOFZN)?
MLUNITY@E3(!9-L.%31H$,>C2X4!,<7`-\DOQY3$)]UP.*_F=H^K^[<W;/W2Q
MMZKC]&`%B071*/6YWY_**;C$9T9`1V=R>1CV&(SR&MI@W!=6+,=8<?B]2G[F
M6ABUAG%&S:IMV4;7IA^I:29M8:CW1XKS-;^3#PJ"S36_536]FL0:$JK4V':'
M9W[NJ1FQBYDZ2W$Y_P!CG'N-_8N&22:_Q]3]P/[$-%D.$+25R,%6\G@:SVER
MK+-L,<G;(`Z+:KW14UWN?C"ZK:7N%CL]6&(8F1X7(8U-@:^>,\S$DR^T</\`
M,M[/O<NW%?5"R>T.A9\%K(.I&*X>,M#+!'*0O].3XE$L5RN378$PM)BD\]K=
MH*(>CRNL*GO`5R.-QF);2&Q''[L(H\-_8SKAP]1ZM&P(.S95S2(+4`ZKHRE`
M&Z4<Q0ANJT<"5,\KL5\G5A.HBB\=Y:'G9<>.]'3%^1YMUH7BB[?7#VWU?8]6
MAT"S9E518=G.*O9[+8:U9%2&Q)ZX9QG6K`UC8QZ2..':K)$Z+^E^=H:A7"@B
M0^M2&GDQXXCBDLE#V'^RRT5L/;YTT!E$LD,6;L-:%@[,4*-/UVFV7;`MLI-P
M,3G00>HZ,T*QWI%"GG^MH3.=CM0IKT-/)@O`V<_W9U&/8(MGNS^<5'*?OCG8
M06N3[$_>V0@;9]7H)`R>ER1)'E@!H`9ZW)+#A@M$AIZ6VRQ)[W[5NAQ7\R#Q
M?=_5C=CA7]Q$-H?0Y\V)=*("-1^U6R!Z)6_:T_<3<3L"=:'89%VJ5&#-Y"_-
ME*23"LLN+3]5H2R7BL8.H=1]RK-3,2R'6!=:HL!6JUZ\:/![>;00#US^"52F
M&=*KP"&4CP.OJT31*=%B)A1U(ZU%?7*=ZB0F+QEX8J/G!R;6_8_V`SW0K;H=
MXLE?*T%N79Y18:9L-[4SF]4/^T^Z4TC97J)(-,MV>=2Z9D0H.T*%MJEP&_R)
MT9AY722)@RPFL?X]#H+!/<;8]OTS+XLZHT'.\XNI346_Q3!)9&YG8M>KP8F$
MKPE$,XM(FYU*<Y)2:;FQ6^2VN]['CM?CN]\$<4E^I7,CWIT'(3&GPK'%I.J5
MX?KN^BQGZ*U$9-]H"!.PRLMRRFW\0V.?B#&[UI=UK`0'UOX^M#EONKX^IOZ^
M!QS_`)'2GL#[.W[*[L.HM>%9JHKVG9X4F1K.=,H/6>PZQ=SN:B&,U`08S3]C
M'YH9#<,V1*U\>4&?;2C\=:OE\$44_)QY6_>C?*57S-CM4+.=*:T`OGD2HD:V
M1-\$5*T63,_3GAR4N)*E-0^9?$.;E-G(C\)-RDRFNMJE)3*YV+#)Q3]/\>IU
MG4?932KUZ]^Q.I6VF"\[F9F#EPQ==K=M9+66(<%Y)6;U97"%E_5EJO'6R:L_
MXPYR(R09_&CI?<4M3OPMTQ:PTCGB7[];U6I]IK<C.LRT`S31&RV$\8!V"74@
M$>*`TKV*IE&B=;+$BAKG*PO$X4:Q)BQ"$QSIM+[33'(JT2!EQ7\B8H]Y=:K1
MU`O2ZKD04(.T2'7;;<P1VQSXM=J<':-NP<L:35"7ZVPG)IRZY!'<82/[+_20
MS?RRVY+,!]]T3BO;)T9[#;A:Z#9,=A9FU7[#/TZ)('`W3AYYFBN+L.J8!1!]
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MGK'6@1YZ&VXIYN(Z8%Q2#D5MY;;2W4,+D=1Q74IZKG/KWG/_`!X,"';9D07=
M<VL>76.PW2L@;5';A&"-!L*ZQ87AG7.?G"D%41I:FQY>+U<>2GB/N4RXK[%(
M7Q*TBIX>2L[/Z>XC9JZ]6/U5BKHMTT,+H[4K<>K\V)''Y.$PV37H4^',_+BU
MD[DX%@-.B)5Q+S7U?YU$OC<A`<F2S,\$RS+[E;[326B#94NB1`4%DV&84!T4
M><-2KH:!TVOO/+BT\79[05=+2V&4IX_(6CJ?M8:8:;!MOU(RGU"PY(X,*X!,
M?A`55]8UO^3G.K:560%GK(CKCGYGWO?"(M\Y"ON[WY%.)4KZJ0GO!>3-3(]+
M<2ZQ%Z)8N59+BWV)H"SURZG!]CK9..-I(9LH$(+?DHC35!J!!B.?>VXV[&7)
M;6A29#O%"<F;K./7W%:T!'$,F@K@0HM5OM1K4K]J9*#H8ZYQJ"%L2%12DMQR
M;WKV2B.=6]U3O%QW5<5]S[JE`V_<K+/_`$'QZLYA`HUMDVN]V%W.J]0K)>#%
MK.O&IZ:[$S#H:6)=D3'U"FZJ9R,-,"H[UU<-QA:G%/K?DK>%<GDG&CXSA]O'
MYU@EXG6:84(!K;-#(&22T&Q6JN!:.1S6]O7`_5Q4:"R#E5?4ECWU2E0F5223
M*8O42/AYP$WZHI['Z1Z45;O^^*5JK9YS-]$L.;R]5L.G3IL&'=;I:YP&T4#I
M*6_!KTF!>="O$7K@V&U^O(&(XGK"%+@0.,@W+T9$6\G_`*\*M!TQXMIM=="1
MRMAQ>ZP[#L$AP547KQ$O8Z?G3#/[6.H0EEFSGU(=ZI4IAQB4\[)ZN`ZM@7[C
MK,OZSY]8JCFE9+$K9/D92?>L],N*B\%-LCD)\8K`*?ES&12!$^"9#FY$-]E<
M+X^LJ0M'$/M-/(&/)G(1SU[]1QVK#.ITPO7Q$>/H;&F9LW;[:MC3[Q=;;4C9
M@U=^O.R&2R;%+]>2O+"TI/W&G8:5..)0AQ$D99E@Z,&^E&,AQH<.,D7R",!B
M[;4HD.)<I\5J1F5S@"!Y?)2O8S3+AF@,M`8:XC<I3Q&(ZS]S4Q/R/?()R9%P
MWJ9@,LC=:C7K?HS%F!E:B>L4@/>R0ZT56XSJA*#+M\(Y$AQIL*PZ+39\MDOU
M#JXLIN=(<0RP\\ISH99)[MF7J_02V%L7LS#JI,`+!Y!CC!VYDH*B+(T5)K`8
M$VJ3-^A@DY&L7XW'I*E.O2I+*>J4\XUQ0)OS@BCXKU)LQ7+[/"VL>U$P(I#]
M;:V)@ZG`[57+);Y%=JD7.#X0D]+A'[=;DB8PII2>?LID9R1&:=ZV])2L/N_S
M\F]R'(/6.,JPYOG=EDW,OENF4NV6=$B^%;6?JUKHHR/7Z#62IAV6\XD720-?
M:&,"UN+^!,57)7%2EON.`V_5DWHGJQE62Z))OF.@Q>31+`[V9?Z;0`(2N5F_
M3QM;8JU/<-0AL*.W&A4X>N8[&BQDMM.3)BGW/JM'/J(Y-K#(\OTHP3M>BUR.
M&LH^,--]LX0B.N=CAG*_:FJW3:P+LX,NU/Y,'G`$7/Q,B"\E7_1-B<>^G>K<
MXH7DS(>].,=E2`<^7VX3"PF3>'29J5:)3Y6WP]+>"S+V)M4I;/?R1UC)5Z'*
M7^*F&_&>:[^,XPAUY#@G)D4&^@V#P8`(1)>T,T(KQ0D>A##-Y(R(JK!/H`[+
M&#3BH[422S)$9Z+9%QF6'&8GPI^]YEU_Z.\%Y,C&Z^C-?O\`78H?,R2Z$9G5
MIS,S=P?LEU_<#\P)-7!LX($1PY>'',=(]NLM4B'.4B/+6W&4MU'8S?@*7GR=
M&V_U[SJ\7]&D'V3KIU(*"`<BQ3LZ$$D,#`NFUP9/?&1U(0HK`![#88S;W%)^
MJ)_.J2I;+"FQ,O&""5OTRPJKQ9P>`$,2:I-EDYR:81.S)5:AR;#1[GG]L5&8
M^C9%;5N!7\JN>T_)>:[+E=>92RKG/`Y,C??0_#7UUQ9&3H97M<KJJHCDR[SV
MN&04=F[104,_P<S`_9?QB'HAAN&O_@MSLOCLKLE]EAUH7DS?S/3+&9=G=M:$
MV^&2D/&DRF8UHD]@R!%EKE1KMCKBH\IF4ID(:_@XZ<ZEE;<AN>AUQEUI$B0V
MZ')DOO7K-E^A`*'6S;5EBC<XKDZJ5CH.SE1$U@+-%!Q[3,J=&>Y*DRA<ZM"B
M<.3]R9,8H+COI7_Q6EP3+-7,]4LKFUB@5USMI3+SBYG]`!7#^0.R+E*MMRF&
MI]\*G"\Z/+9+=O,FQ35$&G&.,\Z\GL9$=3$?K(99&N^D^+O&R5C(.WHJ;.V<
MI;++/G7&?Q5E)$#66GXS9EB&W$B.Q0I'&*XJ+QIMEWO('>OK>5(DJ=%Y,R#G
MI5A)T4"%N#+*/55W04JLDQML+LDP9&M`L>K@,G$<D/2HLB9`%X574\_)9?:6
MN.ZM:%*?=ZH.3,(+Z/X=7"%3(@F[F/>IG*ZP%;7;9Q5C]:#IE*H,\//0<;*+
M(C[C6<VK[1GY5*>E/"&'T.-/*?<>#DR5T3U2R?/JV?JHC^8DA%@-YT9?19+H
M>/21[6220#V;@0TJ;*4Z,KM38K$)AF,CO_>TTKLA3SKKSC@G)^I'F_2O%8;E
MR4%1<*\U?(2$V-@+:9<=,BP1K+$M(N[1I#[4J?"MH@@.BML/-/)C=C16FW6'
M>(YWP.3.M$\^U*4_7JOISG/N5_E2OISZ?57><YSO>_\`KX(?WP!X`\`>`/`'
M@#P!X!'[*:K80>PNU3AL$88+!:NSPMUK\0@7M16)7P87XWDJ;?D&BQ!F*TUW
MG?D<=2G_`-?`.<6O8ST^9)6M,6_95^V8ALV*U*A0X;LTCTQ`KL=CKSL4:MVQ
M6`F,OHIM,)KLDB\P9BI^+J)37%C+$B`P?</U1-YW4])MO0PMHLS7[J!#OT^9
M:S2&3UN#Y/6[,#;#5\@LC*<=,BVG5PN+ECATQCLA+3/4]Z'&1=P+>_7>PFT4
MNMWBFFCI@V0H_*Z'CJGRR$NO0T<GL.PH<%SYJT.CR4L?L5\_4\<=2PE_KBN-
M]$P_4CM^W?UBHUW+TW1B=9!6G-@]'ORUG:?-7'%-7<M=H-5G5LQ^CD0YA]4J
MM&9#C(]QR;$C(D27$H9X\XD$F_0FMJ/8+GE)38K*W0@N?6Y:H[I1D"/F5<W'
MMK/[27-(NB1TL>\#+Q(OY<V=(_\`8]8;^>0[QM/W\#R_XE<J]EO5%JX0LG;L
MM5>)$NW00W'B5(A(IW)%0EUBE6T)(LS`)=00^Q-MD(2XSV3U#CW5P^_5QM;7
M!<2]3>3-L]6\TF$9,FU9S2WX=7E_GE61<</&[6L_,RZ?(#\-1!C,*6FIEH3\
M1`QMY;\5+2^H92TGJO!,29`#.\^NE?J*9J:I3WRT0G:;;7*/#$5_KQ*>`NY6
M@E[$&),P'*\Q:^H&294F+\R34:*T^F0RVIA_C8N&6=?]8]:\!D5VL7P[0,[D
M6",5EUD`L0Q&<(1EDV1A)P<-$C'N]_8G[>S"YSB.*F$B[49''),QMMT3RR(2
M=V],W"A$B];\>F&H`RH7V20:&"R)*2U*AU^'2B@Z9'&2))NP-0+L):A1HBGR
M4=DS"2EI"9D?CHN)$(S_`-Q?6Y=!I5@IJ*E77[/#S^:_313X`,[6:5>+N,#1
MK*2F1F(85(>OHO+!R:PA?'XD(FW(=;;3,;<<!Q><'3*-`RTMGJM<3*@SZ)/&
MJ+?R%=<)OND1Z^/!$/MBG!/3T_LQIY<9E"8RW)#3O$MI6ASGW"8><>Y3G-^]
M,Y)DH4;N>13#XF`#TB>48&#IA7[I06L?QPS&(,"W9)&TN@;V(;B1HZW2WP%H
MS:&OI(;2H7$C94_=\#1Z_"MJG<JV>9-?2,WC7'X$)`P\1LEGFUJ'WH\3`[^Y
M*7<@VGK;/([DJ4N0EM25.=[SP3#SCW/:%O\`ZI7(?5S\.Z9Q8A!F[+:K![]:
MU/%<O+8X/(BDFC#HQ<$43*"K*.4.(.NLI),DHOXCSW)3'R"XD0NL>WGJJ6)6
MJV-66CB6*M$"@ZW=DLQ'R%SH1.LY];8)*J-P![EC=IRR>AQ(<1M+?6)DIM3D
M;CB/^7`<6>F>WOTZ&99HYJNR*>SEV2Z25BWRS66NO]#M7]R7"*J.MFSHKO+8
M[)=N$=`\I$7+0ZW(;:CNJ3]O/`:EGSZF[F^QGKNJW"!8IVLV9\*]>!9TX(%L
M39.?I!"G[(58[#;&NFI;!PB&?B_:.;>2\4@OL*^Z3&=;;$XO&2'D]Q],;?5[
M;F$:\5^J5V1`JM.ES:T,(T>-R%JU4(F`[51L\(-!BM(=JDB:J=*@.\X%94_^
M6N+WB^\%Q+U+'SW8,.UJP7[+:?$KMJK6"B<[)R)K,&,7K<"?*(7P:)@@8<B$
MY\DFIJSA3C$V+QYASCS?XSJE-K^@F&O)`:+[4>MFE9Q5[_>E4BG_`+NI-[(-
M!6R"Y,DPJTU9E_QLZS)+U<4W*M_9IR)(7`A(D3XA$HA#/7_F:D/BM-/!NZO[
M->H!@Q]@FRTT,;E:H2`L+-4Z?4"!'3?U5=ADC+#IVOBI#DJ1%O(T:LROJ6G9
M))F#U_KS[;*PXR-O7C_K'[)2>-T*P`+<N(9S[5CLJDM28$6R/5@ORQYZ];S<
M(?&8L(]HNB,7B09$A?7VOQI7$+B/H4\'W1]2=V?7<"#VMB%;KE0(=VJ3=W>@
MM&WAW+$!16:Q4K#?5#%R6E3X7Z^I7@-)G?!WG5Q"4?JON2XGG@F'_(HJE>U/
MJQ;,WKQMI=`"T<W1R1&UA9S=?::J:WA^;<DTB=5>Q&2%FDFE7\7#92,A3(L]
MWX&VNN]>CI6+AEH87O6-;6W<ZI15AHA*F6"UUP_2>PVXDE(BL6PY08!M0U<&
M''=%&F*RE:6TI<7":<:C2>-.\^/@C31'W/8+TW[)+F';ODG9E7MQ6K%";@\?
M^6-M%BEG1MF2F6H9\ZVI<NEE6S,]I2HC7Z:;^8\CD*1UH7$B#/\`MAZ3:)RT
MACYD'(CU6#/+&';=F]G%1HZ7-`O68RW@Y`O6(RI1IVW`324I@K5-4RIZ6CGQ
M===2'&2+3H.T8A9M-8P+-55H\O.<Z;--OUW\.57ZH)"&:]71->$O(85$?2RY
MQK[%P7768SH]3+G4/-<2D1IXRR?U4WCESM%L@U=FID[A041:C:FVP#,4X%'K
M>+-CQJW)HV-+?KC\N*0;C.,*<'NOL2D-JZMMY*0\G%%)]Q\2LE5S2SCL(BUX
M9;MMT[`\H:-$L3K'&F*9+F#[(44LS:1,:FO&"8%Z&JL]5RP.3(WPN0^K3_Q&
M7%GO[(;?A5OIWL%2SM,T0K3<(+TZ-K)&E'*)08ME$6!B[2S0VLE[':Z^[<F0
MAL(0&2QT7K))ZS=XR/\`NF,J>9!)^&?18(P/C!A$81%[!%1QD!@9"['=B=AC
MVHK3<*+V+(2A^-V/&2E'QKYQ:/I].\YWG@P.2_<^I62[5?(@%>H$C3V9.T0E
MV*D\N)RAB2X)&8ZDGZV.SA(LSL`-!-KA2.)DM]C/2VF&_P#\*IKP91\'*E8]
M*-]"7/%C]BT4\=?`7*PV'0K/7=`Z@W*LR++GTVLW]]J]5VP-$QLNEU&8"("X
MG(3OX,]Z.GJVY\UQ`O)'ZV?U`WTE:M/G9PW5RY+2;%FEJ);`3L8BHZ+.L]#R
MQ%*K)Z3$&4B370#U5L(Q4R4L7`:DR8TYA$!<1UJ0OP%)>Y.(_K'N47UZW[/S
MLI5IM]\TJ'H6<-#]*GKB`ZU^[!GZKBQZ3<1!&$1SK+U"_P!/,B_$EFS@NN\Z
MF-)DK4D,K.?8KQ/JE[>'+Q>+B5/4BF%[0:IH<UVBW8^/I9JI'2N@4K53M=KK
M8!!Z!8@V,7B'(#O&9\^8]90C32'8,%N.K@<HFGL_J;K]'JI>_6"P0IDH<?B=
MNR%Z+ID[^78.,K-*:)Y!(>'"R\T>*MM@`2F9+S$)SK")?93JE)^5/D&5Z$P]
M2<;W5(JT6]@;-S$-J&)7L'7Y=SM9VVV_/S\V\V!_'85":."A=MKU,K]0)JE$
MXI7O5R)J8,B&S%6Y.;[1)HGOJ[ZH7C.];!ZM>*Y6:XP$H>B4VOUB#>S]_(5!
MVS0?7.,1DCSQB!"Y*A7VT9I9#TM'T2MIXHVZYQ4J5+^,1M-8*-@^E'LT8S>S
MTL6;HF6T>H^P]BT'"<3NR9>QAZ]69=EJI>'-9N00Y1I@6&')-6*?6A<ILQ^I
M8,(8[UCL:$T/%Y+/\C/(>G7L2Q-B'8`#,R\VA42SX37`Y"Z3H<#0JO<!^]0'
M=>.N\JDWE?*"5:]"6L.KDV0MG]VA$E:GXO7X.2+JV7TQL.B&J<^F>P:@T[,\
MKSV+((W2Y5_LEJJUW>X%Q?=#A)21_?Y&8MM3D.J7][DG];_V=^D1GBZ12*Q[
MZ=^RTIWI@A<0<BU]DQ'TV1VZ6"279ZU/WIYU3)%T1R6CB8VFPDI;2I*/MZ^W
M].(3SBYY,N2-5"])MT)]?66=%A%@Z:<9&I9V&^%N6OV$A@T1HOLV^M$6%T,:
MNII;4E4)SDA8Q<!#O>+<5S[1.2-S[4X%K+&H[!O=/@1`K46LU^Y`M!K]QN4B
MY$)F9Y?=8-<R*3F=="R5&!EGV"=7B*UL./<E1H3B76_F9B(71%K&"^;'E>U3
M<G]:<K77X=N`<*U&T^S<V7>^"[+++UX@#O2Q`)XL*)H)`3>G=<DD^I?8?X''
M]'QT\_.^>()E9;(-G_J[K$2I<$VX10X9:G__``HHE6=A'7R[5EKOJAL4VZG=
M/?><KT-RM&[W6+',9CC/I(>CNLJ;=E=0_P#<D7*S_G_Q))ZKXA[`85=+J.L$
M_I_,C-DLJFD$]3-V7\Z;9]*UO27M-K]7+`^P\_\`M$VD.#F`(+R&9TQ+\Y;G
M51N/D`DXOT]3Z"^#`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`J[8,U7JM-;K4:QS*B5'6JCW:OV.$/@EUB['G]P"W0$]($D>?ADQ
M[I(&VW)84IOKC"U\2MM?VK2*GAGSZJOH5(JKTF/<MYGPAM#OU5O&"3)@ND<G
M0;A5\]PJL?['MJ>C14<U*)',\E1WP:.-P4L$5K:<;6Y%Y#&7+/L2BM?UZA(,
ML?81^_7.Q$`]>0/KIPF$I9:0-L*+)GEO>(M2(D*-%;JRK5F\6?\`Q^&B'"Y*
M(D7%*4N0UV.'+]"7T/T$J.<%:3.JMR<#HHVE-78<9%4X&,T4A68#SLD;FYC1
MHTCA:=6'^2Y$$JCK/&2PE]3#K*7^<E^`YMEFZ=Z[JU:^Q-=INO$Z8>B@ZR-`
MSPH.KVT7!*5./LE;28:;+MR(L[DNJ[K9![\9?>MID]B2$]2J,MM\8IX\,U^Q
M^GU>U/&,ZPX;?+92ZAG5>8I\5IA@38FCM9CT*7GT5NP"C$;]03.AQ\A$T;,>
M9<;A$V4R.,+[SB>"J6'DBLCTG=_4#:X.V>T0*_5/]@0<^A.56K3Y55KEXM%/
MT2*!ESWV$JLB:KHE"%RHDF2VE]\6RY!D]>6ZJ9P.1$X_]>8I^U@K99=JO%HF
M!B)2P]Y/K]08<_DIZP'+"=6'>CCN-UBJDIQUU]0B`TRVN;]9+KKJNI2@.7@S
MSW]?57L%Y<MT[4[J[!Z;O%EB`9`VO3?TQ>^GM"-F8P`M+AN2@E<><T-]QZ#'
M0CLR=';DR'G._P#7P.1TEH^"@](O%:O)`\9&S:S%JD6/!@(@JARD5/9LSVF)
MV3V1'=?^LHSF,:&Y]JN<Y%DN]3]'.(4D1/!R_#_KP`"%UO\`1Z_<X+&?F0][
MS2-)`52>W5M6@QL_AE+H0<5`8?LHPW$SMAM0A];;$?A&=UMSBNPNPA>1X4G^
MM_/J3(>E-72=89DKM3,2S=FIM/)621<*](H*S!/]BB%&'L5:[1LX'H*`FH2(
MKJNN_1SC76F6@<FR\H'K"L?ZWQ_7V/IUH;_%),DXUK:BLMLQ8\:^MWF/1XU7
M_+7%9R=F.TFOIKWY76DUG_V''N(^B^"9\Y*E$_U]5`!3:)6@VDVV*6S6P!KG
M3[$X&JJTP[C6JUCX"NE)H".,B")8Z"_C4&0Y!;2PVZF7(90II/Q*:%Y>2]P?
MKF.%97E^93KI832LTO('04VJ1#"PBUC/!;9/N#G24,=!CBH48B3(N<6B*TU\
M;?TXCZ=Y]?!,^<G/!S^NVJEY%7XWK%YC!P#V;R)0"0.KA,7-E9=5\5K-?,#H
MLJ%R,"LLN-BD1$LBVV[(5"(RXS'6$J0M(RYFO/\`]:F=$I<\N*O]I&&BS&.)
M-=("@1T#89>"9[7LZS*6>!.L0E2.AQ,(Q\R8TF)V4FQ2D+5_T05Q@YLN&!Z8
MT"$",`OV'>-]N(.UT:?"KX0:0S:)`>S*>9J585&9_%16#I3,8JN,*:XJ)&=_
M';5U+3:N"<BMFOZ\J6.:L_*]?#-=FE;39;$&,BZ^(9.,0++83-KD4ZXEDNIF
MWJGM&+&0CJB+7!Z^)G2(KB^N/O27`YLUK?\`7%2D#Z&+D7R8<&4)()$$+9:1
M4R=>),-`C55N4(B!AM"1ZAMLKDV$VS&;2AH;(')6CCK+[\=8O-G1N">NR<,G
MV20C0;!=8$^J4#/*D+-":\-:I>>9A-O4JG5]J4%@Q)9\A':OLAJ40F*4[)XP
MTK[$*^_[QBWDYYF?UX`W[%6K)'V:^,D*#6*>,SJ5+#U4O/I]CHL3..5XO$ED
MQ\A#]78-Y?")NU[C34"1.GDG'5+5):[&&7+]"3V#T@Y;3I0Q8]DLTIJV$^/7
MP=!JU7@,V4%+EYG9#=>BR%LS)(!HC><S:FM26%*D1H)&5#YU?>19,83ECV)3
M1?5H_EVEY[<Z/IO8E>K]`IN57>L/58;#<O\`4*114@!!BQSAKK3!R^Q+`#%K
M@$WXZ'10=XE`:ZMJ2SR.#>4?C3?2C/M0V'NR%++:1IE9?)2[H4=T0H*\K-R)
M=RQPUHE#WY?8>MUUX2'L"?D^KL"OPN,]:6E:E`I-+!&"OH959;U0*B])N0:S
MY[5<]#4@Z@?79R!)[,6,R;J]EGBI0_L0PEQW,6/S8*^H8D-3I"$=97\+K0<B
M[,O]?!^;VEBYKMIFQG>B-,'D%S(0V!`FS-4UN?L5C),PH3/.P>LV$DXQ'92X
MI"(OV\7U:^??T1O)0-W_`*],ZNI&NF9UH(RB%95+8APK'7P5EJY`0;M&UG[2
M(.UQ]N$T5CFX>WSHB>J>3QG\&,M274JDM/B\L'E</0`);^ROS-.+N,M')A\"
M.)U*OE!`Z4G1]/OH&(3@_+"4=&"H&U6<0^TIQA4V+*B.]6T_#^]X.1<&*^K8
MW$[O*L(.[%9M1A5VUUBBYO\`Q^M"`%$&7J^\TNSLCYPJ"P4(,KM3CJ8++J^,
MP!WQ1DI5UKY5@WE&=A'K5#Q"YZQ=N7NP7<GJ;P5$M^QP1B2<.!7[/H]G%I)G
M(S?[2SE6EZ5(A=E2E\2B!!B,LLM):5]XC>2E(GHE)_C6^UTKM!&;SV9U<W>M
M9E1LVHT1F;52]<B5'M5K0B0P1$5RU*`#V$R;1QF01DR6TO?&CXXZ&!>7I^AE
M6K^OR@3Q.H5ZE76W5&N;`%JU7N(*Q2IFP#8%=K\[22TI5&AZL5L\2GVF><TJ
M20CE&FWE0)T=MUMGO5.<4')G>4"&V.@PA[+DAUJ#$CPVG9<AV5*=;C,H90Y)
ME/*6])D+2CG5N+[U2U=[WO?KWP8F7X`\`>`:<Q8J_7DPUGS@<&@A,;'P%F"<
M(8F=/>^OPP8:IK['),QWZ=^UI'W+5]/\<\C:7J>-VQKZZ3V+(04GA<I*.6_9
M9:R_T7DW'E/8>`:V49$02`L3-*#HA0VJ8D,-DS8[$\LH='_+()&Q'7$R)W8,
M3_M>XTE7QM_\E?3G^?!Y3NIKLA3.<5;9GC%M)RPLOBO5X7EX]%Y/R8.!*["Z
M1L!@6#'\>8C=GF"$09"Y(DN<9C,=E37F&./2'5<2A/W?<M7?ISG>^&TO477T
M:\/DV)PA7G&9-167Z>7A>3:?^?\`//\`/._^.^#U'@#P!X`\`UY(L+#1VI9<
ME`%17YPT6S)(RX\)ATF9(1A(<>T[)<;;7.*E9K,:,USO5OR'4-HYU:N<Z/.V
MZJF*G=*,(.48IMI+E)J,5Y]Y2:BEZMM)>6>;AL*R5C@G2XMHY+CKEQ0SD^(@
MK)BM_)\DF..4[R6]';^)7W+2CJ>?;WZ]_P`=\$=]*M5#G%7M94<KDU]4O5K]
M3:>#U(U5[E4KO"G$:=905I'C#)6N$)]?*0R\*(>!2E0C0=^5!>?8;(BIJ%,R
M&>J^]EU/4*YQ7.\\B:?H:VKNZF]"5FG;7;7&<H-PDI)2B\2BVLK,7X:]4_#)
M+Y39'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`*-]A
M0]_L-"&`LY+VD`6+Z5DL`Z:I<L</L@R@2-)K"-&E#YY.-+8@\32/SN.O-MJD
MM,]4ICJ7N-JX*L9\GS&G9-[>V8'30]^&WW0ELTZM'"Q6WMT22<@W8X&]7SMQ
M#QR8J()=@B8-R&VKK<&/Q,-M4=Q/.+;:B<0,\Q]O\>IC2J][UU8*4!4<5J%=
M+QP=L3F42JC\\8HR(+CFQ)ML[0./,.)DW[\5-375G)7R.2)GPJ_[$J+^0GV^
MYU<:%^P5<S-JNSBFX'@`#V6-#;!8:G*K9/<C/KWT8<EUHD&G\B,.%$<T"6);
MGKB,-E_XZU*0USJD?55)XS[>AR<U4?=#'\O&4W.PNT3_`-JP,N@B6B?7RKM`
MT-RW[T0D4A("`L6F31[$,C55,AB;*_3C%+^>5V0N2ZTL99BWY-9I]N]S:07H
M]:"WO5E[)?4EG,YKI$GF<ZI3;&9_^318Z&O(5Z*Q+ABQ(BMT]5=[\?&&T1?K
MV0OG32O`23\^Q],/52;HO,TB`].DWLU8QKQ`DQ9;U59-7(2@1VQV-ZOUN1PG
M/DFBYNG!X;,69,EL1G9*%,/=XOKJE>#!XSX.FO!!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@'R.]F+93Z'JGM3=-4!
MXK9[Q4L<I%L]=ZY[%_A\I%AS"N@CA730&=J(1IK2KN3OD&2T53!:<F]2Z$_+
M2J/R+SSQFTI-O&<>,_X_QX/R'\FW-3K^V[;=[6&E;O4Z55FG#<Q\4Z(0G*^%
M.4_]V5J:LXIR\T<UQX&,?V[3$&"TFZ>T1+&Z6>MOMG*#V-^OY0.%U.9@Q>M0
M<SRP?.L]0G1"G#0NPES)1$Q3Y8NU7TL1G([+<KCL<G[RPLO_`(>QA?WG:*Z<
MM[M):>E9;V#C-PH4:WJR@J:$YUM2Y1G9;/EFRQ4J,7&*GFO)'NE[)!(,0C8B
M#$`K0@T:%I]554QJ'9MZ]OJ@T?\`4$0A#T%,\4BE7U3-8D-)5Q<E4OGYO77D
M<5U\DUZ^WK_/T.;+\V_)J(1LV9*-NO!*^OXX^;>PKY]?'RLQ^*W%#7K+E]^6
MLF8L%>9GL`2J_?9/1E76K[ALCDDKSF:$K#6(D;T\SPS%_CP0G2)8ZL`[0?F*
MD<;?A2&78L-3<?XW'9,AQYY>KSE_]AZ2HWI_D,M7^Y[/[ZK>V<R_V7."77TR
M7",JG&$;)O.'%IQCB.&Y2=R^Q!P-9_6[UH]F=!L6-2+I1<X9U_\`U;LO`C&;
M[6]9LCB2[[41`TJ[(>#WC\*:XY7"<2,2<&R7.LNQ9$64^CMF\P4GC/KY]SM?
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MM$BT^SXFC4X7F&]:EENKQ;;Z[Z46N-OS^A8^3`YW<S%8I3><SV6#5O-&V00R
M)%-D@JXJ./\`&XKKCEY2QYEX\^?'^1MV?DO>5:=LMKM(:^G'5VKZ+U9J72LL
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M]I6@I^_EXGZ!!Z88=FTWX^K`O#QHN2$D*5'XW(<;XY-M)OW7CZ^3Q?>;_8_!
M1VN_PMIW^NA75QJ7[I?ON,[9+CR<FZ\?[3A"$JI/CB31>&X9%:M1]K]7GU8'
MG3CV=YSZBZ,JV%1)`CK@F=GFD[O?1E6RB5"C,H#+T&16^!R4M<YK[(,UY/XT
MGB^H\RE%RF\8\)?Q]_0[O>]/M=K^6;D]6&ORU];K[ODE%O8BZ;MJV,*&DN/R
MN'QSER6(RE]LLX*[]=-J]D]=+X=!/;8J#5]3,`S1^;636&7.[12[>+:!=[M0
M51:_2GX.;5%-G""7!\,G&D66*V@A#>E*^B'&L82G+&7Z_P`/IZ'-_'>[_)NX
MNT*]C>XZFW.,IN$M6RU2_;76VU8C6U37SA6X1FG=%?)"4_1JO<,UK0,WSC.*
MV/VXU$(T\+ZXOYGEIB+G*Y.\HV?=[76='CRFOXA%L1U@0,94-@=!NPG`3T-4
MZ<J0AWZ>2,FDO/TPO'G)S^B[CL.MZS6UJ]V:LIKTW11)4YVOW.U9"Y/_`&U.
M?&*X1^)Q=3B[)\DR8PM5]F9]8IAM/LW;6Y\[%?5K49KC-`QY4&?8/8'V!DYC
M88KD)RBKXBN`:4UU`N,VM#O"*N3)#S_4_#W+,VD\^R^GNS;K[;\GLU*;_P"Z
M7?)+1T;V_BU\.>WM_!-8^+^B%7B$4\\_ODY8P9Q'VLT4#9ZS2?\`;%BDVC.-
MTB4`X_:RN/5H3I=&.^XEDPD&W*K7:#VW:7>?X77)+)!VMKK\`0^AB:\I3KJV
MN3DTTLO*?Z>?./IY_E@];?RWL:-JO2_=6/:UM]52YRUX1NJGV,]6*X?%\EUO
MQ0DI.EU1K:C.3RVCQ#[WN`@3C<.^>Q9H?6]SHF$7/1M:)5?+A'<6:N\_2())
M=1>34&JQ7A%S+`@-=;F'HY5L?-G_`)*%)>?YSCE)>LO#QY\>/X?_`(F-'Y!W
MM-6C#?[&<=;?U]6R[8E71']O\LKE+X_]OA"-DHU4J5JFH2ER6)2+=]<-IVR^
M^RMAK<C1PMHS:LG=%IDT*9NF1.&2E-JPBM.9=IE<J-6KHN_S3=T;E(+D2KC_
M`/'IT$\A<.,RTU$3RPE)SQGQ_+_/Z^3L_C?=]WV'Y)9K2V86];59=6XRLU^4
MJX1A\%T*X0C:Y6>+)V9^*4;DX12C#'U&\]S]2'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@&H<KX%XU&LKP00[8X<%X9#/N#8:S4
M4;(<^5\?&*J9[.8@ON_\EM)<XVI7^>\[WP#;^`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`:HJ!!G4Q4'`PHRB#*
M;G0D%1T,BF'.9^OQ3(J9;+W(\IKZ]^UQ'T6G_P!.^,)^IY6T47I*^$)J+RN2
M3P_JL^C_`%/[-!A"3"8I$.+GQD3FR:(\T?$E,))-._D-$$LOLN-IG-/]^]+O
M.?(E?^>=^O\`GQA,3HILCQLA&4>7+#2:S]?/O^OJ9*X$%U;KCL*(XM]<1UY:
MXS*UO.0'./07'5*1WKBX;R>+:[WZ];5SZI^G?!DZZVVW%-O&?"]O3_+V^AXI
M#B$SY!5(L<DG+;::E$4P8W)\EJ.VXRPW(F<:_(>;99>6A'%*[Q*5]YS_`!WO
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M*BU;U]K.IUA%*_D%AS^HROWK=D`9^-H(^+:HMDBIA%D3Y!ZD6,B#).Q.O-MD
MPKXLLPF4]UN4E2DJ1C*"DL>B./VWX]K=MJ_LG99KZ;Y*<*E4E-36)9<JYRC+
M&4IUN$TI2Q+.&I5GN35W."MZ-B998B3OQD60(/EUC>I$!ZZ"@UNJ4T`R+&"V
M8=5JPB#]L1MWC\I3K[[S[[SCJE>9))9?U-KKNHUNMNV+Z7.5NQ.+;EQ^V,(*
M%=<%&,4JZXK[4\RRY.4FWDG48""A/2)$,*)B2)<YTG*?C#H;#TDD_P!^Y\A(
M=:90MZ<\KGU6ZKO7%=_\]\N#?CKT0;E"$%)RY-I)9;]6_'J_KZA8`$Y*B3G`
MHER:/0^W`F+&PU2H3<J0W*DHB2%,]=C(D2F4.+XCJ>+<1Q7?KWG.^,+U]RO7
MH<E-PASCZ/"RLO+P_;+\^/<V*664NN/I::2^\AIMUY+:>.NML]<ZRAQSG/O6
MAKKR^IYWO>)^[OT_\]\'IQBFY)+D_?\`AZ?]IKH0$&->DR1P43`D39SY28_"
M'0XKTLG);ZU)(R76&6UOSI#2NI6\OO7%I[].][SQA'G"BBMN5<(1E*3DVDEF
M3]6\>K?N_4_70854D;-4'%JF!N2DAY?1\3LD2F<WQJ:D:_UGY8/)C7/M=XUU
M'R)_PKZ\\#X*.49\(<X9XO"S'/KQ?MGWQZGOP:.2E*.0(7$H:CL(3R*QQ*6(
M;OSQ&4\XW]$M17^_>VGG^$+_`,I^G?!E\56,<8XPEZ+T7E+^3\KZ&,\!!R)4
M6:^&$OS8*IBX4MX=#<E0UD74/D%19"V5.QU3GFDK>ZCO.NJ3SJOKWG/&$8O7
MHE)3E"#G'.'A96?+P\>,OU^ON>D@*'EQ7H,H2-DPI$+HR1#D08KT5\:K[N='
MO1W&E-.PN\5WZM*YUO\`SW_'C"$J:91<)0BX./%II8:^F/I^GH>,6NU^#-:)
M000>&19&L!69\49"CS60\7O.QA+4IEA#[8V/U//C8XKC2/I_A//&$2&OKUS5
MD*X*Q1XIJ*345Z1SC.%]/0W'@]AX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@'#ONK>+KE@_,M#JE^N5?@!C6DS;/2@#E'C!=`$T3U_V/
M98X,T0LU"MYH4F:;S&'&=DC7HKJ(#\GG.=<4AQH912?@@$_W1T*S7NTT_(ZK
MDAX>#O=5SF#93E_-OPB!RY:7?*'#(<;K%<*1E#P4//)LF6RF3\[LMQN*GK?$
MN/IA5'ZE7UG^P6[RX1:Z1,\'%J8/%TR^VL41NC\ZX1(6BC\]&!:EFT011X`V
M4V,-6A3ZNDWU//H0I"%]4^A+`.*+F%^TFK6C#;U=Q'^AHETI6Z8CFG3`RVG[
MEE,VNZ<KU_.%)[Y6/$!%(186"V9Z%U'U6TB3#1)[W['/A12<5D_-/]VS1C*]
MNTLM3*A)YF^45;9P0RJW261CQ05X?T"&,I&GDI`%':?=J:]G[C]D4TS)9@Q)
M?%I:5UE7'`X^<$1,>[.JAK4FCL5K#+-8)5RJ>2CGPFB6-$"1>;&)RBR+O\B,
MBN%"#&,MC=4;@-R6^/3%%HB$?Y3,1Q@7BC?5+WBN9C"_8K<3>,O#@V2,3YM+
MALFD\>M'(9RS5B:'L##K2R`$A6B-<;EE9'6/QFHL_C;?%NQ)'>B<?*7N5R9_
ML.T`/-`UU>94O^9DQ+X(I7R=H*B&`>BO&'%5B;,)-#RZI--MM)[%-)CP6)T\
M8R0:8F.(E(6QT7BC\73WMU:I*FN&Z!2ED!9J]R*G!KM]*1`UE@U/_P"4-):A
M7IXO1IY"#'(V3#622>#N?)%1.2A2W_PUIFP<?\?Y&42]^]:AGB-3&Y=EANVU
MFRW#-"E;=U"15REQT"O1/81Z$6SS^0AF(#M(?D81UA]4]]AUM^=(;^7G1_>R
MJ.*.E37M(T_Z^9OK%"G4*S%='L6>4=@R8G'*MGE9LETF1(,Z?;.$(:K0!'B7
MG5(1!DM-37I3L:.I;?7N.\$QYPSG<#_8D>N\.@#JA0**Q>-!,B`L,">T*7U@
M2V6G^K(QNQ2>#*X\6GUQY[V*>D0WT1FDSHL"+U*F^S>]8%XX_P`?Q)O['>[]
MBPO1#U:A4VCF@=98##9\<]=IM;N10W9<OTW2!UD#C$`B<-6;@.9\F*7GJ4IR
M.TJ=(2GZ#^M2!%%-%%:/_85;NASM'&QZ;`N#$'7J-8;-239&9&`W6I5_9S%2
MN]))G1S`RP5FP1\<E_\`LFT2Y<.1V0F0ZA,-*I@JC_D=::_[(F\IW0/45CX:
MJ.5E84*M]G-E_E'TQC3++JU:$O":F($\LL\K:[,!'BU3/R9<"$MZ.[)9C1T/
M/K$2RBH]?]S=1R/3]PK+XK'BM<H4AZP55@U9#E3.OU&F8A5M1N-<G251"T,I
M?[L1/KCUE#+3,?C,.8M[CWXW4*%44UDE'M#[SI]>+T(K<"KBK>RNF2#UD#RR
M)"N6`#/)TK4[E4)$N?)@R17Z*4SDY!)#D9J=*@1$2)CR&FXS;<L11RBK5^TN
MTU:VZ+#N<RBVFL3]+H=;!$LIM<U^4&,,Y]ZXV<Z-J73=5*"R5(.1KO.[SCRW
M"3D^2ZA*F6UMN,PN%X-*._LQO$6@0;S;,!1"Y=:O8+ODXL;;TOR[P&I-.!ZO
MH8GX>#I<H:9IF9E97>N.MI20G"WEMLMQW$?;1P_4FFZ[UNQST4/[0.?BXA;:
M[;8D^TR`%HI\(M9\HJ]R0JSR,DL%XCFJP$N-QI<9;HE@VQ].R>+BNN1OE1-9
M!)<L$MQSV@L^I>Y#]"BD+H.R25Z\E;+3*S:LEL]6DV0I7[%E_9&LOW,S31,&
M9&L4707AT2!!G+B-MCNR%-\=DI0T(UB/ZY.8ZG[HZS9*7C5:)6,$]:I]/Q6Q
MD+_G-OA6$(>'W2VX6Q,%6UJ?5VUHT=F":(M%6(;\:+%:)MK2A?S-\8AEQ626
MU+WUOE6HK,H@+K]TD56L4(E:%W*[MB[K>B6@P9`(3W,Q(>I,PY8NKG:^\2L7
M)'7W8@Z9]R'%]1_FDXY.DIOLQ>H>&6>^W"O`Q5RS[6Z!4#0ZA6F2]72\:PLY
MM;V&HQ:S5-1%,)P%?F8$YM4-IY]QAY3#K''6EMB<5G"/(7[:7W_1%GOUCI^>
MB+Z&TO(,T:;;MYG_`%>,E;A7L6M%:LEFLTT!$,P`%3'[9%:)*Y$2J6^/5UKK
M"9*/A#CYQ[$"5[Q:.FVCZK$I>4'WC5NNU>B<KU[/$"H.!D%K.5&^D+(&CUN0
M\S/T%P`Z1H\5#G$SX:^)D/)ZA3O1>/C)M`ONYH1'U2[[`$,@B"SQ_0,XIE&$
M(-J)U\B+UA^@M@+63>B?0K'@UN1>7($MA28[I&8+4MCX6)C"D"<5G&2+#??^
M]'[_`%?.Q&;4Z)8;>[GP=4$Y:R+"J%<)AG.`FJ5BPR!XV<JTR*C*T+B84H8R
MV-EO1.-<E*^9:XPO'QDC@OWLU\X1SR!_`Z*.N]V'T/H4+'OI:1GK43;YGJZ[
M5YEG?=HJ;02-4F#LTOB_PE1(TOL?J>)_]VE<(.*_D8?_`.<?T<A$01#9GF/P
M/5:?.E!I>C$'+G7Y=6K.)VV[W-VK?I($BT4$>#UN0^/CPG6BY-(MA#"%ODFF
M8X<4?5^LGA]IK=?LXF9'(BK&#$GAA"(B0W$G#R\".0A3(J);3$M$>5&D)6CC
MJ$.<2KGW)YWZ\\&!O/`'@#P#@OV%]HKKB.]`:FD:`(YP:PJX%([3\64W8I6\
M3K`Q!QNN1R:)W(WZ>\.!B0;D;\;K[I:9!XAU/.J0H9*.5G]2HL__`+!;4JJY
M%7;-GPC0M8N>>Y,R3*4<[,K5(E[-;BN*UNVUB>\8`E1=+'BIFT02K;#14Z5:
M%I[\\1M3L3LD7C_D3DO[P]LU$K)*H5HE4K#9+Q1*^M9.2#-MBVG5^OEFN4)3
M*.J:F_,`V-T8P^GB?H_'_(YQ'%M\X)QQZE6Y1[QZ<4M4&M'*1:;J1U,Q2.T'
M]$/:+0J/G<_-O7E,J_6412Z([(BS'KWM_"AN+/,=@P`\63V--3V,Q'FBN*P6
MS9O8O78'KA[',"XL!KV"P`7%IJIIY^)6BMH,*^*OQMJ=J4^HD`%8J=\F0IYJ
MLI:2=&3(C26G5H?:F0XPF%E?1GX'>_0N#+6&L&;6-KJZA>+O53';16R#UKI.
M>UW9Y\\^<9ACQ,:KGC!7$)K21_&UMMM$8SW5MK1*BQ87B6G&]IC)3-PMV"9/
M)F'+SMMMQ?,JC,NX<=RS2:<6N@XE93MA_6RX52@28V<&9+$?K4U]26H[:_L<
MD*2S28\X*6$_V'2#8"/:A^#G.@^BI=JG?/H%806CTP)%R%BSEH@]F')C$3`V
MR;,/A1AZ9*/S684R1QYK_P!DS-%X_J>$?^Q+ESE1:_E>1RS-M>NV4"'(5NM\
M"N!^4R[67+*/;[8V1'C#LSKU,TZ^SZ<J-V+]7#P*4KJN1T\^X./U)?C_`+:Z
M`;PJY6RV9.>L^DYSG]$N_0%.FPSDO1@E^070!.0A]=#.RP,I2J_-DSQD6$3E
M0X32>QTS)"^1N"./GP:45[UV&65/-/9I1YM9Z[8"%)NH#7W"M:L=:$T[UWG!
M'DN1*!*.DS=XO?L8'$B(8L=.D2DJ[U+?9/&XSXO$APS^QVPR933KOKW8R,&Q
MSJE%HX2K$;%8KW/YRA3[EJ,8O6!U#DS8!>JR8/X8F,M#*2KCR/RW!G..=;#B
M9I[^Q#HET"9G9A818.PBZS8J!"@EQ-E7I%=U:38@663#2`XR;8Z'-?-@4K(1
M(T$L_&:D\^SDI2%-^!Q+DI7N7_(Z[K)VSY';<W(9;CR-?;HMW?EU_0;B&AU9
M\Z?FUZOGZ^$C*J8\RPH,R47+^;L]M7)L,?Q3'SB.)#D>\MH59B&?N8%*CZ`'
MG4RN%Q3^H5_M>C7+3C`%C.0L>S1P<AR:,)UT\DD3GIA<_6JCN16V9CZF./!Q
M_4A%9]^S6@Z3CLFO9_.!9':SI+.;`^4/5N389VG32^#@.#D"V6'7H8&DDM;<
M^A&-,=;+_AO=2TAI<)V0+QPG]21DO[!U?Q:1<ZQB-BLP-RZB,I!-1+$[+L)_
M6)U'[J4^LQ:U5JG;2R`4'/D=>:*)0ZN42ZB,F*B.KLY(<3=4[W%L5NM-_MSM
M!,5W'ZA@VI:0!$EY@EF]6@OE.@E:9:6C=?=BQR%"+0"59FPT09,F4VXEUMQQ
M3+R'6&Q''V]\FI&^_9DQ9U44=Z^6ARVRSE;H05R39'8=#7JA4#5;4;II[2GJ
M?RJBXPFNV=Q^))A.%9A18F:VW!;[R)V6'%>N3PG_`-B,(5+0V1QH\B%.CW*U
M!YD6Y`)3DO,,W&;3-O=MG0U1&'19Z`_B$]J`%[UU<Y)"&I<F,I,UN&+Q_4EE
M9]FM=A5C0R=NRV"0OG/9^O8A3,W@WZO,BPL6TYWFUA&**:"R#;9F0(\FPRYL
MAW]<Y.2AW\=MEY3;?WB-+V],$'HO]C'-5F#XV;8%>3,>P6&L4ZNF3Q)VK5OM
MN(P`LZT!K%:)59FUL<JO(,J[#X-EF9)9H?,=0PPA#'9`KACU(9DOOS?F<FS4
MA>\P(72WVENB4YX[%N]/%QS>X:#6\ZT5-29'Q*L`C`Z&)I^J1.QS"V7'DJ@.
M1GF7G/BG3`<?/@LF-[]S8A.7RYXTW1ZLC]RU!N!74@4R`],9B[PNL-D8(X`_
M-&,6.=Z['&5]3R0_&Y-%_&S)>DR&(8<30K_LCB0(,PN;P^T#`P3DJNV*0NS0
MHA*'IZ.;2B!3(5?L@2MF>")DO$9S;I8JT'7"_81%/PT<Y,_$#@2"Q>^5DJY_
M0:P2]=+C)GY6V'@:'8P9&R&LUI-A?'YI9;*[9[[$S7\2'1:O2]/BDW2L>/+G
MJ;'$%/#(T:.B6\''/N3_`-@/=FGX">!02%><NH,E47K,5*4\UV?.!+GUF]66
ME-S&/TO:M%#7=.>SX\*=.-C^N.<ZXRP_'8ENQQ%')$[3[L7.DD+8#LN!<9/4
M1HG*L\<=K`*6,1!IV2AMJTB0')RZT,=(.5NG6D4S!;?CP_VI.6XW]8T:,[,\
M#CGT9)J#[G,770:K1R6:DJ(BRW>^TN00N1F:*F5PI7!XTS1ZV?%N53\<?HFK
MULATZ$$N3$PI]>:5,@D9SG%1D@XX13&X^\5D@&+W2\WB10A.C3;;(B7-M*[1
M7+>&"9O[%-2F(SABM"!T<W5=1R-IJ<R/D%HS?6EQG92'^28S<*H^[_QZ'U&\
MI@/`'@#P!X`\`>`/`'@%2[3LE5PJG0[W=5.LUQZZ4&F39K:FTH&.Z!<0U,@$
MY'%]^]Z-#(&VE+::2M]WG_!I"W%)3T5)MX1MZ?K68Z#V!RC7ZIVWI6$4)#N5
M\W`*]FP`G\<_;S(_X;SOR1QO\O%_,KG^$?L&/K_^$3]1,-'-97W?I]>GV()9
M,MU@)9*,8,)T6OO,9^1E4.A@@N>6,EJAF>%OY,)/J4(+JP%YZ*.E33S?93G/
MUZN,.*\&7'^!EWCW!R\`\2#G*1:7[(+W8O@P>M6GF>4]RP66!0!%Q)VD(8T*
MZ5ZLQJ7.IMO:;B2I<R),*+F(CQHSOY3/'0XO_@7M8)>.8C3_`-Z<A4S.J6$6
M/:2^P"'BQ0I3;\AV!QJ,*@_9&1">E/.\4A'$1TJ==[U*?O5X)Y95!SV*]30`
M?0'4Z3F$3^`(B#[0D'.$-D!1'DB1$$0H*X+#BWRD(F'4EK\;CRH+T;[E_'\?
MUX+B1%<6[ZR9SB=:8DE0(:O;T+IVM%!6JE:Q(GV>;K;^>4BO_N8;4:#5I3LH
MR?KE=9:A16XKDQV*VE*WG_O<!Y;_`(%V4+0,`L-DM='S:PYL1LLK\^V7(!4^
MA>RB;TR1'&&31MD<TELL0^9Z,W/<<ZZ^VF3&^?[4R&.N">?4KZ#K?IQ5Y?V#
M[)BE8GB6S=+0TS`KP"?`'YRPQ=RX5EG\"')8KU8:DM%$_9SD%"G6WVN]4M"N
MBXD24GK/K'1L_P"ZL4M>65;.]6*.(EV]](46'O1R6,*N3VS+_([2S)=@.`G]
MG)EI6_%CP)/Y'&T1W?L$P\X]RMS&W^H%.IB;]5D96<6,S^^/T<?4@E<CDSPC
M*(5AL16BU:7P?&BP9#$L+-5$'K=82MY+KK2%<2M?!<2)&3]C_5^!+XFSVW+Q
M0V1T=&$G21>GRH)DT5)Z/%-!X#,:5+)<6`E5`TZ0ENL-P/MY,<2^OD>=UD3#
M-!*$>I^TZF8M[]SJ=W,X$-/HM5+43K\RH5'IK^>@+!9;,'<&_+);G*78H4E;
MTET2],BRNN-*FP^N,B_<D855V_T-[2;X.JEZQ&90ICW+9?0L5P82`$'C\H(#
M8DS@;[$F.1[,5T4PQ%:9<XB,_`^-I+#\3JPQ(L-S6/509:)4GECRABXHY0PG
M)D2"(=L!2.?XW+H$(-,AP7)]C'*1$X]$[!7)CQ$,=<[UI+2E)$Q(A-V)>J9C
M5LZUBZ:E7"-CA@B+&=@)-C#S`4UDM6K]#)&QHF-"=+&.R:>U86W&U2'1O8[#
M[RH_RL\>0+YQ@@\CV@]0Q1*UB@-?SXD5S'(XMHHT$.'J42;::9-@7@D5J-#8
M?BQ71;HERD%FI@ISD9:7HLKZL_\`MI/QAQ9T>O1?76X1K?>)5CR^P1L+(SIU
MOM9)0*:G,YU6ADI,TS,,3VE*`MAH?)O?SD.(:;XB2E+GU0]Q(F'_`)E?F?8#
MTR+)Y9#UZQHO(5""VKLTE'#$S26JU;2M1K1!V/(@/F6B0:Z+GPAK:F^2V9O)
M28Z>*2]]`Q+T-B7]A?4%RWI?,Z5C,V[AQ`J+"(R)M?(GD!;I(K<(6/!EN-R)
M4Z)8)=\$,\C0G7..N&8B%(^Z6SQP,2_D?D'N/I^)@,":W>,9&"0SUJ=8@!/T
M$(2%;H0F`:LY?X8,5J`)$!@ZX<C]AWXX;C+L;K3J^.L?<+B1MRNG^MF8P\R)
MD'Z93A>SV<\]12J*JD.-*V(A2+!>+.>*S6Q$9BO.S:?69KQ`@2[%XM#?QON?
M7O$^"8;-`,T7TRO%)#T:"<P<UGYJP"0P>BR8M217'[21E6VP!13=/(1&8D:P
M2I=",SX["XJ)*EC)#Z>?5M2_`Q)>?)*$>S?K2Y*9F]US.&IG9@^MPYDLQ`B2
M'U6`23M$&./DR^,N2@\\-59T[LAE2X7&14IQ;G.0W^M!Q9!L+W/UBU4L>JV8
M1J*Q-A7.U,CAP@*'8795A(-4GG;RQ"'P&W($620>9B?/.1'?DRA2^(^3\?G4
MBM->I+3^J^K00S.9L9_+X5BSPQ%JBHY`8-_>@C%_8E"&Q`*.L>HD\NS10LF,
M_P`'I<0ZT/D(>[]L5[C8F&0>A^W?KMHE#$W%DI5!U<*1R1*XQ2Y2JMO4TP!A
M!EMC3P=R8D@:,/\`Y,:-$4-CSN./-H:0K[N(YT7#R3$[O?K9VJ0GG+;EA^BW
M=1V&8<4?I*:R]7JS58,ZVECC)>?%A%0]:K#HY$YE*)#S4.3'^K7P\^J1,/\`
MF8M8VOU#28J+53N6.PSVH3H0NJ($M`QI6T%*J[-IP49SC,2-+_8BEPY0X:Q(
M^QW[&'F8J>I;<XD,2(58?8WU*I5T)^O)9NC!(<^UF:K?A!"M#@E(A7$K6:E>
MFQ]@B3A<4*<>MH2XL279:$R(Z.M.]E.HZCOC]"XD_),H&P^J8[3`%&"3:$WI
MMPM)#/QT('4D_N';%G-969_4E"$`)S];'"5T1W@]Z4ZW%6B-\45:NM=2D3#Q
M^AL3V]^JU1L%DKYZ_P"5B+/GL8>\>$.N"OW(-N/.JHL>Q'B,1W)<B5!)E@L9
M,>)QUZ/(?AM=0A:F4^!B12=EYZDD-='W=Y\%KMPL0W,Z"&IW7:P>J0*BZL;H
M@\39:^*>&-#SE;=>Z&F.N\D$FX/)#:HR8W9W>/B^<?0[_2E*$I0A*4H2GB4I
M3SB4I2GGT2E*>?3G$\YS_'/!B1^TVZJ4<-(L=UL]>I]>B.1FI9ZTFAM?#179
MC[<6(U(*%I,2"RY*E.H;;2I?.K<5Q*?KWO.>`5;5O8O*[2SL!1%F#@ZMB-[?
MSFZW2Q6.IC:M'LD$2!)DV_V/+`^L7&&NV./$6HFW`6Y*^[C2'&NH=6+AK'ZD
M]GZ5G(H<X7*7^DC1+2$..E)]J!0QS2'6@S[:W)LB>W&0AQFQ#UI[U7.=3.C]
MY_AYO[A,,IG9+_Z[5>Z5$5H@NGVG1C+@R:!"*C5$Q<AL"BOE-/K]H=&F",4F
M.!5ZQ4U<R"02GXHQ=II2%)=^BN"I/V]#2?P[TXIMSA6'^&8G73$:NU0C%O:H
MM&&"Q4&&9H[%"B-F'9;"1Q`J1&`G176T)_-_60^H<6J-&XD7,L'@.K?I@@YR
MW3:KAU2NT"G?G2&[*W0@ML"4.KV*")9-2X3DU;HRM13E4@-\G?\`%GJX$-M;
MGW1F4-B?<2P55?58S-JDNJB<=-FJ2%A:?2&J?(JDHR,KO106M"[6`;"RTR%5
MN<.IPV$Q(YWH]_HN*C[N]C,_&'DRJ,,];K9_L&!4Q6;$CF@1Q%PU^IQW:X9M
MDQ1J.HB*_P!A!(<TI/9[Q4EWK##_`#L=+SCW6>=ZM:E!Y.4#%O\`0HRLV`NF
M!,PBERU"4K3ZO;<1=:)UX^U'K25WO4(JX4B.&IQ2+O8WJYKCBXKR;=(Z^WSY
M2O6AE]WU)%M5X]>;KA-^J<85;JUFE'VBPT3038/"HAT5G5JKI>/:KC="E;NU
M7F16*STE9?S^6&)!D?,N3V;'4\SUQQ0)//ZG30/U@P8'6\XK"<RJ16'E*Q$N
MES30,9/*CBX8:!&,'G)OXC79!F2W5QSTAWJ><>E08[W4_)'94V,<LW+WKWA;
MS!".K(\];;*PI8Z?V-5`\1Z3"GWZ9JLN,J3%BLR$-OZ81?L"OM7SO[EU4S_\
M8[USP,LW;^09=(`FJPJAUED#8@0:LFQL(7''L$:_7>RE`!#ZH"8SOX(14Y[L
M1"5<Y'ZZKJ/MZKO@99&>>MF`IBF83>/9ZS#L`.#6BT5BL#(\>2#&1*M!&CD,
ML,-MQ&8$:C!$L]9XVMOH>$I/>*BL=0')F-SUA]>4-"V&<:SV(T$35T!T0:V/
M@<%<I:SBZOT?V$TQV&H.BS$&FU-_;U4>8\ROJFEJ1T,OZE=43TKQ:IDM2+6"
MO`K]*U8DJ0:CG*51Q0@>,2FP(:&BPU9KP>"B2]RT352YRTKF2UNIZI:>-M\2
M+R989#UJQQ^M:+70U,$U5[3LVFY18[$"A14V+^'2J](K;`Z(0(,S_L:@07^+
M0VM*V7'FT+=0XI/@F6!7K#Z_AZ2[GD/(Z*FIRA4(//%]KP_B2,0<9[9(*ICR
M&4R'),*Q]_/8=^_CD>7Q+K2D*0CJ0RS\2?5KUPER9LM[#\Q_*GU<?2Y#[50#
M1W>5<4T"9&AXJX\5KL&/!:JPI+76/C<0D5"YQ7_M(_QAEG@]ZH>M3T5,'_1^
M;1X:*\`JC46#5QHYA@!5)+,JL0(S4!F,B-RO.QT<A.M\2]%;3QMM:6_^/@99
M*QF$XR&,76P"LOH\`WHXN2#O9.-7!C<NUA9W%_GB3;O(_P!9HT@X\X[(85_U
M/ONN.N)4ZXXM099K#GKCA%E=L[Q[)Z.3<N<`".M/9(*)WAIBK='=K3TQ"4)0
MHB!_30N1)B>)EQTPH_$.<XPUQ`99EA_7[#J^1+EPV2Y\/)'R,DL9FQZJ'X^1
M(3`Y\!-D2%*BJ^[\X1;"K+Z.?1#W"DQ2^*5*?4X&60DYZC8"8S\5E<3.Z[7,
M\'Z$#TR;4J\)'#Q%@LP'X?Q9)UG\5Q<UQS\.-]S_`-R97/Q&?L=3QM/T#D\Y
M]R?A\,QRO'5V8#F5*#'%\KO_`+X97Q\%3;E2&H#5J0PQ&9;BQY80.TW$CO-H
M2ZB*TVUQ7QMH2D,LPHWKSA4,W$LD3(\^C'(`.N5N$28JPEJ1$!U&2%EU@?&Z
MB-Q##0)ZMCOQE)YQ;2!\5'%?9'92@,LSRV'8V>'21!K+Z(4&3&7&)4&=61,B
M,\TZU<6%I6TY%4GZ_%H1WG.\_P"2>EY?>=YU]SJ@RS`&^O&$B`JJV.R#.HX%
MSDGCXCM2"O0)?9HZV"9RYL:1$=;G.SQM\-LR%O<6I]!:9QSJOR'?N#+-"KU3
M]<E#Y8I6.4?HXB"$UHG#Z)1UDJ#!R(\D4/+)^_ZE&HG8C3?%2/D6N.TAA2E,
MH2WP.3)58<)Q>VV05;K1E="L%D"`G:P*+&*N((R(5>>'F!*@S2945UGHY(FQ
M$8B&E)ZEN*1E,IYQN2^E899H?_C'Z]*K`^F.XYGTBK"SD&R00DNN0)D)HZ-%
MH!1"2D2FGEOR$`&^#U?)U:71_/QE\4QWK?@9?J9PKUVPP'985R%972X5J'6$
MU;(1]H+&Z38LU@CMPRAWDIQ*W%E'8;26&GE?5<9C_K9ZVCO4]#+/XWZY8*T7
MLY]&/9U^ZN<J7-M1-54$+F'9,]BPQIRR#RXJE.IF-VXMUU/^$..%9CBN=7*?
M4X&671X(/`'@#P!X`\`>`/`'@%2;5F4S5Z;#KPNW2*,:#7;/[Z!LC`8=840S
M>>W(+<1D><%)K:C$11.4&3%E-I=8?_'>7UEYE[B'4"IX.>_6'U6<P?1=6L?Y
M4R0(*5;,:-47R,P9)DDY=;!/2M'T?@L5#BPZW)TFQ38+4N!Q2^?6NLN(2VVM
M"/!9/)%&?2.6Y7856M.]$C-A/2]38T*SL4BKA[-K5!UXE0BVK!+`VJ;/;9/D
MB%%$QXIF"AE`02E`^+$;CHC<9#E[X-WL_IC1MQ;LYMK0>BB-KO-KLKASM?J5
MQ@C0VF894<!NE:#PS33P]B86J5:CRAY)7WR(9!WG>HD1E.1G04FB<Z1Z[7#8
M</'Y3<--<KQ.%9#\E\G5QLDB#+TM]RX@ZM3[.'*D(;UJ2#I9^`XX]*>^*38A
M3$]YEUE*HC@B>'D@?/1J"(&T55+UBRURV9JN]NTVSS:Y7+"Q">T8O9)%E<GU
M^4W%@$>K`6\A!8Y][7&G%M2._>IKK:Q>7U]#<ZIZ74G1<WQBDF[Y9@D'":`7
MID&Q1FP+4DR/7G,>K"S9[DF%^NC3:C;@`2WPE,I:99-`HW5)^#BT=!2P\FQ]
M?O3RDX'?#5\K)ABPI/UD<-8D%P<=VR0B3U;SROV<I`M,8FF*@/=4YJ.(2X38
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M`3F5IS=G%,NC37ZH1LP^K]N.UV@H:7,`(6U.A]1J<=J"LE\<Y7(BDR(S:DJ?
MF`VO#]S+O_H#4+Q"!\5?3T0K53#UCKDF:*AD!;9MP5AX-"S0R#,!S2PO@G%&
MV5QVIL1SO[1Y2'FU,L=2'(C,G^NV!^Y+%A6NE`ZG(H(33W8U.@?NLQ"!3,0R
M.8SJP-G6)]5(5!N+P95G(OQ0P@7G(3T2>A<E4D.1(AOH=^O;/H3N5W9=723&
M=4&:&!@*\3H54E,VYH0VV4%?"1-&H';>]R5.Z[%<EMM\2VF-WO5>!R(F*_K@
M%06)HJ7LM@D5DO-*V<O7A]*JPF/R^3'-B6--A)J.RIXH"(1M$Y'!;JY?7^#X
M?5R?K^9^8'+]"=C_`$QBYOZ^^R>59H2&S3>NTJ[5FIF2(AH:<'1"@JV-U`):
M;#)F&F;*U6"=MD]COJB16$M.*^^,IQ;SCP<LM-F3`]*I(V;8[K#V$LC8+%=*
M?I+]Z72P#@)B\5*;J;#<U%%[*Y&<"$*AJLH2N%V=QQO\5F4B1R1U:E!R_P`B
MELX])C>?:Q4H3EC+`O7S$DO&:-(L<VDRS-DO=DN&'V:<^W.&,,DF0I,KF,G\
MAJ<W!7%DDD-0D/LI:5&%Y>/U)2`_KAJ]5KU5K%>N8*#"JT8^#?)/9>/G6&^4
MF;1X-""9]J9.3:%,7JE?I1D;AP8]'9@&51(RV&!ST=M[D'-OU+CMOJJ/M>*Y
M9A5EUZV3W*BBR0I=I,N1"EINPFS9?I&7VH8GIB7,DM=B573)?1S[CL]Z!V)%
M[(5,2E[YJ3/G)4UU_KWK-^ES3M[VBU.:9;VK6\7M@(-5JRV3NT]VD]J=N`UE
M3)%D<6S:DTPD+@-)>D??%L)1Y]2UN(ZV+R/V._KSI)"PW>P%-9M5D&VH9>:6
MW%9B!E31=8L%>W:BN@9-ADK+R")"H#MLFCX2OLCQX<4+!C<BI^.1U\.3+#SS
MU8)4?9`.J63<'[)=IA6\V.RH@T\%1B.A_O:X-K7\9)<"EE\(9K4FXT,G'%OQ
MYKT8XTU,1,9^1]J0)GQ@C[?HY-@[(5W@5N-G1HB+7(/U`@;K`FQQ@HDH2TAT
MQ5[$V0()EVH:FO:A-#B^M/C$AQ\`>EE'5LR53`Y>,8,"R?U\T:P@*S7GM$L[
M<JI4^@@:[(>A"W$<G9:<CV*LFR,&*H?(FQ$&VF.S(K+\;CK/>MMNLK6EU(*6
M#RG_`-?.9LQ;%];G-JXZQ56E51(8`&!`Z?6B0ZC6+.+&4J(>8J>L4[IG[L0]
M.C/2I?520,)*5J4M[K@<F:*P^MUD1O8>[Y?:4SJ+<-BJ.F;@;)E*3*`QWLYL
MUFM-8J`IEOB[2/-,DK4II/64N,RVY+7S.Q?Q^IFB\O'GU+VOWJA`T*V::>*7
MXS%$Z,"M(O@"(&%=Z!FW7-Z5F%D(1RCZG'9\:2"SX:ZS&=:2EJ1^1U2W$.I0
MT(I8(=FOIC_K+2(FH+V.Q60ZB]-6"6[8P@]^581'\8T6J-B+"6<(N$2MFEMZ
M`EUPMQ;:/D@-M,PV65]:2#EGP5D1]4-+LF_'C\.X/Y_1Z"<O&GY*5)Q:7;)<
M/3]1NU(MUE*_I8CD4H9HTA-8+QW8I=X=)BK((3$<=Y'1(:%Y>#]53T9H6>7&
ML%$^PAJ4Y50=>9H(VS?QB6;'PZZ9RX\W]9\J4AN95XQ_)FW(8Z#"@0829\Q'
M>.JZAQL1RS['TE&,3(HT?%(S^E2$:#$8G%.QF8724QEAMN5/[#C_`/MXG9CZ
M5.?$W_P;^[[4_P".<\&)2N^Y*;U8+3/XP8JHBRT*ZKN85%ZJ;]WI11Z91KMG
ML\?9*W%.5R5.CMA;[*E15-RV^M$(T=:N*1Q:%"IX]2B`_IC)IV.0\VJ-Z%RS
M-:UJAZW52]RJ'2X&<2H%?I]?@B+N`'G!;YR,08JZGU2&)45V+,=9?;3WL9*5
MB\O.2JJ7_787J9.C#I&K5XYGU$L5-ND4++S1:#Q:S`S'K65,M2R+EQE!X5:<
M_P#CHT@9$:@*<@H+<2MY[D%KKXO+_,LG9O3`WJNE6&U1KY40U7LUC%7<C"(Y
MPX>NK-D%Y6O)$B!]M_E8Z)%I+X5MF<N&J`X_V?U[_M^-[Z($4L(@,K^O*?"@
M/N5C41T6V1K!9)M,MY.I%N%,X$)L=4:R+^,+!7,.Y+,8GF5,@@H:)JWA1KG9
M'9\-4:6]%Z+R,9[^NJ9)8579>DUB;4G;WS4Y3LO-$.W"7;NBUU5VNOF56A0U
M692*NYUU8K\/KO[?O7OG^#OX_@<O\R[LZ]42^>:1HEI%781`J>@UC119RM!J
MX5AOV,_=;X6ME:L%E3+M$^N-2,Q"&)0<>L6/'22,27U,YUU,6&AH1O*Q[F?@
M?J='PB5720VRB2A0%3M"K,B8W461*S,R[2<A?BE"3D8J[)?2&1E*&OB4XI3K
M<KG$N-\9Y]X.62G8OI#I!$*/:M^N4Z?:K+(N@O<[4*SPU'DZC6;_`&W-[O9"
M`Z.0ODW^(7+D_.D!QR^+G"A5=DM1&8?>P(RNPO)?R)UJOI^:T(#?JM$MM):&
MZ1OS6WS#-EHA8W9\](CJU1`E>*YE+@W0+!'7VL3*:N5!)S6949IZ4CJXCB&%
M-R*12_[#MD.V::A?8?EC)I'\THOYQ`^4,A<'.%)C@6/^),)%G^S(89<=F2[\
MWV2)*''4-LH6EEL8FT\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`HCV-"6D]G,*+31TTH?@Z=BU@8C0.M_D-Q*S
MKM*L!2;WCSK3:XXX:-=D.I[WOW--JY]JOK]O15Z^3DH`][4U/UEN,*V=U^\:
M%++8NU$/*4!8T()`N-`R29KAL;%I57<<*#J5?B5B_P#R;`']F\::<C17&FD,
MNM#+[<_H<O0VO=DO:<\N6@"O8AFV!J5$&Z-.K=2I/!E6S:V.>K4FQN9FQ!@3
MER]C+_J+1TM%B?L)$7L::EEEM38C[Q?M]L?XR8>;95[35NO9JVQ4-2@D(HNL
M"A=1/@J4NED2D![T:*.V#:0@L;*"OV<=&KUTXT9?<^:"\,=8@.M_'#;4#:_Q
M_,LRI+][2B81-XSO$,76`D"R*AVX+G0@I9M::->O4?0:L;BL@.+F9/#_`&EQ
M4$1$4PS)9;F+CR78T<:O@CX_H7[["Z+[*&Q.1Z=ZLB+I8*=;Z8[HABO=``1Q
M)R%GS@;6P54D#[8U'+"2GL)78,RE\XO[%P72+#WUBNHZ\@18])%:T0![E'QG
MM+5=G-V&Q)GX3=*[4JLY4([8.QFCM)#<IQ2K6:$)'5EHLB5,-0"HY,J1)?E.
MM+?1&:C1^OB_:L8^I%B(KW6K,O.<BI9+:(XT<:&!1.K%HM3L<;E7LE4HHZQM
M7.,/J\,(RC-C!$I.A3I_6EN-H1#A1I3D9UQ`?;ZLL##C?N[:M[SZRZ[RSYYG
M=GJTBXS,UDU6,7#A4%V=-C%<VL=AKT&4,`VJJRXE2FQILTE][[?Y$>*F1^1,
MZP#XX\'O6+/[B%J?[:3G*[I]=))?JD_,`9.)6R=H!+?N5S@ZL(RXP;%B@-M*
M#L]%CI8)3D5P%TI*9;9<E<[(<6'V^"&P5>WQR_00=;.^R(RCD;+3(1@U;:[3
M1?1V)KM&'I`EP\\[6$%&=7)")%O1:4/,JGQ&/R5NLQEM"%]#[<>Q.<CB^Y!S
M#;I'TJWW@=IY[8\9%S6A56'AS^?@9>CT`?NZZ.</@.UNP4OM2>*R1<N'&GL0
M8GR?CR7WDHXT#XY\>F"@X<'WM<5!O%N/;=,MU;+[/':I50!?AU\?:ETB9*%Q
MYK<P-$`7^@EU!6TUQYGLF!!(+XTJ8J3-ZVV+]OM@M#D?W+TDJ;-\L.^9]53=
MXLC%=#11.>U@L*SY)#VR.5R8_$+5DN5&$IJ0><0W.2E*E,PY#32FVGY$U7D)
M]J^F?_(FFSE_;U<F@NTM&HQ+3+QK.)0R)4J_3)%`=TN7*LO=_1K3A*!,6*F!
MJ=P6[564O1X[IKJVV.2%?(WRD6#938WLO6\<(A2YS<#K`K<JE$L%LKH^G&-U
ME8B4S>I&K21J$<;7V!Y25!UTM+AO<BC5$HP)F4W";4ZQ'7X'C/C'H<^F/_G^
M>9M<0"=WD#(BPK^;+3'`&:P^-Z8#I7L02SJMYJX5K<MDKE1B:.H?)/W-NIDS
M7&6'GT//F&>#+[29VBF^[+A8_"$:1O;(2KS[57ZH^/YEO)5H!1X?MD>`GS<V
M93I#I$O),@,X@)?2F-SL-]MO[.*E375"?;_,P8C7O';S4H42.[G4E2YUQEZ3
M*%"<^$@@Y*%`U:=D@C&"A"O%OR*H8!PP";`YS\MQ!)45I;S,EZ>WP7[?T))[
M%@_9?1F<KJ+4/2"<2]9%EO-%#U8(-`"\OOXN_P!6MEJT9VPSQ9*LV2P]4,3`
MC!%/MR`KD=N?'8F1G9J6A%A$(.DO>Y^UP*6(:VX1`'QK!2)UU;ATXOT]24Z"
M79KFD,3I59Y40N@1*M%C1E]<1+GSNI7-=AL1GFN.!]OJ1@A0_=RU6PS:3M@T
MM%@R^P>P)F@Q0M<%1%C#`RIZ9#S$>*LM@KS8*W472A+-59?AP>2>]FQW.RI;
M+\V9'0+F)FFX/NV;+/'9(G6II&EGC9HI,D@J>B54K<1&;K6+A_\`'M'8;+%A
MJJ<B)!D@5R>$&73;T-*E.37"3:0^W_'_`'D;I-?]Y!$BPUNGE-IIM&(%+\9H
MW#]/!/W>Q5G1?8/1S=FLEI*O5J95*AK;,4_!,,.%OCD=$\2V@<X\],ZS!]ON
M=\>O%>O<TSJ![20UIL=VSRZZ74<BU71(;P)^P4.Z.58W)%`:FX.%N5X&+F54
M4,DS&TRHYMT7TA%D<1*<CM4Q?Z'`$6[^]50J="/:K<]@@RR=RS<0YP/00(X8
M`TVV:EA--O=1TTG8*VB--RR7%/6!P`3&H;%MIEO,Q)DEZ*,5T9?;[$Z)\]LM
M5C5TI9`GL#2XM5FXY#,&P-=K=6T7KHBV^FDK7^5YZ`-('"=4*D(%UDRHC+?8
M)E`MQ:&I$1N%\@?:OH672+)K^AX[C-ZU^:\?&Q_<JK!+(@9P7*&/U7*B!/%:
MO=&E5YI,277KM[$T\;=VW?JXU&B%6E?];#'$MB>$\+Z$SOOKIE>3W?&FAWKY
M,O7KP)BZJ\6H58JSVF0:_MMQG9M_$=0LM(+3B9`^ENKUTT+:*\CS5@W)B>]2
MRS)<D,B9;SY\E+?)_8"4FVI(`CJT$H,A7XU*C6,1G@^JRMG%5+V`D4>HTN;+
M#?*1P4@3B4;JGDN]^=[K3;DOCKI=O@OVF=J&)^P>[^I^54\M*:O%]_VIIUA1
M+U[+7)+@.O*Q;V"$TD?=JS:_XE(=,0;(9%C()Y<1M<6;(AD41G^,_5R!-*7Z
M%&Z/AFD66D7\6`P?4FMG)IVJP6+4[&#AGB5OP&W8*>KN<Y&9L;QCBM#L0\F1
MK(I^I*7Q+1BMRYJDM-J:E2Q4UGU\';5IQ3&8_K79--/9B._FE?\`6[2,Z&SH
M.5RLG/QJZ1@V_G:Q6LKCR'VJ?*-%SC_XL9A'7W7IG%(7WY>>#'+SC]3N&BL6
M*+2*;&N#W)-MCU6O,6B0E:'$OV)D1#;-O<<;^B'..DTNJ^[G^._7Z\\IC_`E
M7@#P!X!7A#6\N$Z97,8):%3H6N6ZM'+G6,SD6$6W>3E1K,F##/V<=6.R?W$@
M`)F$F&GI?&O@0ZYQ'W?=]><%P\9]B#Z=[3>M^*W>F9OKVXYAF=ZT-MMZDUB\
M7`+6BEE9>+Q*^P\,9+2HJ7FI)^>Q!:5U7..S'VV$=ZZXA/02;\HOOP0@NDZ9
M1<@J$Z_:38HE4J`TC6Q,XY.:F/QHY&WV8/3:W%6W`C2Y75E;,?AQ$=XWU*7'
MT]7U*.*5P$L^A.O`(L"NM:LIJY5T*07,,4`S``6V*H>3B)%EB=>$6J#%;E38
M<:&32\".Q7^NQ''V4==ZVI274+0D,$I\`>`:XP7%5\24/'2,(.$"#II<P6)2
M6H8X6*&QG9I`C/F/J0Q%A0HC*W77%JXA"$]5WO.<\`@@C9,NL611]ZK-W!6O
M'9M$=TT;H-2DJM5>,4-H,Y8.V4%(KS9)T[!=#M*>:Y#0^Z]S_BVE2^\3T7#S
MCW)Z*)P38L:9&/=D#2\"&3'R.LOQ^OP9\=N5$>ZQ);9DL==8=2K['$(6GZ_1
M7.=YWG@AG^`/`'@&G380"S[M42<#JM+`>/87ZTDG"Z?9`2YLD;%..AN/_L6P
M\DC">CMR>M\96\TM'%=4E7.`?BS6,-3ZW8+=8I:H%?JP0M8SLY$69/7"#!($
M@F3EI@CH\LA,5&A15KXTPTZ\YWGVH0I7><Z'J8U9N%6N465+JQ\6<:@/08I1
MN!+;=EAIQ(&(LT(8<@?5,X&6?KI^#-_$EMLR4Q9C+BD<2XCO0,SEA`*/N51)
MP.JTLAV;"]6N$X73[0"3-?&QSC@;C_[%`=\C%=CHD];XRIYM2.*ZI/><`_)J
MR5ZMI&*L)T."X;,0:Z%_;DH8WIFP$_E_6@1*9CS*B1HCUE?(\1G[WWNH[]B%
M?3O@&AS/2:/L6?4W5,TL,6V9]H-=%VRFV:"S,CPSU=-143192*R0C0YS;$R*
MZE:>.M-K^G?\IYX#6'A^IICNT9K6]8H6'%K&MO5-,KMQM].J4,)8BLB;5:`H
M.U;+&4(B1,X+5P@N788$;DHK)A,R9LQF,PIV0XEOHN'C/L:&T^R.(4K3@N,V
MG0A0?3K"_1(P6HR(I=R?/?TUS2&:(VT_''/#T]L;F163C/WO)XCHIWY/L^YK
MY`P\9]B[5K2VE2UJ2A"$]6M:^\2E"4\[U2E*[WG$I3SGU[WO^.<\$-:#.!+.
M%$V.MF!=AKQX=",`CP,A$+!C0@E';F#BHDI`=D02(V?$>0ZP^RM;3K:N*2KJ
M>\[X!M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P"K=>T]C**K$.\KQ6W&3EHJ
M](JE5#2!D&=8+5<#$8,&@?LC4N")%0D.R%/RI,AU*68S+BDI<<XAI8J63A&L
M?V#?M7;64.U"QUJBD-,KE?SNY2P]?)HCPXU;P@MHE%LE>&W5LQRRUV1?3?/V
MC?5#^\A+['Y+ZRPU-&7#_,VPW^QB)=\]N-PRG"+_`&TK2\RM&M&!)H]3:B)B
M4R!66[)3BG\CGEI$<O\`S!+RHRVAC4U8N7!GLR>I<CM)D!P^K-J4_L'IU"@7
M!K0JG;DV:NW$N#8"#Q]<B<?B)LU_J4=4:9VXDXLX57;G2$@"!=2XS2IA"'(_
M&99D?:V)Q9NM;]NBH+'<`VRN5BR5ZFWG0)KFGL%AX3^65;/Z)GFJZ#<8HX68
MGQX9:66>S%4.+(B*=_*@R/R(O>==9=2"CY:+5RGV:7IVGG<BD93<J9<*.%=)
MZ2DV8I)`539\F3&_C@-,X!8R:[',LH>8T0:>@M.18S"OLD.-/\^+H-86?8YR
MT?VCWNJ7/3:15YN/6-%7,V"8'O$ZF6T;7(/\'RB\ZW<\>)PVM%DK/W(2)&5F
M/(L$67%B1/WTI2QBGQRHK@J2]S"OGN;LPLO:Z_5Z.$GSK)=L&`X^R`I]FO\`
M:AE<U'%+QL%GGW&H<MM(BVBSAXF:%&XL6(3#0FD/QU/275-N(<!)'2%R]K*S
M3:9F-O'`SVG"+YEQ':IAZHQA=>A#,@K,&C2K5HZA%N/0R/6HZ=$%.QPK+DHH
MZV^XGG%*85]PG'S@KV#N6Z,>DNB;^\+J#.K@1^NW,=7K>E,FH#0=+N-F3"".
M*HD_LLLB/4`?V1E]F-/R9?4]D.L\4O[`PN6/8M(3K-[3[8F\2+,PGZ3)RDGH
ME?(OT&R5&3&FA3E&".B`-U)6<Q7M<1U%K=?,='0!2ZTYV`R_R1V>A;8F%QR<
M_&/[)J'79PL4=R34H!FRS9,ZG!T?Q$F1M="%%[T$-W06P'L9#_W,:=G<Y,4*
MOO"L_LJ"EIK[I#J8PRX,O9CVDBSL?J^JC<SN,F9HM[30,QH;I*H1;!<"4PR3
M%B"3Y%9]=<K8DA""RR2^S):9,>"SWBV?RE)C=&./."AG?[**&MZS,B,BU(XB
MJE;HT0FPNT]@9VN9C`T29I%@;)$+)#AN2ZTYEA5#8I"ED9B'Q[R6T,S>K8&7
M!G7^%:@;UVEE;8<I2Z*]"TG6*/!&+/#K%^R%YMI-HH$.QIF#$H:C?ON5M3ZH
MJ^?)&6I2.]6GB5J&+6#FJ]^UEWH_L9=<U35)EJKHB%EE>H]7KM!)M$;CH6G-
M$Y;,<KMAR[C,YJ+(F&+>?6-DC%2G(;*WFWEKZVPL5136255KW$AZ'AVY[=G>
M8VH@*R"JSC`@;9RU7KKUZL`W,1NDEJY$<BEC?0*`23,8;*ES$I;7,2]V/Q]A
MM#KH<<-)E((_L)FT&);F=ARRQQ3CVDWFKY?"!E*6]%MK56L@\46K:YC=D>X,
M)TY@JVEZ=-1'CEELNJB<[_P2N9+Q^AT+K'N7FN-UNG6RX`+Q'#WO.G=*KK20
MT6,:D"QKM6E68)(!$2,(A#M%5JUH_<S8;J4]1!@3/HKKC'4=I%%LIF;_`&3Y
MT)KX@^5S>]L=G"=#F$0<2=49M@&3Z,%O!X>PW`_>L-3@%XAT"<T)-_*T+D2^
MI9X[WK4OL47@7GL/M?7<1(XX`N-'N+]HUF._/=KM>0*.SZB+%E:)7K'*G=@S
MW$'WJ^=T<:AUD9^2IV(F5);[UN/]%B*.3FRV?V$$R%%4_1<=NH"]N"Z==YT.
MURJ+/@T_*;-.QR4S>S?1-OD1R;D@)KT5*A<%V00CNQI:OM7QEG\D7CY\^AC2
M_P"QMF_UF*[C.7W=1F78<^G/&++&KC-=%Y5;-"R2OHO2EN6"/^[=)"-,XTL=
M`5(G"ID64F0C[F&DR0XX]2\O:C?]&PDP&(U#E*MPIV@ZA:C>=SJ^=:M(X50:
M+93SFESKU#M'!`BE0+OVL@7X;H5;S[AQ2VI?WH2TD2*3]34U'>=NF7G.L^.H
MRN:\O:MHP_1;0+`VP8DN7IV0SM6H%EI=:?M1=`"!(AQTQSD6:4(N<D)4B*XE
M*OD:#"]2R?6?4+5L=-T!6G#!G2U`UH_15?/0CN<3R$2MCZO8Q!RP9?;CMM-4
MDD^LPB3!;>(2N3AG(19CK34YIIH1K'H5T#][:65A3Y9/-]!`?3+N[>"C3%5.
M<]8LC)PH$^HVIK]98Y;(R7:(\EY/ZZ4IN5"<BK3(XCBFE+%XDS$>QPB#B=%O
M57R"R0T7FXL9MD66PI5'$$3KJIQ>$%D)?CG.5"I@7@M=EDOL?E)>C0&/LZS^
M4I,;HF/)5Y#^PJDAY/$%LLTB)`E=M)H043(I4B,3SO/1FK$-%T#C35H[*BPJ
MOW&RR$#UH_93TR8"V&N_.]R*+Q)BW[M4SGKR]O\`.I%Q%1_YR,S<?4"71$:<
M6MA^QBJV!_7V%4[M:D5N:^:8><*(D+CL-(>3_P`GF5-=#CYP1:)_8%2B]@KU
M9KV:7PV9N4'.9%6'-3:?"G<GWJ72X94!<HY&P1DT6Q4-=\A+)P)BU3>-(>ZV
MRI7P(?!QP1Z%_8'#+O5%R!DF@QBEJAU_]+G4S^!.';`K39N!MY>87;6=`_C=
M8AKA;6TX2B/(E/M<9?[]Z%1V43@XG]5_8]3GPR+**QS4257DB>K8LOSTJ.)@
MV0<-S4M;0UG[VSNS:T"HX_48CQ0^ZRX)CL#B3W7?AC-.2`X^Q]$!A".6&CBD
M1V._%)08A",_$E1YT5Z/,CMR&78TV(X[$F1W&W.=0ZTI3;B>\4GO>=YWP8F=
MX`\`>`<)[CZYW:P>W_KO[5YI7,WFF,;Q'VFHEA_D4YZLV.XFM%'9E)Q^M2;&
M,JYZ=VG#K!6"W9;KO7>BDD%/1HLA;KJ/!DG]K1R+[X>D7L][3:$1G4P1A$&L
M;AZ(73T\U\C?+G:9+N2D=%TZE7D]?:)6QN>3.:?/JPP%+2#;DS:W]2Z8DAUU
MEM"T\&49*/\`)Y.=S/\`6/[S@S'LEH>=[HB5NBM/A:7ZY7VWZ^9;H%M7&U8^
M8K\+7Z`$RB/8QIJDX?<R=/1*<.6"$['2PW&BQXZ&DQQ><?"]CRD_U(^QX:]:
M5%%:M)N5&=#X0!RXO;-7F<C3*%F5J]2R+^?Z91YN6F["7+U-W!SQ@"41:G8+
M<XZ]WL)M\D1=\#FOYE$Z%_7?[CYX7S_^35T/O`>\^S.9`;S2!>U[5VO>Q)(;
MWW2N]F]C/8`]#ITM[%(UBJ>B5FKRX<=@W`_(%QXS[RH2![:!5*+_`$\?^!8I
MC^HSW3L53="7C;`>@V&O9"9@4JT3=EV`0\QN@[U.]/,ISN_.=AP$2VT5G7L3
MLQ1I]]4EQ*9<<@MER;*D(:#G'/\`CZLL?T!Q;>`/O7[0K,-WYH-!R;V(K%A]
M@RP_=PXG1]:U/VP/WK.S;U7V2H4RJNW+.,JCQ@Z%U-T\&_3C(74$DQ9,.,V)
M)KBO\>Q3<+^J_P#L.K.72Q-0NF6C[._2K!F!2IO>QFU/5JUVZW>EFM>M^B^W
ML^X2\]G&8&A:7I]V$VR77$CU_9T4AU1/\_O7O(.<<^<_X]CLZO?UZ>PX7TX]
MK</@WBL#-K]MMO*1;?JI&XW6[1*YZXVF\C(!>,/&6".A#IX!CD\Y$A`(B1PV
M01G?]LM'''7_`"D<ER3]DCF:=_5S[P`F(]+JERQ\R-I5/]X<VSO09%PM-#KP
M;-?9RO:!:Z8W2<+KE.)-8]K=#US0>BX%@%6:3#B4F%^&]#EK1"3'A><??]#;
MD?ZPO<R\[66LFA6?,49U:+!BPK2H-.U.]U]O4\XS'V.]>+\RV>!"*,%.KM;.
M'T6SU^=+(6`FLI/).-1^CADM;**.<<87J6=J/]=_MI:?1;U']?6+73KS=,*A
M:J"OM/LNR:=5*A:>VK/-/H.)W-C2`U;,6XJ4]=S-H!GAT29!Y\S@SO67V9D>
M&_X(I1Y-^S/F]H/I3[N*K?M)?60]WLDVM[K.S([8.73:AVE^VD([M?HW!$/+
MHPH"\Q4\=J[U$MEC59`\Z>M$<O-6U'1]2#CL,^4?"_3_`,3LH)_5][JP;1GQ
M=NY4`%"&'H9RC\'[EK9%[TVI,#V-WO6;-A>60'ZC"'Z]6-8Q[2Z]0B!`ET1^
M%$`?3D=Z&Q!933'G'_'N>0C^I3><I=PV[92`R,KJ])]4_3"JZ%;[#MVK#;#8
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MUBK'NLY][$Y`N749Q%I[CHSB/H]$E1Y#B>#&,TEA_4\K+_7CKUF]1/2?,;E"
MS?2],]8?;FL^P4ZKVC0;J[5QF;-Z5HIIC(JAI!&M%;(55E6=7D<%%3"`UI)!
MBO(;ZF*EU'QAR7)M>C1PNQ_3%[:5;)*9FE/T4((J4*LX!(TO/J;MELK'\RU>
MNX?L&8:9J%5M%OS/2@U,LU?N%JK9X(Z@(I#CHE,AI$"=`@+Z\F7R1R=^>[']
M>FM;AJ83:<I(T[_8]*]1TY."M=ONEHK-G/Z17?8[U^U\3"*GJO79B!P"V4S.
M[,(G$VHBUL/G.=[">94I+=,(R26'Z9.<1G]8_ND:MC%]L5_S2F78C=YMR580
M%\N=SGYY,GZY_9-?A#M6(FJ>"FF^Y\-]N*DV-XO@_BEBY:$)CH9C_+#+G'T]
MO_+_`,#6XU_5E[.U!SUIBVY^M6*/3K7ID;9!N@[V5T?*X5#T+-Z)1+S-RG+P
MF&9K)'7Z\%*@Z7&EEE(TP;**%.$UDTEI*&Z'-><'UT_K[PFS>L/I=ZX>O=SK
MU0K5LQ[,0-`L4.AV`C9JH3,5U#@^?:Q)8L$KI'J+K(:47<C.Q&^PGIRX_.N<
M:XXH82>9-KT.Q?!B/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@$,OU&INCUJ33[X
M*CF`!*4.D?B.S)@V2T3$3F#(<B)*#)<`L)-"20]N5$E0WV949YE+C:TJ3]>!
MG!S29]0O7=J<!ET@)4LZ,/'\YG//BF6IR3U?S67GY_M=%`R118&!(L-=RD'`
M)$X\-R>^%@);<6M'$J0,N3]R4,^M/K`\.@#V:H$ECJI6;,-B,?S.RS&Q=`O0
MYP2<J\GJK,\M>;3H`KK<4._U82'V&E42.RMA*D"991H&P>B5NH--T-BD$'Z-
MH*[WCM8OA_+-?2U.$7[1ZM(/D2=S*UY<P%5=&T@6#(#[*2EQ6)Y'L>1'F<?X
MXI`RQ+T.BI+>$6&Q"_7<@$FW<A0A'2RQ1BO7J^`:NP=J=@K#<>Z:$5@FJ['L
M5FI=D)-)A&2BB4^!,6YUM:'D+6,?/J0/.3/JSD],@:-G`9P6%/NO5.2?@#+7
M9#SDABQS7^P;H6G+,F(\K]R47UIPO(2\M#K3;:NHXRWPBO+>&:NEXEZ>:51U
M1P]&9E4V[75Z\Q0UG(7L;&+W"P"RMQ.$ZT-L1EG_`*K(+T$G^Z:%\Y!)M3IL
M6<AY')#*0S)%OW7'O7[1`UM)6ZO5,F*.20,FU6%@R\(6U-S]B>+!R>V<(4'3
M`,NN0B,J)\D>3&<3&D/,.=ZVXXA0B;1ZV_)/7^X0*B$M=:I,H7DPZ'/JPGDQ
MH1`JE8CL#VF(+D`9.@1^T23'"0^/#I:'`\I,)CY67/@:^P$W[$#FZEZTMXK6
M1KL*22S+9F[=5ZQGX"C7.WGKQ$G+/R;M%'T.HASMMGC.,HG22$A$;L>.PY\C
MCB$N-_<+AY_5%H@<_P`?!:'9M0%1!J-$.MQJX=.D;$4)DAS)E8LDFM#AQLM,
MC4QH^_#A27X$"/!3/>98=>;<<0VK@F7C'L<Q+Q+U(]?*"$L=E@E3KA#2DSA%
MVJD32K=?3%[*F[N6CBZS%RGINU1QR%V0XF4+%--BG&I$Y4J/WYI'5BYDV9U@
MUOT=-T-O)B9,7+S"$$B7(:\&K>AMTH8X,IG?8`5RM:17!#8P7HT.B,_RJ".'
ME&[&B!Q,EAGG.I[T,2SGW++I>.^MULJCUC%9[,BUNYLW*6L1?Q.B51YN/;1)
MNN7M]BAZ/^I(U)JWBC$YPEUJ!"X3[,<F._*X]U]0F66=5Z1DV='+#,K+`>NF
M"_+%93T7EAE];0R6/R[19RZ0LXJ]!$095D,/S)3C###/),I:U?3KBOJ'D@6J
MB?6V5-!5[2HH193V.M=9"5QV*H^@K<[;101.WU.8+L556F=7YM:#!'Y,,JW*
M@I95Q"$2..O-(<!9]O8AU$O7I[_I;5%TGE:$8N'&\BZ2+Y4[-7A<P`4HX6N"
M)D.OD@T`I9J[<J&/@1@DP5'E1#T9+:8#DE??IT5\L^?4WH_%/6FTT.L3'Z$X
M!!ROR%UU^WM7W.-`%E#MA!E94E,JTR:YI==MQ6QUJ"\J0XY')ON-I[]ZDNJ^
M03+R22^Y!G.EW3+C-JG5XP&R%R]!QU-)Q1)=$VS7^@R,\DQBI$D_*G?:G.[0
M5B/#.H[V>@HAU[O>-(XL,X1%IOJ[ZIS)HV$:IU=,DJ_`9ID>+9;G8SY!,8P,
MMS(D,7:.V>=*+SD`;N;8$]G<?DPQY*4S"4U'=6CHO*18MP$XE>K=GR;03K<V
M\"I]E<SU$.X/!K))<&MB)-T#P$`C0Z>?#MH:'NEQ3O),%SXHRY3"NMM=2)Y1
MHC?JEZ[V+H#IC*:W*_C+E?4'2C]C#0TS58=4@UX?-;A3HR"X84S1`JFH,SC\
M/YQ,1[K77F&G$AEF.[ZE^O+[5:8DYM!E1J<>58JM$EFK1+A`)?[:N'XXT7#D
MG'8L6J#3M/%3H0-*.!8$P=&>CQ6G66U)#+)98L#R.VWF=I%CIL8M;RU,[G9J
M=))G/UY^C=:LK/\`%;%7&RC=:L(5*+@3ZEF;#?2E4Q:N?17V]X&7C'L?H#@F
M15BN5VJ`Z5`A!JI/LQ<"GLPM*)PC-R%'0EI.+/S"$@_-.G15FGLR)LB2[*6F
M2KOR?7B>\#+,+//7[-LJ-LF:%"-@TMB#XQX2NRG"XPI.M!<&7/6NP*.3216R
MW2=VM0(O[0C*E2F8$1N,TI#/.IZ#;9#G?3/UC>'\%+R(!T?P_P#R+D9,T^VC
MDE,5J$R(XILPE?*;$BQVT,5_Z_HH_&T?%#1]B?H')EDG<3RRR9[&RLO31SU#
M@/P)@L%%>("^A2`HFDT+*`BHJ9"-`BXPJGDB/,AR6)+#O^4.)\#+SGW(P&]7
MO7\"4*&AN65GA$S-GSR#TYJ87;<=+"+B$,1V(I:7.B01AF#H9[LR&PVU$ER3
M$R2\VN1(==4&6;__`$9EZLV;R1ZNRI="8?ARX8J?9K81(C9@PK'-AIPBT3CL
MBUAYP`K#9>&OQ9S+HY3#7XRFN-HXD,O.30"O6#!PUL1>H&=C.6QJ9"(L&9A$
M\3?C$X3H23PK$9)E9<2(6(3:W`DSY3;:)!*7%0_+6\]S[^AE^AL(WKGA\,@#
M*Q<SK#!&M-5=@#,1%=X\+9I?*=RJMQ5?-WB$@^9\%^#Z_7[?UK/U^OV]^H99
M12_0_'Y6I2KS+A18-2;HL^BA,]J#!ZD,Q8AF%11IF>:L=?M<>88F2!N?08J'
M([`]]<+GX\QV:RU&0P+R>,'9X@2+`"A@((/AB0H4?"$B!0Z.U$'C!8V,U#'C
MX,1A*&8L.%$90VTVCG$H0GG.<YSG@Q-AX`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P"A?93)C^S906J%.L`^H7E@I7[!2K:3AR9\2NG0I>+(<F.1(;\:2ZF:$5,@
MKXA?._'+5_YY]>>"IX?GT/G4W_5^;A30B$7<*9"!!%UHM>A2)QD$Y1Z$%4*"
M>O:1:V`IV:?)5#.JN*!GXJ)85DNVPM2I"XZW(;HSY_X_[3ISU]].O]'[7?=&
M:579(@[48]<J+(>6^'9KPN16LI!$*4[2(59B"7:T)E9:T^+E**OJBL2EL,PH
MW5R7I0Q<LK!569>H_L)2J=1L\E3\:;RB#[-W/9[)C0P]?6ZK5*.S:0EDRO-\
MV-/UV3+>I]=N$29;7@LB&/A)(*A"V%MBV'VY`KDLY]\%L57U?T(7[4/^PI$Y
M3(#=E(1K7>G*\2O2[`3F1\5&XUS)X@R=*:JCN6_G`!UNY,>:X2X<AI:^'X_I
M(X)GQ@H2L_UZ7\:4C$9-ERNNH%E>)3$I80]&CW&,W9]6M'+M<&I#<7G="F_[
M*;@2%\[*0IH?UW\CO'T1HKW+R/Q_^;OT!HC`>3=,[((D/TIAXT1$'?Y#G#=-
MC85(=M>7+2EYMBX6F5DCX^9UQV&E,!^&YUYW\5V))#DBY0'IU9\_P*ZY!GA'
M-Q*K+-Q&2D.BM,#Z?-@YY1<GIU_%R&9(&R1PT^^<H$QQDLV,FRX3DMJ1\:Y+
M7W\$Y><LI*N?UO6>M5"F)_>978+W69=-GV204`F&`NG0:17/6<4.H%R*.-%C
M<BD2I6#R.<1(;GHBMRXSGXSRFG6W!>?^/\SH*F>M.KY31O6=R@%,IE:%A%/O
MM!+UPC#L=>S`]5--G5TN;@U:8,BFK!4GJR8IHI0Q2X<YMR"R_%<;;Z^B0P)E
M/.<X*:=_KPL1R[%#)^ST`>,X;U,A"-@P$^5<[.1T6#["2P&DW1<]N-"5I>2G
M=FB-`7VWI/QL0)$AN1&7(9C11>7@F]<]$?N]>*5AUD)L@VH.N,:+=WZ3>+A$
M[-9:JY&L2':.?`#,\*T@A/ZY'G)C0V&HS$CYN.KEJ>?>?@Y><_H0XIZ.;(7S
MXED4FYY/&I9=2[_,*B01\.79U+_XX\Q'E<%U^"TV$%9LNTQVK`F0R^F9&@]4
M';A_9Q$WE')>ON6K>O4([J7KMFN-GGJK2YM:LRH5O8#6>_Z*+,9';8]@IFO4
M@=;KYV-=G95ZS"V$(K3DSKC<*:MGZ<<981X(I8>3G*5_7?L1E855\N69Z0IJ
MM655JD*<L&>%+/:[37=$"EX;IP)5K$<Z'D$[(&(,S)TDDU$0'Y"X*<:6MUR8
M+R1WG(QBZ',]]<JW:[:!)6C);%2+#>C8D`U7!-ID5^AV.JFD5P&&;ACZ\B;.
M.\>C-M-,QF&V_M0TWS[4)ICGR<M(]*=7(Y#<LRLMJS:<HW4L/S\>\/3<QD&=
M5?5Z4+-9<L[V$N(3B3=(-QY;5H:AO?:-'24M0792VNK<&7)9R:+5?4?4S^:>
MN.0MALYNL@/8O895BGVMJQG<_P`B`ZA2]-B56+3Y!%,NRS?]4,7&(&K;DAMA
M<F,/2W]1WRH5&!-9;)#@/H%/R;4Z[?[0?"7:14;O>K(S8C,N8;L%NY8&;YVM
M6@F(DUT6,K.A@E:!,C2R*)9>7/C]_P#QIEKC,1D'+*P:>S^A%MLMT"$B,C.I
M=>`;)I=^D$A1$W3[Y>QFHZ(,TF)8KH;C5"P/IT/')(A`8&]%D\[/$R'>)F"$
M]['7!R27ZDKS3TFL6,G\NM5&AXG-,Y]4(()31&LS`,9-B5BM9S^PW(3+$"IT
MU@K9+346'IO?^I^6/DK^5]3K*$.4CED^DW@Q'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X!\S_`&ZT^VT[:A0JJZS8JA;8N-P+#D.:B9XQZ%KNHS=9$UWE3(4N
M9"ERKG#+BGVX4Q;'VN!8,ER>EZ+UO\E`SBO!!3_O%>[N'/#*.C/%IKF,6*[Z
M6L,0M4BP@+*%I5Q,%<]%$01F&[4[=#+"83;BY7R2A[:W/OCJ=ZWQ,''ZFFT3
MWSW3/JV>+FX^#UU*JG>='K=BLXF]0:G#%U7OL$S7\L.O*N,=\CH-]=QF,N$0
MCN1FD\DRVVADMR.Q^30HI_4ZB]TM/T>B971#%#M@&C)MYBV`K9.+C)4J:X.D
M^ONQ6D*+K!F,>"+J]IE7BNBV1TSGY+G9JF6D,NJ<^)P2*3?G_'DHK//;CV!:
MUC(L(L=<S@]-><`P;E=>RVZ<U<AA$!2BD]ZD1[WJ+)QZV4$9:D3"L6%%M4DM
MSK7>,"TR..(%<5C):WMY[9Z/Z[6-NO5//!=Q<-9A8M*KLB7PAQ#0O,^&$:[*
M,.H(C1[,:M=LM,>C<=DPTNLSYW7'FT,\<;$BDSGJ;_8'L?#%3IPL/D,FYV`!
MV!.97V`4!P;$1.-NU/0!DND;A<IMGST_2)4:5*C#698T84D+'<L\J9$D,<%X
MKU]CO/==T<R7#6MR`JK]YK`I=1*V`@(5)FP"]-L4R$)?L%16)F$$R4IDEXTM
MGORR6E0DN?\`)7?M7X(EEX.*<Y]Z=_NFEY#02N79Y7EV$Z[3-!7.-Q@S<F[9
M^>J&=[\!S\A<+Y5Y1%W.[Y.-21[4`;99Y<=`CM=C1_R>SFX5Q6,E[>VOMP=]
M?+MG%5J8$;<BUA:9)%:/+@-Q3]I&%#T6K"H=`//W4/)EV5DP_P!6]`&UZT/I
M8^Q<I(]EQN2ND2R<I+]I]F7-O-RCZ+EVGT2TY9G<)_N7_P`Y$"0-N+YE[-WQ
M^;03C=\L7*W*"RL]@#3"76E$9KWT=5^N<8;C+A<+]?\`&"65[WZW4D[)D2LE
MIDB+:-(,9+G0(84C2[<.TR.=)RHU#T$+7KU<2@22.SFCV`F_-*0ZY(F2FVF&
MQK*&^NR:.*(;7?>7:=2@9)$/2\FRV/=-#]?R\&0,-LS;)I82T[EB@:QYK3&J
MCJUOB5VW4*+8B$.TQ"#T^9,&.,O2189N4ZW'%XI'87MG[(:5AI8>S2`53*!V
M<W-72QRK#`FS)<)SNKXWEH\@R\NXT>N#Z]5(NGR[`9<(D(K3D$1UG\J"AQR=
M&&,4GZG/<'WEUF2*2JU'O6G(K#^_J%3)CKE.E68;5QA;'W-2[NI4[5M59"%<
MDOYMINK5],"4[$9+S6DJ-SI+:X"A>*_5D,MON5NENKU$9)OY_BS6@W^CR0XQ
M^-=85^(C16\X'4#>5!"J[&+;E7^4/N1*215P<MA(KK;"X7V+ERHXJBCL'V[]
MG+IZX3*&L#3Q%I%7&/8)3SLQ!G\@<QFTD%H.F_<X-4IGY4>O@>X$Q2%)YUTR
M(CLJ^]M[J/!C%9.1V_[$=E4J_O&Z=FU'@"X-;C51\RZ`ES89NXP,TM5'*6L.
M>W?/BC%)NM4N\]GI4BU6A`LD*;:01)R9S<!H7BB*`/8SV,OUBIK=<T:LU.%I
MMAS>[@*M9Q=D.D(12P:UD\2PBH!.!<ZR1/YU6JI:UQY(5AJ.A?)#:GI+"7ON
M\A<)'==Q]CKF(],:O[(P!U)#6<O1<QN9^#99[#%="0K.[77[HL/$/6NAHL98
M2)GS'!`B0;%.E);;,7\I#CG/NICC[L'$E]_L-N\^Q6TKGPUBT5O+)LZZUX=`
M%3:4=.PVLT]G@,^K:E5)5_.&X@H58J'#/IX9BU.4N-%X[^(AGC$]4R9*'U.M
M/6KVBT+4-.3G>E1\Q@2".72[Y4DYH7KUU_D,$)<&ZZ5M%B+4_6-#%YTT4A%Q
M<@>">_9L2$2G>Q3\]V'-C1J8M811&_>RFN6N_7'!ZP2IU5C<U_/:5+B#VKPW
MI]7IL#8/68>3M%N(5F\UB7%I^TA=3(CAKD+@QUAAKGQRI:W)/(0J2QG_`![E
MU>_-]/9FSZU7&%HI.N5:%[&44==\XJMM8IM^V`78)'Z$8#IDGO>2[=(K9PBP
M2GUA'6T'QK3[/7..(9;=$BLY_@<Z>M>VZ1>/_E]5;5NK(>PEJ]8HV3V.V701
M)'4ZW2R?LEV,6.0D"(+F(7:OU.C0Y92@=_9I"":[PM^0ZY.FML#*22P\>#I&
MAZP7L?H]L]N&$2+)J@T_V`!"[W!THSJ`ZS$Z*.LZ8E_HFI2@P(U9J[+G,<7"
ME<AMN176%QV^N\CH><&./N1QU=_:#5[A6Y3`N]PIDBM!BD&-J.+'+2/HN@MM
M8IJ%B22!CI!^Q(;EU^QO-#YS_)\MQ1D&KOW-=3R.Q#+BLED3O=W7:ZLP!K8[
M.9I:):;'4@M-N3]U-W^0S([=#T3;9\Q@]'DR,:#%1359=C-0>=22[\:"32DM
M0ETG%>Y]#\)TV9HU4G-V8A5'=!JEIOU3N(VK_/!CM]INGWW.A%D37"18T;KH
MRZ,T5V?$8E29/4I4MM$B1QKKJABUC^!\\&??_6K29TF/G@O+R@&@1KE>T%#E
M?-,%"-(JM>LYA-%G`*WJ5DEU70Y,RK*8=DEUP)D-N6AV17F5(2R^,N*]SZ^>
M#`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`/)3["'FHZWFDOO(=<984XA+SK;'6
M^/+:;[WBW$,]>1]W><[Q/W<^O_GG@#KS*7FXZG6DONMNNM,=<3QYUIA327W6
MV^]^];;*GV^+5SG>)ZM/U_\`//`'SL?/R+\S7Y/6NO\`(_R(^?K'%\;Z]QKZ
M_)\7'.\3]WT^GU[]/_/@'KX`\`>`?SJDI^GW*XG[N\2GZ]YSZJ[_`.$\^O\`
MY[WZ?^/`/-I]A_Y?@>:>^!U3#WQ.(<^%]'$]6R[]G>_&ZCBN=ZGOT[SZ\\`]
M?`'@#P!X`\`>`/`/S]R?N^S[D_?U/5<3]>?=]O.\YU7V_P#G[>=[_P"?`/SU
MYGCR8_76^2%MK>0QUQ/'ELM*;0XZEKZ_>IMM;J.*5SGTYU7.=_\`//`/3P#^
M<4E7U^U7%?;WJ5?3O._:KGT^J>_3_P`=Y]?_`!X!^7'&V6UNNK0TTTA3CKKB
MDH;;;0GJEK6M7>)0A">=[WO>_3G/`,>%/@DH40F.FQ)XXA'CS(!"%)9E0IT2
M6VAV+*B2V%N,28\EIQ*FUH4I*TJYWG>\[SP#+[WG/_/?I_GG/\__`&][].<_
M^_WO?`'@#P!X`\`>`/`*HU[7JKBP(5:KJ0&B*S),381@N3ESV$BA8NH6JYEB
M46*.#F))>7"$U1]S\1*6>N-)6I+GWH2VX*DWZ%:2O<OUYA0'R,BVV)+`^!,(
MG649;J[Y*IM1++-IS46Z!F*0Z7II<S:AK\`5!)L19IB0TI,%J1]/KX'%F9_\
MO?7_`/&LLQ-R*.0Z<>&U^T3&:#HK\0&^5)6,+&,D)3-36PQ36CM/+P)![JOT
ML6>+E1WI2'F'$<#BST&^UWKV;*TJ'"NBGYU[,3@-*F/4ZZ1X)5YH]&JC<^.<
ME5MH9!K5AM,AH6)*OOLC#A#O(\!^2[SJ>!AD1WKVZS'$16B#QK$FSZ54H+;K
M%.@U6]N#"UH+,@9[-?D6FM4JRCG3L8-:(1DB.A\FF8X1W\[L13'_`#\%46_X
M&-[)Z/ZVM1P65>P!FY,RSXX8>?IU$%[G,CV&"7>)U^,"L7,H#KZ8"V<DU+A,
M!BO?H3=3U"8RU\^G`2?JB4*]O_6QZ2P):O7[+LF;71X/@ZDWDL-LA,R1K8\=
M!IDZ!5I0RWRPY2U"FB21;DKH-V8SR?\`B]^OVAQD9#OM3A<S(]!W4$3,7.F9
M*S((6+M:HUH(6EI/Z`6?ARZ_6)8:$=,1+!53\.>.G1&EP2`R6B2R^N.KKG!.
M+SCW*OKGM#Z^G2=UU^V,7&NV_'^Z9FY=F14-B--`L^$[#:*@3MXH'&J*1<@4
M=)Y6T^>)0H;ZPSD)N`0DM]82E0N'Z%]9YLN+:N8M%0H)>,;G5:/+&&(_\6L`
M<7*&#K$>J!#E>+F`8T+;0@RT`"`]]X2_,BQY;*D+4E2D_<(TUZG(%-][ZNWE
M==+5/(PR1%<K]L.6+/Z;H5=?GXWBN0":+_*95I".@@B0%VK8Z\"D1*BEKG7X
M_>J:F<;2CJADX^<'76@^PN(YG<!M*T*V1:_8%B85K0[/KUBD`0`@O-,A!)NP
MW&*%E5.G,FR@B9!AK)3H:IDI/6&?O<6E*ABDVLH\,X]CL4V&Q-5V@V&<?LL0
M%+L<H?)HUY"3JX*09DU]7;&JQU@5RI3R)$>YR+"(*BS9\=OLAAIV/SY?`::]
M2(.>XOK*.3%Z_>%#1Y28=["+2:'?8-=(1A,YD?/M$<^]4V@DBH%#Y!(\>=X_
MT49*._BPI,F0K[.B\9&RSKVGQ?3K^(H-!5;B1NSU2RWOA.1F=WK0>-"JLBF0
M)<>QS[+7PL@*>GC;R)FP&)C32YHN4S(:4IIUCK@F'C/L5Q2/=/(2:;9_+H16
MIF@FA7D(!K(W,M=.V8J*%:7<\K"F/UT?,HLF3:;_`&'/3LN..&IGO+'P9+W'
M'40YKC(O%DV%>Y_K/9K.,I@:_/'")^8)#C9D*B:#-J4]^Q/U.`/:1=D5)=+5
M$D$KZ"A.N]G_``,SC4**ZI#\EIM0<68&^^P\7`3@ABR97RP4X[5[*D$;!'@3
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MOSQ\6-H*"!"<Q5E`DCJ1>R;Y>5>WJ2R'"5]4&J2%%;(I6@@%$1<;KA`4V4BN
M3V8Z%\5P.,B:UKV+PN_4RP7('<()2FUDZ`KYR?-`GX$:)-L:Z^_5)R8)@-$E
M3*Y88UD'31Q=EIP7*A242FI"F.*<2)AKP1#ON9ZN,I&2F-/%/\L4^<S&?'5V
MUSN]4(MMFSDP8+N0:\_T.!!V>CD(4XK.ZP/A(C(<>?0PZPXX+QD;F@^S?KW>
M+-6ZA1;2B0>MPM<BN1^4BY5^(3@#V;'-A0VBIBL"A34B:)K14B,AN/H?("H;
M\^(V[#YU_HC31KC'M_ZX`"%QCE+K)CDJ<7E5LZAK/]"ERYY6OF"XDR/K'X=1
MD.WW^(DQDW]FH)^Q:$H:==DJ9;XI?@89LQ'LGZW:`9!`A-]J]I-/*JE@KD'@
MLC.?^2TVF\T:K%Q2I`E2&I$FQY^<C)>;5Q<9N&MYSK<=UIUP,,BX'VFSM[1=
MVI5M;BTJ)EEPAUN-,*A;<S,N+B*[D"[-9D\E5&&&?$PCFW5\.PN',(J>^;Y7
M.MLJ3S@O%X1$[A[Z8#7<WD6ZD$2ESDM-#TU^I0Z/HH*5/%R^4[L*Q.MRZ.IX
M%G;H^]"EL6.1'0`<[-8;1*^Y?.<#B\^2W+OOM&RNTVX%=H,P'5:=1J'=9]I%
M`+#98T-F]6#3Q<GI<35:\6?``@+&=O2YA62I$)I$GORJ:^WBG!$F_0U-L]M?
M6ZE*BR3U[8Y)F-$414AZ?<[,07`%3-&0;E\C5NLEIJ`XAS(+)(F2.IY&CL!W
MI#BDM?&M8<6R"SO;+U]J>FPXPV(_R%H4ZWB[=JXJ@WA0*59,O(TRG,-2+1`I
MD@/:*V'EVAV!-/-SUA@,B(J/)D-K<^U(N'@L:E>TOK_?+;"H=&MCAZV&)AU3
M(892KKQYR")CBYA*XRGG*RS$8H<Y!V%R)8W7$A"CLMIN++?6OB?!&FO4Z/\`
M!!X`\`>`/`'@#P!X`\`>`/`'@'SN]WL,O>S6+-JI38-@Y7M8`7?&M6LX0E)'
MM4:M,OUS9:Q;2+L:9&?CM+/Y:]7FG6N+=^>RI1WG$*5W@RBTO4JGU7[[A.;/
M3C6EC;+FM(T@`2V"Z4,O6)Y>+_(+ZUHDD[2SI\?6BHFIW6@D(M1CQ_RC\)'Z
MR$Y'B0I:I4A]@5\<>/4E-T_^:-D]AM$K@^WW6D94_?<]!A.5"G0IBDY3.DY4
M^1N%7N1[/B=1%'(\A=NAF4/DR)7C,AIUN#$;AQ)+H+CC]3ERQO>^!.S5&YSA
MNT_[$K=&F@[/,9H(2/3:GG%QE>JRSQR@S`%'LQ,GL!J*-M#I"#"A')<-Z++2
MR-:['%H=%^W_`!_,ZD]<1WL26]DJO8MTD:4?+U;'M8KA(Y*H$.G8PW'L<SUE
M(4HG2G7@8L\FVW=BN&)9@?)?>='S8LEA^/!2S#:6(\8\?4K)S//:0-L^BZ#2
M">V$+16;5H4"L1[FP$(4>S`+U['9_.!5!HD8KR79&9!LL*3)S"1LQGHM;3_5
MO\=B?"W"Y6,%^938?9"%Z9:7<=,N9B+KH(39+B#F6RI_Q0M7W:U4@1\C4S_+
M/3*0**#)=U&EV$$6!Z1[8F:TU%E241D3':8O'+"]#F<-HWOB8Y9+;8&M(:KU
MNIM,.U^I5:GS.S*W5M4[E=CC&A1T#D]KB*M&+D['91!D8S))V`J,A-J9@,I:
M9)]&7VG97K)']E+=CU^)[-9KC6=2M@2L"JRR?KM5$1J"0_TA1^$#@0(-"(2]
M)7J!8O*F\GN34?E1_@;0B.TEOHQEA/QZ''7W^^>LAB<?0*U?*NS/AOWZO1Q]
M>I`\]3R&B52TU@%3`)G@^;)#6O'"^;RR2BB5\E(_G,'G7EI0E+4+]J9?OI[4
M=FI^@%2!V7K;^>:2UI5G*C].#B8#XZQ!Q/KD/HYV3Q5=#6F#:+DT1M;A%$QQ
M7)+\)?\`TL_CMI\HEC!96!VS?;![#>P$&_5^]@<IC-,HI$6VCV5#H)P5>KQ7
ME.U*RLUBMQBHBTT<<',ICQG"\>"W,::=FJG<FH2(\86/4Y2FV+^Q)ZTU-AZ;
M9JZ$$';?2^R^T&*=CW0KE1&D5R);ST2LTX^X/KF^`EV4F,>ER0(N!(5%=<D-
M+98B/B_:7_ZI63V#EZG8\YU6U6&R",YQ[,+@8+6B-36CY>][?7@$V;5CC=4"
MA(XPGEEASBS.<C(C1D\'6J"E7S<9:<2(TL910,W_`.7!J\)XBS>R\)<*]:90
MA]V!5:"'I]BKEKU[UQ(MV-.>6C.U,4_E`R:1;1HL@223'29PI^9!G2^3$L=%
M^W]#QD$/?(R0-C()W<PS`U%V*V:=VD9Y%1'TBN5/V!G52FYO.)4V0S9<B-2P
ME'[^6A,I4V4^VSV:E^428;%^W]"]O4W3-ELV\:]2]5L%WESP=)'6,W4SU?K,
M"EU&Q%=AV"OA6LT-A1$4@9KA#/JN+^[LF9/3QYCJNN)FJGM-C&26/!SW9M4]
MPZ]7*9+CP?8"/=!9,X?V4S9Z8&YFPLNT7"BKE4*I&%YW^F>RZJU-R48!GI)Q
M$=^.C_@^0)<?:CC+$?TP1^GRO:&^<S31IKOL28ID"1EE@$7+M(K%.V.T!R9S
M`RMZJ-GC!JB-FKSN;;B5B5R&F*S#>$1.R?O=A1(TI0/'Z9.B?41_V%MNL*NN
MTU:^BAXVI:B%KDR]A^P28B#;$^L=K[4I1%RK4AX[T5<8EEB1YGZJ,P^@:Y^-
MUR&B,XL26,816&FS_=6:7Y40:]W3RV&O8A$XZ*@UV,(ATX[8]ZJM`#5Z6(H,
M>+2B%&K%5IQ,85*&N$)[QUER.U)^V>MH%QP9^9R/:`+>JQ$A#]K'U@OH.<D*
MW^QSRN01]WKQ(S7X6\G_`&.+3*I!-![(+S)A$D')D."IDTVEUOGY;J/QT`\8
M\XS@F'N)"]E[?;=$SJCIU7M)MV1E*Z%'TBN5Z12"H$]FNPL:/,/VXB"(S@^E
MP[3'K4<%%_*8^;DAOC$>0T\26P$<)9]RR?;RIPGO7K/\E1F-KO;]AGU>@#K6
M"SHAH!/#XS=:F0R^S-B::(5.%6^K5^/):`21\1CC5CEP_P#,:+\SK0D?7)P9
M[$XA[0VNY;D2N&8RU#;\=RTJS=JXT6]E:O&"5.%[<5NE@4^OJ0E+D'V!U=L=
M:CSFT/N*"68FS9EJ>Y&YQH9)K_'\CKKV)N6S4')?4^JT^5K='O-G"$PABLY]
M!!:W>EW*L>O%JL-:JMA,V`$?08#0M%#0FRYA#3*97&_ODOLPWI#B1%AMY]"/
M81+]Y['K=?;V>Q6D#6&]-M4N_P!9`T^-$KPUD`/T5=9%"+H<H,&"4RRUPOXW
MUM`:>4G)F1%]E$F7IDF(@'QQX-[[+V+VI@7O28F=OZ[`@M+RQJF?PRG13-$Y
MD9":`1KUI8,BL_T&Q.;6(/\`Y;#([L>3*2`^R0-&R7>R'4`L817TD=[BO0P1
MC1+]N4N#W1*F5N"L]JX:LPH->H.L>O$6//K->&T]=S8K5TJEBN!`R-FKFOR8
M41:5(93#^/H?;['2_M!J&FFO6JNWOUO#:3-.Z#&&F:T4JH*1_)JX-)4D_;:L
M4.4R93[4:F031Z$,%/PNQ(GP.DT.3I,6$S+7P1)9PSL&JR"TRL5R6?85%.R@
M(>0:C+:2PJ.6?'QW2+"F$*6EE34Q2T]1SO>)^GT^O?!B5SN&&T[?ZE&IEVE'
MH@J+.*$&G:].C#YWSEZ9;*+*XIZ5!(-];2&N4M2.?9SO)"6U=[U*>H4*FT\H
MJDYZAY^_9;A<6+QH=9C7DL/LFE!AY.K=`6Z35KQ)TFJ/DEF:H3)A45"Q3)76
M'!LJ"X_#D+9EJD(0S\0O)E2ROZ\/7R[@I;X6S'V:I<K'8]!@OU87CRX\T9H_
M#1<A%:L#F8D"5DB*?M4J2$-$),ZP`VI"D#",9IY_CS!>;)Y6?1+**SK$/:6S
M!TM>6K<;MDYXS6,AEAI3A>4+(LPA()O,6!U$>'%Q")_2=<2(-3R$F7*GS)3\
ME3B1.3QCV)?=/4>@WNZV&W&K-?&X5C--V^33(!(#'JT/0.5"NYZ_?(/7*X_8
MD&Y-$K$88J.X0<%H;6\^B(F6ZI_P3EXP6%=<*IM\N4"\&9=@9,#NT7K#0XA&
MCP%?Z]L%DLH/Y6'($AU7S$+3)3)^CG/D:2A*?LZGJE!DYSHWJ5@8&_#:P'T6
MY'RN,L![,$S:98:W+BYWRZ3A!`N3D-CJS#.+3J17/FY<EDC,D);ZA_H]$-A]
M2%"\G@F^5>K^.USUSM.'9]8'9F:W@.<K+5EK0[-1)N&*_3-4B,W',TNE!15F
M,UB&(2P@F:C%"3[S'TFOR?M^W@.3SE^I%=$]`\GTP4W`L%MT9N7U5W7.)QY-
M(F<*.:-<-(NUN>(5^P48W4)#[YG5"BX"U#N]$NMQ)$/X945M_P`!2:+TR_U_
MI&1D&"58F6)]^,"L=>;29(QIC7X%FT>RZB16KC(^(OLENQ6J2VTO[OHF(EM'
M>*4GKBA&VRD"'IMF]_,7*Q&=?TRVW"Q$B51TVRQ#6=QB)Z@210*$3P:PCZY1
M(`0/3WA@R$Y(_%B0K'\CBGOV*.O=^HO)HW>P>ID'=-8.G[]:S?<AL64T>AV3
M+PLR%#AW<G4+M>[?$D6N1(`2B\4:)EV2&_#Z*)0'G9##B)7'6/M0H%+"\>IN
ML"QG'L0M=AJ%(M:"]Z'T"F#K4&X.SRNR8E78LU_+5$X9K6:4RDU^*9*RCQ!A
M<Y<1$DBU#;6Y]ZTJ<6(VW_`JB)Z*899I(]3=[M%NAYT-M^2!H!-C)K8NBT@E
MQB4WEPHP5S<E8:^]023J7Q1)N6W98C;G&'Y[[*6TI%Y,NRJX1FV<:X(N8BYF
MX-Q-A+8.:JI0W7'F;8)<K&,UHJ['&21"#CW*U%R4'(Z[!>;XT_,?_(^]M]E#
M0F?&"-H]9,OMD:1;:+HEM&EIULY<:YH-,/5$X[7K.+O^XVF=*`?M*Y8JK.0L
MCN]F$RX\V).:Y"6VU]J)#'S=%R_<UP/U%P;-(=&K4,Y8PT9JS!V*6-)6<?UT
MH=K]LS+8X@>%V8-_**RNR/7J)(>;2I;ZX")ZN]YU7'&0Y-^25Z3ZLUK5-`LU
MWM%_T-4*TY1,R&91XCM+Y6Q%>GR)9*45J<^73)ESJMCFV#\`E)DPRK:)LL&-
M_(;=9AH:\$3P9H3UBJP0?6OBN>@2;;7#.JVONA/3JRS:C%UV$66%VFW$V856
MBU=LE";+]4-CQ1T8?"_'8;Y'4RW\:@Y'EZ^4>D95!C8]4MS):/,RL/,$&ZF7
M+Y9)L@QRPD(9M@[>QM&J=;+<M$J0B0]TA,0V^3=(R9$OLF0XEY`-M^24W[$J
M);K8WI%E)&1TX-#SU;KS!2%`#QX>3Z0SK821,_*A._&SVP0^)FK4ZE*X7U1S
MXU?]G@)OT.=J#Z5>M].NHDI4[%(D%R/\'TT1!YW-IIXLO/>T0>U;8URCTQ.A
MD*P;:K@9DC";*]!K=<XZU'9>>2O@KDRT<]]0LLS;#[OZ_`E3VZ)=PI6LR9$0
M-0JU91H&?6F:F.CL&Z=3*XX<,UT1';Y#,&4$S*G6T+D2G^I3]!.3SGW*1@>D
MWJ?$OX^NB;<P]IE8.@=%Y4393+KX>A@85(IU#FPG:'=ZE94#JM:555LQ)GM0
M69[=B(S)D2;'_*4UX+REC]"ZL[]/LMS#1ZWIM8=*.':[GE>SI/#HJB'I4Z!4
MQ)*O@#'+21IKMZ`EV`)9Z')0)*CX,YK[/R(SBN+ZL3+Q@K,[ZK>M6^=E=$WC
MMF)5JV6N[-R1DW.K_"KE@U*X&+T3<GU>V5.W5`A#(J)SHD:,3@2FTP'E*3S\
MA#4EL7DT;C/_`%E]9@^]3;Q1[FHAJ5$MMLN)NCB[K5Y<:LS;_1:Q27Q9FDB8
M#<T#78+`-PH*A*Y':AEC)"0U_P`)*6FP;ECSZ$CT[U%S:ZG3=Y+W>_U+I.QS
M+C<U!"]7BBS`OX</ED:\2=.54N\+K*Y7KK793SD1V+.YQ$MO\KC,E2$@I-$7
MD>D.06</79E:O^DB1SV=TR@.&JM8*K([<\L`@Z%%'5Z9/(U(PQP8?1G@>9(F
MC^19KBD.I8?:8DNMJ#DU]"8^PGISFOL@1=*W([<P\Q\".K,A->>JDD>\''C]
M*&<2L/;ZG:Q'[7L75"2HY#X/SATEN._"=CNMK4X(I-%3V;U2]<*99Y$[0=JL
M@67>1U^K=*K=NOM`K[(\+:A>U<M(.C1G:V+,GE05>P1Z7QR4\3F,=_"2MQ3,
M;B'!<O'A$]"^H>4/5.1!AWZ\&,T)UV[M4P/PS47*]4:KK%BK.A6M-6-0ZJR7
M(B2YZN,38JR<TBF&P\MF/U$?XFVPY/\`F0.#Z'9[$IE21B^F$:7_`!FR.Z/E
MEMKM,Q.;T9,GA&1U5DN64'G8BU74$&#/*0VN68>?.0G>1RLDA$[UI0<G[GT+
MY_\`K_\`O^#$>`/`'@#P!X`\`>`/`*[U@Y8JSG5LL-5=ZR="BUDHBD9W:M9D
MJ1$=;>ELP,XI!NNVNWDI$-+C<:'"F,O+?4GO_+G.H4*L9\G'M#]J[P8(8G9[
MD5RL/G-X];4[SJ(\6`M4XWFS;S%,"!D,7*/;2`\K&M5UL<UN+#<`LR&(HB6A
M;RW6.J6*X^N/7)L)7OO6&S#]<@XYK)2P$B5];ST5&5G[+FDUS*CN@`]%MH.3
M,N\>(&&`5YO->8CEEP)Q!J9`^!GJI#B8X<2&$_[$P8X!;RH+.+?H;8BO7"T`
M#L!NKTFKDE_C[H:S:G3%G;F5L+!.PA<*(MRB:8'XK#CT9YQECYU1XXO!EPZ+
M[4S<X,4&!-SJS6`U?J$*/P\ZKG\26:''IL$Z>)-3KT=O0&I\'`0M7G(>2AE7
M'WD(4R^O[^->"8(>0_L`H<&NMZ`C,]+F99,8OQ`7H+*J*Q!(!,EIIZX:@;X"
MFW*+9(D2J]KSPQMMV*F21)]XF.VJ-_[GP.+_`)FE=_L>S)@6"(*S[09TPT"T
M&<JN@)%(LMGA&\\:OLN<)4"!VR;.F!#0W-2DH<?82L++CI;6A_O/G_'%X,L'
M//>;)=#M][J<"(7:8SK.Y^@V6W#YU8M=.;8KU>I-EM@N$8J1TTN4L2/T"!R'
M,^),$VIF;V`Z^B&M:A.+(7(_L7RH"+L4R]T/3J*1K5?'6N6!*PJH3(S:\1%U
MRVN313U>M94;-DA<\M<,X1C\?2Y$C)?;[]SK/>*#B_8L?&?92J>TO\FJ`_++
M&P*@T[\ZWOWIBE%Z5^65M=RIPZK<2,L9I%TCENT>=-_+@LR!*H7QI5)Y(6IA
M`C6#G;GN/M0T@0C2(.3V.OT.SG'[+<@=<MX4?J-`#ZAEN23U9>&FW<T[73(&
MWVVQ0US9<PS"(R:TTEAIMHC\T09<5^I9-A]B]P'4&\66)!R9%MI?L\7Q@-1V
MQUO-NZ@*E60`.I%6K)/^0UZ2#OI,-8./D2;L(@-@?B2)"H78;+CR!,+/\CO[
MP8CP!X`\`UT(0)&R2DT<+'0)AR8V1-2X4*-%DF"#,&(,:G%'V&D.D)C0V`Q'
M2Z[U:TL,MM\[]J$\X!L?`'@$=!4^I5>4<FUJKUVNS+.3<-666""#!,JPF'?N
M^4L<?@1H[I8FY]_?N?D=<=[]>_57@&]?88E,/193+4F-):<8D1WVT/,/L/(Z
MVZR\TYQ3;K3K:NI4E7.\5SOT[_CP#^1X\>)'8B1&&8L6*RU'C1H[2&8\>.RA
M+;+##+:4MM,M-IXE*4\XE*><YSGT\`]O`'@#P!X`\`>`8C\"#*DPIDF%$D2Q
MKCSPZ4_&9=DP'9,=R)(=A/N(4[%<?BO+:6IOJ>J;5U/?KSO>>`9?@#P!X`\`
M>`<I^XX#8[5C<FNXB*+$K25,<CS)-=MDNGV@&/0`L,@8:KL^/H^4QI,R/=&1
M+4AN491':'O2)/XT]R.W!D"QPGEG&YW!/;/D2+.*R-<O(NU?S69LE*`^PLD$
M<L4AT]=H^;#:(5FWBN!:`-`,'!,Z<P(E"(\P=`<CR$RG>(BNC+*+4OF<>ST*
MC^E]/ST&3B.YT&R5K3BU>T#]9*"%*H8R,?:0AR,G0Z77+/42-#B6=IYY0RT.
M/2&VF&(4?DM4M`B:\Y-OKE4]F8'L3+O.:"M&MV=(;S`P<#<O]:KD5;%6L8AD
MU2,L"S=,&5\E&M8<A/GG?Y$)#/MR!R$1BLUF6W"B@L8P_4I>@Y1[;0(=&[KM
M:VJ[E85FSLGJ+U6]C(P^+;*-'Q[@<14JTA&JT]$`YF>O.)(6GJ6QJ+4VPY,X
M0)\>_6*%;C[$1K.%>[XH%7E6*W;Y8+<05H0.]I'WVJ"ZS5W[%G0P"6US+Y\W
MV+*DR]Q798;L^ICS$!BMM/3Y;3@2M=ZS/8#,<_H;L9BOM[405JN%;IEM@Z%I
MU6[63X&M;I)>8#'&,BK=-I=UEKT35++&&IK!8"ZY.Y"*F2C$F7]K$@JVW^7T
M7,?0MC3L1]D7,'Q>@YN<L]+(!-,O,[1>9V6&)MD6OGE:5(I9T.X]IF4AS#%8
MM!L04D0)!KL5WX>?/!(H:7"=,B:R\E/KPSWYGW`4N9H6A5\!W3[S9JX5%WP9
M<GJ56S!Z@$L@KUQ"RM,SR`=#Y[7PEE%V9;C-L22;/-K8'D'6VWX`9B9Y/'_;
M(]08F9,4_8!D*]9_2JWI!2T>Q`XY'A70`+W&/K]C6?;TLK;55[7"=PK71;0E
MB/WD:#W\F$*Y%:CN!F/Z'ES#_;^'"APJS!U"O?:$I<7,E\W2`S"REP5%`M:2
MSIXYJ^D>:',N=4B+#AG>]L?ZXFTN3QR!\O)Z@S$Z('Y+NM9P+1*,Q/T.Q$NZ
M9E9<%#>U\F1T6Q9;%$X<0VNKA-/L%K9,@S]O+#KK'A.2#$#X7YJ?QY,&.MAU
M@3*SDB.7>MNK1<N]IX=XCV?ETW/+FJR%;-ZV=/EVN1Z9<J[50).P1;/-C"[-
M6`A48+(FH+B'"$N*N5V3*_Q(6*VLK'HBBC/K'[3@ZPJ9E*=.IS%QL!(MIE,=
MV2>=LLNI0R.#1JR!`MM[=51(Z[(#B+,N9.'6L2^12E]J83>[)CI4":]SHO=L
M,W<RQZUWG-EM6W9,#RZY"X5MNI`$")EKK>8^/T2QR3WX4LG`9DF:8W9"LA,1
MV1#X2'QVTN*^]E?037G/HSF%CU;]MJ",J>29*/LM,SJD5Z\TP58*=J_:VT6I
MU@L>HEXTDFTUI\1`6^\(D@TJ/)'5A,Q#2U.NF^.\7`0+F/K[DDN^">VD2Y19
MP&LWK0DT2Y:&3Q\B=]@B+-2K6:/TSV7HX*KGQLC2PEML.DSV+V`?'F7'$DDQ
MU1V9!X?V&_WHF5_C^1IQOKQ[3BVE&R==V\\0,AAPJRL`O8=-6MYBM5:R>W,?
M,Z]PHK<9L.O&:DJ_9Z8G+8+S.28$"0R\1)OL/0YT+E%GYE3?9*G[?AE-OFD6
MH\8O4K8]&WQK_9!HS`9`Y=:5IR<G4P3DM\94J?=Y=YAP9HV&R/:>C0&FGF5N
M-O?92/&/!MYOI_I,C3[7JD:PVD69->QQ&:*&5RT!*;"%X;9R.=G[M)EGJ>R#
MO5BY;3F:B_S19$M(XF(R['88:;D._>')8P5Y5\1]X.0@L;]SI-?%GV@]2TD;
M;-S:LYB.3#T@)<[WK=.),64XW"$:9J]%16QXQMZ(Y"%V>;+[`',??'0&8D"M
M/KE[HD"C!:'%U&#9HH4E7]$O(G8!Q-VZU4I<H):K@<<JK.UYFY2)M*"1172W
MT)U-@M("OI<<)\>YV6+F)=JO6K>.6'/CMK)ZMH[`C7A-[M;<K:R<)^4_7]JM
M#-5/C:TU?!-6`P!V3'V9,\(.6V.>895'4Q,E,L-J$Y(LBWXQN`38-[V>CR;5
M)8L>A^L9<)0:P:SH3_/*=GS^?HU#["AJ*(/0CTL"((C6X$^PP`T^-W[5L_<Y
MQ[P3*PE_$H,!A7NJU7`UCM9752-B(E*NUIM.@>P<I<XOF0RN>MDJPTBGR.74
M35:_<21VOW=A!>'(%3'W9;_WD6&)K3J!<Q+-PW"]GRN9ZCK'4ZS"F!(>]#MU
MKY*_!IU9$LEX\M-?M=KL`"]0C6G:\"'#A@:,[,%6<7(@O2%_./D,M2E@VGDU
M<[`=ZGV'=`4!K7*P#NOL,9TJ`8KFC9S1:L4ILVEFFH+%;L&>&0^Z,DIUO_7.
M%H1U[D)7X_/QN)9XI*A<KQ_`J"=D_M,S?>9+%(;(;FLTBIV*MGBFZD"M.KD8
MD7SI&J3-)@F[DE[0%W54*XBX,5V.8Y`5-1QEB!$7&DQH,Q]3%LM#]N\I`@7Q
MYBZU2Q(+`<Q:7+V%LI1]*FZE<ZCF&;C,YHL&P%/XC)P;';(=)$.\&BD33(6/
M,ZJ>E'9[`9BS9P_7?WM:*C6B>K;(L6G5S'\GF"+")GOJ9B&2SN?ZE4^E_902
MHK5DUJ1'AF@LY@4/;6Q'5RIDW$2)"J,Q.Q]/SB]HVS2K6,R[NE"-=P:N997K
M9#*4B-/R(]5Y^G3B#)F%<3(2>FG6Y=X@ROR`GY\OLT:I,F)]J8KG!BFL?S.6
M!GKG[:4=%&J=2G:8[6:Y!S&#19/^^9DT7G=@'!L"<U(WHD0]<%DM`IIQD/<!
MPX6IHRS#DO/<CPHD><Q+C0N8OU-08PKW5G5X,#Z3V8'9&[2`7<[Y5-9&G8D^
ME<RR4'H42@TZ3N>7B0IG([^XW)L+4CD>$=E-?GN\/M.+@\HS$^RZ.*2A/%*^
M]7$IXI?TXG[U<YSG5?;S_"?N[_GZ<_QSP8'Z\`>`/`'@#P!X`\`>`12[4H!H
M5<FU6S),*#SUQ7)'Z"SV>G%>+AR6I;"HMAIQ@#88/T>93]_&)3?'4?5"_N0I
M2>AG!J*3E&=9PXAVC5$365-4ZFY\PD6VZTU&I6??O.TRMQ6%.K9BC`"[+/6R
MAM*?N<EN+7U2E?7P7+900/T>P"$)M$&QUB3;R=PN]WNY>Q$+#:QYAF1=;MHM
MQEAP,H588SM4!<1IY:!,ABE0HA>-+?\`S6GNR'N*%Y,LIWUEP5YDI'<S"M?B
MFG>NDXB&I;4.2KX;_&XC\1J4B,RPB-J=@;2TVE#:$$W4\3SG&^($RS?2,/RN
M:]4I4^I1R<VB@8U8JY`J1-%"8T+$$%`3,5PF0)29Y)WHHU+:<?E./R'?G6M:
MU+[]W@99#1_J;Z\BWB3D/,Q:(Q822"30SQ.Q2ZST<:J7\%/HC5268?K,"38Z
MK_[0G(CQ&I)+G_9)<==Y]_@<F>*_4O"'28TZY6;(Y8!`U(R!9'-2UA=E;2T.
MM(:&4?L2KQTW-LPL)=BL&$7??<*P8,YR/'D-,_1'`Y,E&?\`KUCN6)),4"F,
MUH88`PZX5KL0Q8GZB0'PA@\,F1+ITXO+JKYV:*%1H\THJ'TF0:92F3(>YSP&
MV_4BHGU"];0T,+`BY.`E1Z](MLD3^\E&[+(C=O-#9RVSQES;$5*S)8XAFT5D
M"B(\XY%BB8[,5AMIEEI"`Y,L:JY#0:8.(C0(LFELO7(%1*3R]LM]F/SJX*E6
M68*%2;-93I>QN,"W[@1_&5V5\D=,GJ&U)0AM*`SDK0!Z?^NU:%9T#%Y^XH5D
MTYF;GL,K<K]8$5M$5ZN2X0AE9^TDW9U6'$J>*FQ0\I3XF*0&QI;4=$EEMU(<
MF2&R^M6+VTP"L)>I2FCE;O1[2PI4#;[M4YL2\6<7%"6$^I^JV,,N6^7#1$Q'
MVGODCKC*<:^/['74K!-HMT"!%UH8V(#,/1Q[4DC+;:?FSB+G'RI&66G*[*)2
M9<M2')TYQ24=<ZAI/>(;XEM*4\$-QX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`<N^X&L6#)L8G2J.8Z!TJ]6&O9KFQ?E*/:-^FM-JEJY(LSE
M&K(TP<L\2E5:"2-R(K$5[Y(XU?W\XW]ZDBQ67^AS2"_L%+V`&,N$;/*>+HJA
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M;AR$(D_:_&9C@HY62+>POM7J60ZQ>`8NJF#F?5*1ZQE2=@$L45V.`%7>TZ$U
M>P$N"7L,"X%C-Q#U9B*-7`@3&XDAQ*NN-<^3J0237ZD<[_89;1I.5`.8[5'V
M*="J5@TDE4M6F62*S7="GXE%J36=<[G@_P#F5C99W*&LA&E*%,H4.<2PZ]R7
M&7R%XDH+>W^DG/4OVBU\)3:P"T3&Z0W8:B*J%V@:&-L$NP8M2-EJ<+]D<KM4
M&P3;T6\QQCK,II43C[?)/'NQGD?;2<?*17'/[`[=3*O,,$ZY5M3?ACG)EA3#
MMG*"6`:+;JWK-W`Y*)J,FG$2B*WF/,ND5JPF"[K)EHDW*DN#T\AR(R!>):-3
M]X+0;U`3FQC,Z8)<%:6UDNE%6]1EK6.LT\SMHT:8S\9/H8YVY5AF-B<EZ:N4
MX*DL=G=2EMSD%]:Q./C)87LO[D"?6>UU8+9:>HF`L0N!:I%G38F!K`>A`#4B
M-M=RD1'!DKK\#(JW-#E'T)=YV:T3ZC[F/B^]P%'*.40OOQM-.$2F+ID$>TVO
M0]'T0?DP`=:#I$L*X!N[8R?2+N/J^7D)X[^-L$FQXV1`CEGYTECG)28WR?>D
M7BOKX+JK/N_H%ETK/:"UZ\%&NW:PV)!%$2QF3!RG4JNZ9"R`H<LS$"AJK0D[
M7[:J9,+0I!5J+%$PT_!+E39+47@G%8]38ZW[WM9/L1G'I>823109-ABHQ"):
M6H_9Y>\A:J0Q`>V/=!N.\<U8MRWCF>I<7^+(ITCZ?/\`D)XR"CE9-E1/<X]:
M?62W>QAS'"%0C#Y-5<HXHZ=(B`=P!:%!H\JHV*99;!40LL``%3;RB&>(<&RX
M43];+E1')D;XNJ!Q^[&2$&_>?00ENC4+N2T`E93-^@XX`=A:V42-_P!DQ+%B
MX"U$["TO-5E0^<L<V9F0+FH9D3IZ8"$.16/V$92!>*]?8A(+WLU:P3HAMJB4
MQ(ZQV;-ZKG50A7N1#Y+(Z72L`E/?[-/3\[*S8\&M6O877(4D*VVN5"C=2]&4
MYU'DR.*-^7_L@:"4EH[+RZ.]9GKHQG2*Z.N,HFARR.TP(8=*1D0:B_8IM3B6
MDRF&X^R-7+Y`1^3R/U]7(?E'`MS1_:'2J/C6+:_+RT=7';,6M;^K4"Y%#<"S
MA*]2\>UW22L.E]2"8<EV(I(S5O\`7I*QH'%1I*>26HSJE?`(DLX-?:/8743N
M#:&>`"J96]9H&X8MF"VZ]>%6K/#,F[7'"B_QP;I*ID:<D.4J&JMC2+OZ94F'
M*3)^!#G4,N*#"SCV*=M?O7>3%:DM#*B"I3W+D+RN<8$W5-EM8S2QHF-?K')#
MT\C3Q[)?*YE7'2Q\4P\_'G+(/(2J`TGG7$B\5_(F&<>TNLW2J^U^F(@4./\`
MPK!\XU_(:3VW/6(()C6K-[W>QD>_DAU7"F1!X@D=$07A,IFLQ_A^L20XAS[O
M!&EX7ZE>J]YMBS;A<;=,ZKM^.WC1[%6\H14K39B<=HD')Y<*-`S0X'EL\_&J
MT&7HJ4AY42,6(SE,?9)8C]?;4B%XY]"[-^]IKEDC>!7"/23G)6H4`BA_(R*9
M*IT#0;C=O7BJU>+:9=:KMLL+::-)T2>U,0+A2W9+JNM-LN+6UU%(EG)`V/[!
M;$5MM;HPS(A`VRWB%71H6/<+E9*T.I>B\Y1TZ+1=-,2<W7#C2:/)NJ(OS@_W
M*79[345Y,9^3]C`O$KO)_?N_P\Z%6&TU)C0!=;I>:VC3+0NZB(U@ZJ[US+1\
M6)GE<KN?1!-D;>LUU7,4N=/B]5'XY\3J_D88;?J'%'2HSVYM*L-UW3C-`H2;
M5EUWH5*:!@=:64HQM_2*KC%K!$9=_ET<8^`C#(VS1V9_%"Y'4=@..M=<;>;^
M@G'S@JMSW\O[KI^"#PD-;#M9M]IQZ97*YIKLH_8M>K-?TJT.RZ0,D4B,]8<D
ME",PF=:*=^$Q(DN]CL"W7HZTKA>/ZD*[[[6]\U-L`?\`C]EQYB,"LLDQ7"W7
MKE.=?N'JF)6%S\:6SD7&F4B<.VJ6VZT8:9LBG5+2F1#=XPEFCBOY_P#F38#_
M`&`W`E9@M:GY!3FU1W*$5O)<'KDHZ+'574C?KX)IZJ>\G/(7+/9H:/86&Z3C
M2.C8S21:^LONIFQE)#B3O</;JSX]JUWJ0>FQ+D/JM%CZ(=0=N42KPP]2K%9L
M-JMKM88&4,V6+VDM#AMLQX\^8B#UY"%?-%1\GR")9/H#X,1X`\`>`/`'@#P!
MX`\`>`/`'@%07+;Z10]3RC(K&HM&LFR"]**5$@W`2Y6V496*!F[)%/&%2&TB
M)D@4<X_"2IM2)"8LCZJ1UM/%BI-K)7V>^X_KSH5$KN@<T,'1QEFJ1F^P1.E%
M`]+L<:E@[`3K<NSDQ)(G]1XA<X4XM#JU_3K'4K5Q/_+B0XOT)98O8_'PM"GZ
M$,N];MXB*.CD(,6J6`&4(F_S1I<Q"AB&$D$)E3Y8FOD)*&ONXOK,"0KZ?1ES
M[0PR"5GW)Q4_>KC2"%HKU/=IQ#/ZT^0M5SI<1!:\Z+%+D@U.#QX!\CR<02('
MLO\`R-NJ;<7(ZTCZN,N\2+Q>,EAU#?\`.K+5[#8RYF%0I-(%1C6D5JZE@HJP
MYA`(,29XO_8<5LC)CU29.#L)F?CRG4/-,N)XXE*O\>"89%ZU[;X%8R&F#NZ/
M4PTC*Y4-5@29L8*,X_7"5<HUC&W2#&00=EJJY!K0AT=E]QMM2I+R$_;]'6>N
M!Q9+_P#Y%8'^PAB4[1ESA(@5K(*#":O5;>?EF;H)CGJB+80T17UR?90DQB7"
M:Y_SDQI++B.=0\UU889[&?8+"JZ;L]:/;%F8:PTMH<[;@9.[5V$5K:2\L%`%
MH-0)!!N2.>(3;4+:9;=2EQQPI#3Q/>RF/D##(ZW[2X''&=(634Z%3)$>OCK0
M5$6:\4QD@#!&"?Z@00+NB[`5%,1BLWJ4QUHDN)=^[GV][]._0,,VT[V#R@1J
M#^2G;E7@%J50P&BA4&3P6`Q:*X;<OW7Y-=2_/3)(I!0<[FRYJTM\:;BJ2XE2
MN)=^,,/&3;UO<L;N4B%$J>GT:R2R%<(VZ)$"6443E.5D02?#$S:H\22Z\R/@
M%XKT5UQ:4\3(8=;[_P`VG.)##*/ION]BESS:N7X<=$N%K2"KMO%9N/M54,WW
M^%6^YBZE7+-*$CR[C;$5]LY#F2F^.*5#:>^Q75+YS[A>+S@LVC^RN*WEFMQX
MFAT\3:K'5ZE:DT(S::[&N@N'=1$$V#B%`C9-Y]D@]!),*ZVG[_IQ]I7^4NM*
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MUR.AYQ^.V\'%G[KWM)A)NNACL[2Z95912N9W8I=<M%I`"["!3J<$7,I@DQ`6
M15\1@PZ8CQF66U.=>DNH;;^[JT?<&'Z&2Y[0^O4>QW"H3M@H@JS4.R3:C:`A
MD]$#D8%A&TX/?R8]B.37%63Z,J)Z+-DN1?G:80[]KBDK2I/`PS.@^Q&-398Q
MCNATR)$LI2O!:.6DW&H]'WXG9Q4<L+AU+D4])GS9+C<MMKC;S$=QQYQ"6DN<
M6A2@PR*-^X_JR\7-A&MYS-R77:YRV&9*+/`4&A`>VG^%)F=L''.@WW'+5]L)
M##<A;ZWEHXE'>+3WK(XLL$9NN*FBQ("&UK."QD.W77B@P;<Z].FP&[?(!Q:L
MJ4Q%(.K:Y8I-H&(A?7GUDJ)1/C^[\EG[PPS\3MXQ887+5\AJM!AG@1\%52X2
M1:0[9:!9+,J0@`$?'*E<E\)%50W^,M<1U2OQWO\`'_2Y]H89LY6O97!N4O.Y
MNC4F)?($05.FT^39@[-DBQ3A$8(#NOAW):9S7"1,W!89YU'%+<FQ^<Y_WM?>
M&'ZF.UM.0/\`\M^#4*"]R@AVK!>%,VP&ZFH!'_S/@*V5;<U20D%_]<_]CDGK
M:5\97]/K]O?`PS1/>R'K_&CIER=IR^-$74H5[1*DW:O1XRZ:2G1!D"R(D/3T
M,J$RB,]AA#O._;UY]M'_`-3B.=##-:OV?P3K4N=!U?.R@,*5)![A8X5^I/`E
M$E#`QDQ([;9,RPQ'H*.\`R8_T:;?<;DM.)<2A+$A;089DN^SGKI'Z+3(W/)X
MZC=8DW,0A^^UIE9*JPV"TF6=AI=(H4_`C,`)ZW%IYW[$P9'>\Y\#OV!ADUL&
MJ9M5*B,OUGO56KM)-)$J%6HV:@#`4Y!QCDH2N.2FO,Q5HFQ.]>2K[OIQE*G.
M_1"5=X&&_"*XMOM;Z[4ZN:'9"6QYL]'R]Z4/N,.)=ZRN<*/QTG.-UF2VX4;1
M&/RI=:(1T1W5(4E^#)2O[?QWOC#BV776S<>S5T#9(C+\>)8`HLW%CRN-IDL1
MRT%B>RS(2TMUKC[3<CB5\2I2?NYWZ=[S_/@A$]+O>5YF*%W36;-3*<)&&.1P
M=BN<X6-9AGR(PG%XP%FDE(6V8FA53&_MC]^=R+U_GTZW\G@J3?H5A*T;U%CO
M78#.MF`L+$0[)9]`&RY]$:9CCRU/*6"XV"R-/*3'=B3Z+!F22LI[[D+&M.JD
M*^+B_`PS\V+GJ]4,](0N3\ASFHN$O]>0R5?'T`;'#VT\*+-P`P&$Z)GA5VA(
MRXSGV8:H<GG6)TE;C*V'9'%"KEGW*,JZO1S$,\?B@9F5Z"6SEO:NP&YD7-R>
MA3C*()71=4K@**/#`Q5?9)19_P!ST(=$&!6V),='&T-.-\4'W-DEU+;/5?F,
M5G5NU7+-<JE^TND4BOQ$Q*,0%DM"LESGRXC1`D5BRAD0L`.G2I5:W.*D<ENO
MN-\Z])ZM8)/."<5?8/4^[,`7G2V.#;(.$5/0U56P.TAFT4>4JM&M,%2YD1Q;
MG11VK"#10BXZRK[X'Y$E_P"]''UK6)AHGHR[^NUQN48(&L&3VN]6,0-MC,,6
M_6#M@*!.0*G:P=A?5$Y+EN#WAK`4A`DNJ^QUIB*\PI7&6U(#S_(M:36J[-E/
M3I@`++FR'A$B1,DBH+\I^17Y#TL"^](=86ZZ\$E2''8:E=ZJ,XXI3?4]5WO1
M"-ALJS&MC6A%9SRC5D;&<6]#A5^HUT1$A25F(EB[*AQ8(UF-'D\L0^.0XM*/
MK^=';?[_`-B$JX+ED#R+UQS;'*K<JD$@</CM"LDNTW3MC#4YF/8"<L,&KO4R
MJ[4JM5:9'AMA0$5CK4<8SQ]3:GG^NR'775@VV3E[)<JDG9-ID9GGS]FF1S$2
M78WJ97'3LJ)86^,GXLDNL:H@_'.,\^R8A3G4R4_X<XKG@994NH>H^,[%<`5J
MO@3I*("'6>"BIQ(%8$A2+]Q@V8;9"1(T,KL70E23$2VS?RH[!Q@?*=6EY^,X
M^A+G@*32P7N:IM0LK2&;%5*V?9;$EP#;1H&+*M-@K!'CQ#P5#<Z*^A(DW$B-
M-3(W.?#);:0EQ*N)YS@F35G<QS6T0)XJS9[1[$+*=F=)C3M3`%X!'I$M#/D.
MSX9`?(CR^SCHZ/->^1*OEEL-O*^KB$JX&3TD9OG<N;7"4NA4N41IY$@7J1"1
M5@;TVK%BZN+*E*Y*<@J?"$2:^?60_&4TZ]W_`"M2O!<LV,VG5$D3X;(U:N$#
M*7P4GA>:#&2B?)-7?*2:S(Y/?BN2N/UV2<FN05_?]T1<Q]374==<ZH3)KQ.<
M9X!`&ZJ"H=,"U>ROEI5CK8FK@QP`_*/M?`=DFP\."R.*OFF?^$M;[;BI*?\`
M#G5<\#)K`V/9)7);<^O9;G(&<T.KXAJ:&I%9%RVA-3DQ)M6%MR((QAY`ZM3(
M##H]CG>-0W66U,I0I">\%RS-CYCFL2<DI$SRC12:60T=)&/4P#,Y,>NNH?K[
M"9;8],CC()]I*X:?N^V*M/.M\3WG/`RS7RL:R"?/DE9V4YM,*30$VJ3"4JC5
MB1/EU<GV:HC6Y,QX6N0^`(*)2.OPU*['=[(<^Y'?O5]0RS=KS^AN`P%872:B
MNM520+EU>O+K890.MRPB>I"R@`GL+L`/($)5WD5<=MM4?G?^OJ?!,G\!9]0J
MO78U0K5(J%=J4.:V2B5<%6@PFNQ2+1-LTU/C!($*.,8FMF642TNI:XODI/'>
M=^_G%>!EF'_J[,OW7\D_UU1/Y%^J4"_??Q&O_NOT:RO3J@W[3]?^=^J4<5V9
MV/\`)\/9??F^WY/^7@99D`<XSRK,6*-6*'3*Y&M\N7/MD<#5P8ABSSI_S\G3
M;$T/@QVS4N;^4[\SDGCJW/D5]W>_=WZBY9K9&/Y+,KG*?+R[.I523`<%)JTB
MDUI^N<&.R!$QT=P(Z,4,Y`<EU^`ZIGXOCZY!CJ[S[F6^I#+-T;HE'LHCM?L=
M-JE@`]$/5_H0W7A!41T!)6.=D`^C9\-^'^HD."(BEQOL^%:HK/>I[UM'VB$6
M>PO$9/#')&.97(Y81@H*?X]GM2=X<#@NB^A!)CC@A7[,8&Z#A?BL/?>U'_#8
M^-*?B;^T7+-^SG%$@P78`BGU<$TN/!CLK#5P%`<A\$=AK".Q$MCNL-N@GAL9
MR%]4*3'<C-=1SGQI^@991M<]/<=KN/V_$NPYQ>G7^WP[O=>3851%KL9N%+JC
M[*)82IU6MTF(*<A4D=">AQ!,>/(BLJ^5*W7775AR><EKOX?BTIJ.Q)R#+Y#$
M2I+H$1E^@5-YJ+1''5/.4J.VX)4AFI+>7U?1J><A]5WO>M_7O@99M6LMS)B0
M&EL9S1&95<[SM>DM5"OMR`/>(`-<Z&>0/XX+[QNJBT_]'4?\1L7G_B.S]@99
M^`N59?6X+8RNYO00(UF0_+:'A:?7A<%J5*+#C\F2W$@CF&$2)!T/$FK7Q/%+
MEQ67N]ZXVA21,LW1"FU`M*ESBM5K9.<0@/"I\P@#&394T9(CKBOC9<B3%<>D
MP'XKJFULKZIM3:NI[SO.]YX!)/`'@#P!X`\`>`/`'@#P!X`\`>`<M^QOK`+]
MB'@$J;=3U*G5NMV:OBB5>AP7R,/MLMV8'C!"))F]ZF._+KV?2P;G.(5Q4([)
M5SJ5H1]14\%#EOZ^(I2T"IW==+II0&=8"5=HTBM.RX=:<L!.X3I0FO??;&ZR
M.KRD6O[G4_IG"C\J,E2I_P"/U$1H7E_F9E@]!^FK,;(M;!.@UFS72WZ(<`=H
MX^64D6VR_P"]XL-R)9%GFD0P8D5NLE"XO8+C\J2.:>[);0ZZQT7E^A^#7]>M
M7,%JZ6EW=PP@,94[.`V4"8DUHW6"(8*(L0":-JMYI<IZ5/[7(3\9^1)DPF%H
M6F1!F-N?8F8)R+?+>L"RISV+GO6>N/5O?`(H:]G$^DF)>?0S\**N'.OMM!,Z
M'"<LUX,06H<1\@'>JS[D0=$^3KDJ.U+329]/T*?1Z&&HX02ECV)O$F[024\L
M7O!87*=(W-\P'P$(='7&2#ME=M1(*='X0TS,XP9BD9+!):'9JU-*6^+R_3P:
M>N_UO5.O"\O&N7O^3-Y\74\2B6:L$TA+6!FT[!JN4'2Q-2O=1<;*\F^O@>?!
MD3)!*!&<==;>'RTI:4V+R),QZ?6:V;A>-+O-NA#:P-]@Q&O9;5Q-;&OD7WX`
M3UQZ0)V6S=*+=F1",S&9$./!5"8?A*?_`"5/O\:B-,B<L+"^A&)/]>"DU/M$
M':_]]3:O('5XHL[2"KSZM)&T966&)!(S3M)H9N;1+#G;BH[@9J1%E,$>\D((
M?C_6"H.7^9<VF>H(V\Q^(K6@&LNEP:GEE7K1"EBHK,NHIR8)LX:N3:^_*F.2
M8BV>;"XXTGY.KC?KF_C<^YQ3B04L&APKTW(8I?Q-YCZBB9QN/H/;:*K]5.UW
M^?RKO;#ML&0;;.-:1=>G*WGLZQRW`29S4P[$D29"^EULRI,9T'+)%X?H.Q%Y
M71'=:(O5"MDZ7<H@E=-'<.OZ/4\XH.2/'9-G_<J^ZKE*+0FD\#<A\6P0DJD=
MF.--,Q4!R(M+_K?AR0+]79VDR/$#1DF71IT&DB&K74-#,"<I#G[JJP.%W6C,
M-V/E;78`Q41CD+]B^ER1)0U#3'%Y&$Y_5WFO7E1OYA,E5V:SH%<G@2`<FED=
MG1XV')YC5*?T!<J\.%S\0'5Z!`"3"T,]%4S#:<7!Y(;;=0'-_P`RV"WJ#=SV
M37&@%-X=38[WI$.]6>Q@J%*JM<,BH64UW)&J43J%<T`:6F!."JS$)]^IU*7B
M\=KLAM^"ER`Z)E9]#UN'I8W:9^9]C:5(K8F@YQFN?&FPU8=9.:5'RVR"++54
M7F?_`"GE;)`0Q(:[*&Q?TW)XJ?-D.1B"(\B5$D!R->,]$:\+&U0<UH)92*M,
MSB8RYRNBVNR^YU0_7VB16W$(E?1E)*+@$9]?V_7XE$7$)^J64=4'(T%+]`^U
M?0J%=BVT'[9%S1-5CU,45KSRYD<964T=3`)V?+MA$-!"1)%)1^O8%"QGXS<E
MSLE4V3_[GH.7CT+$O?J24MUXTN\"==+U&?=V;`X"_4`'V2-6GVJN>O\`6K"A
MX^-M(<P1!%AWKY!9<8@N!YZ8Q:<AN<VYV.\P"EXP<T5#^N-N19I"+J49DUJH
M&'04#A2,76-TZEV?^"WBVRXX*IZ6*(5(@(O=:8CA'S$XU\7(*WY<"6M4=_@K
ME]"Z8_IC>8B,WE1]U%K.Y'5Z/5:.1EY%'<@*B988ENY[+M`2+?X,4Q-8K1XM
M!+]AK&-SY,B-+AH&=B?"^)R7T(Y7?1N/GUJ]9P]:)G3E0R[0;-H5SL4]VOC$
M%!T3,:57:Y2B0J+WDXF\0U6@UBTL.QF&XT-5<^%:T)_';=#EZF=:/1&P631+
MCI"]Y*LV,_8XA6KV215SLR\YN-C72VVIF/3+2G3(D828$"+>]7!RXX]@)_'4
M=B$1)/LB6Y(#EXQ@F6@^G$ZY:(=O0W5.`&']!';/5`DBB1#:@6OC0&9U9DN:
M+]L8R59Z&X$S",E8)*($CK\MYSA'B6XC<8%+P>8OTG@,X1J>-'-(*&2.JS@!
M\M=HE?CUU^'::YVO3H!%@0(+M._K%G:VR^Y$;G,._CK6PW(;[WCW`Y><D,&?
MU_MQ+M3K/*U/O0=,DB"XJF#:M8N!QIMFPTBV61NOJM6G7)(FNVBTU!\N\V\U
M,-++&9K\DK+;_&8CAR\8)#/]#JY/X'2YH!3B!,5$;J.UP4M$SB;MM5U4I]*I
M7T^KDG9Y#/>?Y^O(2%__`%.K^CWR7D5%;_2R\$M:G5\+T<7R*\7C1-CT8OH]
M5K=@K"[A;ZMNE>$AQ$$'I-<T61P4K6(G'(J(XU/U'](1S4>2M418<O'ZEQ6_
MU2UW4/789AE_]@B"R(>?8`DBZQA9TI*OV>2J98*('9T>.W;:P1L%M2R8;.NN
M.SGH'349GDM@DRVY\XG))Y1H;+Z"MS^#2-5UJ16[0%"Z$"%E25"$V82U%U`U
MNT^UR)=>4:#MS)_!N\368B^R$H:DP67GD2&G9$9P7E]4=XU(`BJ56LU9N6Y/
M;K=?"@$3GFFV'9B`XV,.3+=99_ZF7)"8WWJ2G_BGO?IS_'@P(3JF5P]212$R
MS$H/VD6^9;XJXL6/)5,DRZ!>J#V*YU]2?QT-1KRY)XM'_/Y(Z4__`$J5X*G@
MX<"_UC9T,#2:Y-N$DJ+59J>8C$)`"4Y:7:VP5[.UO-2Q$A:R=?>H.P#R!,?)
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M6`>JA"X+(2OX<TZ<N55/6(FNKYE;9T:S00AG.LUH4B"'!1'Q;LX?+$QY\>8S
M\LV++$<L^IWOX,1X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`4$6]H<*!P;^1*WZ'#CY?JM1Q*[H6+/*F"-.ODJEPZC66Q[8M<
MXJHW(T`5QJ5#;?A)X\XI;R4QI761<,L!.J9@MZ#'1H]"7(*6&541C";A7E/$
M;7!=C,3JQ!:X1ZN788;TQE#L)OBI+:G4<4CG5)^HF&:^Q;!GU7(`AQ.P1>NV
M"!)+0GX2T38#(B(^%:?+$9["U1!XU+9YAY+SJTH<CI<<1U26U?07#,;-=KS;
M6*X`LE/LXN4U9*:,T,<&?)"^65-(.<ZX$L\T#%GRY\(078^UQAUQ/.=XKB5?
M:YQ2$@TT:&I^R&1VVK#KNBQNU2HF1PDN%/Z2+)9C",##WY"@4X:B^QJ]+E1#
M4>*IZ(YQK[)#/_)OJOIWZ`TT\$W(ZKEX?]O^VTBA"_X\3A!3_P"QN%>A?HS!
M)EV0.$E_R2+7ZTF0CLK<88>^QUU"%*2GO.=[X&&>)'6,X%$R@F==:PQ*KS,I
M^UJ6?#H8IK4:(Q/^^XO+G)Y6>28DE+C/9GQ<=1_GG^/\^!@U!+<<S$U^SVB5
M8%.A:I90%0E218PF=?,62UB:D9JXBHCP<0B1N$VR1KP,1!;&M25RGI/$-\5U
M*OH&&;4?J]!EM"N$+%"JA8Q7Y]JC56\N)I5S9KHGLGA4S.J-EZ-L$$:-Y#=4
M^^Y'2RVA'5]5Q/\`GP3!^$['D*HA@@G5,W5`KL`:5L$U-XK'8@(68<0R()&)
M/"GPC(!5YU*(SSZD-OJ5SB.J[WG@N&9[VGYI'G,C)&AT9@E(EAX#`]ZV@&IS
MTZQ0E$J_"9B+()D.2S@Y/9$-OB>KDL\ZMOBD_P"?`PR.U[>,>M(L0>":-3Y5
M<LDL..JMC581$<';21WDK]:+JY&1,;9-E'UPW4?C,?<_\B.I^WO>=\##)0QH
M=+(#K.3`V(=;6J<Y+C6.'2GN70P,(0F.R7PSH2K_`+8LL[UKG/L@I95*<5WG
M$M][WG/`PRJ@?M5B%A+UL$.M!/A.S=F1X[$^F746V%+P3-SKCE:N,LC7XL.E
M6J18,Z/0HXTJY$F290B0TTVM?$<6&&9P?V7R$^*S"PB#-@EUC8)3`^BVKM"O
MD2MS"DTH\%&"#1>;6XT6I%RY:.N-%BENPGWGN<1Q/W+1Q089+9>RY@/OQW,2
M-R$C;I6:'$TT^,(J?@11-'F%I01L[-.2V&0#+;)")U+[/97Y$9MUEUUM#3[*
MW`P\9-A&U7+YCHIB)I%"E/'@LNQ@V8UPKS[IFO0$RUSCPIMHBI9$+"1`?Z[*
M9XMAOC+G5*Y]BOH)AGC;]8SJC0BLNQV\#$?$`[18G@S12#)L4L73!SQ2SN"Z
M^S(46*/!H3"EOML-+6W_`(XKG.]YX+AFC-[OF-<TJ#DYP[,&6XB,BE(ZI5>L
M2*PVB<+N)V%!FW;@OM0'&)8+/C4YN)(FM2%1!KSG$_;Q/W!AXS[$AB:OET]X
M9'@Z309L@T#DV8.Q$N-=D/%JW";D.S+`,:9(K7/!Q&H;RG9;7%L-I:7U2^<2
MKZ!AFE);SB0B%7B)'7<VC0;=)#PZM*[=:ZZU8WS]DC4\/^C4R0<_:M3K1+;@
M(<8^]ODE7V*5SO._0,,MCP0>`/`'@'/M7]G\AM^[VKUK%D+A#V&G56=>2==L
M>8:74QD^FC3XVK2K/5[A9JF)IMQ"<L!9F*B0*GS&WG/O^/JN-.]0+AXS['07
M@@\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`XBN/HU0[G;SM
MOEW*WP'K%8Y]O+"8+8/]3-M"+"$,T^P26)(U]Q\MGX]!T<,<4K[?Q[))4\EU
MR/#4P,N3(W4/0*J@G;22LFCVF[V2U./.2K,:'#GC#4AV9BLQTJB:2=,3>'2#
MN'CG9;S;S,=<B2\J/'BLMQF&`Y,VM?\`1P..F#I9O3+"?2`;H0BMQ4UVM"8P
MZHYF2KDZI`YR8\=]9>?QFN(;G3E]1V2IY:T-,<^U"9@<B08]Z7TK&]`EWP2<
MG&I+M#!4V!PNQ.X2"/BL[S?,B$\.]#.,5N&//5_+!;TB)P/U[DWBUIE?#\;#
M=#DVL$>#_P!?V.`!^>B0ZE0!>?9M`SY@='K]9;A'),;/-6SN=<RT;@SX56<U
M"UJ;*E.HXE+C[*.?3[%N)5,#DS2"?Z^JHU<35PM&EVR[R2`XB%'L6(<*G_KQ
M$NH[+38$=[I#I"(MX"&VF;&A_AQQ\9$.#&;4PMQ4M^31R\8-F]Z.H:"1ZZ&V
M"R!1H`U;3-0?A@($4]'1H%H&VV\!+C9!9$4;MH8Z0A.Q/N8>%$6ADE;'9:W$
MI?X'(E]/].Z_1L9%9/7[Y:&B%9M&>WBH7J3"#22H*W9K4J34@4UT2N+P25%3
MH-+2F=#=3SYH\Z0VVXRKXG6PY><D3TCT>B[!/+SM$TV42[;PXUJ]-B:-71RC
M5D!4V[40(3#2R,@[/K=92`O$CDT)QV5'G.M?7KK;<F<W+!2QZ$<B^BDV7;S=
MZ):")#FQ.N:5I>3P`]!KI`'7.WZY!;!+:O<:4R.>T1#HZM0VV([RHRA+ZE.1
MY+CC,1V.'(R&_P"O2HCJU4J@!TRXBJ\!O5>O9^#^$+YRWE:P+Q\<$?)I$?I(
MBI@=&0M-0/R&9<&#"+S&&HG.H@NPPY'NOT"`?"XVSI!)I4ZI%,P*]<IE6E,N
MY87[`CR1`F-);=9!WEH:%A-,V)K[G&W6W7?Q>_*E#0<BXJMZQ0\[I]UK^9WP
MU1[!:\M!9L/N@\'6Y9.M2Z^?U.Q0;O$'R8'ZPI9>D-4DJ7V8AUE:XC*E)4KK
MGWAG+\D1JGIN,K)G.YZ;Y-Z&IS-!=L%8&UL<.'7,[DY.[%<[/R9\N:8.C9\6
M;>'I!E?Y4E\[-BLR'G6UKE\E!R-HSZDBFI6%LKN+D@)A-M,7JO\`9%2`.75^
MRF#MA,S.0KVKZS:X!+,6#L`K#B1N*)P&N,K>0EQS[@Y>OZFHOGI'2-`L5HN!
M>]:#VQW2Q6LA9OF,_L*L3JELJ@BD2Z$JAD./U%H(Q7*H#3QY,7\QV6(:D..*
M6X]Q8<FC"L_HCFUG5>UR#YN`N]DRY"2\.&5QF2);+O\`L')>@"WUBW%(A-O>
MQ!17$+XI*NQF_NYWY9'R,#DR%G?Z_P#MQ,MFKKNEQ-.R#%WM!:!`KXH$&_E5
MY"7RNDR=?#1ISXP3'=#WKC+Z9;1.:]P5#XB6RG\M,H.7T+)W7TFSK=[=9+T;
M.'0%LL="1F3AX%&$)*P:1)K.G5H]7H9"5#>E('V%&E*EOHXKG43!<5:.IY\J
M7`4FECV*%5_6V-+E;6--W8>,HAT569CD:IU='+,6T`9'V+]E:9IVY$;@9@B9
M9#6Y$B2*=G$XY-2%MNJ:CR)<>4+R_P`RZ`GI2"$*N5@=N29NB7JU9?=3%IY1
MZY#$PSV7ZT2U>!&`UB.O[A5<,3IZ8LJ%R<XM:D*EJ>5+===4)R_R.W_!B/`'
M@#P"A:+@@6F;EN/L!*L)NT7;:8.;5=M)A$%(_/LYRT,29KN?TY$>.B0R&DVZ
MT'K!-<><<=DDC+GW=XTRPA`K?A+V1?7@@\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
MX`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`
M'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\
M`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#
MP!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`
M/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X
M`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'
M@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`
M>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P
M!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/
M`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`
M\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@
M#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>
M`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!X`\`>`/`'@#P!
2X`\`>`/`'@#P!X`\`>`/`/_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>31
<FILENAME>g655868caron.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868caron.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0SV4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!K````!@``````````````>P```&P````%`&,`80!R
M`&\`;@````$``````````````````````````0``````````````;````'L`
M````````````````````````````````````````````.$))3001```````!
M`0`X0DE-!!0```````0````".$))300,``````I<`````0```&(```!P```!
M*```@8````I``!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@`<`!B`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`Y9K41K4S0C,:DI8,1`Q2:Q4\[,L9+*9$&-P$DGOM_J_O)*;K:G'M]\#_
M`*I66],O+0XOJ$F`W>-T_P!3VKG:W91,V"PDF`)`/_2W+8I98ZD"I@;^])W'
M_KEWN24V+,$U`BTO;;K%;:W/GYL^B@G'?!,'V_2!!!'R<K_3;<ZFO:+G-;V`
M)@^,^UJEF8UM\;KG/+=6;CQ]P:DIR',07-5ML/VMV[7D:ZR"1]+^JY#>Q)33
M>U5WA7'MA5[6I*:L)*<?E224_P#_T.=K:CL;JH5M5FMJ2D.0\L;M;()$[AV'
MBHXE3'.;&FG)^D0FZ@8>Q@YC<X?]0C8`UGQA)3JT=/J<P`@!KNP`)<!IJ3[G
M*VSIM.V"(`T#6B!IX_FN4L4&"[]X1/A"T6,]H)U24TQB!K0`/-"MI&H'A^*U
M?3G6=4&^C]T2DIPK,&A[Y<V'$ZQIKXZ^U5NHX3ZP+3X['_$?1=_;:M6ZN`=8
M/('FBEC<SI5S'B7M9N!'.YH+F?\`4I*>1L:JMHT*T+&Z2J=HU24TX24X_*DD
MI__1Q:F\*W6S1`J"N-V5U.LL,,8)<?()*<C.(?F/UF($JW@1M`[JCF%@SKFL
M=N$@\$1/N_.^*%7?U$Y&S##3M@>\Z2?))3V>%.T"=9U6D'0T:&%QG[8ZSTY_
MZYCTED:['>\2-/;/YRV<3ZV])LQ=]F576YC2_P!-[H<3'T&_RDE.\"=AL?#&
M-^DYT``>;G*#;\>^LNHMKO9^]4]M@_SJW.7)9%^5EEF;E936^H19C.>PO:RM
MX_1_9J1+MWIN]]G\Y:@56].MM997U>V_)!BMP;Z)8XG8-N[\S?\`X-W\XDIZ
M3*:2U[FC4:A"IRQ2T-(.UQ`<?Y)_\Z63@=3^L/4J01CT8S/>PY;R7;RWVEU>
M*-KOI?V$;$Z8QN:VS)NLR;]?=:?:T'VG;37#&M24T\FH,LL8.&N+1\`=%0O:
MMKJ-08^=^\N)G0`C[OI+)O:DII1^5)2A))3_`/_2RZ0M!E#+Z7TO$LL:6N!\
MU0HY6KB=DE/,EY%;<?)8'6XC_3KM/TO2AWZM9^\QCF_H+/\`!?I*U'$HN.YK
M2]@#RYSFD;C63+',=_U:O_6'']//#@WVWUA\_P`IIV._Z*'BMW5!I=M:PRT]
MP?Y'YR2DAZ'T]F'=:ZVRP.E[`YWMKG5Y;^YN3_4O!QG-RS917<RXG2QH=-9]
MK6>[]YON4\C'#L=UV7=;DM8"65V.)9/YOZ/\[^TK?U0MQRR\ON;&Z+#(TGZ.
MY)3;HH=T^FNG);OIQ)&)DALV.J.K:GAK?Z1C_P`TS_35>FHNQL'+LCIF!M#C
MNMNMI])LG_";'>^ZUO\`)_SUH49-K[''$W6/:)<U[2*WM'YC'N]N]_YFU7L>
M^B^GU:B6^+3RTC1S7_RFI*:'V*K!QFLK&UE8@-\`J3"#EM<\@`<'SY6I?[ZW
M#PE9=4LOK=\9[]B$E(.HL_3O\`=%DY#5M90DEQ^7P63D]TE.?M_ZI)3T_P"D
MDDI__]/)I=PM7$?J%BTO6CC6Q&J2FQUKIF1G55WT%N[&#RYAD$@[7>S]YWL^
MBL*LAVP-X<X'Y'5=9BY`^*YW.Q/L/4=H_F'G?2?*?H_UF)*;74XKP6,[N.OD
M.R?I71\0O^T$?I``8'!_K-_.2ZLUM^$-KBWU=K3!CZ(5+I>!4UTWL>YPU#MQ
M_P"JW)*>N=DT!HWV,#N[-P!'\GE!9;7]K-U#P\6'9D-:9A_YEFGYWYMBJU=.
MQ+!(I&T"?=K_`)TJT^MM-E3JV0U@#70(T'T=$E),AQ$^:SZC^L"/S0XGX1M_
M[\K&;D`![IC1$Z)TR_.P<^]C1ZKV^EC%Q@;Q^F?K_P!M5N24YF98-5CY+^5,
M=3KR0YNK+6$MLJ=HYKAHX.']94\BQ)2+=^5)`]3\J22G_]3FZK(5RJZ%E,M[
M(U=QE)3O4941JCYK!G8AKT]5IW5'P<.W]OZ*P?MM5(FQX;X#D_<A7?69E#2*
MV%SNV[3\$E-AO4B_TZ+-/2)EI\>%T'3GX[F3(&D$>"X,9=N;9;?=I:72[;H!
M(]O_`%*NX^;G-(#'\<$I*?0674M;`=$>"IY_4Z,9NU[M7?1'<_)<Y5DYKQ+K
M2`==%H=.Z=E=1N]+$I.1>?I6.^BP?OVVN^@DI/CF_JV55AXK=SWF23P`-7/?
M_P`&SZ3EU'7^M8/U2Z)735^DRG-->%2>7/\`\+E7?\%6YWJ6?R_T2+1B]+^I
MW1[\_*?ZEC6@WVC1UCO\%BX[?S=]GT/^W+%Y1U?J^;UGJ-O4LT_IK8#*Q]&N
ML?S>/5_(9_TW_I$E-![K#;ZI<?4)DV=R3JXG^LK3,A[V[7&71H?%5YE#LNVD
M`=M?_(I*;&[\J2#]H=^$_-))3__5X8W,8#N=\AR@V9]A]M?M;X]U4))Y3)*9
MNN>9UU/)[J`U,E(B$DE.K]7,0YF;;2X$U.J)L(Y!G]&_^RY7LK"OZ3DL;E-E
MEH)IL;J'@?2]OTO:J7U;ZA;T[-LR6-#V"AXL:>"8+ZI_ZXQ6<:O)S\@Y><XV
M/NYM=^Z>-GYM;:_S&,^@DI[CZM?5>OJ.+5FY+G,Q'C=6T:.L'[W\BM=OB8V/
MB4MHQJVU5#1C&B)/G^]_:7$?4;KOV3J`^KUY'HWM=9B.)XO9_2*6_P`G(;^F
MK_X3_C%>_P`8/UF/2>F?8\6R.H9X+&D'6JKBZ[^2YW\W4DIY+Z__`%G'6>JM
MP,1^[I_3WD`@Z6W_`$+;_P"I5_,T_P#75R[G=AW0PT,:`!`$:>2=YU\$E+@\
M_D59[]SS\4;<16YTZA51RDI)N/X)**22G__9.$))300A``````!5`````0$`
M```/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B
M`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8`````
M``<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#
M`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`'L`;`,!$0`"$0$#$0'_
MW0`$``[_Q`"#```"`@("`P$````````````'"`8)!0H#!`$""P`!`0``````
M```````````````0``$#`P($`P0'!0<#!0````$"`P01!08A$@`Q$P=!%`A1
M(C(587&!D2,6%Z%",R0)P6)#-"4F&+%24]&"HAD*$0$`````````````````
M````_]H`#`,!``(1`Q$`/P"@NVPZ)"O:20#RU-=`:`&AIP$JAP^I04TTH:4Y
M\@-::4X"8PK85`530%-10:\J5/W<N`E$6U4`HFA!TT)YZ'EXT/LX#/L6HJ*0
M&]Q/(;>>M`!IKH.`(N.=J<QR>2U"L]C<4^\4H93<),&RM/NN5#;4>1>Y5OCO
MON'1*$**U&@`UX"<W/TV=R[,7!=+$N.B,^VS.4PW(G)AAP`]5V3#CNV_8":!
M(>WK57:"D*4`'N2X58;&XF-$S:R7BXI<<1)MD6VW]F3!#<=M\B2MRVN0PLEP
MI(2ZI(IN)"=0$.NN*3H3");C'5A/*#:9L?\`'AA\E1\LZ^@`,2]J-W1<"'=E
M%4VD$A`YUIJ#[H&AKIJ13[>=.`@=RMQ:J0DBAU%*Z$$5^D5X"#7.$E84=B2*
M4U&ONDZ@'Z#]W`"F[15(4Y5!3KH#4"FHY4\#P$!\J/F%=OCNW:<ZTY^S]O`?
M_]"C"#&JE`(T!IR]M-/#72G`3JV6XJV$IVIH`/;0I'T5X">V^W&J4A)--=!0
M4J*^(Y<!U,RR>W8-:D3)#1D39"^E`@-C?(DO4"E%ML:]-E!WN+-$-H%5$:5!
M$KSZDNX=SO18MMW;M4-3A86S:D/+:4V-Z%,.O,)<=G%2T:](QTJ.@4D`U!A^
MRN?7.[WMV+<,BS.Z*4EF(Y;+#:YEDC7-25MLK;O<Y#]WD(0W[[B6PY5)04J<
M6*@@V,++>Y-KO,:3BL:?;HJIK(=%I<#4.7#`94+>\NZW6TKN[\IA82ZXX%1R
MFH"4DU(6%XAW![FWK&&+4I6)0UNIB2&%G$,8;1&DL-NKDQY+-LG/1Y7FUK!6
ML27*].I04J6E0*#WFQG-V57++ISOGHD5A\W*VVB/"MUL:C(4\YTXMDA_RC4H
MNMHV*;Z9#E545J.`"$Z';9;LA-H<EO\`E0TJ5'EQ@Q,C-O(WLR5H0IUM4*5M
M5TW*BM-0DD`A`;K:TE*J(I\5!04/,@'76E.`%US@]-2Q0`$Z"A-#3ZM#P`FR
M.$$;EI`/*HV_6*U'M)X`8]`^=K0\J4H.=>5>?`?_T:4K1"+FW34T/T;:_=I7
M@"A;(`HD!.I`-#RT'/Z#7EP$Y6(UG@O3Y2VF6&&RM;KY"&VZ:`K6:`)"CKX^
M'.G``.;&.=7:6Y=UH2T6D1[5%BI_&3`4IAUURX-S%K,!J?'<\T\6U)V-)1K[
MS:`#,=L?2_B5TCQ7G,>"2YT&4PK2HVZ0IX-AMU<N[51-CMSDT0IE*DJHFI"$
M]0\`UF+>C6PQ9K,UNR2F"\5F%9[3?;PVPV$K;6B5-8GNR')740A22Y(=Z3R#
MN-!57`,!`],W3E6[YF(LE49,=+-J@L0D,PM4I)<9@I;84XE,<5*R%`D["4D5
M`M?I>S!%&(2!N4XH.(88`2O9O<ZS1;4/QTBA'BKF.=0%69X$Q*@3(DN(P_'E
ME5NG(+;:A+9=(-7*E8#K*%[0HU\/HX!34>G0V^[0Y5ENX0M:G(T,2F6&I$IM
MRJFK5(D(8?6I+BD)"6UT;D*VI0D*(3P`7[M=OG<8GQIS,!V'9[[%,V`V4K*(
MSZ-K-SMP6M;M50)R5HU4:)H#6G`*_?[;HM0\.9YZG0$TTK]G`!R^Q`IIT%))
MVJ%*#G[U#3QU/`!KRQ^8=.A^+;X4KN]M:?1[.`__TJ?[!!J$JH!R'AH/MT-2
M?MX`NV6VDE`*173D!S^@_7P'%W/2S;,1>N#S0?3"?86F,IL+3)?=6B/%9='_
M`(%RI"`Y0;BV#0@Z\`"<"3YFY,K<+NZ3-0JX.MK"7=CCKBGTH7L*@IU`4%4!
M]T`4-*$+<NRR6V+:T\P7%S%K#1=6DD-I6VRJYO)9``>=EE'N]102GIBM05`A
M8=BEGBR7FXK<-4II2(4I;DAQ;CLV2TT`)#Z@Y_,)4\I:Z+JK?11*B!P!?M^/
M1VR2&DJ>)(9;0TL-LJ"`E>Q"2D5`-!XC4Z:`![2\06^A;#L1M'\5\.)2XI?X
M:"*`E(VN*2Y45))6-"*5(`7+\9$,S&`VH--D+!4`XYO.GO-KW)<"%*"MVGQ:
M@Z'@%QGM2K#(C7/9K"6^T^AU"WXZDEQ#C;2DIHX_#D.GX"JBD;DG1.H3'OGV
MIM'<ST_WS*<;+7S"R"-E[,=U;B7%,0H<IZZ-E3[:P7$6Q2R"GI=513KJ0H*0
M;];M'`452:TT`'LI]YX`"9%#Z;RQ0T-:?33[.9_MX`,^53\_V453=NYZ[J5]
ME=M>`__3JOQ^%[K9I0T2-?"H2:C2E:C]O`&RP6M2^E[M:TIISYZ\]1P`I]2<
MY<2SXM:(Q6VB5/5*G)J*2&V4S4-ME(&[IH>0VHU.JDC32O`#/M!$<<O"0M-$
ML.1Y!0O:5+0IPT**&I]W45H/MX"V/L0^ZQ(AQ'`VX74J2XVLIZ:0[N*D*`W5
M*4*-2::>RO`6:]N%-K<1(9;+1;0I&U:P4I40\T`E*E*0$K0BH)!H*'0C4#+&
M=9;>,A;B4%-456[N5O*RH$@Z!1-*D:CEP&?8DI<&YJJJ5.X#:FBANT605$U^
MWZN`'F:66*_&<>=:C+<4VY'6XL)2_P`BX5-'W4$-*]XUJ0D5'L((]W`8<82^
M7W2W$?D)B):]UP/K4IE$):'M@6W(/X@2$FBBL)()`VA/NVMWM[/;^[8S<G&)
M<;)8$G'FV7%);!;E6RZ6]]I4C>%-Q2@-!0H0EW^Z`G@*2<XQV39KE=+7+9+<
MFUS9<"0@BNU^(\ZRZ.6HW-Z&FO`+-ET$`*70Z5KH.7CX5%*C@`CY4?.>K4[>
MCSII\=.=:_9P'__4K:QV)7I"G(@'3GH/HYD<`Q6)6DJ+9"37;IR&IT`^O@%)
M]4;LEG,<:MDC8&6[;U(K0`%2X9:W5+(]]02^@:?WOJX`7XIE]IQ*MRN<A$&,
MVI`=>5M40RD;]/H*4#3EX>/`6,]E^_?:E;=O=&?8=%D%<9N<B;?[9%=CK<#7
MX3[;TI*FEK6:*W:IVFM3P%L7:W.,1O0@M,7B')1.:;DHDVV=&DLEIP%0<;6T
MXIHH(;.TI*JZ>%20GO<;N)VN[/XYD6?=P<M^2XECPD.S)/37)D2G&G0&H-O@
MQ>M-NEQF+4A#,=A*WWW5!"4%12DA7QG?]4J)9#*^16C$.W]N:=MKEL1FMNR#
MN3EUTM\EEF1):N^'8UD';RV8]>4=="0U%OE]2`2I7OI+0#VP+^I;CV<R!#S_
M``VZXEC,XLQ8/<YNR7VV8:NX/[TMLY#;+NW+7B4>XN.-M1U"XW1HJ4.JZSH"
M$Y[T]V.T.,XE.EY;GN)8]&<A,7>`[*N\!F1)<4XY'2NW-%;CLR2IT'H=)+BE
MO!.T*4>`3'`^^>0]U\VB6?MKV_S6-BS=PDOCN#E32\3LCDN"TJ3">@V:X-MW
MJ4B1^*K>XRP@MGJIZFT)4&"[RP&I&69-<69K4I4V]2Y3[&R4W*BKG5F-ETR&
M6&Y;3R7"$/1RXRHI(W!0*>`33,(-42$[>6_GH:'30T]G`+[Y9/S&G_LKK7G2
MOU<!_]6OS&8J5*;%-:@@4Y_>>`:S#K<M+`<;:2MQ+14A)]W>I*24I4HCW:JT
MKX<!6]W4N6?]X;))R;REJ&0]F9UVB]S\23:T6?*[+C\B[1V[=G*'C=[I$N^(
M-2[BU#DK9Z:[6ZIM4A`:DAQ`*QD]A8RV^X]A=V9E(9?2U?IT-;DMA$J"B08<
M+^;B/QUMAR>2HZJ!2PL;05(6D)W<K1Z-L6Q^WVZ;A%\OEWN\F59V,FM$NYP<
M6@W>/%==\I-N-K:NDQUQ]\MLM[(+T/>\E3DE#:77$`+H??\`[W^DG-+4C`,>
MOD&VNNQK7!PW*7WRS_K3@5;&C*CH:";A5[IJ:JHM+V@J&Q:%!<?EN5^K7N3E
M'I0B>HW#.TF&]H>Y60S,3>NN+Y7(N;B>X]^QJ8_VVM=ZCW=Y<6WY%=<G9C,-
MR&G)<(MMNK26G"!P$_RWM!ZG<<.:O=BL6[1QL[QQMJ!C;&48[8LFON2N0IP,
MD0[U>[@S;+>I,-E;J:LI1O`!)()`+OW6Q[UFYYV_S?&>\O;[&D7#(\,O]MDV
MC'KC9H=T@7.[QG+9A<9]B$8MDO5Q%[?CK\S$,%#2MO19<>`209;TT^@SLSV7
ML%GO7R*1D^62,9M\.X9=F]SN-_?<G!0=DKLD*[NJM^-QT260L-Q&&'/=2'"O
M:#P!ZQK;:^Y%IM42.V]#4IS;&3%8>CM=.4A:?/,NR8C3D:0(Y0Z0O>&'"4A5
M`G@!WZEY3LN<FU.,1$N0ITQ_;'2W1I#ZEK82%M%25H#;Q`&Y7NH3KP%=>9P%
M(WU`&ZOAJ:_2/9P"X>0/S[IZTKOI0TI6GWUX#__60W$T_B-`*.I`Y?5[==:_
M?P#G]NHB7N@A140I(00=$Z^Z:T!%/MIP%?'JU[>7KM?WO&=V)VXVZ-GN.Y-"
M\W;Y3D;S#USQJX6;(;)*<1M+T>[Q)&UUI1HXB24ZBHX!8L0QI[/,B@75IYQM
MZQ6FXV=ZQ%<-J/<;!>78SLF/97)CC+$&?;WXP$5DN(C".MU#80HI/`6"]D[Q
MVMP"!Y7)<I[>PK=8TMR;=$S6_P!IQ3(K>];TK<:0NT7]MF\,R8R6AM<"$K04
MDD4U()CZH\F@=]^Z^'7&P17'\3M>26ZY-7]=NDVJW9'=+:7&K-"QYF8TB7=8
ML:8\)+LY22PLLMI96ZE:R@-BJR=KL0SWL#C^$9Q"9N&-Y!BL*+=HRI!2ZVI+
M#:F)\&7%4F;;[Q`DL!Z*^VIN0PZVE:"E20>`_6G!O4)B]NMMQ[,9+@.2PTA-
MNG97W`1=\CG7MAD.H:DW>U6]5K4UE*QT0].;FMLRW$J4J,EQ:E\!+L&]-N37
M')FNYG>[,FLCRF([)EP[/:+<;)A]C<E-JCF3:\?7(FONWEN(I37G)\N8^TVX
MXA@,I=6E09_O7'9A65+]N8%8K+O4UH7(Q*4K*E*.H0"#]-33@$VQ!UY/<6$[
M$BLS)$QRX--1WW0RRF/$@*EJ(4G=N2$Q5N4!W*&FAUX",]^(C-PR:Y366VTM
M2%((;2#1KIM)92BBJJ2H!L:'777V\`A.>6X)#WN_"%&G+D1_TX!8O*_[BW;=
M.GSH*?Q-M*_MY<!__]=#,1<!<;((!.TGES/,?3SX!WNV2TE<>O\`=5[!X'7Z
MOKX"&^O_``Y5W[%VG+X:DLRL(S#';K)?/)5JN4A5@EL:I/Q2[A&4>50@BNO`
M56]N(4:)=4J?`\F6ER=Z0K:I*''V0*^Z04J40*\O9P#N]OL6P[-)K<IBP0)C
M4->UI^4E4P)<25;G-DBK#1&T`<M23SU`*/ZF\QB8[W4LDB9C=TG6#$95OBH:
ML41J2^P(<E+EPEN,!U+A'0!2%)JJB"*:TX"^GM9ZA,4[H]K\;L79ZPHSZ]VU
MB-=&YRYJK%;8<5R(EZ5;[C/DH<0P\V^V!TD,NNH*Z%!!)`&2UQ.X>(PD]R;1
M%MUOS"*9#N4]MK/<7;M;\CQ*&E!=;M@>AP%S\JMJ7%.M(#8#R%E@`N%"@#)V
MO.[!G^(PKQCZFU,S8@4@,[`ENJ4;TFB@4AM+F@5K37PH0!/<1"+ABUP#Z1UT
MM2&5407%4"25$E'4(W+5304]WPUX!+++!EMYAC\F`REV8A-Q><25J:^"UR8Z
MUME(VK>C`[P"0DD:@@D<!CNX\=6^7)E!(>>=<64BA2E(3M2@4T&B>`0?N(\W
MNDD#_OI0#Q`^SPX!5/,I_,/3W?X=?B'/J4Y4W;J<!__0KLQ.>`6B/$CQKX#D
M/9P#H]M;P$&-[U2DMZ5/@0?I!Y`\`U^6]LK+W[[9WOMO>KI)L\6_,0ULW.(P
MU+=@3;?.C7*$^J$\XRW,9$F*E+K16V5MD@+0JB@%)W<;M?<.QW<7)NW%UF*N
MIL+O1@7@Q?)B[P+O:XUYM4YN,9,T1NML.]OJN]%Q*@5':3P#C>E"TPX&'7"_
MS0LL1FY!=90DU<D2%^789;6?PBZ[*?2A&X@%1'/@%K8_*]T[MY8>X+T.W):D
MJ<D-WLM1F=STDO-(0MU::,+95L2=24DJVJTX"W;LSD_8WMW8;5,Q+)\.M%D<
MMS4;('[==;?)2K?'WJ/E8;SLI^6&TT"`R5$)W#<3L(%I_P!4G9EZX>4M.<6N
MXRW0>FQ"CW=RZRE)6I,6+`AMVX2)4U944);90IS_`+*DE/`9?M7,MZ\AN[V%
MJ>3B>71YE[1;7V)$15CO[+_1NS`ANAB3%9F!Q$@-*;0MM[J@@`@`/3N`^ZAF
M0P$[]SA0XM*MK:/@6$"E'T%T@_$**&G`+!ALM4K+UR([A4SC]IO=QDZ4V1WW
M6+,VI12H)!+]V;&HJ3]G`#'NKDS9,C:M)H54%?H)H`/"IJ>`KZS^];NO5P45
MOKKX<SKX<`JOS;_<'6J:;ME-W[O4I7E2E=>`_]&JW$[LG\([J$!.@/V:?43P
M#58+D265LU=('NUU&E#X`^P<`^';7-VFO+I+XJ`"*%-!]M?[>?``/UZ]JSE^
M,V[N_C#*G;KC+4:)E#$5'4D2+$W*6J'<B@5Z@M!FOI=T*NDZE7PMD@(%Z6+_
M`&JZX7/Q>6`XB0&WBA"@%!R/,9FM@-J5\:'&04$$*)!TY\`BO<KLW$S+NY=<
ML1;&KTX+E*1/CON*=<$>'-<:0&V9R'8[D7I)]U*TA*0*B@KP%EW9+M[V]MUN
MM$;]-;5#F.Q8RG7'X$6.R)9%75.MVR)%C_A$)!!<_?!UTX![\.[76.VR(%[=
MLEMC/[_.(5'ZLAPK91U^@R[,6^MF.$[%=-O:`D4(UH0[EOD2L6SNZW3R?E+-
M>&7G6^FHA+<IIMI$@$*<4&^LAH+*2`.1I0F@!3O'G3,6U7.:AUQ*GWV5M-`$
MO/.%PMLLM[AU#U#[@4`FIY`<P#,>C/TNY1W3].'?S*#&@V[(.X,%O$^W%WO"
M9"8S$W$W';W.GAQI'5<LLO*'(45U;945KM;J--O`:\DCU&PLBO\`D>"9.TYC
M&?XG=;E8<EQ>YJ#4N+=K/*>@W-N+U"A4R,Q,CK2'`D$``D"HJ`9SG(4N)=#;
MH5U*@*!!%=:Z^!H.`6GYR/S#T]R]NRE=?BZGLIRV^-*<!__2I/QR]F.M%7-*
M`@UY4`*3SY<N`87',J2V&E!VFJ1H=.>OCP#*X;W!,930+YI[H!W<O9]6O`-Y
MBG<6+<H+UNG^6FQ)<=V._%E-HD1I#$AI;3T:0P]N;?9>0LH6A0*5))!%">`J
M\SG(9?I9[D7J+!,A&*WV--F8Q(=>6IOY=)*TB&MT4!DVIY8:<W"J@E*C0+'`
M$CT[9UCN2SXZKDN*'I:G'94Q[I@(+[O6?4E2J-MNBJ=U30G7F=0N)P].'Q(%
MO?5(@)7#2VM73Z:"XI"D/E::(.Y2"E'O"@.@KKP!8DY18_*E3-T!2ZEM24DH
M*'TA;CB(SFQ*E]%*I)5M(&Y0J0=IX!,N\GJ9P['7TV1ZYQC<E+:V1UD.O)0E
M#Z!O:!!;="7:;E>P'QX"`=D\6RWUC]Y\6[=X.P^Y!;D"9=KMT5KBV6T1UL-W
M3([E0)26+,Q('12M:`_.?8:2K>M((7R^OCU>=F_Z67I#M46$Q!E9Q,L4O!^P
M_;@R0)^1Y!&@H:F9'=@T`ZG'L:7.3/N\Q00E^2^VP%)?EM5#YK>=7[(LJS&Z
MYA=;A+5D-TN\V]3+R7UB;)N=QF/SY<IU\.*>+SLE]2@2JM"?#@"]BG<*[2(L
M>'?YHF+4E33<P)`<4>F"TF0E!2V=$D%02#J":G@.G\Q>^>5HKK=2FS:O?NW5
MIMKNK]G`?__3UZK/D*-J$*710`%30:CV"O('@"39\L<84VDK)&E#]O/V^'`&
M?'\Q<;*5K>V,)3N4I;@2$@#74Z<!*CZL^WF#EQ,S(V9\F,2AR';%":M#@Y-N
MJ9WLMN$_NJ4%^-.`1OU'^O&U=Z)EBP6RX_':M<&]H?=R>8HOSXSLII=O:A0T
MM;6A'GOOH3(%7$G8E8U0*!`L+[BY=@$Q;EEG]:.\4AR!(3U&C3=38/XK:J%0
MT((!(%*\`[N">K;O+(B"VH;8#,A2?+/=5YQQE54J0TEM2EI6H)%`%"E#J.9(
M,C9^\?=S(`AN?D3MKBK9Z2TPVT"0*A*5I;?4#TMVX:BIJ!0\N`/'93TN9AZC
M<UB8EVFPJ5EV:W-3,B]9-.\R[;+%"<<VOWG([W)#K4"(DJH-U5N'W&D+64H(
M;/N(X)Z<_P"CKZ1\Y[I=Q+PW-FVNU1[UG>3I89;OV<9.4KBXYAF)P'7:H1)N
MDTQ+;%W^ZI]R0^L`O.)#0']:WK,[I>N3OYEG?GNE.+;UR<3;L.Q.+*4[8<!P
MF"M\V'$+%%D50MF-UW'9#P2%S9[K\A8W.D`$TD/(=T4V".2*G8@)U62I"FEL
MFBOA(.E=?I#"WB^-VJ"A#80V9+Z(P6GI^Y'#GF)Q"CU/><9`:30)*5.C73@.
MW^H:_E_G>G[]/*>8H=VS_P`5:5ZE--WQ;O&O`?_4U>XMX4GWE+;:30$NNK2V
MTA-*5*U>RGA4^RO`86\]\[9CK98@$7B=2B%H<*(2*TJ2I%'GZ5IS0/KX`*9'
MWMRF^A3<^Y/>4*2$VZ(X8D/:>0>0QTE/J'M63K^T!#=\HNES'EU/+;B?"B.U
M[C="3[H"4B@-?NX#!2&U,,,-,J*'E+\PXX@T6A8J&B%"BDJ;U(.G[.`MZR+L
M=F_Z=XGWLMUFE2\:RG'+7?\`)&X,9;J\4N\R$Q(N@FM-)WM6E4U:U(?ITV@:
M+*014"[Z?K3:<J?M=L:F0C+5(2IX]5GJ(04`J44I4DCI[:JY4'V\!LU>D#^D
M)D?<55ISGO4_*PW`GQ&FP,;8:5#RG(8HZ:TF2IW:JQ0Y+5-5)\PINM$H)"@&
MRIVB[2]KNP&#1\8[;8A9L-L,8=0L6]E*'YTLMMM*GW*<\7)ETG/H;2%//K<<
M4``30#@-!;^O/_4D_P"87J5B]C>VE_-P["^G^Z76$U+M\UQ5JS[N@.I;<DRD
M]!_REQMV.QS\MM2U();0N:ZVHHEJ`"ABX3"U6BU!SI#HK6V5I)*BGII6@5!Z
M8)YC77ZPQ;4FJR0@`(2G\12W$*%:)3N2=R`:\_:.`%.975MVY%I/O!A#;38.
MU1+CQ\Q(45H2C<%H4VDZ<T<!@O.*\GT-QV[Z?$K^-3=79RYZU^SGP'__U=+*
M\YG=[EO0N6]M<)4L=0FI/AM2$H2D````<AP$-4\LFI4I2R22HU)//Q)T'`<6
MU;FIY`:FAU/AXCG3@/#83O)4*AL\M`-VNZGV"GT\!R`AUQ3BN24+5SKHD%0`
M]@X#9ESS^H1A7:[TP=C[1V=Q&TJ[I]R>VEF>D)O5O9N6/8'%CQ%XY/N5PLSB
MNE>L@DWBVR$1(;P,(>74]*2\T4QW@5STBV+*NW/='`.^-OCVB?=\9S6-DKXO
MEIA2;$_=(;HO0A3;<VAMI^RWM#+["VT*94Q1#D<M/)0XV'TA_2MZA.U?JB]/
M^`]^.U\SYAC^66QQ$FSOR&G;ABN46A]=LR;$+XTRXKH77'+W%=C.@T"PE+B`
M6UI)"EK^OU_4JG>E/L*OLAVVR'Y?WZ[\6V=9X<BW2EMS^WO;9>Z)DV5M+8(=
M@W:[(6;;;G!TUM*=>E-+ZD4`A\_.`51Y49YQUPN2G'V%/*HXD%U!=);;6$*H
MVAHG=SJ1[>`\SY*!*`"DN!"OA/5;V+VIHDI!*`:))HD5\>`Z\.4IT/NI5[J5
M!I9\RZG8A=*J_$"AMZ:%$CVZ_4`&N,Q4RXOR34EQ]QX4)("%N*6V`2:DH1M'
MV<!S;ST]M4[*5\/9M^+=SKX;:>%>`__6T@#S'Q<_MY_?S_;P'$:5\.9KNK2F
MGV?=K3@.W_@GE^]\-:\M:UTW?V<!T1_"\>::[:5Y'G7]E.`[$6GXWP_Y=?QU
MIX5K3PIS_P#6G`6.QNA^HG;OK_(.A^GTFOS7YC^5NE^:\OKT_EO^H^1Y<OQN
MKR\>`L>PC?\`IQD?1^6]#H8KO^3=#H;_`)G#V]3SW^H_,^I7^'[E:[O<V\!L
M5_\`YJ?F'_'3U4U_4KY3_P`IK]Y3YI^6/TI^8?DW&?F/Z=;/]Z?F/R_E?S)Y
M[_2]_P`O\C^-\QX#6L_KK?,?_LC[M?-?U8ZOD,8Z/ZN?E;J>2\O,\K^1_P`E
M_P`G^G70_P`AU_Y_S77\Q^-P%0TNO6A?#_FM?AW_`.6<KY7QK[=O[M>`Q=VK
M213S%>HG^)MZ=>H>=?=ZM/A\*5\>`X8>_P"47"G6KY27_!Z'3_A.T\Q7W.MN
JIMK]-?=KP`$37S"*U^/]RE?A\-NGU<!E--O^!\/]_J4Z?W;/_E3@/__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>32
<FILENAME>g655868caron1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868caron1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0JL4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````:@```%`````&`&,`80!R
M`&\`;@`Q`````0`````````````````````````!``````````````!0````
M:@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"!`````!````4````&H`
M``#P``!C8```!_0`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!J`%`#`2(``A$!`Q$!_]T`!``%_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#FFM16L3L8BP&MW'@)*8AB(RDN,2T'S/\`#Z2RLJW,N=MJ#MO@%+&J
MR&N;O9([EQ,?A]))3M?LYQ^C8QY'9K@2HV8+QJQMA'<EA`']I0]').TM<63$
M`;HT_DL-:U*V7&L,L>[0::G0^6YSDE.-92YO/=`>Q:&7C&IXM^D'&';I\-%6
M+"6[@('<>"2FFYJ!8U7+&*O8W1)3_]#&K:@Y3M=A'M!^\JY6R50RG@Y+HX;[
M4E-W!I;8Z2)/@MJK"K=KR>)_@LKIWMA=#C-$-'("2F+,&L$0V".3W4W8X`F%
M<:T3'92V-24XM]#8U$CN"@LP:WAP8(G1P\BM3)I`GP5.MQKR&N'!Y"2GGLFA
MU5CJW<L)"I6-A=']8:6C*;8V/TC=8\086#<U)3__T:5;($K&)#K7.\2MN^[[
M-CF[9O`(W#P'<K$O9958\O&UAE['-,M+#P]KOW4E.M@O:Z!.HY708C@0#*X2
MBBG6[(R+*YEP#"9T\&M4QU;)Z?%V-;;?CDR!89T\G`NVI*?127-DEP#1J2>`
M%3LZ[T^KASK1W>T`-_SK75[_`/K:P7]4SNI8F*RW%-./EO#'6EX(.X?HFN;H
M[]([VJ.1@WUESV=/;E%K@UP>XDQPY[:@6M_Z22GH&=1Q,UI^SV!Q;HX<$?V2
MJ.9=7C'U;'AC?%Q\%BV8^??;0VJL]/>'^Y]4&&P=[/Y7NV_F+2'2:*F"RTNR
M+AS9<=SO_(,_L)*6R,C[9B-L:-P#B6N@C0CS63<WE;Y%9PPYS`8F)[?!8U[4
ME/\`_])FT"^A]3N'M(^]<U8+*IQK)BLN9$\2?=M758AX6%UJD,ZG8&_GAKH\
MX24PQ*J:"QUC@8`!<1((\X^BGZQ?3DXPIQV_HAHYX:6M`/.W<&[O[*)BN:7-
MJ@&>Y3]9;8&UU5@$\[?$I*=SIN+3;TBNFX36]L.']RL5T9X:#B75N;P]UC2Y
MWQ=[F[7JET;+RLC#;C"KT'-&KWB1(_<X6GZ=U(%S#NN9]/L'M_<C][]Q)2^-
MT]M$V6O-MSOI./Y&C\UJIY^CR.Q6D;VWU-L9P1*H9L.<"DI`=<("`-=/E(65
MD,6J&D8[9,C4A9N41JDI_]..)9PC=3PJLK#?8U@.16V6/[PT[MJS*+XA:F-E
M<"4E.)TQH?E-![:?<I]7O-.6RPM+Y_-`XCA$S:1A9K;Z]*;3.G8]VI9!JS,@
M#0M``24WNG]0R+*6[,4^WCW"#\85UF1U"U\>DUG.LD_]&$#"PG,:V#IX%:08
MUC8`CLDI'CD>G83H9DM\#^=_TE2S+0$>VQE1(:Z-VI4.DX3NJ=2:TB:*CNL/
M:`?H_P!OZ"2D.9NQFMIL&UX8UQ']8;EC9-DRM;_&5DT8V7B>@X#,#2;0#RR?
MT;;&_P"=L7*,ZD+VPX;7]PDI_]3`KO5RG)CNN=?U%E>C?<[\%6NZG>\1N('[
MHT"2GK,_J.%]D>S(L`TTC4@_FK$Q>H/IL#]2TZK#=8^PRXR!V6E@T6W8/K,:
M7"IQ:_X?2#O^DDIZC&^LK=FTS,>"L_MVRQNUC29')7/8%0L(`YG1==T;ZIY6
M;%MLT8YUW?G.'\AJ2G-Q\/J'4,MM-3C9;9V&C6C]YQ_-:NKS\S!^IO1`!%N;
M;I6WN^R/I._X"K_7WK9IQ>F=!P++6@555-+[K7:N(:)+GN7CW7^N7=<ZG;FV
M$BN2VBL_FUCZ(_K?G/\`Y:2FGFY5^;D6964\V7W.+GO/<E`;#9DZ)BZ2H7.A
ML>*2G__5\TE)()'E)2O)=-T'JV+T_H]SG5[\@6[:V]G;A[=W\ANU<SW6A3_0
MZ_\`C/\`R?*2G6Z:+W9S<YS&;MXL-<16=9]/:/S5[!TKJ.+U'I].;C&66#Z/
M=KA[;*W?RJWC:O*,7^CMXX^2[#_%S_R1G_SO]+?S]'Z%?\S_`-_24X_^,CZR
MF^W]BXS_`-'60[*<.[AJRG^Q]/\`KKA@8!'@C]0_Y1ROI_SK_P"=_G/I._G?
M^$_?5;Q24J=0$'(=[@$0?2[H-_\`.%)3_]DX0DE-!"$``````%4````!`0``
M``\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````
M!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#
M`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`:@!0`P$1``(1`0,1`?_=
M``0`"O_$`((```,``P$!`0$```````````<("04&"@0#`@L!`0``````````
M```````````0``("`0,"!`,$!0D&!P````$"`P0%$08'(1(`,1,(02(446$R
M,W$C%3<)D:%"<C1D-38X@<%28E4*T8)C<T069A$!````````````````````
M`/_:``P#`0`"$0,1`#\`B1CJ#R%=002?O\B`.OZ/L\!O%+$L>TG77IKU8=2`
M-?L^[P&TU<2_316Z$!1Y@'4`#XZ_H'@-QP^TI<G:2FN1PM*5RX87<O5BD00@
MF4O1ADGR3=NG]&!B/`%U/;WDIXW_`&;O'8VX;4,<$\E';>Y<7E+7HRLRRF.&
M2U2FEEKE?F1$+>?0:'P&$SO"6;IJ)<1A>0<A4B,@R&2N<>Y+'8:FT0KF419/
MZVQ!=CA:5NYT`7Y?ZW:`:W!M.YB71+2J5F'=$Z.#KHJ%DEA;MLU)5#@F.9(W
M((8`J0Q`:Y3$-HY`)T)(^&GVZ?;IU_3X`=9.DX[D(;4D@%@3T_$//X^`%&X*
M3QDD=!VDG0D:Z%CKH/,:?S>`_]"1>)Q0^7Y=6TU\B.NO7].G@-Y2K!CJ4U^X
M4CAK0R32NPZ*D2&1FT\R0H^'4^0Z]/`(_P`I;DY<WID7H;3HYZ+&Z$_1XD20
M_3HLDOHM=NP!76](H^9%;TXF`4L\BZ^`R?&NU]_4<E@Y,YMJ:_3:5$GMYC-Y
MA<;9G+]CU[%;'U8\=DW6-5UB$,D<BG]<)6)8A04;.Y+G;%3XO-9;!K+]"M7&
MUWW/6JI'3F956OA=OY;:=^G1=8]&>5Y)ID/87'3P#UX#$;SM[<K8?<6Z-TLE
M"JAH1OD=QM!C[E>#Z?OHP9C.Y6Q'4F1GU6:6RRQMHKHBH`"A<K<<R[.RL&[O
M3ES5?)W)*>9BR\>3+(_T%MJ-B6Q7M&Q7CEL&+M],K%H=0#W'N`*3XB6[C6RD
M522&)7$=JL^CSXZ74HJV>U0#%)*"(Y?PR#3R)[0`JSV)T!(30#4]!Y>9\NI&
MNH^SP`=W!2]2*70'7YOCIIT8G4@`'IX#_]&9^#QG>4)73S'V?R_$]1X`=\GY
M`M8BPLM<R8^"W5[X8[$L,UVU"8[G8SUY8WCHU5"R2@$F=^R)@%+'P!VX-VGC
M=P9!);M*&W+*YB]%Z\0KM8C0>@'2...&[,#HGK.&[Y0S/W*`JA3[:?"VW;Z?
M6>G9MV`GTHM2%1'$U9(H9<?5@,M2K+(>Q8E"B$*`"7/55`]8KA';=:Q`U7&&
M&U`%>WD9C5FN$:QA^XPUXJR*%7L*`N&':2`VKL&9R7'L$,)E^E9HV+EHHQ&>
MXJ4575/E<$AF`T!'4@ZGR!=][;*HR1`7*\-B&2,PVJ]N*.Q'*!,-%*%6$A@,
M1`Z!P5\^G4!AB>#<!GXLU3P]&"H+3SX_)PHSO-+0NUWB%B6.561K6/R*0V('
M3L5F1$(5NTL$V>2=D7=G[CSNU\BFEO"9&WCYF[6C$AKR.%E5''<J3QZ.NOP8
M>`63<=`PO(.P]K=WEH->IT;^3_9X#__21O;V':4JB1_/(>Q-`1JS]%Z_:6(\
M`HO)^5CN\CY1*Q/HXF:'$1R="&,<8L6)UC[G4/Z]IDU5M"(QI]I!W?;NOT$F
M.'?+&DHLN$T'8B22F,%BX(&B3NP!)'=KI\?`6*XSQD;U\3!ZIEK0R*\>C%2B
M2]C/^J)4!OU?0C3R&F@U'@&CI8^O'(D,8/TWD0"@?TU^'19-0W<3U/EY^`RL
MF#QACE[8A&'C?Y5"CYB=0W<%#,S'STZL"?MU\`M/(FSHX!:,C*\#2M,X0,LZ
MH4]19F<OTF25=%[3TT!&FNG@%QP&3L;:W[B\C2,WTLPDAR-9HH_3L-.A+!AZ
M,AE@DL1IV]O_``CIT[?`+Q_$)VCC:_*&*W)C8J@7=&UXI\E)5C]$V<OC,C?Q
M]BQ-"JHD;/26LH[0`0G4D@GP$G]X8WY)&`.JZDZ`_#7X?'S\!__36G`XL15!
M8>(L(VCD94Z$K'\Y4'0Z%M-/CX"9]NU!E-SYJ^X8)<S%DJLA5Y%C$H"%I-.Q
M91$`/+0??X"@'!N:QEZ2"K]3$)JJ1O.J/&TQ1.XGN4#523&67R\OT^`L/Q+D
MJLL5*=;$4,K00Q+ZW0%TU:(=VGX0-1W=#U)\`S-F>]CFLS7,GC,?CZU=;=R]
M/9KUJE2JL*67GDG=DCCB2*34LS*H\^@&O@%TW![YN`-K=JTLIN#>E1I?1GW!
MMVI@<9MV+]6\RVJF7Y!W'LVEN+&2Q@-%8Q)R$,RL"C,-2`^.']Q7%'/&-MMQ
MUO"KF)L<T=3*8UXI*67QC3*'3ZC&WXX99*TY&BV8?5J2NA,;NNC$%>YCWCMW
MBVPN[MP;IP^V\.L%6>*WE[T5:..Q5F`$"1-I);DG,?6*/Y]$7M#'74`IR)OY
MN<.*L+NC'PG*TH=P6[6(R:4+E(SXBY0LR6Q6@OUZEEZ=2S2!+,H^5T*J`22$
M]]XXT=LR]OXE/7J>NI'X=?+P'__47??&[CQ9QY/O-L!/GJ5&]C5RU>`S!Z>)
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MFDS^)F79.'R6#@_9V5QM?=^9CAI"G8/H6%G0R3*`\3!B>0N$=Z[;FR6:P?M$
MP?.=["[AQF$RV.W9N?.7<I^SH2:.4SV(V!C\EAL%?^E6%%43W27+)JZ*&,8"
M7<>PN=]_;KXGQ6S]E9+VE[AAWS%!F]R\<Q86Y6PNT9]N9:UN;;\$U6I6MY1C
MEEHU:Z6J`J);G1D:6(NS`ZE?VG;$VAB*FXMW6=Q<L;XI&Q//O3EG+ONC.RO+
M<FM12P4IHX\#MMX1)VJN.IU(U55&AT^8##;K8"[P_C\I?VO0N"O8OQUC8A:N
ME*P*=ETDHU!%!'6LQW5DFBGA9U8NB'0H5\!,W>V-(25@G1>X#7STU/4]HTZC
MP'__U?#0V33WULG<&UKQ/H9S"WL;(_:&,2W*LE?UD4]&>'O[U&OX@/`1`SU?
M<6TGL\9;B-R2MM/+;QVBU![QGBQL>2O1VL[%BS*)(XJ&0EL.[Q`/7F?N8J0S
M:@P?$FV-H\?R8#*;FS=.['4QE+%6<QD,7+FJ&1PU=.YWR4%*A:FP64C5V%D2
M0>C+9D;T7E5@0'J]XF^=G<G<<8_8_'&$A&S*??B<KN>IMZ]MS;.+QUPK%D*N
M'MYC&XB?.9'(0S,M9:4)J0NQDF<,BQRA8/VW<8;0W=[0]E[,WMCH+^W,YA(<
M?E<?ZL]<K'&D-BI-0M5'AO8W)XZ01SU+%66*>K/&DL3HZHP`SX'8G/%.A7L<
M-<B\?Y3'B)J&X,QR%MG)[FW1,P9/3OY>M5SF$_96X9JS^I:G,D5>[,1*M:(L
M>X"CQQ[?L?QZ]O<^[MQ9'>F^<TO;DLID*\%>&'5_7?'8C'4X:]##X=)>YUBB
MC,LK!6LS6)5]0@N'.H]'+7ZT:JE6VK-$8W_+'U<:VD^8%55>TD$G[M=.O@-0
MN.;?#%&I)6J5V>T[4WC>22:2&C+D*$L5@$A()6E'<$"DZ+W=QUT`(!O_`!*Q
MK+\@34OJ.W30@GI\>G@/_];<N)ID=85Z'N[`W34GY5!UZ^6I^_P$H_>=M&IA
M?<OO"&B0B[BH;>W&E:-&6&OD9L$E2S%\RHKS7YZGKL4+`FP-3J"`&7XQR=&Q
M=PFUGQM6:6W#7GDL6*L<VL>D.JZS(QC+%]-=-1U'7P&1]XV/S];&;5VKMNE1
MGML!EAC+'=!#<M>A)5B67Z>-VCAAA[F0]I&H&GV@*)>S?EGE+D7AS!<8UM@I
MQODL-C:LF1W!N:BF8Q_[2P<#5'EV[5CMT+E^K9],*`S0LG0LA(T\`[1P&[=E
MUH=Z8#(6,MO_``<<L^XHXJL-#%;YV_ZOJ3[=CQ\,[)!FJ4'S4&[")9@T,G:)
M08P+\F^:._=JXW=&)E1(+-:O;CT`+AV10T3KJ70IU4AEUU\QX!1N:?I+V4I2
MH5;]3,LL0)*GO0^>JKW1O*A.HU!(T\`+8<9+7V'B?J+B35"+EF"%5["C?5W4
M[9&5F$C*[L`WF1I]@`!(.5+42/.BZ:#N(ZCKU/P)'D?`?__7PW$^XTC>KK*>
MO8&!)Z^0U.IUU&OV^`)_N5X;VMRWQ!N+<N-V]CY^3MK8),CMS/0U7?,RTL#<
MBSMG`H\#+);BR%:">*&-@Y6:;Y-"3J$PO;3CX,ORGC*MDQD4DGQTJ.-='J3K
M&=$.I[G[NNO0_P"WP&P^[7>L^R.6=J[BNX'(YY9I)8?V/2J0#Z.O0L25:#O;
MFL1Q%+$:N25[B&/?H0=0#M\!^X#D+<&T\))A>!\R9<83+CS_`/8,/9Q^0]=2
M6^N?'QV+%>`*8^Z,]I+@#52-2#-83D/W!;IS"5AL;:FW$>.XZ6I\YF;B5FA$
MLS@8Q\=4,JRS*(^_U42/O.C.?D8"UQ[+!+M[=5N510EDRLENYBH9)%KT<R:Z
M09QH@2NB6\Q'/.=5&K3,Q`!(\`L/+^YJU5T7U@\KR02HK`*L<925D`[=45E(
MZ=`"-?CX#"\N_M/C*EAMC;CADQ6>K;2VSE[="=BDT#[@PE;,21G4MW/7LW9(
M9-#TFB=?-3X"9_)6XQ-)9)DU![_-ST75B>NOEX#_T%(V)O7Z22`^MY%2="?,
M$>74>`?/CCE*-4@BDL'0A5)[QTU(\AW`#0_'X>`17FG:57@KFG&;^VVJU]C[
MYR'U:I718X,#FGF23(8I0H5(ZLJGZBLNNGIEHP"(R2'QY`L;9YNY"@@CFIWL
M?6I8FM(TA0GZ@QV9S-7>$DK,GKG0@G0+H=/,@]_#?"U[#8S#+7R,KU(Y1&:]
MIIK`6-I4=RYL`RG1F^#$Z:@L--`#KU<13P6.2O5KM5<1?3M+%&D:NJ']8Q>-
MG$7?V_J]#H2P!(\`"MT9[";1GR,.,R:P)EI3;MIZ_P`WJHTWU$VI4?+((E)!
M!\O+X`-;]J'#5SW;^Y'&T)X#<X[V5:KYC>,[_-1L87&WXFM8UF$D9:7<UY1C
MT"L)%@^IF0=L1/@`=_W)G(NR>+N6/;^G'F7K5.=*>UL]9W[!0N59X;6PK.3I
MMM+&[PQD<YF6[9R$=^;'%T21())G4]KH0'/W@_<;7Y`H"MD*\F+S@14GKLS/
M!*^BH9*LW:$D1Y'Z(=''V$=?`?_1D+MW?84II,>Y>A!;^7R/GT\`R&S>2Y(/
M2D$_8NJ]W<P7ITZZDC0$^`]_/?N%X8DXJW#@N2=X8RHIHR24_IY5O97'Y>LD
MK8RU3I5G:RUF&VO;V_*)59XV(#GP$N>+>?\`*[,SM'.N+M[$6)(+Z2K(C6HP
MWIRQR%9&[9AV:`!CKI]X!\!6GCK^)3BUQ"XR5<G)<CK0Q1F*@4%DK&G>O0O#
M$P)^8ZJ-0#U\_`')??+G=T4I*.!P=Z=YZHB%F_)]-69Y$5>Z4Q%IY2NO7L5F
M)Z_'P&A\><0>X'W'<J8S96T,IEMX;PW38+''8J"2I@MM8EYDCMY7-746>/%8
M2@+`]:S,=?F"@.[HCAT"<]\R<(_P//91!%!+C-Z^X7?->:AL_!2EC<W_`,DK
MBT2QG<K725+^-XQV,DB/.0R:0F.`.;MWOD#@2YEY2WKSQR'O+E?E;<5W>/(/
M(.X,CN3<N>O%2]W)Y&8LQ@@@1(\?C*D0$->K#%%7IUT2&%$BC5``II/!C4FE
MELO%75&FF?M16C@A4O))JI[B5B34:+Y^`__2Y@,K[AL-MT^ABQ^U\DFNH0M'
M4B;0ZAI6'?*.X]>T`'X$^`#&[/<KO?-Q21/FK4-<JZKC,;)+0H%&'1+'H2+8
MN)\&$CLK#S'7P"]Y//97<,SW<G:EFAJ]TT4!),"S>40],DAV/R@DZDJ--=!I
MX!U^#-B;FWIP?+O+"8B[DJNQ<[E,#NGT$DLSPT9#'GJ6=D1.Z1J$465:M,P#
M"%:RLVBZGP#=<"[4K[FL4:T"PM=DNPK#$I711W:'Y>TZ@DG4:'[?AKX#HL]G
M7\*+E+G%\;NG>+V^-^+)O1LQ9J:%&SNXZ3)&YDVYC)NW2K97JEN9?0/XD$@\
M!TJ;-XR]L_\`#UX%WCNS%TL9L?:&S=K9+=_(>_\`-:7MQ9/&[=Q]C(7\MGLJ
M(3?R4\4*2&"I`@022>E6A!<(0_F\^_SWO[T]_7N6W_SMN>?(5]JM?N;;XHVI
M=LRM7V7QKB[-D8+&I#%8DABRN0#M?R<B'LER-F9E[4$:J")VLAZLS:NDFH50
M04F+=P[NWLD/R=@^7M&FFI.GGX#5-W9-*F+2!&,2V'$3-JRE8H"T\H"^HX^:
M150@`=&)\!__T^(!YY"6ZL2VNNOF?/4Z^>NO@/BZ%`&;S/D/CJ?TZC[SX#]$
MA46%?B0S?>Q(TU'GK_X^`N7["_=EQE[<?9_R%?R6RGW%R=2Y.FPNU,:9C6H[
MGGW1MV*WC+.:LKJU;`8.7!W!:,0,[^FD,90S>K&'G]M];>^0YMQ7/5_;^SUR
M<>]L?ON;:#X*#%\=YR.#*0WVVF^'H/3A."O1P-7DA$KO916]5Y)9&=@_I"^U
MKW"<8>YOV^\<\[\6S_68'=^(82X6:97N[/W3A;4^%W9LK-Q*D(CR^T=R4+-&
M<>FJ2-")8P8W0D.0O_N0/XDUSD'=:^Q+BO<HEVUM.]CLYSWD\39+PY?=M61;
MNW^.&>`&&>EM=O2R%V,DJ^1,",%>H1X#E1JS+#5M1=Y5:TK*"R=_6:&*3M9X
MM#W%G`^&A.@&@T\!A_K&,D$*LVLDNC?K9M&8?A+:H=%!/]+4:>>O@!SR!D&D
MR,%4-^77!E!8,1)-+(_:Q"KJ1#'$3KJ=3]G@/__4X?8_Q_#X>?E_Y?O^S[O`
M?NU^:GGYO_4_$/Y_M^[3P'G7\X_^ZGXOZ_Q\`XVS_P!T6T?R?WCQ>?Y?]JWG
M_B/_`#?9_P"GIX"N?%W^0<9_8/[-6_#_`(5^7:_+_P!W]X[?`=(7_;I_Z1/=
MA^\S_5GR3_B'^7?W=<>?N]_O_P#U'^_=O@.(CGW_`%$\Z?YT_>QR-^\_]X_^
M=<U_GC_]?_U+^\>IX`)-^"[Y^<'YGYGY8\_[Q]O@,1!_B'_ROR1^1Y_@_H_\
=_P!O@!AO7_'KWYWX*OYWX_['5_G_`.+[]?`?_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>33
<FILENAME>g655868cassaday.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868cassaday.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0S`4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````>P```&P````(`&,`80!S
M`',`80!D`&$`>0````$``````````````````````````0``````````````
M;````'L`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````H?`````0```&(`
M``!P```!*```@8````H#`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`<`!B`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`Y5K45K4S0C,:DI9K$0,4FL6?U+.(BB@%SWF`!RX_^1:DIN%]
M8<6@@O'+6ZD?UOW?[2MXM./=#2\"WDM<8$?'1O\`TUG8>'>&"2&%WN+&C25I
MXPS*V!@M)`F&DR->VQVYG^:DI?(Q:*VEX)@<[#Z@'\IVW\U5-@+`]I#F.X<T
MR"M?'<X&+""T<"=-43)Z-3D#[7@;*\F`75.TKMC\RS;]!W_"I*<!S$)S5>>Q
MKB_8US#6=ME;Q[F']UW_`)-`>Q)32>U`>%<>V%6M;"2FO"2E'Y4DE/\`_]#G
M:VH[&J%;59K:DI#ELL&,2PQO=MF=8^D^/[*I=*Q`][LMXU)+*A^ZP>']=;N9
M50,#'+A%GZ1X/B&D2W_.]#;_`-MJIA,8*VAI@`<)*;--/E/FK3,>?S?DGIAH
M;QKV[_,JPR]O$M(\09'WA)2)F,U@T;J5-A<PZ&$9UK=OMVGN3K*$]\_2C\L?
M-)31ZO7OVY]0B^F&V#L^LZ/KLCZ7M^BJ>32&/(;JP^YA\6GZ*U'U[VO;^\""
MJCJ_4Z?3=&K"6.^'_F+DE.58U5;6Z%:%K53M;!24TX24X_*DDI__T<6IJN55
MRJ]0X5_'9)"2FMU9M@I9M=[7L-6WP=+7[G?\9^C_`.VT'`?-4Z;3Q\D7+!=D
M9U%EGIM<*!6]QC:1N=[/Z[2H5T"D&D&`S1O@DIM#,QZMK;K`-!IKWUW'3VK0
MQ\KI]K6BJZM\\[3,K+JP\EI(H].K?)=D7M]0DG@,8'>SV_GN2L9?0YI#JKGQ
M-C]@!+M/>UU==/\`TFI*>A+,:MA)!(!U*S<[JE<BO#QKLAP,.+&>T>,N*A]M
ML?40/FJ(Q[\FYGJY9QV!WT@;`W9I#0VAU3]R2F]CW/>XUV5&FWLT]]4+&:XX
MN34=!67./]I[#_U7M1&4VTO=ML=<P.EKG<M'[C)][JV_RO>B9K!56]M<`W.%
M@'BUOIOL_P"DDIR;F*C>U:N17!*S[VI*:&W\J2G"22G_TLND+3QF\+-HY"U<
M7LDIH]=Q;'Y%+JP-S@U[9X)J+M];O[+FJ;'MNQ69):6V%SMS#SR=7K8OZ>W.
MI:W=L>PDM<02-?I-,%JHY?3'=/+Z18;06-(>1&KSK[4E+8U1MKW1,H>7%;A4
M9+W>[TF\_P!:PH]5EF/3`:7<!H\R=J8U,<XS[K3J7#0Z_NN24CQ\>US7,V%F
MWZ6Z`F-?IV-KL!K+M`>QGZ/^<CTX9K=L8YS=PXDG\J3*Q7OQW,+F.^G$GGOW
MVI*9C&=4V8`GNFS<,.R,6X'W>CZ+@?W0]]CX_E?14Z'6D.8_W&EP:'=G`PYC
M_P#-<KMU;'5UV$>YK2&^0=JDIQ,JODK+R&K;RQRL?)C5)3G[?^J24]/Q224_
M_]/*I<M3$>)"Q:7\+1QK8[I*>CQ'\*O]8='4OC2QFSYL=ZG_`)!"QLD"-=4/
MJ^<W)9;B4@/=@AEV18-?3=8XT54F/HN=ML];_K"2DK"QU;"8+7#GP/8K/.&_
M&RQETDV.D;ZK27U$`[_:SV^D[^JI8MVZAU<^X:M4ZKQMW$2YL@CX)*;5>=LJ
MV.Z;CNL`+:[&W.(!<P5;G;_=_+5++Q[<S(;9E14RJ?3JQRYE8/\`+>V'W_VU
M8KO>2'AK=/%3=>;O;$$=AQ"2D]#6MI`G<\ZD^,`-:C9#PU@;X"%6K;%D3H.?
MDAY>1,ZI*:>98-5CY+^5;R;I)67D6<I*1;ORI('J?E224__4YFO(K!`+QKQJ
MBOZK10UQDO+?S6^/FY8;KWOU)X[#A0=8YY`)D#D_]2U)3>S.NY]IACSCL`T9
M6XMG_C+6[;'?U/H+IO\`%A13F'K&-D_I*[:J&O:#J0YV07.;_+:]V_=^^N)<
M"9(:''N1_O77_P"*VWT_K';2?:,C&>T#Q<US+&_]%MB2G1ZATO*Z3F^A=+VN
MUHN'%C/WO^,;_A6*-8>VW<!SR/XA>D9?3L7.QG8N76+*CK'!:[_25N_,>U<C
MU'ZO973"7"<G"[7`>YO_`![&_P#GUOL24Y]=VUL%I\-%-KW27`;25)M+#J':
M<B/!,YS0"&F(DN<=(`Y<2DI9UA:W223X+.RKC.NGQ5SZW5-P_J?@Y-S(&5U!
MA<"(<*G49/I?ROS6W+B3=?0[;78X,F9W$@_N[I24Z]]O*S[[.4+[=<X>^'>)
MC:4*RW=V/Y4E+;DD'?\`%))3_]7SMQVB7:]S^13K!#?Y1U(/_4J&AOVN.W8`
M6@<$C_R/TD4SRX2?$?Z^Y)2Q#>"(/^OBM[ZCE]?UAH=29L:USFLX)#??;MEV
MWV4"VQ8,P-':#L>WR*U_JC>VCZT=,>\0/6](GM%K74./^;8DI]UIL%C`\&0X
M2(1="JN*`QH8-&\M'@/W5:24Y'4/JUB9(+\:,:TF2`/T;OC6/H._E5K(POJU
M5=EM9GY--K*R7/Q*7%V]S#I7=8X,_1L^G92UO]?]&M?ZR]3LZ?T\NQP3;8YC
M'N9J:J[#Z?VAS1[_`/@Z_P"6L*O(<"+*WO#&$:N((#1W<]M;&L>S_A7UI*=O
MZS=(;UOHF9TYPFRZLNH/A<S]+CN_[<:O#JB^RGT[@6V52"TB"(YKV_F^F[VK
MWCI.><W'+[`&9-#RR]@$:@^RP-/YEK/<O)_K[T9W1_K';DUM/V7J1=D5GL'S
MMRZ?\]U=C?\`@[$E/-@EKBWL.Y_BI[H`!X[>7DE:-PD>T<^2&TP0(T24FD^!
M\/GX)(<'Q\N#]'_R*22G_]D`.$))300A``````!5`````0$````/`$$`9`!O
M`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`
M;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!
M`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!
M`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`__``!$(`'L`;`,!$0`"$0$#$0'_W0`$``[_Q`""
M```"`@,!`0`````````````'"`8)!`4*"P,!`0`````````````````````0
M``$#`P$&`P4%!`D"!P````$"`P01!082`"$Q$Q0'02(546$R%@AQ@2,D%Y%"
M)@FAL5)B,T,T)1CP"N&"4T25)QD1`0````````````````````#_V@`,`P$`
M`A$#$0`_`*";?$(`(^ZM/NIPH=^P2J%#+E*IH-V^FZIX4%:4&P3*%;%*":@`
M$5X;Q44KX^`V"51;7N'EI0[CO)KP/A[]@V;L:/#96_*<8C,-IU./RWF8S#::
MA(*WGUMMH&H@;R*D@>.P??'I-CNL]M,B<&;(CFF7?&E1TV=A+;3KBO\`>93C
M-G"@EHZJOU2""13?L#:63L;CUSLXO$1*;[8IB$&W7>VW^P1W75R$T94)TW(X
MMD?9"W$'4TTY4[@"`H[`#\UPW&\9GM6J/D#2[J\Z$QXTWIFHLY+JE\@6VZI=
M3"F/<L44$:D:MVH**4D!Y<K&]$==C2F'6'FE<MQIQLH6A8-:%)W\/V^&P1"=
M:=Q\H\?#>>'NX;!!+E;2W4A!`'$>XUWCW5V"!7*$%!5$`[J?]#8!?=XQ0I8T
M;]Y`%*'>17=QX;`/NF_/UT_WM7]']>P?_]"BZWQ20CV`^SAP%-U*DG8)Y;+=
MJT'31)W;A[A]YW4V"?6^V5(3IKNWG30;J5^_8,',\IM.#6=V5)?CMSW&73;X
MSQ*RXMLMI<DK90MMU<.(7DE=%)U%26PH*6G8$9Q/+<J[X91)D0[>]?+7:+F7
MH,NYS);F,MK3)5SFC;W"NW79Y<>H!99899*E(15"@I(/9B-D[DV^\6:Z16H"
MI,=Z,XY.7`AW1]<-+:4&*VSD<.]P!#6D"K3C"TIT)"0%:BL&[LMVRCD1T3\4
ML2>A>ZMJ7;K-:[7-YI4'`U(=92FV36BXM(UF(VH(3I4`DE.P,AC6&8'W.@P[
M)W(L-NG0Y9IT<MEM,1A*TM,-N1(L5JW],\RDHY*F3'4%-@M[MQ`"=W?I5O78
MQ0R&/+OF:]C9A>95=4RGKWD_:U;THR43)Z'$NS+IAC*G%(=%%/PTK#B06PK0
M"NW:QM(2A^%+AW.WR$K7"N5O?;E09K*%%!7&?:*D*T+3I6DT6A6Y0!&P#>ZV
MSRJ`10C5X4K[B*'@=@%MU@\M2_*-YW`;^`WCANV`39##TZU!(/NT[ZU(J:4X
MU\=@&?(/75H:TI2G][]M??L'_]&E&SPBO345)I7V::C=_3L!1M5O!T`)W[O?
MX;R=VXD;`06XG20I4KEJ+<6+(E.E`J4,Q67'WW5'<$H;:;*E*)`2`22!4[!6
MIW!7EO>/,K;A,=Z1`=RE3LR\+;6SHQO%H$DL+AM-LLNNN3%*UQCK<4CGJ=64
M)4HA(6,=K^U%EQ"SVFQ66W(A0(D1,=.E.EUT)0@:7`EQ*W5K*-170DFIKL#8
MV#$([C+("'$\OEI;"U).K2E2J+"DJ*$K2U0>4$BM=VP3U.`RI#24-S94$NJ4
M4)%6E*HU1'FJV0-9!)/!((`K0@)_;\8]'0TI$A^1(82SI<*UN*+K0"T+#@/E
M4@-D`UWG]FP&JQ9[<&H3ELNP;G6Y]IV+)COA+C#L9Y"6UM/M.J<;6AQ#A;4G
M?J2NAJ#4!6OW?[?CM;W(M;5@UN]F^ZEY1;/3NE;D?IYF4UQ'IMRA30GK&<?D
MI<6E]E:EM1VD>4`$*2`6R7'W[=)E1)#"VGXKCC3S:TJ0H+0K231:00#Q%0*@
M[`%K_;=RS[*;Q7[!PW>S8`U?HE6W$E-:)4/#PJ*@#WG8`[TYZ_ET-=5/OU5X
MUI[M@__2I_L,&NG<-].-.&[V[N.P%^RVVI0"GV5HD?=OI[=@9/$^W+U_[;=T
M[S'G)@R;-88S3"`OE2IT=:Y%YO=LM[J8\Q;-TNV/6"7#BGE.),F0C6E2-22"
M.X7VU59NXUUNS_2R[LQ:[39WI"6PA$=V%%:7.*&FD(CL1#+4\64(&EMM=$>1
M*#L#U=O[$T^MI,H24,-%#BD-(+DMP*4G3RXJU(;+R!N"CRT)2DD\#0&HL5JL
M++#'4H9;-6@$T#BF]W+90M0U.*><4ZD4HE)*:T'B!3M4&PNH6TPI"$A355NQ
M5+"5)2*[T!U93O`II!\P!'!6P?*Y)Q:)(2AJ3U03H+BG(\N&2K44);YB[>2@
MNJX40M(J03P(`?W-<8A+D8/*:6=2VWT-JT@K!"5*U)6BI76@2$FB:G^R`%[O
M6=60X-=8CJ>8[;UINL%]+:4=/*MRVIZ5U<UZ2V]%'$^ZN^NP"CN=8%W&QXGF
M[;56;]:FX4Q:$I*3/MK;?3O\P:W'$SK4ZR4J=4IU:FW"2:;`IM_MH3S!H\N^
MAW#B":<*\=@`>1PN6XX*;O-X?^!/C]U=@#'3#US30\:_?38/_].J['H50@D4
MII_J2?LKNV`X6&UJ<+7EK6@X<3]WCL!SNU\^3NT5X@.M351LSR["['->MP+,
MF%#M]^M>23G^O2XA<+G6RS2([#@HOKGF&T*"G=X(_@60+NV<WE^=/4PN5D$W
MG*;;T"L(KCON+>6$.5=>`*&$C\1PJ`J$A.P/=B=R8M\YQ+SJ]T?F?AD*)4EM
MT-(;6VHDZ5).Y)]G#?0#SBMCO=^6RQ;KBU%9>*W9+RX\"2Y++BV7GG%/.0IK
MS#REE*28Z63I.[P.P%^TX%D#<@-6.[2"M+[9<U,+HMS4&VEEUZ&MIM*M`W)H
MVFI-`378)RGM)?Y$EE4^>ZIU32EEPJC.N!UU0TJ2LI'+5H=44$44@[@I(W@`
MKG]IMN%S%Q[A>BTL-J2AZ9(TM.-CF-.HDGBA+84H54$T%*'=78(+-A09F.7/
MF/M2HTRW.QW)+1"@M$IH*2\`T^['4IM*0`:+UEL5!X[`%["J%??IXCVMV,DW
M'&5SW6A&YA3',/-'K:VA6I.DI1:[V!J.E9!0GS<NNP*1DMM(#ODW;^(\=.\^
M.P+CET&B5*`((U5]M*BOV>'V[`#NF'K.OPY7L%/CX_L]U=@__]2MG&X=0W4>
M(!W>X4`.ZM1PV!C\1M16IDE)/P^ZF_C]M#L$YSF;!6WC/9I]E!N'>+U2WVJ0
M\TCI[;-QV`YD429U(=:=B29;UL,1I2:)4Y(`<4&M:5!7/VJ0^<KN\Y<.2W;F
MTP(\=R5$>8E3[LP`BZ2W69`3J1U)U%9317Q`441L#-3\EREN:Q9\/MYDWBX+
M:8:F3F&GX5M:B\Q4F;+;D)6EY82M10VL)04:E*40*$-YBO<_/K#=G+9AW?[M
MGEV0?EI]UM%MPV]9R;<SZI;8TI%SR[M[:[G;<91&N%]AQRNXLM,H5*9*ELZF
M]0/'V1^H&^W5IUG(<CQJ[JG0$&-.Q64GD.MK"V2MYJB9,9]<MHITN,LNH4M*
MBDC?L$P[S=XA;X/5VC+YMAI&2)DYASK.C90RL.R0AA+CRG&V8Y(2$I4JJOWB
MF@53/WOM#E?=*-%RJV]^L^RU<-5PA/SLYPZR6Y-O7;',A<`QC),JM5TD0EVA
M(D-F.B='DH+=%**B=@<GLF]C$J&A6+S+JK$+X^7+99;VRJWW*/)C]0PMA^+-
M99D0BXU()+!"5H-$J2A:-+8;>T6$=L>WW<9J\MLID76_P\2BMR&];D>2]?\`
M#;?(DQNI8H;=*M$%@H*$M\N6^X:GRJ0"MY=:BTIU)10@J!W'B-5=U.._V;`K
M^8P/*^"*`:C3@:'<?MIOV!>>F3ZIX?V?&O&G&M:;!__5K]Q>,"IH4WU!X#W#
M@3O&P-I@MKUB.=%=R:T%"16I\/#8(U]45F=Q>5VM[IM,KD(PQC.U*B(+C:B\
M<7DS(DA+K9*D<HL+5J`J*>(.P"C%6_U&P/%<UM]JM=I<=MMPO,F+;C(6W%@J
MNTU43JU3'U%"IL"0A]:@\Y5UI320@)*-@)=BP^SW^&Y`R-N0Y&NJ7$RH5ODI
MM1G-3&5)F-W!#[=S,=NX(9*2E"4JD('+<0VVK7L!49Q#%[9:HUM@=M,(97;6
MVX\2Z2,:M:),=DI"5O+DQI$*)!+?*"E@);0#72D?"0`#.'P\9OQEXPU#;,A;
MK$V99K?'AQ'WGE-./*4[&B01.`=;)2M25*2H\2*[`1\NQE5U@,PG^GN*9*!'
MD,.AI]M]+Z%)Y3\=T+8<*@M11J!`4`>(&P2'M@6.W3SHMV-XQ<$O0?3";QBE
MOGWB-#0X%I9AS%R+7$BJ:=11*U0BM*334KX5`5;-8(;TA.0"-(B74W!F4X\^
MY$6F6XVEM`CO08S+43IWEK!&G0M&D`*4:`AK._EW8FYQ'[9"SO-IN?;BV=S9
MEQ+;,:([>,GNMIQO'H,1L%Q7609&!.OK2G3J#RBG50G8`=W`L1:6\0@#XOO&
M\@BF\C8$[S6WE/,W!(JKPX[`MG0_[_H_=KKII52FJG&G&NP?_]9#L32"XT`K
MB:<!NK3?2NP.EV[C!9C@U_='L]GN.ZNP$CZBL$=R?L==I,)`<GXW<+5>6&%-
M!]$R)(?5C]V@R&B#S8,BTWMXOI'F4V@Z?-38$;[!LV_MEFEYM4"XH<Q1W&TV
M_'[%+:="++,D7.PW:?H<"^;*BHNEMCR&4I)6R6R16NC8#S@-J<7GRK2])Y34
M<*;5S"A*F.8E*`PH-A2$OL`(;-#\:/+X;`T.<66PXWC\BY20_<5);TQ+'&*2
M[=9[@TQ(14Y1*4R))`5YJ4XJ''8$L<<GNO(NF87IO&)CJ'$VS'F+/.F(;=#P
M.I^+'CK+4%*5$F02&J)%5@$G8&1;B]N_DN%<YV52)KKK,9V?.@0TRW&`ZBBR
MW!A)5*<4%J3RU`!*1YB>)V#4X_:Y5INMNF9`OU/#;Z\W`BWBE)UMN`2!&3,C
MD,O1FKBPK\):AI+OE.E2VZ@P\O$+0F=:8UI=,AMZ1%<D)"%(`:U<PZCY4J64
M@IIN).ZNP9G>'#(=YRCMC+DVE3[\/$;=*5<V4.@MKQ>9E;$)#[R%<KD-R+PH
MAMQ`25KW'7IV!6>Y%D0D/F@XJ3P%*%)]VX^S8$/SVW!'/JGAKK^T5W`G=NV!
M8.F_B*M!3E\?_/2GPTV#_]=#L0<',:/O2?#=P)]V\;`[W;-:28]?<:;MV])!
M/A_3L%@';^UP+U"?M5SBL3K;<HK\"?"D)UQY<*6RJ/*C/-F@6T\RX4J&ZH.P
M:GO%]*79K$>UC^6XWC*+??6LDLYFWZX72[W::BU29#BI%O;D7*7-,.WK4VA.
MEL(!)&K4H)H"48OACTF_97=HU#-1?;XT:E25)>BW52DMI"EU9;+;"J`C>H!.
MH\2&QRB^N8U,N]\SNYQX,*T7--JQM$AU$*W@LQ4+=E/29RXC?53EJ4E"OW4$
M*2G>20W>*2<;SB-&O"+O9W;5)0LM`2HKD1QY5MN-P0XQ(4^N,E+4&&\^2%[V
M65$GR+``AVK!;+=;;<8<AOE7&URC`;;CAZY243V;;UBHJ68Y?<+_`$+3[K@*
M5*Z="EJJD$[`'V<OQB#DD_M-EN48PF_R$%+N#3\AM=NS(PWM(CRU8V]*3?&$
M5CJ+;X:3H<1J0=0H`.';JS7^)C5L>O$QR?/@WF[6=4O46WIT''KI?(L>2^TT
MRXDKELVU"W```:JIN^$&FRZ.R<?MA<;`DLVJ(VZXM"$N:78S,LM$T"@E+CRC
MIX!1]^P('W/2R@2`"*55O'W[OM.P5Y]Q7F@J20:"CF^GN^X;`J'4I^8]%?\`
M+K2H_P#5IPXUIL'_T*[L1G[VB#XII4UK0#P'&M?MV!T>VUW"#&->`1NW@;B!
MP(^S8+%NU]Z1JCG6`#2OL%:;CPW;`TW<R.<G["]Q+;''-D1\>-]CMA(<658U
M*C9"I#*"AP+>=9MJDH3I)4I0''8*JNRN0-W"YW^++?#3UX0]-%`07I<H*$XC
MDD(;2B2MU:0H*"4D4\=@('<7',/[AV15JRRU6F[)90]#N%KO,.'/M5R2EA,8
MNR8<]MYE;8C*"5:DE20FIX`D!/VQMW=#LM'G6'M1W`>PK#!'7T&.2[+$SW%+
M<RS:;_88ENM=JN!6[9+>W:,GE-,IBOM-D!*%>1*0`9K(>_?U7]R+>;#/[GXY
M9FFY<V;(N^*X#*-_NLZ=BTK#UQENW6\W>+#FKMK[9:?:;3(;=+02KEIHH%:M
M'97'[%D-PO>26U=RRJ^7%,RY9?=AZID]TE*4Y&9=GW*8@S:`(">77RMU2!38
M'ELLJ`]:[7;("@CDQV&G%T<0ZZ_(>_./+JA04XM+Y*CJ`)5NW:@0W'<:_M,Q
M`RDA"&F"$I&X)30E`52F]"*)'B`*>&P5R]U<F03(TK3N*B!7C4'RTX4)WG8*
M^.X%ZYG/\P&K745`H/&GLV!4_5OXAYNLTKIXC^W2OLI78/_1JNQ*[)_".JGP
M[J_8*>!V!K<$R-+*F07".!/F]X^_8'F[>9_&AIC\V2!2A%%)I7B.)V`X]P_J
M^L/:3%\;ML*X0)O<KNIEN)]L.U>+OZ)DB\Y5GV7X[@4&[OVIMYEZ5CF*W++H
MLJY*ULH6@HC!U#\E@*"NIJ?,[<]U<AM,YAR`_B^7WJTR+<^A294$0+K(AR[=
M+87J4EYA;!!-!I6V0-XKL!NR3*.COMJNS+H-KN+T8:24E#;SJ>8MI;5%E"W]
M(*AQ.F@4=^P2,=P)T)N-'M3+2F9#BE"6ZU)>(UGE@+6VA3A1S3\*2I-0H*``
M)(3:U9IE%CCO2V7;;HE-K6L")):+SK;3Y;2$H#B*I7XE)*%$:BE.J@;*)<G,
MSGQY*FG6(Z2XB45NHD:4MEPNG\(K2EQ%#7S*4DZTD)(2G8)WB*6(<N1)4ZI<
M6*I4MT.Z@@+U4CLBBRD*<>:"])%%(;-3X;`*^Z&<<PR0'R00L?%Q(!-1O]NP
M5\=Q<IYSCPYM4@JKO&_W^_V;`D>>WXD/("S5=1X'A4T!/NV!9?6/X@TZC332
MF_CS?92O#8/_TJ0K+ED"V.M-S;E#B*44E"9,IAA2J[F](=6DG5X>W8"<YWNQ
M;$TN+N5\9UQ4@NPX"7+C,0LU*$.L0P]TJG*&A>+:*;R0`3L"R=S_`*]^X-TM
M:[5VX,_"K8^ZY'7D\;D3\CE,-H>0XS`=>8=@V1+]#5Y"')#92%-/(/F(!SZ3
M<_S///KJ^D6;EN576\+D_57]-T!^=D&5W+)KFNW1.\V'3EL2;M>+K=9RD(>9
MYM.8A`+8"`E(2@!VM_S%?H7NRFIGU,=KK9*DQ'X,9SO#CEO2GF6]Z#$C1&^X
MMMC,H2M;#L=A'J]"HLJ1U@HDR5I"JFTNR9]B5!*5K0VM(<2`:MNI'+0MHE*5
MM@)7^Z3X`>!V`P8A<;C;HD9J9&,AJ)):(D%MU;;T=3182\5)0I3<AI*ZZ3N4
M`=()&H@9!G#"V8\1J(Y*D:0A#='5,J"DJYCI:9Y384ARE-8-*[P:D$-K;ITM
MF*N-%1T[:E54`07:NN%P)<&ELJ*030!"2:'@"00UN193Z+;U1]:FUO@+605!
M+B>2TZGS*/F6DOD$C=2@X\`3GN!FQ=6^.=J)"P?/6E*D>[?X;`FN:Y'JYU5@
MFI)!(/L(]O#8%*S*]Z^<XI=*:@*FOBJA]OAL"Z^K'UGF:M^O[_BKPK7AX;!_
M_]/DTGYW+F`)8;@VB-&"'DQ(D1N/%7(=DIU<DQ4,%,I6M2@Z`IXT)*E;R0C5
MYS&;<F(\<*95*EOI@L2RD)E1F5-.J<=4_H4L]+%;W(^&M`D))&P1^<TRMMI4
MJ"M+;;22PB/*2AMYPJ"TK#LAB:VZL:?,$FFK<-^[8-CVONYQ?N'A&568S(5Z
MQK+[#D-JDKF-*Z>Z6.ZQ+C;G@!;FU_@38@6!5)*@-X.P>PIVD1;\MPNPY+$Y
M<NU9!9[==(+FE*VI,&Z06)30TZBA;:F'Q^W8*JOJ_P#Y5C;]PNG=KZ98<:'<
M'#(N61=GBX8ENN+P<ZI<K`9"GFH]ID!052TKT0UU"6%-4#*PJF:PR8S*G6JY
M0+GC62V:6N#=;#>(TBUSK=<F/PY$*7#EQA(AN-KJ%)+7,2!0@[QL&\9Q%Z*W
MU3UR:4WRU**4J"B6R#J+26T$N)5H(HE.\^'#8,&YRX+>ME+Z(=NALJE769S#
MI:@P@7Y<AXJ25(90E%5K!X'W;`"OYU6.S?IY[3?RZ[$Y,O?;W+.]=C^HZZYA
M<K!>+[BUX8RF#)["W/#[3?%0YT5M]FUP,GE0]$ALI;?>HH)1JV#G2/?/NOCL
MT69>8WFZE,@\\9&8]YDW!;+0#J$R[HU)EQ%EML$LLO-I4LDI`4HG8,Y??NX7
M=DB[VN,I170R[3(4VV4J`*1TLMQXH4X`=)+]%*!2-X.P0C(<SBW%A2F2^A!6
ME/XS"T$E:5ENBTZVE!PB@HHU(IL`>]9;]1U\Y.GXJZMWQ?UUW4X[!__4XUNJ
M#;`6M*XZW9*@>424I3':T))0Z!J!,I7F"J&E/`U#)QUM<I4JZ);8EM*ZB,RA
M25<Y46,\@OR'-!:>99>G1D)"VUIKRJ%7F((2)*(JE*>9EO15N@U2MQVI4L*`
M_,0VM91S`:$MH2GB:TWADVMFXINT9]F0B:6G8ZHR57"/.+RVW4/-I1#DO*,I
M;B6E*"=!"2=P&P>K7_*P[EC,_I-[:62<_P`ZYX1:&L-F)=>0\^P[C9](#$E2
M%K!>9$4))!*5@!224E)(6C,LQ7DD/-@A20:IH*``\-7[U?V;`N7?3Z0NSG?U
MA$O*[$8.4L,!BV9OCZH\'*(32`HL1Y4GDKC7RW,\Q=(TQM]ML+6IKE.'F`*3
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MX\UUB4Z9+Y*D..A`;;?0Z`IUE2@`XM:G/.ISRK4Y0IHI(60D,:XM!M+;N]AY
M3R67U:.8EQLHUQY*J`H2VI0&ZE%*"].\I(?2L+3S^7%ZOG?#RHO/ZBOQ=16M
M=7OU5WT_>V#_U>,JY-R+I<8N/VPO2E-VZ,],D)321"A25)DS7$M(;Y:9`E32
MTWI2NA`)\J54"7M1XB!';A!%LZ-+3+#(6ZJ(T:$E41Q2WI<9<=D:0%J=U:=2
MG!O!#/>6X=*Y<-"DN*;+$T)*4T0'"5I?8/2REOD*U%Q#BC6I(WU#YM*C(;*F
M%/-*HGD,O?B)6I.Y)7-3R*-H2XM0'3J.K<"..P>GS_*-R&3D?T=?2OW#7<S=
M%WCL7VRP_(G](29MUP"PL8&[D#JFTN*?F2YUB6F2IS47$!MPK2&E!87;6X!]
ME`K^[QI7?Q%?9NV#<A3R4)#;E-#80D:*@J&ZH(%03]OAL%=/UG_5JU@-SB]C
ML0N,16>W:R+R/+)JLB^6OE7%=+J8$&+D'2R6;?F&426RJ*T0'D6]IYT%E;D5
MX`I/9SZN[M@%VN3V6O3;GBKT1^]WJ/#R5.<S#%C1+E,EW6.XQ$AEC(66K4I)
M0E;BIR3^/1+2'F@M'OMEPWN]@%TM-TCVW+.WO<S#)UJN+#[;<VT9)B&8V9R-
M,8?9=242[=>++<E(6A::+:=*2*$C8/*#^J;L5DWT=?5GWI[`9;#3;+=B^8R6
ML?H)`B3\)R3K+_B-UA(6TE4V*BT.)9?6`=,AE;9)6V$@%PR>W,M*<EVTAYY1
M"Q,"0$T"?+TZ6P="B`3S:E2D@4#9!UA'8TI;2`S/<<_,+(4VI`U)0A*F]<Y8
MT:+A&.]C<5:5*"BE*J*#?\]?^BTIIR:=5I7RNDY'#7HZG1JW<[7KY/X.FF[8
M/__6XRW=7ZFR_P#5:N7*YGI_)YW+ZU6OU2GX/3U_PN5^+SM&C=L!!F4T/UZ;
M7S#R^=K]1Y&G_P![H_`Z[53F\S\SJ]U=@Q+-77*Y?5ZN4G1Z=IZ:O.;T^H]5
M^%T=>',\M>.ZNP8:Z_E.9HUTDUYNGG?ZGS<OIOR_I?'1I\=6G]W8/2?_`)!O
M-_\`S.[`ZNNIZ;G'+]<Z+H>7^H>7T],Y?F]`KPYOXNG5X;!T)XW7H6*]57IV
MO]7IZG_#%.JT>3F?VO[W'8)2CBBM::AQK7PK\/F_ZW;!RC_6GH_Y]SNOZSYB
M_0V-SO1NH_6'K?GF#T_ZU?+G_P!6>A<OF^A\C_;^AZ[G^?I]@FK_`*9Z+C')
MZ_K>7F'S)ZY\V^C\GY2F]/Z;U_\`#_R]ZGT_S#\I_F.FY//_`"'7;!;I]!/-
M_P"+';C7Z_R>FN?1>M='T'2=>[3Y,Z?\]\C=1S?3?4/SO*U5_!Y&P<4/_<_=
M'_S/[4\K]*O4?T3G<_T3U[]4.G_4ZY]#\^=9_"_RWS>J^7.F_-<[UOJ_P_3]
M@YYT5Z6'7E:^G1JY6GJ--5ZNCI^7ZNFFNCS?#IWZ]@'C_+ZQG5TNGGBM>HK\
C!I7D_B:Z?XNG]RE=^P2W_+_SNH]/]W.KRO\`XOY;_HV#_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>34
<FILENAME>g655868cassaday1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868cassaday1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0JT4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!S````!@``````````````:@```%`````)`&,`80!S
M`',`80!D`&$`>0`Q`````0`````````````````````````!````````````
M``!0````:@`````````````````````````````````````````````X0DE-
M!!$```````$!`#A"24T$%```````!`````(X0DE-!`P`````"!(````!````
M4````&H```#P``!C8```!_8`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.
M061O8F4`9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8
M$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.
M#A`4#@X.%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`S_P``1"`!J`%`#`2(``A$!`Q$!_]T`!``%_\0!/P```04!
M`0$!`0$``````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#
M!`4&!P@)"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84
MD:&Q0B,D%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E
M\K.$P]-UX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>W
MQ]?G]Q$``@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(C
MP5+1\#,D8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#
MTW7C\T:4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`
M#`,!``(1`Q$`/P#F6M16L28U&:Q)3$,4?49N+0=SAR!V^*J=0S2`*:1+W':(
M[E%P\&W8/4=#CR`-$E.CC4U6Z.)#N=9`_P`[Z/\`TE+(QJF,W@&.^V7`?@EC
MTVU@`6'3B>RNX[H=[R'I*<@M!&YI#@>XU0W,70972Z;@<C$AEW+ZS]%_];]U
M_P#+6.Y@.Z`6EIAS#RT^#DE-%[807M5U[%6>U)3_`/_0PV-1+F$8UC@=L")^
M*E6U7'&IN"YCQ)>_V_V6E_\`U+7)*<+`Q)O?=8-6G8SX#F/ZRVZ*2>`JF'M=
MJ!R96I2=K0?]R2F;,<GD(C<?:-`I,L=R`2!Y#^]$-CGMAL_<$E(AN850ZA4T
MY%>4T0YQ].Z.[3_Y%ROO#Q](&%7R&%U+SX"1\DE.7D4ECW-.L=U3M:MC*K#J
M:;A^<P`_&)6;:U)3_]&A2R5/-:TX^T?SC`;`/Y/T7HF.R80NIQCW-R'R:_1=
M60/Y3@'?]4DII=/=#29T!(^,*Y7EOW;::W6D?2CC\5`4-9!8W:PB`)X)UC0(
M[<.I\%^YS!J:VDM!_K.8[W)*;E'4@2*[*'UP8]T?]]E7WY+&5[F@'N`L*_&8
MT-]$&H,&UHW&3_Y+^TB[K7U:E)2V;U'(NN#!;1C"8`>9<?N1*C;;2ZMSFOD'
M:]O!T0,;'HKL%EM9L(X]SFQKO'T?I[7^Y7,>IE9#JQL:#.P"`/AJDIK>G^IM
MW<DG8/Y(T5"YBU,F'9+J6Z>@Z#X>YILC_I-5+(9$I*?_TAXHX1.K8HNQ&DB6
MM=#QXM=_YEM4,0\+9QF,>W:\!S3H0=0DIYW$)&/92YQ<6N+FDC4#17L&MKZY
M<5>ZOBT5,8:JVL!81[0!P=Q51N.[TOT9B1V\)]W_`$4E-?)#C9MK$,'TK(DS
MY*6.*2UVYY,<:0FKR&ORAB-:X.)`:#[023M]C[=C'_V7+2KZ?DGW_9W;-LG5
MDZ`?\)_*24Y[6019S5PX'D?RE<])FYNPR.2J=U[,?,.,6N<?SML/:WMML<QQ
MVN5S&I<VL?UG;1_)D[$E*RJ6G*LLVP=K=?,M:LO*9$K>RX6)F$:I*?_3K8MD
M0MK#M&BYJFX"$:SKV-A-][MS^U;8+OX-;_;24]'UHA^`VP'^;<)'D[14,:\&
M@'NS0GR6?T7J=GUDZC?B-;LKJQ+'4L)_PF^@->]W_03T/LI>ZJQI:1+7L.A!
M&A"2FZ^NO(Y`A29C5_S0.VMW+0]P:1YME5JW>XUSH>"K-5;=DR)24N<>ND@,
M`@_FCA6Z;-VT?N_P5:L`$[G2!PB"T,:7=RDI?,O&JQ,NV259RLB9U63D6\I*
M?__4XJWJ%I9`<1VTTU5)\G69\93-]QGLW\JF1/@4E/3?XM+?3^L>P_X>A]8^
M(++O_12]$ZW]6FYX^TXT,RP-1P'QQN_E_P`I>6_5"YV-]8,2T#;#]>>(]W_1
M7NE9:]H<."$E/FOV5]=CJKF%EK#[F.T(1!2[B"N^S^D8F>T>LW](WZ%K='#^
MU_WU<WU#H>;A`O;^FJ_?:#H/Y;?S4E.1M#!Y]@JO7[7].Q\2T-]1V6U[VMG;
MHPM;X.^EN6KT[IF3U#(:Q@+:-#;?$`-\*S^=:[\U"_QH=,L;TS"SL4;:^G.V
M.8.!79M8W3^NRNO_`*XDIX]W6:WF'M+3]X0;,FM_T7`_E6?89`LK^B[5#;9*
M2G__U?/FM#0`-".5+S(^82/T?]9_\Y41P>?DDITOJZ]K.N8.Z"U]S*WAPD%K
MSZ;]P_JO7NF#+:A63.W@^(7@73O^4,;_`(VOZ//+>%[[C<,^"2FX%3ZIU*KI
M^/ZEA&]YV5-)B2?'^0SZ3U<"YOZY?0Q>/Y^KZ?'TG?S?_NS_`-UTE+8O6;FW
MCU'%[7Q+9G3B6M'_`'U:6?BXW5^E6T.'J8^740/,.$L<N??]"O\`F_IM_FOC
M_A/^^_\`"+<^K_\`R57SR_X?2/\`-_R$E/A]M%N)D78.2-ME#RQP[2W3_I(#
MFEITX\UT/U[_`/%3D_0XK^CS]!G\Y_+_`.^;%@6<)*?_V3A"24T$(0``````
M50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`
M00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))
M300&```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("
M`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!J`%`#`1$`
M`A$!`Q$!_]T`!``*_\0`A0```@(#`0$`````````````!@@'"00%"@L"`0$`
M````````````````````$``!!`$#`@,#"`4("04````!`@,$!081$@<`(3$3
M"$$B%%%A,B,S-#4V<15E-PGPP4)28E-C9(&1H;'A5!9F"G3%QC@Y$0$`````
M````````````````_]H`#`,!``(1`Q$`/P"C:!#<<('O=CXZDG770Z#VZ#H#
MF!5K(3NU[@$=S\VNO?QTZ`OBU2@D*.H`&I420``!XD]M!T&K<OZ5,YZIASFK
M&UBH0Y)@5Y5)=A-N+2E"["2VA4&M2K>#ND.M#:=QT'?H&%XTQ+$\J0EJSD28
MU@AER0ZFQ^-B5#J$O>4AJ);M1XM3)?/8K#<]TH0K<0![P#<Y]QSC-%4.7\*-
M<+AMLM>>Y0HL;^!!45Z+DS'9%<R\[$V%*B6%K"`0?`]@@9ZL:D1&IT&7$LH,
MA(4S.KI")49:BA+A:4MHDL26T.)4II82XE*DG30@D!&PJ3M/8^WY?#33Q\>@
MCNTKUM;CHO:/8"H^`!'?OJ/GZ",;J"O8L@:>)!]Y('C[>W0?_]"G.IK=VQ2D
MZCV`@@=_$_/X]!)-=5;4[U)T2D`ZZ:Z^'R]N_0*;Z@N99$5MC"<(9D6%U<3C
M3PVZ]P!VQF.?4R$M:!:$P:]I:RIUQ*D!S:Z$D(;4L#OAW@W)44\?_J"V1$LI
M[,A<V!4PXT:M:<D!XRFR$H,EX.AW:=5I`*4J2$D=`[O'^(Y/C4..PUE<O:PI
M8C&5YQ3$2K<ZEJ.EMQII#+"D`):`#9&@TT'O`S?'MHN+,<=N9D6_3YODEM3"
M7'5(4Z74K<4KS''%K"O,.]2PI1T"00I2PD/DSTOX;G,21R7PXBFH\\6VB3D>
M&2FVV,<Y%C",GXF-9*9+3U/E#B0DQ+)(+S+@;2]YS.YM05O6E,S)-HJ-!FUD
MFGLG:N^QZV\I%WC5HT2%0+1MLG5!`'EOA*$NI(.B20"$47=3[J_<&HUU\!K\
MW?V]!#ES`V;T;3IH=->VG^SQ`Z#_T:LZ:L*O+`2-.PT&GR_/T!9F=+)C\<Y;
M;,SG*OX:`(;4YH*2XS)G(?*G&WPVZF*J%7QI$DNE"@VEG7:>@4[@/B=4W.LJ
MS/(XR79=+92,/QM"TI7'BP*UY*;"971U)2AERSE;UD@>ZR0E)"=!T%H>"X6Z
MZ0J.RI8!W*=6V@$J)^CYQ;2@$$;1JE1*>X.IZ!BZKCQV3M#T1L$J4@`I06RO
M524N+60`D$`=P"H=M"2->@,8>!HK6=L6N9;4%?6.-H.W<@)+:0I+:`?+T&FI
MU[:D]N@RV%65"][CK[2@6R$:EO=N`.T)+>Q("E@$:D^(UU\04GGW&*Z;GF(<
MKU\9#%A8RF,&Y"$=I+K=_C=PXEB*[+0V]&6Y,IK1QIZ*X7$!.I).G8`M6>8D
M[16MG5.E+RX,AQD/-A0;DLC1;$EL$:^7(CJ2XG4>!Z!<\FK-F]80.VO?0:C0
MZGYN_0?_TJ^<?JPKRR$ZGM[-._M_E\_0,992L7JN"[.FO:]N;.O,V:?J4`(^
M);70XQ/R*5(:6Z@-M#]45$U@G?JXU)=:T!<2KH%GX?17VK;LF/&>2EZ3)G*>
M9::2E9<DN;MH(47E/.>\MPZJ65'QU]T'OP^0BOK:]U"$^XYHILME45!;V&0Z
MJ,E1>E/I;*T)))).@\-00F6ER.TT9>8B7,B&RZ@NN,0(6_4-)*DMHD6,93X\
MW=J7"-1W[$#0#25?65O#98KF[E+>]M"D.T5#H7G%:?23+<DGZTZD%82HCW@=
M3T`-<1+9A"FI[%AY"%/.!;S<>*&F5)V^:VS%<4PA&T;BE*?=)U3]+7H(>Y`I
MG9V&9$^DJ;<AQ'+*(HAQ"FY%>1(8=2-$E*VU1M[:S]-)3[3W"'.5*%BSQ'CK
M,HJ4J_76'TT>>H.%Q?Q;=3"FQD+6IUTOB/!F(82ZDI0XAA)"4@]P2W*:M*0Z
MG:.X5XC].GB1XGH/_]-2,/IP\IG5`T[=].Q_21IVZ`HYJK*R1Q\*IE8&54$.
MUS6'$7(8;^(QKR(M+D<CR5+#S?P*UQE!]"5>6%*21M6O0%4]/LWX>#,?1(U8
MCRI<!MQU)V3&:UPQ4S$MNJD[VGD=P4J"2L[M"KWR#&8]RQ;(GBJPG#;O/)]>
MD"S%:8XBQ75$K?BI5-+3$J<'6$A6CB$-;BDK4H;`#D8)ZC&I;\#'\CXOSK%7
M(TEN(ZJX35^0VH^6UYCLBDG6,-QAQ]!`6EU>Y>H`/;0&SO.1:>FQLVU974TA
MMM9DLL+>6''6"E"VBM]Y#I6X%(61J1H=!H.YZ"M+FKU#\A9KF,.GB<@<$\0P
M43#%8KLFLYEGE%G\2I$=MAANO?B1V90<>2`V%-_7K2%HU5LZ`RQ1_)LOQ&[H
M+&VHLA<GULL4N34*BS!N$.P9$5C5N.70J0F>AH;FU-DH).S4%70"9H5(X=I1
M;:-RY=Q:2,<AH<<<",>KDQZ^$'$N@.(<C5P8:=!"%IDH=04A*$CH%'S"IV!W
M1'=.NFG;YO'7373PZ#__U(:X]J@Z6-4=O=!T&I[?,=.^G0!'J7,/CK,ZCD6]
M3/D8P[PSE6$SZZ"XAEV2U>Y-30[)I+CC+C2&WX%J$DE*BE82L`D#H!2)@L*H
M^'E4%$FLQVP@18D>M3,2\N#,FL"Q>@-38,!4=^3!8FI8"T-@E]E:R@#0`)+A
M\/XM=(B.WSEY8X_%D.R;##*&TM\>A3Y3T5)<F6]E073"[IQ"B/JGF?@M0'&`
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M<<.QJW]>P1N2WH70-%$=U`KF?TA86^DHT3JK_>3IK[=!T'__U1#B^-YAC#4Z
M>X.P\==.Y(W?R^7H"WU8<71LUXGI)<B*S,KZN];K\@AN-NGXO'KYE+3[86SH
MZAYFW@0EM;5ME+NU0)(V*!=^*)#L7`<JPNPMI=K-KKRTMZR?-B)8F0J>,Q7N
M0HBTK4E+DMFNCM)4XK;\0IC<4H6X%=`TO!M#!N<=<D3YJ$N%UQ8;24H*!NV!
MP)`&H04$!)&J1[-!T`'R5$GS;YZOQN*_&HHC$AFXS`0W;.;)EL.H+T2#%BMN
M2&HD6.2DE*2"K=J=0-`V_'L3#7JVX1;9!921$!36HD4#]4%,NM:F0XY*BI\Y
M:7^RPE6W3W1IT&3651CNQ\D1YMAA3;YB6<6S91'NJ6.Z^X$V:4-%QIV!"D(+
M;BVWEH2R4N#5M"R`8\8K2JGU+=%(<>B%+<J0YY>PH06R4*(W+;6H'W=?`E*>
MY!Z#YY0PR'*Y1RO)6Z<177:+'D.SVU+#4J9/QG&G'M[>]2%266("&]VU*TM@
M`Z[@>@13E.E0TN00G30E1/AV[Z]Q\@Z#_]87XH?3OC:Z:ZI[>.A&FF@^7H+*
MN-:JIO:]RIN8,.TK)[1C38$Z.U*B2F'"G>T\P\E3;B20"-1V(!'<`]``^KSC
M#"L2H\<=Q7%*3&V)F$W=:TFBJH,".I4"TC6DXR416XX<?<BRE`N*W.+"SJ1H
M3T"[5^`3?^DU(QV<J$[)A101&6&G$UCMO!%HILI0/)=BU<US3^D"CS-/$`(O
MH>0JV]Y/B\.5U+=,6TRR@5=)&GQD8G!N)DVS;JHC6-9+GBL:Q?(Y$F4D)*(4
M^0XVM>K@&Y)(.U0^GWDMYM%PYQ'>KH%X\Y:S/.NN+43T-1(-/)T7%/(;DCXM
MZ+:1U-LE"I#WG*#25*;=#8)SF.=U/&_+LCC!ZKR*QD.,%=T,<C5&;8QBCZY0
MA2*7*[K&[JQCUEJEUYQ*HZT**$(/F!`'0,IQIAMA68W7N$+):N\F_5C"GGB&
M:%J_N8^/1FGWEK?<0S7K80C=JYH!KJ0=0GCEKX=#;B.WU32T)T(.J$;PV1W.
MH*0"![.@JZY=E,I,H`@JU5[1\JOY_P#1T'__UX3XQO4M+8'F:%)0?;\H[`$^
MS^?Y^@LUXAREH?"DO`:[-WO>![$'YM>@+O6DZU<\$T^0QY#`<Q/)H8EL.*0'
M9-1?,*KYK<4'5;SOQ+4<J0.WP_FK/9'0*EQOGC3N#Q):%`2,;<$:4^5ZZP/=
M+KBVU%1^&?BGL`-`-"!KKT&HN\=QWD9+0=APTLJ<=4VEYN.IAI]"P'0XA;:T
M)="G!J=R%*!*=`=>@V])QK1(0[BL*R?J<;L6GVY]%79SE\3&;&"Y$9CO0[&B
MBW+45R)+CQFDKW-*:VM-Z@I'8,^3Q]CV&.L-4,:L;8F%L(K8C&V&/=;&U"'$
MAR0E(!U6I0W!.O;P`,#AM^)RZR$&RV*<1V$HV.!I*8!$A.NT?8C7<K;H4)'R
M]`$<NYJRA,E*'CHD%"023HE((&I.FIT_3T%7?*V5^<Y('FG356NIU[^]V]G0
M?__00O#LS;A+9/G'=HDA.NI/AX]^@E#)/7?QMP9#:%Y</VMX=$1\4QLP)UXZ
MZ!N3\89<^OJJ..K3[:QE1&B`2DJ*2.@+/1=ZF,C_`(HOJ,Y9X@JJI5!C&$^D
MSDRXXTH)UG&4B5R4]R%P7!J<FR:V:;<AM>:\Y+JT>6AU$*#,<4G5;KA(9V%7
M-_@]W;8GD=18U$]ER;1WU#9QG:Z?66E>^J%.KID1]8F19T"2EQM31(6C:4GP
MT(2#CMHOX^=CWQRT1'G)3D&0$!14RZI24I2@IWAQMI1]W3WMP(&O03EC&.0%
MU"9!EQ77O+;=:<#4?=YJVU.A9DDI2HM`I42"5]M3V\`(*&*U$DR%S[)<F-$D
M>="9;=<=9/NMO(6AI3OEI2TM>W5*=$A.@[:D@7-Y)'I84Z<IQHRI(4AK:E&Y
MM#BBXX5]@4.*2$@#L0WI[%=`G/*.?%Y4LA[4J*_Z8/CWUT!]G^OH*_.0<G*_
MB"7>YW$]^^IW>/L';H/_T>7[)?4!E<BH4TS>3(:@@PBS`!KU2I;Z3';0J;#$
M28VIY2]%(5JT#KJE.G8%MM5.RMCXE,OG:7GWI"GPJ2\^2[HZE:@S(]]`]U/F
M)([_`*`O@_\`&IRE&-?Q%GJ.0B,ZWR9P-R'@T<,,ML):E0;["N2&]JO*CA:O
M@L!>1VW=S\O0=F'K;_AK0/41#7REQ<U74?-4.&RN;%?6BOJN1F*Z.40HMG+`
M\J%D;++:&8\UW1MUI"&)"DMI;=8"AY/%EYCV0V>+9ECEMC.:T4I#-MB]_%DU
MEI7R`RE2'%,/(#J?,:=#C3K1+;K+B%MJ4A25$"F+B<_:(_PMFA"20[MDJ2VE
M!5]<$.>7N4RLJ5NV%0UU[D]`5FK:J(S:`V3)=(98B*4=Z%%6Q`6MP!7;7N`?
M`]A[W00%Z]LKNO3)@'I_RF%3M9//YUQ?D/+*NH=LY&/,IIL!N:"D,B%,75VK
M=A)M&+=N4@!+;1C_`%@6M&J^@J`G^L>@OWG(]W2VU-(4'BXZP_$M8#!;7H6U
M/I7#E..(1W4EMASV[=P&O01OD/)%%?@+KKB+)#H*T-%WR)1`T)UAR`U*2I)6
M`=4`@D=!_]+C:KDB=,==<0ZN'7/%.]A:'&TV+S#BT)\IUO<HM1'EG0J0=SB>
M^H/0$4B(F1NW.0WFBI:D!\EA]2W2%;%MEQB3,4@=S]KIMUUUU/062_PA\MG\
M7>O_`-/>6,UKM:Y7Y@ZU(T:L&C)IWJR4Q>PU-2'7_-0Y0KE:::;2#JH@'H/5
MMQN17W%9"L(I2IB7$9D-ELC;L<;2I)&GB-#VZ"'^>_2/Q+ZB:MAO,:<-Y'7,
M%O'\VJ&V(>78_P"\\XAJ-9KCNIFUA>>4M4*2EZ,I2BL(2YHM(4J\_>B#F7@F
M/-MZ]#^>X4THD910P)JW*J(D/K+V24S)?E4GEL(/FR=7:\%0WO!1;1T"T>GG
MTS\E^I//Z.FH(%S5\<$Q+7..5'8C\.KJ<16^ZW)A8A8NL&NNLXN4QW8\%+`D
M-0'C\5*;\MH-.@$?^3]Z:+R#Z:/3'S_Q17,5F*^D/*',.O<?KF8L>MIN-N28
MF.8O428\$(:;<AUV2XS45"XR%!"HMNM13L;4>@XK\BD-S&F<DQIE2J^WCMRW
M0MT;VMZCNCO2%>6TW)KGUD;B--R=5DH.WH!B#>HF-MMA27'2M*?)*%K0^/#X
M52%-H<<*4G1&HW*3[O;W0`__T^/&MKFZUAB%&=?ARF$N(F/.E8\^1).V4XX0
ME3T=QQ&Y:VU;V^^AVH`3T&T<+:B79D%*6W5.*2]$2EF-(;*4Q]F@3(A+V!.H
M#:6]%#0GOIT#D_P[;JKH?6[Z5OUJ:Z547G->"X3D<2ZKVI53.QCD&ZC89D+%
MM7RW),6PJYM+DLE+S+R2TM"=I203T'JW<()DU.,UV/S)9FFJCLL1)CBM79=9
ML"8CCVJUK7):;&QU9/UBT^9HD.)2`8ME"T`J21N4D!.J0K;W!\#N)_X]`N?J
MB]2.-^F_CP9%D$FK5>9'8MXQ@]/83&H,>TNY:%*7+L'GE-B'CF/0DKG64E2F
MVV8S6W>EQQH*"M;C#UDYC`SJ,O*+:;D%=D0AIF5CEE$F1S7HE,0VK&DJ834.
M'6@"?O$F$RW'E$`.H6H-A(.ISIQCQGZTO2SGW'UJQ'RSC/GSB>9%@N+2XRF7
M"R6G198Y:M(>;2_!GU\UR+*:"T!V/)93N2%H(Z#RD\DPC*N&<_Y(X"Y-813Y
M/QOE]_B-M%*5IB_KF@DMU[DJ(`V@/Q;IE3<B+(/:4TZEW4[M2$26<)^ODEN&
MVVW%(1YSCX2II0+J4I7*<5HIF,5J&U(4-AV?26`HA__4Y#)?X>/H_25]M]]^
M[-?8?L3^X_M:]!JXOV-C]\^[R/PWQ^V3]X_P/ZO]C;T$S^G3]_\`PI]X_>?Q
ME^!_B_XWC_W']I_)_C=!Z\'&_P!UH/MOPX?1_P#3L_>O\M_6_P`7R^@8IGZ+
M?T_H^WP^B?#YOYN@I/\`XQOX-P+^$_OQX1_-?W;\W9#^3?\`YO\`]G[^@4VY
M_!L._=S^<\5_=;X??6?SK^SO^1_;/PO06E^@'_ZLX?\`?_Q7./MOP?\`-=M^
M3_\`MC^Z_P`QY_0>?M_'<_\`U&YG_*/X=Q/^7/OO[KL0_-G[?_\`:_@N@J6O
7_NH^Q^WD_8?8_2F?:?V?[K_+[>@__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>35
<FILENAME>g655868dabarno.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868dabarno.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0U@4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````>P```&P````'`&0`80!B
M`&$`<@!N`&\````!``````````````````````````$``````````````&P`
M``![`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````*P@````$```!B````
M<````2@``(&````*I@`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`,1K45K$F-1F,24Q#%,5HK:UB]>ZQ;CV'IV"=N1'Z>X?F3KZ;#^_
M_I'_`)B2FSG=5Z?@.].Y^^X<TU^YP_K_`)M:I?\`.C"U_5[O+5JYX,$F-?WB
M?'S*<M:-&D%WPG_HI*=9_P!9\DF68]36?NN))_SE9P_K'AWN%>2PXS^-T[F3
M\?I,7-N@'DD^*0;NU'TO#Q24]P6@@$00=01J"/$$(3V+%Z%U-U3_`+-:?T!X
MG\PG\YO\C]]=`]D%)32>U`>%<L:J]C4E-?;^5)2A))3_`/_0SF,5FNM1J8K=
M=:2FCU;.;TSI[\J`;3[*&G@O(T/_`%OZ:Y%V+8VK=8Z;;??>\\ZZ_P#5+7^N
M5X^UXV.?H4#>X>+G^_;_`-ML9_GK"?GOM=[N)D_'_P`Q24JVL5L\R):WP0FU
M6%A#!YD^"M,<RP0>3_#Q6ET?ZN9W5+/T1V8H/Z2_S_=K_>?_`-0DIPJ\.^VS
MTZF&RP_FM$F?DM7#^J_4RX66M%8[M=J8_LKT#IOU>QL&H5T,##W<=7'^N]7;
M.G,+=(GN4E/E>;TJ_I]OJ/:#0X^UW83V<?S5L]%ROM.(ZIQW68Y#9/)8?H3_
M`%/H+J<_I=3ZW,L`>U^A$:$%<-BTNZ/]9!A./Z*T^FTGNVS^:_\`!-B2G:L:
MJMC5?M9!*JVM24TX_*DB1^5))3__T8TL5VFJ2!XE!H9PKU8]-CK#IZ;2_P#S
M1N24^<_6JX69^_O98\_`-]E;?\U88,:GLMQT7]8:Q]+,@72P-L!(;N)<^QK6
M[?>U@]JAA=#=7UMM-@%N.QY+7:EI#3X_R?HN24VOJ]]7;LXB_,+J<4\,&C[!
M_P!\J_ZM>CX%5%-3**@UC6#:QC>!'99^#2-C;7&&R1/@/FD[J@ON9B=(HN?;
M82&.:0W<6@.=[;1]':[<W]])3N-;)UG13>T$2`LSI_5K/4&-E-`?]'=H8/T=
MKBU2ZOU=^(/1Q6"ZZWVUDF&@G3Z1A)2LT.`U^B?RKB>M8AR_K9@U-(;Z5;;W
MD]VL<;-H_K;=JW,'J5];!DY&.+:;7BMUKM3)+F_OO;^;^ZLSZPY0Z=UK&RMC
M9R&5UDCEK666&QM?\E['I*;5[.2J5K5JY%>IC4=BL^YNJ2FEM_*DB;?RI)*?
M_]*UCCA$ZI9Z'2<APY>T5`^!?I*;''"!]:G;>B;1S9:T#^R#8?\`J4E/$2*>
MN81X:^/D2(744XOIXU)=/JUN=N';W&=[?^,:N*ZZ\?:JF,/T*PX$'6?_`#%=
M/TSJV1;CX56=E57G*K)I:QH%C',+I9D6-_?K_2)*>HZ<YEM!I<`?(\>2M.QV
M$`.:"1P2`5E8!>""-1NC[EL/O+=0/>?HCS24TLREK8,;8U!`CR064U/N#;&B
MUO+-PF"K3FVD.-KC8[P&@'\F$]WI>E66[F.U)[:1_P!4DI0Q*1)%8)/8\+AO
MK]:3U;%8UVM=,@>!+G^Y=I7E6[7T6NW.:):^.0O/?KA83UM\ZEC*I^Z4E/9,
M+;<2BUFK7U,(/]D*ED-@J?U?O%_1JV\G')J^7\Y7_P!%RED#E)3G[?RI*?\`
M>DDI_].YC.X6?]=;=G2\4_\`#$?]!RM8UG"!]9NFYG5>E,JP0+,FBSU&U$@;
MVEIK>&.=#=[=VY)3YODVONN=:9,`-!\@AX]]F-?5>PD.J>'@?-/EXV9B6FO)
MJLQ[)U:]I8?Q07`[`3J7<$^22GUCH=[;JAMXD.;\'?\`D5J9U5IH+\1PKR7M
MECGZM!'^#=^[O6%T[;7@XF;5HU];18!\.?ZRVC<+`&2`29![:]DE-*KJ&(#L
MS[.IX5X'N(#+6;O"LAON;^X]5>K]0JNQ74]..?EYSV[:;;P*:6.)]UOIU>Y^
MUJVG69(:&;`^(#21(4,JS*@-L8`(@$!)2'"Q7C%K;;9ZU[&AAM/)<?IN_!>;
M=<N_:'7,M]6K/4].OPAD5_P7;?6'K`Z=T[T:G1E9<U8X;JZ3I98&_2_1M^C_
M`,*N+QNA]5ML^SX^+96.'66-=6&CAVY]K6[?_/B2GHOJMIAY1:Z6"QK8_E;?
M_(JUDOY2P\.KIF`S#K.XMEUC_P!YY^D[^K^XJ^19J4E(]P_%)`W_`)4DE/\`
M_]0./:20!J3V4\GZQ=+Z<TG)O!L'%-7OL)_JM]K/[:X;.ZYFY,UUN-%!TV,,
M.</^$L_[ZLYL<<)*>BZY]>.K]4JLPZ''#P+`6/I:07V-_P"'NC=M_P""K_1_
MUUSCFDMTY'`_N4@-4Z2GU+H-%=_0L8UZBVH.G^5^=_TDYQ;V0!.TZ#_R*K?4
MAP_9E>.+66RQM[6L).S>7-?2_P#EM<SW?UUTHK%GM.CAKJDISL9G5(.PAS1V
M=_!#RK<UXV.&W\BVP-C3(CR6?G'0F(\/BDI\PZ[E9M/UAMN;997;C6`XMO#F
MM;K6^K^3^<K='UZZNT!F<UF8WNZ/3L^^O]%_X$G^M^$YM@RPP#T[#3:[67"P
M&W&<=SW?Z/(J]E=;*_T:YPB4E/7L^LW3<H`.<['>?S;1I_VXV6J5M@<W>TAS
M#PYID?YS5QT*5=EE1FISJS_),)*>EW_E27/_`&[,_P!,_P"]))3_`/_5\SA+
M;]Z=()*6'*=,.25))3WGU!Z@<C`LP'[G/Z<YUM5;6C::+_=E&Q_T_P!&^O<N
MS+VO.YKAOY'FO)/JQU&WIW7,6YC/698[TKJ-/TC'^UU0WEOO=_@O?]->AT95
M3RXT6%U>YS6EP+'M+3M=3?2[WTWTN_1VU/\`^H24[)NM;N:>.1*J9`)=ZEAT
M!F$-]SWL:YA^!X,><H1N<_2PGP24U.H=,IZEB9N+9.VZDVM<TM!:^ES;*WM]
M2RFO=M]6O^VO+7->QQ8\%KVDM>TZ$.&CFG^JY>MX]SJ\S%>T%SVW,#0UK7..
M\^BYM;;?T6]S+'?37EO5*Q5U3,K$^R]XUYY/TOY22FJG22"2E))))*?_V3A"
M24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H
M`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`
M,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`
MA``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1
M"`![`&P#`1$``A$!`Q$!_]T`!``._\0`@@```@,``P$!`0``````````!P@&
M"0H#!`4!`@L!`0`````````````````````0``$#`P($`P4%!`D#!0````$"
M`P01!082!P`A,1-!%`A182(5"7&!,B,6D:$D%_"QP?%"4C,T)>%B)M&#52<8
M$0$`````````````````````_]H`#`,!``(1`Q$`/P"K&W6\J`)%>?\`53^K
M@)O"M?)(T=![N=/'E7@);%M2B!\(K[*<OW>RGV<!(8]I.FND']A`I3GX]2.`
MY;T[9,6L]PR');I;;!8K7',BY7B\S(UMML%@4'<E3);C+#04M02FJJK40!4D
M#@$KR3Z@GIJL-PD6V!<<JRU49]<=R=C>.ZK8XMHE*E1Y=YF6A4ADJ'PN)06U
MCFE120>`'&8?4HVHM]K:5A>%Y;?[P^%ZHM[3`L,"(=*2A3LN+)O+DBI)^%*4
M\@?B'+@`JQ]3/((TM#E^VIL4BUJ*%.(M&0SF+DS&U5<5_&0I<=USM5(_`*]:
M#@'2V=]46SN^GEX6-W5VS9)(;UHQG(T-0;B^XA`4\W;GTNO0;FIKKH:<[I2"
MKMA()`'&=;#0C1R\?;S\/L-.`@=SM9&HA/+[.0]M.5!UX`=W6WT"^0/+G^VI
MH>M!7@!C=HFA2@1UK[![13KR(X"#^6/G.GC2M.5-5*_;3QX#_]"NBUP*I`T\
MJ].A'3QKS/W<!/K;:RK0--*_N/+V>'`$&WV)2])*"D5ZZ>9`K2GLJ!RX".[N
M[B85L)M[=]Q<[E&-;+:A,>#":+9N-^O$EMPP++:67%(#TZ66E'F=+32%NK(0
MA1`9Q_4%Z@]S_4G>!>\OEN6;#(DEZ1B6$PGG6+#;8]'$(F/%0:^;71304A<U
MX=UPE:60TU5"0!L&P*E-:@!%C)0!K5J4XZI2%K0B-'90%DK`J.:C7F:BI`>;
M=(;L119CMQXQ;02X^XH/S44+>L]IM;C<)9H"*!+E*@J(-.`AG>;2Z6^\M\5H
MHD%%2?<"5?U?9P'H0DR+',C7.*O0PAU+OY:W`N,Z-1U(6V0MI"R!4TY&O`7B
M^CGU,RMT(+>"9R^X_D<1A*+#D,I2''+VAA/.VSY+;:$O7-IE.I#JP%O`$+)<
M(*P=.YV[\?+]O(5/.GOYBO`"^]6^@5R]M`*^TU'[>`%%[AA.LTY@5'@/9TZ<
MN`'?9_C.@ZT^_K3KTK]W`?_12.TVP'1\)IX_Y>@Z\N?,_LX`K6.QI64$HJ"!
M33]@Z>P<_?P!7MMC;T!:DI2`DJ4M?PA(`J25<@E*1S->`SW^KW=I_P!5>[$^
MV8\_)>V6V@=DP;3Y=+S<;)[PXD&[7YQ:2D%,TQD,QBK0IN$=0[;CB^`2Z7BT
M^YS3+7$1I*:6Z"X`S#B6YC4AJ2^TVA2$,M!M("-.E9HG220`$!OD60W<404R
M@\$D%XH*F6E)=J0!1U;RV"*GD:*'0J557`1V^LRI6B!;67$Q$:6RM,<MA]X$
MDB.PT-;@%:!1U+5S)4:<!%H]CFJ<3Y:(_+?4L)0AI"EI"UD:!\!(6MP'D$]?
M#E3@&GVM],^Y^7PKDW*PC(X\"5;I"F+D[:Y'83)2TE<<DOZ2ADJ(!*020?8#
MP$<PF)E.U^4.-S$7O%[O;I+;Q6E+C:HTR(Z%PIRVU$.("'Z%"TD?:H*(X"^G
M9+<1C>#;*V9.X&D7V&M=DRB*T4Z&+[!:96X\TD&J8]SB/LRVO`)>T@DI/`>O
M>[;\*Z)Y_%X#V\`';[!IW`4\Q6G(>_PIRIP`L\G_`,CIIX]?O]GL_OX#_])9
ML>M)6453TTUJ#SY#@#IC]DJEOX>I`'+G3F>M.O`!#UU9P[M%Z6\_N<&4(-\R
MJ(W@UFD)!+C"LC0\W>9+904N-N1,:8FN(<3S;="5#IP&=C#<[QW"=OX%ME-A
M5RGMNWZ],@),GS=U<$Z%:6]200\RP^VP===)10A02K2'2B7Y=];D*,AI,FZ*
M2W(>8;2H]M;A;$>W]Q20TR@J[27"/RTZU)HJJ^`BEXPTQ;@N;%9#E9#G<E56
MZIID:DO_`!.@J=D2%)TJ).H\P5#XJ@W?IK](&YGJGN08QZP?IK`XCP@W;+YM
MND",4L%`<M5E94E+UWG+4-3NI26DDCN%?QI6&B;T^_3`VBVOB0VVL&8R'('(
MPUY!D4&+.GHD%'YJV0M@1(*.X4U[8"EBNK434`S=_P#3#&M,<P(UB9=2I+;8
M,.&VFC:>V0TEPH0VA#CC*0H`A)2*4%:@*MO61Z"H>X^.2[I9K>+#F5LC2W;#
M>H<)MA]+[(+@BS&V%%,F&\DE#C904*!'0Z3P%07H(SS(,%WRRG9#,$JA2LC%
MRM;T!U*0F+DN*LRKE#<0X[^:F,Y`5)::2D#NF2@FH;10+9<@MW;[@4CH%4'C
M7V=!P`2R*%S51-.OA_<3P`E\D/F?X?N\>M>E*4KP'__3'.,V@*+7P5Y)ITZ\
MA7P\>`87&K$"&_A'1)Y"GO\`?P%2OUB;^IC#[%B<=YI$7&L8NF6W9"Q1!E9`
M^+!;&5+*5#S"H$*9VN54]PD$&G`9D9M[DNR-3KJU/+2AQPE=-3SC6IUQ=:'6
MCND>(JK@)CC^4O6_RY0ZMEY1&AQ*B/+-!'96YI!31/8<4D`%)^*@(&H*"^_Z
M=_H:R_U!76S9EN?:;GC&T;;<>5`AS6UQK_FRE%*FO+)6E#]GL<A7Q%SDZ^VG
M2WI)2^T&N/;C:G!-OL=M%DQG$[/8;/:X[3%M@6R(F+&B1X[0;;0D(+A4HH`J
MJI)54DDDD@;+1:UNJ6VF*PVA0)0M2J+0$UHE+CH6OH"/?P'3O\5UMM(DI1_I
M&BA1?PU2*!:4T!\"*>VIX!*]VXMME+4ORY4^EQQ;BE-A*%5<2"KD-5:#K0B@
MH0>8X#(9ZPL+.WOU.=I)&&(<9G9CE^V%UEQX+(64*N.5,62=J9:"E+8D6N,X
M7U&E&01R":\!;5E-J*2X='^<GER\#]X)'``');?_`*GP"OQ>'NY_;TX`.^3_
M`.2KI/LIX::UIP'_U.YB-HKV_A'.@'(^[[P`.`9+&+%4-_`*BG0=1]W`9R_K
M$7"?DFYF2;;8SVI-TR2\;;XG$#KH8:$EAFSN*CNN_B:8;N"Y862%`!9(Z\PH
M1W2VWR?:/*$8QE*;7/ER(;$ZW7?%[O"R7&[U#<JR)=IO$-88DM(DLK;6DI"V
MW$%*T@BG`7+_`$X?078,OAX[O'NU"7<UR9+=RQ#$'VFG[>A,1Y98N-]BRHLA
MJ>ZI;(4U'4GMMIHI04HIT!K%VAP_(VK=`1C5F?F.L)C)DLF*\['BQ5`]I*B5
M1FI$[MD+*2]1MM)2&CR5P#%P=W,3M=SCX5E$Z]6R[AQ;3GS3&KI9XK);TGLM
MSGXZ(4E"QR06W'-5*"O`,_;(<15O:DPK@)C*EH`<CKU401W5*&M.L)`^SGRX
M`9;Q[CX+MEA<G*<KND2/%#J([#:YD-$J1*=44H98;E2(VIQ2N9`430<@3RX!
M*;7?4;[V^5?<9.-6A$-M])B2<QMET?G,J#:VGI,.V,S!#;&DIH^W4*"B@JTZ
M@%$NY6!QH7U/Y>XN4/6)FT8YMGMWB-DA7-4=ZXO9/N-/SNR6VXX^'6U@BW*L
M<EMV0@I6E$F@)2I0X!O<QLM`[1-!\?,T'OZ#[.`6#*+>$%P%/@H4Z4-.O,5'
M,<`%/(_\O3EUK]VJM/;TY<!__]4IX9;4J#0]NGPK4"A%/8:#@&JPZRH<#54Z
M4U&LD4H`/;["/W<!C@^H[D0S+<_+\L(TLW'-\E=MQ2AQ)<EKF3TQ&&5FBNY'
MDST-(55)':"A[`!_R_TLX/O?@^`8[;(5OAW#;S;*/=V,A,`O7&YNW)Z$N)8I
M2(*VF/*N,)D/-3"5++[;2%$H<7P%Q?HPPJR6*V8%C24-B!:[.(Z5+9+3S[@T
MLA:D]UX-N)U!*D@F@4:4//@'?W.M&]4MLX/MKDT;`;.^U-5*G'S+\BZM.I:[
M46)(@N-3+/$+7>[Q0KOE:6U#4V'6W`".*^FARVX;>9>32<[ON[/ZIN4BWW25
MF>,-X)&PUV]WF=:;>_'@X1$R*5?[599,*$Y(\PVW,<B+DD,]_LM@;]E-ZLFV
M=9N^-Y.IR[I3#9^7#MB0VS*E(?>?;8=95V'H\%4<I#BFVM6H`H23I`)OOE@>
MX?J&SJYWD1KW<;$W;I\C'Y#=^:M5OL5ZFSF&(SKEM%@R!YYN#:V7JK`9<6ZZ
M"$AM*TN!Z6">G[*\6>V\NV*2,J@WRQRPWFKMXNL61;+O;5P+?"E)B28&+8TZ
MI$QYF5(<0\CM]N0AE"`XT)2PIY^K_D[6`^J796/C\UNW7>#CF)WVZ/-%U;D6
M+8LES679'G&DK:#P8<<DK%55UH0`14U"W"1V\FQ7'\E0TE#>0X]:+ZVE!JE*
M;O;(UP2A!JL:4B0`*$\O'@%FS.UZ%.?#05/@`2`.5!_=P`$\BGYQ32/Z+]E*
M\!__UF`P:*DAJ@IT(Y&O^&@/*O*G`'+<"Y2,6V.W3R.&XJ--M&WF62H,ANNM
MB?\`)9C4%]!30A34M:%#V4X#&!ZSI<:];7SK_`6NOZQNEQ:><YO,>:EP9C)"
M@*.'S*P$D^X"H%>`N,^G%<K%NYL_;LWQ&1%N=S8PF+@>;X^V\EZ5;7;0RXB&
MXY%*_-Q[A:G^VKN+2AN5"<+J`=0T`W6W]Y5CV21';>[1MN6I2614!<1^6M>D
M`*11*$.5Y4%4CKP%L&'R(.4V>-=6RHRHL9IEYW2DAQ25'JA2B$*!K6H!YBOA
M4/7G6*(B%,N5RE0X4="5'S<QN.D)2GFI94="--$=>M3P"EWN!(D9"46],.ZM
MN=]A:FORR6BA+8#;192&T`#KX<Z<!Z>#QD8I/GV^[S;?;(KCS3K(EO+0G5,"
M2RUK![25%0HD*/Q%5*U'`'2[PXL&UB?(F,"W+0>V8+J%-R374DJ4`4J11)K0
MT/M]H8MOK'YI#ROUFMQHZ08>,8IA=@>6!H+DF8J[WUR*T*$=H6^]ME9->9'N
MX"^3TYY&C<7TP[-Y35DO/81;K3+2V"-$S&R[CCZ5((JA95:]1'AJ%*BAX"%9
MW;$I+U$CE4^`K4<Z<`M_DA\W_#SZ:?OZ].`__]=E,!H2P!6@T^RM"0!2G3EP
M$C]6M_;Q7TA;SW)2BVJ1BT6RMJ!H2;]>[59W4IH>9\M,6?L'`8LO6#DC$?:/
M%L8A+!<>SZ=%>+12/,PX=PNX9*N>O3VHR%BHZD<AP`T](.YFSNVL/=VZ[CSL
MI@9W"L>.WS9LV&^3K%:W,ILMV-QENWUZ).BM2DQX\=#33"FUJ>1*>2%(3K"P
MTP^F7<V#O_B&V.?6R(F"YE]DAWJ7:F9`E(M=R6P6YMI1*T,F2FUW1#D=*RVV
M5A`44IK3@+C-I8MUQ['IZY#Q:A_$IY16L_"5!0<("/@"0!44_%[*<!W[K#=S
MUKS$XR'+)$>0[`MSCO85)6Q\3<EUH:5H0HD%.H`^ZO0.>!8+U%N%K-FBP'V8
M"ZR$.+B-21".@/%3R^VT^ZV@GF:#H30<`.=Z,GL$C(';/DS5D85)A0;3Y#SM
MOCKE,(:I&<2DEIY<D-*K5L*.H`@U`/`0"RS[]%LU^PZXA^4S;$MW"T275.$O
M620XXVRIU:0AKSC"VBVL$`*-%U.J@#&I]36<^[ZOMV4!>M5HN.)162%DKK'P
M[%T.E0/Q)T/R2FG/F#6G`7@?2XSUS(]A\KPZ0M)_2E[MEX@I6H=U,7++.E]]
MA"0>3461;-0`Y!3]?\7`,UG^@=XUZ:B/<=)'/IRX!7^XCYYT'6E/?7[*4X#_
MT&`V_N#?Y!U%2OAJ*UKR30<P*TX"+?44O'D_0QNQ+;2%KCKPDI;KIU][-\?B
M*1R'XR'Z#_N(X#"INQD=RRW(V8+[R5"W.ORVX[\IMK5*?"FDI0'E-A)2%FA/
M.IZ=>`"%QA36GG/.-)CHTENKJD!1.K4>04K30$^/V5/`7W_1_P!X+E!L,G%Y
M7=7"P_,T3+4ZXI0CM1+MID38+A`4EHEUM;K=2`25<!LDV?>M%RA,1)WEY-KN
MT=R&^L#4:KCH3&5HH1W'EEY0H1^`>)X!3M\-L\ZN.?6W</!,?QS=(6V,Y;\J
MV*SE^4<?R"-YAHB\8I<$K+>/Y%'0U0J*%QWVR26]:02'@V7<C;1*(L/*_IG9
M/;,WM4YF8\SMYNAD]ALLR'&:B,AKLQC!DL-RY;+I6`RY\*ZZR:D`G?J)V]S[
MU1YI@N&V?TU8QZ1]G\5W&;SC,5V%4:Z9SF#$&,Y&@8_>\TF66VY!+C-)DK?*
M4/.I=D%LJ`#?,+-KBQC&*;7R[O<I,:SVJR6MZZ72Z2W.RBW6#'(#:]4J:\NB
M(<5DK<<4I5:(6H^)`8%=RLIE^HS?C<_<@NB/'S?-[W?(;DI)2F+9W;PLVP.]
MPU0S;+%;TJ<K72VR2`=-.`O+^EH+6[:-W[Y:9+KEOM2<7Q]IQ("(<Y^9#=7)
MD-U42XY&1CS0)(`!=53\1X!SMPKPV3(&JI56E:?%2O/J:\SP"P_-$?._^@]M
M*]>O`?_1F&`7U*5L@K":Z>>K[.E*\J<`0_43MA<?4=Z:-S]G;!=H-GR?*;%&
M?Q2==7'6K4C)[#=(&06)B[O1V)4AFU3[C:VX\EQMIU;3+JEI0M20DAAV]2_H
MS]7&PV2SX^[FQN>XZVT'%C)K98I61X-/8/YH<MN;8PF[8K+"`X"M#<SNLU`=
M0E0IP"@6QEQ?G)!0MU-OA+E/)4G6`%/MQDU37F`Y(3SJ1T\>`T!_0SCV;*KG
MO7A%YCQBN\0K//A=]*4A3D5$IAQN(M=&P\VO0Z.8.MM-`0#0--NS>9W'&6[Q
MB%TEM-W#'RPB,[)2E7=C1I*!&?;4L**$AIM0>(&I24E(Y*-`/=JF/W^X2;Y8
M)J$3*ZC`)3W(Y*>\6P!U#@/P*(JJO+IP$GAS]U[A=V6XC2HPCLB0526VNVK5
MJ"5=U[J0HT`-#0\QSX`29Y/S%5Y+&5I+"V72Z\%-Z$5<J4*3R*5!0((IUX"G
M7ZHWJD7*Q['/1WML]<[_`+G[RM!NX8SB,5V]9#'PQAT.FULVJUI?FNW3-),9
M;;3*6G2J!&E=Q(2XA1"DW`_0/ZJ<\OC>)P=JLKPG&Y#J$7:]YCCU^P:VQK:X
M^RB>)EUR.S6CS#326=3D."A]]T-C0A1Y$+\-H=H<7],FT5IVNQEY$ER,[(NN
M0WA(<2;YD4]IA$V>$.K6IJ.TQ$9CQT5JEAA%?C*B0%&<WXNK=HY5-#3F"1UZ
M#V>/`+I\Y_YO7K]VGQIKIJ_;P'__TA=A>6!LM_F`$:1^/P)`Y5KRH.`-]Y]3
M>U6RU@3D>Z>X>-X3:FVEN-.7RY-,2YY90IU;%FM+1>NU[F:&R0Q#8?>53X4$
M\!3[ZN/KY9]<8DW`/1I&DX2PLJC3MY<IM$.5E$B,4%+OZ*Q>Z-S;98DO!13Y
MVX-2)82=33,9T)<`9W[]>[]F^1Y+E>97^[W[)\TNETON69'=ICUPN^07J[SE
M7:X7&[S75*D39-PNWYSSBU*4IPZN9X"]7Z"-IMMRWCW&LMS4V;A:K)!O5H80
MX0E^._)<MEP=8(4`OR*U1P.1(\T2.O,-+^Z.T=T5?F;_`(^AR.[.84XTZTOX
M5OI1K>@O'JMN6A-:$<RFJ>8Y`+K-:-QH,E;]L5*8G1E=D%1<#D=:%BC3BDJ1
M53;@!`(H5<P*\`SMHNGJ&LEEBSKE9K==(P9J)B1*8E+!2*=U"'5_$D"O*B2:
MF@X!>=S<BS_*5ONW-]RV1XB5N2WDI)+:&FW%E$="JA<@I31*C4()K[B&(67Z
MA=Y<2W_O6]N+9SD.-[MVK)<B$;+T*CNWR&B4)MFE6U_ST60Q(@FU/KB*CNMK
M95'/;*-%$\!8AMU];??ZW=BT[WXIBFY\#7_$9#9(Z<(RY3:@4E3C5N;=Q.86
MR`4MMV^%7GJ6>H!M;']1[T[[JQV659/,P6\26DK<M><0UVN.TL<EMC((ZI>/
M%(*N1<DM*4.83R-`]'),HB7*,F9`FQYT*2T'H\V%)9EQ)#2JT6Q)8<6VZVH=
M%))!]O``GYQ_S7XSUZ_^[733KJIP'__3S)[S?44SB:95AV9*L0M25.L+RR4P
MQ*R6X-4<:+ENCRVGH=A8=;55*M+DM)`4E;2JIX"NB\93?<NN\R]9/>;KD5]G
MN=V=>+]<)=VNLQT@)UR9TYY^6^K2*?&LT'+IP'FF.`ZRY4'XE)K0]"VL@D?:
M.`[>@"G*@^RE?_4<!;-]'Y[+;;ZFI&4XJRI^)@>-1<FSD>>1&0S@%VS#%]O;
MJ\J,Y03PWD><6AS0E06GMZP%!)'`;KX,>+(@0W7PTY%?9;=;6HA26@XA*@I"
MEE5*5)!'ARX"2VS!84*:[<DP6W85Q0VM+H2`@/IIH424_`HIJ*&@53J:5`3Z
M[F+&M9B.QU]HLC0FE6*::I*"@CH#S\?V\!73O:PV[&FMQF4]Z8XMEMH`+HTI
M3I6[H;Y?FH0G2?\`*KG3@,2/U"=LI&(;Q6_/H]IOT6S[HVR>NX7*\W.]Y%YS
M<G!KB<9W`B+R.YX_8H<JYEH6NZNPXBIC<&->(R5/$K"0%?TB/W'$JJ13J*#X
MAX4)\4]/L^S@.5+.D#F305Z\^7/GX\!,\:SK,L."QB^4W^PM/.)<D1K9<YD:
M'*=0*)7+@MNB)+(`H.XA7+EP!*__`$?O!VM/ZH;\Q33YWY)8O-::4I7Y;V*^
M.K1JKX\!_]3#1VB!\0'/PH0.?[N`XUPBJCB%:74$4('(T\#[^7`<K2WRY'2X
M*%+J@:]%'LND=?LX#UN`>CZ;NY.#[8>L7:2[;F6&P9'@&22K]M[DEMRBXFT8
M\PK/\<NN+XUD-VNG<9%OBX7F=QMMZ[VMKM*MP5W$4UI#^A#M@DPK%<,-O]XM
MUXNV(RU8A/DVF;"N-B7-Q]Z5;W[C:YK+)?DM3S345NK31L!*4G65@0X5VNF.
M1IL5M*'VD,B1&6I7>;<;"PI;:J)T*HD<B$TI[.A#[=\R@SFVW$6ACOJ94-;@
MU-=QP#_295J"4'22:#3S\.?`*)D5L7-GKN%V;3V6XCK<9E2D_FRI0?"0@D%/
MP`*-173[>`HT^IGZ2K1N;Z6=QLQMS^-V3,]A<F&[\%ZY2<.LLF]X9D6+7&S9
MU"8N-S4G*[Q)#V`61J-;XBVH:Y<EG6EV0M@)#)<X%`E//^SE7V>//@/Q44`5
M2G*E.=?=X\!R!-.77Q_I^S@/O`?_U<.P`IS]E.`_2.O+^[VUYGGSX#@>%9,=
M((&D.O*`\0E/9'[WOW<!W4]!S_Z>[@.S'=>BO-R6%J:?CN(=9=;51;3S2DN-
MK0K_``K2M-1[QP&\;T5>J:9ZAO1WM-O?:'@WD.(0[?LQO#:8%LL3"+!D%E;6
M[8[Z_)L<S4]:LA8><1;TRX[$N,PTU&?4^XVF7+!]\+W5FRDML3"F3%,<ZE$%
M]8U52K0'&E-@*J"2FA!I44(H'F73<Q-KN*V5PFGV11;*E(+2D:TK*@IMM7:Y
M!7NY&M.`'>79'(R:.J3'*8Z8A!\NPI*>1"EK*=*@E52D5((5S//ER",8[<X\
MZ7EN&2HUUO=DW/VTSW'+AC4>]X[8;!>KWBUCD;@X:<UN.0H;[^*1Y&*S8LB!
M'>85/1<E-+5VBL*#^>UG5E&/9KEUB0&TM6;)KY;6`RE*&O*P[C(9B*90BY7I
MM++D5*%)`F2TA)%'G11Q010I"NH^_P`1[Z^W@/PTHD'J0#0'I4>SEP'/RZ_#
M^'I[^O2GW<!__];#R?#IT\/M/LY<!\1^(_V4KT\:^'`<2O\`>'\/^W%-5:_Z
MA_#X:?;7QIP'='W??7^[]O`=A'3[Q^'I6GC_`&>'3@+[/I54_35E['S'Y_\`
MJ6[?)_Y=Z_YB_IWS7_FG\VOF'_UG_P#E3R&G5\]_\J_6GE?TK_&:^`T;893S
M5N[OS_7YM[L>4U^7[OEY.KSWDOX?RWE]5/,_D][13\[M\!-LQIVW/]IJ\N=?
MG]6O5W#2M/R]'^?1\.JE?#@($Q7M2Z>8T=E7^UT]C5I_Q]S^(_#6M/@I7QT\
M!&+;Y?\`F1M?W/T-VOUXG7_-7YI_+G7^E<GI\S\M_%_-O_AM'Y?SSRM>`PB;
MRT_FWN=H[O;_`%G>>SYG7WNQWSV>_P!_^*\UVJ=[O_Q'=U=W\S5P`U/X5?\`
=2G0^WQX#XW^'_#X?AK3PZ^[@/U^RM?Z?]M.`_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>36
<FILENAME>g655868dabarno1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868dabarno1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0LJ4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````:@```%`````(`&0`80!B
M`&$`<@!N`&\`,0````$``````````````````````````0``````````````
M4````&H`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````B)`````0```%``
M``!J````\```8V````AM`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`QVL16L3L8CLK24B%:J9W4\+!.VYQ=9SZ;-7?/]U0Z[U5V$&X
MN-_2;!)=SM;_`.27*EI<XDG<XF7./<I*=_\`YSX_^@?]X51_UFRB9956UO@Z
M2?O#@LR&_F\^*"Z)\?-)3T6']8L>XAF2WT7?O#5O_DEJP'`.:00=01J%Q`;N
MX^D%L]#ZDZMWH6N_1'B>Q/=)3LO8@/:KKVJO8U)3_]"M76I95S,3%LR7_1K$
MQXGAK?[3D>JM9/UNM]/I[*08+SN=\&Z?]4Y)3SQ%F0'Y=[OTUY))/9JKOJ:U
MFFI[!`=EO=#>&C0#R'"/3<':'NDI"VES@0('C*-B='R\Q^S'87=B[L/FN@Z%
M]5G]1+<BTFO&F8X+_P"K_)7;8G2,7&K;56T-:.`$E/!XOU/OK(?=8)'(`D?B
MJ/4.C7=/<;1[JB=3S$_O+U-^)26Q$+,S^GTO86$2UVAE)3R?1\H96'M)E]1V
MGQC\PJQ8Q9?3J7=/^L%N!^8]KMH\H]5O_4K9M8DI_]&S36N7^NKR;/1:"YY#
M&-:-3J2__I;EV-%:X;ZTW.?U)UC'%NUX#7`_NC;(24\NYKFO+'@M>#!:1!GX
M+J_J[]6M[F9.<W<#JR@_E?\`^14<CHM5^4S)8?H;&V3K)`^EJNQZ=2TU%P$E
MO`24WL1U=30V`UHT\!\E?J&X;FP6]B%AW'J638QCB*L8F'!C0X@`.]T$L]V_
M9_84L:[(P;@TN+J9CW""1X[6E^U)3N6`;"7$`#4E95SFWR:9L`Y(!5;JV7DY
M9%6*7MK=H_9SW\V*I@T]0H;60]V[<197$-V^/TWI*<=N)ZGUHRKW@[:6-;6>
MQ<YC=W_0<KES(5'JN6<7ZT4UM=['[3:)[N'I?]2M;(K24__2UZSLJ<_]UI/W
M"5YOUNS?1ZO<6G4^2]$RK/2Z=D/\*G`?$C:O,NL7M=2RIO[\_(!)3UG2<C%R
MNG^K4]KB^-]<C<'`!I]OTEK=-OV/@\%><].ZPW`HV,I:;_5#Q>1+MD;'U?VF
MN>O0.F[;QO:=#!'P24[WI@@`<'54\H5DPQP<1R`BWO\`2K!>[;6!+GGL$!UV
M,QIU>QITW>F\#_.V[4E,6L-3P]_M:1JK)-?I>H'`M\E5S,^JO%]8N<^BH2^W
M8[8.WTXVJ%)WU%]9FFP![?FDIX;ZQ9,_61UC1_-EFW^RUKO^J78V[7L#V\/`
M</@=5P76GA_6[W,,[;=O^;[#_P!2NRZ3=ZW2J2[E@+#\N/\`HI*?_].WU%Q/
M2,N.?2<?N"\JR;`;CN,@=PO5Z+6ENUT%I$$'@@KE_K#]7?JIB#U[<BS#>_Z.
M/5%A)\65/][6_P!:WTTE/$Z'Z/XKT'ZJ66LP<>RS5CV[0?@N`+0`X-DB="=-
M/->A?5*EUO06MY:"2T]^4E/4VO8_'V.`<W4$'N#V5*K$R<83A=0MH9VJ<=S1
M/[NZ?%!9EO8`'#4:'S5IF3AVF'RQWAV24U>H].MS`T9V<_*J$'TC`;H?;[1[
M5/J&=3T[IEE[Q_-M]K?%WT:VHV7;B-&ZLZ^6H7$];ZW3E]49B93GU]/QW$6^
MF`7EX!$^[V^WZ*2G!83O-M@WVO)='BXF97;]-KLQNF4UVC;807.'AN,@?YJI
M]+QOJP;/6P[OM%PX;;`<#_Q1;7N5_)M24__4X[*^MG4+)9C1CL.@(U?_`)SO
M:L6Q]EMALM<7O=JYSB22?ZQ48/9.#PDI0$+T'Z@9&[`=C$?0<7-^!/\`Y)>?
MKM_J!DM=1;3+C;CO]3;IM%5@;6]W[W\\VI)3U[\*M^H'!E'IPL=H,M!GQ1!+
M2'MU\84C;7!!!'P24YF9CU5DEHX7F/U@Q31U*QX$-O)>.?I;BUXW.:W^O[?]
M(O4\H"QT`0WN5R?UJZ2;^GW74LFW'L]=Q@2:RTLN]VW\W95_A$E/"$&5;Q^J
M9^/HRUQ;^Z_W#_I*JDDI_]7S1,>0G3=_DDI=:GU;ZD.F]7HR'C=43LL&GT7:
M?G?NN_\`.V++4ZOYUG/TAQSS^:DI]>9E.K?M#P]GYCQ!#FGZ+P6[OI(UF3H'
M1\5@]-YO^C_/N_F?YKAO\S_Z._[L^LM2K^9;_#CY)*9V7^JV!H@?HWBRJT!S
M;JGUD.VAI,>HP.]4.;M<^M(\_P!R?%_IU/T>7?2X_F[.4E/DSV[7N;^Z2/N,
M>:BB7_SUG/TCSSRH)*?_V0`X0DE-!"$``````%4````!`0````\`00!D`&\`
M8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O
M`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`
M_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!
M`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#_\``$0@`:@!0`P$1``(1`0,1`?_=``0`"O_$`'\`
M``("`@,!``````````````@*!PD$!@,%"P$!`0`````````````````````0
M``$$`0($!`(&"0(%!0````$"`P0%!A$'`"$2"#%!(A,4"5%A,C05-7&!0F(C
M,Q8V-Y%C\*'!X5-R)&169A$!`````````````````````/_:``P#`0`"$0,1
M`#\`KDKJH:)`2/\`@Z$'EP&[0J<GI](U\N7(#0:<O$@:<!M42B4>D!!YGQ\]
M`"?HY#4^/`#YOAW-[+=OSJ*K,KJ3996N.F4UA>+1F[?(@R\`6G)S:Y$2MIT/
MI4%-B7(9<=1JIM"P.`$P_,WV[*W"-J,M#8"BTIV\I6WED#T=3*65H;!\]'%:
M?7P$"W7S+-TGY:GJ3!=NZVL"^IJ%;Q\CM+!YLE6@,^%?UK"CT_M)CA/+]7`3
M9M!\Q#;_`#62S1;GT*\!N7'0PJY@N*LL64IQ2`RMU+A-K7MN$D$],E"?%2P-
M2D#W<BQ+&''G5\F+.@S6&Y,69#?:E19<=](6U(C2&%+9?8=004J2HI4.8/`:
M);5)'6>D^)U'^OZQP$675<1UC33[0U(Y_I.HY@C@/__0"VIJ"LI'0H\_H/@-
M.>GCY\!*55CG4&S[9.G@-#H.7F0!S'``IWT]TEIL?%K-IMJBA>[F60V;!^T2
MS&F-8;C;ZY3*9A;>]UIN[GJCJ4S[S2D,1DK>(U4T>`H-F0)$^SG3)<]ZWLY,
MI]^VNYKCS_QDV0X5R7WY<A8??>?D.$^HJ4L>M9TU`#D<B5R06X#JW92$)]V1
M[*'.A8&N@#GLPH[74G0*6I:]--$]0U(1K9K9:DK2CW)+NNCKZW5K4I7[>GI;
M&I/AR/\`UX#+BUR[$A4<'\1907DI2D:*:0`HMDA)!U`&@T4>7`67=CW<=-QV
MR1MWF-HPG#I[BA#$P-L.45I,=:"9K#Y"&?PUQS42$!20@K+NFJ5=86XVU8"A
M2TI2I*@"DI/4E0(U20H:@I4#J/$<!#][6Z%?I\M?/SY?1IRX#__1A''*%2BA
M70-1SY:G7F"#S'U_JX#NMSLPIMF-K,QW/OV@Y7XE3/ST1>H-KL;-U;4*GK&U
MDIZ%V=M)98ZN?3[G5H0#P"W<R)?;E0\BWDSVZ0YF^Y,V9;39\L!I,&A6$18;
M$9DG_P!M!:K8;2([03HVTE+:20!P$1W.-UL"K6N.VJ3(Z73%AE:U_"QP%E,J
M6RE2&O>>4HZJ4K34D)UT45!'59B5A/BS&F7HU>XH$2ERE#W&D/.H0W':`0&V
M799*>82"!K]2>`D3:KL^W9WJNOPG;?&I=VE+Y8DW`COBGB.@IZO?L%MJ82I.
MHYJZ5DGTHY>H+-MK/D_9WC<F/=9QET1N9'ZWWZ^IB/S(I!2A996_/9C%XJZN
M@Z-I!5X>/`"WW!]G.:=MEE,RR&DVF%O2752'FHQE*HVI2_Y5FA#?4Q%0%#^,
ME:O:*AJ--5D#P[/]T6=V=H6Z^98IGY%@DHX_+4\ZT9TFF2VE=!-D-MGJ7[<7
M6&72"751?<42IS4A+F0U7V_3Y<CI]1^@<!__TOF+X\5!`".9(/))U(!'Z?,<
M!7S\W/*48QL#0X+'?^'?R:Y7?6OM?:33T+0AQTK0?2OW+BY:?3U$#JAZ\]-.
M`7"LMUK>;[%=[C;5;%$6/'B#H6RW%A)2($/120%,P@`OI(T4X$D\]20E3$\Q
MC60^$F%)+S:5+]QUM33#+:_<<>>=?T!=*$!"5$Z#I.FI(2D+@>QKY6MQW./5
M>XN6RY^([2?$_$-1?9E5]UF_I"%-UKBP'(E*X"4JE@MJ="/;;`!*VP:'VG[2
M=L=JL<JL4QRJK:2K@MI9B1*N,VPS'2DZ!7M(24+=6LE2G%$K6I1*B>`F>[VD
MQ*3"0PJ.62V.DEH`.+]/6%K=*W'"I9&I.H^KR/``_OWL%AMQ2V%/-@,SJNR;
M>B24SE*>'P[[);6TM"U.)<2E:_23IKRUTX!6'MXQ"9VX]_F=]OJ%R%8]D5-D
M3=,PM"BVB"BN&;U3PZBHCX2+5O1DKUU(\?M'@++<FJN@K!&A`)\/I3R\->?`
M?__3F[$L?4?:]!\OV>6FJ?K\.`H:^=9:27;]K#*N',L\@E4V!XM3UE:PY-GN
MJG6=ED$EB+"CH<?=E6R;-MOI0"M891IX`<`N+9P[.INY51<0IE;=Q9BXLRGG
MQ)$.SBR@YJ8TF!(:;F,O!1&J%(!(T&G`,"_+R^6LW;S:'='N`K&;=J6$2*#;
M&4F1[;3P4RN)990VT\RU+6TA(*("E>PWU!;_`%*26T@VYM'.H\4A1*Q<2%4U
M<!E$-#KS\2JK&FT-(*?@%RG6G'6@/`>VWJ2>6@!(%7C$5%JVF=!=A6%>XDN,
M28TAN4UTI"5`I6V7$$=*2>7@#P'>WC;)J9,V=(BPH\1DR7Y*U(:;9"6CU../
M+#:$!+?/F1IT_JX`!<SLH&=B9*P=V9E#$0O-6$BLJ;9^/%>94-?;FF)\&^YJ
M!Z&RLJ`])&A(!>F#M,O)?F@;Y[AWD"<U7[=X?C>.87/Z`Q`F91?[>8U+MHQ4
M.A4B5!Q>]E*]O0I`?ZSH4I'`$OFE*6E.'HTT_=U\OI.GD.`__]0V,(H@X6@$
MDZ@`\CY=/,>&OCP"JOS2<SFWO<E;9%1V<ZJ<J<UB5M):PYBVI$=RAA?A46P@
M.CH+3[<):7&^CU-KUT.H!X#*W"[+<7S_`'/QO="DEZ#&3@5+F;L^3+G.7]C#
MK0LVK:9BI;Z0U&1$9=#SA();*#T!?2#(W;SB,!W&[&PBQ%2IE:4*B0T%#KKK
M#$=IEQ*PZ-5^^VLDC318.A.F@X#.R][N.W4OL>H[>57X+M"]</0+6-BN-8_E
M4ZCIHE->HA7":^;;8K.FWAR!%:AQIN2Y&;KG)*D)^(:;;D!L6W67;A;"Y>Q!
MD7%Q:;?)GJAH7=Q(M5,FPG"Z6YWX/6VN1QJD_#Q0'&U25J"W=`L\@`Z+NQW<
MW)WB<C8KM-8Y?28I;$1\A:P]A2[5TQF+"2#+>=LJ!<>LD.L1FG5-R.HI6H%M
M7I2L!^V0PS?_`&^J\4>BY1E+MHYD<R'FN*/U_P"'T'],266VD3HTE697\%R>
MPM1`*6F71[?N!SD&'0K$[I-UY>TGS/=N\<@6KII<A_I>;F\!<P_#2;#(<<9P
M9N1*92T[UV7X*J.I'5H%+2T/2E/4`L,SVB"0[Z2=?(I/AH3X`CQX#__5L0HG
M#2XQ>W:$!2Z:CM[9(*0.HUM>_-2.8\_9^OGP"3_>S?*N\)>RL*<>G0MT):TR
MI16I<A,-<5$9Y2^E)=1.$/W%#7D"4CD.`NH[3,]VMW6[?W,HQ;*L9LIN0L5C
MV28JY:06\IILIHX%136+@J)<M%PI:6WV?B$H8<:U]J0VKX=Q*UA83VYYN:2Z
M5"D.]4%_53S2ST]*G7?9`/4H=3;FGVN?-/C]`6,_T_$=:89C]"([[;<@AP,+
M0ELIZSJMU*UJ"1Y]6IX`>=SV:.:X]$H+.!:2(CI9DL1XJ'669+?6/;=DQDD*
M6V%Z:=7I4.?/4<!J%;3R<0NF,@MPBIKYD1[XM7L2'6A\.AMYYQ(8`4DAE84>
MD$@`<B.9":Y$R@7C8R&'<0YE2X#_`!:U:0B0XL!P>ZK0G0@>?B#P"6GS#]QE
M3/F1W.3P6&R,2M\!-6%CTOO4.,8Y=!QX#0%EBT"@A.OJ4D\`R1DPA7M)6WT'
MI7!NZFOMX2TZE+D2RAMS8RD*\PMEY)!\P>`__]8W]S[Y.+]NV\U[T_Q(^V69
M1F"D*ZDR[2BEU4-X=.JOX4F:A?+Z/+@$:^\'.H5IB&-XE7O-%8S:5/=9!45J
MAPZZ;%;>=`/2KW&VFU#SU5_J&F]N_>!6]O&#.T51MMBTO<)O=:ES&+NG,KC-
MR./AHI7L=O\``XCID,HB0+2IM;$J=*'5I7+!;+92KW`;\[<36;@L_C5;,96S
M*_#K"*XT.OWX3\>+(BNI"0G5AYMT*_7]7,+%<TMQB%`S)O;44N-,5\:1:Y3/
M=+$:%!<<0TAI)ZD>N0\XE"=>6BM!S(X"+[#,MN:*$^I<G*\;KGEF*JY?VSW&
M@5JEDO*67+*5B[%9+=]QEQ8`=*B$*YD`Z!K6[V_6+8UMB]F[MY?WNV^"UJK7
M(LZ:P#,FL/JD/KB0??E9$]7+I'I$@OM-_#MR%2.LA/M=1`X#5L0=5<XU*O,7
MD-2-OLLIJS):9YN.\Q%BNVA<2U%AQI:0ZS&L4QU.H!0V6RHZ`!2=`3"[T[QJ
M][U-TYU'*$YNJW0_!?=94DM]>--Q\<L(R%<@KVI5(XVHZZ*)('`,M=J69N9E
MVL;=29SA=GT4*9C$I;A45%%3+>_#>:U%0":>1&``.@`'AX`/_]<B>XJT<>[2
M.X)MA+KKK>TV8RDI:25.!$.I>E+=`3S"8[;)6HZ>E*2?+@//^W,R"/+RV2J?
M)?EQ6`\PR_&=05)<#RTNN-)4'&UG1(`]0U1IX#GP$5+^%D*=7`,EW[*BY-]I
MKIU/0D)0E:TD=*CRZO#SX!Q+Y55]DM'L;LYD^0/&5C^18VN@BV*WEK,=R%)=
MBL1)"2I2TO!F$MMES3D-$C3IY@P3E=M37NWRJ>SBPK:L=$N--@3F&7HUA27D
M=30KY<99<$B'T=;0!24KTUT]6G`#5B^U&Y&UL=N9L1W=;F[9XX/BD,X+;V']
M0XS11[&3*DRXM1%N6;&,VTF1/=4T%-%QM3A]>G`1=W$]NN4[WQJ6)O[W39MO
M9B$$U,E>`V*($/&WWZN<Y,K&'*F"PW6K3#DZ.A2VE+2X`004I(#9-_=],0[9
M^V3,,]N(["T8Q2K<HJ..@)%E>OI:J,3I6T-E(:8EV+[;14`?AVB7".E"N`1=
MI)CZ+FPR_*&/Z@S&]N)UVU!;+CC\R]M)DJ8_/E'H5[++$N>Y(6LD]:D)2.H*
M5H#2G;ACU]MEVS[>X]EL5%;E,Z!-R6[K^GH7`>R"?*LJ^%(;^TW-ATKL5E]"
MM5-/(4@DE.I#_]`EL)RF!-A/0)[,6?7SXC\"?!G,-284V'+8,>5$EQG@MF1%
MD,.*0XVI)2M*B""#P%$WS!/EV_*FV;C'</*MY=R>WRYR-+JJ7:+;ANKW4F7<
MQQR2\J?CV#Y&]'OZJJZDK2M^9>PJ9HH2RVXRLI;4"QDNKALQ+)JO7-D1_P`6
M0[#FS8S,1XU#"9<=E4^,Q*FMQI;_`+C2E-H==0E>J0M7)1!Q_P"4QB5CEG8;
M1UOMIG5\29>R:.>5=$Q#S4]$J1%0GK(*H4PNMA0!(4D@$!)X"P>DW5N*:/`A
MVD0?&P&DQI"5M=3-@V'![;J]%)4ZTZE)&GVFE@\CRZ@F^DW)V@RAU#5XY*HY
M[99=<9<#K4!\-'FV)7M)C]:@H\B0?,:>08>[>4[5P8C5ACKRW9#2&RIJ(OXJ
M*\KF&5(4E*B5H`YI022=!IJ1P"OW>MWN8;O!W/8SLWNS<9WAW;)M5D5O%W`&
MWM556F?W>;0:RRKV9T=FYFMU<6NJ+):(:#T/N1VS*?2RZZIIM`$UVN[:?+)F
M7K6:;*;A,[KYO">+L"EW1?JZ?(*F:6BDS8N!3<7PV1;/L>X5)EJCSX[;VBVG
M$N)2H`5^XV5%:G@'#J0?$_O*^O7GY\!__]%:_<[YL7<%DPGTVUCE9M10O(=C
ML3X$9B[S5R,XE33A<NK-MZMKG74$%*H<-I]A7-#^H"N`K+O[C(,KOIF193=7
M&27EN\J1:75_9S+BVL970`)$VRL'I$N4\4(TZG%J5IR\.`QVFRTKT'0*'2K4
M`@I/BD@@@CEY\`X+\@O<15KL/;;5S6$ES'+^ZOZ'^$X&W:6VG$38OO+`0ZZS
M=IDNJ".I*4R$@D'EP%Y-YLIC]RVN7&@H"V90D$);^PVZZ52(Z0E!_@+ZB1J.
M1Y<AP$JXALK@55$DJD54*8)*!J9C;9Z`IM)`;ZT)/N)\>`%_>#;S%<>>F3*V
M*TCX=DNA*-%A!47.@MH.NKCBP$@_IT\.`19^8!MBYM[W&Y9<,1W&:?<>PO\`
M+(_YW(8C7K636U3DU<JSMJ&DB2Y[DR*W:.,PES8\-BU8:^(<6%:`"3S;HD=2
M`0DZ*&ATT4DZ^/B#KSX`B<![G]]]NTMQJ?<&[G5*4I1^!9-)<R2H2V.8:C1K
M94ERM02.9B+CJ/F?$<!__])&!<1?);)Z7$\P#SZAX$'RX#*:=6M;"%(*2%J"
MN7CHTZ>7/STX#M.D>.@_X^K@&C_D$[CUD["L_P`*^.R&7E^TF;+SM%3U5*,7
M@[0[CUU)B>4VCP6INZF6E?N)54G0VT0VVU,</-2P`#6[(=K7(=U7*$CHCLIL
MFXX/LK+C:4ON1V7GWRAKW"2G52U]/I)*AS#8'\IHG(LZ*[&E0W0M!0(IZD.-
ME*'`H(42EE7J(*@!ISY<`*>Y\5K(K$Q&8[K%9\0RY(??65DQT1VW%:J)T5[K
MF@&@`!T`.NO`+T_-.[3'<][?=Q,TPC'H[^7[2Y_'WDMY3-7`18S=N9N)6V,[
MAN+M&L=19/,4XQW'Y/L.V[C2`RX6886MU_@%45@A6G@H']'A]9Y<!\/JT&NF
MG+0_2//3GKP'_]-'=(]6G_+ZOT?1IRX#C=`^(92.6B''2!Y](#0_Y.G_`$X#
M,&IT^DZ?Z\`=7RX^X^'VL]V^UVY5Y`;M,/F6#F'YM!<9J'PYC>4>W!<E^W>(
M37.LU5F(TM]DOP5RHS#D=$V"IT3&`><JMS[/'K==3!R&OR:F:92]BV35LJOL
M:C+<9EMAVBR*MGU4NSA3(EM7*0L>T\Z$**VU$J20`DG(MQBB+%LA""W'&VX\
MI"4^VAP:N)2IMUDC]W]GF#X@G3@(RR'._P"J83D*&VU!4`7%Z+ZEK4T4HT45
M%PI()/+30Z:\!%258W>0\QQ#*8M595&X>V.X&#6,*^E8)!HI\IB@5FE!7WDW
M<&FN:P5=GDV(,Q76&/9ES%2$-(?1KS#SW+J`:NYMZOK#OX7:V58IQ*XSH<57
MS7X:E!R)*GQ%I66"0II]]L_LN+&BB'4.`)'6.2@>7GKKY:?0=>`__]1'<?:'
MC^KP\?+Z^`XS][_9^ZI_3_-5]CZ_^W`9P\#X>?\`ZO#R^K@-CQC^Y,=_,?S^
ME_*OS;\PC_E?_P`[_P`'^[IP#HG;A]YW8_MC_-^6?XI_Q!^1XK_CW]__`.Q?
M_M?Q?@#UQC^T*S[M_+;^Z_<O/[C_`+7T_5KP&BN_>E^'@]]V\/V_YO[OT?[G
M`9^UG^;MO/[6^]9=_<GY+_B?/_S'_=_\/[VG`>?;FW]WYA][_N>Z^^_>OS%[
/^;^]]'`:J?$?I_Z'@/_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>37
<FILENAME>g655868fraser_new.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868fraser_new.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0S.4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!U````!@``````````````>P```&P````*`&8`<@!A
M`',`90!R`%\`;@!E`'<````!``````````````````````````$`````````
M`````&P```![`````````````````````````````````````````````#A"
M24T$$0```````0$`.$))3004```````$`````CA"24T$#``````**@````$`
M``!B````<````2@``(&````*#@`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N
M``Y!9&]B90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43
M$Q@1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-
M$`X.$!0.#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!
M!0$!`0$!`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$`
M`@,$!08'"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R
M!A21H;%"(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5
MXF7RLX3#TW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7
MI[?'U^?W$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q
M0B/!4M'P,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*S
MA,/3=>/S1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_
MV@`,`P$``A$#$0`_`.5:U%:U,T(S&I*6#$[H;IW\$5E;G':WGQ/`3MQF%N\D
MAI,;I(#C_(V_I+/["2D`;:^0QNH_>T`^]"L?D5D!SJM>S3)^Y'RF%K0&UZ1I
MZIY_E-IK^C_:>LIV/98XC33P;_WY)3=]9SM-)_>:="/%$:7D<%WP"J.J%6P2
M9/,:G^S)1VMO)EK34.P,<?-)24CL="H.8@69-C'AEGTCJWP</Y'\K_@U8I>+
M&2$E('M0'A7'MA5K6I*:T)*<?E224__0YRMJ+98RBIUUGT6"?B?!*MJJ=6DO
MHJF&ZO/Q^BW_`#4E-G#>[((#M-VL=@#_`-4YWT6M6X*`T>XZB!(U?_59^[_6
M^@J/2>FW-#2(#SK+N&`_G/\`Y:V:\?%8XM8XWV'EQ,B>/HI*<Z[!I96;<CAV
MK63H3XN=_A'*F,87:-;[.P`X6ME85@)=`+CR7'<5/#QG;=H$DZ%)3EMZ8^MP
M>QP!\(G\'*U=@BRB2S:XC0CZ)C_J5M,P'ENYSM1^:4!SO3!$:]VG@_Z_OI*>
M)SZBZ:;=.['<!I5*C.=237:()G:[S_U^DNDZKC5V'U*A_69X2N6RV"IYK>#Z
M9/?EO@?[*2G7K>+J6V#OH?B.4&T:*'1=YQKFNU#+``?DCVMU24TX24X_*DDI
M_]'%J:I5X?VGJ+"1+*6C3^43N4J6\+2Z:QOKD'3<9)[\<)*9Y(>RIM3"0Y_X
M]I6IT[I!92TV&"[4COJA>DVW*8TB0R7.\@/HC_.6W3!;IP.$E*'3J-H[QQ*0
MQ*JQ(`T1VN(&IB>%$N9M))T24@>UL<>*R<QGTCV'!6EE95-+-SR0.``))/[K
M&C\Y5<T65LW7>EC!P_F\A[6/(_XLGVI*><<TE[@3[?)9/6^DDM%C!.X0M%U[
M69+AN&R='2"(/@_Z*6-F,RS=CD?HS[J;(T>/SG,_JN24X?1&[:[Z"?<TM?M/
M($;58O:F:T8W4]CM!:"P'Q1<AO*2FC'Y4E./RI)*?__2RZ1PK^,=N0T=R0J-
M'(5X2TUV`2`8/EW:DIN=,SJ;LS)QVO!N:)+>Y$Q_FL6CCYW3ZZG7YEH<VLP_
M4[&CP,>W>N5Z=T0[,BY]S\?*=D$5WUQN+(?^C]_YE[G_`/06_A=+;F8=7KGU
M*FP6-[M([._XM_T4E(7=>Z7?E[.G,OK>SW.?(;61_*%CU?Q^J5WU6U5LMLR*
MOYVIM;MS/^,W;6MY1V]&PZG^HRN;7F7O=[G./\I`P:ZOVMG9M;WO9D!E(+G2
MR*!L=Z'YK:MYV^W_``GJ)*<W%RCU*KU*/TF2RS:=Q@4LG:]YJW-]6[9^8_\`
M1JB<#K5#[P732=*G$5AH`.I+/3_/]WM:K>&QO3NLW.96UWVAQ]N@=[O`V;6?
M])="YUCFD?92#'YY8!_T'6)*>+R>BUW6"[(+G-#7.](_0,&O;N:/W4U.0TY%
M59'TG;61V/T=H_LK=ZO0\5&Q[AOCAH@`?NM7)6.<RUE@Y8\$?/V?]^24RS&^
MMU>BH#AY=I^ZWW;BK&0W4J[CUU.??D`2\D5;O!H`?M_SU5R>Z2G/V_\`5)*7
M]Z22G__3RJ'<+4QG-(VNU!T(\EBT/6CC6\:I*=*VB,.P-]Q&UPCG1RM]+:UT
MO:]];B?<6.C=_6;JU5Z;!966;H)&A'8J6&R_'_1V1O&H(X(_>"2G7R#6*IM?
M99K`:YW)^#=JK4W4LRA58X5$-`].(#1^:UK?W4F"RVYA(T&HGQ4WWX$EM]U1
M[%KG`G_-'N24X'UAR,:K.8^H>J_:?:#P3PM7I67D'!K.2[=9&OBJF7_S:P)M
M(%ESS,-!<?\`IH.%U6_+N+<;$=7CMG=9<0V0>S:_I)*;'5'NL:6C65R/4W-H
MW/=]%NI`\EV74-E6'59W+BR5Q/5YO=8QA^_C35)3K=.MK=TJFRMQ<+=SW;H!
M#B8<W3^JJV2_E9O3>L-QV_LW-:*'L)-5O#7!VOZ0_P#HSZ"LY-G(24BW_E20
M/4_*DDI__]3E_MN-0)MM:R.TR?\`-;*KW?6AE>F+2;"/S[/:/\QON7/0DDIU
M;OK3UNT%K+_0:>U+0T_*SW6_^"*Q]7OK+D8.>YV;;9?1D0+7V.+W-/YMON_Z
M:PDDE/M.)FTWT!H<'->`6.'!!\"HY'2>FY1%AJ:UPT)#1V[%>=?5+K651DLZ
M<7;J;9-(=^:\#=M:[\UCUWO3^K4V$LM_16<.8[Q24D/3*&C96RM@X+V,]Y_M
M%+[**:WMK;L:!)\3YK0=EX[*]2/DL#J_7Z*M]=!WO(@`:PDIH=:ZG[&8K>6.
MW?A"Q/2=;+!])VD^92<]UMAL=JYVLJ[@4;RYYX8-/B1_Y%)3C_6/$8,2FY@U
MJ]KSY%9&+U'(H`K)]2KLQW;^H[\U=-]9*Q7T0OC6RQC`>W=__?%R,)*=+]IX
M_@_QX_Z*2S4DE/\`_]7R]))))2R2=))3TOU`Z8W.ZT7/^A4PM!_EVRQG_?ET
M%M0>&7=G`%T>/B@?XL*0/5RN-N36PGQEIA@6N*6MMNI`EC+'-`X@_2]O\G:Y
M)3F/P389]5P8>TE5,CIC*W`5G<7:+:&,-X!X5VO$I#FN@'XZPDIYFOI-Y(AI
M)<8:WQ)X6]3T5^/B<:D@#S<XK;Z9@UOL=<1HSVLG]X_2=_9:M#T&Y&8VE@_1
M8T/L/C8?YIG]C^=?_P!;24^9_P",1K<6GI^"/I'?<X#P$5,/^=ZBXI=)_C#S
MV9OUJRVU$&K$VXK".#Z8_2G_`+=<]<VDI4))))*?_]DX0DE-!"$``````%4`
M```!`0````\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`
M9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$
M!@``````!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("
M`P,#`P,#`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`>P!L`P$1``(1
M`0,1`?_=``0`#O_$`(D```("`@(#`0````````````@)!@<%"@$"``,$"P$!
M`````````````````````!```0,#`@0$`@8%"08'`0```0(#!!$%!B$2`#$3
M!T$B%`A1%6%Q@3)"(Y&AL187P?%B@C,D)1@)T5)R-289\.'"\D-3PPH1`0``
M``````````````````#_V@`,`P$``A$#$0`_`$#V^(0!H/HKR'C]`'/@)9!A
M=3;44%!K32IY`:G3@)C#MI52J10C336I!`/QI4<!(?1)CL*<60WM%0>1)\1_
MY\!@W[F`M++2%O..*(8;!0A3Y33>A@+4@NJ`YA->7`>N9`[CA#;]KQ:`J.XA
M;K2;Q=#:GWV4#<I;&YMQNJ=15=$;O+6NG`5^SEV71WI@N%NLKBX;C584*>AQ
MZ4RYNJU#4Y(4IV6A'F*$[G#31(.G`9%C(YMP<<D1''&&`5A`<2HM)0%+#2G-
MI0`ZZEHK/F`VZ4T)(2IB9*4TV93;B>H*!Y;+S2'E:J\E4`$@(.@)/`>Y;3;H
MVZ!2@=HI7<330*^G@(Q<K=TZ^6E.8/P(.OAI7@(#<X8.X[4TH0:\]/LX"L;O
M%(*QMIST\/$']O`5]Z7^_P#W?&M:"G.GPX#_T$6V^*5!!IH#0Z5/AS\#7@)[
M;;<24U3M&@^O0<QS/`3>+#2RC<L`_0:#ESI7@,D[A=RNS[4:<5VQR35-MBEA
M4AV3^2MU4@1&BIY1C-I#BD%`)2D[BTE0<X#ZI&(1L6BRF;I?K@Q-6ATFT6^T
M(NE\7*33<TK&[:RU;K:QZE1Z"+C(7+:74)D*4`K@!`[K7&^.O2(K-EO39*G$
MW!-^R9MP*=4'-R9=J@N-"V(V!:@T7E;4BFH23P%)XIAN3W:\)*7$PF)*5N(7
M%N"Y+8>6$ICRMMP;N+3;>Q6[J!2E(*04FO(+-M#\.U7>2W<KNVJ+$?*DQ8;[
MCLN?("70AQ"@E@1QUM%+0Z77$I*:#?N`69:<JR^-&D.VL;HJMVUI]R9"<5UW
MEN);4HS.G!FR>G1M*PMM>X(VGD0B0[IL/2'DS`IEZ-(+%R85%1$GVZ74)+,Z
M$A+*V4U6`A7(53N4HD;@MJRS&K[;0\A:7TE*BR\D4ZB$J*5)7HDAUE8*5)4`
MH$$$!0(`1J[0.F5T&E:^)II]-`.`J;((>S<0!\:;?KUT^/`5GT/[]NH:TI3Q
MY_IY\!__T4HVB$5;:BI)'TBE?A\:G@+0MD$42::)2"3X``:D\N8X#!VON#:K
MED,N!9Y<?I6QU;,BZJ3UF(:6'4QI4ME.JI$OU3GIXB&TK4[)*=I&A`&YVOQ&
MXS+:Y>;FQ(8E7=;#:YJ&R_>2B0AOT-GBS&0I<$N(:2IF-#2F4ZI)<*J)+B`R
M5^[77:HLF/0V85P?:H[9[>AYN9#C]19ZF57</*+*`M:RN,'D.`)Z:W$UV\`.
MF?>WNP8])6J\3#D$QQ+A5;(S:H]F9]25)#49I(2WT64N?VC86IU20H%MQ)40
MAL+LC=K@Z39DA"`7&#!C1M[:=S:D+0ZM2TNOJZ+RB%/%;@<'F5R20G7;7LE`
MMUS<8R3#I$O4(<NT.X253HB0*=3T2TOVQY""D!24,H<3IH>7`2CO'V:7CMI<
MOUF<3+M2T[IC4,@;EK;;C)M\Q,SU;-LCI"]RH;[:HI#FFPD)`*A[PV55QF.Y
M596$V[([&M#5UA-LA2KK9D%4>=\R@[U/R78#8)=%2OIG<"@T<<#KVF[S6MN%
M)MDMY<&ZQ&RL0)"T+]64)21N<6C?)E)C)*&U("3(82GFM"$`":1+A9+98E[@
M*"HTYGJ`!25EMU"BV\THHT*V74%)ISIP%9W^("AU.VM$D4_2`?MKP%/]#^_;
M:&M:5^VOZ>`__])/]B@[MF@UI]O+[/'@,-WRR>7@_;B6Y;5!J[WY]JQ0I%$J
M]$F4AQ<^=L*:.&)`:<4!\==`#P%:^V/"+A<9$!AJ&_Z6&Z;NZ^[M6PPI(HY(
ME25A!,QS<M2`HD)4I5007$J![7;3"L_O]FL[V,PV[-C4!2D-9%=I$FW/W,'8
MN9(C!*W)S<=;[`WEHU?9\JUH04M@)7D=JO&&07HEAF6M3SK4=^3=)L!;[,=Y
M#;K@>BPI#KT)UTK"BTM;:GV5+JA6PJ;`".,1=R7*D/SG[O<^M(6I4NZU3'4^
M7%E*FPI,9MXJZFU2&F0TI.IY<`8>*=O;9"]&W;+"U)D>G*$MMN28[CCR5`]4
MO;G05AIL5&U(H!K04X"P4=KG8JFIMVMDF$4NL%@S):'EI22I23"=DM+CN+-$
M#8\&FUC[RBJAX#Y<YQ7&;SC\V#<X\6U3Y<9$5N5&:6W$DKC!PF-,9>*TQWG&
MY"U%M5(J]YJE?4#B`0=[DNS<K&\BN(0VW$#C3[<60VV41W5J#G36M!\@96VM
M2'6C4D'16Q2@L%,Y59$MW1^,#\JR2(7%Q5M.(;C2E-KZHC%12R7V7"CJ-OC:
MZRI0)"B:@#&]I&4RLGQ;*K+."A(L<Z"^XTI&U3;L]N7'?UW';U#;4**0``LJ
M.I))"W<EA;'%C:1SI\-/V\^`I?TR?G6VBJ5W?36G+_A_DTX#_]-5V/0J].J>
M5`/KHFM/#^?@*]]Q6-RLCB=OL;MZ%+N%RR"2XPTVE:EI2U#Z776$[4I;+TA#
M.Y2T@*>%:BO`,J[`]HK)VWP:WJND)Z6U:H;<^>E2F6E7NZJ;CN(<4TE!_NL%
M(HVWJ2$@ZZEP+^Q/N#GO=+($6.UL_+<9M:E1T6Z)'V-N/1WFU1FV%(:>?4XT
MI*:JV)"=A!=)*3P![83V8O\`?K8I!QUKI;04SUQXHE*>0A*D/=>4[+2A;SB`
MM00RD@@4*14<!\ZO:!+3<43Y54/+=*G'&F$-N4WE2&D*6X\YTVW-0-]:$U-2
M>`O;&>QT''8S*7V$%Y"JMN*3M4V"4K`;J5^4.)!*B2I7,UTH'MS_`!L+QY^"
MXAI46*I1`0V@*0TT%[5MFH-6D_"GAI3@%L]U("X=OEI1N5"<2M*$>8J26CU&
MZ[2AT;*G8I%"G<2014$%[9M8XF=19<28S*N#L%Y2&5E'JI4-LMA'36X.DXZT
M2BB'$*;705VJ4DA().]U79J[8I>'I+,=Z.O>F3;W=CG68>:+;R2AY"EU0$K!
M2:THM5:Z`A+_`&/M>JB]SW)<3H75\8K(F%2!YU(.1QW%H4!7IJZ:%;:Z+*C0
M5U`DLN@T"ET(I7PUH/\`9P%&^F'SC?K3I_`T^_\`&OPX#__46SC<,D-#;05`
M-1SK\/KX"Z<$[>MY)W(M-SN*4+@62W,>E0='&I4I]YF2^V@I*ENJCNA*0DD[
MD@D:<`Q;+L-3`P@,14>FDN,QI"PCS`6UM:8SJ4$+"4R'0JK9*$[/)MJ:<`97
MM%[56S%,0:N<VVLJO%Q$9T/R$)6HE;&UT#?N<022HA5:^;F34\`P;&)+<)*6
M"RTWO(_+"4I;5N`J=ODV_B_3X4'`2>X&*L(+;:2OG0I!`^]52:$;ED<Q6G[>
M`A5V8=?<2M+>UNA!!!"`4$%24FJ1^O7@*6S%KU4=V$"4J7U5+%"/*L`*!4.1
MHD@$D\_I/`+^[X61EBQ3W8C\1<V.R\Z[;UN)3)6P$N>>.RO\P;=J@H)W5/@*
M4X!:5@NMLDW*04J4VZER/U$-E(6IQF0YU$N)6I)V%JH570)632H!`1;O;VRQ
M/NW@TJXQH=O=N%G+\67'Z*7$R1M2E82XTA"F9)]2%^;<D!>X`4.\%9]D,?=[
M<]Y[GB[3CC-GOU@F6XP'4N%2;C!>-SM\E;BBNO2AM2&JD@CJI!!T5P!#YE`H
M'TD?[^E*:&HT^S@!W]*/FO/^C7^M3Z^7`?_57]B\8$MCQJ#^P>)U&O`%#V\0
M+9DEIEK;2M"7H;JVR#^:A#Y`2H`CR!="0:@D<CRX`]KG,BY7?L=Q;J):9NDB
MW/79\G9T[6VZE8KL6I8<E/,I0TT`H!(.E`LI`V\7SBUXVL07@Z]T5^GA6^(P
M[+GRGEJ/3C0X;*7'Y#I2FM$I.WQIP%R7W/;OBT=-XE]L^X$J"['5);E0;;#?
M].VG<KJJCIGB4]JV?(A)=))\M01P&/QGOYB^;185PL,YM:79@9>C/L/093+J
M7PTXS*ARFFW&5[B4J!H`=%4U'`>GN3W8M^,*K<IS<2*ZTXI*EK2G=M0700"$
M"I%0-?A6GB`!9S[F8UJN[N3Y[<,HPOM!9G_2>L@?NGC$[.)#GJ`XS;LN[E7O
M%<;-OMP9K*1!E.RTA02$;CH`R=T?=EV;[C6#=VIQ'M1+MUP>FPX5RF]WKFO+
M;F_"9#LUQ$*%V]NS+KD>*X%+]/<WOO;@2FA()KF]\[S:NX<G%\&Q&\9KD-PE
MQ]C#/7A6>V1KLBZB+<[W?9+"&X-E8?L\AMV4I`VNMI;V[WV4N`2/9>QY1AV2
MWN5=<C3DD;N"]ZG)&T-*:C6;(XT5X1OED%:WDQK',C'TR/Q*4$*<)<WE8!I[
MF65X!W3QS+K*TMMT9&8LB.TC=O2N2VYT@AM#3@2KR`$5`!(H1Y2%W9C"*FNK
ML*$N(2NB@0H!:4JHH:$*&ZGU\`-_H%?/=M-*[]M#2F[X_7P'_]8#\32"MH!6
MAY4`YT'+QH>`(B,W)BOVB4T"6'DHC.'=L4%,.^J\I%:!3(6:\_**&I'`07N'
M[Q4]K?=)@V)VVR7'(XL!-FD97#MC25OP;.]879$Z[.=1]E#BK?!87(VE:`A#
M;JE*!(J#/NWWN6Q*^YC-RCM=<L:R^U1+9%7<,D-U;?:BQKA%5,6;+:&#ZV[.
M+Z;"'E.N0(Z`[Y'GG&GF4`//>;_4`]Z&:1G;=V1L,'%K2C(Y./Q'EV6T7C)[
MI%;D1$*R%O&;NRR]9,?>AN2)+$A^X.//MQ5(4RRMQI"PRC^=]^^U79C)O<3F
MUVQI"^WMCMN4YJO/[>QC5NNZY+UG9N$&TS,/LHN3%^MDJY+$:&N/<UWV4TU#
MBK9<D!]L)'[U<H[OM>WCMI[@F[U9,FM=P1AV2W["+!BDBRM(M%WBQYSL5N]3
M;Y=IKJ"Z^AMQ12BC*E``*`40G7;/M-;/=SV_9[L7J)DS5ZRG!X.'-P[G;+3%
M&%LPGK1>%#&&&YH=LLR->;>VOJQW&74[$LJ"MA*@K#_MQ-8!"@6W''LEGVFU
MWHW*TVZX.0V8=MD+8AQ'9(0J?<93DHPH#3*E*404)T2GF0HCN[V\QSMTSE40
M0H35P;M&/0R^TRX4(G,R<AGOPP^EY3:)L=%P:>6W1)2B0A5!O\P`-C/<AVW]
MSL!ANR"B!=,B]!<U*)4EN.AMV:J1H?*MIN,M((!\KATK0@(QW>[=Y%W1]Q&*
M66#%6+(W=7LTR&:\NL>%8+3-M3S[)0GR]2XMB+'93]XKEE=-B5%(7+GMN2CU
M`VTVA5!RY4'+@!>]+_U%6GX/_P!*4K3X^'PX#__7`_$'07&B/Z/P^BITTU'`
M%A:[3)OE@]/;@@W2*XS<+<EQ6Q#C[!H[&6JJ`GUD-UUH$G:E2PH\J\!A>V/8
M*Q73O[DW=>\6^'>AD?:^ZX0];+G#1*BNSIEM?L,Y+D:4A2%-S\=482V_O@%Q
MMP"NH$Y[:NWW8NR9+`M]NL&/X!B-RB6Q_";;98;.-X^S<;A$M\"_8ZJ+`:8M
M[[JWK2Q<>@I07(*Y3P2XEB2I`.8Q3MC8+7:W7;=;8'3](&T.1&XR'Q5`#BTN
M)"E$.M^*2`JOCP`O=]D6:_X?>^T>,6R!?[AG3R;!E#J4-3[1BN*&0TYE-RR>
M8'/2P'S:D.L0(:U*E2[@^R$M&.B4^P&![M8:SE7MRG8AZ1IV"Q:4QD(0A+C/
MHF(Y:0TE"1LHA%*>4BB?#@`S]D>=W&UWBX]M[-GEMQR):W%ICP<NQZ=?$2IZ
M9'3?:@W.#E..+:WQ6TD-NHD.U23N4"*`TF\8UE]YM[C=_P`[83&<6AQ3&(VE
MRR-OQ4KJIMR9)NMVO#*WE``J9D->6HV^/`*M]Y>+8Y:L9DQ+1%2E,)M:(Z4;
M4H0XZX.JK8TVVV77'%;U*H5..$E1))/`(%S!M^T3XTI*UM2H-V@OH='WD(<G
MQ6Y(_"`E<-QQ)-:`$UTX!D?9VX1;_;,]R)IH*:^:6:Q)G';5]^U8[!=F,MT"
M24(,UHE7)15XD$D*N[BO-E4G::"BQR\*?K^'`"?ZE/[Q[*_@K2H_^RG+G6GC
MP'__T%WXC/%6>504@5.OV_7P!I=M[N$&/4\M@//EIJ:^-!P!NX1;+;)E-W-*
M@UUG4.S6P*(45-%AQT*24],N)(*^8*AN.H-0KGL]`<L65O8OD,"&Y$,^8Q)@
M/--2K;*@NS#<8>^.ZT6'&G$N)4E!11.E/#@&F8K8>VUNA,+3BN.)A(;!#9M<
M1R.E)%04QEH5'351KY4@:"O`5?DU]<OT:^OV*QK_`'1L+CC#L:S1T!Z8\PVM
M11;+<RA!DJBA/W&@I2SY4@G3@(RGOIVLQ_M;/9S%4FS/"*ZAQN]MO6Q8BEAQ
M#"EQ9[++B"5`!05M*%`I50\`@V%EN79]W.?M7;V-\LQ=[-57Y5YC(?$XMQYD
M<L.L.(#8C)4EA+@))54<@->`?I9,Y>A8K`B.R);I;B16W7I+RU!F6^R"E`51
M2P'%-':.0Y:<`"?N)C7+(W'(R1N:1ND+4M"@VH"JOQA*NE0:FGB?AP"`_<O>
M484B[WCHB6Y:AZGTY'3Z[C#C:T-E02O:7543NH:5!UIP!C^T[/['D/MEQR[V
MRT"Q7*7=L@<RB`J9*FJ^?^J`;=]5*_->0O'?EX1Y4I0VE*`*)U"(]PKWO]0"
ML>;>3J.1'*OA7@!0^;?]0]3=I7;S%*=3;]7+@/_15?B-W2.D2H5TJ*_`:_#@
M"MP7(TLK9JY35-:J'`'9VWS-A*6FENA25(*5(W)*2E0(4DZ@D*!/`2)6(S;+
MFBLZBWA,S'KDN&P_&<+RI]KDN2)"6G7GW7G6G8SB92(R0D(VA#8H25'@"LM=
MQOLRW+ML1,B6'$H0E3*B4H:*1]XZ^4I/V>'`65;I>/8-A\&1F&0V;'K:^MYU
MQR\W2#:HH>WDN!Q^>_';#BR*`5)`'V<!"<GSOVI=P[.Y9,GRG`LHA,2`[)CL
MPF\E;V:)HX]"AS6(X)210K2JOA2O``%WA]W7MM[7N3L<[*]J;OE[T2*IAA.(
MV*V1&PM:T(6Y1Q]R=#BDH_MG&6T)0/OTX#-]@^Y_>GNU`G9!GN'6/`<)N,EN
M/!LJKP]=;^[%;HIJ1*<C1(]JCO+VK4V&GGU)/F414!06%[M;K;L2@X3*4XRV
MYD%C"Y*T[4!26&%"4L!)!'4"MRN5/AP&L3[D@YGLO)+?;GPT`MQ]B01O;#L%
M:)H*A4!>YV.@4^GX<!3?8[W=WKV]W8]BN]]N^687<'57K#\SBQ-P@MW9U84N
MZN,-A=XL3TADLB4D+D0G6BVZ%-I/0`O,LS&W7JWLW.T7*'<[;<HZ9,"X0)3$
MR#,C.!10]%E,+<8>:6.2DJ(X`<OF_P#C]*JVT_7U*_#E3]7`?__21FQW!Q[$
MHPN&27^TV*"V$E4J[W"-;V=1^6E*Y+K6]:R*)2FJE'05/`5MF'^HWVWP5+D+
M";;<NX5V:WMI>84NR8\AYL4257*;&<F2T;^99C*;4-4N4H>`&W)/]5GW3W$*
M8PR;B/;B,&U-(=L>.Q[W<]JA3<[,RU=^AEX#DMJ*S3F`#KP`]Q_>E[G7,XQ7
M/+_WK[DY7<L2O,>]VR!?\OODRQM/-/EQ^,S8U3/E,2'.8/2>;:80AQO0C1-`
MW4/8%[\<$]P^!6++[3-CLW6.S"@Y?CCJTKN%CN[;:4/LNMZN*9<4E2FG:!#S
M>HUJ`#0[M:.VW<02A?K9;+W#O,)<1IN;&CS&V69'G>991(:=0TMUTBM`#5((
MH0"`'8^R_L[99S]VM>.8I*1N=6BU7JRMJA=,(JS&5Z5A)6SO*2K=4J'/PX#!
MW#V\8Q-*$2,?LT6U0=RXV-XO:V+?:W-G4V"X.H882^TTDU*=FI`).[4!\^46
M16-XO$6VTW;;5`D!+,9NK;2`T@+4T$DA7E02/B:_;P"?/>;[E7,TO%BQF!(W
M/8I`NMMW()33USS2DT`-$]-H+%.8!IP"[_D$R_A^WQ12X3F7(C*U5-),_P#(
M0M9)&G6=03X)`X"G??5V<LSO8S'LAM;2W;W@Y#TN2?S%.QJMP)ZTBM&/4P8R
M7)!`J[Z-C6B*$%4=M^]&>]LG`S8+HM^R/.*>EXW<5.2;*^MP(#KS<;J(5!F.
M)0*OL%MQ6T!6Y(VD":_S/XY\N^<_++A\^I_R.AZ/J*5ZGS/;T/0[O';UO#9X
M\!__T]#>2_*FR'I<Q]^5*?6IQ^3*=<?D/.*-5..NNJ4ZXI1\22>`]!&GT^/\
MG`<?9^W[?CP'GVTY_P`VE>?`7M[>O<+W$]MO<*VY_P!O;HY%D,NLMW>T.+4;
M7D%L2X%/6VYQP=KC:TUV+%'&5^=!"@#P&Z![8/?%8\^[>=OLPNT=ZRVG/;7%
MGP)?6,J!;;MI%N=EESFF@B/)M]Q0XVL+2D*+>X&G,'(8#FN.9/!A7`2&IR4-
M-A[:Z%E"E)VK>)UW!0KJ/*.?P)"3YGF&$VV,^KYE$A]&.M9(4VEQ2D)"M0%&
M@3N%:>(YG@$D^[WWGV&U6*YXAC-P9N=Y=F+_`+%:5)BI2L++CBT;@E2E-!*M
M0H@D<`CSU<BZW*9=IKBI$N6^N1(>=4HJ4M2BI52JNE3P!*]E\/<OEPE75:*1
M[1&,E3G@[+DMO,PV:*_":./5&J2PCP5P$1]X>/1;%[3^Z62R]Z%JL2;6PG8E
MQIU5[N*;)&WDI5L<]5<JUYC:.`UG$QZ$5%=HUTJ=:``CPKKP'T=+2M/LUK_/
MP'__U-#6A'+Z.>O+QY?1P'FVNG(?RU&NO/\`V<!QL'ZC].IY:_1P'12:&@U_
M;P'`!KR.G/G]O+@-S#V_^V&X=HO9Y[?L<N3!BRLQP:X9#+0I*E-M9<R^Q>;V
MD%9+C:PYD+24Z#J-@$!()'`93&+IW4QV/<86+Y5-M;\/<&X6\J2RXFI"2PZE
M:$H44?A`%/UA$LG3[F\[BR8]RSF?$84W^:F.1%6ZV4CD6$H<V*2=16BOJX`)
M<A[3Y):;FY;Y[K\Z6\X7%N$.K<<)(J:`U-2==>`S&/\`:#)Y;S23;Y14^XVV
MTVAA:UO/.KZ+3#38!+KCKBPD#XG@&I=M/;?>\)[>./RH3R7D(#\]P-K2)-RF
M)2VXE`-4J3'8;0RBE*AL'G7@`;_UHK'_``<]F>$8@EKTD_N5W+Q^W3(ZE)#R
M[=9;==<LN("%'JJ1&NT&$%$:(4NA^\!P&J/M^%`22#3Q34`:<@0`>`YVGZ:_
M9SI2M:UIP'__U=#E/*AIS\=3]`&M!K3@.^E*T^JG*E0"-:`<^`Z4\*:C77]%
M*>/`=%:GER\2>9Y_3X\!:_8K%T9MWJ[18:XAIQO*^Y^`8TXAY00RMN^97:;8
MXEU9\J&U(DG<3H$UX#]!3NWB<MKVY]ALB;9=9D6+.^XT6YQW2EIJ1!R6!BSR
M)R6O+T&G'+&VU#;VA2420/$U`4;[A"-S&1VASI.+(#NT.==`<3NVO#<I*VTA
M)%`1]WE7@/;B>(WS(I2FU2@P$I.XDEL*7TTI"0#L&T;OU<!9^-^V"T2;S+NM
MX;=FS_2MEAF2TKTP0I:BXO>5`JH36I!3H?*>?`&W[=/:;9;W?9.43K0R;9CS
MK$*S(6PVM,J]R6E#J`H;*`W;+>XI9;H"'WFEU\FH&7EW:&S73*L&[662`EU2
M9*,LR=;"&PB!C]A?8>2B2/Q?.+TN/$2W]YQI;JQHTK@-+7_^G;N;"E^[GMGV
M#L\KJPNS';)607V.VH);BY=W1G,SWH;K22/SV<6QZU2`5`%*9A`TJ5!K,TH`
M:$:>/Q/P%?`\!Y7\-/H_]7/XUUX#_];0Y1]X?5]'P^CQX#DUH/\`A52FW]5=
M:_&O`=4_UJT\*5^WPX#@4V_UC6N[=^K3;]7`$E[.Z?YL/;-7Y?3_`#`=GMWS
M6ORNG\0<>W?,MOF^7T_MMOFZ==NM.`_0P]QU?\OD??UZ_P`>K3M]7MV=3]]\
M)Z7I>AY/EW5V[-_Y?W.I^7OX`7F-ORQ%/E^WJ>/6_P!]/]GO_-Z6W[O].GCP
M&=P2GSE>W[W5539OI2IY]3\NM/OUU^W@"/MU=QYU\]:;.545I3R]*M-VW6M*
M:5X!DWMDV?P[LNSY7_S&[5]!UMV_K.;_`%_J-?FVZM:?E[-FSRTX"Q^S^W^*
M_>G?M]3U,7W_`#GJ_O-T?EUU]/Z?T_\`A7[J_>^7[/S_`%?KNO\`_'P'YE_^
MN/ZG_NJ>\[UG[V]?^)L"O[Z?*/G'2_<C&/3^F^1?X?\`NWZ?;\II^=\J]/UO
<S^IP"G%?UOOC[W_C]'T<!U_%_-7_`-O\O`?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>38
<FILENAME>g655868fraser_new1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868fraser_new1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0K24&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!W````!@``````````````:@```%`````+`&8`<@!A
M`',`90!R`%\`;@!E`'<`,0````$``````````````````````````0``````
M````````4````&H`````````````````````````````````````````````
M.$))3001```````!`0`X0DE-!!0```````0````".$))300,``````@L````
M`0```%````!J````\```8V````@0`!@``?_8_^``$$I&248``0(!`$@`2```
M_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3
M%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-
M#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\`
M``$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$`````````
M`0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q
M@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87
MTE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=W
MAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4
MH;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B
M\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>W
MQ__:``P#`0`"$0,1`#\`YEK45K$F-1FLG0:>924B=#?BF`L=,`".[C"LMQ6N
M&XR0>#KK_5:@Y59:R&M#0/WO<?\`-&UC$E-:RU['`&RL_#E(7N=I('F%5=C6
M6'4Z>,`(OH;7-:QI=',)*;3-Y'BESHH>ED-DN_1R./\`>JSLBRNST[!#A]Q'
MBU)38>V$%[5980]@*$]J2G__T,%SFU5FQVC6B2A8=S\A\G3<=!X!-U,'[.QH
M_.>)^0)6CTGIFRMMCSL)$DG\T?\`DDE-YE-;6;)UC@<_YR'=1CUM+G@.>>&#
M6%H4G%!V4,DC0O/*;(Z>YXENL^`24X[,0WDG;(^Z%8;TPUN!:2#WA:F)@6`;
M8CS5T8#&UDGZ4?))3AY>`7T%VT;@)#A_=^:N6SZG"6ND.;JUR[B]SJP1P>_F
MN?ZEC-NW/8WGZ024\]3GV5$5O'!T/B/!:;H<P/;PX2/FL3)8:WFM^@['P*VL
M5KOL56[4[1*2G__1RFXOVB^II'M9[C\>%KW4%E`8W\[LJN*-MK2>.ZUVQ;>U
MG9ON/R&@24V>F]-IKH:7:DZE:S**=L!H$*I1>R`W4N[!H)/W-1!GT-<*W;F.
M/`>"V?AN24F-;&@P$&T:*9R&["[P6=E]2`<&UP2?I/(+FM'[S@SW)*:N=40Q
MSHT"QFM8XF=0M3*ZE@V,<*GOM<-"YKJP/DSU-_\`G+F_MX;D&EC398[AHX']
M=WYK4E(.M=*:?TS/HG4>"C@'=A-;$&LEI^^5I4BUV*^G((>1):X>!_\`(K-P
MB67W8_8>X?D24__2K,D;7#X?Q4&]=9C]5L98/U>IOZ:WLR=K6N/]IS6HU+/4
M9MF#R#YHF/B,I.3D;9=8!O!@_0_W)*;U/6'5XS\C$8+MQFL#ET_1G]Q5OM/7
M\S)_3DC'Y#0Q@$SVL>W?]'^2K_2SCMT>R"2=KVB1'YK3$[=K5J6NK#1M:7QQ
M#3_U1]B2G(QK<NVS*P"]K78[6G<&'7>-WYSU2Z/OSVNQLAI!QWDENFUQ!B73
M]);.,QPR+;'QZEIEP'``&QC?\UJQWD8?5'$[FM/N>YO,?VI24D/U793/IEQ!
M<'08B?%4,^BK&:X-`G02/$%VY=0WT;Z@\6NL8X::@#_HAJP^NM86;6`#L$E.
M)B9!=;96>[/;\4+!Q7A]^0_0/<65SW#3JY`:_P!'(:_]V96R[VXU8(@[1(\X
MU24__].OBV1"U:RQ]3@>X(,<KG:LAM8W/<&M'))@(G_.GI.+]._>1^;6"[_I
M-]G_`$DE._TNYK"1,@:3\-%I6Y!<!4PQN.I\`N2Z3]:>G=0SC156Z@N$@O@;
MC_5;*ZFAC2WU6^XCLDI09D5V;Z8<`-&G0_YRP\_!ZIU#)-EE?HUC3Z0U']E:
MF3?U>JP>E766'@ZD_-4LX]7R6!IO%8(T95]+\C4E-O'/H4-I!'L&@5/J=1@E
MW<2%#!Z>W#!NM)MO)U>\EQ'WH?7\]C14UIU#"#\>$E/)=4O?7:TUNV$.U/D%
MOY%X>T/!!#@""#(U\"L*ZEM[@UXW;W1]ZSQFY?2,AV)9-E`,M:>0#^X4E/\`
M_]3S*[(OO.ZYY>1Q)T'P"&DDDIE78^M[;*R6O89:X<@A=]]6?K6,I@HR';<A
M@]W@X#\Y>?K7^JN)=D]9J%4DUASW`=Q&W;_:W)*?5\?(%K?:Z?`HSJ&D;B9E
M<I7=D8E@]`PQVH;V1+NM=3=+&5B?%)3I=2RJ,:E^XP1PN-OO?D7.L<="=!Y(
MV8[-NL)R#)/`[(=6-8X@!ID\)*2XU)(+XXT!\UB?6BK9D4N/TG-)/PE=E1TY
M[:F5QJX\^?=<G]<RT=7]`?X&MK7?%WO_`.I<U)3_`/_5\O22*9)2EVG^+7'W
M9UE\2`ZMA^$[BN,7>?XM?YO)_P".IXY[I*=0X\@U.,N82`?&%%E=A<&_BK=G
M]*MX^E_WUB8?S@24C;TH66!UFNF@6ITSHM3W^H6B&Z-^/<J#5M]-_HK.._'Q
M24@;A5OR';0/3H;!/;<?_(L7BG6\S[=U;+R@=S;;7%A/[@.VK_P-K5[;?_R%
MG_2_F\C^;_G.'_\`@B\%24__V3A"24T$(0``````50````$!````#P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!
M`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!
M`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!J`%`#`1$``A$!`Q$!_]T`!``*_\0`
MA@```@(#``,!````````````"`D&!P(%"@$$"P,!`0``````````````````
M```0``$$`0($`P,&"@@&`P````(!`P0%!A$2`"$3!S$4"$%1(F%Q,B,S%8%"
M8B0T-18V-PGPD:%2<E-D9;'!T51U"F8X&1$!`````````````````````/_:
M``P#`0`"$0,1`#\`1O7PC<4?I:<M%_#IX>.B)P$Y@59DB*NOA\J:>'S<UX#8
MS%:@(`(:J\2:],%^+GR143V<UT]W/@/2:CY!.5_RK$6%T157)=W,2OCM(O@Z
M2/BV3K;@<P(%(7/Q57PX"M+_`"F[I+"+&?R[M\^#A@),UDF6_+%LT0OKVW)3
MB-.MH):IM^(?!$7@,(N:S[)QIHI4)EQL#<\S"DBD:2UN-0DBT^X*@B@(ZMFJ
M$+JJBHBHJ($^J_OF6P.C;\]-50G&4!Y_F'4T*,R?7$=BZZD":)X\!DX#;JJT
M>H.:Z;"^%4+EJA(6A"7S\^`B=K7$UKR+1$Y)S5.6B\O>B\!6-U")`-?!4UT\
M437Y]=47@/_03I4UN[82BBZZ)IIR]R\^`L&OJ3=,8S1LL*HZN2)+@-L1VUTU
M==<)/8G@.BD2\D15X"4P>UT"PB.6$T9<MIXT2#.:6<VY=.DZ!,OU=9$,9,N,
MRZVV(&X\W#=WD)]0"^$*Z[GT+U95-LU=17U+,$?J2NI#U]8QDD(Z#(1:>N>I
M\<QEB0\?41@UE$BKHUNY<`#=EVUR3))AN3)!E%3:YYH:&OB1B5TW%8?:>-M"
MW$BH2*B(IH6B<M10)X.#'6V%9745997'EHX/R&X9`R#KYHI$UUM3D+7MM&K:
MIJ.NNJ$B@B(%G_LKGD!)$FP5[&#>B`25_7;\MT'_`*ME19GF4<4?1LE$7%$5
M04`#3:J<!2]EW#O,;R`\=R",VS/C(KB,NNN-09]?]HMA4NNAU6FFX_VC!M[X
MR;E4=1X"_P"H>:O*6.^AHZYTDU0U'K(B""['@W.:&.]-%W$ABJ$A*)(JA"KJ
MOVHX"C[%VHOR(FNFG@J)P'__T5+SI]?BM!99':N(Q74\)V9()=$54:'X&PU3
MFX\ZH@*>TE1.`K_L[EUQW+MVGY+)16KB:ZD2,C8N?=$5QYQEAU^.I[9%H,?I
MBPVKB,"1&\XA*@Z@V^EQ.BJ:MNH60XKK5=&4X<8T6R=-&F2:AN6;J[8C+39:
MD[M5PD'8RPVGUY!#LPP3M[C5:]:WL2KM;Z3',X&.1(STR-4-N-2!<-N$+K\M
MMY&W"%)DE\'NJV"D)$FY0I"H[2R,]>>EG3(]!!U\P!X&XC41IT#%%C0T%8XF
M;Q"J*"*2%JI*6O`6]7^F5W';*))J)5I72RZ3SP0U<84W-H*>P0!6B7ZM4)3-
MS5-1775.`G/=;L*_?80]8I6Q6[%B*])8M:\4990A+?TI<".VZ55,%6?K5`31
MPR,C9,4$5!#'?K%)C13ZVT22S94LA9U+;L+';)EX2<9!I3:;W1&7F="'81",
MD$4=`5`$*1P[OMD6+.P,?NV05R+,CN5\Y&A89L8K9])R$]L1$!'$7I^WH\P1
M$$@)L#FL/+6U7!N8/QP[*#&L(IJFTUCRV0?;W"O,2V&FJ>*+RX#_TDH^IF++
M3`,?K8O5TM,K@`^VUKO>"'"L)K([415<%J8TVZH^&@:ZIIKP!C>DSTU%44%5
MD-O8.4$F3"BV$J=*(-,>@/?6,$RTNU2O)#([^8ET@4?AU1$X!F^&2.V;4HJ?
MMY0^8=C"D.=D]L)ORI+P@#AFU(=)]6P>)%4E8'::+X:_$H?EGGI^G6[`2*UY
M^1YI4)P:^O1IQXD90"*5+?8?>'8PB-DHM-:Z:@6Y550EO:OL-D;,4*TH4B()
M@X"ON@XO45"$E<<)TG7-I$"\B(E7PT1.:`4#782CJJ.2\[UVK,(A*A&)28;Y
M[2%3<B&@QU4B74=4^'5/=P`QYW966.19S0`##W3('P+J2(\Q@0T<CRB=(WC9
M<VHJ$2DZT:(HF*"&P$[^I3MK!S(K2[I:IALIC4H+:O=V2(YD<<3=-O:*@[&>
M+1=R!M75-R;U4^`0MW+JG<?M[''K=MQF"Y(>;@2'M5?JK)O7RBFZI)K%<%%!
M215(@+FJHJ;09YVNK9I]FL`*P<1^8YC40GS'\5PE->D7PC\4=5Z9<M-173@/
M_],!H7;%>XN=X'4RXJN55$^[?O*:FL9R67YC%!X&T1#$!,MVY=O2</EJJ:`P
M_,L'D4V%5M)6LHBV+XMBRTV+*LFK"JP^Z@[7$1]U%!/LU-3U7DNJ@PWTW>F[
M$L9P6DE6C)RYLT`EO-(ABTTXKNCF\'-2<>78B;SW*J#IJJ<`PBJPK#D@-,Q:
MB#'1EO1$%EL14D!?B0MN\=VFJZZKSX#6R<?J(#+WE8C*.;UT5&P3Y5T5/<B\
M!7.2MHW">38)$C!-@!H":[EYBJ>T5%5Y<N`7+WPQIYJEMY[C)N-,./N/;452
M9U!SFI(JET11=O+1==/GX!9E;65-A*FI)5F9&=D*^8OGH3).#)ZA,<T%35WQ
M$T(=-545U7<"[?6IZ4X,C?F5`H'6SF6Y++GED*(YL("D1R;1UHHCRZJH;M6T
M54TU7DH:CL*X%AV9IZ\HY,3<6G7&/S&B=5U>HQ8.SH[N[E\+\">T:)S1-=$5
M4Y\!_]2G.UC3<#)J1]X"*.XY%;D@)(/58&2)J&J@JJ)'HBZ;5T]O`,3AMQ,O
MSBAJ$<%(U:C-U8DYM)OI5L-W[O@M[]%VR'54D#1"V#N+GP!\X5G-,C4:N1J9
M,L'&NG&K:>MFV\Q!;1&P=^[ZUB3+%CKKIJ@KS1?8BKP$F9[[8-46,;'[0[RB
MM)[JL18^44%UC0RY`Z[FX+UQ#B1YB[4Y[2^5.7/@)9([@5HT<RT;1AP(KCB$
MZNU00-HN*I$I[$10+37Y4Y\`%_=;U(1HLR)58Z<)]Z2Z!V>0RZB^O:+$:M%)
M)5M:P,9C2+.4S':Y[45H$73>X*+KP`E]U/4=V0RBGMF<3R3-,TN8YO07[6IR
M?L_6TLI\F5<-N%BY=Q)5_$"0TA%T9L57A#3=HNJ\`DL>_+%=GUC@]!66F5Y+
M:2)'D*J$V*08+<@)#L:9D=I'&5`HZEGH.*](3JBA-&#2.NHC9!>N(Q<GMNV>
M1X7W'EP\BGU[%E:U-[$85EB37S5E218;:5TW&2IIFYA0<,CZ730B-14R`(^S
M+SE1G'<WMLK:%&B*N0PW!%1U`7XT-T.2*/-90HB[MRH'--4X#__5I6J!Z(E+
M.:(E#J)&<T+IJA`@S1)#3514FX[GRZHFGOX"-5GKEI.V?JLRVFR**XUVJPRE
M\OW'SMQP&:W"DFO45767$Y%03EM2+>UA034")?K@`$<=W-H#&L/]8-CC?;;(
M>XO9S&X6?A<3/-X5$A.2'+G*?.18[U&_-<E!`'&(TB$\U):!UN6HP3%\P%TE
MB\!32=Q?7UWK[E$6=RI,?MFD@9$"IJL"P&!3G8?>2M1X<+,<FQYG('66ZD@>
M.3*@5[X.&3:MMJ"JH$GVURKNUF%_W]]/$W(\<I[?M1CV*6JW$;!+>25]^VV.
M+<Q(T:19Y6%?'*`YOBNHTW*!>AU1<T>1MH!A](:77J+K;CM5W+HYL&9VHSF9
M8V5:X[4#CF:7%9-*N^\KR%8FY,M&(LU#.-#>!R*V*M[3T;1'`G,O^6%384,D
M\9L+Z5$>NH5\5;,6`D-JWCO/O+8(\,Z:ZX;'GI"M[$:;07-A#R0D`4.^N!XK
MVQK+IFMBUH3FV8,)9E<)DP5G5S;YRV8&6,@V7Y$21+0'E;%6VWM[2JCK;@B`
MD=J.X;UADV88V^\O3E8+)=J0,U0';21)=B$RA+\*$D<%=\$1$;7G\2:!!NR/
M:^ZBVO='N9<M.,PKR[GXQB@R.;LRGHK:8,ZV%57<D9^>TC#>Y$)2C&6FTA)0
M_]:O<1JAR&E*L!\8\DECR84@N8LS(SC;C743:1*R]M5IW1->D9:<!*^WW:FH
MPF7WH[C.4C<NWRZHI'LCK9T6'*22N%%#=*(;`MO,F[(:@,$J"KH&Z`&!*)-J
M@';Z7GL"K2=A6^,N1W9$V653D=/03+&K^Z!D"M-36#E<Q8.4_P!QUCS41OS(
M,LO-L-FV2JI-L@>^33\>AP(15=9:Y"Y&C=2*%=CUDK4A0+<C26L^-`QZ$Z2\
MD\S+8#3Q)$X`=NV]58MY[G.16ZUHY5FLPYEM`KA-ZOKH4&%$H<=J4F.:K.EQ
M*2ICK+=;3H%,<>5I$;VIP"VK20UV/]4%L^Z-Y2U$YZ3=Y)=T+T6/+&`KO2><
M=C6<.PK9[;3KH+M6.X:Z?`O`-=K`P[N!B\6ZC9[?Y;06D".XR)VE;%KGV'&F
M9#12(U%75+,EMX$1='4("!?=P"K_`%TP*>13N5U-!CL]/;&9Z0HFQEL3'8T2
MJNQL&P1$3D@IIIHG`(T@W?[$=PJRY-Q&PJF;8))./-QV5`HZMQAD//N1V6F2
MEJ([S-!#=J2H.J\`R><AU_;O$(LIGRTX<5HSGQR`F28GOUS#\YIQIT&W`<"6
MX:$A"A(NNJ:Z\!__UZ:[87HM&PBN:*!!S7=^3KX_AX`^Z%VJO,9M6)*%^?4T
MV%*<BCNE>7DQND;C:)R-U@="'5%7X4T\$X#W?2YET*E<FL-2_-1XD@ZLGU70
MNI`>*"^1(B*O4%R-\7)%1=>2<`;F5=Q)5G'KL6IY2L';RHX2K`4)5A07/TET
M4T^,P9U4?8JI\G`11JI[@XOD3UWA#E;=PHD)UJ/56+#<.Q>/:XZ[NM7I)Q7E
M+Q;WLMJ*ZH1*BZH"J._/9'U/^I/N6]E&1X@[VZQ9A&*LU3(*Q"M8;$A"?>):
MN62JU($40FR4?A#XD5>7`&WV^E+@F$5.&Q)L$':*F:89@-N`,F0RUJV;(HJH
MHFTTAJB$J:[?'147@!N]2N+..,R9EJX/3?J3LH""9$+S,AA7VW$-=%5"%=VN
MG-$TY<!S'>I[-;C%\KIY&.WI8Z\Q>D_)L6^8C#A?7O-&A";9-N!HI@J:*V)(
MO+7@&XY[G;%_61+>/,ARXUI7Q+%F56S6I]=*;FQFY+;\&<P1L3(3H.HK3H$H
M.`J$BZ*G`?_0`C&\_K<>B%;6]M`JJV$VCTRPLYK$"#%9'3<[*ER768[#:?WB
M)$^7@)1_^IGI2[3!LMNZL;))S+9.!68%7V.7N2.FGV35G5,GC;;ID.@H].:1
M55%543GP$X])W\TGT\^H[O?.[?8=AM]VUEVE;)DPG\K+'J_]L;1A_P"O6/64
MLZP9B68Q0ZQ)YAY7FPU544%3@'SX15U;]>WE,$EM)T%M56`[(U4C-HP;:!2U
M5O:Z0Z^*:<!3G<K.?5WB-ZP&+XCVUE4,DVUCSV_OZ?)8$T5'F9WF8CL0#:;1
M44^DK2\ET1=10!L[V2O5KW.JHE2[W0J\59>C";%!VQ:><R$G9+)HYUYD6NJ&
M8;JCKJANN"V*HA)KP$)['>GNO[+LS<TRM^VS3N383&%?OLFO;#*;""T*H0L0
MYMB\XU`%"15,8S;`$7Q*FJ(B!#?7QWUJ(#&$0:F2RY(CX5+C3&63']-!]VN$
M"`%3;N1=P^'+@$`Y9AT#N!.B5M_7?>R7]TS$5K4Q,5G!)*2XV\VO58Z,8C(C
M%444;U3PX`.X_>?NIZ,,_O.S.1%-RSMQ$G.3:JFLWU2RK*VR=)SKT,\P0&'6
MG4<%^.B>2?D`;K:`CO5(/__1X8LR[A9SW"EA.S3*;G(GF5+R[=A,,X<3>I*2
M0:YOIU\$"55U1EH!77@(7HB<_;_U7^K@-Q0WUSB]U59)CUC+J+NCL(MG4VL!
MXX\N!80G1?C28[S:H3;K3H(J?V\N`ZZOY9O\U=CNS51<![DV@TW="CK6ULB)
M!9J\NJ8:--R+J$@HC468RIH<EG1!!?B#X%T$.BOMYG\7+X/YC9L21Z0'&DMO
MH8.QW$V\E35"$$5%7G_P7@+,G83`E1!L9,Q)+CZHI-@XVVCNB(B_$"(YMT73
M0O8O+@`$]2/<[!.U^&Y*4^4Q"EQC_-@1YHW2>7>(M,BBD>U7"UY)JFGAKP'-
M/G.<6O<?,+/(+20\<5Z6ZL&*3AGT8O5,FPYJNIJA<U]JKP%H=M,1=>AV%[T!
M<"(3$:.^0HI-3)+K:JK6HZ@XW$0DY<]CR:>/`*Z_F@XJ5-W"[=SY38C:W>/W
M,F08J*J]#CS8;4,B$?B!1WG\*\DU71?8@?_2X-515U_#[?[/<FNO`8;%Y_@1
M/Z^>OMY<!BJ:?TY?@X!BW\K#M5F/=7UC8%"PYJ:](QBIRG*+./"VJ<^O;I9-
M&%28&A)(CVMC=,,OMHBKY8G2Y;55`Z6<=S#N%V:R*.N`R.C2V)C/KJMUPG*]
MD7U1U0C-&8HR@N::".B+RY+P$TRSUG^IFQ!^FJ,2A#):$FVY;3LD8Y^U'M@&
MV(JJZ*J:\U3@%@]X;#O/FM_)F]QI<E^5)<(X\47-L.,)$2[664-`1435->:^
M_7@(7C/;G([24Q%BU4DWI3[3+#(MJAOO/."$=EK5$3J/.D@HG+77V)P#5\#]
M/5O58IBV,N0S:D6TZ.+C[39+UIZF$F;(#<B*;#!-[&U-/@8;%/9P'//_`#F)
M$")ZN6<!A-$V?;OMMBE3;(J**G=7KD_*3=5"\$6FN(.OO5.`_]/@[T3;X<^?
M+5?'7\')/?P&'O\`#EX_-\G`8;4UUTY:\DY)JFOMTX#IO_\`6OP`IW?+-L^*
M.K[$+(>U^,/&SL1Z/$=NI=W.)YPOB9KGG(T9']%3JD+;7X_`-8=P`Y;%ABUE
M,\U9XS/G0&+)45KSCE?*>B>;$6OAB2'7P4M!31-Z::)IP&HI\?R&981ZX7!'
M1=OF3;051%00(E<0$'J>":ZKJG]7`6?7^EN)DU]'M,B(YNV,9PX_23RKSRJV
M:J3X$G(015Y>WGP!S^FCT78Q;VSV43*2,L"ID#64:&TA"5@;(.3IXH*;5\E"
M/:F[=]8^I?2!.`,V#V6QRXS^U.NB1AQKM?0OU\V<I"U#;R6TC-O/M&YIM!:O
M'RWO:JH@DYM5YIP'R^O6SWB;[_\`JR]0/=V+8/VM/FO=3+9F+39"_6G@]98N
MT>",J*(*`,3#ZR"T*?BH">[@/__4X.2_#^/X?.OA\O`8I]'\;Q7P_IX?\N`\
M^[_#[/'P_&^7W\!UK_\`K5_NYWM^C_&GL/\`H?ZR_2;#Z7^W?WOR]O`-AO?X
MF]P?U=^\H?8_8_N7B/V?Y'^;_J>KP&IB_KR+]G]-?H>/TB^E^5[OETX`H8/V
MC7VOTF_#Z7V1^/\`I_[_`,FG`,^]-?\`#''OT/Z%[^JO_+3/#_<?\W\O7@(5
MF_\`]%/5I^\7\//5#^Y'\2OW?SK]%_\`F7_:?+Y;@/D>O?:)_A3P^<?[.`__
!V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>39
<FILENAME>g655868g00v55.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g00v55.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0GH4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````T0```4<````&`&<`,``P
M`'8`-0`U`````0`````````````````````````!``````````````%'````
MT0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!TL````!````<````$@`
M``%0``!>@```!R\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!(`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U*VIEK=KP2)G0D:CS;"A4QM=IJ9(8UC=K9)C5_BA57_;:BT%^-:/<
M6M+2\-WV5UNXLK_2^BY$I867.:7NL(K8-SHGZ5G[K6I*3I)))*4DDDDI8N:"
M&D@%WT0>3&NB=0=32^QEKV-=95/IO(!<W<-KMCOS-S5-)2DDDDE*22224I))
M))3_`/_0]`P`3?:,:QI'I5P\UPTD6Y?J_HFFMWTE>J%@N(L<'/\`3;+FC:"9
ML_-W/6?TTO99=]GJ:2UC6N;O@;FW9C;>=_\`A6_]-:%+K'7.-C0QVQLM!W?G
M6?G0U)2=))))2DDDDE*22224I)"R,K'QFAU]@8#(:#RX@;MM;/IV/T^@Q`&1
MFY`!QJ?188(MR008(G<W%:1;_69>_%>DIMD@"3H`JG[2KLTPF.RSV?7'I<;A
M.2_;4[_K/K6?\&DWIM3W;\M[LM^A#;8]-I`_P>.V*F\N][_4N_X56P`!`X24
MAPV9;:B<MX?:]Q<6MC:P'Z-#'[:W6MJ^CZKV;[$=)))3_]'T'`<^JZ][V&(#
M6L8WW!K;,KTW;![]OI>G7_78KM3_`%+G.VN;-;='"#S8J'3'8U+[[B[;69;O
M=$$B[+=:[?N<_P!UOJOV._FZ_P#KBOU6UVWN=6X.::V$$>!-G]R2DZ22!F7&
MBCU!955#F[GW&&;=S?6]TM]_H^IZ?_")*3.<UC2YQ#6M$DG0`!1JMKNJ9=4X
M/JL:'L>W4%KAN:YO]9JJC-R+R1AT%S08]:Z:F:C=NK;M==;^;_@ZZO\`AD&R
M@NS*Z>I7^LR[7'I:',8;&AYO;96S<VRCTPQ]=>5==^D]3_@4E)CU;%==;CXX
M?E7TD-LKI:3!<WU&AUS]F.WV_OW*-&/U-[-N1D&M@,C:&.N(,NVVVBME#-N[
MT]M&/_@OZ2]67G[/76RB@O9N;6&5;&AC#[?4BQ]3?2J;^;7^D_T=:ED"\T/&
M,YC;RT^FZP%S`[\TO8QU;G-_MI*8486-CDOK9^D<`'6N)?8Z!'ONLW6OX_.>
MB75^M2^K<YGJ-+=[#M<V1MW,?^:]OYJFDDI8"`!S'<ITDDE*22224__2]'Z=
M1?4^VRUK:ZWSM:)#I];)LE\S]*NVG\[_`$BLM,Y#OZC?RO4WL98PL>T.8X0Y
MI$@CS"KFD`VTT`534`W9[8DV?1@.V?YB2F64\[Z:&9+,>RYQ@$`V/:UI<]N.
MU[MN]OTW/]._]'_@_P#")J<#'J>+2#=>T:76G>\:;3L+O;5N_.93Z=:R]^6Y
MU;WFQUE4R(L(UW,=Z=O[.W/]KF?06ET[U32XO<Y[2]VQSRXN(!V^YME5#F?1
M24G;?4ZY]#73;6UKWM@Z!Y>&:_1]WI/1$DDE*22224I))))2DDDDE*22224_
M_]/U0B01XJM]D<+1[CZ0:&SZEF^!)U=OVN]SOSE\OI)*?J%^*[>W8YVS\[=9
M9/\`9AZ3\4RWTW.B??NLLX_DP]?+R22GZAMQ7;?T+W;OY=ED?]%ZCDU5U4N>
M;75QRY]EFT>/YZ^8$DE/TPW(P7,:UN4#>YHV@6O+2XCVQ[]VW<E5=B/JC[07
M6C<-'V[9;[O?+MS=K-OJ+YG224_3&+;CVLE]^XE^UIKLMB2`^#O=^ZY2P_3R
M"XB[U&P'MV66@@$N8V=[OSO3<OF5))3]/MQ;?5=O>?2_-BRS=\_?M3G%?Z@A
M[O3[@V6;H\O?M7R^DDI^H'XMN\;'GT])W66;OY7#]J=^/<US74.XF18Y[@3\
M-^U?+R22G__9`#A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0
M`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`
M:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O
M8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"
M`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P/_P``1"`#1`4<#`1$``A$!`Q$!_]T`!``I_\0`@P`!``("`P$!
M``````````````<(!@H$!0D"`P$!`0$```````````````````$"$``!!`,`
M`0(#!P0!`P4!```$`@,%!@`!!P@1$A,4%2%5%A?7F`DB-;=X,2,D&%$RMG<X
M)1$!`0$``P`"`P$!``````````$1(3%!46%Q`A*!(O_:``P#`0`"$0,1`#\`
MW^,#J9\,N1@IJ/CW4,'G1,B&$^X3)A-LEDAO,C.N&0AD?,B(;>6G>W1"&"F]
M:]S3B%Z2K04V7XX]@24,H#K:8P%<Q;9$QE*GC30V9N+(B:*-#2;D0/("`\><
M?U)`Q;+HL#*R+:-I`BT)^TN_2;>*<TN',&;9$3]T>N4`?,ID*BJ6)F9:SPP"
MEF,N1DS8)<U_ZHRV$V'\%+#`C33WQU:;_P"IZX1^?C_;;-:ZY>$6J8=GSJEV
M/K%#"F"0HH$\V$J5RDHN%7),P@$5$J.9CVT-K<8%82YI&E;3[]J4HM3MA#`8
M#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`__T-_C`8#`
M8%:/&'^R=B_V7[]_D&4PM\67PA@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@?_T=_C`8#`8%:/&'^R=B_V7[]_D&4PM\67PA@,!@,!
M@,!@,!@,!@,!@50X-YG<-\C>O>3'$N9V%4I=_%6]1-#Z..OY9(Q)TI#I)=D8
M%QHEUTV.B+*'*01BEH;6Q*1+Z=IVTMAQTMEDE6OPA@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,#_TM_C`ZF?D'(F"FI5EOXKT9$R,@TU\K)G?$<"#>)0W\E"A24P
M9[U-ZU\(0=\ESU]K3:U[2G84PWY+]?2>P&WQ@X]I4W<HM!@L?.(8D@*K#-RE
M1GA'];*CQP>Z2VWX2!<007'`G!N/H.EA5MJPN?:<^*=*N5]9M@%_IOX+M%4F
M4Q[X8+$\57I`!Q18PLG!V:8BH@6PLF%1A"_<&VXTRPIG>W%;<^P,"\0I,V8I
MG5)*1KTQ5#2_)/R`<(KT^]`$3$8M/1I=O3)SU7G+)`..K0C2];&.(1[5:]5:
M5[DZ%\6OPA@,!@,!@,!@,!@,!@,!@1K3>,\?YS-SMEY[RCFM$L=I4XJS3]-H
MM7J\W8U.EK/=5.RL)%@G2ZG#G5/JV0XYZO*VO?\`5O>\"2L!@,!@,!@,!@,!
M@,!@,!@,!@,!@,!@,#__T]RCCGERCKW:;+R@&N5,`:$_'Y()2;9T)NZ2,%SN
MX:H$W:=T^V\1I-<*K*;JK43LR'LDTRB2;(']5+%(^&6S%T,(8#`K1XP_V3L7
M^R_?O\@RF%OBR^$,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,#_]3;`\/+\)9?(?R`@VF[-);AK-U,9J:GO+.P=I%BOD+_``FRJQ#\
MO*M!]9J,?\&7$)9>"C1B(D?;<>2^^XY[MEO425X#W:T7;GU^(MUHL]PF(;HA
M4(5.6<T<PH@H:"A7C=*#C>A]#B*A(Z,?7LZN:7"G0):EC%Q`#FM-J%7NPA@5
MH\8?[)V+_9?OW^093"WQ9?"&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&!_]7<7X,`GH\OTF3F.!\IHXH.^K<OKG8:<Y1";1;Z?9[J
MNX'LGT+<7;%U&.M<M-+GB(Z8DY%!YJOJ!(+7U#;#9;QZA/\`C$1JK\H[4N5-
MIIK4-TA1;TA0P^-&Z.BFJ#6)1DZ1<\?J31H6T6-(I&QY`MZ$:E"9<8MGU>0T
MSZ"KRL^0_&GW"VF[P%MZ.DW8:495&SC;T3)B`%RTF),-.1:'(E<'$@/E26R=
M-)C!6''2MLMMK5H9694/HU*Z=#O3]#GQK)#L&KCG9`-DQIA!S;`Y+HN]F##*
MV\TP4VI:=:W[??K6_3?V81#WC#_9.Q?[+]^_R#*86^++X0P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P//WRV\ZQO%SNGB/QS?++Q?A/(CH1E>O
M-NK%<L<O$\DIZF&X&%M$P1$Q)H>UR%]G(]+C;CJ?@1`<@^K6E)8]Y9-EKT"P
MA@,!@,#_UMT3B4)XV0?8.MA<5L?,#+2TAE[H-=IW7I"WVZ'MIDS(-6S5TYZJ
MRRT53T#IC8A@1U([!.E)>&4AIIIE*RW<Y0/_`!QUE>N*=9KLO1[ISQ1W4[I#
M3;4G3+'Q.=FY'Y`.)G+A%!QL]OZ&=.OMJ)T5`.@LA$J]@_PG&/5(O:W9GC=Q
M>156]GTY9C50C#82L!DV:W/1T'!RD''UF8@H^,7/JCF(.<K\6R&>'IKY8\=*
MD$(<2XYI0UFM/YE2:%)6>6J<,N*.N)K4A85_5IHY@TQDJ3,0\R%)2)@49_W,
MR0I216V$J]^M*UO2$:21"GB9$Q4'5.LQ,)&Q\/%!>2G?VPXR+#&CX\1M71)9
MQ38P8C;(S"-N+4K>D)UKW;WO_G>%OBT^$,!@,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,!@,"!^Y>3W`/&R+`E.X=6J?/\`ZR\D6NPLD8Z?<+8:O:THCJ71
M81B3NETDUJ;5I(T4`80KV[]$?9O"R6]*NZ\A/,OR!UH?QD\;6^&T<Q+2F>^>
M:C,A732`W%>CAE)\6J?)M]3F75#.H>8W;)6C^BM;2MES[=:&2=U)O'_$62I]
M]B.S=J\A^W>1O9(<:09BY*S61=`X_4G)>-,AI75#\?.<+@N;QJ"XDU3/S,TU
M89E&OZOJ&U>F]#?).%S<(8#`8#`__]?:4\+3OF/++R5"W'0S.HV0Z&@4QB5Y
MI/R*&"^BQ;KH(M:J-=C.D^.<-\=OXJJO>I"5,L9"MR,5L=H"0T]&KU'9?Q7U
M@N)Y]U"=7:;"8+8+N`ZNFG\]X908JO23%8ADD'*WR.:L4];[4:)M@:3G+,N(
MG)10;;QD4,3MUQVI>WJEA#`K1XP_V3L7^R_?O\@RF%OBR^$,!@,!@,!@,!@,
M!@,!@,!@,!@,!@,!@,!@,!@?*E)0E2UJ2A"$[4I2MZ2E*4Z]5*4K?II*4ZUZ
M[WO_`(P*)7+^0OB`]FD^<<(C+SY?]<BWG`9"@^,<*'?8VM2>MI92)T?KADG"
M<2Y=\(MU""$3MB#+9TK>]#KWKV[+E]8HKG?G_P"1/NWU3JE1\)^:F*W[N=>-
MCX?5/("2C7VO8Z'9O(3H-99HM)+]R-*VW5ZF44Q[]_"F-[TE>AQ/M/7#?#3Q
MP\>94^V<ZYP$[TN<0K5H[/>9.9Z7VZW.O-):+=LG7+](6*^R#)FT[4H31R`&
MMJVEEAM'HC0MM6@PA@,!@,!@,#__T-M7@,=11+-VWH'&>7]F#Z-71^^12`+*
M<8QPWK]N/Z`W8USU4MS#3=&LDW+SD0%#)GV]-3*X\)0\LLH@'XR"W[2;X4T6
M)HM>ZJ)6JK;*_593I#4I`R-RI<GS::L6ETBI#S9)-)G.=\SG_?%V-@L/4Y*A
MR,Q86F6RC963?]Q&Q5UL(8%:/&'^R=B_V7[]_D&4PM\67PA@,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,"+>N]OX]P&I$7OMO3J/RJH#K^#N?O=EBJV"27M/N:
MCHY4F2PY*RQ._P"ED,5+Q3Z]Z2VVI6]:V,WI3?7E]WSO&M">%_C%89.M&Z:V
M)Y&^5;=@X'QGY1Y7Q$2]3YT?$O>0G3QWA6E[']D#`1A*EMJU*);5[\+DG=?6
MO`N9[)O4EYQ^0%[\EVR?B.$\4K"2^&>*@>G5Z<;CW>14R;*L?1P@?7:-?C:Q
MV5I[T]^V&_7V)&_$7OI=&I7-ZU&4SG=/JU"I\(S\M#52EU^)JU:B!_=M7P(R
M"@Q`8L!GW;WOVM-(3Z[_`.,(RG`8#`8#`8#`8#`__]'<!\?ZO>J_UWM5$D.X
MB=&J*9&5(FZ4[WFHV2]<VW8Q1D5YAFD4[QMY??\`F6UUT,/8BS;O+:VAYXIO
M3Q+J3=EOX1]_'M/LW3A_9VJA8D6U^%O-@YY&?-]D[M;S!IFETZ'JGR<A?^N`
MS=\YPS)R@&SFH9@>3*K#)NE+66^O2="]I8<XQY1:+B5C]D`0RRN7(D5N6>Z.
M):)E*=&@0+<?'O1S_P`[$\XO[!<P*.<2^_8@"FXV6)6D?9+PX3=Q2F]3H[-L
MA^BV]F\1CDRDNF3IDU*2]I^EK68PL&PZ*AX>,%^7#'#6WH73NUDND[6OVZ:P
M5A7B8W*LU3K+<V9'R$JCR4[_`*,,BXTF'CWW/S$EMI6-&%RTX2(C3>TZVE9;
M^]JUO?KK6_30OBT^$,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@4TZSYY^.W+;<1
MRZ,G;#VWN#2=:3P7QWK$CV3J[3BOB;2FQ0]5T_"\Z$]C2UJ.M,A!QS;:=J60
ME/VX7+_B,D)_D3\B4Z4\Y0_X_P#G)*T*TV-JN>1GE-)A*95I3;K[[:_'KDY+
MNB-;_I;OSB%L^FMM^OK@XGVE/D?@EX[<FMC/3R*[-]A[<C3.U]Z\@+)(]CZ\
MTZRXMU*J_9;>HL3GPFW5^[Y&L"0D<GVITD=.DIUH6V_A<7"&`P&`P&`P&`P&
M`P&!_]+9DY3;*';_`">\OO)*.ND)9)SD5+OB*[R^8K_#)_M%7*I\*U"&6>H3
M]+L5BZ6QSB18CC`6ZW8I4)3,L>XLB,C7%CIU&O)%B_X[Y2U$<^Z%!VR_(Z(1
M6[R*%#S$5=K9T6I`5XBJPA$5`5RVW6.@I\M<0W[FS6'(\9#!'VH6^E?Q=V)^
MST)PA@5H\8?[)V+_`&7[]_D&4PM\67PA@,!@,!@,!@,!@,!@,!@,!@,!@8G>
M+[1^95>5N_1[C5J#38)G1$U;+G/Q58KD2PI:6TNR,W-%!1H:%N+TE.W'$^Y6
M]:UZ[WK6!19SSLLG8]N1G@_X\WSR*0^AQ(G;KOLW@WBL-Z+0/N1$ZE<H0FW=
M-"'(>TK7X*K5A')2VO6BFM:TYA<SNOA?AWW+NWJ7YH>4%IL-<,0M)7CKXN[G
M/'OA_P`H3[=%PMON,9-'=^ZL*ZRWII[YJQPT44VIS2HE&G%)R+LG47+Y-Q?D
M?!ZF/1>+\UI'+:>.[LA->HE;BJU&OF*;0T[(G,Q8P^Y&4)0VGXQ1&W27MZ]5
MK5O[<K.[VDW`8'Y,/LDLLDC/-$#D--OL/L.(=9?9=1IQIYEUO:D.-.(5I25)
MWO6];]=8'ZX#`8#`8#`8#`8#`8'_T]O2C]JZ-<O+GRCY%,76(8Y7SKGXZH4&
ML2O-"NE0EA.AZB9(28M)BI>5[!#M0P,TI0I4G"GQ\R:3IP98[:1@WR^0_CRO
M?6;]SSH,KU:T6&W/-7UK\)RU@J-HJRDU>2JL!-@`".6D*+-F]QZ9+3)A&PHU
M:9%!#?RB&4L/D"O03"&!6CQA_LG8O]E^_?Y!E,+?%E\(8#`8#`8#`8#`8#`8
M#`8#`H;YPE>=K#OCZOPCJU&L*(GKT=;.\-W2WQ=6^M\MK[331G.(E4D&9[2K
MW]6>7L]K6EQSD8WOT5I[>L+,YU*';_,SQT\?IN/IE\Z`U(=1G$I_#/%.=PT[
MU+M]H<=92\,F"Y+SZ.L=Y)')2XCVEN!-`H]Z=N/(3OUP26H)_'G\@7D0A*>9
M\RJ'A!S@WV;3?O(9$;U[R'/CG]Z=;*KO!Z!8]<VH9NV$>FG+):Y0EE;OH]#Z
M4WO2AQ/MEM'_`(]^&QMHC>E]K.N_EQV&,=05'=)\G9P;HB:T:E6WM/<XY@Q&
MPW%^4I8)<6ME5=KD<4GW[][[JO5>QM\X7I2E*$I0A*4(0G24I3K24I2G7HE*
M4Z]-)2G6O36M?\81]8#`8$3]VY_:.L<:Z9S&F="-Y/9;_39RH1O2(R'1/2M,
M_$`3D89.P\8Y*0R'9D0`EW8;FR6_ER=H>_J^'[%",-\3.(VCQM\>.6<(M?4C
M>S&<JK(M+B^@RE<15Y>6J\*I8M6"EHUJ=L+3IL!`H8`^92_K9#0R%K3\3:U*
M+;MU8K"&`P&`P&`P&`P&`P/_U-I_E4_=M^3GG!>Z!`V25*@JC8F*[3)R7@_P
M[8NF0M8HYT)%@UN$2F2KQ$BD<?Y@]Z5FOK+,FWM"(-P-T,J->1:3Q3X\;Q*E
M7H!SGZJ>;/7`^T-08]QI]HW)>^'C0Q?61J_/^8QKTCM(*1WI*68D)^4<1\S*
MRAKROB)J5BZ?,&5'!HKLIR$T>0N]3@K4/'1UT`EEBJ-Y9!]&E*[Z(A!CTV8B
M5FM5^O"%C!+L<HE/P_ET*7ML8FOBG8C.JLVP.>ISU"M=,F4Q,W6795VPI9;<
M48,.<Q86(6,@I%DH^*,;1H-XK6D,)<4I*76_<+,85XF'_5*IUD_Y*0COF?)3
MOZ_DI4;Y20'].B2R/82-[W/A+W[?76O=O^G>MX+XM/A#`8#`8#`8#`8'3&6.
MO1\U#5L^>A@;%8V94FO0)DH"--3P\$V([./PT6\^@Z49AFCV%%J8;<2.EYO;
MFTZ6GU#N<!@,"$Y?R.X?7^O2'!Y[I58A.J1/)7^Z2M7EST1KD;R@:Q;JA-TD
M)$W3,2'%CSJ=LK^(^EQ"=?$VG3?]6#/589+^0FHWR0.J_AMRSH'FG9Q73`G;
M/R_4?6/'.%DA%*2MFR^3ET7'\Q?:1[=J6U67+1)Z1K^@)Q6TI47/GAQ->._F
M%WQ22?)_R41QVE$^_P"-P/PK>F:?\R,IM:4B73R@LXK'8)]:TD+2[^%P**C^
MA'VN>FU*&R=1:'AOC+P+QKA2X/AO*:ASMB37\:>DX>/V1:K47\1;JI&Z7:5=
MD+C=99;KBE*+ECC"5JWZ[<W@MM[3IA#`8#`8#`8#`8#`8#`8#`8#`8#`8'__
MU=M3AW2*A=?,_P`E^15R+\:2:K5Z;O<XGGM*F@NJD2,[(0+,P!TJQ_AX:G2\
M>><0>MUM@\ETAQ37JVEP<K>B^1'?\5-F$35^P\Z_#)<276[NW+ARS51X_78M
M^MR0;8%?J9^^/WJ[,P]QHD;'-`R,#/J'G8=>M,ON%/)(6W(O[/6C*R8%:/&'
M^R=B_P!E^_?Y!E,+?%E\(8#`8#`8#`8#`I'V/P6H_:?+3QZ\PYKKO>*O?/&B
M,DHKGU'I=GI<=RTP>QOR:;NNRP<QSZ=LASU_A)!J*E]BRX27HX$9#6F76U/+
M+N2Q=S"(#[EY2>/GC8'&%=MZO5**9/.H'J]8*)(E[[<RW7]#-@47G-=&F+[>
M9%PA7L2-$1IK^U?9I&%DMZ5C_/GS4\@D_`\;?'8+Q[HQ2_AI[EYIC24;8GPO
MB?!>D*1XL4F68OT@\IMS3POXNG:9O^C>W!EZ]$*&2=U%T5_#IXR6SMBO)_RI
MD+/Y>>1$@7%F3=JZJ/7HOFK[,'$M0D'7(WAE4BHSG:*="@BL*'"E&9A_9;"2
MGB7B=J=5,7^KF3IZO```Q00D;%A"1L<`.T(#'@#,AA!"L(TVP,(*.AM@<=EM
M.DH0A.DIUKTUKTRLN7@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@?_6VT>54QSF
MG6/(#R^O_->K<[8(YE<"K&"9<ZG9:6?$TZ4'EB)2G4((MVW0$W-P-3:);9?^
M6'5[E^YOX[VW%1KR365?Q[UNT5CG5]CK%T>1Z*&F^Z_"[ADEW8P2L5U-9@OE
M:O$`]]!9L\)%PI"G!AQPR307&&6W_>T^\\,S4O:_N$,"M'C#_9.Q?[+]^_R#
M*86^++X0P&`P&!CEPMU9H%3LUZNDW'UJGTR`F+5:K%*OZ&C(*NP$>1*S,O($
M*UO3(<='"N/.*^WT0C>!`WA[Y8<O\V?'ZC^17(GCM5*YIEAEQ,QH9JP5N<@9
M4N&F:_/BBODM"R(98>UIUI6]/#.M/(]6W4;V6S+BSF$?#CC;+;CSSB&FFD*<
M==<4E#;;:$[4MQQ:MZ2A"$ZWO>][UK6M8%$[;_(3Q;=CE>=^/T1>/,/J\2\L
M&1I?C3$@W.OUF3^'K:!NB]GDY."X=SCX#SC:2696Q,R325^J`WE:]FRY?>%*
MO,GR"\C>,\A"[EYH=RA?"?B$O>J)11N1>)J(_J/D+/$W>88',!GO(+I%>#K,
M([5*X,?,20]1JJ#-!1Y.@YEQQ+6WHLDMR3:](N`>(WC3P/;ULY)0(<BX6@1@
MJ<[199:4Z=UZ]LDC(4DZQ=ENTE9;W8A#FW-NH:5(J"3\56V6D)5Z94MM6BPA
M@,!@,"#O);NM<\9>!]7[W:Q#9.'Y?396R_18UMUV3L<LTA(E=JT8AII]7U.T
MV(H6.'WM.T)>)3M7HG6]Z+)MQCGA_P"2,!Y<^-O)O(2O1,A7&>B5ELV9JLLR
M\/*5*V1I)$+;ZP8T2VR0KZ)9(XIAEY3:-%C);(2G2'4X+,N+*80P&`P&`P&`
MP&`P&`P&`P&`P&!__]?;"Y>TF_\`F3Y@18EGZ(.'*<U!K$-+.](IT[3HE<I%
MUX*6-J/&I:E/S<7-PA?P%*DIHZ5ARM[^"**VRM]K<:\B=O#^Y==L'/+43W0J
MZNSU<LSD8W.]!I+?.B#HD*!BB'SE12^;<M$0\T6X]L]P`>7@&BOB-QLW*#(^
M,FI4Z#=FY08/#F!]"J985ACXB5@319D,D*9C9V+#G8TZ+,9<6,<*Y`20L@XM
MI2M#QY8Y3WPV"&7%DQDE3NM1O<<N8IECA[1%-$;$<DH,YB1";,0TT\X&LD93
MC*2VF7T*6UO?Q$)6G:M:]VO4(0\8?[)V+_9?OW^093"WQ9?"&`P&`P.OE8F*
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MN7]9C0H7JG-Z%TR'C3M2D=$]`I]>N<:!):'>$U(A`V..DA13M"D.-_&0A+GP
MUJ3Z^BMZV$1<E\H^#=)[3W+Q@YS/QZNB^+R*)&WNJ!L"`@QD?;J\U)PJ*VV.
MXELZ/@6TZ`/2PWI$87I`[GM4M"=ERY*LUA#`\^O-3FGGAT#H?BC,^('0..T>
MC\JZW^8W>(GI5LOM=D^H5\81JOC\\!9IW.[D&97)"M3LXLM!KS*=26XXAM.G
M!$N:+,YUZ"X0P&`P&`P&`P&`P&`P&`P&`P&`P&`P&!__T-G[B,!.@><WEHJJ
MU>TT"0G.87@ZHP5PH?$:Q"E7`Z>I+DI:*OTNBREXO4K#3DJ['GF)DV#4(=-2
MX^.PZTP`B-7J+@>)*CCJ[>Y"<\@:MY`SLC:6M6ARK7$:W1O.K(U$"M3_`#UQ
MJ+L$M78E8D@IPO8X@40EO1GP/E=-,,K54OX9$[XF<?>U`(<!FECUR&U`1XJI
M72FEQ9?.X/DME'+<4+LHC\8\WJ\;$G[VYK:&0TNA_*DN/OO#:D[G_)ZCS,RT
MEU-J2#1;Y%$K)QSLD^]"BFH?D'_?"0NOAQ<"TYJ1VA;8C32%-M-)WK_IZPB&
MO$*`AJO3.J0%?CQXJ&C/)/R`9`CQ=*2.*TKHTN\I#6E*4K2=NNJ5]N]_;O"W
MQ:_"&`P&!33J7GEX]<WMY?+8&7LG=^W!JT@CA?CC63.Q]/C'-KVC7XP`K2U5
MWF`GKK>]EVR2@@4IUZ[>UK[<+E[\1N@3^0WR&TRN4-HO@+S<M*=D1L`[7/(?
MRG/$4K>G&G9^0`=\>N4G.L*]/^W#O^VU:]4OH5Z>@XGVE3CW@QX[\>M+73&Z
MU+]5[=IM;9/?^\625[%VAW2W7'5-QESN;QZZ7':^)[$QU>8AXQMM*4H&3K6#
M;_BW^$,!@,"'ZCX]<"Y_T&U=;H?#N/TGJM[3+)N_3:CS2EUOH-R3/2PL_.)M
M5SAH4*QV%,U.@L&EZ+)>^9+90\Y[G$)5HNWY3!A#`8#`8#`8#`8#`8#`8#`8
M#`8#`8#`8#`8#`__T=L7@TN.]_(9Y5Q9D37HR516PG8TD*H<>BIJ8@0P>6MO
MF&VBN\[B^M6-+4E(>UW4S8I`5G:FD)&;TD922^1F/\>W0J5T:B]2DZ/RNI\F
MC8CJ1E:*@:AU</K4:_(P-=@HZ1+^J1#YE=@?CR##SZ08]WX;FG_G2$(/++VL
M68]`L(8%:/&'^R=B_P!E^_?Y!E,+?%E\(8$$]XNG=JG"08OC]Q6(Z_<K'*.Q
M3I=PZ5#\QYYSX/0BW$VJ[RJH^RW26CD$>U#8$!"21A*];2M0J-_'T69[58O_
M``X['W+WF>:GDQ:KK!&J:=>\>?&Y4[X\<$'9VUK3L399V$GCN\]5'TZA*E[D
MK0!$E;TKWQ*$*TVD;G47,Y9Q[E/#ZF%1..<WI'+J;'I1\K6J%6(>K0Z7$MI;
MV4\'#B"-%'/)1K;I#NEOO*]5+6I6][V3M(^`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&!__2W-N0\OZ!!]WN_0+=3*D"J1A+A#2W0F]UDJ>O
M+TK?0IRBJJ>H:)#GJU6X*BB-Q4V%+.J=(*C(I;:S7&"Y$HOBQ]-YU0N=L20M
M"IM9IHLR:Q(RHU9A8^%'/.&C@HA@HEB/88:<>;CH]EK2MZ]?:CU_YWO>R,SP
M&!6CQA_LG8O]E^_?Y!E,+?%E\(8'6$S4,%)Q<*9+1@DS-MGNPT22>*Q)R[44
MVP[*.18#KJ"CVXUHEM1&VD+TREQ.U^FE:]0[/`8#`8%>/*+RDXWX=\D/[;W6
MQ+K5#C['4*NZ6,P@T]Z5N=BCZZ`@*/V^PZ<B/T:X>;IK:G&(T,E_2%Z9VG99
M-XBP(Q(Y@[!8C[)0A3+1(I0SJ'QR1WT)=8?8?:4IMYEYM6E)4G>TJ3O6];],
M(_;`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`__]/?XP&!5CI-,\A9
M*\.G\]N`T96#"C7R&Y69>_\`Y:D4D*)I'T"*"CAAE1\-T/YR;L@A^R5RH:`Q
MF"5,NE@M%X9KQ2M]:J;-LA^G63\9B)F4E4^U'2C)5A/AW5%L:"G(J/@H6'AG
M@1!15^@VROC/D/*4ZK6DX.&%>)C<JS5.LMS9D?(2J/)3O^C#(N-)AX]]S\Q)
M;:5C1A<M.$B(TWM.MI66_O:M;WZZUOTT+XS/M7DOPOQU9CB.U=$B:"U,0%VL
M\6J4$F"MR$)SH"-DKB4(B)C9!;ST0',#*T.G6R2=O)0PVZOU3H9:R7?;>,)E
M"(177.8:FA"9D(N(W?JIJ4%,KJ5JL`A`&Y;YMDF"2VK9C:D:6+I._B:3Z;PF
M/'CRDX3XY>0'FUQ+R,WYLR]$7S*Q0U/GJK"3,O\`!:F(BNW?HL(QSNZC?#AJ
M#%S->H,\58CO>]'["!><V\R\YZKU/VR6&5ZRW+R2XK07#DV:ZH89C*@/?)&1
MBH"T6:%!JQH$Y*QDB7.UB$F(9AZ:C*T>1'B*?T9(,".+&:=2GUS*XYU1[]R:
M\V5%0K=G((L+H^G6P)&LVVOI63]`A;8N$T;88**C]VIBIV,"6=A_B_56HHMH
MQ8Z1EZ=PF)CP&!&'5>)<8[M!`5?M_(^8=DK,7+-3\97>JT&J=#@HZ=9#,CF9
MH"(MT3+QX<LU'R)#"26VTO)9?<1I7M6K6QN=,^AX>(KT1%P$!%QT'`P<<##P
MD)#@C1D1#Q$8,T%&Q<7&A-,!Q\='AL(98890AIII"4I3I.M:P.QP&`P&`P&`
MP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P/_]3?XP&`P&!6CQA_LG8O]E^_?Y!E
M,+?%5/,R1\4[?T`ZG>8?*0;!4^=5CGK5-M8=ZN+,R^WY*62T`E1XU3K2JD0P
M7&D>-,B=(/#2$B<S%`M*$0O99HS(F^*[<PN'\:?8(:6Z17N275-_['R>^^8M
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M`YR-"'6^,X[M(LKUZRLF`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`
MP&`P/__5W^,!@,!@5H\8?[)V+_9?OW^093"WQ(G:I"6KG).KVVJ50&XW2O<U
MN,[6*V5%ZE-6>Q5NN34M6*^\&VIHD]HZ8]&4,I<2K>R%:1M*E[WA'GG-=5\W
M`[%*-4+CU4L-(UT#J58$F"N.V&KS8O+8.,JXD58M@/68J.FVBE#R$G"-1CL@
MBV",!"K;BS77`@R\.WBNI>::>;]8E+[X[P$7=XBD\L.YY(4?GV[B(/>[$/!2
M_2*3*U<NZ`VJ9CXV4>CMM3$*Q-`QY:#"7M'*C4Q[D7CY<J(Z/YLANV<R>Y#3
M1*K#?G9'-N4SD4]+6:9'B8&YS7-M5:H2U]KKLG$VAV,ABE#F%#*.E;&Y'OOQ
M[D<4K=3)\K$^/KMH[%0&S?(.AU0NX4VU5%H.:'I<U7(6<EJS7J!T),S`0-S&
M8LD>/SKK1Y\2,HMD=WZI6_G4L#N^U#8OTMKA#`8#`8#`8#`8#`8#`8#`8#`8
M#`8#`8#`8#`8#`8#`8#`8'__UM_C`8$4==ZD/R>%A)DB&(G-3$\_"MA"D['*
M6H2JV>VN,1R$AF;DIZ6'JRP(D#T:^HRY8HOQ6OC?$26.DXIVP3L#-L&>K[U0
MLU*F4P]AJQDH-,'1ZEK,&9*>,CV$1^V29"+-9;TAQ:]_*J4K24J;VH6("\;^
MT4^.BNP,$0_6'%K\D>\$:4#P7N<HSI#U_DUH2LB,YT6.V\G7_O;4K3C>_L4G
M6_LP7Q8K\]J3]Q]E_;GY"?IA@P_/:D_<?9?VY^0GZ88,<#_R,YM]4^A_(];^
ML?3_`*K]-_\`'GR!^=^F_,?*?/?+_EC\3Y7YK_I^_P!/3W_9_P`X,<_\]J3]
MQ]E_;GY"?IA@P_/:D_<?9?VY^0GZ88,<`_R,YM%?)?4@>M@_4I`:*`^9\>?(
M%GYR2,]_RH(_OYCKXI1'PU>Q&OM5Z;],&.?^>U)^X^R_MS\A/TPP8?GM2?N/
MLO[<_(3],,&..7Y`\_`%).-BNP"AACO%EDO^.WD$VR.,.VIY]]YQ7,-)0TRT
MC:E;W]FM:]<&`GD#S\\48X**[`4&8.R6(2QX[>03C)`Q#:7F'V7$\PVE;3S2
M]*3O7V;UOUP8Y'Y[4G[C[+^W/R$_3#!A^>U)^X^R_MS\A/TPP8ZB)\EN6SKD
MPS#,=6DW:_,/U^<;"\?._D+BIL84,XB*.TWS'>QCF0Y%AU3:O16D.IWZ>F]8
M,=O^>U)^X^R_MS\A/TPP8?GM2?N/LO[<_(3],,&.H5Y+<M1/LU93'5DV0B')
ML#$)OQ\[_J3=A`S1(XN5;$_+'XJ@1SSV65N>GM2XZE/KZ[U@QV_Y[4G[C[+^
MW/R$_3#!A^>U)^X^R_MS\A/TPP8ZB9\EN6UYL!Z<8ZM$M2DQ%U^-</\`'SOX
MR#IN:*0#$10VW.8IT\=(F.):9;UZJ6O>M:UZX,=O^>U)^X^R_MS\A/TPP8?G
MM2?N/LO[<_(3],,&'Y[4G[C[+^W/R$_3#!C@1/D9S:=BHV<A@>MR</,QX<K%
M207CSY`D!R$;(C-E@G"/M\QVV^,6*\EQM:=[TI"M;U_S@QS_`,]J3]Q]E_;G
MY"?IA@P_/:D_<?9?VY^0GZ88,<`/R,YM(DRP@(/6RRH*0;BID=CQY\@7'8R2
M>BHV<:!-0GF.]CDN0\R(3I"O3>V2&U?\*U@QS_SVI/W'V7]N?D)^F&##\]J3
M]Q]E_;GY"?IA@QP'/(SFS,J'!N@];;F)&/DI4&-7X\^0*3"XV&)B1)4YAC?,
M?B.#1Y4Z$V\O6O1"RF];_P#?K!CG_GM2?N/LO[<_(3],,&'Y[4G[C[+^W/R$
M_3#!C@27D9S:&&;+E0>MQXKTA$Q31!?CSY`L-.24[*AP<,"A:^8ZTHF3F)%@
M9A'_`"X\ZE.OMWK!CG_GM2?N/LO[<_(3],,&'Y[4G[C[+^W/R$_3#!A^>U)^
MX^R_MS\A/TPP8R;\TJ!^5OYU_B4+\K?P!^:7XQ^$9]/_``!^'?Q9^)?@?+?4
M/DOP[_W7L^#\;V?9[/=_3A'_U]_C`8#`BWKQO2`:7*/\Q"9*LC7TMX/:4#''
MN?"L$0N1CA8N12/&[^J0&C&-&ND*^GNK0_\`*EZ0IK85\BK%Y8AV'ZE)4N+5
M5'+.]J3J4%'P"+"@5HEM\]R%LIDT'$28,H80$*$48.,\H?ZD\5\'W#$`%X75
MPCC&+,0.I0#`Q)6ELZ0R86Z".IM3[:2%J)9"D'$K:&VM:$Z:WIQ:=(WM&E;6
MD*4#SGEF:,X=#!1[A9E&D"X=-NI@4.3'V,>Z2[D/#6E8IXKA4G-0#L>R8.&@
M>,BTM$Z;D#]+:EVR\+7\^DK#+TNN'VR(DH.RNQS;4U'RR8AN0T>(M8CQK[,$
M?)Q0R97;'S;;+3Z],MO)0KT6E2=$9C@5;Z7(^27XNEV.>Q-<7`183\A!ZEH<
M66#FR$-4)FNAK*<FX8N+EC+#)V/ZDO2]L,0D4/\`#^6)+T6DO"?*7(3,I58,
MVPQ<C#33H*$2(,LJ,5(?,CJ6.HU_40O8+291+6BD-Z2RXTV\E#K+#J5LMD91
M@5WZG)=?3:78SG[A0D(W3(HPXDFFC6,%^1+O4<'(,P*_F0]$3(E/9/=+080V
MV*WL50@4L\0\@$O#YY%-]U(MUGB^K5<>-KKT:)+U`Z'1"ZBX/3OR3Y5+DSAI
M1Z2L$]$*E5!_/M`@1Y*8QQYI&]/HUH<+%81%_63NAQM<%-YL"J4FAI)]\F);
M'CUO38P\!.DQE?:D9(E(M;38[6S&Q[LJL60;C6"7"'6$L(=('"`J;/\`E2-9
MZ(7::G&.TV<>CQ;O%P\1!"66'F2HN%1-STK*O3PP"ZY&VJ4/&%;"%-.?AH,=
MY;BG"]O*+PN;A'$/4X@`U3/S>WDB$J:T`D59^W$LKVCY)!VE!++]VM?#T]K;
M6U^GO_I]<"DIAWF"'$;(`!BY6T(C:I)%.'5NK;4(T="5URTTJ$=&F8<2;._$
MDS).LR)!$>.(/76V'A7G#62GB\+H01A<C"0\A(1I<,>?%1YAL0>X*Z=%%E",
MODQIKH*EA.E@O+4TXIG>VE+3O:-[3Z81VN!1&P6#S,8>2(/4ZW.:$WT7;LF'
M#1(`13T7-WYKELO"QDE.3A$>=.2D?6VB1""2&PJZ>66LOYYG6T%X3YRR4[&J
MP6J$ZC&,EA"+4JMVV&CHZ$@3Q!2UC.?%B79N5G&9"6,>(<%1[WFF(P-A+ZDD
M+T3("YXG+"*T=&F>^QMU.#I[(Q=:+-Y8[57QJDV8&PEPR[+Z="W,]R=*/=01
M&0P*03!F(QADZ4`:>='&9D3]EX=!09KR2!L%0&N$"U+4XI1D9(_2H6`@9<!H
M.7E8"OSLBEV7:#$C9F&"78306&6R8YAX&-;4Z6P_J5'"VV$0YU\CK@H\`OE;
MD=Z/INXE@21769T\)]7-K>92)L71=G@!'08Z_`QS)0'L4](:+;2D@5MM[;H5
MZ38_,59"Y!JJ1$2"V/!?589V-AI26D'"8P;1\K%SH98`RY(.'#*64R_'K2U,
MK!8'0^*R^.67A=N-)(-C@#"XXF(++"%)*B3707S(LA]AMUZ.+>C"SXUXD)Q>
MVG%#OO,*6G>VW%I]%;(Q#J+MZ'YQ>2>8_3]]"%JTT536I2.^K!%6$4!XB,`=
M!W+0;;BY`AO3#:G"FVFG'$N.:<0E3:PK]:R?)EJ39.JFO40VT]1&3'S-=JDB
M7`U"'=@X^KD)FH\J.4^NSIK<E)1[&Q5N^LY'H,6O<80R<7A._+)6]2U0%>Z1
M!+@K@.44++MHW':C#B$J2\Z97V0)"2?'K[+[ZQ!4EN**4@;WJ<(0MLL@B1L"
MAR[7Y=$1Z'1:SJ1$?CGCV=R%;AXZQ`-*LZ]Q.CXP]P*.>Z!'CML?,!L:W##"
M*=6P=(/#MDEEX3IQV6[@[(SL/V.'!<<&'8<B[/6P@8JKDK'=TP>TW'DS,E8-
M$2<F^2H+6]NH:B0A]$;20O1$@+GB?<(K-:;!V=OIQ,;742K5.3<>91[&RJ:@
ML!V*=8W+=!(U.B,$J8K9$*E0`I.]NG?B9YI#Z(R*$=.D"HH3+>7(U;@0R*W&
M2`Q=0M5>EA@:;5]E`6/Y.5BJA8S*V;;8F(;J"G7%&DPXIA97RP@@?Q4J==),
M'#__T-_C`8#`8#`8#`8#`8#`8#`8#`8$$>0?;AN$5*%LA,=!EJG[,JL#2%PM
M['/:#`OMU2U6[<E>;X1#V!JJQ)H]2<C0GM@D_-SAX`6M(V5\5LLY55LG\I'C
MC5[)(54R)Z6?)P3/6B;0N'A*N6+6!^*3LA!WEZ6T3<@9#_IHC5G!LL#O%&1R
MVG4M:4\VVII_-)?^4'Q]A;E-UDJ/N"H^K2QE8M$RTQ!K*A+:%98ROE1#T#]:
M^<?9CV#G#2U-KV:.,PK>A%Z]5):?S7`K?\HO%I2+N1TW1NH0IM.:4<]#QL/%
MVD@V('B^>ORA:9&+E6X(0BNS_5ZU%RK;A7PHLBP`.%/-,;.6"T_FL[[%YM$<
MP`D;)%\T`L5.9Y)RGK49*3U^*Y[.DQO5;LW4`(Z6J\]0B'H4V'92\6\/H@F3
M>4A`C(2RG--I&.@YY_(17^@?F<4+SPX6)I-;BK%6BOK$R.;<FYVZHH4/ZQ]F
MHU50%'/SA+"BRXY^;1#,.>DHD$A0XY`SIFW%?+>W=:EN"@F\,.JP'D!R^7[)
M7IE%X8EAJ_0:Y'5LB;-L`LA5JT:N1^J=(J0@+(2"V#M3!#VGVVX]>WQG?*O+
M_P#*=!-&VP4?E8<R%72H\,*T5[IK4K3I3ZETDCFA$^3-ZHX[\/1Z3.QI3-EF
M7!G!X]_82PDR<;)`R;LU?Y^UM?&KRKB?(NK6FSHY[>J#JN]FF^-MQ$Y"3,M)
MN2</6X&RKDYE4+#/Q]>$';FU`G/N/O184J(Z+\^ZOX?OJ68Q#E?EO;NCSG'(
MPKAAT!&=M5>SZW/MWAB0$A*QSP44J:G+0)(U:N'-N2FY4)B,8C$2C1)!"M.O
MCM,K>P8@69_E`CHQSM"8KBY=[9Y%OJ2&2J%TF"E1KDGF%,Z#:[!*1!4W!UL(
M6O4T_ETI#6TMQU:X64.A$`,S3<V$YL9URL]RSRQANF=MO?&!X&,;=IUFZ?5V
M;17[>BU1QTKS`FB,R\3)!MP$21!SC#=WUHU&E%1X!@JP/G7CT$C"C%NL(8#`
M8#`8#`8#`8#`8#`__]'?XP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P(:\C/_SW
MW;_Z:Z?_`/")S"SN)EPA@,!@,"#I_P#_`$GR;_Z.\A?_`)[XQX7Q..$,!@,!
,@,!@,!@,!@,!@?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>40
<FILENAME>g655868g11u79.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g11u79.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0DZ4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@`````````````!)0```ET````&`&<`,0`Q
M`'4`-P`Y`````0`````````````````````````!``````````````)=```!
M)0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!IX````!````<````#8`
M``%0``!&X```!H(`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``V`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#TPX]%3JF5L#6EVK1P88X#\B+Z-7[H0@RUCZ1;;ZIW'4M#?S'?NJRD
MI'Z-7[H2]&K]T(B22D?HU?NA+T:OW0B))*8>C5^Z$WHU?NA$0;;+0]K:MK@3
M#@03W!^DWVL]F_Z?YZ2F1JI:"2T`#DE#AI<T-QR6N)!>=H`B-=KG;_=**&2=
MSS)'`[!1&5C%Q8+F%P<6%NX3N&V61/T_>SVI*9U_S;?@%)1K_FV_`*22E)))
M)*?_T/30^U[Z397Z9W<;@[ECIX_=<K"K#(JO?2ZH[AN\".6//YP5>_K6-1FV
M85CF-OK8VPASBT!CRYM3[+'5^DQKG5V_GV6?\&DINW/+*G.!#2!,NXTY[M_-
M0J\FQU0AHMM@3LT9)_E2YG_@BK_;.F.J?=E9E#V-:76#>T5M8&_I-TN]U;6_
MZ16,9V!9MNQ75/WM!8^L@RPANPMV_F.K;6DI&:\QV7OV,;`@/V!PXY<_U:[O
MWF[?31GNR/3A[)G1WINB!^][S5M_ST=,0'`@B0=""DIIXK['U-/I7`.F188C
M6/=OLLN[*=MF4RRIE;&-87?I#M>_V_1]NQK&,=O<WZ;OYO>K#*ZZQMK:&#F&
M@`3\E))2(4`_SCG6&9U,#^KL9M;M_KIV44L^A6UNLZ`#737_`**'D9?IO]&E
MGK9+AN;4#``X#[K-?2JW?V_]#5:H8N-GL+W9.6;2^QSVL:QC6L80S;CM.W>]
MM>Q_Z5_Z1_J_\6DILU_S;?@%)1K_`)MOP"DDI22222G_T?4+?YRG^L?^I>BJ
MN::J[JW,;!?8YSC)U):]6$E,;&;V%DENX1N;H1\$*W"Q+VM;D4LO#!`]1H?Q
M_7".DDISW='H&55D4$X_HL=6P5%P@/+7V#T]_P!E<U_IL_G,6S_@]B*+LNB!
MD5^NS0>M0#.OTC9CDN>UO_$OO_J5*VDDII4]7P\FFN_!+LVJXD5V8XW,,'8\
M^N=M'L<UV[]*E;^UKK&BKTL:G=^D<XFRTLVN_FVP**+?5]/Z?VIGI_X-6JZQ
M6P,!+H[N,GYE324@Q,9F-5L:T-+B7/())<[C?98_])99M#=S[$=)))3&O^;;
M\`I*LX6[6.8][6M8Z6M:UTF/;]+\YJ&VR_:"773MDS6WG3LT?2_DI*;J2H"W
M(+7'==H)_F@/'AI]R.,J&ZU6D@@$[.9'TDE/_]+TZQKVOW%Y<=Q=6R!^X6^F
M'>W^4_WI%^0&R*R3^[[9XG][^POEQ))3]2N-[3`&\$$[@``(^BWW._.2!N+B
MV-H'#B`0?D'+Y:224_4@?D;9],@Q]'VSS'.Y.77#;I.[GCV_UO=[O[*^6DDE
M/U*'7DQMVB/I&"/P<FWW^[V'0D`::P.1[OSE\MI)*?J4NO#=P;)XV")Y^ENW
M;4MU\QMTF)T\>?I+Y:224_2V:.CC*QAFEQR?3?Z!'JQLV_II]+]%]#_2*?\`
MDJ'_`$^!N_G9Y=M_E?O_`$5\S))*?IK_`"9_*^F/]+]*&Q_9V[?Y"L8?V;TC
M]FG9.L[N?^N^Y?+J22G_V3A"24T$(0``````50````$!````#P!!`&0`;P!B
M`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`
M=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_
M[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!
M`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P/_P``1"`$E`ET#`1$``A$!`Q$!_]T`!`!,_\0`H0`!
M``("`P$!`0````````````<(!08$"0H"`P$!`0$!`0$````````````````!
M`@,$$```!@(!`@,##``%`@,&!P`!`@,$!08`!P@1$A,4%B$5"3$B5I87-U?7
M>)BXV$$R(R0846%Q&0J!0C,T)2:A8]1E)T<H$0$!``$$`P`!`P0#`0$`````
M`1$A,5$"06$2`W$B,H&A4A.Q0B-BT?_:``P#`0`"$0,1`#\`]$=,GMT5J5Y0
M0CN+YAW!Y8=R4I#7EDZ\B6";2U6?5\T_EX[:4'$1%^-KZE:?,]1D)"3H,H>M
MVM=K&LX]@@S5C8QW&N$X6)SR`A[]969I3>=_K<]8=>#L*QPE%Y%T64I.NX&?
MXZ5^=2UW'QUEDM?V1]LVOI3<O(#3(EG9X$BDJ0#E=B<$1HO9HA78*^E&*D^$
MIZG\]L@E--L%"=;6%6CI7NVI:5<;!;RZ:-K1LCG69(-2:*^(G*@],OYDA'/B
M%"IY09K:\\TKS.;?KTDXXO04CJ/9$?KQZ=C7]KSK*94DM2ZMVNC+-5U[7`KM
M"$9[.39F1.B<04:&4`XE4`I1I[2KY'F-])^-'U$VE^8N#3V>1YC?2?C1]1-I
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M,!@,!@,#_]'W\8#`8%:-$_>ES1_4O5?X=<3L+PLOA#`8#`8#`8#`8#`8#`8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`K1HG[
MTN:/ZEZK_#KB=A>%E\(8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`__2]_&`P&!6
MC1/WI<T?U+U7^'7$["\++X0P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&!7#D+M>1H44RA:\=)*<L"3KND`<-S.(=
MDCX1#+(L^\S@CIV*PE16.0$R=AQ*(G#YNNLSNQW[8TF[-Z#OMCOE14<62/7(
MXBETV",^8A4VUA*4AP46(G\T?.,Q3`C@Q0\(QS`)1[N\I':271>EMFKKQV3-
M[(IW,SD+956/+6ZZ]<:UUH9U6=5M=KE?5:-:0=C%O%:G@8?U/J.]0^S[+5_=
MKN20&O7:MR=A<N4'3=BTD)&.PZ>(D'5;K:DYL+4U1GI;D<W7%K;+5LJPST#R
M!B=8Q%0M#K:J-0X\5">G*)45K5;*BC,,/>%\LAVDR#>`8+-EP<2H-V86VXL0
M=GC=.PD_<G%\3L>R'LALYU6MBS]TG;'KN,N9TY&JZQ>!?967GXE_KZGA'Q<F
MW,H0BLVV>NQ3(HY4#*E</1/WI<T?U+U7^'7$[!PLOA#`8#`8#`8#`8#`8#`8
M#`8#`8#`8#`8'__3]_&`P&!6C1/WI<T?U+U7^'7$["\++X0P&`P&`P&`P&`P
M&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&!\*JIH)J++*
M$111(=5554Y4TTDTRB<ZBASB!2$(4!$1$0``#`@B2V38+N^=5S3S9%V5NKY:
M7V#($ZUN'$0^>2**8APFI`I1ZEZ%.E\@]IR&[RZQ)KV9^K=.K9*UI^IPK22]
M\(C<)N=34)8+!8TR/7TD"P!XJ21514*P:=P=2D3'N#H7N.82E$);2=9/U26P
M8,HMDUCHUJ@Q8,D2-VC1LF5%!N@F':1-),@`4I2AD:<O`8#`K1HG[TN:/ZEZ
MK_#KB=A>%E\(8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`__U/?Q@,!@5HT3]Z7-
M']2]5_AUQ.PO"R^$,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!
M@,!@,!@,!@,!@,!@,#3;G?:W0V!7L\\$JS@13CHIH3S,O+..I2E;1S$I@.L<
MQSE*)A$J9!,'<8O4,LENR6R;HL3JMVVVHD_V#YBHT<1(LRU_'N5$Y66(4Q54
M5K6_3!-1,AN@#Y8H%,7H'S4CE[SW,FV[.+VWV3O&QD=#,6T9%,FT='LTP2:L
MVB)$&Z*8=1Z$3(`%`3&$1$?E,81$1$1$<RWLYV`P&`P&!6C1/WI<T?U+U7^'
M7$["\++X0P&`P&`P&`P&`P&`P&`P&`P&`P&`P&!__]7WFQE[H\VK84(:Y527
M6J,\2K6M&,L40_5K%G4\IX=<L*;1XJ>%GC^\$.C-R"3@?'3Z$^>7J&;5EHI$
MTB5:3CTC1#4CV6*J\;)FBV:J:ZR;N1`R@"R:J)-5#%45[2"5,P@/0H]`YJ:B
M:R::R*A%4E2%4253,4Z:B9R@8BB9RB)3D.40$!`1`0'`K7HG[TN:/ZEZK_#K
MB=A>%E\(8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8
M#`8#`8`1Z>T?8`>T1'_#`A"?VD_F)1>H:HCT;/8$C>#)SZPG"I5GJ(E,J]?D
M#PW[I,`$2HI"8!$!`.\Q3)YK'F[,WMXZ[LQ3-6,8!^:T61^M<;TY#JYL<H7N
M!EW%$/*P;,PF1C&J13"4HD`#]HB`"4@]@2W.G@G7&MW2OD:,!@,!@,!@5HT3
M]Z7-']2]5_AUQ.PO"R^$,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@?_UO2=7^*.
M\JQ(;^8-M)5A>I[*V/36T,8J^I;K;-=Q7V7V:!V5>-9R-N)14-AUXR=O>15/
M97ERJ^@GTU)OUVRZ)%F$O&L[-^></]B-Y:JFBM?13V+US?;9=YR2G+'6I"S[
MXI%EY":;VS3]7S;N0%^Y>3>L:'0`B?%G7Q&"TC6H=)%X=D]<N8T97VT9KRPT
M;3#2DRJY:E+.)'94K&LJRI$OR:TB+W?;=;:C2ZZH]B'5==):JKMB9PS/JP4C
M3%C"`5`S?HF-2[HFXAU*?I%FYAUVS;/O.X)=IR=@U7%\V-'ZUC+7)D=\1>*;
ME!L^9ZDUYJVCIHQB*@-T!;0S=0R2916,JKW*&%\+GX0P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P()LO(S6M5W77M!2:EG6OT_2%-
MB*GBJA8):LUJI&F7=?CI:X6:/8KQ5::3,O&/$4%G)RH$,S/XYT0.@*HQIE@"
M\P..:L'4;.TV.E)UR].]@-JU.PU7NLU$.VNK-B1>J-@6%[(Q-<>M(.EUB_3;
M)BO//SMH4P.T7";H[94BQBXJ6:ELZAWN>O\`6:A9&4_-:NL;:HWQJQ3=F2K]
ME=PL?8"0RK]1LG'O7J$9*(BN5JJN#583(+"1=-1,A&8M5NKU+BE9FR22$<S3
M[@3!0W<Y>+`43%;,6Q>JSMR<`]A2`/0.IAZ%`1"R6[);)K4-^2OFY>IY3WAK
MW6BP%,E%)"5&WVMJ;Y!D%NI@B(UP3V^&`")RCT$%"B50MTZ_JSKV]=4WP%>A
M*O&(0]?C6L7'-@_TVS5/M`QA``,LLH(F5<.%.G4ZBAC'./M$1S-N=VI)-(S.
M%,!@,!@,!@,"M&B?O2YH_J7JO\.N)V%X67PA@,!@,!@,!@,!@,!@,!@,!@,!
M@,!@,#__U_?Q@,!@5HT3]Z7-']2]5_AUQ.PO"R^$,!@,!@,!@,!@,!@,!@,!
M@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,"H^S^,#K97(_4^\U[PE%1VL(1PU9
MQ3*LLFMS:29+;5K)X-=V%%.8J5;U2X,81>+L45+)S+-U&N54VB;-9RJY*7.E
MC1;KP7K]S:P;9Y;F2RD1;.0=C;/YND-)^1JZV_\`?9M]+VC5KE:>9EUUN'7<
MPF@T@;40KXS;PO',R,?L(F,OO6-"K?'2T[-K6FY6V[0LNQ9.M2"L#89=>:8T
MAQ7H!.#?R=DMSQ=5[+2L[(&4>R+ATH+UTZ./F%?&'Q%+.OF[,]NWB358NK:J
M,642N&Q),+G=`#N;G6)_]OUX!'O*W@(PY")$\$WR+'(!Q,`'`I#B(C;?$V2=
M?-UJ9,RT8#`8#`8#`8#`8%:-$_>ES1_4O5?X=<3L+PLOA#`8#`8#`8#`8#`8
M#`8#`8#`8#`8#`8'_]#W\8#`8%:-$_>ES1_4O5?X=<3L+PLOA#`8#`8#`8#`
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`C^W;/IE*$&\Q+$5E3]
MH-X&+(,E..3G]B::<>W$QTA5_P#=,L*1!$.G=URR6I>TFZASQYNJV[),@H2R
M0MHL+$$"L$Q>P:3&KN3]XI!W`(LH=N`")SF`QO&`1-W+"(#T_;)Z<OW7M[=A
M%1IU>I,2E$UZ,0CT.A#NCIB95R]<@0"G<O7BH>.[6,/7H8_L*'L*!2@!0YVV
M[NLDFD;3D4P&`P&`P&`P&`P&!6C1/WI<T?U+U7^'7$["\++X0P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&!__]'W\8#`8%:-$_>ES1_4O5?X=<3L+PLOA#`8#`8#
M`8#`8#`8#`8#`8#`8#`8$873=.I]=6JB4>];!JU5MVSI8L'0J_-2K=G)6:54
M.1!!G'H*&_SO'JJ;5N902$</5T6R8G<+))G&*YTCMK5<.DJM+[,U]%HH61W3
M5E9&YUQBDC;X]$CE_555',DD5.R,FZI5%F(B#I,A@,8@`(#@;3'V&`EI";B8
MJ<AY.5K+MJPLD9'R;)[(5]\]8-Y5FRFV;9=1S%.W<6\2<I)KE3.H@J10H"0Q
M1$,Q@,!@,!@,!@,!@,!@,")K'N6I0ST82'\[=+,/>5.OU)N,LY!0@@4P.W*'
M<T:$2,/^IU.91,`$1)EG6_T9O:;36M>&#V_?P[K%,HZPKRO7K!5A4C^TN4##
MU`CVP#U08*=@].K?Y?:!T\O[9MJG[KOI$@5'6U-I`">!AD$WZG>+B9>"9]-.
MC*^U8RTDY\1P4%C>TQ$Q(F(^WMR6V[M22;1O'83O\3M+XG;V=_:'?V"(&$O=
MT[NT3!UZ?)UR*^L!@,!@,!@:M;;Q3*%&&F;O:J]4HHH'Z/[%,,(ALH9,H&,D
M@H^70!PN/<``FGW',(@``(B`99+=H6R;NCGGKRPC+_8:$&B-C75M$P+2S,YV
M8KSJSU.$F'Z[F&,W(R6!2+/,C'D14`RGAB0@*E[#&`_7/1^/IB7ZCCW[9Q\U
M,7PLKU=[?/;E1MMQM5H18Q%*49)6*PR\VFT46>60JRC4DD\<E;G5*0H&$@`)
M@`.OR9G\TDG7$:_';<YJ3VULV\Z^()N2BQ.PK^YK<WKJE,JS%^&\)5-)F<TJ
MVN1L;_5EAK2<#?JM.V>J+KIW6-FFJR$_(LH%PB];)N$VG!U\,"_NO)B1T;I2
M[5";V5-[BK_`B5WY>H8T>Q;-=D[DCM-1K77VO9*KHUI&(8SVPMG3S^3?)LFJ
M2B!X!-H1LFBZ$H1=/[KA<7+=:[;6+[ZHF']F1K^R%X.LVU9^TF86SP"E$H5@
M5>U6>;4BA*3<3%V2>D8MVLLR$Z4U'OFY#)HHI-F]2OO1/WI<T?U+U7^'7$[!
MPLOA#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8'_TO?Q@,!@5HT3]Z7-']2]5_AU
MQ.PO"R^$,!@,!@,!@,!@,!@,!@,!@,!@,!@4DY'<?=F;0W1QXV'0)BMU5'6M
M]KLW8;:WDI^*NC2LQ*%Q4L]9?0H%EZ5LZL7=G,H1[9J^:QSZMKG=.VCM;SZ@
M-"RZ5$-UX*VQ:5LS[6=BKU%82J7(F!K%?K-AMNNZY3H_>D7QX1A[DZ@*1%I1
MEY=ZYEM'+*^D)`B=>GD)8Z3M=,`'(N5R=8:@:ZVV#O:U1;*MQ</MRZ05T0C:
M]')QBI9=&I143:):<1;LVK5Q-V*Q-G#Y=R4557)UQ46.*IC94MV3AA#`8#`8
M'XN5O+-UW'A++^`BJMX#8GBN%O"(8_A()=2^(LIV]"EZAU,(!@4(T_SUA-GZ
ML@]GR&JK5!MYW?D%H<T37[%4KRK4I2S["JNMXF4V4NRD8ESKN186*XLFTI!2
M39*:;.!/Y9!ZT`CPY;,,T]YW:RC5YQH_9(M'[/;%ET]`1#JXU!C-3]CJLEM]
MH^DE8^2DF/NFOR++1MA=1R_>X5D"M!112,Z`Z!!BKA5&R,KE5*Q;XQ-5&.M=
M>A;)'HKN(MXLDRG(UM*-4UG<)(R\*Z5(@Z*!E&;MTU.(=R2RB8E.8C-.7+9F
M@JZ>.$&K5N0RJ[ERJF@@BF4.IE%5E3%33(4/E$1``P(:D=T,7[M:%UM!26Q9
MI,13.M%E\K6F*H^PII"PNBD9@G[0,4R?<F?Y/$*.:^?-T9^O\9EP?LYO=YZJ
M[0MYV<4MU$:123JQ\8*1OG`A*RZ@"]D@Z=`.F/<0#!U(IT'&9-H8M_E=$LUV
MJ5NI,P85N%80[;H4#E:(%*JN)0`I3NG1N]T[5Z!_G5.<P_\`7);;NLDFT;#D
M4P&`P&`P-;M-RJ-'C#S5SL\!5(D@B4TE8I=A#,A.!1-X9'$@NW346$`]A"B)
MC?X`.62W:);)O53Y#FU39]XXA=$4#8W("<0,*)UJ97GL7363@!`!3F+E.MFS
M:.1ZF#HL1NNB;N#H;VAF_P#79_*R1G[XF7`)5^;6V@$UMO%(XVUM?YIH'7\>
ME>[^HA\TYD'UFD')H6.<&$W:5S'*@8O;_P##$!'N9_'UVEM/WWSAMM2X4:-@
MI,MDMT9.[DN(F`Z]KW%.N[R^7/U$X@>-?>'7S$!4PF)WLSJ$$?\`./RY+^3M
MM-)Z7XGG6IIMNEM27Q"%;7'6]+LC:N-W#2`;RM>C72$.T="@+AK&I';^&T;J
MBU3$2$`"_,#V9F=NTVJXEWCDT74FL-9*22VO:%5:8M,$:IRBM=AF46H_39&7
M,T3=':I$,J1N9RH)0$>@"<<7M;O223:)!!-,%#+`F0%3D33.J!2@H=-(RADD
MS'Z=QB)F6.)0$>@"<>GRCD5]X#`K1HG[TN:/ZEZK_#KB=A>%E\(8#`8#`8#`
M8#`8#`8#`8#`8#`8#`8#`__3]_&`P&!6C1/WI<T?U+U7^'7$["\++X0P&`P&
M`P&`P&`P&!C(F:AIYLH]@Y:,F6:+U]'*NXE^UD6R4A%NU6$DP479JK)$>QSY
M!1%=(1`Z*I#$.`&`0P,G@,!@,!@,#CN735DB=R\<MVC=,.JB[E9-!$@?]3JJ
MF(0H?^(X$8R^[=8PZH-C6EI*/##VI,J^FXGEUE.G7PDSQ:3EL"GL^0RA?;[,
MOS>&;VZSRHNMROV`NY3MWOFIMHZ*922#I@T*LI3Q%(ZP.%Y,RDH9XJNP.F4I
MS@Z1,04A`H)@=0H]/B;8U<_OME;&I\@2S59@9I_K^_NO>43'/%YJL5HTM5'2
M[AFBHLXB9`DBHJ=@LZ,8$`,!E`()>\>O7IB]<7=N=_5;!]O]!1]LFG:(4`#J
M<92JS"0)]G3QP/Y=NYZ>6Z_/Z=0#_#KCYJ_4<]KOG4;OIX5T9$Z]W_S3&89?
MY?EZ^=CF_3_M_P!?\,?-X/KKRV-KM#7#P0!"]U,3&$H%(I/QC=0PG_RE(FX<
MI'.;_L`"(#\N3%X7ZG+8FMCKSX`%E/0SP!*8P"UE&+@!*4W88P"DN?YI3^P1
M_P`!]F3%X,SEF0'K[0]H#[0$/\<*XC]BWDV+V->%5,TD&CEBZ*@X<LUC-W:)
MT%RHNV:J#MJJ*2@]JB1R*$'YQ3`8`'`J_4>*>I-;4NR0SR4L\PVE]FU;<=CM
M]NL)7-B<S&N-HL=OTA"5G`;M?.159L$2B0QURG=OD?%,[766645$MK'3VA-+
MR<A%;EFMAW%6=@963L6L-C2EY0E9'6GOY.[(34;0'4ZQDFRC"68[!F&)VTBC
M*+)L%D6*(IMF+!!JQ<^T^M/3/T^SA%U&K:TX\4%TM3J17(2E5F=LBTBRJ</7
MZQ%M82%;-G4DLK.V`K"/9))&$YP<F[>XW>(B8=8DWK/U;_&-J;Z=<V)=*1VM
M:9"Z.2'!9&`:&4AJBP/T_P`B4>T,DL],D/0`5.*9CE#H<IL?6-H?.?Y7*9HZ
M-CHAHDPBF+.-8H%`J+-BV1:MDB@`!T(B@0B9?8'^`9EIS<!@,#^"(%`1$0``
M`1$1'H``'M$1$?8``&!IGVD:[^GM+^M,'_\`KLOSVXJ9G+*62V5:FQ*L];;)
M!5B$1Z>++6"68Q$<03%$Q"B\?KMV_><`'M+W=QO\`'$ENDBYG*ITGS;H<P^<
MP6D*7L/D!84%#MU`H-<?-ZHQ=$`!`LS<9ENU8L&A^X.CA))RB/<'M]H==_Z[
MOVLD9^YXU8\T+S>VV40F;%K_`(R5AT``>.JZ!=D[+*W4*/CM74TY41J[-8Q1
M[2.6)TEDC=3`4>@=S_SZ^+:G[[ZC9*IPFTK%22=DOC>Q;MN8=AE[3N">>W%5
M4Y1[S$+#.CD@!:]_3L(LV7,0H`7O'V]9?R=MII/2SI/.M6QCXZ/B63>-BF+.
M,CF:8(M&$>V09LFJ0"(@DW:MB)H()@(B/:4H![<PTYF`P&`P&`P&!6C1/WI<
MT?U+U7^'7$["\++X0P&`P&`P&`P&`P&`P&`P&`P&`P&`P&!__]3VJ1/-#C;+
M1NP)L^Q20,!K>TPM.F[!<*Y:Z;!R\[8VJKJOH463L\'%-=B(SQ&JPL5(,S\K
MQ-,%T/$;+-UEBXJ0Y??6L8.1NT9)2L^FOKV3@8*TN&]`V$_B4+):?185NJ1$
M['U5U"6FWSJNPX9)K$13A[)+K/BI$0%0BI2#"0*I:X"\5V*M57D"RD%,MS.&
M+OR[MDJ()K*-G+9Y'R#=I(QDBP=H*(.FCE%%RU<)G263(H0Q0(@G1/WI<T?U
M+U7^'7$["\++X0P&`P&`P&`P&`P,=,).EXB518MF[UZM'/DF;-W).X9J[=*-
ME2-VSF8CV<B_B6ZZH@0[E!NNL@41.1,YB@40ZA./?#S8M5T8E3W>N_1AZAS#
MU-M+7E?=R]8@;:C3J;R+H$M<I+8;S6DG%Z]VA[KU54U"03]^R"35;D,FFW3$
M6IE(U;J_26XD<EUYV[2EX?M[]%VK><;LRY-Z&GKQ_*7]-SQJNVN_,0U;Y"#9
MZ'$0-%OTA#(1<))^(1M&-/'(JX<LVYW`S':IK>,LD+KNA0]R-#GM\32ZM&6H
M]>4D5H`]D80;%K.&@UI@ZLNK#FE$E1;&=&,Y,CVBJ(G[ARLMCDIB)AD!=3$I
M'138.O5Q)/6S%`.GM'JJZ523#H'_`'P(M?[XURW7\E%R+^U2/M[8^JQ+Z8<*
M=![>J:I$DF*@"/\`T6'_`/$,OS6?N.#Z^VG/`(574[F,0-T\.3O4LWAQ3Z_)
MXT"CUDQ]GM'M./3IT^7IEQ/-,]KMU:K<'5QKL4>>VWO6G:NKY?8J$,@QBD%5
M?9T;LYRQ+HR1W(]P`1-(%#J&,``41Z99BZ=>N:ESY[8BJ(;)J>PGAFNA]1;7
MY.RQ5CH?:%?):5JFL&3DJGA***S\P$8$CY80.8[4S9,RA2@"9S"/4-_-G\NT
MC.EVEJ2(?B[N>_I`;<NV&&O:TZ3`'&J^.,4C3(Q1!0WB'8SEW<-36"9053$$
MG*"A5DS"`BFMU'O-/OK/X]<WVU\WS=/2%S?"O9$82,*SW]:FL!(O@?+P_I-L
MJU453,(MS.`]3)E<*I%[0,82AWF(4PAU*7I?]WGYU9_U_P#TL*RX!::A(Z+"
MESVS]9V9G&1[20MNM;_/5R0F9)DT2;K3+ED]<S<>T6>JIF4.DW(DF7O$"]!^
M=F?]O:[R6-?$_JY@Z;Y<TDH#KSD[%WEDD'1O7MTT-HY_R%'M\W<ZX=2Q.Q5,
M/0W5(O:`=0ZB(ACZZ7?IC]#':;=G"=;,Y4U;K]IO%2K['9$.475BT_<8UZ(B
M3YA#-:;;$%K&[$4P$2CXA>T.@"(".,=+MWQ^IGMYZL(GRGXK&<)1NTM;SVG)
M=8?`(QVOIIU"+"L)?$4(C(1D9,-TB!\H'441`0Z"/3KTQ\=_%S/5,]?,PFNK
MQ7%G9Q0/2WFM;4<X>*9O5[&T5>)>P0$%X^)DTWC00#_W#IDZ?+TR7[F^3'2[
M8;2/'S6*7MC8R7AC>P0/&66?2,4X#\Y0!<2#D.\Y/FC_`(=OR``^W)]5?B/Y
M]A\>@`A&;"VO$``&`A&%T6*D4HCW$3$BK-4QDDS?('<`C_B/^./KU#Y]UH6R
MM+7B1J;]M#;%M=G%(Z3PU=L#I%0DF5OU.9%-TB5#N<%,`'134`4A.4/D-T,%
MG:9V9[=;C=CM(:'\DR3L&QHQ)XZ-\Z"K4H0[E*&3.?O6>/62BAF?G'A@*/@G
M3-X0%`3?Z@B4CMV\0Z]/-6X33(D0B21")IID*FFFF4"$3(0`*0A"%`"E(4H=
M``/8`9AT?>`P,=)R\3"-3/IF4CHAD0>AG<F];,&I1_Z&<.U4D@'_`,1P(*L_
M++C74`4]];JH`J)%`RK>%G$+0[3ZF[>P[.L!,.BJ@/M$@D[P#V].GMS4Z=[_
M`-:S]=9Y1@;G9JJ6`?LXI.[MNB83D;GU[JN?>MUSE'Y@^--!!G(D8H@<1[!,
M5,>HEZ_-S7^OMYLB?<\9K&S6^>2UJA99*F\0;%&L%XR1(K,['V'6*HJS149J
M@54U9\):5=G[!$1334`2F#MZ^WJ#YZ2Z]SZ[>.KS69ZW!Z8Z'PHTX9&"M>R%
M+;NZU&C63E.4VQ97]E9,@<-4%#LF%?[FT(6,3Z`5-!PBY!,A0`!Z`&>2_D[:
MR:3T]$Z3SK5R(N*BX1@VBH6-81$8S3!%G'1;-O'L&B0?(DV9M$TFZ"8?X%*4
M`SFTY^`P&`P&`P&`P&`P*T:)^]+FC^I>J_PZXG87A9?"&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P/_U?774N#DQ#-.5[&6VC'&2Y(.ZXHU2K=)5KU=AGL-`-&$
MML"8H#2T%IOVH7:0%92??P3>#0F%BE=+I=QTF[,N=FS7/AJYLNTI':<-=J74
M)I*UL+O!*PVI!0E9BQ,+=J^TM3[DF&&P8O[68Z)1UVM&QA"MX5W'L90X$<F5
M3%18962U?J]MK_71J+*2"-H6EYG8EIM\D6-4AXZ;LNV+Q:-B7M:/A%)*87AH
M-Y9KB^\FR.]>*-&8IHF<+&(*IB(3XJ4>I:ZN/,>J4B"8UNNL>3E?6:1,<0Y&
MB"KWB%Q2=NSD*H=0X&7<JF.;V_*.%NN%P<(8#`8#`8#`8#`8#`AK=NRW&M:J
M1Y&H(N)J7<FCHPRZJ'A,E!0455D%&AU`<.RMREZ%*4@I@H8OB"`"!3ZZS-9[
M=OF>T,:FVANJ[Q*\3#QU>DG,6<2N;A9QD$&H$7,4R#19*,(0KN00(8QNI`Z^
M'VB<O7YQ[9UC/7MVNR6_LZV3.B!K;MR5:(&_SQM&C6M=\(!'J8J4R/BO50'K
MT#O2ZAT_QZY,SQ&L=KOV9"/T9K..4,_D(=2PO@#O7DK5)/)E50I/G"9=-TL#
M`2E]HB(I![/E]F/JGSUX1/;.6V@==/0IM,66V/<CB9%EK_2<"2VR:[E,Q4O+
MF4A`)!-%455`*HF=R"Z?M_TQ$.W+.G:ZW2>SZZS2;M2%]S5W3[(V/J?%BE.R
M@`/ICP-A;8<-51`HJH1I`1KL,95N(]4UP;O&R@AVG$?G%O\`Y]?=_LG[[ZC:
MZ?PKU!#RY+;L$;%O*]B)5%;5MV76M0$4ZF.9-C7U^V`09$4-U1350<'0`H`0
MX=/;+^3MM-)Z6=9O=:MJW;H-$$6S5!%LV;ID10;MTR(H())E`J:2*292IIID
M*'0"E```,PTZQ&M0V<[^(3N9W&&W*QJMSUO1H9U;'#JP0\7JZ.+2[DS:6/53
MEY(6_1ERKCVSUQ%-2'EH<EE8V&:<R!$!8HKG.7Q&FF@N4;;7_'\8^P;Q<[2>
M\2>/M.E8.3@=I/SPVR7,!;&&W=FSEY#<%9U2ZVQ432;*7?16PX58LTXAF[!D
M]%Q)N3L(NFJVW$-+:I879JVPHZQPU;7O,!]F$3;[1M&YV%I7V^I]<M+2<UBW
M/'PNRWL2OL="8%`)9@R6!<'!D2JLSM7*]2K>X0P.*]8LI)JNQD6C5^R<D%)R
MS>MTG35PF(@(IKMUR*(JD$0^0P"&!7&X<.>,]V.9>6U#5H]Z)@5+(5-%U2GB
M;@HE,5R"M3<PQ5%RG*!NY0I^H_*`]1S<_)WG_9F]>M\(\#B':ZD/B:;Y0;MH
M8)@(M8:T2##9U39CT$"$;5Z?29)$1``*`@=50P@'R_\`2_<O\NDJ?-FW:O[_
M`/[UHIO_`.C-Z1*1O_W?7%S=E*/_`+*BT,J`_P#YO00_P#Y7_G>8?OG%51Y/
M\X^2>LPI#%/4#C2DS(>HQER6Q2%OD-809!``U]+S\;Y5FO[J.[5\V`$Z@#E#
MV^W-]/Q]+G]V8SV[]IC3#%\9/B`[HN<Y:8^ZZ[MNVCHQ#->#B]145JJYC'@O
M13<.[(\]XH)QL4L@;L35,10!6`"]`Z]<O?\`%UDF+C]3KWMWF5QQW+R]LYNV
MG\48VJ,SF.5*9V;M6"3Z@)`.D9Q6X-`LPW[2B'<`'4`3&[0$!*8<Y_/2;]VL
M]O'4-5.>-J$!EMKZ+U4BKT'I0J1-79^T3.7V%.%Y,1DNZ1]G=VF\(Q^O0>WI
MC/XY_P!;3'?F`\3]@6(0-LCEOON?`QDCN&E(?Q&KHQT8@&`Z2S"$:R)/)JEZ
M`*93!TZ"/=W=#%?<FW2?\K\WSVK(QO`[C0W<DD)VFR]YERAT-+WFZ6Z?=K`!
M^_HNW-,MXM4.O0/:W^0/^X]7^SOXN#XZ\)TK6D=-T[PQJVJM>0"B8"!7,73H
M!J]-U$HB91\FP!XL<1(7VG.8?FA[?8&8O;M=^U623:)0R*K-;>4%7J7)*F\9
ME:?=)BTVS6LAM)Q98KTH6N5ZMM)YS7D3O&<I:(RW3RHOH]?S186,DSQR9FZK
MDI$5Q52+C3+!LN9NIY1MK%Q&,+=XVVK5M:HU.*M#6M:NG_>&G-H-]06\9.O[
M@M.OIEF[/=7K9%G%@@I/+E<DZL"*`HF0825I[>].W>M>RTU%R+2@V^>I<@_<
M3E"DB2$I7;-9:J_7;1E3N=EL$*R6>UA5=M[Z9Q+ART71532,`J`F+,)KPA@,
M!@,!@,!@,!@,"M&B?O2YH_J7JO\`#KB=A>%E\(8#`8#`8#`8#`8#`8#`8#`8
M#`8#`8#`_];W\8#`8%:-$_>ES1_4O5?X=<3L+PLOA#`8#`8#`8#`8#`B"X[0
M,QE!IM$C@MU\5`2G8HF'W37R>PHO+&^(8B;<B(CU%`#E4'Y#"GW$[M2>;LS>
MWB;H`VE==:\:V4/L'D$O.W^S7-V[@VSB.AF<O'1()LC.'<?%Q#YY',V3`&ZI
MB"IT[U.X>A"`<X#KK+WS.NS-QUU[:UK&M.?G$I5H_@HI_+Z[AJ_$.)D#66"(
MQ:/`!\T;*LHM.+D9R3EYQ=5^"H($2.L=)-0_^5,W1?Q=_P!2=^NTT;#_`,F-
MR;9`$.-FAY=U$.`)Y?:FZ!7I%&%(X]I9"*A$U`L-HCC=Y1`[90BH=#`*7LQ\
M=>O\^VO$7ZM_C`O$NY[/.#WD_N^U[$:J*%64UI1E%-?ZQ2*`B(,7C:*\"7L"
M2(]/#<',T<AT^<8P]1%]R?PZX/FW^56IH6L->:OBPAM>TRO5%@)2%6)"QK=H
MX>BGW=BDD^`@OY1<O</^HX554]ORYBVW>M22;1O>13`8#`8#`8#`8#`8#`JE
MO?C;J/ETUJ3RPVZP':4-[;HZ/>:[L%:,W-(2#J)86&/E%WL'943/(I]62(F2
M(**B"Q52*`)O87?3O>F<,]NL[8R_G'CAYK/C1-6*<HDY>I9W9HMK$OT[;)P#
M]LBV:.Q>)G:$AZQ`JIKF5'H83G4*)?D`!]N.WY+WDED.O6==EKLPT8#`8#`8
M%:=C<8ZOM#=&N-P66U6Y5/6K=-Q#T(%85U5@M4=::Q:8.X1KF2AWUCJ,PV7K
M16K_`-RO8\)E@?RCL5&AW;=X7.F'X3O%>H3E1>T0;KL6+JDW,[UD;;%1CVG]
MMPB^1&S9#:FPJK+NI&E2+Z.ABS4FLTCG,2K&S+%@;H5\9Q_N,&6\Z]TM$:_M
MEFNA;9<K;-V.&B:N@>UKUD4:[4H*PVZS0U9AR5FKUI5ZSCY&ZO`*ZE3R<H=/
ML!1T<W>90B9,!@,!@,!@,!@,!@,"M&B?O2YH_J7JO\.N)V%X67PA@,!@,!@,
M!@,!@,!@,!@,!@,!@,!@,#__U_?Q@,!@5HT3]Z7-']2]5_AUQ.PO"R^$,!@,
M!@,!@,#BO7K.-:.'\@Z;LF31(RSEV[63;MVZ1`ZF4665,5-,A?\`J(A@0$YM
M-NVZX6B=>*.:S1B*G;RNPG""B,A*E(82+,ZDU5\)8H&Z"!G)@*8@_P"*9@`J
MFL3KONQF]MMG/L%JTGQ?III"T3\548Q43G\>06%[9K2_2`OB^69MTU9>??\`
M54!,1ND8B!3";M33`1!)V[W2+^WK'71R7KW)#FY!UIQ0-'/:AKBNRSN0KS[8
M$Y$5NZV@[YD5#WJ>OOY!`D/#E1+_`*91%<5^\JB:QB]Q2]>EZ?CSGMJQV^N^
MTT?KP>X5[/U3MZ4MNZ:#5SP"-'DF=?5>2-8M)V5L5L%9<LGS)H@O(*,7B42T
M>E*Y*4AB%.8@&^?T%^3\D[=<=;J=.MES8LCRAY!;'U)O7C96Z]/U:,UG;]A5
M"K[332K3:_6]L%_=6B+J:4W`-+C`6JGU:SNZR[;1<^RCY-JC)MG"K[L:L5&K
M[@[2:5KUNY2[LK>O=OV%PTTDPONJKOM1NGKQL]DIYU:J3K>G4>WR2\"[L%RU
MA*2:56C;6HYL$TTCG"[5HFGY2!=.%4VZD7$T31I?>%TNNRK13KU'Q<.UD%-J
M3FJB0T+"N6=@H.M=ICKMQ+NKE`[DOJJD\@WDX=:1C)6O51\R>29V@(*+,'Y$
M*F%LL(8#`8#`8#`8#`8#`QTPDZ7B)5%BV;O7JT<^29LW<D[AFKMTHV5(W;.9
MB/9R+^);KJB!#N4&ZZR!1$Y$SF*!1#J$X]\/-BU71B5/=Z[]&'J',/4VTM>5
M]W+UB!MJ-.IO(N@2URDMAO-:2<7KW:'NO5534)!/W[()-5N0R:;=,1:F4C5N
MK<)7BGN63LFZ);:K-ULUA?[]IJ^'=:R?ZU]ZRLA2FNSDTF<?0N1+"WZU+6**
M,O`-FD2\.S$R3(K\'CN02<"^&=L.Q_54=;8C5^MXF_)5Y&]1="I\==$:BV(S
MJB5M95Z.;6-*L-$F[1-K7DYA)8&294DBD;`0H$*`=`K+?<!@,!@,!@,!@,!@
M,!@,!@,!@,!@,"M&B?O2YH_J7JO\.N)V%X67PA@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,#_]#W\8#`8%:-$_>ES1_4O5?X=<3L+PLOA#`8#`8#`8&EW6_5VAL$
MWDTY.9R[/X$5#LB>9EY=T(E*1M'LBB!U!$YR@)Q[4RB8`$P"(`-DM2V3="DL
MP7L#%78&_IJ-HFO8@2/V5,D)9"+BVY`-_MGEQDW"K<CAX?J'8U`2F[S`7H01
M.D;6VG76LXSKVTB)S<AMG[M,:L<0:*@SJ+148QWO?8,6O!T.-10'P3EHU:5;
MD?V5T@4H@7N0`C=0I2K-@3."@7YG77O=>#ZM_C-$EZOXF4NG3X;#V%+RV[-O
M*F266V#L`"OC1JR/444ZG`*J.HVMM6HC_H`055D`#HFJ0GS0G;O;,33JLZXU
MNM6LS#1@:=8->T2V3U0M-GI];G[)0)%W+TB>EX9@_EZK)/F*T:]=P4@X04=1
MJKIFN)5/",4#"4AA#O3(8H?$UK?7=D1!O8J%2Y]`+"G;@0FJM!RB(6M)J5DE
M9P3?,5R!84V9`1*]Z>9!(`*!^T.F!SH>ETZO3%@L,!4ZS!S]L6;N;3.0\#%Q
MDQ97#3QQ:KV"39-4'LRLV%TKX9G)U#$\0W00[AZALV`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&!UZ?$+^)?QV^&W1*I;=VC:;#8-@2<A&4'7%"
M8QLA;[,6%(Q4L,P0)J5A(>-K]=+*-0=N5W13>(Z23235.;M`LENSD_#W^)+Q
MZ^)'KRTWC1X6R"EJ!+1T+L#7]]C8^.MM4<32+Y>OOUQA96=A)"#L:44[%BY;
MNSF.+18BJ:*A#$`66;I71Y;4U7?>XM#!2MCKR&D:=6+=<;;$PL;98Q7U3!C9
M(Z(@:769F7V[8G;F+433;+,*XY:.I$%6)%?-D326&-)61@.5FO[#%ZAL3:M[
M(9U+=E9J5AI=JDJ@=M&JNKMK:;VU"552/*_6LLG9@I%>=+NB1;"19LUR>76<
MD7ZI@,;I5U5M"M[BI;>^5)O8&L*YG[O6BMK3`255L#>4U_=[%K^P(2=<FD&L
MU"K)6"KNB@W>(MW:9`*"R*2O<F4B+=$_>ES1_4O5?X=<3L+PLOA#`8#`8#`8
M#`8#`8#`8#`8#`8#`8#`8'__T??Q@,!@5HT3]Z7-']2]5_AUQ.PO"R^$,!@,
M!@,"&+CM4[>2<5"@,4;/<$DU#2"QU03K=413`?&>V*2`Y$B"W$!ZH%.4P"`@
M8Q3=I#ZD\W9F]M<3=3UONIJ>W/XG1L`[Y2[Z./@3MX(H#/4>O04!0`3/:5/`
MC"LDB]X(ILCAYHI5$TUTSCX`[^=,]KCK_=F7737LDVN<2Y&\3#&]<K;J?<MG
M:+><B:&U*O&Z>J"QNH"C&5K_`$`L!P3`I3KO4DP7(':LBJ(`<9>^-.DQ/[K.
MN=>URNJU:M6+9!FR;(,V;5%-NU:-44V[9L@B4")((()%(DBBD0H`4I0`I0#H
M`9S;?O@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,"!.2
M')W1?$C5\UN#D#L.#UY2(<AR$<R:_B2T_)^&=1O7ZG`M@5F+18WH$$4F3)%9
M82%,H8"I$4.4LENSS"\S^%O.OX[@5S?T#KFB\1=/:QAYJ-XRU/D([MD5M_<,
M%<I"!?3%VOS*M1=H9:_AY*/@D%XAN#)501/V^*Z;+)OR3=N6==/+LU^"E\*&
MT_#/H6VI+:MZK%VW#NU]42S[>BFEG%*J5:HR=B-!1$5*3L9!RTW*/WEJ=KOW
M*C)JD7L012(8$CK+),,]NWU^CLJ3XQU=3D<KR0E+5;IN>9Q$;'U*L2JL*YAJ
M4Z1B+C`SBM?F3PXW-"!L4;<%5%X(9+W)[P3*],V4<(LC,JF=,,=KWBA6-<6?
M5=BBMB[/EVNFM0U/2M"JME5UU*UJ&JE8@4(!W(M"EURUG(RV71%BT5G)%B^:
M+/A9-T`!)FD5K@RF[7M`AM:P$A78)S)NV4C>=G7]=666:KNB3.U]E6S:5B;)
M'9LF")8QE8+DZ19$$AE4V::1%5%E"G5.1$.B?O2YH_J7JO\`#KB=A>%E\(8#
M`8#`8#`8#`8#`8#`8#`8#`8#`8#`_]+W\8#`8%:-$_>ES1_4O5?X=<3L+PLO
MA#`ZW/B5I['^S.@O=;*[=7F(?8E5DTZUK-YLV`CKP_&Y4Z*CZC8[QIUVK=*)
M(ODI5PO$2#Z)G:R"S99-XR&0/$+(ECF7A+=4?M.XEL,UOF8TK+;!TW*VE.L1
MED]052C2E#W6O)535KC1]?C;:]8Q.VFU,;SCB,-(2Y8I9P=Z[%J(G3'_`"T?
MCY8>0C&S:YD]Q.-KQ]D0EFP[/<7%C?(W5;70!.,$`YA7ZB\@U;:N0W$IOLT:
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M)F-4E//WJHC)0LIJ5Q"L41<O4Y<!9*MU421SR0?&58H%QLW^>YDU6$L*4`2A
M722]1W2TZUUG*MG=.1CMAW^B[3JNF[I!,R/+,A)03>OW>T*`=R];I^,QA)1P
MFF8$69'XPGZ@;.@;[0B[`*DXK$<T=W"*LC*RN(MNXJ4[KRRSM.OD1-OF,@_A
M`-5K-67[5=R@Z69G!N*J:ITA*<2(%XJWND;(N/,>VZ[N55OM5?<FZ^@QLU+L
M,1::^\68\0N*31ZBUF8-X^CG"K-VB=)4I%!%-0HE-T$!#"WPN#A#`8'D)Y*?
M^IUM^E>2&SM/57C/3K?3]6;)M^O96S/[O.QLS-JU*QOJ_(/(MDC%K,6Y45F"
M@$%0YRNA`#`*1!`<6]9=-FYTMF;=79A5>9ND>;$)7K3)<S^.>H=;R$1"S3JK
MJ[KU;';29$F&'F"Q[VDR%O=.J#.D'Q4%EIPIW[=9-4B+,"`58W2=NO7;6N-Z
M=[?W;.PS24WPPUI$MHC3VS-'G//`DJM,QVSJ98;+;UE!.X([D)_WZ\E)TRJB
MAU$R@H9%/O-X1"%'IF.W:]MZU.N-HM%$6&`GRKG@IR'FB-C)E<FB)-E)%;F5
M`PI%7,S76!(R@$,)0-TZ]!Z?)D5F,!@,!@:G>;[1]8U29O>R;E5M?TFNMO.S
M]OND_%5>LPC05"(@YE9V;=,HQ@B990I`,JJ4!.8"A[1`,#4].[XTIR$K"UTT
M7MC7NWJHVD%8EY/:ZML);8UA+()IK*Q4DO"O7@1LFFW734%NOX:WA*$/V]IR
MB(LLW2Q@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#!V:SUNE5V;M
MUPGX:JU6MQCR:L-DL4FSAH*#B(]`[E_*2\M(K-V,='LVZ9CJK*G(F0H"(B`8
M'1?9^8O*3XG$_,Z@^&@>1TQQD8OGU<VO\12YP#]H>3\NL+69JW%FIR)(^1F[
M"5(#)'G5O!,S,<3$-&JD9NW,WV:Q.O\`+=V1<-."/'S@W1WM8TY77+RU6=8)
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MFK1U1KI7IH]BM*OUWDF\5D9>8F[#,/['9K%-2"W^H_G++9)9W(/EQ`OBNW*A
MP*4!`H$0OHG[TN:/ZEZK_#KB=A>%E\(8#`\K?(?_`-,#2=Y[_P!B[JC.7,O0
M(C9]_LVP+#1F^CVE@.SD+9//9Z7:P5D6VS$D8HJ.'QQ)XL<X(F<1$I`3[42+
M);G&C4[V3'EW`T'X2GP^JGK?7E#L7$GCA>I2BU&%K#N[RFE*.SLEO<Q4>U8N
M+#9GR+!Q)S,S*';>,LN^=O'!E#F,94YC&,9<6Z1/KMRQ\O\`!L^%_-D>D><+
M]/HA(*G67&(9SM?.F=1;QS`R4@9N-/&)`?V%(V%(A2?,``)\W)B+]=N4:RWP
M%?A+S2B*KSB)$HF0(9,@1.VM^P"9BF-W"*R,%M6.2<'Z_(90IC`'L`>F,0^N
MW+#?^0U\/-B0H56N;RHJS7L)#NJCR4W8S<0#9(2D39PWO&XRB+=JFS`6Q04(
MJ8$!$`'NZ&!@^J^O_)'X],C"%7Y+_$#I#90I1<LJIRZNK1J\7*)NUTZ+(,)-
M8[@J9NP!`Y2@4`^;UZB+!]7T^0^#W)18)JU3XIOQ<(ATTZ)QS>7Y=(6>O,FO
M8*'E/3S[7K=!RBBU,)$/$4'P3`4X=3%#&/9]?_,?7_E><EXPPI5CXO//!HQ4
M*519*U2%"NSX7?4Q3J(24C!LU&S0R($`$"DZ`<#'[A$_0&/9]3_%U._&(^&C
M\2R<XMQ+N/Y@;HY\5NH7^+G[)I,FHJ=5K%'1S>$G(]C>XF-H*SJ=V&]@EWOE
MUF)4G#DB;XSLB1BHJG36-=>TSMA4?X('"WXO.JY/<.X=#0-+X\1$Y`PU3<P'
M,RE;-@ZIM5XUDEY1NZA*G!M6-Q15JAD#(^^A;D;E3DED&YEC^8*C)E>UZ[5Z
M$@W1\<Z@"?U?PLX6<@@;=W>&A^0]EU.,CX)W(CY`=W-WP-O-IM0!+QP#L%RD
M)^@%6`EU8QUYH3XG/+NF#_\`SA\'GF;7RH=OG1T/.Z\Y,BGV'*#GR!:HYJ_O
M/L327%+L$OC"5(`[06`2L^CYG^07XZW#:NG[-WT'E[QD,GT!^&^>+>R8$8HX
M`U\9.0+3VEX,F=L9<Y3]@*``MU.G4!3%1D^:G:A_&%^&-L<4`KW-/24<+@H&
M3]>3KS5@%`Q4C!XX[/CJ@#4W18.H*]@@(&`?:4P`S#Y[<+G4;?6C-G^#]FFZ
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M1<1$QR+=C'1[-NF4B2*1")D*````&5EG,!@,!@,!@,"M&B?O2YH_J7JO\.N)
MV%X67PA@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#__5]_&`P&!6C1/WI<T?U+U7
M^'7$["\++X0P&`P&`P&`P&`P&!0N3YTQ41N_;&EGFL9?S^NPUFQAUPNM)8V.
MS3>TMAQ>LZTI(4>?D826K-(DYV7(X96$%7[!RR05*<$'ZT8PDBX252.4L7L6
MS:LAZC29:4B=H([*<(SB%@K#KTNWT_,N*AL9_.MHN1D6#J)@+^+."3=1SU\D
M^>23=5L*K7Q5TAA:K"&`P()O7%OC+M$RY]F<=-$[$.Y,)G)KUJ+7]N,X,84A
M$RYK!7I`53"*!.HFZ_Y"_P#0,+F\J8WKX*_PM=BB<;!PTUA'BIT[O0KRYZN`
M.AVQ_F%UG::B"?SFI?\`+T]@G#Y%%`-,1?KMRB4WP.^-]>$#:5Y&<]^-PIE+
MY4NDN65SA4FIBE`.J1;2QMZH%4,943AWA_\`,*=HEZE[6#ZO$?2OPY.>M,`3
M:3^,ER.AC)>(9!+>6F-2<B"G[B..B3AQ:#0@CW*/%?\`4%)3PP\+H0103Z/Z
MF9_B\*_+/4?.9ISZV-3]LQ^W;URY?[:>/8JPPL)8"VV\RC.8(-.NNM$81(R[
M>MKL6S-Q!>ZA*UC&14$D/!(@4I(ZS&--GOSX(?$OT7ON!HFA]CW.P:KYGU&H
M5*L;7T=R"KJ^IMK2VQ8VOQ[.S2-=A)T&L?;D9V90<O6Z46LL]*T.55=JV`>T
M+ERO6S7P[4<K)@,!@,!@,!@,!@,!@,!@,!@,#IQY*?$QMEFVE*\/?AK4&+Y0
M\J6BAX^_WIPZ4+QOXS("J+1[-[9O3)0C*8GHA;N+[DCUSK>825;G.=\D$:O,
M\-3KYND29PY^&=5-%7=WR8Y%7N4Y9\X+4D=6S\A-AM@4;TTCI-<AJCI*I+'6
MBM<U&);NU6K<S5-)T=N=0B?E6BH,4A;G2;.T+*R8#`8#`8#`8#`K1HG[TN:/
MZEZK_#KB=A>%E\(8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`__6]_&`P&!6C1/W
MI<T?U+U7^'7$["\++X0P&`P&`P&`P&`P&!4VP<-]66?85RV1-2MZ?35JK"56
MCFSNRFDHVELG%X6V+8DZVTF&DDD]B+;:P;JOX68"5@5&B!V!618YRZ9K%RE/
M7FC=?:ODDY6I1[UN[2J#.EI&>2"[XI(].V6N\3$B4%^I@G+=:[@Y>R[GKU>K
M)H"8`!$H8,I?PA@,!@,!@1;NG<-*T%K&T[;V$O)H5.I(QIGQ86)>3DR]>S<U
M&UN!B(F*8D.N]DYNPS#5F@4>Q,%5RF4.FF!SE&Z-WG,'0,2JDVL-LG*N]&&/
M,.V=FUULF%/%*)TJS[&4KDNX>U)-A'7D*/3).4)`J+!,KLV@JI-E"*)&4+BH
M^WAQAX;?$0HKB,W'JV'V(G7GSNOLYV:K=EUYM_6DZW2;21F<9+R#"J[-HCXJ
M<@UD`9J>`V>H+-UE$5VZJ8G$MFRA;K2'Q3N`*97?%[:*/Q%>.$.<%?\`CWR5
MG&T!R9J<`W*;NBM<;X(1O%W3RS1(`33F40\NF0C=C&JG$3#-6L];OI5G.+'Q
M7>+G)6U'U!//+/QLY,QSA*,L'&KD=#*ZSV8UFC%+UCZ\2:%")N1ES]QVZ3%<
MTB=N`*JLT"F`,92];/T=F>5DP&`P&`P&`P&`P&`P&!U/V_XX'PPZ+MJQ::LO
M)Z&:6BIO9>+L$LSINPIFC,9F"1<K2D.E>8:JR%:DWK<6ATBF9N'""KKHW34,
MX'PLF8U\]L9PJRI=^9/QB'"L7J9;8/![X;+Q46DQMYXV4KG*+E;`G*<C]GK&
M/6\PCKC5\ZV$4?>:P*&=(*`8?.E.[C&[?]%TZ^^SN#XR\:=!<4]40&J^.5$K
MU'U\T;MWJ0PG1Z\L[M=JB4UGL=D64<25KFY-`A#'?.EUE#D[2D$$BD*6LVV[
MK!X0P&`P&`P&`P&`P*T:)^]+FC^I>J_PZXG87A9?"&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P/_]?W\8#`8%:-$_>ES1_4O5?X=<3L+PLOA#`8#`8#`8#`8#`8
M#`8#`8#`8#`8$(\C]3R.\M([%U1%3\96WMVKCR%3D)VK0]TKZ@+E^<PL%<F4
M%$WT,_`OA+F;*M)!`IO%:N$%R$4`LTJHK;X<-31<^(YO*,H)XR<:$FIJCMK!
M>()G+Z[O6N6FL:=<K'9)EW!\;ZTPOCEY&TERA(&0?%%4\FH9543#*W>C-+L=
M+0=L9DFW=CGK[=WVP+A-N5)PY'\^Y@*W4FXM`L]DN5E!NUK%0CD#'D)>2=N%
MTE%U%S&5[2BW*;<(JGRGX1\7.:-5)5>1VH*QL`&;=5"OVA1!6'OU0,H8RH+5
M&^0JC"TP)2NA!8[=%T#-R<A0<(K$ZE$LMFSK,_X_?%'^'G_O.*FT_P#S#^,\
M3\__`(V<D[`V@N1=0@F_M]W:PWEX249:?)LT`*DA*)I(H)%*@RBU5![QFK6>
MMWTJUG%CXKO%SDK:CZ@GGEGXV<F8YPE&6#C5R.AE=9[,:S1BEZQ]>)-"A$W(
MRY^X[=)BN:1.W`%56:!3`&,I>MGZ.S/*R8#`8#`8#`8$;[.W)J/2<`-JW'M#
M7NJ:T'B@$_L:Y5ZEQ"AD03%1-%_8I&.;+K%\8@=A#&.(G*`!U,`"-W5O9_C=
M\4I>?>T;BI2>0G.G83/HDX@>+VG;39H*+=''JF:>NUA:UR!:Q/A?ZAWS(9%L
MF7KU'J4X%F6OF^=&L.;Y\;GE"V=LZ3I/C;\/*A2K==N-CW#>9'?6]T6+D%D4
M).M0FO4FE(AI4$NBAVLNBBLW,8.Q7O(/<U/VSSEY;%?_`$W?Q'"\A$]6GJU0
M=ZI6LQ4%N2"5XJ):<%.,^(5>T*5!Q8"['+,D8J=PQ/NPZYG74A53MP%WDPW]
MS#WI;IUP6U<?[3JU"$G+FTDJG&U1S#Q4W6H2QS4,DK&LI06+NXQTC1I*6&(1
M55)&SC<T#,JE\A(]C%RN8NG/SEUR:FXF;DE^/?'RKS&MZ'JW86L="[U=UFW1
MM=K-7FZQN*3%W$\<6\RRCINVS,3[A0OU@M,PT8NACFUH;LGJ!6RY`9-HN=:O
M#Q'H5VU[5+M&6VJOJ<PD;A&RM7AID]!2G$V@Z]I$;8%7T9JR7F:!'-#V^.?@
MS%JJ#UTW`KB0%9ZJLZ<5*MEA#`8#`8#`8#`8%:-$_>ES1_4O5?X=<3L+PLOA
M#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8'_T/?Q@,!@5HT3]Z7-']2]5_AUQ.PO
M"R^$,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@53Y3\(^+G-&JDJO([4%8
MV`#-NJA7[0H@K#WZH&4,94%JC?(51A:8$I70@L=NBZ!FY.0H.$5B=2B66S9U
MIM^/'Q1_A^+$6XI[91^(1QIC.XQ>-_)NQMJ[R%J$,W(8R<7K/>XHIQ-C\%LW
M*DBG+D0:MD^Q%K&G,(JA-5SUN^E6OXQ_%0XS<A[<.F[0K:N,W)MBJBQF^-?)
M"&4UIL@DHI\PJ%5/+BC!WMN\4(<[0(UPH^6;%!8[5$I@RY2];-?#LIPA@,"C
M'(7XE_!#BT9TSW1R=U?`V)F95->CP$R:_P"PTUTQ,0J#BA4%"RVQ@9=<@I)G
M<M$43*%,'>':;M962W:*;A\4SD?OLXLN!_PU^16UHYUU(RW#R,7AN+^GCMC@
MF*=A@G=M4D)B\1*8*E,+9N+!\H4#=A.XH`,ROS)O7R7B_P#&!Y(E\3D=SHUE
MQ)J#TR:SG67!W7CR1M*C0X$[6;C=6SEB6JM2[9+N!12,,]:G6$1*!B`3M:F>
MLVB2=8_!0X%4N>2O&S:-<>66S>U'SVR.7-]G-XSDL9$_BB,I`3AVVOWH**^T
MP*0QA$/F]>T3`+!]5VD5BIU:D0C*M4NM5^HUR-(*<=7ZQ#1T!",$Q'J*;**B
MFS1@U((^WHFF4.N5EL&`P&`P&`P&`P&`P&`P&`P*T:)^]+FC^I>J_P`.N)V%
MX67PA@,!@,!@,!@,!@,!@,!@,!@,!@,!@,#_T??Q@,!@5HT3]Z7-']2]5_AU
MQ.PO"R^$,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@5CY.<->,W,:HA
M3>1NH:KL=BV26)"3+]JI'W*J++?.,[J%VB%6%JK+@5``YO)NTDUA*`*E4)U*
M)9;-GEQ^+#<>?GP>M=Z\U[QZYL[=OW'S>CZUPM4<;6KU9M^W-$+49.MO25&%
MW6_;+2LE%6J,GCD8$.S05CVL4J1N*1NJJDNC?7';>:M1^$%S_P#C)<RH;:&A
MM5;'TI<G5#;5^Q2_(#D_#VF=GM<P=@7E(]M`PRE):%)=;'-/(]5PQ+/)N032
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M^7;SKVF:TB[O0;'L>R%D#,6WNN*>FD19NEUFZ*BJ)"X6:H>-S&V`[GF#>.:5
M$E9VU/:\@N.UL4J#F4JEKB+)*:&KMMV#+SL=N`MA!I`3>T'WDH"0KU:=R'5@
M@#XAP=*%BX7!U)LJ5N^K5;G.Q'=.P<YM&IS;*M,W)F\],:EV#<-=2DK48YX\
M=//=-O?TY1]$H+.5E0:O$2'5.;J<:B%>(=X^T2S\P[5Z0O-%\[R=@T?3>QJ_
MZ8M;3R7$7BFT\5]#^;?>71=^%XJ!O$'Q$C%-[.O3!?"Y^$,!@,!@,!@,!@,!
M@,!@,!@,!@,!@,!@,!@,!@,!@,"J6_JSPVY+U^^Z"Y#FTILV)I+:%MM_H-QL
M5>/*Z\3>D4+`6R2[)1I8-?/%VSLY&TB15BX\NY$I5?#7Z'+,S6/[Q?TIP_XT
M5=MK#BK6]44""MJ3B_)0=&FV,I*W%KXI8M6WN))Q+2UCM;%J=(K0CU9PY1;E
M("!#$*4"`+;=UK,(8#`8#`8#`8#`8#`8#`8#`8#`8#`8%:-$_>ES1_4O5?X=
M<3L+PLOA#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8'_T_=_L'6>O-KP;:M;,I59
MOE?9SD)96L-:H=E-QJ$]7'Z4E#2B;1\BLB5RR=)?+TZ*)'.D<#)**$,&)=:2
MTP^=V)^]U'K!X_M[-G'6QZZH-4<.[/'QQH@\>PL3E6).M-,V)Z^P%%)R94B0
ML6XE`/!3[1EO<'!PE9AXRNUN'BZ]7X1BVBX:"@X]I$P\1&,DBH,XZ,C&"+=D
MP8M$"%(DBD0B:9``"@`!@5\T3]Z7-']2]5_AUQ.PO"R^$,!@,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,!@,!@,#JKLG$K<,KR+W1?&E?K+;65MKM#=^XHW9+N
M$?7>U5_D+%;5"1JME1I;W8FH)TM;K"83\>VE`K$_*J-C@F51PL]A8UF89S6W
M%/?$9OFD[;V+8X:==PU\1N"\DC<Y)\VCJ;%:AVQJFLTB:@%*A&NMA[2@HS90
M-E;DJ^C$)-FF9=9@FX;`C)5,QV<80P&`P&`P&`P&`P&`P&`P&`P&`P&`P*T:
M)^]+FC^I>J_PZXG87A9?"(BL>^M.5F+G9-]LJC+GKS"4?/(EA<*RXFEC1+==
MPXCF<<:6247E%!;BFF@(E,940+[!'-3KVN-$^IRK%K/XCN@-FW6'I+5E>*@X
MF2R(I3][:TV!JS(8V+>RIRR4LC=Y$S0SI-B9)#JD(*.#D)U#N`<U?Q=I,Z,S
M\G6W"QMPY$Z?I]-LMW/>*W8XJIM6#V:0JEDK4N[9-)*9C8!L_D%3336+@H5"
M1E4?.2<DY91<:V[W+QRW;)*K$Q99O&Y9=JTI?EIKIA-:7K4M!W>)L>]9NU0E
M*A7$=`/'2AZ?,UN&EI0CB'LLG&V:$[;8RD".JZO-D+">:DU?#CXZ2<LXN-W'
M4Y<T-LK+'D*EL*/B6;W>T5!SJS*H.F=UG..UCG:KL*$J\7%W.0M(2!IJMO$H
MT9*/CF[XY$R%5!1=N148<:5Y>52NI;"<6K7.R:HUUOL6J:GG']A?:@8Q*]]N
ML%0[/7(5"<#;*L)&(2,#LB*6(^E7,='BLN#,%Q?F2:J##8/^4=#0L5'ILK7M
M@P5RV4G!GH56EJVW2E;8=[+2L;;"P9VLJ[C9!OJUI#JREB>)N#,$855L_9KO
M6SQHHN,-QF=SQ$9>']%C:E?+>\KWI`;K+U"%8RT11@O3MVUK@3B2DPSGY)=5
M-F+IVC#,95>,CU$G;TC=LLDJ<C4WG+KC>PCS2KS;-=0CNQ9TDZ.E+^&[A6\!
M/6M6VQ_;&B:2H856JRLH%@;@I"&C8IZZ*Z%!HX43+BLHSY/:(?S,37D-AQQ9
MN8<(-$(QW&ST>ZCW+VP)52-0LB;^);>DE9BS.FS!B$KY,7[IZT3;^(9XU!48
MK\67*;0$D1D>/V7#OO>)DEF9&C*;<+K0;A.)5;7<6Z46==+63M*?8&1M1REK
M:Q7S82/C`NEWC%:G7N9^AIT;)YNPR-73JQ:XI)/+'$+IQ2[>Q50MV/(1$W#'
MF86:A*M6#`[GY%LX5CX%`?$?+H)]38,5(MRWYK;7]T)1+;)2,;-N(2`F8TJ$
M+)3/OI6SRMCAX6!@V$$WDYR7LCUU5G8ILV[,YU"E+V"8QNW!AIKSF#QY:R]5
MBD=B1<DWMT5[[86.,[W52:1:M!8;.CUW]E_TXH'<O2YJ,?-F2"B[\Z$Q'*&0
M*D^:J*C%;S![^TY8YN`K,/?X1S9K.84X2M*^<8V)VNDI?T'K0\$_:M95D^AW
MFK+&VD$%T4EHYW#.D'145DA)A,5,&`P&`P&!_]3W\8#`8%:-$_>ES1_4O5?X
M=<3L+PLOA#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8
M#`8#`8#`8#`8#`8#`8#`8#`K1HG[TN:/ZEZK_#KB=A>%E\(KA:>)?'NSQMC;
M&U/0HZ6L+&70-8FM6BC2S&1ED'"8S398Z(",BU<N/'(81_\`BE`>N;G?M,?N
MK-ZSA4[57PP=>T&]0MLL]U-LJ&BBR8.:9/TN.1AI<[Z)?1K<S\5)B2`Y8]=X
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MFU-D1.S+*ZB'%4>(^\8S5M'T^XK@0=GJ5BJ\U39JG4-MYMA,,9/_`'JZKE$Z
M*J;,S49156N#^J:HM3G\18MA-YO6\R6;UI--Y&J1BFN5I.[V6\[!CZ7!PE.B
MZA"P>VE[<^B[$Q+&F:JP9F[%F1DBQ8`U&4N3^D&$Q=)JYQ=^V/21M9:>%WK]
M)E:]"Q-R4I2[H8UU)RBM8>W6(?/HM=..>N(:6BUW,<T01$X>'W",J]J?#WU$
MYA7$%(7?;4DT#3/_`!\AE',O2$5ZSJ%GKK:6LJY4HCW?K]DW<FJ<#N&:6:2$
MBF^E'#LZ)GSEXDB5+!ES9WA%6;)N'8%ZE+O;?0FS6]:?WC7C=2M>1M4_7[E'
MVI./EGKJI.9=I3@&`8E*A'O6;\YC.2JN3I*$(09T<&2^'QJF<)"J6"^[5GI:
MMU^DU"MV63/JP]EK%1UPVDD*+#5.8;:K;.*?)UA6?E%FMAB?)6LJDLZ`TH9,
MY$TQEQW'PYM%.?!\Q*W%]X-;/4RDGXW4UQ;>Y7T%#UZ?2+'W75ECC4'=D85>
M&\RY213<('B4?)G:E7?E>#-6`LG':B6795+V@X=V&.F:&WJ;2"B(EU$MJZ#:
MF&NHPZ#EDO"NGPI"6]NRJ`DY2`2I(`3L[3^(,J\C\.32YZO3:.K<-H.:70TJ
MF[K]5?+ZUDH8MLI=#I%!A+U)(2.LG2LQ/`TU[&/UV;HZL"YD"*F4CC-UU6YQ
MFI%H_#'6NOM@TC9=;LEW86&@M+3&0C.-3UY6JN>%V!+6"P[)A7E3INOJW7_(
M[&L3Z%?RQD&Z#A1W3H(Z"J'EG(/!E;O"&`P&`P/_U??Q@,!@5HT3]Z7-']2]
M5_AUQ.PO"R^$,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,!@,!@,"M&B?O2YH_J7JO\.N)V%X67PA@8*-L]?F)*
M6AXN78OI."5(C+,FRY5%V*J@#T*J4/8/:8!*82B($4`2&Z&`0!A,RYC\+=;Z
M[18!W9K5(EBX9FXC&2CCRSQ\X7D)R5904'%1\=&MWDG*S$Y.2;9DR9M45G+M
MVX311(=0Y2B5&W_(O397%-9N+@:/?WZ;F*Y7(R6KMKAY49N!L]>I,K'ST5*0
M3.1J"K>X6^(BRC+I,2+/Y=B@F)U'C8JI<5Q@Y+:7\Q/H+6M\S2K1=F^\922I
MEZBZ\X5TV_E(S9[.`LTC66M>M<C3'L&]([:Q;IXX`&:YB$.5%0Q1AQT>3FGE
MG-D9!*7)%]4K-&4N:8/-1;?8/RW&9BH*>BZG&,7M$;N[!9GU>LK&2381Y'3H
M8U<'?9Y8IU2C#*-.1&F7J[%HC>&B<A)FIZ4=%/(N>CYE\ZO-DF*?`1[2&?Q3
M:5<2J=GKT@QD6A$1<PKABX+(D:^"IVC%9NR;DUQ4;.A3IZPG:3RA*XJ\1;PE
MADXZ`0N$J]@JDXM\]%1+V`I3:TS4:X:1JLNY9)OG*!TT1.<H@!&94V7KE%%R
MX6O])2;LYQ6L/%U+5!$1:V5$R1%J\Y5,_`B$XD=8@&:&$'!1.4!)[0P/IGLC
M7<@O!-6%]I;YU:#.RUELSM,&Y7L1F"SYN^+!(HOCJ2YF2\6Y(J#<%/#.W5`W
M04S@``V1KL4D%POM+%%U9U*0V6"TP8I.+FEW`K44%`?=BMG3$@]S`HB[#H/5
M/V8&JUW?NF;4[G8^'V-61D*P]I\;8H^3>#`2$+)[`8!)TB,D6,^G&.FLG:6`
M@HQ;F("RY1#M*(B`8,,O.[7I5>N<?KU\XL+JWR46RG$HFOT:\VLK.%D95Q",
MI::DJM6YB*KT<O)M%4P6?KMDP\(YA$"$,8`_6%VSK.P-T5XR\UDQU*FRO2L<
M]E6L3.QU0D(ME-MI^;KLL=C/5^/"*D4%E#/FS<4"*E\0""/3!ASV>QM>R+V`
MC8^^4Q](VJ/"6J[!G:(1R]LD6)71PDH!JB^.O,1XE8K#XS<JB?1$_M^8;H&)
M^V+58-G4@.P:F6%8QB4N[LIYID2HH,59Q[6BB>WG5"L>:+/1RS0[<'8N$UB=
MIR%ZEZC#EQFT]<S$VO66%TKQ[$A/2U8+!+R2#*6>3D%%Q4U,L(F/?&;.IHT7
M%3C1==1H5=)--<HB8/;T#\QVSK,DY+5IS>:S'3\+;&U%>Q,O*M89Z>WO*Q4+
MDV@(Y*5.S&9D%:U?H=R!6?C@`2"1!$%.XA0XH;FU.,U<J\.Q:@G*:\;5MU>$
MUIU@@UJH6^7LD#7&LY)K+)Q;"3DIBHR#<K,ZP.TU$`\1,@*HBH,-O-:*T59)
MN:Q015UW2[)%`TLP!99XUE6T"Z:))BX[U'3:<>(LE$P`3D=JD1$`4,4HA__6
M]_&`P&!6C1/WI<T?U+U7^'7$["\++X0P&`P&`P&`P&`P&`P&`P&`P&`P&`P&
M`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P*T:)^]+FC^I>J_PZ
MXG87A9?"(:<Z-J#MRX=*2=R*HY75<*%2M<FFF!UE#*&!-,I^A"`8WL`/8`9K
MZK/S/;1(#C#7HJ;FI!W89UPQ=&[8=NP>JQ;YJW5,59<LE(-S>(^4!0H%+V@F
M42E[C`)A`"W[O"3I.6;M?'R%F*5;:I#2I/$MD>QBGR6QH@FU*<^BT)J,E)*&
MGZ1-/XQM,1%@9,%&#HJ3MF[(W<G.V<-W!4EB9MM:DD4^M/PZ;3.KP,S%<CIB
M`M%-FDIK6<H>N7^?9Z2$'AAFXK2WOG>CBV5>$V1!K*QEI;RDU.@Y9J%3B!A$
MFS-)MEO/I8N*XAU./BWR;J>D9>PR&YKYM`\Y)+V5]'QT!L/D1(;TLE"KE1D;
M>_K-6;ST2[)6I=]'H-S2[+QUG"`^940"IED;GQI-:V.Z&1K#4W[3<6Z*CMI_
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M09UG<&`4QPV<4EFN$SY-V`J."BDU26:D6,,Z,6M\.N5<%K[P=RP<1/U;75!U
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MOFDEU(9PP=*+.EYA?I)NP>%+>^[!VU?E=@(L%]G1.QXUJR4I1)!6KJ;`J'#*
MK%>(2)K.U._/#K<0TW8`5)J*YIPI>Y,8\%'=25%A_AT.5)B&E%MLPBZ5/J.K
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MUE?+C0'!&E[J=,OM5M%EI3I4YDDVUM@H25?2E;<**$,4I'B2)A,`@`=0P8;[
M*2T5!LE9.:DX^(C4#MTUI"4>-H]DBH[<HLVB:KMVHD@F=T\<)I)@)@$ZARE#
MJ80`0^D92,<OWT4WD6*\I&),UY*-1=MU7\>C(@X-'K/F9%#.&B3\&JHHF4*4
M%03/V]>T>@<[`UN2N50ABR9IBUUN*+"-WCN9-)3D6Q+$-8]O#.W[F3%TZ2!@
MW8M;%'JK'5["I)OFYC"`+)B8,V]>LXUF[D9%VV81[!LN]?OWJZ35FR9M4CKN
MG;MTN=-!LV;()F.HH<Q2$(41$0`,#6:ML*@WE-1:DWBH7%)([A-56K66%L":
M:C0K(SI-0\2]=E(=L62;BH`CU(#A/KT[R]0V_`XSUZSC6;N1D7;9A'L&R[U^
M_>KI-6;)FU2.NZ=NW2YTT&S9L@F8ZBAS%(0A1$1``P"[UFU59(.G;9LO).3L
MHY%==)%5^\39NY$[1DFH<IW3DD>P77%-,#'!%!0_3M(80#&FLM<)/I5,]@A"
MVE:.4F$:T:58%GU8A%8C=642AA7"14CDEU"D,N"8I%.8"B;J/3`S>`P.*]>L
MXUHY?R+MJP8,T5'+QZ]72:M&K=(HG57<N5SIHH(I$`1,8Q@*4`ZB.!_6;UG(
M-RNF#ML^:G.LF1RS72<MS*-EU&SA,JR)SIF.@Y1.F<`'J4Y1*/00$,#DX#`8
M#`__T/?Q@,!@5HT3]Z7-']2]5_AUQ.PO"R^$,!@,!@,!@,!@,!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,"M&B?O2YH_J
M7JO\.N)V%X67PCIVO/PKMO6QY<)".^*I\1&NC97-@>,(1EM.""M07OE5VLUB
MFC%"N-7H0<9YDJ*:1'*:OER`4%"F^<$Q[:^I_C'1AP%_]//SCU'R7G[=L[D#
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M6+)+5>W_``RI9XY5?.86.=2\BSAN*=W0:+K$25_W;,`\('BWEQE+U/XQ\C$N
M./)C5^Q;XG<[SMGCNXUC#RDML"=L%?EMGNZ)L:MV._J-9.LMG-3:75_98H[H
M43K=4V0)E9-P:D4>U,S.R1=E\<MK6W;NGYH-F62V:ZK@O4]B)V&RM:C.3D<X
M?HO$X8(W5U8I$+*Q93-BB<BZ93K`8R:IE$Q`@#,X5:2XG<VGQ]=MYK9#4J4+
M3-44Z\RT=NO:9IBU,(+6>H8JZ+2#N0,\=O)9[L"CS3SS+-2'*7W@1T";E[)R
MSE*+F-\LG%+D<ZJVX*VQLOO=Q9ZGR`K6G9=[O3:$.WU3'7*X<H7=(B5J^@SD
M&%A(O4-G4UD114X>[TH8J0CV0405W4S&3K?&SDZ?EM0]OVZP5P^L:UM7:ERD
MX%I?[G-`JRE:ER"J>NI"/K]G0E?"EF$!MU@R6,1^W0021<,VK-I'L(XCB+F8
M]I(NNAMR.F.\ZU1HS6#.P;'N>Q=B4;?EBEY16X4:P6C4:E'JDHSB(ZLA)Q5\
MHD@JG"Q;]M(+(-*NT37`YG/6--45^V!QKY%MX[8EL:>H_=JOET=4:CJV_=P2
MSVFA/V+CO"S+%>T(`@^-[P;52Y22DJBW77A&5A6*V+WF<=T7,T?%OXH<PI>K
M;-BZY>R0<[;$+PKJJ;/OK:2OV)TR9A-OLXO39(E.-)'VL[EY;8<P32IS>[?$
MZ(]Q:K7A=C,9C>'$#D'?KCL./K$M"(:DF*]9:U!U^3VMLIVI-03S6=53KT=9
MF=A5M!#.V^U:PN[44:J,F[$'971$7SI_*+IB68]L-*\2.72],V%78J^)1]EL
MA=R+4Z[(;MV5%>C*;<]1;.J%<U$A5(EBE$N7!-I6=A9@L`J^8:'6%0O^Y@8@
MB]3,=BNF*%8==M-A0TM(N'L$_P!FS\]KYJZL$S8UX2DRD57S-X<SR=5<OFH)
M6%*16*V!55)$JX=@@4>PH3-A#`8'_]'W\8'2[:K?NV(Y@[RB8^5WW,ZYEHS3
M[NZ3$8YV5%MM34=7D&PJ]C8Q5$4@)BM)LI_7T>_6CKA39&/?A7QDG3AF>2:.
MI:-C6F'93HB5O\AI1A(SR,E*V8C[8Z5/]>#(5B:L-+CKW;66FI&\JJU\\S"S
M=DUNUA7,LLK%"]1<N%CJ-/&`R.5+NJIHJ=YHM[URM>27'WCBQDICD#7Y!ZV'
ME5M<T.11'BYQKB$1K<TOPK:+V6).SBTA5=G9L12D1=,P2.5J#E<7&BQOJKF+
M^!/&C]V.TOZ78-#U5S%_`GC1^[':7]+L&AZJYB_@3QH_=CM+^EV#0]5<Q?P)
MXT?NQVE_2[!H>JN8OX$\:/W8[2_I=@T/57,7\">-'[L=I?TNP:'JKF+^!/&C
M]V.TOZ78-$=;1W=R]U=6HRRNN-.B+,G)[%T_KHL=6N4^SGDBV<;?VW2=2M+`
MY14X9)%)`5-W=B2LLKU$R$4R<*E`PD`HC3E(OJKF+^!/&C]V.TOZ78-#U5S%
M_`GC1^[':7]+L&AZJYB_@3QH_=CM+^EV#0]5<Q?P)XT?NQVE_2[!H>JN8OX$
M\:/W8[2_I=@T/57,7\">-'[L=I?TNP:'JKF+^!/&C]V.TOZ78-#U5S%_`GC1
M^[':7]+L&B.J3N[E[=K+N"M(\:=$0RFH-BQFNG<C,\I]G-XZV.)/4FKMM%L%
M36)PR4,_@&S3:*44HJ8"&"5C'B73HF!C#335(OJKF+^!/&C]V.TOZ78-#U5S
M%_`GC1^[':7]+L&AZJYB_@3QH_=CM+^EV#0]5<Q?P)XT?NQVE_2[!H>JN8OX
M$\:/W8[2_I=@T/57,7\">-'[L=I?TNP:'JKF+^!/&C]V.TOZ78-$=;1W=R]U
M=6HRRNN-.B+,G)[%T_KHL=6N4^SGDBV<;?VW2=2M+`Y14X9)%)`5-W=B2LLK
MU$R$4R<*E`PD`HC3E(OJKF+^!/&C]V.TOZ78-#U5S%_`GC1^[':7]+L&AZJY
MB_@3QH_=CM+^EV#0]5<Q?P)XT?NQVE_2[!H>JN8OX$\:/W8[2_I=@T/57,7\
M">-'[L=I?TNP:'JKF+^!/&C]V.TOZ78-#U5S%_`GC1^[':7]+L&B.J3N[E[=
MK+N"M(\:=$0RFH-BQFNG<C,\I]G-XZV.)/4FKMM%L%36)PR4,_@&S3:*44HJ
M8"&"5C'B73HF!C#335(OJKF+^!/&C]V.TOZ78-#U5S%_`GC1^[':7]+L&AZJ
MYB_@3QH_=CM+^EV#0]5<Q?P)XT?NQVE_2[!H>JN8OX$\:/W8[2_I=@T/57,7
M\">-'[L=I?TNP:'JKF+^!/&C]V.TOZ78-$=;+W=R]UK&5F2<\:=$6(MFV+KS
M72;:N\I]G.W$:XV';8NI-[!)$4X9)`C`0"LH#I^J`B9)JD<P%$0Z8,3E(OJK
MF+^!/&C]V.TOZ78-#U5S%_`GC1^[':7]+L&AZJYB_@3QH_=CM+^EV#0]5<Q?
MP)XT?NQVE_2[!H>JN8OX$\:/W8[2_I=@T/57,7\">-'[L=I?TNP:'JKF+^!/
M&C]V.TOZ78-#U5S%_`GC1^[':7]+L&C4N);^]R]@Y<36QJ=%T>S27)]--:%K
M]BF;A6U&L!QKXX51M)U^USM)UW(3\=(^X#*"J,0U*BX\5N'B>#XIQ?"XF$,!
M@,!@,!@,!@,!@,!@,!@,!@,!@,!@?__2]_&`P&`P(KO^UF-#G:A5DJI;KI9K
MLWLSZ%@ZBG6O->[J@A%N)^0<N+79JM&D2:%F6P%2374<K&4Z)I'[3="X:U"\
MH./D]"LIYIMVD-&+VELM@"E-S3:NRD=5GT-"6`CN=AIT8Z6K[YK#62/7=,7J
M*#YF1ZAXZ*?BD[B82.C?ZL_I+O8,$_6M=9:QDM*%7IT=(VR2?E@S/$92-BH*
MOM9":E)]H^8+-#1R#<[X'J9FXI`L42`$45_E#JVPR6KH1`]G:SNW+OL;7-:C
M5:Q)R#5E<=41EZE+Q$V"U5\DU1HPL>37$LDU<!**MI19J8K%1R!%#$+ANNU=
MOUC3T&YLEK961S"Q<#9K?8Y"`@W$JVJ](I3%"2N%OFUBG02)'5]@Y34,T;F<
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M7L^ULC60NJIF<+.!`NAJRLJ,);;(E#$ESBF,A(A`T64=N@8I.THI%!$9$[/S
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M0H\5:I=P-CLE;2<F9R.Q8E))FS,ZD'1G`^"W4!,XE#!Q7)[CU-13698;BH0L
M'E.A+\B+R?:1CPM5L;&IR,-(.8R3,SDV;AVROT"<6:R*;U+W['`HB0SYJ"I<
M5(GKVMN:0;84"Y=7&M'B3S$>M26#RV/IML4#`1&#C81%V\DGJJQ12!(A.XB@
M""G9VF$I$5UKD]JNT/=4Q;!Q9$Y;<5AO=4JK-:KR[ADUL>M4-@*7")G;3%H2
M-*CW#-?5\VDS,2362F09'<1IG;0IG!1AN6T-OUC4<>$Q:F5D5AFL)8;789B%
M@W$G&5*FU$L8>T6NPNBG2(FQAR3#<WDVOFI=XF*AVC-P1NY,B$23',W2U>KE
MYML\:[QU=I5>E;@C)$HT_,!=:="3=DKLM;J.TKS:8D)>MQLM578N7:Z31-K'
MF;2:XIQ3QF^7+BI*K.]*3;+^]U[%I6`CY(]Y;P]@>1!F]3MDAJ^<A:OLR+K4
MP"ZAW4A1;+/H,'A%T6Q5W*;HK,SH&+XS883+A#`J]3>7.I;/"UF>G3SFL8^\
MZ]@MJT%78Z,'&$O-!L2D*A&S-:<P,]9&#N0\U98U%:'561G&RDBU!5F0'"(G
M+A+-<W%JBX6`M5J6QZ5:+"I!L[*E%UZR1,TX6@9&+@9UE*(#'.G*2[9S`VJ*
MD"B0QA%A*LG/3P';=10C!V3>=*J5\8T"PM[/'/I)C,NV$VK6Y`]??KUZKO;K
M-,HY9(AY24+&U>/477?-6BT0DY[(\[LLFJDR.7#9=;[+JVU:+%;&J2DMZ8F?
M?`LCSL#,5J8(6#F)*#?ED:[.LV$]#N4GT4L!FSQN@[2Z=JJ29^I`)L@Z1YD:
MKBBR#=["[)2G8>`?7J;J7HIV-KAM6QL"SL\AM.2A?,^,WJS&#DVAUFG4;`D\
M=HQYXT),X,\+AE[3RYTG3X#=UGE92UK0O'Z+8R^PG<3KV\2YC-)!E,OT5:BV
M80*[N\,46\"Z%=_%$=1C?P5?%<D!NY%`8V69PA@0CLK>U>UE/)U^0J]YLKI&
MC6'9<XM3HJ*EPKE%JK^,CYV>>1SF<CIZ;.T5E$S$80K.5E')2F!%LH?M(8N'
M[!R-T*9%\N3;^O521Z,4NY!&TQ2RHA.2<?!Q"+9!)R==\]D)V79L$VZ!5%S/
MG:#?L\99,AABMRDK]`-:.VV##B]NM=DX^"DX!:C-@LYK(QLZT>C`/X=9@H,<
M>&?A*(+GDUUT(IDQ,=Z[<MV22SA,B.*?R5U7>;!K>K0#VPK3>TZ+-[$JZ3BI
M6%"+].5Z02B947]F%@:JHR*<DH8B#9-\LJ\23,Y;@JT$C@Q<5M6P-OUC6K^&
M:6-E9#,Y1W"-7T]&0;A]`UH+-:(BDUQ>??E.F)"S-MGVC)-)H1VY2*H=TNDD
MQ0<ND2(C1YG:6&OHV5Z:[QT9(JZH7KHJT:?D7%FK>\I*<BM47B.;P#:8/'TZ
MW.:Q)&!U)^[SQZ;(YGZ;4#)>(7%2W`;?K%@O;K7B;*R14\#&WRL&>=@W$8QM
ML3KVSQ5+O4I7U%#G=`QK5IGF303OD67O`CM)U'@[9&!SA$J8&OVRRQ=+JUEN
M,X=9.%J=?F;++G;(BX<$BX*.<RD@=!N40,NL5HU.)2`("8W0/\<"&8GDWK-4
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M4))U[7<)M6>FSN;$T@V)Z<QI$\@X;ROC`SEW)TV<6=\]<LV[D863;.$G;=!T
M@)Q1<HI.$142504%)8A5$Q407(DNB?L,'4ARE.4?8(`/LPC]L!@,!@,!@,!@
M,!@,!@,!@,!@,!@,!@,!@?_3]_&`P&`P*E<@$3J[3TH%<D-@Q^R2UO=`U$U)
MA]<2Z"T5[LI?JA.1+LF=@XAM*=WD/=A^JJ'C>)Y@OAX6>75C1R<,1+535%SR
M,(D.S=#DH24NRT:K.I\EOL[T>.NG+%>5?I/EKIY\683")TR1/O4)P7*OIP4@
M":-?NUX=LR9+*726T?.K[W7?>G-AE9#6VFI6NX!LQ9F\`_5UD%8>O*<%I6E_
M#&#3EA&/2)Y('QU/]^(5GA`&KD]/%G]8%9.[ZO:D^;NQ?'62CM:M:TZW5_P_
MVP6<`[:@2CRCL*$&JS.3&&!5<O\`U87ME0]XFF3D#:.2S9^>E\=D]K36P$(=
M*PULNPG<36-9N]9/MCA%1I:BMO*.E[<R9Q5;/>@$T6DW=/*V6P&:%>*&.6-.
M83>JVJ):?-MO380C_?R6PE=B\C/^'1D8G13B.8N0V/<2\F/29'LTV3E:FI$@
MH97U.9F\)4S,BQG=+`X.:+R_?B<3C+]J6LSZP7V\+P7I"0K6VM-1!.ENH<7*
M,-B7O[^I/1VJ>LGH@HE<HNVQ:66Z%`S=0Q35DI1<NW_*R8'1G((:+3U9QD+L
M.4Y(NJXIQUTO_P`6EU8'1<>LUHP[?XK`7WBUAK')*/[D27'7XV+WPLV9FA@<
M!!]LD+@P1K]-UA.,B=%%:Q?8,\WB6(^UN?)L,%(SCH>%'D+]DA1M+J5%*6(Y
M+(>D@C0?H1`#'^_11%9;S(30&%SY2_OLE2'>6MCWU?;Q*^2Y:$"M-V336:M`
M7V<:_6KTF>F/)EZCN)I,H2(,O71:V@LR5KAH_P`V*<>6>[JGA*/'Y-F$:J>B
M.[(:@%VGS,"R-[-'5TCY792O*VVGEU$'D?**/$(%C:"69.&(F@H+J)404?F;
MNTR)*!U]P;:H$K3XIYKD>YWL-AW@:^JC6./#'D(F_)JIZ.V4=D-YZW2%$62<
M5_TR6KJLU212)/3AH5-6K>*7(O\`PQ48EQ?-$5'TX^VTGKQ5?=`<?_><5H=>
MFL6P<O-1!N%2']53#>?E&A][>X#1Y)KR<R5D`EB#&D1;&`:NRWBC]EO_`!TU
M)]BOC?9EZ3;^F/->G?.]GFG7O;WCZ/\`_M#WG[]\UYGW3_\`2_'[_*?[?P\J
M7=83"*>[Z1=*[IU>-.D-FL=K$T5R3&N%U]#ZGE2N*;ZKXV^L4P-MN=AJZSN@
M60*W[C.X!>-'J\\\7P@)W%CK&UBGPN&,H8ZO=<@4ZL>TZ03TV1\PTTLZ0V-Z
MCXS>@74.K9))"YNR#9S182*#HB)`2)8!76&+/$@G%U=K1R6<-"WL#K[[4EQ@
MY8(<U:::A1W,2Q`=R5P>CDKSU?6JLX>S@<S8LD8D$4!`JQC1X'.-3R@O5:>F
M2CHLL*ZO"LFGS6W?[O508:];P+O<GV#\D"V_S+>DR3JF1^NAI@RQV?N%5R]"
M9*V)*=9$TP<L6Y;#R#;/S-N+!-K36P48Y&;B2VMPRK&LW.I9'<P-JH%!6W.S
MDK<T3AG![<5V:K)(KOZP6R'0*LH:5)7#*5.4"$3T7]D?)#WL[W@-!4X?;X]'
M"]CM4`Z9<<ALNSRW<-0%@Y074G*E$(X\>-M%HJ,0,`14`>!,J#%U3MJ(FM@Y
M!$/"K[/.P/.<N@UJWGFFNDM;H6\NW*=_R4/7WD2]6V0[?K[4%][O++H(I)`6
M:[!4;&C>VIX7YPA@=#HM]#DK7"1._P`MR4<OSZ4H?_#)Y*5W13)%M1QH\`%W
M]YQM?M#\CV?+0/<QK;[T=MRF0%H6O=)$%3#&_-PMAQ-3I(I,#:+=;N)0!DZV
M"J,PPXZJUPMI)0=!'M9UW-;DD90Z+JEB1-R6)2+#(/PF5(\5B#7D@K-23L$E
M1_Y7:K/=%]O`H%_CR:R:NFFLAH)MB#I790R:]0?N'H;I)624L%RV!&,;&AC2
MYFAEE"MRS!3#PDCCVFAZ$@S:]>6D==E3W.0B5DC*L$ZK<U-P3YEG`.&DL)&Y
M&<@24(T1%-5LY:*('74063,145UXL&VM2:]EBOIGD<ZVAZ*Y1GW.J6M:$8[^
M]*$K6LAY*-=MH35LD:R%I76]$!!KQRG@(H>Y!@45*IX0#%6PVH32HTGG3YU>
M^$K1^)\*78PU=I75?+ZR^RS;01:NL`DWJ)'EF]-"_$$Y04&GF`;!W]@JB6IK
MHO\`X0P*%\GT4%-BOCPTAN9I:D^,>U!FF^IH?4,A).]:^IJD-A3K[S;$[&1D
M=L`7@(EC#J(.F0`8YEBB8I"FC44AU8GQ&-<Z1]B;S=:4LILC;9=#"UC--N&[
M.Q!O*+#9JL.%EEFMEDJ(>Q"Z$R<B+5(L2"@+'-+C`"4:^797*DGQX^&`B^]"
MNCHZH]/GAVFG3[2:E%/7!3>>3BWJ>J'T,6>!T>U^9.WA!8&E"-^D05FH:IY0
M3J-/5PQVD"ZN=WTMC!+G(2@+/8[7AXE2XCM9V7:KF0;0,H2K(Q!-C`H:L(Q2
MIXHT6)"F5*D"9QBZZI`WLW1-N7C*-YEK^A#)2?2`(>NZ]=Z5>[C*]AO3QKFK
M*6AG*1>RU&@.PJ95"/(LCP518B>;"-`:DVJMNO$]&!J&P`#O>!ZZ;3/!`]5/
M/1VJ$YI#CX.T;>/&1M")U2458NREG@F`EUI8Z,J+0P"*0*%(!HNN5G=`H1Z?
M(#D@I*2=]=;&//#[\:;/@Z&PG&VOAF)$VJ0UY(UFPR3M]HQ.*\Z6"%%JW1._
M]Y&E0+9/>Y,J7PNEA$8;M""'3&W`M!I8E9'6%^"Q'@$V:LZ2"&J2WO<T*E(J
M(QZDL6/\06Q5SD1%;M`X@7J.".J[82&H27+7:6W93D(XV89/1HZ;>C`Z0:12
M=?'5O*/W:6)BX2QO4EVH5@+=ZF-(O$WXNQB_)`"0!W1O7PGOB&G3!@JN;0SK
M=!=4F8)^F$I5AQ[/54EDWFDS7OPG%<DDYQ=L[:BL1/W>DG`M@"8/&>.D-7(%
M9OMOEG)4O^76N3VY?;WO;[2Y4FIVLNTUGZ%]:?\`&&W#9EZB_,]^US[-/L^]
MXE?(@V]Q^M?G>)X_<7!X;?HU)S]@M>^RQ_?/0HZ443U^#N)UWZ]+9A=6047B
M0R\UZ5/9B%\L#=M(`6#,H!!77*05@`7=1!DWTB35C8KJ6WHZ8%U)R"4WXJG7
MM0L+RKJ3U-JDO(9GR&;V2SR-E;[(]_>9/(N6RJMB\K[Z(DAXONI3(JRVS$Z>
M9SR)"(=[@1$W(]$VWU(V.T@YH*"Q>$>JO,HVY'<THTH#K4RU))`^"K+'1>IW
MI1#JFI%)K^)47'TMZ6^QS4WH;W_Z*^S.B>C_`%7[Q]4^EO2T5Z?]2^]__JWO
M_P!T^#YSS7^X\QW^)\_NPB3,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>41
<FILENAME>g655868g29b11.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g29b11.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0D(4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````)@```,`````&`&<`,@`Y
M`&(`,0`Q`````0`````````````````````````!``````````````#`````
M)@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!FL````!````<````!8`
M``%0```<X```!D\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``6`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#T3-ZU5CY)PL:BW/S@`Y^-CALL:[=LLR+KWTXV.U^S]'ZMWK7?X"JU
M4LOZT/Q1]GLZ;D-ZI=I@X!-9^T']ZO)HLOHJHH^GF6W[/LM7O]+])1ZP]_4>
MF9?4,.D4_:NI7G)Z9DY!=Z5CRRMMF%E.J&^O(QZL=WV?_38;*_2]3[+E^GAX
M&%]?>JVM^L6/E8&.<ZIK:)8_>S&!+ZVXWK5Y#:F9GLR[?4;9:_\`1;_3]%E5
M:4]ETJGJ=6(/VKD,R<Q[B^PU,V5,W?\`:?''\X^FK\VV_P#36_\`@;+BXMEO
MUF9G_8G]0&=F5,-EN'CYF,+0SVM=9]F=T;%VMW6,:WU\M;F/U_'I+,?J=63T
M^TD,;9FM9L>YWT1]MPW7=/;8]WL95Z]5C_\`!U)*=A97UIS<K!Z#EY&(\57P
MRME[A(J]5[,=V4X?]U66_:/^M+55#K.3@U8+Z,UAR&9@=CMQ&";+S8UP=CU,
MEGTZ]^]^^NJFK]-=;536^U)3E=0Z)]3NC=-LS>ITUM;4)LZA<7.RW//Y[<_^
MG?:'N^AZ-N__`$2S>D]*^L'UDQ:G=>OOQ>BL:6480<:LK+KES:[^KW4EKZ]^
M/L]7&I_GK?TOZ)9'2>GWMS</J?6*,[K;NGFZD-J<<IM>;CW68NK+[*FLKKHI
MIOHN95^FRKKK;O1]&BEG2T_6CK.=UO\`9>+TUN"S']*W-MS[F!XIL,[*,;$?
M?NR+*V6^G^G].K9^L)*>G:UK6AK1#6B`/()U2MZUT>BQM5V?C56/(:QC[F-<
M2=&M:USMSMRNI*4DDDDI22222G__T.G;TRNO&M=U3K-N1BU9E?VEE./Z5]F7
MZ])Q/MCV-OS=_K?8VXGV/['7]C^R?9_U'TDWH?5@UOMQ<CJ@Z=ZC_P!!A#/^
MRS+O6^S'"J_HN_?_`$2[['_HEX(DDI]R^KF!79^T:_JAU;`IQ'Y#G76U8CGY
M+"XEU=+G6Y#,=U--9]/&M^S>G]/Z=WKO5OJW2<6K%N=USK75LC$;6[[8QE>V
MEU<'UO4_9N"US:/3W>K^E_FUX$DDI^I<7T?LU7V?^8V-]+GZ$#9]+W?1_>7-
M]>P^BOZW]HSL[J5>0,7^B8C;]AQQ8SU_3=@X[\CWW>A]L^SY._\`F/7_`$7I
MKY^224_3?0OV/^R,7]A^E^S-GZMZ/T(D[OY7J>IO];U/TOK>IZWZ55>N?\T/
M5J_YP_L[U=I]'[=Z.[;/N]/[3[MF[]U?-R22GWO-'^+(]/N`/36TDL#G8'I^
ML'[V^@:?V;.7ZOJ_0])#&%T=L;\_ZR/'8%O4^(_X+&8O"$DE/O#L;H;HVY?U
MC9Y@=6_[_2Y7,;IO7:J1?T3K%]M>OZKUJASP28C]-LP>HU;?^$^T+Y[224_1
MC,KZ[5L_3=/Z=D/\:<NVL?YMV%9_U:3>K?6ICV^OT!KJS](XV;6]P_L956"S
M_P`%7SFDDI__V0`X0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S
M`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`_^X`#D%D
M;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@`)@#``P$1``(1`0,1`?_=``0`&/_$`(0``0`#``(#
M`0`````````````("0H%!@,$!P(!`0$!`0`````````````````!`@,0```&
M`@`%`P0"`0,%`0````(#!`4&!P$(`!$2$PD4%18A(A<*)!@C,2<903)"0R4:
M$0$!``$$`@,``P$``````````1$A,4$"41)A<2*1L3)"_]H`#`,!``(1`Q$`
M/P#?QP#@'`5<[?\`DF)I:WHQJ;K)3SQMUN9+"D3H93D5D"6,QJLXBI[1IDPN
M6PU"%T:H&A$C/`<G3J"PF&%&E&'C3%*$IBB9:DYMQ%H)&3A$DB4EE%*!%%Y/
M*(.&H)+.R#&32R3S"$PSR@#YX",19>18QSR$//EBLO+P#@'`.`ZW,I:Q0&(2
MN=2A8%NC,*C;Y+9$X"QU!0L4<:U3P[K!!YXZ@IF]&8/..>.?3P&;35O4FP/,
MQ&77=3?BU+<3:[6D_P`E!K?IC`)V\0:N8]6T>D+E'FZ1V"%B&C4R*1.BUK.$
M6>#!"I2$H*H2H:4Y,C33=NWUTFZ:ROP4:-0]&H==74]T:@6HE)4'QJUZ5OVZ
M3GIH>PE?_*6.;-.)]*660-*12'^0A$!/ZQ,8:3DT'7@8&$]KSJKHF?[`<TUQ
MIM^USGE<BN_R:5M;MAZZ/#)%V=<FK"5O,->BV6+7,(IB2E+G)).`KR0IXRT@
M*<%;BC5A,]J)-2Y$S_*^N=?^4@/'UX^=][+NNO\`?7R:;)V8.QHHI<I'4^L<
M;D0&B+0C$A:U+<,4W9X\,F'L(#6QP&`Z/M*7!YO01[FN,&`]#P+9M(T8<5@X
M!P#@'`.`<`X!P#@/_]#6/N#M+=Y5VU_HYIB@B"C9JRH4YV?.++L!$L>*_P!:
M:.1N!L;S9S\PH!E&2J7ODDYHHZT#'A,<M+P-9C*;/(<:DF]V=18_$)0,G$7)
M-LK,V)W0M$\K(UTUN&[K'CD?:U:M,`MV2U]5]5R:$P>"QA2JZC4[>$A:8DSG
M')0,0>O+![7A7KLTXW3X]-D:8TK\8MB.<LF&Y,-E[2AU\O6>S"X(YJSF-A;_
M`&'86"ODV=I-+(I&2&`B0#6-#DH=&Q:)DR>!*>-/Z<Q]+,66]N%PVC6BE::2
MP%V1,RYSL.Z[,6$RS8._YB>>Z6#<EAJ`F*75[=W1><K6(6`ES6*1-K6`T120
M!PAC$<J.4J3ZS;E./@AP#@'`.`^3WU7:FWJ,NBID2X#8LM"I[%KM(Y&".`6W
MJ9K#WB-$+C!)AEJ`@2&N>#,Y+$$>,!^W.,\L\";Q6[XA=@8(9XUJM3S][C]7
MN^J+>^ZZWXBFCNUQ=)6,YIA<:PNJ26N;JX%M;6-0Q80N)AQAX2N2SZY"((@!
MDV:[3]:*_/(%YL'BTI8QZ1^)?)E][#V@N41MTM6&$FJ(U%T!B(XYQ1US(#5#
M8@<7LMM`:I62<"@MFCZ(H:@M4(\(CD3/A9UY[;)?>*OPT5MHTW$71=(V:Z-T
M).-Q>)/:"T2UZ:(`KD',UV9:X$]%EG#<#QG&X7R,].4ZN&3C@`].F-&0-(G;
MMGZ7?\5DX!P#@'`.`<`X!P#@'`?_T=*]L3!+I)Y24]_6XH-2:[;S5+6^OB6T
MUXBP,%-7W5[T^JX=#Y8K$1VV"%V@Q/YQJ5P..`2!V*/[^`)RQ'ESEK?KCF/5
M\GV\?D.TW4RB84%I_65HZ[Q*KPS627I-+(2(4T6>4BAQ+>VQ\A()-$'TX*`H
MM)E*0D&<8YC5`+3FB/R(@M3K)=[JS9P:L?V#W^YIIOE5M(O#;:VS\197@NS2
MVK7]Z<6NKY*UMSE'HC!6>U7V3+JVCP6$IO*"EPG3/!)*0DM0;@P)G5-6_P`;
M):,54^9Y^R6MV.3>7)X2IDYZIS,URVCUTIM6<?TB,$4V,3&ID(Q%"&>;@)81
M'##CMX`#/;#CBZI^>,/LD*DE:U(<6Y[#UW^RNQ.J@I2!VG]CV+:$UAC.9D2$
M)K2GFM.2V/FKBEA#$(D`A-01G)!CR+/;[0BQOMA<!I[OSXW9(89"ZGW/<9+,
M7]<4A^);,V_:B>R"71&>M,S&VAAV)6-3KAQ3K'%1@P#<48:J"$`,F')TR7!)
MFR^%K_%9.`<!^1""`(AC$$``!R(0A9P$(0AQS$(0L\L!"'&.><Y_TX#"-M)1
MNJ^X'ELL(-5LCK85&WNSV1,T$@CB"9QR-6_M'J_7"^;W#4U`2YK>F6'R5180
MDK6G?Y">D=@EGORX38(L]0B7YSRZRV===TX?!#(?&WJ_0L@V;MW9;6*"[6W(
M\RA'.XM+9O`*XDU-1-IE"M"V5E$:]>'-M?VUL=/2$NBY0C1X+69,((R(P"`(
M\V83MFW&-$YMC/V/?'-2Z)>EK:3S+927INLDAFK&*NK-&@+0BQR"XSN>(XVT
M#;Q%_=ZEI*><<\X#@&<]72RS.EJ57C,W'VYW3C]@6K?>I!.LM-NX(L]:Z."Z
M3+'.4SF..Y;N)U.>&QU2M+JJ1)TZ=$J1/'M;.B<4ZX.4Q)Y>,G<(=I)M=5I7
M%9.`<`X!P#@'`.`<`X#_TM5\DN.J?(*Y7G0P8Q!9KHM7Z=XKS8^\9LN&3$YS
M9J<)(\5A2KD2Y-!"=76SD<B=72:^H,3H%Y29(V%&J#<N",N+,7E2?(#[-VEI
M[=CQ':]WDQ[I1'7^.U!=U`V2FE!:\<ZJF(6=&7)\TZMJTVH>8TZ3)ARC(*CK
MNC49+6X0A*4&I`%&%H)\-[6=K,+5$/GH\=$=C*1':$PLBCK4;$R!MD.NTVH>
MXTUGQ*1Y3]`H>-`T019'%!R522).4<4M"D%G`,"$7D80<,L^EXV0DW>\XFT+
M+2A5AZ?Z56G"8++96Q5Q#+_VAB?QDZ8S:6B<B6&/TE22=S-?K&?G`IG7J4JH
M2@]*0%`/U"$S(@EY96=9G6K(?&31FWE#U1.[I\A>T,TLFXKG#'97*(-,I6V_
MBO7MK9DKB%,PQE(G]'$8X_.)3J$4@$SEHF7*A.2426=D@2U4B=K+I(XC:_<W
MPM3),=$MJK@T\MST1(D?M[JFC5V.K%UF9!DM`JA[3,G>-N!)BL0L93F)U).1
M"'C(>0LX:$G;B52C_P`@VN6J=\4C#_#_`'O>>SL6GEB-4'G.A3S&[;G-6I8\
MY+AX5O5(SZXDK/+ZVDB/ETD$MY[RRJ,G8/5]HA.,)KZ:Q;+[1LDXKF<!D=\D
M7EUU_O?8*8:.R"\I/0^G]8KGEHVGL:#QN4O=K;&R&-NX&AYUNJ,$=:E^(G$E
MBPI20]/[D-&D7%)5!0#,I\D$.\RZ3K9,XU?6]96BV/(!MSI)9U':L2?3'QN^
M/Q)+GBH5M@,(H;,[B5S:.FL9`(BR@`K+6L+D)I2A7&)UBY*(D:\]8Y*ERLA.
M6_I+B2YOZJ[^;>/#1&R9FZV)/=/]<Y=-GYQR\/\`)7ZHX4X.;^ZC,[QSD_&G
MM`@O2Y69]3S5031J/_9D7%PS[7R@SY'O%3G8!EUIF6H;%KS5EEZF3UXF\'J^
M<UNV(=?;#2/N(J:N89O'8@PF@":WJH4A&@'E$>1T#4$#P5@[!Y,PL[8SG9T(
MBU/V+BVCT(]9?':<^(S@$9?U,TL'VQU(`64/*LID26PG4DC-[G0+(E!'^8`Q
M!("7D'-J?CS7`O,%_9#FJ)X<0W7X_P"G!ITBU4WL<'C<ED;NO6%)3SDC8AS/
MH#-&5.4J./P4$Y6XA[9I(,CYEY,&-JOX^48M+_/RPTI6KO4OE:>KCCVV41FD
MG(?AK=>TL4R",](!QYM7LL+1,:;#N0>F/!DX+.A(,+/(^XW`35'#/DO7/^=D
MI5/[*OC8YD$LAFP,K<%!V2BVF/4^,QQR`)!Z@U3@IUD;42822`C[L`,$9CGC
M/3D.!""S#T[/.7^QSHT<66<35>XQI1H`&%&ET4W&%F%F!P(!A8PSW(1@&'.,
MXSC.<9QGAE/6N/:_V8/&BM,4DN9]_1@U,<$@13[4I8S!BZAA.S@#%*7L1?IA
M`Y&!,P`?//VX%]>3,7T[)V:_^7+QS[,N2)@J[::O<2EP&`A#$I]EXJJ2+UA@
MQ``WM#=937%OD#@+ISG!3<-6+(?KCGC&<\,I>MG"Q[BLG`.`<!__T[$&E)^K
M`4_(U>702EF520W$?;).7OR&G&Y_)&K`O$UF/C<17@TBH[!PS/5*#T.,9SVL
M`+Y!XFCI^VE353^I7XG:OZ8?@O\`#?6'T7X`^&?$/</3D]_W#X7_`!?D7;Z?
M6>K_`)_=Y]__`"=7%8N>=TE."*V_*@R:2236-"Q[X3"1P"L'*U8017\Q@R6:
MK;'8+K[#X9"5M<)8!%IK(#I?[:!S`5C#4M(],,_N%\ONPJ]<YT9\Y_KYX98D
MZMCMO'O;Y-+5:R3@C98SM'7>Y<:C2@CJ^A.37'6&/R0X>3.7(:)R2?7_`,>?
M$T;SVXD64ZO?_G`]G:_PK_0;JZ"/:OSA[!^0.OZ]KL?VE_W$]PY<^KG_`".7
M/J^G/AHS??G*X.C_`.J70I_K9_7OM^V)_6?@_P#&_1[-Z@7I?4_`OM]L]7S[
M?5_B[G/E]>*FO*0G!#@(,QC_`(T_SM+/AG]&?[-_-G'YS\8_`?YV_(WKU/NW
MRSVK_<#YM[IWO4>L_G>HZ^O[^K@NOSA.;@AP#@'`.`Z?+?@/;0_._A_:ZS_;
M?EOLO;[G25ZGT/O'V]?3T=SM_7ET\_\`IP/IV!J]J]M0^Q^W^S^F*]M]J]-[
M;Z/HQV/0^C_B^FZ.71V_LY?Z<!R'`<8\^S>UK?D/MGLO9S[C[SZ7VOT_/'5Z
MWUO\3L]7+GW/MY\!0!Y#6_\`7P=FY0V[6/FL<9F:U<>F^04*2<HNUG=C2E00
MKWXG6]GD$O-3IS.X(`9&A5-63_\`O+$/ECB:-SWX5ZU!J$\*V)`N\8GER\A[
M%5.0+11*,S73W=>3T_V1(^H(&V:):XBE7EG%)\`#G*=B,-'@10@](@EX&^JN
M?/6)J,&M/[&+(A3?!O(GK'.HZ848!*9<M3JXA)DX0F!R6<H1*=6G:3"4&\Q8
M%A:K'@`<8Z<9Y\\-4ST\/:007]FMI"K*47-HQ)\]T625*]K)3BZ"\9#@*0+7
M5,>#VC^75COE]>.?UR'ZXX:GX^79XC?G[%U?.J)OL3135C81BP<F]4[5Y<D,
FJMY,(`4FRK":YRRW#$!0U&3,X`,J/#[1I9N<@&7DG&6ICIY?_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>42
<FILENAME>g655868g29r80.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g29r80.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0L@4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````+0```&0````&`&<`,@`Y
M`'(`.``P`````0`````````````````````````!``````````````!D````
M+0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"(0````!````9````"T`
M``$L```TO```"&@`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``M`&0#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U59W5NM4=,%=?IOR<S(D8V'2)L>1])W_!U,_PEK_H*QU'/HZ=A79N
M08JI;N(')/#&-_EV/]C%2Z'TZ^OU.J=1`/5,V#;W%-?-6%5^[73_`(3_`$ER
M2FE?USZR=/H.?U/IM+,&N#>VF[?=6TF-T%K:K=G\AZMYOUN^KF#?]GR<UHN'
M+&-?:1W]_H,LV?VE5^N%[LJBGZO8Q_7.K.#">?3I819D7O\`[+=O\M7<?&Z-
M]6.E.<-N/CTC=;<[Z;W?O/=]*VVS_P`X24W*.HX.1@CJ%-S7XA8;/6'T=K9W
MN_L;?<N?Q.G7_6B.I=8+V=,>9P>F-)8US/S,G,+-KK'V_397^8JA<<;ZCY]N
M0X8EW5CDWX^.X@.B]Q=7C55_G.?5^8W_`$BZOIUE-O3\:RB#2^ICJXXVEHVI
M*6P.F8'3:C3@TMQZR=Q8R8D]U:0,ZUE.%D76':RNI[W.\`UI<XJ'2KKK^EX=
MUXBZVBI]@/.YS&N?_P!))3:226'^WLG,ZD<;I=++,+%?&?U"UVVINW6VK'V_
MSMK&_2_P=:2G<5'JW6NG](I;;FV;2\[:JFC=8]W[M53?<]#ZSUNGIF-6YC#D
MY64=F'C5_2M>>(_=K;_A+?S%6Z1T1V/<[K'5WMR.K6@E]O\`@Z&?]Q\4._FZ
MZ_SK/STE*_YP=0^S?:OV)F>ENC9^C];;'\Y]F]3U/^MI*M^W\GU?VSM/[!]3
M[-N@SL_\LX_T'K_H?^(_3))*?__0ZGZP]6Q[/K+TSI5C76TT6UVW5,@EU]DM
MPF/$M]E#=^7;_P!;6;;F?67ZM]7<'LLS:\U]Y:;;V^B^)OHM9ZGNPWX]7MR*
M_P";LK8G^I6+=UCK^?\`62\$X[;;!B;N[G^R1_Q&*UM7_7%O?6_ZO6]>P\7'
MI<UAJR6/M<3!]$A]=^S0^_WI*:WU.Q,S,Q[?K#U)T]0ZD"*7`:58X/Z*NEAW
M;&N=^E_[;_EJOF_4C/M-68[JS\W,Q3ZE;,UH?CDC\UU.[]%_76QG_P#.+%M:
MWH]&+=A-K:QM-CG5O8YLCVN:"QU>S8L[+Z5];NLT65=0RZ>GXSFG]7P]QL?H
M?T=V19]%O[_II*8?5>FSK^0[ZS]4J&YWZ'I]!.YE=;?9=8S]YUMOJ>]61TSZ
MP=$+F=$=3F=.DN9@9!+'U;CN=7C9`]OI[O\`3?053H/UIZ)TSH>)@Y-CJL[&
M9Z5N$VM[K18PGU&^FUOYWTU7^L'6OK!D=)R<UM+^C=+K;].S3,N+B*ZZZZQ_
M1&O<_P![_IL24T>N?7+.ZA9_S>/37,OLM:S+KHN;>YU8.ZVBE]+=K7V-_G/]
M%[UZ$T`-`:-H``#?`>&B\NZ)TW+RND6870<5UEV4W_*'5+OT3"W\_`PGO!=[
MOH6V?]\V+J<_"^N>7CTXN)91TRNBD/+ZK'/>ZUA=Z.-ZC@'>GM;5ZS]O_;R2
MF_\`6/*R['XW1,!QJR>I%PLR!_@J*X.3:W_A7;O2J6/U[JG3,#ISOJWTL[**
M*]N?>S5M%'^&:7_GYN5_-,K_`-+:BY/U?^L'UAR:,CK%M?2ZL?<*ZL,EUY#]
M+&OR?H,W;?S-ZYS(Z%T7'SLO[,V[)Z?A.&.*'V']:SWRVK%K]+T_91_AMOZ1
M)3L],ZST?%M/6^KWL/4<AHKP>GT?IGX]'%6.RNK=LON^E9ZFS_SXJ_4>O]0Z
M[G?LUV)?7B-AUO3Z8%]C>=O4+W.95@T._/KW>K_U:G]7<+ZP=-P!C8'0V4YK
M]QMZCE6,;#G3[:ZF!]_I5M^A[O\`JUE]+KKP&V8/UJNS,*@V.=?2RIPJO<3N
M-F3G4>K;E-=_J])3UO\`SCP_^;?VS[#^@]3[#]FWL]+Z7V;^D_S'V3\WUOH)
M+2]7H7[#]3]#^Q_2\!Z7I_U(_P!7I)*?_]'U#&Q<;$I;1BU,HI;.VNL!K1)W
M.AK?Y2*DDDI22222F.UN[?`W'0NC6$UM55U9JN8VRMWTF/`<T]]6N4TDE+-:
MUK0UH#6C0`:`!.DDDIS/K)U,]*Z'F9S"!956143_`*1Y].K_`*;USOU+Z8,L
MT9KQ.%TT.KPIU]7(?KG=1=/T_P!)^BQU9_QD">BX_JE[</[77]K-8!?Z</\`
MH!Y:WZ2Z+IGV']GX_P"SMOV+TV_9]G&R/;_JY)3:3$`B#PG224MM;MVP-L1'
M:$DZ22G_V3A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`
M;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O
M`'``(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`
M9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"
M`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P/_P``1"``M`&0#`1$``A$!`Q$!_]T`!``-_\0`@````@,``@,`````
M``````````D'"`H%!@(#!`$!`0$!``````````````````$"`Q````8"``4$
M`@(!`P4``````@,$!08'`0@`$1,4"1(5%A<C&"$B)#0E&3%")B<*$0$!``("
M`@(#`0```````````1$A,0)!46$2<8$BP?_:``P#`0`"$0,1`#\`W\<!3G;/
M="":KIHE&P16971?=IG+T%+ZY50W@>[-LA>W$Y.<G(*<0L(XI`XX3^=XD#B(
MM`W)@B%^4W`"!EDS^%'YSN]Y(=<H.LV)VHTII&.ZYQ?LW6TFBJ=B#IK>-7Q!
MQ=$K<<_&MSA%6N!3Q5%\+`&+$K8X%Y5@P(1(P8QGE-KCK=2[6+NGRW^.K7V:
MCKFSMG8LDG1!.3U\6AD6L>UW=G]",3@:G?TU40R;9CS@G0`R<:F793J"BO[#
M`'&<9XN4G6WPMK"]AZ3L6D2-D(39$;D=&J(D]3H-D(%)V6`F+1LA>HD3FLR<
M04M;Q,`6I4%<G/)+4I#DYA1I8#`"!@8N<>2?ZHUTFWEMPAVFW4<9O']/Y$K-
M=M6]'V1]>X9'Y+7I*D?Q>Z]C'&/KVQ[FDDGR0(')M9@FE-[:WF%9P,\M2<`<
MY:S]=3DW.A]:*(U@BZF%4!6<>JN)+'%2[JH]%L+4[6H=%@2`*'`U*H6*0#5F
M`3`#Z\_V"'&<8Y8R+G6;;>4Y\$'`'`'`57VNW/U\TOAK9+[TF0FI3)G$+)`X
M''6]1*+-LE^$<E(]E@$$:L&ODC5DG+B`GF%@"D2=<O*@XK!@,B+);PK-^_\`
ML#]:?;W_`!?[G_$?DW8_&.I37W=\1]N[GY9])_8_R_O>_P#\7VG_`%7/\GJ]
M'\\3]+B<?9__T-R6PU[0/6:EK$O2REAJ2(5U'E#TM(2@P<Z/;@884@C\584O
M\972272!8E;&U/C^3URLH'\>KG@29TJWH[KG-8Y\LVQV90I%NXVR"=(ZSD`C
M/<$E%UJ$T2^`ZRU\><`/MD5KMO/!EV&3@(WJ1#5+5)A^>B,);?$X5R\P,U<K
M6@]9^-.JG`H-[;Y2=OBYZL"<+D76-!PIY;I;<%J2%$!068!N(8V0Q`D),Z>7
M$1BH"<S!R?.0RKU]^(L]`ZUTS\3>K#PX)LQRIZK@+,%XL"Q'\:=1-K'DA:;D
M<]2=YR7AYG$_E:_&0)$1.!C,4'!2HDY9>"R0WA-]J4,J6FUEX/MN);9+VTT5
M.=\';;2\*EIV1*VEED!2+8N2.[U"Z7@<4&O)6N[M)X"80<!M0A4*4@'8>1E_
MB&'$\-<]I\-!^NT@B4LH"CY/`3D)\'D%15P\1`UL"0!OS&G"'LZED"C+3"$G
M)3EMQA80@!GT@QCTX_Z<5F\UREVRAGA%,6[-)"O`U,$0K"?2A\=#!],MM9V"
M*.SJYKS!\P^@"-$D&9G//'+`>!.8ZKJO+);/=8=<9U/B5">=32AJ@EDT3JQ`
M&J(ELCKZ//$C)4C+SDL:@IX6'!'D/]<BQGE_'`O-3SP0K0.^EDW1LDY57J36
MD0E6OU&2\33MMN#:<B5Q^GXIEA"6OF]>T\-L$`=A6%'6K!H5RT1Y;.SJ\`"K
M_`8%1Q&L8F^4Y;D;L0W52NH@YL["X7'<UU.R:&ZTT;"U!)LHNB=.J8H]N)0J
M.1I++"FHA24K>GT_'9MJ(6!9R,XT@DVI)G\(:U%TD75O+'W=3=&21RU]W9HS
M*U$EGAX\@K?7.#"3G*`5!1*!U.&AB4-BC<:<4M><X"XNHS51QY_34G8,BV^)
MP@O]_++^3_O%[8M_XU?G_P"OWN_8N/NGP;N^S_>CV[H]W]6_:W_CW+T=7XK_
M`+STO3_3@8\>7__1?/Y"-LX!(O)3I#J#)6B1SJOZQMBL[$L>$PY*A=ULJV#L
MX;NTZS1Q_0*79K`EBU5-B)UL%[&IZJ429,@_KD[I!'&Y-6J32FW?)/XN=MG@
MIWBEA;(1G8^:[**6U99^Q4:^B+"3-R1YM.L)]%3)6<8]:Y2*H(.0L1S!F/$0
MT.K,V%X1FXZ"91AN+CKVAAGAUJ2W;H@$Z\ENT[Z<NVBW%9EK77KHE2%E(*2U
MO0+%'P2(UO'W$3FC8&9\>BS'T)0QJL+$O8&JLF*QK35">V>VOYG"';J\(U\2
ME3"+Q=/(-.-D[XI-Y.G,,C&X\10336-Z7MA9ZE(RN==I7DT$&;U8\`[MR3B<
M1`Z>#,)\""#);"_:<8T[IXP(8^^16>//EBVR@C1[LZ%*:GT_JQ2M^30>HZZB
M9*N-V/-(^2K(`C=WZ>S\;NF"XJ"1*"TZ8W!8NB:1@M-[.W\_S$T(]9_(!H:I
M<V30ASI_875`;HZOD7U,OIY=H)/:=R^N2EY=(G2MS("5C8OA8G58<8C124.<
M-A)F"2A&B",XPF9>>2=MX?,I>6R+]CQLJ](Y#'K#E=K1"%[%0FE;_BM_RB7U
MLTO:)^G-35Q(ZZBZ1D:Y#+V=&%([K5)QF6))WJ-8F`;@TU,RU.LF\MC[6F2H
MFQN1H6TIF1)$*1,C:""4B<EJ2D)RRD[:2G;QF(""D)0,%!`0(1(<!Y`SD.,9
MXKF6/Y&+.MF3/%'Z&:\/CC"+<W(5S%/++>;PG%J:0URKM&U+;GGC*J`'(2YT
M[H7M*QL&.8,@6N`C0G)SBR#<1J>[X+AWLVCUIUZUW?/%_J.L3QJN:VKO,:VV
MM&&X+=XWK1K^J,6IK"9'*2DB$@DFS][+3%#`V-1YG>+I`_#,5F$J1\\/A9+G
M[5T763<G4*I)8KWXW4MB%+]IK5BS=`=6-0J=4&73-]6]=$^!HH'3L;A\".?$
M\<L^Q$)I2QZ4.PFLW!BCM,Y2#,7)A"R\3A$&P^_FP7D#NTS5AVUYON*4FU]G
M(;`T]I]4T(]CK2C(,`7)&W;ZVG1^C<$U1J=Y1Y!ES91+#WS\F$ZH."E*9:06
M229SLU'_`)'*?_XW_NC]7"/K7[,_3+Z.^>59]-^OY;]*^K[G[GZH_7SK_P"%
M\E]/M70_[>A^;AEGZW.,O__28YX6:OEV[&_>U_E#L)(N/JQFMVUT^NPG@HX`
MU\NGI"&+!<6_(S.2E)5M%-2%AQD9>2^J[XP4/J)C@@D]NG;4G4W#R^>/J6>0
MZHJ%KB%N;(Q+(1LK");.7IT=5;0XD4JYL$KA]J)(PH3-SD6ID)C?($JHE,>$
MLE2!&,O(_5D(!JSUN,I/OD'D2J&4,39I156J-CZ^-%:P^)L=9V'*IA6,W@D@
MC*ER;C?9'-J;G"+.T+418;:20G-&0H2C0BP#'+/Y:DQYY4TM757RZ;Q0F60[
M9._J1U*J)ZC[V093>HH96]V/803T"\I%#[)N*;9"E869R.4!(<<LH%*!>BYE
M'HQ8&/B;7/6<3:/]#O*-I-JMH]KWK]:LMDD.V)IZ$'U?/-:&>LK'DUSH[-A2
MUS32QL^(LL75]-6]KTYSD6<>>2CZ2C.1'!]!F`LK>MMMG")?(%NCY!+)U1NB
M\VZO)MXZ].(BP!+S))L(I+NY>RZ4/#1%(5$HK$D!J@G79ID[Y(2"G)S4C4NK
M:E")4F-4%@,3&B29DSFE.:4ZVVQ:^HLNHGQVT6^2^?79&<!V\WUM3"BJ(2LB
MAHB3'[4_6>0/[0X.BUL=`F>WO[N$@LYP,[K*I+V1B$U+&K=YM/TO>D_,Y<U>
MUE4E/2RCM*HK6M.M<H4O]<V9,K"FLLMF%K9`FKFDQ3)[:6UR+A0VAA812-P5
M(C$ZH:U2`8W9/@Q(.[8EZS?+IEC^/SR!>26Q*MLG=B;UMI-$*B!(T<2@^IKT
M[R781Q;IBG0HYHVR&\%*P+#'6Q]*:D_3);P.:,90.1Z+JAZHBYDXV2O/]%]*
MZVO38`RKF*WKEU;ULD3'1B&JY;9S\>9NQY))U[FQ0.AH@I@Z:%#S'ZI.5]>1
MJT6<.Z7)2G'K-2'AQB-2W$SS_B^?CLI3?W5V@R*MUU\5L,@.P#\5*7&PMR]F
M+-K.+FM<IDXG!(G:8K"(\V2&SUL%BC86E);4I"_*$0R3CSTP3%Q@AW])<6[[
M:4*U?C<>UX1377_R\61N7KI7BB>R"1VC6<6H^3ME0[+R1Y?SWAQF-U[1U8?.
M;"O5D>21%IAI4Q*%N(3)"A)UIA@U0C)^5N]]<-?WR;1;](/DO_I3]"OJWK=/
MV%L^FOK'J=MVGQOVWM^C[C^+M.U[WW+^G3[K^.-.>\_+_]/>!7%95U3T/:Z^
MJF#1.MX*R#7F,\/A#`V1F-MACJX*G9R,0LS.F2($PU[HM.4'9`#&3#C1#%SS
MG.>`[QP!P!P'P@:VPMP.=BVY"!U4)P)#W,"1.%P/2EBP,M,<M"7A28G`,.,X
M`(60XSCGRX#CI3$XM.&%PBLUC3!,(P[@)+=HW*69ND#"YEIU)*U.6X,[LF5M
MZT!"Q,6:#!A8L!-+"+'(0<9P'*($"%J1)&UK1)&UN0)RDB%O0)B4:)$E(!@L
MA,D2IP%D)TY)8<!```<!#C'+&.7`?7P%(/))LLLU#T<V/OYF6)4,KAM>K$,"
M4*PE&E$V),5B*%0-3E(;C(7`#?*I"E4F$<ORDDCQG(0\Q8+)FR$Q>&#6=+<I
MM5WT^)#W#7G3QOE<$UF$[%]Z"\-FYL:!=M7N.Y*U^%2M_2KIF:>PPY0<H582
MMZ+&2\)U247.1KM<9GMI\XK#P,++.+,).+`:4:`19I1@0C+,+&'(1EF`%C(1
M@&'.<9QG&<9QG@/3V2/L_;NT2^W]KV78=`KL^SZ70[3M?1T.UZ'].GZ?1Z/X
MY<N`_]3?QP!P!P!P!P!P!P!P&?#_`.D,H1VEM/%RE=+6ZB1[:U.'8A9`&MH>
M9JGK/+)-N9S"VOSPPM"Q6!^PD[<H]406)QRD]9@2L&<Y6^G-]G/:S?1WZ^4U
M^M'Q_P"@?KJ+?4GQCK>S_"/:T_LO2[K_`''O>W_UG>?Y_>=7NO\`(ZO%9N<[
)Y3CP0<`<!__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>43
<FILENAME>g655868g38h38.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g38h38.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0I$4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````+````(T````&`&<`,P`X
M`&@`,P`X`````0`````````````````````````!``````````````"-````
M+``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!Z@````!````<````",`
M``%0```M\```!XP`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``C`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5)<WB/L^M1MR!F68W2L>^W';BXKW4W6NJ=Z3WY^0PLRL9NYKG4X=
M/V:WT?3MR;;/5]"JU_S.^KP.YF/979()MKR+V6DC@NR*[VW/^E^=8DIVD/(K
MMLI<RJTT/=H+6@.<WS8VP.KW?UV/6/\`LSKO36[NEYSL^L&7874G;B1/T<?J
M53/M-+MN[^EU]0W_`/`_SBL=-Z_C9EYPLBJSI_4FMW.P<D!KR-9LQK&.?1FT
M^W^=Q;+?3_PWI)*:[NC_`%E8_=C_`%@>YND,RL2BP=O^X@Z>[]Y9+>L]9&-?
MEY76\;$QZLJS"I?9@$NR+*CZ-APJ:\^RV[].VZFJNNNRU_H_06E]8OKGT3I'
M3,R]F=C6YM%9-.(VUCK'6'VTM]!C_5V>HYOJ?\%[T#ZE?5_"Z?A5Y#V77]08
MQM+LO*K?6Z-HL>S"HR&U6XN-ZMUGJ?H*+\J_U+\GU?YQ)3BW]2SW9&#CYO[<
MS79-AKKI:['Z<;#.M[</#=C=59AL9_.W9EM5-/\`A%WU-3*:64L+BRMH:TO<
MY[H`CWVVN?98[^78_>J/5>I]#Z-/4>I6U8UCV>GZKA-KV,)L]-@8UV1=75ZC
M[=C/YKWVJU5G8=V'7G5W,.+;6+F7$PTUD;Q9+MOMVE)2=)9_5?K!T;H[0>I9
M=>.7#<&$ESRV=OJ>C6'V^DW\^W9Z=:AG?6?ZN]/RAAYW4L;'R20#598UKFRW
MU&^K)_0[F?Z5)3IK)ZWUG["TTT%@R-HLMML!=714X^FR^^NK]+=9=;^AP<&G
M]8ZAD_H:?97D7T4<OZ\],%+W=*JMZJ]KF5A]337CA]KV8^/ZO4,@5XOIVWW5
MU[L=V2__``GI?H[%GUW8_2FC,<+OK/U6S++LD8#!95CVNVLNM].O>VA^+A-9
MC8OVNRS)V,]"G[-3D9"2G?\`JYB]2Q^G$]3R+<C(OMLN'K[/4KK>Z:,>ST&L
MI;975L]9E/Z&N_U:Z/T/IK57.5?7?I[,S(Q.ITV]+MJ-8IIO&^^WU)FRO&P_
MM/ZNWV,]:NZW])ZE=GH^FCT?77ZKWY->(W/:S)M>*VTVLLJ?O/T&/KOKK=4Y
M_P"9ZGTTE/\`_]#T+.^K/U?ZA><G,Z?1;DN^ED;`VTZ>G[KZ]MWT/;]-!;]4
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MQ;;*_P!_T_T?YBZ5))3D4_5+ZL47T9%'2\6J[&.ZE]=36D.'T7.V`>JYCF[Z
M_5W^G9^D9^D6J*ZP\V!HWD;2^-2!^;N4DDE([Z*,BIU&16VZFP0^NQH<UP_=
M<QWM<GJJKIK;54QM==8#6,:`UK0-&M:UOM:U3224I8'47.ZOU['Z143]DZ8:
M\[J3FD:V@[^EX1VV!_\`.U_M"[]%]#'Q?^Y*T^K]3HZ3TW(ZC>"YF.S<&-^D
M]Q]E5-?_``E]KF4U_P`MZK_5SIV1@=-!S2'=1RWNRL]X,CU[?<^MGN?^BQF"
MO$I_X"BM)3__T?54E\JI)*?JI)?*J22GZJ27RJDDI^JDE\JI)*?JI)?*J22G
MZJ27RJDDI^D_K#Z6[I>_[/N_:%/I_:_4V;HL_FO1_1_;/3W_`&#[5^@^V>C_
M`-J?LZUU\JI)*?_9.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!
M9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!
M`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`__``!$(`"P`C0,!$0`"$0$#$0'_W0`$`!+_Q`!L``$``@,!
M`0``````````````!P@&"0H#!0$!`````````````````````!````8"`0(%
M`P,%`0```````@,$!08'`0@`$@D1$Q05%R$6&"(C)$$E)AD*,A$!````````
M`````````````/_:``P#`0`"$0,1`#\`[^.`X#@.!B<W(G*F-KTU<.<39)>H
M\@IK>YNQO$HC;1U'`]2X+XNPR&'NDC\E/@70C+>&KS1YQXJ2\8S@04`D4/[P
M[8X)38EL3VU)NU?7*U!(M,=HJM</UA6AP!*[-F^=PIOXH\)Q]0T7[^,F`Z2?
M`)@@K9/-G^ZU6-P:]:]2UF[8AMQ;+EV?FKV1NF>WOH7@BEH>BF=EOKD>35#I
M]LQ]F;W)&4$Y2,T&5SBD2^8(P\&<A\W9;:C?[62))9;M1MEV>]'X2L$N)Q,Y
MBT[%WA)WDDE-DM3BN:[>K+UI52B3-2I8F,PD3&NW4`7B81T_004@UFV;UXW+
MVXK2CK`[LW<QMF[K$0R^=U-65=459?;LUOEL)AC`^K%\N9BXM448GLEAN`Q%
MS&E6/TZ7MZU7@*419BK`"\AU5DE^4445UF&^46`OS#A=9IG0'`>LT?ACK,'X
M>(L^'USP/3@.`X#@50VNVL8=9V")-;7$WRW[[N%X70_7C7J%FI@3>WIFA1`7
MNF2U*O/H(E7<';#0N4LE+AT-4<:<9//$(TQ,G4!2+M;R3?&T+.W1MW:^^(;:
M=0N$^@M:Z_16K:[(AE-122UPRO0-@SZ8D#NF.L*SZQ9["?BH>FE+VK"=(7J(
MNRTA&D0&H0<#<9P'`__0Z\]@M[0PRV5.J^L-4.VUVWY#*UR"0UDPR%+":RHV
M./Z8:V/3+:"ZES8^--1,,@0DF'-3:F;WR5O80A$@:#B!Y4`#&4=2]UJ7I&IY
MF.Y^I%//`5"58M@5.Z93>Q(TD)*-/-.8G&Q+6V;;WZ9%GA-"68X(V&*#&`L.
M2TI`LB$(/%8Y]VBF\#5J8]IEO-'$XBL&(H4*R=&K>"E$,O!IC8TS62;6U/-'
M8KS1?MJ7Z&)1@)ZL&!$9Y8`S:ENX_KU:5DIZ!GQ<XU8VA.\T).M6T<?35?9$
MC$G4X1*%53O@75[JO8%C"K\0A<H!(I,BR'&!",!C..!?O@.!RCN-I[<[X=ZO
M<AJTH;8C7D8TYI:&:.#WBL%G)G,2H202F2KK.V@,J2JUZ4MOL[9EWDB1ACB%
M.M7)F!@0110I=@'@7HT:X-W^L?;5U6U?D*JSVJ)NUR[)/@0#F>VNQCR.YMEY
M>KP(0AB-LR4IS5$-9?\`S@MDC"=B8$X2B\%(09!C/`RK6#1.E]7);9]KL[C8
M%O[!W4Z*EMJ;*WS)$4^N^6L_N&5K%`"I(C9(ZR0VJX80`A,SQ>/-K0Q(B4I0
M_2B48&>,+G\!P'`<""=E-CJJU/IB:WI<;^%DAT-;3#P)$P`K)),)"H`,N.0"
M!L(!A72VPIN[>6W,K0C"8K<5YY9)0,B%]`T[ZRT_L)L*";;I[R,BS3]-<K82
M5.6JPY4WL=V0S7(Q<@=X3J3#GQ&O;D.KM+H1&%&S]W$JQ8%E2I6M--3Q!*A:
M"!AO*:LU[7::#UFRCA\(2B:Q1ZMX"WF,\>+-9X@TE",9H7&21)/.;XRQD`$,
MA$3DM&E#C.<`!C&>!FG`<#__T>A:B:2[C/;JD&P"&O-<Z$WY@M_;'V1L"\VZ
MQ7G^-VU[DYVC+W%X.;[:B]E0N35)8'QU&%"%B8U#7*X^G*:&HD@MM(Q],!<,
M[=S9IC:SUDK[2>]XE251Y!P:^L?MQSUO4A$8`HI2UX-WQC$K5IS!B\<Y-9DX
MRP?J&$./'P#[A.\ECF%%&#[;_<#3C,+`,9!T<U4$:0(0<"$2;DC;,\C)A><]
M(L@&,'CCZ"SCZ\"-+SDK3N#5B^M+T[0^S]UUZ\+#23(O:6-#FP#0Z$(CQI),
MV#EFZ#3*(LZ-YHPA2/3*`+FC/,P8E'@18A@#6K'93WHNW7%)M*JSU1D6X.ET
M;81KHGKIL;ME&I7O)1I*%>XEJ2HO;M9P2TD=NT]'8V40>0P+\R^=!`'"9&M/
MP4$DP)RO;>_=K/;\=]ZZ1O/0@V+S"'QY-0$5K.G[LV5?+BM^S'5NKJJZJB\P
ME5XZND1N8/UPOZ5F5EN4.<%3(,E3ZUK$:G/3%A7W_G:H"3U9`[MI#9>[+:7[
MEZK;6W`_W]0ALKC;+6H)C<ISR]1/89&AB,!@\TN.(W?"'L2]J<Y>ZR)O"L2"
M$B3-YZ$DA*'41P.?'N`0K_HLG-_S<S0*UM2*9U^C2BOU-4%RL^/N\@G[<)D2
M"L=%<*2=T+:3F6\9E>%`6\J.K8VE3L^2A"6*U>!AX$K;0;D=Y6A*2)LN(=K'
M7VZI0:_-44%6M+[QV9;-EHU+Z8<A0S-=$E6C=2QU1#6M<2`3EE-(A*$Y*H!@
M@E$EJ#B0CFU-C/\`H-F-"1]YJGMRZV4C9:E9$6R<-B[;6$WC;Q#>YE-Y<ODM
M9UR]M5-4`V*&)3A48G+D%G.><$B*SE&L,`,D87#AE9=TEOT1;HHHV4I=7OF^
M2!TDCA9=PU<UR^`0:+229N#XBK,353"*G&&622NX2L3,P)$4SID3FM2&*!-X
M2S@9+"+8'JWWFE$9<V"U^ZU1J)6X.3JN)EE5]O>(`G[,F=BTGD,S$\S>XW6M
MBFV+C)-PWB<84ZK#\FY&L/48"$K`5T?.S3;$,V`UCVW9;[=M[]BJ/G5HS5[D
M7<%LI^;&%(X3&!LL-@6*>CE/5<^0BL8S5RU.ZO"5D1Q\LY8^NP5YCJ`3>C(`
M%L]M>U\#N0U?#*WWTO>=+6"(SY)8((#J2L?=?*W?5:!&84U,T_2R616U);""
MP.(BUR)PRM:#4RY.$Y*0CZS2QA`DE['K'7^R\!VZT?V>G6N%[1VL7BHYG,+U
MC3MORXS2-OCB:XN<G:G_`&3LQ?-X%9RW"D:8YU0NYJ`Y$`M*)NRFRH*4!/\`
M)M,NY6:SEF0;O*6*SR\)*HDT^=:/:<36OC!'/V7%.J!$(Q"ZQF9:I&S"RW!\
M96(D8`A.$7DW`LC#4FQ;@=PH^WK1UV>.Y/&R*Y:^X_0NBM=;T`TNI4!;G=3]
MJOLA9=ST.I@V9;FNU#6QW!'(%%B'?&0NY,J<36[.!%&XZ0__TN_C@.`X#@.!
MIQ=.T3%R=[81LK";;=(?K"CMP[;&RM'$L90CJN7[P,L,?(+"-FH^YD+DBF&/
M!*"1>[/32E3^WO,G:4#NH`:M#DTL+4[.:%UOL-.8W>L6G%E:U;6P2.J8K!]H
M*%=F=DL1/%35![F5`;!8).R2BN+HJT+Z=ZS,>E;,Z(R#A&C1"1G'FG""+4T:
M[OE9D";FJS=#-LT"8L86]VLZ$W5J%.%743U%_<CQ6BW9^$N*@E3GPR:WQEH+
M,*QC]@`O'.0S!)<W<JPF("Y:'ZX8<`EA"L]IW[D"MLRH#CI-$WJ7#3)J7'(Q
MBQXEB.3$&Y#G'4`.?''`MW4[M;SW%?<;L@U?UU,3W`_)46KBRGZV&1$S>G29
M1#73"05A4B@]\,4Y/]002TY2D8P`):E1]3.!)G`<!P'`<!P-?7<EVGE6L^OY
M+/3!+:^;:;'RYGUSU!A2XP0@O5XV/@Y`W2US3%MKOG[)IU@`NE\@..(PC`UL
MIA)II0U!6<A@/^K&F?\`69_KA]W6>W?'?D_-/MQ/WS^1ON?R!^4WAZKK^3/G
M/_,/'U/AZS^/U^G_`$\#_]/OXX#@.`X#@.`X#@.`X#@.`X#@.`X&CS6$*K??
MN:7=NVZIS%FN&A7R#I)I@4N*,$W2:]3UY;7NEL9'\#\2!>G6MQ5;-#BF-.3+
MFM`XB!@&31]0;P^!_]3OXX#@.`X#@.`X#@.`X#@.`X#@.!%EY^'PK;G5\E]'
MQI.?,^%_1?,'E?;+GYOQ9[A_#^0_+\?9O,^GN/D_U\.!%>D7XM?B90OX3_:_
MXL?'[9\-?:/N/MOVWYJGU7N/OG^3?>'OWJ_N#WG^^^_>L]S_`+AZG@6GX'__
!V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>44
<FILENAME>g655868g43z11.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g43z11.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0I04&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````MP```BH````&`&<`-``S
M`'H`,0`Q`````0`````````````````````````!``````````````(J````
MMP`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````![0````!````<````"4`
M``%0```PD```!Y@`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``E`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5<OUG-Z?TBYN,RK(R;G_`*1X;:Y@8#(#O5/YS_H^G7_@_P#P3:=U
M,-W!]3@YCMKFRTG^L-5S/UE-C^IA_P!G:[?2R0_4M(-DLW5O_P`_W)*0CZQ8
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MG-D[BUC(DZ[4SJ>H,`L=CU,!)AVQ@U.NW_H_114[?0;\+K9RJ#5DT#&+"_?D
MV/W.>?6_>W?2K_[XNFK8*ZVU@DA@#07$N<8$>Y[O<YRY3ZD,<S,ZJ7[6ESZ=
M&\#VOX71%F:=_IVAS3K6Z6Z:M]O\T[\U!3B]=R.G=(VL%-^1?D2XAEKVEC`7
M$O%Y_F?TMGL]+WK+/UDHVP<'+@ESI^U.GW;=WN^EZ?L9^C_FV*_]966-R\>;
M+-_HO!<PELC>#[O3"SO38![<O(]S@7B+!K^__*VI*4?K'C-;O=A9A:SW%QR[
M")'N_>_DKINB48UV-1U6H75ORJFO=6^Y]@AS1M#PYVQ[F-_/VKC\RIOV?(:+
M;7L+'$R7`$[9]S#_`%5U_0;F5=#Z>P@C]!6``/Y+4E/_T/55SW6<.N_/<]SW
M-(:T0W;&@G\YKET*R>ITN=D!U36N>0-P?8^L1#HVFL/]V_9^9_-I*</<'B3;
MFSS!K,S]'_1_RE6ZQAU_LG*O]2TN->Z'@`\M'O&QKUJ>L0"?2U:8+-V3NXY_
MH_E9^;_H_P!]5^L5/=T3-?8QC6FD.866V.Y<S1]=S*O]?S$5._1A"ZG$MWEK
M6UL+F@N$D-&V',>W:I]88U^`]C]6N+0=2._B$;!_H6/_`,4S_J0GRQNH<-N_
M4>V)G4?FH*>5LQ*FN'IT&QIY/KN80?ZKC[DF8E+G$/H-;8T=ZY=)\"QKEH68
M&8'-]+U;&&=^\M81K[?3VXMGB[=_UM)G3\PN=ZKK6M&E986N)U_PC78K?=M1
M4@^K6/3^T>KU`>P.IC68.QWYSMWT=RZ.FFNEFQ@@3).DD^+ML+&Z&QS>L]7]
MNQNZF!$?F=FK=04Y'5R]N0QXDM#0(:U[W27<^G4U[MK?SEF#&C>0_*VN$._I
M1`G7V37N:[V?X/Z"WLO[,VSU<BX4-#0T.<YK1)+M)?\`U53.+]7I+C;0"X[C
M[ZQ)#G6;X_XUCW;OWTE.9D-?]@RJFFSV46F;6W"1L+OYRYC=WT_SG+9Z`QAZ
M)@;@'%M#()`\!_<@YE/3_P!G9=&/<TNKQ[?T3'-):W:X?0;]'W*UT0!O1\(-
M$`4L@?V0DI__T?55GYXFP!A:VR1)(:[V[7<ML+&[=_[CO4_L+YE224_29;?(
MVV,`V@&6,(+H][OYW<WW?F*IUD5_LS.]9S146B(:TD-W-^C[OTG_`%[TE\[I
M)*?J;'V_9ZMD[=C=N[F(_.C\Y2?.W34R/+NOE=))3]%DMVW^WJ41^]=/TO\`
M`>S=_P"HE.6[*Y;G_2?MEUL[MO\`A(9]#_1;_P!#ZB^<4DE/TMTW;^UNJF3Z
MA?3N;'M`]/V;7SN?_*]C%J+Y5224_4.2:MSO6%9JVB?5(#>7?O!S4%QZ;M&Y
MN+M@[9<R(EV^/9]'=OW+YD224_3&>:?V?E^F*@[T+=6D$QLUT#6_R$?I/I_L
MS%](N-?I,VEX`=$#Z0;N:OF!))3_`/_9.$))300A``````!5`````0$````/
M`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`
M(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`
M"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#
M`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`+<"*@,!$0`"$0$#$0'_W0`$
M`$;_Q`"[``$``04!`0$!`0``````````!P4&"`D*!`,""P$!`0$!`0$`````
M```````````!`@,$$``!!`("``$'!`P)!P@)`P4$`@,%!@$'``@1$A,4%187
M"5:VE]<A(M25EM8W5W<X6!DQ(U4V=K<8>)A!,B0TI+75L7(SLW0U=8=189%"
MLG.T);A24RA$9"9F"A$!``(`!@$$`@$$`P$!``````$1(3%180(208$R`Q/P
M<2*AP=%2D;%"X?'_V@`,`P$``A$#$0`_`._C@.`X#@6!M>8N->U;LJ?UW"HL
MFP(.@7&8HM=<;<=;G[C&5V1-K,*XTTMMUQ$I-,L,92E259PYX8SC/`Y];1V&
MKL7TYW5;M,_$`W1MW>SO2:D[-V/!%WM^2@=>7\V[TZ&L%V*N<)558ZVW_P!<
M2$A$KI@Q42H<-)#^(9:@%O,SU;K''CA:62MK2$%K[545)=D*]2]277M9`4_L
MGN33/Q"[SW`]V.L#M+[2F:(#-[NV3K76DKU\!VANJOPE??-&880V@E&&I!LD
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MK_(`L/L7>01'`11"AHV;?&\DE9UAG-TXWGN_9^]>],7L*TU8O-)F=`RFMM#)
M%#$LVM`=@=5-1[+)BB;4#=YR+G*R5;K49'KD&XY+14T%(%,F9%<8CH\DQ%0P
MWT7VR`J&FQ=W,=F-Q]C>X0?2[;N[][]-6I$BV5J-V]1(F!E[74+#4(VK2;W6
M*1UI?GRJM%QC;D0[.BM/9P/*&#J=4)C&JP2)#=_.R=SD*9K;6]WZB[(L%N[8
M:UT(%V4H=%V%;>O$I!;"ZI;F[!S`=?J47OS$S)7_`%E.:X`!D/)MRA#`))I2
MF8\E]3(0J/Z(0@OBN=H%T'55@NF>JE*)W5K[H)MB-N4U5-CQ^OM24WMOLO<N
MLKJ/?$2&Y!WK.[3/=2B:&DT2->"89,6&4VM+&9):UZQBN>4^+!V`:]Q8T!0]
M+V#VOD-D,&VMN3K==HG906A=M">MD8]ULF-C=BM?OUUB\5H-JU!.-HV.2WB9
MCA<"/"NYELK.L8K]D/B)]I*],;(E#ZUUYFZDU,?%#J^LX#U;?Z5,QDIT,OYU
M?HTWL*_'7>UP4A%WN(&4S+CC0D4@,AC!B#6V'UBADJ,&.]M^,SN>N]8\["&=
MT<[NJ#M.\0).$-UT!B@7,?3>K=9;%<K%/L,1W;F-;/3DJ]LP,1+];O\`?IM]
M+C?H=9),;.!"6O7%+D!W%WRWNV\#S5SA-C`?O+:M0*CI>M#6BO[`I^IY_P"&
M;=M_5^"P]`[+9`N%>N]C@1A8=F6@?5I4]'34GY)+Q(3$`*C^A3OB>]B+A48=
MRM%=6M@VBZRO03T2P4.$OI]#TK+]QM]LZCM6AMQ#(VI)3)VX-:Q#OIJ"62(5
MU:TN9,@Q,-MM$+3K"4MW]A=\[,^&5V)M+ET$U=O:E[_NG6M[:&DFK#2A&Y'6
MW=,/K^_?:;$3%FM=@J>+%`QRB%Q[TS)J9R^XWZ2XC./`5$3&C5;K_OCV[N%G
MW-M2VW&\QD+0.B]QUG[K)6QW"OU4GL/UIV+T6I6\=K#,U"P5B;;DY#:FY;=#
M#R(Y[);@0'FU.>;4IO)J8B&Y;K+WDVMN+O3V#ZL6Y[2C%%TPN]YI5XJ<!L,*
M2WLN)G:D%(0])+L%B*K`TSUN(F7(#8J1W)C!,\8(H1,<TV2SPS,142VN\K)P
M'`U,?%-V/=*$-U\8J6\JMJX>7LVPRYVA7#>-KZG1^YA(&H,$CPD-VJA:C9:W
MK:WU5TM4B!#3;H@5D;P_G*241[K7)+7'S@U\T3LQ:ML[@I<G:-\$5S7[W3CI
M%?`ANQ7Q![=TDL9$K<I3?`>P+O&5C4.J+/0]YV&U#4^/)D'L)KL=YIL%P?P8
MD\X&+,1$)TSM_L7_`&M+IT+<V7L=L_46Z=R]T9/9#$U->M)7IF9KD2TZ?U65
M924MO2,</V'V?[-.BJ<6K,)4%,Y\MK.%+%15I8^%A`=M;!`:,WGLRT;$<TYL
MCI/K"8L0&U.P$MN^;V?O.Y!:_N$=MZJ0DL`6O45>S5G9E!<4W)X0^[+#-Y$1
MZ#AU:$Y5EN]0TP7H3?7Q(-ERNX-YSU3ZJZ0U_MBE5._;;W!L77L0=<M8;=M-
MN<EZ`W8"U6"(2=7!7!QD-Y7'ML_Z)EC.,*P,ZP1KUO\`B.=INP-WUSKF-'Z]
MID2=X]AZ->;7&4@VP#V>BZ5TMURW5$.4"NZ\[6[,ID';[0QNHN#4_B]6F+:?
M%:-QG.4/1RA,1",:Y\7+L&?1K';\XZP7I\SKYUNW"W%:YBK"ROK=:.P78.-U
M)8=?=A9&X;XB:])R.@*W*H.L*R3Z&EXII2C%08"O2T+7K#(OJSVY[![U[7=?
M6+Y=]7TW7]YZM;^F'=;P`M?G8C;ESUQV)?H86QM86VH;SOU>'=F*3&1LOZL;
M.M^(()$H)Z63Z2F1'),5#]0FYX`WM-<@]S]O]I:HWG#]W`-3ZKZP5*8Q)1-G
MTP77*_G7\=(Z.:K<\1-T/;,"X3/RU_?%5B#>((2W+1S0&4,"L,L*1%)_%5W\
M/3MMV6(B^O-AL4/IG<NSP-:1<3='[;U;LVKM^4'3U?UIVP\C9:G96>V5%W`T
MX/((=4*',@S66PS16LG86=8>F]?$<[AZD#WD1;P^M5NSJYSOK1(-=;UIM&I8
ME;YU-ZQO=DJ==I5B4WC;LL5&R)?:@I.NLNY,\6%GL337GT@CBHP>2;^*MNV+
MHQ[D/(]9=@O>][4]%3V2I`@X_7.JA;&Z[W7>$S6+*%L3L]K^!7>*9/4UFN./
ME[%@QRG)P)[T1F0RW"E+.J0H;XB/:6:MU)DBZ-I&IT-=@^&=6[_1C`;+;+XY
M(=]9UBGV954V96MEIH;,?KB9.9D(PKU1*M3(.,LJ\PI:2<"HQ]415?XNVX"X
MOL2!>O<94;G1[)0HK7CD%5!+U1:^S>-[R&HQ`+K<F.V5?JTM*."M,93FZRFC
MGV)+!""`VQQGW6EKUR17*_$5[+7^GF[<D;]K6IQ<MT(,V&+IZ$#ML$W8-IU?
MMM=-.VBT42X5+=P=E"4B)J0Q9+`ALS@$!_`R2U)6X:2*AEM</B5[EKVQ]TU^
M/!T;(>Q1W=VN16F4QMJ>W;K`3JGK"W7BC;TW*0UL)H0_46[Y*N`-!"#0<(ZR
M+98=;$F8HIWT8E8,C>LO9K>FUP.QU5W"G63-EUWIS2&U:O/ZE@;=4PF(_?6I
M['=6Z[(`VNZ7@PZ8I,K`.,HEF"0FY%IQ#GH`BD92H3$7#1;TX[>]S;Y??AXZ
MEO&X]L',ZLNNG)O?5HD9R2(<WO"=[M6078/047=9O+SS=EB:=4A+3&,CN+PX
MAR-2AU/BQXY-3$8LY>LWQ*][3%X^'WI>9(TH14>QVD>N]UOFQI83=%BG=46>
M[TK9,NK3]PL]AV!9`9;9?88ZE-JU^9,38YS#(<CZ8#,N*"6^M)XQC+H:Y6#@
M.`X$`=L+!-U/JSV5M-9E3H*R5K0&Y+!7YN+(<$DH:;AM=6.1BI6.+9RET4Z/
M/&;>9<3G"D.(QG'V<<$9PTC5'96V@>F]SWW0]Y0EMVCH6$Z]=G)^J:X^(GM#
MN#+[#UQK@URR[_IFRJ!=-<:\:U./:M=OR+28V/=EVCI;+32WV,QX[C\;PNJ>
M'.R^QN_K1USV35K7O>WT[N/L_NWM'6^JZ'V#LO7-R.T'K>$UA1NOF69\=0;<
M*%(U^ON7)X-3#BGC;2]YU+B\93@80SW["4[?-'^%#L`W;FY+N-V9T#U-V;LZ
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M:QC+3V5JEYD]::EL`*AG((&L68J4'CI%I<]'E,LX>%1BN6@=C=[3_P`'G1F]
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M+_\`%'["5W8?<B"B-8:R!BNO^G^VUMK-1MAM89V+6IOKKI:'V33[QL2&CNPW
MO#MFO-FSLHV+D(&D5U`81H+X\Z;YU_(RTZQ@\FX?B1=M=05?8L;)Q/6B2N])
MW/I&KO6YN,*JM8&H&WNMA6^"0H^D[;[*:K@+;>:S+`.Q#;[^QJXF4$5@P>,R
M0G,:H5#XO_%7VG<=TZ2UEK(C5KL;N*@4EF2"EM:S<5>J7==G]0;1V'J]X`C[
M-O:$O,_4`K`-$C>KTZ_=A21C?1%VQB5S@/"UZYVCC2WQ`M\5_46G;3-[#U?L
M>>M/13X<-CL^[[0N[-:FUS:>PO83>VJK]L?=%<!VZ76,NZHCJN*#:Y`,FN%R
MUF#?],)B`?1X^(%1C^TCV;XEO:@BASMCU\'UKDL:XZP_$![$3][*IFQI[7F[
M8GI'MV@4B%G-*M0^X(PF#INXJ_9B<-/F2$XF-.QY]DB1&&P@]:5']4@?%.[!
M[FU4'TEVSJ>W6ZGQ$);;=O?;M/K<J7ZOONG]/:^C]M[.IEG&%P+Z]BDZZB)A
M2$Y0GP?0AS"<>'DY$1&,,'NIO<KL_FT6.>V7M\:/7L#;>Z]Q04KON9OYNN])
M:]NOP[*)W!U_5IZJ5>\TX+.NM?\`MZR@N/(P\H(=AQ8OHY:</8+,1A3<!\-#
MM[L?NEHZP;6VM7*9KFX@WARL&:<@8NXQUMUB,)5:S(BL[$<NA+,@=)WM$GFR
MPZV8V-8;K<M'M+P^2V0^JPSRBIP;%>$.!__0[^.`X#@.!:%^I[5_IMAIC]BM
M]2:L,>N/<LE!L1E2N40E;C;GI=>LD?\`Z;#R"?-^&'F_ML)SG'^7@8/+^'%2
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M9BI&-:4]'Y%(2@`Y:G6<)7CS:U*RGPRK/B+V>.`^%MJ6K)L::]V$[LQ";=:4
M7>SI#[079M,[;F8N#A![%)X\UG!4L)"UB-#8>5XJ8%`':;\EMEM*1>R[&_AY
M5ADHDYKM5WR:--0.V88WVNOB"BVP\.X$;)(2C#KZ!</K\WA><X1Y:O)\/'/!
M>S_&?AWU48HTT?M1WP8-D5,*D"V>UM[:*/4*S@<51I"$)=*4,QC"&\KRKR$8
M\,>&/L<%[/DCX=-/;;#9;[1][&VH\IPT!I':F\I;!-=22ETL-"6\)&*<2:]A
M3B,)7G#J_'/VRO$7LM2P?"OT]:V(,6R;\[HS0U9F*[/U]B0[,W`AJ&F:B6^?
M5Y".;6/Y(I%?-*==$RG&,,..*4C&,JSXJ+V79GX==1RF/3GM)WMRF)4E44G/
M:J]93&*0.L1"H_'F_`)2!7%-8RWY/@VK*?X,^'!>S_&OATT]AUM]GM'WL9?9
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M2DON6B)/B95R1K$BRD(Q;GI_I2<YRG.#667L^*FT\%LT^$.`X&*N^>IM=[`V
M`&>G]Q=D**P%!@0?LOJ7<]BU_33<QTK)RS$U(UN,0X`98U/R?FUFJQYU3`PZ
M/X&D\+=(,E/AH:XG"<&S78[NU+F8:0Q@N4[-V^0)PRC*E(9P^6,Z[AI"EJSA
M/CX8SG/_`*>"U7S\.^JJ*<.5VH[X*->$0`\9GM;>\E.@H<=>0$X1E'GEB(>?
M6K#><Y1A2U9\/'.>"]GT&^'M7`QV!!.UW?4405EH844;MA?F!QAV$):8888:
M2EMEEEM.$I2G&$I3C&,8\."]GX3\/&L)>*(3VJ[Y)(.0TT:^GM=?,/&-L)6A
MALIW"/+(0RAU6$87G.$X5G&/X<\%[*<W\-JA,X\&.S'>0?\`T=0F%#]I+L.M
M`R@!HO+#;C+*%MM>K`V1_!.<8PPTA'^:A.,"]EJ0/PHM,5B5>G8/?_=P&;(J
M8M$(E_[5%_)DR*:')R4R/67SC,D$O0R9:8*)4PI64+>?4M6,JSX\E+VVA>Z?
MAUU%#@#J.TO>U#L4.Z)&.)[57I+D:*\AEMX8!>&\*#'=;&;2I#>4I4EM.,X\
M$X\*E[/HKX=]56:U)+[4=\%R+`[@C,@KM;>U&LBO+0X\,T5E&7VQW7&TJ4C"
ML)5G&,YQXXX+V?)WX=-/?2>A[M'WL>1*K;<DT.]J;RXF1<999'9</2MO.#%M
M#C-H3ESRLI0VE./L)QC`O9;]I^%]JN[UVQU*W]A^[-CK-PB;#!6F#E^SUS-C
MI^'MD._7[/'2H[S*D&#3\&2X(6E?CY\=>6U^*<^'!>RK#_#<H@L3B!'[-=Y6
M83'A_P#:4=I;OB-SG#R2/*6%YKT=:\D)PYE64YSES'E9SY7V>"]GJ=^'33WW
M7'WNT?>QY]YX`EUYWM3>7'72(IWST8^XXMO*UO1SWV["LYRIE7V49QG@O9^5
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M0IZ(;2U$O90@?"<NQ;2,)'5_"PG&,(\G&."]FQKA#@.`X$=[7UP%MO7]BUW(
MVB]4T&RM`,%6/6MJ.I5T!9!E0)5;,198["C(]J2P!Z*6E.,X("?>95]HXK@8
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M4*A%0_:*[`!5FJQ(0<;&UV#8':0B,A@0(X=EL=KR6DMLH3A/@G'@+V5P/X>5
M8CQTB@=JN^0(J%O.(&#[77P8=+A+[A)#B664(;2M\EY;B\XQXJ6K*L^.<YSP
M7L\S?PY*6S&8A6NS_>AJ'2C+:8EOM-=T1B6\N9>RW@!+6!<(R]G*\X\CP\K[
M/\/!>S]D?#IIYCKCY?:/O64\Z@)IUXCM3>7W76XTQ4A'-N..MJ6M`!Z\OL8S
MG.&GLY6GP5GQX+V6OGX6FHE7`?8"NP'=3-W%AS(`:TY[-W+UVQ#2$\/:#H]H
M_P`QY]L<NQBMG.8QGQ66C#N<^7CQX+V70]\.FGDK-<([1]ZWW),+$;)./=J;
MRZN0CL8>3@`U2VU*+"PDES&&G/*1X.*^Q]MGQ%[/P[\.2EOMELO]G^]#S,AZ
M-Z>T[VFN[C9OH26TA^EH6UE)/HB648:\O"O-X3CR?#PQP7L_;WPZ:>06W($=
MH^]CY[7HWFC7NU-Y=+;]#44L3S9*VU/(]%6:]EOP5CR,O+RGP\M7B+V?!CX<
M%'%:=9&[-]Y1V7PLQK[3':2ZM-/1V72G\@.MMLI2X%E\Y]>6LXRCRWEY\/%:
MO$7L^KWPYZ:0GR".T/>I]'JXB'\E[M1>'4^J"\,X+B_)6TK'JXG`[?G&/^B7
MY"?%.?#'@+V?LGX==1,2TDSM)WM*2PT^PPDGM5>GTLLE#J$*9:PZVK#;1(J\
MM.)QX86WG*<^.,^'!>SPO_#7U^4EQ!793N^2EW_I4O\`9^Y/)=\`F8W'G,.#
MJPOPCAVQ_L^/\2A*/\W&,8%[,AM#]98#0,E;)6(VCOG8Y=Q'A1Y'.Y]K3FRD
M!X@4E-!/1"9A"<QY"QRO-.+QG.5M--H^PE&,<$S;)+A#@?_1[^.`X#@.`X#@
M.!BEVV[B:AZ<Z_Q<=DR#LA/3&"QZ%KB#>"7<[_*!Y%26Q"B&$#L#1,1Z<RY)
M21"D"`M.(PI2WW1V'K$3,U&9,Q&,Y-0O[_5O]E%?TY)^I_F_JG6&/LX[G[_5
MO]E%?TY)^I_CZIU@^SCN?O\`5O\`917].2?J?X^J=8/LX[G[_5O]E%?TY)^I
M_CZIU@^SCN?O]6_V45_3DGZG^/JG6#[..Y^_U;_917].2?J?X^J=8/LX[G[_
M`%;_`&45_3DGZG^/JG6#[..Y^_U;_917].2?J?X^J=8/LX[G[_5O]E%?TY)^
MI_CZIU@^SCN?O]6_V45_3DGZG^/JG6#[..Y^_P!6_P!E%?TY)^I_CZIU@^SC
MNM"X?_\`11#TV/68;U.*-*RTZ\-$@;R87(%-#XPHDA*'M2,M,AB-_;.O.*2A
M.<X1C*G%H0J3PF(S6.4<LK=#.M+XQL>I"V1$1(UR0:D9VNV.LR_F<R=:M=3F
MY"M6>#*>'4L0]H";BWL#&CJ6)(AY:+&6X,^TXK#2_>`X#@.`X#@.`X&!_=;X
M@6G^ET+'"SZ%WS:]B9:+J^HZ_*AASK\0M]\==JM)[K1R:?3DOB/,M&O#O.FD
MM+9#8(4T1YFQ$\IJ$F8B+EK(_?ZM_LHK^G)/U/\`-_5.L,_9QW/W^K?[**_I
MR3]3_'U3K!]G'<_?ZM_LHK^G)/U/\?5.L'V<=S]_JW^RBOZ<D_4_Q]4ZP?9Q
MW/W^K?[**_IR3]3_`!]4ZP?9QW/W^K?[**_IR3]3_'U3K!]G'<_?ZM_LHK^G
M)/U/\?5.L'V<=S]_JW^RBOZ<D_4_Q]4ZP?9QW/W^K?[**_IR3]3_`!]4ZP?9
MQW/W^K?[**_IR3]3_'U3K!]G'<_?ZM_LHK^G)/U/\?5.L'V<=WHJGQ[V+AM?
M5>G8OJQXVS;.PJ'KV&2K>2<BQ15_M\13(R9G'<:AQZ)%,R<NC.?#RGGDMK\T
MA?D+RB<N$\?+7'E'+*V^;7U]C=A03TL''RT#(Q<M(URT56PLBC6.I6>'=2U)
MP,VP"7(`*>;0XV0,2*02!)1Y`YH;Y`9+#[F%7SP'`<!P'`<!P'`<#`'NS\0[
M4'3"/CHB4'7L7;D^TR;!:H@)<:/D6(11'FG;/<IA0LHBFUUS#3K8;KHKY,F4
MVIL5AU#);PUX\9Y34),Q&,M:W[_5O]E%?TY)^I_F_JG6&?LX[G[_`%;_`&45
M_3DGZG^/JG6#[..Y^_U;_917].2?J?X^J=8/LX[G[_5O]E%?TY)^I_CZIU@^
MSCN?O]6_V45_3DGZG^/JG6#[..Y^_P!6_P!E%?TY)^I_CZIU@^SCN?O]6_V4
M5_3DGZG^/JG6#[..Y^_U;_917].2?J?X^J=8/LX[G[_5O]E%?TY)^I_CZIU@
M^SCN?O\`5O\`917].2?J?X^J=8/LX[G[_5O]E%?TY)^I_CZIU@^SCNJVO_CP
M(V/N/6.D(+JZPBX[1N-8IT6HK>:\1L,]:I=B$C96P$,:;><#C5'D83C"$.$.
MXPO+;:TMN*1.7">,9M<>4<M6]76M^`V54@[0'%RT`3DV8A)ZL3[8C4]5+56I
M8VOVBL3&(\N0C'S82<CGV/20R2@#6DH)$?(%>9?<PJ_.`X#@.!__TN_C@.`X
M#@.`X&`W=_O3#]2:%,GUJ@SVW=DI+AH")K,2L6)JD/9+*%)2L*Q>[I)D"1D0
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ME)`A9TK(19RC#7$^1XH:#(]'#$9\I20XT/#BL,L)SG"?*4M65NK<<7)RG5N,
M^.C^D]KL=,3M3L!$_:I5-6>B;%2A:,,O89G=:UNA8<::\?%Z.=+U8]E!'AX.
M%>D-^.<LJ\/.Z^(3;PAP'`<!P'`<#51\1#XBQ?5NNO4O3-%E-C;JGR):``EB
M!0QM=:\/CH:!EY.0GY&8E8)BV6&%`M\00B"`?RM23VE%OC-YQAR\8GE-03,1
M%RY*+=,[>V!:K!>KY$7BXW2V23TQ9;18)^E'2\Q(/^"?./N^UK;`P@K*$,""
M#MLA`"-MC"LLCM--(]$1UBHAPG&;GE"W_55R^0=@^^E(_&[EO9*C6#U5<OD'
M8/OI2/QNXO8J-8/55R^0=@^^E(_&[B]BHU@]57+Y!V#[Z4C\;N+V*C6#U5<O
MD'8/OI2/QNXO8J-8/55R^0=@^^E(_&[B]BHU@]57+Y!V#[Z4C\;N+V*C6#U5
M<OD'8/OI2/QNXO8J-8/55R^0=@^^E(_&[B]BHU@]57+Y!V#[Z4C\;N+V*C6%
ME7B7L]6CF/.U8Z).EGG`8PR6*KYD>P^EAPAT@AB%L!YC^!V6\J2UX-X=7X)R
MXC&<K3)F=%CC&N"K=.&UI[B=1'7R'S3">W'65\T\I25EG$YW?0$*((4A#;>,
M^0A*4H0E#33:4H;2E"4IQGE[9=./NAW_`-4']6;]W,`'A#$;,T/2EY/&;QX8
M)N$H;MBCRLV]CP^V*,J>MX`+*O'/\5'-X^QX?9X.GA-W"'`<!P'`<!P/PXXV
MRVX\\XAIII"G'77%)0VVVA.5+<<6K.$H0A.,YSG.<8QC'`U`]]?B:G:,US56
M>O&O;%?KCN,.SKUILV6C(V,U</!5;V>;L-Y@VK--UR3V&,Q[71F8=T5K$'*I
M,08R:4*TII^\>,\II)F.,7+E,LLAM>ZV2=N5TA;U;[A:)%V7LEIL=CITI.3D
MD\E#>23S7[AE2DL#M-L#LHP@<05IH<=MIAIMM'HC"*CBXSC-SRA1?55R^0=@
M^^E(_&[EO9*C6#U5<OD'8/OI2/QNXO8J-8/55R^0=@^^E(_&[B]BHU@]57+Y
M!V#[Z4C\;N+V*C6#U5<OD'8/OI2/QNXO8J-8/55R^0=@^^E(_&[B]BHU@]57
M+Y!V#[Z4C\;N+V*C6#U5<OD'8/OI2/QNXO8J-8/55R^0=@^^E(_&[B]BHU@]
M57+Y!V#[Z4C\;N+V*C6%B7J8M%9"''S6CH63E\$MQQTL1`&A#)%PQ@LM0\/.
MR+Y#H_I3?FVE8;2XI6/%>$X5R3,Y1&*Q$9W@D3H4UE'=KJ>XXZZ443V0T\^8
M:2I*RC25WV!PL@EQ*4)4M6$XQA*4I;;1A*$)2A*4XQS]LNG'W0[VM;M8C]F=
MA(Y*$93)7FFW/#R,(;\C,OJ:BU182VD-)RM;3E#R1E[*U97Z5Y'@GS>,JXNG
MB$U\(<!P'`__T^_C@.`X#@.`X&A_XDHZ5]2`)]_P>F;-WOV01-GY3A+T@JJ(
M[`:UK7G\XSGR\P]#HT1&MY__`&`6\?Y.;^/W0G/VRT.<]#SG`<!P'`<!P'`<
M!P'`@OL!_,^)_I2)_N><Y)\-<?/Z883W_<<S_P"$R/\`]&]R3E+?'./V_I0P
M?ZPFS_T-:)^>_8SGF=?"9>$.`X#@.`X#@<U'Q,F&T:ZZFG)QX/V&?[>6^1SX
M)PG,M<=H4BT2V&L)3C*1FY"6<0RE65*0RE"<J5E/E9Z?%G+/RY>K4GSNX'`<
M!P'`<!P'`<!P'`QO[&?]VT[_`,=._P!SE<S.<-<?*E=/?UP^G_\`>TZR_P!>
M5#YGG[9;XYOZ`<'^L)L_]#6B?GOV,YP=?"9>$.`X#@.`X#@0CV(#8EM5GUHY
M/GH>[6_56O+*)_`F2J&QMK4JBW&'=SX9SAF9JUA,%7G'V<(>SX>&>%AIA^-Z
ME*+GU$0A*4(15>RJ4I3C"4I2F5ZWX2E*<>&$I3C'AC&/X.=?BSER^3*/VUYG
M]2;N!4Z#87+-4\2VR`]>2-6JY+5NC7Y8/9Q\?'UQN'M$G5@Z+8)8)R49<E`0
M)0@F-:\[EU/B.2EGIVC%SZS@LBQ];=S5X[8H_L/,S<=JZ;G(.TV*`#(D8%MZ
MNL(/EB@C$MH<,%CX=YH\KR&_.`A/(=*0RG/V':,,28F+>NK=9]N6$VGHD:M*
M5*%O(<J97K/8X\X:$)Q&TZ8O0[#CH[!#XQ$U7X9P@%#B$**84EYO"F?%S#M!
M$3*W8?1VQ)/9D/J60B6JK<907$F2):B,1C=<A6X$BUGS-H0T@P^&%B:N([($
MM+8R8V,WG.&5+RE"EQ5^$K&ES&==+5)XJ)&J9B(W9'W62MT%#OT$"T#GHL-%
M@AK1980^!MU?K4T.4/62VY!A:&7&2A<J\VO+S;S+;MG>"UIBJL)U-W%)@.24
MC!9KK`VS-8:P+%E$$N3&)';"'W:U-QT4`P41-P66\#_Q@F7G2,FL^CMO)P\I
MIV@ZRCAW2NU$5=V\-T2S/TM$BN-19T1)2(MY:9O-;26EQQ"'4QCEAQZ!@I2<
M#8.SZ-E>'_XOEN,KQ2IT5V2ZV[WAYN+KLIJRW`S$R]91X\,F.\WAURG)0[:<
MO$Y<]$#:@1G6WR7'W&T-"NMOYSYEQM:G:-5J=%&KFF+]8-H#:A>C!ZQ<UR.`
M)$:XR`57#@DI;020=,'2[XPXXC`2\/)\C+CI*5)2.AYQQM"UQ5I4W2](/K1?
M)\_?3`9,0W%]>P;>1;Y\IXEB,DSZF3*,X@J_Y0_I)LU-CPAA(S2D(PD45UQW
M*,)^S.T8;K4X[/5>.L-SU_"YL4_.5G$,C7\;>W#17)CR/.34K'PT+61$FQ(6
M9.6EC)#RQWA?/`/B"EOMOK;%>REVLJ8:TNQ/_24W_F6/_P"*`XG.%XY2KO0[
M]=CJ5_>,TY\_H+F>?METXYN]ND_E>W=_Y:_-@OG!TG*$R\(<!P'`_]3OXX#@
M.`X#@.!HG^)+^IC4O[\^Y_GKVKYOX_="<_;/HT[P.AMD6.E(OL:!!)A2@;3*
M0P<A<:E$V6RQE''<*M\A5ZG)S0MCL`L`PRYEY0HSGEJ:<0UAQ;3B4]NT73A4
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M%U=L*P(M#D549M]-,JN;O9DNA.".Q=6].CXQ$PM@O##Y`[ILHPE&&4N+4A2G
M,8\TVXM%N$J5-FZ398&2L$85&O%N590Z9XR)QF6BXW!>&\C.%28&'PF67U.8
M2A:EX2I?BG&?''AQ92FDUVP!B#'EP4R*"8X*T&:3&&L"%NG!MR`38Q+K"67W
M#`'D/M82K.7&5X6GQ3G&>!48ZCVZ3ML/0QJ_)-6^>EHR$BX&18]3FOR<R2R)
M&CNXELA-!()>(1_&OJ;:0G/EJ4E&,JPO"_`EC^S#MSUR+$(!J3@Q]?&LT=:F
M]CZ_50I&*-LA-,"]"O?M+BJ/GEW$-V,0)@OTG!3:_*;2VA3F)VBK6I4A?7G:
M[4?7I5^O"L1]E&L1P9*YZ!5@&/JL/)6&:D)YIF2=?@0F("'*-:<+2TDD9A2V
M?+QX>-N"I80=@/YGQ/\`2D3_`'/.<3X7CY_3#">_[CF?_"9'_P"C>Y)REOCG
M'[?TH8/]839_Z&M$_/?L9SS.OA,O"'`<!P'`<!P.:[XFOY+^F'_9>R/SLUIS
MI\6<_IGY<O5C2-U5KDKI2`V9`7&8G")&-JI4[.PXM9FZ52YVPVT&NR%/O$7$
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MSKM`;4CZI+Z,LDNX/.7:P4"5#VL+$5E4/*0],,OP$QF8@CYN.7$35?B#_*0M
M"%@D">2M3C;B7<3M,7<+5Y*W7^GLF7`/3\U>ZIEHJUZ.AZ>U`F&&@WR#W).W
M&`:EX.:=BL)!(C96D'B89+&;SD@,OSN6\,M)*=MCJCR<ZSWN+@I^QH*K2&XL
M&UV<&I%6!A-[E=?U"W2-,F+R'"X&;8?@@IN*);SG+K13S8K[[(ZQVEN)O:$I
M?!?1_<C-R`HL>?0[#.$W.Z4*017+&5+(@;+0ZXFWST?)#LQ&)0PGV95Z4P/'
M#'%O*2H?#6"TJ'Q.\9KUFZ0YG6D94MM%ZYVA-F`B0SI3,J71(QVT2T@?ZC7)
MPL%`1AOJ=S$M.R;HP"DFX&5'NO+R0WA;*V<ZO"X9K&F0S75K7[NR]E:KS?;<
MU:ZM1TW*)BG:U`X.AEC:N<V!8*Y<QF[*X])6JL6!8]=*C(%!YBB7'B4(\D5]
MA.>TU$U@U6<+;>ZT5V3K0-@H%QDME%9H`$H=7*5'"62?>V#8(B(-K]5#BX`B
M6/`SAUZ;>,$.:9DAXZJ'$.-MX(&3QVQJ4K26J[L>A38%00M*D+1/'H6A>,I4
MA28@O"DJ3G&,I4G./#.,_9QGEG.%X^5(Z>_KA]/_`.]IUE_KRH?,\_;+?'-_
M0#@_UA-G_H:T3\]^QG.#KX3+PAP'`<!P'`<"&M[?S)@_TR]<_P#\A-8<+#2U
M\;_^>O4;^BW9;_>W7#G7XLY<ODRC]L"(;MJ36]=8HM?H;8"BHRBQ\NR_=;+(
M:_(/HMGKEI9N$3K(G/J6OWJP&5II)\B.1E.<$$J8984\K/.G7&[<^V%4]1W;
MAH@Z:EA=8@-2[5BW+8]?'F6J2+Q2R-[PJ(F],R08T=&AW!L=_+I49EY`WH[C
MV6R,%LI0VEUW7ML_V*[=-PUYINU(_5L2QM"O8CW)JW8M4VXU,DPFK2M70RXN
MMOLO5^!'P&ZU(%MNL2"GC6<)86*,M3&9USB\$[8W6*/#>P\H_O`;>XU5AF;(
M>`IJ]Q#[Y#D%=Y.=J9-/V1)$,`HC"H=O8H$D:\6R.YG(Y)KJV7,8\A*+6%%X
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M0W76JXE32I`0^/-P[E!("T8QC,ZX5LO;_M`ENVOBT[E5MT>I0==S[25VPHJT
M$T/'1?G:^B*0K*\@A""I/FW8S))S[(K+;IA#KJ&6\*PWC4145:7C:8(/N)<X
M3&V8Y%6J)]8VC(;>F_4DE"PIQ4!/;=&0%)2+<\5#/24HU'`CLLX'<\VT^VUX
M9\C"LXY.N6.*]LU%TWV28U&Q7@6Z-Z^`!>D)*RI<LN`CK+-JD8YR`(:*(KTL
M-$Q$#70'XCT)0Y>7@IN83AUO!^,,)XVD37AK([)OX(,JI/F6!L/KM+_F!D9;
M&'PZ[!.>980I2\ML-85Y*<95G.$XQ]G/$YPO'*5<^'_%R$MW(ZG6%E[`D`-V
M(TXX*[YM*WY]:]@5]E#@WG$Y2Q#-^<RI+V,>62M.,MYPSC"W<<\>,Z.O&*G'
M-WJTG\KV[O\`RU^;!?.+<Y0F7A#@.`X'_]7OXX#@.`X#@.!HG^)+^IC4O[\^
MY_GKVKYOX_="<_;/HUU:G[)4RCZ<*UM9(^\60)^/O0TGKV09J%DUI9Y6R`&,
MURRBEV05^S:NF:X60RXZY`I4X8H-MSSC3BW,YZSQF9MPB<*2$+W)J:I]4P2Y
MN&&46#UHF#9*J3<7'6)-@T%33*G*4+$D_(O),UM=2R<2^7U):?&E/%UP(C_+
M.OZ\KV46-[;T]8%&)/C]H5HJHSH3K^NZ!8HN+U)+Q[78`S=KT[*1):5%2<ZP
M(=ZJ0(IIE#J@QB/3&4HR-F]9Q.V2.-Y=DPMH[=U[NJ!@28*QU#U-Z36",)]B
MQ%4FUF2%/158],D<J'C#*Z@/$B"E*&L2:22$*<])5E-CC43"3-S$I7U=OC3,
M'MR"D*N+;H)O:?9#2EZV#*;#.KZ*[KRK57:8UXE0(J1CW%$36&Y-U#BY8Q`&
M6@!5HR/E3RW$R>,U^H6)B_5^+3VOIY`-UIXIFUID";U1M"AHO4W*1<A;2[!=
M=K5;98#1"FI5M@BDQ.:R_'MJ](R0IN6+)2RG#F1>(XSA.!VC%5"NZE/?F++,
M,P6P8YKVVV#<8FO1,K%QU?V(W?\`6=;U_FO[>%P01Z3&UQRO+=8RQ@S#X9Y(
MWFV%+](Y.LX'908_N6`$Q7Q5LW]T*K1/3\:O@L2,&EF%D^N\$W'6V0A1YMFR
M00#]@.4ZZ"MR.)2O#F?26L>4I.;U_N=O[(LWEN76^Z]LT.T241<0:C#Q$-!W
M=P5S#<U-`BV69EY'-1K,G:K#!4EO,3*)&9#&/R#@M+AGFFU/K9Q8B8B8\I,W
M*>V.XVMH6[6%58C[_!ZQD*]KR$JU;B*W3(TRCPFM;9)3@5""$D;%9Q)NO7..
MG)%,[)$DH-+D)%\A;#K2UC.9ZSZKVCT0W3>R,#'>M@[0%:3JW.6FRCATO&1+
M#3=<:VF<F3X\)3Z]-RXP$H2Y>,QA)@;R0128Z$P$MY;,B4AO4\2VO?N'+5B>
M+FIJEPKE<J4KLPT^MP3J6VW(J%*%L;T>&MEE\I@530RTX\RVZZVS_P!&E:TI
MPK+_`%(SY5DU_P`]_P!QS/\`X3(__1O<3E+?'./V_I0P?ZPFS_T-:)^>_8SG
MF=?"9>$.`X#@.`X#@<UWQ-?R7],/^R]D?G9K3G3XLY_3/RY>K`=KL?L<>I)J
M@J*B(Y[)QU"=MPU,K[-Y*I,1(`R4;6"K,D+TMZ/%>BQF_+SCTIP=A#+CJFL>
M1SKUAQN5>,[9[<,D[3,973V9.SV6TW)LUNEP#I-5MM[AA(*]6.E$&"%/UJ6N
M`(+2C7&5>'I2$DLX:(2ES#K&!VEYHWM3M:)=I9H:JDW.4AZM.@VCV/@TVN73
M2ZT13Z</8K(T,W+R@U9K9*A1D>=1A:4H6]YUQMM:76,2YP65(;NV-(WNH[.7
M-X8OU,BZO%QMI8&:S*2&*>$W%PIUA<)P0U/R6(@=H,ETE+GI@S24/X<\5Y5:
MBICPESFE>B=JYZNWJB6"4K=4!J5%,O4V%2:'4:Y6(8RSW6F'50J>DP6Q%#S!
M.4*%3E!>76&A&,LL-MH6I*I/'"<5CEC:@I[5[3;SYMENG#Q@SVL'H.#%J,6)
M#59>H9R>L5,S7`ADM>@*8E;7*N$J4IQ9>9)_+BLJ4G*76"Y40_L?L^3K,K6"
MRX!QF6C[#`N3>:O!JM852M5G*N<]3(NS.!KE@*Q(64\@E3"'/.)P0\RES`[K
MC2G6+LN53*[1[3.GI.PFKJYIDSLBS[4DASJO&'QQ-IN$"BMSBO0CD$-,!NQ:
M,88PWY#PCV,/,.MNI0M+K!VEX@NR>RQ=U1V_"%UZ6V!#M1S,,Y+P(ID+%-PM
M?8J\#D.(\IMC#\%#BM)%>7E;R'VTD96HC'G>.L57@N;OR^X'9?8,/+62;@XR
MB0TG8SE3*31:9$DG5^QO0YT$;9JS)2J)&4B9V1CY)_+[WGUX60O!'DX(;:=0
MZP7*B:^WQ<]:LP0==#KJHZ%?LI;\=(1Q+P]A+L[42P438G1I`0TQR-:@0T@X
M:>80+YI7DI\7R?/)B)(F88*]H9,V:5`3,D]Z1(RULFI,]_R$-^?-/`.**>\V
MTE#;?G'W5*\$XPG'CX8QC'$^%X_^EM=/<^'</I_X_8__`):=9,?^W>5"QC_V
MYYGG[9;XYOZ`<'^L)L_]#6B?GOV,YP=?"9>$1)OIFQ.:7VB_4)2QQ%LC*':Y
MFKF5-7_W[%BAX(^1A&`6?1#O35DR0S2,C^9<\_A7F_)SY7APL9L$K)V$[%:<
MN\#1XC6.QMG5HK6]/L1%VF*M.6U1=U+R&09KPHR,D:V]`RUJ7/E*:D10Y]Z,
M9A,M>IRLN8RW%J-52]]/:*STGN%:(@&4K-SJG4JE7#4]-3J&TK11=XO"]D9"
MS4,5FRX6C<5W@BH*N@D'1W_V606D-Q@#"'EMD5,,$JU#=VZKM#[K`D*S(UH^
MNT'8<C6)^N:HMS\K4[-!SMNKM1!;@+5*/QFX)ZXP<2%:8P6&<;%R*2T*ZMYH
ML(XL5DQK$W?VSKP9LG#1-AM0VNJQNVZR0\Q`6N^5C::*=JVA62"HM3L#NLM$
M7B'L\W:&I)AM)D5+)B)62(#97*MAH`!BX+N_M=]I9:VV>$JFAS3HZ&MC7J5=
M@U;=JS)6>O"T#MW<)&H1F2[T]',V8R;T14(9B<-<"8#(NK*RX9"U"COU*C5+
M%=VM=]O:2]?WJJ2%7/BNR/7>!C')&FS-!=L48C;6A9MZ9;JTQ/V_,:@*>G#H
ME:6)F31EZ,7YU8Q?I,>&&!'QG*B?;KWU/'`F`X=8=2[)O..&0[TPEY+DSUP1
MA"&V9F&RRI.<>/E94OQ_@\,?P\Z?'G+GSJHO5IT]RUC^6\)^!)WX\<[8ZN6&
MD_GH>Y:Q_+>$_`D[\>.,=3#2?ST/<M8_EO"?@2=^/'&.IAI/YZ'N6L?RWA/P
M)._'CC'4PTG\]#W+6/Y;PGX$G?CQQCJ8:3^>A[EK'\MX3\"3OQXXQU,-)_/0
M]RUC^6\)^!)WX\<8ZF&D_GH>Y:Q_+>$_`D[\>.,=3#2?ST/<M8_EO"?@2=^/
M'&.IAI/YZ'N6L?RWA/P)._'CC'4PTG\]#W+6/Y;PGX$G?CQQCJ8:3^>C%_L7
MJ=X`ZAXL,\'.@+3:'E1X4$]#-$J'56\88D%OSTUDL!:GL*6RG#6'/(PE>5-J
M6VJ3G%M<9BIJ%_\`39*4=M^K2$)PE*>PVEDI2G&$I2E.Q:WA*4IQX8QC&,?8
MQS//VRWQ]SMMI/Y7MW?^6OS8+YP=)RA,O"'`<!P/_];N(KO8O5%HL$[6(V3M
M0<O6;4NDS^++J_:5,C8FT-Z]1M9<69.W"F04$TI&O'6Y3+OI/F,,/-8\OSCK
M2%EI=$GN#5\27K\$N]5Q9FU9!N-UT/'R#<NY<'G0"9/!,+B)]-])B4!"*6L[
M[`3>5(2MW"G6TK(_==V]JZVG&1=<O]3E90"Y6O7A48/-@XD4WBBY;]L:LT`Z
M\V63,UI+R%&,M(6IAM:5J\$JQG(6A9.R>G*B]L9%ALDM'BZEC[%([`F_838)
M=7@6ZE0Q]G6,)-N!JQ-8F)R*HI.)!R-!+*D,H0XVEE3S3K:"TOUO9NMWDPJV
M=@TAU%D$E3ZZMNUP+B9\&!P[F<-A5)/SB5$AL,+R6XQYQ`_D*\YE/AGA'N@K
MS2;00D2LW"K6(I48S-)&@K!$RY"H8@H@$>62S'ED.9C'SA'64/\`AYI3K2T8
M5E2<XP&E#XDOZF-2_OS[G^>O:OF_C]T)S]L^C0IST/.<!P'`<!P'`<!P'`<"
M"^P'\SXG^E(G^YYSDGPUQ\_IA9.9?(C9:/CV/3)%V%E",#8<PVED1H1[SYQC
MODN>B@L_P97E*LJ7G"$)4M24YSRG"=6^,8QI;^E+!_K";/\`T-:)^>_8SGG=
M?"A]JTW-GKENV8US+VR&V%5]5;%M5#?I2</SQ-S@:3/GU<$:.R!)XFO29MMC
M&`O,.>E.82CR5>/DY$9L5I[L)O\`UCNFQ:MA]2WV_4@/:=3K-<NDM7IBQXM,
M-+TCK:N7"&M0DM#M5HB`D-@6`]P]V.F`R<@/X<P&,!*FABL+4Z#W9V=LVH>P
MUZ'6;7K?#V70Q5,!*TG<V(^DP<S!:LE=OUY%1M#HL_<GJ9ZTG0I4YM]O#)HK
M^<-".CN#-1:C!*]6W3O"_P"L-XD2-6F]=6R$TR):*M+P6J;9,S5!V790=FC2
MVLVZ;85R&-TW329%6B3""(AIL"TYEF$!!8;<9R14PP8_5S=O:N+N54<#@YZ=
MIL"ULH>SBRL3:-@5N\AJO?2BOP#M%V`[KO2=J$D8*.V!=GL$2L+(-CF"28WA
M(#@I=$&#ZPO<KMA8D6%^$Z_29+4+0+-LN-"E=/7^O6*SMQE.:F(W64?!$7XY
ML2Y>U#)4:X2HMXMUUE0^88:0:=#Q%J-6=_7G8]LVGKEJTW*N$UV6Q8+%$-))
MKDA4?7<9$R;HL?8!ZW(S=I5%#23"?M$LR\N*[Y&762W&W$X34EH?^)K^2_IA
M_P!E[(_.S6G.GQ9S^F/ER]6HWG=P.`X#@.`X#@.`X#@.!C5V2>;'BJ>XYY7A
MZ_+;0AM"W77G78HAIEAAEI*W7R'W5X0VVC"EK6K"4XSG.,<S.<-\/*J],:8X
MGM5U(L%D&PB3:[6=:'HJ(4ZE]J$PO>-#;P03EI2ABIMQE><+7C*VQL9RVRI7
MV[KN.47QF9=..$U#O>@_UA-G_H:T3\]^QG.+?A,O"'`PIW9L_L&!N0W76DH!
MFPDQVFHF^QP!$;4'(4JU2MSL=?$$O<S9=@4Z8B*:^Q"MX>?@QI.2&1EYY`Y"
MTLC/%PI$\7W[D7IUMB:H%9K@4[J>F;7K_M#LYB$K8]<E);?Z)5F5N\C2QA![
M_)0^G_/1T%EC(KR$/N9D&VV"'$"DM:@[HU_;E4VU:XC7]Q)SJZG15ZQ4ZU%V
M"PW^<CYYZ_#Q-/32Y"L5F;'V@@O7Q(ID:*W(Q3)KZ!V)4IQDS`PIBCK[O/O:
MZSL/6#(*HP-H9E)6!,",J%B"A;1:[!VC[(]?*W`P\;:Y^G[4<AZ$QJ&'-G9`
M&OF.`C2+Q<DR$TRZVQ%IEQH3L)9[QL*QZXV`*,#-1,>6B`=BHMEL"?Q`6RWP
MDW,&R`LY-!CR;3\4J$)"$6^"Q-UN7=:+>$*CO&I,/;<ME";7V]$==XF*L=9S
M6+-4]GVJTW:%EJ./:HS5%UA[8S"Z6&GVXV4V<MF[PD.S/28`K]?CX4[/B8LD
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M)XS$6JU;TF)::319N'MX)MHO&VJUK'$"P(:D2MNV9HW`#LS(%C"M$2+CPZ'5
M-B9>8:'<3Y3OG<K;:3RJ9PPHK)>DMH&DQ,_(1DC>3X,/--,FX`F:52W43LP#
M-2L&0/#25?MLW#V!+#T:C+T:(]F::((4+Z.IP=:USM.BU&J%-DZ]D->2@4<4
M),>9<!99=ES8Y\2(D;$$P/BU@5TY321I<&M2Y.0''VEN)6ZSE>,X2M&.:B;2
M8I''*AP,/>U?^LZ^_P#D7#_K*IS,YPUQRE;G3C];GJW_`'B-+_UC5SF>?MET
MXYNVND_E>W=_Y:_-@OG!TG*$R\(<!P'`_]?L([&]7M2VFN7V>VGMTC6=4M&\
MP=O2UC.G8:H1D18[!ULC.GE?K"K#*&@BH!F%FB$-M..8<D9$E(&,*0_A*BQ.
MRVM;=7M7A2NL]F5?>\3:X=[9Z[D\>-("6V'O6QX.Q]ASLQ=(M4Y<[7+1++$M
MNRS-20/I\S($$1R'%D-E9F'9&+>>"14]-H5O8-CNK5ZED!VS8U1O\U#JA@G3
M48H6XVNP%8AX2=67G,(A[9Y!J)=YL56)>O.C`.-()":DE5+1[MGK?I?;EXWD
MQ+[JI,18977NRH?93$&'08W:4!4-C:9E-9DPFU[%''@GV;3M5@K.B?B8NQQZ
MW0Y9L0C$ED1E@9(O99%VZC:7VE/6QT'LV.(!89Z"LIM:KMAKV6(^4V7<[Y<:
M0VZ+%60,*7BKTQM8EJ,8EA#U%O,`E1+@JER").+>S(_7/42LZVW(3MN)MEC*
MP^$XINMEF2V0AIDJ@Z]UL<\PWZ]77V:^[7-:Q[C03<6V4V;XJ4:X,R&(+4NV
MM_XAS4C/]&]52T!&D3K5T[;7;8-8:!>C!7)6G[`*[*7NI2[+LK)@@X9D:E/B
M%X\I].5(<^QCQSY/-_'[H9Y^V6BOV4V)^;BQ??G7_P".O.][.%1_M![*;$_-
MQ8OOSK_\=>+V*C_:#V4V)^;BQ??G7_XZ\7L5'^T'LIL3\W%B^_.O_P`=>+V*
MC_:#V4V)^;BQ??G7_P".O%[%1_M![*;$_-Q8OOSK_P#'7B]BH_V@]E-B?FXL
M7WYU_P#CKQ>Q4?[0>RFQ/S<6+[\Z_P#QUXO8J/\`:#V4V)^;BQ??G7_XZ\7L
M5'^T'LIL3\W%B^_.O_QUXO8J/]H/938GYN+%]^=?_CKQ>Q4?[0@GL%5+^JH0
M[3E--A5/VL)EJ0F92KOQS#BH>=SE;[,%8Y61=\VTE2\(0UC#F4^1E:/*\K&9
MF<*AKC$8XH#(K8%<IMF:&QYXPF!E%R4FZA&"Y%YN.+\A3RDX^T89\XK#+6/M
M&4YSA./LYSE,5$M1.,?M_0[@_P!839_Z&M$_/?L9SSNOA,O",+MB[FWN#V,E
M-2ZPJU>L<#`47K==9`<RFRIAI`NT]P[AJ&QGI+8*MG5B!IX-;H6LO3X_&827
M*<*2_A+)BU,"9+45:+]<=_T7%J',FJ`)7$6.A5C<3,>;;HJ/:K&K)JK:1L);
MDA:9-3$39-@M(WU"Y9AV6(YAYQ!8S!A+C`[AL6D@TON`_MW16P-F:XHI,/:8
M:&JAU-A-A%,5J'E<[.A8>6UV?)2=O*U[&.?:3[.#PVI!IA\AE3$?(E-OB&/5
M*Q0M%]RM[VO8L93Z32JI+1CCMGUK)2%AJJZP6UOB"KO:-]5;6.%NNTJ'CA;C
MH^+`\043,$9'$GG8L@[K*06XM0R7ZZ=A93;4I8*];A8N&L<.TX$%&Q,)-MBR
MY-/"JK6Q9]$\[)3-=0(W8+S'-!1HI<@C$<X/(#R<H+(-K%J3"6MU[7C=,:^E
M;O(1LA+NM/!P\)'B"G>@%V6<?Q'5P:RV)@(J(H56*F'F6CK!,."0T2TOSQ1#
M:,8\21BTU_$JU/"PU4Z5:WM#85J]A-9[,@'9!8K@+,G*006AX@R;0&V0M0RY
M1YIQ[*,N.9QEW/BI6?ML[^.+G'1CY)FO5JV]S^L_D?%_[5]T<[=8T<KG4]S^
ML_D?%_[5]T<=8T+G4]S^L_D?%_[5]T<=8T+G4]S^L_D?%_[5]T<=8T+G4]S^
ML_D?%_[5]T<=8T+G4]S^L_D?%_[5]T<=8T+G4]S^L_D?%_[5]T<=8T+G4]S^
ML_D?%_[5]T<=8T+G4]S^L_D?%_[5]T<=8T+G4]S^L_D?%_[5]T<=8T+G4]S^
ML_D?%_[5]T<=8T+G5C'V4U_3*VQK\^$KL?'F>T$JC!#2%K<1C,`;C.6\O..^
M;7E*LX\I/@KR59QX^&<XS)B(F&N,SCBMWK#^M-U2_O5]9_Z]*!R<_;+7'-W'
M0?ZPFS_T-:)^>_8SG!U\)EX0X'R\PSA[).&6O2%-)84_YM'GLLI6IQ+.7?#R
M\M)6O*L)\?#&<YS_`)>!X\P\0K"$JBH[*6E`J:3D$;.&U19+AL:I&,M>"%1Q
MCJW6,X_Z%U65(\%9SG@>@8(,-12A!!A5&DK--4,PTPHLQQMIE9966D)R02MI
MA"<N+\5Y2A./'PQC@?-,;'H=8?2`$E\99K@SR16,.CN23N7Y%QAS",+:6>]G
M*W\ISC+JOLJ\<\#R#5Z`"-8D@X.'$D18YR'&/&C`F#1XAXI!ST6P4TPA]F.=
M-;2\IA*L-*=3A>4^5C&>!$F_HX5^M4B9RVEN9K6\-#&P$LTAO$C#O3FX*92Y
M_P!7%J0MT--@I=GDX@WS>4Y?C9$AA6?(=5C)8:Q_BP_E&ZO?T)['?[]ZX\Z_
M%G+E\F4?MJ_YV<C@7+7[7+UH.U@Q:V$L7*M*JDWAYA+REQ"IV"L64#*SG&1W
M_65=&SY>/'/D84G_`-[DJZ+JTAJWQ=RCCCYH:JV5<Q`UF!GF;+68Z99GO8]I
M0]>FI7):%/O6($57F<F(6VX^UXI=\O"E>5.L+<J@#V.V8))/S)#U:F)?VO,O
MD1(S=3@9$BKVTYF-')F*OAP)+$/E3,,'A+"$9%1D1E26L+1A7'6#M*VGMQW=
M^@E:WR3&MUZ02*U*N#Q`(\K+C`RZ)X,>5D6FD.'*8EVTO>D.8R6OR$H6ZII"
M48=8NRYJE!A]@6BOP@4%#FH!&C;K%;`CRF6&\GAVB$$>#C3625X5C"!FWLJP
MC*<IRO&,Y_@\.6HS2UQRFYK=+V6MV<@>NL$4]L[-8BXZ!#C(&&//,/EGYD:+
M!PPTY+XGY!4@EYW+G^DMM8SC+#:&<3K%3"W*CVG9=DN%=K%9E_0,@U9&<"OC
M#N-G'N8BH>"'(E'W'WD//!PL"*,WYI#*<H:\M:5.K6XJQ$1:7>"/^4.!A[VK
M_P!9U]_\BX?]95.9G.&N.4K$Z5OR$SW!ZNE1^&V:Z%V'TSER47Y+BYHG&R*\
MUZ)$M_93@`=S[9XM7CAQ2?-LX5XJ=;SRQXSHZ<<.41Y=J-FN4#IK=^9J\28M
M9H6ZX"GU6*M<N4T#5XK;M6EIX("N3TP:M(T1+;2@+0"+!I=<9$*-@'!$Y]/-
M$:+X.F<,?.QW;/9FK=EVP2BU=B>UUKZEDU"T3IL,>[7HWL'?J5.W+5<)8K($
MZLN.:&D@:;#9CQAG7)%S9PCF'$K#2VL1"WM\=D-SPL%39^B*L#_I_4B<WI(N
MZL"UM<JD#:6S*&,%8[63>!&[;8]-5]JR$'2"*D&Y93(IAQ8(KI66!UQ8B/ZK
M`N/Q%K5$0%IC(&I5^2EE@;Y-I%TCKQ%6A^QR.KMM[]J8($#18:ILCHKLA6M-
MH("F)V2B(I_TY`B#C3V<Y*$0D;]XR+^;&,_F/[2?E!F?RB_LM_DM_6W_`/\`
M1O\`6O\`^XXLZO_0[D]\ZN,W%K\:E`3SU:?;V7H^\+F!7'636`]4[LU[M.1&
MCB&4.+&DY*/ICHHSN4Y0T0\A:L93C/"Q@Q+V%T2D)6R6N<U;LN3UT?8:G%0\
M?;R)"S6&[P-H/,[0SFPKH-)/3`RU2%IM.\(&0RRP^(UGV7&8QYI@4!`XO55:
MQU1VG$[LINS?;V!JE0@R!7F=74A^7S6J/'!R6PI"7KE858XF1.F@=D9N0GKE
M8KU6!:7%,*]7%^9!P`+P42P='+A8Y#:,:[N"3CJ7>#]RR7H"R[!9DV5C<FSZ
MOM=RJ66K6,\FK5>IU.3A#(<AB"2S[5PA[;,FE*!5-%"]E27T^OT&C6$S1KI7
MH6^ZYUW2H$BU9P=A-HO\/KL[59-W>B)2'L\/7DU.KC`X"'"&Q[1!DGQTEEG'
MH1PHO_AEKNZDVO86M;%5J9:R:G.'LMY0ZTIL<.Q`-+PJ5I,W*-"O3U?@[E'>
M<CR92&>#FXQ+_I01"'FDX42&N#OS8(&U=2.M-AK$)FKP,ILZEOQE46.*&_4F
M$Z3VTSFI%@A94)'G59UI4>^.W]H.\.IO'^;S?Q^Z&>?MEJ+YZ'`X%STZH3=\
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M7B/Q8+`M.&8X4F4E8J'#`9(>RA)LBLN9'4IAGRW6V5^<7A*/#.5Q<1Y*FIGP
MO`70NRS"(8-B+A\ES0SA2!5VVJ-DQ*&XX&62W9!US*7JT01'2@SC39R6%KR^
MEO&/.X4A,[0M2C^>J<[6&8MV="]7JF6Y)\$5YYG)BAXJ7.@2R714+4ZPQZXC
M"F$*7C&'%CN>3XX3XYMVE4MSE#@8V=HOYC5_^FP7S=L_)/AKCY_37]:OYKV3
M_P``F/\`=Q').4M\<X_;^@U!_K";/_0UHGY[]C.>9U\)EX1YD!!MF/R*!!D2
M!0P@11Z&&DF$A@.FO@"/E81A]X8)^2)6RVI64-K(<RG&,K5XA0,4BEXQ&8Q4
M:OC$*7&'P^,0$5X1)T*!B*AC8S'HG@`7$Q:<##.->0M@?'FT92C['`^H5/J4
M9&S$-&U:N1\/8290V?B@H2,$C9PR<1EN:+F`6!6Q9,F7;SY)3CZ5K(Q]AS*N
M`"I]2C2XD^.JU<`.@895<@C0H2,%+A:\I3"U0,22P*V]'0REC-YR*RI#&<MI
MSY/VN/`$33ZE`E,G0=6KD,:/!QM88,B82,CBF*U#85B'KS)`8K+K<'%85GT8
M1.<#L>.?(0G@5*8B(NP1,I`SD>)+0LW''1$Q%'L-D@R47)#.A2$>:,[A31`A
M@CRVW$*QE*T*SC/V,\#0SW6)D2-:]&6IF0+EYN*U-M*NSLP<2Z87,SU7SHRN
M3<P\8_\`Z06J6E8MXC#KN,.N8<PI>,*SG&.GQ>[T8^7+U8%\[N)P,B^MTM!P
M4YL:7G27`V`-365\0H1B&)EF#\3-92RY!CSR%QSTMAI3GFTJQXY3Y7_KYGEX
M_:\?+*H8^MN[#GCH>.B;+$R^J]9.0EQ@9K6L/M"6$\\2H^V!0-KKR*:J726Q
MZNL<2M(Y;+0[6?/NHRZ\O&-1^VO,_I;XU7K<E>M9N0<IKN9A===I[O,[#E1"
MZ?6X<6E'2^JI@&1=BWI7(;E72)#2C3:1%E`-NM.,LJSA:,+MU$_HPN/VB6;H
M.J3=!'7R)>$&NZ7RY$@F2L#",G.O7UV*8BZ_'1TP7C)&:Z\V\J+.B@366T.F
M>E.#^;;5;GM7A)B*ORMNN'U:1T&/#E0-5CY*/WSK1F2EUEK$G;%$2,%M)Z1>
MEY&0*+;CX:-8]%&_T9AD5G"<.NI6ZM2E6?=GX(KKZI\N%GB0=FP;@E'I9,SL
M*/LT"NB)G=<F0%#&S=Q2XB9=LM5I8D>Y3YN!`<]);*;P=F(\XXDUIEY.<YC+
M-9SRS8\[LJ,`)`4BZ5>>&*KDD`U6Z_"XBV8\AN)@V5I3+K+;/)=E965.\\7,
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MNW55AW-2E@D4.H__`."5IG7SLB;+E;4O6O8V/D,^\V+2V)A]Q]7B\K*<-LK7
MPM9OP_W6Z^#42PWPBXC,CP%'E]B)JRS(/%ZEZQ$:\?V?EP*I^N?6<9+256!,
M6)'2N(X]YT`K'F4H'<6D5+)>"L,'9P5R==E`IJ-;D).+S(1SR2@5R$+($Q,N
M,P6UY3!*XV5#>&>RVI26R&7&\YPM"L8(K/`<!P(:WM_,F#_3+US_`/R$UAPL
M-=GQ+]=3.Q-H=:PH:RQE:<CJ%V+*>?DZT594$H=L/7)I+33`MGK"AEH5CQRO
M+CN,X^QY./X>;X3,3-.?.JQU8`?V8KS^=6I_15,?6SSI?+9R_CI/YZ']F*\_
MG5J?T53'UL\7RV/XZ3^>A_9BO/YU:G]%4Q];/%\MC^.D_GH?V8KS^=6I_15,
M?6SQ?+8_CI/YZ']F*\_G5J?T53'UL\7RV/XZ3^>A_9BO/YU:G]%4Q];/%\MC
M^.D_GH?V8KS^=6I_15,?6SQ?+8_CI/YZ']F*\_G5J?T53'UL\7RV/XZ3^>A_
M9BO/YU:G]%4Q];/%\MC^.D_GH?V8KS^=6I_15,?6SQ?+8_CI/YZ']F*\_G5J
M?T53'UL\7RV/XZ3^>C`7O)HR7K:-8MV>Z1UDBY/-T9(CH6IG511+3":JI8AQ
MC]RLKKX!*G$^<::2QEQ*,H6M3:UH4QF:EJ)J)F(Q6/U";;9[5=7F66T---=@
MM)MM--H2AMMM&QZRE#;:$XPE"$)QC&,8QC&,8Y>?MDX>^'9@-',V_L'.R<NS
M@Z.U%2*N#3!B?(4/%W78!-F,N]A;"SY;3LKBHQ,&"`>K&"`ARI0=G*&C2L/>
M=W\+DW?M`72^J;ILTJ->F<5:,:?%B6$R2E24I(GAPT,$YZGBIV6;&)EI%A#R
MQ032&V<J4VP\O&&U$S8[0G9_:$^558>N:@J-OGI6.WN988D'9EAK$_`NZ,E9
M2KFCO5VRZI0R.=8KJ=6HML4B2;6VN;(*'6?'QV3"RUND/1W8D?;EDM=2D(H:
MM6"K,.L^JW'951DX1!RS\5;)R-9.B@?18"-)D(L18I669J.EU&@GB,+&;6^*
M9-\(_]'OXX#@.`X#@.!IB[LXSCJ]0\95E7_\XM\9\5>3XXPJU]LE83]JE./!
M&,^&/\OAC[.<Y\<\W\?NAGY/;+5CST.!P)+T_>1=;;"@[H8*08Q#CSZ/1Q6A
M'W5ORE;EX<17F#E)$>:9*D$+<2YXI4VE6/!7\&9,7%+$U-IS![(1Q,KKRR26
M+A5[-5Z99*C)&ZZ]00L(,:;(MFQEMA:AA`M<))F!UN#ST6ZR.`<I"'T*2Y]J
MG/7.%[92\5IW-K"\HM\!.5VSPE>L,SKFUXF:I&U*/FI2U4FM6.MS4G+5D;U;
M5XQ-N;L[SZD@J2D0AI*\I(\M>.(XS%$S$VNB=[30-DJ^W(>2K]B;=V!9-CSD
M-&CGC#A16;RH10"W9V(?@Y?+<6X"RLX(MF6#E,M)3C`B/'&4<:F">5VQRJ-[
M9K]&VI4#$R1&+U7(:*B$,NIS'QTB#?:5:CCBF'7D8;],C:IYC*VD*<4O#6%?
M:)\4ZF,8E(G"83??^R(MO<JY\41<ZQ8&;$'+3%CCE10\I48A^N1U?L-8HCT<
M3'$2,1)$,OR'D&O"X4^I"%8PK+Q#N8XYZ+/)9&QMH42\4S`0U4+`N+$Z$W'2
M#PX+J(ZGQ"9T*,`S8$F>M9!Y4&_%BO"N"I842"Z=YU1!3V%6(F)SP29B8W8]
M\TAP,;.T7\QJ_P#TV"^;MGY)\-<?/Z:Z[U(Y$K<V*,*](R9L',X$CALMI=4T
MV"XDHXAQQ26Q(T!+J5//+SX8\I*$86ZXTVO/+*=6XSA_0,M<U&:UWO5K//%M
M1]?W76X73WK8W.$!!;$I\W9+-K&O8>3XX&=O@-YLK+;K_FV5GQX0:%Y)-':<
M\[KX07OWL'N.C[ECX[7E2/F=54N*BJQM.=Q%0LG$,;&W.%/`:J&6A<S'7;TN
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M4&C:LA1>OJTY%CK[F8O=PL0SCP5@K-,U5)U0I)M!G!<>F5?91=^LT`B+EAU#
MGQ`R39"/('D0Q'4<':-7[NO6;2\_+N[#N0Y#M@K<7JW,#?+%*BR4]KF.T=9#
M[U7)&OV^SCR4M%NOS)Q+\Z:640],,+4V<XZSC","Y0!$PO1J?K6F]?S%UB;Q
M7J1IZS=<JA`WA>,89H]Q5I\9AFY)=KT*35I\T:E5H:O2A>8IX_!Z%!K)?,8=
MR,5*CNH?5O=@4DV'LO8EWD[;2+$S:+&N7@F+],P-IA)33\M(S5G50P+9752\
MA5Y#!80[T<%.R8#V)(0]D-+#`N6=NM-<5S4U1"HE.26)488N4768%]P=8%1A
M9"1)D1*?666!AL1M.K6"LBQ`'V[<;'MM",92,PRTV3-?O`<!P(:WM_,F#_3+
MUS__`"$UAPL,1>ZWY8-`_HU["?.CKES?#-S^3*/VQRYT<3@8S=I=^/\`7JGT
MFQL(H36+AM"N:[?FMGW-=!HM98G8FQ2:[!8;.B+F/00A%026\^+/DYR]C[;'
MA]F3--<>/:9C9B5/_$4GH/7=$O#^MZ,!%VB;W#!$;'F]@W1G0LK(:ML`$)`,
MTW:$'J*PJ<`VZP4^9"RDV!#1*!P"?X\G*4>7GMLW]>,Q?^4WV+MX?#4WL9;&
M:/'$9T9":DF`0F[6+(#V/WG4RM6QUA<S#"R$5AF(58,L-DAN&#F(:PZA7D+Q
MRWFD<,>,7FE^F=F-6[`VY<]+U0FPREMH)$L!9C&:S+YK4=*P68I,O$ESJ1U#
MQQHRYAE+62\#LG*PY@1PCS:_)MQ,TS/&8B.4Y(PO';YO7UXWY!V?65FB*GHK
M0TENO-ED3(M@W8+45)3<>2#4888@YUF'(?A\CC'2"Q''R\K\!TC);(>EU,X>
M%CA<<<<9E9D+W+N\I`5&8'U%$63$AM5^@7<ZAVRWST'28IE=`)7+S#\MJVN3
M5;D&J_>")93<^##QV8R$?*].2.4*[EVV6>$8XLHM)[:CMQU#-K#S$AN/2)[C
M4`),,2,[#ULPM\NC$W".2EDRL62T4UP*6>BR6D/@>FX85E:F\N*L3;/**FDP
M<K)P-8WQ(/\`5]/?_.OG_P`%.XCW>B_^9_?^6'W4;]:[K%_>&TM_616N7G[9
M7A[H=H-)_*]N[_RU^;!?/.]$Y0DVP5^!MD'+UBT0T78JW8(XR'G8&<`%E(>9
MBI!A8IT;)QIK3PAP)@[BD.M.H4A:%9QG&<9X10ZQKFATM8[M3J4#7W1HXJ):
M>BXX<5_T&0G#K/)MNOMHPZ0[+664)D3'7%*>+/(=(>4MYQ2\AXJ[JK7M2FAK
M%6ZK'1$T)6UU)F0$R3A[U$])-S!8[J5OK:(+D91EL@LMQ*C#'6T*?=<RA/@$
M@\#_TN_C@.`X#@.`X&FONC'3LKUEH(5<@#[-+.=X-[J8AXTN#"+(0W:.V2WU
MMD6.7@HE"6&4Y6K"R4*SC'@G"E>"<ZX8<H3G[9Q:PO8/<_YD;M^$^F_K3YW[
M;.%;P>P>Y_S(W;\)]-_6GQVV*W@]@]S_`)D;M^$^F_K3X[;%;P>P>Y_S(W;\
M)]-_6GQVV*W@]@]S_F1NWX3Z;^M/CML5O![![G_,C=OPGTW]:?';8K>#V#W/
M^9&[?A/IOZT^.VQ6\'L'N?\`,C=OPGTW]:?';8K>#V#W/^9&[?A/IOZT^.VQ
M6\'L'N?\R-V_"?3?UI\=MBMX/8/<_P"9&[?A/IOZT^.VQ6\,7.VU6VM$ZZ@2
MI+5-A@V57J+':/FK%KAV-;((@K(VC)6*W>+#*I::1E3BLMBN9RAO.,>*LIQF
M3-U4-<:BYOPP%/KH\'4;B^IY9\O)0$LY*RSZ<)>+6U%EI9'8:\I:08L/"U8'
M&1G*6\*4I65NN.NN6JB=4N^7'1W]+$;LG8Y69%"'&-3ZDA9BML+92\UF=W+:
M+E"S$VKS[2T#2T'!ZB2$$^PI+R1)R0:7GS;_`(*\ST>%Z;9O.-7ZKV9LO(#4
MIC7>O[G><QCYBHYF1Q4JY)3^0'I!`AZP6B_5_FU/88>RUA7E8;7X>3DC7U"]
MZ=L%7&'H\CIIAN;@+K5*;MADA!\$_67]I;$KU'U0]/B$2DQC6;UNCK!B3CFB
M7I[UPAG#2%")>P^W&J9&Z.[&S=^MANOMC5T&AW>%$;CI*&\DLCT^WOEVN63&
M1YP14W6Q6D:_@AY!#.90HHDO$J,WCRX*0\FI,,N.$.`X#@:A]H_ZAU>_H%V3
M_K(T]S7#-GY?[K+YU<#@.`X#@.`X#@.`X#@:VOB1_P`T-2?T\EOFE+<1G"^)
M8$];?UG.K/\`>GZT?UZ4#FN?ME>'NAVPQ"</=AMA+=\IS,;IG3J0/*4K*1,3
M=WWIF6\RCQ\A"I#-?"\[GP\5>C-__IYYGH\+]O-8Q=J3<*9F6D('%NJU@K&9
MR)P*J5AL3\27%9EHQ)S!069".]+\\SAYIQKSB,>6E2?'&2,#Z-T`'H<W.%PU
M^K<;6KS;M#V:_4N$UO-!0RQ>MEMKMXUC!Z^?F-J6,ZHB%6&),5/N2B[(N48D
ME-,8!PRUG!;3+J_K2?JW9!5PK=MCX*K2QDN3+:[K4&7#UI`6"+8+6X2,CFYI
M4*.$S$2\24:_D+TE4]$EFC*'3/2C*A;+3A#@.`X$,[Y4E%&A5K4E"$;CZZJ4
MI6<)2E*>P>L,J4I6?#"4IQCQSG/\'"PQ&[K?E@T#^C7L)\Z.N7-\,W/Y,H_;
M'+G1Q.!8%\UM7MB/T,B?7(H<UUL"&V3`>KR6ADKL,''3,8$B0PZ,1DF.R-.O
M^6TGS:U*PG.%X\,XS,UB:M9^U]$P6V#XR6)N6R*/*Q\#8:F2=KVT(@_7E5M.
M0535?GH^0C9J'D!GG(YM;!'HR#PEY7D8AG+B_*3%K'*O"+)'I#IHH<6&C#]@
MU>E.576=+M.O:Y;G!:A?J]J$$*)H0EO8-"D)EUV+A8T<)]X`T!Z0#8;:+4\E
M"<8G6%[SZKTB>KFLXK>A/87SUHD[ZMN<3'8F9EJ1CX-5D#&`F4193P'M,J+?
M%&\D>+*DB8>.\M60A!\^&<6HNT[3UZ^%RW706NMAS]VG[<$?+>\+3I6C+3$+
M-\S$&T,V2FI0IIIMAELX66=?GGTX);(2IM/D91A*TX7Q421RF*K6UN1/66E1
ME&OU((LNP)[WK6.*L.T+98+`%(W&_-1D=5JX]7;!*>IF0O9J8H]0%KY@XHHR
MW(E;V$.-DNJ)Y*PH[3<3HKVKM!TS4=KV1;ZR;82I#9LBX=*"S!D<1'0K#UZV
M9LQZ*@&@8F.)2`[>MP6$_P`LYXXM.#DC)>2&,(.Q8BK)Y3,1$^$W<K)P-8WQ
M(/\`5]/?_.OG_P`%.XCW>B_^9_?^6$G3PTV8[<]9\P[;?J6,[%:7Q)S;[>71
M3B$;+KS#D/!9;?;]()$?3_I9.?*88RGS"<./9=]&O/V\M&^$5,3+M;I/Y7MW
M?^6OS8+YYW:<H3+PAP'`<#__T^_C@.`X#@.`X&KW=GY(]6_WU^Q?^^.W7-<<
MX9Y^V4*\ZN!P'`<!P'`<!P'`<!P,%OB#_D3@?TE0?S<MW$9\5C+E^FDBW?S3
ML_\`1V:_W:3S<Y21G'[=\\'^L)L_]#6B?GOV,YY7I\)<-"#D@RXZ1$&/CSQG
MPCP#6&B@S0RFEL%"%BOH<8)&)8<4AQM:5(6A6<9QG&>$6`#IO4,6[7WXS56M
MXYZIDE&U9X&C5@1VM&&EMR!I=?<'BVUPQ)9[27W7!LMK<>3A:LY5C&>!48[6
MNOHB:%L<93*V%8`LSBQIL>(#1*M.629F;#.O>GX:]*61*3EDDBW7%*RO+\D8
MKQQDI_S@7OP'`<!P-0^T?]0ZO?T"[)_UD:>YKAFS\O\`=9?.K@<#&/M=NFP:
M+U]6;/7'*N*;8=I4"@$2MQBI^<@H*.N$JJ/-FR(>LR45-22XUO'G$LLO)4OP
M\/L\S,TWQCM,Q.C$^=[H[YA];5FZ/ZSBQ((J][7K,]N!O5F[;'K[$#240KE%
MMZ-=P`SFT:]5]D/R)HJ91[T\2/=B7'/`ALEC&)VFFND7,7_TOV7[E6H?5G9C
M8<1#:_EE:7Z[ZHW+57(:5E;!6+#*[`U_8[>>&N<:7$/359',AFVPB6&`'GQE
MY6M*5*PE-[83*=(OC&LIPK7;/6UJ[#6OK7&1UE;O-/\`242AT@Y30(UY\2#B
MK`1Z#7B+@G9KT5@"89PU+KKS<&2]Y3;!KJ\>&5Q=)TF./;PB'=7:S9.D-F6:
M+FJKKVRTV(UIN+:K57K4W./[.A]>:DU>;<$;&N1BA7*_!P%RO@&:P&&H7#J"
M'VWVR2O(?893,Q*QQCE$5.*UP>V'8$:5)KDSK2E2YM'N=%:VC::JW9\U&)H5
MYJ.N[RF1=7('K=I;M>KMHG7BY>1?*B\IK6,9;:<DV&F)<Z+UXZLLM"[EC]RU
M8R8]8UIJPC21Y$G3(F0018J1`2<M+>Q$;?(U9;YL+<R:\"G,J*ZVQ@&7:,`\
MG+@3V>:B;8Y14ISY63@:VOB1_P`T-2?T\EOFE+<1G"^)8$];?UG.K/\`>GZT
M?UZ4#FN?ME>'NAVQ0?ZPFS_T-:)^>_8SGF>CPF7A#@.`X#@.`X%N6^JPUYJM
MBIMA9>?A+1#2,%*(%)?!,P')BNB/.@GBK;+CY`=+OG!R&5(>'>2EQM25I3G`
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M>O&)UC<]T.X/SJ:U^A>T?7KQB=8W:O\`XDVL+N*/IEBVWZOR\627?,O#5.BR
MM..?89:J'GPGI21V%<EH&,RZC"U#M#D)0E6$.I4K"T:XQ,\L9\+41&3&KJ>(
M*!V6ZQ`@C#A!![]T>,(((RV.**,QLFK-LCCCLI0TPPRVG"4H3C"4IQX8QX<W
M\GLE>/N=BE)_*]N[_P`M?FP7SRNLY0F7A#@.`X'_U._C@.`X#@.`X&KW=GY(
M]6_WU^Q?^^.W7-<<X9Y^V4*\ZN!P,?>U>S+)IOKUM/9U0]`]I:?74R41F3BR
MYL%)*Y,`/*B(@`@0V2PAHI64LM.(<<5C&$Y\<^'),U%M<8B>41.3#F0['=L0
M*?:RX:HR%O%#VK2*[6+J7UQO.MK_`&"A2E-G9S8,C4>MNSMB4VY7B<I%@C@Q
MD+:,$P4"822R(1ZO6E_-RWUXW'ZU_ND+2G:6[[&G("*./J$JVYUXVO?I]^(J
M-NIY@FP]=;?QKM41*56YF9L=//CQ&UM2\,7AYP230XAHIYA+;SMB;_X3EQB+
M_;PZ?[VM6>5ZTZ]O%(E(^X[ITWIV\'W%XF$I]+DK-L;6S%R/8H8UHEQG+9'1
MTEXAO#`%%2@Y+[;2!2$H<=PCEE%$\/=,3A$I&W9M_;U#WIJ&DU&7U=+1NQ[+
M58:.U4[`6>4V9.5A!T@]N/9,G9PYX*&HE5UO6D"O@N+C)%J0-4L5UQ+I`R4)
MF;A.,1/&9FT'Q>_.Y%B#W'#:XC].;LL>MI*CP)EGH=7F86F1FRSXB\G;%U1"
MKM^T(X78#%!E`JL,;+XD8EX-B;)\Z+DD53+4N<6NO&*NX9-Z#[$P^X)^YQ#\
MW!-2J9$V5I-4CAI/)BM<1$93A_:DJ<)93%SB[.9:`Y\9L93;X=9LL"X4PTLU
MM;VHFV>7&HAE'RL'`P6^(/\`D3@?TE0?S<MW$9\5C+E^FDBW?S3L_P#1V:_W
M:3S<Y21G'[=\\'^L)L_]#6B?GOV,YY7I\)EX0X#@.`X#@.!J'VC_`*AU>_H%
MV3_K(T]S7#-GY?[K+YU<#@67==?UC8+-:8M`3QK=1NE9V!!X9,*"R-9ZB=ZQ
M@C7,BNM9)9&+^V4RYY33F/L*3G'(L3,72TMG:+H&VI.LSUFQ;(RR5`:>CZ_:
M:)?KMKFS!1%J1'(LL&J<HT]`2!<--^IQ%O#/+<;P\*T\WA#S:%I3%K'*8_2-
M9?I7UVEP(R&]D)R&K@%'J>M3ZK5]A;#JU8ME$HF2,U&LWJ$@;1'A74&%],>2
ME<DDE\AI]QHAQYIQ:,NL+WY:XK\;Z[:J;VR-NM4/-%7P`R3E(IX^Y7"0KL'-
MS=?<J<U/0-/.G"*K"2\K6G5AONBB-84VXZK&,.OON.*B[3M-=?"W/[*.HE;)
MV%M(EFY'6':X!,1L>.-OUM(J-Q@WZP;3V8&<J*I7$"9"1L#(.-"#98\T*YG#
MK>$NX\OBHQ.TU$:*A7^L6IJQ1+'KJ*`LBZ[<YN`FKF[-W.TVJ=MJ:VQ6XR-@
M[!8K3*S4R?6?9>I`PCH&7L#NP[2ALI\EQW*U1&!/*9FUT:]TG0=7V6_6RI!2
M`TQL>06?8%FRQL@,UAZWWW83X$2,2XMJ.CW[YM.QRZFT^.?2YA[&%892PTRB
M*LGE,Q$3X2URLG`UM?$C_FAJ3^GDM\TI;B,X7Q+7SUWDF1^T_4X!+;Y1IG:C
MK2M`PK>'7&1&M[:]23(E94M"!H\7+B<+<7G'BM24(PIQ:$*O/VRUPC^5^';E
M!_K";/\`T-:)^>_8SGG=_"9>$.`X#@.`X#@.!A-V/_+=I/\`17O_`.=O7/FN
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M4TK6%4W&K4O;RWGIS:U3=S9)=J7?HG7>N[DK$E#';'UAJ/8<,,I-S`4XT=7H
M@OSS3K>4.L9;==D3<PL\8B)_7]U6E^W&W:WV)VCIJOT:!VE(RW96#TSJF(F[
MBSK")JL<UT:K/9>8*G+)'T2[R,H,981))*E*$>)8:+QYK#N&6QEVYNDZQUB=
MO[O7IWO\7NPBE3%7T^%&:]DJEI29V!8+/MF#@K75;#O"C'7N`@:723*VD?:(
M42"*VP0\Q+1LF4^]E(4:4ME]#:[\$\*\XK&IGQ*;/>JE`6&&ZTSHAM_L_7B/
MUBS8K/=*G5[-5^R,M88JJS,C<K1I2'$8G:QZB03,!P@UBB_1365@2I^<J2F=
MMEGA7E&MX^(3NTJ#MUS@M?5JHU"H]1>SFS[;%A;`:/NL'M?0N];%I.3149F:
MU!.UFR5]$W4,9CGI"."P^)*/$E!^<$9#(=IT\+'"/.L)JNOQ(!*':MRTJ8TY
M*$6?03&[[#LZ)C+4841$:_H,90)#4%N!\Y1V&Y!S?*MHPZ!1<Y:1%)9E%^D&
MXCE8>=L\&>F4WA++'K9N^<WK3+%.6C6TUJVRU&]3%#G*_*#W9$<:7%QD'-,3
ME5.V'KK4UNF*Z='6%A&'RZ]&+0<R2/YM7F/.+U$VG**G-@]\4K_5=(?]HV+_
M`-72.;X>[T_PSX:_^K/ZT'6K^\)I3^LRK\U\GLY+Q]T.PRD_E>W=_P"6OS8+
MYY76<H3+PAP'`<#_U>_C@.`X#@.`X&KW=GY(]6_WU^Q?^^.W7-<<X9Y^V4*\
MZN!P+7NM+J^Q*O,4NZ1+,[5Y\=`DQ$OO%#LFCMD,E(:6\$^,4WA)`Z%>*'$Y
M\4_^CQY%B9B;C-2-CZMH6VH4&`V#7F9^.BIL*RPZL&R<3)P=BC62QP9Z`G8,
MV-G(*8%%/?:02(0R]AE]QORO(<6G*K(F8R1G)=2^O$K7JW5B=9QK$/4F+0)"
M(BI:R0<BT%>)!,O=@#YR%FH^<G(^Y2J<$RPYQ)+,D1C#A"7%X\>*C1>_+576
MNM^CQ[77;J+KF"#GZF+7!(%8*CP8D--.C%0M/*>K0AK-:D)2I1"O18LPD1XN
M/82E`[C:4)QA4:':<8M_EAZYZBM.S1]QR\!,^\H6/AXAFT15]V%7G_4\#(9E
MHN'=`K]JBXDB('DU*(4*X.H=YY:EN(6I2LY5&9VFJ\*=1.KNDM9T^TT"C5>8
MK]-N,+)5Z;K[&P=D%`XBYC,HN4;A,2%N+>JQ<@]-%.NE1:@REO/9<RYYS"58
M5&7@GE,S$S.*[J]I75]4O<CLJN5,2(N,I"IKQ4@(;+(!;BL1M,AGF8ZO*/56
MX@@Z'UQ7A"R!!&"3!8*/9?<<;#'2VJ,TN9BKP2ERH<#!;X@_Y$X'])4'\W+=
MQ&?%8RY?IH\OAX<=3K(\:^EE#L)*C,XSA2W2"GX\E#`HK#:5ODE/K^PAMM*E
MJS_!C/-<L(DXQ,\HIWYP?ZPFS_T-:)^>_8SGF>GPF7A#@.`X#@.`X&FOL&5+
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M<'66N#XCE@/F*EJ,*`JUR;D';_)(0];:'>:3#"-*J<OYXTF1M==A62T"HQE7
MHPJG2G5>"<)2G*G$6)N8I8XX3>3$;JY6@Z]V)ZUJ0XX;*27:?K(1,2Y/ADN1
M(;WEK]MK&<8SE`H(J,Y2.,WX-,ISGPQE:EK7KG%<.6K43C&CM/@_UA-G_H:T
M3\]^QG/,Z^$R\(<!P'`<!P'`<#";L?\`ENTG^BO?_P`[>N?-<<V>62*+73*G
M>HX6'N5>B;/$A3D#91HV;"9D`&IZK2XD_7)7T0A*V%F0LW'L%C*4G/FB&4.8
M^V3C.-LW62W933VK)NY,[#EM?U20O([]9):M9,,&Y.8*IF;![)%*/RUY]PFM
MXMDFD)Q6<K&2>^E&<8<5C(N:J\%MG:(T)&0$VR;JVB,5YRJ'P$X+[,A."$5!
M-ED]@GPY(K(SBB8M5LDBY13&$JPHU];F$Y6K/BJ"YPQ8;1>U_AGWN0LNU'*/
M4&YBWTT2^S5JO75[9=)F=DZ^VX[`ZAS<8KV]U17Y':%-N2;M'1!Q\<B2!<'D
MF?2EX:=PO,OBU7.,+9@T[2'736I;+U%UQJ^E&4Z6?L:,UZ&@H5RN3M@J,?2B
MYUU`:&/5TM/TV*'!>*7A+Q@K*<+4OP\>6H2YG.7IM-?T+2D6;?UIA:+#^QQL
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MH@AU:\94XO.;4:)VG5>)>J=9'S5TL<AKZFR$[L:M`4V_RDA7(DXNZ5*,:D6`
M:S:'"A7O7D$./+$MX%(\XSEMY2<IRG['%)<ZO5K_`%MK_5%;8I^LZ76:%5AB
M2S6H"IPP$'%X./=R^>>X)'L,-O'&O9\MYY>%.NJ^RI6<\%WFUF_%*_U72'_:
M-B_]72.;X>[T_P`)X:_^K/ZT'6K^\)I3^LRK\U\GLY+Q]T.P/5Q*)C8'8"<;
M5YP<?8L!2P7V49P&6-5=94@R0?9?RI:2B@K59)..)4C*4-/`99RG#K3N5>5U
MGPF[A#@.`X'_UN_C@.`X#@.`X&H[M+=:YK(>J:OOD]$54H+M5<-A4Z1LIXL(
M+<J5L[7&];X9*19ARAHPEZIWBV2,"6*R\X4,V&&22AI$B*IV\<X3G$SQFD`>
M]_4OYT==?AM6O^)\ZW&KAUG23WOZE_.CKK\-JU_Q/BXU.LZ2>]_4OYT==?AM
M6O\`B?%QJ=9TD][^I?SHZZ_#:M?\3XN-3K.DGO?U+^='77X;5K_B?%QJ=9TD
M][^I?SHZZ_#:M?\`$^+C4ZSI)[W]2_G1UU^&U:_XGQ<:G6=)/>_J7\Z.NOPV
MK7_$^+C4ZSI)[W]2_G1UU^&U:_XGQ<:G6=)/>_J7\Z.NOPVK7_$^+C4ZSI)[
MW]2_G1UU^&U:_P")\7&IUG26$/?K9=!E],08E=M]:M,IG8T&H>$K$_#SDP7G
M,!:FDH'`!.=<\G+KJ<*<7Y#+6,^6ZM#>%*PB8OBL<9J<&H20K!**I9K#9FQ7
MK#BKV/T$0=2B`*T.1$&MK%CW7$HR1(NL+\@DWR$*=QG*$)0UGR,])C"9G.FH
MPJ(=\D'^L)L_]#6B?GOV,YY7;PF7A#@.`X#@.`X&%W8W\L>F?T9[U^=/7[FN
M.;/+)8!)(P0Q!AA#`@@C#I)11+K;`PPS#:G7R"'W5(:989:1E2UJSA*4XSG.
M?#FV&.6F.W&@][ZF%W92[[&@:]*L4C5,2]T<:I:AYT!W^*`):L#P>&G9:.=8
M/"QY6<D@%,O)QX+\,2)B8MJ>,Q-3&*27]T:=%%@#BML:T&"M8P9M7,?O=69%
ML@<B<B+CRX`AR52U,#'R3B1V7!\N)=?5AM.<KSC'+<:I4Z*_[>4;!:0,W.J8
M.5.2E92%[11'I:K)"0KUDFJ^D?TSSV9R(KHSAY0GAY\<)M3[B$M)RK`J=%@)
M[#:@,F-70]>NL'<_?!<[+0*;+4>4C+;`.VBHT&T;*G8Z2F80TP&.<$J]1+7G
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MZ&M$_/?L9SR.WA,O"'`<!P'`<!P'`PF['_ENTG^BO?\`\[>N?-<<V>62S^;8
M.!1+)'/S%=GX@9;39,K"RD<.M]2TL(?.!?&:6\IM#KB6DN.XRK*4JSC'\&,Y
M^QPK6'%?#C;@>K=-H04SF;[$1&FM`ZGE;I=-G;-MM%@XG75UU1>+]6M<!3K<
MBW4:9-S.N\.AL!0H*G_1@6WT,M,H2SGKAO3??&9\(<N/PX]^V^^]E+23+Z)$
M8W90-\T0<B&*-JZIE.PM^ZQVK0)BU0M8TQ%ECFP53JTG&R+Q\W;)-<B_Z2R=
ME@Q0H+K.*]XCKGX9XZDT'==`53M;&ZGAM21I.R-MV;96A:9A<M7=;UEB3TWJ
MNG1D-;X^`JOE5P!R_P!-DCS1H<0QM8I>'$+\^\ZAJU5TQ,W/&V.<%TNV_/\`
M5V[4+:H&I)#LI<MIUC:%BW$N_P!AV"W<+.U:];2ENL:9,_1^O)#68RZA1FZ]
M#UZ)CC`@H>/!'<,<\7G>2IK'->T7<94F+L5U7FMA6^0NFIXFCTFVY@RK>1='
M''0;%<MO0V(&(UT/+$M0TR-&0-:A(MTY9WHQ1&9T&`+PTYF&;3FS&A'*HQ93
MZ;A]A5_5U(A=K3@MDV'&P0PUIF@G\F#F2"%.92G$@J,A5RCHHN6V7#%!BJ,<
M;4\IIO+F4XL98LS5X9),X0X&I?XI7^JZ0_[1L7_JZ1S?#W>G^#PUP=8`)VY]
MB]$8JTN37HF,[!:?CI*[`BQQ9P\KC9M9"4!4&9N.E8$Z6B#',**)+$,`&<:R
M,IE][SR1K\F/#E62\:CE%YNV>ETV!H%9C:G6AGAXF,],=2HLLF1D3Y"4D"IB
M:FI>3-<>.EIR?FCR#CBWUK?+,(<><4I:U9SYG1=/`<!P'`__U^_C@.`X#@.`
MX&*':O\`S=#?IM*_J*W?R\<X2<I1+SHYG`<!P'`<!P'`<!P'`UY_$M_('7?T
MJ5_YL73FN/NX_GA?$M`UU_F;;?Z,SW^ZBN=>7MG])&<.ZF#_`%A-G_H:T3\]
M^QG/&[>$R\(<!P'`<!P'`PN[&_ECTS^C/>OSIZ_<UQS9Y9,5NR>M+9N71NQM
M3TRTCTJ7V-!>QIMH?04X[$U6P&B1UX<C,!Y2^W.E4Q\\>/=\<(8-=:=7XI1E
M.=SC%,Q,1,3+!J/^&^;5+2]&5O9GM3IF5VIUBW++U#:,5$2TNS<]`$N0,HB+
M9JU=K-1Q%6S6T/7@/)<C_/I+A&WG'',N+5G/7_AOOMCBMN<^&9*3-`O5/=M5
M`67.Z,[7:GJ!Q%8(>9I\IV![+V3>=9FHY"F\NQXM1A)AB.>2+YMQ3X^%-9PW
MA.,.IWV\PONX='=NSFRK).06U=>0U,D-Q;WW77\R.OCK%;(FT[NZK7'K]@>4
M!EIHBE6&#J$Y8&9/`9`?FY05*V7E->'DNJG5(Y167Y:G]?\`H+?M3[!HM[L=
M_JDLNN;]D=W3`$0FZ%I)S*=0YKK21#1Y=NEYN1P]B6,8E<N+?0(ECRQAA0V&
MQQVT1,+/*XJO']TIW7ID===_9VU*SE5D:VOLGJ/>KM5EX5Z16X#K'K5L3228
MI:24.@*E7++<!985[*?(80)_D=\C.+6-IVJ*V_NB72_P_;QIV;UN0+9])VN)
MB(?2L9;GKQJEVWV.L)T=;;_9H/W*&R,HP!4WIQN[)0V0\QYV".&6:,E]Q[S;
M4HGE=K/U]\,&;J5?;K,[?J=;(^,O'65QDF1B;P:;=-=:`WPO<$B/L,*=N4Y5
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MGQQIG0ZLY\E6$^"KOV.QCP7G'D*S]KGQQC/CC['C_#CQ\CMX3-PAP'`<!P'`
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M=BWU\`!BMV]=8V,#%CX\+?&BA@P0F&A1!1VMJU!+;`X[*4-,M-IQX82G&,8Y
MU^3V<G/ACSAUZ\\CN<!P'`<#_]#OXX#@.`X#@.!BAVK_`,W0WZ;2OZBMW\O'
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ME<;YT6L)+P&EYW-.B->6+7\`CLR'-V86H/5VH+`O_I;<I'2!8\M'X<PXTTV*
MA;C;'`KCK'G_`.('@;'W%VY,.1FQZ1V!-I@_8/H1L>!A=AZR/9EJ/,U[N&HC
M;H+<]!Z5U3#FP54HL+$24@L-,U!@!H42++F#^?+7,9SV7^,93&4_],G^R4+O
MT+M7:+-IT/9%?1;-?_#ZUL3L:FTA-E9CZ\3W&W0SN-(9$U6;)5'7ZCK2U^L9
M7TD=]N,CR6RB4H86E>;-WALG&NN._P#TCDJ^=S(5-=A+C.=JV:W6K?VBK-;M
MVJ=!4R\[)V?8Z3V,;JFAA]G1<MKM%2B*'9M(>?/9G7,56!EL?Z4[+-.)'R\Q
M*X[>%O[$V5\1'%N[4"UL#9D;B%$VRW18V+UR?8X`*!"O]+!T+8-6F(TG'0L]
M;9>D$&DS00UPN3KSA!>2PHG(8K>'\L5B.'\58LE=[+$;IH3-WL78NW4W4O:O
M?=4JEJ3K4$[-MH=OZHT&<HLC>@Z/JH>NS%(>VE8+#7$3Z8\.+$9?)"=*9<;0
MMIC9A7C+^[V:%=[OQ$WU/U2Y"VFO:RLF@.MFW;9,OT"+I<%J>2UKHDNL;3ZS
M242%5HL&EDW?:S%6,1&99'*`CRIE@-IIH)++"+PA)ZXSYM.WP_[GVRM[5Y>[
M+#7$1;-<UT\^!>*H;7"(3;9:;0K:L)2RW]1:E!E=>`Y;C$`-@JM8`JD*R/8Y
M1)"LL7C?E.?7#JJGQ+?R!UW]*E?^;%TYOC[N/YX9\2T#77^9MM_HS/?[J*YU
MY>V?TD9P[J8+[;L#M%:?MD(U#HL92T_92DANX]A"'&%*Q]C#R!RVEY3G[;"'
M4*SCP5C.?&[>$R\(<!P'`<!P'`PN[&_ECTS^C/>OSIZ_<UQS9Y9+'YM@X#@<
MYVO9ON*%TM#[*/;$VA7ZQ*]2(J5L,];]\S.RI^_;3LMNUD95;W1X`L5Y[4PT
M7`(G&SFVI%&"TR;+.1<^8P\G&-6[3U[=:\I_VK\2_9]+V+VCK%2#U1:(?4.I
M>S]IJC1M>-CYB!O77>6IL0S$WAH'=DI:;#"V1^</\<DUJCI?2%AV**E1<.$I
MO;-(X1,1>S-W7>X+_98KN-2]T6^D464Z_6)VM/;>UU$G5N&K]7LV@J%N`>W.
M1%\F[PPS,:\8O;J'BR'U@G9CTD*#'0M8^+>=L3$?QF/+5^QV8@_[,=OV@[VG
MW&12+;NT:O=7Z,QNNIB;MO1QVLFJ]`>]/8AKZ9G5%.LM^'.NSD?*&BM0T&PR
MDI.6G\1?)>%VWUGM58TG?95B[#:?@A+G;.QSFQH78/7<"4FBM7RSI)H])H6M
M]'2>ZMR4()M$32Z^XR36K,FMV,,ME1\_MR)P=Z/'P`KN4W'E(B)G+RVIZ@V;
M#[AUW`;"@@)2+CYER;!S'3"P7I`*0K-@E:K,C.%1A\I&R##4Q"/X9*'(>8*8
M\AYM>4KQS48L3%322^$.!JO^*=_,C2_Z19CYES/-\/="^):K].3T96]]];):
M6=(2,+V<ZY/X'`CY&:ECU";JHYS@4+`PHDA.6"7=&$<RP"".082I/D--+7G"
M<Z^3V2<<X=GVHX.PD25]VC<8LV"L&R9:,;AZU*.BO2M.UM407(VE5F2<`=>#
MQ(&R!LM8RF4J<4";8GPLNO8&2ZKRNLIKX0X#@.`X#@.`X$)V/]8+5WZ&][_/
M;KGPOA+G"'`<!P'`<!P'`<!P'`TV?%O_`,WK_P#\[:G_`":XYU^'WS^F/D]O
MK_EJXT7^7KK_`/I_T=_6M4.=OD]G)S^/WQ^>'75SR.YP'`<!P/_1[^.`X#@.
M`X#@8H=J_P#-T-^FTK^HK=_+QSA)RE$O.CF<!P-2D?\`$JER-GVJC(J6GK#B
M#VIVCU@[3J9N&0F]X5`;KNQM$F.V1LO6N*,D.K:]N6=:H'44Y)I6.[-!J925
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M:'-N-*RRG*CHG8<E/116<+6A+L;YOP2MMSQ\;MHG/A#@.`X#@.`X&#W9^7B8
M;;VEGY>4CHIAW6^]6FGI(T8%IQWVGT`OS3;A3K2%N>0G.?)QGQ\,9SS7'-.6
M2+?;JD_+&J_A#$?=?-L5.A[=4GY8U7\(8C[KX*G0]NJ3\L:K^$,1]U\%3H\7
MM1K?T%,7[14CU:AI#"8[UM`^@I8;\/-LI$](]'PTCR<>"?)\,>'!B^#\_J\I
MQ]TJ:H1+I6'4E./R->><)2\.R&\E];CRE/8=$&;:5A6<^4VVE.?M4XQ@8ONY
M:-;O(.;>L5(=;D_#UDAR6@5HD?!AL7'IR5$927X#-(;_`(SROXM.$_P8QC@Q
M4;SNE\M88\[J_P`QAQ3N&?+JGFL.J2E"G<-^/D8<4A&,95X>.<8QC@Q5',[J
MW/D^,Q0,^1%+@D>,A7<^3".>;\Y#)_COM8ISS2?*'Q_$Y\G'BG[&.#%Z@;7K
MN+"%C8RRTN.C@!VA`0`9B#$"#%81AM@844<EM@<=EM.$H0A.$I3CPQCPX*EZ
M_;JD_+&J_A#$?=?!4Z'MU2?EC5?PAB/NO@J=&K7XH]L@9&F:5$@9,"RRI&R9
M5@&&K\A'R<F<2[3)OS3++#)7D-(^URIQYY38X[25.O.-M(6M.N/N@\2P@ZT:
M\7"[OZY6:U)!.NKW9#K>TG(N5OQM6"*WOKI3T+`./H;<<4O"$X,.RAMX]Q.,
MY2TPED=K?./X<IG-./*^41&3M<YY74X#@.`X#@.`X#@0G8_U@M7?H;WO\]NN
M?"^$N<(<!P'`<!P'`<!P'`<#39\6_P#S>O\`_P`[:G_)KCG7X??/Z8^3V^O^
M6KC1?Y>NO_Z?]'?UK5#G;Y/9R<_C]\?GAUU<\CN<!P'`<#__TN_C@.`X#@.`
MX&*':O\`S=#?IM*_J*W?R\<X2<I1+SHYG`<"&:QHNE5*A;&US%.SBJ_M"U[C
MN5E66<.](MR^\;39+?=$QA*`6FA0VI:U%8"0MMU3#.$)6IS*<J4KPLS=2QH=
M^&_U_<LD)9TR>R62X&%IT.(&W9HI8#KE(TK(]?HB7)0_6WBU2#NL9-T1UI#R
M`,$J44T,T2Z\XY.L-=Y9$:IZ]4/3DS(3M0(L*CY+4^EM-/YEI`0UE%2T,'=`
MJ.\RVW'"^3,N-7LW)SRLJ;(4EKR6V\)SA5I)Y3.:$]==`-&T>#M56LA-KW55
MKC>3MH34!NANB6L8C9TF483(;#>/BJ)7)V1MQ+1S@R2C2RO,!80.REMEMM"9
M4+/.<XPE>U8Z<Z?J6H]/:+B?:=.KM+A2PT#5URPC0]C,EH&?@U3=S?"BPRI>
M7`=M!TD,ME8C3<PZ@[+:B!QELJC"$[3<SYE(NB=(5?K]0FZ!5)6QSH7K:2FS
M)JUD0S\W(R$EEE"W"45V#K4`,V,&*P.V@4`9&4,X6O"WE.NN6(K!)FYM,W"'
M`UY_$M_('7?TJ5_YL73FN/NX_GA?$N?NUMR\[!7"%K@R75A56?)GYLEM:X>O
M#)A7R$#/Y;6THV?D&'$Y'"0M*DM*P^\IMO+?GNG*<)B-$C"8MWZU"HP%$KD7
M5*P$H"%B6GD#M.E%R!A!!9+Y\E)RDI(OE2<S-S,F4\6<<6\\6<8^Z^^XXZXM
M:O(ZKDX#@.`X#@.`X$`7B#A9W?>JQYR'BYD=G4.]GF6)6/$D66GO;/KNCSK;
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M]\_IS^3V^K5)JG\MO7C^\QUJ_KWUYSO\GLY.7#W0[`^>-Z#@.`X#@.`X#@.!
M"=C_`%@M7?H;WO\`/;KGPOA`/Q';_<]6](.Q>P->V*3J5SK-':.@+'#&CQLI
M$EN6"%$62%(E-/#`O9&)6C#RTJ2WA7E9Q]CB3CG#6!1^[^S](R79V#D-E#V$
MP,[J4%INN[=VM3^RD1!2^W#]RQ-H4[MC61NO*Z/*6GW=_P"C5NT6"O,1>`,2
M*Y1(LBAE,6HP7?2OBW[0LMMZ9L3FM]9U>C]@:+HR7ODN).JNLQ&7'<>V+/J1
M,%%0%:N+EVJ<=F7K[+L&?FO6F'F'C'!R)*-0"^6L5FRC^'KWUO?<>?O@=MH5
M1J,:!2JCL>N"U^RP95KIH-MM-ZKGNWVG5TW2PV(:WPJ*@A:I7($0&67@\/T,
M=P#"R:DQ3`W6/>G9&J=O[4L>V=]B[2JV*)W4O-9GJYLNMV[4$DQH\N1M4)#[
M'Z]QNKH;L=U7EM3U^%<@SU!C6(:5+PZAY1A;X+JHU5^%>A_B=[8L0]4V5=3*
M;2HO3.U.ZU0V,Q7'REZYV)#Z=Z0U[L/3INR1M)L>\)B)#C)2ZL-EB1DG-GL.
M@K5EI!65@,+.N:6]'?$5[,[ZE-=Z\K57T-"WJQ]G]W:%GK;+C3DQ3_4&K.ME
M![#QMHAZY0]L7!L>9DV[RF((`5:#/1UL*==6.0EP!M:3$,FNB'<S:/;:?V!&
M6G7]8I0VBZQ6M<;J]79G5DA=OH^W;`@]P:\KF9$I:6J91H2JQ)[7I;:CW46,
M;Q<4E"E+J3%,.`>P\H]N/L_02.]4\_JF9HVL+;0]F,VS6334+>);LE;M?6C6
MDA86]=M,=6"[!)/QNMP6)$&5==0`]/C/L2+93*HOB,'BUWN3NK(Z0ZP=C8_>
M<%91;#3[!I'V%LBABCMA[YAISL]039IH"J4IR(VI102`ZI=2;B`?&%9IFKI4
MX&*>;M!2`RX7,-IO3'>]1[`:)J]DJ)6QI!JL`UNGS$KM=BO-7N?DDT*G6T&U
MSKM2G;+6BB[E5[;'2Z\B&*PRX<IAUL<AEX9JLS%2P9^+?_F]?_\`G;4_Y-<<
MZ_#[Y_3G\GM]?\M7&B_R]=?_`-/^COZUJASM\GLY.?Q^^/SPZZN>1W.`X#@.
M!__3[^.`X#@.`X#@8K]HH>RSR]"1M2$@S9Q[=ABQA[%-'P$4MMG1.\'"<OR<
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MI6N$WSXQE_\`B3$<>,RTYV"N1%4U/;8*#&R+'A4RT83AQUTDHEYR'.<)-/-(
M6Z4?(FOJ4X^^\M;KSBLJ4K.<YSST3%<9B-'*)F>43.KN'YXGH.`X#@.`X#@.
M!"EB_6!U?^AS>WSUZZ\+X6-W'W5/=<.JG8/?=6BHB=L>H=3738$)#3^#<PDG
M)5J%)DA`I7$<4$?D%]UC"7/,O-N>3G/@K&?L\$1<Q#!S6?Q'YZ.+[&XW#'5B
M\5[2%+T?<H^RZ[IEEZU2LP[N&X7JEOU^3I?<J]T(&(BZR74ARW;698`:TIHY
M0^7T%"O-\BS&5+V@_BU=9K'8^L]8BH39:C^TD''SU*>DDZJ@`X1@[9DOJ)R.
MD%V':T41?I^*NT"6V;'T%NY&"@MH/6W@$@8AY9UG%,/67X@>@.V&Q+UK75I4
MSF;IL2;9@"Y0Z@F`W>FQUQE*$?;:\)3KU;;%7H\:RQJ6_0K2!79IP8P4I`2Q
M2&WLU)B88[:Z^(!M$CM%>-*;GHM:U>'"F;_=KNOIZG;;J^S+/3-1>LI>GWS5
MNR9Z.?T9O]G8E*BE2A41#FQ$A`,O*RO);893F(M86]-4^*;1=JV#4#>L:A+-
M04UO?:FGMO1MCD->6JQPC-"Z<;#[5Q,C0K)IK:>QM56)Z=8KL:)GR)PK(^72
MA2FA"VOM%G7"UQT7XJNF=FA5EK7VI-X7:Y6O>DKU^C=>U$OKU:9C%SBM'%=A
MG)-5SKO8"4TV95G=;A.N*(#M!1`9K3@IC`SK;N$+.LYITZY]W]5=GK%'5?7E
M:V,!+KU-[UK2U:8FM`HUQGWJWK3/NXOF8BW3BX[9B;QJ^R,J"%2:$EJ$)6HS
M&<LI>J3%,.-C]_>QVM-OWW31]#T/9;0Y*:AK55Q3[!=IB+TG;>PW:&B:%T?6
M^PDYYID68FKK0+@7>?08IN',:%A7@O-Y:)&E%1:5*&^(/OH9BN6:UZ'#D=?4
MRT]B=9;[LNOXRV3HKNP]![)WCJ=X?6QY!2!HHRW6S6M8:@Z]*-FRE@,O3(`#
MRWHLEU\4V(]>=L@;FU35[@FVZQMMFQ'@1VQ%:BLXENI%=V"F)CI*QU6*FQ9"
M24<-$JDVLC$N+0J0!=8-0A+)+6.5)BI:\OBZ?S)T)^DRP?,.;YU^'WS^G/Y/
M9ZM0VJ?RV]>/[S'6K^O?7G._R>SDY</=#L#YXWH.`X#@.`X#@.`X$)V/]8+5
MWZ&][_/;KGPOA),S"P]BBS82P1,9.PLDSD:1B)D`63BSQU9PI3!H!K3XA3.5
M)QG*7$*3XX_@X1:D?JG5T3!'5:+UM08VL2AC$C)UR/IU=#@I&0%4.L8\Z('C
MFX\LP=8C64.N-J6C+2,XSCR<>`5)JAT9@F$-8IE39,K2Y!RN%M5V';)@')9Y
MTF5<A'T!X=BER9#ZW",L9;R\M:E+\<YSG@5.)KE>@7I8B#@H:&(GY-Z:G7XF
M+"CGIJ8(2A!$M+.AL,KDI-]#:<+?>RMU6$XQE6?#'`IP]%I`<K/S@E.JHLW:
MQ\B6B8'KT0Q*V07*,-9&GY!H-)<P/EK'D^00MQ/D_8\/#@>0'6VNHQ+2(V@T
MJ/0RA3;*0:K!"):;7!,59;;21P&\-H7616H[.,>&,@-I'_Z).$8#ZQ>O*#!.
M"O0=(J4(^"I*P"(:N1$40"M,(-6D.`O@!CO!NHK@;("5-J2I(32&<9PVA*<!
M8FB=`T#KQ5[!6:%[0FN7&]6;9MYM%OL!UHM]WO\`;W1E3MJLTV>KRRY$D4`4
M5"6T,L,"",M-MI2C&.%F;2&JCTI;-F&73ZNL>Z+6Y<1U5^)4S;''6/17'+,U
MD3+<\MP7^+5DK#N<M_:Y^Q]CA'LQ6*TE=><37H-*ZBA;=47B)`PNL-NQJX9Q
MNO*P/XPJ'(AU0BL#>:QD966L_:9RG@?&K5"I4:(;K])J]=I\"T2::U"5:$C*
M_$-F213ILB6W&Q(P@:"3S'EO/.81Y;KJU*5G*LYSP-1WQ;_\WK__`,[:G_)K
MCG7X??/Z8^3V^O\`EJXT7^7KK_\`I_T=_6M4.=OD]G)S^/WQ^>'75SR.YP'`
M<!P/_]3OXX#@.`X#@.!"VU/YY]=?TRS?_P"/N]>%U>C>$S*5W2NW[!"&O1LU
M!:NV!,Q$B-G"2`)2,J<L:`:QE6%)P\*6PA:<YQG'E)QPD9PY^>L_=O:>LV&;
MULC;TW/0!7PW[7OXZ'V3N>L=@8"2VS4)73/C<YH74E9)V'HR(9;O[@RH<UMY
MN9R>III8Y$2ZIV-S&/JNF>^,CO"MT&#LTIK?33*(':?8*G;2M#<[&R88M<TB
MQJ>29GHS757W)9[0Q%2D7LY:920KLCL(B$,CVF5Q3ZSDI'6G5G#IOOY=]I=V
M[EUS<H53BZ!$6C;-(C'";!$1&U8PK5%>I,ZB]35;E[BW-SE3O>+1G`H85>8(
MC!"HPMXDAHM[`HJ*NV->QNS.UJ-\0[,)*;S+L.J#NT&D]+Q-,USLW7\3.ZV7
ML2AU"'1JO:/5?8=$B[K?(6UV^P*L.=@U>?D'8^+*](;2@:-,%;$1<9+&J?Q.
M]L;]V!4Z?!&4V'K']HSI)*5Z[ZO?*%:MNJ]W;BVE2K%1K-&3=CL-A:\]%T$9
MU3DM'5&8?9,RMV#$86*^2M>N:NTKXM&YMCNWJ+HM6T=8"2;YTNAM26QM=H9J
M!=>[9=E)_0SK=MBQKA)7=@ZL!1;$BR])1]5EWL$>6_7V!U"N%+.K+O1'<G>U
M^[9SO3Z]4G7@]ZTY*;7G-\6>L`VP"O)U4BN:HF.N-FHPLS.2CH\IM<O:;[1+
M11)J&%U*8:1A*TH4BLS$5;S7&_[M@.W/:>F7[LC"ZXU.+T:(VM09R)I<<##=
M?F/;R\5HG9<]FTS,Z%>;G`1\&N3(++2'$>;:9&]7^;:=<*'B)W8E:MVEV4O6
M@U]G=>]H;"OK?2]_%WFM`;:EJU,[\L_7B/$TPU%1MB%IE#>]J;AMN8A;BFK4
M238@Y-X2\PWG9)HP,4=$7")JL6PWHWV*)V_%;!U[='+>_NK64Y.3&U7IQF$5
M4V)2R[GWKKHZLZP/AIF1),H.K]CZ/M--CG),2*E#@JVQ*+&<'DA32ZDPL3XJ
M7ZO50_3)7OF5L+G3XO?Q_/#'/V<OSRY^GJ99MH/(U/1(@JQW_904Q5ZA704I
M43(2!D44AXM]Q:D,1T)#C*R3('D*;$!%0IUYQ",>//1SF(XS;CPB9Y13M#YX
MWH.`X#@.`X#@.!"EB_6!U?\`H<WM\]>NO"^%5V]JFE;SU=?M.;(CB)>@[,JL
MS2[?%BR)T22?7YX-T"3%8DXU\:0`=>&>5C#K+B'$9SXISC/"1-8L9"OAY]<I
M;UX=:,[BNMLFB-<$,[&N?8#=%AV76/=+;2[YK\>C7HZ[JL-'$@;C($2&6XMX
M5)C[V?2</)PA*2W+Y-_#DZH)AM>5IVGW(JKZTD&Y&#JI>W]M/UB9=#V=,[CA
MF[W`*NGJK8*('8LZ_("JF6C7LIS@9Y;HN5L*%RF?3G634FA9>SR^LX^UQ2;/
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MK$&;:8RPTUYAKR!<O)U`ZD,]9SNQ%TFIJM6/9?9K>%BW3?Y*GU>3J%6C'95E
MEJ/J]>AIFTW&53'BGN2$L2\^<M1,Q-G.I0TVMMI`F;I;T+\.'K/"#;=!;9VS
M(1N\;41L'84;*;PVJ2$=LU=XK.QX_:42TW:F%5S9->N-.CBXN:`4.=')&PRP
MM#&5-Y4=IP3;7>K^H:I1]7:W@HJ:'I6IMAD;6@X4ZT3\]FP;`+F;5;B+1?96
MPG2LW=I1[8EO*M*G3R75JLC8Y^<Y=';\D7+U=>>MNJ^KU-D:)J2-EHVOR<M$
M2I+<U.R5@,PFLZ_I&IJ?%LFR;SSS433]7:TK\"`UC/E8!B65/*>(4\^Z)F\V
MO_XNG\R="?I,L'S#F^=?A]\_IS^3V>K5=UUI5LV)V'T=7Z3!'6*4K^X=/[)L
M+07F4LU^AZ]VI3[3:[1-&%/#B1T8!&13B&LN+PX8:XT*.ETEYMI77Y9B.$Q.
M<N?QQ,\K\0ZV^>5W.`X#@.`X#@.`X$)V/]8+5WZ&][_/;KGPOA+G"'`<!P'`
M<!P'`<!P'`TV?%O_`,WK_P#\[:G_`":XYU^'WS^F/D]OK_EK?ZM4JW;![':;
MB:77Y"PDU79FM=AVQT/`[857I-1OL#-S%AG3BWQA0AE,1CC(C7EJ).)_BAVG
M5)<\CK\LQ'&8\RQ\<3VOPZP^>5V.`X#@.!__U>_C@.`X#@.`X&/V])T*M3F@
M)N18F20PMRR?GF:_7;!;)=?I.AMWB-^B5^K1DS/'^2Z^G+GF!G/--84XOR6T
M+4DL>7ZD=Z:Y]7G^MX3:WJKT,KUGZQZ[;Z]7^K_,+]-]/])UCZ-Z'Z-Y7G?.
M?:>1X^5]CQX*0?0-Z=)_5]Q]UL)"^JO4V?>![`==K[ZO]GO,'>/MC[.ZQ]&]
M3>C>D_Z[_$>1YW_)Y?!4O8/O3IOZKB?180+U+[5Q'J+T?KML3U7[<^S\)ZA]
M4^;UCZ)[5^ROJ[T/S/\`IGJ_T;S?\3YK@I?X6]-$^W$WZNA+C[R?4T;[1^A=
M=MS>W'L]YQ?J?UWYC6/K[U-YWRO1O/\`\1Y7CY'V>"I]%),WIUL]X\?Z?"3?
MO=]4J]5>F==MM>\?U%XN>7ZO\]K'VG]4^/E^/F_XG^'_`-?!2W(W>G3_`-;8
M]40C'KWU^WX>K>NVR/6WM3[3&>:\/1=8^F>O_;+TCR?_`.H]9^<\/X_RN"I`
M-Z=/_6#WJN$8]:>OP?2/0.NVR/6'M3[;?_;?/>CZQ](]?^\?_H/*_P!(]=_Y
MG^E<%2M?5]HZLTC>F_;+59';]EWWL5FA3NW0YO6N_;3<ZQ2QUVY&JH)NKN:_
M651==#OE3N85G`K#)3N2LX<>RUGS8QJ-$HVS>G73R[![<PEA\Y[(8]J?:SKM
MM[R_8+T\CP]H/7&L?*]D/6GG?]9_T+TCR_\`W_'@J5E53>G2_P!EE^P\)&>Q
M/MQ4?.^RG7;8/LM[R?7\![!^7ZHUCZI]N/:CU7ZH\?\`3_3_`$7T?^.\SP5*
M\J7O3KA[0;$]W<)/>U7M*Q[V?8OKMMSV@]L?58OHWO$]1ZQ]8^TOJ7S'F_67
M^E>B^1X?Q?D\%2Q&^(M=`-G:>H5.IX%BCYZ4W-6VPS=HTO8&F*.'Y=1O;"S)
M_8&S*A7JW$1P*7_/OX2X0<L=MST44I_"&%ZX37*)JV>47QG'\M+W1+3?733,
M81#4_:^J-Q]A)>N,RNR[=4K-6)B<Q"Y-%;7%5F%CY:5F:QJZ,F?--,-+5GTH
MK"7RW'2E8RF\YY3-\H.,<8BN.38ES"G`<!P'`<!P'`QOV9;(NG;QU3)RPME+
M&?U3O(!#=6IEPO,@E]VW]?2$K>B:3!6"5'#PV*K"B7&4CH7E"%+PMQM*B^%=
M]^E*_D3<?^';L#]6/!1[]*5_(FX_\.W8'ZL>"CWZ4K^1-Q_X=NP/U8\%'OTI
M7\B;C_P[=@?JQX*/?I2OY$W'_AV[`_5CP4>_2E?R)N/_``[=@?JQX*/?I2OY
M$W'_`(=NP/U8\%'OTI7\B;C_`,.W8'ZL>"CWZ4K^1-Q_X=NP/U8\%'OTI7\B
M;C_P[=@?JQX*/?I2OY$W'_AV[`_5CP4UJ_$:D&]XC=>J73"%4\I[:$L[*VS>
M$!:](T>LP;E/E!I">)F=IPM-;LY,<V_Y34-#J+E35YQC#;(^"#!M_'RGCRF8
MBYIGE$3QQFHMFITUUCUGU)4;!4=!7JD[)LS;T$?N"ZP5MKMMMT_8"8]]J&-M
MJH.2D?9V-<&')S#Q2,,`",^>]&;RM9#KDY3RF;Y9D56&3,GF5.`X#@.`X#@.
M`X&->S;?$TW>VICI<2T&,%:EWN(TBJT>Z7HQ+OMCUW>\LB.I%?L,@&-Y#6<>
M>>:0SY><)\KRE)QDOA</OTI7\B;C_P`.W8'ZL>"CWZ4K^1-Q_P"';L#]6/!1
M[]*5_(FX_P##MV!^K'@H]^E*_D3<?^';L#]6/!1[]*5_(FX_\.W8'ZL>"CWZ
M4K^1-Q_X=NP/U8\%'OTI7\B;C_P[=@?JQX*/?I2OY$W'_AV[`_5CP4>_2E?R
M)N/_``[=@?JQX*/?I2OY$W'_`(=NP/U8\%'OTI7\B;C_`,.W8'ZL>"FL3XAI
M`^]K9UOIM4D4T/!$ALEJ<NN[Z[:M.4^HPK[=#=,L+KNSXND/7)\)L/*&8F'<
M>,*,>8;=6&,XZ</OX^4\9F8BYIGG$3&,U%L]>GNM^M6J*+-4SKQ<Z?L(H*6#
M)VI<H2WURZ6RP7,V*&?8D;Y(U\LAN.-?B,M9CX_"!0P8_P`VT&PT/A*>9Y7<
0]LUBJBLF7/('`<!P'`__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>45
<FILENAME>g655868g49e14.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g49e14.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0WR4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````>````&P````&`&<`-``Y
M`&4`,0`T`````0`````````````````````````!``````````````!L````
M>``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"U4````!````90```'``
M``$P``"%````"SD`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!P`&4#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#D0%(-3AJF`DIB&I]JF!I*T<'HM^4X;_T32W>1R\,+=S+WM_P=+W;&
MU>K_`#_^!24YU=-EK@RMA>X]FB5H4_5[-L^FZNH\;7$D@_NNV3M<M/[-3A-`
MJ865;H@R;+'CA"??D5UNMO&UQ$L:)AK![O=^:[W?0_[<24@?]5[VN#79-4GG
M1Q_ZD*EU'H^5@/8'EMU=H_1V520XR6[-OT]_M5ZGK3"/2R6[*B='%_N,_GL^
MBYK?S&?0WJ_7DF@?9]C+\>R7-9_.N.G-1^GZG\G_`-%I*>3+>?+E0+5M=394
MYT6-%=D!U.6T_H7L/^`OL?M]&RK\W(L_5?\`27K+>QS7%K@6N:2'-<(((T<U
MS3[FN:DIK$*#@CN:A."2D,>Y)3CW))*?_]#EP$0-2:U&96YQ#6#<YQ`:T<DG
M1K4E.I]7^FMLWY][=U=!_15N$A[A]-Q_>;7N;_UQ;%+AC8;FD&<FQUUMG<DS
M_P!+8STV?]<697DU6_9L"BQCZ*G-;NJ((<Z-UUGJ?1V^HW_!_I%O7,KNK8PB
M6Q"2G%NZA2&FQX]YT;NT:UH^BW^JL^W*]5Q#SZ@,Z-G3CVZ?175-Z7T^ZDUV
MU[_/NJUGU>Z<`[9O8"9V@P)\=`DIY#-P@UQR2UK7'5E)``:!_A&@^YFY5<3K
M3O4MP\H;Z2##GDM;(_DL^E3_`&5V+N@=,#M[F.>[D[G$B0J/4NC]-OI-1J#3
M^8X#W-/YKFDI*<(]:RK31CMM].EAVM#9BHO'MM]8[7M]+Z6QC_\`A;%8RJ#8
MQ^2T3L(#R&M:US-&5VM]/V?U_;7_`,4N?R*3AYAQ+[2['GVGVC2?H.)V[?=_
M*6KTCJF/7E,H<;757S6=I.T5F?YW'AU5E3?[=O\`+24P<U!>U6K*RPEI_-,?
M<@O:DIKQJDI1[DDE/__1P&M5C':!?4XB=MC'QYM>VP?]2AL:K#&D$$:$:@^:
M2FETG.J'6&8>KWU@L-A.Z17PQOOL_M+M:G[F@CGDKBQCW,^MF'>`XX^4XL#W
M'<=T.)K>_P"E[?S-ZZO(R'5O<RFBZXLT(J:7QX_1^BDIUZ;!\!]Z5Q#IB=%C
MXW6F%_HO!JL'^#L!:[_-*)G]2]"GU7&!X'0)*2W[HYU6;DZ`$Z-F#*%5UBVU
MGK7WXV'C@P++I!,_1&UO[W\M5.H=3K!::[&7L>0`ZHRV3^=HDIY/ZP^HS/!=
M^<-S7#F)[*LS)L<ZKWN:*W!XC2"#NW2MKK^,S(H-D^^L;J_/^3_Y%4,#IC-C
M3>#ZSP'"LCV['=_ZWTDE.[FN%USLAH@9`;:!,_3&_P"D(5-[5=M`T#9#6@-:
M':D`"`JUC4E-6/>DIQ[DDE/_TLEC59K9*A4V5<IK24RHIK-M3[!/I.WL\G1M
M_P"I<BWX>2^^P_:+J<9S?T'H':6OGWV/(]S_`-S:Y%KJG13P;RYN]YC6([Z)
M*:QZ=7M8ZQUUOI`$6VNU+A]$Z_\`4,1NH-JR*JJWM]CF^X>*EG]1I>_[.'`/
M:W=!\/HQ_:0>HEC<6IV\5DB"Z8C5)3<KQF?9W8]5-;Z+0T&IPTAOT/I?NJC;
MTC#K<Z^VMC'Z#;7[1#?H-]JAB]?J^T65T.-]%8G=W$:.V?OL:K&3ET9-.]AD
M.'(/*2FA1CUY%VQK1+7-<)Y`:=SMK/SO:J#^D6LR;*@_2@;6'F6"'L>/W762
MI>L6`VL)#FDD1IJ-$6OJ%F1D,:&2,BN+G`2!L/N!?^9]-)2)]8`@<#0*M8U:
M%S%3M:DII;?>DB;?TB22G__3JTLX5^FM41?CT";K&LCM,G_-"#?]:,+&'Z*I
MUI\7'8/XN24]%17J/)8^;;=CV6TL!W,D`><G:L',^N_4W--=#J\8'DUME_PW
MV;O^H5;I?7W/O+,I[GN<26V6.+BZ?S7/=_T4E.IAV]/R*;*,NQMF3DZWL=HX
M"?96WZ+F[%5S^E&O:ZN^RZAO:RR2WX[OS5M9%&)U#"A];,FL_FD"1_4?].JS
M^HY#Z.WIF'7LK?2-I;!MJ:;6FLG:QSF^G[F[OZZ2G+Q\W$Z=CG*<Q[R--[6N
M+1Y>H!L^DM+$9?DM.4:#BLMDECM"X]G^G_@W*69DT9&6UV.'9%\^U[X+:]9W
M,8WV,=_+_GU9MR&T4'U#K`U*2G'RWBIK@/&50;U7(P7BJFX5-<XDAT&LF2&-
MO:?S';7>_P"G6GS<E]M[:ZFE]CG`-:.7/<=M3!^]N>6K$ZJTTY^5BEV_T+G5
M%W8FK]!+?Y/L24]?C=5QLP!CQ]FR=0ZAY[C1WIN_.2N;$A<6<ESVL#Y<6C:=
M8!`^AN_ZE;G3NL>UE61[F1$SJ/FY)3>V^])$_0SZF_V>$>[[DDE/_]3A\C.B
M1.O=4+,AS]5"QVXRH$)*422?$GLGB#L'C[CY_P#F*37!NYW<#3R4V_HF$GDZ
M#X]_\U)3L=%ZIF8UMFQKKL>H-==!F&D^GN_K;OS_`//764V]-RF>N-CI$N/?
MY_G+EOJ2[''7FT9`W,RZ+:"T@D.W"=A_S%L]<^IV5TRUV3BN>[#?JVQI/M_X
M._\`==_H[?\`"?\`&)*=3[5@4L+]S`!Y@+F>I]5.3D;F$_9ZR3X;CQ/]E#KP
MKK"&#=8]W`^D3\%T71_JH*G-RNHM#WM(<S'.K01QZW[_`/Q:2FET;IQP,>SK
M_46^^FMU]%+C!`#?8]\_1LO_`)JAO_";_P#"+A76/L<Y[R7/>2YSCJ23JXE=
MW_C`ZBZC`JZ<T^_-=ZEI_P"#K/M;_;O'_@*X-K"DI=@*,TD<%1:V/BGE)2?[
M1;L->X[)F$D&4DE/_]7S1,G47'P24II.Z1V3ZDB=5%2:-4E/0_42L6?6S#!'
MT=Y'QVKUJZY];:L:L@>L\UEQU($%[F:?1<[\W^0O*/\`%^TGZUX[A^8U[OE[
M1_WY>J=1NQJ;*V@-&5>_928/N>6NV,<Y@_M?\6DIJ4T8#+;VM8VG(+I:UH:"
M\'VET5_ROWE-^/;Z9>1H=`J?1NB4Y-[>HOON]:C>'V,L+`;#_/CTXVM^BMW(
M+,3&LOL>YU=#'6N+W3`8-_+OH_124^+_`%SRW9GUBR=9KQHQZXXBL>\_VK"]
M8XB->5*^YU]]E[M#:]UA'F\E_P#WY0'BDIEV@?BF/A,^*B2>WWI^&Z)*9=TD
MN_\`!))3_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``
M:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H
M`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B
M90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("
M`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__``!$(`'@`;`,!$0`"$0$#$0'_W0`$``[_Q`"````"`@(#`0$`
M```````````'"`8)!0H#!`L"``$!`````````````````````!```0,#`P(%
M`@0$`P0+`````0(#!!$%!B$2!P`Q05$3%`@B%6%Q(PF!D3(D0E)BP3,E%O"A
ML='Q@F,T-1<*$0$`````````````````````_]H`#`,!``(1`Q$`/P#71CQJ
M$5332@\^_P#/7H,O'AU(T(!2:#R\#Y#H,LS"T'Y?PI3R-/#H,DB#44"2:GR[
M^)!)UIT';1"K2B*D$4\=2?YFO_;T!WP/XR\M\@QTSK/C"K?:5(6M-VR*2Q8H
M4A+:@'?8(GK1,N:F:C>(S3Q14%5*CH&1MG[;G+L^VOW1[+./HD!E`6B1]TG2
M&UK!;6O<M,!&QI#:PM2SI3P.G08Z7^W#S&[CUVO>.9#Q]EDJU19TM6/6>XWI
M%]N#-MBNS'FK3'N%AA,SI1:944H"T@E.BNU002[8].M,J3;[I!E0)L5U;#\2
M5'<8D,O-D)6A;;J0H*"OP_+H(Q(M_P!)!32M>P[C\*?[.@CDR"4$T37N>WXB
MGD>QZ",R8_?Z::U(/X&@.O<]!&I\3=6B0"?'MIXC\>W01+V_Z^VFO>GT^?:O
MY]!__]#7WC0B::::'OW_``H-*4'09UF(*#Z>Q.GCY^.M.@S$>&I79/\`T'EX
MZ=`3L&XHR_/W)QQ^TNOP;7%<EW6ZOTBVFWMIVI:9?N#VR/[Z:\M+4>.DJ>?<
M4$H2=:!8YA_Q%MO$;T2Z3G%Y=R1'4],B05LIAVG&6VDR_2GR(CBO<.7..SL<
M2DN5:>%4CZ?4Z"3NYY>$W"V8OC*7_L=BCEO)LN8EEHVY$-TIFQ<?EHJVB0R^
M"VM+()?D.ABJ6?4;6$&N7RT?PG+(D&2U?KFER3&1$M<*ESD2)+CK#PD7<.OH
M88C1"I#KZ_2A18SCS2"XEQ;;*@-V-\B,Y:J)R/@<[()=RLQ=GSL89N(N%LMZ
M'Q(7+<F1@#<%0):TK]=D.DA)*'VEL;N@P?*V1<=Y[B]ZO$;B'&VKY%@7/+<Z
MQ3'Y\:+;;U9XD>>N;?H=ON#K5L3E$Z#975L%AIN\+,5UUHIC-N[0J(SW',0]
MW)R+C.[R<@P"9.5&AN7**_`R3%+FXAY]6(YO9IC,:XV+((B([A:$AEI-PCMF
M1'+C55`!#,AU20$@G7PIH:`4%?#H(3<(A%:@D5U/;MY_SZ")3&>]`:?CX_PK
MT$3]M_>5HFO?QK_5VI_U]!__T:'6(_:B172O\A4GR.G02*+!J!4>5!_$=AX#
MH&6^-_`-\YZY#A8E;1[6SP6%WK*;LM:6&+98HJT)<'N7DJ98FW.2XW%C%8*?
M7>2I0*$JZ"[;A[!N-^/,\O>0-6IJ'@W&=D3;./\`'8CS$QFU9?/82K)\Q<<<
M?F-,9?)3;C'9FA<@M^JV-ZD-MMMA&\ZY!QZ;<9MBN5Y@P8H;DS<C=:=;C+6U
M*=96JP1)R'&4M6\[FTR"T0J4]0C]+:TX"?Y]RI;;7!79L3M#D?&61ME/%F.V
MI<*&RH,.1H<:JK7%C/.)3^L$+"%)0E$;<D]`DG)^&(SVW75O#92U9GDDB,U]
MTDR6W+0BT16E29L9<*`8_OE,):W540VVXD(]0)2A*`5)KF29\452Y<)M3,=-
MR9-XF7=ZY2%W*5N]-<"$;E]S>F27_;N$)6EQ.YLJ$="$J40<NP?+;'H!P/E#
M$H&72XDB'='HF+SK;:G,.LUU`"+]&E6.5#M,9V8S%EMND/M.NRXKZCZSC:'2
MV`XQ7EZV\O.<FY;.Q#C>T6U+-TL&4HA3E6V/9FKS<+,]B\''LE<DO2W?M\AA
M+DA*W[Q:U3H+2DQ4[6Y+("C-L-EXI=5V^2ZQ-C.L,SK3=(BTNP+Q:I:2J'<H
M#[3CC3T>0E*DG8M00XA2":I/0"RXP*I-`=:BNGB1J"136O00&Y1"V3IX4\?.
MFOCKT$2]M_=5TKMV]OQKW[=^@__2I#@035)--0-#VUVDZZCH)G"MH(22#4>6
ME:^``_#H+2.`\H@\"<&O7&U6]UKDGD%M&5_?768$=K'[%"DW#'\>1(N$Z)+=
M1'N+%V5+;CI:<;E*DL+"5+0@H"SC!<6BJX=;C73VSMXO):>N4Y@AH.3%QU)<
M6W&8;9CG>ETA3@HLE6\#=2@#NR?#^R9M)F*O=X#3-Q<46Y9VO2=Y"U($@D,I
M=#'T%)[*7W&@Z`"9/^U<N%<UW''\\AW-A4Z2^W:KRY,5%<2MH!E$P-Q?4=CM
MM^IZB$*!=6O0H`6%A")?P'Y0MT>XVFW9[C./-RD1Q,FVNT%J2]'12L)MTI5)
MBQ/635*6GTK;4EM3:T*3N(!/)/VPN/KG$)S_`"167SQ5#?K0VPQ&/HI8;7;X
MRU(1'<;2NFY%7%E>Y:UJ*B0IF^8/PSR;XZ+FY;QZ^[F/'MM1NN-BO$J.[=(L
M#>X+C;UKB0FYLR%'0I+S;[CCCS+3;C2RII6WH`AP3R)E;$D9W9<BA8W'@AB&
M,<MM_8MWO]O]N[[UN$U&??$>(\OVS"8Y;WK7M2G>\2%GDK);9S)P9]R^\XID
M.8\47>V,W=W'[7=<?OD#'LS$AU^-DUGGR;DQ-$+)0AMBXLN1B\75%V,A3R'7
M@5NXPR"4J2*BI'?M_MIY=`/;O!-%*"2:5(`%::DBNHZ"!^W_`+KLK\J'O7_O
MZ#__TZ=;=`\2`HF@`I4#0#7\.@F!M<UR#+1;MK<]<.2F"XH)4E,Q3*A&40H;
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M%S95B%S2^BW-S7FF&'&7G2D-PV9"(1*`I00LQG%-&FQ2>@LF^"%_M=TY/Y-P
MN39[5:;+E?'V2-6)ZY7)R'..91`W-Q^,B5,EW&?=47&3"4A$%T.MEX)=:+2T
M[N@8.\6XIJ=I!3O(\O#PIWTUZ`97:("A8*:U"JBHU\CKT`X]J?N&W_5_#;6G
MG6OAT'__U*I[9"J4I"1X5IX#3PT[G\>@)-LMW^[HD]DC3\AIH!3H$(^;-K:Q
M3Y0<-9^\Q<X3&99%A[K'I3K+<8;S*)>/LJ4)T:T6VY>Z9:DR$2&[@N4^VXFJ
M'R@B@;6N%P9..8G8);CK:V9\&%*9CF:VGZ78S3BW/1WH?<2HTH4J2`*J.N@`
MP89R3C)=6B;,9W;TK:9:>)])7I$(9"4J24[M?IT53N.@+LW.[+]M"VG7926R
M'"RAY:"4%.T)-:+60#^=/QZ!5LZ^2?&.-3'VL@O[5M^E:4^DT[)JA*5C=(6P
MAV0VE"#W.I.NG0`B^<L8%DMH-]L[DZY16%>JV]*MERAQI3`VJ<5'DR6XS4A+
MNTI)2I9!()T.@5\<N7RQ9U#R&$"S-8=8N8>@AYMQA"'P8E'W1Z99JZI`%:$5
MI0TJ0U7>6^-[GQAR3=+%,CK$9^:[.L3KWUBX6MU]8B/(+7ZC9>"*4("M-1T%
MAGPOX:Y&POEO$LFNS#EA<L<U>3W*ROO-L3)5K@PYZ5LR):_7>CO)C..J+/TO
M#:$(]-3I<2#SWZ"E;KZDMAM*W'%!`U"`22$UH*[4FE>@#EYA^FI8`)!W'4>(
M)!\QT`X]J?N5:"FVE?\`SUIV\_&O?H/_U:W;/;J^F"`=!_XC3H"O9K5N*/I\
M!3P\/XU/01_F_P"--HYUP5FT*M34C,K)=+7>L&NJ74PYMOO$2XQ'5Q&Y^U13
M"ND=M;+S:ZM$J2N@<0A:0L6YKS+'K-=,"P[)\=RO*7LJBP<8PO&L)ND^PR\A
MN)J#)GWZ-,M0L<1I(;"W7'@ABJE%)3O*`63[)<,@<O=VXAXBYMX=N.-75$.8
MYE^56S*H<F:Y1*DOVBX3YT^[MJ?"FE>SG10@@J==0$TZ![^,E9G<>+[Q<,Z4
MNU9/;(2/N<`RF5JCOA90@H7#?DQW0M"@X$H<JD*`-"".@2'"/C]G>7\H7?D#
M*\DMS&.QKG"CX][VW(NBTNNR%+N-PEV.2IZ)(9CQE_H^KM]1YL56U_4H"!SO
M@/RCA7K*V,:^2^-YMQS):#>!X3D?'=G<NS*9#\=;-IGW+%;'BTE#,>(5M^H%
MK0E9!4'4$I2"<6?XWY_@S61WW+WG8RLBE%Q^)+EIFI>E2&DK;9C,J<0\E$=Q
M3R4AY82H/5V)+:006'EOXIL/978N1,K9&1,XJ];@ME@(3'8MEYMU[EKD/3F&
MWPY(C2K:VRTVHM!AQY`"$E>Y(8GA>!/#\%$B%-DR2RZP9<QZ0)<6WLW&7*"Y
MCJ"EPJ$>$PD@GZES$I<^E920,]]MNTK*4:T-?I_#O34=`$\D@`!:J:C=4T_#
MM2FA/0"KV_\`>TV^/:GX^?GT'__616RVTK*`$T%/`'4@BM3KT!TQFQE?I$I&
MH``(%0/XU&H_F.@8/&K&MMQAYI(0XRXVZA134!Q"DK0JA!!HH5Z`\6ES'<G]
MA:;\W6]VIHHA3VY.Q^VJC1_K]L&BIM]Y3"DA9U%4D5VJ`Z`R/\9V[[`;K>[[
M.NK41DR(\27+0U%*6JN!"JE+M-U2=A2%#70=`$;1<)5SL>>N0DI5':BB@C/_
M`*;:0X@)*FQ7>-Z$I-*Z4KWZ")<.<C8XPJ\1;^N5#M,.[1[*[+<MYD6UZ<^6
M'%B2ZXE3"&4(>;5N<(&\ZZTJ#A3;%A"[6W<[-9[5(N9;4XT\AE#B$*(!;$9M
M1=;C.!9&T)``'@!IT%87R7R:Y+N;C*$K8V.J3&:2MR*2YZB@ZP4I5^L%-[E4
MJ$J0"*T)!#YPKD#`\PXZROB[(;-&BW*]6F5;'4/(;9A7%M*$O6U]*"E+D:X6
MVX5<"V/I6$`@[C4`)1:\?7A>.-6A5ND7)MNXR[NB(T&Y%H$_V*(]OE$Q65+]
MVJ&I26PH^E[<J-?5!Z`*9#;J;_IJ:*!H/(5'AVZ`#9'"H'!3M4T`KX5U\Z5[
M4KT`8]K_`,2V?ZJTVZ=_/M2G0?_753&+9O6SN3I]/A74$`>/CT#,8C9-WI'T
MZ@'0^9[4&E.@8_&K`%)11!\OZ:@5T.FGGT$'DO#`^1LIF2Y#?I7`0$1&WTAI
M+:7[-%6?0JM24G:PH+6$Z[22"2>@#/+WRDO>27W'N*^/WV9^0376'[V0XM46
MSX]"D-"YO3`DH]-R0Q5IK5*EJ(I05(`"#]PC'^&I?(V(\G<8YU9;[<'IC,);
M=AN%QL%\AL%*HMSQV_6UAR*_&D^F#10:=0E7UH!!'0)>_P#,'D?E.,_BV"6-
M6-XQ?;R[)N"5Q)2K[=TNI(;BAY]$<6_?L0C>AM?X$=P%D-GY#Y0P#'K)=&/<
MWJS_`&ZW+OF+K?*K]8Y#D9OW<FT>HL?=K6P]N_MM9"$@EKU!1"0%',6:R<R3
M9+W;MTAGW3#SBD[*O,/A2%*!2DU4C<%#L*@$@C0@H?(&62<9OMLND!TK=M4I
MED_K[6PQ-*XZY"@`5%HA>TU"BI/<?5H#.<$1<)%MRNWV3E.!G&27&ZR<@NF/
M*88M4_&HLV9,>CPV+8]MN%RB11(,95P3OC/+8VH*=A2`R>4VHMJ<JF@U'\T^
M=*=^@7;*(&T.';_FKX=A3P[]`$?8_P#&/P_RTU_J[=O+3\N@_]`+X=;=Y9)!
MH=OD`.P[D>-?Y=`VF'V8;&0$FI2D@@:DZ:TZ!C[/%LUC@NW>_7*W66T0FO6F
MW.[3XULMT1H!/ZDJ;,=9C1VQ_F6L#H*Y_D?SOPER#G;=KXHY+LF62K?`@QLF
M78EOO6^#<&7[@Q$,.\.1D6VZ-N,D%:XKC[24MD%8*@D@IEKXZYJX_P`@RO/>
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MKX)*K<G(;%%<E['V5)CN')+7&;I;UA^J5NM?05)^E!J2`9V^^RND-,^WR&IL
M&2@N1I4<AQIT'R5V"DG0@T*3H:'H`G[/_BV[::UV]O\`53MV[>/0?__10ZZ?
M+K`\(C.IM-OE7^9&!2'9+R+5;-R4UWEU29$U20#6A903YC6@*7RI^YERZAAZ
M)C%ZMV),`[6V\;@(:F[==K;ETN+DN8E9J$@LJ;*E]@*4Z"LSE'Y4\BYU*4G)
M<FON0R%J+SSUYOD^Y46L?0TA,J4_Z89'>@%37MVZ`58/SOG6'YI;\@M$P.&(
M=TR*\5,Q)-N20[*1+4@[TA21N2157J;0`K^DAL+?$/YR\?<E0H6+Y!+3;)MQ
M9]E"=GNH9VRWV%I^UO5*DB<DD>D2H!Y(.TDD]`T.0P+YBF1P+TC`HW)&.NAI
MVVRHK3$F[V"4T\B2VA+KSL:1]L6\E"VRTI3C1';0+(3"[\M<BW>TN6CC_B&+
MCSKJ7O4E+C6N.[&F2&7$/R7;I.DRYC:EETFL9I3BAI0FM0ZV"8)D6!66Y9/F
MMQ1(OMQ6IRX3'`XEACZDI9A10X=Z(;"EKJLC<\L;B$@``*^_DK\E85_1=5VR
M?"7&M)E,!Q$QGT7I3*'XCS2&T.I5(0PIRJE`+2%$"E2*`AN4X2^U\1/D)S[F
M2ELLNG'.-.,6IJ2RN_9UEN66$YC(AJ+B_<-8W@,&6SL4-A?<<*%;F7``J"?F
MO*?$EQ:@L%LAROU)V)0AL`IIMV[`.@FMLRR\2KJU.D7*0MQ:HKJRPM;"G'&$
M--!UYQK:IQ\A@%2B"2HUU->@L3X.^5=RPF4J#=;C[FRSR$R8LZ.W)81M"6=2
MX\B0XL(2=`E9W=O/H'C_`/OWB7[-_P`X>S57T=__`+MW[=ZF[?O^V_\`R-*?
M^KZ?^G;KT'__TM1'.N5Y:-T=IQ:PI`-2NM4FHHW_`(]JD?T[@#VT\P72Y9)/
MN*WE/..)4M06NBW"D$#8VE(*E?2TCL22=.@BKBGBL%.YQ;AHF@*E**M-$ZDE
M5?XUZ#+/1'(H3:&5I=FN[7+N65!T;E*"F+>TXG^I+5?U*527>Q4$I/0$[$KB
MNS91@EI9OK6+*FY)9+9>+[,0I^':K==;C$C3ILZ,R6G7H]MAO%]20H+!;T(5
M0@-BWBKY87SX]W.Y\)?*`.VK(\3N2,;-_E%3\-Y;"THC//SG5EMQB0PV'HLP
MD(ELE"J[]P(-7*^;_"\1QDMWR-)CN-I0S*B_K^J'`=J/;A\O-TV@DFG<TJ2!
MT"2?*;YS?\ZVEW$>.F)327ZQ)%ZG->S1`94WZ>^$RE8?*U%8`*D'OWTKT"U?
M%#XI9G\I,PB6*2[<;/Q5B4Q%ZSS+?04ZH&0I+S6/6M4A"H<[)KXNBF6W-R&6
MO4?<2I*"A0=[]\7.<7X_L?Q_^(^`,1K18\6@RN1[[CT)!4B`A:9>,X.'9(J7
M+@\VY?7Y7J$O.N/H>7JX"H-?%RKQ"`3X"M:E6F@(`TH3T$NLT-*/2^DT&X55
MXG0I`\*BAIT$UCO*;6U0E)0X5"A([%9VFIJ`#73N>@R/OI'L-GKN>G[K?Z?^
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MO)7`N=?\JY3@%XLDM4KVL)$NQ*>9FN(6%>C:[C#$B!=-R2"AR&Z\VK0I41H`
M;'X^_M7Y?R;/AW[D5BX89AC+C3[D9Z*W%R&[@4)9C0WQMM;)0D@OOI6M)_I:
M4#N`7:63B;"N&,+C8OB-IM>,XQ8&'Y?MXC+<:(R0R%W"\7*4YK*F/-,%3\IY
M16H)U50``//@^7/,][^3WR/Y1Y;N$EUV+?LDEQ\<CN/*<1`Q.TK^V8U"8]3:
M4):M,=M:@``75K5W)Z`)Q;*`JKI&T*2*CZ>_<`J%-3Y5Z"4M,*;11EI*-A"F
M]%*>=(2H**=HJH!).E!6@_"H<K;BTK0I>[4D"@4DD&HJ*;12IKW'0<^YSTZT
M7_O_`.NIV5V4VU[5KKW[=!__U-'84^HBFM-@`[))J4IK^5!^5.@X5(V(4L_U
M'Z45\Z?6>U#0*I7\?/H,,H>JZ4)4$CON[TV:UH="=P)`KY=!DWW%25OJ6M3C
MBGZ)6\H+VH"@2-=H"EJ551`J::]!(HD72V,F@]1:4$DE(U>U)UTI0Z#4]N@]
M5WXVR(/'?QWX.N4:1;HL]?%6-P[/!F3H\'[U*BV5M;=FCH=6A<B2_P"D-B&P
M553V'0"_*,WMK.(\?\A<AW"%>W,DNS%_ORKS+1:ITBV!M;DEBS6>WQG5W"0F
MV*6F)$992I2$)IMIT$VAXO8>1VH5VXI=;FX7=DMR[/=XCN^'.MSD5N6W/CN@
M$KAN-O(VJ/\`45@=^@JK_>(RZ\?'KX6<YW6%),2^Y'CL;C*R/I51:YO($MO'
MKDJ,LD4D1,:DSI"2/J26=PU3T'GQQH7HK^GZ5[OJ-01M&JSJK^JA`'GVZ"1A
M3#FXMH>64)25U0E-5$;-=A!2@Z:$G7H/RG%.;4N/!M@$+4RTL;5*30!1#8#)
M4GQ[FAZ#KLK0XX%M*4MHT2TI7^,;RD5*J%0!TKYBO8@]!SU^FFO^^\M-]*4I
MVW5\>@__U='L)'?_`"I%`/`D':?'L/YGPZ#'7%X%*6VC3:=FE1IJ5?4?JJI7
MCIY=!B@*;3J`$^9&M34CS&GY=!W&$%:D^>Y1)[44%4)57LJ@_ET$N:"&I5KV
M'4/`J(-:*WJI6I*1HH5[=!ZQG#,RP8Q\8./&\J@-W2'CN(-VJ1;WK>S/7+3:
MT2&"E$%Y*VWE^UB%PI`)],*H#VZ"LW/;#B?RHRKCV)*O4VZ\8<@XS>+)Q=9K
M1<LJQ07*X0)SUDR^[2)<`VF8P_+AR@Q&0A]L)B>JI"-ZGBD+7^&OBIQYP/A-
M@P7#[AG#47'H,=^-!D\F\DS8$)"G75>TMT.1ECT>-:T2$N;65-J0I)(H4_2`
MUB?_`-3'++%AXWX!X,BD?<LMRN_<I7E&]D.LQ,7MQQ7'RMD;G0S.?R6X;5':
MG=$(%2-`TEUJ*/-2E4)I4U`5I150/"OGH#T':#BF=#11HDIKV":5``H=BB4U
M"N]*:@5Z#%NNNR7U)>#J&`452I.U4E1U/Y,CQ[E1KX5J&;]0^HPD)`27$)V%
C0K0)"PE(TT-1IY@=!R[OIV5^CU:[/\--U=M=W:GX]^@__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>46
<FILENAME>g655868g65j50.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g65j50.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0H84&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````&P```)@````&`&<`-@`U
M`&H`-0`P`````0`````````````````````````!``````````````"8````
M&P`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!WP````!````<````!0`
M``%0```:0```!V``&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``4`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#GNA=#S.N9WV3%AC6--N1>_P"C56/SRWZ5CWN]E5;/_/:)1]6NK7XG
M3,BJL&SK-KJ\*@F"6-8;G95S_HUU;&[]O\YZ7O\`^#6[_BP_Y2ZI_P"$V_\`
M5O6OT?\`H_U!_J7?^VEJ2FW_`(M<0X-/6L$O]1V+U!U+G@0'%E5+'.#?<M"_
MZ\=-Q.M5=%SL7*P\J]S6L?:VHU187,IL]6F^[]';8WT__/OIH'U(_IOUE_\`
M3O=_U-2R_KCT-_6<OKK:6EV7A8N!E8VWZ1<QW4?5K9^=^EIW[/\`AO224]OF
MYF/@XEV;DNV48['6VN\&L&YRROJ[];,;ZQ!UF#A9=>/62Q^1>VIC`\!K_2AM
M[[G/VO\`\'5L6)TCK8^MV'T?`<180/M76@(B,9P9C56-+2W9U',]+*V?]Q:+
MZE0^HE^55]1NKW8V55A9(OM=7EY'\U6XUT_I;)#O^H?_`,78DI]&27GN!UC.
MQ_K+T'&QLK-NP^H5/;E/S@X,R'-9O^UX=63^L8[-_N^A17_->G6I]*JZYU;Z
MP?6#I3^NYE-&"^MM3V"KU)<'/K]_I;*F,_PC**ZGY'^E24]^HO<6L<X-+R`2
M&B),?FMW%K5Y@WZS]??]3>E=1&?:W,;U+[#;8`S]+4YT_I@^M_Z2MC6L98W9
M_P`)O71]0SNI8G^,+I6!7F6G!ZA7;9=BNV%@<RJ_;Z9]/U6MW5,L_G?II*;6
M/]><"_I74^J?9,JNOI#_`$KZ'-:;B\!N]HKKLL;^C<_])^D_EJY=]9^GT]&Q
M.K6LN:SJ'I-Q,4LB^RRX33CMK<X,]5W_`!GI?\)L7#]/NR\?ZO\`UMRL+)LQ
M+\;J5EC;*MLGZ+/3?ZC7_HW;_P`SWHOU@&5E=-^I>7=F7FW+=A-=JP[;7,K>
M[.K<ZMS_`+9N?_A7V4_\"DI[?H?76]7^U,.)D85V%;Z%]62T#WQN_165/LJM
M9M_.8_\`Z"U%Y_D9_7NJ=7ZKTS#=G7MZ0RK&QG8M]&.X6N8[=U#J#K'8WVI]
MUM?MJJ9]E95ZGZMZJZWZMNZV>C8XZ\QK.IL#FW[2TAVUSFUV_H2ZO=;5L>_8
MDI__T,;I_I?8^I_L[]H>CZ#/VCZ?H>I]GW.^C'Z3T-W]+]+_``/\Y^A]17:?
MMWVWI/H?M#[1]B=^Q?3^S;/L_I6>K]F_P?VST-_J[_UCU/1_X!>;)))?=?\`
M%=]E_9G4/LWK_P!+_2_:MOJ;_3JW[MGYW[_J?I-ZL=,_;?\`SSSO5B/2I^U_
MS?I^A.5^S_1V_K'K^I]I]7U/_22\"220^X_5?[%]@Z]_S3_IGV]\^KL_FY_1
M?9OS/LNWU_L?K?\`"[UR^%Z'_,3K,?:/V-O;_.^EZGVS=C^CM]'_`+3[O1^U
M>I_UE>;))*?4+?VY^V/J[]L^W_M?8_Z?V:/0C_O+_P`!Z_V??Z_V_P#6/4]+
MU?\`M.MGZO?M'_G-]9?L>[[=M/VO?Z7I>MM=^S_LL?I/H_SGK?\`75XLDDI]
M(;]C_P#&_?M^T>C^T:_V9/I^M]J]WJ^KZ7M]#]S_``N]:!_YP?\`._HW[6^T
M_MOTK-FW[+Z?%W]'V_H?LOV;UOM?J_KOJ?S/_:=>3I)*?4\;UOV!]9H]7[+]
MJ/[3_F?4];>W[3]BV_H_2V[/YW_K/Z1&ZE]K_8_U3]3U/1W4?LG;Z._U(K^P
M?;?4_1[/0]/U/3_ZZO)DDE/J_7_MW_.\_P#-K[3^WO19^U_LNSTMVRK?Z?K?
MHOH>GZGK?H/5]'9^L^JMC]<_8]?_`#:^W^IM_3>I_/>MZMW[2^V>O^A_:'J_
MSG_LG^C]%>())*?_V3A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`
M(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O
M`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.
M061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!
M`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P/_P``1"``;`)@#`1$``A$!`Q$!_]T`!``3_\0`D@```@(#
M`0$`````````````"`D'"@`%!@$$`0$!`0$!`````````````````0(#!!``
M``4"`P<!!`8(!`<``````@,$!08!!Q05"``1$A,6%PD8)"49"B$B(S8G-S$R
M)F9VMSDZ-#55=T%1958XB+@1``(!!`,!``,!```````````!$3%!`C(A$D)1
M\&%Q(O_:``P#`0`"$0,1`#\`K6A"(8@@`$0QC%0(0AI40A"%7<$(0TWU$(5:
M[J4I^G;!Z`FY-HVU,1*\-MM/CQ:.5`OC=>/0Z2PZU29'BIJ>@GB<]=&R'9G*
M%4UA<36M/56K3K*DF-B?B$MHGJ6<$NDE5/EA>DB_EP;K77LU$8*K>IG8QNNB
M]7:P:E,>P01BLX!VK/GQ]D1)AC20UMIS,:G3FA,%CU9A)":AIQY0!P2HFQ?S
M^73_`*4UD/XSO7_-B5[:5#GGL'C-?(]H*MQ+9'`I[J\L!$)I$'A='Y1%Y!<J
M-MCVP/;8>),X-3JWJ5H%"-<C4`J`PL=*""*FZNUDSU;L%?#)G$KBQ*.3R!R-
MFE\+E[,WR*+RB.N"9U8W]C=4Q:MN=&MQ2&&IEB)8F-",`P"K2M*_\]A#G;L7
MBM58B%+[CWGN'$+7P-K4MZ)PELX?6^.L*58[+"D#:D,<'(\@C$KEAP0%ETK4
M8JUKNINI6M`2FA"5J->FBZ^LV;K;6;U063N;/G=.XJVN'PN?L#](%Z9H0GN3
MF>E;$"LU2<4@;TQAQM:!K0!8*BK]%-A6FJH+780S8#-@,V`S8`=K^ZN-,>EE
M&TK-1%]K96@S\I<?'D$VE;8U/DA(;.51R41^.B.&_OB=O&H*`>8D3'`)&<6`
M=:",!00J3=$:^4ZR=+\'L'%M4,RO1#HK82;H8XX1&X\A/6L[5(D\N3B61PMJ
M0KT1#XK7.J(L9X$H4N)"0488(L("S!!"',1R3G%)G$YU$(]/X;(V:30B61]M
ME4:E;,X)E["]QMX0%.C6^-KF08-*I;%S<>`XLT(J@$6*E=^[80#]@\F6@&57
M8;['QK5O9%]N<[/J:,,\=:YDA6IWB2K5%$:&/,\D(XXLZOBY?6B8A(G6F'G*
MA!(``1H@@J+#K`<VPAFP'__07KX4H^PR?RDZ/&B2,S6_M5;@/KG5M>4"5S05
M<6"WDR?F-=5(L*.(JK:'ML3K$QG#Q$J2"S`5H,`:TRJG;+5ERVU;2U+?F$-4
M+FL;&]6Y,V@>V1C.X*4:8]:U&+IE$4:TQM5FEC/0C6(QB*-J4(-3"ZU"+>&N
M[:W.?E?T#?QW-+45I/\`/L^E-C>6]KM1&N5I6O`$:8#JL:FJVTD6-C8J<`ET
M5J&]N5O"LT@D8ZEDF*CA`I01HZB?2OS_``-?Y=/^E-9#^,[U_P`V)7L5!GL#
M7Y^=)YVL*[.@6RD61H2+D3QKUME1!TH0A3.+I(+<Z>:W7A,16/1Y`SD["^3*
M*ITQU!"J62!68;2E!?3L8Q<21C\L;K.42ZT=R="=QERU-<"PCFZ3>VS8]U,3
MN(K8/[P6EE\8*1*0!6$G6]N(M$:>$[<,!<@**`&@4XJ!(9KF31_,#2^1:FFJ
M]]CX6]."2TV@&T<3U`Z@%3=3>@?;[WBD\=A%B;7.)U:;RE+%;N0O,G,I2@BS
M2E)0*[C`AJ`QCQ#^A%?+O/\`;VSOB6DMXI8-LBL;C<_OM<2YTMH@,&<7'8$W
M)%CF]NM4"<]Q<0,4891<```-,H45PEAK6NZI4&>Q*;AYSFLK3NNUHL^B/42\
MZ,T$TZ-,O;26V21/0QTDI4-S:EK!W`.E"=N.E1X$!1IYA1`E)@`#-+J+Z$DZ
M\Q/(4&HCRQV(L+I`MEK8;;<WQO'9>[#,A=V)YMI"T!R6)A<SVUM;B;J.<@?F
M1O@6*D3F%J#48E0C'$LPDH!M:!J)(6+;BX!CI\QO:85F62]\+T9:MI]!DR4%
M;K39DAM";3VC>5CR-I:8F^774)JQIQDRP`DYHRPA(2EU6D$@4&J*FE%)+TM(
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MZ?+16!ED.GUE38S%XM&;GH8%*FYK9'&X,@>32F^3JXCG-<`8R.11R%0(P/"8
M"@REBI/LX9U'E*U;LUE?#M8BQFF*QNHJW%M-0>F73P]1ZY3;%C'NTMO+4S](
MVO3G:.X=YR7HH9-U98S$B3+D^$-H[)7`\8C*445I0Z$Q4Y.6<YIR>/&D?H`T
MDZK=8.E:^-H'C0/&K-);=W`DMNEEL"=3=R'TAPFC*DL>9'Y4C+U#,:^:1LU\
M`-QJC3D&FF*5(RD*ERXW!7VEI.HT1W\S;#9VZ5CK?ZR=)-^]'T<U'$A.M/<R
MX[M;:31<VABIL2A!/$T*E#JYV]4H!O:$+HD6@$O9:K21KDY"<55`4F>LT<CK
M-J9/_]$"_!P((/*OH^&,00`!,)J(0A5H$(0AM+<"HA"%7=2@:4IOK6NV54[9
M:LM*Z;=7FG.X'FLU]WVC5U(PHLM:K1+'8Y+[J*5Q2*#IU-O)W"2Y<XM[ZH$!
M*Z,+<L,$04M)J).M,+J)*(XH91AEN8:?5*X(.AG5982%>.CS-7BEUPFF-PF]
MNJ'54W6H->*'H7N=O5W;6@K`H_'HX>6%[7OCN4\DFF)@D<:),$Y0IY)!!YI;
MZ5ISBOT-/^73_I360_C.]?\`-B5[%0F>Q,>LLPLKR8>'`1I@"PUFVN0N@C!!
M`&IAVDYY))+I45:4J,TT80AI^D0JTI3Z:[/A%3(KA^3J.R_P_>8&W.NRTK,H
M4VPOL\/%SG6,I1C;&U_<7(XMEU&VU,68<U$%1(0/A;ZE.,+-"B6O!!M"A52!
MWRC-K_6,#)-1%AIQ:'P*ZQ+@WK(.IJ3U44:]36H0U9S**VZ;W-NU;I<SPBA)
MP:&-:.W4+*;6>B`%:ITBI,HH3N`+:V,S.2BAQ_B5OY:W3/X![JWIO+$R;AVT
MB,IO4VRNWIY+<J23TN;R!A@C;`G,EU*4MM&R9N\J2MRJJ@D\L"96,0B3J4Y8
MRH,E.<`=ZFW.[]W_``3234$HNE9735IADCC$6RQ.@W3Y`(RTQIS*;]3+$S'H
MY]<V8*'2>3";HEK2[R=8A8P-P#52$2Y7S`T/))6*MHN3O.CR1?*<)4P3BA*"
MH1;,\TBA@*G%DJ->L>+(.,*I7C`4>-,8$`JTI052Q4IOX:[E@MPE;&IDYORP
M#V4:028731YJ&4T+,*`,%%!,UN8K)/H`0:AH<4K`$T(OU@F4H*E=]-^RQ/8G
MZ@5RSY7X50A5JD[5J^XAUI0X\EM0F3L(*"%6G$!&D,<W*E-]>$%3U%*?KC^F
M6->QN5\WYC'\K_'#PO#9R56DS3^PI3:KDP0*7Q#.;>MZQG3B$92ASFF7-R@D
M9`=YH3"1AK3>&NZV,^Q<]S_[4W3G_O*^?_6-]MI8U[9,GDH_MNM`G_JQ_*F=
M[6Q%NR9?)Y_;=://]FM`?\J8OL=!CNP"_*I63-WB`\*$D34>Z0ECBL:K(3&E
M><VA!)C+715?$:%KB=XD3V)H:7RJ(^E*C)X31!_X[2R*MLAC5XM&7B<OEI@C
M>J>_7D1UDWKLHS1\^5P_NEJ^#=&1-;H^(D6-B$:@\GCK^]HKEN*A.0@4LR4@
M+@-82$DP/V>\-X,SDG"7)8\CMV[0IF=.V`N3$T2B-,R,IY:9++6)#*HV!`SG
M+%">:-BQ>2X,;RWM[8H,7%*RR3"!)CZF4#RQ\-,PS__26=9/LEU\#\CON;='
M\D_B#]??E?,?U/W-_P"Z?W7S#;)WY/(/V2[>7K_([[LQ#[C_`!!^WGYB1C\Z
M_P!V?]'_`'BP6P<\&G7=DNUD7_\`'7[_`,[_`,=\0?M9]W;<_=?]_P#_`%[_
M`*=E&P<E[7P,Y!\-&SW3/0V4=67>Y';GN5TIQ]S9-S\#W;_;CG<[?S\3]GS>
M+D_9<.U1RSJ+(\F/;WXC.DWJ/ULYSW/N;R.=ZH.J^'@C>'^'OVK_`&#Q7'_G
M^(^MEV!YWU=^QFE1T_/H77ESZ6]-&@/J?LIA?5)9/*?7]WBZUSC+'#!]1]HO
M?&,Y'-ZNSKW%A/\`%?;8?8[$Q]'.?,'](^G]VZN[Z87*;>X7,^]_H@YO<WZ_
M>KLA[XZ\W;LIQ?V..RSA^GBV,85$S:/^U_PN=:F7YME>7SK-<+ZPOAT\.30#
M#=<=3_MAZ@,5R\ER7ZV;9%S_`&?G;0TZK\8F:T/0'I1OAGOIKZKR-=E'?SU,
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M"A8=V*Q7<^+]0\'Q`_27FV9S;#=R-_N;KOD\[*.E_<F=9MB/M<+LL3GL$;JJ
M[8_"7TA8SO7D763%E7?7U>^B/G]'R/%=I<A_$;].[H_.O9\LSG#_`$;]EB+9
MDG:QNVWPC-)^-]1W3V7VGRSOUZL?1GB>D*\SHSI_\3^D.#?VYS?V7(]W!];A
MV6"V81;OV]^!(ZXCIWHO(K/\_P!<GJ@]/6(Y;I@_1/E?X_\`'FG)Z>P_LN'W
MXKW?BMK8GHKM^)'I3UXV/SKTL8SN?#NE?4[WGZ2S/J$K=V^Z!]Q=R,+Q=.=9
M>Z,YP>_VC@VB-Y48_OS+87JR\>/Z>POJ7O%R>E,YYV:?#_TW8'N'TU[YZ:Y'
1/SK$>Y\FZDQ?VV#VK,8G_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>47
<FILENAME>g655868g65w11.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g65w11.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0L*4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````:@```%`````&`&<`-@`U
M`'<`,0`Q`````0`````````````````````````!``````````````!0````
M:@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"&X````!````4````&H`
M``#P``!C8```"%(`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!J`%`#`2(``A$!`Q$!_]T`!``%_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#E`U2#5(-1:,:V]X94TN=R?(>)24AVJUB]-R,B"(8P_G.\O`+9P.AT
MBKU[0+03[)D`D2):/]&B756@EE1@D0Y_9NOT&I*:E7U?Q3I;DD'O``_*5(_5
M_!#MCLA["?HD@$:H.9?;0UK*S)&GQC\Y\)L/J[<@^E?J6ZMMVZ`C]V4E-'*Z
M7EXUCF/83MUD=Q^\!])4RU=0<FZT#%]:7F?2+H)!`]G\EK%BY>/<YUECZO3?
M7_/-;JV2=N]O[GN_,24YKFJ!"L.:A.:DI__0YP-72X&'7B836.$9.6-1WVGA
MO\GVK"I:T/!>"6M!<X#N&`V.'#OI;%K],RSE9QL>#+2[G7D\>X-_ZE)3I9CK
MJ:V5,&C6@-'AV_ZE9.9D93&AAK<UA$2T>7=='[;'@D3Y%6@QKZP"T'R('\4E
M/#!UA$..QI').L1WA9V5C/<TMP6$QP(@?VEZ!;CXP_P;!'D%5N-;`0UH'P"2
MG@OVEFT5LQ\G>VUI@'02#]'W/_JHO3\JO<]EKH>/<TF2-I(WL=Q]-ZUOK!C8
M^3C/-C!N`]KNX7)8=Y:#2`-P,[CY)*=[+QVUEKZR'56C<P@[A_*;N_DN51S5
M8Q,JW-P7NM+764602!!AX[_O_00WM24__]'*J9K$Q((D>!!:1P[Z2K?5>_(=
MU*^AY!V#VM$0->VWVJ]6T@@C0CA/TGIYQNN69C9++JR7#P>"./ZR2GI&601)
M@CLKM;X'(*YK(S:R23EEC@8VMJ+QN_<=9*-@9F4Z[T+`3X/@CY.GZ+DE.S=8
MP\D2J61M,D$:+.ZI]MLR&T4@D$^\CL!XIK:,O%K;Z6+7:U[276FTAX/[KMVY
MO^:DIJ]3:VVI]8.A[_)<"]KZ;W,<-6F"%VK*LQSWV6-+:R-`>RR\WI).4,FP
M;0P<1()^DS<$E(_J^ZP,O81MKL9)TT)!&Q7+&J6%):>V]H+A&FD*=C4E/__2
MKU5J[1-9W?>5"FM6'T[J'@<[3^1)3/'Q:C/HPUKR7$$`^[]Y*UOI6M8';G$R
M3*JGJ->)22YT!HB50=U',K:S*=0ZYKG;BQGTVMCV^W\Y)3INM#,TM=WD\3H%
M>;5C6U[Q[NXU,+D<KZQ7WY!./4:B1&YXU$^2NX5N75C-?NAYDEKCHX?]]<DI
MN=4L+?:!`'9!WXE^%94YL6`3KS[==/\`J4#+R'7L#H@@Z@K/MN-=["#P8/P*
M2G0?34QC?3C@;BWB55M:CX+L9V.*J;?5<SZ6X0[7^3^ZHW,24__3LL-=;=UC
MFL:.7.(`_%!R/K'T;$:0;?6?^Y4-T_V]*_\`I+@,KJ5MKBYSRXGN3)5%][WR
M24E/:L-/4F>UT!T$=XA2R'=6Q"W9MRJS]+3:YH\6L_PC?ZJY+I_4,C#L`8Z0
M3);X+K\#J-/5:=N[T[V]Q_U34E,F]);D@7E[:['-W%C&.)F?!\*L.EOMS6?:
M;WAC?\"#J8[O<WZ/]5:@IZALV&_V^03-Q*\5C[GOW//+CRDIAG"JJ@-8`T=@
MN9S<HM998T$[!V[:[?\`JWL5KJ'5#=OVD[0=K?-5.K8KL#H;76^W(SK&C:>1
M4R;/^E9Z;DE.?C9[V70UQ:]A)I<#!_XO^J];.#UT9'Z/)`!C1_<_UF+E)@HU
M+RTR$E/_U/,C*=H`!=S'`\TBF:8,^&J2DC1L:7GGLN@^KG3+\WIMU^&/US%M
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ME>C_`.-G^:Z=SS;\/\$O.#RDI=,"3\$CRF:DI__9.$))300A``````!5````
M`0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8`
M``````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#
M`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`&H`4`,!$0`"$0$#
M$0'_W0`$``K_Q`"#```"`@,!``,````````````'"`D*!`4&`P`!"P$!````
M`````````````````!```00!`P(#!00'!@,)`````0(#!`4&$1('`"$Q$PA!
M(C(S%%%A%0EQ@2-C-38*\,%28C06<R0WD:'A0G)39688$0$`````````````
M````````_]H`#`,!``(1`Q$`/P"OK&@Z^*?'N#J/#V^SO[1^CH-TS`'CMU[#
M[@=/>/A]_09Z(7?73OX>'@/T']/0'[C'TV9[R8(LV*U"H,?E-RGT7ETXMMIZ
M/"?1'EK@0(R'I\YT/*V(`0E+BP0%=B0#J8I^7[Q=-(CY3S58Q)K8<^H;KZRB
MBLN/-AL?1M_664V3'E!U2DD.M^Z=-=-=.@W;GY??!D:P73VW,&8X[-?0PW62
MK*MQV5#4_*;W-KF)B^4\(C:D$.K24^4CWU``%)!`^5/2]RMQ;D%Q0W6,R9WX
M4U]:B=6,NNM6-26WGD75?!?;8MI%8&&E+=>#!;9`'F%.HU!:I%:-#[NO<_8?
M`>W37OKT'*SZY22=`--.P.FO@1KH!WZ#E)4?0D$`=O9]G;[.@__0@FCPBK0)
M'L'Z_N!/W=`1\)XZR;/;AF@Q:IDVUBMM<EY+*4ICPH+&U4JPL)2RF-7UL-"M
MSS[JD-MI[DZ=!*CP1Z'\3AXVSR'EK$+.H<B46,77*=G5M)?V46595SLVKKI#
M"7+'$''P@-2);1<F260$M,H2XT\'7YCB^6,RY=-BDUN'+L(K<2SR#WHU-BJ6
M)LADX_1,1'_IG+".)"VW'VSYC*=Z`\ISRFV`5;ES-<GP"%54N-S/JW8;S<1Y
MXMM._6NUS+:9%UD`@QE,RHR7U-DI=9>;C1&%L`+<5'\L,'A_U:U_)$E[$.0F
MFGIU8V)%7G)QPQJN!.@*:4\W4/353I,%@3-X*42U.PU+2H+0-S2P:&5R1F.8
M18'$KG(7G7<PWJ,%F9"]274J);Q:.4[C3;RVXR*>KQB18,-.JDR?**`LHCMZ
M../I",_EGC_+IUIFF0V_'S&'9#B[[+G(E9C3J)6(&5+GLUKF343*G$6..1["
MUF,"35R6BB*[)08[[S2U)8!7;"&"E0VGP/;Q^W[_`+.@X.QA%))T\3IH?'7_
M`+SJ->@__]&%^)6%02`D^`([=SN'CWT[]!-KP+P]0</\)UM/:QA&Y;YXK(ZI
MK'FR5R_]MV+4E^NIF),=,9^G2FCG,N26FBU)^J?U,AQHMH9!D.8++,,)Q_'\
M/IH2%1:7'XE511D1O(C5KKS+4!;K89+?TTMVKB%!6==I*PDA2BL`@'+V?<F4
MU?!II.)Y!64;\;Z8OXY%0T7W&H*4N/39#\12VX:F6E*2PRIAM33>UT.IVMI!
M:6IE[*CJB6<S\!K),);?U4V8?Q"+3O5K+3C4Z'`A*D,$1@MMMA"DNA3B4EQ#
M9"2"8<H<;VMC"FP.`\:LI345AQJO@*K5PJ54A4B*I<BVEL_\ZOS"M]U#86IY
M#FJSL=?+J`%J_4GS3@=%C''/*B<LI<QI9WT4-]UNLKV+*#8,(>JH4BXR6"\3
M$,ZG/T<AIQ;7E*=;DM..Z#H.^]/O*-$FQR.GS"R<8R**B1;ULB7(L;:G8QNV
MN*Z3D6,WSOU-:ZAW)<C7&,B:WH7XSDJ*Y&7#D".`*/*N!P<>F5%UCLJ%98;F
ME4UD&,SZNVCWL)MEU2FK*F%K':93(DT5FAR,X%MM/`)27$)42.@7ZS@CWO=U
M&FFNI'L_\.@__]*+?$X%>U;PY5O$DRZ>HBW>1W$6(MUEZ73X?CMMF%I7-RV:
MRY7"?M*^A=B,O&)(2T^^A1;4`1T$B?IHY:E\L<W3<FO8L]<VEF9&\RNV5,FO
MQW)TQCRZ^(_;5E+8US$")$*%MLP41T%PM^?)V@H"7-Q4+(+AF1)C1Y2"P@B-
M(;BJ2%'8?)"-ZDAMQ"AN("5*/<I!Z`_PZ>#;T$>/.IJ6<EI+FD:3!@24(WA.
M[W)@<6@:JTU&W4CP[=`"\JX^XZC+"3AN)LN,.EQ*/PJM0A;RO=6L`-$;W"H]
MP=3H-20!T`!RY_'JAB1'KZRHB`H6A+4*%$9U6/,&A\K:M*-YU!!T&NA!/00U
M_F`\;\?<F\<Y++R6@AKM*^$O\*LFTMHLZXN*\R0(\I3J4I4AZ*AS8YJRXII.
MX:I!Z"NWQ#G4BMC2L+CUM.;*#9ID"VG/M,$"N=3+C/,-25"$LMOPTJ[`N(!]
MIV;`E-XJY-R3GCA"_L\LE8Y9Y+QMR&F%93JN)'K;'Z#-X<Y^,F;Y<6%(R#SI
M>/G;(6UK%#19+A0IA"0XVU@>65C;V/<:_803H=/']'0?_]./[%:DN3%QA)>@
M?7U=]5.R(S"9+JXMW06=-/A(9767!5^*PISD501&=7M>.T:Z=`'/RPLYSVQ]
M1O*'']W+KY",=J6F:BKJU0$1*]ABVFJD-UL6D9@U34=Z1-6HNMQD[RKL5'<I
M069*2^;9D1@])\B3&+3;3.G9`20WJX5H2UYC8U*AHH%15H2!KT#.4%V&6`KZ
MV"^7&UN+64,*6$D+V^8L[P"4Z#L!]W0#3,LAJ75)#\^'YSBU;@DHCMI4-0I*
MG5*0VE2?N.H'VD#H%<SU4*0)<B/811Y`#B@B2U)4II?9)6T5M**E+[!01IKW
M]H/01=>IJNK,OQO)L;8G(^CEI?4Y/9.CC;PK'$)>0"GS!Y"IA4-O<$C0DZ=!
M47M(5SAF<7M/;,I1,KKB5$FL.,[PLLONH*=R7&9`86#X)6$J[:ZZ:]!*IZ`)
MF0PJCE*BE1G:G%,NQ'\6EK7"8;BV-K2W51*QECS4P5V/U#+BGDLE<HI4AQ:W
M-"4I4#)7]9H%Z)TT[CP\?[A^L=!__]1/<=KI#,B-*C*6S)CO-/L/-@A;3S*P
MXVZDZ=E-K2%#[.@V/I2X`<XK];F7<VU/XC.HN2.,[>3?1&V4*-3F%;;U*E&$
M\A+*#&M(3WG);4%.AU#Z]RDE(2#'Y]S313)$F2_ZBKG';"-9FJ=JL;X>LLZ@
MQLE4N,?]MVF6Q+=JO;LB)"$+CAS>@).[RU$I($?@CE[E*TRY6!9/6S7E@*<B
MY/\`A]O71GO)D(:_#K:-/C1$4=V\'$N"&''R6CN0M82L-@/_`%1KYFR7D&FX
M_P`*BRIL65+<.02JZ1Y`K84-$M^9)L%/^6PRTORT,H=6%Z+6E2DD`ZABY/A'
M+'$./43>*\!<;YU49!CDVVML\E\OW-9F%)*W`FJMDV46VK')P80"N/"$:"IX
MMI:>4G>IL$AJL:Y?M;G*,BR.DLJ7&+"(VJOK[':U(IG5EI+T94M$B9`=DR#%
M*@MAQT+;:*0A*G$CH$/YE]*4N;R?7\GY)7QZ6%CM4TKR7(8G0YMJU#FVN+R[
MBND(2S,KW'(Q4ZAQ9$EM!+J`A*FU@=^&%.NPK`MMN1',@I8$RT88KVF8)$)-
M.]'94Z%I$=Q#D\*0A*=5;%^ZE*=`'0W]9M#B=GM/?3[B1^GPZ#__U0_BN/%6
MQ12DDA)/Z^^W_P!0_P"SH&<P1#N,R$6:4QVVQM$A]\)U:8*%(64ZJ2I14'"`
M$A2B=-![>@,N!\8XM.^J3A+E=55UY<RLAL(,BKKY[$J]D%UJ5=A"X[+;5@X"
MI.XH\Q&FFX'H/F5PD8=EE+31K)^QL9EDS,?FO36RX5D*92IF+N6A@-H)22-V
MJO':`.@&4S+(M'S+,@6_GH<GO3Y#R_HW)I9@Q$^9+>D,L-N@^6%;.X.XG[=`
M0:.#BW&F54#-O$*+9M;29$1IB=/3#?W)6M*U,%]2FDC1(VD)"C[/BZ!`_5#D
MDJ#LJXL3Z-AEQI`C(0&BIUMIK:R$/MN,*)2I2T*2HJ2&U[2#MZ`;*M>*^0.&
M\MQ:SIWF,IKXR+7624*ER7L>2B;#5723K)`GM>=#DLE:]&GU%.B`"`&%QAF+
MT]55?[835.)=IXBK>14-^7%-CYLEY49U&QHF9$:D`.*`*2%IU45[]``>2UH`
M=&P]M=#H1WT]OAIT'__6V>'X_JEHEH]P-"!WTT[^`Z`U6^(+GX3DK#"7$/*H
M+1;*FTZ+#K<%UU.Q7?:M11H".X)U'?H!#,]1%'P]A[TJQLV&&:6O>C/2`5!Q
MY0;2^E0[I6MYQ:NY`*MQ3]AZ!4;/U$\QXS6X_P`N6W&&0<AU5MDC^1R,?Q-E
M$G-,4QP5\>/1`T,AY#]ZPX0MZ2VRI+L9;BM0Y[Q2"O<F_F&YKR!G]A-XTX^L
ML)G3*^3`-KEU.\S+A+GJ#DH1ZYR6I#,@>2``M2@G0[DI((Z!HN&\EY6Q7CFK
MN!>,Q;UYZ?/ET=Y8%J'D<%Z2B0VMAXG?3W,DO+V+*#%5^S:6$=G4!B<K\A6G
M(516VC<9]B7'GH^MBR2VEUEV.^(\N*Z4>826'5=E`E!.A!4D@D%`RK,W<;S:
MAG0GPX(]C&KI@4Z"A4&<O8LK86$=W.X&[4'V^)`!E^#Y_&UG@#&*X1R$]G5K
MC\=MZ]3<0D4N1-+EI:4W-_`RVA2:63I^PE,KEQ7E:[9+IU/0:W+*LH+H*/#7
M7W3IIM/]QZ#_US14/8[C5<FUR6ZI<<JFBD/6E]:0*:N:U2`D.S;%^/%1W.G=
M0U/0#O/_`,Q?T<<05TV',SH\C7/DN,_[;XZKW+Q4M#J/(4$Y#(5`Q,,KWZ*4
MB<M8&NB%::=!''42L/\`5!1N"KO7XC-NN':1%^;&F28$B*(LA,:2V4I8ER8K
MX*'DA*05>(T(Z#99[-]5_#<RG%&O%^:L5F/M"Y2:]_&\NQ:O6H-";68\U.EP
M<PJ(K2FRZ(;S4U`!(CJ1L<<#N('I0K^5HL#D&9D5)BV46]*Y=/T.)8+F4^V7
M:1[5:'(<JNOX\!$&R?C,$A+C`4M]P$!:`2Z`+8]+]UEG-%`OE+D[-H>/4S<<
M(XRA7+!L;9VK;0J3.RFSH1"9IJQ3J26X44.N%+J0^X@$I(.!SE#Q;$,'CU]1
M&BUK'E%<1G<I9!(+R&U>8M3CY(23W"E:`_:#T$&O-7*$BNJ,VR*`S+GIH84;
M1V/^V;A..3X])&FRU;76VHC&09+6C12O>UT\>W0)WQSSO<5&9.1ZRTL*F_H)
MT^3QW=U4UZ'*\[S'DRL3EJ1L1-JKY#BC';<(2W-0U[R4+>W!)/PAZZF>17&\
M;Y.AUU?-$8!C*&)$6-*G.:`%=EC+:G'8X!5W<9)4?_:TU/0?_]"IIRCZD\HR
MZPD3K#)+:S?D*=4[,L+"7/F/)+IW-F3+<<=VN*&B=/8"=?9T"KW.<7=P7WIE
M@^YYA5MU5L.A3L2E*04Z)0C1*1\(`T]G0'#T_P#J#Y"X1OHD>ALGY$:3)1.F
M5BW4J16R2$%IR,ET^6F9Y8)D-$A*@K:H!:5:!8TX']1>&>KK#VZY%R,7Y#JV
M4+:?C2([4E$B,X`W9UH(#CD9MT^4^RH!;7F!M:0"TL@T#&(^H%RH512>46/P
MM2G&E+A07FSH`AH.F,F>//\`-2M*E`J+8)';OIT&+6<347$=/D&9WM^Y:WLE
MAUZPM)SJ$271':><0@M#RF(%<VM?F;4I2WO&]>Y6TD(@O4#ZH'LX.0"JD2W:
MZ#8NT-&&G6@Y/>"`E$EL[D:,*>WI2?>21J3[-0`WJNXQG>GGT0U%CF+1K.4_
M4KR1C,-NEFEUNSJ^(\+BV&820_$=67VIMSFAIILIM2-S+/TB%;7`XV`AA7+4
MRZA:5$N!6X$:I4GW@=XT\3K[1T!&PRVDUCY=9U05;FU$[BI3;O=0*R%J05(/
M?3V=!__1HS.*<6K:LJ4H]R%=P!IV[]P-HZ#V@-,QFY-JZA+YA+0B!&40?,F+
M*RT^I'<+9BE&XI(T4I2?$;N@Z.N8-1`>MGW?+G.K+3#*S^T6ZL%4IX$ZZ^5K
MH=>^XC3H)A_RZ?3/G/.7IRY-S_A&*\.?.%N6WK41JMQ:[;*,(RO#:I<.E3$!
M+#L^IL\;L7HGNZR4S)$=TD%CR0+?_P"X/5!CD9JARW$VX5M%=,=5D&EPS*+:
MG&M\N-+3O`4>ZD`G:01J=>P#_E+GGG7F&J8H;2PE-UTP-!RJHXXC_4+=4DI9
M<7'94\I+I\0A2=0=`.YZ"0+T,_ETV%994_-7/-`B.NK\J?Q]QQ:QE*<9L4A1
M9RO,*R2V4QVJT.`P*]X%YU\!Y]*6VVTO!#%^=)S_`!N7O5LK`<?L?K\5X+IT
M84T4)0IEW,Y\DVF<S4/^\MQQ,DQ(#H)VARN.@!U)")^)"=D/)T:*R5'L$E9'
MMTT'@-/9T'?PV1&00M:`HI22D*2LZA"@I/NDZ*2$^![]QT'_TJ-;@T!6H:$E
M24]SKKJ=P)U]G8=!Y5LAMIXNN(6XW'*)C24[2/.;(\I+A7[JD`D'3VZ::=ST
M&T=D/65BPE82VS%:2&X[6_8VI;3CKA6>_FO+<(WD`#=KM&FA(6S?Z8'%IDR\
M]3>0LRI*FXB./5_AQD."O>>@R+MH.N1]Y9\]4:X=0'--X2?'H)]/6AZ&/3'S
MW96UC2T,S#N0X-<,CR[)<?CU=702;"R3)DQ6<@;GQ_PV3D4MU1>EOM.1GW$.
M-JD..E22@`WQ)^7CQ7P"W2Y>]4,YC=3JZ#;T%[8/UUDS&8E,M2&)5(S":3!B
ME86-KZ-[I2=`X0=.@Z#U-Y]3<$<*\D<MWL-MFLX]P3(\O,%W_ET6$JGK9$BL
MJ"XE.X.7%D&8J-/>4X\D#OT'YMDZ789-D=QDM^M<VWR.YG7-E,5JIR196DUZ
M=+>5N)45/27E*/B3K]O0;=$$,+4G:$>\=Y4-J@"=4#;H=I.FOP]N@]%^4H`,
M-K+;('F.'9H"I7O=]%+T3J""3VTZ#__3HT6+H"@TWW&W:%'[^RE>TC>HD^/M
MZ#!;6I(<;T]U:R!VU)U4!J=`->PZ#H*D+4ZM80CNAQ1*TDZ:H<!TVD'=[OC]
MO07(_P"E7:3*@>J&&ZH-BQ;J`PZD-J<0[#,/>4AU+K2U-B8A20I*AJ3NU&@Z
M"?[U'3K?C2MS%G#K)>79]G[V)XV;B;60C'QY#'XT6[S)(M56+J&H]6U7+0IP
ML1C+<T0#O9W`-MZ0.-?4*UC-[;<R,XEF57*R.3+P&0G);J`[5X[]2Y)10B`]
MADEQV%%EH4\EX/%)6XMIIMN,VTRV$7_]2%F=1QOZ')=$V(D:[YCY"PW"F8+,
MD!Y%+0+D9W>SV$;&')$2//QR!#=44)[3DZ@%6G0?G]`A)W:!&IT3VTVZC0D$
M;="K33[^_MZ#,0XA"?VG<ZJ4->ZDD*&FN_<C0D`@:'7MWUZ##;EN3'-H6IN.
ME3FXI5IYNTDJ::([H;'<$Z#7P'V]!__4HN2/B]OPI\?[?#T'T?F.>/QGP_XG
M_E_N_5T'0UGP*^+X1\GP\7/F_=]OW]!<M_I6?Y?]0OROX]"^#Y_\,K/A_<?X
M_P#-LZ"3KG#_`*P>J'YW_3_TV?\`%_G?,_Y=_P#L'^+]]Y_03M8-_(6`_#_`
M('^F^1_"D_-_>_;_`)MW05!?ZL;^6_1I_KOXGSC\K^#_`"N)OF__`"?^#]WK
MT%*A?S&O#Q;\?B^+V_V\=>@])/S5?(^-/C_I_B'C^Y^S_+KT&'`\6_D_(<^3
-\GX#_IOW?^']70?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>48
<FILENAME>g655868g78g63.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g78g63.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0R84&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````S0```5D````&`&<`-P`X
M`&<`-@`S`````0`````````````````````````!``````````````%9````
MS0`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"?L````!````<````$,`
M``%0``!7\```"=\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!#`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5))))33ONSV9#VU5UV5!K=H+MK@2?<]\G^;VJ#<CJ;0TW8[8<]K3
ML,D!Q8TNVZ^UGO\`<CW8.+>XNM9))!<02)VAS6M?M(W,][O8H8G2L##L-N/7
MLL+2USBYSB0Y[KW;O4<[=^EL>DI%5=UIS"+:*F/;LAP=+727^M[-VYC6L;7M
M]_\`A/\`@OTEFBZ][/TU0KND_HVNW`#\USGZ(CB2=C3!_./@/_)*AU'JN+T]
MH8ZQE.XEOJ6&&AT&SZ7[^QN_WI*;KCM&ZVP,'EH/\YRH=4S^BT8%]_4+2,6H
M-?<X>JZ`'-V$>CNL_G-G\VL]_4,)UA#\NIUH,$&QI=J=OT=W[RS_`*VD'ZK]
M2(U!I:0?+U*DE-[`^L/U3S'-JZ?UDTV[@&LMN>USIT]-M/5`_=N_X.O^HM@W
MY^*)R:QE4CF[':=X&NMF)+W6?^@S[+'_`/<5>#.`<"'`$'D'4+8^K_UJZQ]7
MK&_8[/6PYFS`M)],C\[T7>YV+9_+J_1_Z6FU)3[93=5?4VZEXLK>):]ID$*:
MPNF=1Q>JX;>N=#.XOTS,,PTN>T#U*K6?1JZA2W^;M^AD5^EOL^S?9LBG9HOJ
MR:67TNWUV#<UVHT\VN]S7?R7)*2))))*?__0]522224I1>\,87G@*2#E,%C6
M5F"'6-F1(]I]7_T6DIADVG'QR0?TCS`/\H\N_LK%OHMN@5VMKT<#OK;;)<(:
M_P#2_1<Q6NKNRGY;:\>2*J]SFB.7EW9WTO;4JS/MOY^.X^;8!_S244.5B.=E
M6B,ECW$!U+K<!@;+)-KZK?4]]WNWO_K_`*-/]:0]OU3Z@VQP>]M#0Y[6[`2'
MU>YM<N]/^IN6L,ECR1OUX+7&#I\5E_6[_P`2_4_^)'_GRM)3YM1T^W(Q;,IE
MM#14_8ZJRP,M,C=ZE=3OYRO\SV?GHC^D9#7A@OQ'@Q#VY%9$':?=^>S^<_/:
MJ+FAW(5K*ZA?E5FNZN@-+M[?3J:PM,N<[TGM]S6OW;7L_<07.M]5^KY'U9^L
M-7K/8<7)-=.<VNP65[+/YF_?475^IBOLWN_X'UZEZU4PXO4'UM'ZOE@VM'9M
MS8]8#_PPQWK>W_"59-O^&7@CF!S"PC1P(/S7L_1\\YWU8Z/U*YSO6'V?>Z9)
ML<1@7.?^]O\`5M20]"DDDDI__]'U5)#9?38[:RQKG"9:""=.4XMK+S6'`O:)
M<T$2`?$)*9H5Y`=4XZ`61/F6N8/^J1-S9VR-WA.J'>/4H)8`\P'L'8EI]2O7
M^LU)3B]9+:\^75ML%E;3[I$07M]I:JUK\:@![F4.;,$![N#Q]*'?FJU]9F.L
MPJ<ZAWM81O([UV1!W?R7[%CNIQ[*_M+<4;'R8.1]`3M:VS<WV[OHL14QLS:@
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MZ[G.LK_\+(*:^;C4VY-ALQ[P03Z=E#G#<7LK:ZQVW:UOI^GZ;/YS_P`$5<86
M,:F4?9\X,D-+BXSJ?4<;'N?OV_IG;O\`BOT:WTDE/__2[5W3['UN];I#+7.V
M"/7[->W:-SB?T=?OM9M_P'I4^G^8B9&$^\[W=+)VL#0S[26:[/3<&,J/I?0_
M0>K_`(3_`(O8MQ))3A/Z8UE;V5]-;Z=;FLKK;:9>QAL=NG>QC-WZ/^<_ZXBU
MT78UK;L;I8]1K#6UQO`(81O+-=_TGTT_]N?\:MA))30IWN8^G,I]*G(<]HK<
MX/'N+O8YS?S<AGZ3^0_U*?\`0KF^I85W1;'>QEF)8[=7=8P.(T_F;'_FO_\`
M/G^#_2KL;*V6,+'C<UVA!5:VLBMU&37]JQ7"'2W>Z/W;:_\`#?UF-W_R/\(D
MI\]H&/E7N&0^RH0?1;4SU#(UV.;]+^V@=2IIII<QCK#9$N;8PLAI#7-?[H^F
MXN;_`-;_`):ZS(^IN):?7Z5E.QS)(:?TC`>-K';F6U_]N6+,R_J=]8;:RPOI
MM(&UA-CM!.Z/=4BIY'4&1H1P0D7O.A<YQ<1#9+BYW#8;KOLU]JZC&_Q>=6L=
M^M9-&.S_`(,.M=]SACM:MSI71^B=(N/[.J?U+J39:;G$.],_1<U]P:W&Q/Y;
M&-^U_P#!W(*:WU8Z$SHF,>K=38?MUPV48XU<P/\`HT,;^=EW_P"$_P!'_-_Z
M:RSI,'&LJ:^[((=E9!WW%NH$:5T5D_X*AOM_X3])?_ADU&$[UAEY;A;D@0P#
M2NH'Z3:&'\YW^$N?^EL_X*K]`K:2E))))*?_T_54E\JI)*?JI)?*J22GZJ27
MRJDDI^G;=GVP[_3C:?YO=Z_;_1>[8H96_P"R_HOM<;F[?2V^IR/^Y'YG^D]3
M\Q?,J22GZ,S_`+-Z%T[_`%MS9_:/K_9>1]./U/9_46OA_P!%K_F^/\!_-_\`
M6U\N))*?JI)?*J22GZJ27RJDDI__V0`X0DE-!"$``````%4````!`0````\`
M00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(
M``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#
M`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`S0%9`P$1``(1`0,1`?_=``0`
M+/_$`*@``0`"`@(#`0$````````````'"`8)!0H#!`L"`0$!`0$!`0``````
M``````````$"`P00```&`@$#`@,$`PT%!0D```$"`P0%!@`'"!$2$R$4,14)
M02(6%U$C)&$R0I/3M#56=[<8.`IQ4D,E=3,T1-26@6)R4V,F-C<:$0$!``$#
M`P,#!0`"`P```````1$A,0)!41)A<0,B,E+P@:%"$]'AL<%R_]H`#`,!``(1
M`Q$`/P#O\8#`8#`8#`8#`8#`8#`8#`8#`8#`8'X4431(=550B2291,=10Q2$
M(4/43'.80*4H!]HX&#N-CU<%E&L6X>69ZF/0[.K1[J<,7I\?(Z9IFCD``1Z#
MY%R=/_8/2^-9\ITU>()^]2'3Y72$(U$X=2.K3/MFIP#[!/'0K>97*/VB!E""
M'P_=QB=S/+IQ?H(_9+OH+BR56(*`E$21=<?R1S%^[W%%>2FD2`(B(]!!+TZ!
MZ#ZXT['U=XBG9NI]L7*+G8^J;GD:+8I6A7"N1&P(ZO12KVJ3LS&KLX&8:P!%
M&S:7^42+DKT2+KE^\W`J9TSG`Y;F8LP8N9<M;G$#A)]3;0?'ZF45SS]IS*U0
M<QLB3GJQL7CI%;XA)2:L^S[[<)&>':">S-:[+FRWJ0L!)8SB264>,RNS('1[
MR`4F'2V6[+.G??5CI9@<KP/`CD!',S)F7CX69WQQIM$JW()P428J3++D?6V\
MDL'8/<LLBW*/</3H!2BU/I]7KJ\\-KZX\@<E>`?*K6+%'N66NNGX^H\L]>-X
M]'J#J3>KZ2FY+:,8R;@4RAA=U%`Q$""H<"%Z=:F.U6!T=S5XH<DG2T5I7?6N
MKK9FAUDY"ADFR0&S(@[<#"L6<U?:4X384'X^PP#[R,0#J0X?$A@`66;Q:'"&
M`P&`P&`P&`P&`P&`P&`P&!__T._Q@,!@,!@,!@:%"K[/A9*8W&NFYBH%A]4&
M0HKO:\3R5VZ]V0I37',<*`76C7C@\@X;5MEJ%BCW1*NX9A872K&#=JRK./</
MV+9F:-^GHE#>7.G8S/CO!V!2!UP[E;VQY[,IB'[[U$![3BY=[A4:R,4YK6P8
M.TQJJY(1H2<60?%5]TL8&YF?>0A28UJ,M@;[WHEJ+F7KZF[`@Z::NU/ZIVW5
MKU>T;#8I]U&ZMW/-4JN4S7C]C>ZDZIC*F1D\!UY0HO`AE7$,"#<4Q425&)HF
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MR^ZE=17%U"M:?8M`[1W,ZK"6NFFZ&R;?8<>_U>4OG4GE&I8*PL%SM#+D$[H8
MF,L-^HY>M\5W8LA#:YVBWJ-2_P`(ESLY:X6+M`.5;VRY)\>*VPLJDW!7ZOHI
MF;-K.@@0/8'72CQDFY5O^9%49B8<Y;^6?*6I[$E^.T?$UO8VQB\C$M8Q6Q:3
MKVO0Q5:8YXK0W(H[%O0-G<B:)57.P4Y:0=-&ICVPJ*L$Q7<^R7<M3@X&)NV"
M<<=BVS:^E:)?;U"P$!<)IE)H6*,JUCJMKKQ9.#GI6O.'L5+TJX["K1&LL,5[
MOV2$[+GBS+BR6=KKMU3C4NZ7)68BX-FI(2[]K',TN@&<.E2I$$P_O4TP$>Y5
M8X^A2%`3F'T`!'&,[);)NPL+%:K(/;4X8L3%GZ=++:T7"`K)B(?K8JN$%*0=
M%,0>XAW)VI!_0.:Q)O6<V[1Y4M>1KQ1-U;)"2N;P@E4`LTJ4D,DJ'=U,UKK,
M$(E,H@;_`(B:QO3]]DSV/'OJSMNV;M$2-VC=%J@F'1-!NDFBB0/T$33*4A0_
MV!D:>;`8#`8#`8%<][<1>,O)EHBWWKI'7VQ7C,R1XFRRT&BTO->70.DH@[JN
MP888V\U-\@=$@D7C9%JL02!T,'0,++9M53S<3^8/'84GW#KEA*;#IS$5#AQP
MYON9C:U75;"4J2,72N1$2F&\Z"W8M4_&T2E#6UDD8"=42IE,0\7,N\9)0_J+
MTB,MD-J3F#KVT\)-TS3D(V"BMOOHU_IC8TET$WBT_P`C(;IK&Z'5*)!)'O%H
M>>[U2D-'`?J&5,=M6QC"&`P&`P&`P&`P&`P&`P&!_]'O\8#`8#`8#`8%(*U/
M<+)/>4^\I^DV3_=,-LB5J-FVG7.'&RG/R_9!5$!G@E]^1FFCU-%ZBI($%[)*
MSWMT_((K+A]X0+JEFWZLXM:]1O.VKCJG2=</.`NML6^/M;4Y.4L0V!<D2Z&T
MS"4$I*V!6;<20-U`<&7.Y,MV&`W=T$:LQMNB=(7YBUB[UIO55TC&,_+6ME'6
MW7E1L;%G:9]99Q.V5JTF(AXW;S\TX<J'=O"%!PY.H8RAS"81$F;W97'T2D1,
MH6;BZ;58V:(K(KDEX^O1#.4(M+LH.,EEBR#=FF[*K*1U8C6[@P'ZKH1S8A^X
MJ"0$"INPN".K-B;!IEND)B6B:O1Y#53V`UK#5752$!!,=-3$#8*=3*;9G&OG
M.Q=?ZS>3%7CEYBN0LPRBI+VGC%))%U()O"Y6^DJK6)ETL^EZY`RKUQ`RE57>
M24/'OG2]8FU&JTU7%G#INJJI`RZK%$SIF81;N#(D%0AA(7H1BM.TWJ'7;"(B
MM?ZJUO18N`EI">@HVG4:L5AA"3LM%'@I2:B&<)%L6\;+24(H9FX<HE(LLU,*
M1S"F/;@>]:=7:SO,O!V"[:[HMQGJPTF&%:F[348"PR]>8V$T8>?90<E+1[MY
M$M)P\*S%XFW.F1R+1$5`-XB=H>K;M0ZGO\;.PU[UAKN[1%HD8Z8LT5;J56K)
M&V*6B&#>+B92=8S,8]:R\C%QC1)LW7<%45002(F0Q2%``#TTYAE$(M*%JRO1
M'97VC6&0;1K5")H])CV2!&S*..G&I)-4BLD$RIHQS,H&(0G;^K`N7'=FWI-W
M,1%);(/$YNQ/%;18R=3)2,@0H,XP3]HF2@HH!.TBTBB7T.4#+CZ]R@]1QGI-
MEQUN[.,BOR<Y$B&44.5-,A1,<YS`0A"@'43&,80*4H!\1'`BBQ;KH->,=$)0
MTTZ)W`+>#3*]*!@^`&>&41C_`-]Z#T5,8/T9J<;6;SXSJAN7Y+RB@F+`UIBT
M*'4"K2KI=\<P?8;V[0&!4A#]'D4#]W[,UX3K6+\EZ1'[W>NRG@CXYINP(;KU
M(RBXX`Z=>H`"CENZ7+TZ?8?K^G+XSLGGR[H#Y$;UV[6=";RM,!?)R)L%>U!L
MR>A)-D=NDXC9B)I<W(1K]J`-Q2369O6Y%"?=[0,4/3%DQ=#CRMY3-ZNC9%_6
MB^J/$.1=M.9FTU512,CVRB52FVW8<2F$09S5:D&8*@)`Z'!/O*'4`$`$>O#-
M>SQX]EG]>?ZC_P"J525TE+%LO6FVD4CE,+/8>G:8P053+W?J55=6M-:OC$,`
M@`F!8%!Z`/=UZB+-/#BV?:,_U7SPJC-AR6XG-5DC'3^86S1EU5;J(I]P`K[/
M7M^1=%<G[1$Q>^SI!U#M'X]P7+-X=JWP\6OK/?3MY:*1T11]]PU$O,CXB):X
MW4D35]L,[7-VHQT<ZG'`TVSR:H@/1O#2TBKT#U`,99O&SHVG966%[#UQ0-M4
MZ<U[M"EUC8-&LK0S&?J5QA(^PU^6:B('*F]BY1NY:+&25*!TSB7O24*4Y!*8
MH"`V:V5^./)_A"<T]PDL$AO?CVP.9U+\'-RW!9>;JT44"$4:\4=X611U)U3V
M:)0,WJEK<OH$_:<C5W'F4#(UF7?=</C+RST[RNK$O-:TDY:-L].D$H#:.I;W
M#NJ=M_3]M%,QEJILN@RO9+UZ33425*BN`+1[\$3J,W#A(HGRI9A9?"&`P&`P
M&`P&`P&`P&!__]+O\8#`8#`8#`8%(>/''2Q4V_;OV#<)?8\`[LW)+:%[JU79
M;*=J4&<J%@:Q+2%FG]+AY9W"`J_*DJ<R+M--V15(IU$RF`O4MK6G,\7^2-^X
MZ:NU/>>.%FEE=$?3WJ.A;0TMUAU#98?9>Z]>;$XTR[L]%CAV!+N)Q&7@=42[
MV+E91O'%5]P1!4R#DYT@BYF=^K.MH:'Y0V:B+Z<HNB[O'HQ'(/G1MN,M:=QU
M57J4&O=[<2>9E/TC6(A!78[*P(2C?8&\*_"+Q_RU)O!O&!W"AR1Y&SU0:;Y>
M+<7!2ZQ5BC8;6FKK&SIB7'O6E4TZGJ&,T`T<:5WRVN6QK+M6^_BK:B[Z7UA>
M;%-6>&L3B_5YG+2TPZBUBO2N732-1D"RQO5RL&`P/R<Y$R&44,4A"%,<YSF`
MI"$*`F,8QC"`%*4`ZB(^@!@1>>0D]AJ*-8)VYB*4F=1![8FW5&2L:B9O&LRK
MYSE`S.,*8!*H]Z"900$B0=`$^:VWW9^[;[4A143&PC!O&1+-!@Q:D[$6Z!>T
MA?M,<QA$3JJJ&]3G.)CG,(B81$1',[M28TCD,""[WO2NU@R\="%)8IE/N3/X
M5>V*9JAU`0<O"=PN5$Q^*:/7U`2F.0V:G&W=B\Y-MU2[3L&VW%0WSN674:]P
MF3C6W[+&I>O4H`T2$"*F)]AU144#_>SI)(YWE;NPO*R8#`@GE)_EEY%_V$[=
M_N_L.2[7V:X_=Q]WSAL\SWF`P&!M/X2?6.YQ\&7$9#439;C8^IF1FZ*VEMNK
M2-PI",>B4B0-:HY6?(66@F1;@;Q$AWK5D*H@==LX`.P;EF\9?=W:/IW?6XXF
M<^AB:*,@;1_(1VD1,VG+])MA)9'@%3\H:SN7A8Q%V`QS_<9"1E,B4IS^R%(@
MJC<N=XV>S<IE94AY.\+H;=%EA-Y:EN+[CWRZH4<JQH&_ZC'MW:\E$]Z;@VNM
MQU8YVT;MS4LFN@7SQ$D85&A_U[%9LMU,<LN-.CB>+?,27V#<Y?C)R6J$=I#F
M=0H0LW8M=M9!S(T;;-+24*S;[LX_6AZ@W+;]<SC@IA<,3&-,UMV"C*13[TBN
M%A9UFR^F$,!@,!@,!@,!@,!@?__3[_&`P&`P&`P&`P&`P&`P&`$>GJ/H`>HB
M/V8$6'46V2]6:HG42U^P7,B[<I',FI<GS=3M68(*!VG)76BI!*LH7_O1P$A1
M[`,.:V]V?N_^4H)))H)IHHID111(1)))(A4TTDTR@0B:9"`!2$(4```````#
M,M/4DY./AF+F3E':+%@S3%5PZ7-VIIDZ@`?I,8YS"!2E*`F,80``$1`,;FVZ
MD^RMUREK,O$5\SB(KOWDU#`;Q2,L3X"+I1,>K9H8/0$"&^\`CY!-U[2])QQO
MNX\N>=)L@G-L&`P&`P()Y2?Y9>1?]A.W?[O[#DNU]FN/W<?=\X;/,]Y@,!@,
M#S-G+AFX0=M%UFKMJLDY:NFRIT'#9P@<JJ"Z"Z1BJ(K(J%`Q3%$#%,`"`]<#
MMM?26_U$5AI;NM<=OJ`V*0M5+<'9PM*Y,2!EY"UU%0QBMVL;N53JH[M=9,42
M@6P%`\JR.43/@>HJF<LM2N?+AUCNMQ,M%3T5&SD')1\U"34>SEH>8B7C:1BI
M:*D6R;R/DHV09J+-'\>_:+$5162.=-5,X&*(E$!RN:N'*7BO2^4-/B8^2EIC
M7VT*!,%N.D-YTL$&VQM,[!:(G38V6LO50`C^+>$,+:8A70FC9N..HV<D$!(H
MF67"*N(7*.[WJQ7'C)R=@8K7_,+33%*0M$1%%6;T[=NLE7A8JN<C=-G<&4!Y
M0K8\#P2#`%57E;F048/`(/@,J+.LV7TPA@,!@,!@,!@,!@?_U._Q@,!@,!@,
M!@,!@,!@,!@1K97+FU2QZ)%+*H,4D47%UE$#B0[:.<?>0K[50OJ61FD@'R&Z
MAXFO4?43`&:FFK-U^F)":-&S!JW9,T$VS1HBFW;-TB@1-%%(@$33(4/@4A2@
M&9:>&3DF,.P=RDDY3:,&*)W#IPIU[4TB!ZCT*`F.8P]`*4H"8QA```1$`QN;
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M\[=58)JU@I!Y39-!\W"13:`*#MHFJ*;IV@W42Y+QLRM7FF$$\I/\LO(O^PG;
MO]W]AR7:^S7'[N/N^<-GF>\P&`P&`P&!V6_H?_6LE^*$]6^*?)ZPN)7C!8I1
M*-H]WEW1EG?'^9E770GF=.#&,IJ60?+]SYN8P!#*',\0Z)>Y15LK'+CG6;N_
M0T=M7[5L^8N6[UD];HNV;QHLFY:NVKE,JS=RV<(F.BNW71.!R'((E,40$!$!
MS3DIES.XMRF^*[5-B:CGFFN>6.@Y%_=N.&U5$CBWC+"LS%M.:\NZ;<2+3>I=
MJ1)31-@CS"8AFZI7!"BLW3ZEEQ[,SXB\FXCE-J<EQ-7W=!V349Z6UOO/4<NX
M*XL&H=R5%0C*Z4:46*FB#]HV>"#F,?E(1*3BG#=T4I/**9!9BK180P&`P&`P
M&`P&!__5[_&`P&`P&`P&`P&`P&`P,7MU@/78@SAJA[R6?+HQ<%'A\7TP]$4V
MB0^H=$$Q`551ZAVI$,/7+)E+<3U>2J5XE;B$V9UO>2+A560FI(P?K9.7>&\K
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MC/I:;G-F,&`2!V$NDC(.;!5Y>R&21\)7[8PCVSQUEZ'G9++-5A*%Q*TCK*P5
M&R4N#L<.[I5:J-9B8U*_7@]7=DH>OT-55&?L%0/8!JUDM\'KML2)1E7S1=[[
M8B8F.*B*!T]8D9O/E9BK*964$\I/\LO(O^PG;O\`=_8<EVOLUQ^[C[OG#9YG
MO,!@,!@,!@,#NL?Z<;ZJ+JWL&'T^=]V/W%@@(Q=QQDM4NZ`74S7(IHN\E]//
M'*P@=9[6(]L=[`B83F/'$<-.I"M&B9]2N?/CUCMYY7-JJY6-5N%_(.N_4!JK
M=1#3U["J::Y[0#!,X-$Z8K((PVHN4BS5%0@'F-&3,E\KGG`).%EJ?)JG$"EC
M2'+&IK,-J2:B:R::R*A%4E2%4253,4Z:B9R@8BB9RB)3D.40$!`1`0'*R_>`
MP&`P&`P&`P/_UN_Q@,!@,!@,!@,!@,!@,"-XOK:+K(39^BD-3A<0$'Z=2.)U
M<B?XAD0ZB'<+$@%9D'H(`/EZ?;FMICK69K<](DC,M(1WC>AJM:^4QZWCFK$5
M5JD8@]%&D:!>U^[`0`>Q10#@BF/H/4YC%'J3-<9FYZ,<[B8ZJ(YU<3`U$ZA^
MG';=>.-33\I/:Z?776)N'[-E:F"4U\W8P.B8>R0NU(>!DUX9!ZQ9[$932:!4
M2BDF];I]CSM*4A<Q..W[.M^27.^+G^7!:M^FSL/6LCK*1:36FQF:K&<85K#;
MTHJ>&?<SFA=;[`UY*LT00AXU[.P$XE8XMRD9:1CUS$C2H&*GXT50GC=%OR2Y
MWZ_RQ.K_`$OMF1$C#3TM):/E7L;9(F?^0GBT6T`RE7^B=IZDO-I@RUO5%2C8
MZ?>6FS0%G:C\K,^=O(='YA).'K1*3</"G^D]4I/OIPW9ZR6A8_;3"I08\>F,
M''MH%H_5-#<I%=/UK0-@VVS3.@P(-=DM25GY:)"'0D5323Q0QBB<,OCZ]$_T
MG;K_`!NX\WT\=JI5S2"$=>J&PL.KKY=K>S2,S:O*=16UPN&OK*:)J---KA"C
M3$0S3I:X@VC8.D/4'K[S,9%BD19!R\;H?Z3-TW;?<VY()Y2?Y9>1?]A.W?[O
M[#DNU]FN/W<?=\X;/,]Y@,!@,!@,!@931[M;-:W.I[#H<](5:[4:QPUMJ-DB
ME01DH&R5Z0;RL++,5#%.0KEA(-4U2=Q3%$2]#`(=0P/J>?3DYH5KGMQ(UER$
MA@9,;'),CU?:=:9&,*=1VK6D6K>WPA"'.JJE'NE%T9*.`YC*&BI!J<_0YC`&
MXX<IBX7"N5/K&PJC:*%=81C9*==:],U2UUZ33%:.G*Y88YQ$S40^2`Q#':2,
M<[424`!`>TX]!`?7"*`?3JM%GI,'M?@_LR8?3FQ>$]GBJ+7+)+K`O*;#XU7!
MBYGN-FP7:_H1Q(_@IJK7),2=X$EJZY[SB<PY(UR[]VR/*R8#`8#`8#`8'__7
M[_&`P&`P&`P&`P&`P&!'&U;JMK^G/+.D$?V-7#5HNI(NRM$4/F1QCV2R1S@)
M%ERRCEN`)"'ZTHB4.@B`A9,W#/*V3,<Q0F)XZH03-5@]C5TF11=MY'V_O3O5
MC&7?.W`-W#HA5'SM4ZP@8W>'?T,!3=0!=ZLVC+A$``1$0```1$1'H``'Q$1^
MP`R*UP[+M9KC<965(H)V":HL(D!-U*6-9F,F@<@?P0='$RXAZ]#*B&=I,1PY
M7-M8%E9,!@:VN9TL^_.70%:K4WO2N6>6EH:0=W6H+[=_*;6U0A+S`RT_*35?
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MP[#'U.C4C?6N++;+-*G43C8*!B;&R=2,H^.DFJH1LT;IF.<2E,(`'PRQ.6LK
M<\VVY]*G?-)X_P`ELI]0H"1=U7>FSIO1MP-LNJZPU%N;9FV-)N=QU@LAK298
M3S2!EZ]`6B9H1$UEFK6,=I-?;.))FT9N&C..4RJ9%[DXNP.X/HUV6AS&K:O2
M-`\@9!3;\^Q^>M[O"5RM\\)2[URT;85EFC!>5CU-)*Q,LUD2,$%SJKR")TT4
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MYW,Z::S-=SMY;9@["<**ZE*?=X;1K]A/,T!@XC=W)@E`GB%XDH11Q!%O)("+
MU`U,YUV:QLBNS%_IEN9"^GN6%DXK6>6.C0^3D,JXJ[9TX$K&,W#0XU_,1*J`
M*D,BS/;*@E(L%1*9,SQVWCTA[S%2*%C'.:9=^G-.361RW3+H#EOQ#YC,DR-*
MS;)T>$7(=V4J@$&B[MET)+15LEES`#)C'T+?L>TCS.EC%\3>VKAU[3")2S66
M-F^$,!@,!@,!@,#_T._Q@,!@,!@,!@,!@,!@4AYAZKJFZ)O0.M)Q*4,^M.Q9
M(573"9D67RRF5VJ3,_<'2#`KA2$4D7)FK%HDY<-%SHBXZ$$.[M-OA;/*L\IG
M$7+A(T\-#1$0I(R$P>*C&$:>6EU$5I64.Q:I-32,FLV0:MU9!Z*7E6,FDF0R
MAA$I2AT`,-(JY`;!:ZUU=8)YQY3+O/;P#!)`Q2KJNIE06RHH&.8A05:QX+KA
MZA_V6:XS/*1GE<<:UK1&PJI,=I$I,C-<W_AI(`9J=1^!05.86IS"/P`JAAZY
MVQ7!FA3`8`,40,4P`8IBB`@8!#J`@(>@@(9!_<!@,!@,!@,"">4G^67D7_83
MMW^[^PY+M?9KC]W'W?.&SS/>8#`MMPJU76=R[K2H=EUQ.;.*_J=C?Q40SV+&
MZDIU>=0Y&LG+[`V_LF2B9D*AJ2@T]M)RLLZ02!P)FR*9#=#B4Q*V*TKB!]/V
MPU39-VAK;LVY42G;\VC:%;3*R>P*'*,.#FO]Q:?UNAL.M-@X\S>O]H6Y)K=W
M#F41:V&.DTFKQ$S>*4?H#%K71+>2NO+?A9`:_P!71FY]"U^9LVL7R)-BV>Y/
M[*W;I4^DV5CIJ%JM>B:3;0K&T):&+9-EQDZ,XYA1%&K[&I!)$&+^1,DX++W:
MOLBF`P)`U-LNT:8VCKK;M)>&87#6%WJ]^K+L#&*5&<J4TRG(T5>P0$[<[IB4
MJI!]#IB8H@("(8-WURM3;(KVY-6:UV[4E16JNTJ%4-B5M4QBF.>"NE?C['%"
MH)>A?+[&2)W?#H;KFWGV1)S/T<;DEQ3WYI)KW$G;WK6PM*6\(J*"L1L:);!8
M=:3Z"P*H"DXKNP(B-?)F[R=#MP^\7X@67%E<AQ#W<7DCQ>T)O0Q`1D-G:LI]
MGL#,$0;#%VYS$-D;E"G;AZ(*PEK0>-#D].PZ(A]F"S%L6,PA@,!@,!@,#__1
M[_&`P&`P&`P&`P&`P&!6IR4+!RXC4U.Q=MK+0SZ00+W$/[.;VG=T8\5`*`B=
M)P,-KA0H@(!U37`?@(9K^OO6?[?LLKF6FN+Z@-E,5IKNG)*#VKN9BROTNOH!
MFJ3>+B5.G7U$0>/0]0#IT].O4>G7XIO7+Y+M&M'.SFYF+L4Y"F`T7*.V@`/7
MQ$5$[<P_I.U5[VQQ_P#B*.3`DZ)W))H=B<Q&MGQ`$`,X:&%FX[?M,9,P+(*'
M_<`$PR>/82;$['J<MVE^8!'+F_X$H4&G0?AT]P)CLQ]?@`*=?W,F*,X3435(
M51(Y%$S@!B*)F*<ARC\#%,41*8!_2&0?O`8#`8$$\I/\LO(O^PG;O]W]AR7:
M^S7'[N/N^<-GF>\P&!)6K-S[AT98G5OTEM?96G;8^AW->>VC5EZM&OK$\@'C
MQA(.X-U-U*4B))Q#NG\4U74;'5%$ZS9(YBB9,@@-W+V+D1R`M];M=.MN\]Q6
MBH7RWJ[!O-5L6S;K-UNYWY=5)9:[VN#DIMS&6*WK+($.:3>)+/3&(414Z@&#
M$[/#,;\W=8*W::=-[9V%)U&[2<3,6VKN[9-*5ZPR,$S@XZ'<RD*+SY<Z^7,:
MO%))$,GXRDB&`=O["U\(Q$28#`8#`^DY_I\=RJ;>^EYI1D]=G>S.GIR^Z:EE
ME%#*&(G6K&XGJLT#O44.F1A0[5$H%*(@`%3#M`"]`S4V<><QR;K\K+6U]-4_
MX4J_*[0`"1%GQTYO\B:?6(_O[E&-!V?-QG)"E(@!RE6%LUC-UF:)F-U`PM#`
M4>TH`!;TOHV2X0P&`P&`P&!__]+O\8#`8#`8#`8#`8#`8%;M9&!YR%Y.OA-W
M'CQTM4__`!`"FE&T=]:2)_K5#("'DO!S=4BE_?\`WNH^N:OV\69]W)9',M-1
M/-9Z$SO>*AU%#@A&UFMQ)RIG#J07\C(R*RA2B*A2+&2DB^HE`1`I>H"`!U[_
M`!_:X\_NPQ&SZ4K'XEN%4J0/$G57D&\623D]D5VRD55D-EUF@L',C#5ZB,',
M.N3YLH=PP7<E63$X&!010,BXLY7$M2\9KACC+CO/24NQC&-KK#IM(I/@;S"#
M2X*1I'T?9U:DY9/!+5A<L`3EDPZN%TTVQDC`)%#GZ$%Y3L>-[O&CQVM3HC)%
MI/5A:7<HP;MU"F6F$G,9'SDW(5]*0=O#0XQ:C=M(1QQ4*@NJOXOO%3'T`SRG
M['C>[BX_419:.44AYZ.F3+6ZL0+"=8%LIHXS2<KENG5A4K@TTUC7<(!6A*=1
M,0!$Q1*"2Q%/,C?+&Z8]>KE+E09G4-9B91*Q.3S,C;)*/[XIVK\@=P/X-HML
MA'A&#V/:/"2"I+8H5P5<!*42%*4OW1.=+FWLMXXC@(G<4RV$I)=DUDTP]!51
MZL77Z!,/851L?I\>@)DZ_IQXLI-BMFU.3["*/3QBYO\`A22?@(`^G7]J(95H
M!>OP$QRB(?9DQ1GJ2R+A,JR"J:R1PZD52.51,X?I*<@B4P?[!R#R8$$\I/\`
M++R+_L)V[_=_8<EVOLUQ^[C[OG#9YGO,!@,!@,!@,!@,#O%?Z4&[+O\`CWRQ
MUP98YFU4W+2KLDW%7JFDOL"D+03A8J/G,"9UT]:)%,;Q$[P3`.X_;T)J.7/>
M.V#E8:Y>._D@OJ*?4>K!P*@A:*KPKW*T3,X:B9ZYGM=;'U%*O46R9S.0*W0T
M@P15,IT'_L_N@42&4=UNW%L:PA@,!@,!@,#_T^_Q@,!@,!@,!@,!@,!@5KTB
MY6=[0Y4JKF`QR[@KS8H@4"_J6>GM<,VY>A0`.I4$"@(_$1#J/KFN6W'V2;\O
M=93,JTX\E8>7N'*B?KD)[=.67/4V<<HX7!L@"Q*?#20+++F*8J()^0WKT$.A
M0SOPN.$M<>6O/"*7;#8\2I+VV*LS6?<6>T1S"6DJM(?-W,Q9G$A^-F9#))-"
MJK.DY:%(['L)Z+%)Z#UZ9K3:LZ[Y>E'67<C(!28.[>T2;NI,#B6/>%19/F,L
M6=EW!Q%F8K5]$2KP'*JOHLT.KUZD`_J^GT,\G/2[;=<.9G*+RTWXGTC\A3F8
MP[P$F3NHW1XBR3<NVS-%:*,UM::J[7N\:IC?>`.OW03Q7ZG)JM=[&=,7J4](
M/9"8?-5XYNU<B=5T\83UDU0S0(U.T2:LD0<KR#3P*@B@9JY/WE$#F#'TGU=T
M>W9SM!P9S"7<+&L6M+^Z70DV:Y48XQTH^L(O3*BW(4K5="%;,T51-XCE0(0@
MCT`,3QZ)<]4;9I#`Y*.F)6)4\L9(.V)A'J;VRZB9#B'_`,U,IO&J'[A@$,FX
MDF(V_/-.U.5;-99(.@"H`>R=C^Z*B)#-C=`^SQ`(_IR>(Q/D;M>H2?'#?4:X
M?!#R<MI;:,9',Y,R2/OY%_2)QHS9LURJ'256<N5B$(!NP3&,`=,SRXW%PO&_
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M2G,<RAQL:1@'X`!!Z_$,OC9O&.=EQBNXSAAKHJ)$V'U9-\MVL6J!)WZ?W%V:
ME94ACB@62C>0?*Z&:-URF`Q2N'T:!?'VB0.QD8>T1$1"=6OZ_NS?G[)6UAIF
MCM:6]M+:7L?)3C+4G#.G[)M>HIF?A;1NJG0LY5_S#I+UA9:W'V.,=J-'*S90
M#>!4P"`@(@-2=5:=V;BO_$.N0LE#T*60MB6DN76VFM=V9R=W_O>)&:UNUT0U
M@F<E-6JYJ%DX.7+-]W@<,W!X4Y5E(T6ZCZ0,ZBR9ZLSM?*_?%$L]YT]/S6HI
M;:$%MG7M5K$]3M%;IM*ULJUYTK<-J.(ZMZ&JVR[+89RXUM]3%4G;]]<H"`1A
MU5'RRR+ANC'/QB;H.KWU#N1MRUSL;9\+`Z9AH?0_'/7V\-AP<Y4+C(36PI*1
MY&<N-+VZN5-W#[9")ULWD8+BZ+]@NX/;0C'LIX5!DT4P6$8B2MQ\J]RM],;Y
MVP\?:1AM;0]SY5:@J&KI"P;1UGOB2EN.\OL2K)3<%L2H;"BWM@F;BYU3)6`D
M-#,*^^CJ<[3DTY58S15%P,(QY0\Z-NPQ-H4^LOX):EW,G-K3=4N-%U[M2HR5
M!N&@^-?(S819^#W]8[C`Q5[O->N&BW47*L:U4O80$LHL@$ZHYC/VX2)5_,;8
M7]?+G_ZHF_\`SV&L3L__U._Q@,!@,!@,!@,!@,!@5QU*IX-V\J(WL;I@-UUI
M/)E2,'E%.6T]3XXZBR10`">1Y7UA`?B<W<(YJ[<69OR6.S+349R-L1]><K5[
MF2/*^.Q:UN6(T3=`Q.[,%:1BBF.[!L[%%1,R'H/C/]T@!_L[\)GAAQY7'/*(
M:EOF;KY?),,5;3(K3[F6>2LC(HB[49/*5,4E9DV*]B9-NB]18S!E$'"I'"1#
M)@11NJF8Q1MXQF<G+K<@@<L+Q'NJJY63O3V,=2"Q;&BQ59EK3.$;54C-O%5R
M/BDSH'AQ&4,#8"RI%"E$B!DB'QX[:KY;Z.1=\D$G"KMX2G.TWZ\M>'J1%+:*
MT,1C>[S^,G[=Q$?AU/W4E'@0C=L[!9,"'+YC(F,"9$WAZGEZ./6Y#*'`AD:F
M"*J4@C()G-/&.4#H;AF=L%3,4L0B8Q3#+?+Q$#`/1/S?PO$5X>OZQ@\O1Z6P
M]IQ-AH#"OQ/G&4E[')R\V=PHNZ>15:;RLS,5FGNYA5E&)S9FDY:I-VHHBW21
M`HMB^ID^A$F+Z%NF%>LVRXN2FXB')WR<DS9!TZ@5=<A53A_]-'J*RH^GP*41
MP(UEMPPC8#$B6;N45#J!55/V%J/Z#`90JCDW0?L%(O\`MR^*(REMH6N3[B).
MDHI`WIXXY/Q*=/LZNE3*N2F_2)#$`?T9K$%,-W71>7CYV%0=K.$4(Z1&3='6
M.J=V[(U6'P"H8QC'2:G_`'W4?O*_9]T!&7:MR=6M/.;1@,!@,!@,!@,!@=H/
M_3C1JI&7+V8.FD*+EUHJ-;*_=%<JK)+;KIZG\.XB1BR#<?CT.(?^[G/Y.C7'
MJ[-V<FVO#6CU2?\`JC<MG")F0MJ%PYX7TI\5)<QW0/K!M#E_=6?G1[1*F<&C
MLXF#J'1,4C=![Q$)U:_K/=;K<5IU32ZDTLFWT(QW7HRV5!>`9O*D_O<LZV`6
MP,34).ET^$A;%9K!?$[,5NI$HQ+%S)E=D*HW*!B=Q:DST8S7Y707)J-F)/\`
M"]?OWX46L>LK'$;-U;)0]KJ9K)%UB<L](LE+VG58:WUIM:H(\*_<L7C%!&48
MF9.!*JB*!\&L9-<]%Z7V(=XM>M4Z]M;J1EH6>?OINHP;Z2>35=C7L+!2KB36
M9&?K2$5!2;I@BJ903DCW:[4!\"RJ9R9KQ1&@]%5^!FJM`Z6U+"5BR5Y"HV*N
M1&N:=&P,]5&T_<+6VK$U$,H9&/E*\WM.PI^2(R734;$D)R0<`0%GCDZA<WN]
M.2XYZ`FK39KO-:4U9,VVYQ;Z$MM@EZ'6923LD3*LXR.EV$TX?QK@9%O,QT&Q
M;O05[O>-V#5);O(W1*09KCWG%WC9(V28N,GH+3DK:;`XL3N8GI;6]1E)-\ZN
M,.]K]R<J.9")<G(XN4').&DP<G::5;KJ)NA6*<P",WND/\N=>_U#IG_I>$_\
MC@S>[__5[_&`P&`P&`P&`P&`P&!6VO&&#Y7;+C!$?%?=,:WMK<#"IVB\I=GN
MM6E?$4513*8K2=CO*($`3`9,.H=OKK^L]V?[7V62S+35!SXA#M=D5*>`HE0F
M*<##K]X0.[A9>047-ZB(`(-I9`.@=`].OQ$<[?%M8X_)-95$\ZL+,:SO55CJ
MK1XFQ&A&A(+<<3-."@PZNUH\T+-$_$,RHFBX7D$(F1=H%`O0Q2(HE*1,3"<3
MXLMMQV:ETGNR\=HU\TG)0DR]K\W%A5JB_M]D<+/I`]LN<.SJR"@>!;P'M(FG
MHQL59P=,RB;,)!PF)S*]^3Q7,ZJL;<DZ;5;;)E)>VEB3<]DDZDU735V^</WX
M"Z?=XQRKHC]45U!.91'N`!4[3??*;-\<V;,W&=U>9;<D8AWIP\<Y?'#J!5W9
MBLV_7[#%3+YEU"_N""8YOQ[LHREMDVR5[R?,/ER!_P#@1A/:]`_0#GJ=Y\/C
M^LZ?N9<08,HHHJ<RBISJ*'$3'44,8YSF'XF,8PB8PC^D<H_&!'M_M80+#V3-
M3I+2"9@2$HAW-&P]2*.A^T#F'J5/X?>ZC_!Z#%DRJO/#UA)D1]1&*D1$1^W]
MD6R7:MJ99S4P&`P&`P&`P&`P.X5_I]*0O"<3]F79R0R9[SNR4;,0$#]JT14Z
MG5V2+HAA4$@]\Q(OTA`"`(>'U,;J`%Y?)O&^.S?/G-IK?X?!^+N7_P!3G;#<
M#*1)MX:2X_Q+I04N]0=%<>*3,V)L4"JK*`W97/;TF0@@)4A,)NA2J^8,G=J[
M<4\\P:HK<-2M8T=86_:4>TOE+F9ACK*Y/*)MZFL(B4]XELO44['RD"_-?*'*
M)MGR31"09KO6)'2"8KG.5FYJ3=2FLP')BLRNL+M(QN^]GZEU7S&+<XY[=H&E
MQW)6UZ5G.%6Z-2R#F]5FH)T\;[!U+>6PH=..^:L$;0:.CSN7#=R1DS=.(NG[
MHUUKIG<#.20L&_..VW=EV.P-"JZ#8(7:.CY/0MP4Y><A=@6EY-7^!N$@AJE\
M]U[;:8]<3\<J\/+0<8K")^X!`D>\&7C?:%W<.F;=3J7IG9\)R4"LR*'(3>WX
MK2B([?1#<C=6VV^P%?:?CF':;;G-P:?AK`G6'[U]$C2HMR$"5Y%%?.62(S,^
MB.;YQHW2[I!EJGK?8LG!-;9NN3U/K>>T[7HW4320G->Z+BJVQB=$U/=M(V)Q
MM6M-XK4VM6+K%V.!?T:3^=2:B+-"?34,7,6BU;JO=T'SA9['?ZOF"1MHF[`M
MLR=MJ:[U]1ZN[T>P:13J@\@*WL:,0VWK9?8\&QAFVO+56)&0AG;AQ/-UF16J
M2CLFF&V_*R__UN_Q@,!@,!@,!@,!@,!@5GVN<:MO3CG>P$R#":D+UIF=<$$`
M\I+Q!-[35T'`=!$R06:@)ID]2@"CCUZB)0S4UG*,W>59C,M*.<[ZD:6UI`6M
M%+O7J%B!%P?M']3$V-$K-R?N`!Z=TJS8EZ#T`>[X]0`!Z?'=;'/Y)IEIVE;7
M783N+)2S1!4O7JV(<7#H!#[!;-P57+U'])0#.^+7)A[B^S;]@YDJG1[',QC4
M%P7FS1C\\6V,V3!5P98[%NX3`B"0@<_>LD)2CU'H&7$ZW40K+;!M<OWE5E%6
MB!_3V\<'LDP`?B7R)#[DY1^T#J&S6(C##&$PB8PB8QA$QC&$1$PB/41$1]1$
M1RC^8#`8'#SLRU@(QQ).QZE2+VHI`/0[AP8!\+=/X_>4$/4>@]I0$?@&":JH
MRDF[F'[F1>G[W#E03FZ=>Q,OP313`1$2I)$`"E#]`?IS+HQJ=_H.9_Z5(_S1
M;%VHIGG-3`8#`8#`8#`8#`^@C]-S4:NDN#_'2CO&BC*76H#2Z3[9=,R;QO.;
M&=N[[(LGQ3@!RNXM6Q^T,4?WG@`H>A0SARN>5KI-HNA+2L=!14G-S#Q&/B8:
M/>2LH_<F[&[&.CVRCMZ\7/T'M1;-D3',/V%*.95KW^E=&/WG$&O[BG&ZS>R<
MJMD;DY938+D42.=MOW9=DO%)*5%0ZAD$6FLGL&W3(`]A$T2E)T(!0!%Y;X;&
M,(8#`8#`8#`__]?O\8#`8#`8#`8#`8#`8$%<DZQ*6;3EK4KI0&VU$(O8U-.!
M1%8MIUW*L[C$H-Q`!$JTDK#BSZ^G4C@P=0`>H7C<6=DNWJE"F6J+O-1K%TA%
M/+$6N`B;#&F$Q3&!G+L4'R":O8(E!9(BX%4+\2G`0'U#%F+A9K,L?V[06^TM
M8WO7KA4&_P"+*S*1#5V;N$&$FLV,>(D>A1`PC'2B:*X`'Q%/ICC<65+,RQU&
M96,D(63D8:6:JLI2)?O(R29+@`+M)!@X4:O&JP`)@!5NX2,0W01#J&>UYEP*
M3?Z-_AVAZ*\N=0A+1&6?:DB\C+0^WM%+"QM,)1VD*O$_E;7)6L3JKA>"=%40
MFE/"D)$P[0366ZXLOGG&FG9J68Q_REEB[X\6=^[<4\^IDE*OHRWN[.\G=:6%
MO7QVFV=T!$^PF\<K!OWCJE/C+J)QT6@S,Z8G0>*&CP2=%2-GZIOG=?IUVV8U
M)W'AR:$FTHBMQI7KBY%7,9VQL+9X<`L53<(3E7:_@V830HJ4*UE$U(IU+1[C
MQN.PS)TJ**S:X^337H?0]F-V!Q5>VQ.0EH6AQL>HXVA#F,RI4RP9Q]?'8M;>
MZ]E6T:M0KM%/9I:DED4@%S%K.#)'%)5PQ<>%=-CGCJ9XHGOL[QQ4THTA*1%(
MJWQ%^F!)-VVE8NT@\0M%@5?S#]'\-OHA6N2U3<,D6[0+(X.V63#JT(HFHX=:
MDY>6;LE\<:;JD**$2(=50Y4TTR&444.(%(0A`$QSF,/0"E*4.HB/P#-LJPW>
MTGLDF((&,6+9"=)DGZAY1Z]%'ARCT'O7Z?=`?4I``.G7NZQN3#"LBN*G?Z#F
M?^E2/\T6Q=J(3X^ZWC-Q;WTUJ::FQK</LO:%%HLK.D\?GBH^U6:-A7CQF"R:
MK<\@DW>F]L54/$9?L`XE()C!SNDM5:=SQWU_LZ(EK[7=>[6XSZXUO7-@3-^L
M5X.]VP2T-*ILK7.M(QK08)K!4R4?7F'L&RF;>U(F=EBV`=%RF:_]W4SG&F]5
MFP?35DV$RWJUCW;4X>SEL'(!"4;A"=E?84SCDU2>W2V_BBQ6.KL47DFA(,P8
MQK\D<=%194)%=@5LJ<'EZ&/5A>F>+]$8<F-T:@VU.U*XUS4VJ=G7A"RQ=QDX
MJCRSBL5AE9*Y*R5DIS&SRK.&.T?)F?I,T7JS<_D2`%#)]16W$L,:W+((#A##
M;L2VI=M<WVC5&N5EG<I&F0L0[LMIJEO9:HU96-A;$"J7388:_MUF?LF\N<JK
M9A!R2D>]^X^]DR59.W+RQT,9<B]^G;!!.[!J\/R$9R4_3-Q[BT1&MG6KYJ-9
MV'86EM?3&P+,DJ^_$SWY-`J(0BK--V*;@PN#IF*D=(3G(\O0P]VS_3WBUF02
MD3L^+K4O+5B1=T^D'J\]+MIZ4H'![3O,"Z+/K4M-&^1)2D/L)RU2[FZX$?I$
M*F3VZ@BW>7I^LF'IA].)%!=@PE=\U^*D&%Y-KV_?,*@K#P5:L:6B9G>QD(:X
MV:U5ZHS;-U%1[>,;OI)[`QGO70*N'39GXG"SR]#'JHAN/6,QIG:%UUA/>Y-)
M4Z:5C#KNF1(]9ZU.DB\C9$&R+V3:`C)QCI%PD=N[=M%4U2G0<+HF(L?4N9E$
MP<(N/[CD]RGTUISVRCB$L-N9O[H8@G(#>A5L#V"Z*"N0!!NLO7HU=!N8W0!=
M+)%^)@R<KB6DF:^B&0A$B$22(1--,A2)ID*!"$(0`*0A"%`"E(4H=``/0`SS
MNK7K]3RWSK'BK-Z;HSY9CM+EW;ZAQ%UHJV\H.&LKO&0/7[E8`5;F!RT1I.IT
M;%.JN"!U0)&"81(`"<JKQWSV7II]4@Z'4JM1ZPR)'5JFUR$JE>CTP*";"#KL
M8UB(EDF!"D(!&K!FF0.@`'0OH`81D>`P&`P&`P&!_]#OJJ7"I(V5O3%;37$K
M@[9'DFM44FXPEE<QR95#*/V\$9T$HLR3*D83*E2$@`4>H^@X'.G<MTED&ZBZ
M*;ASY?;('5(19QX2@=;P)&,!U?$0>INT![0]1P/-@,#'(VX5*8FYFM1%IKDK
M8ZYX?Q#7XV;C'TW!>X#JW^<Q35TJ_B_.'J3SID[OLZX&1X#`\*SENV\7N%T4
M/.L1LAYE2)>9PKU\2"7>8OD64[1[2AU,/3T#`\V!X3N6Z:Z+4ZZ)'+@BRC=N
M=4A5UTV_B!PHBB)@45(@*Q.\2@(%[R]>G4,#S8#`J[Q],%!L.S./KOM;I4*<
M5N.N41[R@YU/L%Z]EXINR\Q2G<HU"RC(1*ABB8J1$4"CZ&*)M<M<5F=8M%F6
MG7K^I;HQ37VWDMGPS`4JIM4IWCU5(`%!G>61"EG4#E*`BB,RV\3\HG'JLNHY
M[?1,0#U?%RSQQUCC\DQ<]VMG.KFVR/.+^C2U*?N"-?1021X]_*(]BO:K$"3/
M>I-#K[V=WEP8TP+E-FRKRK,#M%3'BRBX#J@/<4I>'GRS)GK_`!G#IXS&?3_U
ME!LYP_K-;),.)B\WEHRK#O<S"<<NM;LX]:1-IVOU>8=2U,:.[D"5AK=F5GSE
MCWBJ[,#D3`3%#U'->=TT[?REX^KD#<3]>U]S=5'UOMUM:5V$W;%(MFE48P;_
M`/&>O*51[I#O&K="V2_S*)4A[T45$S*(*>]9B42G0.)@>=N-.QXR9U:_<ZL(
M6V9;.WNKD>KZB`#*JD'X`(`8C$#!]HA]Y7]SH7_>#(U)U0ED:,#BIW^@YG_I
M4C_-%L7:BFZ2JJ"J:Z"BB*R*A%45DCF35253,!TU$U""!R*$.`"`@("`AU#.
M:I?7Y$\@7-MB;^YWIN-Q>X&&&NP=U7V==5;;#5\>_K!1-D4FS3,=##Y3?LJ*
MQ$/O#]WU'&)V,UCS#;>UHJ4KLY&;-V%'350EYRPU.887.QLY2KS]G6(YLDY7
M9!O))NX27L+A,JCYRV.DL[.4#*F.(`.,3L+"\8ZGOG:^QYBV:KY%M-9;IE)=
ME7H>5E=L7BJ[9V;9[PA-.E(>N2%19S-I?)O4X%4965DU6,$S,JW*^?(F<(@>
M7$WFBS/2K(16HN>UX_+]:3Y5W)O(;_IY]@IM+/MOD([?/:E+T-NP^<VA=E6)
MEE8AE*6[8Q*S>.7EW:;%ZBDY229`J=*9XS.FQKW4UV4^W_J&RM65LVO;T+I8
MG4UM>;:QFP[2\G(VTW\LS!2EGL[\CI-!>X[&IP)OU9!!P\5DX"7;&77-YU$2
M72]$UB/5-S[A6,S.KM?92IX]*108&4O5H.9BC,4.+U9+HLS&E!%LE*:Q@V5<
M<E)V@O`LT(\_<T232+<3L)NNG-WD#<:?K>FHVI2E--7*1[BN2]!?62MV#WL1
M5EJ9%.B22=A<A7TV-;>.VX-(1.*8*F?.554%%ECJ#/&:F56YR=F[/,2-ALLS
M*V&?F':S^7G)R1=RTQ*OG!N]=[(R;]9P]?.USCU.HJ<QS#ZB(Y1VL/H$<4'-
M/H%UY8VV,]O+;/25HFL!<%,5PC0H65!:US:9!#H"%GM<8@W2$>AP)#F.7]6N
M43<ODNN&^,ZNQ9G-IK!AU2<H_J32M@1#W^I/IV4R1I<4[*<5(R9Y<;\@8]U;
MSM5")*L7KG3VC!;1ZP"H#AD^MZR?0@E4`TZM;3W;/LK)@,!@,!@,!@?_T>PO
M9GFHB\3]Y:OEF]#0^HU-;(W5)5"L.V,8._97EB[V9;G''W:U99NVWX^DZ'&J
M_(9"'L+8BL5%T5F"?E28LED$8UKF=GJT>F66Y<LD:DWWYL^.F8GF;S76GW,#
M^59K?0H.6T]2Y"LQ"7N-</BUV,M$4\:K-%9!JNX79-TQ:*D*<ZAR]-F/4'ES
MS!M#S4Z]MVMKRCV9Q1>(R]3JMZL0TV2W^]O?L&^V+/&Z7IW%O9UOV6^LTT>1
MAWC>MSL"UJ2D:5^9O'-3*.%"61L`T<KR)O/%S?E[6VM;[=N>^/\`D[!ZHBK#
M#:_K-<UK)T38>WM>:GCZDTK%,K#\6RS6$B5WCN:=RBSI=/SE42(<Q1J7&?13
MMGM_ADUD^`VF]#/J74N2L#L32@LH<E>2K]^IU>E8BQ--^T/;L^NR;+P.P+)3
MH&;:3-<G'83DC8UV*YVJSHS=<L:Q=;=F.L^?FQI34''Q=UNIVO<%^$^J9ODV
M_IL%J-"7U]R3GMO\7*!>C;%EK+#-:%HF7B$[?;&TR$HFA&U-!=215B')F;-J
MH,:[=68<>=T<CN0-ZK.IW>][?5J>AL+EM`O+MK=QK._34_`:_I_%RSZO+^:M
MBT5!PL^VB9+;\N+63BX)DVF&**)/<2J!`D'1+)$.:CVSMR^;6TS?;ALR1)LK
MD!I/Z3=XM5#=T_5#IK`I[$I>[5=BW:AUBQZ]EK#6BUZ]>84Y`JZQ(Y_+KMU#
MB3V:#8O_`&B2$Y;[0U!Q9U3&:\WW9)>XZRXR:_O'RBV6+3=;83=X_,?8T5?*
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MMQ;`DB43NW=1<-T)UH0P]H"R6*'JJ.:XZYX]V.6F*LE'2#&7CV,K&.T'\;)L
MVLA'OFJA5FKUB]0(Y:.VRQ!$BJ#ANH4Y#`/0Q1`0S+2(.0FEX7?FJ;+KB7,D
MV<2")7U=EE$_(:"L\>!U8>5*!2F4\1%3&1<%)T,HT653`0[^N:X\KQLL2S,P
MZJ=PJ4_0[1/4VTQZL78:U)NHB68J]!%!VT4%,XIJ!]Q=NL``=)4HB15(Q3E$
M2F`1]DLLEFSS68TJ1->U"Z;&C-@R+.YIQK*A4F8M$FWE+(H20F&K&`<,QB(>
M&][\QDQ<P,6=LLJ1(S1JT3(DN<@*()JRV3&F]63.=5JI[4V[-HEI5<EMD5)N
M@@B[9RL57:LI6"PEFL-0UK(.F<PQK->BBVMV\I\Y$`^=)`NDT913L>WQ-NY?
M$Y<9FX:Q;C53>X(6VCS#&.?6V26G3QC:?DB,I:0,:(?6B,2,#51Z#C]HD'M6
M,R%V<G0Q04]LIU%$P9N8O31G;J@2ZV@E;C!%(Q32;P#I,4QZ&[!``!1T<H_%
M-`#!TZ^ACB`?#KE),JO**'54.JJ<RBJIS***'$3'.<YA,<YC#U$QC&'J(C\1
MR-OQ@,#BIW^@YG_I4C_-%L7:BF><U,!@6DXY<BX?0,;L]LMJ]G<IG9=:2I8V
MY.W350M-2J3LSC\60M6EH=LX6B_QNV42:2+E+QNSL$SM2*$0<N2*RS.-5EPY
MN6Y;24KKS6>LTJ0E`0-/M%"M-RD*_?;\G8[N\U_2W6MXY*$E9R:GTM7H2U(E
M'B#]&$039KNER*E0(BV;-4F-<IEZ6^.53S?5*K]=G-;TZ`L<5:)BPOK?`MFK
M55VU>R=I=QL#%L$HQ!U#Q<=%V-O&'3.]=HGCX&(103:D9]JJ3%W,JFY0P+=<
M(N)MMYE<@:CJ*OIO&E>,NG.[(M3='R(T^@1SA'YY+'.<ID0D78*$91R9_NK2
M#E$INB?D.2<KB9),U]!&ETVLZ[J-9H=+AVE?J5.@XRMUN$8D$C2+AH=FDQCV
M:/<)E#@BV1*`G.)CG-U,81,(B/GWU=5?>9?)`O%S1$_L&*@C7/9<_*0>LM%:
MV04`C_:&]-AO0KVLJ*R*!R*"E)3JY7#]0G4S:*:NG'001$,+)FOWPTXZFXO<
M?J?K.7FPM^Q'CB;V!NG8)B#[K8^[MB2KFV[2N[I51--PJE+6N37(R*KU4;QJ
M+9OU[42@`MS5I<(8#`8#`8#`8'__TNW^G]1G1"G'7D1R5&$V8E4>,VR+IJF_
MU56`KQ;[)W"H3T-7VK:I186TT%*,KJ[L<>>&7<23,BR;PON?:J$632+BYD6G
M9;LU*[LE5HRNQZ-%[%NL`RL];UG+6^M,MBRD,^C'4NF\94PTL:=>HIL&#E0Z
MB"*J0%;+&`XE3,8".+8<CN/,JTNTA%[XTS),-:-RN]C/6&T*0\:4!J=TZ8D<
MW9RWG%$:JW,]8KH@=^9`HJHG)U[B&`"XO9D\%M?5MHB8^?K.RJ!8H*7KDM<(
MJ:@KC79>)DZE`O$HZ=M,?(Q\BX9O:Y"R"Y$';Y,YFS98Y2*'*80#",1DN0O'
M%-S8(F7WCI(CRFPD/=[5&26RZ(5S5:XYDHDM?MU@9.IH%8.$<3$@Q!F_<E20
M.Y70\:@G.GU+B]GON^0>A&#.A2+[=^H64?M4Y4]7OG>RJ8W9[(4.\81Y$Z$Z
M6FB(7`YI"4:H`$<9P(K.4B?OE"`),7LR2_[1UGJB*;3VTMB476L&]?$BV<S?
M[=`4Z*=R:B*SE..;2-BD(YFN^.W;**`B0XJ"1,Q@#H41`(RI7);7^P]^;-X_
MU!9&:L&H:G4K)>)MG8Z>Y8,'EW3*^@:^A!M;"XN*[DT(<CQ=X:.3C4BJI)>X
M,L?Q@7&F6'Z[Y9Q^R)6`=1.HMI-M66^WWZD5C<QR4B3J!IG7`W`DX\M\/`W&
M5N^O*Y(KT62182$Q&-D`<)I-WWL'3IH@N,)[D-IZQB(=:PRNQJ'&0#>H)[!7
MG)"WU]E#H4%7L\5W6DW,@FR3J"GD+VR9C@R'N#HIZAA,,5<<CN/+2'IMA=;X
MTRV@-BOGT7KZ<<;0I",/>Y.+>$CY..ILFI.%96=]'/U2H+HLCKJ(K&`AP`P@
M&%Q>SGD=R:@<6VR4!OM76Z][IL2YGK?2D;S6%;;5()DDQ7>35DK9)0TS!1+1
M"3;'5<ND4D4R.$A,8`4)U(P]SR8XQK4(NPWG('0ZNKY*9<T\MY<[6U\I0I"P
M%CUGSRK%LRL\->=3)8M-195CYS+@W*8YB=@".#%VPP#33\=/7=;CW)N17I,R
MVD;CQVL*J_N&\C5%#_,;#K8'IC'(XD:&N\\K``44,O!K)&#H"!@S5UGEUZLS
M2XZ+;YEIK.^H#Q#4V[!&VUKJ+\VS*NP!.;B&:90<7BM-"]0(DF`![FQP*0"9
MMZ@HY;=R`=YR-B!U^+GXWQNSGSXYUF[1/3[K+49:R*1;9@NI9J?8Z1(%DD7*
MH(1=F9^QD%V@-W;04I%%+U2,?R)E-^^3.'IGILSAREQEGUEWM8KDG3&ME@*N
M_CJK,14]+,2(3*2>P):)@JU5DGUS,M-.O(LYK54:,E2QP1R)B"JJ!`<+*+&D
MXR9P9SC+B=M\A;)?:=#,;LE$"G5Y"<FU9MLB[)*2TE/NU7;PRB2SY6,9*O73
M@14(R0:E=K"51?R*%*8$XSC;89MT:Z9Z;=V"3<23L>@J#V((@83$;-R"/B03
MZ]/0H#U$>@=QA$WQ'*W)A/49Q3VW+:]I.T6K.'_!5^I&Y;U!RQY!?M28:+:V
M=]=(F4(FQ4%A/.&52=*QJ)NJ3T@!VJE$BP)8\IFSK_RN+NS1YPCVBE9HNH1M
MJUC89YWLJD:FFF4-89L34ZY[$CI>5J3.S?,ZQ&&!I)LX!Z;SL`?D2%L8#]HB
M3N><QG%V,(T=<?9U>%L4Y2KMK[9[6JN*2UF&]#?V=Q(IK7Z<D*W!@W8V.J5I
M=X4DVT0;N!3`P)*2+0`[A4-V7R[S!A#6V:?(:^F=BT26>Q4C+4UY:*Q*O()V
M=_#K2<&=Y&R`QKY1!L+UH1XW.4BH$`J@!W%ZE$!%G,RB@^84P&`P&`P&!EU"
MH=PVA<JWKZ@5Z3M5RMTJVA:]`1#<[I_(R#HP@1--,@=$T44RF565.)4D$2'4
M4,5,AC`MQK1WP_IU\&:SP=T@UJQACYK;-R!C/;=N3-,12D9U-%3V=;A5UDR.
MAJE12<J-V?>!!<K'7=F32,Y%%/ARY>5]'23$7Z<N6[-NN[=KHM6C5%5RZ=.5
M2(-VS=`AE5UUUU3%31113*)C&,(%*4!$1Z9E6JCCL5?G;R3/S<G&RQ^-6B5K
M9KK@Q#/F_A;;`GWWDK^VN7"K50ICK1]B(V4KE(45,'2$3>O_``)*/DCC&KI,
M=6UW*R8#`8#`8#`8#`__T^R?,?38W*_@+;6&EYURUK=_H?)I:YUPTC:!C9K<
M-EM')Q7C=-K"%3,0T!'5KD^NYM3@R(OFLO3(`K%)ZBB=0(UE(8\']M,=O3DV
MBY@;%5K9NSC[O12P2FY]H03"J2ND:+IVO_(G^H*M`Q4=L%\UL.GT%85XK.QS
M52+D3-9%L=-B*,L,Q$$%P%Y0O$V+F_*ZWL'X=X\5/4[&!3W3;:8P9W>E;YT-
MM.-GM+--+Z.U17>/U9KS#53IU3%8UBX>04VC%F?M9!JFJ@F,Q(C'B+RTK\2,
MJV>:LOMHM.G.76FI%K>+N:MRM4C^0.P:3=Z):+3=:!HQC';8L,$WK;M.QNP@
M(J0>NG"1A=2:H.)!89CVF?`'9T/IV0KZ,M35[TQY0:;Y`,D*Q<K/2T+?"ZVT
M?JC4KZN2]^9TL]@KU@8R-1?S$$X28O$$G[*+,J=$#+^W&=6)V_@=O]W5(\^O
MD:31]B39-T.7]E_/+8=V2KLSLW8K2[1S/:]=V?KB\Z]Y,:W?J-/F=DB'<'`N
M@GC+DB'+5.1=2"`S%[-\:PV?)[BTQN_6-;H&PGNMZ!O;6<IKS8UKDJ5#N6^Z
M5]2R3.\1<^PI6P"I3-8=ZF"*72/']ZD%8Y(4E#*%*T=U)C%E85PFXJ7+B['3
MD+:+17+6U<:MXV4*,D((DJS,9YIK5Q:18%/DLBV,G!5]62``AFB;U\="-(FF
MH<IB=!%N4&1O#7;+_;4/=UJ7IG4=Y&[W)WN7D3IJY6>!=\D=?S-5ND`P:;$X
M_1M-KU.G+I8EYB)7EEIB4?FB'<<+J-?KG*B0L7+!XSA/R:EX'5:5MCM)L'>@
MM$\5M:5F"8;'M]AA=L6KC'O'7>V72UJ,]U+#$JE+O;*A`@Q,"4J\B9!1!TLW
M<%0\1QF:I6E.//(Q:X[!VPUTYQ"DK)O#5MWU%9-96)]8G.NJ7&SEM?3\5:KX
MHG05%=ZO+RQE%/S`9(MZV$P>-BH]!=1%N>5P9FV49-_I^[.%S<JK.1M"O=64
ML_,R[P$U?-S[F5J%J=\HJ]NN(C*U8](5*.KC*`#P;G<QUI?(SSX'+)D#V/13
MD7:(PS!EX%^%7)9Y6WJTE(I2<TGLU6QTY\MR)E6V^J+".=.--:OU%^13;0(1
M^XF,G+-`17AMA5:UE4K?8=5XLY;M(QL,Q?HNB)JQ\=M6ZTOECAD]LZ[I&O0:
M[*H->8U6)A-MTNM1T>O<J35V+5I'5ZN.IINOXXE%%)N2,<"T*0A.G;J7%8Y3
M+*M+[6>WEM,5&[Q[>L[@H"R47L"K)J&%LJ<X#\MN-9,L!5GU-M;<H.&:W011
M,8S=01.GW'68UFQ+G2[IQR*U&\Y.!Y[:I*;CTA#%_%!Q6D+M1(\B:1;&/0RS
MJQ5MN`D(%A'H)W3,G](#U42#W7<1SV^/Y,?3RV<^?#K&CM9)5NJJ@X340604
M.DNBL0R2J*J1A(HFJF<"G343.40,`@`@(=!STN*M6P;9\]??+V2G6*8*&`IR
M#]UZZ#[IW`]/0R2?J5/X]0ZF_A``1N3".LBKK:_YFVZE:P2TZRJ$?,UMSHO9
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MB#5JW3.LX<*F(@V;IG55.1,AS@VU'=4^F5],6L<*JZ-_V`:)M_(VT1QVDQ/,
MN]W!T"%="0ZM3IBKE%!19=R!"_,I(4R*.3!X4@(W*85^/+EY:39TDQ[MM>85
MJ/WU:IWZA.V;7PGT_,2<5QCUK,IP_/#==?=*L%+*^;BV?CPYUK,HJ(.5IRTM
MC$&]R;$XDAH8XQIE`=/%$`C4TUZMK%>K\'4X"#JM8B(ZOUJLP\97Z]`P[-"/
MB(2#AF2,=$Q$6P:D3;,8Z-8-DT4$4RE(DD0I2@```967,8#`8#`8#`8#`8'_
MU._Q@,!@,!@,!@,!@,!@,!@,"!]QZGE+6O%;#UO),ZINJE-E4JI8W2:IHJ>A
MU%P=2.OKNW;B524ITZH7KT'N6CW0E=-Q*H4P*67&EV2SK-W*Z@W`QV?'R+"2
MB'E*V/4UDH[8&N9HQ0FJQ*')W)N$3`!"3%9ER!YHV30`S9XW$!*('`Y"K,>Q
M+GW3'D5KCYG?3\K/(R(F['KJ0CM<;>>HG.M+G;*A6[>?M^^VL[=B0Z[%Z[`.
MP91NDJN4IA\J3C[G9TX?)>.EUC%X2W/5U9MR:+VMH"V+4O;--E:C,E%8S([Q
M(%HF;:HG*0TA7YIL9:,FV'4Y>JC=4X)F-V'`IP$H>B<IRF96;,;HDRHL%Q4V
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MBN`ZIL6QS'4`I!=+NE"%4#CRY7E[-R87SS*M6&U]\[%YD[`M'%'AE:I2I46J
M2BM;Y6<SJ\F12-UT@5)$TMI7CI-G(M%6KD%,-US-Y"61\["BH&,JIY)0S9!*
M-;:U?W2VEM9\>M9U34&H*I'TR@4R/]A"PK#R*',=10[F0E960<G6?S4_-/UE
M';]^[46=OG:RBRRAU#F,-9WUJ4L!@,!@,!@,!@,!@?_5[_&`P&`P&`P&`P&`
MP&`P&`P&!"6UM,M;X\BKG5YI>@[;JB)TZGL*+;)N%RM#G,LM6;3&G,FA:*9(
MK#U78KB'88?(B=,_4367&EV2S.O5P>N]X.74^WU=N*%0USMX"*E8LA655IFQ
MT&H=%IS65@<E3)+-U"=JBL:L))-CWB11,X$,IELZS8EZ7=8G,JP'9.K==[@K
M#NF;.IT%=JR\$#J1<ZR(Z(BX*4Q$WL>X#L>1<BB4X^-RV42<)]1[3AEELN9=
M3=I`Y#_15;N5GUAXSWE*/`XG7+KK8R[E5HGZB<S>"NK)NZ>$(!0[$$)!JJ(F
MZ>1Z`=1#MQ^7\HQ>/9IEV]Q@W_H9PLEM;55NJC1)442SRL<,E5'*G<!0*SML
M.>0K;LX]Q?N)NC'#N#J`=0SK.7'EM6;+-T#94,#BIW^@YG_I4C_-%L7:BF><
MU,!@7BX^?3BYC<EEF"^OM,62,J[X$U0O]^;JT6D%9JAU*_:2T^DV<6%L`B`"
M6);R"P=>O9T`1"7EQG59+782XH_06TQK=6.M7)NSFW=:4/`Y+2(()"N:OCG1
M2D.=)ZMY&]HN94'!>I#+&C&JI.I%F2@#TSG?DMV:G'NWQ5NM5RFP,55JC`PU
M7K,$S2CH2O5Z,9PT)$,$`Z(LHV+CT6[)DU2`?ND3(4H?HSFTX#9>SM=Z:H]A
MV5M:Z5O7M!JC$\C8;;;)9I#0D6U(($**[QXHF0SARL8J2").Y9PL<J21#J'*
M40UCN)[D+]2LWRRD?F'Q1X$/3')-[$?M'U'Y-\M8(XAV1VLXIXW3F]#Z,L2`
M"=:P/"H6F>CU4R,F[%NNLMDW:TX^[9GJW5>N=):_J^J]2TROZ^UY2XQ.(K-2
MK+!*.B(MD0QU5!(DF`J.7KUTJHX=.EC*.7CI51==1190YS5G=G^`P&`P&`P&
M`P&`P&!__];O\8#`8#`8#`8#`8#`8#`8#`8#`PJ^Z[I>SZ^O6+U7V-@AUE".
M$TG13INF#U'J+>2B9%N=&0B)1J(B*3ELJDLGU'H8`$0&RV:Q+)=T!D'>FB/U
M0IS?(O5*`@"2J9FWYZ4]B4Z9")*ICX(_;#-LB'7O`6DP<QA[O/VAUNG+TJ:\
M?6)JUWMO7FU63EY1K,REUH\XHS$,H5>-LD`Z*82*,[!6Y))I-PKI-4!+VN$$
M^X0'M$P>N2RS>+++M4CY%?A1--9-1%9,BJ2I#)JI*%*=-1,Y1*=-0A@$IR'*
M(@("'00P*I;&X,<2-JG6<6_0]#%\N)CKRM9CUZ-+.%C=?VAW)TES7WKY</\`
M>7.J(@``/4`Z9J<^4VY)B=E0K1]&/B9-J*K0<QMRF',*AD6T/;(62CDA.8!(
M0Z5EJTU(JI)!Z%#W93C_``C#FY\O+T3QB(I7Z&6H7Z+]JWWALAJT>(.&Q"K0
M=8=.$4UTC)")UR)M$UCE[A'J"9`_<Q_M>T3P]471_P#IW-"I+&-*\@-O/6XI
M&`B4?#TR,6*MWD$JAG#F/ER'2`@&`2`F41$0'N#H(&G^E[+X^JP5*^A#P-JJ
MQ%)UCMW9)"*$.9O==B^P15*50YS)'-KJ#H*X)J%,!#"4Y3=I0Z"!NIAGGR/&
M+^ZEX7\4=%G;.=5Z`UA5)1F8AVMA)6&4O;$3)B!B"2WSY96S_<,'4/VOT-Z_
M',VV[U<3LLYD5ZSUZSC6;N1D7;9A'L&R[U^_>KI-6;)FU2.NZ=NW2YTT&S9L
M@F8ZBAS%(0A1$1``P-;5I^HI';*G)/6G`/7+GF=L=@Y/%SE\KLS^&>*6L7@I
M=1<["Y$J1\E6)MZS!0BP0=5).2[LA#D`J`@)RQK'?1[VNN"$Q=KQ7-Z\\-DM
M.4.X:R^+.T+7S2#5K?%C1$P8.Y-?56HGSN2&QV>,$0(G:K4O*31C))K-P8F*
M4A*F>DV;(,(8#`8#`8#`8#`8#`8#`__7[_&`P&`P&`P&`P&`P&`P&`P&`P&`
MP(?V'HK7&RGS>>F8IU#72/3$D1L*G2;VI7V)$"=B7M;-"JM7KE!`/WC9W[EI
MU^*0Y9RL]DLE]V`$AN3VN![(.PU'?U80#]5&7CIKK9B*!1`B39*W0,?(4VPK
M)IE`14=QD<HJ81[E0$.IK]-WTJ?5/6/,3E%5($?;[:IFRM+NDP[%GEVJ3Q_4
M3+D_[8K2^TTUFJ*B"8?>\JSIN';T$0#J`8\;TLIY3KHF6J;'U[>T2KTF\U"W
M)&+W=U;L</-B7T,)BJ%CGC@Z1R=@]Q3`!BB40$`$!R66;Q99=JS3(KP+.FK=
M1JDNY005?+F:LDEEDTU'CHC5R].V:D.8IG"Y6;-982$`3`DD<W3M*80#T(B?
M@K"D]7@)J)G$(V6E("16B)%G)),)V#>*QTU"O5&2RQ&LM#R"!T'3902K-UB&
M(H4I@$,#TK1<*E1XI6=NMIKE0A$.OGF;1-QE?BD>@"8?+(2SIHT3Z%`1]3AZ
M8%%[5]4_@]#3+FI4G<7^(2_I?JFVO.+-1N/)2UOG@G42)'@33D';H2*<J*I'
M(`R+UDB!RB4QP-T`65\:QHW(3Z@>\"F;\?N'<)QYK;LIA;[5YP7=DQFDVYP[
M`<Q?'72<A<;6\=D`WD*A-V.MC]T"'`!,(DBXDWHV^G$TVN\:SW.K?NS>9<@W
M=^_1UG,`AJ+BW%ND^@M#,^/&OGB41:#,`,<B:MND[.L)!ZB;O$QC,&>TPV+U
MVN5ZH0<76*G`PU8K4&R1CH2O5V+8PL'#Q[<O8W81<3&H-F$>R0)Z$213(0H>
M@`&5ES.`P&`P&`P&`P&`P&`P&`P/_]#O\8#`8#`8#`8#`8#`8#`8#`8#`8#`
M8#`8%-MJ?X%_>K_F;^0GX@\Y/-V?AK\:^Y\Q.S_\<_\`NSS>;IT[?O=>O3[<
MW//IEF^/7"(T_P##AY$?RJ_Q@>'RMO\`]1?XGOD77SJ=O?\`._\`D'L>O9W=
MG[+X^WM]._+]77'\)]/3/\H#W\FLK`:M*=[S\8)!N&$.S7GHR+EK89^2LW`R
M3?7[5&6A9TEW<]!(S6\QB(-S+G*FJ8I4S7CUVV9O3[FGW@&UX?,])O4-H3?U
MD+#J8-M[4/7I2+JW-&G:04B5+Z^4>H66"XLW"]0*-\9RII=*;62D5'[D2+JK
M)H.3IHI\7IN?3+8YJO\`_GG_`!2P\?\`AK_''>G['_&%^/OQ?Y_`3P=?\:G_
M`#SW7?T\7D_6>\Z]O[1UQHGUMY&LORM_!\;^37X`_`'W_E'Y9?AW\'_P?+\M
D_"O_`"7X=O=XOW.N5AG^`P&`P&`P&`P&`P&`P&`P&`P&!__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>49
<FILENAME>g655868g85z96.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g85z96.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0<\4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````=````EX````&`&<`.``U
M`'H`.0`V`````0`````````````````````````!``````````````)>````
M=``````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!*`````!````<````!4`
M``%0```;D```!(0`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``5`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5`OQ6W.#C98R.U;RT'XAJCU$N&*[8XL<2`'#D2>55Z4;O5>++77>
MT$%T".W#4E)G=-KVF<G(:(U=ZSM!\S_TE9;?0XAK;&DG@!P)*>[^9?\`U3^1
M8^"P-RJR"XR3HYQ(U#G>UI^BDIVT')QFY+&L<^RO:X.!J>ZLZ=G.K+=S/Y",
MJF9G?97M;Z9LW"=)_(UKDE-:SIN8+9JM)K80:]]]TZ03ZK6NV6?GJ`Z==6\?
M:<ES*0?:YN1<'3'T7>H_8_\`.6CBY'VBKU-NS4B)GCY-0.K;OLS=I`=O$$B1
MP[\V6I*38OHM#FU6FV7%QW/WD;OS=?S/W4=9G2`X.MW$..D$#;I+H'TGK324
MAOQ6WEA+[&;"#^C>YDQ^:_8?<U!'3:P9]?(.D0;G_P#DD2W-HJL-;MVYO,">
M1*,QX>QKV\.`(^!24U7=.JAH]?(&WOZSY.I?[O=_*VJTP!K0T$D#229/WE9_
M5@XO9M@.VF"X;ARW\T%G_5(_3!&,?ZQX^22G_]#TO-!^SGU'';+?H@3S_*<J
M_3@WU';"X/VZAP!'/8M*^9TDE/U+:'^D_<X1M,P->/ZRS<45_:&;2^9]A(;K
MH?IP5\V))*?J@!\&2)[:?[5G=3#?49O+B[:8#0`.>^XKYH224_3_`$\#[/\`
MHW';N/TP)G^RY-U$#T6^HXQO$;`)F'?O.7S"DDI^F>F!NZS87;H&X.`C\[Z.
MTJ^[U-OM(W>8T7RNDDI^D,[T/M@]<#U=P]/5OTMHGT=_OW[5I8WJ^BSZ(;M;
MM/)(C\[Z*^74DE/TOU`NWL]0:P8V$<3WW!&P-_H_H_H;C)=S/]GVKYB224__
MV3A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V
M`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$`````!
M_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_
MP``1"`!T`EX#`1$``A$!`Q$!_]T`!`!,_\0`H@`!``(#`0$!`0$`````````
M``8(!0<)!`,*`@$!`0$!`0$````````````````!`P($$```!0,!!0('#`<'
M`P4````"`P0%!@`!!P@3%!46%Q$2)35UM588"2$C)'2TU%4V=M8WES$BD[/3
ME29!43+25)35830G,T1%EAD1`0`"`0,$`P$``P$````````!$0(Q41(A87$#
M09$R$X&A(K'_V@`,`P$``A$#$0`_`/W\4"@4"@4"@4&G\]YHC>GO$\JRU*FY
M[>VV."8&]#'(T6W&R262F8R9FA$'AT=+>')F:!/TPFDC;VM'O:M*FLI5@N::
M67WAV+$7T:B;=6B.*Q272/4SC*7Z9#(M,HY"FXB4JFG(#?DITF*(I;&",1KL
M9G21SR"[+1C&D.:TC>%T(7)S06(,+"$X8K9Z[:Z-)@UL50DYMC"J\SQ>ZYJ8
MUR%)(%[)TG81R`F03YZD*-G/88M&X\JBR].X*'12CLA5$;`_9G#+`,5.S[/F
ML/#X=,V<]4,`<U&1X=@:!9/FDI9$")UB\ELOQ?`C\AN<07LTO;&=YC;\YQ_=
M3TP5Z0FPTJ],J#8:<XLP8J;B&L\0:]X#.\?RW)L[*@\+B4;4P1N1G8ZR_%=2
M;T[/$\$Y@;V$R+X21R.2MK^$2,K9(KI#E*D(S1@!8"4\0125//M"]&[$E;UZ
M_-S.-"YX6*U$IES9&YR^(RL*FES,=L@.*IDB[@0T,Y9N/G=.8!6(A24L2;L,
MH*@X@HT5.SXJM?>FL?+S@Q9#9'J-*YUD>!RY[&&0-"F&.&,,#2W41(%!\><(
MX%Y>$YF-XM9S2C)+`0N:U1:Q(:I+N6$T5+(M^OW2"ZPU\GK;FIF71N/2*$Q-
M8-+'YH<]KG_)2$+ICY%&XF"-7EDP!-6GOK&L]I0K4ZU&0>H*&(E.>,L5+[,F
MO72-)3\9)X_FEC>3,PIDB^`B;667*R'!M<ITZ8Q9W9Z5$QX2:%LT@R$QK&9M
M6/8VY*Y.*4TE*8<,`K6%2G^FO.Z'49C2V26QL:6UN,E,KC:0Q@E[;.F%U+C#
MP>T#=6>2-B1N)<49YQ`B]H$BR8XTH9J$]<W&(W%8)BF_J(4"@4"@4"@4"@4"
M@4"@Y[YP]H=CK`.L+&NDB=19V2JLKX>=<C1+)-G`((Q>8)WF2-<?Q>[D<,&%
MH<YD&**PMJTU5W%"^Y*,!(C3@7HL1<6^&#_::Z9<N1[`87N4<@9.SUC2`Y$;
M<:FM<OE9,94Y'C3E*HK!W_(C%$+01NG$B:F988SLZU6A>'LLBXD2,ZP@6$LG
M&8M&&_VG..Y+[/7)'M!X=CB;N$1QXAG"TW'<H2ND%D;GR?+!Q\HDIV>X\)N-
MLZ-QJ=6)2@+<D*<\PU%MS%"8^P%E=:;]8-=^DZ39><<$M.7V^^3FE_R7%'!E
M<HQ.&)I3RG#J,]TR7&KS1]C#=!S'^)L:8QS/1@<A*#&@-UY0#$?O]"IU0YN]
MI9HG=H8\SQOS1=2Q,SW#8]9(#&^6PR^1N>1BW]1CP,`QX9`@3_)B&?(XJYJ6
M19'6QT1NR1O4'I33223!A%3LQK_[470;&$\<6O.H-F);I3"HKD=M=4D.R2ZL
MZ6"S&?2W%C1*)(\-,,7-D.:4F2(.Y,3J8[FH>!.A129RLD-5)0G+.,[,PX>T
MDT7->/RLF+LQFE1@R>RW&1J4&-<N*)JWS.`LI,FG+<\8S30([)+&AAL75$.K
MHXK&DAM0-:DA8>H`F/)-&*G9NG+>IW!^#\?QK*.0IJ,B$3-2WI8>Z1"+S+)Z
MR5C<V!QE:,^-Q_&$>F$D?&\47:5+B8J2I#4Q*$@9YA@"K=ZA5N?N3?;/Z8(`
MX9K3M#%DO(K3B3'NE?(C5*X3!9H]1'(K-JK?VMJBRAADK=%E[(V(F!NE#.M,
MWQ06O=AJ5B)K1K%[8K3!EKQEO1R]I9IO6RV*P?';\XS62.NHF#Z<I4F<X/F.
M#((=,YBN=6\QK.?G[%!C`X3!G/;@C-9!JDAP4Z@H\\Y.0828;4I`,(>UVTBY
M0Q$/)DVEJC$3NU1YYE<HA3U'<@R$]LC[3EL&&AN4;D+5`B&K))2:6N+82YAC
M]G`QC.<BBEX2+V$*EDQ+9,Z]I#IXAV<</X(0J)?+I)D[45D73$_.L?@D[4LF
M,LFXUQ='<F/2"4*2XJ;O2(::>QPJZ]+M&A*D<53BH6E(FAS-3BIJTC9?:.:+
M9%`LAY-:,WMZJ&8O'#[2IQ'#LC)%RA-D5Y/CN.76%QU9#T\DR:P9&?DQJ./.
M,:1NR!\4E&%H3E`@"M85.S63/[3'%[KI4U::N00J7'X]TL9&RQC\UK;$[BID
M\\%C,F/V3.9+(YL+([0LU\<)$40J2.B8!C%LSAKA`"2=LQ76(;1A'M#-)LYF
M<!QHBR::V9&R$W0\YKB[[!<F,!+;(9U$T\VC./I+)Y!"FB+1/)KU&E(%J.,N
MRM!(5240#2T-P##>XJ5V*(4"@4"@4"@4"@4"@I9EK5'DG&^HK%V`V?3LX34K
M,":4KX;.D^48@P-YS?`&N-.L^4.#$Y(S'-"-A)DQ022Q"O=<(L6S[/<HM=-4
M>R[[2;2?B>*9I?N?Q3I[P8UO+A*(5"6AW<GYU.CTY8L921)$E!Z!*R2X,,R#
M)D+5(CFM4M+CJH_N+]@9;N76<9Z)7.-=^G:'D3QO32Q2]SJ$XGFN62H(9')?
M&U\A;X/C0G+#M&&Q[DD<;HZ&:I8:M2JUC,)3Q9L)46&K2E6"/NBI_P`(MJ%U
MY0K3]B_3YD1YBVW'J0<&-JAX)3.X5B^"QUP>8"NR&6EGF5IVXMD0C)REL;C$
MC>4,1A[FXB`227W=H86(B[8=L]I%A%)D&(8_R@W23#"V;8,P/FAI5S@@AP2H
MS,^9&R%C".0]_<(0*61MD-02>"DE">C7+@"H;PB"0K%<XNXUG&6T9)KPTEPY
MQR<U2G,;2PJ\/(ECED"[E'YDF1-;<U3EEQD^+VIS'&^&R]%&LAR-"RNQK,<X
M`:7)4`A9<@R_90J7^.>N/3@G4O#"U3P#M.6['KQD)'!E#%*HV\N2=JQVJRL"
M+C/DD?;$#1/%>/DO&K,"PPE[*9Q67C2626N;0J47QG[1'2MD;$/5V^1T4:1-
MD<P\\RZ,.S9)!2B/.><FDEPQQ'&UD+80N\]<):MNH0M)C`F<27=8C/*1W-&2
M8$`J7\V]H1IQY@<!7F+=?%B#!,?SG?,1*DY3&ST4BS$]X.20HEC3(390*;@R
M"RW;!-MDMU_%#+(-WLLM<JA4_P"6'A/M)=,$CB#C.)3,@8YCX<Q9=Q+'SY,A
M?!*7PO#+TV,LPG3@VI&03I"(:S'O2/BJU\(0)F$:HHIQ-3F&!#=9QE8&*ZE\
M/3]=F1FQ]*!S!]P*O?V+)C>@8Y*B2Q^41N[@!TBQC^ZLJ*/K'Q*:W"VI"52H
M,**,*.%:Q1Q0QBM%+-/7M2L>9C610R;PQLQ'%IIIBD.K!MEYN8<<9";HOC*)
ME8^62(O*[?$EHGK%3RA;<DHC0`=DY9*@Q,L(`9<],,NI:SC3<CC[1;3*FE6'
MHVW2*2/:3,`<QW32)#!9H4@@QF#65K>IN@R,TKF!+*H:[D)GM,("5>WD#"G,
MLH-N6280(^I4II)==>E&(H4#B_9>;TJ=U:<,O;4!+&INZKG1!J&;9P[86NVM
MC1&5SDO6Y#18W>KH4I)0U6T17*,++--)`8*EX$NNS3G)G2<P_&DS#DC*$);L
MNG"QJU-[G&GI]?\`!KIP')D.:'N=(8Q$3)/$GHT@M>D$X6.2IU1"H8-U.*-&
M*E9;'LM+GT!@\Z)0C;"IK$(U+2FTP\*HQO+D;*B>`(3%(2B`J!I`K+%W,L`%
MAW#V]VW;V41+Z!0*!0?_T/W\4"@4"@4"@4&H<\X8C6H+%,HQ-*U[RSMDB''W
M%%((X:@)D46E,-D[+-X1+X^8ZM[LU!?(A-(VWN:/>DJE/=0D!8THP'>#<L37
M56-VT2RF4-:5YFNJC,<NS''LTQ3.V/<D.K;"K1K&TKAV.Y!BE"R0[#Q3+:"-
MD.?H3+W@#VF""RQR7NARS>RC@)MW%]D3:_9D8A2Q/(,&>9OD"2QW*>F.?Z;9
MRH<AQU))'BV4\L9,S//<F%N3,R-K.W2UWG657)42F3MI;8D["@`3W*#L[J.2
M5Q#01%HSIAU*Z<ED^7.RK5)&,C1N?Y%00'',+<DEI]BTC$1*ULC\*C[$W+C8
M]&$1`R1.9J]28>$0;G@3;!,0+ZQ+!O>A28S'$*O$4SU'+EC6"28U?VD^+89Q
MM#6Y4A@/%R7"(Y%C"(M:R92ATP2.)-E:!T!L0G(BC.P8;F%B%];I`&/V5./&
M'"V2\)I,I2X3'D;1I']%XW3@$<3+66&1F?YSG+9+$R)`4D:C)#>^<%"4T@LE
M.A[K>6,HHJQERP2EY?\`J<9<]G%"<MY#R=D-QR1*6A;DW(4TR$N;D34TGI6M
M9--!KEH.5-R0T\5C3DR*).0GXL0_UQ.(;$W]Y]VE'+I35N<=!4UCQ;)DW3^Z
M.TLR[%YGI9>8X4LDL1A!L8(T[XEROA0V1,]Y/")U%Y<YR.'9;<2E3.Y!:TUP
M'"-)7E'$%%G")W07&'LEPK(9I3>LN9->([EW!91[D\N>/4$,-D@%:W.TJSR)
MGC>9B(;&Y\SV6KY-P=]W41;,XHP'C1MR`]08I$HY:U#LTV-+4RI;(6=L;VE$
M$8S`HVQ&F0)0F&7[3#+)TI915ACO;W;]G;?^VJY9"@4"@4"@4"@4"@4"@4"@
MH/J6]GQBG51/,@S3)3T^7(GVF+U;K,[:0C(,BYJ'*!&7(ME2-/-^U<@G,/F"
M%*I07[+D@,3`$*PK7$&Y8FE8\1>QNQKAK(^&IK'<MO;HSXT28`6R:-R?&6,Y
M,MF\UTUPE!`L=2=JE$A9W9;CI.>SLC::X)VTD2S?6XI0@6MYHCA&REY7\-Y(
M/9ULQ6@?(^@)UR[(W2`S,F?,L>F@(NR-\HA\0FLS539.R#3%*36Z1.#,XKU`
M;KC;$74V-_\`2+L$(;5+ZW3P*?9CXQ=9I>4/\\ECLVJ]0^K;/SS'`I$#>0Z&
M:O,'/F"9E#+.:0RR]"V1^//QRI$K*[%(E%K6'V6J4MHRV^S=R&D@^+F-?K.R
M0\S#3C(\:N^E^4+<:8[!'L4MV,8#-,6(FZ00)*22BR,X32`3E2BD2\]8@,5F
MI4IZ(MO&698X7V1$?L><8BB60HU?,60#UV5,*QG%LYDBQGC1CB\21OU73K5[
M+<D`2HTZ!M0KI?D7(2]+9M)*`C;VT)195QC!<8E'+L]F8_9'0C*#]-)LU9A?
MXK/);G[-N:R'AS@,+GL?9V[4%BO$.*LAPCDZ3%B:G39(<+-#BU.1X[F(UX1V
M.(5)1F)S%'+LL5G[0XW9FPS@C"#%E!]Q[#,(C8VPYB21B/.$-R-#&?&SOC($
M8FF/F2T-B"DEO0.9;DU$%I@L3:[(TY@FI0G*`EM4O654$/L=V!BQC.,5QK4-
M+FR/SG`&D;$*TY9`XTZ+$TST4Y'2Y#PQDXLP3BEVB<8RCD;NQ?J$K@*1F`5$
M""58$I>798EM]GE&DS<@3.&4),YKT^OM+[0!<Y<"9D7$)Z40`M3"MS(,$2DC
M*LX(C-J"]U!?>[MO<M52U9#/8O1-XQJCQ/,=2F391#8'B_)F/L$I11"!-*W$
M[GF#*$,S!/94J7H&^QT]$JF./FL")$OV8$;8$]/<TT9H#R92\NS:+9[+=$GD
M+!-WO4#+I-.R]5&3-3<Y?%\'B:!NF?7'3JP:;,Q8Y2L3&8V$Q9D?H2T'7:5Y
M)QZYG&J[1"6'%6/$HY=D&Q_['6&X_P`=NL/0YS?CY+'U&GDS!&1$^),2L\EQ
M.#2W-@Y`Q$9(%38Q%.66U89"4#C5G180A<"`BNG2H5)IRDQ1R[+%L/L^V-)I
M<U8::I3ER8S(W5]),RS3(>25;%&69\;I;FR-M;/)5[&PLR5,P$-S>Z-MU:-)
M<%@EE#LG$,5@[452^L2UW#_9D\!G,?>G_41+Y+CTO->+=5$ZQ83!(>QM\SU1
MXHAD,A[)D9'*2Q.$EBL-<1X_:G-7&"C5)5W%+;9+"THAI1REY.J-5R4"@4"@
M4"@4"@4"@TC-<(M<US=@[-RI\<$3I@]IRTTM3&0G3F-[X7EEIB[2XFN"@R^\
M)AM!<7+&38NU[#$:*PO<M:B[J,RGV5<$ED:D\&<<V9/'`R(SG6/X3B0VJ!71
M84-U"Y"9\H3ER3.B:-))%/QM\E9"DK24\+#`)&<PU.9=0H$%:"4O+L^4V]EL
MQY#R_*\S3+/<ZD4GED8RM&%!CO$80K6M2+,>G=5@25MS%(;("I"TQ%L--"_,
M["2I`TH5IRH(R3Q'EGIU'+I5+.95TJ*<@8FQ5C&/Y:D4*!BQF:H]>RF*PO($
M$R.Q(8J1%5#-E3%4Z:G:)2YO$6F*7HK]B=4VN9!9I)VSVQ)]2U<&;V5F+XY`
MG+';)DN;E,SA@_`&$K'JVN+B4I4&!]1^1-2B-Z1I&AM9&1O#()/D=4W!;4B1
M,WM;6G(*2EA"78-I2\D8??9)PR0Y*R?DUVSE/W9ZR<3.6Q<H>XU#7)^0QV8Z
MDL-ZF4+$?,BT**4R)%"9'B$IB9"G%2H1M<:4@2)4Y!A)AZE1R;1F'LU<92W/
MV2,YWF;R@ZF+9#+'>'&0W'+X0WY,D."P:>3YBR3!^C#A-F-$3!"0'A;T"U)>
M[IM3-YLE4*$9BCETIYO_`,V(@FX6ZLN69JQ32(0#1I%L=RY$S1A6;$I+HN;L
MNM,,EZAE=T;DSR(F:M69'-(\MJ@L)>ZW^"G$'W`>4HOLC_\`^66/@66.9.7\
MD7G"E,Q24&0%3=##GX&;V/5W(-;`<P&MJ=A1Q0T:W,LA-`8QA;BVT+-:R4'=
M%V'64<NR(23V14$F*$L^49NFK[,G&7ZB7J:S)XQ]B%]YPC&I^40R7Y,BAT-D
M4->8(UG)W>#)+-*TIN&%(G-4$G)E19O="HY=E[,0:;X]AV%9>@[*^N"YLRWD
M[+.3%1AZ)"D%'U&5U8U2QD;"$E@IS&]CL.P$XA6"(0;6[UK54O13-N]DC@IE
M@:''<<D\CB3`_:/XYI%S:"(L\;8^MR2`M#"CQGFB3H0(%#.1F2!NC8K4$.AB
M9;9:G<C42P!Z8!002EY3_M(XG[,R'1@N#'VRD^#>6209Z=IRO9<?8QAZ2?MV
MH7'L2QE+V>[7&(VW%,YS9%X"SE('-08Z.H+)1`-4&E7(+3B^S&8R]F,UP24P
M.7/^?9WD!TQXMTG68;N\2@[&25'M(,=SW%<?QRY<9;FP)A+NSYV47<%1UCE0
MU2$)@!V+-V)0OLW9CW1#%,?9(@^1TLU?G17",KZS\K)VI8VMH$3BNUGS\R?R
MAG5&%WN:!##59ETR$8;7&H*]T[W:J6NV666266226`HHH`2RBBPA`666`-@@
M++`&U@@``-K6M:UK6M:U$?W0*!0*#__1_?Q0*!0*!0*!0*!0*!0*!0*!0*!0
M*!0*!0*!0*!0*!0*!0*!0*!04;]HIF;)>!-+TDR-BB2Q&(2E#+L=M1LBFJI&
MS,K?'WV9L[7(;`F,AC,MQYCYT6-:@PA(^RU&*+MR@T(UXRP7".Q8UZN'TQU9
MZN)4"`ZI\9SR31R=0'V7&JG)D@)EV)H^[QS*$BQ!JOQHR)V8N+0Z=2#&I@)Z
MD9@V1RE@6K"W1A-.5M)2("\K<XZJ-)W;?R?[2[4RAU43Z"8[EZ-7$T,7U)QU
MQQT[XLAK0\XOEV,M$C[J$QU+6I.&62O)CZV2;(;19&C>9(B:&&4$7.(:6TRR
M8:L:SC%/%*M=6O/&4STGQB19$CKLNR]AK3QF9I3OV&&*/M.>YIG"<DH,BX%C
MX6)6Z2EIZ-0T!0T=V5,L?DQSF4Y/?>:RKB&*B;8>"ZE]:FGV:YX5P/?<T1V>
MZE/;,*87A1[@CDN<6Z2Z?79_R)B52TS$#R*2NJ*2NMN%DM*>R=$:U7`0@3W6
M6">8*B:_P^_K4YXSBWXV9RLR%:A\<Q;77[+%P;]0&.L=K<3HSI)D?,*@_.^`
MWEN9E5VY[0XS2-3:-<#N;RWIG?<7@1BHNXKBHCZE7MXUVZQU<Y:\^H)4HGF9
M(AI7U4!FN"V7$$@9632M.+ZC<`0E]C,S:+.B='/W["^-%"B47(=#;.EDR8Y2
M:9=M<DEK%J-%WL#:O]96<IMI(A[7FF.6@DYEFM<^39?CF&V*6F9@QSIX4:=I
M!CY064V$<H-+X^GS.11Q0Y14:]H=4A(U3<`2H1!B0DQ$6WG[*763G#4R\YGB
MN<)0USE]A;#CV26?X$W0%UQ<U.4F7S5G?(XR2Z&#895%'("Z+[:T$GT<;9Y&
MTO=$X*5ME`!@0F41&CLO5<E`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`
MH%`H%`H%`H%!_]+]_%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%
M`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%
M`H%`H%`H%`H/_]/]_%`H%`H%`H%`H%`H%`H%`H%!%I=,&6$MI#J^C4%I%"XM
MO+NF3B4&74FD*5(+7`&X;V!LD@_=_O[/[ZL1:3,1UEKOU@<=_P"H=OY69_$J
M\)<\\3U@<=_ZAV_E9G\2G"3GB>L#CO\`U#M_*S/XE.$G/$]8''?^H=OY69_$
MIPDYXI[#YRPSA,L5,)BHPI">6G475)A)A6,,+N8'NA$(7>MW;?IJ3$QJZB8G
M1,*BE`H%`H%`H%`H%`H%`H%`H%`H%`H%!7>8Z@4<0DKK'#(PI7#:SBBA*P.A
M1`#MJF(4]ZQ0D1MP=VQW9_BO^BNHQN+MQ.=35(SZTK?Z&K/YT3_QU7A.Z?T[
M'K2M_H:L_G1/_'4X3N?T['K2M_H:L_G1/_'4X3N?T['K2M_H:L_G1/\`QU.$
M[G].RT:!59<A1+K`N798D3*K%W%WKEV4$@.L"XK6M85PV'V=O9;MKAH]=`H%
M`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%`H%!_]3]_%`H%!BW=[9V!,!8
M].2-K2F'A3%J%QX$Y0U`RS30$A&9>UKF"+)&*UOT]@;_`-U"XC5'>I,`],(_
M_,TW^>K4[)RC>#J3`/3"/_S--_GI4['*-X.I,`],(_\`S--_GI4['*-X.I,`
M],(__,TW^>E3L<HWAGF>0,<@+..9'5"ZE)QA*/,0J"U`"C!![P0&7+O>P1"#
M[MK7_LJ5,%Q.DLQ12@4"@4"@K[J2^HS5]JT/F=]KO#5Q[-(\J2UHQ*!0*"X>
MF?Q')_*J/Y&*L\_AKZ])69KAH4"@4"@4"@4"@4"@4"@4"@4"@4"@4'-S-/XG
MRWXXD\UH:VQTAAG^I:NJN2@4"@ZNQ_Q"R>2&WY$36#T1I#+T4H%`H%`H%`H%
M`H%`H%`H%`H%`H%`H*>9>R/-8[.G-J97Y0@;R$S:,I,6G0F!`(]`0:;>PCDI
MIE^^8.]_=O\`VUICC$Q'1EEE,3,1+676/)7I4K_VC9\QJ\<=DYY;G6/)7I4K
M_P!HV?,:<<=CGEN=8\E>E2O_`&C9\QIQQV.>6YUCR5Z5*_\`:-GS&G''8YY;
MKW1!8I<8G%W!:;<]8NCK(L5GBL$(CE*IM3'GFB"`(0!N8:.][VM:UK=ON6K.
M=9:QI"15%*!0?__5_?Q0*!05]U)?49J^U:'S.^UWAJX]FD>5):T8E`H%!</3
M/XCD_E5'\C%6>?PU]>DK,UPT*!0*!0*"ONI+ZC-7VK0^9WVN\-7'LTCRY3ZI
M'K)L<P#DI]PXH7I<D-3,D6QP]KC/.+D"Y+RV"=K-\=X4_P!URP;%O02Q6;G.
MZ<=['61++E[L;W-U-:L\:G*+T5DCF8=2[G$LQJU$7R0WR5*EQ"BB++*L3.[2
MYQYP>>^HS$[1QTCV/9+%I4TPV,*+60B!>2*ETD:%@RT(T3@SMALN>KJ8QZ/J
MP90U0.<3U!*#&7(""51?36WOD!:)%BXY(8IS9?&ASI<B".J&!@8YF4"2"*`M
M)4V4*U+L:).0RMZ9)<*Y<U/@K&\=K_TLMIID629-BU,ORLF>2923)9>A)5OS
M.J9')VCB:1+[1=S4(G"!8G<A&FL0R"S#5$3C8S#BAW"BN5LU*BQ==7.51/31
MU!TS^(Y/Y51_(Q5QG\._7I*S-<-"@4"@4"@4"@4"@4"@4"@4"@4"@4"@YN9I
M_$^6_'$GFM#6V.D,,_U+5U5R4"@4'5V/^(63R0V_(B:P>B-(9>BE`H%`H%`H
M%`H%`H%`H%`H%`H%`H%!07/'XE/'Q1H\V)JUQ_,,<_U+3M=."@4"@Z8P/ZC0
MS[*1WS.CK&=9>C'2/"5U%*!0?__6_?Q0*!05]U)?49J^U:'S.^UWAJX]FD>7
M*?5)BIWS=@')6+6`Q`6]2QF2)VSBCFK:&TU8W/+8]$IG!>C;7H1:-6)MV1@#
MD*]&<`=RU252F&:09W,7$PSQFLHF5:(YINSPP0C.3.L28/D<JR8QX[CC4H62
M2;HH"Y<FQ]["X2R<0J\$<URYW>98OMO+<-T<&U;';I&4>R0-!1*^5/5U.47&
MM/>FTGY*31C-#"GF::P<E:6R,*M1,AERZ:'M\N38CC./&I>HD*S';*M1-#,Z
M,[@M5JR4QUGX]X$J,:T)R>Y2I4]?!RBXZ?*Q&FG%\EP_BU-")0J9CE::2R]X
M0I&$]$J;69JD<B7OJ1D3J&>$XQCHRFX;@,!86R,L*(HGN%A2B,`8I46(J'.4
MQ,W#J#IG\1R?RJC^1BKC/X=^O25F:X:%`H%`H%!7W4E]1FK[5H?,[[7>&KCV
M:1Y4EK1B4"@4%P],_B.3^54?R,59Y_#7UZ2LS7#0H%`H%`H%`H%`H%`H%`H%
M`H%`H%`H.;F:?Q/EOQQ)YK0UMCI##/\`4N:.==8)V&,E2S']H=$G4,;PB1EQ
M&Y2/*)$)N]N!DQY9,B@]I$7]JC!(D_=&F<WA8A2+%YY2,FPKW..(DY5,PZQP
MY1$W\I'D[527!FN0O;'%&)_96?%!V2F]YD61VF!M+NY()JTPMW@YZY>SNP(V
M]M[B[!37&Y636LZ!W,T!-[&'%IGI:1A<Q%_+YAU7IAZF8=IZ+AZ3=9G#FB5-
M\I/EVZR(DQXB<XEY291C=1&P.A+4F0P@PDY>:M*`4K4E$C+"8((1KZQ!Q_YG
M*UOJZ<.KL?\`$+)Y(;?D1-8/1&D,O12@4"@4"@4"@4"@4"@4"@4"@4"@4"@H
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MAKZ])69KAH4"@4"@4"@4%"<EY+GC1/).VMLG<T:%&YF$I4I)A=BB2K%EWL`%
MKEWO:UKWO_;6D1$Q'1CEE,3/5!^KF2?3!W_:%?PJO&-DY9;G5S)/I@[_`+0K
M^%3C&QRRW.KF2?3!W_:%?PJ<8V.66YU<R3Z8._[0K^%3C&QRRW=)$0Q&(DA@
MQ7$,:5.,8K_I$(10!"%?_K>]ZREN]5`H%`H%`H.;F:?Q/EOQQ)YK0UMCI##/
M]2U3L"=MO.Q*WC9;#;[,&VV/?VFQVO9W]EW_`-;N]O9V^[5<OK0*!0=78_XA
M9/)#;\B)K!Z(TAEZ*4"@4"@4"@4"@4"@4"@4"@4"@4"@4%!<\?B4\?%&CS8F
MK7'\PQS_`%+3M=.&K(]@_#L1=$+W%<806-/#68YFMSHPQEI:5Z(UX1@;%QB9
M4@2D'%&":BPHR[VO:Z=%;=RNX3[W4J-EN9UEFH?C2!0!0Z*H9%6F.*'I''6Y
MS-;2+E"5-\2;.#QM`+M&.Q:-G;Q#`24"P0!$:89V7,-,$)1,S.J<U4=,8']1
MH9]E([YG1UC.LO1CI'A*ZBE`H/_0_?Q0*!05]U)?49J^U:'S.^UWAJX]FD>5
M):T8E`H%!</3/XCD_E5'\C%6>?PU]>DK,UPT*!0*!0*"ONI+ZC-7VK0^9WVN
M\-7'LTCRI+6C$H%`H+AZ9_$<G\JH_D8JSS^&OKTE9FN&A0*!0*!0*!0<T<N?
MB3,/*YG[HJM<=(89?J7//(NKI#C_`"SD/%5H,;(%\!Q5&LH7.;I8UEN;JC>Y
M.!@="C&DU&)$Q-T92'E*SC%B\MT6@,[$3<I+"(ZSEUF%C"\8F_E\IEK#:(MD
M?*..D$'72I7C2(ERL]8S21G!OQ"-T@S7)M[)6EIT;6CCYL^3!OW%2MQ..0KB
M[H2MFE$L7UHC#I$WJE(=2Z*VITW3@?&2B3+MA2A'*+/R@Q6J<QQ,<R$D''>7
M0(R&X+2G.#939U&?<\ONW36!>QE+ZT<?^>5K15TX=:&_Q>A^)IOW(*QG67I>
MRH%`H%`H%!S<S3^)\M^.)/-:&ML=(89_J6KJKDH%`H.KL?\`$+)Y(;?D1-8/
M1&D,O12@4"@4"@4"@IYFB=R]@G"AN9G]>W(0MS>:%,G&`)=C#2Q7,':P@"OV
MCO;W:TQB*T99S,3TEJ?JKD3TM=OVI?\`"KJHV<\LMSJKD3TM=OVI?\*E1L<L
MMSJKD3TM=OVI?\*E1L<LMSJKD3TM=OVI?\*E1L<LMU^(<K4KXC%5RPX:A6MC
MC&K5'F7M<P]2H;$IQYP[VM:UQF&CN*__`%O64ZRVC2$CJ*4"@4"@4%!<\?B4
M\?%&CS8FK7'\PQS_`%+3M=."@4"@Z8P/ZC0S[*1WS.CK&=9>C'2/"5U%*!0?
M_]']_%`H%!7W4E]1FK[5H?,[[7>&KCV:1Y4EK1B4"@4%P],_B.3^54?R,59Y
M_#7UZ2LS7#0H%`H%`H*^ZDOJ,U?:M#YG?:[PU<>S2/*DM:,2@4"@N'IG\1R?
MRJC^1BK//X:^O25F:X:%`H%`H%`H%!S1RY^),P\KF?NBJUQTAAE^I:L&VMQB
ME0L,;T0UBM(G0*U0TI`E*I"C.5*$B)0?<NYIR1*>M.&66*]P`&<.]K6N,5[U
M#AK=81P[-Z*PU)=RE`]U([QY5U"A7<LX6S[32[JU1IO8+MMM#!B_2*][T?Z%
MN;P+AN84*,+D:19*8X!3$67&);"`.R8:NP+*!D6&6&_<N+N]H;7[/<M0>RB.
MM#?XO0_$TW[D%8SK+TO94"@4"@4"@YN9I_$^6_'$GFM#6V.D,,_U+5U5R4"@
M4'5V/^(63R0V_(B:P>B-(9>BE`H%`H%`H%!0_4!^(JKR4U_NAUKCI#'/]-)U
MTX1L<RB!8>^9*HV`%TSXLL(;XV!#=)&3=A)%7>NJM;=H\=?N+A_X4@O<-N"]
M1:G9FDJY$N"8)$L2K`DB*`:)*H*4!*&<E3KB0&7*&.P!&HE91P;7[+B*-`.W
MZHK7O1ZJ(Z8P/ZC0S[*1WS.CK&=9>C'2/"5U%*!0*!0*"@N>/Q*>/BC1YL35
MKC^88Y_J6G:Z<%`H%!TQ@?U&AGV4COF='6,ZR]&.D>$KJ*4"@__2_?Q0*!05
M]U)?49J^U:'S.^UWAJX]FD>5):T8E`H%!</3/XCD_E5'\C%6>?PU]>DK,UPT
M*!0*!0*"ONI+ZC-7VK0^9WVN\-7'LTCRI+6C$H%`H+AZ9_$<G\JH_D8JSS^&
MOKTE9FN&A0*!0*!0*!0<T<N?B3,/*YG[HJM<=(89?J6N:Z<E`H%!UH;_`!>A
M^)IOW(*QG67I>RH%`H%`H%!S<S3^)\M^.)/-:&ML=(89_J6KJKDH%`H.KL?\
M0LGDAM^1$U@]$:0R]%*!0*!0*!0*"A^H#\157DIK_=#K7'2&.?Z:3KIPY_P_
M0DV,$K+?'V6QU]CRIQ>'!YA#-`7*'M5BE<2RC$6]FAZ\C(3ROA3(-/EIR5N"
M<O?`#5)F\MLLTH$"9"#GBTG/HWMIZPI(L(-C['%<W2R*(J"HV.*1I%&TS(DB
M*Y,V&AEPT2H*I8N4M;Z\'!$B1G&&`:D*8E.4*X+=EK$4YRGEUI8JJY=,8']1
MH9]E([YG1UC.LO1CI'A*ZBE`H%`H%!07/'XE/'Q1H\V)JUQ_,,<_U+3M=."@
M4"@Z8P/ZC0S[*1WS.CK&=9>C'2/"5U%*!0?_T_W\4"@4%?=27U&:OM6A\SOM
M=X:N/9I'E26M&)0*!07#TS^(Y/Y51_(Q5GG\-?7I*S-<-"@4"@4"@K[J2^HS
M5]JT/F=]KO#5Q[-(\J2UHQ*!0*"X>F?Q')_*J/Y&*L\_AKZ])69KAH4"@4"@
M4"@4'-'+GXDS#RN9^Z*K7'2&&7ZEKFNG)0*!0=:&_P`7H?B:;]R"L9UEZ7LJ
M!0*!0*!0<W,T_B?+?CB3S6AK;'2&&?ZEJZJY*!0*#J['_$+)Y(;?D1-8/1&D
M,O12@4"@4"@4"@H?J`_$55Y*:_W0ZUQTACG^FDZZ<%`H%!TQ@?U&AGV4COF=
M'6,ZR]&.D>$KJ*4"@4"@4%!<\?B4\?%&CS8FK7'\PQS_`%+3M=."@4"@Z8P/
MZC0S[*1WS.CK&=9>C'2/"5U%*!0?_]3]SS9AR.H6UO1*I)E5U5(T21*I=%F9
MLM%*W(].064<O5%HIJF1EJ5A@+F#"466580KV"$(>RUK<[1])3W=)HM]*Y,_
M.K,?W\I<]OJ"CI-%OI7)GYU9C^_E+GM]04Q[E@^`O)`$KP*>.J8LT*@"=RR[
MEM<0`\(#"PG`)53<TL)H2S1!L*UNVUA7M^B]Z<I*B=6#]6G#OT#(?S'R9]\*
MO/+=...S4LBCFDR).CFS2(^2M;DU"%8\@Z3YS,"L`F0D.;P>QJ4[L<EDJ2*M
MBDM4^G-PU13`F%8UQ$E+_6ISRW7A&S[DQ728I>S(\C7NR]Q3RY=`UYC=.LQ.
M#2T3%N,8TJB//T@12`]@8'$;I)$+>0%:I(LI=5%D!-S%EA$!<\MSA&S:?JTX
M=^@9#^8^3/OA3GENG''9F6S!>/64!I3-:<M)1X[&'%MF6\LH`'##;NA&:!+-
MR@F#"'W+7OVWM:G*96HC1D^DT6^E<F?G5F/[^5+GM]04=)HM]*Y,_.K,?W\I
M<]OJ"CI-%OI7)GYU9C^_E+GM]04\+7AN.H&QN0JI+E9V4HD*1(H=5N9\M@6.
M1Z9.62:X*P))LG2A5+#`7,,L466788K]T(;=EK.4[1]%/=TFBWTKDS\ZLQ_?
MRESV^H*.DT6^E<F?G5F/[^4N>WU!3'N6#X"\D`2O`IXZIBS0J`)W++N6UQ`#
MP@,+"<`E5-S2PFA+-$&PK6[;6%>WZ+WIRDJ)U8/U:<._0,A_,?)GWPJ\\MTX
MX[-2R&.:3(H]*X_(3Y*UNJ11NXB5$GSG=.JN0WENSNI:W$IV,;7ENBC4<!2^
MJTAQZ6/IQA,<C$H+VO=SRW7A&STI8GI.724B)-ZYW<7L^62&"7`VSG,3@VHY
MC%6Q`[/T;=']%(#V!G=D29R*+L4K5$B.5]]*5WU)1I0'/+<X8[-H^K3AWZ!D
M/YCY,^^%.>6Z<<=F9;,%X]90&E,UIRTE'CL8<6V9;RR@`<,-NZ$9H$LW*"8,
M(?<M>_;>UJ<IE:B-&3Z31;Z5R9^=68_OY4N>WU!1TFBWTKDS\ZLQ_?RESV^H
M*.DT6^E<F?G5F/[^4N>WU!2<,C<8SLK0T'.*]X-:VMO;C7=U.LH='0Q"D*3#
M<7(^P0V/7KA%7-.'V6[Q@KW[/=J*PDGBJB3*&G^I9"QM[?=<-8CCS@H:#W4Y
M0606C$H<D9I2HLE!W#+V+MV@,N9VB_PVJHP72]#Z8Y,_,"1?.Z65WDZ7H?3'
M)GY@2+YW2RN\G2]#Z8Y,_,"1?.Z65WE!W'3+C9V7*7)R53E8N6&7.4JCIW);
MFG&WM:UQCO9=:UQ7M:U7E*<(1]YTW82CK2Y/S\Y2AG96=$H<71T<<A2%(A0(
M4A8CE*I4I.<0EDDDEAO<0KW[.RG*=TX8H"F@.DE8,LM+DT!PSE$-2$!!EYR]
M_6Y#5MB&#H2.UXM8]=*5CVB+1D@[33A+"+6#[\7WG*=U_G&R5Q7`^GR<MYSM
M#9(]R=L3K3&\]<R9*?7%*4L+(3J[$C.3.9@+;P@6D*B!?X5"-02H*N,DXHP;
ME.YPA)O54Q1_?-/_`+U)OG].4[IPQ;"!BQO+`$L$PR8$``A``-L@2+L"$-K!
M"&WPO]%K6J6ZKO+^^EZ'TQR9^8$B^=TLKO)TO0^F.3/S`D7SNEE=Y>!3B>QJ
MMN.3Y!R8E2IC5`W!'SL^'<2+,2FE)RMX&LL8CW92()O>!:]Q]WNW]R]Z7V*[
MR]_2]#Z8Y,_,"1?.Z65WDZ7H?3')GY@2+YW2RN\G2]#Z8Y,_,"1?.Z65WE"7
M331CAZ7J'-U5SE<X*Q!&I5'SR2W-.$`L!01#O9=:U[V++M;]'Z+5>4IPB=6`
M=M-6%6%J<GQ[<90TLS,WK'5W=7'(<@1M[8V-R8Q8O<%ZQ0Y%D)4:)*2,PTP8
M@@``-Q7O:UKTY3NG#%KM/!=(RHY.G(R<`:A6K8&Y*1?+KF6:H=)0]-D;8V<H
MLQW`,;VN?WM"CW*UMZ*4+TH#"P"4$V&Y3NO\XV3&.8#T_P`O"\#BLC>Y$"//
MBR,OHF;);XX69Y$WDI5"UD<MU=#-S<TR9<0:(DSNCL4<6/L[HPWNY3NG#%(_
M54Q1_?-/_O4F^?TY3N<,6P"<4MB<DH@F79++)(+`246'($B[I918;`+`'X7_
M`(0A#:UJENJ[R^O2]#Z8Y,_,"1?.Z65WDZ7H?3')GY@2+YW2RN\O4UP$QE>F
MUU0S&:*4Z6RP#@TOL@<7]`YDJ4HRB`W+<5`PHSD:JX3@F%VN._=N#_"*]+[%
M=VPJBHO*8L1*R6M(J=Y&UI$#KQ)45&I"\QA2[%A:W-`6W+76/KFUW`W@4N`%
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MF-C<R3LPY`(3HGXLY&F&P'N!TT`W!D`%"\HNZ':[W8=[AV?:$=@N>6YPC9Z7
M_'VE^.-RQT5B?7,EOD::(+$D2F^8IT])Y2J/NF*CXX]"I#('[BP30WVA%DUS
M"0A$(RP0AO>SGEN<(V?5JQYI6>F)))4#P7P98AB[B!4MRYD)J,3)IMLK1(+F
MB=9FB7LZN0FG!*2IU91*@T_M*L#:6N&SGEN<(V8J0Q/2=$G1X9I0N=X\N8QL
M92WC,YS$W(SU$B<&%J:4K,YJY`4V2)8:YRIL3FDMYRHU*<XI@'A+$>783GEN
M<(V3V7M>%L7)V<B62S(<6;591I*`\>5\Z68FY&W&-J#ON3D@EIS1&FT"MU1I
M"35IJ4@Q4J(3EB$::66*<I[?13`"D.G\-D9=I[E$QR7L+K)4T;(R/J-4S.[2
MR3)KQXYC.@Z>0FR](N33EY(:;(S4(%AB[:%`*$(@^Q;E/;Z6FSV?'L#D#0UO
MS+(LB.;,]MR%W:7))FW,9J5P;'),4L0+4QEIYV&)U:4X!@!?VA%:]+GM]0E/
M[5X;CJE0UG%27*R,M`N,5JDQ&9\MB*=B!MCBA"WK;G38TP"4M2M+56N2(LS;
M)B[7%<%Q@$Y3M'T4]W2:+?2N3/SJS']_*7/;Z@IKEUOA!BDYD->L@3QIDQ($
MZ@UI<<S9O1'`;E+#))*4^B-43(M-:,V:8>ZW&Z=_AQ1[>>G&<%06(JSEX^H6
MF6.9\,)UA3<?DU](<#@,9A*$[4?DHM8:7)S1D1LPI*/)(3S`2$\L0$-[!O96
M,-[%=^]J7/;Z@I`[1W3/)E[TI<W"8@,:9&HAJV136:YTCC*XR9M>'.,J&!AE
M\R?6MAES@C>6-2DN4V*UEPF$WM^CN]MY2G&/F'D3P_2,I6N3>5)$=SVB3+X6
MXF&9AR`2B32]L31M4OBXG,Z:%MHW]*5+F^PD@#1'V-/N7W=H4<$MSRW.$;/2
M_P"/M+\<;ECHK$^N9+?(TT06)(E-\Q3IZ3RE4?=,5'QQZ%2&0/W%@FAOM"+)
MKF$A"(1E@A#>]G/+<X1L^K5CS2L],222H'@O@RQ#%W$"I;ES(348F33;96B0
M7-$ZS-$O9U<A-."4E3JRB5!I_:58&TM<-G/+<X1LQ4AB>DZ).CPS2A<[QY<Q
MC8REO&9SF)N1GJ)$X,+4TI69S5R`ILD2PUSE38G-);SE1J4YQ3`/"6(\NPG/
M+<X1LGLO:\+8N3LY$LEF0XLVJRC24!X\KYTLQ-R-N,;4'?<G)!+3FB--H%;J
MC2$FK34I!BI40G+$(TTLL4Y3V^BD>-D>GXH"6UY[E(QP6,#M)R8XFR+J/5S(
M+,Q3%KQZ['J8.ED!TP1*44W>"6L24Y"6JNLL:78N]TY^S<O'TM-J->.8,]-C
M<\M,AR(XM3LA2.;8X),W9A.2KF]>G+5(EB8X$\N`U.J3&A&`5O<$$5KVI<]O
MJ$H5X<CJ@]L-)DF549:%:8J5)R,S9:&4ZD#;7!$%`L$?-332DQ:I86JL(D11
MNV3`M<5R[F`&N=H^BG__U?W\4"@4"@4'-W*O2;J/FWJ+UXXKMF/>-\Z.<,Y0
MZ23KBW2K?/ZMZ:=+N==_WSWCB7&>'^'^[18^&QG_`)$]9B-[/K+QGJD_[QN?
M3'HUU)Z(XC\<<V_U#S+TIW?A'"O"VQX]NOO.]4/A=RB%`H%`H%`H%`H%!S=R
MCTFZIY=ZC]>-^XFP<1XAT<X!R3T?R!QCIUM_Z]Z3],><^(]ON\4XOPWP[18;
M)F/23KBQ<5ZD\9Z]H=XW'E#E+JKT=Q5ROL^(?U_W.3=S[_*_PC=N+\;\`;S0
M79HA0*!0*!0*!0*!0*"`96V_3+(.[<_[;DV2=SI3P_J;XI5][I]Q7X!SEW.W
MANT_]WL^[^MV4%'X1ZO'%D7<ZD[_`+_@S@7$NG/#>8..:6MGP+D#P)O6TZ;<
MR]SX!NW;PK]?B-%ZK-Z;>&\FR/=.IG%>?Y'S7UCY"ZE<Q[%LVW,G(7O&QX9N
MO"]_^%<&W/=_!?#Z$K"40H%`H%`H%`H%!#<C;?I[.]VYRWGDV4;OTYX?U"V_
M!%VRY$XOX*YRVG9PO>O@^_;+:?J=Z@H-`O5XXLT=SJKQ/BV-=TXYTX[G/'/V
MEW?MYY)^"\T[_P!.>9>WX+N^VW3PCQFB]5ML'<F][+7*G,?$.K;GSOS/P#?^
M:^2X-N^RY>]XW7DSA'_>>%]MM.)>$-YH-ZT0H%`H%`H%`H*<:GN@>^JNJ?%N
M8^B.0MAROP3F#DGJ3A+>.YQ+W-YZB<O</W_P'WMZW_X/M*+%JRXD]67UF\*<
M#Z[\X\F"Z4\V<A]--RZ$0CCNX<-\/;?EC<=YW;P/S#O&Z?J]ZHLW3[K?5>XE
MF;B?//#^?]1?-FX^K?OW-')&IKJ3W^3_`/S#N7+G-W!N;/<[=UV?O7>H=426
M^J#S';CG6S:\F9VY;WOI_P`-Z=>KZ9S!P[A7A+8])NWA/&_#^]]O%??=I0ZL
MM@WMY0RAQCGSC77O&72WI-TJXGRYRPAZ4<*ZB^">YRYMN(<V>&MCW=X^%=E!
MC(EZHO,$GY5ZW\W]]LWKMY`XSQGH>X=5-VXK\'XMTRWCFCB'O&]=S@/ON[T)
MM:N?=).LV3^=.I',_3%AVG=Y0X+R+S7!-KRKN']7\/YOW+N<>\';]QC@GOW'
M:J1?P\NIKD_OXYZT=7^3=]S3Q+E_I;TWX;NYN[=1^.^$^)\@;]RMP3PYLM]_
M^3V%"/E$\@=->E*?:>L)Q7E//'&>1NF/4O<?6*Q=ZP_&]I_XWVW.W=XGN7@W
ME[BFZ>[NU1?E>R'[KRE%MQ[^X\N,FY[3E[:;KPQ+N^TY1_I3O['L[>%^#NW_
M`+;WGN57*1T"@IQJ>Z![ZJZI\6YCZ(Y"V'*_!.8.2>I.$MX[G$O<WGJ)R]P_
M?_`?>WK?_@^THL6K+B3U9?6;PIP/KOSCR8+I3S9R'TTW+H1"..[APWP]M^6-
MQWG=O`_,.\;I^KWJBS=/NM]5[B69N)\\\/Y_U%\V;CZM^_<T<D:FNI/?Y/\`
M_,.Y<N<W<&YL]SMW79^]=ZAU1--ZH.Z)>)]:]UW+/W`.)]/^[RCZF.)N.;IP
M/W>&^KAP'@?$O#>_;;BOOVTH=65P;V\H90XQSYQKKWC+I;TFZ5<3Y<Y80]*.
M%=1?!/<Y<VW$.;/#6Q[N\?"NR@QD2]47F"3\J];^;^^V;UV\@<9XST/<.JF[
M<5^#\6Z9;QS1Q#WC>NYP'WW=Z$VM7/NDG6;)_.G4CF?IBP[3N\H<%Y%YK@FU
MY5W#^K^'\W[EW./>#M^XQP3W[CM5(OX>74OR?L\5]:NKW*>QRKQW@'2WISW.
M"E;?J9QSX=QGDWB/+7+_`(5[F_;/X?NU"/EC)#TNZ>)-\ZL<1Y'U&\8_!_F#
M=^NN.^OO.?,'_A3Z_P"RXAO/]*<$XEMO@?=H+>XPY<Z:X\Y/XGRCR-$^5N-;
?]QCES@#?P3BW%/"7$^&;+;[Q[_M>]M/U^VB)S0?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>50
<FILENAME>g655868g88z23.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g88z23.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0K@4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````)P```*<````&`&<`.``X
M`'H`,@`S`````0`````````````````````````!``````````````"G````
M)P`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"$,````!````<````!H`
M``%0```B(```""<`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``:`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#O>C_6;#ZMDNPJZ;L?,I:]V31>T--998<6-VXUY#;+67>G=B.OI_1?
MIGTV_HUL+D<[HM&3]8^H_K3L+*KQL?-Z=F,@'&?NS*LS:UWZ.S$O<RNW.Q;O
MT.5Z]F_])^EKO?5GZVXG6ZGXKK:7=6Q0X9%-#BZI^QQJ^U85KQ^FQ+_98SZ?
MH^JRNY)3T"2SNA=<P.N]/9G83CM)VVU/TLJL'TZ;F?FV-_\`4C/8J_2_K9T?
MJ?2V]4JL=5CF\8KO4;JVUSVT5-L]+U&-;:ZRGT[-_I_IJTE.9U[(M9]<NEV,
MMVMP:07U=K!GY%'2]KS_`,&[T[V?RZEL4=;]3ZQ970WT['8^/5E5W;IWML<Z
MM_LVM]/TWM_?LWK"ZW3D9'U\Z?BUU[JLC&KMOMYV,P\G[>-/^%R68M'_`%U&
MQ,C%S?KW1U+%<74Y'2LG&:X@ME^+F,JM$/CZ-C[$E-['^M>/9]:\KZM6TFJZ
MEC7X]^Z6VRQE]U>W:WTK*FV^W^=]1GJ?S:W5Y;G]==1]8.I9'HWVY/3.K,S-
M]-1L:,6ND=/S:[K1_1=^+NLWV?HO4K7H72.LT]5Q69(HNPQ<2**\H-8^QH#7
M^M4QEEN^IS7)*:WUJ^L+.@].%U;/M&=DO%&#BB2;+G?1]K)?L9]-^W_BOYRR
MM&Z?UD7?5RCK>4T5A^&W+N97J`/3]>P5[O\`HKG+^J]&=_C$O=UC,JQOV/BL
MKZ?7>X,8;;QZV9D->_;7ZS:'T4>G_A&?\4I=-ZMTK,_Q>9>-@9++[.G=+?5E
M,;,UO^SO]GO:S<WVO8RS\_TTE/6X.93GX6/G8\^CE5,NJW"#LL:+&;F_U7(Z
MS/JPST_JUTFO]S"QV^/%583]%ZWC=7KR?2::KL+(LQ<JEW++*S']IEC?TE;T
ME)^FXN9BUW,R\LYI??992]S`PLJ>=]>,[:3ZGH_1]56U0S>LXF'DX./8=QZA
M>[&K>"(:]C+;#O\`[=/H?\:KZ2G_T-^G&'UB^N>2[J=#+.FXV,^JC'#G%K_1
MR[,>>H5^VJ_=E8=]M./9ZE#*_2_PZ$;<>SZS5]?QF-=ACJ./TVC(8"`\?9LO
M$R75OTWT?;<K&Q_9^B]7!6)]=/\`E[J7_%,_Y+^AR/\`Q7?]U_\`T0NI^LW_
M`.3?)_Y/_H3/YO\`H7^#_H/_`,:_^[/V9)32_9_5/V%1U[ZNM+\W)Q'T74;M
MGK4/]3]GY+6N_1_:>G>HRZC_``EN+ZN+ZG\TK/5?JGGUT9O3>CUU/Z;UGT6W
MMM=L^R.J;719EX];6?K/J445>S>Q]677ZOZ2O^;Z7HW_`"1@_P`W_1ZOYC^:
M^@W^8_X'_1?R%<24\:>GV?5KK^'UKJ74+<ZG,KLZ?F9N46,90/T=_3_94RNN
MFISZ+:;;7?3R;V/_`,*L/ZI9V>?K)TVV_%LQL"QF511=8(;8<ZR[KF/M<0W^
M<QV,]K?]'_I'^DN^Z_\`\C9G]%_FG?T_^B_^A?\`P*H?6O\`\2=W]`^A5_3?
MZ'].O_H_]QO^$]))30^J]%;?K9];:"&OKLLQ+"-""+J7V&6_NNW*]TSZI4XN
M+TEN3<ZW*Z+9<_$NKEH%=WJ,=A[;77O^S-HLKJ_G/4_05?I%J8__`"CD_P!'
M_FZ?YO\`G_\`#?TG_@?^XG_H0KB2G@_K$S$Z9U[+/7*:W=!ZPZJZS*LH?>&O
MJI.);A,]!EEF/D9&S&OHR/W/M'H_I_YO*ZET_P"LF'T.[)PL6V['ZATVS!M<
M_:RZJBB[(LQ<C+H]GZ2_H]OINV?I/M'\_P#IOYSU%))3YVQV?UTU=8Z(][S]
M6L7&;AL:Z&9%[VLR>J83G-#W/WX3<;&_\,)L#ZT=(Z5]9NK]9%D]#ZI319]H
M8`6MRV5.N^QN`]U>5;4+W^D__M1^B_G%TGU&_P"0S_R?_2+O^2?Z/]+_`*O_
M`-$^BAM_F^M?\C_TMO/T/\'_`,K_`/=W_1_\(DIP.F_47JW4ZQE]2S/L]&9Z
MO5,>JG<V[%ZADOKNK?V]6O&I9_I*OT_J?H_\.M3*Z#]>NI^G1G]6Q,?'QMEE
M;\6EQ==;597?1;EUVN9Z>UU/J?JE]?Z3^0NP224__]D`.$))300A``````!5
M`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-
M!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("
M`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`"<`IP,!$0`"
M$0$#$0'_W0`$`!7_Q`"!```"`P$!`0$````````````("0`'"@8$`04!`0$!
M`0`````````````````!`@,0```&`@$#`P0!`@<!``````(#!`4&!P$("0`2
M$Q$4%2$6%PHB,3)!0B,S)"8G&1$``@(#``$%`0$!``````````$1`B$Q07%1
M81(B,D*Q4O_:``P#`0`"$0,1`#\`W8Q*XJBG\,:[&@EIUQ-:]>W5`QLT\B4X
MC,DACN]NK\DBS6SM<H9G1:R+W5RDZ\AN(3E'C..7G%IP!R:,(,A#]"Q^@)T!
M.@)T!.@$3?L!@L:;ZJT1K=4"S"2R-I]R*0J)@,&Z*F,E,,H$GFJ!V4/"<O(4
M2=FF$69SAB[PFEXQYBL#$5Z=1FJ;;>AA&JVT+=9&AE1;7V2J-:2S-?4%C6VJ
M"W+#C69]A<7/';.2VE(2>Y&B:9#'W,(4X"A*,^+`,`\G\>J1K+1;FMFR-0[;
M4S#[\HJ3#EE:S<#KAF=%#6Y,;@4L87EPCSVV.C*\I4;FVN#8\M9Y(P&%X"8$
M`32A&$&%&C!IIPSD'C='6>.[0,^FT@M-F8MB)'#4$YC<#=TSF@Q(6AR4NY"9
M"S2%0B!&UTF$6R'J,-05?R(TN/,62,&!9"$.)X%)T(3H"=`+,UUY9-4-I=N[
M3TWIY9-)#.:L:']X4SX#.SCJ>7DQ)T9F24DPR2(Y$L=W(3.[O0"0GGMJ9$MP
M28:E/.*R4,V2:=6E+&9]4R3H"=`3H`">/Q\WP<:ZLQGY`8M"V>SXI<<D9H+)
MH&J836">U6<SQYWC[\0G8#O`#"1R<5J(LT],VJS24X`J$9:@HTPX5QP/;H0G
M0'__T"PV>U9L?33?5IB6G!,RLF>SK;,C=".Z5.DI4--*6U5L4@SS;37*6IOR
MI;&AJG-.VM7,L:$H3E2Q1@1T9.)3>01)!T.B<K)J5T]W+J#=.ME,YK-0[,DD
MBKG]J6Y4DS;E,>L^F+"2EBP\06P8NX%)U[8YMZPDXHM1@&4JO)!F21B$6:`N
MF&H"SZ$)T!.@)T`D+EI5*0;*\.J$)YH4:CD#B:H]-@><$FJ4;>D)2'F%^O:(
MU.4N."#.?J'!HL8_KGJ/AJNK%T<;C.&VN,MN80J`X;;.=-SFMC595X.)#%)O
MLK?Z6)GE+!)E8A)`QAT2"*&,@P>"NW(R\B]0].!XL`_^L#(5[EQXSJ-.9)J1
M57VU%FQ4*)3G`%B8A1!ZJE1H5",1!"A$(+K(U1>0&]XO(4/^6/[`$6^Q3_,K
M4\@MKDIW!MVD9JZ--JZ(ZM:_;!JR6XC"92@=HM)X8N<P('`!WE(5Q>!3=!)B
MU&.WURF,([,YR$?49JKPD^FQ_5ZZ4&QNN-%WRW!3DD6[5,%GYZ-*+(R6MSDL
M<;W)Y9?7.19\K([GGI#,>N?0P@6/7/IZ]:.;4-HO;H01QSP[LS#6#5QCIFDS
MW$S9#<"0J*<K-+'L&F2ENCRP*%!.7^-E)!A6XD)P7]`R-HR>U02N>BU!(L&)
M\=1FJJ7G0`7&?QM*^.'DLUOB[L_*GZ76IQW6?*[3,R(H]F;K<;K:AX94RQ54
MG*`2;'&!A>&9`4+(C35!Z4U9G(`*RR"49--S5^1H//DYJFGB3VZ5(\@"::WT
MXV#R8#`P^U>MA:E9UV,!SZ>@Q(EYF`Y_RBSC/^'1Z,U_2#-T"=71]T1TI>WQ
M2<M>GC4G7!U>%BG&`J%;HX4Y#5;@I/"$(`A./5G#&/&`XQ@6<_3'5(]L+;H0
MG0$Z`G0$Z`__T=0V]R%K@6^?$SL`<$H@X-X7-K.[&X"6`;FCOZDI*"+HSSS4
MXPXPV2V(E'$8":6;D1Q@`X&$PS&)Z&EJR`;Y<+KU\X_=E*GW0IFQ6R-[DGNS
M&R7KKG#3!KC]H-<O'@4E/M5@:<'HXF^0YC296,$G=2RA&>SP6'"G"0K*4RU3
M:AZ&M:=\A5%\B%+S>P=4I"L+E<72JVASA%DLZ5IE\$ECBU+%,3',H\UOCFB4
M,;JI(R(I4@<5"-5A.H*+48-)."73+36R@^*?E9A'(;!U\5EK0DJW:NN6LM7:
M=1C]VE3.36%0G0!L:O`.AAK@NA:Y:J)*4D&&'*F96>`@\9I1J16KB9;5CP?C
M\I_*F3QL6'IPV.47C\LA%X3F:)K?"H$YYET5K2*%PY`KE,.]@N*1%NS>Y30"
MK!"Y,H*<R4!R4K)!@\JB#8K69&!6WM-55)SS7:"SQ2[(P[/S5=7%9S-$F;UD
M'Q.PL>'Z-1A_>,.A:Q"X6`0$PAC$0E5$*U1(BS#"<B*R920W(B;]EL5FL]9Z
M.3"GE+B39C1M1AD@!;$3[F0GS>30]>&,%LB<11I9RXU>U>$L/]^3CB^WZ_7$
M9JG9&(1"RH?Q@TEQH:=2.*O,LD5KO-=:R$/$85-Q+(SSTV/)5DSF;D)P.*5*
M&E?,%YQY9!!8C,E'BSD6,@P$P3<L$+@(9&^#_P#TVJ](0-"?7W(C<+()M&40
M#V#>A\,>;B,C1E$M^1ECC9Y8@D!"`/CQZ!"'(>BZ6_\`/@1A;FVEEZ^\RW)>
MTP[6]\VY4;$QR<:[/]01L4A*D3C$G9I@92I6UE1")R]Y6_'QE@-1#)`BS@1:
MGRC,QDKT'.LTDG6N0E.(S>KDPJ<MMXTX+I.QV%*-?CG60RACN"Q?PI8];5I.
MI.FD@3I$EE^4QRIL8W">%'E#2-JI0)$N3%%)NT1'=5)+*NY-DK3.X0_222PU
MCF45>9?#`M@IA%&F0M#C)(F%Z(,4LPI*QHUASHQ!=DQ0S$V5117G`'(@=V,9
MSU3F9#^0K="B*K_8+I"3;2?/&TKJ95\79T.&9N')$D5LB;19[GS-8;G&T!BA
MV6%,JR=-1YV$90EX<M:0XH@_Q!`;.G1)NC@)*ZN<#CIB&_-6WRBLN67!`(GJ
M79=9H%=8UTZ*C&*=6=;=;2)::X%SD$%6@&5%ZQ"#.2,G>,"KMR#U,%Z)(JN(
M]PK>;"W*\NGA"O&VZXDJ*00.U8[K?*(*\!\B,3TV/6PM-O*4L"%:%.N3N9"$
MDW*E&:6!2E&0:`T`!%#P$]$K^D-4U62)XMJUK$PK'!-DQOHBF(\0H-&!)AQ6
M(JXCZ8(4Q1IN1".4A2B&$H.1#],9_KZ9SU2/;`)Y4N0R?\<D@U"M(<8:93K?
M/[/E58[$IC&Q6=*VA,Z-;`\PZ30=V2KB2D[Y'6YFD"H3>H3*"'@DO*?O3&8+
M4EQEJIGU&V,[NUR!I:WYC<$CLRO;<A=V=U0'EJ4+DUN28I:WN")25D12A(L2
M'`,+&'.0C`+&<?3/5,B\.1S=[.KFA-\;4T4^UK8$HKI7&(Q&/<NB:61$V8O=
MIQ*NGEI<RXX_MYRQQC);ZJ.4HBU92@DQ(+!F,8`,/1EJI<!H4C:3%=]-U5<D
M94IU<?M.NX=8#2<E%ZD^SEL?0/A1/;DPT91J;WOC,+&+)A1@!`'_`"#GH1XP
M6AT!_])HG.OMJFM[8#4#CSI=7/XS:<;W0UYELCOJ*)%9*2J[*DC8OCT`B<37
M$'I!.]BH&*V2)&<4`].%*5A&`)@S#C\)HS=5AMZ&X1#1#431#6?8F3(HXJE3
MZYTO:+K?%_VLY8FMU6:S@A3DKF!TLGSKDA>4WNB5"(P;<B&A;O+C`_%Y<B-R
M)+;0D+A!@X]?-G-/#$C=F.MNY'&'+)9*VH(22BY#9-<[&O:Z-R\XM"`S(E!E
M/G(0%#4X!@0%!F?*(P7B"1JV4_)?KUII8$XT\JG=/3Q(GCV[.E^P6Z1];`;$
M@O\`V*GH9NAL2SNU#2<I.>F52).LBZ(0&TL\TPP\9BI'C(!.0U!0DY:>F<N4
MT0']@%1N;)XZVJ(3]A:=:YTK4)LJ3F'@@FPDOD\@V%M!.H/-0D+TX6*90J/1
M)U6IB0Y5-B90,D`@FX#ELOXCR#!M1M2];*Z/:?\`&8X,$UB?*Q6^Q5'U<IKQ
MV89*B6P.6TZWND<:K]4SI`UJ(Z?%I!#5R5URX-YRO(2UZE4248B3^ZR]NA*&
M[?R?-Z*4Y:8Y^`N0SD`GU2*X7HU?&OSZAK6FL'JB,M`+2C)LGN-P;DC4-D`^
M.3VB9TAV.P_(RS?0I&C()$6?,A.N4NC*>;R]:RJ"V.(JUYI)$R6#QW<9NLEU
M>$03'(LNOV-+$!R"6)2D(#S7!L9D+\F4&8(P8:868'!01B%C&:^$JI5@<?UI
M+[3W-.>3%S/"-`X3V]8O?:=J4X!E0!/:CQ:ZAR#@_P!VK/4#;#V],6?@0A!`
M(X&<&&9&+M(76C@J-C*>!?M.7ZUJBRDF)/")))F/(LJ1@<5$NH*`3%:8C,5=
MPQ&X,-78-[<X+`,DT`/X!QCITK_"&<;F:S7`'E(X]-K=::JD9SL!;+J[VLLY
MI=FA%"S:+"2VIRFB>LZAR0K'!Y2-[VY'-)^`&^4],F!VFF(TH2G3*?U:9>M2
M\>[K2G)Q?.\D*GJ'-:;)4S]LV)5*LE:0Z-MMH'VOSVZ8LJD@DUM<61:SQ-:,
MX"@9*E,N<S\E^4HW&"71,U2%*[;.6O&IO,9L?9.VU0Q.WJMVTT@:9)5T4ED&
M8IT@G]VU27$X2VU2S-TH9WEO#.98V0+V:,10<=ISHA+$`65/>!TJEU4/IX9_
MQT036.]-9'^!T'5D+'R,TY96MU[TM\2TSANU]V,DFO,IF;;,]<IG+4+]*X,R
M(90G=$+F!*>!M`VI@#P3C`B`I0F4\Z$=7AOZB+X8Z%XZCS71+=<-ORQ6NX6!
MR1+D:V*U_7LUD$RC;(^`5>U[7%RE\V2D)B@A/P07&E(#@EF>+(IPW'V;'Z<O
MS+8F[$MX]>.'765I&FR'R%OFW3])`*U9+?"DE;U:[M=./Z]Y93_>,Z232,UY
M0)UH/JE5F)308,SD(>J^&:X^395-LV?*N1?@'V`:KM+6E;8Z02`EKMY-)2QI
MY(BL&A)`A&Z25]1F@).R\RJH7!S2JS<?P&]Y6=N<^,1?3@U91IC*^(G=.#OO
M$!6UUV+*4Q*+5FLY;7]M*AGEC4,**B$:HMB2G=P@"4.;A5I#&I)+_P!T\U8`
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ML!MR%BIVWIK`F5<F<<U]%(?(UX4T%9GU2E+"XO*E6J;\DY[3%&2@F-[DV117
MW9V?(>ES2TKXX=G-%&2O;KF^N-;VW':EUF@DW8'*6W5K7/Z1;XVRRFGHJV*G
M23VG$ZL+:VM?G$;)6GFMZWRA[RO4P`BZF,)XLX(;6^@NN<5<)>R3F4`CTID%
MBO\`'WUGDB`%N32PYA-+CCQ[S'UK@SJGN&VI('AG<PDFYP0XH#RLA`(`@!J)
M;;+OHN/ZJ-<VO]XUT/J(V;R.QP*=CR:MDK"[KD]K-Z$;>>&PV./NJU/%IN8G
M*&)84>G1K%)V3#E`1G"&/(.<26LI_&/Y";?>?8?Y7^#5?$>Y^W_R%]M=XO>_
M&^7_`+)\'Y.[R^+_`(_=Z]WUZ$_PXK9>,4M-M?[>ANQ;Q&8[1\L@;_&[+D$O
M?V>*,#'&7M&-M5/"J3OYI#1'5+::I`<D6G##A*L`48'/>$/0JF<;,K[5Q\1M
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M;D3<3WK?9ZRRX;6\_:;'3`0)3D\!%+7-N%*\*C5B#WS6ESDTPT*0P`R5):4X
M$9JK:TBA]3^/&NM5]HX'8.TG(#8FX.UBN,2^/ZT1S8:QR$K[&XV<U#!.76K:
M[E,]F,LD4A#&D:@IR<42C*8M&:J-.38-'D\`-RL+`-7)WJGP]WQ$-HTK5<>B
M=-[SOQ+J8"7/^P]:P62M]P1IZ(>5C5.XRJGJ-`Q/,M=&PUJ?5JEK^1!A:<<=
MY#@YQDX+5V4;@YS@KHVQXC>-_P!O[I6#7JO=.55A65?P&IPVO5<TLV,ZO0B/
M0\E).2(W`I=)CT-=3$_,:3HUN,`)4C;0JAC-RX%'&D+/4://R@:I263.^Z]R
M<=^QNO+3)Y_4N*PY)->I):=<,+(-JPA6@8++D;F\R%#'*>LI&Q)%Y)JF1'LQ
M"I+A4HPH\IBP*DQ5Z30%EH\64'F%>.(M0^3'5"M-`9.5KB5OC%4VPD><:\BM
MEP1M9(V:_M$P8"I#$UJZ8N9WR21KD+BQ$K9`808,1H0(0(T%^7JLFPZK&Z`,
M]8URT50H8U=6M<#B#=6JJ,.*-WC2F`(8^WIH<HCSLWG*4#HQG1TI,)(H(,,)
1/3Y`,`A!%C.:<SO.@)T!_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>51
<FILENAME>g655868g98s77.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g98s77.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0I<4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@`````````````!#@```:0````&`&<`.0`X
M`',`-P`W`````0`````````````````````````!``````````````&D```!
M#@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!\`````!````<````$@`
M``%0``!>@```!Z0`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!(`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5))))2&W%IM?O>';O;J'.;]'<6_0<W_2.4FM#G/DG1T#4^#5&VFY
M[]S+W5#V^UK6D:;MWTVN_G-S?\Q3K^E9_6_@U)2_IM\_\X_WI>FWS_SC_>I)
M)*8^FWS_`,X_WI>FWS_SC_>I))*8^FWS_P`X_P!Z7IM\_P#./]ZD@[K++V^F
M[;563ZAT][H+?3U'T63O>YO^$_1_Z5)2S\>NUVU^XM86O:`YPU]P_-=_T45K
M0QH:)AH`$DDZ?RG>Y#LKL>^&6NJC:26AID>[V?I&O1&!P8T.=N<``7<2?WM$
ME,DDDDE/_]#U0$$`@R#J"$I$QW\%E9W3*:F77X]#'![?=4RKU'FP[6UV5[KJ
M:_T45NV?\'_.5I872Z;V-NR:&-$ES*W5>G:QVYI/Z1E]WM?Z->[9_.)*=&[[
M5N9Z`KVZ[]\SVV[-O]I/7]*S^M_!J:^]U18!39;O,$L`]O'T][F*5?TK/ZW\
M&I*9I)))*4DDF<X-:7.,!HDGR"2D5KW.<**S#B)>X?FM\?Z[OS%G]0^L'2^C
MWU861Z@>]K7,#&%PASO2;+OZP6AC5AE9?M+7W.-CP>9=V/\`48&L7%_7C_EW
M%_XFO_S\Y)3V=OVC?^@#)EN[>3]'W;MNW\Y%9OV-]0`/@;@W43^=MF$.RUU;
MY;6^TNVMAD2)W>X[W,]J=[KG4;J0&V$`M;9(`\6OV)*2I+'MZIU&JQU3F4"R
MLN#V_K!!D5NHV6MQBU_T[/4V;_\`S]Z1*L[J=UGIU,QW.!#G;G7-_1DG:]N[
M'VN=LV?V_4K_`,&DI__1[?ZY_:_V2S['ZWJ>NR?0W[]L.W?S/OV)_J;]K_9#
MOM?K>KZUD>OOW[?;M_GO?M6ZDDI%=E44%C;GAAL,,F=2%*OZ5G];^#5(D#DP
ML/ZVVV5=!RWUO=6[U*AN8XM,.?4US=S8^DWVI*=U)8/U0WW]!ILLML<\/L:'
ME[G&&O<QH]Y<WV-;M5BGKW3W=3?@-R_5M;N:^HL<TL=7_.N-FQE;J_WOW/\`
MJ$IUD*_W;:OWS[OZH]SO\[^;_MILC,Q,5K795]=#7&&FU[6`GF&[RU0:ZN\/
MR&$/K+-M3VF6EI&]SF.'[[O_`#VDIL`@\&5PWUX_Y=Q?^)K_`//SE'_%TU@S
M,K:`/U>KC^L]/]>"!UW$D_X&O_S\Y)3VME]5+R;7!H=M:"?'WG^",H`Q8Z?`
M?]^4TE(<C[7L=]E]/U--OJ;HF?=NV?R$1N_7='.D>"DDDI__TO54DDDE([J*
M;VAES`]K7!X!_>:=S7?V5!^/CY#;:[ZF6UN>"6/:'-)`:1[7)[J#:YCA;95L
MG1A`!F/I[FN_=4Z_I6?UOX-24QIQL:BL545,JK$D,8T-;)U/M:H-Z?@,O.0S
M&J;>Z2ZT,:'DN^G-D;O?^<K"22G.S,;#;6&Y./5?CM(]!MC6N#'N_1LK:'@[
M6/W>G7^Y_-_S:MT8U5%#*&L:&L;M`:T-;Y[6#VL;_(1DDE-?'Z?@8Q)QL:J@
MN`#C6QK"0.&G8`E=T_`R'BR_&JN>T0USV-<0`=T!SA^\K"22D-E%-SG-M8'M
M]KH/$@N@HE=;*F"NMH:QOT6C@(=E1L<YH>ZOZ)EA`.A<=NH=])$K86,#"XOC
M3<[D_&(24R22224__]/U5)?*J22GZDR!F%S/LSJPV?TGJ`G33Z&TM_E)K7F@
M/M<X!A,_1<X\!O#"OEQ))3]1U6NOK%E3@6G]YCFG_->6N3-R=]IJ:\;P2/YM
MX$CZ7O\`H+Y=224_4=ESJMOJ.$O,-VL<[7^R7*0-I:'AS=I$ZM(/XN7RTDDI
M^H:LGU]*G@F)$UO;I.V??M3V9'I.#'O&XB=*WNT_L[E\NI)*?J.QF5$U.K#R
M6SN:8VB=W#OI(E?J!@%I!?W+00#\C*^6$DE/U4DOE5))3__9.$))300A````
M``!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````
M$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X
M0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("
M`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`0X!I`,!
M$0`"$0$#$0'_W0`$`#7_Q`"G``$``@(#`0$!`0``````````!P@)"@0%!@(+
M`0,!`0$!`0$````````````````!`@,$$```!@(!`0,&"@4+`P$)`````@,$
M!08!!P@1$A,4(165UG<)518VMA<WUSA8N#$BM+4905$R(]-4EI>W&'@S)'8E
M84*3--35)E97$0$``0(%`P4!`0$!`0```````1$"(3%1<3)!81*AP2)2`X$3
M0K%B_]H`#`,!``(1`Q$`/P#?X``````````'73&7&(B4RT3D576(Y]ELE#GC
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M3]J]6P^.LF)W^YO@K6/I^U>K8?'63$[_`'-\%:Q]/VKU;#XZR8G?[F^"M8^G
M[5ZMA\=9,3O]S?!6L?3]J]6P^.LF)W^YO@K6/I^U>K8?'63$[_<WP5K'T_:O
M5L/CK)B=_N;X*UCZ?M7JV'QUDQ._W-\%:Q]/VKU;#XZR8G?[F^"M8^G[5ZMA
M\=9,3O\`<WP5K'T_:O5L/CK)B=_N;X*UCZ?M7JV'QUDQ._W-\%:Q]/VKU;#X
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M6N[6'CJW`7=_%5&KYK]F;S)(VR6:/GW<P8\I.N;BE&D:QTRFMF-;/5ZDKO`@
M`````````````__0W^````````````````0SJ_Y;\CO;-!_EZT.+.5NWND=4
MS"*````````````````````````````````C+=?U-;;]F5]^:LJ+;RMW2[C.
MR31%`````````````````'__T=_@```````````````$,ZO^6_([VS0?Y>M#
MBSE;M[I'5,PB@```````````````````````````````(RW7]36V_9E??FK*
MBV\K=TNXSLDT10````````````````!__]+?X```````````````!#.K_EOR
M.]LT'^7K0XLY6[>Z1U3,(H```````````````````````````````",MU_4U
MMOV97WYJRHMO*W=+N,[)-$4`````````````````?__3W^``````````!QW;
MC#1JY=Y1<.,-FZSC*#1$SATOA%,RF46R!/UUW"G9[)"8\IC9QC'Z0%&-6<ZZ
M[L/4U:VK):NNM>0M'(2&X]I0<1)5>^.*W.6#8%<UTPFM@R5:E5&&O21UAM#=
MI)1LMEK*H/B'3;(/$%&KIR6CEI<Z*D^;,?,VL-CS4Q8ZQ7-CT6!9.M?)/;KJ
M:V57;=UKFPH]P]NS9A%M)N`TK,>'8OU6SXKIS'I.$T"N5E&HHN7`6"(LU>A;
M5"O".X&P0T=8(E_V3HIN8B68HR+!YV5BD.D19FX(?H?&,EQGRXP"(ET])QLO
M;.1,A$R#*48+;GAL(O8YV@]:*Y2X_:)25PDY;**HJ935(8INAL]#8SC/EP+.
M5NWNFJ<Q%`````````````````````````````%?=)<I=&\BI38$+J&[)6J2
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MU64,5<B)$R@`````````````#__4W^``````````!Q7K-&09NV#GOO#OFJ[-
MQX9TY9..Y<I'15[AZR6;O&BW8/GLJHJ$53-T,4Q38QG`5IH7$C5M!IL]3FKB
MV3I+1N2M;SL5BL5@7D;/-W:D[$K.Q:8I*2N4D_&-8%[3(IF;)B=^_:M<G=J+
M.5UW"A:NJ/POU!X$[-H_V#%KMVD9`5V6BKF^8S%+H,-`[%JL3K.IO44<>;J1
M%UG;=B9-$E"K/F99!-9!TFY81B[(5E:>+C(^%C(Z&B6;>.BHEBTC(R/:)E1:
ML8]@W3:LF;9$F,$2;M6R12$+CR%*7&,`B)]7_+?D=[9H/\O6AQ9RMV]TCJF8
M10```````````````````````````%>=T[$L[:1A--ZE6:YW%L!DX=H2KEL6
M0C=54-!?#&<VO9&6?ZE<L>J?+6#8+9*68FC$1_\`ED7JB.HCK.23IU<K0_&7
M3'&V+EF&IZ@W@GMEQ%*W&Q.';V3L5QD(E!PFA)S\I(.'"BK@RSYROW2.$6J:
MSI4R:1.WG`773=G)$1"?!E49;K^IK;?LROOS5E1;>5NZ7<9V=IL37T%LRM_%
MJ?/(-4F\Y5[3#RT0X2:3,!::58XNW52P1*[AN\:>-AK##-E\).$'#-T0AD'2
M*[955%2*BJE\6-4:_LU?LM80L;,U=DSVAO"*V%XZ@7^Q5Z=,:\?;2F&:V#.9
M&_RE&GG<6[='6[AR@H4ZB!ET4%4BUEVM#XZ4#7=]/LB#6GG%I<U6>K$H\E7<
M<ZQ,*VRYXO\`:['('2BFSO$W8+.7Q"J2"J,4WSD_A6;?*BN3BJ>00```````
M``````?_U=_@```````````````$,ZO^6_([VS0?Y>M#BSE;M[I'5,PB@```
M```````````````````````B?<>UV&I:LC*8BW=HMMADVU6UU1(M0B<S>KO)
MIK&B8!BH<IR,FA2(*.I!\H7*$;&MUW2OZB.<9L16>R3@ZK2FJWNOXV9L=RDF
MMFV_L5XVL&T+<W35(U=RJ3?*,;5JTFYR9S'4*D,CY8P[3.<9PE@[E;!G;ERH
MHF:Y9";1%`$9;K^IK;?LROOS5E1;>5NZ7<9V2:(H`````````````````__6
MW^````````````````0SJ_Y;\CO;-!_EZT.+.5NWND=4S"*`````````````
M````````````/-W"W5R@U>=N=OEFL'6:U&N9:9E7AC81:,FI,G/G!"%.LX<*
MFZ$113*=9=4Q4TRF.8I<HBN`@?4%1LUUM"O(7:T2XB+-*QKB)U/K^2+C*VHM
M<2)TESXD4.T9%/9E\*@BZGEL8[QDD5"+(;)&RIW&IFGQA(UE9P94``$9;K^I
MK;?LROOS5E1;>5NZ7<9V2:(H`````````````````__7W^````````````?!
ME$R&3*=0A#+'RFB4QBE,JIA-1;*:>,YQDY\))&-TQUSV2YS^C&0'V``(9U?\
MM^1WMF@_R]:'%G*W;W2.J9A%````````````````````````?PQL%QDQLX*4
MN,F,8V<8P7&,=<YSG/DQC&`%/:_DO*6\L[NZ(=7CQK"PF6UTP5*;#+<NR(%T
M9$^RWJ1^B;_7M$D43I5Q,Q3)2,LD>4QDR3>/.;7&*?\`29[+AC*@```(RW7]
M36V_9E??FK*BV\K=TNXSLDT10````````````````!__T-_@```````````&
M.CE=IB_77DSP_P!ET?6V+8KKO:%<S,VF;>0DC4:E1UT[:OL1Z>-6DH.Z4FXM
MH@K5:&E(=9['SCS!(Z::&228=X6,I>$FN+]]C$3WBGZM:,;[(WW<L_`T&%C]
M$?0]!Y;7"J5_CVIL>JVAN[(C7D-:5'#V9>U%SBR,'DY,&9]MRY1[F+7NRH&[
M62FP3)2GR7/9,8N3E*;I^KDQ<&)DQ<9_3C&<=?Y\"LH.T\G))6SD226=LGK_
M`!N>&[YS'1Z\6T4QGC]HG*6$F3F3EUDLD2R4INK@_:-C)L=G&>SBSE;M[IJG
M,10```````````````````````%3-FR4GO>Y2G'RG/G+&AP96O\`N-NT:X6;
M+)QLBV3>,]'UF0;&341M=UC%R+3CE$^%(>`6P7&2.I!J=+481Y=4[+2QD9'0
MD;'PT.P9Q41$,6D9%1D>V19L(Z.8-TVK%@Q:-R)H-6;-LD5-),A2D(0N"XQC
M&,#*N<`Z)S:*RS75:N[%!-7*)NPLW<R\>@ND?'ER15)5P51,V,9_1G&,@5A_
MC\<:C_\`M5<].1G_`-4"5C5V[&1CY-'+F-?,Y!O@YDLKL72#M'"A<%R9/*K<
MZA,'+@V,YQUZXQG`*CO>&%,Z6V_A$Q"*YU??\)'43,JF13-3ENP91(JB)E"%
M-TSDN#DSG'DZX_2+;RC=+LIV<3:D!LRQ:X=URF2T&C:I5U&,IB3S)S5#25K"
MDFB:T-(&8C8^]S%7G)2O%59-7R:;A9BLOXI(Q%4T^D:8Y=)<8M\),=*5W:E4
MF*W-L:+0JY>]G5Z[4R2=U/5;3@X^T=8=%QTZG*JVI]9&'(Y<UTP9"(=UU1=<
MCG#]PNU33S%K"R_&>H;;HE[GXZS4TS.B6.JOY6*L;]:)Q*UUM%WB0^CS6:$=
M$3",?`13:N6*3E,PC.)RR@'3I1HA(+MO#HH5)HN\"`````````````#_T=_@
M```````````````$,ZO^6_([VS0?Y>M#BSE;M[I'5,PB@```````````````
M```````KYNK9%CCWT'J#5.6SC<NQ&CI>,>.6WCXK6=+:K)L[#MFUMNVF12.@
MCKE0BV1S%-,3*B+8O1'#I9#41UG))TZI%UEK:M:GIL92ZNF[.S9&=/9&6E'.
M7\_9[#*N5)"PVRSRARE5EK+9)9PJ[>N38QWBRN>R4I,%(63-9JKWP@`-&KWB
MWWWN2?M'>_L$>/1;QASNSE2L5&W+[D+[FDI[:KQ^X:6./Z<G2W)DWW7]36V_
M9E??FK*C-O*W<NXSLDT10````````````````!__TMDZWH\G^."W*JSZB<\D
MM@V!SRBJFJM,EVG&<A>3U$A-.RO$W2VV)FX1M"CK:WE'=>4WXI8:X:T1R,GB
M+>NU(U0I$6RN6<:PFCP%,Y2>\FC&?(BT2G'RZ-R34#KK8VFH:PZCW%<D(^;L
M%=XKL]ZP+N#8D96F$@=,15WG).M51DBM+W&68SJ"*WBHQ5HH*1ABMM/W3FQ=
M-5\`[57JY%U;<]HWA+J[OA7M<VE`:O:T3'&'E0JS>;3KF&WQXI-;EK8RJ[I"
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M:MZS9]IT*+H[S$FRB)-L\L.'F6BIU4,$%(EE`XG;,O.ZM"TC<M]B$JXZVSB<
MV-3ZSX`T?(US4UOL$I,Z:BK*@9V\S\="ZK=1"LYT,4B<NJY3(4I"%P*DX318
MP$````0SJ_Y;\CO;-!_EZT.+.5NWND=4S"*`````````````````````*L\R
M]Y7GCKH2R;2UU1$=B6F-F*I"L(!T=]EJ56TV..KK9VLRB^DI*F-(22#=%JV,
M199PX3Q@W3&<9U;$7329P29I#XXDUFPFULUW!LR%D(O=^\6L===G$FFBC*1@
M^TFX^*NOHZ.<*+NZ_4Z)!N2MV,<J?ODE57#AUU?.79SKIQI'&".^:U(RH``-
M&KWBWWWN2?M'>_L$>/1;QASNSE2L5&W+[D+[FDI[:KQ^X:6./Z<G2W)DWW7]
M36V_9E??FK*C-O*W<NXSLDT10````````````````!__T]_@!0KGER<V/Q?A
M]$66DUZ&FZU9MMV=#;BKMH_F;,AJC5''K>')2^Q>O*\R<L$Y"^66I:.?LHU5
M=8Z*+E0B?<*'7(JW+$5J\SJKGT^VWLNB:JK6H8E_/3UIOT-<;#`;EJ]OUW6X
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M2XZ8*4N,=,8Q^@!]`````(9U?\M^1WMF@_R]:'%G*W;W2.J9A%``````````
M```````````%8MG$SL/>^FM6DQWT'02N^0M^3[)LHF7@5UZMIZ&=]4E$L^<[
ML]?SC?RD,5>HX-VL=.R?481,_P`3JLZ,J````T:O>+??>Y)^T=[^P1X]%O&'
M.[.5*Q4;<ON0ON:2GMJO'[AI8X_IR=+<F3?=?U-;;]F5]^:LJ,V\K=R[C.R3
M1%`````%=M;<K-&[:O-XUQ1K-87MNULW>.;TRG-9;3I<=6R,31/?)R%CNM+K
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MYYI$(3%NJ5$CC*$<.3+VV]S+&O5*%,DR0<JMW$W,2:"*9U2D2+WF#',4G4V`
M_P`8_9%%E+7::0PLL<XM%*:5-[:(O!E4\Q*%YDI^'J>%7BJ2;!9Q-2U6?MDT
M4E5%BKM\IG*4QB8,'H?/\%WWAO/43XCQ7@O#^<6??>,\1X3PG==]V_%>*_J^
M[Z=OO/U>G7R`/__4W^`'"=1T>^7CG+U@R>.8=Z>1B'#IJ@X7BI!6/?Q"K^.5
M5(=1B]4BI5TU,JEDI\MW*J><]A0Y<A".U;12M`4B"LL308-R^S=:'K"A5R%9
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M````5%Y$<C;3I':/&VHMZ5`.:'NC8I*#:ME6RR3%?AZI*2!425Z`C3Q55L4>
MI:;&<ZYF"<JYBVSYPV38H*'5<G69%B,T/'Y\OTJB[F7&H/-5OKFJM@;XV#K2
MU6#8M#N%%U/K"HZ_M%L/(Q5[T96I5YL(ZVRH]C'1J33$&^<HO2^>TS,UB8%.
M[(R8Q2%,<YBD(0N3&,;."E*4N.IC&-GI@I2XQUSG/Z`1!VGI.-E[9R)D(F09
M2C!;<\-A%['.T'K17*7'[1*2N$G+915%3*:I#%-T-GH;&<9\N!9RMV]TU3F(
MH`````````````````````K#QJ__`#(NS=]+XP?Z:+NX4IZV28P8NHM?%5I>
MMNX/W2:IH^QILI"S(E/DV29L1\=<8\F-7=(T2-5GAE0```&C5[Q;[[W)/VCO
M?V"/'HMXPYW9RI6*C;E]R%]S24]M5X_<-+''].3I;DR:;P431TMM]990B226
MK[^HJJH8I$TTR5.6,=10YLX*0A"XSG.<YQC&,#-O*-R[*=G/NMV5@:+(W6KH
MUBQMF"2+Y5]-7:.I],803=XGBQV:?NJC*;;14#6(9-R]<JIM72F2MLDP3KG)
MBQ50ZMS:G;66-=L-(2.&,E-R&O&S#-JD27.0VVUXV3O*>-@(>I/*"R,ZI%EU
MG&L\,)ARZ92IWTFBBK"H]A7)2T[ITTIR!8;>E['`+Q475)ZM-\%7KSJSY<6B
M0=Q\U+0UEDV-3E(*N6="D13A./;I2;YFS=YE5WL:\8L'D<JFJ)A8D$`%$=O\
M*L[1;[\R2^5Y)QN;<>EMR,H2[ZR+L'7+20TO3M=U=A3]E40]VK>-K4BPO*`1
M\Z:%?P:B:BJ>$E2JMB+F+$JA6_W15>6KDE&(;<UDQKLM5=4Q%Y^/G'6%L[:1
M;ZO2W@F>.CWZ.SZFM3-?(-MO,DX&+9K$<UMM4HIMB0=LR*-S2B^79/\`KK@N
MG%<,K9QG9;KJFQ?CE882PNM@V34\#>:;,NH`U!P^A[5KV8N<T2P1$ZYHABO%
M&<]%S37#S*L?(L9!N@^(*XUHCBG>ZO8QDG4+=;]QQEZOU%G-$2E+M+W6DN^4
MUHRTWS!=<FK%2]2R5ZVWL2_TJDWBK+GHI6;BQ2KF-BS'.JY?MLXC"*'EV>7T
MO[H*"USL=I?[MM:I7LC1+,B6*KVAX[79B[$+4K;56^XF)B;$MD!7]IHGL#.0
M+)1<4Q(E(1:2K=%#.2=RH3<\75O<S:WJM/:TV<VS0Y*:B:'NRNU1Y]#F&C&G
M7S<W^U6`I>Y*C6['MRU.*UL*HQW%WN%'4<\:GF)"=66;'C?#]PX4/).<)[M^
M&;[?<[):[FK'B4]S.=KLFU>U8PBKG<&Z/*>J<B+!$[UNS?8#MUN6PTFP53-5
MJ4RHQBLU"$D'C8[1\JX.;*AY845Q>>X]B9"K.JJ]WC4%V*A];1_93T"]C$K!
M$:^HNS]=+7'8GF/=\3(7CD)9(+8V'CF\&=,S8FVZ[HT:JB[\(@H>79=7^'/K
M+S5WGBJS](?^[W_=5]+OT<1/TC_7#])?Q)^-7G?XP>-\P?\`H/GGQ?\`TO\`
MN/!=/^V%2K__U=_@``1?M[5L7MZHM*Q)/G$2XA[OK;8U>F6B*:[F(MVJ=@UK
M9-5>=R<Z7B&*D[5D$'S?"B?C(]9=N8Y2+&R`JJ?W8?"5W!W2N2^GW%@AKX[L
M"LVTF]B;.>F;1=BK-YJ*U4KSOXXI/:S2X6#V98"P\2P4;L85S+N'3%-NZ-A8
MI:SJF2B<5=6ZSV-7+W1X]6OQU0K>W(BM4QLL\=PD;.;UO-2OFT+81:6>R+W$
MC,R%%C6[-!(R36+:>*1;$(DZ.F45E98$````0[L30FJ=JVFA7.]59&;G]<2W
MGBNKG>/VS598B#LC1I88UJY1C[1&1KQYEXT;OTG"35X7O4L$R=7O"U>;/Q4T
M(K'8BU:)E5IXC!E,JVJZ*O',7B";5CXGOI)2QFD7^N#5YFDR-6%U5*Z9N3!,
MLLE\@%96&!$,ZO\`EOR.]LT'^7K0XLY6[>Z1U3,(H```````````````````
M"O?)R>EH_5;VI5=ZHPNVWYB)TW2WC?!<NHV7OZJL;*V-J4Y3D,I2*<G*3QL&
M*;&4XLWZIOT9U;G7I"3DFJMUZ(J-=@:I7V:<=`UB%BZ]"1Z/D181$*Q0C8UF
MEC^1-JR;$(7_`-A1G/%7=`````-&KWBWWWN2?M'>_L$>/1;QASNSE2L5&W+[
MD+[FDI[:KQ^X:6./Z<G2W)DWW7]36V_9E??FK*C-O*W<NXSL['9.LZ7MVINJ
M/L"+<S57>R$)*.XUK.6"O&7>UR98V&%5/(5J4AY/)&4S&-W&$^^[LYTB]LIL
M>0171Q>D-:Q%MB[VVA9-S;(=LD@RF)FWW.PJF<HQ,C7D9Y^VG[!),I:WI5N7
M<QA9MVDM+EBUC,\.?#9[H"K[J6DM94:R)6ZK5L\78DZY(58TCF=L;[+J,F)U
M&S3;F0:R4N\92=BGI]LFZD)APFK+OU2%RX<J8QC`%4J@```K5S(U59MY<5M^
MZ>IA&*EJV3J^U4^!))JM$8\TE-1RC1OXQ1^@Y98;]I3];"R9TLX\ABY+G.`6
M)I,2Q8QW!SGAJ"5-5]`[)HM7JC_D99=A6FT5ME7M1PUOKLQ4]"0.M[.IJ74<
M51:77)'6$#KBP0MBB#L)F-M[E^UE%FZO?8:0L6L=4@T#C/SLU-9+%7Z=..76
MN+=RC:;!=R,GR$L;YY7=<Y]Y)-<BKI)1%>E8%]E=[M+B_<L5F7B2/&A%W<;(
MG656,]1*Y%8EW]+XN\X:^;4L[(;WVK(V"M1G$R4N\7+;ND)VM3]M9\F"/N5[
M24B9%%PSEH!SQF7<,8EMC!&ZCTQ#D+XU)%RF*P]_N'C39=M[8Y%RDC7;`]N<
M+<N,.V..%I46+'TU$],HUWHU?AIR8?(K,9"#UML.U7&QS<.Q5;3A6DRBLU.1
MP[9',(G)Q-*:OY`TC;G'2FV:F)15<U%8>24:QOD2B=^6RZ&>U&K,2*[$MB$K
M*1\EL3;>YY*$LRAG&(Z8FG$-(O%8UL5JJ=084EE/%9`'_];?X``&NQ[W'F1R
M7X\\D*32]-;5EJ-6)/2-;M#^)81-8?HN)Y[?-DQ+J1,M-0<FZ*HM'PC5+)2J
M83QA'&<%QG)LYZ66Q,8PQ=,U8M/XH'/+\1-C_P`-T'U3&_"W1*SJ[RL^\VYU
M/K)7V3OD)8EFKR<B6KE'-<H9<*MW#]NDLGDQ*H4^,'3/G'7&<9\OD#PMT(F:
MQBW5AP=````````$,ZO^6_([VS0?Y>M#BSE;M[I'5,PB@```````````````
M````*OYS](_*C!>O?5OC=2<'SCK_`%*FWMPM#D+_`$5.T5_3=4,#=<&+V3(7
M#&<9SG&>SK*W=.JT`RH`````T:O>+??>Y)^T=[^P1X]%O&'.[.5*Q4;<ON0O
MN:2GMJO'[AI8X_IR=+<F3?=?U-;;]F5]^:LJ,V\K=R[C.R31%```````````
M``````'_U]_@``:GWOV/O<:Z_P".51_U,V\.WY\9W8NS85QMEZ2G?*ZJ_P#D
M<'^\VH$9P_1%'F=0```````$,ZO^6_([VS0?Y>M#BSE;M[I'5,PB@```````
M```````````Z:Q6"(J=?G;38'J4;`UJ&E+!-R*YL$081$,R7D9)ZL?.<8*DU
M9MCG-G/DQ@H9X"%>,D!*Q^K6UOL[-1A==PSDSN:Y,U_(YC)2_K)R,-6G.._<
MD[RC4M**@,=E0Y<DBRY[1NO7.KLZ=(2%@QE0````!HU>\6^^]R3]H[W]@CQZ
M+>,.=V<J5BHVY?<A?<TE/;5>/W#2QQ_3DZ6Y,F^Z_J:VW[,K[\U949MY6[EW
M&=DFB*````````C*Q;@H54EW4%./YMO),\-S+IM:7=I5MC#ENDZ1RE(1-=?1
MSG&45B]>[5/V#=2&Z'*8N+22KQL_R9U-7H&;GW#^U.D(.(DIA=LTUUL+Q3A&
M,9K/54&WB*P@AXA8B&2D[9R$[6<=38QUR+XRE5->'WO1*'RB=WV/GM<V'5SR
MGYBW4>9JO.;*9SD5*K2"*:KE>MTQFK`R3<[+':053535*?)DUC=@Y2ZN_.;:
M8I%U5X?]P6K/A:Q?Y=;']4ABDK5)5:LT/;HE&;@EG:\<NHNDDJ]BI:&7,=NH
M9)7JQFF4>_(4JA<XP8R6"F_3C.<"4HKO@`!__]#?X``&I][]C[W&NO\`CE4?
M]3-O#M^?&=V+LV%<;9>DIWRNJO\`Y'!_O-J!&</T11YG4```!Y.R7VBTU_5H
MNWW2IU63O$XG6*5'62QP\&_N%E614<I5ZK-)1XU<6"<5;I'4*T:%6<&(7)L$
MZ8SD!_H2[TM1F]D4[?5SQ\9,.:](OB3\49G'S[/IXR#>NL.\H-)AIU_K&RAB
MK)_^\7`#U`"&=7_+?D=[9H/\O6AQ9RMV]TCJF810``````````````````5?
MY+Y^.*6MM!-\]LV[KH@UMR1<_K)Z@H14;GL_+@N%"F\W61HR95A;/84QVK&3
M&<8P;M%U;UG1)T6@&5``````!HU>\6^^]R3]H[W]@CQZ+>,.=V<J5BHVY?<A
M?<TE/;5>/W#2QQ_3DZ6Y,F^Z_J:VW[,K[\U949MY6[EW&=GO966BH*-?3,Y)
M1\-#QC99[)2LJ\;1T;'LVY,J+NWSYVHBU:-D$\9,=10Q2%QCKG.!%<'-JK&%
M.YS8X'"WF=M8>ZS,1_>>8'J^6S.<[OQ':\SNW)<II.>G<J'QV2FSGR`.^```
M````!_#%P;&2FQ@Q38R4Q38QG!L9QTSC.,^3.,X`1_0=3ZOU6E,(:SUW2=?(
MV%_B4G4J96(:M)R\@7O,)NI$D0S:%=J(E6/A/M]<)E/G!,8QG.!9F9SD2"(`
M```/_]'?X``&.#F![M+5/,K9<'L^]7S857EX*C1E#;Q]3/6RQRT=%S]FL*+Q
M;$Q!R;GQJCFT+$-V5,)]VF3H7&>UG.K;IMBD,S%54_X#O'7_`/L&ZO\`XE&]
M4AK_`$G0\>[GQ?N+./,5)QTHCMW<RBT:^:/TDU5*1W9U&;A-P0BG8JA3=@QD
M\8STSC/0/])T/'NS>#FT````HCR\T-L_;.R>,%SU;%TY*6U==[.K,76RR31=
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M$S-(C$R=W3KA6-@U:`NU+FF5BJEHC&LS`S<<<QV<E&O$\*-W*.3E35)VBYZ&
M(<I5$S8R4Q2FQG&$Q,32<QZ40``````````````!6/6IL;"WUN':)LX6A=>)
M->/5$/C.#)F<1*C*W[AF6N?UC8Q)7%Y&P;C&<EZ+U+/ZO3H<VIPB(3K5-FP[
MQ#:RH%YV38RO3U[7U/LUXGB1J";J1/#5.%>STH6/;*KMDG#TS%@IA(AE$RG4
MZ8R8N,]<9C&:*Q5_QO>&GP7NK_`\#ZZ#?^=R>4'\;WAI\%[J_P`#P/KH'^=Q
MY0S"#"@``T:O>+??>Y)^T=[^P1X]%O&'.[.5*Q4;<ON0ON:2GMJO'[AI8X_I
MR=+<F33>!3'TMM\A5#HF/J^_E*LGA/*B1C5.6QA1/"R:J63DSGKCM%,7KCRX
MSCR#-O*-R[*=GFMUZ^L]RU]!Q$`NVLTW5]D:HV#F/M3ME$M+:VUULJMW=W$/
MG<7`*QS20,UA<J1I_!$0+)MVN53I$[:Y(TJ/CB7L&N06I'D"E'%LU2JB6+K&
MPDK$OX%(L7LNGW2`USKEA:(>'C%$Z>BWPO`R$@FPC2.J7#(.&*3-]()X%<V1
M2N>?_B]`_&OS9\:/,T7\9/,OB/,WG_P*'GCS3XO_`+KS9YQ[SN.]_K.Z[/:\
MO4$=R``````````````/_]+?X```````````````!#.K_EOR.]LT'^7K0XLY
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M^3(3$QG"O9B```````(SW)L-+5&KKQL(S/SFZK4"Z<PL-@W94L%G=9)'5.M-
MS9.GC#NRV9XT8(]3%QWK@O4V,>7%B*S$#CZ1UZKJO5%(HKQ[YTFH>'PYM4ST
MZ9L%WG73FPWNR'+USV%+'<99\^,7'D*9QG&/)@)FLS)&#PW,3[H_*;_CEN__
M`$SLX6\HW2<I:$8]#F`/T:1YG4``&C5[Q;[[W)/VCO?V"/'HMXPYW9RI6*C;
ME]R%]S24]M5X_<-+''].3I;DR;[K^IK;?LROOS5E1FWE;N7<9V2:(H``````
M```````````__]/?X```````````````!#.K_EOR.]LT'^7K0XLY6[>Z1U>8
MYB?='Y3?\<MW_P"F=G"WE&Y.4M",>AS`'Z(U.^2-5_\`'(/]V-1YG2,H>C!0
M!Y"X:]H.PF.8N_4>H7B,R4Q,QUPK4+96.2'QG!R9:33)ZWR4^#9QG'9Z9QD6
M)F,I&/N@<8ZI[N^<N6T=-,+59].[`7B"[KJ<@=*P6C7D3"/YM>!O6OS1L6TD
M)>ITU*RNRS44X*[D3QO1XBX559F;.=S=-^$YLT\62.)EHN?BXZ<@Y%C,0TPQ
M:R<3+1CI!]'2<<^0(Y9/V#UL=5N[9NVZI5$U$S&(<AL9QG.,CFT[```````5
MCVJ?X_;MTMJ%(V58FLKN>0>P4B9SW>6=%>(Q.J8A[V5R93S*[-D2337JF<IS
M5-7'4O3RZC")E.L+.#*JY<Q/NC\IO^.6[_\`3.SBV\HW2<I:$8]#F`/T:1YG
M4``&C5[Q;[[W)/VCO?V"/'HMXPYW9RI6*C;E]R%]S24]M5X_<-+''].3I;DR
M;[K^IK;?LROOS5E1FWE;N7<9V2:(H`````````````````__U-_@````````
M```````$,ZO^6_([VS0?Y>M#BSE;M[I'5YCF)]T?E-_QRW?_`*9V<+>4;DY2
MT(QZ',`?HC4[Y(U7_P`<@_W8U'F=(RAZ,%`&&+DM[XBM\<=X[`TH]T1.6MU0
MI&.CUK`UOK");R69""BILJJ<<K5GZC7"1)3"><96/UR3KUQUZ8Z196(FK/E"
M"_X^U1_#/8_\SHSU*%_S[GE"R/#SE(V?:[E=\UFBR=)XISNQ;;#W.GN9@MG<
M\>[21*&FG^P81RTC(XY=*6=]/*J3,>5`Q:P\[3]+)8Y5V1G+HKA_T1KT9>T%
MT'2"+IJLDY;.4DUV[A!0BR"Z"Q,*(K(K)Y,FJDJF;!BF+G.#8SUQY!S:?Z@`
M```*P\<\&NDAM??3GJIC:UU7A*2J;RX2U%JM:0IM(RUZJ*_^GV>:)-65#.#8
MP=*?+GLESUQC5V%(2.LK/#*JY<Q/NC\IO^.6[_\`3.SBV\HW2<I:$8]#F`/T
M:1YG4``&C5[Q;[[W)/VCO?V"/'HMXPYW9RI6*C;E]R%]S24]M5X_<-+''].3
MI;DR;[K^IK;?LROOS5E1FWE;N7<9V2:(H`````````````````__U=_@````
M````````!AZI?//>,I#;"B["TTXWV73$]A;(<1C>O6\M)::HIVMI:Z03"(N;
M.]2T%L)+84M$KMH:Y1;O#([*.DEW,*@Y9Y8GC5(9=8V1))13"6*V>M$W\>UD
M<,WK?*4BU(Z;$<X;.VJ9EC)O42J=E1,N39P?&<8SD5E7G6-XA277D2;+*WYP
MKN.$4+V->WY0V"XX_:+2Z*%)6C&1/VD\Y[)\%-DN<&Z=DQ<YLY6[$1FXG)F4
M/>.-_(*EU6`N\Q9[?I':]7K<2CKV](K2D]/T.>B8>.26=UUNU24>R#M-(IE5
M")ER;J8V,=<X1G!,82T_/X?7-;\-&UO\.J?VH[^5NKGXSH?P^N:WX:-K?X=4
M_M0\K=3QG1NK5FY1;&MU]DZC;HBZ9P<2U<HFUUL`V4G#=@W263SDE9,3.2*$
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MIS(5XJBNH+#(K)I0;KO#?%YXJ6/4*6/.T,UG*/\`Z,MEPOCY"?W&Y_Y<["]5
MQEJC$'[VFI<@=QU[23;C76-R3#Z!F;PO;2U"#N]640:OV-93B#/E';6#P\(H
MLU<=W@N5.QG!LYQCKY=V3$5JS=$]&%#_`&N>\R__`)WR<]*VK_[P.E;.S-+E
MA>,M%YSZ1V7F1V56-\UTFQ*W-Z;I,K9RV^<CXZ^;+*W@(J=3C45Y55=>G1:C
MZ<-V43F*A&*9QC.?)F3-LD1+:&J4I2J15JW3*W#7%A7JE`Q%:@V)-<[![+2(
M@V#>,CFV,XJQ<9[EHV(7KTQUZ=1QF:XMT>@^/D)_<;G_`)<["]5P6B$>3,H>
M\<;^05+JL!=YBSV_2.UZO6XE'7MZ16E)Z?H<]$P\<DL[KK=JDH]D'::13*J$
M3+DW4QL8ZYQ8SA)C"6GY_#ZYK?AHVM_AU3^U'?RMU<_&=#^'US6_#1M;_#JG
M]J'E;J>,Z-W'X^0G]QN?^7.PO5<>=UH?'R$_N-S_`,N=A>JX%#X^0G]QN?\`
MESL+U7`HU,^;/#;E3L_E=O*_T/06S[%3[5=W<I`3;:K2#9"28*,V29'*2#]-
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MABX:@M''I7,>U3,I1)"]4^*UK1]G5+6^S*R_ED7\Q)1E"L.N)2WW`LT6`E9!
MPC*0\J5B3#I^QAF+..),NC^*;P3M=049!P0`````````````?__6W^``````
M```````$,M>.>@6<5(02.E=6&A)6XK["?PSFAUEY%.+PX8N(Q6U^;WD:NT3G
MO-KQ9N5R0A5"(+*)ES@ISXR6LZIF!$,ZO^6_([VS0?Y>M#BSE;M[I'5,PB@`
M`````````Z^6B8N?BY&#G(YC,0TPQ=1DM$R;5!]'2<<^0.V>L'[)R15N[9NV
MZIDU$U"F(<ALXSC.,@*H5"6E.--D@M2W61?2NDK$Z3A],;+FW2[MW2IATZ(C
M$Z1V%+N3K'525*KA&IS+DQ,.TDRQ3DQGQ&JLAJ?EC&:98=%OQE0!6)Z3.Q^4
MD2TS_75GCE2U+"XZD-E!7;NW&K^#A2E,HD9/+^FZN821U,$,4Q4;8CGKGKDN
M-96]Y3JLZ,J`````````````(RW7]36V_9E??FK*BV\K=TNXSLDT14-$XY\>
MTX:7KB>B=-)UZ?>8D9V")K"D$AIN0P^>R>'\O%E@\,9)YB2DG#C"JQ#G[]PH
MIU[1S9R6LZO5S>L-=65RH\L-(K$VZ42KZ!EY2&8OE,-ZKF?S7FI#.$5.Z:1)
M+7*D22+T3PE)NT\ER1RL4Y'N@`````````````!__]??X```````````````
M!#.K_EOR.]LT'^7K0XLY6[>Z1U3,(H```````````#S=OJ%9O]7G:7<X5C8J
MM9HUS$3L+))959R$>[)DBJ*F"F(HD<OD,FJF8BJ*A2G3,4Y2FPC#&!7:@6^T
M:=N$7H_;TV]GX6QO5V.@]MRY^_=VYJU9*OOHPV+)?J$QM:!8-5CLWIR)IV:.
M0RM@V9!)VF;4TF*QFF6"S<S,1E>AY:?FGB4=#0<:^F):07[7<,8R,:JO7[Q;
ML%.?NFK5`YS=,9ST+Y,#*H&XOQ$EC66=A6)BK'V_>-AEMT69FZ*F5[&EN96O
MQ-KCW)$TS9<TS6L?"0I^WVC=N/SUSY>F-79TZ0D+%C*@````````````",MU
M_4UMOV97WYJRHMO*W=+N,[)-$4`````````````````?_]#?X```````````
M````!#.K_EOR.]LT'^7K0XLY6[>Z1U3,(H`````````````\;?Z#5=G5.6I5
MSC"RD%+II853*JLT>L7C59-W&3,-)-3I/H:>A9!!-TQ>MCIN6;I(BJ1RG(7.
M+$TQ@8O]L[^<Q-LJ'N[]QS3J>O6T+-KRO_2F@V:XC[_H><GEC2R%O9M<=N#V
M9<(NMNZN_11;&CUU)#$FF=NDKX5#<1A-\1@S,]&7$I<%Q@I<8*4N,%*4N,8P
M7&,=,8QC'DQC&!S:?T``````````````1ENOZFMM^S*^_-65%MY6[I=QG9)H
MB@````````````````#_T=_@```````````$67/=VI]>7*AZ^NU[@:Y<MFR.
M(FCP,BNH1U-R*ACI-&V%$TE&L<:4>$\(Q,[4;D?OLE:M\JN#%2R*.$AR$T0X
M9-9(NY=7I1[^81@(YX[O5:8MY*9=1:DZQCXU5Y)($D7$G`)&D&F$.\P[C^CI
M')T,X4R6DI@!$,ZO^6_([VS0?Y>M#BSE;M[I'5,PB@``````````````CV<U
M+K"S7:M[*L6OJ?.;`I[?+6K7.5KT6_LM?;Y4<+%1B9=RV4>LB)+O%E$\$/CN
MCJG,3LF.;.;6:4K@42$(```````````````C+=?U-;;]F5]^:LJ+;RMW2[C.
MR31%1A9MU:BIA[$G;-E4JO*U%U",K0C+6*,9+0+RQQKN:@VDHBLX*JS<R<(P
M7?))GQ@V62"CCIW)#'P'9--IZV?RZU?87JJOYQO(P<0M$,)R/>R*<E9HF0GJ
M^TRS:KJKY5EX2)=O$.A>BC5HNKC/814,4/>@`````````````#__TM_@````
M```````%%=U\8]HWW;>D=@5;9K=-+7^T(^XS<W.-$HFX-Z8R86M.=U0F2DQ\
M!5[_`*XO3";\S>&GV*\E7RO7D@W>NU5LMR%B<WAEN)&VK'5))[99+7</O"=-
M/(N=N5BW;)3<TUU+UQI7ZI/ZIAH:.HT93Z]IM%BEYBJ#M&51?9QEP[F"2"T@
M]D8M62$V,F*8N#&)DQ<XP<O9R8F<XZ8,7!RG)DQ?TXZXSC^?&164':>:+LK9
MR);.9-[+K)[GALGD)%.-2=K=OC]HDY<*DB8^+88PD4V"%["!/U2X[74W4V;.
M5NWNFJ<Q%````````````````````````````````1?O`ICZ6V^0JAT3'U??
MRE63PGE1(QJG+8PHGA9-5+)R9SUQVBF+UQY<9QY!;>4;I=E.SU,I`2LA7\PS
M2[V>#DLF2S\;8MI3%K!C";C"YRX;3=1F*KV5TL=R?K&9SA//4N2J?KB*HG'\
M++K0]BS&T*)M52YSYM@06RHQCN!I$*(3%FSKOD'KRU+VN6U[4JJ[6;K)[Z.\
M9(D15221BD8Y,K9OW*C4M7/C^'5LUXM03:<NL;75Z#KS6=$)-RAW;I_:9&IT
M^R4J0NT[%2D5:(6/D8E`T6]9-8HC`TIAY8&;QVEB8.[3%600$```````````
M``'_T]_@```````````````$,ZO^6_([VS0?Y>M#BSE;M[I'5,PB@```````
M````````````````````````(RW7]36V_9E??FK*BV\K=TNXSLDT10``````
M``````````!__]3?X```````````````!#.K_EOR.]LT'^7K0XLY6[>Z1U3,
M(H```````````````````````````````",MU_4UMOV97WYJRHMO*W=+N,[)
M-$4`````````````````?__5W^````````````````0SJ_Y;\CO;-!_EZT.+
M.5NWND=4S"*````````````````````````````````C+=?U-;;]F5]^:LJ+
M;RMW2[C.R31%`````````````````'__UM_@```````````&-OD_R:M=#W;Q
M7BZC>9:K4:R;DS0-GTDVNFB-\N:<FYCHN.DHR$VI%UJ6G]6QCUQW#V9I[L\@
MU=O6JJ"<H3&6"I8C-"$KS9W-&P<PTEK?KJ/MU?TE=]\%FJK\7+AK2W6R*JD+
M.ZUXV5RQ'>1YU+?=UG4PXD(S&36%*)AVR[1;NY(CA.+2&9$V<E*8V"F/DI<Y
MP0O9P8^<8ZX*7)S$)@QOT8ZYQC^?.!655ZA;[Q`7C>QR:)VC-M9O:,++L7T1
M-:0(WRW)I#3D*HDJG-;CAWB;A-Y#J]<=UDF29+G!L]<XQ<)B,4R2)]*%W_#C
MN;TYQZ^W@*1]H]2O8^E"[_AQW-Z<X]?;P%(^T>I7L?2A=_PX[F].<>OMX"D?
M:/4KV/I0N_X<=S>G./7V\!2/M'J5[.D7W'?$K'%0V..6WNY?PE@DS]J;T!XK
MO(E_6FJ7<Y+O;PV&_9FS][@^<'R;N^QC.,'Z*1]H7^.[^E"[_AQW-Z<X]?;P
M%(^T>J5['TH7?\..YO3G'K[>`I'VCU*]CZ4+O^''<WISCU]O`4C[1ZE>Q]*%
MW_#CN;TYQZ^W@*1]H]2O9TEEW'?(2N6"91XY;>[Z)A)632\7-Z`,U[Q@P7=)
M^)PVWL9SEOVDL=O">,G[/7LXZ]`I'VA?X[OZ4+O^''<WISCU]O`4C[1ZI7L?
M2A=_PX[F].<>OMX"D?:/4KV/I0N_X<=S>G./7V\!2/M'J5['TH7?\..YO3G'
MK[>`I'VCU*]CZ4+O^''<WISCU]O`4C[1ZE>SI(K<=\?O[*U/QRV]V82;0C$>
MYF]`84[M6N5^9SXO*N]L)F<=]+'Z92ZD[KL=<]OMXPI'VA?X[OZ4+O\`AQW-
MZ<X]?;P%(^T>J5['TH7?\..YO3G'K[>`I'VCU*]CZ4+O^''<WISCU]O`4C[1
MZE>Q]*%W_#CN;TYQZ^W@*1]H]2O9TB^X[XE8XJ&QQRV]W+^$L$F?M3>@/%=Y
M$OZTU2[G)=[>&PW[,V?O<'S@^3=WV,9Q@_12/M"_QW?TH7?\..YO3G'K[>`I
M'VCU2O8^E"[_`(<=S>G./7V\!2/M'J5['TH7?\..YO3G'K[>`I'VCU*]CZ4+
MO^''<WISCU]O`4C[1ZE>R.=P;#V#)ZDVE&LN.^VF[V0US=V31>1G=!XCT73N
MLR:#=9]EGO%T\PS354QE7*22BG8QGLE,;IC-BD3$U)QBE%A92U-H&OYL4W$6
M=JB0R15XJ+K<M=+`@==QALGC$)K]M;'SLO:-@YS-BK$23SVE,EQ@W9RK%?7^
M8NT;')HQ-FOU9U*SM5\7935BEH:F2K'1,!'M.7J?F^R2:TXE#Q$RXM7':+B'
M$9.%7>*8=NG"#Q%R]\U5R-42;5N4VW64U1I#;46WJ<%>J+JS:\I!0\,UDY"C
M0$MJ^XVFWUEV55TC*Q3M>5KKITB:2*L[<-*E8D61#N<QB2M2C)4"````````
M`````#__U]_@```````````'7/8>(DG<0_D8N.?OJ^^6E(%X]8MG3N$DG,7(
M0CB1B'"Z2BT:^7A99VS.LCDBAFKI5+.<IJ'+D/[YIBNSV?-D?V?.'G;L^#;=
MGSKWG?><^G=]/.'??K=]_P!3M>7KU`=@`^<%*7)LE*4N3F[1\XQC&3FP4I,&
M-G'](V"$QCKG^3&,?R`.!,3$57HB4GYZ28PT'!QSZ8F9B4=(L8V*BHQLJ]D9
M*1>N3IMV;%BS0.JLJH8I$TRY,;.,8SD!$R?(G2QW\!$GOT6SF+)-GKC"$DFL
MM%3;.=+(5>)2B[)#24>TE*<[>2]Y@FC4LNDQ\6ZG8Q%'O%)!F58M'!8<G=!2
MD8WF8_:-9=1CF058)NTU7?=E10@8JU*V!?!FA5&M*+4Y^/EO/ZN"0>8J0:/,
M._#.4%5!24\`CY[)<FP?)2Y.4IBE-TQVBE/DN3%P;]."FR3&<X_EZ8_F`?0"
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M-JHJ4F%S-E>QVNP;H'K`'S@I2Y-DI2ER<W:/G&,8R<V"E)@QLX_I&P0F,=<_
MR8QC^0!ULY.0]9AI:Q6&48PD#!1SV7FIB3<I,HZ+BXYNH[?R#YVN8B+9HT;)
M&44.;."E*7.<@(L;<AM,.Y*OPQ+[%HS-ED589C#OFTI&RS"92EFD`6&M$9(,
M&KZE2[JPR"$<W:S*;!=U(KIM42'7.5/):2_CWD5HYBPE)579]3<1<'8+169V
M1C)#$PQ@96BIM%+Z:>=Q)'J$+$T##Y'$_(NC)1\&=3!'R[<WD`I*:`1\]DN3
M8/DI<G*4Q2FZ8[12GR7)BX-^G!39)C.<?R],?S`/H!$4UOK4%=E9V$FKW#Q\
MK7$C&D&:Q7V5%W"3VOQCB)@S)M#I6BPLY2W0[1Q&1AG<@W=3$>BHB55\U(L6
MDO@G('2)R,CYVG2$<O\`65HW.@DZGV+-REJJD/8B,N-]?-':J+J,K=6DYUJU
MD'#DB16CE3*2O94(H4I*2]S3[G6K[!IV*J2992*.^EHI50S5]'/&,O`2CN$G
MH66B91LREH:;@YF/7:/&;M!%TU<HG353*<N<8#TIBE.4Q#E*<ARY*8IL8,4Q
M38Z&*8N>N#%-C/3.,_I`?0#KSQ,4HF\14C(]1*0=)O7Z1V;8R;YZD5L5)V\(
M9/)7+I,K)'!5#X,?&$B=,_JEZ!QW]>@)0YE).#AY%0SB*=F._C&3PYG4$[,_
M@W)C.$%,Y<0SX^5FA_Z3=7.3IY*;/4!W```````````````__]#?X```````
M``````````>9NJ4NO3K:A7GM<C9]:LSR4'(W".7F*E'RZD4Z)&O;3$M9*'<R
ME<:O<D4?-DWC51=L4Y"K)9-@Y0Q%NJ'K;PNP65PWLU1GHQ:KQ?+N5?:\VQ*[
M`M3J)W52)B"LK=8S*N+UVTVF0C\PS)%C&.(IM592$>PR",*Q8)/8UC_'B+WK
MW3I:+.1]WY$)+32_%U&'L-@U[I_D`QL3/AZUT]7X:<M;2*U[,2=B,XE&J",U
M+H+96C$7SJ'8N&WB6C19Z,:Q@SHBL@``QF<AJFW>;FCWVS-LU&'-*7?4B_&N
M(S1]A/H>J7*K[FT;*)QDWBNFS7+)L#9FR"1<=)/7+]K(1]06-EBU:LVT\]>E
MCL\;<Z1H9S19*/M&[H=A+_1-[QACLZQQ.NK2:<43MU[O"N^+!#01/'V-E4M4
M;%5L:<*P67=FDTD\ECUW6>VLI%QT7BT/%$C)/>QY2V15JV')[C:R.U<5^NSU
M9K5<MF=+:<95ZNP#.P/Y=P\:(ZI95MVNZ2>ND5G[QQY45,*-D*D]%@P0`5"Y
MBPSN5H+=>5N59J^I89&8E-XQLO!6N2?W+6Q"QK>0KCZ5I:;ZP0&K3/7"+BXG
M1:]TO$(=V\=-8WQW>EA4>VT?31]8<@VETWG5R5*:X[<K8?7\K(:SN2+FC5"?
MV9L23V';K&A(N7ZUPL]#M,JUBXYG'(LY-\G#N';8BWG#";.+BO3"QE&+RIO<
MS$66$/>%=,TB,MM.CXE4LHU;H6FR.HBRSTZ@3P"SM^P<I-4FBQO&IM6R2F<=
MP=$5.BQ@(`/(;`;V%Y1[8TJ,I68.U.8"4;UN9N<2O/52)GEFBJ<3)6&$;24,
MXEXED^,FHLV([;&7(7),*DSGM8#%O3*3KY.<E$R;K99G(Z^<4V/(XTQ0=HRE
MYLFP:GS'MLQIB95DY5K5TX2P;1W467B)0GFI2'95T\<Y8HQ\$G'Y6C3UU[J=
M14U]M]W5-KZ^1T6CN>ZV??$,UIEP*W>4<U*UA'2>MS3-+1=R#?5+;LLI&X/H
MQKF/=0Q\(.G;:/3D>]&C*2*R``#&9NRIMW.XWKK96V:C'2\O9-62''1@E1]A
MNX>GJ5GDAQ_?H5QXA!&^+ECL^QMSMX!E:9`\BE)LXATU,D@R8-WR[F-1D[C6
M=1U^CL6I?$_<%,=[G;ZQYY,)99UKF:RA(7&U<K]<S&Q[,\A9*68/$->ZMWHP
M>Q4;$/)8BLNS?F/&OSIH.'@J?^+#\58RO1NM9K-:LQ[*SD=J[:DY/&8>V0R=
M>MKF^S9+U62I7[![V^<Q=U1D,O'DLJLZ=2"CA0G<M\H-D!.:R@(`````````
*`````````#__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>52
<FILENAME>g655868g98z62.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g98z62.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0R@4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````WP```-\````&`&<`.0`X
M`'H`-@`R`````0`````````````````````````!``````````````#?````
MWP`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"@,````!````<````'``
M``%0``"3````"><`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!P`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5))))2D'(RJ,9NZYX;/`Y)_JM'N53J'51233CPZT:.<=6M_\D]8S
MW/>\O>XO>[EQU*2G1OZW:Z1CL#!^\_4_YK?:J=F9EV&7W/,]@=H^YFU!214I
MQ)!)))\S*V]>RPSP5N)*9"RQO#C^7\J(S*</IB1XCE!224WF6,>):9\1W4EG
M@D&08([A6:<C=[7Z.['L4%)TDDDE/__0]56;U7J!I'V>DQ:X>]P_-:?^_N5S
M*R&XU#[G:[1H/$G1K5S;WEQ=;:X29<]YT'BYW\EK4E+`0DH4W4WB:+&VC6=I
MDZ1NEOTOSFJ<>[;^=&[;WB=NZ/W=R*%))$$$`Z%T[1XP)<DDI8\%;BPSP5N)
M)4DDDDI22222FSCW;O8X^X<'Q".L\$@@C0C4%7JWA[`X=^1YH*?_T>\ZW?NM
MKQP=&#>[XGVL_P"CN65?L]"P6.#&.:6N>X`@!WLU;8'5N^E]"SV*SF6&S+N?
M_+('P;[!_P!2JU]0NI=426A\:C6(<U__`'U%32=TJIEM5F3<"ZO=#7,,`#;L
MKI]>W(L:VJQGK>B^R[]+_->G76@NZ#2UC6OR(<Z0)KC=]'V!C;-_I[G>OLW?
MSWIW*5_2,.NH.LO%5;`T2YK=N[:RGU>6_K%FSZ?\YZBB.G8!R#8[+8]XM:'#
M:WESG/#):[^<N_FGVL_P;$E)&]%M-UC['`-GV`CU/5A]EQ=G:U^ONWLIL_X+
M]%_PBT*V>G4RN9V-#9`@&!V:/HK._8V/<UE@O=8TL+=Q$[@=XK+2Q]>W]$^N
MBS_3TT5*_C4_9\>NC=O],1N@-G4N^BWZ.V=J2F9X*TNHYOV*AEHK]4V6-J:V
M7#5P<[<[TJ\BW_!_X.BQ9IX*VG,8XM+FAQ80]A(^BX`MWM_E;7.24T_VQAA[
MZK"YME9<'@-<YH<UMEGI^JYM?Z1S,>_;_P`6F;USISP"PV.W>UH%9]SSL_5Z
M_P`U]_Z:OV_S?_"JP_!P;-^_'J=ZAW/):)<Z'MWN/[_Z6WW_`/"(65BXE.)8
M:L&N^-SO1:()T#K'M-;+;G6[*F_S-=F39Z=:"D5O7,*L1#G6$N#*X+9+'NJ<
MUQ>&^G9^CM?LV?X/9ZBGD=5HQ\A[+@&8]5CJ;+W.@[VUC*=LHV.WM]-S6_SO
MKV?X&BQ4&YW1'NM=C=/KM9C-J=8^OTR`RP7NLL].GU6_JWIV5>K_`(2V[9ZS
M*?TBTJJ<'-#<Y]%5EMC=KW&']C6ZM_YECV-<^K>YG_@:2D5O7,*OVQ8;N/2<
MW:X.#MKZG_2VV-;NM_<>S_"?I*UH]+S:<JLV4$FMQ(&X;3+?I>P_1_U_/55O
M3.FMXQ:M/%L_O:NW;M[_`'O_`$C_`-(CXE-&,X-HK;4TNW.#>Y,,+G?O>T-:
MDI__TNK)DDGDDD_/5,G(AQ;X$C[C"9%"/(J==2ZIK@S>()<W<"TZ/8YH=4_W
MM_T=M=BK_LUC@YMMAM#JZZ6DM`<&UD[7.VG8Z_8^ROU65U?SGZ2NZQ7$DE(\
M>IU-+:WV&XMGWNYC\UO+_H?UD1)296]_T1I^\>$E,#P5N+.92QFI]SO$\?<C
MUW.9H?<WP[_))3:0[J*<BLU7UMMK)!+'"1(,M=_6:I->UXEIGQ\5))+#T:)G
MTF"0QIAH&E1WT-T'T:7?S3?S$JJJJ6"NEC:ZQ)#6B!),N4TDE*2',^"20U,>
M*2G_T^PS:S7F7,/[Y</@[W_]^05I];HBRO('#AL=\1[F?]_6:`7&&B3X!%2R
M=K'/,-$^/@C,Q^]A_LC^)1@`!`$`=@DA$S':-7^X^'9&_P!0D(D3QW67;^TZ
M2U[!<;#:69#P6V,>VV^NO'^QX[WFNM]&,YWTZZ&4?]J/724Z:2S:G_6%SP+F
M5L;(W%H8?:&[O8YSOYRU_P"CR/ILH_P'[]@V'ZQ.>Q[FQH1M(KVCZ?Z5[&O9
MNN_2-9L_F_T?T/424ZX)!D&#XA'KR`='Z'Q[+'Q\G/\`VDW$OU:&6.?#&QL:
M!]FN?8T[F77//\VS]7_Z]ZM:T$E-Y)5*[7,T&K?W2K++&O\`H\]P>4DLE*H;
MK&CSG[M5%'Q62XO\-`DI_]3U#)H9D4NI?PX<CD$:M<L;T_2)KV[2TPX>:WE4
MSL0VCU:Q^D;R/WA_Y))3F)))(H4@96.ZY^-M=8UK;F^MZ5KZIJ(?ZN_T7U^I
M[O2_UWHZ<<I*<D9/6V5ONRVMHJ9#G';470YV.Q[1KZ;?0WY?I.=^B?Z=7K6>
ME_.QJN^L5S*;',%;2*K"&L8"06-.U[++&?2N?9]JH]3]'76ST[*_\,1[>JMM
ML=2,@`6UOH#K&P"''[0RS]-_1;JOYJS9]GI]3_D_UJO4L/BUYU.597:7WXQW
M>G>]VHASCK7N?[KG'_MK_15_H4DIL)^6[$9]L!;=+MS=.Q.Q^UFUC=[$9)))
M"D_&HY'!3))*;%-SGN%9$N<8:1_WY:E;`Q@:.RJX.)Z8]6P?I'<#]T?^25Q!
M+__5]522224U,O!%LV5>VSN.SO\`S)9KFN8XL>"UPY!6ZH6TU7-VV-W#MXCX
M%)3B)*];TQPUJ?(_==H?\X*L_&R&?2K=\0)'_1E%")).01R"/B(2`)X!/PU2
M4LDB-QLA_P!&MWQ(@?\`2A6:NF/.MK@T>#=3_G%)33:USG!K07./`'*T<3!%
M9%EONL[#LW_S)6*J*J1%;8GD]S\2B()4DDDDI__9`#A"24T$(0``````50``
M``$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&
M```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#
M`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`#?`-\#`1$``A$!
M`Q$!_]T`!``<_\0`G``!``("`P$!`0````````````8'"`D$!0H#`0(!`0$!
M`0$````````````````!`@,$$```!@(!`P(#!`<'`@8#```!`@,$!08`!Q$A
M$@@Q$T%1%&$B%18R0E(CLS1T<8&18G(D"8)#H;$S8W,71&08$0$!``(!`P,"
M!04!`````````1$"(3%!$E%A<<$#\*'1(C*!D;%2$T+_V@`,`P$``A$#$0`_
M`/?Q@,!@,!@,!@,#AOY&/BFBS^4?,XUBW+WN'K]R@S:($_:6<N#IHI%^TP@&
M!C9<O+;5-8,JVBG,A<GY`$H$@6Y2QI%0$?NK2S\[9`Z8@'Z;8KD.H?;QN?;V
MOLQ=]8QFLWFI?I$3IUFOP%:;FY[577U$])$^7:NJ+&/X$/4#-#=?0?GN?;G>
ML7[E[12DUOW<D\8XO=@V!N!^.20[A.OD``'D"E+!I1W`?`?B8.@\YN::SLSY
M;>JN7UDL4F(FDI^:D#&`P&,^E7SL1`Y2E.`BNNH(@<I0`?F`!EQ/1,WU=>Q_
MG6?]4W_BDRC9P`\=0Z"'4!#X9Q='-1DI%N/+=^]0$.H"BZ72$!Y`>>2*%^(!
M_AC$]%=VUNEG:<=DLX5`/U714G7<'R$SA-0_]X"`Y,3T,WU2ICM*13$"R,<U
M=%Z`)VQU&JO'Q,8#BX3.;[``@9/&+Y)U&7ZNR(E(=R:/6-T]M^4$B<^G1R4Q
MVX!\NXQ1^S,W6QK,3,AR*$*=,Y5"&#DIR&`Q#`/H)3%$0$!R*_K`8#`8#`8#
M`8'_T/?Q@,!@,!@,#@2DK&0C!S*3$@SBXUFF*KM^_<I-&C=,!`.]9=<Y$R`)
MA``Y'J(@`=<#";9?F9%1YG,5K.,+,NBB9(;),)K(1)#>@J1\8`HOGX!S]TZQ
MFY0,'Z"A1Z]=?M_[.=^YZ,%;?L"YWUX+ZVV*2FE`4%1%!PMV,&AC=P"#*-0!
M)@R+P80X23)SSUSK))TCE;;UJ'90P&`P.4Q_G6?]4W_BDP-G&<70P&`P&!V\
M7/R\,?NCGJR!>>3("/N-CC_G;J=R0CU]>.0^`XLE7-BVH+93)V)&\TD5@N/!
M0=)=QV9Q'IR<H]RK;K\Q.7XB(9BZ^C4V]5FIJ)K)D514(JDH4#$43,4Z9RCZ
M&(<HB4Q1^89EI_>`P&`P&`P/_]'W\8#`8#`8%([>WM4-2-/9?*?C%G<(^['U
MEBL0KHQ3`/MNI-804+%L#&#@#F*913K[9#\&$NM=;M\,[;37Y:N-D[<NNTY'
MZNS21OH$53J1T"R$[>&C0,)NWV&O>;WG`$-VBNL*BQ@Z=W;P`=]=9KT<;M=N
MJL<TA@,!@,!@<IC_`#K/^J;_`,4F!LXSBZ&`P&`P&`P))`6J5KZ@?3*^\T$W
M*K%<QC('Y'DQD_B@J//Z1?4?4!#IDLE67"_8"RQMA;^XT4['!"@+ADJ8`<(C
MZ"/'_<2Y]#EZ?/@>F8LPW+E(,BF`P&`P/__2]_&`P&`P,1/(#R69T$KJHTE9
MM(W00.B_?<$<,:OR4.04(8IT'LQ][[J(\D1$.50$0]LW333/-Z,;;XXG5K$D
M9%_+OG4G*/74C(OESN7CYZNHY=.EU![CJKKJF,HHH8?B(YV<7"RA@,!@,!@,
M#E,?YUG_`%3?^*3`V<9Q=#`8#`8#`8#`Y#1XZ8.$G;-=1NX1-W)JICP8H_$!
M`>2F*8.@E$!`P=!`0PK(&I7)O/IE:NA3;2R9?O)`/";LI2\F6;`/7N#@1,3J
M)?4.0],77'PW+E.,RI@,!@?_T_?Q@,!@8A>2WD"6A-%Z14'0#=)!L7Z^00.0
M?RNQ<%*<IO0W$R];GY1+T%%,P+#P(I]W333/-Z,;[8XG5J\444644554.JJJ
M<RBJJAC'444.83'44.81,<YS"(B(CR(YW<7\8#`8#`8#`8#`Y3'^=9_U3?\`
MBDP-G&<70P&`P&`P&`P&!]$E54%4UD5#I+)'*HFHF82G(<H\E,4P<"!@$,#(
M>G6Q.PMA0<B1*5;$`5TR_=*Y3#@`=)%XX#D1X.4/T1^P0S%F/ATES\IMF5,!
M@?_4]_&`P*/WQM]GJ2HJ.T#(.+5,E69UF/4$#`+@I2@O*ND^HF81952G,'_=
M4,1/D`.)BZUU\K[,[;>,]VGB0D'LL_>2<DZ6>R$@Y6>/7;@XJ+N73A0RJRRI
MQZF.HH81'/0X.'E#`8#`8#`8#`8'*8_SK/\`JF_\4F!LXSBZ&`P&`P&`P&`P
M&!RF+YS&NT'S-44G#=0%$SA\PZ&*8/0R9RB)3%'H)1$!PK)RO3C>?C47R'!5
M/_3=(<\F;N2@'>F/Q$H@(&*/Q*(?'G.=F&Y<N[R*8'__U??Q@=?+2K"#C)"9
ME7*;.-BV;A^^=*CPF@U:I&664-\1[2$'@`ZB/0.N!I7VULB2VE=9.SO1529B
M<6<%'G-R6,A6ZA_HVH``B7WU.\RJY@Z&74.(<%X`/3K/&8>?:^5RK3-(8#`8
M#`8#`8#`8'*8_P`ZS_JF_P#%)@;.,XNA@,!@,!@,!@,!@,"64ZPF@)4AU3#^
M'NQ*@^)U$"E$W[MR`<_IMS#S\1$@F#U')9F++BLE`$#`!BB!BF`!*8!`0$!#
MD!`0Z"`AG-T?N!__UO?Q@8)^9FS#L8Z-UC%K"5>6(C-V0Z9A`2QJ*Y@BXTW'
M00>/4#+J`/!B@@G^J<<Z_;U_].?W+V:Z,[.2+W6YUK7=2L5YN,F2'J]4B7LW
M.21T'+H6L>Q1,LL9%FQ1<OGSI0"]B+=!)5==4Q4TR'.8I1EN)F]"3-DG53M5
M\F:1/SSJLV&M;*U9-IU>>NT6SVI27]4"R5*KG:A8YNON05D&KL8-.0;*.V*A
MT9-LDX3.HV*4>0DVGHU=;C.95X5NP1-MKL#:H!U]=!6:%B[!"O?97;_61,RQ
M0DHUU].Z31<H?4,W)#]BA"*%YX,`"`AEZ\LV8MCYVJSP5)K%CN=ID4XBLU&!
MF+/8I99-=9&+@H&/<2LO(JHM4EW2J;*/:**&*F0ZA@+P4HCP&+<3-),V2=7:
M,GB$@S:/VIA.V?-4'C<YBF()T'*1%D3"0X`8@F3.`\"`"&!RLHZ2"FR3S9ZY
M)&3<4#&;G(049V,7BG+H\%*NXH\FR1<?>=0DH9H+ABZ+]QTU435+]TX9!W>4
M,!@<IC_.L_ZIO_%)@;.,XNA@,!@,!@,!@,!@,!@7_KN<_$HD8]<_<[B^U(O<
M/)E&9N?IS=>H^SP*?V`!?GF-IRWK5A9EI__7]]K]\TBV+V3?KD;,8YHY?/7*
M@\)MVC1$[ARNH/P(DBF)A^P,#1QL"WO+[<[%;7PJ`I-22SA!%0>XS1@3A"-9
M`(&,':R8))I!P(\]G.>J3$D>:W-M0[**AWXR_$=.;`CSZT4W"T?0*C24ULVE
M/P9_:H-PX;I3S2'?@`*!/-(4Z[F/234;K.7J"2*;ANHH5=.7I>,KK_*<X8%1
M3:;NSV?H>K7_`)';*U1,ZBVS$;"K?DOKFZ1Q*5.+U@C2GU^DWO:M)J=^GK=(
M3:Y6K]@I(SK7Z(#+**I*$2,KCKQ,XQW=.G-Q+GLBNA-1L`A['>&NE+9)N-9>
M'.EBZ?K\E"7/7#DFY$HC?;7;4-3EIEA#.J]L&3LJ#5J\D$$@?-`D$UB'!%T0
MRLUG?'2+M>D\NMO]N%2(ZEL%@A]QQ=0U:0]>O'@=OZ&<QE"\;-H:>K\KNI@]
MU](:\K]D<;#F)JP[-VW&JG>?3S;Q)JL]5!8J/N*D=)-YCKB=KV7RD\>?_4[]
MG9W/7LS)R]Q<,H-Q$UJ1UMK*.\9#-_$7<>S[Y5V2-'1:SB&H+-$;0U7#Z/V)
M';//*.W(3:$:H9)9LX=.E(\IR(K+^7'!+TY[\\S\_5)/("$2AX?<LCM"EV^U
M;L<;DTC_`/76XXVGRZL1$:\6FM*1`UMIL"'<2=7UXV3GQDT).JJ2:3B4D'H.
M$VSXJZ;G+>^>N9]$UO.N+^W"?-J>JSL,4^\A=<W&VZ&2W)YSO)&K26MK=L&(
M3N5D\@FLMI:Y6.@1<%/R4[67]#3FBP$@,<X8-UGB*B9R&<-CBQ_M/VYO^4S_
M`*W]V)_CEL2THB1OJFBH(U>UTIHC`MTXZJ7F6?S=N@HDBBI8AA8'\JZ>R?XB
ME&`D)T'"IUVG((''N3$,Z3I.'/;K><K1RH8'*8_SK/\`JF_\4F!LXSBZ&`P&
M`P&`P&`P&`P&!):C+_@TZS<F-VMU3?2._E].X$"B<WV(J=JG_3DLS%EQ63F<
MW1__T/:YY9W(U7U.\C&RWMO[@^;U]/M'A4L>)3O9=0`YX%)1HV^F/Z]'/]X;
M^W,[,;W&K4QGH<3`@EWV'`4!:D(3I)`Y[_>XC7D%]`W2<%)/S3"7D69WXJ.&
MXMX\&\*MWJ%]PQ3"4`(/(B$MQA9,Y]HFH.6XN#,P71%V5$KDS4%2?4%;G.=(
MBYD.[W`1.HF8H&X[1,40YY`<J*C;[J@'0NXQ"N7@]WCM>UC9DIK7\`(6[QM<
MM\S-P$(DY;'?E@C3"LI69%-5LD_4.B#,YCB!3)"IG/\`=?'WXRMHSQH1RDR.
MZ;D>+)G61:&72*Y513'A15)`3`JHFF(_>,`"`?'-(K^O;1KMN=()51K.V!A^
M<K]0I6=8Q2B4/7;+K:0DX6SM9Q6148NT&Y+#$.(]NLBBNDY<D`2"*)BJC,YZ
M+C'5'Y7Q[U'-W<^PI.KNG-A7G86U/FP6JXMZC+6NN-8]E7K;.Z\:V!'7\_;(
M-K$-",Y1[&+OVP-$/;5+[*?:Q,Y/*XQGA;I7[$[11^1XT,Q2*X.J\*X1,T3(
MU,H1T91P!Q1(5L=(X*"(@!!*(#QP.5'W161<(I.&ZJ:Z"Z9%D5D3E51615*!
MTU4E""8BB:A#`)3`(@(#R&!],!@<IC_.L_ZIO_%)@;.,XNC2)N&A26S/.'R9
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MZ\WK6.TD(F-6\8;KIB!@IN-TF[V)6+E%+W&.V@8C^"E+(BZBG`>Y]8K],9J[
M9MPMUDY[<)=J_P`M/(+R()J^GZNBM/:^V#):ANVTMD6"_0-VO5)6=TS;T_I1
MG5:1`P%RH,VS1MECJ;]^K)/)%Z:"8BW3,RD55>XK-O"763.>B')>6MK@G&^7
M;!+35%OK[?VAM>.9EN7=?D9&3TQ;O#?5>TIUWK76>L!)<]WS40LNHPBXJN(U
M5%_#-#2KPR"Z3H5F;R8Z?'U=+J_R.V#O/>?B>-Q)^#S5,\BO+34=F"'J=YU7
M%W1&G^/)+%#3\CJR^3$W;::LNE845!B95X^79.$A'W1$0$&;;/E;))M\1D=M
M&"BMR^8*NG=H-9BQ:MHOC'&[8KNL4IAU'UG9=VM6R+=4+0^LD*TD(IM=!U[!
MUB(1:,Y)1:+:KV?WSI`N*"R=O-YZ,SC7,ZY8W:[\B&NIT]A:ITOJ;=FJKU9-
M^Z&H-6U)Y2OJA)Z\T\\WI`3*I9JEDUEL[8LR?7Z4-K>6FE*\,VR3/,+D:,CQ
MZ#HQT)GM(UC.+;QA8-O\P]R4&:NVEK?.Z48;>IFR=?5I*_0>I-Z;`C;G2]BZ
MQL]^C)>@^+&MK%<-M6J^14K57$>_@V]L%JUCA"5-(]H@Q%GLGC.+V_'=12'E
M7O'8]KTA>XFDDLFV=>M/^1RF-=<1;.T:G@]L7'3U>HQ*020IEYEI6>H;BPJG
M0*>.EG;QS$N5E2"N(_>QF\?U7QDSZ<,VO$+R.NFYIO8%4V%9**]LM3AJ?._E
MEMI;=WC7M2M?F%>PM)2.N6G-V2=N=.X!BZB$DX^S0\^\82BYG*1FS06Z9W-E
MSU9VF,8_5MPCY=1_1%Y`J@@Z;PD@FH<!'O*Z9-5D_<$1_7.*8'_ZLQCG#6>'
M_]'UC^:]D%_>*S6$SB9&OP"C]8H#T(_G70^X00^)BLHQN8!^1_[<[?;G%KC]
MR\R,+<ZL&!C?Y$5N?L3_`,=U(*'D)8E=\D*/9)T[!LJY+$P#&M7AL\F'XIE,
M#:/;.'R)#JFX*4RI0$>H9G:9\?EK6_R^&).K="R-/@_$BW1^K5X'9C+R4V:Y
MVC9T:Z+6Y)ZYG:_Y$MT$[A->P$NI3WBQZX1%%RJ+0H@Q!,I>U(`S)9X\<Y_5
MN[9N\SQC]&+\;X]6:*UHDS>Z)L(;(L'@#H"F0THVU?)/Y=ML.F7>Y%V%7)2S
M,8-R%9M!:>Z@T5$7[EJM(LVR2*/O%:"1+'C<?QY\6_*9_EQY5<&XZ'=[-M*Y
M2\5J)Y'7F*\E=0V>%E8/0UNL-GD:%4[YK8SO8G_].6*5?U]C$N:DQ=IC5:T1
ML\8I%404:F15?+*:VG-Q.<_CEG6S$YXQZ_1W>J]!,6>QJ]5C:4=UZ`;^2/FR
M.QE$];/:U6I376R8S8K762XV!.%805FK<C2IQG'LC-'+I)B0Q6)O94(*)4UY
MZ<9I=N+?+M'SF=/>0MKTWMQO(1-A_.VJ=?5GQFURL[01=3NQ]>U?8D).[CV#
M$)*O(0957>&LX2(9D0*]:?4O8U5'N3.8#A<6R^O0FVLVUYXO-^G]D07TPO*P
MU\=Q==V,PH1Y;2ZSN/I/A\ZUA3C6*H35D>!:I#QNNTI*VC;L?7V:[9K.)LX-
M-202"..S5=&C_<;S'%]/CZ'ES,XSSW^K/+P]CIV(UC.QLO1HBCL&VP[0:K!!
M4*VZDB[=7'B,5(%NK?3MVE):>U0>;FG;TBL*<Z295D#.B(I`Y[0WKTZ.>_7K
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MS=4LUC<"\5CWCQ=LW<E34;%0.DD8C$/*\OF[\)?'`8[Z"!I,G1%T+53[K$3>
MNKS>Z-8:O9:'J.,T+67U0F:Y9&#RJMVFG8A&OK,V!D&+UB*GU**JJJBAV(>5
M2&B>)>@=:S$'8:?2';"=KMZNFS8R6?W;8%CD/S]L:G,*'>K5).K+:I=6<EK5
M6XU,KT[X7`+/#*O1#ZY=9PI<0NUJ1[C\?-7;U1@#7R*FD9ZHKOG-,O=(N-OU
MILFF+RB2",H-5V)KZ<K5QA6LLFT1!ZU1>`T?`@D#A)4$R`59*DMG1`8CPK\<
M(:BV:@H4>3>L[G8:Y<K5;YJ_[$G=LSEVI[Q"1J-U=;FE[6\VLC;*I(-BK13]
M"827C#\@U%$AA*,Q%\KURXAO";08QK5)*.O[:U-;N?8__P!KMMP;42W2ZN2]
M4&A.Y20VZ%O_`#[(-'=%$8<8Y9\>,2C@(BBV3*DC[;$/*OUOX,^*Z$(:N*ZH
M:R<(J.V3NXZ?M=[LB,BOO6.B(S;3R7&P6B34F']W1@VZKIPZ,LN1Z!W:1TW2
MRRRC$/+;U6%JSQYUQJ&;G;16AO,Y:[%#Q%;D+9LK9^QMKV8E6K[N3?P=6CIS
M9%HM$A%5^->S+I<&[<Z8+N%C++BJL/N99,);:R_ICT35BXQQAZ)1CUXD'S]Z
M/<(K?V`442?XYF]8LZ5__]+TL^04R:=W-L!V)Q,#:=4AB`(AP0L`@A""0H!P
M``!X\1'YB(B/41STZ3&L>?;^54WFD,!@,"D=G;ZJFKI4(1_`WFU2K:JR%\G6
M=&K*M@4J]&BW)FCRU3IA<LDR,Q<IJD0:-C.9-Z+=;Z9JL"*G;FW"S6WE';9Y
M3ZOJ;DYCI6RP5V-J]5N]OO%7KJTM3:%3KL9R-9L=JEA7;JD8R#5FJZ438HOG
M3-@7ZIRDBV,54R[2+-;?E)7V]ZE'[.3UBXC+$#@9J/JKFW^Q#%IT?=)6E2^Q
M8ZH/5U9Q*Q$E7=+AE'P+DC3QA?<21,Z*Y5*B+,SA/&XRG.OKO&;(J$->(-G*
M-(*QI.'\`I+H-6SB6@A>.$H:R-46KQZ!8:T1J24C'BH9-P9BZ2,LDBJ)TB67
M/)9BX[IEE0P&`P.4Q_G6?]4W_BDP-G&<70P&`P&!J[_Y`M7A:J;N+8VNTG>R
M-T4+5[-I&QH;D)4G_B[%LV=QM)=X:JI\=^&)J[>D%"@Y;EEI*+)/$A6K,9%J
MR2<)JYVG?NWK>9.S%;R?\QJIL;9GCQ)M=C6>HZIU9Y%>+LHWCUJW:HB0W%)6
MQU"VJR7B;380`MUZ%1:A*(,X]DBKQ)S;V14.V,2.CE5%N<>C6NMQ>.<+O\B:
M+LW3>YK5N>`DJ5"V39]_L,=KS9@NWLO?"P=H\?JW3GE+LU8_+:8K:Q\?$J!8
M]JN&Z4FLV<)PB::#;\0?.#@N<I,62?C\=F:OB1L#6UCUG%T'6].N^OHW55;H
M$2VJFQ$Z^:TFK%GI<3:J;;'TA5[+;8N56M\1("X<KK/?Q(\B1T+U%)?GNLZ,
M[2YS65.5DP&`P)+6'(H*S*/(@#VMSK?CX")&"KL/[P!L/VY+V^5G=__3]"5I
M?C*6:Q29A[C2,[+OS&Y*/(NY!PX$>2_='D5/ATSU3B2/->M=%E#`8#`Q'\G9
M)K.1<OJBXTC?#BB7"E/EV-XT.WN$Q,O;0<\C$/-?3,?2(I^X@VCV+?(.4G,V
M(5M^!E4'IB$1$JV-O2RX;TXYEF?=CMM-/9UK\?X;3.S=8[<C]MQ^G=?R5-?:
M:BWTSK.Z[=3JZ0/:G>6U<A5]55NMUB[Q*17T=:3DK;J/5`[4YPX3)+FZXLN<
M-3$VNTLQE>NX-(-K[)4M%:!ED;QL5>+:;-L$'*6I*E5R`AJH]@;]8$VJ+DE?
M;W>?IDX]J$(].4LH1"9^I3]PD:8R%LYGJS-L9]':>+%AW),-)5IL]E8FK1A1
M]7KG;V*BM*(E6=J/DK>EM?7-(;,ZY64K#K*CI,(,L+*@21*[!XL!9%V"?"-U
MSW-_'MZ_EV9<9I@P&`P.4Q_G6?\`5-_XI,#9QG%T,!@,!@8][1\6-%;ELHV[
M85->RDZZKC:FSRT3=;]3V%VI;-[(2+2E;*A*9:*_![0IC5]+.U4XBQ-I..(9
MTMPB'NJ=S$K4MG19EHUO1[FQJD99*XQD(ZC6FKW6I,2&<,&L%9J4Y*[JTFR1
MC5V:8?@JY`%)$P&;\`!3)F*'&$S7WEZ!4)^RQMNG(1"6G(>M6>H1RD@N\=QS
M>O7->#7M#$8%9R>!74F1KC1-5PHV.Y!NF9$JA455B*!&]4:4UMI*)D(76\$\
MB&<HO&+2"\M9[9<I=R2$@XVLP3$\_=IRQ3H0\#`1#=HP8@Y!FQ03[4$DP,?N
M28+;>JU<(8#`8'+9*BBL<X?%I()=./1=@Y0'U^Q3"O_4WZYZWF,!@,!@,!@,
M!@,!@,!@<IC_`#K/^J;_`,4F!LW`0$`$!Y`>H"'4!`?00'.+H_<!@,!@,!@,
M!@,!@,!@,#__U=_"A#I'.FH4Q%$SF(<A@X,0Y!$IBF`>H&*8.!SUO,_C`8#`
M8#`8#`8#`8#`E,+4968[%03^C9FX'ZMP40`Y1^*"7W3K\_`>A/\`-DMD%MPU
M6BH4"G12]]V`=7C@"G5`1#@?:#CL0+_I#GCH(CF;;19<':Y"'$J)A%VQ#@!;
M*F'N3+_^NJ/(I<?L]2?8`]<RLN%NQ4U'S"7N,U@$Y0`56Y^"N$>>G[Q/D>G/
MZP")1^>&Y<NVR!@,!@,!@,!@,!@,``"/0`$1X$>@<]``1$?[``.1P/_6]#MW
MCQB;I;XH2]HQEHGX\2AZ%%E+.VPE#[Q_3V_F/]HYZITCS7K47RA@,!@,!@,!
M@,#O(BO2DT</HT!!`#<'=K<IMB?/[X@(J&#XE(!C?9DMP+9A:5%Q?8LY*$@\
M+P/N+E#V$S?^RW'N+R`^AC]QN>H<9FT3+(&`P/L@NLU5(NW5.BLF/<11,PE.
M4?L$/@(>H>@AA5F0=Z(IV-ID`3/T*5\F7A,X]``7"10_=B/Q,7[OV`'7)A9M
MZK&3435(51(Y%$SE`Q%$S`<ARCZ&*8HB4Q1^89&G]X#`8#`8#`8#`8'.CD??
M<*$XY[6,HM\?_P`>,=N.>@AZ>UBJ_]?TV>2\&:"W3=$P*((R;IG.-S"''N%E
MH]JZ<F+T`!`K\RQ.?\N>C2YUCAO_`"JB,VR8#`8#`8#`[&.BI"66]E@V47,`
MAWG`.U)(!]#*JFX33#I\1Y'X<Y!:D+0633L7E3@^<!P;Z<O)6:9OB!N>#N>!
M^?:4?B4<S:+`(0B9"IID*FF0H%(0A0*0A0#@"E*4`*4H!Z`&0?U@,!@,!@,#
MO8>PR,*</IU/<;"/*C181,B;GU$@<\HJ#^T7CGX\^F19;%O0MDCIHH%1/[#L
M`Y.S6$`5#CU,D;H58GVEZ@'J`8;ERD&0,!@,!@,!@,"5U5J*PV!P(#VLZQ-*
M=WP!15H9N4O]IB*''^[)>WRL[O_0]</F]5Q1FJ9<DD_N2$<\KKTY0X`BT8X&
M08"I^THX2DEP`?7M0X$>`#.WVKQ8Y?<G2L$\ZN9@,!@,#D-6CIZL5NT05<+'
M_132()S<<@`F'CH4@<]1'@`^.!9L+KT`[%YM7N'H8&+<_3[2N'!>!'[03_N-
MF;MZ"RVS5NS1(W:HIMT2!]U-(@$*'S'@`ZF'XB/4<R/O@,!@,!@,!@,!@?T4
MQB&*<AC$.0P&(<HB4Q3%'D#%,'`E,`^@A@6%!WE5#L;3`&72#@I7I`Y7('0`
M]X@<`L4/B8/O_P"H<C4OJM!LY;O$2.&JR:Z)PY*HD8#%'YAR'H8H^H#U`?7(
MT^^`P&`P&`P+6I['VJ?;9`Q>!=L)!NF(_%)K'KF,)?\`*95<0'[2_9F;UC4Z
M5__1]P/DE3!NFH[(W01]Z1@4R6B,#M`QP6ABJ*/2IAT,95>'4<IE`.HF.'`#
MZ#K2XVC.\SK6G//2X&`P/[3345.5)(AU5#F`I$TRF.<YAZ`4I"@)C&$?@&!8
M4+0';GL7ESBS0'@P-D^#.SA\CB("FW`0_P!1O@(!F;1:<?&,(M'V&#9-N3IW
M"4.5%!#T,JJ;E14W7U,(\9D<_`8#`P;J+/87D?:=V3[K<VR-65?76W+5J+6]
M:U<K4XH$#4)E#L9V\VYW9:=9%[5.R]O6>@V8.>^#0C&[<!:*K*+K'SUSRWQK
M)Q+<(3J[R^VC.M:1JXNKD]L;S5'R+B+/+Q-@BM=T!8?&3=9=*V*VO7LDA,.H
MQ&YNG3%VV;,6CT$WCWV.U-N0ZZ*6],<K=)S<XG'YOE)_\CU`4_+C"L5R%4LS
MFBR%YNE<V-M[7&IEZ@I$W>V:XDJ$RDK%).XRU[&1NE!G&A6:"B,>4C`%EGR"
M;AN*CRA_SOKPF];\V4=BRDHXU)I^V;$H5=U#3MSV&Y-;#5X-X2N['UY-7N@P
M,#5I=VB[FKC.+0:T:X:*N&;:-<&*=RY(01[7EGI$\,=;SE1.S/\`D&L:FL?(
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ML2M.ZI8G46\FH63UQL>V:VEV\@YA73Z)464E*DLH'TZZR12G``4/QW#9<S*;
M3QN,KIRLF!V<9,/XA;W62XDY$/<1-R=!8`^"J0B`#T]!#@P?`0PN<+;@[<PE
MNQ!809/AX#V5#?NUC>G[A40`#"(_J#P;Y<^N1J7*6Y%,!@,#]`!,(%*`F,80
M`I0`1$1$>```#J(B.!DPVA#M:B:#2`H.#PSIL;T[1>.VRONCS^R+E8?[LYYY
MRZ8XP__2]^YBE.4Q#E*8ABB4Q3`!BF*8.#%,4>0$H@/4,#2ENJ@GUOL>PUPB
M1TXP7/XI`',`]JL')&.NQ*0QNJHLA[VIS=.Y5`_'3/3K?*2O/M,7"J@#GH'4
M1Z``?'-(FL+2).2[%G8#',QX-W*EY<JE_P#:;B("0!#]8_;Z\@`Y+1;,3`1D
M*3M9-P!40X4=*\*.5/GW*"`=I1_9*!2_9F+;1W.`P&`P&!C+.^/4\WN%SMNI
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MNJX7*Z.\%X9<Y3'(D5!)!X^M7SQC$[IY5?$R!@;Q`;(E;O9;#<(K=LUOV3=G
M90<7&3=YL?C4P\:)M$T8S8C^'0+BOLAE$FZ2HJ(R"@E]TR``GC"7;C&.,8_/
M*H]I>/TQK>5K5UU5#;DL%A5V_N[8<K=M4S>H2["HR>[4V#^Q5MG2-NQ9*#>]
M?6&6AF22Z:RY).+=LV#U,5DTG`D68Z+-L\7&,+L\+]4W#2WCA1J#?A<_G%&7
MV7;9]%],-;#)LGNR]J7;9?X9,3S``CYJ<BD;<1L^=MA,V<.TE#I&,F8IA:S$
MY9WLNULZ,I,TR8#`8$V@[H\C^QN_[WS,.``PCR[1*`<`!#F$`5('[)QY^1@#
MID:EPM=A(LI-`'#)<BZ8\`;M'@Z9A_453'@Z9OL$`_PR-=7.P&!-:'#C*SR*
MJA>6L;VO5^0Y*90AO]JE\0Y.MP;@>@E(;)M<1J3-9&9S;?_3]_&!BQY2:D'8
M%88V*,]M*<J1U5%U!3.<SJNN.#2*(E3#N448*$*X3[A`I2`J'03\YO3;%QV8
MWF9GNPCA:G%0W:H1+ZIX''+MP4#&*;YH)]2(?8(?>X]3#G6W+BD^0,!@,!@,
M!@?%RD9=NN@1=9J=9%5(KEM[0.&YE"&(5=#WTET?>1$>XO>0Y>X`Y*(=,#6[
MJ[7FV#>5^T]>2_E[Y*6.GZ;IWCCL>+AYDVA03MKO85BW*2S5NYKQ.B(ITYK#
MMKK%D@0D<>,?$2<N>'7>9$Z&9G-YKI;/&7QF;GU_5((KSZA#WU.BV2C1,'(R
MU5V3:(&`C-NT.W[)B0UG6)&W2<3M;7<`HL[UG(RL/%+?2_[R43*X(*#@R*W)
M,>1X<9R[ZH^7U]O:-!9UKQTEE;;LRG2&X*K5)/9M1CG!-%M&]-_#[S8),&CJ
M.A;/:)2Z(LHRO]RR@K-USO'3)%,5,>7LGC)G.W"#C_R.4N0@]5.8.IPK"S[)
MU>ON%W6-H[?U]J1.L4\MGDZE'1YYZS.56$W<K#,0<@FQ8MRE:?[%8SEXU3`J
MAYY3A?\`G>>>$/B?^0>3=S^\]EM*4_LGCM3_`!Z\8MJ4QRSD*^QFV4GN.>V#
M"R*UI*'U2\=')RL>#:8<F679U]G6';WA5-<!.\NMQQA?^?29_=FLWM![D=;J
MJ\I8EZ_7XI&/F0C&,Q2=DU;;5!M;12-822<O4;O5_I0?M41?"V<).V+!RBY1
M/PF=(R2RFI<L;3"],K)@,!@,!@<MD_=QRY7#)<Z"I?B0?NF#]E0A@$BA!^1@
M$,*M:#NS1]V-I(",G0\%*MSPT6-Z?I&ZMS"/P,(E_P`WPR8:FR<AUXXZ\\<<
M=>>?3CCUYR*R4I<%^!PR15B=KY[VNGG(?>(8Q?W3<?\`X$QX$/VQ-\\Y[7-=
M),1+LBO_U/?Q@?ABE.4Q3%`Q3`)3%,`"4Q1#@2F`>0$!`>H8&OC;="4H]E4!
MJD8(&6,J\AU``>Q$O<`N(TQA$?WC$YP`.H]R1B#ZB(!UUN9[N&VN+[*KS3)@
M,!@,!@,!@53$ZC@XK:FT-KDD99>6VK2=:46;BS+IMX]A&:Q=;(=13J*79IMY
M-N_D3;,=@X.*X]H((BE[9@,)ICG*YXD]&*M.\`Z[5HW6]?<;8NDI6-/UJ^4K
M7E>;5K75;9M*S?=<RVMI%S:5Z]56+ZXW8D5(IK'F72A3KN&P',@!UW9W$\?=
MN[]>.:XVV]/6[78Z#'4E:W=,.-9:>EM-#L+2]ETLVV`I7VR%#:Q=1MU/W5'(
M4>5@[4>M_6ISS1=)]6Y5B02('9OG7:LQC!++Y9QS70Z?\&9VIZJT:9?83N@;
MKIVCHS4M^EHJ#I^R(.9BS3DE<RQYT+Y!2A'4U2;)8I((N73%,#?6N1<(."+%
M(237$G/)=\V\<97`7Q`;Q<Q.2M0W5MJHJV74NJ-8SDG'R$(]MKZ0TK9+%9J/
M>3V>2AW(JRKUQ;I-O.QZS5:'F6CLR"C5-+DAKCW3R]9.JP-$>/<7I-_L:Q?F
M$UEMNU9F%F;?)-:M5:-`F7KT3^"Q9(BIT^,CXUHJ9J8QW3MP=V_>+'Y47%)-
M!)*R8RFVWECV9#Y63`8#`8#`8#`R7T#`2TP]7E'QCGK<08"-DW!14*XE0[#I
MH-C&$!*BT3,"B@=2]PD#C[QN,;7''=TTF?AF+G-U,#__U??Q@,")W6HQ]VK[
MN#?@!!4#WF+L"@91B_3*;Z=TF'3D"]PE.7D.],QB].><LN+E+)9AKHL$#)UF
M7>PLN@+=ZR5%,X=1363'JDY;G$`]QNX3X,0WQ`?@/(9UESRX667%=-E0P&`P
M&`P&`P->FU+KN35&^-3GD]H7"3BMI[UB*D%7#7D)&^/-3U+86DM#PL%/7]6J
MK6(NYIBQ,FXQIBSX&?R[UNS!D1DH`CFYEG+I)+K>.D_J_&]UW)KORGU'0KCM
M"X6QGM>7VI^;V4SKN$JFBX:);5ZR6O6-1T_:R55G/R>SHAO&-TG;1Q.RHR$<
MG)NG!2*HM"(N99,F)=;9.G]U,MMN;SJ17M+V3<;I4'^QV%4:6RVW)C^#H:[G
MX*Z7EQY&VG41EH9H]>T=O17M1K]9=,_K8XMDLL&#,5WAY8H3-[KC6\R?CLVI
M56SUVYU^+LU3F&<]7Y9`RL=*,5Q<(+E154:N$E#'_?(O&3M!1!RBJ!5V[A,Z
M2I2J$,4-.=F.*D&5#`8#`8#`8#`EM*I\E=YYM"QQ1(4W[Y^]$@G1CV)#%!9T
MJ')0$0[@*0O("<Y@+R'/(2W$RLF;AL7@(*.K40QA(I$$&+!$$DB]!.H81$ZK
MA8P`'>NX5,)SFX#DQA],XVYY=Y,3$=QA3`__UO?Q@,!@59M#6;*_Q@'1%)G8
M6"9_PU^8H`54O4PQ[XQ2BH9HH81$HAR*)Q[@`0$Q3:EQ\,[:^7RP&E(N0A9!
MU%RC55D_9*BBY;+!P<APX$!`0$2G3.40,0Y1$IRB`@(@(#G3JXV8XKK\J&`P
M&`P&`P,2YGQ5_,5C>%G]Q;*FM3O]LQ&['&GI8]?D8G\[P-GBKS$125M>1"UQ
M0UO'WN$;3*,"1T5)-VF")5@CO]CF<>_#?E[<X('Q6^@LU+=V;<6RK]0]7WN8
MV3K37MK/7WA(&URJ5E;L%)V[%B"W>Y1-+;6QXE!-7KS_`&I!2^J.],W;F28]
M^#RZXG-2O8WCO#;*E+;89BQ23:R2@ZH-2I9NS9JAKP=.;!@]O5;\-8NO>:R@
M2.T8!M(RX*@F$FU;-6:O[MJD?+9E)MC"P]4:Y9:JI:%19RCV<65L-YN4Y-2"
M;9NXF+=LR]639-VE2LV::;2-:2-PMKY9NT2`4VC<Y$2F,!.X4F$MS<K&RH8#
M`8#`8#`[NO5Z6M$LUAH9J9T]=&Z!U*D@D40]URY5X$$6R(#R8P_V!R80`9;C
MFK);<1L'H%$C*%")QS,"KOEP36EI(Q>%7SL"<")>>J;1$1$$4_0I1$1Y,8QA
MY6Y=]=9K$ZR*8#`__]?W\8#`8#`J_9&L(F_L@4$21\^U2$D?*E()@,4!$X,W
MY"B`KM#F$>!ZG1$1,7D!,4VIMCX9VU\OE@C8ZU,U236B9QDHS=I?>((_>0<H
MB(@1RT7#[CANIQT,'H/("`&`0#I+GHXV67%=#E0P&`P&`P&`P&`P&`P&`P&`
MP)54:;.W63+&0C45!#M,[>*]Q&3!$1']\[7`I@(`\#VE#DYQ#@H#DMDZK);<
M1GM0M?0M!C`:1Y`<2"Y"?B<NJF!7+Y0O(@`%[C@W:IF,/MI%$0*'41,;DP\K
M;7>:S5/,BF`P&!__T/?Q@,!@,!@1NT5*"N,::,GF1'2/WC-UB_NW;)8Q>/J&
M;@`$Z*H<!SZD.`<&*8O3++9T2R7BL+;]I>Q4\5G\>52=@"<G^L;)"+QDGZ\2
M+,G<8I2!SRLGW)\!R;LY`N=)M+\N5TL^%,YI@P&`P&`P&`P&`P&`P&`P+SU_
MH^>M)D)&=*O`0)A*H`JD`DH_2YYX9ME0$6R9P#HLL7C@0,4IPS-VDZ=6]=+>
MO1F=`5V&J\<E%0;%%BS2X$2I@(J+J<`4R[E8PBJX7.`=3G$1^'H`!G*W/5UD
MDXCN\*8#`8#`_]'W\8#`8#`8#`8%-W7253M@JO&:?Y>F%!.<7D<B06CA4W43
M/8[E-%41-R(F3,DH81Y,8WIFIM9\,727Y8M6O3MWJQE531IIB.)W&"1ARG=D
M!,O43N&I2_6->TH_>$Q/;#KP80#G-S:5SNMBK1#CH/00Z"`_#-,OS`8#`8#`
M8#`8'Z`"80*4!,8P@!2@`B(B(\```'41$<"V:KI>[V<4UCL!@HXXE$7TR51L
M8Q!X$1;L>T7JXB7J41(1,W[89F[2-S2WX944K3=2IQD7AD1FYE+M,$G))D,1
M!4H@/>P8AW-V@@8H"4P^XL4?13@>,Q=K72:R+:S+1@,!@,!@,#__TO?Q@,!@
M,!@,!@,!@57;XG44NY6;VMQ46TIZK*K2\?$3!1_5%99)VU>'X$.@*"8OV>N:
MGEV9LUO7"C)K4VL%A,I7]JP+`>1,#>4F8*02'G]0KAN^8JI$#X"8JH_^>:FU
M[ZL777MLK*2UNLR$PL[EKR7+P82@SN4.W4'CT*8LDNR3*<W^L0^W+GVK-U]X
MASJ$>,Q$JJT0<0'C_:S\"^#U$.AF4DX*(?=]>>/\0RIAU(].GR^0\_\`B'0<
MJ``)A`H<<B(`'(@4.1'CJ8P@4H?:(\!@=PT@GKT0*BO#D$1X_P!W8J^P#U`.
MIGTFV*`<C\1R+A,XS6AW@E%]=]=1!!_3!S<(ITN4/D1-@LY1.;^U0H<?'X9,
M^U7Q]XLV%U/JM`2*3VTX.1,'`F0CIN"C4.?V#*K/7RRA/M+[8C]F2[;=M6IK
MKWV7M4(W5$6N1O4%JDM(\<E.SE6$M+"`!P(E<'=NWP%'X@4P%^S,7R[MSQ[8
/6;D:,!@,!@,!@,!@?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>53
<FILENAME>g655868g99d81.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868g99d81.jpg
M_]C_X``02D9)1@`!`@``9`!D``#_[``11'5C:WD``0`$````9```_^X`#D%D
M;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"`0$"
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@#20*H`P$1``(1`0,1`?_$`,,``0`!!0`#`0$`````
M```````&!0<("0L#!`H"`0$!`0$!`0````````````````$"`P00``$#`P,"
M`P,%"P<%"`P-!0`!`@0#!081!P@A$C$3"4%1%&%Q@2(5\)&AL<'1,D(C%@KA
M4I(S)!B8\6)6%]=R0U,E-U=WV*)C-$2U)D9VMJ<XN+)S9'0U164V9J:W>3IH
M&3FY&A$!`0`!!`(!!`$$`P$!``````$1(3%!`E$287$B`Q.!D:&Q,O#!0M'A
M_]H`#`,!``(1`Q$`/P#[^```````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````]&YW.VV6VW"\WFX0
M;3:+3!EW.ZW6YRZ$"VVRVP*%25.N%PG2JE*+"@PHM)U2K5J.;3ITVJYRHB*H
M&.,OFQPU@,HU)O+7C/&;)BI-B^=OMM<QTJ(JO:V1$8N4]\JB]U-S6NIHY'.:
MJ)JI<7P9B!S_`%'^"5N6BE;E3LY7\]7I3^S,KC7E$[%1'>:ZT-G-H(JNZ+4[
M4=[-=%+Z]O"9B!3O5F]/:WMINK<C;372K4?2:EMP3=:\.1S--5>RTX)-?28N
MOU7.1&N]BJ/3M>#VB$S_`%DN"$5JNA;@Y=>U2MY2-MNVV947.9U_M"?;5LM#
M4HKIX*J5.OZ/CI?U]D]HA\[UL>'D;XCX*S[U7KR:OET_LW"L=H_%L[M//C_;
M.;VGMI*GUM*OE/T_5UZ%_5V^#VB)SO6]X_?M_L3:;>2=HUBQ?M6CA-H\YZJW
MS$D?!Y9?/AFM17:*WS55435$UZ7]/;S#WB+3?6\P_6I]C\?,EFHE-%H+<\_M
M=J6I6T36G52+C%Y\FDB^#T[U5/U2_IOE/=%Y?K7WR2O_`!5QUM4%%HN1J7#<
MZ7<U20J+V5%='P2T(ZBBZ*K-$5R(OUTUU2_I^4_9SA[>*^LSD:W&FF8['621
M:'JUM5^,Y;.A7&,GUO,K,I72U7"--7PTIJ^/[?K^Y^F<4]_AG#MSZG?%;.TI
M4;MD&1;;W"JYK&Q<XQ^NR*^HJJB]EWQNKD-JHT6Z?IR:L?HJ=/88OXN\^5G?
MK6;N'[@X'N#!=<L$S/%LR@,[?,EXQ?[7?:%%7:]K*[[;*DI0J+I^B_M=\ABR
MS=O.=DO(``#T+K=;98K9<;W>[C`L]FL\"9=;O=[K,CV^V6JV6^/4ES[C<9\N
MI1B08$&)1?5K5JKVTZ5-JN<J(BJ!C=,YN\,8$>C)E\MN,]&C)A)<8CEWUVP<
M^;!<U7TY,"E3RAU6=2K(W]FM%K_,7HW5>A<7P9B#3_4@X)6Y:25N5&SU?SD<
MYGV9E%"]:(WQ\W['ISO(5?8C^U7>S4OKV\)F('.]67T][>E-U;D9::Z5:E2D
MW[,P3=6\*CZ>G<KVVC!)SJ5-=?JO<B,=^JJCT[>#VB$3O62X(QF]T+/\OO2^
M:M/LMNVV84G=J?[_`/\`'%MM3?*7W:]_^:7]?;.#VB'3_6RX>Q?.^"LN]E[6
ME5;38EMPO&Z*R*:Z_P!HH_;.<VE$HIIU2HK*G7]'Q+^KMOHGM$4G>M]Q_P!*
MJV3:7>.=T;\+]J4\)M/G*J_62O\`"95>UCHUOM;YNIK]/;;,/>(M-];S$-:W
MV-Q[R2:UM-JT%N6X%LM3JE?1%?3K-BXM>4H4F^Q[5J*O\U"_I^4]T7E^M??9
M+E^R^.UI@M6FJ-2?N;,NBMJJGU*CEC8-:>^DB^+41%7^<@_3\I^S>X>_B?K,
MY`MP8F:;'V>M:7JUM2IC&638EQCIU[ZK*-UMDV--\4T8M2A_NQ^GQ3]ETEFK
M.';GU..*N>)2HW7(\@VXN%56L9$SK'Y%*,^HY=%[;QCM3(;/0I-\>^36CHJ+
M[^AB_B[SY:G?K6;F)9]@V?04N>#9EBV8V]4U69C%_M=]CL5.WN;4JVR5)92>
MQ7HCFNT<U5T5$4Q99NLLNR6D4``>A=+I;+';;A>;U<8%GL]IAR;C=+M=)D>W
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M^C)5^#L6]MZ\NJE-J6["L:HK6:O^_4_MC.K2B4_D?V/_`,TOZNWPGM$2F>M_
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M6NT<U>BHBF++-UEEV2LB@`"G7>\6C'[5<;[?[I;K)9+1#D7&[7B[SHUMM5KM
M\2DZO+G7&X3:M&)"AQ:+%?4JU7M8QJ*JJB(!CE/YM<-+8QCY_+3C3%\V*R=0
M94WTVQ\Z3$J(KJ4B+';DZUY5*JB?46FUW?[-2XO@S$`G^I+P/MSJ;:W*C:"N
MM6F^JU;7DC+TU&LTU1[[/1G,I5%UZ,<J/=[$4OKV\)F(),]6GT]8+*3ZO(RV
M5TKJJ4TM^`;LW5Z*B:_M66S`I;Z&NO3S$:BJ7T[>#VB$SO64X(QDUA9]F%[_
M`&[J.EMVVR^@J4VH_ME?\=6ZT)Y#U:B(FOFIW)JQ.NC]?9/:(=.];3A]&2HL
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M1$=X=U>V2I--B_(JHJ*8LLW7,NR4D4``````````````````````````````
M`,;>9::\0.5B>_C9OFG_`*L,H`XEF&[F;F;97.M*P3,[_CG;*K5'0XDQ:MIK
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MGA]">`/E7*+>B)\WX?`)PDEIN5RLTR/<+1<9UJN$=W?'G6V7(@S([D_6H2HM
M2E7I.T3Q:Y%*C,'`.>?*/;ID=*&ZEQR.U1-'UK?GU*)ED>M2:K?V<B[7>G4R
M"C11K=/V4ZDJ)KHJ'._CZ7AJ=^T9?X;ZTEALZT8^\V(X=0I,:UTZ]8AFD&SU
M*3'=B-J,QW*)<FG4[^J_6NE)%541#G?PSBMS\EYC+[;'U:>`>Z-\LF(V_D1@
MN.9SD5U@6.S83E5[M,2_7"[W2M3C0+?$=:[A=[37E2Y55M*FQLKO<]433JFO
M.].T;G;/ED!S=37A?R[3W\8-_4_]5.6&&G$XP3=+=#;&NVK@N;9!C])E3S5M
M]";\39JST7].38YU.59Y3OEJ4'*A9>TV2R5GEMGZE&:6-8\/<[![5E<1OELJ
M7G&:[\>O+6HO[21(@5_C[1/K*G@RE\`SY4-S\EY3U\-CNU'-SC?N.Z-%H9Y&
MP^\5D1$LNX%-N+UTJ*J(VFVZR:U7&9%6HY=&LI3JE1?YITG?K9C.K-ZUG1:7
M4)-"A(C5:4B/7ILKT:]"HRK1K4GHCF5:-6DKJ=1CD75%1514-SFLIM!I?5;[
MWKJNB^S\Z(AKF3P)?#I^"^Y/=IJJ_E1!/*7PE,2G^BGN35?>GY%1%*E\I)%9
M[?#\GYVJ#&T_Y_S_`.I!09HB)X>">]$_D10<V\*[09HB)X?DU_#T"<)+9KI=
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M)]_`+^AA7$\P+=;=/;&LRI@N;Y#8*+'K46W49GQ5EJO545SJ]BN%.79I#ET_
M2?0<[Y2RV;)9EGGMIZE&865T>)N?@EJR>(U64ZEZQ6LMAN[:;=.^17M<M9]I
MN$AR]>RDZWT_F-S\EY3U;'-J.:_'#<AT2+%SV)B-XK=O_$F>L;BLEM9Z]K*+
M+G,JOQN77>[HVG'G57K[CI.W6S$WK-EC.:U>57HT9%"I2KT*S&UJ5:D]*M&M
M3>FK'LJ-56.:].K7)JB^PW-[?#*:0:?1OA]9=>NOA[E]O5#7P)C#IZ(GR(B>
M_P`>JIK\@GD2>)3Z-Z?+[T7^4J5)(K/#[M=/:GRZA.,)#'9T3[WY_O@YRKE!
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M5:U:US5GVNX5U5/T:=6`SK[-.NY^2\IZMCNT_-+CEN8^)#@9]$Q>]25IL98<
M[8W%9JUZW2G&HSI=5^/SI-1_U6TXTVL]7=-.J:])WZV8SJS98SBMC65*=*K3
M<VI3JL96IU&*CF5*=1J/IU&/151]-[7(J*G14ZH=)Y932#2Z)T\?DZHGY4*)
M?#IZ:?(GL\.O\@@E,2GHC4^[52I4DBL]OW?-\X3Q$@CLZ)\NGR?=J#G*N46]
M$3[O<@3A*;)>+QC\Z-=+#=KG9+I&<CXURM,^5;9\=R:*CJ$R%5HR*+NB=6N1
M=1NC,7`.?W*/;JG33_6?)RFU1V=U6%N%'B912<QFFCJ]ZN",R-C6IX]L]B*B
M]?9IB_CZ7AJ=^T9?X?ZU&)6IC*&\F(XG"6DE/XZ\X?G-LMS*;GJU$[,<RJ4_
MRTJ=Z=O?=?%43KKJ<[^'Q72?DO,9A[5>JYP'W>R?%\"QSD5@ENW$S._6;%L:
MP"_WBWQLFNV2Y!,H6^RV&%3MTRZ6J7=+E<)-.A1I4I3W5*M1K6Z]R:\KTL;G
M:7RV)&5````````````````````````````8X\QD[N(O*A/?QQWP3[^V63H!
MQ*95G3XB1]3_`'^M[]?ZQWR=#7W"EUK1I^KU^;7\>J_A0:\BARK<K=?J_3^+
MKX_?Z$TNPG>W>]^\NS4ELC;/<;*<3IMJI5?;(-P?7L$FJUW>CIF-W!LRP37Z
MJO\`71JG15]ZEE[==DLEW;<.)WJ6;N9[>Y6$[B8AB.03(%DKW2/E-J67C<V3
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M\2W`PC#[K-M%E^TH^1V2K<<?J3$;)IQ_*N=KJ.N\-\ARO[E?'6-3Z:)33Q.O
M7\EN^[-ZLZZ7*W+WM;\+C&.4%5O19#[I)17^QVE.5$U8GN\?E-^U3UF54I<F
MMR9.OEQ<7B=S4:GPUKFN[5_GM^+NLK5ZZ^W5/D+[5+UCW6\@-UZZ+Y5\AP]7
M-5%CV2T/[.WQ:WXN')14=[=>Y?<J$]JLZS>OZ[>3=>1HK\RN+?K=_P#9XUMB
M=5]R18-'1NGZOZ/R#-3[>(HDO<C<VOU?GN84^KG:1LAND1/K:ZHK8LFBBMZ]
M$TT3V(@S?*_;X0BYY/E\M.V7E622M&N8WXB^7.NG8_\`39I5E.^J_3JGMT)F
MEF-8MI=DKR'>9)K5:]1&]J/KU7U7HU/!J.>YSNU-?`C4U02Y1D>QZ*WQUUZ+
M^8"]?`*"C/4`X=O1/#D9M2[73VMRZV+^(S=JKH_<_F=_!_ELS^=QYW9;]_"[
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MD5&M[$J5ZCZKT:U55&HZHY7(U%<NB>'4C4UB"W&@CFNU1.J+KX?F`O;P!A(S
MU#^#+]$33EYQT<FB>[=S$C/;:JZG!Q4```````````````````````````!C
MMR];W\3>4+?YW';>MOW]M<F3\H'&$F6!?B)'[-5_;UO9_P!L=[43P-X%!E61
M$1=&:?1HB?@T]@UFPB4^UJSNU;X>W3\?BOW?032_40>X0.WNT;T]WN_D_$+.
M+N,D^&%#LW9NRJG_`)(3T^=?M"W_`"]%30UTT[8^$K;=;Z>JMZ)T1/'[M3HB
M<P*>B)T]WA^8O";]DQ@T473IKX?=H(EW2:C&31.FJZ?1I[`CPR8R(B].H$4G
M4D3NT354]WYPU/"&W"DGUO#[VOXP3P@L^GT<G3VKU3_*1>5S>)M-$Y>\8W*F
MBIOIM@GA_P#BZU>'L,]MOX5TK^:+>[AURR;_`#N-&^[?O[6Y4AQ5QC:M@75_
M[-5^L[V?*OR>!O`HLJR(B+]33Z-/Y/P#%$3GVM6=VK>GS*GA[_O_`'>!-+]1
M"+A`1NNC>GA\G^37[PUNEW&3?"R/V[I7[HG_`-U*R*BIT_[K;X_+]!>FZ5MF
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MY$[5KK[_`/QLMO7\)GMLKHR\\6>9PKY5T_Y^P.Z;/Z6'W5OY3BKC3+85[?ZM
M?O?R:F\"D2['VHOU.W37V=-4]FB)H-8(E/M:MU16^_V>/Y28S]1![A`[-=&]
M.O\`(GS>[W#?ZC*CA'11FY.9:^W`WI\__C-8?'Y4TZFOQ[U*VKV^GJK=$\$3
MV_RG1$Z@4]$3IIX)X_Y2\)O4Q@T47MZ=/F^;V")=TGHQDT\$7[O:$>*1&3M7
MIU3Q`BDZBB:Z>SV^"?G%:Z^$,N%-.O@GS)^4$\(-/9^FFOX"+ROSP(I(GJ"\
M''>*IRYX[+_ZVL3Z]3/;;^%=1DXJ````````````````````````````Q^Y9
MM[^*W)AG\_C]O,W^EMSDB?E$W''VFXRJ5Y"]BIK6K>S_`+8Y/<=40^YX_P!B
M.UI_3HB*F@^@MI=[3V=R=O3KIT]WX#-_N+876$C%<BM]_P"#75/O*3>?*K[\
M/J/E;KW5=/\`R2GIX?\`R^WZ>.OL_$:ZZW*-K5O>FK=47V>!T1.8#^B:>S1>
MI>$V[)G`J(FG7JNG7[O$)=TGHUD1$ZIX:=0CPR:R:+\H$2G5$^MX=?9^9?:*
MUU0RX.3ZWLZ`FZ"SW-^NOXD_/H1>5SN)ST7EWQD3PUWTVP^\F76K\)+M_"NE
MCS);W\0N53/YW&[?)O\`2VQRA/RG!7("D8RJ+4^HOZ3E\/\`.7\)UQ\(B=RQ
M_L1=6(J>_MZI[$\%U_&!;2[6KL1Z*WYNGO\`#31#-G/*K876#V*Y-$]NBZ>_
MIXZZ>/0F\SR+_P##FEY.Z%\73I^Z]5/E_P"ZFZ>[7H:Z:W*-J5O<U'IU\=-.
MB_F.B3_M.8#TT335>J+X?GT\2\,S3LF<&JFK573Y-%Z(OAU7VJ$NZ3T*Z(W7
M5-?;[/R@>*163M<NO7QU33[E!?"*3ZB+W+X*G@OBFOY/I%7KNAL]_1>B+T]_
MO^_X#@FO;*"7!W<M3IITT]_3Q]J$:Y7CX6NTYI<8$Z?\M6")[-?_`*:C>/M7
MJ2[*Z47+IGF<5N1]/_A-C]T6?TL+O+?RG";JX^[L97M_JUZ^W1/I]AUQ\(BU
MSL*L1VM-=.NBHG7YEZ+^,:<"V5WM2,[D[>G7KIT5$]GR?G,V9^JK8W2$C>YJ
MIJG7Z4^;KX$NLS-*,A.&U'R=RLGUT1/W25-5T3_ZRHJGR]4-==\Q&TB!XM^9
M#HB<P')HG5/87A/_`$FL&HGU?8G3Y_NZ!+NE-"NB(BHJ>"`>.36;VKJJ=4"?
M"*3ZB*CODZ=/RBKU0JX*G7JGA]W0+-T%G_KD7E?W@2]%Y[</D_\`ZB=J_ITR
MVV^'R&>VRNC9SAI^;PZY.TO^$V-W*I_T\5N3?RG*;JY"C\95&:]BIJGN^CKT
M.F/A$6NEA[&NU9].GA[M=4]Y/H+9W>U=G>BL]ZIT5??]XEG,W5;&ZPNWO14\
M-=?IUTZ_=^$EUU@R*X8TO*W'S#_S'<G_`.8['I^;Z#77?*-HMO?HK>GL0Z(G
M4%_1/9X?=]XO";=DS@5$;I^/\R!+NE%&LB(BHJ>`1X9-9-%ZIJH$3G5$T=[?
M'3W^_P"D5KJA=P<G7K[/;]V@)N@L]R)W]4_'^(B\K]\"'I__`'!.#OO7EQQU
M\?\`I:Q)"7;^%=14X*````````````````````````````L-RG9YG&'D<S^?
ML-N^S^EM]D*?E+-QS%.+N`X).W>EU=P(%IN=MM."[D7FU6W(+'#OV.U\@MV-
M3JL63?H$UU.D^W6VW?%UU5'TG^8QO;4IKH]._63.NS';.-%A=X^+FZNVTR6R
MZXY1OT>A9Z>37"Z[?MNF5X[9;5+F7>(GVK<*%IB.M+X$FRR:4AM>FRG'=15.
M]S58]T[2\K.TK!O(+>C5?HU--%<WIJFB]4ZI[-?<9^565O<=$1ZZ==5ZZ)[/
M?X&?_7PJ[7%'2CNE<7>&N+3VJNNG_?T!4_#J7II;$;0(-;]!=?O.U_$=$Y36
M#(3IU^?_`"J5+.4JBRNW3KTZ?<H-+/E7*<Y41-%U7Y_P_2$Q7BK3M475=$Z^
MW[Z#)ZU0)<K5%Z_Y?PA;<3$1&X2.CNOT=?Q=2+)A"I]9-%3715_W/M`N-Q+E
MH[F+QC9KX[[[8)]+LPM2)U0SVVJNF?R_;W\2^43/Y_';>QO]+;7)D_*<8KE%
MSL3[5JZ4TZ.>NG:G\Y>GM._U1:O(+(VDCE1FB=?JZ>"_E)K_`"+&9#`:WS$T
M\-5;\VG7KHFB(A/D66OD=$[ET]JI[OG\/8B?.8Y5>+B;I1W,O#O#7&JS%U_^
M=,73W:_F-=-[$K9U!K(G8[7Y%\#HG/U32#)31O7Q1%TZ_EZHB?,6)VG*51)6
MFG7I[%^3W?)^(FQIV^JN4YVB)HNJZ=.OL_.I4Q7CJS=47JGW?D!BJ#+E:ZZK
MT]GRZ=?DZ?@0+;C2(E/D)UU5-55=%7\&G@NNGR$I)CZH5/K)VO557KJJZJOA
M[M=.H7>Y7;X4RFNYL<76(Y-%WMP)--?_`+<C)IHNIGMM?HKIB<JJ?F\9N0-)
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MK[U7P`OGP$EH[U#.#3-==>77'5/'7QW;Q)#/;:JZE9Q4````````````````
M```````````!8SE!I_=HY$:^'^HS=O7YOW!R`0<O&RY;7PV\7*[VR/"D295D
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MM.FRDYR<[T[9C?M&.>TMC3`=_LZQ3XW[1_=E,AL"7!M#X5)B6V\48R2OA_.K
M_#I62EW=O>_MUTU4S)]UGA>&P.USFU6-<BHO1-41==-?OG03&',[=.O3IHNO
MW=`B2QYW1.OW>"?*5+/"ILGIIKKI[/H&AGL_-2<G7K[->OO0:'W51Y4[HOUO
M?[?N]FA"3",3)>NNJ]/9\OS?G"[Z(7=9[:;*CE=X(J)U^3YT"IGQ"N7F<S>+
MC$=^GO\`;5-7K['9G:$T,W2#J#\N?_91Y.Z^']WK>G_]-\E.4W5RV;B^/K5T
M1/TJJK\GUE^]T.Z+#Y3)B/DU8E.M1=+=VJD9M6FZ0J5'(RFJ447S51[G(C?J
M]571";?08]9,B-?5:Y-'M[VN14ZM<U51S7)XHYJIHJ&18B_*FC]/:CM/<9NZ
MKB\:9"1MQ+F]51-;#5:JZHG_`'RBZ_A'7_:HV4VR<U]-JH[7737KU7I[-=4_
M$=42^'+[=.O3V>/3YD\6JB>P'UW2:-.31.OT:^]?9[/'4J6>%39/33773YE]
M@,U^'SDU7KXI[5]O^4:'W5294Y-%Z_F]^OS)^0A)A&)DONU55T3Q]^ON[OYR
MA4)O%P;2IO7715Z]?D^;_*%7,X/W)*O.'BNSN15?OGM^BI[>M_BI^,SVT@Z?
M_)_3^[?OSKX?ZH=Q-?F_=2Z'*;JY8DIU!U&FRFU75*]2/&ITV-=4?5D2:U./
M'I,8QKGNJ5J]5K6HB=54[HMOEN$9=3RB=A-3%,AH9A$;7?)Q:O9KA0R"E3CT
MZM:K6=::L=D[R4HT'O:]&=KV-5S55.I,7;E,S&>&)>2]K7U&N:K7(CM4<BHJ
M>'BB]4,*L3?531WS.3Z>NIG_`-*N7QBE)%W`O;]=$?CZM3YOC:*_D+UWOD;(
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M^'@9_P#2KH\7I*1<_P`A>JZ=V*.:J_)]MVI?'YT-==[>$;'K=-:Y$5%31=-?
M!>GXSHC9+M%P5RK.^(&Y?-#)]T]OML]M,)N-_P`;Q.RY&MYFY?NAF..V-+]+
MQK&+;;83H]&I*H5&4J%:K55KJB5'/;3I4GU$EN+A6-K=MMTHV#T=S9&VN?T-
MMZZM90W`K8;D5/"*SWR_@&4Z65OMJ6*J]TY%H(B2%5:J=B?6Z%SPS9S&5.`>
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MLA7O\IS_`"JG;JV64=*8Y*````````````````````````````L-RH?Y?&#D
M?4\.S8;=]^O^YV]R%WY`.7+L-"P?<7<*\X[GUPGP+8F![CW*VS(KJZV^VWNW
M8[-D1K[?:<.M0N,JV8Y";(FI'H/:ZM7HTT771$/1,6L=LR9CU>3FQ4G;K(-R
M;M'3['Q"WQ\=OF`P[9;KYDD*]V6_W3(;;69<\C=7JTL4G6NG8%K?#SW5:LA*
MCD8[2FKG.TLIUN6(^);Y;K;1NQC*K0LNY8A;9^00L?M.60;E==OI<Z37L5SR
M*%!CU*T:$D^E,MUNF5DB5:=>C7IT:KM%75V<V8\+9+HR.VJYB89FNZ5>3FF2
M2-DJ]\QC`X$C*&S*TNROO&';F9'E\NS595%L:I`L646_+*D>J^4YM&@RD]:K
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M;A=[3`BY);Y$:@Y]-]O?)\Q$^KKT)[3RJ1;+>E%ZAG*?;O&=U]F^/5XNVW&9
MWFO9\>RF_9/A6&QYR1OBVU[TRTY3D5IR%,797A/I-N?P:PJU16I3J/U127M,
M_(PNXP6^[X7Z@G'?!L@92H9!BG*7;C&+Y'H2*<JA1NMHW%M=NGT:,FDKJ4BG
M3E47-1[%5KT35%5%0EN9G@=2OF`[LXE<HW_S..N]KOZ.VF3+^0Y3=7)]G9:K
MO-3S4ZO?T[M4U[E\.NG0[_X1GQP]OK9NV.04WVO";U2M&ZU@NM*)>Z$2\W;X
MRXPOLBC6A6U?*N-DO\*FCJEMN5)[D<Q]2GV*J:IKKMQNY]M_EC)O)Q/QC+;3
M,SS:#)ULTZ?`KY'<=O,ZN3ZD^C+N3;E.@67';O1M5-L^ZW9ENDU*,6M4JUU1
MFB.7152=NN=FI>&J[<S!LZV]F48&<XE?\5DS*39,+[9M]:-%N-!:;*BU[5<D
M1]LN]!J5$1[XM:NQC_JJJ.14.6++FM/%L1/^%SB>]%TUL]1%^76LGO\`D4=/
M*M@M@OS5:Q%>FG3Q7P^?\YT^47/@W)CVM5'ZITU_!U7V>"]2B04)W@J._#\G
M\H35>K8W9C=KDCG]+:K9+$GYSN!6QG)LPH8[3OV,8V^MCN'T(LK([@VZYC>\
M=L+%MT>;3=Y3Y3:U;NTI,>J*B2V3=4EW-XW[S[2;0[0[XYWCT"T[=;Y2+]%V
MZNE')<=N<^ZR<9J2*-YI3+';;G*O%I;$JQGM2I(HTZ-14^H]VJ:U%?X5<6\B
MYM\B,8X[8MEUEPJ]Y-8LHOM#(K_#G3[7%CXK`IW"71JQ;<J2ZE:31J*E/3ZO
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M6$;&;=7S<W.KW4K48C4L5EA39:0\;MSU?>,LO5S?`J48T>W1Y*)63]L^DW5Q
M+<*N3RW],GDEL18]O\PQ#%,_WNP'*]@MOM]<RSW#=K\GCXEM90S^WLGTL8R^
M^MJWBU1I%KIN5U256K16NI-6HZE3:BZ9G;^H]G@+P%YH8UZA6S5?*MB<CQ:/
MQVW6X^[I;R5,HO6'8VW$L`S/<*':\4R&@E\R.`[*:>238=9D&/9OM"9*\IRT
MZ3FM526S`Z'O,VNZ-Q-Y&R&N5KJ&S6X%9KDTU:ZGCD][7)KTZ*AB;JYH6$\N
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M=(])5=33ZU9ISDN<UI^=@9Z1<UO3]=$=CKF*FOM6[6YR(GS*A>OD;`;'?6O8
MUKG_`%533773V=47Y?E-[#ZXL0YOY_:O18V-O.69-:+;BMXY)6WC9N1:;'A^
M&_%91QN@8]!M.5XTZWS+75?5N$RPU>R3=(SJ%S[GM5)+'*BF<3V&P7>KEAM7
M@URY7;PYIS)X\;G\)=PN*EEV[X\<5L"RW&<BR6;F4NT+&J0(VW=NI+7L]3R:
M->)7\VFVG3H3Z3):1FV]4;F3B37(U1\G/4F9AF[/IBSMI=])V6[5;`[)[`7'
M=W!L+O\`<*N+U\VQ]F/4,SLN5V6A4C6^^7V+9K5\.Q:K:M6&KJB4'TJCWZZG
M72^3+/R[^M1P+PG?*OAN/5LLSCBK:<%R+<.WUK!@^1T)=ZY,9#O]&W86:E@S
M.GB-U^%@2F2+C3ER?)H4WUTH(QZ*]K9Z=L?)E@WQX];;97:K#L[G9KM;O7_K
M<R3E5G'(2;==I\FP_%;)NE9<AO$V9C6%;LY)/IU,KD8YBMLFTXC;70H2*,FE
M;HU-\AM&I7HK;U_P,`N7WJBVW?K:'<C:?%-K[SASLSYGW7EO:<XG9M1JW&Q?
M$8K;\:M^'K8+=8*25)D>K!^)6XT[G31O1C:"_II<8_H)UN5_$0;U7^Q9G4@<
M8.+UJW.W0V<J;/;L;QU,<R6MF^;VYL.M!A3DEVC(,>K6V);V7";6I6^I6F1F
MR*[')I3HLI+/60:=?3BNWF>I%P'HK4=4<_F1QK8KGN[GNUW@Q!.YSET[GN7J
MOM51=AUICDH```````````````````````````#'WEH[LXJ\F7_S>/N\SOZ.
MW.2+^0#D4;>[RS-L\XHY9%MENO\`3H1\@M%RL5W?)9;KU9<AMDZR7>W2JL.K
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MIY`V\R8U29$KQT2E69\8C)$:FR.^HV8OC56*N,>KQQRVNY.^G]!G\KK;CW%3
M$>$><P]Y<9Q>X9-E&+63=JX5+#%Q#'<UQ?!K=?I%XRBS6BWNI1&.BR70=*JL
M6GYSU>LTOG*,D_3POVW_`"MP/T\^1ERP#D[@;.+&+;RV/'\@B-QO%^+UYQFK
M0N-ANFYV27N[W.A6?8)-MMC:D2&C(MR[JB+(CK1C+424?#7M-F]IRKU9MM+Y
M8;A2N5DOW/#'I]HN-!56/<+?-WJBNB2XZN1JOCR*3D<QW@YJHJ:HI;?ZJZH7
M,IW9Q!Y5N_F\;M\G?>VPRA?R&!Q\Y&3*Y7_7_6=^MX_67K\O@=44']\9UJGP
MKK;9]>#<K9*HS[?-B57TI$29&J-JT)%*HQR.;4IU&I^)=4U09\#(K#N<%[C9
MC<LIWJM\C<-U6W667;I%KI0+3<J.7X=`NT/%KO*AT76VSS65:%WJQY?<UJ>6
M[O\`+>_HM]]==4O731FC2W(VOY#6^?<Z%LQ+=G[-92IXAA5YBV_XJ!(N.+V"
MCE<.+"NL.A*@2X:5JCEDOI->B4D=3<B*BFM.TUU9Q8U%9Y8[!MORJWIP[%H*
M6?',9R>Z6BRVQ94F9]GP:21*K(:3)E:3*D-HOJN1'/J/5??IH<[CVLFS<V7B
ML61Z=FC_`':]?I\/<A>!ECQKMMHW.WTV6VUO\B=1L&X&Z6#X7>JELKTH]RIV
MO(L@@VN>^WR*\>71H3&QI#EIO?2J-:[15:O@:XR/KRQ?TVO2^OG-S<3AUAV!
M;I7_`"7C-@U??+="\;@;FY!:L3SN/DMJIQ\/VG2[XI(H7RU8UC%QH_&W6?#L
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M)+;K*=[]MMK[_B_.W,N1.U.Y^>\6=U^3&!;BVFXR;=<;+F.`V7;?)\-FV'<B
M"VE4C4+E?:M&-"J-;49'E,71BRCYA-N>0E7DGZTN";Z59T:XINSS7Q;**%QB
M6-V,T+I`K93:K9:KFF.OFW"I9:MQMEOHUZL=U>LZG6J/[G*JJ.,<JZ@G+Q_E
M\5>2%3_@]CMTG_T<+O+OR&!QZ7Y*JLT[_8J?I>/LZ?,=4>I`W%R#%KC3O&-W
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MW-8VHV[T;-IZ>/<C]\,I]0S97;'CALUR(S?8RWYG:\)R_==U;*(N0R+=BN`1
MDIW7!JF09A$G385DN#:2TT2XTY#V=].FG?9VNW(N%9/1_P`<L/)_>;CSE&^6
M47.V;1<!\1YCR<XMN$6S&4E7C+9]ZA4\0F6:5?\`+60K-:WVQ.^32ER*]5>[
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M`+3Y7M)_>CQ_@SLSFMDYT8M2XEOVRK;:8W(MO%FT2H;KM?LYG6NX_`VK$*N*
MI+=7?=7T8[;D]B*QE3X55FO&<#`C"O6"G[KY;ZJ>PNZ'-?!=D+'>\0W)PO@Y
MN%;K79[;M=ASZ$J^6.S7G%\IVTLDFY7R?/I2*-P9,K2)M26CGNH5M$ITD8TE
MP(7EWK5\;+/E-/;=.3.:9YLTWTJH/'>-C6,8IN72Q>9R[GTL<L[Y=2R9%8,>
MC5[PR+`5E/(GM?&CT'U*5.4B5*C',<_(O#NER>W!VCVJ]$;BYO7CV-8+S;Y*
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M[`<D<1WNX\6/<+!<ZSZP77(=O+QAE\R>T87CU2^5*^*)GMCBP[G;I#EHTZDN
MC2DTJ*5V+HO<U%E[8F8/)QA]/;<+*^0^Q-@WTV3W;NFQ^_\`)WHC;81,!SG9
MO#-U=QX&W6(9W=XN28W;]R\QL%.#CEGDXQ1FW.=-CT8[X-2DV/YM:;`I25N^
M.![NR_H@<QN46,63<[;N_P"Q>WNV&X>4[EX_MQ.WEW3DVF\SKA@6=Y3A2XI,
MM^'XAETV9E-:7B4U6I#CUJ%:E#JUD<RGV(Z7M!0-KO0OW3S7!Y^4[^\G=D.*
MUXO7)V^<2=H\8W!IWJ^5-W=W,=R.?B\R#CMSM52)2CP+Q<[/-2T.2E(KS&0Z
MM2M2BT>RJ^7M_08?[;<>UX9^O=QNXHNSE=R%V9Y^\4\6_?E<;7#5R5;EG&UF
M3I-7%_W@RG[&6C^\'D>5]H2^[RN_O3N[&RW,5U3S````````````````````
M`````````QVY?N[>)?*)W\WCMO8[[VVN3*!Q=I=^UD2/KK_7UO!W7^L=^(WF
M^!0Y5[[D7ZVOCKJOW]=?S#47KVTY>;E;9K;[3.F?OS@\.\V*\5L0R.76<UE:
MPW3&[G"?9;XB5[C995!F*1(U!W]HC1XZ/8V@J/<BV=\:;I9EL=V%YBX3N9]M
MV2T7.CCFZ%T9B]KVRQC-*=2K:;=E=IV9RJV_;#[M$H5[>S%$S2-3;)JJM&74
MH5V=]!CJK6FYVSIS_P#C.&NCF;`M6%<P]PK9:+/9;!&98L-D2+?C\&+:[2VZ
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MJG`K($K<^.&5%'II4Y0;'4D1%1-._<;'FI[?E(KL$<TE[>'/+)W\WC/ONOWM
MK<J4R.,!4OVJN^NJ_6=X.U]J]3>;X%'E7S5%T=K\NNG\J#416==%<CM7>Q?D
M\?N_R^!,XV$SV-WBMVS>Z5FSZZXV[*(,"--@5X4:ZS;'=X5*X+0\RYV&[0:M
M.I!O,;X=$8Y=6OI.J4W*UM1REE];GE+,Q3<WW59N;OKN5NDR`ZSTL[R*Y7^G
M:W5DKOA4Y3J+*<=U=$:E5[&445RIT[E735.I+<VTDQ,+@6;)]$32KKX)T=]9
M-$ZZ?2647]VLW@O6VF=X1N-C%>-3R3`<JL68V"I.H-EPV7K'KA0N=N?+AN<U
M)<=LJ,U7TU5$>W5-2C-2\^I9ROO_`"JO?-*W[LW#".0V0-IT)^98##@8O&?;
M6PZ4!MEJ6&-'J6:=9*L./395BRZ,BC7[&NJH]R=Q<3`\FY?J.\R-X=T+7O7G
MO)/=2=NK8L3O>"V+.;#DTG"+W8\+R>I'JY+BMEJ8*F-T;18<CJ1*3I\6.RG1
MFK2:M9K^U-&D@QQNF]&<W6W6*T77-\KN-IQ:16EXQ:Y^1W>7;\<ER7OJR)5A
MA2)E6-9Y%>I4<Y[X[*;G.<JJJZER+=7/,:TFK5D2)521(KU'UJ]:I4?5JUJM
M5RNJ5*U1ZN=4J/<O<YRJKE5=5&1`KKE/Z7[3V+T1>J_)W>"&1:R]Y-KWZU/E
MT1===?'5-?9["9\*R$].3($K^H=PQI=^OF<C]JV=NNJ?6RJWM]AD=>[F4[LX
MC\G'^'9L'NT[^C@M\7\A!Q>EOW3]/_LM5^]^8WF^!2Y5\5471R_?_/X?>&O.
MD$2G717:JY_L7Q5=/'1-/'[O>3/C<4VQ9[DF$9%:<KQ.[RK+?[%/HW*USXRL
M<ZA,H:^6]]"LVK&DL5%5'4ZK'L<U='(H_P!=MTW9G<"^?>:<2>?>"<XIV*VG
M<_*,6R"9?<DQ*5/3$(>6Q;M;4LEVM\.ZVZUW.CC4RM`1/)DM@2Z5"HG<L>HG
MU29S<U6Q[DCZNECWQX\;R\6=F>+N-<<]G]Y>5%/EK*CT=V<UW5R['MQIES9D
M62TX>2Y+;[-3DQ,CRCS)SFI#H48BU5I1J-.FC42S3ZC)F[?Q&G/C)ML+7M@V
M/L!8H\?:Z+M)D&:6;:AU7</-\:@VUEK@RLKR2_Y+?&NNL.BQ:C%M]"!$\][J
MBT'.4U)/Y1C9O-ZM/-KD)AF`[=Y_O56A81MI?,:RK%,<P+%<-VWCT,MQ&C0I
M8_E=UGX18;'><@OML?&IU:-6=)D,I2&)68QM7ZQ<"`YCZ@O+O<'.[ON?E/)7
M>*5N!D&'4-O;[EMKSR^XU>+U@D:4^=2P^[5\8F6=+AC;9]1U=8=5'QW5G*]6
MJY=1I)I!CG<=R[]<;7:++<+_`':=9L?H/C6"TS+E,E6RR1WU:U9\>SV^O7?%
MMM!]:O4>K*+&-5SW+IJJZW(A,W*]47]JOM]O\NG@3(@MTRK5'?M/HU_&I!:N
M]9-JCM:G7JG;W?>)G*LH/2[O_P`1ZFO`ZCYB+YG*S91FFO\`.SNS)\GO(.MK
MSS?Y?"GE;4_F;`;J/_HX==G?D,CC-+?NGZ?_`&6J_<AO-\"DRKVKD71W7KXK
M]&O7KJ-;OL(I.NFO<KG_`(>GT)KIX?<I,\04>UYOD>)W*E>,9O$VSW&-7AR:
M=6+55*=6M;IL>YP$FQ7H^+<*4>X1*59M*NRI32I3:Y6ZH@SC;<W91;N[\XYG
M5FV2Q?&+]>+[3P_",ANN:7&]0:5OEU]P\YR2ED61QFT8\&WP5AVNYU9:1'16
M?#_!R*;->]BHVVYQA)$6L^3KVHB55ZMT1Z+U:J^[7VIJ)1]V.S&[-OROT%>.
MV1;'\,=MLQB4M]Z>`[O^1B5ZW+79V5;,;EX[F_+RA6I4&K@>X=IBTXMR6\UF
M?!V19255<C42H3:JV:\G-XL:WKY%^JIPSS#9'9F3@>WO`:%NS.S%V(4ZNZ&6
MYS.LESB09]^RITE&+"QFW28Z6A*4=DVW2:"UJ4I.]&L33%%FN/O)K:?:+-.&
M&69-O'M7A4ZQ^@CC5&--S#/,2L46/G2UN-%YLN/5_M>[PJ2WZ;3B/KT8*JDB
MM2I/<UBM:JHWF/E.6/O%[U<./]YVO]*S>CEYRIP&Z[XXI:N5<C?Z?=GQYV88
MS4R&P[GX_AL7+\9PBRUY=C_>"/&M%*/0;"I><QU"IV:.1RW%UQL,=-PO5O\`
M3SOO/'@/Z@=#>#,X$S;#9O=C9??3CM8]N\^FVO;5L_;/<ZP89D.VE:XV:T8?
M(MUVR6[T8TJC"FUJE6WRK;5J)2?#ETV,7&!KOE>L_P`?\;PSTQ\>M>(;PWR;
MPFY:;U<@MT8-2WXI:<?R^Q9OO#N9FN(PL(FOS";,EY%%QS,Z;)"W&!;Z4>K4
MJLIU:K=7*P-M?!;U-N./*/$;WNCR5OWIR;=;8;:>H'N7R%V;L_+#DG%PGDSL
MI2KQK5FD;-,*V*A8E<(F]5\KR\\O42R7)M^L3(LZ.Y649U2+38S-^%?-TWE%
MM[RR_B6-H-_-J)<N?MKN=ZFW&61@]SFQ),"1>\<Q_<C:W"K?D/P$ZC%N$&-D
M;,<^/H49-&C*I4)+&UJ=.JCV-<#JW$`````````````````````````\-?S_
M`"U^'6FE33IYK7.:O]%S=%`MKD4[,Z+*B09U.&[1>UU.#%JJFBZZI\52D-7H
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M5ENL*X095LN=KND'S:+J\"?`F5*;T;48]-45'(J%ZYSF)=9@WGWPR#>G=C)]
MV,EAVZV7;)Z\;OMEF24VUVN'!B4(-OM\%)LF7)2A$AQF,;W5%Z)[/`O>YN;N
M28CT+1E6G;]?V)[>IG*KCV[+$T;K4_[+\*^!<B81<NT1/VRZ(G@J_-[RY%89
ME^G^^M7Z4T_&F@RC\5<N71?VR>'AJFOWM?`9%"F9=JCOVRKX]$73W_0,U4+N
M66)H[6JB>/ZVOY?$@MO>,JU1VE7WKKKU^CJ07RX&W2?.YW<-V0I%:-7=R@V,
M;0KT7JRJRH[<O'&L>QS>J*BNZ";CJZ;MXWG.3QKW:;]EN77NTW.A<+?<;9=L
MBO%QMT^WS:->%,@3(,R95BR8,J%6?1J4GM=3?2<K%16JJ'688U?)MSI]`S%\
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M+?;-D6597?[1=*<ZWW&U7F_WBYVV?`DLJQJ\&9!F3*\23#K1GK3=2>Q6.8JM
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M94=HISLQNVLS(N"N1?K?AT1/F7HB?1U4F?`H$F9XZKXZZ)[5^1/<@DR*=0NJ
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MJJ]/G]Q!F7Z25UK3/5;]-MO<J,7G1Q71?E3_`%V87^!0.V60````````````
M`````````````!X:T>E(:K*K4<FG1=.J?,!!KWB$:6QZI3:Y%1?!J:_3T70N
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MG`JK,PZ)I6TZ>U5_&7(_%3,.G]=JNOLU^Y2"CR<M<Y%1*CG>/@J]?'\H%&9<
M+M=Y5&!;HTJ;,EU&T8T2)0JRI4FL]=&4H\>@U]6M4>O@UK55?<!DEM[P*YU[
MQNI.VKX9\KMS&UT8^G7P7CUNWED7RGMH/;7?*L>)3HU*,E.33<M5[FTVL>UR
MN1JHI!N#].?T*/5JMW,/BCNKE/!K>#"=NL!Y#;/YKFF0;ANQ#;S[#Q3%\ZLE
M]O\`=:]HSC)[!?9*0+3;ZU3R*$6K)K.:E.E3?4<QCDW'3^RO`J,FI)>VBBM?
M4JN1>WQ1SG*G335.GR&\LL9LQVJI5FU4^&3P=^HGYC4J8:XN4G!W9_D7AMPP
M3>+;JQ9SCDA:U2-0ND16W&SS:E)U)MTQZ\QEH7>P7:DU?JR8=:C4T^JJJU51
M=:72IK'QK<]/0$WKV5=>L^XK2;GO+M_%2M-E;=W)*+=V<>C-<KWLLJT:4:U[
M@PH]/54909%NFFC619*]U0Q>DX:G;R^<J[1;E:+A.M-V@3K3=;;*KP;G;KG%
MKP;E`FQGNI28<Z%*ITI,.5&JM5KZ=1K7L<FBHBH9MXC2A5:B.^JG71==?9X*
MG3W^)D?RE7JT'(ZF]4T]FO3^0"NQ<AD4=._N73VM5?!/<GL51L)%'RY4TUJN
M14]Z^/T="BJ,S#HFE;3I[57\91^*F8=/ZW5?N^^04B3EKW:]M17+IKT7Q7P1
M.BZZ(-!1V7"[WF70@6R++G3I=1M"+$AT*TN7*JO_`$:5"-08^M6J.7P:U%50
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MJK5U<68J3,V?&?SS]`S?/8RI><[XP2+IO=MU0=*F2<%ET:+-W,8A4V^<K(-*
M.RA;-P85!B/1'1&1;GIV,;#KKW53/IS-FIV?.W<X]PMD^;:[G"FVRYVZ57A7
M&!<8U>'<8,V+4=1DPYL22RG(B2H]5BLJ4WM:]CD5%1%Z&,M*)5J([ZJ=?:J_
MF,C\TJ]6BNM-[F_(B]%^=!D5R+D$FCHCM51/:GXRB11LN5NB+4<GS@55F8=.
ME;3Z5_'KT*/Y4S#HNM;7P^[QZDSJ*1)RUSM='N=\R^W7Y.H%&I3KQ>YD>VVJ
M',GSYU9D:%!@QZTN;+D5G=M*A%BQV5*\BM4<NC6L17*O@@&3&`\`>>V[[(]?
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MD5J*ZTWJW3[P%<BY#)HZ=RJNFG5%7_+X%$BC9<YJ(BU%3Y%7V?R`55F8=$TK
M:=/:J_C&1^*F8]/Z[5?I^Y?`"CR<M<Y%1M1SOF7Y0*11FWB^38]MM4.9<)\V
MJV/#@P(]:9-E5ZBZ4Z,:+'94KUZKU\&M:KE7P`R:V^]/SGQO"V-(VOX4\M=R
M(TQ*;Z$["N.N[V3V]]*I3B56R%N%GQ"7!I1?(GT*BU75&TVTZS'*Y&N15@W<
M^E#Z%WJTXCZ@/"#?'->$.ZF!;7;2\JN/^Y^X63;@S\%P)V.X/A>YN.Y/DUY?
M8LPRZRY)<JELLEIKUEB0X<B=5<UM.E1?5J4V.#J_````````````````````
M````````>/10*=+MM"2U4<Q%5?D30"VN08/'E,J?L6KJB_J(OL]W@7*88SYO
MM#&F,K(L5JZH[]1/S&YV3#!/<_CK$FLDZP&N[D?XTO?K\BFYV9Q>&BKFQZ+F
MVW+2C,F2-M;_`!L_;0?3M.XFWMDD)EE!S*;DC4KFD.%(AY1;Z:TT3R)U.JYE
M-')0J4%<KRV=>VY+9I'S-;J?PW_JRX=F;+%MQQ5W)WEQ:Y5*GV'F=BLE+$J#
MZ25',;2R"V9U<+#7QZ6C41RN=4K0G(J+3D/ZZ<>TQSEN5=O;S^%%];#.'QOM
MOCI@>U<62K%;-W#W_P!FJK*5*HZ,B5Y,+;W,,_N\=$9(<YU-T9*[4HO16([L
M:_*LZMO/X*7U$+VE&ON7R4X@8#&K4VO6/CMZW>W`O,5RHO=1EQ*VUF&6A*K7
M?\#<*[%3P=[`,[]O?X'.PT4HR-UO46N]P<[M619]O>-D.SI05%JH]M'(\DWF
MOBRO,1::HKK51[-')H[5%:&=>WG\%SZ8N-OCR\\WGYC;E2J2IY\&IGFU>(XY
M*:CJ3M'0K#L\N14G+V.:JLNR)V/Z(CD1P&=6W7\+9Z).W[:%63Q*N6X5RH,I
M,2Z;B[X;YWEU5:;&-?4KV6U;AV+%*SZ[V=[NZWJB*JHQ&M7M`SKV[]'3TI]K
M$I.PWT\.(%&3'7NC7/(MA]OLYO<9RI5:Y\:^YS9,CO,=[F5G-<K*[5<Q>U=6
MHB(&<^$[4[7;:4%B[<;;8#M_&5BTECX3AV.XI06FYR/=36E8K=`IJQST1533
M1534"?`?Q41R*UR(J*FBHJ:HJ?*@$?N-BH24<ZFQ-5UU;\_CV_F+*+77S$*=
M9'ZT4ZHOBWVEB+%91MU3K-J?L$777]7K]!948O9IM)1KMK:QDU777ZB?+\G@
MIN=DLU:6.=GHL[$\XHDN??\`;B]67=%L?R;/NYMK9W4,UHNIHOP]"^LCPZUN
MS2V,5$;Y%QIU:M.GJV-6CJO>+.O;=);-GR8;W?PTOJR;;9ZW'-M.-69;]X?=
M*U9<<SW#H</&HU6,U[DI4\HL^<7*PRL5N*TD1S^^I(@+W:4I=5==.5F'1<;;
MS^%`]:[-UHNOO'K;W:JA6\I62-P]_P#9^NC:57L5*M:)MSE>X-QH=C7ZNIOH
M-K-T5%9W="#.G;O^"C]0J]TZ$C<WDQQ$P"E71KWQ,;NF[FX5VB-5J:TY5"OM
MEA-I62U^J*VC.K4]-%2IKT0,Z]OOX'/'Z/P\C=;U%KQ<>Y&++L^WW&N%9?)5
M._S&1\DR/>:_?$H_5O:YUJI=NBZM75-`SNV]_@N_3!QIT>5G>\?,;<J93T^(
MA5\^VLQ+')*(C-?[#C^SS<AHJKD=X79?JJB>*=RAG7MW_"X>B1M^V/5K\19N
M?W..WM2Z[B;W[[7QU9-&HY9%CM^XUFQ*LYRMUU6W:HNO;HBJ@&=FWOH]>E7M
M=\,_#?3QX>QI<)6.AW6^;![=9G?(KZ:/1M6/?\SL.07JC75'JBU&R$>Y.BJH
M&<>$;5[8;9QO@MM]N,"V_AJQ::Q,(P_'L4C+3<K'.I^18;=`I=CG4VJJ::*K
M4]P$\`_CFM>BM<B.:O145-44"-W*PT9#7+38BIHNK%ZK]'O*86MOF'TZR/\`
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MT1\!9'J5N(4O/;E';V_:NX6^&_-[?6141'?$62!N19\3JN<J:Z_9R*B^&B=`
M,[MOO2`]*_:[X>IAGIY<.XDR(YKXEUO/'_;;+K[%>Q]9Z5(V09AC]^O="KK7
M<BN;(1RM[6JO:UJ(&<6$[8;:[:1'6_;G;S!L`@.;V.A83B5@Q6(YGU/JNC6*
MWP**M_9MZ=NGU4]R`3D#\N:U[5:]J.:OBBIJB@1NY6"C(1SJ;====6Z(JI_N
M??\`C*BUM\P^G6:_]DB^/BW\Y<BQ&4;=4JS:G[!%1=?%O7K\Z>XU*SAB[FFT
M=*NVM_9D77N\6=?;U7H:R8:1>>/HB['\WZ$^]3=O+[BN[2QW);MV]M;"]N35
M7TJ7;%HY3"CQ*EMS6V4DIM3LF,^*I4D5D>3'[E<+.MWW);'RA;O_`,-/ZN6W
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M@=M\LOL=KF2J=1(^09=8+[>Z"UZ4RHRJK)"+5IJC']S6M1`SBPO;3;C;>(^!
MMWM_A.!0:B=M2%A>*6+%HCT[N[1\:QP(-%R=W7JWQ`FP````````````````
M````````````````_+FM<FCD1?G`].I;8%7^MAQZNOBE6FVHB_0]%0#^4K5:
MZ+D=1ML"DYNBHZE#CTW(J::*BMIHJ::)]X#WP`````````````>"K&H5OZVF
MCOOIK]Y4`]-UFM3_`.L@1JFOBE6FE5%^=*G<@'EI6NV4%1:-N@T53P6E$CTU
M3YE931?8![P`````````````/7JQ:%9=:E-'?2J:_/HJ`>HZS6IZZU+?%J__
M`!M)M5%^=*B.11D>:E;;=05'4+?"HN3P=2BT*:I\RLIHJ>`'N@``````````
M```]>K%CUEUJ4T=[%\4U^?14`]1UEM+^K[?%J>W]K1;53I[TJ(Y%&1YJ-MMT
M=R.H0(5!R=4=1BT*;D7IU164VJG@GW@/=```````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````````````````````````````Y1
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M+*AR;E0M=.0LF5Y;U?3BTJCVM<K>U0U^>G_ZW_`?U*]U\VV0XV9?GS=T,"Q>
M3F%YQ/<O;V[;?7"19(%XAV*[/M+;I6JLGSK-<KA1;*BHK9%%K^]6*QCW-#.;
MESRQV3X/\>]Q>3W(;)*^+;3[86Z%.R&XPH%6ZW23)NMTA6*QV6RVN@YE2Y7N
M_7RY1X<2AW,2I(K-:KFHJJ@8M\`_5<XY>I7`GY)Q?PGD/==N[9.NMFE;LYKL
M[=<,VQ_>.RQH$R?C$;*KC<*E&=D%"+<Z#W1Z%.IY:56][FJYJ*&S4````:O>
M<'JW<8/3]WDV'V/WZQK?FIE'(V]63']M<@PK:B;>MN9EXOF0MQMMLG;@W2Z6
M#&&7>TRZU&M/M\:1)N,2')H5WT/+K4U<$CRCU4>)^(^HK@7I?7:XYZO)W<7!
M:V>6%(N&5ZVW=&)2L&592VR7++'3J<B/?:^.X?+E,\N%5@HU:=-TEM9RTVA:
M_FUZU7#'@OG>:;79S'WMWCW)VJV]A[M;VX;QMVGNF[$W8?;"Y3K9;;7G.\UX
MISK'BF!6>XR[S$\NG+N'QK*$JA(JT*<:O0K5`V$<=M_-MN4NQNUO(C9^YS;Q
MMEO#AUHSC#+A<[7+LMRK6:\4?,I4[C:9S&28$^+5:^C6I.U1M6F[M<YNCE"\
MX```````````````````````````````````````````````````````````
M``````````````````````Y87\5#_P#YT[%_T;<:O_#EX`^RM/\`^3;??_V>
M8_\`[RSP-'V^_P#_`!A>5/\`^YSN'_\`[+(`'W/0/^3J%_YE1O\`P$P#F#3<
M4SKTI[OZ5GK9;+6:2_`MQMRN2&UO)RW0G-HT<AR.T\L>15CO,.]2ZGQ"(FYF
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MC>L?P2Y"<B]K-S.07`W9Z_;R;/<GX&QN&6*'+JX[]E7IF-Y+MCC$'$L6N5AR
M.P7N'31/);/M599"++GZ4GH$@V\]5GU"MVOX>3*/4ZM>[NVN'\C=J,KW`N=_
MI?ZE+!?<*S[$\;R^#BL/%GV&1>(:8S*IQ[G\0EPCOJU'5J+6OIN8YR`8'^K)
MR!W$Y5<3/X;OD7NY)M,W<G=_D1A>9YG)L5KI62T5[W<+IBC9+[?:J#ZM*!'5
MM%NE-KE1`-ELSD=R[M_\3CC'$/--R=C\EV\OG&?=?<#;/(+5Q5VKL^X^!XMD
M&'[DW/!\'NVZ5X;E6[E\CX1>;%Y\M;;D=BMU^=5J+6@T&574FAJM]/NZ<B=F
MO5C]<[?/>?DYA&<63BWA5PW!YF2IG%VT7%W*/:3;.W5[GD&!X;8KANS)A[%L
MN6.8TV+3<E3**#*3&4UH.:U$`K%E];?U/,PXO;8\P^-=_P!VLMSV^[ERG6[T
MY]N_2^S[(>(]DX]6;+;YA]OQC&N5=BVJ;E649E9+;C]&O+N%LRR-;4\VM"I0
MH\F,K$#[K]D]QJ^\.S.T>[<K$<AV_E;I;8X%N-)P/+H<FW99A-?-\5M.35L1
MR>WS8L&9`R'&ZES6'-HU:-&K2DT7M<QCD5J!<X```````````````!9+='<_
M*\5RK`-O-N\'M.=9[GT?+;[1BY1F4K;_`!*Q89@B8[0RG(+ODUOP[/KF^;3N
MV96B'"M\:U5ZLNI,=4<^C1CUJC0IO[Q\IO\`F;V`_P`2NXO_`%3P,2]Z?48P
MCCCG=EVOW^W5]/'9C<?(*<.O:L&W-Y]5L+RNO%N+NRW3Z]CO_&V#<8%MN-3Z
ML>3(ITH]=Z*UCW*BH!?.\[^[HX[>MO\`',@M'#^Q9#NQ4GT=K+#>>9&0VR];
MEU;7!CW2YTMO[7-XPT)V95+=;)=*37;;J<E:-"JRH_1CD50N#^\?*;_F;V`_
MQ*[B_P#5/`?O'RF_YF]@/\2NXO\`U3P'[Q\IO^9O8#_$KN+_`-4\!^\?*;_F
M;V`_Q*[B_P#5/`?O'RF_YF]@/\2NXO\`U3P'[Q\IO^9O8#_$KN+_`-4\"A7G
M=W>;;^5C-TW5VFVVL^W]YRW&L+O.48%O9D>;WK&+KF]\MN)X;.E8ID6QFV]*
MYV*XY=>(EOE58MQ?+ANETJR1JU!)%2@&3@``````````````````````````
M````````````````````````#X6_7;]!7U$N>7J;QN6/&[$-J[_M;;L#V>M5
M)V6;K6C#;S,O&"S[I,N\)+=,@3*T>DY*U-K*SD<U>_5$714`O7=>+G\1Y)YV
M\K^?5JV7XL6_=+=SCG>>+_'.S5M]L9EX[QPVYD9]:<IQZ?7C?NY37<?*[%#C
M3)%25/[*,V]S/-?1;`I4K?3##+./2+_B#<WX%[0>GBW!^/MAVDLN\^4;Y[^Y
M:_D#8;UE^^^<Y+N<W<N'4O+Z]@HLLMCQN_=UP6A'<^O<+FK:M6HC*3*2A]RF
MZMSW4PG9&=5VFVMB[Q[E0+#9;-:=OI&>6;;F'=:\GX*TW.36S*^0+E;K=&L\
M2K5ENUH5'UVT?+IM[WM`^?C:3TN.2'(/T8-R?2TYG;(8-M'F5LMVZ>2;2[L8
MQO%:-SL;D;I97O3G&^FWU_\`LVSV.R9#C4?#\GRJC!N-!U2LVY6^A5:E5&RJ
ME&D%!X_>EGREX.>B-F'!/9?8[!-Y.6'*K;+=RU\ALUN&\MDPS%,,S[<[$).&
MV&34OE[LT^[9MCFW6(I`MU"##6C2JR(=>I1?'IRU<T-:^'>D1ZQVWWH9[X>E
M]9=E\$MFX=ZW:K[N6K+L)Y+X70M^[.(3;MALS(-E+G#N5'&VV.9>:5@JJE>7
M=*5HN%/2-+?'I/>]P4O?WTS?7!WFK>C7NK0X'\2\!C^GGD&/6J)QGVJW^PG&
M+K866"_;7WN^[A;HY?<KQ*VZH6//9VVU&JD##JF57BVNJ5ZU=;A6D]D<-D,'
M@_ZH<CUT=L?4XS7CCLQ<-OL4V$@[`YM;<(Y!6B'5NUQD85DMDR'<7#+5DMD^
MUHN+,R?**M6#;;@]+D^UT&K6=3DO6BP(MQV]-/U#X/J8^IWR5W2V+V[P+93U
M&MG,RV9M]QM>^^,9GE&T/VC:\6LUCRZ^62'9K8N30I$7&JE61"AJRO1J26,:
M^HVF][@UZ;6^G?Z^NVGI&<D_2-B<%^/LW%I=ZS"X8UOU-Y3;>5+EN=C=^R2W
M7>7C&V6!1K_$;%R"YW.V?$P[OF5PQ.+%M]?LKP'R6>6X+G;V^D[ZP&Z_$STC
M]@JG&+C[`R+TZLNA9OD-[M_*VV2X&=V^T7:S2L>QVK`N&W5L?BV5_"VV13N:
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MIY;*J<A:U#<K=#/Y\O+?@8D3',=@P;A#HU:Z58SZ;)`;F@``````````````
M`&.>7?\`M6;$_P#0?R8_],N,($%]07EWC/`WA=R+Y;Y3'CSXNRVW%UR"QV:6
MM=(N29U<JT;&]N,5E/BN9)HQ,HSZ]6V!6JTU[Z%&0ZHGZ`&MKTX_1\V'M'$Z
M9EW/'93;GDMS"YEVN5NWS&W$WLP6P9CELK,MSJ++_-VVLERO<2;-P[&MM:,J
MA;H5&SU+?2IS8*SJ3*-=S?+#"K@_Q#B<9?4GV?\`3,Y36W$N4V,<5^.6<\R?
M3-Y%/N^?XENCLKMA-WIB8'DVPV[&,Q\^G63<&WX9>;W`_=2I<:4ZWVZ%;FNB
MMI5.R-`#ZP``&,?,O<[=O9SC)NYN-L+CF*Y?O38+#!I;78QG-"[U\.OF;WW(
M+/CF/V[)66*ZV.[T[-(N%W8E>K0ET'4:>M3NT:J*&DVQ^LMR=W`N.49)A6QF
M(X]@$F=OK7V9Q//MM=W*.Z^[%#:"P>F=+P;!XD6'E<!+3G/(W)>5>>V_&:S[
M4^A;Z;+!)N$9M&UWQTL-V7#;>7*N0G&?:3>?.(^-6S,-P<9IY!DN,8M:<HLD
M+!+U)DR$N.W=RM^:5?WI9DV`26.M%UJ3H]NKUKC#K5%@PD<D:D&3@&,G+O\`
MY&HG_3?Q8_\`>BV<`R;`````````````````````````````````````````
M`````````````````````````````````````````````8YY=_[5FQ/_`$'\
MF/\`TRXP@?+)RUY.\Q.9O+WAGZ.'-KC/!V@W*N/J`V'D-D^XFUE2ZW/C/R5X
M5<<[7F^ZN/3L7NM_NUYR2VS,@NV/Q(%^M\FJV1&FQHZJL.1*=;HP;+O_`/H/
MXZVB!S)J9MQ*YV[*S>$^R./;YYGB&_.S&*;29SF^$9%N13VNLLW`\/R'<IUX
M;;KI=YD23#DWAEJ;)@U*E1&M6FUM4,';CR`Q_P!2+U6/3:Y`<&.,'+C9[>#9
M>MGS.<6\>].Q&9;"6/%N--PQ:ZP:''[=Z=?:]/'=R,NN&:U&5+-;H-2\,B2?
M[50K/;%KOA!];8%+OD^O:[+>+G&B/GR;=:[A/CP::55J3:\.)6D4HC$HTJ]9
M7R*E-&)V,>[5>C57H!HTNOK$;R;/6;$&<E/3RW]P[*<ZV]_UCXY0PF1:,LL'
MPE[W!@X)@>%WZ\VZK=+98MR<L\R1.IV/XN1=J,5D?S8M*M)J4(H9&;9>HSNA
MO5AO)>\8;P6Y'[>9-Q_C9#%MMEW\LU/`:6Y-_;)MS<-CX;2M-')KK>H-RM\F
M56N_DT$K6>5`?#5M9]6G5`MC2]67=%V*WR^O]-WEPMULV'[/YHW'66:C3F3;
M?NU1@:6]LBO;&1*>08?)O,/[4@4GR:T>@DNHY46(K*H;A<9O?[RXY8LA^S;E
M9OMRT6^[?9-YCI%NUL^/BTI2P+E&:^HE"=$6KV56(Y4:]JIJ!8#EW_R-1/\`
MIOXL?^]%LX!DV```````````````````````````````````````````````
M```````````````````````````````````````QSR[_`-JS8G_H/Y,?^F7&
M$#'7U#N6-ZX;6CCWN58]B-N]Y)NX&^=DV"CW?,MP<NP*\[<2MS;7<;C2OE@_
M<3CSR$R[(;7/HX;5IW.%;X4>6]:47LIR45WD!\XWJ!V[BURJSCCORGY?>GNV
M+C7++8+`8=^Y-6?U"^2>U_%F1AMVW9N%/93;;/\`,MN..46U66_YAMG-B9;%
MD;EV?;ZPLDUZ5H2Y59D6M(I!]$_$7FIN;S`M&';I;'\?L%?Q#O6Z.YNUT/=#
M).0DVW[R0\=VCF9Y@\O/W[%0]E;QCC[7>]RL&I6V';:V=T;U3M=QIW"7&CUJ
M5:WM#,+?S;_<'<_;.]8=MANQ=]DLQN#X]>T[C6*UQ+U<[#,@*^9;J].USZE*
M'<XC+Q1C5)<.LY*%PALJQ*JI2KO`U(6W@UZN%AJV>`WU2793%DW[;ALK([QM
M)9H]TPS&\(BY#4O-2E9J,A+3N+=,P^,C0IS9Z1&3'*DRNJOC4Z+PKV8\`?4F
MRC&Y5NC>IY<[1<I&X=EO$>,NU;;ICMOVOLT/LC;<N;,R/]Y;K<OM"?,K2L@J
M7&G=KFUL5E:JU**`?K&?3O\`4#Q2CC=.Q^ISEUJ2Q<AK%N1*IUMO$RVG=]GJ
M%X==LLV;D.S+)+Q4HV_*G2*S?,U>V"QS&1_+92:@%UY/$3U#*&^.1;E6CU#W
MOV[J[_Y1NEB6SU\VGI3;);]KKC#HK:=B;]<X626^I=,96;0H4G3J="C/MT>-
M4J1GNKSY#F!;:\<%O4\N&-P(UO\`54O5HRZM;JZ9%D%+9:PU[?7N[-R;CD=K
M?8;"ZZ4[?9[;#PBG:;578K*M28Z!)\QR,N4A6!>^KM5OOLWQ#CX9R(W]K\DL
M_;R?V'O5/<R7B\7$ITBP7WE[M-=+/995I@R*\"DMDCR?(IMCMI4*5%K*5-B,
M8T#9P```````````````````````````````````````````````````````
M````````!XJM>C1[/.K4J7F/2G3\VHRGWU%152FSO5.YZHBZ(G7H!0J.7XE(
MLW[Q4,HQVOCZUJ<=+[1O=MJ6;XBM(I1*-#[39)="\ZK*K,I-;W]SJCVM1-51
M`*I6NELC3X-KD7&#0N=SIRZMMMU:7'I3[A2@-IOG5(,-]1LB73ALK,6JM-KD
MIH]%=IJ@']AW*W7!LET"?"G-A2Z\"8Z'*H26Q)T5425"DK1J/2A+C*Y/,IOT
M>S7JB`4QV6XJR=:[8_)L?9<KW&HS+-;W7FW-G7>)(1SJ$JUQ%DI7GQJ[6JK'
MTFO:Y$715`D````````````````#'#,*M)G*_82F^I38^MLAR:;18Y[6OJN9
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M&)"KY;C^YTRWT)++]'SRV+`;CE8,E^/'$+D7;L\RO?JGNYS`V1=!VMW1VLVH
MXP\A>6=WY38>S(,H2W7?']Z<_J3<OW6LE&\6;+:<G[-@5[OF-P@VMS:;;G1B
M5$L<4()M]QZYL_N#MC'L4CE1LWD^(\B>/V5;B1-WN:</D"FZMEL&'4+-O/?)
M%:XY'GEWQ[9NK?*39,7%[;D=L9D-7S9,G'K<YS8RA&MB>.?J5V?;7"ERG</>
M7'<WQ_=^^W&[XWG7(JV;DV[)[;=>`]PVZR#+<CR*5>L\R1VW\GFO!=D^+8W#
MO%.A:[?>FUZ]FB)$B6^TA:O:[C1ZEE@D<=:&4TN35^LVWUUWR;GM?)>;>21\
MBW/VLN6(\@:6*X7N^VV<GLPMMAW:ON=7K$)5GR3'JV2-B061J5"3A:6J8R]!
ML(I[3YCLAP1V2VKW&SS.-S-S;=N5Q3_?++-Q,\RC<G+LCSB?R:VJR;+&,R;,
M<ARG(+C`MTA9?P<;XZ32A6V*VG27R***@;+@````````````````````````
M```````````````````````````````````````+#;Z6&]7UVT_V-;)ER^RM
MV\;NUS6)&J26P+9&@7FG(GRTII^SAT7UF(]RJB)W(FO4#6CL7M/FFUVPV6X3
MNC@EFM>>7C;CB\F&9%9^&FX.Z.V=K<NQTG$)]LNNRV#W2]WJ1N_B=PQO)H.2
M7V;=FM;$NMAI2:B1EB6I`H-CV0WGL^ZG&V9<L>R"V6S$<.X,8[<MH).R\S-_
MMJEM?:/_`!TS>5RMLEK6P;.3-JKID4J1)Q>G4B4\E=B24*5-:>25&50O!MY:
M,XSW$=X,LVGV-NVT]3=:_;<X1==J:N!YQQKOF+<<<.HYM5@RJ%PS+;S#K?=]
MZ=PJ=YN,2Y5+')8F)6VYV^G3KOG6MM2XA^^+&)9MA&;[`0LRVS9MU0B<+^)6
MWBX[-X]YYG;[#D.W-/?&V3\;M&\6(5H.WFS<K'8=UME:9#NL.HJ4IE.@SRG-
M5P&V(```````````````!`=P=K\%W1@6B!F]B;=5QV]4\DQ>[0[A=L?R?$<C
MI0+A:&Y#AN7XY/M&58A?76:[S(+YELF19-2#-D1G/6A7K4WA;W^[1MU_I'R`
M_P`67*?_`&R@/[M&W7^D?(#_`!9<I_\`;*`_NT;=?Z1\@/\`%ERG_P!LH#^[
M1MU_I'R`_P`67*?_`&R@/[M&W7^D?(#_`!9<I_\`;*`_NT;=?Z1\@/\`%ERG
M_P!LH#^[1MU_I'R`_P`67*?_`&R@/[M&W7^D?(#_`!9<I_\`;*`_NT;=?Z1\
M@/\`%ERG_P!LH'OV3CGM39,DL&6U;?F&67_$YDBYXE-W.W6W8W=IXE>95NFV
M:1D&)V_=+-LPMN,Y)5LMSE05N4&C'G?!2Z\?S?)KU6/"^(``````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M```````````````````````````````````````````````````````````!
"_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>54
<FILENAME>g655868guloien.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868guloien.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0RN4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````>P```&P````'`&<`=0!L
M`&\`:0!E`&X````!``````````````````````````$``````````````&P`
M``![`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````*$`````$```!B````
M<````2@``(&````)]``8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.6:U$:U,T(S&I*6#$0,4FL4,W+JPJ@YXWVOTII!]SS_`-]K_P"$
M24R<&5L-EC@QC=7.<8`5"SK>`TD,%EH'YS&P#\-RIVC*ZC8'93P&@^VEIBMO
MP_?>KN+TD'5A#7=P=)^])2[.L].>0'.?5/>QA`_SF[E8%^(_Z%]3O@]O\2K&
M-TAKV.JOK`<"#,<PA97U2QI]6INFIVB!/DDI9U9B8T/!07-A9YWXS[#0UU-K
M``*X+@0WZ7J#]W^6M#%R&Y='J`;7M,6,_==_Y!WYB2D3VJN\*X]L*O:U)36A
M)2C\J22G_]#G:VH[&J%;59K:DI#F9+,+$LR7C=L@,9,;G.T8W_R2PL</N#LJ
M]V^_)<0YW@P1[6?N[W>S^HK?UL+VUX;?S'&QQ'B6A@;_`-4@XT;<:N(VL)=\
M2?\`:DIVNG8`M:'$:<`1I"Z"KIU;ZVUN''!0>EU`5-`\%LT,@>:2FNS":P`1
M,)G5!IXA:!K(Y5:X"/-)3S?6<*EF73EN$5.,6'@?!W]=OM7/95U&+U8/Q]WV
M>T!CV.()VGZ+FZ^YM?TF_P#7%V74*?5H<.[2'!<'UBEK+W@>W6=.Q\0DIU[6
M1(/95+6Z%6<2TY.%3>[Z3V^[^L/8[_J4*UL%)33A)3V_E224_P#_T<6IJN55
MRJ]05_'9)"2GF_KE66WX!/!:\>4AS?[T'I376Y->\?O"/DMGZY8F[IV+E;2?
ML]^UQ`^BVP<N_P"N5UK&Z'=6W*FQP:P.T)^[1)3VW2W0`T^&AT@PMBN1'?M*
MQNGVT/TJL:\?2:V?<!W"V*MNWXI*;#HCG^]5[&;CYE._*HJ)%CMKAK')55O4
M1<XNH836.7.'/DV$E(\JO]&Z-9&B\_\`K!/J.)(]KMI:?I`_R?ZR]!MN%E1(
M!:1V/_?5POUDQ7W=4:*_I6P-OCH'S'S24SZ&-W2:_$66#\0B7M5^OI_V#%KQ
MAJ&@NGQ+O<2JM[>4E-&/RI*4))*?_]++I&H6IC-U"S*.0M7%[)*;WV*G-QK<
M.]@LJO86.8?,>P_UFO\`<Q>==(P;;K[*G#])CD^HT\[FG8Z0O3\0<+E^M[:/
MKS;M`:+\>A]@`B3LASO[<>])329T[J%[\=^-::G;B'A@@,&OYM@=N_SEO])M
MSF]0NP,I_K-J`?7<!M<YI]OZ1FNQRM4ULV@U$AAY$JETIY/6,B3^;K\C[0DI
MO=3PO7L>6OV@`".Y^']59]72LX95KFVV?9#_`##'..@_E[O^^+=:0]Y'GJ%,
MC8/))35.*VND[CN/$GNN<SL#[1UK"L!#*Z9L>X]]L?H_[35T>187`^$+*):,
MBE[@'!KH(/F'-_BDI'G,!>[;]$:-^`65D-6O;+J6N/)&JR\F-4E.?M_ZI)3T
M_%))3__3RJ'<+4Q'C25QH^LU3`=N.XN'T07`#^U`4'?6_J@!%+*JIX<&ESA\
M-Y24^GX;QH%S7URJ=5]9</*((;;A`!W`+J['5N;_`-MN8N0/UP^LI&T9SVC^
M2UC?Q:Q`_;74LJ]CLW*MR=@/I^J\N#28+M@=]#?L24^G8=C/0!)T`DK&Z%G5
M?M/-^VN%-KSN;)@.`)^C_95S")R>GLLI<!,$AV@B$'"LH==NS*#6]KHWAAL;
M(\',#TE.X`;;P:Y;6[46GM\&_G;T5ESG!U=@BVLPX#@_NO;_`"7*NW,JV!M3
M+KR-`YE9#3X>^S:G<+YKOL`;)@09(:?S7I*6M(UGP61>]P<T-,.W`@CMJM'(
ML@&2L'+M?91F9%?T<6FPM/8V;'?^>V)*;+<[%R\5MV)8+*HVRWL0-6O:?<Q_
M]99V2_E<CA9N3@V>ICNVEPA[3JUP'YMC5MT]5IS6P/T=P^E4?_19_/24EW?E
M20/4^/*22G__U/+X2VJ0">$E(B%%%(0R$E/4?5GKFVAV#:Z#RPDZ+K<!H<!;
M6^-X$M\UY6R=[8T,A=9TSZR'IY;5D!SV``L>-26GC>/WDE/?4U.V^^PF.RAD
MV,`+9]JYVKZV8[P36QY![G0?])5,CJN7FN/I'TZQIO[#Y_O)*;G4\QSG_9<=
MVZUQ@^#0?WD/K&SI_P!6LL-,;F#'9)@N=8Z+W;?S]WN_[;6ETCIHP*Q?8R<R
MT#T6.^DS>-PR;@?HWN9[L6I__AN[]!5^DYOZ]YS"_&Z74Z14/7N`XEXBB?Y7
MI?I/^*M24\F1[4W@1H1K([%%@`(7)A)2;[;E_P"E/$?[?ZW\M)!A))3_`/_5
M\P!4T,<A$[>124L=3/8(;E,'VQW[IH24JEFZUC8F7-$#XK>R<;`91ZF0\N>"
MYM0K^D]_M]1PG_`M_F_4=^XL_HE+;>ITL=]$;G.^`:Z2MFL"[J.)59[Q3B5!
M]8]I)>7W7,]ON]O\VDIL='Z)@9MK35::F!OJ6,M876`;MC:L=K?3^UW[_9L9
M_P!=748_1Z\>T.;7Z0J<&`&+K?4[8U3/YF[._?JK_5\/_#+G<,=2-X9TAK,2
MZH^IC7NT(M$5>CN_?N:[T_?_`(/WKJL;.9EU`MK=CVL#J;,8.V%C07;Z<2YW
MT,2_8Z[-ZS_A:OT?\XDI#GY5>'BY&4\->VACW.;NW,<01OJ-[_Z5NO\`39FY
M'_:[*]+`H_0[UY=???E9%F3D.-E]SC9:\]W..YRZGZ\]0)=C]/K<W80+[0P;
M08'IXC&5?X'$K8;'8M/T_P#M39_.KDR0`DI9QX"&.5(F7**2ETDM/X))*?_9
M.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S
M`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`
M+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_
MVP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__`
M`!$(`'L`;`,!$0`"$0$#$0'_W0`$``[_Q`"$```"`P$!`0$!```````````(
M"08'"@4$`P(``0$`````````````````````$``!`P($`P8"!@@%`0D````!
M`@,$$04A$@8'`#$305$B%!4(819Q@9$R(PGPH4)2,R07&,%B-"4F<['1X8)#
M8T0U)Q$!`````````````````````/_:``P#`0`"$0,1`#\`05;X=`#S!J17
MXX^$8`'LX"50H9704`&%#3"I.%.S"G`3*#:RH"J<"FHH,:TH"1CP$HBVJE/#
M0@T33'$X84^G@.^Q:2JGX=?I%.X4^&`X"$Z^W'V[VNBH=UKJ:W6J0\T78MH2
MX)E]FHJ4ER'9XO4GNL`US.Y`TBGB4.`I!'O(V'5,1$<GZGCM.)2H37-,2W(H
MSE)H41'9,[#M`8)KRX"T]*[T;.:W66-.[@:;>EI6I`M]QDKL%R44+"5=&WWY
MNW2Y**D>)M"TGOX"PU18LH$QGV)"2`H%AUIX!)-0H%M:QE([>`CLZTU!\(_:
M[#6E`.P85X""7&W=,GPE-#C]!!Q[R*_3P$$N4($*(0D@BA[_`*A3#`\!5=VB
ME)<&6G/+]%2*BHKP$`\J//URG][-ASK3N[_KX#__T$7P(H*4"G(T)^S#"F)(
M[N`G=LMV;)X:)P2#VD91V?'@)];[:24C+7XTI3O/P/`3.#:/N^#`8D?5@>0P
M/``CO#[NI)N-XT)L;#C3+E`E+MEVW0NB6'],V22RZIB4W8(CS;D:^S$.`I;>
M<*HV<>%J0"#P`P6#V]7_`%I='+]K.;?K_>KU*=<FWB\2E/R)4LJ0H+)"RZF,
MXD>%6=*4-T2`!E/`%99/:[=;3'@"[:43>K9F:0IYBW!+[\8!QLN!V.!U5%Q\
M*<4<X+1*3X14@2;GY>V@-Q;7"D1(#4+S]E:0EY.=MV/*#94''>F6%^89;(05
M8EQ*3GJ4C@!:UA^7O>=G'Y>I)5XU%$T_:U,/J])9GF:B0*U:9E0AF:+*7.HE
M9RJ"#B2%C@*W@[OZJT`B7J#UZ;J^R.W9"'M*ZHU*NX7F1;5M+2JYZ?EW!DS$
M-9FA4)4Y&#J<I"%+\0%_8;Y8]>:8MVJ=/N]>W7-A2T)4$"1&?0HMR8,QM"E!
MF9"?2I#B*^%0[CP$5ND'I*6*8*/(`FE!7NPP[^`J;4,()*U)2#3]G+RQ(!P[
MZ_IVA670_GJT/*E/_-]O`?_12E:(17E%/$2/B*9L.7;B.`M"UP!X0$FI`[.?
M?\<>S@+,MEKJ4T0#@.PDU^K'$<`MW???:_[N[C+V2VHU*[I[05F1</ZB:TM<
MKR3MX:M:''[U&B79OIO1]/P&(RVE*:<0F>XI25*6P4YP]6T6V%IO$B.Q:K9Y
M&(\M+=DM?\VPJTVQW(Y%4\&)9+MTEMHZS[A4?%ERY0D#@&Q;$^UJVAQARZV[
MS<92/+J2XVJ3'<)4LMOI>D$RHBG4K(S)6I1.))%4D#HTU[9Y-KN3\B&''+%)
M(<5`=0%QXRBH+#:0YGR)-5$+94THJ4,Q(2$D+YMNSULL[*RW%Z#2$'*A*"E+
M2^H'%!22HT*'`%))`5VFJJ'@.3J#;>P7Z'+MUYML:?$E(++_`)EE+N8!0+*<
MRDE80DBG.N(H<!P",-R/:-I&Q;\WO1$\6VQZ/U/$?DNR)<"!EC09'F);4R%)
M>\JP'X<^(4.NI+61IPI<&53+L(`PM/E_;][@KSM@_>[1/T+K9]+-KG6A\&P1
M]2-K$&UW"$"^\W"=O*F3"F,@)!DEA0(;1D2!$7ZVX+('+'`5Q[\/UX<!3=^B
M!3;B2FIRJ[.[,!0?2>`ISRQ\_DHK-FIR'?6G`?_23_88.8)-!3#N^'.OQ^W@
M+>LMMJ4"G=V=I'/EW\!'/<;K2?M)[?\`<G7UI<+%XM-D8A6B3@E<2YZANMOT
M[!G-52M)?@/W4/M@I4DK;%014<`ESVVQX@L^X=^ER0'8=B1&;;+@0M]RXRVH
MTE(66W0$M0G7*?YRGMI0',^SO1B+Y<VKG*:0XI(:<6M0`2D20ZE;:1C3*T`A
M(J:5PY\`^G;O2<:(S&2S&`+C+=10!M*59$XT210%52>VGQX`M;+8V(;"$-QP
M4E)_AI&4E0P410D*!^D?XA[)=I;0E56\H33[U%$I_<J!3#F`.`I75-N1"4"&
M^F%I.9*5BJ5U*DK&"N8^!^HC@%J^\C1KVI+?8;]&7,@2[>Y-MTFY6EQR+=H[
M!8SA27VNFIR.N2ED*9*P%J->:1P&83W`'4EJUK+G.RQ,G0+BY*#X:R-3`ST`
MTY)94T2S=$B*A:EA2\ZVDE2EN-E:@99I;44+<+0FF]:0$J,74-I8FE*DI2MF
M6G/&N$9025)"HMQ8=;PP.7NX"N=1PNDZYA08]G/L'9B>`IGRR?7<N55*YOKI
M7E^[P'__TU7:?@X()3C04KV&B<1P%W6"UJ<+8R5J1]?;]N/=P%"_F)A^P^S;
M<);<./)3=[MH>SRE2$(6(C#VK;1-,IA*TJ"I*7X"$((H4*<S@U3P"7-FY<>+
MHBZ6=IU2)MW;,I\)&5M:8[@7';)_;2DH-*^&OQ)(#1![+[4J#!ANR06Q=(EH
MN;*4(2O)YR&D%I83@A20D4;IR&-*C@'PZ)@1VHL)+B<H+"$9B0A*5EM+B`H`
M9AF(QYX`_6!):<30)"$)?6VV,546V@)`*75`#*HE!J>5.`^E\9:;;?0D`@A2
MPM*"E*U)!)^]R`J`#0U[>[@!]U-:WWGTI4`XNF9"14J(K2H24CPIJ>0`QIP`
ME;S6Y*-&75MX-K0A]Z1D=:0\'4)34T2H`F@%:=N(YBO`9*_>FQ&AZKN:HBUQ
MY)D.K\O)5U2^A2VG/,0I3*4Q3T$K;1(;5BHY'DI`<0H@1OLIE2+S[>80>!*+
M1JK5%L8S#`-*D,74A-*B@?N:\1P%CZN@T"U@'`&M`*_KQP_7P%(^7'K.>IIT
M>>7#[]/O?1V=_`?_U%LZ<AD],4[0"2#CA^LD<`1ND+3F4R<IQIS-""/A2F`X
M"L_S#]M96JO8UO1Y)LJFZ;M^FM9MI%:>4TQJVQW*\N*RI)(:L#<M8[*I%33@
M,\VS\>&P_IV/*121=XI*2XI/0H4EJ(EQ(-41VUJ2%D!15\*XAIG]N%CC-:5T
M4)B`U%>MD.WHGJ9<32=';#84B5&D,.H<C%(Q4*N%1Y`D<`X[;F7/5;84=Y,6
M4&DLM+6IQ:G5EM('B"T&JUH2?VCSY]X$995^3=>"&W6TN95H25N],YJ>`I"U
M!(K3#N'9P'7GN/O-%;W33AX4(94'%H!!KXE$^(&I(2.`K:0(;SDUM<R`FYE"
M2U#<DM&7T<_/H]0OY*]@`3ARX`:-WK7!FV9^)(21"D(_'R#IK9<S9)`0JI*5
M(<2,:$4)J#R(8W??WYK3VXNHMOGH["TM7=R9:;DZP%/B,ZN,Z(XDI"G&V6&U
MC*I9.9,A2%!61!0!<>R/0MZTM[?UHO33["KSK34-\MT63&?C.1[:]$M,!DI3
M(0CJL2G[<X\VXC,VI"Q0DUH%C:P@52^"/W\,*XX88=@/U\`/7EAZGV4^Y7MY
M_;P'_]5?NF(R5*:!&)4.SNICSQX`LM"6K/Y?P5J$UPH2!SK6M.7`$S?=I+;N
MUMCK_:Z[O/0+5N/H756A;C/C-MN2H$/5EAG6&1/AMO?A+E0F9Y=;"_"5I%<.
M`QE:AV]W!V+W@E[4[D6==JUGMA<9&G+O;Q1QB5Y5^+<;=<[>^DY9=KOUKD,2
MX;J:&1&>0H<\`=;L'[IM5Z=T';Y]\L=B;TG:84G.+BY*9;8E(?2_%?,E'74R
M_)7(`6IX9,B2E*`2%I!K?MF]^6Q6Z#4-JU:IL<"_C(Q)L"[BR\Z9#3A#RV4>
M!QIDM*J%+H3FH0"!4&7Q]5M7&QW>X6Q:I"(D=Z7'6R2H*3%4A:<A"%'*IL5P
M-<O8:'@%\;K^\#6]M:59HDXVAWJS&Y+]OB/2IC42$EZ2ZAQ4&'<;HM#<%#BU
M*C1E^%G&@->`BFW^^VV^M+<$V76=\O-[E3`U<;H[9;I;I:I04/PDLW&);KD(
M3#\E""\EE+1<*05I6:<!?]_3>KCIAUN2[,GT0A+<R=D;D.NK`4M1#3;96@A"
MB2HYQE%:UKP&=+W>;80K][MMK]+WJWL.LZ\U')9C3'6FRM1DV/1EL1'=#[T>
M,\EF:PM32%*0GK.>)?B3P#*M>Z)LVEK/9K%9;:W;?3K:RQ/8;8;C!$R-%C6U
MQ)::4M)4OT[K%0)SEXG$XD`TUK`*.IAE!S=E?JKV\N`&[R"O7NGV9L],:4K3
ME^]7].S@/__6`[2:`7&@%<SV#`<NPGNX`T=NHP<,8$JYI'V4'97"OV<`>VW5
MN2M;&%1X?J[J]^!X!"/YSWM8U)I/W&[>>YU^W(F;6;J/Z$VZOERCN1FG+3K>
MPVNX-,6JYM*7YI7KNE[-U8<A"5('D7VW,I2UU`L[0_MBL4V[6.XVRT0[GI^5
MI]^)'DW#K,NP1>8YA2)4&9'CRT-OHC=9E2_+51G!&55"`L[5OL^V@VVV"UM!
MELQKCJ63+<U)!U)%C%S45IN(FW&XP[?:+[(;@S+?$5-N3G5"4*40!D*,B<H-
M<]IJY#/MWTXU<)QN=T<T5:VY4MQ06X])=M:,TEY9'B?<*\RNTG'GP'PONT]J
MD`&U6:W6MRX6BY6&Z3"RAY,^)>V%QKDZ15EQJ8_&<4"HO(YC'PC@.3M+[1-N
MMJ8\6!IZ.X+5'N3]V3"<;BM,F4_#,5+C[J)-P<7Y8*4MM*'6D(*B`BG(+4W&
M-HLNF9$6,R@NL-D+H*D!2<%9B,RQF`^(Y?'@%*:EVRT]??<SMWKZ\V-W4DVW
M6JZQK!:``&(^H8#+E[M%Y9`6T#*@I@.)`62/'5(SA)X"TMUVA>Y5PNRFTH,Q
M]\Y4C*$H;4MI`*:`H7E0*@X@X''@`$U[;@CK@I^Z%'$4[1]/`##Y8?,5</X=
M>7^>E*TX#__7`W2+@+C9!Q\)QI\.?V\`;VV:TE4>O^4]E*5![JX<^`8;M>@.
M*CX#L[?C]5.[@`^_/0MJC[`K)=FF>J;![AMK;HIP`A44.6;75I0^DBM*R+JA
MNIPJY3G2H5G[+-6Q[[MKIJR+2B0VJT6L+<*4K*2(Z5**G"D],]2I-*<^_#@)
ME[RFX>F=IUS%KRV^W3V#,ID2V4NM*:BM&B4A0<D$)!\503CW@3/MLFN6S8/2
MD<D"4QINT]<%2LRDI99<)<HDT""%#+V#G08\`3>C[M:;VRZ"ZPM1RN>5)_&;
M)2JI1X@0$U[/\.`ZE_6NVH_`2M1(*DT6<M$)4XHG$Y@!2M>`&+7DF3(@3U',
ML+;*E"JJ`%*5***\S1/A`//GP`8S9[\76&C+E%JF7$OC<9E:.DHA,YM^U.90
MZM#96&YBJ54,*##@/G<371]N<?<===<;EN+>?IU'RY-EJ#JB$@$2$J"P>5"#
MCP`1[B/-9I.7G^)04J>0%<:5P'`"IYE'S#D_]NM,.?5Y=^;]7`?_T%W:1GBK
M1!'WAC7G2AY8&AX`T=M;OD5&-02,@I4\@0,:D]HX!BVUUZ3FCDJ%#3Z!7L/V
M<!#/S5](R-R_RV]_X5N9\U/TA&T+N0VUX?P[9H+<+3&H=5225*2$B)HZ+<73
M3$Y*`&M.`6)[`M40O2WXK;J'&&9(9CA&920EQI"@A(YIH1E%14@`#$\!.OS(
M[YK"\;?Z:MNA4+EHM%R<O&HK>C,H7"-Z=)CL1)&1)4$LN20^D$*RN-H-*T/`
M%][4?<!HC<':_3.G+!9+E\W.:/B0;K:YEKFPF;1<&H:&I)N,Y^,U$91&<964
MY7%+?0`&TJ40.`)[3^BM0"TW>6]>&(.JH;W7TPS%BJCPEPXJG%Q[?>`V_(4M
MV:AP-O.HJEN@6E*J92$KB:O&JK*M3B5Q;C#*H=UM[U$R;;.8HB0PZE"EDD+K
M120I*TD*22FAX"C]8S4-PKLTL!"N@Z$DC!*SD&8`D&A*L!S-#P"[]Q;E';FP
M(#CR`ARXP72K,11B*L7"801XAD8BK*NRF;F.`I?;'WB[2>XO23R-`7A;-^TI
M%:MVHM(7=*(=^MB81-N;N#3"%KCW&R3ELA;4J,MQL!Q*'>D]5L!3VO[UFZU5
MX*SDXC`4J<:X'#@!4]5_Y!ULQIFR\^S/3_M^K@/_T<MD;\R6Z6IF:F!M=#<E
M)7EMCLG5#ZXJ4`D!4]EFT-.NJ"0"0VZ@$]O;P%?W/\SKW5J\TC3E_P!+:.9>
MS!CT?2=KG/Q$JKEZ,C4B;Z%.)3^TI-0<0!P%,7/WW>\RXI<0OW.[VP&W2O.S
M8MP-0::9HO%02SIV9:VFTU-`$@`<@.`IN_;W[R:L<<7J[=C<K5@?562WJ;7>
MJ+\W)!-5HDHNMTEI?0X,%!50H<^`T2?E(;MVO4\J;IBXS/Q'Y$&;&)4`ZA,B
M&&Y+1-4D%J9'(I6F([N`9WOU$UQHFXQI-N:M.M;-=KS<X]PA,+;:O<0R7`];
MI#;<YR-"E,AM!96TIYM6520C.<`!,[.[@:`BVN*Y(TSN38;]$FL3&[,G;;54
MU$EQ3;B7XMLF0+3(M$E[*?!1X4*:F@J0!`2-P=4ZBE&'I7;+7=G;GG)ZYK=N
MV:>@LMR5)2'D1(LZ[7(J0H@ELM,G`C#&@?J7;+YI>_DWJ;&?D7*RE,F9$0MN
M/+D0G4);4I#Y!><:#^7J4"RV`%8)'`45N?JF+"@RY,B0AIIN,X5J41@E13GS
MD&E,P&`(^/`*TW'NEXU=MSOSNA;$.(M^BML]QF],S`AU<9R^Q-(W5ZYW<.@$
MM0[3"2J(%&C:Y$S*#G13@,J&F-6:HT'J"%JC2-[GV&^VQ\KAW2WR"Q*9*@4.
MMKH"W)BRFR4.LN!;;J%%*TE)((,SVQ]Z43<&$UIS<A42PZO*$LM7UOI1K!?%
MB@2'<R@BS7)ZOW#_`"[A^XI"BEO@+!]9'S!DJK+EIFQIFZE:TYY:?#@/_]+!
MV(U1RP%37F2<>`^;D10!-*BE1W]^!^'`<UZ-0&H(/=2GTX'@.6I)22*&GQ^C
M@">]J6_MTV$W1T_J1F4^U;$7",)R6W%I"&5.!+I(2H`H*%&M<`<<.8#6%MON
MWIO?ARTR&;NT]'U'9&941Q#P*$R`&<JGP#5E?4`&>@(6>_@&-;=Z8OS4*&TS
M>$.>6)Z\A+B@^612C+Q0KIO!)Q2JG;4=G`%C"L$6W1DSKI?%R5LMAP5P0T&T
MYTH0VNH*LZ*`XXCZ^`HK<;4D%YI1D2$H<CJD&,I"L<N2I(4HE9&45620:4[!
M@"B-]-P[KN%JF'M?H>X>>FS9+,>]3V5UAVZ*IXN)8*FRI'74TA:U#'IM`J5A
M0$/[W@O6K9'V`[RKMB_*1;AI"T[4Z9(E^7F3&=7WM%KOTJ3`6I*[C&U`X)L@
MOH"NE)MBL]"LC@,AAB]2*MPI)#@4JH`H14BHJ"1_CP'*R`)2"*N"B:4-0`.P
M`XJ-:U^S@)7_`%!UGZ#\L_,,_P!*_A^7\P>OY7I]#T[SG^K]/R>'R_4Z5,,M
M,.`__]/"NAH$T[N0/,'LQ))IW\!]U1DJ'?S!(`Y]_P`*##@.;+AX$)`Y5![!
MVFM1RKP$6EQSF(3R3][_``%>_@.:H93@?_#@&`>S#?36&T]PEZDCW&9<+)IY
M0,W3Q6ZXMZS(0F7=9EMRA08598J%2'@KP%@*-00*AI1V9_,UV-FZ1:C7'65N
MMER2$*Z,R4U&=*@TI"&UL2%)4M1S=M#C@0>`O:X_F-[9S+&H6:[RKVM":E,-
MB4M@O)#A#?FU)#8(4NM%N)%*G'EP`$ZQ]QFYV]5WEP=,2'K!9Y3ZF9MX:4>B
MQ%*TH#$=QP!"I"@0E2D@5Y8C@&>>VCVVV7971#&HM36.7.W;UY"MS>B[)*C(
MF772=GU*Z1&UY>;?<4J2K5FM@R['TI!D?BO+ZUY=Z$*VH>D`E/\`/%WMME=I
MO;EIFZP)*+.S)W&U3#MSGF$-.7.(U8]'/JF$B4VW<+/'E.,QGP%2;0U:;H4E
MV<XM8(,C1<L1MLIS)*4C'E3&O;2O`12<4MRGV@D"BP@44,*M-*Q`-""5<L.`
M\ODNS,?NYN7A_>Y5KP'_U,*3+H"\3B,*D@5(%:FH/T#Z^`[S21E"B.8S`UY)
M`S)YU5CP'AFXA#2/XSJ:@`?PT<@I7/`'[3P$<FQTM`H[0,23XB3SJ2,:\!P'
M(Y4HTY5IR/?SX`Y?:AH)W4%EU+-=:S6J!<&W;L^E*5NB#$9@W5JS,AP+:7(U
M9=(,6&EM:5!UL.`@I"@0O]GV@OV#7,'0PW/TA;-7W-J4]I_2<VX2HM_E/0]2
MS=.JMSJ8J9QM6>1:I*V7)_03D9%5J2XAP@R[V]^P/<;5D.7?-=W%^R;?6*[)
ML2]67FYL7*SW_414CH:6T39[`],OVN=5S6E9F[?$84XV@A<A4=L]0`V/8GVQ
MVC;^Y.:FFV8PX^BYC$+US5MD8N]LTQJ-X?[79K7H*-+=B:UW)G+CNKB:<<E/
MHCJ07+H\F$Q,BO!;'N#W<T]L9H/=#=?<)F6]'TO!U'.O]GF7Y^\:IN5ZEQ(Y
MO6@INK6U-2+EN)K(.04Z\NT8156VVNP].1'(2)GE@&%;=_<W5^^>Z6M-U]?3
MUW35>N+_`#K_`'B2I*6V6W9*PF+;X3+3;3$6W6F`TU$BL-I2VQ%8;;0E*4@`
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M5O+F-H;JO,AUEHP`S`_G.>Y>;;56#VHZ,=AVB#)@6_4NZL.PR%2K5$M-KO,M
MW0FU=NO**.7ZVVR_PI%]U'+6I:+YJ5N+)4"FWPU@,^JD!E!4K!1H:^$YL,02
M#@>`CDY_.\A`S*JL85%#CR[S6G`1QW^,\HU'XSAQ)P\>!IW_`$<!Z<GX&?#G
MRQKEYUS<JYOAP'__UL&[?^I;IF^_VT_77LX"=L_P4_2KOS=O?AE[OA3@(Z[7
MS<G_`*+-<E.]7^HK_P"ISY=GU<!^3]X<N7Z4[*]_`?I7)/=X>=?A]=/\>`=I
MHFO]HFF.EU<_]K_N'R^A9?-]+S]K\WU?-_R_D\W2]8S?C=/R/EO#YC@)SM;G
M_MGM_F/E7U'S+/0\UT/*9?1QT?4O3?\`B_ELV;/YCQ>5S]3#)P!^:%Z']E&Y
MOF_[??3?+[I>H^L^H_TR\A\PV_U+Y-]%_P"5_.WGNG\S>E?[E\N=#R/\IUN`
M;+M=YO\`IMH?-\]=+Y(UWZ5_]-\Y_(V:]9OZ8]'^<\SYCR_SIZS_`/HOR[T,
MOX/G.`QV_F=>:_O,W1\W\R5\II?R_JWHWRUZ=Z##]*_IKZ+X/Z6^F]'T7S7^
MZ=&OJ/\`/>9X!>\SDG[_`#'.O=\.WZ.`C2_]8U]_^+VUR_>3RICF[^`XS_WE
@?]1?T\T\_CW_``^O@/;_`/'[*]+X=+G]G/\`2G`?_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>55
<FILENAME>g655868hand.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868hand.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0UX4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!I````!@``````````````>P```&P````$`&@`80!N
M`&0````!``````````````````````````$``````````````&P```![````
M`````````````````````````````````````````#A"24T$$0```````0$`
M.$))3004```````$`````CA"24T$#``````*X`````$```!B````<````2@`
M`(&````*Q``8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B90!D@```
M``'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.
M#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!`0``````
M```#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q``
M`00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B
M,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8G
ME*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"
M!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"
MDD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_
M`.5:$1K4FA%8U)2FL4PQ3:Q7^F=,LZAD"EAVM&KW=_ZK?Y22FKC8.5DR<>EU
M@'+P(:(\;#[%8LZ+GULWN:W:/!TKJ\A]&!BC#K<&[-``03][QM8L+,R-XW,M
M<">''_R3/_()*>=OR6X[MMM;Y'[HW?Q35YF'=HVUH=W:_P!I^YR75=]TUN$.
M&K2W@S^<TK$R<?(#(N;Z]8^C8-+&_/\`/24[[JT%S86=T;J-GK-P;W[V.!]%
M[M'-($['2MA[9$C4'@A)33>W15WA7'M@JO:U)35VI*<?E224_P#_T.<K:K#&
MZH=;5:K:DI>NMSB&M$N<8:!W)75=%Q?L5K:W-!+VPZUIW#=^>S:?S_<LWHN&
M'MNS'-W^D-E3?Y9'N?\`V&+HNC=/#>GU6G^<R"YY(\"=H_S6#:DIH=4QL(@B
MT;2)VAUFX_=]%JQV8U;K",>=X''(CRGZ*["_HE!;+P;".`>)^2HNP*ZRZNMH
M9(GP24\ADX3G.)<W4<>2R\JD,)!!GNNMRJ?I.[C_`%*P.HUC4^"2G#K8RNT6
M.:"3[7>,'P3!EO2[B6$OQ7&75\\]Q^X[^4C/:"US3K(3WN-_3&VG6VL>G9'E
M_-N_E>HU)2<EEM;;:SN8\2TH%HD(?0W[\.UG:NS3^T-R/:()24TX24]OY4DE
M/__1Q:FJW6R4"H<*_0R4E.]T5C?V80/I![@?[072].KVX&/&A:S;`\BN7Z-;
MZ;W4$P+?H_UEU->;AX^*Q]UC:6.<YC-Y`DM.VS;_`%7)*7NN](&1/S"RWY#7
MVFL.!W-.FFJ6=]9N@!QK;EM+VZ$#0?-[H:J?VBEWIY;6AP<"6.;JT_NZC\U)
M33R@8<-=-"N?Z@6ZSR3!E:?4NO8^/2Y[OTEA_,9J9.O9<S=U/-RPY]>&33VL
MD:)*070W<!\$/(M#,=K!IO;\I!W-3.R&O+C9^B:(!<3#=?W7N^"S\G(<7%CM
M6@RUW8S_`-]<DIM_5W5V6W4#V.V]AJ0K][>ZK?5ZG7*N:?:X-;YS])7;V\I*
M:6W\J2G"22G_TLND<+3QFZA9M'9:N)V24W6X]SVG[.0VX`O87`D>SW_FEKNR
MU,#IV6[IKR&UWYE=CF18"6"/;M9N]_HM=NL]R!@.%=M=D3M()'B/S@M["Q;<
M?>*[6[W#W[A+'-YI=R'LL:SV;DE/'=;^K'7JKJL@W4MI;)O%-;6D^#6D?F_R
MU/IW3+AC=2%[[L>J@465MHM-3;++6N?:?T7Z3Z#?YO>NEZK7:6?:,E^,*ZM2
M7O>X"/W<8-K]1W]M5\\4U=#)Q]SAD@7/L?\`3>ZP>]]G\IS=C/\`@V?HZTE/
ME999;U)]=CB0V_Z3CO.UQ^E:UWT]BV>I_5YKLI^4S)<*W-`JI:\D`@?2)^D[
MW?OK)L<RG*>ZS<W:X^YFCA)768V,W(H:_P"TO<S;+37M;(_K,:UZ2GE\CI;&
M.%ES)>&./OX+I9M>W=_5L6;?7ZSMO!CE;O5=C"6LX$@`K$K8'Y#:W$AKC!CP
M@NC\$E.QT2AK<2TLU9N:!//&XJ60U6>E,`P'/:(;98[:/)HV:(63&J2G/V_]
M4DIZ?])))3__T\FEW"U<1XD+%I?PM'&MCNDIZ/$>.%NX][W,D#W"&B.\!<MB
MY'$%;G3<VMF0VFQ[667`^E6]P#GEHWQ6QQW/]N[Z*2G'ZW;=U+JE73FD[-P-
MC6^`[?VEJ]?KS:>G-HQHMLAK=I(:!`V-VG]U5;:K&=7]3&KWY%OT9,"!^\[]
MU3M9UEF,YG6#L<'OV68M)NJV-$U;G.<VWU4E/G-O3^K"YYRJRT[CO$3W_>6M
MT2UU0?C$_P`IK?"?W47K)S7,;96\VNMAQ::_3#9_-/N.YW]55_J_BVLS:\C/
ML;,PY@!@3VDI*:?618V\DR([JITC'KRNK8]-HW5ESG/'$AK'O@_UMNU:WUG<
MPYCJV"!7)?'8?1`7.5]6NZ7D,RZ6M<YQ<S:\2"P_3_J_UDE/:Y3F,:&,`:QH
MAK6B`!X-"R,E_*;'ZUB]2J+ZB66-_G*7'4>;?WV*ODV)*0[_`,J2!ZGY4DE/
M_]3CW]7KI.VIIN?Y:-_SOSD-W7.I._FRRGX-#C_X)N_ZE4]@!,?<G<0T$E)3
M8=U?J\$.S+0#SM.S_P`][=JHU9=^/EUY>/8YF32\65W22X/:=S72B-UK<]WT
M0#RAXE!</5<-#]$'_JDE/M'U8ZC7UK!HZP&"FRYKZ[*OW;6G;=L_D;AO:M+/
M]6RHM:]S2.0.#\ER'^*[&OR<+JS66$"JVHU,[;RQWJN_MLV-70]3ZU]BKVWM
MVV@1[M`?Y22G!S<9VNNO#96#GO\`LM4/=%CB(CX[E;ZE]8ZC8Z(>X&=#H%R^
M9DWY5F]\PX^V>3\&I*3]4SW9EKG$QZAW/(_%RP^L!]>4*7#;L8T[.XW#?[OY
M6JZSI/0C2P]0ZFW934-[*7:;H]V^[]VIG^C_`#UQF?EOS<V_*>277/<_7G4Z
M)*1UVV5/%E;BU[>"%KX_5VVL#;_:_C?V/Q_=6*BU1W24[/J-_>;X\CCQ265L
M9X))*?_5X$G657M<7/#!XHYX5=VED^:2FXZH%C:^WYWFB-$:<0(4@/:)U*8D
M$P.!^*2GT'_%9FXV%T_K.1<=K&WT@#\YQ-<,8P?OO<H=0^N]69;:WJG3]N!9
M`J]%WZPQWT7^H'[6W>I^9Z*S/\7N/?F8^?6W^;.;B^X\;MMK3_::L7ZUV,P<
M_,QF$Q5?=5H).T6/])Q<[^JDI[WIWU2^K_7NF59G2HJQ["X&QVY]NYI+'-<Q
MWI^G[FJ_B_4+HW3@;B398T2;'\Z+'_Q>8?5.@MS*<S?Z+JV7YC''^:R7;=K&
ML^COLH=^L?RZUM]5ZG?E[J*&G:X$?``2Y[_[*2GS_P"OO6:Z\<X6+[1D$M![
M^FWZ;O\`KCO9_GK@%H]8S7]1S[<DF6SMJ'85M]K`/^K5%K04E+-;,?%%:("<
M-U9\8_!2B70-824MJDB>E_<DDI__V3A"24T$(0``````50````$!````#P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@`
M`0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#
M`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`![`&P#`1$``A$!`Q$!_]T`!``.
M_\0`A0```@,!`0$!````````````"`D&!PH%"P0#`0$`````````````````
M````$``!`P,"!`,%!`8%"P4````!`@,$$04&$@<`(3$3(A0(05%A,A4C%A<)
M<8%"4C,DD;%C)1CPH<'A<H)#-$0F"F*2HE,9$0$`````````````````````
M_]H`#`,!``(1`Q$`/P!`5NB4H>77VT'QH!RH?9P$MA0BN@T\N1Z5%3TY=.G`
M2^#:0:51["4@`5!H17I6OZ>`ED.T\D'2$TI3D2>I'(<NM:\!(H]H*UH0&E+4
MHI2A(!\:U*`2E`ZJ4HT`',G@+[QWTQ[U9+":FVW;N^LPY##<B,]<XBK=YEAV
MH:=C1I01->;=(HA26R%D@)KP$$W!VIW!VR9>>RG%9<=,4CSC48HEN1`2:F4E
M"@F(4J20H.E&FG.@Y\`+,S?7;2V3TVV^7"X6.0ZM89-QL-Y;C+""I*EIDM0W
MV>V"D^,D)(Y@TY\!8=MN>.Y+',FQ7BVW9CE]I`E,2-&H!0[B6UEQI5%`T4`>
M`^"=9^1*4C]H4YU((%?ASX"#7&WEHFB=.FNH&O))K4^SE4_'@(-<X"7$J(;0
M:"G,5-$]*"G+D?T\!5%UBE"G$E&GK3W4K3X>[@(!Y0?4=6GGUU<J>[K_`*>`
M_]!%-OBU">1Y'V#W@4'3J>`GEMM]=/AH*`"@H?E_S]>`G\"V<@-()YDB@'Z?
MARKP$VMEE<>6RVTRXZ\^XVTTRVE2UNNK6$-MMH2*J6XN@``Z\`]7T.>C:3MR
MS%WAW&MK:[[VRNSPFH,*?]&3*BN%IE5R?7*<@37=00](AL:FTJ6T'Z*6`$RW
MKW)AOW>XQH-\QRUI4%`-L61^6M;BGEF0EJ[.7)Z2MUI+6IY#:5I0@$I10$$%
M6;XYWD;D29*N;HRBQP4.O+,27%N;ML?-2P3.[#5SMZ@@CMI<C)1K/0@D<`B7
M?BW9'=;_`#+Q@4F"UYL.R_+KB,JM4^/5Y?9E0BTN,5/E.D*2BBAJ"="TA*0"
M+*+E>;'=XUV@QKOM5F]KD"6S*M<IYO$[D^5.-NOQ'PXLVJ7)0V$J"J,/()04
MT.@@Q3TL^HJ9O&S<\,S**S%S_&K<S<7949*6XN0V;S#4-VX)C(^SC2XLEYI#
MR4GMN%U*D!/B0D";N]J2M"BE%.2J4`H>?0TKT]G`53=8:F5+H"!4\NM#2O,4
M(KSX"K,C@!.I82#6A("??5-24^^O`5AV?YZM#TTT^.JGZ>O+@/_12;9X6JG+
MF:?[--0/6G,U/ZN`M"U0`=&E-20*?#VU)]M1TX"S[;:ZE-$<NI)',4)_RY\`
M9'ILVNB7:]1LXR$OV[&K!>[3"8N*K?/?@NSI,A)<2N5"4.PI+:>RFO+6]KY!
MM:T!H`W0L'UW"<<ML'*8MBM(M!9MMF,.=?9DI]$-R-(EO0[2S;D6N0VXI);!
M4AQ*T!08:)6E0)QW1V8O]BNRG%;B3W4L--*C^?5>W[=#H=(;\C(ER6&$H[*0
M'J!Q"DU00KY@'[*,*4Q:0+E%1)FAM4A=U1.FR5S"0I#:I,K[!V1&>2K2$N`I
M4@A%2FG``CDFS,>([*E(@4\P\ZM3'82D09"7"^KL%`(;C:E@H("6P/"=0Z@(
M.ZNW]E>CS(]PBP9WDD4<2XRHJ`<02T#S[?EUI)U=---0/6H4WM+M3CV)Y;,N
M%G?N%BR6_6:;;,;NL27)[=L>?:<[T1R&N2B%(;DD(<;#P"0IM)"D]%!.=N=V
ML[P+)G<`WBEN7BUO2%HM^7S2EN;;4$N-M/3)"FF4W6S.N,%"WR$OQ'`KOC3\
M@$Y?(#<AGOL+0ZVXA#C;K:@XVXA:0I#B5H)2M"TGJ*BG`5#?8@4RZ"BITJ'3
M]T%(Y?[W]/`4SY8_4-%#75I]G757K7_5P'__TD]6.$5!-`!6@I\/C^GW<!<%
MEM?B34!1(`/+ER'04%.O`7_MOM]=\^RK'\,Q]E+MXR&XQK;&4]K3'C!]8#TZ
M:XTAQ3%OM\?4\^YI.AEM1IRX!T&Q^W%WG;CG9G#WHD[!<'Q*]3IK#MKBA-SF
MO-Q++%>>6U'G.-7.9<I"YHD=PR$J0I(5VBII0']>]LMR+CCZ<=Q*.&K3'BJA
M^<9EH@!_Q]EWMN+LZ[_*A.N*6IA+L]:T-I24E`\``%<S]&68.R9$K*<RFS"@
MEQ^"IZ5-5'CD.E!BO7&9)E(2V&M.LN$D4]^DA%,RVGMEAQB+9F8#+\:.PM34
MJ2''7UN%"%.(4])4I3ZUH24)KX>=.0X``=Q,(B,-/M3+<R_W8ZJ)6EM9$->F
MK*E#35:5ITU52@ZZJ<`J/>?&Q;I;ZPV$QUNK%$@J5J4E0(7XTZ`6G>2T@5*!
M0<AP`O7QCZ?#%\BHK+M+C<V.EP(=;<>8="NTH-]H@.5*#IH%!1Y<J$)'ZB+1
M9LAV\LV;0&N_9[_98U\@*D%7?C26F_*S'&5)6%HG1I+*XKK:J^82@:B'$L*`
M<#TFY7-RO;N\V&YOIEO8A>3$@OZD+7]%N+/F83+BPHK*HTIN0E)-!VM`3R'`
M61D,,-/+&D@&M/8#_0*FO^G@*9\L/O!HHJFK56IK736G3I^NO`?_TU4X[!J4
M53\NGWD5HG]0`X"\+':RK1X32@Y#KR)YG]?`,^_+\PSS&<Y=DB([;UPLN*R6
M;<J0W5J.NX/,MR'U+!4M`,5"T%24FB5&I`)(!U?H^P6WP\SWON-NBQ$JN43%
M+?';0P"68LI-P?DR%J6DH;*PM!*`:-A(-%)(J##8<6%:(C,1$,+TK>DE3R5<
MG7M)1IJ@]LK(\7-2E4YD#EP%"[MP<>1#>(;UONQ)I=6PI14A7;1I)35M+@4M
M>D)6E0J*D42:@!&[S,`XE;T6];ZX:7WE+6\GR[L=UE$8(0E277'%,/%6E(-?
MM*4YU)!9>ZT9EUGM@N)[,=Y@N`5`75*XR'4Z`VXPL-D*!(Z5IU!!0>^M@*$J
M"%)9?:=>=+22H!7=2RAM02-*-3"$F@(*2F@ZDC@`8R6$V(TYMSP]P/M%*4^-
M*5%#2AI4E33J@I8*`I*QJJ/;P'TY3Y>S[,R,1N93,B%B+D%N*@VH-M2NW'O\
M:`V'.XTU+;99EIH2II;3@0`I%.`'OT(S'6,UW<Q=3:GV56FT7*/,1I#*D6V?
M,B%*AW%NJ=?:NC:D\J(TJYG4D\`:N70J:G`%<JDTH33V^ZE/\_`4GY9/UKNU
M\/9_=_M/Z*_#@/_46OC4.O;\/4BI(/.H'+W$^[@"+Q2T]SM^`_*/Z_<*GEP#
M-?0[=(^+;B2;?+=<::R2T2+<BE%-B5W&78S@:64-J<06R!4T()!Y$D`_3TM8
MTFVW/)YZ'&BW=8)@N]I"D);GPI/=*.SV0$%+#*TA()5I3IY\RD"HR2S]RWS-
M"5*+;*WNXX5\TT!2-`+:R.7(`I/M)]P+HW99O+3DI-KE16]:7&C&E+F-AQT+
M:>*T)5<5J4VA":J*!4]*>*H`5)C]PN&V;S>4RF(-Q;N,B';TZUZI#U06E-LH
M0Z_(::=`4D!:P2GD037@`;WSM\&W6B5,>NS;;B>\=3K[FEW0CMN*2@/$M);U
M5H24*14!1Y<`E_=^^1E7-+[5YM[[+H<8<U36Q510XI(2'%$ME"FOW@H@"E:'
M@`7R60RIUW5W7669FIU#:-;B0EPO.*2A*DN*4VA!/A(44_*0JG`45NGGB)UL
MLK$!\.^29D6F8T25))6E:W6TT"4IC7$/&04U-%2"E/)(2`_/T'6YV+O3GL=2
M7&&G\#F*0TX2E<E4:^V%+*GFBA(=5%:4H(=%%Z%^*H(H#"LO@@HD)*?WZ\J4
M'3E[^O`#YY<?4*4%/DKS_>]_^O@/_]5?6,102TGX@]`>8I7]-.`+/!+5K#%4
M5K2O*A/+G7D:<`6N'6^?9[G;KE;D]N5%D,N,.)J"EP*%*44/F'+K0UX!NVQ/
MJZM[5T19K1!N%XRB9MW<IMFQI*X=F@W3,6W\EDRY\FXW-^*&[-C=@PZ:[*<:
M\Q**Y(8C1GGE!K@*/]4/KS]8NWF/K>M\?8W#GI3C\IYN]93%G7%R+*EM,LH@
M09XQ:=(=+E&6=$=Q1+@!:6X0.`6-M[^9CFNXU_BY5G]TQ'-L.MCZ$WJ\X'D2
MG'+$'I3,)R=)MLC%K39'+%:G5]RX.LW61(A1TJ>=94PAYUL.MZLO6%@&VV.O
MW>Q7_(<J3;)+\JSN+P/<NQXS/D7MEN)9(=OS&3AD?$)CDVYS-*RW.7V0A>D%
M:0D@C'<?>;=CU:9O<;%C^47RSVJQ0[@J?;X$1]G7;;?%7(G+3#MMOO.67D,P
M6''7Q$0IEIH%QY#;25+2`>VE6RUU7<(>*7_<JZ9!;;U=++<[A?ESY&*KO,=Q
MV%(;AS[;<&6)4.2_&<2V\PZXGMH+I4&4J6`Y<2XYQ:K@]8+7CD[(7&5^;N=U
MRBZ-V"):[=+<<@PNU*:B7JX7AU:X,H:?*1DH0VCQK*U%(#AN-B5VL-QFS6I9
ME"Y*;><:2RI,9QE+R&UQF(JG7DL-QG):"A2EEU96?$`A-`/_`/+_`,36XK.<
MAGQFDSU66W0HJRE]#Z(@E.!\N"0HE*WG&D"@Y!*`![>`+?-(!07*B@YUY?KH
M2.`'#R*OKW;H=.K7IY]*T]WS5Y>[@/_6`K$DU6T-1-2.@'PK3G4].`-/;B,'
M%1AXNB0!TYUH.E12O`'-B5H3*BAH()6M`2@@<TFH3J'(4I7@#I]/7I[VIV4W
MXM]PQZT6RV6W<=ZY09Z8IN#FK[Y3UC`5A*GW[;;&+E$.1PEK2W&;E2GX3)!>
M<80L":W2_+<])&06G</)=S[2]<IEY=N3D^Y7&6N0Q;K;/@KA>7M,>6S-;BKA
MM+!9D-I3)9J2TMH*4%`C.X_EV;8X]BF8[?;'QKSBD+*8TW:_:B?:K4J)<[EG
M>8R&[=&=M<6X-/O7.TV:W,/7&\3D`-0;/#ER@M"6''60_'\^:SV*V;56G;:&
MY,;MUMPJQ8Q&4^6G'Y(L<"#"@SWB6RVF4DU6HJ0=;R"0G22>`1W^7!,QK$MS
MURK^%O761B[EB,-5S[&1Q7&RGS%TLUQ48\R2P^VX4-R&TI2VV\M!`<[B4@;^
M[NT6Q=K2NU6>S8YA[$Z8Y<!"5<8;5UNTZ,%24R(=IM^B7=Y@>0%#L)=/@!":
M@4`!-[K18<=-^C1G53I,BSV2''N*(;EM2XU9A=Y#(<8E_P`]WES+[(U=\,N%
M"4:FT&HX!=LPVFX7=1NI4[#\FIMQJJ0IWN.*#320M"];JWEI2E((U5T^[@&D
M>C2QF3C>=W&9`3"GMP\1MQ:*$(6RA",B4I*T@>%UQ#;6KV$H'NKP$VSVWA'>
MJ@$I"R>7N(J:?KX`9/*C[PZJ?\*O3^TTZ:]*UX#_UP+Q%P=QGH"=!/0^[^O@
M#?VR6DKC5%2`E7/ETH:DT%>7QX!A>V*$NEBH'LZ_$@4I[`>G`-PV@L>+7_';
M'>[W#CW.>W$_#>ZV^?':FVJ?C*%S;M;O,PY&J-JCA3C>I05KIX0"DU"\\VQ/
M!8-N>??SS<O'K8F"VEQZ%D,6[1HT5I`85Y5[,[7DDMM)`%/MZ)('04/``5Z>
M=Y]JK_ZFLXPG;Q629RG%\$O;]^W'SN[?7+W:Y5RNMHMS-EL,1F.U9\:@3WI"
MENHBL1GYJF4)6M:6BA()]_.W@3;K]<D2WTI$00EKUNK0X5H2I+04VXMPJ<2V
M]U30$%(YD:B&>?8G=.R83GF/0LZL$.^8=+*T39#T5J0_;'B&8S,L!QB2TN.V
M7$J<2M)2$IU)H>1#0C'8VR9VUE73%;+B;#TZ"A]J1;;5"MDB:V6@\RN0B`TW
M$=\9-%'FGE[:4!$'J1O<&3>I<6/I0^XISO-:PE300XI2QXB=0!3SYCV5'``S
MAZX+>XMB5-CL2834Z<5MR15DJ9M%PEQW5A0TJ\K):;<3[`M(KP#PO3AB%YL&
MU5WR#)+:]:IF9Y`_=+9'E1U1I;N.Q(+$2V27X[J&Y#`F2O,NM)6E-6%H<3X7
M`2$`W$>;"I.FG[=/T4'/_+V<`*?F6_O#HK_PNE1_]GNI75IY\!__T%V8G.`+
M1!K4@<S4\@#TITX`S]MKOI5'YCD45YGH"/@:]!S^'`,5VOO:0N,01I4$TZ\J
MTI6OQX!G.S.6R6E1;<F4L6Z3*$A^WK4@LNS$Q7V([J=8^R>5W`FM0#[?>`KW
MUZ;CY/M[LQ<9S[TR&S<H\MN/H4XIQEMMMU8H4I(CK;2`>1^8=*T/`55^5]Z?
MV+#MMD^Y>7N/,Y!EYGS9S*I+L.5,>EJB3'BN2T]'DMILK+4=AH$$%TKU"AIP
M"HOS5/2IOWO?D>4R,.S^RHL-BEV^><?>7.B7UZVR'WV4?S,SN6UV1&2G427?
M&'*Z0H4((U3Z9,RV^?6G*)JGBJ.XZI3EQ1*4AIE79<JD++D9L+"E54A(*4GG
M0\`R[TW90_ENW$S$(#KS\W'T*MKL,N@KCI;:[[%%+0%J9=2`!0^$H_14%;^I
MJQ7>T9C=WI@4C4I?;0"`OFXE'V:6SK4*@$F@%!\*<!S?0]CD7*?5;MI&N4)B
MY6ZQ3,CR6X-R6VY##8M&(WVXVR1(8<2MM26+XF(E)(_B%-".A!X6Z>2MU?"%
M)H-6D5^!Y4KR'.OOX!?>X-[U!\Z^2M?MZ"@K\.`$_P"K_P#<'<U"FJG4?O4_
MKX#_T578G=T4:)<HJB:BHK[CU/LX`J<$R)+"VJNT'+V^T$<Z<NE>`.[;;-FV
MA'27B:`'D4FA'.I-?93@#KPW>BQ8=$;R+(LAL^/6JU*1,F7F_76%:+1#:CDN
M=V9<;A(CPXK:-%5*6M(`]O`%3ZF;]A>^VQV/95CEWL.<X1=\<BY5CN08_<8U
MYL^06>0&)+,NVS[8^]"GP94:0H=U"UH4$GQ<CP`^X7M9ZXLVP_`,DV0R7%\`
MP>T9;9G+SC4JQO7;-,PPBX7&$YD3./W*YO&RV&9,@(=;C.KBR&VWW$E9[=>`
MI;U-VN\MRK?9[U<O4EB.17^5=[3?GK]AVWEVMEOLUMM#$UERWW.WH;GW1B5<
M6>VEIJ&'$M^)00E/V@9P?4?MYOC>LOG6'#\CEP+2W)CLO7C(XEH?N*X7>GLW
M&>]:K9%CM1W%D,+92Y(4OFL+J=-08G^7-@6*[6*O4#(LA-^O62V2<AE%SC0X
M3DF>Q;I%Z=)6U]FE'E+7(6E`U*"DI]YH"N/6MD<.^;A9+=HZ6V[98TN6];S1
M!:EW&1+7([;0336(C31"BD$>RM.`5G)]2^YGIHRC%MP=M+E#M60W65=(LMFY
M6V+<[==\84(RKI:;C'D)+B(LQY44ZV%LR&RR%-N)/4&J;/>O/"O4?9C$FI:Q
M'<"+&0NZ8T]+2]!N!*#KFXW-<4E<V+454RX$OM5Z+2"O@/BSN_H6V\$.:BNM
M%`UH.9-"2172.`&#ZQ_W!36=.FG4UU=SK3K3X\!__]+.???4[B.!.*A0DRLJ
MO#:M)AVIQM$-IP:AHD71:7&5+0M-"EI#I2>1H>`A$OUP[S2V0WBUFQW%DDC1
M)=AR+S<6RDGJY/>1;"F@_:BGG[>`CCWK`]52G#*>W@R2W@E+;;=E@V:Q-))]
MB&;3:HB'"`.M.7.AK3@!IW-W4S'.+BFY9OF>49G>=!;$[)\BNE_E1T&A"&)%
MSE2U,-H4>2$:4I_9`X#3!_X^/KKON8&3^7GN0J;=+5(C9)E^P^0OK5*&/>58
MDW[.-O'^XHK%KE0&95WMR$_9MNHEM*!#S6@-P.,QCA^'62U05->4MM@M]J6N
MV'M,-JMT9F.7HP94GRA&CP*H".?.@)(+4]6.+7Z^*D2EWZ=<D!UU4(3E+DI$
MD52AIMXZEAQ:G]"ZJ!-05&H'`)5WBVVNZP^W;VF7I2'OY]R1I9<:0\Y0J4ZI
M0*T+T`43^R@DD`4``%GF]+.S>7XB[:[JZ;M9'[A<K@EMP-L+3+M4W'D><0**
MT*C7E]20H`T'+F>`6EO)GJ]Q<D\NAPMVYV7(N<MI!*6VH[B]3E4J6:./E*6T
M^T#4JG,\`LOU3+ND+=>X8M<FO**Q6V6:(FWBJ?)/7:TP;_(9>:K1J:P+FAA]
M-`4+8TD53P%%6B^W6QSHESM$V3`N,%Q#D>3&><:=3H*5`!2"E5`I%:5X!@VU
M7JW7<K:U9L^?6);00TB]EMYY+@)T@3TMAQ>KG_%`Y@>/G59"X/O3;?,?6OJ,
M'Z7V_-_4/-,^2\O7N=WS/<[&CXUIP'__T\>XQ^.U*==:04I2E"4445*2=2*`
M+J5I*3UH1_4>`ZJF&6JJ4U16D(4-*:&B`HDT&@BO,GK7KP'*MTCZK<O)1:EE
MI(4Z`D!`;&D!M2"FG.H%4D$CVG@*BOUE?ONX#EFM#2RE#FMY8*EMQFT)"I#C
ME!0);I3]83U/,&(^BY[+]K_4EZ?[WMC(^CYC$WBV^BV"5H+HFR;I?X=FDP;@
M&%I5-M-X@3WH<V-J0)$9Y;50%$\!Z=&:Q\E]/=[GV?*6UWC"I+;CT"\:$BD$
M.,J3(6"7"VII;80X:E394-2M/B(*Z]4_K-P.%$NMAA,%Y;45U<B3)6AE$58U
M+:;BBCI*(Z!4*2>10%5J#P&?#U`>MW&84&_+L$K7=IR5!R6HH0AIR0I*G$1R
MVT/M]*M*6VT$FNKEP"/LUR_*L_R.=>I2IS@DNJTN/T2Z^%.)5WEE`2E`)H`D
M"@'*M>`8?Z9?2HO!L1N7J8W\9=L.)8I!EY/CN-WB,Y&FWR5:H;EU&3WV-(`?
MC8WCT2.Y*8C*2ER:Z@+6!'3VY`9K=TL[N.Z&Y&<[B792E7#-,IO>1OA9!+0N
MD]^4S'Y<M,5A:6T_!(X"!@T-1P$HQH)5+(55)*=0*3\W-/(U*@>9]U>7`65Y
M%KL:>^]Y;7YKRU7.UWM&CO=G5I[NGEKI\OPY<!__U,C3ZP9"U((2`%#6GY5E
MS2"H:J\Z+Y>SW\!`<QOGDXYB,K4'9(%"%DZ$)J/D(_:(IRZ`4X"9X'9UP,9>
MO"TE4N3W>RWI&MVM0@%6H*!*EBE0:UY>_@.WB6*L6(/RBTE^ZW-_N39A%:.*
M<468C:BLJ[*%<M*J:B:\R>0&7Z3V(C?JV])*@MM"I?JJ].5M;:THU+:E[RX9
M&G/=LHY-)84455RHH#VG@/3=_,<]:_IA]*.VC\+>SZEEV;9%9+O/P3:K#8,>
M[9SDJX;>BK34J9;K=:[//GAJ(I<R2PF4XOM,I==&E(9FK[L%Z)_S$\HM5QV,
M]1EJP-63>01.VO\`IN4,;B(N%UD-QH5@?Q:!F$4-3C<GA"0&H2XSLA02VZ]J
M"@$(S?\`\<O>6Y7WRFW-LF0<:CR&HB<@S9$&')D%!*G)T/'G)\M]*4&A2MQM
ML&M-0X`HMI/R&<2].T0;B[E7*#DF065"K@N[792)Z;<^RD+2[#9>(M\%QI2?
MLUI;4^BM.[3EP&>C\\_U26/%-NXNPV`S]4W<"=(ASG6W1W6,,LS["KO)H@U:
M%[FH8A-ZA1V,9('RG@,GO`?4S&<=2@I2HZWD-#ER)4E9`!]YTG@)Y9[=Y9.I
M21KII4>FDDI-/EJ#1(Y5Y\!*.\K3IH.FON>S32O33[O9[_Z.`__5R)N*!152
M$U2GQ`)H%<JFI2!UZ\ZBI]G`4SE"''KFE1!)UM()24A*E:4\E<J:UJ4>=>9X
M`HL,8%PQN,OL]IIN,E*5,T.IY(*B[VSVTDI2K3SJ`2:<P3P$K5%C18ZG72X2
M"6V%,(#3RWUK3I24+(4=9-3X@E(%0.O`2#:',)6(>HCTRY,DK=D6/U%;(9`A
M'>44TL6Y.-W5+:G%J`""893JH>2B2>`U=_F8VK.L]M.;;^Y8N1,"?5'EV!L3
M[DR[<G[<G((6=.8S9[(U*7IC6FR0]NTQ3I<:+$,%2%MK.L!E2R+=G='\=]M3
MLVO(H>];668_+P?(W+A;%7?$\\Q:[,W6SWFV1)MCG&`RW.A-373I4PTION=E
M/EFG$AZG7HM];C'J:]*FUV].7-VG&,TN6-+M>Z=HB(=B6>T;EXF\]8,]CV5N
M;)DR$V)R_P!N=DP0MUUQ$&2P%K*PH\`N?\QOUFP7-M<HLMJOC=ML26'YEYFL
MK4E?T>VH<G3Y*U`$LQD18RE*-/E%>G/@/+L]8^\UP]0V]V4;CNM.Q+1(D*M>
M,0'"IPV[&K>M2+1'<(40'Y#2U27Z>$R'UD<CP`P1+6I_4JO(`:04U*JTZ`?#
MVTX"4IMB8[,%0&D*N,5*N9->X'FTU"A1(U.@<!-78:(K26RE(<<((25$E*2I
M0!)22$FJ>7]/3@/U^FJ[?S?L:JU-=/\`MT[GS^VO`?_6R%NU[?MI0_Q-'7O*
MIHISK_\`&M:\!561Z?-+IY;5J/R=[N_,NOS_`&?7K\*TX`H-NM7W2M&K77L2
M=/;[7R^9'R]KP4]VOQ4_5P':NNOO1/XW\(TT=GRW_--:]%?^JI2M?VZ:.>K@
M.CM=Y;_$CZ9/-_2/*_CGM=YO[P?5ONQV?OYCW=^\WT3^^?INBO>\E_,:-7;\
M>G@-SGYPO:__`#BW)T_0*_XSI^O[I><\U3\/]W-/<[WAKVZ:.WS_`(FKQUX#
M'K^59]+_`,>.[_FOP3\Y^#>\_P!._%_[X_?3SWT->O\`!3Z/_<?XT?3._P"8
M^J?W?]W/K>C^\/*<!NDVY\I_A7V+\E]S>S]V,N[OX2_6ON]WOO%:]7WR^O\`
M\]][>YJ\_P!G[#S7R^#1P"H_S$.U_A`]7/8\M]0_!C(^U]+\Y^(G8[\3S_W>
M^H?]K_2_(]WZWW?YG[O>?\G_`#G8X#S]KC7[?^#72C_F=-*T737^S3]'*E:\
M!R;#3E3M4[J_FU?N(_AU\5/=_P"JG`2F=3L,?PZ_4;735KK7S[/3V5IUKRI\
M>`[LROU0:J_.*>9I75X::.USUU^6OAIUY<!./#]._P"DKY7^U\IJU?\`LU:O
']W7\.`__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>56
<FILENAME>g655868hand1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868hand1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0LX4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!K````!@``````````````:@```%`````%`&@`80!N
M`&0`,0````$``````````````````````````0``````````````4````&H`
M````````````````````````````````````````````.$))3001```````!
M`0`X0DE-!!0```````0````".$))300,``````B=`````0```%````!J````
M\```8V````B!`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`YIK916L3L8C-8DI@UA5^KHF>\!QK],'C?H?\WZ2U.@](8YOVV\P&:L:=
M%:ZCGU%^P'3CF!]R2GFLS`R<02\!W]4K-/4*6N(L:YD<F)'_`$5M9KG%KG52
M?Y)[_P#?5S65C6VV&VMQ8[Q_\DDIT*[:;Q-3P_Q@IG,7/V#)QK?6:/3L;^<S
MZ)^+5NXN77D45/<0VRP:LF#(^E`*2F#@@6-A7+&*O8W1)3__T,:MBO8.*+KA
MO(;6SW/)\/W?[2KUM718V!MP*JA]*]S38>_NT:/[+4E.C@M#<4L>UFWZ33J&
MF=6NAON65GLQ"\M;6TN[PTA=:W`I,L+1L;P.R#D=.I:V6,`"2GCK,%QI#FC:
MT_FGE9>1A;03$CNNQS,<"L$C4]EA9U0`,<0DIY/(JET$?$*#L89-.NEE/T7#
MP[*YELBP]D''<690GZ#V[7_#][^RDICAY1L)QKOYU@T<?S@$2QL+/<33U>L=
MG.V_?[5J7-24_P#_T:E5<PNNQ&^I1C.9^:&DQXM7-45R%M],S!C,+7_FR:YX
MGP24]8YFFGR6=F76-$<@>'^]#R^O64UE^/C&Y@`+'N(:'`@%K]?=[FKGG?6Q
M^1:6VUMK#3^D]-P=`[S[DE.C:XVT%P!!:Z-5C9[2T$]D7J?6,?&J#Q<Q[200
MUC@3[HV^V?-<KG=7S<WU+&6>EC5_3>`3M`_Z7_124OF&2Z>052:\-<XGN"(0
MGV.<W=7>;^-2(_Z*#>;+:Y8TLC\XQJ/Y(_\`)I*:[WFS-H>=?TC9^((707-Y
M6#@5F[,K8\:;P3]ZZ2]J2G__TBXK5I,P*LFMSGZ&L>UVNFX;/S3^_L6=B'A;
M_3-GJ-:\2Q_M</$%)3>_9/3L^BI]X.UK=NR8`<!MAX_>8N=R?JUT^C(N=@U.
M:;)V]BZPC;4QF_V_^BEUGZN:@ZQ@+@-7<'_.:L6KJ>.[K+:<2L-:P.-UI)<>
M#[0YY]J2G!^O&.*.F8^'N)-5;&%_=SF@?I#_`%G>Y8?03AMHOIR0-MP`>'F)
M`_-]WT^%N?7NRD\O$Z0N;Z/U#T,D-=#ZG0)\"DIOWXN(WWT@-#6^T-!+8[-W
M?06'G.:'0W01$?!=7U:]AQP1Q&NBY#*>'N)'BDI/TFL.RJX&FX$N\P)6QDLY
M0.AXMSF5Y3AMJ8T[2?SB99HK.61)24__TUB6<+;Q+1HN*;U[I]!]UNX_R07?
MD]J/_P`\\.ELU5V6N\-&C[Y/_4I*?0[I?@/>PZAL`?!9'0#BX+;<K->VM]CO
MI/,`3.W4K(^J_P!=F]4RK.FY5;*'/&[&,D[B/IUN)_/V^YBZ;"Z/@W4O=F5-
MNWD@!VL`>"2GG_K)A](S;'VW6#?H6D.[^&TKE+_L&*8KL$]M1RO0.L-=6^*[
M;M@)):\[AJ(_.W;ER&1@TMR/6<W=83(+M3^*2FT*'Y721>[0$0N4R`&N/QT7
M47]1`Z?;BSM<TB/F-5R>9:T;[/S*QIYE)3UF#D4GI>.*7M>&UM#BT@PZ/>W3
M\[<J>39,KB\'J&3A6>I2Z)^DWLX?REOT]5JS&2/:_NTI*?_4\^VM`4+M*R\)
M.<7O#&_-%MIWEM?YK=7)*1X0LKMKR&DM?6X/K(Y#FG<UW^<O<NF9_P!JP<;(
ML8:FY53;63VW"8_SEXPU@VP-`!^"]JZ79T^KZF=,MSK&TU##I(>[Q-;7;6M'
MN>[^0Q)32ZM;C-8=SQN\)Y7(]3ZACTL<='/[>2T\WI=G5B+NDYC+,>T3N<X`
MB?S=L;]_\E8]OU(ZW;=M;6ZQL_SA!#3_`"NVY)3S5N79:]Q_>*;K&*<'I3?6
M&V_*<`UAY:P>\N=_+<X,7;XWU/KZ17]JS8=8W5N[@'^2U>?_`%JZC]NZJ\-,
MUT36WS(/O/\`WU)3CJ=3G->"TP?)0"FQO=)3_]7SK'_GM=5?V:JC3_/M^/97
MS]$_!)2.QT,='`X7>7G)S?JQAEVM.%AX@:.PEM=;G?UW.L7`V_S3EZ=_ZP;_
M`*/]!Q/H\_X))3P5'4L[&ZQCV]/_`*978'#B#L.]WJ-;_@W-;^D7MF/UG'R>
MGTYO\V+JVOV'D$C5G]EWM7C/U1_Y5S?YK^BG^=^G]*K^9_X7][_@?57I63_,
M4_1_F*_YOZ''YJ2GGOK]]82W&<6'4RRH#]X_G_V&KR<M.[7DKN_\87\Q@_UK
M?H_1_,^G_P`(N&=R$E*;6B-;[`?).WA(?0:DI__9`#A"24T$(0``````50``
M``$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&
M```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#
M`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!J`%`#`1$``A$!
M`Q$!_]T`!``*_\0`A````@,``@,`````````````"`D&!PH""P$$!0$!````
M`````````````````!```00!`P,"`@<#"`<)`````@$#!`4&$1('`"$3,0A!
M(E%A,C,4-@DC-!5Q@4)B-68W.)'!4F,D5!:A\7+"4V2D.0H1`0``````````
M``````````#_V@`,`P$``A$#$0`_`$CP*TW=-=VOP1>Z=O3_`+.@F]?3JFU$
M1>_JNJ_66OPT54Z"6PZ5TU;;!MQPC(0`!$B,B(D$1$$13,B)-$1$U7H"UQ;V
M4\]WL2+.EX>>(Q)H*Y'7+9+=)8.-(`FCQ4SZI:,`J+\OF::4E%41%TZ"L^7>
M!>1N'HAS+F%76P-_,H4]@#ZN@B%O6*X>UJ88HVJJC!.]N_0`Z][@<.K9DF%D
MM3DE`,4MDBP<@,V%7'7OJ$B562I:QR#30A($4=%UTTZ"?X_E&&9Y%.5B61U5
M\VT#1OC7S&G9$87V_(Q^+B:C*BJXV6X4<`==/3H/6M*@A0B35?71=51?1?1/
M5>@KNRB*NYLM=4^):KKHJZ=ET^GZ/CT%39!"-IPM$T';_17377XZ>FB=!__0
M49456[;H*JJ:?#35>R?3T%C5U,2[54.R)JNH^FG_`']`X7V&>T:GLX*<\Y_+
M!B!1*<G':J2DN-'1]G0V);K\.7"L'["0\&QD6"%&%^UY#/8`7U[B>>L3EVS5
M/&E23C-NN0C::M5K8C!B1,A'6"W&\;I1A56E=>_;GJJ?.JZ*"F>9;*P>@W,[
M%4E2&S<D[ZB='9)J>9"XI`Q*B:5:/-$2M)NB1B0A3;IH*("1^3^-<FRG(Y66
M8Y;W&.6BNF\+S2>9EYTVG''8]FR[O;FLHXOS^53,BU52,D\O0!=D,/DOB[+`
MS*JC.XCD]<:DY<XLPZ&.70[U)5GTW[2/%;GM"BO-(CD1WU44].@;%Q=RUCW(
M^#81;VMA34N5Y35;Y.-N2PB2CMH1'$M&ZZ#-<"8]'64T1-HGD5&U3YBT4E#[
MF05&S>HAIZKVT333=Z_'3MVZ"GK^`KD<]NJF._XJG=$+3T]?]70?_]%:E#5*
M6U5'[2(B(B>B>OU+JO0%1P;Q;%S;+(C=S-@U.,4:-7&23[!HWHRPXY*X%8,8
M%!93UD31`C>]O5L3+>&W<@:!^$84>NXMGTEQ58F[6B;-Y22&"M85%8,VC#LZ
MMLG:^J)BWFV"1)BNJTVHQ!?^3PDVC8,@O[GFIXEDW4V#687CDBQ"1)_%'!QZ
M97J9.$)Z&DN4VYY']-4+RJ7?=W74>@H6^X3LI.'1K"O@O5M?,!TFZN=(=67&
M%PA,5%7G93RMJ3B>(E,U5%3MIZ`"G(?#05\:1+6"W)8:%5>%KQ`+Z!N(I#K>
MK9"XRV'[7Y5,CT551=5Z!;^>XN$BQ;CR(\=0`W$F,`*_.1N$*(?VQ57%U[?*
M*'W3X:A&++C>+R;AA@ZVL')>.C92GLXX.)(;JP$7*]9(Q"_&[VE9\7D;5IUM
M&D5HM^\'PEW#_*4K(I,CC',B,LPH8+A0[23(9==R*NA;&U>=,4$)5DTR8F3H
MII);U=V@NY.@E^0P/"3H*.B%KZ(GJNNJ]U5>@__2!ZCK5$$5!77X+IIW[=M/
MH[=`YOCG@=:S@K`,3A@VW9\G7^,6&8R'&S2P\F52(\"GA12\1M?AJNL55%LQ
M7QON.N:_/IT#Y8'!&'2#D5$FMBECU8VR$=A088BOR&(\2.).--LL*XC338LH
M@EM1MK;M1"(N@K3/_;WAM1!>=I,<J&(HB0D33(%(-Y([2H3+BB*`ZVZSH*+]
MKT147H`-YAX_CP<=B/O1S;D24=:%A6@;;*.3;9*ZTZ#NNH$[I\R;DTU14[J@
M*JYPQB-#CSSCM)XDBL/[!W*B$ZIZB:HXJIYG&U1$T4=W94]=02WRM3_@[^4:
M-JP@HV[XVMY,FI@"F32EM55=\VFOHJZ]M>W05I@-@]4<H,D^CAX]?4,B@R9G
M:I,MP)$EK\':*I"2F=++5N5L+;O:;<155-44!9GRGL)]VN%L$L=(]CE"T@.(
MILM`-J_.HI;`HT;;8H#DK=MU(#\B&OVNP'IF-?HA.(BZCKKI_.OIHJ]_KZ#_
MTQZQB@\R,KXT5-R:]ET]4[KIHNB)]'0:+N)H'_5&$\,V5.T"G70<8EOML(BM
MC*H28<<;(6E`]P&SKJ*"BBFTDT)>@<E-I0%EQ60;;!5,V-JDJNDJD;?9"45%
M2<4E7XJO\_0!MS%EU[5M/17&7YL9CSEXX\9I"8,&7A!QS=8>1QM3-=5VBJJO
MRZ%IJ`$Y):/YA@LJ<U"DQWJN[DQ7@D(+;J*I-`;4<316P)QI$31'-HI]'KT"
MTN>H$NI9D/&T+S)J8:%K_1=51:,B>0/&@CK\H)KWT55UZ!*'+\I7Y=F3[7CD
M,24!"+716"<350UTVF1#ZZZZ_'X=`,L.ZCUDZ\E2GF"214SX[4=Y45''BC^=
MH$4A<V&(";XFH*A>(FE^\[`#EW=.Y#S7Q?=/*CZ!G^).20<`B3\5#NH##LCR
M'JXVLEEILU<521M\5W`8DJ]`X?,JU$%\5#1%0E5%^GYD[=U7T3_1T'__U/E8
M)C_G:#Y%51$5[I]&GQU77U^CH&>^V;F.-QA33X-\XPT5/'E6V*_Q$5.(5LA0
MX;<*5HK;8PGSFZ.$9"+;2*I$@]N@8QRS[[\@PFBF7'''"UMGN.PZFNEX]D=S
M>T.)UN30+&'`L*F_!)TYVXK:^SJ90.1PEPV9J"XBFPBHK?0)PL_U8+;D7*94
M#,,*H<4C4EBCF7-X3E%)D\BEKV=9-C,L#DW4*7,@P(:D\Z$:&;X-?.K.@JHA
M&?<W[P>/N+<5BW$/DO"\BKW["':PJ3%<KQ^;=OO9*U7M4[$JI&S6?^/;FV""
MC?A\D<62(T^7:@(.YP]V_,W/!YCDM1FS>"<0X>PXYD60Q*2VMW,<A1'#!V:Z
M$=Q;.4RA.HKGBABVT2IY7.Z$0!I:Y%:6E:5IC/+5KR8VZU#<=F6=+,KCDQG4
M$`/^%/0TEH,IXT1'_*IQR/4FR0A10K+/'<@RO'RE4M/;T#D%[S,V<YN$+US#
M%6S;DTU<S+DS"9?4$)I+!N$Z.J(3.I$"!77`^.2,WYBPJCMX2'#:S.EE376G
M%;`6(UG')Y8SI,_B]TC44V@X!(2[M!T1$!U>=5A-^95#NB$.JZ=D^;U[:>JZ
M]!__U9YQ9!$Q:5>ZKMU14U3OI_J^OH#8H^!,8Y0QZ^L+G_@)N+5CKM5:%)N8
M\6"630I6,C*F,TMA!>EPJ_(YU7,>:<1]EYJ*K1M.":H@-5+VF^W?W%8-@M[G
M\":M/48_)H',7&WD0HM1>U<)JD;KK^O8E&R5KCL-@(KL5X#1%0@<$VS42!+W
M)'Z:_`/'_('(UA[?<$O:=_)SLDJ_+%8A6&4<EV-&_3X'C.,ADPR*B<T]8_AV
MF!*(-'!AM;I&V*P2=`./ZX?'\7`/;7Q!P>%K+FS\,XSXVQ2=DCR-?Q+(,EQJ
MGJ0=RZQ5EI&DL;BZ8?G/*2-JZZX1(*"NY05M[$9/$=;@_*N%<J,5CE9R)75M
M;?UV4WL6D29#A'!D)53)5JD:+D584^N;D>5$%MQUH.S1CM0+3SGBSBJN)VWP
MNOK:Z'6T)I2LTL&;<8VY#U-8%:Y<L^#'M@S-BF@OG(!H=X@XJ@!`JKFV97QY
MJ1ZUIV'&;K0BHR!(1-E%;*,FU011%=J(J+W[Z+T$F]J.-P[7E+"PC5RG$=O8
M$N9:DV!%(NZ2#*L7&V3$!5&V8S#0.:IX]R;4[IV!C_)54+9R1VIHJG\/_%VT
MU1=$+M\.@__6LKB9X2&*@JGJ*KZ*J(FB:KW^"IT#<?;252>0U59=QVYU!D8+
M17L!TVFV9D&:K;@,F;RBTBC/CL&"DJ:&"=TZ!CY)Q[*QIF?DE!6RK5B.TY*L
MDDR:BR<C1XBL(J6E0<&QD-Q8(=D5Q0;041-/3H%CXG[F<`MO>93X1P[AD&EK
ML<ILCL^2,XM+"RR&SD16J2W&'1P;K(+&9+J6;"?'1389)LG!:7RJK8DB`I[]
M=C(\.DDZLG)JUU]3@MP&FWB57"UD$@@JMH9^%G7YE+3[6FB:(@)&]GGN`7CS
MD2)!M?PUYA=V[#JBEQY"?BJ2>])U_$LR&#-2C$8AY`[B@FI;==>@;A[K<ZJ9
M/'S$N$(*TW"5R1_PC#;KZ^-5-T#8%1<T4B7<J:EW3LO09P^3K9BWFR)#.BDY
M)/:VFW<#:$X*]OC\H*NOQZ!C_L=XLRZRJL+Y8M("T^$4%#>,4TB2V#9Y/<2F
M[''W?P#&]'2A0&7WB=EJ.PGP%H%-4>5H+RY4EM>62B;?Z7KIV1=W?3LJ]N@_
M_]?QQ-D@`<;5WL6U%3543LJ=]5_DZ!H'$F5,`,<3>$AU%%%>^X51.^U=>R:]
M^@/W+TD7_!&0WU1-UG0\8?AU\(1)5%V*U(91=05730U;^'HG9%UTZ!=WL(D\
M8\`PLZY>YQR3'L6NLLR!YIFWRBQB5<6L<GNV#-8['G6+T<2=6`R`MBA;D.0Z
M*#O5=P!?^H_P[[2.=,BR#*\SS*K;N6E@657.CY@Z#*3&Y#AOP4H9TL*YTW(3
MS9`33>W1KR(J+JB@@7.UX'XFE$UC65UYOBY&_`@[8U9._BR5'=64;DJ"H3GR
MB.JDJ*B]M51`9W&P>[Y;]IM?GD\8T:/)K?P;FU]DFUDBP*&&Y-$07D-#057Y
M55471$U4,_F>M,U\Z2K3FYO\4K4==X[A-MXQ=)2VI\OC`O1%7O\`R=`^CA'D
M'#I?MAX@B89D5'?0JG`<?K[A_'[&'/8K\I&L8DY143%A..)%M:Z[E/-R67$!
MX'-=XHJ]`-O)61^4I:J2^AKW+3:FJZ]_3143H/_0676^^[@+!'FVY^?MV3S:
M;T;QVJN,@;5!)41`G5T%ZKU51T1%?3OT%J+^LSP[A%:#V+89R+FEJTV9A&?9
MI\7KA4!38C]C*LK&8VA*J)^SAN:?'1>W0'S^EW^M=7^[/D[-/:]RMB>)\76&
M2U(WG"+S-]-L4RN[J=3R3"K.QG,1V';ZPIF0F5XMLL-.!#E-JA.DTA`\;ACV
M@<(9KBF53>:,'I.05R.UMX<!B^BMS!HZR$^T]#:K_,T0U\U]5+]HQIJ*IW]5
MZ`>O=_73L=MA:QSD#E\J.%:7TYZCRVSC9#$_$6]:]7GI,MXMLY:Q8B;$89D.
MOLQD%M8XM**$(9TN0^#<-J>0&\RLJL[3)I4]94.;</2K2QC&ZS%C&;3ED4GP
MNNL08X:,[!``!$1!`4Z"U<V]Q,:+[?L]XI%^/26-+/I7H2`VRQ^RM*M]N<_&
M;;5H'78\:/$^8QUWKJO;NH9Z.7,F@-_]3Y$VJI0XE!D-01<<05F3FF#&(VJD
MGWTM]1U155=SR)IW7H`,X/\`<'R-P1D9Y#A-U(BC*<#^.U#CA.5610MQ$[$M
M(1J3$@D12\3NU'F27<V8KWZ!NF&^ZO%N;*A78CR55V+*.6%-*=!'6ET3RE'7
MM^(C@2Z*J:*.J:IHJ*H?_]''NM=#AMJ9@WH*$IIJ6Y135/M>1#1---=-=>@B
MN8"4;'G[>,YX@-Y&MI+JA`HD*$T2"J(WJG;NFB>O0>SPHSD6/Y1B7)=5/DTU
MYB5_5Y;BDZ*1M2XE]C4]BWJ+9D@43`85E#;<$D_I!]2]!VKGMJYY#E?@SA'D
MK)L;EX74<U<78?R+C;4P0)N$F4TP3EKVY@D`R@C6C[K($JHKH@*[!+Y!"C/=
MAE?&U;4OC8Y+!=LA#>$9J=&=.9&8=V?.U'(=K3JBB#K\Q)W75?E0,Z?N:]P&
M`8;46\PSK+&YUE!7M,O1T>@L*T]HCLE#(HS`(FG9=FI?*J]DZ!`.3\KY%F-W
M=30>>-;F6^\;AJ2-FV:@@.F`?*,=EIM-$5$1$1->@X^\+C&5P#[5*(<WA.5W
M)/..15<>MQNP1&K;',"I70RJQM;>$ZV+T#(+RXKJW<R7[6+$>1MS8;CK0@FO
MH)%C4^=7VL>173'X,@#$@=C/NQG0,>XFV\T0F!BJ:HJ*BIT'_]+&C9V#MU=Q
M*&"FY''VVG]@KJ3F]!+3UW(()VV_S=!/\EP\KERGQPR)JIKE;E69,[E5_P`>
MHM1F205-#=5%U7T%-5U].@M&%4Q6X`M1FVXT:/'(?"(@VVW!88[D(:;6D1H$
M!%':BJB(GIT'9\^V*\X"Q#]&KV*YA[@<QQOCW$HOLO\`;Q,C9#<ON-NG=7'"
MV.V:U5+60&WKK);:Q-7#;K:]B1-DFWJTT1CT"%^9?;#D?O$=KLU]GGN-PC+N
M,\UK(TL+F\RBGA6E?'F->5BLFTLJOBY)%R*(PYX7X,N,E@P^"@ZT+J:=`M_*
M?T1?>OF.7C6U6%Y%EU44DT#+[6#:UF*S2;>(';2,DN)7O6K;;BD@&VFQ/151
M-$Z`T..OT?:/V9T8<L<Y-5UMEM5X)=9_&&XCE?3VK'CD17:6J:4V!LFI38DR
M^X3[K)(A-JVNO09`?U3_`'%CS_[J,I8JI"/XGQB[-P>F-LB)J79Q)SIY+8)J
M9@J_Q(4A`0?(;$%LD]5506Z`*:Z(BKHBJNGT(FOT+T$GHZTU-N0:$B(NX?@J
M[DTUT54[:*G\O0?_T\9&!IX\R:-UGS&XX0`"EM(G'-=B@?=555]%+^?H"S6I
M`7A)5%2<%'"0AU'<@$I.-N`HH&J!HFJ"B(NGU]!&,CGA#J;0HQ.%%C1WC9WJ
MB&^HMN=QV$"DVAH6A;NZJI:*O0:R\[D<B\Y_IE^VR79NOR,$]MWLM]CD2H@N
M-NR(%*_;8-QYA=];Q(D8@*5D-G9YHPKFXM[D:.TT6H`B*&>K`_<CS?QA[P^'
M\J]N+3@\Z8MG]3?P/,5?'J)<G#K2/D=[&RZEI66Y5EB5]653CUN"/?M&//L)
M$VGT':)<?^\C`^3O;[Q[SL0M8Q!Y!X_QS,@QNTDLO6E-.NZMF5.QI]T$$9DR
MEM2>@N.M@C;KL<R'Y=.@R1_KY_J$2:GC6R=IK!P)L]B7A^!Q(#OC;B9/:QYQ
M/Y`^Z+9@Z[CE4VY);1442>%L%T0]>@Z]23#?.8[YE+S//&X6Y-%53<+<9*O8
MM5755^GH)#642HIJO?5LMI(I)N0A^'P5$1>@EM7#$*>+*--?+#8V:KJIJK:*
M>FBHHBB)WT]%3Z>@_]3&AA?YXJ?N_P!\']W^[^\+[S^O_M_5T!82?W*9][^Y
MG]W]O[I/N_\`S_U=>@K?*_RS=_?^J?8_>OMM_=_5]/U:]!NG+_Z',A_*_P#D
M7]B/Y>_?O3BW_P"9_M_[[Q=!EQ_2/_S5^YC_``J_RFW_`/B=^??S=Q+_`(9_
MW_\`^=_NY_%.@V\\D_D?C+\L?X'\:_X?_DG^Q)G]F?[_`/\`6_K:]!D0_P#T
M)?DGVJ_<_P!M\P?EW^PON<(_,W]Z_P#EO_:>3H,KDW]YK_L?;;]?M^@>OU=!
E,X7W;7W7W8>OVO3X?7]/U=!SC_V/1_9_=@]?W?[T_3^KT'__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>57
<FILENAME>g655868harding.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868harding.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0T44&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````>P```&P````'`&@`80!R
M`&0`:0!N`&<````!``````````````````````````$``````````````&P`
M``![`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````*=@````$```!B````
M<````2@``(&````*6@`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.6:U$:U,T(S&I*6:Q3#%-K"41_I5U%SMQ=$@`0`#INW)*10`!WG
MP\N4UDLD;9<T!UH@^P'Z.^/SW3[:T3"#G,R+O\("P5/`_LM@?OHU]S&L&'3V
M;JTG3>>7;`/Z^RZ^S_BDE(/1M!]["T?NQ+_\UJD</(V[MD^,3HB`;;6UUM^@
M[V5->&:Q+G;RYFQUG[[4]-S:+GQ6[:X"==U9;])WT&[7?UJ[-Z2FFZOR07-A
M7<IN)[;*WO98_@$[JG?YY]6M_P#6<@%LM!B)U24U'M5=X5VQL*M:$E-:$E*/
MRI)*?__0YVMJ.QJA6U6&-24DIJ]1[6#\X@:^:UK>FFRKUM@(&C1J-(XX_._<
M;_UVQ5^ET[K7.,>QA()XD^V5L>G47;[+G,=$5-<9,#\][3[*O["2GGX&/2_V
M?0)<`.^G;<L0]1R77-8P;66.EXV@@O/TWNW?SGM^BN[;TAF3)L`/[L=Y[RLI
M_P!4<IMXLK8'-:00)';NDIYS$S<9@#L@1MY8#+I'`8ZS_"?G;DK>M-8UPQ_9
MNT?`(+1_(:7,8]W]>E6.J?5O*P<@MNJ=9CWOWL<P$D$_2"(_ZI95S3:V"P@&
M7:$R$E.:,EF4'O:9@2[>2Z9_-L>[<URET^VXN=C7`@`;ZC$`C\YJA=T[*Z8]
MS*W$2T[@>""/<"CT9%I9CBX[FO?M:=/;IM[?Z1)22QNBJ6C1:%K85.UL%)33
M_O24X_*DDI__T<6IJMUL0*@K]#/%)38P[?1,QH[1%IMJ&2(?NML.DDP(^D59
M'0SDXIVV.JO;[JWC5H(_?;^Y^:LSHN,^SJMC,D;K,8GOI,[4E/5UD!VG!:$7
M?[1!^:%4`XF-8X1=D#R/AJDI&7N/#M.X5>T^T@]]91WB'Z=U6S'-;4[6`1S\
M4E/)?60M&YXU.HT^"Y_IUK,BEN*Z0\6C;','W[F_U7+9Z\UQ9N+AM;+0)UU[
MK"^K`%G60TMF&/+?(Q]+_OJ2G>N9J51O;W6K>R"5GWMY24T8_*DI1^5))3__
MTLND:K3QFRLVCD+5Q>R2G?IR+:L5GV9WIVWO95ZA$D;_`.M_*54].&%UN][8
MV7UM<T=]TD/WC^LW<K/3G4EAIO:',=IM/!_U^D@YKPS,I9O-AJK%;G.,NC<2
MW?\`RMJ2F>4R_<X5--CB/YO1H_MV%<_E4]2&8X65W8U<;FW59#R':PUC*PW\
M]O[RZMNH!U.W1!<03[@(')24U.GLN;0XVVN?N9-8<9Y[N_E+D_MG6.MV9-;;
M'U_8GO9755`)##MAL_X7\Y=H^QC22R(@\<+@>DO]#K694_VV/>YP^9T*2FEG
M5/KQV>M5LR+0?I/<YP=^Z]KR4_U-87=:M`_,Q[)_SJFK:^L%>/Z3+>+`9C@<
M0Y5OJ+B[[.H]0(T]M+'>;CZM@_S/224ZN57RLK(:MO+'*R,F-4E.?'_5)*>G
M_2224__3R:7+5Q'B0L6EZO4Y`8))`:W5Q/`"2GH6Y%=.-9;8X5L8TDO<8`/#
M/^FJ[ZMES;7N<ZW(A][G&9>T>GI_8#5AU9EG6.K8&&99@')KW,/Y\'=ON'_G
MNM=+FT.K#@-7XSG2!W$^^/\`H/24W:[M#)AK1))XA`J>[)=Z]D-Q]?18?I/G
M_#$?FL_T:'46EGNUJL9!\$]F-E"OU&7#U(^B\>R/W?;MV?UDE([\FO&:?6J)
M#I:WTA/SVE<#D9)R.NNS:F&FIKRUNX07-&GN"[+)?FU/#[::WO:T[8<0`3Y>
MY<=FFV[J`I>UM+0[<\LDDC_R.Y)3;Z\;;SBXU/N.78*6QXNA=;3T_!Z1B_8,
M$$4,<YVYQE[W'Z5ECE@8./3?]8\:JDEV-T:KUK7]C<[VT-_SO?\`U*UM9>1S
MJDIIYE@U6/DOY5O)MDE9>19RDI%N_*D@>K^5))3_`/_4Y@9+:_%Q'8?Q476V
MWD%YA@X:-!/_`'Y0:PM(@0.=>Z*PP="!XI*;&%DC$R\;+:"\XMS+2T<0UP+I
M_LKT[J&,"?M54.9M!<.Y$>VS^U5])>7>T@M>XD.Y`'8_YJ]"^IG5CG]&%%CI
MR.G$8]A/+JXW8MI_K5_HW_\`"5)*:+[!B[G$323N!_=G_OBT*;J[:@YD%I")
MG].<QSK,=NZHZOI[CQ]+]YG_``:P<NF[&;ZO3[=DF'5$2W^4-OTF)*2=2HK$
MG:T.[0N.ZG=BX[;+XVV&=/-;W4,C.KH=8]]>@YC\FJX/.NOR&OOM,@D!L<:G
M4I*=SZN_6?IV%C68^2Q]5UUALMR?IM=^:P.:/?7Z;5M'J.-EM+L:YEPY.PR0
M/Y3/IKSL*;"]CP^MQ8\:AS3!!_K!)3V=]O*S[WZ?%9E/6<H`-R/TS?W^'_\`
MD7JP<FNYNZMT@<@Z$?U@DI6[\J2#O_*DDI__U>4<[OX<I,L]VT@>4PF=H?)0
M?6_1P@EOY$E-L/(=HYK?A_L#E?Z!UC]C];IS+'_JEP^SYO,>FX^RV/\`@+=M
MG_;JRMY(!+0TD1/FG,6,,ZR(>WL0DI]D>W6#J.01^!E9'4^FUY)<]@]*V-7@
MPUP_ES[/[7_HM4?J-UG]H=)&%<\NS.FGTGDF2^G_`+37?RMK/T+_`.HB_6+K
MK<)[>G=/:[+ZK8?=53J:6'7W/_,RK?\`M'3_`*9)3SQZ,_-ORL#*N8]_3(-U
M-=DNLW1L;M_G:F>[]-O7)_6=M%>RFN-X=+]N@`_-:`/W%V#^NLNZ+6_IES;J
M`76NQ+6"O*:YNME[;6;;;;7?3LM_7O\`NQ?C+A.LYPS\UU_+G6-#G1&XQ]-S
M?S7_`.D24YP;J0G:-$1S-MK@G].!IJ(F$E,0U($L=N;H1W4P!R>"HNY24D^T
M#P[?CX)(.B22G__9.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!
M9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!
M`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`__``!$(`'L`;`,!$0`"$0$#$0'_W0`$``[_Q`")```"`P$!
M`0$!```````````'"`4&"0H$`P(+`0$`````````````````````$``!`P,"
M!`0"!P,'"`L````!`@,$$04&(1(`,1,'02(4"%$588$R(Q87"7%",_"1H5(D
M)1BQP>'Q<D,T-M%B@I*R4T0U)B<W$0$`````````````````````_]H`#`,!
M``(1`Q$`/P#`JW1-H"CXU(KI3QH`:4(!I]%.`M4.(7*:4&E#0TU.E!RT'`7*
M%;%*`JD4*21_,:$_]'T\!98]L(HE"/,#0'G2M14>'CP$]'M6T`J36H%=VU()
M-:)!--2$G@/5;8[=P,@M!+$2+&E394^8?30XMNA.F,_<I#S@`CPE2CTFE+`4
M\L$-A1H"$+`DS;O<D6JU6:=.ES(\J79HD6)*ES[U`B.%B3=8=N8:,UJSLR`$
M^I<;2TLD@*JE>T)]NPW(J3$D,0T75QY2V8C<EHQTVY'F7<5SU.^D+"6@2=JJ
M`@IJ2%4#TWC!K[;`LW"V+91MJ'DN,/,+1N4.HR\RZIMYJHIO05(J0*U('`#>
M;9TD$I`\=4ZUH!XZ@:CGP%%N-N+1(VD`$\^9'@?"O/3@*-<X(4%$(212E"-2
M*\N6@UX`5W:,I*G`4@`\A]%2*TY\^`H'IA\P^S_UJU'/E6OPKP'_T,+X$7<$
M:<B/"IY`>%*'3@+W;+<24>4@4`%*5.@^'.O`7R#;E``)1N(K2B:?"O+Q^'`$
M+'\;9F$JE3X%K90VXZ]*N#W30E*$[@$H2%.J4?#RTT^/`"_+KI".16VR6:<W
M-@3,ALMND7F/($";;BW=8SG40&GGW?0O.H#3BSTU%E:D[0EQ:"#70L;QBVY%
M/M%Y<C,85B\9BX&%.A2)4/);G.8@%N!=[,Q.C2+P^]',@V^VF4V[$6AU]HK$
M5Q/`#R?>H>59),N4MBY;+=CP-SB6Z7:[*_/FV^>XBSV3)L5Q'($67&[;:7)'
M3%JEICF.UZAM]$9Q=5A(6B\3)2[V[-NN8=2YM,3IDS'[#>194SW$F49%RO5G
MM=EM=E2F-!7L7;[E"0Z20OJ)4D@+C@?</';OB\K%KGD-TO?S)ZXR6Y]QG6;'
MY=NDF0S;HT"+>';SD]HNMO"?M-/PP5E2@7&B0O@`3W#P^+C4Z3.LG<>-E[##
M+;UPQ&]6EZR9G8(O3<><5*`C@3E!9HTUZ:,AR.T76W7:*"`&<^WM264NMC<T
MXC>E21HM*P2-/AP`WO%M,?=IHKZ*CE44X`19%"V[E)`\*C;7Q(!KX5)X`8]'
M^W5^C;RTKNI^W@/_T<4K1"+FVHU-*_#:3]'^UP!0M<`>4!/@/KTU^D$^'`$^
MUVH4!V#EIIK7XUY\`W.$]E6,APN*'K5,5,NR7KM)EMF*T]%M%M=*XLR).DKB
M,6)EJ6P"N6MY55CIE%"I;`!JZ=CK1B><6>XWI$EIZ/,95<U7.T7BU09SH=A/
M**F;M<+9.;3(.YU#+ML9+X*2D)-"X%`]Q'<#&,28DV&ZR9,J?<I%RO\`>FHT
MB3$NMTMUK4ZP8$^^1G%RD(R1,80'8D=;3DAAQ32GF4I(<!1[;[BX-SMK,2T1
M%8C;7[M"M$BWV&=<IUE]0[;YW3LL>Q/W.);[>&/E:7WIC(0E2T])AME2_5H!
MD\.ON/V['Y<R[9U<H,AUJSCY='R;(VKG>OESK:FYUKM]O>DWIF-;9C+K<F9=
M);-M4%I8Z*:/J(4;)N_>"6%M_$FX6)?/9ET3=[]?<CM&/BSV]B)U%K;=DX5D
M\B5EMW;7N*6ULQ)2'CK(4%AM0`3,,HN=Z@RKNQ.NDJ-:HK24W"(P_;I=O<DI
M:>A18S-D7=;?`MDQ!)7$E)2`D)*2'%E20F^S?<Y/<FU7*T3HS\3(<7'2F)EN
M]21+AO+W0IBU*`<<4XVHI4K6A14TW)'`6N]P`XTX%(\R=`:U)^GX5'[.`"M^
MB!33J2"2`K^C<!0?7_3P`<Z!^8=.AK6GU[OV_P"C@/_2Q_L,(*V$@"M!_D^(
MY"O`%RTVW0:#PJ:?YZ::C@"WA]@DWBYP+;&2%2)\N/"CI5H@NR7D,M;M-!O<
M%3X#@-B,$MMXQ"T6>'A=J@SKI\PB6C'9UX-S?FW(6!QJU(DVNT0WUI?E(=DO
M)2[)9,9EQ2PL=%+KT8*=W([6RKM/8@W.PR+=?-[L3;%^72F;F\Z]1LUMZK=;
ME)AE2PNFXK*E;E++2:AFO[L_91F;[4/(IL%$UUU"WBTSTD+)9=@J:1*:9BEG
M:ZVV[U2!O2I:2E505$,\LE]KN6VWM)GDZP6&:G)H-QCWR(T(VQZ"1$<MTM/W
M*4ME.Z75+J0GRE2@4E-`"^6GMAE_<.>D6MR1<\=:CN*7CEPDR%/X_.<B(A*W
M0WBHPWH2Y"@ZH`)6$*W@[@>`'V0>W_N:]"2Q!MUW+D8MML%V$0ZAV*X4,I;=
MZ`*$MO!M(`42$-%`\J5I4$Q@E]G=N,<O6*YGCMS>F3&DJ1=47&Z)<;F^JC]&
M%>$)D!M^U7-+"X[R4E"$!:7J;T$N`V6"?EM(O-@R/%<?=QB_W1B78)JI#K/J
M\DM[P3-=$F"PI<5E<&9#"U.HZ9<+8.I4MIL"=?K:$]0%`VZT-*<QRKJ:UX`"
MY)"Z;J]--?#3XCF/AP`8],/GNW::5W4^G;7_`+M?Z.`__]/*['X50W4$&@_R
M)/[/#ZJ\`;+';"X$5'.GA6M/Y<Z<`R_9^T1+?EN/W"64MM1;E$D*<70):"'$
MJ0X"-`I"P"*^-.`?+(.Y&18[=$Q,,!>NEX"X\^]ID-P9$"++,I099D*2Y&MC
M'3#*$-A2G'2VL#J-+<:6#2=HFGKW9U7&[W!5W5:'H;"@X6EL-=-IU'2BJ$=A
MU2([=$@KWFHY^`!M&[%C=Y8BLW&SVNX,O(2H"5#0_MZB`%$K<!H@[1N3J"=/
MIX"%E]M^UK#;T5O",<'J&),>26K:TAM]B0TXR[&>;;V(5'>2X0MI0*%#P)`X
M!`I?Z>WMGM?<27W2QZS7ZS9`J8Y(^6-7-M-G5)=>$ESR)BB4]%7TRE;;ZGRJ
MNJC70+/W![0]OH^.,Q8^,VA#2`^E;S<=L%IWJ*>2IPD!=3YE)-?W:^'`<S7O
M6P+'\3N>63H\)EAJ1&>=:`1MV.!0#RF@JJ5AQLJY:!1/T4!9\6GO7_M]VSRO
M'H<=^]8ODP`AQ"PE;BOG,I-ZB1PAM*VA(LJ8S8#BS4DK30K/`.YD-M5L42RI
ML[02A5"I"E)J4G:5#<#SIX\N`7C,8&P%0!!`-137F*_LX`&^F'SGJ;C3I<Z:
M?;^/[/"G`?_4S:QR'7I"FE0.5/`?1K4#^?@&)Q6S]8->4ZBE.7U?M'`,+CV%
MY`[!G/V:S7.]RV8:WVX=LBNR9">GYDND-I^[0A:0:DCZ*G3@`Y?/<+-$%BV8
M[*FL7UYA<%4!V)Z6;!N6Q(DMJ9<*9$:XL,O%H)>HE,A513S#@-JO;#;LAC]J
MK,,AAM6V;=;<T^;>D*ZC+[;9=/54`"MQP*KKJ2.`;R&N=";A;3HVEMM:=I)^
MR/-H$'>H\]?J^(?6YB6MA2VU-H*2'BK;YP1IS*TIJ4J/,D\!3GW7)D=WR-%X
M)2-J5*&]<57,*WFJ5@T/,G0\`M7>:\JQ?'KA.#+3BW4C[E0"TH!;=WK5N=VN
M%%2::4!TUX#EW_4+R'YT[>X;/44(5IERBXE=`AR6:%O9KY4.I16FA&II2G`(
M![$I=[R_NW"[=077#9(5UGYW=*.D.Q$V*,RAL,!25H2S<)TJ,AU(`*TIYZ"@
M;*93:^DXX%IU%>0TK0C@%?S.#4/U!_?Y@C0U&A(Y`>/`+QZ8?,^0I]BNOQY?
M'@/_U<_<8BI4IH4H=P/(<]/`G7@&SP2U[O3^2M0FHIJ0.?@:\J>/`;%>TS"[
M?<&+6"TJ,\X%N7*Y*JW$BV]4N["=.?4K8%^CCVV.VD>>BG%A(\QX!`/U%.S&
M'6CO[VUS+`18KE;+CE3-GS+(L6?C/V^5>6[I:)TV-<H[*TK9O2;$HE:5)3O"
M%DJ\I(#4FT/-6+'+/+D%IB,PA+KRU*2!MCL(!42%+2$%M::BHJ2-=3P'ZR[W
M+X'@$%=VNEIR:\P&6&EO2;#`-V6AU3J&0W'A6U<F4XE`43N6EE!V*"5$[0H`
MMCOZA_MZR^]*QV%=<JMEVW)1(M^0X7D-A=CE?F0G=<X45$A:FSNHTM8`^U0Z
M<`:GNX.-1;,SD[5P9>L-QN_IF+@\2Q'::2%==QPOI:4E*"151%*BAIKP&4WN
MC_4`[!6J_3,'@Y6SDDN.)2%)L$*5>A-DH4M#D."Q;6'WI+IHK:L>12J)%:F@
M8&>\+NQ!RFPR7FNWN88P)4.6Z;GDL&5:9,V'(8++`;A2H3!9(>6FFY6NH`54
MT!>_TH+(N[>["X*<=Z8B=N,WO*4DO@3"R[C5F,?[KR'IJO)>/5\GW?\`7".`
MW5S^Q*:4ZK;M^U_-J:ZFM*_R^()YFL`IZ@I2M=:<_C4BNO`+=Z%7S[9^[7?3
M6FVM*_MKX?ZN`__60[%$U<:`434^`'T:T)\?'@'1[=10X8P)5S2/@*Z<^>FG
M`:P>W9^5(Q^\XW%<Z+\N'<X,1_<IKI?.81:C%QX)4I#$:XMA:E`53U=`21P$
MYW,P/M_D/M<L\"]VQR'F_:W),%O]\LS["(-SM633\F5<94]Y3;KGS*!>$O/!
MN34MRV4*"#Y%%(7K'X,7(L*<C;8<F08S:E-S0GT@$=%.J4.,R`I23S&S7P-1
MP"W]UO:;([EX_<%M=UNXN/7:6RU)AOXI=/E=GM[]M3)<C0&,>;5$MDV!)<D!
M$E4LN+=0T@G>`$`%Q[6>TG*<$DXWCU]O.1959[1%7$O=]O%VEWK)+TI+\YQN
M\W$7N=/B]=KU304%(!4RP$H(4I2^`]OZE462Q[!>Z<&RJ-AD63$[XU:Y=M2N
M.ZRXII"&FEJCAM25N+?%%U2-WF()%"&*GMN[$X?[AO:_$B-93>L?[A,KBOQ[
MXU9WE+DQFW[`^<=0B%<X2$N-OV0[I24LS'&9LQI3BVW$I0"@^ZWMC=['?86#
M!%W%F58(:IJ[O<'$H=FX^[:H;=R@02%^@3<5M*]07AN>6\ISDBG`>G]%K$Y-
MQ]S7=VXN-N.1,8[0Y#`#Z`%,MR[MF>#H;;*_$OM6YXI(I4-G@-SNY-D2`_H!
MJI)Y:#:?YN`0_/;>$=<%.J0L\J<B/#^7/@%A],/Q%6G^[YZ?^92G^?EP'__7
M0W$7`7&CR/EJ/KU'U5X!WNV:TE4<G4Z'P&FBOY_KX#2?LE?I6.W*%=(K9D!A
M57XJ5@&1'6DMO-I"AL*PA6Y`5IO2FO`&/W1=W,.8P>V1WUVUC)^Y<N#C$`-,
M,MW"Y/8HF5ECT>4KJ"0EFTP;.^I(6DI;4Z4C:5@$(SV]WOUN.-MI7O6F2_&6
MM*@5!IPI+*S552C;0J*233@#;D[4E+#)B.A/1WMU820E25`'S.+4L*)4#]?U
M<`*',SM]I;E0W7'WRIQ$5Y<"`[*2'=BE*CNR0=B5)2W5Q(*U)!&X`$5!%??5
M`E=PO;9W'Q&*_(:5?X5Q82I+10TV6HRW"A5$[%MJH//4`@#@,(_TV.Z#+<&_
M8#<G0Q.Q>^24*C.+(>0\E9;J4@U5'E*0-BA1*E::G3@)_P#4;[@V"-;&IL*!
M"@R+6Q,<]4RE/6D/OL+;CQ7EC<IU+LARA2"2/-3GP!C_`$1NSLBP=B.[_>FY
MV\QOS/RZU8[CS\A"DNRK)@T:Z2)\N,IQM)5$D7O)W62I*BE3L,@@%/`/GW0#
M*/4ZC0J&FE=%>6AYFO`9Y]Q7F]TDBG)RFE?#7X>`X!4O4I_$6RHKTZTW:?Q?
MA2M:<!__T,[<2GBK1!',>)^BNE.`=+MK=PA48U!H&ZBIY5`^-#J.`T3[8WUI
M`9<<<0AL)WK6LA*&T@;BI:E$!*4@:DZ"G`#>%D?;SO7C_<GNOC!CY+%7=[E(
MQ#(WXSK;D./BEQB8]?)%I3+2U)1#NC-G="5!*4/LJ2K]X#@#OV<OR+5C_30M
M*'''DR#OJVM\+##"$M&@7M'5%?VGG7@"?W%S._RYMH[>X>^AB^7:&;K>+[(2
MM<'%,?2XW'>NCJ-Z!<+@\\YTXD1)2IY=5J6VTVXZV'[FQH5HQBW6/%+W-$VV
ME:GKS<&H\R9<UR$H^8+G(D(;0I-P6V5!;>WI&BD>4;2&:_O!]RN?X?VJ[C6?
M&.WEORR79K1<(4>_P[Q%0Q`O5ZAOPX;\B`]&;=7%CHJXI(<*]Q2D)VDJ2'.5
M[6#,[?\`=Z1EN8W!4*YY!O-U9#B4QDN+DJD..OI2$)^[?=)T2=M0*4X!K,UP
M%/?SWU>V#LQ<8R;UAN<9%`R/+[7.1UH5QP_#+FWD&36Z='!441Y-GLTEAS<0
M%!=*DD<!TA9!;\/[=XQ;<)P3'K+B&'XU"^76#&L=M\:U62T06MRTQX,"(VU'
MCM[U*40$U4M1)J23P"`=U<E0HR=JTZ%1&OQ!\M/`$G7@,^<_O6_K^?16_D?#
MF:?`\`JGS8_B'K;CMW;:5_=ZM.?PX#__T<KL2NP'25U*&B2:&G+X`?`\`S&*
M9>8'2*'*:I*J_1K7Z/KX`5]]O=+D^<629VM[?2GX6,2&W8V4WV&^EN3E#*4'
MU%BMSS9"ACZS5$EQ)`G"K0)CJ4'@Z`NR_9JS=NO;)[:F8P2_:\K[`X8BZNMH
M"NO<6;+'D9'+==2*N+>AY0P^H`[EEHTU%>`JV&6N?9KE?L,G%8N%B"_2/*Z:
M/F<)*DK@38H*DMK2]H7$U)"B4CDFH'!6/C/I$&.]<+E9W(]N2Q?7+<Y(@2I:
M6RI4..9:$H<"=REDEM2M.7.O`"C..VG=+';BH83G5M>LI8+IM676JQ39T!"D
MH2%QKHXQ;)MPB%:0=ZY7J4*!H5DB@9O=^\C[IVK`,NL<6S=M^F^Y<9UVF)@W
MF0N>M*0E)96+NVU1Y+)()4E=*UH>88F=A\?C]T.^J9W=>[1;?9X<CY,J)9V%
MPX$63L<7(1O?DONR'$QD*;6X5[2ZZD#4UX#4_P!B=KM/=[WB=^O=5`BJ;[;]
MHK5^2O:-UY'W4O(IT=@97=8#S58A-KL;/0=V$U3=4JKP#^]T<X"S)2'R4T6/
MM4K]HZ"O*H^O@,]NXN4=9;Z>I5(*O&M>?A4>/`)/GM^KUDA9W+J*Z'XZ`GQI
MP"R?.1^(-E5[=FW_`+75KRI6E/'@/__2PMCYW#L`1UWUN.J%6HD8%V0[IY:-
MI'D0:?:64I\*UTX"+NF>Y1FX;@,2%0+*5*+]OB^I92\RE:DH%QE++*[EU$:E
MD)#%0"4J(J0M=A:B0XZH\B4Z'%-T*FS]X^$*(6PHN!ORD`T%/'0>/`=FWZ>]
MRA>XK]/7LW%MR&$9'V[M+?;P*E(6^N+<>US[F(QVY(;"E%K(\-1#D.;-RW'I
MC6Q"U)%`&W=C')MMN41R,PB%D^(/+8>"*5?CL`%II]:5%M<<MMT#P*DK2H.(
M4:MDAX.V/=/&I5]?QV44V^[L[!)M;Y6F3'E=4EY#A*0M3#CY3T]JMBN:021P
M!E[@1(5^L2F56R++4B.\LK=7'W,T:*''8Y<2M3:^@2E)310"N5!H&*_N@L&.
MV:VW,?)VTP%M*BSV(S@*U)4)+1474I"^H72#0&G,G3=0.??W,]P,+[/V2;"P
M]]$.YS)?3@]`I"VV5PPZI;8;V;JK>`)H22G4\`Y_L@_4O]J>%=D<$['R9MS[
M0WFR1))O<O,(Q>LF4Y-/<5.OF1.Y9:F7(,5=SE+5M%P3%Z32&V@M>U-0=6_=
MW<<S*W?.<4R:RY/:)22IBZV"[0KQ;GDD%0Z<RWOOQEDI/@JHX!4LTR0+ZY*P
M34DA1KKH0!SH13@%+S"]!?6=4JE-P\#\:&G];2G`+I\V/SGJ[_-NKX\]U:?:
M_P!/`?_3YV(,%4:0E(;,AQU2U3%/':X\5"OWCSRE%:EH.NY)!H--=W`$>UQP
MP2]%@Q4*>="BT%%3"11`"B5/-I5O14\B!4TII0+_``T/I=0_ZNRPDI;22L&W
M>H:704(+*7Y8V]2IH0=.`WC_`$/O<\S@7>',_;#E=Z^96OO,U^-NWDF8[,*(
MO</%;2XC([%&,U+)"LIPF.'T*2I!"[,6FRA<KJH#H+[[=GHW<"V'([*8MOS*
MV-*5%DO>2WW^$SN?79KTII*&VD+#M8LE+8;AK<JILQ7`(P9*]P>SIO=T?];&
MN."]QK$3Z5U30BS8X3O;0T=K:47"V%UDI0X>HBB?$@C@%*N'>WW*8Y?;M@ER
MM%GR.+:VVQ#O\.XRX#LF+O4GHS(*&Y#3KZ=J*K0ZE*MWV!2O`9E^][W"=P<)
MPZYKFX;`BF>O87&KPM]UQYXK49#R78:$A>ZE=I/+36FT.9_O'D%\R1ZUWS(5
MN+E7:1<)$5H@A$>WQDQ6HJ6DFFT+4\XLD4W!0\`*`&&TDJ"=":U36FI_J_7_
M`$<!?L(S3->WEV1?<(R:\8Q=/*%R;3,>B^J9;7U1%N$8%4.XQ`NA4S(;=:7X
MI/`.WAOO=R*4RW;>Z5L:N%`A`R:P1TQ)FTFBW+E9DK3#>420=\7H!(%`THFH
M`KS^X5BRNV^NQZ[1KG#44[UL+^\8<4E2NC*86E#\5\)(.QQ*54UY:\`*?FA^
M9UW?336E:\_V\!__U,!+A+4EIAT%*$]%#0*11(2E92"-FT5#1(&AH!I3@/G'
MNL!4F.W*:>ZAU0I+Z6`4TZ80-T5\!Q"N1))IX<N`)#$AI#4?TUOER$DN(\[T
MAX]4NTKMM\>"NFS]W<0?`4X">1F>=]NKQBW<G!&SB6=8#D-KS3$[NU#EEZ)=
ML=F,S&GW&+P]):G0%J`;DQU(4R_&<<0X"TI?`=[_`+6O</C/NH]O/;/OSBK2
MHD+/L?@W*\65,X27<;RJ(IUC*<;ES=TFDJP7N+-94ZXE3BD-J?6EP&8T^'U[
MO]L\7S.RJ;O77C*C,J5;[M`"(5QLRVF6X_6CS4..!AB,%-%2'2_$;1TTOID0
M5(4R&"/N?[<]W.STE&2L09^88]:I4N7?\CL&.7%]^'8HJ^F[>+_:8CTAVW1X
M+RT-35A3K<9Y0ZE$K:*@RR[R^UC.^\L9CN[W`5)=[<WYMY[ME951IT6'F"B5
MQ49&[(5M$?%8<F2I;;R>H;C);#*!T.HZ`YZO>ICEJQONO;L5L,IJ7"@6A3O6
M9"*)>D,L./,*2C1#C+K)!'PI33@%)B0RX"%A2:T*5BE0=#0:4J*5YTX"?AQP
MZVA8'F*EI)'(*0HI"DZC1:1RX"7:B5%-E:[MHVZU'VD_2"/#@/=;9]QL,OUU
MJF.PI&S:O9]EYHD*+,AE1+<EDJ2*H4"*@*IN`(`H_CQOY;\UZ0]?3I>DWGI>
MLZ>[[5=_I=OG_K4\E=VO`?_5YYY25-O.MIZE5G<`I#B4@D:(%#5("#J/B.1Y
M<!6KNJ7&;C/0URHZX:EAPM(>3]VMQ*6^FK>VM50M)Y$@:D\`2;7>8]XL4%YZ
M[W);Y=:94VILOCJ5H0E3DYE/FI0'D.9TX"69E(F)D,0MZ)<5+I<"J-B1"002
MI*5!TH?;2HEULDH*:G5.^H;;?H7^[YWM3WPR/VHY+<VXF!=]4RLK[9-2WY26
M[%W5L%N+UVL%M)D(3&9SC'8?4VMD2%S[7']/OE;$.!U@36GKG&5L;CO(=0HI
M:HR&7$)2ET/,NM-^DC",RZMQ#R&U1D-NJ/3,%V0PP&27N5[XX=W#SG-/9_BV
M1JN#L*R^A[[_`(#RUG$\ZQ3%+HV_&<QWM_=9^#=Q<3Q;)Y-L8>CW&ZWD0$8Y
M!DI;:G+3)8>MP9[>Z3W(]E,(QY?93'K-WAQS";!A$]K&L7[RW^;E'=2S0D%M
M3V8X7W:EYCW`LO>>PVV>TE*I43(KQ`'\+="6M)`<4/=-TY)W9+OS)%Y1*AW2
M8U<T%99N#*YTHL36NI1U#4B.VE:0K5(5KXC@!A"@*#<QM(0EZ,HI0IP$H2=Q
M;%4U!4`:&GC3@)"-;7(:(\=]"DE2$I0X5`H=&M'0LZ*.X:C0@^'`3\:&'%H&
MH-*)5J0ET$IH#6A"CX>.O`>2?%2EWIJ2`3J*)":$DA0*=2.5>`A/2"NVOEW[
M=U?/MW5Z>[=]FFM?M?33@/_6Y[[M7U2OCU'.6WK4]1I6OEZGPIYJ4KP'N-.C
MKZ?_`(9ZOKJ]*OHUT]7L\:<Z:;:5UX"(MU/12]OR;9UG*>AW[NITFOX?6^_]
M=MKNK]UTJ_O;>`DK?O\`FD>GK*]:-7TW0]57>WLW;_)ZC;\--GVM:\!>,(ZO
M^(#L-Z7\5>H_.CMCZ7\L?1_CKU'XOM/3_+[YO_=GXFZM/1>L_LW6V[_NZ\!_
M0=[O_B#\@<T^0_GC\[_#D?J_D9^67^(#9ZZ5\R_!/YC_`/U[^-O2;?X/WGK^
MOZ#^T[^`X#[A^'/QW[<>G\MZ_P#C<N__`.:?FM_CH]+\HB_-_P`->J_N[\P_
M4^B_$W_K/Q/\H^6?<?->`8/]5+YUZ7)_Q-^:_J?SDN?X0_,K\`?XDOP?^4&1
M>G_-G\H_[I_.G\2=#U?XY_\`G7X=ZW7_`+B]7P'-GC/_`#3BNZO_`"6BGK*;
M]NZ;3;TO]WM^/FVTKKP'UT^:WFG1V^I;^QOZ5>H.6[[RM?JX"SRJ?+G*^G_]
ML17U&_H;?4.?#Z]E/-U:?1P$9'_X)NM*[F/M_P`?DC^)3R]7E7_7P'DN_P#'
?'^TCX;_#EX5^/T\!#:[_`-[[7T5IT/\`P_T[N`__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>58
<FILENAME>g655868harding1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868harding1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0L:4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````:@```%`````(`&@`80!R
M`&0`:0!N`&<`,0````$``````````````````````````0``````````````
M4````&H`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````AZ`````0```%``
M``!J````\```8V````A>`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`YEK45K$[&HS6)*1ABD!J`T;B?!&L`KJU82XB1X1XJ.'6]]+R
M1+WO`#O$0DI&]KP8:TN$[21QN_='[RF*+9B))XC4?YP1;;6VN%36CTF0/<)T
M'TN^UO\`UMB@PUN<XG8X0=PW;1`_J@_1_KI*6?BVM;NB6^(5=S%>J>X5EIJB
MN2'$29)\]SOS?W54N?C"R*I9)@M+MS3_`%7'W)*:SFH%C5=>Q5[&\I*?_]#$
M8U6L>KU+&L\2`AL8M+I=(-I)[-,1YZ)*;5G3VOKF1O\`S6\F"/\`._SO8LS)
M%E&._8T;FR6B(''=H6\UV(7%A;NL/AV^?YRLLZ73:QPL&Z=->R2GSI]N8^PM
M)):&NVM.HT'[O\I$IZFVIL;-SW]N`3/TO86KM#]4J=Y>'B#R%C7?4[*HRXJ`
MNQI)#B8+9U24\]D=8<Z!MBKG8Z)GN7%C6;OZJ<[\B@.KD;S`T'Q[>U=#D?4^
M@,+BZ9G3R7.Y.([#M(#BT!T:>7T2DIMXXN-(;>"+6&'3^#E&UJ)CN/K/H<9V
M@%I\D]K4E/\`_]&C4R5;JL-$.)VR8^]0QF3"Z'#Z=C9&(YEK6ECFRXN@:_UD
ME.-C9;7Y;:6#5Y]Q&LKI6$S/B%SG1L04=5R*AJUGT">8G0KH!?76#O/'8:E)
M2<NEJ$XS/BJKNN]+:_TS;M=,0X$:HPR*7--K7!S!&H24U\QX962[CLO/_K)9
M^D=M['5=?UCK'3ZW&EUK2X<@:_D7$==OJL!-8<)U.X1JDIN]'L.76;W#5C17
MN\XERLW-T0?JI67=*L)_TI'_`$6*YD,B4E/_TFQ1PM[':^[%;6!N`<W<T=V@
M^X?YBP<0\+<P;C2-XX`]WP"2F5[,8=0;?5Q=6V3\"X<*=^(VX_2+`=26Z$_V
MU2R,T7YNYK2&,(#7$1N&CRYO]ISFK48X%L3JDIQ']$M;>][;GVAY&UMCI#?Z
MJ-U&H4]'RJV>R&.,]Y@^"NFS:\M9[G`21/`57J#'W8EU9;]-NTZ^*2GCNDX-
M>=TP`O<S(!_G!R8V^WG^2LWK6.]K[`Z0U@ELF>5H?5[)]'(NQ'<UN.WX2@]?
M??F93<?'K=;:_P!H8P28YX:DIT_JG06]##R/YRQ[ONBO_OB-E,@E:>)A_8>F
MX^*8W55@/CC<?=9_TRL_+(U24__3!BV1&JN9'5&X[&8]4/R<DBNIG8;SLWO_
M`)*YUW4&UZ,][_P"GTIV[JN)=:9)OK+G'M[FC7^JDIZJT%II)TCVQX=U;%K_
M`$GEGTP-)_*C]0Q)L>TF!;[VGP),_P#5JG2Z?:?:X>UR2E,R<>EFPF-_TK+/
M;N/CN?MW+/ZB;7TVC'M])C6&"UP@DK;MI995#@"/`\+GNIX]8#_T3(,QW24\
MM@M^S9PJK_26'Z4:E;GU?IW?6#-R7:C&K%4]@]WTO^BURQ&6.Z58_)(`,F`%
MTG1:OL736[S.1DDWWN_E/UV_V&I*;V9?SJL3*MDE6LJ^9U65D6\I*?_4Y:MK
M6G4SX%&:TF0`XH+7B0)A%WB=22DI]0Z9E5=7Z13>X_I'MBSQ;8WVV_\`3_Z"
MRL[#L8\UD[+?S7C@CQ61]2>KC%Z@[IMIVU9GOJ)[6M'';^<8U=MD45W,+7M!
M'W1\./\`7_P-*>8/578L59;""=`\`EI^Y975^J8_HO>Z0"--"%L=8Q+Z6EX'
MJL9JTCZ0/\IJYKJ561U"N*@&XX'Z2P>/[C?Y:2GD>J9S\EP@D,F!YP@XG4\_
M#TQKW,;^Y,M_S'2U%ZQCC'O92WLV?O5$#NDIW<?ZRV.&W+9/_",T^]BLG+JO
M;NJ>'#RY^87.!JDW<P[FDM/B$E/_U>0>7-APD0CBV0"''CA0''R[I=A\>W\$
ME)!8]KFW5.++&.#ZW@ZM>T[FN7J/0^JLZMTRG+;'J.&VYK?S;&^VQO\`G?07
ME;.'?#_6%V7^+?\`F<WZ7\XWGZ'T?_/G[W_!I*=OK75,7I@8VVRMEUYBMKS`
M_KO_`':UA9N7C=/H^SN%Q<]Q?:;G!P+W^[=46;6T;_I-I?33_P!<6;]9?^5.
MJ<_S%O\`3?I?0=_1O^"_[C?]V5GYG_B>K_GOYMO\Y_-?2'_)O_NQ_P!:24\Q
MGN%V:YP=O!W$'Q$Z*L&RWS1*?YQG]0\_$I-Y/Q24L&P8*?;HI/[?$I'NDI__
MV3A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V
M`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$`````!
M_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_
MP``1"`!J`%`#`1$``A$!`Q$!_]T`!``*_\0`B0```@,!`0$!````````````
M"`D&!PH%!`(#`0$`````````````````````$``!!`$"!`,#!@<,"@,````#
M`0($!081!P`A$A,Q%`A!(C)1(S,T%0EA<6(D-38W\(&AP4)24V-D)64XD;'#
M1%1T%E9F%V<Y"A$!`````````````````````/_:``P#`0`"$0,1`#\`1Y`A
M/(K>2JGBGCS_`!)[$_AX"<P:IRM:KM?8Y/'1$T3Y/Q\!)XM4]4ZEU:-$ZG+K
MHB_*JJO@B(G`=(0'/-&C5\<ME(.Y6L%!^>(JL8UW:$UB]4B097L:-C$7JZ^I
M>EC7.0/VM*^[BRV`KJJ7:1Q68*&QL8<:2>$S(9#7N;35IV-[%F6,(:FDG8Y(
MD8`R$>7H9JH=X6$9,XKP$A,E2)#&$A?937VL)@O?0TF59UJ2X)HK%:B,-'<4
M)514:]=%Z0]5WM7E%?`=9DA>:K%[FDZ"AY`$1C5>O=:H&ECE0>BJPB-(FNO3
MISX"G;2D>WN-5KQD;KUC<BC<U>:Z/:[1R+P%<6<%XU>UR._`FJZ)KR5?DTU_
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MG5,K`%!C;[BUAV5E6#O+N-;S)AWOC#-/DY+<P&P*VLB:(2$9AH@6]?4QS550
M'7,K3;F)?B%B0[.A<>4.-(J[')FY#CD])#4<^30V\Z.VS8L!6H-!R2#>\;=2
M,5Z=XH1^YI4ZB->/1=%;X)JJZ*B)[=47@*:OH'2AQN:O)')IS3W>?AK^[3QX
M#__15Y35O5VUT]U.GV<O8FB:^/`7O@.+)D%_1TX^MJ6%G"B/>P+"N8,QQL(5
M!D^;<@V.5RH[W-$Y\N`9)?;`0KFA9,=)AER`C7DK*96)/LPPY4(X(K@DASH]
MK&(..UKDD3QS*QA]1,AI\U+``*;BQ;_;W`<E944]6ZQK!VLFIC_9<6%$520)
M#2EG5<&##CL"%D=B^5'H)7]*\VL:U`4Q:97N_?Y#)@EE6!H$"@R-E54RI!ID
M&*M'42(IX1*J4KH+J^UD:.F1W-[91O='<BQD4+@FF&^INLPZN8`>,CM<@R1>
MTL9S#TU+/ELGR(LBZ5M#84\RQGAD-(@!2)#0"Z$(H9!W)VPK//?6#.G-C"90
MD#B+D2:_&K=:8DMUS)BM#.LK>?CV+XU.NX@^VYS84B22(9[$>[1[UT#UR4NM
MRL(AV>+K,@DO+*1#KA.AP0D`H1FFB5"P)T6KB3#="O>,D12=O5RD1K'=`7_@
M$?,I&&`KL_@R8.98_)/4W#)+V%?*:!&.@V@Y`G/')%/C/:Y2-<K5*CT;[J)P
M$>RF`K%<3H35-4543Q^+7Y>`_](`:2J5[4Z6<]$YZ>'[_MX`V_2_AXI.26$J
M2,R/BX_9I$\L-CI"'F(*$3LH016,>2*8@NM6KVT)U>S@#XK[#:B98R*653BN
MLEG.49&U1G(RB!'&9(C?/>:%8WDLK3L:<TDG9:P2.",95>\P732^F/#<LJ;8
M&2QA699XBQADM&DD.A1CB0;$!%1RQ!\FM<]&MT?JNJ\UX`:#_=+XDV[E7<+*
M8#(LII_,1#@E#[X)"_.B:B1S=)7C]QSVJW5CE:Y'<`M7+?N<]S=O]U0PL6K:
M?/MJF64NPB6\BTCP;C&DL)$N=+<+OHBL*&9)(5!$&X*E<J,=IR:'1SW[G["H
M5'(L95VZ020Z:5*Y&_,BBH8K6#&3Z?1L5=%1SW^*JKE5=4!,VY>U<[9+)CQX
M=].IH,/(!1W)"D&"+6$([JR:%@GQB^="5JJ,O6UR,(]G4C'.3@"8P"=+9EN5
M8)8R!2EJJBMF4DAJJJR:T"MC36J3J<DE8,V2T2%_EMT5K1MT&T/3E56BC,U&
MKR1RI_#XJNB<^`__TQ3Q6F<9H]&:KHBZ::^*<DY<E3@".QB_-MZR):&DCKF3
M90JUW=1$$5DQXQ,157I:FAE335=.I4Y+P$\VTW;K;C=>GPVD@D)*O;$IK.;7
M%6>:<0)D<$;I#^XHQ3&-0CUU:,;%8P;6ZOZ@=I223LD%D,&]&F@A<HF^XB/:
MG-BZ([5S58O/ESX"8&L7R88D8,R-8%6H/Y'IKT:IUIIHNGM\/'@(+-D-EM.[
MH,*2HU:5FJ*B$16$8JHCM5:Y477ES5-.7CP`V;PW<6HQ^6>R>1(VCTAN0;4*
MBG$9%&KE5[NER<W:HFO3RY\!D&^\=OM+RS'6F$%(TX39*MZG*V2X<M[G=;M6
MJCF.;JB+HJ*NGMX"=^D*_-N_13<[GUH22<;QVFPI]FX6A7VB0HLRV='7H1%#
M+&P)W+KJU3::(U4X"Y\QJVC&541-7*Y%\=43G[.7CP'_U*SV[ID*L?J8OO='
M+\/+V^Q%7QX!QNT'IZVZW'VINZ;+JN@/C]IC;I5P?)&0H$<4L0NSI$NS(,\2
M:29&+(BF:5G:"P;FHU45S@7=Z.=I@[?>J3>7%A,/*J\=/V\5F6#&&FFJ)-F9
ME=8!F(U1'`>!&`1AF*B%$1'M56O15!O\;.<>QP-BEW)>)\9SCMB10OFSG!4S
MT00``1[E5'*JJJZ(B(NJHG`5'8>N3TPU5PW'YF>QZ:T=)=#'`NJ>VB'E2V$<
M,HH[FP21R]&BJKT>YB-37JZ>?`6"+<3#[.!+RJIN8EC1A;"<63%+T-CEDO1J
M--UJ/LHH>IVKFM31=5Y<^`6KZO?6%L'CDZ?@UEGE+*MXHY"R8E5(+:R&2&C<
MWR81P$DDDSQ.<OS#&JJN3IU1VG`9<?73G>,9..2?'H61PR6!029+[^I?5O/+
M(0FA`1CN\P,;H;E5%>B.T\4YIP!@?=244N?Z6LQER7L*UN[-O"$%.UW0+&PS
M"3'[O2%":D?*33K<[W$31$3Q`A\\IE$IVJ/717*FB>.GXM4\.`__U>=M;%:1
MT9%UY:)IR5.6FNB:?Z^`;GM[5V^;;6U>/Q:]]M'K[[&#75*!!M?<T%59,B6E
M<)AR#C&.;'I*JQAGL$9X7-5R*O`?&;U>W<3?VKS_``X+!BW'VXQXUC):)\;S
M!(-Q=P?+N@D4?D)T+E%*SI&YBQFC<U'#7@)/G.U,+,Y;R,N[6BBSH[)AI-`P
M5?;3>TBN8$U]V"2H`T5$<O8(,KE:B=:,5S5`![CT4994YMD-U`W-S?-8V03(
M1JVHSC(3W,/'!L[RR(=7'C&B,DLF*7WRRAE*YK6M<]4UU"S/41C8,-](.^^/
MTK'4)(&"Y+9AFA6.EI&G!QVR1IW'@-A#D.$\*-3H0?AHBIP&=KTI;'8]Z@O3
M-7!F91E&.;G5U@%Y,NKUCCFVK(KZ0DVG/*9/@&=^<5+BK*5S9163)`B&((K0
MH`/>M+`[J#=Y?&M4L8]90176M0RTM2V9Q%E]??B!*G7'%"8(:=D+%5`JYK5<
MKG.T!K?W3^#'@^AZNO)82,)F&XN<WC5(-!]8X+:C$NIGNHJHP^,O8NJK[S5X
M"S]T:9HB2=&\D5^GLY+S1?EYJOX^`__6\NTQVJZ.G4BN5!Z>U=5T75%U^3@&
MI;(YE+PP3[<!FI!!&<>U&YVBI"BM\T0PE<O;[HAC=KU:HYCG)XZ<!3V?;UBW
M"WH'8U=3:QZ''K"FK:.UF09$$&45TB)47\ZYK!20@.M?]LV\V$CE&O<+&<]-
M6N:J@=]5/BR:SM/D:2'!<%6IHSI#TJB(5SV.<QR+IR3EHB<!4,O(?(6TR!3/
M^U[*#$6=-`*<((X40CG10+)DN0SQ+)/[H_=TT1556HBJ@#_O_4W6;[4;C4$F
ML(,5W1R*.:$<U"-".;'.,H6N1='.1$T5RJU':KKIIS#-#]WSN*F#9_N5L[8%
M80V*Y-8EJ44@S#/$!.)$#)1R.5BO9V>DS4U^5/'D%=>ONVS3>K<VLVXVYQ&[
MS?-<@*VEA8MA]++O+DD(3G393GUU1'DR%C#`U'D*YO:`Q%(]S6M54#05M5M"
MW8'TV[0[0S6116^#X!25^1)"43XKLKE`6URLL<C%Z#!+D<^4YKT^)JHO`!]N
MU+`UTA&JWQ?X*G/E[-?8J<!__]>JML,D'&?&ZC="M5GBOBB<D7GXIP!';A^I
MZ%MW3XSMIBC8=]N]O):4>#8-CQR&\E!=F5S&Q7_J?(B1^HD6G@FG.0;6ZDDR
M&]#$Z&&((""RB')K2[;2I0EB)"CR*!0/8GYG($5EA'C="=#6N&WO)HJ:^X[V
MHN@$)&RJ[?C&4FI5CLO@U`SUOGGF=&CGD,1KYY6#1IC``\JO<UNBO:WI1>>J
M!`J?<;;_``6G+0GG,A-O"R"VV5YK'^P#9I8%"C)L[[8R0=776;%:YJ-"![P!
M![K&M8B)P`@>HF1DE]AN=PML]PBX/0UN'3!Q9E#D%(6NFV$J.<`8L,;"RF"$
MR'U*+M.U:][%&BKHY0SE;&5__JO>V'BN,C)E^42&C':/A$'/G/9(EC!^=F8Y
M6@(5[_=1SM%7FY4155`:U]W]A;+#U_\`J7W5FB0\79W;B!MR&4-GYC!S_*Y@
M'7089E1OSD>IIY@_#J[<CFJ(NB@Q#>#-QIYIK3(JJI$\51/;IHNOBJIP"OMT
M,H[YI"]U7(CG)\6NJZ_Z?'@/_]!5%EZ@86--;#HM+RZT*QC`D7R$-XNICDDR
M!KH<PR-Z5")=45%1[A\!(_2Q-=8>JK8#-<QEFL9,S?K:F3=W5J=J1H<:3FU'
M`))GE<]H(E;6!,CFC8C0QP"1K$1K43@-9'J"VG21?Y'72I(PQ,R<?+:6P:UT
M<,.TL9DFQ::.UK&]G[/R-\B.K-$U"4:.14=HH#QB$U)':K)A$K[BO_N.X&5P
MVM.!KT%WV")UHHIY.MJO'JC'JJ<UZN`O_*L.J<BQ@L2=7T\V.(<=S8-BW6*J
M,&OE5<\?SL4C51'-*)>X/35.`3IZF,`H!!OU7!<1&"2.6&(\90R>HW0@`29#
MY$0A$(5Q.IQ'OZW.T<]>I%T!$E'?V/I%OLCW/-"@P9HI,_[.@Q^A_0XD.8:)
M&'(Z6..1)#^XI4T7KZ.G5&IP#K?1GC'_`*-]-]8^_FBG[I[R3IF].ZUHA6')
M(RO.0!L0UGF!D*-X\=IWQXBH-SA+(84C%5":\!%-S\[4_F=#Z]7<U]Y.:JYR
M?*J<^``;<')=4/\`.:JO4B(B\]>:^&OX/9P'_]%!U!6PH!$(8QS^_P!,<SAJ
M0S6)ST:,Y6*)O=5?A5$7Q\-.`LR#!/+9(#"C74MZ-ZA*#J`X)$:B-DM=''(*
MA!*FJJUR*BZ+\BH&Z[TT[GXOZT/2-MMN'.E#'D=_BXJS-2`:U)>,;GX\%*7-
MP*.6<9@AC9#$*<"&<'O5Q0$7HBEZW`!V]FT604=W+QR5)/C69!>4M)?0F$9!
MNH@3O&EC$*<;/.0Y!6J.1&<C3Q#(HR,&5BM0*6E>JR=M"V'B&\F,VP9QT\G7
MY!754ZYH;1PT>K6/)#!*/$<88ET[HT&O-'.ZE5.``;U<^IW;U^)9';SS2X$(
MT*00(EI;2*,)7->J=4ORW;815<C4375BLU\>E.`R=>J/>^WW/GQFQI4H./#F
M&CQAD^;=/\A$C1N^YB<FC:-[1_E*UWLX"MMI?4QOULFB!VRW/RC&ZWN]TF/>
M;9:XP8J\E>7&KD5A1J4K?=4B`:33EU)RX`\,#^\LR2QCCK=YL;2>1[NAV58D
M%D63[[E^>L,?DR&1G]M%U>^,8?)/="J^(7<;=C$\^@.ML6OH5Q!0:/?Y<JME
MQ>XU5:*=`*@YM>=4U]PPV.\>6G/@/__20E76HEE`$VPD17.1CN@>J]2*K=":
M]\1'*[H5'>'R\!8++6.0HDFR[&?\VQS$*4>KV.$B]37F/*1JJKM4]WFG-/'@
M'5?<G>KB-M1Z@KOTPY;+-5X5O\G_`%/M]+G&(X-=O%C]<UI8`Y?]WQX8\PQ>
MH<)C]6N\_71AL*-Y>XT-1VX6#8[G%3+K;VJAR@M<A6*42Q#0C"`QOG($L0X$
MBNF10)T=T:Q^R-NFH&B8Z""3O6#M1FV#0Y5Q%@MSG'*`3Y=3)`%77T.5&>=I
M(=I4"BC=)F-\J1$)&"Q2.&1C@!(-XV@COU'8IGOJ4QQT7$8,.NVOAPX[\NRN
M'VC#2:01CCQJL5@%0F0V*1BHR/T*L=J..?MB&YR!G1]7NWT;;/.L?P>"\)FP
M*!U@JB,,Z(LQ6%(TA1*K22&%$Y".\7/U5>:\`+,:,YK%,NJ(-%4B+K[XT375
MOX?X^`DP82::^*<E1=/!=$1%\%Y.UX#L5[Y]/)'8U4N56S1M=TRX9RQS-:Y=
M""4C%:JC<G)[7:M<WDJ*G`?_T\XUH>QKWQ)T5TT+(BJTKF(5ONJ5Y&JC^M$<
MFBI\2:\^>NO`6H')7GC0I4>YM2]<%YECD*1!:-<[W2+YUJJQKO'1JJB:Z)R7
M@/='OKNJGT.98A<6-%DF.7E?E&&Y%`ED%<XMF-#/#;5-S%EA3NCFU]E#$41>
M:KVV.TU:C6AO-]$7JKJO63Z:-M-Y*XE6/)KFG'2[BTE,UPF8KN5CS8-9E]("
M(QII4&*.W:V17C7YQ84J&X?7W`O,%4>M#U2;5^E6)CD',,PP.@SC<Z4E;A5-
MEET&DK7]0A`CY%E,P*EEU&(1YSX<89&-7S4PT.''5>Y#)#!4^]F[.W'IMP5=
MM[2MWE-89#D%CE>=R]U\LJ<CJ;_</.XDVW%:X%8XY"HZ3:B=DG<+-@8S9XSC
M9)X0]U(D_MNE*&)G?:</.-Z+JPBVQ;V)-%D4JMLBC4))=>DZ2.O(^/W9"QB+
M&`U'#[C^AVJ(YVFJA24:K?)AH,:-0O?8%W4JHKFL>TCAZZ.1O4K>E5^1?W^`
M[P8:A(HC,<(C.3F/5J.1%<K?=_DO:Q[4YHNG`=1\%$B*[V-5>IKOY^BZI\6J
MH1GAJB\!_]1`$;ZJOT'Z.7ZWX?1"^E_+_F?AZ>`\R_5XGP_7"?4?A^!/J7]E
M_P!MU\![J3ZI<_\`)M^+Z'ZP[ZA_7?T']3KP&EK_`/-_^J'JA_3?[3<:^O?J
M#^IX/J__`)=_Q_\`@VG``9]Y5_FC]>7Z2_87O!_F_P#UI_9_DW[%_P#X]_[+
M_P#-M.`#W>+_`.OG#/VO_L\QO]>?V+_K;3_Y)_\`$?\`N_\`M/V3P&>_"_T_
M0?3?JK.^N_%^F[+X?R/XM>`^ZWZS*^B_21/A^C^L!^#\'R<!WKCXH?P?I*7\
??Q_0R/B_JOZ7\K3@/R/_`+S\'P`^'\:?'^[PTX#_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>59
<FILENAME>g655868helms.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868helms.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0QP4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!K````!@``````````````>P```&P````%`&@`90!L
M`&T`<P````$``````````````````````````0``````````````;````'L`
M````````````````````````````````````````````.$))3001```````!
M`0`X0DE-!!0```````0````".$))300,``````G5`````0```&(```!P```!
M*```@8````FY`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@`<`!B`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`Y5K45K4S0C,:DI9K$0,4FL0\S*9BLCZ5SQ+&>7[[_P"2DI5MV/1'KV-K
M)$@$ZD?U0A_;L4_1+G#Q`@?BLHW#<Y]S3;8\^YSM1\%*NUS7`!HU[:3]R2G4
M^U4G4-<1,$B#$HC2RP2P[O+O_FJC6\/;M['1S#H(_K!7&4,Y`+"!.FL?`B/I
M_P`M)2[F(+FJ5M[Z@T`^H>[3](B>6J3+*[ZA;498[QY!\'!)36>U5WA7'MA5
M[6I*:L)*<?E224__T.=K:CL:H5M5FMJ2E$MKK=:_Z%;2YT>`U6&PNRK7WV_X
M0SM'N`'YK7+7ZT75])N+="XL9\G.`=_T55Z6&.K==;I32WZ(T!<?HU_O)*:7
MV9Y>2\>FP:@?G$'Z//T=RD[$8=/3);W(F0?B%H6.&X.^DZ9^:NX>.RR2X3,)
M*<?T!6W<T0Z)U$S_`.=*>.YQL(+"!^<W0&./I!=.SHU5NTZ-\8_BB#ZKX[Q[
MG`'F1.J2GG!Z+0YGHBR>YU(_=)'N:JV#7?5:ZIK/U9Q)``X,>*ZW]@LIY>US
M9G1L'[U4HJ:R_+JV^ZL06@3(<):Z/WOSDE.)8U5;6Z*Z!-8UF):3\"JUK8*2
MFG"2G'Y4DE/_T<6IJN55RJ]35?QV3"2FGU^N.C6\27UQ/'TI6'5DL<*\=H)J
M9KY;OY7\I;/UD?:^LX33MK],6.@:[Y/I_P!CVK$QJWZ..O;VZA)3H8[39;\!
M^5;V#2!`(TYE8F&0+?<X`=R=``NBQ"PC=60]HTD)*=2BH!K=OM\E:+8$?B@X
MC3.I^2LF(^!A)33RCM$>2R+`*\FR]Q/OIVNCQ#O9_P!2Y;%M<NW`=_<N?ZI:
M&V,;)VO%C?NVO;_TDE.8UGZ$']Z7:>9Y56]JTG4^G4QDSM:!/XJC>U)32C\J
M2E'Y4DE/_]++I[+4QF\+,HY"U<7LDIRNL@-Z@^##[&M:)X@,W?Q>LWIS&NLC
MC>=/FM?ZR5-J>;SKZU,-\G,]L_\`2:LOI^T95<_18.4E-C)Q'XN2T6`NK=K#
M1,CX!7,5^!>VTX5E]-M0'J-=68@Z>[:=S6;OHO\`WUKT.KRJP"!+9#3$Z'\T
MJRVJRBIXK:`7:&P3)'\K]Y)32Z=GVOL-))?;I+N1'DK.5U,XDM,>H.`_A5L2
M*L_U(^G))'B5>LPJ,YGO;N^DU_CM=W24UV9O5+*G6LJ8*Q^>"'MCSV.]JR[J
MW7Y^,"="72!V;&Y__4K3QNAX>-:PXS2!63O+26AP/+;&C^<_MJ-4/S\B&B&M
M!!\.?_))*:66S4E9>0WE;>6.5CY,:I*<_;_U22EI^*22G__3RJ'<+4Q'B0L6
MEZT<:V(U24W^LX=69TF][I];%K?;20>8'O8[]YK]JY/&,V`MUE;EW5K,GJ`Z
M/ARYE=;[>HO9SL:TEN(QWYOJOV,N_/\`>L/I!:ZVH.UF!^&B2GJ.CWM:T`]C
MJ"I==ZIE,8*<5NVMVK[?SH_=K_\`)IZ,=E@=Z<-<T;B54R#FFX[Z6Y%/`K88
ML:/&'_324OT6_&MS'-;<3N]PWR"/ZTK3Q^I58V2*B6OJML->YNNUW+=_[N]5
M,;'P(;8:#ZC/I![#N^]NYJ*ZQVP5>@YU#_:=(#?W3'TF_P!=)3K9Q8*MS':D
M?>LK#,')M/YQ:R?@-Q_ZI2>R]C#7:_<0!M'?^V@[Q51M&DDN/S24AS+!JL?)
M?RK>5=)*R\BSE)2+?^5)`]3\J22G_]3FZK-0%#J'61B5&O&<#DNT!&HK'[__
M`!G[BQ[LR^UNUIV,/9NA/Q<JWID!)3N_4G*]'K9K)]^36[83WL81?[O^,:RQ
MJO\`6.GNZ;G^O2V,6\FR@CB)FRG_`(RE_P#T%RM%MV-D5Y%)VW4/;96?Y33N
M:O5L#[!U[IC7.9ZF+EM]3TP?=6\>U^QWYEE+_:DIY[I_5V-:_<[:YYC731:C
M#1>&O),C@MY61UGZLY?3'&ULW8?YMX&K?Y-[1]!W\O\`FU6Q,K+Q2"T[V3,2
MDIZZMU@KG>\,&GBH.>QH(#]VX?2*RJNN6O$>F6-[R1K^*M=/P<KJPR,K<:<3
M#K>^Q[?SGM:ZQM->[Z3_`&[K/]&Q)3*Z\N,NT#M?-4LF^5Q-?5NI-N.0Z][G
MVPY\F0=-/9]':U:E/6_4:/6;'\MNH^[\U)3?OMY6??9RIOR&O&X$$>(52ZR4
ME,-R2#O224__U?/2/9'^O@I;=$YU";?^\('B-0DI@6:D^/"['_%WU3[-G.Z=
M9_-W$VTSV>T?I6?VZQZG_6WKE-NDHN%EVX>55DTF+,=XL9\6F8_M)*??Z\/'
MNK#P`6N&HY!![+FNO_43'+'Y?2F^FZ";,60&N[N=27^VMW\C^;6QTK-#J:<J
MAV_$RV-M9&L;A.W^P[VK.^NW7W8M=/3J&.><EAMR'-'T:FZ1/[UC_P#P-B2G
M#Z-]1\V]S#DOKHK<9+-P=:&<DBMF]K7:[?>_V+I_K%3C]'^J74?LK!77CXEK
M:FCQ<W9N<?SGO<Y<S3>:,5O5,)\6U@/9$@D@^]CV_P"C?]%ZZ#ZSV'K/U-S7
M8X+1?A'(#>X(`M])W^;[DE/B!HFIK?SF@`'Y(=3G,=M(TF"/-6FP6B-1V3%@
MW!T20DIDV1J-$S]QX3RFE)2.'>"2+)224__9`#A"24T$(0``````50````$!
M````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`
M8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&````
M```'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#
M`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`![`&P#`1$``A$!`Q$!
M_]T`!``._\0`A0```@(#`0$!`0``````````!P@&"0,%"@0+``(!`0``````
M```````````````0``$#`P($!`('!00(!P````$"`P01!08A$@`Q$P=!(A0(
M415A<8&1,B,6H;%",PE2)!<*8D,T)34F-ACPT:+RLT89$0$`````````````
M````````_]H`#`,!``(1`Q$`/P"@FWQ*`&G.OP^L4Y4/AP$JA0]]/+0::TTJ
M34`>%!P$RA6PJ`T`!!II0UH0#K7X<!*8MKH$T32G(@'XT--*^/`;YJU`)*U@
M)0A)4M2RE"$I2*DE:J!*0E-23H`.`ATWN-VRM;JHLG-<?7)0I+;D6!-1=Y3:
MUE2`%L6L2W&Z+T)4``2`2*C@/&GN=@CI5TI=Q6D%5%FU28[*@%)2E8>E^G:0
MATD;=Y36NFNG`9V,\Q%^8B"\_)MKKNQ3#UPA]*&Z%N]!'3EL/2F%)*_XJ],#
MFH<!+'[:AQI+K92XTX`6W6REQI:2:A3;C:BA8/@1P$8G6G0G:*ZBE-3IKK33
MZ^`@ERMW3K1)%":CZ"#J.1Y_7P$"N4&H51`.E/I\:?=P`ONT522L;:5J0*"E
M!7[>`'WIO[_6GCNW:?'@/__0HN@1:A%=`#\-1R%-.9/`3RVVXJ*:IH-$_$TI
MR^)X"?6^V$E(VUTU--!34_#QX"7LP(\2.[+E.-QHT9IR1)??6EMEEAI!6X\\
MZO:AMM"$DDD@`"O`5_=\N];>:SG,5L-R=@8"TM+5VF-1E;K^E(<=49:I#+8;
MMJ`P0B*35ZI4XFB4E(``7'"&9C4G'K<\%MLH075NMM7)]&]#3:Q"@+DMPB5*
M\Q"$+(%!MX`G8YE%CDHV7"`U">9]1UG'V9".@X&2E*77Y*FV"IQ*MA4ZE***
M(.VHH!XM$6#?KA#:N:U.,6XI"9V-K85$=:47$I%QCQ)[KC[$!#JET:<;"$5V
MJ"E#:!>@XS<[#;I$BS7HQG0DQI)D)"X#DDQY+\#=:W&WVVYH0RH*+C[06LK*
MD;BD)#3Y#W$B8W(AIR&(VW:GT,M2+Y&+C+4)_P!,AUY4MASKM.A2E;J-N)*6
MU!0"DFO`;EYJ#<X3$^VR(\V#,93(B3(JTN,2F7/,AQIQ.BDD?:"*?'@!O=H/
M34ORBA/T^`J1J/#]G`";(86W>H`:#4;=:ZZF@\:\`,^@?75^BE*?Z7WUIX\!
M_]&E&SPM^W2I-*UY4K7P\=>`*-JM]=@"=:#P\`.9H-":<`3;7;-4^6HI\"37
MX\`GWND[C..7>W]I<<D!_IMM3\T;:8><AH4Z6WK5:KG+C[U)T`=,=*2I2U-J
M5M"-06#)\2:LC$1,@RY,J7)_ND1M1E4*0TA'1+KB"&6@0`V&2W5(2E)VUX#^
M;'VRG*B)F27$V9]]"'V(<9^<[<)$=:*MK<1&EQDM=>04%MM)`Z>@"D53P&[Q
MOMV_ZG9;\@<:M[R@50IEI3'>C/?B4M,V$6$F.L@A*7^LC<H'8I?X@+T-Z;AI
M@>MDRX[?14VW<?FIZ8=CN-%R"^B0U)5'0LH4I+_26EQ8"4):V'@"GB.2.91:
ME6T7@PUE+\P3I3EF?%PE,I9ENCU*+=#DQ.LMP;Q-]:V4IZ'5;*PK@,V083@%
MZQR\B=DM_=RF7:Y+3"H<.+#8GB0UZ5N-'8D)O-J?CVY:@ID,*=!0X00%`+X`
M5]A,H;M@?[53F9;K%K?N+]FODF0XH+BNJ2ZAAV.XVEN#&ZB5A"6]B`X5>6I&
M\#'?[73J@IH0:'ZQ7^SIS\?AP`9OT2K;@*?X5#6@Y5&@^W@`[Z?^_P"RAW;M
MOVUK]7/@/__2I^L4*NTT%#3G\-/B*'7@#!9;;4H!2#6FM!]XT^/`&"RV;=0J
M'E2*J-!4)YD@>/`4ZX7>K9W%S7,<UD,RG)F299=+HU;XDEIN"Q'DR7$P!.$M
M3:G`EEU!-%%*$M[:5W*(//=NTMJQ>%#@S+?#5>YT*++N267W!<+/#/3EL6Q+
MLQB>VER67%>H;`04;@E"TJK4(S9<.M4\3(:S&E3I:U^I*@MZ/&:<?0IF(Q%4
ML,I9044VK!#AH5G@&9QGVSVVXKBS6(\1AYY@*'1@,J=2DMA*52$N!V*E3E/*
M4,BE!J2!P'NN/LJR&Y^K2[:S)92A##,LQ)<AMTN4CJ>6P`J.VZ\E:E;T-U"J
M@U!VD,UK]C/=_'&VG++;),FU"3'D+5'MSCDEM\,%33;:5R6FV%M%04@)6E"5
M)!%34\!,+/[1[JZDNWRQW<2G7'G9\V_Q+>TZT=7B4R(J?4(\S2@.FA6JO.C;
MN(#P]L>PF'*5ELI=O;ER,>CW-N!<4L!$ZV7!M,AI=I?;4\$^F>2P6-AZ2"4I
MZN]2VP05J9&<D04*?9>0\TN9`D(D(Z;R)%KG2K:ZVY\2E<,T.NX:U->`"&20
MNFZYI0&NE/NY5UU_;P`9],/G>VAI7=RUK2E/C2O`?__3JNQ^#782DBFW]P_\
MO#@#A8+6IPM#::&@^NOW5/`'BT8VIVUS@GR+7;Y:0O8%!LJBN`':I)2K9SUJ
M#3@*(O;3%M.*WA_*KZH3[7C,XO0[7M:$:\W>V3.DPVXA<Q3!:BO1>JY^6VDD
M);WU"1P#4_K?(+\BXWR^SFY%PO4Q<M?2CML(:94'$,E*RM;JFVTE/(-B@T0!
M0<`9>T&+/SY,*4M`;=EH95(+BU%ILK"EDZI!H@TJ2E-54T^`6W]F,0DNIB.0
MA'<:"V5)7)"B'F?(VKI(\CB'-HJ"4A%"/HH#]8I9TLO-L[%I*%55L2I33P"P
M5$E7F4-YY:C3X5X`KOLIC,J0TA*`I14E`10A2G4U5Y0H;DD`@D<_V@#.X4J.
MVT^X\`A39;6Y5K5&Y=%E!!05MJ*$5%"#M&IH>`K0L6-MVSN=WSMZXTB3CV38
MS;\OBM)==;9#+:K?:;LEHEL%$=%X?1,26UU2\R%)UKP%;[-O6J)?'_4"6T]E
M&0N15`&C$=,U328U2`I2VUM+*BH!04H@Z@\`&<N@4"E@$4W$T`KX#]FGU\`#
MO2CYQU/#I\J#EOYUK2M/HX#_U*V<<B$AH4%*\Z<_#3E6HY<`Q^(6HK4R=I(T
M'PI7Z/B!IP!ROL^P83@5]ON1W%BSP!:Y,%F2\F0HKGSX[L>#'8;ALORG'GWU
M#^6A12D%9HE*E`.7&%)FW*1/M0EJMD-B]2VGK-%B"+)#L(!3W6J4JB1TK<!`
M*$N/+*N03J#D8@PTFTP677'71M8BG=53B="H[E5%4>6A)W"NWX<!:+V,M3$R
M%#=1'0$HABBE)2$H51*=JRE-``2HG34:5'/@+/>U3*;5&AOE*4!*$N+;6HI-
M&TI1U75`>1*@2!4`"NZM:#@'PPTMRFC,;3M1L2D`MJ10^;5%:U;(42/OUKH$
MCG0PP%DI_+V+7K75L5JFJB>9UX!5<Y9FW.7(8=9,0=-6UI"TN$M,N*4@DT*2
M5C5-0#4ZTY$*[>[V6(Q^1<F6&GA<9V-*:C>G46W?3V>[_P"](JPA!4&%,WAA
MY8%0?3`$:C@$5MD-4G$;9.6TH/3OF4N2I:%(6[)7=+@EUYY*M2\[TP5*Y+-5
M:UJ0"&8P/*^"FGXM.7.H^L>/`+UZ5/S2FG]FOCSIS^'`?__5K^Q>*E2FA34J
M&FGT<]17@&RP6U[N@=E:A-=""1X^'AP$$]ZX::PSMCC;L5YYJ^9=/GO%IM2Q
M'9L=AEN)F&FB3%?F((*B!4\ZD<!3+=\)A6SN=<T.PVI:KK<ILARY1B[L<ZCQ
M2\\[%#8;ZR5--J!0\I)2552%;1P!P_3DG&K=$D*?#S*V-Y><04G<M+942EI+
MFB:D@`*)-4@5X!SNS_=*^6.UL1[5C#5RL;8C)D75+KR9#R@M(>2MYQER+"!:
M<)*C6BAY@$FH"ROM3WI[=W"0TR]<9EKFFV45;+K!4\6)[12RJWK2RMP293;C
MXJ&]Q(%1Y*JX"R#$\_QY..A;;@"WXL9Y@#<THMR&0M#NQ03M/YFTI4:HI]P2
MJ3E<&X0$H9<:VH1Z=2^JD(7("PMQ+:EA&]9:230Z:'[0%&0N6>3;9$T72()J
M(4EQMLR(P6^E*`1T4(<4IQ0VD5%`=*:\!2![@;Z_/[DX1;K;+91*7!S6._U`
M#'<]>U:HR&EBAW/./*0EM*J).X^9*^F%!Z\QQ@VR''A]-ILPXC$909`#04TR
ME+A;\J"4%P$@T!/,\`HN:V\IZF@2-:_;SX!;?0J^?;-=M=]-JJ4W4K7X_P#C
MZ.`__]9#L335QH!7,TY#Z#RKX_OX!TNW48+,<$J/X0-*?#Z]*\`//?.S.BXK
MV\5;HZ'Y<_\`5ELAAWRM(EEO'I[06Z**;$I$(L:<^K3EKP%/5R<C?K*?-9:=
M99M*(K"V7/.XB8MA+MQW@FM1/>VA(Y$4!H*\!:WVX[%6_O+V==5#AI:OS=MD
MR+>4K3N6XPPIU##@#*DN+?`_EMJ64JT)"M.`'6)]O/=GVLBHA=KXF!S'Y@0Z
MBT9!CQNSDJ,67&QZ=R?=H=N+K$XH:E-JZ;K""H@*!3N!P>[/:_,K+C-ISZ]8
M[@$#('<;AW:Y#"6A:+S;IDEYMJ/%NC"(5O@7F7:W'FTNR6&2B<5*2VU'2WU%
M@QWMN:R/+<"FY#DER;]3`8#?0;2H(6J,TGHMLH"UE*'?MU/+GP"H>XWN5FN+
MS93>16;)_D]EN<:&_)QAVWO7-M5SAS9</;"FWFTQI:WH;"DH`4I0=*$':5#@
M-KVY3VO[BV.V6RTY+W#EY^[;(]\M.$]PL?;M-]=@NAM;-UM\RT7_`";&;I:U
MC\P*;E*\OG4VD540U4/MG<[OWOQ6=(MX5%PAV9/O<IT,/`295OGKM$(LJ4TZ
MII<NS]8J"2A"V4[@%E'`2;N59D_WA9`!)57E0`@\O@==.`0[/;<$=<$4VA7,
M<Z$5Y?5P"P>F'ZBK04V?16F^G`?_UT.Q%T=1LU\4DZ_2*T^_@'>[9K251Z_`
M*`TTU2=?A3@)G[K<=B7'V_3\I<CN.SL#O=BOD)QA2@MINX7"/CDQ*T!)ZK!;
MNZ5J3IYFT*KY:$.>)Z:_<;O?IKOEDW/*YLJ44A)02NY+=7M(<)`2BM*:*%.`
MN2]M7<9^'#QG'K80VEB,RTI+:*]9[:.J7BM0WJV@^"0D:`<ZA:EC^"HOC#-R
M0Q(M=SW-21)@N%IOU"34/+"D+0XOS<RG7QYU`!CW`JM..%UW)\C;=<7%<95Z
MR5#;<VI9"T=.*@--E2UTI1!)-.`U/8V_OVO$+PAAV--M4AU$E#S"`TEY+SS0
MZJ%:UZ+24!:?X0L<JZ@\$7![!G-J3?KE;&[BS+@,1+C:WS'2F28H"X,QA,J*
M\R\XD;:H<3L*AN!210A`%898K)-7E"V(=C?M$>X,1(3C+2@T93322ETDO+6'
MD,I!5O30(`20`"`4;M2F3<^Y/>">M1]%&9M+:$;BK8Y(5)]*VJM0DH;:D%-=
M3O5X:\!%>Z`:0)`T`!4*@'4^;RFOCP%>G<1]H*DE)\'*"GV?5P"H>I1^H]E=
M>G6E1SZE.5*UIP'_T*[L1GBK)!UW"FIY5&E*>/V\`Z7;:[[%1C74;!S(&A'Q
M^JO`6`84+)DMJE6'(+=`O-CO,-ZWW6U7.,U,M\Z%*;+3\67&?2IMUEQ!H00?
MOX#F0[ZXG![?>X'O#@5NC>BMF.]S<OAV:,E"VTLV-=XFS,>;:2HG\M5C?9+=
M:DI(UX!M_;W<;AC\VRW&8RZ84AQMI,D`E-7JMH4=0$'F:']O`768]W<G0\(F
M,V5*)EX$%:X2GWU)8C/;1TW75!*U;`HDE`&XUT'CP%*O<;N!G;F=91?N\";W
MF[UW8E6YEV"6PUBZ$2PN,BSVY:TLH@QT(HIH*6^M1J2M6O`6!^V_NYVLN'96
M^]:YRK3>8<63#BV9,=#]UD+:<C-QG#"+BK@.HX2E+3;)>)&U.Y:@"#1]B^_M
M[QW/H>!Y5;[O^A\AL,6[8G>KQ;[A:%"<A;[%YL#T6X18TZ+(CI;COM)=0A:F
MGG"`-AX`U^XB]X_(M?6M;J.HZV6TE*P?(X-^PJ"O,E*55-0:)J1KP"@=I9"(
M=D[@W\J2$WW)V([9V[5J9L]B@E+JE4!*"_<G0FO(@C@`1W4R9!,C:I.A5X\]
M#I0<AK4_5P%?/<"];^N-^BMY.O(:$TY_OX!4_FW_`##U-VE=M-*4ZE/NX#__
MT:KL2NP_*JL<DZ5IR^[QX!K<$R-+"V07"*E))W#G4?3^_@-5[I_>IDG9O%L:
M[4=DI,>=[C>\%RMF+8#'"8DP8HW>[BS:DY3/BR4O1@ZY)>+$$2$EGK;GEI4W
M'6A8()[D+%)P#W%9%C$X7AYVU6G`X3]YOTA^=>,HN#?;S%)KV97.Z27''[I<
M,R7+,V1(<6IQV2\YN)57@+5/;N<??P6P2)4>*\93,;IAQ+90MYHMQW%I#A*`
MI"7>:?CP#'=U\&S"QV%V-@E^MMCDWFUQY(GS;9(N+-NC.I*U1V8K,B,%ORR-
MN\%26T$G:I92.`7+"F,Y$RWQNXW:YK++=`?2XG+L*E1;S#FLT:4XF9:)J8=T
M)53>M+:'EE5/*5`5!SFF\>L%M>5CF"7=I-V=AOPG1@MTM,M('4(;6I4%I#S8
M*M"M22-ATK3@-*59QEUV:PNYX;.8M4P-7+'\A,VV.!BYL++KB$.QYCLRW72(
MA_\`EK;VN-J(\P"P`VF16FZP+6_9[S?%WF?'==CF:4!MHQD+4D.[*E*7%-H%
M=NE=10'@()<[VU8,5AVMK\G:W)DNIKM65S9+\L%P<]Z&WDHUU`2!X<`D_<7*
M>LX^GJU2"JI)!KI^WX<`DF>WZO62'""NHJ2"-*F@/U#@%E^<?\P;-RJ;:?;U
MOA2O+@/_TJ3L;OA94@%P`$5J3\!Y?W<!(>X_N0Q_LOB3]YEOL3\A>96WCN.(
M>`DW.?L5TG)"&R78UJ86-S[QH`GRI)<4A)"J3M[WZOC7N=[<]]^XUVEW>19^
MYN(Y-DLHIZJV[!;;U!-S@VZ**HCQHEA0XS%8;`2VA"4IT'`=,7]07V\R>X.#
MX_WMQ:$W<;KV]MK&.YX_;4I7.DX6MY+V&Y@TMGSS(%B<EJCR5CJ%N.\RYHTV
MXI((7V5[Z/8LFPXY>Y"8S5OO"77UNI*FDI6INI-%)'IU%NAH:)--!3@+;,3[
M[6+/9R4_-HDV*IEN`T&G2I"8YHRAL-N*51*"`#\=U*G@#;B]EL%GN"Y5ENMW
M:>D20\EB$A+T=*CM62VEQP);054JGE^[@#S,,QZ'%MUWR>="6XTVMLSXRVPM
MI2"L);E!YQE6])`U":Z4Y5X"%SLCBV5H"-+2^;+)1+W)=VJ)#+T92D^<>=:7
MQX?8>``]^RY<QYP37&T,M*4MU!<45O[B7$QED_S$KJ.I4J\@VD><$@M_<#-B
MZIX=?<2%_P`1.@KX:#7PX!-<UR0+ZU5@ZDFOAJ".=>5.`4K,;YOZSA5_:":G
MXE1&G/P^[@%V^;'YSOWBO4K77GOK7G7EP'__T^3W)O<%DDF,Y#Q)L6=DH4CY
MF4-2K@LT6FK1<2N)#24G0I2XXDBH6#P"RW$7:[RG[E<Y,VXS)3KCDB7,??ER
M7EUV[WI#JG'75T_B))IP&G7&=0I*%)/B/,-O/3]E.`[+OZ/ON-@=^O;UC>(7
MQ^-/S[LS`A=L,SMTY*9*;]AIC2X.'7&:Q*+OK&9^,1?0/ES>'GX+RE?BIP&#
MWH?TH+M8EW;NQ[;H$Z\8U("[E?.V$=$B7?\`'"O<X](Q)0+DJ^V="U5$,DS&
M$"C9?20EL*B\;&=X7=1+M1DLRHDBKK#:G$JE=)S\QIQ*BAWK)6"-HVN)6G["
M%A_9?WG_`*?C/L9M:;C'D-E;29#%MES6BLIZ8&Z'&4ZPNIY*!`H*5X!I[C[O
M+;EMF4M4"3(8;2H0_4P9,!U"'$A*2I^6VRA+.W:0`DD*_!6IJ`<[UVSW"X_[
M..^?O=L]Q@6/`^WKF-V+#F;Q;TR6\LRG)L_Q#"7V;/']2Q+?A8VC)P_)F*/I
MO4MMQFTK4I[H!SQX%[\N_-@O4A679=*R^+/GR9<EO(0AQ+;TIQ2W6XS[`COV
MZ.E:ORVVB([1_P!72O`/!C_N[Q/-V6V;DIS'KHXG6-<7T.17%&H`C7-*&V5U
M^#B6E?`'@/!DF7MSTJ<:=!;4"H+WU"@0#4$520:<`NN6WW>EQM*P17<:$'P5
MS(Y:_LX`'_,S\RKN\:TKI7=P'__4XY6K>TW;U)4G;MW+WT'X45">9%`1]/`?
MW&MQ^71MZ4ET,`N@(-=P2"[4)7J2H\_HX#5S+.AQ^)1/XEE2M#5`2D\P2H4J
M:^'+@'@_IU]_G_;)[F,.SB9.=AX1D+R,0[@M!=&58O=Y#'2NSZ%-NJ2<<NK<
M>X[DIZJFF7&4D!U50^G)[>L$QKNY@EGN4-R.[*<C-!90I)WIZ:2E04E5%(4-
M?$<`M_NO_HC=JO<:S=,JQA43MIW8=2N2C)H$0?*<AFI0>DWEMI:4AN>75A(,
MUKISFPE-7%H3TR'+)[EO9#WH]N.?LX!G>,/V?+V74*M[490D1,IMJ92HS-XQ
MZ5TT"]6J2XT4MO-@J2?RW$H<2I"0LK]B'](KNIWWRJ)<.\^-YCVV[96-N%=\
MEN&0V6?9[OD#3R(L^)C6+PKFW&==F7:&\E3DQ*%L16#O-7%-MJ!H?\R58L8[
M#?TGG^W&,VB#C-CRWNOV5[6XIC=O'1C6VT6.^R.X:8S`(+CSRA@RW7W5DN.N
ME2U$G@/G-Y;C*PV+G%;67`C^],I!)4$A(+J0#4D;O-3P%?CP&/#[X6E-VV<X
M4QUD"+)5M26UUH&'%D!6TJH$D\CIR(H#"6J]W:V1PU'FO>D62/2K45L!2J5*
M&U52VH^)2$D^)X#'=KO*=94L`_2@`JUUW'Q--?'@!UZQWU6_8O=3=3S<OC\-
MO`?_U>0&:V/1O1TMJ)<2XA8%`5)=*DK"-U$I44G34"IY@<!Z8;\)Y199>6'@
MGJ+96CI2&E$!+NY"P:H4DU"A4`C0\!F,`.)4V?$GJK)/Y;)_U82I(2I3X\M*
M?A)^@\!Z+<IJ'-;<=2DLN$)"1I12J@[J@:#P&@'+0<!]`_\`H5>[2^9S[4\6
MFMOJNN0]G+E&[<9RRJ0Y(DS+;#B-KQ6\R`XKJ*>EV`H:6Z35UZ.XHDDG@.J7
M#\OM>96>+=;<X*/--K=941O96I(*D$5KHJO`<\WNZ_J"SNYGN/5@_M^RZW,Q
M.SL_),7BW^-;+1<Y[F:PG5Q<GOEEN"V[@^S;&$0E16I##D=QV.TZXRAP+"T@
MR7L=]].:3.YEN[']_;TW=YG<OYG>.WV8ST,P9B,FC,,/R\+F-1F&[<_%NL9A
M]Z&Z%-+;G-&.E#J9#71"K?\`S:$F]9+[3>QK=L8<<QC'?<99E7J4T26QD$GM
MUW&=LR'$_@*$6V)/%3^%2T_VN`X0%,I<#0(!)!`24I)4GQ(W#D0=1X\!!W<,
M@-7IAY/Y<-UQ3[D=?)MX44&V]0D,NUY&M*?50)ZDH:JTCD`2E-1JD'E1)U%!
M4`_V1P&,NDJJLB@H!4"E4IJ!R%#M!I]_`8NG'W]7T[.^M=^Y/Q_%MV<ZZ_"O
M`?_6Y"%4Z:_P_P`7+=_H<_"E?V<!'KEL_*W>AIU]?5=?JTVKKZ/I>;U-/P4U
MKRUX";6+_AS5/5?R6O\`B%>I3H(_VFO^MK^+QI]G`>253K'E3J+_`).[93?]
M/FI_:\:\!UR_Y8CU7ZD]T_\`UC\O_1&$>I]5\G_PNZ_S2]>C^??_`&;]5;.M
M\O\`2?W;T_J?4^;TW`=CF#;_`-(9?T?U?_T]?MOZ`]/\YW?*9M/TSZ_7Y]7_
M`&+=Y?4[*\!PC>WST?\`C/VO])ZO=\S3U/\`#WY[^I:?/8NW]2_._P`K9TM_
M1Z6OJ.GN_,Z7`7`YWO\`^[3V==3YSZC_`!:PGI=3H?JOJ_KC#MWR;TO^Z_4=
M;^1UOR=W3I^57@&)_P`QMT?_`,P[YO\`D74_[B.WO3^<>N^>]7Y'F]?E/0_N
MOSKH[NIU/R?EOJ*?F[.`^>T*[(WXOY:J\MWX?ITY\J?NX#+)IN37I\S_`#]]
M?P-\MOT<_I^G@/%X_P`/XA79^#F*=.NNWX4^W@/QY#GS1RKL_&GE77;\>`_:
04_\`=U:;O_C_`/5MX#__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>60
<FILENAME>g655868helms1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868helms1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0I<4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````:@```%`````&`&@`90!L
M`&T`<P`Q`````0`````````````````````````!``````````````!0````
M:@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!\`````!````4````&H`
M``#P``!C8```!Z0`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!J`%`#`2(``A$!`Q$!_]T`!``%_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#FFM1&L3L:C-8DI@&(=V5C4';8\!W[HDG\$V=F"AIKKUM(U/[L_P#?
MED>JX`M(W.<9+C)*2G5^W4'B2/'0*0RJY$M(![\K+KM>#';XJY2YKRV8([@_
MWRDIN#:X2TR/)0<Q/LK#0YFFL`A!LR_2?+_=63$^$I*4]J!8U7'MD2.ZKO:D
MI__0Q6-4[7"FA]Q$[&ET>,*=;$#K;7-Z8^.[F@_"924Y5-=EKG6O&YSS)TTU
MU4QAO#_TFI[-'"L]/>VJ@W6#WN]M8YU[O12Z7PWGNDIJ?8BX_0:1.FG=3?0]
M@_1@@^$Z+<P:&N`D<]UJU]*QK(+FZGN$E/(XX)!%@!GL=2IY%=EU)::P`-08
M@A=B>AX,26F?$:*OD]-JKJ<*IW0=I.NO9)3R]%&170!?K.C'>2':V%K9<.Z?
M38!`W`P/$G59US4E/__1I4LE!^L`#.E.G27-_`RKN,R86=U]GK6FGLRK@\29
M*2G&HNL<\`B&M$`+3PF!SR2L_$HGZ,R#K*T,.P5626[B/S0DIZ'!KVGX+:I:
MTP5A8>92Z`X^F9@@A;>+;4*Y!24F<W359V29DC@+1=8TMT5+,`;4Y\C5)3S^
M<Y@KKH;P+"?^D?[E1N:K;1ZV1;H"UCB1\8"%D,B4E/\`_])L4<+-ZX",I^GM
M#0YWPV_[%IXAX5?ZRTV?9V7L:2W:6/('&OMW?YR2G'Z6T&]K'"=VI^:U+^DW
M59`MQB`")$B5DX%GIW[^X&BZSII-U8W:SV*2FI7A9C\4V9;:O4#O;M&TQ'[V
MB/TGU;&.]0P&<#R5CJ#L;&J`>[4GVLY/R:JW3[=S;'UR`>Q24@ZE?EU/]S'[
M`0)83/N1&,9:PEGJ>I6/>+1!'W%['+;I:VVH/$%T1XJKEAE53QP]P@^"2G+Q
M,8LKM>X1ZCI'PA5<ID2M2ENW"KGDME9N61JDI__3#BV1"M]1RJ&]-MIL=#\A
MCF4MY+GQN;_FQN<L89=>/6;;';6,$DJGT;(_;?6+WWN+&,I=70!^8U_Z)UG]
M?WI*18##;8`.ZZ;!-V.T!W'8KF\7?A9YJN&TL>6N\)!U72XF5590_=!DP$E-
M//K=DY#KZ'[K&:$S,$*STUO4**[&6L8X.&CIT$_R4QP*C<'MK+?!]?M/]K;]
M)7O2_1@%[S&FH$Q]R2EL>VW#N]8O#JG`"QHT@C\]/U#)%PW,U\$U=%3+!:=Q
MD>YI)C3R0K'LD1P$E+W/%=3:_P!QH;]PA8^5;)*LY5\RLO(MY24__]3S[+SK
M\J&OT8W4,'"-T+/&!U2F]YBHG9=_4=[7'^Q]-5]@VA1->I24^B]7Z$[J%7VG
M%@Y3`-S?WVCZ,'_2+G*[\O%<:W2TM,.8X001V*Z;Z@=1&9BC#N=^EQX8/$L_
MP9_[XNFZK]3L?J3=Q'IW_FVM&OP?^^DIXW`ZM5;M98=I6H<S'#/8^".\Z+)Z
MM]6L_I;]F35(/T+`):X(G1.A9G4K6TX[-@.KWQ`:WNYQ24K.ZL:,>W)=6Y]-
M4!S@-)=]!O\`:63C_6:C(&UX])W>=1_G+J?\8>!1TGZJXV%2/:_)8"3RXAEC
MWV/_`,U>6O:ZMTCCLDIZVW):\;@00>"%1NLE96/>\#V.(\6]D=U[G#5)3__5
MX`%IT!2VJ#^.W^O@C#Z*2G5^JW4?V?U>BPG;6YPKM\-KC&[^P[WKV[`RRX>E
M;H\<'Q7SY7])>ZX']&Q?I?S3/I_SGT1_.?RTE(?K7UC&H;7TXBNRZV+"VQK7
M@-!]IV6!S=SG-0>C]=NJR:\;,V^E>1726M:P-=^8V&!OL>N7^N'_`(H;_A3S
M]/Z+?H*UF?0P_P#C6\?2_L?]]24O_C<+WX>"1_-,N=N/\HM]O_1WKS-S`X$'
MNO4O\:'_`(GJ./Z6.>?YNU>7]TE(ZJPPDSKV1)3%))3_`/_9.$))300A````
M``!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````
M$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X
M0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("
M`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`&H`4`,!
M$0`"$0$#$0'_W0`$``K_Q`")```"`P`#``,````````````'"`8)"@,$!0$"
M"P$!`````````````````````!```@(!`@0#!`0)"`@'`````0(#!`41!@`A
M$@<Q$PA!(C(446$S%7%2(R0T-18V"8&1L4)B8S<*H<'A0U-49#F#)687=Q@X
M$0$`````````````````````_]H`#`,!``(1`Q$`/P"C['TI'*ZAO`$?S?T:
M_P`_`3BCB6(74$D:$?1[>7LUX"75,.YT`#>P\M?Y3X>W@(5NSNEVT[?VSC=T
M;IJ5,HBQ&3&U(;F3O0><`8A:AQ]:Q\H9$]Y1,8RR^\.6AX#PO_?#8\Q1J<67
ML0R('$TJT:8YMH0(IKOG,`A#=0730\M3R(>C#W-P4DM=K.-R=6A;8I'?!BMH
MCKY2D35D\NV"&E`.B'GR'42!P$YBCHY:M\UC;<-Z#0=3UY0_E$@CIF3E+`^G
M]5PI^K@(WD\/J&Y'7GR\!S)]OT\`.,K0="X(;0Z].H/+74>WV:\`+\[2<*6`
M&NIY\QR`\/9P'__0I^Q.,ZNC5===-.6FGAIH=3KP!)Q>&)"GRQ]0(ZA^'PY\
M_P#1P`:[Y]WH>WU*?;&W!'8W=<K*L]H311P[;6X`M=Y7DCDA.5G1PT,3<XU9
M96#`JK!7G)N:Y2BNT9L:^2R&4M6+-S+W6NY&])9:RTSO`UB6$1,9&ZWF(9W;
M7E[Q'`2/;VZLK5M)2$U:2#R?.95OGW2DA4RH)H)`91$NO6A<!AJS$D@@R.S\
MEC<O-C#;-2Q7BFBDGQ^3GBK/!8A4JJULA%D9+M1K`Z`IZ@97Z05#:C@#D^&V
M_6QL.3PDORNEQZ-&YC)(W'YO')-#!\P'1KODS5Q7BBZXVYA%C4DH`&FXN[G[
M*9>2?-0V,CM.QDJ^*>]!55'P<UJU95)GNBI6CR5188RPYF5HTUU#!@0(V9QL
M<T/G1%)(IHA+'*A#))%(H>.2,\PR/&001X@Z\`'\Y1/3*A!U&OMZ>7/F"``-
M3P'_T:P<'C"[(2O+W?9S'A_(.7`3#<F0BV1LG=&\IZZVH]MX#)9D57D6NEN:
ME4DFKU#.QTB^;LA(M>?-^7/EP%:6S,%G=XWLMN_/TY<KF=R6K&4G6&H]6JMC
M(.+C5:M2S,]:Q4D658UDD1V8OU%R`G`>U5[0YJME7&X?-M7#*T=+#TYV3$B6
M-8IY7L2UHZ\-RE2A?5AJJ=3%2W@.`D@[-V[UL*VV<+;I17&2`_*0Q68+2,@,
MWG5VJVY74J-6/6=/'4^\0E.7V/EL'#IMNG;KRQS66-9;CPX^:&5.F>)WF_/(
M[1LUDZ74QZ`=(+(P0A(-@QS3U9XMQ5*T[VI1^;V`+]R!JT4#P"FUFE8E-21P
M=87>:%8VT6(L`P"2]P]N9[?6SK&,GVICJU&DWS&.N18L5+N/KQ0F!?FU^>>>
M"O65WE5T95CET"Q!M$(>KLC8O<';FQ*$6_C);6:RU?`Y6>;YB6S26I)/%$U@
MJ'F0)7D!9PKI)TIHP8-P$(W-CC%UOT:#GJ=!S\>6I^@\!__20O;N*U:/I7\7
MG]7+^C@!EZV,;=QWIGW`U177[PW%L['VNF)IE>FV;K7)(YHBDB/#(U)5965E
M*G0@G@`GV"S&-VML.;>>Y*[/G,VL>`V53GBN6K#9!O,^\-P-3DFDBBKT8HF6
M%A&#\QJP;10W`3.3(_-YB*MBX81,&)G?RU20Q&RD<K!%+K&[$^\?!CXG4]0!
M^NR>QJ60IUQ;IH$L2"9IS"'D"JR=0C41Z^\="V@U8\B.?`/WM_TL]NMQF"Y?
MQKFQ9AAB,]5:JAHVC5"\D$U2174QL0=>K4#7QX`BVO0YV,DA$MO$W8[JF./[
MPI65J3M'%#\LC%XH@[/[G6222QY'4$C@!!W,].&U]M;6SU+:?S3YA\/;CQ%C
M*V)<A-'<@0MCSYEEI5B02A??720KR9B#P%>_=QH[WI\[8[@@HSPPR[CP5J:K
M6FUL5LKD+U:&]%%35[0>M)0LR57C+LT+`LK*'`4$VW9C`$F`'@&(]NGQ:`GQ
MUX#_TUBV;A1*\6J^Q3R!TU)U\?#0Z<`//7]4JX7TKY9[+^2EO=6TE<:HLLD5
M7(#(,H:0,(D:6J@=^DZ*V@()!`5,[%W;N'*Y?'035(*F,QV.@JT:DODK-$$@
MC)F$<2S)54R.&5-79>;,-20`>CLSAX<KG+$EF3S94,`&FG4K)(#*Q5=4,BR:
M#EH0WU`<!<=V2P*XZ:'56D%9*Z*'166%#&H#(&1A&H+GX06(/B>7`69;,Q>.
MNO!81'94@4L1)H8]0NB>6A4H002"`NO,^)TX"<Y&D(XYO-Z@B([^ZG+I!^/H
M'47.GNZ<]=/#GP"9]R)_G!9F@,J4H9U<R$NCM')&`%U/5)T2\P.8*KR&A`("
MJOO9?Q$."VAV^Q7E)#7[BW[P"!_F:YBW7DI)Z;([QQO7Z<>&C!YI':ZU!8(W
M`*QO+&*OFGH_''+Z#K["2#RX#__4'O;O#^::W4IY]&NFOCJ/;RTUX!,_7MA?
MVSW7DMEO*KU,%VNAZZ5DNM);F9ERN0EN(XBF6')QU*\3QOIR\I=1X'@*].U6
MQ#.TBT!8^8Q]JPMN/)`23/Y9!:.(PO-'U13:H6,C:E0PT##0&][-[BAVKN-Y
MK.)FR\\)3_RFC+$L]F0],DLKEP[&,=/XHU8:>/`6T=G^\6S+[48LCD9=KW),
MC#6FHY6G:6-U?\WCEJ68UL"Q564A>IM)%<:%%(;I"T?MCNK:L.!DGANP./)E
M\MTD,OF&&9HVZ7L!9I0KQ$'4:G4:<M#P!!R>X\?=QOY"5>I:Y65RRE?,3J:9
M1HS*RHO,@<PNNOT<`LW=Z&I0VIE\O'-6;YD0K-%UIUQ&37J;H?1O`:ZE1]'`
M4PXVH-[=Q-[J]>M<QNVMS93)UI3)^5KVGQN&*-&`P/EQVKP(/,E@==>>@0'?
MN&:)IP4^'K`Y'Q]X:ZC7P_#P'__5X>UM19&KZDZ>[X_0-#]8'AP"0>MZ&U3[
MJ;F9J$LF+K[6PV9R<B)+'*]']F!3AFK21@J\=7(T.B0N1HLKZ:E>0+#Z7Z5>
M[OK"8;(5TM)EW^8N&0GRU^:8-.XZ$<GJ<N`"`I!U9E7GP#[[Z]*&]-J[]I;Q
M[6V\-6KV::9&M]ZTYLLD%@32QR5ODZEVE+,*\C1O*BF25(&9D64KT$#UM_LW
MW?S_`&KM;C[Q8WM&^ZJ>9@@Q,>#P'[-Y>3&FA6>W;K9:*Q0KK6DL13=$<TS@
MK+&93%Y)-D"_Z3WW1NC$YU-P9*2K6VY#+\A4E54G6GU,\$=GI,'7:ZE$;,%4
M,1R4<`%_49O;NYM;*F.]MS=[[?@RV,Q0N;7NWX+[5]R1>;!-#6AI6J]F6&HW
M/J0*2G2KDZ`A+</A<3N_$6[>`?N8NY=L53#NBCW'Q(PUO&0>593I%FCE]P;<
MS*RSPLD<M2>701])\L`(`CG:?MK9P>#W_N"_2KUI-V;C2S0:,QS.<16QL#5)
M?.4EE:U\UU21G31UYZD=1`$=T,,L4EC1=!JXY\CSZSK].NNO`?_6^_:>92:X
MU'5H@U'/XOH&N@Y?@X`+_P`2;9F>?86V]_X/%V[>/&"R&T]SWZ5&U82A7?)4
MI\2,K9@@EAITK#9:VL;RE!UZ@$DJ.`K+[#[@;;>]8<Q&P$\%:.&J>1\EV!02
M+U<E*>9R\2NG+0C7@-"?IRGL[UP%-,E+7M13*C+4MLCDZ>+1M(WND<_AU(UX
M"8=_LGVZ[6[;QU?-9N..]D;DD>#P"6I;=JU9'3(T>.Q(E>31(VU=U0)'U`D@
M$<`#/3WNC[VH[KS^WWO0U+45IY:5J/4J\`T96U90L7D)(5;J)5R`0020%D.T
M,7C=X[8J[@@CQ=S*O2CIOYP^;@=($UKF>.&Q'-7N5694.NH*@!E8<^`!'=B+
M%;1VON6JL<E;/YBC)4F55TJM%#%,\.@"QQB)1KY>@7H8`<N?``S9]#[L[,[/
M6Q)))+:PT=\--H7\BROYGKS/N_))&03STTUY\`E'=JW"&L!=#SD&H/C\7M/T
M@\!__]<==K-PK$]8^9ITE!XZ:@:?3S`('`'OU%]SMBX[TW[_`-D[GS4%?/=U
M-H[FV?V[P*127,GN3>R8"]FL77ITH%>1:6*EQHN7[DA2K0JPM--(B@:A0GV(
MQ$V\=Q4*M9_RDVDL<BL>KIT3I]WF1H[:$#V<!>#V3M;N[;4*\&1"&&.4UZ=Z
M.4,C0LY2%Y%;WEU74J#IRTU(UX!=N_&V[O<WN'DM^[$W2<KNS;\L=::\UN*]
M+C+=*9FEJ5JLCRQ0UHK$K&2%1T%]=5+$G@#OZ:\?W\V#M_>>$W5M?:>3K9+%
M225,H]ZJE7&"]$M<3+C(8[EI9;$E@2!@.D`#I(U`X!B^WN[-S=E=WKO*7<%3
M)[0RV,HX_=>'HPRU:V%S>/DGB_:):UFU<F&/N5"L$S>\8Q!'(P"END.WZ@NY
M5?>\*W\1$)HI()?(:,^Z^H9V=0.9"0`G4`Z\O9IP$!WEFHML[5PFVDF5S@L!
MB\+U(2%=L9CX*3..7^\>#J\#X\!7#W0W.)I;+>86`+Z<]=3[WX/>UX#_T$)J
M=V]O]N]O9'=VZ,O!BL#@JC7<A<F8D)&F@C@@C'OV+EJ9EBAA0&2:9U1`68`@
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M*+R;4`G0$\QKP'2P6Q]JX'<$&Z;CYN:2W6DCR6,R&;R%G&RV:-1K%*T:-JT:
M=.R[1LLJQ1PQ."/<U&I""Y_,8EYJZ5!"M+'JDL<4:QB""O&Q9:HB'NK\P1T$
M``!0^GAIP"L=S]\F;YD";7J\S7W^7BP\0?;IP""]P=REA8_*#75N0)UUTU]O
M@>`__]''KW9[Y[[[MBM1S,L5#;V.L-:H8''JZ4Q8"F);=N9_RUZTD1959]%0
M,W0J]3:@2?0OWVA]._J@[9[^R]Q:.SK6679_<.659'@BV-NTQXG.Y"Q%#K+,
M-O&2+*(B@EI:*``^!#5WZNO0KD?4CMH=T>TL5&;N_MW&4URF,BGBK+W)P6,J
M!,/<QM\,*9W;0H(E>)Y'2.[51(VD#)'U!2]@]]]V.T63GVWD8\SBK&&RMFOE
M-OYNC8JVZ65JR=-RED*5R"*W0OUI*Y#QR*KJPT*\!9MV#]5NV]WG&X'<F2?#
M754I)%+8\GK9G`=$D9D$I))U4$L!S(X!\+?>385'#1K@]P"A>Q\):2R+BO2M
MQ]3:)8#2>4S!RH&JG4C\;@$O[X>K"SV_V!W`[IY/:&YL[L'9MG$T\GG,;4@%
M2;-Y^Q+5VYB8[D\D4-.QF+$$O0KD.88II%5DB<@*]^WG\3'8_<J+Y'/T)=B9
M.7[:*Y,+N*\^3J709*&..2"/3P::*.,#Q?77@)?N?N-CLQ6-^GDJUNO97S8+
M-:>*>&:-PS+)#+&SQRHZD$%201P"J[QW&)FF<N>E==#[-.?L_#[>`__2QM)A
MX_DZK21()##'YI*IJKL/>T]S74L2.`\2;!A+%C10454`770,\C:*H*]`ZO>'
MC[3P&V/^`'ZA8N^':['=D]\Y6*3>7:A*&T:DEB<?/9'9+1!-GY%U8A^K&UXG
MQCD=7NU(W<]4IX"\[U2_P>]@>J3'_>T]7]E^X25HX\5O_#U*IN6DKH%J4-R5
MW00[@QD8`"B4K8A74031`MJ&87U9?PU>^GI.S4N%[H;(ALP6?/GVQO/'U(,C
MM7=V/B=E=Z=I$_)7X%&LU2<)<J]2EE,3QNP3+T4^ACNYZG]V8;9';O;B8"I8
MC2UG]S38R2IA=KX"&0)?S>8O%`XCA?JC@A1C+9GTBCYDZ`\7^8:[%[%]'O\`
M"L[+=B]B5&CH;F]3^Q\==R%I47,[RR]3MYW'S^Y-XY_RR#+<R4V#J0HAZEK5
M(J\"^[$O`8+<QC+FVLI';J,R02/U5Y/>Z="VK5Y3RU!'UZD:'QY\`<]@;YS,
M%99,-D[--1(&N8UI9):IG(Z2[U9.J!Q(G)7Z>K0>((T`%:[OF]DX3\TJQR])
M#"$MY+$:^"LS.GX-3P'_T\A->6G8#UXIR)?+ZC'(/+G4.-2724=159?!EU',
M@$\!ROCE/OE?#^LRZ&68@QE_ZK!8@Q74Z:DG@+&/X6GJ'_\`KAZN^U&Z+>07
M'[;SF?H;%WV\M@UJB[9W/?IT_O6:4$>4FV<LM7(ESI[M5E)"NVH?J4]A>[-C
M)U5V=NR(U,SCU1:=MM/)R%9@OE2*P558LI!!'(@_1P"&_P`5KU>]MNWM+:/I
MJGJ]O]S;^WP<3ON]B-^[5VKOS"8/;&,REJ/%WWVUNS'9G#V,QD\IC9OEVDKL
MU>O6FEU0%7`#CT>>NK>>U>XNRNUG?"7:R[,[E7,5L+MUD=O;6VSLRAM;<"_,
M0[6Q%3'[5P^*QT^WMQ-(M2)>D"M8>(QGH:?0*J?\W#:R^?[0>E26C"S;/V]W
M?W3#E;:G6N^Z[FTT^Y8#JI'7'A!D2NA\"W+@,.5[$U<I#-3M1AXIH5#+TCS8
MM.2RQMS*NI]H_EU'`1[;6W8,--<E:<R6`1%$?@9H`58,ZDD%STC7Z-.`F)GU
MTZ"#UZ`G16][PUT52-0P_F/CP'__U,<>9_1F_1?&;[3])\7_`$#_`*O_`(?U
M\`1Z_P"KU^R^R;[7P^`?%_:_U<!\[;_6@^U^(?9?'XCP^K\;@/U>NQ/^'/83
M]X?\*^WG[T_XB?NOB_WO_P#4?_._W_5P&9?^,'_W!.Z_Q?HW8/\`2_W[_<;!
M?NO_`-!]']UP![[R?J7TY_\`RGM#]$_>K[&?]UO[S_D?_!X`I_YGW_M\=K/U
M5_\`KG#?I/ZW_P`*^[OV?]K\;^SY?`8.1]HGVGP)\'X/Z>`X)_A?X/#_`'7V
;WQ#X/J^CZM.`ZZ_"WP^*^/Q?U?'^U_LX#__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>61
<FILENAME>g655868hsieh.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868hsieh.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0SN4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!K````!@``````````````>P```&P````%`&@`<P!I
M`&4`:`````$``````````````````````````0``````````````;````'L`
M````````````````````````````````````````````.$))3001```````!
M`0`X0DE-!!0```````0````".$))300,``````I3`````0```&(```!P```!
M*```@8````HW`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@`<`!B`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`Y5H16M3-",UJ2E@Q$#%)K$'/SZ,"L;_=<_\`FZAR?Y3_`-UB2DP9H2=`
M.2>`A/R<2LP^Y@/QG_J5A7YF5FF;W-#6GVL:"&CY#Z2%ZKF0RL>T<[>X\TE.
MZ[J7308-[0?@[^Y%KMQ[@#5:RR>-KA/^;])<W#@=\$3S/@@/:R9'/W)*>L=7
MY(+FK$PNKY.,X-L<;:.[7ZD#_@W+H2`YH<W5KA(/D4E-1[57>%<>V%7M:DIK
M0DI1^5))3__0YVMJ.QJA6U6:VI*1Y%S,7&LR;!+:Q(;XDZ,9_:<N1MOMR;W7
M7'?;89)_(T?R&K=^M5VRC&QQ_A'.L>/)OM9_TG+G0Z#/*2FU4X-@\?Q2W!SN
M=H_.,1/W*OZCG&!SV*U>F_5[,SR"/8P\N*2FC9;4SZ)DC@QQ^55W.>XZS)7?
M8'U&P*B++B;'#4@G17,GH'3WMV^D!'!"2GS(A;'3^N;65T9+`*VC:+F\@>-C
M3_WU;/5_J[0W%L-0]S1H?@N2^B8(A)3U+V@C<W5IU!'!"JVMT3]'L]3IP$R:
MW%OP'TFA3M$$I*:<?E24X_*DDI__T<6IJN55RJ]35?QV20DIY3ZV_P#*E;)T
M90P?>Y[OXK%967O#1R3`76_6OI%V1=3DX@#[?3+;:N"0T^Q[?WG:[52^JW1J
M,USLJ\RVEVUM?\H?O)*;_0OJM4=MV1[@8(GO_P"8KL\3&HIKV5M@#A8F1UC"
MZ<_T;'38`/T;!)'];]U7^E]<Z3F`MJO:7_Z-QAP^])3IEH+9!B`JM@ANO)5I
MIKV@M.A$JIF96#0R;;6LC]X_>DIJY58(,:@]EYMU1C:\ZYC=`'<?%=Y^W.G7
M6"IEP#B?;NTG^J3[5ROUJP&TY%>97_VI):YOFU)3+ZNUG['>\\.L`']ENJM7
MM1.CX=F-TNMMOTK"ZT-_=#OS7?<GO;RDIH[?RI*4?E224__2RZ0M/&;PLVCD
M+5Q>R2DN54`*KBW<&$AP\H6!T7'OP'9(#22;O4]$P"6/&YCJS]'?_P!!ZZFZ
MO?AO($E@W1Y</_Z"R+0X9-0=$.:`7#O$QN_E)*8W6O\`6]3%Q39:^`&O`EL?
M2=;^;_53,/4+XMS^GUL<T[6$-:'MTGU6^D&?HELXV.[Z=<$F):[@D>V=/<U'
MOJ>*W%S:V::NDNC[]B2G,P^HVWX5ES,9SFTR"_>T?1Y+&/.]ZSGU#-H&97@M
MRGM:;`+0#)&GI,]3<WU/["V,;&97B.;69:)D]R2I=,QPVG8PL>&D@!Q((U^B
MU[0Y)3A.]=[:VWX+<=A`<(:#J#_-O#&L]-^W^0JV4Q^5GX(MJ+*ZG/<VLPYT
M!GTW[-S6^YU:ZO)Q7D:@,'!`)<2#_*.U9#:W'/+6_1+VEQC61/M;_P!_24QN
MJBL:1HLW(:MO+`U6/DQJDIS]O_5)*>G_`$DDE/\`_]/*H=PM3$>)"Q:7K1QK
M8A)3T>(X$00"#H0>"LWKV%CX7V-]&Z+7V!^YT@0*O3:W_.>BXV4UC2]S@UC`
M7/>XPT`?2<YRYY_7<CZQ=8O9B$_L_I^,^REAT+R+*669;F_O>_V_N8[$E/1X
M.9MK@\CE-E66V[7V?I&M.XT@@:?-5,2QEK:[!H7""/!S>0A95G4,6X/8VNS%
M<8>3N-E9/YQ9_A*OZB2FY7GXC<:YEC7U/=J&.;[I_-^CN:AX;[!D%]+#56]O
MN#XU=S.T%RL5%]N.VX9.$X!KG;'6%C@&\`UV#\]8[<WJ&7E>EB5,%4!S\EQ<
M&B?\'75&^QZ2G?NSF&L[H!'/D51Q*06',<[6QSBQGA^9N/\`94<EAWMK/N>8
M!\R-`B76-JK;4T^U@#?N24U<RP:K'R7\JWE722LO(LF4E(MWY4D#U/RI)*?_
MU.;JLA'?U''QANN?![-&KC_96%9U&R(J]GGR53>]SB23)/)*2G3ZIUS(SZOL
MS0:<:9+`=7Q]'U?Y+?\`1JY_B]RV8OULQ:[0#5FMLQ'AW!]1NZIO]NZNIBP.
M\=D[765V-MJ<66UN#ZWC0AS3N8X?VDE/I'6.E6]#SY9)P,D[J+/W7#Z5-G_"
M5_\`@E2LM:,FEKFGD:'0Z=VG]Y=-T3-POK9]7:LJQC;&7MVY5)TV7L]MVW]Q
M[7^^I_[BYSJ71\_ZOV%](.1T][O:_NT_NO\`W7_^!V?F)*:O[/S&C:PL+-8<
M9$3_`)R>N@X=9L>1H"2[@``3N0S]8^GM!;8\L<.:R#/W*UTAEG6<OU;:R,#'
M(<YKQ_.OYJH<W]S=^DL24\3UWZP9;,OT<2Q]%M3IML'M=NC2K7\UL^]-1];\
M@M#,ZH6G@VUPUQ_K5_0_S%F=>N.1USJ-Y,FS*M)/]HJB"DIZD=6PLD?H[0''
M\Q_M=_TE7O?I/BN?@%$KMMKT8X@?N\C[DE.CO25+[59^Z$DE/__5\WE,DERD
MI=I4T,:*8*2GMO\`%7]8#T[KIZ7<^,7J@VLGAN0P?H3_`->KW4_U_17L;ZZ[
M&ECVA[7"'-<)!'F"OF=MEM;VVTN++:W!];QH0YIWL</[07I'UK^LGUB^L'0,
M0]&J<W!R<<6=0=03ZCW_`$+\,?GUTM>U_P#X:^A_QJ4YWUPZY]6J>IBOHM9R
M6UG].]KOT,@QMQ+/>Y_Y^]_\S_HET?U0^M'2^JXXP\;'^PY&$T/MQB[>'-)]
MV35:=K[/=_/[_P";_P"+7F>.VF]@`C?H!_U(_P`Q;GU:Z2[&Q+_K"U[J[:'/
M&(`?8]C0^G)KN9^?7D.<ZO\`ZVDIY3+<'YF0\</NL</FYR$0G$1(X.HG7DRG
M24LWE2A1:(*FDI9)*$DE/__9`#A"24T$(0``````50````$!````#P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'``@``0`!
M`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!
M`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P/_P``1"`![`&P#`1$``A$!`Q$!_]T`!``._\0`
MA@```@("`P$!`0``````````"`D&!P0*`@,%"P`!`0$`````````````````
M````$``!`P,"!`,$!@@#!@<````!`@,$$04&(1(`,1,'02((4105"6%Q@3(C
M%I&AL4)2,R07\/&"X6(E)A@*P=%R0V.#&1$!`````````````````````/_:
M``P#`0`"$0,1`#\`01;XNU((^DZ^&M:C44/`2R%#+E!2@T-::5.H`KIIP$RA
M6PJ":BB2/"E:D4!\?'@)1%M9H#MH1RYDZZ']O`2!BTE1'DKI74`5&E-?J'`9
MC\.+`C.2ITB-!B-(W/29;S4=AI/+<X^\MMML:\R>`A<S/>V<!LN3<]Q"*@)=
M55[(+6W5+1_%*4F3N7TR/,`#0^'`>)#[J=HKE(3%@]R<'>D..);9:5D5L84Z
MXHJ2AM@2)#8?6JF@1N)X";.P&GFPZRMMYMRA2ZTI#J%@Z@H6A2D+"@-"#P$9
MG6G0G:.1!T-3H/H\>`@ERMI;K1!`'WA]!KK]5>`@5SA;@LA":4IR_P`<OT\!
M5UWBE*G`4TTJ!IRJ14#VZ:<!`/=1[_7;I3=7RTK6GLKSX#__T$76^+4(YT2=
M=/J'A0ZD<!/+;;B2@E)`T&G,Z#[3X<!/;?;"2E.T'VFGZ?M%33@)BS`CQ&'9
M4E;46+&:<D29$AQ+3#$=E"G'7WGG"EMEEMM)4I2B`D"I(X``^[7K;B0+C+QC
MM-:8E["'),%W,Y4Q#L)3P"V4N6"/':D-/!#@WI?>WH6V*I:.X+`!K=,GRF5.
M5D>7WJ\7665K6#.R5Y;[C;R2I26TNOOO-1D!)0D%M(0"$A*10`(9*S%R^)?C
M]=4=3BW&V'8UOCA]33RB&D27HR(\B4H+71*]M:*-:#0A&'HZ##>@2D!M3>UQ
MEQ[HMO!QS:D-K6I+DI\DI'D2I)&NE`1P'C6[+LSP*<F=BV87NRR&B//:[C+B
M,JW'<4O,^\+9DLFGF2XV17F.`./L1ZT+I>;K`P_NHU`E&;(1&B9BST+8ME2P
M$-L76$U'1">"G*`/-]$I).\*^\`8%<K:E;>Y*04J25(*0/,#J#[.`J^ZP>FI
M0H**.@H32@!\1IP%39##VE2DIY4J-NM:G72E:\!6?0/OU:&M*4I_O?76O`?_
MT4HV>$7-NE3H3XBE:^'U\!:-K@`[`$>`\*Z>TZ:$^%>`LRUVO5-$`Z>PD@^V
MO/@%7^N#U(2+G>9O97";A[OC]F>7&SFYP'74N7V[-*+3^-=9(:2FVVQU*D24
MI4L/OC8?*V0H`*QYI#SY4IY92VAL%331*5E96HQT-E)3(6XA!)6NB`=2E8W4
M"VY2H'PQA$MM49U:5E6R2_!;#Y*%,(+K(093CB4=0-)9?2A6J'$[J<!AVVTR
M9K!DH88CL1V:,EV/#0Y+;*"VIQ:KB7>JM2*G>4`G0^S@(_DMUA6YF4V"S<''
M``EJ3(E/QX04LK4B(S'7"BLZ"GE'MV@<P%(3)*I+BE--LMU)!"%.$BO*M'%F
MA.@KIP'FMO.1'VI(6"MAQMP(6KGL4E=4G2H\M:"O`.R[+>I[M?W(M>.XLY=)
M%FS/X?$A.0;TRB*Q=+BVTAIU-LGH==C/+?<!Z:%E#JB0D`J(!"X[];?*X0.7
M.GUZ'30'EP%-7Z)5MT%.M#IH-!45T^D\!3WN_P#Q#936M*Z?Q>VO`?_23_8H
M6[::#PI]7TUTYG@+?LMMJ4`IYTKH"?KY::\!E]U<J;[6=H\^[AK""[B^,SIL
M!+NP-NW9\(@V5A74(04R;Q*8;(-:[N1Y<!K(W&ZOW:6],G277Y<MUU^5(4I;
MJENO.*4JG6*EDJ6O51*E&I)))54)'$O$.+'0K\'KI0IE#KA2DQ05=-4GHG:T
MN2$CRJI6HW+*]$\!^;O,BZ*3&BH,P[R@K=ZSX?05T1UU+3U%!2E>&TBH&FE`
MOWMOZ<._?>-V/%PG%93[:EH8C2'650XZ2M0`2P$,+=!&T%Q?,#5:A4U!F79;
MY+G<F\(5>>ZUP9AQDE.V-&<=J[N2VLHY+WBJMH5N`)-:4\W`>]W"^3HWCSKC
MV.W-V1&Z:UI;=<4X-RG4(Z3BVP>B4))*?.X5ZUI05!>?J7]$N0]GL9>R()6[
M'CRFV939;6'&F74(/523';'3:6:;R1NKJ!IP`26AIJVE'0==9=;4*/H<5'D,
MK61M=2Z@@H"3N`6-4[J**D%20#I/3?E\WN-VBA3[[(>N%WLLN98)MPD>:1/,
M$,NQI;ZC52GUQ92$J))4I2222220R<EA!MUP`';K3]?T&O\`MX"F/=D_&]M#
MSK]-:?LKX\!__]-5V/0OY=4TH$Z?8GPY>'`7A8+6IU30VUK3PK7]E3P`I_,P
MNK^+>F*+:6`L*S;/L=LDO:0$F';H=TR925#<%K`G62.H4!%0*GVAKR/!]`2I
M`519W`J("W!RW)``%.?Z^`FN&=O<ISNXH@X_:9,O84KD.M(6IF*VHA/5D.BH
M2*Z`5WJK0:G@'Y>B/Y6UYO<BVY)GL0M0@IB0EE;6XA!*%'>V%]/<X#M2%[P@
M'<I/*@;+/:7TV8?VP@0(5EM42,VAE)2EAAI)2$[%H4=B5N+"W$E:@H@FA()\
M0MF]J$2W)8$'959900*)VD!&X_AFI3N.GC[1P%)Y!:VW31I@)4ZM0^ZA6T5*
M5FJ%%(#@"JZU%.7AP``^J;M%;>X&"9'C]P;1U7+?.:9D%I"EE\,N+84I-4I*
MBE.VI54UT/`:<?<3'7<2RV[V91`<M\V1'64@)!2AQ;.U::K24K0*%/A7V5/`
M,$^7Y<[E<;-W.LKBE.VRVN8U/CDC1F3<$WJ.\.5:OL6QOGXM$TU/`%CE\"@4
MK4$5\-=-"/;[.`H[W8?&-^M.ERH*4W^WE]E.`__46UC<0J#0H`-`=.>@Y>W0
M<`1V(6K>ID[*CR_13_(?KX`*/FT8?>G.P?;F^18J5V2R]P5)O$E+3SCL*1<[
M'-C6IYX(;+#,%TM/(6XHA764RE(.X\!KU1;;+N5P98A,O39*W&HD5EI!6](6
MK\)M#+"*J)TV@"HKXDFI#92^73Z4I.'XE;\G[DXXQ`G31%N,*!<82TR&G-[;
MT5Z4EU%&E-+4%=-2%'>E-2`.`?SA4R)`CPH,-M+;*0RD!E73`)2KI;B$^8+%
M=U*Z5`YC@"2<9N#;41]F(XX-[9W[U+HFA/4V!M!YIT3^\/&G`<+V';E!CH3#
M02U)&B0HN%2E`IW.*2D);&\J-=P--:5IP%*9;"FP9`?4V4H:+I:KM4`0HT(2
MAP+`'5VT`U'VT`9NZ#4>YV^7&*FP9$&4E7X?G;<2RYTO*5*\XUUUY?I#2R]6
M^)W["^^V<6R^PI$5F3='9UJ?6FC$N*Z3TGF7-I:=3NW)61YMU=!6G`'M\NBP
MQ!VJ[@WAO6?-S./;I:*$[8ULLK$F$>H:E25N7=^GL`\:\`368P/*^"DC19I2
MG/3GP`\^ZCXI]'W:ZUYTY\!__]5?N+Q0I32::D@^&IT&M34\^`+/!;6%^[G9
MSV^%":&IJ3J*<!/O4!VXMV=]D+]BUZL]NN]ANLNSIO,*Y,O.MNPH\YJ4%QEL
M/QWHTIN3';4V\E?X2AN(6FJ2""<=]/6+>G+U_=N,.>B*.)7VS_F2UL7YQB6J
M!(GVZ6Y"_&2%)]W]]0V&%N*"BI837=IP#]^Z]TS&U]M'IO;JW6MR_+0W$B.W
M54ENW0V7'D1^N4QF''%K;;*"$':*+T42*$!EPC&_7A:9?YN8[P]EFY;ZVY<C
M&\[R->-1I#&]*D(B078TJ0VEQM!;2I/W5D4\I)`,I[&^H[O)=56RT=W,'M^,
M7=KII^(6*]1KY8[XTU'6E4N#)BL.1$LNE-4!+FX)`W;:BH$AEG=<XS;'[J[$
M<WI0IR.E%"IY;Y92C8@)\]-Y)JE.@J.`5IWC]4/JDRN^2\9[?=G[78+9T%&/
MEN99=BME9#$A[IK<BQKY=;3*==/3*P4LNI*5Z>9)`"@HV2>JW$\C@1^X#>%Y
M+8[P^II7PN:\U=[<)+*WFWX4IN3<[?<&%-L[DI6E&\`],CS``!GS(>U_]S,R
M].^,XU$B)RO*9F06Z1,/3*T1VH2+L^F3M55P-QV%**2/#2O`%YVB[(6WLUV<
MQC#K?'9$B-'=E7:X(9Z3UXN<E:EOSY&X!Q1*$H;;!/E9;0D4I3@*ZS:`4=0T
M`!*AR.M>=2/9P`V>XGX_MII7?3:JFW=3GP'_U@.Q-(*V@%<SX`>-/`FNO`&E
MVZBA9C@UIY0-*>(IX<`80QYF[X1DD)T+V.6&X.T:2''%&+&<E(;2D@U+G2VT
M`-0=.`5MW9['IE]T,8[OS92;JO!;VG!9D2;;X:4_ERXVFX0);DA;3"674.W*
MY,-K9=2>IO*AY4A)"V\>L&7BR+L=HRB;<L.D7*(Q'QF\M1Y*;1.D.ENRMQ\@
M"HMY?MS5[>C(0P\^Z%HHVHE)H`Q7/E[9IG:XF17OO5W"MUT<NCT^[LV:(XAB
M;;I#C295BM;$6#(AVU*66_Z2:7'948D[@NHVA_.\O;#N3VF@V5G#\GN<:5<\
MQMT6R&YL)=GV:+<'TMF*W-D3%S+I%;8!04.M+>*-RE)4!U&@L?U*V_/,9P'!
M+OCO<W-<AFJO&/,9/:\J3C0MLF(XX.NF$JR6>RS+<R]T^FLO25;6UJ\Z5;5@
M,3.O2/E'<?&/?+)W7S+"LH7?(\Y&0X_'<@6A5E7;)L&;8WK=;9J&I`<,M,AF
M2IQ+X>921Y?+P%9WCTRY=@]XN$N!G5RO;,AJ'\)E92M^\W>QW,%NVP7K7<I3
M"9EP#DZ0E;Z)2_=P%+2I/246P`\6_LY=[CWJPW)';Q=,E7A%VNS=PR+)/A:7
MC>+O8Y5FQ^R0+99X]FM]N@):=N3@Z;)4I39+JW*H``SLPQ?X;:(\)S:7(\=#
M;I2`E'4+=7`A-:I2%DA(]G/@`BSVW!'7&WENT^HCV5/+@!@]V'YBK0?RZU_U
MTI6GMX#_UP-Q%P=1HU\4D\OH)KX>/`&_VS6DF-7G0*I[-4D<N`85VR9;D=)M
M:4+;6G:M!U2M*AM4A230$$&A'``/WSPM6.)SNP&5(;N%LG,LL[FNB;G8K4\W
M<8,J>E;?-R!#:DLN!1)U0"H*'`3STZLVV]V.W0Y4=I];T1MB6E:0M#KJT(HW
MTUH*%I6G<#N.V@-?H!A5A[:"VQ''(V4Y%:8+72";?'F6U]II"$C5M5RMD]4=
M&])%`YM2-.`%ON9(PT9%$BI?G9)-L:R^]<'9,J[-VE:=KJDNR'$-0$37$+31
MN*T*().ZBB"&/WLL5AAXK:7[HP],AFWLW!Z.I@N.2(XVO.MHBNI<#X4V@U22
M`JE#S%0N;L[%QW)L4MDO&LFR&`P&1&;9M\VUW6`V&4`%@Q+Y9KC/M3R`:%HK
M`0=`*&O`8W<;MS!AM&Y394V[W)E+[3-PN$AIY349TU<0RVTRS&CG2AZ32-W+
MEP"W,0Q%J]=X%SNFA,,9,M*8J'W&V4R+3"=N,Z4^RV4MOK1&;#<<'0*?63X`
MA:W=`,H$G4'5>H^I6FO,\`O/N(^T%2:?_)334@@5TJ!6G`"A[RC\Q;-*].M*
MZ5ZWLI6M.`__T%W8C/%6=?WAXZGEI2E=>`-'MM=PE48U!(V5%2!0$#6OU<^`
M8KVNO2-T<[@`0/J`/@>7`$'W=PG"LT[(]W[O<\5QZ[9=;^S7<IO&;U<;7$E3
M[7=$X5?U6>1'?>;44NV^X.)=CJ54L.^=!2K7@$Z>GS+9EF;BSRAU49N2B'+0
ME?E:>0MXLK6T0*-E31&X<J>S@#\F]P7LEC1K>]=7+=;E*`F+0H$/I4I+H98J
MBI=<"05&E4IU]G`4-=96:X\].;PW';!F5NOEP<N,LRI4ZVWIK>R=Z6%MQ9<6
M71#8`0KIFIT41R#UNXG>R[Y3`Q*T6GM;>6[M`C+;N"LB_P"$0&(ZHZ65177$
MHG./E+FU:7$ME)2DFIX#I[*KR;&UWVXO7*!"GSKJ+LQ9[<\KW1HF.Q$<A>\.
M-10"ZB,""$)\Y!(%3P%A=RN^;$BP/MNK5[PEIYEN,6B'D2V0EIQAQ*J.)D)<
M!!!`I[*<!`>V>(V+',)M6;R6Y+N4Y1$FWJ6]+="FH2;F\]T!!92A!8#UK0S4
MJ4M?F4!0&G`4%W4R9!,DI6G0K-"=34'2@]IY\`OCN!>]_7\X`.\G4:"@)H:<
M`*?Q;_F#J;M*[*:<NI3]'`?_T578E=D_A$KH:)KK[*?373@"MP7(TL*9JY35
M-?-RU&NI_;P!V]M<V::Z"2]J`"-4T'VD@_[>`6)\V;YG;UMQ*X^DCL?D:A?;
M^I,/O5E]FFJ'PBSL.MO+[=6Z;#='_$+JZV$7O:K:U%"X*PHO2$-`6&/8[<^T
M'<[+^SF:@M2W@M-KEELL1+E*A(;E1YD7JI24M7NWR&Y;`.JD/T'*H`C+ICUP
MRC"GT8[=V;)<54>A79VW_$G+7/0RIIM]^W-.QES6P6TAQOJMJ4@*\R:52`_=
MHLZ[U6',&<&[U9WA6$W*/=H<:V9?;\/NETPR^V:3.99:O;=P3.=F6,M05%;C
M,U(`=HA*S0JX`GN]N0M]M<.FWNU]]>QF<Q[CD9Q_W+#&+U>LC<B.F0IN]NX_
M;US%08BI`&]TE+*$U5U0-"`6^GY_U)=Y,L?R+(V\<[?=NX5S>%CML6/.FY3E
M4)JC9NEV2_)]SQJW;5GR)$A]Q8I5%%4`C<@MK%_S!./Q9"'7%OO-N/(_]DR4
M-L/R]QJ%.0+7'=?5]T[U)2-5#@)GW$RV-#BBWPU!F'"C-PXS"5`):8C-!IAM
M(KH&T(`&GAP``=Q<I+SCPZM4@JKJ-=/\#@`DSV_$]9(605U`K0BGFT!^P\`,
MGQ?_`)@VU.W;3Z=W5YTYTV_1_P"?`?_22=CE\Z*FZN4\0:^P>7V::<!=L?N7
M8<5M_P`5O]ZA6B`U3=(F/H:2I203L:027'WE4-$-A2SX#@!E[R?,8O#5DO&'
M]E1,M\B;",%[N"^X8UP@(?+8>7CD$)+D26N/O0B4\I+S!6%MH0X$+2">KM[P
M9XEONNR%R'.JX\^M3CBW%KW.%;B_,M2B34GGX\!]"S/^P<OUW^@3TU^LWL]#
M$CO!;>R.#Y5D]JM"6U2\F;LU@8CYS`@K121,R3!LDMT]#+`479<1#K"4K>1'
M;4`<>GCN(Y>Y*K+.DF/='VREZ"\-!,8VB0V$N$A3,ICSMJUHH$>)X"Y,X[.7
M;(WHD_'WH[4B.\F=;V9K#P2TZ%]8(CW**L2H@ZZ:EM0=8+B0HH)(("N+IV9[
MQ7V&S;;Y#M42WLRFUN/JN;\R3<-D>1#2F1'-OB*>!2Z7`G<FCB034520]7(I
M3_9G!;I^&EJ6F%$::D;FOZF5*4J/'MK3,=27$(C$A124I24\J\!K%>HKYB7=
M5/=IM[L;GUUQFU8L].CR+W;2GI9=='I#9G*N,*8T]#N=B9<BH2TP^TMEY22X
MI*@&BD+9P7YLEYN\*-:^]6'^\S=K;+^6X:I#(D:J"I4[');H92ZH$%1C/H36
MNUI.@X"WV_4KVK[CL!S&,TM,F2\"H6R>X;5=@I)%4?#KFF-)=*".;:5I]AX"
MHLPO@<#KI7H`::@Z5)!'.IT_1P`Z_%C\8ZFX5WUIKSW5Y5KR\.`__]/5SO7J
M#9MD=4?'HJ94C8`)LP*0PA1'-J*G:M92.14I('B#P`VY3G^095.=GWJ?(FON
M)*1O(0VV@;B&8S2`&V&4_P`"*)U^L\!$&WUI98!/\YUQQ52J@;"E)2"34UVM
M@_;P'.9%#K-?8=R0*_7M2:JYU.HX#>%_[4?UI6[(,9[B^A#-K^Q$R7&9<SNU
MV)B3WX\=ZZ6&XNG^Y>+VI3RT.R9=AN_0N[4=&]Q3$Z8Z`EN.L@&Z>OOY63]_
MNES[_P#IGMHQ[N3&E2,BR/!K4V$PLGN'45,DWK%H:5)::N<A869MI2G9+WJ7
M%V.U;=!3&->IN-C*TXYW2A/8??;?(+#[5Q:>CLF9#>6Q,,1<A#84RVM)W-D%
MQI50M(X";97ZL.TUEB?$)N66B0KI%N"VW(CE;[A%-C;>Q*W72'`E(2%*)(H?
M'@/0[,6:;W,PWN+ZJ<[LRX^!=L\>R:1VPMEV8<;^*9S!M$R9/SA^(XOI&/A5
MLZB8"7$+2W<9"'QM?C-E`?/ADJ<?6Y(-2IUQQU1K^\XX5D^VI*N`_C,@K315
M=PH"#RT_>'CP&>W0D!)//F!KK2E/'@)[8,^R_'6TQX%\FF$#M^&RGE2X%*U*
M6XT@N(CE7BIL(5]/`3?^[<S;[Q\+;^(<J]5?N>[[V_9_.I_N[O\`5P'_U-*A
MV2I2E`"@TV&E-:TK6NIKP&$ZMQ1--WW5'<:^S7E3P_2>`YL2%*6E*EA(;:2@
M&I\`!4:_>*^`D3926TA2@/M(&@K3QY\^`O'TR>H/N#Z5>_O:CU%]JKDNVYSV
MDS2SY;8G.N\Q%N"(,DIN^/W549:'7;!EEG=D6VXL@@2;?*=;-0L\!]CWTS=]
M.W'J[].W9WU%]O2F1AO>#`\?S6U,K<;7-M#USAH5=,>N19\C=YQJ[H?@3$?N
M28RT^'`"5ZW/EE^G/U0X[DN39"JV]O,M:MDNX77-GV8!QV5'M\*0XY.S:%+5
M&AK8A1@5.7$.-2&&VP5K<;;#?`:&&-Y+\O7M3ZJ+O@W<+O*AG`<=S1['+EW,
M[88/>.X5DO<.%?X]L>N.&S[9!;$^S38RG7D36FW6C';ZC34DE+*PVC?5%F78
M]WY>O>N_]A+]C.1=GX7II[H.=NL@Q*=[[8)]JA8+DI;?A2U!,A<E-Q@OM2NO
M24)K;J7@'0M(#Y@(:``'A2GZ>8X#I4QTR2D<_P!/Z_'@,N(!UDI-/-6G_JU-
M!]8_9P'M]`A830\S4GE3E76G(FGCSX#ETQ[/"E:"FVO*E/O5\>`__]72517<
M1S!!(^FNO@.>G`<G`5#:D;%4V@!1`J:BA/A2M.`QD'<M13Y:JJ44V[==04C2
MGU:<!(8SB7$!!*]@3YE#0DD5#:"`:%0/F.E!7QIP&<IY*@`D`:Z@>%.0`Y)Y
M>S@-Z_\`[3CYB6/6#M'ZCO1_WFS2'8L?[-6>Y^I'MY=K[(#,"S=OE/LP>[L#
MWA:U+1$LM\DVZY-,(2I:EW*24@G3@%X?.0^?AW#]>.=Y5Z8.PRLA[8>DVRW2
M99WV'3*M66=_IC*UV^/?<\C17E.?V[+J_>+7CJB8LA1;DW-$IU,:)'#77R;M
M2]:[:N[1'E/TCR5LO>1S9#CL%]^4ZZE#C'5DH!&Q)6VVWJMS:E+Z0;5V'RKU
M'^GOY6'J#L?<62E78[U'=OLAR'LRXNYJFW#!<NNKT>Q76QS[=(<;?M5A[MX(
MQ*FM!GKH$^'`5^'[U*WAKVN-44:5!*0/90&GTGPX#@ML+2105H`/\]":<!T0
MT%#Y6X*=,E*$_P`/AOJ.9IRX"3EH**3NW%/[O+6H]FA-!3[.`ZMB>KR33V_3
MRVTY5_7P'__6TE$?>%:<QR^H_P`/CP':G^8>?WDT_BYCG7P]E>`Z5TJ:;:^:
MG0W]:M?W-WDI_%NTX#T8E>D*5YKKT]O\8KS\?J\?LX#T$<S][D?KIYJ\O\^`
M9[\G[K_]<W;_`*'YKK^5.XG4_+WP_P"#=#\HS^K^?_B7D_(^W^9TOZGXE[GT
M_-P%H?,O_+/YEPCX7_T=?%NK<*?]+G]V_P`Y=+J73W[\P_G'_DK\B^^]/J5_
M']XZON?])U^`%.7U_P"UV45^.5_*EOZGQ/X=\5W?F!%-NWR_"/=-W2Z?D]]Y
M_P!3LX!^/S4NG_\`G)BWN_Y9Z/PC!NG_`&]]Y_)&SIXEL^`_$OZ_X3TZ^X]7
MS^X;]WGV\!J%O??5R\?JY#GP'`_9X?M'VUKP'6K^8GES\.?+6OAM_P`#@)$*
C;$_Z:;-W\2*4_P#&OC2OCP'[]_\`>Y__`%UI^C?^JG`?_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>62
<FILENAME>g655868hsieh1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868hsieh1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0JZ4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````:@```%`````&`&@`<P!I
M`&4`:``Q`````0`````````````````````````!``````````````!0````
M:@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"!T````!````4````&H`
M``#P``!C8```"`$`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!J`%`#`2(``A$!`Q$!_]T`!``%_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#FFM16L3L:C-8DI@&)GNKK'Z1X9/B85#J76!2XT8I!L&C[.0#^ZW^4
MLMSWVS;8[>\\DC_<DIW79^&WFS[@3_!#;U3`<8]6)XW`@?D6'OL=HX>T^:BY
MNA'('@DIZ5KZK1-;VO'BT@_D47,7+;W5OW5DM<."#!6YTCJ%F4'57'=8T2'<
M2$E-A[4"QJN6,5>QJ2G_T,9C%5ZSF.Q,7;68MMEK3W`_.<%H5L7-_6:XNZCZ
M0XI8&_,^_P#[\DIS&:E6!9M:0.?P50/(X5G#P\C+L#&-)E)2XLK`)=J?R?>F
M_37Z5,+@/!==TKZF4D-?E@NG\WLNAIZ-@8M>VFIK924^5G&N'+""ECWWXEP?
M5[7C0R)T^:]+R>F8KY)K$^07&_63IHQKQ;6(:[31)2;`Z@,P;'@-N`D@<$>2
M):V%B=-N]/-J)X+MOW^U=!>U)3__T:E%<KC.N@_M;)W"#O(U^YJ[S&9PL3ZS
M=&;?9=F,EEE;`YT:AP:._P"ZDIYWI.!]LRFUEI(Y<O0>E=,Q<-@#6C=XK,^K
M5&.SIM=C&#U'MEY[RC,RNM/M)QZ&>FTF`YVI^:2GIVD!H\$UK08A4,+JE[XJ
MR<=U+QIK#FG^JYJMW9C*6;B)\`$E(;(D@A<S];*_U%SP)VG5:.3U;/O>6XV&
M\`:;W^T*N+;,NM]675L.H<)D'1)3Q'3J_5SZ&]B\'[CN747-Y6;T+I6[*=DN
M'Z*MSA5\0=LK7O9RDI__TIXK>%+J>,+*P"=HL;L<=.#H>4V(>%H7T&[&]@+G
M,,@#DC\X)*>?PL9V.&TTO+'5DMD`00#[=S7(_P"Q;LUI+KW5Z:!D:'ON_E*5
M;33FN:]I9,$!P(T_M+;JJH+`]^FG(,?D24X65@9.'4QM-CIEK6[M3/#G:(N<
MV]CL;;<YP<X"P/COIIL:Q7\A];GQ2S<&:N<4V:W8*R&;M`824T;.BVO<RQM]
MC!!WM;^<==KM/H_25*_"LIK(=:Z&Z.V@`N[>_3V_];728WV>^H%NDC4`D?\`
M1E4>JL8VLM$#<0/O24YW3\3T<;:8]I=('B27.0,EFI6I76*\4#B9*S<LB2DI
M_]..)9PMO#M&BY>B^"%5ZS]9SC4'&PGS>\0ZQIG8./;_`,)_U"2G7ZEG8V7U
MJST'[O2VTV'L'M&H']7Z*MLN>*R':AO(^"YWZG8)SNCYQIURL:UMH'<M+?\`
MR5>Y;6%E-N$.&IY'@4E)#91D&:[O3GNUWY0GN;>]H-F1+&"!M@$_E5>W%KQ,
MC[12QK-Q#K!M!:[^46GV[DL_);EUAC&TL<XDN-;&AWN^;TE-C'R*6#TJG>]@
MF)_*DQSK\II>)97)(^`_\D@8]&)TW#VUL#2?O)/=Q5'%^LO2R^R@V[+)C>[1
MAC]U_P#Y))3J9EXU6+DV3*LY&0'"6F0>".%EY%G*2G__U.$R>IY%P+`[:TZ;
M1_%5.5&=4[2DIZG_`!<=5;T_ZPLHM,59X]"?!Y.ZAW^?^B_ZZNY^L'U:MIM=
MU+IK=#[KJ1X\NL8/W5Y`USFN#FG:X&01H00O=OJ/UYOU@Z!5?:9RZ/T.5X[V
MC2W_`*ZS](DIYG&RZ+F^[1XY:>1Y(MAQJVEQ#6@<K>Z[]3<?.W7X9%&0=2!H
M''Y?17!X>+BV=6.!G]1KKV/-;_4L$;@=I8W_``;G>U)2OK,'NZ#D9["6,W-K
MIC3<7.;ZK_ZNWV+@)U7J'^,AM6/]7JJ*AM8+F5M:/!H>?^^KR\B4E)J<K(H/
MZ*QS!W`.G^:K3>JWG^=`?YC0K/4XT24__]7S8IVZ)!,.4E,Y78_XL.O#IGU@
M&)<[;C=1'I.DP!8/=0__`-%?]<7&JST__E#&^E_/5_0^E])O\W_+_=24^@?7
MK_&!?DWV]%Z474XPFN_)X=9^:]E?YS*?S?\`A?ZBX&['=6S>"3V"ZCZ[?S5?
M]&_G/S/Y[C\[_P!&K&Z=_2,'_CZ?I\?3'/\`)_>24W/K%=U"OZOX'3NHF;J7
MAS'`S->QPK:[^71[J5RR[#_&!_/8W]4_#NN024Q(4QPF3MX24__9`#A"24T$
M(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`
M<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,```
M``$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("
M`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!J
M`%`#`1$``A$!`Q$!_]T`!``*_\0`BP```04``P$!`0``````````"04&!P@*
M`0($`P`+`0$`````````````````````$``!!`$"!0$%!`4'!PT````!`@,$
M!081!P`A,1(($T%A(A0)47$R-F(C,Q4W@9%"8S0U"O"AL5)R5!;!T>&BPD,D
M9"55968X$0$`````````````````````_]H`#`,!``(1`Q$`/P`)%=7K<(U[
M@20!S^X<]/OX![P:E1[===3UYD:GH>7NX!UQ:=S3DE6G(#F=!S'VZZZ#@.MM
M/QS&&VG,BOJ:C#^I9_>EE%@KD!*25".U(=;=D+^'HA*B3[^`B^RWZV<JPX).
M6K4IH+)3&IKZ4I:4("^]'H5J@4*!Y*)"5'EKKP#8@>3VPMC*:B#.!7KD+*6'
M;BDO:Z(L^SNFR*X1(Z>G-U;8X"4ZVUQC*HZI6,Y!2Y!&3VE;U-:P;-MON2"`
MXJ&\]Z1(Y@*TUX!(M*A0"B`3H21[.FNNGVZ$<!&]K`4GN202=>6NO3F1[QRX
M"*[Z$M!*M-!S)TY?ZWO(TT'`?__0$54U>I2"G4Z`@Z:<QIKRX"2*NF)[3V:Z
M_HZ_9TY<M>`HWY&^7[&$V$W`MII$";DD!;D2_P`L=C,V-;234*+;U;5(<<,2
M9;QEH4'7'6GX[*P4%"E!10%$)UM=92N5E^3W+UY=SB794J1#C?\`B)`)[!\P
MRN`AM#:=0EM(64_T>T<@#><M;^Q#K4Z.ZJ!)<6EI*[!QAMM+:"PX8R&GU,LE
M*4:G1"T_#IUY\`B6$%3<-^(XAJ3%9<0HF"$O.,+Z.=SP6\Y'U["D)*2".9`U
MX".4VT_'K5NTQVQM:2PBK4J+.K[&77SHY&H26I3+B)".Y/7174\]1RX`IGB3
MO]D&[3=IA^;R$6.25,),^'<)8C156$%M;4=;4EN*VRRY-:6L**TH!6DDGF"2
M%G[ZJT[CVZ:<^7L(U'V:@:\!#=_![D.:#FDJ]QU`/733_1P'_]$:-'5%2DE2
M>HTY>\CG]^O`0/YD;NS=F]K$5V.RDP\PSQ<NDK):'7FIM15)B+-M<0#&<:D(
MGM)<;:CN!2?1<=+H)+02H`9TP5(D@A"7"T\TM0T67G"74E3;2DK3VK=60%+[
M@L:Z)4%:$A+43(FZN%*9:)+JNQ#S3*0S$2I.I=C(*5R(Z4K>*EEQME;J7%%*
M7&PI6@>)B_H&8[SMMZ\AYQ+B6VF7&71#1ZA4`5S#-<6O7F!WDCNY@:#@$Y3>
M6[@^K#P[';FQ89[G%)AMR'$:M-$+4KL<5'4YV$GDE)YGV<`QY.W69L+=1-QR
MVBNM=Q=2_'E(*2$*7W*"D(`3H#[/9UX#[X%GF=;.9I'OL4=35WK+3L1]N7#8
MEQ78LCX)$>5$F-+0EMP#FK4+3H"E23SX`MFQ7D%%WIBO45_`BTN>0HRY;T2$
M'OW5;04+"%3*WYA;SS,A@J`>86M93^-)[24H![Y/6JCK<2I':%!7+0#7F>?/
M7V?Y^`__TJ/8Y4EQ2`$$ZE/LT).GLY>T\`$SZEF8.6?D(C$V#V1MOL-HZ=82
MOO0NRNVUY/-DE*B4-.&+;1F3H`HEC7IIP`_(MR_'^*.0=`I`2X"K74:?"D$+
M2KMY=VNO,D:<!-6T&S^?[R7\*HH:V7*0\4M!3,=?I!L+^+N<#:RIMM2_TO8D
M>S0-%7BQ]&3$'V:V[WBB2K=V3Z#YJUI+$5IKM;=7%<02A)<4`H*^#O2DZ`I7
MJO@#&8CX;;";2T*8.&8315JWNQ#RD1&%O.J"4(]/U7#ZP0GL!^%04-.O,DA"
M&Y/C)M9<./2I6*5K4CXG%.0H,8>FM82AV0A+C3A0OD%:ZDD_%UY\!FH^H]XV
MM;69K!R_'J]$6GMF#"<7"C^G'$J,%)006T!OO6TC74Z$G33ET"EWC?EZ,<WF
MP"3(6XVQ(O6:=P-J(1I>(73A*BE0UCA4U"@#R2`>1"4@`8?-()<]99!/;W=!
M[->>@^[@/__3K_A-'ZJFOU?,J1H!R_F/+F=>`S.^<D64CRLWR7/B.L/-YC+B
M-"6V&5&/'C1858^&$J25(?@,-N,*(T6A:'%=P5H02?$S8<[W;I56,.UDN=!0
MXB1:>BVH,H;#R`?F'0ZR&V].OZQO7[=.`V)>*_C+M9LE31&JVCKW+));#TUR
M*&T*?':M2F&VTH+45M[FRCF6T=O,JU/`$T@R6XE?7+2AE+20T-$1UA12X`#\
M7:VGN(5J.9"1H?9J0\F2P8<A,!<9+FJUN!78C0*4>\)`"DJ(/:/BUU`'`0->
MMLA^0RZSVH=:#"``D:?JTE8UU2!W*!'(==-.`!S]5W'U*V,MK>-#,E-39-+>
M6&TK7'`[6%O!:`5):Y@JY@#34<!G5\=*!&4[[;5U9(]"1FU'->3S"51ZR:BV
M?9.JDGO4S"4CKJ>[J=3P!W<RK`$O#L/Q`^\D@\N7LUX#_]1$VZI`XM@E!/X3
MTZ:]NO7EJ/NX`7GU,/#2NSR^W&WIH&9U'E&(8)7Y!:HC:3:W*JW'ZEIM^581
MEI874S6HY1'2ZVXXAQ+22I`5JI06,^FO@^W])XV8GDN/X]"5DE]1FUR"Q8:C
MR;65:(*0]&=D]I>1V+`*1J$I2.[EU(2I4[G^:ESE%@[MOM=A)Q>JL9K$6NR'
M*F(TRTCA]:29-@\VS#C.M-)Y!AQPE`U`*CJ0(CLIY1YI=F'B.Z.SUSMW?0W$
M175295->X[9I:*TJ>JKJIG28\O1M))*NTC0)T&@!"?LSW>IL-J7;257/O)2D
MK8C1XX?DN*<0I:1%:05.+=+:2E([BDD@$^W@!<[B>6&_&X%M.@;5^.6618D6
M0]'_`']FCT:AB2?082E"H4=QQY_L=:*5ET(=2K4@)Y$D(@9R:]WEQS(\2WCP
M%C')/R]C&NZ\V#%Y3SVW:YQSOCRPS&6TE85R9<:*T#MU63KH`>?!GQ5<L=U+
MW=.U@K_X0P_(<N@82W\PM#LFWI;6;4Q[*2$%OOA0`RZA)!(=?[0H$)7H!%<\
MJE-^N2@:I[CS!&GXO=TX#__5<^UL,+]`DE7)&OWZ#[`>AX!8\E=NXN1XXS$>
MG.547+<>DX9:R1&@O1S77$MF!8R)/SS2PDQXTU`U!2`#U2HA0"ENRFW=CMS'
MJL,PS(I^-VV(3++'?FZV+5R(M]2PK*2*J/=4UQ"GP4AZO4WV/)"9+*5%I+O8
M-"$L+\,<QWR@//V>ZF4XN&X45FMAXRFM?9J+AB2U)LI5GZLAV78W#TMEQB2E
MQ7RWH+4$H0X$KX#]N?L1N/LABV.P<&S"^5)5<8I053M\\W93VY:8P@6=JB1#
M1)>>F3?07+?CN-H85JOX66>2`?6]]=GE/9[*"!N7E5S`M+VKJ\R8S"/CAC-H
MFQW834JN7CF.4#S`;ENH<0S(<?0XZA*'%*25!0=,D\+LIO;.@R.OW1W!H8[5
M/8L9%45"$QV,AN'S;FKO?_3F7UTSU>+1*5QFUI8D)B,A:0H.+6%:<VV7R/"\
M??BS]P+MR#7:1K@4\.DK;/(9"_6@1X>235U<I58^N$E2)"ZDU\H(=00\V0V4
M@]M@-I3A6VRJQW]W)<KK#(42X]:VD-1KBWO+"ZLV$O-//1I+$9Z9Z:%MZ(4D
M`@`\!%VY=2EMR0GMY'NUT!'/730Z>[^3@/_6>FTSR5?+@$$_!RZ\O@)YZ\M=
M>`MUGF"R<UVU#E/`E6MSC\MNVCUT!L/SK"!V>C:P8L4I4N8XY'4ET,('J/%D
M(0%*4$*`=N.09&%[T6U;<5%C0?O!NOE1JV^KK"M?BQ9*&TQ'6F+-J/(>BK;2
M$H<'<VL`@+403P!2<3Q?!Y-2S<VZDPU)B*<7(C394%Y>HT;:><@/1G7NU#>F
M@*A[1R/(()S^[H+*W>B87CZ+&/0Z3;.TD>KW!3R'78[$.3*5)FRGWNQ*E...
MA*4*Y()/`>/>BN_<\;$YD7'!;.MU]?8F$>Q:G&"M7S:DJ4GTW%H;<U["V4JZ
M'37F$Y[;C;W<#%H4V`V[#7+A(4]#B6EQ7(;D(U8=9?HT69K6W6'VBA:6PIM)
M21H0.`JKY54E35T4BIAM1H+5E-A5X2RTE26S.DAI3S;21HI:75A9`'/33@&E
MCM#%QG;&NCI:#'S;D^<$EH-$L+?<8AN.$H0MY;\.,VX7"-7%+*NAX"DFZTQH
M.2`DC3XM.GO&IUY<B.`__]=(VHR-#:XNKIT)2"-?]G7F2#RX`H&T65L($7N=
M3H.P@:]>AY?S<`+_`,C=[-M]XO,W,VMOLC-JO!SCFT.;3FDA,&)GU%#<ESX4
M"2%K^:;IS-$*2LA/;/A26>C84H)^ILPM6<=>8MPM^+51WE3V"XVCU6X*DI=2
MIM:P4(`42H#JE)')1'`--V\PC<N2U+QS<=G$G);X2[(QO)6V&7DL+*8_SU<U
M)$66EI*@.U;:CIR!!/`*.:5^<W5?!D9-NTS)I**+\C%:ITPJ:39^MK'>=,@2
M;!N6EYM"2KT7$@I(/:GH`\VW^?8G21%XIA]E&_XBH83U@J(S8(D278RUNK<%
M@I*R\RS+D)40\00A1UT5HH$/K4V-EGNZ-/)NF&GJ#$U6]M*9>0EUEUV+#,:$
M'6G4J0LM6DYG1.A5\"CI\.H!/W>S5LB2VV[HE(7IVD#M`[]`D#D$@<@.7`#*
MW,R0.KDDN=>_0%9``^(GG[.7`?_0J7@>:"(XP0Z"-4Z#7H1ITYZ<!!7F3]3>
M5M;@]AMCL1D+,S<F\@R8%WFU-,9EL[?0'A(ARD5DR*ZXVG-"I"DH*255O[0Z
M/>GVAQ]'K9&3Y`^'GE/+P@&?O1LSNCC.XT:&P52+RYQ:\Q.<)L>*TA2I$N5&
ML\2,QI.BUO%EQEM*G7D`@3G9;<VNS9I,:UC!$V8TIFPB*2%B);,,]DDM)U/Z
MJ0D%Q(]J-0.`;&2[846T&X+NY&$8]CM`;FXA6^7PW\5I[#$<DDL=R1>V%98P
MS4UUJ['5I*<;7!=F=B0MQSN4@AQOIN-#WDH:^DI*;9W';2SG7DBSG[>[?XM6
MW\E&0!(?1,E1Y]^_%,)3Y+"XR$+0IK52^W7N#TX%A6U/BWLV:O&\:KJ:3.CN
M=WJH#]C86$UDJDV5Y/D_,3I]E,2V2ZZZMSTVOA!T'`57VR^I3XP3;S*\!E9N
M<<RL74JK1D.0QV8&&WR8BW5K_<V4,R9%>TTN:\\5.3?DFWE=H:4XD(*@<VX>
MX$>V8,N#/8F0Y3?S$:5%?:DQI##B5+;=8?96XTZTM*M0I)((/+@**;A9&7$O
MI2[\1[AR4.7-8'\FG7@/_]')[N+Y,[B9I&D5,:V>I::2HQ_W14K5'3):=/IA
MF=);/S,Q*^BDK7Z1(Y('`5_6I,A3B$)!"0IDCF=4]NG(ZZ<AP!UO\.1Y35GC
M9]0>@V\RR:B#A'E!6L;-NRGG"VS5Y_*MHEGM59DA2279^3LFC0=>U!NRX>2-
M0&K7Z@/TV<GPW*[KR>\8:9)CR759)N/ME6,+`BV#+[ME9Y7C%>RV4KHWW`79
MD-@%RO4XMQIOY0E,<*D;;[LX-G%8RW.#5?<LE+5A46)0U*AO*4E4J"\R5]JA
MZKA4TH!2'$'N3JDC@'YD$C;7'X<JP?BTM9$BQW7G^],9EV0[HM:B75%*UI[4
MG0ZD:]?>`EOJ60[B?X(;N>0M-93L:QU64XUMYMXW`2B$O+)>1YG2Q-P,H;>"
M3Z]"W3/R*QAQHI5(E+DN!02PE3@9"&WRVYVK(*5$CJ-`O_0->`DG#=T=P<!<
M4O#LNNZ%I:DK>A1)BU5KZP=0956]ZM=*^(:?K&E:Z\!.==Y5YS));RR%77B%
M@!R7%:%7.`((*^QGN@K//73TT#[N`__2Q.&04O(7H%=C@5]GQ-I[QI]Y3P"G
M7NE1[_A^,J4H@@`@Z#N(Z::'37@%N',FU-C!M*N8_76L"7'GP;"O?>BSH$N'
M(;DQID.9&6W(B2XKS:5MN(4%MN`$$$<!_6.^B%YVU_U'O`G`=P<IL42M[]L'
MF]HM]@.QJ;*SO&*R`Y!S8LH9CM):W"QV7%MBIA"8[<U^5&;T$=20#9\Z/HV8
M%O\`F[W!V5GQ=M=T)C<B9,AP%.4=)D-@4O/*DLR*[TQ26,R2H*<3VF`\[^L6
MVAQ2WB&2O9S;+:_(?*V=X]>0?F5@6+HQG.YN"Y&UF^Z^/,5HO:JVG54[&:N6
MU+5BEK=S+&K=B1GI+RX`E*;2IWN=:2X%R_\`$>UV+;<_3VP+;_$&&JNBB;S[
M=X53548]S,:HH*+,[)+1627'W#)I?4==45+>>)<62I1/`82G(P<'LUZ^WW\!
MP@*3RY_#IR^W[O?RX!=0SJVA0YZI&GO!^[0:G7@/_]/$H\24ZD*(2.8&JBDD
M@!0]JNO^?W<!]X3A:*5:DI4.U.@'Q'D`!J0->?LZ<`OH<2GXC\3B@.O0$?T$
MD`<AK_*?YN`TE_X8/SN9\4?/V+LUFUZW5[2>6U.SMG9KL9IB5%)N?6O.VFUN
M0OEQ0CH>G3S+H>Y7:-;E"E*T;'`$2^N=]?\`S;=#.<]\$_$2=?;>[3L/66#[
MI[UMF139)NS**W*F^Q;"W@AJSH=NF9??#EOM*:L+M84R0B$IQF8&1+,]OIF/
M5+E]%GS)B$I9A,K0?57)6I@,^@VI')Y3J72WZ2=`I"2V-2$]P%+^HEF/D)C'
M@#XE^,WDO+9FY[M_EE1=8_:L319/6^V;.`WM?B5/<R4]H1D6ULR9-QQ]2DE,
MF%$A.(4X0Z^Z`%`V!TTTT(T.AZZZZ^W7IP'ED,J*TE/)*CHI0Y=OVD#[3[#[
M.`<49"%,)2#V)24H2G[.T)'4#4?;[.`__]3$RWT5^'\/]+IU]OZ7_+P'5K^T
MIZ=?^[_!^$]/Z[_6]W`*Z>H_'^)/XNO0_P#5_P"C@)E\?OX^[(?F;^,6V7Y.
M_-_YVHORK_\`9?\`<?\`S79P!_/K6_E3"_\`\S_G]'Y2_CU_=$C^_OZW_P!]
M_J?EN`&IX]?Q!\5/V'\=MAOSG_=G\3:O^\?_`(?_`'W^I]#@+N_7^_..RO[3
M\O3/P?V/]M8_L/T/L_2[^`SFC_GZ_=P'!_"KI_+^'I_2_P`NG`*<#^SI_P!L
,_BZ_A'XO^S[^`__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>63
<FILENAME>g655868lindsay.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868lindsay.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0Q`4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````>P```&P````'`&P`:0!N
M`&0`<P!A`'D````!``````````````````````````$``````````````&P`
M``![`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````)H@````$```!B````
M<````2@``(&````)A@`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.6:U$:U,T(S&I*6#$0,4FM3W6-IK+B)/9O^OYJ2F)#6MW.(:!R2
MJK^H5`^QI>!^<3`4+&77?I;]&Q+&<:>,?FM5:YKQ&D-(D`<0DI.[JK&G6O3R
M.OY$1G4<9YATUD^(D?@LIX>W4@CP$:PHL:]YAK3\TE.\6`B1J#P0A.;"JX&5
MZ+OL]P+0-1Y+1<V=?N24TWM5=X5Q[85>UL)*:T)*4?E224__T.=K:CL:H5M5
MFMNJ2ECMK8Y[S#6@EQ\@LZK,R,RXLQJ'WV.T96QI='[JT<UH].MCF[FV6-;!
MXD39K_F+H_JMC,9AW70#;;;JZ!P![6A)3SU7U/ZW>X69EM5.Z#Z>XO/]O8W:
MM#_FM8T#U;]Q\&B.T=UV'I!K9U@^"JY0;L!!@@^/*2GD[?J_C,&[5Q/WJE9T
MZJKZ(T/"Z;(:#6"W@#XK'RP0R.$E.#G88M9+/;=5JT^/\E+IN7Z]?IOTM8-1
M\-%:M@6<SXK-MVXO4Z[8]CW!KO[?MW)*;UC56M$A7[&\JG:V"DIIPDI[?RI)
M*?_1Q:V\*Y2R57J'"OX[)(24U^KM]/IIN`UJL8YOQ)]/_OZZ7ZK-+NE4O.AL
M)<?R+/LZ=7GXMF%9,7PUA;RU\_H7_P!5MNW>M+ZJ5/'1<=CQM>`X/:=""'$.
M'^<DIN9?5\7&.QY)!$^T=@85!_4>G9(#:[@"=1,C5&ZCD/8+648S+7UUE]EE
MD1L;I](_UERF/U%U[FWMPV.K>3L#`6/$'7V?S;DE.\&R[TR9W`QY+,S[*J]'
M/#1P)Y*O]1J;TS%9G%VYA:Z6^#H^BN5&1=F46YCZR65B?3DR9,-_K?V4E*?;
M6ZR`=9TE5\JIMF?CL<)#]I(^#E)M@+FO=6VL.$MV@Z'P=*MTUBWJF&Z)&VP_
M<W<$E);6]_%4KV]UJ7LA4+V\I*:.W\J2FDDI_]++I"T\9LD:+-HY"U<3LDIU
M,0.:=S(W@';/&[\U6>BN<W'V/9Z+MSW.J)U:2X[FN0L0<*Q8YS,H$@!SV#<0
M/I1[0[^MM;M24V<A[:JW`L#FG]X#4_=[E@5=)JR<P76']&P[MC!`/\GV_FK5
MSLRJG#+K2)&IE9O2K\IXLR[AMI_P-<0YX_TFO_124M]:FST@P#`=`':%R/3R
MZMQ8PPT]N0NIZYU;'/3S46/%CY+JW07-@>SZ!=])<CB7,%['F6,_/!&H24WK
M\8QO<8'=L:(G3ZK'YN&ZL2QOKNL<.S=C6-_SK')=0<&U@-,SP?BM;I&$*Z/M
M!YV>D!\3ZEA_ZA)36RJ^5EY#5MY8Y61D]TE.?M_ZI)3T_P"DDDI__]/)I<M7
M$>)"Q:7Z!:&/;!Y24])B/X5O*YIM\):?^J:LC%R.-5??<+*V53JYT@=]`[5)
M36ZPTO;2YS/5KK>765G\XAKO2:_^1O57&ZJ^RUF-E4G&R+*_5K=<]C:;0-7,
MHN=[/6_X"STUI6M]2LM?H3[7`]D.VBM^,:;&![6@^UPD?<DIS>I=-SZ'Y%^1
MC;V65NV$.:6M##L+YGW>YOM7(NMK&2*:P;#/N+(+6QI[WRMS,QV@N'I`L:(:
M"2YH'EOW+(#(>2``&]APDIMVUFK&K#S(]0^G_5@._P"J74T#T<&EAT<6[G?%
MVJYSIU)ZAF4L</T-`#K#X`?F_P!M;N7D23'"2FGF6<K'R7\JWE6R3JLS(LY"
M2D._\LI('J?E224__]3G*K(5RJZ%DLM[%&9=')T24[#^IUX>.[(L)VL&@'+C
M^:QO\IR[RSZMNR<'IN?2#3GXV.&64DZ6,L`LLIL_=MJN_256?\8S_"?H_'<[
M+&4[9S4V0!XSRY>J_P"+;ZV?M;`_9.:^>HX+`&./-U`VL9=_QM7\U?\`];M_
MPJ2F.0"1P66LT>UVAD?F."#;E,?29,.&A^"ZWJ?1\?J#=T^E>!`M;K(_=L;^
M>U<#U_IO4^D6%][2:7F!<S5A\MWYCOY+TE-3/M8^PC\W:3XZCLL6JA]UYK9[
M:RX!SO"3PKF2*GUA["7-/!\"A=/>=]1)T]20/@-/^DDIVZJ\?!I--'<R]YY<
M1XJEDWR2AV91(Y5.VZ>Z2F-]JS[[-#XE%MMGX*E=9/P24PW_`)4D'?\`E224
M_P#_U>']2.Z'9>]S2T&!W\T-SE$N24H/\59P,_+Z=F4Y^`_TLK&=OJ?VGZ+F
M/_>KL8=EC?W%3E/*2GZ`^JOUEQ/K)TIF=1^CM;[,F@F378/I-_J.^G4_]Q:U
MU3+JG5O:U[7""UPEI_K-*\#^J?UEO^K?5F9K)=BV>S,I!T=6?SX_TM/YB]YQ
M,O'S,:O*QGBRFUH<QX,@@ZI*?,_KC]7W](K?G8@;7A.<`^JQVT,<XPST+'?F
M_P#!/63]7*L7+O?-['Y;6N95B"=S9#AZVL-L_P"M;_34_K_];K.L]3^R8XGI
M6&2*B02V^WZ+\K]QU=?\WC?]O?X5<[6;L*RO,QI%U+VW-(,$.8=XC]YJ2F[3
MF"VD.X<V6O;W:YOM<U0LNE4<YHIZB^VHQCYOZSCO&FEAW[/^MV;JW*!R'</^
M])38MMG3LJMC^R9]B"YR2EY"2%O224__V3A"24T$(0``````50````$!````
M#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E
M`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&```````'
M``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#
M`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`![`&P#`1$``A$!`Q$!_]T`
M!``._\0`A````@,``@,!````````````!P@&"0H$!0$""P,!`0``````````
M```````````0``$#`@0#!@(&!P<#!0````$"`P01!2$2!@<`,1-!42(4%0AA
M<8$R4B,6"9'!T4(S)!?PL6)#)1@*H>$T@F,U)AD1`0``````````````````
M``#_V@`,`P$``A$#$0`_`*#+;#RI"L*&I`(H$U).'(`BM.`E,2(7",,,*'&F
M)PH*D8<!,H-K4H"J:`IPI3-6A`J,<,.7`2B-:J`4310.!Q//`TIVXX<!WS-L
M[T84YD``X@4!//`<!&]4ZLTSHQM'K,YMI]Q!6U!9+;LYQ('UTQ>HAT-DX9R`
MFO,\`(Y^_P!8HK1>:T]<U,J35IR1(AQ4.DD4*<ZU)4DGM058\N`CT/W/:,=D
M)BS+9*CNJJ,L65"EE*@*J26W%1E@@8GN^/`$K3>YNA=9/H@VN[-MW%])Z=NF
MMJBR%J%#E94O^7?<(Y)0LJ(!H,#P$FG6D%)(2!SJ"/%R%:]U:<!!+C;RT31)
M2`37Y$$9A\.`@US@I6E1"$F@`.&)`K2@^%3\:<`*;M%4A3@*:?9!'94@_'LX
M"`>6'J-<H^W7"G.GZ*\!_]"C&#&J$"G(TK3LPP!!YD\!.;9;B<GA(2``#VD9
M1])K\N`GL"WXA(3R'8.79@.=1P$QAVG!)#94H_53B2I1K3+\SP`!UYNE.=EJ
MTSH..94Z251D79I"I'4<=^Z_TQM!"5-LE6;K9L2!DYYB"^WC3DV$J2_<FY-[
MO;@6Y(?D/*$*.ZI*%+ZSY0Z'G\SAJENF04H00G,`%U$Z^>HZMO.ZHA(0@!"5
M`D!#;A3F<<J:D!9*@!V'@!O.E/1"$R$F$5#!IJJG59D%)ITTMR$-XD'+0?$\
MR'[6^5->J_;FYSX:RE3L13R5H^\!P2IPK"D'F<#RH.`L"V0W7MFK+6Q8;I.<
M]:MZ&XC+DU9+DU*0$,I4^Z$*?DK*%#$9R4TQQ(`TW6V(4@J2F@H2F@YU_M]'
M`"^YPNDI8H`"<.9H:<OF>`$VHX(1F6E(QH31./:*FG8:]W`##H'SN:AY9:4/
MVN_OX#__T:4K1"*RFHJ30=F7+F^CO`X`H6R"*)2$XT'P[*U.&!QPX`DVRV8C
MPX4J:@U'?CVTKSX`8[G[GV'2<AK3"W6U2WFTNW5`6IKR\)31>1%4\"*+G)0`
MZE(4?+J.'B'``%S5E[O]WFZ=V6T)?M6WZ:IINXR-,62?=YR&9<AIJ.W+=MT>
M4JU0EO*"6P0@.N9$4)S<`P^V?M$]TMY#UUU/L[J5B7<(CR(R+W;UVB!:;>I;
M;SR&F)+;3[2D-5#GA0\JI*R@Y`D"BK\O+7\AU29]@M%G><,A2'FD+E2F,P1F
M;:+A+;#F5!JL(*P20#B1P`KU%^7FW;.N[-\LJ0V7'%YXX6XFH4:N9SU%5!.!
MP)QYX@(6GV\VG2`6@0D96J)<RME*3SQR$$TRTH>0[Q4\`I^[^W,K;RZQ]Q-&
MLA=J0M:-26A"%%L9J+8E-%H9VVG)*4I70@H40JM`>`:W;76]NW"TQ%N4:2A]
M\QD*>25-B2DA2FG$R6LP4F2PXD!PA.169*@05%"0][_;<%J`^GG_`.H_MIP`
M<OT0+8=249E95`\JF@4!A7O/;P`9\LKU#I4-:Y>0I7-7G6G+Z.`__]*H"P0<
M^51%!4<\<`!B0<,3_P!.`+=GMN92"0#6E:CX?*O/@"0IABV6N5<92@W'B1W9
M+[BB$!MAAM;SSBU'!*$-H))/(#@`Y[8_9]ICW*;[:"M>N)%VO+M_FW?4>NYR
M)KT>"(L6._/7:+3'31IB,B31A2L'%(2YD(`^Z#5[LM[<=L]G],-Z6VPT19M'
MV9A]UR7%L-J@PY$J2Y3JOW.2S'2_,E+`"5O.J4Z4CGV<`59VB(C&1!9BMMGJ
MA3DB4I;J7>E]X4O./$=8H4JF=&)!S"HH`5/6EH<9N(@&/;V3'N+X;?4Y53K3
M;#KR0@J94DK$E(3E\":&HP`!!(-VHK+JI;2VRV&Y"5-*6UF/1J$%*%(\536G
M(`D]Q(X!"MTHS;$Q.2.TI2TNLK"$9FU,K!4AU+8`R%(3C4$*I3NH"9Z@M,>X
M*N5FG1VUQIK;C:FU(1D=0XA0*"DYJBJ>5:$T/`)UM.R]M9OPQHMR6(]AU$[/
MM<=#RONUO.1W)EO825%(:<,HL44/XA<4""0D@'JO-N!0L9:I(..&/P-!SS<`
M"-0PND\X,M`<U.[']-:_KX`,^53Z_DHJE<U<*YLM:5I7+P'_TZK[!"&5O`5H
MD4/8*)I04IV<`:[!:RX6O#]G#O\`B>_@"M>M$+ONWVMK8V"),[1VIXL182H]
M.7)L<UF,KP>)00^L$TJ33#@"-^55<H6JMU;3(@*#SVFM.3&9:FD4;HB.TPH%
MW(MPN./T40JBAE40%`E/`:==+LQHEO5(E***LA)<=9S*604+SYQ1"4EI!S'*
M4XUP[0A.N'0AXJM2FW6)(&9+D@%`R)SI<RGIMT3TQ1-.:C\N`0W="^7^'?/-
MR8SCC*90DMJ8<SMNHQ3E<4<M5*?J:$).%,<>`7W6\9R_0(TH-&0T\'VEK:`0
M440R2IY*<C(*''$D#(K"HQ&!"OS=N`U#7+7%ZBWXM:)"1E2X2$Y$K45U4E*@
M:)\)YTPX!$[B7U7AIUTE#;JP4E::C!8-,`D@#-7L.',C#@%(WCTM,NV[>EX=
MMS,W7UW2<Z`^$T3U'+E%:0?K9L4X'$_5KP%@]ZMZDM+4&Z)S.9<V.%55.`PP
M^'`+]JZ%ES.!*JC-7`9J"E:\BD`4X`)^6'K75J:=&G(\^IRK3G7X<!__U*V=
M.Q*]($8`@5I3L'*N'+@&+TA:BI;)RG]WL`-:CL-3_P!^`;?1&E534-1`V2J8
MDQP$)!4$O>!131-<V4DC@`+^3#IV^Z.WDW?T3JNTS;-J>P,2(%WB35N,R84R
M#>EQ'8SK3@4HJ+5%E::A2,I!(<Q#2!N/%UCJ.P2+'I*Y*L<IVVO1HLAP.1XW
M6FNB-U7I#1+Z40X]5-)2`E3@3G4$FO`5)[TC>?9^[L.VOW!Z,2P`&YEMN.J%
M0Y#DI*%B/&C(O$63"3(6^E(6'E-J4`05('`=/I/<O=RZV1G\8LV_4:&G>K#D
MVM<64ZX'$%;<@OVMYZ&^6R/"D]-0/,$&H#AW7<>+8]O-5W*YY(H:N@AICNN-
M,NMEZ(\IY+`==;4RA12@E6!!&;')E(5([F;LZNUU<YT72TB,Q:D!YI2BY!MS
M:6G5N$3%7-P/K6XED!*D#.3B:8<`N]@:OYU*TW/N<"9"S(9EN0IBIT8.NE2T
M9'W%.5=SMDF@2"E)P!Q(<J7I23?_`'-;506`>H];T39&2A^YTY-E7.2LE("5
M96&0"*?5)'QX!Q]36=49"FE`J*:@J(YFA/(=G`+1J^""B0DIY9ZFAY$T[NX\
M`OOEAZCR%/J5H?M4Y_V_3P'_U:^],Q@I30`QS)-`/TX$\`V6@[7U/+U1F)RU
M\(!('>2#P#P:`LJ.O!4XT"TEYE3J2D^)O.GJ)IF%4E%>W$'@#%L[M5"V_P#=
MQJ#4ZGWY=RUKLAM\K55QDQXZ8LW6&D>EI:]3Q)9><6].NT"+!=>*VD9G2L^(
MDJX"P;=S2=UUGI]G3VG9ILTB:PRERX&3)BLA!7GZDE'3`E-9T^-D*`6DD*ZC
M>=!"ASW[>RO5%DU9H/4UBO,9K0EN@0QN(Q<-1KG3=676+#CL37(]F=?=M%GC
M2I3"YR&V6X0CN2E1LJV64*4'O^6MMRF%N%?;[%@ZB;LEF0_"G0[B'F=+M29#
MP5"7'ARY,EV1<%QF5E3:*,H!#@2FB>J"@?G'2[E&W'>TMI"5,MNFKC?'K]/@
M6XJBODDK:=92V0D9$H62E!("DE/,&H!.7-MK/N)LWI:V:7O`L]\MET<N-Z?=
MS0TWN(KH>5CB`JZMLLI9:0\VXI;C[KO5.1YH`A00`Z;FZ8OQ39I3+GF78S4J
MVAEMMEM;"6E(E-.M+>07E.,+4XD'IKS`I(.!!C-IK0F?[@MF;M-665R-/[F6
MV.A0J)4R-I=I_IJ5XLI,>2ZX>6*$XU-"#6[@6(LJ>.6E,WR//EW\`GNLX!05
M@T%:XTQKSI4<R.`7#R)]>Z?[F;J9<:4K3GE^M7Z/[N`__]9"]*)!<;\6!-*`
M`=@^G@'2VXBAQ44$J[`,#2N`[`0,1SX!^=N[<E;C%4@\CR[1RKP!?B;<731>
MXKN[;=QN=WL&JH[5F=M"\LF+HR](=B3IDQ;[DM#K5GU1'@9<B6'`B>E`"@E9
MX!\8US1=K08C4@LOJ`R_5<<<(CME;P4VH(2G*<"FI"BGX@@@>_3#MYO2HNJ'
MG9D-AQ3##LZ4DK::4\0M3+CH<2RE:%U<Z82L!(HHX<`6=M+'8-/Z,ML/2XM5
MLM+BE.O.P8F5ER2M/4<?5*6IU<UQX)*2M1*R`*%0">`HF_-STO-=W.LVHP$2
M(3UFBMI<92$J<+S6#A02KQ@I%:$@4[L2"$[#MP[FAZ&O*HM+*9"`A33C2LR\
MZ5-*2ZE+M$FE$G,H`C'@"?N9;;#88[;S,)M4M324"0XTI:TI*\$(6E+:4).4
M9J)!)%2<*$"M[;=L$:LW0VUU2](>C+V[T#N1JD0VXY<8G+U?+L>BH27G\P#+
MC;;4EY!.8JZ9`P)H#,;EV1`2^<HKXDX`8#*H]W.O`(?KRWA/7JGZH57N(!'Z
M*'@%C\J/Q#7+_DUKASZE*<!__]="]).)+K5*`U03B,#W?1P#O;8K251R<31)
M[:84-3W_`*>`L/VP;"U,<NP\S\,.0IP#5:MM#KFW5VN$=P9(B;6N9'65)0XR
MW=X:FY#655!)BN.%0*J@I)!QIP'G2NH)=K@QKZM#CP;B%*D!8*U%Q(0`E!65
M$H40`0#@1SKP%6V[=_UW[GMU+MI+1TB18M*:=N_E]7:M"'4PK:E;Q#ECMY;3
MEFWYUL8M(.6.V.HZ0,J5@U]_U/?ML-,V*VZ!59H^F=,Q4N7F-J"SR;W,EQ(<
M9T2&X4M%ZM+,&<^B*D]1?F6V\REY5I&7@*'O?SOKN'N_<6M20+-%BZ8D7AMR
M&F7&<;9$>$';=(MS/D9)::=>7'6I"PM:<M5958``IFQ.MX.C=4JNEZ@OB'><
MK4Y#69U<%+BBEJ4RCI!;X:<IF`&=:<4C-1)`^;R.^L7JP08!*H=V6P[%>;(4
MVY%=(+;R2@E*@MM50H$@C'@+C-A-O+/IK:]N_LQ5-W6]0X%F=?7D"/2K`93T
M=,<*0E:0]<KK+6X4DI60W@"G@!1ND&6Q(Q'-5:=N"O#0\^`KQW$>;"I&7N70
M4J>[Z>7?RX!5/,(_$/3J/X7+-_[M.5*YJ<!__]"NS2<X!31!&*AVU_5RX!T-
MM;QD,;'ET^TC`$=X(YBOT<!8SM?>DUC*S`!5.?(5ISK2@X!]+-T]2:.OUBJA
MQ5SLLZ(PVL^`R%QUJB!5,<OF$HK]/`""R3_,Z<7D6M"%Q7HC;]5.(BN26VP7
M"R%9E=3J#*$@`*&)%2>`J_>@^XK1-_8TCM1:=#:B=L$;7MS=TQJN5<+-&UO?
MKA=[C<T-+OUM3(7:[A>X<H%E]<>0`LE*@`%*2!ET!JJ/[C=$G2.I-P=#[%[G
M7N!Z=JW:'<J/JO3-UT[=#?=,:?DM6K5-Q<AZ5U):F;?=YMP;N<-]:'FK>X.E
MF6X60K*]VD2W[5:%M6A+QN!L[>K3IN_ZI8A-:0U4[JK4TUV&U/Z<F9;;=&7/
M#5U=B++0"'%(6\`35=.`K(VLN%QU?K66A_3R[/I%*W;?#NDV2[&N]W9<6IIN
M7&L\F)'<MC"U(2D>96E8!Q2*&H.7J:PNV>Y[5:+AY;IJ&/%DQEMIS/N-KF7:
M8FR104_Q#%B26PD4%>FD<@>`OCD%G2.@]-Z=24(]*LD=MT(I0276O-2BK*E(
MS&0ZKLX!$=U=3-J5(RJ3@54\7;0F@`.`-:GOX"OK7UZSEZJZ!6>N)Y?/'@%7
M]5/K_7S&F?)2N&7/3]%?HX#_T:K]*79)#1*P#A7$=U,,:T!/;P#3Z%U$EA;(
M+E!5)Q-"*=O*N'`/AMGK=IH1T%X5%#@4!((-17$8T/`/KHC<Z);(#]VFS6XE
MOMC"9%QG/NI:BQ(ZG$L-KD/*.1LN/NH;0#BMQ:4IJI0!#]M+AY-NMLHJ5Z?=
MXC+CK[=2EJ<IE">BHELAOKK2I(S`#FGPFE0X3.GH:=22K^DMR7V7?(OJ:R-9
M8K!R1W$KRH61U@K$`$HS?(@MWN?TU#N5BBRU:>L4N242GDOW2U1)00XI:`ZJ
M.^ZCJ1W76T52@!22.0J3P%,&[EEFV^Q*B.6N#:VT%X-]&.`M2W&4OR&LJ:--
MN)=S'[*:`#LX!5;(RY8"NZD$U?00J@4R5-+4I+3=1524"A^!/PX"Q3V=Z(D[
MF[KO[JZA86YI;0;:'V'9226+A?5LD6RWMJP2L1`OS#@J0`E(/UA4'MW1UQU%
M20'_``456JA2OB/*M.8PX"O7<75!?<?`<JG&OBK6O?0C#@$JUW?:AUL*\3@(
MK]!-!6@Q`X!9O6!^(NE567)EK15<W6KR[LO;2G`?_]*E#3E\\LM%7`0<0:]P
M\)^`X!A-.ZI2V&BET?N\C4`YJ?+_`+\`R.DMQ1!2'%OD(;05%6<``)37M-!\
M^S@-`GY2.W&UWYAGM']Y.EM66V^)T#K>^6G9VW:\@]"-<XMXTM#_`!3^*=!3
M)34N/YS26JYMMF1GG6G&'I<%O.VXR*+"=7+8_<'V])3MENJVFY2(]O1#M^KX
M$1Z/8-<-0"U&1>[;XI"X#T]3:'S#+JG8;[I96I1R.$`A'U*YH6]R&)[C;]LE
MK*TR:*<<5&!4@H<#KBU++230N_55FJ`DFG`!O=O65B<>N+C\]*H/E,D1+:PT
MU$9<`+RS(BD!AE+I!*7*I<.4`*JH$*;-ZYMMO=@N4F4OJOF?*C]$,I:<*&VG
M'D.]2B5#K$)6I50DU%:4/``GV^[2S]X-56RU7R:NT:68D35>>+&=<A4-GS#R
M8S96T)'EV&CF).4+6D$U7B%NK+^E=L])0]%Z+B-VRQVYM7@209$V2M(3(N$]
MY(2J3-DE(*UD"H`"0$@``K&O];EU;Z0\"3FK11K0%7,`@<N`3C6>HPKK%3E<
M2:$@XU3E`KC4?IKP"G:OO>?KO+52F8`$CM*N7/'#LX!<O5U^L]7/X\]:YCSS
M?/G^K@/_T\]EFU"@H0VI=%``5P3B,,!AP!'M&KG(RFPM8R@BIK_BY]O9P$*W
MGWN7!T^_HZSS743;RP&KL_'4H*B6MY/WL4+004NST'*L8_<E0IX@0%[G_&;_
M`#3++[<=UYOL?WGOC5OVD]PFKV+CM3JBZ2VX]OT%O5.B"W^@W&3(<2TQ8]TV
MHD.$PJM&+RS&2`$RWEMAOEW#VXT?NGI>=I'6UH9NUHFI44U/2FVZ5TUMM7&U
M3D??V^X,)<4$N((JE2D*"D*4E09W/?)[`=]=O;)>-3[8B3N-HV(94Q5PM41U
MS5U@MK`=E)>O-CA!*Y;L-AD)=N,+`IS+4A@'+P&?"Y:WNM]O<C26HKTF#+;%
M8:G#T_-O!^BDI=S-3`M*!7%Q1H*D4(!!1]W6G+>[+DNRU3'$K=,AF7*>>;==
M2I2@$LNON,A)`!HO,%"A&`(X`V[)7]VU2#.F.(0];]`L+::2E#*&WKO>;8MU
M2&D'[HL15-I.4!!ZU*"B>`E>J=R')`6$O$UKR4.T&@YGGP"YZEU:72Z2[]NN
M(KSQY5.'`+?JK4ID*<0E?A22"HGN`)QY4X!;=87X+0MI"DJ`(4HBAI3/@2,0
M:D<`"_5/]4K7X_#ZWSX#_]3+HS?"WX@NAYUKW"AY<R.`\W#<M5JBN(CCS4\)
M/2:S?=H*J@*<(!!R5^K@3WCGP`&<ODF9+D2YJB])DO%Y^0\J@6ZH@FH^[0`2
M:4I0<N7`<]N4D%"A(51("D);)*4*H2E2<4M@I/=P'TE/^/M^<C;/?%M3;_;+
MOSJ=I'NRVAT^S#C72\S&TW#?'0EG93'CZPC%;;0FZOL<1+;5Z0DK=?($PUZC
MN4-+'`4:?F=_EB;.;\6RY;DZ$T[#VYWD4%7-.JK%">38]1W..IYXMZKT_$>8
MA.293KI*I\=#<Q+B^HLO%(00Q!^YJ1JW:_6[NW&Z6DK[IG5D#+'?8G,&39+V
MW`?<C^L:;O#<1N+>X,Y\420.JD*RK0APD`&%LVV6LMN_;=N=OON?&FV*Y/VC
M3T^TZ>D,_P`Y8M&?BFUQYMTN<;*)#3\AM#<I]LD+8B1AX<P4D@L=QULAYE+Q
MDH4A:`M!2XE2%I6G,E2%(*@I*TD$$8$'Y<`)[YJU3Q6EMVB#45QICW'"G`!7
M4>IT(0XTA:5+(4%$&E#3*3@:D@8_/@`)J"\U2YXL36G+Q$DC]?`"WSRO-]2O
M;]KZ/T4X#__5R)3+O(2"A*U)!(25)&5?.@HM"SE2:BO]_`1YZ6G[554\//XD
M54/V\!&'W?YEP!**J.:F<CM!^T*`_P!CP'.CR5C!*6D"A.;,5T(!YI4X4$_1
MP!DV,WUW*]N^[^WV]VTVHY.E]PMMM2V[4VGKK#DK0D284EEQ<*:RPZT'[;<V
M0IB4R5!+S"U)-!B`^LG^5E^8GM_^9#[7]*;P:??@V[<"VPX5CW;T6RZCS&F-
M:QHK:;F&F.HMWTF?)2MR*LU!;(%3@2#Z[AZBT1HW0^J]:[DW6T6#0>B]/7C5
MFKM07YY$:SV'3FG[=)NEZO-RDN>"/"MUMC.NN+[$)/`?+#_,V]]UG]_7NCW!
MW&VH%^T/MC&<F:%VATJE3]I1=M$VV9,$#6>J+<RMWHZ@U4N0N>ME2P(0,9I2
MEJBI)`;^U#>[5VG;9K#VHZVOB[QH3>_;#<_;.VV74,^4\-)ZYUII:^6?;Z\:
M;=GN*B6^T*U*_&;E,LE*#YA3ZD%325<`B&WFYFKK%"<TG>$O/O:8>7:I=JN2
MEM3[>U"<$1R,A[*74&#(26EI=2L)2$A(&-0(C^XT>ZH4F*ZIEP8*944AY-#V
ME*BE2,#BA1']W`0&[ZA)ZBE.5.)./,D$=Y[N`&-TNI=)*CA\3R`KS&8#MX"'
M^H?S5?ARKV5[JUKP'__6QWS*XUZW92N6OUC_``\F'+G7]O`=0JM/W^0IU*4K
M3]S_``?/#@.GF4\PW7)S<I7/7D/LXT^?[.`]&NVF;ZN%*5^L>6;]?`=Q$KXJ
MUIE17-EIR52M,:UY9?C7#@-<?_$Q]9_W.;O>G?UZ\G^&K;ZC^!?P)_1^GF%=
M/^HWXI_UWSW3ZG1]*QR9<_CZ'`:;/^17YS_\Q=V,G]3/2_7-)>L?@[T/^GO0
M]9C^5_W`>8_^X?TD\]DS>@_S/K?I_F/Y3K<!\Q_1GE/Q3%\KZ;Y;^<Z'EO6?
M3LO0/_C^L?ZMY;+7H^8\6?XY>`+6MLGK&CLO/UVR]#T#S'XQZOJ\;-^&.KAY
MOET?,?<^9R4_>X"*^XRG^Z_=/)Z?U_79'G/PUGZ?F_*-^9_$O6_T[\15_P#E
M?(?R/G<_0PX`+R*>8-.I7/CY6N6N<]_AS?+"O`>UPKTT_P#D5I_FY>K3*/XG
A9F[_`-[@(?.K3_-Y=N2O9_U[N`B./G_\[E_@K^W@/__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>64
<FILENAME>g655868lindsay1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868lindsay1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0I44&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````:@```%`````(`&P`:0!N
M`&0`<P!A`'D`,0````$``````````````````````````0``````````````
M4````&H`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````>S`````0```%``
M``!J````\```8V````>7`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`YIK2BM8DQB,UB2F`8FLLKJ;+S'@.Z?(L=6V*Q+S^"I/K,[K'
M;[#VYA)3)_40/HLT\RACJHF"SYA`NINDB"?DJSZ[`>"4E.O3F47':#M=X%$<
MQ8[*+R-P;QK"TL++%[=CM'C0I*4YJ!8U7;&*O8W1)3__T,5C5*^P45%\2>&M
M\2>`B5L39;-KZ9T!)U\P$E-7I^!U?J9(H9L:70ZU^@'BMK'^I!8=]V2ZQ_\`
M);`_Z1<MWZOTM9TZIH&IEQ/B25JV,#&S&B2GE7?5O$JY+G1SN*JY/2,6N0&!
M='F/KW`P)_VK-RVSJTI*>=NQFUS`X63EU.Q[1DU#0G](U;^8V"25FV-#ZWMC
M2"DI>FQM]+;&]_RH5C84.D..VVDCVL(+3Y'_`,Y5BYJ2G__1IT,E"ZXQS,.J
MQND6@$_$.5W&9PM`X0R\:S'=`:]IDD3!@['C^K9L24Z?1=K>FT.YBL$>>B'F
M]0SJMQ;CE]8T^/P1^C-#>F4`B"*FZ><*AUO%ZI9B664O=N!]C`0!MAWT_P"U
ML24@/4V9,MLJ-9'=1=;7Z+W'AITGS5#H[,AV:RFRQ[V#6QA]P\_<[Z*'];K'
MXM@IQ3L980YT?!)32S<QKW%M;2X^//Y%5I)L+I$=BI/H>ZFIU+S'-VL3\%"@
MO:[:=1XA)2_2*OT-CH_.B?A_O1KFJUTVD-PB.XLLG_.0\AD2DI__TGQ!PM:F
MGU*W,W%FX1N'(_E+*Q#PMO#C1)2;`W8[?0>9-<-)\8_/_M_22Z@7>D1/L=R.
M%&QNS)(G0M!_"%0ZM=?:]F'60V1+WGAK?H[DE-CI]>.UCG51N.CC_M6#]<*B
M;:K!J-L+7KK&+BBJEY9MU<_3<?WIW+F^MWYF8P9!=^CW;1Y[=$E-?`#7L@]N
M5)[&?:&UL')5?`R/0<0X>UWTCX>:O8E1LZD&GD&!\4E-_"QA7A;O],]]NO\`
M*<8_Z*J93(E;F2UC&[6B&M$`>`"Q<LC5)3__TQXED0MO#M&BYBBZ(6IC9<1J
MDIW<A[2^MWB(/WK.ZGB#((=)!=#7%I@P#N[*[D8^3BYE=-[#Z5E+;*[.Q+OY
MVO=^_6[:F?[7M:[CL?))3FBF_"#Q9OS<=Y)9NL++&`@C;N^C:UCO<L?K%U#V
MN.)2^IFXD-L?(`C]UJZ7-K::]DS.OR7+]0J:UKMHF.4E.;T^O](?6<7;]#X`
M?R0MSHS#=GVY,177Q\3HU8^/39>]M=#2YW>.RZ/'K9@XHI:9<=;'>+DE,\R\
M:K%RK9)5G*OF5EY%G*2G_]3GZ[T',ZGML94!OK:X&YH,;@#[JMW\I4;,O8WV
M_2_(JF[<9.I[E)3]"XUW3NN=+IR:8MQ;VA]9[M/$?R+:_H/7/]9Z;DX;7.VF
MV@:BP"8_K_NKC/\`%Y]<!T;,_9V<^.G9;M'$Z56'VBS_`(M_^%_SU[#[7-[%
MI'Q!!24^6W=1L=^C@AXF`L?-M?J':`F3WU7H/UE^J&+DL=EX)^SY`UV#Z#C_
M`.BUYUU)[J;C1D`UW-T>PZ'X_P!5)3>Z8YE#7END@23S)]RG?E3.JJ[;:<)N
M3:-@N>&L:>8VES?\[:JME_FDI)==,JA=9.J>RZ54MME)3__5\])4`5)0[I*2
M;EZI_BR^N!R:F]"ZA9-U0_5+''5S!_@?ZS/S%Y0%I_5__EO"_G/YYO\`,_3Y
M_-_[\DI^A7[-AWP&`2XGB`O%/KCUW&ZQU=[NG>S'HFNEX_/(/NR-W\IW\VO4
M_K7_`.);._G?Y@_0^GV_G/\`@O\`N3_P/J+PNG^D'Z/)XX_LI*=/]HY63TO(
MZ?>\VW5M;;0]QE\UN#[&[C]+]!OV*A7G.<P%^OF/%6,?_E'&_K=N>#_X'^^L
MRO\`/XY[?1_LI*;;[]PT.B`^R5!O*BY)3__9`#A"24T$(0``````50````$!
M````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`
M8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&````
M```'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#
M`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!J`%`#`1$``A$!`Q$!
M_]T`!``*_\0`C0```@("`P$!````````````"`D&!P4*`@0+`0,!`0``````
M```````````````0``$#`P($`P,&!@P/``````$"`P01!08A!P`Q$A-!%`A1
M(C)Q(Q4U-@EA@4(S-#>QP6)38R1D919F.`J1H='A4G*"0T14)556&#D1`0``
M``````````````````#_V@`,`P$``A$#$0`_`$B0(+CA36M:BE3X"O/G0<!.
M(5I-$DZGVZT\*?)2G`2J+:5%/NI6:5TK2OMU/.M:\!C\DO\`8,.A+FWJ>U'5
M3YF*CK=F2E&@"68K*5O+%30JZ>D>)`X"AKKZA6(P4Y!QPF..X4+G7-+3SJ4A
M72XF*RP\YV_PCJ2!XUX"'Q?51%\UY>;BSKB/?J]#D/I:32O^\?B*;4.G6M1P
M%KXEN[A&</I@1I;EMNCE.U"N?;8#[AT[,65UF.^XKP35*U5T!/`2^Y6CJ"E)
MU&E-:5-`.9H:T/`5W<X2D]:%!5#6E?`*'L-#P%5Y#!4BJJ>)*B#0D\S0#G7]
MK@/_T%"VBUBJ24U)'CH?:`-?$<!8UMLY5TU145%`1X>W7Q-.`C>X-_N6.0$P
ML=@KG7R7\TT4,&2F`MU`4TI3(2L/2G6U=;:#[J44<75)2E8"Y><;E>91<,BN
ML>^97/D)93#?E.3_`";JAVVHC+;2G/-RF"M*BVW1EOXEG@*7S#"\M,N8P+?.
MENI4ZOJ\H$1FZ:N/!#1:A--).BE](2D#55>04A=+#D;#JVQ;9]P7UJ"BRPX&
MD.`$U#B&U)<.FGNDGV^`"06C"<V?CINT:SN!V"42FX:T.^97V*N`-KU2IPN5
MI5.III7@#CV9W7C9]:T6BZL^6R*`E464%K6M4AV,@)6'N[\ZB:I*%+4%?$0:
M:@C@+#OUH!"U!(UU.FE="54(KJ=>`J"^0>MMQ%#U`T.OB#H:Z>.O`?_16/9;
M8I2D534`_+X5]FM3P&9S6^L8%BDN^+BNS9BE,P+-;6&''Y%TO$Y?8MT%B.TI
M#TA3KQZEI00LMH537@*OV!V(]7'JME3XN!8LG'K3)O;\&\YYEKZ[/9+&Z%*7
M<D1S%8EW&1)98(Z68K96%)2VIQ`JH`R_;S[D9RPR$7[-M\KYD]["04O6?$HU
MGMC)+J5J;BB[7:[]"UK;'2.D!*@!55$*`7+<_NWMJ\7!1*DWV]*BK;0^N]3R
MIR2RI95UKC(:2VXI04:>Z1U4(-`.`H#<CTD[78VA]F+C\)2NZ&TJ+:`JK@^:
MZD$$J%`#HH_)[0#[,MM;;C+DI$.*PVEA`<2@!"4+96.V@MDCFFE"=?P<`O+=
MK&YVW640=U<.8*(DB9'&76MCO(C24E7;5-Z([J%L./)6`I;92XEQ"%`@DG@"
MIQ+(8&>X;:LD@56U.96AU*RT7&I4=Q;$AE_LH2V'0MNI`"110(%.80;)+>6%
MN*Z30U&E-1^$CG2AX#__T@1QVU%:V^E)-2!H*5K30>-17@,?NM:5P;KMLB5\
MQ#N%TO*VI0:4M<>;!M2`E+6J0V_(@SY#:55"@22""*\!L0_=_8=;++Z>-OX$
M2($O3'[O=I\I2"IRX2Y]P<>?F/ME:U%UXN)405*`":"@T2!]7^TQ;-!4ZN(T
MY'55MU3ZW%*8*4!0-`ME3C22FI"DIT/,"O`!AO#>[&F>P^8\42'&XO=:#/<C
MJ#,WJ;/0ZZ@J*5-)()U3TU&FG`!)NU;VYBG)4"0I3;CE0DI2$`L%3K?:2H.H
M35C1.M0:'@%I[NP3&ER7YC9:2&W6FT"G3W%U)2"H)/:5KH![M1SY\`$U]M\>
M]V/);:XSU,NV^:$)4%+[:E-NE"A7JH4E8(UTTUX"K/25-F"W9]@S\?\`B&/W
MB)=K2_124IA7QJ0VN&DFH/EGK6.D5J*FM=.`NO+K;\V[0:IZJ4^4GG0Z_M<!
M_],;,+L@=4U5.ON#0>WI_$2!P$!]<EIN=@VBV_R&V(=9<@;GV2"_+;2I1BLW
M.SWQ22MOJ"%(<D0FTFNO50`@FO`;(WHQ5;;5Z:]I[DVD36XV`V2;&4RNAF/O
M6QN8E?6X""7G"FG7I10*ZT-0BF]&_P!OEBB[[,M.S\W(<4@2$Q%I:6Z\_-"6
M0N4Y`D.N(6XGN%24'L=*@D*%00@@([_J5M&YKDZV91@5WQ6=$4@)E/?/L1T]
M+:'@I`@09"5!\T2A392.H=5#P$?N&38Y_1*_W&2M`B6>X-,P'9)ZPPJ6RLM(
M604E:0(HZ0`5*!TY@<`HC>O>&W7>X7&VX_99EW?[U1+27I25N@!3_;C0HZRA
M,9ESW>MP(4?RM*<!1&&2W,B<NGF;<Y"2D.17VG*A*D/H4T%!`*P@I(U'41P'
M'TEXTMS"\ONBH:4J.4N6IR10DN*M<93G02=3T?2'@311(KIP%B9A;`.[5)%0
ML?LFE-:<_9SX#__4ANW%D2XN-U(_T%`:\]#X#D`.`+R7LG&WCVWS3;BY*MT6
MSY+BU_9FSKC;W+A]%3F,>O$C%K]":89?FB?8\V;MDD!@%QQIMQH`]>@,,]'5
ML8@^FG:Z/*CK9EPML<52Y#*!WH\T6.%YGO-2&_FEMR2OW"GF*`$<`)'K:VK]
M4.1[3YCD>%Y/?$76#<UIQO&+7.AVNT.V%=JR$27[^TAQ7NPK\[;7D-M!#RH:
M)0\TIY4=/`+@](-EW!G;UV#!\@S3+,CLL5J/*RK&+J)E_MZPF*V9W8N5V0AZ
MRQHD]0;4HO.%2.E+2$K4!P$3^]OR&];1Y#%PG::<K'['E4RTWJ[F"E3CD5MN
M"EN7&;2HK6&4//J]](4X!\-33@`"N^"7RYX?@%UP;*)7E7(ZI&XP3?'XK\]U
M3REE$%/DA+2$P@T`^IQGN**QV4`]1",8,[>;5<EVR8INX,!3C7GXZRM;C+CR
MW4,224H)E-/]0*Z44!4=(]U(&CZ<L-;@;+7"*A#*I,;<C<MB:ED!*F7V<GFM
MQT2!6H<5`#"T@THVM%/:0A.>6E31?'1\/6==-03SI7@/_]7O[51$K5'54Z)1
M04TTH!X4_P`?`,&PS$OZ26"YV%%TFV%=YMKMO1>[<LM3K0\X$*C7*/J4K<@2
M4(="%52OHZ5>Z3P!*["-S=N[<<!OLIIZ;B;5ML+]Q<+*&[NB$RU&;R%MEN1,
M"(>0,I\^RQW0IIJ4EM5%H(X#YZ@WYZ<:?83/6NQW-*W);+KOE8[D91'3W$,D
MI[2VTD'4I)%"E0)X"D/3_8L"M]IO=UQ46=JYR9"8M]N3##4J0T&BAY,5Z<I9
M;;4T\H+#+*$LUH0.9(*7^^`Q63,RK!LE94S*B(L,>`IQE*&U+<ZGDI4ZE0!"
MD(;12H'NT-*<P`/8>);;]9G(SXZD0U*9?2$@*8<:0.MIQM:7TM=M1U`H"*T-
M.`REXM5K1GEHQ^RP&FW)UT80XH=PJ=4I\!2EJZE!PGI/(!-!H!RX`_=F-MXV
M/;,MW)"WW3GV5YUN(OS#(96TUE63W%^W,-I"W.J.W9V(W0O\I)J!J.`'C<ZS
MH:<D@)H/G1330@J]GCP'_];-;2.I/8`(K1`YU-0*Z5X!H&T*6U)BZZGMU^4=
M.M=:<!-[[;F[/N+.C-O]N).L=JE-I>'NM,)A""V@*0A/>0UY-2$U)70`$J-"
M0$/U:9CG687G'-EL9G0;69EF<NV07^8^4PL:Q<2D6T7:6TA2'I<^6^4MPHK:
MNN0Z34MMH<<;#(8]CD?:G;"'B6"Y%<[$;0V]<KID:)5J^G;U(9D>9N;\]RZ0
M)<1\N/*4DI1')0VH!%`1P"3?6YFN[N]=J@[DR;L$XTU?!8X*66V9#,M[&HZH
M1`;?0H"._&05.!-%>Q7O<`+.Q&XBL!N4UJZ1F7;5=5H-ZD>^#!?>)[<]!"35
MII:/G$I"JHJ0"4T(%+M+C,C)/4G'MKR`Y(8FF)#04*6A4N0E]+:U:+2$!8)K
MR"02>`<)N7;[39+<W:;5&9@VNU0F+9;H;((8B08$=,6+';!*B&V8[*4C6M!S
MX!8V[,MGN20FG-WQ`)^(\O9^#\7`?__7A^U.1):7%/=TJD$5YCW=/#G\O`-!
MVBRIAL1JN@CYLC4_N=![>`O_`#V\PW[MA]U0NO?M\FURR@*ZTQV)K#S!5H4]
M*7)J_$$T`UJ`0"_U,;41MQI<:X-RKE"EW1%NQ^YOVB[R[1+DP;=<7+O#49$)
M^._'1&<#R2IM:0CN!22>D5"N&L0SG8=K)HN4'*_49MC?YLV7CRLEW9O6';F;
M;PKQC=R@)LL6]+??LV;6>PW:4S.CMRV6)@3&2EQQUMPI`+;]7V98->+=<GMG
M]M\RPRQHRF^3+=:,_P!QC<[7;(#EN;C1F(MLLBIJ7U-2CW0[YKK="G$]=`F@
M`+L%CZC?+B,SO<J\)OS\J--#S;<>VVR&XV2(]I@J[A2(7P)<<6XZK7WN`:9Z
M,[0YF>_F<[I+8,?&\3\RY"2GJ=C>>F,J@6EE"U]($AAI"G?%0!.FM0!7[P9N
MV1*"'J_&002.G7\/CI7EP"Q-S<D[[D@]PFO<Z?>J-0K7EX^/`?_0#G!<Q\HX
MQ\Z*51H3_JTX`\=M-U4,>6"Y5/@_+`H:IY`J'B/EX!FFX>WVY>U&\.)81N%C
MTG^AN7;-8GF^(YDPW(1:KM<[XXPUGV*NW+H$*'?\*O`A)4QW.XJ%+CR13NT0
M'4O(;MUZMEJNA:\KV7V69;[8`DQ"4I2DA*PIE]EM*>IM*1152-.05WO58H4N
MP+L*I`FJN"426UJ2!'=BI84TM+JW76V@\[44"EI(^(GW3P"*/4'C$&!`NJK6
MPF0J/(=:E+![='6D*ZVD]P%MI;`03H:](2/;P`I8%B&1Y_>+3CNWMLEW2[N.
M-N/MQFE!B)[W9_C#O3VHD5E*"5NN*"6T`J40`3P#J-O\<M&P>UL+"($IF5>'
MNJZY7=62HHN%^D--HDJ84M*7#"BH;#3`4`>A/50$G@!7W.S<O]]*7J]14/BK
M[/ETJ/\`!P`&[@9&5I?"7`5*ZZ4/MU)_'7@/_]%/^.9U0MCO$*`30%6GA[.`
MKK=[U+BWWW%<4CQW+YC5KR&P7;<:RQ;H[;',FLD*Z19=SP?Z3C!Q^`U>K>PM
MF2XV.H!T)H1UI(>H=MGEWIW]?7IBVXW-PUV%G&T&Y^+VO)\2G(>CIO>-3A%=
M@283DB&_*=QS.</G^:M=RCAPNQ)C,B*\%#N(4"@?6/Z;-RMCK=<[LW;)^9;>
M,(<DV[,K7;I4Y=H9:(#+&41XJ77+-<FP$--/E)BR5*2$.)>)1P"1\L]0M_N*
M58X(\YB]LMS&XC"QVE*;!<*R.ZN,IUE8;!*.IWK">DA0!X!=6\N2WM3=QAW,
M!F'-FN3)CA?7+>\VIGL27G6SV&4)=(4>DCIZC36E.`N_TRS+/M];K]*M+9BI
M?LUD:ER)#@7.DS+NR;L\I\`42$1&8X2$T0$G352R0E.<;GF1WDID5*@>:OV-
M=>7`"!F67AU+RUN\^HU)%2>0IS!KP`E9?D2'2\\XX0G6A_R>P5'X^`__TM8O
M(-VOH>WN)@.==V<26VE(H4Q%*2D%]T&J.I(-4)(U(%13@!]3=%3W5/O/.O27
M7%.OOOK5U..N$K<<=63U+4M:NHJ)U/.O`;+7]WD^]]9]#^\?_K3OUE/E?2SO
MMDD81[Q<I9^B=F=UKFN+;(&8!QY1CVW#LI2EF)?3U!J.4,324AE_N!Z12%PK
MG"0XVJ+<+?<(J5H6DM2H<V'*:"DJ2H=QB3&DL.5!%4K2?$'@$(?>2?=%[9;F
M6JY[P;`OG:;=&&AZ:,>MH,;;_(9[32WDI3"C-+7BDN66PBL5*H1_*C54M1#3
M%]1]WF87ED[;_<:+/QC.;&^J+D]@NK+T&:'(TE_NW",H.&%<;/<8Z`IF9%6]
M&?\`B0XH`\!:2(&485LM9]T,KM[F-1MQ<WM=FQ:U2T+C2UV@XO>;I9I<IEP#
MRSEXA6U]QAM7251V$$@+-.`I"_YU5+BER`*UTZJUYG6IK7]K@*'R3+C(#BEN
MT;25'XAKK45_*/+@!RRO)N^MQ*5J[8%*5T)!&I`\*\N`_]/3LER^H.)!)*DF
MM:IY@ZU(^+EKP$<8D]*^JOO`].KO3RUH>2J4X#,(GJZ=>W10/4DK2X*'W=>X
M710C\'`;^']V5^]^D;HXI;/N_/4;EK4C/L%M`1Z?<LODUM,W*<-@%IE.W,J2
M[TJG7C&&G`FWE2BZ[!2&JK+8/`;B5[3:#:;BN_N0V;-'AR)5SD7!YJ-!BP8K
M2GY4J7)?4VS&C1V6U+6XI24H0"20*\!Y?'WPOKKVW]:OJ[R>X>FAQS']K-L7
M)V![99!;2\P=QY4"YJ?O&[<>Z(6B7;8%UNS'_1>WVEH@QH[ZBEQYUG@!85ZB
M=U-T?2]O#Z<L[R>[9KGV*XYBFZ6U.1WVY29N=Q[MMIFEGR3+[*;Q,*I][9C[
M8(NDF`ZMV1);3"4R%="VVVP$W'M\)]TM,:9?4-R>M"&WID8I94F4$I#B'XH^
M;-2L*3VZ>X?A)!X#E=LV%P:4XS(0MA1ZD])3TBE?&@577D=>`J2]W\NE:4KJ
M*4*J_CYZ:^S@/__4TUC\)^+DKX_BYJX#`*_.*Y?&/S?/E^5P'=9Y)^/DGE\/
MQ)X`W_N_O[;7IC_6+^N'#OU5_;[ZS:^J?X/_`)[^1=[@/4A^]8_^7'JM_6A^
MH2?]E?MC^:MWVT_J/_YK_5KZ1X#RB</^WLG[/_6%U^J_J/\`1GOJ?^1?O?\`
M"<`36WW]H;9GXOKW_@/T_P"J+A^E_P!4?^Y_S?YG@`;L7+*/T3ZX?^JOL[^D
LR_J;^;OWC^3]'`?M!_..?G?@/Q?!S\?X/V<!@YW)?YWX?]GD>7[K_/P'_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>65
<FILENAME>g655868marsden.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868marsden.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0SJ4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````>P```&P````'`&T`80!R
M`',`9`!E`&X````!``````````````````````````$``````````````&P`
M``![`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````*2P````$```!B````
M<````2@``(&````*+P`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.6:U$:U,T(S&I*6#$0,,P!)/92#8$E$8;'C;0(;^?;WC]UG[K4E
M(7EE7T^?`:E57]4Q*W%MC;&D=]JNAH>-K*R1K[G:2LOJ[J65"ME>]W`>3I/?
M:DI,[JV`-0_<W@.\T>F^C(;-3@3X3JN4#=TN,;9@QXJ5%KZ7[F&([A)3U;F(
M+FJ6!DC*JCFQHU'<HKV)*:;VJN\*X]L*M:V$E-:$E./RI)*?_]#G:VJQ6R2$
M.MJEE.-6)8\:$C:#X;M$E(!=Z]SF@PQLQY`<N_K.<M-Q]'&;6T!KW#CG:WG<
MY873+F>F6N,>H^3XEK1MK`_MV6+6LN`@N$N=R/%Q_P"^M_FTE+&KV$!Q,_3>
M=3K^:/Y3ED]5K:VL6/&Y]OMIK'[H]N][OW%N%U?IM:(=8[V@CQ/\ZX?V?8@Y
M?3?6O+CJ6D-`_DC:-K4E/*9&.^OTV$"0T/<!Q+_<W_H)F8CQ[H]HY^"ZNSH?
MKFRQPU?#ON1ZNEUU5D6"7'MXD)*<?IV&^FQNI8V98\?FG_TF]:N8QS=MCV["
M=+6C@'L\?R7(@HKIK:W0U.$-/\"AYM[O0=2[W;1[7<Z>"2FG:Q5;1HK5+Q;3
M/=AVN_[[_P!%!M;!24TX24X_*DDI_]'%J;PJ_7'%F)4QO^$L@_(;E<J'"%UR
M@/P&//-=K8_M@L24\YBV%I#Y]H=I]ZO9&:=YLUVCV-'P]SC_`-)9M0FQV.="
M06@_RA[FJ[AX;,VT#*L]*@:D-Y<>'-8DIT>G,R'TLS7^UCC^C:>\%:3+KG&`
M),N<3\3_`+5?Q<[IK*6XPQ+;&,`:V*SM`'\HK6QJ^F6OW45LDM`TTT(_._E)
M*<6K*N:""WV@D?"5#*]4U;_S="#YA;>5Z@:YN.VFAL?I++FC;'S+5G5V8;F&
MM_4JKW._-:`Q@G3V3_Y))3BF]SJW,=]%WX._>"IVWN>V'&'LD.'DM_)Z.VRI
M]C'BHUB2\_0@?GNW?17(#/%MSJWL`LKF',)VO`_.:DIT.EEKJ[0#K+3'E]'_
M`*I3O:A])V#)O9/TV!S!Y3+O\U6+V\I*:6W\J2E"22G_TLND(W4L2S+Z5D55
M";6M%M0'=U1]0-_M(5'(5]^4,/#OS"TN^SUN?M!@Z#37^LDI\YRK198;&^T/
M@_`_G+=Z?7;Z3,BAA=L!&XC0.[-7.V;M)Y=J?F975_5S*VU-K,&8T/F(E)3J
MX?[>NL#`][&@2"VH`;@/H;[-_MW?RU<Z=D]6'6+&O90RTU-+]Y<1H=I?%?Y[
MEJ8+7FN++/8!K'TH_K+,Z?8']9M>PRT2W^S.@24W78=F5479;F&YA]S6[BR?
MS2YC_P!Y5G?5VFJL7,`)<\%S/S29G:T'_OJUVO8+O<2W^4.8/YI_DHWHU#WM
MEWF3Q\$E.)F=+I+&.S'.R&U$EM+S^CDGFVM@:V[;^9ZBX/ZQ;F]5=?6-KI[:
M<?17H_4W?HB!\5P_UDQ2UHR(T(B?-R2FCC99JMHRF:-!AP[`'1RWLAOAPN:Q
M6[L9[3P?</F#_P"171AA9BTL<9<VM@)\PT)*:FW_`*I)3T_Z222G_]/*H=PK
MMMD=/RCS^ALTB?S3V690]:.-:!S!'<'4$>!24^>O:75,?\0?DMGHCOT#7EVU
MS./EN0^N](=TV\BOW8>22ZAW[I'TJ7?RF;O;^^A=,ZC>_,JJO>"P5BJO2(VC
M]$W_`+ZDI[[!RS]B+MVYQ&GF5B8N7EX6=O=47AWTRW74F>%H8]._!9;C$;W5
MZ-.@W@^YCE2QNO.IR/3=A/\`682#O(:V1_+24]#5;EYCF6MK].EP]YL!#H'[
MC58]4X[]NXFMW$]O*5FW=:SMF_;CT`\M-AN?/_6O:U2PCFYC/M639%4Q72P0
MTCN^S^M^:DI/EDO:[32"N/ZMU;I^0S-Z9DMM-]#FC`]'AUFGK>O^\W\W:NMS
M+(J=6SDD5M)[+B@_"JR\BQK=UX>[>(&Z?Y*2E8F$X'%QWCW%H-P\!)>6G^PM
M3*LU*J=+MR+C=E7`,8?94T:_UM?SG?O*619RDI%N_*D@>I^5))3_`/_4YNJR
M%<JN`64RV!),#Q/"&_K.)3PXVN\&:_\`3^BDIZ*UN-FX[L7*;OJ=KX$$?1>Q
MWYKVKE>K]`OZ:77MNJLJ:06DO:RX?N[L>?4_M,0<CZQ9]GMH(QF^+-7_`/;A
M^C_UM9CG.>XO>2Y[M2YQDD^))24]GT+JHLQVRZ&VG8^/S+1J'?U;%JV=/IRK
MQ=8"RR8+V:$Q^\'!S7+B>DL>RE]XWM#GBMK@!Z<@;X.N[U&KJNE]6;:T57';
M8"-WG'Y[?^_I*=S'Z/4!J][QP6>UH/SK:U__`$U=AC&"1M:!H!H!'DA5YE8K
M!+AM[R51S,NW,=Z6,8J_/M[1X,24GEMQ!&H:-?ZSO_,%P?UKQ*\;JV^N0;F>
MHX=IDL_[ZN_QZ176UC1H-!\UYY]:<H9/7,DM,LI(I9_8^E_TTE,.C]29C!^/
M=HRUP<+/!T;?=_(<M&]_*YQ6*<VZL!CCOK'`/(_JN24Z&[\J2J?;*O/QX_Z*
M22G_U?,'VV6&;'EWQ.GW**222F*2?E.DIT^DU!U#G>XN]3;&WV_1F?5_>_X-
M:#*O>!K,]N47ZJ4/NZ?>T^N:Z\ACH&N."YKF?IOW+W?X-:&5TU[;QL'.L]DE
M+XN*'%NX/L\G$Q\UO8]88T3'P'"RF^O4T.VD@?ZZK4P_4MK:2(!U24KJ?4&=
M/Z??FN.M;3Z8\7G1B\L+G.<7O,N<2YQ\2=2NK^O74-SJ>GL.C3ZE@'E[6S_:
M7*)*4DDDDI229))3_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`
M90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N
M``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!
M`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`__``!$(`'L`;`,!$0`"$0$#$0'_W0`$``[_Q`"!```"
M`@(#`0$````````````'"`D*!08``@0#`0$!`````````````````````!``
M`0,#`@0$!`0""`0'`````0(#!!$%!B$2`#$3!T$4%0A182(R<8$C%D()\)&A
MT5(S)!?!0S0E\6*"1"8G&!$!`````````````````````/_:``P#`0`"$0,1
M`#\`@)M\0@`FFH)%:?CIR`^'`;5"A[Z?30:4---:4IX&G`;G"M94!5.A%10"
MH--":U^`X#:8MJH!1-#^9YT'P^?`9YNU$(4ZM(2TVDJ==<HEIM/Q6XJB$"@\
M3P`_R3N=@V)M*=N,J>ZTTXIIY<"U393;;B=^Y/4#2&E%.W6A)(U&G`:E"]QO
M9.:IULY88#S;1=3'N=LN%O<D'Z/T8@?C!,B02:!M)*B>0IKP'1/?SM8Y-:MZ
M+PVW-=6C:Q(+##B6W"L-K6A3RUIW;2=I`4!S&O`%>/Z?=HB)=NDL2X[J4D.1
MW$.!)5J`K8:A5-*$`\!AI]IT/TBNNE-34`?#2M.?`:)<K:6Z_32G,?([M?PX
M#0[G""@NB$ZBGS\:?W<`+;O&*5.#93G0>!&HY>.O`#[RH]0^T?XJT'X5^/`?
M_]""ZWQ:[*C0<]/P^!YFG`;Y;;<5%!H0-`#37D/E6OY<!OUOME2!MK\Z4Y:G
M\^`VF'*Q^S@2[HP]<U`J3"L4)Q2)5TD#[`ZZW^I%A"A)*:+<2E12I"05@.UQ
MN*IC4*;F;[$)ES2U8W&CI:CL-4"/+MPD`)F+)4`M`3L4=2=U%<!H-[P[&KA;
MYEWN#4BU6*'"<7(E2(3DA*FZI+;:MZE1^FA'T)#Z9;A6L`5)%0A=]PS^&)R>
M5'PNT7$1PI*WIEPK#8;==*W-L:,REMM"5M*20DMHV@:`<N`7DP[B6'9<A3C+
MR4I<9'475R@HE"ANW$[0=OX<`QG8KOQE.#W2'#%RE&&IU(,5YQ3S:FU*"5;6
MU5#C?U&NT%7`3.8I>K;G&.P[Y:EM.H?80MT,J#B$DI22IM::I6T5&E1R)H:'
M@/!=;9HKZ*4KX4T^?QH>`%MU@]-2]!J=!0FA`^8J.`$V00MI4H)'@*!/C4ZD
M_P#JX`9]'_7;O_+3EI]W/X_GP'__T84K1"*]M02HTYZ#;7Y?CP!0M<"NP!/,
M#G_30G@/!F.7QL=E1<?BK`N,N.9DUU*@'(-O&\#83H)4LH4$5((0DD4)2H`;
M>RF)M3)LVZWLI>E-1DR7/,%M3=GC$H<2MQ1:6%2G60DIT*4E2--$M*#\R"3<
MLJRQ5RM[<:W6>,5-LSG6&WKO<&&%T4FWE+;8MD)!204BJEBK?THW-D`UW%D7
M:=:Y`")#J%-JMV-VUMI,N0N6\I*$WAME:7&TN;$+1&1TG%.#<M"2E)2L(A>\
M';Q*^X+.(NR'+GD+LMN7?(S2_/-VJ9)6MV;+OL@#=+EQ8S)W1@4J*P5+4D!+
M8!<+O$G76\7!+#+S;;<I<2VM!04EN%"2%-M'Z152FQNW"@)4KF3H&T8IA,ZX
M7"-$6R\P7PMR'*Z>Y2'X[:):T[5))^F,I+R3XH"]"$*!"67VD1\NQZ2N*[#$
MPPDI<O5B<;3T[U;"`#=;4E2NF+D@**'0:I6K97:XL+6#A]P+-"MDVW3+>%&Q
M9#'\Q:WU4!:D"@?A._2E*5I="D@4"DJ&U0!*>`!=^MNCA`_$T/Y<M-/PX`,W
M^("VX"FIH1\.51R_$\`'O+GS^RAKNI^=:UK6G+@/_]*'ZQ0=VPT'@*?U<Z_`
MG@"W:X;3#2GY!0VRRTIYYU=`EIII!<6XH^"4)!)/`(OB^;#/N\E[O%W;2NVV
MBVRLG7:RH(+Z(*($+%+*@E/36X_?+C:VW04U=0E_4;N`D+QV\OQ\-DV9,AEM
M$F2N=<9D=;B)MP?N$J3%L<-IW:MQ+Z;+#?G+4#^BXZT3N#BJ!FL:MMLN<V3$
M0XV\Q%8;E38D)3;4932DMMP;5%#P+>Z4A16A!*2@=#:4J25`/%DMG?AIO\^&
M6[M?K!!1#:EMM"-"1D]U7%A+DPHB%KCM1;`W-3'@L[>FEQ*5J2L)`X!",6]O
M]RA7+,;Q*C+-^DV>X-0W74.N+D7"^-/,393J7`Z5K@6Q<U31<WI$E+"J51J`
MYB>T>_0;C8YKUN<6U.BI3)=2V`I4SJJBK7N2AHJ6IT*=.XG=N'P'`-G;?9T8
M=EMUSB14P[G#DM/1G"/H=D1%F0AE3"FB%MRXCSZ0*[%;$)4"FHX!B,7[?QK0
MB%,M\9J%D%H=0H.*15SJ.*ZDB#(.QM1C/M)4HE-2M(</TG80&;[X7_';SA$E
MUN.+9=HI3)FPVB5)B3P$^;F1!4H1YA!#A(T<4$N4#B0K@%EA36LBL;%P3TU.
M_J19J6^2)C'TN@<Z(=!#B!_@6.`$^20NFZYH0#7P^'QH.?\`?P`8\L/6]E#3
M=N^=:<J\Z?\`AP'_TXKL?@Z-DI(IM\.6B34>'(<!F>ZD]K&.T>>WE\[0C&;C
M!:5K42KNR;5&5](YH?FI43\!S`X"&S%\]>L^97B;"48\FXW"$^R[NV!#*;FF
MXQF5<NFPPJ+'6HBBSTA]NIX"0VU]W!:>V%LE+=0Y>):8T.(%%149#T>#;Y+J
ME);/27;X"NF%(25=(JISIP'3'?<7*QIQJ!$6R]*ES5.%I!$AR7-4MK<XLA0=
M,>.VC:#1)`44[36H!S^U.919&&MQ+VUU+I>\GLO6=D-K6M<:)2:A;[CBF5%*
MI,2FXD$D?.H`V8O=,+<F^:>1'<+#S7FI+G3+CD2+)4"@42-S\A$B0XE1216E
M:C0@>'_V$_;V5P6X$A4>0\VTI*6UAV+-B;DA!4A9;2P\"M*AJ=^M.7``/N#F
MT>`IE$5*H\&6RUNV@A<"=&7UHST=6TI44]0I6E0--P/VUX`/YEW'8D6.)DMO
M>6Q?+*EF+=F8VY)EP0ZA27XQ34)>C*0'2MRJ4H;/,5J"V=T,WBWE")K0'E;W
M;WV2ZR=C25%GJ#I1U+3_`,DJ+0H5-I"D?<1P`R]O\V5<VLQB++CD9AJQ2VP2
M2TT^\+JVXML55_U$1IBI^+9\:\!M67P:)4NATK6G/^@_MX`'>6'K'4UITJ4H
M*??_`$\.`__4C9QN'4-::5`.GR`H/C6G`8'W56.;)]MV=+@I478_H#ZTI352
MV4Y!;4NHI16@2Y4\J`<QP$&\$M1<ON+;R5I5ZBU;(1%-[2PTF-!50;NHE"FZ
M`C[C3X\`3X>6+B65"+BXI#]G7D]KC-)*`EFYI@M1H3[U:A"&G%+<J$DG97Y\
M`]O\MKVNY#WFS6?W)RNRSH>*6N,8.+*O33[3%XN<ATA4AA#K2>K"M\9!!<3]
M/4='U%22$A,HY[#NZ;\R\R8#N/B`P//1$F6("`B.Y_IXK#):.QQM@%*":[EJ
MUYF@$O&/89F+MB83->@VJYOPW&7O.RE-H1+C37C*4K:VI*D%N0A;9J`LM:&B
MC4,1G/:K`.T"&GKMW?P:'<8BT^L6.5>647!M76^GRD+8MZ2I]"7$M`-*&Y8!
M'(<`(^ZO;FPYOCT>YX3<)"VWVT>8%PA2+:@%X.)66S)0R\R@$E;2W$IH-M:$
M`D$/SZP7C`PY%R=AVW1!YB++GR`L074)4$)*Y"0XT&=M`22$EEQ5#5%%`I%\
M5+@DV^+)1<+'+5(?MLB/*9F,Q@^H/-&.ZTX\V\VERBDEM12A)4?$G@,Y[794
M]O.\JQMY94RFQ7B0\SM4"AR'=[(_"+@(_@1>I24#^%HHI\P87,8&CX*2-%^%
M.=>`7GRP]4^7V5H:\_C3@/_5C\Q>*E2F@1K4'PI44!YG7@"=W1LRW^P7>!3<
M7S+T;MAFUP89""M;LFUX[<+C'#:=2IT/Q4[*:[J4UX"LQW;VP;I:+]:TNL1[
M]:6I\=Q"PE8DA<5]FB@='V.J$%6NJ2::<`3^W]QQ[/[PYE+-@?>8CF*])LM2
M_&FW:(XW%=0TTD+JQY9IHI*@I1&[?45X">_M-F.52L6L<ACO!B_9^)'::"$-
MQ;*[$8'VMP_4[U<[?9X*F0*)4WYC>`0:"G`/)VT[Q7O'L?S"_6CO]8.\J;3;
MI)R.U2IEO>O$$PU`2;C!-BDW6.VBVJW*6ASH-)0*5H*<!(U8LB_=/:.SY@_/
M6TS>HS4B&J,/,ORNO`=E.-LLMH#9'EXY6:.$I0@JY`\!'3WA[M.85`G7;MUV
M-M&=Y#;4KG2,@[@&9)JIB0TE]-GLZ!'=N-PC"4E?2;+00T=Q=J4A0#'#?==W
M&SF7$@Y]VXPZR6=^-?+A=WX[5SQV38[':T.NQ;C.LUR7D(=1,CH"GDHE(1'_
M`,3B:*`??O;F6+9'8'NTN!=KYO=[+KY9V;D'U--VSMSB,"[.3X'J&6YU):=B
M09#$9IU8@PD2KBX$I*60E:5\!5*R!F]=C.^.4=L<CN3:[8_<'1'D0E.*MD>5
M)ZS34N`U(6\MIB!/#C%?I<7&01]/TD`Z'9+/F\7[N8Q)N)9BQ\GMDG$;VZY5
M6Y3K\41IN_\`3`,>XM06E+I0LJKK0G@'MS6WE(<(H$G=0_XJZ\QSX!;/(GU[
M933=NI0TV[J5Y<Z\!__60[$TU<:&ZM3304YTUH36G`.9@5N8G,)B2F@]'DLK
MCOL.)"FWF7D%MUIQ)!2MMQ"B"#I0\!4?]VV"J[,]Z.XO9QJ\)N]I[;9K<X^/
MST/*D*38[NW;KI:H<M2VFAZG!MTQN/+2!L1*;<":@`D"M[$[(QFTZ1ALF=#M
M%NN:+@F3.6QU56]Y$-,GJ)==?1L:D!I:`5=3:LIJ`*K2$W_;OV'2<QN,Q,J_
M8VFXOJM##*[];&YL]BUPO+*@2+>S;[Y`DPUN&/N<1U>DE9JH+W;5`T'>OV=X
M7@?:E(EY?-3?[/BERM"F,39EXY%GO*CS+DQ$E2V)2YX3,E-4+:Y3J2`HU"0$
M\`<?;5[=.WF2=@\*N\RS2KGD=OB6RX/3)V69*OJS(D65&>MX;7<)<.!'DQ9!
M;4I$<AL+*MBRE*2#MSL%P[)68LRZV&VN/P%L+NENDEB+>(KJ$I*43FU.O)N$
M50=(2]'4^TI/VJV@'@/+>^U."Y#?K%=;!;A$1;&7Q/D183,2,2XP]%,6,T@M
M*??Z#K@4ZH;:`)^7`!;OXQ`Q:Q16[0PU!:<=0VEH$!3C92`IQU24@E=355?$
MC@*97OGP^XN]TYMU?0HR5KNEP2ZD?4ME<R8Y)4-"K9&#+5#6@W\!H.(W*X9'
MA<6:F0LWK%G^B7T*<;=6EJ('6"7DD%*';>VJIY@MBAJ=`F8PO)HW</M/AV7,
M=0JN-C;:EAYQQYU-QMCB[7<DN.N$N.GST)PA9KN!!J:\`-?+#]Q5T_RZUII]
M]/A\>`__UT.Q!T;VB/BD^%`=*UX!V.W:U%E/27L>+*RTKI]7IN;:MK+04WU-
MIH=NY.ZE*CGP%.+W-7W-\N[I=U<M[BI?:S2[]P+\<BC2(OI[T*;"N#\,6]5N
M+SRH#<!$(,I8WN!E+81N-!P&_P#LOR*1CN5,RX[KR5M3X27C'4D2$MOJD;G&
M-RDH#S:02DDA.X`$@<!;1]JEYM&9VJT3+M<KC(D'I-Q*30P^4J(#@VI"'`RM
M:#J5U*3773@#/[\LRL&-=L<>Q>W0F643[U&D/.,DJD.O)CO,MEUQ2UNO40ZH
MJ)54`<`3O:.I:>S45F`XAY"[>F6I*#4M)4U]RDG:$_76I(Y4_(&6P_N'9K:D
MQ+_%BK#BTI9EOLMK2T$*4A3*RZG<V4DUIRY'6F@%6Z7.V2;=YNWNQ5,;5+V,
MH2VD!230A*0`-/AS^/+@(\O<F\+E$6D*^EA2$@)(50K(W*5IN3HDZ$:U^1X"
MNQ_,A[9BS83;,_;7&2B[.QK=%&]KJN(*VQ.90@CJ]=,UDNG:1N:634A.@1O]
ME;3(9LTB3(2I,*\1HZVE)`J7K9>Y4)].U1`WKBS@FGBDTY4X"7_M3CK.(=CL
M(M89<CN/VF1>7VUMK;7U+[-E79.YIW:IM28\M":$#E7@-(\RC]Q;*Z].M*^/
M5IRI6NW@/__0CNQ&>*LD4YBGQ\/#QKP#I=MKN$*CFM2`V#J0.8'CH=17@*F?
M?^WS;OW>[]V^YL.QKLSG&4W3RT@J=DMNIRB0Y/:4M3F]U;<9Q3BE:DI03X\!
MY_:?:+VQG<VZNV6Y2L1MDNS-7BZ-QE*M42X*N(5$@RI026VI,^")*FT5*EAH
MT!IH%B/VG99;K)E$.`W*EPX;%O@.)$AMU#+BW6&^H^ARA;4D26W4IH55IH*:
M@#=[QV,G[FILTK&YYZ=FBRO(PB4O,2)3["6T276PM"U!"4*2D4H0X::T(#S^
MSO*/=388#.)/81.N]H+R("[NRZU$AP8KSC;*EEZ3)ZG0:)J`=Q*?$GZ>`E.P
M?M??;$;G/SV_/9"+B^KR-F#41N%8V7FR'4-/1T=::\XM0'6<4J@K0:ZA\6,D
MGXE/DX_(\WY&2YLMCLDJ0AU+I6&FNNE,EII]24':EU*4**?NYT`(=W%/>C7F
M=.*6VFFFMJG"@NA;+C55'9N!4IJ40H@[34_#@*SG<#WOH[CCW,>V^]]F[/W<
MF9/ET>Q]G<JFH(G=JH>,W6$W.N=@4Q(AQX,B;)A2>O)EHD(5&EJ2>CM2YP'7
M"NREQMMM[6=OS&2J\N>9?RR4R"8L%5WN[=QE-I="=JX]KA;VT_:5OM)&@5P#
MXYQ<V8\?RL?:W'CLI88;20$ML,MI;;0F@`2$H0`/EP"L>K']P=7?_%MYCEU*
M5X#_T8KL1NR?TCOH?I.A^%-.==.`:W!,B2RMD%RE2DFJO$$:ZG@(_P#^9#[6
M9%Z3*]U/;9I,FXV^#!C=U<<C,@NS+8RTS:&,LA(8052%-05ICW%)^H,I2_R2
MZ>`@O_?V>X7'N-@QS))UNLMQO%MODJVLNE,.=<;.7TVR>MI0V*?88E/-(5]Z
M6WG4"@6L$+)/L6R?#^YT-IE4N.V[DW;IB19E.+0TM-[@O-1;A;%DJ"FY2)LV
MFT?$Z4X`P^YC*^XG8F=#S&P8>[GV!R!"9,2%.1$NUBGI`*F9*),5QJ0UJ0D(
M4'"?IVJ5M!#:?;Q[ZNZF00'HEB[==N,4A+;?7,3GV=3+1.90AP(;?;2Q8!U7
M-4*2RP'=Z?&IX`EYW[FN^R9XMT3N1A]_NMP>5&B67`\/?D6A*I"H#$")#R>[
MI0N6VYYMT%09><1T?JU<30&[[8=K+OBMJME^S[);WEN8WN"Y)R*9<91%NA/[
MDSG&+19VDQ[=:X4'R[;;00T'5!GJ.*4XHJ("WOS?G[IB[5EBK$5%ZN%RD29:
MT&C%JMK3$J05&H/Z@@;$"H&]8!/`5K['W$[7XYD.9N8W;&T99'O%R:O\!:X#
M-S<N[+SJGTK*9*V64!_J*0\L*4"FJ=J@"`+OM@O><YSE>8=R<J7%CV.VQ_0\
M?M\%PKA6V0ZV5&WM+`!DR4091=D.*.ZJVN22D`"WGM^KUD]358(J2#IJ2`?A
M0<`LGK'_`,AV55MVTY'[NIS^-*?+@/_2A.QR^=%3=7`!2M3\A4?E4<`P^-94
MEOIGJTU&FG,'X?CP#&XUFD23%=MEQ0Q.MUPBO09T.6TB1$F0Y;*H\F+)CNA3
M;\>0RXI"T*!2M!((IP$5?ND_EE3[[*G9G[;E0KG;I/F)L[MQ>+E"A3+4X0'7
MOVY>;M+A1)L!5%$,27T/MF@"GB0$@I_LZ[EW_M'W1F]G;\Y&L&0QKC-]`C*E
ML+3`RB+$D^=M)DPY4B.W(N$=:@WM<`;F)03]20`%B#'LUM7>O"I*I\9BX0,D
MAM6S);%.0EQ$2\IC(9N#+C2@I*`\ZG<G1*B0HC5!(#+=J_:#B\:;,<LN17^Q
M!^:7Q;G(MCOD6)]16CR;MYM4J>V6BX4IZDAT;:#PX!Z\*]N6-X<_`O,N1<,I
MGP'PNWS;RQ;&8ML>?H2]&MME@6^UN3`I%4/O-O/M$$H4FIX`IYG-@V2S3GI3
MFQ]J,M""I7T?K+3'#(4"@@`R"5"I!J#33@%WN5NMV6+NDMMI+D*)$]!MJ?TO
M+K<7T9U]6$&N_H*9:;J/XNH.8X"GW_,;[66?M3[I;X[8'WXKF5V6-E\F$W':
M9C1G)LJ;;NNQ(:7U'9$F;:7UK"T`M_24J4%40&K>TKW!6[M/=\AL.5=3T+-E
MVKK7Q3LA]=GN-J,UN(Y)84XMLVY]%P6'5I1U6U!*M4A0`/QE>0,RFC+9>;=8
M>;#K+S3B7&G6G4E;;K:T%25H6@@I(J""*<^`7GU4^L=3<-V^M-:5W5Y5X#__
MTZ]%HR%`2A*ET(`YT`J/\(KX?EP&Q3>\6+8.PW(RG);39FBDK;3.F-MR7TI^
MLF+"253)1"::-MK.HX`"9M_,@AV!MZ#VNQI=^G)HEJ^909$*S-*"5!2VK/$=
M:NDY->6]^)0ZD*&G`(%W9]S'>OO<41^X6>W>YV=D[HV,PEHL^+QRE16VYZ%;
M$QH,N2UN(3(DI>D[="X1P`AQCJ*RC'`Q=%V-XWVU!J]MMO.N6A?GV=MS0U'!
M?<5!4>KM0"H[:`5IP$^G8+W!S.V]^7%N]\CWK%KI<D07+_'3)CM*G0Y89BY"
M8LAJ+*;CR6-RUH4A!(<54)-*!._V1[FVJ]7(W-FZ17$N"/N82^A;*UNI243&
M5UHY'DI&Y"AI44T-:`[,GN39(D-Q^?(88:B,N.J2N2TAMX)"BO8"NBD(%2*5
M`Y`>'`1]9YW"RGO-F!L&.&5`PZ')1ZA?DG8N>XEQ3CS-M4`D*;`2EM*SN"JJ
MV@4"T@TF/61J#;(4%"$,LL,>7;93]*&FPA5$FOU*6554XHDE:S4DJK4*6W\Q
MCN2WW)]W/=J=$?0_:L7NPP:S%I6YI,7'%/1Y6Q0T4ERZN27/A]?`(\BH`/\`
MP'CR\/EP!KPGO?E.)Q(UCGNF\XVVV4,09"@)-N3NK_H)NU3B6@#HRYO;`J$[
M"2>`*G^ZV,=+UCSR]M/^AZ9]0ZVW?T^A7;2O\>[IU_BX#__4I)WSOOW%O"7F
M8UV388SRJ].R-"(^A`IM2W<5J>N+2A353;J"K7PTX`,R7WY3[K\EYU^0\M3C
MK[[BW7G7%&JEN..$K<4HZDDDG@,>L&GSYG^HUX#Y#Q^?AP!.[**OS7>+M:]C
M$LV[(X^?8G)L5P]8:QY4"ZQ[[!>@S$7V1-MK%E=C26TK1*7(81'4D++B`-P"
M3.%8I2HI$S]9Y3Q7.<2XTZ%S5+2)A2ZWN:4HN;J*!I4UX!H.S-\[A6AQN)C&
M2FUQV'$[4.N(6RVT[MHXS%>2^&_J1JE(T(^.O`2$]O8.3Y=.C-Y=EE[R<-*9
M3'M32Y+<)U[<#U)U"$*;36H11(40/I.M0D9P?&8EKA,!Z&PWTPD!*4I0EM:@
MD:T^Y0```!HD#X\!J7NA[U6SV_=@NX?=:<]'8>QZP3&K#'><0/-9%-:,6T,H
M;6:/+3)<"]HK79377@*&MVN<R]W.XW>X/+D3[O/F7.:^ZHK4]+G2%R7W%K.J
ME..NDD\ZG@/#R'/E3E3X>)_#@/U9!2FM*A1H3RY:Z<!SPK3QK]VGQ^%:<!__
MU:&6WQIIX#7QU\-=.`Z*1R!_'^\>/`>1Q/U$?X0"3^5:<!QMJHJ1S/X<^9']
M7`&OVYPF9/?SLXS)L5DR:.YW'Q,2,?R*XR;/8+PPF[1EO6^[W6%<[),ML"0T
MDI<?:FPW&TU4EYI0#B0L+WGVZR+-:\FAG';5C\FS7[(HBK38;@U>K);41KE*
M6Q"M=U8<?9N%O:CN(2AU#CB%:46H`*(:WV<L3EOO,M-PMK4A#?3>:4XTV'A5
M02X65N(HH)4/J`-2?RX"03MQFMFM$IF&TU&B2GW4(06VVFW3N)!2^M("M!I2
MM".`>/'I;EZ;CA@N!@`%QS5*5`&NX#:05$J^=!P%?+^=S[A7+G/P+L#8YFVW
M0ER,DR5IEX?KNQUHC6]N0R%44V7PHH4:'<RH:Z\!7W(-33EH.=-/RJ1K_9P'
M":A7/P'X:D<!U4?I1^?P^"1P'-WX4^%/RK\.7SX#_]:AJGD.7,<Z4Y_+3@.+
M\?M^W\_Z?\>`Q;G^:OGX5I3;R3]U=:_AP'M'(?@.`-?M_P"A_O-VT\U^W?)_
MN_'_`#O[F]0]%\IZI$\QZAZ1_P!\\ILKU?(?Z[I;NA]=.`N8+]$]*S7T3_;C
MT3UG(O3?VS_N#^Q?)==?1]`_W"_^P?3=E-OJW_<.K7J_77@%VP_RF_\`3_96
MWSKM?*>M[]VZ379YO]3[?OI]/*GU4X#(77R?[JL.S]IU]0A]3RGKVRO4'_7^
M8^GH5Y]/2O`2<873T%[;Z=N]-7M\GNZW^7_[+K?H]3X;_'@*6'\R#S'_`.M\
M_P#,_N+=Y2U=/]R>F=;I=*1M])]*_3](W5_S?UO,];=].W@$<//^'P^ZF_GI
@\Z_T/`=5?:.7+PI\N5?#@.B_^7R^U7X_P?V<!UX#_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>66
<FILENAME>g655868marsden1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868marsden1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0K"4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````:@```%`````(`&T`80!R
M`',`9`!E`&X`,0````$``````````````````````````0``````````````
M4````&H`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````@B`````0```%``
M``!J````\```8V````@&`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`YIK45K$[&(GM;RDI9M9/`F%"RUM<Z%Q'@K&VUS-Q;MJ'#1R?
MBH%H(EX#6CMW_!)30/5\5IBP.9\1*8=7PR[;,+.ZQ:'6%K&!@'?DK.<S:-3[
MN4E/6M<RQNYC@X'N%%S%@=.R[*+6ZG:>RZ1D6U"UFK3SY)*:CFH%C5=L8JUC
M4E/_T,0`-:7.T`$E`Q7'(>7.U!=`':3PU/U-_I89CEQC[@7?]]57IN0`UE4Z
MZF?,S[O[+=B2G9R"'`4@^T?2([E!LKT`:./HM^/=0=DUMLV3`'/D/W?\U6JK
MJ[[=K3HT%Q*2GG<S'%F2*&<-_G+/Q=M_DK/.,]]AT^EJ%U]?3J]T]R(=\T4]
M$I;M<="V0?RI*>5Q^FNW!KQ`=J/BNAZ=C.8TL/,>X?O#][^LK;Z<=A#2(VGG
M^*@]X8XMF'MU:4E-.QFU[JSRWCX*M:V%+(R3]H:\\'G^*G<U)3__T>8^L&YK
M*1^;[B?D%DXEAJ+'>8'WKH>OUM^R4N(YLV3_`%FN_P#(KEV6-8]];R==&_U@
M?:DIN/OM=8UE9W66'CO)T71T])R<=C&M:Y[GB'$>:S>AL8RW>&!]W(>_@3X+
MJ</-S0]K7V4&/\&TD.(^:2FG1A9KI(:9&D1Y*Q]ES6-'J@[7+9Q<G[1CNM;[
M8,?-9'4,C%839;59E.!EPDM8/C]+<DIS\^BYCI'N'B-5G9#WZ.&KF?B%O49E
M&2`TT?9X`(U$:_F_F_\`4K'^L3*WTOMZ>UX?1_.6CVLTT=6)_G'?U4E.5D/D
M@C@DZ>96I8`YH<.'"1\U@T9/KTDN,F-?B-5O4O;=BUO;'T0"!V(T*2G_TJ74
ML5N3TK(:3M+&&QKO!S!O'Y%P+GS<''DF2N]ZOZAZ+E>D[8[9J9CV_GM_M,7G
M]@BP>`24]?@=.&30RS?M#HWB-!'S6S1T#'IH?8ZP;C[@:VP1'G+EB]!R`W8U
M_P!%=7D9-=/3+',`$M(^])33Z-A5647!SG.+;"6DO?V.YN@<M4XU#PTO8);R
M._W_`)ZS?J_:QU3]0'$F0M2G+],D'W#O"2F)PL<V&P,AI`TCE8GU@!-%E3-!
M`T"Z.RYKF;FE86>QMED.,!VA*2GSRD.IR-O#7F"/B5N='L(-N,>WO;\/HE9W
M4,5[.J/JVD<EL@B1&Z6RM7I=?NMNCML_'<Y)3__3I95;\KI]]%?\Y8PAH\3S
M"X*UDM:#[7-]KI[+NZ+HA9/UAZ/Z\YN(R7$?IV-Y)_TH;_U:2D/3'L`]&FQM
MPK(;O`@'3G5=)?8+,84VZ=OF%PG2LDXN5M)VML]I/@9]KEW%CJ.HXFUXVN/<
M&"U\<@A)2NF='>VTO9>:VG6.5LM?T_$W`6,#S].2)/\`67)XF!D57%MK7W-'
M!)>\?]`K6JZ=9D/:'5BJG\\!FV?Y/N][MR2G1HO;<":B75'4.B!_9_>:L3ZT
MNL;@OJIUL>`-/`D;ET-C=K-K=-`T+G_K#3>["MNH^FSW-^#.W_5)*<-IR7@9
MG4KB^YE?ILW?FMC:UO\`FK0I8VG&:T<N]Q/F5S;<\76U?:&F&N&X3`&ON_JK
MH;[!'MX[1Q"2G__4Y^O(`$DP!R2AV_6;#Q=&$W/\&<?Y_P!'_-7+79%]W\X\
MN'A.G^:@I*;W4NJNSW[S1529G<P>X_UW_G+:Z+U.QM=3LAI:UXV[R-'`'8+/
M^CM7+K9PZW#&J]FP%O.ONDN]_N_[XDI[O"M8YS2W@C4K5FO;,\+A>GYN500U
MGN`T`/@MJK+S,CVO<&-/(;R4E-Z_--V1Z-/YI][AP$/JCV4=-NM</;6PF/@-
M`CXV.RMN@@K$^NV<*>G-Q&GWY#A(_D-]W_5)*>%.IGNKN'U%U+?2MEU?YI[C
M_P`Q5)))3__5\N30G*8)*5"ZOI6"+<#'L#`-U9DAVXDASM7-_,Y7*A=Y]7/^
M3*/H<.X^ES^?_P!\24T\>@LOAPD!:^);6QP$02H?X9_T.>R?_M17]#E)3K-=
M+=QT:!*\[^LG4#G=5M?/LJ_1L'D.5Z%D?T*SX=N5Y4_Z;N>3]+G^TDI9))))
M3__9.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`
M;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@
M`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0```
M``'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`__``!$(`&H`4`,!$0`"$0$#$0'_W0`$``K_Q`"%```"`P`#`0$`````````
M```("08'"@($!0$#`0$`````````````````````$``!!`(`!`0"!@8'!`L`
M```"`0,$!1$&`"$2!S%!$P@B%%%A,B,5-7&!8C0V"9'!0E(D9!?PL3,6H='Q
M<E-CHU5E-S@1`0````````````````````#_V@`,`P$``A$#$0`_`$BU\!PU
M3*%_V\N?CR\>`G$*J)>G.<Y3Z?#EX)]">7`3*OU^7)1Q(\=]Y&6U>>],"(66
M13XG7BQTMM#GF1*@IP$9V+9ZS66W_P#"6%O(8`B)FL;;(2(4)5;20^ZRTXXJ
MCR$.M?-,X7@*(?\`=KVOJY2Q-D@[/KSB(8JY*@L2FO4$C%`)(DAUX4-43!*"
M"F>>.`Z3/NY[1R+%JN.<44W3##K[P$RVT\JJV3C[0G&ZR;P2HCBHB$G/@"$K
M9]'M%>W94-E%M(+XB8/17A<'!(A)UH*]0Y^O@/'LZA4ZL(O+Z^GPPG)4\?#@
M*WM(!!U"2%YX547DGBGU^7AP%67T(PRN,<B5<93/U8\^?]'`?__04/4U65'(
M]2_K3GRPGGSY\!,E^1J6VSFN@VI?$@?"KOICCJ<;;(P0B\DRHIGQ5$150)HD
M'9+:F6QD5KM;IL(/7BTL0E"QNY"@(M2[!T2!^8[(0^28$`;7&`%>@0C,J&Q-
MB%*N:ZLK*R(+*%&<?1Z4ZH*(LL*D!H^F42H(HC&'$1$'KY<`GCW>;,Q.V"17
MU&M5=%%KW59=D`AVMV\\1^BU$>F])H<DD:12!2=5M"Z5-5SP`8S:M:]E`ER$
M<GN,QY38*`"<<7A1T`=`4Z6U-M47I5$7!(J<EY@1?MX[N;%H6R5K:R)+M<\\
MT#D8#4FY+1J"*T+9D@&J#S1M<*2_9+R4'8U*1]LUF+M-0*2*Z0("^;*$8Q)"
MC\4=_P"%#:<!<HHFB$B^*<!7]]4\B7I^O.$\<ISQ^G@*;O8"$#@JBY3*<_/"
M\E\$\/JX#__16!%;BU<&7:SW$9A5\21-E/+X-L1FB>>+'+*B`KA/->7`5)VQ
MLY?<2Y?MIPI(8D73-?%C$X!01GRG6PK:E2<%O,>OC/-N.)\/J*XV185SJ0#$
MWV7'LH\+38CS_P"%PE;8MY5<8L%:3VLQTB@^!,O,58(*]:M^DJATBO2!J*!6
MM_0&42*U61G!5AB.%'3B+I`,F:ZL:'.>8)%1U^5,!QN,!H1-F#CBBJ-@1`KK
MO)H$;8>Y,?0Z-OU8--(D+N.V.-AUR7V$_$+P*9(XJ$&IKZX24Y#2BXZV)F*@
M!$!`'CO;6XN]BL3<CO`%G(=G,`32CZ39`!1&R#H;]$6O@%01$00Z>281$`@N
MWWMRM'+%BNMX;K3%JPDF(9@H$U*9]-X6V9)"HL/'$=!Q54NE'4-4RJBB`XOV
MZ]NK.BKY-!(P[-6O)N\KGU%MK8Z56T;;N8;/0(-7L9E4(\8]4A^+I4FE;"%;
M'5E77=QKD@O4D5KIN1G"11.36FZ0L.J*_%UM\A//-,CU(A*2(%'[+`]$C7HP
MBJO@B<_/Z_#'`?_23I[G+H]5[1R1CN>E(NIX1!$3]-QUNOKK"]Z!7D2H]+K&
M6R3^TCF%RBX4*&]MO<*+'@:QJ920:FHEG-&2R+;JMV-I,LI#%LOJ9%Z;3UD*
ML)I3'X2@BGQ)P!@3NY-'7WZ4QR6(L9GY;YX1$"*NIVVB;B5,8GC<_P`258+<
M4C,550=-%P*HO`7KK6WZYW"V9FOK9(-1:B+97]C(06VT<DL0TB->DK:$2NQ(
M3(@.41?O7%PID1$$;H?;KK[EG\VIMC(F07(EJ6&^IYFU^628C9$"JVX]$-QH
MR5$)&L_3P$[>]E&GUY5-B\C++U6<N.\Z8MN>ITOI9"BX]/`$V^H#U9Y!CFG)
M`]B\TOM]3/0*E^*TRY626`*8B`3T8WE1(5DPX@]1@*O.@JHA%SR2_0$;M+:/
M06,NO*0L'8:9DYE58MBHA+:Z3)F6P@N8`90DJFA*0FH&/-3#@`=[@]RWO^?Z
MB^F/=;$LT8L#!/@-A'18L25%4,`W#<1U.I4^-H5Q](23;JS`.X'"CE>6<?K\
MU7GP'__319[_`'Y^#3]LXX`ZE>1;78O>FB^DY(KJ^&\+)JOW>2:143*>"_1G
M@%\=J=@D:M)URS;<-PCLJF&XF546RE^BTRP8]*?=N,*?-%3`(J(J9Y!.[C=]
MJM-BJ*'7GRL=HW&=&;:9917I3UQ9S"APHS7(T20$=&,<U05)%54PB<`Z?4/:
M?W%[;T]#`K*78+R?>4Z1K:RB,NNQW9$QDFGX[#;9D:-D67%4L)\")YJJA?6E
M]FN]-L$^6U4W(RXINP7(+T%_Y@'F*R&V2$"@*H]Z9N(OFJ"2>//@+L_TP[R4
M-=7CM]=9)4V(M@Z\70AL*#8Q'6Y6'`])T5-!(BPBB.<X7"`*W?70]MH)[,J,
M)6<=6T-V=!>^;CNQT0C,C<:<)1%`5"141%P*)CJRO`!IOEW=D,6RBN%(GZZ0
ML*#BX.76D73)AF*&(HJ]1=.<]!CD>?2O`"!OMU\W)AS&FB=COS9K9L$G034J
M4KK@M8PBBKLUH.O*JB-N&B*HHG`'WL34>Q@1[**G5&LH;$V.N%YL3&6WV2YX
MQD'47EP'_]15?OWUZ%_I/V\GRH;KA2=\/5VY30$9,%?ZG?R66#5,(+,V92M-
MDO)41?'@$44M[`H[C8-8O7IH`](=J:EY@!)UJ]K+)S\%==;+PCNA&)#)$555
M!1?@(D4&I^R&EI*':ROHVLU%YOJL-2X.T[<8C6T7SS+;J,UXDS)=9DJ\XI/'
M&;.0(KA/A7H0'Z]GN]?>MBWK:^WVSL/.2O5MU=,HK*QB['8Q340<6)+L/BZQ
MZD]-7&8S:+A2QX\`>O:[N/\`ZB]O[?;:Y8]8$&PE13-Q&B=:G1I3T0F'W&B-
MQV8!/]"HG5U%A$ZLXX!=_N#W[MC4.R]BVG1]^[U6462,BU8*^L-:TBM;;E*R
M"6#42/:RK)6"?05:"-(4LY-L0SP$>T?N_HG<Z.Q`=[8%VK1B##D,J=U"DTT5
MVP!6VJ<I3C=,93G&N3C/R(_!X*JY1`6M_,/I*"[U#8=O]M=1MD6\[;/2#W#?
MJV/+US1W7JMZ37V6J5H63(.;A=2'VD:(849V`TJY<?ZD$5!2ND]RBW_49,RU
M?]>4,4SFB`"+\6[@]4UA]D`STM3@!?@!$'DXVB"*#P#9M1N(6Y]K=/OH`Q1Z
MJ"#!EQH;JO,P;*L8"!.B"2_>(+3\9>A"YJVHKE45%4/_U1I]R/:Z#W0]JW=V
MJE2SKINOZ=9[_0V8MNN%7WVAPW=GKW.EAI]_T97X<<5[TQ)SY=]Q!3*IP&0R
M?<E+W*!:RRZGY=S%M'S-%+H?5Y<R!%%1#534O@)%145>2>/`:$NPOMUB]T=*
MUG8"VEJN:L6*EO98P0O2A1&ZZ2^3:DH6!/28LM_H<D-"8"C""I**_`H,PTKV
M#]OM,T?8=@L=OKFI\A]=E@2-'UZ1`M:MZN;=F/NQK!^XNW8K",`"FZP3+G0R
M/(DZ`0)U[-^S&L;+H_<>%/L]HLYE=W!OYM1*E[[OJMLQXMQ%LZF3(KX.QQ($
MQQ]V.I.F0HXX!8]1,XX!@#O;K2KJ+4/W>M0G)-8$9N;!??>*4HMQ@9;>.P7I
MC;!!?9Y^H/09^#C31(K8AUWNRN@/;%-V.-K01*E^)$`H+L)B,U8OLEZJR/01
M1!B.+AXZE17#5%YBBHJ`L/W^PW)>E;7I].VTS&*)`'Y6,`@#;8R%<=!D!$0%
M,M)CEX+]/+@,C^H-3-%[@'7K_@Z^^F%7RX2E]W&67,1N.F$Y"L208<T\6U\<
M9X!I_L]OG(SN_P#:V;ZI?),1MLIB<DN.`W!]1BIGQ!;).@#8>=CID<*N%0D1
M4X#_UA5]VP[#)]F'?0-6N`H[%-*<27+<FN04D4+DJ)'V6I4VX<Y9!W="](B-
MLX:1YQX15P$RO`9`=A:&#?1#3*LLBPZV2(J(38DHB:*J)RY+S\,IP&B+V&=P
MV*\=?K;ETOPHP,6C-^4+1L)\FJ,F#:HT:DKW]Y<(OGRX#0-W$[CT.E>VK<;&
MHCUT!;&AF15,1;0G6YS"M>DCQDCQK(ZD`4ZL9+">?`4Y[`-FJI^K;&VEA%B6
M#TN>DQDGV>@3##G262ZT4Q7"*J(BHB?IX`Z=2[M#KSC\1WHLHB/.D^<;#K\8
M8[B@Z\HCUJC""N5)4Y<\_6%DWNW5EK4#95SR.-.@F1517"KSS@E;7[2X\ESP
M"I.^E57['L9LVCY185LU*B2IY=/3%:DB]#<F9,A!!A]1'E501(/'SX#+![A.
MV5K0>Z"_U1*NV@MJ[+G4WSU185X6$(Z&1:PYU0,Z/'*96..-*D=YM%`Q;^'P
M7@#Z]KVMMA-WK=SB@UTUT?6&G>I.IR3)L9%S:"F13_A*W&7*+A4-.`__UQB[
MG:Y>=U?;YW3[>:PXT>Q[3IEA!I&'G@8"9:,^C.AP"D/$++'XB_%1A'#40!7,
MD2(BJ@9*-FJ6Y=95LS5.LLZMUS7[8)[9B["-J29B<EE41]I&4D&!@0H0JPJ>
M*\`W+VRVM*W%'1]&V^BWV)IUS3TJ[-`B2XL*Z%F`TT$V.S.&-.BL6+?02(Z#
M;HFG2X(.(0(#J=VOV-E[=L:+M;2U[:O-Q?2=/H:E6,,&W5<`W4;4BCOB/2B<
MT(4QX)D(W[9O:!;0=GL+V@[LV^L5\EQ);L!I"F_-`I*ZL1GYF:+;>03D*(2"
M!90<8X!E<&X[`]GSN&HNVZ5#V"P<9+9W)MS0_CM@\D<&T:M(ZS`DJ^V"X1LD
MP.43'`0K2=YK-UCS)FG6$JTTF2KDN!;%7R84%YET$>C2ZDI;?HVM5*9-#CS(
MRJVXV0&VXX!H2`K[^:39;'![&;)JVDJY)VK9:NL@,C'DBV^-?<6U>5HHNJHH
M"N5KLE$YY\_'@%9P'NY%NRQWK]T'<J3LN\Z]H470M6&W=1QO5*-BK*BI*>+Z
M@B^].C52K&B1&FFVVP=5&14>E5`PM/JH&C=LZ>MB.=3UJP=_.?5$17I5JTVX
MQX8^"-7-L,BOBHMHJ\U7@/_0$;1-R2(;*J[R10_M9_NXQ\7/EP"__P"85[/3
MW\YG?CLYK:3K6=%-_NCK-%')V?8S65<?'=ZZJ9ZCF376S4+$(X*XZJ?,$)$3
M[B`J'VM=R)7:CN<4&1-9K:G;?EJ:5)=,@&!9MSV)--9^B8HN&)K(@YE4RV:Y
MY)P&J&]L=$]S':I*^[96KL91>F<ZKEE%L]4W-NEB/-384^"Y'E13-E_I/TS!
M5<;<3..?``QVG[#]Q-4W*Q@;;4[SO\"(I_AMC.M^X&YQ3$#Z(<J)(UFQ;GLJ
MRS@A9E`TIF"=2(B]2@P76/;OL/<6VIX]AJ5/I.BMOI^/U\?1EU,Y<9U(@2ZQ
ML;=AO9[4[5B+T.NN?<>F;P$YAPFC!BVPUGR%.D"J;:KVW(4.GA"G0#8M@0(H
MB//'2$=1'&5011$PF.`3Y_,)U#>[;LMW`W?0G%6]HG1NZDO0<DOR:C3VW8TR
M$TR`.$ZU,96:""(J1.=!#S1%X#.%"[[1MSV71P[CT,[Y>MV.M8MX#UNY`AP(
MR63$>T-IN6`LU4IICU$5PPZFD1>HD3/`.,W?8XQPQ&N<C_)+';2#\FX!1?D_
M21(JQE;56RCHPH]'2JITX5%QP'__T4_T7<)B$RLF3+:C,16B>D/R'FV&&&6Q
M0G7G7C(6FF@%,D1*B(GCP$*VO^9;V>[4BY'J)L_N-?-"B)7ZB4=RH;<0%(/F
M]FE.!6>B2I@BA_.F*KS#.>`3U[DO=-8>XB[<NWNUG:WM[*<G_/O6>F4#D;9K
M5U6WFU/8;]R2@V[[OJH;KJ1F7''`%57"8X!FWLL]RVQU5%I-GW%J[BKK=AIO
M^7OQ^9"D,5.V5M+./7*[;XLMT!9F%`L:IR%-?:4E*1%<;)<]0\!H5[,[+26,
MZKDP#;<C2X<<I3S3J$(&2"X+J*.4-EYHD<;+P(5RG+'`'F,RB2$T]Z[`#&;1
MTW/4%%`6T7`=&4#J<Z5QGGP`2[QWE?W7?&M+TQQ'&ZN6JWUO'$7(E4XV*]38
M*/6T_8,HZ@BUX>IR/&%10BWN?M*G0/;GW.VZT8#\,U#1K66,9]2/U_E:QYB#
M`<=<1"<<G2WA;)27)NFOCP&%9YQQUWU'#-QYPB==<,E)QQUTE<<,R\2,S)55
M?//`%!V?]Q-AI=:.J;2Y/MM:`A"J>`_F)=`)GAQAH'2ZGZK*]7I(2*TJ*H(N
M5%0__]+"SMG<3>-T4EV?9[:W9]57P@O2B:JV75S]Y'JHZM5T<\<LMM"N.`@!
MYSS\/+^O@.)95.2>`^'BG]?EP#,>SE!.C=MM(-S6Y%`S8:N^ZDIQB[CKLS,S
M8;Q\;\4M)DF&XR;:I&`X`,13&,BJVKWJN.`PGV_=Z.Z6A.1*FD-^[C1([4>+
M'F2#]2-#%U"&*DE3'[B,\OP@XA(TBX'`JG`,SU;NSWA[D&W77=M"UZM>`&94
M6C<)ZTM.M41QI'A<<],$'F;JIU)C"8X`R>W.@4FMPFW&(?RKQ+ZKW+J<>D.$
M1..O.%EQQTC/Q5>I%YJO4JKP"N_YV/>UC1_;Q2]FZV2+=YW<V&N=L(P&0N-:
M?K+XVKSI")"O1.N8T9O*HJ*(FF.?(,I2)E57R3ERYIS_`-W`<\_":?LDN<?0
MB_T<^`__T\%IBG/ZL\_!%3Z5\>`Z2AU$F$\?#SY)GEY\!^_H93PSG'CY^'EA
M/^O@-`?M6[&-;;V#[/['"UZ!`2R[>V;3\R!M2WLRWL:W=+X7)UE1.39;NL/H
MQ/:0&5;CB\/QBVH]+C@6)V_T=^CW=V)/KO78C&ZVA)ULJCK+B=(BXBB*F;6%
M055,I]/`,:[5[3KM'8LPVX[$2?(>`!)Q.IY!)5Y$3BETJB)A.G'5Y<`=]98"
M[!.TDF3%9!B'*=-S[L%;:;4W27J3'2H)E?+@,9G\Q_O],]P'NGWNW"2;NNZ9
M(/1]9CHXJM1XE,Z;4Y6QRHBXY8^HCF,9(,KS7@`/1<9\_#Z_#"\D^G]?CP'S
M*JCGT=)?I3X27'GP'__4P9/?87P\%\?T?[N`Z,?[2_H_M?:_5P'HM>?Z?/P^
MRO\`LO`:TOY<O_YI[7?P/^7[;^5_Q-_$,7^*O\G_`.V?Y?JX"V!_B_8OX/\`
MSE/W7[?[S'_]3^Y^SG@/4=_C[4OX5_-(W_!^WXG^^?M?1^UT\`=F_?\`TMM_
MA^4O_EG[W^[E]G_+_3^SP&`2W_/+G\R_-K/\X_./WQ[\W_\`D_\`Q_\`S<\!
9T!\5\/+P_0G_`$<!Q7P=_P"Y_5Y?7P'_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>67
<FILENAME>g655868palmer_new.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868palmer_new.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0OJ4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!U````!@``````````````>P```&P````*`'``80!L
M`&T`90!R`%\`;@!E`'<````!``````````````````````````$`````````
M`````&P```![`````````````````````````````````````````````#A"
M24T$$0```````0$`.$))3004```````$`````CA"24T$#``````)10````$`
M``!B````<````2@``(&````)*0`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N
M``Y!9&]B90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43
M$Q@1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-
M$`X.$!0.#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!
M!0$!`0$!`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$`
M`@,$!08'"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R
M!A21H;%"(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5
MXF7RLX3#TW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7
MI[?'U^?W$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q
M0B/!4M'P,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*S
MA,/3=>/S1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_
MV@`,`P$``A$#$0`_`.6:U$:U,T(S&I*6#$0,4FL47N<7%E?YOTW#_J0DI0U.
MUC2]W<#M\7(K<>\_29M^.JG3MK@$$>7;_HE7JF6.^B=OFW4?BDIJMZ>YS9)`
M\#.GXI7]+NKK]1ON:.1W`\5HC`L<[<7:^(4;,*U@,..U)3A.8@N8M+)H>P@%
MD^856RLM)!Y24TGM5=X5Q[85:UJ2FO"2E'Y4DE/_T.=K:CL:H5M5FMJ2F%KC
M77(^D2&M'F4"W]%%+>?SB/'E6K&C[31N^@P/L/A(@#\JS&WNR,W<3H9*2G8P
M*>'.UGE;6.QO8+/P6#8U:^.V""-(U24F;6X1N`4+JP5<+=)0+*S$_>DIR<ZB
M:G$?2K][3\/I*IU3'K=15E5?GB3'$%:UPAW'Q5)U,X5M)XH<0SS:_P!U?^9[
MDE/.V-56UNBT+&JG:V"DIIPDIQ^5))3_`/_1Q:FJY57*KU#A7\=DPDIH=8)I
M:P\;V/;/S8L/!L(N:?E]ZZ+ZRBMF#0'&'OMVLTT^BYSO=^:N7Q7-;D`.,">4
ME/98CQ[1W6S2=T0N=Q+\>-YL``[]ELXN70(A\^(.B2G5!)`@J+Y`\56?U*BF
ML6V`M:6[@Z-".ZH_\Y,2YKCCL=86R#W`/9)3<O`,JJTM_2-/Y[0)\V@H6)U,
M94,M;LM/<<%$!!MV$&0"Z1X!)3AVLT5&]O=:N2P;C'"SKV\I*:4?E24H224_
M_]++I"U,9O"S*.0M7%[)*:/UQHL=T%MS-!C9%=EA[@.#Z&[?^N6L7'X['7O`
MK,.(D%>C]4P1U#H>=BQ+GTN=6./?7^FK_P"DQ>;]/<UMU9[`:>)D:)*=&O&S
MF/%--?Z6`=]DQ)_J?FK1S^DW,P2^8N:)WM)D.GL[V_FK5Z4!Z#9U<?'LJ_UC
MRG-K&+2`^P-+WL!X;QN<DIT\6S[7T>FNP`@M`TTU`VK+_P":V.[(;:YSZBS\
MVL[0X$[HLVK0Z,UXZ36()V_="N#/JI<UF2P-:\PRT&6R?S'_`.C>DI%A]/JQ
M9V3W(!UU^:C66'+.[Z0;(^_8Z?[+E>>]IU8=.RH8[F_;[)U::W-@=]6^U)35
MRZP"8XUCX++R&K;RQRL?)C5)3G[?^J24]/Q224__T\JAW"U,1_"Q:7K1QK8C
M5)3T>&\<$2#H0>"#H0N%^M7U;IZ#?1?B6.?BY9L+&.&M1KVO]'?^>S99[%U^
M)<8D:@:D]H7.?77ZT=)R<2GIF,X95S+FW.NK,UU@-?6ZL/\`\,^QMGYGZ-)2
M_3NHM9BL>=#H`3XE9/4\?[5E/>RT[GQO>'<^'"TN@'%R,4X=T.W`FMQ&O'M6
M4_I5U.7OK)>T.(?47$;AXUN_,<DIWNAXO4:<8579`-&H(;](@QS^ZM+)R>GX
M^.ZNYS&U.T<UT02[\W^4YRR>G.>-K!BY%CVM/J-+Y87=OS?H+3IPK<F^J[-:
MUE6,/T.-6-K-W:ZUG^%R&_Z1R2D73WO>"VIY?BP#6XF2W_@W3]+^2J/5_K!^
MPLRIXJ%S,@.;<V8<&MV^ZO\`E^[\Y;#6MJ:ZL""]SK'QVDKA/K?9;;U-HL$,
M%+75>;7R_>DIZ]V=CYF.S)QG[Z;!+3W!_.8\?FV,_.69DOY7,]&ZN_IY?6\%
M^/;]-@Y#AQ8S_ORTW]9P+1I;M)[/!!'_`%22DN[\J2J_:J/](WF?I#A))3__
MU.+/7\:K^;8^WS^B/Q56[ZR]2>TMJ+*`=)8/=']=^[_HK-(3;04E,[L[-O$7
MY%MH\'O<[_JB@*;FP%!)3L](Z@6U&LNVVTG?2[X<L_M+J\:RO,:W(KCW`./Q
M7!X4&QU9T#VZ?$:A:_2.J6=/M--W\V?P\TE/=XH,"#H%<;$[B9A8&']8,&ML
M.L'B)TD*P_KE.0/0P@;;;#M;MUU.G^<DILO#\FT8F-KD9;MK?)H^G8[^14SW
M+C?K\ZK_`)S9&/3K7B5TXS3_`,76UO\`U2]0Z-TJKH^-9E9A'VAS"_)L)$5U
ML_2.I:[^S^D7B_4,MV?GY&:Z0<FU]L'D!YW`?YJ2FJ[VNGL?RJ0@I/$IF'LD
MI?:U)3VI)*?_U?,"G:F4APDI@_5#<(12._@H.U(\$E*I>66->/S2NIP.E8W5
M6>F]QKL;JQXY@_\`5-7*\.7=="P\@9094PD,K%SG#M6YK;&?]%Z2FG?]7;>C
MU_:NIM`Q'/#*\AC@6O)_-:S^>W_V%V7U%QN@Y`=GX-M=V:P1Z`D/I'T?4]!^
MUVY_^E8O.>O]4R>I=2FY\LIW5T5`^UC0?S&_O._PC_\`"+JOJ%]5\?.J/5\@
M6UM`]'%<UY8X6AQ^T95#Z]KFL:W937_+]=)3O_XQ>INP/JW9368MZ@\8P(B?
M3CU<C_.K9Z7_`%U>1=UT_P!?.J9N1U1O2\F_[4WI6YC+W-#;'&P,+OM&SV/M
M9LV>IM7,'@I*4HC5\]D\&-4AI\DE,DDDDE/_V0`X0DE-!"$``````%4````!
M`0````\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O
M`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``
M````!P`(``$``0$`_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#
M`P,#`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`>P!L`P$1``(1`0,1
M`?_=``0`#O_$`(0```("`P`#`0$```````````<(!@D$!0H"`PL``0$!````
M`````````````````!```0,"!`,%!08%`@0'`0```0(#!!$%`"$2!C$3!T%1
M(A0(87$R(Q6!D3,6%PFAX4)B),%2L34F&/!R@D,T1!D*$0$`````````````
M````````_]H`#`,!``(1`Q$`/P"@NW1*)!-"#7XN`!-<N&>=,!*H4,KI4999
MCAF12F=*#`3&%;"H"H`&FHRSS!`/;@)1%M5`GPT(X9$TKEE[ZX#:N1HT-HOR
MUML,I&:W2E*02:)2*YE2C0`#,F@&`R[=!O-V`5:-M7>?&4!IDIBNM-&M<PA2
M%/4H#\248"?63ION2[$UMK#-%42R^E]IYRN1+(1*<+U#3)*33NX5`CP_3K>[
M@MM+`7500'$,<F28ZU`FJC5M/+KEXB@DGMP`]Z@=%-V[&<;-Q@N2(<D%3$Z,
MRM;"](UE!4C6V'@WGH"BJF8R!P`)G6HT/AS%<M)KG0'L[:8""7&V\NOA*:$Z
MJ_[36A[#@()<X(4%$(33N(SRJ,AEW_=@!9=HRDJ<&G36I`[*9BH!]V6`'_EA
M]0X?W5R]W_'`?__0HO@1:I1EP-"?N`%<NW`3NVV[5H\)":`#+,C2.SVBG9@)
M];[:3I2$UI[`*4H3W9]V`VERDP]OP3+D@E1/+8CI(#LJ01X&&=66H\2:$)3G
MW8#!VXRY>935QO/)94PM7ETKC/)B004FBV4.N.J=DE'_`+R@D\?``*8!K=JO
M-.1&T169%P4E+2'7F)##B4`I*.:NWIMD9905FFH%3>FNNF1P!?M.VMUW1I*(
MT2WOM)2KERF8C<:X0PFFBKY8E<I3:10H#00D5`6,B`D4+I;O8!3JI#[#C;8=
MBGFN./-J45J2F,],>7<HH.E-4LR&E43PJ4E(1'>VVM\389@7QU<QHDCD2E%Z
M-(<0M"FW22EM3$G@0H`9A53J.K`)KO&RLL75$0PY<.7(0`%.-CRK[X<<1I6Y
MS%+9D/:14D:%*-:BN`$EXM"FRXVXTIMQM2TE!3I4%`D%*DY$%)!RP`KND'E*
M7X<C7@":&E:9C+`";<4()U+2D>U.FIXD5J#VUP`RY!\]6A^&E*#O_P".`__1
MI2L\)3A2"*DD9<0!49?QP!0M<`'0`G.@X`9CB3P%#3`$JWVX(&K2,AEE4US'
M'OK@!J_+BW>3.W7)5KLEI6(-H*D*++GS="WFD.);2X[/6"M:B/`UH0<Q7`;#
M9UYO&X9YA1'E"`XZVXE"%J67&VW!I#X;F/LH=;":`T*BCC3/`6)]*NGEH;C1
MI+\=IMUQ"%/)+9!*_B"B@%*:ZLS0`D<:FM0=?:VUK5&CM%,82'=`^4A!6H$T
M750*5`5*.`.7V8`PP=N00P]KBZ-*`1S6N8=801J(2-:JA>?"F`%^[=IH>6E7
M(:6I(J@%)2T`XDH4L5!4$J3\-34&N>`2OJOLB+&E6/<'DVGX+=T8A7Z,IK6T
MMJ2M2&)KJD)YP;;HILJJ0%+259`U``^I?HV-ER+;N2W)"[1?4)Y:VV]"1K:+
MD5Q0`T(6II"FUD9*4W7M(P"(W^V"BR!F.T=A[R`*=N`#=^B!33@*:G212E.&
MH9"O>?OP`<\L?/\`+TFNK37*E=7"M:?Z8#__TJ?[#!U:20*9?<*#MR[<`7K+
M;:E'A!R&=/M'8.)P&XWZN58]C7J=!!,Y<9FW0BE10M,J\RXUHCNHT$+#K+TX
M+3I(.H#`!7K;>;9T^VIM3:,1MA5QC6P3I"VU+2'7IC:!S'8^D,I2RBM*E1K2
ME`"%`6?3G:52C"=>;14Q6%E(2#4K`47%D`*/XAI4&F`M4V!9&PPPMQ00$ED^
M&A)IDH&@33Q+%:]N>`=WIG;H?*>)BI6\A'R%*""IQ"@LZTI*``K*GQ=F6`(%
MPMR60\I#:DJ7I!`T@#@DFM3X4@F@P`KOD%T:D.)4DI&GPIHC2H`I&LU/Q#W9
M8!9=_P"WHVX+=>MOS3RQ<(;\=;R`I!CN*HJ--CD:2'XDA:7&SQ2I-01V@!M_
MQY&_.A-B<F(0NY[9@7>S7OF!P2(=VL$UB+RUU"D%4IX-.(`"%\M1(JE1&`J^
MOUMH'`4533N`^SOK@`'N.%RW7!3+/L!'\_YX`,^63]=TT-*ZNSC3N[J_;@/_
MTZKMOPJA!*3P3QX<$G*GN^S`&ZP6LN%KPUK3VU]O9]^`VO5.RMQ]D(E/I/+;
MO^T=2M`4$%>Z+2UJH:A1;"RK.HRP%4W6G?#NZ.HFX%J)+:`F+#92L*0EE@(0
MTVGPZ5(;:30$9$#+*F`LU]-<R*]:;>]%(4YR8:=!R"6VV0B0"HA6KEJ`!%0H
MDX"UWIAR);`6M:?EGQ!*2JI)2D)\*5E)*@#Q]^`<78C[+,I-540EI#;8"7>"
M>8I2P$I)\(7I)&?VX`FS);+X<"42%:=*D*4"TTKPZOC+NO2-.=4]F`A-[:8?
M0D%`1XE+.M04HZ-0-<LP4TX'^!P"O;TM7EU27XXUMD.ZN8XXXL*!*DN%9<(H
M@@4`J`!EV8`8-65$S;?4RU,*26;A/MVXPRE92'7!9E&:4H*313CD%)-.(;)[
MZA4MN>V%"GOEZ0%+%#3+B>RN8P"Y;N@T"UZ2"*UX5H"*^[`!#RJ?K',J:<KN
MR_$XU_EQP'__U*V=N0R>4*=H!R]@X>\8!CMH6G4IDZ2>&9R(X=G"H&`G'6;8
M[]WZ([U,8%J1:[0WN!MT!0+:-O3HE\?5X5)(K'MRQ6M`#6A`I@.<+=-R=5N]
MY]Q1!>?06VP`$I::\(0".((`-<JUP%J?I;N[Z-H,.-B03S@?`E9<09"0$J2H
M:%@)"JD#,_9@+<ND-YD-,,(6I:%*(#M4A06DK\?:L5K3/A2M..`?_9;B783$
MB.\TE3:.6`H-)75945HHX2"DA(X<*<3V`465H4V2\IK4H)`*4%2S\9*5T6&5
M)TC@$=O'A@!WO&YVFTQ7;I=9[-HBQ7N4[)GO1H[:!(4EA+A4:H;CNNC)2E)T
M]M,\`"=S/)E1WE-J0MJ0A(:6PZ'4J2M94%-*35+B"E`S"B#]HP`78,EB4AV+
MS'$R&9*'3'"JIHRY`<4_DA*DHB374IS"?FDUJF@"N;?-G3&ES&T46V'G"VXG
M44N-FJFUC4E*O$A0XC`*OO"#X9`*<@%]F>=1QIW'`+UY8?4_9\%>VM??_+`?
M_]6OW;$8*4T*9U%/X>VIRP#9[$M>OD$HXZ2<J$T.>?LI@"[UNMUW@^FKKO<;
M!(C6^ZVGHYU%NT:3+AQIT<)M6TKK/DM.1)J'HKJ)42,MKYB5)27-6DTH0Y'K
M]N"/N!Z%=8BOF>1;1(0`H)$SE,E:4K*4Z^4LTJD%-!E@'2Z%>I&;MB):;$F)
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MO1ZU%$RX+=V\B-SV+;=EUNUK5R)#CL8#FOJ66WD(.02@)J1ED`+UK<E+WW*M
M2')`@.6>9&BMMNJ1$:FR6W)$5^0KE.-IU"`XT@JS*UBE<`J?4RSRU3)CLM*Q
M*4I7/YAU+YJ1184HYDA2:8!,MZP"G7D$UK7+B3WG[,`MWD%?7N73+5KI0TI7
MNXZJ_P`<!__60[::07&@%',TX#+AG2I/OP#H].HP68P.K^GV"N7O%*X!S(W3
MVT=1]E[KZ>WT.FQ[\VGN'9EXY"@A_P"E;HL\RQ7#DK5DEWR<]>DTR-,!P;09
M4JV7W<=@DQ7&%6"Y.6YYE2"TZR\RY(ANI<0HZ@\EV(.'`U&`L\Z9]`H&_=I.
M'8UU-EW)N"U0VXJ'8Y05MOEIR8AN2S(0&'U(0M"]*#X%J``XX"R+TV>A*P;&
MEW/<>X8$N9N6]P4(F%=VNKMM6T8$Z"LO1I3SD-2T1+I)9#A2ISDR'$@A*UI(
M#._67:NPO6!TXG;?=0N8B:W8G%-)`:CMF4S)=:0]5(4I1DG5J\0`%,!<QNC:
M\+>ZF+/>W.;#D1V05"CH4PY%\3$P*2Z'#&<<J@E*@0[3WAZ-M]"+/8%:F=OV
MY#2EI4F6Q"#"REM`;9+E52&74@$&@;0`0#0D"@$15ACVFV75AMF/1<=XJ6T$
M'4IO6*.$QV7"2A5$"@I3-7`X!>-C7&;(ZC;N@QT1GFHVSV[M-1(#)U(LVX+>
MH+ALON-!<]P/*::2E0(YIU$)U$`-NJ=M3*?GRU-!I4I]]]38(*6R^5NJ0#_:
M54'NP"$;]MX1S\N&L_<17*M<L`L/EA^8JTRT<:=FNG=2O;3`?__70W:3@+C9
MK0U37[\ZC/A7`.]TS6DJCU_M53(?[37W_;@+#>EZ`M3'#L[?:!3AQJ<!QL_N
M?=+H_2#UV>H*QPX8BP-P[O1ON&F/"3#BNQ.H-JMF^^3$;0E#:HULFWQ^,V4>
M$<I2>(H`<'T+W>/=)%JEK;0D6N''@-->$J&E!2XZKB"JB=1I3/[*!<EO#J=M
MGIGTMW!O[<MR\I;[7;),A:&TH<<D%$=U+49A-05RG5G2@`DZB,B*X"B/8O4>
MS;U]1VUMV7G?EH:3>9GUM&VC,82+$J9(9>A,S%\T%U\LO46[DA2_A52F`Z/-
MU7:U6J%M^YG<D5IB9'9C.IM$E4FZM/18S*GPW"@\VX2'VD.)(2TV5*6G2`3D
M`CZ?45O'I9<H$'J*VN[;#O9CHLF^'8R&/I[TS3Y>U;N9:4!:YJM8#4HZ8[JS
MH)2Z4I4!0G;QLEWA&?%EM!M\?+<0\E:UAU!6`A*2X'$JH*$:J`=QP"Y](9LE
MSJYNV=`C<YV-M:XQ7775L):@"1N*VR$2'VGW$O/MEEM8:#:5*YI372D*4D/'
MJ@&4>9S'%>8[<E>'/*IP%>?41]O5)IPHY2@SIV\:#A@%2\RG\Q:-0KRJTJ./
M,I2E-5:8#__0KMVE/`+2@1\23F3[.RG`X!TNFMW"#&-02-(XFE`0.W+N-<!8
MMTNO2-4=6H`$#W"O?[,`*_W$O0AT9]5_0GJ+U5E;4D+Z^]+.DV[KMT[W)8),
MB)<;PYMJW2]QQ=J7NWQ_\?<D>:8K\:&AY!=CO2R6U@*4E0<MGHOWK=]N[U>L
MS+#CZ)*+:MA**JTB7%$E2P-/]0;72F9H1@'KZY];-MWVP7G;6Y90BO6\2H$&
MVW%+B6S(-8RI:8ZR$E2E'(G,)X>T$0Z<>FG9N_-U6ZY1=S*V[<&7FYT.Z05$
M*C.H<2LI0MNFJJ5Z5(SKK`((.8=`727:^T^F%FAO7S>;NZEE!#%SN\\N);#Z
M&GY#,%EY]/EF7G2``E(&>0H%`!I.MOJ0V79W;7L&5MG<][O&Z;/<+I;K$SM"
M[W!JZ;;@2(=ON=P+SMO1;EVEB3,2E2N82XJJ6PJBJ!G="K'/;VR]=G)+\C9D
MR8J1M:+*4XJ7;HZD-AZVZW25.1(LY*TL*40H("4G@*A5=^X%ZXNJOH]ZU].)
MW1VZ6QKZNS?)6_MNW6WQI]KW/88LJR,6^!<`XT)T,*<D2E(?C.LOH6@$*(%"
M#B]+?5_L?U4]+8O4/:1%LN36B#O#:,B0EZY;4W`6`ZY`>6$,F7;I:#S8<M*`
MB0SD=#K;K;8`O?\`>M?/JL`$K/'@*5.?9F/NP"I_5O\`J'FZLM6FFKLUT^[[
M,!__T:KMIW9/RCKI\/;]G\#@&KV+N-+"VJN4'@K57:#]]!V8![^FN]FV_+I+
MV8"2`"F@SJ*FO;7`:SU/?NU>G?T3;0OBMR;C@;ZZO1(:4;?Z*[;N#$K<MQN4
MQA*X(W.\RB5%V;9$M/HD/R)VEU<6IC,R'%(;4'*YZ-^LEMG]18N]X\.+8U1[
M@ZY)L,1:I$*#9I3TMMB`R)?-=D1[+YM+3:EU<Y("JZJ5"W+UE='NG?7KI[LC
M?MEC17S<(8CW5$-*6>9.Y/CD"5'3K9DT"RE8(`4>!K@$6Z)=%MU=+YD=AW:#
M/4K;D"_">W.\_?['NENT+4D"RORK2\Y;UOMOA"D.KCN!2?"`DJ)(6]](7>KW
MT=BX=/.B2=ER#>W9]JW5?Y=WW6W9>4F),M341&Y4R]4V,\G4X6V&`4LY+6%!
M(!D.F'0AG;LSJ%U(WBM>Y^K'4Q4N7N?<-P45R`MZ,TQ'A06P!'LMIB1VDH9B
M,!#38%::BI1#*F/P-N;9C[?@-MMV[9UC9BNO(!:;$IA@.:%!.G6[S34CV4P'
M(9^Z!.W5<_53N*'NYDM"!M#8LBR,CF:?H6[-KV[?EO?<:<2WHD.C=1U>Q(%2
M`,`O?ID]0NY_3YNV1>[.'+A8[A'1:-W;;4\&F;U;VWB]%=0I06ABYV\%2HSU
M"4%:T&J'7$J"Q"5ZZ.DF[(95*.XMM3W24NPKI:5S`W3BIN59UW!#C9K3-*%`
M@^$8"(_KKTV\U]7_`#A:OIW+^/FO>:U:M>GZ=R?J.KLIRJURXY8#_]+FCE>M
MOI;M53:;8Y>=T.`D$VR$83"=-:$O794)RA*:5#9I@`ONW]R_K$M$J/L"S;3V
MG$+BQ#N<F&_N"^QD54&5K^H2!8ENZ:*HJ"M.K+,8!0-Q>I_U"[I1+9W'UGZF
M7>--4LR+=)WIN%%GTN`ZFFK+'GLVJ.S0Y-MLI0!V8`%RYDJ?(<E3)#LF0\I2
MW'GG%..+4HU)*EDDDG`%?HEU-F]+]]6B^M.$P#)0U<HZE*2V[&=^4[KTD$)*
M%4)[,CV#`="GIUZYV&5/N'3=5T3.VON:%#W3M5F0LD0'WUB-<K<V"HAL,NO(
M6E/950/#`6.;`VN+=*0Z$!MN6$/(=84FBU`ZM3:\].M-#D0H]F`?#8T=]AHN
MN2N2E30&E`!0H56D(27$*!)10U1XLS2G'`$:4]#M-HN,V6ZE:U1W5@D55\MM
M2DJ!(*B0I-30YYX!9K;M.9UCWAL_HAM)YUJ?O*:Y<=XW2.@%RP[5C4G;GW!(
M406V'8UN4I$9*LGY*T-"JEYARG_O-7ZV;@_<?]3#=D#;5FVON#:W3^UL1SJ:
MA,]/.GFT=CO1&R:Y1IUA>2,\N&`JQGAR!*9DLDAN2TP'>`!?2@%'835812H[
M<!NXBV9B4ZT)\8&H@E*LA6OA(I4.#[<!E^1C<[3J-*?AU\7=37_MTY<*^VN`
M_]/@X<8!3V)*^T#((3PTI`R`IP[D^W`82K<'2**"":!((J$#,?P[_82<\\!Z
MG[4EMI3@)5H!"-2:5-02:#,$DU_E@(TM)0HI/$'`>.`=>W;EOFUW=G]0[#)D
M):4Q`FNAM9TQIK[#*Y2"1DA$TU)%*<P&N9S"^/TW>LG:^^MM6(W6[Q+?>[8A
ME%P9ER@T5+2AIE12%&J%*4!0U%:BM<\!:YM#U)=,Y-I8;D7J$IMQA*FW$RXX
M2A:,W4A>HJ25H<R4HI0FGMS"'[^Z\-=2+C:>F?1]+VZ-S7R3%A<BSI7.*><^
M&(D/3$2LKE2Y"P`A-5K22!F4U"XOH7T0VEZ'N@'4/JIU-N#,O><?9EWW_P!8
M-XK#;K]KVUM"T2]QR=LVUU3BD-V^T1H;KSK;10W(DI375RD*(?,>ZN;YN?53
MJ?O[J/>E.*O'4#>FY-X70N.<Y:9VYKS-O4M',-"I+;TU21_:!V8`=W2(E](;
MSHMI+86>*%H(+:P*DDH('=W8#36QUQEU;+E4*3GII4:DFASRR(U4]V`EG+_Q
M_,4.K3J[-5>'=QIG[\!__]3A&=47%:@D)KDE-3P!&5?N37/('`>^,V%$95_I
M2K(9=_O4GC[\!^N8"4!"4U52B0.)/LIV`9]U!@((]$6K6Y15/$!6M:@YUSJ>
MW`:S`/GZ9WK9NVRHVI?$-N1V7A:Y"'J\M4*<I2HZU$$%`25%(4"%)4@$$$8!
MLMU^@?K5L.TO;^V-!NVZME)!F/R+"Q(E7BQ1"DNA^X,0DN/IAMHH#*0@M9?,
MY7:!FZ#>G:V[J>M0W5N]:C<!'4FVQ;FZFY+D3EB-&82P\\XIZ:[+5I#3;8<<
M.0XUP'9A^VA^W18/2CM1CJ!N\_6^J%ZA*^EIEQV$-['M<YGYK$=-'.9N.7'6
M6Y,JNIII2F&Z)6ZIP$W_`/Z0O4_^B_HF8Z,V2<B/NSU,;LC;04AM]QF;'Z>[
M/=A;KWU/BEO\1J3,;M-ID(5X5Q;LX/9@/GW:1SZK4H*4N@)K150*TJ:=IRP'
M\?25K%<TIH">)K\(R!H17V]F`CT]EL72)R:AY?XZ0#^&#1*U=VH%0%<S3N&`
MEG*_QN5[?XZ:5X]V`__5X2W$E:J@>'X$I!S`'$US%0*CAQ-<!GQ$:3WA(XY&
MJ\\QV?%6GL&`QK@RIU*M%"XBBD<:%?#20:Y+15)[@<!HYA;$0N-I"P=21G18
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M[EHO>Y>FW620U<+O;+-/NT)R):H$Z/<[1R(*UL-QA(2Z`HG_`'X/7!8/6/ZG
M]G0]F1MRV;:713IZO:$W;&ZH3$&\V#J;=]PW&9O^+*1#G7*VR5L,6^UQA(C/
MNL/)BI4E1[`HP>\#:W174V"HT/Q'+2#G2FHTRX5]IP&"):S&<<;945B@2E9"
MTZEG(E8`\`J#P'=QP&%'8"'UN.>-Y:DN+<-"3\2:D]@"5``=@&`DFOY=<J:-
M7_JI7C[\O=@/_];A33\2/]*ZN*OA_NKPKVT[,!FL?A#A\7V<1PI_XK@/#^H\
M?Q.VE>(X4[>[V8"'R-/,E5Y5=;^JO-Y=?E::Z?#YC_R95IJP&.K_`)=GI^$_
MB]WB^'1GI_CIP%C_`.W;R]?7KG?2]'Z3Q='UOS/EN9^I.QM'T_R'SOK]*^7U
M_*Y/F->>G`70>M3R7_YP]._(_DBOU)7,_3CZ_P":T^<17\S_`)A\/YAY^KS?
M*\7)Y5/E:,!S+6?X]P?B_P#,9-=7XU-0KS*9::?%3/NSP'U2?29Y+_L]Z,?3
MOTK\E^@.T?)?HY]?_3/ROY+B>5_(_P":/^H/H7)T^7^H?YM*^8^;KP'S$O4?
MS?\`N"ZX<_ZKSOU9WSS?KWD_K',_,=PU?4OI_P#@^;U<>3\K_;X:8`$R_P#X
MSOQ<#7O_`*N/;3W=OV8#U,4\J::/C'X==/'^JN=/],!C+IS333\(^#53@FM=
57]7#[:4[<!M?_I_U_A^RG'[L!__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>68
<FILENAME>g655868palmer_new1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868palmer_new1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0H64&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!W````!@``````````````:@```%`````+`'``80!L
M`&T`90!R`%\`;@!E`'<`,0````$``````````````````````````0``````
M````````4````&H`````````````````````````````````````````````
M.$))3001```````!`0`X0DE-!!0```````0````".$))300,``````=P````
M`0```%````!J````\```8V````=4`!@``?_8_^``$$I&248``0(!`$@`2```
M_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3
M%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-
M#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\`
M``$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$`````````
M`0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q
M@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87
MTE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=W
MAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4
MH;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B
M\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>W
MQ__:``P#`0`"$0,1`#\`YIK45K$[&(K6P)/`24P#84F,>_\`FVR/$Z!1!=8[
MP9VGNKE&I@#Y\I*1,Q;3]*`CMZ=N(&X`E7*L:Q_<CR1AT[0F3KRDIQ<G#LH=
M!U!X(55S%N7X3QWDA9MF/9+CMC;X)*<]S4"QJN6,5>QNB2G_T,5C$]@+G,I;
MR\Z_`(U;$+)>*7V6'EM<-^)+DE-=SBZ[8W0-6SA5!H$B5@].)LO).I,+I\,`
M@0DIO8]9=P(\U8V0#*;&;!^*L.:$E-"ZL&51%3!E[7#VW`C^T%JW5Z&-5G7M
M,!P^G60]OR24X691Z=SV@:3I\%1L;"W.KU`72.#PLBYJ2G__T:E%<K-^L`=4
M1X/:/P+O[UM8S.%E?6UWIG&:X`->U\.[R-NB2G+Z4_\`3@>*ZK"MU7%X.2VB
MW<X2`NAQ>KUAH(9\3JDIZS'U`*L0#JN?Q.O5/O9C`%EMAT!X/P1>K]6S\$`5
ML%A)T(UD)*=6TZ>2HWB?G(6$WKUV:6EEK@]I]S6M(VGCW+88^U^.'V@!WDDI
MK=2_2-8[PD+'N:MO(!?CL<1R-3'=95[(E)3_`/_2EBCA9?UYQXZ=C90;+J["
MR?`/&[_T6M7$/"/UK"=F]"RJ*VE]FP/8T<DL(LAO];:DIX#IU55SRVSM!!6_
M@]!#K1=<XO`)+`"1$^4KGNF/V9`:=`3!^2[:C(KJHWOX:.$E.9U"JFC/QRSZ
M;7B8[2M^VAN1#;-1`(7%Y'5*K.HMNO#FD/X[`3[5US<JB]C/0)L,0X#0#YI*
M;%?3ZZA]`-\P%'*`93IP/!"=F7XCMMI-F.[A_=O]?_R:65>U]1+=>Z2E$%V+
M7,:M!D?"%EY3()6LPC['5J"-HB/@LO+(DI*?_].&)9$+;P[1HN(?]8NG8HDV
M^JX<,K]Q_P`[Z'_20[/K\*ZB,7'/J1[76'0'^JW_`,DDIO?7K$%75:,RL;1D
M,&XC]ZL[7?\`@;JU"XY5."S(;^DKC4#F2N0RNLY^=G?;,RTV6:`#@-:/S&-_
M-:NKZ7U!MF/]F<9KN;^C/@1^:DIH8-M63<[?27EI][8DCNNJQG"JH!M8QV<$
MV>P#MW60SIE%EDN;J.".5KXG2\1K=0YYYD\3_524UB_.RRZUL?9@X,9N;!?)
MVN=S_-JSE&K$Q'B896TR3Y*\]H93[1`;]$>?99?5*?6P<UKM6T8MMCS_`"MC
MFU_^"%)3Q/2.O9.#EN<YQ=CWN+KJ^TD^ZQG\MJZ>[(98T/8X.:X2TC@@KA#X
M^"L4YN54V*K7-;^[,C_-/M24_P#_U/+""4Q$(H"B])2-7\+*NJH!:=&/F/!4
M"(5OIS@7NK=P[LDI[7I?4J<FAK@1O&CAW6_397L$.`*\^_9^?BM^T8^XTG7<
MW6/ZRTL"OJF0&_IW-W?1C4F4E/5964YUC,>@>I:XC:T>/9"^MS!T?ZIVTN=.
M5G/8RQP[F?4<QO\`(976YBW/JWT`].I^T97OS'C4G7:#Y_O+BO\`&=U3U^J5
M=.8?9B,W6#_A+/=_T:O324\3'*B-'0B=E!PTGP24_P#_U?,1PF(U4NRB[A)2
M-PDJQT]A=E,:.9_($`?2"N]%_P"5L;C^<;SQSW24]GT?.9A85EUH+JZA,>/\
MA<QE]5RNH]3.0TLPY>!4*HJ8P`^QSG,V^YOYUSETF3_XE;_H?SA^A]+^VN.P
M?Z77]#^=;_._S?TA_/?\%_I$E/JG1NI]>P>AUYO68RJ-@L<X>VZNN);O_-O_
M`$?N=]"U>8=6S3U#J>5FF8R+7O`/9I/L;_98O7?K;_XF>H?\4[Z*\7[)*8DP
M83'4ZI_SDBDI_]DX0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S
M`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`_^X`#D%D
M;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@`:@!0`P$1``(1`0,1`?_=``0`"O_$`(<```(#`0`#
M`0````````````@)!@<*!0,$"P`!`0`````````````````````0``$#`P($
M!`(%!@H*`P````$"`P01!082!P`A$P@Q02(443)A(S05"7&!,S4V-_"1H<%"
M8G)C5&2"0U,D=%5E%B8Y9C@*$0$`````````````````````_]H`#`,!``(1
M`Q$`/P!(UO@..$5U5J//\E*_#QKP$W@VE7IKXU'G3GR'AR'+\G`2=JV=)M2U
MG0A"2I16=*$I2*E2BKTA*0:DGEP'2M%HOE_4DX[9GIS`4`9LEUNWPW0*@]!R
M4II3X)I0C2DUJ"1P%C6G:S)I;@-P:@V]!.A/UJGV5NA1"VTR$RTM@A22-6K3
M7@+/M_;LFYNQXXO<1E]\`!I,IA!6I0Y+BHDE2Y2=1YI;*S_6YBH5%N5LY?,#
MG&++6Q.B/H4]$FQ'F'$R&FR>I1M#JUI6TE-5`BH3ZJ:>?`4#<[0?5RJ!X#PY
M@>5/$T'`5Q<X*DA:"#7F`36GF0/H/+P'`55?X:T$FE.2JT-/,^7T<!__T%$6
MFU@Z04U)H?`@U^'\7`6##MJ&&%R'RVTRRVMUYUXA#3332-;CKBUD)0VV@%2E
M<J`$^'`19ER;D4]E9T0[!UTM1VY3@C&:$*+GN7"H%1ZB15+:@4!',H4H!0`C
ML&2'IC,:%;W]84$JDNQG;@RX4I-4-48;<CH+E?4VXDIKR!2*<`5^+;<7Z])0
ME5QNT!M8`$9AZ2Y'0A2$GI14NZULE*0?5IU`_*4BE`L2)VZN&/(=]U+>7(2%
M/.=-:BXM2E+4N6Z7`J6344+R7$JI0I-34*CS?9F]QNJ&Y#\Z0PR'$.OE2D.J
M;5I3UPM1;+I4G4%`)JHD*J".`">^X#?5.WQTVCHBV./..^T0\6BRA1+B7&EJ
M><C26$\U)U%)`-`FE"`_WZTT"B$`>8H.0/QI0T%3P%-WZ!J;<30U23YTH17S
MHFHH>`__T5FV.UE12JGC\/@17X<![F11)<Z;C^&6W1[O()2URZI6I;=H@A#D
MA82E;=0Z^IM!"M25H"T$$*X"JYEQ<N.6"Q0%^WA6YY+245CEY:8[Z8[3TH]%
MY;A?4"HI#B=8/,$<`R?9/%VK=$8+S/74M+3@0I((11(7Z!32/R``>0'`,5V^
MQN3<6TMQ8[+!^9U\I^1)2A2CHJE`JE0-.53P%Q&R&''D-OI;<HA""7$>E02$
MD@$*0H#D:<^7\G`4UE^/Q7A(<0!4`J2:T!425%2U#6%$$4YU-:<`+L7&;-%W
M63;+K&0NS[C6>9!="VPIAN_VFLK6E>L=)UUAI#J12JE)<YT)'`+/WAPM.,Y?
M?[4RSTHC<Z0N$@T]$5QYPMM`C4E094%-U!H2C@!0R2W]%3E4<E%7A2IYD5YF
MAY?FX#__T@9QRTE:FP$UK2M!XU^CZ:\!!=QKPS@UVS/*):6T/VW;B+;;2%`!
M1E7BZ7U"UC4%"JDLU-*52U3EX\`+O;R\[D^:W&7*5UI#[\!T&B24JD+6ODA-
M$(1JY<O#^7@'K;1Q6'6XJ60E2^FCEI"@*:`=-*`DIKX^?Y^`8!MM#]M*;0MP
ME;[9:<J-(#2"UHTD*%%BIH1P%QW.V-*!33TZD)(4I:1S30`ZB0H$&GE3@*<R
MRQI2S)4TD/5:>6&E*2E(KJ4$)-%)``\*BG`!OG5ND-LQKC&*?OG$[I"RFV+<
MJD&39Y"7);+R@G5[6=;7Y#"R/Z#A(YC@!&[ML6BP\P1)A-@0Y<=TQU!"62ZV
MDMK#VA-2@.+>)H.7/PK7@%T9?;1TW*#FFO,"OD:T'QX#_],=\)L?54T2@5JC
M30?V?`^%:<`%_P"(#$F8J[%T)6F)D.+6]#:$C3JDVRZ7Q2P5G4=#3-P2HB@J
M2.?CP`B]JE\6G-8;(<T];4'0A:@MQ#(^ITKU"BTNT*:_"G`/[V5R@*EM*24:
M6@VA(;66PYITZBE25#0H*!'T'\_`,HP)9D-,S4:W--%+0ATU#02E0;4NM3I6
MJH-*GSX"Y4LM.I4^$*2M02M:EE*BL"H/K4JKBR`1S0.7GP%<Y,XMMMPI6VJ.
MME004$&H0HIU(&A-1\HY'D37R'`"QG#)?*VVT'5):F1'-`*5K#Z'&M)!JDZ@
M3I\JTY\`*?<?_P"16S&;CTF2Y"1<H3SC:2`I"GTN14J22=):81T]7+4$@\`M
M_,K8`'1I/,*\B:T/\/AP'__4C6W-E2XJ/5L\]!\/#Y3\.5`.``/\62<K').R
M5NG0H+-GO]BSGVMUU2/O/[VM[EB"H*VP^(RH*F)[2D4:+G54H:P.1!3NQ>XL
M+;S*6KC=(B),9EOJH5U`VL/MU4$-*6DI6%DC4DD5`^-.`<5M=W;6*-#@RF<7
M=(=2AQ]]?O$!)<*"@M,IA!;M5J!JKHMKJ0%J5Z>`.G:?ONQB^YWBNUT>WS<<
MR[*9T9FW1)#1;M]QBQV%N3'H,I;YCO%DL$+0I84"I/F=/`3ONX[K=]>WYB#&
MQG%XF5/RIB?;R+;&$UZ7"<?48JQU7_;QWW&"E+B55HI*B@JTC@%_0>_#,=]W
M;'-LV;WJ'?;/=$)N=EL^*W^$,9GN*D07&;U)DZ;>EOW$1U*DD.+=94%AHLJ0
MI0,=LU[RB^8&Q>\IC0F;R@*>"K>^IUB5T4$H60M#+B%.%TDHH`%#D2!4A76>
M-RK_`(#C5P<8;6J7$D^[?3$1'6U-9<`?83326T+*$D'2$N);2H*(/(%_9Y:2
MUU_J^:==*\OCS\*>`X#_U>YM9##G0)U5HDTY<_#\H\3P`$?CE8$&.W;9C=J'
M;)$BXX=N/.Q-V<TEQ<>%;<RQV1<^I*0%4;K<,-92VLT`4LIK521P"6^WC&L:
MSJ]3(.2-.-+B)A26'VM*EL-J=5U5T46T+6D*3R*D)4$GF":\`W;9#L,C73)H
M&<9G<Y60P6;I-NF.L1+A<[6W$C3D.-,QW8$>Z^S7%8A/J94TM"V^D:*!H>`[
M/<!BV';>;\[.S;*A(O=DRVW.OIC]1QN$J[2*R7"^=*ZN!I0\.GS)`!-2#=\D
MPJV;E"%:L@'OHJX4-]E/15(3J,9#K3+Z7&W0L(?75*P*A#A`-1P'4QWM]L.*
MQ7.GC-LMJ5!UY<F';4(]PI94[K?*DJJZIQ7S`*^;PH2.`YFY[,>RXDCVP:2U
M%:?:#4=*`VE"Q1+;80VV$D`\JBM4_3P$!E,2KCM9A2I3<-U$_%[#<4RHJ*%*
MFK0W!3$DJ2A*'9@::#KI%=(<0"2:G@`(W,M"6G9'IY54*GE3Q`\CX@<!_]:3
M[2O(4&`"*^CSJ>036O/EP%J]Z>S5RWV[&]^,"QVSS,@RE.*1,NQBSVQEV3<[
ME><$O5IS%NWVR&PQ)DW"XW*'97HS,5I"G)3CP:1ZE@\!CN[:;S]S9[$MTM7M
MH\Z9&@2>H%!P)AR.F&5%>E0.IH"AYE0^C@-1>"9[8\4PA=ZO+NF):K.EYN.T
M5==]U#-&V([*`XX])64!"4!)J>`0]GW<[C64=Q%GS;/X646>9'S62V+?TTFR
M6>S1I[D6TM/N%X,N7)UD(?>>5]5J)3J2$@`-%EOW0P7<*U8TK`I<G,7T6MJ+
M=6(DAJWQ(+L>*PP2_<&G9$B$M#[I`3TC(HC4$<!Y9N\.=[-7#[KS&=)RK;.Y
M.!NWY,ZE;UQQE*BE+<+*25'5;F^>BXHY)%4OA)`6L/-NEFD&]XI-?M[:Y*4M
MQICCK:?JUMI<0\OIE(4%J2D#U#Q'T<![]IEM.;08*I-PB38XQ6U!A,):7(T5
M;<%IB5%6M+KP5.8E,K;DTTE#Z%(TI*>`!+=>8T'9`32GK\QXU4*BOC0C@/_7
MC>U62);5%^LY>A)!/EZ?'GYD\N`:#M%EC#8C%3R2/JR`3X_*:#GSIP&>K\=#
M:>'BW=1M3OACC'W="W6PFS)NST5AMMI[+]N[Z+7?'QT`G6\[B=[M3J@1K<4R
MXHUJ>`C.7S-T,,V.QW<JTM,9AC/W/'1<(T20$RF[C,C-R&C1PH"5AI82`O1H
M)(-.?``IL;EF+;I9;<OO?;&ZWV?:KJMC);,]:VY4Z([(;=G)2]"0Z[-+!8:)
M2ZE"FSXA7@"#_MM[BUB>-0H]IPRW;169IUBVR)NX$@81:8KB40X1E:+BPJ;+
M;0]+1J6VPZD!8*BD4)"EI=YWOWBEWC*[4Y:V]H(F46K$+"+OC<RW7C<!-UN$
M>T7.\,L/W=\0,2<N$M2H:WV$/3H20ZMIHN);2%U[HR<7V=VGR&,J6(F/XGCD
MOKS)CG4+,6VQ5=2LA:U%U$6,T55J?3S\N`R7]I'?CN9V_;MWVXW6[7.[;7[D
MY-.O6X6(KDO/0VI-\N`?N>5V"&M?2BY):R\7`4!'O&DEEPT*%M@]+,\]M63V
MZ/?K)<HUUL]X@M7&U7&&\'8DR#,:Z\:2PZ/%MQI84*\_(T/`?__041=OQ%.W
M?:.&N1(S?_O*YL`%FPX(Q_W!,E+20FB;D7HF.,("A4EV:@D`E(4:`A#,A_'S
M9QW&+A%VIV=N2LK<B+:LUVS>_13:K;,6$AF;,L5D:<=G)CI)4&A.9"E``J(K
M4$L;H=Y.^F_>]S>]^].;7#+\E/M+?'9<"8MCQW'XDA3\6PXS8XP1`LMGB..K
M<+3*`IYUUUYU3C[KCB@T#]KN_P!;LBV[:VRNDN/*Q+</&P[B<MU3+K<2^6R-
MU%65_45I$EB.VHH%:J0WX&E>`E5D[9L+R3(`[=+6V9<?0U"N,-MOWS26'0MN
M.B0I"EJ;:4K4V"=*"212IX!B&TW;%M5;X`$V-?;Y-0Z],6_/E)<@/2GT,(<?
M7;&F&H?O7'HH+DA6MQ:TTJ5$D@5EXMD:S8<GV$-IEFVNQQ:(0`2CW;:M$`E.
MDE1]P02:$CQKP`)]SV'-YGL7W-P+B43+1MIVM[Y9_D\E]:FF%Y`YM[?+)AD-
M#M=)FKRRXL2F6P?4B$YY)/`8@I27$U?2%'VJD/K`YU9*RV\0:BM$KKRKX<!;
MV%[U;H8?!$+$,]OMLM2>IILRYAG61GJJ4IQ4>SW%$RVQUNJ-2I#25$J\?B'_
MT<#ST.4\H$I*AI)*J)%$BO-9J*JIX?&HX#FRHCD>A6""KU4\:"M*DCSKP'I<
M`7VRVYV68AA<27:IK[D;',RC3T,%15["3';B/Q9#1^9$>4VXN.X*TII^D<!I
M*[8.X[$]T<*L=TCOQC?(JF6+K&)2N4EP!(6'&TFJD@+0!7U>'`-MPS(K`NTL
MKBWB$R]T6UK2Y);HM"G*<ZDJ:%3S\*GX\!`=T]S;E=<BQS;7;Z"[EV97J?`:
MMECM)4^^Y,DNHC6YMY$<*<1U)2PH@`J*11*5**4D(5^+C9(W91^%'GV%W:^-
MS-Y^YO-L%PW*[Y'+2S+N"YJ<POF/VTI42C&,?PW#IEN2O4I+C\QQRO\`O"0`
MPE(8U(EFB5`M::$@I40I*B/.H.FE*\!'XJ3"F%D\FU+!:*C0%M1(;J3X%LBG
M^AP'_]+"?&CH<J2GQJ2/$!(\$\AY$?R#@(_>V@M92@&I)2.1\R=**^5*?Q#@
M(HZTII02H4)%>`(?MWGQ'KS=<7N(0Y"O,=#H9=%6WEL'I2&B*BI7'>U<B#1%
M?+@#D1V_;][0PWMR=NFKY,P%YMN8[=[.IV4+4R[ZT"\QF=21';'I]RM(9)*0
M5)6H((&GL/8.YW<9BV-M[G7NV-W)H+M3,=QJ9*ER9Q2U$B,M,M+G]67*5TTI
M2HN%7I2DJ-"&PK\./L)=[:L,:W&W:4Q?]],FB=5^7(<5<G,.@R8B&78<:?(+
MJW+]*:*VY$ALA#+*S':])<4X&8'_`/3=W/*W#[G<%[:+%<%N8[L)B#-\RJ(C
M3T%;C;CQXUW*%!!47C;,&:M10HT*')SR:>)X#,BA"4,J"0#J)%:*J5?G.G@.
M%=8K9B=?4$N,G4DJYE1*@%(!H2"H&B:>?`?_T\+S"=+1\JCD3SH`//\`A7EP
M'&DLI0^%K!#;I`',E/7Y!"5>(^L0D`'X@>9'`1B:Q[B6I`3R:20=!%%>)U@^
M2/(?'\_`6ML#:9=VW,QVW0P52U393C:$<UOF);YDLL(`H5&4W&+8`\2H#SX#
M5QVA[XV?8?9O+,WRJ-)NF,X';EW-R(U'2^]->]N76\<C)>2IA;EQ<:4D!RJ$
M(U*4"E)'`(FW6[J=S>YKN7D[B6VXXCL`M_-K=;,$@;:>SVCP_;J!&OH?QR[7
M*^XU'L<I^\6F5*$J;D<]2YY=!<ULLM,LLAM8[.^Y;OR[?NR/"M^.^)=NWNV^
M7@\+.[[=X[43&=]=JMMY$%N=9YF3KD)AVC=:>QBC+<Z:W+;MM]0])6AZ5-?;
M(6&$/NPWK?[C>Y7?7?1]4GH[K;IYKFEM8EE9?@X[>+[->QJU+U'4A-JQ[VT5
M(_HI:`\N`&UUWI2$,A!5J.HE.E)]1IZA0:ZIH:U!X#G24+DR!UAH:9=6EI!Y
M"I3H+J@>>I06:?`?GX#_U,,/^J\_D'R_P_CX#EW/[*Y^C^='Z7Y?G'S_`-7X
M?33@(XW]J8_X<_+\WB/M']?^>G`$MV6?_:S9+[-^\K%/MOZN_6<?]8?Y#_$?
MW.K@-'VX_P#ZKMS_`-B_V_O/[*_M7]FC?M'_`)#_`&']ST>`S=;'_O6PW]B?
MWLX;^]']W/[36C]X_P#\"_YQ_P!/ZO`?25_%I_\`6GW=_IOW1Y!^I/M'V8_/
M_P!._P`7_ENIP'S'#^C1^1'A_9X#G+^WGP^7^E^5SY.`_2_T:OD_3+^?]+\W
'E_/^?@/_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>69
<FILENAME>g655868prieur.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868prieur.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0T@4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````>P```&P````&`'``<@!I
M`&4`=0!R`````0`````````````````````````!``````````````!L````
M>P`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"H0````!````8@```'``
M``$H``"!@```"F@`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"`!P`&(#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#EVM1&M2`1&M24L&HC*P]XJ#F^J?HUR-Y\F,5;.RAC5`-UM?\`1`YC
M]Y8S<A[G6.<\M>[B#&O?^M_:24]G5TE@QSD9'L:!I6ZVNM[OZK'3[OY&]-?C
M=*KJ#J_M%CB`9):`?\[Z"Y"GJV72\-<_U6L^@'B0W^56#]!W]I7+>N7$.976
MVC?'J6%C399WBRU@:[9N_,24W;<W$9>Y@#_3'!D.<)X]1C4J<G'OT8=IX`=I
M/]58V9D6&M@#&4M<-0R1N_E.?^<IM^S,J9:,@N>!-C3J#!^B&_\`4I*=HL*&
MYJM44V.PZ;G'=ZC9$F71_P!_0WL24U'M07M5M[4"QJ2D$)*6U))3_]#G@$9C
M-5%C5+(=Z6+?;SZ=;C^$?Q24\WGY!OMLL#B&N=IX!K=&*K37:YT,;N/"C2"]
MP:XQQ^"V,/;6YC0(GGXI*7Q^A963&XAI'!/FMS%^IGK5[;<F6F/:!I\E=P`T
M@".>(718E;0P:1I(24\O_P`PW"&ML#F3)<\S_P!!6,;ZJT8=GM8'L86N+GP2
MYS=6Z?N;OS%UP:`-4U@9M.@UU24^>=8Z>[I]C;JY&,YW`_P;_I[/^+=]*O\`
M[;1W-D`\R`9'&O@M_K.$S)P[JCP]O/@0=S7?V7+GL!QNPJW$06EU9_L':DI#
M8U5[&J]8U5;6I*:T)*<))*?_T<=C42V@78UU1X?6\?\`1)'_`$DF!7,:H.>U
MI$AQ`(\CHDI\]I,0>\*_AN+C/[I5!XV6O9QL>YOW$K1Q8;2-O'*2GJ^EW%[6
MO;Y+I\4M+0XDCN5Q?2<@5L:RUXK8WOI_TY6G9E]&R!ZM/5[@YNKG5L+JFZQN
M?`;[=Z2GK0^EP]K^-$C=CAIW.@#EQ@`?-<_T/,LNSK,1]@N=68]0<.'.[55N
MK9V)C95K,G&R.H.J/]&I!#0/W['_`)W]E)3M9KJ'UQ6\.)[#NN8P*_U:QAYJ
MR+F?(.W-_P"BY:U'5\7(H90.F6]/&2(J+V[FD_N6/;_-V?\`&*M3B&A^6P\F
M\N(^+6PDIHVL52YJTKF*E<WE)33VI*>U))3_`/_2SJVJVYK_`+-=Z<[_`$W;
M8YF.RK5<A:6,T&`[Z)T=\#H4E/GV=BOK8'.<'EIV!P`$]]85KI;:]U=;S`=`
M=X*_G8?I>MCO9N?27DCN!I[_`/R*Q\<%CZSYZ)*>SK^KF/?9(#;*S!V$2)CS
M6QA=%IQJK*\>NN@6QZNUH@[?<W<V/<LCZO\`49<&$Z#2%TF9GTX^*ZY^H9V&
MLGLWVI*</:W"ZM2:H$^UT:2WX!;S6TW6GU&G<#+'MYU7"6=;Q3ENNRG.9D[I
M&A#6C\UN[Z+?:NH'5\/*JJ=CM=<]T!^QP&V?SW/_`#=J2G;&.PB7$O\`!QCM
M_5`67F,!M>1W.OQ4,7K%V/:[%S';X_FKN-P_E?RT1E@R+;G-U;#2".-=P_@D
MIR\BOE9U[86WDU\K*R&:E)30V^22)M224__3HU<A:>+V654[4+2Q7C1)33^M
M6&ZK#LZS606U,;7D4G0N!=Z=3V.'_&;;%QU6HJ)^'X+T3K+L-W0,VO,)%-E>
MQNT;G>JX_JPK9^<_UMJ\WJ#S3J(LK,.'@1RDIV.G&^NW=5[@3!"V>J=3LQ6>
MCFM=4T0`X@ELD<[OHK$Z?D'2UG/%C?AW78^K1U'`K<Z"\#:0>#VB$E/,8^9T
M.ZP'(?ZM?YS0TD+>9E=.Q<*Z_"HL=BU,-CG%@JK:`.S[`W=_48J-71<.JYQJ
MJ](NY#"YH/?Z-3F+2JQ2\ACF/L:V8W%S^>=KK'.24UZ,7+ZIB5964W[+6][2
MS';JX`'=OLL_>_D+:PVM+\@M$,`8P?$24G%M6*0[VA@T'A")BM]'":7:/M)L
M=\_H?]!)34R@-5D94:K4R[!JL?*LU*2FM_>DH;_RI)*?_]3)K?PM#&LU'BL>
MNR"@YG5"VMU>._;/M=:WG7_1G_OZ2F/UOZ^Y]]'3\8AU>)8+KB-0;A]&O_K+
M/_!%#J6*+,>OK>(-^-<T?:`W4@CV^JX?R?YNY<[>V'QX>"V_JGUYG3<G[)F$
M?8,D^]QU%;S[1;_Q;OH7)*:U%IHL#VZUOX(_(MKI_5_LSX)W5.Y'<%:O6?J0
MRS=?TJ*WO]SL8G]$Z?=OI?\`X/=_VVN5LQ<G'M-&2QU-S.6O$%)3V.)U2FZ`
M'`GL>\+2;;2`"3,]YA<!7CY(.ZMT?-6F6]5L<VKU7'6('/\`GI*>S:YF9DC&
M89KKBS(/@V?;7_6M=_Z,5G+R.5SM'5Z.@MHP\FITY^/7G#(;RX6;F^F]C_I>
M@YCF>URL?MC"RA^@O:XG\P^UW^8])3+*NY65D6<JQD6GOPLZ^R924QWI(&\)
M)*?_U>+LR;'@M)AO[H_O5>PGTW#N1^3W)B[[TSB(\BDIJW'>_=X@(6W53,\'
M7:830DI]`_Q=?61MY9]7\]WO&G3K7'D<_8G./_LK_P!L_P"C7?9'U=Z=U&L,
MS*&W`<$Z$?U'CW-7@37/8YKV.+'M(<Q[20YK@9:]KA]%S5[M]1/K.WZQ]';=
M:1^T,:*LY@@2^/9D-:/\'DM]_P#QGJ)*0O\`\7'1W,/H66T//T22+`/B'K%S
M_JKG].:YOI-M#O8W(;`I8QW\_D9#W?S#**/4>_U?^MKT8.(7$_XULUK.D8?3
MQ8:[,S(W:&#LJ:XN[M]OJ64[DE/,?XQ;>B=2Z;TCJO1;VWX6,7]/>]LM<PAH
MLQ6OKL:RQGMJR/IM_2+B1:\>UVI'X^:V>GX3\CI/7:?]#77D`NG4T[[F/:/W
MG45Y+&N_<LM7/[CIY)*;U>??7]"P@^!,@^3FE7&9C;ZM[='#1[>X*QB[N."I
M47&NX&?:_P!KO#R24ZFY)!W%))3_`/_9.$))300A``````!5`````0$````/
M`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`
M(`!0`&@`;P!T`&\`<P!H`&\`<``@`#8`+@`P`````0`X0DE-!`8```````<`
M"``!``$!`/_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#
M`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`'L`;`,!$0`"$0$#$0'_W0`$
M``[_Q`")```#``(#`0$````````````'"`D&"@,$!0L"`0$`````````````
M````````$``!`P,"!`,$!@<$!0T````!`@,$$04&(1(`,1,'010(42(R%6%Q
M(S,6"8&1H4)2)!>Q8B4*\$,T1!G!X7+"@Y-D-45E)C<8$0$`````````````
M````````_]H`#`,!``(1`Q$`/P"#D2%N4%!(T4"0.7U:>))KP&5Q(82.6IYU
M``'+V<J4X#(6(=:&A]@T_P!/V\!D,*UK>*0E``T!4M26VD)*@G>ZXX4---A2
MA5:B$I\2.`/O;GL1?LUO4:T"UWY8DN,%NX06<;AXZ[!<4T'Y3&9YGDV)XA/5
M'#H)9@S)KP%2M*`*D&4D>EGM-B=_<QKN7D'<7%;O`LK%U<:@GMY?V;RE_HK=
M^52<2O.9PVV[<AX%XNNH*4*"MIX!;>YED[*8A\V_#\SNE<C';+5L5<K%98\%
M=R6ZH)MLZZ2565I#C<=)6IUIM;02D*46PXV2"?,][^V:X?4G3+A;;AU%`0'8
M*9K$A@.MLAZ#=K:_*A2RE;@)2"GW2"DJ"A4,^LMPLF40A/L4UN4R4I4M&U34
MJ.E7P^8BNA#[0<YH41M6-4DC7@..5;%IW#;7G4_H)IKP&,S(7Q`BA.I/U$#]
MHX#"KI;]%&A.@I6GT@^SQX`?W*&4[@4@<]3[=2*:::\!B'EE=7EKU/HK[.?U
M<!__T(DQ8832B:\O`'P_57P\*<!DD*'6FE`0GZ/KX#W)S\#';3.O=R<2Q#@1
M)$I]U=0D-L-K=5JE"RD%*.=#]'LX"9W<[OQ<<[O=O@-.)19&K@2@%B/*CL,E
MQ3*FXEOD*3;);U"09<M$IRJ@&@C3@/>MGJ^[^=HI2$8CW$N<:SQVIUK:6AT"
M,W;9:74NQX=MB/"T>7DME6Y;*BM2Z'<V=>`/."^N?$%626O*,=<;674W!^VV
MV?FXG9+>4Q762',BM5XM%ZQZT//KJNEQEOIWE("D;DJ#PL[]4]L[J3VX-X[?
MMC$V8Z+=9+#C.1SHMP:A,,/F%&OEWO;=PR*ZH5,<*I,IYR4XZELIHD[5)!1[
MSD]YRC-X]ALB+?B5L5+>C6^.?*+LUOA/O=&-YZ=L4]<DPRYM06RA1<<*TC<K
M;P#$VNWY%VMRIA0S:#/:1*3`M4Z*B'%FB=<_*O,06[,^ZJ3.B7%I@GINL]-+
M2E.*4A:4DA32?BUV@VZURKO"2PY<[=&F(7')7$<6]';==;0X-P;>:4L;VE'J
M-Z5&H)`?W*U%(40B@H32FE-*T-`-*<!@-QA:*3M(!J/9N_3J".`&]Y@J3NJ#
M0UTH?`?V'7@,#\J?,4H:=2M->?`?_]&-,>/4IVBO+P]O+@,WMEMW%)V[JD<Q
M4`:5)Y:5X!+?5[W$DVZZ0<(M;D5R#:[9\YO\:0DN179KYV6F-+;&DI*`OJAA
M5$K<V;M0.`EQ/O=Y=N*5RU+"DI#+/16D+Z25+0O<ZPD%3CM3N/[U:?#3@"GC
M%BG9@TW#C6&7=B4ICI=<:6\F.YM5TEMJ.W8D!)]T*`TUJ-`#2]I_1WWUR"0[
M&L&!R;DRZ&3MGPEM0%I=2#60A3XW-@*`JDI%34FE.`;:'^5/ZH4N(RBTV&'C
MZDAE2X[(6_';4D+*G8\1D2'EN@F@2%[=$D#6G`?B/^5+WFS>]S'7;1+MBXY;
MD7?(),219[/%^T9$Y\,RFJO.=%*R&T:&M:`4H#0=MORS\759W7<G&12EV6UW
MJ!$O,62_!=EY-/=C&V7R*E06P(6-.L50UTW6Y2I"D+42G<0&&999WEP?N3$P
M+N/?I<V9:VK=;4-+2MR)D=A9+T2T3+-&2\K;'F,-O.42G:W+2XT`%`!8%VZ6
MKX@4U-"0:&O/ZA30<`+[U;"@J.V@K4#3PK3Z=/\`3Z0%UZA!2'*IUIJ-22*>
MW2G+]O`#GR9\U2FF_P"GV5VUYUKIP'__TI'VV%OVU2!0BNFIJ:&@`YC@"7;(
M)"4`)YA(/U#ER&NO`02[_P#<%R]=Z^Y)CK$Z.<PR*%%6@)>;<B6U3]FM0:KH
MA*6V@X%).[>HT/`<W;7M_#N:TW/(4K^Q9;4J(HIV[WBYM*ZI0IE+38`"-2JI
MK2G`68]-/;K"UP(Q9MD-EEN3%3L2RA754`L(<6M2%!TH*:I"A[RM.`MEV2PI
M#4EKH'I`((6TDI2DM%0"Z-I:42I7T[M2>6M`IKB&-HAI82544^E"PZXV$I`0
M4A"5)H5J3M2>8&T'X@2.`)RL6@RP\AUIA#;C+K9Z(3U%K*=Q!ZG3;"3J22**
M)Y>T!9F?;>S,VLML-I26DO+0UT=J77EA&T+*`I`=*Q7GM3]&A(0D_,@[$N7O
M`F<QLD7RV38%=H\J-+83ME.62;/AFYQ`ZDH*FX=PB1+DTK[QM^WI"*!Q86"V
M8].8R[$K!DL8A2+Q:X\E92E(`D;.E+;.RJ06Y3:TZ'PX#$KY;=R5C;J`1H*Z
M'GK05U'`!>^0@VIP;0:U!KRY5%/'7@!MY0>;KM%-U*Z4K[*4Y_IX#__3F#9X
M`&PD"ONZ$#PI0Z5H=?IX`GVBW%6W2A*:`J&X!0&A(J*@'@-8_,+#<;)W,S"U
M7'J1[G9\RO\`;9Z04MO)F0+S*B2DI4#MW!YM9K7:0.>O`'K%,@2QTH*UM*0I
MIE)5L4E+[P9::;`0@)50MM%21^Z%5YD#@*X>D:]4M;3+[J5*8?:9<8</O%`4
MM+;J"I1*5J"C[U20D\_8%\/3W,BO1(W092]/95T'CU%+2`M2@5$(`4#'<4/=
M!(VA6E:5"D.%+N#K+7\LD=(T0HI*@0D)5]C]H-YWBNM1]'AP&<@SBXAHL/)5
M5004L@)(0XFFNRB:E>M/#PX#HY-C<V9"<<VK2VZ&U]$H8!2XE2T[Z+^U%2=0
ME="1R'`3H]5N(.RL"R*TR8^YR=%=B)=4A(#@E1W(NTN:@*"W!S!H*\P2>`BI
MZ?K#&1V)P?R/66PTSD3!3)+BWV7V,MOS4F*Z5E2BJ*^E;>I.B1J1KP'?OUL*
M=YVTH5:D#D!]6@UX`&9-;CM<5MY:U_74$Z$UKP`D\H/-TI_K.=1SY^WV:<!_
M_]2=]KA`]/3P37Z*'E[*<`8<>M754T-I(]WEJ:5T]OM_7P&N!ZQ;`_C'J?[T
M6V0WT'5YG(O80-H*H^40H>0QG@H"@$AB\)6:_P`7`8QVSMKUYR%MY*D-0H)"
MWW5DJ>=4IP)V-J(JG<#2HI4)`Y<!3STZWR/;,V8BR9T>W6[R#2WW)+A2TIQ#
MO2:0CWMRGWBX`D)W*4=*<!>'M)W)M.)6=V_Q;??KGY=IM28UCM\J?/6C:%E:
MX,>.\^A)4$T)!!Y$C7@#)B?YB6./W%RQR;/F>&W4AIMAK);&]&8=E5HYO0^M
MIR(R5D#3=0'V`@@\]K[VSL@PMW+XTIIV)$BIDR%QUE+3?37]HZ%[NDBNW=3E
M3]7`+U`]0OJ![DWA5K[.]N!?+<U*,:YY5D5X1!MS2$N#W('F&V8VYI3:BXGW
MR4J%"I5$\!Z7>^T]RV<!G7;-OD#]P;CH#UFMDHNMAU1JTY$EJ:A;9++B$JWN
M,A"A7=0'<D)`=@\>>A=O,GL;L3R[.-]VNZ]I@T:4WUH;N9W2\M.;22/=5=E(
MT\$>VM0X\ILY;4[1`I4@']/@*>%.`7K)X!HZ"@5'U\J'V>P\`%/)_P`]MV'[
MSG^]SY5YUKIP'__51:SQ-RF]!0T%*#3D/`G@&"Q&U5Z'NUY$^T:_7P&N/^8&
MW;LR]2O='.L4GPYEJ:N%EQ2;#;>:5=FKIA^/V[%KE<'8+*WE(M;TZS+##JE)
M4ZWM5M%:<`%.QTUXSY,1QK<*QD!U`)0"75%6\I&\54D'Q\==.`H3@^%9';>G
MEC-H7<+;Y]J,U)0G=%;;6XVILO.)<"&RC90U6T=="!4@*`=LO4?ZX,<<M<#L
MEV;L+UF\^(ERO^8W''I]P^6]5IN.]9[5*G8XTTVE!)*Y#CX`%/>60"#E]Y8W
MJ:RC$/E7<*[=J\Z;RK"K%<WIR,6L]AON"9Q<8*)TMNRO6QJT3?E5BG(\HE>Z
MZ&>2'1TVN`;KT+7=.3>GO*L2N\DMY=#MT^WJ2\V7!%?3%6EEV4RI:%H27C4C
M2I\>`4#/_0_ZJL]R5AN\>K/N#VPM%KN"E6UG!FIF/X8W90XVY"4&;9>+&M=R
M*&5=:4^]))+A2E(2@%0-OVT]+W=C#\AM457??*>YG;"5%1$R*Q9O)8RDLRHT
M9#K-VL&6SXDG(VRY(;`?3*D265AY:0A(2V4A@MP[6IP>7G-H;0A429G.2WN`
M4I6'3'NS[4E2Y*E-MH4\N:7E`M@I+13^]N`!<,TL9;ZHV5U)3J="#RU]G`*Y
ME5OV]2J:?$"/UT]NZI'``WY>?F7PZ[ZUII]?MY\!_]9.[#&"G&D^-4UY:$E/
M,&GAP#1X/;=W0.ROPZ4Y@>V@\.`AAZD>S]DC9WW2M\>U^:O5C=OZ5SVFVVY5
MTF+O4B'!6XG<E2OF$?I]4$D`.5%="`GG@R',&O-V@3(SL>4R_63'?`ZB`T'4
ME"DZT4T'**%2*BM>`V(O0YF';S.>WUOQ?)[-'D/*=86AR0VDNJ4E945T6Z`%
MD)T`H5'4FE:!<_M?V)PA$&WR["R2D!+J7&75QF$(.U:$@**RM11K4'>-.1Y!
M[O>^Q8/AF!Y#=YT2,TN'"DO7*[S'%.B&RAE2^D)$E:UEQ831(&JB:4KIP$X_
M0]F<*Z]Q\]B6R2^RWD#LI#$>2A]DRV6TAU+L9M*25*2PX5*(\"`:<!6?%.YE
MNQ,&RY5=&H4<26F(\J[LN-1@Y(4EN-&,PHZ<93[E$-J<*4K)2FNX@$&/=?@R
MK*_(C2HK[#\?<EM*FE(`HHI6P_U%-(6OEK6@!^L!.W.XJ+K>LD"6P'XDU#3M
M%`T"XS9:T!/-*=U:\C3PX!0,\L)^W.SP570U!T%3H!2O`)EFMK4VM[3P)'+2
MN[]!.GZ.`7_R1^9UUKU*TH/JIR_;3@/_UU,QQ%76`2KFD5TY'VCQIP#=]OHX
M<Z'Q:T]@%=/:-`?HY<`F/K;[9NXYW$M68LQDIMW=&-!@MW`1QT(%]QUFU-SV
MYKB5I0@FVVV-+9W:ON!U'@H@(/=S,=>B]P\S:><9?D0I"$&7'U:D-+B,N-R$
MJ35*2XVK<H`FBB14TKP#(>G+N1+PM..(ZZFTO.MU4E9`24O)6RZ2#M40TCPY
M5IKR(;7?I3[YP)V)VYE4R.Y*9:A?9J4V3M<:<;<()6E!!*0!0UHKD*:@C7YE
M/J`SS(E+PO"(+#]EL\F/<[@A,T(%_DQ9#;WR]EA#2&VT(4B@6MX[UD((2FJB
M$SNQ'KA[IX)W1QF5=^SMT@/198C1Q883N3-3(^XMLIEIMZ2J),0PI255"F@F
MH4X`-0N2SW,[@]Z%-7C(K7%QCMUD=B6W<\=F60F\WQ;C*40E^<"A&ML!G83_
M`"Z'7'W2@EQI*"ET,+P7U#9;V%NB.W63SY5UQRYW!VWXA.<<#ETHZ%*BVN8R
MZ\A/G4M-;6S\#@UW"AH#2]MY$[+9G<&Y3(SS)+.*O-LR%%<A!?:OW42Z`"C<
MDM@';I4'GP`[[@6-*>N-I%=U*C6NWZO`#]'`(IW"M00IT@5U57ER]X:C37@%
MF\@GYM2@^*M:GZ^?`?_04S&5CJLD:G<*U'M-*&O/3@''[<J2>A]`!H*::CG[
M.?CP#`=Q?3SBWJ5[=C`\CN,^P2XMPC7K&\HM"&7;CC]ZC,R(@E-QY`\O.ARH
M,QZ/(CK*4N-.DI4AQ+;B`TGG<JN^29MGB;_T&YD"\3<;Z;+1CM>7Q]]ZRQ#T
M0M92I;$9.X5/OD\`8L%M\:ZVZRIZXBG<Q&;D%1"([RJ(;2X4A2@2Z:'Z*GE6
M@6N],F&=\4X#E]PQ(BZ7/%K>R\U:D/-IGR8U$K5(AI4^$J<BLN;AN6-::4/`
M)KWV]5X[?9<Y9N\6$9Q8W8CRX/7E6IU=LN@*%2"]%N@>5;'77`DJ"`[N4E1)
M'/@&J]*WJ9PE"NA:_33W(S-G(8COR^=$L#2R66%MLO.-24`QDQVGRVE96\$H
MW_PD$`SWJ.[X=\,%[8V^/VN[88;AV5Y!DM@QC%L*OMS<R_+(3MZ6[/E9%E%N
MQV2[;L4QZUV.#(E)<ERDAUY#4=(W/I5P!XPKTPM0[=VRSSNS<+CE^>R)?XER
M"5,4RU9H=P1!28$"QV&.40+.Q%:=<35MLN+.KBU+`H#H=EV?F<?N3D8CH;@S
M[S:K1#*-NS_!;=(?=;2E.@"&KPT?K4>`'/<EAMOS%-IU7SH*"G@/$BO`3[[E
M*:09'+]X:TY`GV^(/[.`5'J(^<<]-U>1_B_LX#__T4QQZ>$K9\-4DZ^%0:$^
M'`-]VZNJ4JCU.GN:`@Z:`^!UX"@/;B_18S0DR7VHT:.RM]^0^ZEEEAEI!<=>
M?>6H(::;;02I2B``*G@-([U$SNW=\]5?=W+^TT*YP>SO=G,+]GW;F9=8"+<U
M<+?>KA(F7:7:XB5+$>Q.W^1*,)D[76K>ID.(0NJ0'F]M[PUC^1R<:O)/R^Y/
M.)CJ*D_8.N!2?=6E1H6@30U!U%-#7@+N>A'OU+P',X..WR=U[7>8Z+9U%K0M
MB8VH'H;PD**'.FO:J@J=PY@:`ZG?CM3A&<M3'8]@MEVM<Y+4E^$Y%8E]'S&Y
MYQE3#A<);W(JE)KK5)IX@N^`^EWMK:&";9VXQ,;5/]2(YAEHHX'=JUEF4W;`
M\AJ2M)24J<I4Z\N`<KMUVQ=4IAXX:MA#3K+\-*H$:)&BH9J67_L&VNH4;2$U
M3N)((/*H,EW'OL6QX*%RGU19,<*;;("4[5O-,I(<2I2$[45Y:TU\*T`HXI:!
M@/:ZP664A#-V=AN7>^`5W_-;L?-O-O;Z*ZT-E;<8^%&!]9!4>YV0M4?]ZOQ'
MGK0I]I\21I]'`3O[D7X+<>2%>*B=:BGAJ-/'@%;^:_XONJ/BY:4^+ZN`_]*?
M%AN026E!5`:?VZ?3^K@&<P._],LCJT((-*\@"*4ISUX`%_F4^M)SL1Z;;YVZ
MQ"Y-H[F=Y[)=,4BEMP&3CV$W&.Y;<KR`IU4S)F0I*X$-8VK0\^I]L[H_`2]]
M,.*0?5MZ6Y7;VP+M[/>/LP6I-@#P;1(2RTE[Y44J45/"U9#;&EP91%4(D-AP
MIJEL<`JEY;N;DAZ+)M\NU9?C$M4*\6*:TJ/<8DN$X6WHBD*"5+=96VKIFI2H
M::@@@&?[5]XG3;XJESEPKG;@V8<FJ@A+S+B2VE1%%L5VBE>1&NO`5H[0>M>W
MW*SP;3D<IN-D-N2AI*GW*HN(2VZGXB0A=$*3JJH(^FAX"@O;SNGC>6-LKARX
M,2/(:`<Z`8W*`H'69#NTTV!LZ$I`H2!SJ#'-7[%+>@M*EK"THW)4J0A-%)&W
M4(=47$DZ)"=U*^TC@,>PF5"[O=RXWE5MS\([9/,7C(I#A!C3+_18QJP)H4]=
M8>CN2Y22E24QV4(<H)"`H"WW-S8!+Z0^"?>KK6OO"M#K2GCP$^.Y.6E?F"7:
M\ZU43J4GG7V4X!%,ZO\`O5(6I8K[Q.N@U-`!I3@%L^>?XQOW#;U*4J?;SY\]
MW`?_TY-V&_%I2`I?@":G0D:>.GMX#W,Q[^0.W%ID&$N+/R)$)R4U$>>(CV]E
M+2EIFW+84N%%1]FR%(6]_$E-5@(2>HO*,ISO*;OD68W>=?[]<9275W>:\*F,
MV`AB%$BH2AF);X03L:8;2AII(HE(X#'O3-W[S#TP]XL9[KX<!)<M$CRU]L4E
MY;,#*\7FJ;3>L<N"D(="6IK"`IETH<,:4VT^$E3:1P&W-??1GZ<_S(.S&.>H
M;LW>6L7S2_6A,FS9G:&FE/L76,@"?B/<&SQ9`:>N%IF%4>0E2A(9/O-+*%`K
M"$7?;TH]\_3/E\BU=QL1EVYJ9)>;BY!!9<>Q/*4-*W"9:+BEH--S5MIW.,+*
M'JFI%1J`Y@6O))20N&N0XA(^Q6@KZC"DIV[-R*E`34@!7+V<N`.&`Y_WW[?/
MMR;.]=@VR04=1"GH[R/CW!2P4Z'Q\*DBAUX`YPO4/ZA,UN3C=RNK]NAMQ'3*
M-I2XRM,9E"G)#CLEXOHAI:9"E+<2FH2#4T`H%C>V'JH["^F)W,?21FE^=P/N
MQVIR^]VCN7,R,O.67(LU7Y=5POL+(V^LV+?-AA@13-$98B-MUW:J(9UD_=:T
M9-;_`)M8;[;;Y;)22Y&N-IN$6Y07DG::LRX;KL=P4\0H\`GF=95UBZD.:%1\
M:@\^1'`*)FE_!+J`LUJHJ.X\MHY#]T`<`O\`\U1\QKO'WU?'G7GSX#__U-<N
MZ]Z)B&GH]AC+8(;5MN,K:J0/<JEUF$0M"*']YW=]*.`!<K(9<Q4Z3/DR)9?<
M><D+?=6\M:GATW'UJ<*B^^$:[C2A-``-.`5[,Y'GK5;.JEOS;)<BREJ45.^:
M@J5#D)6FI&TO,$\N`%<B+5(70J4*4'ZM*#6E>`K#^4]^8;>?0UWHBVO,94FY
M>G7N=<[=;>Z=@Z;DM6-2%GR5O[DX^PA*W6[ICR'?YYAH*^96X+:*%/MQ'&0^
MA3$]/O:_U)=NH!DQ<7[A=N\]L4"[VN8&X-]QW(+%>8C,VVW.W2$]>+*BS(DA
M#S#S2O>2H*2KQX"<W<+_`"Y>%7^[R+UV<[@7+`52G>K\AO5LE9#9V$E9<\O`
MG1[I:KU&9J?]X=FA-!0:4X`%=ROR&/4MVQMC=XL,.'W<L4=G?/B8C.E?B:.D
M$E2TX]<(D"3<F]B1I%<E.^U%!7@`QV"](N.W;O7VD[+7:`(%[[I9VY;[A;VB
MICY3@O;^"]FW<9^[K=9C/*@W&V6(6%\@(2AZ\@;M*J!"?\S)V$D]E_S+IV?8
MW!396.^?:?$^X;$M`4S;LAOMBE7;`\DMBZGIKND.+B\&4M21JB<G<*$$!"_$
MN\.16%P3[#>;K89X3TY2[;/EV^2DH406W'HSK:RT:ZI5H:ZZ'@&(M/JY[AI0
MPFZ76+?F8X"'H=UCQVURFB!4-W6&PS+:ET/N.NF0D'XD*TH!<A=S[-GED%]M
M+R@G>XQ-AO*2)5NG-(27H<M*5E*7$!04E0.U:%)4G10X`??.S\RW5&WK4YZ;
M=W*OMIK6O`?_U=31Z9O4ZKW]34@^\=Y"$E6]2BI22D_O:4T/TATY+^Z,K0`/
M)K1.A2K6@YZ44=0?`\`O&1..)G7.(XE!*9HFI<.\*/GFD..D)*PCWWPHGW:[
MB=>`QLIWH*2I-"*':*`UY\@*_P#-P'&ANH"0"-NNO/W2"*<JT/`;HW^6"_,_
M1!RF'^7=WXR,KMM[7+N?I?R*^3%%,"]MI?N%][.+D2-P3$O+0<N%@0IQ"&I3
M4F$C>N5#:2&_E9VHS#;:E-H*ASTU.@'LKP&<1I$=U(2G:/[E*4_Y.?`:2G^:
M3[X9/A7<C$_3WV?L.-68=U>RR;YWUR7'\?79^X5^L%TS*]-V[%',YQ^1:;]+
MQNZ0,*E&[VA<A4:=&6R)#3C:AM#6.[YYOW5]1?Y<7:;+L]RS)<_N'I"[UY+@
M>)9#?I\Z_7JS=H^\,"&Y^'+MD%P=?F2K%A>78#:(UF9<6H1$7U]A)Z*&$("4
M[EW07V)=$H6\@MSD("4@J2$=-W;0>Z4J(_BY\!VI$_RRT%#E6G?>3JHI1R2:
MJ!`4V3S'AH>`]O$>X<K$<ACSV7G4VRZ=.W7Z'N*6G6BHEB:$)]TR8:BK:H^\
M4JVU"2>`:;YZWU>KUD]+X^IN]SI[=_4W_P`.W7ZOU\!__];48->HK[^E7.>R
MOPGXZ^_7^+@/P_7RRJ[^:*5Z?M/P;/WMM>?A]-.`!N6_^?.\O]@CUWUW?>N4
MZO\`U:>%:^'`8XG^[LY>-*?HZFO`<VN]/Q5UK7;3G_JZ>[7ZN`-WIKZW_P"C
M.PWEOZH^8_K-VPZ']$/(?UFZWXVLG2_I+\U_PO\`J9OI\B\Q_+_-.AU/<KP'
MVI\.\Y^&,<^8_-_F/R.T_,/Q%\C_`!)YWR+'F_Q!^%?_`(K\[Z^[S?RS^0\Q
MO\M]CLX#-87^T)Y<_"M.8Y_3[>`^>5_F)/F?_%8[D];\:^7_`*+]O^E^,/PC
M^&_EOX2'4_I_Y#_%/PO]]YWK?XKYGS^S_=>`G'V^\O\`\'[US]'\/]'^I=AV
M>2^9^2_^Z?2_Y?Y9Y[^?Z>_K>0W_`/N77]WRW`05>^$5V4Z9^\K3][^'WOJ_
M1P':57R#-=]*Z;]M:T_U5/>Z=.==/V<!X-R^X/Q?>L_]/[U%-OA7V5\:5X!E
<_M?P/_ZMN_#W_A//;/EW_=?=_P#:;/[_``'_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>70
<FILENAME>g655868prieur1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868prieur1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0KP4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````:@```%`````'`'``<@!I
M`&4`=0!R`#$````!``````````````````````````$``````````````%``
M``!J`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````(40````$```!0````
M:@```/```&-@```(-0`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`&H`4`,!(@`"$0$#$0'_W0`$``7_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.9:U$#4FM4K'LIK-C^`DI1+&07N#`=))A7\3I[+A+WM:T:EY>`(
M_LLM_P"DN3OS'V72\PWN/+Y*'VR^EP=6\D<QR/Q24]IZ/2VLU#S83`VO:6_V
M7;6;EE967C57!C&F/S@7`N^4-VK.;UK/-4-XB"^`XC^K[/8J]V5?903(U.I`
MU/\`6_.24ZM>;CV&-6^;M$8L6%C^@:1J_P!4:F-1']5;V$&G"8\O`<21Z9.H
MA)2-S4%[5<>Q`>U)3__0PF-6;UN_:ZNCP&\_$RUJUV-7-=><X]3>WLT-`^Z?
MXI*:;:G6/ADF5KX/1;K@!8Z`>0%4Q=K&Z<KI^DO#JVE)23I_U3PW`>HYQ/EH
MM#_F3@\U';/,ZK6P6M:`3"TF0&I*><9]5L7'?-3?:-7$ZDGE977^F&F<MGB/
M5;X_RUW+C(63U*AMM-C7#1S2"/BDIY9H#ZVN&H<`90K&(N"Q_P!G+7?F/<T?
M`%/8Q)3_`/_1S*VKG/K+7Z?408^G6UWXN;_WU=32R5S_`-;&!V55L()KKAX[
MB3+4E.5C[G6`#CNNDZ.\R6=F]_BN=P#[B"MC$%E)%CFN(.HCO"2GL\;-QJ*Q
MZ]C6SQ)A:5'4<:V`R'::097+X.=D93QCGIK-D$B^_C0;OS43%>^GJ-1-0QJG
MZ.8UVYH=Y)*>DOZI1CZ/Y\`))^2KW9'VF@N;2]K8Y<(_*J?6,?J1OW]/+*R0
M(N<W>6GR8[VIL:KZPAC?M.4S+#M+&[6B`?W75^G_`-)J2G)Q:P/M+1PVYT?V
MFLM_[^HVLA:MF'Z%EP`T>\.!_L,;_P!]5&^M)3__TJ^.U977L1CLO<YLN<P.
M#O(#;_WU;&,.%'K>,#B-R0-:R&O/\EWMG_.24\14UV/:YKA#AR%V71;,3)HK
M9:P;AW7*YK&_:+(,CD3SJKO2\LT6,!,!)3Z'1A4L;(&BQ>N64LR&55MAP()#
M>P\U=IZJ/LFX'W1`^*Y/+=U)^0ZRAX<ZPR01,^7*2GMZ+W!E=LES7`2KN/D8
M]S"ZMP/8Q_%<MTUW6+,88^433MU&T^Z/ZRGDY+L.\6U.]SXW5#\[\W<DIU<H
M!UKQX1^*S,FOE7\4666/=9HXL!CYH.4SE)3_`/_3%C'A:^,UCV['@.:X06D2
M"/,+"QWP5I#.IQ,=^3>[;54TN<?()*>#ZCCOQ>KYV.\;=MS]C?!A.ZJ/Y/IE
MJ+AEC]I?]'AWDHY#[L]G[9L=O?8XB\?NB=K(_DL;L8@TV^C=_(<DI[!O3!D=
M-;9BVEEK)!C4?UEC-IZY1D;'ENSL]@!/^;8X*_T?J8H/I.=['\2M;;58_<'0
M4E->IV993MNMLL>1#1[6-X_.])SWN5KI/2V8>`6O/J7.=NLL=J2?BCU8S"0X
M`D?&$2ZSTZ]C![GD-:/,Z)*380W-MN/YQVCX#_SI5LLC56W;<>AM0/T1J?$G
M5Q65EW<I*?_4RZK@T;B8`Y*Q/K#UBS)K^RU^V@$$^+B/^^J%V998=HT9X+.R
MCN#O(_EU24VOJ[U.K$R3CY>N'D>VR=0TG0/_`/)K8ZK]5LK%8;\4&_$Y@:O;
M_P"28N2(7=_4/ZQ-L+.BYSO=QB6N//\`W7=_Z*_[;24\W7;8T;?!7<?JV500
M?I`>*[[J?U(Q>H3;2/0O/Y[>"?Y3%D_^-_UJN=K:[@.-IU/^?L24YK/K0!6&
M[#N6MT?+.38<G(>UKH_04D^XCZ+KH/\`:K_SUG.Z"_'>?ME;J?3!<\/&V`-?
MHJ7UVZ);T[I'1\QLML`?58#P"]S\MC/[.^W:DIV<K)F=5D9-TRN8Q^N9M;=H
MM+A^Z_W?]4K(ZWO_`)UH`[EO;^RDI__5X.55O)W1V(_(K`5>_D?-)2).TN:X
M.:2'-,@CD$)))*?;?J!]96=>Z9MO</VAB^S(;P7#\R\-_E_G_P#"+KFP%XO_
M`(I__%5^?_1[/H?1Y9_/_P#!_P#H[TE[.$E.']>;Z\7ZO7Y0KKLO8Y@H%K0Y
MNXO;,@_R-Z\F9F]4ZATOJ/3\FU]X9&:UKR7%MC276V,<?=[J/5]B]&_QI_\`
MB>QOI_TROZ''T+OI+@>A_P!*ZAQ_0[N>?HV?SG\I)3RV_@GGNG+X*&4Y^B$E
M/__9`#A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``
M(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$``
M```!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P/_P``1"`!J`%`#`1$``A$!`Q$!_]T`!``*_\0`BP```@,!``(#`0``````
M````"`D&!PH%!`L``0(#`0$`````````````````````$``!`P,"!`(&!0,1
M"0`````"`0,$$04&$@<`(3$(01-182(R%`EQ@2,S%4(U-J'!X6*"0R0T5&06
M9A<W.#D*\)%2<L)C)65&$0$`````````````````````_]H`#`,!``(1`Q$`
M/P!'D&`@H/+FG)/2O->?*OIX"51(.K2B)7U)U_9I7@.H\]9+,W'?O]ZM-AC2
M'FXS,F[36H;;KSCC;8M,-DJR);U31=#(..::KIHBJ@%MM3L':<S8&7?,@Q^R
MVE@6YLN_W#.(-KLRVMY\&8TJ,_:,3SQUD7A5559P07&^JLZ$$G`GSF%]KT"R
MO-NQL[G94]+<CPV[1G.-7JPNMMZUCG;+H>.8VEZ<N`-BX"`VW4#)!$C%$0`'
MW1W6VZP_+H-ELUBN[D%6U;NL"3EMANN2`^P`E+DP`M]EA68X&HQ1OS9`DZJ^
MPI!]IP$-L&\FWV32SA@]+LR(2HU*O81(4=RA(-'B:G24AKK6BDXJ,HM$UZB%
M%"RY=H5.8^TA(BHOY-%Z*GJ5%Y+Z.`B,ZW*E45*?L=$K]"<!`KM;>JT]"U5:
MITY]/'@/_]!-4*%J5.5:JBT]/CZ.O/@.M?;M:L,Q^5D-Y)0BQ$;06TY/RGG2
M%MF)%!$(G9+YD@M@B*I$J<`J+.MX+UE&6M3+[)\FW^>9O0&)0H9P67GVUB?%
M6^1'D-`!(2`P#PMHX*D0D?/@(Z.[V=89<HUPQC(;R]";D-R0@ON2)EJ%X34H
MKCT::DAIXP`T32ZKWM"GM%T0"DA=ZF_$C%FH=N91&"MSD*9D/X18K]>H3!LN
M@+-L.7B9'CD!MIYS2C%'S0R1QYQ"1.`J',]T<WR;!ID@+A;2"5/C#,DPK<RW
M>IS(B8L)>)`2Y5R^'09!-^6T0PS1!'RATT4.;@7]`Y>'1]$[-DS&WR),F6<9
MF9<;2Q!8;;1E(UB.7"#X=$5&S<<D*9*X*D*(BIP#7=E8EKF[-XU>IF1VV+=)
MMVO-M:Q*X3Q.[6QN%((?A'5<<5]DHQ50A?;8:1%'REHHMH'9NMF]DE0?"E42
MM/U.B_J<!6=VMU%4"3Z.O+Q3T<Z<!__15!9;:IHBJB<UZJBUI]?+E3@`I[V<
M[;M]RQ/`1-6AC0!RF0;4A8Y%.N#UPLMI8<>`T<:!L6GGETI51YU3EP"R;;C5
MSR*[@S9&9,HWD4RU)YP*+9:543$-`M"241.@KR2M.`8QLGV899G3$-K(+FU$
MA2M7Q,:.PI-LM"(D!.:``2<6JI2J=455\>`;QL'\IO:"YQ8SF27W*)S[8R`5
MF-_`V!;(@<=$&":0B\U7%2O@7-*(E.`,$_DG[%N-E,Q&0Y9_/\OXPKDS+N$I
M6?LU-6E26U"`R5%_(5*\^G+@)Y:?E<[8;<7@'\6L<<K2S'CS;K)N+3]PN=^G
MQI;%PC#)<)IIAJ.U<(S3J,M"H+Y5"11(]0+_`._3MI?P9N;O'86=*-7&WO9_
M;'$=!B:KDKX>'E`>2V1MS&7SCQI9*0M(U22?)EP3"!0&F+OCMCNT9SXEBY6:
MW3`?T(!NI(ALN*X;2&XC3JDJZPU+I*J5Y<!7N06K3J416B\_KYIZ$1/]_CP'
M_]);]EMJT%--55:JM%\:KT7U\`D?OLN$V7W*9%`/S0C66V8M`BB**V9,I9(T
MUTT5:54Y4][25*41.J<!\VP_#K-";&&`M27`8<TN`I.Z&Z/+K<1%)S4;M!5*
M"J>TB)5*`]3M.NS,ZPV9]?:`D=,FU1*.^<VT"H#B(A(J/(J5YKSZ4K0'W['0
MH4")%>D-Q2(THGDJFHF2\M6SUZ'%\O6G3V=*IX)P!LV@8;$($51("(_9-E35
M2KJHKB`I*+GH]JGI7IP'GW%X789J#1.$5&E0&S(DU`HBH^8*M)[)4HE*^A4X
M!>G<E@=LRK"\OM]TA-NQ;K9+I"GQC`E8DLRV'8[RZ6]%1<!]:J-*(G)?'@$,
M;'VJZIMY,M]T;1%Q[,,ML$$A-74*VV^[.I%J15-%!'5%17W=-$JE%X#R\@M5
M$-%1:*BTY=.O*O/@/__3!RP6Y3TT&JU2BTYTKX\^`3!\R;'!Q_N)@308\LL@
MVXQB].O(&D7G6;GD-B,C*GM$,>S@*KU1*<`-^WA3[M?HL5DG7&@8`Y3@ZP;:
M9;1%T.N+0B17*%H2B:E]`HB@ZKM`OCRO2;&CJ-P[4XV:/F30,L#+;93FIFE"
M$B5!HM=5*>U3@'X[:;T;<[>6&W+GN6X]:P>$`CN76<D4S!!(V@-LT$S;56%]
MVM%5/#@#5PCN)VVS$6(=C<MMX:.,+T1ZTW5B5%/V$,VB2,:$RX@*I:21%1$Y
MI7@/SG'<_@FV8.L7MHVWJH(6^%`EW6\SG%/4$:';V&7D==+PU+2G2O`4]E^X
M0;I8+-NT';O+K-:W(KYN3;M9)=L?;CF"J3S$:>Q"*30#U**$NI$Y+5.`2YM=
MCC+!;V6R.CBQK;O9D#T9MQO2#$;*,2PK.$;9&@Z6E?R<RYHBZU6J<^`X656=
M6E=31TJE41>GM+7]7@/_U!@Q"U>:0%IKS2O2E>71?HX!0GS8K2S=-U,&<L;\
M:5/Q;;I(V51`>$9L%NX7R9/M2)%)4=D"K$LG#)M"1H'$4E353@`4V)EJ=QF0
MW62`S%O6\-=*ZBJ6HJ*B*-/RO!?KX!DVU$?(\%EQ,CGV2]2(<MQ^7$;B1W'F
M9Y0P<`6H[)E'8N$EQM10`UC4_90QYKP#6=D=\]P]W+PQMI([),+;L+EFN<B%
MNIO*JR+&Z[;[0[<DB2(MKD%<($Z>_&2+&8;D/+YK@JXK8(2B$PVMO-\PKN+P
M5]W`H&T.&7]O\,O.-6;*';_8;?D#3KS<F5`<>*0U"BSXIMJ+"/R`!S6@.%IX
M`R.[W;[N/EYT5^[;;CAN+/S[?`:9W*OF.,YA=,<F(VT\ZQ;K!=8\BSQ"GLE0
MI<AIQ6D!4$%(TTAR-N,4^8+%M%G3=3?W$]]HEQ>:M666(\1QJROV^WRM$<IM
MDOF%1L2@-R+>A>:4>?"DD\B*VI@E"0.'D>S@8%DFYK+3`>1?\OMU[CR&P$4=
M0=OL'LQ"2"Z\*N,E:-"EK/4E%KZ`%?.;$32O5#HJ^"55%U?0JKSX#__5J/`;
M<AJUR3K7FB*O5$I]-.`7YWW[462X;MG/N%E;?NEYP^#>HMS$!;?9@P+3-L[,
M-J0B455G6=YQ15:4KJ%16B@G'%X,W;;*+U;;C!*'/9?1R1&(@=)E!4D1H3TD
MBJTI<EKX)Z.`TM=EE^VGW/P/#[-EE@M35PA`6AYP=;A.*`BJH2$#FO6[S1"T
MIZ^?`/.P79?#+/;%DPV%&"<<5UA(?%XV"$:@+<=UI!9=`=.E:I3@%?\`>YD6
M)63/\<Q/';;\/<H-RL]RN$:RMH:VN"4E`8?G/M"HM2'E4%TDNM!5%I3EP#*L
M%S2;#M.*Y@,B3<(%WM,$)(M-(^T^OD:1)8CI*9/4:6H\N=>E$X`E\"S[`LYM
M4BYXS>;-,)MQ^+,9BMH,EB2P7ER8T^$\+$J',9=2A`Z(FV:45*\`&NZ$5JZY
M+?H[:-*Y":@NH(EJ7RY3;X`XB>RM$2-IKTJ/AP`+;C8[I1\M'T^S3G[54IXK
MRX#_UH+MPR)&Q4?0OCXT^BJ+3@.+WM[;-2MJ[/NG#9$9>)7"%C]_?-4\IG%\
MJF):VYYB2.`X];;U/9;;%402"<Y4DHG`9Q]Y;-!:W!RXXDA^0PY'C7"(]*0?
MBSC2V?-47**1%H>%Q!5:$0(BJE5X`HNV/=B7M_D>+,/RS9A@U&,W=1BBDFA5
M14%=*`X*^VE>E?3P&H?$^Z6.FT[TZ'<!2Y):Y$>$V\>H7;@E4C*2B8*C30"A
M'2BT15Y=>`SY;LS>Y2^;@WK(L`RF%>+IE$YR1<(<^TN3FY;Q:F%M\1])[:Q(
M0-40`J3@$-5(N:\`T/MPF]X&0;=0]M=VWY>W_P"$M,SV5QV]/2+Z]%1_DW%N
MK4,XEO\`BF#(7#;TR&VW5\IT'$0P#O;C[ES]D<WCY?AMW?&[Y#'@MW/!8[IO
MR,BTR8UL>O33`?:K<6_/;%YU!(3HFLD.JJ!I;9,Y%D%^R:;DK33%PDXI99CD
M5H7=#8/3IIL*2ODZZCGEN*A55*JBJB(E.`KG<VQM@DE%!.B^%/2M*TJG`?_7
M@.VD@4-CFE*Z?H]I*\O53ZN`8KMW;[3?;>[9[W;X%WM%TBO0KC:[I$C7"W7"
M%(#RY$2=!EM/1I<60TJB;;@D!BJHJ*G`8I^XG`KWM-W:]TFW%XMZVQ;+N]G1
M6"U`0(Q"PB]WN7>\!"W,@2-,6D\-N,%R*R.E&F'`!!'3I0+%V==LE[&S2+L&
MJV`\$*Z.LZ5D0'0(1&0*$E=`O41?0*]4X![T'MEC;C=MMGRC:K/;O8\OL4>=
M;IS<=IJYP?/=)#8N<B%(<AN:&R#0XK3@JK1ZTY^R@+3M>'=[N!Y^=GO-RQ]V
MPM/FY#RK#K3:I4M'D!7&')MIRZ_V]8*J^(ZU;ENH-:H2UY`UO%;IN]D>(K`S
M?<#<S*;^_%*+:K:$C$\"QEPQM_\`!)EVF8/DV3Y->HT:8@MNQ@DP?,!25#%$
M'S`O?M/[7+/LKL*];;Y.D9;G=UO<?(,QR_(E_$[S>IK<L7P2;/?67.)EETB-
MIE77`CH6E%5$U<`96S;2W"V9YFDFBI=;S&L4%Q:*A0[%%)XS:2G)HWKD@^LF
MU]'`4CNQ(9#XJG+JJT_==4]7`?_0H#;R]`TZT.M4Y]?4JHG_`!)Z>`-F)O=A
MVS^`Y+N;GEX;M&)818YN07R<XHJ8Q838D,:*VIBLFX7!\@CQF1^T?D.@V"*1
M(BAE,W#O.9]PUC<[Y<HOTC(LAR[);E:MTH3@$[&Q^+^,2;7B[5O:"GP=BQJV
M#`M0,+[D1&':_>$H5UAV2IA.9`2GKL=Y15<9-%5H]6BJK^]J24\*HJ+JI1:"
M#PNSSN:AX!,7$;A=##'\D14M[LA2=CM27!5I&W"4^3:FJIUY(B(M4X!@[=MQ
M3(KLEQCW-J+);5MXVA)IUIP#$":<:'0[K;>:-*IT7E5?'@+LQ?;JU.RV;@S'
MNCS("V#2M3FK<T2B-37RFHY44J4JBIRZ\!.<PR!S'L;_``"Q1#2[7V7$L5G@
M))5]^1/NTB/"B@#VALB^V+G7HE57E7@+AG)`V[P6S8E$D(ZEIA:9<JJK\;=)
M;KDV[3JJ@D@RKC)=,$+F`*(]$X!?^[&9":R?M%I3TKR&BISHO5>`_]$"<;R^
M);&2G2IC,2)%`GI$E]Q&F66@2IFX9$(@*(G55\>`5]\PCN]R#=/'_P"R/&==
MJV[M\Z)=I[CX/,W3+KM"23'!90`^8Q[);7'];,=P$,Y`BZY0@``"B/EU]RV,
M[-;CS-M=XB8D[$;L-/6+*VIT4)D+&[O<H[<&#DS[95)+8;:)%N2(A(D4D=H2
ML()`Q_NG^5SN9M#:I^>[40KAN;LL:#<`@VYUR[9UA@/)YH2(\=AC5?<?B"J*
M#S*NNHT='!($)S@%ZXWE=^MD=+89N.%&J0C5T&WD"HB\P14)B2W2BHJ:A)%1
M:\U4"BV_[L]S,%EPG''7[C#8HR'Q8.FZC/N#&,E*BB*I5/6B+P##+-\T%IFP
M0X*X[>7+SK;%6VXS!M:5TBK92'7=%%$5Y&5*KZT5`/[L\W<>W.R29NEN-?[#
M:KFU:GV]J=NI-P;:O\R`](GVB\;AQK=,)B7<K<#T.;:&944#BA);G-*6MFO`
M7QNAN/\`$?$*CWLUJGA6G[I/1P"]=R,P5\GA\VM5JOZWCZ4X#__2S5YGO'?\
MA?;MS#WP-E9<%YN"V*&XZ^V/L/RG56C[C9*ND5HV/)4$B1"X`--RY27"+<A5
MQQPXUT)&U*E5":(W%5=-5(W/:ED"\J(0\NG`#X_$TZ30=*U2J"G7PI7G7U<!
MK%^1'\P^#DSV/=C._-V;_$S;DQM@,VO4YL?C6&P^(_LENTN8:F[,:;1T[`1D
MJFT*V\>8PVB!X_<M\D7:SN4.=F&%Q6-L=R)='3O]EC_^&NDL$6CM^QUDH\>0
M\XA>W(CE&DKRUF:)I4%\E_I_>\W&BEG:;7@&?1V&G"BI9[W%CRYP"FH6R8R6
M%C<9J25.0D;@U6FM5X`8[AV(77;2]3?[:<5O6WI8O#EWS)H^6V>1CZVVSV^,
M[-DRAMLIJ-*E@<=A2:=`2CGR1#52%%#K_.R[(\I[9>TOY<>]-O.7:LF9L^X&
MV&9PY'V46)>-PLVSON$QK&-8`(L!8G+]?XD)5)#%J,"*I+J)`29@7>]O1C<!
MNWM9M>+C`:,A=L^4$W?4BD*")L,OW09%PB,#3V09?;`:\DYK4+JB=ZJWI$_I
M;9XS#14"3<+(3WF1#J@J\[:I3LIU]A$74:M/*X*<Q;.M$#__T\EZS*J94Y@B
M(BFM2(*:>M4Z#T]"+ZN`HK-W'0N1MJ*>3+A@0*51^TAR'55>1"A$02TKUY)P
M$!4$,%15%$5/R1]?2M$7@/*MLN=:IL&YVR5)M]QMDF-/@3HCSL:9#FQ'A?BS
M(DAD@>CR8S[8FVX"H8&B*BU2O`>T7^0-\RFT_,/[:0@;@W.S!W/[+)&QC=RT
M,G$A2\LM*"V&,[L6VRLO*;5MR>,HQ[DK8`RQ>V)"`#3#L8%#1A;3AQQ04:$>
M?OHE:?5R7I]?`*?^>5F]@VG^7ON?NRQA>V^7;BXW?MN(>V#.YF.0<CQP,@N6
MX&/%<4N%NF.L-3([&+1KC)%EPB8\]ALS`T"G`>O5M.]7<]W)=L'>=VY;G[@Y
MONC!QQJU]WEHM&97:?E4K$MS\6O=RO6?Y=CUVN3LZYVV#>MK9]];>MK#Z0%=
M,'P9;,3U`G`KRBFQ)=1$?)%8ETY(\'1I]1IIU(M4+Q^JE`\M^ZE&<1!-3:,=
M;:UJE%YZ$5.1>I?7Z%X#_]3(PSU+[WH77[OW'?O?5_T\!4.:??6[I[TO_F^Z
M7WO^WZ?7IX"$-^\O3K^\^_X=/U^`^V_?+KU7KU_=^OT^K@-,W^D]_P`U+_[C
M_#INU^BOZ-_Q_#_[SOZG_P`E_K'^&<![-EOW5Z=/#Z/']KP&<7_5,?Y>^RWZ
M6?XQMLOT9_BG]VN\?Y[_`)M_)_YWHX#([V._WG=W_P";O\%F^GYP_.'Z$[D?
MIK_[C^6^OS^`SWN]5^[]TO?]WHY[W^W7@/Z.?Q*/[_OE[_7HON?M?3]7`?_9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>71
<FILENAME>g655868rosen_x.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868rosen_x.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0S*4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````>P```&P````'`'(`;P!S
M`&4`;@!?`'@````!``````````````````````````$``````````````&P`
M``![`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````*+`````$```!B````
M<````2@``(&````*$``8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.6:-$1K4S0C,:DI8,1`Q3:Q$#`/I&!XI*1"ORU4'O8PQJX_R1*+
M;;[2VN&CNX_E_E+,MOQ09?<XM!C>9()_JL]J2FVW)I<[;JT_RAI]Z*YL1(Y5
M!C\")IR:W>+-0=?Y#_\`OJ?[9CL?['.D?2:."?#;_*24VG,0G-1FW-<!/MW<
M3W*>RL@P1JDIIO:J[PKCVPJUH24UX24H_*DDI__0YVMJ.QJA6U6:VZI*4`&@
MD\!"ML=.H`,2UIX#?])9_P!]1KKFU@-#=[SP.WS_`*JKTECG.>[WMK.Y[OWG
M\-_L[DE-3+)T%C'/-A&RGNX]M\?2_P"HK0WXF,TEW4+2ZS\VBK5K?ZS6EF__
M`*A6ZZ[;[K;ZOYQQ%5)';=H^P?U&M_Z:Z#I7U9PV.:^U@?:W4N)[I*>1'2<C
M,#13CM:R1M(8&?=$H&1TVS&>="=IV[M>R]2&)54-K6CX0J>=TO%OJ,L&X]X2
M4^;59#J7^\[G'1K>8"V*,FN]H:V)`X6=UKI3^EYXJL=-5@+JW#A'Z:VIP:YK
MH'Q_UVI*;-C55M;(6A;7M)'@J=K8*2FG"2GM_*DDI__1Q:FJTT!K2?`(-04\
MMSF50/SM$E-+)L+=^W5[]/A/T0JV1:W'K%(.L^\]]!+O^D:T616?4?R)?_FA
M951=E7MW?G2]Y\OI%)3U?U:QS9:2[45,:(\W_I'+K*MK2(T"Q/J[CN9@BP@A
MUSB]WP.C?^BMZMGYR2DCHY"%9J(CYHQ;N^*J7]0P*7>D^]KK>!6SWN)\(:DI
MYKZX])NS<1EM`!LHEWG$;M%QN!==3%S#O9W:>1_Y+<O2\YN]D[7"0='"%YG0
MXT665ZCT['L(C2)]J2GHZ[&7T-L9Q$&>Q5:]J73;&C=68AY]I\"-=G]K\Q%O
M;RDIHQ^5)2A))3__TLND(F:`6,$<GE0H[*Y=2+<2P=VM+A'.@E)3S^:Z:KK!
MPUFUH\W'8/\`HN<JG3Z8PY<2'9%@I!'.T?SKE<R!NPBT:>I8P$^36NL1.DL#
ML["QX@5UN?!\2=W_`'Y)3<S^I5XSC3TYF0;:&@V65.VL#3`;OW_3_LJUTOK_
M`%=AK;G`^A>-U5A=N.T'9N=^>S_KBW'8F+8/4](;SH2=95>W!I8'.+1,:_))
M38ZP;_L0-;B-_.W3M*Y3%PNJ593'8M[L>M\%SZVM)8#_`#C;/5][[-R[0!EN
M(W?J!&I\E%N%5NW-:V/+64E-;I;>I6X8_:+VV/$@N:"`?W7+@^OX9Q>J91&@
M<06_UI"],M.RH]@`O.?K4]SKG$\VO.T^38W?]))36Q+MK@1H"08_U_=<M5[A
M8P.'=8^,S<`3P=1\RM:II;1KWX24U]O_`%22E_Y)))3_`/_3RJ'<*\^X5X=S
MC^X1]^BRZ7J_46VL=4_5CQ#O@4E..7$X+Q^X2=?[+4+IF1Z?5*KC]$D5CX%J
M8[:LF_#W[V_1:_Q_=_SD([6TCM=4X3\0=S7?VVA)3Z%3<WTX$01()53/R#$D
MD5-/Z3:))^[\U4<#,=DX[32]H,3)X41U*O%M-.4'O<).[:0"?Y)=[4E.WC=4
MPGXQV.W/((%8$D_V?I;E6%E^./58'5U.]SJG:EL_]%5*NLX(=NKJE_;@D_-@
M+E:9U.R]_ILQ"8$N<7;6B?ZWN24GNR#;4[;^<-/FO/?K`^YW5[:7@AC)%!@@
M%KN8_?\`?^>N^M;CXF.2YP#&`N))X'TO^@U<'DY]_5,EN7F']'2WT\=G&RG<
MY[0?Y;MR2F6,"UC`=``%I6/_`$3=(AH57#J=:/7>(9^:.RGD6=DE(MWY4D#U
M/RI)*?_4YNJR%8>RK)K]*V8)D%A+7`^+'-6<RSLJ>;U=X::<5T$Z.N';^35_
MZ424UNHOQ\3-=3BVV6AABQ[XG>/I,T^GL_?5ZE[LK'^T.82UI%?JC3<3+MO\
MOZ*+]4.BXG4K[[LAOJ_9]OZ,_1]T^Y_[_P!%=E^S`[$NIC0%EP`XBLN8[^1[
M66I*>6PJ;J'#:]P82'%ID-,?O+I*17FT@/@GP.I!2&(T@B(V\(?HVTGU:=#W
M;V*2FY7T^X``6D-':==?^DK'IMIK/``DF--509U*]H$5:^116.R<B/4&ROG:
M._\`624T\['OZG7;BUN-?M%CSK[F`@/J`'YK=S++%A=7^KO4,/';=0T9-?-C
M>':+ML"H#)K!G]*7,)\G-=_*8WZ3?SD>UK?1,Q!$PDI\M'UBS@T5OJJ`9[=N
MTM(C^TF/6@\>^D@^+72/^DI_6EE3.KN;4`/8TOCN3,?]%9"2G0_:-/[K_P`/
M[TE0224__]7SO*RW.!K889PXCOY?U%4E/SRF24[7U0ZLWIG6ZC>[;B97Z#()
MX:'']%=_UJW:[_BO47I]X?0\/8/TE+IC0^3F_P!IJ\5(E>D?4_ZS5=4PV=.S
M'AO4<9@:QQ_P];>'-GZ614W^=9^Y^E_TB2G8=2QM\U@^C>WU*)GZ/T75^[W?
MH+/T3T!K1N+2(@J[7L:^RFTQ6\[PX#Z#XVE^GN<Q[?8^O_KJ%;0^NP5N!%K=
M'=Q_9</:]J2D0HVF``?DB,9#':2>!"/Z,@%VFG*>M@+8G0N(D>`24B8]U.5B
M7'1C;JR[^J?8X_V=R?/8]GJL>?3KI<X.<3IM!/NG^JK=-'JVU5'Z#7!]SSPU
MC/>][OW?W5R'U_\`K)4&6=,QG[LG(<79+@?YMCC_`#+O^&L_/_<8DIXGJF6,
MSJ%^2WZ%CSL_JCVL_(JP3$>"34E,DDM4DE/_V3A"24T$(0``````50````$!
M````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`
M8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V`"X`,`````$`.$))300&````
M```'``@``0`!`0#_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#
M`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`![`&P#`1$``A$!`Q$!
M_]T`!``._\0`A@```@(#``,!````````````!P@&"00%"@(#"P$!`0``````
M```````````````0``$#`P($!`('!`8(!P````$"`P01!08A$@`Q$P=!(A0(
M415A<3(C%A<)D4(S)8&A4J(D)L'A8H*20S48L='QPE-C-Q$!````````````
M`````````/_:``P#`0`"$0,1`#\`H*MT2B0KP.H\`*FNGV:$5IP$KAQ"NE1I
MH0:::G2E#33@)C#MBE!/ETV^`UY$5U'+Z.`E,2T\J)IKI34UY'_QX"01[224
MU;J*5%0`.5`-=*:<!F/P6(D9V2^XTQ':22XXXM(2"`:A(U6M6O)(*OHX"`3\
MZQ."K:J8_(HHI4(D%UQ`HI*5%"G%LJ6$E0J`DD?#0\!M+!>[)DS2W;5*:D[2
MX5-=-YF2VEL)ZBC&DH:>(0%>9204CQ/`9\B"VI2D4UV@Z)`.OU:4/`1N=::`
MT2-`12FI&G]7`06Y6TMUHFE-2->1W:_'G]?/@()<X04%'8*<J%.NGP!`IS\.
M`%=VBE"W`4E(-2!_Q"M#KS'`0'TW\P^R?CN^GE3E7GP'_]"B^#%W!%>0.N@.
MFFG]7`3JV6ZNSRT3HD4U)%!]&M>`(%NM=:#:#3F0FGA^P'@)M`M%=M$<S\*U
MY#]IX"0RF;18F$NW-U+DERB68"#2BE@I:2\NAWO+>4A*&$54XI01S4`07W/+
M[=9J#,>N\/%+3'*4),M,5=U6Z^PM<:-&0^IVWP(Z@FBM\=XNBE2DT'`!"+C\
M;+7F[>O/(4MU*@^PS,S+&[9/8_>2ABWKN-OC(*EI`(Z`2K<*@4IP$M187<(?
M:^>R6;8V'5O&>F:RW-#24$*<>5"6PPZ60:AQD;%$)2=BB%$,NT]PH4&>8D_+
M$7R.C9"90ZXS(EN/%2W(\J-<-AER8SC'E4EU;A&U)2$J*B0+;$V)=4),(B0%
M$`*2`%+J*E38JH.H!TJ*?5P&DNUJ(W@M*24U\I24*%=0%)-#ISUX`776#TU+
MT%%&NE333X$#_5P`ER*%MW*2D:4TVU/CKIRJ3]/`#+H_X[=3]VE-/CSK\>`_
M_]&E*T0BL)!UK0Z\J5'_`)\`4;7;P=HVZT!^OZ?#F.`)MLMG*J:"E:T.E.9&
MNO`9\^ZL6\-6R"T7[O-!2W4.-1X4>JDJDR9"15H%1&W:"M1H$@J.@!#*,G0F
M*[Z!#DYVKJF92G51%7$(2Y%ER&9:2^;5C0<FJ9<<:2Z_(2X68_5>+3K0*MD_
MSK*,A=M5G;F9_FSR"6(*%2(.,XM%+I0Y/N"8\AYZ/";6LKD&6\]O6`LMJ<4I
M`""Y-[7HV/-1<E[AY1%O]WGE#R;-@]_QJP*C/J;6^ZP69"[Y<[FVPR*N"-%A
M2$ZE02!0`+8_;;-YD]P82,L9LL2(]*>AW65.N<)N+'<:4ZJ"AP/(6A]K:D):
M4V'5+3Y#M20$0M=NR3"9X+KLS[ASJQF9#9#C#+3[3H92EPJ2UO2@M@J!*6R:
M\Q0&/[==V9K\R/=,JE3HLTR1$MG1WLI8:;=><>,""ZVCSEQU"5K-4!*""=U-
MH/I\XMN1Q(\N'+7-5Z1M+\EQ!2ZXM`2E2W@=PW56D5!.E/J`#V_6W1R@^.M*
MZ^!H*C^K@`W?H84TZDIKHH<N?V@-`1S)_KX`.>F/K^GYJ[J4H*5K6G[.`__2
MI^L,'=M-.9``^(T_;J>`,5EMG\,%((\336OAK2HUX`JP;8TU$>??<::0RV"`
M\H)2M2R$H202*MC52A4$I20"*\`!,HNT"2])M]MF%5J2_P#SBY;DMR[]/*7/
MY>R[12&+'!:W*F],J"DD-46BK2PC'<BN(86REKIKRV_KAH++#4=;T)N2U*?M
M5NCMK8>+4N*RXD(2'$A%PFL.BJV6RV&AP#M9F]SEH[5]M&6+7?'D6^Y9]F89
M]3<#DLV.B8W&B.2&'9$/Y$PXAEHI#:FU!Q`6V%*6L+(/;[^E3#<(R3NE=TY;
M=I#B'TH*)24J1]T\CU@HUUE,2TK=0I>XAQ6ZM0:A8<[[)NUL7'9]BA6=B*NX
MPTVYP-166PVVE2"5L.N(!CC>GS[4I!!-025'@*IO=W^G"Y8+!=,APIH3+E'C
M2'H\)B.EX+6T*JCJ0M`D20!4>1Q.\<R1Y2'.<]8LCBYO=K9>(#D&^6);33T6
M5(?5&;4J0MMKH-.**TA@K!2``A%31%`*`_/82W9)'DPGU2%3FW6UQ7UJ=DNM
M*<F-NL)COH<UC$FF@&Y6R@)"J`&7O-J=::*'F_O$IVK/P6-%"IU.HY\`",CA
M=-QS2@-?#G]'@34<`&/3I^?;=JJ5WU\=U*_#E_7P'__3JNQV%_#JG^R!H?@F
MFG+2G`'"Q6PJZ9(TT-=*^/PIKP$)[D7>0Z^BR1WC!B)07KA,\@=0TV/O&HX=
M+;?7<2DI0I9V)KN/E&H+O99XO.6E;26&,;QZ2F%"95U_0N2U.L[6WG5;79+9
M=?;#Y<&Y;+CA\NT!(:R'F#.>9BY>I#0EVYF/=;W;V_+TG)<MMJ%CKOI^FZ%(
MA7JXVK::)J(ZMH^U0.A#VM]D(%GL,C)78#3=SRB8N^W-Y;+2)"IMSD.S775*
M;"=M5.FC8&U.ZF@'`6A89&2S:3'980GTS?3"E):)'(!7(J&\:T"@:'@/.;!;
M5O4L[=JR0`M0J!MW!8%$@T%:D'3^FH"[-K8R8P66P\4;UT.URJZ40Y4N$K"*
M;::*\U==1P''%^L#VQ5VU[^ISRQ0U0H&;VHL71N"T(ZC.;6XX7E-J0TAA^4%
M;$N4*$I4L*"JE)!<_;-WQCQKM!L=WDKM\J.VJ.Q*<*5K`=2`EKHKC,-W!A"E
M;UH6%H<6D*"0I*00M`OB3=H4>Z=-L>MBM/%;5.B^KI`+E,`+<*6WR"JBJ*2:
MB@IP"[Y;!IO70F@/(:T',G2NE>`"/IA\YWZTZ7]G_;ISK7^C@/_4K;QN'4-@
MCX#EST'(GXC@#=%5'M%M5-DE*&6D;UJ4=H"$BJC6A(VCQH?J/(@FN<Y7)O%P
M?@PF"['2MU^9M)6Z^S'2GI0B$$J6EQ3*4J;2H]1:TBG+:"Y]TLS&"6.)B=I5
MNOC]FF3[Q)4$!Q$B^M26XU-BPK?&?EMN;DC=T0D``$@A-_9MCTW/LJQ^T-(4
MIC),QQ:WQ4K3U%Q,7Q!Y_()RRM+:MK#\JU!O0;"X$#:*4`==^"16HUJCQ(S>
MU,=ED+9"#L<0A&P["D@AQ`&@K]8\>`87%&GFT.J#Q;2L52TX`-Z2E7D"U$$N
M`IU-2#J?&A#,N!67=:D*&Q6U(V;%A15N*4\J4_I-!KP$-R"`DL.NI0"D[*GS
M*5Y5`J&]P%14H$^704TYG@*?/U'>U.+]TNTN<P;QC+$F\VO&<@EV&\+8;5,C
M7!N)ZJ)T'=A=JVZP@D;2VK<0*Z\!R;=M$VV]6>UQ;B\MB9TWO03312(\B.Z\
MQ+BNOA(='30P'$+4M:VVW6Q4H71`6G>W>^W2[8W<\9NL@37\>Z8;>6\T74QU
M[D,D,[@\6I+=%UV40JNNU;8`;O,K?0/@@THKPISJ#^P<`O7IA\SY"GV*Z_'E
M\>`__]6O[%XJ26TTH20?#7E7QJ=#P!&SZUK.#NNC>AL+AH=+8)46S,8+@"1J
MO>E&V@^->5>`1G)(3EBM!NB65JNEU0T(;(6LN;EQURY%$@[0F7/`CI*AM4A5
M*$$@!7IW!?NV8=X,KQZ)(=D2W+S:[%;]E7%,LPUIC0EZ(*UONR([(%"E:04?
MO%0X"XKV)VZQX/G-WO9LN076U]M+?`QY<JPVGU<=<N1$9D7R0ER3)CHD&/%9
M:71)4ZM3BD)25J2DA>CVV]Y'MEN4IF`GN$Q9YTA]D.0<@L]]M#K#ZT(!BR%S
MK6U'BO+<%0@N!1`"A5)X!W[5G&)W-,9VR3HES9Z#;S;T5Q"VW&@:MNH=`*1N
M23RY@?5P"Q^Y;WP]N_;W9Y"GL=GYGDP:4J!8H$MB"AW[QQH+F2W$K5&8:4BJ
MUAM02!N-`"0")=L?U,\=[SY0+/F7>+M-V<MC<A*6\=M=S@S<HN#H=4"V[*G.
MW"W14:[0KK*6ZI%.@G=5(,]WNQ6'FV!W27;,@.3QYME?"92(S+<A:/3K#Q4F
M*RPP$+2JH4E`)J1X5(</;V,WCMMEV;8;,D*CJQ/++J'%.,)"&8]SN3-L#SBE
MJ!5$?=BP6DH`4I2IA^RE"R`=OLMF?RN\1YK8+,V$H,2$..+2J7;G&DB=8WPI
MI9=\A2]'<JE0=CH2-VY02#E99';DL==E04RZ-R%BE%I4`=U1]8X!=/0J^?;/
MW:[J452FZE>?/@/_UD0Q)-5M#=H?H`^%:>.O`&+.;3/N';^;Z*JNA&=?*0A2
MU+4RV'2E+:0KJ%QAMQ(3KN40.>O`(M-"<ARVWLH+;L:W7-4E/3W)1T+`AJ:\
MHJ54[7I#+K:E$!.Y1->7`(?V*MK#W=O+NY-Q"%1L;LURRI:G4!]"KK-DRXUH
M#:=-SD=V3U$:``L@BH!X"VWLO8?<?8O:[<;GVBM=FC93E%[<NS=Z>2_<),`W
MV4VN>]\N8C+;N9M4):@CJ.I9H*T6!L4`D>]FW>[(,X%Z[L]R^XTW&I$7YI*O
M]B9M]FR9VY"V/DV:QVJ-!&/2([M[6`5N%W;#`='F"X[@6O?IY0\\Q2\-83GT
MR1<X#5K7+MLJ4I29"%]<1FX3[72#+C[D<I<(0/*5*34TW$)A[QNP]RSS-5KA
M17)MN#EJGNV@MO(M\^WAQV1)B/NLRF9($^1TT.*04%#2/*0JA2"?]N?T[L/=
MN%_@S,6-QLU]M<[&XN/W:T6DHQRWW*XVR\A-NO`2[(C28\VT-)]8V$R"RIP`
M)+KBE!<CVX[+XMVA[7VK&8\=71MMDBVMQ"GI$E7H(VR(RA*Y;BB6PVGS*\JC
MXFNA#CM_4%PZP8AW<[IWRUMMF+>[P(TB@)V,HO3$*2ILJ4AE+J$;BDUZ@6A*
MAH%$`O>#3WV%175+4N46H;*TI/WBY-HEAH/.@*&Y92`H*%=PT'CP%C6$9`[D
M.-=*2D]9IHJ&XDG:A0;4345\Q%?K/[0BOI1^(JT'\/\`]]*<OC]'`?_70_$7
M07&C]*2>1_LDU'+EP#H8/$9NL%<%X)4F2P4D*%0""E:5$:?9(!'CIP%8-\@K
MMN3]VF+;TRJPVGN?&A&,I/3+KR;K;HCC.P\JS06RD'F*`<`DTV$K#L+S6-`=
M0S+FKLEA0&A]XMV,)K\Q[;HHJD7!E#:`5427MQ*=!P'4_P"SU3%G[5X7;;;M
M5#DV"UR2V$H`#QAL)(:*TH:(4134U(^O@&)O^%0[FN5(DL-@A)`0E#P&E"L*
MTU'EKIHD:FA'`#:PHCVKN-9(UNCH+\>.Z_(0RM#CC*2]&:;ZZ6QN::-"$U`)
M5SY'@&?S^=:;`F)>\BB*C6MZ,W#5=&V5.-17MJW5(?2@$AL-FNY20$I!^@<!
MDXW!Q=Y+-SMD^)*0YYVGFI,=]3J5`TWI;JE2T@`T%1IXUX"/]V<@B6S$+DX)
M/6=:8*6]Z@D)25!--E$[CN/TD;N7`<6GZC%P9=RZWV=$U3TK(9^6Y?<HW62M
M<)FW7*1`BKV;U&.W)#CGEIYRT2*TU`6]J[*)=JM]Q4/O)D-]86J@474J*ZJ;
M4I5.J&R`1\*"O/@+",&L'RJP/7!22AI_UC<;0*JE1C+5S2FNQ:%>)%#]'`1+
MU*?Q'LK_`,NM*C^W\*5KP'__T*[\0N&K7UCQJ2!2@`H30\`Y6!W\PHQE)27#
M&CJ>Z:2`I9:3O"1N(34E(UY<!5W8<G5>,YRYR20VY?WE5;0L`ONNWZ,Z\E2*
M@`=1%2%%5*^/`)KESLFX7J7:BZZXU!R5^?)*E*6'W$PFGF9`2>F"F*TPO;K0
M+`2>2N`Z(?T_.[<?(.S6*==]*[E;;=&A.;E:I?MQ,9Y)`WI40ZR32A)(^G@+
M`LE[B)1;W5-O[YCC?1Z!W=!MQ6]*%IV4;6=R:G;0Z>)I4%(M/="?VGS>1/FX
MW?;PFXR/5R\C@Q5W.(8X=W-M3HS+KMSCHC?9(Z1305%=>`<'(N]LGNU9;?;.
MW.,Q9]M,F.Q?9-_>F0[5!@O@MSI24NP7'[G*Z3ODCI0E(IYEI!KP`2<3DG:*
MZQ;A$D34XRLL1WF'75M-P5O*Z33SJD+4PB')6-`K1"E"AUU"59E?I.2V!R-U
MBHRGFG5*.I#+*P^=:T!+J$I-=14?7P''G[SL*[G8U[H<SM'<"T9#;F,F]1DG
M;HY"%%<S`LIENRK(]9M[S_IL:<5$=4PW5"?O''BA)>-0(N!VEVTV>T(>WH2W
M$;2PVI)IT_5[6U*`.H<2\V=#3<E8K73@'4@W=]K"[=&?3T0A$AQM*O*K8Z4N
M#0@*2-NVE:<`$/FO^8.KO--VVM1_;IRX#__1JNQ*[I^Z\^HVZ!7T?MX!K<&R
M!+9:0I9(4!N%:@C2NGPIP%=WN85C/;'O;9[AB=Q$B+D#J;W<;2J0PIJ!/]0X
MY+B,*VMGIIDI:=0WYPE(54U33@!96S0,GF37W43+#E\%3EHEU2N*;@XYZB&V
ME:D[&5W2WRN@"0FJTCG2I!EO93WDAXC?K[A2[BQ"1-N<BZ6V&Z6VD);GOI5,
M;@H!3UC"ENFK8!6$J*A4`'@+/<]E9-;[7'S-B[7/)(=L#,@XQCT!VZ3")"7=
MLAZ+'4X^\XR"D@5"4IJK56T@(UBGO6PX08C,O![@)K04EY5U==M*VGT+*0V]
M'-G=2AULZ%*E`A.AIX@=,7]Y;LM01B^"/W$=!E3]+=?[BAMW:5.H,F#!AP8_
M3J!5Q>@56M.0$[#NZ.<=X0^Q?>V]BQ_#I[[EK?N4ZZEZX2V7&Y+<EJ+94(F1
M%Q]B]KCCLE"MSB@4$I(`:KW$=P<&[%]J[YDDV:A=MPO&52E_XAM<V=\LC%PL
M,K-7'I=SN*(\**D[NL^^E(!/(.3-W/LZ[NY9([M=\;VN]9"S;(-GAMNML18-
MAQBV/R'[9C4"*AMI(2A<Q942D.K+A2#JH$&H[1XM<<S:5E]UCF/9^JHP`^%"
M.A(6D(:;!'^(E&,HGQ2A!3OV'8"!&S6[H8:5':5M%%)!`2D'[1Y)HD<`MOSD
M?B#I[E;-M*Z_:ZO]FE>7C3@/_]*D_'+WT%(JYH0"#R&@&WX?Z^`-S4NTY)9)
MU@O;?J[7=HRX<QE+[T9TMKTZC$F*ZS)BR&ET4VXVM+B%@*201P%3/O/Q+MCV
M.N%B./=RL]O^;9"')7X9OLUN^O6&P.EYMR[.Y$'H4N,'Y;72C,*:=6Z$N**@
ME'F#1^WSN3=.Y+EK[71H+V9W#(IC4&V6*V0Y4J^HE!75#\:WV^,_+3&2H*=?
M=2@(9*2X%IJO<#!8]@C]VNS=YL%SND&=;G@ZF0R^E,ME]`(;=8G-)*D/)(VZ
M)*E`^8J3P%LGM@S&[6=*+1DEUDW1V[2BY\TN<EZ0YO6E#`@SH[P4E+;2$C8E
M(0-@-.?`//\`D9;LFN#>0X]TK;<WU(6N1`D/Q5+6E)*>LY%6TU+0'"#1]+A!
MH*C@"I8.R&0)D.2LIN:+Q$><<??@SWE2(#Y6E"7''H#;X@O)<3S2ZVI!KR^`
M3_+)3.+6%]Y*&D>C##,6*UTFVO.`PRVAIKIA+8)HE":`#2@U'`5D=^NT>9^Z
M>Q7#'L=R*18[1B^36LY&Q)DI7-R9RY0Y+]AN0MD9YN=)L./3+9,0L.J1&5,6
MP4I4ML[`JO\`=O[*>^78#&+=D^/8VSGV)]!R;<8\/>W.;<;"''O4LMA;CC:&
M@'"ELUHI9.ZO`)C:OU!^Z=LM<7&96"X&S#LC:;<(+5MOMJF0T,T*6G`B]+B=
M8T*E+]."M=5$;J\![E^]>/>$.?/\+EQ7E5VNVFZ-RVA70UCS(L923\/O3IP$
M9_[C<0]3\Q]+D'6WU]-Z*'OK7=7J_,]E/#@/_]/GIL^0H"4H4NB@.>@U&GE%
M=:<!'.Y?N4MW:JV.QX?0O>8/QMULLG45THQ<"NC<;T65I=CV]*@"$!2'9%-J
M"@;G$`D?9KMAE'O;]R&,XAFN72Q<\G7)D7.[!+!F"U6II*S:;###0AQ$M-$]
M-MMHMLH"W-BB%5#JT]NGL0[4^W.^X8WBF"VN/:K7>;%/R*7=(ELN\R\-&='1
M+<OLK*K1D\2XI,=UXI1+B2HC"20(Y2-I#(B>V^V]O+I?[,N"R7&;W=X+@C[7
M67T1ISL4*9>::CLR6D]).UU#:$N!8*4I"@.`]UZ[.Q(2=K$78I09,21$#;"V
M7.DM:5I6A%7%J<"4E--PYC77@)!CG=7(<!/R'([?.FQTU<CRXO4:<<+>P)4\
M@%2Z%0226QHH`A)&G`%I'NHAN!42'9[U*<<#:FV2E#33;X4@@B5(;;4V-YYA
M&^GA7@-I%NV3]P)?S2]1S:[?""S$MO3<6EIY1Z;<K<XALO\`5;<-%$5`4:`%
M1/`,?V#QB-;[CD>/!QZF3X%>9LV&W+G,19TK"+K;L@A,SH%OM\Q5R6TW*E+9
M2XXRPTZ0ZM12V1P!#S_%+3-Q:YVZ9`BOVXPEU#@2[5!6I*6BA0`4"7"JAJ`!
M0Z'0.&G]4KM_AO;_`-PL5G%($6V2;UC[MPO;,*C:'PU<76+7*D,H/33(4A#K
M>\?;2V!7R<!6JM02!YM5$<O$G3F:TT%>`]VT;?I^U_I_9_IX#__4Y'\][MN8
MS'<MUD6TN^.H`7)4$.LVI*T)(<+:MR'Y^Q04VTH;$A06L%-$+!/+C<)%RF2)
M<N2]*F2WER)#S[JGY,E]PU6_(<75;CBU>)T`H!0`#@"O[<>]UR]N??;M;WJM
M415R5V^RZWW:ZVE*FD_.\:=W6[*K"A;R'&V7;MCTN2RTZH*Z+RDN`$H'`?1<
MQUO#LWP?'L\Q&X0;QBN9XO:<JQF^1'#+AW6S7V"S<[/<V5)4.JU+BR4+U)("
MJ$DUX`==Q[.G+L6@YFW61?L5N-JQKN"^X[<Y3BXDI/RW$LNF7*\7N<X_+O:F
MVK>N/&9:9:4TVH;2L`@+,GL[$*':IZDK80MI"770T5#:X$]1+J4+<2"E0U-%
M(W:'F3P&@G]OHE_BH?\`3,3%,J9<^[02L(HG?N!"RX2E1H>8)&OQ#RM>`V6$
M4*18D^I84D(<86(J0W1:5A]NB5G[T`4%0I5#33@#$Q;8D.U6]:E!;\N<TAV,
M6P%!D*2G;NVH"DU4`-:D\`0NTUP2QWW[?8Y+#46W97%[B8T5O^HC-MS;SB\M
M,5$E;-^Q]IQM330=0F1(,52FCO0K:D@(IW,R6Y3+$N!:0\J0VV]#DR%(+2&G
M6.MU@0O:A:F%`UY)!U)TIP'!]^H)W!CY_P"ZGN7.@2S.MN/2HF'0)>]+B%IL
M3-+GM4!JA.02)GQJ=:Z\`FJ:N)"E&H^L:5U!\/$\!F4TK56[;\?"G[>>E.7`
M?__5X7)\UZXNN...%2G7''%N*45+6XXM2UN*43N4MQ:B23S)J=>`P`BE**4*
M>((J:#6I`!%3^S@,9Y*Z;4UH`34U'A4#[5?,!_1X<!UD_H*>^RSY/@KOL@[H
MY%Z++<.=NEY[$/7)Y1.1XE+7+O&3X&W+EO*K<<5DAZ7!CTHJW/NI;2$0@.`O
MTOB&L2ODG('+&+G`FQ9./9=;8[%I$Z]X;>0W`OD"T3[K;Y[5MR(1W"[;9A1O
MBRTH6V4J'`:;-\'?AM6BVQTLWO%[K:YDZP7N(B0]"N4%A<=N0J/-?B0E2)5O
M1+2Q+2&4!N4A:2@#@(7AT5QJ:Y;W6DE*06U+0!M51)"24+0"DD<J$CZ.?`3`
M8U.;BN2%,H,,(6M<AM`4^I*>25D)1Y4"E/-2IYD\!,&\?==BV^.W$#A9@,RW
M0[NZJ&GG%J0M2>JLN'[L%(30IKX5H0(>'X?;;EWB[-O,@P[K!S:'>1+B./19
M,.WX[$E7>Z2FY";O8'6"S!B.;UIGQBE"MU3M`(5=?K#>[FP>V7L+DLNQSX-O
M[G]UI=]LN"V5DK;NCINZW9%QOB$B5+D1+;CD:6EQU9=<W.EMA3I4\E1#@NG2
M),IR1(F/NRI,EYV7(DR"777Y,EQ;TAYUU94IQQUU14M1J5*))/`>,-9W`!2`
M">12!STY)4!R^BG`;;QV?\S=2FE*TW?:K2FWQX#_UN$X?83R_P!W['-/][X5
MX#P56G_,YBM-NW_>\:4^'`?G[H_II6E/_7Z^`)/8W?\`GMVCZ?YI=3\RL(V?
MDIT/SEW_`#ZW[?RO]5_A/S!K_P!)ZGW?K.GNTX#Z,TWYG^65C^=?C#YO\LL'
MS7\>?A+\;^OVV_U/XP_`/^1_Q'UZ^J^2_P`M]7_`^YIP$TA__F]]ZGHO0>M8
M]3^(OXOJOOO1_@GTO^8_7;Z_-_2?X*G0]5Y=O`#WM_TO5HW_`"[=U-.MZSU7
M)?+H_=U_^2OC3Z>`).24^5S]M:>D>_Z9O]!_'1]KJ^?TU?M__9M\*<!)+7MZ
MC5>A_P!%M7V.M3;TUUIL_NU\V_;3PX`J]I^EZKN%MV_,_P`K\K]+\K]9^-?E
MF^'\U_#_`%/\H_AG9M^?^L_F_HJ_+O-OX#@;_6U^<?\`>;=/G?Y^>H^2'TOY
MU_@7Y!\M^;3_`$'Y.?E__*_R^]/3;ZS^;>JZOK/OMW`4]/<CRY'ZZZ<J:T^'
JA3@,*/\`QQR^T?L4I^]6E-:?'Z>7`;W3K?NUZ/\`M=2F_P#X:_WN`__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>72
<FILENAME>g655868rosen_x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868rosen_x1.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0K`4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!Q````!@``````````````:@```%`````(`'(`;P!S
M`&4`;@!?`'@`,0````$``````````````````````````0``````````````
M4````&H`````````````````````````````````````````````.$))3001
M```````!`0`X0DE-!!0```````0````".$))300,``````@?`````0```%``
M``!J````\```8V````@#`!@``?_8_^``$$I&248``0(!`$@`2```_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`YMK45K$[&(S6)*1AB<M#1)T"*2U@\7>"IY5[3]-Q,\,9H2DI
M=^0UOYI4ZWLL$M^[NLW[5@A^VTEI\=L_]+<INS,1H.U^]OB-"$E-\ME#<Q"Q
MLQCQ`^B.Y*LM+;&[FF0DIJN:@6!7+&*O8W1)3__0QV,1'2T>WGQ/`\U)C0!)
M[*MDY,@]F3H/WC_Y%)3%Q<\$-XC4GO\`RC_WU4C7ZNXN=Z=0T?9^<X_NM*MV
MV;:?3&MEO/S]NU7^F=(;>]KG>ZJL>W^43[G/24X].(+X9@4N$:;]/^J+=_\`
MTD2[ZLY+:S;8)>=..R[[$P<>JL!C`/(`(KJFG0B0DI\GNQWXYA\MCM\%;PNH
M$>TC1WWPNJ^LO0J,K&LM8-MM8+FPN*P[:A8&O$1I\TE.VX!S9'<2JUC5=8UA
MJ!;\U7N:DI__T<V]S65:Z2LU[@X[W:5UB8/W!7,YCC8&^(63U&W93L'T2\-/
MR24O5DNLRMW9GN']D?\`I1=WTF@48=;(]VT3\5P_1Z!Z];K.;';M!/M;Y?UE
MW6+G]/,-]=@=QM<=I!^#H24Z=7!TT2/,)FV50-KI'DJ'4>OX&"=KILL/YK>!
M_6<DI-DL:YC@_@B"O-.M=-KPNI&MKB66C>T\$:KT'%ZBW/:2U]39XK#MSO[6
MTKDOKGC/9?CW_FB6N/Q24UNFWO:?0L]P/T7*U>WE9.):0X:[7-.A\"%LN(LK
M#QW&H24__]++Z@',?N/#A`_U_JK#ZE67>A7&KSN^9=L_[ZNDZH&_8FN/(</R
M%8N4T"VMY.C6MCY>\_\`5)*;_2:;W7W.QFAQI9Z;)\DUG1^J76LMR[G`'6S8
M&M(@_1K$?]6K7U2?--CI]Y>9/DNE?6UVKO!)3F_5YN15-.0XN`'M)0.I]'.3
M?9N;N89$>'@Y:6,X.RHKUVZ$JSDV-I<#8V6._.';XI*<?I7U>HIMKMVPZN?<
M/:3/[VWZ2A];\>FS":V-6GV_($K>9;26RPR/)<Y]:\BMM+G/(`:"6@F)=M)V
MA)3QE3OTKQX//X&%KX=A+-A\-%D8+9>\GX_,K:Q*P&%_@DI__]/,ZJYYPVEO
MT6GW+(R7^I761W]I^?M6CEYN150YM5#KP]I!+=2)_D?26#CY;23CVRP^>D%)
M3N?5ZYV+E.I=IN`='G*Z2W.8T!N[5V@\5PXOOJN;<!);S'!718>97FU&N"QP
M`EVDS^*2G18S*;8+<=P#>=I_\DKPKOO_`$E[I,1M'T?BN?&/G5NVNO<6=G#7
M3^KN:K5.-;;(=8XD\N(`_P#).24WQ593:&-U8_CR6'];*L:S`=ZUPJL;[Z61
M)L>(9Z;?[+UMLV8E>U@)GN22?Q7'==O?FYYN<TBJB6M)&G\IZ2FEB4[&!SN7
M=EJ52RKW=^RH8-^(7FR^YC=NC&$JW9DTV"*GM?\`U2#^1)3_`/_4Y/.ZP,:M
MU=9F]P@1^;/YY5+H_P!7L[.'VI[C723()U<[SU64YQ)))DG4DKT/ZCY%6;TC
MT3'JXKMCQXM.M3_\WV)*:CNA,JLK#)V>FV?-WT7_`+WYP1J\)]!#F'4:B5T5
M]#7UN8![ZA+?-OYP']5RJNK'I@]DE(L;+K(#7P'#D%6CEXS1])H\@JEF$Q_N
MA2JPJF&8GXI*6N8<N000UWM`\E='3J'5-+V#;;6);&G&UWYK6_2:F%;6:#L!
MPK5=K?LE3^![V_-KC_Y))3Y[]:_J]CX$Y6-[6R-S.VIA<RNS^O64?0KJX-CY
MC^2W_P`R7&)*?__5\P6M]6.M'HW567O)^S6CT\@?R3^?_6J=[UDICPDI]F>6
M6,9D4%MC7`/K>-6N!U''TF/4;:@ZMKJQ-5AT'[IB?3=_56-]2?\`Q/,_GOI.
M_G?H_P#H-_P'_HSU%N4?T>W^J.>/I-_Z22FO2WEJ**G`B1R=$^-SV^?*(?YQ
MG]8?!)2FU`N)(T*EMHHP"ZP@,#[+-SM(:`&N)=/[P<I#Z']RQ_K_`/\`B?'\
M]]%G\Q_-]_I?]UO]+_PR2GSWZP=4/4^I67M/Z%GLI'\D?G?VUF!.H]TE/__9
M`#A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(``V
M`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$`````!
M_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_
MP``1"`!J`%`#`1$``A$!`Q$!_]T`!``*_\0`A````@,!`0$!````````````
M!PD&"`H%`P0+`0$`````````````````````$``"`@$#`@,$!@8&!PD````!
M`@,$!1$2!@`'(3$302(4"%%A,C,5"8%"(S0U-W&18A8V%Z%28T1E9SGPP8)3
M5&1T5681`0````````````````````#_V@`,`P$``A$#$0`_`$G8['N^A\03
MYZDD#V_I\M.@F]'$L=/`GZ?,Z^T_U]!*JV'?0>#Z>PGP&@UU\/'R`Z#H6*,5
M"J;-EC#""=AVN?68:^Y"H4F5_#3P_3IT`OS/</%XF2-'QF9E65V2.3T*]=)5
M37<\`L68VE`/LU!/F/#H))Q_-8CD]43XV9G8[5:M(GH6D+L4V^BY;<%8:'86
MT.@.A\.@]IL?ZRZZ'70Z@C0C3Z1IJ"#]/00S*8EAJ=&U&I\//S(\AX^&O0#G
M)TF\58$L/:03]G4:#30Z?Z.@$V=J-&[>&@TT.AT\3[=`?KZ#_]!2F)Q.H71?
M'P][33V>9'0$?&X5B!JGCIJ?`ZCV>&NOD>@D$\V+PL4GJ0F]DHXV:.DN@2'8
M'8RV!H!(J;22I(0:>\3XKT%;.YG-\7+(HS64N3/D('DQW'>,SR5+]U7D4122
M6ZDD=LJB!P@B`@E'N@-H&4*K?YF=BZN:;%<OGNX>6+]C).W#$RFRRHT]27)0
M<@@O+,JZMK'7W:G<%)T'02B]WB[2X^K:&.Y(>38Z,1Q+=J134[="3?&8);"/
M)#D`M:R4]4RJLJQ,2Q9@L@`@=M^\>'S5=X:0VX^O$)5GR.0+)72Q)HRQ2RSZ
MICJSN$A0>[&NB#W`-H'7'24^2XR3(X^S#9A75C&08[)BT"^L*[*K20>/V@`/
MJZ"!9[%["Y"Z:;CIX>`&HT\CIX#H`UR*B7B8J/>&OT@?1I[/$GPZ#__16[@\
M26TU7S`\O'Q]@&GCY#H)9?>YB8%%%8([;02RK;MZ"ICXD!];)6V,D2I7K(I(
MU(W,-!IH2`#.1LY#.Q6:^,E9ZII>O;N6XM\]M0=9<O>@L"LOPLDFR"C3E$4$
MCRCUPD+2QD*R2X'^]ISMB]FXN*<*I2MC^1<U9IK/).7Y(*UB?%XB]8H'(W%>
M*5GGE>!U19OV56,+'!7#M\1[55>>O!@OEX[9<BH)7/PLO*9WPUF2QO6,6?B\
MM=XZW*+R69;"NL=B\3!$_DY!0!+N7?EH=RL7Q^_RSD-6:_FKL_PSQ0T)6"U5
MK,TYFJ@Q5XT8IX,$,.A^P?%@%`^8\"S/;2TU3,?%X<4;$;M`('>S8KU9'$8C
MC$]-IW3<Q75@NXDD@G<`L%V5[_3Q+-1N5`D.14QHAKQO=^$CV;7FDKS*3"I5
M=![J`*-J;0`0N%>AAR5.&W"5>*U5@M1L-/NK$0D4,NIVNFI!'MTU'@>@"?(J
M/IM*I70'<?#].OGXZ=!__]*DF'I1U*[V)0$CA0R%F\`%4;B3KH=`/$_T=`$N
MXW<<VXIW>..OQZ.S%!7J(KL>07:\BBG5F#L'?%5W55E"[1+(NS4!I.@BO)>1
MG'<,_NY62"[R7F<$J6XXMK&47);&*IXI`Z>FJ2Q&YJ@0.MJ4:!=J[0M?\LOR
MCXON'FL)D\LT.;X=Q/&0KAF2K%'%R'*9.;\9R^>N1H&J--D)[Z*NY3[L,97:
M`H`/][2]B^!</XW##B,#B,>%1))8*6-IP>K-MC4&=HX5WZ!5\]WD`?`:=!.<
MGQ;'VT6"Q0KW:RJXC29(GC5]S:,(RI3>KJ"`=?+V^?0)9_,D^17A7=?MGS7E
MF(K#$<RXIB,EF\**D?I5YYZT#V)X74:-&Y0'8Z^)\MI!\`S`=H>4<8JYZAB\
MO3BKO#7AIR-.5<?&UY/1M(@D'Q*:R1[E:-CH693KX#H&]X?'8FWQ.C9QW@Z0
M0BQ&S;Y-D\/KUY$L1HL5R%%)C]4!"Y34HFH0`&^88\J)&"^*[OZ@6Z#_TZ1\
MYO4L)QMDL2QPK-^SE)#[O29-964*Z:A8@=?$'R.O04GRN0JY.Q)FLFXJ<8XK
M1FR9K6=OHN^_\.HPR1#T2T\LTCNNW;L8(!IY]`'.+=Q<ARCNA+D"LYBP4LF>
MKQ(%EL58N+X^M/7K@%`DES(<N@+G8O[4$C0`E>@U@?*7P.+@/:+AN%>M'%D(
M^.XOX]0BZQ7#4A-F7TW]\*LHTT+ZHNGL\.@OSQ-V6I:C,"^D6W;PR^3`$$*%
M!]\MKKKKKY^/AT'M<=Y)6A4[//;N4N`-NA!7P!'B-"/HTZ`!]R\)0RF*RU;,
M@K5NT+-:U(`8V$%C5)W01!0#%$Q.FNB@:CR'08>_G/\`EOP'8GYDK''J&4M7
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M&H^D!=K%Y_C!C@_#LE7MP&!6:2C.D\+(^H$FL3LCQ/\`:\]?#7H*@?,5\^O8
MGL%,F,R468Y9RJ96(Q&$^%K4*(])I3+FLQ8,BXZL5^RRQ2L6(`7S/01KM?\`
M,7C/F*QT]W'\A[28OXR%EJ\2QO**W+N15:[K((VRMW%9,T*5DOL5D$4@4MX[
M2"O09V_SF^V>5P'.^T?/TTBH039[CF4M1JY"5LO!/JWJQ*&;?"LX4CS.@'VN
M@H1VEY3;I9/'>I:&,R6,RCK0GC1F&.O4V2'T[4*RCU(J\RE+M8.X>-=1J20`
M9/E+D7),#5S,$0C-RMOGA#[Q7LIOBM5Q(NJN(;,;JK?K``^WH/_5HAW^KW\+
ME5R=MF>#+T(,73=8B1'OMR&PH8G8S?AD[.1_L6/F"2"LOF.X_9RA[7<?2J[6
M,_9ESX0,X9[>3Y-7XW4GD4*ICB]+%D>9TW'3P\@9)\I?$><Y/G/<6_VLQF+R
MMC@7!8^WV`&0,\16QB8J\DUI#5K6)/B+UR*(RD%?5)+!E!'0?'G_`)//FCYU
MRK`\I[S=QN304KR/9YE%Q?#\9XME<;/6NV+2XCA^.JXB5;,<]81US8R,D_H2
M&2;2P`H<&N?E\8SGW$VL<([DY2WFJM7%/8Q%K(L?B519W1*=@)7K03R)56.5
MVC6-$=V4:@;F`9?,W\H4G=+G/+%RV,?-8*S+DJL=676*.A9$RV,;E*BQ70MU
M\<(8V$-D/!.&E5P/=8!V_E7_`"].#\(Y)PSE*X9J&3XHV49\U6$&!R&9@S4D
MTMJKE*^!N-%E(ZS2Z0^N["%$4*GJ;G<(Y^;OP#A_(>RF*Q;0JU_%Y1),4=7D
ME<4,!DKM:#P<S,9)JH35B6);74ZZ]!E>XO=/]Y>2Q1L8A0Y;?1%A*,DAIY%<
M?)\.$8J5MT+4#2'71WC9M22208WV<Y);NX5,#<C8*E8)!JQ8HJ022JK$ZEB4
M4G4DDGZAT'__UJZ?-%%07LWC,M+KZ]?DN.@B*H']PT,S,Y?4[M`J-Y:Z$^S7
MH%A=S<=6K<IX7FI[*208S!</CAC+QG2'&P-RK(U=6D"`.^2W.==-$.OO:=`R
M7\IG,QS\1YAE380YF[SG+/:L1[T$E60UTA,:;5/H200*T>ODI`!.W5@=EF\#
M1R<?Q&1$+L];<B-Z9<@J69]LBK*^P-H?!M?8?/0!5VZNUK_=`0<?DKS182%*
MV0FB!6**>>96:.*0L%LO#'$"X0D("!]0`Z]R^24.#Y*M<Y%C'N8'+F"27*XY
M`\F,,C+4A:_'JDGP[S!-K@E0S#7P)`"187E/#;>.%W!W8;%9F0EJ\JQGU6C`
M"&-'W*"#Y>(U/Z>@2K^:IW#P%'AF5R&7M5(*6)H9VUB:EF[7HR97/P\4R]^C
MB\>UJ5!/D;44;&.-=SMH2%;0]!F;['X_XG*Y^>P5=T%:[ZTC+^UR%MJ$[E-W
ME*Y]W7P`8?T=`S[M3@*L.*N9M"I2L1"GB2SE_CC'(=0"=8)@-=/`CH/_UZ.?
M-9=S-WM'BKF/:9\7B\LDF8]'<WP\5F!H(;4RC_=T;4.Q]U=VOU@%U]R<HO(.
M/\0N5&^_L/@[3>HKJ5M5*N*5?5C$C*C?%P(I.@!C(\``0%K_`,O;FE_M1W-S
M/"<H$J-F<-1S"P>K&`UN2_<JVHTB0@*R5Y:P"A0/>&GAH.@=?R3OEA\=4K8M
M\I%';R3_``])1(6MNS!=Z1(`J&"--S,X.@^DCH(7A</W2Q?(Z7*^W6>Q=?$F
MQ'=.+RD,CQ33BR9K$J9>I.TT"22*QVNDXWL?U3T%I8..\U[@M'R'GN=:S8CI
MR53A,;,QXX':2%DOV([$<$N0N0%!LW[(8@==-1KT`KAXUG>#\F@PN-]6;!Y\
MV9:42F39CK,`>T8)(SJT52:M$S1L=J(RF-B"5)!67YL/&NW'*.Q6:7G7<>GP
MGEF'L#E_;K`RT%RF2[D\QJMC\!6X?BX/C(+$338;DTLLMF))A"D?O+L8D`EW
MM3Q'\#P\-_)ZFYDIHA%4C`DDLR1&%9O1"EFE6+8!K[948CP/07JXPEO!<5E-
MY_3>YMF:`,NV%4C*@,=3[S`;M/#0..@__]!:?=OO3S[B/"<GC.(]JN1=RJ?(
M<%D\7=GXTU?)6L:;M::M+%:X\NN6L1&K(666!)@#X$`@:@IGM_W;HVI;W;OF
M*VL'.9Y2RY*&2M9P^<9BTRSK.L;PM5L%A,LBH89(D=@J*S*!?AYWS?B?,L-S
M2M1:[=QUB*.[)65I*>5@=E@DG$D(>6K)DHHPP)&^*4^[JFIZ!RO9[O'QSOOQ
M:;CJXW)\9RL&/HK/G9ZV+KYJ+(/I*TM.O.F1ADAI>FH9FC=0[:;3IT'E!V_[
MV<8R2XR_W3Y+;XZ"RU,I76Q<:.M(^Y9)L:N=Q,,DHC=?W5&5O+:GD`./#^VG
M*N8"S%>YGR"Q-9<K;REVI1Q0^'+*L@J15US&5N2R(-1Z]F%3Y[P=.@M3B/P/
MLSQ^7'86E:L2W:\:239&_>O7;4[5GALW9[=^U8EA6:+4.RG8H;W!Y:!FN^>7
MG.<[Y=^;W,\AB<G4X=VQKW\'@Y[=&Q#CXI9;<]C.\@&_U&A;)2UU@K!_3F^"
MIQDJ)&8`!+V0YUVFES.0Y'W`[C\/Q'X7Z=3CV`NYN""66%?V@M323$5J\32:
M;E,GK-X`*H.H`_<@[E\1Y-&T/%.4<;SD<<>U8<!FL9DUAA0!0OI4+,QB10-!
MJ!IT'__1SW=\OF_J=K>.9/C7&+LUGN/E\39K8UJ<D#+Q"2]4>.IGLDTJ6(5M
M5/56Q6JLC&8JK.%B8,P5G^3_`/+W[X]^JD7=W.9N[Q+@60MSW8LA94Y7DO+3
M-)))+?K0Y"&S4AKVIMQ-NSZDS$[EB8$/T#H[_P`C>*XER3A<6(^+''_\L^(S
MV%>>&Q-<ST=:3$<AM79FMY2T;EG*XZ>242F`^(VPQ1[%Z`EX+LOE.`6(<CA;
M$D<]:4W:C6-BQ2%IB!#'*")BLX0^[MV;@3X'H+Q]MN[7'+=>''<@%.GEH)5%
MFEE%6-]A($C01A2+(!]J@KH=3H`=`.5GNWVVQM=8VR>%J.%=/AJC5YII_35M
M17K5A+-,`!X^&@]ITZ`$<SQ$W>".:&6I;K8C+;\16@&B2/C7]03R3JH5G-I@
M"NT:>GIY^)Z"T</R]<)R?%\5;S/%\9^&<SX'AYLCC)<3$M-FLXV/%9F.I%'A
M<)C/@AE\7815IPFM`$])7=HF/092?S5_R].`?+FV1[L]L7.&Q4F8HC+\=9G:
MI,F;R`QN^H@54JV8[EF&3;X(P#[1X#H$?[B`6&Y=//:2OCK[---1T'__TL*U
MV[9NV;%NY/):LVIY;-JS8D>S8L6)W:6:Q8L3-)/8L32.69W)9F)).O0;(OR0
M>X/%>^/RBG@\BU4YMV.Y$>)<CILD)FN\?NC\1X-GE1Y&D^&GQ@?'DL0IGQTG
M@%*CH&M<XX/1R_',MB*\$0S_``RK-D\,BSIZV3XQ-+\7F:5"+UI)IKF%R=AK
MA@BBC04YKDTK$(.@!63XW73`X^XZQ"%2Z'UALB5-^FBMM3TE8KKM\`W]70#O
MDG9K%9UH<@U)4\(X97A6-D=73>K$;64'U3[06\//H.EQ;LMQ7$68K,=1YY96
M`:*Q7D-=7T"AI959:[Q./'3Q&GL'06,K\>QV'<5(E@7\/J8]8TKN/27U9X6(
M$D894*1*`/'P!_0`.N#Y)0':+M]GHXTIUY8>X6!=&C"R+?X_SO,RQTS*(C);
ML5J>6A0J\K2*``$1=I<,OWYZ'=.W)PGAG$))HZTW,.7B_)1EU6S9P7'J]FU+
M;],@;4_&Y:@!T(&PC[6N@9FE;U`0/8WGX_2#KY>?0?_3PEE"%T'O*I+!=%(U
MT\]`"/$GZ/\`1T#`_P`L;YT;7R1?-)Q[GF:FL_Y3\ZKCMYWBI01/8:/B.5MP
MRUN358$@LO)E>#YB*')Q+$AL35XYZR%?B&/0;N,K/B.2XGC/<7@62PG)L7DJ
M%+E?$N0T;"9+C/),5DZ\=ZA+8M4+*PYGBO(,?/LLH':*W2F=#N1ST'#Y)Q.G
MD<!C,IQC'S3<.Y3D;1@KNWKVN+YB6DU^YP[)SUJ5&A#>QD>^2"*%2K8YZTFK
M%FZ"%\1Q\@-W&M$P6*!PLBEMH,*`1L054C9IK[5&GLTZ":0<4OPS8\2UO32U
M;JPPM`FOQ,DC@G>&.T-L\--?`#RTTZ">8[C->:[=GL4XS4M+9@,BLX215L-&
M0P4MH$&NF[5O'4=!V(Z7"^`]B,AE.16<7C^/4N;=RN=C-9>:"I%A..8S&XS#
MY;(7\E+E-T>-_%L==G=YH(441.4?:'+A^>]^8)\TEOYK?F.Y;SJE;DDX)@I9
M^)]NJBQO#6'&<?9EVY2*K(J25WSUG=9VN/42)HT?5HR2%'*S[9"NJ@$G4,6U
M)!T\`6'CH?HZ#__4PDC[?Z_VF^WY^1\O[7_=T'A/]W^K]Y[/L^9\O[?0;@_R
M4_\`IZ\6_G!_'>:?S,_P]^\5_P"2W_*[Z/\`C7Q_0-2X+_+OG?W'^%L)^^_N
M?^*,%^Z?\8_]-_[?U>@X/;;[\_PC[?\`OG[[Y+]G_9?Z_P!>G036W_'<!]C^
M-U/_`(/W2_<_7_Y/]G;T$LB_A<7GY3_N_P"\?>3?NOU_ZG]KH%R_G\?]/ZM_
M.S_#?!/Y+_RO^YS'\;_Y(?\`WG_Z?=T&`<_8]GM_H_\`%_V\N@YH^^'EY_J_
*T_J_7]'U=!__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>73
<FILENAME>g655868webster.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868webster.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0O04&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!O````!@``````````````>P```&P````'`'<`90!B
M`',`=`!E`'(````!``````````````````````````$``````````````&P`
M``![`````````````````````````````````````````````#A"24T$$0``
M`````0$`.$))3004```````$`````CA"24T$#``````),0````$```!B````
M<````2@``(&````)%0`8``'_V/_@`!!*1DE&``$"`0!(`$@``/_N``Y!9&]B
M90!D@`````'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,
M#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.
M#@X4%`X.#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#/_``!$(`'``8@,!(@`"$0$#$0'_W0`$``?_Q`$_```!!0$!`0$!
M`0`````````#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'
M"`D*"Q```00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"
M(R054L%B,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#
MTW7C\T8GE*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W
M$0`"`@$"!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P
M,R1BX7*"DD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S
M1I2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$`
M`A$#$0`_`.0`4@%(-4@$E,=J?:IPM3$QZ,.K[1E`&\B:F.B&^'L_TCDE-2KI
M=Y;ZEY&-5^];H3_83G$PMK@+G.>!+(`@H>3U%F58&['.LGZ(=N:1^*'=C]3$
MO%;F-:-K1$1',-24N*&O$UO#M"8.A@>"$6D<B%6=9FX^ME9#A$$@Z'XJ-?52
M'>G8-V@D=A_524V2U1+41CV6MW,^8\"D0DI`6J!".YJ&X)*10DI0DDI__]#E
MP%,-2:U$:U)23$#!<++!+*P7GY#V_P#26AT?H&=UUSK7N+,9QU<[EQ_>'[JS
MV`&RNF8-SMH$Q/\`YBO2NEULP\&NIFD-&OBDIK]+^JG2>F-D5M?9&KSJ5=NQ
M\1PC8W[A\$SK]QY5=]I)T24U<SIV!8TM?4"TZ:A<MU/ZIX%@>:0&GEH&D%=5
M:YVNJSKW23*2GSQ@OZ?ENIR9V.]OP\"M!S59^M&,TU"X:.:8E5<9XNQVO'(]
MI^(24P<U"<U67M0G-24@A)3A))3_`/_1Y]K45K$S6HS6I*:ESS5FXVI#203I
MIH?^J7J%+'6U5[1`+08^2\]R^C^N[IMU=S;#;9LLI:#N9);M#OS7;FKK?K3;
MDU5-HHL]-CO:03L9I]*R^S_0UL]R2G2MOPZCZ?JL-G=H<)^Y`<]D_BO,LO,H
M?>,;&MMR;)^D*V5UNTW?H6.'K>F[]Y[ET_U5SG99.*[<0ULL<27-^#'G_J$E
M.WDYE-3'.L<&-'TG.,`+%?UWIUEGIU%]I/!``!_JEY;N5;ZV_:'W,PZZW6-#
M399';]P#^4N>'3>HU/#*Z*W-(#G;V!QDCW-<Y_[O\EZ2GH<VJCJ.+=0PEKRW
MZ+A#@?S2N;Z!ZMK,NH-+O0(L<X=@?T9G_-71]+9<QM3K&;>`X$[H_DM<?I-5
M)F`<'*RFU$@66%U@GD$';I_:24UWM07M5Q[%7L:DIKPDI[?RI)*?_]+(8U'8
MQ0K;*MU,24WNF/KJJ+GM+G"^H,CMOW>YW^:NGS,6G)<YMK18//4+G>EV-Q\M
MC[!-+O9:")$'Z+H_X-_O72.W8[?TI!='(X/FDIP+_JVSU]S`RNOMM'_?5I]/
MZ;5CN!K!D=__`"*I9O5_3G:-SNP\2B8G4VX-'KY;+7Y-IW-L8TN8UAT%?M^@
MDIK]6QV-S2^P0UP#92KZ3CN`<1H>P,`JAUGZP^I?5-9N(=(K`D$?R_W56KZA
MD55AY=L:9)J[-'\E)3?S&MK.U@@-X`\E1S6,=?9<.2UK(\_I$ISDF^QK@9GN
MBVU.+;+'0)L]H\6D?2_!)3EV,5:QJOVLA5;&I*:FT?BDB;4DE/\`_].E4Q7:
M6(%+>%?I8DI+0T->QQ&X-()![PKSGOLI>PN<1.X.<==?I-_LH5-2MLI!$1RD
MIYW,]:JYI%+K@`70R"3'YHDM1<?ZQT9=;J&8>0VT>WTK0VI_]G<[W<+0OK-6
M1M=P#[7)\JMWIAS(#AS+0X'_`#DE.%E564BRTX1JV:O=98UHU[Z+'^V=2R\D
M54L951^?<022/SM@=_U:V,AF3987/+?=R0QH.GP:A"@5@P.>YY*2DG3\8"RI
MC=9][S\Y6C92T%VUH;))@>:I=)L#NI5TR`W:\O),20TAC-?Y2V+Z7-Y$3PDI
MQ[JU2M:M:^M4+V)*:.W\J2)M_*DDI__4C0.%HT-F%1QFDQ`*T*[*JP7.<(;S
M&I24WZ*^$;(R:<*D66ZN/\W6.7'_`,A_*6%=]87"YF+AAHL<?=8X;MH_.T^B
M@/R79-YL?N>`>23K"2G:<1D8U=E@$W,W.V]C)^C_`%51_:+\8^E>-T:->!R$
M7IU[;^G@@R:K;*W#N(,Q_P!)1M:RP.8X`F-"?%)31NZD][H#0UOP6=DY#G3M
M^9[JS>"V21QV6>^4E.=U>BZ_I]M=+"]\M=L;J2&F7*K]4^MV=+R_3R+'?8+7
M"JVMQ)%9/%[6GZ'IN_G/^#6P[<-1H1X+G>K7-R,RQP:T<-,"-Q`]SG?O)*?2
M,BN)[^86;D,Y5/ZI]8^TX@Z7E._6,=OZLX_X2H?X.?\`2T_^>UIY+8E)3F;#
M^*2-'Y9224__U:UV4!HV?!"R,ES:H9J>P\R@>X.WDR>=4*]\%@'TB9)24V,1
MK:B;'$A^WD^+M%?:]U=&C@1$GNJ(,UL<XR'.(,:Z-_>_SE;MNK;3),SX#L$E
M-+H&?:SK&7C%Q].]@M`[;VG9N_M,71=]ZY7IH-GUB!$B:B1/<2NM-+_0(`,E
M)3DY#76./@%3=48UY*W:<)SR"X>TC4JK=C[[WAGT1H/DDIPLEYJKML[,$CX]
MER[HT#IW'4SKJ5U?7JC5CBK\Z]W_`$6^YW_?6KEWM/JF0DIM8S&A["V=P(+=
M>X738W4;'UAMWN@#7N%SN-L+JQWGE:$EM+X=!!A)3J>O7^]WE)9>[S[?BDDI
M_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`
M;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@
M`#8`+@`P`````0`X0DE-!`8```````<`"``!``$!`/_N``Y!9&]B90!D0```
M``'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`__``!$(`'L`;`,!$0`"$0$#$0'_W0`$``[_Q`!_```"`P$!`0``````````
M```'"`4&"0H$`P$!`````````````````````!```0,"!`0$`P4&!0$)````
M`0(#!!$%`"$2!C$3%`=!42((83(5<8$C%@F1H5(S)#2Q0F(E%S7P\:)#8W.3
M13<1`0````````````````````#_V@`,`P$``A$#$0`_`.<YB,3IJ""*#XT`
MXU^W`2C$8DB@%#2F5.)/B<_'`2C,3(4'@*#(^.7EY8"0:A9?*,N(IGY$"F7$
M8"V[6V'N;>4Y%KVQ8[A>IA-%(@QUN):!J=;[P3RV$T2<UJ'#`'Q?ML;V_"1,
MWMO2S6J3I6I^T6M2+O.CAI*W7!)7&6XF.KELJ`*D:5.437.N`I^\.VNQ;.]:
M#M_?2KG%NS$7EO28#82F7(*&PPD,/!QU"W"5:DHHVVE170I(P`\NVR;E;HJ;
M@V8MQMKCJV69MO>0\E2N4'M*HX(D(U,^NI12E<ZI-`I[L(*&2!P.1'B*`5'P
MP$8_`X^D'CEE2GB?OP$._!-#D!EQ-/$4\>/#`5V5%TZAI-/^^F7PK@("0P/+
M[CD<Z^?$X"(Z9//KI&JG^JO&E?/C@/_0Y[H\0J\*TI6B3XG]GVX"<8A@4].8
M^`\^'E2H^&`E68@)R'$C@!Y^/'A@#3V@[0R^YM_Z)R1(M&WH"#)OM]:@.SEQ
M8Z"G\"''2MI,B>^%>E)6D)%5*R`!!L.X7=7MEV2@.]N-IR[GM2V(<=;E7>TL
M*FF6ZIA93)N\F2I:7KHHMMEQQ+H#*2*MH2G6T"#3][-3'KU?+#'>W'>9C-UB
M1KDN.HN%ZXJ;Y6MM2Y$1]QY-$NA:2'``L$?*D`=NO?O<BW(M<678)JF1*?N+
M:7(<F.LS'F8\B1+:4UH*8ZI"$<UT^G0BIJ-1(5V/[@)-C89AM6]]]^4J/-D%
MV7_2!^.J6>L;:2$)C%'.4"X@-I4S5*AI'I"T[?[_`&SMTAQB>E(FI>D4EQ$!
MN0I+\B0F%'Z*.V$O+8;+1=50JT!7`U(`GK9:>0EUA;3[*Q5I]I27&G$YUTJ2
M:$C,$>!RXX"*?B`U]/$5X#/Q)IE2IP%=FPP`K*M1PR%:@T\ZT`P%/F1@E7"F
M=?M\O/`0?)_'^/E^ZE*<,!__T<%(\:E,B:@<>'A]_P!^`G(\(JIE\?.OEQ\Z
MX"?AVXK4EM"*K6I*109E2E42!Y5)P#);EW%?MGKLG:#MI%%ZG/(@%V):XI7.
MW)>KC#C.39<A3C:Y[3+"WEI;2D!*4D)-:`8!QNQ/Z+/>;OW=H6XN[,Z_;8VS
M-2VZ[:E.O]4W#>2X7&N:'`TL-K4E(+B00#751`3@-]^U7Z4?MF[4[7CVE&VX
M,M[DP7GWY;(7(<FP.G"9*Y`="UN."/17BH+54U(.`H/<+]-_V]7!R=*C[5MC
M*7FW&W$OH1(1RE@!,=#+@#"8[1JI"-"DCRJ!0,M?<3^D#V6W3#N,G;4<6.Z!
M"R!;^5";EJ:1I;96N.TA(;JC).F@K2M.`8'>X;],_?78V%*W7M[J7XEK<YLR
M(R5O(?9H?QBLZEN%&FJJ+``)/ISP`)[!;Z5.^H[*W&TW`ND5;;ML2XEYD2`@
MJ:<CM%]:^8_J2``*:D4_@S!BI<$@DA-!3QK\/'/^+A@*S+BFA`%`10>FHKZO
MOP%/N$*@)XF@ID`:FOB!@*MT_P"/30>'&AKQKPKYX#__TL-8<36:$&F6?VY"
ME1PP%JAP"0"$@"E-(%":`>%//`6VV,LV]]%P>;;4W$/4A#JW6VU.H*1';<=9
M:?>:;5(*0I:4+4E-2`>&`W3_`$F?;+9=U;TO7?3=]LBW"=.N3BXK[^N0EM8$
MAY]B)U"%E$:.V&VS30`L42*9)#I2G;L@V:'T5N;9B-,H0V&VM*4)44@:0I(%
M2:>(P`JW%O*4IL+Z@(4NH0D$E2P1Q"0H&M,LO/XX`*WS>[[T9Q"5%Q2E',U`
M'&I5D:*`P"V[ZOY6R^Z=84234Z@D^7%60K3XX!(>Y09W%;KC;WVVI,9]IQM:
M'6@XGU!8J$N!040/#`<OGO+[2M=H^[UAW;MME<&+.N[#J3!5RW(SRW5A\(*$
M#6=))"31*Z:59$X`PPU,7FU0;G'4EQJ=$9?!;*5)*BD!U-4BGH=2I/A0C`5^
MX6_2"0FA'$$4\_MI2F`ID^,02``:?#_`#[/#`53I?ZJN@?+Q\?FX4X8#_]/&
M.##*E"@I]HRX>9P%QA0.%1_A^SS.`CM_3E;;VE.FMN2XJY#C$(RH1BH?AH>*
MG''>;,28[2"VR4*4K,!7I]5,!U0?I97.+)]K6V;[%&GF1DLQ45=YSB(Q>2VH
MET<VKZDJ5S%T4X1K-2HDAH4IB^W]Q2P5(2"5:0FJ&FS0YK44ME80*>)J?+`5
M'<D)Z.0VET!8J@KU*-5*H"*T!7GX"B<`-IS>AB277`#S$I22B@4JB:T.K("O
M#@3]V`!6]A$++K"'U+=*3J%4)H":DT4%\.)S^_`*9NFU/)2^II2](K7)2DDC
M+4I25"ITGC\,!BS^I!VUN=R[<JW?`BNOO;8N#4N>A("C]/>>;2J2M))2M#"R
M*D@E(54C+,$C]K.YD[R[:2FEO)<D;?W!<+8ID@I>CPWVV)T7F@$CUO2'M)X$
M)^&`-MQMX.KT>`KD,QX9_#]^`'ERA!"E'3Z2FE*`"O#+/RP%1Z;^IK0?L^-.
M->/QP'__U,D8$+Y13(>2>.0)KEF3@+];[<*I)33*H\36G#`#OW"6Y;7:B\S&
MA+U09EIDJ3#>=CJ=;5-1%4AY3"VWEQCU-7$!:2L"E<!TN?I(SXFU/8U:>XV_
M[@]!L3UPO:DNR@[)D)MMIE2H,1IB.AD/R9DUQ%4,H3J47`D4P%,]PGZQ4#85
MTD;0[8[(ML20$.EE>XU7N^;JF(:/ID.;3V;:;Q)M;)HH*6\XI#9RK6HP"X]F
M_P!7"=W/W<[8-Y;0=984^&57.RR)$1QIYQTH+[UCW'"LMQ1#:)&M:"YHX$`D
M5#2&3NJ;>=NKNK9<3!<C(F19#:E*YB?2H**TT*N'V'QP&`?O=]^O=/9>[;CL
M?MD_%CHAJ,2[W=OII%U,U>M3D:+U7,C6UIEL@+>6VXI)54`::X!+>WGN@WK=
MKBS&W!O^V[KN,QS6BSL]T]V1]RM/.%"A%MLF1;[1M6YW"I`:8:=;U%5`H@$8
M#1S;\*Z=V-@;MV?>[DY>&+[MNZM6F3?(NJ[-HF6YU"&9[@"$RC$?4VH%2$/#
M-*M1&K`9*^QCMW;MEQN^#/<"V;@8N5\FQ[5LUEI3,2%#N.WV[I*>NCC2R>J"
MW7!$>:IDVLJ3Z@E0!B+G;=&KTFE?#S^)I7`#2[P!1>513AD:4/$9&E<!0.D5
MU.G3GJ\C_%3C7[\!_]7+ZV6]1()3EE0>.?CQH,`2;;;RK0*5^4&E3X>5>.`;
MSM-:(N_.VG<WL=)V=M&]'?,!NY)O-WL,6X[BMDBSO0I%OD6.X.:9L;HIT=(<
M8;4&WF9+BG!1NH#<'LMVNC[+]C>P^V=I8*I\/;5T:>CM,!H*NLV5+DN)`6%J
M:3S9"4H"DK(`]94:Z@YS?=A[=_=S8(%UL7:N);^W%KN#C]TW+O2`T)&]]^7V
MY/R$W)G=-SZ!-YVM8[.P^RQ:H$**_&D-(6X^MNJ$M@IW:;V:=Z)KUFD+W:_^
M85/S?KUZ=F7J3)MP,Y2K9*M4--B;=FKCQ7:2FI7)2^L!+;J"HJ4'4]VB[?[@
MV][9HMJW?*D7*_6"U3XIEN1BQ(DQV8*7XSS[!]++H!(TU40:"I(P'/0Y[-H]
M]W=-WS?7]PW:YS=T3=SW6&@VR3!N4M^0E^)$EL71A]IRU0WZ$LIT!U=-94D)
M2D("P_IQ;1=G.F)M;<TF;)D+4VAIJ=!98B.2XDGEJF*N5P83%:<@L*H@(60R
M`%)3J.`T%VMVWA]NKG96W')#LU+K,:5SBG6YS4J;*"I24)TDFA.I1)-5%1P"
MB;]V/`L'<SN!;6+<4-V^2Y?8"VUJ2TRS>T);]3).A!5)GO$@`5(3Y8`/7:VT
MU#22:4.5:C[:^8P`IO%O(UU30T-<OV4/#`#KH5==\A_A_P#%JKY\/^U<!__6
MSUM,`515/E^\4X9X`JV6U<PM@)R(&8H*94!).`;GV\KD;<[A6:3$?C0)UQA7
M[;]NG3$_TT&Z[DL%RL=IF25%:$-1V+I.:4XM1"6T56<DX#>3L3&W'8^SVS-N
M[[8<8WE"9E+NZ))25AR9-??CJ26G72MAQAQ*FJJJI!!50U`"4[G]L-D[RMR6
M-TPC(4I(TN-ON1'P0-(`6TI!Y?J]0X9X`%67:?:;M@TZ]'CVJS1DK#:I3B&R
M_(6I7+2DK4E4J2ZXM0"022HG(9C`-G^48&XNV4N5#6(,:;#EMAJXI<A2^:XV
M6@I<9Y#;@"P,B1P/B,!C#)D6[8F^[W9[A"7<MNVAUIZ[W6)%=DM6A;[[[7,>
M<8*C'9JV:J*2*9G+/`,C!WAVR^D+?LUQ@.N.,*Y:V5-*%4MFIJD`US%:II^_
M`(CW`O,:[[D$*WOI5*$@K;4*T4L.!5*ZB`D\!3Q^&`!_<5";M.W3-$1IJ;+O
MHMDB04H+[\6RMEEMH.)1S"SU2-9"B:FF`66^6HIU@HI3+(95R\`<`'[];OGR
MH17++/\`:/#`#3HCU^FF=*?&FJM?LP'_UTJLEN*U-@CCIIQ)RX"E,\`<=M66
MO*JDU(37+*E?O!IE@#WM^Q$ENJ"`D)TT&=17SS!K@-S.T&[K9N?MY8=WWR8J
M+O)=H9AW.T2GDARY#;CBF!?K=$4JJ6)\9"WG*!(YBE``H"5$%B[^>X$P')K-
MN><U,AYK0V.`2"-*234*2$YD`@'C@$S[27;=?=ON1'W#=)^JW;.N42]6>U3-
M3T.3=+1+;G0!<(P6.;&<D1T!3>14BHRP!2]P7NZ[_6J/=V]Y;;VU88Y;285P
MV?.O$]$DM)+:U+LS]OZN`ZZ--`TJ2DGBI`&`QKE=SN_&_=[[E6W<(VW=G7F4
MPBX<E,QR[WZ)%?<4GKR]H1&8<2\2&4BJ":J*S1*0N]Z[@R]FRA,MR9G3.*;:
MEL,A2VEKT^N0RTVH$+2K)82*D4J,!?>WNYT[RW!9[M$><?$CEO1PFOXKL@A#
M1*#0H*5&A!%?OP!<DVJQO[<NKT6<J[7*X[NN5Z;EJCO0W(\*Y-JZRU2H[S+2
MVG;?,C-`)6-:%+<!RI0%_P!SV8)YI",Q6M`<QE3P'#``6_V]0UC32@/'RSK@
M!/T/^XTH:UI72>-?LTT\,!__T%HVS;25M'3XISI7/+CPS`P#'[4LQ4&CHJFJ
M:42/VFN7`X!AMMV34$`-T.0X>K[Z#.F`:O:MUGM.V"2B(RF798;%I,JKY4[8
MTLRH[T1+1>3%;DO,/A(=4AR@"J)U*"T``^^FR[A,BWI_;[@%Q7&F&*74G2MY
MQ"@T=*C0553(TI3]@(1#[O\`N]]O3%HN&QO;3`[L[6N3L5-WN5IW_%L]\L[J
MEZYY?LL[;\EV8B.4+*2U(.LIH2BH)`^W'N1WM[ZV5VZ2]I]H-MM6VWB4_`WQ
M/O\`8[NVE$>VN+1)3?[59I,=@.W!;>L-Z"J*L@TH,!GSWTW/W(VG9;5<K3?=
MCW"1?8$:?#M/;BRJW`['9?B2)!ZJ_N2GK-#0E2F-+SZD-N!2J9C`)_VC[>=Z
M=[[@O&]^\N_KO=+6V)+5AVC!<9A6.*J;Z8QDHMS45JY2H[694K4E+@"DU)!`
M;`]@-GPW=YL+MK#2+5M:WQUL-MI2$\^''2F*T22>:HR`"K(Y!1.`8'<EA-'*
MIS%:Y5\:YG/SP"Y;ML8',*4'/544-/O!\#3`+3N>V:"[5-"=?#+(DD"GW^6`
M$'0_[EP\.-!_%QX4^&`__]$3[2MP46LB0=-2:BARJ*4XU'C@&FVG:4E#7H--
M(IY_:>&7E@&5VK80M3(*.-/`@\,SE6F8P#(;;V\D(;')\@``,N/Q\L!"]W.W
M\CZ";Y:F5*N+2FDNQ"!RYC):<2HMI4"D/I*$C_54`YTP`F[;L,2(DB.B.@@!
MQ,N$\=+C;JUKYS800E2'FG!D3ZJX!>.]MG[A6E4MC:VZ=SVB-+6ZL16'GD,@
M+!KRU)"76ET2*JH21Q.`0.[]O=SW1QW\W3;S>M2SH:EOR'&E$E2_Q)#Y4XX@
M4X`C(>&`B9UH39X26Z--)0\"EM*2EIMII)*S0@)`"4TS.`.OLQW;9[IW4W/%
MNU[M=GM-OV3-B69%VN$2V_5KU/O-EDS7H_5/,F9*$.$O0@:E-L(4H`!2\!H!
MN:PH<07&M#C+R0IMUI06VXA0!2MM:3I4E0-014'`+1N^Q`!T%NOS`D`Y9@Y9
M5P"I;RL^GFD)-:JSH1E3,'B.`P`%Z'_=-.CQ\L^-?VX#_]*L;+CI46$Z#X</
M'P)K0TI@&]V9;PL,C1GI3X?'R/G@&UV98P>6>6%$Z<M(KPX`C,4P#.[=LT:+
M&<F3G&(D2*RN3*E27&V(S$9EM3CSS[[A2TRTTV@J4I1"4I%3E@`;'[U;?[I[
MRW/M':\9+VVMJ[4F3XUZ="$NWJZHN]F9??CQE'FLV]B,HI:UA"W-:E*`](`+
MYW(>N&R)S&]-K(YB]"FMPVQ1/*GLI%4RV@%!*):4BBC4!8R5XU`2[B]UEGE6
M@MQ[6AVXMITF,]$=4ZTMM&E:%(TJ(5JJ,_`FA/'`*QN3O;-OS4SZ@PW$02OD
M-M,M!U%?FJ,@DDJ'$C`)MW`W7+NO,:05-1:*;"&B0'#KU%*^!4DJ`U99D#RP
M&8/OSVWN*]=H[._8K9<+C'LF\H]VO*;>P_*,&!]'O$4W&6&@I:([3TA*%+(T
MHY@J0,!\?THO>ON3V^=R(FT^XV[KG+[%;\N]MV=<[;=I\R9;-DW2:W(-KW=:
M6'WG&;6S%N*VF9_*2E"X3SCBPI;39`=86\+,VXRIYG0ZR\CFM/-%+C;K;B0I
M#C:TDH6A:"""*@C`*1OBST#OI-0%9Z0:UI0\!E3`+7]+/UG3I_S\:>%>.`__
MT_%L-%3'K0UT5KY95%/C@'.V6PVRVT^^I#3"=)4^ZH-M@#(U<60DD^&`F]\>
M[CM=V9LC\]YU-_N#!6TQ!9E)@M29B4$MLHD+:>=<`6`%%+>G_5@`/O[W:[U[
MC[0LMLN[C%A3N=OKQMNP.H:@-6]3B78*+@X^IZ3/E=.@/J#KA0AT`H0DC`>[
MVZ;KM=B[M;*VZ)JP_O"T[QM;YEJ1S)CC5@?O:`VI6@%M*[4*!(S`KX8!J-X$
M-J=1(<2I@N/@H<0"DM)"J"A*DT77,X!..Z^S;3";C7RTVY3*94=:'TM^M`=H
MYZD$&B2H#AEEQP"3;X4N'#+;B7$2)"DZ""`I`"=1(2FHH"KRRP"^SE..*HZI
M2D)44I!30*6=69(`''CGX8"M29TFTN&2E*>2".:A2=:7D*2L.MN)4"A32T',
M$&M<!B[[BG-J3^Y.Z'MC;=MVWK*J\#FQ+,@L1';FQ%8;N,Q##2^7&+\UM9*6
MTI0#F!F<!T5_I8>[YOO%VHC=@^X=T3_R;VUM"6MJ3I\G7*WKL..%)CI0XZHF
M3>-H-E,=Y(45K@\EP));?4`>+?EO2D/D)H-*\_++Q^&=#@%?Z+_?_E/#3PRK
M6M?*E,!__]2DS]_Q=I-QQ;IL2.$-+`<82PA]#Z0:A3R$)?4E.C@5*"B?C@(B
M[=V[W;K)-NSEWD&7,;0M^0^ZIYU#+<=+KBM2FUEH<LT0@9)%1QP"=,"Y]VMT
MMW*Y20;:J[,PX4=U8;;:2J6`'E:`$K)4JI)H"!QP#P;<>7,OTRYN6=B7"A-M
M,PPVRT$)2R@-!L.(*&SD@Y)X@8!2_=WWZO'9Z[[$[A;3:5;;[L#=EMW/&4E]
M@)7TDIM-PMTF.VSJ$&YVF0[%7I5KY;IH13,-E+-W(1W+VG8=QPWF76+]:;==
M(RXR^8VZB?%:D)*:@FB2[G7P&>`IV^I:X>U5HD*#J@XXWXJ*$U4`HIH1E49Y
M#+`9\;V9NLQU^4ZRI3?R,:02`%$A/`?,H'+`":XVE]E331"@L`J<(H14)S0/
M(@T^_``+NEN5&V]E;MOCM!])A2UM)54)>D<K1%:0*`JYDA:4Y>>`Q*ND<37&
M7%367ICCJGWW$!4>0IYY:UN*.7+>U+4?FJ:_;@&,[4)W#M&_V'=>VMQR;'?;
M+-C3K7=(#CUON4.2C6D*9E1G$J`>0%-J%0E:%*2H%)(P'0!VR]S\K>EC@6[?
M`#MT6RZRN](0AKF/QR6UB9'9`:(4*4<2$GC4'C@+-];MOU?K>KC=%HYG4\Y&
MBE=7SUKJT9TXTP'_U4+N5S?N=P9=E-R.B<=<2I2P5MM1F`%E(?"UZ2%T0D<<
ML!%;LO838[H\RLB$`F.TTM:2'4I4AP:])2XA;S2B%%/BJG#`6+94F%(LS\AB
M`VV[;;>]>7W`E3+906A#:2HI2M16N5,"Z'YM-#@&9[6PUM6)*$KEQS+(EO$2
M5E@$N$ML!H-J3RPE'JJ//PK@$$]]D"V7#9-_F.I95)>BS`PEZ:ZVI!::.DJ0
MEIM*R5-`4T@`Z:D5&`U(]EANT_L?VN3*:)IMJSENJB`&40F]*FZD9`',&HP#
M!]S(3TB4S;6V'%1G6T5HE0U.N4-4BJJ)KXUH,!0(W:==ZMDF9(C%,*`VN2__
M`)5_TJ2LU"P!3A2E<`L-QV898N#C$-84'GDH7Z@$-@D@)*:5.GC3+]V`S=]Y
MEO7MS8UEVVI#3<W<NX7GBAQ)4!:[4TF3.>>"$ZBVF6Y&2*U!U_#`8W3XB)-[
M+"=`#2U*;.FB5:',@**0$\/&ARP#1[,LKBV+.ZC6%B7;]6I.KF*7/99#0U*4
M%**'SF*8!\]G/S+>]/6&'=<=@R2D%*6PG0X5J4G@`I9'"F`]/_(EZ^E]=KD<
MOG<OD\QK1KKHIQ_E<GTZJ5^&`__60\_R6:<S^Q5IT4U_SW*Z->6FO'5_YG#+
M`"+N'J^B1/YG+J_IU\K370[QI_5<ZORZLM5/"F`+FP^9^1][<>E_+.V^;UO2
M]%I^K6S3KI_O'3<RFOD>K735^'7`,#VZU?0YE?S)3HKARNAY-*\I7]OI]=?_
M`'O3\WPP&=_NCY?Y9W/JYE>F.GZ]U/-U<M-.EY?HUZ:4U>C5Q]6K`;B^P_E_
M\!=IN9T&K\F;?KU_5<^OTJ)\_2_A<VOST]-<`TN[^F_,%MU?E^OXG\SZKSOY
M8X\OT<FO"G^&`L]\Y?\`QW?N5],IT#^O\O=5S='IKU76^O1YZ/7IX8!0+1R_
MI<NGTJG.<_G=52E13CZJ>?CYX#&/]0;_`/3-K_VO*_)TWDZJ?1>9]5D<WZ97
M^LZ_Y>NY_P"'IZ;E_P"?`8K3-/UYS^SKS7J?S=-.:KY*^GE_;G3`,#L6G5[=
MU=5_U*WTZ:NK^X_R<O+[*^.GXX!^K5JYEWIUW_27*\OE<RG,:_G:L_MIG2N`
7I'J^B_\`V>K5_P"G3C_\>FG[OC@/_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>74
<FILENAME>g655868webster_new.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655868webster_new.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0H<4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!W````!@``````````````:@```%`````+`'<`90!B
M`',`=`!E`'(`7P!N`&4`=P````$``````````````````````````0``````
M````````4````&H`````````````````````````````````````````````
M.$))3001```````!`0`X0DE-!!0```````0````".$))300,``````=U````
M`0```%````!J````\```8V````=9`!@``?_8_^``$$I&248``0(!`$@`2```
M_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3
M%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-
M#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,_\``$0@`:@!0`P$B``(1`0,1`?_=``0`!?_$`3\`
M``$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$`````````
M`0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q
M@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87
MTE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=W
MAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4
MH;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B
M\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>W
MQ__:``P#`0`"$0,1`#\`Y(!2#5(!3:PD@`23P$E,&L<XAK1)/`"N#IOIC=E/
M%([`ZE6:SC]/I+GP[((YY`_D*FRS)S[HHI+G=W"2/Q24O91B-K):Y^]IUF(C
M[D$TB)8X.@P1P43(Z1U@2=A!=K&O=4+F]1QM+*RWQ<0DI.6^(42U5J>I.=[+
M&_?RK@AS0X<'A)2$M4"%8(0G-24__]#F@U6,<BMQL(G8TP/,Z!0:U&H:UV53
M4[A[M4E.YT#ZJ.Z@S[5FDBMW%?E_*77XG3.GX%>RFL`!1QBVC&96T;0`(`3.
MM<9*2F=WH/T+1'@LO-Q<2UI:^L$%67.)56^=I24\IUKZN8KZG/QQML'"Y[!>
M]CG8EOTFR6G^"[J_4&5QG66_9>I"T")$I*2.:A.:K1;(D=T)[4E/_]'%:Q"<
M[T^HXQB9(@=R95IK5IXW3L;,MP;&U;7TV1:^2=VN[Z/T6I*>MMR,;%J;9E6!
MF@TY)_JM'N67;];.E>IZ0+F^9']RC]9\6VXAU=;K0T:L:=I='T:_4_,]RX=^
M!U)^2X.I92&SL#&AO]43]/\`STE/H3<NNUN^HAS3P0L7K'U@JP3M<TO>>&CC
MYE6/JWCY;<9[,G7NT_\`?5A]1Z7;E9]EKWG8'0&1/M;\_P`Y)2]?7K+S[ZPP
M'B6NC7^6J7UDI&1TW[2&0^MPGX%3QOJ[8RX/8]\SQ!B/Y4K6=AM?CVX[_<'-
MF/,)*</'K=]BH>]P<]S!N`Y!'BHO:K8K`K$<'7^"#8U)3__2HULE;/2&VN<*
M:C!WML=YM'TPL^JM:&`'UY%;V?2![\0>0DIZ4[;)\"L^S$P66>H6B>==47(S
M:VT;J00TZ0?)8%U]N1>VHN(:=2/))3TV'Z-M1>S1G9W`,>"P\G93EO`A[![G
MQV")E'-IH#:+3Z+1`K@:?!WTESEU>9;>;+GN:SC:#S_6*2GI/M6&:SZ9$K-=
M;+WO;^:T_D65=FMKMVL<"_NP'6%>Q@ZQKY:3(AP!@P=$E(;ZP(`$``0`JEC%
MJY#=QF(T`^X0J%K$E/\`_].=-:O4UF1'*%0SA7Z*DE*-;C60=9U63D=-;D6'
M;:^DN&CZS!!"Z-E;6M+G&&@22>P6?D5>F\W,$CEP'@>Z2G(9@VXK17FYEES!
M,%SG-)\/H;F_]%9F;758S9427R?<YSGF)]OT@Q=/<W'R*IW@!9=N/BM)V/D]
MP`DIQ<'I].("X#WN,N<>?%;_`$UC74O(YW0[[MT+*R+&MT;RJ3OK7;T9PQAC
MMO99^D<XN+72?;'#OW$E/275JA?6KO3^H8_5<)N70"T.T<P\M</S2AWU\I*?
M_]31QV\*T[.Q,6!:_P!Q,!K=22L&WJ+V5&3`/R5'&=;;?]HL).T':/#P24[^
M=U%^4_T6$-I;R/'^LK@L]3'J>.',;^`A8+2QE1<0=QU4^@=4^T8MF,[5V.\M
M!_DN][?^JVI*;&5C;9>QQ`)U:LZWV@D+8>?8Z>%CY)).@T"2FF_W%4,_I^+E
ML+K266,!VV#P&L$+1<TA9O5K=N-`,%YV_P!Z2D'U;ZP>FY^RUWZI<`RP=@?S
M+?[*[B]@(D<'@KS-C"7KJ>B=6NKH&+D>^MFC'<N`_=24_P#_U<B^SVB=03PC
M,`+6P(DQ]RIW\L^7/Q5MO\S5SR[GX_FI*;M_\S#CH?%9OU?!'4LD,^B0)5C+
M_FA_KW0_JY_RID<?1;\.Z2GH;FD5#34\JN,,O:9&@U*T;OYL?13O_HSN./S4
ME//OQRX$@+G>N"+17^XV3\2NR9]`\<KD.N?TO(^(Y^#4E.1CME_Q6KB-+6D_
MREET\K4P_P";/Q24_P#_V0`X0DE-!"$``````%4````!`0````\`00!D`&\`
M8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O
M`'0`;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`
M_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!
M`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#_\``$0@`:@!0`P$1``(1`0,1`?_=``0`"O_$`'T`
M`0`#`0$!``````````````@&!PD*!00!`0`````````````````````0``("
M`0($`P4%!08$!P````$"`P0%$08`(1(',1,(05%A(A0R,S0U"7&!0F(5\)%2
M(Q8V8V07-T-35'2D=3@1`0````````````````````#_V@`,`P$``A$#$0`_
M`.>>"F2-`/8.6FG+^[7V<![$5+P&FI]OL]WARUYG@/9Q^$NY*Y5H8ZG8O7;D
MZ05*=2%[%FS8E/1'!#!"K22RR,P``!)/`(ROZ<WVW53)]W=TXCMW5EB,D&-L
M3I<S<KGRO+CDBB$E2FSB0$^9("J$,0%.I#QMP;)[2T,%?GQ^:W@^:Q5R5[D=
MN"A]+)AE9FBNPP0T!*7\J,@$2M&\ORZKRZ@K>YM"L]6:[A\M4R,<%GZ2:G(#
M5R<,_P`R_/`>J%X)'0A'$@$O(J#J.`AUC&.C%)87B==.I)49670CQ5@#KH.7
M`>+/CCKX<AIRTY_$_NX"/W,?H&/3K\/$:D`>.@Y#@(Q;J]).JD?N^)]A^'AP
M'__0P5KTP`NB_L_M^_@)#C\38N3P5JM>2Q8LR1P5X(D9Y9II75(HXT75W9W;
M0`<]3P#=P<NP?3;LV]E,O'BLGW/NTY(6OS26;="B\TI8X&M-]))CJ:"FBM8E
M'59=O,C4J-%4#3BMQ]Q/47NU:FQ.VN3S&6C>>*?)8U,M>Q<LTOU%BO-))D/-
MKP=,+%$0J0K<M1J4`?)W`](GJ\JK-;_TSE:L^9L?514TJWUE\NTT4DJR`U7B
MB@ALM,K`:EF!"@J.`(^\Z/J$[61BON#:N5PWR2FWE+F#D46DDZDZ4E8&(M*\
M/5$@Y+TCFI.O`13:'J1OWY!A]SXITCCEL2$6`%O1PS7/JIIZ;>6]N41=;)$C
M:Q]!T+#I!`)2%8LA3KWZG4]:W%YT#O&R,8R2OS*>893R/B/V\!Y-FGR(TTY>
M!'[?<=.`A^2ID:Z#V<AH/?X_W<!__]'$>ICM=/EU)]GB![/=RX"V>WDD.W;N
M2W1/4^K."P>3GHP^6TDLF2N0C&T%JQ"6!9+7FW=4!8`'YO$#@-<O0)^E+<]2
M6&_ZK]^,A=H;6S,C24=I)U@3U#Y,R6<I-)"B3V;)?J9DUU!&I.@X#HU[4>FG
MT_>G?;Z8'8VT,-5AKQD-*:T+RR.S];,\LK-(VA/+J8@:Z<ARX#ZMX_Z)S<<T
M5K%T)840],#)%Y:A5`"]/S+TZ*-1IIH.``?>?M9VHW70NT<UM/%W:L\+)J8(
MFDC#JVIBFY.A4L3IX:^/CP'/EZSOTZNV.8VQE,OVTJ1X;<E(F:H"\G5("L@:
MN3&L@^<MJA`!!Y:\]>`Q[[(9?-X3*93L_NI)!D,*]VUC+,L31N8T=1-1T=V8
M!='D!(Z=!IKR`(7U>QI&NB:^.HYCWZ:#3X\!#;]$?-\H\#S]YUU]VGL^'`?_
MTL@J.-U"?*"?#P\>?B3RU'`6!L.A0O\`<SMUM7(="P9S<%=IVEKU98ZL,1"F
MQU2DV%MS'6.'RUTT+EV5>?`=N7;JSCNWO;G;VWL97BQT,&,J+!7J@:@/!&A1
M!R<MTQD,QZF+:DDDG@/GO[FR%F.U/Y3>!Z3*=.9'(*O3U-IKS)T'+@*@RF0M
MW))55YE#QL&70>"`=6C=&@4@Z_#]W`4'OKZP4IVUD4$`+J1II_*NJ^/[^7OX
M`0[X1[%>VEN-Y?,#KU%?DT(8=/V#SU\=>7[^?`<T7K$HIVF]1M#>->H*D>1Q
ML-IV1>B&VK6$6PI0](D=DAZ2H.FJ@Z\M>`N:U12>&.Q$0T<T:21./!DD0/&P
MY'Y64Z_LX"`Y;'%0Y`Y<B?EY^//ERX#_T\Q<=BM2-0"--!R_MKP$"R=\[:]1
M78^P*L4\D^3Q@K0K):6W<N1YJ6*O47RE*&!YK*`I\PE9NEQT@'@.W?=&_NVW
M:;:F&W!W>W;C]NHN)IHE23S[>6R$T=>'SDQF(HQS9*TAE4AFCC\M#]HC7F`-
MW5^K#Z56SPVM4GSV+C\\5XK5_$64CD9P"KRTZ"7;5?0,23+&&4#5M.`N/'=V
MMO;PQD>8VID:.8Q]VM))2R-"46:KJXZF7S%`T<$=)'(@C0^'`9E^K[U_;4]/
MDD6-R>'N[ASUR,-!BZ4HKTZ\3,8DLY"\T%GR8Y)8R%5(Y)&_PZ#7@`WMWUZ;
MBW].#F-I4-N069$^G;);=W37QMI;3K%45\],*PQXL.W0KSU(U=SH`=0.`,?Z
MD.S*G<GTW)W3J;=FQ^=VEN#&06Q$\-EZ^/R-F6G-''9@`\^C-<D@DC^17'6N
MJH_4%".[`V[D&[*]IL[F,MC<CG<WM&HV;H4FF>UB+=-1!6COM)$B2S7<<(+'
M6A(ZI&7^$,P>%F<855OE!Y>&FOMY?W:<!__4!.,Q>I7Y?AKIK[!\-.?`-KMG
MZ=NW'>K<_I:W'C=AKA<[VZ[C5*^^]U',YC(IN.)LI3RT5BWB;4C8W&VL>L01
M17\J-H)HM0TB2LP:)?J;=LMR;QFK9;;FSLWORKCJK'(;9VYFH]L9+<\5."T,
M;M-=UV;=--O8Z]E)8FMRJ?--194A5YWC1PY9<QV*]2.?[BY6+*]NMF]N*>'-
MZ?:]#:>TL%MV&:2.W`^,I+D)R,_7EGJRN&MY&6:9'7_,ZF^T'2)^G#V\[KXS
MMIN'"]U&KV55&R.&M)`18J@/7CGQLS)U59IX_.U+P%T(YZZD@!E1ZB?2_N;N
M[WXWKNS/;@R!P-;=,%2EM^+%3W(!@<"6J_3UIZV1HV:EG*V4ZGF75XD=ND=9
M5XPI#MU^GAG\'O"IG,)N?>[W4NQM+16G?>C/B8Y7,M;+&_5@K/4M5V"3!DD$
MH`!YZ,`T0RG:*AF.W^_.VV;*96'*;>LW5JS0JT8R.+>.W4\N*2258_*G@14+
MEB&`+$\`&*^`K5<%1:HLJPVEEL"-XHXHXO*(HF.O'$D<:PJ]1@`J@#PX"N\[
MBR.KY.1_9[/W^W@/_]4LX#"F4H`GCIX``?P\O#VC@-)O2+3W7?NUMD[1L04K
M\6]]I;XR<3M%7GR^V<):%7<..KS69H8A+7AL16/+U+RHC:*2H'`;ASIC-Q+=
M>2.-J$T1,JD`QO'(O4H);D%*D$:#P.OCP`^W#VF['X/<$NXIL1B?JTD:R\^2
ML&U#6_B,L$5QIHJW+4#H0'D1K[.`2'9[_1V[MK7LYAI8J&`>*S%0S<\(IXS*
M1U;$M:V,<[^7YT<%JNR,PY,P.FOCP&57<G^C;%[N;BK01UMPX2""UN+<,E4U
MWDQU-[<:FY&OG+)*H-A0W0&)]W`6`G='M';VY9.V<A0,TE>1-8E175DZ8W1E
M,:%65@?$`C]W,!/<W)'/E]Q9C'R!QB]OYZ:2)VZ1*@Q=M8B2Q;E]05U.A'`&
M'>F`@A>&*G5@KU*N.HPP05XT2*,/72Q(0(U5?,DL3NSD`:L3X>'`'S/XL@2#
M0CWZ#X>_4\N7`?_6K[:FW]?*_P`L'D.9'CH`.?NX!D]B8<UMON!L_+X!8?ZC
M#F*T`CM%EJ6J=UC3R-&YH2QIV\?8ECET^8(Q*_,!P&F'</O/MW'[).2V/!9A
MP\[O0A@L(U::O/49T>#I17"0HKH5T_AT'PX#)+>.]=S]S-]8W:DN2N0T+T\=
MFY#!9D$LU*)]&64F3ICC9M0?$Z:@#V\`I>Z=KO1LO8V/H[!WS=.Q</06EC]D
MC%8V>.@DD+M8^@RM2&'*T_J+!:1O.:PBNQT`/,!BYNW`=X]W[VL;CWKNG/83
M`^1#6DP=*VD-:X(9%D8Y*_T0WK<;3#41GH2/I71>I2[!&=W=ZL?MK<J8S#9W
M#V,\\!FL;<IY(-E;-6'RXOJ6IP"9U?S75%D=0#U!21RX!4=NJES<&.W0D^(M
MWC/12MEJ-6[%3MFA;N4L?=\FQ+/5A62&.VTI3S4,GEE0P+:\!+^X&/CR-CZM
M**4NFAC*KPQJFCR4<?7I2V)#&JH9[;P&20Z?,[$G77F!2W5A_+,G2F@TTUTU
M]A\/9IKP'__7E.S\#\L1Z--=/9KH#IH!^_@%!L_;]A9*\D/6DT3I)%(AZ'C=
M7#)(CJ0R,K#D1S!'`7[)@<A:P61BG$^0:PD=F42%K$I:O`M?_*#$L0*R])4<
MR%&G,`<!GCW!]-=/N3N3(C$[^WUV[NY*E%%!G]CY6#&93%7Z$S&&6![-2]`%
MD60B5'B8.J@<N`BF&[&[E[44:FW.^_J-[E]Q\+26[+!D,ONS>.`R=R*>:";'
M_6/MY,E@;LE(1-$I2E7/E2?,S.@+`'^]>`VMN?%28?:-K(7,XN1R!DRV7W#N
MK?-R?&?U:2QBXJ\.=Q6UZD-@8X1(\DD,JQ]3KTR<GX"J^QOI_P!G=FX[.4J8
MZ*7<&8RT=_,9.PL%F].(IX[LL<EQ88B_58BUZ5TC73Y1P&N/IRQ-#*[/W3=J
MJ9;ZYR&IE'7I9()I*4.36@).9=XXKD4DG/0,ZJ=&4@!Z^[MO=(D_RQJ?'E[!
MU`CPU)TX`F;VP)C\T^7SYZ>'(:$^X^P\!__01>R<-UB$#VZ#EH-?`^S7V#@%
MYLK;?4L;%!J=/9X<]>?R_$\`E<5@:6/QMG)Y2Q#0QU&K-:NWK,D<->G5AB,D
MMB663Y4CB0$D^S3@"%W#VVFWLU;WMB*[STY/I\KE*-=24DQEORK2WJD1"$S1
M12J\B#0LI)^T#U!X&[L?L+N+MHV!N*O7K/&KJS&)X_)1%8HR.4(Z2Q/23X@\
M`"=U]O\`MGBIK@PV?%RRGS3PU:D<,<B^+?9/4VK?`C@"-W!W!0Q2FIC/+>PA
M)4JJ^5"\C-&9"Q`#E%Y`>!)]P/`%R]^JSN?T-Y"EVK@[0;>[EX#=1;N%F,K?
MW+E,!N"*WD[EC"6J52U%C\M1EB2O@(Y$:2N6$DCZDC30-G^P??SM_P"KOLKA
M.\_;RO=QU#*RSX_,;>RK0/F-K9^DD4EW#Y`P:PS'Z>U%8@F4`3UIXY.E2Q10
MAN^\!IYP"G4:^P>YO:0#SX#_T6?V]HJS5_E',@^`^&G[=>`OK)=[NU':=<;%
MNO<"RY/(68*6/P6%A.5R]VW8D\N.&.&)EK0/UCYO.ECZ1S\.`,??/U%YCNSE
M$V7@IZF)V-C9TFMT$LQ2O?GKL2LV3EZ#]7,DB_Y<(Z84.C<V'7P"+@W&FYNW
MNQL_`!)!EMC;<23R^C3S*&'JT+8(5W!/G5WY<]3P`;[F]MGQZW<]A,O;IT9[
M,:Y#%Q69$5/.74RK&@5/F(`)!YCQUTX`8[HZ<76N35I63GT`-*6\YNLJ07))
M8,`?%O;X<`<,RPO2:NK*RL7=F;J+OJ?EU]N@;0>[@"EW[[!=K^\>(LWMVV[F
MV=RX'$6_Z/O*G(7%:K3^IN#'Y''S-]/=Q;2N['IZ)D9CTN-2I"G/TX?5_)Z6
M^_4.#W5E9QV5[@T\;M7>M<"62KAKM>O%5V]O>&IYR1QSXBSTI<8=4AQ\TWR.
MZ1`!U,;[Q5>:%K%=HI89XDFAFA=989HI5ZXY8I$+)+'(C`@@D$'4<!__THYN
MKU%YK`[7LO+;A@BL"8]$,<=0PU^DQK&B1RH\KM-HJ]9=_CSY`6.W&4W+NG?4
MO<;<DUJP,=AK\^)I+-((ZJSI])1,2_;61!9+!BNA8^T\`FJ-C#X7:EO)6J^3
M3(31379)"KNADD1E(1I?)B5Y&"Z'J70`D>T\!*?0+ZG_`/J)VSW?VLRFLV3[
M3;QS.'HVIG"V+.W-PVIMT8AIH7GEG04)LK/2!'R^773]G`*O,VG.)S:7$62H
MT/G:'0]1&J@A7+'74<B#RX#.3N3--;EE2*JWT=<DJZJ>F1^IBIYDGD6]OM/`
M4-D,9+`R^9%I(J&5P5(*ZZ<CJ!JW/G[N`%/JMW(<;VV:K5FC@M[DR%;#QL9%
MA/TQ>:UD#U#Y@K5*[QZ@?:<<!E_AL5;NYN18V@D4+JC-(K@]/0"HLP*P8=/+
M1AK[^`WK]%7JSWAMG8^/[4=R&_KVV-NPST]KY/KDM9[%8U3YT>'>W)/Y5W'8
M[S'%:.11)#`5C5Q&B(`__]/.C>FX$:C3CE(FKSY2!(:<DGF%H8_,0OT*X=R2
M%8\B"R\_=P%G8B*M+CL-])`U%<AD8\8O3.8G'],1;-J:NJJWRDWUC'/DR>'/
M@$3ODQR;,>&_8G2*U76!!9G^6*&!2^IE:H"S$(!XCYB.`%/Z?L4U/U(=[ZN%
M56QT^,P\MGHFEG#2H\D:=3-'&Q!$?N\-"">`VYWC2MU]L5`D#M-8*Q3%>HCR
M@I/0K$LS.1X<@>`I^GV>FS=*X]BJ\5.C&]FRSJ58QP*)B$9P8SU:>P^/`%S-
M=OK%ZMD):V/F4M-8B1]'T\KK(55T7F#J-3X<!C-ZX*II;JQNVNF/HVYMVO;N
M(%9E7)Y.Q*T$7)0%G2@B.>H<UE!^/``_MYCEGS)D,JHLQFC=.KI(Z2=`.N5=
M03[?9[>`T![4T;-&C-.@\Q%S49,L?1JHEK4G>)9.?5H'8'V>_P`.`__4RGWS
M^)V[][]NA^(^Y_'5_P`+_P`/_%_+KP"#I_[0V3^8?F&Y_P`9]]^/H_DW\_\`
MYGPZ.`][NO\`[8H???=M][_[^#[S_F_=\>C@(?\`IR?_`*<[P_@/]L[<^S^`
M_%9/_P"3_CX#?7>'Y'4_)?MUOO/NOQ"_8_MX<!]V;_[:Y[\N_`S?E'WGV8?Q
M/_#_`,?PUX`B8G\CG_+_`,3)]K[O^/\`L/AP'./ZWO\`NSWC_P#ML=^)^U^1
M87\)_P`A_P"F_DZ>``&SOQ:?8^_?[KP^TWVOYO?_`#:<`Y>T7^WLE]G\V_\`
,"^[_``\7V/CP'__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>75
<FILENAME>g655874g42t53.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655874g42t53.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0DX4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````-P```.P````&`&<`-``R
M`'0`-0`S`````0`````````````````````````!``````````````#L````
M-P`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!IL````!````<````!H`
M``%0```B(```!G\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``:`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#)Z7T/$R^DC/M=9ZF[-<6-,-+<3']>JK][]+D/WVV?Z-GHL_TB[KZO
M8[^A=`Z[1@VC?T[(>^NV]NX.<W%Q,FQUM=;J_;8]S_H/_1H]7^+OIE.-]EIS
M\YE&VUNP/JXR-K<GW?9MV^UC/3W_`$V5_P`UL6G5]6Z*^F]0Z?\`:LE_[4?9
M9DY+W,-LVL918*SZ/HUL]&MM=?Z']'^8DIPLKZ[=3I^J]^6**!U[#??5EX[M
MQI8<5S?M=VCVVNI=7;C^C^E_G<S'6\WKM%&7C]-R_4?E716+Q5Z=3[C6[*]&
MGU'[G_H6?3K]:BO^8MR/M'Z-"S_JETW/JS6VOM9;U.NJK-R&%@LL;2-C>:G5
M5^I[?5]&JO\`FZ_]&HV?5.BWJ%747Y^6Z^FVN]DFG:'5U.Q/H_9O;7=4]WJU
M,_1^I^DJ]+?8DI!7]?.C/Q'9IJRJ\=M#\D6/I(#JZ;68F3Z8G<YV/;=5ZO\`
M(4NI_6AU6?5@X0BZGJ&-AYS+F'^;R6OM8['L:]K-SF,W?]6Q,/J-TS[`SISL
MC)?C,Q\G%#7.KG9EV,R;W[FT-=ZC+Z:GT_U%+_F9BNS'9MV?EW9%E]&4][C0
M`;<5IIQW;*L6MC?8[WL8DIS6_6_/MQ>GFNVJL9.+E9U_478MGV<5XKX]/[-]
MI&15^C]E[_4NV6>AZ5?Z?]%T/3>LXW6L7(=T^ST[J'NHM#PUYKL`#_=Z5CZ;
MF;'L?OIO]/\`X19]'U(Z93C4XCK\F[&HQLC#%-CJX=5E$69`>YE++=^]E;JW
MLL_1^FM3"Z8_#Q'T?;<G(MLYRKW,?:(`8W8WTFXS-K6_]Q_I_I;?4MWI*><Z
M;]:NH973J,VW*H%S\2W-R,5N+=[:ZF[;3CV>O^G=3=93^A_[45^I_-_SBO4?
M7/!;3CMRFW/>ZK#?D9-=+FT-^V@#'N][G/KILN_1?X2RM7L7ZO8V-T,]#;?<
M_&])V.RU_IFUM;QL<QCVU-9]']^M4Q]2\$8[L<9>5L=7AT\U$[<!WJX7./\`
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M224I))))2DDDDE/_V0`X0DE-!"$``````%4````!`0````\`00!D`&\`8@!E
M`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`
M;P!S`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`_^X`
M#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!
M`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#_\``$0@`-P#L`P$1``(1`0,1`?_=``0`'O_$`(8``0`"
M`P`#`0`````````````'"`8)"@$$!0L!`0$!`0$````````````````!`@,$
M$```!@,!``$#`04%"0`````"`P0%!@<``0@)$A$3%!4AM187"B(C)'<Y,36V
M-QAX&7DZ$0$!`0`"`P`"`@,``````````1$A`C%!$E$B,D)A<8'_V@`,`P$`
M`A$#$0`_`-`5(4A:?1UIPZEZ7ASI.K'G3H6U1Z/-18=C,'L(C5;@X*S1%HVE
MD:499BE<N4F%)4:4H9QPP%@$+6'H6>_\<_10W#M@Y,U-RJ!\&/=DQBZ+1`)P
M)A2R4UW*UD.W&(8K5H$ZM]?I"Y)/R2$^RBAI6X6E"K[/R)`;4V<?Y7#X.XEO
M*@^E_*?I*V&(,-C'2'5T53U?&78"E-+W&,1-XA;B&<N+8:2#35'I+J2@_2M&
MBTI5D$[4Z+"F-3&GHG:S+'Z#G1/14!Y?KMPM2S6RQ5D)90+%4B=*[K*<6>;%
MV=N;U3HYR23H(*R/BYABS4A1F&*G)266C3`U\C3`!^N]:<I-X0OQMZ*\F=[E
MSP7,UBJ9DIK4;#J7MKM%I)#W5N(DH7/;,N);I0V-:I>WJC&=27LX@)A99A?Q
M'L.Q!T(66>4\="]!51RU3\RO>[I,"(5G`TK>ID3WM&L<CRMNSN@86M(A;&XE
M2XN;@XN[H0G)((+,-,,,UK0=X)-N17GDOT:YK[=/6"YS';4QC[<H6H%\\7TA
M:<8K=([MZ1.O5,!U@2*+MT4U(0(UA)GX.E6U6@'%[V#6C"_DTO6SRO=A#`8#
M`KMU'U+47'=3.5UW>ME3;`6IQ1-2U?$H%,I^J2*EY*L].<YI(:R/(F!GT6A,
MT8Y.6T;:4=LHD:C1YZ<HTLFW(J_)/63C:(\7P#O.0RN7-U!VC+EL%@AYD*=#
M9B_RIODLVC*QI(BY`C3DYI)U=/*K8SC2R]HD0AZ%L0@%B:?-W/:S%A==\Y51
MSRU=56':3'%J'?HM%9BP3A>G=3-2%FG#8D>(@7'X^C;U,G?7F0MRXLQ*W)$1
MR\S6]_0G^P/XC+N>T(\I>EW+O8MIV12%5N5A,ENU4TB?Y?7=I5I*ZUE2-C)=
M$+*M<PM4D0ISR@-KH[(B5!"C1"LK:TG>ROB+>PBRSGTO_A%-.K^[Z(XJ;P2"
M_4UM,4,TA:5JRPXW2MG3FN6<Q\=EK(UM;].8E&G>-,3VK<46@`2*U!1^_P`A
M/]`_X@KYEDM\*]13V)Y`G<?;9;!V/JB915Y*-/9Y-%.-^F)%'W4DA0<D..;7
MEHK-8W+BB5:<PH0BC!Z"8`0=_M#O6IJ_->P+V,X7#1%M=$[F\\(K^DYY'*QG
MZ9RJ6P6&7ML\E6]_I$;+B<A8FEU$L$668,X1@2B4^BA:,&$7T#MI\W<;"ZKL
MV%W36L"MRN'@+_`K+B+!.(>\Z3*D0G&.R5L3NS4J-0KB4ZY"H&D5!^X0>66<
M29\@#"$8=ZU6?#/<!@,!@,#X$LE+!!HM)9K+',EEBT/8'F4R5X4@.,3M+!'V
MY2[/+F>!,4>H&2@;DAAHM%@&/80;^(=[^FL"MW&_:M!]X52XW+SL_O+_``QF
MFKS7KP)_C;K%W1LE;&V,;VK;CV]T)+V<`QDDS>K+.(&:2(M4$.Q!-`:666RS
MBK8810#GGTQY5ZBZ,L+EJH7N?K[9JZ)O\QF39+:MG-<IVMLC,IC,/=TIQ$^9
MXX_$.R=XER'Z)SD)0A%&;'K?]G>L:MZV3:O_`(1__]"(_P"FL_U/HK_DU;O[
MH;\S/+MW_BW)C_TP?ZB#_P!EW>7[WIG+ZK/]NG^DR]V_\W?Z='_.6$?\,41C
M\)/[M^?21!*GG6_$RDDI0G44M:9!Y!Y8#23R38,^EFDG%&:$`PHP`MZ$'>MZ
MWK?TWE9GF.&[F!>X^._;/GQ?1JI6CY?[RY$YW=;"<5YINFEN#:%?U[_-DU6N
M4;V5M76-KFH)<9LLO8R&)Q`C+W]3AYGPZ7]I9[E;J?:I<JZN0=`T.S*E9E/\
M*<M3SJ.]ST:DPAO?;ZF]?R-KY@KM2:F^RI--BS$:ZS105\QI#M?I^C0[W\=9
M:SUXR_EC?B?9EBTOX>S2TJ@J5YO&SH;-KL>H95,<*4G/$UD`'=H2(T1"5O)4
M.C@!&$W\DY,D+,7*4Z89*8(CQ%AVG@[?R?"O/U0[MXEWQ;.>BY9S+/G+I9:P
MBO'D1GKEUK2X^=&][(8G$!#8O%<<VD!ZPA`^;(4'/S5H"9Q2_C[+%L[>T[3Y
MEW$O^C7HGZ)\R=_\V<P4S#^:Y'!>B'F-[K-(\!ER27R0U<_E1-RC5C2MQ<#F
M2*(M/8PG_D-+4<<%$;K03A'!$'0DEEM>]1_?WHK77J/#O.WM5FYC?U-Z5E(K
M&KV840T6`D88>-K@,^EK:$A5,%S4\22-B75@ZMZPA4D`NVKV`TI8`H.RMO99
M/G8SCS>]!NV.X9!Z(5!)2>6H9:W)4Z@5>5O+V.LK945Z\.SE,KDCTM=)O$E]
MXJ)([-RA)5Q>VXI`[M9J4Q2(1PE`=:+TB=I)BC2/T1OGT(\BO5A[ON,5%&GZ
MFVX5?M(:A8IDQM#@E-_!5K53B5,YS.%AZC\Q/_="+,3!T5OZ"!L7[<>JUDG;
MKBIJB];7Y^_IU^)Y9'ZNY<MVJ7^R+5ALRB_0U<NUF.*"3K^C.B7R,2:(,9KP
MVP\H;5J.F%&&KBE1VORMZ+!H/RWD]&2]ZDKWY?>D'2EO/8]2HH]JH*1O%3/U
M>16,L<P99>@M<JLFL3@.5H$SD"!%5XU)WHPAG2M20A8C(-,+V/X[UK+?1US]
MET>AO1!\YZZQAW.$RE'!O,G6THIU/)NR^YQ5!*Y)$6YO`I7CJJK*\C2^0,-B
MS9_+C/Z6MT5)I"8V)"3Q;(!OX?#1)-F\XLGY%^J\K[>LGI'G6V#:RE%A4(Z+
M72(7%2Z1Y::XNFL"90JBQ<L0QV0NCPYL2L*K:%27O\C8%*5S`$1"8U,9]]*G
M;KF5./N<02H\I.PBSR2CP!B,&/"`XL!@`G)K>KQ2F.T$>A:T:G4%!,`+_:`8
M="U]-ZUO%\'7^4:]?+COB545YC\Z1UNX$[RN4J(PF:@;IO4M85O)*YEBH<]G
M3N2:T.G\W29F6S$GF[2JE1D?^9!Q1GP)-^A>C"V<WF(Z[NNN91?RY@_H$S4+
MR%-9-VE$^<7CKYDN&`3:=-$JE*>,E(ZL?H-"5<R%"VY;"@C.(^\L+&IV1H@6
MS#3"`?1Z63]LV\,Q]`_23MSBCFSSREU#1'G!'770-1U$U')=Q%Z326/3,N`0
MQ[4QB,LJ9V;*[B,%<6UX_%;2P(5HD`$H@ZT6#1>L))+;K,IYZ)>G7)G>G'%)
M]>Q#DUUJOM2;QF",47I`4^7OM9FR.<L,'V)5,I4<T&.<DC+C-&PUP'M$K:G%
M,`T*/2<S?W`N3.MEL]+,7KT_Z`JK[ZLC[`.I.)N9>982T/$#OSHVM5LHCG2L
M\<F<M\3QUIFCM:%=0UBB:K:52E4&-8'5R:]`_P`1\5)P$R<DDR>ZK]2OK3UG
MT7Y%7#W)6M?T"T7ISO-IK';/9I<GGQM</T6@<*8)P]R"%L39(2'U%)AL\V;=
MDH5CP<C&8F4[V=K[A1(&\+\R=I/2IY?IY[**/-N*>D*)CXS*IN+N:\,M3.;5
M/7*SK,3*+U=ZD`Z$1!H.;8O$(G'7I0C:OQRG;3L>6B/<AG?;-`3IM\K\]=SG
M6R*2^J5@V05YT4?SA$(`V=6^@E3L]RJ!66)X?*WH6MB(6[2V8RIP9F1WC3[/
M'`P,4?2H^@+<$`58VDS:HTO8BRC6L_/G?$8XAOGU_A,_[/I2RZIH>SH/4E-/
MMET[U=+*IFE?4[91J%''WY=`)!#&2PW_`&\'.T:=W)!^,B<`G-:UJ'M68K(-
MT/')G7A43@GN'I=H\?9W?'+'&=7S2ZC.I9)7\1I?G>GUT:KY@2O2"%J5$\?Z
M]@2K<HE*1D$O^PJ.TN`J^R)-M0J*2)1C`]+9/K+>$_I?1WJJ@?2SFOANX[/Y
MQZ;C_0;`A.FCK6$#/K29T7/'04F1?P>>6VVQ9;6X(FA?'@'[`Y$DKU:-5K>A
M$[+T,X9++<0OQ+_],'I+_P!M"_\`>O'6/=6_PZNH_*YO_]&._,*@O0?@#I)S
MZ.=O/3J6<KV2HK'C40BB.KY.B3O$TE"%$@CQ3TY#0[$V1Y.IUL]<<4`T_2<H
M02BQF"#K,S77M99FK,ADOJ`7P/V'S@;YT=#K+I[H[`N2_;<EI=/3!#!(?#;4
M:*N7O#;"&L9RUU.?W:71A>22%6:80VMN@[V-2>:$1+D_79=\+0R]X[VZG[L\
MOFE5PST#5G,W&\_J`G<XF]7R)K='9U()@S=84]E*TPD;='8FDU%2RVY+\MF`
M3%C4J3-&'Z3)*G$EYY=)_;EB.D`YLM@N.5A:MNRZ95[/H9#H94T"D$Z>'&4O
MD,?$S*2[Z8D:HJ-L9ZX0"SG%8(M.3\M:^HA[``58GEHWZ&Y#D_=_BK4U*IJ)
MN2!]4\5T=1^XG%[1J^1P5\?IO65:-L+G\/@ZQV2%$3%LG$>8EP4A:(XP`W+3
M7M0$LW00AGIJ7.V[PR!)S?9W+'C'/:'?ZIOR\>Q>QZ<GCI8HX+7\LLY_2V-*
M8DP12-QFPY,D(6)XJAK6!&L[,`M8K^!YS4O,1`,WLP./1N]M]127G4OOJ@?%
M*ZN8*PYQZYJ+JYFG+Y*6IS15!/&Q8[5=(93$5\P65Y+V]L,`DF1,?&N3Z1!,
M(=ADE&F(=&';+UIZ6Y>V[PI=T_4]P6/QMQ&;3GE)T'5'\L)]&U%YVDJKI:]W
M+>-O?PT@!*)(IC*5F5VY(8J^.+8H5II`_"2H/S%9;<E`#18?I/\`B\;?V;1N
M[0](7UZ/>:?2;=Q-U@R0CG]9"I9;Q*>J7F9*(DVO%@H9JD;@KHB4YM,@DS1"
MA)5#RB;#EFFQS-.;?NGJDIVLON,S)U[34@=$ZNN0^\G)?7L;Y1ZE?*`H^F55
M-3&=I*/G_P",)VDS'T4VJ7QK0[8MN*]D8S[G0_>,+*%]S24[8-[#]!8]DSYL
MWE"7&+_TUYE>@WI##)-PQU/?C=U;;Q,RIJ54K`27.(O*1OL&VGV&.C_.G=U;
MH/%(L^,=K:VZK#EYYC`J2B*5%:^)FPO"W.TG*GW&U;]7Q/SI].J)?^'.N-2W
MI=[VKK=U::E7+(TK>PKRVM:P#TXJV:8+BDY@#C0NB%G5-'VDQ@35)!^R"3Y^
M2YO7EF-KTAT])_"+F/AYFY!ZP5=$5[?<GD\LBXJ%GA+6V1PVP;TF:=Y_B(YM
M`U*4JEMLAK*+`4,9XE(C@?;^)!@PWT;/NW>%A/6..WYU1SCYV5]3'('7C_)*
M551R3VBA<.?IZQBBFV"(1B,',HS7%N*1NCLI<&Y6(O2,X\C[)`3-F?`XH0E]
M)UR7MRR7N5I[%YC](:X]<.6^<;>O6JK6K%M@MJU2=7\P8;!80-#:&#.T5E\.
M*C3I.H2WNZ&.-+NU/!S8>G`XD[`<'9(B2U+WI,L^;>6Z_A+HSK_K%SE%Q71S
M<Y\A463'$#!5]3V$<I<KDGDI5+2G"063*/U%ABJZ&Q-G0I2V]G;Q(`&N6U:E
M68+99:7>ZS9)[Y0=[;/L_FO%5U<PT]0E]71:EOQF#`8=UK5,MD\*:F\FSF5T
M=SY!-V]O-8&]S0-,25#TWZ-,6B$>E$(H))^C=2KU\RVO'BE(YS!.+*(Y?MZ@
MN@Z:M:JH].TC^&R*BF,=A*U(*Q9`^M*UGGJQK*C:I0ZL\F3""B,.*6@/*4`T
M4,HD)YB';S;*B+WEJ.7SC@AEY=YGY[L6;/KE.8(Y16'4C4KJY0R(1."JSS5Q
M"TV+M9<;B28HM446B1?W9A_UW]HK8"S1`4ZWG;6M/TMAW1727(/F'5%5\<]=
MNTUY_:((Y6^V+:#G+6&)JX=`8A"UK.!8M;RD+TN6NK.L,3[2&FE;3$@,&(&C
MB];?A9DO;E8#U;;[HOGN3R^O:G.5>KIU`^9;'B-JVDJ24%8#:K;F;^:M43L3
M.D1NK2D/521,R0Y7I0ET'6TY^P%"W\]BT%?1UR2RU7^,K>KI7Z(]GN'2?G=?
MW9DLFRUX1\,.EAQ=5'J)H2O%;A+5$9<QKK*:15S7")QACHR"5.):8Z1(75M4
M)A$#<U2D.%XR9<13Y[,G3]9>17>W(K]P]UKN96E(;B+C3R&HI$G*73&R*MJF
MOXK$D$85HR98J3H`P9^<'UZ,2)V9G`0@2_D*%KF404]%SZEU8V/PSH!F_IXE
MG$/_`$F]3J>EMC?(9N`BHR?)R]_Q1U,^W"&0%/>V8UM.8T$!4[,,-"+_`'AH
M"07P$8$>/2<?>[PK59U!]XU)$/+WT,Y^YNN17:_$E%QCF&Z:1E%;R]#-$(*\
M%*U2A]21).B)DTMK"RHA:SPW+'5G`>!M#K83!!,+.V3&MEV;Y;F8?WMV3UA4
M5PRQW\^;EY_I!MI&Q(RL99+&YC8%\7);DV90QN%1FGX(CC4&7M\)C:Q6J4/4
MC<$:A&:#9)0-)O@I-*K&29SRT"QVOO2*C?(8SG:`\Z]<U[*2>N7B;7NQQVMK
M#B\EF5%RJ$,+8VML=DK"@.=E4<7RAE&F?TZ$/YA1>B!'EB;S#_N3TWQ>VZEZ
MQXI9\;[O\VNHJ*\CNBJ&Y^KAF:&=BJF!UJTK;%E2QJ='E6[OLW:&(M.GA3XK
M,EA8`+)HYIG)T2(C7!484#Y[`_'">NT^N5[."XQT%KW&Z>ZLL3D_I"JJJZ,I
M1?`(W(I=5TB)8&&9DET$ZJTDAD.T1"%%'QFU4[$(W(P)9:H>TOU+*VHT$%]I
M;/F374KE8?_2[^,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@?
M_]/OXP&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&`P&!__U._C`8#`
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8'__5[^,!@,!@,!@,!@,!
:@,!@,!@,!@,!@,!@,!@,!@,!@,!@,!@?_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>76
<FILENAME>g655888g29b11.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g655888g29b11.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0D(4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````)@```,`````&`&<`,@`Y
M`&(`,0`Q`````0`````````````````````````!``````````````#`````
M)@`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````!FL````!````<````!8`
M``%0```<X```!D\`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``6`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#T3-ZU5CY)PL:BW/S@`Y^-CALL:[=LLR+KWTXV.U^S]'ZMWK7?X"JU
M4LOZT/Q1]GLZ;D-ZI=I@X!-9^T']ZO)HLOHJHH^GF6W[/LM7O]+])1ZP]_4>
MF9?4,.D4_:NI7G)Z9DY!=Z5CRRMMF%E.J&^O(QZL=WV?_38;*_2]3[+E^GAX
M&%]?>JVM^L6/E8&.<ZIK:)8_>S&!+ZVXWK5Y#:F9GLR[?4;9:_\`1;_3]%E5
M:4]ETJGJ=6(/VKD,R<Q[B^PU,V5,W?\`:?''\X^FK\VV_P#36_\`@;+BXMEO
MUF9G_8G]0&=F5,-EN'CYF,+0SVM=9]F=T;%VMW6,:WU\M;F/U_'I+,?J=63T
M^TD,;9FM9L>YWT1]MPW7=/;8]WL95Z]5C_\`!U)*=A97UIS<K!Z#EY&(\57P
MRME[A(J]5[,=V4X?]U66_:/^M+55#K.3@U8+Z,UAR&9@=CMQ&";+S8UP=CU,
MEGTZ]^]^^NJFK]-=;536^U)3E=0Z)]3NC=-LS>ITUM;4)LZA<7.RW//Y[<_^
MG?:'N^AZ-N__`$2S>D]*^L'UDQ:G=>OOQ>BL:6480<:LK+KES:[^KW4EKZ]^
M/L]7&I_GK?TOZ)9'2>GWMS</J?6*,[K;NGFZD-J<<IM>;CW68NK+[*FLKKHI
MIOHN95^FRKKK;O1]&BEG2T_6CK.=UO\`9>+TUN"S']*W-MS[F!XIL,[*,;$?
M?NR+*V6^G^G].K9^L)*>G:UK6AK1#6B`/()U2MZUT>BQM5V?C56/(:QC[F-<
M2=&M:USMSMRNI*4DDDDI22222G__T.G;TRNO&M=U3K-N1BU9E?VEE./Z5]F7
MZ])Q/MCV-OS=_K?8VXGV/['7]C^R?9_U'TDWH?5@UOMQ<CJ@Z=ZC_P!!A#/^
MRS+O6^S'"J_HN_?_`$2[['_HEX(DDI]R^KF!79^T:_JAU;`IQ'Y#G76U8CGY
M+"XEU=+G6Y#,=U--9]/&M^S>G]/Z=WKO5OJW2<6K%N=USK75LC$;6[[8QE>V
MEU<'UO4_9N"US:/3W>K^E_FUX$DDI^I<7T?LU7V?^8V-]+GZ$#9]+W?1_>7-
M]>P^BOZW]HSL[J5>0,7^B8C;]AQQ8SU_3=@X[\CWW>A]L^SY._\`F/7_`$7I
MKY^224_3?0OV/^R,7]A^E^S-GZMZ/T(D[OY7J>IO];U/TOK>IZWZ55>N?\T/
M5J_YP_L[U=I]'[=Z.[;/N]/[3[MF[]U?-R22GWO-'^+(]/N`/36TDL#G8'I^
ML'[V^@:?V;.7ZOJ_0])#&%T=L;\_ZR/'8%O4^(_X+&8O"$DE/O#L;H;HVY?U
MC9Y@=6_[_2Y7,;IO7:J1?T3K%]M>OZKUJASP28C]-LP>HU;?^$^T+Y[224_1
MC,KZ[5L_3=/Z=D/\:<NVL?YMV%9_U:3>K?6ICV^OT!KJS](XV;6]P_L956"S
M_P`%7SFDDI__V0`X0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``
M4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S
M`&@`;P!P`"``-@`N`#`````!`#A"24T$!@``````!P`(``$``0$`_^X`#D%D
M;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@`)@#``P$1``(1`0,1`?_=``0`&/_$`(0``0`#``(#
M`0`````````````("0H%!@,$!P(!`0$!`0`````````````````!`@,0```&
M`@`%`P0"`0,%`0````(#!`4&!P$(`!$2$PD4%18A(A<*)!@C,2<903)"0R4:
M$0$!``$$`@,``P$``````````1$A,4$"41)A<2*1L3)"_]H`#`,!``(1`Q$`
M/P#?QP#@'`5<[?\`DF)I:WHQJ;K)3SQMUN9+"D3H93D5D"6,QJLXBI[1IDPN
M6PU"%T:H&A$C/`<G3J"PF&%&E&'C3%*$IBB9:DYMQ%H)&3A$DB4EE%*!%%Y/
M*(.&H)+.R#&32R3S"$PSR@#YX",19>18QSR$//EBLO+P#@'`.`ZW,I:Q0&(2
MN=2A8%NC,*C;Y+9$X"QU!0L4<:U3P[K!!YXZ@IF]&8/..>.?3P&;35O4FP/,
MQ&77=3?BU+<3:[6D_P`E!K?IC`)V\0:N8]6T>D+E'FZ1V"%B&C4R*1.BUK.$
M6>#!"I2$H*H2H:4Y,C33=NWUTFZ:ROP4:-0]&H==74]T:@6HE)4'QJUZ5OVZ
M3GIH>PE?_*6.;-.)]*660-*12'^0A$!/ZQ,8:3DT'7@8&$]KSJKHF?[`<TUQ
MIM^USGE<BN_R:5M;MAZZ/#)%V=<FK"5O,->BV6+7,(IB2E+G)).`KR0IXRT@
M*<%;BC5A,]J)-2Y$S_*^N=?^4@/'UX^=][+NNO\`?7R:;)V8.QHHI<I'4^L<
M;D0&B+0C$A:U+<,4W9X\,F'L(#6QP&`Z/M*7!YO01[FN,&`]#P+9M(T8<5@X
M!P#@'`.`<`X!P#@/_]#6/N#M+=Y5VU_HYIB@B"C9JRH4YV?.++L!$L>*_P!:
M:.1N!L;S9S\PH!E&2J7ODDYHHZT#'A,<M+P-9C*;/(<:DF]V=18_$)0,G$7)
M-LK,V)W0M$\K(UTUN&[K'CD?:U:M,`MV2U]5]5R:$P>"QA2JZC4[>$A:8DSG
M')0,0>O+![7A7KLTXW3X]-D:8TK\8MB.<LF&Y,-E[2AU\O6>S"X(YJSF-A;_
M`&'86"ODV=I-+(I&2&`B0#6-#DH=&Q:)DR>!*>-/Z<Q]+,66]N%PVC6BE::2
MP%V1,RYSL.Z[,6$RS8._YB>>Z6#<EAJ`F*75[=W1><K6(6`ES6*1-K6`T120
M!PAC$<J.4J3ZS;E./@AP#@'`.`^3WU7:FWJ,NBID2X#8LM"I[%KM(Y&".`6W
MJ9K#WB-$+C!)AEJ`@2&N>#,Y+$$>,!^W.,\L\";Q6[XA=@8(9XUJM3S][C]7
MN^J+>^ZZWXBFCNUQ=)6,YIA<:PNJ26N;JX%M;6-0Q80N)AQAX2N2SZY"((@!
MDV:[3]:*_/(%YL'BTI8QZ1^)?)E][#V@N41MTM6&$FJ(U%T!B(XYQ1US(#5#
M8@<7LMM`:I62<"@MFCZ(H:@M4(\(CD3/A9UY[;)?>*OPT5MHTW$71=(V:Z-T
M).-Q>)/:"T2UZ:(`KD',UV9:X$]%EG#<#QG&X7R,].4ZN&3C@`].F-&0-(G;
MMGZ7?\5DX!P#@'`.`<`X!P#@'`?_T=*]L3!+I)Y24]_6XH-2:[;S5+6^OB6T
MUXBP,%-7W5[T^JX=#Y8K$1VV"%V@Q/YQJ5P..`2!V*/[^`)RQ'ESEK?KCF/5
M\GV\?D.TW4RB84%I_65HZ[Q*KPS627I-+(2(4T6>4BAQ+>VQ\A()-$'TX*`H
MM)E*0D&<8YC5`+3FB/R(@M3K)=[JS9P:L?V#W^YIIOE5M(O#;:VS\197@NS2
MVK7]Z<6NKY*UMSE'HC!6>U7V3+JVCP6$IO*"EPG3/!)*0DM0;@P)G5-6_P`;
M):,54^9Y^R6MV.3>7)X2IDYZIS,URVCUTIM6<?TB,$4V,3&ID(Q%"&>;@)81
M'##CMX`#/;#CBZI^>,/LD*DE:U(<6Y[#UW^RNQ.J@I2!VG]CV+:$UAC.9D2$
M)K2GFM.2V/FKBEA#$(D`A-01G)!CR+/;[0BQOMA<!I[OSXW9(89"ZGW/<9+,
M7]<4A^);,V_:B>R"71&>M,S&VAAV)6-3KAQ3K'%1@P#<48:J"$`,F')TR7!)
MFR^%K_%9.`<!^1""`(AC$$``!R(0A9P$(0AQS$(0L\L!"'&.><Y_TX#"-M)1
MNJ^X'ELL(-5LCK85&WNSV1,T$@CB"9QR-6_M'J_7"^;W#4U`2YK>F6'R5180
MDK6G?Y">D=@EGORX38(L]0B7YSRZRV===TX?!#(?&WJ_0L@V;MW9;6*"[6W(
M\RA'.XM+9O`*XDU-1-IE"M"V5E$:]>'-M?VUL=/2$NBY0C1X+69,((R(P"`(
M\V83MFW&-$YMC/V/?'-2Z)>EK:3S+927INLDAFK&*NK-&@+0BQR"XSN>(XVT
M#;Q%_=ZEI*><<\X#@&<]72RS.EJ57C,W'VYW3C]@6K?>I!.LM-NX(L]:Z."Z
M3+'.4SF..Y;N)U.>&QU2M+JJ1)TZ=$J1/'M;.B<4ZX.4Q)Y>,G<(=I)M=5I7
M%9.`<`X!P#@'`.`<`X#_TM5\DN.J?(*Y7G0P8Q!9KHM7Z=XKS8^\9LN&3$YS
M9J<)(\5A2KD2Y-!"=76SD<B=72:^H,3H%Y29(V%&J#<N",N+,7E2?(#[-VEI
M[=CQ':]WDQ[I1'7^.U!=U`V2FE!:\<ZJF(6=&7)\TZMJTVH>8TZ3)ARC(*CK
MNC49+6X0A*4&I`%&%H)\-[6=K,+5$/GH\=$=C*1':$PLBCK4;$R!MD.NTVH>
MXTUGQ*1Y3]`H>-`T019'%!R522).4<4M"D%G`,"$7D80<,L^EXV0DW>\XFT+
M+2A5AZ?Z56G"8++96Q5Q#+_VAB?QDZ8S:6B<B6&/TE22=S-?K&?G`IG7J4JH
M2@]*0%`/U"$S(@EY96=9G6K(?&31FWE#U1.[I\A>T,TLFXKG#'97*(-,I6V_
MBO7MK9DKB%,PQE(G]'$8X_.)3J$4@$SEHF7*A.2426=D@2U4B=K+I(XC:_<W
MPM3),=$MJK@T\MST1(D?M[JFC5V.K%UF9!DM`JA[3,G>-N!)BL0L93F)U).1
M"'C(>0LX:$G;B52C_P`@VN6J=\4C#_#_`'O>>SL6GEB-4'G.A3S&[;G-6I8\
MY+AX5O5(SZXDK/+ZVDB/ETD$MY[RRJ,G8/5]HA.,)KZ:Q;+[1LDXKF<!D=\D
M7EUU_O?8*8:.R"\I/0^G]8KGEHVGL:#QN4O=K;&R&-NX&AYUNJ,$=:E^(G$E
MBPI20]/[D-&D7%)5!0#,I\D$.\RZ3K9,XU?6]96BV/(!MSI)9U':L2?3'QN^
M/Q)+GBH5M@,(H;,[B5S:.FL9`(BR@`K+6L+D)I2A7&)UBY*(D:\]8Y*ERLA.
M6_I+B2YOZJ[^;>/#1&R9FZV)/=/]<Y=-GYQR\/\`)7ZHX4X.;^ZC,[QSD_&G
MM`@O2Y69]3S5031J/_9D7%PS[7R@SY'O%3G8!EUIF6H;%KS5EEZF3UXF\'J^
M<UNV(=?;#2/N(J:N89O'8@PF@":WJH4A&@'E$>1T#4$#P5@[!Y,PL[8SG9T(
MBU/V+BVCT(]9?':<^(S@$9?U,TL'VQU(`64/*LID26PG4DC-[G0+(E!'^8`Q
M!("7D'-J?CS7`O,%_9#FJ)X<0W7X_P"G!ITBU4WL<'C<ED;NO6%)3SDC8AS/
MH#-&5.4J./P4$Y6XA[9I(,CYEY,&-JOX^48M+_/RPTI6KO4OE:>KCCVV41FD
MG(?AK=>TL4R",](!QYM7LL+1,:;#N0>F/!DX+.A(,+/(^XW`35'#/DO7/^=D
MI5/[*OC8YD$LAFP,K<%!V2BVF/4^,QQR`)!Z@U3@IUD;42822`C[L`,$9CGC
M/3D.!""S#T[/.7^QSHT<66<35>XQI1H`&%&ET4W&%F%F!P(!A8PSW(1@&'.,
MXSC.<9QGAE/6N/:_V8/&BM,4DN9]_1@U,<$@13[4I8S!BZAA.S@#%*7L1?IA
M`Y&!,P`?//VX%]>3,7T[)V:_^7+QS[,N2)@J[::O<2EP&`A#$I]EXJJ2+UA@
MQ``WM#=937%OD#@+ISG!3<-6+(?KCGC&<\,I>MG"Q[BLG`.`<!__T[$&E)^K
M`4_(U>702EF520W$?;).7OR&G&Y_)&K`O$UF/C<17@TBH[!PS/5*#T.,9SVL
M`+Y!XFCI^VE353^I7XG:OZ8?@O\`#?6'T7X`^&?$/</3D]_W#X7_`!?D7;Z?
M6>K_`)_=Y]__`"=7%8N>=TE."*V_*@R:2236-"Q[X3"1P"L'*U8017\Q@R6:
MK;'8+K[#X9"5M<)8!%IK(#I?[:!S`5C#4M(],,_N%\ONPJ]<YT9\Y_KYX98D
MZMCMO'O;Y-+5:R3@C98SM'7>Y<:C2@CJ^A.37'6&/R0X>3.7(:)R2?7_`,>?
M$T;SVXD64ZO?_G`]G:_PK_0;JZ"/:OSA[!^0.OZ]KL?VE_W$]PY<^KG_`".7
M/J^G/AHS??G*X.C_`.J70I_K9_7OM^V)_6?@_P#&_1[-Z@7I?4_`OM]L]7S[
M?5_B[G/E]>*FO*0G!#@(,QC_`(T_SM+/AG]&?[-_-G'YS\8_`?YV_(WKU/NW
MRSVK_<#YM[IWO4>L_G>HZ^O[^K@NOSA.;@AP#@'`.`Z?+?@/;0_._A_:ZS_;
M?EOLO;[G25ZGT/O'V]?3T=SM_7ET\_\`IP/IV!J]J]M0^Q^W^S^F*]M]J]-[
M;Z/HQV/0^C_B^FZ.71V_LY?Z<!R'`<8\^S>UK?D/MGLO9S[C[SZ7VOT_/'5Z
MWUO\3L]7+GW/MY\!0!Y#6_\`7P=FY0V[6/FL<9F:U<>F^04*2<HNUG=C2E00
MKWXG6]GD$O-3IS.X(`9&A5-63_\`O+$/ECB:-SWX5ZU!J$\*V)`N\8GER\A[
M%5.0+11*,S73W=>3T_V1(^H(&V:):XBE7EG%)\`#G*=B,-'@10@](@EX&^JN
M?/6)J,&M/[&+(A3?!O(GK'.HZ848!*9<M3JXA)DX0F!R6<H1*=6G:3"4&\Q8
M%A:K'@`<8Z<9Y\\-4ST\/:007]FMI"K*47-HQ)\]T625*]K)3BZ"\9#@*0+7
M5,>#VC^75COE]>.?UR'ZXX:GX^79XC?G[%U?.J)OL3135C81BP<F]4[5Y<D,
FJMY,(`4FRK":YRRW#$!0U&3,X`,J/#[1I9N<@&7DG&6ICIY?_]D_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
